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I understand you wanna have a a chat about beneficiaries today. Mhmm. Mhmm. Okay. Alright. Wonderful. So how what is it that I can help you with? Have you got some specific questions that you wanna ask? Yeah. Mhmm. Okay. Okay. I have alright. Well, let's start there. Who would you like to nominate as your beneficiaries? Yeah. Yeah. And yes, please. Michael Isaac. Yeah. And his date of birth? Mhmm. 1953. Yes. Yes. Yes. Y o u k h Yep. Yeah. Okay. And surname? Lovely. And what is her date of birth? Yeah. Oh, it's only her birthday a few days ago. Yep. Okay. And with just just to flag this, is this for your and your insurance policies held through? Oh, through to yep. Yeah. Yep. Okay. So beautiful. So with superannuation beneficiary nominations, there is some things to consider. I've checked your balance, and you are your components are fully taxable. So what that means is that upon I always like to use yesterday as an example, something happening to you. The benefits from your superannuation will be taxed at 15% because Michael and Helen are not your financial dependence under the the Sysak, so the superannuation laws. Okay. Okay. No. That's fine. No. You're absolutely fine. So there is gonna be a tax deducted as your pay don't wouldn't fall under the the superannuation legislation financial dependent rule. So just to make you aware of that, the other item that I do need to get from you to nominate them is their addresses. Yes. Because that will go on the form that we will get you to sign. Financial. Yeah. Yeah. Okay. No worries. What is your dad Michael's residential address? Same as yours? Okay. And your mom, Helen's residential address? Yes? 2104. Yes? Yes. Mhmm. High. Yes. And the postcard, if you have it. Thank you. 2165. Beautiful. Alright. The other thing that I just wanted to flag with you just for you to have a a think about or if you want a referral. So you I noticed I noted from your previous meeting that you were selling down your private your ownership in a private your private residence. We get that to 15%. Has that occurred? Yes. Okay. So you you hold 15%? Yep. And how's that held? Is that joint tenants or tenants in common? Yeah. Okay. And I've just checked, and please correct me if I'm wrong. Do you have a will? No. Not yet. Okay. So do you understand that how the tenants in common structure works with property upon this? No? Okay. So what happens is that the way the tenants in common works is that your portion of the property, the 15%, will pass through your your estate for ownership. So that's where a will probably becomes really important given the structure of the property ownership is where you want that 15% ownership to be directed. So it won't automatically revert to your dad or your brother or anything. It's gonna go it's gonna pass through your estate. So that's probably something I'll flag with you that you probably should look at sooner rather than later. But and we and we do have professionals that we partner with that can help you with that. So we can send send you through a brochure with some information and costings as an example on on how you can get that arranged. Would you like me to do that? Okay. Beautiful. Okay. And then just finally, with the beneficiary forms, we do require them to be wet signature have a wet signature. Do you have access to a printer? Yeah. Would you like them emailed to you so you can print them and have them witnessed, or or would you like us to post them to you? Yeah. Of course. And just just a side note as well, with the witnessing of those documents, neither of your beneficiaries can witness those, so they will have to be somebody independent. Okay. Alright. Is there anything I have missed or anything that you wanna discuss further? Okay. It is only one n. Okay. So I'll just confirm that. It's y o u k h a n a. Beautiful. Oh, lovely. That's very okay. Oh, that's very cool. I like it. I love learning something new every day, so thank you. Yeah. Okay. Oh, that's great. Great. Alright. Well, is there anything else I can help you with, Ross? Okay. Well, we'll get those forms posted out to you. And if you can get them back to us as soon as possible, we'll get them applied to your account. You're welcome. Enjoy your afternoon. 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Ross. This is Jenna speaking. How are you today? Hello? Are you able to hear me?\n\nOh, there you are. Sorry. It was the head. My apologies. Oh, good.\n\nGood. Okay. I understand you wanna have a a chat about beneficiaries today. Mhmm. Mhmm.\n\nOkay. Alright. Wonderful. So how what is it that I can help you with? Have you got some specific questions that you wanna ask?\n\nYeah. Mhmm. Okay. Okay. I have alright.\n\nWell, let's start there. Who would you like to nominate as your beneficiaries? Yeah. Yeah. And yes, please.\n\nMichael Isaac. Yeah. And his date of birth? Mhmm. 1953.\n\nYes. Yes. Yes. Y o u k h Yep. Yeah.\n\nOkay. And surname? Lovely. And what is her date of birth? Yeah.\n\nOh, it's only her birthday a few days ago. Yep. Okay. And with just just to flag this, is this for your and your insurance policies held through? Oh, through to yep.\n\nYeah. Yep. Okay. So beautiful. So with superannuation beneficiary nominations, there is some things to consider.\n\nI've checked your balance, and you are your components are fully taxable. So what that means is that upon I always like to use yesterday as an example, something happening to you. The benefits from your superannuation will be taxed at 15% because Michael and Helen are not your financial dependence under the the Sysak, so the superannuation laws. Okay. Okay.\n\nNo. That's fine. No. You're absolutely fine. So there is gonna be a tax deducted as your pay don't wouldn't fall under the the superannuation legislation financial dependent rule.\n\nSo just to make you aware of that, the other item that I do need to get from you to nominate them is their addresses. Yes. Because that will go on the form that we will get you to sign. Financial. Yeah.\n\nYeah. Okay. No worries. What is your dad Michael's residential address? Same as yours?\n\nOkay. And your mom, Helen's residential address? Yes? 2104. Yes?\n\nYes. Mhmm. High. Yes. And the postcard, if you have it.\n\nThank you. 2165. Beautiful. Alright. The other thing that I just wanted to flag with you just for you to have a a think about or if you want a referral.\n\nSo you I noticed I noted from your previous meeting that you were selling down your private your ownership in a private your private residence. We get that to 15%. Has that occurred? Yes. Okay.\n\nSo you you hold 15%? Yep. And how's that held? Is that joint tenants or tenants in common? Yeah.\n\nOkay. And I've just checked, and please correct me if I'm wrong. Do you have a will? No. Not yet.\n\nOkay. So do you understand that how the tenants in common structure works with property upon this? No? Okay. So what happens is that the way the tenants in common works is that your portion of the property, the 15%, will pass through your your estate for ownership.\n\nSo that's where a will probably becomes really important given the structure of the property ownership is where you want that 15% ownership to be directed. So it won't automatically revert to your dad or your brother or anything. It's gonna go it's gonna pass through your estate. So that's probably something I'll flag with you that you probably should look at sooner rather than later. But and we and we do have professionals that we partner with that can help you with that.\n\nSo we can send send you through a brochure with some information and costings as an example on on how you can get that arranged. Would you like me to do that? Okay. Beautiful. Okay.\n\nAnd then just finally, with the beneficiary forms, we do require them to be wet signature have a wet signature. Do you have access to a printer? Yeah. Would you like them emailed to you so you can print them and have them witnessed, or or would you like us to post them to you? Yeah.\n\nOf course. And just just a side note as well, with the witnessing of those documents, neither of your beneficiaries can witness those, so they will have to be somebody independent. Okay. Alright. Is there anything I have missed or anything that you wanna discuss further?\n\nOkay. It is only one n. Okay. So I'll just confirm that. It's y o u k h a n a.\n\nBeautiful. Oh, lovely. That's very okay. Oh, that's very cool. I like it.\n\nI love learning something new every day, so thank you. Yeah. Okay. Oh, that's great. Great.\n\nAlright. Well, is there anything else I can help you with, Ross? Okay. Well, we'll get those forms posted out to you. And if you can get them back to us as soon as possible, we'll get them applied to your account.\n\nYou're welcome. Enjoy your afternoon. Bye.","paragraphs":[{"sentences":[{"text":"Hello, Ross.","start":1.92,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.18605681508779526},{"text":"This is Jenna speaking.","start":2.6399999,"end":3.76,"sentiment":"neutral","sentiment_score":0.23626995086669922},{"text":"How are you today?","start":3.76,"end":4.74,"sentiment":"neutral","sentiment_score":0.3115791231393814},{"text":"Hello?","start":8.08,"end":8.58,"sentiment":"neutral","sentiment_score":0.07782838493585587},{"text":"Are you able to hear me?","start":9.599999,"end":10.98,"sentiment":"neutral","sentiment_score":0.02347346053769191}],"sentiment":"neutral","sentiment_score":0.16365759260952473,"num_words":17,"start":1.92,"end":10.98},{"sentences":[{"text":"Oh, there you are.","start":15.12,"end":15.975,"sentiment":"neutral","sentiment_score":-0.014544838340952992},{"text":"Sorry.","start":16.055,"end":16.375,"sentiment":"neutral","sentiment_score":-0.0586024671792984},{"text":"It was the head.","start":16.375,"end":17.355,"sentiment":"neutral","sentiment_score":-0.009778855834156275},{"text":"My apologies.","start":17.895,"end":19.435001,"sentiment":"neutral","sentiment_score":-0.14650611020624638},{"text":"Oh, good.","start":19.975,"end":20.615,"sentiment":"neutral","sentiment_score":-0.06185191310942173}],"sentiment":"neutral","sentiment_score":-0.04404717619315936,"num_words":13,"start":15.12,"end":20.615},{"sentences":[{"text":"Good.","start":20.615,"end":21.115,"sentiment":"neutral","sentiment_score":0.2083466351032257},{"text":"Okay.","start":21.575,"end":22.075,"sentiment":"neutral","sentiment_score":0.0882115364074707},{"text":"I understand you wanna have a a chat about beneficiaries today.","start":22.615,"end":25.994999,"sentiment":"neutral","sentiment_score":0.05996523154052821},{"text":"Mhmm.","start":32.58,"end":33.08,"sentiment":"neutral","sentiment_score":-0.05421379953622818},{"text":"Mhmm.","start":42.739998,"end":43.005,"sentiment":"neutral","sentiment_score":-0.03173115849494934}],"sentiment":"neutral","sentiment_score":0.05801538402835528,"num_words":15,"start":20.615,"end":43.005},{"sentences":[{"text":"Okay.","start":47.325,"end":47.825,"sentiment":"neutral","sentiment_score":-0.02876259945333004},{"text":"Alright.","start":49.805,"end":50.285,"sentiment":"positive","sentiment_score":0.3400919437408447},{"text":"Wonderful.","start":50.285,"end":50.785,"sentiment":"positive","sentiment_score":0.5215230584144592},{"text":"So how what is it that I can help you with?","start":50.925,"end":53.245003,"sentiment":"neutral","sentiment_score":0.32678936557336286},{"text":"Have you got some specific questions that you wanna ask?","start":53.245003,"end":56.465,"sentiment":"neutral","sentiment_score":0.16116088926792144}],"sentiment":"neutral","sentiment_score":0.2516310131953408,"num_words":24,"start":47.325,"end":56.465},{"sentences":[{"text":"Yeah.","start":60.03,"end":60.53,"sentiment":"neutral","sentiment_score":0.026769988238811493},{"text":"Mhmm.","start":65.39,"end":65.89,"sentiment":"neutral","sentiment_score":0.03753671050071716},{"text":"Okay.","start":68.909996,"end":69.405,"sentiment":"neutral","sentiment_score":0.05718366429209709},{"text":"Okay.","start":75.885,"end":76.385,"sentiment":"neutral","sentiment_score":0.04156164824962616},{"text":"I have alright.","start":76.445,"end":77.645,"sentiment":"neutral","sentiment_score":0.04077296579877535}],"sentiment":"neutral","sentiment_score":0.04076727266822543,"num_words":7,"start":60.03,"end":77.645},{"sentences":[{"text":"Well, let's start there.","start":77.645,"end":78.945,"sentiment":"neutral","sentiment_score":0.055489941500127316},{"text":"Who would you like to nominate as your beneficiaries?","start":79.645,"end":82.545,"sentiment":"neutral","sentiment_score":0.06049055688911014},{"text":"Yeah.","start":87.64,"end":88.14,"sentiment":"neutral","sentiment_score":0.054654188454151154},{"text":"Yeah.","start":92.36,"end":92.86,"sentiment":"neutral","sentiment_score":0.056910209357738495},{"text":"And yes, please.","start":93.72,"end":95.145,"sentiment":"neutral","sentiment_score":0.0565735399723053}],"sentiment":"neutral","sentiment_score":0.05820332198507256,"num_words":18,"start":77.645,"end":95.145},{"sentences":[{"text":"Michael Isaac.","start":101.145,"end":101.884995,"sentiment":"neutral","sentiment_score":0.02914626058191061},{"text":"Yeah.","start":102.505,"end":103.005,"sentiment":"neutral","sentiment_score":0.03183746710419655},{"text":"And his date of birth?","start":103.145,"end":104.365,"sentiment":"neutral","sentiment_score":0.018414631858468054},{"text":"Mhmm.","start":107.865,"end":108.365,"sentiment":"neutral","sentiment_score":0.008445538580417633},{"text":"1953.","start":111.28001,"end":112.16,"sentiment":"neutral","sentiment_score":0.016618402674794197}],"sentiment":"neutral","sentiment_score":0.020726708881556987,"num_words":10,"start":101.145,"end":112.16},{"sentences":[{"text":"Yes.","start":112.16,"end":112.66,"sentiment":"neutral","sentiment_score":0.03311309963464737},{"text":"Yes.","start":117.200005,"end":117.700005,"sentiment":"neutral","sentiment_score":0.04381224513053894},{"text":"Yes.","start":120.560005,"end":121.060005,"sentiment":"neutral","sentiment_score":0.034368325024843216},{"text":"Y o u k h Yep.","start":131.375,"end":172.24,"sentiment":"neutral","sentiment_score":0.014878077044462165},{"text":"Yeah.","start":172.38,"end":172.88,"sentiment":"neutral","sentiment_score":0.010933438315987589}],"sentiment":"neutral","sentiment_score":0.02114955703727901,"num_words":10,"start":112.16,"end":172.88},{"sentences":[{"text":"Okay.","start":175.66,"end":175.995,"sentiment":"neutral","sentiment_score":0.016014277935028076},{"text":"And surname?","start":177.03499,"end":177.935,"sentiment":"neutral","sentiment_score":0.01276471558958292},{"text":"Lovely.","start":180.715,"end":181.215,"sentiment":"neutral","sentiment_score":0.23201227188110352},{"text":"And what is her date of birth?","start":181.275,"end":183.295,"sentiment":"neutral","sentiment_score":0.06504295180950846},{"text":"Yeah.","start":189.515,"end":189.78,"sentiment":"neutral","sentiment_score":-0.0007197689265012741}],"sentiment":"neutral","sentiment_score":0.060678072894612946,"num_words":12,"start":175.66,"end":189.78},{"sentences":[{"text":"Oh, it's only her birthday a few days ago.","start":193.38,"end":195.4,"sentiment":"neutral","sentiment_score":-0.008549959554026524},{"text":"Yep.","start":197.22,"end":197.72,"sentiment":"neutral","sentiment_score":0.035831745713949203},{"text":"Okay.","start":198.34,"end":198.81999,"sentiment":"neutral","sentiment_score":0.02887580916285515},{"text":"And with just just to flag this, is this for your and your insurance policies held through?","start":198.81999,"end":208.295,"sentiment":"neutral","sentiment_score":0.009156870354405221},{"text":"Oh, through to yep.","start":215.315,"end":216.77501,"sentiment":"neutral","sentiment_score":-0.020082287956029177}],"sentiment":"neutral","sentiment_score":0.0019717363466043025,"num_words":32,"start":193.38,"end":216.77501},{"sentences":[{"text":"Yeah.","start":218.515,"end":218.91501,"sentiment":"neutral","sentiment_score":0.0316045843064785},{"text":"Yep.","start":218.91501,"end":219.41501,"sentiment":"neutral","sentiment_score":0.047582291066646576},{"text":"Okay.","start":219.475,"end":219.87,"sentiment":"neutral","sentiment_score":0.039793960750103},{"text":"So beautiful.","start":222.11,"end":222.93,"sentiment":"positive","sentiment_score":0.6424295604228973},{"text":"So with superannuation beneficiary nominations, there is some things to consider.","start":223.54999,"end":230.76999,"sentiment":"neutral","sentiment_score":0.16357934271747415}],"sentiment":"neutral","sentiment_score":0.2002007954288274,"num_words":16,"start":218.515,"end":230.76999},{"sentences":[{"text":"I've checked your balance, and you are your components are fully taxable.","start":231.15,"end":237.10501,"sentiment":"neutral","sentiment_score":0.0361920657257239},{"text":"So what that means is that upon I always like to use yesterday as an example, something happening to you.","start":237.565,"end":244.705,"sentiment":"neutral","sentiment_score":0.03527866126969457},{"text":"The benefits from your superannuation will be taxed at 15% because Michael and Helen are not your financial dependence under the the Sysak, so the superannuation laws.","start":244.765,"end":257.16,"sentiment":"neutral","sentiment_score":0.05560318973881227},{"text":"Okay.","start":261.86,"end":262.065,"sentiment":"neutral","sentiment_score":-0.08113142848014832},{"text":"Okay.","start":263.745,"end":264.065,"sentiment":"neutral","sentiment_score":-0.13661667704582214}],"sentiment":"neutral","sentiment_score":0.039728131664336704,"num_words":61,"start":231.15,"end":264.065},{"sentences":[{"text":"No.","start":264.065,"end":264.385,"sentiment":"neutral","sentiment_score":-0.12968434393405914},{"text":"That's fine.","start":264.385,"end":265.285,"sentiment":"neutral","sentiment_score":-0.08656950294971466},{"text":"No.","start":265.505,"end":265.665,"sentiment":"neutral","sentiment_score":-0.07362654060125351},{"text":"You're absolutely fine.","start":265.665,"end":267.125,"sentiment":"neutral","sentiment_score":0.02662480374177297},{"text":"So there is gonna be a tax deducted as your pay don't wouldn't fall under the the superannuation legislation financial dependent rule.","start":269.265,"end":285.67,"sentiment":"neutral","sentiment_score":-0.02078002259473909}],"sentiment":"neutral","sentiment_score":-0.025990895734264934,"num_words":29,"start":264.065,"end":285.67},{"sentences":[{"text":"So just to make you aware of that, the other item that I do need to get from you to nominate them is their addresses.","start":285.89,"end":296.605,"sentiment":"neutral","sentiment_score":0.016769423708319665},{"text":"Yes.","start":298.98502,"end":299.385,"sentiment":"neutral","sentiment_score":0.04153133183717728},{"text":"Because that will go on the form that we will get you to sign.","start":299.385,"end":303.21,"sentiment":"neutral","sentiment_score":-0.007528395525046757},{"text":"Financial.","start":307.85,"end":308.35,"sentiment":"neutral","sentiment_score":-0.08431455492973328},{"text":"Yeah.","start":308.72998,"end":309.22998,"sentiment":"neutral","sentiment_score":-0.12284711003303528}],"sentiment":"neutral","sentiment_score":0.003528755291232041,"num_words":42,"start":285.89,"end":309.22998},{"sentences":[{"text":"Yeah.","start":315.13,"end":315.37,"sentiment":"neutral","sentiment_score":0.06538590788841248},{"text":"Okay.","start":315.37,"end":315.84998,"sentiment":"neutral","sentiment_score":0.0666123777627945},{"text":"No worries.","start":315.84998,"end":316.365,"sentiment":"neutral","sentiment_score":0.053732072934508324},{"text":"What is your dad Michael's residential address?","start":318.76498,"end":322.145,"sentiment":"neutral","sentiment_score":0.011032312509736844},{"text":"Same as yours?","start":324.925,"end":325.82498,"sentiment":"neutral","sentiment_score":0.016746591466168564}],"sentiment":"neutral","sentiment_score":0.02620917096334909,"num_words":14,"start":315.13,"end":325.82498},{"sentences":[{"text":"Okay.","start":328.685,"end":329.185,"sentiment":"neutral","sentiment_score":0.04212355241179466},{"text":"And your mom, Helen's residential address?","start":329.32498,"end":333.24,"sentiment":"neutral","sentiment_score":0.02295403927564621},{"text":"Yes?","start":336.82,"end":337.32,"sentiment":"neutral","sentiment_score":0.010421661660075188},{"text":"2104.","start":341.06,"end":342.44,"sentiment":"neutral","sentiment_score":0.007086480036377907},{"text":"Yes?","start":342.5,"end":342.915,"sentiment":"neutral","sentiment_score":0.010455917567014694}],"sentiment":"neutral","sentiment_score":0.02078118473291397,"num_words":10,"start":328.685,"end":342.915},{"sentences":[{"text":"Yes.","start":349.315,"end":349.815,"sentiment":"neutral","sentiment_score":0.02587348036468029},{"text":"Mhmm.","start":352.67502,"end":353.17502,"sentiment":"neutral","sentiment_score":0.020443543791770935},{"text":"High.","start":359.53003,"end":360.03003,"sentiment":"neutral","sentiment_score":0.03025717101991177},{"text":"Yes.","start":360.81003,"end":361.31003,"sentiment":"neutral","sentiment_score":0.0659361332654953},{"text":"And the postcard, if you have it.","start":364.25,"end":367.07,"sentiment":"neutral","sentiment_score":0.053361094423702786}],"sentiment":"neutral","sentiment_score":0.046912544491616165,"num_words":11,"start":349.315,"end":367.07},{"sentences":[{"text":"Thank you.","start":373.93002,"end":374.535,"sentiment":"positive","sentiment_score":0.3965626657009125},{"text":"2165.","start":404.37,"end":405.16998,"sentiment":"neutral","sentiment_score":0.06294809281826019},{"text":"Beautiful.","start":405.16998,"end":405.66998,"sentiment":"positive","sentiment_score":0.5257478952407837},{"text":"Alright.","start":407.565,"end":408.045,"sentiment":"neutral","sentiment_score":0.2868335247039795},{"text":"The other thing that I just wanted to flag with you just for you to have a a think about or if you want a referral.","start":408.045,"end":417.185,"sentiment":"neutral","sentiment_score":0.04514882083122547}],"sentiment":"neutral","sentiment_score":0.09169432857344227,"num_words":31,"start":373.93002,"end":417.185},{"sentences":[{"text":"So you I noticed I noted from your previous meeting that you were selling down your private your ownership in a private your private residence.","start":417.725,"end":428.56,"sentiment":"neutral","sentiment_score":-0.03970775857567787},{"text":"We get that to 15%.","start":428.56,"end":430.0,"sentiment":"neutral","sentiment_score":-0.032616962864995006},{"text":"Has that occurred?","start":430.0,"end":430.9,"sentiment":"neutral","sentiment_score":-0.03705715946853161},{"text":"Yes.","start":432.56,"end":432.88,"sentiment":"neutral","sentiment_score":0.014999434351921082},{"text":"Okay.","start":432.88,"end":433.2,"sentiment":"neutral","sentiment_score":0.008321142755448818}],"sentiment":"neutral","sentiment_score":-0.03553227657186134,"num_words":35,"start":417.725,"end":433.2},{"sentences":[{"text":"So you you hold 15%?","start":433.2,"end":435.275,"sentiment":"neutral","sentiment_score":0.0021555978804826737},{"text":"Yep.","start":437.015,"end":437.515,"sentiment":"neutral","sentiment_score":0.00304432213306427},{"text":"And how's that held?","start":437.655,"end":438.695,"sentiment":"neutral","sentiment_score":-0.009780099848285317},{"text":"Is that joint tenants or tenants in common?","start":438.695,"end":441.435,"sentiment":"neutral","sentiment_score":-0.019184420118108392},{"text":"Yeah.","start":445.415,"end":445.915,"sentiment":"neutral","sentiment_score":0.008281990885734558}],"sentiment":"neutral","sentiment_score":-0.0089732346271998,"num_words":19,"start":433.2,"end":445.915},{"sentences":[{"text":"Okay.","start":446.135,"end":446.635,"sentiment":"neutral","sentiment_score":0.004554246552288532},{"text":"And I've just checked, and please correct me if I'm wrong.","start":446.695,"end":451.97,"sentiment":"neutral","sentiment_score":-0.14174661743031305},{"text":"Do you have a will?","start":451.97,"end":453.34998,"sentiment":"neutral","sentiment_score":-0.13416551053524017},{"text":"No.","start":455.65,"end":456.05,"sentiment":"neutral","sentiment_score":-0.1828589141368866},{"text":"Not yet.","start":456.05,"end":456.78998,"sentiment":"neutral","sentiment_score":-0.1461491882801056}],"sentiment":"neutral","sentiment_score":-0.1350321694277227,"num_words":20,"start":446.135,"end":456.78998},{"sentences":[{"text":"Okay.","start":456.93,"end":457.33,"sentiment":"neutral","sentiment_score":-0.05395437404513359},{"text":"So do you understand that how the tenants in common structure works with property upon this?","start":457.33,"end":465.355,"sentiment":"neutral","sentiment_score":-0.04899887926876545},{"text":"No?","start":467.17502,"end":467.575,"sentiment":"neutral","sentiment_score":-0.11816759407520294},{"text":"Okay.","start":467.575,"end":468.075,"sentiment":"neutral","sentiment_score":-0.058990903198719025},{"text":"So what happens is that the way the tenants in common works is that your portion of the property, the 15%, will pass through your your estate for ownership.","start":468.295,"end":478.53,"sentiment":"neutral","sentiment_score":-0.0255785983955038}],"sentiment":"neutral","sentiment_score":-0.036601547772685684,"num_words":48,"start":456.93,"end":478.53},{"sentences":[{"text":"So that's where a will probably becomes really important given the structure of the property ownership is where you want that 15% ownership to be directed.","start":479.65,"end":490.55,"sentiment":"neutral","sentiment_score":0.08479665592312813},{"text":"So it won't automatically revert to your dad or your brother or anything.","start":491.135,"end":497.635,"sentiment":"neutral","sentiment_score":0.010713830303687315},{"text":"It's gonna go it's gonna pass through your estate.","start":497.695,"end":500.17502,"sentiment":"neutral","sentiment_score":0.02590730760453476},{"text":"So that's probably something I'll flag with you that you probably should look at sooner rather than later.","start":500.17502,"end":506.21,"sentiment":"neutral","sentiment_score":0.025164247386985354},{"text":"But and we and we do have professionals that we partner with that can help you with that.","start":508.66998,"end":514.715,"sentiment":"neutral","sentiment_score":0.11400849827461773}],"sentiment":"neutral","sentiment_score":0.06050319093213018,"num_words":84,"start":479.65,"end":514.715},{"sentences":[{"text":"So we can send send you through a brochure with some information and costings as an example on on how you can get that arranged.","start":514.715,"end":523.215,"sentiment":"neutral","sentiment_score":0.1116987743973732},{"text":"Would you like me to do that?","start":523.59503,"end":525.215,"sentiment":"neutral","sentiment_score":0.05443883314728737},{"text":"Okay.","start":526.875,"end":527.355,"sentiment":"positive","sentiment_score":0.3762816488742829},{"text":"Beautiful.","start":527.355,"end":527.855,"sentiment":"positive","sentiment_score":0.6350366473197937},{"text":"Okay.","start":528.72,"end":528.95996,"sentiment":"neutral","sentiment_score":0.283037006855011}],"sentiment":"neutral","sentiment_score":0.12765418557184083,"num_words":35,"start":514.715,"end":528.95996},{"sentences":[{"text":"And then just finally, with the beneficiary forms, we do require them to be wet signature have a wet signature.","start":528.95996,"end":538.66,"sentiment":"neutral","sentiment_score":0.07622076123952866},{"text":"Do you have access to a printer?","start":539.51996,"end":541.295,"sentiment":"neutral","sentiment_score":0.03090450486966542},{"text":"Yeah.","start":543.435,"end":543.83496,"sentiment":"neutral","sentiment_score":0.0632757842540741},{"text":"Would you like them emailed to you so you can print them and have them witnessed, or or would you like us to post them to you?","start":543.83496,"end":551.135,"sentiment":"neutral","sentiment_score":0.0829637882610162},{"text":"Yeah.","start":553.355,"end":553.83496,"sentiment":"neutral","sentiment_score":0.04944809526205063}],"sentiment":"neutral","sentiment_score":0.07309808788288917,"num_words":56,"start":528.95996,"end":553.83496},{"sentences":[{"text":"Of course.","start":553.83496,"end":554.575,"sentiment":"neutral","sentiment_score":0.0689617246389389},{"text":"And just just a side note as well, with the witnessing of those documents, neither of your beneficiaries can witness those, so they will have to be somebody independent.","start":556.75,"end":566.76996,"sentiment":"neutral","sentiment_score":0.012476231934952325},{"text":"Okay.","start":569.62994,"end":570.015,"sentiment":"neutral","sentiment_score":0.06405904144048691},{"text":"Alright.","start":570.41504,"end":570.91504,"sentiment":"neutral","sentiment_score":0.05787762999534607},{"text":"Is there anything I have missed or anything that you wanna discuss further?","start":570.97504,"end":575.955,"sentiment":"neutral","sentiment_score":0.0007390399248554158}],"sentiment":"neutral","sentiment_score":0.013723442735879318,"num_words":46,"start":553.83496,"end":575.955},{"sentences":[{"text":"Okay.","start":579.695,"end":580.195,"sentiment":"neutral","sentiment_score":-0.005714002065360546},{"text":"It is only one n.","start":581.135,"end":582.335,"sentiment":"neutral","sentiment_score":-0.007666464522480964},{"text":"Okay.","start":582.335,"end":582.575,"sentiment":"neutral","sentiment_score":0.011516436003148556},{"text":"So I'll just 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Thanks. How are you? Can you hear me? Yes. I can hear you. Can you hear me, Jenna? Hello? Hang on. Yeah. All good. Yeah. I can hear you. No. No. All good. Yeah. So I was told that I haven't signed off on my document. And many about a year ago, I was told with them this was, like, at the beginning of the year, I was told to wait till I had my conversation with the financial adviser, but Michelle just mentioned for me to go through the details with you and to go from there. Yes. She asked me to go through the different types of, like, options and and then to give you all the details and then to to go through, like, who my my beneficiaries are, their details, and to go from there. Yep. I think 50% both of my parents, each. So I can give you their names. Yeah. So my father's Michael Isaac. Yep. March 2 1953. Yeah. And then my mother's Helen. She has a middle name, but it's my grandfather's first name. So I'll spell it for you. Y o u k h. Yeah. I'll just ask her then a. Mom, in your last in your middle name, is there one n or two? In your name, is there one n or two? Yohanna. Two n's? Yeah. Are you sure? Is that what's on your driver's license? She say it's y o u k h ANNA. Isaac. The eighteenth oh, no. No. The August 15 of 1953. Yeah. No. The insurance is with I did it through you guys, but through yes. Correct. And we didn't have 24 for the super. Mhmm. One one I I heard you. You gave me the wrong spelling before. I'm on a call now. No. No. Sorry. She interrupted. Yeah. Yeah. Yeah. Yep. Mhmm. Okay. Sure. Yeah. I I didn't have any yeah. I don't have any dependents like that would be. So I've I've got no choice. Yeah. That's alright. I'll give you the address because that's fine. It's the same as mine. 18 Brinsmead. Yep. 6 Slash 102 To 104. Camden, C A M D E N, Camden Street. Fairfield Heights. Let me see what yeah. Yeah. No. I'll get it for you. I think it's 21C5, but I'm not sure. I'll just double check Fairfield. B Field. Alright. This code. 2165. Mhmm. Yes. Mhmm. I think it's tenants in common. Not yet. No. Yep. Mhmm. Yep. Yeah. Yep. Excuse me. Yep. Okay. Sure. Yeah, please. Mhmm. Yep. Yes. Can you please post them? Thank you. Mhmm. Yep. That's fine. Yeah. I have to go back yeah. I've gotta go back to the spelling for my mother's middle name. It's only one n. Yeah. Yeah. That's how you say John in Hebrew and Aramaic. Yeah. Well, that's where the name came from, John. It came from. Yeah. And then it turned yeah. Oh, and then it turned into Johannes Johann and then eventually John. You know what I mean? Yeah. No. No. That was all. Thank you. Thanks. Yep. Sure. Alright. Thank you so much. You too. 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Thanks. How are you? Can you hear me? Yes.\n\nI can hear you. Can you hear me, Jenna? Hello? Hang on. Yeah.\n\nAll good. Yeah. I can hear you. No. No.\n\nAll good. Yeah. So I was told that I haven't signed off on my document. And many about a year ago, I was told with them this was, like, at the beginning of the year, I was told to wait till I had my conversation with the financial adviser, but Michelle just mentioned for me to go through the details with you and to go from there. Yes.\n\nShe asked me to go through the different types of, like, options and and then to give you all the details and then to to go through, like, who my my beneficiaries are, their details, and to go from there. Yep. I think 50% both of my parents, each. So I can give you their names. Yeah.\n\nSo my father's Michael Isaac. Yep. March 2 1953. Yeah. And then my mother's Helen.\n\nShe has a middle name, but it's my grandfather's first name. So I'll spell it for you. Y o u k h. Yeah. I'll just ask her then a.\n\nMom, in your last in your middle name, is there one n or two? In your name, is there one n or two? Yohanna. Two n's? Yeah.\n\nAre you sure? Is that what's on your driver's license? She say it's y o u k h ANNA. Isaac. The eighteenth oh, no.\n\nNo. The August 15 of 1953. Yeah. No. The insurance is with I did it through you guys, but through yes.\n\nCorrect. And we didn't have 24 for the super. Mhmm. One one I I heard you. You gave me the wrong spelling before.\n\nI'm on a call now. No. No. Sorry. She interrupted.\n\nYeah. Yeah. Yeah. Yep. Mhmm.\n\nOkay. Sure. Yeah. I I didn't have any yeah. I don't have any dependents like that would be.\n\nSo I've I've got no choice. Yeah. That's alright. I'll give you the address because that's fine. It's the same as mine.\n\n18 Brinsmead. Yep. 6 Slash 102 To 104. Camden, C A M D E N, Camden Street. Fairfield Heights.\n\nLet me see what yeah. Yeah. No. I'll get it for you. I think it's 21C5, but I'm not sure.\n\nI'll just double check Fairfield. B Field. Alright. This code. 2165.\n\nMhmm. Yes. Mhmm. I think it's tenants in common. Not yet.\n\nNo. Yep. Mhmm. Yep. Yeah.\n\nYep. Excuse me. Yep. Okay. Sure.\n\nYeah, please. Mhmm. Yep. Yes. Can you please post them?\n\nThank you. Mhmm. Yep. That's fine. Yeah.\n\nI have to go back yeah. I've gotta go back to the spelling for my mother's middle name. It's only one n. Yeah. Yeah.\n\nThat's how you say John in Hebrew and Aramaic. Yeah. Well, that's where the name came from, John. It came from. Yeah.\n\nAnd then it turned yeah. Oh, and then it turned into Johannes Johann and then eventually John. You know what I mean? Yeah. No.\n\nNo. That was all. Thank you. Thanks. Yep.\n\nSure. Alright. Thank you so much. You too. 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Helen.","start":114.02,"end":116.28,"sentiment":"neutral","sentiment_score":0.03227198049426079}],"sentiment":"neutral","sentiment_score":0.027505956465999286,"num_words":15,"start":97.515,"end":116.28},{"sentences":[{"text":"She has a middle name, but it's my grandfather's first name.","start":118.82,"end":125.399994,"sentiment":"neutral","sentiment_score":0.032064989378506485},{"text":"So I'll spell it for you.","start":127.365,"end":128.725,"sentiment":"neutral","sentiment_score":0.04574845855434736},{"text":"Y o u k h.","start":128.725,"end":133.945,"sentiment":"neutral","sentiment_score":0.01825075764209032},{"text":"Yeah.","start":136.085,"end":136.405,"sentiment":"neutral","sentiment_score":0.01733429729938507},{"text":"I'll just ask her then a.","start":136.405,"end":138.245,"sentiment":"neutral","sentiment_score":0.017526700161397457}],"sentiment":"neutral","sentiment_score":0.028998411067857825,"num_words":29,"start":118.82,"end":138.245},{"sentences":[{"text":"Mom, in your last in your middle name, is there one n or two?","start":138.245,"end":143.95999,"sentiment":"neutral","sentiment_score":0.013194760773330927},{"text":"In your name, is there one n or two?","start":147.22,"end":150.12,"sentiment":"neutral","sentiment_score":0.00378950002292792},{"text":"Yohanna.","start":150.26,"end":150.76,"sentiment":"neutral","sentiment_score":0.0070322249084711075},{"text":"Two n's?","start":157.125,"end":158.105,"sentiment":"neutral","sentiment_score":-0.02560216374695301},{"text":"Yeah.","start":158.16501,"end":158.645,"sentiment":"neutral","sentiment_score":-0.007627637125551701}],"sentiment":"neutral","sentiment_score":0.006186385604518431,"num_words":27,"start":138.245,"end":158.645},{"sentences":[{"text":"Are you sure?","start":158.645,"end":159.545,"sentiment":"neutral","sentiment_score":-0.007088902251174052},{"text":"Is that what's on your driver's license?","start":161.285,"end":164.185,"sentiment":"neutral","sentiment_score":-0.005676420205937964},{"text":"She say it's y o u k h ANNA.","start":169.34999,"end":174.97,"sentiment":"neutral","sentiment_score":0.0006535715268303951},{"text":"Isaac.","start":179.18999,"end":179.68999,"sentiment":"neutral","sentiment_score":0.03283960744738579},{"text":"The eighteenth oh, no.","start":184.58499,"end":186.265,"sentiment":"neutral","sentiment_score":-0.0024899739073589444}],"sentiment":"neutral","sentiment_score":-0.001343324693152681,"num_words":24,"start":158.645,"end":186.265},{"sentences":[{"text":"No.","start":186.265,"end":186.665,"sentiment":"neutral","sentiment_score":-0.02311096340417862},{"text":"The August 15 of 1953.","start":186.665,"end":192.685,"sentiment":"neutral","sentiment_score":-0.0008308715187013149},{"text":"Yeah.","start":195.97,"end":196.47,"sentiment":"neutral","sentiment_score":0.025717951357364655},{"text":"No.","start":210.35501,"end":210.85501,"sentiment":"neutral","sentiment_score":-0.09983132779598236},{"text":"The insurance is with I did it through you guys, but through yes.","start":212.115,"end":217.475,"sentiment":"neutral","sentiment_score":-0.05264155831761085}],"sentiment":"neutral","sentiment_score":-0.037415188360249714,"num_words":21,"start":186.265,"end":217.475},{"sentences":[{"text":"Correct.","start":217.475,"end":217.975,"sentiment":"neutral","sentiment_score":0.02424749545753002},{"text":"And we didn't have 24 for the super.","start":219.475,"end":221.65501,"sentiment":"neutral","sentiment_score":0.03501332993619144},{"text":"Mhmm.","start":243.955,"end":244.455,"sentiment":"neutral","sentiment_score":0.0131199574097991},{"text":"One one I I heard you.","start":256.13,"end":258.85,"sentiment":"neutral","sentiment_score":-0.06997450068593025},{"text":"You gave me the wrong spelling before.","start":258.85,"end":261.03,"sentiment":"neutral","sentiment_score":-0.320498879466738}],"sentiment":"neutral","sentiment_score":-0.10199413339242987,"num_words":23,"start":217.475,"end":261.03},{"sentences":[{"text":"I'm on a call now.","start":261.09,"end":262.31,"sentiment":"neutral","sentiment_score":-0.17779223322868348},{"text":"No.","start":262.69,"end":262.93,"sentiment":"neutral","sentiment_score":-0.1582375168800354},{"text":"No.","start":262.93,"end":263.09,"sentiment":"neutral","sentiment_score":-0.15546531975269318},{"text":"Sorry.","start":263.09,"end":263.59,"sentiment":"neutral","sentiment_score":-0.18338201940059665},{"text":"She 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I didn't have any yeah.","start":301.70502,"end":303.945,"sentiment":"neutral","sentiment_score":-0.06469769837955634},{"text":"I don't have any dependents like that would be.","start":303.945,"end":307.005,"sentiment":"neutral","sentiment_score":-0.12793582512272728}],"sentiment":"neutral","sentiment_score":-0.08063818648871449,"num_words":18,"start":297.625,"end":307.005},{"sentences":[{"text":"So I've I've got no choice.","start":307.49002,"end":310.15002,"sentiment":"neutral","sentiment_score":-0.14506557459632555},{"text":"Yeah.","start":311.89,"end":312.39,"sentiment":"neutral","sentiment_score":-0.0015892647206783297},{"text":"That's alright.","start":312.53,"end":313.25,"sentiment":"neutral","sentiment_score":0.0692241657525301},{"text":"I'll give you the address because that's fine.","start":313.25,"end":315.19,"sentiment":"neutral","sentiment_score":0.10380695760250092},{"text":"It's the same as mine.","start":322.875,"end":324.095,"sentiment":"neutral","sentiment_score":0.0056780315935611725}],"sentiment":"neutral","sentiment_score":0.005695974454283714,"num_words":22,"start":307.49002,"end":324.095},{"sentences":[{"text":"18 Brinsmead.","start":324.875,"end":325.935,"sentiment":"neutral","sentiment_score":0.015476344618946314},{"text":"Yep.","start":326.79498,"end":327.29498,"sentiment":"neutral","sentiment_score":0.05718463286757469},{"text":"6 Slash 102 To 104.","start":335.64,"end":339.9,"sentiment":"neutral","sentiment_score":0.004864409472793341},{"text":"Camden, C A M D E N, Camden Street.","start":345.24,"end":355.60498,"sentiment":"neutral","sentiment_score":0.012427724794381194},{"text":"Fairfield Heights.","start":356.305,"end":357.365,"sentiment":"neutral","sentiment_score":0.022823918610811234}],"sentiment":"neutral","sentiment_score":0.014208248938973012,"num_words":19,"start":324.875,"end":357.365},{"sentences":[{"text":"Let me see what 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yet.","start":450.47,"end":455.21,"sentiment":"neutral","sentiment_score":-0.10438206046819687}],"sentiment":"neutral","sentiment_score":-0.019915710669010878,"num_words":11,"start":411.955,"end":455.21},{"sentences":[{"text":"No.","start":466.04498,"end":466.54498,"sentiment":"neutral","sentiment_score":-0.163825660943985},{"text":"Yep.","start":481.0,"end":481.5,"sentiment":"neutral","sentiment_score":0.09269136190414427},{"text":"Mhmm.","start":486.19998,"end":486.69998,"sentiment":"neutral","sentiment_score":0.0435190387070179},{"text":"Yep.","start":491.29498,"end":491.79498,"sentiment":"neutral","sentiment_score":0.11841234564781188},{"text":"Yeah.","start":500.57498,"end":501.07498,"sentiment":"neutral","sentiment_score":0.05115344747900963}],"sentiment":"neutral","sentiment_score":0.028390106558799734,"num_words":5,"start":466.04498,"end":501.07498},{"sentences":[{"text":"Yep.","start":506.67,"end":507.17,"sentiment":"neutral","sentiment_score":0.014353178441524506},{"text":"Excuse 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them?","start":551.255,"end":552.79504,"sentiment":"neutral","sentiment_score":0.03346628472208977}],"sentiment":"neutral","sentiment_score":0.052994581684470174,"num_words":10,"start":525.365,"end":552.79504},{"sentences":[{"text":"Thank you.","start":555.335,"end":556.075,"sentiment":"neutral","sentiment_score":0.27236105501651764},{"text":"Mhmm.","start":565.64,"end":566.14,"sentiment":"neutral","sentiment_score":0.012085413560271265},{"text":"Yep.","start":567.87,"end":568.12,"sentiment":"neutral","sentiment_score":0.06208844110369682},{"text":"That's fine.","start":568.12,"end":569.02,"sentiment":"neutral","sentiment_score":0.1184779554605484},{"text":"Yeah.","start":574.03503,"end":574.515,"sentiment":"neutral","sentiment_score":-0.009401620365679264}],"sentiment":"neutral","sentiment_score":0.12092146503606013,"num_words":7,"start":555.335,"end":574.515},{"sentences":[{"text":"I have to go back yeah.","start":574.515,"end":576.275,"sentiment":"neutral","sentiment_score":-0.011508952205379805},{"text":"I've gotta go back to the spelling for my mother's middle name.","start":576.275,"end":579.09503,"sentiment":"neutral","sentiment_score":-0.019798815017566085},{"text":"It's only one n.","start":579.395,"end":580.775,"sentiment":"neutral","sentiment_score":-0.010639891144819558},{"text":"Yeah.","start":582.755,"end":583.255,"sentiment":"neutral","sentiment_score":0.016113393008708954},{"text":"Yeah.","start":589.41,"end":589.88995,"sentiment":"neutral","sentiment_score":0.04637391120195389}],"sentiment":"neutral","sentiment_score":-0.011946323075486967,"num_words":24,"start":574.515,"end":589.88995},{"sentences":[{"text":"That's how you say John in Hebrew and Aramaic.","start":589.88995,"end":592.79,"sentiment":"neutral","sentiment_score":0.09231245103809568},{"text":"Yeah.","start":594.52997,"end":594.85,"sentiment":"neutral","sentiment_score":0.07691334933042526},{"text":"Well, that's where the name came from, John.","start":594.85,"end":596.93,"sentiment":"neutral","sentiment_score":0.045655539724975824},{"text":"It came from.","start":596.93,"end":597.825,"sentiment":"neutral","sentiment_score":0.031171797464291256},{"text":"Yeah.","start":600.78503,"end":601.025,"sentiment":"neutral","sentiment_score":0.1962384283542633}],"sentiment":"neutral","sentiment_score":0.07103288851001045,"num_words":22,"start":589.88995,"end":601.025},{"sentences":[{"text":"And then it turned yeah.","start":601.025,"end":603.205,"sentiment":"neutral","sentiment_score":0.21709062159061432},{"text":"Oh, and then it turned into Johannes Johann and then eventually 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you.","start":619.06995,"end":619.81,"sentiment":"neutral","sentiment_score":0.16742608696222305},{"text":"Thanks.","start":622.43,"end":622.93,"sentiment":"neutral","sentiment_score":0.18551936745643616},{"text":"Yep.","start":623.38995,"end":623.88995,"sentiment":"neutral","sentiment_score":0.10213296860456468}],"sentiment":"neutral","sentiment_score":0.0773854220751673,"num_words":8,"start":618.11,"end":623.88995},{"sentences":[{"text":"Sure.","start":627.955,"end":628.195,"sentiment":"neutral","sentiment_score":0.12222272902727128},{"text":"Alright.","start":628.195,"end":628.59503,"sentiment":"neutral","sentiment_score":0.261420339345932},{"text":"Thank you so much.","start":628.59503,"end":629.655,"sentiment":"positive","sentiment_score":0.4769720882177353},{"text":"You too.","start":632.195,"end":632.835,"sentiment":"positive","sentiment_score":0.635338693857193},{"text":"Bye.","start":632.835,"end":633.335,"sentiment":"positive","sentiment_score":0.35465162992477417}],"sentiment":"positive","sentiment_score":0.43520671543147826,"num_words":9,"start":627.955,"end":633.335}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hello, Ross. This is Jenna speaking. How are you today?\n\nChannel 1: Good. Thanks. How are you?\n\nChannel 0: Hello?\n\nChannel 1: Can you\n\nChannel 0: Are\n\nChannel 1: hear\n\nChannel 0: you able\n\nChannel 1: me?\n\nChannel 0: to hear me?\n\nChannel 1: Yes. I can hear you. Can you hear me, Jenna? Hello?\n\nChannel 0: Oh, there\n\nChannel 1: Hang\n\nChannel 0: you\n\nChannel 1: on.\n\nChannel 0: are. Sorry.\n\nChannel 1: Yeah.\n\nChannel 0: It was\n\nChannel 1: All\n\nChannel 0: the head.\n\nChannel 1: good.\n\nChannel 0: My\n\nChannel 1: Yeah. I can hear\n\nChannel 0: apologies.\n\nChannel 1: you.\n\nChannel 0: Oh,\n\nChannel 1: No. No.\n\nChannel 0: good.\n\nChannel 1: All good.\n\nChannel 0: Good. Okay. I understand you wanna have a a chat about beneficiaries today.\n\nChannel 1: Yeah. So I was told that I haven't signed off on my document. And\n\nChannel 0: Mhmm.\n\nChannel 1: many about a year ago, I was told with them this was, like, at the beginning of the year, I was told to wait till I had my conversation with the financial adviser, but Michelle\n\nChannel 0: Mhmm.\n\nChannel 1: just mentioned for me to go through the details with you\n\nChannel 0: Okay.\n\nChannel 1: and to go from there.\n\nChannel 0: Alright. Wonderful. So how what is it that I can help you with? Have you got some specific questions that you wanna ask?\n\nChannel 1: Yes. She asked me to go through the different\n\nChannel 0: Yeah.\n\nChannel 1: types of, like, options\n\nChannel 0: Mhmm.\n\nChannel 1: and and then to give you all the details\n\nChannel 0: Okay.\n\nChannel 1: and then to to go through, like, who my my beneficiaries are, their details, and\n\nChannel 0: Okay.\n\nChannel 1: to go from\n\nChannel 0: I\n\nChannel 1: there.\n\nChannel 0: have\n\nChannel 1: Yep.\n\nChannel 0: alright. Well, let's start there. Who would you like to nominate as your beneficiaries?\n\nChannel 1: I think 50% both of my parents, each.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: So I can give you their names.\n\nChannel 0: And yes, please.\n\nChannel 1: Yeah. So my father's Michael Isaac.\n\nChannel 0: Michael Isaac. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: And his date of birth?\n\nChannel 1: March 2\n\nChannel 0: Mhmm.\n\nChannel 1: 1953.\n\nChannel 0: 1953. Yes.\n\nChannel 1: Yeah. And then my mother's Helen.\n\nChannel 0: Yes.\n\nChannel 1: She has a middle name,\n\nChannel 0: Yes.\n\nChannel 1: but it's my grandfather's first name. So I'll spell it for you. Y o\n\nChannel 0: Y o u\n\nChannel 1: u k h.\n\nChannel 0: k h\n\nChannel 1: Yeah. I'll just ask her then a. Mom, in your last in your middle name, is there one n or two? In your name, is there one n or two? Yohanna.\n\nTwo n's? Yeah. Are you sure? Is that what's on your driver's license? She say it's y o u k h\n\nChannel 0: Yep. Yeah.\n\nChannel 1: ANNA.\n\nChannel 0: Okay. And surname?\n\nChannel 1: Isaac.\n\nChannel 0: Lovely. And what is her date of birth?\n\nChannel 1: The eighteenth oh, no. No. The August 15\n\nChannel 0: Yeah.\n\nChannel 1: of 1953.\n\nChannel 0: Oh, it's only her birthday a few days ago.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Okay. And with just just to flag this, is this for your and your insurance policies held through?\n\nChannel 1: No. The insurance is with I did it through you guys,\n\nChannel 0: Oh,\n\nChannel 1: but\n\nChannel 0: through to yep.\n\nChannel 1: through yes. Correct.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: And\n\nChannel 0: Okay.\n\nChannel 1: we didn't have 24 for the super.\n\nChannel 0: So beautiful. So with superannuation beneficiary nominations, there is some things to consider. I've checked your balance, and you are your components are fully taxable. So what that means is that upon I always like to use yesterday as an example, something happening\n\nChannel 1: Mhmm.\n\nChannel 0: to you. The benefits from your superannuation will be taxed at 15% because Michael and Helen are not your financial dependence under the the Sysak, so the superannuation\n\nChannel 1: One one\n\nChannel 0: laws.\n\nChannel 1: I I heard you. You gave me the wrong spelling before. I'm on a call now.\n\nChannel 0: Okay.\n\nChannel 1: No. No. Sorry.\n\nChannel 0: Okay.\n\nChannel 1: She interrupted.\n\nChannel 0: No. That's fine. No. You're absolutely fine.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So there is gonna be a tax deducted as\n\nChannel 1: Yeah.\n\nChannel 0: your pay don't wouldn't fall under the the superannuation legislation financial dependent\n\nChannel 1: Yep.\n\nChannel 0: rule. So just to make you aware of that,\n\nChannel 1: Mhmm.\n\nChannel 0: the other item that I do need to get from you to nominate them is their addresses.\n\nChannel 1: Okay. Sure.\n\nChannel 0: Yes. Because that will go on the form\n\nChannel 1: Yeah. I I\n\nChannel 0: that\n\nChannel 1: didn't\n\nChannel 0: we will\n\nChannel 1: have\n\nChannel 0: get\n\nChannel 1: any\n\nChannel 0: you to sign.\n\nChannel 1: yeah. I don't have any dependents like that would be. So\n\nChannel 0: Financial.\n\nChannel 1: I've I've\n\nChannel 0: Yeah.\n\nChannel 1: got no choice. Yeah. That's alright. I'll give you the address because that's fine.\n\nChannel 0: Yeah. Okay. No worries. What is your dad Michael's residential address?\n\nChannel 1: It's the same as mine. 18\n\nChannel 0: Same as yours?\n\nChannel 1: Brinsmead. Yep.\n\nChannel 0: Okay. And your mom, Helen's residential address?\n\nChannel 1: 6 Slash\n\nChannel 0: Yes?\n\nChannel 1: 102 To 104.\n\nChannel 0: 2104. Yes?\n\nChannel 1: Camden, C A M D E N, Camden\n\nChannel 0: Yes. Mhmm.\n\nChannel 1: Street. Fairfield Heights.\n\nChannel 0: High. Yes. And\n\nChannel 1: Let me\n\nChannel 0: the\n\nChannel 1: see what\n\nChannel 0: postcard, if you\n\nChannel 1: yeah.\n\nChannel 0: have it.\n\nChannel 1: Yeah. No. I'll get it for you. I think it's 21C5, but I'm not sure. I'll just double check Fairfield.\n\nChannel 0: Thank you.\n\nChannel 1: B Field. Alright. This code. 2165.\n\nChannel 0: 2165. Beautiful. Alright. The other thing that I just wanted to flag with you\n\nChannel 1: Mhmm.\n\nChannel 0: just for you to have a a think about or if you want a referral. So you I noticed I noted from your previous meeting that you were selling down your private your ownership in a private your private residence. We get that to 15%. Has that occurred?\n\nChannel 1: Yes.\n\nChannel 0: Yes. Okay. So you you\n\nChannel 1: Mhmm.\n\nChannel 0: hold 15%? Yep. And how's that held? Is that joint tenants or tenants in common?\n\nChannel 1: I think it's tenants in common.\n\nChannel 0: Yeah. Okay. And I've just checked, and please\n\nChannel 1: Not\n\nChannel 0: correct me if I'm wrong. Do you have a will?\n\nChannel 1: yet.\n\nChannel 0: No. Not yet. Okay. So do you understand that how the tenants in common structure works with property upon this?\n\nChannel 1: No.\n\nChannel 0: No? Okay. So what happens is that the way the tenants in common works is that your portion of the property, the 15%, will pass through your your estate for ownership. So\n\nChannel 1: Yep.\n\nChannel 0: that's where a will probably becomes really important given the structure of the property ownership\n\nChannel 1: Mhmm.\n\nChannel 0: is where you want that 15% ownership to be directed. So\n\nChannel 1: Yep.\n\nChannel 0: it won't automatically revert to your dad or your brother or anything. It's gonna go it's gonna pass through your estate. So that's\n\nChannel 1: Yeah.\n\nChannel 0: probably something I'll flag with you that you probably should look at sooner rather than later.\n\nChannel 1: Yep.\n\nChannel 0: But\n\nChannel 1: Excuse\n\nChannel 0: and\n\nChannel 1: me.\n\nChannel 0: we and\n\nChannel 1: Yep.\n\nChannel 0: we do have professionals that we partner with that can help you with that. So we can send send you through a brochure with some information and costings as an example on on how you can get that arranged. Would\n\nChannel 1: Okay.\n\nChannel 0: you like\n\nChannel 1: Sure.\n\nChannel 0: me to do that?\n\nChannel 1: Yeah, please.\n\nChannel 0: Okay. Beautiful. Okay. And then just finally, with the beneficiary forms, we do require them to be wet signature have a wet\n\nChannel 1: Mhmm.\n\nChannel 0: signature.\n\nChannel 1: Yep.\n\nChannel 0: Do you have access to a printer?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Would you like them emailed to you so you can print them and have them witnessed, or or would you like us to post them to you?\n\nChannel 1: Can you please post them?\n\nChannel 0: Yeah. Of course.\n\nChannel 1: Thank you.\n\nChannel 0: And just just a side note as well, with the witnessing of those documents, neither of your beneficiaries can witness those, so they will have to be\n\nChannel 1: Mhmm.\n\nChannel 0: somebody independent.\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Okay. Alright. Is there anything I have missed or anything that you\n\nChannel 1: Yeah. I\n\nChannel 0: wanna\n\nChannel 1: have to go\n\nChannel 0: discuss\n\nChannel 1: back\n\nChannel 0: further?\n\nChannel 1: yeah. I've gotta go back to the spelling for my mother's middle name. It's only\n\nChannel 0: Okay.\n\nChannel 1: one n.\n\nChannel 0: It is only one n. Okay. So\n\nChannel 1: Yeah.\n\nChannel 0: I'll just confirm that. It's y o u k h a n a.\n\nChannel 1: Yeah. That's how you say\n\nChannel 0: Beautiful.\n\nChannel 1: John in Hebrew and Aramaic.\n\nChannel 0: Oh, lovely.\n\nChannel 1: Yeah. Well, that's where\n\nChannel 0: That's\n\nChannel 1: the\n\nChannel 0: very\n\nChannel 1: name came from, John. It came from.\n\nChannel 0: okay. Oh, that's very cool. I\n\nChannel 1: Yeah.\n\nChannel 0: like\n\nChannel 1: And\n\nChannel 0: it.\n\nChannel 1: then\n\nChannel 0: I\n\nChannel 1: it\n\nChannel 0: love\n\nChannel 1: turned\n\nChannel 0: learning something new every day,\n\nChannel 1: yeah.\n\nChannel 0: so thank you.\n\nChannel 1: Oh, and then it turned into Johannes Johann and then eventually John. You know what I mean?\n\nChannel 0: Yeah. Okay. Oh, that's great.\n\nChannel 1: Yeah.\n\nChannel 0: Great. Alright. Well, is there anything else I can help you with, Ross?\n\nChannel 1: No. No. That was all. Thank you.\n\nChannel 0: Okay. Well, we'll get those forms posted out\n\nChannel 1: Thanks.\n\nChannel 0: to you. And if\n\nChannel 1: Yep.\n\nChannel 0: you can get them back to us as soon as possible, we'll get them applied to your\n\nChannel 1: Sure. Alright. Thank you so much.\n\nChannel 0: account. You're welcome. Enjoy your afternoon.\n\nChannel 1: You too. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello, Ross.","start":1.92,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.18605681508779526},{"text":"This is Jenna speaking.","start":2.6399999,"end":3.76,"sentiment":"neutral","sentiment_score":0.23626995086669922},{"text":"How are you today?","start":3.76,"end":4.74,"sentiment":"neutral","sentiment_score":0.3115791231393814}],"sentiment":"neutral","sentiment_score":0.2563509926199913,"channel":0,"num_words":10,"start":1.92,"end":4.74},{"sentences":[{"text":"Good.","start":4.96,"end":5.2,"sentiment":"positive","sentiment_score":0.6141189336776733},{"text":"Thanks.","start":5.2,"end":5.52,"sentiment":"positive","sentiment_score":0.6184606552124023},{"text":"How are 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afternoon.","start":630.7729,"end":631.9129,"sentiment":"positive","sentiment_score":0.8402240673700968}],"sentiment":"positive","sentiment_score":0.7516675889492035,"channel":0,"num_words":6,"start":629.3329,"end":631.9129},{"sentences":[{"text":"You too.","start":632.195,"end":632.835,"sentiment":"positive","sentiment_score":0.635338693857193},{"text":"Bye.","start":632.835,"end":633.335,"sentiment":"positive","sentiment_score":0.35465162992477417}],"sentiment":"positive","sentiment_score":0.5417763392130533,"channel":1,"num_words":3,"start":632.195,"end":633.335},{"sentences":[{"text":"Bye.","start":633.7329,"end":634.2329,"sentiment":"neutral","sentiment_score":-0.08748793601989746}],"sentiment":"neutral","sentiment_score":-0.08748793601989746,"channel":0,"num_words":1,"start":633.7329,"end":634.2329}]},"summary":{"result":"success","short":"A customer named Jenna speaks with an agent named Ross about her beneficiaries for her insurance policy. They discuss the beneficiaries and their details, and Ross provides Jenna with the address of the beneficiary. The agent explains that the policy is fully taxable and that the benefits will be taxed at 15%, and suggests that Jenna may need to look at her will in the future. The agent also provides information on the property ownership structure and advises Jenna to post necessary forms and sign a wet signature."},"intents":{"segments":[{"text":"So how what is it that I can help you with? Have you got some specific questions that you wanna ask? Yes.","start_word":147,"end_word":168,"intents":[{"intent":"Ask questions","confidence_score":0.05990696}]},{"text":"So you I noticed I noted from your previous meeting that you were selling down your private your ownership in a private your private residence. We get that to 15%. Has that occurred? Yes.","start_word":774,"end_word":807,"intents":[{"intent":"Report property ownership changes","confidence_score":0.000059018777}]},{"text":"So we can send send you through a brochure with some information and costings as an example on on how you can get that arranged. Would Okay.","start_word":999,"end_word":1025,"intents":[{"intent":"Send brochure","confidence_score":0.25021765}]},{"text":"Would you like them emailed to you so you can print them and have them witnessed, or or would you like us to post them to you?","start_word":1069,"end_word":1095,"intents":[{"intent":"Print beneficiary forms","confidence_score":0.24893008}]},{"text":"Is there anything I have missed or anything that you Yeah.","start_word":1141,"end_word":1151,"intents":[{"intent":"Ask for clarification","confidence_score":0.0059837177}]},{"text":"I've gotta go back to the spelling for my mother's middle name. It's only Okay.","start_word":1161,"end_word":1175,"intents":[{"intent":"Clarify name","confidence_score":0.008691832}]},{"text":"I've gotta go back to the spelling for my mother's middle name. It's only Okay. one n. It is only one n. Okay. So Yeah. I'll just confirm that. It's y o u k h a n a. Yeah.","start_word":1161,"end_word":1199,"intents":[{"intent":"Confirm spelling","confidence_score":0.7267968}]},{"text":"I've gotta go back to the spelling for my mother's middle name. It's only Okay. one n. It is only one n. Okay. So Yeah. I'll just confirm that. It's y o u k h a n a. Yeah. That's how you say Beautiful. John in Hebrew and Aramaic. Oh, lovely.","start_word":1161,"end_word":1211,"intents":[{"intent":"Explain name usage","confidence_score":4.3278206e-7}]},{"text":"It's y o u k h a n a. Yeah.","start_word":1190,"end_word":1199,"intents":[{"intent":"Confirm identity","confidence_score":0.07514144}]}]},"sentiments":{"segments":[{"text":"Hello, Ross. This is Jenna speaking. How are you today?","start_word":0,"end_word":9,"sentiment":"neutral","sentiment_score":0.25125622749328613},{"text":"Good. Thanks. How are you?","start_word":10,"end_word":14,"sentiment":"positive","sentiment_score":0.47590914368629456},{"text":"Hello? Can Are you hear you able me? to hear me? Yes. I can hear you. Can you hear me, Jenna? Hello? Oh, there Hang you on. are. Sorry. Yeah. It was All the head. good. My Yeah. I can hear apologies. you. Oh, No. No. good. All good. Good. Okay. I understand you wanna have a a chat about beneficiaries today. Yeah. So I was told that I haven't signed off on my document. And Mhmm. many about a year ago, I was told with them this was, like, at the beginning of the year, I was told to wait till I had my conversation with the financial adviser, but Michelle Mhmm. just mentioned for me to go through the details with you Okay. and to go from there.","start_word":15,"end_word":144,"sentiment":"neutral","sentiment_score":-0.028956325724720955},{"text":"Alright. Wonderful.","start_word":145,"end_word":146,"sentiment":"positive","sentiment_score":0.4126643836498261},{"text":"So how what is it that I can help you with? Have you got some specific questions that you wanna ask? Yes. She asked me to go through the different Yeah. types of, like, options Mhmm. and and then to give you all the details Okay. and then to to go through, like, who my my beneficiaries are, their details, and Okay. to go from I there. have Yep. alright. Well, let's start there. Who would you like to nominate as your beneficiaries? I think 50% both of my parents, each. Yeah. Yeah. So I can give you their names. And yes, please. Yeah. So my father's Michael Isaac. Michael Isaac. Yeah. Yep. And his date of birth? March 2 Mhmm. 1953. 1953. Yes. Yeah. And then my mother's Helen. Yes. She has a middle name, Yes. but it's my grandfather's first name. So I'll spell it for you. Y o Y o u u k h. k h Yeah. I'll just ask her then a. Mom, in your last in your middle name, is there one n or two? In your name, is there one n or two? Yohanna. Two n's? Yeah. Are you sure? Is that what's on your driver's license? She say it's y o u k h Yep. Yeah. ANNA. Okay. And surname? Isaac. Lovely. And what is her date of birth? The eighteenth oh, no. No. The August 15 Yeah. of 1953. Oh, it's only her birthday a few days ago. Yeah. Yep. Okay. And with just just to flag this, is this for your and your insurance policies held through? No. The insurance is with I did it through you guys, Oh, through but to yep. through yes. Correct. Yeah. Yep. Okay. And we didn't have 24 for the super.","start_word":147,"end_word":442,"sentiment":"neutral","sentiment_score":0.03488217297362516},{"text":"So beautiful.","start_word":443,"end_word":444,"sentiment":"positive","sentiment_score":0.6379591226577759},{"text":"So with superannuation beneficiary nominations, there is some things to consider. I've checked your balance, and you are your components are fully taxable. So what that means is that upon I always like to use yesterday as an example, something happening Mhmm. to you. The benefits from your superannuation will be taxed at 15% because Michael and Helen are not your financial dependence under the the Sysak, so the superannuation One one laws. I I heard you. You gave me the wrong spelling before. I'm on a call now. Okay. No. No. Sorry. Okay. She interrupted. No. That's fine. No. You're absolutely fine. Yeah. Yeah. So there is gonna be a tax deducted as Yeah. your pay don't wouldn't fall under the the superannuation legislation financial dependent Yep. rule. So just to make you aware of that, Mhmm. the other item that I do need to get from you to nominate them is their addresses. Okay. Sure. Yes. Because that will go on the form Yeah. I that I didn't we will have get any you to sign. yeah. I don't have any dependents like that would be. So Financial. I've I've Yeah. got no choice. Yeah. That's alright. I'll give you the address because that's fine. Yeah. Okay. No worries. What is your dad Michael's residential address? It's the same as mine. 18 Same as yours? Brinsmead. Yep. Okay. And your mom, Helen's residential address? 6 Slash Yes? 102 To 104. 2104. Yes? Camden, C A M D E N, Camden Yes. Mhmm. Street. Fairfield Heights. High. Yes. And Let me the see what postcard, if you yeah. have it. Yeah. No. I'll get it for you. I think it's 21C5, but I'm not sure. I'll just double check Fairfield.","start_word":445,"end_word":735,"sentiment":"neutral","sentiment_score":-0.0006972769246503865},{"text":"Thank you.","start_word":736,"end_word":737,"sentiment":"positive","sentiment_score":0.3864838480949402},{"text":"B Field. Alright. This code. 2165. 2165.","start_word":738,"end_word":744,"sentiment":"neutral","sentiment_score":0.05765498802065849},{"text":"Beautiful.","start_word":745,"end_word":745,"sentiment":"positive","sentiment_score":0.5257478952407837},{"text":"Alright. The other thing that I just wanted to flag with you Mhmm. just for you to have a a think about or if you want a referral. So you I noticed I noted from your previous meeting that you were selling down your private your ownership in a private your private residence. We get that to 15%. Has that occurred? Yes. Yes. Okay. So you you Mhmm. hold 15%? Yep. And how's that held? Is that joint tenants or tenants in common? I think it's tenants in common. Yeah. Okay. And I've just checked, and please Not correct me if I'm wrong. Do you have a will? yet. No. Not yet. Okay. So do you understand that how the tenants in common structure works with property upon this? No. No? Okay. So what happens is that the way the tenants in common works is that your portion of the property, the 15%, will pass through your your estate for ownership. So Yep. that's where a will probably becomes really important given the structure of the property ownership Mhmm. is where you want that 15% ownership to be directed. So Yep. it won't automatically revert to your dad or your brother or anything. It's gonna go it's gonna pass through your estate. So that's Yeah. probably something I'll flag with you that you probably should look at sooner rather than later. Yep. But Excuse and me. we and Yep. we do have professionals that we partner with that can help you with that. So we can send send you through a brochure with some information and costings as an example on on how you can get that arranged. Would Okay. you like Sure. me to do that? Yeah, please.","start_word":746,"end_word":1034,"sentiment":"neutral","sentiment_score":0.01245715937361276},{"text":"Okay. Beautiful.","start_word":1035,"end_word":1036,"sentiment":"positive","sentiment_score":0.5056591629981995},{"text":"Okay. And then just finally, with the beneficiary forms, we do require them to be wet signature have a wet Mhmm. signature. Yep. Do you have access to a printer? Yes. Yeah. Would you like them emailed to you so you can print them and have them witnessed, or or would you like us to post them to you? Can you please post them? Yeah. Of course. Thank you. And just just a side note as well, with the witnessing of those documents, neither of your beneficiaries can witness those, so they will have to be Mhmm. somebody independent. Yep. That's fine. Okay. Alright. Is there anything I have missed or anything that you Yeah. I wanna have to go discuss back further? yeah. I've gotta go back to the spelling for my mother's middle name. It's only Okay. one n. It is only one n. Okay. So Yeah. I'll just confirm that. It's y o u k h a n a. Yeah. That's how you say Beautiful. John in Hebrew and Aramaic. Oh, lovely. Yeah. Well, that's where That's the very name came from, John. It came from. okay.","start_word":1037,"end_word":1226,"sentiment":"neutral","sentiment_score":0.04552479833364487},{"text":"Oh, that's very cool.","start_word":1227,"end_word":1230,"sentiment":"positive","sentiment_score":0.4092361330986023},{"text":"I Yeah. like And it. then I it love turned learning something new every day, yeah. so thank you. Oh, and then it turned into Johannes Johann and then eventually John. You know what I mean? Yeah. Okay.","start_word":1231,"end_word":1268,"sentiment":"neutral","sentiment_score":0.1482304036617279},{"text":"Oh, that's great.","start_word":1269,"end_word":1271,"sentiment":"positive","sentiment_score":0.3467769920825958},{"text":"Yeah.","start_word":1272,"end_word":1272,"sentiment":"neutral","sentiment_score":0.29955437779426575},{"text":"Great.","start_word":1273,"end_word":1273,"sentiment":"positive","sentiment_score":0.39237046241760254},{"text":"Alright. Well, is there anything else I can help you with, Ross? No. No. That was all. Thank you. Okay. Well, we'll get those forms posted out Thanks. to you. And if Yep. you can get them back to us as soon as possible, we'll get them applied to your Sure. Alright.","start_word":1274,"end_word":1325,"sentiment":"neutral","sentiment_score":0.12398310750722884},{"text":"Thank you so much. account. You're welcome. Enjoy your afternoon. You too. Bye.","start_word":1326,"end_word":1338,"sentiment":"positive","sentiment_score":0.6085644501906174},{"text":"Bye.","start_word":1339,"end_word":1339,"sentiment":"neutral","sentiment_score":0.22067365050315857}],"average":{"sentiment":"neutral","sentiment_score":0.04093961362485533}}}}