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Oh, fantastic. Oh, cool. Well, I know you're about to go away and have to have a bit of a holiday there as well. But I just had just had the updated advice document to send back through to you. Do you have access to your emails? Are Are you able to open that one up for me at the moment at all? That's okay. You're right. Just kinda went back and rejig that TTR strategy for you just with your income. Beautiful. Beautiful. Yeah. So, yep, that's the one. And if you go down to page number 26, when it lets you open up that advice document there That's yeah. If you press that button, then it lets you go through and access the document. Yeah. Yep. Page number 26. Oh, is it is that a little bit better? I've just moved the headset up a little bit. Is that a little bit better at all? Oh, I'm so sorry. I'll try to speak up a bit more. That's okay. Beautiful. All good. So with your pay slip, we went through and had a really good look at your income and how that sort of works. And on the pay slip that you kinda showed us with your employer contributions, you're getting employer contributions not only on your base rate, but also on the penalties as well for the Sunday and through the week. So when we kind of went through and checked your income, you're currently based on that one pay slip. If you even over the course of the year, expected to get about $80,007.73. So your income is definitely higher than your base rate, which is good. What we're gonna do is there's no change to the strategy. We still wanna do the TTR. We're just sort of rejig to make sure that we were accounting for your contributions correctly. So at the moment, your income estimated is $80,007.07 3. Your current salary sacrifice for the year is 7,800. That brings your taxable income down to $7.02 $9.07 3, and income tax income tax on that amount is estimated at 13,000 for the year. That basically means your take home pay currently is about 59,102. So what we're gonna do is open up that second account, which is that PTR pension account. We're going to move sorry. We're gonna move about 112,000 over and leave about three hun 369,095 sitting in the in the accumulation phase. What we're gonna do is we've got on the proposed side, your income is 80,000 to begin with. We're gonna increase your contributions up to 22,807. So we're gonna add on to the current salary sacrifice. So you're putting more into super, and it works out. You'll end up putting 22,807 into the super fund over the course of the year. That then reduced your taxable income down to $57,009.09 6, and that reduced your tax on that to $8,009.39. So it's good it reduced your tax. But because it has reduced your taxable income and your after tax income down to 49,000, we need to replenish that. So we're then going to withdraw 10,080 on a yearly basis. We'll do it in increments. It can be done fortnightly or weekly in line with your income. And when the team calls to get your bank details to do the application form, they'll also just confirm when you want those pension payments to begin, whether you want them the same day as your income or whether you want them to be, you know, the week the week outside of that. So you can just let us know what day you want those to occur. Yep. And fortnightly? Yes. Yes. Absolutely. Yeah. No. Not a problem at all. So for the 10,080 that you'll be withdrawing out of the pension account for the year, it works out to be about $387.69 per fortnight. So you can sort of see how this works because you're putting more money into super. And in order to replenish your income, we'd have we cannot we can draw less out, which is good. And then once you've done that, you then have your take home payback at that 59,107. So it's a little bit higher than what you currently get now, and it's it's kinda replenishing your income there. The good side of the strategy is that you're putting more into super, which benefits you over the longer term, and the advantage there as you reduce your income tax payable from your income, which is kind of cool. Okay? Yeah. Yeah. Yeah. Yeah. Yeah. No. That's good. Well, the good part about this is because you're over 60, the amount that you're drawing out of that TCR pension account is tax free. So it does reduce how much income tax you're gonna have to pay. It does produce a bit more tax free income for you, and it replenishes your income nicely. And if you scroll down to page number 32 for me, you'll see a sense of the projected outcome. So once we've sort of implemented the strategy there, we've done the investment switch as well as we went through last time. With the projected outcome in the next sort of six years, you can sort of estimate that you should have about 625,000 in super. So we can sort of see that grow pretty significantly over the next few years towards your retirement. Yeah. Beautiful. That's okay. We will make sure that you have a beneficiary nomination applied as well. So when we open a new pension account, we'll send you a beneficiary nomination. Our team can help to prefill that if you need as well. It's just making sure that nomination is made out. So in the event of you passing your pension payments, your, you know, super and your pension are reflective and are paid to where you want them to go. And if you've got some time and wanna run back through the other side of the document, the first sort of sections is just retaining your current super fund and doing the investments, which as we went through last time. So there's no real change to any of that other strategy. It was just making sure we had your income fairly accurate. The benefit is you seem to take quite a bit of extra work and overtime when it's on office. So this is kind of looking at your base based on on the pay slip that we saw last time. We'll make sure that we do catch up with you, and I do regular, you know, three monthly reviews just to make sure we're checking your contributions. If and when we feel like you might be exceeding the cap or too close to the cap, then we'll double check what catch up contributions you might have from previous years to make sure you're okay. Yeah. Yeah. I only had, like, one hour. Yeah. Yeah. Yeah. Yeah. Yeah. Absolutely. Yeah. Doing overtime just means you end up with more money. Yeah. Mhmm. Absolutely. It kind of gives you the the base rate with what you were working at one pace. It kinda gives us the lowest expectation of what you should earn on a weekly or fortnightly basis. So then any additional overtime on top that only, you know, provides a benefit to you and put gives you more money at the end of the day. So yeah. Absolutely. Yeah. Beautiful. So yeah. So once you're happy to go ahead with that one, we'll get you to sign and return the document back. Our team will then give you a call. They'll make sure they get your bank details. They'll do the app a the application form for you. We'll do the investment switch as well so that the investments are all switched. It takes about between one to sort of three weeks to complete the investment switch completely. So the TTM might not take a little bit. Yep. Maybe we start that when it come when you come back to make it easy. The investment switch in the meantime. Yep. Yep. Yep. Yep. Yeah. Absolutely. So what we'll do is we'll start once you sign and return the documents back, I'll let the team know we'll do the investment switch first, and then I'll get them to touch base in about three to four weeks for you. And then they can you know, we're ready to do the TTR side of things, so they can get your bank details, get you to sign the doc then. That way, you can enjoy your holiday, and then we'll be ready to move on to the TTR side of things when you're back at work. Okay? Fantastic. Excellent. And if you find you have any questions in the meantime, let me know. Feel free to take some time to read you the document if you want to. I've reattached all the the product disclosure statements and things there as well for you. So that is all there and all good, and I'll void the last document that we sent out from last time. This that way you're sort of all covered there. Okay? It's up to you. If you're comfortable signing and returning it back, you can. If you wanna that's fine. Yeah. That's fine. Yeah. Absolutely. So if you're comfortable to do so, at the bottom of the document or if you see, it should be a little sign button. You should either see next or if you can scroll down to the last page, it'll have a little signing section for you. All you do is click on that section. Yep. Yep. You should just click on the signature. Yep. Yep. A pre a pre done up signature. Yep. You so you you can press sign or if you're comfortable using that signature. That's absolutely fine. This is a prepopulated one. Yeah. Pretty close. That's okay. Sign all the sections, and then you should see a little button that says date. Sometimes it wants you to press on that. Yep. Beautiful. Oh, is it? So press it's the twenty eighth, but they've probably it's probably it goes back a little bit weird. So sometimes it uses yesterday's date, but that'll be honestly okay. Because it uses your IP address as your signature verification, so that won't be a problem. So you can either it's sometimes a bit funny for me. So sometimes it'll let you click on the date. If it doesn't, press next, and it should go through and start to prepopulate the date for you. That's okay. Yep. Absolutely. That's okay. What's it doing now for you? Is there a button that says next or mhmm. Okay. Okay. So what it might have there now you'll have a little box that says multiline in it. You can if you it's not meant to be mandatory. It's meant to be optional, but you might just need to put NA in that box where it says multiline or just put an n or something. The box that says multiline on the signing page above, you see this down. Yeah. That's okay. Just click on the box, and it should come up with a little yep. Not doing anything. Right. It's gen it is a lot easier on a computer if you're able to access the computer. Yeah. That's okay. No. No. That's okay. Worst case, we can just go out and try again. Yep. Yep. Just go back to the original email there, and we'll just go through again and give it another try. Could just be loading as well, taking a bit of time to think about it. Love technology when it wants to work. Is it letting you when you click on it, is it letting you put, like, an n or a letter or anything in there? Okay. That's okay. Sorry about that. Yep. Perfect. Oh, it's too hard to see. It's too little. Yep. Press the validate button. Yep. No. That's okay. You're absolutely fine. I'm just one of those. When something doesn't work, I just start clicking all sorts of things and hoping that it'll start to work for me. Technology is not there. Yep. Not So is there anything at the bottom that says finish or completed, or is it just a finalization page? No. That's okay. You can just escape. Nope. Perfect. Yep. Perfect. It's Julie, it's just come back saying it's all done. No. That's fine. Yep. It's just come back to me and told me it's all signed and done. So that's you've done everything correctly. Easy. Yay. Thank you so much for that. Did you want me to download a copy of those and have them emailed through to you just so you can review them if you want to later on? That's okay. That's alright. If you ever decide to, you're always welcome to to ask for them, and we'll happily send them through. It's not a problem at all. But, yeah, what we'll do is I'll get the team to download them. We'll start by just doing the investment switch for you. And then in about three weeks, we'll call and go through the the TTR side of things with you, okay, after you've had your holiday. Yeah. Beautiful. Not a problem at all. I hope you have a good day. Thank you so much for taking my call. Well, thank you so much. Yeah. Oh, awesome. Yeah. No. That'll be good. My pleasure. You enjoy your day. I'll talk to you soon. If there's any questions or anything that come at you, welcome to let me know. Okay? My pleasure. You enjoy. Thank you so much, Julie. Talk to you soon. Thanks. 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Good morning, Julie. This is Dana from OG Financial. How are you? I'm very well.\n\nThank you. How was your weekend? Yeah. Oh, I'm so sorry. Yeah.\n\nNice. Nice. A bit of extra money there. Yeah. Oh, fantastic.\n\nOh, cool. Well, I know you're about to go away and have to have a bit of a holiday there as well. But I just had just had the updated advice document to send back through to you. Do you have access to your emails? Are Are you able to open that one up for me at the moment at all?\n\nThat's okay. You're right. Just kinda went back and rejig that TTR strategy for you just with your income. Beautiful. Beautiful.\n\nYeah. So, yep, that's the one. And if you go down to page number 26, when it lets you open up that advice document there That's yeah. If you press that button, then it lets you go through and access the document. Yeah.\n\nYep. Page number 26. Oh, is it is that a little bit better? I've just moved the headset up a little bit. Is that a little bit better at all?\n\nOh, I'm so sorry. I'll try to speak up a bit more. That's okay. Beautiful. All good.\n\nSo with your pay slip, we went through and had a really good look at your income and how that sort of works. And on the pay slip that you kinda showed us with your employer contributions, you're getting employer contributions not only on your base rate, but also on the penalties as well for the Sunday and through the week. So when we kind of went through and checked your income, you're currently based on that one pay slip. If you even over the course of the year, expected to get about $80,007.73. So your income is definitely higher than your base rate, which is good.\n\nWhat we're gonna do is there's no change to the strategy. We still wanna do the TTR. We're just sort of rejig to make sure that we were accounting for your contributions correctly. So at the moment, your income estimated is $80,007.07 3. Your current salary sacrifice for the year is 7,800.\n\nThat brings your taxable income down to $7.02 $9.07 3, and income tax income tax on that amount is estimated at 13,000 for the year. That basically means your take home pay currently is about 59,102. So what we're gonna do is open up that second account, which is that PTR pension account. We're going to move sorry. We're gonna move about 112,000 over and leave about three hun 369,095 sitting in the in the accumulation phase.\n\nWhat we're gonna do is we've got on the proposed side, your income is 80,000 to begin with. We're gonna increase your contributions up to 22,807. So we're gonna add on to the current salary sacrifice. So you're putting more into super, and it works out. You'll end up putting 22,807 into the super fund over the course of the year.\n\nThat then reduced your taxable income down to $57,009.09 6, and that reduced your tax on that to $8,009.39. So it's good it reduced your tax. But because it has reduced your taxable income and your after tax income down to 49,000, we need to replenish that. So we're then going to withdraw 10,080 on a yearly basis. We'll do it in increments.\n\nIt can be done fortnightly or weekly in line with your income. And when the team calls to get your bank details to do the application form, they'll also just confirm when you want those pension payments to begin, whether you want them the same day as your income or whether you want them to be, you know, the week the week outside of that. So you can just let us know what day you want those to occur. Yep. And fortnightly?\n\nYes. Yes. Absolutely. Yeah. No.\n\nNot a problem at all. So for the 10,080 that you'll be withdrawing out of the pension account for the year, it works out to be about $387.69 per fortnight. So you can sort of see how this works because you're putting more money into super. And in order to replenish your income, we'd have we cannot we can draw less out, which is good. And then once you've done that, you then have your take home payback at that 59,107.\n\nSo it's a little bit higher than what you currently get now, and it's it's kinda replenishing your income there. The good side of the strategy is that you're putting more into super, which benefits you over the longer term, and the advantage there as you reduce your income tax payable from your income, which is kind of cool. Okay? Yeah. Yeah.\n\nYeah. Yeah. Yeah. No. That's good.\n\nWell, the good part about this is because you're over 60, the amount that you're drawing out of that TCR pension account is tax free. So it does reduce how much income tax you're gonna have to pay. It does produce a bit more tax free income for you, and it replenishes your income nicely. And if you scroll down to page number 32 for me, you'll see a sense of the projected outcome. So once we've sort of implemented the strategy there, we've done the investment switch as well as we went through last time.\n\nWith the projected outcome in the next sort of six years, you can sort of estimate that you should have about 625,000 in super. So we can sort of see that grow pretty significantly over the next few years towards your retirement. Yeah. Beautiful. That's okay.\n\nWe will make sure that you have a beneficiary nomination applied as well. So when we open a new pension account, we'll send you a beneficiary nomination. Our team can help to prefill that if you need as well. It's just making sure that nomination is made out. So in the event of you passing your pension payments, your, you know, super and your pension are reflective and are paid to where you want them to go.\n\nAnd if you've got some time and wanna run back through the other side of the document, the first sort of sections is just retaining your current super fund and doing the investments, which as we went through last time. So there's no real change to any of that other strategy. It was just making sure we had your income fairly accurate. The benefit is you seem to take quite a bit of extra work and overtime when it's on office. So this is kind of looking at your base based on on the pay slip that we saw last time.\n\nWe'll make sure that we do catch up with you, and I do regular, you know, three monthly reviews just to make sure we're checking your contributions. If and when we feel like you might be exceeding the cap or too close to the cap, then we'll double check what catch up contributions you might have from previous years to make sure you're okay. Yeah. Yeah. I only had, like, one hour.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nAbsolutely. Yeah. Doing overtime just means you end up with more money. Yeah. Mhmm.\n\nAbsolutely. It kind of gives you the the base rate with what you were working at one pace. It kinda gives us the lowest expectation of what you should earn on a weekly or fortnightly basis. So then any additional overtime on top that only, you know, provides a benefit to you and put gives you more money at the end of the day. So yeah.\n\nAbsolutely. Yeah. Beautiful. So yeah. So once you're happy to go ahead with that one, we'll get you to sign and return the document back.\n\nOur team will then give you a call. They'll make sure they get your bank details. They'll do the app a the application form for you. We'll do the investment switch as well so that the investments are all switched. It takes about between one to sort of three weeks to complete the investment switch completely.\n\nSo the TTM might not take a little bit. Yep. Maybe we start that when it come when you come back to make it easy. The investment switch in the meantime. Yep.\n\nYep. Yep. Yep. Yeah. Absolutely.\n\nSo what we'll do is we'll start once you sign and return the documents back, I'll let the team know we'll do the investment switch first, and then I'll get them to touch base in about three to four weeks for you. And then they can you know, we're ready to do the TTR side of things, so they can get your bank details, get you to sign the doc then. That way, you can enjoy your holiday, and then we'll be ready to move on to the TTR side of things when you're back at work. Okay? Fantastic.\n\nExcellent. And if you find you have any questions in the meantime, let me know. Feel free to take some time to read you the document if you want to. I've reattached all the the product disclosure statements and things there as well for you. So that is all there and all good, and I'll void the last document that we sent out from last time.\n\nThis that way you're sort of all covered there. Okay? It's up to you. If you're comfortable signing and returning it back, you can. If you wanna that's fine.\n\nYeah. That's fine. Yeah. Absolutely. So if you're comfortable to do so, at the bottom of the document or if you see, it should be a little sign button.\n\nYou should either see next or if you can scroll down to the last page, it'll have a little signing section for you. All you do is click on that section. Yep. Yep. You should just click on the signature.\n\nYep. Yep. A pre a pre done up signature. Yep. You so you you can press sign or if you're comfortable using that signature.\n\nThat's absolutely fine. This is a prepopulated one. Yeah. Pretty close. That's okay.\n\nSign all the sections, and then you should see a little button that says date. Sometimes it wants you to press on that. Yep. Beautiful. Oh, is it?\n\nSo press it's the twenty eighth, but they've probably it's probably it goes back a little bit weird. So sometimes it uses yesterday's date, but that'll be honestly okay. Because it uses your IP address as your signature verification, so that won't be a problem. So you can either it's sometimes a bit funny for me. So sometimes it'll let you click on the date.\n\nIf it doesn't, press next, and it should go through and start to prepopulate the date for you. That's okay. Yep. Absolutely. That's okay.\n\nWhat's it doing now for you? Is there a button that says next or mhmm. Okay. Okay. So what it might have there now you'll have a little box that says multiline in it.\n\nYou can if you it's not meant to be mandatory. It's meant to be optional, but you might just need to put NA in that box where it says multiline or just put an n or something. The box that says multiline on the signing page above, you see this down. Yeah. That's okay.\n\nJust click on the box, and it should come up with a little yep. Not doing anything. Right. It's gen it is a lot easier on a computer if you're able to access the computer. Yeah.\n\nThat's okay. No. No. That's okay. Worst case, we can just go out and try again.\n\nYep. Yep. Just go back to the original email there, and we'll just go through again and give it another try. Could just be loading as well, taking a bit of time to think about it. Love technology when it wants to work.\n\nIs it letting you when you click on it, is it letting you put, like, an n or a letter or anything in there? Okay. That's okay. Sorry about that. Yep.\n\nPerfect. Oh, it's too hard to see. It's too little. Yep. Press the validate button.\n\nYep. No. That's okay. You're absolutely fine. I'm just one of those.\n\nWhen something doesn't work, I just start clicking all sorts of things and hoping that it'll start to work for me. Technology is not there. Yep. Not So is there anything at the bottom that says finish or completed, or is it just a finalization page? No.\n\nThat's okay. You can just escape. Nope. Perfect. Yep.\n\nPerfect. It's Julie, it's just come back saying it's all done. No. That's fine. Yep.\n\nIt's just come back to me and told me it's all signed and done. So that's you've done everything correctly. Easy. Yay. Thank you so much for that.\n\nDid you want me to download a copy of those and have them emailed through to you just so you can review them if you want to later on? That's okay. That's alright. If you ever decide to, you're always welcome to to ask for them, and we'll happily send them through. It's not a problem at all.\n\nBut, yeah, what we'll do is I'll get the team to download them. We'll start by just doing the investment switch for you. And then in about three weeks, we'll call and go through the the TTR side of things with you, okay, after you've had your holiday. Yeah. Beautiful.\n\nNot a problem at all. I hope you have a good day. Thank you so much for taking my call. Well, thank you so much. Yeah.\n\nOh, awesome. Yeah. No. That'll be good. My pleasure.\n\nYou enjoy your day. I'll talk to you soon. If there's any questions or anything that come at you, welcome to let me know. Okay? My pleasure.\n\nYou enjoy. Thank you so much, Julie. Talk to you soon. Thanks. See you later.","paragraphs":[{"sentences":[{"text":"Hi.","start":4.56,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.2120385766029358},{"text":"Good morning, Julie.","start":4.7999997,"end":5.68,"sentiment":"positive","sentiment_score":0.33505669236183167},{"text":"This is Dana from OG Financial.","start":5.68,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.22781184812386832},{"text":"How are you?","start":7.8399997,"end":8.74,"sentiment":"neutral","sentiment_score":0.19615035752455393},{"text":"I'm very well.","start":10.88,"end":11.92,"sentiment":"positive","sentiment_score":0.5527698000272115}],"sentiment":"neutral","sentiment_score":0.30192751344293356,"num_words":16,"start":4.56,"end":11.92},{"sentences":[{"text":"Thank you.","start":11.92,"end":12.32,"sentiment":"positive","sentiment_score":0.589478075504303},{"text":"How was your weekend?","start":12.32,"end":13.575,"sentiment":"neutral","sentiment_score":0.22041663900017738},{"text":"Yeah.","start":21.235,"end":21.735,"sentiment":"neutral","sentiment_score":-0.056598421186208725},{"text":"Oh, I'm so sorry.","start":24.035,"end":25.974998,"sentiment":"neutral","sentiment_score":-0.08457085397094488},{"text":"Yeah.","start":26.595,"end":27.095,"sentiment":"neutral","sentiment_score":-0.0017124423757195473}],"sentiment":"neutral","sentiment_score":0.13866903563030064,"num_words":12,"start":11.92,"end":27.095},{"sentences":[{"text":"Nice.","start":46.795,"end":47.295,"sentiment":"positive","sentiment_score":0.3783501386642456},{"text":"Nice.","start":47.355,"end":47.675,"sentiment":"neutral","sentiment_score":0.26973360776901245},{"text":"A bit of extra money there.","start":47.675,"end":49.135,"sentiment":"neutral","sentiment_score":0.024978173586229484},{"text":"Yeah.","start":57.77,"end":58.27,"sentiment":"neutral","sentiment_score":0.010405359789729118},{"text":"Oh, fantastic.","start":66.025,"end":66.765,"sentiment":"positive","sentiment_score":0.44116078317165375}],"sentiment":"neutral","sentiment_score":0.15369815582578833,"num_words":11,"start":46.795,"end":66.765},{"sentences":[{"text":"Oh, cool.","start":67.305,"end":67.784996,"sentiment":"neutral","sentiment_score":0.22461898624897003},{"text":"Well, I know you're about to go away and have to have a bit of a holiday there as well.","start":67.784996,"end":72.365,"sentiment":"neutral","sentiment_score":0.04645293215289712},{"text":"But I just had just had the updated advice document to send back through to you.","start":72.505,"end":77.884995,"sentiment":"neutral","sentiment_score":0.059077836107462645},{"text":"Do you have access to your emails?","start":78.024994,"end":79.625,"sentiment":"neutral","sentiment_score":0.017896458506584167},{"text":"Are Are you able to open that one up for me at the moment at all?","start":79.625,"end":83.450005,"sentiment":"neutral","sentiment_score":0.013029812253080308}],"sentiment":"neutral","sentiment_score":0.04356219998148621,"num_words":61,"start":67.305,"end":83.450005},{"sentences":[{"text":"That's okay.","start":85.03,"end":85.85,"sentiment":"neutral","sentiment_score":0.06748963706195354},{"text":"You're right.","start":85.91,"end":86.73,"sentiment":"neutral","sentiment_score":0.10000017657876015},{"text":"Just kinda went back and rejig that TTR strategy for you just with your income.","start":87.270004,"end":91.69,"sentiment":"neutral","sentiment_score":0.04366590393086275},{"text":"Beautiful.","start":93.51,"end":93.975,"sentiment":"neutral","sentiment_score":0.2961639165878296},{"text":"Beautiful.","start":94.055,"end":94.555,"sentiment":"neutral","sentiment_score":0.2526317536830902}],"sentiment":"neutral","sentiment_score":0.07327446935787088,"num_words":21,"start":85.03,"end":94.555},{"sentences":[{"text":"Yeah.","start":102.615,"end":103.115,"sentiment":"neutral","sentiment_score":0.006618204526603222},{"text":"So, yep, that's the one.","start":103.415,"end":105.895,"sentiment":"neutral","sentiment_score":0.009789033886045217},{"text":"And if you go down to page number 26, when it lets you open up that advice document there That's yeah.","start":105.895,"end":120.99,"sentiment":"neutral","sentiment_score":-0.0066978091684480505},{"text":"If you press that button, then it lets you go through and access the document.","start":120.99,"end":124.575,"sentiment":"neutral","sentiment_score":0.0456229050954183},{"text":"Yeah.","start":124.715004,"end":125.215004,"sentiment":"neutral","sentiment_score":0.05752747505903244}],"sentiment":"neutral","sentiment_score":0.015273963556040165,"num_words":43,"start":102.615,"end":125.215004},{"sentences":[{"text":"Yep.","start":127.995,"end":128.495,"sentiment":"neutral","sentiment_score":0.03487261012196541},{"text":"Page number 26.","start":130.155,"end":131.775,"sentiment":"neutral","sentiment_score":0.004075790910671155},{"text":"Oh, is it is that a little bit better?","start":136.875,"end":141.73999,"sentiment":"neutral","sentiment_score":-0.08082102942797872},{"text":"I've just moved the headset up a little bit.","start":141.73999,"end":143.5,"sentiment":"neutral","sentiment_score":-0.044257859182026654},{"text":"Is that a little bit better at all?","start":143.5,"end":145.36,"sentiment":"neutral","sentiment_score":0.016446229768916965}],"sentiment":"neutral","sentiment_score":-0.03156800588282446,"num_words":30,"start":127.995,"end":145.36},{"sentences":[{"text":"Oh, I'm so sorry.","start":147.34,"end":148.64,"sentiment":"neutral","sentiment_score":-0.12416561506688595},{"text":"I'll try to speak up a bit more.","start":148.7,"end":150.575,"sentiment":"neutral","sentiment_score":-0.10143451485782862},{"text":"That's okay.","start":155.75499,"end":161.775,"sentiment":"neutral","sentiment_score":0.036315073259174824},{"text":"Beautiful.","start":161.915,"end":162.415,"sentiment":"positive","sentiment_score":0.5268763899803162},{"text":"All good.","start":163.515,"end":163.915,"sentiment":"positive","sentiment_score":0.5412592440843582}],"sentiment":"neutral","sentiment_score":0.021993320325718203,"num_words":17,"start":147.34,"end":163.915},{"sentences":[{"text":"So with your pay slip, we went through and had a really good look at your income and how that sort of works.","start":163.915,"end":168.99,"sentiment":"neutral","sentiment_score":0.32016612783722254},{"text":"And on the pay slip that you kinda showed us with your employer contributions, you're getting employer contributions not only on your base rate, but also on the penalties as well for the Sunday and through the week.","start":168.99,"end":179.65001,"sentiment":"neutral","sentiment_score":0.1473196964514883},{"text":"So when we kind of went through and checked your income, you're currently based on that one pay slip.","start":180.425,"end":185.945,"sentiment":"neutral","sentiment_score":0.15728900620811864},{"text":"If you even over the course of the year, expected to get about $80,007.73.","start":185.945,"end":190.905,"sentiment":"neutral","sentiment_score":0.14148632543427603},{"text":"So your income is definitely higher than your base rate, which is good.","start":190.905,"end":194.765,"sentiment":"positive","sentiment_score":0.3830710764114673}],"sentiment":"neutral","sentiment_score":0.21412329974575578,"num_words":107,"start":163.915,"end":194.765},{"sentences":[{"text":"What we're gonna do is there's no change to the strategy.","start":196.21999,"end":199.5,"sentiment":"neutral","sentiment_score":0.08504316481676968},{"text":"We still wanna do the TTR.","start":199.5,"end":200.95999,"sentiment":"neutral","sentiment_score":0.14306862776478133},{"text":"We're just sort of rejig to make sure that we were accounting for your contributions correctly.","start":201.01999,"end":205.28,"sentiment":"neutral","sentiment_score":0.11545616807416081},{"text":"So at the moment, your income estimated is $80,007.07 3.","start":205.57999,"end":210.135,"sentiment":"neutral","sentiment_score":0.0768573198467493},{"text":"Your current salary sacrifice for the year is 7,800.","start":210.135,"end":213.915,"sentiment":"neutral","sentiment_score":0.020215653710895114}],"sentiment":"neutral","sentiment_score":0.08830191058894762,"num_words":52,"start":196.21999,"end":213.915},{"sentences":[{"text":"That brings your taxable income down to $7.02 $9.07 3, and income tax income tax on that amount is estimated at 13,000 for the year.","start":214.375,"end":224.075,"sentiment":"neutral","sentiment_score":0.03626812122762203},{"text":"That basically means your take home pay currently is about 59,102.","start":224.81999,"end":230.84,"sentiment":"neutral","sentiment_score":0.025248861956325443},{"text":"So what we're gonna do is open up that second account, which is that PTR pension account.","start":231.06,"end":235.72,"sentiment":"neutral","sentiment_score":0.0788305384271285},{"text":"We're going to move sorry.","start":236.01999,"end":238.34,"sentiment":"neutral","sentiment_score":0.04993284158408642},{"text":"We're gonna move about 112,000 over and leave about three hun 369,095 sitting in the in the accumulation phase.","start":238.34,"end":247.765,"sentiment":"neutral","sentiment_score":0.027155781801986068}],"sentiment":"neutral","sentiment_score":0.042729658800382896,"num_words":77,"start":214.375,"end":247.765},{"sentences":[{"text":"What we're gonna do is we've got on the proposed side, your income is 80,000 to begin with.","start":249.185,"end":253.75,"sentiment":"neutral","sentiment_score":0.1451581579943498},{"text":"We're gonna increase your contributions up to 22,807.","start":253.75,"end":259.19,"sentiment":"neutral","sentiment_score":0.16583273001015186},{"text":"So we're gonna add on to the current salary sacrifice.","start":259.19,"end":261.75,"sentiment":"neutral","sentiment_score":0.15645785480737687},{"text":"So you're putting more into super, and it works out.","start":261.75,"end":264.63,"sentiment":"neutral","sentiment_score":0.23485784232616425},{"text":"You'll end up putting 22,807 into the super fund over the course of the year.","start":264.63,"end":270.17502,"sentiment":"positive","sentiment_score":0.3994615654150645}],"sentiment":"neutral","sentiment_score":0.2269604776482113,"num_words":61,"start":249.185,"end":270.17502},{"sentences":[{"text":"That then reduced your taxable income down to $57,009.09 6, and that reduced your tax on that to $8,009.39.","start":270.475,"end":280.62,"sentiment":"positive","sentiment_score":0.3401203979002802},{"text":"So it's good it reduced your tax.","start":280.62,"end":282.4,"sentiment":"positive","sentiment_score":0.7192152057375226},{"text":"But because it has reduced your taxable income and your after tax income down to 49,000, we need to replenish that.","start":282.69998,"end":290.53998,"sentiment":"positive","sentiment_score":0.335506110673859},{"text":"So we're then going to withdraw 10,080 on a yearly basis.","start":290.53998,"end":294.44498,"sentiment":"neutral","sentiment_score":0.26872550357471814},{"text":"We'll do it in increments.","start":294.44498,"end":295.565,"sentiment":"neutral","sentiment_score":0.21313245892524718}],"sentiment":"positive","sentiment_score":0.3581597644185263,"num_words":63,"start":270.475,"end":295.565},{"sentences":[{"text":"It can be done fortnightly or weekly in line with your income.","start":295.565,"end":299.26498,"sentiment":"neutral","sentiment_score":0.20210895935694376},{"text":"And when the team calls to get your bank details to do the application form, they'll also just confirm when you want those pension payments to begin, whether you want them the same day as your income or whether you want them to be, you know, the week the week outside of that.","start":299.32498,"end":314.26,"sentiment":"neutral","sentiment_score":0.13524443824898522},{"text":"So you can just let us know what day you want those to occur.","start":314.26,"end":316.91998,"sentiment":"neutral","sentiment_score":0.12570556572505406},{"text":"Yep.","start":328.195,"end":328.695,"sentiment":"neutral","sentiment_score":0.052535902708768845},{"text":"And fortnightly?","start":329.795,"end":330.695,"sentiment":"neutral","sentiment_score":0.00507653207750991}],"sentiment":"neutral","sentiment_score":0.1392174344694401,"num_words":82,"start":295.565,"end":330.695},{"sentences":[{"text":"Yes.","start":334.83502,"end":335.19,"sentiment":"neutral","sentiment_score":0.027284778654575348},{"text":"Yes.","start":335.19,"end":335.69,"sentiment":"neutral","sentiment_score":0.06479845941066742},{"text":"Absolutely.","start":336.31,"end":336.81,"sentiment":"neutral","sentiment_score":0.18226489424705505},{"text":"Yeah.","start":337.43,"end":337.83002,"sentiment":"neutral","sentiment_score":0.1591518223285675},{"text":"No.","start":337.83002,"end":338.07,"sentiment":"neutral","sentiment_score":0.21464818716049192}],"sentiment":"neutral","sentiment_score":0.12962962836027145,"num_words":5,"start":334.83502,"end":338.07},{"sentences":[{"text":"Not a problem at all.","start":338.07,"end":339.45,"sentiment":"neutral","sentiment_score":0.3189473211765289},{"text":"So for the 10,080 that you'll be withdrawing out of the pension account for the year, it works out to be about $387.69 per fortnight.","start":339.83002,"end":349.625,"sentiment":"neutral","sentiment_score":0.2116891381641229},{"text":"So you can sort of see how this works because you're putting more money into super.","start":349.76498,"end":353.785,"sentiment":"positive","sentiment_score":0.45041694305837154},{"text":"And in order to replenish your income, we'd have we cannot we can draw less out, which is good.","start":354.00497,"end":359.305,"sentiment":"positive","sentiment_score":0.5329049809982902},{"text":"And then once you've done that, you then have your take home payback at that 59,107.","start":359.525,"end":365.68,"sentiment":"neutral","sentiment_score":0.273721513338387}],"sentiment":"positive","sentiment_score":0.35483357328921555,"num_words":81,"start":338.07,"end":365.68},{"sentences":[{"text":"So it's a little bit higher than what you currently get now, and it's it's kinda replenishing your income there.","start":365.68,"end":371.19998,"sentiment":"positive","sentiment_score":0.4426392391324043},{"text":"The good side of the strategy is that you're putting more into super, which benefits you over the longer term, and the advantage there as you reduce your income tax payable from your income, which is kind of cool.","start":371.19998,"end":382.83502,"sentiment":"positive","sentiment_score":0.7123974225459955},{"text":"Okay?","start":382.975,"end":383.475,"sentiment":"neutral","sentiment_score":0.29322850704193115},{"text":"Yeah.","start":387.215,"end":387.715,"sentiment":"neutral","sentiment_score":-0.07115963101387024},{"text":"Yeah.","start":395.71,"end":396.21,"sentiment":"neutral","sentiment_score":-0.07864764332771301}],"sentiment":"positive","sentiment_score":0.5932210563651977,"num_words":62,"start":365.68,"end":396.21},{"sentences":[{"text":"Yeah.","start":414.36502,"end":414.78,"sentiment":"neutral","sentiment_score":-0.07475098222494125},{"text":"Yeah.","start":421.18,"end":421.68,"sentiment":"neutral","sentiment_score":-0.05412793159484863},{"text":"Yeah.","start":424.22,"end":424.72,"sentiment":"neutral","sentiment_score":-0.03857143968343735},{"text":"No.","start":425.66,"end":425.98,"sentiment":"neutral","sentiment_score":-0.03396311774849892},{"text":"That's good.","start":425.98,"end":426.62,"sentiment":"neutral","sentiment_score":0.09953302145004272}],"sentiment":"neutral","sentiment_score":-0.00039123805860678124,"num_words":6,"start":414.36502,"end":426.62},{"sentences":[{"text":"Well, the good part about this is because you're over 60, the amount that you're drawing out of that TCR pension account is tax free.","start":426.62,"end":434.115,"sentiment":"positive","sentiment_score":0.3458248519897461},{"text":"So it does reduce how much income tax you're gonna have to pay.","start":434.255,"end":437.535,"sentiment":"positive","sentiment_score":0.48107102742561925},{"text":"It does produce a bit more tax free income for you, and it replenishes your income nicely.","start":437.535,"end":442.66998,"sentiment":"positive","sentiment_score":0.6148851461270276},{"text":"And if you scroll down to page number 32 for me, you'll see a sense of the projected outcome.","start":442.66998,"end":448.35,"sentiment":"neutral","sentiment_score":0.266438489681796},{"text":"So once we've sort of implemented the strategy there, we've done the investment switch as well as we went through last time.","start":448.35,"end":454.21,"sentiment":"neutral","sentiment_score":0.16381862624125046}],"sentiment":"positive","sentiment_score":0.35436388772601884,"num_words":96,"start":426.62,"end":454.21},{"sentences":[{"text":"With the projected outcome in the next sort of six years, you can sort of estimate that you should have about 625,000 in super.","start":454.925,"end":463.025,"sentiment":"neutral","sentiment_score":0.18218265287578106},{"text":"So we can sort of see that grow pretty significantly over the next few years towards your retirement.","start":463.32498,"end":469.96,"sentiment":"neutral","sentiment_score":0.2545018030537499},{"text":"Yeah.","start":470.5,"end":471.0,"sentiment":"positive","sentiment_score":0.4663718342781067},{"text":"Beautiful.","start":471.14,"end":471.64,"sentiment":"positive","sentiment_score":0.6698884963989258},{"text":"That's okay.","start":472.9,"end":473.8,"sentiment":"positive","sentiment_score":0.3678741753101349}],"sentiment":"neutral","sentiment_score":0.23533532185399014,"num_words":46,"start":454.925,"end":473.8},{"sentences":[{"text":"We will make sure that you have a beneficiary nomination applied as well.","start":474.42,"end":478.42,"sentiment":"neutral","sentiment_score":0.22173774242401123},{"text":"So when we open a new pension account, we'll send you a beneficiary nomination.","start":478.42,"end":481.96,"sentiment":"neutral","sentiment_score":0.16336176012243545},{"text":"Our team can help to prefill that if you need as 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other strategy.","start":506.05,"end":508.995,"sentiment":"neutral","sentiment_score":0.07006376643072475},{"text":"It was just making sure we had your income fairly accurate.","start":508.995,"end":512.055,"sentiment":"neutral","sentiment_score":0.16247251291166653},{"text":"The benefit is you seem to take quite a bit of extra work and overtime when it's on office.","start":512.355,"end":517.475,"sentiment":"neutral","sentiment_score":-0.021085943144403006},{"text":"So this is kind of looking at your base based on on the pay slip that we saw last time.","start":517.475,"end":522.55,"sentiment":"neutral","sentiment_score":0.07687275242060423}],"sentiment":"neutral","sentiment_score":0.08003152702188138,"num_words":101,"start":496.29,"end":522.55},{"sentences":[{"text":"We'll make sure that we do catch up with you, and I do regular, you know, three monthly reviews just to make sure we're checking your contributions.","start":522.55,"end":529.76996,"sentiment":"neutral","sentiment_score":0.08819268478287591},{"text":"If and when we feel like you might be exceeding the cap or too close to the cap, then we'll double check what catch up contributions you might have from previous years to make sure you're okay.","start":529.99,"end":539.45496,"sentiment":"neutral","sentiment_score":0.02398375441899171},{"text":"Yeah.","start":540.315,"end":540.815,"sentiment":"neutral","sentiment_score":0.03875231742858887},{"text":"Yeah.","start":546.71497,"end":547.21497,"sentiment":"neutral","sentiment_score":0.00022951047867536545},{"text":"I only had, like, one 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overtime just means you end up with more money.","start":595.79504,"end":598.215,"sentiment":"neutral","sentiment_score":-0.02351303305476904},{"text":"Yeah.","start":598.275,"end":598.775,"sentiment":"neutral","sentiment_score":0.002763396129012108},{"text":"Mhmm.","start":602.275,"end":602.775,"sentiment":"neutral","sentiment_score":-0.00696275569498539}],"sentiment":"neutral","sentiment_score":-0.00991955998220614,"num_words":14,"start":594.67505,"end":602.775},{"sentences":[{"text":"Absolutely.","start":615.865,"end":616.185,"sentiment":"positive","sentiment_score":0.33546581864356995},{"text":"It kind of gives you the the base rate with what you were working at one pace.","start":616.185,"end":620.10504,"sentiment":"neutral","sentiment_score":0.27274730012697335},{"text":"It kinda gives us the lowest expectation of what you should earn on a weekly or fortnightly basis.","start":620.10504,"end":625.245,"sentiment":"neutral","sentiment_score":0.21744917291733953},{"text":"So then any additional overtime on top that only, you know, provides a benefit to you and put gives you more money at the end of the day.","start":625.465,"end":632.12,"sentiment":"neutral","sentiment_score":0.269073201077325},{"text":"So yeah.","start":632.12,"end":632.6,"sentiment":"neutral","sentiment_score":0.15980034321546555}],"sentiment":"neutral","sentiment_score":0.25363492954409483,"num_words":66,"start":615.865,"end":632.6},{"sentences":[{"text":"Absolutely.","start":632.6,"end":633.1,"sentiment":"neutral","sentiment_score":0.31468644738197327},{"text":"Yeah.","start":634.51996,"end":635.01996,"sentiment":"neutral","sentiment_score":0.20482467114925385},{"text":"Beautiful.","start":635.63995,"end":636.13995,"sentiment":"positive","sentiment_score":0.5484864711761475},{"text":"So yeah.","start":638.36,"end":639.39996,"sentiment":"neutral","sentiment_score":0.05442710593342781},{"text":"So once you're happy to go ahead with that one, we'll get you to sign and return the document back.","start":639.39996,"end":643.635,"sentiment":"neutral","sentiment_score":0.1725492525845766}],"sentiment":"neutral","sentiment_score":0.1851134741306305,"num_words":25,"start":632.6,"end":643.635},{"sentences":[{"text":"Our team will then give you a call.","start":643.875,"end":645.655,"sentiment":"neutral","sentiment_score":0.06279983464628458},{"text":"They'll make sure they get your bank details.","start":646.115,"end":648.215,"sentiment":"neutral","sentiment_score":0.05639856867492199},{"text":"They'll do the app a the application form for you.","start":648.275,"end":651.155,"sentiment":"neutral","sentiment_score":0.06591075770556927},{"text":"We'll do the investment switch as well so that the investments are all switched.","start":651.155,"end":654.855,"sentiment":"neutral","sentiment_score":0.08337978752596038},{"text":"It takes about between one to sort of three weeks to complete the investment switch completely.","start":654.995,"end":659.74,"sentiment":"neutral","sentiment_score":0.06296518025919795}],"sentiment":"neutral","sentiment_score":0.06763311987742782,"num_words":56,"start":643.875,"end":659.74},{"sentences":[{"text":"So the TTM might not take a little bit.","start":659.8,"end":663.25995,"sentiment":"neutral","sentiment_score":0.0017328134013546838},{"text":"Yep.","start":667.07996,"end":667.57996,"sentiment":"neutral","sentiment_score":0.06780852377414703},{"text":"Maybe we start that when it come when you come back to make it easy.","start":668.83997,"end":672.005,"sentiment":"neutral","sentiment_score":0.08155997991561889},{"text":"The investment switch in the meantime.","start":672.065,"end":673.685,"sentiment":"neutral","sentiment_score":0.027824583152929943},{"text":"Yep.","start":692.0,"end":692.08,"sentiment":"neutral","sentiment_score":0.05773795768618584}],"sentiment":"neutral","sentiment_score":0.04785903124138713,"num_words":32,"start":659.8,"end":692.08},{"sentences":[{"text":"Yep.","start":692.08,"end":692.58,"sentiment":"neutral","sentiment_score":0.0741783082485199},{"text":"Yep.","start":705.935,"end":706.435,"sentiment":"neutral","sentiment_score":0.030459757894277573},{"text":"Yep.","start":711.23004,"end":711.39,"sentiment":"neutral","sentiment_score":0.1197810024023056},{"text":"Yeah.","start":711.39,"end":711.71,"sentiment":"neutral","sentiment_score":0.18943005800247192},{"text":"Absolutely.","start":711.71,"end":712.21,"sentiment":"neutral","sentiment_score":0.24194401502609253}],"sentiment":"neutral","sentiment_score":0.13115862831473352,"num_words":5,"start":692.08,"end":712.21},{"sentences":[{"text":"So what we'll do is we'll start once you sign and return the documents back, I'll let the team know we'll do the investment switch first, and then I'll get them to touch base in about three to four weeks for you.","start":712.27,"end":722.815,"sentiment":"neutral","sentiment_score":0.11608753956499554},{"text":"And then they can you know, we're ready to do the TTR side of things, so they can get your bank details, get you to sign the doc then.","start":722.815,"end":728.815,"sentiment":"neutral","sentiment_score":0.1869413940043285},{"text":"That way, you can enjoy your holiday, and then we'll be ready to move on to the TTR side of things when you're back at work.","start":728.815,"end":734.84,"sentiment":"neutral","sentiment_score":0.24971281020687178},{"text":"Okay?","start":734.9,"end":735.4,"sentiment":"neutral","sentiment_score":0.09402525424957275},{"text":"Fantastic.","start":736.98004,"end":737.48004,"sentiment":"positive","sentiment_score":0.7745752334594727}],"sentiment":"neutral","sentiment_score":0.1783647539489197,"num_words":99,"start":712.27,"end":737.48004},{"sentences":[{"text":"Excellent.","start":738.82,"end":739.32,"sentiment":"positive","sentiment_score":0.7363398671150208},{"text":"And if you find you have any questions in the meantime, let me know.","start":739.38,"end":742.18005,"sentiment":"neutral","sentiment_score":0.20756555827600615},{"text":"Feel free to take some time to read you the document if you want to.","start":742.18005,"end":745.16003,"sentiment":"neutral","sentiment_score":0.22473341623942059},{"text":"I've reattached all the the product disclosure statements and things there as well for you.","start":745.54004,"end":750.035,"sentiment":"positive","sentiment_score":0.45519334077835083},{"text":"So that is all there and all good, and I'll void the last document that we sent out from last time.","start":750.035,"end":756.535,"sentiment":"neutral","sentiment_score":0.23852452103580749}],"sentiment":"neutral","sentiment_score":0.28560869666663086,"num_words":66,"start":738.82,"end":756.535},{"sentences":[{"text":"This that way you're sort of all covered there.","start":757.07495,"end":759.57495,"sentiment":"neutral","sentiment_score":0.28033258186446297},{"text":"Okay?","start":763.39996,"end":763.89996,"sentiment":"neutral","sentiment_score":0.0816691592335701},{"text":"It's up to you.","start":764.68,"end":765.56,"sentiment":"neutral","sentiment_score":0.16489798948168755},{"text":"If you're comfortable signing and returning it back, you can.","start":765.56,"end":768.45996,"sentiment":"neutral","sentiment_score":0.13251713067293167},{"text":"If you wanna that's fine.","start":768.92,"end":771.74,"sentiment":"neutral","sentiment_score":0.06061960533261299}],"sentiment":"neutral","sentiment_score":0.1687077133563058,"num_words":29,"start":757.07495,"end":771.74},{"sentences":[{"text":"Yeah.","start":775.78503,"end":776.28503,"sentiment":"neutral","sentiment_score":0.0021375976502895355},{"text":"That's fine.","start":777.385,"end":778.445,"sentiment":"neutral","sentiment_score":0.058461580425500856},{"text":"Yeah.","start":779.945,"end":780.445,"sentiment":"neutral","sentiment_score":0.1266620010137558},{"text":"Absolutely.","start":780.745,"end":781.245,"sentiment":"neutral","sentiment_score":0.2122707366943359},{"text":"So if you're comfortable to do so, at the bottom of the document or if you see, it should be a little sign button.","start":781.625,"end":787.18,"sentiment":"neutral","sentiment_score":0.13169565424323082}],"sentiment":"neutral","sentiment_score":0.12478238613954906,"num_words":29,"start":775.78503,"end":787.18},{"sentences":[{"text":"You should either see next or if you can scroll down to the last page, it'll have a little signing section for you.","start":787.18,"end":793.42,"sentiment":"neutral","sentiment_score":0.10862212352778601},{"text":"All you do is click on that section.","start":793.42,"end":795.27997,"sentiment":"neutral","sentiment_score":0.07331092515960336},{"text":"Yep.","start":798.22,"end":798.72,"sentiment":"neutral","sentiment_score":0.0587010383605957},{"text":"Yep.","start":803.635,"end":804.135,"sentiment":"neutral","sentiment_score":0.044571466743946075},{"text":"You should just click on the signature.","start":804.275,"end":805.895,"sentiment":"neutral","sentiment_score":0.03401218966713974}],"sentiment":"neutral","sentiment_score":0.08565385187976063,"num_words":40,"start":787.18,"end":805.895},{"sentences":[{"text":"Yep.","start":807.955,"end":808.455,"sentiment":"neutral","sentiment_score":0.020415302366018295},{"text":"Yep.","start":814.195,"end":814.695,"sentiment":"neutral","sentiment_score":-0.024893339723348618},{"text":"A pre a pre done up signature.","start":815.235,"end":817.23,"sentiment":"neutral","sentiment_score":-0.0035979976611477987},{"text":"Yep.","start":817.69,"end":818.19,"sentiment":"neutral","sentiment_score":0.032910868525505066},{"text":"You so you you can press sign or if you're comfortable using that signature.","start":821.736,"end":833.40497,"sentiment":"neutral","sentiment_score":0.07821630792958396}],"sentiment":"neutral","sentiment_score":0.04576146493976315,"num_words":24,"start":807.955,"end":833.40497},{"sentences":[{"text":"That's absolutely fine.","start":833.40497,"end":834.445,"sentiment":"positive","sentiment_score":0.3588236967722575},{"text":"This is a prepopulated one.","start":834.445,"end":836.305,"sentiment":"neutral","sentiment_score":0.12019135281443596},{"text":"Yeah.","start":836.365,"end":836.865,"sentiment":"neutral","sentiment_score":0.1267033815383911},{"text":"Pretty close.","start":838.125,"end":838.865,"sentiment":"neutral","sentiment_score":0.12971363961696625},{"text":"That's okay.","start":841.885,"end":842.70496,"sentiment":"neutral","sentiment_score":0.18158666789531708}],"sentiment":"neutral","sentiment_score":0.1866716808424546,"num_words":13,"start":833.40497,"end":842.70496},{"sentences":[{"text":"Sign all the sections, and then you should see a little button that says date.","start":843.32996,"end":847.58997,"sentiment":"neutral","sentiment_score":0.06570396199822426},{"text":"Sometimes it wants you to press on that.","start":847.88995,"end":850.06995,"sentiment":"neutral","sentiment_score":0.004967113025486469},{"text":"Yep.","start":850.44995,"end":850.94995,"sentiment":"neutral","sentiment_score":0.03331366181373596},{"text":"Beautiful.","start":852.13,"end":852.63,"sentiment":"positive","sentiment_score":0.4591374397277832},{"text":"Oh, is it?","start":853.88995,"end":854.79,"sentiment":"neutral","sentiment_score":0.043191573272148766}],"sentiment":"neutral","sentiment_score":0.058832934126257896,"num_words":28,"start":843.32996,"end":854.79},{"sentences":[{"text":"So press it's the twenty eighth, but they've probably it's probably it goes back a little bit weird.","start":859.655,"end":868.615,"sentiment":"neutral","sentiment_score":-0.016980189985285204},{"text":"So sometimes it uses yesterday's date, but that'll be honestly okay.","start":868.615,"end":872.16,"sentiment":"neutral","sentiment_score":0.10961060429161246},{"text":"Because it uses your IP address as your signature verification, so that won't be a problem.","start":872.16,"end":877.06,"sentiment":"neutral","sentiment_score":0.21728124469518661},{"text":"So you can either it's sometimes a bit funny for me.","start":878.07996,"end":881.27997,"sentiment":"neutral","sentiment_score":0.10352909429506822},{"text":"So sometimes it'll let you click on the date.","start":881.27997,"end":883.2,"sentiment":"neutral","sentiment_score":0.08381028431985113}],"sentiment":"neutral","sentiment_score":0.09645670367261538,"num_words":65,"start":859.655,"end":883.2},{"sentences":[{"text":"If it doesn't, press next, and it should go through and start to prepopulate the date for you.","start":883.2,"end":890.835,"sentiment":"neutral","sentiment_score":0.07497035360170735},{"text":"That's okay.","start":891.775,"end":892.435,"sentiment":"neutral","sentiment_score":0.0823737159371376},{"text":"Yep.","start":897.775,"end":898.275,"sentiment":"neutral","sentiment_score":-0.0024692341685295105},{"text":"Absolutely.","start":898.73505,"end":899.23505,"sentiment":"neutral","sentiment_score":0.08015182614326477},{"text":"That's okay.","start":903.53503,"end":904.23,"sentiment":"neutral","sentiment_score":-0.009715629275888205}],"sentiment":"neutral","sentiment_score":0.0655193804219986,"num_words":24,"start":883.2,"end":904.23},{"sentences":[{"text":"What's it doing now for you?","start":904.23,"end":905.93,"sentiment":"neutral","sentiment_score":-0.035250299920638405},{"text":"Is there a button that says next or 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something.","start":944.94604,"end":953.10504,"sentiment":"neutral","sentiment_score":0.011775775208931279},{"text":"The box that says multiline on the signing page above, you see this down.","start":956.04504,"end":960.33,"sentiment":"neutral","sentiment_score":0.0182181835906314},{"text":"Yeah.","start":960.81,"end":961.31,"sentiment":"neutral","sentiment_score":0.02451332286000252},{"text":"That's okay.","start":967.69,"end":968.33,"sentiment":"neutral","sentiment_score":-0.03564256988465786}],"sentiment":"neutral","sentiment_score":0.00911081516770301,"num_words":54,"start":942.69,"end":968.33},{"sentences":[{"text":"Just click on the box, and it should come up with a little yep.","start":968.33,"end":973.71,"sentiment":"neutral","sentiment_score":-0.03898611292243004},{"text":"Not doing anything.","start":975.45,"end":976.71497,"sentiment":"neutral","sentiment_score":-0.2818309962749481},{"text":"Right.","start":981.015,"end":981.515,"sentiment":"neutral","sentiment_score":-0.04721958190202713},{"text":"It's gen it is a lot easier on a computer if you're able to access the computer.","start":985.175,"end":989.755,"sentiment":"neutral","sentiment_score":0.19687406269504742},{"text":"Yeah.","start":991.13,"end":991.63,"sentiment":"neutral","sentiment_score":-0.014788833446800709}],"sentiment":"neutral","sentiment_score":0.05259866890911427,"num_words":36,"start":968.33,"end":991.63},{"sentences":[{"text":"That's okay.","start":993.93,"end":994.82996,"sentiment":"neutral","sentiment_score":-0.0485183447599411},{"text":"No.","start":997.37,"end":997.52997,"sentiment":"neutral","sentiment_score":-0.1509169489145279},{"text":"No.","start":997.52997,"end":997.85,"sentiment":"neutral","sentiment_score":-0.16072824597358704},{"text":"That's okay.","start":997.85,"end":998.73,"sentiment":"neutral","sentiment_score":-0.12835396081209183},{"text":"Worst case, we can just go out and try again.","start":998.73,"end":1001.63,"sentiment":"neutral","sentiment_score":-0.20622629523277283}],"sentiment":"neutral","sentiment_score":-0.17047829739749432,"num_words":16,"start":993.93,"end":1001.63},{"sentences":[{"text":"Yep.","start":1006.40497,"end":1006.805,"sentiment":"neutral","sentiment_score":0.06396713107824326},{"text":"Yep.","start":1006.805,"end":1007.125,"sentiment":"neutral","sentiment_score":0.11050336062908173},{"text":"Just go back to the original email there, and we'll just go through again and give it another try.","start":1007.125,"end":1011.785,"sentiment":"neutral","sentiment_score":0.0796741902043945},{"text":"Could just be loading as well, taking a bit of time to think about it.","start":1013.285,"end":1016.90497,"sentiment":"neutral","sentiment_score":0.03371578529477119},{"text":"Love technology when it wants to work.","start":1020.08997,"end":1022.11,"sentiment":"neutral","sentiment_score":0.12394506271396365}],"sentiment":"neutral","sentiment_score":0.0712007517211659,"num_words":43,"start":1006.40497,"end":1022.11},{"sentences":[{"text":"Is it letting you when you click on it, is it letting you put, like, an n or a letter or anything in there?","start":1054.09,"end":1060.4249,"sentiment":"neutral","sentiment_score":-0.04629241884686053},{"text":"Okay.","start":1064.565,"end":1065.065,"sentiment":"neutral","sentiment_score":-0.16544699668884277},{"text":"That's okay.","start":1069.6849,"end":1070.34,"sentiment":"neutral","sentiment_score":0.004417664371430874},{"text":"Sorry about that.","start":1070.5,"end":1075.08,"sentiment":"neutral","sentiment_score":-0.22590863704681396},{"text":"Yep.","start":1084.02,"end":1084.4199,"sentiment":"neutral","sentiment_score":0.1419329047203064}],"sentiment":"neutral","sentiment_score":-0.058174926667444164,"num_words":31,"start":1054.09,"end":1084.4199},{"sentences":[{"text":"Perfect.","start":1084.4199,"end":1084.845,"sentiment":"positive","sentiment_score":0.35867011547088623},{"text":"Oh, it's too hard to see.","start":1087.405,"end":1089.325,"sentiment":"neutral","sentiment_score":-0.3129299730062485},{"text":"It's too little.","start":1089.325,"end":1090.225,"sentiment":"neutral","sentiment_score":-0.2218483736117681},{"text":"Yep.","start":1094.125,"end":1094.625,"sentiment":"neutral","sentiment_score":0.032518357038497925},{"text":"Press the validate button.","start":1094.9249,"end":1096.385,"sentiment":"neutral","sentiment_score":0.01012454996816814}],"sentiment":"neutral","sentiment_score":-0.1407625524327159,"num_words":15,"start":1084.4199,"end":1096.385},{"sentences":[{"text":"Yep.","start":1101.98,"end":1102.48,"sentiment":"neutral","sentiment_score":-0.012048955075442793},{"text":"No.","start":1102.62,"end":1102.78,"sentiment":"neutral","sentiment_score":-0.15363800525665283},{"text":"That's okay.","start":1102.78,"end":1103.52,"sentiment":"neutral","sentiment_score":-0.14748142659664154},{"text":"You're absolutely fine.","start":1104.22,"end":1105.6799,"sentiment":"neutral","sentiment_score":-0.18811177213986716},{"text":"I'm just one of those.","start":1106.14,"end":1107.02,"sentiment":"neutral","sentiment_score":-0.14830841720104218}],"sentiment":"neutral","sentiment_score":-0.1472106013291826,"num_words":12,"start":1101.98,"end":1107.02},{"sentences":[{"text":"When something doesn't work, I just start clicking all sorts of things and hoping that it'll start to work for me.","start":1107.02,"end":1111.5,"sentiment":"neutral","sentiment_score":-0.19853527205330984},{"text":"Technology is not there.","start":1111.5,"end":1113.095,"sentiment":"neutral","sentiment_score":-0.08621210046112537},{"text":"Yep.","start":1123.955,"end":1124.455,"sentiment":"neutral","sentiment_score":0.02621963433921337},{"text":"Not So is there anything at the bottom that says finish or completed, or is it just a finalization page?","start":1128.0349,"end":1133.85,"sentiment":"neutral","sentiment_score":-0.04119661534205079},{"text":"No.","start":1137.03,"end":1137.27,"sentiment":"neutral","sentiment_score":-0.04466871917247772}],"sentiment":"neutral","sentiment_score":-0.11396745758804869,"num_words":47,"start":1107.02,"end":1137.27},{"sentences":[{"text":"That's okay.","start":1137.27,"end":1137.83,"sentiment":"neutral","sentiment_score":-0.023186746053397655},{"text":"You can just escape.","start":1137.83,"end":1138.89,"sentiment":"neutral","sentiment_score":-0.035292483400553465},{"text":"Nope.","start":1141.75,"end":1142.25,"sentiment":"neutral","sentiment_score":-0.1374279111623764},{"text":"Perfect.","start":1143.43,"end":1143.885,"sentiment":"neutral","sentiment_score":0.20246338844299316},{"text":"Yep.","start":1151.885,"end":1152.385,"sentiment":"neutral","sentiment_score":0.04188382253050804}],"sentiment":"neutral","sentiment_score":-0.00895823621087604,"num_words":9,"start":1137.27,"end":1152.385},{"sentences":[{"text":"Perfect.","start":1160.02,"end":1160.52,"sentiment":"neutral","sentiment_score":0.28410202264785767},{"text":"It's Julie, it's just come back saying it's all done.","start":1160.66,"end":1163.64,"sentiment":"neutral","sentiment_score":0.05788384266197681},{"text":"No.","start":1166.82,"end":1167.22,"sentiment":"neutral","sentiment_score":-0.09021538496017456},{"text":"That's fine.","start":1167.22,"end":1168.12,"sentiment":"neutral","sentiment_score":0.030371714383363724},{"text":"Yep.","start":1168.5,"end":1168.82,"sentiment":"neutral","sentiment_score":0.03739340603351593}],"sentiment":"neutral","sentiment_score":0.05805745994051297,"num_words":15,"start":1160.02,"end":1168.82},{"sentences":[{"text":"It's just come back to me and told me it's all signed and done.","start":1168.82,"end":1171.62,"sentiment":"neutral","sentiment_score":0.31574095146996634},{"text":"So that's you've done everything correctly.","start":1171.62,"end":1173.435,"sentiment":"positive","sentiment_score":0.3414156536261241},{"text":"Easy.","start":1173.9951,"end":1174.4951,"sentiment":"positive","sentiment_score":0.5381587743759155},{"text":"Yay.","start":1175.3551,"end":1175.8551,"sentiment":"positive","sentiment_score":0.5442916750907898},{"text":"Thank you so much for that.","start":1176.795,"end":1178.2351,"sentiment":"positive","sentiment_score":0.7294622560342153}],"sentiment":"positive","sentiment_score":0.4260032581431525,"num_words":28,"start":1168.82,"end":1178.2351},{"sentences":[{"text":"Did you want me to download a copy of those and have them emailed through to you just so you can review them if you want to later on?","start":1178.2351,"end":1184.0951,"sentiment":"neutral","sentiment_score":0.2446855938640134},{"text":"That's okay.","start":1187.5951,"end":1188.3151,"sentiment":"neutral","sentiment_score":0.03139416011981666},{"text":"That's alright.","start":1188.3151,"end":1188.81,"sentiment":"neutral","sentiment_score":0.1695086732506752},{"text":"If you ever decide to, you're always welcome to to ask for them, and we'll happily send them through.","start":1189.05,"end":1193.93,"sentiment":"neutral","sentiment_score":0.15604299483330628},{"text":"It's not a problem at all.","start":1193.93,"end":1194.89,"sentiment":"neutral","sentiment_score":0.23388631641864777}],"sentiment":"neutral","sentiment_score":0.20458314981279446,"num_words":58,"start":1178.2351,"end":1194.89},{"sentences":[{"text":"But, yeah, what we'll do is I'll get the team to download them.","start":1194.89,"end":1197.93,"sentiment":"neutral","sentiment_score":0.14060363288109118},{"text":"We'll start by just doing the investment switch for you.","start":1197.93,"end":1200.5701,"sentiment":"neutral","sentiment_score":0.16146007627248765},{"text":"And then in about three weeks, we'll call and go through the the TTR side of things with you, okay, after you've had your holiday.","start":1200.5701,"end":1207.465,"sentiment":"neutral","sentiment_score":0.12210334062576295},{"text":"Yeah.","start":1207.685,"end":1208.185,"sentiment":"neutral","sentiment_score":0.103377103805542},{"text":"Beautiful.","start":1210.0851,"end":1210.5851,"sentiment":"positive","sentiment_score":0.5963175296783447}],"sentiment":"neutral","sentiment_score":0.14389452278614046,"num_words":50,"start":1194.89,"end":1210.5851},{"sentences":[{"text":"Not a problem at all.","start":1210.965,"end":1212.3251,"sentiment":"positive","sentiment_score":0.40715436935424804},{"text":"I hope you have a good day.","start":1212.3251,"end":1213.685,"sentiment":"positive","sentiment_score":0.4558814636298588},{"text":"Thank you so much for taking my call.","start":1213.685,"end":1215.54,"sentiment":"positive","sentiment_score":0.4310382679104805},{"text":"Well, thank you so much.","start":1221.78,"end":1223.64,"sentiment":"neutral","sentiment_score":0.2440885543823242},{"text":"Yeah.","start":1243.07,"end":1243.57,"sentiment":"neutral","sentiment_score":0.06136348098516464}],"sentiment":"positive","sentiment_score":0.3829636341677262,"num_words":26,"start":1210.965,"end":1243.57},{"sentences":[{"text":"Oh, awesome.","start":1254.19,"end":1255.01,"sentiment":"positive","sentiment_score":0.39542582631111145},{"text":"Yeah.","start":1255.55,"end":1256.05,"sentiment":"neutral","sentiment_score":0.1620585173368454},{"text":"No.","start":1256.59,"end":1256.83,"sentiment":"neutral","sentiment_score":0.04678846895694733},{"text":"That'll be good.","start":1256.83,"end":1257.675,"sentiment":"neutral","sentiment_score":0.12290283540884654},{"text":"My pleasure.","start":1261.1951,"end":1261.8351,"sentiment":"positive","sentiment_score":0.517901137471199}],"sentiment":"neutral","sentiment_score":0.26713438000943923,"num_words":9,"start":1254.19,"end":1261.8351},{"sentences":[{"text":"You enjoy your day.","start":1261.8351,"end":1262.9551,"sentiment":"positive","sentiment_score":0.5407381057739258},{"text":"I'll talk to you soon.","start":1262.9551,"end":1264.155,"sentiment":"neutral","sentiment_score":0.2929226040840149},{"text":"If there's any questions or anything that come at you, welcome to let me know.","start":1264.155,"end":1267.3551,"sentiment":"neutral","sentiment_score":0.281811086833477},{"text":"Okay?","start":1267.3551,"end":1267.8551,"sentiment":"neutral","sentiment_score":0.2395227551460266},{"text":"My pleasure.","start":1270.8289,"end":1271.3889,"sentiment":"positive","sentiment_score":0.8438226878643036}],"sentiment":"positive","sentiment_score":0.362292588033058,"num_words":27,"start":1261.8351,"end":1271.3889},{"sentences":[{"text":"You enjoy.","start":1271.3889,"end":1272.1089,"sentiment":"positive","sentiment_score":0.7859627902507782},{"text":"Thank you so much, Julie.","start":1272.1089,"end":1273.2289,"sentiment":"positive","sentiment_score":0.7975229144096374},{"text":"Talk to you soon.","start":1273.2289,"end":1274.2089,"sentiment":"positive","sentiment_score":0.4568353369832039},{"text":"Thanks.","start":1274.8289,"end":1275.2289,"sentiment":"positive","sentiment_score":0.6185932755470276},{"text":"See you later.","start":1275.2289,"end":1276.049,"sentiment":"neutral","sentiment_score":0.27249499907096225}],"sentiment":"positive","sentiment_score":0.5881973182161649,"num_words":15,"start":1271.3889,"end":1276.049}]}}]},{"alternatives":[{"transcript":"Good morning. Yeah. Good. How are you, Dana? I'm just trying to think. Oh, not yet. Okay. My mom, who's 95, ended up in hospital all Friday night, but she's okay. She's yeah. Yeah. No. But otherwise, she's okay. Yeah. Because she still lives on her own, but we're gonna and she's quite happy to go into the a nursing home because she's just a little bit, I think, lonely, but, you know, like, she's yeah. She's 95. So but yeah. But otherwise okay. I work Sunday. So yeah. So I didn't get much of a weekend because I just when mom come home Saturday morning, my because my brother and sister-in-law stayed with her at the hospital all night Friday night. So then I just stayed with her on Saturday, all day Saturday. So yeah. So yeah. But anyway, that's alright. Yeah. Yes. Okay. Let's have a look. Okay. Okay. Here we go. Okay. So go into show images. Okay. Alright. So okay. What do I have to do now? Just click on the anything? Wait a minute. So okay. So I've pressed on the that, but nothing's opening. Why not? Do I have to press maybe the sign document thing for it to open? Okay. Alright. So we're back to yep. Alright. So what page was it where you have to go to? 26. Okay. It's a little bit hard for me to hear you, but that's okay. I've got it on speaker, but it's just a little bit soft. That's all. Yeah. No. Not really. No. That's alright. Oh, god. What's that? 30. You've gone too far. 20 72526. Okay. Alright. Yes. Okay. Yep. Yes. Yep. Yes. Yep. Yeah. Well, we get paid no. Our pay normally goes in, like, a late, say, late Wednesday. So even the Thursday or the Friday of that week, fortnightly, yeah, would be just makes sense because I know that it's coming out, like, most things come out sort of on payday and stuff like that. But yeah. Yep. Yep. Yeah. Absolutely. Because I have I hate getting my tax done. Like like, just for forever, like, pretty much my jobs that I've had, like, I've not that I've I've only probably had, like, five jobs overall because I've sort of been there. You know? Like, I've always stayed till, like, you know, ten, eleven, twelve years, and and then a couple were all kinda, like, made redundant so, you know, I didn't have a choice. But yeah. Like and, like, our uniform ever since supply, like, so I really can't claim anything, and it just annoys me because I think getting nothing back. Like, it's it's just yeah. I mean, not that yeah. It's just I I I hate doing it because I either have to pay something small or I I don't get anything back, and it's like but anyway but yeah. Yes. Yep. No. That sounds really good. Yes. Yes. Thank you. Yep. Yep. Yep. Yep. Yep. Absolutely. Yes. Yeah. Yeah. That's right. And because that payslip that I showed you, that was, like, I think it might have only had, like, one day over time maybe or two bits. You know, like, back in the day you know? But but back in the day, like, when I started with post, it was through COVID. So we were just flat out. And, like, like, I think last week, I think I did I'm on the early shift. So, like, I was starting at 10:00 in the morning. I haven't got a message today what what if there's overtime today or not. But, you know, like, we're getting a couple of hours last week. I I think a couple of days, I've I think I started at 10:00 because it was two hours overtime. But so the one that I gave you was probably good in one way because it was only maybe that one hour overtime. So if worst case scenario, it is, like, no overtime, well, that's sort of what you can work off. And if I do overtime, well, it's, I I suppose, a bonus. But yeah. Yeah. Because, you know, like, I can't to some page, can you know, like, if I've done overtime every day and and stuff like that, you know, like, I can sort of bring home, like, $2.08, $3 sort of that fortnightly. But yeah. But otherwise yeah. It's yeah. You're better off going on that base, but they're pretty much the base rate. So yeah. Yes. Yes. Yes. Yeah. That's right. Yeah. Yeah. Yep. Okay. So what do we have to do now then? What do I have to do now? Yep. Yep. Yep. Yeah. That's alright. Well, like I said, like, we got we're heading away on Friday for a month. So, like yeah. So, like, we're back yeah. So, like, we're back. If you just we fly home from Darwin. So, like, anything from I think I'm actually yeah. So anything from Friday, August 28, we're home, I think, late late late on that Thursday night. So anything from that, I'm home, and I think I'm back to work on a Sunday. But, yeah, so maybe the end of next month would be yeah. Yeah. Because we're sorta gonna be here and there in the caravan and then up to Darwin and all that sort of stuff. So, yeah, that would be great if that's okay. Yep. Yep. Yep. Yes. Yes. Yes. Yes. Yes. Yes. Yes. Yes. Yep. Yep. Alright. So, Dana, so what do I do I have to do anything today then? I am. I'd rather do it while you're on the phone. I'd rather do it while because I've got you on the phone because like I said, I've only got my phone. Like, we only have our phone, so I'm just hoping that stuff works. You know what I mean? Yes. So it says please please sign below. So where it says it's got Julie Fenig and then it's got signature. So do I so I click onto that. Okay. So what's come up is kinda like a generic, you know, like it's got Julie Fenwick blah blah blah. So do I press so do I it says sign all or sign, and then it's got it's got me it's got three options. It says sign all, sign, or cancel. So do I just press sign all? Yes. That's fine. It's pretty much it it yeah. Alright. So I'll do that and see if that works. Okay. So next oh, date. Yes. Sorry. Date next to it. Got it. That's it's so small on my phone. I can't even see that. So do I how do I put the date in there? Oh, no. It's got what's the date today? Is the date the twenty seventh? Oh, that's just it. Okay. Yeah. Okay. Let me go. Yeah. Oh, like, I press on to the date part, but it's not really doing anything. So if I just press next and see what happens okay. Oh, god. Now what is happening? Okay. It's not nothing really. No. Not really anything. It's just sort of taking me back to that screen really. Like, it wants to me to sign or something maybe. I don't know. It's not really doing anything. It's just taking me well, I it is. Like, under my phone, it's saying next down there. So I'm pressing that, but it's just sort of taking me back up to that signing page. So in which box though, you're saying? Oh, yeah. It does. But how do I get how do I write in that? Like, how do I do that? It's not letting me because like I said, I've only got my phone. But yeah. I am. But it's still not really. It's not letting me it's just moving around. As I'm trying to, like, ride in it, my the screen's just moving around. Okay. I don't know. What else do we do? Yeah. I know. I know. I know. We don't have so I don't know what else to do. Okay. Okay. So completely go out or okay. Oh, probably not, though. Yeah. Look. And and I'm just I have no idea, honestly. That's why I don't know. Yeah. No. It's still not really joining anything. Like, I pressed that next, and it's just saying, please, like, in that multiline. It comes back up to that, but Yeah. I'm trying to, but not really. It's not letting me kinda do anything. Let me try again. Oh, hang on. If I hold on to it and if I write I am I'm actually typing n a. Like, it's right up in the top of the corner, but oh, god. And then now it's saying validate. So do I press that? Okay. Because I've actually here, I'm thinking I had to actually, like, use my finger, but I've just actually typed it in. Maybe I was supposed to do that. I don't know. Like I said oh, god. Yeah. I know, but I don't know. Okay. So you will get the signed document by email. It says download. There are other documents waiting for your signature, blah blah blah. Okay. So do I have to do anything else now? What do I do now? It says sign up for free. Oh, okay. Need to sign documents, and it's got not really. Just it's got the a tick. Yeah. And then you will get the signed document by email, and I can either download that. Otherwise, yeah, it's kinda just got sign sign request, statement of advice for Julie, blah blah blah, Fenech. So yeah. I mean, it has got a sign or a view little button, but yes. But it should be alright. Yay. Woo hoo. No. That's alright. I just yeah. No. That's fine. Yeah. Yep. Yep. Yep. Yep. Thanks, Diana. Thank you so much. No. Thank you. Thank you. No. And I hope you have a great rest of the week too. So yeah. Yeah. No. That's okay. So we have actually got some sunshine and blue sky down here. It was a chilly two degrees, but anyway, this morning, but that's alright. Oh, and first time, our new our new gym opened up last week. So I went back this morning and did a a 06:00 class. 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morning. Yeah. Good. How are you, Dana? I'm just trying to think.\n\nOh, not yet. Okay. My mom, who's 95, ended up in hospital all Friday night, but she's okay. She's yeah. Yeah.\n\nNo. But otherwise, she's okay. Yeah. Because she still lives on her own, but we're gonna and she's quite happy to go into the a nursing home because she's just a little bit, I think, lonely, but, you know, like, she's yeah. She's 95.\n\nSo but yeah. But otherwise okay. I work Sunday. So yeah. So I didn't get much of a weekend because I just when mom come home Saturday morning, my because my brother and sister-in-law stayed with her at the hospital all night Friday night.\n\nSo then I just stayed with her on Saturday, all day Saturday. So yeah. So yeah. But anyway, that's alright. Yeah.\n\nYes. Okay. Let's have a look. Okay. Okay.\n\nHere we go. Okay. So go into show images. Okay. Alright.\n\nSo okay. What do I have to do now? Just click on the anything? Wait a minute. So okay.\n\nSo I've pressed on the that, but nothing's opening. Why not? Do I have to press maybe the sign document thing for it to open? Okay. Alright.\n\nSo we're back to yep. Alright. So what page was it where you have to go to? 26. Okay.\n\nIt's a little bit hard for me to hear you, but that's okay. I've got it on speaker, but it's just a little bit soft. That's all. Yeah. No.\n\nNot really. No. That's alright. Oh, god. What's that?\n\n30. You've gone too far. 20 72526. Okay. Alright.\n\nYes. Okay. Yep. Yes. Yep.\n\nYes. Yep. Yeah. Well, we get paid no. Our pay normally goes in, like, a late, say, late Wednesday.\n\nSo even the Thursday or the Friday of that week, fortnightly, yeah, would be just makes sense because I know that it's coming out, like, most things come out sort of on payday and stuff like that. But yeah. Yep. Yep. Yeah.\n\nAbsolutely. Because I have I hate getting my tax done. Like like, just for forever, like, pretty much my jobs that I've had, like, I've not that I've I've only probably had, like, five jobs overall because I've sort of been there. You know? Like, I've always stayed till, like, you know, ten, eleven, twelve years, and and then a couple were all kinda, like, made redundant so, you know, I didn't have a choice.\n\nBut yeah. Like and, like, our uniform ever since supply, like, so I really can't claim anything, and it just annoys me because I think getting nothing back. Like, it's it's just yeah. I mean, not that yeah. It's just I I I hate doing it because I either have to pay something small or I I don't get anything back, and it's like but anyway but yeah.\n\nYes. Yep. No. That sounds really good. Yes.\n\nYes. Thank you. Yep. Yep. Yep.\n\nYep. Yep. Absolutely. Yes. Yeah.\n\nYeah. That's right. And because that payslip that I showed you, that was, like, I think it might have only had, like, one day over time maybe or two bits. You know, like, back in the day you know? But but back in the day, like, when I started with post, it was through COVID.\n\nSo we were just flat out. And, like, like, I think last week, I think I did I'm on the early shift. So, like, I was starting at 10:00 in the morning. I haven't got a message today what what if there's overtime today or not. But, you know, like, we're getting a couple of hours last week.\n\nI I think a couple of days, I've I think I started at 10:00 because it was two hours overtime. But so the one that I gave you was probably good in one way because it was only maybe that one hour overtime. So if worst case scenario, it is, like, no overtime, well, that's sort of what you can work off. And if I do overtime, well, it's, I I suppose, a bonus. But yeah.\n\nYeah. Because, you know, like, I can't to some page, can you know, like, if I've done overtime every day and and stuff like that, you know, like, I can sort of bring home, like, $2.08, $3 sort of that fortnightly. But yeah. But otherwise yeah. It's yeah.\n\nYou're better off going on that base, but they're pretty much the base rate. So yeah. Yes. Yes. Yes.\n\nYeah. That's right. Yeah. Yeah. Yep.\n\nOkay. So what do we have to do now then? What do I have to do now? Yep. Yep.\n\nYep. Yeah. That's alright. Well, like I said, like, we got we're heading away on Friday for a month. So, like yeah.\n\nSo, like, we're back yeah. So, like, we're back. If you just we fly home from Darwin. So, like, anything from I think I'm actually yeah. So anything from Friday, August 28, we're home, I think, late late late on that Thursday night.\n\nSo anything from that, I'm home, and I think I'm back to work on a Sunday. But, yeah, so maybe the end of next month would be yeah. Yeah. Because we're sorta gonna be here and there in the caravan and then up to Darwin and all that sort of stuff. So, yeah, that would be great if that's okay.\n\nYep. Yep. Yep. Yes. Yes.\n\nYes. Yes. Yes. Yes. Yes.\n\nYes. Yep. Yep. Alright. So, Dana, so what do I do I have to do anything today then?\n\nI am. I'd rather do it while you're on the phone. I'd rather do it while because I've got you on the phone because like I said, I've only got my phone. Like, we only have our phone, so I'm just hoping that stuff works. You know what I mean?\n\nYes. So it says please please sign below. So where it says it's got Julie Fenig and then it's got signature. So do I so I click onto that. Okay.\n\nSo what's come up is kinda like a generic, you know, like it's got Julie Fenwick blah blah blah. So do I press so do I it says sign all or sign, and then it's got it's got me it's got three options. It says sign all, sign, or cancel. So do I just press sign all? Yes.\n\nThat's fine. It's pretty much it it yeah. Alright. So I'll do that and see if that works. Okay.\n\nSo next oh, date. Yes. Sorry. Date next to it. Got it.\n\nThat's it's so small on my phone. I can't even see that. So do I how do I put the date in there? Oh, no. It's got what's the date today?\n\nIs the date the twenty seventh? Oh, that's just it. Okay. Yeah. Okay.\n\nLet me go. Yeah. Oh, like, I press on to the date part, but it's not really doing anything. So if I just press next and see what happens okay. Oh, god.\n\nNow what is happening? Okay. It's not nothing really. No. Not really anything.\n\nIt's just sort of taking me back to that screen really. Like, it wants to me to sign or something maybe. I don't know. It's not really doing anything. It's just taking me well, I it is.\n\nLike, under my phone, it's saying next down there. So I'm pressing that, but it's just sort of taking me back up to that signing page. So in which box though, you're saying? Oh, yeah. It does.\n\nBut how do I get how do I write in that? Like, how do I do that? It's not letting me because like I said, I've only got my phone. But yeah. I am.\n\nBut it's still not really. It's not letting me it's just moving around. As I'm trying to, like, ride in it, my the screen's just moving around. Okay. I don't know.\n\nWhat else do we do? Yeah. I know. I know. I know.\n\nWe don't have so I don't know what else to do. Okay. Okay. So completely go out or okay. Oh, probably not, though.\n\nYeah. Look. And and I'm just I have no idea, honestly. That's why I don't know. Yeah.\n\nNo. It's still not really joining anything. Like, I pressed that next, and it's just saying, please, like, in that multiline. It comes back up to that, but Yeah. I'm trying to, but not really.\n\nIt's not letting me kinda do anything. Let me try again. Oh, hang on. If I hold on to it and if I write I am I'm actually typing n a. Like, it's right up in the top of the corner, but oh, god.\n\nAnd then now it's saying validate. So do I press that? Okay. Because I've actually here, I'm thinking I had to actually, like, use my finger, but I've just actually typed it in. Maybe I was supposed to do that.\n\nI don't know. Like I said oh, god. Yeah. I know, but I don't know. Okay.\n\nSo you will get the signed document by email. It says download. There are other documents waiting for your signature, blah blah blah. Okay. So do I have to do anything else now?\n\nWhat do I do now? It says sign up for free. Oh, okay. Need to sign documents, and it's got not really. Just it's got the a tick.\n\nYeah. And then you will get the signed document by email, and I can either download that. Otherwise, yeah, it's kinda just got sign sign request, statement of advice for Julie, blah blah blah, Fenech. So yeah. I mean, it has got a sign or a view little button, but yes.\n\nBut it should be alright. Yay. Woo hoo. No. That's alright.\n\nI just yeah. No. That's fine. Yeah. Yep.\n\nYep. Yep. Yep. Thanks, Diana. Thank you so much.\n\nNo. Thank you. Thank you. No. And I hope you have a great rest of the week too.\n\nSo yeah. Yeah. No. That's okay. So we have actually got some sunshine and blue sky down here.\n\nIt was a chilly two degrees, but anyway, this morning, but that's alright. Oh, and first time, our new our new gym opened up last week. So I went back this morning and did a a 06:00 class. So it was actually good because I haven't done anything for, like, fifteen months since our old gym closed. So it was actually good to go back and get do a class and, yeah, start to feel normal again.\n\nSo so it's good. Yeah. Yeah. So yeah. Alright, Dana.\n\nThank you so much. Love you. No worries. Thank you so much for that. Okay.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":0.48,"end":1.14,"sentiment":"neutral","sentiment_score":0.21968117356300354},{"text":"Yeah.","start":9.12,"end":9.36,"sentiment":"neutral","sentiment_score":0.21692579984664917},{"text":"Good.","start":9.36,"end":9.599999,"sentiment":"positive","sentiment_score":0.4433046877384186},{"text":"How are you, Dana?","start":9.599999,"end":10.58,"sentiment":"positive","sentiment_score":0.34896961599588394},{"text":"I'm just trying to think.","start":16.025,"end":17.225,"sentiment":"neutral","sentiment_score":-0.026153051108121873}],"sentiment":"neutral","sentiment_score":0.1819004648580001,"num_words":13,"start":0.48,"end":17.225},{"sentences":[{"text":"Oh, not yet.","start":17.225,"end":18.345,"sentiment":"neutral","sentiment_score":-0.06102287148435911},{"text":"Okay.","start":18.345,"end":18.845,"sentiment":"neutral","sentiment_score":-0.03483894467353821},{"text":"My mom, who's 95, ended up in hospital all Friday night, but she's okay.","start":18.985,"end":24.445,"sentiment":"neutral","sentiment_score":-0.08601131503071104},{"text":"She's yeah.","start":24.505,"end":26.044998,"sentiment":"neutral","sentiment_score":-0.056062813848257065},{"text":"Yeah.","start":26.825,"end":27.064999,"sentiment":"neutral","sentiment_score":0.0000960174947977066}],"sentiment":"neutral","sentiment_score":-0.07305217046468031,"num_words":21,"start":17.225,"end":27.064999},{"sentences":[{"text":"No.","start":27.064999,"end":27.305,"sentiment":"neutral","sentiment_score":-0.026284927502274513},{"text":"But otherwise, she's okay.","start":27.305,"end":28.57,"sentiment":"neutral","sentiment_score":0.02750182431191206},{"text":"Yeah.","start":28.57,"end":28.81,"sentiment":"neutral","sentiment_score":0.055361196398735046},{"text":"Because she still lives on her own, but we're gonna and she's quite happy to go into the a nursing home because she's just a little bit, I think, lonely, but, you know, like, she's yeah.","start":28.81,"end":39.53,"sentiment":"neutral","sentiment_score":0.09159072602374686},{"text":"She's 95.","start":39.53,"end":40.65,"sentiment":"neutral","sentiment_score":0.00135745108127594}],"sentiment":"neutral","sentiment_score":0.07816055920821699,"num_words":44,"start":27.064999,"end":40.65},{"sentences":[{"text":"So but yeah.","start":40.65,"end":42.605,"sentiment":"neutral","sentiment_score":0.006589960617323716},{"text":"But otherwise okay.","start":42.605,"end":44.845,"sentiment":"neutral","sentiment_score":0.048928359523415565},{"text":"I work Sunday.","start":44.845,"end":45.905,"sentiment":"neutral","sentiment_score":0.09699481725692749},{"text":"So yeah.","start":48.045002,"end":48.605,"sentiment":"neutral","sentiment_score":0.01843227120116353},{"text":"So I didn't get much of a weekend because I just when mom come home Saturday morning, my because my brother and sister-in-law stayed with her at the hospital all night Friday night.","start":48.605,"end":57.27,"sentiment":"neutral","sentiment_score":-0.043839895984891686}],"sentiment":"neutral","sentiment_score":-0.021643468475138598,"num_words":44,"start":40.65,"end":57.27},{"sentences":[{"text":"So then I just stayed with her on Saturday, all day Saturday.","start":57.83,"end":61.05,"sentiment":"neutral","sentiment_score":0.0408685551956296},{"text":"So yeah.","start":61.11,"end":61.91,"sentiment":"neutral","sentiment_score":0.028156460262835026},{"text":"So yeah.","start":61.91,"end":63.91,"sentiment":"neutral","sentiment_score":0.021673704497516155},{"text":"But anyway, that's alright.","start":63.91,"end":65.21,"sentiment":"neutral","sentiment_score":0.0476792398840189},{"text":"Yeah.","start":66.31,"end":66.81,"sentiment":"neutral","sentiment_score":0.2012485563755035}],"sentiment":"neutral","sentiment_score":0.0467642146561827,"num_words":21,"start":57.83,"end":66.81},{"sentences":[{"text":"Yes.","start":72.71,"end":73.21,"sentiment":"neutral","sentiment_score":0.044927168637514114},{"text":"Okay.","start":83.134995,"end":83.615,"sentiment":"neutral","sentiment_score":0.018576763570308685},{"text":"Let's have a look.","start":83.615,"end":84.674995,"sentiment":"neutral","sentiment_score":0.01774136465974152},{"text":"Okay.","start":92.79,"end":93.29,"sentiment":"neutral","sentiment_score":0.07673242688179016},{"text":"Okay.","start":93.35,"end":93.75,"sentiment":"neutral","sentiment_score":0.1240769699215889}],"sentiment":"neutral","sentiment_score":0.04190984845627099,"num_words":8,"start":72.71,"end":93.75},{"sentences":[{"text":"Here we go.","start":93.75,"end":94.549995,"sentiment":"neutral","sentiment_score":0.16561725238958994},{"text":"Okay.","start":94.549995,"end":95.049995,"sentiment":"neutral","sentiment_score":0.040364235639572144},{"text":"So go into show images.","start":95.35,"end":99.53,"sentiment":"neutral","sentiment_score":0.0216595821082592},{"text":"Okay.","start":100.655,"end":101.055,"sentiment":"neutral","sentiment_score":0.020437482744455338},{"text":"Alright.","start":101.055,"end":101.455,"sentiment":"neutral","sentiment_score":0.026965390890836716}],"sentiment":"neutral","sentiment_score":0.06299243427135727,"num_words":11,"start":93.75,"end":101.455},{"sentences":[{"text":"So okay.","start":101.455,"end":102.015,"sentiment":"neutral","sentiment_score":0.01992120873183012},{"text":"What do I have to do now?","start":102.015,"end":103.135,"sentiment":"neutral","sentiment_score":0.007080636253314359},{"text":"Just click on the anything?","start":103.135,"end":104.515,"sentiment":"neutral","sentiment_score":0.00853284914046526},{"text":"Wait a minute.","start":111.455,"end":112.175,"sentiment":"neutral","sentiment_score":0.001797071968515714},{"text":"So okay.","start":112.175,"end":112.975,"sentiment":"neutral","sentiment_score":0.007908898871392012}],"sentiment":"neutral","sentiment_score":0.008067375294079906,"num_words":19,"start":101.455,"end":112.975},{"sentences":[{"text":"So I've pressed on the that, but nothing's opening.","start":112.975,"end":115.395004,"sentiment":"neutral","sentiment_score":-0.03215230401191446},{"text":"Why not?","start":115.455,"end":116.07,"sentiment":"neutral","sentiment_score":-0.20822898298501968},{"text":"Do I have to press maybe the sign document thing for it to open?","start":116.55,"end":120.49,"sentiment":"neutral","sentiment_score":-0.008157769118302636},{"text":"Okay.","start":125.43,"end":125.83,"sentiment":"neutral","sentiment_score":0.07108503580093384},{"text":"Alright.","start":125.83,"end":126.15,"sentiment":"neutral","sentiment_score":0.11690305173397064}],"sentiment":"neutral","sentiment_score":-0.023409236377726,"num_words":27,"start":112.975,"end":126.15},{"sentences":[{"text":"So we're back to yep.","start":126.15,"end":127.19,"sentiment":"neutral","sentiment_score":0.12680192440748214},{"text":"Alright.","start":127.19,"end":127.51,"sentiment":"neutral","sentiment_score":0.08114957064390182},{"text":"So what page was it where you have to go to?","start":127.51,"end":129.735,"sentiment":"neutral","sentiment_score":0.024827749976380306},{"text":"26.","start":132.455,"end":133.255,"sentiment":"neutral","sentiment_score":0.005576463881880045},{"text":"Okay.","start":133.255,"end":133.755,"sentiment":"neutral","sentiment_score":0.006585822440683842}],"sentiment":"neutral","sentiment_score":0.052654038354950514,"num_words":19,"start":126.15,"end":133.755},{"sentences":[{"text":"It's a little bit hard for me to hear you, but that's okay.","start":133.975,"end":137.015,"sentiment":"neutral","sentiment_score":-0.26843462253992373},{"text":"I've got it on speaker, but it's just a little bit soft.","start":137.015,"end":139.575,"sentiment":"neutral","sentiment_score":-0.11368870704124372},{"text":"That's all.","start":139.575,"end":140.395,"sentiment":"neutral","sentiment_score":-0.06435875222086906},{"text":"Yeah.","start":143.895,"end":144.395,"sentiment":"neutral","sentiment_score":0.02988669276237488},{"text":"No.","start":145.65999,"end":145.98,"sentiment":"neutral","sentiment_score":-0.184067040681839}],"sentiment":"neutral","sentiment_score":-0.1771314630991426,"num_words":29,"start":133.975,"end":145.98},{"sentences":[{"text":"Not really.","start":145.98,"end":146.71999,"sentiment":"neutral","sentiment_score":-0.19225207716226578},{"text":"No.","start":149.18,"end":149.42,"sentiment":"neutral","sentiment_score":-0.16139255464076996},{"text":"That's alright.","start":149.42,"end":150.23999,"sentiment":"neutral","sentiment_score":-0.13948063552379608},{"text":"Oh, god.","start":152.37999,"end":152.78,"sentiment":"neutral","sentiment_score":-0.05660348758101463},{"text":"What's that?","start":152.78,"end":153.51999,"sentiment":"neutral","sentiment_score":-0.04866955056786537}],"sentiment":"neutral","sentiment_score":-0.11504489514562818,"num_words":9,"start":145.98,"end":153.51999},{"sentences":[{"text":"30.","start":153.73999,"end":153.98,"sentiment":"neutral","sentiment_score":-0.03591019660234451},{"text":"You've gone too far.","start":153.98,"end":155.35999,"sentiment":"neutral","sentiment_score":-0.11431886628270149},{"text":"20 72526.","start":155.5,"end":160.745,"sentiment":"neutral","sentiment_score":-0.008264265256002545},{"text":"Okay.","start":160.745,"end":161.245,"sentiment":"neutral","sentiment_score":0.05749691650271416},{"text":"Alright.","start":161.305,"end":161.78499,"sentiment":"neutral","sentiment_score":0.17151573300361633}],"sentiment":"neutral","sentiment_score":-0.031189060304313898,"num_words":9,"start":153.73999,"end":161.78499},{"sentences":[{"text":"Yes.","start":161.78499,"end":162.265,"sentiment":"neutral","sentiment_score":0.28238391876220703},{"text":"Okay.","start":162.265,"end":162.765,"sentiment":"positive","sentiment_score":0.4223570227622986},{"text":"Yep.","start":163.78499,"end":164.28499,"sentiment":"neutral","sentiment_score":0.2419450581073761},{"text":"Yes.","start":195.315,"end":195.81,"sentiment":"neutral","sentiment_score":0.19325560331344604},{"text":"Yep.","start":236.25499,"end":236.75499,"sentiment":"neutral","sentiment_score":0.10539324581623076}],"sentiment":"neutral","sentiment_score":0.2490669697523117,"num_words":5,"start":161.78499,"end":236.75499},{"sentences":[{"text":"Yes.","start":248.56,"end":249.06,"sentiment":"neutral","sentiment_score":0.14454400539398193},{"text":"Yep.","start":264.175,"end":264.675,"sentiment":"neutral","sentiment_score":0.2516545057296753},{"text":"Yeah.","start":317.265,"end":317.665,"sentiment":"neutral","sentiment_score":0.04971696063876152},{"text":"Well, we get paid no.","start":317.665,"end":319.185,"sentiment":"neutral","sentiment_score":0.007118251174688339},{"text":"Our pay normally goes in, like, a late, say, late Wednesday.","start":319.185,"end":322.64502,"sentiment":"neutral","sentiment_score":0.0039052233438600192}],"sentiment":"neutral","sentiment_score":0.027603378127280035,"num_words":19,"start":248.56,"end":322.64502},{"sentences":[{"text":"So even the Thursday or the Friday of that week, fortnightly, yeah, would be just makes sense because I know that it's coming out, like, most things come out sort of on payday and stuff like that.","start":322.865,"end":335.38,"sentiment":"neutral","sentiment_score":0.010678505625676465},{"text":"But yeah.","start":335.38,"end":336.37,"sentiment":"neutral","sentiment_score":0.08809260278940201},{"text":"Yep.","start":359.88998,"end":360.38998,"sentiment":"neutral","sentiment_score":0.31187692284584045},{"text":"Yep.","start":368.825,"end":369.325,"sentiment":"positive","sentiment_score":0.4290197789669037},{"text":"Yeah.","start":383.48,"end":383.8,"sentiment":"neutral","sentiment_score":0.27777743339538574}],"sentiment":"neutral","sentiment_score":0.0378562868794515,"num_words":42,"start":322.865,"end":383.8},{"sentences":[{"text":"Absolutely.","start":383.8,"end":384.3,"sentiment":"neutral","sentiment_score":0.2155422568321228},{"text":"Because I have I hate getting my tax done.","start":384.44,"end":386.6,"sentiment":"neutral","sentiment_score":-0.12408777616090244},{"text":"Like like, just for forever, like, pretty much my jobs that I've had, like, I've not that I've I've only probably had, like, five jobs overall because I've sort of been there.","start":386.6,"end":396.415,"sentiment":"neutral","sentiment_score":-0.053920935199130327},{"text":"You know?","start":396.415,"end":396.815,"sentiment":"neutral","sentiment_score":-0.06263244338333607},{"text":"Like, I've always stayed till, like, you know, ten, eleven, twelve years, and and then a couple were all kinda, like, made redundant so, you know, I didn't have a choice.","start":396.815,"end":404.415,"sentiment":"neutral","sentiment_score":-0.09266447119655148}],"sentiment":"neutral","sentiment_score":-0.0749944153179725,"num_words":75,"start":383.8,"end":404.415},{"sentences":[{"text":"But yeah.","start":404.415,"end":406.015,"sentiment":"neutral","sentiment_score":-0.09615391492843628},{"text":"Like and, like, our uniform ever since supply, like, so I really can't claim anything, and it just annoys me because I think getting nothing back.","start":406.015,"end":412.94,"sentiment":"neutral","sentiment_score":-0.24284367836438692},{"text":"Like, it's it's just yeah.","start":412.94,"end":414.7,"sentiment":"neutral","sentiment_score":-0.11501473486423493},{"text":"I mean, not that yeah.","start":414.7,"end":415.58,"sentiment":"neutral","sentiment_score":-0.090887650847435},{"text":"It's just I I I hate doing it because I either have to pay something small or I I don't get anything back, and it's like but anyway but yeah.","start":415.58,"end":432.435,"sentiment":"neutral","sentiment_score":-0.09240265265107155}],"sentiment":"neutral","sentiment_score":-0.15158580846207984,"num_words":68,"start":404.415,"end":432.435},{"sentences":[{"text":"Yes.","start":440.9,"end":441.4,"sentiment":"positive","sentiment_score":0.6728781461715698},{"text":"Yep.","start":468.77,"end":469.09,"sentiment":"neutral","sentiment_score":0.16617991030216217},{"text":"No.","start":469.09,"end":469.40997,"sentiment":"neutral","sentiment_score":0.18026043474674225},{"text":"That sounds really good.","start":469.40997,"end":470.78998,"sentiment":"positive","sentiment_score":0.5665106773376465},{"text":"Yes.","start":470.84998,"end":471.34998,"sentiment":"positive","sentiment_score":0.5337730050086975}],"sentiment":"positive","sentiment_score":0.4773917756974697,"num_words":8,"start":440.9,"end":471.34998},{"sentences":[{"text":"Yes.","start":471.40997,"end":471.81,"sentiment":"positive","sentiment_score":0.4848515391349793},{"text":"Thank 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right.","start":538.98505,"end":539.54504,"sentiment":"neutral","sentiment_score":0.13294512033462524},{"text":"And because that payslip that I showed you, that was, like, I think it might have only had, like, one day over time maybe or two bits.","start":539.54504,"end":547.88,"sentiment":"neutral","sentiment_score":0.018177854518095653},{"text":"You know, like, back in the day you know?","start":547.88,"end":550.44,"sentiment":"neutral","sentiment_score":-0.003471017504731814},{"text":"But but back in the day, like, when I started with post, it was through COVID.","start":550.44,"end":554.76,"sentiment":"neutral","sentiment_score":-0.06218668050132692}],"sentiment":"neutral","sentiment_score":-0.0036254054104739968,"num_words":55,"start":538.66504,"end":554.76},{"sentences":[{"text":"So we were just flat out.","start":554.76,"end":557.085,"sentiment":"neutral","sentiment_score":-0.23247991502285004},{"text":"And, like, like, I think last week, I think I did I'm on the early 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maybe that one hour overtime.","start":577.31,"end":583.87,"sentiment":"neutral","sentiment_score":0.04976027993404347},{"text":"So if worst case scenario, it is, like, no overtime, well, that's sort of what you can work off.","start":583.87,"end":589.855,"sentiment":"neutral","sentiment_score":-0.04074122835146753},{"text":"And if I do overtime, well, it's, I I suppose, a bonus.","start":589.855,"end":593.935,"sentiment":"neutral","sentiment_score":0.07244978193193674},{"text":"But yeah.","start":593.935,"end":596.01495,"sentiment":"neutral","sentiment_score":0.035620711743831635}],"sentiment":"neutral","sentiment_score":0.013850714852053084,"num_words":76,"start":572.99,"end":596.01495},{"sentences":[{"text":"Yeah.","start":596.01495,"end":596.33496,"sentiment":"neutral","sentiment_score":0.008245518431067467},{"text":"Because, you know, like, I can't to some page, can you know, like, if I've done overtime every day and and stuff like that, you know, like, I can sort of bring home, like, $2.08, $3 sort of that fortnightly.","start":596.33496,"end":607.45,"sentiment":"neutral","sentiment_score":-0.011727456725202501},{"text":"But yeah.","start":609.27,"end":609.83,"sentiment":"neutral","sentiment_score":-0.009212038479745388},{"text":"But otherwise yeah.","start":609.83,"end":610.95,"sentiment":"neutral","sentiment_score":-0.008616045117378235},{"text":"It's yeah.","start":610.95,"end":611.51,"sentiment":"neutral","sentiment_score":0.020662586204707623}],"sentiment":"neutral","sentiment_score":-0.009662495634984225,"num_words":48,"start":596.01495,"end":611.51},{"sentences":[{"text":"You're better off going on that base, but they're pretty much the base rate.","start":611.51,"end":614.765,"sentiment":"neutral","sentiment_score":0.04226759382124458},{"text":"So yeah.","start":614.765,"end":615.665,"sentiment":"neutral","sentiment_score":0.10786885023117065},{"text":"Yes.","start":625.085,"end":625.585,"sentiment":"neutral","sentiment_score":0.16932453215122223},{"text":"Yes.","start":625.725,"end":626.225,"sentiment":"neutral","sentiment_score":0.2127383053302765},{"text":"Yes.","start":630.81,"end":631.31,"sentiment":"neutral","sentiment_score":0.2346502989530563}],"sentiment":"neutral","sentiment_score":0.07495774475759581,"num_words":19,"start":611.51,"end":631.31},{"sentences":[{"text":"Yeah.","start":632.49,"end":632.97,"sentiment":"neutral","sentiment_score":0.2074035406112671},{"text":"That's right.","start":632.97,"end":633.79,"sentiment":"neutral","sentiment_score":0.31237931549549103},{"text":"Yeah.","start":634.17,"end":634.49,"sentiment":"neutral","sentiment_score":0.1934133768081665},{"text":"Yeah.","start":634.49,"end":634.99,"sentiment":"neutral","sentiment_score":0.1823325157165527},{"text":"Yep.","start":635.05,"end":635.55,"sentiment":"neutral","sentiment_score":0.29623648524284363}],"sentiment":"neutral","sentiment_score":0.250690758228302,"num_words":6,"start":632.49,"end":635.55},{"sentences":[{"text":"Okay.","start":635.77,"end":636.25,"sentiment":"neutral","sentiment_score":0.2371012568473816},{"text":"So what do we have to do now then?","start":636.25,"end":637.61,"sentiment":"neutral","sentiment_score":0.08104123920202255},{"text":"What do I have to do now?","start":637.61,"end":638.985,"sentiment":"neutral","sentiment_score":0.016840154039008275},{"text":"Yep.","start":642.265,"end":642.765,"sentiment":"neutral","sentiment_score":0.11587415635585784},{"text":"Yep.","start":648.825,"end":649.325,"sentiment":"neutral","sentiment_score":0.06735038757324219}],"sentiment":"neutral","sentiment_score":0.06671463325619698,"num_words":19,"start":635.77,"end":649.325},{"sentences":[{"text":"Yep.","start":660.57,"end":660.81,"sentiment":"neutral","sentiment_score":0.07298430800437927},{"text":"Yeah.","start":660.81,"end":661.05,"sentiment":"neutral","sentiment_score":0.052385374903678894},{"text":"That's alright.","start":661.05,"end":661.69,"sentiment":"neutral","sentiment_score":0.06810726597905159},{"text":"Well, like I said, like, we got we're heading away on Friday for a month.","start":661.69,"end":666.73004,"sentiment":"neutral","sentiment_score":-0.02349724198381106},{"text":"So, like yeah.","start":666.73004,"end":671.955,"sentiment":"neutral","sentiment_score":0.07419414321581523}],"sentiment":"neutral","sentiment_score":0.005986727943474596,"num_words":22,"start":660.57,"end":671.955},{"sentences":[{"text":"So, like, we're back yeah.","start":672.015,"end":674.495,"sentiment":"neutral","sentiment_score":0.038648434728384015},{"text":"So, like, we're back.","start":674.495,"end":675.85504,"sentiment":"neutral","sentiment_score":0.07034257333725691},{"text":"If you just we fly home from Darwin.","start":675.85504,"end":679.075,"sentiment":"neutral","sentiment_score":0.07002790551632643},{"text":"So, like, anything from I think I'm actually yeah.","start":679.375,"end":682.79004,"sentiment":"neutral","sentiment_score":0.05602794595890575},{"text":"So anything from Friday, August 28, we're home, I think, late late late on that Thursday night.","start":682.79004,"end":690.31,"sentiment":"neutral","sentiment_score":0.0507931430988452}],"sentiment":"neutral","sentiment_score":0.055873736219350684,"num_words":43,"start":672.015,"end":690.31},{"sentences":[{"text":"So anything from that, I'm home, and I think I'm back to work on a Sunday.","start":690.31,"end":695.11,"sentiment":"neutral","sentiment_score":0.048959297011606395},{"text":"But, yeah, so maybe the end of next month would be yeah.","start":695.11,"end":702.45496,"sentiment":"neutral","sentiment_score":0.02928129769861698},{"text":"Yeah.","start":702.45496,"end":702.855,"sentiment":"neutral","sentiment_score":0.06035721302032471},{"text":"Because we're sorta gonna be here and there in the caravan and then up to Darwin and all that sort of stuff.","start":702.855,"end":707.815,"sentiment":"neutral","sentiment_score":0.04544936984100125},{"text":"So, yeah, that would be great if that's okay.","start":707.815,"end":710.98,"sentiment":"neutral","sentiment_score":0.312982451584604}],"sentiment":"neutral","sentiment_score":0.08353016230588158,"num_words":60,"start":690.31,"end":710.98},{"sentences":[{"text":"Yep.","start":718.48,"end":718.98,"sentiment":"neutral","sentiment_score":0.09112457931041718},{"text":"Yep.","start":722.08,"end":722.58,"sentiment":"neutral","sentiment_score":0.10362379252910614},{"text":"Yep.","start":722.72,"end":723.165,"sentiment":"neutral","sentiment_score":0.1250724494457245},{"text":"Yes.","start":734.285,"end":734.785,"sentiment":"neutral","sentiment_score":0.08685723692178726},{"text":"Yes.","start":735.245,"end":735.745,"sentiment":"neutral","sentiment_score":0.09687624126672743}],"sentiment":"neutral","sentiment_score":0.10071085989475251,"num_words":5,"start":718.48,"end":735.745},{"sentences":[{"text":"Yes.","start":735.96497,"end":736.125,"sentiment":"neutral","sentiment_score":0.11039800941944122},{"text":"Yes.","start":736.125,"end":736.52496,"sentiment":"neutral","sentiment_score":0.1328573226928711},{"text":"Yes.","start":736.52496,"end":736.76495,"sentiment":"neutral","sentiment_score":0.1829409301280975},{"text":"Yes.","start":736.76495,"end":737.16,"sentiment":"positive","sentiment_score":0.3713788986206054},{"text":"Yes.","start":744.68,"end":745.18,"sentiment":"neutral","sentiment_score":0.2901497483253479}],"sentiment":"neutral","sentiment_score":0.21754498183727264,"num_words":5,"start":735.96497,"end":745.18},{"sentences":[{"text":"Yes.","start":745.39996,"end":745.89996,"sentiment":"positive","sentiment_score":0.34811437129974365},{"text":"Yep.","start":756.77496,"end":757.27496,"sentiment":"neutral","sentiment_score":0.1836886405944824},{"text":"Yep.","start":759.89496,"end":760.39496,"sentiment":"neutral","sentiment_score":0.15703164041042328},{"text":"Alright.","start":760.535,"end":761.015,"sentiment":"neutral","sentiment_score":0.17600098252296448},{"text":"So, Dana, so what do I do I have to do anything today then?","start":761.015,"end":764.235,"sentiment":"neutral","sentiment_score":0.058346218296459744}],"sentiment":"neutral","sentiment_score":0.09342681616544724,"num_words":18,"start":745.39996,"end":764.235},{"sentences":[{"text":"I am.","start":767.75,"end":768.23,"sentiment":"neutral","sentiment_score":0.12214765325188637},{"text":"I'd rather do it while you're on the phone.","start":768.23,"end":770.39,"sentiment":"neutral","sentiment_score":0.019566108990046713},{"text":"I'd rather do it while because I've got you on the phone because like I said, I've only got my phone.","start":770.39,"end":774.87,"sentiment":"neutral","sentiment_score":-0.008732003736354056},{"text":"Like, we only have our phone, so I'm just hoping that stuff works.","start":774.87,"end":779.14496,"sentiment":"neutral","sentiment_score":0.031259910275156684},{"text":"You know what I mean?","start":779.14496,"end":780.20496,"sentiment":"neutral","sentiment_score":0.02123980224132538}],"sentiment":"neutral","sentiment_score":0.014991921074688434,"num_words":50,"start":767.75,"end":780.20496},{"sentences":[{"text":"Yes.","start":793.72,"end":794.12,"sentiment":"neutral","sentiment_score":0.09611205011606216},{"text":"So it says please please sign below.","start":794.12,"end":797.42,"sentiment":"neutral","sentiment_score":0.05178987979888916},{"text":"So where it says it's got Julie Fenig and then it's got signature.","start":798.68,"end":802.86,"sentiment":"neutral","sentiment_score":0.028001474073299996},{"text":"So do I so I click onto that.","start":804.71497,"end":807.435,"sentiment":"neutral","sentiment_score":0.023888143012300134},{"text":"Okay.","start":807.435,"end":807.935,"sentiment":"neutral","sentiment_score":0.03170209378004074}],"sentiment":"neutral","sentiment_score":0.0348489203179876,"num_words":30,"start":793.72,"end":807.935},{"sentences":[{"text":"So what's come up is kinda like a generic, you know, like it's got Julie Fenwick blah blah blah.","start":807.995,"end":814.89496,"sentiment":"neutral","sentiment_score":-0.022693952545523643},{"text":"So do I press so do I it says sign all or sign, and then it's got it's got me it's got three options.","start":815.27496,"end":825.94,"sentiment":"neutral","sentiment_score":0.022355146938934922},{"text":"It says sign all, sign, or cancel.","start":825.94,"end":828.12,"sentiment":"neutral","sentiment_score":0.014839653191821916},{"text":"So do I just press sign all?","start":828.18,"end":830.565,"sentiment":"neutral","sentiment_score":0.05669541284441948},{"text":"Yes.","start":834.465,"end":834.705,"sentiment":"neutral","sentiment_score":0.15900395810604095}],"sentiment":"neutral","sentiment_score":0.013191169802227924,"num_words":58,"start":807.995,"end":834.705},{"sentences":[{"text":"That's fine.","start":834.705,"end":835.265,"sentiment":"neutral","sentiment_score":0.16567933559417725},{"text":"It's pretty much it it yeah.","start":835.265,"end":837.505,"sentiment":"neutral","sentiment_score":0.14196079162259898},{"text":"Alright.","start":837.505,"end":837.825,"sentiment":"neutral","sentiment_score":0.13914792239665985},{"text":"So I'll do that and see if that works.","start":837.825,"end":841.365,"sentiment":"neutral","sentiment_score":0.1145847270058261},{"text":"Okay.","start":841.79,"end":842.29,"sentiment":"neutral","sentiment_score":0.12558555603027344}],"sentiment":"neutral","sentiment_score":0.13047997065280614,"num_words":19,"start":834.705,"end":842.29},{"sentences":[{"text":"So next oh, date.","start":844.55,"end":849.06995,"sentiment":"neutral","sentiment_score":0.019229451194405556},{"text":"Yes.","start":849.06995,"end":849.38995,"sentiment":"neutral","sentiment_score":0.01472853310406208},{"text":"Sorry.","start":849.38995,"end":849.79,"sentiment":"neutral","sentiment_score":-0.020184537395834923},{"text":"Date next to it.","start":849.79,"end":850.75,"sentiment":"neutral","sentiment_score":0.02160997875034809},{"text":"Got it.","start":850.75,"end":851.14996,"sentiment":"neutral","sentiment_score":0.2499885931611061}],"sentiment":"neutral","sentiment_score":0.054823241817454495,"num_words":12,"start":844.55,"end":851.14996},{"sentences":[{"text":"That's it's so small on my phone.","start":851.14996,"end":855.145,"sentiment":"neutral","sentiment_score":0.1667215313230242},{"text":"I can't even see that.","start":855.145,"end":856.585,"sentiment":"neutral","sentiment_score":-0.14657901525497435},{"text":"So do I how do I put the date in there?","start":856.585,"end":859.245,"sentiment":"neutral","sentiment_score":-0.01700257018885829},{"text":"Oh, no.","start":859.545,"end":859.865,"sentiment":"neutral","sentiment_score":-0.021328555420041084},{"text":"It's got what's the date today?","start":859.865,"end":861.545,"sentiment":"neutral","sentiment_score":-0.0059219646112372475}],"sentiment":"neutral","sentiment_score":0.005449628141979056,"num_words":31,"start":851.14996,"end":861.545},{"sentences":[{"text":"Is the date the twenty seventh?","start":861.545,"end":863.005,"sentiment":"neutral","sentiment_score":-0.00575346197001636},{"text":"Oh, that's just it.","start":865.225,"end":866.445,"sentiment":"neutral","sentiment_score":-0.02234441554173827},{"text":"Okay.","start":888.76495,"end":889.245,"sentiment":"neutral","sentiment_score":0.04253540188074112},{"text":"Yeah.","start":889.245,"end":889.64496,"sentiment":"neutral","sentiment_score":0.05525819957256317},{"text":"Okay.","start":889.64496,"end":889.96497,"sentiment":"neutral","sentiment_score":0.05244790762662888}],"sentiment":"neutral","sentiment_score":0.002026390391760148,"num_words":13,"start":861.545,"end":889.96497},{"sentences":[{"text":"Let me go.","start":889.96497,"end":890.865,"sentiment":"neutral","sentiment_score":0.048584376772244774},{"text":"Yeah.","start":891.725,"end":892.125,"sentiment":"neutral","sentiment_score":0.062023408710956573},{"text":"Oh, like, I press on to the date part, but it's not really doing anything.","start":892.125,"end":895.64496,"sentiment":"neutral","sentiment_score":-0.04775662173827489},{"text":"So if I just press next and see what happens okay.","start":895.64496,"end":900.84,"sentiment":"neutral","sentiment_score":-0.010823675346645441},{"text":"Oh, god.","start":900.98004,"end":901.54004,"sentiment":"neutral","sentiment_score":0.010807869955897331}],"sentiment":"neutral","sentiment_score":-0.018938046123366803,"num_words":32,"start":889.96497,"end":901.54004},{"sentences":[{"text":"Now what is happening?","start":901.54004,"end":902.76,"sentiment":"neutral","sentiment_score":-0.025010871700942516},{"text":"Okay.","start":903.62006,"end":904.02,"sentiment":"neutral","sentiment_score":-0.007834230549633503},{"text":"It's not nothing really.","start":904.02,"end":907.16003,"sentiment":"neutral","sentiment_score":-0.09123549237847328},{"text":"No.","start":909.675,"end":910.07495,"sentiment":"neutral","sentiment_score":-0.24076016247272491},{"text":"Not really anything.","start":910.07495,"end":911.035,"sentiment":"neutral","sentiment_score":-0.29108113050460815}],"sentiment":"neutral","sentiment_score":-0.12206332621952662,"num_words":13,"start":901.54004,"end":911.035},{"sentences":[{"text":"It's just sort of taking me back to that screen really.","start":911.035,"end":916.07495,"sentiment":"neutral","sentiment_score":-0.2707875682549043},{"text":"Like, it wants to me to sign or something maybe.","start":916.07495,"end":919.935,"sentiment":"neutral","sentiment_score":-0.21169605255126953},{"text":"I don't know.","start":920.63495,"end":921.355,"sentiment":"neutral","sentiment_score":-0.21190621455510458},{"text":"It's not really doing anything.","start":921.355,"end":922.71497,"sentiment":"neutral","sentiment_score":-0.25563100576400755},{"text":"It's just taking me well, I it is.","start":922.71497,"end":927.18,"sentiment":"neutral","sentiment_score":-0.05280563607811928}],"sentiment":"neutral","sentiment_score":-0.20086331182234995,"num_words":37,"start":911.035,"end":927.18},{"sentences":[{"text":"Like, under my phone, it's saying next down there.","start":927.18,"end":930.62,"sentiment":"neutral","sentiment_score":-0.03946792624062962},{"text":"So I'm pressing that, but it's just sort of taking me back up to that signing page.","start":930.62,"end":935.27997,"sentiment":"neutral","sentiment_score":-0.0955129590104608},{"text":"So in which box though, you're saying?","start":953.85004,"end":956.11005,"sentiment":"neutral","sentiment_score":0.005365887922900063},{"text":"Oh, yeah.","start":958.41003,"end":959.21,"sentiment":"neutral","sentiment_score":0.054519280791282654},{"text":"It does.","start":959.21,"end":959.85004,"sentiment":"neutral","sentiment_score":0.07750405371189117}],"sentiment":"neutral","sentiment_score":-0.045333074456131134,"num_words":37,"start":927.18,"end":959.85004},{"sentences":[{"text":"But how do I get how do I write in that?","start":959.85004,"end":962.97504,"sentiment":"neutral","sentiment_score":0.015637028285048225},{"text":"Like, how do I do that?","start":962.97504,"end":964.09503,"sentiment":"neutral","sentiment_score":0.011347256445636352},{"text":"It's not letting me because like I said, I've only got my phone.","start":964.09503,"end":967.47504,"sentiment":"negative","sentiment_score":-0.33385852667001575},{"text":"But yeah.","start":971.375,"end":972.015,"sentiment":"neutral","sentiment_score":-0.04879109933972359},{"text":"I am.","start":972.015,"end":972.655,"sentiment":"neutral","sentiment_score":-0.05465235188603401}],"sentiment":"neutral","sentiment_score":-0.12667520292212858,"num_words":34,"start":959.85004,"end":972.655},{"sentences":[{"text":"But it's still not really.","start":972.655,"end":974.16,"sentiment":"neutral","sentiment_score":-0.2811548739671707},{"text":"It's not letting me it's just moving around.","start":974.24,"end":976.48,"sentiment":"negative","sentiment_score":-0.34136052802205086},{"text":"As I'm trying to, like, ride in it, my the screen's just moving around.","start":976.48,"end":980.33997,"sentiment":"neutral","sentiment_score":-0.3062580132058689},{"text":"Okay.","start":981.27997,"end":981.77997,"sentiment":"neutral","sentiment_score":-0.04017989709973335},{"text":"I don't know.","start":982.95996,"end":983.6,"sentiment":"neutral","sentiment_score":-0.06516368438800176}],"sentiment":"neutral","sentiment_score":-0.27935295900510204,"num_words":31,"start":972.655,"end":983.6},{"sentences":[{"text":"What else do we do?","start":983.6,"end":984.81995,"sentiment":"neutral","sentiment_score":-0.032176250219345094},{"text":"Yeah.","start":988.31995,"end":988.81995,"sentiment":"neutral","sentiment_score":0.03720813617110253},{"text":"I know.","start":989.04,"end":989.69995,"sentiment":"neutral","sentiment_score":0.005421410780400038},{"text":"I know.","start":989.85504,"end":990.375,"sentiment":"neutral","sentiment_score":-0.014802183024585247},{"text":"I know.","start":990.375,"end":991.05505,"sentiment":"neutral","sentiment_score":-0.012269223108887672}],"sentiment":"neutral","sentiment_score":-0.01391442546931406,"num_words":12,"start":983.6,"end":991.05505},{"sentences":[{"text":"We don't have so I don't know what else to do.","start":991.05505,"end":996.91504,"sentiment":"neutral","sentiment_score":-0.09587625795128671},{"text":"Okay.","start":996.97504,"end":997.47504,"sentiment":"neutral","sentiment_score":-0.04008348286151886},{"text":"Okay.","start":1002.335,"end":1002.835,"sentiment":"neutral","sentiment_score":0.0309602078050375},{"text":"So completely go out or okay.","start":1002.895,"end":1015.54,"sentiment":"neutral","sentiment_score":0.060428028305371605},{"text":"Oh, probably not, though.","start":1016.32,"end":1018.005,"sentiment":"neutral","sentiment_score":-0.07463854551315308}],"sentiment":"neutral","sentiment_score":-0.0434673097713486,"num_words":23,"start":991.05505,"end":1018.005},{"sentences":[{"text":"Yeah.","start":1022.085,"end":1022.405,"sentiment":"neutral","sentiment_score":-0.01914558932185173},{"text":"Look.","start":1022.405,"end":1022.905,"sentiment":"neutral","sentiment_score":-0.0475180447101593},{"text":"And and I'm just I have no idea, honestly.","start":1023.045,"end":1026.425,"sentiment":"neutral","sentiment_score":-0.20380591435564888},{"text":"That's why I don't know.","start":1026.485,"end":1038.5,"sentiment":"neutral","sentiment_score":-0.20455289781093597},{"text":"Yeah.","start":1043.6,"end":1043.92,"sentiment":"neutral","sentiment_score":-0.12791289389133453}],"sentiment":"neutral","sentiment_score":-0.17950554389287443,"num_words":17,"start":1022.085,"end":1043.92},{"sentences":[{"text":"No.","start":1043.92,"end":1044.16,"sentiment":"neutral","sentiment_score":-0.22815144062042236},{"text":"It's still not really joining anything.","start":1044.16,"end":1046.1,"sentiment":"neutral","sentiment_score":-0.2515033384164174},{"text":"Like, I pressed that next, and it's just saying, please, like, in that multiline.","start":1046.16,"end":1051.0449,"sentiment":"neutral","sentiment_score":-0.13505423441529274},{"text":"It comes back up to that, but Yeah.","start":1051.4249,"end":1055.125,"sentiment":"neutral","sentiment_score":-0.05343661247752607},{"text":"I'm trying to, but not really.","start":1059.345,"end":1061.3099,"sentiment":"neutral","sentiment_score":-0.14318552737434706}],"sentiment":"neutral","sentiment_score":-0.14041533762855188,"num_words":35,"start":1043.92,"end":1061.3099},{"sentences":[{"text":"It's not letting me kinda do anything.","start":1061.3099,"end":1063.57,"sentiment":"negative","sentiment_score":-0.6126216564859662},{"text":"Let me try again.","start":1067.95,"end":1069.25,"sentiment":"neutral","sentiment_score":-0.11372797377407551},{"text":"Oh, hang on.","start":1077.405,"end":1078.2051,"sentiment":"neutral","sentiment_score":-0.07956186930338542},{"text":"If I hold on to it and if I write I am I'm actually typing n a.","start":1078.2051,"end":1083.505,"sentiment":"neutral","sentiment_score":-0.04691933161195587},{"text":"Like, it's right up in the top of the corner, but oh, god.","start":1084.685,"end":1088.145,"sentiment":"neutral","sentiment_score":0.08793676014129932}],"sentiment":"neutral","sentiment_score":-0.10537272395396774,"num_words":44,"start":1061.3099,"end":1088.145},{"sentences":[{"text":"And then now it's saying validate.","start":1091.2001,"end":1092.98,"sentiment":"neutral","sentiment_score":-0.0076705825825532275},{"text":"So do I press that?","start":1093.12,"end":1094.58,"sentiment":"neutral","sentiment_score":-0.008960052765905857},{"text":"Okay.","start":1095.52,"end":1095.92,"sentiment":"neutral","sentiment_score":0.023274876177310944},{"text":"Because I've actually here, I'm thinking I had to actually, like, use my finger, but I've just actually typed it in.","start":1095.92,"end":1101.62,"sentiment":"neutral","sentiment_score":-0.03971247747540474},{"text":"Maybe I was supposed to do that.","start":1102.085,"end":1103.785,"sentiment":"neutral","sentiment_score":-0.12196659509624753}],"sentiment":"neutral","sentiment_score":-0.04388192689511925,"num_words":40,"start":1091.2001,"end":1103.785},{"sentences":[{"text":"I don't know.","start":1104.245,"end":1104.725,"sentiment":"neutral","sentiment_score":-0.2658882985512416},{"text":"Like I said oh, god.","start":1104.725,"end":1107.225,"sentiment":"neutral","sentiment_score":-0.17123737633228303},{"text":"Yeah.","start":1111.685,"end":1112.005,"sentiment":"neutral","sentiment_score":-0.06705974042415619},{"text":"I know, but I don't know.","start":1112.005,"end":1113.445,"sentiment":"neutral","sentiment_score":-0.12513784070809683},{"text":"Okay.","start":1113.445,"end":1113.945,"sentiment":"neutral","sentiment_score":-0.00022195279598236084}],"sentiment":"neutral","sentiment_score":-0.1544975321739912,"num_words":16,"start":1104.245,"end":1113.945},{"sentences":[{"text":"So you will get the signed document by email.","start":1114.005,"end":1117.5,"sentiment":"neutral","sentiment_score":0.023943338957097795},{"text":"It says download.","start":1117.5599,"end":1118.62,"sentiment":"neutral","sentiment_score":0.018374644219875336},{"text":"There are other documents waiting for your signature, blah blah blah.","start":1119.8799,"end":1123.2599,"sentiment":"neutral","sentiment_score":-0.025762854821302673},{"text":"Okay.","start":1125.32,"end":1125.6399,"sentiment":"neutral","sentiment_score":0.01133529469370842},{"text":"So do I have to do anything else now?","start":1125.6399,"end":1127.3999,"sentiment":"neutral","sentiment_score":-0.023889501061704423}],"sentiment":"neutral","sentiment_score":-0.006559019230983474,"num_words":33,"start":1114.005,"end":1127.3999},{"sentences":[{"text":"What do I do now?","start":1127.3999,"end":1128.315,"sentiment":"neutral","sentiment_score":-0.043521647527813914},{"text":"It says sign up for free.","start":1134.6349,"end":1136.075,"sentiment":"neutral","sentiment_score":0.007260701929529508},{"text":"Oh, okay.","start":1136.075,"end":1136.735,"sentiment":"neutral","sentiment_score":0.008346263319253922},{"text":"Need to sign documents, and it's got not really.","start":1137.195,"end":1140.6349,"sentiment":"neutral","sentiment_score":-0.05998161952528688},{"text":"Just it's got the a tick.","start":1140.6349,"end":1142.4,"sentiment":"neutral","sentiment_score":-0.05546671959261099}],"sentiment":"neutral","sentiment_score":-0.036785228310951164,"num_words":28,"start":1127.3999,"end":1142.4},{"sentences":[{"text":"Yeah.","start":1144.64,"end":1144.9601,"sentiment":"neutral","sentiment_score":0.11617345362901688},{"text":"And then you will get the signed document by email, and I can either download that.","start":1144.9601,"end":1149.38,"sentiment":"neutral","sentiment_score":0.10919321840628982},{"text":"Otherwise, yeah, it's kinda just got sign sign request, statement of advice for Julie, blah blah blah, Fenech.","start":1149.4401,"end":1159.845,"sentiment":"neutral","sentiment_score":0.0263505578170427},{"text":"So yeah.","start":1161.345,"end":1162.145,"sentiment":"neutral","sentiment_score":0.07890820875763893},{"text":"I mean, it has got a sign or a view little button, but yes.","start":1162.145,"end":1166.625,"sentiment":"neutral","sentiment_score":0.027952505807791437}],"sentiment":"neutral","sentiment_score":0.05660248015021138,"num_words":51,"start":1144.64,"end":1166.625},{"sentences":[{"text":"But it should be alright.","start":1166.625,"end":1168.005,"sentiment":"neutral","sentiment_score":-0.038939452916383746},{"text":"Yay.","start":1174.6101,"end":1175.1101,"sentiment":"positive","sentiment_score":0.6203169822692871},{"text":"Woo hoo.","start":1175.41,"end":1176.0701,"sentiment":"positive","sentiment_score":0.5827786326408386},{"text":"No.","start":1185.985,"end":1186.1449,"sentiment":"neutral","sentiment_score":-0.01591534912586212},{"text":"That's alright.","start":1186.1449,"end":1186.865,"sentiment":"neutral","sentiment_score":0.017201862297952175}],"sentiment":"neutral","sentiment_score":0.14633321440355343,"num_words":11,"start":1166.625,"end":1186.865},{"sentences":[{"text":"I just yeah.","start":1186.865,"end":1187.745,"sentiment":"neutral","sentiment_score":0.03486257170637449},{"text":"No.","start":1187.745,"end":1187.9049,"sentiment":"neutral","sentiment_score":-0.01416075974702835},{"text":"That's fine.","start":1187.9049,"end":1188.8049,"sentiment":"neutral","sentiment_score":0.08491688594222069},{"text":"Yeah.","start":1189.585,"end":1190.085,"sentiment":"neutral","sentiment_score":0.04004739224910736},{"text":"Yep.","start":1195.54,"end":1196.04,"sentiment":"neutral","sentiment_score":0.14755956828594208}],"sentiment":"neutral","sentiment_score":0.05598346097394824,"num_words":8,"start":1186.865,"end":1196.04},{"sentences":[{"text":"Yep.","start":1206.1,"end":1206.18,"sentiment":"neutral","sentiment_score":0.09957674145698547},{"text":"Yep.","start":1206.18,"end":1206.68,"sentiment":"neutral","sentiment_score":0.08571882545948029},{"text":"Yep.","start":1207.78,"end":1208.28,"sentiment":"neutral","sentiment_score":0.12622372806072235},{"text":"Thanks, Diana.","start":1208.42,"end":1209.3,"sentiment":"positive","sentiment_score":0.3387337625026703},{"text":"Thank you so much.","start":1209.3,"end":1210.305,"sentiment":"positive","sentiment_score":0.5701894611120224}],"sentiment":"positive","sentiment_score":0.3633049627145131,"num_words":9,"start":1206.1,"end":1210.305},{"sentences":[{"text":"No.","start":1216.2251,"end":1216.545,"sentiment":"neutral","sentiment_score":0.05263511463999748},{"text":"Thank you.","start":1216.545,"end":1217.265,"sentiment":"neutral","sentiment_score":0.10285958275198936},{"text":"Thank you.","start":1217.265,"end":1217.905,"sentiment":"neutral","sentiment_score":0.10719004273414612},{"text":"No.","start":1217.905,"end":1218.145,"sentiment":"neutral","sentiment_score":0.1006666049361229},{"text":"And I hope you have a great rest of the week too.","start":1218.145,"end":1221.185,"sentiment":"neutral","sentiment_score":0.19106489171584448}],"sentiment":"neutral","sentiment_score":0.15923220395214027,"num_words":18,"start":1216.2251,"end":1221.185},{"sentences":[{"text":"So yeah.","start":1221.185,"end":1223.64,"sentiment":"neutral","sentiment_score":0.11693726480007172},{"text":"Yeah.","start":1223.96,"end":1224.36,"sentiment":"neutral","sentiment_score":0.05176183581352234},{"text":"No.","start":1224.36,"end":1224.68,"sentiment":"neutral","sentiment_score":0.027628008276224136},{"text":"That's okay.","start":1224.68,"end":1225.3201,"sentiment":"neutral","sentiment_score":0.06389371305704117},{"text":"So we have actually got some sunshine and blue sky down here.","start":1225.3201,"end":1229.34,"sentiment":"neutral","sentiment_score":0.1300389226526022}],"sentiment":"neutral","sentiment_score":0.11119549286862214,"num_words":18,"start":1221.185,"end":1229.34},{"sentences":[{"text":"It was a chilly two degrees, but anyway, this morning, but that's alright.","start":1229.8,"end":1232.92,"sentiment":"neutral","sentiment_score":0.06094061812529197},{"text":"Oh, and first time, our new our new gym opened up last week.","start":1232.92,"end":1237.4,"sentiment":"neutral","sentiment_score":0.2042949887422415},{"text":"So I went back this morning and did a a 06:00 class.","start":1237.4,"end":1241.375,"sentiment":"neutral","sentiment_score":0.26880870511134464},{"text":"So it was actually good because I haven't done anything for, like, fifteen months since our old gym closed.","start":1241.375,"end":1246.015,"sentiment":"neutral","sentiment_score":0.18982463643739098},{"text":"So it was actually good to go back and get do a class and, yeah, start to feel normal again.","start":1246.015,"end":1252.8151,"sentiment":"positive","sentiment_score":0.39644942581653597}],"sentiment":"neutral","sentiment_score":0.23648602544487296,"num_words":77,"start":1229.8,"end":1252.8151},{"sentences":[{"text":"So so it's good.","start":1252.8151,"end":1254.83,"sentiment":"neutral","sentiment_score":0.3027467131614685},{"text":"Yeah.","start":1255.61,"end":1256.11,"sentiment":"neutral","sentiment_score":0.13040484488010406},{"text":"Yeah.","start":1256.25,"end":1256.75,"sentiment":"neutral","sentiment_score":0.09055447578430176},{"text":"So yeah.","start":1256.89,"end":1258.8099,"sentiment":"neutral","sentiment_score":0.11571606621146202},{"text":"Alright, Dana.","start":1258.8099,"end":1259.61,"sentiment":"neutral","sentiment_score":0.2119903638958931}],"sentiment":"neutral","sentiment_score":0.208735903352499,"num_words":10,"start":1252.8151,"end":1259.61},{"sentences":[{"text":"Thank you so much.","start":1259.61,"end":1260.67,"sentiment":"positive","sentiment_score":0.520069532096386},{"text":"Love you.","start":1264.57,"end":1265.415,"sentiment":"neutral","sentiment_score":0.11018950119614601},{"text":"No worries.","start":1268.2151,"end":1268.775,"sentiment":"neutral","sentiment_score":0.3326377123594284},{"text":"Thank you so much for that.","start":1268.775,"end":1270.3151,"sentiment":"positive","sentiment_score":0.8153413136800131},{"text":"Okay.","start":1273.655,"end":1274.155,"sentiment":"neutral","sentiment_score":0.273390531539917}],"sentiment":"positive","sentiment_score":0.5420913979411125,"num_words":15,"start":1259.61,"end":1274.155},{"sentences":[{"text":"Bye.","start":1274.2151,"end":1274.7151,"sentiment":"neutral","sentiment_score":0.28581273555755615}],"sentiment":"neutral","sentiment_score":0.28581273555755615,"num_words":1,"start":1274.2151,"end":1274.7151}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Good morning.\n\nChannel 0: Hi. Good morning, Julie. This is Dana from OG Financial. How are you?\n\nChannel 1: Yeah. Good. How are you, Dana?\n\nChannel 0: I'm very well. Thank you. How was your weekend?\n\nChannel 1: I'm just trying to think. Oh, not yet. Okay. My mom, who's 95, ended\n\nChannel 0: Yeah.\n\nChannel 1: up in hospital all Friday night, but she's okay.\n\nChannel 0: Oh,\n\nChannel 1: She's\n\nChannel 0: I'm so sorry.\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. No. But otherwise, she's okay. Yeah. Because she still lives on her own, but we're gonna and she's quite happy to go into the a nursing home because she's just a little bit, I think, lonely, but, you know, like, she's yeah.\n\nShe's 95. So but yeah. But otherwise okay. I work Sunday.\n\nChannel 0: Nice. Nice. A bit of\n\nChannel 1: So\n\nChannel 0: extra\n\nChannel 1: yeah.\n\nChannel 0: money\n\nChannel 1: So\n\nChannel 0: there.\n\nChannel 1: I didn't get much of a weekend because I just when mom come home Saturday morning, my because my brother and sister-in-law stayed with her at the hospital all night Friday night.\n\nChannel 0: Yeah.\n\nChannel 1: So then I just stayed with her on Saturday, all day Saturday. So yeah. So yeah. But anyway, that's alright.\n\nChannel 0: Oh, fantastic.\n\nChannel 1: Yeah.\n\nChannel 0: Oh, cool. Well, I know you're about to go away and have to have a bit of a holiday there as well. But\n\nChannel 1: Yes.\n\nChannel 0: I just had just had the updated advice document to send back through to you. Do you have access to your emails? Are Are you able to open that one up for me at the moment at all?\n\nChannel 1: Okay. Let's have a look.\n\nChannel 0: That's okay. You're right. Just kinda went back and rejig that TTR strategy for you just with your income.\n\nChannel 1: Okay. Okay.\n\nChannel 0: Beautiful.\n\nChannel 1: Here we\n\nChannel 0: Beautiful.\n\nChannel 1: go. Okay. So go into show images. Okay. Alright.\n\nSo okay. What do I have to\n\nChannel 0: Yeah.\n\nChannel 1: do now? Just click\n\nChannel 0: So,\n\nChannel 1: on the anything?\n\nChannel 0: yep, that's the one. And if you go down to page number 26, when\n\nChannel 1: Wait a minute. So okay. So I've pressed on the that, but nothing's opening. Why\n\nChannel 0: it\n\nChannel 1: not?\n\nChannel 0: lets you\n\nChannel 1: Do I have\n\nChannel 0: open\n\nChannel 1: to\n\nChannel 0: up\n\nChannel 1: press\n\nChannel 0: that\n\nChannel 1: maybe\n\nChannel 0: advice\n\nChannel 1: the sign\n\nChannel 0: document there\n\nChannel 1: document thing\n\nChannel 0: That's\n\nChannel 1: for it to open?\n\nChannel 0: yeah. If you press that button, then it lets you go through and access the document. Yeah.\n\nChannel 1: Okay. Alright. So we're back to yep. Alright. So what page\n\nChannel 0: Yep.\n\nChannel 1: was it where you have to go to?\n\nChannel 0: Page number 26.\n\nChannel 1: 26. Okay. It's a little bit hard for me to hear you, but that's okay.\n\nChannel 0: Oh,\n\nChannel 1: I've got it\n\nChannel 0: is\n\nChannel 1: on speaker, but it's just a little\n\nChannel 0: it\n\nChannel 1: bit soft. That's all.\n\nChannel 0: is that a little bit better? I've just moved the headset up a little bit. Is that\n\nChannel 1: Yeah.\n\nChannel 0: a little bit better at all?\n\nChannel 1: No. Not really.\n\nChannel 0: Oh, I'm so sorry. I'll try\n\nChannel 1: No. That's\n\nChannel 0: to speak\n\nChannel 1: alright.\n\nChannel 0: up a bit more.\n\nChannel 1: Oh, god. What's that? 30. You've gone too far. 20\n\nChannel 0: That's\n\nChannel 1: 72526. Okay.\n\nChannel 0: okay.\n\nChannel 1: Alright. Yes.\n\nChannel 0: Beautiful.\n\nChannel 1: Okay.\n\nChannel 0: All good.\n\nChannel 1: Yep.\n\nChannel 0: So with your pay slip, we went through and had a really good look at your income and how that sort of works. And on the pay slip that you kinda showed us with your employer contributions, you're getting employer contributions not only on your base rate, but also on the penalties as well for the Sunday and through the week. So when we kind of went through and checked your income, you're currently based on that one pay slip. If you even over the course of the year, expected to get about $80,007.73. So your income is definitely higher than your base rate, which is good.\n\nChannel 1: Yes.\n\nChannel 0: What we're gonna do is there's no change to the strategy. We still wanna do the TTR. We're just sort of rejig to make sure that we were accounting for your contributions correctly. So at the moment, your income estimated is $80,007.07 3. Your current salary sacrifice for the year is 7,800.\n\nThat brings your taxable income down to $7.02 $9.07 3, and income tax income tax on that amount is estimated at 13,000 for the year. That basically means your take home pay currently is about 59,102. So what we're gonna do is open up that second account, which is that PTR pension account. We're\n\nChannel 1: Yep.\n\nChannel 0: going to move sorry. We're gonna move about 112,000 over and leave about three hun 369,095 sitting in the in the accumulation phase.\n\nChannel 1: Yes.\n\nChannel 0: What we're gonna do is we've got on the proposed side, your income is 80,000 to begin with. We're gonna increase your contributions up to 22,807. So we're gonna add on to the current salary sacrifice. So you're putting more into super, and it works\n\nChannel 1: Yep.\n\nChannel 0: out. You'll end up putting 22,807 into the super fund over the course of the year. That then reduced your taxable income down to $57,009.09 6, and that reduced your tax on that to $8,009.39. So it's good it reduced your tax. But because it has reduced your taxable income and your after tax income down to 49,000, we need to replenish that.\n\nSo we're then going to withdraw 10,080 on a yearly basis. We'll do it in increments. It can be done fortnightly or weekly in line with your income. And when the team calls to get your bank details to do the application form, they'll also just confirm when you want those pension payments to begin, whether you want them the same day as your income or whether you want them to be, you know, the week the week outside of that. So you can just let us know what day you want those to occur.\n\nChannel 1: Yeah. Well, we get paid no. Our pay normally goes in, like, a late, say, late Wednesday. So even the Thursday or the Friday of that week, fortnightly, yeah, would\n\nChannel 0: Yep.\n\nChannel 1: be just makes sense because\n\nChannel 0: And fortnightly?\n\nChannel 1: I know that it's coming out, like, most things come out sort of on payday and stuff\n\nChannel 0: Yes.\n\nChannel 1: like that.\n\nChannel 0: Yes.\n\nChannel 1: But yeah.\n\nChannel 0: Absolutely. Yeah. No. Not a problem at all. So for the 10,080 that you'll be withdrawing out of the pension account for the year, it works out to be about $387.69 per fortnight.\n\nSo you can sort of see how this works because you're putting more money into super. And in order to replenish your income, we'd have we cannot we can draw less out, which is good. And then\n\nChannel 1: Yep.\n\nChannel 0: once you've done that, you then have your take home payback at that 59,107. So it's a little bit higher than what you currently get now, and it's\n\nChannel 1: Yep.\n\nChannel 0: it's kinda replenishing your income there. The good side of the strategy is that you're putting more into super, which benefits you over the longer term, and the advantage there as you reduce your income tax payable from your income, which is kind of cool. Okay?\n\nChannel 1: Yeah. Absolutely. Because I have I hate getting my tax done. Like\n\nChannel 0: Yeah.\n\nChannel 1: like, just for forever, like, pretty much my jobs that I've had, like, I've not that I've I've only probably had, like, five jobs overall because I've sort\n\nChannel 0: Yeah.\n\nChannel 1: of been there. You know? Like, I've always stayed till, like, you know, ten, eleven, twelve years, and and then a couple were all kinda, like, made redundant so, you know, I didn't have a choice. But yeah. Like and, like, our uniform ever since supply, like, so I really can't claim anything, and it just annoys me because I think getting nothing back.\n\nLike, it's it's just\n\nChannel 0: Yeah.\n\nChannel 1: yeah. I mean, not that yeah. It's just I I I hate doing it because I either have to pay something small or I I don't get\n\nChannel 0: Yeah.\n\nChannel 1: anything back, and it's like but\n\nChannel 0: Yeah.\n\nChannel 1: anyway but\n\nChannel 0: No. That's good. Well, the good part about this is because you're over 60, the amount that you're drawing out of that TCR\n\nChannel 1: yeah.\n\nChannel 0: pension account is tax free. So it does reduce how much income tax you're gonna have to pay. It does produce a bit more tax free income for you, and\n\nChannel 1: Yes.\n\nChannel 0: it replenishes your income nicely. And if you scroll down to page number 32 for me, you'll see a sense of the projected outcome. So once we've sort of implemented the strategy there, we've done the investment switch as well as we went through last time. With the projected outcome in the next sort of six years, you can sort of estimate that you should have about 625,000 in super. So we can sort of see that grow pretty significantly over the next few years towards your\n\nChannel 1: Yep. No. That\n\nChannel 0: retirement.\n\nChannel 1: sounds really good.\n\nChannel 0: Yeah.\n\nChannel 1: Yes.\n\nChannel 0: Beautiful.\n\nChannel 1: Yes. Thank you.\n\nChannel 0: That's okay. We will make sure that you have a beneficiary nomination applied as well. So when we open\n\nChannel 1: Yep.\n\nChannel 0: a new pension account, we'll send you a beneficiary nomination. Our team can help to prefill that if you need as well. It's just\n\nChannel 1: Yep.\n\nChannel 0: making sure that nomination is made out. So in the event of you passing your pension payments, your, you know, super and your pension are reflective and are paid to where you want them to go.\n\nChannel 1: Yep.\n\nChannel 0: And if you've got some time and wanna run back through the other side of the document, the first sort of sections is just retaining your current super fund and doing the investments, which as we went through last time. So there's no real change to any of that other strategy. It was just making sure we had your income fairly accurate. The benefit\n\nChannel 1: Yep.\n\nChannel 0: is\n\nChannel 1: Yep.\n\nChannel 0: you seem to take quite a bit of extra work and overtime when it's on office. So this is kind\n\nChannel 1: Absolutely.\n\nChannel 0: of looking at your base based on on the pay slip that we saw last time. We'll make\n\nChannel 1: Yes.\n\nChannel 0: sure that we do catch up with you, and I do regular, you know, three monthly reviews just to make sure we're checking your contributions. If and when we feel like you might be exceeding the cap or too close to the cap, then we'll double check what catch up contributions you might have from previous years to make sure\n\nChannel 1: Yeah.\n\nChannel 0: you're\n\nChannel 1: Yeah.\n\nChannel 0: okay.\n\nChannel 1: That's right. And because that payslip\n\nChannel 0: Yeah.\n\nChannel 1: that I showed you, that was, like, I think it might have only had, like, one day over time maybe\n\nChannel 0: Yeah.\n\nChannel 1: or two bits. You know,\n\nChannel 0: I only\n\nChannel 1: like,\n\nChannel 0: had,\n\nChannel 1: back\n\nChannel 0: like,\n\nChannel 1: in\n\nChannel 0: one\n\nChannel 1: the\n\nChannel 0: hour.\n\nChannel 1: day\n\nChannel 0: Yeah.\n\nChannel 1: you know?\n\nChannel 0: Yeah.\n\nChannel 1: But but back in the day, like, when I started with post, it was through COVID. So we were just flat out. And, like, like, I think last week, I think I did I'm on the early shift. So, like, I was starting at 10:00 in the morning. I haven't got a message today what what if there's overtime today or not.\n\nBut, you know, like, we're getting a couple of hours last week. I I think\n\nChannel 0: Yeah.\n\nChannel 1: a couple of days, I've I think I started at 10:00 because it was two hours overtime. But so the one that I gave you was probably good in one way because it was only maybe that one hour overtime. So\n\nChannel 0: Yeah.\n\nChannel 1: if worst case scenario, it is, like, no overtime, well, that's sort of what you can work off. And\n\nChannel 0: Yeah.\n\nChannel 1: if I do overtime, well, it's, I I suppose, a bonus. But\n\nChannel 0: Absolutely. Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Doing\n\nChannel 1: Yeah.\n\nChannel 0: overtime\n\nChannel 1: Because,\n\nChannel 0: just\n\nChannel 1: you\n\nChannel 0: means\n\nChannel 1: know,\n\nChannel 0: you end\n\nChannel 1: like,\n\nChannel 0: up\n\nChannel 1: I\n\nChannel 0: with\n\nChannel 1: can't\n\nChannel 0: more money.\n\nChannel 1: to some\n\nChannel 0: Yeah.\n\nChannel 1: page, can you know, like, if I've done overtime every day and and stuff\n\nChannel 0: Mhmm.\n\nChannel 1: like that, you know, like, I can sort of bring home, like, $2.08, $3 sort of that fortnightly. But yeah. But otherwise yeah. It's yeah. You're better off going on that base, but they're pretty much the base rate.\n\nSo yeah.\n\nChannel 0: Absolutely. It kind of gives you the the base rate with what you were working at one pace. It kinda gives us the lowest expectation of what you should earn on a weekly or fortnightly basis.\n\nChannel 1: Yes.\n\nChannel 0: So then\n\nChannel 1: Yes.\n\nChannel 0: any additional overtime on top that only, you know, provides a benefit to you and put gives you\n\nChannel 1: Yes.\n\nChannel 0: more money at the end of the day. So yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Absolutely.\n\nChannel 1: That's right. Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful.\n\nChannel 1: Okay. So what do we have to do now then? What do I have to do\n\nChannel 0: So\n\nChannel 1: now?\n\nChannel 0: yeah. So once you're happy to go ahead with that one, we'll get you to sign and\n\nChannel 1: Yep.\n\nChannel 0: return the document back. Our team will then give you a call. They'll make sure they get your bank details. They'll do the app\n\nChannel 1: Yep.\n\nChannel 0: a the application form for you. We'll do the investment switch as well so that the investments are all switched. It takes about between one to sort of three weeks to complete the investment switch completely. So\n\nChannel 1: Yep.\n\nChannel 0: the\n\nChannel 1: Yeah.\n\nChannel 0: TTM\n\nChannel 1: That's alright.\n\nChannel 0: might\n\nChannel 1: Well,\n\nChannel 0: not\n\nChannel 1: like I\n\nChannel 0: take\n\nChannel 1: said,\n\nChannel 0: a little bit.\n\nChannel 1: like, we got we're heading away on Friday for a month. So,\n\nChannel 0: Yep. Maybe\n\nChannel 1: like\n\nChannel 0: we start that when it come when you come back to make it\n\nChannel 1: yeah.\n\nChannel 0: easy.\n\nChannel 1: So,\n\nChannel 0: The investment\n\nChannel 1: like, we're\n\nChannel 0: switch in\n\nChannel 1: back\n\nChannel 0: the meantime.\n\nChannel 1: yeah. So, like, we're back. If you just we fly home from Darwin. So, like, anything from I think I'm actually yeah. So anything from Friday, August 28, we're home, I think, late late late on that Thursday night.\n\nSo anything from that,\n\nChannel 0: Yep. Yep.\n\nChannel 1: I'm home, and I think I'm back to work on a Sunday. But, yeah, so maybe the end of next month would be yeah. Yeah. Because we're sorta gonna be here and there in the caravan and then\n\nChannel 0: Yep.\n\nChannel 1: up to Darwin and all that sort of stuff. So, yeah, that would be great if that's okay.\n\nChannel 0: Yep. Yeah. Absolutely. So what we'll do is we'll start once you sign and return the documents back, I'll let the team know we'll do the investment switch first, and then\n\nChannel 1: Yep.\n\nChannel 0: I'll get them to touch base in about three to four weeks for\n\nChannel 1: Yep.\n\nChannel 0: you.\n\nChannel 1: Yep.\n\nChannel 0: And then they can you know, we're ready to do the TTR side of things, so they can get your bank details, get you to sign the doc then. That way, you can enjoy your holiday, and then we'll be ready to move on to the TTR side of things when you're back at\n\nChannel 1: Yes.\n\nChannel 0: work. Okay?\n\nChannel 1: Yes. Yes. Yes. Yes. Yes.\n\nChannel 0: Fantastic. Excellent. And if you find you have any questions in the meantime, let me know. Feel free to take some time to read you the document if you want to.\n\nChannel 1: Yes. Yes.\n\nChannel 0: I've reattached all the the product disclosure statements and things there as well for you. So that is all there and all good, and I'll void the last document that we sent out from last time.\n\nChannel 1: Yep.\n\nChannel 0: This that way you're sort of all covered there.\n\nChannel 1: Yep. Alright. So, Dana, so what do I do I have to do anything today\n\nChannel 0: Okay?\n\nChannel 1: then?\n\nChannel 0: It's up to you. If you're comfortable signing and returning it back, you\n\nChannel 1: I\n\nChannel 0: can.\n\nChannel 1: am. I'd rather do\n\nChannel 0: If\n\nChannel 1: it\n\nChannel 0: you\n\nChannel 1: while\n\nChannel 0: wanna\n\nChannel 1: you're on the phone. I'd rather\n\nChannel 0: that's\n\nChannel 1: do it\n\nChannel 0: fine.\n\nChannel 1: while because I've got you on the phone because like I said, I've only got my phone. Like, we only have our\n\nChannel 0: Yeah.\n\nChannel 1: phone, so I'm just\n\nChannel 0: That's\n\nChannel 1: hoping that\n\nChannel 0: fine.\n\nChannel 1: stuff works. You know what I mean?\n\nChannel 0: Yeah. Absolutely. So if you're comfortable to do so, at the bottom of the document or if you see, it should be a little sign button. You should either see next or if you can scroll down to the last page, it'll have a little signing section for you. All you\n\nChannel 1: Yes.\n\nChannel 0: do is\n\nChannel 1: So\n\nChannel 0: click\n\nChannel 1: it\n\nChannel 0: on\n\nChannel 1: says\n\nChannel 0: that section.\n\nChannel 1: please please sign below.\n\nChannel 0: Yep.\n\nChannel 1: So where it says it's got Julie Fenig and then it's got signature.\n\nChannel 0: Yep. You should just\n\nChannel 1: So\n\nChannel 0: click\n\nChannel 1: do\n\nChannel 0: on\n\nChannel 1: I\n\nChannel 0: the signature.\n\nChannel 1: so I click onto that. Okay.\n\nChannel 0: Yep.\n\nChannel 1: So what's come up is kinda like a generic, you know, like it's got Julie Fenwick blah blah\n\nChannel 0: Yep.\n\nChannel 1: blah.\n\nChannel 0: A\n\nChannel 1: So\n\nChannel 0: pre\n\nChannel 1: do I\n\nChannel 0: a pre\n\nChannel 1: press\n\nChannel 0: done up signature. Yep.\n\nChannel 1: so do I it says sign all or sign,\n\nChannel 0: You\n\nChannel 1: and then it's got it's got me it's got three options. It says sign all, sign, or cancel. So do I just\n\nChannel 0: so\n\nChannel 1: press sign all?\n\nChannel 0: you you can press sign or if you're comfortable using that signature. That's absolutely fine. This\n\nChannel 1: Yes.\n\nChannel 0: is a\n\nChannel 1: That's\n\nChannel 0: prepopulated\n\nChannel 1: fine. It's pretty much\n\nChannel 0: one.\n\nChannel 1: it\n\nChannel 0: Yeah.\n\nChannel 1: it yeah. Alright. So\n\nChannel 0: Pretty\n\nChannel 1: I'll do\n\nChannel 0: close.\n\nChannel 1: that and see if that works. Okay.\n\nChannel 0: That's okay. Sign all the sections, and then\n\nChannel 1: So\n\nChannel 0: you should see a little button that says date.\n\nChannel 1: next\n\nChannel 0: Sometimes it\n\nChannel 1: oh,\n\nChannel 0: wants\n\nChannel 1: date.\n\nChannel 0: you to\n\nChannel 1: Yes.\n\nChannel 0: press\n\nChannel 1: Sorry.\n\nChannel 0: on that.\n\nChannel 1: Date next to\n\nChannel 0: Yep.\n\nChannel 1: it. Got it. That's it's so small\n\nChannel 0: Beautiful.\n\nChannel 1: on my\n\nChannel 0: Oh, is it?\n\nChannel 1: phone. I can't even see that. So do I how do I put the date in there? Oh,\n\nChannel 0: So\n\nChannel 1: no. It's got\n\nChannel 0: press\n\nChannel 1: what's the date today? Is the date the twenty seventh?\n\nChannel 0: it's the twenty eighth, but they've\n\nChannel 1: Oh,\n\nChannel 0: probably\n\nChannel 1: that's just\n\nChannel 0: it's probably\n\nChannel 1: it.\n\nChannel 0: it goes back a little bit weird. So sometimes it uses yesterday's date, but that'll be honestly okay. Because it uses your IP address as your signature verification, so that won't be a problem. So you can either it's sometimes a bit funny for me. So sometimes it'll let you click on the date.\n\nIf it doesn't, press next, and it should go through and start to prepopulate the date for\n\nChannel 1: Okay. Yeah. Okay. Let me\n\nChannel 0: you.\n\nChannel 1: go. Yeah.\n\nChannel 0: That's okay.\n\nChannel 1: Oh, like, I press on to the date part, but it's not really doing anything. So if I just press next and see what\n\nChannel 0: Yep.\n\nChannel 1: happens\n\nChannel 0: Absolutely.\n\nChannel 1: okay. Oh, god. Now what is happening?\n\nChannel 0: That's\n\nChannel 1: Okay.\n\nChannel 0: okay.\n\nChannel 1: It's not\n\nChannel 0: What's it doing now for you?\n\nChannel 1: nothing really. No. Not really anything. It's just sort of taking me back to that screen really. Like, it wants to me to sign or something maybe.\n\nI don't know. It's not really doing anything.\n\nChannel 0: Is\n\nChannel 1: It's\n\nChannel 0: there\n\nChannel 1: just\n\nChannel 0: a button that says next or\n\nChannel 1: taking me well, I it is. Like, under my phone, it's saying next down there. So I'm pressing that, but\n\nChannel 0: mhmm.\n\nChannel 1: it's just sort of taking me back up to that signing page.\n\nChannel 0: Okay. Okay. So what it might have there now you'll have a little box that says multiline in it. You can if you it's not meant to be mandatory. It's meant to be optional, but you might just need to put NA in that box where it says multiline or just put an n or something.\n\nChannel 1: So in which box though, you're saying?\n\nChannel 0: The box that says multiline on the signing page\n\nChannel 1: Oh, yeah.\n\nChannel 0: above,\n\nChannel 1: It does.\n\nChannel 0: you see\n\nChannel 1: But\n\nChannel 0: this down.\n\nChannel 1: how do\n\nChannel 0: Yeah.\n\nChannel 1: I get how do I write in that? Like, how do I do that? It's not letting me because like I said, I've only got my phone.\n\nChannel 0: That's okay. Just click on the box, and it should\n\nChannel 1: But yeah.\n\nChannel 0: come up with\n\nChannel 1: I\n\nChannel 0: a\n\nChannel 1: am.\n\nChannel 0: little\n\nChannel 1: But it's still\n\nChannel 0: yep.\n\nChannel 1: not really. It's not letting me it's\n\nChannel 0: Not\n\nChannel 1: just\n\nChannel 0: doing\n\nChannel 1: moving around.\n\nChannel 0: anything.\n\nChannel 1: As I'm trying to, like, ride in it, my the screen's just moving around.\n\nChannel 0: Right.\n\nChannel 1: Okay. I don't know. What else do we do?\n\nChannel 0: It's gen it is a lot easier on a computer if you're able\n\nChannel 1: Yeah.\n\nChannel 0: to access\n\nChannel 1: I\n\nChannel 0: the\n\nChannel 1: know.\n\nChannel 0: computer.\n\nChannel 1: I know. I know. We\n\nChannel 0: Yeah.\n\nChannel 1: don't have\n\nChannel 0: That's okay.\n\nChannel 1: so I don't know what else to do. Okay.\n\nChannel 0: No. No. That's okay. Worst case, we can just go out and try again.\n\nChannel 1: Okay. So completely go out or\n\nChannel 0: Yep. Yep. Just go back to the original email there, and we'll just go through again and give it another try. Could just be loading as well, taking\n\nChannel 1: okay.\n\nChannel 0: a bit of time to think about\n\nChannel 1: Oh,\n\nChannel 0: it.\n\nChannel 1: probably not, though.\n\nChannel 0: Love technology when it wants to work.\n\nChannel 1: Yeah. Look. And and I'm just I have no idea, honestly. That's why I don't know. Yeah.\n\nNo. It's still not really joining anything. Like, I pressed that next, and it's just saying, please, like, in that multiline. It comes back up to that, but\n\nChannel 0: Is it letting\n\nChannel 1: Yeah.\n\nChannel 0: you when you click on it, is it letting you put, like, an n or a letter or\n\nChannel 1: I'm\n\nChannel 0: anything\n\nChannel 1: trying\n\nChannel 0: in there?\n\nChannel 1: to, but not really. It's not letting me kinda do anything.\n\nChannel 0: Okay.\n\nChannel 1: Let me try again.\n\nChannel 0: That's okay. Sorry about that.\n\nChannel 1: Oh, hang on. If I hold on to it and if I write I am I'm actually typing n a.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Like, it's right up in the top of the corner, but oh,\n\nChannel 0: Oh,\n\nChannel 1: god.\n\nChannel 0: it's too hard to see. It's too little.\n\nChannel 1: And then now it's saying validate. So do I press that?\n\nChannel 0: Yep. Press the validate\n\nChannel 1: Okay.\n\nChannel 0: button.\n\nChannel 1: Because I've actually here, I'm thinking I had to actually, like, use my finger, but I've just actually typed it in.\n\nChannel 0: Yep.\n\nChannel 1: Maybe I was\n\nChannel 0: No.\n\nChannel 1: supposed\n\nChannel 0: That's\n\nChannel 1: to\n\nChannel 0: okay.\n\nChannel 1: do that.\n\nChannel 0: You're\n\nChannel 1: I don't\n\nChannel 0: absolutely\n\nChannel 1: know. Like I said\n\nChannel 0: fine. I'm just one of\n\nChannel 1: oh, god.\n\nChannel 0: those. When something doesn't work, I just start clicking all sorts of things and hoping that it'll start to work for me. Technology\n\nChannel 1: Yeah. I\n\nChannel 0: is\n\nChannel 1: know,\n\nChannel 0: not\n\nChannel 1: but\n\nChannel 0: there.\n\nChannel 1: I don't know. Okay. So you will get the signed document by email. It says download. There are other documents waiting for your signature, blah blah blah.\n\nChannel 0: Yep.\n\nChannel 1: Okay. So do I have to do anything else now? What do I do now?\n\nChannel 0: Not So is there anything at the bottom that says finish or completed, or is it just a finalization page?\n\nChannel 1: It says sign up for free. Oh, okay.\n\nChannel 0: No.\n\nChannel 1: Need\n\nChannel 0: That's\n\nChannel 1: to\n\nChannel 0: okay.\n\nChannel 1: sign\n\nChannel 0: You can\n\nChannel 1: documents,\n\nChannel 0: just escape.\n\nChannel 1: and it's got not really. Just it's got the\n\nChannel 0: Nope.\n\nChannel 1: a tick.\n\nChannel 0: Perfect.\n\nChannel 1: Yeah. And then you will get the signed document by email, and I can either download that. Otherwise, yeah, it's kinda just got\n\nChannel 0: Yep.\n\nChannel 1: sign sign request, statement of advice for Julie, blah blah blah, Fenech.\n\nChannel 0: Perfect. It's Julie,\n\nChannel 1: So\n\nChannel 0: it's just\n\nChannel 1: yeah.\n\nChannel 0: come\n\nChannel 1: I\n\nChannel 0: back\n\nChannel 1: mean,\n\nChannel 0: saying\n\nChannel 1: it has\n\nChannel 0: it's\n\nChannel 1: got\n\nChannel 0: all\n\nChannel 1: a\n\nChannel 0: done.\n\nChannel 1: sign or a view little button, but yes. But\n\nChannel 0: No.\n\nChannel 1: it should\n\nChannel 0: That's\n\nChannel 1: be alright.\n\nChannel 0: fine. Yep. It's just come back to me and told me it's all signed and done. So that's you've done everything correctly. Easy.\n\nChannel 1: Yay.\n\nChannel 0: Yay.\n\nChannel 1: Woo hoo.\n\nChannel 0: Thank you so much for that. Did you want me to download a copy of those and have them emailed through to you just so you can review them if you want to later on?\n\nChannel 1: No. That's alright. I just yeah.\n\nChannel 0: That's\n\nChannel 1: No. That's\n\nChannel 0: okay.\n\nChannel 1: fine.\n\nChannel 0: That's alright. If you ever\n\nChannel 1: Yeah.\n\nChannel 0: decide to, you're always welcome to to ask for them, and we'll happily send them through. It's not a problem at all. But, yeah, what we'll\n\nChannel 1: Yep.\n\nChannel 0: do is I'll get the team to download them. We'll start by just doing the investment switch for you. And then in about three weeks, we'll call and go through the the TTR side of things with you, okay,\n\nChannel 1: Yep.\n\nChannel 0: after\n\nChannel 1: Yep.\n\nChannel 0: you've had your holiday. Yeah.\n\nChannel 1: Yep. Thanks, Diana. Thank you so much.\n\nChannel 0: Beautiful. Not a problem at all. I hope you have a good day. Thank you so much for taking my call.\n\nChannel 1: No. Thank you. Thank you. No. And I hope you have a great rest of the week too.\n\nSo\n\nChannel 0: Well, thank you so much.\n\nChannel 1: yeah. Yeah. No. That's okay. So we have actually got some sunshine and blue sky down here.\n\nIt was a chilly two degrees, but anyway, this morning, but that's alright. Oh, and first time, our new our new gym opened up last week. So I went back this morning and did a a 06:00 class. So it was actually good because I haven't done\n\nChannel 0: Yeah.\n\nChannel 1: anything for, like, fifteen months since our old gym closed. So it was actually good to go back and get do a class and, yeah, start to feel normal again. So so\n\nChannel 0: Oh,\n\nChannel 1: it's good.\n\nChannel 0: awesome. Yeah.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: No. That'll\n\nChannel 1: So\n\nChannel 0: be good.\n\nChannel 1: yeah. Alright, Dana. Thank you so much.\n\nChannel 0: My pleasure. You enjoy your day. I'll talk to you soon. If there's any\n\nChannel 1: Love\n\nChannel 0: questions\n\nChannel 1: you.\n\nChannel 0: or anything that come at you, welcome to let me know. Okay?\n\nChannel 1: No worries. Thank you so much for that.\n\nChannel 0: My pleasure. You enjoy. Thank you so much, Julie. Talk to you\n\nChannel 1: Okay.\n\nChannel 0: soon.\n\nChannel 1: Bye.\n\nChannel 0: Thanks. See you later.","paragraphs":[{"sentences":[{"text":"Good morning.","start":0.48,"end":1.14,"sentiment":"neutral","sentiment_score":0.21968117356300354}],"sentiment":"neutral","sentiment_score":0.21968117356300354,"channel":1,"num_words":2,"start":0.48,"end":1.14},{"sentences":[{"text":"Hi.","start":4.56,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.2120385766029358},{"text":"Good morning, Julie.","start":4.7999997,"end":5.68,"sentiment":"positive","sentiment_score":0.33505669236183167},{"text":"This is Dana from OG Financial.","start":5.68,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.22781184812386832},{"text":"How are you?","start":7.8399997,"end":8.74,"sentiment":"neutral","sentiment_score":0.19615035752455393}],"sentiment":"neutral","sentiment_score":0.2440408319234848,"channel":0,"num_words":13,"start":4.56,"end":8.74},{"sentences":[{"text":"Yeah.","start":9.12,"end":9.36,"sentiment":"neutral","sentiment_score":0.21692579984664917},{"text":"Good.","start":9.36,"end":9.599999,"sentiment":"positive","sentiment_score":0.4433046877384186},{"text":"How are you, Dana?","start":9.599999,"end":10.58,"sentiment":"positive","sentiment_score":0.34896961599588394}],"sentiment":"positive","sentiment_score":0.3426848252614339,"channel":1,"num_words":6,"start":9.12,"end":10.58},{"sentences":[{"text":"I'm very well.","start":10.88,"end":11.92,"sentiment":"positive","sentiment_score":0.5527698000272115},{"text":"Thank you.","start":11.92,"end":12.32,"sentiment":"positive","sentiment_score":0.589478075504303},{"text":"How was your weekend?","start":12.32,"end":13.575,"sentiment":"neutral","sentiment_score":0.22041663900017738}],"sentiment":"positive","sentiment_score":0.41321467856566113,"channel":0,"num_words":9,"start":10.88,"end":13.575},{"sentences":[{"text":"I'm just trying to think.","start":16.025,"end":17.225,"sentiment":"neutral","sentiment_score":-0.026153051108121873},{"text":"Oh, not yet.","start":17.225,"end":18.345,"sentiment":"neutral","sentiment_score":-0.06102287148435911},{"text":"Okay.","start":18.345,"end":18.845,"sentiment":"neutral","sentiment_score":-0.03483894467353821},{"text":"My mom, who's 95, ended","start":18.985,"end":21.305,"sentiment":"neutral","sentiment_score":-0.07784432470798493}],"sentiment":"neutral","sentiment_score":-0.052706745586224964,"channel":1,"num_words":14,"start":16.025,"end":21.305},{"sentences":[{"text":"Yeah.","start":21.235,"end":21.735,"sentiment":"neutral","sentiment_score":-0.056598421186208725}],"sentiment":"neutral","sentiment_score":-0.056598421186208725,"channel":0,"num_words":1,"start":21.235,"end":21.735},{"sentences":[{"text":"up in hospital all Friday night, but she's okay.","start":21.305,"end":24.445,"sentiment":"neutral","sentiment_score":-0.09054853187666999}],"sentiment":"neutral","sentiment_score":-0.09054853187666999,"channel":1,"num_words":9,"start":21.305,"end":24.445},{"sentences":[{"text":"Oh,","start":24.035,"end":24.535,"sentiment":"neutral","sentiment_score":-0.019492510706186295}],"sentiment":"neutral","sentiment_score":-0.019492510706186295,"channel":0,"num_words":1,"start":24.035,"end":24.535},{"sentences":[{"text":"She's","start":24.505,"end":24.825,"sentiment":"neutral","sentiment_score":-0.07067312300205231}],"sentiment":"neutral","sentiment_score":-0.07067312300205231,"channel":1,"num_words":1,"start":24.505,"end":24.825},{"sentences":[{"text":"I'm so sorry.","start":24.835,"end":25.974998,"sentiment":"neutral","sentiment_score":-0.10626363505919774}],"sentiment":"neutral","sentiment_score":-0.10626363505919774,"channel":0,"num_words":3,"start":24.835,"end":25.974998},{"sentences":[{"text":"yeah.","start":25.544998,"end":26.044998,"sentiment":"neutral","sentiment_score":-0.04145250469446182}],"sentiment":"neutral","sentiment_score":-0.04145250469446182,"channel":1,"num_words":1,"start":25.544998,"end":26.044998},{"sentences":[{"text":"Yeah.","start":26.595,"end":27.095,"sentiment":"neutral","sentiment_score":-0.0017124423757195473}],"sentiment":"neutral","sentiment_score":-0.0017124423757195473,"channel":0,"num_words":1,"start":26.595,"end":27.095},{"sentences":[{"text":"Yeah.","start":26.825,"end":27.064999,"sentiment":"neutral","sentiment_score":0.0000960174947977066},{"text":"No.","start":27.064999,"end":27.305,"sentiment":"neutral","sentiment_score":-0.026284927502274513},{"text":"But otherwise, she's 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far.","start":153.98,"end":155.35999,"sentiment":"neutral","sentiment_score":-0.11431886628270149},{"text":"20","start":155.5,"end":156.0,"sentiment":"neutral","sentiment_score":-0.013702675700187685}],"sentiment":"neutral","sentiment_score":-0.07174344137310981,"channel":1,"num_words":10,"start":152.37999,"end":156.0},{"sentences":[{"text":"That's","start":155.75499,"end":156.25499,"sentiment":"neutral","sentiment_score":-0.01090954802930355}],"sentiment":"neutral","sentiment_score":-0.01090954802930355,"channel":0,"num_words":1,"start":155.75499,"end":156.25499},{"sentences":[{"text":"72526.","start":156.21999,"end":160.745,"sentiment":"neutral","sentiment_score":-0.0028258548118174076},{"text":"Okay.","start":160.745,"end":161.245,"sentiment":"neutral","sentiment_score":0.05749691650271416}],"sentiment":"neutral","sentiment_score":0.027335530845448375,"channel":1,"num_words":2,"start":156.21999,"end":161.245},{"sentences":[{"text":"okay.","start":161.275,"end":161.775,"sentiment":"neutral","sentiment_score":0.0835396945476532}],"sentiment":"neutral","sentiment_score":0.0835396945476532,"channel":0,"num_words":1,"start":161.275,"end":161.775},{"sentences":[{"text":"Alright.","start":161.305,"end":161.78499,"sentiment":"neutral","sentiment_score":0.17151573300361633},{"text":"Yes.","start":161.78499,"end":162.265,"sentiment":"neutral","sentiment_score":0.28238391876220703}],"sentiment":"neutral","sentiment_score":0.22694982588291168,"channel":1,"num_words":2,"start":161.305,"end":162.265},{"sentences":[{"text":"Beautiful.","start":161.915,"end":162.415,"sentiment":"positive","sentiment_score":0.5268763899803162}],"sentiment":"positive","sentiment_score":0.5268763899803162,"channel":0,"num_words":1,"start":161.915,"end":162.415},{"sentences":[{"text":"Okay.","start":162.265,"end":162.765,"sentiment":"positive","sentiment_score":0.4223570227622986}],"sentiment":"positive","sentiment_score":0.4223570227622986,"channel":1,"num_words":1,"start":162.265,"end":162.765},{"sentences":[{"text":"All good.","start":163.515,"end":163.915,"sentiment":"positive","sentiment_score":0.5412592440843582}],"sentiment":"positive","sentiment_score":0.5412592440843582,"channel":0,"num_words":2,"start":163.515,"end":163.915},{"sentences":[{"text":"Yep.","start":163.78499,"end":164.28499,"sentiment":"neutral","sentiment_score":0.2419450581073761}],"sentiment":"neutral","sentiment_score":0.2419450581073761,"channel":1,"num_words":1,"start":163.78499,"end":164.28499},{"sentences":[{"text":"So with your pay slip, we went through and had a really good look at your income and how that sort of works.","start":163.915,"end":168.99,"sentiment":"neutral","sentiment_score":0.32016612783722254},{"text":"And on the pay slip that you kinda showed us with your employer contributions, you're getting employer contributions not only on your base rate, but also on the penalties as well for the Sunday and through the 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good.","start":190.905,"end":194.765,"sentiment":"positive","sentiment_score":0.3830710764114673}],"sentiment":"neutral","sentiment_score":0.21412329974575578,"channel":0,"num_words":107,"start":163.915,"end":194.765},{"sentences":[{"text":"Yes.","start":195.315,"end":195.81,"sentiment":"neutral","sentiment_score":0.19325560331344604}],"sentiment":"neutral","sentiment_score":0.19325560331344604,"channel":1,"num_words":1,"start":195.315,"end":195.81},{"sentences":[{"text":"What we're gonna do is there's no change to the strategy.","start":196.21999,"end":199.5,"sentiment":"neutral","sentiment_score":0.08504316481676968},{"text":"We still wanna do the TTR.","start":199.5,"end":200.95999,"sentiment":"neutral","sentiment_score":0.14306862776478133},{"text":"We're just sort of rejig to make sure that we were accounting for your contributions correctly.","start":201.01999,"end":205.28,"sentiment":"neutral","sentiment_score":0.11545616807416081},{"text":"So at the moment, your income 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welcome to let me know.","start":1265.115,"end":1267.3551,"sentiment":"neutral","sentiment_score":0.32187425616112625},{"text":"Okay?","start":1267.3551,"end":1267.8551,"sentiment":"neutral","sentiment_score":0.2395227551460266}],"sentiment":"neutral","sentiment_score":0.31501163107653457,"channel":0,"num_words":12,"start":1265.115,"end":1267.8551},{"sentences":[{"text":"No worries.","start":1268.2151,"end":1268.775,"sentiment":"neutral","sentiment_score":0.3326377123594284},{"text":"Thank you so much for that.","start":1268.775,"end":1270.3151,"sentiment":"positive","sentiment_score":0.8153413136800131}],"sentiment":"positive","sentiment_score":0.6946654133498669,"channel":1,"num_words":8,"start":1268.2151,"end":1270.3151},{"sentences":[{"text":"My pleasure.","start":1270.8289,"end":1271.3889,"sentiment":"positive","sentiment_score":0.8438226878643036},{"text":"You enjoy.","start":1271.3889,"end":1272.1089,"sentiment":"positive","sentiment_score":0.7859627902507782},{"text":"Thank you so much, Julie.","start":1272.1089,"end":1273.2289,"sentiment":"positive","sentiment_score":0.7975229144096374},{"text":"Talk to you","start":1273.2289,"end":1273.7089,"sentiment":"positive","sentiment_score":0.5214291115601858}],"sentiment":"positive","sentiment_score":0.7342894052465757,"channel":0,"num_words":12,"start":1270.8289,"end":1273.7089},{"sentences":[{"text":"Okay.","start":1273.655,"end":1274.155,"sentiment":"neutral","sentiment_score":0.273390531539917}],"sentiment":"neutral","sentiment_score":0.273390531539917,"channel":1,"num_words":1,"start":1273.655,"end":1274.155},{"sentences":[{"text":"soon.","start":1273.7089,"end":1274.2089,"sentiment":"neutral","sentiment_score":0.2630540132522583}],"sentiment":"neutral","sentiment_score":0.2630540132522583,"channel":0,"num_words":1,"start":1273.7089,"end":1274.2089},{"sentences":[{"text":"Bye.","start":1274.2151,"end":1274.7151,"sentiment":"neutral","sentiment_score":0.28581273555755615}],"sentiment":"neutral","sentiment_score":0.28581273555755615,"channel":1,"num_words":1,"start":1274.2151,"end":1274.7151},{"sentences":[{"text":"Thanks.","start":1274.8289,"end":1275.2289,"sentiment":"positive","sentiment_score":0.6185932755470276},{"text":"See you later.","start":1275.2289,"end":1276.049,"sentiment":"neutral","sentiment_score":0.27249499907096225}],"sentiment":"positive","sentiment_score":0.3590195681899786,"channel":0,"num_words":4,"start":1274.8289,"end":1276.049}]},"summary":{"result":"success","short":"Representatives from OG Financial and a retirement planner speak with customers about their retirement strategies and income. They emphasize the importance of updating income information and offer assistance with overtime payroll and beneficiary nomination. The speakers also explain the benefits of working with super and offer assistance with overtime payroll. Customers are advised to apply a beneficiary nomination and retain their current super if they pass their pension payments. The process for signing and returning documents and transferring bank details is explained, and assistance is offered with any questions or concerns."},"intents":{"segments":[{"text":"If you press that button, then it lets you go through and access the document. Yeah. Okay.","start_word":354,"end_word":370,"intents":[{"intent":"Access document","confidence_score":0.7879961},{"intent":"Access document","confidence_score":0.23917401},{"intent":"Access document","confidence_score":0.8445664}]},{"text":"I've just moved the headset up a little bit. Is that Yeah.","start_word":431,"end_word":442,"intents":[{"intent":"Adjust headset","confidence_score":0.20854062}]},{"text":"So with your pay slip, we went through and had a really good look at your income and how that sort of works.","start_word":488,"end_word":510,"intents":[{"intent":"Adjust revenue","confidence_score":0.000022926588}]},{"text":"So with your pay slip, we went through and had a really good look at your income and how that sort of works. And on the pay slip that you kinda showed us with your employer contributions, you're getting employer contributions not only on your base rate, but also on the penalties as well for the Sunday and through the week. So when we kind of went through and checked your income, you're currently based on that one pay slip.","start_word":488,"end_word":567,"intents":[{"intent":"Check income","confidence_score":0.65624434}]},{"text":"What we're gonna do is there's no change to the strategy. We still wanna do the TTR. We're just sort of rejig to make sure that we were accounting for your contributions correctly.","start_word":596,"end_word":628,"intents":[{"intent":"Account for contributions","confidence_score":0.009027665}]},{"text":"You'll end up putting 22,807 into the super fund over the course of the year. That then reduced your taxable income down to $57,009.09 6, and that reduced your tax on that to $8,009.39.","start_word":774,"end_word":807,"intents":[{"intent":"Manage pension funds","confidence_score":0.00015097382}]},{"text":"So you can sort of see how this works because you're putting more money into super. And in order to replenish your income, we'd have we cannot we can draw less out, which is good.","start_word":1026,"end_word":1060,"intents":[{"intent":"Refill income","confidence_score":0.3514757}]},{"text":"The good side of the strategy is that you're putting more into super, which benefits you over the longer term, and the advantage there as you reduce your income tax payable from your income, which is kind of cool. Okay? Yeah.","start_word":1099,"end_word":1139,"intents":[{"intent":"Reduce income tax payable","confidence_score":0.2910218},{"intent":"Reduce income tax payable","confidence_score":0.002836988}]},{"text":"Because I have I hate getting my tax done. Like Yeah.","start_word":1141,"end_word":1151,"intents":[{"intent":"Reassure about retiring job","confidence_score":0.0000098487435}]},{"text":"It does produce a bit more tax free income for you, and Yes. it replenishes your income nicely. And if you scroll down to page number 32 for me, you'll see a sense of the projected outcome.","start_word":1329,"end_word":1365,"intents":[{"intent":"Propose future income","confidence_score":0.0009261214}]},{"text":"And if you scroll down to page number 32 for me, you'll see a sense of the projected outcome.","start_word":1347,"end_word":1365,"intents":[{"intent":"Provide income forecast","confidence_score":0.00062271656}]},{"text":"So once we've sort of implemented the strategy there, we've done the investment switch as well as we went through last time. With the projected outcome in the next sort of six years, you can sort of estimate that you should have about 625,000 in super. So we can sort of see that grow pretty significantly over the next few years towards your Yep. No.","start_word":1367,"end_word":1431,"intents":[{"intent":"Apply strategy","confidence_score":0.005630686}]},{"text":"It was just making sure we had your income fairly accurate. The benefit Yep.","start_word":1575,"end_word":1588,"intents":[{"intent":"Ensure income accuracy","confidence_score":0.007493454}]},{"text":"sure that we do catch up with you, and I do regular, you know, three monthly reviews just to make sure we're checking your contributions. If and when we feel like you might be exceeding the cap or too close to the cap, then we'll double check what catch up contributions you might have from previous years to make sure Yeah.","start_word":1631,"end_word":1691,"intents":[{"intent":"Check contributions","confidence_score":0.5303154}]},{"text":"They'll do the app Yep. a the application form for you.","start_word":2108,"end_word":2118,"intents":[{"intent":"Add to application form","confidence_score":0.0002386408}]},{"text":"We'll do the investment switch as well so that the investments are all switched. It takes about between one to sort of three weeks to complete the investment switch completely. So Yep. the Yeah.","start_word":2119,"end_word":2152,"intents":[{"intent":"Complete investment switch","confidence_score":0.83400595},{"intent":"Complete investment switch","confidence_score":0.031129327},{"intent":"Make investment switch","confidence_score":0.005039025}]},{"text":"If you just we fly home from Darwin. So, like, anything from I think I'm actually yeah. So anything from Friday, August 28, we're home, I think, late late late on that Thursday night.","start_word":2211,"end_word":2244,"intents":[{"intent":"Attend vacation","confidence_score":0.00043514947}]},{"text":"I'll get them to touch base in about three to four weeks for Yep. you.","start_word":2340,"end_word":2354,"intents":[{"intent":"Touch base","confidence_score":0.002563718}]},{"text":"So, Dana, so what do I do I have to do anything today Okay? then?","start_word":2499,"end_word":2513,"intents":[{"intent":"Answer questions","confidence_score":0.01458229}]},{"text":"Because it uses your IP address as your signature verification, so that won't be a problem. So you can either it's sometimes a bit funny for me. So sometimes it'll let you click on the date. If it doesn't, press next, and it should go through and start to prepopulate the date for Okay.","start_word":2906,"end_word":2959,"intents":[{"intent":"Fix login issue","confidence_score":0.0018070285}]},{"text":"You can if you it's not meant to be mandatory. It's meant to be optional, but you might just need to put NA in that box where it says multiline or just put an n or something. So in which box though, you're saying?","start_word":3112,"end_word":3155,"intents":[{"intent":"Navigate box","confidence_score":0.0005085761}]},{"text":"The box that says multiline on the signing page Oh, yeah.","start_word":3155,"end_word":3165,"intents":[{"intent":"Access multiline","confidence_score":0.035536405}]},{"text":"I get how do I write in that? Like, how do I do that?","start_word":3177,"end_word":3190,"intents":[{"intent":"Write in number","confidence_score":0.018965514},{"intent":"Log in to email","confidence_score":0.009916217}]},{"text":"As I'm trying to, like, ride in it, my the screen's just moving around. Right. Okay.","start_word":3240,"end_word":3255,"intents":[{"intent":"Move around screen","confidence_score":0.0011068747}]},{"text":"What else do we do?","start_word":3259,"end_word":3263,"intents":[{"intent":"Do anything","confidence_score":0.0039380146}]},{"text":"to access I the know. computer. I know.","start_word":3278,"end_word":3285,"intents":[{"intent":"Access computer","confidence_score":0.6939398}]},{"text":"That's okay. Worst case, we can just go out and try again. Okay.","start_word":3305,"end_word":3317,"intents":[{"intent":"Try again","confidence_score":0.107564256}]},{"text":"Just go back to the original email there, and we'll just go through again and give it another try.","start_word":3325,"end_word":3343,"intents":[{"intent":"Take back to email","confidence_score":0.0000031429006}]},{"text":"So you will get the signed document by email. It says download. There are other documents waiting for your signature, blah blah blah. Yep. Okay.","start_word":3606,"end_word":3630,"intents":[{"intent":"Access document","confidence_score":0.001612534}]},{"text":"Did you want me to download a copy of those and have them emailed through to you just so you can review them if you want to later on? No.","start_word":3800,"end_word":3829,"intents":[{"intent":"Download and send copies","confidence_score":0.019978682}]},{"text":"Oh, and first time, our new our new gym opened up last week. So I went back this morning and did a a 06:00 class. So it was actually good because I haven't done Yeah. anything for, like, fifteen months since our old gym closed. So it was actually good to go back and get do a class and, yeah, start to feel normal again.","start_word":4002,"end_word":4066,"intents":[{"intent":"Schedule class","confidence_score":0.0008906375}]},{"text":"If there's any Love questions you.","start_word":4099,"end_word":4104,"intents":[{"intent":"Answer questions","confidence_score":0.65095973}]}]},"sentiments":{"segments":[{"text":"Good morning. Hi. Good morning, Julie. This is Dana from OG Financial. How are you? Yeah.","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.23354054987430573},{"text":"Good. How are you, Dana? I'm very well. Thank you.","start_word":16,"end_word":25,"sentiment":"positive","sentiment_score":0.4623624086380005},{"text":"How was your weekend? I'm just trying to think. Oh, not yet. Okay. My mom, who's 95, ended Yeah. up in hospital all Friday night, but she's okay. Oh, She's I'm so sorry. yeah. Yeah. Yeah. No. But otherwise, she's okay. Yeah. Because she still lives on her own, but we're gonna and she's quite happy to go into the a nursing home because she's just a little bit, I think, lonely, but, you know, like, she's yeah. She's 95. So but yeah. But otherwise okay. I work Sunday.","start_word":26,"end_word":114,"sentiment":"neutral","sentiment_score":0.022494450211524963},{"text":"Nice.","start_word":115,"end_word":115,"sentiment":"positive","sentiment_score":0.3783501386642456},{"text":"Nice. A bit of So extra yeah. money So there. I didn't get much of a weekend because I just when mom come home Saturday morning, my because my brother and sister-in-law stayed with her at the hospital all night Friday night. Yeah. So then I just stayed with her on Saturday, all day Saturday. So yeah. So yeah. But anyway, that's alright.","start_word":116,"end_word":178,"sentiment":"neutral","sentiment_score":0.002145593287423253},{"text":"Oh, fantastic.","start_word":179,"end_word":180,"sentiment":"positive","sentiment_score":0.44116079807281494},{"text":"Yeah. Oh, cool. Well, I know you're about to go away and have to have a bit of a holiday there as well. But Yes. I just had just had the updated advice document to send back through to you. Do you have access to your emails? Are Are you able to open that one up for me at the moment at all? Okay. Let's have a look. That's okay. You're right. Just kinda went back and rejig that TTR strategy for you just with your income. Okay. Okay. Beautiful. Here we Beautiful. go. Okay. So go into show images. Okay. Alright. So okay. What do I have to Yeah. do now? Just click So, on the anything? yep, that's the one. And if you go down to page number 26, when Wait a minute. So okay. So I've pressed on the that, but nothing's opening. Why it not? lets you Do I have open to up press that maybe advice the sign document there document thing That's for it to open? yeah. If you press that button, then it lets you go through and access the document. Yeah. Okay. Alright. So we're back to yep. Alright. So what page Yep. was it where you have to go to? Page number 26. 26. Okay. It's a little bit hard for me to hear you, but that's okay. Oh, I've got it is on speaker, but it's just a little it bit soft. That's all. is that a little bit better? I've just moved the headset up a little bit. Is that Yeah. a little bit better at all? No. Not really. Oh, I'm so sorry. I'll try No. That's to speak alright. up a bit more. Oh, god. What's that? 30. You've gone too far. 20 That's 72526. Okay. okay. Alright. Yes.","start_word":181,"end_word":482,"sentiment":"neutral","sentiment_score":-0.002976166540818498},{"text":"Beautiful. Okay. All good.","start_word":483,"end_word":486,"sentiment":"positive","sentiment_score":0.4953292906284332},{"text":"Yep. So with your pay slip, we went through and had a really good look at your income and how that sort of works. And on the pay slip that you kinda showed us with your employer contributions, you're getting employer contributions not only on your base rate, but also on the penalties as well for the Sunday and through the week. So when we kind of went through and checked your income, you're currently based on that one pay slip. If you even over the course of the year, expected to get about $80,007.73.","start_word":487,"end_word":581,"sentiment":"neutral","sentiment_score":0.18500617146492004},{"text":"So your income is definitely higher than your base rate, which is good.","start_word":582,"end_word":594,"sentiment":"positive","sentiment_score":0.3753249943256378},{"text":"Yes. What we're gonna do is there's no change to the strategy. We still wanna do the TTR. We're just sort of rejig to make sure that we were accounting for your contributions correctly. So at the moment, your income estimated is $80,007.07 3. Your current salary sacrifice for the year is 7,800. That brings your taxable income down to $7.02 $9.07 3, and income tax income tax on that amount is estimated at 13,000 for the year. That basically means your take home pay currently is about 59,102. So what we're gonna do is open up that second account, which is that PTR pension account. We're Yep. going to move sorry. We're gonna move about 112,000 over and leave about three hun 369,095 sitting in the in the accumulation phase. Yes. What we're gonna do is we've got on the proposed side, your income is 80,000 to begin with. We're gonna increase your contributions up to 22,807. So we're gonna add on to the current salary sacrifice. So you're putting more into super, and it works Yep. out.","start_word":595,"end_word":773,"sentiment":"neutral","sentiment_score":0.09468896965907272},{"text":"You'll end up putting 22,807 into the super fund over the course of the year.","start_word":774,"end_word":788,"sentiment":"positive","sentiment_score":0.4022401571273804},{"text":"That then reduced your taxable income down to $57,009.09 6, and that reduced your tax on that to $8,009.39.","start_word":789,"end_word":807,"sentiment":"neutral","sentiment_score":0.31544527411460876},{"text":"So it's good it reduced your tax.","start_word":808,"end_word":814,"sentiment":"positive","sentiment_score":0.7261782884597778},{"text":"But because it has reduced your taxable income and your after tax income down to 49,000, we need to replenish that. So we're then going to withdraw 10,080 on a yearly basis. We'll do it in increments. It can be done fortnightly or weekly in line with your income. And when the team calls to get your bank details to do the application form, they'll also just confirm when you want those pension payments to begin, whether you want them the same day as your income or whether you want them to be, you know, the week the week outside of that. So you can just let us know what day you want those to occur. Yeah. Well, we get paid no. Our pay normally goes in, like, a late, say, late Wednesday. So even the Thursday or the Friday of that week, fortnightly, yeah, would Yep. be just makes sense because And fortnightly? I know that it's coming out, like, most things come out sort of on payday and stuff Yes. like that. Yes. But yeah. Absolutely. Yeah. No. Not a problem at all. So for the 10,080 that you'll be withdrawing out of the pension account for the year, it works out to be about $387. 69 per fortnight.","start_word":815,"end_word":1024,"sentiment":"neutral","sentiment_score":0.14245260478485197},{"text":"So you can sort of see how this works because you're putting more money into super. And in order to replenish your income, we'd have we cannot we can draw less out, which is good.","start_word":1025,"end_word":1059,"sentiment":"positive","sentiment_score":0.5039103031158447},{"text":"And then Yep. once you've done that, you then have your take home payback at that 59,107.","start_word":1060,"end_word":1076,"sentiment":"neutral","sentiment_score":0.2694246768951416},{"text":"So it's a little bit higher than what you currently get now, and it's Yep. it's kinda replenishing your income there. The good side of the strategy is that you're putting more into super, which benefits you over the longer term, and the advantage there as you reduce your income tax payable from your income, which is kind of cool.","start_word":1077,"end_word":1136,"sentiment":"positive","sentiment_score":0.6049896478652954},{"text":"Okay? Yeah. Absolutely. Because I have I hate getting my tax done. Like Yeah. like, just for forever, like, pretty much my jobs that I've had, like, I've not that I've I've only probably had, like, five jobs overall because I've sort Yeah. of been there. You know? Like, I've always stayed till, like, you know, ten, eleven, twelve years, and and then a couple were all kinda, like, made redundant so, you know, I didn't have a choice. But yeah. Like and, like, our uniform ever since supply, like, so I really can't claim anything, and it just annoys me because I think getting nothing back. Like, it's it's just Yeah. yeah. I mean, not that yeah. It's just I I I hate doing it because I either have to pay something small or I I don't Yeah. get anything back, and it's like but Yeah. anyway but No. That's good.","start_word":1137,"end_word":1288,"sentiment":"neutral","sentiment_score":-0.09735319763422012},{"text":"Well, the good part about this is because you're over 60, the amount that you're drawing out of that TCR yeah. pension account is tax free. So it does reduce how much income tax you're gonna have to pay. It does produce a bit more tax free income for you, and Yes. it replenishes your income nicely.","start_word":1289,"end_word":1345,"sentiment":"positive","sentiment_score":0.46108749508857727},{"text":"And if you scroll down to page number 32 for me, you'll see a sense of the projected outcome. So once we've sort of implemented the strategy there, we've done the investment switch as well as we went through last time. With the projected outcome in the next sort of six years, you can sort of estimate that you should have about 625,000 in super. So we can sort of see that grow pretty significantly over the next few years towards your Yep. No.","start_word":1346,"end_word":1429,"sentiment":"neutral","sentiment_score":0.20754178152197883},{"text":"That retirement. sounds really good. Yeah. Yes. Beautiful. Yes. Thank you. That's okay.","start_word":1430,"end_word":1442,"sentiment":"positive","sentiment_score":0.5059183239936829},{"text":"We will make sure that you have a beneficiary nomination applied as well. So when we open Yep. a new pension account, we'll send you a beneficiary nomination. Our team can help to prefill that if you need as well. It's just Yep. making sure that nomination is made out. So in the event of you passing your pension payments, your, you know, super and your pension are reflective and are paid to where you want them to go. Yep. And if you've got some time and wanna run back through the other side of the document, the first sort of sections is just retaining your current super fund and doing the investments, which as we went through last time. So there's no real change to any of that other strategy. It was just making sure we had your income fairly accurate. The benefit Yep. is Yep. you seem to take quite a bit of extra work and overtime when it's on office. So this is kind Absolutely. of looking at your base based on on the pay slip that we saw last time. We'll make Yes. sure that we do catch up with you, and I do regular, you know, three monthly reviews just to make sure we're checking your contributions. If and when we feel like you might be exceeding the cap or too close to the cap, then we'll double check what catch up contributions you might have from previous years to make sure Yeah. you're Yeah. okay. That's right. And because that payslip Yeah. that I showed you, that was, like, I think it might have only had, like, one day over time maybe Yeah. or two bits. You know, I only like, had, back like, in one the hour. day Yeah. you know? Yeah. But but back in the day, like, when I started with post, it was through COVID. So we were just flat out. And, like, like, I think last week, I think I did I'm on the early shift. So, like, I was starting at 10:00 in the morning. I haven't got a message today what what if there's overtime today or not. But, you know, like, we're getting a couple of hours last week. I I think Yeah. a couple of days, I've I think I started at 10:00 because it was two hours overtime. But so the one that I gave you was probably good in one way because it was only maybe that one hour overtime. So Yeah. if worst case scenario, it is, like, no overtime, well, that's sort of what you can work off. And Yeah. if I do overtime, well, it's, I I suppose, a bonus. But Absolutely. Yeah. yeah. Doing Yeah. overtime Because, just you means know, you end like, up I with can't more money. to some Yeah. page, can you know, like, if I've done overtime every day and and stuff Mhmm. like that, you know, like, I can sort of bring home, like, $2.08, $3 sort of that fortnightly. But yeah. But otherwise yeah. It's yeah. You're better off going on that base, but they're pretty much the base rate. So yeah.","start_word":1443,"end_word":1972,"sentiment":"neutral","sentiment_score":0.04144012009338388},{"text":"Absolutely.","start_word":1973,"end_word":1973,"sentiment":"positive","sentiment_score":0.33546581864356995},{"text":"It kind of gives you the the base rate with what you were working at one pace. It kinda gives us the lowest expectation of what you should earn on a weekly or fortnightly basis. Yes. So then Yes. any additional overtime on top that only, you know, provides a benefit to you and put gives you Yes. more money at the end of the day. So yeah. Yeah. Absolutely. That's right. Yeah. Yeah. Yeah. Yep.","start_word":1974,"end_word":2049,"sentiment":"neutral","sentiment_score":0.24636250734329224},{"text":"Beautiful.","start_word":2050,"end_word":2050,"sentiment":"positive","sentiment_score":0.5484864711761475},{"text":"Okay. So what do we have to do now then? What do I have to do So now? yeah. So once you're happy to go ahead with that one, we'll get you to sign and Yep. return the document back. Our team will then give you a call. They'll make sure they get your bank details. They'll do the app Yep. a the application form for you. We'll do the investment switch as well so that the investments are all switched. It takes about between one to sort of three weeks to complete the investment switch completely. So Yep. the Yeah. TTM That's alright. might Well, not like I take said, a little bit. like, we got we're heading away on Friday for a month. So, Yep. Maybe like we start that when it come when you come back to make it yeah. easy. So, The investment like, we're switch in back the meantime. yeah. So, like, we're back. If you just we fly home from Darwin. So, like, anything from I think I'm actually yeah. So anything from Friday, August 28, we're home, I think, late late late on that Thursday night. So anything from that, Yep. Yep. I'm home, and I think I'm back to work on a Sunday. But, yeah, so maybe the end of next month would be yeah. Yeah. Because we're sorta gonna be here and there in the caravan and then Yep. up to Darwin and all that sort of stuff. So, yeah, that would be great if that's okay. Yep. Yeah. Absolutely. So what we'll do is we'll start once you sign and return the documents back, I'll let the team know we'll do the investment switch first, and then Yep. I'll get them to touch base in about three to four weeks for Yep. you. Yep. And then they can you know, we're ready to do the TTR side of things, so they can get your bank details, get you to sign the doc then. That way, you can enjoy your holiday, and then we'll be ready to move on to the TTR side of things when you're back at Yes. work. Okay? Yes. Yes. Yes. Yes.","start_word":2051,"end_word":2415,"sentiment":"neutral","sentiment_score":0.09909395179519914},{"text":"Yes. Fantastic. Excellent.","start_word":2416,"end_word":2418,"sentiment":"positive","sentiment_score":0.627431333065033},{"text":"And if you find you have any questions in the meantime, let me know. Feel free to take some time to read you the document if you want to. Yes.","start_word":2419,"end_word":2448,"sentiment":"neutral","sentiment_score":0.22789505819479625},{"text":"Yes. I've reattached all the the product disclosure statements and things there as well for you.","start_word":2449,"end_word":2464,"sentiment":"positive","sentiment_score":0.4450628161430359},{"text":"So that is all there and all good, and I'll void the last document that we sent out from last time. Yep. This that way you're sort of all covered there. Yep. Alright. So, Dana, so what do I do I have to do anything today Okay? then? It's up to you. If you're comfortable signing and returning it back, you I can. am. I'd rather do If it you while wanna you're on the phone. I'd rather that's do it fine. while because I've got you on the phone because like I said, I've only got my phone. Like, we only have our Yeah. phone, so I'm just That's hoping fine. that stuff works. You know what I mean? Yeah. Absolutely. So if you're comfortable to do so, at the bottom of the document or if you see, it should be a little sign button. You should either see next or if you can scroll down to the last page, it'll have a little signing section for you. All you Yes. do is So click it on says that section. please please sign below. Yep. So where it says it's got Julie Fenig and then it's got signature. Yep. You should just So click do on I the signature. so I click onto that. Okay. Yep. So what's come up is kinda like a generic, you know, like it's got Julie Fenwick blah blah Yep. blah. A So pre do I a pre press done up signature. Yep. so do I it says sign all or sign, You and then it's got it's got me it's got three options. It says sign all, sign, or cancel. So do I just so press sign all? you you can press sign or if you're comfortable using that signature.","start_word":2465,"end_word":2761,"sentiment":"neutral","sentiment_score":0.07136435806751251},{"text":"That's absolutely fine.","start_word":2762,"end_word":2764,"sentiment":"positive","sentiment_score":0.36330175399780273},{"text":"This Yes. is a That's prepopulated fine. It's pretty much one. it Yeah. it yeah. Alright. So Pretty I'll do close. that and see if that works. Okay. That's okay. Sign all the sections, and then So you should see a little button that says date. next Sometimes it oh, wants date. you to Yes. press Sorry. on that. Date next to Yep. it. Got it. That's it's so small Beautiful. on my Oh, is it? phone. I can't even see that. So do I how do I put the date in there? Oh, So no. It's got press what's the date today? Is the date the twenty seventh? it's the twenty eighth, but they've Oh, probably that's just it's probably it. it goes back a little bit weird. So sometimes it uses yesterday's date, but that'll be honestly okay. Because it uses your IP address as your signature verification, so that won't be a problem. So you can either it's sometimes a bit funny for me. So sometimes it'll let you click on the date. If it doesn't, press next, and it should go through and start to prepopulate the date for Okay. Yeah. Okay. Let me you. go. Yeah. That's okay. Oh, like, I press on to the date part, but it's not really doing anything. So if I just press next and see what Yep. happens Absolutely. okay. Oh, god. Now what is happening? That's Okay. okay. It's not What's it doing now for you? nothing really. No. Not really anything. It's just sort of taking me back to that screen really. Like, it wants to me to sign or something maybe. I don't know. It's not really doing anything. Is It's there just a button that says next or taking me well, I it is. Like, under my phone, it's saying next down there. So I'm pressing that, but mhmm. it's just sort of taking me back up to that signing page. Okay. Okay. So what it might have there now you'll have a little box that says multiline in it. You can if you it's not meant to be mandatory. It's meant to be optional, but you might just need to put NA in that box where it says multiline or just put an n or something. So in which box though, you're saying? The box that says multiline on the signing page Oh, yeah. above, It does. you see But this down. how do Yeah. I get how do I write in that? Like, how do I do that? It's not letting me because like I said, I've only got my phone. That's okay. Just click on the box, and it should But yeah. come up with I a am. little But it's still yep.","start_word":2765,"end_word":3225,"sentiment":"neutral","sentiment_score":-0.006495727226138115},{"text":"not really.","start_word":3226,"end_word":3227,"sentiment":"negative","sentiment_score":-0.36375170946121216},{"text":"It's not letting me it's Not just doing moving around. anything. As I'm trying to, like, ride in it, my the screen's just moving around. Right. Okay. I don't know. What else do we do? It's gen it is a lot easier on a computer if you're able Yeah. to access I the know. computer. I know. I know. We Yeah. don't have That's okay. so I don't know what else to do. Okay. No. No. That's okay. Worst case, we can just go out and try again. Okay. So completely go out or Yep. Yep. Just go back to the original email there, and we'll just go through again and give it another try. Could just be loading as well, taking okay. a bit of time to think about Oh, it. probably not, though. Love technology when it wants to work. Yeah. Look. And and I'm just I have no idea, honestly. That's why I don't know. Yeah. No. It's still not really joining anything. Like, I pressed that next, and it's just saying, please, like, in that multiline. It comes back up to that, but Is it letting Yeah. you when you click on it, is it letting you put, like, an n or a letter or I'm anything trying in there? to, but not really.","start_word":3228,"end_word":3445,"sentiment":"neutral","sentiment_score":-0.07533968240022659},{"text":"It's not letting me kinda do anything.","start_word":3446,"end_word":3452,"sentiment":"negative","sentiment_score":-0.6056504249572754},{"text":"Okay. Let me try again. That's okay. Sorry about that. Oh, hang on. If I hold on to it and if I write I am I'm actually typing n a. Yep.","start_word":3453,"end_word":3483,"sentiment":"neutral","sentiment_score":-0.05647452175617218},{"text":"Perfect.","start_word":3484,"end_word":3484,"sentiment":"positive","sentiment_score":0.35867011547088623},{"text":"Like, it's right up in the top of the corner, but oh, Oh, god.","start_word":3485,"end_word":3498,"sentiment":"neutral","sentiment_score":0.054910581558942795},{"text":"it's too hard to see.","start_word":3499,"end_word":3503,"sentiment":"negative","sentiment_score":-0.3366546630859375},{"text":"It's too little. And then now it's saying validate. So do I press that? Yep. Press the validate Okay. button. Because I've actually here, I'm thinking I had to actually, like, use my finger, but I've just actually typed it in. Yep. Maybe I was No. supposed That's to okay. do that. You're I don't absolutely know. Like I said fine. I'm just one of oh, god. those. When something doesn't work, I just start clicking all sorts of things and hoping that it'll start to work for me. Technology Yeah. I is know, not but there. I don't know. Okay. So you will get the signed document by email. It says download. There are other documents waiting for your signature, blah blah blah. Yep. Okay. So do I have to do anything else now? What do I do now? Not So is there anything at the bottom that says finish or completed, or is it just a finalization page? It says sign up for free. Oh, okay. No. Need That's to okay. sign You can documents, just escape. and it's got not really. Just it's got the Nope. a tick. Perfect. Yeah. And then you will get the signed document by email, and I can either download that. Otherwise, yeah, it's kinda just got Yep. sign sign request, statement of advice for Julie, blah blah blah, Fenech. Perfect. It's Julie, So it's just yeah. come I back mean, saying it has it's got all a done. sign or a view little button, but yes. But No. it should That's be alright. fine. Yep. It's just come back to me and told me it's all signed and done.","start_word":3504,"end_word":3781,"sentiment":"neutral","sentiment_score":-0.020719265337470625},{"text":"So that's you've done everything correctly. Easy. Yay. Yay. Woo hoo. Thank you so much for that.","start_word":3782,"end_word":3798,"sentiment":"positive","sentiment_score":0.5227282047271729},{"text":"Did you want me to download a copy of those and have them emailed through to you just so you can review them if you want to later on? No. That's alright. I just yeah. That's No. That's okay. fine. That's alright. If you ever Yeah. decide to, you're always welcome to to ask for them, and we'll happily send them through. It's not a problem at all. But, yeah, what we'll Yep. do is I'll get the team to download them. We'll start by just doing the investment switch for you. And then in about three weeks, we'll call and go through the the TTR side of things with you, okay, Yep. after Yep. you've had your holiday. Yeah. Yep.","start_word":3799,"end_word":3919,"sentiment":"neutral","sentiment_score":0.14685232937335968},{"text":"Thanks, Diana. Thank you so much. Beautiful. Not a problem at all. I hope you have a good day. Thank you so much for taking my call.","start_word":3920,"end_word":3946,"sentiment":"positive","sentiment_score":0.45064449310302734},{"text":"No. Thank you. Thank you. No. And I hope you have a great rest of the week too. So Well, thank you so much. yeah. Yeah. No. That's okay. So we have actually got some sunshine and blue sky down here. It was a chilly two degrees, but anyway, this morning, but that's alright. Oh, and first time, our new our new gym opened up last week. So I went back this morning and did a a 06:00 class. So it was actually good because I haven't done Yeah. anything for, like, fifteen months since our old gym closed.","start_word":3947,"end_word":4045,"sentiment":"neutral","sentiment_score":0.1567191630601883},{"text":"So it was actually good to go back and get do a class and, yeah, start to feel normal again. So so Oh, it's good. awesome.","start_word":4046,"end_word":4071,"sentiment":"positive","sentiment_score":0.3877350687980652},{"text":"Yeah. Yeah. Yeah. No. That'll So be good. yeah. Alright, Dana.","start_word":4072,"end_word":4082,"sentiment":"neutral","sentiment_score":0.13881126046180725},{"text":"Thank you so much. My pleasure. You enjoy your day.","start_word":4083,"end_word":4092,"sentiment":"positive","sentiment_score":0.5275292992591858},{"text":"I'll talk to you soon. If there's any Love questions you. or anything that come at you, welcome to let me know. Okay?","start_word":4093,"end_word":4115,"sentiment":"neutral","sentiment_score":0.2688369718582734},{"text":"No worries. Thank you so much for that. My pleasure. You enjoy. Thank you so much, Julie. Talk to you Okay.","start_word":4116,"end_word":4136,"sentiment":"positive","sentiment_score":0.6905333995819092},{"text":"soon. Bye.","start_word":4137,"end_word":4138,"sentiment":"neutral","sentiment_score":0.27670925855636597},{"text":"Thanks. See you later.","start_word":4139,"end_word":4142,"sentiment":"positive","sentiment_score":0.5337258577346802}],"average":{"sentiment":"neutral","sentiment_score":0.08549140210034746}}}}