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Before I jump into it, I do need to let you know our calls are recorded. And if I could just get you confirmed security, full name, date of birth, and address. Perfect. Thank you for that. Okay. So I have done a bunch of research on where to move investment wise, and I've got a plan of action with the investments. And I was looking at the insurances, and I ended up having to get on the phone and call Resolution Life because their portal is atrocious, to be completely honest with you. And I sat on the phone and had a chat with them with respect to the policy that you have. I need to premiums? Yep. Yes. So that's where, like, I after I got off the phone to you, I sat there looking at the portal and trying to wrap my head around it, end up getting on the phone to them because their portal is an absolute nightmare. And the premium I quoted, that 1,800, that is for your life policy only. That's not the rest of the premium. The whole premium as a, like, as a whole for the life PPD and IP is $10. So I ended up getting it all yeah. So I ended up getting it all broken down, and, obviously, insurance premiums was something we talked about heavily, and I wanted to obviously talk about it and about where to go. Because when we were speaking, we were speaking about the fact that if it's only $1,800, you were happy with the premium the policy and the premium and where everything sat, and you didn't wanna make any alterations to the life and TPD benefit amount. But based on the fact that it's actually $10, I thought that that might change the position drastically. Yes. So I didn't wanna turn around and be like, I'm gonna change all these things without actually talking to you and breaking it down properly. So, yeah, so it's 1,896. So let's just call it 19. 1,900. We'll just ignore the cents and dollars. $1,900 for the life insurance policy and the total permanent disability, it's 3361. The IP, it's 3855. Yes. So when I first spoke to you, we talked about $18.96 being the full premium, but that's life only. I had to literally get it all broken down and get a I had to get them to send a a document from the back end to actually break it all down properly. So out of your super, it's 10 sorry. 10521, and that's for the Life TPD IP. And then out of your credit card, that was correct. So it's the a 100 and I'm just gonna confirm. $150,181 31 a month. That's for the that's for the trauma. That's the trauma policy. Yeah. No. No. That's okay. You're you're so fine. That's for the trauma policy. It is. Yeah. Yeah. But yeah. So what I wanna do is I wanna have a realistic conversation about what we do with like, you said that you were pretty comfortable paying the $1.81 from your back pocket, But with the life policy, I guess I wanna have a realistic conversation about where we go with that and what we do. Because as we as we talked about, we're insured for 1.59 in life and 1.59 in PPD. So whether we look at decreasing those amounts, like the insured benefit, to reduce the premiums? Very much. Very much so. It it's all dependent on how much we wanna decrease it by. If we keep to our brackets, so, like, 1.5, one, seven fifty type of, you know, like, our sort of every every 250 to $500,000 brackets, you generally get lump sum discounts. So if we drop it to, like, 1.5 round, you'll find that there'll be a bit of a discount to just have it that round figure. The 91,000 will be costing you a little bit more than it's weird the way they work. But it just realistically, it's probably about altering the policy to fit what we really need because I call the 1.5 probably a bit of a gross over over insurance of what you need. Because if anything was to happen to, you know, 1.5 mil is a decent chunk of money plus what you have in your super fund. Yeah. Yeah. So because so if because we can we can think about it, and it sounds cruel and awful. Like, I'm a mom of three kids. We talked about that. If if anything was to happen to me in my position with my my family, If my debt was paid out, then, you know, I just need to make sure that my husband's able to pay the ongoing bills of keeping the family sustained. So what we can do is we can make sure that we obviously cover the debt, which we're sitting at, you know, 300 and let's just call it 350,000 by the time we pay out, you know, anything going on the credit card or anything like that. 350,000 to pay off the the mortgage. I know that Shan's not currently working, so there's no income coming in from that side of things. So what we need to do is make sure that we're covering your income that's missing from, you know, from then on. Obviously, we don't need to pay the mortgage, so it would be a matter of your income minus what the mortgage is currently costing you times by, you know, the number of years until the kids are are old enough, which your youngest is nine, so that'd be sort of another nine years until 18. And that's a a way that we can kind of, I guess, analyze it figure wise. Cool. So what does the mortgage cost you each month? I love a woman that knows the numbers. She's all over it. Cool. So let me just figure out what your net income is. 100 percent. Yeah. It's it's a toss-up between the two, like, I guess, the two conflicting outcomes. Yeah. And I'm 100% would love to have a chat about your super and and how we can improve the investments if and when you have time to. Because I wanna make sure that Yeah. Joined or or, you know, together, we the ultimate goal is to retire to retire together to, you know, off in the sunset on the Harley or whatever retirement looks like for you guys. That's that's the ultimate goal. The insurance is, I guess, a contingency plan in the event that something did happen. Cool. So I just did them while we we were talking. So a 185,000 income per year works out to $1.31 5 after tax annually. If I look at $3 per month across the 12, like, you know, in terms of your mortgage repayment, that's $36 a year. Take that off your current income because you would no longer need to service that. That tells me that, essentially, your income needs for your family if your mortgage is paid off would be $95,500. Okay? So that's basically what you guys are needing. That's still savings in the bank and anything else that you guys are doing, everything that you're living off. Right? That times nine years gives us 1.2. So it's still a good chunk, but we're just pulling the figures I guess, pulling the insurance amount back or the benefit amount back a little bit to just what we would need if anything happens. So we're not having that that, you know, I guess, extra $300,000 in the event that something did happen. We're just keeping it to a realistic amount and saving on those premiums. Okay. That's the biggest question, and that's something I have to go through Resolution Life because your policy is older. It's a grandfathered policy, so it's not something I can straight up calculate unless we wanna cancel your policy and write a brand new policy, which, as we've talked about, not possible with your occupation. The insurer that you have is the best insurer out there for your occupation. No one else is really happy to take on the risk of your. I did, and, no, it doesn't. You're already your occupation's already rated to kinda consider a lower rate of working on the tools. So there's no movement I really have there. Yeah. I did try and push that one too. So yeah. So are we mhmm. Totally? Yep. That will change. Yeah. Yeah. Yeah. So if you were off the explosives, no no no touching of dealing with, then, yes, definitely would change. And if you were no longer working on the explosives, we could also look at other insurers as well because the explosives are the are the big part. Yeah. So would you be comfortable if I quoted up 1.2 for the life and TPD? Still make the alterations that we talked about bringing the IP back in line with your actual income. And what I'll do is I'll email through the quote once I get it. That way, you have the figures in front of you that like, now versus the change so you can make, with it all written in front of you, informed decision. Yeah? Okay. Cool. Yeah. Yeah. Of course. Yeah. So if you went back to work, what would your income roughly look like? Yeah. Yeah. Yeah. Yeah. Absolutely. Yeah. Absolutely. Yeah. Absolutely. I can do that. I'll what I'll do is I'll actually factor in like, I'll do the math properly and factor in if you were to get an income as at, you know, that date, how that would affect, I guess, a family's ongoing needs, and make sure that that fits with the parameters that of the 08/2001 and 01/2002. Okay? No. 100%. Yeah. You've ultimately, the goal is to to not to not need the policy. No. They're sometimes worth more more to us alive than dead. We tend to like them a lot. No. We don't. We love them, but we can't live with them sometimes. 100%. No. I get it. I have one of those too. Yeah. Well, how about I'll send you an email separately, so that way you have a direct line to contact me. And, yeah. Yeah. Yeah. Yeah. Moving parts everywhere. No. Absolutely. I'll send you an email. I will get on to ResLife now, get those quotes, and email that through to Craig as soon as I get them. Okay? Yep. So investments. What I wanna do is I did a bit of research into, obviously, where you're invested, where we can move into. You're currently in a high growth investment portfolio, and what I wanna do is I wanna keep you in that high growth, so not taking any less risk, but a, cut down on about a thousand dollars worth of your investment fees per annum. Actually, a thousand and 3 if we're gonna be specific. And that is going to obviously reduce the ongoing cost of of the funds being invested. The reason it's such a difference is because I wanna invest in more ETFs, which are exchange trade funds. They're just a little bit cheaper to operate. Their ongoing performance is a a bit better as well. So we're gonna convert into a historical performance of that 16% per annum. Obviously, that's historically. Yes? Yes and yes and no. So what I do is I try and, like, trade it effectively. If you're trading in a way where you're selling and buying within the same time frame, you're selling at a loss, but you're also buying at a loss. So you have the benefit of buying in at that lower cost. Yes. I would always love to sell at a high, but you can't effectively do that in any way, shape, or form. But I try and do it in a way that we're gonna pay the least amount of tax and do it cost effectively. I don't wanna, you know, have someone out of the market for an extended period of time where they're sitting in cash. And, likewise, I don't wanna delay trying to make a move on investments where it's gonna, you know, misappropriately affect someone's position either. So because I can trade really, really quickly, it doesn't have the same effect as if I was to, you know, sell and then try and buy a few days later. I'm selling and buying within the same same time frame. Cool. So I won't go ahead with that, but I think let's try and tie up the insurance and the super all at once. So I'm gonna go to ResLife, get the quotes. I'm gonna escalate it with them and try and get them turned around ASAP and email them through to you. Okay? Cool. I should hopefully have them by the beginning of next week at the latest. Alright. Were there any other yeah. Because when do you guys go on school holidays? Because I think else. I should know this. I have three in school, but I'm pretty sure ours are in end of next week, I'll start, I think. Yes. Yeah. Ours two. Yeah. So a couple weeks. Alright. Perfect. Well, let's try and get this all sorted before Easter then, if you're happy with that. So that way you guys can rest easy and enjoy Easter and the holidays with the kids. Yeah. Yeah. I mean, I'm happy to communicate over emails. That's fine. Fine. Cool. But, no, it's I will get it all working, and we will talk soon. Perfect. No. Not a problem at all, guys. Was there anything else? Alright. If you have any questions, feel free to flick an email through. And that's okay. 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Craig. It's Larissa from o q. How are you going? Yeah. Good.\n\nGood. Thank you. Sorry I missed you when you called back in. Cool. Cool.\n\nBefore I jump into it, I do need to let you know our calls are recorded. And if I could just get you confirmed security, full name, date of birth, and address. Perfect. Thank you for that. Okay.\n\nSo I have done a bunch of research on where to move investment wise, and I've got a plan of action with the investments. And I was looking at the insurances, and I ended up having to get on the phone and call Resolution Life because their portal is atrocious, to be completely honest with you. And I sat on the phone and had a chat with them with respect to the policy that you have. I need to premiums? Yep.\n\nYes. So that's where, like, I after I got off the phone to you, I sat there looking at the portal and trying to wrap my head around it, end up getting on the phone to them because their portal is an absolute nightmare. And the premium I quoted, that 1,800, that is for your life policy only. That's not the rest of the premium. The whole premium as a, like, as a whole for the life PPD and IP is $10.\n\nSo I ended up getting it all yeah. So I ended up getting it all broken down, and, obviously, insurance premiums was something we talked about heavily, and I wanted to obviously talk about it and about where to go. Because when we were speaking, we were speaking about the fact that if it's only $1,800, you were happy with the premium the policy and the premium and where everything sat, and you didn't wanna make any alterations to the life and TPD benefit amount. But based on the fact that it's actually $10, I thought that that might change the position drastically. Yes.\n\nSo I didn't wanna turn around and be like, I'm gonna change all these things without actually talking to you and breaking it down properly. So, yeah, so it's 1,896. So let's just call it 19. 1,900. We'll just ignore the cents and dollars.\n\n$1,900 for the life insurance policy and the total permanent disability, it's 3361. The IP, it's 3855. Yes. So when I first spoke to you, we talked about $18.96 being the full premium, but that's life only. I had to literally get it all broken down and get a I had to get them to send a a document from the back end to actually break it all down properly.\n\nSo out of your super, it's 10 sorry. 10521, and that's for the Life TPD IP. And then out of your credit card, that was correct. So it's the a 100 and I'm just gonna confirm. $150,181 31 a month.\n\nThat's for the that's for the trauma. That's the trauma policy. Yeah. No. No.\n\nThat's okay. You're you're so fine. That's for the trauma policy. It is. Yeah.\n\nYeah. But yeah. So what I wanna do is I wanna have a realistic conversation about what we do with like, you said that you were pretty comfortable paying the $1.81 from your back pocket, But with the life policy, I guess I wanna have a realistic conversation about where we go with that and what we do. Because as we as we talked about, we're insured for 1.59 in life and 1.59 in PPD. So whether we look at decreasing those amounts, like the insured benefit, to reduce the premiums?\n\nVery much. Very much so. It it's all dependent on how much we wanna decrease it by. If we keep to our brackets, so, like, 1.5, one, seven fifty type of, you know, like, our sort of every every 250 to $500,000 brackets, you generally get lump sum discounts. So if we drop it to, like, 1.5 round, you'll find that there'll be a bit of a discount to just have it that round figure.\n\nThe 91,000 will be costing you a little bit more than it's weird the way they work. But it just realistically, it's probably about altering the policy to fit what we really need because I call the 1.5 probably a bit of a gross over over insurance of what you need. Because if anything was to happen to, you know, 1.5 mil is a decent chunk of money plus what you have in your super fund. Yeah. Yeah.\n\nSo because so if because we can we can think about it, and it sounds cruel and awful. Like, I'm a mom of three kids. We talked about that. If if anything was to happen to me in my position with my my family, If my debt was paid out, then, you know, I just need to make sure that my husband's able to pay the ongoing bills of keeping the family sustained. So what we can do is we can make sure that we obviously cover the debt, which we're sitting at, you know, 300 and let's just call it 350,000 by the time we pay out, you know, anything going on the credit card or anything like that.\n\n350,000 to pay off the the mortgage. I know that Shan's not currently working, so there's no income coming in from that side of things. So what we need to do is make sure that we're covering your income that's missing from, you know, from then on. Obviously, we don't need to pay the mortgage, so it would be a matter of your income minus what the mortgage is currently costing you times by, you know, the number of years until the kids are are old enough, which your youngest is nine, so that'd be sort of another nine years until 18. And that's a a way that we can kind of, I guess, analyze it figure wise.\n\nCool. So what does the mortgage cost you each month? I love a woman that knows the numbers. She's all over it. Cool.\n\nSo let me just figure out what your net income is. 100 percent. Yeah. It's it's a toss-up between the two, like, I guess, the two conflicting outcomes. Yeah.\n\nAnd I'm 100% would love to have a chat about your super and and how we can improve the investments if and when you have time to. Because I wanna make sure that Yeah. Joined or or, you know, together, we the ultimate goal is to retire to retire together to, you know, off in the sunset on the Harley or whatever retirement looks like for you guys. That's that's the ultimate goal. The insurance is, I guess, a contingency plan in the event that something did happen.\n\nCool. So I just did them while we we were talking. So a 185,000 income per year works out to $1.31 5 after tax annually. If I look at $3 per month across the 12, like, you know, in terms of your mortgage repayment, that's $36 a year. Take that off your current income because you would no longer need to service that.\n\nThat tells me that, essentially, your income needs for your family if your mortgage is paid off would be $95,500. Okay? So that's basically what you guys are needing. That's still savings in the bank and anything else that you guys are doing, everything that you're living off. Right?\n\nThat times nine years gives us 1.2. So it's still a good chunk, but we're just pulling the figures I guess, pulling the insurance amount back or the benefit amount back a little bit to just what we would need if anything happens. So we're not having that that, you know, I guess, extra $300,000 in the event that something did happen. We're just keeping it to a realistic amount and saving on those premiums. Okay.\n\nThat's the biggest question, and that's something I have to go through Resolution Life because your policy is older. It's a grandfathered policy, so it's not something I can straight up calculate unless we wanna cancel your policy and write a brand new policy, which, as we've talked about, not possible with your occupation. The insurer that you have is the best insurer out there for your occupation. No one else is really happy to take on the risk of your. I did, and, no, it doesn't.\n\nYou're already your occupation's already rated to kinda consider a lower rate of working on the tools. So there's no movement I really have there. Yeah. I did try and push that one too. So yeah.\n\nSo are we mhmm. Totally? Yep. That will change. Yeah.\n\nYeah. Yeah. So if you were off the explosives, no no no touching of dealing with, then, yes, definitely would change. And if you were no longer working on the explosives, we could also look at other insurers as well because the explosives are the are the big part. Yeah.\n\nSo would you be comfortable if I quoted up 1.2 for the life and TPD? Still make the alterations that we talked about bringing the IP back in line with your actual income. And what I'll do is I'll email through the quote once I get it. That way, you have the figures in front of you that like, now versus the change so you can make, with it all written in front of you, informed decision. Yeah?\n\nOkay. Cool. Yeah. Yeah. Of course.\n\nYeah. So if you went back to work, what would your income roughly look like? Yeah. Yeah. Yeah.\n\nYeah. Absolutely. Yeah. Absolutely. Yeah.\n\nAbsolutely. I can do that. I'll what I'll do is I'll actually factor in like, I'll do the math properly and factor in if you were to get an income as at, you know, that date, how that would affect, I guess, a family's ongoing needs, and make sure that that fits with the parameters that of the 08/2001 and 01/2002. Okay? No.\n\n100%. Yeah. You've ultimately, the goal is to to not to not need the policy. No. They're sometimes worth more more to us alive than dead.\n\nWe tend to like them a lot. No. We don't. We love them, but we can't live with them sometimes. 100%.\n\nNo. I get it. I have one of those too. Yeah. Well, how about I'll send you an email separately, so that way you have a direct line to contact me.\n\nAnd, yeah. Yeah. Yeah. Yeah. Moving parts everywhere.\n\nNo. Absolutely. I'll send you an email. I will get on to ResLife now, get those quotes, and email that through to Craig as soon as I get them. Okay?\n\nYep. So investments. What I wanna do is I did a bit of research into, obviously, where you're invested, where we can move into. You're currently in a high growth investment portfolio, and what I wanna do is I wanna keep you in that high growth, so not taking any less risk, but a, cut down on about a thousand dollars worth of your investment fees per annum. Actually, a thousand and 3 if we're gonna be specific.\n\nAnd that is going to obviously reduce the ongoing cost of of the funds being invested. The reason it's such a difference is because I wanna invest in more ETFs, which are exchange trade funds. They're just a little bit cheaper to operate. Their ongoing performance is a a bit better as well. So we're gonna convert into a historical performance of that 16% per annum.\n\nObviously, that's historically. Yes? Yes and yes and no. So what I do is I try and, like, trade it effectively. If you're trading in a way where you're selling and buying within the same time frame, you're selling at a loss, but you're also buying at a loss.\n\nSo you have the benefit of buying in at that lower cost. Yes. I would always love to sell at a high, but you can't effectively do that in any way, shape, or form. But I try and do it in a way that we're gonna pay the least amount of tax and do it cost effectively. I don't wanna, you know, have someone out of the market for an extended period of time where they're sitting in cash.\n\nAnd, likewise, I don't wanna delay trying to make a move on investments where it's gonna, you know, misappropriately affect someone's position either. So because I can trade really, really quickly, it doesn't have the same effect as if I was to, you know, sell and then try and buy a few days later. I'm selling and buying within the same same time frame. Cool. So I won't go ahead with that, but I think let's try and tie up the insurance and the super all at once.\n\nSo I'm gonna go to ResLife, get the quotes. I'm gonna escalate it with them and try and get them turned around ASAP and email them through to you. Okay? Cool. I should hopefully have them by the beginning of next week at the latest.\n\nAlright. Were there any other yeah. Because when do you guys go on school holidays? Because I think else. I should know this.\n\nI have three in school, but I'm pretty sure ours are in end of next week, I'll start, I think. Yes. Yeah. Ours two. Yeah.\n\nSo a couple weeks. Alright. Perfect. Well, let's try and get this all sorted before Easter then, if you're happy with that. So that way you guys can rest easy and enjoy Easter and the holidays with the kids.\n\nYeah. Yeah. I mean, I'm happy to communicate over emails. That's fine. Fine.\n\nCool. But, no, it's I will get it all working, and we will talk soon. Perfect. No. Not a problem at all, guys.\n\nWas there anything else? Alright. If you have any questions, feel free to flick an email through. And that's okay. Bye, guys.","paragraphs":[{"sentences":[{"text":"Hi, Craig.","start":3.36,"end":4.0,"sentiment":"neutral","sentiment_score":0.09005166217684746},{"text":"It's Larissa from o q.","start":4.0,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.09753274321556091},{"text":"How are you going?","start":5.2799997,"end":6.1,"sentiment":"neutral","sentiment_score":0.16436949372291565},{"text":"Yeah.","start":8.16,"end":8.639999,"sentiment":"neutral","sentiment_score":0.07897032797336578},{"text":"Good.","start":8.639999,"end":8.96,"sentiment":"neutral","sentiment_score":0.2548993229866028}],"sentiment":"neutral","sentiment_score":0.12762420509870237,"num_words":13,"start":3.36,"end":8.96},{"sentences":[{"text":"Good.","start":8.96,"end":9.28,"sentiment":"neutral","sentiment_score":0.32719236612319946},{"text":"Thank you.","start":9.28,"end":10.179999,"sentiment":"positive","sentiment_score":0.39591503143310547},{"text":"Sorry I missed you when you called back in.","start":10.4,"end":12.74,"sentiment":"neutral","sentiment_score":-0.18746772242916954},{"text":"Cool.","start":15.165,"end":15.485,"sentiment":"neutral","sentiment_score":0.12202948331832886},{"text":"Cool.","start":15.485,"end":15.985,"sentiment":"neutral","sentiment_score":0.1260122507810593}],"sentiment":"neutral","sentiment_score":-0.022867524198123386,"num_words":14,"start":8.96,"end":15.985},{"sentences":[{"text":"Before I jump into it, I do need to let you know our calls are recorded.","start":16.285,"end":19.105,"sentiment":"neutral","sentiment_score":0.042382183484733105},{"text":"And if I could just get you confirmed security, full name, date of birth, and address.","start":19.325,"end":23.025,"sentiment":"neutral","sentiment_score":0.054513122886419296},{"text":"Perfect.","start":30.220001,"end":30.7,"sentiment":"positive","sentiment_score":0.5713514685630798},{"text":"Thank you for that.","start":30.7,"end":31.76,"sentiment":"positive","sentiment_score":0.6104443222284317},{"text":"Okay.","start":32.22,"end":32.72,"sentiment":"neutral","sentiment_score":0.20399510860443115}],"sentiment":"neutral","sentiment_score":0.12545917810578094,"num_words":38,"start":16.285,"end":32.72},{"sentences":[{"text":"So I have done a bunch of research on where to move investment wise, and I've got a plan of action with the investments.","start":32.78,"end":40.475,"sentiment":"neutral","sentiment_score":0.07923301231736939},{"text":"And I was looking at the insurances, and I ended up having to get on the phone and call Resolution Life because their portal is atrocious, to be completely honest with you.","start":40.855,"end":49.434998,"sentiment":"neutral","sentiment_score":-0.254783762502484},{"text":"And I sat on the phone and had a chat with them with respect to the policy that you have.","start":50.535,"end":55.32,"sentiment":"neutral","sentiment_score":-0.09144261553883552},{"text":"I need to premiums?","start":56.28,"end":59.98,"sentiment":"neutral","sentiment_score":-0.08040242828428745},{"text":"Yep.","start":62.6,"end":63.1,"sentiment":"neutral","sentiment_score":-0.01673801988363266}],"sentiment":"neutral","sentiment_score":-0.10393442158345823,"num_words":81,"start":32.78,"end":63.1},{"sentences":[{"text":"Yes.","start":64.2,"end":64.7,"sentiment":"neutral","sentiment_score":-0.0228408370167017},{"text":"So that's where, like, I after I got off the phone to you, I sat there looking at the portal and trying to wrap my head around it, end up getting on the phone to them because their portal is an absolute nightmare.","start":64.92,"end":75.475,"sentiment":"neutral","sentiment_score":-0.2384056348440259},{"text":"And the premium I quoted, that 1,800, that is for your life policy only.","start":76.335,"end":81.395,"sentiment":"neutral","sentiment_score":-0.1696430742740631},{"text":"That's not the rest of the premium.","start":81.935,"end":83.695,"sentiment":"neutral","sentiment_score":-0.2131570279598236},{"text":"The whole premium as a, like, as a whole for the life PPD and IP is $10.","start":83.695,"end":89.08,"sentiment":"neutral","sentiment_score":-0.10733141530962552}],"sentiment":"neutral","sentiment_score":-0.19470755403815973,"num_words":82,"start":64.2,"end":89.08},{"sentences":[{"text":"So I ended up getting it all yeah.","start":90.02,"end":92.34,"sentiment":"neutral","sentiment_score":-0.12564432993531227},{"text":"So I ended up getting it all broken down, and, obviously, insurance premiums was something we talked about heavily, and I wanted to obviously talk about it and about where to go.","start":92.34,"end":103.845,"sentiment":"neutral","sentiment_score":0.01130865584127605},{"text":"Because when we were speaking, we were speaking about the fact that if it's only $1,800, you were happy with the premium the policy and the premium and where everything sat, and you didn't wanna make any alterations to the life and TPD benefit amount.","start":103.845,"end":117.159996,"sentiment":"neutral","sentiment_score":0.11590304233961635},{"text":"But based on the fact that it's actually $10, I thought that that might change the position drastically.","start":117.46,"end":123.64,"sentiment":"neutral","sentiment_score":-0.0814259143339263},{"text":"Yes.","start":128.355,"end":128.855,"sentiment":"positive","sentiment_score":0.3703049421310425}],"sentiment":"neutral","sentiment_score":0.03343267054655231,"num_words":104,"start":90.02,"end":128.855},{"sentences":[{"text":"So I didn't wanna turn around and be like, I'm gonna change all these things without actually talking to you and breaking it down properly.","start":128.995,"end":134.295,"sentiment":"neutral","sentiment_score":-0.14414246581494808},{"text":"So, yeah, so it's 1,896.","start":135.555,"end":142.87001,"sentiment":"neutral","sentiment_score":0.0034886034671217205},{"text":"So let's just call it 19.","start":143.01001,"end":144.23001,"sentiment":"neutral","sentiment_score":0.012441557521621386},{"text":"1,900.","start":144.85,"end":145.99,"sentiment":"neutral","sentiment_score":0.008366674184799194},{"text":"We'll just ignore the cents and dollars.","start":146.29001,"end":148.37001,"sentiment":"neutral","sentiment_score":-0.022015093958803585}],"sentiment":"neutral","sentiment_score":-0.08311836969170888,"num_words":44,"start":128.995,"end":148.37001},{"sentences":[{"text":"$1,900 for the life insurance policy and the total permanent disability, it's 3361.","start":148.37001,"end":162.35501,"sentiment":"neutral","sentiment_score":0.007757503360223312},{"text":"The IP, it's 3855.","start":166.27,"end":171.33,"sentiment":"neutral","sentiment_score":-0.005781066021881998},{"text":"Yes.","start":175.79001,"end":176.29001,"sentiment":"neutral","sentiment_score":-0.1249435767531395},{"text":"So when I first spoke to you, we talked about $18.96 being the full premium, but that's life only.","start":176.705,"end":182.805,"sentiment":"neutral","sentiment_score":-0.0849836427522333},{"text":"I had to literally get it all broken down and get a I had to get them to send a a document from the back end to actually break it all down properly.","start":183.105,"end":191.205,"sentiment":"neutral","sentiment_score":-0.15141215085080176}],"sentiment":"neutral","sentiment_score":-0.09512157839323793,"num_words":70,"start":148.37001,"end":191.205},{"sentences":[{"text":"So out of your super, it's 10 sorry.","start":195.65001,"end":199.17,"sentiment":"neutral","sentiment_score":-0.030942337354645133},{"text":"10521, and that's for the Life TPD IP.","start":199.17,"end":206.905,"sentiment":"neutral","sentiment_score":0.01498887880006805},{"text":"And then out of your credit card, that was correct.","start":207.525,"end":210.345,"sentiment":"neutral","sentiment_score":0.021468567103147505},{"text":"So it's the a 100 and I'm just gonna confirm.","start":210.565,"end":214.725,"sentiment":"neutral","sentiment_score":0.033530601765960455},{"text":"$150,181 31 a month.","start":214.725,"end":220.31,"sentiment":"neutral","sentiment_score":0.006080207298509777}],"sentiment":"neutral","sentiment_score":0.011167121236212552,"num_words":40,"start":195.65001,"end":220.31},{"sentences":[{"text":"That's for the that's for the trauma.","start":223.89,"end":226.47,"sentiment":"neutral","sentiment_score":-0.0039752955032911685},{"text":"That's the trauma policy.","start":227.49,"end":228.93001,"sentiment":"neutral","sentiment_score":0.003431713907048106},{"text":"Yeah.","start":228.93001,"end":229.41,"sentiment":"neutral","sentiment_score":0.002287996932864189},{"text":"No.","start":229.41,"end":229.57,"sentiment":"neutral","sentiment_score":-0.09421119093894958},{"text":"No.","start":229.57,"end":229.73,"sentiment":"neutral","sentiment_score":-0.12409809976816176}],"sentiment":"neutral","sentiment_score":-0.01643725047636378,"num_words":14,"start":223.89,"end":229.73},{"sentences":[{"text":"That's okay.","start":229.73,"end":230.29001,"sentiment":"neutral","sentiment_score":-0.03682342730462551},{"text":"You're you're so fine.","start":230.29001,"end":231.43001,"sentiment":"neutral","sentiment_score":0.1165034007281065},{"text":"That's for the trauma policy.","start":232.08499,"end":233.70499,"sentiment":"neutral","sentiment_score":0.012139125540852547},{"text":"It is.","start":239.525,"end":240.00499,"sentiment":"neutral","sentiment_score":-0.047490742057561874},{"text":"Yeah.","start":240.00499,"end":240.50499,"sentiment":"neutral","sentiment_score":-0.003255752846598625}],"sentiment":"neutral","sentiment_score":0.025344652788979665,"num_words":14,"start":229.73,"end":240.50499},{"sentences":[{"text":"Yeah.","start":241.525,"end":242.025,"sentiment":"neutral","sentiment_score":0.01288425549864769},{"text":"But yeah.","start":242.72499,"end":246.65999,"sentiment":"neutral","sentiment_score":0.026409484446048737},{"text":"So what I wanna do is I wanna have a realistic conversation about what we do with like, you said that you were pretty comfortable paying the $1.81 from your back pocket, But with the life policy, I guess I wanna have a realistic conversation about where we go with that and what we do.","start":246.65999,"end":268.185,"sentiment":"neutral","sentiment_score":0.09870168104491851},{"text":"Because as we as we talked about, we're insured for 1.59 in life and 1.59 in PPD.","start":268.185,"end":278.19,"sentiment":"neutral","sentiment_score":0.025456393904545727},{"text":"So whether we look at decreasing those amounts, like the insured benefit, to reduce the premiums?","start":280.17,"end":287.675,"sentiment":"neutral","sentiment_score":0.013508649237337522}],"sentiment":"neutral","sentiment_score":0.06716101205545581,"num_words":91,"start":241.525,"end":287.675},{"sentences":[{"text":"Very much.","start":295.895,"end":296.715,"sentiment":"neutral","sentiment_score":-0.034984737634658813},{"text":"Very much so.","start":298.63,"end":299.43002,"sentiment":"neutral","sentiment_score":-0.007857396577795347},{"text":"It it's all dependent on how much we wanna decrease it by.","start":299.43002,"end":303.03,"sentiment":"neutral","sentiment_score":0.0041310898183534546},{"text":"If we keep to our brackets, so, like, 1.5, one, seven fifty type of, you know, like, our sort of every every 250 to $500,000 brackets, you generally get lump sum discounts.","start":303.03,"end":316.325,"sentiment":"neutral","sentiment_score":0.02866724249906838},{"text":"So if we drop it to, like, 1.5 round, you'll find that there'll be a bit of a discount to just have it that round figure.","start":316.86502,"end":323.06,"sentiment":"neutral","sentiment_score":0.037051751636541806}],"sentiment":"neutral","sentiment_score":0.024489716204504172,"num_words":75,"start":295.895,"end":323.06},{"sentences":[{"text":"The 91,000 will be costing you a little bit more than it's weird the way they work.","start":323.06,"end":327.62,"sentiment":"neutral","sentiment_score":-0.10120071602218292},{"text":"But it just realistically, it's probably about altering the policy to fit what we really need because I call the 1.5 probably a bit of a gross over over insurance of what you need.","start":327.62,"end":343.515,"sentiment":"neutral","sentiment_score":-0.0361252167426488},{"text":"Because if anything was to happen to, you know, 1.5 mil is a decent chunk of money plus what you have in your super fund.","start":344.055,"end":351.37,"sentiment":"neutral","sentiment_score":-0.055790592730045316},{"text":"Yeah.","start":367.845,"end":368.345,"sentiment":"negative","sentiment_score":-0.6603705286979675},{"text":"Yeah.","start":380.41998,"end":380.91998,"sentiment":"neutral","sentiment_score":-0.25710630416870117}],"sentiment":"neutral","sentiment_score":-0.06744757939416629,"num_words":78,"start":323.06,"end":380.91998},{"sentences":[{"text":"So because so if because we can we can think about it, and it sounds cruel and awful.","start":381.22,"end":387.965,"sentiment":"negative","sentiment_score":-0.5180369151963128},{"text":"Like, I'm a mom of three kids.","start":387.965,"end":389.085,"sentiment":"negative","sentiment_score":-0.4617165241922651},{"text":"We talked about that.","start":389.085,"end":390.145,"sentiment":"neutral","sentiment_score":-0.2846713215112686},{"text":"If if anything was to happen to me in my position with my my family, If my debt was paid out, then, you know, I just need to make sure that my husband's able to pay the ongoing bills of keeping the family sustained.","start":390.845,"end":407.76,"sentiment":"neutral","sentiment_score":-0.09167229096320542},{"text":"So what we can do is we can make sure that we obviously cover the debt, which we're sitting at, you know, 300 and let's just call it 350,000 by the time we pay out, you know, anything going on the credit card or anything like that.","start":408.06,"end":418.275,"sentiment":"neutral","sentiment_score":0.05613906174264056}],"sentiment":"neutral","sentiment_score":-0.1257534194116791,"num_words":120,"start":381.22,"end":418.275},{"sentences":[{"text":"350,000 to pay off the the mortgage.","start":418.975,"end":421.555,"sentiment":"neutral","sentiment_score":-0.03896462970546314},{"text":"I know that Shan's not currently working, so there's no income coming in from that side of things.","start":422.095,"end":429.68,"sentiment":"neutral","sentiment_score":-0.2712395431266891},{"text":"So what we need to do is make sure that we're covering your income that's missing from, you know, from then on.","start":429.74,"end":438.3,"sentiment":"neutral","sentiment_score":-0.07875682358545336},{"text":"Obviously, we don't need to pay the mortgage, so it would be a matter of your income minus what the mortgage is currently costing you times by, you know, the number of years until the kids are are old enough, which your youngest is nine, so that'd be sort of another nine years until 18.","start":438.3,"end":455.19498,"sentiment":"neutral","sentiment_score":-0.08637576177716255},{"text":"And that's a a way that we can kind of, I guess, analyze it figure wise.","start":457.37,"end":463.22998,"sentiment":"neutral","sentiment_score":0.07898951484821737}],"sentiment":"neutral","sentiment_score":-0.08791990646839899,"num_words":118,"start":418.975,"end":463.22998},{"sentences":[{"text":"Cool.","start":466.01,"end":466.51,"sentiment":"neutral","sentiment_score":0.2100616693496704},{"text":"So what does the mortgage cost you each month?","start":466.72998,"end":471.14502,"sentiment":"neutral","sentiment_score":0.07272841243280305},{"text":"I love a woman that knows the numbers.","start":476.725,"end":478.505,"sentiment":"positive","sentiment_score":0.3887655418366194},{"text":"She's all over it.","start":480.96503,"end":482.58502,"sentiment":"positive","sentiment_score":0.45824047178030014},{"text":"Cool.","start":482.725,"end":483.225,"sentiment":"positive","sentiment_score":0.5402195453643799}],"sentiment":"neutral","sentiment_score":0.2759966586271058,"num_words":23,"start":466.01,"end":483.225},{"sentences":[{"text":"So let me just figure out what your net income is.","start":483.845,"end":487.87003,"sentiment":"neutral","sentiment_score":0.2782824770970778},{"text":"100 percent.","start":494.97,"end":495.71002,"sentiment":"positive","sentiment_score":0.4102173149585724},{"text":"Yeah.","start":507.625,"end":508.125,"sentiment":"neutral","sentiment_score":-0.08590451627969742},{"text":"It's it's a toss-up between the two, like, I guess, the two conflicting outcomes.","start":508.665,"end":523.08,"sentiment":"neutral","sentiment_score":-0.16026779104556357},{"text":"Yeah.","start":546.29,"end":546.79,"sentiment":"neutral","sentiment_score":0.11758352816104888}],"sentiment":"neutral","sentiment_score":0.05756799362856766,"num_words":29,"start":483.845,"end":546.79},{"sentences":[{"text":"And I'm 100% would love to have a chat about your super and and how we can improve the investments if and when you have time to.","start":546.93,"end":557.265,"sentiment":"positive","sentiment_score":0.5528397350399582},{"text":"Because I wanna make sure that Yeah.","start":559.48505,"end":561.205,"sentiment":"neutral","sentiment_score":0.2419656983443669},{"text":"Joined or or, you know, together, we the ultimate goal is to retire to retire together to, you know, off in the sunset on the Harley or whatever retirement looks like for you guys.","start":561.325,"end":572.75,"sentiment":"positive","sentiment_score":0.4626072934445213},{"text":"That's that's the ultimate goal.","start":573.45,"end":574.97003,"sentiment":"positive","sentiment_score":0.45054890513420104},{"text":"The insurance is, I guess, a contingency plan in the event that something did happen.","start":574.97003,"end":579.31,"sentiment":"neutral","sentiment_score":0.10619591996073723}],"sentiment":"positive","sentiment_score":0.411304136780514,"num_words":88,"start":546.93,"end":579.31},{"sentences":[{"text":"Cool.","start":586.255,"end":586.575,"sentiment":"neutral","sentiment_score":0.2841334044933319},{"text":"So I just did them while we we were talking.","start":586.575,"end":589.715,"sentiment":"neutral","sentiment_score":0.1314675360918045},{"text":"So a 185,000 income per year works out to $1.31 5 after tax annually.","start":590.415,"end":598.12,"sentiment":"neutral","sentiment_score":0.10959393797176224},{"text":"If I look at $3 per month across the 12, like, you know, in terms of your mortgage repayment, that's $36 a year.","start":598.33997,"end":608.835,"sentiment":"neutral","sentiment_score":0.06220349442699681},{"text":"Take that off your current income because you would no longer need to service that.","start":608.835,"end":613.335,"sentiment":"neutral","sentiment_score":-0.034575015554825464}],"sentiment":"neutral","sentiment_score":0.06420919103991418,"num_words":63,"start":586.255,"end":613.335},{"sentences":[{"text":"That tells me that, essentially, your income needs for your family if your mortgage is paid off would be $95,500.","start":613.475,"end":621.74,"sentiment":"neutral","sentiment_score":0.09929290153086186},{"text":"Okay?","start":621.8,"end":622.3,"sentiment":"neutral","sentiment_score":0.097363643348217},{"text":"So that's basically what you guys are needing.","start":622.52,"end":624.84,"sentiment":"neutral","sentiment_score":0.21792980656027794},{"text":"That's still savings in the bank and anything else that you guys are doing, everything that you're living off.","start":624.84,"end":629.08,"sentiment":"neutral","sentiment_score":0.2933580044068788},{"text":"Right?","start":629.08,"end":629.58,"sentiment":"neutral","sentiment_score":0.14492425322532654}],"sentiment":"neutral","sentiment_score":0.19480380537558575,"num_words":49,"start":613.475,"end":629.58},{"sentences":[{"text":"That times nine years gives us 1.2.","start":631.16003,"end":633.855,"sentiment":"neutral","sentiment_score":0.10220376295702797},{"text":"So it's still a good chunk, but we're just pulling the figures I guess, pulling the insurance amount back or the benefit amount back a little bit to just what we would need if anything happens.","start":636.01495,"end":646.595,"sentiment":"neutral","sentiment_score":0.18989318485061327},{"text":"So we're not having that that, you know, I guess, extra $300,000 in the event that something did happen.","start":647.07996,"end":653.0,"sentiment":"neutral","sentiment_score":-0.03477319344682129},{"text":"We're just keeping it to a realistic amount and saving on those premiums.","start":653.0,"end":656.45996,"sentiment":"neutral","sentiment_score":0.15942309682185835},{"text":"Okay.","start":659.895,"end":660.395,"sentiment":"neutral","sentiment_score":0.0827169418334961}],"sentiment":"neutral","sentiment_score":0.11902773053091216,"num_words":76,"start":631.16003,"end":660.395},{"sentences":[{"text":"That's the biggest question, and that's something I have to go through Resolution Life because your policy is older.","start":666.775,"end":672.15497,"sentiment":"neutral","sentiment_score":-0.21651011391689903},{"text":"It's a grandfathered policy, so it's not something I can straight up calculate unless we wanna cancel your policy and write a brand new policy, which, as we've talked about, not possible with your occupation.","start":673.45996,"end":684.04,"sentiment":"negative","sentiment_score":-0.3416133999824524},{"text":"The insurer that you have is the best insurer out there for your occupation.","start":685.555,"end":688.855,"sentiment":"positive","sentiment_score":0.3396790793963841},{"text":"No one else is really happy to take on the risk of your.","start":688.915,"end":692.695,"sentiment":"negative","sentiment_score":-0.4178720563650131},{"text":"I did, and, no, it doesn't.","start":702.77,"end":704.61,"sentiment":"neutral","sentiment_score":-0.04074609031279882}],"sentiment":"neutral","sentiment_score":-0.19530422214804025,"num_words":87,"start":666.775,"end":704.61},{"sentences":[{"text":"You're already your occupation's already rated to kinda consider a lower rate of working on the tools.","start":704.61,"end":712.72504,"sentiment":"neutral","sentiment_score":0.0018424410372972488},{"text":"So there's no movement I really have there.","start":713.025,"end":714.965,"sentiment":"neutral","sentiment_score":-0.10889800358563662},{"text":"Yeah.","start":716.945,"end":717.445,"sentiment":"neutral","sentiment_score":0.06601592898368835},{"text":"I did try and push that one too.","start":717.585,"end":719.365,"sentiment":"neutral","sentiment_score":0.0631272760219872},{"text":"So yeah.","start":723.06,"end":723.54004,"sentiment":"neutral","sentiment_score":0.06211496517062187}],"sentiment":"neutral","sentiment_score":-0.004016623987505834,"num_words":36,"start":704.61,"end":723.54004},{"sentences":[{"text":"So are we mhmm.","start":723.54004,"end":728.74,"sentiment":"neutral","sentiment_score":0.0580063434317708},{"text":"Totally?","start":728.74,"end":729.24,"sentiment":"neutral","sentiment_score":0.06233672425150871},{"text":"Yep.","start":730.5,"end":731.0,"sentiment":"neutral","sentiment_score":0.061124227941036224},{"text":"That will change.","start":732.02,"end":732.82,"sentiment":"neutral","sentiment_score":0.03394400328397751},{"text":"Yeah.","start":732.82,"end":733.22003,"sentiment":"neutral","sentiment_score":0.04284795746207237}],"sentiment":"neutral","sentiment_score":0.0500166293233633,"num_words":10,"start":723.54004,"end":733.22003},{"sentences":[{"text":"Yeah.","start":733.22003,"end":733.46,"sentiment":"neutral","sentiment_score":0.040123507380485535},{"text":"Yeah.","start":733.46,"end":733.78,"sentiment":"neutral","sentiment_score":0.04468289762735367},{"text":"So if you were off the explosives, no no no touching of dealing with, then, yes, definitely would change.","start":733.78,"end":741.345,"sentiment":"neutral","sentiment_score":0.025872528553009033},{"text":"And if you were no longer working on the explosives, we could also look at other insurers as well because the explosives are the are the big part.","start":745.165,"end":751.425,"sentiment":"neutral","sentiment_score":0.02988262747281364},{"text":"Yeah.","start":753.6,"end":754.1,"sentiment":"neutral","sentiment_score":0.12450478971004486}],"sentiment":"neutral","sentiment_score":0.030752056129276752,"num_words":50,"start":733.22003,"end":754.1},{"sentences":[{"text":"So would you be comfortable if I quoted up 1.2 for the life and TPD?","start":756.4,"end":761.2,"sentiment":"neutral","sentiment_score":0.1169305607676506},{"text":"Still make the alterations that we talked about bringing the IP back in line with your actual income.","start":761.2,"end":765.62,"sentiment":"neutral","sentiment_score":0.11978697114520603},{"text":"And what I'll do is I'll email through the quote once I get it.","start":766.185,"end":769.645,"sentiment":"neutral","sentiment_score":0.1191528986341187},{"text":"That way, you have the figures in front of you that like, now versus the change so you can make, with it all written in front of you, informed decision.","start":769.705,"end":778.93994,"sentiment":"positive","sentiment_score":0.4152999609708786},{"text":"Yeah?","start":780.83997,"end":781.33997,"sentiment":"neutral","sentiment_score":0.19711029529571533}],"sentiment":"neutral","sentiment_score":0.23377402047984874,"num_words":78,"start":756.4,"end":781.33997},{"sentences":[{"text":"Okay.","start":781.48,"end":781.72,"sentiment":"neutral","sentiment_score":0.18111872673034668},{"text":"Cool.","start":781.72,"end":782.22,"sentiment":"positive","sentiment_score":0.5898079872131348},{"text":"Yeah.","start":799.255,"end":799.755,"sentiment":"neutral","sentiment_score":0.2542884647846222},{"text":"Yeah.","start":805.27,"end":805.59,"sentiment":"neutral","sentiment_score":0.10910476744174956},{"text":"Of course.","start":805.59,"end":806.25,"sentiment":"neutral","sentiment_score":0.04781487211585045}],"sentiment":"neutral","sentiment_score":0.20499161506692568,"num_words":6,"start":781.48,"end":806.25},{"sentences":[{"text":"Yeah.","start":808.15,"end":808.63,"sentiment":"neutral","sentiment_score":0.06273315846920013},{"text":"So if you went back to work, what would your income roughly look like?","start":808.63,"end":812.65,"sentiment":"neutral","sentiment_score":0.00857303078685488},{"text":"Yeah.","start":822.085,"end":822.585,"sentiment":"neutral","sentiment_score":-0.009549671784043312},{"text":"Yeah.","start":841.555,"end":842.055,"sentiment":"neutral","sentiment_score":0.06355264037847519},{"text":"Yeah.","start":854.85,"end":855.35,"sentiment":"neutral","sentiment_score":0.090837761759758}],"sentiment":"neutral","sentiment_score":0.01819979554663102,"num_words":18,"start":808.15,"end":855.35},{"sentences":[{"text":"Yeah.","start":857.65,"end":857.97,"sentiment":"neutral","sentiment_score":0.11474350839853288},{"text":"Absolutely.","start":857.97,"end":858.47,"sentiment":"neutral","sentiment_score":0.21614044904708865},{"text":"Yeah.","start":875.36005,"end":875.68005,"sentiment":"neutral","sentiment_score":0.20419397950172424},{"text":"Absolutely.","start":875.68005,"end":876.18005,"sentiment":"positive","sentiment_score":0.3819242119789123},{"text":"Yeah.","start":876.4,"end":876.9,"sentiment":"neutral","sentiment_score":0.2617104649543762}],"sentiment":"neutral","sentiment_score":0.23574252277612687,"num_words":5,"start":857.65,"end":876.9},{"sentences":[{"text":"Absolutely.","start":877.12006,"end":877.62006,"sentiment":"positive","sentiment_score":0.5296446084976196},{"text":"I can do that.","start":877.68005,"end":878.66003,"sentiment":"positive","sentiment_score":0.37542242743074894},{"text":"I'll what I'll do is I'll actually factor in like, I'll do the math properly and factor in if you were to get an income as at, you know, that date, how that would affect, I guess, a family's ongoing needs, and make sure that that fits with the parameters that of the 08/2001 and 01/2002.","start":879.84,"end":897.675,"sentiment":"neutral","sentiment_score":0.21602072952581303},{"text":"Okay?","start":897.675,"end":898.175,"sentiment":"neutral","sentiment_score":0.10665948688983916},{"text":"No.","start":914.26495,"end":914.745,"sentiment":"neutral","sentiment_score":-0.06559042632579803}],"sentiment":"neutral","sentiment_score":0.22491371797190773,"num_words":63,"start":877.12006,"end":914.745},{"sentences":[{"text":"100%.","start":914.745,"end":915.865,"sentiment":"neutral","sentiment_score":0.008909471333026886},{"text":"Yeah.","start":915.865,"end":916.185,"sentiment":"neutral","sentiment_score":0.00822458602488041},{"text":"You've ultimately, the goal is to to not to not need the policy.","start":916.185,"end":920.845,"sentiment":"neutral","sentiment_score":-0.02702803100244357},{"text":"No.","start":927.39996,"end":927.89996,"sentiment":"negative","sentiment_score":-0.5143957138061523},{"text":"They're sometimes worth more more to us alive than dead.","start":929.0,"end":931.57996,"sentiment":"negative","sentiment_score":-0.5304089486598969}],"sentiment":"neutral","sentiment_score":-0.2366429056184223,"num_words":26,"start":914.745,"end":931.57996},{"sentences":[{"text":"We tend to like them a lot.","start":932.44,"end":934.06,"sentiment":"neutral","sentiment_score":-0.14441893356187002},{"text":"No.","start":939.735,"end":939.975,"sentiment":"neutral","sentiment_score":-0.17810559272766113},{"text":"We don't.","start":939.975,"end":940.715,"sentiment":"neutral","sentiment_score":-0.15558867901563644},{"text":"We love them, but we can't live with them sometimes.","start":942.455,"end":944.555,"sentiment":"neutral","sentiment_score":-0.09379025176167488},{"text":"100%.","start":949.19,"end":949.93,"sentiment":"neutral","sentiment_score":0.01732882298529148}],"sentiment":"neutral","sentiment_score":-0.11527567525349912,"num_words":21,"start":932.44,"end":949.93},{"sentences":[{"text":"No.","start":950.79004,"end":951.03,"sentiment":"neutral","sentiment_score":-0.0965110808610916},{"text":"I get it.","start":951.03,"end":951.59,"sentiment":"neutral","sentiment_score":-0.06349369138479233},{"text":"I have one of those too.","start":951.59,"end":952.81,"sentiment":"neutral","sentiment_score":-0.03970567633708318},{"text":"Yeah.","start":962.16504,"end":962.66504,"sentiment":"neutral","sentiment_score":0.24547511339187625},{"text":"Well, how about I'll send you an email separately, so that way you have a direct line to contact me.","start":963.525,"end":969.065,"sentiment":"neutral","sentiment_score":0.06317918691784144}],"sentiment":"neutral","sentiment_score":0.031736536732604424,"num_words":31,"start":950.79004,"end":969.065},{"sentences":[{"text":"And, yeah.","start":969.525,"end":972.42505,"sentiment":"neutral","sentiment_score":0.22769459709525108},{"text":"Yeah.","start":974.79,"end":975.29,"sentiment":"neutral","sentiment_score":0.005290333181619644},{"text":"Yeah.","start":994.005,"end":994.505,"sentiment":"neutral","sentiment_score":-0.03904290497303009},{"text":"Yeah.","start":1004.9,"end":1005.4,"sentiment":"neutral","sentiment_score":0.030407177284359932},{"text":"Moving parts everywhere.","start":1011.71497,"end":1012.935,"sentiment":"neutral","sentiment_score":0.08898825943470001}],"sentiment":"neutral","sentiment_score":0.08987607224844396,"num_words":8,"start":969.525,"end":1012.935},{"sentences":[{"text":"No.","start":1019.95496,"end":1020.195,"sentiment":"neutral","sentiment_score":0.04211500287055969},{"text":"Absolutely.","start":1020.195,"end":1020.695,"sentiment":"neutral","sentiment_score":0.2544853091239929},{"text":"I'll send you an email.","start":1021.2,"end":1022.32,"sentiment":"neutral","sentiment_score":0.21394448280334472},{"text":"I will get on to ResLife now, get those quotes, and email that through to Craig as soon as I get them.","start":1022.32,"end":1027.2,"sentiment":"neutral","sentiment_score":0.22115752981467682},{"text":"Okay?","start":1027.2,"end":1027.7,"sentiment":"neutral","sentiment_score":0.08511634171009064}],"sentiment":"neutral","sentiment_score":0.21056349078814188,"num_words":30,"start":1019.95496,"end":1027.7},{"sentences":[{"text":"Yep.","start":1034.605,"end":1035.005,"sentiment":"neutral","sentiment_score":0.07364329695701599},{"text":"So investments.","start":1035.005,"end":1035.905,"sentiment":"neutral","sentiment_score":0.06379679590463638},{"text":"What I wanna do is I did a bit of research into, obviously, where you're invested, where we can move into.","start":1036.525,"end":1041.905,"sentiment":"neutral","sentiment_score":0.10335360804484003},{"text":"You're currently in a high growth investment portfolio, and what I wanna do is I wanna keep you in that high growth, so not taking any less risk, but a, cut down on about a thousand dollars worth of your investment fees per annum.","start":1042.765,"end":1055.8099,"sentiment":"neutral","sentiment_score":0.1498208029872992},{"text":"Actually, a thousand and 3 if we're gonna be specific.","start":1055.95,"end":1058.45,"sentiment":"neutral","sentiment_score":0.18352459818124772}],"sentiment":"neutral","sentiment_score":0.1384490252687381,"num_words":78,"start":1034.605,"end":1058.45},{"sentences":[{"text":"And that is going to obviously reduce the ongoing cost of of the funds being invested.","start":1059.87,"end":1065.9249,"sentiment":"neutral","sentiment_score":0.24777902150526643},{"text":"The reason it's such a difference is because I wanna invest in more ETFs, which are exchange trade funds.","start":1066.705,"end":1073.045,"sentiment":"neutral","sentiment_score":0.10400663669172086},{"text":"They're just a little bit cheaper to operate.","start":1073.345,"end":1074.965,"sentiment":"neutral","sentiment_score":0.14813052117824554},{"text":"Their ongoing performance is a a bit better as well.","start":1075.6101,"end":1078.7301,"sentiment":"neutral","sentiment_score":0.2227995365858078},{"text":"So we're gonna convert into a historical performance of that 16% per annum.","start":1078.7301,"end":1083.2301,"sentiment":"neutral","sentiment_score":0.1318926140666008}],"sentiment":"neutral","sentiment_score":0.1677005145360123,"num_words":66,"start":1059.87,"end":1083.2301},{"sentences":[{"text":"Obviously, that's historically.","start":1084.17,"end":1085.31,"sentiment":"neutral","sentiment_score":0.007802964809040229},{"text":"Yes?","start":1086.41,"end":1086.91,"sentiment":"neutral","sentiment_score":0.008694246411323547},{"text":"Yes and yes and no.","start":1093.465,"end":1095.8049,"sentiment":"neutral","sentiment_score":-0.014678896963596344},{"text":"So what I do is I try and, like, trade it effectively.","start":1095.945,"end":1100.37,"sentiment":"neutral","sentiment_score":0.2586354774733384},{"text":"If you're trading in a way where you're selling and buying within the same time frame, you're selling at a loss, but you're also buying at a loss.","start":1100.83,"end":1107.49,"sentiment":"neutral","sentiment_score":0.24910581218344824}],"sentiment":"neutral","sentiment_score":0.2048427985068791,"num_words":49,"start":1084.17,"end":1107.49},{"sentences":[{"text":"So you have the benefit of buying in at that lower cost.","start":1107.63,"end":1110.85,"sentiment":"positive","sentiment_score":0.4592083568374316},{"text":"Yes.","start":1111.23,"end":1111.5499,"sentiment":"neutral","sentiment_score":0.3144756555557251},{"text":"I would always love to sell at a high, but you can't effectively do that in any way, shape, or form.","start":1111.5499,"end":1116.985,"sentiment":"neutral","sentiment_score":0.23186256417206355},{"text":"But I try and do it in a way that we're gonna pay the least amount of tax and do it cost effectively.","start":1116.985,"end":1121.8049,"sentiment":"neutral","sentiment_score":0.31794505339601764},{"text":"I don't wanna, you know, have someone out of the market for an extended period of time where they're sitting in cash.","start":1122.585,"end":1127.565,"sentiment":"neutral","sentiment_score":-0.04854471475647932}],"sentiment":"neutral","sentiment_score":0.21441572517321644,"num_words":79,"start":1107.63,"end":1127.565},{"sentences":[{"text":"And, likewise, I don't wanna delay trying to make a move on investments where it's gonna, you know, misappropriately affect someone's position either.","start":1128.36,"end":1137.34,"sentiment":"neutral","sentiment_score":-0.02307788007285284},{"text":"So because I can trade really, really quickly, it doesn't have the same effect as if I was to, you know, sell and then try and buy a few days later.","start":1138.76,"end":1148.915,"sentiment":"neutral","sentiment_score":0.15968848500520952},{"text":"I'm selling and buying within the same same time frame.","start":1149.135,"end":1151.555,"sentiment":"neutral","sentiment_score":0.25599348694086077},{"text":"Cool.","start":1157.79,"end":1158.29,"sentiment":"positive","sentiment_score":0.4213116765022278},{"text":"So I won't go ahead with that, but I think let's try and tie up the insurance and the super all at once.","start":1159.0701,"end":1165.0701,"sentiment":"neutral","sentiment_score":0.17885573078756747}],"sentiment":"neutral","sentiment_score":0.13084636531262236,"num_words":88,"start":1128.36,"end":1165.0701},{"sentences":[{"text":"So I'm gonna go to ResLife, get the quotes.","start":1165.0701,"end":1168.375,"sentiment":"neutral","sentiment_score":0.24010023971398672},{"text":"I'm gonna escalate it with them and try and get them turned around ASAP and email them through to you.","start":1168.375,"end":1175.655,"sentiment":"neutral","sentiment_score":0.2620996445417404},{"text":"Okay?","start":1175.655,"end":1176.155,"sentiment":"neutral","sentiment_score":0.2417895793914795},{"text":"Cool.","start":1178.615,"end":1179.115,"sentiment":"positive","sentiment_score":0.5870603919029236},{"text":"I should hopefully have them by the beginning of next week at the latest.","start":1179.415,"end":1182.555,"sentiment":"positive","sentiment_score":0.49473777413368225}],"sentiment":"positive","sentiment_score":0.33684608572059205,"num_words":45,"start":1165.0701,"end":1182.555},{"sentences":[{"text":"Alright.","start":1186.81,"end":1187.31,"sentiment":"neutral","sentiment_score":0.1698554754257202},{"text":"Were there any other yeah.","start":1187.4501,"end":1190.75,"sentiment":"neutral","sentiment_score":0.03689081221818924},{"text":"Because when do you guys go on school holidays?","start":1194.7301,"end":1196.3301,"sentiment":"neutral","sentiment_score":-0.02537815562552876},{"text":"Because I think else.","start":1196.3301,"end":1197.63,"sentiment":"neutral","sentiment_score":-0.020447357557713985},{"text":"I should know this.","start":1197.725,"end":1198.365,"sentiment":"neutral","sentiment_score":0.048640867695212364}],"sentiment":"neutral","sentiment_score":0.010377398975517439,"num_words":23,"start":1186.81,"end":1198.365},{"sentences":[{"text":"I have three in school, but I'm pretty sure ours are in end of next week, I'll start, I think.","start":1198.365,"end":1204.305,"sentiment":"neutral","sentiment_score":0.13944053333252668},{"text":"Yes.","start":1206.045,"end":1206.365,"sentiment":"neutral","sentiment_score":0.09958740323781969},{"text":"Yeah.","start":1206.365,"end":1206.685,"sentiment":"neutral","sentiment_score":0.10027987509965897},{"text":"Ours two.","start":1206.685,"end":1207.165,"sentiment":"neutral","sentiment_score":0.11094531044363976},{"text":"Yeah.","start":1207.165,"end":1207.405,"sentiment":"neutral","sentiment_score":0.12016957253217696}],"sentiment":"neutral","sentiment_score":0.13322952553629874,"num_words":25,"start":1198.365,"end":1207.405},{"sentences":[{"text":"So a couple weeks.","start":1207.405,"end":1208.4451,"sentiment":"neutral","sentiment_score":0.09744783118367195},{"text":"Alright.","start":1208.4451,"end":1208.9451,"sentiment":"neutral","sentiment_score":0.2737877070903778},{"text":"Perfect.","start":1209.645,"end":1210.145,"sentiment":"positive","sentiment_score":0.5693949460983276},{"text":"Well, let's try and get this all sorted before Easter then, if you're happy with that.","start":1211.04,"end":1215.78,"sentiment":"neutral","sentiment_score":0.25393134355545044},{"text":"So that way you guys can rest easy and enjoy Easter and the holidays with the kids.","start":1216.16,"end":1220.3401,"sentiment":"positive","sentiment_score":0.6130370585357442}],"sentiment":"positive","sentiment_score":0.40301296076713466,"num_words":39,"start":1207.405,"end":1220.3401},{"sentences":[{"text":"Yeah.","start":1223.2949,"end":1223.615,"sentiment":"neutral","sentiment_score":0.09555791318416595},{"text":"Yeah.","start":1223.615,"end":1223.855,"sentiment":"neutral","sentiment_score":0.06712980568408966},{"text":"I mean, I'm happy to communicate over emails.","start":1223.855,"end":1226.0149,"sentiment":"neutral","sentiment_score":0.31848340295255184},{"text":"That's fine.","start":1226.0149,"end":1226.755,"sentiment":"neutral","sentiment_score":0.2979869842529297},{"text":"Fine.","start":1228.735,"end":1229.0549,"sentiment":"positive","sentiment_score":0.4125674366950989}],"sentiment":"neutral","sentiment_score":0.28608433443766373,"num_words":13,"start":1223.2949,"end":1229.0549},{"sentences":[{"text":"Cool.","start":1229.0549,"end":1229.2949,"sentiment":"positive","sentiment_score":0.4771442413330078},{"text":"But, no, it's I will get it all working, and we will talk soon.","start":1229.2949,"end":1233.715,"sentiment":"neutral","sentiment_score":0.2171948983200959},{"text":"Perfect.","start":1236.9099,"end":1237.4099,"sentiment":"positive","sentiment_score":0.7083016633987427},{"text":"No.","start":1237.63,"end":1237.87,"sentiment":"neutral","sentiment_score":0.32833385467529297},{"text":"Not a problem at all, guys.","start":1237.87,"end":1238.83,"sentiment":"positive","sentiment_score":0.4156727244456609}],"sentiment":"neutral","sentiment_score":0.30645846445923264,"num_words":23,"start":1229.0549,"end":1238.83},{"sentences":[{"text":"Was there anything else?","start":1238.83,"end":1239.97,"sentiment":"neutral","sentiment_score":0.18220613151788712},{"text":"Alright.","start":1243.5309,"end":1243.9309,"sentiment":"neutral","sentiment_score":0.15433140099048617},{"text":"If you have any questions, feel free to flick an email through.","start":1243.9309,"end":1246.5109,"sentiment":"neutral","sentiment_score":0.16790979045132795},{"text":"And that's okay.","start":1249.1309,"end":1250.0109,"sentiment":"positive","sentiment_score":0.4776983857154846},{"text":"Bye, guys.","start":1250.0109,"end":1250.8308,"sentiment":"neutral","sentiment_score":0.09630529955029488}],"sentiment":"neutral","sentiment_score":0.205626325851137,"num_words":22,"start":1238.83,"end":1250.8308}]}}]},{"alternatives":[{"transcript":"Hello? Good day, Lewis. I don't know. That's not right. Craig Dickinson, November '76. 20 Bath Street, Bakersfield 6162. It it takes a good amount of it takes a good amount of premiums I'll pay that you send me money on the portal. Yeah. Well, definitely worth the conversation. Yes. $13 a year just for life insurance, is it? Yeah. Oh, gee. The numbers you gave is a bit off, ain't it? And so what what am I paying for out of my credit card, and what am I paying for out of my super? For LIP. Oh, I see. Right. Okay. So that's a fair bit of a shock to the system, but, you know, I've been paying it. So and probably just takes you to my super, I guess. Oh, I guess. But how much is it gonna reduce the so what's the question isn't how much is it gonna reduce that? Going. But my my wife's my wife's on the in the car here with me. So, yeah, you're talking about her It's only about my future is the two children, so that's a pretty large concern. But I'm okay. We don't. No. It's totally fine. Yeah. I might not do. It's just a waste of money. Yeah. I've I've but I've seen it going $10,000 straight out of the tube. I can probably better invest it in a year. Okay. Yep. Sorry. Keep going. Yeah. Yep. Yeah. That's a free that's a free figure. 3 k. 3 k. $3? I know that would Yeah. $3. Yeah. Because that that payout, essentially, I know it's a massive payout, but that would be our head start for the kids as a platform to make sure that they're okay because, like, obviously, how do you get into houses? I know, but it's such a difficult question because it's saving into our into our retirement Exactly. Funds. So it's a massive concept. It's complicated. But sorry about that because I the the disappointing thing is that there was only, like, from my from my policy, there was only, like, a 1% price in it last year, and I'm like, jeez. So that $10 has come to out of your super sort of, like, contribution. It says only 1% growth in the year, then it's actually going backward. It's kind of like it's it was a better Okay. That's what we've discussed. Was better invested in maybe. Yep. I'll talk to the phone. Alright. So so let's keep working on my numbers. Yep. Yep. Yep. That's it. So it's through traffic. What is the premium calendar? What is the premium? Yeah. What is the premium? Yep. And did you mention that I'm probably, yeah, 20% on the tools now or maybe 10? Does that change six? Friday, Okay. Yeah. So if I change if I change department and get off the tools, I like you to know more exporters, that'll change six. Yeah. No worries. That's it. Yeah. Got that. Alright. Yes. That's correct. Excuse me. That's correct. Can can you possibly get it to be quoted from anything between, like, 801 and then 1.2? Because if there's quite a substantial change in premiums, then I can I I only need to be supplemented for my future income? I'd be going back to work. No problem. So therefore, we could essentially have a small payout just enough to keep it steady, in station. But so it's yeah. Well, I'd be prepared at this point. Like, because they will probably look around about anywhere, but it depends because, like, I would have to be looking at school hours. Like, generally, I'm in like, so therefore, I would have to apportion my weight. So I would probably be looking at pulling probably between thirty and forty a year because I would have to apportion it to, like, you know, inside school hours and to work five days work to be free. So I'd probably only do three or four days a week, you know, maybe five hours a day. So I would probably pull about between thirty and fifty k a year if I'm if I'm working solidly, and that would be good if you got with the kids at this point. So yeah. Like, if, like, if there's a massive difference in the in the premiums between 800 to 1.2, you know, then that if it yeah. That's it it would just be interest I'd I'd just like to see what the fees are for 800, 1,000,000, and 1.2, please. Okay. Thank you. Because obviously, if we could, you know, better put the premiums, keep them in the super and living towards the hope that we never used to pull on that, that will be ideal. So we're not thinking from our retirement either for something that may never hurt. Yeah. It's not you said yeah. Ideally, I'm not looking to have my husband clocked so that I can, you know, run me that. I don't want that at all. That is not what I want. Yes. So you know? Yeah. But and then, you know, it's, like, grief. Like, Jesus. Who wants that? No. I'm good. K. Bye. Thank you. Yeah. Yeah. And I will get to looking at my next. It's just been absolutely crazy. Once we get through those school holidays, we'll be done. We'll have so much fun. Yeah. Yeah. Just yeah. If I could send this to you, that would be great because you're already wrapped around great situation. And also a big part of why I've been sort of, like, putting off actually even ringing and whatnot is because they changed my whole structure when I'm looking at potentially possibly going back to work at the June. So it's kind of like it's been a real there's so many if, what, why's, and, yeah, a few conversations. Like, there's quite a bit happening in the background that, you know, could waste be a whole waste of time to go through a big chat discussion with you right now and yeah. Do you know what I mean? So I'm quite back to work. Fiftieth is going on. We're going yep. We've got yep. So that would be great if we could schedule it. Yeah. Moving parts. Completely logistic. We have a whole shit show. Thank you. That's Okay. That was that bit. So what about the investments for the remainder? Do you guys yeah. Sorry. Do you wait for the market to recover a little bit before we sell everything off and then play? Or how does it work? Because, like, to sell it a lot. Yeah. Yep. That works. Well, yeah. Yeah. Yeah. That's what I said. There's no room after rush until yeah. Alright. Good for what I say for sales? Yeah. Okay. That's the end of That's helpful. Okay. No worries. Respond to emails. No worries. Yep. No worries. Okay. Thank you. No. Nothing else. Thanks. Cheers, boss. 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Good day, Lewis. I don't know. That's not right. Craig Dickinson, November '76.\n\n20 Bath Street, Bakersfield 6162. It it takes a good amount of it takes a good amount of premiums I'll pay that you send me money on the portal. Yeah. Well, definitely worth the conversation. Yes.\n\n$13 a year just for life insurance, is it? Yeah. Oh, gee. The numbers you gave is a bit off, ain't it? And so what what am I paying for out of my credit card, and what am I paying for out of my super?\n\nFor LIP. Oh, I see. Right. Okay. So that's a fair bit of a shock to the system, but, you know, I've been paying it.\n\nSo and probably just takes you to my super, I guess. Oh, I guess. But how much is it gonna reduce the so what's the question isn't how much is it gonna reduce that? Going. But my my wife's my wife's on the in the car here with me.\n\nSo, yeah, you're talking about her It's only about my future is the two children, so that's a pretty large concern. But I'm okay. We don't. No. It's totally fine.\n\nYeah. I might not do. It's just a waste of money. Yeah. I've I've but I've seen it going $10,000 straight out of the tube.\n\nI can probably better invest it in a year. Okay. Yep. Sorry. Keep going.\n\nYeah. Yep. Yeah. That's a free that's a free figure. 3 k.\n\n3 k. $3? I know that would Yeah. $3. Yeah.\n\nBecause that that payout, essentially, I know it's a massive payout, but that would be our head start for the kids as a platform to make sure that they're okay because, like, obviously, how do you get into houses? I know, but it's such a difficult question because it's saving into our into our retirement Exactly. Funds. So it's a massive concept. It's complicated.\n\nBut sorry about that because I the the disappointing thing is that there was only, like, from my from my policy, there was only, like, a 1% price in it last year, and I'm like, jeez. So that $10 has come to out of your super sort of, like, contribution. It says only 1% growth in the year, then it's actually going backward. It's kind of like it's it was a better Okay. That's what we've discussed.\n\nWas better invested in maybe. Yep. I'll talk to the phone. Alright. So so let's keep working on my numbers.\n\nYep. Yep. Yep. That's it. So it's through traffic.\n\nWhat is the premium calendar? What is the premium? Yeah. What is the premium? Yep.\n\nAnd did you mention that I'm probably, yeah, 20% on the tools now or maybe 10? Does that change six? Friday, Okay. Yeah. So if I change if I change department and get off the tools, I like you to know more exporters, that'll change six.\n\nYeah. No worries. That's it. Yeah. Got that.\n\nAlright. Yes. That's correct. Excuse me. That's correct.\n\nCan can you possibly get it to be quoted from anything between, like, 801 and then 1.2? Because if there's quite a substantial change in premiums, then I can I I only need to be supplemented for my future income? I'd be going back to work. No problem. So therefore, we could essentially have a small payout just enough to keep it steady, in station.\n\nBut so it's yeah. Well, I'd be prepared at this point. Like, because they will probably look around about anywhere, but it depends because, like, I would have to be looking at school hours. Like, generally, I'm in like, so therefore, I would have to apportion my weight. So I would probably be looking at pulling probably between thirty and forty a year because I would have to apportion it to, like, you know, inside school hours and to work five days work to be free.\n\nSo I'd probably only do three or four days a week, you know, maybe five hours a day. So I would probably pull about between thirty and fifty k a year if I'm if I'm working solidly, and that would be good if you got with the kids at this point. So yeah. Like, if, like, if there's a massive difference in the in the premiums between 800 to 1.2, you know, then that if it yeah. That's it it would just be interest I'd I'd just like to see what the fees are for 800, 1,000,000, and 1.2, please.\n\nOkay. Thank you. Because obviously, if we could, you know, better put the premiums, keep them in the super and living towards the hope that we never used to pull on that, that will be ideal. So we're not thinking from our retirement either for something that may never hurt. Yeah.\n\nIt's not you said yeah. Ideally, I'm not looking to have my husband clocked so that I can, you know, run me that. I don't want that at all. That is not what I want. Yes.\n\nSo you know? Yeah. But and then, you know, it's, like, grief. Like, Jesus. Who wants that?\n\nNo. I'm good. K. Bye. Thank you.\n\nYeah. Yeah. And I will get to looking at my next. It's just been absolutely crazy. Once we get through those school holidays, we'll be done.\n\nWe'll have so much fun. Yeah. Yeah. Just yeah. If I could send this to you, that would be great because you're already wrapped around great situation.\n\nAnd also a big part of why I've been sort of, like, putting off actually even ringing and whatnot is because they changed my whole structure when I'm looking at potentially possibly going back to work at the June. So it's kind of like it's been a real there's so many if, what, why's, and, yeah, a few conversations. Like, there's quite a bit happening in the background that, you know, could waste be a whole waste of time to go through a big chat discussion with you right now and yeah. Do you know what I mean? So I'm quite back to work.\n\nFiftieth is going on. We're going yep. We've got yep. So that would be great if we could schedule it. Yeah.\n\nMoving parts. Completely logistic. We have a whole shit show. Thank you. That's Okay.\n\nThat was that bit. So what about the investments for the remainder? Do you guys yeah. Sorry. Do you wait for the market to recover a little bit before we sell everything off and then play?\n\nOr how does it work? Because, like, to sell it a lot. Yeah. Yep. That works.\n\nWell, yeah. Yeah. Yeah. That's what I said. There's no room after rush until yeah.\n\nAlright. Good for what I say for sales? Yeah. Okay. That's the end of That's helpful.\n\nOkay. No worries. Respond to emails. No worries. Yep.\n\nNo worries. Okay. Thank you. No. Nothing else.\n\nThanks. Cheers, boss. Thank you.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.92,"end":2.42,"sentiment":"neutral","sentiment_score":0.02161373943090439},{"text":"Good day, Lewis.","start":6.16,"end":6.96,"sentiment":"neutral","sentiment_score":0.18072611093521118},{"text":"I don't know.","start":6.96,"end":7.8599997,"sentiment":"neutral","sentiment_score":-0.022578261171778042},{"text":"That's not right.","start":13.5199995,"end":14.42,"sentiment":"negative","sentiment_score":-0.42493558923403424},{"text":"Craig Dickinson, November '76.","start":23.915,"end":26.575,"sentiment":"neutral","sentiment_score":0.018139048013836145}],"sentiment":"neutral","sentiment_score":-0.050442377637539594,"num_words":14,"start":1.92,"end":26.575},{"sentences":[{"text":"20 Bath Street, Bakersfield 6162.","start":26.795,"end":29.615,"sentiment":"neutral","sentiment_score":0.022552339173853398},{"text":"It it takes a good amount of it takes a good amount of premiums I'll pay that you send me money on the portal.","start":56.02,"end":63.559998,"sentiment":"neutral","sentiment_score":-0.062473720870912075},{"text":"Yeah.","start":124.8,"end":125.119995,"sentiment":"positive","sentiment_score":0.5124175548553467},{"text":"Well, definitely worth the conversation.","start":125.119995,"end":127.46,"sentiment":"positive","sentiment_score":0.648613452911377},{"text":"Yes.","start":135.495,"end":135.995,"sentiment":"neutral","sentiment_score":0.046904463320970535}],"sentiment":"neutral","sentiment_score":0.06710504660279387,"num_words":36,"start":26.795,"end":135.995},{"sentences":[{"text":"$13 a year just for life insurance, is it?","start":136.855,"end":139.995,"sentiment":"neutral","sentiment_score":0.01594763683776061},{"text":"Yeah.","start":164.685,"end":165.185,"sentiment":"neutral","sentiment_score":0.004474010784178972},{"text":"Oh, gee.","start":172.81,"end":173.12999,"sentiment":"neutral","sentiment_score":-0.10377096757292747},{"text":"The numbers you gave is a bit off, ain't it?","start":173.12999,"end":177.47,"sentiment":"negative","sentiment_score":-0.4301602829247713},{"text":"And so what what am I paying for out of my credit card, and what am I paying for out of my super?","start":190.195,"end":195.255,"sentiment":"neutral","sentiment_score":-0.0982631316975407}],"sentiment":"neutral","sentiment_score":-0.14713764558028844,"num_words":45,"start":136.855,"end":195.255},{"sentences":[{"text":"For LIP.","start":222.455,"end":224.315,"sentiment":"neutral","sentiment_score":0.0004517934285104275},{"text":"Oh, I see.","start":231.31001,"end":234.53001,"sentiment":"neutral","sentiment_score":0.017342705900470417},{"text":"Right.","start":234.59001,"end":235.09001,"sentiment":"neutral","sentiment_score":0.03725879639387131},{"text":"Okay.","start":235.55,"end":235.95001,"sentiment":"neutral","sentiment_score":0.021785689517855644},{"text":"So that's a fair bit of a shock to the system, but, you know, I've been paying it.","start":235.95001,"end":240.19,"sentiment":"neutral","sentiment_score":-0.1484201540135675}],"sentiment":"neutral","sentiment_score":-0.10238346327096223,"num_words":25,"start":222.455,"end":240.19},{"sentences":[{"text":"So and probably just takes you to my super, I guess.","start":240.19,"end":244.97499,"sentiment":"neutral","sentiment_score":-0.015867703001607548},{"text":"Oh, I guess.","start":289.81,"end":290.53,"sentiment":"neutral","sentiment_score":-0.005627256507674853},{"text":"But how much is it gonna reduce the so what's the question isn't how much is it gonna reduce that?","start":290.53,"end":296.805,"sentiment":"neutral","sentiment_score":-0.023875491134822367},{"text":"Going.","start":301.60498,"end":302.10498,"sentiment":"neutral","sentiment_score":-0.004814980551600456},{"text":"But my my wife's my wife's on the in the car here with me.","start":349.93002,"end":353.29,"sentiment":"neutral","sentiment_score":-0.09663542054061379}],"sentiment":"neutral","sentiment_score":-0.04136014680321119,"num_words":49,"start":240.19,"end":353.29},{"sentences":[{"text":"So, yeah, you're talking about her It's only about my future is the two children, so that's a pretty large concern.","start":353.29,"end":361.26498,"sentiment":"neutral","sentiment_score":-0.23179372346826962},{"text":"But I'm okay.","start":361.965,"end":362.76498,"sentiment":"neutral","sentiment_score":-0.12000286827484767},{"text":"We don't.","start":362.76498,"end":363.425,"sentiment":"neutral","sentiment_score":-0.22558365762233734},{"text":"No.","start":363.965,"end":364.205,"sentiment":"negative","sentiment_score":-0.3563663363456726},{"text":"It's totally fine.","start":364.205,"end":365.26498,"sentiment":"neutral","sentiment_score":-0.22491614520549774}],"sentiment":"neutral","sentiment_score":-0.22366529616216818,"num_words":30,"start":353.29,"end":365.26498},{"sentences":[{"text":"Yeah.","start":365.805,"end":366.305,"sentiment":"negative","sentiment_score":-0.38619041442871094},{"text":"I might not do.","start":367.19,"end":367.99,"sentiment":"negative","sentiment_score":-0.5737366825342178},{"text":"It's just a waste of money.","start":367.99,"end":369.27,"sentiment":"negative","sentiment_score":-0.816636323928833},{"text":"Yeah.","start":369.27,"end":369.59,"sentiment":"neutral","sentiment_score":-0.3308899998664856},{"text":"I've I've but I've seen it going $10,000 straight out of the tube.","start":369.59,"end":372.63,"sentiment":"negative","sentiment_score":-0.3377358466386795}],"sentiment":"negative","sentiment_score":-0.492096443772316,"num_words":25,"start":365.805,"end":372.63},{"sentences":[{"text":"I can probably better invest it in a year.","start":372.63,"end":375.05,"sentiment":"neutral","sentiment_score":-0.30474178161886},{"text":"Okay.","start":375.19,"end":375.69,"sentiment":"neutral","sentiment_score":-0.12710519134998322},{"text":"Yep.","start":378.79,"end":379.03,"sentiment":"neutral","sentiment_score":-0.17364215850830078},{"text":"Sorry.","start":379.03,"end":379.35,"sentiment":"neutral","sentiment_score":-0.29002684354782104},{"text":"Keep going.","start":379.35,"end":380.01,"sentiment":"neutral","sentiment_score":-0.3093791604042053}],"sentiment":"neutral","sentiment_score":-0.2823006106274469,"num_words":14,"start":372.63,"end":380.01},{"sentences":[{"text":"Yeah.","start":390.565,"end":391.065,"sentiment":"neutral","sentiment_score":-0.10787411779165268},{"text":"Yep.","start":456.05002,"end":456.55002,"sentiment":"neutral","sentiment_score":0.055915407836437225},{"text":"Yeah.","start":461.33002,"end":461.57,"sentiment":"neutral","sentiment_score":0.04615086689591408},{"text":"That's a free that's a free figure.","start":461.57,"end":464.79,"sentiment":"neutral","sentiment_score":0.07036487651722771},{"text":"3 k.","start":474.485,"end":474.69833,"sentiment":"neutral","sentiment_score":0.007729618810117245}],"sentiment":"neutral","sentiment_score":0.04185046084846059,"num_words":12,"start":390.565,"end":474.69833},{"sentences":[{"text":"3 k.","start":474.69833,"end":475.205,"sentiment":"neutral","sentiment_score":0.007875394076108932},{"text":"$3?","start":475.205,"end":475.945,"sentiment":"neutral","sentiment_score":0.02103321999311447},{"text":"I know that would Yeah.","start":478.76,"end":480.52002,"sentiment":"neutral","sentiment_score":0.1707818627357483},{"text":"$3.","start":480.52002,"end":481.26,"sentiment":"neutral","sentiment_score":0.2286585569381714},{"text":"Yeah.","start":487.88,"end":488.12003,"sentiment":"neutral","sentiment_score":0.24040842056274417}],"sentiment":"neutral","sentiment_score":0.13597602993249894,"num_words":10,"start":474.69833,"end":488.12003},{"sentences":[{"text":"Because that that payout, essentially, I know it's a massive payout, but that would be our head start for the kids as a platform to make sure that they're okay because, like, obviously, how do you get into houses?","start":488.12003,"end":498.875,"sentiment":"neutral","sentiment_score":0.2673745607145322},{"text":"I know, but it's such a difficult question because it's saving into our into our retirement Exactly.","start":498.875,"end":503.755,"sentiment":"neutral","sentiment_score":-0.2700110691435197},{"text":"Funds.","start":504.155,"end":504.655,"sentiment":"neutral","sentiment_score":-0.1452573537826538},{"text":"So it's a massive concept.","start":504.715,"end":506.175,"sentiment":"neutral","sentiment_score":-0.19701991975307465},{"text":"It's complicated.","start":507.19,"end":507.93,"sentiment":"negative","sentiment_score":-0.3893713653087616}],"sentiment":"neutral","sentiment_score":0.0613800001447089,"num_words":64,"start":488.12003,"end":507.93},{"sentences":[{"text":"But sorry about that because I the the disappointing thing is that there was only, like, from my from my policy, there was only, like, a 1% price in it last year, and I'm like, jeez.","start":514.07,"end":525.38495,"sentiment":"negative","sentiment_score":-0.4550333126551575},{"text":"So that $10 has come to out of your super sort of, like, contribution.","start":525.38495,"end":531.165,"sentiment":"negative","sentiment_score":-0.39378667942115236},{"text":"It says only 1% growth in the year, then it's actually going backward.","start":531.545,"end":537.58,"sentiment":"negative","sentiment_score":-0.3914600106386038},{"text":"It's kind of like it's it was a better Okay.","start":537.80005,"end":540.84,"sentiment":"negative","sentiment_score":-0.3390434369444847},{"text":"That's what we've discussed.","start":540.84,"end":542.06,"sentiment":"neutral","sentiment_score":-0.04104112880304456}],"sentiment":"negative","sentiment_score":-0.3965946985771517,"num_words":77,"start":514.07,"end":542.06},{"sentences":[{"text":"Was better invested in maybe.","start":542.92004,"end":544.54004,"sentiment":"neutral","sentiment_score":-0.07906790524721145},{"text":"Yep.","start":579.83496,"end":580.33496,"sentiment":"neutral","sentiment_score":0.10779039561748505},{"text":"I'll talk to the phone.","start":580.475,"end":581.435,"sentiment":"neutral","sentiment_score":0.09518311768770218},{"text":"Alright.","start":581.435,"end":581.675,"sentiment":"neutral","sentiment_score":0.14890410006046295},{"text":"So so let's keep working on my numbers.","start":581.675,"end":585.615,"sentiment":"neutral","sentiment_score":0.2296243216842413}],"sentiment":"neutral","sentiment_score":0.1087132565677166,"num_words":20,"start":542.92004,"end":585.615},{"sentences":[{"text":"Yep.","start":630.27496,"end":630.77496,"sentiment":"neutral","sentiment_score":0.1081828698515892},{"text":"Yep.","start":647.53,"end":648.03,"sentiment":"neutral","sentiment_score":0.1928897202014923},{"text":"Yep.","start":657.895,"end":658.395,"sentiment":"neutral","sentiment_score":0.16439923644065857},{"text":"That's it.","start":658.455,"end":659.195,"sentiment":"neutral","sentiment_score":0.14316432178020477},{"text":"So it's through traffic.","start":659.575,"end":660.79504,"sentiment":"neutral","sentiment_score":0.056042179465293884}],"sentiment":"neutral","sentiment_score":0.10844102087948057,"num_words":9,"start":630.27496,"end":660.79504},{"sentences":[{"text":"What is the premium calendar?","start":661.895,"end":663.59503,"sentiment":"neutral","sentiment_score":0.020420638844370842},{"text":"What is the premium?","start":663.895,"end":664.247,"sentiment":"neutral","sentiment_score":0.008421200327575207},{"text":"Yeah.","start":664.247,"end":664.26306,"sentiment":"neutral","sentiment_score":0.012400277890264988},{"text":"What is the premium?","start":664.26306,"end":664.875,"sentiment":"neutral","sentiment_score":-0.022163967601954937},{"text":"Yep.","start":685.39,"end":685.89,"sentiment":"neutral","sentiment_score":0.17217949032783508}],"sentiment":"neutral","sentiment_score":0.015447459556162358,"num_words":15,"start":661.895,"end":685.89},{"sentences":[{"text":"And did you mention that I'm probably, yeah, 20% on the tools now or maybe 10?","start":693.16504,"end":701.16504,"sentiment":"neutral","sentiment_score":-0.017346486682072282},{"text":"Does that change six?","start":701.16504,"end":702.15,"sentiment":"neutral","sentiment_score":-0.039539695251733065},{"text":"Friday, Okay.","start":713.35004,"end":716.33,"sentiment":"neutral","sentiment_score":-0.029177831485867507},{"text":"Yeah.","start":719.97504,"end":720.47504,"sentiment":"neutral","sentiment_score":0.05047515034675598},{"text":"So if I change if I change department and get off the tools, I like you to know more exporters, that'll change six.","start":723.41504,"end":732.81,"sentiment":"neutral","sentiment_score":0.04259100038072337}],"sentiment":"neutral","sentiment_score":0.011652389743729778,"num_words":46,"start":693.16504,"end":732.81},{"sentences":[{"text":"Yeah.","start":741.82996,"end":742.32996,"sentiment":"neutral","sentiment_score":0.035164281725883484},{"text":"No worries.","start":743.19,"end":743.93,"sentiment":"neutral","sentiment_score":0.01624677050858736},{"text":"That's it.","start":745.475,"end":746.375,"sentiment":"neutral","sentiment_score":-0.01821365300565958},{"text":"Yeah.","start":751.795,"end":752.295,"sentiment":"neutral","sentiment_score":0.090531088411808},{"text":"Got that.","start":752.355,"end":753.175,"sentiment":"neutral","sentiment_score":0.11074705049395561}],"sentiment":"neutral","sentiment_score":0.042906963266432285,"num_words":8,"start":741.82996,"end":753.175},{"sentences":[{"text":"Alright.","start":756.27496,"end":756.77496,"sentiment":"neutral","sentiment_score":0.16863512992858887},{"text":"Yes.","start":779.825,"end":780.305,"sentiment":"positive","sentiment_score":0.3941143751144409},{"text":"That's correct.","start":780.305,"end":781.045,"sentiment":"positive","sentiment_score":0.4139338433742523},{"text":"Excuse me.","start":781.105,"end":781.58496,"sentiment":"neutral","sentiment_score":-0.038277776911854744},{"text":"That's correct.","start":781.58496,"end":782.225,"sentiment":"positive","sentiment_score":0.4118894785642624}],"sentiment":"neutral","sentiment_score":0.2672300743870437,"num_words":8,"start":756.27496,"end":782.225},{"sentences":[{"text":"Can can you possibly get it to be quoted from anything between, like, 801 and then 1.2?","start":782.225,"end":788.74005,"sentiment":"neutral","sentiment_score":0.12437940892927787},{"text":"Because if there's quite a substantial change in premiums, then I can I I only need to be supplemented for my future income?","start":788.74005,"end":796.74005,"sentiment":"neutral","sentiment_score":0.06441387841882913},{"text":"I'd be going back to work.","start":796.74005,"end":797.78,"sentiment":"neutral","sentiment_score":-0.024242389326294262},{"text":"No problem.","start":797.78,"end":798.34,"sentiment":"neutral","sentiment_score":0.17533257603645325},{"text":"So therefore, we could essentially have a small payout just enough to keep it steady, in station.","start":798.34,"end":804.41504,"sentiment":"neutral","sentiment_score":0.2866187310394119}],"sentiment":"neutral","sentiment_score":0.13344151383409134,"num_words":65,"start":782.225,"end":804.41504},{"sentences":[{"text":"But so it's yeah.","start":805.275,"end":807.05505,"sentiment":"neutral","sentiment_score":0.05328704696148634},{"text":"Well, I'd be prepared at this point.","start":813.0,"end":815.08,"sentiment":"neutral","sentiment_score":0.02537402350987707},{"text":"Like, because they will probably look around about anywhere, but it depends because, like, I would have to be looking at school hours.","start":815.08,"end":821.08,"sentiment":"neutral","sentiment_score":-0.010216057624505915},{"text":"Like, generally, I'm in like, so therefore, I would have to apportion my weight.","start":821.08,"end":827.02,"sentiment":"neutral","sentiment_score":-0.02826385060325265},{"text":"So I would probably be looking at pulling probably between thirty and forty a year because I would have to apportion it to, like, you know, inside school hours and to work five days work to be free.","start":827.08,"end":838.755,"sentiment":"neutral","sentiment_score":-0.0023647547748528027}],"sentiment":"neutral","sentiment_score":-0.003834390265563893,"num_words":86,"start":805.275,"end":838.755},{"sentences":[{"text":"So I'd probably only do three or four days a week, you know, maybe five hours a day.","start":838.755,"end":843.78,"sentiment":"neutral","sentiment_score":0.012076372927468684},{"text":"So I would probably pull about between thirty and fifty k a year if I'm if I'm working solidly, and that would be good if you got with the kids at this point.","start":844.08,"end":854.18,"sentiment":"neutral","sentiment_score":0.21467852050607855},{"text":"So yeah.","start":854.365,"end":856.625,"sentiment":"neutral","sentiment_score":0.08379930257797241},{"text":"Like, if, like, if there's a massive difference in the in the premiums between 800 to 1.2, you know, then that if it yeah.","start":857.645,"end":868.89996,"sentiment":"neutral","sentiment_score":-0.01125604915432632},{"text":"That's it it would just be interest I'd I'd just like to see what the fees are for 800, 1,000,000, and 1.2, please.","start":868.89996,"end":875.8,"sentiment":"neutral","sentiment_score":0.05261085943683334}],"sentiment":"neutral","sentiment_score":0.08409269081894308,"num_words":100,"start":838.755,"end":875.8},{"sentences":[{"text":"Okay.","start":876.98,"end":877.48,"sentiment":"positive","sentiment_score":0.3435628414154053},{"text":"Thank you.","start":879.555,"end":889.255,"sentiment":"positive","sentiment_score":0.3564048707485199},{"text":"Because obviously, if we could, you know, better put the premiums, keep them in the super and living towards the hope that we never used to pull on that, that will be ideal.","start":899.07,"end":909.01,"sentiment":"neutral","sentiment_score":0.22767470348061938},{"text":"So we're not thinking from our retirement either for something that may never hurt.","start":909.07,"end":913.675,"sentiment":"neutral","sentiment_score":-0.05528559216431209},{"text":"Yeah.","start":919.65497,"end":919.89496,"sentiment":"neutral","sentiment_score":-0.027101116254925728}],"sentiment":"neutral","sentiment_score":0.15232428218073704,"num_words":51,"start":876.98,"end":919.89496},{"sentences":[{"text":"It's not you said yeah.","start":919.89496,"end":921.815,"sentiment":"neutral","sentiment_score":-0.08648532181978226},{"text":"Ideally, I'm not looking to have my husband clocked so that I can, you know, run me that.","start":921.815,"end":925.26,"sentiment":"neutral","sentiment_score":-0.25430835286776227},{"text":"I don't want that at all.","start":925.26,"end":926.72003,"sentiment":"negative","sentiment_score":-0.4066165437301},{"text":"That is not what I want.","start":926.78,"end":928.4,"sentiment":"negative","sentiment_score":-0.4466353580355644},{"text":"Yes.","start":931.5,"end":932.0,"sentiment":"neutral","sentiment_score":-0.0849669799208641}],"sentiment":"neutral","sentiment_score":-0.28373487086759674,"num_words":36,"start":919.89496,"end":932.0},{"sentences":[{"text":"So you know?","start":932.46,"end":933.60004,"sentiment":"neutral","sentiment_score":-0.11397726088762283},{"text":"Yeah.","start":934.46,"end":934.86,"sentiment":"neutral","sentiment_score":-0.06363177299499512},{"text":"But and then, you know, it's, like, grief.","start":934.86,"end":936.70496,"sentiment":"neutral","sentiment_score":-0.16245590057224035},{"text":"Like, Jesus.","start":936.70496,"end":937.26495,"sentiment":"neutral","sentiment_score":-0.22256926447153091},{"text":"Who wants that?","start":937.26495,"end":938.065,"sentiment":"neutral","sentiment_score":-0.21988158424695334}],"sentiment":"neutral","sentiment_score":-0.16529376717174754,"num_words":17,"start":932.46,"end":938.065},{"sentences":[{"text":"No.","start":938.065,"end":938.14496,"sentiment":"negative","sentiment_score":-0.3381599187850952},{"text":"I'm good.","start":938.14496,"end":938.805,"sentiment":"neutral","sentiment_score":-0.22803115844726562},{"text":"K.","start":940.14496,"end":940.64496,"sentiment":"neutral","sentiment_score":-0.12789985537528992},{"text":"Bye.","start":941.345,"end":941.845,"sentiment":"neutral","sentiment_score":-0.03979708254337311},{"text":"Thank you.","start":942.225,"end":943.045,"sentiment":"neutral","sentiment_score":0.08908726647496223}],"sentiment":"neutral","sentiment_score":-0.11196352009262357,"num_words":7,"start":938.065,"end":943.045},{"sentences":[{"text":"Yeah.","start":944.94495,"end":945.44495,"sentiment":"neutral","sentiment_score":0.02324949949979782},{"text":"Yeah.","start":953.58,"end":953.82,"sentiment":"neutral","sentiment_score":0.034773871302604675},{"text":"And I will get to looking at my next.","start":953.82,"end":955.9,"sentiment":"neutral","sentiment_score":0.01402695601185163},{"text":"It's just been absolutely crazy.","start":955.9,"end":957.66003,"sentiment":"neutral","sentiment_score":-0.10958158001303672},{"text":"Once we get through those school holidays, we'll be done.","start":957.66003,"end":960.78,"sentiment":"neutral","sentiment_score":0.01478041596710682}],"sentiment":"neutral","sentiment_score":-0.008301452518655704,"num_words":26,"start":944.94495,"end":960.78},{"sentences":[{"text":"We'll have so much fun.","start":960.78,"end":963.12,"sentiment":"neutral","sentiment_score":0.19506901651620864},{"text":"Yeah.","start":963.42,"end":963.92,"sentiment":"neutral","sentiment_score":0.09019921720027924},{"text":"Yeah.","start":966.915,"end":967.15497,"sentiment":"neutral","sentiment_score":0.04887237399816513},{"text":"Just yeah.","start":967.15497,"end":969.71497,"sentiment":"neutral","sentiment_score":0.0928293727338314},{"text":"If I could send this to you, that would be great because you're already wrapped around great situation.","start":969.71497,"end":975.175,"sentiment":"neutral","sentiment_score":0.3039497749672996}],"sentiment":"neutral","sentiment_score":0.25078412476513123,"num_words":27,"start":960.78,"end":975.175},{"sentences":[{"text":"And also a big part of why I've been sort of, like, putting off actually even ringing and whatnot is because they changed my whole structure when I'm looking at potentially possibly going back to work at the June.","start":976.035,"end":987.71,"sentiment":"neutral","sentiment_score":-0.24605820385309365},{"text":"So it's kind of like it's been a real there's so many if, what, why's, and, yeah, a few conversations.","start":987.71,"end":995.17,"sentiment":"neutral","sentiment_score":-0.07411248665302991},{"text":"Like, there's quite a bit happening in the background that, you know, could waste be a whole waste of time to go through a big chat discussion with you right now and yeah.","start":995.31,"end":1003.615,"sentiment":"neutral","sentiment_score":-0.21845013851469214},{"text":"Do you know what I mean?","start":1003.615,"end":1004.335,"sentiment":"neutral","sentiment_score":-0.0674911377330621},{"text":"So I'm quite back to work.","start":1004.335,"end":1005.935,"sentiment":"neutral","sentiment_score":0.01700960472226143}],"sentiment":"neutral","sentiment_score":-0.17875253319597015,"num_words":104,"start":976.035,"end":1005.935},{"sentences":[{"text":"Fiftieth is going on.","start":1005.935,"end":1007.215,"sentiment":"neutral","sentiment_score":0.04129625856876373},{"text":"We're going yep.","start":1007.215,"end":1008.255,"sentiment":"neutral","sentiment_score":0.0435854351768891},{"text":"We've got yep.","start":1008.255,"end":1009.875,"sentiment":"neutral","sentiment_score":0.025698889046907425},{"text":"So that would be great if we could schedule it.","start":1010.09503,"end":1012.59503,"sentiment":"neutral","sentiment_score":0.2503296822309494},{"text":"Yeah.","start":1013.75,"end":1014.25,"sentiment":"neutral","sentiment_score":0.08320438116788864}],"sentiment":"neutral","sentiment_score":0.1409304385916108,"num_words":21,"start":1005.935,"end":1014.25},{"sentences":[{"text":"Moving parts.","start":1014.63,"end":1015.52997,"sentiment":"neutral","sentiment_score":0.0748855322599411},{"text":"Completely logistic.","start":1015.91,"end":1017.05,"sentiment":"neutral","sentiment_score":0.17371335625648499},{"text":"We have a whole shit show.","start":1017.11,"end":1018.63,"sentiment":"neutral","sentiment_score":0.09332479008783896},{"text":"Thank you.","start":1018.63,"end":1019.45,"sentiment":"positive","sentiment_score":0.4722822457551956},{"text":"That's Okay.","start":1027.905,"end":1028.7051,"sentiment":"neutral","sentiment_score":0.07615286111831665}],"sentiment":"neutral","sentiment_score":0.1538583379504936,"num_words":14,"start":1014.63,"end":1028.7051},{"sentences":[{"text":"That was that bit.","start":1028.7051,"end":1029.5851,"sentiment":"neutral","sentiment_score":0.05535315629094839},{"text":"So what about the investments for the remainder?","start":1029.5851,"end":1033.685,"sentiment":"neutral","sentiment_score":0.02139481157064438},{"text":"Do you guys yeah.","start":1084.635,"end":1087.515,"sentiment":"neutral","sentiment_score":-0.007117891684174538},{"text":"Sorry.","start":1087.515,"end":1087.915,"sentiment":"neutral","sentiment_score":-0.09904343634843826},{"text":"Do you wait for the market to recover a little bit before we sell everything off and then play?","start":1087.915,"end":1091.915,"sentiment":"neutral","sentiment_score":-0.13218436625443006}],"sentiment":"neutral","sentiment_score":-0.062401301227509975,"num_words":36,"start":1028.7051,"end":1091.915},{"sentences":[{"text":"Or how does it work?","start":1091.915,"end":1092.715,"sentiment":"neutral","sentiment_score":-0.05312999486923218},{"text":"Because, like, to sell it a lot.","start":1092.715,"end":1094.415,"sentiment":"neutral","sentiment_score":-0.03782688294138227},{"text":"Yeah.","start":1094.795,"end":1095.295,"sentiment":"neutral","sentiment_score":-0.008473963476717472},{"text":"Yep.","start":1155.83,"end":1156.33,"sentiment":"neutral","sentiment_score":0.29705068469047546},{"text":"That works.","start":1183.12,"end":1186.02,"sentiment":"positive","sentiment_score":0.3750532567501068}],"sentiment":"neutral","sentiment_score":0.031765317486133426,"num_words":16,"start":1091.915,"end":1186.02},{"sentences":[{"text":"Well, yeah.","start":1187.2,"end":1187.76,"sentiment":"neutral","sentiment_score":0.1254199966788292},{"text":"Yeah.","start":1187.76,"end":1188.24,"sentiment":"neutral","sentiment_score":0.07393813878297806},{"text":"Yeah.","start":1188.24,"end":1188.48,"sentiment":"neutral","sentiment_score":0.030787646770477295},{"text":"That's what I said.","start":1188.48,"end":1189.46,"sentiment":"neutral","sentiment_score":0.021487518213689327},{"text":"There's no room after rush until yeah.","start":1189.84,"end":1193.94,"sentiment":"neutral","sentiment_score":-0.05381179547735623}],"sentiment":"neutral","sentiment_score":0.004322218894958496,"num_words":15,"start":1187.2,"end":1193.94},{"sentences":[{"text":"Alright.","start":1201.935,"end":1202.435,"sentiment":"neutral","sentiment_score":0.11815226078033449},{"text":"Good for what I say for sales?","start":1203.4551,"end":1205.155,"sentiment":"neutral","sentiment_score":0.2566486107451575},{"text":"Yeah.","start":1206.0951,"end":1206.5951,"sentiment":"neutral","sentiment_score":0.10088316351175308},{"text":"Okay.","start":1210.72,"end":1211.12,"sentiment":"neutral","sentiment_score":0.019266171380877495},{"text":"That's the end of That's helpful.","start":1211.12,"end":1218.58,"sentiment":"neutral","sentiment_score":0.32082271327575046}],"sentiment":"neutral","sentiment_score":0.24748613440897316,"num_words":16,"start":1201.935,"end":1218.58},{"sentences":[{"text":"Okay.","start":1220.5599,"end":1220.7999,"sentiment":"neutral","sentiment_score":0.24413269758224487},{"text":"No worries.","start":1220.7999,"end":1221.2,"sentiment":"neutral","sentiment_score":0.14096960797905922},{"text":"Respond to emails.","start":1221.2,"end":1222.26,"sentiment":"neutral","sentiment_score":0.10318615039189656},{"text":"No worries.","start":1223.44,"end":1224.1799,"sentiment":"neutral","sentiment_score":0.08394217304885387},{"text":"Yep.","start":1227.555,"end":1228.055,"sentiment":"neutral","sentiment_score":0.24947361648082733}],"sentiment":"neutral","sentiment_score":0.13922092525495422,"num_words":9,"start":1220.5599,"end":1228.055},{"sentences":[{"text":"No worries.","start":1234.915,"end":1235.4751,"sentiment":"neutral","sentiment_score":0.1804065853357315},{"text":"Okay.","start":1235.4751,"end":1235.9751,"sentiment":"positive","sentiment_score":0.3513759970664978},{"text":"Thank you.","start":1236.515,"end":1237.255,"sentiment":"positive","sentiment_score":0.7120145559310913},{"text":"No.","start":1241.77,"end":1241.9299,"sentiment":"neutral","sentiment_score":-0.00509081594645977},{"text":"Nothing else.","start":1241.9299,"end":1242.83,"sentiment":"neutral","sentiment_score":0.019818700850009918}],"sentiment":"neutral","sentiment_score":0.27134560816921294,"num_words":8,"start":1234.915,"end":1242.83},{"sentences":[{"text":"Thanks.","start":1247.21,"end":1247.53,"sentiment":"positive","sentiment_score":0.5618962049484253},{"text":"Cheers, boss.","start":1247.53,"end":1248.09,"sentiment":"positive","sentiment_score":0.6596521437168121},{"text":"Thank you.","start":1248.09,"end":1248.83,"sentiment":"positive","sentiment_score":0.7268190085887909}],"sentiment":"positive","sentiment_score":0.6669677019119262,"num_words":5,"start":1247.21,"end":1248.83}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Craig. It's Larissa from o q. How are you going?\n\nChannel 1: Good day, Lewis. I don't know.\n\nChannel 0: Yeah. Good. Good. Thank you. Sorry I missed you when you called back in.\n\nChannel 1: That's not right.\n\nChannel 0: Cool. Cool. Before I jump into it, I do need to let you know our calls are recorded. And if I could just get you confirmed security, full name, date of birth, and address.\n\nChannel 1: Craig Dickinson, November '76. 20 Bath Street, Bakersfield 6162.\n\nChannel 0: Perfect. Thank you for that. Okay. So I have done a bunch of research on where to move investment wise, and I've got a plan of action with the investments. And I was looking at the insurances, and I ended up having to get on the phone and call Resolution Life because their portal is atrocious, to be completely honest with you.\n\nAnd I sat on the phone and had a chat with them with respect to the policy that you have.\n\nChannel 1: It it\n\nChannel 0: I\n\nChannel 1: takes\n\nChannel 0: need\n\nChannel 1: a\n\nChannel 0: to\n\nChannel 1: good amount of it takes a good amount\n\nChannel 0: premiums?\n\nChannel 1: of premiums I'll pay that you send me money\n\nChannel 0: Yep.\n\nChannel 1: on the portal.\n\nChannel 0: Yes. So that's where, like, I after I got off the phone to you, I sat there looking at the portal and trying to wrap my head around it, end up getting on the phone to them because their portal is an absolute nightmare. And the premium I quoted, that 1,800, that is for your life policy only. That's not the rest of the premium. The whole premium as a, like, as a whole for the life PPD and IP is $10.\n\nSo I ended up getting it all yeah. So I ended up getting it all broken down, and, obviously, insurance premiums was something we talked about heavily, and I wanted to obviously talk about it and about where to go. Because when we were speaking, we were speaking about the fact that if it's only $1,800, you were happy with the premium the policy and the premium and where everything sat, and you didn't wanna make any alterations to the life and TPD benefit amount. But based on the fact that it's actually $10, I thought that that might change the position drastically.\n\nChannel 1: Yeah. Well, definitely worth the conversation.\n\nChannel 0: Yes. So I didn't wanna turn around and be like, I'm gonna change all these things without actually talking to you and breaking it down properly.\n\nChannel 1: Yes.\n\nChannel 0: So,\n\nChannel 1: $13 a year just for life insurance, is it?\n\nChannel 0: yeah, so it's 1,896. So let's just call it 19. 1,900. We'll just ignore the cents and dollars. $1,900 for the life insurance policy and the total permanent disability, it's 3361.\n\nChannel 1: Yeah.\n\nChannel 0: The IP, it's 3855.\n\nChannel 1: Oh, gee. The numbers you gave is a bit off, ain't\n\nChannel 0: Yes. So when\n\nChannel 1: it?\n\nChannel 0: I first spoke to you, we talked about $18.96 being the full premium, but that's life only. I had to literally get it all broken down and get a I had to get them to send a a document from the back end to actually break\n\nChannel 1: And\n\nChannel 0: it all down properly.\n\nChannel 1: so what what am I paying for out of my credit card, and what am I paying for out of my super?\n\nChannel 0: So out of your super, it's 10 sorry. 10521, and that's for the Life TPD IP. And then out of your credit card, that was correct. So it's the a 100 and I'm just gonna confirm. $150,181 31 a month.\n\nChannel 1: For LIP.\n\nChannel 0: That's for the that's for the trauma. That's the trauma policy. Yeah. No. No.\n\nThat's okay. You're you're so fine.\n\nChannel 1: Oh,\n\nChannel 0: That's for the trauma policy.\n\nChannel 1: I see. Right. Okay. So that's a fair bit of a shock to the system, but, you know, I've been\n\nChannel 0: It\n\nChannel 1: paying\n\nChannel 0: is.\n\nChannel 1: it.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: and probably just\n\nChannel 0: But\n\nChannel 1: takes you to my super, I guess.\n\nChannel 0: yeah. So what I wanna do is I wanna have a realistic conversation about what we do with like, you said that you were pretty comfortable paying the $1.81 from your back pocket, But with the life policy, I guess I wanna have a realistic conversation about where we go with that and what we do. Because as we as we talked about, we're insured for 1.59 in life and 1.59 in PPD. So whether we look at decreasing those amounts, like the insured benefit, to reduce the premiums?\n\nChannel 1: Oh, I guess. But how much is it gonna reduce the so what's the question isn't how much is it gonna\n\nChannel 0: Very\n\nChannel 1: reduce\n\nChannel 0: much.\n\nChannel 1: that?\n\nChannel 0: Very much so. It it's all dependent on how much we wanna\n\nChannel 1: Going.\n\nChannel 0: decrease it by. If we keep to our brackets, so, like, 1.5, one, seven fifty type of, you know, like, our sort of every every 250 to $500,000 brackets, you generally get lump sum discounts. So if we drop it to, like, 1.5 round, you'll find that there'll be a bit of a discount to just have it that round figure. The 91,000 will be costing you a little bit more than it's weird the way they work. But it just realistically, it's probably about altering the policy to fit what we really need because I call the 1.5 probably a bit of a gross over over insurance of what you need.\n\nBecause if anything was to happen to, you know, 1.5 mil is a decent chunk of money plus what\n\nChannel 1: But\n\nChannel 0: you have\n\nChannel 1: my\n\nChannel 0: in your super\n\nChannel 1: my\n\nChannel 0: fund.\n\nChannel 1: wife's my wife's on the in the car here with me. So, yeah, you're talking about her It's only about my future is the two children, so that's a pretty large concern. But I'm okay. We don't. No.\n\nIt's totally fine. Yeah. I might not do.\n\nChannel 0: Yeah.\n\nChannel 1: It's just a waste of money. Yeah. I've I've but I've seen it going $10,000 straight out of the tube. I can probably better invest it in a year. Okay.\n\nYep. Sorry. Keep going.\n\nChannel 0: Yeah. So because so if because we can we can think about it, and it sounds cruel and awful. Like, I'm a mom of three kids. We talked about that.\n\nChannel 1: Yeah.\n\nChannel 0: If if anything was to happen to me in my position with my my family, If my debt was paid out, then, you know, I just need to make sure that my husband's able to pay the ongoing bills of keeping the family sustained. So what we can do is we can make sure that we obviously cover the debt, which we're sitting at, you know, 300 and let's just call it 350,000 by the time we pay out, you know, anything going on the credit card or anything like that. 350,000 to pay off the the mortgage. I know that Shan's not currently working, so there's no income coming in from that side of things. So what we need to do is make sure that we're covering your income that's missing from, you know, from then on.\n\nObviously, we don't need to pay the mortgage, so it would be a matter of your income minus what the mortgage is currently costing you times by, you know, the number of years until the kids are are old enough, which your youngest is nine, so that'd be sort of another nine years until 18.\n\nChannel 1: Yep.\n\nChannel 0: And that's a a way that we can kind of, I guess,\n\nChannel 1: Yeah. That's\n\nChannel 0: analyze\n\nChannel 1: a free\n\nChannel 0: it figure wise.\n\nChannel 1: that's a free figure.\n\nChannel 0: Cool. So what does the mortgage cost you each month?\n\nChannel 1: 3 k. 3 k. $3?\n\nChannel 0: I love a woman that knows the numbers.\n\nChannel 1: I know that would Yeah. $3.\n\nChannel 0: She's all over it. Cool. So let me just figure out what your net income is.\n\nChannel 1: Yeah. Because that that payout, essentially, I know it's a massive payout, but that would be our head start for the kids as\n\nChannel 0: 100\n\nChannel 1: a platform\n\nChannel 0: percent.\n\nChannel 1: to make sure that they're okay because, like, obviously, how do you get into houses? I know, but it's such a difficult question because it's saving into our into our retirement Exactly. Funds. So it's a massive concept. It's complicated.\n\nChannel 0: Yeah. It's it's a toss-up between the two, like, I guess, the two conflicting\n\nChannel 1: But sorry about that because I the the disappointing thing is that there was only, like, from my from my policy, there was only, like,\n\nChannel 0: outcomes.\n\nChannel 1: a 1% price in it last year, and I'm like, jeez. So that $10 has come to out of your super sort of, like, contribution. It says only 1% growth in the year, then it's actually going backward. It's kind of like it's it was a better Okay. That's what we've discussed.\n\nWas better invested in maybe.\n\nChannel 0: Yeah. And I'm 100% would love to have a chat about your super and and how we can improve the investments if and when you have time to. Because I wanna make sure that Yeah. Joined or or, you know, together, we the ultimate goal is to retire to retire together to, you know, off in the sunset on the Harley or whatever retirement looks like for you guys. That's that's the ultimate goal.\n\nThe insurance is, I guess, a contingency plan in the event that something did happen.\n\nChannel 1: Yep. I'll talk to the phone. Alright. So so let's keep working on my numbers.\n\nChannel 0: Cool. So I just did them while we we were talking. So a 185,000 income per year works out to $1.31 5 after tax annually. If I look at $3 per month across the 12, like, you know, in terms of your mortgage repayment, that's $36 a year. Take that off your current income because you would no longer need to service that.\n\nThat tells me that, essentially, your income needs for your family if your mortgage is paid off would be $95,500. Okay? So that's basically what you guys are needing. That's still savings in the bank and anything else that you guys are doing, everything that you're living off. Right?\n\nChannel 1: Yep.\n\nChannel 0: That times nine years gives us 1.2. So it's still a good chunk, but we're just pulling the figures I guess, pulling the insurance amount back or the benefit amount back a little bit to just what we would need if anything happens. So we're\n\nChannel 1: Yep.\n\nChannel 0: not having that that, you know, I guess, extra $300,000 in the event that something did happen. We're just keeping it to a realistic amount and saving on those premiums.\n\nChannel 1: Yep. That's it. So it's\n\nChannel 0: Okay.\n\nChannel 1: through traffic. What is the premium calendar? What is the premium? Yeah. What is the premium?\n\nChannel 0: That's the biggest question, and that's something I have to go through Resolution Life because your policy is older. It's a grandfathered policy, so it's not something I can straight up calculate unless we wanna cancel your policy and write a brand new policy, which, as we've talked about, not possible with your occupation.\n\nChannel 1: Yep.\n\nChannel 0: The insurer that you have is the best insurer out there for your occupation. No one else is really happy to take on the risk of your.\n\nChannel 1: And did you mention that I'm probably, yeah, 20% on the tools now or maybe 10? Does that change six?\n\nChannel 0: I did, and, no, it doesn't. You're already your occupation's already rated to kinda consider a lower rate of working on the tools. So there's no\n\nChannel 1: Friday,\n\nChannel 0: movement I really have there.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. I did try and push that one too.\n\nChannel 1: Yeah.\n\nChannel 0: So yeah.\n\nChannel 1: So\n\nChannel 0: So\n\nChannel 1: if\n\nChannel 0: are we\n\nChannel 1: I change if I change department and get off the tools, I like you\n\nChannel 0: mhmm. Totally?\n\nChannel 1: to know more exporters,\n\nChannel 0: Yep.\n\nChannel 1: that'll change\n\nChannel 0: That will\n\nChannel 1: six.\n\nChannel 0: change. Yeah. Yeah. Yeah. So if you were off the explosives, no no no touching of dealing with, then, yes, definitely would change.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: And if\n\nChannel 1: That's\n\nChannel 0: you were no longer\n\nChannel 1: it.\n\nChannel 0: working on the explosives, we could also look at other insurers as well because the explosives are the are the big part.\n\nChannel 1: Yeah. Got that.\n\nChannel 0: Yeah.\n\nChannel 1: Alright.\n\nChannel 0: So would you be comfortable if I quoted up 1.2 for the life and TPD? Still make the alterations that we talked about bringing the IP back in line with your actual income. And what I'll do is I'll email through the quote once I get it. That way, you have the figures in front of you that like, now versus the change so you can make, with it all written in front of you, informed decision.\n\nChannel 1: Yes. That's correct.\n\nChannel 0: Yeah?\n\nChannel 1: Excuse me.\n\nChannel 0: Okay.\n\nChannel 1: That's\n\nChannel 0: Cool.\n\nChannel 1: correct. Can can you possibly get it to be quoted from anything between, like, 801 and then 1.2? Because if there's quite a substantial change in premiums, then I can I I only need to be supplemented for my future income? I'd be going back to work. No problem.\n\nSo therefore,\n\nChannel 0: Yeah.\n\nChannel 1: we could essentially have a small payout just enough to keep it steady, in station.\n\nChannel 0: Yeah.\n\nChannel 1: But so\n\nChannel 0: Of\n\nChannel 1: it's\n\nChannel 0: course.\n\nChannel 1: yeah.\n\nChannel 0: Yeah. So if you went back to work, what would your income roughly look like?\n\nChannel 1: Well, I'd be prepared at this point. Like, because they will probably look around about anywhere, but it depends because, like, I would have to be looking at school hours. Like, generally,\n\nChannel 0: Yeah.\n\nChannel 1: I'm in like, so therefore, I would have to apportion my weight. So I would probably be looking at pulling probably between thirty and forty a year because I would have to apportion it to, like, you know, inside school hours and to work five days work to be free. So I'd probably only do three or four days a week,\n\nChannel 0: Yeah.\n\nChannel 1: you know, maybe five hours a day. So I would probably pull about between thirty and fifty k a year if I'm if I'm working solidly, and that would be good if you got with the kids at this point. So\n\nChannel 0: Yeah.\n\nChannel 1: yeah. Like,\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: if, like, if there's a massive difference in the in the premiums between 800 to 1.2, you know, then that if it yeah. That's it it would just be interest I'd I'd just like to see what the fees are for 800, 1,000,000, and 1.2, please.\n\nChannel 0: Yeah. Absolutely. Yeah.\n\nChannel 1: Okay.\n\nChannel 0: Absolutely. I can do that.\n\nChannel 1: Thank\n\nChannel 0: I'll what I'll do is I'll actually factor in like, I'll do the math properly and factor in if you were to get an income as at, you know, that date,\n\nChannel 1: you.\n\nChannel 0: how that would affect, I guess, a family's ongoing needs, and make sure that that fits with the parameters that of the 08/2001 and 01/2002. Okay?\n\nChannel 1: Because obviously, if we could, you know, better put the premiums, keep them in the super and living towards the hope that we never used to pull on that, that will be ideal. So we're not thinking from our retirement either for something that may never hurt.\n\nChannel 0: No. 100%. Yeah. You've ultimately, the goal is to to not to\n\nChannel 1: Yeah.\n\nChannel 0: not\n\nChannel 1: It's\n\nChannel 0: need\n\nChannel 1: not\n\nChannel 0: the policy.\n\nChannel 1: you said yeah. Ideally, I'm not looking to have my husband clocked so that I can, you know, run me that. I don't want that at all. That is\n\nChannel 0: No.\n\nChannel 1: not what I want.\n\nChannel 0: They're sometimes worth more more to us alive than dead.\n\nChannel 1: Yes.\n\nChannel 0: We\n\nChannel 1: So\n\nChannel 0: tend to\n\nChannel 1: you\n\nChannel 0: like\n\nChannel 1: know?\n\nChannel 0: them a lot.\n\nChannel 1: Yeah. But and then, you know, it's, like, grief. Like, Jesus. Who wants that? No.\n\nI'm good.\n\nChannel 0: No. We\n\nChannel 1: K.\n\nChannel 0: don't.\n\nChannel 1: Bye. Thank\n\nChannel 0: We\n\nChannel 1: you.\n\nChannel 0: love them, but we can't live with them sometimes.\n\nChannel 1: Yeah.\n\nChannel 0: 100%. No. I get it. I have one of those too.\n\nChannel 1: Yeah. And I will get to looking at my next. It's just been absolutely crazy. Once we get through those school holidays, we'll be done. We'll have so\n\nChannel 0: Yeah.\n\nChannel 1: much fun. Yeah.\n\nChannel 0: Well, how about I'll send you an email separately, so that way\n\nChannel 1: Yeah.\n\nChannel 0: you have\n\nChannel 1: Just\n\nChannel 0: a direct line to contact me.\n\nChannel 1: yeah.\n\nChannel 0: And,\n\nChannel 1: If I could send this to you, that would be great because\n\nChannel 0: yeah.\n\nChannel 1: you're already wrapped around great situation.\n\nChannel 0: Yeah.\n\nChannel 1: And also a big part of why I've been sort of, like, putting off actually even ringing and whatnot is because they changed my whole structure when I'm looking at potentially possibly going back to work at the June. So it's kind of like it's been a real there's so many if, what, why's, and, yeah, a\n\nChannel 0: Yeah.\n\nChannel 1: few conversations. Like, there's quite a bit happening in the background that, you know, could waste be a whole waste of time to go through a big chat discussion with you right now and yeah. Do you know what I mean? So I'm quite\n\nChannel 0: Yeah.\n\nChannel 1: back to work. Fiftieth is going on. We're going yep. We've got yep. So that would be great if we could schedule\n\nChannel 0: Moving parts\n\nChannel 1: it.\n\nChannel 0: everywhere.\n\nChannel 1: Yeah. Moving parts. Completely logistic. We have a whole shit show. Thank you.\n\nChannel 0: No. Absolutely. I'll send you an email. I will get on to ResLife now, get those quotes, and email that through to Craig as soon as I get them. Okay?\n\nChannel 1: That's Okay. That was that bit. So what about the investments for the remainder?\n\nChannel 0: Yep. So investments. What I wanna do is I did a bit of research into, obviously, where you're invested, where we can move into. You're currently in a high growth investment portfolio, and what I wanna do is I wanna keep you in that high growth, so not taking any less risk, but a, cut down on about a thousand dollars worth of your investment fees per annum. Actually, a thousand and 3 if we're gonna be specific.\n\nAnd that is going to obviously reduce the ongoing cost of of the funds being invested. The reason it's such a difference is because I wanna invest in more ETFs, which are exchange trade funds. They're just a little bit cheaper to operate. Their ongoing performance is a a bit better as well. So we're gonna convert into a historical performance of that 16% per annum.\n\nObviously, that's\n\nChannel 1: Do you\n\nChannel 0: historically.\n\nChannel 1: guys\n\nChannel 0: Yes?\n\nChannel 1: yeah. Sorry. Do you wait for the market to recover a little bit before we sell everything off and then play? Or how does it work? Because, like, to sell\n\nChannel 0: Yes\n\nChannel 1: it a lot.\n\nChannel 0: and yes\n\nChannel 1: Yeah.\n\nChannel 0: and no. So what I do is I try and, like, trade it effectively. If you're trading in a way where you're selling and buying within the same time frame, you're selling at a loss, but you're also buying at a loss. So you have the benefit of buying in at that lower cost. Yes.\n\nI would always love to sell at a high, but you can't effectively do that in any way, shape, or form. But I try and do it in a way that we're gonna pay the least amount of tax and do it cost effectively. I don't wanna, you know, have someone out of the market for an extended period of time where they're sitting in cash. And, likewise, I don't wanna delay trying to make a move on investments where it's gonna, you know, misappropriately affect someone's position either. So because I can trade really, really quickly, it doesn't have the same effect as if I was to, you know, sell and then try and buy a few days later.\n\nI'm selling and buying within the same same time frame.\n\nChannel 1: Yep.\n\nChannel 0: Cool. So I won't go ahead with that, but I think let's try and tie up the insurance and the super all at once. So I'm gonna go to ResLife, get the quotes. I'm gonna escalate it with them and try and get them turned around ASAP and email them through to you. Okay?\n\nCool. I should hopefully have them by the beginning of next week at the latest.\n\nChannel 1: That works.\n\nChannel 0: Alright.\n\nChannel 1: Well, yeah.\n\nChannel 0: Were there\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: any\n\nChannel 1: That's what\n\nChannel 0: other\n\nChannel 1: I said. There's no\n\nChannel 0: yeah.\n\nChannel 1: room after rush until yeah.\n\nChannel 0: Because when do you guys go on school holidays? Because I think else. I should know this. I have three in school, but I'm pretty sure ours are in end of next week,\n\nChannel 1: Alright.\n\nChannel 0: I'll start,\n\nChannel 1: Good for\n\nChannel 0: I think.\n\nChannel 1: what I say for sales?\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Ours two. Yeah. So a couple weeks. Alright.\n\nPerfect.\n\nChannel 1: Okay.\n\nChannel 0: Well,\n\nChannel 1: That's the\n\nChannel 0: let's try and get this all sorted before\n\nChannel 1: end\n\nChannel 0: Easter then, if\n\nChannel 1: of\n\nChannel 0: you're happy with that. So that way you guys can rest\n\nChannel 1: That's\n\nChannel 0: easy\n\nChannel 1: helpful.\n\nChannel 0: and enjoy Easter and the holidays with the kids.\n\nChannel 1: Okay. No worries. Respond to emails.\n\nChannel 0: Yeah.\n\nChannel 1: No\n\nChannel 0: Yeah.\n\nChannel 1: worries.\n\nChannel 0: I mean, I'm happy to communicate over emails. That's fine.\n\nChannel 1: Yep.\n\nChannel 0: Fine. Cool. But, no, it's I will get it all working, and we will talk soon.\n\nChannel 1: No worries. Okay. Thank you.\n\nChannel 0: Perfect. No. Not a problem at all, guys. Was there anything else?\n\nChannel 1: No. Nothing else.\n\nChannel 0: Alright. If you have any questions, feel free to flick an email through.\n\nChannel 1: Thanks. Cheers, boss. Thank you.\n\nChannel 0: And that's okay. Bye, guys.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.92,"end":2.42,"sentiment":"neutral","sentiment_score":0.02161373943090439}],"sentiment":"neutral","sentiment_score":0.02161373943090439,"channel":1,"num_words":1,"start":1.92,"end":2.42},{"sentences":[{"text":"Hi, Craig.","start":3.36,"end":4.0,"sentiment":"neutral","sentiment_score":0.09005166217684746},{"text":"It's Larissa from o q.","start":4.0,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.09753274321556091},{"text":"How are you going?","start":5.2799997,"end":6.1,"sentiment":"neutral","sentiment_score":0.16436949372291565}],"sentiment":"neutral","sentiment_score":0.12047681957483292,"channel":0,"num_words":11,"start":3.36,"end":6.1},{"sentences":[{"text":"Good day, Lewis.","start":6.16,"end":6.96,"sentiment":"neutral","sentiment_score":0.18072611093521118},{"text":"I don't know.","start":6.96,"end":7.8599997,"sentiment":"neutral","sentiment_score":-0.022578261171778042}],"sentiment":"neutral","sentiment_score":0.07907392488171656,"channel":1,"num_words":6,"start":6.16,"end":7.8599997},{"sentences":[{"text":"Yeah.","start":8.16,"end":8.639999,"sentiment":"neutral","sentiment_score":0.07897032797336578},{"text":"Good.","start":8.639999,"end":8.96,"sentiment":"neutral","sentiment_score":0.2548993229866028},{"text":"Good.","start":8.96,"end":9.28,"sentiment":"neutral","sentiment_score":0.32719236612319946},{"text":"Thank you.","start":9.28,"end":10.179999,"sentiment":"positive","sentiment_score":0.39591503143310547},{"text":"Sorry I missed you when you called back in.","start":10.4,"end":12.74,"sentiment":"neutral","sentiment_score":-0.18746772242916954}],"sentiment":"neutral","sentiment_score":-0.01673695870808193,"channel":0,"num_words":14,"start":8.16,"end":12.74},{"sentences":[{"text":"That's not right.","start":13.5199995,"end":14.42,"sentiment":"negative","sentiment_score":-0.42493558923403424}],"sentiment":"negative","sentiment_score":-0.42493558923403424,"channel":1,"num_words":3,"start":13.5199995,"end":14.42},{"sentences":[{"text":"Cool.","start":15.165,"end":15.485,"sentiment":"neutral","sentiment_score":0.12202948331832886},{"text":"Cool.","start":15.485,"end":15.985,"sentiment":"neutral","sentiment_score":0.1260122507810593},{"text":"Before I jump into it, I do need to let you know our calls are recorded.","start":16.285,"end":19.105,"sentiment":"neutral","sentiment_score":0.042382183484733105},{"text":"And if I could just get you confirmed security, full name, date of birth, and address.","start":19.325,"end":23.025,"sentiment":"neutral","sentiment_score":0.054513122886419296}],"sentiment":"neutral","sentiment_score":0.052893136354053724,"channel":0,"num_words":34,"start":15.165,"end":23.025},{"sentences":[{"text":"Craig Dickinson, November '76.","start":23.915,"end":26.575,"sentiment":"neutral","sentiment_score":0.018139048013836145},{"text":"20 Bath Street, Bakersfield 6162.","start":26.795,"end":29.615,"sentiment":"neutral","sentiment_score":0.022552339173853398}],"sentiment":"neutral","sentiment_score":0.020590876436067954,"channel":1,"num_words":9,"start":23.915,"end":29.615},{"sentences":[{"text":"Perfect.","start":30.220001,"end":30.7,"sentiment":"positive","sentiment_score":0.5713514685630798},{"text":"Thank you for that.","start":30.7,"end":31.76,"sentiment":"positive","sentiment_score":0.6104443222284317},{"text":"Okay.","start":32.22,"end":32.72,"sentiment":"neutral","sentiment_score":0.20399510860443115},{"text":"So I have done a bunch of research on where to move investment wise, and I've got a plan of action with the investments.","start":32.78,"end":40.475,"sentiment":"neutral","sentiment_score":0.07923301231736939},{"text":"And I was looking at the insurances, and I ended up having to get on the phone and call Resolution Life because their portal is atrocious, to be completely honest with you.","start":40.855,"end":49.434998,"sentiment":"neutral","sentiment_score":-0.254783762502484}],"sentiment":"neutral","sentiment_score":-0.04894135868357074,"channel":0,"num_words":62,"start":30.220001,"end":49.434998},{"sentences":[{"text":"And I sat on the phone and had a chat with them with respect to the policy that you have.","start":50.535,"end":55.32,"sentiment":"neutral","sentiment_score":-0.09144261553883552}],"sentiment":"neutral","sentiment_score":-0.09144261553883552,"channel":0,"num_words":20,"start":50.535,"end":55.32},{"sentences":[{"text":"It it","start":56.02,"end":56.34,"sentiment":"neutral","sentiment_score":-0.03987831063568592}],"sentiment":"neutral","sentiment_score":-0.03987831063568592,"channel":1,"num_words":2,"start":56.02,"end":56.34},{"sentences":[{"text":"I","start":56.28,"end":56.52,"sentiment":"neutral","sentiment_score":-0.07546821236610413}],"sentiment":"neutral","sentiment_score":-0.07546821236610413,"channel":0,"num_words":1,"start":56.28,"end":56.52},{"sentences":[{"text":"takes","start":56.34,"end":56.66,"sentiment":"neutral","sentiment_score":-0.06337236613035202}],"sentiment":"neutral","sentiment_score":-0.06337236613035202,"channel":1,"num_words":1,"start":56.34,"end":56.66},{"sentences":[{"text":"need","start":56.52,"end":56.68,"sentiment":"neutral","sentiment_score":-0.0745503157377243}],"sentiment":"neutral","sentiment_score":-0.0745503157377243,"channel":0,"num_words":1,"start":56.52,"end":56.68},{"sentences":[{"text":"a","start":56.66,"end":56.739998,"sentiment":"neutral","sentiment_score":-0.10458823293447496}],"sentiment":"neutral","sentiment_score":-0.10458823293447496,"channel":1,"num_words":1,"start":56.66,"end":56.739998},{"sentences":[{"text":"to","start":56.68,"end":57.079998,"sentiment":"neutral","sentiment_score":-0.08524906635284424}],"sentiment":"neutral","sentiment_score":-0.08524906635284424,"channel":0,"num_words":1,"start":56.68,"end":57.079998},{"sentences":[{"text":"good amount of it takes a good amount","start":56.739998,"end":59.68,"sentiment":"neutral","sentiment_score":-0.07173009123653173}],"sentiment":"neutral","sentiment_score":-0.07173009123653173,"channel":1,"num_words":8,"start":56.739998,"end":59.68},{"sentences":[{"text":"premiums?","start":59.48,"end":59.98,"sentiment":"neutral","sentiment_score":-0.08634211868047714}],"sentiment":"neutral","sentiment_score":-0.08634211868047714,"channel":0,"num_words":1,"start":59.48,"end":59.98},{"sentences":[{"text":"of premiums I'll pay that you send me money","start":59.879997,"end":62.739998,"sentiment":"neutral","sentiment_score":-0.06203489460878902}],"sentiment":"neutral","sentiment_score":-0.06203489460878902,"channel":1,"num_words":9,"start":59.879997,"end":62.739998},{"sentences":[{"text":"Yep.","start":62.6,"end":63.1,"sentiment":"neutral","sentiment_score":-0.01673801988363266}],"sentiment":"neutral","sentiment_score":-0.01673801988363266,"channel":0,"num_words":1,"start":62.6,"end":63.1},{"sentences":[{"text":"on the portal.","start":62.739998,"end":63.559998,"sentiment":"neutral","sentiment_score":-0.03983243306477865}],"sentiment":"neutral","sentiment_score":-0.03983243306477865,"channel":1,"num_words":3,"start":62.739998,"end":63.559998},{"sentences":[{"text":"Yes.","start":64.2,"end":64.7,"sentiment":"neutral","sentiment_score":-0.0228408370167017},{"text":"So that's where, like, I after I got off the phone to you, I sat there looking at the portal and trying to wrap my head around it, end up getting on the phone to them because their portal is an absolute nightmare.","start":64.92,"end":75.475,"sentiment":"neutral","sentiment_score":-0.2384056348440259},{"text":"And the premium I quoted, that 1,800, that is for your life policy only.","start":76.335,"end":81.395,"sentiment":"neutral","sentiment_score":-0.1696430742740631},{"text":"That's not the rest of the premium.","start":81.935,"end":83.695,"sentiment":"neutral","sentiment_score":-0.2131570279598236},{"text":"The whole premium as a, like, as a whole for the life PPD and IP is $10.","start":83.695,"end":89.08,"sentiment":"neutral","sentiment_score":-0.10733141530962552}],"sentiment":"neutral","sentiment_score":-0.19470755403815973,"channel":0,"num_words":82,"start":64.2,"end":89.08},{"sentences":[{"text":"So I ended up getting it all yeah.","start":90.02,"end":92.34,"sentiment":"neutral","sentiment_score":-0.12564432993531227},{"text":"So I ended up getting it all broken down, and, obviously, insurance premiums was something we talked about heavily, and I wanted to obviously talk about it and about where to go.","start":92.34,"end":103.845,"sentiment":"neutral","sentiment_score":0.01130865584127605},{"text":"Because when we were speaking, we were speaking about the fact that if it's only $1,800, you were happy with the premium the policy and the premium and where everything sat, and you didn't wanna make any alterations to the life and TPD benefit amount.","start":103.845,"end":117.159996,"sentiment":"neutral","sentiment_score":0.11590304233961635},{"text":"But based on the fact that it's actually $10, I thought that that might change the position drastically.","start":117.46,"end":123.64,"sentiment":"neutral","sentiment_score":-0.0814259143339263}],"sentiment":"neutral","sentiment_score":0.030162065968062115,"channel":0,"num_words":103,"start":90.02,"end":123.64},{"sentences":[{"text":"Yeah.","start":124.8,"end":125.119995,"sentiment":"positive","sentiment_score":0.5124175548553467},{"text":"Well, definitely worth the conversation.","start":125.119995,"end":127.46,"sentiment":"positive","sentiment_score":0.648613452911377}],"sentiment":"positive","sentiment_score":0.6259141365687052,"channel":1,"num_words":6,"start":124.8,"end":127.46},{"sentences":[{"text":"Yes.","start":128.355,"end":128.855,"sentiment":"positive","sentiment_score":0.3703049421310425},{"text":"So I didn't wanna turn around and be like, I'm gonna change all these things without actually talking to you and breaking it down properly.","start":128.995,"end":134.295,"sentiment":"neutral","sentiment_score":-0.14414246581494808}],"sentiment":"neutral","sentiment_score":-0.1243560270477946,"channel":0,"num_words":26,"start":128.355,"end":134.295},{"sentences":[{"text":"Yes.","start":135.495,"end":135.995,"sentiment":"neutral","sentiment_score":0.046904463320970535}],"sentiment":"neutral","sentiment_score":0.046904463320970535,"channel":1,"num_words":1,"start":135.495,"end":135.995},{"sentences":[{"text":"So,","start":135.555,"end":136.055,"sentiment":"neutral","sentiment_score":0.01255219243466854}],"sentiment":"neutral","sentiment_score":0.01255219243466854,"channel":0,"num_words":1,"start":135.555,"end":136.055},{"sentences":[{"text":"$13 a year just for life insurance, is it?","start":136.855,"end":139.995,"sentiment":"neutral","sentiment_score":0.01594763683776061}],"sentiment":"neutral","sentiment_score":0.01594763683776061,"channel":1,"num_words":9,"start":136.855,"end":139.995},{"sentences":[{"text":"yeah, so it's 1,896.","start":140.13,"end":142.87001,"sentiment":"neutral","sentiment_score":0.0012227062252350156},{"text":"So let's just call it 19.","start":143.01001,"end":144.23001,"sentiment":"neutral","sentiment_score":0.012441557521621386},{"text":"1,900.","start":144.85,"end":145.99,"sentiment":"neutral","sentiment_score":0.008366674184799194},{"text":"We'll just ignore the cents and dollars.","start":146.29001,"end":148.37001,"sentiment":"neutral","sentiment_score":-0.022015093958803585},{"text":"$1,900 for the life insurance policy and the total permanent disability, it's 3361.","start":148.37001,"end":162.35501,"sentiment":"neutral","sentiment_score":0.007757503360223312}],"sentiment":"neutral","sentiment_score":0.0011177009737659846,"channel":0,"num_words":31,"start":140.13,"end":162.35501},{"sentences":[{"text":"Yeah.","start":164.685,"end":165.185,"sentiment":"neutral","sentiment_score":0.004474010784178972}],"sentiment":"neutral","sentiment_score":0.004474010784178972,"channel":1,"num_words":1,"start":164.685,"end":165.185},{"sentences":[{"text":"The IP, it's 3855.","start":166.27,"end":171.33,"sentiment":"neutral","sentiment_score":-0.005781066021881998}],"sentiment":"neutral","sentiment_score":-0.005781066021881998,"channel":0,"num_words":4,"start":166.27,"end":171.33},{"sentences":[{"text":"Oh, gee.","start":172.81,"end":173.12999,"sentiment":"neutral","sentiment_score":-0.10377096757292747},{"text":"The numbers you gave is a bit off, 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we're gonna pay the least amount of tax and do it cost effectively.","start":1116.985,"end":1121.8049,"sentiment":"neutral","sentiment_score":0.31794505339601764},{"text":"I don't wanna, you know, have someone out of the market for an extended period of time where they're sitting in cash.","start":1122.585,"end":1127.565,"sentiment":"neutral","sentiment_score":-0.04854471475647932},{"text":"And, likewise, I don't wanna delay trying to make a move on investments where it's gonna, you know, misappropriately affect someone's position either.","start":1128.36,"end":1137.34,"sentiment":"neutral","sentiment_score":-0.02307788007285284},{"text":"So because I can trade really, really quickly, it doesn't have the same effect as if I was to, you know, sell and then try and buy a few days 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if","start":1213.68,"end":1214.64,"sentiment":"neutral","sentiment_score":0.1443773259719213}],"sentiment":"neutral","sentiment_score":0.1443773259719213,"channel":0,"num_words":3,"start":1213.68,"end":1214.64},{"sentences":[{"text":"of","start":1214.5599,"end":1215.0599,"sentiment":"neutral","sentiment_score":0.189274400472641}],"sentiment":"neutral","sentiment_score":0.189274400472641,"channel":1,"num_words":1,"start":1214.5599,"end":1215.0599},{"sentences":[{"text":"you're happy with that.","start":1214.64,"end":1215.78,"sentiment":"positive","sentiment_score":0.41647832840681076},{"text":"So that way you guys can rest","start":1216.16,"end":1217.8401,"sentiment":"positive","sentiment_score":0.40626926507268635}],"sentiment":"positive","sentiment_score":0.4099816517396407,"channel":0,"num_words":11,"start":1214.64,"end":1217.8401},{"sentences":[{"text":"That's","start":1217.84,"end":1218.08,"sentiment":"positive","sentiment_score":0.600014328956604}],"sentiment":"positive","sentiment_score":0.600014328956604,"channel":1,"num_words":1,"start":1217.84,"end":1218.08},{"sentences":[{"text":"easy","start":1217.8401,"end":1218.16,"sentiment":"positive","sentiment_score":0.7623987793922424}],"sentiment":"positive","sentiment_score":0.7623987793922424,"channel":0,"num_words":1,"start":1217.8401,"end":1218.16},{"sentences":[{"text":"helpful.","start":1218.08,"end":1218.58,"sentiment":"positive","sentiment_score":0.6634563207626343}],"sentiment":"positive","sentiment_score":0.6634563207626343,"channel":1,"num_words":1,"start":1218.08,"end":1218.58},{"sentences":[{"text":"and enjoy Easter and the holidays with the kids.","start":1218.16,"end":1220.3401,"sentiment":"positive","sentiment_score":0.7572607066896226}],"sentiment":"positive","sentiment_score":0.7572607066896226,"channel":0,"num_words":9,"start":1218.16,"end":1220.3401},{"sentences":[{"text":"Okay.","start":1220.5599,"end":1220.7999,"sentiment":"neutral","sentiment_score":0.24413269758224487},{"text":"No worries.","start":1220.7999,"end":1221.2,"sentiment":"neutral","sentiment_score":0.14096960797905922},{"text":"Respond to 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mean, I'm happy to communicate over emails.","start":1223.855,"end":1226.0149,"sentiment":"neutral","sentiment_score":0.31848340295255184},{"text":"That's fine.","start":1226.0149,"end":1226.755,"sentiment":"neutral","sentiment_score":0.2979869842529297}],"sentiment":"neutral","sentiment_score":0.31438411921262743,"channel":0,"num_words":10,"start":1223.855,"end":1226.755},{"sentences":[{"text":"Yep.","start":1227.555,"end":1228.055,"sentiment":"neutral","sentiment_score":0.24947361648082733}],"sentiment":"neutral","sentiment_score":0.24947361648082733,"channel":1,"num_words":1,"start":1227.555,"end":1228.055},{"sentences":[{"text":"Fine.","start":1228.735,"end":1229.0549,"sentiment":"positive","sentiment_score":0.4125674366950989},{"text":"Cool.","start":1229.0549,"end":1229.2949,"sentiment":"positive","sentiment_score":0.4771442413330078},{"text":"But, no, it's I will get it all working, and we will talk 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guys.","start":1237.87,"end":1238.83,"sentiment":"positive","sentiment_score":0.4156727244456609},{"text":"Was there anything else?","start":1238.83,"end":1239.97,"sentiment":"neutral","sentiment_score":0.18220613151788712}],"sentiment":"positive","sentiment_score":0.3549580325682958,"channel":0,"num_words":12,"start":1236.9099,"end":1239.97},{"sentences":[{"text":"No.","start":1241.77,"end":1241.9299,"sentiment":"neutral","sentiment_score":-0.00509081594645977},{"text":"Nothing else.","start":1241.9299,"end":1242.83,"sentiment":"neutral","sentiment_score":0.019818700850009918}],"sentiment":"neutral","sentiment_score":0.011515528584520021,"channel":1,"num_words":3,"start":1241.77,"end":1242.83},{"sentences":[{"text":"Alright.","start":1243.5309,"end":1243.9309,"sentiment":"neutral","sentiment_score":0.15433140099048617},{"text":"If you have any questions, feel free to flick an email 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guys.","start":1250.0109,"end":1250.8308,"sentiment":"neutral","sentiment_score":0.09630529955029488}],"sentiment":"neutral","sentiment_score":0.32514115124940873,"channel":0,"num_words":5,"start":1249.1309,"end":1250.8308}]},"summary":{"result":"success","short":"During a call with Craig, representatives from o q discuss his insurance policy and premiums, suggesting reducing premiums and covering income for retirement expenses. They emphasize saving on premiums and emphasizing saving on retirement expenses and income. The agents explain the process of adjusting premiums and recommend looking at other insurers. The customer is interested in seeing fees for a policy and may move into a high-growth investment portfolio. The agents explain the process of adjusting premiums and ensuring the customer is in high growth while avoiding miscalculations."},"intents":{"segments":[{"text":"But based on the fact that it's actually $10, I thought that that might change the position drastically. Yeah.","start_word":357,"end_word":375,"intents":[{"intent":"Analyze insurance payment","confidence_score":0.000185006}]},{"text":"81 from your back pocket, But with the life policy, I guess I wanna have a realistic conversation about where we go with that and what we do. Because as we as we talked about, we're insured for 1.59 in life and 1.59 in PPD. So whether we look at decreasing those amounts, like the insured benefit, to reduce the premiums?","start_word":677,"end_word":737,"intents":[{"intent":"Discuss policy options","confidence_score":0.03765466}]},{"text":"So what we can do is we can make sure that we obviously cover the debt, which we're sitting at, you know, 300 and let's just call it 350,000 by the time we pay out, you know, anything going on the credit card or anything like that.","start_word":1071,"end_word":1117,"intents":[{"intent":"Cover debt","confidence_score":0.8504078}]},{"text":"So let me just figure out what your net income is. Yeah.","start_word":1279,"end_word":1290,"intents":[{"intent":"Calculate net income","confidence_score":0.056994256}]},{"text":"And I'm 100% would love to have a chat about your super and and how we can improve the investments if and when you have time to.","start_word":1455,"end_word":1481,"intents":[{"intent":"Improve investments","confidence_score":0.65125525}]},{"text":"Joined or or, you know, together, we the ultimate goal is to retire to retire together to, you know, off in the sunset on the Harley or whatever retirement looks like for you guys.","start_word":1489,"end_word":1522,"intents":[{"intent":"Set retirement goals","confidence_score":0.00054578274}]},{"text":"So it's still a good chunk, but we're just pulling the figures I guess, pulling the insurance amount back or the benefit amount back a little bit to just what we would need if anything happens.","start_word":1678,"end_word":1713,"intents":[{"intent":"Pull insurance amount","confidence_score":0.0106395865}]},{"text":"What is the premium?","start_word":1765,"end_word":1768,"intents":[{"intent":"Clarify premiums","confidence_score":0.0056169853}]},{"text":"That's the biggest question, and that's something I have to go through Resolution Life because your policy is older. It's a grandfathered policy, so it's not something I can straight up calculate unless we wanna cancel your policy and write a brand new policy, which, as we've talked about, not possible with your occupation. Yep.","start_word":1769,"end_word":1823,"intents":[{"intent":"Determine policy requirements","confidence_score":0.005886224}]},{"text":"The insurer that you have is the best insurer out there for your occupation. No one else is really happy to take on the risk of your. And did you mention that I'm probably, yeah, 20% on the tools now or maybe 10? Does that change six?","start_word":1824,"end_word":1870,"intents":[{"intent":"Determine rate of interest","confidence_score":0.0000052577325}]},{"text":"And did you mention that I'm probably, yeah, 20% on the tools now or maybe 10? Does that change six?","start_word":1851,"end_word":1870,"intents":[{"intent":"Determine changes to tools","confidence_score":0.0017986107}]},{"text":"So So if are we I change if I change department and get off the tools, I like you mhmm. Totally?","start_word":1916,"end_word":1936,"intents":[{"intent":"Change working environment","confidence_score":0.000009493933}]},{"text":"So would you be comfortable if I quoted up 1.2 for the life and TPD?","start_word":2008,"end_word":2022,"intents":[{"intent":"Obtain quote for life and tpd","confidence_score":0.0020476596}]},{"text":"if, like, if there's a massive difference in the in the premiums between 800 to 1.2, you know, then that if it yeah. That's it it would just be interest I'd I'd just like to see what the fees are for 800, 1,000,000, and 1.2, please. Yeah.","start_word":2324,"end_word":2370,"intents":[{"intent":"Provide cost estimates","confidence_score":0.00075637206}]},{"text":"So that would be great if we could schedule Moving parts it. everywhere.","start_word":2797,"end_word":2809,"intents":[{"intent":"Schedule moving parts","confidence_score":0.68119925}]},{"text":"What I wanna do is I did a bit of research into, obviously, where you're invested, where we can move into. You're currently in a high growth investment portfolio, and what I wanna do is I wanna keep you in that high growth, so not taking any less risk, but a, cut down on about a thousand dollars worth of your investment fees per annum.","start_word":2870,"end_word":2934,"intents":[{"intent":"Reduce investment fees","confidence_score":0.16254298}]},{"text":"So we're gonna convert into a historical performance of that 16% per annum.","start_word":2998,"end_word":3010,"intents":[{"intent":"Convert historical performance","confidence_score":0.10160131}]},{"text":"Do you wait for the market to recover a little bit before we sell everything off and then play? Or how does it work?","start_word":3020,"end_word":3043,"intents":[{"intent":"Wait for market to recover","confidence_score":0.41793808}]},{"text":"So what I do is I try and, like, trade it effectively. If you're trading in a way where you're selling and buying within the same time frame, you're selling at a loss, but you're also buying at a loss. So you have the benefit of buying in at that lower cost. Yes.","start_word":3058,"end_word":3110,"intents":[{"intent":"Trade effectively","confidence_score":0.24534099}]},{"text":"So I won't go ahead with that, but I think let's try and tie up the insurance and the super all at once. So I'm gonna go to ResLife, get the quotes. I'm gonna escalate it with them and try and get them turned around ASAP and email them through to you. Okay? Cool.","start_word":3242,"end_word":3295,"intents":[{"intent":"Get quotes","confidence_score":0.09669682},{"intent":"Email quotes","confidence_score":0.47585985}]},{"text":"Because when do you guys go on school holidays? Because I think else.","start_word":3333,"end_word":3345,"intents":[{"intent":"Start school holidays","confidence_score":0.49843818}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Craig. It's Larissa from o q. How are you going? Good day, Lewis. I don't know. Yeah. Good. Good.","start_word":0,"end_word":20,"sentiment":"neutral","sentiment_score":0.11245229095220566},{"text":"Thank you.","start_word":21,"end_word":22,"sentiment":"positive","sentiment_score":0.3753642439842224},{"text":"Sorry I missed you when you called back in.","start_word":23,"end_word":31,"sentiment":"neutral","sentiment_score":-0.1788712739944458},{"text":"That's not right.","start_word":32,"end_word":34,"sentiment":"negative","sentiment_score":-0.434057891368866},{"text":"Cool. Cool. Before I jump into it, I do need to let you know our calls are recorded. And if I could just get you confirmed security, full name, date of birth, and address. Craig Dickinson, November '76. 20 Bath Street, Bakersfield 6162.","start_word":35,"end_word":77,"sentiment":"neutral","sentiment_score":0.045076820999383926},{"text":"Perfect. Thank you for that.","start_word":78,"end_word":82,"sentiment":"positive","sentiment_score":0.591938316822052},{"text":"Okay. So I have done a bunch of research on where to move investment wise, and I've got a plan of action with the investments. And I was looking at the insurances, and I ended up having to get on the phone and call Resolution Life because their portal is atrocious, to be completely honest with you. And I sat on the phone and had a chat with them with respect to the policy that you have. It it I takes need a to good amount of it takes a good amount premiums? of premiums I'll pay that you send me money Yep. on the portal. Yes. So that's where, like, I after I got off the phone to you, I sat there looking at the portal and trying to wrap my head around it, end up getting on the phone to them because their portal is an absolute nightmare. And the premium I quoted, that 1,800, that is for your life policy only. That's not the rest of the premium. The whole premium as a, like, as a whole for the life PPD and IP is $10. So I ended up getting it all yeah. So I ended up getting it all broken down, and, obviously, insurance premiums was something we talked about heavily, and I wanted to obviously talk about it and about where to go. Because when we were speaking, we were speaking about the fact that if it's only $1,800, you were happy with the premium the policy and the premium and where everything sat, and you didn't wanna make any alterations to the life and TPD benefit amount. But based on the fact that it's actually $10, I thought that that might change the position drastically.","start_word":83,"end_word":373,"sentiment":"neutral","sentiment_score":-0.07457626311434913},{"text":"Yeah. Well, definitely worth the conversation. Yes.","start_word":374,"end_word":380,"sentiment":"positive","sentiment_score":0.574065625667572},{"text":"So I didn't wanna turn around and be like, I'm gonna change all these things without actually talking to you and breaking it down properly. Yes. So, $13 a year just for life insurance, is it? yeah, so it's 1,896. So let's just call it 19. 1,900. We'll just ignore the cents and dollars. $1,900 for the life insurance policy and the total permanent disability, it's 3361. Yeah. The IP, it's 3855. Oh, gee.","start_word":381,"end_word":454,"sentiment":"neutral","sentiment_score":-0.039935532957315445},{"text":"The numbers you gave is a bit off, ain't Yes.","start_word":455,"end_word":464,"sentiment":"negative","sentiment_score":-0.4435925483703614},{"text":"So when it? I first spoke to you, we talked about $18.96 being the full premium, but that's life only. I had to literally get it all broken down and get a I had to get them to send a a document from the back end to actually break And it all down properly. so what what am I paying for out of my credit card, and what am I paying for out of my super? So out of your super, it's 10 sorry. 10521, and that's for the Life TPD IP. And then out of your credit card, that was correct. So it's the a 100 and I'm just gonna confirm. $150,181 31 a month. For LIP. That's for the that's for the trauma. That's the trauma policy. Yeah. No. No. That's okay. You're you're so fine. Oh, That's for the trauma policy. I see. Right. Okay. So that's a fair bit of a shock to the system, but, you know, I've been It paying is. it. Yeah. So Yeah. and probably just But takes you to my super, I guess. yeah. So what I wanna do is I wanna have a realistic conversation about what we do with like, you said that you were pretty comfortable paying the $1. 81 from your back pocket, But with the life policy, I guess I wanna have a realistic conversation about where we go with that and what we do. Because as we as we talked about, we're insured for 1.59 in life and 1.59 in PPD. So whether we look at decreasing those amounts, like the insured benefit, to reduce the premiums? Oh, I guess. But how much is it gonna reduce the so what's the question isn't how much is it gonna Very reduce much. that? Very much so. It it's all dependent on how much we wanna Going. decrease it by. If we keep to our brackets, so, like, 1.5, one, seven fifty type of, you know, like, our sort of every every 250 to $500,000 brackets, you generally get lump sum discounts. So if we drop it to, like, 1.5 round, you'll find that there'll be a bit of a discount to just have it that round figure. The 91,000 will be costing you a little bit more than it's weird the way they work. But it just realistically, it's probably about altering the policy to fit what we really need because I call the 1.5 probably a bit of a gross over over insurance of what you need. Because if anything was to happen to, you know, 1.5 mil is a decent chunk of money plus what But you have my in your super my fund. wife's my wife's on the in the car here with me. So, yeah, you're talking about her It's only about my future is the two children, so that's a pretty large concern. But I'm okay. We don't.","start_word":465,"end_word":950,"sentiment":"neutral","sentiment_score":-0.02919981986621525},{"text":"No.","start_word":951,"end_word":951,"sentiment":"negative","sentiment_score":-0.3563663363456726},{"text":"It's totally fine.","start_word":952,"end_word":954,"sentiment":"neutral","sentiment_score":-0.23000940680503845},{"text":"Yeah. I might not do. Yeah. It's just a waste of money.","start_word":955,"end_word":966,"sentiment":"negative","sentiment_score":-0.6902279853820801},{"text":"Yeah. I've I've but I've seen it going $10,000 straight out of the tube. I can probably better invest it in a year. Okay. Yep. Sorry. Keep going. Yeah.","start_word":967,"end_word":995,"sentiment":"neutral","sentiment_score":-0.28878504037857056},{"text":"So because so if because we can we can think about it, and it sounds cruel and awful. Like, I'm a mom of three kids.","start_word":996,"end_word":1020,"sentiment":"negative","sentiment_score":-0.4993236660957336},{"text":"We talked about that. Yeah. If if anything was to happen to me in my position with my my family, If my debt was paid out, then, you know, I just need to make sure that my husband's able to pay the ongoing bills of keeping the family sustained. So what we can do is we can make sure that we obviously cover the debt, which we're sitting at, you know, 300 and let's just call it 350,000 by the time we pay out, you know, anything going on the credit card or anything like that. 350,000 to pay off the the mortgage. I know that Shan's not currently working, so there's no income coming in from that side of things. So what we need to do is make sure that we're covering your income that's missing from, you know, from then on. Obviously, we don't need to pay the mortgage, so it would be a matter of your income minus what the mortgage is currently costing you times by, you know, the number of years until the kids are are old enough, which your youngest is nine, so that'd be sort of another nine years until 18. Yep. And that's a a way that we can kind of, I guess, Yeah. That's analyze a free it figure wise. that's a free figure. Cool. So what does the mortgage cost you each month? 3 k. 3 k. $3?","start_word":1021,"end_word":1258,"sentiment":"neutral","sentiment_score":-0.04628800452068573},{"text":"I love a woman that knows the numbers.","start_word":1259,"end_word":1266,"sentiment":"positive","sentiment_score":0.38586387038230896},{"text":"I know that would Yeah. $3.","start_word":1267,"end_word":1272,"sentiment":"neutral","sentiment_score":0.18958759307861328},{"text":"She's all over it. Cool.","start_word":1273,"end_word":1277,"sentiment":"positive","sentiment_score":0.4598926901817322},{"text":"So let me just figure out what your net income is. Yeah.","start_word":1278,"end_word":1289,"sentiment":"neutral","sentiment_score":0.26519909501075745},{"text":"Because that that payout, essentially, I know it's a massive payout, but that would be our head start for the kids as 100 a platform percent.","start_word":1290,"end_word":1315,"sentiment":"positive","sentiment_score":0.40199846029281616},{"text":"to make sure that they're okay because, like, obviously, how do you get into houses? I know, but it's such a difficult question because it's saving into our into our retirement Exactly. Funds. So it's a massive concept.","start_word":1316,"end_word":1353,"sentiment":"neutral","sentiment_score":-0.14881834387779236},{"text":"It's complicated.","start_word":1354,"end_word":1355,"sentiment":"negative","sentiment_score":-0.3959297835826874},{"text":"Yeah.","start_word":1356,"end_word":1356,"sentiment":"neutral","sentiment_score":-0.07244248688220978},{"text":"It's it's a toss-up between the two, like, I guess, the two conflicting But sorry about that because I the the disappointing thing is that there was only, like, from my from my policy, there was only, like, outcomes.","start_word":1357,"end_word":1395,"sentiment":"negative","sentiment_score":-0.3505852222442627},{"text":"a 1% price in it last year, and I'm like, jeez.","start_word":1396,"end_word":1406,"sentiment":"neutral","sentiment_score":-0.302656888961792},{"text":"So that $10 has come to out of your super sort of, like, contribution. It says only 1% growth in the year, then it's actually going backward. It's kind of like it's it was a better Okay.","start_word":1407,"end_word":1443,"sentiment":"negative","sentiment_score":-0.37680721282958984},{"text":"That's what we've discussed. Was better invested in maybe. Yeah.","start_word":1444,"end_word":1453,"sentiment":"neutral","sentiment_score":-0.03462085500359535},{"text":"And I'm 100% would love to have a chat about your super and and how we can improve the investments if and when you have time to.","start_word":1454,"end_word":1480,"sentiment":"positive","sentiment_score":0.5412309169769287},{"text":"Because I wanna make sure that Yeah.","start_word":1481,"end_word":1487,"sentiment":"neutral","sentiment_score":0.2482679188251495},{"text":"Joined or or, you know, together, we the ultimate goal is to retire to retire together to, you know, off in the sunset on the Harley or whatever retirement looks like for you guys. That's that's the ultimate goal.","start_word":1488,"end_word":1526,"sentiment":"positive","sentiment_score":0.44784942269325256},{"text":"The insurance is, I guess, a contingency plan in the event that something did happen. Yep. I'll talk to the phone. Alright. So so let's keep working on my numbers. Cool. So I just did them while we we were talking. So a 185,000 income per year works out to $1.31 5 after tax annually. If I look at $3 per month across the 12, like, you know, in terms of your mortgage repayment, that's $36 a year. Take that off your current income because you would no longer need to service that. That tells me that, essentially, your income needs for your family if your mortgage is paid off would be $95,500. Okay? So that's basically what you guys are needing. That's still savings in the bank and anything else that you guys are doing, everything that you're living off. Right? Yep. That times nine years gives us 1.2. So it's still a good chunk, but we're just pulling the figures I guess, pulling the insurance amount back or the benefit amount back a little bit to just what we would need if anything happens. So we're Yep. not having that that, you know, I guess, extra $300,000 in the event that something did happen. We're just keeping it to a realistic amount and saving on those premiums. Yep. That's it. So Okay. it's through traffic. What is the premium calendar? What is the premium? Yeah. What is the premium? That's the biggest question, and that's something I have to go through Resolution Life because your policy is older. It's a grandfathered policy, so it's not something I can straight up calculate unless we wanna cancel your policy and write a brand new policy, which, as we've talked about, not possible with your occupation. Yep.","start_word":1527,"end_word":1822,"sentiment":"neutral","sentiment_score":0.046573525042952715},{"text":"The insurer that you have is the best insurer out there for your occupation.","start_word":1823,"end_word":1836,"sentiment":"positive","sentiment_score":0.3416348397731781},{"text":"No one else is really happy to take on the risk of your.","start_word":1837,"end_word":1849,"sentiment":"negative","sentiment_score":-0.4041827619075775},{"text":"And did you mention that I'm probably, yeah, 20% on the tools now or maybe 10? Does that change six? I did, and, no, it doesn't. You're already your occupation's already rated to kinda consider a lower rate of working on the tools. So there's no Friday, movement I really have there. Okay. Yeah. I did try and push that one too. Yeah. So yeah. So So if are we I change if I change department and get off the tools, I like you mhmm. Totally? to know more exporters, Yep. that'll change That will six. change. Yeah. Yeah. Yeah. So if you were off the explosives, no no no touching of dealing with, then, yes, definitely would change. Yeah. No worries. And if That's you were no longer it. working on the explosives, we could also look at other insurers as well because the explosives are the are the big part. Yeah. Got that. Yeah. Alright. So would you be comfortable if I quoted up 1.2 for the life and TPD? Still make the alterations that we talked about bringing the IP back in line with your actual income. And what I'll do is I'll email through the quote once I get it.","start_word":1850,"end_word":2053,"sentiment":"neutral","sentiment_score":0.0396869070827961},{"text":"That way, you have the figures in front of you that like, now versus the change so you can make, with it all written in front of you, informed decision. Yes. That's correct.","start_word":2054,"end_word":2086,"sentiment":"positive","sentiment_score":0.4104062020778656},{"text":"Yeah? Excuse me. Okay.","start_word":2087,"end_word":2090,"sentiment":"neutral","sentiment_score":0.0754183679819107},{"text":"That's Cool. correct.","start_word":2091,"end_word":2093,"sentiment":"positive","sentiment_score":0.47053489089012146},{"text":"Can can you possibly get it to be quoted from anything between, like, 801 and then 1.2? Because if there's quite a substantial change in premiums, then I can I I only need to be supplemented for my future income? I'd be going back to work. No problem. So therefore, Yeah. we could essentially have a small payout just enough to keep it steady, in station. Yeah. But so Of it's course. yeah. Yeah. So if you went back to work, what would your income roughly look like? Well, I'd be prepared at this point. Like, because they will probably look around about anywhere, but it depends because, like, I would have to be looking at school hours. Like, generally, Yeah. I'm in like, so therefore, I would have to apportion my weight. So I would probably be looking at pulling probably between thirty and forty a year because I would have to apportion it to, like, you know, inside school hours and to work five days work to be free. So I'd probably only do three or four days a week, Yeah. you know, maybe five hours a day. So I would probably pull about between thirty and fifty k a year if I'm if I'm working solidly, and that would be good if you got with the kids at this point. So Yeah. yeah. Like, Yeah. Absolutely. if, like, if there's a massive difference in the in the premiums between 800 to 1.2, you know, then that if it yeah. That's it it would just be interest I'd I'd just like to see what the fees are for 800, 1,000,000, and 1.2, please. Yeah.","start_word":2094,"end_word":2369,"sentiment":"neutral","sentiment_score":0.06531763076782227},{"text":"Absolutely.","start_word":2370,"end_word":2370,"sentiment":"positive","sentiment_score":0.3819242119789123},{"text":"Yeah.","start_word":2371,"end_word":2371,"sentiment":"neutral","sentiment_score":0.2617104649543762},{"text":"Okay. Absolutely. I can do that.","start_word":2372,"end_word":2377,"sentiment":"positive","sentiment_score":0.48290300369262695},{"text":"Thank I'll what I'll do is I'll actually factor in like, I'll do the math properly and factor in if you were to get an income as at, you know, that date, you. how that would affect, I guess, a family's ongoing needs, and make sure that that fits with the parameters that of the 08/2001 and 01/2002. Okay? Because obviously, if we could, you know, better put the premiums, keep them in the super and living towards the hope that we never used to pull on that, that will be ideal. So we're not thinking from our retirement either for something that may never hurt. No. 100%. Yeah. You've ultimately, the goal is to to not to Yeah. not It's need not the policy. you said yeah. Ideally, I'm not looking to have my husband clocked so that I can, you know, run me that.","start_word":2378,"end_word":2523,"sentiment":"neutral","sentiment_score":0.09286700934171677},{"text":"I don't want that at all. That is No. not what I want. They're sometimes worth more more to us alive than dead.","start_word":2524,"end_word":2546,"sentiment":"negative","sentiment_score":-0.4737422466278076},{"text":"Yes. We So tend to you like know? them a lot. Yeah. But and then, you know, it's, like, grief. Like, Jesus. Who wants that?","start_word":2547,"end_word":2571,"sentiment":"neutral","sentiment_score":-0.15958164632320404},{"text":"No.","start_word":2572,"end_word":2572,"sentiment":"negative","sentiment_score":-0.3381599187850952},{"text":"I'm good. No. We K. don't. Bye. Thank We you. love them, but we can't live with them sometimes. Yeah. 100%. No. I get it. I have one of those too. Yeah. And I will get to looking at my next. It's just been absolutely crazy. Once we get through those school holidays, we'll be done. We'll have so Yeah.","start_word":2573,"end_word":2632,"sentiment":"neutral","sentiment_score":-0.04079442471265793},{"text":"much fun.","start_word":2633,"end_word":2634,"sentiment":"positive","sentiment_score":0.3740231692790985},{"text":"Yeah. Well, how about I'll send you an email separately, so that way Yeah. you have Just a direct line to contact me. yeah. And, If I could send this to you, that would be great because yeah. you're already wrapped around great situation. Yeah. And also a big part of why I've been sort of, like, putting off actually even ringing and whatnot is because they changed my whole structure when I'm looking at potentially possibly going back to work at the June. So it's kind of like it's been a real there's so many if, what, why's, and, yeah, a Yeah. few conversations. Like, there's quite a bit happening in the background that, you know, could waste be a whole waste of time to go through a big chat discussion with you right now and yeah. Do you know what I mean? So I'm quite Yeah. back to work. Fiftieth is going on. We're going yep. We've got yep. So that would be great if we could schedule Moving parts it. everywhere. Yeah. Moving parts. Completely logistic. We have a whole shit show.","start_word":2635,"end_word":2819,"sentiment":"neutral","sentiment_score":-0.030523043649422155},{"text":"Thank you.","start_word":2820,"end_word":2821,"sentiment":"positive","sentiment_score":0.45198118686676025},{"text":"No. Absolutely. I'll send you an email. I will get on to ResLife now, get those quotes, and email that through to Craig as soon as I get them. Okay? That's Okay. That was that bit. So what about the investments for the remainder? Yep. So investments. What I wanna do is I did a bit of research into, obviously, where you're invested, where we can move into. You're currently in a high growth investment portfolio, and what I wanna do is I wanna keep you in that high growth, so not taking any less risk, but a, cut down on about a thousand dollars worth of your investment fees per annum. Actually, a thousand and 3 if we're gonna be specific. And that is going to obviously reduce the ongoing cost of of the funds being invested. The reason it's such a difference is because I wanna invest in more ETFs, which are exchange trade funds. They're just a little bit cheaper to operate. Their ongoing performance is a a bit better as well. So we're gonna convert into a historical performance of that 16% per annum. Obviously, that's Do you historically. guys Yes? yeah. Sorry. Do you wait for the market to recover a little bit before we sell everything off and then play? Or how does it work? Because, like, to sell Yes it a lot. and yes Yeah. and no. So what I do is I try and, like, trade it effectively. If you're trading in a way where you're selling and buying within the same time frame, you're selling at a loss, but you're also buying at a loss.","start_word":2822,"end_word":3095,"sentiment":"neutral","sentiment_score":0.1296321476136681},{"text":"So you have the benefit of buying in at that lower cost.","start_word":3096,"end_word":3107,"sentiment":"positive","sentiment_score":0.4487318694591522},{"text":"Yes. I would always love to sell at a high, but you can't effectively do that in any way, shape, or form. But I try and do it in a way that we're gonna pay the least amount of tax and do it cost effectively. I don't wanna, you know, have someone out of the market for an extended period of time where they're sitting in cash. And, likewise, I don't wanna delay trying to make a move on investments where it's gonna, you know, misappropriately affect someone's position either. So because I can trade really, really quickly, it doesn't have the same effect as if I was to, you know, sell and then try and buy a few days later. I'm selling and buying within the same same time frame. Yep.","start_word":3108,"end_word":3239,"sentiment":"neutral","sentiment_score":0.13673847913742063},{"text":"Cool.","start_word":3240,"end_word":3240,"sentiment":"positive","sentiment_score":0.4213116765022278},{"text":"So I won't go ahead with that, but I think let's try and tie up the insurance and the super all at once. So I'm gonna go to ResLife, get the quotes. I'm gonna escalate it with them and try and get them turned around ASAP and email them through to you. Okay?","start_word":3241,"end_word":3293,"sentiment":"neutral","sentiment_score":0.22112631797790527},{"text":"Cool. I should hopefully have them by the beginning of next week at the latest. That works.","start_word":3294,"end_word":3310,"sentiment":"positive","sentiment_score":0.47990670800209045},{"text":"Alright. Well, yeah. Were there Yeah. Yeah. any That's what other I said. There's no yeah. room after rush until yeah. Because when do you guys go on school holidays? Because I think else. I should know this. I have three in school, but I'm pretty sure ours are in end of next week, Alright. I'll start, Good for I think. what I say for sales? Yes. Yeah. Yeah. Ours two. Yeah. So a couple weeks. Alright.","start_word":3311,"end_word":3387,"sentiment":"neutral","sentiment_score":0.08734695613384247},{"text":"Perfect.","start_word":3388,"end_word":3388,"sentiment":"positive","sentiment_score":0.5693949460983276},{"text":"Okay. Well, That's the let's try and get this all sorted before end Easter then, if of you're happy with that.","start_word":3389,"end_word":3409,"sentiment":"neutral","sentiment_score":0.2384768000670842},{"text":"So that way you guys can rest That's easy helpful. and enjoy Easter and the holidays with the kids.","start_word":3410,"end_word":3428,"sentiment":"positive","sentiment_score":0.6164913177490234},{"text":"Okay. No worries. Respond to emails. Yeah. No Yeah. worries. I mean, I'm happy to communicate over emails. That's fine. Yep.","start_word":3429,"end_word":3449,"sentiment":"neutral","sentiment_score":0.21831963956356049},{"text":"Fine. Cool.","start_word":3450,"end_word":3451,"sentiment":"positive","sentiment_score":0.44485583901405334},{"text":"But, no, it's I will get it all working, and we will talk soon. No worries.","start_word":3452,"end_word":3467,"sentiment":"neutral","sentiment_score":0.1985078901052475},{"text":"Okay. Thank you. Perfect.","start_word":3468,"end_word":3471,"sentiment":"positive","sentiment_score":0.6036146879196167},{"text":"No.","start_word":3472,"end_word":3472,"sentiment":"neutral","sentiment_score":0.32833385467529297},{"text":"Not a problem at all, guys.","start_word":3473,"end_word":3478,"sentiment":"positive","sentiment_score":0.4150806069374085},{"text":"Was there anything else? No. Nothing else. Alright. If you have any questions, feel free to flick an email through.","start_word":3479,"end_word":3498,"sentiment":"neutral","sentiment_score":0.1396249532699585},{"text":"Thanks. Cheers, boss. Thank you. And that's okay. Bye, guys.","start_word":3499,"end_word":3508,"sentiment":"positive","sentiment_score":0.537659227848053}],"average":{"sentiment":"neutral","sentiment_score":0.031250590563061995}}}}