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Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Beautiful. Kat, part of our process that you'll become accustomed to is three points of ID. Just to verify that we're speaking with the correct person, can I just get you to confirm your full name, date of birth, and address, please? Yep. Fantastic. Beautiful. Okay. So thank you for reaching out for being interested in getting a starting the advice process. I guess for me, first and foremost, my questions for you would be, what is the purpose of you seeking advice? What are you hoping to achieve? Yep. Yep. Yep. Okay. How was your daughter? Oh, beautiful. I got a 10 year old too. What what is her name? N a l e. Yep. Okay. Beautiful. Fantastic. Okay. So when you say set her up, protect her, what do you mean exactly? Yep. Yep. So so, basically so insurance, making sure that she's taken care of in the event that something does happen to you? Yep. Beautiful. And for you? Mhmm. Yeah. Yes. Yeah. Of course. Of course. Okay. Perfect. We can do that. That's what about your superannuation? Are you looking at reviewing that? Okay. With your super, what what is it? What would your goals be surrounding that? Is it yep. Yep. Yep. Yep. Okay. Okay. So you mentioned the lifestyle that you currently have or better. What what is what does that mean in a dollar figure today in retirement? So if you were debt free, no expenses, just out there living your best life in retirement, what in today's dollars, what would that look like for you? Sorry. I'll make it easier, even better. How much income would you need a week or a fortnight? Because we can what we can do is work our way backwards there towards the plan. Yep. Okay. Beautiful. Alright. Alright. I'm gonna work through just some basic information to get up to date on our system because I think that will lead into a couple of other different areas that we can touch on. So what I'm going to do is first and foremost, make sure that I have the spelling of your name correct. It's k a t l e g o, and your surname, s e n e t e. Beautiful. So and that's what's showing on your that's what shows on your ID? Yes. Beautiful. No. Because what I will do in a in a little bit is I'll send through a a link that will need you to verify your identity. So what we do, part of the legislation and rules with financial advice and also now real estate lawyers, they're we're all under the same umbrella now is we've got to verify that a person is who they say they are. So it comes under the anti money laundering rules. And, yeah, it's a legislative requirement that we have to do. But rather than these days getting certified ID, it's a little bit simpler. We send you a link, and we can do it a different way. So that's the purpose of that, why I asked for the correct spelling to make sure when I put it in that it's correct. Beautiful. Alright. Now your I'm just moving down. Do you have a partner or a spouse? Yep. Just dating. Yep. Okay. That's fine. Do you have a next of kin that we wanna put record someone on file as? Yep. What's her name? E l I s e. Is that right? Yes. And same surname as you or different? Yep. M o t s. Yep. And what's her contact number? Zero four five nine nine seven five 517. Beautiful. Okay. I have your occupation down here as a retention banker with Westpac. Yep. Beautiful. And you're full time at thirty eight hours a week? Yep. Your income of $82,000 per annum. Yep. And you just received the 12% standard super. Yep. Fantastic. And I have your expenditure here as just $1,986 per month. Is that correct? Okay. Yep. Okay. And that includes any rental, anything like that? And that's included in that amount that you've given to us? 500. Yep. Fantastic. Do you make any other contributions to super? Mhmm. You. Do you then claim that as a tax deduction? Yep. Okay. Is there any reason why you haven't set it up as a salary sacrifice or anything like that? Yep. Yes. Beautiful. Fantastic. Alright. Now now with assets and liabilities, I have a Mercedes here valued at 35,000 and a debt of 36. Is that right? Yep. Okay. And a Westpac personal loan of 2.5 $0.02 thousand 700. Sorry. Yep. Beautiful. Any other assets and liabilities? Okay. How much is that at? Yep. Okay. Alright. Yeah. No. That's absolutely fine. And I see that you had a part nine debt agreement. Yep. Yep. Okay. Beautiful. Alright. And you're a nonsmoker? Yeah. And you've been on a weight loss journey. Is that right? Yeah. Excuse my ignorance. I have no idea what this is, but can you tell me what Manjaro is? Yep. Okay. Beautiful. Alright. Okay. And are you still on that injection? Yep. Okay. And I have your height at a hundred and fifty seven centimeters and your weight at a hundred and two. Beautiful. And your estate planning, do you have any of that in place? Will's power of attorney? Okay. Well, that's something we're gonna talk about, especially with your daughter. Alright. And then for these types of questions, are you a tax resident of any other country? No. Fantastic. Alright. What I'm going to do now is I'm just gonna jump over, and it's part of our process to complete a what we call a risk profile. So this the what this will help us do in reference to your superannuation or and future wealth building, being a single mom and working towards those goals for your daughter is just help us understand your tolerance to risk, what levels of risk you're willing to take. And it would be likely different if you looked at it from a like, your superannuation balance, which you have a long term investment time frame. Whereas if it was something maybe in your personal name, your risk tolerance may be less in that scenario. So what I'm gonna do is ask these questions based on your superannuation at this stage. So if you can answer them thinking of your super balance when we talk about other investment options, yeah, in a little bit, we can then tailor our conversation differently to suit your tolerance to risk then. So how would you rate your willingness to take financial risk? Would you be very high, high, average, low, or very low? Average. Yep. How familiar are you with investment markets? Are you comfortable with invest your investment knowledge? Are you aware that investments fluctuate? Do you have a good market grasp that you're still learning, basic investment knowledge, or you're not familiar? Yep. Okay. How would you describe your experience and understanding of investment markets? Would it be positive investing experiences, novice, naturally curious. You're novice, naturally curious. You've had mixed investment results that have heightened your loss avoidance or past losses have left you extremely loss averse. Averse. A lot there. Yes. Yep. Okay. Fantastic. Alright. What is the most aggressive investment you've ever made? Direct shares, manage funds, investment property, your own home, or a high interest bank account. Yep. That still counts. It means that you understand the how they work and that you you there's no right or wrong answer. So if you've had shares in the past, we'd definitely make have that as your answer. So if we look at this for your superannuation balance, once it has been placed or investments made, how long would you need it before you would need access to the capital? In your scenario, based on your age, based on your age, I think it would be the first answer, longer than ten years, and it goes down from there. So that one's a pretty standard question a pretty common answer, to be honest with you, when it comes to superannuation. The next question is inflation means that things are getting more expensive over time, which may which makes your money worth less today. How much risk are you willing to take to keep up with inflation? So rising cost of living. Would you be willing to accept very high risk to outpace inflation, willing to accept high risks, moderate risks, a small amount of risk, or no risk. Yep. The next question, there's there's a few more. Sorry. This is a bit long winded. Investments can go up and down in value. That's called volatility. How much of a drop in your investment over a year would when would when would you start to worry? More than 50%, up to 50%, up to 25%, up to 10%, or up to 5%? So at what point would you worry? Yep. Okay. How would you feel if in six months after your first initial investment, you found out that your portfolio decreased by 20% due to the ups and downs of the investment market? Would you, one, invest more for growth, invest modestly for growth, hold and wait for improvement, shift your assets to more defensive type assets, or convert to cash? Yep. What kind of return do you expect to get in the long term from your investment? 8% or above, six to 8%, four to six, or two to four? Yep. Beautiful. Have your investments, including superannuation, ever dropped in value, and how did it make you feel? Were you optimistic about future investments or cautious with no further investments plans, concerned, or highly anxious, How much How much are you how much risk are you willing to take to get the return you want? So max return regardless of risk, high risk for big returns, moderate risk for good returns, minimal risk slight returns, or safety first? Moderate. Yep. What kind of income do you expect to get net of to get from your investments in the future? So an example would be is capital growth is the share price increasing over time, so from $10 to $20 in price. And an example of the dividend that you get from holding the share. So would you expect capital growth only with no income? So we're talking about your your super here. Minimal minimal income, mostly capital growth. Balance combination of two, high income with some capital or or income, no capital. Yep. And have you ever thought about taking out money alone to invest? Nope. So that answers one part of the question. The next part of the question would be, would you be open to borrowing for shares or funds, open to borrowing for an investment property, or open to borrowing for your own home only? Mhmm. Yep. So an investment property as well as a home your own home? Yep. Okay. And then thinking about your last answer, how would taking a loan to invest make you feel comfortable borrowing for investment, aware of the risks, somewhat comfortable, cautious of the risks, careful with borrowing, understanding its risks, hesitant to borrow, wary of high risks, or worried about your borrowing due to significant risks. Yep. Beautiful. That's the end of my interrogate interrogation. So what that helps us understand is your, as I mentioned earlier, your risk tolerance. So what you have essentially, what it tells us is a risk profile. Now what we're gonna talk about briefly is what that is, what it means, and whether you are comfortable to proceed with that if we look at your superannuation as an investment. So you're you've come out as a growth investor, which means that, typically, we would have an 80% allocation to growth assets being shares, national international and Australian, and property. So, property funds. And you'd then have typically 20% allocated to your defensive income producing assets, which would be fixed interest, cash components, bonds, and those types of things. The expected return in a growth portfolio averages between seven to 9% gross of fees, and the expected volatility within a growth portfolio could be plus or negative 11% depending on the year. So that's the variance minimum suggested time frame, so this is to withstand those negative returns, is at least six years. So given that oh oh gosh. My calculator my keyboard's not working. Given that you're, what, 31? Is that right? Doing math in my head, Chris. 32. So you've got twenty eight years until you can access super based on today's legislation. Yes. It is. The I know. I know. Goes quickly, though. It's the next one up from that is a high growth investor. So the difference being is that it's a 10% split. Your returns are expected to be between eight to 10%. The volatility expected could be anywhere between plus to negative 14%, and this is just standard statistics. And the likelihood of a negative return, the same with gross, is one in every five years with a minimum time frame of at least eight years. I it and what the most important part of investing would be that, excuse me, you pass the sleep at night test. So you've got to be comfortable with your allocation and how it's it's structured for your the goals that you wanna achieve. So if you're looking at growing your super to meet those income needs, it might be that initially we need to take a little bit more risk to, like, take so so I say a little bit more risk. Like, take a a a different risk profile, so maybe a high growth one to help work towards those achieving those goals, and then you'd taper off over time. So it's it's about your comfort level given your your pretty much I'm just having a look. Your I'm just having a look. Excuse me. You're at the bottom. One more number, and you would have been a a so growth starts from an about a questionnaire total of 31 to 35. A high growth is 25 to 30. You scored 31. So you're literally on the the of high growth and a growth investor. So it really comes down to your your preference and your sorry. It really comes down to your preference as to whether you wanted to I I think personally recommending wise based on a superannuation fund, You could take a high growth approach given your time and also the fact that you're one number away from being a high growth risk profile anyway. So I think you're under and given the fact that you have answered that you've had shares in the past, you understand loan and debt for investment purposes from property. I think you're financially astute enough to understand the the risk to first reward. So I would probably recommend a high growth portfolio based on that. But, again, I'm I take your direction. If you're more comfortable starting with an eighty twenty allocation and reviewing over time, that's a 100% okay also. Beautiful. So what I'm going to do also is just go back to the goals. I just wanted to revisit one section. You said that you were a single mom wanting to set up for your daughter for uni, those types of things. Is that something that you wanna start doing now as well? Like a savings? Yep. Yep. Yep. Yep. Mhmm. Yep. Yeah. And have you just been doing a savings account for that? Yep. Yep. Yep. Okay. And do you put how much per week do you put into that or fortnight? Okay. And do you know what the balance of your savings account is? Yep. That's okay. Yeah. No. That's alright. The the reason I asked that is there are investment options available for you that you can invest in. The minimum investment is, I think, starting balance is a thousand dollars, and you can continue making regular investments. The benefit of those is particularly in ten years' time, which would be probably around the time she may be looking at. I mean, she would have finished high school. Not sure. But in ten years' time, what the type of insurance type of investment it is is that it's at it's called tax paid. So in ten years, you would withdraw it, and it is no tax payable on it. No capital gains or anything like that because it's all taxed internally whilst invested. That's yeah. Yeah. So that is an option whether you're ready to do it now or whether you're ready to do it down the track, but that's something that we can look at also. And do you think that would be something more down the track? Yeah. Always. Okay. The other question I just need to run through with you is from the insurance side of things. I'll just explain quickly the types of insurance that are available. There is life insurance, which is self payable to your beneficiary, plus would make sure that we'd have one set up. And then your TPD insurance, which is total and permanent disablement, is a payment that is exactly that. If you're totally and permanently disabled and deemed not to be able to return to work in an occupation that you are trained or appropriately trained or educated in. So if you think of TPD is a worst case scenario, so it might be, for example, you're in a car accident yesterday and you've lost the ability to use your your hands or your arms, therefore, you're not able to drive to work work your role, those types of things. Yep. The other the other type of policy is a income protection policy, which is the one you're alluding to before being a single mom. If anything happens to you and you're unable to work, that is that will cover you in the event that you're unable to work due to injury or illness. It doesn't cover unemployment or anything like that. It's just injury or illness. And what it does cover is it will cover 70% of your taxable income. So 70% of the $82,000 that you earn annually, and it's paid monthly. And there are two variances to that. There's something that we call a waiting period and then something that we call a benefit period. So the easiest way I like to explain it is is a waiting period is similar to an excess on your current insurance policy. It's the number of days you've gotta wait until you're eligible to begin being paid. And that varies between insurers from thirty days to sixty days, ninety days, and and it can continue up from there. The benefit period is the number the period of time you're you're eligible to be paid for. So it can be two years, five years, to age 65, depending on how we structure the policy. So for example, even if you had a five year benefit period, that doesn't mean that you would just be on claim for five years. It's only until your doctor says that you're fit to return to work. So for example, you I'll use my husband as an example. He has an income protection policy. He was injured last year in an accident, and he was off work for four months. He had a thirty day waiting period. So the first thirty days was no income. He had a little bit of sick leave that covered him during that thirty days. We had to use savings, etcetera. And then after that, he was paid for the three months while on claim. So after he recovered, he was cleared to go back to work. So if he wasn't cleared to go back to work and his injury was gonna take a lot longer, the maximum time that he would have been able to be on claim for is five years because that was his benefit period. So that's how those two work. The very last policy is trauma insurance. Oh, sorry. Before I go ahead. So life, TPD, and income protection can be funded between from your superannuation funds as to not impact your personal cash flow. But the other thing we do look at is the cost of those covers and how the long term effect of that will impact your super fund. So it's a catch 22, so we look at both as an option. And then the last policy that's available is one that's called trauma, and it's a lump sum tax free payment in the event that you're diagnosed with a critical illness. So most trauma policies are approximately about 42 illnesses that you need you if you are diagnosed with, you'll receive a lump sum payment. The severity depends on the insurance company, and they range from cancer, stroke, heart attack, neurological diseases. And the reason why that policy that claim would be tax free is because that is actually paid out of your personal cash flow. It cannot be funded through super. So it's kind of a gap between your TPD and your income protection cover because, likely, you will return because likely, you will return to work and you will recover with those types of events. The likelihood is that you would recover. It's just to give you some funds in the meantime to not have to worry about financial stress while you're recovering from health a health situation. So they're the types of covers that are available. Out of those, what are you thinking, those types of covers? Yep. Beautiful. So in the event the income protection's easy to figure out from a sum insured point of view. But what about from a waiting period yeah. Waiting period and benefit period? What would you think is it for a waiting period, is it the shorter, the better? Can you do you have funds to cover you for a bit longer? So that's the yep. Fantastic. And with the benefit period, typically, in super, we'd look at five years because it would be disability. But what let me play with that. Would you be comfortable with five years, or would you like longer? Yeah. Five years. Yep. Okay. With your life and TPD, I'm just gonna ask a couple of quick questions that will help me look at some insured. When you look at I guess, first of all, you mentioned you wanna make sure anything that happens to your daughter, it's it's covered. Is you mentioned university life costs, etcetera. Is there funds there that you'd want available for her to be able to purchase a house, live in a house? I mean, let's say she's age 15 and the worst case scenario happens. What do you want for her to receive to make her life easier? It is, isn't it? And it's not one as moms we like to think about. Mhmm. Yep. Mhmm. Okay. Okay. That's okay. So you'd like her to have be able to have a to purchase something to live in that she can call her own and give her that stability? Yep. How much would you anticipate, I mean, based on where you live, if it was a little unit or a a townhouse that she could purchase. You know, she would probably live with family for a little bit until she's older and those sorts of things. But how much would you like for a based on today's dollars? And, again, it it's all based on Yep. Yep. So 600 do you think 600,000, like, with stamp Judy, and all that would be okay? Yep. Did you wanna allow you mentioned nest egg. Was there anything at an additional amount you wanted for her for education or a nest egg? Yep. Yep. Yeah. Okay. And last but not least, if something was to happen to you yesterday and your mom or your dad or your sister or extended family were to look after her, How much in how much would it cost to pay for her education, her living expenses? Kind of like, how much would you like to allow your family members per annum roughly, and this is just we work backwards from here, to cover those expenses without there being an a financial impact strain on getting what your you want your daughter to have versus what your family members may be able to afford? Yeah. Well well, you know, what we can do is we can actually start start by looking at your expenditure. So if your expenditure is about $500 a week, how much of that do you think is goes towards your daughter? Like, living expense wise, so food, school. Mhmm. Yep. Mhmm. Yep. No. That's fine. And with high school, should we be going to a private school or a public school? Mhmm. Okay. Beautiful. Look. I can use some basic it's very hard to answer those questions. I know, and I'm sorry for asking a lot of questions. Yeah. It does. And I can use some basic statistical information that we have access to on those types of costs to look at to look at what an appropriate sum insured would be for those types of cover. Okay. I've asked a lot of questions. Do you have any questions of me? Nope. That's okay. Yep. Absolutely fine. So what I'm going to do now, I'm just trying to log in to a different screen. It won't be a second. I'm just gonna run oh, it's not working. There we go. I'm going to run through our financial services guide. It's just gonna get be able to meeting. It is is it I've been getting that a lot the last two days. I think it's my headset because I've been fiddling with the volume, and the volume seems I'm gonna turn it all the way up. Is that a bit better? Okay. Well, I'm definitely not doing that. Sorry. No. Not unfortunately, no. No. Not a unfortunately, no. Okay. So to go with our to go I'm gonna run through our fee structure and how it typically works. So the there's a there's two fees. There's the initial fee for the advice and the ongoing fee. The ongoing fee is set at 1.65% per annum of your funds under management. So that's based on your balance today. If you were to do an investment bond as we talked about earlier, I referenced, that same fee would be applicable to your bond as well. That cove the ongoing fee covers your ongoing annual reviews or your review frequency depending on what one you select. It will cover any questions that you have, any touch points. So you're not limited in contacting us for any concerns, questions, or updates that you wanna receive. That's what your ongoing fee covers us for. There is an initial implementation fee. So everything up until the point that you decide if you wish to proceed is complimentary, and we'll work through all the all questions you have. Once you if you get to the stage where you agree that you wanna proceed with advice, there's a one off implementation fee, and that's $4,950. And the funding of that would come from your super fund in this scenario because that's all we're looking at at this time, not investments. And that's how the fee structure works. With insurance, we are paid via the insurance company via commission. So that's not out of pocket out of your pocket. That's paid via the insurance company. So any questions regarding fees? Yes. Okay. Fantastic. So you know what an FSG is, so that's great. I don't need to explain that. Beautiful. I love that. Okay. So what I'm going to do is also in a moment, I'm going to send you a link to, it's called the f triple a safe ID. It just being in the bank, you would know this as well. Yeah. AML, it's just for you to complete when you're ready, and it's just your confirming your ID. Sorry. It's there's no other way to explain it, really. So yeah. Alright. So I'm just going to process through that. Okay, sir. It won't be a moment. Okay. So you you'll have that invite in your inbox shortly. And if you just follow the the links, that should work. If you have any concerns or any issues in completing that, please let me know, and I can walk you through that. Sorry? Oh, fantastic. Lovely. I love that. Okay. And the next questions really are from here is, with the insurance, the only thing that I do note that what we would want to look at doing to avoid any delays, if you did wish to proceed, is look at getting a pre assessment. What we do there is we look at health and financial to see if the insurance company is comfortable issuing a policy. The only reason not comfortable issuing a policy, but it meets the underwriting guidelines. Sorry. Incorrect terms, you said. The reason I say that is is you are on a weight loss journey at the moment, and they will look at the for example, how much weight you've lost over a twelve month period, etcetera, and they will set so they'll wanna look further. So what it means is basically is they might say, yep. Happy to proceed with cover. It's all it's all kosher. There's no risk factors additional risk factors we see here. That's fantastic. Worst case scenario is they might say, no. We wanna wait six months and revisit the application in six months. Middle case scenario is, yep. That's fine, but we may apply a loading to that insurance policy, which would be reviewable in x y z amount of time. So what we like to do is make sure that we have all the pre assessment details ready. It does speed up the process in relation to getting a decision on insurance, and it and it lets us be more transparent with you as to what the outcome's likely to be. So if you did wanna proceed down that, I would probably transfer you back to Maddie for a little bit, or I'm happy to go through it over the phone with you if Maddie's busy at pre assessment. But from today's perspective, outside of what we've discussed and oh, actually, the other thing is estate planning, wills and powers of attorney. Yeah. Yeah. We do have a professional partner that we work with. It's quite reasonable, actually, price wise compared to what I've seen over my time to establish those documents. What I can do is just email you a brochure if you like for you to have a read over. It gives you an indication of prices for what you can expect to pay. And you can then let me know if you want me to arrange a referral or an introduction to them. Given that your daughter's 10 and you're the sole parent, essentially, it's probably it's one of those things that you probably need to attend to sooner rather than later just to make sure she because no matter what plan you put in place to make sure that she's financially secure without that document in place, it can leave her vulnerable should you not be around. Okay. So I'll email you that to have a read over. Outside of that, the only other question I wanted to ask is with your debt repayments, are you happy to continue those, or you're just happy to continue managing those yourself? Yep. Fantastic. Okay. So I have asked a million questions of you today. The next steps from here are are probably you deciding if you're happy to move to the next steps. If you wanna go away and have us think about things for a little bit, gather your thoughts because it is information overload, to be honest with you. I can send you a summary of our conversations with some links to some web sites with the general information that you can check out. And, basically, once you have made a decision as to what you would like to do, whether you wanna proceed with advice or not, we would then start the advice process. So that would involve me and our team generating an advice document, presenting that to you with my recommendations as to what you need to do, You deciding out of that what you want to do, and then we go and implement from there. So what I can do is send you a summary email if you like and touch base with you in a couple of days. I'm completely led by you. Yeah. Yep. Alright. Beautiful. What I'll do is I'll do up a summary email for you this afternoon to make sure that you received that today. I might touch base with you on Friday. Is that okay? I'll Fantastic. I'll touch base with you Friday morning sometime to see how you're going and what your thoughts are. And in the meantime, if you can complete that ID verification for me, that would be fantastic. And I will speak to you Friday morning. Okay. Yep. Alright. Fantastic. I will keep an eye on that. Actually, while I've got you on the phone, did you wanna go through that insurance pre assessment quickly? Yep. Yep. Yep. Fantastic. Fantastic. I think that's a good idea. So you're a 100% in office, so that's not applicable. In your role, are you required to travel for work or anything like that? Yeah. No. That's fine. You know, do you perform any hazardous activities, working at heights, explosives, underground, all that sort of stuff? Yep. Yep. Beautiful. Do you intend to change your occupation or employment status in the next twelve months? No. Do you have a second job besides being a mom? Yep. Okay. Fantastic. Do you intend to travel or live overseas for work or pleasure anytime in the foreseeable future? Yep. And where will you be traveling to? Yep. Beautiful. Just for a holiday? Okay. That will be lovely. Is it are you going for snow season? Or oh, so do I. You'll have to let me know because I would love to go for that also. Do you have any pastime sports or hobbies that you compete in or you participate in that are you'd probably consider contact type sports or high levels of danger? Yeah. That's fine. Yep. Yep. Yep. Absolutely. And you're you said you're a nonsmoker, so that's fine. But have you used any tobacco substance in the last twelve months? No. And have you ever taken any illicit drugs? No. Do you drink alcohol? Yeah. Yeah. Same. So on average, how many would you drink per week? Yeah. Just yeah. Yeah. Yeah. Okay. That's absolutely fine. I've got your okay. So in the last twelve months, how much weight do you think you've lost? So you're you started a hundred and fourteen. Yep. Okay. So you've lost about 12. Yep. Beautiful. Congratulations. Well done. And is it did you just decide to do that for your health? Yep. Okay. Fantastic. Alright. In the last twelve months, have you been I an absent from work or been unable to fulfill your duties? Yeah. No. Alright. Have you ever been diagnosed with an illness that can that will impact your ability to work? No. That's good. Have you ever had an insurance application declined or refused? Yeah. Okay. Beautiful. Have you been on any sort of workers' compensation claim or government benefits for any sickness or injuries? No. And okay. So you did not apply. So that sorry. Talking to myself there. You haven't applied for insurances before, so that question's not applicable. Alright. This is just about your medical history, so I will just run through this. At the very moment, do you intend to seek any medical advice, test, investigation, or treatment, including surgery? Nope. Have you ever had or sought advice or treatment from a health care professional for the following? Stress, anxiety, depression, or a mental health disorder. Yep. And how long ago was that? Yep. I'm glad that you have been able to make it through that. That's not a not a nice thing. I'm sorry to hear. What about any skin cancer, tumors, lesions, moles, or a cyst? No. Any back or neck pain, problems, any sciatica? No. Any bone fractures, muscle, ligament, tendons, injuries? No. Any blood borne diseases? Any heart or blood conditions? No. Sorry. This just there's a lot of questions here. I do. I do. Any cancers? No. Asthma or respiratory conditions? Any disease oh, sorry. Any condition of the eyes or ears outside of wearing glasses? Yep. High blood pressure or high cholesterol? Any skin condition such as dermatitis, eczema, anything like that? Any diabetes or thyroid condition? Any any other condition that you can think of? Yep. Okay. So when was the last time you had that checked? Okay. So there was no indication of any more fatty liver? Okay. Okay. Beautiful. And have you had any previous surgery? Yeah. Did you say two? Yep. And they were surgery? Yep. Yep. Okay. Have you had any abnormal sorry. This is getting quite personal for a first consult. Have you had have you had any abnormal pap smear test results or any abnormality of your ovaries? No. Have you had any abnormal vaginal bleeding in the last twelve months? Yep. Yeah. Yeah. No. That's fine. That's fine. That's part of the other thing, so that's fine. And any breast lumps or abnormal mammogram or breast ultrasound? Nope. Okay. Alright. With the fatty liver, when was that diagnosed? Yep. Yes. That's okay. No. No. No. What will happen is is we're just gonna use this very basic information to go to the insurance companies and make sure that we can get you cover. If they're happy to proceed, they'll actually reach out to your doctor because there is a cost, believe it or not, for them to get this information from your doctor. But the insurance company pays for it, so don't even worry about it. So I don't want you to if they say, oh, why do you want it? You say I'm getting it from my insurance company. They'll say, oh, well, we charge this, so don't worry about it. You no. No. No. No. So don't worry about that at all. Okay. With the counseling, I'm sorry to be intrusive here because of the delicate nature of why. How long did you seek the counseling for? Yep. Okay. Okay. And you're not seeing them anymore? Yep. Yep. Okay. That's good to hear. You. Yep. Okay. So that's fine. I'm just checking. With the dosage of your Manjaro, how much do you take and how often? Okay. And when did you start it? Yep. 2025. When did you start the five milligrams? Yep. Okay. And the seven is to be confirmed. Yep. And you just Yep. No. Yeah. No. I understand. That's absolutely fine. After the seven point five, is it likely to go out more, or does it sit at that now? Yep. Yep. That's okay. I understand. All Alright. Okay. Beautiful. The only other set of questions I have relates to immediate family members, so that's being your mom, dad, and siblings, and just if they have had been diagnosed with any of these conditions. First lot, heart disease, heart attack, or stroke, multiple cirrhosis, Parkinson's, or Alzheimer's, any muscular dystrophy, Huntington's, or motor neurone disease neuron. Sorry. Any bowel cancer or melanoma, any polycystic kidney disease, any breast or ovarian cancer, cardiomyopathy. That's to do with the heart. So that's the heart being from my recollection. It's small or large in size? Nope. Any mental health condition? Any diabetes? And any other condition that you can think of that could potentially be hereditary. Absolutely fine. Absolutely fine. Alright. Thank you for taking the time. That's the end of that invasive questionnaire. What I'm gonna do is I'm gonna put together our a summary email for you, send it through. I'm gonna reach out to you on Friday. And in that time frame, I might get a pre assessment done. So when I do speak with you on Friday, I have a pretty good idea of what we can do insurance wise and if there's any limitations that we have. But that's it. Oh, beautiful. Well, thanks. No. Thank you. And I will talk to you again on Friday. Thanks, Kat. You too. Bye bye. 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from Oakview Financial. Hi, Kat. This is Jenna here phoning from OCU Financial. How are you today? I'm well.\n\nThank you. Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Beautiful. Kat, part of our process that you'll become accustomed to is three points of ID.\n\nJust to verify that we're speaking with the correct person, can I just get you to confirm your full name, date of birth, and address, please? Yep. Fantastic. Beautiful. Okay.\n\nSo thank you for reaching out for being interested in getting a starting the advice process. I guess for me, first and foremost, my questions for you would be, what is the purpose of you seeking advice? What are you hoping to achieve? Yep. Yep.\n\nYep. Okay. How was your daughter? Oh, beautiful. I got a 10 year old too.\n\nWhat what is her name? N a l e. Yep. Okay. Beautiful.\n\nFantastic. Okay. So when you say set her up, protect her, what do you mean exactly? Yep. Yep.\n\nSo so, basically so insurance, making sure that she's taken care of in the event that something does happen to you? Yep. Beautiful. And for you? Mhmm.\n\nYeah. Yes. Yeah. Of course. Of course.\n\nOkay. Perfect. We can do that. That's what about your superannuation? Are you looking at reviewing that?\n\nOkay. With your super, what what is it? What would your goals be surrounding that? Is it yep. Yep.\n\nYep. Yep. Okay. Okay. So you mentioned the lifestyle that you currently have or better.\n\nWhat what is what does that mean in a dollar figure today in retirement? So if you were debt free, no expenses, just out there living your best life in retirement, what in today's dollars, what would that look like for you? Sorry. I'll make it easier, even better. How much income would you need a week or a fortnight?\n\nBecause we can what we can do is work our way backwards there towards the plan. Yep. Okay. Beautiful. Alright.\n\nAlright. I'm gonna work through just some basic information to get up to date on our system because I think that will lead into a couple of other different areas that we can touch on. So what I'm going to do is first and foremost, make sure that I have the spelling of your name correct. It's k a t l e g o, and your surname, s e n e t e. Beautiful.\n\nSo and that's what's showing on your that's what shows on your ID? Yes. Beautiful. No. Because what I will do in a in a little bit is I'll send through a a link that will need you to verify your identity.\n\nSo what we do, part of the legislation and rules with financial advice and also now real estate lawyers, they're we're all under the same umbrella now is we've got to verify that a person is who they say they are. So it comes under the anti money laundering rules. And, yeah, it's a legislative requirement that we have to do. But rather than these days getting certified ID, it's a little bit simpler. We send you a link, and we can do it a different way.\n\nSo that's the purpose of that, why I asked for the correct spelling to make sure when I put it in that it's correct. Beautiful. Alright. Now your I'm just moving down. Do you have a partner or a spouse?\n\nYep. Just dating. Yep. Okay. That's fine.\n\nDo you have a next of kin that we wanna put record someone on file as? Yep. What's her name? E l I s e. Is that right?\n\nYes. And same surname as you or different? Yep. M o t s. Yep.\n\nAnd what's her contact number? Zero four five nine nine seven five 517. Beautiful. Okay. I have your occupation down here as a retention banker with Westpac.\n\nYep. Beautiful. And you're full time at thirty eight hours a week? Yep. Your income of $82,000 per annum.\n\nYep. And you just received the 12% standard super. Yep. Fantastic. And I have your expenditure here as just $1,986 per month.\n\nIs that correct? Okay. Yep. Okay. And that includes any rental, anything like that?\n\nAnd that's included in that amount that you've given to us? 500. Yep. Fantastic. Do you make any other contributions to super?\n\nMhmm. You. Do you then claim that as a tax deduction? Yep. Okay.\n\nIs there any reason why you haven't set it up as a salary sacrifice or anything like that? Yep. Yes. Beautiful. Fantastic.\n\nAlright. Now now with assets and liabilities, I have a Mercedes here valued at 35,000 and a debt of 36. Is that right? Yep. Okay.\n\nAnd a Westpac personal loan of 2.5 $0.02 thousand 700. Sorry. Yep. Beautiful. Any other assets and liabilities?\n\nOkay. How much is that at? Yep. Okay. Alright.\n\nYeah. No. That's absolutely fine. And I see that you had a part nine debt agreement. Yep.\n\nYep. Okay. Beautiful. Alright. And you're a nonsmoker?\n\nYeah. And you've been on a weight loss journey. Is that right? Yeah. Excuse my ignorance.\n\nI have no idea what this is, but can you tell me what Manjaro is? Yep. Okay. Beautiful. Alright.\n\nOkay. And are you still on that injection? Yep. Okay. And I have your height at a hundred and fifty seven centimeters and your weight at a hundred and two.\n\nBeautiful. And your estate planning, do you have any of that in place? Will's power of attorney? Okay. Well, that's something we're gonna talk about, especially with your daughter.\n\nAlright. And then for these types of questions, are you a tax resident of any other country? No. Fantastic. Alright.\n\nWhat I'm going to do now is I'm just gonna jump over, and it's part of our process to complete a what we call a risk profile. So this the what this will help us do in reference to your superannuation or and future wealth building, being a single mom and working towards those goals for your daughter is just help us understand your tolerance to risk, what levels of risk you're willing to take. And it would be likely different if you looked at it from a like, your superannuation balance, which you have a long term investment time frame. Whereas if it was something maybe in your personal name, your risk tolerance may be less in that scenario. So what I'm gonna do is ask these questions based on your superannuation at this stage.\n\nSo if you can answer them thinking of your super balance when we talk about other investment options, yeah, in a little bit, we can then tailor our conversation differently to suit your tolerance to risk then. So how would you rate your willingness to take financial risk? Would you be very high, high, average, low, or very low? Average. Yep.\n\nHow familiar are you with investment markets? Are you comfortable with invest your investment knowledge? Are you aware that investments fluctuate? Do you have a good market grasp that you're still learning, basic investment knowledge, or you're not familiar? Yep.\n\nOkay. How would you describe your experience and understanding of investment markets? Would it be positive investing experiences, novice, naturally curious. You're novice, naturally curious. You've had mixed investment results that have heightened your loss avoidance or past losses have left you extremely loss averse.\n\nAverse. A lot there. Yes. Yep. Okay.\n\nFantastic. Alright. What is the most aggressive investment you've ever made? Direct shares, manage funds, investment property, your own home, or a high interest bank account. Yep.\n\nThat still counts. It means that you understand the how they work and that you you there's no right or wrong answer. So if you've had shares in the past, we'd definitely make have that as your answer. So if we look at this for your superannuation balance, once it has been placed or investments made, how long would you need it before you would need access to the capital? In your scenario, based on your age, based on your age, I think it would be the first answer, longer than ten years, and it goes down from there.\n\nSo that one's a pretty standard question a pretty common answer, to be honest with you, when it comes to superannuation. The next question is inflation means that things are getting more expensive over time, which may which makes your money worth less today. How much risk are you willing to take to keep up with inflation? So rising cost of living. Would you be willing to accept very high risk to outpace inflation, willing to accept high risks, moderate risks, a small amount of risk, or no risk.\n\nYep. The next question, there's there's a few more. Sorry. This is a bit long winded. Investments can go up and down in value.\n\nThat's called volatility. How much of a drop in your investment over a year would when would when would you start to worry? More than 50%, up to 50%, up to 25%, up to 10%, or up to 5%? So at what point would you worry? Yep.\n\nOkay. How would you feel if in six months after your first initial investment, you found out that your portfolio decreased by 20% due to the ups and downs of the investment market? Would you, one, invest more for growth, invest modestly for growth, hold and wait for improvement, shift your assets to more defensive type assets, or convert to cash? Yep. What kind of return do you expect to get in the long term from your investment?\n\n8% or above, six to 8%, four to six, or two to four? Yep. Beautiful. Have your investments, including superannuation, ever dropped in value, and how did it make you feel? Were you optimistic about future investments or cautious with no further investments plans, concerned, or highly anxious, How much How much are you how much risk are you willing to take to get the return you want?\n\nSo max return regardless of risk, high risk for big returns, moderate risk for good returns, minimal risk slight returns, or safety first? Moderate. Yep. What kind of income do you expect to get net of to get from your investments in the future? So an example would be is capital growth is the share price increasing over time, so from $10 to $20 in price.\n\nAnd an example of the dividend that you get from holding the share. So would you expect capital growth only with no income? So we're talking about your your super here. Minimal minimal income, mostly capital growth. Balance combination of two, high income with some capital or or income, no capital.\n\nYep. And have you ever thought about taking out money alone to invest? Nope. So that answers one part of the question. The next part of the question would be, would you be open to borrowing for shares or funds, open to borrowing for an investment property, or open to borrowing for your own home only?\n\nMhmm. Yep. So an investment property as well as a home your own home? Yep. Okay.\n\nAnd then thinking about your last answer, how would taking a loan to invest make you feel comfortable borrowing for investment, aware of the risks, somewhat comfortable, cautious of the risks, careful with borrowing, understanding its risks, hesitant to borrow, wary of high risks, or worried about your borrowing due to significant risks. Yep. Beautiful. That's the end of my interrogate interrogation. So what that helps us understand is your, as I mentioned earlier, your risk tolerance.\n\nSo what you have essentially, what it tells us is a risk profile. Now what we're gonna talk about briefly is what that is, what it means, and whether you are comfortable to proceed with that if we look at your superannuation as an investment. So you're you've come out as a growth investor, which means that, typically, we would have an 80% allocation to growth assets being shares, national international and Australian, and property. So, property funds. And you'd then have typically 20% allocated to your defensive income producing assets, which would be fixed interest, cash components, bonds, and those types of things.\n\nThe expected return in a growth portfolio averages between seven to 9% gross of fees, and the expected volatility within a growth portfolio could be plus or negative 11% depending on the year. So that's the variance minimum suggested time frame, so this is to withstand those negative returns, is at least six years. So given that oh oh gosh. My calculator my keyboard's not working. Given that you're, what, 31?\n\nIs that right? Doing math in my head, Chris. 32. So you've got twenty eight years until you can access super based on today's legislation. Yes.\n\nIt is. The I know. I know. Goes quickly, though. It's the next one up from that is a high growth investor.\n\nSo the difference being is that it's a 10% split. Your returns are expected to be between eight to 10%. The volatility expected could be anywhere between plus to negative 14%, and this is just standard statistics. And the likelihood of a negative return, the same with gross, is one in every five years with a minimum time frame of at least eight years. I it and what the most important part of investing would be that, excuse me, you pass the sleep at night test.\n\nSo you've got to be comfortable with your allocation and how it's it's structured for your the goals that you wanna achieve. So if you're looking at growing your super to meet those income needs, it might be that initially we need to take a little bit more risk to, like, take so so I say a little bit more risk. Like, take a a a different risk profile, so maybe a high growth one to help work towards those achieving those goals, and then you'd taper off over time. So it's it's about your comfort level given your your pretty much I'm just having a look. Your I'm just having a look.\n\nExcuse me. You're at the bottom. One more number, and you would have been a a so growth starts from an about a questionnaire total of 31 to 35. A high growth is 25 to 30. You scored 31.\n\nSo you're literally on the the of high growth and a growth investor. So it really comes down to your your preference and your sorry. It really comes down to your preference as to whether you wanted to I I think personally recommending wise based on a superannuation fund, You could take a high growth approach given your time and also the fact that you're one number away from being a high growth risk profile anyway. So I think you're under and given the fact that you have answered that you've had shares in the past, you understand loan and debt for investment purposes from property. I think you're financially astute enough to understand the the risk to first reward.\n\nSo I would probably recommend a high growth portfolio based on that. But, again, I'm I take your direction. If you're more comfortable starting with an eighty twenty allocation and reviewing over time, that's a 100% okay also. Beautiful. So what I'm going to do also is just go back to the goals.\n\nI just wanted to revisit one section. You said that you were a single mom wanting to set up for your daughter for uni, those types of things. Is that something that you wanna start doing now as well? Like a savings? Yep.\n\nYep. Yep. Yep. Mhmm. Yep.\n\nYeah. And have you just been doing a savings account for that? Yep. Yep. Yep.\n\nOkay. And do you put how much per week do you put into that or fortnight? Okay. And do you know what the balance of your savings account is? Yep.\n\nThat's okay. Yeah. No. That's alright. The the reason I asked that is there are investment options available for you that you can invest in.\n\nThe minimum investment is, I think, starting balance is a thousand dollars, and you can continue making regular investments. The benefit of those is particularly in ten years' time, which would be probably around the time she may be looking at. I mean, she would have finished high school. Not sure. But in ten years' time, what the type of insurance type of investment it is is that it's at it's called tax paid.\n\nSo in ten years, you would withdraw it, and it is no tax payable on it. No capital gains or anything like that because it's all taxed internally whilst invested. That's yeah. Yeah. So that is an option whether you're ready to do it now or whether you're ready to do it down the track, but that's something that we can look at also.\n\nAnd do you think that would be something more down the track? Yeah. Always. Okay. The other question I just need to run through with you is from the insurance side of things.\n\nI'll just explain quickly the types of insurance that are available. There is life insurance, which is self payable to your beneficiary, plus would make sure that we'd have one set up. And then your TPD insurance, which is total and permanent disablement, is a payment that is exactly that. If you're totally and permanently disabled and deemed not to be able to return to work in an occupation that you are trained or appropriately trained or educated in. So if you think of TPD is a worst case scenario, so it might be, for example, you're in a car accident yesterday and you've lost the ability to use your your hands or your arms, therefore, you're not able to drive to work work your role, those types of things.\n\nYep. The other the other type of policy is a income protection policy, which is the one you're alluding to before being a single mom. If anything happens to you and you're unable to work, that is that will cover you in the event that you're unable to work due to injury or illness. It doesn't cover unemployment or anything like that. It's just injury or illness.\n\nAnd what it does cover is it will cover 70% of your taxable income. So 70% of the $82,000 that you earn annually, and it's paid monthly. And there are two variances to that. There's something that we call a waiting period and then something that we call a benefit period. So the easiest way I like to explain it is is a waiting period is similar to an excess on your current insurance policy.\n\nIt's the number of days you've gotta wait until you're eligible to begin being paid. And that varies between insurers from thirty days to sixty days, ninety days, and and it can continue up from there. The benefit period is the number the period of time you're you're eligible to be paid for. So it can be two years, five years, to age 65, depending on how we structure the policy. So for example, even if you had a five year benefit period, that doesn't mean that you would just be on claim for five years.\n\nIt's only until your doctor says that you're fit to return to work. So for example, you I'll use my husband as an example. He has an income protection policy. He was injured last year in an accident, and he was off work for four months. He had a thirty day waiting period.\n\nSo the first thirty days was no income. He had a little bit of sick leave that covered him during that thirty days. We had to use savings, etcetera. And then after that, he was paid for the three months while on claim. So after he recovered, he was cleared to go back to work.\n\nSo if he wasn't cleared to go back to work and his injury was gonna take a lot longer, the maximum time that he would have been able to be on claim for is five years because that was his benefit period. So that's how those two work. The very last policy is trauma insurance. Oh, sorry. Before I go ahead.\n\nSo life, TPD, and income protection can be funded between from your superannuation funds as to not impact your personal cash flow. But the other thing we do look at is the cost of those covers and how the long term effect of that will impact your super fund. So it's a catch 22, so we look at both as an option. And then the last policy that's available is one that's called trauma, and it's a lump sum tax free payment in the event that you're diagnosed with a critical illness. So most trauma policies are approximately about 42 illnesses that you need you if you are diagnosed with, you'll receive a lump sum payment.\n\nThe severity depends on the insurance company, and they range from cancer, stroke, heart attack, neurological diseases. And the reason why that policy that claim would be tax free is because that is actually paid out of your personal cash flow. It cannot be funded through super. So it's kind of a gap between your TPD and your income protection cover because, likely, you will return because likely, you will return to work and you will recover with those types of events. The likelihood is that you would recover.\n\nIt's just to give you some funds in the meantime to not have to worry about financial stress while you're recovering from health a health situation. So they're the types of covers that are available. Out of those, what are you thinking, those types of covers? Yep. Beautiful.\n\nSo in the event the income protection's easy to figure out from a sum insured point of view. But what about from a waiting period yeah. Waiting period and benefit period? What would you think is it for a waiting period, is it the shorter, the better? Can you do you have funds to cover you for a bit longer?\n\nSo that's the yep. Fantastic. And with the benefit period, typically, in super, we'd look at five years because it would be disability. But what let me play with that. Would you be comfortable with five years, or would you like longer?\n\nYeah. Five years. Yep. Okay. With your life and TPD, I'm just gonna ask a couple of quick questions that will help me look at some insured.\n\nWhen you look at I guess, first of all, you mentioned you wanna make sure anything that happens to your daughter, it's it's covered. Is you mentioned university life costs, etcetera. Is there funds there that you'd want available for her to be able to purchase a house, live in a house? I mean, let's say she's age 15 and the worst case scenario happens. What do you want for her to receive to make her life easier?\n\nIt is, isn't it? And it's not one as moms we like to think about. Mhmm. Yep. Mhmm.\n\nOkay. Okay. That's okay. So you'd like her to have be able to have a to purchase something to live in that she can call her own and give her that stability? Yep.\n\nHow much would you anticipate, I mean, based on where you live, if it was a little unit or a a townhouse that she could purchase. You know, she would probably live with family for a little bit until she's older and those sorts of things. But how much would you like for a based on today's dollars? And, again, it it's all based on Yep. Yep.\n\nSo 600 do you think 600,000, like, with stamp Judy, and all that would be okay? Yep. Did you wanna allow you mentioned nest egg. Was there anything at an additional amount you wanted for her for education or a nest egg? Yep.\n\nYep. Yeah. Okay. And last but not least, if something was to happen to you yesterday and your mom or your dad or your sister or extended family were to look after her, How much in how much would it cost to pay for her education, her living expenses? Kind of like, how much would you like to allow your family members per annum roughly, and this is just we work backwards from here, to cover those expenses without there being an a financial impact strain on getting what your you want your daughter to have versus what your family members may be able to afford?\n\nYeah. Well well, you know, what we can do is we can actually start start by looking at your expenditure. So if your expenditure is about $500 a week, how much of that do you think is goes towards your daughter? Like, living expense wise, so food, school. Mhmm.\n\nYep. Mhmm. Yep. No. That's fine.\n\nAnd with high school, should we be going to a private school or a public school? Mhmm. Okay. Beautiful. Look.\n\nI can use some basic it's very hard to answer those questions. I know, and I'm sorry for asking a lot of questions. Yeah. It does. And I can use some basic statistical information that we have access to on those types of costs to look at to look at what an appropriate sum insured would be for those types of cover.\n\nOkay. I've asked a lot of questions. Do you have any questions of me? Nope. That's okay.\n\nYep. Absolutely fine. So what I'm going to do now, I'm just trying to log in to a different screen. It won't be a second. I'm just gonna run oh, it's not working.\n\nThere we go. I'm going to run through our financial services guide. It's just gonna get be able to meeting. It is is it I've been getting that a lot the last two days. I think it's my headset because I've been fiddling with the volume, and the volume seems I'm gonna turn it all the way up.\n\nIs that a bit better? Okay. Well, I'm definitely not doing that. Sorry. No.\n\nNot unfortunately, no. No. Not a unfortunately, no. Okay. So to go with our to go I'm gonna run through our fee structure and how it typically works.\n\nSo the there's a there's two fees. There's the initial fee for the advice and the ongoing fee. The ongoing fee is set at 1.65% per annum of your funds under management. So that's based on your balance today. If you were to do an investment bond as we talked about earlier, I referenced, that same fee would be applicable to your bond as well.\n\nThat cove the ongoing fee covers your ongoing annual reviews or your review frequency depending on what one you select. It will cover any questions that you have, any touch points. So you're not limited in contacting us for any concerns, questions, or updates that you wanna receive. That's what your ongoing fee covers us for. There is an initial implementation fee.\n\nSo everything up until the point that you decide if you wish to proceed is complimentary, and we'll work through all the all questions you have. Once you if you get to the stage where you agree that you wanna proceed with advice, there's a one off implementation fee, and that's $4,950. And the funding of that would come from your super fund in this scenario because that's all we're looking at at this time, not investments. And that's how the fee structure works. With insurance, we are paid via the insurance company via commission.\n\nSo that's not out of pocket out of your pocket. That's paid via the insurance company. So any questions regarding fees? Yes. Okay.\n\nFantastic. So you know what an FSG is, so that's great. I don't need to explain that. Beautiful. I love that.\n\nOkay. So what I'm going to do is also in a moment, I'm going to send you a link to, it's called the f triple a safe ID. It just being in the bank, you would know this as well. Yeah. AML, it's just for you to complete when you're ready, and it's just your confirming your ID.\n\nSorry. It's there's no other way to explain it, really. So yeah. Alright. So I'm just going to process through that.\n\nOkay, sir. It won't be a moment. Okay. So you you'll have that invite in your inbox shortly. And if you just follow the the links, that should work.\n\nIf you have any concerns or any issues in completing that, please let me know, and I can walk you through that. Sorry? Oh, fantastic. Lovely. I love that.\n\nOkay. And the next questions really are from here is, with the insurance, the only thing that I do note that what we would want to look at doing to avoid any delays, if you did wish to proceed, is look at getting a pre assessment. What we do there is we look at health and financial to see if the insurance company is comfortable issuing a policy. The only reason not comfortable issuing a policy, but it meets the underwriting guidelines. Sorry.\n\nIncorrect terms, you said. The reason I say that is is you are on a weight loss journey at the moment, and they will look at the for example, how much weight you've lost over a twelve month period, etcetera, and they will set so they'll wanna look further. So what it means is basically is they might say, yep. Happy to proceed with cover. It's all it's all kosher.\n\nThere's no risk factors additional risk factors we see here. That's fantastic. Worst case scenario is they might say, no. We wanna wait six months and revisit the application in six months. Middle case scenario is, yep.\n\nThat's fine, but we may apply a loading to that insurance policy, which would be reviewable in x y z amount of time. So what we like to do is make sure that we have all the pre assessment details ready. It does speed up the process in relation to getting a decision on insurance, and it and it lets us be more transparent with you as to what the outcome's likely to be. So if you did wanna proceed down that, I would probably transfer you back to Maddie for a little bit, or I'm happy to go through it over the phone with you if Maddie's busy at pre assessment. But from today's perspective, outside of what we've discussed and oh, actually, the other thing is estate planning, wills and powers of attorney.\n\nYeah. Yeah. We do have a professional partner that we work with. It's quite reasonable, actually, price wise compared to what I've seen over my time to establish those documents. What I can do is just email you a brochure if you like for you to have a read over.\n\nIt gives you an indication of prices for what you can expect to pay. And you can then let me know if you want me to arrange a referral or an introduction to them. Given that your daughter's 10 and you're the sole parent, essentially, it's probably it's one of those things that you probably need to attend to sooner rather than later just to make sure she because no matter what plan you put in place to make sure that she's financially secure without that document in place, it can leave her vulnerable should you not be around. Okay. So I'll email you that to have a read over.\n\nOutside of that, the only other question I wanted to ask is with your debt repayments, are you happy to continue those, or you're just happy to continue managing those yourself? Yep. Fantastic. Okay. So I have asked a million questions of you today.\n\nThe next steps from here are are probably you deciding if you're happy to move to the next steps. If you wanna go away and have us think about things for a little bit, gather your thoughts because it is information overload, to be honest with you. I can send you a summary of our conversations with some links to some web sites with the general information that you can check out. And, basically, once you have made a decision as to what you would like to do, whether you wanna proceed with advice or not, we would then start the advice process. So that would involve me and our team generating an advice document, presenting that to you with my recommendations as to what you need to do, You deciding out of that what you want to do, and then we go and implement from there.\n\nSo what I can do is send you a summary email if you like and touch base with you in a couple of days. I'm completely led by you. Yeah. Yep. Alright.\n\nBeautiful. What I'll do is I'll do up a summary email for you this afternoon to make sure that you received that today. I might touch base with you on Friday. Is that okay? I'll Fantastic.\n\nI'll touch base with you Friday morning sometime to see how you're going and what your thoughts are. And in the meantime, if you can complete that ID verification for me, that would be fantastic. And I will speak to you Friday morning. Okay. Yep.\n\nAlright. Fantastic. I will keep an eye on that. Actually, while I've got you on the phone, did you wanna go through that insurance pre assessment quickly? Yep.\n\nYep. Yep. Fantastic. Fantastic. I think that's a good idea.\n\nSo you're a 100% in office, so that's not applicable. In your role, are you required to travel for work or anything like that? Yeah. No. That's fine.\n\nYou know, do you perform any hazardous activities, working at heights, explosives, underground, all that sort of stuff? Yep. Yep. Beautiful. Do you intend to change your occupation or employment status in the next twelve months?\n\nNo. Do you have a second job besides being a mom? Yep. Okay. Fantastic.\n\nDo you intend to travel or live overseas for work or pleasure anytime in the foreseeable future? Yep. And where will you be traveling to? Yep. Beautiful.\n\nJust for a holiday? Okay. That will be lovely. Is it are you going for snow season? Or oh, so do I.\n\nYou'll have to let me know because I would love to go for that also. Do you have any pastime sports or hobbies that you compete in or you participate in that are you'd probably consider contact type sports or high levels of danger? Yeah. That's fine. Yep.\n\nYep. Yep. Absolutely. And you're you said you're a nonsmoker, so that's fine. But have you used any tobacco substance in the last twelve months?\n\nNo. And have you ever taken any illicit drugs? No. Do you drink alcohol? Yeah.\n\nYeah. Same. So on average, how many would you drink per week? Yeah. Just yeah.\n\nYeah. Yeah. Okay. That's absolutely fine. I've got your okay.\n\nSo in the last twelve months, how much weight do you think you've lost? So you're you started a hundred and fourteen. Yep. Okay. So you've lost about 12.\n\nYep. Beautiful. Congratulations. Well done. And is it did you just decide to do that for your health?\n\nYep. Okay. Fantastic. Alright. In the last twelve months, have you been I an absent from work or been unable to fulfill your duties?\n\nYeah. No. Alright. Have you ever been diagnosed with an illness that can that will impact your ability to work? No.\n\nThat's good. Have you ever had an insurance application declined or refused? Yeah. Okay. Beautiful.\n\nHave you been on any sort of workers' compensation claim or government benefits for any sickness or injuries? No. And okay. So you did not apply. So that sorry.\n\nTalking to myself there. You haven't applied for insurances before, so that question's not applicable. Alright. This is just about your medical history, so I will just run through this. At the very moment, do you intend to seek any medical advice, test, investigation, or treatment, including surgery?\n\nNope. Have you ever had or sought advice or treatment from a health care professional for the following? Stress, anxiety, depression, or a mental health disorder. Yep. And how long ago was that?\n\nYep. I'm glad that you have been able to make it through that. That's not a not a nice thing. I'm sorry to hear. What about any skin cancer, tumors, lesions, moles, or a cyst?\n\nNo. Any back or neck pain, problems, any sciatica? No. Any bone fractures, muscle, ligament, tendons, injuries? No.\n\nAny blood borne diseases? Any heart or blood conditions? No. Sorry. This just there's a lot of questions here.\n\nI do. I do. Any cancers? No. Asthma or respiratory conditions?\n\nAny disease oh, sorry. Any condition of the eyes or ears outside of wearing glasses? Yep. High blood pressure or high cholesterol? Any skin condition such as dermatitis, eczema, anything like that?\n\nAny diabetes or thyroid condition? Any any other condition that you can think of? Yep. Okay. So when was the last time you had that checked?\n\nOkay. So there was no indication of any more fatty liver? Okay. Okay. Beautiful.\n\nAnd have you had any previous surgery? Yeah. Did you say two? Yep. And they were surgery?\n\nYep. Yep. Okay. Have you had any abnormal sorry. This is getting quite personal for a first consult.\n\nHave you had have you had any abnormal pap smear test results or any abnormality of your ovaries? No. Have you had any abnormal vaginal bleeding in the last twelve months? Yep. Yeah.\n\nYeah. No. That's fine. That's fine. That's part of the other thing, so that's fine.\n\nAnd any breast lumps or abnormal mammogram or breast ultrasound? Nope. Okay. Alright. With the fatty liver, when was that diagnosed?\n\nYep. Yes. That's okay. No. No.\n\nNo. What will happen is is we're just gonna use this very basic information to go to the insurance companies and make sure that we can get you cover. If they're happy to proceed, they'll actually reach out to your doctor because there is a cost, believe it or not, for them to get this information from your doctor. But the insurance company pays for it, so don't even worry about it. So I don't want you to if they say, oh, why do you want it?\n\nYou say I'm getting it from my insurance company. They'll say, oh, well, we charge this, so don't worry about it. You no. No. No.\n\nNo. So don't worry about that at all. Okay. With the counseling, I'm sorry to be intrusive here because of the delicate nature of why. How long did you seek the counseling for?\n\nYep. Okay. Okay. And you're not seeing them anymore? Yep.\n\nYep. Okay. That's good to hear. You. Yep.\n\nOkay. So that's fine. I'm just checking. With the dosage of your Manjaro, how much do you take and how often? Okay.\n\nAnd when did you start it? Yep. 2025. When did you start the five milligrams? Yep.\n\nOkay. And the seven is to be confirmed. Yep. And you just Yep. No.\n\nYeah. No. I understand. That's absolutely fine. After the seven point five, is it likely to go out more, or does it sit at that now?\n\nYep. Yep. That's okay. I understand. All Alright.\n\nOkay. Beautiful. The only other set of questions I have relates to immediate family members, so that's being your mom, dad, and siblings, and just if they have had been diagnosed with any of these conditions. First lot, heart disease, heart attack, or stroke, multiple cirrhosis, Parkinson's, or Alzheimer's, any muscular dystrophy, Huntington's, or motor neurone disease neuron. Sorry.\n\nAny bowel cancer or melanoma, any polycystic kidney disease, any breast or ovarian cancer, cardiomyopathy. That's to do with the heart. So that's the heart being from my recollection. It's small or large in size? Nope.\n\nAny mental health condition? Any diabetes? And any other condition that you can think of that could potentially be hereditary. Absolutely fine. Absolutely fine.\n\nAlright. Thank you for taking the time. That's the end of that invasive questionnaire. What I'm gonna do is I'm gonna put together our a summary email for you, send it through. I'm gonna reach out to you on Friday.\n\nAnd in that time frame, I might get a pre assessment done. So when I do speak with you on Friday, I have a pretty good idea of what we can do insurance wise and if there's any limitations that we have. But that's it. Oh, beautiful. Well, thanks.\n\nNo. Thank you. And I will talk to you again on Friday. Thanks, Kat. You too.\n\nBye bye. Bye.","paragraphs":[{"sentences":[{"text":"Jenna from Oakview Financial.","start":7.52,"end":9.3,"sentiment":"neutral","sentiment_score":0.029662966262549162},{"text":"Hi, Kat.","start":13.759999,"end":14.4,"sentiment":"neutral","sentiment_score":0.12544473260641098},{"text":"This is Jenna here phoning from OCU Financial.","start":14.4,"end":16.775002,"sentiment":"neutral","sentiment_score":0.14846939966082573},{"text":"How are you today?","start":16.775002,"end":17.995,"sentiment":"neutral","sentiment_score":0.2054659128189087},{"text":"I'm well.","start":19.815,"end":20.535,"sentiment":"positive","sentiment_score":0.3375273793935776}],"sentiment":"neutral","sentiment_score":0.15271074688062072,"num_words":20,"start":7.52,"end":20.535},{"sentences":[{"text":"Thank you.","start":20.535,"end":21.015,"sentiment":"positive","sentiment_score":0.5097633302211761},{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":21.015,"end":25.975,"sentiment":"neutral","sentiment_score":0.02875574305653572},{"text":"Is that okay?","start":25.975,"end":26.795,"sentiment":"neutral","sentiment_score":0.04012319818139076},{"text":"Beautiful.","start":28.855,"end":29.355,"sentiment":"positive","sentiment_score":0.4124518632888794},{"text":"Kat, part of our process that you'll become accustomed to is three points of ID.","start":30.990002,"end":37.71,"sentiment":"neutral","sentiment_score":0.07295363148053487}],"sentiment":"neutral","sentiment_score":0.07518260638144883,"num_words":44,"start":20.535,"end":37.71},{"sentences":[{"text":"Just to verify that we're speaking with the correct person, can I just get you to confirm your full name, date of birth, and address, 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beautiful.","start":109.405,"end":110.205,"sentiment":"neutral","sentiment_score":0.14593686908483505},{"text":"I got a 10 year old too.","start":110.205,"end":111.585,"sentiment":"neutral","sentiment_score":0.008264292563710893}],"sentiment":"neutral","sentiment_score":0.03284786542256673,"num_words":15,"start":101.76,"end":111.585},{"sentences":[{"text":"What what is her name?","start":112.924995,"end":121.579994,"sentiment":"neutral","sentiment_score":-0.039117963053286076},{"text":"N a l 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correct?","start":505.28,"end":506.18002,"sentiment":"neutral","sentiment_score":0.12160938729842503},{"text":"Okay.","start":511.36002,"end":511.68002,"sentiment":"neutral","sentiment_score":0.019398286938667297},{"text":"Yep.","start":511.68002,"end":512.18005,"sentiment":"neutral","sentiment_score":0.016653651371598244},{"text":"Okay.","start":513.84,"end":514.34,"sentiment":"neutral","sentiment_score":0.023579824715852737},{"text":"And that includes any rental, anything like that?","start":517.495,"end":520.305,"sentiment":"neutral","sentiment_score":0.01569440681487322}],"sentiment":"neutral","sentiment_score":0.039286798531455655,"num_words":14,"start":505.28,"end":520.305},{"sentences":[{"text":"And that's included in that amount that you've given to 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that?","start":559.115,"end":565.77997,"sentiment":"neutral","sentiment_score":-0.11879835068248212},{"text":"Yep.","start":568.88,"end":569.38,"sentiment":"neutral","sentiment_score":-0.03980449587106705},{"text":"Yes.","start":580.585,"end":581.085,"sentiment":"neutral","sentiment_score":0.019559286534786224},{"text":"Beautiful.","start":584.98505,"end":585.48505,"sentiment":"positive","sentiment_score":0.5929088592529297},{"text":"Fantastic.","start":585.865,"end":586.365,"sentiment":"positive","sentiment_score":0.6507904529571533}],"sentiment":"neutral","sentiment_score":-0.041587100427767094,"num_words":22,"start":559.115,"end":586.365},{"sentences":[{"text":"Alright.","start":587.065,"end":587.565,"sentiment":"neutral","sentiment_score":0.14603421092033386},{"text":"Now now with assets and liabilities, I have a Mercedes here valued at 35,000 and a debt of 36.","start":587.705,"end":597.2,"sentiment":"neutral","sentiment_score":0.02848255291189018},{"text":"Is that right?","start":597.2,"end":598.1,"sentiment":"neutral","sentiment_score":0.034273811926444374},{"text":"Yep.","start":600.07996,"end":600.57996,"sentiment":"neutral","sentiment_score":0.024588383734226227},{"text":"Okay.","start":602.0,"end":602.5,"sentiment":"neutral","sentiment_score":0.02212221920490265}],"sentiment":"neutral","sentiment_score":0.03346939019858837,"num_words":25,"start":587.065,"end":602.5},{"sentences":[{"text":"And a Westpac personal loan of 2.5 $0.02 thousand 700.","start":604.16,"end":610.905,"sentiment":"neutral","sentiment_score":0.01961490702815354},{"text":"Sorry.","start":611.205,"end":611.705,"sentiment":"neutral","sentiment_score":0.0020150323398411274},{"text":"Yep.","start":613.125,"end":613.625,"sentiment":"neutral","sentiment_score":0.05269774794578552},{"text":"Beautiful.","start":613.765,"end":614.265,"sentiment":"neutral","sentiment_score":0.1908429116010666},{"text":"Any other assets and liabilities?","start":614.48505,"end":616.185,"sentiment":"neutral","sentiment_score":0.04500835090875625}],"sentiment":"neutral","sentiment_score":0.03704147315066722,"num_words":18,"start":604.16,"end":616.185},{"sentences":[{"text":"Okay.","start":629.25,"end":629.75,"sentiment":"neutral","sentiment_score":-0.07294470071792603},{"text":"How much is that at?","start":631.17004,"end":635.01495,"sentiment":"neutral","sentiment_score":-0.01549227274954319},{"text":"Yep.","start":636.035,"end":636.435,"sentiment":"neutral","sentiment_score":-0.0004181296972092241},{"text":"Okay.","start":636.435,"end":636.935,"sentiment":"neutral","sentiment_score":0.0031426125206053257},{"text":"Alright.","start":638.83496,"end":639.33496,"sentiment":"neutral","sentiment_score":0.008667058311402798}],"sentiment":"neutral","sentiment_score":-0.015446058147871453,"num_words":9,"start":629.25,"end":639.33496},{"sentences":[{"text":"Yeah.","start":646.915,"end":647.415,"sentiment":"neutral","sentiment_score":-0.0028725024312734604},{"text":"No.","start":647.71497,"end":647.875,"sentiment":"neutral","sentiment_score":-0.02161024510860443},{"text":"That's absolutely fine.","start":647.875,"end":649.31,"sentiment":"neutral","sentiment_score":0.11077091718713443},{"text":"And I see that you had a part nine debt agreement.","start":651.61005,"end":654.75,"sentiment":"neutral","sentiment_score":0.032464946281503544},{"text":"Yep.","start":656.41003,"end":656.91003,"sentiment":"neutral","sentiment_score":0.03999012708663941}],"sentiment":"neutral","sentiment_score":0.04146673765910022,"num_words":17,"start":646.915,"end":656.91003},{"sentences":[{"text":"Yep.","start":660.89,"end":661.29004,"sentiment":"neutral","sentiment_score":0.034192368388175964},{"text":"Okay.","start":661.29004,"end":661.69,"sentiment":"neutral","sentiment_score":0.0969640016555786},{"text":"Beautiful.","start":661.69,"end":662.19,"sentiment":"neutral","sentiment_score":0.2639617621898651},{"text":"Alright.","start":665.76495,"end":666.165,"sentiment":"neutral","sentiment_score":0.11322786659002304},{"text":"And you're a nonsmoker?","start":666.165,"end":667.225,"sentiment":"neutral","sentiment_score":0.013667730148881674}],"sentiment":"neutral","sentiment_score":0.07037711492739618,"num_words":8,"start":660.89,"end":667.225},{"sentences":[{"text":"Yeah.","start":669.52496,"end":670.02496,"sentiment":"neutral","sentiment_score":-0.02205934002995491},{"text":"And you've been on a weight loss journey.","start":670.96497,"end":674.02496,"sentiment":"neutral","sentiment_score":-0.02464876347221434},{"text":"Is that right?","start":674.485,"end":675.46497,"sentiment":"neutral","sentiment_score":0.014224954570333162},{"text":"Yeah.","start":676.165,"end":676.665,"sentiment":"neutral","sentiment_score":0.04257961735129357},{"text":"Excuse my ignorance.","start":678.22,"end":679.5,"sentiment":"neutral","sentiment_score":-0.13203217089176178}],"sentiment":"neutral","sentiment_score":-0.03313071746379137,"num_words":16,"start":669.52496,"end":679.5},{"sentences":[{"text":"I have no idea what this is, but can you tell me what Manjaro is?","start":679.5,"end":684.56,"sentiment":"neutral","sentiment_score":-0.1100263940791289},{"text":"Yep.","start":689.42,"end":689.74,"sentiment":"neutral","sentiment_score":0.04096687212586403},{"text":"Okay.","start":689.74,"end":689.98,"sentiment":"neutral","sentiment_score":0.12122735381126404},{"text":"Beautiful.","start":689.98,"end":690.48,"sentiment":"positive","sentiment_score":0.35605019330978394},{"text":"Alright.","start":692.315,"end":692.815,"sentiment":"neutral","sentiment_score":0.11900202929973602}],"sentiment":"neutral","sentiment_score":-0.053323655928436076,"num_words":19,"start":679.5,"end":692.815},{"sentences":[{"text":"Okay.","start":695.27496,"end":695.77496,"sentiment":"neutral","sentiment_score":0.03024347499012947},{"text":"And are you still on that injection?","start":697.755,"end":700.65497,"sentiment":"neutral","sentiment_score":-0.003507643938064575},{"text":"Yep.","start":702.71497,"end":703.21497,"sentiment":"neutral","sentiment_score":0.09777041524648666},{"text":"Okay.","start":703.27496,"end":703.77,"sentiment":"neutral","sentiment_score":0.0733589231967926},{"text":"And I have your height at a hundred and fifty seven centimeters and your weight at a hundred and two.","start":704.81,"end":710.35004,"sentiment":"neutral","sentiment_score":0.058529349975287914}],"sentiment":"neutral","sentiment_score":0.04491354351242383,"num_words":30,"start":695.27496,"end":710.35004},{"sentences":[{"text":"Beautiful.","start":712.73004,"end":713.23004,"sentiment":"positive","sentiment_score":0.7197691202163696},{"text":"And your estate planning, do you have any of that in place?","start":713.85004,"end":718.235,"sentiment":"neutral","sentiment_score":0.17917880788445473},{"text":"Will's power of attorney?","start":718.235,"end":719.695,"sentiment":"neutral","sentiment_score":-0.017775525338947773},{"text":"Okay.","start":722.635,"end":723.135,"sentiment":"neutral","sentiment_score":0.01153433695435524},{"text":"Well, that's something we're gonna talk about, especially with your daughter.","start":723.195,"end":726.255,"sentiment":"neutral","sentiment_score":0.042329272255301476}],"sentiment":"neutral","sentiment_score":0.1129644498357485,"num_words":29,"start":712.73004,"end":726.255},{"sentences":[{"text":"Alright.","start":728.39496,"end":728.89496,"sentiment":"neutral","sentiment_score":0.02541328966617584},{"text":"And then for these types of questions, are you a tax resident of any other country?","start":729.195,"end":736.09,"sentiment":"neutral","sentiment_score":0.0015529427328146994},{"text":"No.","start":737.75,"end":738.23004,"sentiment":"neutral","sentiment_score":0.02787012979388237},{"text":"Fantastic.","start":738.23004,"end":738.73004,"sentiment":"neutral","sentiment_score":0.31125372648239136},{"text":"Alright.","start":739.59,"end":740.09,"sentiment":"neutral","sentiment_score":0.1605408638715744}],"sentiment":"neutral","sentiment_score":0.027496254676952957,"num_words":20,"start":728.39496,"end":740.09},{"sentences":[{"text":"What I'm going to do now is I'm just gonna jump over, and it's part of our process to complete a what we call a risk profile.","start":741.03,"end":750.885,"sentiment":"neutral","sentiment_score":0.11003230995050182},{"text":"So this the what this will help us do in reference to your superannuation or and future wealth building, being a single mom and working towards those goals for your daughter is just help us understand your tolerance to risk, what levels of risk you're willing to take.","start":750.885,"end":772.85,"sentiment":"neutral","sentiment_score":0.11287535672696929},{"text":"And it would be likely different if you looked at it from a like, your superannuation balance, which you have a long term investment time frame.","start":773.70996,"end":782.005,"sentiment":"neutral","sentiment_score":-0.030534921715465877},{"text":"Whereas if it was something maybe in your personal name, your risk tolerance may be less in that scenario.","start":782.005,"end":787.385,"sentiment":"neutral","sentiment_score":-0.09694174520279232},{"text":"So what I'm gonna do is ask these questions based on your superannuation at this stage.","start":787.445,"end":792.24,"sentiment":"neutral","sentiment_score":0.039265550090931356}],"sentiment":"neutral","sentiment_score":0.0469215968349839,"num_words":136,"start":741.03,"end":792.24},{"sentences":[{"text":"So if you can answer them thinking of your super balance when we talk about other investment options, yeah, in a little bit, we can then tailor our conversation differently to suit your tolerance to risk then.","start":793.74,"end":809.435,"sentiment":"neutral","sentiment_score":0.08071097953094018},{"text":"So how would you rate your willingness to take financial risk?","start":810.455,"end":815.41504,"sentiment":"neutral","sentiment_score":0.00016472607173702934},{"text":"Would you be very high, high, average, low, or very low?","start":815.41504,"end":820.1,"sentiment":"neutral","sentiment_score":-0.04068883914839138},{"text":"Average.","start":823.36,"end":823.86,"sentiment":"neutral","sentiment_score":0.0053243935108184814},{"text":"Yep.","start":824.0,"end":824.5,"sentiment":"neutral","sentiment_score":0.04307308420538902}],"sentiment":"neutral","sentiment_score":0.042441614369144204,"num_words":61,"start":793.74,"end":824.5},{"sentences":[{"text":"How familiar are you with investment markets?","start":827.27997,"end":830.175,"sentiment":"neutral","sentiment_score":0.01049480534025601},{"text":"Are you comfortable with invest your investment knowledge?","start":831.035,"end":834.495,"sentiment":"neutral","sentiment_score":0.01265505375340581},{"text":"Are you aware that investments fluctuate?","start":834.95496,"end":837.295,"sentiment":"neutral","sentiment_score":0.0028304633839676776},{"text":"Do you have a good market grasp that you're still learning, basic investment knowledge, or you're not familiar?","start":837.995,"end":844.975,"sentiment":"neutral","sentiment_score":0.007753470964315865},{"text":"Yep.","start":850.66,"end":851.06,"sentiment":"neutral","sentiment_score":0.03764081746339798}],"sentiment":"neutral","sentiment_score":0.009222253563348205,"num_words":40,"start":827.27997,"end":851.06},{"sentences":[{"text":"Okay.","start":851.06,"end":851.56,"sentiment":"neutral","sentiment_score":-0.0014046570286154747},{"text":"How would you describe your experience and understanding of investment markets?","start":854.18,"end":858.5,"sentiment":"neutral","sentiment_score":0.046823788434267044},{"text":"Would it be positive investing experiences, novice, naturally curious.","start":858.5,"end":870.075,"sentiment":"neutral","sentiment_score":0.2071900094548861},{"text":"You're novice, naturally curious.","start":873.575,"end":876.87006,"sentiment":"neutral","sentiment_score":-0.023487839614972472},{"text":"You've had mixed investment results that have heightened your loss avoidance or past losses have left you extremely loss averse.","start":878.61005,"end":886.575,"sentiment":"negative","sentiment_score":-0.4405178904533386}],"sentiment":"neutral","sentiment_score":-0.1450209348152081,"num_words":45,"start":851.06,"end":886.575},{"sentences":[{"text":"Averse.","start":888.335,"end":888.495,"sentiment":"neutral","sentiment_score":-0.3045678436756134},{"text":"A lot there.","start":888.495,"end":889.395,"sentiment":"neutral","sentiment_score":-0.17985135316848755},{"text":"Yes.","start":892.015,"end":892.515,"sentiment":"neutral","sentiment_score":-0.09044044464826584},{"text":"Yep.","start":897.695,"end":898.015,"sentiment":"neutral","sentiment_score":0.06129004061222077},{"text":"Okay.","start":898.015,"end":898.515,"sentiment":"neutral","sentiment_score":0.3178987503051758}],"sentiment":"neutral","sentiment_score":-0.07933907955884933,"num_words":7,"start":888.335,"end":898.515},{"sentences":[{"text":"Fantastic.","start":899.76,"end":900.26,"sentiment":"positive","sentiment_score":0.6188148260116577},{"text":"Alright.","start":904.64,"end":905.14,"sentiment":"positive","sentiment_score":0.4126780927181244},{"text":"What is the most aggressive investment you've ever made?","start":905.44,"end":909.06,"sentiment":"neutral","sentiment_score":0.27087223529815674},{"text":"Direct shares, manage funds, investment property, your own home, or a high interest bank account.","start":910.32,"end":915.875,"sentiment":"neutral","sentiment_score":0.08264124244451523},{"text":"Yep.","start":924.89496,"end":925.21497,"sentiment":"neutral","sentiment_score":0.17955264449119568}],"sentiment":"neutral","sentiment_score":0.18105608583600433,"num_words":27,"start":899.76,"end":925.21497},{"sentences":[{"text":"That still counts.","start":925.21497,"end":926.27496,"sentiment":"neutral","sentiment_score":0.20246388018131256},{"text":"It means that you understand the how they work and that you you there's no right or wrong answer.","start":926.33496,"end":937.27,"sentiment":"neutral","sentiment_score":0.09976810765893836},{"text":"So if you've had shares in the past, we'd definitely make have that as your answer.","start":937.27,"end":943.005,"sentiment":"neutral","sentiment_score":0.1854069964028895},{"text":"So if we look at this for your superannuation balance, once it has been placed or investments made, how long would you need it before you would need access to the capital?","start":943.385,"end":954.13165,"sentiment":"neutral","sentiment_score":0.022377708926796913},{"text":"In your scenario, based on your age, based on your age, I think it would be the first answer, longer than ten years, and it goes down from there.","start":954.13165,"end":963.23,"sentiment":"neutral","sentiment_score":-0.025950964925618006}],"sentiment":"neutral","sentiment_score":0.05487885183156139,"num_words":99,"start":925.21497,"end":963.23},{"sentences":[{"text":"So that one's a pretty standard question a pretty common answer, to be honest with you, when it comes to superannuation.","start":963.61,"end":970.27,"sentiment":"neutral","sentiment_score":0.013660087354115344},{"text":"The next question is inflation means that things are getting more expensive over time, which may which makes your money worth less today.","start":973.015,"end":980.875,"sentiment":"neutral","sentiment_score":-0.06538494417200917},{"text":"How much risk are you willing to take to keep up with inflation?","start":981.335,"end":985.14,"sentiment":"neutral","sentiment_score":-0.019579767034603998},{"text":"So rising cost of living.","start":986.0,"end":988.89996,"sentiment":"neutral","sentiment_score":-0.035148923844099046},{"text":"Would you be willing to accept very high risk to outpace inflation, willing to accept high risks, moderate risks, a small amount of risk, or no risk.","start":989.68,"end":1000.845,"sentiment":"neutral","sentiment_score":-0.004883165540242636}],"sentiment":"neutral","sentiment_score":-0.01999010046940098,"num_words":89,"start":963.61,"end":1000.845},{"sentences":[{"text":"Yep.","start":1002.985,"end":1003.485,"sentiment":"neutral","sentiment_score":0.015790976583957672},{"text":"The next question, there's there's a few more.","start":1006.26495,"end":1008.425,"sentiment":"neutral","sentiment_score":-0.03217347478494048},{"text":"Sorry.","start":1008.425,"end":1008.745,"sentiment":"neutral","sentiment_score":-0.1970471292734146},{"text":"This is a bit long winded.","start":1008.745,"end":1010.20496,"sentiment":"neutral","sentiment_score":-0.2675684193770091},{"text":"Investments can go up and down in value.","start":1012.23,"end":1014.79,"sentiment":"neutral","sentiment_score":-0.2803796250373125}],"sentiment":"neutral","sentiment_score":-0.17862881114706397,"num_words":24,"start":1002.985,"end":1014.79},{"sentences":[{"text":"That's called volatility.","start":1014.79,"end":1015.85,"sentiment":"neutral","sentiment_score":-0.17890415589014688},{"text":"How much of a drop in your investment over a year would when would when would you start to worry?","start":1016.39,"end":1022.49,"sentiment":"neutral","sentiment_score":-0.21684555150568485},{"text":"More than 50%, up to 50%, up to 25%, up to 10%, or up to 5%?","start":1022.55,"end":1030.385,"sentiment":"neutral","sentiment_score":-0.1714942017570138},{"text":"So at what point would you worry?","start":1031.0851,"end":1032.7051,"sentiment":"neutral","sentiment_score":-0.11421612543719155},{"text":"Yep.","start":1036.685,"end":1037.185,"sentiment":"neutral","sentiment_score":0.009854402393102646}],"sentiment":"neutral","sentiment_score":-0.17887636599071483,"num_words":47,"start":1014.79,"end":1037.185},{"sentences":[{"text":"Okay.","start":1039.7001,"end":1040.2001,"sentiment":"neutral","sentiment_score":-0.002677561715245247},{"text":"How would you feel if in six months after your first initial investment, you found out that your portfolio decreased by 20% due to the ups and downs of the investment market?","start":1040.34,"end":1051.24,"sentiment":"neutral","sentiment_score":-0.18504947377368808},{"text":"Would you, one, invest more for growth, invest modestly for growth, hold and wait for improvement, shift your assets to more defensive type assets, or convert to cash?","start":1051.695,"end":1065.27,"sentiment":"neutral","sentiment_score":-0.09664245628352676},{"text":"Yep.","start":1070.39,"end":1070.89,"sentiment":"neutral","sentiment_score":0.10992035269737244},{"text":"What kind of return do you expect to get in the long term from your investment?","start":1073.51,"end":1077.21,"sentiment":"neutral","sentiment_score":0.14349132869392633}],"sentiment":"neutral","sentiment_score":-0.07980087034117717,"num_words":78,"start":1039.7001,"end":1077.21},{"sentences":[{"text":"8% or above, six to 8%, four to six, or two to four?","start":1078.0851,"end":1083.0651,"sentiment":"neutral","sentiment_score":0.03798998720370806},{"text":"Yep.","start":1085.605,"end":1086.105,"sentiment":"neutral","sentiment_score":0.1509772688150406},{"text":"Beautiful.","start":1086.165,"end":1086.665,"sentiment":"positive","sentiment_score":0.5000388622283936},{"text":"Have your investments, including superannuation, ever dropped in value, and how did it make you feel?","start":1090.005,"end":1095.13,"sentiment":"neutral","sentiment_score":0.08188190311193466},{"text":"Were you optimistic about future investments or cautious with no further investments plans, concerned, or highly anxious, How much How much are you how much risk are you willing to take to get the return you want?","start":1095.59,"end":1125.28,"sentiment":"neutral","sentiment_score":-0.029760671729171597}],"sentiment":"neutral","sentiment_score":0.019909581772106534,"num_words":68,"start":1078.0851,"end":1125.28},{"sentences":[{"text":"So max return regardless of risk, high risk for big returns, moderate risk for good returns, minimal risk slight returns, or safety first?","start":1125.58,"end":1136.335,"sentiment":"neutral","sentiment_score":0.0674453781026861},{"text":"Moderate.","start":1138.5549,"end":1139.0549,"sentiment":"neutral","sentiment_score":0.045273881405591965},{"text":"Yep.","start":1139.2749,"end":1139.7749,"sentiment":"neutral","sentiment_score":0.0764118954539299},{"text":"What kind of income do you expect to get net of to get from your investments in the future?","start":1142.5549,"end":1148.815,"sentiment":"neutral","sentiment_score":0.07548791326974567},{"text":"So an example would be is capital growth is the share price increasing over time, so from $10 to $20 in price.","start":1149.8301,"end":1159.21,"sentiment":"neutral","sentiment_score":0.05172948657789014}],"sentiment":"neutral","sentiment_score":0.06432194742515232,"num_words":66,"start":1125.58,"end":1159.21},{"sentences":[{"text":"And an example of the dividend that you get from holding the share.","start":1160.0701,"end":1165.385,"sentiment":"neutral","sentiment_score":0.03710752152479612},{"text":"So would you expect capital growth only with no income?","start":1165.925,"end":1169.9451,"sentiment":"neutral","sentiment_score":0.004465490020811558},{"text":"So we're talking about your your super here.","start":1170.0851,"end":1172.5851,"sentiment":"neutral","sentiment_score":0.01275892643025145},{"text":"Minimal minimal income, mostly capital growth.","start":1173.4451,"end":1176.55,"sentiment":"neutral","sentiment_score":-0.03580083232372999},{"text":"Balance combination of two, high income with some capital or or income, no capital.","start":1177.3301,"end":1183.8301,"sentiment":"neutral","sentiment_score":-0.006256417637424809}],"sentiment":"neutral","sentiment_score":0.006406455894238224,"num_words":51,"start":1160.0701,"end":1183.8301},{"sentences":[{"text":"Yep.","start":1187.25,"end":1187.75,"sentiment":"neutral","sentiment_score":0.026622911915183067},{"text":"And have you ever thought about taking out money alone to invest?","start":1190.965,"end":1195.705,"sentiment":"neutral","sentiment_score":-0.01218233909457922},{"text":"Nope.","start":1198.645,"end":1199.145,"sentiment":"neutral","sentiment_score":-0.1513565629720688},{"text":"So that answers one part of the question.","start":1200.725,"end":1202.485,"sentiment":"neutral","sentiment_score":-0.05155432876199484},{"text":"The next part of the question would be, would you be open to borrowing for shares or funds, open to borrowing for an investment property, or open to borrowing for your own home only?","start":1202.485,"end":1213.02,"sentiment":"neutral","sentiment_score":0.009847875794067103}],"sentiment":"neutral","sentiment_score":-0.006223724523027029,"num_words":56,"start":1187.25,"end":1213.02},{"sentences":[{"text":"Mhmm.","start":1222.175,"end":1222.675,"sentiment":"neutral","sentiment_score":0.012295587919652462},{"text":"Yep.","start":1226.655,"end":1226.975,"sentiment":"neutral","sentiment_score":0.1116495132446289},{"text":"So an investment property as well as a home your own home?","start":1226.975,"end":1230.595,"sentiment":"neutral","sentiment_score":0.12021662667393684},{"text":"Yep.","start":1232.015,"end":1232.495,"sentiment":"neutral","sentiment_score":0.15438048541545868},{"text":"Okay.","start":1232.495,"end":1232.995,"sentiment":"neutral","sentiment_score":0.15376226603984833}],"sentiment":"neutral","sentiment_score":0.1171679607941769,"num_words":16,"start":1222.175,"end":1232.995},{"sentences":[{"text":"And then thinking about your last answer, how would taking a loan to invest make you feel comfortable borrowing for investment, aware of the risks, somewhat comfortable, cautious of the risks, careful with borrowing, understanding its risks, hesitant to borrow, wary of high risks, or worried about your borrowing due to significant risks.","start":1233.87,"end":1257.105,"sentiment":"neutral","sentiment_score":0.031486698619599615},{"text":"Yep.","start":1260.125,"end":1260.625,"sentiment":"positive","sentiment_score":0.34336715936660767},{"text":"Beautiful.","start":1260.845,"end":1261.345,"sentiment":"positive","sentiment_score":0.5560422539710999},{"text":"That's the end of my interrogate interrogation.","start":1262.13,"end":1265.67,"sentiment":"neutral","sentiment_score":0.240720129438809},{"text":"So what that helps us understand is your, as I mentioned earlier, your risk tolerance.","start":1267.89,"end":1274.935,"sentiment":"neutral","sentiment_score":0.11957331200440725}],"sentiment":"neutral","sentiment_score":0.07853045488719816,"num_words":77,"start":1233.87,"end":1274.935},{"sentences":[{"text":"So what you have essentially, what it tells us is a risk profile.","start":1274.935,"end":1279.655,"sentiment":"neutral","sentiment_score":0.01753818430006504},{"text":"Now what we're gonna talk about briefly is what that is, what it means, and whether you are comfortable to proceed with that if we look at your superannuation as an investment.","start":1279.655,"end":1292.32,"sentiment":"neutral","sentiment_score":0.04851540399249643},{"text":"So you're you've come out as a growth investor, which means that, typically, we would have an 80% allocation to growth assets being shares, national international and Australian, and property.","start":1293.0199,"end":1307.485,"sentiment":"neutral","sentiment_score":0.059435113643606506},{"text":"So, property funds.","start":1307.625,"end":1309.245,"sentiment":"neutral","sentiment_score":0.03801823407411575},{"text":"And you'd then have typically 20% allocated to your defensive income producing assets, which would be fixed interest, cash components, bonds, and those types of things.","start":1309.625,"end":1323.21,"sentiment":"neutral","sentiment_score":0.05003211260415041}],"sentiment":"neutral","sentiment_score":0.04786954195095369,"num_words":104,"start":1274.935,"end":1323.21},{"sentences":[{"text":"The expected return in a growth portfolio averages between seven to 9% gross of fees, and the expected volatility within a growth portfolio could be plus or negative 11% depending on the year.","start":1324.79,"end":1342.2949,"sentiment":"neutral","sentiment_score":-0.13198132000186227},{"text":"So that's the variance minimum suggested time frame, so this is to withstand those negative returns, is at least six years.","start":1342.7549,"end":1361.4349,"sentiment":"neutral","sentiment_score":-0.12024559027382306},{"text":"So given that oh oh gosh.","start":1363.015,"end":1367.015,"sentiment":"neutral","sentiment_score":-0.12164865806698799},{"text":"My calculator my keyboard's not working.","start":1367.015,"end":1370.635,"sentiment":"neutral","sentiment_score":-0.26311836888392764},{"text":"Given that you're, what, 31?","start":1372.53,"end":1378.7101,"sentiment":"neutral","sentiment_score":-0.07367764189839363}],"sentiment":"neutral","sentiment_score":-0.13461311728181974,"num_words":71,"start":1324.79,"end":1378.7101},{"sentences":[{"text":"Is that right?","start":1378.77,"end":1379.67,"sentiment":"neutral","sentiment_score":-0.04018596559762955},{"text":"Doing math in my head, Chris.","start":1379.81,"end":1381.49,"sentiment":"neutral","sentiment_score":-0.04688574839383364},{"text":"32.","start":1381.49,"end":1382.31,"sentiment":"neutral","sentiment_score":-0.021102312952280045},{"text":"So you've got twenty eight years until you can access super based on today's legislation.","start":1382.6901,"end":1388.0951,"sentiment":"neutral","sentiment_score":-0.11218904703855515},{"text":"Yes.","start":1389.8351,"end":1390.235,"sentiment":"neutral","sentiment_score":-0.04536725580692291}],"sentiment":"neutral","sentiment_score":-0.08273760236513156,"num_words":26,"start":1378.77,"end":1390.235},{"sentences":[{"text":"It is.","start":1390.235,"end":1390.9751,"sentiment":"neutral","sentiment_score":-0.0875595398247242},{"text":"The I know.","start":1393.115,"end":1396.0751,"sentiment":"neutral","sentiment_score":-0.10491366684436798},{"text":"I know.","start":1396.0751,"end":1396.8151,"sentiment":"neutral","sentiment_score":0.05073939822614193},{"text":"Goes quickly, though.","start":1397.275,"end":1398.415,"sentiment":"neutral","sentiment_score":0.18952293197313944},{"text":"It's the next one up from that is a high growth investor.","start":1399.6799,"end":1403.12,"sentiment":"neutral","sentiment_score":0.3062310293316841}],"sentiment":"neutral","sentiment_score":0.1752254483713345,"num_words":22,"start":1390.235,"end":1403.12},{"sentences":[{"text":"So the difference being is that it's a 10% split.","start":1403.12,"end":1407.2999,"sentiment":"neutral","sentiment_score":0.14837630465626717},{"text":"Your returns are expected to be between eight to 10%.","start":1408.72,"end":1412.5,"sentiment":"neutral","sentiment_score":0.04251931644976139},{"text":"The volatility expected could be anywhere between plus to negative 14%, and this is just standard statistics.","start":1413.165,"end":1420.785,"sentiment":"neutral","sentiment_score":-0.19377965436262243},{"text":"And the likelihood of a negative return, the same with gross, is one in every five years with a minimum time frame of at least eight years.","start":1422.8451,"end":1431.6399,"sentiment":"neutral","sentiment_score":-0.30025830533769393},{"text":"I it and what the most important part of investing would be that, excuse me, you pass the sleep at night test.","start":1434.1799,"end":1444.0751,"sentiment":"positive","sentiment_score":0.4164015410298651}],"sentiment":"neutral","sentiment_score":-0.0038539331926162853,"num_words":86,"start":1403.12,"end":1444.0751},{"sentences":[{"text":"So you've got to be comfortable with your allocation and how it's it's structured for your the goals that you wanna achieve.","start":1444.0751,"end":1457.6499,"sentiment":"positive","sentiment_score":0.5210791230201721},{"text":"So if you're looking at growing your super to meet those income needs, it might be that initially we need to take a little bit more risk to, like, take so so I say a little bit more risk.","start":1457.6499,"end":1472.5851,"sentiment":"neutral","sentiment_score":0.02665003465536313},{"text":"Like, take a a a different risk profile, so maybe a high growth one to help work towards those achieving those goals, and then you'd taper off over time.","start":1472.5851,"end":1485.405,"sentiment":"neutral","sentiment_score":0.07330253411983621},{"text":"So it's it's about your comfort level given your your pretty much I'm just having a look.","start":1485.9451,"end":1495.7001,"sentiment":"neutral","sentiment_score":0.1125307646306122},{"text":"Your I'm just having a look.","start":1497.68,"end":1502.645,"sentiment":"neutral","sentiment_score":0.04284935879210631}],"sentiment":"neutral","sentiment_score":0.14866358140664818,"num_words":113,"start":1444.0751,"end":1502.645},{"sentences":[{"text":"Excuse me.","start":1509.745,"end":1510.7251,"sentiment":"neutral","sentiment_score":-0.07496066391468048},{"text":"You're at the bottom.","start":1520.16,"end":1521.2201,"sentiment":"neutral","sentiment_score":-0.0038809808902442455},{"text":"One more number, and you would have been a a so growth starts from an about a questionnaire total of 31 to 35.","start":1522.2401,"end":1532.1749,"sentiment":"neutral","sentiment_score":0.04133499842946944},{"text":"A high growth is 25 to 30.","start":1532.1749,"end":1534.755,"sentiment":"neutral","sentiment_score":0.13738738213266646},{"text":"You scored 31.","start":1535.1349,"end":1536.4149,"sentiment":"neutral","sentiment_score":0.13032969584067663}],"sentiment":"neutral","sentiment_score":0.05481949935738857,"num_words":39,"start":1509.745,"end":1536.4149},{"sentences":[{"text":"So you're literally on the the of high growth and a growth investor.","start":1536.4149,"end":1542.82,"sentiment":"neutral","sentiment_score":0.27198588045743793},{"text":"So it really comes down to your your preference and your sorry.","start":1544.5599,"end":1554.6599,"sentiment":"neutral","sentiment_score":0.033830469474196434},{"text":"It really comes down to your preference as to whether you wanted to I I think personally recommending wise based on a superannuation fund, You could take a high growth approach given your time and also the fact that you're one number away from being a high growth risk profile anyway.","start":1554.9049,"end":1577.37,"sentiment":"neutral","sentiment_score":-0.0057759071682013715},{"text":"So I think you're under and given the fact that you have answered that you've had shares in the past, you understand loan and debt for investment purposes from property.","start":1577.37,"end":1589.0549,"sentiment":"neutral","sentiment_score":0.1439481275777022},{"text":"I think you're financially astute enough to understand the the risk to first reward.","start":1589.0549,"end":1595.395,"sentiment":"neutral","sentiment_score":0.24455079782221997}],"sentiment":"neutral","sentiment_score":0.09491138175750773,"num_words":120,"start":1536.4149,"end":1595.395},{"sentences":[{"text":"So I would probably recommend a high growth portfolio based on that.","start":1596.87,"end":1605.8301,"sentiment":"neutral","sentiment_score":0.3108072876930237},{"text":"But, again, I'm I take your direction.","start":1605.8301,"end":1608.79,"sentiment":"neutral","sentiment_score":0.320481966648783},{"text":"If you're more comfortable starting with an eighty twenty allocation and reviewing over time, that's a 100% okay also.","start":1608.79,"end":1616.865,"sentiment":"positive","sentiment_score":0.4923329423916967},{"text":"Beautiful.","start":1620.125,"end":1620.625,"sentiment":"positive","sentiment_score":0.772260308265686},{"text":"So what I'm going to do also is just go back to the goals.","start":1622.365,"end":1626.7051,"sentiment":"positive","sentiment_score":0.3879678100347519}],"sentiment":"positive","sentiment_score":0.40624899571796635,"num_words":53,"start":1596.87,"end":1626.7051},{"sentences":[{"text":"I just wanted to revisit one section.","start":1627.98,"end":1630.3201,"sentiment":"neutral","sentiment_score":0.16946472227573395},{"text":"You said that you were a single mom wanting to set up for your daughter for uni, those types of things.","start":1632.38,"end":1640.56,"sentiment":"neutral","sentiment_score":0.13758983303393638},{"text":"Is that something that you wanna start doing now as well?","start":1641.9,"end":1646.175,"sentiment":"neutral","sentiment_score":0.15906455503268677},{"text":"Like a savings?","start":1647.275,"end":1648.255,"sentiment":"neutral","sentiment_score":0.03984304207066695},{"text":"Yep.","start":1649.515,"end":1650.015,"sentiment":"neutral","sentiment_score":0.10157400369644164}],"sentiment":"neutral","sentiment_score":0.14061518104443715,"num_words":43,"start":1627.98,"end":1650.015},{"sentences":[{"text":"Yep.","start":1655.29,"end":1655.79,"sentiment":"neutral","sentiment_score":0.13278105854988098},{"text":"Yep.","start":1666.25,"end":1666.75,"sentiment":"neutral","sentiment_score":0.09252603352069856},{"text":"Yep.","start":1671.785,"end":1672.285,"sentiment":"neutral","sentiment_score":0.0843210443854332},{"text":"Mhmm.","start":1674.905,"end":1675.405,"sentiment":"neutral","sentiment_score":0.007576958276331425},{"text":"Yep.","start":1680.5851,"end":1680.78,"sentiment":"neutral","sentiment_score":0.09036042541265488}],"sentiment":"neutral","sentiment_score":0.0815131040289998,"num_words":5,"start":1655.29,"end":1680.78},{"sentences":[{"text":"Yeah.","start":1686.78,"end":1687.02,"sentiment":"neutral","sentiment_score":0.009035157039761543},{"text":"And have you just been doing a savings account for that?","start":1687.02,"end":1690.3201,"sentiment":"neutral","sentiment_score":0.029005468569018623},{"text":"Yep.","start":1694.38,"end":1694.565,"sentiment":"neutral","sentiment_score":0.09862758964300156},{"text":"Yep.","start":1696.1649,"end":1696.6649,"sentiment":"neutral","sentiment_score":0.11438114941120148},{"text":"Yep.","start":1698.965,"end":1699.125,"sentiment":"neutral","sentiment_score":0.07905934005975723}],"sentiment":"neutral","sentiment_score":0.04134422602752844,"num_words":15,"start":1686.78,"end":1699.125},{"sentences":[{"text":"Okay.","start":1699.125,"end":1699.625,"sentiment":"neutral","sentiment_score":0.06275567412376404},{"text":"And do you put how much per week do you put into that or fortnight?","start":1699.9249,"end":1705.625,"sentiment":"neutral","sentiment_score":0.041208111494779584},{"text":"Okay.","start":1711.7799,"end":1712.2799,"sentiment":"neutral","sentiment_score":0.05616535618901253},{"text":"And do you know what the balance of your savings account is?","start":1712.4199,"end":1715.1599,"sentiment":"neutral","sentiment_score":0.033077382327367864},{"text":"Yep.","start":1718.1799,"end":1718.6799,"sentiment":"neutral","sentiment_score":0.0288332924246788}],"sentiment":"neutral","sentiment_score":0.03876015276958545,"num_words":30,"start":1699.125,"end":1718.6799},{"sentences":[{"text":"That's okay.","start":1718.74,"end":1719.5599,"sentiment":"neutral","sentiment_score":0.05174232646822929},{"text":"Yeah.","start":1720.82,"end":1721.2999,"sentiment":"neutral","sentiment_score":0.03142135590314865},{"text":"No.","start":1721.2999,"end":1721.5399,"sentiment":"neutral","sentiment_score":-0.010986965149641035},{"text":"That's alright.","start":1721.5399,"end":1722.2799,"sentiment":"neutral","sentiment_score":0.02761163841933012},{"text":"The the reason I asked that is there are investment options available for you that you can invest in.","start":1722.5549,"end":1730.975,"sentiment":"neutral","sentiment_score":0.10032053487865548}],"sentiment":"neutral","sentiment_score":0.08340929932892323,"num_words":25,"start":1718.74,"end":1730.975},{"sentences":[{"text":"The minimum investment is, I think, starting balance is a thousand dollars, and you can continue making regular investments.","start":1731.595,"end":1738.76,"sentiment":"neutral","sentiment_score":0.25809141130823837},{"text":"The benefit of those is particularly in ten years' time, which would be probably around the time she may be looking at.","start":1740.18,"end":1750.755,"sentiment":"positive","sentiment_score":0.4334787902506915},{"text":"I mean, she would have finished high school.","start":1750.755,"end":1752.535,"sentiment":"neutral","sentiment_score":0.17401175200939178},{"text":"Not sure.","start":1754.435,"end":1755.155,"sentiment":"neutral","sentiment_score":-0.018890200182795525},{"text":"But in ten years' time, what the type of insurance type of investment it is is that it's at it's called tax paid.","start":1755.155,"end":1764.3201,"sentiment":"neutral","sentiment_score":-0.010543519226105316}],"sentiment":"neutral","sentiment_score":0.21016328207947113,"num_words":74,"start":1731.595,"end":1764.3201},{"sentences":[{"text":"So in ten years, you would withdraw it, and it is no tax payable on it.","start":1764.3201,"end":1770.64,"sentiment":"neutral","sentiment_score":0.03303098073229194},{"text":"No capital gains or anything like that because it's all taxed internally whilst invested.","start":1770.64,"end":1777.555,"sentiment":"neutral","sentiment_score":-0.09973159871463265},{"text":"That's yeah.","start":1778.975,"end":1780.595,"sentiment":"neutral","sentiment_score":0.09379179775714874},{"text":"Yeah.","start":1781.135,"end":1781.535,"sentiment":"neutral","sentiment_score":0.1332041621208191},{"text":"So that is an option whether you're ready to do it now or whether you're ready to do it down the track, but that's something that we can look at also.","start":1781.535,"end":1790.2,"sentiment":"neutral","sentiment_score":0.106422049143622}],"sentiment":"neutral","sentiment_score":0.043001946731237695,"num_words":64,"start":1764.3201,"end":1790.2},{"sentences":[{"text":"And do you think that would be something more down the track?","start":1790.98,"end":1793.48,"sentiment":"neutral","sentiment_score":-0.09328129204610984},{"text":"Yeah.","start":1799.2999,"end":1799.7799,"sentiment":"neutral","sentiment_score":0.0917106717824936},{"text":"Always.","start":1799.7799,"end":1800.2799,"sentiment":"neutral","sentiment_score":0.12288978695869446},{"text":"Okay.","start":1802.6599,"end":1803.1599,"sentiment":"neutral","sentiment_score":0.07264745235443115},{"text":"The other question I just need to run through with you is from the insurance side of things.","start":1805.115,"end":1810.975,"sentiment":"neutral","sentiment_score":-0.027536274658309087}],"sentiment":"neutral","sentiment_score":-0.04023577385779583,"num_words":33,"start":1790.98,"end":1810.975},{"sentences":[{"text":"I'll just explain quickly the types of insurance that are available.","start":1811.0349,"end":1815.455,"sentiment":"neutral","sentiment_score":0.012151354415850206},{"text":"There is life insurance, which is self payable to your beneficiary, plus would make sure that we'd have one set up.","start":1816.235,"end":1836.265,"sentiment":"neutral","sentiment_score":0.002575590851761046},{"text":"And then your TPD insurance, which is total and permanent disablement, is a payment that is exactly that.","start":1838.165,"end":1848.025,"sentiment":"neutral","sentiment_score":-0.08843320277002123},{"text":"If you're totally and permanently disabled and deemed not to be able to return to work in an occupation that you are trained or appropriately trained or educated in.","start":1848.5901,"end":1859.17,"sentiment":"neutral","sentiment_score":-0.1933339906149897},{"text":"So if you think of TPD is a worst case scenario, so it might be, for example, you're in a car accident yesterday and you've lost the ability to use your your hands or your arms, therefore, you're not able to drive to work work your role, those types of things.","start":1861.855,"end":1889.3949,"sentiment":"neutral","sentiment_score":-0.1887068904790224}],"sentiment":"neutral","sentiment_score":-0.12795986527433761,"num_words":130,"start":1811.0349,"end":1889.3949},{"sentences":[{"text":"Yep.","start":1889.7749,"end":1890.2749,"sentiment":"neutral","sentiment_score":0.08433882892131805},{"text":"The other the other type of policy is a income protection policy, which is the one you're alluding to before being a single mom.","start":1890.975,"end":1898.815,"sentiment":"neutral","sentiment_score":-0.0020955029564599203},{"text":"If anything happens to you and you're unable to work, that is that will cover you in the event that you're unable to work due to injury or illness.","start":1898.815,"end":1908.67,"sentiment":"neutral","sentiment_score":-0.19236868517152195},{"text":"It doesn't cover unemployment or anything like that.","start":1909.45,"end":1912.59,"sentiment":"negative","sentiment_score":-0.3579837493598461},{"text":"It's just injury or illness.","start":1912.73,"end":1914.35,"sentiment":"neutral","sentiment_score":-0.09671305567026138}],"sentiment":"neutral","sentiment_score":-0.1327176176901184,"num_words":67,"start":1889.7749,"end":1914.35},{"sentences":[{"text":"And what it does cover is it will cover 70% of your taxable income.","start":1914.915,"end":1920.995,"sentiment":"neutral","sentiment_score":0.10887594946793147},{"text":"So 70% of the $82,000 that you earn annually, and it's paid monthly.","start":1920.995,"end":1927.895,"sentiment":"neutral","sentiment_score":0.09569223024524175},{"text":"And there are two variances to that.","start":1928.13,"end":1931.75,"sentiment":"neutral","sentiment_score":-0.07818899516548429},{"text":"There's something that we call a waiting period and then something that we call a benefit period.","start":1932.37,"end":1937.91,"sentiment":"neutral","sentiment_score":-0.052751771448289644},{"text":"So the easiest way I like to explain it is is a waiting period is similar to an excess on your current insurance policy.","start":1938.05,"end":1944.495,"sentiment":"neutral","sentiment_score":-0.03688901041944822}],"sentiment":"neutral","sentiment_score":0.005850972731908163,"num_words":75,"start":1914.915,"end":1944.495},{"sentences":[{"text":"It's the number of days you've gotta wait until you're eligible to begin being paid.","start":1944.875,"end":1951.375,"sentiment":"neutral","sentiment_score":-0.0315455285521845},{"text":"And that varies between insurers from thirty days to sixty days, ninety days, and and it can continue up from there.","start":1952.635,"end":1960.4501,"sentiment":"neutral","sentiment_score":-0.0198361420383056},{"text":"The benefit period is the number the period of time you're you're eligible to be paid for.","start":1962.03,"end":1972.8251,"sentiment":"neutral","sentiment_score":0.052014952635063845},{"text":"So it can be two years, five years, to age 65, depending on how we structure the policy.","start":1973.285,"end":1980.9851,"sentiment":"neutral","sentiment_score":0.06285669551127487},{"text":"So for example, even if you had a five year benefit period, that doesn't mean that you would just be on claim for five years.","start":1982.5651,"end":1991.3099,"sentiment":"neutral","sentiment_score":-0.00037459328770637527}],"sentiment":"neutral","sentiment_score":0.011630916361658214,"num_words":96,"start":1944.875,"end":1991.3099},{"sentences":[{"text":"It's only until your doctor says that you're fit to return to work.","start":1991.3099,"end":1997.725,"sentiment":"neutral","sentiment_score":-0.06318908547445272},{"text":"So for example, you I'll use my husband as an example.","start":1997.725,"end":2002.5449,"sentiment":"neutral","sentiment_score":0.008305639197880571},{"text":"He has an income protection policy.","start":2002.845,"end":2004.6849,"sentiment":"neutral","sentiment_score":-0.029165179158250492},{"text":"He was injured last year in an accident, and he was off work for four months.","start":2004.6849,"end":2011.9049,"sentiment":"neutral","sentiment_score":-0.20470939972437918},{"text":"He had a thirty day waiting period.","start":2013.18,"end":2014.9601,"sentiment":"neutral","sentiment_score":-0.1584006313766752}],"sentiment":"neutral","sentiment_score":-0.09979701830504709,"num_words":53,"start":1991.3099,"end":2014.9601},{"sentences":[{"text":"So the first thirty days was no income.","start":2015.42,"end":2017.8401,"sentiment":"neutral","sentiment_score":-0.24493778310716152},{"text":"He had a little bit of sick leave that covered him during that thirty days.","start":2018.62,"end":2022.14,"sentiment":"neutral","sentiment_score":-0.25413822730382285},{"text":"We had to use savings, etcetera.","start":2022.14,"end":2024.16,"sentiment":"neutral","sentiment_score":-0.11458829914530118},{"text":"And then after that, he was paid for the three months while on claim.","start":2024.78,"end":2029.195,"sentiment":"neutral","sentiment_score":-0.12272513072405543},{"text":"So after he recovered, he was cleared to go back to work.","start":2029.655,"end":2032.695,"sentiment":"neutral","sentiment_score":-0.09643629379570484}],"sentiment":"neutral","sentiment_score":-0.16971805136312137,"num_words":55,"start":2015.42,"end":2032.695},{"sentences":[{"text":"So if he wasn't cleared to go back to work and his injury was gonna take a lot longer, the maximum time that he would have been able to be on claim for is five years because that was his benefit period.","start":2032.695,"end":2046.38,"sentiment":"neutral","sentiment_score":-0.31424944989738013},{"text":"So that's how those two work.","start":2046.38,"end":2048.0,"sentiment":"neutral","sentiment_score":0.01695984477798144},{"text":"The very last policy is trauma insurance.","start":2049.18,"end":2051.8398,"sentiment":"neutral","sentiment_score":-0.2443443728344781},{"text":"Oh, sorry.","start":2052.7,"end":2053.18,"sentiment":"neutral","sentiment_score":-0.17061367630958557},{"text":"Before I go ahead.","start":2053.18,"end":2054.245,"sentiment":"neutral","sentiment_score":-0.09779511392116547}],"sentiment":"neutral","sentiment_score":-0.25474649582241404,"num_words":61,"start":2032.695,"end":2054.245},{"sentences":[{"text":"So life, TPD, and income protection can be funded between from your superannuation funds as to not impact your personal cash flow.","start":2054.385,"end":2063.445,"sentiment":"neutral","sentiment_score":0.046341953545131466},{"text":"But the other thing we do look at is the cost of those covers and how the long term effect of that will impact your super fund.","start":2063.5051,"end":2069.73,"sentiment":"neutral","sentiment_score":0.002265616285580176},{"text":"So it's a catch 22, so we look at both as an option.","start":2069.73,"end":2073.75,"sentiment":"neutral","sentiment_score":0.05562279745936394},{"text":"And then the last policy that's available is one that's called trauma, and it's a lump sum tax free payment in the event that you're diagnosed with a critical illness.","start":2075.73,"end":2087.615,"sentiment":"neutral","sentiment_score":0.025436325805882613},{"text":"So most trauma policies are approximately about 42 illnesses that you need you if you are diagnosed with, you'll receive a lump sum payment.","start":2087.615,"end":2096.115,"sentiment":"neutral","sentiment_score":0.006920843074719111}],"sentiment":"neutral","sentiment_score":0.023560180971077805,"num_words":116,"start":2054.385,"end":2096.115},{"sentences":[{"text":"The severity depends on the insurance company, and they range from cancer, stroke, heart attack, neurological diseases.","start":2096.6,"end":2104.86,"sentiment":"neutral","sentiment_score":-0.06528085908469032},{"text":"And the reason why that policy that claim would be tax free is because that is actually paid out of your personal cash flow.","start":2106.76,"end":2113.925,"sentiment":"neutral","sentiment_score":0.08206827193498611},{"text":"It cannot be funded through super.","start":2113.925,"end":2115.9448,"sentiment":"neutral","sentiment_score":-0.08299343101680279},{"text":"So it's kind of a gap between your TPD and your income protection cover because, likely, you will return because likely, you will return to work and you will recover with those types of events.","start":2116.4849,"end":2129.74,"sentiment":"neutral","sentiment_score":0.06415309767637933},{"text":"The likelihood is that you would recover.","start":2129.96,"end":2131.98,"sentiment":"neutral","sentiment_score":0.26523598602839876}],"sentiment":"neutral","sentiment_score":0.050156333222148124,"num_words":89,"start":2096.6,"end":2131.98},{"sentences":[{"text":"It's just to give you some funds in the meantime to not have to worry about financial stress while you're recovering from health a health situation.","start":2132.76,"end":2144.0251,"sentiment":"neutral","sentiment_score":0.1146026341101298},{"text":"So they're the types of covers that are available.","start":2144.245,"end":2146.5852,"sentiment":"neutral","sentiment_score":-0.004083389726777871},{"text":"Out of those, what are you thinking, those types of covers?","start":2148.725,"end":2154.83,"sentiment":"neutral","sentiment_score":-0.016798748888752678},{"text":"Yep.","start":2166.315,"end":2166.4749,"sentiment":"neutral","sentiment_score":0.17218266427516937},{"text":"Beautiful.","start":2166.4749,"end":2166.9749,"sentiment":"positive","sentiment_score":0.3575173616409302}],"sentiment":"neutral","sentiment_score":0.06849649515546237,"num_words":48,"start":2132.76,"end":2166.9749},{"sentences":[{"text":"So in the event the income protection's easy to figure out from a sum insured point of view.","start":2167.835,"end":2173.195,"sentiment":"neutral","sentiment_score":0.07060529602070649},{"text":"But what about from a waiting period yeah.","start":2173.195,"end":2176.315,"sentiment":"neutral","sentiment_score":-0.019181695533916354},{"text":"Waiting period and benefit period?","start":2176.315,"end":2177.835,"sentiment":"neutral","sentiment_score":-0.015069725178182124},{"text":"What would you think is it for a waiting period, is it the shorter, the better?","start":2177.835,"end":2182.76,"sentiment":"neutral","sentiment_score":-0.02499508287291974},{"text":"Can you do you have funds to cover you for a bit longer?","start":2183.22,"end":2185.8801,"sentiment":"neutral","sentiment_score":-0.03235037094698502}],"sentiment":"neutral","sentiment_score":0.003693616498882572,"num_words":60,"start":2167.835,"end":2185.8801},{"sentences":[{"text":"So that's the yep.","start":2188.74,"end":2196.44,"sentiment":"neutral","sentiment_score":0.03028367583920044},{"text":"Fantastic.","start":2196.9548,"end":2197.4548,"sentiment":"positive","sentiment_score":0.4525686502456665},{"text":"And with the benefit period, typically, in super, we'd look at five years because it would be disability.","start":2197.6748,"end":2209.79,"sentiment":"neutral","sentiment_score":0.054355828712383904},{"text":"But what let me play with that.","start":2209.85,"end":2212.35,"sentiment":"neutral","sentiment_score":-0.0323177661214556},{"text":"Would you be comfortable with five years, or would you like longer?","start":2213.61,"end":2216.6702,"sentiment":"neutral","sentiment_score":0.024997677343587082}],"sentiment":"neutral","sentiment_score":0.0387108579928151,"num_words":42,"start":2188.74,"end":2216.6702},{"sentences":[{"text":"Yeah.","start":2218.8901,"end":2219.29,"sentiment":"neutral","sentiment_score":0.0997195839881897},{"text":"Five years.","start":2219.29,"end":2220.01,"sentiment":"neutral","sentiment_score":0.09691156819462776},{"text":"Yep.","start":2220.01,"end":2220.4102,"sentiment":"neutral","sentiment_score":0.2032245248556137},{"text":"Okay.","start":2220.4102,"end":2220.9102,"sentiment":"neutral","sentiment_score":0.2290748655796051},{"text":"With your life and TPD, I'm just gonna ask a couple of quick questions that will help me look at some insured.","start":2221.45,"end":2226.9949,"sentiment":"neutral","sentiment_score":0.2127025161277164}],"sentiment":"neutral","sentiment_score":0.20019620243046019,"num_words":27,"start":2218.8901,"end":2226.9949},{"sentences":[{"text":"When you look at I guess, first of all, you mentioned you wanna make sure anything that happens to your daughter, it's it's covered.","start":2230.575,"end":2241.8298,"sentiment":"neutral","sentiment_score":0.13795231562107801},{"text":"Is you mentioned university life costs, etcetera.","start":2242.45,"end":2246.47,"sentiment":"neutral","sentiment_score":0.04605924550976072},{"text":"Is there funds there that you'd want available for her to be able to purchase a house, live in a house?","start":2249.0898,"end":2256.0552,"sentiment":"neutral","sentiment_score":0.1026478356548718},{"text":"I mean, let's say she's age 15 and the worst case scenario happens.","start":2256.0552,"end":2263.555,"sentiment":"neutral","sentiment_score":-0.008101229197703876},{"text":"What do you want for her to receive to make her life easier?","start":2263.935,"end":2269.4768,"sentiment":"neutral","sentiment_score":0.1787008883861395}],"sentiment":"neutral","sentiment_score":0.10264962066251498,"num_words":78,"start":2230.575,"end":2269.4768},{"sentences":[{"text":"It is, isn't it?","start":2269.6836,"end":2272.3037,"sentiment":"neutral","sentiment_score":-0.18244951590895653},{"text":"And it's not one as moms we like to think about.","start":2272.5105,"end":2280.0781,"sentiment":"neutral","sentiment_score":-0.016527280888774178},{"text":"Mhmm.","start":2280.285,"end":2280.785,"sentiment":"neutral","sentiment_score":0.0592375211417675},{"text":"Yep.","start":2290.4448,"end":2290.9448,"sentiment":"neutral","sentiment_score":0.08297699689865112},{"text":"Mhmm.","start":2295.9648,"end":2296.26,"sentiment":"neutral","sentiment_score":0.11241070926189424}],"sentiment":"neutral","sentiment_score":-0.03649849589500162,"num_words":18,"start":2269.6836,"end":2296.26},{"sentences":[{"text":"Okay.","start":2309.46,"end":2309.745,"sentiment":"neutral","sentiment_score":0.2747666835784912},{"text":"Okay.","start":2314.465,"end":2314.625,"sentiment":"neutral","sentiment_score":0.06909319758415222},{"text":"That's okay.","start":2314.625,"end":2315.445,"sentiment":"neutral","sentiment_score":0.13194354996085167},{"text":"So you'd like her to have be able to have a to purchase something to live in that she can call her own and give her that stability?","start":2315.5051,"end":2327.96,"sentiment":"neutral","sentiment_score":0.24862487560936383},{"text":"Yep.","start":2327.96,"end":2328.46,"sentiment":"neutral","sentiment_score":0.0949028953909874}],"sentiment":"neutral","sentiment_score":0.2322468604102279,"num_words":33,"start":2309.46,"end":2328.46},{"sentences":[{"text":"How much would you anticipate, I mean, based on where you live, if it was a little unit or a a townhouse that she could purchase.","start":2328.8398,"end":2338.4548,"sentiment":"neutral","sentiment_score":0.05114947904187899},{"text":"You know, she would probably live with family for a little bit until she's older and those sorts of things.","start":2338.515,"end":2343.895,"sentiment":"neutral","sentiment_score":0.03100461941212416},{"text":"But how much would you like for a based on today's dollars?","start":2345.155,"end":2348.915,"sentiment":"neutral","sentiment_score":0.02307554443056385},{"text":"And, again, it it's all based on Yep.","start":2348.915,"end":2372.725,"sentiment":"neutral","sentiment_score":0.03422952175606042},{"text":"Yep.","start":2374.625,"end":2375.125,"sentiment":"neutral","sentiment_score":0.1178685650229454}],"sentiment":"neutral","sentiment_score":0.03908343456073928,"num_words":67,"start":2328.8398,"end":2375.125},{"sentences":[{"text":"So 600 do you think 600,000, like, with stamp Judy, and all that would be okay?","start":2375.585,"end":2381.25,"sentiment":"neutral","sentiment_score":0.1665688157081604},{"text":"Yep.","start":2384.75,"end":2385.25,"sentiment":"neutral","sentiment_score":0.16258685290813446},{"text":"Did you wanna allow you mentioned nest egg.","start":2385.63,"end":2388.3499,"sentiment":"neutral","sentiment_score":0.09816862549632788},{"text":"Was there anything at an additional amount you wanted for her for education or a nest egg?","start":2388.3499,"end":2393.595,"sentiment":"neutral","sentiment_score":0.06050985744770836},{"text":"Yep.","start":2399.755,"end":2400.255,"sentiment":"neutral","sentiment_score":-0.026316020637750626}],"sentiment":"neutral","sentiment_score":0.10733461544610733,"num_words":43,"start":2375.585,"end":2400.255},{"sentences":[{"text":"Yep.","start":2405.435,"end":2405.935,"sentiment":"neutral","sentiment_score":0.21049349009990692},{"text":"Yeah.","start":2406.155,"end":2406.655,"sentiment":"positive","sentiment_score":0.3969615697860718},{"text":"Okay.","start":2406.875,"end":2407.375,"sentiment":"neutral","sentiment_score":0.18909594416618347},{"text":"And last but not least, if something was to happen to you yesterday and your mom or your dad or your sister or extended family were to look after her, How much in how much would it cost to pay for her education, her living expenses?","start":2408.46,"end":2430.635,"sentiment":"neutral","sentiment_score":0.02230203637610311},{"text":"Kind of like, how much would you like to allow your family members per annum roughly, and this is just we work backwards from here, to cover those expenses without there being an a financial impact strain on getting what your you want your daughter to have versus what your family members may be able to afford?","start":2431.655,"end":2451.1848,"sentiment":"neutral","sentiment_score":-0.08648143414604037}],"sentiment":"neutral","sentiment_score":-0.029311293103503732,"num_words":106,"start":2405.435,"end":2451.1848},{"sentences":[{"text":"Yeah.","start":2454.6848,"end":2455.1848,"sentiment":"neutral","sentiment_score":-0.11635922640562056},{"text":"Well well, you know, what we can do is we can actually start start by looking at your expenditure.","start":2456.9248,"end":2462.07,"sentiment":"neutral","sentiment_score":0.03317895512047567},{"text":"So if your expenditure is about $500 a week, how much of that do you think is goes towards your daughter?","start":2462.07,"end":2470.33,"sentiment":"neutral","sentiment_score":0.009440166964417412},{"text":"Like, living expense wise, so food, school.","start":2470.79,"end":2483.715,"sentiment":"neutral","sentiment_score":0.009564895581986223},{"text":"Mhmm.","start":2484.095,"end":2484.595,"sentiment":"neutral","sentiment_score":0.06014493852853775}],"sentiment":"neutral","sentiment_score":0.01713027825997192,"num_words":49,"start":2454.6848,"end":2484.595},{"sentences":[{"text":"Yep.","start":2486.815,"end":2487.18,"sentiment":"neutral","sentiment_score":0.12960004806518555},{"text":"Mhmm.","start":2492.46,"end":2492.96,"sentiment":"neutral","sentiment_score":0.045365024358034134},{"text":"Yep.","start":2498.3,"end":2498.6199,"sentiment":"neutral","sentiment_score":0.08977791666984558},{"text":"No.","start":2498.6199,"end":2498.94,"sentiment":"neutral","sentiment_score":0.060958292335271835},{"text":"That's fine.","start":2498.94,"end":2499.705,"sentiment":"neutral","sentiment_score":0.15383819118142128}],"sentiment":"neutral","sentiment_score":0.10556294396519661,"num_words":6,"start":2486.815,"end":2499.705},{"sentences":[{"text":"And with high school, should we be going to a private school or a public school?","start":2499.945,"end":2504.445,"sentiment":"neutral","sentiment_score":0.045768437325023115},{"text":"Mhmm.","start":2520.52,"end":2521.02,"sentiment":"neutral","sentiment_score":0.016636725515127182},{"text":"Okay.","start":2522.28,"end":2522.78,"sentiment":"neutral","sentiment_score":0.1959417164325714},{"text":"Beautiful.","start":2522.8398,"end":2523.3398,"sentiment":"positive","sentiment_score":0.43916183710098267},{"text":"Look.","start":2523.88,"end":2524.38,"sentiment":"neutral","sentiment_score":0.19443358480930328}],"sentiment":"neutral","sentiment_score":0.07892344305291772,"num_words":20,"start":2499.945,"end":2524.38},{"sentences":[{"text":"I can use some basic it's very hard to answer those questions.","start":2524.5999,"end":2527.935,"sentiment":"neutral","sentiment_score":-0.17370589450001717},{"text":"I know, and I'm sorry for asking a lot of questions.","start":2528.0151,"end":2531.075,"sentiment":"neutral","sentiment_score":-0.16579320349476553},{"text":"Yeah.","start":2533.7751,"end":2534.2751,"sentiment":"neutral","sentiment_score":0.027461422607302666},{"text":"It does.","start":2535.695,"end":2536.175,"sentiment":"neutral","sentiment_score":0.13137752190232277},{"text":"And I can use some basic statistical information that we have access to on those types of costs to look at to look at what an appropriate sum insured would be for those types of cover.","start":2536.175,"end":2552.9102,"sentiment":"neutral","sentiment_score":0.014648458196057213}],"sentiment":"neutral","sentiment_score":-0.049848951789880955,"num_words":62,"start":2524.5999,"end":2552.9102},{"sentences":[{"text":"Okay.","start":2555.05,"end":2555.4502,"sentiment":"neutral","sentiment_score":0.006500536575913429},{"text":"I've asked a lot of questions.","start":2555.4502,"end":2556.555,"sentiment":"neutral","sentiment_score":-0.00518977673103412},{"text":"Do you have any questions of me?","start":2556.7148,"end":2558.815,"sentiment":"neutral","sentiment_score":-0.012646405292408807},{"text":"Nope.","start":2565.275,"end":2565.595,"sentiment":"neutral","sentiment_score":-0.04845234006643295},{"text":"That's okay.","start":2565.595,"end":2566.335,"sentiment":"neutral","sentiment_score":-0.026049372740089893}],"sentiment":"neutral","sentiment_score":-0.012571414494339158,"num_words":17,"start":2555.05,"end":2566.335},{"sentences":[{"text":"Yep.","start":2567.915,"end":2568.415,"sentiment":"neutral","sentiment_score":0.08097051829099655},{"text":"Absolutely fine.","start":2568.4749,"end":2569.6948,"sentiment":"neutral","sentiment_score":0.14588753879070282},{"text":"So what I'm going to do now, I'm just trying to log in to a different screen.","start":2570.075,"end":2576.07,"sentiment":"neutral","sentiment_score":-0.05722639468662879},{"text":"It won't be a second.","start":2578.93,"end":2580.23,"sentiment":"neutral","sentiment_score":-0.12224741280078888},{"text":"I'm just gonna run oh, it's not working.","start":2580.85,"end":2583.19,"sentiment":"neutral","sentiment_score":-0.16680694371461868}],"sentiment":"neutral","sentiment_score":-0.07714532507639943,"num_words":33,"start":2567.915,"end":2583.19},{"sentences":[{"text":"There we go.","start":2583.25,"end":2584.23,"sentiment":"neutral","sentiment_score":-0.08307595054308574},{"text":"I'm going to run through our financial services guide.","start":2584.53,"end":2585.37,"sentiment":"neutral","sentiment_score":-0.03360153713987933},{"text":"It's just gonna get be able to meeting.","start":2585.37,"end":2597.605,"sentiment":"neutral","sentiment_score":-0.0006827600300312042},{"text":"It is is it I've been getting that a lot the last two days.","start":2599.185,"end":2608.3901,"sentiment":"neutral","sentiment_score":-0.10567314763154302},{"text":"I think it's my headset because I've been fiddling with the volume, and the volume seems I'm gonna turn it all the way up.","start":2608.3901,"end":2614.725,"sentiment":"neutral","sentiment_score":-0.15791544007758299}],"sentiment":"neutral","sentiment_score":-0.10045686887641406,"num_words":58,"start":2583.25,"end":2614.725},{"sentences":[{"text":"Is that a bit better?","start":2614.725,"end":2615.945,"sentiment":"neutral","sentiment_score":-0.08145682215690613},{"text":"Okay.","start":2622.485,"end":2622.985,"sentiment":"neutral","sentiment_score":0.0020527029410004616},{"text":"Well, I'm definitely not doing that.","start":2623.125,"end":2624.725,"sentiment":"neutral","sentiment_score":-0.2432717407743136},{"text":"Sorry.","start":2624.725,"end":2625.225,"sentiment":"neutral","sentiment_score":-0.15389862656593323},{"text":"No.","start":2627.0452,"end":2627.5452,"sentiment":"neutral","sentiment_score":-0.07393291592597961}],"sentiment":"neutral","sentiment_score":-0.1494780996415232,"num_words":14,"start":2614.725,"end":2627.5452},{"sentences":[{"text":"Not unfortunately, no.","start":2627.5652,"end":2629.145,"sentiment":"neutral","sentiment_score":-0.12067437916994095},{"text":"No.","start":2629.9102,"end":2630.2969,"sentiment":"neutral","sentiment_score":-0.12392200529575348},{"text":"Not a unfortunately, no.","start":2630.2969,"end":2632.23,"sentiment":"neutral","sentiment_score":-0.12754136137664318},{"text":"Okay.","start":2632.23,"end":2632.6301,"sentiment":"neutral","sentiment_score":-0.02143912762403488},{"text":"So to go with our to go I'm gonna run through our fee structure and how it typically works.","start":2632.6301,"end":2640.8901,"sentiment":"neutral","sentiment_score":0.007297458127140999}],"sentiment":"neutral","sentiment_score":-0.03138921469716089,"num_words":28,"start":2627.5652,"end":2640.8901},{"sentences":[{"text":"So the there's a there's two fees.","start":2642.07,"end":2645.805,"sentiment":"neutral","sentiment_score":-0.0003094423695334366},{"text":"There's the initial fee for the advice and the ongoing fee.","start":2645.805,"end":2650.385,"sentiment":"neutral","sentiment_score":0.0056043895046142015},{"text":"The ongoing fee is set at 1.65% per annum of your funds under management.","start":2650.845,"end":2656.625,"sentiment":"neutral","sentiment_score":0.009201897640845605},{"text":"So that's based on your balance today.","start":2656.765,"end":2659.99,"sentiment":"neutral","sentiment_score":0.0210906629051481},{"text":"If you were to do an investment bond as we talked about earlier, I referenced, that same fee would be applicable to your bond as well.","start":2660.53,"end":2671.03,"sentiment":"neutral","sentiment_score":0.03763219535064239}],"sentiment":"neutral","sentiment_score":0.020221238067516915,"num_words":65,"start":2642.07,"end":2671.03},{"sentences":[{"text":"That cove the ongoing fee covers your ongoing annual reviews or your review frequency depending on what one you select.","start":2671.7751,"end":2682.195,"sentiment":"neutral","sentiment_score":0.049644646048545835},{"text":"It will cover any questions that you have, any touch points.","start":2683.0552,"end":2687.18,"sentiment":"neutral","sentiment_score":0.09579372135075656},{"text":"So you're not limited in contacting us for any concerns, questions, or updates that you wanna receive.","start":2687.18,"end":2692.88,"sentiment":"neutral","sentiment_score":0.08732333910815857},{"text":"That's what your ongoing fee covers us for.","start":2693.18,"end":2695.76,"sentiment":"neutral","sentiment_score":0.05181161779910326},{"text":"There is an initial implementation fee.","start":2697.0198,"end":2699.955,"sentiment":"neutral","sentiment_score":0.03512792382389307}],"sentiment":"neutral","sentiment_score":0.0670384049355503,"num_words":62,"start":2671.7751,"end":2699.955},{"sentences":[{"text":"So everything up until the point that you decide if you wish to proceed is complimentary, and we'll work through all the all questions you have.","start":2699.955,"end":2712.0552,"sentiment":"neutral","sentiment_score":0.08277773427275512},{"text":"Once you if you get to the stage where you agree that you wanna proceed with advice, there's a one off implementation fee, and that's $4,950.","start":2712.115,"end":2723.22,"sentiment":"neutral","sentiment_score":0.02652198765785075},{"text":"And the funding of that would come from your super fund in this scenario because that's all we're looking at at this time, not investments.","start":2723.22,"end":2731.595,"sentiment":"neutral","sentiment_score":-0.009986829832196236},{"text":"And that's how the fee structure works.","start":2732.7751,"end":2735.7551,"sentiment":"neutral","sentiment_score":-0.014113464126629489},{"text":"With insurance, we are paid via the insurance company via commission.","start":2736.055,"end":2746.03,"sentiment":"neutral","sentiment_score":-0.02887951040809805}],"sentiment":"neutral","sentiment_score":0.022901612221214333,"num_words":95,"start":2699.955,"end":2746.03},{"sentences":[{"text":"So that's not out of pocket out of your pocket.","start":2746.09,"end":2749.3901,"sentiment":"neutral","sentiment_score":-0.06316293589770794},{"text":"That's paid via the insurance company.","start":2750.01,"end":2752.6702,"sentiment":"neutral","sentiment_score":0.0021777694734434285},{"text":"So any questions regarding fees?","start":2754.4102,"end":2760.045,"sentiment":"neutral","sentiment_score":-0.0018708640709519386},{"text":"Yes.","start":2760.265,"end":2760.665,"sentiment":"neutral","sentiment_score":0.07890243828296661},{"text":"Okay.","start":2760.665,"end":2761.065,"sentiment":"neutral","sentiment_score":0.18735070526599884}],"sentiment":"neutral","sentiment_score":-0.01572451821487883,"num_words":23,"start":2746.09,"end":2761.065},{"sentences":[{"text":"Fantastic.","start":2761.065,"end":2761.565,"sentiment":"positive","sentiment_score":0.41331684589385986},{"text":"So you know what an FSG is, so that's great.","start":2763.4648,"end":2765.625,"sentiment":"neutral","sentiment_score":0.2416049972176552},{"text":"I don't need to explain that.","start":2765.625,"end":2767.325,"sentiment":"neutral","sentiment_score":0.03744253236800432},{"text":"Beautiful.","start":2771.3801,"end":2771.86,"sentiment":"positive","sentiment_score":0.6006130576133728},{"text":"I love that.","start":2771.86,"end":2772.76,"sentiment":"positive","sentiment_score":0.6190707286198934}],"sentiment":"neutral","sentiment_score":0.2624689169405472,"num_words":21,"start":2761.065,"end":2772.76},{"sentences":[{"text":"Okay.","start":2774.1802,"end":2774.6802,"sentiment":"neutral","sentiment_score":0.1428220570087433},{"text":"So what I'm going to do is also in a moment, I'm going to send you a link to, it's called the f triple a safe ID.","start":2774.7402,"end":2786.185,"sentiment":"neutral","sentiment_score":0.07977957637221725},{"text":"It just being in the bank, you would know this as well.","start":2787.0452,"end":2790.3452,"sentiment":"neutral","sentiment_score":0.06726941497375567},{"text":"Yeah.","start":2790.885,"end":2791.385,"sentiment":"neutral","sentiment_score":0.1394081711769104},{"text":"AML, it's just for you to complete when you're ready, and it's just your confirming your ID.","start":2791.925,"end":2802.23,"sentiment":"neutral","sentiment_score":0.13842298353419585}],"sentiment":"neutral","sentiment_score":0.09649487051727443,"num_words":58,"start":2774.1802,"end":2802.23},{"sentences":[{"text":"Sorry.","start":2802.37,"end":2802.87,"sentiment":"neutral","sentiment_score":-0.05749249458312988},{"text":"It's there's no other way to explain it, really.","start":2803.01,"end":2805.57,"sentiment":"neutral","sentiment_score":-0.09103616409831577},{"text":"So yeah.","start":2805.57,"end":2809.2449,"sentiment":"neutral","sentiment_score":0.058412156999111176},{"text":"Alright.","start":2809.2449,"end":2809.7449,"sentiment":"neutral","sentiment_score":0.1041547879576683},{"text":"So I'm just going to process through that.","start":2810.605,"end":2813.905,"sentiment":"neutral","sentiment_score":0.08656779862940311}],"sentiment":"neutral","sentiment_score":0.001747786643959227,"num_words":21,"start":2802.37,"end":2813.905},{"sentences":[{"text":"Okay, sir.","start":2831.78,"end":2832.74,"sentiment":"neutral","sentiment_score":0.13772711157798767},{"text":"It won't be a moment.","start":2832.74,"end":2834.36,"sentiment":"neutral","sentiment_score":0.07869914695620536},{"text":"Okay.","start":2842.895,"end":2843.295,"sentiment":"neutral","sentiment_score":0.15240120887756348},{"text":"So you you'll have that invite in your inbox shortly.","start":2843.295,"end":2847.315,"sentiment":"neutral","sentiment_score":0.2928491607308388},{"text":"And if you just follow the the links, that should work.","start":2847.455,"end":2854.97,"sentiment":"neutral","sentiment_score":0.26527343690395355}],"sentiment":"neutral","sentiment_score":0.22992588207125664,"num_words":29,"start":2831.78,"end":2854.97},{"sentences":[{"text":"If you have any concerns or any issues in completing that, please let me know, and I can walk you through that.","start":2856.0698,"end":2867.5852,"sentiment":"neutral","sentiment_score":0.15074189667674628},{"text":"Sorry?","start":2871.245,"end":2871.745,"sentiment":"neutral","sentiment_score":0.054261043667793274},{"text":"Oh, fantastic.","start":2878.125,"end":2879.8252,"sentiment":"positive","sentiment_score":0.6692964434623718},{"text":"Lovely.","start":2880.02,"end":2880.22,"sentiment":"positive","sentiment_score":0.7489386796951294},{"text":"I love that.","start":2880.22,"end":2881.16,"sentiment":"positive","sentiment_score":0.7865482568740845}],"sentiment":"neutral","sentiment_score":0.2695779002689082,"num_words":29,"start":2856.0698,"end":2881.16},{"sentences":[{"text":"Okay.","start":2881.54,"end":2882.04,"sentiment":"neutral","sentiment_score":0.24548736214637756},{"text":"And the next questions really are from here is, with the insurance, the only thing that I do note that what we would want to look at doing to avoid any delays, if you did wish to proceed, is look at getting a pre assessment.","start":2882.42,"end":2905.375,"sentiment":"neutral","sentiment_score":0.023448125438557732},{"text":"What we do there is we look at health and financial to see if the insurance company is comfortable issuing a policy.","start":2908.635,"end":2918.23,"sentiment":"neutral","sentiment_score":-0.0012763946909796107},{"text":"The only reason not comfortable issuing a policy, but it meets the underwriting guidelines.","start":2918.69,"end":2923.27,"sentiment":"neutral","sentiment_score":-0.05414190409438951},{"text":"Sorry.","start":2923.81,"end":2924.31,"sentiment":"neutral","sentiment_score":-0.15621261298656464}],"sentiment":"neutral","sentiment_score":0.004317747630986823,"num_words":83,"start":2881.54,"end":2924.31},{"sentences":[{"text":"Incorrect terms, you said.","start":2924.45,"end":2925.91,"sentiment":"neutral","sentiment_score":-0.20845027640461922},{"text":"The reason I say that is is you are on a weight loss journey at the moment, and they will look at the for example, how much weight you've lost over a twelve month period, etcetera, and they will set so they'll wanna look further.","start":2927.345,"end":2945.6,"sentiment":"neutral","sentiment_score":-0.04588613816433483},{"text":"So what it means is basically is they might say, yep.","start":2945.6,"end":2949.76,"sentiment":"neutral","sentiment_score":0.03420146182179451},{"text":"Happy to proceed with cover.","start":2949.76,"end":2951.46,"sentiment":"neutral","sentiment_score":0.19472973942756652},{"text":"It's all it's all kosher.","start":2951.52,"end":2954.0552,"sentiment":"neutral","sentiment_score":0.19004232585430145}],"sentiment":"neutral","sentiment_score":-0.008551441665206636,"num_words":70,"start":2924.45,"end":2954.0552},{"sentences":[{"text":"There's no risk factors additional risk factors we see here.","start":2954.435,"end":2957.815,"sentiment":"neutral","sentiment_score":0.05280793979763985},{"text":"That's fantastic.","start":2958.0352,"end":2958.855,"sentiment":"positive","sentiment_score":0.42186588048934937},{"text":"Worst case scenario is they might say, no.","start":2959.635,"end":2963.235,"sentiment":"neutral","sentiment_score":-0.2817417923361063},{"text":"We wanna wait six months and revisit the application in six months.","start":2963.235,"end":2966.855,"sentiment":"neutral","sentiment_score":-0.2581014384826024},{"text":"Middle case scenario is, yep.","start":2967.155,"end":2969.43,"sentiment":"neutral","sentiment_score":-0.12679828256368636}],"sentiment":"neutral","sentiment_score":-0.12468464471198418,"num_words":37,"start":2954.435,"end":2969.43},{"sentences":[{"text":"That's fine, but we may apply a loading to that insurance policy, which would be reviewable in x y z amount of time.","start":2969.43,"end":2978.33,"sentiment":"neutral","sentiment_score":0.05611632861520933},{"text":"So what we like to do is make sure that we have all the pre assessment details ready.","start":2979.03,"end":2985.595,"sentiment":"neutral","sentiment_score":0.29572586301300263},{"text":"It does speed up the process in relation to getting a decision on insurance, and it and it lets us be more transparent with you as to what the outcome's likely to be.","start":2986.055,"end":3001.08,"sentiment":"positive","sentiment_score":0.41987932360533514},{"text":"So if you did wanna proceed down that, I would probably transfer you back to Maddie for a little bit, or I'm happy to go through it over the phone with you if Maddie's busy at pre assessment.","start":3002.5,"end":3013.24,"sentiment":"neutral","sentiment_score":0.20617157750223813},{"text":"But from today's perspective, outside of what we've discussed and oh, actually, the other thing is estate planning, wills and powers of attorney.","start":3015.045,"end":3027.625,"sentiment":"neutral","sentiment_score":0.06667899955873904}],"sentiment":"neutral","sentiment_score":0.2210214496762664,"num_words":135,"start":2969.43,"end":3027.625},{"sentences":[{"text":"Yeah.","start":3031.84,"end":3032.34,"sentiment":"neutral","sentiment_score":0.21744543313980105},{"text":"Yeah.","start":3032.4001,"end":3032.9001,"sentiment":"neutral","sentiment_score":0.234229639172554},{"text":"We do have a professional partner that we work with.","start":3035.12,"end":3038.58,"sentiment":"neutral","sentiment_score":0.21932570785284042},{"text":"It's quite reasonable, actually, price wise compared to what I've seen over my time to establish those documents.","start":3040.1602,"end":3047.655,"sentiment":"neutral","sentiment_score":0.2910640984773636},{"text":"What I can do is just email you a brochure if you like for you to have a read over.","start":3048.675,"end":3055.175,"sentiment":"neutral","sentiment_score":0.15487169474363327}],"sentiment":"neutral","sentiment_score":0.2196303963661194,"num_words":50,"start":3031.84,"end":3055.175},{"sentences":[{"text":"It gives you an indication of prices for what you can expect to pay.","start":3055.96,"end":3061.4202,"sentiment":"neutral","sentiment_score":0.21070341553006852},{"text":"And you can then let me know if you want me to arrange a referral or an introduction to them.","start":3063.72,"end":3070.625,"sentiment":"neutral","sentiment_score":0.1616268664598465},{"text":"Given that your daughter's 10 and you're the sole parent, essentially, it's probably it's one of those things that you probably need to attend to sooner rather than later just to make sure she because no matter what plan you put in place to make sure that she's financially secure without that document in place, it can leave her vulnerable should you not be around.","start":3071.085,"end":3103.045,"sentiment":"neutral","sentiment_score":-0.08765715337716616},{"text":"Okay.","start":3103.045,"end":3103.4448,"sentiment":"neutral","sentiment_score":0.0020094718784093857},{"text":"So I'll email you that to have a read over.","start":3103.4448,"end":3105.625,"sentiment":"neutral","sentiment_score":0.06435373798012733}],"sentiment":"neutral","sentiment_score":0.01027470026165247,"num_words":110,"start":3055.96,"end":3105.625},{"sentences":[{"text":"Outside of that, the only other question I wanted to ask is with your debt repayments, are you happy to continue those, or you're just happy to continue managing those yourself?","start":3107.125,"end":3129.585,"sentiment":"neutral","sentiment_score":0.0017758786317802245},{"text":"Yep.","start":3135.6448,"end":3136.1448,"sentiment":"neutral","sentiment_score":0.03353582322597504},{"text":"Fantastic.","start":3139.7249,"end":3140.2249,"sentiment":"positive","sentiment_score":0.6125838160514832},{"text":"Okay.","start":3141.94,"end":3142.44,"sentiment":"neutral","sentiment_score":0.19525641202926636},{"text":"So I have asked a million questions of you today.","start":3142.98,"end":3147.24,"sentiment":"neutral","sentiment_score":0.14018945321440696}],"sentiment":"neutral","sentiment_score":0.05223460956899957,"num_words":44,"start":3107.125,"end":3147.24},{"sentences":[{"text":"The next steps from here are are probably you deciding if you're happy to move to the next steps.","start":3148.1,"end":3157.9548,"sentiment":"neutral","sentiment_score":0.019347271122234434},{"text":"If you wanna go away and have us think about things for a little bit, gather your thoughts because it is information overload, to be honest with you.","start":3157.9548,"end":3165.4148,"sentiment":"neutral","sentiment_score":-0.0018491754308342934},{"text":"I can send you a summary of our conversations with some links to some web sites with the general information that you can check out.","start":3165.555,"end":3173.34,"sentiment":"neutral","sentiment_score":0.13159365385770797},{"text":"And, basically, once you have made a decision as to what you would like to do, whether you wanna proceed with advice or not, we would then start the advice process.","start":3173.72,"end":3187.7751,"sentiment":"neutral","sentiment_score":0.02667285916545699},{"text":"So that would involve me and our team generating an advice document, presenting that to you with my recommendations as to what you need to do, You deciding out of that what you want to do, and then we go and implement from there.","start":3187.835,"end":3205.07,"sentiment":"neutral","sentiment_score":0.06783766104755076}],"sentiment":"neutral","sentiment_score":0.05045835582260676,"num_words":147,"start":3148.1,"end":3205.07},{"sentences":[{"text":"So what I can do is send you a summary email if you like and touch base with you in a couple of days.","start":3206.01,"end":3215.885,"sentiment":"neutral","sentiment_score":0.18514943681657314},{"text":"I'm completely led by you.","start":3216.985,"end":3218.685,"sentiment":"neutral","sentiment_score":0.23204744458198548},{"text":"Yeah.","start":3229.88,"end":3230.38,"sentiment":"neutral","sentiment_score":0.16104984283447266},{"text":"Yep.","start":3232.6,"end":3233.1,"sentiment":"neutral","sentiment_score":0.149336040019989},{"text":"Alright.","start":3233.64,"end":3234.14,"sentiment":"neutral","sentiment_score":0.2093653380870819}],"sentiment":"neutral","sentiment_score":0.19136171648278832,"num_words":32,"start":3206.01,"end":3234.14},{"sentences":[{"text":"Beautiful.","start":3234.28,"end":3234.78,"sentiment":"positive","sentiment_score":0.5257661938667297},{"text":"What I'll do is I'll do up a summary email for you this afternoon to make sure that you received that today.","start":3235.48,"end":3240.38,"sentiment":"neutral","sentiment_score":0.252815343439579},{"text":"I might touch base with you on Friday.","start":3241.095,"end":3243.275,"sentiment":"neutral","sentiment_score":0.12399512901902199},{"text":"Is that okay?","start":3243.335,"end":3244.235,"sentiment":"neutral","sentiment_score":0.11916748185952504},{"text":"I'll Fantastic.","start":3245.255,"end":3250.715,"sentiment":"positive","sentiment_score":0.41746553033590317}],"sentiment":"neutral","sentiment_score":0.22978050799833405,"num_words":36,"start":3234.28,"end":3250.715},{"sentences":[{"text":"I'll touch base with you Friday morning sometime to see how you're going and what your thoughts are.","start":3250.855,"end":3255.675,"sentiment":"positive","sentiment_score":0.5565810236665938},{"text":"And in the meantime, if you can complete that ID verification for me, that would be fantastic.","start":3256.1,"end":3263.48,"sentiment":"positive","sentiment_score":0.4178680865203633},{"text":"And I will speak to you Friday morning.","start":3264.1,"end":3267.08,"sentiment":"neutral","sentiment_score":0.26183344423770905},{"text":"Okay.","start":3270.405,"end":3270.885,"sentiment":"neutral","sentiment_score":0.14433492720127106},{"text":"Yep.","start":3270.885,"end":3271.205,"sentiment":"neutral","sentiment_score":0.1358703076839447}],"sentiment":"positive","sentiment_score":0.4332686374584834,"num_words":45,"start":3250.855,"end":3271.205},{"sentences":[{"text":"Alright.","start":3271.205,"end":3271.705,"sentiment":"neutral","sentiment_score":0.2620109021663666},{"text":"Fantastic.","start":3272.725,"end":3273.225,"sentiment":"positive","sentiment_score":0.5218348503112793},{"text":"I will keep an eye on that.","start":3273.445,"end":3275.385,"sentiment":"positive","sentiment_score":0.3687764193330492},{"text":"Actually, while I've got you on the phone, did you wanna go through that insurance pre assessment quickly?","start":3276.085,"end":3280.825,"sentiment":"neutral","sentiment_score":0.046919805825584464},{"text":"Yep.","start":3283.205,"end":3283.705,"sentiment":"neutral","sentiment_score":0.05335631221532822}],"sentiment":"neutral","sentiment_score":0.15225691088874424,"num_words":28,"start":3271.205,"end":3283.705},{"sentences":[{"text":"Yep.","start":3284.805,"end":3285.205,"sentiment":"neutral","sentiment_score":0.06993032991886139},{"text":"Yep.","start":3285.205,"end":3285.5251,"sentiment":"neutral","sentiment_score":0.160625159740448},{"text":"Fantastic.","start":3285.5251,"end":3286.0251,"sentiment":"positive","sentiment_score":0.756292998790741},{"text":"Fantastic.","start":3286.5398,"end":3286.94,"sentiment":"positive","sentiment_score":0.7738597989082336},{"text":"I think that's a good idea.","start":3286.94,"end":3288.16,"sentiment":"positive","sentiment_score":0.6962009370326996}],"sentiment":"positive","sentiment_score":0.5937913909554482,"num_words":10,"start":3284.805,"end":3288.16},{"sentences":[{"text":"So you're a 100% in office, so that's not applicable.","start":3289.3398,"end":3292.4,"sentiment":"neutral","sentiment_score":0.05383690465241671},{"text":"In your role, are you required to travel for work or anything like that?","start":3293.26,"end":3296.96,"sentiment":"neutral","sentiment_score":0.006110828735732606},{"text":"Yeah.","start":3302.195,"end":3302.355,"sentiment":"neutral","sentiment_score":0.007775736972689629},{"text":"No.","start":3302.355,"end":3302.515,"sentiment":"neutral","sentiment_score":-0.019228346645832065},{"text":"That's fine.","start":3302.515,"end":3308.195,"sentiment":"neutral","sentiment_score":0.002583376714028418}],"sentiment":"neutral","sentiment_score":0.02205838544926207,"num_words":28,"start":3289.3398,"end":3308.195},{"sentences":[{"text":"You know, do you perform any hazardous activities, working at heights, explosives, underground, all that sort of stuff?","start":3308.195,"end":3315.015,"sentiment":"neutral","sentiment_score":-0.024854441897736654},{"text":"Yep.","start":3318.95,"end":3319.19,"sentiment":"neutral","sentiment_score":0.023406557738780975},{"text":"Yep.","start":3319.19,"end":3319.67,"sentiment":"neutral","sentiment_score":0.04537127912044525},{"text":"Beautiful.","start":3319.67,"end":3320.17,"sentiment":"neutral","sentiment_score":0.27567058801651},{"text":"Do you intend to change your occupation or employment status in the next twelve months?","start":3320.8699,"end":3325.6099,"sentiment":"neutral","sentiment_score":0.031244878408809504}],"sentiment":"neutral","sentiment_score":0.010159490190239416,"num_words":36,"start":3308.195,"end":3325.6099},{"sentences":[{"text":"No.","start":3327.51,"end":3328.01,"sentiment":"neutral","sentiment_score":-0.030804231762886047},{"text":"Do you have a second job besides being a mom?","start":3329.27,"end":3333.095,"sentiment":"neutral","sentiment_score":-0.02546434458345175},{"text":"Yep.","start":3342.435,"end":3342.935,"sentiment":"neutral","sentiment_score":0.02393883466720581},{"text":"Okay.","start":3344.835,"end":3345.235,"sentiment":"neutral","sentiment_score":0.11591067910194396},{"text":"Fantastic.","start":3345.235,"end":3345.735,"sentiment":"neutral","sentiment_score":0.27582019567489624}],"sentiment":"neutral","sentiment_score":0.009301573703331607,"num_words":14,"start":3327.51,"end":3345.735},{"sentences":[{"text":"Do you intend to travel or live overseas for work or pleasure anytime in the foreseeable future?","start":3348.5,"end":3354.76,"sentiment":"neutral","sentiment_score":0.08982174777809311},{"text":"Yep.","start":3359.86,"end":3360.255,"sentiment":"neutral","sentiment_score":0.016162477433681488},{"text":"And where will you be traveling to?","start":3360.335,"end":3362.1948,"sentiment":"neutral","sentiment_score":0.009472055094582694},{"text":"Yep.","start":3370.015,"end":3370.515,"sentiment":"neutral","sentiment_score":0.0803692489862442},{"text":"Beautiful.","start":3370.9749,"end":3371.4749,"sentiment":"neutral","sentiment_score":0.25076788663864136}],"sentiment":"neutral","sentiment_score":0.07187310040548996,"num_words":27,"start":3348.5,"end":3371.4749},{"sentences":[{"text":"Just for a holiday?","start":3371.6948,"end":3375.01,"sentiment":"neutral","sentiment_score":0.06382996030151844},{"text":"Okay.","start":3376.35,"end":3376.85,"sentiment":"neutral","sentiment_score":0.1572568118572235},{"text":"That will be lovely.","start":3378.19,"end":3379.25,"sentiment":"positive","sentiment_score":0.3431079834699631},{"text":"Is it are you going for snow season?","start":3379.3901,"end":3381.8901,"sentiment":"neutral","sentiment_score":0.055343746673315763},{"text":"Or oh, so do I.","start":3383.31,"end":3387.345,"sentiment":"neutral","sentiment_score":0.07549760043621064}],"sentiment":"neutral","sentiment_score":0.11842029829594222,"num_words":22,"start":3371.6948,"end":3387.345},{"sentences":[{"text":"You'll have to let me know because I would love to go for that also.","start":3395.245,"end":3398.705,"sentiment":"neutral","sentiment_score":0.3021781504154205},{"text":"Do you have any pastime sports or hobbies that you compete in or you participate in that are you'd probably consider contact type sports or high levels of danger?","start":3401.54,"end":3416.92,"sentiment":"neutral","sentiment_score":0.012428951899296251},{"text":"Yeah.","start":3427.435,"end":3427.7551,"sentiment":"neutral","sentiment_score":0.0006429803324863315},{"text":"That's fine.","start":3427.7551,"end":3428.575,"sentiment":"neutral","sentiment_score":0.20835129171609879},{"text":"Yep.","start":3429.355,"end":3429.57,"sentiment":"neutral","sentiment_score":0.07990292459726334}],"sentiment":"neutral","sentiment_score":0.11229917395151763,"num_words":48,"start":3395.245,"end":3429.57},{"sentences":[{"text":"Yep.","start":3431.49,"end":3431.99,"sentiment":"neutral","sentiment_score":0.09372328221797945},{"text":"Yep.","start":3432.1301,"end":3432.6301,"sentiment":"neutral","sentiment_score":0.14288447797298431},{"text":"Absolutely.","start":3432.6902,"end":3433.1902,"sentiment":"positive","sentiment_score":0.37200966477394104},{"text":"And you're you said you're a nonsmoker, so that's fine.","start":3435.1702,"end":3438.37,"sentiment":"neutral","sentiment_score":0.1423291228711605},{"text":"But have you used any tobacco substance in the last twelve months?","start":3438.37,"end":3442.1501,"sentiment":"neutral","sentiment_score":-0.0693701459094882}],"sentiment":"neutral","sentiment_score":0.04797867611050606,"num_words":25,"start":3431.49,"end":3442.1501},{"sentences":[{"text":"No.","start":3443.81,"end":3444.31,"sentiment":"neutral","sentiment_score":-0.10153590887784958},{"text":"And have you ever taken any illicit drugs?","start":3445.275,"end":3447.855,"sentiment":"neutral","sentiment_score":-0.08298880327492952},{"text":"No.","start":3449.915,"end":3450.415,"sentiment":"neutral","sentiment_score":-0.07766072452068329},{"text":"Do you drink alcohol?","start":3450.7148,"end":3451.855,"sentiment":"neutral","sentiment_score":-0.08003362081944942},{"text":"Yeah.","start":3456.4749,"end":3456.9749,"sentiment":"neutral","sentiment_score":0.0018552476540207865}],"sentiment":"neutral","sentiment_score":-0.07742575301478306,"num_words":15,"start":3443.81,"end":3456.9749},{"sentences":[{"text":"Yeah.","start":3457.275,"end":3457.6748,"sentiment":"neutral","sentiment_score":0.007507281843572855},{"text":"Same.","start":3457.6748,"end":3458.1748,"sentiment":"neutral","sentiment_score":0.011196065694093704},{"text":"So on average, how many would you drink per week?","start":3458.76,"end":3462.06,"sentiment":"neutral","sentiment_score":0.004202153859660029},{"text":"Yeah.","start":3465.24,"end":3465.56,"sentiment":"neutral","sentiment_score":-0.007357847411185503},{"text":"Just yeah.","start":3465.56,"end":3466.94,"sentiment":"neutral","sentiment_score":-0.0072376958560198545}],"sentiment":"neutral","sentiment_score":0.002592776467402776,"num_words":15,"start":3457.275,"end":3466.94},{"sentences":[{"text":"Yeah.","start":3468.68,"end":3469.18,"sentiment":"neutral","sentiment_score":-0.016993731260299683},{"text":"Yeah.","start":3471.8801,"end":3472.215,"sentiment":"neutral","sentiment_score":-0.03968054801225662},{"text":"Okay.","start":3474.7751,"end":3475.175,"sentiment":"neutral","sentiment_score":0.04603295400738716},{"text":"That's absolutely fine.","start":3475.175,"end":3477.0352,"sentiment":"neutral","sentiment_score":0.15209359923998514},{"text":"I've got your okay.","start":3477.735,"end":3479.8352,"sentiment":"neutral","sentiment_score":0.12120344117283821}],"sentiment":"neutral","sentiment_score":0.09304532371461391,"num_words":10,"start":3468.68,"end":3479.8352},{"sentences":[{"text":"So in the last twelve months, how much weight do you think you've lost?","start":3480.215,"end":3485.45,"sentiment":"neutral","sentiment_score":0.009067588984700186},{"text":"So you're you started a hundred and fourteen.","start":3499.67,"end":3502.595,"sentiment":"neutral","sentiment_score":0.012778649223037064},{"text":"Yep.","start":3505.5352,"end":3506.0352,"sentiment":"neutral","sentiment_score":0.011557932011783125},{"text":"Okay.","start":3510.415,"end":3510.915,"sentiment":"neutral","sentiment_score":0.015633223578333855},{"text":"So you've lost about 12.","start":3511.055,"end":3512.675,"sentiment":"neutral","sentiment_score":0.013339418359100819}],"sentiment":"neutral","sentiment_score":0.011140127136404145,"num_words":29,"start":3480.215,"end":3512.675},{"sentences":[{"text":"Yep.","start":3514.415,"end":3514.815,"sentiment":"neutral","sentiment_score":0.11786554753780364},{"text":"Beautiful.","start":3514.815,"end":3515.315,"sentiment":"positive","sentiment_score":0.464103639125824},{"text":"Congratulations.","start":3515.375,"end":3515.875,"sentiment":"positive","sentiment_score":0.6120461225509644},{"text":"Well done.","start":3516.6,"end":3517.1802,"sentiment":"positive","sentiment_score":0.4940161556005478},{"text":"And is it did you just decide to do that for your health?","start":3520.52,"end":3525.1802,"sentiment":"neutral","sentiment_score":0.042539175026691876}],"sentiment":"neutral","sentiment_score":0.151947605320149,"num_words":18,"start":3514.415,"end":3525.1802},{"sentences":[{"text":"Yep.","start":3537.175,"end":3537.675,"sentiment":"neutral","sentiment_score":0.014824355021119118},{"text":"Okay.","start":3545.75,"end":3546.23,"sentiment":"neutral","sentiment_score":0.25600510835647583},{"text":"Fantastic.","start":3546.23,"end":3546.73,"sentiment":"positive","sentiment_score":0.3986634314060211},{"text":"Alright.","start":3547.43,"end":3547.93,"sentiment":"neutral","sentiment_score":0.14093387126922607},{"text":"In the last twelve months, have you been I an absent from work or been unable to fulfill your duties?","start":3551.0298,"end":3556.595,"sentiment":"neutral","sentiment_score":-0.05191339459270239}],"sentiment":"neutral","sentiment_score":-0.009493380241716901,"num_words":24,"start":3537.175,"end":3556.595},{"sentences":[{"text":"Yeah.","start":3560.2551,"end":3560.575,"sentiment":"neutral","sentiment_score":-0.041530806571245193},{"text":"No.","start":3560.575,"end":3561.075,"sentiment":"neutral","sentiment_score":-0.09665730595588684},{"text":"Alright.","start":3563.375,"end":3563.875,"sentiment":"neutral","sentiment_score":-0.1956416815519333},{"text":"Have you ever been diagnosed with an illness that can that will impact your ability to work?","start":3564.0151,"end":3571.3098,"sentiment":"neutral","sentiment_score":-0.18590431660413742},{"text":"No.","start":3574.65,"end":3575.0498,"sentiment":"neutral","sentiment_score":-0.14301007986068726}],"sentiment":"neutral","sentiment_score":-0.17320063124809945,"num_words":21,"start":3560.2551,"end":3575.0498},{"sentences":[{"text":"That's good.","start":3575.0498,"end":3576.1099,"sentiment":"neutral","sentiment_score":-0.009642714634537697},{"text":"Have you ever had an insurance application declined or refused?","start":3576.41,"end":3582.0251,"sentiment":"neutral","sentiment_score":-0.08980045430362224},{"text":"Yeah.","start":3586.8052,"end":3587.125,"sentiment":"neutral","sentiment_score":-0.01853126846253872},{"text":"Okay.","start":3587.125,"end":3587.5251,"sentiment":"neutral","sentiment_score":0.06023760512471199},{"text":"Beautiful.","start":3587.5251,"end":3588.0251,"sentiment":"neutral","sentiment_score":0.2125566005706787}],"sentiment":"neutral","sentiment_score":-0.04420180233816306,"num_words":15,"start":3575.0498,"end":3588.0251},{"sentences":[{"text":"Have you been on any sort of workers' compensation claim or government benefits for any sickness or injuries?","start":3588.885,"end":3596.93,"sentiment":"neutral","sentiment_score":0.001922841908203231},{"text":"No.","start":3599.31,"end":3599.81,"sentiment":"neutral","sentiment_score":-0.18537484109401703},{"text":"And okay.","start":3601.31,"end":3603.79,"sentiment":"neutral","sentiment_score":-0.13743583858013153},{"text":"So you did not apply.","start":3603.79,"end":3604.91,"sentiment":"neutral","sentiment_score":-0.23697204291820526},{"text":"So that sorry.","start":3604.91,"end":3605.79,"sentiment":"neutral","sentiment_score":-0.2386781026919683}],"sentiment":"neutral","sentiment_score":-0.08022516850253632,"num_words":29,"start":3588.885,"end":3605.79},{"sentences":[{"text":"Talking to myself there.","start":3605.79,"end":3606.75,"sentiment":"neutral","sentiment_score":-0.24957717210054398},{"text":"You haven't applied for insurances before, so that question's not applicable.","start":3606.75,"end":3610.21,"sentiment":"neutral","sentiment_score":-0.32635974884033203},{"text":"Alright.","start":3611.715,"end":3612.215,"sentiment":"neutral","sentiment_score":-0.0422549806535244},{"text":"This is just about your medical history, so I will just run through this.","start":3612.3552,"end":3617.2551,"sentiment":"neutral","sentiment_score":-0.06225895615560668},{"text":"At the very moment, do you intend to seek any medical advice, test, investigation, or treatment, including surgery?","start":3618.5151,"end":3628.35,"sentiment":"neutral","sentiment_score":-0.06128642811543412}],"sentiment":"neutral","sentiment_score":-0.13761045830324292,"num_words":48,"start":3605.79,"end":3628.35},{"sentences":[{"text":"Nope.","start":3628.35,"end":3628.85,"sentiment":"neutral","sentiment_score":-0.14028587937355042},{"text":"Have you ever had or sought advice or treatment from a health care professional for the following?","start":3630.11,"end":3636.53,"sentiment":"neutral","sentiment_score":-0.11488002757815753},{"text":"Stress, anxiety, depression, or a mental health disorder.","start":3637.1501,"end":3640.175,"sentiment":"neutral","sentiment_score":-0.16293136030435562},{"text":"Yep.","start":3650.075,"end":3650.5552,"sentiment":"neutral","sentiment_score":0.00024381994444411248},{"text":"And how long ago was that?","start":3650.5552,"end":3655.72,"sentiment":"neutral","sentiment_score":-0.010633387913306555}],"sentiment":"neutral","sentiment_score":-0.1048561738840142,"num_words":33,"start":3628.35,"end":3655.72},{"sentences":[{"text":"Yep.","start":3657.3,"end":3657.8,"sentiment":"neutral","sentiment_score":0.03404015302658081},{"text":"I'm glad that you have been able to make it through that.","start":3660.5,"end":3663.3801,"sentiment":"neutral","sentiment_score":0.24816728383302689},{"text":"That's not a not a nice thing.","start":3663.3801,"end":3666.2852,"sentiment":"negative","sentiment_score":-0.6359584416661944},{"text":"I'm sorry to hear.","start":3666.665,"end":3667.805,"sentiment":"neutral","sentiment_score":-0.09732949826866388},{"text":"What about any skin cancer, tumors, lesions, moles, or a cyst?","start":3670.745,"end":3678.25,"sentiment":"neutral","sentiment_score":-0.07200788300145756}],"sentiment":"neutral","sentiment_score":-0.07488760682088988,"num_words":35,"start":3657.3,"end":3678.25},{"sentences":[{"text":"No.","start":3682.31,"end":3682.63,"sentiment":"neutral","sentiment_score":-0.06696966290473938},{"text":"Any back or neck pain, problems, any sciatica?","start":3682.63,"end":3687.3699,"sentiment":"neutral","sentiment_score":-0.10916753951460123},{"text":"No.","start":3692.9849,"end":3693.305,"sentiment":"neutral","sentiment_score":-0.05781833082437515},{"text":"Any bone fractures, muscle, ligament, tendons, injuries?","start":3693.305,"end":3698.4448,"sentiment":"neutral","sentiment_score":-0.07092612556048802},{"text":"No.","start":3700.9849,"end":3701.305,"sentiment":"neutral","sentiment_score":-0.04757321998476982}],"sentiment":"neutral","sentiment_score":-0.08567691159745057,"num_words":18,"start":3682.31,"end":3701.305},{"sentences":[{"text":"Any blood borne diseases?","start":3701.305,"end":3702.6848,"sentiment":"neutral","sentiment_score":-0.05199385341256857},{"text":"Any heart or blood conditions?","start":3705.35,"end":3707.1301,"sentiment":"neutral","sentiment_score":-0.0450749009847641},{"text":"No.","start":3709.35,"end":3709.67,"sentiment":"neutral","sentiment_score":-0.07724350690841675},{"text":"Sorry.","start":3709.67,"end":3710.1501,"sentiment":"neutral","sentiment_score":-0.07689394056797028},{"text":"This just there's a lot of questions 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of?","start":3754.875,"end":3757.35,"sentiment":"neutral","sentiment_score":-0.045273009687662125},{"text":"Yep.","start":3769.99,"end":3770.49,"sentiment":"neutral","sentiment_score":0.0067207468673586845},{"text":"Okay.","start":3771.03,"end":3771.53,"sentiment":"neutral","sentiment_score":0.054849714040756226},{"text":"So when was the last time you had that checked?","start":3772.31,"end":3785.4849,"sentiment":"neutral","sentiment_score":0.04369409922510385}],"sentiment":"neutral","sentiment_score":-0.009317218218571864,"num_words":26,"start":3750.155,"end":3785.4849},{"sentences":[{"text":"Okay.","start":3785.4849,"end":3785.885,"sentiment":"neutral","sentiment_score":-0.014809210784733295},{"text":"So there was no indication of any more fatty 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two?","start":3805.735,"end":3807.195,"sentiment":"neutral","sentiment_score":-0.017298374557867646},{"text":"Yep.","start":3809.415,"end":3809.915,"sentiment":"neutral","sentiment_score":-0.005154360085725784},{"text":"And they were surgery?","start":3812.2952,"end":3814.7952,"sentiment":"neutral","sentiment_score":-0.016531853703781962}],"sentiment":"neutral","sentiment_score":-0.013846736017833738,"num_words":17,"start":3795.1602,"end":3814.7952},{"sentences":[{"text":"Yep.","start":3816.0552,"end":3816.5552,"sentiment":"neutral","sentiment_score":0.004872574470937252},{"text":"Yep.","start":3817.175,"end":3817.675,"sentiment":"neutral","sentiment_score":0.005231291055679321},{"text":"Okay.","start":3818.31,"end":3818.81,"sentiment":"neutral","sentiment_score":-0.019267158582806587},{"text":"Have you had any abnormal sorry.","start":3819.27,"end":3822.1501,"sentiment":"neutral","sentiment_score":-0.148441723237435},{"text":"This is getting quite personal for a first 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fine.","start":3856.9001,"end":3859.7449,"sentiment":"neutral","sentiment_score":0.09449325253566106}],"sentiment":"neutral","sentiment_score":0.08248219725986322,"num_words":15,"start":3855.22,"end":3859.7449},{"sentences":[{"text":"And any breast lumps or abnormal mammogram or breast ultrasound?","start":3861.645,"end":3869.265,"sentiment":"neutral","sentiment_score":-0.08524606823921203},{"text":"Nope.","start":3871.4849,"end":3871.9849,"sentiment":"neutral","sentiment_score":-0.11216579377651216},{"text":"Okay.","start":3872.285,"end":3872.73,"sentiment":"neutral","sentiment_score":-0.048666663467884064},{"text":"Alright.","start":3874.01,"end":3874.51,"sentiment":"neutral","sentiment_score":-0.03311523422598839},{"text":"With the fatty liver, when was that diagnosed?","start":3876.73,"end":3881.39,"sentiment":"neutral","sentiment_score":-0.07788214087486267}],"sentiment":"neutral","sentiment_score":-0.07949835718387649,"num_words":21,"start":3861.645,"end":3881.39},{"sentences":[{"text":"Yep.","start":3892.905,"end":3893.405,"sentiment":"neutral","sentiment_score":0.07197833061218262},{"text":"Yes.","start":3899.7852,"end":3899.97,"sentiment":"neutral","sentiment_score":0.004818479996174574},{"text":"That's okay.","start":3903.17,"end":3903.91,"sentiment":"neutral","sentiment_score":0.1017046645283699},{"text":"No.","start":3904.05,"end":3904.21,"sentiment":"neutral","sentiment_score":-0.10827350616455078},{"text":"No.","start":3904.21,"end":3904.45,"sentiment":"neutral","sentiment_score":-0.1271493285894394}],"sentiment":"neutral","sentiment_score":0.007463884151851137,"num_words":6,"start":3892.905,"end":3904.45},{"sentences":[{"text":"No.","start":3904.45,"end":3904.6099,"sentiment":"neutral","sentiment_score":-0.11871477961540222},{"text":"What will happen is is we're just gonna use this very basic information to go to the insurance companies and make sure that we can get you cover.","start":3904.6099,"end":3913.59,"sentiment":"neutral","sentiment_score":0.0206464377364942},{"text":"If they're happy to proceed, they'll actually reach out to your doctor because there is a cost, believe it or not, for them to get this information from your doctor.","start":3914.45,"end":3921.725,"sentiment":"neutral","sentiment_score":0.06969755900402864},{"text":"But the insurance company pays for it, so don't even worry about it.","start":3922.2651,"end":3926.345,"sentiment":"neutral","sentiment_score":-0.09171692009728688},{"text":"So I don't want you to if they say, oh, why do you want it?","start":3926.345,"end":3930.78,"sentiment":"neutral","sentiment_score":-0.255597851673762}],"sentiment":"neutral","sentiment_score":-0.02845948838211339,"num_words":87,"start":3904.45,"end":3930.78},{"sentences":[{"text":"You say I'm getting it from my insurance company.","start":3930.78,"end":3932.6401,"sentiment":"neutral","sentiment_score":-0.1254351395699713},{"text":"They'll say, oh, well, we charge this, so don't worry about it.","start":3932.94,"end":3937.2,"sentiment":"neutral","sentiment_score":-0.06933794791499774},{"text":"You no.","start":3938.22,"end":3939.66,"sentiment":"neutral","sentiment_score":-0.06671908497810364},{"text":"No.","start":3939.66,"end":3939.82,"sentiment":"neutral","sentiment_score":-0.1076352596282959},{"text":"No.","start":3939.82,"end":3939.98,"sentiment":"neutral","sentiment_score":-0.12407340854406355}],"sentiment":"neutral","sentiment_score":-0.09304473876953125,"num_words":25,"start":3930.78,"end":3939.98},{"sentences":[{"text":"No.","start":3939.98,"end":3940.3,"sentiment":"neutral","sentiment_score":-0.08712394535541534},{"text":"So don't worry about that at all.","start":3940.3,"end":3942.24,"sentiment":"neutral","sentiment_score":-0.09392089609588895},{"text":"Okay.","start":3943.9001,"end":3944.4001,"sentiment":"neutral","sentiment_score":-0.0013279952108860016},{"text":"With the counseling, I'm sorry to be intrusive here because of the delicate nature of why.","start":3945.66,"end":3953.575,"sentiment":"neutral","sentiment_score":-0.14779794495552778},{"text":"How long did you seek the counseling for?","start":3953.875,"end":3956.6948,"sentiment":"neutral","sentiment_score":-0.07352407975122333}],"sentiment":"neutral","sentiment_score":-0.11208660516775015,"num_words":33,"start":3939.98,"end":3956.6948},{"sentences":[{"text":"Yep.","start":3964.77,"end":3965.27,"sentiment":"neutral","sentiment_score":-0.03491721674799919},{"text":"Okay.","start":3972.85,"end":3973.245,"sentiment":"neutral","sentiment_score":-0.040024131536483765},{"text":"Okay.","start":3977.0852,"end":3977.5652,"sentiment":"neutral","sentiment_score":-0.041558198630809784},{"text":"And you're not seeing them anymore?","start":3977.5652,"end":3979.2651,"sentiment":"neutral","sentiment_score":-0.10646017889181773},{"text":"Yep.","start":3986.6052,"end":3986.88,"sentiment":"neutral","sentiment_score":-0.03507839888334274}],"sentiment":"neutral","sentiment_score":-0.07903390191495419,"num_words":10,"start":3964.77,"end":3986.88},{"sentences":[{"text":"Yep.","start":3992.88,"end":3993.2,"sentiment":"neutral","sentiment_score":0.03425738215446472},{"text":"Okay.","start":3993.2,"end":3993.7,"sentiment":"neutral","sentiment_score":0.11294059455394743},{"text":"That's good to hear.","start":3997.2,"end":3998.42,"sentiment":"positive","sentiment_score":0.3369249999523163},{"text":"You.","start":3998.7998,"end":3999.2998,"sentiment":"neutral","sentiment_score":0.2031009346246719},{"text":"Yep.","start":4000.385,"end":4000.885,"sentiment":"neutral","sentiment_score":0.18635615706443787}],"sentiment":"neutral","sentiment_score":0.2355443835258484,"num_words":8,"start":3992.88,"end":4000.885},{"sentences":[{"text":"Okay.","start":4003.265,"end":4003.765,"sentiment":"neutral","sentiment_score":0.15861457586288452},{"text":"So that's fine.","start":4003.825,"end":4005.445,"sentiment":"neutral","sentiment_score":0.18161678314208984},{"text":"I'm just checking.","start":4011.9849,"end":4013.045,"sentiment":"neutral","sentiment_score":0.10668803006410599},{"text":"With the dosage of your Manjaro, how much do you take and how often?","start":4015.34,"end":4021.84,"sentiment":"neutral","sentiment_score":0.03171802791101592},{"text":"Okay.","start":4040.395,"end":4040.61,"sentiment":"neutral","sentiment_score":0.043489761650562286}],"sentiment":"neutral","sentiment_score":0.06868505308573897,"num_words":22,"start":4003.265,"end":4040.61},{"sentences":[{"text":"And when did you start it?","start":4043.81,"end":4045.59,"sentiment":"neutral","sentiment_score":0.016658527310937643},{"text":"Yep.","start":4054.77,"end":4054.995,"sentiment":"neutral","sentiment_score":0.033044613897800446},{"text":"2025.","start":4057.5552,"end":4058.5352,"sentiment":"neutral","sentiment_score":0.014937824569642544},{"text":"When did you start the five milligrams?","start":4058.5952,"end":4060.6152,"sentiment":"neutral","sentiment_score":0.011866597857858454},{"text":"Yep.","start":4066.8352,"end":4067.01,"sentiment":"neutral","sentiment_score":0.04565643519163132}],"sentiment":"neutral","sentiment_score":0.017291013908106834,"num_words":16,"start":4043.81,"end":4067.01},{"sentences":[{"text":"Okay.","start":4069.17,"end":4069.49,"sentiment":"neutral","sentiment_score":0.06158005818724632},{"text":"And the seven is to be confirmed.","start":4069.49,"end":4071.75,"sentiment":"neutral","sentiment_score":0.07625262652124677},{"text":"Yep.","start":4074.1301,"end":4074.6301,"sentiment":"neutral","sentiment_score":0.04188891500234604},{"text":"And you just Yep.","start":4074.85,"end":4077.27,"sentiment":"neutral","sentiment_score":-0.009899546625092626},{"text":"No.","start":4078.61,"end":4079.11,"sentiment":"neutral","sentiment_score":-0.06070791929960251}],"sentiment":"neutral","sentiment_score":0.03835223235988191,"num_words":14,"start":4069.17,"end":4079.11},{"sentences":[{"text":"Yeah.","start":4079.17,"end":4079.41,"sentiment":"neutral","sentiment_score":-0.02681965008378029},{"text":"No.","start":4079.41,"end":4079.73,"sentiment":"neutral","sentiment_score":-0.08136267960071564},{"text":"I understand.","start":4079.73,"end":4080.39,"sentiment":"neutral","sentiment_score":-0.022145221009850502},{"text":"That's absolutely fine.","start":4080.61,"end":4082.07,"sentiment":"neutral","sentiment_score":0.22696031630039215},{"text":"After the seven point five, is it likely to go out more, or does it sit at that now?","start":4082.415,"end":4087.235,"sentiment":"neutral","sentiment_score":-0.047153678183492864}],"sentiment":"neutral","sentiment_score":-0.014135065703437878,"num_words":26,"start":4079.17,"end":4087.235},{"sentences":[{"text":"Yep.","start":4090.095,"end":4090.595,"sentiment":"neutral","sentiment_score":-0.05771232768893242},{"text":"Yep.","start":4094.095,"end":4094.495,"sentiment":"neutral","sentiment_score":-0.0746111273765564},{"text":"That's okay.","start":4094.495,"end":4095.135,"sentiment":"neutral","sentiment_score":0.09709647670388222},{"text":"I understand.","start":4095.135,"end":4095.7952,"sentiment":"neutral","sentiment_score":0.08332910388708115},{"text":"All Alright.","start":4097.455,"end":4098.33,"sentiment":"neutral","sentiment_score":0.12724102288484573}],"sentiment":"neutral","sentiment_score":0.06037621898576617,"num_words":8,"start":4090.095,"end":4098.33},{"sentences":[{"text":"Okay.","start":4098.33,"end":4098.83,"sentiment":"neutral","sentiment_score":0.2383049875497818},{"text":"Beautiful.","start":4099.0503,"end":4099.5503,"sentiment":"positive","sentiment_score":0.5139495730400085},{"text":"The only other set of questions I have relates to immediate family members, so that's being your mom, dad, and siblings, and just if they have had been diagnosed with any of these conditions.","start":4100.33,"end":4116.245,"sentiment":"neutral","sentiment_score":0.0006592756904223386},{"text":"First lot, heart disease, heart attack, or stroke, multiple cirrhosis, Parkinson's, or Alzheimer's, any muscular dystrophy, Huntington's, or motor neurone disease neuron.","start":4118.625,"end":4135.84,"sentiment":"neutral","sentiment_score":-0.04734849083152684},{"text":"Sorry.","start":4135.84,"end":4136.34,"sentiment":"neutral","sentiment_score":-0.08012138307094574}],"sentiment":"neutral","sentiment_score":-0.005883360123735363,"num_words":59,"start":4098.33,"end":4136.34},{"sentences":[{"text":"Any bowel cancer or melanoma, any polycystic kidney disease, any breast or ovarian cancer, cardiomyopathy.","start":4137.2803,"end":4153.1953,"sentiment":"neutral","sentiment_score":-0.09479131201903025},{"text":"That's to do with the heart.","start":4157.24,"end":4158.52,"sentiment":"neutral","sentiment_score":-0.1495066906015078},{"text":"So that's the heart being from my recollection.","start":4158.52,"end":4164.3003,"sentiment":"neutral","sentiment_score":-0.0954782385379076},{"text":"It's small or large in size?","start":4166.92,"end":4168.8604,"sentiment":"neutral","sentiment_score":-0.1335351119438807},{"text":"Nope.","start":4170.7603,"end":4171.2603,"sentiment":"neutral","sentiment_score":-0.2094506025314331}],"sentiment":"neutral","sentiment_score":-0.11370547239979108,"num_words":36,"start":4137.2803,"end":4171.2603},{"sentences":[{"text":"Any mental health condition?","start":4171.815,"end":4173.275,"sentiment":"neutral","sentiment_score":-0.15262398682534695},{"text":"Any diabetes?","start":4175.575,"end":4176.475,"sentiment":"neutral","sentiment_score":-0.11930044367909431},{"text":"And any other condition that you can think of that could potentially be hereditary.","start":4179.735,"end":4191.27,"sentiment":"neutral","sentiment_score":-0.1420427206903696},{"text":"Absolutely fine.","start":4191.27,"end":4192.0703,"sentiment":"positive","sentiment_score":0.3927638828754425},{"text":"Absolutely fine.","start":4192.0703,"end":4193.11,"sentiment":"positive","sentiment_score":0.4859548509120941}],"sentiment":"neutral","sentiment_score":-0.0450107273645699,"num_words":24,"start":4171.815,"end":4193.11},{"sentences":[{"text":"Alright.","start":4193.11,"end":4193.61,"sentiment":"positive","sentiment_score":0.4543776512145996},{"text":"Thank you for taking the time.","start":4193.67,"end":4195.0303,"sentiment":"positive","sentiment_score":0.711642861366272},{"text":"That's the end of that invasive questionnaire.","start":4195.0303,"end":4197.93,"sentiment":"neutral","sentiment_score":0.25093570564474377},{"text":"What I'm gonna do is I'm gonna put together our a summary email for you, send it through.","start":4199.165,"end":4205.4053,"sentiment":"neutral","sentiment_score":0.2789928052160475},{"text":"I'm gonna reach out to you on Friday.","start":4205.4053,"end":4207.745,"sentiment":"neutral","sentiment_score":0.2584026772528887}],"sentiment":"positive","sentiment_score":0.33924691677093505,"num_words":40,"start":4193.11,"end":4207.745},{"sentences":[{"text":"And in that time frame, I might get a pre assessment done.","start":4208.5254,"end":4213.89,"sentiment":"neutral","sentiment_score":0.16572403038541475},{"text":"So when I do speak with you on Friday, I have a pretty good idea of what we can do insurance wise and if there's any limitations that we have.","start":4214.0303,"end":4221.89,"sentiment":"neutral","sentiment_score":0.12491941849390666},{"text":"But that's it.","start":4224.0303,"end":4225.0103,"sentiment":"neutral","sentiment_score":0.14844830830891928},{"text":"Oh, beautiful.","start":4225.31,"end":4226.0303,"sentiment":"positive","sentiment_score":0.5359856486320496},{"text":"Well, thanks.","start":4226.0303,"end":4227.0103,"sentiment":"positive","sentiment_score":0.42435356974601746}],"sentiment":"neutral","sentiment_score":0.1653529445127565,"num_words":49,"start":4208.5254,"end":4227.0103},{"sentences":[{"text":"No.","start":4227.47,"end":4227.79,"sentiment":"neutral","sentiment_score":0.01971536874771118},{"text":"Thank you.","start":4227.79,"end":4228.455,"sentiment":"positive","sentiment_score":0.36249925196170807},{"text":"And I will talk to you again on Friday.","start":4228.455,"end":4230.715,"sentiment":"neutral","sentiment_score":0.291462919778294},{"text":"Thanks, Kat.","start":4233.815,"end":4234.375,"sentiment":"positive","sentiment_score":0.6415530145168304},{"text":"You too.","start":4234.375,"end":4234.855,"sentiment":"positive","sentiment_score":0.4958964139223099}],"sentiment":"positive","sentiment_score":0.3526736879721284,"num_words":16,"start":4227.47,"end":4234.855},{"sentences":[{"text":"Bye bye.","start":4234.855,"end":4235.5947,"sentiment":"neutral","sentiment_score":0.24579473584890366},{"text":"Bye.","start":4236.6147,"end":4237.1147,"sentiment":"neutral","sentiment_score":-0.10530171543359756}],"sentiment":"neutral","sentiment_score":0.12876258542140326,"num_words":3,"start":4234.855,"end":4237.1147}]}}]},{"alternatives":[{"transcript":"Hi. If you record your name and reason for calling, I'll see if this person is available. Hello. Kat speaking. I'm good. How are you? Yeah. That's fine. No problem. Yes. Sure, sir. My name is Martha Halston, I guess. Address is 90 Garron Avenue, Waller, In Victoria 3 7 50, and my date of birth is 08/04/1994. Fantastic. Beautiful. Yeah. Sure. So pretty much, I just wanted to sort of start sort of wild building for myself and my daughter, like, my single mom, and just wanna sort of set myself up and, in particular, my daughter up if, god forbid, anything happens, like, she's sort of set up, like, for the future. Yeah. That's my main purpose, to be honest. She's 10. I don't know. Sir, it's spelled n a l e d I, so it's pronounced Naledi. No. So n a l e d I. So in terms of, like, if anything were to happen to me, she's sort of covered in terms of university, any educational, any other life cost any life covers that she requires. And for me, it means mhmm. Yes. That's correct. Yep. For me, definitely just seeing if I can have a a life insurance that sorta would be able to cover me. For a bit of background, I am a solo mom. I'm working full time. I'm the main parent for my daughter. The other parent lives in South Africa, but not really in doesn't help anything financially. So I just wanna sorta set myself up and my daughter properly. For me, it would be it's important because I'm working if anything were to happen to me, like, if I would have, like, some form of cover in terms of TBD, if like, work cover or stuff like that as well. Yeah. I'm open to I'm reviewing my zipper as well. To be honest, to be able to retire comfortably, given the current circumstances of the market, yeah, I just wanna be able to retire comfortably, still sort of maintain the lifestyle that I have or even better. Obviously, as I get older and progress career wise, I'm aiming to make more money down the track and career progression and stuff and eventually have more kids and stuff like that as well. So I just wanna set myself up for the future at the moment. Yeah. Around figure, probably, like, a million dollars. Sorry. Yeah. Okay. So at the moment, per fortnight, I'm earning $2.04. So let's say comfortably, I would say between three and three and a half a fortnight would be comfortable for me. Yep. Mhmm. Yes. That's correct. Yes. Yeah. That's fine. No problem. I don't have I've started seeing someone, but it's not, like, life building, if that makes sense. The customers are single in terms of my own stuff. Yeah. That's it. Yeah. Probably my mom's now. Elsie. Yeah. Yeah. E l I s. Yes. Different. I'll give you a sentence. It's spelled m o g o m o t s. 0459975517. That's correct. Yes. Yes. Yes. I do. Yeah. Because I live with my sister, so some of my girls are scared. Yep. Yeah. So we split, like, rent and household bills. Anything that I really pay for myself would be, like, my or in color and insurance, etcetera. Okay. That I've given to you. Yes. That's correct. Yep. Yes. I make my own after tax contribution of $50 and $4.09. Yep. I've said I claimed it for last financial year. Yep. I was a bit unsure on how to do it. Like, since the last conversation I had with Madison, I did reach out to my payroll just to find out. So if I were to happen to move over to a few months, I think I wanna start it once everything is set up properly. Then I'll start the contribution because they've given me, like, tech firm and stuff. Yeah. That's correct. Yep. Yes. That's correct. Yeah. $2.07. No. Mainly my car loan and my personal loan. That's about it. I did incur a text a tax debt, but I'm paying that one off as well. So I don't know if that's needed. At the moment, 4 9. Oh, this is for the 2425 financial year, but I'm just paying that one off at the moment. Yep. Yep. That's all done. It's due in 2023. So it's '23 and '24. Yep. No. That's correct. Yes. That's correct. Yeah. So Menjarra is, like, a GPL one injection similar to, like, Ozempic. It's fine. Yeah. That's great. Yeah. Yes. I am. Yep. Yes. That's correct. Yep. No worry. I don't have a way on the place. Yeah. I know. No. Yes. I would say average. Yep. I'm familiar with a few things. I would say basic, to be honest. I'd say I'm in the middle. I'm more, like, curious, but I haven't really got in and sort of been, like, take high risk investments. Probably, hi, this bank account. I've had, like, shares, but they were just kinda, like, like, your shares and raise. Yeah. Yep. Yes. I'm moderate risk. No. It's fine. Up to 50%. Invest moderately. 8% and about. I'll say I'm more cautious, but I wasn't overtly too worried. Yeah. Moderate. Yeah. Mhmm. I see balance. No. Not really. No. I am looking to get into type in some property market for unoccupied and eventually investment property. So I'd say in terms of property, it's something that I'm willing to borrow money for. Yes. I'll be comfortable. Yeah. Mhmm. Yeah. Okay. Mhmm. I'm 30 two. Yep. That's crazy. Oh my gosh. Singleize that. Yep. Yep. Your reception's cutting in and out. Mhmm. Okay. Okay. No problem. She's yeah. Because she's start she's 10. So she's she'll be in high school in, like, two years. So I'm I am trying to be wise and just sort of kinda set her up, like you know what I mean? So I would weigh up the options too. I don't wanna leave it for too late, but if I could start now and then just bit by bit, just gradually increase it, especially for, like, things like high school and university. Those are the two things there where the the cost do sort of go up. Primary school has been okay, but I do acknowledge that high school and uni is gonna come with a lot of cost affiliated with it. At the moment, I started I started this year, just to sort of start saving up for, like, your education and stuff like that as well. Yep. Per fortnight. I work in a fortnightly basis, so I just put a $100 a fortnight into a savings account. It's kinda, like, out of sight, out of mind, but I can always check. Yeah. Yeah. Yes. Oh, okay. This is for tonight. Yep. Yep. Something definitely down the track. It's it's good to know just to weigh up your options. Yeah. Yeah. Always. Mhmm. Yeah. Yeah. Okay. Okay. No. Yeah. It's not. Okay. Mhmm. Yes. Okay. Mhmm. Okay. Okay. I think at the present moment, it would be income protection, TPD, and life insurance. Just wanted to get better. Thirty days seems to be standard, like, similar to, like, a term deposit. So thirty days is fine. Five years means yeah. Yes. Mhmm. Oh, that's a tough question. Yeah. Of course. Obviously, you wanna make sure your babies are good. I feel like for me, it's just having having financial security for her is important to me. Like, I don't god forbid, I don't want her having to struggle to find a place to live or let's just say removing all external factors if my mom's not here or my sister or my dad or anyone. Mhmm. Just so I had to, like, have a roof over her head, and she doesn't have to worry about the little cost of, like, you know, having to pay for the house, etcetera, just to make sure. She's sort of kinda set up and, like, a little bit of a nest egg will be ideal for her. Yeah. But in terms of dollar figures, I'm not too sure, to be honest. Yeah. You're welcome. Yeah. If anything were to happen, at least she has a little bit of a buffer. You know? Yeah. Well, I'm looking at realestate.com, like, in the suburb that I'm living in. Like, for example, like, at the moment, like, a three bedroom, two bathroom townhouse is priced between 500 and 10 to 560,000. So that's, like, a basic townhouse. Yeah. Yeah. But I think that'll be more than enough. Yeah. As of present, I mean, I haven't thought about the dollar figures, to be honest. That's something that I'll have to consider and weigh up as she gets older. Thank you. Yeah. I don't know. I don't know. Okay. At school, she does go to a government school, so nothing I think more her expenses would be things like uniform, school lunches, and at the moment, she does, like, extracurricular activities such as dance and swimming. Mhmm. I thought she do. Yeah. Those are. Yeah. Looking, there is a private school that I'm interested in for her, but I don't also mind, like, a public school. But I am also looking for a really good public school in our area. So but I'm more leaning towards private. Okay. Beautiful. Look. No. No. No. I'm so sorry. They're they're good questions. It gets you thinking, to be honest. Yeah. Not that I can think of on top of my head, to be honest. If I have any questions, I'll email you. Yeah. Yeah. Yes. I can hear you. It just goes you know, if you you know the sound of like someone's going on the water. Yeah. You love swimming? Yeah. Place what? 50. Mhmm. Okay. Yeah. No. It's fine. I work for the bank, so I understand. Yep. Yep. Yeah. That's true. Yeah. I I do it as well, so don't worry. I understand. Yes. Yeah. I understand. Yep. The ID. Yeah. Hi. Yes. The number I'm just going to start the the verification, it's fine, while you're on the call. Okay. Uh-huh. Yeah. The the fun conversation. Yeah. Okay. Yes. Okay. Yeah. Of course. Yep. Okay. Yes. At the present moment, I'm fine just managing myself. But if I do need further assistance, I'll just reach out. Yeah. Nope. Okay. Okay. No problem. Yeah. If you can send me through a summary email, that'd be great. But I so it's something that I've I'm interested in. I did have a conversation with my partner, and he kinda gave me the ins and outs of it. So it's something that I'm comfortable about it. So yeah. Alright. Yeah. That's fine. No problem. I work from home on Friday, so I don't have too much of a busy schedule. Beautiful. It's all done. I have completed it. Okay. I may as well to get the ball rolling. Yeah. Just to the office in the city twice a day twice a week. Yeah. Just dealing with people's money, really, but no. None none of the above. No. No. I do from time to time. Well, I started, like, I started, like, five. From time to time, I have started to just to do Uber, just five houses for extra cash, but it's not something that I'm consistent with. Yeah. I'm trying to travel, but not to relocate yet. We don't have solar plans there, but looking to travel to Japan in the next twelve months. Yep. Yeah. Just a holiday. No. I really wanna go for the cherry blossom season. Yeah. I've never been, so I'm really excited. I've heard beautiful things about Japan. So, yeah, I'm, like, I'm really excited. Yeah. I really I used to Pilates once in a while and but mainly just mainly just gym, Pilates, and then swimming. Those are, like, my main just, like, your regular and regular stuff. Yeah. No. Nope. Not a small guy. Nope. I'm an occasional drinker once in a blooming, to be honest. Yeah. For a week, none for a week. But the last time I drank was, like, two months ago. Like, I'm not a really big drinker. Yeah. I get that. Absolutely. Yeah. Last twelve months. So I started off with a hundred and fourteen kilos of one eighty. So I was about ten kilos. Ten and a bit kilos. Yeah. A hundred and forty two kilos. Now I'm roughly, like, one zero three, one zero two. I mean, like, borderline. Okay. Yep. Yep. Oh, thank you. Yeah. Health reasons. Yeah. Just really health reasons and stuff like that and just wanted to show confidence and stuff. I did I was in the IUD, so I gave quite a bit of weight from that. So I just wanted to sort of just leave the weight, so my doctor just put me on the g p l t GLP one and, yeah, to go from there. Yeah. Apart from, yes, normal sick leave. No. Yeah. No. Not really. At hutchwood, no. I haven't. Yeah. No. I haven't applied for any form of insurance. No. No. No. But I have seeked for counseling for domestic violence, and I've been on the health care plan. Twelve months twelve to eighteen months ago. Yep. No. Thank you. No. None. No. Not really. No. Nope. No. That's okay. That's fine. We have you have to ask them. It's all good. No. No. I just say Barclays. None. No. No. I was my GP was concerned about having a fatty liver. That's one of the reasons why I had to be but it's been monitored. It's fine now. It just has to do problem with the weight. Yep. Yep. I went for my annual blood test at the start of the year. Am due for one now. But when I have my blood test at the start of the year, everything checked out to be fine. I can't remember. No. K. Two terminations. That's about it. Two terminations. Surgical. Yes. Surgical. Yep. No. That's okay. It's fine. No. I after my termination last year, I had, like, a bit of BV. That was more of a side effect if they wanted that information, but it was treated. Yeah. Yeah. I know. I just answered that. It was it was last year when I was about to start my mangera because I went for, like, my annual blood test, and then the doctor just raised concerns about the fatty liver. I can get the blood test results from last year. My most recent. Yeah. I can ask them to give me my all my bloods in the last twelve months if required. Okay. Yeah. Oh, okay. Yeah. Okay. That's good to know. Yep. Okay. Thank you so much for holding. Thank you for letting me know that. Okay. I saw a therapist for about three to six months, but it was more on and off. It wasn't more, like, consistent. But, yeah, it was something that I was seeing probably. I was just like I was just u e I was utilizing the EAP program at work. No. Now I just do an occasional check-in just just to make sure I'm okay with just a different therapist, but none that has to do because I'm I'm no longer in that relationship anymore. Yep. Yeah. Good one. Yeah. Good one. So I started from two point five milligrams. Now I'm on five milligrams. So the next dose would be after my daughter's happy, it will be seven point five. But at the moment, I'm on five milligrams, and I take it once a week. So it's a four week, yeah, four week dose. I I started the Menjaro, I'd say, September, October last year. Yep. The five milligrams are started later this year, so around about April, May. I'm still on the five milligrams at the moment here. To be confirmed. Yeah. Because you need a script for it. So it's for something that yeah. I'm gonna leave it at the seven point five because the other ones yeah. No. It's too it's costly. Sorry. Alright. Mhmm. Okay. No. No. No. No. No. No. What's that? Sorry. No. No. No. Not that I know of, but I can always double check with my mom, to be honest. Okay. Beautiful. It sounds good. Yep. Thank you so much. Alright. Thank you so much for you. Have a good day, and take care. Same. 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If you record your name and reason for calling, I'll see if this person is available. Hello. Kat speaking. I'm good.\n\nHow are you? Yeah. That's fine. No problem. Yes.\n\nSure, sir. My name is Martha Halston, I guess. Address is 90 Garron Avenue, Waller, In Victoria 3 7 50, and my date of birth is 08/04/1994. Fantastic. Beautiful.\n\nYeah. Sure. So pretty much, I just wanted to sort of start sort of wild building for myself and my daughter, like, my single mom, and just wanna sort of set myself up and, in particular, my daughter up if, god forbid, anything happens, like, she's sort of set up, like, for the future. Yeah. That's my main purpose, to be honest.\n\nShe's 10. I don't know. Sir, it's spelled n a l e d I, so it's pronounced Naledi. No. So n a l e d I.\n\nSo in terms of, like, if anything were to happen to me, she's sort of covered in terms of university, any educational, any other life cost any life covers that she requires. And for me, it means mhmm. Yes. That's correct. Yep.\n\nFor me, definitely just seeing if I can have a a life insurance that sorta would be able to cover me. For a bit of background, I am a solo mom. I'm working full time. I'm the main parent for my daughter. The other parent lives in South Africa, but not really in doesn't help anything financially.\n\nSo I just wanna sorta set myself up and my daughter properly. For me, it would be it's important because I'm working if anything were to happen to me, like, if I would have, like, some form of cover in terms of TBD, if like, work cover or stuff like that as well. Yeah. I'm open to I'm reviewing my zipper as well. To be honest, to be able to retire comfortably, given the current circumstances of the market, yeah, I just wanna be able to retire comfortably, still sort of maintain the lifestyle that I have or even better.\n\nObviously, as I get older and progress career wise, I'm aiming to make more money down the track and career progression and stuff and eventually have more kids and stuff like that as well. So I just wanna set myself up for the future at the moment. Yeah. Around figure, probably, like, a million dollars. Sorry.\n\nYeah. Okay. So at the moment, per fortnight, I'm earning $2.04. So let's say comfortably, I would say between three and three and a half a fortnight would be comfortable for me. Yep.\n\nMhmm. Yes. That's correct. Yes. Yeah.\n\nThat's fine. No problem. I don't have I've started seeing someone, but it's not, like, life building, if that makes sense. The customers are single in terms of my own stuff. Yeah.\n\nThat's it. Yeah. Probably my mom's now. Elsie. Yeah.\n\nYeah. E l I s. Yes. Different. I'll give you a sentence.\n\nIt's spelled m o g o m o t s. 0459975517. That's correct. Yes. Yes.\n\nYes. I do. Yeah. Because I live with my sister, so some of my girls are scared. Yep.\n\nYeah. So we split, like, rent and household bills. Anything that I really pay for myself would be, like, my or in color and insurance, etcetera. Okay. That I've given to you.\n\nYes. That's correct. Yep. Yes. I make my own after tax contribution of $50 and $4.09.\n\nYep. I've said I claimed it for last financial year. Yep. I was a bit unsure on how to do it. Like, since the last conversation I had with Madison, I did reach out to my payroll just to find out.\n\nSo if I were to happen to move over to a few months, I think I wanna start it once everything is set up properly. Then I'll start the contribution because they've given me, like, tech firm and stuff. Yeah. That's correct. Yep.\n\nYes. That's correct. Yeah. $2.07. No.\n\nMainly my car loan and my personal loan. That's about it. I did incur a text a tax debt, but I'm paying that one off as well. So I don't know if that's needed. At the moment, 4 9.\n\nOh, this is for the 2425 financial year, but I'm just paying that one off at the moment. Yep. Yep. That's all done. It's due in 2023.\n\nSo it's '23 and '24. Yep. No. That's correct. Yes.\n\nThat's correct. Yeah. So Menjarra is, like, a GPL one injection similar to, like, Ozempic. It's fine. Yeah.\n\nThat's great. Yeah. Yes. I am. Yep.\n\nYes. That's correct. Yep. No worry. I don't have a way on the place.\n\nYeah. I know. No. Yes. I would say average.\n\nYep. I'm familiar with a few things. I would say basic, to be honest. I'd say I'm in the middle. I'm more, like, curious, but I haven't really got in and sort of been, like, take high risk investments.\n\nProbably, hi, this bank account. I've had, like, shares, but they were just kinda, like, like, your shares and raise. Yeah. Yep. Yes.\n\nI'm moderate risk. No. It's fine. Up to 50%. Invest moderately.\n\n8% and about. I'll say I'm more cautious, but I wasn't overtly too worried. Yeah. Moderate. Yeah.\n\nMhmm. I see balance. No. Not really. No.\n\nI am looking to get into type in some property market for unoccupied and eventually investment property. So I'd say in terms of property, it's something that I'm willing to borrow money for. Yes. I'll be comfortable. Yeah.\n\nMhmm. Yeah. Okay. Mhmm. I'm 30 two.\n\nYep. That's crazy. Oh my gosh. Singleize that. Yep.\n\nYep. Your reception's cutting in and out. Mhmm. Okay. Okay.\n\nNo problem. She's yeah. Because she's start she's 10. So she's she'll be in high school in, like, two years. So I'm I am trying to be wise and just sort of kinda set her up, like you know what I mean?\n\nSo I would weigh up the options too. I don't wanna leave it for too late, but if I could start now and then just bit by bit, just gradually increase it, especially for, like, things like high school and university. Those are the two things there where the the cost do sort of go up. Primary school has been okay, but I do acknowledge that high school and uni is gonna come with a lot of cost affiliated with it. At the moment, I started I started this year, just to sort of start saving up for, like, your education and stuff like that as well.\n\nYep. Per fortnight. I work in a fortnightly basis, so I just put a $100 a fortnight into a savings account. It's kinda, like, out of sight, out of mind, but I can always check. Yeah.\n\nYeah. Yes. Oh, okay. This is for tonight. Yep.\n\nYep. Something definitely down the track. It's it's good to know just to weigh up your options. Yeah. Yeah.\n\nAlways. Mhmm. Yeah. Yeah. Okay.\n\nOkay. No. Yeah. It's not. Okay.\n\nMhmm. Yes. Okay. Mhmm. Okay.\n\nOkay. I think at the present moment, it would be income protection, TPD, and life insurance. Just wanted to get better. Thirty days seems to be standard, like, similar to, like, a term deposit. So thirty days is fine.\n\nFive years means yeah. Yes. Mhmm. Oh, that's a tough question. Yeah.\n\nOf course. Obviously, you wanna make sure your babies are good. I feel like for me, it's just having having financial security for her is important to me. Like, I don't god forbid, I don't want her having to struggle to find a place to live or let's just say removing all external factors if my mom's not here or my sister or my dad or anyone. Mhmm.\n\nJust so I had to, like, have a roof over her head, and she doesn't have to worry about the little cost of, like, you know, having to pay for the house, etcetera, just to make sure. She's sort of kinda set up and, like, a little bit of a nest egg will be ideal for her. Yeah. But in terms of dollar figures, I'm not too sure, to be honest. Yeah.\n\nYou're welcome. Yeah. If anything were to happen, at least she has a little bit of a buffer. You know? Yeah.\n\nWell, I'm looking at realestate.com, like, in the suburb that I'm living in. Like, for example, like, at the moment, like, a three bedroom, two bathroom townhouse is priced between 500 and 10 to 560,000. So that's, like, a basic townhouse. Yeah. Yeah.\n\nBut I think that'll be more than enough. Yeah. As of present, I mean, I haven't thought about the dollar figures, to be honest. That's something that I'll have to consider and weigh up as she gets older. Thank you.\n\nYeah. I don't know. I don't know. Okay. At school, she does go to a government school, so nothing I think more her expenses would be things like uniform, school lunches, and at the moment, she does, like, extracurricular activities such as dance and swimming.\n\nMhmm. I thought she do. Yeah. Those are. Yeah.\n\nLooking, there is a private school that I'm interested in for her, but I don't also mind, like, a public school. But I am also looking for a really good public school in our area. So but I'm more leaning towards private. Okay. Beautiful.\n\nLook. No. No. No. I'm so sorry.\n\nThey're they're good questions. It gets you thinking, to be honest. Yeah. Not that I can think of on top of my head, to be honest. If I have any questions, I'll email you.\n\nYeah. Yeah. Yes. I can hear you. It just goes you know, if you you know the sound of like someone's going on the water.\n\nYeah. You love swimming? Yeah. Place what? 50.\n\nMhmm. Okay. Yeah. No. It's fine.\n\nI work for the bank, so I understand. Yep. Yep. Yeah. That's true.\n\nYeah. I I do it as well, so don't worry. I understand. Yes. Yeah.\n\nI understand. Yep. The ID. Yeah. Hi.\n\nYes. The number I'm just going to start the the verification, it's fine, while you're on the call. Okay. Uh-huh. Yeah.\n\nThe the fun conversation. Yeah. Okay. Yes. Okay.\n\nYeah. Of course. Yep. Okay. Yes.\n\nAt the present moment, I'm fine just managing myself. But if I do need further assistance, I'll just reach out. Yeah. Nope. Okay.\n\nOkay. No problem. Yeah. If you can send me through a summary email, that'd be great. But I so it's something that I've I'm interested in.\n\nI did have a conversation with my partner, and he kinda gave me the ins and outs of it. So it's something that I'm comfortable about it. So yeah. Alright. Yeah.\n\nThat's fine. No problem. I work from home on Friday, so I don't have too much of a busy schedule. Beautiful. It's all done.\n\nI have completed it. Okay. I may as well to get the ball rolling. Yeah. Just to the office in the city twice a day twice a week.\n\nYeah. Just dealing with people's money, really, but no. None none of the above. No. No.\n\nI do from time to time. Well, I started, like, I started, like, five. From time to time, I have started to just to do Uber, just five houses for extra cash, but it's not something that I'm consistent with. Yeah. I'm trying to travel, but not to relocate yet.\n\nWe don't have solar plans there, but looking to travel to Japan in the next twelve months. Yep. Yeah. Just a holiday. No.\n\nI really wanna go for the cherry blossom season. Yeah. I've never been, so I'm really excited. I've heard beautiful things about Japan. So, yeah, I'm, like, I'm really excited.\n\nYeah. I really I used to Pilates once in a while and but mainly just mainly just gym, Pilates, and then swimming. Those are, like, my main just, like, your regular and regular stuff. Yeah. No.\n\nNope. Not a small guy. Nope. I'm an occasional drinker once in a blooming, to be honest. Yeah.\n\nFor a week, none for a week. But the last time I drank was, like, two months ago. Like, I'm not a really big drinker. Yeah. I get that.\n\nAbsolutely. Yeah. Last twelve months. So I started off with a hundred and fourteen kilos of one eighty. So I was about ten kilos.\n\nTen and a bit kilos. Yeah. A hundred and forty two kilos. Now I'm roughly, like, one zero three, one zero two. I mean, like, borderline.\n\nOkay. Yep. Yep. Oh, thank you. Yeah.\n\nHealth reasons. Yeah. Just really health reasons and stuff like that and just wanted to show confidence and stuff. I did I was in the IUD, so I gave quite a bit of weight from that. So I just wanted to sort of just leave the weight, so my doctor just put me on the g p l t GLP one and, yeah, to go from there.\n\nYeah. Apart from, yes, normal sick leave. No. Yeah. No.\n\nNot really. At hutchwood, no. I haven't. Yeah. No.\n\nI haven't applied for any form of insurance. No. No. No. But I have seeked for counseling for domestic violence, and I've been on the health care plan.\n\nTwelve months twelve to eighteen months ago. Yep. No. Thank you. No.\n\nNone. No. Not really. No. Nope.\n\nNo. That's okay. That's fine. We have you have to ask them. It's all good.\n\nNo. No. I just say Barclays. None. No.\n\nNo. I was my GP was concerned about having a fatty liver. That's one of the reasons why I had to be but it's been monitored. It's fine now. It just has to do problem with the weight.\n\nYep. Yep. I went for my annual blood test at the start of the year. Am due for one now. But when I have my blood test at the start of the year, everything checked out to be fine.\n\nI can't remember. No. K. Two terminations. That's about it.\n\nTwo terminations. Surgical. Yes. Surgical. Yep.\n\nNo. That's okay. It's fine. No. I after my termination last year, I had, like, a bit of BV.\n\nThat was more of a side effect if they wanted that information, but it was treated. Yeah. Yeah. I know. I just answered that.\n\nIt was it was last year when I was about to start my mangera because I went for, like, my annual blood test, and then the doctor just raised concerns about the fatty liver. I can get the blood test results from last year. My most recent. Yeah. I can ask them to give me my all my bloods in the last twelve months if required.\n\nOkay. Yeah. Oh, okay. Yeah. Okay.\n\nThat's good to know. Yep. Okay. Thank you so much for holding. Thank you for letting me know that.\n\nOkay. I saw a therapist for about three to six months, but it was more on and off. It wasn't more, like, consistent. But, yeah, it was something that I was seeing probably. I was just like I was just u e I was utilizing the EAP program at work.\n\nNo. Now I just do an occasional check-in just just to make sure I'm okay with just a different therapist, but none that has to do because I'm I'm no longer in that relationship anymore. Yep. Yeah. Good one.\n\nYeah. Good one. So I started from two point five milligrams. Now I'm on five milligrams. So the next dose would be after my daughter's happy, it will be seven point five.\n\nBut at the moment, I'm on five milligrams, and I take it once a week. So it's a four week, yeah, four week dose. I I started the Menjaro, I'd say, September, October last year. Yep. The five milligrams are started later this year, so around about April, May.\n\nI'm still on the five milligrams at the moment here. To be confirmed. Yeah. Because you need a script for it. So it's for something that yeah.\n\nI'm gonna leave it at the seven point five because the other ones yeah. No. It's too it's costly. Sorry. Alright.\n\nMhmm. Okay. No. No. No.\n\nNo. No. No. What's that? Sorry.\n\nNo. No. No. Not that I know of, but I can always double check with my mom, to be honest. Okay.\n\nBeautiful. It sounds good. Yep. Thank you so much. Alright.\n\nThank you so much for you. Have a good day, and take care. Same. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.16,"end":0.48,"sentiment":"neutral","sentiment_score":0.03133566305041313},{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":0.48,"end":4.98,"sentiment":"neutral","sentiment_score":0.01513546728529036},{"text":"Hello.","start":12.0,"end":12.4,"sentiment":"neutral","sentiment_score":0.03469901531934738},{"text":"Kat speaking.","start":12.4,"end":13.139999,"sentiment":"neutral","sentiment_score":0.03286880347877741},{"text":"I'm good.","start":18.045,"end":18.685,"sentiment":"positive","sentiment_score":0.4003114104270935}],"sentiment":"neutral","sentiment_score":0.05338920830664309,"num_words":22,"start":0.16,"end":18.685},{"sentences":[{"text":"How are you?","start":18.685,"end":19.425,"sentiment":"neutral","sentiment_score":0.30594562490781146},{"text":"Yeah.","start":27.085,"end":27.325,"sentiment":"neutral","sentiment_score":0.05992636829614639},{"text":"That's fine.","start":27.325,"end":27.805,"sentiment":"neutral","sentiment_score":0.1137787364423275},{"text":"No problem.","start":27.805,"end":28.465,"sentiment":"neutral","sentiment_score":0.2134602889418602},{"text":"Yes.","start":46.364998,"end":46.605,"sentiment":"neutral","sentiment_score":0.029623888432979584}],"sentiment":"neutral","sentiment_score":0.1846516869134373,"num_words":9,"start":18.685,"end":46.605},{"sentences":[{"text":"Sure, sir.","start":46.605,"end":47.085,"sentiment":"neutral","sentiment_score":0.029623772017657757},{"text":"My name is Martha Halston, I guess.","start":47.085,"end":49.265,"sentiment":"neutral","sentiment_score":0.03776499017008713},{"text":"Address is 90 Garron Avenue, Waller, In Victoria 3 7 50, and my date of birth is 08/04/1994.","start":49.565,"end":58.385,"sentiment":"neutral","sentiment_score":0.03770219120714399},{"text":"Fantastic.","start":59.640003,"end":60.140003,"sentiment":"positive","sentiment_score":0.6650841236114502},{"text":"Beautiful.","start":60.36,"end":60.86,"sentiment":"positive","sentiment_score":0.6435518860816956}],"sentiment":"neutral","sentiment_score":0.07968544574647114,"num_words":29,"start":46.605,"end":60.86},{"sentences":[{"text":"Yeah.","start":84.575,"end":84.975,"sentiment":"neutral","sentiment_score":0.06089537963271141},{"text":"Sure.","start":84.975,"end":85.455,"sentiment":"neutral","sentiment_score":0.08477398008108139},{"text":"So pretty much, I just wanted to sort of start sort of wild building for myself and my daughter, like, my single mom, and just wanna sort of set myself up and, in particular, my daughter up if, god forbid, anything happens, like, she's sort of set up, like, for the future.","start":85.455,"end":101.17,"sentiment":"neutral","sentiment_score":0.09517659488707207},{"text":"Yeah.","start":101.675,"end":102.075005,"sentiment":"neutral","sentiment_score":0.052776530385017395},{"text":"That's my main purpose, to be honest.","start":102.075005,"end":105.295,"sentiment":"neutral","sentiment_score":0.05501045020563262}],"sentiment":"neutral","sentiment_score":0.08923712863977398,"num_words":62,"start":84.575,"end":105.295},{"sentences":[{"text":"She's 10.","start":108.155,"end":108.975,"sentiment":"neutral","sentiment_score":0.019378624856472015},{"text":"I don't know.","start":110.195,"end":112.655,"sentiment":"neutral","sentiment_score":-0.027023479342460632},{"text":"Sir, it's spelled n a l e d I, so it's pronounced Naledi.","start":115.435,"end":120.33,"sentiment":"neutral","sentiment_score":-0.00258046596382673},{"text":"No.","start":122.71,"end":123.21,"sentiment":"neutral","sentiment_score":-0.04172160103917122},{"text":"So n a l e d I.","start":124.229996,"end":127.13,"sentiment":"neutral","sentiment_score":-0.016645830922893116}],"sentiment":"neutral","sentiment_score":-0.009003910128600322,"num_words":26,"start":108.155,"end":127.13},{"sentences":[{"text":"So in terms of, like, if anything were to happen to me, she's sort of covered in terms of university, any educational, any other life cost any life covers that she requires.","start":137.265,"end":151.86,"sentiment":"neutral","sentiment_score":0.035997518338263035},{"text":"And for me, it means mhmm.","start":152.72,"end":154.9,"sentiment":"neutral","sentiment_score":0.03761418474217256},{"text":"Yes.","start":161.205,"end":161.52501,"sentiment":"neutral","sentiment_score":0.12461109459400176},{"text":"That's correct.","start":161.52501,"end":162.16501,"sentiment":"neutral","sentiment_score":0.22827836126089096},{"text":"Yep.","start":162.16501,"end":162.66501,"sentiment":"neutral","sentiment_score":0.24158814549446103}],"sentiment":"neutral","sentiment_score":0.05238956328304041,"num_words":42,"start":137.265,"end":162.66501},{"sentences":[{"text":"For me, definitely just seeing if I can have a a life insurance that sorta would be able to cover me.","start":166.325,"end":173.545,"sentiment":"neutral","sentiment_score":0.25658609469731647},{"text":"For a bit of background, I am a solo mom.","start":173.72,"end":176.28,"sentiment":"neutral","sentiment_score":0.040904635190963747},{"text":"I'm working full time.","start":176.28,"end":177.24,"sentiment":"neutral","sentiment_score":0.07682776357978582},{"text":"I'm the main parent for my daughter.","start":177.24,"end":179.81999,"sentiment":"neutral","sentiment_score":0.05066617578268051},{"text":"The other parent lives in South Africa, but not really in doesn't help anything financially.","start":180.28,"end":185.81999,"sentiment":"neutral","sentiment_score":-0.03926502615213394}],"sentiment":"neutral","sentiment_score":0.10298865321174003,"num_words":57,"start":166.325,"end":185.81999},{"sentences":[{"text":"So I just wanna sorta set myself up and my daughter properly.","start":185.88,"end":188.62,"sentiment":"neutral","sentiment_score":0.12177386010686557},{"text":"For me, it would be it's important because I'm working if anything were to happen to me, like, if I would have, like, some form of cover in terms of TBD, if like, work cover or stuff like that as well.","start":189.16501,"end":201.345,"sentiment":"neutral","sentiment_score":0.031201141273103108},{"text":"Yeah.","start":213.13,"end":213.37,"sentiment":"neutral","sentiment_score":0.12843400239944458},{"text":"I'm open to I'm reviewing my zipper as well.","start":213.37,"end":216.11,"sentiment":"neutral","sentiment_score":0.1236893195245001},{"text":"To be honest, to be able to retire comfortably, given the current circumstances of the market, yeah, I just wanna be able to retire comfortably, still sort of maintain the lifestyle that I have or even better.","start":224.265,"end":238.25,"sentiment":"neutral","sentiment_score":0.22867356643483444}],"sentiment":"neutral","sentiment_score":0.12443092949688435,"num_words":100,"start":185.88,"end":238.25},{"sentences":[{"text":"Obviously, as I get older and progress career wise, I'm aiming to make more money down the track and career progression and stuff and eventually have more kids and stuff like that as well.","start":239.03,"end":249.655,"sentiment":"neutral","sentiment_score":0.227431537473903},{"text":"So I just wanna set myself up for the future at the moment.","start":249.655,"end":253.355,"sentiment":"positive","sentiment_score":0.41509567774259126},{"text":"Yeah.","start":253.735,"end":254.235,"sentiment":"neutral","sentiment_score":0.1364404559135437},{"text":"Around figure, probably, like, a million dollars.","start":274.16,"end":277.78,"sentiment":"neutral","sentiment_score":-0.006688766713653292},{"text":"Sorry.","start":281.335,"end":281.835,"sentiment":"neutral","sentiment_score":0.022633282467722893}],"sentiment":"neutral","sentiment_score":0.23644943671700144,"num_words":56,"start":239.03,"end":281.835},{"sentences":[{"text":"Yeah.","start":281.975,"end":282.475,"sentiment":"neutral","sentiment_score":0.020319141447544094},{"text":"Okay.","start":290.455,"end":290.955,"sentiment":"neutral","sentiment_score":0.032061733305454254},{"text":"So at the moment, per fortnight, I'm earning $2.04.","start":291.59,"end":295.59,"sentiment":"neutral","sentiment_score":0.0344187379297283},{"text":"So let's say comfortably, I would say between three and three and a half a fortnight would be comfortable for me.","start":295.59,"end":303.66998,"sentiment":"neutral","sentiment_score":0.06944767554246244},{"text":"Yep.","start":303.66998,"end":304.16998,"sentiment":"neutral","sentiment_score":0.1415088027715683}],"sentiment":"neutral","sentiment_score":0.05945634864496462,"num_words":33,"start":281.975,"end":304.16998},{"sentences":[{"text":"Mhmm.","start":333.54,"end":334.005,"sentiment":"neutral","sentiment_score":0.024624928832054135},{"text":"Yes.","start":338.805,"end":339.20502,"sentiment":"neutral","sentiment_score":0.07853896170854568},{"text":"That's correct.","start":339.20502,"end":339.945,"sentiment":"neutral","sentiment_score":0.14877498149871826},{"text":"Yes.","start":346.965,"end":347.465,"sentiment":"neutral","sentiment_score":0.0602840930223465},{"text":"Yeah.","start":394.23502,"end":394.475,"sentiment":"neutral","sentiment_score":0.13166949152946472}],"sentiment":"neutral","sentiment_score":0.09877790634830792,"num_words":6,"start":333.54,"end":394.475},{"sentences":[{"text":"That's fine.","start":394.475,"end":394.955,"sentiment":"neutral","sentiment_score":0.2450331375002861},{"text":"No problem.","start":394.955,"end":395.695,"sentiment":"positive","sentiment_score":0.3643108457326889},{"text":"I don't have I've started seeing someone, but it's not, like, life building, if that makes sense.","start":408.68,"end":416.04,"sentiment":"neutral","sentiment_score":-0.09942082008894752},{"text":"The customers are single in terms of my own stuff.","start":416.04,"end":418.695,"sentiment":"neutral","sentiment_score":-0.05678643137216568},{"text":"Yeah.","start":419.415,"end":419.89502,"sentiment":"neutral","sentiment_score":0.027827033773064613}],"sentiment":"neutral","sentiment_score":-0.03160947671858594,"num_words":32,"start":394.475,"end":419.89502},{"sentences":[{"text":"That's it.","start":419.89502,"end":420.635,"sentiment":"neutral","sentiment_score":0.045502275228500366},{"text":"Yeah.","start":420.935,"end":421.435,"sentiment":"neutral","sentiment_score":0.10905037075281145},{"text":"Probably my mom's now.","start":430.375,"end":431.915,"sentiment":"neutral","sentiment_score":0.010936446022242308},{"text":"Elsie.","start":434.16998,"end":434.66998,"sentiment":"neutral","sentiment_score":0.0020014182664453983},{"text":"Yeah.","start":438.25,"end":438.73,"sentiment":"neutral","sentiment_score":0.009106822311878204}],"sentiment":"neutral","sentiment_score":0.02832321620856722,"num_words":9,"start":419.89502,"end":438.73},{"sentences":[{"text":"Yeah.","start":438.73,"end":438.97,"sentiment":"neutral","sentiment_score":0.007261338643729687},{"text":"E l I s.","start":438.97,"end":440.09,"sentiment":"neutral","sentiment_score":0.003090331272687763},{"text":"Yes.","start":440.09,"end":440.59,"sentiment":"neutral","sentiment_score":0.01088801771402359},{"text":"Different.","start":445.105,"end":445.42502,"sentiment":"neutral","sentiment_score":-0.0020700835157185793},{"text":"I'll give you a sentence.","start":445.42502,"end":446.545,"sentiment":"neutral","sentiment_score":0.0033497512340545654}],"sentiment":"neutral","sentiment_score":0.003765779508588215,"num_words":12,"start":438.73,"end":446.545},{"sentences":[{"text":"It's spelled m o g o m o t s.","start":446.545,"end":451.605,"sentiment":"neutral","sentiment_score":0.005631939228624106},{"text":"0459975517.","start":459.44,"end":467.06,"sentiment":"neutral","sentiment_score":0.005021037999540567},{"text":"That's correct.","start":470.725,"end":476.185,"sentiment":"neutral","sentiment_score":0.06482624262571335},{"text":"Yes.","start":482.565,"end":482.88,"sentiment":"neutral","sentiment_score":0.050579480826854706},{"text":"Yes.","start":493.04,"end":493.54,"sentiment":"neutral","sentiment_score":0.1199788898229599}],"sentiment":"neutral","sentiment_score":0.024103419079134863,"num_words":15,"start":446.545,"end":493.54},{"sentences":[{"text":"Yes.","start":494.88,"end":495.2,"sentiment":"neutral","sentiment_score":0.13910198211669922},{"text":"I do.","start":495.2,"end":495.86002,"sentiment":"neutral","sentiment_score":0.19802415370941162},{"text":"Yeah.","start":507.375,"end":507.535,"sentiment":"neutral","sentiment_score":-0.05120210349559784},{"text":"Because I live with my sister, so some of my girls are 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tonight.","start":1779.4049,"end":1780.5449,"sentiment":"neutral","sentiment_score":0.09483344294130802},{"text":"Yep.","start":1781.485,"end":1781.985,"sentiment":"neutral","sentiment_score":0.15935073792934418}],"sentiment":"neutral","sentiment_score":0.09977665129635069,"num_words":9,"start":1721.835,"end":1781.985},{"sentences":[{"text":"Yep.","start":1787.6449,"end":1788.1449,"sentiment":"neutral","sentiment_score":0.11907606571912766},{"text":"Something definitely down the track.","start":1794.59,"end":1796.27,"sentiment":"neutral","sentiment_score":-0.18346641957759857},{"text":"It's it's good to know just to weigh up your 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a little bit of a nest egg will be ideal for her.","start":2305.36,"end":2310.645,"sentiment":"neutral","sentiment_score":0.22838497087359427},{"text":"Yeah.","start":2310.645,"end":2310.965,"sentiment":"neutral","sentiment_score":0.0848621129989624},{"text":"But in terms of dollar figures, I'm not too sure, to be honest.","start":2310.965,"end":2314.0251,"sentiment":"neutral","sentiment_score":-0.0783143169604815},{"text":"Yeah.","start":2315.925,"end":2316.3252,"sentiment":"neutral","sentiment_score":0.1003132089972496}],"sentiment":"neutral","sentiment_score":0.14500271746267876,"num_words":72,"start":2296.8801,"end":2316.3252},{"sentences":[{"text":"You're welcome.","start":2316.3252,"end":2316.985,"sentiment":"positive","sentiment_score":0.3399374186992645},{"text":"Yeah.","start":2323.1099,"end":2323.5898,"sentiment":"neutral","sentiment_score":0.17710790038108826},{"text":"If anything were to happen, at least she has a little bit of a 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such as dance and swimming.","start":2476.345,"end":2491.645,"sentiment":"neutral","sentiment_score":0.10751474145296458}],"sentiment":"neutral","sentiment_score":0.06457732535070843,"num_words":45,"start":2406.985,"end":2491.645},{"sentences":[{"text":"Mhmm.","start":2492.7998,"end":2493.2998,"sentiment":"neutral","sentiment_score":0.04698933660984039},{"text":"I thought she do.","start":2493.3599,"end":2494.42,"sentiment":"neutral","sentiment_score":0.08288890868425369},{"text":"Yeah.","start":2495.3599,"end":2495.5999,"sentiment":"neutral","sentiment_score":0.1118653044104576},{"text":"Those are.","start":2495.5999,"end":2496.3398,"sentiment":"neutral","sentiment_score":0.12345044314861298},{"text":"Yeah.","start":2497.1199,"end":2497.6199,"sentiment":"neutral","sentiment_score":0.09976843744516373}],"sentiment":"neutral","sentiment_score":0.09300884438885583,"num_words":9,"start":2492.7998,"end":2497.6199},{"sentences":[{"text":"Looking, there is a private school that I'm interested in for her, but I don't also mind, like, a public school.","start":2507.055,"end":2516.415,"sentiment":"neutral","sentiment_score":0.07184917000787598},{"text":"But I am also looking for a really good public school in our area.","start":2516.415,"end":2519.215,"sentiment":"neutral","sentiment_score":0.15096693539193698},{"text":"So but I'm more leaning towards 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kilos.","start":3492.5051,"end":3493.965,"sentiment":"neutral","sentiment_score":-0.006520147435367107}],"sentiment":"neutral","sentiment_score":0.010671665309928358,"num_words":24,"start":3475.99,"end":3493.965},{"sentences":[{"text":"Ten and a bit kilos.","start":3496.105,"end":3497.325,"sentiment":"neutral","sentiment_score":-0.0101130785420537},{"text":"Yeah.","start":3497.385,"end":3497.885,"sentiment":"neutral","sentiment_score":0.009875478222966194},{"text":"A hundred and forty two kilos.","start":3503.27,"end":3504.81,"sentiment":"neutral","sentiment_score":0.007501067283252875},{"text":"Now I'm roughly, like, one zero three, one zero two.","start":3504.9502,"end":3507.75,"sentiment":"neutral","sentiment_score":0.006820079497992992},{"text":"I mean, like, 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know.","start":3860.875,"end":3861.1553,"sentiment":"neutral","sentiment_score":-0.02282099612057209},{"text":"I just answered that.","start":3861.1553,"end":3862.575,"sentiment":"neutral","sentiment_score":-0.0195696244481951}],"sentiment":"neutral","sentiment_score":-0.10764251715348412,"num_words":24,"start":3849.675,"end":3862.575},{"sentences":[{"text":"It was it was last year when I was about to start my mangera because I went for, like, my annual blood test, and then the doctor just raised concerns about the fatty liver.","start":3882.9949,"end":3892.215,"sentiment":"neutral","sentiment_score":-0.10356032300521345},{"text":"I can get the blood test results from last year.","start":3893.7102,"end":3896.9302,"sentiment":"neutral","sentiment_score":0.06137087382376194},{"text":"My most recent.","start":3896.99,"end":3898.29,"sentiment":"neutral","sentiment_score":0.02617919072508812},{"text":"Yeah.","start":3898.51,"end":3898.99,"sentiment":"neutral","sentiment_score":0.049999840557575226},{"text":"I can ask them to give me my all my bloods in the last twelve months if required.","start":3898.99,"end":3903.33,"sentiment":"neutral","sentiment_score":0.007260527203066481}],"sentiment":"neutral","sentiment_score":-0.040122959720478815,"num_words":66,"start":3882.9949,"end":3903.33},{"sentences":[{"text":"Okay.","start":3904.6702,"end":3905.1702,"sentiment":"neutral","sentiment_score":-0.016062911599874496},{"text":"Yeah.","start":3914.295,"end":3914.795,"sentiment":"neutral","sentiment_score":0.08759260922670364},{"text":"Oh, okay.","start":3919.815,"end":3920.7148,"sentiment":"neutral","sentiment_score":0.039056709967553616},{"text":"Yeah.","start":3922.295,"end":3922.77,"sentiment":"neutral","sentiment_score":-0.006150532513856888},{"text":"Okay.","start":3924.69,"end":3925.09,"sentiment":"neutral","sentiment_score":-0.03385046869516373}],"sentiment":"neutral","sentiment_score":0.018273686058819294,"num_words":6,"start":3904.6702,"end":3925.09},{"sentences":[{"text":"That's good to know.","start":3925.09,"end":3926.23,"sentiment":"neutral","sentiment_score":-0.2946469262242317},{"text":"Yep.","start":3935.41,"end":3935.73,"sentiment":"neutral","sentiment_score":-0.05012429505586624},{"text":"Okay.","start":3935.73,"end":3936.1301,"sentiment":"neutral","sentiment_score":-0.02422197535634041},{"text":"Thank you so much for holding.","start":3936.1301,"end":3937.335,"sentiment":"neutral","sentiment_score":-0.014497991651296616},{"text":"Thank you for letting me know that.","start":3937.415,"end":3942.155,"sentiment":"neutral","sentiment_score":0.08032464023147311}],"sentiment":"neutral","sentiment_score":-0.04092891808403166,"num_words":19,"start":3925.09,"end":3942.155},{"sentences":[{"text":"Okay.","start":3942.695,"end":3943.195,"sentiment":"neutral","sentiment_score":0.012724682688713074},{"text":"I saw a therapist for about three to six months, but it was more on and off.","start":3958.03,"end":3962.3499,"sentiment":"neutral","sentiment_score":-0.12822697749909232},{"text":"It wasn't more, like, consistent.","start":3962.3499,"end":3963.81,"sentiment":"neutral","sentiment_score":-0.1694279283285141},{"text":"But, yeah, it was something that I was seeing probably.","start":3964.405,"end":3966.905,"sentiment":"neutral","sentiment_score":-0.10468495339155197},{"text":"I was just like I was just u e I was utilizing the EAP program at work.","start":3967.0452,"end":3972.185,"sentiment":"neutral","sentiment_score":-0.1101284715182641}],"sentiment":"neutral","sentiment_score":-0.11866614252328872,"num_words":50,"start":3942.695,"end":3972.185},{"sentences":[{"text":"No.","start":3980.76,"end":3981.0,"sentiment":"neutral","sentiment_score":-0.1513139307498932},{"text":"Now I just do an occasional check-in just just to make sure I'm okay with just a different therapist, but none that has to do because I'm I'm no longer in that relationship anymore.","start":3981.0,"end":3992.22,"sentiment":"neutral","sentiment_score":-0.1112407920334269},{"text":"Yep.","start":3998.705,"end":3998.945,"sentiment":"neutral","sentiment_score":0.18316292762756348},{"text":"Yeah.","start":3998.945,"end":3999.445,"sentiment":"neutral","sentiment_score":0.2355522513389587},{"text":"Good one.","start":3999.905,"end":4000.305,"sentiment":"positive","sentiment_score":0.3349417895078659}],"sentiment":"neutral","sentiment_score":-0.07294620774113215,"num_words":39,"start":3980.76,"end":4000.305},{"sentences":[{"text":"Yeah.","start":4000.305,"end":4000.545,"sentiment":"neutral","sentiment_score":0.17808681726455688},{"text":"Good one.","start":4000.545,"end":4001.365,"sentiment":"neutral","sentiment_score":0.27325107157230377},{"text":"So I started from two point five milligrams.","start":4023.265,"end":4025.685,"sentiment":"neutral","sentiment_score":0.012573752086609602},{"text":"Now I'm on five milligrams.","start":4025.985,"end":4028.405,"sentiment":"neutral","sentiment_score":0.01183781772851944},{"text":"So the next dose would be after my daughter's happy, it will be seven point five.","start":4028.625,"end":4034.145,"sentiment":"neutral","sentiment_score":0.18352228961884975}],"sentiment":"neutral","sentiment_score":0.11939764686394483,"num_words":32,"start":4000.305,"end":4034.145},{"sentences":[{"text":"But at the moment, I'm on five milligrams, and I take it once a week.","start":4034.145,"end":4037.025,"sentiment":"neutral","sentiment_score":0.047320791085561115},{"text":"So it's a four week, yeah, four week dose.","start":4037.025,"end":4046.61,"sentiment":"neutral","sentiment_score":0.03534034908645683},{"text":"I I started the Menjaro, I'd say, September, October last year.","start":4046.99,"end":4054.0652,"sentiment":"neutral","sentiment_score":0.023564083332365208},{"text":"Yep.","start":4055.725,"end":4056.225,"sentiment":"neutral","sentiment_score":0.021641328930854797},{"text":"The five milligrams are started later this year, so around about April, May.","start":4061.3252,"end":4066.0652,"sentiment":"neutral","sentiment_score":0.02915004683801761}],"sentiment":"neutral","sentiment_score":0.03444228290903325,"num_words":49,"start":4034.145,"end":4066.0652},{"sentences":[{"text":"I'm still on the five milligrams at the moment here.","start":4066.1902,"end":4068.6902,"sentiment":"neutral","sentiment_score":0.049368903413414954},{"text":"To be confirmed.","start":4072.27,"end":4073.09,"sentiment":"neutral","sentiment_score":0.058541337649027504},{"text":"Yeah.","start":4073.2302,"end":4073.7302,"sentiment":"neutral","sentiment_score":0.057823579758405685},{"text":"Because you need a script for it.","start":4074.27,"end":4076.03,"sentiment":"neutral","sentiment_score":-0.0060683418331401685},{"text":"So it's for something that yeah.","start":4076.03,"end":4078.4502,"sentiment":"neutral","sentiment_score":0.0018084986368194222}],"sentiment":"neutral","sentiment_score":0.02575960095661382,"num_words":27,"start":4066.1902,"end":4078.4502},{"sentences":[{"text":"I'm gonna leave it at the seven point five because the other ones yeah.","start":4086.9548,"end":4091.1948,"sentiment":"neutral","sentiment_score":-0.06680002223168101},{"text":"No.","start":4091.1948,"end":4091.4348,"sentiment":"negative","sentiment_score":-0.4450337290763855},{"text":"It's too it's costly.","start":4091.4348,"end":4092.7349,"sentiment":"negative","sentiment_score":-0.5680576264858246},{"text":"Sorry.","start":4092.875,"end":4093.375,"sentiment":"neutral","sentiment_score":-0.2262100875377655},{"text":"Alright.","start":4094.47,"end":4094.97,"sentiment":"neutral","sentiment_score":0.02947729080915451}],"sentiment":"neutral","sentiment_score":-0.18329511157103948,"num_words":21,"start":4086.9548,"end":4094.97},{"sentences":[{"text":"Mhmm.","start":4108.79,"end":4109.29,"sentiment":"neutral","sentiment_score":-0.020920518785715103},{"text":"Okay.","start":4117.325,"end":4117.825,"sentiment":"neutral","sentiment_score":-0.016339605674147606},{"text":"No.","start":4122.285,"end":4122.785,"sentiment":"neutral","sentiment_score":-0.06074796989560127},{"text":"No.","start":4133.97,"end":4134.47,"sentiment":"neutral","sentiment_score":-0.06490449607372284},{"text":"No.","start":4135.17,"end":4135.67,"sentiment":"neutral","sentiment_score":-0.08029694855213165}],"sentiment":"neutral","sentiment_score":-0.04864190779626369,"num_words":5,"start":4108.79,"end":4135.67},{"sentences":[{"text":"No.","start":4135.785,"end":4136.285,"sentiment":"neutral","sentiment_score":-0.08321933448314667},{"text":"No.","start":4141.9727,"end":4142.4727,"sentiment":"neutral","sentiment_score":-0.07832532376050949},{"text":"No.","start":4150.8003,"end":4151.3003,"sentiment":"neutral","sentiment_score":-0.08913461863994598},{"text":"What's that?","start":4155.52,"end":4156.16,"sentiment":"neutral","sentiment_score":-0.07514424249529839},{"text":"Sorry.","start":4156.16,"end":4156.66,"sentiment":"neutral","sentiment_score":-0.1382301300764084}],"sentiment":"neutral","sentiment_score":-0.08986631532510121,"num_words":6,"start":4135.785,"end":4156.66},{"sentences":[{"text":"No.","start":4169.655,"end":4170.155,"sentiment":"neutral","sentiment_score":-0.19474120438098907},{"text":"No.","start":4174.215,"end":4174.715,"sentiment":"neutral","sentiment_score":-0.1440071165561676},{"text":"No.","start":4186.18,"end":4186.5,"sentiment":"neutral","sentiment_score":-0.08370393514633179},{"text":"Not that I know of, but I can always double check with my mom, to be honest.","start":4186.5,"end":4190.3604,"sentiment":"neutral","sentiment_score":-0.05703980935847058},{"text":"Okay.","start":4221.2847,"end":4221.7847,"sentiment":"neutral","sentiment_score":0.012699658051133156}],"sentiment":"neutral","sentiment_score":-0.06568711224411215,"num_words":21,"start":4169.655,"end":4221.7847},{"sentences":[{"text":"Beautiful.","start":4223.125,"end":4223.625,"sentiment":"positive","sentiment_score":0.5873333215713501},{"text":"It sounds good.","start":4223.685,"end":4224.505,"sentiment":"positive","sentiment_score":0.5902100404103597},{"text":"Yep.","start":4225.2847,"end":4225.605,"sentiment":"neutral","sentiment_score":0.1664762794971466},{"text":"Thank you so much.","start":4225.605,"end":4226.745,"sentiment":"positive","sentiment_score":0.5944709479808807},{"text":"Alright.","start":4230.965,"end":4231.2847,"sentiment":"positive","sentiment_score":0.4461091160774231}],"sentiment":"positive","sentiment_score":0.5348432630300521,"num_words":10,"start":4223.125,"end":4231.2847},{"sentences":[{"text":"Thank you so much for you.","start":4231.2847,"end":4232.005,"sentiment":"positive","sentiment_score":0.7891104817390442},{"text":"Have a good day, and take care.","start":4232.005,"end":4233.465,"sentiment":"positive","sentiment_score":0.7126435892922538},{"text":"Same.","start":4235.2847,"end":4235.7847,"sentiment":"neutral","sentiment_score":0.22794769704341888},{"text":"Bye.","start":4235.925,"end":4236.425,"sentiment":"neutral","sentiment_score":0.18009375035762787}],"sentiment":"positive","sentiment_score":0.6754139641920726,"num_words":15,"start":4231.2847,"end":4236.425}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi. If you record your name and reason for calling, I'll see if this person is available.\n\nChannel 0: Jenna from Oakview Financial.\n\nChannel 1: Hello. Kat speaking.\n\nChannel 0: Hi, Kat. This is Jenna here phoning from OCU Financial. How are you today?\n\nChannel 1: I'm good. How are you?\n\nChannel 0: I'm well. Thank you. Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay?\n\nChannel 1: Yeah. That's fine. No problem.\n\nChannel 0: Beautiful. Kat, part of our process that you'll become accustomed to is three points of ID. Just to verify that we're speaking with the correct person, can I just get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Yes. Sure, sir. My name is Martha Halston, I guess. Address is 90 Garron Avenue, Waller, In Victoria 3 7\n\nChannel 0: Yep.\n\nChannel 1: 50, and my date of birth is 08/04/1994.\n\nChannel 0: Fantastic.\n\nChannel 1: Fantastic.\n\nChannel 0: Beautiful.\n\nChannel 1: Beautiful.\n\nChannel 0: Okay. So thank you for reaching out for being interested in getting a starting the advice process. I guess for me, first and foremost, my questions for you would be, what is the purpose of you seeking advice? What are you hoping to achieve?\n\nChannel 1: Yeah. Sure. So pretty much, I just wanted to sort of start sort of wild building for myself and my daughter, like, my single mom, and just\n\nChannel 0: Yep.\n\nChannel 1: wanna sort of set myself up and, in particular, my daughter up if, god forbid, anything happens, like, she's sort of set up, like, for the future.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: That's my main purpose, to be honest.\n\nChannel 0: Okay. How was your daughter?\n\nChannel 1: She's 10.\n\nChannel 0: Oh, beautiful.\n\nChannel 1: I\n\nChannel 0: I got a 10 year old too.\n\nChannel 1: don't know.\n\nChannel 0: What what is her\n\nChannel 1: Sir, it's spelled n a l e d I, so it's pronounced Naledi.\n\nChannel 0: name? N a l e.\n\nChannel 1: No. So n a l e d\n\nChannel 0: Yep.\n\nChannel 1: I.\n\nChannel 0: Okay. Beautiful. Fantastic. Okay. So when you say set her up, protect her, what do you mean exactly?\n\nChannel 1: So in terms of, like, if anything were to happen to me, she's sort of covered in terms of university, any educational, any other life cost any life covers that she requires.\n\nChannel 0: Yep. Yep.\n\nChannel 1: And for\n\nChannel 0: So\n\nChannel 1: me, it means mhmm.\n\nChannel 0: so, basically so insurance, making sure that she's taken care of in the event that something does happen to you?\n\nChannel 1: Yes. That's correct. Yep.\n\nChannel 0: Yep. Beautiful. And for you?\n\nChannel 1: For me, definitely just seeing if I can have a a life insurance that sorta would be able to cover me. For a bit of background, I am a solo mom. I'm working full time. I'm the main parent for my daughter. The\n\nChannel 0: Mhmm.\n\nChannel 1: other parent lives in South Africa, but not really in doesn't help anything financially. So I just wanna sorta set myself up and my daughter properly.\n\nChannel 0: Yeah.\n\nChannel 1: For me, it would be it's important because I'm working if anything were to happen to me, like, if I would have, like, some form of cover in terms of TBD, if like, work cover or stuff like that as well.\n\nChannel 0: Yes. Yeah. Of course. Of course. Okay.\n\nPerfect. We can do that. That's what about your superannuation? Are you looking at reviewing that?\n\nChannel 1: Yeah. I'm open to I'm reviewing my zipper as well.\n\nChannel 0: Okay. With your super, what what is it? What would your goals be surrounding that? Is it\n\nChannel 1: To be honest, to be able to retire comfortably,\n\nChannel 0: yep.\n\nChannel 1: given the current circumstances of the market, yeah, I just wanna be able to retire comfortably, still sort of maintain the lifestyle that I have or even better.\n\nChannel 0: Yep.\n\nChannel 1: Obviously, as I get older and progress career wise, I'm aiming to make more money down the track and\n\nChannel 0: Yep.\n\nChannel 1: career progression and stuff and eventually have more kids and stuff like that as well. So\n\nChannel 0: Yep.\n\nChannel 1: I just wanna set myself up for the future at the\n\nChannel 0: Okay.\n\nChannel 1: moment. Yeah.\n\nChannel 0: Okay. So you mentioned the lifestyle that you currently have or better. What what is what does that mean in a dollar figure today in retirement? So if you were debt free, no expenses, just out there living your best life in retirement, what in today's dollars, what would that look like for you?\n\nChannel 1: Around figure, probably, like, a million dollars.\n\nChannel 0: Sorry. I'll make it easier, even better.\n\nChannel 1: Sorry. Yeah.\n\nChannel 0: How much income would you need a week or a fortnight? Because we can what we can do is work our way backwards there towards the plan.\n\nChannel 1: Okay. So at the moment, per fortnight, I'm earning $2.04. So let's say comfortably, I would say between three and three and a half a fortnight would be\n\nChannel 0: Yep.\n\nChannel 1: comfortable for me. Yep.\n\nChannel 0: Okay. Beautiful. Alright. Alright. I'm gonna work through just some basic information to get up to date on our system because I think that will lead into a couple of other different areas that we can touch on.\n\nSo what I'm going to do is first and foremost, make sure that I have the spelling of your name correct. It's k a t l e g\n\nChannel 1: Mhmm.\n\nChannel 0: o, and your surname, s e n e t e.\n\nChannel 1: Yes. That's correct.\n\nChannel 0: Beautiful. So and that's what's showing on your that's what shows on your ID?\n\nChannel 1: Yes.\n\nChannel 0: Yes. Beautiful. No. Because what I will do in a in a little bit is I'll send through a a link that will need you to verify your identity. So what we do, part of the legislation and rules with financial advice and also now real estate lawyers, they're we're all under the same umbrella now is we've got to verify that a person is who they say they are.\n\nSo it comes under the anti money laundering rules. And, yeah, it's a legislative requirement that we have to do. But rather than these days getting certified ID, it's a little bit simpler. We send you a link, and we can do it a different way. So that's the purpose of that, why I asked for the correct spelling to make sure when I put it in that it's correct.\n\nChannel 1: Yeah. That's fine. No problem.\n\nChannel 0: Beautiful. Alright. Now your I'm just moving down. Do you have a partner or a spouse?\n\nChannel 1: I don't have I've started seeing someone, but\n\nChannel 0: Yep.\n\nChannel 1: it's not, like, life building, if that makes sense. The customers are single in terms of my own\n\nChannel 0: Just\n\nChannel 1: stuff.\n\nChannel 0: dating. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: That's it. Yeah.\n\nChannel 0: That's fine. Do you have a next of kin that we wanna put record someone on file as?\n\nChannel 1: Probably my mom's now.\n\nChannel 0: Yep. What's her name?\n\nChannel 1: Elsie.\n\nChannel 0: E l I s e. Is that right?\n\nChannel 1: Yeah. Yeah. E l I s. Yes.\n\nChannel 0: Yes. And same surname as you or different?\n\nChannel 1: Different. I'll give you a sentence. It's spelled m o g o\n\nChannel 0: Yep.\n\nChannel 1: m o t s.\n\nChannel 0: M o t s. Yep. And what's her contact number?\n\nChannel 1: 0459975517.\n\nChannel 0: Zero four five nine nine seven five 517. Beautiful. Okay. I have your occupation\n\nChannel 1: That's\n\nChannel 0: down here as a retention banker with Westpac.\n\nChannel 1: correct.\n\nChannel 0: Yep. Beautiful. And you're full time at thirty eight hours a week?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Your income of $82,000 per annum. Yep. And you just received the 12% standard\n\nChannel 1: Yes.\n\nChannel 0: super.\n\nChannel 1: Yes. I do.\n\nChannel 0: Yep. Fantastic. And I have your expenditure here as just $1,986 per month. Is that correct?\n\nChannel 1: Yeah. Because I live with my sister, so some of my girls are scared.\n\nChannel 0: Okay. Yep. Okay. And that includes any rental, anything like that? And\n\nChannel 1: Yep. Yeah. So we split, like, rent and household bills. Anything that I really pay for myself would be, like, my or in color and insurance, etcetera.\n\nChannel 0: that's included in\n\nChannel 1: Okay.\n\nChannel 0: that amount that you've given to us?\n\nChannel 1: That I've given\n\nChannel 0: 500.\n\nChannel 1: to you. Yes. That's correct.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. Do you make any other contributions to super?\n\nChannel 1: Yes. I make my own after tax contribution of $50 and $4.09.\n\nChannel 0: Mhmm.\n\nChannel 1: Yep.\n\nChannel 0: You. Do you then claim that as a tax deduction?\n\nChannel 1: I've said I claimed it for last financial year.\n\nChannel 0: Yep. Okay. Is\n\nChannel 1: Yep.\n\nChannel 0: there any reason why you haven't set it up as a salary sacrifice or anything\n\nChannel 1: I\n\nChannel 0: like that?\n\nChannel 1: was a bit unsure on how to do it. Like, since the last\n\nChannel 0: Yep.\n\nChannel 1: conversation I had with Madison, I did reach out to my payroll just to find out. So if I were to happen to move over to a few months, I think I wanna start it once everything is set up properly. Then I'll\n\nChannel 0: Yes.\n\nChannel 1: start the contribution because they've given me, like, tech firm and stuff.\n\nChannel 0: Beautiful. Fantastic.\n\nChannel 1: Yeah.\n\nChannel 0: Alright. Now now with assets and liabilities, I have a Mercedes here valued at 35,000 and a debt of 36. Is that right?\n\nChannel 1: That's correct. Yep.\n\nChannel 0: Yep. Okay. And a Westpac personal loan of 2.5\n\nChannel 1: Yes.\n\nChannel 0: $0.02\n\nChannel 1: That's\n\nChannel 0: thousand\n\nChannel 1: correct.\n\nChannel 0: 700. Sorry.\n\nChannel 1: Yeah. $2.07.\n\nChannel 0: Yep. Beautiful. Any other assets and liabilities?\n\nChannel 1: No. Mainly my car loan and my personal loan. That's about it. I did incur a text a tax debt, but I'm paying that one off as well. So I don't\n\nChannel 0: Okay.\n\nChannel 1: know if that's needed.\n\nChannel 0: How much is that\n\nChannel 1: At the moment, 4\n\nChannel 0: at?\n\nChannel 1: 9.\n\nChannel 0: Yep. Okay. Alright.\n\nChannel 1: Oh, this is for the 2425 financial year, but I'm just paying that one off at the moment.\n\nChannel 0: Yeah. No. That's\n\nChannel 1: Yep.\n\nChannel 0: absolutely fine. And I see that you had a part nine debt agreement.\n\nChannel 1: Yep. That's all\n\nChannel 0: Yep.\n\nChannel 1: done. It's due in 2023. So it's '23 and '24. Yep.\n\nChannel 0: Yep. Okay. Beautiful. Alright. And you're a nonsmoker?\n\nChannel 1: No.\n\nChannel 0: Yeah. And you've been on a weight loss journey. Is that\n\nChannel 1: That's\n\nChannel 0: right?\n\nChannel 1: correct. Yes.\n\nChannel 0: Yeah.\n\nChannel 1: That's correct. Yeah.\n\nChannel 0: Excuse my ignorance. I have no idea what this is, but can you tell me what Manjaro is?\n\nChannel 1: So Menjarra is, like, a GPL one injection similar to, like, Ozempic.\n\nChannel 0: Yep. Okay. Beautiful.\n\nChannel 1: It's fine. Yeah. That's great.\n\nChannel 0: Alright. Okay. And are you still on that injection?\n\nChannel 1: Yeah. Yes. I am. Yep.\n\nChannel 0: Yep. Okay. And I have your height at a hundred and fifty seven centimeters and your weight at a hundred and two.\n\nChannel 1: Yes. That's correct. Yep.\n\nChannel 0: Beautiful. And your estate planning, do you have any of that in place? Will's power\n\nChannel 1: No\n\nChannel 0: of attorney?\n\nChannel 1: worry. I don't have a way on the place.\n\nChannel 0: Okay. Well, that's something we're gonna talk about, especially with your daughter.\n\nChannel 1: Yeah. I know.\n\nChannel 0: Alright. And then for these types of questions, are you a tax resident of any other country?\n\nChannel 1: No.\n\nChannel 0: No. Fantastic. Alright. What I'm going to do now is I'm just gonna jump over, and it's part of our process to complete a what we call a risk profile. So this the what this will help us do in reference to your superannuation or and future wealth building, being a single mom and working towards those goals for your daughter is just help us understand your tolerance to risk, what levels of risk you're willing to take.\n\nAnd it would be likely different if you looked at it from a like, your superannuation balance, which you have a long term investment time frame. Whereas if it was something maybe in your personal name, your risk tolerance may be less in that scenario. So what I'm gonna do is ask these questions based on your superannuation at this stage.\n\nChannel 1: Yes.\n\nChannel 0: So if you can answer them thinking of your super balance when we talk about other investment options, yeah, in a little bit, we can then tailor our conversation differently to suit your tolerance to risk then. So how would you rate your willingness to take financial risk? Would you be very high, high, average, low, or very low?\n\nChannel 1: I would say average.\n\nChannel 0: Average. Yep.\n\nChannel 1: Yep.\n\nChannel 0: How familiar are you with investment markets? Are you comfortable with invest your investment knowledge? Are you aware that investments fluctuate? Do you have a good market grasp that you're still learning, basic investment knowledge, or you're not familiar?\n\nChannel 1: I'm familiar with a few things. I would say basic, to be honest.\n\nChannel 0: Yep. Okay. How would you describe your experience and understanding of investment markets? Would it be positive investing experiences, novice, naturally curious. You're novice, naturally curious.\n\nYou've had mixed investment results that have heightened your loss avoidance or past losses have left you extremely loss averse. Averse.\n\nChannel 1: I'd\n\nChannel 0: A\n\nChannel 1: say\n\nChannel 0: lot\n\nChannel 1: I'm\n\nChannel 0: there.\n\nChannel 1: in the middle. I'm more, like, curious, but I\n\nChannel 0: Yes.\n\nChannel 1: haven't really got in and sort of been, like, take high risk investments.\n\nChannel 0: Yep. Okay. Fantastic. Alright. What is the most aggressive investment you've ever made?\n\nDirect shares, manage funds, investment property, your own home, or a high interest bank account.\n\nChannel 1: Probably, hi, this bank account. I've had, like, shares, but they were just kinda, like, like, your shares and raise.\n\nChannel 0: Yep. That still counts. It means\n\nChannel 1: Yeah.\n\nChannel 0: that you understand the how they work and that you you\n\nChannel 1: Yep.\n\nChannel 0: there's no right or wrong answer. So if you've had shares in the past, we'd definitely make have that as your answer. So if we look at this for your superannuation balance, once it has been placed or investments made, how long would you need it before you would need access to the capital? In your scenario, based on your age, based on your age, I think it would be the first answer, longer than ten years,\n\nChannel 1: Yes.\n\nChannel 0: and it goes down from there. So that one's a pretty standard question a pretty common answer, to be honest with you, when it comes to superannuation. The next question is inflation means that things are getting more expensive over time, which may which makes your money worth less today. How much risk are you willing to take to keep up with inflation? So rising cost of living.\n\nWould you be willing to accept very high risk to outpace inflation, willing to accept high risks, moderate risks, a small amount of risk, or no risk.\n\nChannel 1: I'm moderate risk.\n\nChannel 0: Yep. The next question, there's there's a few more. Sorry. This is a bit long winded.\n\nChannel 1: No. It's fine.\n\nChannel 0: Investments can go up and down in value. That's called volatility. How much of a drop in your investment over a year would when would when would you start to worry? More than 50%, up to 50%, up to 25%, up to 10%, or up to 5%? So at what point would you worry?\n\nChannel 1: Up to 50%.\n\nChannel 0: Yep. Okay. How would you feel if in six months after your first initial investment, you found out that your portfolio decreased by 20% due to the ups and downs of the investment market? Would you, one, invest more for growth, invest modestly for growth, hold and wait for improvement, shift your assets to more defensive type assets, or convert to cash?\n\nChannel 1: Invest moderately.\n\nChannel 0: Yep. What kind of return do you expect to get in the long term from your investment? 8% or above, six to 8%, four to six, or two to four?\n\nChannel 1: 8% and about.\n\nChannel 0: Yep. Beautiful. Have your investments, including superannuation, ever dropped in value, and how did it make you feel? Were you optimistic about future investments or cautious with no further investments plans, concerned, or highly anxious,\n\nChannel 1: I'll say I'm more cautious, but I wasn't overtly too worried. Yeah.\n\nChannel 0: How much How much are you how much risk are you willing to take to get the return you want? So max return regardless of risk, high risk for big returns, moderate risk for good returns, minimal risk slight returns, or safety first?\n\nChannel 1: Moderate.\n\nChannel 0: Moderate. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: What kind of income do you expect to get net of to get from your investments in the future? So an example would be is capital growth is the share price increasing over time, so from $10 to $20 in price. And an example of the dividend that you get from holding the share. So would you expect capital growth only with no income? So we're talking about your your super here.\n\nChannel 1: Mhmm.\n\nChannel 0: Minimal minimal income, mostly capital growth. Balance combination of two, high income with some capital or or income, no capital.\n\nChannel 1: I see balance.\n\nChannel 0: Yep. And have you ever thought about taking out money alone to invest?\n\nChannel 1: No. Not really.\n\nChannel 0: Nope.\n\nChannel 1: No.\n\nChannel 0: So that answers one part of the question. The next part of the question would be, would you be open to borrowing for shares or funds, open to borrowing for an investment property, or open to borrowing for your own home only?\n\nChannel 1: I am looking to get into type in some property market for unoccupied and eventually investment property. So I'd\n\nChannel 0: Mhmm.\n\nChannel 1: say in terms of property, it's something that I'm willing to borrow money for.\n\nChannel 0: Yep. So an investment property as well as a home your own home?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Okay. And then thinking about your last answer, how would taking a loan to invest make you feel comfortable borrowing for investment, aware of the risks, somewhat comfortable, cautious of the risks, careful with borrowing, understanding its risks, hesitant to borrow, wary of high risks, or worried about your borrowing due to significant risks.\n\nChannel 1: I'll be comfortable.\n\nChannel 0: Yep. Beautiful. That's the end of my interrogate interrogation. So what that helps us understand is your, as I mentioned earlier, your risk tolerance. So what\n\nChannel 1: Yeah.\n\nChannel 0: you have essentially, what it tells us is a risk profile. Now what we're gonna talk about briefly is what that is, what it means, and\n\nChannel 1: Mhmm.\n\nChannel 0: whether you are comfortable to proceed with that if we look at your superannuation as an investment. So you're you've come out as a growth investor, which means that, typically, we would have an 80% allocation to growth assets being shares, national international and Australian, and property. So, property funds. And you'd then have typically 20% allocated to your defensive income producing assets, which would be fixed interest, cash components, bonds, and those types of things.\n\nChannel 1: Yeah.\n\nChannel 0: The expected return in a growth portfolio averages between seven to 9% gross of fees, and the expected volatility within a growth portfolio could be plus or negative 11% depending on the year. So\n\nChannel 1: Okay.\n\nChannel 0: that's the variance minimum suggested time frame, so this is to withstand those negative returns,\n\nChannel 1: Mhmm.\n\nChannel 0: is at least six years. So given that oh oh gosh. My calculator my keyboard's not working. Given that you're, what, 31? Is that right?\n\nDoing\n\nChannel 1: I'm\n\nChannel 0: math\n\nChannel 1: 30\n\nChannel 0: in my\n\nChannel 1: two.\n\nChannel 0: head, Chris. 32.\n\nChannel 1: Yep.\n\nChannel 0: So you've got twenty eight years until you can access super based on today's legislation.\n\nChannel 1: That's crazy. Oh\n\nChannel 0: Yes. It is.\n\nChannel 1: my gosh.\n\nChannel 0: The\n\nChannel 1: Singleize that.\n\nChannel 0: I know. I know. Goes quickly, though. It's the next one up from that is a high growth investor. So the difference being is that it's a 10% split.\n\nYour returns are expected to be between eight to 10%. The volatility expected could be anywhere between plus to negative 14%, and this is just standard statistics. And the likelihood of a negative return, the same with gross, is one in every five years with a minimum time frame of at least eight years. I it and what the most important part of investing would be that, excuse me, you pass the sleep at night test. So you've got to be comfortable with your allocation and how it's it's structured for your the goals that you wanna achieve.\n\nSo if you're looking at growing your super to meet those income needs, it might be that initially we need to take a little bit more risk to, like, take so so I say a little bit more risk. Like, take a a a different risk profile, so maybe a high growth one to help work towards those achieving those goals,\n\nChannel 1: Yep.\n\nChannel 0: and then you'd taper off over time. So it's it's about your comfort level given your your pretty much I'm just having a look. Your I'm just having a look. Excuse me. You're at the bottom.\n\nOne more number, and you would have been a a so growth starts from an about a questionnaire total of 31 to 35. A high growth is 25 to 30. You scored 31. So you're literally on the the of high growth and a growth investor.\n\nChannel 1: Yep.\n\nChannel 0: So it really comes down to your your\n\nChannel 1: Your\n\nChannel 0: preference\n\nChannel 1: reception's cutting\n\nChannel 0: and\n\nChannel 1: in and\n\nChannel 0: your\n\nChannel 1: out.\n\nChannel 0: sorry. It really comes down to your preference as to whether you wanted to I I think personally recommending wise based on a superannuation fund, You could take a high growth approach\n\nChannel 1: Mhmm.\n\nChannel 0: given your time and also the fact that you're one number away from being a high growth risk profile anyway. So I think you're under and given the fact that you have answered that you've had shares in the past, you understand loan and debt for investment purposes from property. I think you're financially astute enough to understand the the risk to first reward. So I would probably recommend a high growth portfolio based on that. But, again, I'm I take your direction.\n\nIf you're more\n\nChannel 1: Okay.\n\nChannel 0: comfortable starting with an eighty twenty allocation and reviewing over time, that's a 100% okay also.\n\nChannel 1: Okay. No problem.\n\nChannel 0: Beautiful. So what I'm going to do also is just go back to the goals. I just wanted to revisit one section. You said that you were a single mom wanting to set up for your daughter for uni, those types of things. Is that something that you wanna start doing now as well?\n\nLike a\n\nChannel 1: She's\n\nChannel 0: savings? Yep.\n\nChannel 1: yeah. Because she's start she's 10. So she's she'll be in high school in, like, two years.\n\nChannel 0: Yep.\n\nChannel 1: So I'm I am trying to be wise and just sort of kinda set her up, like you know what I mean? So I would weigh up the options too. I don't wanna leave it for too late,\n\nChannel 0: Yep.\n\nChannel 1: but if I could start now and then just bit by bit, just gradually increase it, especially for,\n\nChannel 0: Yep.\n\nChannel 1: like, things like high school and university.\n\nChannel 0: Mhmm.\n\nChannel 1: Those are the two things there where the the cost do sort of go up. Primary school has been okay,\n\nChannel 0: Yep.\n\nChannel 1: but I do acknowledge that high school and uni is gonna come with a lot of cost affiliated with it.\n\nChannel 0: Yeah. And have you just been doing a savings account for that?\n\nChannel 1: At the moment, I started I started this year, just to\n\nChannel 0: Yep.\n\nChannel 1: sort of start saving up for,\n\nChannel 0: Yep.\n\nChannel 1: like, your education and stuff like that as well.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Okay. And do you put how much per week do you put into that or fortnight?\n\nChannel 1: Per fortnight. I work in a fortnightly basis, so I just put a $100 a fortnight into a savings account.\n\nChannel 0: Okay. And do you know what the balance of your savings account is?\n\nChannel 1: It's kinda, like, out of sight, out of mind,\n\nChannel 0: Yep. That's\n\nChannel 1: but I\n\nChannel 0: okay.\n\nChannel 1: can always check. Yeah.\n\nChannel 0: Yeah. No. That's alright.\n\nChannel 1: Yeah.\n\nChannel 0: The the reason I asked that is there are investment options available for you that you can invest in. The minimum investment is, I think, starting balance is a thousand dollars, and you can continue making regular investments. The benefit of those is particularly in ten years' time, which would be probably around the time she may be looking at. I mean, she would have finished high school.\n\nChannel 1: Yes.\n\nChannel 0: Not sure. But in ten years' time, what the type of insurance type of investment it is is that it's at it's called tax paid. So in ten years, you would withdraw it, and it is no tax payable on it. No capital gains or anything like that because it's all taxed internally whilst invested.\n\nChannel 1: Oh, okay.\n\nChannel 0: That's\n\nChannel 1: This is for tonight.\n\nChannel 0: yeah. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: So that is an option whether you're ready to do it now or whether you're ready to do it down the track,\n\nChannel 1: Yep.\n\nChannel 0: but that's something that we can look at also. And do you think that would be something more down the track?\n\nChannel 1: Something definitely down the track. It's it's good to know just to weigh up your options. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Always.\n\nChannel 1: Always.\n\nChannel 0: Okay. The other question I just need to run through with you is from the insurance side of things. I'll just explain quickly the types of insurance that are available. There is life insurance, which is self payable to your beneficiary,\n\nChannel 1: Mhmm.\n\nChannel 0: plus would make sure that we'd have one set up. And then your TPD insurance, which is total and permanent disablement, is a payment that is exactly that. If you're totally and permanently disabled and deemed not to be able to return to work in an occupation that you are trained or appropriately trained or educated in.\n\nChannel 1: Yeah.\n\nChannel 0: So if you think of TPD is a worst case scenario, so it might be, for example, you're in a car accident yesterday and you've lost the ability to use your your hands or your arms, therefore, you're not able to drive to work work your role, those types of\n\nChannel 1: Yeah.\n\nChannel 0: things.\n\nChannel 1: Okay.\n\nChannel 0: Yep. The other the other type of policy is a income protection policy, which is the one you're alluding to before being a single mom. If anything happens to you and you're unable to work, that is that will cover you in the event that you're unable to work due to injury or illness. It doesn't cover unemployment or anything like that. It's\n\nChannel 1: Okay.\n\nChannel 0: just injury or illness. And what it does cover is it will cover 70% of your taxable income. So 70% of the $82,000 that you earn annually, and it's paid monthly. And there are two variances to that. There's something that we call a waiting period and then something that we call a benefit period.\n\nSo the\n\nChannel 1: No.\n\nChannel 0: easiest way I like to explain it is is a waiting period is similar to an excess on your current insurance policy. It's\n\nChannel 1: Yeah.\n\nChannel 0: the number of days you've gotta wait until you're eligible to begin being paid. And that varies between insurers from thirty days to sixty days, ninety days, and and it can continue up from there. The benefit period is the number the period of time you're you're eligible to be paid for. So it can be two years, five years, to age 65, depending on how we structure the policy. So for example, even if you had a five year benefit period, that doesn't mean that you would just be on claim for five years.\n\nIt's only until your doctor says that you're fit to return to work. So for example, you I'll use my husband as an example. He has an income protection policy. He was injured last\n\nChannel 1: It's\n\nChannel 0: year in an accident, and he was off work for four months.\n\nChannel 1: not.\n\nChannel 0: He had a thirty day waiting period. So the first thirty days was no income. He had a little bit of sick leave that covered him during that thirty days. We had to use savings, etcetera. And then after that, he was paid for the three months while on claim.\n\nSo after he recovered, he was cleared to go back to work. So if he wasn't cleared to go back to work and his injury was gonna take a lot longer, the maximum time that he would have been able to be on claim for is five years because that\n\nChannel 1: Okay.\n\nChannel 0: was his benefit period. So that's how those two work. The very last policy is trauma insurance. Oh, sorry. Before I go ahead.\n\nSo life, TPD, and income protection can be funded between from your superannuation funds as to not impact your personal cash flow. But the other thing we do look at is the cost of those covers and how the long term effect of that will impact your super fund. So it's a catch 22, so we look at both as an option.\n\nChannel 1: Mhmm.\n\nChannel 0: And then the last policy that's available is one that's called trauma, and it's a lump sum tax free payment in the event that you're diagnosed with a critical illness. So most trauma policies are approximately about 42 illnesses that you need you if you are diagnosed with, you'll receive a lump sum payment. The severity depends on the insurance company, and they range from cancer, stroke, heart attack, neurological diseases.\n\nChannel 1: Yes.\n\nChannel 0: And the reason why that policy that claim would be tax free is because that is actually paid out of your personal cash flow. It cannot be funded through super. So\n\nChannel 1: Okay.\n\nChannel 0: it's kind of a gap between your TPD and your income protection cover because, likely, you will return\n\nChannel 1: Mhmm.\n\nChannel 0: because likely, you will return to work and you will recover with those types of events. The likelihood is that you would recover. It's just to give you some funds in the meantime to not have to worry about financial stress while you're recovering from health\n\nChannel 1: Okay.\n\nChannel 0: a health situation. So they're the types of covers that are available. Out of those, what are you thinking, those types of covers?\n\nChannel 1: Okay. I think at the present moment, it would be income protection, TPD, and life insurance.\n\nChannel 0: Yep. Beautiful. So in the event the income protection's easy to figure out from a sum insured point of view. But what about from a waiting period yeah. Waiting period and benefit period?\n\nWhat would you think is it for a waiting period, is it the shorter, the better? Can you do you have funds to cover you for a bit longer? So that's\n\nChannel 1: Just\n\nChannel 0: the\n\nChannel 1: wanted to get better. Thirty days seems to be standard, like, similar to, like, a term deposit. So thirty days is fine.\n\nChannel 0: yep. Fantastic. And with the benefit period, typically, in super, we'd look at five years because it would be disability. But what let me play with that. Would you be comfortable with five years, or would you like longer?\n\nChannel 1: Five years means yeah.\n\nChannel 0: Yeah. Five\n\nChannel 1: Yes.\n\nChannel 0: years. Yep. Okay. With your life and TPD, I'm just gonna ask a couple of quick questions that will help me look at some insured. When you look at I guess, first of all, you mentioned you wanna make sure anything that happens to your daughter, it's it's covered.\n\nIs you mentioned university life costs, etcetera.\n\nChannel 1: Mhmm.\n\nChannel 0: Is there funds there that you'd want available for her to be able to purchase a house, live in a house? I mean, let's say she's age 15 and the worst case scenario happens. What do you want for her to receive to make her life easier?\n\nChannel 1: Oh,\n\nChannel 0: It\n\nChannel 1: that's a tough\n\nChannel 0: is,\n\nChannel 1: question.\n\nChannel 0: isn't\n\nChannel 1: Yeah.\n\nChannel 0: it? And it's not one as\n\nChannel 1: Of\n\nChannel 0: moms\n\nChannel 1: course. Obviously,\n\nChannel 0: we\n\nChannel 1: you wanna make sure\n\nChannel 0: like\n\nChannel 1: your babies are good.\n\nChannel 0: to\n\nChannel 1: I feel like\n\nChannel 0: think\n\nChannel 1: for me,\n\nChannel 0: about.\n\nChannel 1: it's just having\n\nChannel 0: Mhmm.\n\nChannel 1: having financial security for her is important to me. Like, I don't god forbid, I don't want her having to struggle to find a place to live or let's just say\n\nChannel 0: Yep.\n\nChannel 1: removing all external factors if my mom's not here or my sister or my dad or anyone.\n\nChannel 0: Mhmm.\n\nChannel 1: Mhmm. Just so I had to, like, have a roof over her head, and she doesn't have to worry about the little cost of, like, you know, having to pay for the house, etcetera, just to make sure. She's sort of kinda set up and, like, a little bit of a nest egg will be\n\nChannel 0: Okay.\n\nChannel 1: ideal for her. Yeah. But in terms of dollar figures, I'm not too sure, to be honest.\n\nChannel 0: Okay. That's okay. So you'd like\n\nChannel 1: Yeah.\n\nChannel 0: her to\n\nChannel 1: You're\n\nChannel 0: have\n\nChannel 1: welcome.\n\nChannel 0: be able to have a to purchase something to live in that she can call her own and give her that\n\nChannel 1: Yeah. If anything were to happen, at least she has a little bit of a buffer. You know?\n\nChannel 0: stability? Yep. How\n\nChannel 1: Yeah.\n\nChannel 0: much would you anticipate, I mean, based on where you live, if it was a little unit or a a townhouse that she could purchase. You know, she would probably live with family for a little bit until she's older and those sorts of things. But how much would you like for a based on today's dollars? And, again, it it's all based on\n\nChannel 1: Well, I'm looking at realestate.com, like, in the suburb that I'm living in. Like, for example, like, at the moment, like, a three bedroom, two bathroom townhouse is priced between 500 and 10 to 560,000. So that's,\n\nChannel 0: Yep.\n\nChannel 1: like, a basic townhouse.\n\nChannel 0: Yep. So\n\nChannel 1: Yeah.\n\nChannel 0: 600 do you think 600,000, like, with stamp Judy, and all that would be okay?\n\nChannel 1: Yeah. But I think that'll be more than enough. Yeah.\n\nChannel 0: Yep. Did you wanna allow you mentioned nest egg. Was there anything at an additional amount you wanted for her for education or a nest egg?\n\nChannel 1: As of present, I mean, I haven't thought about the dollar figures, to be honest.\n\nChannel 0: Yep.\n\nChannel 1: That's something that I'll have to consider and weigh up as she gets older.\n\nChannel 0: Yep.\n\nChannel 1: Thank\n\nChannel 0: Yeah.\n\nChannel 1: you.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: And last but not least, if something was to happen to you yesterday and your mom or your dad or your sister or extended family were to look after her, How much in how much would it cost to pay for her education, her living expenses? Kind of like, how much would you like to allow your family members per annum roughly, and this is just we work backwards from here, to cover those expenses without there being an a financial impact strain on getting what your\n\nChannel 1: I\n\nChannel 0: you want your daughter to have versus what your family members may be able to afford?\n\nChannel 1: don't know. I don't\n\nChannel 0: Yeah.\n\nChannel 1: know.\n\nChannel 0: Well well, you know, what we can do is we can actually\n\nChannel 1: Okay.\n\nChannel 0: start start by looking at your expenditure. So if your expenditure is about $500 a week, how much of that do you think is goes towards your daughter? Like, living expense wise, so food,\n\nChannel 1: At school, she does go to a government school, so nothing I think more her expenses would be things like uniform,\n\nChannel 0: school. Mhmm.\n\nChannel 1: school lunches, and\n\nChannel 0: Yep.\n\nChannel 1: at the moment, she does, like, extracurricular activities such as dance and swimming.\n\nChannel 0: Mhmm.\n\nChannel 1: Mhmm. I thought she do. Yeah. Those are. Yeah.\n\nChannel 0: Yep. No. That's fine. And with high school, should we be going to a private school or a public school?\n\nChannel 1: Looking, there is a private school that I'm interested in for her, but I don't also mind, like, a public school. But I am also looking for a really good public school in our area. So but I'm more leaning towards\n\nChannel 0: Mhmm.\n\nChannel 1: private.\n\nChannel 0: Okay. Beautiful.\n\nChannel 1: Okay. Beautiful.\n\nChannel 0: Look.\n\nChannel 1: Look.\n\nChannel 0: I can use some basic it's very hard to answer those questions. I know, and I'm sorry for asking\n\nChannel 1: No.\n\nChannel 0: a lot\n\nChannel 1: No.\n\nChannel 0: of questions.\n\nChannel 1: No. I'm so sorry. They're they're good questions. It gets you thinking,\n\nChannel 0: Yeah.\n\nChannel 1: to be honest.\n\nChannel 0: It does. And I can use some basic statistical information that we have access to on those types of costs to look at to look at what\n\nChannel 1: Yeah.\n\nChannel 0: an appropriate sum insured would be for those types of cover. Okay. I've asked a lot of questions. Do you have any questions of me?\n\nChannel 1: Not that I can think of on top of my head, to be honest. If I\n\nChannel 0: Nope.\n\nChannel 1: have any\n\nChannel 0: That's\n\nChannel 1: questions,\n\nChannel 0: okay.\n\nChannel 1: I'll email you. Yeah.\n\nChannel 0: Yep. Absolutely fine. So what I'm\n\nChannel 1: Yeah.\n\nChannel 0: going to do now, I'm just trying to log in to a different screen. It won't be a second. I'm just gonna run oh, it's not working. There we go. I'm going to run through our financial services guide.\n\nIt's just gonna get be able to meeting. It is is it I've been getting that a lot the last two days. I think it's my headset because I've been fiddling with the volume, and the volume seems I'm gonna turn it all the way up. Is that a bit better?\n\nChannel 1: Yes. I can hear you. It just goes you know, if you you know the sound of like someone's going on the water.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Well, I'm definitely not doing that. Sorry.\n\nChannel 1: You love swimming?\n\nChannel 0: No.\n\nChannel 1: Yeah.\n\nChannel 0: Not unfortunately, no. No. Not a unfortunately, no. Okay. So to go with our to go I'm gonna run through our fee structure and how it typically works.\n\nChannel 1: Place\n\nChannel 0: So the there's a there's two fees.\n\nChannel 1: what?\n\nChannel 0: There's the\n\nChannel 1: 50.\n\nChannel 0: initial fee for the advice and the ongoing fee. The ongoing fee is set at 1.65% per annum of your funds under management. So that's based on your balance today. If you were to do an investment bond as we talked about earlier, I referenced, that same fee would be applicable to your bond as well. That cove the ongoing fee covers your ongoing annual reviews or your review frequency depending on what one you select.\n\nIt will cover any questions that you have, any touch points. So you're not limited in contacting us for any concerns, questions, or updates that you wanna receive. That's what your ongoing fee covers us for. There is an initial implementation fee. So everything up until the point that you decide if you wish to proceed is complimentary, and we'll work through all the all questions you have.\n\nOnce you if you get to the stage where you agree that you wanna proceed with advice, there's a one off implementation fee, and that's $4,950. And the funding of that would come from your super fund in this scenario because that's all we're looking at at this time, not investments.\n\nChannel 1: Mhmm.\n\nChannel 0: And that's how the fee structure works. With insurance, we are paid via the insurance company via commission. So that's not out of pocket\n\nChannel 1: Okay.\n\nChannel 0: out of your pocket. That's\n\nChannel 1: Yeah.\n\nChannel 0: paid via the insurance company. So any questions regarding\n\nChannel 1: No. It's fine. I work for the bank, so I understand.\n\nChannel 0: fees?\n\nChannel 1: Yep.\n\nChannel 0: Yes. Okay. Fantastic.\n\nChannel 1: Yep.\n\nChannel 0: So you know what an FSG is, so that's great. I\n\nChannel 1: Yeah.\n\nChannel 0: don't need\n\nChannel 1: That's\n\nChannel 0: to explain\n\nChannel 1: true. Yeah.\n\nChannel 0: that.\n\nChannel 1: I I do it as well, so don't worry. I understand.\n\nChannel 0: Beautiful. I love that. Okay. So what I'm going to do is also in a moment, I'm going to send you a link to, it's called the f triple a safe ID. It just being in the bank, you would know this as well.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. AML, it's just for you to complete when you're ready, and it's just your confirming your ID. Sorry. It's there's no other way to explain it, really.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: I understand. Yep. The ID. Yeah.\n\nChannel 0: yeah. Alright. So I'm just going to process through that. Okay, sir. It won't be a moment.\n\nOkay. So you you'll have that invite in your inbox shortly. And if you just follow the the links, that should work. If you have any concerns or any issues in completing that, please let me know, and I can walk you through that.\n\nChannel 1: Hi. Yes. The number\n\nChannel 0: Sorry?\n\nChannel 1: I'm just going to start the the verification, it's fine, while you're on the call.\n\nChannel 0: Oh, fantastic. Lovely. I love that. Okay. And the next questions really are from here is, with the insurance, the only thing that I do note that what we would want to look at doing to avoid any delays,\n\nChannel 1: Okay.\n\nChannel 0: if you did wish to proceed, is look at getting a pre assessment. What we do there is we look at health and financial to see if the insurance company is comfortable issuing a policy. The only reason not comfortable issuing a policy, but it meets the underwriting guidelines. Sorry. Incorrect terms, you said.\n\nThe reason I say that is is you are on a weight loss journey at the moment, and they will look at the for example, how much weight you've lost over a twelve month period, etcetera, and they will set so they'll wanna look further. So what it means is basically is they might say, yep. Happy to proceed with cover. It's all it's all kosher. There's no risk factors additional risk factors we see here.\n\nThat's fantastic. Worst case scenario is they might say, no. We wanna wait six months and revisit the application in six months. Middle case scenario is, yep. That's fine, but we may apply a loading to that insurance policy, which would be reviewable in x y z amount of time.\n\nSo what we like to do is make sure that we have all the pre assessment details ready. It does speed up the process in relation to getting a decision on insurance, and it and it lets us be more transparent with you as to what the outcome's likely to be.\n\nChannel 1: Uh-huh.\n\nChannel 0: So if you did wanna proceed down that, I would probably transfer you back to Maddie for a little bit, or I'm happy to go through it over the phone with you if Maddie's busy at pre assessment. But from today's perspective, outside of what we've discussed and oh, actually, the other thing is estate planning, wills and powers of attorney.\n\nChannel 1: Yeah. The the fun conversation.\n\nChannel 0: Yeah. Yeah. We do have a professional partner that we work with.\n\nChannel 1: Yeah.\n\nChannel 0: It's quite reasonable, actually, price wise compared to what I've seen over my time to establish those documents. What I can do is just email you a brochure\n\nChannel 1: Okay. Yes.\n\nChannel 0: if you like for you to have a read over. It gives you an indication of prices for what you can expect to pay. And you can then let me know if you want me to arrange a referral or an introduction to them.\n\nChannel 1: Okay.\n\nChannel 0: Given that your daughter's 10 and you're the sole parent, essentially, it's probably it's one of those things that you probably need to attend to sooner rather than later\n\nChannel 1: Yeah.\n\nChannel 0: just\n\nChannel 1: Of\n\nChannel 0: to\n\nChannel 1: course.\n\nChannel 0: make sure\n\nChannel 1: Yep.\n\nChannel 0: she because no matter what plan you put in place to make sure that she's financially secure without that document in place, it can leave her vulnerable\n\nChannel 1: Okay.\n\nChannel 0: should you not be\n\nChannel 1: Yes.\n\nChannel 0: around. Okay. So I'll email you that to have a read over. Outside of that, the only other question I wanted to ask is with your debt repayments, are you happy to continue those, or you're just happy to continue managing those yourself?\n\nChannel 1: At the present moment, I'm fine just managing myself. But\n\nChannel 0: Yep.\n\nChannel 1: if I do need further assistance, I'll just reach out.\n\nChannel 0: Fantastic.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. So I have asked a million questions of you today. The next steps from here are are probably you deciding if you're happy to move to the next steps. If you wanna go away and have us think about things for a little bit, gather your thoughts because it is information overload, to be honest with you. I can send you a summary of our conversations with some links to some web sites with the general information that you can check out.\n\nAnd, basically, once you have made a decision as to what you would like to do, whether you wanna proceed with advice or not,\n\nChannel 1: Nope.\n\nChannel 0: we would then start the advice process. So that would involve me and our team generating an advice document, presenting that to you with my recommendations as to what you need to do, You deciding out of that what you want to do, and then we go and implement from there. So\n\nChannel 1: Okay.\n\nChannel 0: what I can do is send you a summary email if you like and touch base with you in a couple of days. I'm completely led by you.\n\nChannel 1: Okay. No problem. Yeah. If you can send me through a summary email, that'd be great. But I so it's something that I've I'm interested in.\n\nI did have a conversation with my partner, and he kinda gave me the ins and outs of it. So it's something that\n\nChannel 0: Yeah.\n\nChannel 1: I'm comfortable about it. So yeah.\n\nChannel 0: Yep. Alright.\n\nChannel 1: Alright.\n\nChannel 0: Beautiful. What I'll do is I'll do up a summary email for you this afternoon to make sure that you received that today. I might touch base with you on Friday. Is that okay?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: I'll\n\nChannel 1: No problem. I work from home on Friday, so I don't have too much of a busy schedule.\n\nChannel 0: Fantastic. I'll touch base with you Friday morning sometime to see how you're going and what your thoughts are. And in the meantime, if you can complete that ID verification for me, that would be fantastic. And I will speak to you Friday morning.\n\nChannel 1: Beautiful. It's all done. I have completed it.\n\nChannel 0: Okay.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Alright. Fantastic. I will keep an eye on that. Actually, while I've got you on the phone, did you wanna go through that insurance pre assessment quickly?\n\nChannel 1: I may as well to get the\n\nChannel 0: Yep.\n\nChannel 1: ball rolling. Yeah.\n\nChannel 0: Yep. Yep. Fantastic. Fantastic. I think that's a good idea.\n\nSo you're a 100% in office, so that's not applicable. In your role, are you required to travel for work or anything like that?\n\nChannel 1: Just to the office in the city twice a day twice a week.\n\nChannel 0: Yeah. No. That's\n\nChannel 1: Yeah.\n\nChannel 0: fine. You know, do you perform any hazardous activities, working at heights, explosives, underground, all that\n\nChannel 1: Just\n\nChannel 0: sort\n\nChannel 1: dealing\n\nChannel 0: of stuff?\n\nChannel 1: with people's money, really, but no. None none of the above.\n\nChannel 0: Yep. Yep. Beautiful. Do you intend to change your occupation or employment status in the next twelve months?\n\nChannel 1: No.\n\nChannel 0: No. Do you have a second job besides\n\nChannel 1: No.\n\nChannel 0: being a\n\nChannel 1: I\n\nChannel 0: mom?\n\nChannel 1: do from time to time. Well, I started, like, I started, like, five. From time to time, I have started to just to do Uber, just five houses for extra cash, but it's not something\n\nChannel 0: Yep.\n\nChannel 1: that I'm consistent with. Yeah.\n\nChannel 0: Okay. Fantastic. Do you intend to travel or live overseas for work or pleasure anytime in the foreseeable future?\n\nChannel 1: I'm trying to travel, but not to relocate yet.\n\nChannel 0: Yep. And where will you be traveling to?\n\nChannel 1: We don't have solar plans there, but looking to travel to Japan in the next twelve months.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Just for a\n\nChannel 1: Yeah. Just a holiday.\n\nChannel 0: holiday? Okay. That will be lovely. Is it are you going for snow season?\n\nChannel 1: No. I\n\nChannel 0: Or\n\nChannel 1: really wanna go for the cherry blossom season.\n\nChannel 0: oh, so do I.\n\nChannel 1: Yeah. I've never been, so I'm really excited. I've heard beautiful things about Japan. So, yeah, I'm, like, I'm really excited.\n\nChannel 0: You'll have to let me know because I would love to go for that also.\n\nChannel 1: Yeah.\n\nChannel 0: Do you have any pastime sports or hobbies that you compete in or you participate in that are you'd probably consider contact type sports or high levels of danger?\n\nChannel 1: I really I used to Pilates once in a while and but mainly just mainly just gym, Pilates, and then swimming. Those\n\nChannel 0: Yeah.\n\nChannel 1: are, like,\n\nChannel 0: That's\n\nChannel 1: my\n\nChannel 0: fine.\n\nChannel 1: main just, like, your\n\nChannel 0: Yep.\n\nChannel 1: regular and regular stuff. Yeah.\n\nChannel 0: Yep. Yep. Absolutely. And you're you said you're a nonsmoker, so that's fine.\n\nChannel 1: No.\n\nChannel 0: But have you used any tobacco substance in the last twelve months?\n\nChannel 1: Nope. Not a small guy.\n\nChannel 0: No. And have you ever taken any illicit drugs?\n\nChannel 1: Nope.\n\nChannel 0: No. Do you drink alcohol?\n\nChannel 1: I'm an occasional drinker once in a blooming, to be honest.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Same. So on average, how many would you drink per week?\n\nChannel 1: For a week, none\n\nChannel 0: Yeah. Just\n\nChannel 1: for a week.\n\nChannel 0: yeah.\n\nChannel 1: But the last\n\nChannel 0: Yeah.\n\nChannel 1: time I drank was, like, two months ago. Like, I'm not\n\nChannel 0: Yeah.\n\nChannel 1: a really big drinker. Yeah.\n\nChannel 0: Okay.\n\nChannel 1: I\n\nChannel 0: That's\n\nChannel 1: get that.\n\nChannel 0: absolutely\n\nChannel 1: Absolutely.\n\nChannel 0: fine. I've\n\nChannel 1: Yeah.\n\nChannel 0: got your okay. So in the last\n\nChannel 1: Last\n\nChannel 0: twelve months,\n\nChannel 1: twelve months.\n\nChannel 0: how much weight do you think you've lost?\n\nChannel 1: So I started off with a hundred and fourteen kilos of one eighty. So I was about ten kilos. Ten and a bit kilos. Yeah.\n\nChannel 0: So you're you started a hundred and fourteen.\n\nChannel 1: A hundred and forty two kilos. Now I'm roughly,\n\nChannel 0: Yep.\n\nChannel 1: like, one zero three, one zero two. I mean, like, borderline.\n\nChannel 0: Okay. So you've lost\n\nChannel 1: Okay.\n\nChannel 0: about 12.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Congratulations. Well done.\n\nChannel 1: Oh, thank you.\n\nChannel 0: And is it did you just decide to do that for your health?\n\nChannel 1: Yeah. Health reasons. Yeah. Just really health reasons and stuff like that and just wanted to show confidence and stuff. I did I was in the IUD, so I gave quite a bit of weight from that.\n\nChannel 0: Yep.\n\nChannel 1: So I just wanted to sort of just leave the weight, so my doctor just put me on the g p l t GLP one and, yeah, to go from there.\n\nChannel 0: Okay. Fantastic. Alright.\n\nChannel 1: Yeah.\n\nChannel 0: In the last twelve months, have you been I an absent from work or been unable to fulfill your duties?\n\nChannel 1: Apart from, yes, normal sick leave.\n\nChannel 0: Yeah. No.\n\nChannel 1: No. Yeah. No. Not really.\n\nChannel 0: Alright. Have you ever been diagnosed with an illness that can that will impact your ability to work?\n\nChannel 1: At hutchwood, no. I haven't.\n\nChannel 0: No. That's good.\n\nChannel 1: Yeah.\n\nChannel 0: Have you ever had an insurance application declined or refused?\n\nChannel 1: No. I haven't applied for any form of insurance.\n\nChannel 0: Yeah. Okay. Beautiful. Have you been on any sort of workers' compensation claim or government benefits for any sickness or injuries?\n\nChannel 1: No.\n\nChannel 0: No. And okay. So you did not apply. So that sorry. Talking to myself there.\n\nYou haven't applied for insurances before, so that question's not applicable. Alright. This is just about your medical history, so I will just run through this. At the very moment, do you intend to seek any medical advice, test, investigation, or treatment, including\n\nChannel 1: No.\n\nChannel 0: surgery? Nope. Have you ever had or sought advice or treatment from a health care professional for the following? Stress, anxiety, depression, or a mental health disorder.\n\nChannel 1: No. But I have seeked for counseling for domestic violence, and I've been on the health care plan.\n\nChannel 0: Yep. And how long ago was\n\nChannel 1: Twelve months twelve to\n\nChannel 0: that?\n\nChannel 1: eighteen months ago.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: I'm glad that you have been able to make it through that. That's not a not a nice thing. I'm\n\nChannel 1: No.\n\nChannel 0: sorry\n\nChannel 1: Thank\n\nChannel 0: to hear.\n\nChannel 1: you.\n\nChannel 0: What about any skin cancer, tumors, lesions, moles, or a cyst?\n\nChannel 1: No. None.\n\nChannel 0: No. Any back or neck pain, problems, any sciatica?\n\nChannel 1: No. Not really.\n\nChannel 0: No. Any bone fractures, muscle, ligament, tendons, injuries? No. Any blood borne diseases? Any heart or blood\n\nChannel 1: No.\n\nChannel 0: conditions?\n\nChannel 1: Nope.\n\nChannel 0: No. Sorry. This just\n\nChannel 1: No.\n\nChannel 0: there's\n\nChannel 1: That's\n\nChannel 0: a lot\n\nChannel 1: okay.\n\nChannel 0: of questions\n\nChannel 1: That's\n\nChannel 0: here.\n\nChannel 1: fine. We have you have to ask them. It's all good.\n\nChannel 0: I do. I do. Any cancers? No. Asthma or respiratory conditions?\n\nChannel 1: No.\n\nChannel 0: Any disease oh, sorry. Any condition of the eyes or ears outside of wearing glasses?\n\nChannel 1: No. I just say Barclays.\n\nChannel 0: Yep. High blood pressure or high cholesterol? Any skin condition such as dermatitis, eczema, anything like that?\n\nChannel 1: None. No.\n\nChannel 0: Any diabetes or thyroid condition?\n\nChannel 1: No.\n\nChannel 0: Any any other condition that you can think of?\n\nChannel 1: I was my GP was concerned about having a fatty liver. That's one of the reasons why I had to be but it's been monitored. It's fine now. It just has to do problem with the weight.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Okay.\n\nChannel 1: Yep.\n\nChannel 0: So when was the last time you had\n\nChannel 1: I went for my annual blood test at the start of the year.\n\nChannel 0: that\n\nChannel 1: Am due for one now. But when I have my blood test at the start of the year, everything checked out to be fine.\n\nChannel 0: checked? Okay. So\n\nChannel 1: I\n\nChannel 0: there was\n\nChannel 1: can't remember.\n\nChannel 0: no indication of any more fatty liver?\n\nChannel 1: No.\n\nChannel 0: Okay.\n\nChannel 1: K.\n\nChannel 0: Okay. Beautiful. And have you had any previous surgery?\n\nChannel 1: Two terminations. That's about it.\n\nChannel 0: Yeah. Did you say two?\n\nChannel 1: Two terminations.\n\nChannel 0: Yep. And they were surgery?\n\nChannel 1: Surgical. Yes. Surgical.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Okay. Have you had any abnormal sorry. This is getting quite personal for a first consult.\n\nChannel 1: No.\n\nChannel 0: Have\n\nChannel 1: That's\n\nChannel 0: you\n\nChannel 1: okay.\n\nChannel 0: had\n\nChannel 1: It's fine.\n\nChannel 0: have you had any abnormal pap smear test results or any abnormality of your\n\nChannel 1: No.\n\nChannel 0: ovaries? No. Have you had any abnormal vaginal bleeding in the last twelve months?\n\nChannel 1: I after my termination last year, I had, like, a bit of BV. That was more of a side effect if they wanted that information,\n\nChannel 0: Yep.\n\nChannel 1: but it was treated.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: No. That's fine. That's fine. That's part of the other thing, so that's fine.\n\nChannel 1: Yeah. I know. I just answered\n\nChannel 0: And\n\nChannel 1: that.\n\nChannel 0: any breast lumps or abnormal mammogram or breast ultrasound? Nope. Okay. Alright. With the fatty liver, when was that diagnosed?\n\nChannel 1: It was it was last year when I was about to start my mangera because I went for, like, my annual blood test, and then the doctor just raised concerns about the fatty liver.\n\nChannel 0: Yep.\n\nChannel 1: I can get the blood test results from last year. My most recent. Yeah. I can ask them\n\nChannel 0: Yes.\n\nChannel 1: to give me my all my bloods in the last twelve months if required.\n\nChannel 0: That's okay. No. No. No. What\n\nChannel 1: Okay.\n\nChannel 0: will happen is is we're just gonna use this very basic information to go to the insurance companies and make sure that we can get you cover.\n\nChannel 1: Yeah.\n\nChannel 0: If they're happy to proceed, they'll actually reach out to your doctor because there is a cost, believe it or not, for them to get\n\nChannel 1: Oh,\n\nChannel 0: this information\n\nChannel 1: okay.\n\nChannel 0: from your doctor. But\n\nChannel 1: Yeah.\n\nChannel 0: the insurance company pays for it, so\n\nChannel 1: Okay.\n\nChannel 0: don't\n\nChannel 1: That's\n\nChannel 0: even\n\nChannel 1: good\n\nChannel 0: worry\n\nChannel 1: to\n\nChannel 0: about\n\nChannel 1: know.\n\nChannel 0: it. So I don't want you to if they say, oh, why do you want it? You say I'm getting it from my insurance company. They'll say, oh, well, we charge this,\n\nChannel 1: Yep.\n\nChannel 0: so\n\nChannel 1: Okay.\n\nChannel 0: don't\n\nChannel 1: Thank\n\nChannel 0: worry\n\nChannel 1: you so\n\nChannel 0: about\n\nChannel 1: much\n\nChannel 0: it.\n\nChannel 1: for holding. Thank you for letting me\n\nChannel 0: You\n\nChannel 1: know\n\nChannel 0: no. No. No. No. So don't worry about that at\n\nChannel 1: that.\n\nChannel 0: all.\n\nChannel 1: Okay.\n\nChannel 0: Okay. With the counseling, I'm sorry to be intrusive here because of the delicate nature of why. How long did you seek the counseling for?\n\nChannel 1: I saw a therapist for about three to six months, but it was more on and off. It wasn't more, like, consistent. But, yeah,\n\nChannel 0: Yep.\n\nChannel 1: it was something that I was seeing probably. I was just like I was just u e I was utilizing the EAP program at work.\n\nChannel 0: Okay. Okay. And you're not seeing them anymore?\n\nChannel 1: No. Now I just do an occasional check-in just just to make sure I'm okay with\n\nChannel 0: Yep.\n\nChannel 1: just a different therapist, but none that has to do because I'm I'm no longer in that relationship anymore.\n\nChannel 0: Yep. Okay. That's good to hear.\n\nChannel 1: Yep.\n\nChannel 0: You.\n\nChannel 1: Yeah. Good one. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Good one.\n\nChannel 0: Okay. So that's fine. I'm just checking. With the dosage of your Manjaro, how much do you take and how often?\n\nChannel 1: So I started from two point five milligrams. Now I'm on five milligrams. So the next dose would be after my daughter's happy, it will be seven point five. But at the moment, I'm on five milligrams, and I take it once a week. So it's a four week, yeah, four week\n\nChannel 0: Okay. And when did you start it?\n\nChannel 1: dose. I I started the Menjaro, I'd say, September, October last year.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: 2025. When did you start the five milligrams?\n\nChannel 1: The five milligrams are started later this year, so around about April, May. I'm still on the five\n\nChannel 0: Yep.\n\nChannel 1: milligrams at the moment here.\n\nChannel 0: Okay. And the seven is to be confirmed.\n\nChannel 1: To be confirmed. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Because you need\n\nChannel 0: And\n\nChannel 1: a\n\nChannel 0: you\n\nChannel 1: script\n\nChannel 0: just\n\nChannel 1: for it. So it's for something\n\nChannel 0: Yep.\n\nChannel 1: that yeah.\n\nChannel 0: No. Yeah. No. I understand. That's absolutely fine.\n\nAfter the seven point five, is it likely to go out more, or does it sit at that now?\n\nChannel 1: I'm gonna leave it at the seven point five because the\n\nChannel 0: Yep.\n\nChannel 1: other ones yeah. No. It's too it's costly. Sorry.\n\nChannel 0: Yep.\n\nChannel 1: Alright.\n\nChannel 0: That's okay. I understand. All Alright. Okay. Beautiful.\n\nThe only other set of questions I have relates to immediate family members, so that's being your mom, dad, and siblings,\n\nChannel 1: Mhmm.\n\nChannel 0: and just if they have had been diagnosed with any of these conditions.\n\nChannel 1: Okay.\n\nChannel 0: First lot, heart disease, heart attack, or stroke,\n\nChannel 1: No.\n\nChannel 0: multiple cirrhosis, Parkinson's, or Alzheimer's, any muscular dystrophy, Huntington's, or motor neurone\n\nChannel 1: No.\n\nChannel 0: disease\n\nChannel 1: No.\n\nChannel 0: neuron.\n\nChannel 1: No.\n\nChannel 0: Sorry. Any bowel cancer or melanoma,\n\nChannel 1: No.\n\nChannel 0: any polycystic kidney disease, any breast or ovarian cancer,\n\nChannel 1: No.\n\nChannel 0: cardiomyopathy.\n\nChannel 1: What's that? Sorry.\n\nChannel 0: That's to do with the heart. So that's the heart being from my recollection. It's small or large in size?\n\nChannel 1: No.\n\nChannel 0: Nope. Any mental health condition?\n\nChannel 1: No.\n\nChannel 0: Any diabetes? And any other condition that you can think of that could potentially be\n\nChannel 1: No. Not that I know of, but I can always double check with my mom, to be honest.\n\nChannel 0: hereditary. Absolutely fine. Absolutely fine. Alright. Thank you for taking the time.\n\nThat's the end of that invasive questionnaire. What I'm gonna do is I'm gonna put together our a summary email for you, send it through. I'm gonna reach out to you on Friday. And in that time frame, I might get a pre assessment done. So when I do speak with you on Friday, I have a pretty good idea of what we can do insurance wise and if there's any limitations that we\n\nChannel 1: Okay.\n\nChannel 0: have.\n\nChannel 1: Beautiful. It sounds good.\n\nChannel 0: But that's it.\n\nChannel 1: Yep.\n\nChannel 0: Oh, beautiful.\n\nChannel 1: Thank you so\n\nChannel 0: Well,\n\nChannel 1: much.\n\nChannel 0: thanks. No. Thank you. And I will talk to you again on Friday.\n\nChannel 1: Alright. Thank you so much for you. Have a good day, and take care.\n\nChannel 0: Thanks, Kat. You too. Bye bye.\n\nChannel 1: Same. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.16,"end":0.48,"sentiment":"neutral","sentiment_score":0.03133566305041313},{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":0.48,"end":4.98,"sentiment":"neutral","sentiment_score":0.01513546728529036}],"sentiment":"neutral","sentiment_score":0.016088419977356407,"channel":1,"num_words":17,"start":0.16,"end":4.98},{"sentences":[{"text":"Jenna from Oakview Financial.","start":7.52,"end":9.3,"sentiment":"neutral","sentiment_score":0.029662966262549162}],"sentiment":"neutral","sentiment_score":0.029662966262549162,"channel":0,"num_words":4,"start":7.52,"end":9.3},{"sentences":[{"text":"Hello.","start":12.0,"end":12.4,"sentiment":"neutral","sentiment_score":0.03469901531934738},{"text":"Kat speaking.","start":12.4,"end":13.139999,"sentiment":"neutral","sentiment_score":0.03286880347877741}],"sentiment":"neutral","sentiment_score":0.033478874092300735,"channel":1,"num_words":3,"start":12.0,"end":13.139999},{"sentences":[{"text":"Hi, Kat.","start":13.759999,"end":14.4,"sentiment":"neutral","sentiment_score":0.12544473260641098},{"text":"This is Jenna here phoning from OCU Financial.","start":14.4,"end":16.775002,"sentiment":"neutral","sentiment_score":0.14846939966082573},{"text":"How are you today?","start":16.775002,"end":17.995,"sentiment":"neutral","sentiment_score":0.2054659128189087}],"sentiment":"neutral","sentiment_score":0.16146487955536162,"channel":0,"num_words":14,"start":13.759999,"end":17.995},{"sentences":[{"text":"I'm good.","start":18.045,"end":18.685,"sentiment":"positive","sentiment_score":0.4003114104270935},{"text":"How are you?","start":18.685,"end":19.425,"sentiment":"neutral","sentiment_score":0.30594562490781146}],"sentiment":"positive","sentiment_score":0.3436919391155243,"channel":1,"num_words":5,"start":18.045,"end":19.425},{"sentences":[{"text":"I'm well.","start":19.815,"end":20.535,"sentiment":"positive","sentiment_score":0.3375273793935776},{"text":"Thank you.","start":20.535,"end":21.015,"sentiment":"positive","sentiment_score":0.5097633302211761},{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":21.015,"end":25.975,"sentiment":"neutral","sentiment_score":0.02875574305653572},{"text":"Is that 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Ozempic.","start":684.47,"end":688.64996,"sentiment":"neutral","sentiment_score":-0.0016884063370525837}],"sentiment":"neutral","sentiment_score":-0.0016884063370525837,"channel":1,"num_words":12,"start":684.47,"end":688.64996},{"sentences":[{"text":"Yep.","start":689.42,"end":689.74,"sentiment":"neutral","sentiment_score":0.04096687212586403},{"text":"Okay.","start":689.74,"end":689.98,"sentiment":"neutral","sentiment_score":0.12122735381126404},{"text":"Beautiful.","start":689.98,"end":690.48,"sentiment":"positive","sentiment_score":0.35605019330978394}],"sentiment":"neutral","sentiment_score":0.17274813974897066,"channel":0,"num_words":3,"start":689.42,"end":690.48},{"sentences":[{"text":"It's fine.","start":690.065,"end":690.78503,"sentiment":"neutral","sentiment_score":0.2771238088607788},{"text":"Yeah.","start":690.78503,"end":691.28503,"sentiment":"neutral","sentiment_score":0.28114473819732666},{"text":"That's 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two.","start":704.81,"end":710.35004,"sentiment":"neutral","sentiment_score":0.058529349975287914}],"sentiment":"neutral","sentiment_score":0.0609871062704108,"channel":0,"num_words":22,"start":702.71497,"end":710.35004},{"sentences":[{"text":"Yes.","start":710.88995,"end":711.20996,"sentiment":"neutral","sentiment_score":0.14218348264694214},{"text":"That's correct.","start":711.20996,"end":712.00995,"sentiment":"neutral","sentiment_score":0.21132856607437134},{"text":"Yep.","start":712.00995,"end":712.50995,"sentiment":"positive","sentiment_score":0.37484437227249146}],"sentiment":"neutral","sentiment_score":0.23492124676704407,"channel":1,"num_words":4,"start":710.88995,"end":712.50995},{"sentences":[{"text":"Beautiful.","start":712.73004,"end":713.23004,"sentiment":"positive","sentiment_score":0.7197691202163696},{"text":"And your estate planning, do you have any of that in 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profile.","start":741.03,"end":750.885,"sentiment":"neutral","sentiment_score":0.11003230995050182},{"text":"So this the what this will help us do in reference to your superannuation or and future wealth building, being a single mom and working towards those goals for your daughter is just help us understand your tolerance to risk, what levels of risk you're willing to take.","start":750.885,"end":772.85,"sentiment":"neutral","sentiment_score":0.11287535672696929}],"sentiment":"neutral","sentiment_score":0.11395582322699901,"channel":0,"num_words":78,"start":737.75,"end":772.85},{"sentences":[{"text":"And it would be likely different if you looked at it from a like, your superannuation balance, which you have a long term investment time frame.","start":773.70996,"end":782.005,"sentiment":"neutral","sentiment_score":-0.030534921715465877},{"text":"Whereas if it was something maybe in your personal name, your risk tolerance may be less in that scenario.","start":782.005,"end":787.385,"sentiment":"neutral","sentiment_score":-0.09694174520279232},{"text":"So what I'm gonna do is ask these questions based on your superannuation at this stage.","start":787.445,"end":792.24,"sentiment":"neutral","sentiment_score":0.039265550090931356}],"sentiment":"neutral","sentiment_score":-0.032910693803283035,"channel":0,"num_words":61,"start":773.70996,"end":792.24},{"sentences":[{"text":"Yes.","start":792.94,"end":793.44,"sentiment":"neutral","sentiment_score":0.08223902434110641}],"sentiment":"neutral","sentiment_score":0.08223902434110641,"channel":1,"num_words":1,"start":792.94,"end":793.44},{"sentences":[{"text":"So if you can answer them thinking of your super balance when we talk about other investment options, yeah, in a little bit, we can then tailor our conversation differently to suit your tolerance to risk then.","start":793.74,"end":809.435,"sentiment":"neutral","sentiment_score":0.08071097953094018},{"text":"So how would you 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invest your investment knowledge?","start":831.035,"end":834.495,"sentiment":"neutral","sentiment_score":0.01265505375340581},{"text":"Are you aware that investments fluctuate?","start":834.95496,"end":837.295,"sentiment":"neutral","sentiment_score":0.0028304633839676776},{"text":"Do you have a good market grasp that you're still learning, basic investment knowledge, or you're not familiar?","start":837.995,"end":844.975,"sentiment":"neutral","sentiment_score":0.007753470964315865}],"sentiment":"neutral","sentiment_score":0.008493572437705902,"channel":0,"num_words":39,"start":827.27997,"end":844.975},{"sentences":[{"text":"I'm familiar with a few things.","start":846.275,"end":848.195,"sentiment":"neutral","sentiment_score":0.01955711841583252},{"text":"I would say basic, to be 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you","start":926.815,"end":933.21,"sentiment":"neutral","sentiment_score":0.16038349812681024}],"sentiment":"neutral","sentiment_score":0.16038349812681024,"channel":0,"num_words":11,"start":926.815,"end":933.21},{"sentences":[{"text":"Yep.","start":935.27997,"end":935.77997,"sentiment":"neutral","sentiment_score":0.16771388053894043}],"sentiment":"neutral","sentiment_score":0.16771388053894043,"channel":1,"num_words":1,"start":935.27997,"end":935.77997},{"sentences":[{"text":"there's no right or wrong answer.","start":935.83,"end":937.27,"sentiment":"neutral","sentiment_score":-0.019787137707074486},{"text":"So if you've had shares in the past, we'd definitely make have that as your answer.","start":937.27,"end":943.005,"sentiment":"neutral","sentiment_score":0.1854069964028895},{"text":"So if we look at this for your superannuation balance, once it has been placed or investments made, how long would you need it before you would need access to the 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worry?","start":1016.39,"end":1022.49,"sentiment":"neutral","sentiment_score":-0.21684555150568485},{"text":"More than 50%, up to 50%, up to 25%, up to 10%, or up to 5%?","start":1022.55,"end":1030.385,"sentiment":"neutral","sentiment_score":-0.1714942017570138},{"text":"So at what point would you worry?","start":1031.0851,"end":1032.7051,"sentiment":"neutral","sentiment_score":-0.11421612543719155}],"sentiment":"neutral","sentiment_score":-0.1974089000788,"channel":0,"num_words":54,"start":1012.23,"end":1032.7051},{"sentences":[{"text":"Up to 50%.","start":1034.6849,"end":1035.9049,"sentiment":"neutral","sentiment_score":-0.0931796208024025}],"sentiment":"neutral","sentiment_score":-0.0931796208024025,"channel":1,"num_words":3,"start":1034.6849,"end":1035.9049},{"sentences":[{"text":"Yep.","start":1036.685,"end":1037.185,"sentiment":"neutral","sentiment_score":0.009854402393102646},{"text":"Okay.","start":1039.7001,"end":1040.2001,"sentiment":"neutral","sentiment_score":-0.002677561715245247},{"text":"How would you feel if in six months after your first initial investment, you found out that your portfolio decreased by 20% due to the ups and downs of the investment market?","start":1040.34,"end":1051.24,"sentiment":"neutral","sentiment_score":-0.18504947377368808},{"text":"Would you, one, invest more for growth, invest modestly for growth, hold and wait for improvement, shift your assets to more defensive type assets, or convert to cash?","start":1051.695,"end":1065.27,"sentiment":"neutral","sentiment_score":-0.09664245628352676}],"sentiment":"neutral","sentiment_score":-0.13903863058095017,"channel":0,"num_words":62,"start":1036.685,"end":1065.27},{"sentences":[{"text":"Invest moderately.","start":1068.345,"end":1069.325,"sentiment":"neutral","sentiment_score":-0.0077009014785289764}],"sentiment":"neutral","sentiment_score":-0.0077009014785289764,"channel":1,"num_words":2,"start":1068.345,"end":1069.325},{"sentences":[{"text":"Yep.","start":1070.39,"end":1070.89,"sentiment":"neutral","sentiment_score":0.10992035269737244},{"text":"What kind of return do you expect to get in the long term from your investment?","start":1073.51,"end":1077.21,"sentiment":"neutral","sentiment_score":0.14349132869392633},{"text":"8% or above, six to 8%, four to six, or two to four?","start":1078.0851,"end":1083.0651,"sentiment":"neutral","sentiment_score":0.03798998720370806}],"sentiment":"neutral","sentiment_score":0.09665504818161329,"channel":0,"num_words":30,"start":1070.39,"end":1083.0651},{"sentences":[{"text":"8% and about.","start":1083.6599,"end":1085.0399,"sentiment":"neutral","sentiment_score":0.0158137201021115}],"sentiment":"neutral","sentiment_score":0.0158137201021115,"channel":1,"num_words":3,"start":1083.6599,"end":1085.0399},{"sentences":[{"text":"Yep.","start":1085.605,"end":1086.105,"sentiment":"neutral","sentiment_score":0.1509772688150406},{"text":"Beautiful.","start":1086.165,"end":1086.665,"sentiment":"positive","sentiment_score":0.5000388622283936},{"text":"Have your investments, including superannuation, ever dropped in value, and how did it make you feel?","start":1090.005,"end":1095.13,"sentiment":"neutral","sentiment_score":0.08188190311193466},{"text":"Were you optimistic about future investments or cautious with no further investments plans, concerned, or highly anxious,","start":1095.59,"end":1104.405,"sentiment":"neutral","sentiment_score":-0.1323874461300233}],"sentiment":"neutral","sentiment_score":-0.00827028581074306,"channel":0,"num_words":35,"start":1085.605,"end":1104.405},{"sentences":[{"text":"I'll say I'm more cautious, but I wasn't overtly too worried.","start":1111.75,"end":1115.61,"sentiment":"neutral","sentiment_score":-0.1233891865069216},{"text":"Yeah.","start":1116.455,"end":1116.955,"sentiment":"neutral","sentiment_score":0.027443550527095795}],"sentiment":"neutral","sentiment_score":-0.11081979175408681,"channel":1,"num_words":12,"start":1111.75,"end":1116.955},{"sentences":[{"text":"How much How much are you how much risk are you willing to take to get the return you want?","start":1119.045,"end":1125.28,"sentiment":"neutral","sentiment_score":0.057472086511552334},{"text":"So max return regardless of risk, high risk for big returns, moderate risk for good returns, minimal risk slight returns, or safety first?","start":1125.58,"end":1136.335,"sentiment":"neutral","sentiment_score":0.0674453781026861}],"sentiment":"neutral","sentiment_score":0.06280663782774015,"channel":0,"num_words":43,"start":1119.045,"end":1136.335},{"sentences":[{"text":"Moderate.","start":1137.0299,"end":1137.5299,"sentiment":"neutral","sentiment_score":0.01665256731212139}],"sentiment":"neutral","sentiment_score":0.01665256731212139,"channel":1,"num_words":1,"start":1137.0299,"end":1137.5299},{"sentences":[{"text":"Moderate.","start":1138.5549,"end":1139.0549,"sentiment":"neutral","sentiment_score":0.045273881405591965},{"text":"Yep.","start":1139.2749,"end":1139.7749,"sentiment":"neutral","sentiment_score":0.0764118954539299}],"sentiment":"neutral","sentiment_score":0.06084288842976093,"channel":0,"num_words":2,"start":1138.5549,"end":1139.7749},{"sentences":[{"text":"Yeah.","start":1140.07,"end":1140.57,"sentiment":"neutral","sentiment_score":0.06913062930107117}],"sentiment":"neutral","sentiment_score":0.06913062930107117,"channel":1,"num_words":1,"start":1140.07,"end":1140.57},{"sentences":[{"text":"What kind of income do you expect to get net of to get from your investments in the future?","start":1142.5549,"end":1148.815,"sentiment":"neutral","sentiment_score":0.07548791326974567},{"text":"So an example would be is capital growth is the share price increasing over time, so from $10 to $20 in price.","start":1149.8301,"end":1159.21,"sentiment":"neutral","sentiment_score":0.05172948657789014},{"text":"And an example of the dividend that you get from holding the share.","start":1160.0701,"end":1165.385,"sentiment":"neutral","sentiment_score":0.03710752152479612},{"text":"So would you expect capital growth only with no income?","start":1165.925,"end":1169.9451,"sentiment":"neutral","sentiment_score":0.004465490020811558},{"text":"So we're talking about your your super 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I'd","start":1221.9601,"end":1222.2001,"sentiment":"neutral","sentiment_score":0.020876001566648483}],"sentiment":"neutral","sentiment_score":0.00007071512702264284,"channel":1,"num_words":19,"start":1215.16,"end":1222.2001},{"sentences":[{"text":"Mhmm.","start":1222.175,"end":1222.675,"sentiment":"neutral","sentiment_score":0.012295587919652462}],"sentiment":"neutral","sentiment_score":0.012295587919652462,"channel":0,"num_words":1,"start":1222.175,"end":1222.675},{"sentences":[{"text":"say in terms of property, it's something that I'm willing to borrow money for.","start":1222.2001,"end":1226.3,"sentiment":"neutral","sentiment_score":0.017143545605774437}],"sentiment":"neutral","sentiment_score":0.017143545605774437,"channel":1,"num_words":14,"start":1222.2001,"end":1226.3},{"sentences":[{"text":"Yep.","start":1226.655,"end":1226.975,"sentiment":"neutral","sentiment_score":0.1116495132446289},{"text":"So an investment property as well as a home your own 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about your borrowing due to significant risks.","start":1233.87,"end":1257.105,"sentiment":"neutral","sentiment_score":0.031486698619599615}],"sentiment":"neutral","sentiment_score":0.035944323241710666,"channel":0,"num_words":55,"start":1232.015,"end":1257.105},{"sentences":[{"text":"I'll be comfortable.","start":1258.1849,"end":1259.005,"sentiment":"neutral","sentiment_score":0.16097885370254517}],"sentiment":"neutral","sentiment_score":0.16097885370254517,"channel":1,"num_words":3,"start":1258.1849,"end":1259.005},{"sentences":[{"text":"Yep.","start":1260.125,"end":1260.625,"sentiment":"positive","sentiment_score":0.34336715936660767},{"text":"Beautiful.","start":1260.845,"end":1261.345,"sentiment":"positive","sentiment_score":0.5560422539710999},{"text":"That's the end of my interrogate interrogation.","start":1262.13,"end":1265.67,"sentiment":"neutral","sentiment_score":0.240720129438809},{"text":"So what that helps us understand is your, as I mentioned earlier, your risk 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31?","start":1372.53,"end":1378.7101,"sentiment":"neutral","sentiment_score":-0.07367764189839363},{"text":"Is that 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though.","start":1397.275,"end":1398.415,"sentiment":"neutral","sentiment_score":0.18952293197313944},{"text":"It's the next one up from that is a high growth investor.","start":1399.6799,"end":1403.12,"sentiment":"neutral","sentiment_score":0.3062310293316841},{"text":"So the difference being is that it's a 10% split.","start":1403.12,"end":1407.2999,"sentiment":"neutral","sentiment_score":0.14837630465626717}],"sentiment":"neutral","sentiment_score":0.1959194691273673,"channel":0,"num_words":29,"start":1395.435,"end":1407.2999},{"sentences":[{"text":"Your returns are expected to be between eight to 10%.","start":1408.72,"end":1412.5,"sentiment":"neutral","sentiment_score":0.04251931644976139},{"text":"The volatility expected could be anywhere between plus to negative 14%, and this is just standard statistics.","start":1413.165,"end":1420.785,"sentiment":"neutral","sentiment_score":-0.19377965436262243},{"text":"And the likelihood of a negative return, the same with gross, is one in every five years with a minimum time frame of at least eight years.","start":1422.8451,"end":1431.6399,"sentiment":"neutral","sentiment_score":-0.30025830533769393},{"text":"I it and what the most important part of investing would be that, excuse me, you pass the sleep at night test.","start":1434.1799,"end":1444.0751,"sentiment":"positive","sentiment_score":0.4164015410298651},{"text":"So you've got to be comfortable with your allocation and how it's it's structured for your the goals that you wanna achieve.","start":1444.0751,"end":1457.6499,"sentiment":"positive","sentiment_score":0.5210791230201721}],"sentiment":"neutral","sentiment_score":0.09845448372771545,"channel":0,"num_words":98,"start":1408.72,"end":1457.6499},{"sentences":[{"text":"So if you're looking at growing your super to meet those income needs, it might be that initially we need to take a little bit more risk to, like, take so so I say a little bit more risk.","start":1457.6499,"end":1472.5851,"sentiment":"neutral","sentiment_score":0.02665003465536313},{"text":"Like, take a a a different risk profile, so maybe a high growth one to help work towards those achieving those goals,","start":1472.5851,"end":1481.805,"sentiment":"neutral","sentiment_score":0.11342085508460348}],"sentiment":"neutral","sentiment_score":0.057944428908531784,"channel":0,"num_words":61,"start":1457.6499,"end":1481.805},{"sentences":[{"text":"Yep.","start":1482.515,"end":1483.015,"sentiment":"neutral","sentiment_score":0.025949575006961823}],"sentiment":"neutral","sentiment_score":0.025949575006961823,"channel":1,"num_words":1,"start":1482.515,"end":1483.015},{"sentences":[{"text":"and then you'd taper off over time.","start":1483.0651,"end":1485.405,"sentiment":"neutral","sentiment_score":-0.05278361748371806},{"text":"So it's it's about your comfort level given your your pretty much I'm just having a look.","start":1485.9451,"end":1495.7001,"sentiment":"neutral","sentiment_score":0.1125307646306122},{"text":"Your I'm just having a look.","start":1497.68,"end":1502.645,"sentiment":"neutral","sentiment_score":0.04284935879210631},{"text":"Excuse me.","start":1509.745,"end":1510.7251,"sentiment":"neutral","sentiment_score":-0.07496066391468048},{"text":"You're at the bottom.","start":1520.16,"end":1521.2201,"sentiment":"neutral","sentiment_score":-0.0038809808902442455}],"sentiment":"neutral","sentiment_score":0.045421904936018914,"channel":0,"num_words":36,"start":1483.0651,"end":1521.2201},{"sentences":[{"text":"One more number, and you would have been a a so growth starts from an about a questionnaire total of 31 to 35.","start":1522.2401,"end":1532.1749,"sentiment":"neutral","sentiment_score":0.04133499842946944},{"text":"A high growth is 25 to 30.","start":1532.1749,"end":1534.755,"sentiment":"neutral","sentiment_score":0.13738738213266646},{"text":"You scored 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high growth approach","start":1554.9049,"end":1569.0701,"sentiment":"neutral","sentiment_score":0.005044689101557578}],"sentiment":"neutral","sentiment_score":0.0019508909899741411,"channel":0,"num_words":32,"start":1554.1599,"end":1569.0701},{"sentences":[{"text":"Mhmm.","start":1569.6901,"end":1570.1901,"sentiment":"neutral","sentiment_score":0.046849675476551056}],"sentiment":"neutral","sentiment_score":0.046849675476551056,"channel":1,"num_words":1,"start":1569.6901,"end":1570.1901},{"sentences":[{"text":"given your time and also the fact that you're one number away from being a high growth risk profile anyway.","start":1569.8501,"end":1577.37,"sentiment":"neutral","sentiment_score":-0.022547831386327745},{"text":"So I think you're under and given the fact that you have answered that you've had shares in the past, you understand loan and debt for investment purposes from 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check.","start":1719.115,"end":1720.155,"sentiment":"neutral","sentiment_score":0.05830015614628792},{"text":"Yeah.","start":1720.155,"end":1720.655,"sentiment":"neutral","sentiment_score":0.05030493438243866}],"sentiment":"neutral","sentiment_score":0.056301350705325603,"channel":1,"num_words":4,"start":1719.115,"end":1720.655},{"sentences":[{"text":"Yeah.","start":1720.82,"end":1721.2999,"sentiment":"neutral","sentiment_score":0.03142135590314865},{"text":"No.","start":1721.2999,"end":1721.5399,"sentiment":"neutral","sentiment_score":-0.010986965149641035},{"text":"That's alright.","start":1721.5399,"end":1722.2799,"sentiment":"neutral","sentiment_score":0.02761163841933012}],"sentiment":"neutral","sentiment_score":0.018914416898041964,"channel":0,"num_words":4,"start":1720.82,"end":1722.2799},{"sentences":[{"text":"Yeah.","start":1721.835,"end":1722.335,"sentiment":"neutral","sentiment_score":0.09625300019979476}],"sentiment":"neutral","sentiment_score":0.09625300019979476,"channel":1,"num_words":1,"start":1721.835,"end":1722.335},{"sentences":[{"text":"The the reason I asked that is there are investment options available for you that you can invest in.","start":1722.5549,"end":1730.975,"sentiment":"neutral","sentiment_score":0.10032053487865548},{"text":"The minimum investment is, I think, starting balance is a thousand dollars, and you can continue making regular investments.","start":1731.595,"end":1738.76,"sentiment":"neutral","sentiment_score":0.25809141130823837},{"text":"The benefit of those is particularly in ten years' time, which would be probably around the time she may be looking at.","start":1740.18,"end":1750.755,"sentiment":"positive","sentiment_score":0.4334787902506915},{"text":"I mean, she would have finished high school.","start":1750.755,"end":1752.535,"sentiment":"neutral","sentiment_score":0.17401175200939178}],"sentiment":"neutral","sentiment_score":0.26085962322266665,"channel":0,"num_words":68,"start":1722.5549,"end":1752.535},{"sentences":[{"text":"Yes.","start":1753.095,"end":1753.595,"sentiment":"neutral","sentiment_score":0.09081940352916718}],"sentiment":"neutral","sentiment_score":0.09081940352916718,"channel":1,"num_words":1,"start":1753.095,"end":1753.595},{"sentences":[{"text":"Not sure.","start":1754.435,"end":1755.155,"sentiment":"neutral","sentiment_score":-0.018890200182795525},{"text":"But in ten years' time, what the type of insurance type of investment it is is that it's at it's called tax paid.","start":1755.155,"end":1764.3201,"sentiment":"neutral","sentiment_score":-0.010543519226105316},{"text":"So in ten years, you would withdraw it, and it is no tax payable on it.","start":1764.3201,"end":1770.64,"sentiment":"neutral","sentiment_score":0.03303098073229194},{"text":"No capital gains or anything like that because it's all taxed internally whilst invested.","start":1770.64,"end":1777.555,"sentiment":"neutral","sentiment_score":-0.09973159871463265}],"sentiment":"neutral","sentiment_score":-0.020873236960985444,"channel":0,"num_words":55,"start":1754.435,"end":1777.555},{"sentences":[{"text":"Oh, okay.","start":1778.6849,"end":1779.4049,"sentiment":"neutral","sentiment_score":0.086116474121809}],"sentiment":"neutral","sentiment_score":0.086116474121809,"channel":1,"num_words":2,"start":1778.6849,"end":1779.4049},{"sentences":[{"text":"That's","start":1778.975,"end":1779.475,"sentiment":"neutral","sentiment_score":0.06460219621658325}],"sentiment":"neutral","sentiment_score":0.06460219621658325,"channel":0,"num_words":1,"start":1778.975,"end":1779.475},{"sentences":[{"text":"This is for tonight.","start":1779.4049,"end":1780.5449,"sentiment":"neutral","sentiment_score":0.09483344294130802}],"sentiment":"neutral","sentiment_score":0.09483344294130802,"channel":1,"num_words":4,"start":1779.4049,"end":1780.5449},{"sentences":[{"text":"yeah.","start":1780.095,"end":1780.595,"sentiment":"neutral","sentiment_score":0.12298139929771423},{"text":"Yeah.","start":1781.135,"end":1781.535,"sentiment":"neutral","sentiment_score":0.1332041621208191}],"sentiment":"neutral","sentiment_score":0.12809278070926666,"channel":0,"num_words":2,"start":1780.095,"end":1781.535},{"sentences":[{"text":"Yep.","start":1781.485,"end":1781.985,"sentiment":"neutral","sentiment_score":0.15935073792934418}],"sentiment":"neutral","sentiment_score":0.15935073792934418,"channel":1,"num_words":1,"start":1781.485,"end":1781.985},{"sentences":[{"text":"So that is an option whether you're ready to do it now or whether you're ready to do it down the track,","start":1781.535,"end":1787.315,"sentiment":"neutral","sentiment_score":0.12991555238311941}],"sentiment":"neutral","sentiment_score":0.12991555238311941,"channel":0,"num_words":22,"start":1781.535,"end":1787.315},{"sentences":[{"text":"Yep.","start":1787.6449,"end":1788.1449,"sentiment":"neutral","sentiment_score":0.11907606571912766}],"sentiment":"neutral","sentiment_score":0.11907606571912766,"channel":1,"num_words":1,"start":1787.6449,"end":1788.1449},{"sentences":[{"text":"but that's something that we can look at also.","start":1787.7799,"end":1790.2,"sentiment":"neutral","sentiment_score":0.04899348566929499},{"text":"And do you think that would be something more down the track?","start":1790.98,"end":1793.48,"sentiment":"neutral","sentiment_score":-0.09328129204610984}],"sentiment":"neutral","sentiment_score":-0.03230638731093634,"channel":0,"num_words":21,"start":1787.7799,"end":1793.48},{"sentences":[{"text":"Something definitely down the track.","start":1794.59,"end":1796.27,"sentiment":"neutral","sentiment_score":-0.18346641957759857},{"text":"It's it's good to know just to weigh up your 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other question I just need to run through with you is from the insurance side of things.","start":1805.115,"end":1810.975,"sentiment":"neutral","sentiment_score":-0.027536274658309087},{"text":"I'll just explain quickly the types of insurance that are available.","start":1811.0349,"end":1815.455,"sentiment":"neutral","sentiment_score":0.012151354415850206},{"text":"There is life insurance, which is self payable to your beneficiary,","start":1816.235,"end":1832.13,"sentiment":"neutral","sentiment_score":0.005466692657633262}],"sentiment":"neutral","sentiment_score":-0.005590413992361325,"channel":0,"num_words":41,"start":1802.6599,"end":1832.13},{"sentences":[{"text":"Mhmm.","start":1833.2,"end":1833.7,"sentiment":"neutral","sentiment_score":0.0008424241095781326}],"sentiment":"neutral","sentiment_score":0.0008424241095781326,"channel":1,"num_words":1,"start":1833.2,"end":1833.7},{"sentences":[{"text":"plus would make sure that we'd have one set up.","start":1834.005,"end":1836.265,"sentiment":"neutral","sentiment_score":-0.000604621134698391},{"text":"And then your TPD insurance, which is total and permanent disablement, is a payment that is exactly that.","start":1838.165,"end":1848.025,"sentiment":"neutral","sentiment_score":-0.08843320277002123},{"text":"If you're totally and permanently disabled and deemed not to be able to return to work in an occupation that you are trained or appropriately trained or educated in.","start":1848.5901,"end":1859.17,"sentiment":"neutral","sentiment_score":-0.1933339906149897}],"sentiment":"neutral","sentiment_score":-0.12639525594810644,"channel":0,"num_words":57,"start":1834.005,"end":1859.17},{"sentences":[{"text":"Yeah.","start":1859.7301,"end":1860.2301,"sentiment":"neutral","sentiment_score":-0.08378695696592331}],"sentiment":"neutral","sentiment_score":-0.08378695696592331,"channel":1,"num_words":1,"start":1859.7301,"end":1860.2301},{"sentences":[{"text":"So if you think of TPD is a worst case scenario, so it might be, for example, you're in a car accident yesterday and you've lost the ability to use your your hands or your arms, therefore, you're not able to drive to work work your role, those types of","start":1861.855,"end":1888.8949,"sentiment":"neutral","sentiment_score":-0.19127169370651245}],"sentiment":"neutral","sentiment_score":-0.19127169370651245,"channel":0,"num_words":50,"start":1861.855,"end":1888.8949},{"sentences":[{"text":"Yeah.","start":1888.79,"end":1889.29,"sentiment":"neutral","sentiment_score":-0.036981575191020966}],"sentiment":"neutral","sentiment_score":-0.036981575191020966,"channel":1,"num_words":1,"start":1888.79,"end":1889.29},{"sentences":[{"text":"things.","start":1888.8949,"end":1889.3949,"sentiment":"neutral","sentiment_score":-0.06046672910451889}],"sentiment":"neutral","sentiment_score":-0.06046672910451889,"channel":0,"num_words":1,"start":1888.8949,"end":1889.3949},{"sentences":[{"text":"Okay.","start":1889.75,"end":1890.25,"sentiment":"neutral","sentiment_score":0.05257598310709}],"sentiment":"neutral","sentiment_score":0.05257598310709,"channel":1,"num_words":1,"start":1889.75,"end":1890.25},{"sentences":[{"text":"Yep.","start":1889.7749,"end":1890.2749,"sentiment":"neutral","sentiment_score":0.08433882892131805},{"text":"The other the other type of policy is a income protection policy, which is the one you're alluding to before being a single mom.","start":1890.975,"end":1898.815,"sentiment":"neutral","sentiment_score":-0.0020955029564599203},{"text":"If anything happens to you and you're unable to work, that is that will cover you in the event that you're unable to work due to injury or illness.","start":1898.815,"end":1908.67,"sentiment":"neutral","sentiment_score":-0.19236868517152195},{"text":"It doesn't cover unemployment or anything like that.","start":1909.45,"end":1912.59,"sentiment":"negative","sentiment_score":-0.3579837493598461},{"text":"It's","start":1912.73,"end":1912.97,"sentiment":"neutral","sentiment_score":-0.11267654597759248}],"sentiment":"neutral","sentiment_score":-0.1352570103629241,"channel":0,"num_words":63,"start":1889.7749,"end":1912.97},{"sentences":[{"text":"Okay.","start":1912.95,"end":1913.45,"sentiment":"neutral","sentiment_score":-0.10861258208751678}],"sentiment":"neutral","sentiment_score":-0.10861258208751678,"channel":1,"num_words":1,"start":1912.95,"end":1913.45},{"sentences":[{"text":"just injury or illness.","start":1912.97,"end":1914.35,"sentiment":"neutral","sentiment_score":-0.09272218309342861},{"text":"And what it does cover is it will cover 70% of your taxable income.","start":1914.915,"end":1920.995,"sentiment":"neutral","sentiment_score":0.10887594946793147},{"text":"So 70% of the $82,000 that you earn annually, and it's paid 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the","start":1938.05,"end":1938.6901,"sentiment":"neutral","sentiment_score":-0.009415427222847939}],"sentiment":"neutral","sentiment_score":-0.009415427222847939,"channel":0,"num_words":2,"start":1938.05,"end":1938.6901},{"sentences":[{"text":"No.","start":1938.56,"end":1939.06,"sentiment":"neutral","sentiment_score":-0.09961531311273576}],"sentiment":"neutral","sentiment_score":-0.09961531311273576,"channel":1,"num_words":1,"start":1938.56,"end":1939.06},{"sentences":[{"text":"easiest way I like to explain it is is a waiting period is similar to an excess on your current insurance policy.","start":1938.6901,"end":1944.495,"sentiment":"neutral","sentiment_score":-0.039386608891866424},{"text":"It's","start":1944.875,"end":1945.115,"sentiment":"neutral","sentiment_score":0.003882629331201315}],"sentiment":"neutral","sentiment_score":-0.037505337664776525,"channel":0,"num_words":23,"start":1938.6901,"end":1945.115},{"sentences":[{"text":"Yeah.","start":1944.9601,"end":1945.4601,"sentiment":"neutral","sentiment_score":0.006933804601430893}],"sentiment":"neutral","sentiment_score":0.006933804601430893,"channel":1,"num_words":1,"start":1944.9601,"end":1945.4601},{"sentences":[{"text":"the number of days you've gotta wait until you're eligible to begin being paid.","start":1945.115,"end":1951.375,"sentiment":"neutral","sentiment_score":-0.03407611125814063},{"text":"And that varies between insurers from thirty days to sixty days, ninety days, and and it can continue up from there.","start":1952.635,"end":1960.4501,"sentiment":"neutral","sentiment_score":-0.0198361420383056},{"text":"The benefit period is the number the period of time you're you're eligible to be paid for.","start":1962.03,"end":1972.8251,"sentiment":"neutral","sentiment_score":0.052014952635063845},{"text":"So it can be two years, five years, to age 65, depending on how we structure the policy.","start":1973.285,"end":1980.9851,"sentiment":"neutral","sentiment_score":0.06285669551127487},{"text":"So for example, even if you had a five year benefit period, that doesn't mean that you would just be on claim for five years.","start":1982.5651,"end":1991.3099,"sentiment":"neutral","sentiment_score":-0.00037459328770637527}],"sentiment":"neutral","sentiment_score":0.011712477277768286,"channel":0,"num_words":95,"start":1945.115,"end":1991.3099},{"sentences":[{"text":"It's only until your doctor says that you're fit to return to 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months.","start":2005.8049,"end":2011.9049,"sentiment":"neutral","sentiment_score":-0.24317358682552973}],"sentiment":"neutral","sentiment_score":-0.24317358682552973,"channel":0,"num_words":12,"start":2005.8049,"end":2011.9049},{"sentences":[{"text":"not.","start":2012.325,"end":2012.825,"sentiment":"neutral","sentiment_score":-0.13017112016677856}],"sentiment":"neutral","sentiment_score":-0.13017112016677856,"channel":1,"num_words":1,"start":2012.325,"end":2012.825},{"sentences":[{"text":"He had a thirty day waiting period.","start":2013.18,"end":2014.9601,"sentiment":"neutral","sentiment_score":-0.1584006313766752},{"text":"So the first thirty days was no income.","start":2015.42,"end":2017.8401,"sentiment":"neutral","sentiment_score":-0.24493778310716152},{"text":"He had a little bit of sick leave that covered him during that thirty days.","start":2018.62,"end":2022.14,"sentiment":"neutral","sentiment_score":-0.25413822730382285},{"text":"We had to use savings, etcetera.","start":2022.14,"end":2024.16,"sentiment":"neutral","sentiment_score":-0.11458829914530118},{"text":"And then after that, he was paid for the three months while on claim.","start":2024.78,"end":2029.195,"sentiment":"neutral","sentiment_score":-0.12272513072405543}],"sentiment":"neutral","sentiment_score":-0.1857212343811989,"channel":0,"num_words":50,"start":2013.18,"end":2029.195},{"sentences":[{"text":"So after he recovered, he was cleared to go back to work.","start":2029.655,"end":2032.695,"sentiment":"neutral","sentiment_score":-0.09643629379570484},{"text":"So if he wasn't cleared to go back to work and his injury was gonna take a lot longer, the maximum time that he would have been able to be on claim for is five years because that","start":2032.695,"end":2044.46,"sentiment":"negative","sentiment_score":-0.3391319160398684}],"sentiment":"neutral","sentiment_score":-0.28088496670126917,"channel":0,"num_words":50,"start":2029.655,"end":2044.46},{"sentences":[{"text":"Okay.","start":2044.355,"end":2044.855,"sentiment":"neutral","sentiment_score":-0.07226862758398056}],"sentiment":"neutral","sentiment_score":-0.07226862758398056,"channel":1,"num_words":1,"start":2044.355,"end":2044.855},{"sentences":[{"text":"was his benefit period.","start":2044.46,"end":2046.38,"sentiment":"neutral","sentiment_score":-0.07786602154374123},{"text":"So that's how those two work.","start":2046.38,"end":2048.0,"sentiment":"neutral","sentiment_score":0.01695984477798144},{"text":"The very last policy is trauma insurance.","start":2049.18,"end":2051.8398,"sentiment":"neutral","sentiment_score":-0.2443443728344781},{"text":"Oh, sorry.","start":2052.7,"end":2053.18,"sentiment":"neutral","sentiment_score":-0.17061367630958557},{"text":"Before I go ahead.","start":2053.18,"end":2054.245,"sentiment":"neutral","sentiment_score":-0.09779511392116547}],"sentiment":"neutral","sentiment_score":-0.11532710589792418,"channel":0,"num_words":23,"start":2044.46,"end":2054.245},{"sentences":[{"text":"So life, TPD, and income protection can be funded between from your superannuation funds as to not impact your personal cash flow.","start":2054.385,"end":2063.445,"sentiment":"neutral","sentiment_score":0.046341953545131466},{"text":"But the other thing we do look at is the cost of those covers and how the long term effect of that will impact your super fund.","start":2063.5051,"end":2069.73,"sentiment":"neutral","sentiment_score":0.002265616285580176},{"text":"So it's a catch 22, so we look at both as an option.","start":2069.73,"end":2073.75,"sentiment":"neutral","sentiment_score":0.05562279745936394}],"sentiment":"neutral","sentiment_score":0.029093402978633682,"channel":0,"num_words":62,"start":2054.385,"end":2073.75},{"sentences":[{"text":"Mhmm.","start":2074.52,"end":2075.02,"sentiment":"neutral","sentiment_score":0.017018131911754608}],"sentiment":"neutral","sentiment_score":0.017018131911754608,"channel":1,"num_words":1,"start":2074.52,"end":2075.02},{"sentences":[{"text":"And then the last policy that's available is one that's called trauma, and it's a lump sum tax free payment in the event that you're diagnosed with a critical illness.","start":2075.73,"end":2087.615,"sentiment":"neutral","sentiment_score":0.025436325805882613},{"text":"So most trauma policies are approximately about 42 illnesses that you need you if you are diagnosed with, you'll receive a lump sum payment.","start":2087.615,"end":2096.115,"sentiment":"neutral","sentiment_score":0.006920843074719111},{"text":"The severity depends on the insurance company, and they range from cancer, stroke, heart attack, neurological diseases.","start":2096.6,"end":2104.86,"sentiment":"neutral","sentiment_score":-0.06528085908469032}],"sentiment":"neutral","sentiment_score":-0.0025434450207042023,"channel":0,"num_words":71,"start":2075.73,"end":2104.86},{"sentences":[{"text":"Yes.","start":2104.8398,"end":2105.3398,"sentiment":"neutral","sentiment_score":0.054821789264678955}],"sentiment":"neutral","sentiment_score":0.054821789264678955,"channel":1,"num_words":1,"start":2104.8398,"end":2105.3398},{"sentences":[{"text":"And the reason why that policy that claim would be tax free is because that is actually paid out of your personal cash flow.","start":2106.76,"end":2113.925,"sentiment":"neutral","sentiment_score":0.08206827193498611},{"text":"It cannot be funded through super.","start":2113.925,"end":2115.9448,"sentiment":"neutral","sentiment_score":-0.08299343101680279},{"text":"So","start":2116.4849,"end":2116.885,"sentiment":"neutral","sentiment_score":-0.005721926689147949}],"sentiment":"neutral","sentiment_score":0.047288903666119424,"channel":0,"num_words":31,"start":2106.76,"end":2116.885},{"sentences":[{"text":"Okay.","start":2116.605,"end":2117.105,"sentiment":"neutral","sentiment_score":0.03171227127313614}],"sentiment":"neutral","sentiment_score":0.03171227127313614,"channel":1,"num_words":1,"start":2116.605,"end":2117.105},{"sentences":[{"text":"it's kind of a gap between your TPD and your income protection cover because, likely, you will 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your life and TPD, I'm just gonna ask a couple of quick questions that will help me look at some insured.","start":2221.45,"end":2226.9949,"sentiment":"neutral","sentiment_score":0.2127025161277164},{"text":"When you look at I guess, first of all, you mentioned you wanna make sure anything that happens to your daughter, it's it's covered.","start":2230.575,"end":2241.8298,"sentiment":"neutral","sentiment_score":0.13795231562107801}],"sentiment":"neutral","sentiment_score":0.1742312480904618,"channel":0,"num_words":49,"start":2219.53,"end":2241.8298},{"sentences":[{"text":"Is you mentioned university life costs, 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the","start":2645.805,"end":2646.365,"sentiment":"neutral","sentiment_score":0.003921704133972526}],"sentiment":"neutral","sentiment_score":0.003921704133972526,"channel":0,"num_words":2,"start":2645.805,"end":2646.365},{"sentences":[{"text":"50.","start":2646.3398,"end":2646.8398,"sentiment":"neutral","sentiment_score":0.0015242118388414383}],"sentiment":"neutral","sentiment_score":0.0015242118388414383,"channel":1,"num_words":1,"start":2646.3398,"end":2646.8398},{"sentences":[{"text":"initial fee for the advice and the ongoing fee.","start":2646.365,"end":2650.385,"sentiment":"neutral","sentiment_score":0.0059783195869790185},{"text":"The ongoing fee is set at 1.65% per annum of your funds under management.","start":2650.845,"end":2656.625,"sentiment":"neutral","sentiment_score":0.009201897640845605},{"text":"So that's based on your balance today.","start":2656.765,"end":2659.99,"sentiment":"neutral","sentiment_score":0.0210906629051481},{"text":"If you were to do an investment bond 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fine, while you're on the call.","start":2872.42,"end":2878.5352,"sentiment":"neutral","sentiment_score":0.09266264090935389}],"sentiment":"neutral","sentiment_score":0.09266264090935389,"channel":1,"num_words":15,"start":2872.42,"end":2878.5352},{"sentences":[{"text":"Oh, fantastic.","start":2878.125,"end":2879.8252,"sentiment":"positive","sentiment_score":0.6692964434623718},{"text":"Lovely.","start":2880.02,"end":2880.22,"sentiment":"positive","sentiment_score":0.7489386796951294},{"text":"I love that.","start":2880.22,"end":2881.16,"sentiment":"positive","sentiment_score":0.7865482568740845},{"text":"Okay.","start":2881.54,"end":2882.04,"sentiment":"neutral","sentiment_score":0.24548736214637756},{"text":"And the next questions really are from here is, with the insurance, the only thing that I do note that what we would want to look at doing to avoid any 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guidelines.","start":2918.69,"end":2923.27,"sentiment":"neutral","sentiment_score":-0.05414190409438951},{"text":"Sorry.","start":2923.81,"end":2924.31,"sentiment":"neutral","sentiment_score":-0.15621261298656464},{"text":"Incorrect terms, you said.","start":2924.45,"end":2925.91,"sentiment":"neutral","sentiment_score":-0.20845027640461922}],"sentiment":"neutral","sentiment_score":-0.027818015638600896,"channel":0,"num_words":54,"start":2901.0352,"end":2925.91},{"sentences":[{"text":"The reason I say that is is you are on a weight loss journey at the moment, and they will look at the for example, how much weight you've lost over a twelve month period, etcetera, and they will set so they'll wanna look further.","start":2927.345,"end":2945.6,"sentiment":"neutral","sentiment_score":-0.04588613816433483},{"text":"So what it means is basically is they might say, yep.","start":2945.6,"end":2949.76,"sentiment":"neutral","sentiment_score":0.03420146182179451},{"text":"Happy to proceed with cover.","start":2949.76,"end":2951.46,"sentiment":"neutral","sentiment_score":0.19472973942756652},{"text":"It's all it's all kosher.","start":2951.52,"end":2954.0552,"sentiment":"neutral","sentiment_score":0.19004232585430145},{"text":"There's no risk factors additional risk factors we see here.","start":2954.435,"end":2957.815,"sentiment":"neutral","sentiment_score":0.05280793979763985}],"sentiment":"neutral","sentiment_score":0.010043152460926458,"channel":0,"num_words":76,"start":2927.345,"end":2957.815},{"sentences":[{"text":"That's fantastic.","start":2958.0352,"end":2958.855,"sentiment":"positive","sentiment_score":0.42186588048934937},{"text":"Worst case scenario is they might say, no.","start":2959.635,"end":2963.235,"sentiment":"neutral","sentiment_score":-0.2817417923361063},{"text":"We wanna wait six months and revisit the application in six months.","start":2963.235,"end":2966.855,"sentiment":"neutral","sentiment_score":-0.2581014384826024},{"text":"Middle case scenario is, yep.","start":2967.155,"end":2969.43,"sentiment":"neutral","sentiment_score":-0.12679828256368636},{"text":"That's fine, but we may apply a loading to that insurance policy, which would be reviewable in x y z amount of time.","start":2969.43,"end":2978.33,"sentiment":"neutral","sentiment_score":0.05611632861520933}],"sentiment":"neutral","sentiment_score":-0.07701471388339996,"channel":0,"num_words":50,"start":2958.0352,"end":2978.33},{"sentences":[{"text":"So what we like to do is make sure that we have all the pre assessment details ready.","start":2979.03,"end":2985.595,"sentiment":"neutral","sentiment_score":0.29572586301300263},{"text":"It does speed up the process in relation to getting a decision on insurance, and it and it lets us be more transparent with you as to what the outcome's likely to be.","start":2986.055,"end":3001.08,"sentiment":"positive","sentiment_score":0.41987932360533514}],"sentiment":"positive","sentiment_score":0.37606045516098247,"channel":0,"num_words":51,"start":2979.03,"end":3001.08},{"sentences":[{"text":"Uh-huh.","start":3001.77,"end":3002.27,"sentiment":"neutral","sentiment_score":0.05778974294662475}],"sentiment":"neutral","sentiment_score":0.05778974294662475,"channel":1,"num_words":1,"start":3001.77,"end":3002.27},{"sentences":[{"text":"So if you did wanna proceed down that, I would probably transfer you back to Maddie for a little bit, or I'm happy to go through it over the phone with you if Maddie's busy at pre assessment.","start":3002.5,"end":3013.24,"sentiment":"neutral","sentiment_score":0.20617157750223813},{"text":"But from today's perspective, outside of what we've discussed and oh, actually, the other thing is estate planning, wills and powers of attorney.","start":3015.045,"end":3027.625,"sentiment":"neutral","sentiment_score":0.06667899955873904}],"sentiment":"neutral","sentiment_score":0.15357601532682044,"channel":0,"num_words":61,"start":3002.5,"end":3027.625},{"sentences":[{"text":"Yeah.","start":3028.22,"end":3028.7,"sentiment":"neutral","sentiment_score":0.16318732500076294},{"text":"The the fun conversation.","start":3028.7,"end":3030.56,"sentiment":"neutral","sentiment_score":0.29393599182367325}],"sentiment":"neutral","sentiment_score":0.2677862584590912,"channel":1,"num_words":5,"start":3028.22,"end":3030.56},{"sentences":[{"text":"Yeah.","start":3031.84,"end":3032.34,"sentiment":"neutral","sentiment_score":0.21744543313980105},{"text":"Yeah.","start":3032.4001,"end":3032.9001,"sentiment":"neutral","sentiment_score":0.234229639172554},{"text":"We do have a professional partner that we work with.","start":3035.12,"end":3038.58,"sentiment":"neutral","sentiment_score":0.21932570785284042}],"sentiment":"neutral","sentiment_score":0.22041101257006326,"channel":0,"num_words":12,"start":3031.84,"end":3038.58},{"sentences":[{"text":"Yeah.","start":3039.335,"end":3039.835,"sentiment":"neutral","sentiment_score":0.29729288816452026}],"sentiment":"neutral","sentiment_score":0.29729288816452026,"channel":1,"num_words":1,"start":3039.335,"end":3039.835},{"sentences":[{"text":"It's quite reasonable, actually, price wise compared to what I've seen over my time to establish those documents.","start":3040.1602,"end":3047.655,"sentiment":"neutral","sentiment_score":0.2910640984773636},{"text":"What I can do is just email you a 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later","start":3071.085,"end":3085.12,"sentiment":"neutral","sentiment_score":-0.0076368975228276745}],"sentiment":"neutral","sentiment_score":-0.0076368975228276745,"channel":0,"num_words":29,"start":3071.085,"end":3085.12},{"sentences":[{"text":"Yeah.","start":3085.68,"end":3086.0798,"sentiment":"neutral","sentiment_score":-0.024040168151259422}],"sentiment":"neutral","sentiment_score":-0.024040168151259422,"channel":1,"num_words":1,"start":3085.68,"end":3086.0798},{"sentences":[{"text":"just","start":3086.06,"end":3086.2202,"sentiment":"neutral","sentiment_score":-0.021283019334077835}],"sentiment":"neutral","sentiment_score":-0.021283019334077835,"channel":0,"num_words":1,"start":3086.06,"end":3086.2202},{"sentences":[{"text":"Of","start":3086.0798,"end":3086.3198,"sentiment":"neutral","sentiment_score":-0.037037961184978485}],"sentiment":"neutral","sentiment_score":-0.037037961184978485,"channel":1,"num_words":1,"start":3086.0798,"end":3086.3198},{"sentences":[{"text":"to","start":3086.2202,"end":3086.3801,"sentiment":"neutral","sentiment_score":-0.05971069261431694}],"sentiment":"neutral","sentiment_score":-0.05971069261431694,"channel":0,"num_words":1,"start":3086.2202,"end":3086.3801},{"sentences":[{"text":"course.","start":3086.3198,"end":3086.64,"sentiment":"neutral","sentiment_score":-0.02604484185576439}],"sentiment":"neutral","sentiment_score":-0.02604484185576439,"channel":1,"num_words":1,"start":3086.3198,"end":3086.64},{"sentences":[{"text":"make 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vulnerable","start":3086.86,"end":3097.04,"sentiment":"neutral","sentiment_score":-0.17794124009432616}],"sentiment":"neutral","sentiment_score":-0.17794124009432616,"channel":0,"num_words":27,"start":3086.86,"end":3097.04},{"sentences":[{"text":"Okay.","start":3097.8948,"end":3098.3948,"sentiment":"neutral","sentiment_score":-0.11023274064064026}],"sentiment":"neutral","sentiment_score":-0.11023274064064026,"channel":1,"num_words":1,"start":3097.8948,"end":3098.3948},{"sentences":[{"text":"should you not be","start":3098.565,"end":3099.545,"sentiment":"neutral","sentiment_score":-0.11665190570056438}],"sentiment":"neutral","sentiment_score":-0.11665190570056438,"channel":0,"num_words":4,"start":3098.565,"end":3099.545},{"sentences":[{"text":"Yes.","start":3100.855,"end":3101.355,"sentiment":"neutral","sentiment_score":-0.06766678392887115}],"sentiment":"neutral","sentiment_score":-0.06766678392887115,"channel":1,"num_words":1,"start":3100.855,"end":3101.355},{"sentences":[{"text":"around.","start":3102.7249,"end":3103.045,"sentiment":"neutral","sentiment_score":-0.06902582198381424},{"text":"Okay.","start":3103.045,"end":3103.4448,"sentiment":"neutral","sentiment_score":0.0020094718784093857},{"text":"So I'll email you that to have a read over.","start":3103.4448,"end":3105.625,"sentiment":"neutral","sentiment_score":0.06435373798012733},{"text":"Outside of that, the only other question I wanted to ask is with your debt repayments, are you happy to continue those, or you're just happy to continue managing those yourself?","start":3107.125,"end":3129.585,"sentiment":"neutral","sentiment_score":0.0017758786317802245}],"sentiment":"neutral","sentiment_score":0.01468775040188501,"channel":0,"num_words":43,"start":3102.7249,"end":3129.585},{"sentences":[{"text":"At the present moment, I'm fine just managing myself.","start":3131.3252,"end":3134.7852,"sentiment":"neutral","sentiment_score":-0.03371318936761883},{"text":"But","start":3135.57,"end":3135.73,"sentiment":"neutral","sentiment_score":0.04891466349363327}],"sentiment":"neutral","sentiment_score":-0.025450404081493617,"channel":1,"num_words":10,"start":3131.3252,"end":3135.73},{"sentences":[{"text":"Yep.","start":3135.6448,"end":3136.1448,"sentiment":"neutral","sentiment_score":0.03353582322597504}],"sentiment":"neutral","sentiment_score":0.03353582322597504,"channel":0,"num_words":1,"start":3135.6448,"end":3136.1448},{"sentences":[{"text":"if I do need further assistance, I'll just reach 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from here are are probably you deciding if you're happy to move to the next steps.","start":3148.1,"end":3157.9548,"sentiment":"neutral","sentiment_score":0.019347271122234434},{"text":"If you wanna go away and have us think about things for a little bit, gather your thoughts because it is information overload, to be honest with you.","start":3157.9548,"end":3165.4148,"sentiment":"neutral","sentiment_score":-0.0018491754308342934},{"text":"I can send you a summary of our conversations with some links to some web sites with the general information that you can check out.","start":3165.555,"end":3173.34,"sentiment":"neutral","sentiment_score":0.13159365385770797}],"sentiment":"neutral","sentiment_score":0.06268450035994132,"channel":0,"num_words":83,"start":3141.94,"end":3173.34},{"sentences":[{"text":"And, basically, once you have made a decision as to what you would like to do, whether you wanna proceed with advice or 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you.","start":3216.985,"end":3218.685,"sentiment":"neutral","sentiment_score":0.23204744458198548}],"sentiment":"neutral","sentiment_score":0.1966762909931796,"channel":0,"num_words":28,"start":3207.45,"end":3218.685},{"sentences":[{"text":"Okay.","start":3219.52,"end":3219.9202,"sentiment":"neutral","sentiment_score":0.1642276793718338},{"text":"No problem.","start":3219.9202,"end":3220.32,"sentiment":"neutral","sentiment_score":0.23036812245845795},{"text":"Yeah.","start":3220.32,"end":3220.48,"sentiment":"neutral","sentiment_score":0.2579328119754791},{"text":"If you can send me through a summary email, that'd be great.","start":3220.48,"end":3222.6401,"sentiment":"positive","sentiment_score":0.3644913012782733},{"text":"But I so it's something that I've I'm interested 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afternoon to make sure that you received that today.","start":3235.48,"end":3240.38,"sentiment":"neutral","sentiment_score":0.252815343439579},{"text":"I might touch base with you on Friday.","start":3241.095,"end":3243.275,"sentiment":"neutral","sentiment_score":0.12399512901902199},{"text":"Is that okay?","start":3243.335,"end":3244.235,"sentiment":"neutral","sentiment_score":0.11916748185952504}],"sentiment":"neutral","sentiment_score":0.21874021256671233,"channel":0,"num_words":34,"start":3234.28,"end":3244.235},{"sentences":[{"text":"Yeah.","start":3244.51,"end":3244.75,"sentiment":"neutral","sentiment_score":0.0988653525710106},{"text":"That's fine.","start":3244.75,"end":3245.3098,"sentiment":"neutral","sentiment_score":0.16264475136995316}],"sentiment":"neutral","sentiment_score":0.14138495177030563,"channel":1,"num_words":3,"start":3244.51,"end":3245.3098},{"sentences":[{"text":"I'll","start":3245.255,"end":3245.755,"sentiment":"neutral","sentiment_score":0.1086616963148117}],"sentiment":"neutral","sentiment_score":0.1086616963148117,"channel":0,"num_words":1,"start":3245.255,"end":3245.755},{"sentences":[{"text":"No problem.","start":3245.3098,"end":3245.8699,"sentiment":"neutral","sentiment_score":0.1830918788909912},{"text":"I work from home on Friday, so I don't have too much of a busy 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cancer,","start":4142.2954,"end":4149.7554,"sentiment":"neutral","sentiment_score":-0.09879914257261488}],"sentiment":"neutral","sentiment_score":-0.09879914257261488,"channel":0,"num_words":9,"start":4142.2954,"end":4149.7554},{"sentences":[{"text":"No.","start":4150.8003,"end":4151.3003,"sentiment":"neutral","sentiment_score":-0.08913461863994598}],"sentiment":"neutral","sentiment_score":-0.08913461863994598,"channel":1,"num_words":1,"start":4150.8003,"end":4151.3003},{"sentences":[{"text":"cardiomyopathy.","start":4152.6953,"end":4153.1953,"sentiment":"neutral","sentiment_score":-0.11385446786880492}],"sentiment":"neutral","sentiment_score":-0.11385446786880492,"channel":0,"num_words":1,"start":4152.6953,"end":4153.1953},{"sentences":[{"text":"What's that?","start":4155.52,"end":4156.16,"sentiment":"neutral","sentiment_score":-0.07514424249529839},{"text":"Sorry.","start":4156.16,"end":4156.66,"sentiment":"neutral","sentiment_score":-0.1382301300764084}],"sentiment":"neutral","sentiment_score":-0.09617287168900172,"channel":1,"num_words":3,"start":4155.52,"end":4156.66},{"sentences":[{"text":"That's to do with the heart.","start":4157.24,"end":4158.52,"sentiment":"neutral","sentiment_score":-0.1495066906015078},{"text":"So that's the heart being from my recollection.","start":4158.52,"end":4164.3003,"sentiment":"neutral","sentiment_score":-0.0954782385379076},{"text":"It's small or large in size?","start":4166.92,"end":4168.8604,"sentiment":"neutral","sentiment_score":-0.1335351119438807}],"sentiment":"neutral","sentiment_score":-0.1231038361787796,"channel":0,"num_words":20,"start":4157.24,"end":4168.8604},{"sentences":[{"text":"No.","start":4169.655,"end":4170.155,"sentiment":"neutral","sentiment_score":-0.19474120438098907}],"sentiment":"neutral","sentiment_score":-0.19474120438098907,"channel":1,"num_words":1,"start":4169.655,"end":4170.155},{"sentences":[{"text":"Nope.","start":4170.7603,"end":4171.2603,"sentiment":"neutral","sentiment_score":-0.2094506025314331},{"text":"Any mental health condition?","start":4171.815,"end":4173.275,"sentiment":"neutral","sentiment_score":-0.15262398682534695}],"sentiment":"neutral","sentiment_score":-0.1639893099665642,"channel":0,"num_words":5,"start":4170.7603,"end":4173.275},{"sentences":[{"text":"No.","start":4174.215,"end":4174.715,"sentiment":"neutral","sentiment_score":-0.1440071165561676}],"sentiment":"neutral","sentiment_score":-0.1440071165561676,"channel":1,"num_words":1,"start":4174.215,"end":4174.715},{"sentences":[{"text":"Any diabetes?","start":4175.575,"end":4176.475,"sentiment":"neutral","sentiment_score":-0.11930044367909431},{"text":"And any other condition that you can think of that could potentially be","start":4179.735,"end":4183.195,"sentiment":"neutral","sentiment_score":-0.15109264793304297}],"sentiment":"neutral","sentiment_score":-0.1468536873658498,"channel":0,"num_words":15,"start":4175.575,"end":4183.195},{"sentences":[{"text":"No.","start":4186.18,"end":4186.5,"sentiment":"neutral","sentiment_score":-0.08370393514633179},{"text":"Not that I know of, but I can always double check with my mom, to be honest.","start":4186.5,"end":4190.3604,"sentiment":"neutral","sentiment_score":-0.05703980935847058}],"sentiment":"neutral","sentiment_score":-0.058521149680018425,"channel":1,"num_words":18,"start":4186.18,"end":4190.3604},{"sentences":[{"text":"hereditary.","start":4190.87,"end":4191.27,"sentiment":"neutral","sentiment_score":-0.02439366653561592},{"text":"Absolutely fine.","start":4191.27,"end":4192.0703,"sentiment":"positive","sentiment_score":0.3927638828754425},{"text":"Absolutely fine.","start":4192.0703,"end":4193.11,"sentiment":"positive","sentiment_score":0.4859548509120941},{"text":"Alright.","start":4193.11,"end":4193.61,"sentiment":"positive","sentiment_score":0.4543776512145996},{"text":"Thank you for taking the time.","start":4193.67,"end":4195.0303,"sentiment":"positive","sentiment_score":0.711642861366272}],"sentiment":"positive","sentiment_score":0.5381065517043074,"channel":0,"num_words":12,"start":4190.87,"end":4195.0303},{"sentences":[{"text":"That's the end of that invasive questionnaire.","start":4195.0303,"end":4197.93,"sentiment":"neutral","sentiment_score":0.25093570564474377},{"text":"What I'm gonna do is I'm gonna put together our a summary email for you, send it through.","start":4199.165,"end":4205.4053,"sentiment":"neutral","sentiment_score":0.2789928052160475},{"text":"I'm gonna reach out to you on Friday.","start":4205.4053,"end":4207.745,"sentiment":"neutral","sentiment_score":0.2584026772528887},{"text":"And in that time frame, I might get a pre assessment done.","start":4208.5254,"end":4213.89,"sentiment":"neutral","sentiment_score":0.16572403038541475},{"text":"So when I do speak with you on Friday, I have a pretty good idea of what we can do insurance wise and if there's any limitations that 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good.","start":4223.685,"end":4224.505,"sentiment":"positive","sentiment_score":0.5902100404103597}],"sentiment":"positive","sentiment_score":0.5894908607006073,"channel":1,"num_words":4,"start":4223.125,"end":4224.505},{"sentences":[{"text":"But that's it.","start":4224.0303,"end":4225.0103,"sentiment":"neutral","sentiment_score":0.14844830830891928}],"sentiment":"neutral","sentiment_score":0.14844830830891928,"channel":0,"num_words":3,"start":4224.0303,"end":4225.0103},{"sentences":[{"text":"Yep.","start":4225.2847,"end":4225.605,"sentiment":"neutral","sentiment_score":0.1664762794971466}],"sentiment":"neutral","sentiment_score":0.1664762794971466,"channel":1,"num_words":1,"start":4225.2847,"end":4225.605},{"sentences":[{"text":"Oh, beautiful.","start":4225.31,"end":4226.0303,"sentiment":"positive","sentiment_score":0.5359856486320496}],"sentiment":"positive","sentiment_score":0.5359856486320496,"channel":0,"num_words":2,"start":4225.31,"end":4226.0303},{"sentences":[{"text":"Thank you so","start":4225.605,"end":4226.245,"sentiment":"positive","sentiment_score":0.5995142459869385}],"sentiment":"positive","sentiment_score":0.5995142459869385,"channel":1,"num_words":3,"start":4225.605,"end":4226.245},{"sentences":[{"text":"Well,","start":4226.0303,"end":4226.5103,"sentiment":"positive","sentiment_score":0.4540138244628906}],"sentiment":"positive","sentiment_score":0.4540138244628906,"channel":0,"num_words":1,"start":4226.0303,"end":4226.5103},{"sentences":[{"text":"much.","start":4226.245,"end":4226.745,"sentiment":"positive","sentiment_score":0.5793410539627075}],"sentiment":"positive","sentiment_score":0.5793410539627075,"channel":1,"num_words":1,"start":4226.245,"end":4226.745},{"sentences":[{"text":"thanks.","start":4226.5103,"end":4227.0103,"sentiment":"positive","sentiment_score":0.3946933150291443},{"text":"No.","start":4227.47,"end":4227.79,"sentiment":"neutral","sentiment_score":0.01971536874771118},{"text":"Thank you.","start":4227.79,"end":4228.455,"sentiment":"positive","sentiment_score":0.36249925196170807},{"text":"And I will talk to you again on Friday.","start":4228.455,"end":4230.715,"sentiment":"neutral","sentiment_score":0.291462919778294}],"sentiment":"neutral","sentiment_score":0.2894287281311475,"channel":0,"num_words":13,"start":4226.5103,"end":4230.715},{"sentences":[{"text":"Alright.","start":4230.965,"end":4231.2847,"sentiment":"positive","sentiment_score":0.4461091160774231},{"text":"Thank you so much for you.","start":4231.2847,"end":4232.005,"sentiment":"positive","sentiment_score":0.7891104817390442},{"text":"Have a good day, and take care.","start":4232.005,"end":4233.465,"sentiment":"positive","sentiment_score":0.7126435892922538}],"sentiment":"positive","sentiment_score":0.7263769379683903,"channel":1,"num_words":14,"start":4230.965,"end":4233.465},{"sentences":[{"text":"Thanks, Kat.","start":4233.815,"end":4234.375,"sentiment":"positive","sentiment_score":0.6415530145168304},{"text":"You too.","start":4234.375,"end":4234.855,"sentiment":"positive","sentiment_score":0.4958964139223099},{"text":"Bye bye.","start":4234.855,"end":4235.5947,"sentiment":"neutral","sentiment_score":0.24579473584890366}],"sentiment":"positive","sentiment_score":0.4610813880960147,"channel":0,"num_words":6,"start":4233.815,"end":4235.5947},{"sentences":[{"text":"Same.","start":4235.2847,"end":4235.7847,"sentiment":"neutral","sentiment_score":0.22794769704341888},{"text":"Bye.","start":4235.925,"end":4236.425,"sentiment":"neutral","sentiment_score":0.18009375035762787}],"sentiment":"neutral","sentiment_score":0.20402072370052338,"channel":1,"num_words":2,"start":4235.2847,"end":4236.425},{"sentences":[{"text":"Bye.","start":4236.6147,"end":4237.1147,"sentiment":"neutral","sentiment_score":-0.10530171543359756}],"sentiment":"neutral","sentiment_score":-0.10530171543359756,"channel":0,"num_words":1,"start":4236.6147,"end":4237.1147}]},"summary":{"result":"success","short":"A representative from a financial company called a customer named Kat to ask about her desire for advice on retirement and retirement goals. The representative explains the process of starting a life insurance policy for Kat's daughter and sends a link to verify her identity. They discuss her income and liabilities, including her car loan and personal loan debt. The speaker emphasizes the importance of volatility in investment decisions and provides information on different insurance policies and their costs. They also discuss the benefits of investing in the volatile market and the importance of comfortable allocation and risk tolerance. The speaker provides information on fees, implementation fees, and the process for obtaining a medical assessment and provides a summary of their conversations with their partner."},"intents":{"segments":[{"text":"So in terms of, like, if anything were to happen to me, she's sort of covered in terms of university, any educational, any other life cost any life covers that she requires. Yep.","start_word":331,"end_word":363,"intents":[{"intent":"Cover insurance","confidence_score":0.047987774}]},{"text":"I'm open to I'm reviewing my zipper as well. Okay.","start_word":536,"end_word":545,"intents":[{"intent":"Review zipper","confidence_score":0.53165865}]},{"text":"Is it To be honest, to be able to retire comfortably, yep. given the current circumstances of the market, yeah, I just wanna be able to retire comfortably, still sort of maintain the lifestyle that I have or even better. Yep.","start_word":560,"end_word":600,"intents":[{"intent":"Retire comfortably","confidence_score":0.010894282}]},{"text":"I just wanna set myself up for the future at the Okay. moment.","start_word":638,"end_word":650,"intents":[{"intent":"Set up for future","confidence_score":0.053531483}]},{"text":"So you mentioned the lifestyle that you currently have or better. What what is what does that mean in a dollar figure today in retirement?","start_word":653,"end_word":677,"intents":[{"intent":"Determine retirement figure","confidence_score":0.0033877392}]},{"text":"How much income would you need a week or a fortnight? Because we can what we can do is work our way backwards there towards the plan. Okay.","start_word":722,"end_word":749,"intents":[{"intent":"Use income","confidence_score":0.0007702076}]},{"text":"Because we can what we can do is work our way backwards there towards the plan. Okay.","start_word":733,"end_word":749,"intents":[{"intent":"Work backwards","confidence_score":0.6289072},{"intent":"Work backwards","confidence_score":0.049115267}]},{"text":"I'm gonna work through just some basic information to get up to date on our system because I think that will lead into a couple of other different areas that we can touch on.","start_word":786,"end_word":819,"intents":[{"intent":"Work through information","confidence_score":0.75263005},{"intent":"Work through details","confidence_score":0.050365202}]},{"text":"So what I'm going to do is first and foremost, make sure that I have the spelling of your name correct. It's k a t l e g Mhmm. o, and your surname, s e n e t e. Yes.","start_word":820,"end_word":859,"intents":[{"intent":"Verify identity","confidence_score":0.07937768},{"intent":"Confirm spelling","confidence_score":0.005339882}]},{"text":"Because what I will do in a in a little bit is I'll send through a a link that will need you to verify your identity.","start_word":880,"end_word":905,"intents":[{"intent":"Send link","confidence_score":0.30640647},{"intent":"Send link","confidence_score":0.0068609226}]},{"text":"We send you a link, and we can do it a different way. So that's the purpose of that, why I asked for the correct spelling to make sure when I put it in that it's correct. Yeah.","start_word":980,"end_word":1017,"intents":[{"intent":"Use link","confidence_score":0.0025342195}]},{"text":"Do you have a next of kin that we wanna put record someone on file as? Probably my mom's now. Yep. What's her name? Elsie. E l I s e. Is that right? Yeah.","start_word":1076,"end_word":1109,"intents":[{"intent":"Verify information","confidence_score":0.0010129493}]},{"text":"What's her name? Elsie. E l I s e. Is that right? Yeah.","start_word":1097,"end_word":1109,"intents":[{"intent":"Identify as business","confidence_score":0.0000020617515}]},{"text":"And what's her contact number?","start_word":1146,"end_word":1150,"intents":[{"intent":"Provide contact number","confidence_score":0.07909701}]},{"text":"I have your occupation That's down here as a retention banker with Westpac. correct. Yep.","start_word":1162,"end_word":1176,"intents":[{"intent":"Provide occupation","confidence_score":0.25378135}]},{"text":"Your income of $82,000 per annum. Yep.","start_word":1190,"end_word":1196,"intents":[{"intent":"Provide income","confidence_score":0.53740376},{"intent":"Provide income","confidence_score":0.119437374}]},{"text":"Your income of $82,000 per annum. Yep. And you just received the 12% standard Yes. super. Yes. I do. Yep. Fantastic. And I have your expenditure here as just $1,986 per month. Is that correct? Yeah.","start_word":1190,"end_word":1225,"intents":[{"intent":"Inquire about expenses","confidence_score":0.022341486}]},{"text":"I make my own after tax contribution of $50 and $4.09. Mhmm.","start_word":1310,"end_word":1321,"intents":[{"intent":"Report contributions","confidence_score":0.0005208943}]},{"text":"How would you describe your experience and understanding of investment markets? Would it be positive investing experiences, novice, naturally curious.","start_word":2014,"end_word":2033,"intents":[{"intent":"Discuss investment experiences","confidence_score":0.12303383}]},{"text":"You've had mixed investment results that have heightened your loss avoidance or past losses have left you extremely loss averse.","start_word":2037,"end_word":2056,"intents":[{"intent":"Express dissatisfaction","confidence_score":0.00021377871}]},{"text":"What is the most aggressive investment you've ever made? Direct shares, manage funds, investment property, your own home, or a high interest bank account.","start_word":2091,"end_word":2114,"intents":[{"intent":"Explain investment strategies","confidence_score":0.058018208}]},{"text":"So if we look at this for your superannuation balance, once it has been placed or investments made, how long would you need it before you would need access to the capital?","start_word":2176,"end_word":2207,"intents":[{"intent":"Discuss investment duration","confidence_score":0.031115456}]},{"text":"How much risk are you willing to take to keep up with inflation? So rising cost of living.","start_word":2282,"end_word":2299,"intents":[{"intent":"Discuss inflation risk","confidence_score":0.079920985}]},{"text":"Would you be willing to accept very high risk to outpace inflation, willing to accept high risks, moderate risks, a small amount of risk, or no risk. I'm moderate risk. Yep.","start_word":2300,"end_word":2330,"intents":[{"intent":"Highlight risk","confidence_score":0.000017235665}]},{"text":"Investments can go up and down in value. That's called volatility.","start_word":2349,"end_word":2359,"intents":[{"intent":"Explain investment volatility","confidence_score":0.011016324}]},{"text":"That's called volatility.","start_word":2357,"end_word":2359,"intents":[{"intent":"Explain volatility","confidence_score":0.07505353}]},{"text":"Were you optimistic about future investments or cautious with no further investments plans, concerned, or highly anxious, I'll say I'm more cautious, but I wasn't overtly too worried. Yeah.","start_word":2521,"end_word":2549,"intents":[{"intent":"Address investment concerns","confidence_score":0.0039462964}]},{"text":"So I would probably recommend a high growth portfolio based on that.","start_word":3490,"end_word":3501,"intents":[{"intent":"Recommend portfolio","confidence_score":0.3772875}]},{"text":"So what I'm going to do also is just go back to the goals. I just wanted to revisit one section. You said that you were a single mom wanting to set up for your daughter for uni, those types of things. Is that something that you wanna start doing now as well?","start_word":3532,"end_word":3584,"intents":[{"intent":"Discuss goals","confidence_score":0.5513616}]},{"text":"At the moment, I started I started this year, just to Yep. sort of start saving up for, Yep. like, your education and stuff like that as well. Yep.","start_word":3727,"end_word":3755,"intents":[{"intent":"Start savings","confidence_score":0.006242037}]},{"text":"And do you put how much per week do you put into that or fortnight? Per fortnight. I work in a fortnightly basis, so I just put a $100 a fortnight into a savings account. Okay.","start_word":3758,"end_word":3793,"intents":[{"intent":"Adjust savings","confidence_score":0.004625793}]},{"text":"And do you know what the balance of your savings account is?","start_word":3794,"end_word":3805,"intents":[{"intent":"Inquire about balance","confidence_score":0.010398497}]},{"text":"The the reason I asked that is there are investment options available for you that you can invest in.","start_word":3829,"end_word":3847,"intents":[{"intent":"Determine investment options","confidence_score":0.013711918}]},{"text":"But in ten years' time, what the type of insurance type of investment it is is that it's at it's called tax paid. So in ten years, you would withdraw it, and it is no tax payable on it. No capital gains or anything like that because it's all taxed internally whilst invested. Oh, okay.","start_word":3900,"end_word":3954,"intents":[{"intent":"Discuss insurance types","confidence_score":0.039015573}]},{"text":"So that is an option whether you're ready to do it now or whether you're ready to do it down the track, Yep. but that's something that we can look at also. And do you think that would be something more down the track? Something definitely down the track. It's it's good to know just to weigh up your options. Yeah. Yeah. Yeah.","start_word":3963,"end_word":4025,"intents":[{"intent":"Discuss insurance options","confidence_score":0.067240715}]},{"text":"And then your TPD insurance, which is total and permanent disablement, is a payment that is exactly that. If you're totally and permanently disabled and deemed not to be able to return to work in an occupation that you are trained or appropriately trained or educated in.","start_word":4080,"end_word":4126,"intents":[{"intent":"Discuss tpd policy","confidence_score":0.21858662},{"intent":"Discuss tpd policy","confidence_score":0.10118406},{"intent":"Discuss tpd policy","confidence_score":0.28669688}]},{"text":"The benefit period is the number the period of time you're you're eligible to be paid for. So it can be two years, five years, to age 65, depending on how we structure the policy.","start_word":4362,"end_word":4396,"intents":[{"intent":"Explain benefit period coverage","confidence_score":0.005359678}]},{"text":"But the other thing we do look at is the cost of those covers and how the long term effect of that will impact your super fund.","start_word":4616,"end_word":4642,"intents":[{"intent":"Address cost concerns","confidence_score":0.000039577742}]},{"text":"With your life and TPD, I'm just gonna ask a couple of quick questions that will help me look at some insured. When you look at I guess, first of all, you mentioned you wanna make sure anything that happens to your daughter, it's it's covered. Is you mentioned university life costs, etcetera. Mhmm.","start_word":5003,"end_word":5056,"intents":[{"intent":"Ensure coverage","confidence_score":0.0020615426}]},{"text":"Is there funds there that you'd want available for her to be able to purchase a house, live in a house?","start_word":5057,"end_word":5077,"intents":[{"intent":"Clarify budget","confidence_score":0.0040632174}]},{"text":"having financial security for her is important to me. Like, I don't god forbid, I don't want her having to struggle to find a place to live or let's just say Yep. removing all external factors if my mom's not here or my sister or my dad or anyone.","start_word":5145,"end_word":5193,"intents":[{"intent":"Determine financial security","confidence_score":0.12237752}]},{"text":"That's something that I'll have to consider and weigh up as she gets older.","start_word":5499,"end_word":5512,"intents":[{"intent":"Evaluate family budget","confidence_score":0.014752329}]},{"text":"I'm going to run through our financial services guide. It's just gonna get be able to meeting.","start_word":5952,"end_word":5968,"intents":[{"intent":"Guide information","confidence_score":0.00038151594}]},{"text":"So to go with our to go I'm gonna run through our fee structure and how it typically works. Place So the there's a there's two fees. what?","start_word":6058,"end_word":6085,"intents":[{"intent":"Explain fee structure and fee structure","confidence_score":0.040061474}]},{"text":"And the funding of that would come from your super fund in this scenario because that's all we're looking at at this time, not investments. Mhmm.","start_word":6259,"end_word":6284,"intents":[{"intent":"Evaluate funding options","confidence_score":0.000009525942}]},{"text":"So what I'm going to do is also in a moment, I'm going to send you a link to, it's called the f triple a safe ID. It just being in the bank, you would know this as well. Yes. Yeah.","start_word":6379,"end_word":6419,"intents":[{"intent":"Process and verify id","confidence_score":0.005216858}]},{"text":"So what I'm going to do is also in a moment, I'm going to send you a link to, it's called the f triple a safe ID. It just being in the bank, you would know this as well. Yes. Yeah. AML, it's just for you to complete when you're ready, and it's just your confirming your ID. Sorry.","start_word":6379,"end_word":6437,"intents":[{"intent":"Process and process verification","confidence_score":0.06811569}]},{"text":"If you have any concerns or any issues in completing that, please let me know, and I can walk you through that. Hi. Yes.","start_word":6493,"end_word":6516,"intents":[{"intent":"Address concerns about policy","confidence_score":0.00006760939}]},{"text":"And the next questions really are from here is, with the insurance, the only thing that I do note that what we would want to look at doing to avoid any delays, Okay. if you did wish to proceed, is look at getting a pre assessment. What we do there is we look at health and financial to see if the insurance company is comfortable issuing a policy. The only reason not comfortable issuing a policy, but it meets the underwriting guidelines. Sorry.","start_word":6542,"end_word":6624,"intents":[{"intent":"Evaluate insurance coverage","confidence_score":0.034218185}]},{"text":"if you did wish to proceed, is look at getting a pre assessment. What we do there is we look at health and financial to see if the insurance company is comfortable issuing a policy. The only reason not comfortable issuing a policy, but it meets the underwriting guidelines. Sorry.","start_word":6575,"end_word":6624,"intents":[{"intent":"Consider pre assessment","confidence_score":0.11193706}]},{"text":"That's fine, but we may apply a loading to that insurance policy, which would be reviewable in x y z amount of time.","start_word":6733,"end_word":6755,"intents":[{"intent":"Apply loading","confidence_score":0.10308152}]},{"text":"So if you did wanna proceed down that, I would probably transfer you back to Maddie for a little bit, or I'm happy to go through it over the phone with you if Maddie's busy at pre assessment.","start_word":6807,"end_word":6844,"intents":[{"intent":"Transfer call","confidence_score":0.40065512}]},{"text":"But from today's perspective, outside of what we've discussed and oh, actually, the other thing is estate planning, wills and powers of attorney. Yeah.","start_word":6845,"end_word":6868,"intents":[{"intent":"Discuss estate planning","confidence_score":0.44165576}]},{"text":"What I can do is just email you a brochure Okay.","start_word":6904,"end_word":6914,"intents":[{"intent":"Offer brochure","confidence_score":0.013934185}]},{"text":"So I have asked a million questions of you today.","start_word":7098,"end_word":7107,"intents":[{"intent":"Ask questions","confidence_score":0.026301935}]},{"text":"what I can do is send you a summary email if you like and touch base with you in a couple of days. I'm completely led by you. Okay.","start_word":7258,"end_word":7286,"intents":[{"intent":"Send summary email","confidence_score":0.52935344}]},{"text":"If you can send me through a summary email, that'd be great. But I so it's something that I've I'm interested in. I did have a conversation with my partner, and he kinda gave me the ins and outs of it. So it's something that Yeah.","start_word":7290,"end_word":7335,"intents":[{"intent":"Get opinions","confidence_score":0.0006980312}]},{"text":"I might touch base with you on Friday. Is that okay? Yeah.","start_word":7368,"end_word":7379,"intents":[{"intent":"Touch base on friday","confidence_score":0.60837317}]},{"text":"And in the meantime, if you can complete that ID verification for me, that would be fantastic. And I will speak to you Friday morning. Beautiful.","start_word":7420,"end_word":7445,"intents":[{"intent":"Complete id verification","confidence_score":0.6247728}]},{"text":"In your role, are you required to travel for work or anything like that?","start_word":7514,"end_word":7527,"intents":[{"intent":"Inquire about travel requirements and potential travel plans","confidence_score":0.0000014456663},{"intent":"Inquire about travel plans and travel plans","confidence_score":0.068790875}]},{"text":"Do you intend to travel or live overseas for work or pleasure anytime in the foreseeable future? I'm trying to travel, but not to relocate yet. Yep. And where will you be traveling to? We don't have solar plans there, but looking to travel to Japan in the next twelve months. Yep.","start_word":7652,"end_word":7703,"intents":[{"intent":"Confirm travel plans","confidence_score":0.037482213},{"intent":"Provide travel plans and destination","confidence_score":0.000016431248}]},{"text":"I was my GP was concerned about having a fatty liver. That's one of the reasons why I had to be but it's been monitored. It's fine now. It just has to do problem with the weight. Yep.","start_word":8518,"end_word":8555,"intents":[{"intent":"Request fatty liver test results","confidence_score":0.0053268545}]},{"text":"So the next dose would be after my daughter's happy, it will be seven point five. But at the moment, I'm on five milligrams, and I take it once a week. So it's a four week, yeah, four week Okay.","start_word":9170,"end_word":9209,"intents":[{"intent":"Confirm dose","confidence_score":0.20864463}]},{"text":"The only other set of questions I have relates to immediate family members, so that's being your mom, dad, and siblings, Mhmm.","start_word":9349,"end_word":9370,"intents":[{"intent":"Inquire about family members","confidence_score":0.04629939}]},{"text":"The only other set of questions I have relates to immediate family members, so that's being your mom, dad, and siblings, Mhmm. and just if they have had been diagnosed with any of these conditions.","start_word":9349,"end_word":9383,"intents":[{"intent":"Ask about health conditions","confidence_score":0.00901807}]},{"text":"First lot, heart disease, heart attack, or stroke, No. multiple cirrhosis, Parkinson's, or Alzheimer's, any muscular dystrophy, Huntington's, or motor neurone No. disease No. neuron. No. Sorry. Any bowel cancer or melanoma, No. any polycystic kidney disease, any breast or ovarian cancer, No. cardiomyopathy.","start_word":9385,"end_word":9428,"intents":[{"intent":"Identify potential cancers","confidence_score":0.000016117825}]},{"text":"Any bowel cancer or melanoma, No.","start_word":9412,"end_word":9417,"intents":[{"intent":"Assist with bowel cancer","confidence_score":0.00011582523}]},{"text":"cardiomyopathy. What's that? Sorry.","start_word":9428,"end_word":9431,"intents":[{"intent":"Describe cardiomyopathy","confidence_score":0.0007652466}]},{"text":"It sounds good. But that's it. Yep. Oh, beautiful. Thank you so Well, much. thanks. No. Thank you. And I will talk to you again on Friday. Alright. Thank you so much for you. Have a good day, and take care. Thanks, Kat.","start_word":9581,"end_word":9623,"intents":[{"intent":"Control electronic content","confidence_score":8.686242e-8}]}]},"sentiments":{"segments":[{"text":"Hi. If you record your name and reason for calling, I'll see if this person is available. Jenna from Oakview Financial. Hello. Kat speaking. Hi, Kat. This is Jenna here phoning from OCU Financial. How are you today?","start_word":0,"end_word":37,"sentiment":"neutral","sentiment_score":0.0740954577922821},{"text":"I'm good.","start_word":38,"end_word":39,"sentiment":"positive","sentiment_score":0.39848166704177856},{"text":"How are you? I'm well.","start_word":40,"end_word":44,"sentiment":"neutral","sentiment_score":0.3255009353160858},{"text":"Thank you.","start_word":45,"end_word":46,"sentiment":"positive","sentiment_score":0.4884350001811981},{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Yeah. That's fine. No problem.","start_word":47,"end_word":77,"sentiment":"neutral","sentiment_score":0.05506494268774986},{"text":"Beautiful.","start_word":78,"end_word":78,"sentiment":"positive","sentiment_score":0.4124518632888794},{"text":"Kat, part of our process that you'll become accustomed to is three points of ID. Just to verify that we're speaking with the correct person, can I just get you to confirm your full name, date of birth, and address, please? Yes. Sure, sir. My name is Martha Halston, I guess. Address is 90 Garron Avenue, Waller, In Victoria 3 7 Yep. 50, and my date of birth is 08/04/1994.","start_word":79,"end_word":148,"sentiment":"neutral","sentiment_score":0.04647098109126091},{"text":"Fantastic. Fantastic. Beautiful. Beautiful. Okay. So thank you for reaching out for being interested in getting a starting the advice process.","start_word":149,"end_word":169,"sentiment":"positive","sentiment_score":0.4438466131687164},{"text":"I guess for me, first and foremost, my questions for you would be, what is the purpose of you seeking advice? What are you hoping to achieve? Yeah. Sure. So pretty much, I just wanted to sort of start sort of wild building for myself and my daughter, like, my single mom, and just Yep. wanna sort of set myself up and, in particular, my daughter up if, god forbid, anything happens, like, she's sort of set up, like, for the future. Yep. Yeah. Yep. That's my main purpose, to be honest. Okay. How was your daughter? She's 10. Oh, beautiful. I I got a 10 year old too. don't know. What what is her Sir, it's spelled n a l e d I, so it's pronounced Naledi. name? N a l e. No. So n a l e d Yep. I. Okay.","start_word":170,"end_word":312,"sentiment":"neutral","sentiment_score":0.05421028286218643},{"text":"Beautiful. Fantastic.","start_word":313,"end_word":314,"sentiment":"positive","sentiment_score":0.3502803444862366},{"text":"Okay. So when you say set her up, protect her, what do you mean exactly? So in terms of, like, if anything were to happen to me, she's sort of covered in terms of university, any educational, any other life cost any life covers that she requires. Yep. Yep. And for So me, it means mhmm. so, basically so insurance, making sure that she's taken care of in the event that something does happen to you? Yes. That's correct. Yep.","start_word":315,"end_word":394,"sentiment":"neutral","sentiment_score":0.04503947007469833},{"text":"Yep. Beautiful. And for you?","start_word":395,"end_word":399,"sentiment":"positive","sentiment_score":0.462321013212204},{"text":"For me, definitely just seeing if I can have a a life insurance that sorta would be able to cover me. For a bit of background, I am a solo mom. I'm working full time. I'm the main parent for my daughter. Mhmm. The other parent lives in South Africa, but not really in doesn't help anything financially. So I just wanna sorta set myself up and my daughter properly. Yeah. For me, it would be it's important because I'm working if anything were to happen to me, like, if I would have, like, some form of cover in terms of TBD, if like, work cover or stuff like that as well. Yes. Yeah. Of course. Of course. Okay.","start_word":400,"end_word":518,"sentiment":"neutral","sentiment_score":0.08148112893104553},{"text":"Perfect. We can do that.","start_word":519,"end_word":523,"sentiment":"positive","sentiment_score":0.47865280508995056},{"text":"That's what about your superannuation? Are you looking at reviewing that? Yeah. I'm open to I'm reviewing my zipper as well. Okay. With your super, what what is it? What would your goals be surrounding that? Is it To be honest, to be able to retire comfortably, yep. given the current circumstances of the market, yeah, I just wanna be able to retire comfortably, still sort of maintain the lifestyle that I have or even better. Yep. Obviously, as I get older and progress career wise, I'm aiming to make more money down the track and Yep. career progression and stuff and eventually have more kids and stuff like that as well. So Yep.","start_word":524,"end_word":637,"sentiment":"neutral","sentiment_score":0.17268209159374237},{"text":"I just wanna set myself up for the future at the Okay.","start_word":638,"end_word":649,"sentiment":"positive","sentiment_score":0.4156480133533478},{"text":"moment. Yeah. Okay. So you mentioned the lifestyle that you currently have or better. What what is what does that mean in a dollar figure today in retirement? So if you were debt free, no expenses, just out there living your best life in retirement, what in today's dollars, what would that look like for you? Around figure, probably, like, a million dollars. Sorry. I'll make it easier, even better. Sorry. Yeah. How much income would you need a week or a fortnight? Because we can what we can do is work our way backwards there towards the plan. Okay. So at the moment, per fortnight, I'm earning $2.04. So let's say comfortably, I would say between three and three and a half a fortnight would be Yep. comfortable for me. Yep. Okay.","start_word":650,"end_word":782,"sentiment":"neutral","sentiment_score":0.05925855530720008},{"text":"Beautiful.","start_word":783,"end_word":783,"sentiment":"positive","sentiment_score":0.5465328693389893},{"text":"Alright. Alright. I'm gonna work through just some basic information to get up to date on our system because I think that will lead into a couple of other different areas that we can touch on. So what I'm going to do is first and foremost, make sure that I have the spelling of your name correct. It's k a t l e g Mhmm. o, and your surname, s e n e t e. Yes. That's correct.","start_word":784,"end_word":861,"sentiment":"neutral","sentiment_score":0.08761409670114517},{"text":"Beautiful.","start_word":862,"end_word":862,"sentiment":"positive","sentiment_score":0.3985804319381714},{"text":"So and that's what's showing on your that's what shows on your ID? Yes. Yes. Beautiful. No. Because what I will do in a in a little bit is I'll send through a a link that will need you to verify your identity. So what we do, part of the legislation and rules with financial advice and also now real estate lawyers, they're we're all under the same umbrella now is we've got to verify that a person is who they say they are. So it comes under the anti money laundering rules. And, yeah, it's a legislative requirement that we have to do. But rather than these days getting certified ID, it's a little bit simpler. We send you a link, and we can do it a different way. So that's the purpose of that, why I asked for the correct spelling to make sure when I put it in that it's correct. Yeah. That's fine.","start_word":863,"end_word":1019,"sentiment":"neutral","sentiment_score":0.06600938737392426},{"text":"No problem. Beautiful.","start_word":1020,"end_word":1022,"sentiment":"positive","sentiment_score":0.41377344727516174},{"text":"Alright. Now your I'm just moving down. Do you have a partner or a spouse? I don't have I've started seeing someone, but Yep. it's not, like, life building, if that makes sense. The customers are single in terms of my own Just stuff. dating. Yep. Yeah. Okay. That's it. Yeah. That's fine. Do you have a next of kin that we wanna put record someone on file as? Probably my mom's now. Yep. What's her name? Elsie. E l I s e. Is that right? Yeah. Yeah. E l I s. Yes. Yes. And same surname as you or different? Different. I'll give you a sentence. It's spelled m o g o Yep. m o t s. M o t s. Yep. And what's her contact number? 0459975517. Zero four five nine nine seven five 517. Beautiful. Okay. I have your occupation That's down here as a retention banker with Westpac. correct. Yep. Beautiful. And you're full time at thirty eight hours a week? Yes. Yep. Your income of $82,000 per annum. Yep. And you just received the 12% standard Yes. super. Yes. I do. Yep.","start_word":1023,"end_word":1209,"sentiment":"neutral","sentiment_score":0.02404883735001406},{"text":"Fantastic.","start_word":1210,"end_word":1210,"sentiment":"positive","sentiment_score":0.5064976811408997},{"text":"And I have your expenditure here as just $1,986 per month. Is that correct? Yeah. Because I live with my sister, so some of my girls are scared. Okay. Yep. Okay. And that includes any rental, anything like that? And Yep. Yeah. So we split, like, rent and household bills. Anything that I really pay for myself would be, like, my or in color and insurance, etcetera. that's included in Okay. that amount that you've given to us? That I've given 500. to you. Yes. That's correct. Yep. Yep.","start_word":1211,"end_word":1299,"sentiment":"neutral","sentiment_score":0.03334939479827881},{"text":"Fantastic.","start_word":1300,"end_word":1300,"sentiment":"positive","sentiment_score":0.4067036509513855},{"text":"Do you make any other contributions to super? Yes. I make my own after tax contribution of $50 and $4.09. Mhmm. Yep. You. Do you then claim that as a tax deduction? I've said I claimed it for last financial year. Yep. Okay. Is Yep. there any reason why you haven't set it up as a salary sacrifice or anything like I that? was a bit unsure on how to do it. Like, since the Yep. last conversation I had with Madison, I did reach out to my payroll just to find out. So if I were to happen to move over to a few months, I think I wanna start it once everything is set up properly. Then I'll Yes. start the contribution because they've given me, like, tech firm and stuff.","start_word":1301,"end_word":1433,"sentiment":"neutral","sentiment_score":-0.019978107394356476},{"text":"Beautiful. Fantastic.","start_word":1434,"end_word":1435,"sentiment":"positive","sentiment_score":0.6218496561050415},{"text":"Yeah. Alright. Now now with assets and liabilities, I have a Mercedes here valued at 35,000 and a debt of 36. Is that right? That's correct. Yep. Yep. Okay. And a Westpac personal loan of 2.5 Yes. $0.02 That's thousand correct. 700. Sorry. Yeah. $2.07. Yep. Beautiful. Any other assets and liabilities? No. Mainly my car loan and my personal loan. That's about it. I did incur a text a tax debt, but I'm paying that one off as well. So I don't Okay. know if that's needed. How much is that At the moment, 4 at? 9. Yep. Okay. Alright. Oh, this is for the 2425 financial year, but I'm just paying that one off at the moment. Yeah. No. That's Yep. absolutely fine. And I see that you had a part nine debt agreement. Yep. That's all Yep. done. It's due in 2023. So it's '23 and '24. Yep. Yep. Okay. Beautiful. Alright. And you're a nonsmoker? No. Yeah. And you've been on a weight loss journey. Is that That's right? correct. Yes. Yeah. That's correct. Yeah. Excuse my ignorance. I have no idea what this is, but can you tell me what Manjaro is? So Menjarra is, like, a GPL one injection similar to, like, Ozempic. Yep. Okay.","start_word":1436,"end_word":1646,"sentiment":"neutral","sentiment_score":-0.0023810681886970997},{"text":"Beautiful.","start_word":1647,"end_word":1647,"sentiment":"positive","sentiment_score":0.35605019330978394},{"text":"It's fine. Yeah.","start_word":1648,"end_word":1650,"sentiment":"neutral","sentiment_score":0.27560338377952576},{"text":"That's great.","start_word":1651,"end_word":1652,"sentiment":"positive","sentiment_score":0.4727481007575989},{"text":"Alright. Okay. And are you still on that injection? Yeah. Yes. I am. Yep. Yep. Okay. And I have your height at a hundred and fifty seven centimeters and your weight at a hundred and two. Yes. That's correct.","start_word":1653,"end_word":1691,"sentiment":"neutral","sentiment_score":0.07876022160053253},{"text":"Yep. Beautiful.","start_word":1692,"end_word":1693,"sentiment":"positive","sentiment_score":0.5128142237663269},{"text":"And your estate planning, do you have any of that in place? Will's power No of attorney? worry. I don't have a way on the place. Okay. Well, that's something we're gonna talk about, especially with your daughter. Yeah. I know. Alright. And then for these types of questions, are you a tax resident of any other country? No. No. Fantastic. Alright. What I'm going to do now is I'm just gonna jump over, and it's part of our process to complete a what we call a risk profile. So this the what this will help us do in reference to your superannuation or and future wealth building, being a single mom and working towards those goals for your daughter is just help us understand your tolerance to risk, what levels of risk you're willing to take. And it would be likely different if you looked at it from a like, your superannuation balance, which you have a long term investment time frame. Whereas if it was something maybe in your personal name, your risk tolerance may be less in that scenario. So what I'm gonna do is ask these questions based on your superannuation at this stage. Yes. So if you can answer them thinking of your super balance when we talk about other investment options, yeah, in a little bit, we can then tailor our conversation differently to suit your tolerance to risk then. So how would you rate your willingness to take financial risk? Would you be very high, high, average, low, or very low? I would say average. Average. Yep. Yep. How familiar are you with investment markets? Are you comfortable with invest your investment knowledge? Are you aware that investments fluctuate? Do you have a good market grasp that you're still learning, basic investment knowledge, or you're not familiar? I'm familiar with a few things. I would say basic, to be honest. Yep. Okay. How would you describe your experience and understanding of investment markets? Would it be positive investing experiences, novice, naturally curious. You're novice, naturally curious.","start_word":1694,"end_word":2036,"sentiment":"neutral","sentiment_score":0.036586550110543785},{"text":"You've had mixed investment results that have heightened your loss avoidance or past losses have left you extremely loss averse.","start_word":2037,"end_word":2056,"sentiment":"negative","sentiment_score":-0.4255217015743256},{"text":"Averse. I'd A say lot I'm there. in the middle. I'm more, like, curious, but Yes. I haven't really got in and sort of been, like, take high risk investments. Yep. Okay.","start_word":2057,"end_word":2088,"sentiment":"neutral","sentiment_score":-0.17554745078086853},{"text":"Fantastic. Alright.","start_word":2089,"end_word":2090,"sentiment":"positive","sentiment_score":0.4951327741146088},{"text":"What is the most aggressive investment you've ever made? Direct shares, manage funds, investment property, your own home, or a high interest bank account. Probably, hi, this bank account. I've had, like, shares, but they were just kinda, like, like, your shares and raise. Yep. That still counts. It means Yeah. that you understand the how they work and that you you Yep. there's no right or wrong answer. So if you've had shares in the past, we'd definitely make have that as your answer. So if we look at this for your superannuation balance, once it has been placed or investments made, how long would you need it before you would need access to the capital? In your scenario, based on your age, based on your age, I think it would be the first answer, longer than ten years, Yes. and it goes down from there. So that one's a pretty standard question a pretty common answer, to be honest with you, when it comes to superannuation. The next question is inflation means that things are getting more expensive over time, which may which makes your money worth less today. How much risk are you willing to take to keep up with inflation? So rising cost of living. Would you be willing to accept very high risk to outpace inflation, willing to accept high risks, moderate risks, a small amount of risk, or no risk. I'm moderate risk. Yep. The next question, there's there's a few more. Sorry. This is a bit long winded. No. It's fine. Investments can go up and down in value. That's called volatility. How much of a drop in your investment over a year would when would when would you start to worry? More than 50%, up to 50%, up to 25%, up to 10%, or up to 5%? So at what point would you worry? Up to 50%. Yep. Okay. How would you feel if in six months after your first initial investment, you found out that your portfolio decreased by 20% due to the ups and downs of the investment market? Would you, one, invest more for growth, invest modestly for growth, hold and wait for improvement, shift your assets to more defensive type assets, or convert to cash? Invest moderately. Yep. What kind of return do you expect to get in the long term from your investment? 8% or above, six to 8%, four to six, or two to four? 8% and about. Yep.","start_word":2091,"end_word":2503,"sentiment":"neutral","sentiment_score":-0.021227273237654717},{"text":"Beautiful.","start_word":2504,"end_word":2504,"sentiment":"positive","sentiment_score":0.5000388622283936},{"text":"Have your investments, including superannuation, ever dropped in value, and how did it make you feel? Were you optimistic about future investments or cautious with no further investments plans, concerned, or highly anxious, I'll say I'm more cautious, but I wasn't overtly too worried. Yeah. How much How much are you how much risk are you willing to take to get the return you want? So max return regardless of risk, high risk for big returns, moderate risk for good returns, minimal risk slight returns, or safety first? Moderate. Moderate. Yep. Yeah. What kind of income do you expect to get net of to get from your investments in the future? So an example would be is capital growth is the share price increasing over time, so from $10 to $20 in price. And an example of the dividend that you get from holding the share. So would you expect capital growth only with no income? So we're talking about your your super here. Mhmm. Minimal minimal income, mostly capital growth. Balance combination of two, high income with some capital or or income, no capital. I see balance. Yep. And have you ever thought about taking out money alone to invest? No. Not really. Nope. No. So that answers one part of the question. The next part of the question would be, would you be open to borrowing for shares or funds, open to borrowing for an investment property, or open to borrowing for your own home only? I am looking to get into type in some property market for unoccupied and eventually investment property. So I'd Mhmm. say in terms of property, it's something that I'm willing to borrow money for. Yep. So an investment property as well as a home your own home? Yes. Yep. Okay. And then thinking about your last answer, how would taking a loan to invest make you feel comfortable borrowing for investment, aware of the risks, somewhat comfortable, cautious of the risks, careful with borrowing, understanding its risks, hesitant to borrow, wary of high risks, or worried about your borrowing due to significant risks. I'll be comfortable.","start_word":2505,"end_word":2858,"sentiment":"neutral","sentiment_score":0.016407266701177016},{"text":"Yep. Beautiful.","start_word":2859,"end_word":2860,"sentiment":"positive","sentiment_score":0.428437203168869},{"text":"That's the end of my interrogate interrogation. So what that helps us understand is your, as I mentioned earlier, your risk tolerance. So what Yeah. you have essentially, what it tells us is a risk profile. Now what we're gonna talk about briefly is what that is, what it means, and Mhmm. whether you are comfortable to proceed with that if we look at your superannuation as an investment. So you're you've come out as a growth investor, which means that, typically, we would have an 80% allocation to growth assets being shares, national international and Australian, and property. So, property funds. And you'd then have typically 20% allocated to your defensive income producing assets, which would be fixed interest, cash components, bonds, and those types of things. Yeah. The expected return in a growth portfolio averages between seven to 9% gross of fees, and the expected volatility within a growth portfolio could be plus or negative 11% depending on the year. So Okay. that's the variance minimum suggested time frame, so this is to withstand those negative returns, Mhmm. is at least six years. So given that oh oh gosh. My calculator my keyboard's not working. Given that you're, what, 31? Is that right? Doing I'm math 30 in my two. head, Chris. 32. Yep. So you've got twenty eight years until you can access super based on today's legislation.","start_word":2861,"end_word":3091,"sentiment":"neutral","sentiment_score":-0.014533949084579945},{"text":"That's crazy.","start_word":3092,"end_word":3093,"sentiment":"negative","sentiment_score":-0.3690984547138214},{"text":"Oh Yes. It is. my gosh. The Singleize that. I know. I know. Goes quickly, though. It's the next one up from that is a high growth investor. So the difference being is that it's a 10% split. Your returns are expected to be between eight to 10%. The volatility expected could be anywhere between plus to negative 14%, and this is just standard statistics. And the likelihood of a negative return, the same with gross, is one in every five years with a minimum time frame of at least eight years.","start_word":3094,"end_word":3185,"sentiment":"neutral","sentiment_score":-0.05339792455830004},{"text":"I it and what the most important part of investing would be that, excuse me, you pass the sleep at night test. So you've got to be comfortable with your allocation and how it's it's structured for your the goals that you wanna achieve.","start_word":3186,"end_word":3229,"sentiment":"positive","sentiment_score":0.47743675112724304},{"text":"So if you're looking at growing your super to meet those income needs, it might be that initially we need to take a little bit more risk to, like, take so so I say a little bit more risk. Like, take a a a different risk profile, so maybe a high growth one to help work towards those achieving those goals, Yep. and then you'd taper off over time. So it's it's about your comfort level given your your pretty much I'm just having a look. Your I'm just having a look. Excuse me. You're at the bottom. One more number, and you would have been a a so growth starts from an about a questionnaire total of 31 to 35. A high growth is 25 to 30. You scored 31. So you're literally on the the of high growth and a growth investor. Yep. So it really comes down to your your Your preference reception's cutting and in and your out. sorry. It really comes down to your preference as to whether you wanted to I I think personally recommending wise based on a superannuation fund, You could take a high growth approach Mhmm. given your time and also the fact that you're one number away from being a high growth risk profile anyway. So I think you're under and given the fact that you have answered that you've had shares in the past, you understand loan and debt for investment purposes from property. I think you're financially astute enough to understand the the risk to first reward. So I would probably recommend a high growth portfolio based on that. But, again, I'm I take your direction. If you're more Okay.","start_word":3230,"end_word":3511,"sentiment":"neutral","sentiment_score":0.08976957767356372},{"text":"comfortable starting with an eighty twenty allocation and reviewing over time, that's a 100% okay also. Okay. No problem. Beautiful. So what I'm going to do also is just go back to the goals.","start_word":3512,"end_word":3545,"sentiment":"positive","sentiment_score":0.4973217248916626},{"text":"I just wanted to revisit one section. You said that you were a single mom wanting to set up for your daughter for uni, those types of things. Is that something that you wanna start doing now as well? Like a She's savings? Yep. yeah. Because she's start she's 10. So she's she'll be in high school in, like, two years. Yep. So I'm I am trying to be wise and just sort of kinda set her up, like you know what I mean? So I would weigh up the options too. I don't wanna leave it for too late, Yep. but if I could start now and then just bit by bit, just gradually increase it, especially for, Yep. like, things like high school and university. Mhmm. Those are the two things there where the the cost do sort of go up. Primary school has been okay, Yep. but I do acknowledge that high school and uni is gonna come with a lot of cost affiliated with it. Yeah. And have you just been doing a savings account for that? At the moment, I started I started this year, just to Yep. sort of start saving up for, Yep. like, your education and stuff like that as well. Yep. Yep. Okay. And do you put how much per week do you put into that or fortnight? Per fortnight. I work in a fortnightly basis, so I just put a $100 a fortnight into a savings account. Okay. And do you know what the balance of your savings account is? It's kinda, like, out of sight, out of mind, Yep. That's but I okay. can always check. Yeah. Yeah. No. That's alright. Yeah. The the reason I asked that is there are investment options available for you that you can invest in. The minimum investment is, I think, starting balance is a thousand dollars, and you can continue making regular investments.","start_word":3546,"end_word":3866,"sentiment":"neutral","sentiment_score":0.08774689902954755},{"text":"The benefit of those is particularly in ten years' time, which would be probably around the time she may be looking at.","start_word":3867,"end_word":3888,"sentiment":"positive","sentiment_score":0.4357016086578369},{"text":"I mean, she would have finished high school. Yes. Not sure. But in ten years' time, what the type of insurance type of investment it is is that it's at it's called tax paid. So in ten years, you would withdraw it, and it is no tax payable on it. No capital gains or anything like that because it's all taxed internally whilst invested. Oh, okay. That's This is for tonight. yeah. Yeah. Yep. So that is an option whether you're ready to do it now or whether you're ready to do it down the track, Yep. but that's something that we can look at also. And do you think that would be something more down the track? Something definitely down the track. It's it's good to know just to weigh up your options. Yeah. Yeah. Yeah. Always. Always. Okay. The other question I just need to run through with you is from the insurance side of things. I'll just explain quickly the types of insurance that are available. There is life insurance, which is self payable to your beneficiary, Mhmm. plus would make sure that we'd have one set up. And then your TPD insurance, which is total and permanent disablement, is a payment that is exactly that. If you're totally and permanently disabled and deemed not to be able to return to work in an occupation that you are trained or appropriately trained or educated in. Yeah. So if you think of TPD is a worst case scenario, so it might be, for example, you're in a car accident yesterday and you've lost the ability to use your your hands or your arms, therefore, you're not able to drive to work work your role, those types of Yeah. things. Okay. Yep. The other the other type of policy is a income protection policy, which is the one you're alluding to before being a single mom. If anything happens to you and you're unable to work, that is that will cover you in the event that you're unable to work due to injury or illness.","start_word":3889,"end_word":4234,"sentiment":"neutral","sentiment_score":-0.05094748669750773},{"text":"It doesn't cover unemployment or anything like that.","start_word":4235,"end_word":4242,"sentiment":"negative","sentiment_score":-0.3539198935031891},{"text":"It's Okay. just injury or illness. And what it does cover is it will cover 70% of your taxable income. So 70% of the $82,000 that you earn annually, and it's paid monthly. And there are two variances to that. There's something that we call a waiting period and then something that we call a benefit period. So the No. easiest way I like to explain it is is a waiting period is similar to an excess on your current insurance policy. It's Yeah. the number of days you've gotta wait until you're eligible to begin being paid. And that varies between insurers from thirty days to sixty days, ninety days, and and it can continue up from there. The benefit period is the number the period of time you're you're eligible to be paid for. So it can be two years, five years, to age 65, depending on how we structure the policy. So for example, even if you had a five year benefit period, that doesn't mean that you would just be on claim for five years. It's only until your doctor says that you're fit to return to work. So for example, you I'll use my husband as an example. He has an income protection policy. He was injured last It's year in an accident, and he was off work for four months. not. He had a thirty day waiting period. So the first thirty days was no income. He had a little bit of sick leave that covered him during that thirty days. We had to use savings, etcetera. And then after that, he was paid for the three months while on claim. So after he recovered, he was cleared to go back to work. So if he wasn't cleared to go back to work and his injury was gonna take a lot longer, the maximum time that he would have been able to be on claim for is five years because that Okay. was his benefit period. So that's how those two work. The very last policy is trauma insurance. Oh, sorry. Before I go ahead. So life, TPD, and income protection can be funded between from your superannuation funds as to not impact your personal cash flow. But the other thing we do look at is the cost of those covers and how the long term effect of that will impact your super fund. So it's a catch 22, so we look at both as an option. Mhmm. And then the last policy that's available is one that's called trauma, and it's a lump sum tax free payment in the event that you're diagnosed with a critical illness. So most trauma policies are approximately about 42 illnesses that you need you if you are diagnosed with, you'll receive a lump sum payment. The severity depends on the insurance company, and they range from cancer, stroke, heart attack, neurological diseases. Yes. And the reason why that policy that claim would be tax free is because that is actually paid out of your personal cash flow. It cannot be funded through super. So Okay. it's kind of a gap between your TPD and your income protection cover because, likely, you will return Mhmm. because likely, you will return to work and you will recover with those types of events. The likelihood is that you would recover. It's just to give you some funds in the meantime to not have to worry about financial stress while you're recovering from health Okay. a health situation. So they're the types of covers that are available. Out of those, what are you thinking, those types of covers? Okay. I think at the present moment, it would be income protection, TPD, and life insurance. Yep.","start_word":4243,"end_word":4866,"sentiment":"neutral","sentiment_score":-0.03025824297219515},{"text":"Beautiful.","start_word":4867,"end_word":4867,"sentiment":"positive","sentiment_score":0.3575173616409302},{"text":"So in the event the income protection's easy to figure out from a sum insured point of view. But what about from a waiting period yeah. Waiting period and benefit period? What would you think is it for a waiting period, is it the shorter, the better? Can you do you have funds to cover you for a bit longer? So that's Just the wanted to get better. Thirty days seems to be standard, like, similar to, like, a term deposit. So thirty days is fine. yep.","start_word":4868,"end_word":4954,"sentiment":"neutral","sentiment_score":0.013157826848328114},{"text":"Fantastic.","start_word":4955,"end_word":4955,"sentiment":"positive","sentiment_score":0.4525686502456665},{"text":"And with the benefit period, typically, in super, we'd look at five years because it would be disability. But what let me play with that. Would you be comfortable with five years, or would you like longer? Five years means yeah. Yeah. Five Yes. years. Yep. Okay. With your life and TPD, I'm just gonna ask a couple of quick questions that will help me look at some insured. When you look at I guess, first of all, you mentioned you wanna make sure anything that happens to your daughter, it's it's covered. Is you mentioned university life costs, etcetera. Mhmm. Is there funds there that you'd want available for her to be able to purchase a house, live in a house? I mean, let's say she's age 15 and the worst case scenario happens. What do you want for her to receive to make her life easier? Oh, It that's a tough is, question. isn't Yeah. it? And it's not one as Of moms course. Obviously, we you wanna make sure like your babies are good. to I feel like think for me, about. it's just having Mhmm. having financial security for her is important to me. Like, I don't god forbid, I don't want her having to struggle to find a place to live or let's just say Yep. removing all external factors if my mom's not here or my sister or my dad or anyone. Mhmm. Mhmm. Just so I had to, like, have a roof over her head, and she doesn't have to worry about the little cost of, like, you know, having to pay for the house, etcetera, just to make sure. She's sort of kinda set up and, like, a little bit of a nest egg will be Okay. ideal for her. Yeah. But in terms of dollar figures, I'm not too sure, to be honest. Okay. That's okay. So you'd like Yeah. her to You're have welcome. be able to have a to purchase something to live in that she can call her own and give her that Yeah. If anything were to happen, at least she has a little bit of a buffer. You know? stability? Yep. How Yeah. much would you anticipate, I mean, based on where you live, if it was a little unit or a a townhouse that she could purchase. You know, she would probably live with family for a little bit until she's older and those sorts of things. But how much would you like for a based on today's dollars? And, again, it it's all based on Well, I'm looking at realestate.com, like, in the suburb that I'm living in. Like, for example, like, at the moment, like, a three bedroom, two bathroom townhouse is priced between 500 and 10 to 560,000. So that's, Yep. like, a basic townhouse. Yep. So Yeah. 600 do you think 600,000, like, with stamp Judy, and all that would be okay? Yeah.","start_word":4956,"end_word":5447,"sentiment":"neutral","sentiment_score":0.08700858291268833},{"text":"But I think that'll be more than enough.","start_word":5448,"end_word":5455,"sentiment":"positive","sentiment_score":0.3631680011749267},{"text":"Yeah. Yep. Did you wanna allow you mentioned nest egg. Was there anything at an additional amount you wanted for her for education or a nest egg? As of present, I mean, I haven't thought about the dollar figures, to be honest. Yep. That's something that I'll have to consider and weigh up as she gets older. Yep.","start_word":5456,"end_word":5513,"sentiment":"neutral","sentiment_score":-0.030724843963980675},{"text":"Thank Yeah.","start_word":5514,"end_word":5515,"sentiment":"positive","sentiment_score":0.4280653893947602},{"text":"you. Okay. Yeah. And last but not least, if something was to happen to you yesterday and your mom or your dad or your sister or extended family were to look after her, How much in how much would it cost to pay for her education, her living expenses? Kind of like, how much would you like to allow your family members per annum roughly, and this is just we work backwards from here, to cover those expenses without there being an a financial impact strain on getting what your I you want your daughter to have versus what your family members may be able to afford? don't know. I don't Yeah. know. Well well, you know, what we can do is we can actually Okay. start start by looking at your expenditure. So if your expenditure is about $500 a week, how much of that do you think is goes towards your daughter? Like, living expense wise, so food, At school, she does go to a government school, so nothing I think more her expenses would be things like uniform, school. Mhmm. school lunches, and Yep. at the moment, she does, like, extracurricular activities such as dance and swimming. Mhmm. Mhmm. I thought she do. Yeah. Those are. Yeah. Yep. No. That's fine. And with high school, should we be going to a private school or a public school? Looking, there is a private school that I'm interested in for her, but I don't also mind, like, a public school. But I am also looking for a really good public school in our area. So but I'm more leaning towards Mhmm. private. Okay.","start_word":5516,"end_word":5789,"sentiment":"neutral","sentiment_score":0.02305571161156153},{"text":"Beautiful.","start_word":5790,"end_word":5790,"sentiment":"positive","sentiment_score":0.43916183710098267},{"text":"Okay.","start_word":5791,"end_word":5791,"sentiment":"neutral","sentiment_score":0.2722272276878357},{"text":"Beautiful.","start_word":5792,"end_word":5792,"sentiment":"positive","sentiment_score":0.47470688819885254},{"text":"Look. Look. I can use some basic it's very hard to answer those questions. I know, and I'm sorry for asking No. a lot No. of questions. No. I'm so sorry. They're they're good questions. It gets you thinking, Yeah. to be honest. It does. And I can use some basic statistical information that we have access to on those types of costs to look at to look at what Yeah. an appropriate sum insured would be for those types of cover. Okay. I've asked a lot of questions. Do you have any questions of me? Not that I can think of on top of my head, to be honest. If I Nope. have any That's questions, okay. I'll email you. Yeah. Yep. Absolutely fine. So what I'm Yeah. going to do now, I'm just trying to log in to a different screen. It won't be a second. I'm just gonna run oh, it's not working. There we go. I'm going to run through our financial services guide. It's just gonna get be able to meeting. It is is it I've been getting that a lot the last two days. I think it's my headset because I've been fiddling with the volume, and the volume seems I'm gonna turn it all the way up. Is that a bit better? Yes. I can hear you. It just goes you know, if you you know the sound of like someone's going on the water. Okay. Yeah. Well, I'm definitely not doing that. Sorry. You love swimming? No. Not Yeah. unfortunately, no. No. Not a unfortunately, no. Okay. So to go with our to go I'm gonna run through our fee structure and how it typically works. Place So the there's a there's two fees. what? There's the 50. initial fee for the advice and the ongoing fee. The ongoing fee is set at 1.65% per annum of your funds under management. So that's based on your balance today. If you were to do an investment bond as we talked about earlier, I referenced, that same fee would be applicable to your bond as well. That cove the ongoing fee covers your ongoing annual reviews or your review frequency depending on what one you select. It will cover any questions that you have, any touch points. So you're not limited in contacting us for any concerns, questions, or updates that you wanna receive. That's what your ongoing fee covers us for. There is an initial implementation fee. So everything up until the point that you decide if you wish to proceed is complimentary, and we'll work through all the all questions you have. Once you if you get to the stage where you agree that you wanna proceed with advice, there's a one off implementation fee, and that's $4,950. And the funding of that would come from your super fund in this scenario because that's all we're looking at at this time, not investments. Mhmm. And that's how the fee structure works. With insurance, we are paid via the insurance company via commission. So that's not out of pocket Okay. out of your pocket. That's Yeah. paid via the insurance company. So any questions regarding No. It's fine. I work for the bank, so I understand. fees? Yep. Yes. Okay.","start_word":5793,"end_word":6339,"sentiment":"neutral","sentiment_score":-0.018316707333764386},{"text":"Fantastic.","start_word":6340,"end_word":6340,"sentiment":"positive","sentiment_score":0.41331684589385986},{"text":"Yep. So you know what an FSG is, so that's great. I Yeah. don't need That's to explain true. Yeah. that. I I do it as well, so don't worry. I understand.","start_word":6341,"end_word":6372,"sentiment":"neutral","sentiment_score":0.15488271415233612},{"text":"Beautiful. I love that.","start_word":6373,"end_word":6376,"sentiment":"positive","sentiment_score":0.5993890166282654},{"text":"Okay. So what I'm going to do is also in a moment, I'm going to send you a link to, it's called the f triple a safe ID. It just being in the bank, you would know this as well. Yes. Yeah. AML, it's just for you to complete when you're ready, and it's just your confirming your ID. Sorry. It's there's no other way to explain it, really. Yeah. So I understand. Yep. The ID. Yeah. yeah. Alright. So I'm just going to process through that. Okay, sir. It won't be a moment. Okay. So you you'll have that invite in your inbox shortly. And if you just follow the the links, that should work. If you have any concerns or any issues in completing that, please let me know, and I can walk you through that. Hi. Yes. The number Sorry? I'm just going to start the the verification, it's fine, while you're on the call.","start_word":6377,"end_word":6534,"sentiment":"neutral","sentiment_score":0.109781564932458},{"text":"Oh, fantastic. Lovely. I love that.","start_word":6535,"end_word":6540,"sentiment":"positive","sentiment_score":0.72979336977005},{"text":"Okay. And the next questions really are from here is, with the insurance, the only thing that I do note that what we would want to look at doing to avoid any delays, Okay. if you did wish to proceed, is look at getting a pre assessment. What we do there is we look at health and financial to see if the insurance company is comfortable issuing a policy. The only reason not comfortable issuing a policy, but it meets the underwriting guidelines. Sorry. Incorrect terms, you said. The reason I say that is is you are on a weight loss journey at the moment, and they will look at the for example, how much weight you've lost over a twelve month period, etcetera, and they will set so they'll wanna look further. So what it means is basically is they might say, yep. Happy to proceed with cover. It's all it's all kosher. There's no risk factors additional risk factors we see here.","start_word":6541,"end_word":6704,"sentiment":"neutral","sentiment_score":0.00410846620798111},{"text":"That's fantastic.","start_word":6705,"end_word":6706,"sentiment":"positive","sentiment_score":0.42831143736839294},{"text":"Worst case scenario is they might say, no. We wanna wait six months and revisit the application in six months. Middle case scenario is, yep. That's fine, but we may apply a loading to that insurance policy, which would be reviewable in x y z amount of time. So what we like to do is make sure that we have all the pre assessment details ready.","start_word":6707,"end_word":6772,"sentiment":"neutral","sentiment_score":0.013141314640189665},{"text":"It does speed up the process in relation to getting a decision on insurance, and it and it lets us be more transparent with you as to what the outcome's likely to be.","start_word":6773,"end_word":6805,"sentiment":"positive","sentiment_score":0.4085564315319062},{"text":"Uh-huh. So if you did wanna proceed down that, I would probably transfer you back to Maddie for a little bit, or I'm happy to go through it over the phone with you if Maddie's busy at pre assessment. But from today's perspective, outside of what we've discussed and oh, actually, the other thing is estate planning, wills and powers of attorney. Yeah. The the fun conversation. Yeah. Yeah. We do have a professional partner that we work with. Yeah. It's quite reasonable, actually, price wise compared to what I've seen over my time to establish those documents. What I can do is just email you a brochure Okay. Yes. if you like for you to have a read over. It gives you an indication of prices for what you can expect to pay. And you can then let me know if you want me to arrange a referral or an introduction to them. Given Okay. that your daughter's 10 and you're the sole parent, essentially, it's probably it's one of those things that you probably need to attend to sooner rather than later Yeah. just Of to course. make sure Yep. she because no matter what plan you put in place to make sure that she's financially secure without that document in place, it can leave her vulnerable Okay. should you not be Yes. around. Okay. So I'll email you that to have a read over. Outside of that, the only other question I wanted to ask is with your debt repayments, are you happy to continue those, or you're just happy to continue managing those yourself? At the present moment, I'm fine just managing myself. But Yep. if I do need further assistance, I'll just reach out.","start_word":6806,"end_word":7094,"sentiment":"neutral","sentiment_score":0.08360089361667633},{"text":"Fantastic.","start_word":7095,"end_word":7095,"sentiment":"positive","sentiment_score":0.6125838160514832},{"text":"Yeah. Okay. So I have asked a million questions of you today. The next steps from here are are probably you deciding if you're happy to move to the next steps. If you wanna go away and have us think about things for a little bit, gather your thoughts because it is information overload, to be honest with you. I can send you a summary of our conversations with some links to some web sites with the general information that you can check out. And, basically, once you have made a decision as to what you would like to do, whether you wanna proceed with advice or not, Nope. we would then start the advice process. So that would involve me and our team generating an advice document, presenting that to you with my recommendations as to what you need to do, You deciding out of that what you want to do, and then we go and implement from there. So Okay. what I can do is send you a summary email if you like and touch base with you in a couple of days. I'm completely led by you. Okay. No problem. Yeah.","start_word":7096,"end_word":7289,"sentiment":"neutral","sentiment_score":0.08305857929679536},{"text":"If you can send me through a summary email, that'd be great.","start_word":7290,"end_word":7301,"sentiment":"positive","sentiment_score":0.3769096434116363},{"text":"But I so it's something that I've I'm interested in. I did have a conversation with my partner, and he kinda gave me the ins and outs of it. So it's something that Yeah. I'm comfortable about it. So yeah. Yep. Alright. Alright.","start_word":7302,"end_word":7344,"sentiment":"neutral","sentiment_score":0.17390836775302887},{"text":"Beautiful.","start_word":7345,"end_word":7345,"sentiment":"positive","sentiment_score":0.5257661938667297},{"text":"What I'll do is I'll do up a summary email for you this afternoon to make sure that you received that today. I might touch base with you on Friday. Is that okay? Yeah. That's fine. I'll No problem. I work from home on Friday, so I don't have too much of a busy schedule.","start_word":7346,"end_word":7400,"sentiment":"neutral","sentiment_score":0.1711195707321167},{"text":"Fantastic. I'll touch base with you Friday morning sometime to see how you're going and what your thoughts are. And in the meantime, if you can complete that ID verification for me, that would be fantastic.","start_word":7401,"end_word":7436,"sentiment":"positive","sentiment_score":0.5034360885620117},{"text":"And I will speak to you Friday morning.","start_word":7437,"end_word":7444,"sentiment":"neutral","sentiment_score":0.2591197192668915},{"text":"Beautiful. It's all done. I have completed it.","start_word":7445,"end_word":7452,"sentiment":"positive","sentiment_score":0.49407488107681274},{"text":"Okay. Okay. Yep. Alright.","start_word":7453,"end_word":7456,"sentiment":"neutral","sentiment_score":0.1726185828447342},{"text":"Fantastic. I will keep an eye on that.","start_word":7457,"end_word":7464,"sentiment":"positive","sentiment_score":0.3946731686592102},{"text":"Actually, while I've got you on the phone, did you wanna go through that insurance pre assessment quickly? I may as well to get the Yep. ball rolling. Yeah. Yep. Yep.","start_word":7465,"end_word":7495,"sentiment":"neutral","sentiment_score":0.0644036401664057},{"text":"Fantastic. Fantastic. I think that's a good idea.","start_word":7496,"end_word":7503,"sentiment":"positive","sentiment_score":0.7157652974128723},{"text":"So you're a 100% in office, so that's not applicable. In your role, are you required to travel for work or anything like that? Just to the office in the city twice a day twice a week. Yeah. No. That's Yeah. fine. You know, do you perform any hazardous activities, working at heights, explosives, underground, all that Just sort dealing of stuff? with people's money, really, but no. None none of the above. Yep. Yep. Beautiful. Do you intend to change your occupation or employment status in the next twelve months? No. No. Do you have a second job besides No. being a I mom? do from time to time. Well, I started, like, I started, like, five. From time to time, I have started to just to do Uber, just five houses for extra cash, but it's not something Yep. that I'm consistent with. Yeah. Okay. Fantastic. Do you intend to travel or live overseas for work or pleasure anytime in the foreseeable future? I'm trying to travel, but not to relocate yet. Yep. And where will you be traveling to? We don't have solar plans there, but looking to travel to Japan in the next twelve months. Yep. Beautiful. Yep. Just for a Yeah. Just a holiday. holiday? Okay.","start_word":7504,"end_word":7714,"sentiment":"neutral","sentiment_score":0.019119523465633392},{"text":"That will be lovely.","start_word":7715,"end_word":7718,"sentiment":"positive","sentiment_score":0.33593153953552246},{"text":"Is it are you going for snow season? No. I Or really wanna go for the cherry blossom season. oh, so do I. Yeah. I've never been, so I'm really excited.","start_word":7719,"end_word":7749,"sentiment":"neutral","sentiment_score":0.12977062165737152},{"text":"I've heard beautiful things about Japan. So, yeah, I'm, like, I'm really excited.","start_word":7750,"end_word":7762,"sentiment":"positive","sentiment_score":0.3582758903503418},{"text":"You'll have to let me know because I would love to go for that also. Yeah. Do you have any pastime sports or hobbies that you compete in or you participate in that are you'd probably consider contact type sports or high levels of danger? I really I used to Pilates once in a while and but mainly just mainly just gym, Pilates, and then swimming. Those Yeah. are, like, That's my fine. main just, like, your Yep. regular and regular stuff. Yeah. Yep. Yep.","start_word":7763,"end_word":7847,"sentiment":"neutral","sentiment_score":0.08400383293628692},{"text":"Absolutely.","start_word":7848,"end_word":7848,"sentiment":"positive","sentiment_score":0.37200966477394104},{"text":"And you're you said you're a nonsmoker, so that's fine. No. But have you used any tobacco substance in the last twelve months? Nope. Not a small guy. No. And have you ever taken any illicit drugs? Nope. No. Do you drink alcohol? I'm an occasional drinker once in a blooming, to be honest. Yeah. Yeah. Yeah. Same. So on average, how many would you drink per week? For a week, none Yeah. Just for a week. yeah. But the last Yeah. time I drank was, like, two months ago. Like, I'm not Yeah. a really big drinker. Yeah. Okay. I That's get that. absolutely Absolutely. fine. I've Yeah. got your okay. So in the last Last twelve months, twelve months. how much weight do you think you've lost? So I started off with a hundred and fourteen kilos of one eighty. So I was about ten kilos. Ten and a bit kilos. Yeah. So you're you started a hundred and fourteen. A hundred and forty two kilos. Now I'm roughly, Yep. like, one zero three, one zero two. I mean, like, borderline. Okay. So you've lost Okay. about 12. Yep. Yep.","start_word":7849,"end_word":8040,"sentiment":"neutral","sentiment_score":0.0002675251162145287},{"text":"Beautiful. Yep. Congratulations. Well done.","start_word":8041,"end_word":8045,"sentiment":"positive","sentiment_score":0.48036494851112366},{"text":"Oh, thank you. And is it did you just decide to do that for your health? Yeah. Health reasons. Yeah. Just really health reasons and stuff like that and just wanted to show confidence and stuff. I did I was in the IUD, so I gave quite a bit of weight from that. Yep. So I just wanted to sort of just leave the weight, so my doctor just put me on the g p l t GLP one and, yeah, to go from there. Okay.","start_word":8046,"end_word":8131,"sentiment":"neutral","sentiment_score":0.04363107308745384},{"text":"Fantastic.","start_word":8132,"end_word":8132,"sentiment":"positive","sentiment_score":0.3986634314060211},{"text":"Alright. Yeah. In the last twelve months, have you been I an absent from work or been unable to fulfill your duties? Apart from, yes, normal sick leave. Yeah. No. No. Yeah.","start_word":8133,"end_word":8164,"sentiment":"neutral","sentiment_score":-0.040479097166098654},{"text":"No. Not really.","start_word":8165,"end_word":8167,"sentiment":"negative","sentiment_score":-0.4443303644657135},{"text":"Alright. Have you ever been diagnosed with an illness that can that will impact your ability to work? At hutchwood, no. I haven't. No. That's good. Yeah. Have you ever had an insurance application declined or refused? No. I haven't applied for any form of insurance. Yeah. Okay. Beautiful. Have you been on any sort of workers' compensation claim or government benefits for any sickness or injuries? No. No. And okay. So you did not apply. So that sorry. Talking to myself there. You haven't applied for insurances before, so that question's not applicable. Alright. This is just about your medical history, so I will just run through this. At the very moment, do you intend to seek any medical advice, test, investigation, or treatment, including No. surgery? Nope. Have you ever had or sought advice or treatment from a health care professional for the following? Stress, anxiety, depression, or a mental health disorder. No. But I have seeked for counseling for domestic violence, and I've been on the health care plan. Yep. And how long ago was Twelve months twelve that? to eighteen months ago. Yep. Yep. I'm glad that you have been able to make it through that.","start_word":8168,"end_word":8367,"sentiment":"neutral","sentiment_score":-0.09694400429725648},{"text":"That's not a not a nice thing.","start_word":8368,"end_word":8374,"sentiment":"negative","sentiment_score":-0.6155447363853455},{"text":"I'm No. sorry Thank to hear. you. What about any skin cancer, tumors, lesions, moles, or a cyst? No. None. No. Any back or neck pain, problems, any sciatica? No. Not really. No. Any bone fractures, muscle, ligament, tendons, injuries? No. Any blood borne diseases? Any heart or blood No. conditions? Nope. No. Sorry. This just No. there's That's a lot okay. of questions That's here. fine. We have you have to ask them. It's all good. I do. I do. Any cancers? No. Asthma or respiratory conditions? No. Any disease oh, sorry. Any condition of the eyes or ears outside of wearing glasses? No. I just say Barclays. Yep. High blood pressure or high cholesterol? Any skin condition such as dermatitis, eczema, anything like that? None. No. Any diabetes or thyroid condition? No. Any any other condition that you can think of? I was my GP was concerned about having a fatty liver. That's one of the reasons why I had to be but it's been monitored. It's fine now. It just has to do problem with the weight. Yep. Yep. Okay. Yep. So when was the last time you had I went for my annual blood test at the start of the year. that Am due for one now. But when I have my blood test at the start of the year, everything checked out to be fine. checked? Okay. So I there was can't remember. no indication of any more fatty liver? No. Okay. K. Okay. Beautiful. And have you had any previous surgery? Two terminations. That's about it. Yeah. Did you say two? Two terminations. Yep. And they were surgery? Surgical. Yes. Surgical. Yep. Yep. Yep. Okay. Have you had any abnormal sorry. This is getting quite personal for a first consult. No. Have That's you okay. had It's fine. have you had any abnormal pap smear test results or any abnormality of your No. ovaries? No. Have you had any abnormal vaginal bleeding in the last twelve months? I after my termination last year, I had, like, a bit of BV. That was more of a side effect if they wanted that information, Yep. but it was treated. Yeah. Yeah. Yeah. No. That's fine. That's fine. That's part of the other thing, so that's fine. Yeah. I know. I just answered And that. any breast lumps or abnormal mammogram or breast ultrasound? Nope. Okay. Alright. With the fatty liver, when was that diagnosed? It was it was last year when I was about to start my mangera because I went for, like, my annual blood test, and then the doctor just raised concerns about the fatty liver. Yep. I can get the blood test results from last year. My most recent. Yeah. I can ask them Yes. to give me my all my bloods in the last twelve months if required. That's okay. No. No. No. What Okay. will happen is is we're just gonna use this very basic information to go to the insurance companies and make sure that we can get you cover. Yeah. If they're happy to proceed, they'll actually reach out to your doctor because there is a cost, believe it or not, for them to get Oh, this information okay. from your doctor. But Yeah. the insurance company pays for it, so Okay. don't That's even good worry to about know. it. So I don't want you to if they say, oh, why do you want it? You say I'm getting it from my insurance company. They'll say, oh, well, we charge this, Yep. so Okay. don't Thank worry you so about much it. for holding. Thank you for letting me You know no. No. No. No. So don't worry about that at that. all. Okay. Okay. With the counseling, I'm sorry to be intrusive here because of the delicate nature of why. How long did you seek the counseling for? I saw a therapist for about three to six months, but it was more on and off. It wasn't more, like, consistent. But, yeah, Yep. it was something that I was seeing probably. I was just like I was just u e I was utilizing the EAP program at work. Okay. Okay. And you're not seeing them anymore? No. Now I just do an occasional check-in just just to make sure I'm okay with Yep. just a different therapist, but none that has to do because I'm I'm no longer in that relationship anymore. Yep. Okay. That's good to hear. Yep. You. Yeah. Good one. Yeah. Yep. Good one. Okay. So that's fine. I'm just checking. With the dosage of your Manjaro, how much do you take and how often? So I started from two point five milligrams. Now I'm on five milligrams. So the next dose would be after my daughter's happy, it will be seven point five. But at the moment, I'm on five milligrams, and I take it once a week. So it's a four week, yeah, four week Okay. And when did you start it? dose. I I started the Menjaro, I'd say, September, October last year. Yep. Yep. 2025. When did you start the five milligrams? The five milligrams are started later this year, so around about April, May. I'm still on the five Yep. milligrams at the moment here. Okay. And the seven is to be confirmed. To be confirmed. Yeah. Yep. Because you need And a you script just for it. So it's for something Yep. that yeah. No. Yeah. No. I understand. That's absolutely fine. After the seven point five, is it likely to go out more, or does it sit at that now? I'm gonna leave it at the seven point five because the Yep. other ones yeah.","start_word":8375,"end_word":9332,"sentiment":"neutral","sentiment_score":-0.03702568108048718},{"text":"No. It's too it's costly.","start_word":9333,"end_word":9337,"sentiment":"negative","sentiment_score":-0.5447820425033569},{"text":"Sorry. Yep. Alright. That's okay. I understand. All Alright. Okay.","start_word":9338,"end_word":9347,"sentiment":"neutral","sentiment_score":0.051355548202991486},{"text":"Beautiful.","start_word":9348,"end_word":9348,"sentiment":"positive","sentiment_score":0.5139495730400085},{"text":"The only other set of questions I have relates to immediate family members, so that's being your mom, dad, and siblings, Mhmm. and just if they have had been diagnosed with any of these conditions. Okay. First lot, heart disease, heart attack, or stroke, No. multiple cirrhosis, Parkinson's, or Alzheimer's, any muscular dystrophy, Huntington's, or motor neurone No. disease No. neuron. No. Sorry. Any bowel cancer or melanoma, No. any polycystic kidney disease, any breast or ovarian cancer, No. cardiomyopathy. What's that? Sorry. That's to do with the heart. So that's the heart being from my recollection. It's small or large in size? No. Nope. Any mental health condition? No. Any diabetes? And any other condition that you can think of that could potentially be No. Not that I know of, but I can always double check with my mom, to be honest. hereditary.","start_word":9349,"end_word":9492,"sentiment":"neutral","sentiment_score":-0.07189324731007218},{"text":"Absolutely fine. Absolutely fine. Alright. Thank you for taking the time.","start_word":9493,"end_word":9503,"sentiment":"positive","sentiment_score":0.5561661720275879},{"text":"That's the end of that invasive questionnaire. What I'm gonna do is I'm gonna put together our a summary email for you, send it through. I'm gonna reach out to you on Friday. And in that time frame, I might get a pre assessment done. So when I do speak with you on Friday, I have a pretty good idea of what we can do insurance wise and if there's any limitations that we Okay. have.","start_word":9504,"end_word":9579,"sentiment":"neutral","sentiment_score":0.1930554211139679},{"text":"Beautiful. It sounds good.","start_word":9580,"end_word":9583,"sentiment":"positive","sentiment_score":0.584415853023529},{"text":"But that's it. Yep.","start_word":9584,"end_word":9587,"sentiment":"neutral","sentiment_score":0.1424775868654251},{"text":"Oh, beautiful. Thank you so Well, much. thanks.","start_word":9588,"end_word":9595,"sentiment":"positive","sentiment_score":0.5229678153991699},{"text":"No.","start_word":9596,"end_word":9596,"sentiment":"neutral","sentiment_score":0.01971536874771118},{"text":"Thank you.","start_word":9597,"end_word":9598,"sentiment":"positive","sentiment_score":0.375070184469223},{"text":"And I will talk to you again on Friday.","start_word":9599,"end_word":9607,"sentiment":"neutral","sentiment_score":0.2863457202911377},{"text":"Alright. Thank you so much for you. Have a good day, and take care. Thanks, Kat. You too.","start_word":9608,"end_word":9625,"sentiment":"positive","sentiment_score":0.6658350825309753},{"text":"Bye bye. Same. Bye. Bye.","start_word":9626,"end_word":9630,"sentiment":"neutral","sentiment_score":0.20640335977077484}],"average":{"sentiment":"neutral","sentiment_score":0.0364838930048666}}}}