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That's that's... It looks like... It is honestly up to you. Do you have time to sort of go through things? I'd definitely love to have a bit of a catch up with you and see how everything's going, look at maybe updating the advice and seeing how things are tracking for you. But just wanted to make sure that you've got enough time for it as well. It sounds like you're driving at the moment. Oh, fantastic. Lovely. Just sort of touching base with last time, so last conversation there, and I know you've taken the extra funds out as a bit of a buffer for that 15,000 withdrawal. How's everything been going since... I know you were looking at getting a new job and studying, and there was a lot happening at the time that we spoke last time. What's been... What's changed in your life so far? Yes. Yes. Oh. Yeah. Yeah. Yeah. Yep. Yes. Beautiful. Beautiful. Beautiful. Yeah. Yeah. Yep. Yeah. Beautiful. Not a problem at all. So just sort of looking forward with those extra contributions there, I'm happy to send you the information so that you can contribute the funds back into super. Not a problem. Would you like me just to update the advice? That's okay. Would you like me to also maybe update the advice to reflect the regular contribution going in, how that can look for you, and just sorta update the advice strategy to reflect those changes in your circumstances, or are you happy just to recontribute the money back? What would you prefer me to do? Yeah. Beautiful. Yeah. Absolutely. Not a problem at all. Well, what I'll do now, the... You're technically just a sole trader at the moment. So you're setting aside a certain amount of money for your contributions. Is it a certain percentage that you're setting aside for your regular contributions in the super? Yep. What percentage is just for the contributions? 25% for super contributions. Beautiful. And what are you sort of estimating your income should be this year, do you think? Or what is your regular income looking like at the moment? Mhmm. Yep. Yep. 1,100 per week. Yep. Beautiful. And then there's also tax to consider on top of that. So that would be your gross weekly income. Beautiful. Worst income. Beautiful. I can use that as a bit of a base to have a look at the numbers. Absolutely perfectly fine. And are you still sort of thinking... I know one of the things we talked about was that you were looking to sort of continue working until, you know, sort of your late sixties. When you sort of think about when you might wanna stop working fully and fully retire and draw an income out of your super, what kinda age are you sort of thinking now might be your goal? 70? Yep. 50. Yeah. Yeah. Yeah. That's okay. Yeah. Yeah. Absolutely. No. That's okay. Well, what I'm sort of thinking is I know one of the things we talked about last time was looking at that trends your retirement strategy. With your work and how it has sort of changed, it does sort of feel like that might not be appropriate to sort of follow through with at the moment. So I might just look at the advice and look at the contributions going in. Does that sound okay with you? Did you want me to reassess and maybe see if that transfer time strategy might still work for you based on your current income? Yeah. Yeah. No. Absolutely. Yes. So sorry. The phone just cut out. I do apologize there, Vivian. So having a look at that at the moment. Now when we sort of did the advice last time, we put you into a risk category, and that was more balanced. So that's sort of more on the lowest sort of end of the scale when you think about risk out of a number between one and five, five obviously being the highest level of risk, one being the lowest, you're sort of sitting at around about a two there. So it isn't the highest level of risk. It sees about 60% of your super invested in growth assets, so, like, shares, and then the other sort of 40% in lower risk defensive investments. Think about things like cash, bonds, and fixed interest there. So you are realistically on that kinda lower end of the scale, which is absolutely fine for your age and stage. That balanced environment suit... Someone who has about three years before they're wanting to access their super, which is absolutely okay. We know with the likelihood of a negative return, it's expected around one in sort of every seven years. So it is relatively lower risk. There is always a level of risk involved with investing in the markets, but you are kind of on that lower side there. Does that still feel fairly appropriate to you? I mean, you you absolutely could. We could look at increasing it a little bit more. Alternatively, if you wanted to, we could maybe keep you where you are for now. Just see how things track over maybe the next... Towards your next review, and then maybe see where things are at once you've kinda got that settlement in your work. You see the money coming in on a regular basis. The contributions are starting to go in, and we kinda get a bit of an idea of where things are heading towards. I kind of... I'm happy to move you up now if you'd really like to take on a little bit more risk, but I'm also kind of wary that taking on more risk means the likelihood of a negative return increases as well. So looking for regular, steady compounding returns is what we're kind of after with super. We wanna kinda build it and compound it over time. We're not gonna get, you know, really amazing returns without that downside risk as well. What's your thoughts? Do you have more questions there? Is... What's within your comfort level? Yep. Yep. Yeah. That's okay. Yeah. Yeah. Absolutely. That's not a problem at all. Look. What I'll probably do is I'll keep you in that balanced environment for the moment just so we get a bit more clarity around your income and see things kinda going in more regularly. I'll update the advice to reflect that. And then if you like, once we kinda come back from that Christmas break and your supersed had a bit of a chance to see some contributions going in to sort of go through a few months of ups and downs and we see what it's looking like, then we can always come back and review that and look to increase the risk level if you're comfortable to do so. Does that sound okay with you? Beautiful. Excellent. Now with your goal side of things, I can look at, obviously, 70 as you have mentioned. Would you also like me to maybe project out to say age 67, look at what we're projecting based on the advice, but then also maybe look at Centrelink at that time for you as well if appropriate. Does that sound like something you'd like me to maybe consider as an alternative? Yep. Beautiful. That's okay. And you still got the investment property there as well. How's that going at the moment? Beautiful. Yep. Yep. Yep. Beautiful. Not a problem at all. Excellent. And asset value on that investment property last time was around about 500,000. Would you alter or change that or keep it the same? That's... You'll find the asset value. So the value of the investment property we have sitting at 500,000, would you keep that the same or change it? $5.30. Beautiful. Excellent. Yeah. Yep. Yep. Beautiful. And then I have down here you have a loan on that property of 480,000 as well. Is that still correct? Yeah. Beautiful. And rent on that, we were... Oh, has it? Roughly, what do you think it might be at the moment? $4.65. Not a problem at all. And rent on that one you're receiving was about 600 per week. Is that still fairly accurate? Yep. Beautiful. Lovely. And then it's negatively geared, that property as well, isn't it? Yep. Beautiful. Yeah. Yeah. Absolutely. Absolutely. So I'll note that down there. What is your... Do you know what your pay or what is required to be paid on the loan for that investment property on a regular basis? And that's per month? Per month. Lovely. And do you know what the interest rate is on that property currently? 4.60. Beautiful. Excellent. And do you have any kind of idea as to what the regular management costs are that you're paying on that property? Or if you don't know, that's okay. $50 per week or per month? Or per week? That's okay. You... That's okay. And when you think about other costs for the per week, lovely. And other costs that you are sort of paying for the property, things like... Sorry. Rates, taxes, and things like that. What do you average that would be per year? So, like, insurances, rates at about 3,000. Beautiful. That's a year. A $180 per week or... So... Yeah. Okay. Beautiful. Lovely. Just to factor those in, is there any other cost that you're outlying for the investment property that I haven't sort of factored in sitting here at the moment? Beautiful. Thank you for that. Just the other thing to look at here is the cash savings. Now you did have sort of 15,000 sitting in cash savings. I know you've taken some money out and had quite a lot going on. Do you still have anything sitting in savings at the moment? Yep. No. That's okay. So I'll change it to super account. Beautiful. I've got your main primary residence sitting here, and the value on that last time was 680,000. Would you change or alter that value? Nope. That's okay. And then I've got down here your electric car as well, which had a value of 40,000. Would you change or alter that value at all? No. Beautiful. Is there any other assets or liabilities that I haven't got noted that you might want me to note down here? No. Oh, beautiful. Let's note that down. Hopefully, the sun comes out so you can ride it. Oh, is it? No. It's horrible and wet and rainy here at the moment. Oh, hopefully, our sun comes back out. We were lucky over the weekend. So I'll take the rain for the week, and then, hopefully, the sun comes back out for us for the weekend there. Yeah. Yes. Yep. It was crazy, wasn't it? Yeah. Absolutely. Beautiful. So just to kind of recap there, I've updated your strategy. We'll look at just the additional contributions going in. I'm sorry. I'm... The client did cut out for me before. I'm sort of thinking about, at the moment, we don't sort of revisit that trends, your time, and strategy. Just with the the changes in your income, it might not work very well. Did you want me to kinda go back and reassess it and maybe see if that TTR strategy can work for you, or are you happy just to maybe look at putting the contributions back in? What's more... What's preferred to yourself, Vivian? Yep. Yeah. Yeah. Let's maybe review that after Christmas when you have a little bit more of an idea of what your income is because at the moment, you're still sort of getting it all sorted, building it up. It's a little... Probably a little bit more sporadic than what you, you know, would be getting on a regular basis. Let's sort of re... Just update the strategy now to simplify things for you. Make sure your super is working, get those contributions back in, and then we maybe meet after Christmas again. We review the TTR side of things. We look at how your regular income is affecting you, and then also look at the risk profiling and see what your sleep has been doing. We kinda bring it back a little bit and just sort of do little stages. Does that sound okay for you? Yep. Beautiful. Excellent. I'm noting here that super contributions were basing income on gross 1,100 per week, and you're putting away 25% of that on a weekly basis for super contributions. Yep. And when you get the rebate back from the, from the surgery, do you know how much that's expected to be? No. That's okay. Straight. That's okay. We'll just work on the contribution side of things. That way, that additional can just be noted. If you let me know when you are ready to put that in just so I can, keep an eye on that for you. Absolutely fine. Just looking at the other details here. So now you're working in NDIS now? Yep. Yep. Wow. That's a very big job. My mom's an aged care nurse, and that's a very... It's a very demanding role. Yep. Yep. Yeah. Absolutely. Yeah. Beautiful. That's fantastic. And how many hours are you averaging working at the moment? Okay. Beautiful. And that's... Yep. Okay. And that's the five days a week? Yep. Beautiful. Excellent. And just double checking anything else I've got down here now. We sort of went over your estate planning. A while ago, you were still happy with everything there. I had noted here that if you pass away, you want your super to be paid as a death benefit to your three sons, and you've still got your will and power of attorney. Yep. Absolutely. What would you like me to have noted there? Mhmm. Yep. Mhmm. Yep. Perfect. So what... The way we could definitely look at doing this is with your super beneficiary, I would probably look at nominating your legal personal representative. So in the event that something occurs, all your super money is directed straight through to your estate. It also works well because all three of your kids are technically nontax dependent. Then in your will, just speak to a solicitor and get that updated so that the portion that goes to your two children that are, you know, able and capable of handling the money is allocated in a certain percentage. And then noted that the the portion that you want paid to your son that does have those extra needs and that you want those conditions to be applied, that all can be set up to your trust via your will. So you can add those conditions. You can have the money paid into a trust and paid out to him at a certain point in time utilizing conditions, and you nominate someone else to be the executor of that trust or the trustee of that trust, whether it be your other two children or another person, and they will be the ones that handle that money on his behalf. And all that gets done through your solicitor, so it can definitely be done that way. Yeah. Excellent. Lovely. I've got down here next two years looking at doing the aged care side of things, and you're doing that now, which is fantastic. So you've had those changes. Is there any other goals, sorry, down the track that you wanted me to sort of take into account for you? Or... Beautiful. Absolutely. Well, I've got basically everything I need at the moment. If there is anything additional that we need to sort of factor in, I will do so. I will, sorry, also note down... I'm just double checking the fax line just to reconfirm. There's nothing additional we need to sort of note in there. Everything looks really good otherwise. Your sweeper has been working really nicely, really happy with what's happening. Obviously, that with that came out for the 15,000 has affected the returns there. But when I have a look at the returns from when you came on board in April up until that withdrawal was deducted, your super had made a bit of a $14,000. So it does essentially mean that that 15 thousand dollar withdrawal was essentially just the growth, which meant the capital was still almost fully intact there. So that is good. You made what you needed, and we'll make... We can make that back. You'll never get to the position you were without the withdrawal, but we can look to make that back and kinda keep it growing. I... Just with the tax side of things, so you mentioned you're putting away that 25% for super. Are you putting away an additional amount for the tax, or is that included in that 25%? Additional? How much are you putting away for the taxation side of things for that money? Or is that... Yep. Yep. Beautiful. No. Of course not. Absolutely. Absolutely. And did you want me to, as part of the advice, look at the best way to make those contributions? Because they are being contributed out of your bank account, we can do it in a way that might be more tax effective for you. Did you want me to look at that for the contributions? Yep. Beautiful. I can factor that in for you. Is there anything else that might be important that I may not have asked or have I missed anything that might be important to you to discuss today? No. Uh-huh. Of course. No. You never have to apologize. That's why I always send a text message after because I know you are busy. You've had a lot going on, a lot of changes coming up. So it's really great to be able to update things and have a look at everything for you. I do want to, before I let you go, just rebook you in to sort of touch base in the next couple of weeks to go through the updated advice document for you there, Vivian. Is there generally a day or time that suits you best moving forward? Yeah. Absolutely. And we normally touch base 08:30 Queensland time. Absolutely. So let's have a look where... In October, I could do for you, say, in two weeks. So Monday, October 19, if you like. Would that suit you at all? Beautiful. Just to go back, I'll do the research and get the advice document done up. I'll give you a call at 08:30AM Queensland time on the October 19. I'll send you the calendar invite so that it comes through... The invite today... The call comes through to let you know, and I'll add a text message reminder in there as well. So I'll send you a message an hour prior to let you know I'll be calling. If you missed the call, that's okay. Same as today. I'll send you a text message so you can call me back when you're available. Okay? That's okay. Not a problem at all, Vivian. If I do need anything additional, I'll come back and double check with you. But at the moment, we've got everything we need to be able to move forward and update this strategy for you. Okay. Oh, not a problem. Enjoy your week. I hope you have a good day. Thanks, Vivian. I'll talk to you soon. Thanks. See you later. 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Good morning, Vivian. This is Dana. How are you today? I'm very well.\n\nThank you. Thanks for returning my call. Vivian, I had you booked in this morning for a bit of a catch up and a review. That's that's... It looks like...\n\nIt is honestly up to you. Do you have time to sort of go through things? I'd definitely love to have a bit of a catch up with you and see how everything's going, look at maybe updating the advice and seeing how things are tracking for you. But just wanted to make sure that you've got enough time for it as well. It sounds like you're driving at the moment.\n\nOh, fantastic. Lovely. Just sort of touching base with last time, so last conversation there, and I know you've taken the extra funds out as a bit of a buffer for that 15,000 withdrawal. How's everything been going since... I know you were looking at getting a new job and studying, and there was a lot happening at the time that we spoke last time.\n\nWhat's been... What's changed in your life so far? Yes. Yes. Oh.\n\nYeah. Yeah. Yeah. Yep. Yes.\n\nBeautiful. Beautiful. Beautiful. Yeah. Yeah.\n\nYep. Yeah. Beautiful. Not a problem at all. So just sort of looking forward with those extra contributions there, I'm happy to send you the information so that you can contribute the funds back into super.\n\nNot a problem. Would you like me just to update the advice? That's okay. Would you like me to also maybe update the advice to reflect the regular contribution going in, how that can look for you, and just sorta update the advice strategy to reflect those changes in your circumstances, or are you happy just to recontribute the money back? What would you prefer me to do?\n\nYeah. Beautiful. Yeah. Absolutely. Not a problem at all.\n\nWell, what I'll do now, the... You're technically just a sole trader at the moment. So you're setting aside a certain amount of money for your contributions. Is it a certain percentage that you're setting aside for your regular contributions in the super? Yep.\n\nWhat percentage is just for the contributions? 25% for super contributions. Beautiful. And what are you sort of estimating your income should be this year, do you think? Or what is your regular income looking like at the moment?\n\nMhmm. Yep. Yep. 1,100 per week. Yep.\n\nBeautiful. And then there's also tax to consider on top of that. So that would be your gross weekly income. Beautiful. Worst income.\n\nBeautiful. I can use that as a bit of a base to have a look at the numbers. Absolutely perfectly fine. And are you still sort of thinking... I know one of the things we talked about was that you were looking to sort of continue working until, you know, sort of your late sixties.\n\nWhen you sort of think about when you might wanna stop working fully and fully retire and draw an income out of your super, what kinda age are you sort of thinking now might be your goal? 70? Yep. 50. Yeah.\n\nYeah. Yeah. That's okay. Yeah. Yeah.\n\nAbsolutely. No. That's okay. Well, what I'm sort of thinking is I know one of the things we talked about last time was looking at that trends your retirement strategy. With your work and how it has sort of changed, it does sort of feel like that might not be appropriate to sort of follow through with at the moment.\n\nSo I might just look at the advice and look at the contributions going in. Does that sound okay with you? Did you want me to reassess and maybe see if that transfer time strategy might still work for you based on your current income? Yeah. Yeah.\n\nNo. Absolutely. Yes. So sorry. The phone just cut out.\n\nI do apologize there, Vivian. So having a look at that at the moment. Now when we sort of did the advice last time, we put you into a risk category, and that was more balanced. So that's sort of more on the lowest sort of end of the scale when you think about risk out of a number between one and five, five obviously being the highest level of risk, one being the lowest, you're sort of sitting at around about a two there. So it isn't the highest level of risk.\n\nIt sees about 60% of your super invested in growth assets, so, like, shares, and then the other sort of 40% in lower risk defensive investments. Think about things like cash, bonds, and fixed interest there. So you are realistically on that kinda lower end of the scale, which is absolutely fine for your age and stage. That balanced environment suit... Someone who has about three years before they're wanting to access their super, which is absolutely okay.\n\nWe know with the likelihood of a negative return, it's expected around one in sort of every seven years. So it is relatively lower risk. There is always a level of risk involved with investing in the markets, but you are kind of on that lower side there. Does that still feel fairly appropriate to you? I mean, you you absolutely could.\n\nWe could look at increasing it a little bit more. Alternatively, if you wanted to, we could maybe keep you where you are for now. Just see how things track over maybe the next... Towards your next review, and then maybe see where things are at once you've kinda got that settlement in your work. You see the money coming in on a regular basis.\n\nThe contributions are starting to go in, and we kinda get a bit of an idea of where things are heading towards. I kind of... I'm happy to move you up now if you'd really like to take on a little bit more risk, but I'm also kind of wary that taking on more risk means the likelihood of a negative return increases as well. So looking for regular, steady compounding returns is what we're kind of after with super. We wanna kinda build it and compound it over time.\n\nWe're not gonna get, you know, really amazing returns without that downside risk as well. What's your thoughts? Do you have more questions there? Is... What's within your comfort level?\n\nYep. Yep. Yeah. That's okay. Yeah.\n\nYeah. Absolutely. That's not a problem at all. Look. What I'll probably do is I'll keep you in that balanced environment for the moment just so we get a bit more clarity around your income and see things kinda going in more regularly.\n\nI'll update the advice to reflect that. And then if you like, once we kinda come back from that Christmas break and your supersed had a bit of a chance to see some contributions going in to sort of go through a few months of ups and downs and we see what it's looking like, then we can always come back and review that and look to increase the risk level if you're comfortable to do so. Does that sound okay with you? Beautiful. Excellent.\n\nNow with your goal side of things, I can look at, obviously, 70 as you have mentioned. Would you also like me to maybe project out to say age 67, look at what we're projecting based on the advice, but then also maybe look at Centrelink at that time for you as well if appropriate. Does that sound like something you'd like me to maybe consider as an alternative? Yep. Beautiful.\n\nThat's okay. And you still got the investment property there as well. How's that going at the moment? Beautiful. Yep.\n\nYep. Yep. Beautiful. Not a problem at all. Excellent.\n\nAnd asset value on that investment property last time was around about 500,000. Would you alter or change that or keep it the same? That's... You'll find the asset value. So the value of the investment property we have sitting at 500,000, would you keep that the same or change it?\n\n$5.30. Beautiful. Excellent. Yeah. Yep.\n\nYep. Beautiful. And then I have down here you have a loan on that property of 480,000 as well. Is that still correct? Yeah.\n\nBeautiful. And rent on that, we were... Oh, has it? Roughly, what do you think it might be at the moment? $4.65.\n\nNot a problem at all. And rent on that one you're receiving was about 600 per week. Is that still fairly accurate? Yep. Beautiful.\n\nLovely. And then it's negatively geared, that property as well, isn't it? Yep. Beautiful. Yeah.\n\nYeah. Absolutely. Absolutely. So I'll note that down there. What is your...\n\nDo you know what your pay or what is required to be paid on the loan for that investment property on a regular basis? And that's per month? Per month. Lovely. And do you know what the interest rate is on that property currently?\n\n4.60. Beautiful. Excellent. And do you have any kind of idea as to what the regular management costs are that you're paying on that property? Or if you don't know, that's okay.\n\n$50 per week or per month? Or per week? That's okay. You... That's okay.\n\nAnd when you think about other costs for the per week, lovely. And other costs that you are sort of paying for the property, things like... Sorry. Rates, taxes, and things like that. What do you average that would be per year?\n\nSo, like, insurances, rates at about 3,000. Beautiful. That's a year. A $180 per week or... So...\n\nYeah. Okay. Beautiful. Lovely. Just to factor those in, is there any other cost that you're outlying for the investment property that I haven't sort of factored in sitting here at the moment?\n\nBeautiful. Thank you for that. Just the other thing to look at here is the cash savings. Now you did have sort of 15,000 sitting in cash savings. I know you've taken some money out and had quite a lot going on.\n\nDo you still have anything sitting in savings at the moment? Yep. No. That's okay. So I'll change it to super account.\n\nBeautiful. I've got your main primary residence sitting here, and the value on that last time was 680,000. Would you change or alter that value? Nope. That's okay.\n\nAnd then I've got down here your electric car as well, which had a value of 40,000. Would you change or alter that value at all? No. Beautiful. Is there any other assets or liabilities that I haven't got noted that you might want me to note down here?\n\nNo. Oh, beautiful. Let's note that down. Hopefully, the sun comes out so you can ride it. Oh, is it?\n\nNo. It's horrible and wet and rainy here at the moment. Oh, hopefully, our sun comes back out. We were lucky over the weekend. So I'll take the rain for the week, and then, hopefully, the sun comes back out for us for the weekend there.\n\nYeah. Yes. Yep. It was crazy, wasn't it? Yeah.\n\nAbsolutely. Beautiful. So just to kind of recap there, I've updated your strategy. We'll look at just the additional contributions going in. I'm sorry.\n\nI'm... The client did cut out for me before. I'm sort of thinking about, at the moment, we don't sort of revisit that trends, your time, and strategy. Just with the the changes in your income, it might not work very well. Did you want me to kinda go back and reassess it and maybe see if that TTR strategy can work for you, or are you happy just to maybe look at putting the contributions back in?\n\nWhat's more... What's preferred to yourself, Vivian? Yep. Yeah. Yeah.\n\nLet's maybe review that after Christmas when you have a little bit more of an idea of what your income is because at the moment, you're still sort of getting it all sorted, building it up. It's a little... Probably a little bit more sporadic than what you, you know, would be getting on a regular basis. Let's sort of re... Just update the strategy now to simplify things for you.\n\nMake sure your super is working, get those contributions back in, and then we maybe meet after Christmas again. We review the TTR side of things. We look at how your regular income is affecting you, and then also look at the risk profiling and see what your sleep has been doing. We kinda bring it back a little bit and just sort of do little stages. Does that sound okay for you?\n\nYep. Beautiful. Excellent. I'm noting here that super contributions were basing income on gross 1,100 per week, and you're putting away 25% of that on a weekly basis for super contributions. Yep.\n\nAnd when you get the rebate back from the, from the surgery, do you know how much that's expected to be? No. That's okay. Straight. That's okay.\n\nWe'll just work on the contribution side of things. That way, that additional can just be noted. If you let me know when you are ready to put that in just so I can, keep an eye on that for you. Absolutely fine. Just looking at the other details here.\n\nSo now you're working in NDIS now? Yep. Yep. Wow. That's a very big job.\n\nMy mom's an aged care nurse, and that's a very... It's a very demanding role. Yep. Yep. Yeah.\n\nAbsolutely. Yeah. Beautiful. That's fantastic. And how many hours are you averaging working at the moment?\n\nOkay. Beautiful. And that's... Yep. Okay.\n\nAnd that's the five days a week? Yep. Beautiful. Excellent. And just double checking anything else I've got down here now.\n\nWe sort of went over your estate planning. A while ago, you were still happy with everything there. I had noted here that if you pass away, you want your super to be paid as a death benefit to your three sons, and you've still got your will and power of attorney. Yep. Absolutely.\n\nWhat would you like me to have noted there? Mhmm. Yep. Mhmm. Yep.\n\nPerfect. So what... The way we could definitely look at doing this is with your super beneficiary, I would probably look at nominating your legal personal representative. So in the event that something occurs, all your super money is directed straight through to your estate. It also works well because all three of your kids are technically nontax dependent.\n\nThen in your will, just speak to a solicitor and get that updated so that the portion that goes to your two children that are, you know, able and capable of handling the money is allocated in a certain percentage. And then noted that the the portion that you want paid to your son that does have those extra needs and that you want those conditions to be applied, that all can be set up to your trust via your will. So you can add those conditions. You can have the money paid into a trust and paid out to him at a certain point in time utilizing conditions, and you nominate someone else to be the executor of that trust or the trustee of that trust, whether it be your other two children or another person, and they will be the ones that handle that money on his behalf. And all that gets done through your solicitor, so it can definitely be done that way.\n\nYeah. Excellent. Lovely. I've got down here next two years looking at doing the aged care side of things, and you're doing that now, which is fantastic. So you've had those changes.\n\nIs there any other goals, sorry, down the track that you wanted me to sort of take into account for you? Or... Beautiful. Absolutely. Well, I've got basically everything I need at the moment.\n\nIf there is anything additional that we need to sort of factor in, I will do so. I will, sorry, also note down... I'm just double checking the fax line just to reconfirm. There's nothing additional we need to sort of note in there. Everything looks really good otherwise.\n\nYour sweeper has been working really nicely, really happy with what's happening. Obviously, that with that came out for the 15,000 has affected the returns there. But when I have a look at the returns from when you came on board in April up until that withdrawal was deducted, your super had made a bit of a $14,000. So it does essentially mean that that 15 thousand dollar withdrawal was essentially just the growth, which meant the capital was still almost fully intact there. So that is good.\n\nYou made what you needed, and we'll make... We can make that back. You'll never get to the position you were without the withdrawal, but we can look to make that back and kinda keep it growing. I... Just with the tax side of things, so you mentioned you're putting away that 25% for super.\n\nAre you putting away an additional amount for the tax, or is that included in that 25%? Additional? How much are you putting away for the taxation side of things for that money? Or is that... Yep.\n\nYep. Beautiful. No. Of course not. Absolutely.\n\nAbsolutely. And did you want me to, as part of the advice, look at the best way to make those contributions? Because they are being contributed out of your bank account, we can do it in a way that might be more tax effective for you. Did you want me to look at that for the contributions? Yep.\n\nBeautiful. I can factor that in for you. Is there anything else that might be important that I may not have asked or have I missed anything that might be important to you to discuss today? No. Uh-huh.\n\nOf course. No. You never have to apologize. That's why I always send a text message after because I know you are busy. You've had a lot going on, a lot of changes coming up.\n\nSo it's really great to be able to update things and have a look at everything for you. I do want to, before I let you go, just rebook you in to sort of touch base in the next couple of weeks to go through the updated advice document for you there, Vivian. Is there generally a day or time that suits you best moving forward? Yeah. Absolutely.\n\nAnd we normally touch base 08:30 Queensland time. Absolutely. So let's have a look where... In October, I could do for you, say, in two weeks. So Monday, October 19, if you like.\n\nWould that suit you at all? Beautiful. Just to go back, I'll do the research and get the advice document done up. I'll give you a call at 08:30AM Queensland time on the October 19. I'll send you the calendar invite so that it comes through...\n\nThe invite today... The call comes through to let you know, and I'll add a text message reminder in there as well. So I'll send you a message an hour prior to let you know I'll be calling. If you missed the call, that's okay. Same as today.\n\nI'll send you a text message so you can call me back when you're available. Okay? That's okay. Not a problem at all, Vivian. If I do need anything additional, I'll come back and double check with you.\n\nBut at the moment, we've got everything we need to be able to move forward and update this strategy for you. Okay. Oh, not a problem. Enjoy your week. I hope you have a good day.\n\nThanks, Vivian. I'll talk to you soon. Thanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":1.1999999,"end":1.4399999,"sentiment":"neutral","sentiment_score":0.17915818095207214},{"text":"Good morning, Vivian.","start":1.4399999,"end":2.48,"sentiment":"positive","sentiment_score":0.3964090744654338},{"text":"This is Dana.","start":2.48,"end":3.12,"sentiment":"neutral","sentiment_score":0.3260796169439952},{"text":"How are you today?","start":3.12,"end":4.18,"sentiment":"positive","sentiment_score":0.35707618296146393},{"text":"I'm very well.","start":7.3599997,"end":8.24,"sentiment":"positive","sentiment_score":0.6078250805536906}],"sentiment":"positive","sentiment_score":0.3998860163348062,"num_words":14,"start":1.1999999,"end":8.24},{"sentences":[{"text":"Thank you.","start":8.24,"end":8.559999,"sentiment":"positive","sentiment_score":0.6870052814483643},{"text":"Thanks for returning my call.","start":8.559999,"end":10.26,"sentiment":"positive","sentiment_score":0.5960241913795471},{"text":"Vivian, I had you booked in this morning for a bit of a catch up and a review.","start":10.639999,"end":14.34,"sentiment":"neutral","sentiment_score":0.14181680687599713},{"text":"That's that's...","start":15.015,"end":22.215,"sentiment":"neutral","sentiment_score":-0.00853646174073219},{"text":"It looks like...","start":22.215,"end":23.115,"sentiment":"neutral","sentiment_score":-0.03700563311576843}],"sentiment":"neutral","sentiment_score":0.2259581406911214,"num_words":30,"start":8.24,"end":23.115},{"sentences":[{"text":"It is honestly up to you.","start":23.335,"end":25.175,"sentiment":"neutral","sentiment_score":-0.013905697502195835},{"text":"Do you have time to sort of go through things?","start":25.175,"end":27.015,"sentiment":"neutral","sentiment_score":0.002887675166130066},{"text":"I'd definitely love to have a bit of a catch up with you and see how everything's going, look at maybe updating the advice and seeing how things are tracking for you.","start":27.015,"end":34.64,"sentiment":"neutral","sentiment_score":0.21841999050229788},{"text":"But just wanted to make sure that you've got enough time for it as well.","start":34.94,"end":37.739998,"sentiment":"neutral","sentiment_score":0.08269724821050962},{"text":"It sounds like you're driving at the moment.","start":37.739998,"end":39.6,"sentiment":"neutral","sentiment_score":0.0619486290961504}],"sentiment":"neutral","sentiment_score":0.12212577491054233,"num_words":71,"start":23.335,"end":39.6},{"sentences":[{"text":"Oh, fantastic.","start":44.114998,"end":45.095,"sentiment":"positive","sentiment_score":0.557159960269928},{"text":"Lovely.","start":45.395,"end":45.895,"sentiment":"positive","sentiment_score":0.4701189994812012},{"text":"Just sort of touching base with last time, so last conversation there, and I know you've taken the extra funds out as a bit of a buffer for that 15,000 withdrawal.","start":46.195,"end":54.455,"sentiment":"neutral","sentiment_score":0.1625740191628856},{"text":"How's everything been going since...","start":55.58,"end":57.260002,"sentiment":"neutral","sentiment_score":0.03820040486752987},{"text":"I know you were looking at getting a new job and studying, and there was a lot happening at the time that we spoke last time.","start":57.260002,"end":62.78,"sentiment":"neutral","sentiment_score":0.0018121693283319473}],"sentiment":"neutral","sentiment_score":0.10557464524530448,"num_words":65,"start":44.114998,"end":62.78},{"sentences":[{"text":"What's been...","start":62.78,"end":63.6,"sentiment":"neutral","sentiment_score":0.001700042455922812},{"text":"What's changed in your life so 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a problem at all.","start":153.86,"end":154.98,"sentiment":"positive","sentiment_score":0.5059110343456268},{"text":"So just sort of looking forward with those extra contributions there, I'm happy to send you the information so that you can contribute the funds back into super.","start":154.98,"end":163.795,"sentiment":"positive","sentiment_score":0.521955346422536}],"sentiment":"positive","sentiment_score":0.499364438570208,"num_words":36,"start":149.54,"end":163.795},{"sentences":[{"text":"Not a problem.","start":163.795,"end":164.61499,"sentiment":"neutral","sentiment_score":0.14546446005503336},{"text":"Would you like me just to update the advice?","start":164.915,"end":167.09499,"sentiment":"neutral","sentiment_score":0.037636190031965576},{"text":"That's okay.","start":167.555,"end":168.11499,"sentiment":"neutral","sentiment_score":0.12458956986665726},{"text":"Would you like me to also maybe update the advice to reflect the regular contribution going in, how that can look for you, and just sorta update the advice strategy to reflect those changes in your circumstances, or are you happy just to recontribute the money back?","start":168.11499,"end":182.27,"sentiment":"neutral","sentiment_score":0.08334324130431768},{"text":"What would you prefer me to do?","start":182.27,"end":184.05,"sentiment":"neutral","sentiment_score":-0.009394116566649504}],"sentiment":"neutral","sentiment_score":0.0717010552282719,"num_words":68,"start":163.795,"end":184.05},{"sentences":[{"text":"Yeah.","start":186.175,"end":186.675,"sentiment":"neutral","sentiment_score":0.28459298610687256},{"text":"Beautiful.","start":189.135,"end":189.635,"sentiment":"positive","sentiment_score":0.5193326473236084},{"text":"Yeah.","start":200.91,"end":201.41,"sentiment":"neutral","sentiment_score":0.12922939658164978},{"text":"Absolutely.","start":201.47,"end":201.97,"sentiment":"neutral","sentiment_score":0.16780690848827362},{"text":"Not a problem at all.","start":202.75,"end":203.87,"sentiment":"neutral","sentiment_score":0.16220139861106872}],"sentiment":"neutral","sentiment_score":0.2124409923950831,"num_words":9,"start":186.175,"end":203.87},{"sentences":[{"text":"Well, what I'll do now, the...","start":203.87,"end":205.23,"sentiment":"neutral","sentiment_score":0.02732939754302303},{"text":"You're technically just a sole trader at the moment.","start":205.23,"end":208.67,"sentiment":"neutral","sentiment_score":0.019598834080776822},{"text":"So you're setting aside a certain amount of money for your contributions.","start":208.67,"end":211.89,"sentiment":"neutral","sentiment_score":0.048102721106261015},{"text":"Is it a certain percentage that you're setting aside for your regular contributions in the super?","start":212.68501,"end":217.585,"sentiment":"neutral","sentiment_score":0.04420981020666659},{"text":"Yep.","start":220.365,"end":220.68501,"sentiment":"neutral","sentiment_score":0.030972188338637352}],"sentiment":"neutral","sentiment_score":0.03763472038421738,"num_words":44,"start":203.87,"end":220.68501},{"sentences":[{"text":"What percentage is just for the contributions?","start":220.68501,"end":222.705,"sentiment":"neutral","sentiment_score":0.018569741930280412},{"text":"25% for super contributions.","start":226.98,"end":229.32,"sentiment":"neutral","sentiment_score":0.0652995090931654},{"text":"Beautiful.","start":229.86,"end":230.36,"sentiment":"neutral","sentiment_score":0.3214048743247986},{"text":"And what are you sort of estimating your income should be this year, do you think?","start":231.38,"end":235.86,"sentiment":"neutral","sentiment_score":0.06409847736358643},{"text":"Or what is your regular income looking like at the moment?","start":235.86,"end":238.84,"sentiment":"neutral","sentiment_score":0.017265147952870888}],"sentiment":"neutral","sentiment_score":0.04943803511559963,"num_words":39,"start":220.68501,"end":238.84},{"sentences":[{"text":"Mhmm.","start":250.325,"end":250.825,"sentiment":"neutral","sentiment_score":0.07015225291252136},{"text":"Yep.","start":252.42,"end":252.92,"sentiment":"neutral","sentiment_score":0.06006896495819092},{"text":"Yep.","start":254.9,"end":255.4,"sentiment":"neutral","sentiment_score":0.04232928156852722},{"text":"1,100 per week.","start":275.395,"end":276.93,"sentiment":"neutral","sentiment_score":0.007719755948831637},{"text":"Yep.","start":277.16998,"end":277.65,"sentiment":"neutral","sentiment_score":0.14345620572566986}],"sentiment":"neutral","sentiment_score":0.04845228185877204,"num_words":7,"start":250.325,"end":277.65},{"sentences":[{"text":"Beautiful.","start":277.65,"end":278.13,"sentiment":"positive","sentiment_score":0.47431033849716187},{"text":"And then there's also tax to consider on top of that.","start":278.13,"end":280.69,"sentiment":"neutral","sentiment_score":0.09947395832701163},{"text":"So that would be your gross weekly income.","start":280.69,"end":283.03,"sentiment":"neutral","sentiment_score":0.05502037005499005},{"text":"Beautiful.","start":289.09,"end":289.59,"sentiment":"neutral","sentiment_score":0.06533169746398926},{"text":"Worst income.","start":291.875,"end":292.755,"sentiment":"neutral","sentiment_score":-0.15083736181259155}],"sentiment":"neutral","sentiment_score":0.07705842671187027,"num_words":23,"start":277.65,"end":292.755},{"sentences":[{"text":"Beautiful.","start":292.755,"end":293.255,"sentiment":"neutral","sentiment_score":0.2416498363018036},{"text":"I can use that as a bit of a base to have a look at the numbers.","start":293.315,"end":296.19498,"sentiment":"neutral","sentiment_score":0.2545098311760846},{"text":"Absolutely perfectly fine.","start":296.19498,"end":297.815,"sentiment":"positive","sentiment_score":0.4558132092158},{"text":"And are you still sort of thinking...","start":298.275,"end":299.63498,"sentiment":"neutral","sentiment_score":0.04391823948494026},{"text":"I know one of the things we talked about was that you were looking to sort of continue working until, you know, sort of your late sixties.","start":299.63498,"end":307.56998,"sentiment":"neutral","sentiment_score":-0.009197277672312877}],"sentiment":"neutral","sentiment_score":0.10899741405790503,"num_words":55,"start":292.755,"end":307.56998},{"sentences":[{"text":"When you sort of think about when you might wanna stop working fully and fully retire and draw an income out of your super, what kinda age are you sort of thinking now might be your 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okay.","start":346.12997,"end":346.94998,"sentiment":"neutral","sentiment_score":0.1586473286151886},{"text":"Yeah.","start":359.955,"end":360.455,"sentiment":"neutral","sentiment_score":0.06194181740283966},{"text":"Yeah.","start":360.72,"end":360.88,"sentiment":"neutral","sentiment_score":0.06670039892196655}],"sentiment":"neutral","sentiment_score":0.09081565340360005,"num_words":6,"start":344.84998,"end":360.88},{"sentences":[{"text":"Absolutely.","start":360.88,"end":361.12,"sentiment":"neutral","sentiment_score":0.04606517404317856},{"text":"No.","start":361.12,"end":361.2,"sentiment":"neutral","sentiment_score":-0.07508645206689835},{"text":"That's okay.","start":361.2,"end":361.84,"sentiment":"neutral","sentiment_score":-0.05633747763931751},{"text":"Well, what I'm sort of thinking is I know one of the things we talked about last time was looking at that trends your retirement strategy.","start":361.84,"end":367.46,"sentiment":"neutral","sentiment_score":-0.10860440049033898},{"text":"With your work and how it has sort of changed, it does sort of feel like that might not be appropriate to sort of follow through with at the moment.","start":368.16,"end":374.64,"sentiment":"neutral","sentiment_score":-0.2475919470191002}],"sentiment":"neutral","sentiment_score":-0.17321948427706957,"num_words":60,"start":360.88,"end":374.64},{"sentences":[{"text":"So I might just look at the advice and look at the contributions going in.","start":374.64,"end":379.085,"sentiment":"neutral","sentiment_score":-0.045293568074703215},{"text":"Does that sound okay with you?","start":379.78497,"end":381.22498,"sentiment":"neutral","sentiment_score":0.31528404851754505},{"text":"Did you want me to reassess and maybe see if that transfer time strategy might still work for you based on your current income?","start":381.22498,"end":387.645,"sentiment":"neutral","sentiment_score":0.16549909176925817},{"text":"Yeah.","start":407.955,"end":408.455,"sentiment":"neutral","sentiment_score":-0.005710458382964134},{"text":"Yeah.","start":408.995,"end":409.475,"sentiment":"neutral","sentiment_score":0.0003303252160549164}],"sentiment":"neutral","sentiment_score":0.11018933700595765,"num_words":47,"start":374.64,"end":409.475},{"sentences":[{"text":"No.","start":409.475,"end":409.715,"sentiment":"neutral","sentiment_score":-0.00433015450835228},{"text":"Absolutely.","start":409.715,"end":410.215,"sentiment":"neutral","sentiment_score":0.1590881198644638},{"text":"Yes.","start":414.44998,"end":414.77,"sentiment":"neutral","sentiment_score":0.09578201174736024},{"text":"So sorry.","start":414.77,"end":415.41,"sentiment":"neutral","sentiment_score":-0.09625331684947014},{"text":"The phone just cut out.","start":415.41,"end":416.28998,"sentiment":"neutral","sentiment_score":-0.26954151391983033}],"sentiment":"neutral","sentiment_score":-0.128967422619462,"num_words":10,"start":409.475,"end":416.28998},{"sentences":[{"text":"I do apologize there, Vivian.","start":416.28998,"end":417.72998,"sentiment":"neutral","sentiment_score":-0.13282429277896882},{"text":"So having a look at that at the moment.","start":417.72998,"end":419.65,"sentiment":"neutral","sentiment_score":-0.010167003919680914},{"text":"Now when we sort of did the advice last time, we put you into a risk category, and that was more balanced.","start":419.65,"end":427.59,"sentiment":"neutral","sentiment_score":0.025787144899368286},{"text":"So that's sort of more on the lowest sort of end of the scale when you think about risk out of a number between one and five, five obviously being the highest level of risk, one being the lowest, you're sort of sitting at around about a two there.","start":427.65,"end":440.54498,"sentiment":"neutral","sentiment_score":0.01933870417046912},{"text":"So it isn't the highest level of risk.","start":440.54498,"end":443.56,"sentiment":"neutral","sentiment_score":-0.05776202259585261}],"sentiment":"neutral","sentiment_score":0.0031956237870999563,"num_words":93,"start":416.28998,"end":443.56},{"sentences":[{"text":"It sees about 60% of your super invested in growth assets, so, like, shares, and then the other sort of 40% in lower risk defensive investments.","start":443.62,"end":454.82,"sentiment":"neutral","sentiment_score":0.06603363371239258},{"text":"Think about things like cash, bonds, and fixed interest there.","start":454.82,"end":457.685,"sentiment":"neutral","sentiment_score":0.09247857294976711},{"text":"So you are realistically on that kinda lower end of the scale, which is absolutely fine for your age and stage.","start":457.685,"end":463.225,"sentiment":"neutral","sentiment_score":0.2290955242656526},{"text":"That balanced environment suit...","start":463.685,"end":465.445,"sentiment":"neutral","sentiment_score":0.10577772371470928},{"text":"Someone who has about three years before they're wanting to access their super, which is absolutely okay.","start":465.445,"end":470.585,"sentiment":"neutral","sentiment_score":0.016735194031806552}],"sentiment":"neutral","sentiment_score":0.10461891549997605,"num_words":78,"start":443.62,"end":470.585},{"sentences":[{"text":"We know with the likelihood of a negative return, it's expected around one in sort of every seven years.","start":471.47,"end":477.15,"sentiment":"neutral","sentiment_score":-0.2075804762150112},{"text":"So it is relatively lower risk.","start":477.15,"end":479.57,"sentiment":"neutral","sentiment_score":0.013309583067893982},{"text":"There is always a level of risk involved with investing in the markets, but you are kind of on that lower side there.","start":479.71,"end":485.73,"sentiment":"neutral","sentiment_score":-0.08706522004111954},{"text":"Does that still feel fairly appropriate to you?","start":485.85498,"end":488.595,"sentiment":"neutral","sentiment_score":-0.009556868113577366},{"text":"I mean, you you absolutely could.","start":490.01498,"end":492.975,"sentiment":"neutral","sentiment_score":0.0880391113460064}],"sentiment":"neutral","sentiment_score":-0.08733696592671256,"num_words":62,"start":471.47,"end":492.975},{"sentences":[{"text":"We could look at increasing it a little bit more.","start":492.975,"end":496.255,"sentiment":"neutral","sentiment_score":0.12583481296896934},{"text":"Alternatively, if you wanted to, we could maybe keep you where you are for now.","start":496.255,"end":500.35498,"sentiment":"neutral","sentiment_score":0.2096230536699295},{"text":"Just see how things track over maybe the next...","start":500.62,"end":503.36,"sentiment":"neutral","sentiment_score":0.14717258347405326},{"text":"Towards your next review, and then maybe see where things are at once you've kinda got that settlement in your work.","start":503.81998,"end":510.38,"sentiment":"neutral","sentiment_score":0.12131470228944506},{"text":"You see the money coming in on a regular basis.","start":510.38,"end":512.88,"sentiment":"neutral","sentiment_score":0.032246476784348485}],"sentiment":"neutral","sentiment_score":0.13226647233733765,"num_words":65,"start":492.975,"end":512.88},{"sentences":[{"text":"The contributions are starting to go in, and we kinda get a bit of an idea of where things are heading towards.","start":513.40497,"end":518.945,"sentiment":"neutral","sentiment_score":0.007002145221287554},{"text":"I kind of...","start":519.565,"end":520.46497,"sentiment":"neutral","sentiment_score":-0.02329057330886523},{"text":"I'm happy to move you up now if you'd really like to take on a little bit more risk, but I'm also kind of wary that taking on more risk means the likelihood of a negative return increases as well.","start":520.52496,"end":533.27,"sentiment":"neutral","sentiment_score":-0.01598309613764286},{"text":"So looking for regular, steady compounding returns is what we're kind of after with super.","start":533.27,"end":539.19,"sentiment":"neutral","sentiment_score":0.12453514536221823},{"text":"We wanna kinda build it and compound it over time.","start":539.19,"end":542.73004,"sentiment":"neutral","sentiment_score":0.15649829804897308}],"sentiment":"neutral","sentiment_score":0.03197624211510022,"num_words":90,"start":513.40497,"end":542.73004},{"sentences":[{"text":"We're not gonna get, you know, really amazing returns without that downside risk as well.","start":543.485,"end":549.265,"sentiment":"neutral","sentiment_score":0.06435698717832565},{"text":"What's your thoughts?","start":550.045,"end":551.08496,"sentiment":"neutral","sentiment_score":0.008163098866740862},{"text":"Do you have more questions there?","start":551.08496,"end":552.605,"sentiment":"neutral","sentiment_score":-0.001167969312518835},{"text":"Is...","start":552.605,"end":552.925,"sentiment":"neutral","sentiment_score":-0.00360843725502491},{"text":"What's within your comfort level?","start":552.925,"end":554.625,"sentiment":"neutral","sentiment_score":-0.044375518709421156}],"sentiment":"neutral","sentiment_score":0.025245008586595456,"num_words":30,"start":543.485,"end":554.625},{"sentences":[{"text":"Yep.","start":565.83,"end":566.33,"sentiment":"neutral","sentiment_score":-0.0890355333685875},{"text":"Yep.","start":580.725,"end":581.20496,"sentiment":"neutral","sentiment_score":0.018552130088210102},{"text":"Yeah.","start":581.20496,"end":581.52496,"sentiment":"neutral","sentiment_score":0.04690185934305191},{"text":"That's okay.","start":581.52496,"end":582.345,"sentiment":"neutral","sentiment_score":0.08269791677594185},{"text":"Yeah.","start":583.99,"end":584.49,"sentiment":"neutral","sentiment_score":0.0835532397031784}],"sentiment":"neutral","sentiment_score":0.03756125488628944,"num_words":6,"start":565.83,"end":584.49},{"sentences":[{"text":"Yeah.","start":585.11,"end":585.51,"sentiment":"neutral","sentiment_score":0.12447711825370789},{"text":"Absolutely.","start":585.51,"end":586.01,"sentiment":"neutral","sentiment_score":0.25359034538269043},{"text":"That's not a problem at all.","start":586.47003,"end":587.67,"sentiment":"neutral","sentiment_score":0.29409441848595935},{"text":"Look.","start":587.67,"end":587.83,"sentiment":"neutral","sentiment_score":0.1841435432434082},{"text":"What I'll probably do is I'll keep you in that balanced environment for the moment just so we get a bit more clarity around your income and see things kinda going in more regularly.","start":587.83,"end":595.53,"sentiment":"neutral","sentiment_score":0.25705358517520566}],"sentiment":"neutral","sentiment_score":0.25736277706401295,"num_words":43,"start":585.11,"end":595.53},{"sentences":[{"text":"I'll update the advice to reflect that.","start":596.32495,"end":598.08496,"sentiment":"neutral","sentiment_score":0.16632434406450816},{"text":"And then if you like, once we kinda come back from that Christmas break and your supersed had a bit of a chance to see some contributions going in to sort of go through a few months of ups and downs and we see what it's looking like, then we can always come back and review that and look to increase the risk level if you're comfortable to do so.","start":598.08496,"end":615.75,"sentiment":"neutral","sentiment_score":0.09612117397731969},{"text":"Does that sound okay with you?","start":615.75,"end":617.52997,"sentiment":"neutral","sentiment_score":0.1170124039053917},{"text":"Beautiful.","start":619.91,"end":620.41,"sentiment":"positive","sentiment_score":0.7476843595504761},{"text":"Excellent.","start":620.47,"end":620.94995,"sentiment":"positive","sentiment_score":0.6848495006561279}],"sentiment":"neutral","sentiment_score":0.11796895141768104,"num_words":85,"start":596.32495,"end":620.94995},{"sentences":[{"text":"Now with your goal side of things, I can look at, obviously, 70 as you have mentioned.","start":620.94995,"end":625.995,"sentiment":"neutral","sentiment_score":0.2143448106944561},{"text":"Would you also like me to maybe project out to say age 67, look at what we're projecting based on the advice, but then also maybe look at Centrelink at that time for you as well if appropriate.","start":625.995,"end":636.81494,"sentiment":"neutral","sentiment_score":0.01659484994352648},{"text":"Does that sound like something you'd like me to maybe consider as an alternative?","start":636.875,"end":640.36,"sentiment":"neutral","sentiment_score":0.007444104445832116},{"text":"Yep.","start":643.14,"end":643.62,"sentiment":"neutral","sentiment_score":0.30666059255599976},{"text":"Beautiful.","start":643.62,"end":644.12,"sentiment":"positive","sentiment_score":0.5598846077919006}],"sentiment":"neutral","sentiment_score":0.07387646115844099,"num_words":71,"start":620.94995,"end":644.12},{"sentences":[{"text":"That's okay.","start":644.18,"end":645.0,"sentiment":"positive","sentiment_score":0.33511097729206085},{"text":"And you still got the investment property there as well.","start":645.78,"end":648.42,"sentiment":"neutral","sentiment_score":0.08368945866823196},{"text":"How's that going at the moment?","start":648.42,"end":650.12,"sentiment":"neutral","sentiment_score":0.06106686778366566},{"text":"Beautiful.","start":654.035,"end":654.535,"sentiment":"neutral","sentiment_score":0.07470621913671494},{"text":"Yep.","start":657.39496,"end":657.89496,"sentiment":"neutral","sentiment_score":0.07727187871932983}],"sentiment":"neutral","sentiment_score":0.101274792291224,"num_words":20,"start":644.18,"end":657.89496},{"sentences":[{"text":"Yep.","start":672.13,"end":672.52997,"sentiment":"neutral","sentiment_score":-0.0013759329449385405},{"text":"Yep.","start":672.52997,"end":673.02997,"sentiment":"neutral","sentiment_score":-0.009776980616152288},{"text":"Beautiful.","start":678.105,"end":678.605,"sentiment":"neutral","sentiment_score":0.18541327118873596},{"text":"Not a problem at 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keep that the same or change it?","start":696.35,"end":702.29,"sentiment":"neutral","sentiment_score":0.004279517125160922}],"sentiment":"neutral","sentiment_score":0.030549569849801415,"num_words":51,"start":680.825,"end":702.29},{"sentences":[{"text":"$5.30.","start":705.87,"end":706.58997,"sentiment":"neutral","sentiment_score":0.00975055992603302},{"text":"Beautiful.","start":706.58997,"end":707.08997,"sentiment":"neutral","sentiment_score":0.2634897232055664},{"text":"Excellent.","start":707.55,"end":708.05,"sentiment":"neutral","sentiment_score":0.2723337709903717},{"text":"Yeah.","start":712.965,"end":713.465,"sentiment":"neutral","sentiment_score":0.049514710903167725},{"text":"Yep.","start":714.965,"end":715.465,"sentiment":"neutral","sentiment_score":0.032806798815727234}],"sentiment":"neutral","sentiment_score":0.1255791127681732,"num_words":5,"start":705.87,"end":715.465},{"sentences":[{"text":"Yep.","start":717.125,"end":717.625,"sentiment":"neutral","sentiment_score":0.08787897229194641},{"text":"Beautiful.","start":719.28503,"end":719.78503,"sentiment":"neutral","sentiment_score":0.19560444355010984},{"text":"And then I have down here you have a loan on that property of 480,000 as well.","start":720.405,"end":725.19,"sentiment":"neutral","sentiment_score":0.04623907716835246},{"text":"Is that still correct?","start":725.19,"end":726.32996,"sentiment":"neutral","sentiment_score":0.029526480939239264},{"text":"Yeah.","start":728.55,"end":729.02997,"sentiment":"neutral","sentiment_score":0.04598148167133331}],"sentiment":"neutral","sentiment_score":0.05140146388051411,"num_words":24,"start":717.125,"end":729.02997},{"sentences":[{"text":"Beautiful.","start":729.02997,"end":729.52997,"sentiment":"neutral","sentiment_score":0.09003289043903351},{"text":"And rent on that, we were...","start":730.38995,"end":732.00995,"sentiment":"neutral","sentiment_score":-0.005662064688901107},{"text":"Oh, has it?","start":733.02997,"end":733.82996,"sentiment":"neutral","sentiment_score":-0.003233152131239573},{"text":"Roughly, what do you think it might be at the moment?","start":733.82996,"end":736.17,"sentiment":"neutral","sentiment_score":-0.01735288929194212},{"text":"$4.65.","start":743.29504,"end":744.335,"sentiment":"neutral","sentiment_score":0.01458284817636013}],"sentiment":"neutral","sentiment_score":-0.005906267641958865,"num_words":22,"start":729.02997,"end":744.335},{"sentences":[{"text":"Not a problem at all.","start":744.335,"end":745.715,"sentiment":"neutral","sentiment_score":0.09445263147354126},{"text":"And rent on that one you're receiving was about 600 per week.","start":745.935,"end":749.61505,"sentiment":"neutral","sentiment_score":0.060384514120717846},{"text":"Is that still fairly accurate?","start":749.61505,"end":751.23505,"sentiment":"neutral","sentiment_score":0.0722213514149189},{"text":"Yep.","start":751.98,"end":752.46,"sentiment":"neutral","sentiment_score":0.10024114698171616},{"text":"Beautiful.","start":752.46,"end":752.96,"sentiment":"positive","sentiment_score":0.515106737613678}],"sentiment":"neutral","sentiment_score":0.09055549868692954,"num_words":24,"start":744.335,"end":752.96},{"sentences":[{"text":"Lovely.","start":753.9,"end":754.4,"sentiment":"neutral","sentiment_score":0.16209310293197632},{"text":"And then it's negatively geared, that property as well, isn't it?","start":754.78,"end":758.56,"sentiment":"negative","sentiment_score":-0.36451518400148913},{"text":"Yep.","start":760.54,"end":761.02,"sentiment":"neutral","sentiment_score":0.1523822844028473},{"text":"Beautiful.","start":761.02,"end":761.52,"sentiment":"positive","sentiment_score":0.3739515542984009},{"text":"Yeah.","start":761.74,"end":762.24,"sentiment":"neutral","sentiment_score":0.2404572069644928}],"sentiment":"neutral","sentiment_score":-0.20538552502791088,"num_words":15,"start":753.9,"end":762.24},{"sentences":[{"text":"Yeah.","start":765.435,"end":765.755,"sentiment":"neutral","sentiment_score":0.250862717628479},{"text":"Absolutely.","start":765.755,"end":766.255,"sentiment":"positive","sentiment_score":0.356747031211853},{"text":"Absolutely.","start":767.275,"end":767.775,"sentiment":"neutral","sentiment_score":0.21348269283771515},{"text":"So I'll note that down there.","start":769.275,"end":770.795,"sentiment":"neutral","sentiment_score":0.06994480391343434},{"text":"What is your...","start":770.795,"end":771.775,"sentiment":"neutral","sentiment_score":0.011585413478314877}],"sentiment":"neutral","sentiment_score":0.10629312546613316,"num_words":12,"start":765.435,"end":771.775},{"sentences":[{"text":"Do you know what your pay or what is required to be paid on the loan for that investment property on a regular basis?","start":772.395,"end":778.575,"sentiment":"neutral","sentiment_score":-0.0006434704409912229},{"text":"And that's per month?","start":788.23004,"end":789.53,"sentiment":"neutral","sentiment_score":-0.021137231029570103},{"text":"Per month.","start":791.855,"end":792.25494,"sentiment":"neutral","sentiment_score":0.004792252089828252},{"text":"Lovely.","start":792.25494,"end":792.495,"sentiment":"neutral","sentiment_score":0.20113828778266907},{"text":"And do you know what the interest rate is on that property currently?","start":792.495,"end":795.235,"sentiment":"neutral","sentiment_score":0.04728917247400834}],"sentiment":"neutral","sentiment_score":0.016488404986871916,"num_words":44,"start":772.395,"end":795.235},{"sentences":[{"text":"4.60.","start":798.01495,"end":799.615,"sentiment":"neutral","sentiment_score":0.04077716916799545},{"text":"Beautiful.","start":799.615,"end":800.115,"sentiment":"positive","sentiment_score":0.3881813883781433},{"text":"Excellent.","start":800.415,"end":800.915,"sentiment":"positive","sentiment_score":0.437497079372406},{"text":"And do you have any kind of idea as to what the regular management costs are that you're paying on that property?","start":802.175,"end":808.36005,"sentiment":"neutral","sentiment_score":0.04314194077795202},{"text":"Or if you don't know, that's okay.","start":808.36005,"end":809.98004,"sentiment":"neutral","sentiment_score":0.009171014119471823}],"sentiment":"neutral","sentiment_score":0.058742982277181,"num_words":32,"start":798.01495,"end":809.98004},{"sentences":[{"text":"$50 per week or per month?","start":817.16003,"end":819.4,"sentiment":"neutral","sentiment_score":-0.014153624108682076},{"text":"Or per week?","start":819.4,"end":825.365,"sentiment":"neutral","sentiment_score":-0.024506135533253353},{"text":"That's okay.","start":826.865,"end":827.685,"sentiment":"neutral","sentiment_score":-0.03564430773258209},{"text":"You...","start":829.185,"end":829.505,"sentiment":"neutral","sentiment_score":-0.01379457861185074},{"text":"That's okay.","start":829.505,"end":830.325,"sentiment":"neutral","sentiment_score":0.013258425984531641}],"sentiment":"neutral","sentiment_score":-0.015500463811414582,"num_words":14,"start":817.16003,"end":830.325},{"sentences":[{"text":"And when you think about other costs for the per week, lovely.","start":830.385,"end":834.485,"sentiment":"neutral","sentiment_score":0.04312188954403003},{"text":"And other costs that you are sort of paying for the property, things like...","start":835.46,"end":839.32,"sentiment":"neutral","sentiment_score":-0.013373996397214276},{"text":"Sorry.","start":840.66003,"end":841.06,"sentiment":"neutral","sentiment_score":-0.05949299782514572},{"text":"Rates, taxes, and things like that.","start":841.06,"end":843.48004,"sentiment":"neutral","sentiment_score":-0.0437612080325683},{"text":"What do you average that would be per year?","start":843.7,"end":846.04004,"sentiment":"neutral","sentiment_score":-0.02442141705089145}],"sentiment":"neutral","sentiment_score":-0.005038720821695668,"num_words":42,"start":830.385,"end":846.04004},{"sentences":[{"text":"So, like, insurances, rates at about 3,000.","start":846.10004,"end":849.84503,"sentiment":"neutral","sentiment_score":-0.004764971456357411},{"text":"Beautiful.","start":849.84503,"end":850.34503,"sentiment":"neutral","sentiment_score":0.18732090294361117},{"text":"That's a year.","start":852.565,"end":853.465,"sentiment":"neutral","sentiment_score":-0.0075707581515113516},{"text":"A $180 per week or...","start":857.445,"end":859.865,"sentiment":"neutral","sentiment_score":-0.00932683777064085},{"text":"So...","start":862.56,"end":862.8,"sentiment":"neutral","sentiment_score":-0.005875083617866039}],"sentiment":"neutral","sentiment_score":0.004632032695500291,"num_words":17,"start":846.10004,"end":862.8},{"sentences":[{"text":"Yeah.","start":862.8,"end":863.2,"sentiment":"neutral","sentiment_score":0.015229394659399986},{"text":"Okay.","start":863.2,"end":863.60004,"sentiment":"neutral","sentiment_score":0.05049432814121246},{"text":"Beautiful.","start":863.60004,"end":864.10004,"sentiment":"neutral","sentiment_score":0.3195168972015381},{"text":"Lovely.","start":864.4,"end":864.9,"sentiment":"neutral","sentiment_score":0.2611115574836731},{"text":"Just to factor those in, is there any other cost that you're outlying for the investment property that I haven't sort of factored in sitting here at the moment?","start":865.2,"end":872.42,"sentiment":"neutral","sentiment_score":0.011104274123650172}],"sentiment":"neutral","sentiment_score":0.0293447311233842,"num_words":33,"start":862.8,"end":872.42},{"sentences":[{"text":"Beautiful.","start":874.96,"end":875.44,"sentiment":"neutral","sentiment_score":0.1561325639486313},{"text":"Thank you for that.","start":875.44,"end":876.555,"sentiment":"neutral","sentiment_score":0.27960414066910744},{"text":"Just the other thing to look at here is the cash savings.","start":877.595,"end":879.915,"sentiment":"neutral","sentiment_score":0.00799668456117312},{"text":"Now you did have sort of 15,000 sitting in cash savings.","start":879.915,"end":883.035,"sentiment":"neutral","sentiment_score":-0.0031341321935707874},{"text":"I know you've taken some money out and had quite a lot going on.","start":883.035,"end":886.235,"sentiment":"neutral","sentiment_score":-0.0492990855127573}],"sentiment":"neutral","sentiment_score":0.015377302144077561,"num_words":42,"start":874.96,"end":886.235},{"sentences":[{"text":"Do you still have anything sitting in savings at the moment?","start":886.235,"end":889.375,"sentiment":"neutral","sentiment_score":-0.04459067400206219},{"text":"Yep.","start":893.98,"end":894.48,"sentiment":"neutral","sentiment_score":-0.012062309309840202},{"text":"No.","start":895.34,"end":895.5,"sentiment":"neutral","sentiment_score":-0.10531124472618104},{"text":"That's okay.","start":895.5,"end":896.38,"sentiment":"neutral","sentiment_score":-0.051018692553043365},{"text":"So I'll change it to super account.","start":896.38,"end":898.4,"sentiment":"neutral","sentiment_score":0.010641412876014198}],"sentiment":"neutral","sentiment_score":-0.02888265741057694,"num_words":22,"start":886.235,"end":898.4},{"sentences":[{"text":"Beautiful.","start":898.46,"end":898.96,"sentiment":"positive","sentiment_score":0.5999143123626709},{"text":"I've got your main primary residence sitting here, and the value on that last time was 680,000.","start":899.98,"end":906.815,"sentiment":"neutral","sentiment_score":0.16402748796869726},{"text":"Would you change or alter that value?","start":906.955,"end":909.055,"sentiment":"neutral","sentiment_score":0.03803978940205915},{"text":"Nope.","start":910.955,"end":911.355,"sentiment":"neutral","sentiment_score":-0.08873718976974487},{"text":"That's okay.","start":911.355,"end":912.175,"sentiment":"neutral","sentiment_score":0.003470594063401223}],"sentiment":"neutral","sentiment_score":0.1276022904286427,"num_words":28,"start":898.46,"end":912.175},{"sentences":[{"text":"And then I've got down here your electric car as well, which had a value of 40,000.","start":912.555,"end":917.935,"sentiment":"neutral","sentiment_score":-0.01620932375354802},{"text":"Would you change or alter that value at all?","start":918.075,"end":920.52,"sentiment":"neutral","sentiment_score":-0.04745076513952679},{"text":"No.","start":922.28,"end":922.68,"sentiment":"neutral","sentiment_score":-0.01359868422150612},{"text":"Beautiful.","start":922.68,"end":923.18,"sentiment":"neutral","sentiment_score":0.204861581325531},{"text":"Is there any other assets or liabilities that I haven't got noted that you might want me to note down here?","start":923.24,"end":929.34,"sentiment":"neutral","sentiment_score":-0.012043176440610773}],"sentiment":"neutral","sentiment_score":-0.015597126494180791,"num_words":49,"start":912.555,"end":929.34},{"sentences":[{"text":"No.","start":931.56,"end":932.06,"sentiment":"neutral","sentiment_score":-0.0656948834657669},{"text":"Oh, beautiful.","start":932.60004,"end":934.38,"sentiment":"neutral","sentiment_score":0.25833679735660553},{"text":"Let's note that down.","start":934.60004,"end":935.9,"sentiment":"neutral","sentiment_score":0.1447890717536211},{"text":"Hopefully, the sun comes out so you can ride it.","start":937.215,"end":939.555,"sentiment":"neutral","sentiment_score":0.14307907223701477},{"text":"Oh, is it?","start":942.415,"end":943.475,"sentiment":"neutral","sentiment_score":-0.016798530084391434}],"sentiment":"neutral","sentiment_score":0.1205265065189451,"num_words":20,"start":931.56,"end":943.475},{"sentences":[{"text":"No.","start":944.015,"end":944.415,"sentiment":"neutral","sentiment_score":-0.0922837257385254},{"text":"It's horrible and wet and rainy here at the moment.","start":944.415,"end":947.235,"sentiment":"neutral","sentiment_score":-0.32999937459826467},{"text":"Oh, hopefully, our sun comes back out.","start":951.73,"end":953.32996,"sentiment":"neutral","sentiment_score":0.20255347660609654},{"text":"We were lucky over the weekend.","start":953.32996,"end":954.85,"sentiment":"neutral","sentiment_score":0.26304851472377777},{"text":"So I'll take the rain for the week, and then, hopefully, the sun comes back out for us for the weekend there.","start":954.85,"end":959.58997,"sentiment":"neutral","sentiment_score":0.11836523376405239}],"sentiment":"neutral","sentiment_score":0.04799832816681136,"num_words":46,"start":944.015,"end":959.58997},{"sentences":[{"text":"Yeah.","start":968.325,"end":968.825,"sentiment":"neutral","sentiment_score":0.004615520127117634},{"text":"Yes.","start":971.125,"end":971.625,"sentiment":"neutral","sentiment_score":0.008615073747932911},{"text":"Yep.","start":972.80505,"end":973.30505,"sentiment":"neutral","sentiment_score":-0.01284419372677803},{"text":"It was crazy, wasn't it?","start":976.005,"end":978.08,"sentiment":"neutral","sentiment_score":-0.0864432506263256},{"text":"Yeah.","start":978.08,"end":978.48,"sentiment":"neutral","sentiment_score":0.04054872691631317}],"sentiment":"neutral","sentiment_score":-0.043475680674115814,"num_words":9,"start":968.325,"end":978.48},{"sentences":[{"text":"Absolutely.","start":978.48,"end":978.98,"sentiment":"neutral","sentiment_score":0.2553645372390747},{"text":"Beautiful.","start":980.48,"end":980.98,"sentiment":"positive","sentiment_score":0.35228508710861206},{"text":"So just to kind of recap there, I've updated your strategy.","start":981.2,"end":984.18,"sentiment":"neutral","sentiment_score":0.0615111616524783},{"text":"We'll look at just the additional contributions going in.","start":984.24,"end":987.62,"sentiment":"neutral","sentiment_score":0.03139442950487137},{"text":"I'm sorry.","start":988.16,"end":988.72,"sentiment":"neutral","sentiment_score":-0.0939769558608532}],"sentiment":"neutral","sentiment_score":0.0574528481811285,"num_words":24,"start":978.48,"end":988.72},{"sentences":[{"text":"I'm...","start":988.72,"end":989.175,"sentiment":"neutral","sentiment_score":-0.07962867617607117},{"text":"The client did cut out for me before.","start":989.255,"end":991.095,"sentiment":"neutral","sentiment_score":-0.16393744014203548},{"text":"I'm sort of thinking about, at the moment, we don't sort of revisit that trends, your time, and strategy.","start":991.095,"end":996.375,"sentiment":"neutral","sentiment_score":-0.14275872511299034},{"text":"Just with the the changes in your income, it might not work very well.","start":996.375,"end":1000.075,"sentiment":"neutral","sentiment_score":-0.24072644912770816},{"text":"Did you want me to kinda go back and reassess it and maybe see if that TTR strategy can work for you, or are you happy just to maybe look at putting the contributions back in?","start":1000.535,"end":1009.70996,"sentiment":"neutral","sentiment_score":0.05468386716933714}],"sentiment":"neutral","sentiment_score":-0.07057814159167883,"num_words":78,"start":988.72,"end":1009.70996},{"sentences":[{"text":"What's more...","start":1009.70996,"end":1010.26996,"sentiment":"neutral","sentiment_score":0.0017167710466310382},{"text":"What's preferred to yourself, Vivian?","start":1010.26996,"end":1012.12994,"sentiment":"neutral","sentiment_score":0.02504114620387554},{"text":"Yep.","start":1015.94995,"end":1016.44995,"sentiment":"neutral","sentiment_score":0.043008796870708466},{"text":"Yeah.","start":1020.175,"end":1020.41504,"sentiment":"neutral","sentiment_score":0.02311568707227707},{"text":"Yeah.","start":1020.41504,"end":1020.91504,"sentiment":"neutral","sentiment_score":0.021253615617752075}],"sentiment":"neutral","sentiment_score":0.021601737267337738,"num_words":10,"start":1009.70996,"end":1020.91504},{"sentences":[{"text":"Let's maybe review that after Christmas when you have a little bit more of an idea of what your income is because at the moment, you're still sort of getting it all sorted, building it up.","start":1022.175,"end":1031.715,"sentiment":"neutral","sentiment_score":0.024816839024424553},{"text":"It's a little...","start":1032.27,"end":1032.91,"sentiment":"neutral","sentiment_score":-0.00937595854823788},{"text":"Probably a little bit more sporadic than what you, you know, would be getting on a regular basis.","start":1032.91,"end":1037.0901,"sentiment":"neutral","sentiment_score":-0.037012951655520335},{"text":"Let's sort of re...","start":1037.15,"end":1038.35,"sentiment":"neutral","sentiment_score":-0.0028514563673525117},{"text":"Just update the strategy now to simplify things for you.","start":1038.35,"end":1041.5701,"sentiment":"neutral","sentiment_score":0.13287862204015255}],"sentiment":"neutral","sentiment_score":0.021358106962919995,"num_words":71,"start":1022.175,"end":1041.5701},{"sentences":[{"text":"Make sure your super is working, get those contributions back in, and then we maybe meet after Christmas again.","start":1041.87,"end":1047.0701,"sentiment":"neutral","sentiment_score":0.12651864635316948},{"text":"We review the TTR side of things.","start":1047.0701,"end":1049.085,"sentiment":"neutral","sentiment_score":0.08077914320996829},{"text":"We look at how your regular income is affecting you, and then also look at the risk profiling and see what your sleep has been doing.","start":1049.085,"end":1056.605,"sentiment":"neutral","sentiment_score":0.054648093306101285},{"text":"We kinda bring it back a little bit and just sort of do little stages.","start":1056.605,"end":1060.045,"sentiment":"neutral","sentiment_score":0.0793602555990219},{"text":"Does that sound okay for you?","start":1060.045,"end":1061.665,"sentiment":"neutral","sentiment_score":0.12204460427165031}],"sentiment":"neutral","sentiment_score":0.08647712559936797,"num_words":73,"start":1041.87,"end":1061.665},{"sentences":[{"text":"Yep.","start":1063.29,"end":1063.79,"sentiment":"positive","sentiment_score":0.3901139199733734},{"text":"Beautiful.","start":1063.8501,"end":1064.3501,"sentiment":"positive","sentiment_score":0.6479902267456055},{"text":"Excellent.","start":1064.5701,"end":1065.0701,"sentiment":"positive","sentiment_score":0.6165956258773804},{"text":"I'm noting here that super contributions were basing income on gross 1,100 per week, and you're putting away 25% of that on a weekly basis for super contributions.","start":1065.93,"end":1075.63,"sentiment":"neutral","sentiment_score":0.22714598583323614},{"text":"Yep.","start":1077.755,"end":1078.155,"sentiment":"neutral","sentiment_score":0.06836496293544769}],"sentiment":"neutral","sentiment_score":0.2525985105894506,"num_words":32,"start":1063.29,"end":1078.155},{"sentences":[{"text":"And when you get the rebate back from the, from the surgery, do you know how much that's expected to be?","start":1078.155,"end":1084.815,"sentiment":"neutral","sentiment_score":0.045598235158693226},{"text":"No.","start":1086.955,"end":1087.455,"sentiment":"neutral","sentiment_score":-0.05123903602361679},{"text":"That's okay.","start":1087.835,"end":1088.815,"sentiment":"neutral","sentiment_score":0.0026783309876918793},{"text":"Straight.","start":1093.47,"end":1093.87,"sentiment":"neutral","sentiment_score":0.10348476469516754},{"text":"That's okay.","start":1093.87,"end":1094.51,"sentiment":"neutral","sentiment_score":0.218787282705307}],"sentiment":"neutral","sentiment_score":0.05380518127370764,"num_words":27,"start":1078.155,"end":1094.51},{"sentences":[{"text":"We'll just work on the contribution side of things.","start":1094.51,"end":1096.59,"sentiment":"neutral","sentiment_score":0.22752664320998722},{"text":"That way, that additional can just be noted.","start":1096.59,"end":1098.99,"sentiment":"neutral","sentiment_score":0.23566861264407635},{"text":"If you let me know when you are ready to put that in just so I can, keep an eye on that for you.","start":1098.99,"end":1104.335,"sentiment":"neutral","sentiment_score":0.2175178018709024},{"text":"Absolutely fine.","start":1104.635,"end":1105.615,"sentiment":"positive","sentiment_score":0.3972504287958145},{"text":"Just looking at the other details here.","start":1107.195,"end":1108.955,"sentiment":"neutral","sentiment_score":0.1652022355369159}],"sentiment":"neutral","sentiment_score":0.22208864882588386,"num_words":50,"start":1094.51,"end":1108.955},{"sentences":[{"text":"So now you're working in NDIS now?","start":1108.955,"end":1111.455,"sentiment":"neutral","sentiment_score":0.07989227292793137},{"text":"Yep.","start":1114.635,"end":1115.135,"sentiment":"neutral","sentiment_score":0.010163537226617336},{"text":"Yep.","start":1123.0499,"end":1123.45,"sentiment":"neutral","sentiment_score":0.01407209411263466},{"text":"Wow.","start":1123.45,"end":1123.95,"sentiment":"neutral","sentiment_score":0.11244726181030272},{"text":"That's a very big job.","start":1125.13,"end":1127.15,"sentiment":"neutral","sentiment_score":-0.03924474567174911}],"sentiment":"neutral","sentiment_score":0.033313671685755254,"num_words":15,"start":1108.955,"end":1127.15},{"sentences":[{"text":"My mom's an aged care nurse, and that's a very...","start":1127.21,"end":1130.11,"sentiment":"neutral","sentiment_score":-0.04277175161987543},{"text":"It's a very demanding role.","start":1130.685,"end":1132.545,"sentiment":"neutral","sentiment_score":-0.20247837901115417},{"text":"Yep.","start":1139.5651,"end":1140.0651,"sentiment":"neutral","sentiment_score":-0.057828228920698166},{"text":"Yep.","start":1144.3651,"end":1144.8651,"sentiment":"neutral","sentiment_score":-0.0956677794456482},{"text":"Yeah.","start":1144.89,"end":1145.39,"sentiment":"neutral","sentiment_score":-0.05658748745918274}],"sentiment":"neutral","sentiment_score":-0.09167738372666968,"num_words":18,"start":1127.21,"end":1145.39},{"sentences":[{"text":"Absolutely.","start":1150.8975,"end":1151.3975,"sentiment":"neutral","sentiment_score":-0.0404786504805088},{"text":"Yeah.","start":1166.745,"end":1167.0651,"sentiment":"neutral","sentiment_score":0.15826886892318726},{"text":"Beautiful.","start":1167.0651,"end":1167.5651,"sentiment":"positive","sentiment_score":0.4871125817298889},{"text":"That's fantastic.","start":1167.7051,"end":1168.605,"sentiment":"positive","sentiment_score":0.5734118521213531},{"text":"And how many hours are you averaging working at the moment?","start":1169.385,"end":1172.605,"sentiment":"neutral","sentiment_score":0.062285890972072426}],"sentiment":"neutral","sentiment_score":0.1523044565692544,"num_words":16,"start":1150.8975,"end":1172.605},{"sentences":[{"text":"Okay.","start":1180.88,"end":1181.28,"sentiment":"neutral","sentiment_score":0.048199236392974854},{"text":"Beautiful.","start":1181.28,"end":1181.68,"sentiment":"neutral","sentiment_score":0.12386630475521088},{"text":"And that's...","start":1181.68,"end":1182.34,"sentiment":"neutral","sentiment_score":-0.0013639600947499275},{"text":"Yep.","start":1183.28,"end":1183.78,"sentiment":"neutral","sentiment_score":-0.0057595269754529},{"text":"Okay.","start":1185.28,"end":1185.6,"sentiment":"neutral","sentiment_score":0.004712168127298355}],"sentiment":"neutral","sentiment_score":0.02804837701842189,"num_words":6,"start":1180.88,"end":1185.6},{"sentences":[{"text":"And that's the five days a week?","start":1185.6,"end":1187.475,"sentiment":"neutral","sentiment_score":0.00886924990585872},{"text":"Yep.","start":1190.355,"end":1190.855,"sentiment":"neutral","sentiment_score":0.10121633112430573},{"text":"Beautiful.","start":1190.9149,"end":1191.4149,"sentiment":"positive","sentiment_score":0.3783529698848725},{"text":"Excellent.","start":1192.195,"end":1192.695,"sentiment":"positive","sentiment_score":0.4223659634590149},{"text":"And just double checking anything else I've got down here now.","start":1194.4349,"end":1197.715,"sentiment":"neutral","sentiment_score":0.16094029897993262}],"sentiment":"neutral","sentiment_score":0.1302077763137363,"num_words":21,"start":1185.6,"end":1197.715},{"sentences":[{"text":"We sort of went over your estate planning.","start":1197.715,"end":1199.655,"sentiment":"neutral","sentiment_score":0.04308989783748984},{"text":"A while ago, you were still happy with everything there.","start":1199.97,"end":1202.63,"sentiment":"neutral","sentiment_score":0.11746168211102485},{"text":"I had noted here that if you pass away, you want your super to be paid as a death benefit to your three sons, and you've still got your will and power of attorney.","start":1202.77,"end":1211.4299,"sentiment":"neutral","sentiment_score":0.007643180241917863},{"text":"Yep.","start":1212.735,"end":1213.235,"sentiment":"neutral","sentiment_score":0.046911366283893585},{"text":"Absolutely.","start":1213.295,"end":1213.795,"sentiment":"neutral","sentiment_score":0.061343416571617126}],"sentiment":"neutral","sentiment_score":0.034952942868349726,"num_words":54,"start":1197.715,"end":1213.795},{"sentences":[{"text":"What would you like me to have noted there?","start":1214.095,"end":1216.435,"sentiment":"neutral","sentiment_score":-0.0060679665249254965},{"text":"Mhmm.","start":1226.975,"end":1227.45,"sentiment":"neutral","sentiment_score":-0.09629862010478972},{"text":"Yep.","start":1235.7699,"end":1236.2699,"sentiment":"neutral","sentiment_score":-0.007212976925075054},{"text":"Mhmm.","start":1250.265,"end":1250.765,"sentiment":"neutral","sentiment_score":0.008301004767417908},{"text":"Yep.","start":1263.32,"end":1263.82,"sentiment":"neutral","sentiment_score":0.270352303981781}],"sentiment":"neutral","sentiment_score":0.009271539461154204,"num_words":13,"start":1214.095,"end":1263.82},{"sentences":[{"text":"Perfect.","start":1263.88,"end":1264.38,"sentiment":"positive","sentiment_score":0.5067176222801208},{"text":"So what...","start":1264.565,"end":1265.205,"sentiment":"neutral","sentiment_score":0.12372982501983643},{"text":"The way we could definitely look at doing this is with your super beneficiary, I would probably look at nominating your legal personal representative.","start":1265.205,"end":1274.585,"sentiment":"neutral","sentiment_score":0.15804514723519483},{"text":"So in the event that something occurs, all your super money is directed straight through to your estate.","start":1274.725,"end":1280.2999,"sentiment":"neutral","sentiment_score":0.17076759537061056},{"text":"It also works well because all three of your kids are technically nontax dependent.","start":1280.2999,"end":1284.64,"sentiment":"neutral","sentiment_score":0.24111048983676092}],"sentiment":"neutral","sentiment_score":0.18638346407373071,"num_words":59,"start":1263.88,"end":1284.64},{"sentences":[{"text":"Then in your will, just speak to a solicitor and get that updated so that the portion that goes to your two children that are, you know, able and capable of handling the money is allocated in a certain percentage.","start":1285.42,"end":1298.0549,"sentiment":"neutral","sentiment_score":0.13054180555045605},{"text":"And then noted that the the portion that you want paid to your son that does have those extra needs and that you want those conditions to be applied, that all can be set up to your trust via your will.","start":1298.6749,"end":1310.82,"sentiment":"neutral","sentiment_score":0.08998918742304896},{"text":"So you can add those conditions.","start":1310.82,"end":1312.36,"sentiment":"neutral","sentiment_score":0.09756742666165034},{"text":"You can have the money paid into a trust and paid out to him at a certain point in time utilizing conditions, and you nominate someone else to be the executor of that trust or the trustee of that trust, whether it be your other two children or another person, and they will be the ones that handle that money on his behalf.","start":1312.4199,"end":1332.0951,"sentiment":"neutral","sentiment_score":0.11928839863292755},{"text":"And all that gets done through your solicitor, so it can definitely be done that 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changes.","start":1351.5299,"end":1352.9099,"sentiment":"neutral","sentiment_score":0.27824113667011263}],"sentiment":"positive","sentiment_score":0.429521921556443,"num_words":32,"start":1337.1951,"end":1352.9099},{"sentences":[{"text":"Is there any other goals, sorry, down the track that you wanted me to sort of take into account for you?","start":1353.655,"end":1359.015,"sentiment":"neutral","sentiment_score":0.07368461237776847},{"text":"Or...","start":1359.015,"end":1359.515,"sentiment":"neutral","sentiment_score":0.03314809501171112},{"text":"Beautiful.","start":1359.575,"end":1360.075,"sentiment":"neutral","sentiment_score":0.19638776779174805},{"text":"Absolutely.","start":1364.135,"end":1364.635,"sentiment":"neutral","sentiment_score":0.08051139861345291},{"text":"Well, I've got basically everything I need at the moment.","start":1364.855,"end":1367.72,"sentiment":"neutral","sentiment_score":0.1135660506784916}],"sentiment":"neutral","sentiment_score":0.088031900827499,"num_words":34,"start":1353.655,"end":1367.72},{"sentences":[{"text":"If there is anything additional that we need to sort of factor in, I will do so.","start":1367.72,"end":1371.9,"sentiment":"neutral","sentiment_score":0.03730616548701244},{"text":"I will, sorry, also note down...","start":1372.76,"end":1375.4199,"sentiment":"neutral","sentiment_score":-0.01487115832666556},{"text":"I'm just double checking the fax line just to reconfirm.","start":1378.755,"end":1381.255,"sentiment":"neutral","sentiment_score":-0.008441799940192141},{"text":"There's nothing additional we need to sort of note in there.","start":1381.3151,"end":1383.875,"sentiment":"neutral","sentiment_score":0.006990007040175525},{"text":"Everything looks really good otherwise.","start":1383.875,"end":1385.575,"sentiment":"positive","sentiment_score":0.5544043242931366}],"sentiment":"neutral","sentiment_score":0.06754023597601858,"num_words":49,"start":1367.72,"end":1385.575},{"sentences":[{"text":"Your sweeper has been working really nicely, really happy with what's happening.","start":1385.955,"end":1389.495,"sentiment":"positive","sentiment_score":0.6881514092286428},{"text":"Obviously, that with that came out for the 15,000 has affected the returns there.","start":1389.955,"end":1394.53,"sentiment":"neutral","sentiment_score":-0.1145242810016498},{"text":"But when I have a look at the returns from when you came on board in April up until that withdrawal was deducted, your super had made a bit of a $14,000.","start":1394.53,"end":1405.5701,"sentiment":"neutral","sentiment_score":-0.03001746512018144},{"text":"So it does essentially mean that that 15 thousand dollar withdrawal was essentially just the growth, which meant the capital was still almost fully intact there.","start":1405.5701,"end":1413.655,"sentiment":"neutral","sentiment_score":0.1528237615353786},{"text":"So that is good.","start":1413.655,"end":1415.1951,"sentiment":"positive","sentiment_score":0.5365320816636086}],"sentiment":"neutral","sentiment_score":0.13424391158464874,"num_words":88,"start":1385.955,"end":1415.1951},{"sentences":[{"text":"You made what you needed, and we'll make...","start":1415.415,"end":1417.415,"sentiment":"positive","sentiment_score":0.37643612921237946},{"text":"We can make that back.","start":1417.415,"end":1418.4551,"sentiment":"neutral","sentiment_score":0.2678315341472626},{"text":"You'll never get to the position you were without the withdrawal, but we can look to make that back and kinda keep it growing.","start":1418.4551,"end":1423.89,"sentiment":"neutral","sentiment_score":0.29107262504597503},{"text":"I...","start":1425.31,"end":1425.81,"sentiment":"neutral","sentiment_score":0.017822925001382828},{"text":"Just with the tax side of things, so you mentioned you're putting away that 25% for super.","start":1426.11,"end":1431.3301,"sentiment":"neutral","sentiment_score":0.0050034923205042586}],"sentiment":"neutral","sentiment_score":0.20798676363615828,"num_words":55,"start":1415.415,"end":1431.3301},{"sentences":[{"text":"Are you putting away an additional amount for the tax, or is that included in that 25%?","start":1431.9501,"end":1437.49,"sentiment":"neutral","sentiment_score":-0.008521199445514119},{"text":"Additional?","start":1440.7849,"end":1441.2849,"sentiment":"neutral","sentiment_score":-0.03528042137622833},{"text":"How much are you putting away for the taxation side of things for that money?","start":1441.345,"end":1445.265,"sentiment":"neutral","sentiment_score":-0.03593797584374746},{"text":"Or is that...","start":1445.265,"end":1446.085,"sentiment":"neutral","sentiment_score":-0.02872879554828008},{"text":"Yep.","start":1450.465,"end":1450.965,"sentiment":"neutral","sentiment_score":0.002554540988057852}],"sentiment":"neutral","sentiment_score":-0.021698440412512503,"num_words":37,"start":1431.9501,"end":1450.965},{"sentences":[{"text":"Yep.","start":1454.44,"end":1454.94,"sentiment":"neutral","sentiment_score":0.01168968714773655},{"text":"Beautiful.","start":1456.76,"end":1457.26,"sentiment":"neutral","sentiment_score":0.1941995769739151},{"text":"No.","start":1464.6799,"end":1465.1799,"sentiment":"neutral","sentiment_score":-0.15993347764015198},{"text":"Of course not.","start":1465.32,"end":1466.46,"sentiment":"neutral","sentiment_score":-0.1218721220890681},{"text":"Absolutely.","start":1468.135,"end":1468.635,"sentiment":"neutral","sentiment_score":-0.11377125978469849}],"sentiment":"neutral","sentiment_score":-0.0619188342243433,"num_words":7,"start":1454.44,"end":1468.635},{"sentences":[{"text":"Absolutely.","start":1470.9349,"end":1471.4349,"sentiment":"neutral","sentiment_score":-0.0482230968773365},{"text":"And did you want me to, as part of the advice, look at the best way to make those contributions?","start":1471.975,"end":1476.315,"sentiment":"neutral","sentiment_score":0.014424354955554008},{"text":"Because they are being contributed out of your bank account, we can do it in a way that might be more tax effective for you.","start":1476.535,"end":1483.5299,"sentiment":"neutral","sentiment_score":0.0553271846473217},{"text":"Did you want me to look at that for the contributions?","start":1483.5299,"end":1486.11,"sentiment":"neutral","sentiment_score":0.005675248717042533},{"text":"Yep.","start":1487.45,"end":1487.9299,"sentiment":"neutral","sentiment_score":0.1524076908826828}],"sentiment":"neutral","sentiment_score":0.031694466296326496,"num_words":58,"start":1470.9349,"end":1487.9299},{"sentences":[{"text":"Beautiful.","start":1487.9299,"end":1488.4299,"sentiment":"neutral","sentiment_score":0.2726268172264099},{"text":"I can factor that in for you.","start":1488.6499,"end":1490.4299,"sentiment":"neutral","sentiment_score":0.17493209029947007},{"text":"Is there anything else that might be important that I may not have asked or have I missed anything that might be important to you to discuss today?","start":1490.6499,"end":1497.47,"sentiment":"neutral","sentiment_score":0.06858846086210438},{"text":"No.","start":1498.845,"end":1499.345,"sentiment":"neutral","sentiment_score":-0.3230074346065521},{"text":"Uh-huh.","start":1503.805,"end":1503.885,"sentiment":"neutral","sentiment_score":-0.13151128590106964}],"sentiment":"neutral","sentiment_score":0.0779765692882632,"num_words":38,"start":1487.9299,"end":1503.885},{"sentences":[{"text":"Of course.","start":1503.885,"end":1504.625,"sentiment":"neutral","sentiment_score":-0.046422265470027924},{"text":"No.","start":1506.365,"end":1506.685,"sentiment":"neutral","sentiment_score":0.015471745282411575},{"text":"You never have to apologize.","start":1506.685,"end":1508.145,"sentiment":"neutral","sentiment_score":0.008435368537902832},{"text":"That's why I always send a text message after because I know you are busy.","start":1508.285,"end":1511.165,"sentiment":"neutral","sentiment_score":0.030984663218259812},{"text":"You've had a lot going on, a lot of changes coming up.","start":1511.165,"end":1514.0199,"sentiment":"neutral","sentiment_score":0.06995495408773422}],"sentiment":"neutral","sentiment_score":0.03625809869595936,"num_words":35,"start":1503.885,"end":1514.0199},{"sentences":[{"text":"So it's really great to be able to update things and have a look at everything for you.","start":1514.0199,"end":1518.2,"sentiment":"positive","sentiment_score":0.6785631891753938},{"text":"I do want to, before I let you go, just rebook you in to sort of touch base in the next couple of weeks to go through the updated advice document for you there, Vivian.","start":1518.74,"end":1527.3999,"sentiment":"neutral","sentiment_score":0.17082820257970266},{"text":"Is there generally a day or time that suits you best moving forward?","start":1528.465,"end":1532.885,"sentiment":"neutral","sentiment_score":0.3017978576513437},{"text":"Yeah.","start":1536.065,"end":1536.5449,"sentiment":"neutral","sentiment_score":0.17244315147399902},{"text":"Absolutely.","start":1536.5449,"end":1537.0449,"sentiment":"neutral","sentiment_score":0.1847628355026245}],"sentiment":"neutral","sentiment_score":0.3304956269395702,"num_words":68,"start":1514.0199,"end":1537.0449},{"sentences":[{"text":"And we normally touch base 08:30 Queensland time.","start":1537.9049,"end":1542.51,"sentiment":"neutral","sentiment_score":0.07135267555713654},{"text":"Absolutely.","start":1545.13,"end":1545.63,"sentiment":"neutral","sentiment_score":0.12389301508665083},{"text":"So let's have a look where...","start":1545.85,"end":1548.11,"sentiment":"neutral","sentiment_score":0.06865776951114337},{"text":"In October, I could do for you, say, in two weeks.","start":1548.89,"end":1554.105,"sentiment":"neutral","sentiment_score":0.06646716120568189},{"text":"So Monday, October 19, if you like.","start":1554.1849,"end":1556.825,"sentiment":"neutral","sentiment_score":0.08747575857809611}],"sentiment":"neutral","sentiment_score":0.07424636727029627,"num_words":33,"start":1537.9049,"end":1556.825},{"sentences":[{"text":"Would that suit you at all?","start":1556.825,"end":1558.365,"sentiment":"neutral","sentiment_score":0.13119635730981827},{"text":"Beautiful.","start":1560.505,"end":1561.005,"sentiment":"positive","sentiment_score":0.6074581146240234},{"text":"Just to go back, I'll do the research and get the advice document done up.","start":1561.225,"end":1565.005,"sentiment":"neutral","sentiment_score":0.31681352655092876},{"text":"I'll give you a call at 08:30AM Queensland time on the October 19.","start":1565.225,"end":1569.63,"sentiment":"neutral","sentiment_score":0.11398580613044593},{"text":"I'll send you the calendar invite so that it comes through...","start":1569.63,"end":1574.11,"sentiment":"neutral","sentiment_score":0.10615345971150832}],"sentiment":"neutral","sentiment_score":0.19122484115802724,"num_words":46,"start":1556.825,"end":1574.11},{"sentences":[{"text":"The invite today...","start":1574.11,"end":1575.25,"sentiment":"neutral","sentiment_score":0.040515570590893425},{"text":"The call comes through to let you know, and I'll add a text message reminder in there as well.","start":1575.63,"end":1579.9501,"sentiment":"neutral","sentiment_score":0.13026276230812073},{"text":"So I'll send you a message an hour prior to let you know I'll be calling.","start":1579.9501,"end":1583.25,"sentiment":"neutral","sentiment_score":0.11655163951218128},{"text":"If you missed the call, that's okay.","start":1583.595,"end":1585.195,"sentiment":"neutral","sentiment_score":0.07690292650035449},{"text":"Same as today.","start":1585.195,"end":1585.915,"sentiment":"neutral","sentiment_score":0.21456738809744516}],"sentiment":"neutral","sentiment_score":0.11757058495034774,"num_words":48,"start":1574.11,"end":1585.915},{"sentences":[{"text":"I'll send you a text message so you can call me back when you're available.","start":1585.915,"end":1589.375,"sentiment":"neutral","sentiment_score":0.1509802410999934},{"text":"Okay?","start":1589.6749,"end":1590.1749,"sentiment":"neutral","sentiment_score":0.13838796317577362},{"text":"That's okay.","start":1592.7949,"end":1593.695,"sentiment":"neutral","sentiment_score":0.2012614756822586},{"text":"Not a problem at all, Vivian.","start":1593.755,"end":1595.195,"sentiment":"neutral","sentiment_score":0.1889959772427877},{"text":"If I do need anything additional, I'll come back and double check with you.","start":1595.195,"end":1598.23,"sentiment":"neutral","sentiment_score":-0.016567172083471502}],"sentiment":"neutral","sentiment_score":0.09756973645600833,"num_words":38,"start":1585.915,"end":1598.23},{"sentences":[{"text":"But at the moment, we've got everything we need to be able to move forward and update this strategy for you.","start":1598.23,"end":1603.2699,"sentiment":"neutral","sentiment_score":0.21411135721774327},{"text":"Okay.","start":1603.2699,"end":1603.7699,"sentiment":"positive","sentiment_score":0.4253138303756714},{"text":"Oh, not a problem.","start":1605.75,"end":1606.63,"sentiment":"positive","sentiment_score":0.5782341659069061},{"text":"Enjoy your week.","start":1606.63,"end":1607.51,"sentiment":"positive","sentiment_score":0.7685831387837728},{"text":"I hope you have a good day.","start":1607.51,"end":1609.0499,"sentiment":"positive","sentiment_score":0.7986343332699367}],"sentiment":"positive","sentiment_score":0.4202994095782439,"num_words":36,"start":1598.23,"end":1609.0499},{"sentences":[{"text":"Thanks, Vivian.","start":1612.105,"end":1612.9049,"sentiment":"positive","sentiment_score":0.6927737295627594},{"text":"I'll talk to you soon.","start":1612.9049,"end":1614.125,"sentiment":"positive","sentiment_score":0.5390488147735596},{"text":"Thanks.","start":1616.0249,"end":1616.5249,"sentiment":"positive","sentiment_score":0.4775064289569855},{"text":"See you later.","start":1616.825,"end":1617.5449,"sentiment":"positive","sentiment_score":0.3916813333829244},{"text":"Bye.","start":1617.5449,"end":1618.0449,"sentiment":"neutral","sentiment_score":0.188471257686615}],"sentiment":"positive","sentiment_score":0.49348443498214084,"num_words":12,"start":1612.105,"end":1618.0449}]}}]},{"alternatives":[{"transcript":"I'm good. Thanks, Anna. How are you? Yes. Sorry. I missed that call at 08:30. Do you wanna reschedule it for another time? It's... Yeah. Yep. Yep. Yeah. That's fine. You're on speaker, so I have enough time. So I am a sole trader now, and I've been putting money aside for my super. I just need to work out now what accounts to transfer to. And I... Honestly, I've had a son with severe mental health condition. And, yeah, I... I've had to focus on him for a bit. He's now gone back to Sydney to be with his dad. So now now I will be able to just focus a little bit more on on what I can contribute because every time I get paid, part of it... I think I've done 20 or 25% gets taken out and put into a different bank account so I know that's super and that's for tax. And the the withdrawal was because I had major surgery. I had a breast reduction because my back was really so painful. Yeah. So there was something on my list that I I had to do, but never really had the time or the funds to do it. And now a bit the bullet that I have to do it. So I'm waiting for a a refund... Not a refund, a contribution amount to come back from my health fund, and then I'll stick straight back to the Super account again. That'll speak right. Yeah. No. That's fine. That that sounds like a good plan. And that way, I can actually set the account up to go straight into the super rather than me having to do the transfer every, you know, week or fortnight, whatever it is. Yes. Yes. I think I've settled at 25%. I am trying to work that out because I I picked up jobs from a platform called Bay Hall, which is dedicated to NCIS patients. And they they pay for... I mean, they pay every Wednesday, but it's not that... Not always that you can get your invoice in real time. So I'm thinking probably 1,100 a week. Yeah. I think 1,000 is maybe my gross income. Correct. Yeah. Maybe 70. Yeah. Yeah. Yeah. But maybe not even. I mean, it depends on what's... I've... It depends on the jobs that I've got and that I'm getting. At the moment, what's... You know, a couple of really lovely clients, and I hope to keep them. But there's no reason why I can't pick up any more, But I definitely have already sort of started a little bit more of a a little bit more relaxed lifestyle rather than this to be a precious nine to five and, you know, 300 emails a day. Yeah. Yeah. And do you think I should with my super? I know that I'm going... I know I'm in this protective thing that I don't really wanna risk putting it all on something and losing it. The investment. Do you think that should go up? Do you think that should go up? Yeah. Yeah. Yeah. No. Look. I I have no idea about investment, and it's all... The whole world is a little bit, you know, in a dubious state at the moment. You never know what happens and what Trump's gonna do next and... Yeah. So I'm I'm going to go with whatever you would more experience with this than I do. Yep. Yeah. Yeah. That sounds great. Yep. Yeah. That'd be great. Thank you. I've got a permanent tenant in there. So his lease runs out, I think, in January. But if he signs for a year, then great. If he doesn't, I was thinking of making it an Airbnb because it's it's right on the beach. So I can't really go wrong with that. But let's... I just need to wait to see whether he will resign and... Yeah. Can you repeat that again? What was that? No. Change that to $5.30. Yeah. Because I'm keeping an eye on on the particular block. Yep. Yeah. It's gone down a bit. It's gone... Yeah. It has... Not too sure, but just maybe leave it at $4.65. Correct. Correct. Yes. It is. And I got in just before they changed the rules in Queensland, so that was good. I believe it's around about 2,900 and something, but just put down 3 because that's that's literally what I keep paying per month. 4.6. Yeah. No. I do. It's about... It's it's it's 48 something, but this is rounded off to $50. I think per week. Oh, not sure of that. I don't know. I think per week. Yeah. Yep. 3,000. 3,000. Yep. And the landlord insurance, I believe, was about 180. Yeah. For the year. Yep. No. No. No. I've changed that account to the Subaru account. So no. No. No. No. I've got an electric bike worth $3. Oh, it's sunny here. Is it not sunny in Brisbane? Yes. Oh, it's beautiful weather here. Yeah. Yeah. I hope so. I believe that a lot of places got a bit of a a hiding over the weekends. Like, got tornado, and Sydney got got absolutely smashed with a bomb of rain. It's crazy. Yep. Well, I'm gonna put the contributions back in, obviously. But do you think we should review that after Christmas, or do you think we should just continue it? Yeah. Yeah. Perfect. Perfect. Yep. No. I don't know. But whatever the amount is, it'll go straight back back in there. Yep. So I'm working as a social support person with AIDS care and disability care. No. I'm not really. I mean, I... I'm I'm more on the social part. I didn't really want to do any heavy lifting, and I probably couldn't do it anyway after my surgery. And, you know, doing enemas and that's for for for people, I just don't know. I don't want any of that anymore. So now more of the social aspect, trying to lift them up a little bit, make them more happier in life, take them out, make sure that they have a bit more quality lifestyle. Roughly five to six hours a day. Sometimes a bit more, sometimes a little bit less. Yeah. Actually, we'll change that. Yeah. I wanted to... I see... I don't know how to go about this stuff because my son has got a mental health problem, and he had an addiction to drugs. I actually don't want him to have any access to that money. And I had a chat to Daniel about it, and he said that I need to have a look at the fact that he and Stefan would be able to get that money. And then with with a clause, which I need to change my will, that's the money will still... His... For he'll still get his portion, but it will be distributed to him on... With a with a binding condition that the fact that he is, you know, sobriety and is able to lead a normal lifestyle. Yep. Yep. Perfect. Yes. Yep. No. Not at this stage. Oh, that's good. Wonderful. Yep. No. No. No. That's additional. Yep. I think 10 or 15%. I'd have to have a look on my app, but I I had discussed this with my brother who is really up to date with all this finance stuff, and he sort of guided me through to what I should be putting away. So, yeah, I don't I don't want a text man looking at my door saying, you owe $20 in tax. Oh, oh, I have a panic attack. Yeah. Yes, please. Yeah. No. No. No. I'm just really appreciative that you've that you've taken my call. I'm sorry that I missed your call early this morning. Yep. Perfect. Yeah. A Monday would be good. An 08:30. Yep. Yeah. Perfect. That'll be fine. Thank you so much. Really appreciate it. Thank you so much. Thank you, and you too, Dana. Thank you. Likewise. Bye bye. 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good. Thanks, Anna. How are you? Yes. Sorry.\n\nI missed that call at 08:30. Do you wanna reschedule it for another time? It's... Yeah. Yep.\n\nYep. Yeah. That's fine. You're on speaker, so I have enough time. So I am a sole trader now, and I've been putting money aside for my super.\n\nI just need to work out now what accounts to transfer to. And I... Honestly, I've had a son with severe mental health condition. And, yeah, I... I've had to focus on him for a bit.\n\nHe's now gone back to Sydney to be with his dad. So now now I will be able to just focus a little bit more on on what I can contribute because every time I get paid, part of it... I think I've done 20 or 25% gets taken out and put into a different bank account so I know that's super and that's for tax. And the the withdrawal was because I had major surgery. I had a breast reduction because my back was really so painful.\n\nYeah. So there was something on my list that I I had to do, but never really had the time or the funds to do it. And now a bit the bullet that I have to do it. So I'm waiting for a a refund... Not a refund, a contribution amount to come back from my health fund, and then I'll stick straight back to the Super account again.\n\nThat'll speak right. Yeah. No. That's fine. That that sounds like a good plan.\n\nAnd that way, I can actually set the account up to go straight into the super rather than me having to do the transfer every, you know, week or fortnight, whatever it is. Yes. Yes. I think I've settled at 25%. I am trying to work that out because I I picked up jobs from a platform called Bay Hall, which is dedicated to NCIS patients.\n\nAnd they they pay for... I mean, they pay every Wednesday, but it's not that... Not always that you can get your invoice in real time. So I'm thinking probably 1,100 a week. Yeah.\n\nI think 1,000 is maybe my gross income. Correct. Yeah. Maybe 70. Yeah.\n\nYeah. Yeah. But maybe not even. I mean, it depends on what's... I've...\n\nIt depends on the jobs that I've got and that I'm getting. At the moment, what's... You know, a couple of really lovely clients, and I hope to keep them. But there's no reason why I can't pick up any more, But I definitely have already sort of started a little bit more of a a little bit more relaxed lifestyle rather than this to be a precious nine to five and, you know, 300 emails a day. Yeah.\n\nYeah. And do you think I should with my super? I know that I'm going... I know I'm in this protective thing that I don't really wanna risk putting it all on something and losing it. The investment.\n\nDo you think that should go up? Do you think that should go up? Yeah. Yeah. Yeah.\n\nNo. Look. I I have no idea about investment, and it's all... The whole world is a little bit, you know, in a dubious state at the moment. You never know what happens and what Trump's gonna do next and...\n\nYeah. So I'm I'm going to go with whatever you would more experience with this than I do. Yep. Yeah. Yeah.\n\nThat sounds great. Yep. Yeah. That'd be great. Thank you.\n\nI've got a permanent tenant in there. So his lease runs out, I think, in January. But if he signs for a year, then great. If he doesn't, I was thinking of making it an Airbnb because it's it's right on the beach. So I can't really go wrong with that.\n\nBut let's... I just need to wait to see whether he will resign and... Yeah. Can you repeat that again? What was that?\n\nNo. Change that to $5.30. Yeah. Because I'm keeping an eye on on the particular block. Yep.\n\nYeah. It's gone down a bit. It's gone... Yeah. It has...\n\nNot too sure, but just maybe leave it at $4.65. Correct. Correct. Yes. It is.\n\nAnd I got in just before they changed the rules in Queensland, so that was good. I believe it's around about 2,900 and something, but just put down 3 because that's that's literally what I keep paying per month. 4.6. Yeah. No.\n\nI do. It's about... It's it's it's 48 something, but this is rounded off to $50. I think per week. Oh, not sure of that.\n\nI don't know. I think per week. Yeah. Yep. 3,000.\n\n3,000. Yep. And the landlord insurance, I believe, was about 180. Yeah. For the year.\n\nYep. No. No. No. I've changed that account to the Subaru account.\n\nSo no. No. No. No. I've got an electric bike worth $3.\n\nOh, it's sunny here. Is it not sunny in Brisbane? Yes. Oh, it's beautiful weather here. Yeah.\n\nYeah. I hope so. I believe that a lot of places got a bit of a a hiding over the weekends. Like, got tornado, and Sydney got got absolutely smashed with a bomb of rain. It's crazy.\n\nYep. Well, I'm gonna put the contributions back in, obviously. But do you think we should review that after Christmas, or do you think we should just continue it? Yeah. Yeah.\n\nPerfect. Perfect. Yep. No. I don't know.\n\nBut whatever the amount is, it'll go straight back back in there. Yep. So I'm working as a social support person with AIDS care and disability care. No. I'm not really.\n\nI mean, I... I'm I'm more on the social part. I didn't really want to do any heavy lifting, and I probably couldn't do it anyway after my surgery. And, you know, doing enemas and that's for for for people, I just don't know. I don't want any of that anymore.\n\nSo now more of the social aspect, trying to lift them up a little bit, make them more happier in life, take them out, make sure that they have a bit more quality lifestyle. Roughly five to six hours a day. Sometimes a bit more, sometimes a little bit less. Yeah. Actually, we'll change that.\n\nYeah. I wanted to... I see... I don't know how to go about this stuff because my son has got a mental health problem, and he had an addiction to drugs. I actually don't want him to have any access to that money.\n\nAnd I had a chat to Daniel about it, and he said that I need to have a look at the fact that he and Stefan would be able to get that money. And then with with a clause, which I need to change my will, that's the money will still... His... For he'll still get his portion, but it will be distributed to him on... With a with a binding condition that the fact that he is, you know, sobriety and is able to lead a normal lifestyle.\n\nYep. Yep. Perfect. Yes. Yep.\n\nNo. Not at this stage. Oh, that's good. Wonderful. Yep.\n\nNo. No. No. That's additional. Yep.\n\nI think 10 or 15%. I'd have to have a look on my app, but I I had discussed this with my brother who is really up to date with all this finance stuff, and he sort of guided me through to what I should be putting away. So, yeah, I don't I don't want a text man looking at my door saying, you owe $20 in tax. Oh, oh, I have a panic attack. Yeah.\n\nYes, please. Yeah. No. No. No.\n\nI'm just really appreciative that you've that you've taken my call. I'm sorry that I missed your call early this morning. Yep. Perfect. Yeah.\n\nA Monday would be good. An 08:30. Yep. Yeah. Perfect.\n\nThat'll be fine. Thank you so much. Really appreciate it. Thank you so much. Thank you, and you too, Dana.\n\nThank you. Likewise. Bye bye. Bye.","paragraphs":[{"sentences":[{"text":"I'm good.","start":5.04,"end":5.6,"sentiment":"positive","sentiment_score":0.5331377983093262},{"text":"Thanks, Anna.","start":5.6,"end":6.3199997,"sentiment":"positive","sentiment_score":0.6053681671619415},{"text":"How are you?","start":6.3199997,"end":7.06,"sentiment":"positive","sentiment_score":0.41070815920829773},{"text":"Yes.","start":16.385,"end":16.885,"sentiment":"neutral","sentiment_score":0.02325158566236496},{"text":"Sorry.","start":17.904999,"end":18.224998,"sentiment":"neutral","sentiment_score":-0.09002227336168289}],"sentiment":"positive","sentiment_score":0.38248508009645676,"num_words":9,"start":5.04,"end":18.224998},{"sentences":[{"text":"I missed that call at 08:30.","start":18.224998,"end":20.164999,"sentiment":"neutral","sentiment_score":-0.12227589388688405},{"text":"Do you wanna reschedule it for another time?","start":20.305,"end":22.945,"sentiment":"neutral","sentiment_score":-0.056001967284828424},{"text":"It's...","start":22.945,"end":23.445,"sentiment":"neutral","sentiment_score":-0.01672309637069702},{"text":"Yeah.","start":34.48,"end":34.72,"sentiment":"neutral","sentiment_score":0.08260920643806458},{"text":"Yep.","start":34.72,"end":35.22,"sentiment":"neutral","sentiment_score":0.06678032875061035}],"sentiment":"neutral","sentiment_score":-0.061706156634232574,"num_words":17,"start":18.224998,"end":35.22},{"sentences":[{"text":"Yep.","start":35.44,"end":35.94,"sentiment":"neutral","sentiment_score":0.05839652940630913},{"text":"Yeah.","start":40.4,"end":40.8,"sentiment":"neutral","sentiment_score":0.0859237089753151},{"text":"That's fine.","start":40.8,"end":41.44,"sentiment":"neutral","sentiment_score":0.15098708122968674},{"text":"You're on speaker, so I have enough time.","start":41.44,"end":43.699997,"sentiment":"neutral","sentiment_score":0.13108978420495987},{"text":"So I am a sole trader now, and I've been putting money aside for my super.","start":67.36,"end":73.884995,"sentiment":"neutral","sentiment_score":-0.014087717107031494}],"sentiment":"neutral","sentiment_score":0.04534318574172046,"num_words":28,"start":35.44,"end":73.884995},{"sentences":[{"text":"I just need to work out now what accounts to transfer to.","start":74.665,"end":78.665,"sentiment":"neutral","sentiment_score":-0.07934236774841945},{"text":"And I...","start":78.665,"end":79.305,"sentiment":"neutral","sentiment_score":-0.07240185141563416},{"text":"Honestly, I've had a son with severe mental health condition.","start":79.305,"end":83.405,"sentiment":"neutral","sentiment_score":-0.22588391453027726},{"text":"And, yeah, I...","start":85.225,"end":86.744995,"sentiment":"neutral","sentiment_score":-0.08351529637972514},{"text":"I've had to focus on him for a bit.","start":86.744995,"end":89.94,"sentiment":"neutral","sentiment_score":-0.0813390856815709}],"sentiment":"neutral","sentiment_score":-0.12050969226078855,"num_words":36,"start":74.665,"end":89.94},{"sentences":[{"text":"He's now gone back to Sydney to be with his dad.","start":90.08,"end":93.520004,"sentiment":"neutral","sentiment_score":-0.04799384657632221},{"text":"So now now I will be able to just focus a little bit more on on what I can contribute because every time I get paid, part of it...","start":93.520004,"end":107.055,"sentiment":"neutral","sentiment_score":-0.019325174648186255},{"text":"I think I've done 20 or 25% gets taken out and put into a different bank account so I know that's super and that's for tax.","start":107.195,"end":116.015,"sentiment":"neutral","sentiment_score":-0.0007769224735406729},{"text":"And the the withdrawal was because I had major surgery.","start":117.39,"end":121.57,"sentiment":"neutral","sentiment_score":-0.11252682656049728},{"text":"I had a breast reduction because my back was really so painful.","start":123.39,"end":127.81,"sentiment":"negative","sentiment_score":-0.35405588274200755}],"sentiment":"neutral","sentiment_score":-0.07366478659043257,"num_words":88,"start":90.08,"end":127.81},{"sentences":[{"text":"Yeah.","start":129.88501,"end":130.285,"sentiment":"neutral","sentiment_score":0.014418201521039007},{"text":"So there was something on my list that I I had to do, but never really had the time or the funds to do it.","start":130.285,"end":136.765,"sentiment":"neutral","sentiment_score":-0.028094886019825936},{"text":"And now a bit the bullet that I have to do it.","start":136.765,"end":139.565,"sentiment":"neutral","sentiment_score":-0.02750211302191019},{"text":"So I'm waiting for a a refund...","start":139.565,"end":143.185,"sentiment":"neutral","sentiment_score":-0.02558811940252781},{"text":"Not a refund, a contribution amount to come back from my health fund, and then I'll stick straight back to the Super account again.","start":143.485,"end":152.19,"sentiment":"neutral","sentiment_score":0.009935867041349411}],"sentiment":"neutral","sentiment_score":-0.013893265682070152,"num_words":69,"start":129.88501,"end":152.19},{"sentences":[{"text":"That'll speak right.","start":165.425,"end":166.725,"sentiment":"neutral","sentiment_score":0.05026257658998171},{"text":"Yeah.","start":180.51,"end":181.01,"sentiment":"neutral","sentiment_score":0.021707970649003983},{"text":"No.","start":184.43,"end":184.67,"sentiment":"neutral","sentiment_score":-0.027952438220381737},{"text":"That's fine.","start":184.67,"end":185.56999,"sentiment":"neutral","sentiment_score":0.057396311312913895},{"text":"That that sounds like a good plan.","start":185.95,"end":188.015,"sentiment":"positive","sentiment_score":0.42876453165497097}],"sentiment":"neutral","sentiment_score":0.23290625760065659,"num_words":14,"start":165.425,"end":188.015},{"sentences":[{"text":"And that way, I can actually set the account up to go straight into the super rather than me having to do the transfer every, you know, week or fortnight, whatever it is.","start":188.63501,"end":200.335,"sentiment":"neutral","sentiment_score":0.2531969870130221},{"text":"Yes.","start":213.26,"end":213.76,"sentiment":"neutral","sentiment_score":0.027730505913496017},{"text":"Yes.","start":219.035,"end":219.535,"sentiment":"neutral","sentiment_score":0.03465363010764122},{"text":"I think I've settled at 25%.","start":223.835,"end":226.175,"sentiment":"neutral","sentiment_score":0.027717338874936104},{"text":"I am trying to work that out because I I picked up jobs from a platform called Bay Hall, which is dedicated to NCIS patients.","start":240.81,"end":254.135,"sentiment":"neutral","sentiment_score":0.07055010616779328}],"sentiment":"neutral","sentiment_score":0.15678699083174719,"num_words":66,"start":188.63501,"end":254.135},{"sentences":[{"text":"And they they pay for...","start":255.075,"end":261.2,"sentiment":"neutral","sentiment_score":0.01930050104856491},{"text":"I mean, they pay every Wednesday, but it's not that...","start":261.2,"end":264.56,"sentiment":"neutral","sentiment_score":-0.00453370288014412},{"text":"Not always that you can get your invoice in real time.","start":264.56,"end":267.36,"sentiment":"neutral","sentiment_score":-0.06424694508314133},{"text":"So I'm thinking probably 1,100 a week.","start":267.36,"end":274.94498,"sentiment":"neutral","sentiment_score":-0.01255173613649926},{"text":"Yeah.","start":283.405,"end":283.905,"sentiment":"neutral","sentiment_score":0.02402719482779503}],"sentiment":"neutral","sentiment_score":-0.0211584081647315,"num_words":34,"start":255.075,"end":283.905},{"sentences":[{"text":"I think 1,000 is maybe my gross income.","start":284.205,"end":287.26498,"sentiment":"neutral","sentiment_score":0.019633763702586293},{"text":"Correct.","start":287.485,"end":287.985,"sentiment":"neutral","sentiment_score":0.07464130222797394},{"text":"Yeah.","start":308.92502,"end":309.42502,"sentiment":"neutral","sentiment_score":-0.011331621557474136},{"text":"Maybe 70.","start":318.48,"end":319.38,"sentiment":"neutral","sentiment_score":-0.001856708899140358},{"text":"Yeah.","start":322.32,"end":322.56,"sentiment":"neutral","sentiment_score":0.009829125367105007}],"sentiment":"neutral","sentiment_score":0.017422730604616497,"num_words":13,"start":284.205,"end":322.56},{"sentences":[{"text":"Yeah.","start":322.56,"end":322.72,"sentiment":"neutral","sentiment_score":0.00474538654088974},{"text":"Yeah.","start":322.72,"end":322.96,"sentiment":"neutral","sentiment_score":-0.004460766911506653},{"text":"But maybe not even.","start":322.96,"end":324.32,"sentiment":"neutral","sentiment_score":-0.04447945114225149},{"text":"I mean, it depends on what's...","start":324.32,"end":326.5,"sentiment":"neutral","sentiment_score":-0.03923994271705548},{"text":"I've...","start":327.84,"end":327.91998,"sentiment":"neutral","sentiment_score":-0.03196989744901657}],"sentiment":"neutral","sentiment_score":-0.03423405682238249,"num_words":13,"start":322.56,"end":327.91998},{"sentences":[{"text":"It depends on the jobs that I've got and that I'm getting.","start":327.91998,"end":331.13998,"sentiment":"neutral","sentiment_score":-0.03457641384253899},{"text":"At the moment, what's...","start":331.615,"end":333.775,"sentiment":"neutral","sentiment_score":-0.019165728008374572},{"text":"You know, a couple of really lovely clients, and I hope to keep them.","start":333.775,"end":337.875,"sentiment":"neutral","sentiment_score":0.1333058210355895},{"text":"But there's no reason why I can't pick up any more, But I definitely have already sort of started a little bit more of a a little bit more relaxed lifestyle rather than this to be a precious nine to five and, you know, 300 emails a day.","start":341.53497,"end":359.25,"sentiment":"neutral","sentiment_score":0.08343838931371768},{"text":"Yeah.","start":388.51,"end":388.99002,"sentiment":"neutral","sentiment_score":0.04423847049474716}],"sentiment":"neutral","sentiment_score":0.06865800979629724,"num_words":79,"start":327.91998,"end":388.99002},{"sentences":[{"text":"Yeah.","start":388.99002,"end":389.49002,"sentiment":"neutral","sentiment_score":0.046435143798589706},{"text":"And do you think I should with my super?","start":390.095,"end":393.535,"sentiment":"neutral","sentiment_score":0.01469311945968204},{"text":"I know that I'm going...","start":393.535,"end":394.755,"sentiment":"neutral","sentiment_score":-0.16011243760585786},{"text":"I know I'm in this protective thing that I don't really wanna risk putting it all on something and losing it.","start":395.375,"end":407.34,"sentiment":"neutral","sentiment_score":-0.25393116899899076},{"text":"The investment.","start":409.72,"end":410.46,"sentiment":"neutral","sentiment_score":0.05503773130476475}],"sentiment":"neutral","sentiment_score":-0.1537991593542852,"num_words":38,"start":388.99002,"end":410.46},{"sentences":[{"text":"Do you think that should go up?","start":486.81,"end":488.59,"sentiment":"neutral","sentiment_score":-0.02639851559485708},{"text":"Do you think that should go up?","start":489.44998,"end":491.22998,"sentiment":"neutral","sentiment_score":-0.0006707177630492619},{"text":"Yeah.","start":514.02,"end":514.52,"sentiment":"neutral","sentiment_score":0.02648883685469627},{"text":"Yeah.","start":520.1,"end":520.6,"sentiment":"neutral","sentiment_score":0.025354301556944847},{"text":"Yeah.","start":543.91,"end":544.41,"sentiment":"neutral","sentiment_score":0.034566041082143784}],"sentiment":"neutral","sentiment_score":-0.00606326200067997,"num_words":17,"start":486.81,"end":544.41},{"sentences":[{"text":"No.","start":554.11505,"end":554.61505,"sentiment":"neutral","sentiment_score":-0.08571208268404007},{"text":"Look.","start":555.715,"end":556.215,"sentiment":"neutral","sentiment_score":-0.08085671067237854},{"text":"I I have no idea about investment, and it's all...","start":556.275,"end":560.195,"sentiment":"neutral","sentiment_score":-0.1610301598906517},{"text":"The whole world is a little bit, you know, in a dubious state at the moment.","start":560.195,"end":565.31,"sentiment":"neutral","sentiment_score":-0.303825375624001},{"text":"You never know what happens and what Trump's gonna do next and...","start":566.41003,"end":569.95,"sentiment":"neutral","sentiment_score":-0.16783398141463599}],"sentiment":"neutral","sentiment_score":-0.21630210448056458,"num_words":40,"start":554.11505,"end":569.95},{"sentences":[{"text":"Yeah.","start":572.01,"end":572.51,"sentiment":"neutral","sentiment_score":-0.01935148984193802},{"text":"So I'm I'm going to go with whatever you would more experience with this than I 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great.","start":641.675,"end":642.555,"sentiment":"positive","sentiment_score":0.5034304360548655},{"text":"Thank you.","start":642.555,"end":643.375,"sentiment":"positive","sentiment_score":0.6855842173099518}],"sentiment":"positive","sentiment_score":0.5107574871741235,"num_words":10,"start":618.245,"end":643.375},{"sentences":[{"text":"I've got a permanent tenant in there.","start":650.795,"end":652.98004,"sentiment":"neutral","sentiment_score":0.030173629788415774},{"text":"So his lease runs out, I think, in January.","start":652.98004,"end":656.44,"sentiment":"neutral","sentiment_score":0.03376637647549311},{"text":"But if he signs for a year, then great.","start":656.74,"end":659.88,"sentiment":"neutral","sentiment_score":0.10262774096594916},{"text":"If he doesn't, I was thinking of making it an Airbnb because it's it's right on the beach.","start":661.06,"end":668.375,"sentiment":"neutral","sentiment_score":0.0494857685536974},{"text":"So I can't really go wrong with that.","start":668.375,"end":671.59503,"sentiment":"neutral","sentiment_score":0.007020089076831937}],"sentiment":"neutral","sentiment_score":0.046777784550452936,"num_words":51,"start":650.795,"end":671.59503},{"sentences":[{"text":"But let's...","start":672.055,"end":673.015,"sentiment":"neutral","sentiment_score":-0.008402455598115921},{"text":"I just need to wait to see whether he will resign and...","start":673.015,"end":675.995,"sentiment":"neutral","sentiment_score":-0.030523711737866204},{"text":"Yeah.","start":676.375,"end":676.875,"sentiment":"neutral","sentiment_score":0.05692000687122345},{"text":"Can you repeat that again?","start":691.07996,"end":692.62,"sentiment":"neutral","sentiment_score":0.01251636929810047},{"text":"What was that?","start":692.75995,"end":693.82,"sentiment":"neutral","sentiment_score":0.0023704118405779204}],"sentiment":"neutral","sentiment_score":-0.011151146224659422,"num_words":23,"start":672.055,"end":693.82},{"sentences":[{"text":"No.","start":702.755,"end":703.155,"sentiment":"neutral","sentiment_score":-0.04672271013259888},{"text":"Change that to $5.30.","start":703.155,"end":705.015,"sentiment":"neutral","sentiment_score":-0.037820689380168915},{"text":"Yeah.","start":707.875,"end":708.275,"sentiment":"neutral","sentiment_score":0.11688808351755142},{"text":"Because I'm keeping an eye on on the particular 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has...","start":734.755,"end":735.495,"sentiment":"neutral","sentiment_score":-0.013275890611112118}],"sentiment":"neutral","sentiment_score":-0.011544124011627653,"num_words":11,"start":727.475,"end":735.495},{"sentences":[{"text":"Not too sure, but just maybe leave it at $4.65.","start":738.915,"end":742.88,"sentiment":"neutral","sentiment_score":-0.016209538234397768},{"text":"Correct.","start":750.78,"end":751.28,"sentiment":"neutral","sentiment_score":0.10450512170791626},{"text":"Correct.","start":752.06,"end":752.56,"sentiment":"neutral","sentiment_score":0.2120206505060196},{"text":"Yes.","start":759.125,"end":759.365,"sentiment":"neutral","sentiment_score":0.028360823169350624},{"text":"It is.","start":759.365,"end":760.165,"sentiment":"neutral","sentiment_score":0.043016960844397545}],"sentiment":"neutral","sentiment_score":0.017921675648540258,"num_words":15,"start":738.915,"end":760.165},{"sentences":[{"text":"And I got in just before they changed the rules in Queensland, so that was good.","start":760.165,"end":764.825,"sentiment":"neutral","sentiment_score":0.27141738403588533},{"text":"I believe it's around about 2,900 and something, but just put down 3 because that's that's literally what I keep paying per month.","start":779.73,"end":791.225,"sentiment":"neutral","sentiment_score":-0.039109059245042176},{"text":"4.6.","start":796.085,"end":797.305,"sentiment":"neutral","sentiment_score":0.008502218872308731},{"text":"Yeah.","start":809.65,"end":810.15,"sentiment":"neutral","sentiment_score":0.0007128994911909103},{"text":"No.","start":810.45,"end":810.69,"sentiment":"neutral","sentiment_score":-0.029203586280345917}],"sentiment":"neutral","sentiment_score":0.08150431700050831,"num_words":42,"start":760.165,"end":810.69},{"sentences":[{"text":"I do.","start":810.69,"end":811.09,"sentiment":"neutral","sentiment_score":-0.014199259225279093},{"text":"It's about...","start":811.09,"end":811.57,"sentiment":"neutral","sentiment_score":-0.015599120873957872},{"text":"It's it's it's 48 something, but this is rounded off to $50.","start":811.57,"end":816.34503,"sentiment":"neutral","sentiment_score":-0.018288546862701576},{"text":"I think per week.","start":819.28503,"end":824.025,"sentiment":"neutral","sentiment_score":-0.017598616424947977},{"text":"Oh, not sure of that.","start":824.245,"end":826.025,"sentiment":"neutral","sentiment_score":-0.040795907378196716}],"sentiment":"neutral","sentiment_score":-0.022137333005666733,"num_words":25,"start":810.69,"end":826.025},{"sentences":[{"text":"I don't know.","start":826.68,"end":827.66003,"sentiment":"neutral","sentiment_score":-0.06707562878727913},{"text":"I think per week.","start":831.4,"end":832.62,"sentiment":"neutral","sentiment_score":0.0010109792929142714},{"text":"Yeah.","start":834.68,"end":835.18,"sentiment":"neutral","sentiment_score":0.023971302434802055},{"text":"Yep.","start":846.855,"end":846.935,"sentiment":"neutral","sentiment_score":-0.0022602002136409283},{"text":"3,000.","start":846.935,"end":847.915,"sentiment":"neutral","sentiment_score":-0.0042772856540977955}],"sentiment":"neutral","sentiment_score":-0.017974915262311698,"num_words":10,"start":826.68,"end":847.915},{"sentences":[{"text":"3,000.","start":849.415,"end":850.15497,"sentiment":"neutral","sentiment_score":0.023254936560988423},{"text":"Yep.","start":850.615,"end":851.1,"sentiment":"neutral","sentiment_score":0.07149030268192291},{"text":"And the landlord insurance, I believe, was about 180.","start":851.5,"end":855.68,"sentiment":"neutral","sentiment_score":-0.001033220233188735},{"text":"Yeah.","start":860.62,"end":860.86,"sentiment":"neutral","sentiment_score":-0.011087287217378616},{"text":"For the year.","start":860.86,"end":861.75995,"sentiment":"neutral","sentiment_score":-0.014307104361553987}],"sentiment":"neutral","sentiment_score":0.002095843789478143,"num_words":15,"start":849.415,"end":861.75995},{"sentences":[{"text":"Yep.","start":863.445,"end":863.945,"sentiment":"neutral","sentiment_score":0.09323832392692566},{"text":"No.","start":872.405,"end":872.905,"sentiment":"neutral","sentiment_score":-0.1037316620349884},{"text":"No.","start":873.205,"end":873.705,"sentiment":"neutral","sentiment_score":-0.02135780081152916},{"text":"No.","start":890.31995,"end":890.56,"sentiment":"neutral","sentiment_score":-0.18773846328258512},{"text":"I've changed that account to the Subaru account.","start":890.56,"end":892.87994,"sentiment":"neutral","sentiment_score":-0.10036570811644197}],"sentiment":"neutral","sentiment_score":-0.08520960559447606,"num_words":12,"start":863.445,"end":892.87994},{"sentences":[{"text":"So no.","start":892.87994,"end":905.305,"sentiment":"neutral","sentiment_score":0.042932079173624516},{"text":"No.","start":909.77997,"end":910.27997,"sentiment":"neutral","sentiment_score":-0.07616531848907471},{"text":"No.","start":921.14,"end":921.64,"sentiment":"neutral","sentiment_score":-0.05479002743959427},{"text":"No.","start":930.125,"end":930.525,"sentiment":"neutral","sentiment_score":-0.04722822457551956},{"text":"I've got an electric bike worth $3.","start":930.525,"end":932.945,"sentiment":"neutral","sentiment_score":-0.04149231846843447}],"sentiment":"neutral","sentiment_score":-0.031897136786331735,"num_words":12,"start":892.87994,"end":932.945},{"sentences":[{"text":"Oh, it's sunny here.","start":940.18,"end":941.56,"sentiment":"neutral","sentiment_score":0.02380935102701187},{"text":"Is it not sunny in Brisbane?","start":941.62,"end":943.31995,"sentiment":"neutral","sentiment_score":-0.02327822583417098},{"text":"Yes.","start":944.66,"end":945.16,"sentiment":"neutral","sentiment_score":-0.1061565801501274},{"text":"Oh, it's beautiful weather here.","start":947.77997,"end":949.95996,"sentiment":"neutral","sentiment_score":0.29970568120479585},{"text":"Yeah.","start":960.255,"end":960.755,"sentiment":"neutral","sentiment_score":0.03342859819531441}],"sentiment":"neutral","sentiment_score":0.08125696901012869,"num_words":17,"start":940.18,"end":960.755},{"sentences":[{"text":"Yeah.","start":960.815,"end":961.055,"sentiment":"neutral","sentiment_score":0.0381634533405304},{"text":"I hope so.","start":961.055,"end":961.935,"sentiment":"neutral","sentiment_score":0.06674250091115634},{"text":"I believe that a lot of places got a bit of a a hiding over the weekends.","start":961.935,"end":967.27997,"sentiment":"neutral","sentiment_score":0.0028284834150005787},{"text":"Like, got tornado, and Sydney got got absolutely smashed with a bomb of rain.","start":967.42,"end":975.27997,"sentiment":"neutral","sentiment_score":-0.0967660232979272},{"text":"It's crazy.","start":976.54,"end":977.2,"sentiment":"neutral","sentiment_score":-0.15838684886693954}],"sentiment":"neutral","sentiment_score":-0.03743304999394191,"num_words":37,"start":960.815,"end":977.2},{"sentences":[{"text":"Yep.","start":1007.195,"end":1007.695,"sentiment":"neutral","sentiment_score":0.02741624414920807},{"text":"Well, I'm gonna put the contributions back in, obviously.","start":1012.155,"end":1015.055,"sentiment":"neutral","sentiment_score":0.060015389488803014},{"text":"But do you think we should review that after Christmas, or do you think we should just continue it?","start":1015.115,"end":1021.47,"sentiment":"neutral","sentiment_score":0.020343705325534468},{"text":"Yeah.","start":1028.4299,"end":1028.9299,"sentiment":"neutral","sentiment_score":0.03305552154779434},{"text":"Yeah.","start":1038.055,"end":1038.555,"sentiment":"neutral","sentiment_score":0.05351028591394424}],"sentiment":"neutral","sentiment_score":0.03356938574823641,"num_words":31,"start":1007.195,"end":1038.555},{"sentences":[{"text":"Perfect.","start":1062.0701,"end":1062.5701,"sentiment":"positive","sentiment_score":0.4919007420539856},{"text":"Perfect.","start":1063.005,"end":1063.505,"sentiment":"positive","sentiment_score":0.4855852425098419},{"text":"Yep.","start":1076.605,"end":1077.105,"sentiment":"neutral","sentiment_score":0.08541832864284515},{"text":"No.","start":1085.5,"end":1086.0,"sentiment":"neutral","sentiment_score":-0.042327143251895905},{"text":"I don't know.","start":1086.22,"end":1087.12,"sentiment":"neutral","sentiment_score":-0.05432460084557533}],"sentiment":"neutral","sentiment_score":0.12251476677400726,"num_words":7,"start":1062.0701,"end":1087.12},{"sentences":[{"text":"But whatever the amount is, it'll go straight back back in there.","start":1088.14,"end":1093.12,"sentiment":"neutral","sentiment_score":0.04391820356249809},{"text":"Yep.","start":1113.4199,"end":1113.9,"sentiment":"neutral","sentiment_score":0.01052255742251873},{"text":"So I'm working as a social support person with AIDS care and disability care.","start":1113.9,"end":1133.455,"sentiment":"neutral","sentiment_score":0.00198336028760033},{"text":"No.","start":1134.67,"end":1134.99,"sentiment":"neutral","sentiment_score":-0.2435339987277985},{"text":"I'm not really.","start":1134.99,"end":1135.9501,"sentiment":"neutral","sentiment_score":-0.26043278475602466}],"sentiment":"neutral","sentiment_score":-0.014823364799902324,"num_words":31,"start":1088.14,"end":1135.9501},{"sentences":[{"text":"I mean, I...","start":1135.9501,"end":1136.51,"sentiment":"neutral","sentiment_score":-0.15393669406572977},{"text":"I'm I'm more on the social part.","start":1136.51,"end":1138.99,"sentiment":"neutral","sentiment_score":-0.1452989046062742},{"text":"I didn't really want to do any heavy lifting, and I probably couldn't do it anyway after my surgery.","start":1138.99,"end":1146.61,"sentiment":"neutral","sentiment_score":-0.13463393951717176},{"text":"And, you know, doing enemas and that's for for for people, I just don't know.","start":1148.1749,"end":1152.655,"sentiment":"neutral","sentiment_score":-0.08218596602479616},{"text":"I don't want any of that anymore.","start":1152.655,"end":1154.195,"sentiment":"neutral","sentiment_score":-0.3026316591671535}],"sentiment":"neutral","sentiment_score":-0.1448658503884194,"num_words":51,"start":1135.9501,"end":1154.195},{"sentences":[{"text":"So now more of the social aspect, trying to lift them up a little bit, make them more happier in life, take them out, make sure that they have a bit more quality lifestyle.","start":1154.815,"end":1165.49,"sentiment":"neutral","sentiment_score":0.08457704556777197},{"text":"Roughly five to six hours a day.","start":1176.505,"end":1180.285,"sentiment":"neutral","sentiment_score":0.02028812055609056},{"text":"Sometimes a bit more, sometimes a little bit less.","start":1180.9851,"end":1184.8451,"sentiment":"neutral","sentiment_score":-0.007899574935436249},{"text":"Yeah.","start":1189.18,"end":1189.68,"sentiment":"neutral","sentiment_score":0.05144032835960388},{"text":"Actually, we'll change that.","start":1210.0349,"end":1212.215,"sentiment":"neutral","sentiment_score":0.005460658227093518}],"sentiment":"neutral","sentiment_score":0.05490587600083514,"num_words":55,"start":1154.815,"end":1212.215},{"sentences":[{"text":"Yeah.","start":1214.275,"end":1214.775,"sentiment":"neutral","sentiment_score":-0.0008185971528291702},{"text":"I wanted to...","start":1217.715,"end":1220.73,"sentiment":"neutral","sentiment_score":-0.07953383028507233},{"text":"I see...","start":1220.73,"end":1221.5299,"sentiment":"neutral","sentiment_score":-0.09866734221577644},{"text":"I don't know how to go about this stuff because my son has got a mental health problem, and he had an addiction to drugs.","start":1221.5299,"end":1228.9099,"sentiment":"neutral","sentiment_score":-0.19565101504325866},{"text":"I actually don't want him to have any access to that money.","start":1229.13,"end":1232.905,"sentiment":"neutral","sentiment_score":-0.25047440826892853}],"sentiment":"neutral","sentiment_score":-0.1938075127383304,"num_words":43,"start":1214.275,"end":1232.905},{"sentences":[{"text":"And I had a chat to Daniel about it, and he said that I need to have a look at the fact that he and Stefan would be able to get that money.","start":1232.905,"end":1242.185,"sentiment":"neutral","sentiment_score":-0.027104717594656078},{"text":"And then with with a clause, which I need to change my will, that's the money will still...","start":1242.185,"end":1247.47,"sentiment":"neutral","sentiment_score":0.013628840860393312},{"text":"His...","start":1247.47,"end":1247.71,"sentiment":"neutral","sentiment_score":-0.0012404753360897305},{"text":"For he'll still get his portion, but it will be distributed to him on...","start":1247.71,"end":1252.77,"sentiment":"neutral","sentiment_score":0.01238529761654458},{"text":"With a with a binding condition that the fact that he is, you know, sobriety and is able to lead a normal lifestyle.","start":1254.11,"end":1262.515,"sentiment":"neutral","sentiment_score":0.054530851542949677}],"sentiment":"neutral","sentiment_score":0.008732884625245012,"num_words":89,"start":1232.905,"end":1262.515},{"sentences":[{"text":"Yep.","start":1308.14,"end":1308.64,"sentiment":"neutral","sentiment_score":0.09566697478294373},{"text":"Yep.","start":1333.0599,"end":1333.5599,"sentiment":"neutral","sentiment_score":0.24682000279426575},{"text":"Perfect.","start":1338.1799,"end":1338.6799,"sentiment":"positive","sentiment_score":0.4705851674079895},{"text":"Yes.","start":1338.74,"end":1339.24,"sentiment":"positive","sentiment_score":0.39946967363357544},{"text":"Yep.","start":1352.265,"end":1352.73,"sentiment":"neutral","sentiment_score":0.15579241514205933}],"sentiment":"neutral","sentiment_score":0.27366684675216674,"num_words":5,"start":1308.14,"end":1352.73},{"sentences":[{"text":"No.","start":1360.25,"end":1360.73,"sentiment":"neutral","sentiment_score":-0.16776296496391296},{"text":"Not at this stage.","start":1360.73,"end":1361.87,"sentiment":"neutral","sentiment_score":-0.14350932277739048},{"text":"Oh, that's good.","start":1407.245,"end":1408.225,"sentiment":"neutral","sentiment_score":0.15088987350463867},{"text":"Wonderful.","start":1414.95,"end":1415.45,"sentiment":"positive","sentiment_score":0.6681561470031738},{"text":"Yep.","start":1424.95,"end":1425.45,"sentiment":"neutral","sentiment_score":0.051397617906332016}],"sentiment":"neutral","sentiment_score":0.0430423129349947,"num_words":10,"start":1360.25,"end":1425.45},{"sentences":[{"text":"No.","start":1438.4149,"end":1438.6549,"sentiment":"neutral","sentiment_score":-0.09499967843294144},{"text":"No.","start":1438.6549,"end":1438.815,"sentiment":"neutral","sentiment_score":-0.09080924093723296},{"text":"No.","start":1438.815,"end":1439.0549,"sentiment":"neutral","sentiment_score":-0.0977616161108017},{"text":"That's additional.","start":1439.0549,"end":1439.875,"sentiment":"neutral","sentiment_score":-0.07661876827478409},{"text":"Yep.","start":1442.42,"end":1442.92,"sentiment":"neutral","sentiment_score":-0.028614897280931473}],"sentiment":"neutral","sentiment_score":-0.07757049488524596,"num_words":6,"start":1438.4149,"end":1442.92},{"sentences":[{"text":"I think 10 or 15%.","start":1446.26,"end":1448.1,"sentiment":"neutral","sentiment_score":-0.03133029527962208},{"text":"I'd have to have a look on my app, but I I had discussed this with my brother who is really up to date with all this finance stuff, and he sort of guided me through to what I should be putting away.","start":1448.1,"end":1460.5651,"sentiment":"neutral","sentiment_score":0.027010510783902434},{"text":"So, yeah, I don't I don't want a text man looking at my door saying, you owe $20 in tax.","start":1461.105,"end":1466.885,"sentiment":"neutral","sentiment_score":-0.121856929641217},{"text":"Oh, oh, I have a panic attack.","start":1467.5851,"end":1469.525,"sentiment":"neutral","sentiment_score":-0.25741778526987347},{"text":"Yeah.","start":1484.84,"end":1485.315,"sentiment":"neutral","sentiment_score":0.0008666729554533958}],"sentiment":"neutral","sentiment_score":-0.04254468328221456,"num_words":76,"start":1446.26,"end":1485.315},{"sentences":[{"text":"Yes, please.","start":1485.875,"end":1486.695,"sentiment":"neutral","sentiment_score":0.05729617178440094},{"text":"Yeah.","start":1487.235,"end":1487.735,"sentiment":"neutral","sentiment_score":0.09050005674362184},{"text":"No.","start":1497.3949,"end":1497.6349,"sentiment":"neutral","sentiment_score":-0.1741524487733841},{"text":"No.","start":1497.6349,"end":1498.115,"sentiment":"neutral","sentiment_score":-0.1579049974679947},{"text":"No.","start":1498.115,"end":1498.595,"sentiment":"neutral","sentiment_score":-0.19519999623298645}],"sentiment":"neutral","sentiment_score":-0.05369417369365692,"num_words":6,"start":1485.875,"end":1498.595},{"sentences":[{"text":"I'm just really appreciative that you've that you've taken my call.","start":1498.595,"end":1502.89,"sentiment":"neutral","sentiment_score":-0.08966851594265211},{"text":"I'm sorry that I missed your call early this morning.","start":1502.89,"end":1505.7101,"sentiment":"neutral","sentiment_score":-0.09956891350448131},{"text":"Yep.","start":1528.265,"end":1528.585,"sentiment":"neutral","sentiment_score":0.23206190764904025},{"text":"Perfect.","start":1528.585,"end":1529.085,"sentiment":"positive","sentiment_score":0.5139598846435547},{"text":"Yeah.","start":1533.01,"end":1533.49,"sentiment":"neutral","sentiment_score":0.17005503177642822}],"sentiment":"neutral","sentiment_score":-0.04441524943104014,"num_words":24,"start":1498.595,"end":1533.49},{"sentences":[{"text":"A Monday would be good.","start":1533.49,"end":1535.51,"sentiment":"neutral","sentiment_score":0.21718710064888},{"text":"An 08:30.","start":1538.45,"end":1539.75,"sentiment":"neutral","sentiment_score":0.07819497957825661},{"text":"Yep.","start":1543.49,"end":1543.99,"sentiment":"neutral","sentiment_score":0.0921533703804016},{"text":"Yeah.","start":1558.865,"end":1559.2649,"sentiment":"neutral","sentiment_score":0.27174806594848633},{"text":"Perfect.","start":1559.2649,"end":1559.7649,"sentiment":"positive","sentiment_score":0.5638061761856079}],"sentiment":"neutral","sentiment_score":0.2170033074915409,"num_words":10,"start":1533.49,"end":1559.7649},{"sentences":[{"text":"That'll be fine.","start":1590.43,"end":1591.2301,"sentiment":"neutral","sentiment_score":0.2685131033261617},{"text":"Thank you so much.","start":1591.2301,"end":1592.27,"sentiment":"positive","sentiment_score":0.6511142402887344},{"text":"Really appreciate it.","start":1592.27,"end":1593.49,"sentiment":"positive","sentiment_score":0.41951683163642883},{"text":"Thank you so much.","start":1604.045,"end":1605.265,"sentiment":"positive","sentiment_score":0.7881928235292435},{"text":"Thank you, and you too, Dana.","start":1609.9149,"end":1611.615,"sentiment":"positive","sentiment_score":0.7552254895369211}],"sentiment":"positive","sentiment_score":0.6176335498690605,"num_words":20,"start":1590.43,"end":1611.615},{"sentences":[{"text":"Thank you.","start":1614.7949,"end":1615.355,"sentiment":"positive","sentiment_score":0.6500605344772339},{"text":"Likewise.","start":1615.355,"end":1615.855,"sentiment":"neutral","sentiment_score":0.3089596927165985},{"text":"Bye bye.","start":1615.9949,"end":1616.735,"sentiment":"neutral","sentiment_score":0.2944961339235306},{"text":"Bye.","start":1618.7949,"end":1619.2949,"sentiment":"neutral","sentiment_score":-0.12819190323352814}],"sentiment":"positive","sentiment_score":0.3449801877140999,"num_words":6,"start":1614.7949,"end":1619.2949}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi. Good morning, Vivian. This is Dana. How are you today?\n\nChannel 1: I'm good. Thanks, Anna. How are you?\n\nChannel 0: I'm very well. Thank you. Thanks for returning my call. Vivian, I had you booked in this morning for a bit of a catch up and a review. That's\n\nChannel 1: Yes. Sorry. I missed that call at 08:30. Do you wanna reschedule it for\n\nChannel 0: that's...\n\nChannel 1: another\n\nChannel 0: It looks\n\nChannel 1: time?\n\nChannel 0: like...\n\nChannel 1: It's...\n\nChannel 0: It is honestly up to you. Do you have time to sort of go through things? I'd definitely love to have a bit of a catch up with you and see how everything's going, look at maybe updating the advice and seeing how things are tracking for you.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: But just wanted\n\nChannel 1: Yep.\n\nChannel 0: to make sure that you've got enough time for it as well. It sounds like you're driving at the moment.\n\nChannel 1: Yeah. That's fine. You're on speaker, so I have enough time.\n\nChannel 0: Oh, fantastic. Lovely. Just sort of touching base with last time, so last conversation there, and I know you've taken the extra funds out as a bit of a buffer for that 15,000 withdrawal. How's everything been going since... I know you were looking at getting a new job and studying, and there was a lot happening at the time that we spoke last time.\n\nWhat's been... What's changed in your life so far?\n\nChannel 1: So I am a sole trader now, and I've been putting\n\nChannel 0: Yes.\n\nChannel 1: money aside for my super.\n\nChannel 0: Yes.\n\nChannel 1: I just need to work out now what accounts to transfer to. And I... Honestly, I've had a son with severe mental health condition.\n\nChannel 0: Oh.\n\nChannel 1: And, yeah, I... I've had to focus on him for a bit. He's now gone back to Sydney to be with his dad. So\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: now now I will be able to just focus a little bit more on on what I can contribute because every time I get paid, part of it... I think I've done 20 or 25% gets taken out and put into a different bank account so I know\n\nChannel 0: Yeah.\n\nChannel 1: that's\n\nChannel 0: Yep.\n\nChannel 1: super and that's for tax.\n\nChannel 0: Yes. Beautiful.\n\nChannel 1: And\n\nChannel 0: Beautiful.\n\nChannel 1: the the withdrawal was because I had major surgery. I had a breast reduction because my back was really so painful.\n\nChannel 0: Beautiful. Yeah.\n\nChannel 1: Yeah. So there was something on my list that I I had to do, but never really had the time or the funds to do it. And\n\nChannel 0: Yeah.\n\nChannel 1: now a bit the bullet that I have to do it. So I'm waiting for a a refund... Not a refund, a contribution amount to come back from my health fund, and then I'll\n\nChannel 0: Yep.\n\nChannel 1: stick straight back to the Super account again.\n\nChannel 0: Yeah. Beautiful. Not a problem at all. So just sort of looking forward with those extra contributions there, I'm happy to send you the information so that you can contribute the funds back into super. Not a problem.\n\nWould you like\n\nChannel 1: That'll\n\nChannel 0: me just\n\nChannel 1: speak\n\nChannel 0: to update\n\nChannel 1: right.\n\nChannel 0: the advice? That's okay. Would you like me to also maybe update the advice to reflect the regular contribution going in, how that can look for you, and just sorta update the advice strategy to reflect those changes in your circumstances, or are you happy\n\nChannel 1: Yeah.\n\nChannel 0: just to recontribute the money back? What would you prefer me to do?\n\nChannel 1: No. That's fine. That\n\nChannel 0: Yeah.\n\nChannel 1: that sounds like a good plan. And that way,\n\nChannel 0: Beautiful.\n\nChannel 1: I can actually set the account up to go straight into the super rather than me having to do the transfer every, you know, week or fortnight, whatever it is.\n\nChannel 0: Yeah. Absolutely. Not a problem at all. Well, what I'll do now, the... You're technically just a sole trader at the moment.\n\nSo you're setting aside a certain amount of money for your contributions. Is it a certain\n\nChannel 1: Yes.\n\nChannel 0: percentage that you're setting aside for your regular contributions in the super?\n\nChannel 1: Yes.\n\nChannel 0: Yep. What percentage is just for the contributions?\n\nChannel 1: I think I've settled at 25%.\n\nChannel 0: 25% for super contributions. Beautiful. And what are you sort of estimating your income should be this year, do you think? Or what is your regular income looking like at the moment?\n\nChannel 1: I am trying to work that out because I I picked up jobs from a platform called\n\nChannel 0: Mhmm.\n\nChannel 1: Bay Hall, which is dedicated to\n\nChannel 0: Yep.\n\nChannel 1: NCIS patients.\n\nChannel 0: Yep.\n\nChannel 1: And they they pay for... I mean, they pay every Wednesday, but it's not that... Not always that you can get your invoice in real time. So I'm thinking probably 1,100 a week.\n\nChannel 0: 1,100 per week. Yep. Beautiful. And then there's also tax to consider on top of that. So that would be your gross weekly income.\n\nChannel 1: Yeah. I think 1,000 is maybe my gross income. Correct.\n\nChannel 0: Beautiful. Worst income. Beautiful. I can use that as a bit of a base to have a look at the numbers. Absolutely perfectly fine.\n\nAnd are you still sort of thinking... I know one of the things we talked about was that you were looking to sort of continue working until, you know, sort of your late sixties. When you sort of think\n\nChannel 1: Yeah.\n\nChannel 0: about when you might wanna stop working fully and fully retire and draw an income out of your super, what kinda age are you sort of thinking now might be your goal?\n\nChannel 1: Maybe 70.\n\nChannel 0: 70? Yep.\n\nChannel 1: Yeah. Yeah. Yeah. But\n\nChannel 0: 50.\n\nChannel 1: maybe not even. I mean, it depends on what's... I've... It depends on the jobs that I've got and that I'm getting. At the moment,\n\nChannel 0: Yeah.\n\nChannel 1: what's... You know, a couple of really lovely clients, and I hope to keep them. But there's no reason why I can't pick up any more,\n\nChannel 0: Yeah.\n\nChannel 1: But\n\nChannel 0: Yeah.\n\nChannel 1: I definitely\n\nChannel 0: That's\n\nChannel 1: have\n\nChannel 0: okay.\n\nChannel 1: already sort of started a little bit more of a a little bit more relaxed lifestyle rather than this to be a precious nine to five and, you know, 300 emails a day.\n\nChannel 0: Yeah. Yeah. Absolutely. No. That's okay.\n\nWell, what I'm sort of thinking is I know one of the things we talked about last time was looking at that trends your retirement strategy. With your work and how it has sort of changed, it does sort of feel like that might not be appropriate to sort of follow through with at the moment. So I might just look at the advice and look at the contributions going in. Does that sound okay with you? Did you want me to reassess and maybe see if that transfer time strategy might still work for you based on your current income?\n\nChannel 1: Yeah. Yeah. And do you think I should with my super? I know that I'm going... I know I'm in this protective thing that I don't really wanna risk putting it all on something and losing it.\n\nChannel 0: Yeah. Yeah. No. Absolutely.\n\nChannel 1: The investment.\n\nChannel 0: Yes. So sorry. The phone just cut out. I do apologize there, Vivian. So having a look at that at the moment.\n\nNow when we sort of did the advice last time, we put you into a risk category, and that was more balanced. So that's sort of more on the lowest sort of end of the scale when you think about risk out of a number between one and five, five obviously being the highest level of risk, one being the lowest, you're sort of sitting at around about a two there. So it isn't the highest level of risk. It sees about 60% of your super invested in growth assets, so, like, shares, and then the other sort of 40% in lower risk defensive investments. Think about things like cash, bonds, and fixed interest there.\n\nSo you are realistically on that kinda lower end of the scale, which is absolutely fine for your age and stage. That balanced environment suit... Someone who has about three years before they're wanting to access their super, which is absolutely okay. We know with the likelihood of a negative return, it's expected around one in sort of every seven years. So it is relatively lower risk.\n\nThere is always a level of risk involved with investing in the markets, but you are kind of on that lower side there. Does that still feel\n\nChannel 1: Do\n\nChannel 0: fairly\n\nChannel 1: you think\n\nChannel 0: appropriate\n\nChannel 1: that should go\n\nChannel 0: to\n\nChannel 1: up?\n\nChannel 0: you?\n\nChannel 1: Do you think that\n\nChannel 0: I mean,\n\nChannel 1: should go\n\nChannel 0: you\n\nChannel 1: up?\n\nChannel 0: you absolutely could. We could look at increasing it a little bit more. Alternatively, if you wanted to, we could maybe keep you where you are for now. Just see how things track over maybe the next... Towards your next review, and then maybe see where things are at once you've kinda got that settlement in your work.\n\nYou see the money coming in on a regular basis. The contributions\n\nChannel 1: Yeah.\n\nChannel 0: are starting to go in, and we kinda get a bit of an idea of where things are heading towards. I kind of...\n\nChannel 1: Yeah.\n\nChannel 0: I'm happy to move you up now if you'd really like to take on a little bit more risk, but I'm also kind of wary that taking on more risk means the likelihood of a negative return increases as well. So looking for regular, steady compounding returns is what we're kind of after with super. We wanna kinda build it and compound it over time. We're not\n\nChannel 1: Yeah.\n\nChannel 0: gonna get, you know, really amazing returns without that downside risk as well. What's your thoughts? Do you have more questions there? Is... What's within your comfort\n\nChannel 1: No.\n\nChannel 0: level?\n\nChannel 1: Look. I I have no idea about investment, and it's all... The whole world is a little bit, you know, in a dubious state at the moment.\n\nChannel 0: Yep.\n\nChannel 1: You never know what happens and what Trump's gonna do next and... Yeah. So I'm I'm going to go with whatever you would\n\nChannel 0: Yep. Yeah. That's\n\nChannel 1: more\n\nChannel 0: okay.\n\nChannel 1: experience with this than I do.\n\nChannel 0: Yeah. Yeah. Absolutely. That's not a problem at all. Look.\n\nWhat I'll probably do is I'll keep you in that balanced environment for the moment just so we get a bit more clarity around your income and see things kinda going in more regularly. I'll update\n\nChannel 1: Yep.\n\nChannel 0: the advice to reflect that. And then if you like, once we kinda come back from that Christmas break and your supersed had a bit of a chance to see some contributions going in to sort of go through a few months of ups and downs and we see what it's looking like, then we can always come back and review that and look to increase the risk level if you're comfortable to do so. Does that sound okay with you?\n\nChannel 1: Yeah. Yeah. That sounds great.\n\nChannel 0: Beautiful. Excellent. Now with your goal side of things, I can look at, obviously, 70 as you have mentioned. Would you also like me to maybe project out to say age 67, look at what we're projecting based on the advice, but then also maybe look at Centrelink at that time for you as well if appropriate. Does that sound like something\n\nChannel 1: Yep.\n\nChannel 0: you'd like me to maybe consider as an alternative?\n\nChannel 1: Yeah. That'd be great. Thank you.\n\nChannel 0: Yep. Beautiful. That's okay. And you still got the investment property there as well. How's that going at the moment?\n\nChannel 1: I've got a permanent tenant in there. So his lease\n\nChannel 0: Beautiful.\n\nChannel 1: runs out, I think, in January. But\n\nChannel 0: Yep.\n\nChannel 1: if he signs for a year, then great. If he doesn't, I was thinking of making it an Airbnb because it's it's right on the beach. So I can't really go wrong with that. But\n\nChannel 0: Yep. Yep.\n\nChannel 1: let's... I just need to wait to see whether he will resign and... Yeah.\n\nChannel 0: Beautiful. Not a problem at all. Excellent. And asset value on that investment property last time was around about 500,000. Would you alter or change that or keep it the same?\n\nChannel 1: Can you repeat that again? What was\n\nChannel 0: That's...\n\nChannel 1: that?\n\nChannel 0: You'll find the asset value. So the value of the investment property we have sitting at 500,000, would you keep that the same or change it?\n\nChannel 1: No. Change that to $5.30.\n\nChannel 0: $5.30. Beautiful. Excellent.\n\nChannel 1: Yeah. Because I'm keeping an eye on on the\n\nChannel 0: Yeah. Yep.\n\nChannel 1: particular block.\n\nChannel 0: Yep. Beautiful. And then I have down here you have a loan on that property of 480,000 as well.\n\nChannel 1: Yep.\n\nChannel 0: Is that still correct?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Beautiful. And rent\n\nChannel 1: It's\n\nChannel 0: on\n\nChannel 1: gone\n\nChannel 0: that, we\n\nChannel 1: down\n\nChannel 0: were...\n\nChannel 1: a bit. It's\n\nChannel 0: Oh, has it? Roughly,\n\nChannel 1: gone...\n\nChannel 0: what do\n\nChannel 1: Yeah.\n\nChannel 0: you think\n\nChannel 1: It\n\nChannel 0: it\n\nChannel 1: has...\n\nChannel 0: might be at the moment?\n\nChannel 1: Not too sure, but just maybe leave it at $4.65.\n\nChannel 0: $4.65. Not a problem at all. And rent on that one you're receiving was about 600 per week. Is that still fairly accurate?\n\nChannel 1: Correct.\n\nChannel 0: Yep.\n\nChannel 1: Correct.\n\nChannel 0: Beautiful. Lovely. And then it's negatively geared, that property as well, isn't it?\n\nChannel 1: Yes. It is. And\n\nChannel 0: Yep.\n\nChannel 1: I got in\n\nChannel 0: Beautiful.\n\nChannel 1: just before\n\nChannel 0: Yeah.\n\nChannel 1: they changed the rules in Queensland, so that was good.\n\nChannel 0: Yeah. Absolutely. Absolutely. So I'll note that down there. What is your...\n\nDo you know what your pay or what is required to be paid on the loan for that investment property on a regular basis?\n\nChannel 1: I believe it's around about 2,900 and something, but just put down 3 because that's that's literally what I keep paying\n\nChannel 0: And that's per month?\n\nChannel 1: per month.\n\nChannel 0: Per month. Lovely. And do you know what the interest rate is on that property currently?\n\nChannel 1: 4.6.\n\nChannel 0: 4.60. Beautiful. Excellent. And do you have any kind of idea as to what the regular management costs are that you're paying on that property? Or if you don't know, that's okay.\n\nChannel 1: Yeah. No. I do. It's about... It's it's it's 48 something, but this is rounded off to $50.\n\nChannel 0: $50 per week or per month?\n\nChannel 1: I\n\nChannel 0: Or\n\nChannel 1: think per week. Oh,\n\nChannel 0: per\n\nChannel 1: not\n\nChannel 0: week?\n\nChannel 1: sure of that. I don't\n\nChannel 0: That's\n\nChannel 1: know.\n\nChannel 0: okay. You... That's okay. And when you think about\n\nChannel 1: I\n\nChannel 0: other\n\nChannel 1: think\n\nChannel 0: costs\n\nChannel 1: per week.\n\nChannel 0: for the per week, lovely.\n\nChannel 1: Yeah.\n\nChannel 0: And other costs that you are sort of paying for the property, things like... Sorry. Rates, taxes, and things like that. What do you average that would be per year? So, like, insurances,\n\nChannel 1: Yep. 3,000.\n\nChannel 0: rates at about 3,000.\n\nChannel 1: 3,000.\n\nChannel 0: Beautiful.\n\nChannel 1: Yep. And the\n\nChannel 0: That's a\n\nChannel 1: landlord\n\nChannel 0: year.\n\nChannel 1: insurance, I believe, was about 180.\n\nChannel 0: A $180 per week or...\n\nChannel 1: Yeah. For the year.\n\nChannel 0: So... Yeah. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Lovely. Just to factor those in, is there any other cost that you're outlying for the investment property that I haven't sort of factored in sitting here at the moment?\n\nChannel 1: No. No.\n\nChannel 0: Beautiful. Thank you for that. Just the other thing to look at here is the cash savings. Now you did have sort of 15,000 sitting in cash savings. I know you've taken some money out and had quite a lot going on.\n\nDo you still have anything sitting in savings at the moment?\n\nChannel 1: No. I've changed that account to the Subaru account. So\n\nChannel 0: Yep. No. That's okay. So I'll change it to super account. Beautiful.\n\nI've got your main primary residence sitting here, and the value on that last time\n\nChannel 1: no.\n\nChannel 0: was 680,000. Would you change or alter that value?\n\nChannel 1: No.\n\nChannel 0: Nope. That's okay. And then I've got down here your electric car as well, which had a value of 40,000. Would you change or alter that value at all?\n\nChannel 1: No.\n\nChannel 0: No. Beautiful. Is there any other assets or liabilities that I haven't got noted that you might want me to note down here?\n\nChannel 1: No. I've got an electric bike\n\nChannel 0: No.\n\nChannel 1: worth $3.\n\nChannel 0: Oh, beautiful. Let's note that down. Hopefully, the sun comes out so you can ride it.\n\nChannel 1: Oh, it's sunny here. Is it not sunny\n\nChannel 0: Oh,\n\nChannel 1: in\n\nChannel 0: is\n\nChannel 1: Brisbane?\n\nChannel 0: it? No. It's\n\nChannel 1: Yes.\n\nChannel 0: horrible and wet and rainy here at the moment.\n\nChannel 1: Oh, it's beautiful weather here.\n\nChannel 0: Oh, hopefully, our sun comes back out. We were lucky over the weekend. So I'll take the rain for the week, and then, hopefully, the sun comes back out for us for the weekend there.\n\nChannel 1: Yeah. Yeah. I hope so. I believe that a lot of places got a bit of a a hiding over the weekends. Like,\n\nChannel 0: Yeah.\n\nChannel 1: got tornado, and Sydney\n\nChannel 0: Yes.\n\nChannel 1: got got\n\nChannel 0: Yep.\n\nChannel 1: absolutely smashed with a bomb of rain.\n\nChannel 0: It was\n\nChannel 1: It's crazy.\n\nChannel 0: crazy, wasn't it? Yeah. Absolutely. Beautiful. So just to kind of recap there, I've updated your strategy.\n\nWe'll look at just the additional contributions going in. I'm sorry. I'm... The client did cut out for me before. I'm sort of thinking about, at the moment, we don't sort of revisit that trends, your time, and strategy.\n\nJust with the the changes in your income, it might not work very well. Did you want me to kinda go back and reassess it and maybe see if that TTR strategy can work for you, or are you happy just to maybe\n\nChannel 1: Yep.\n\nChannel 0: look at putting the contributions back in? What's more... What's preferred to yourself, Vivian?\n\nChannel 1: Well, I'm gonna put the contributions back in, obviously. But\n\nChannel 0: Yep.\n\nChannel 1: do you think we should review that after Christmas, or do you think we should\n\nChannel 0: Yeah.\n\nChannel 1: just\n\nChannel 0: Yeah.\n\nChannel 1: continue it?\n\nChannel 0: Let's maybe review that after Christmas when you have a little bit more of an idea of what your income is because at the moment,\n\nChannel 1: Yeah.\n\nChannel 0: you're still sort of getting it all sorted, building it up. It's a little... Probably a little bit more sporadic than what you, you know, would be getting on a regular basis. Let's sort of re...\n\nChannel 1: Yeah.\n\nChannel 0: Just update the strategy now to simplify things for you. Make sure your super is working, get those contributions back in, and then we maybe meet after Christmas again. We review the TTR side of things. We look at how your regular income is affecting you, and then also look at the risk profiling and see what your sleep has been doing. We kinda bring it back a little bit and just sort of do little stages.\n\nDoes that sound okay for you?\n\nChannel 1: Perfect. Perfect.\n\nChannel 0: Yep. Beautiful. Excellent. I'm noting here that super contributions were basing income on gross 1,100 per week, and you're putting away 25% of that on a weekly basis for super contributions.\n\nChannel 1: Yep.\n\nChannel 0: Yep. And when you get the rebate back from the, from the surgery, do you know how much that's expected to be?\n\nChannel 1: No. I don't know.\n\nChannel 0: No. That's\n\nChannel 1: But\n\nChannel 0: okay.\n\nChannel 1: whatever the amount is, it'll go straight back back in there.\n\nChannel 0: Straight. That's okay. We'll just work on the contribution side of things. That way, that additional can just be noted. If you let me know when you are ready to put that in just so I can, keep an eye on that for you.\n\nAbsolutely fine. Just looking at the other details here. So now you're working in NDIS now?\n\nChannel 1: Yep. So I'm working\n\nChannel 0: Yep.\n\nChannel 1: as a social support person with AIDS care and disability\n\nChannel 0: Yep. Wow. That's a very big job. My mom's an aged care nurse, and that's a very... It's a very demanding role.\n\nChannel 1: care. No. I'm not really. I mean, I... I'm I'm more on the social part.\n\nI\n\nChannel 0: Yep.\n\nChannel 1: didn't really want to do any heavy lifting, and I probably\n\nChannel 0: Yep.\n\nChannel 1: couldn't\n\nChannel 0: Yeah.\n\nChannel 1: do it anyway after my surgery. And, you know, doing enemas and that's for for\n\nChannel 0: Absolutely.\n\nChannel 1: for people, I just don't know. I don't want any of that anymore. So now more of the social aspect, trying to lift them up a little bit, make them more happier in life, take them out, make sure that they have a bit more quality lifestyle.\n\nChannel 0: Yeah. Beautiful. That's fantastic. And how many hours are you averaging working at the moment?\n\nChannel 1: Roughly five to six hours a day.\n\nChannel 0: Okay.\n\nChannel 1: Sometimes\n\nChannel 0: Beautiful.\n\nChannel 1: a\n\nChannel 0: And\n\nChannel 1: bit\n\nChannel 0: that's...\n\nChannel 1: more, sometimes\n\nChannel 0: Yep.\n\nChannel 1: a little bit less.\n\nChannel 0: Okay. And that's the five days a week?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. Excellent. And just double checking anything else I've got down here now. We sort of went over your estate planning.\n\nA while ago, you were still happy with everything there. I had noted here that if you pass away, you want your super to be paid as a death benefit to your three sons, and you've still got your\n\nChannel 1: Actually,\n\nChannel 0: will and power of\n\nChannel 1: we'll\n\nChannel 0: attorney.\n\nChannel 1: change that.\n\nChannel 0: Yep. Absolutely. What\n\nChannel 1: Yeah.\n\nChannel 0: would you like me to have noted there?\n\nChannel 1: I wanted to... I see... I don't know how to go about this stuff because my son has got a mental health problem, and\n\nChannel 0: Mhmm.\n\nChannel 1: he had an addiction to drugs. I actually don't want him to have any access to that money. And I had a chat to Daniel about it, and\n\nChannel 0: Yep.\n\nChannel 1: he said that I need to have a look at the fact that he and Stefan would be able to get that money. And then with with a clause, which I need to change my will, that's the money will still... His... For he'll still get his portion, but it will\n\nChannel 0: Mhmm.\n\nChannel 1: be distributed to him on... With a with a binding condition that the fact that he is, you know, sobriety and is able to lead a normal lifestyle.\n\nChannel 0: Yep. Perfect. So what... The way we could definitely look at doing this is with your super beneficiary, I would probably look at nominating your legal personal representative. So in the event that something occurs, all your super money is directed straight through to your estate.\n\nIt also works well because all three of your kids are technically nontax dependent. Then in your will, just speak to a solicitor and get that updated so that the portion that goes to your two children that are, you know, able and capable of handling the money is allocated in a certain percentage. And then noted that the the portion that you want paid to your son that does have those extra needs and that you want those conditions to be applied, that all\n\nChannel 1: Yep.\n\nChannel 0: can be set up to your trust via your will. So you can add those conditions. You can have the money paid into a trust and paid out to him at a certain point in time utilizing conditions, and you nominate someone else to be the executor of that trust or the trustee of that trust, whether it be your other two children or another person, and they will be the ones that handle that money on his behalf. And all that\n\nChannel 1: Yep.\n\nChannel 0: gets done through your solicitor, so it can definitely be done that way. Yeah.\n\nChannel 1: Perfect. Yes.\n\nChannel 0: Excellent. Lovely. I've got down here next two years looking at doing the aged care side of things, and you're doing that now, which is fantastic. So you've had those\n\nChannel 1: Yep.\n\nChannel 0: changes. Is there any other goals, sorry, down the track that you wanted me to sort of take into account for you? Or... Beautiful.\n\nChannel 1: No. Not at this stage.\n\nChannel 0: Absolutely. Well, I've got basically everything I need at the moment. If there is anything additional that we need to sort of factor in, I will do so. I will, sorry, also note down... I'm just double checking the fax line just to reconfirm.\n\nThere's nothing additional we need to sort of note in there. Everything looks really good otherwise. Your sweeper has been working really nicely, really happy with what's happening. Obviously, that with that came out for the 15,000 has affected the returns there. But when I have a look at the returns from when you came on board in April up until that withdrawal was deducted, your super had made a bit of a $14,000.\n\nSo it does essentially mean that\n\nChannel 1: Oh, that's\n\nChannel 0: that 15\n\nChannel 1: good.\n\nChannel 0: thousand dollar withdrawal was essentially just the growth, which meant the capital was still almost fully intact there. So that is good.\n\nChannel 1: Wonderful.\n\nChannel 0: You made what you needed, and we'll make... We can make that back. You'll never get to the position you were without the withdrawal, but we can look to make that back and kinda keep it growing.\n\nChannel 1: Yep.\n\nChannel 0: I... Just with the tax side of things, so you mentioned you're putting away that 25% for super. Are you putting away an additional amount for the tax, or is that included in that 25%?\n\nChannel 1: No. No. No. That's additional.\n\nChannel 0: Additional? How much are you putting away\n\nChannel 1: Yep.\n\nChannel 0: for the taxation side of things for that money? Or is that...\n\nChannel 1: I think 10 or 15%. I'd have to have a look on my app, but I\n\nChannel 0: Yep.\n\nChannel 1: I had discussed this with my brother who is really up to\n\nChannel 0: Yep.\n\nChannel 1: date with all this finance stuff, and\n\nChannel 0: Beautiful.\n\nChannel 1: he sort of guided me through to what I should be putting away. So, yeah, I don't I don't want a text man looking at my door saying,\n\nChannel 0: No.\n\nChannel 1: you owe\n\nChannel 0: Of\n\nChannel 1: $20\n\nChannel 0: course not.\n\nChannel 1: in tax. Oh, oh,\n\nChannel 0: Absolutely.\n\nChannel 1: I have a panic attack.\n\nChannel 0: Absolutely. And did you want me to, as part of the advice, look at the best way to make those contributions? Because they are being contributed out of your bank account, we can do it in a way that might be more tax effective for you. Did you want me to look at that\n\nChannel 1: Yeah.\n\nChannel 0: for the contributions?\n\nChannel 1: Yes, please. Yeah.\n\nChannel 0: Yep. Beautiful. I can factor that in for you. Is there anything else that might be important that I may not have asked or have I missed anything that might be important to you to discuss today?\n\nChannel 1: No. No. No. I'm just\n\nChannel 0: No.\n\nChannel 1: really appreciative that you've that you've taken my call. I'm sorry that I\n\nChannel 0: Uh-huh. Of\n\nChannel 1: missed\n\nChannel 0: course.\n\nChannel 1: your call early this morning.\n\nChannel 0: No. You never have to apologize. That's why I always send a text message after because I know you are busy. You've had a lot going on, a lot of changes coming up. So it's really great to be able to update things and have a look at everything for you.\n\nI do want to, before I let you go, just rebook you in to sort of touch base in the next couple of weeks to go through the updated advice document for you there, Vivian.\n\nChannel 1: Yep.\n\nChannel 0: Is\n\nChannel 1: Perfect.\n\nChannel 0: there generally a day or time that suits you best moving forward?\n\nChannel 1: Yeah. A Monday would be good.\n\nChannel 0: Yeah. Absolutely. And we\n\nChannel 1: An\n\nChannel 0: normally\n\nChannel 1: 08:30.\n\nChannel 0: touch base 08:30 Queensland time.\n\nChannel 1: Yep.\n\nChannel 0: Absolutely. So let's have a look where... In October, I could do for you, say, in two weeks. So Monday, October 19, if you like. Would that suit you at all?\n\nChannel 1: Yeah. Perfect.\n\nChannel 0: Beautiful. Just to go back, I'll do the research and get the advice document done up. I'll give you a call at 08:30AM Queensland time on the October 19. I'll send you the calendar invite so that it comes through... The invite today...\n\nThe call comes through to let you know, and I'll add a text message reminder in there as well. So I'll send you a message an hour prior to let you know I'll be calling. If you missed the call, that's okay. Same as today. I'll send you a text message so you can call me back when you're available.\n\nOkay?\n\nChannel 1: That'll be fine. Thank you so much. Really appreciate\n\nChannel 0: That's\n\nChannel 1: it.\n\nChannel 0: okay. Not a problem at all, Vivian. If I do need anything additional, I'll come back and double check with you. But at the moment, we've got everything we need to be able to move forward and update this strategy for you. Okay.\n\nChannel 1: Thank you so much.\n\nChannel 0: Oh, not a problem. Enjoy your week. I hope you have a good day.\n\nChannel 1: Thank you, and you too, Dana.\n\nChannel 0: Thanks, Vivian. I'll talk to you soon.\n\nChannel 1: Thank you. Likewise. Bye\n\nChannel 0: Thanks.\n\nChannel 1: bye.\n\nChannel 0: See you later. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":1.1999999,"end":1.4399999,"sentiment":"neutral","sentiment_score":0.17915818095207214},{"text":"Good morning, Vivian.","start":1.4399999,"end":2.48,"sentiment":"positive","sentiment_score":0.3964090744654338},{"text":"This is Dana.","start":2.48,"end":3.12,"sentiment":"neutral","sentiment_score":0.3260796169439952},{"text":"How are you today?","start":3.12,"end":4.18,"sentiment":"positive","sentiment_score":0.35707618296146393}],"sentiment":"positive","sentiment_score":0.3431753624569286,"channel":0,"num_words":11,"start":1.1999999,"end":4.18},{"sentences":[{"text":"I'm good.","start":5.04,"end":5.6,"sentiment":"positive","sentiment_score":0.5331377983093262},{"text":"Thanks, Anna.","start":5.6,"end":6.3199997,"sentiment":"positive","sentiment_score":0.6053681671619415},{"text":"How are you?","start":6.3199997,"end":7.06,"sentiment":"positive","sentiment_score":0.41070815920829773}],"sentiment":"positive","sentiment_score":0.5013052012239184,"channel":1,"num_words":7,"start":5.04,"end":7.06},{"sentences":[{"text":"I'm very well.","start":7.3599997,"end":8.24,"sentiment":"positive","sentiment_score":0.6078250805536906},{"text":"Thank you.","start":8.24,"end":8.559999,"sentiment":"positive","sentiment_score":0.6870052814483643},{"text":"Thanks for returning my call.","start":8.559999,"end":10.26,"sentiment":"positive","sentiment_score":0.5960241913795471},{"text":"Vivian, I had you booked in this morning for a bit of a catch up and a 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is the cash savings.","start":877.595,"end":879.915,"sentiment":"neutral","sentiment_score":0.00799668456117312},{"text":"Now you did have sort of 15,000 sitting in cash savings.","start":879.915,"end":883.035,"sentiment":"neutral","sentiment_score":-0.0031341321935707874},{"text":"I know you've taken some money out and had quite a lot going on.","start":883.035,"end":886.235,"sentiment":"neutral","sentiment_score":-0.0492990855127573}],"sentiment":"neutral","sentiment_score":0.015377302144077561,"channel":0,"num_words":42,"start":874.96,"end":886.235},{"sentences":[{"text":"Do you still have anything sitting in savings at the moment?","start":886.235,"end":889.375,"sentiment":"neutral","sentiment_score":-0.04459067400206219}],"sentiment":"neutral","sentiment_score":-0.04459067400206219,"channel":0,"num_words":11,"start":886.235,"end":889.375},{"sentences":[{"text":"No.","start":890.31995,"end":890.56,"sentiment":"neutral","sentiment_score":-0.18773846328258512},{"text":"I've changed 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might be important that I may not have asked or have I missed anything that might be important to you to discuss today?","start":1490.6499,"end":1497.47,"sentiment":"neutral","sentiment_score":0.06858846086210438}],"sentiment":"neutral","sentiment_score":0.09648746065795422,"channel":0,"num_words":37,"start":1487.45,"end":1497.47},{"sentences":[{"text":"No.","start":1497.3949,"end":1497.6349,"sentiment":"neutral","sentiment_score":-0.1741524487733841},{"text":"No.","start":1497.6349,"end":1498.115,"sentiment":"neutral","sentiment_score":-0.1579049974679947},{"text":"No.","start":1498.115,"end":1498.595,"sentiment":"neutral","sentiment_score":-0.19519999623298645},{"text":"I'm 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I","start":1502.89,"end":1503.93,"sentiment":"neutral","sentiment_score":-0.2196192815899849}],"sentiment":"neutral","sentiment_score":-0.10827119952927415,"channel":1,"num_words":13,"start":1498.995,"end":1503.93},{"sentences":[{"text":"Uh-huh.","start":1503.805,"end":1503.885,"sentiment":"neutral","sentiment_score":-0.13151128590106964},{"text":"Of","start":1503.885,"end":1504.125,"sentiment":"neutral","sentiment_score":-0.06793190538883209}],"sentiment":"neutral","sentiment_score":-0.09972159564495087,"channel":0,"num_words":2,"start":1503.805,"end":1504.125},{"sentences":[{"text":"missed","start":1503.93,"end":1504.25,"sentiment":"neutral","sentiment_score":-0.038842570036649704}],"sentiment":"neutral","sentiment_score":-0.038842570036649704,"channel":1,"num_words":1,"start":1503.93,"end":1504.25},{"sentences":[{"text":"course.","start":1504.125,"end":1504.625,"sentiment":"neutral","sentiment_score":-0.024912625551223755}],"sentiment":"neutral","sentiment_score":-0.024912625551223755,"channel":0,"num_words":1,"start":1504.125,"end":1504.625},{"sentences":[{"text":"your call early this morning.","start":1504.25,"end":1505.7101,"sentiment":"neutral","sentiment_score":-0.015673887729644776}],"sentiment":"neutral","sentiment_score":-0.015673887729644776,"channel":1,"num_words":5,"start":1504.25,"end":1505.7101},{"sentences":[{"text":"No.","start":1506.365,"end":1506.685,"sentiment":"neutral","sentiment_score":0.015471745282411575},{"text":"You never have to apologize.","start":1506.685,"end":1508.145,"sentiment":"neutral","sentiment_score":0.008435368537902832},{"text":"That's why I always send a text message after because I know you are busy.","start":1508.285,"end":1511.165,"sentiment":"neutral","sentiment_score":0.030984663218259812},{"text":"You've had a lot going on, a lot of changes coming up.","start":1511.165,"end":1514.0199,"sentiment":"neutral","sentiment_score":0.06995495408773422},{"text":"So it's really great to be able to update things and have a look at everything for you.","start":1514.0199,"end":1518.2,"sentiment":"positive","sentiment_score":0.6785631891753938}],"sentiment":"neutral","sentiment_score":0.2661963802050142,"channel":0,"num_words":51,"start":1506.365,"end":1518.2},{"sentences":[{"text":"I do want to, before I let you go, just rebook you in to sort of touch base in the next couple of weeks to go through the updated advice document for you there, Vivian.","start":1518.74,"end":1527.3999,"sentiment":"neutral","sentiment_score":0.17082820257970266}],"sentiment":"neutral","sentiment_score":0.17082820257970266,"channel":0,"num_words":35,"start":1518.74,"end":1527.3999},{"sentences":[{"text":"Yep.","start":1528.265,"end":1528.585,"sentiment":"neutral","sentiment_score":0.23206190764904025}],"sentiment":"neutral","sentiment_score":0.23206190764904025,"channel":1,"num_words":1,"start":1528.265,"end":1528.585},{"sentences":[{"text":"Is","start":1528.465,"end":1528.7849,"sentiment":"positive","sentiment_score":0.3560938239097595}],"sentiment":"positive","sentiment_score":0.3560938239097595,"channel":0,"num_words":1,"start":1528.465,"end":1528.7849},{"sentences":[{"text":"Perfect.","start":1528.585,"end":1529.085,"sentiment":"positive","sentiment_score":0.5139598846435547}],"sentiment":"positive","sentiment_score":0.5139598846435547,"channel":1,"num_words":1,"start":1528.585,"end":1529.085},{"sentences":[{"text":"there generally a day or time that suits you best moving forward?","start":1528.7849,"end":1532.885,"sentiment":"neutral","sentiment_score":0.2972731937964757}],"sentiment":"neutral","sentiment_score":0.2972731937964757,"channel":0,"num_words":12,"start":1528.7849,"end":1532.885},{"sentences":[{"text":"Yeah.","start":1533.01,"end":1533.49,"sentiment":"neutral","sentiment_score":0.17005503177642822},{"text":"A Monday would be good.","start":1533.49,"end":1535.51,"sentiment":"neutral","sentiment_score":0.21718710064888}],"sentiment":"neutral","sentiment_score":0.20933175583680472,"channel":1,"num_words":6,"start":1533.01,"end":1535.51},{"sentences":[{"text":"Yeah.","start":1536.065,"end":1536.5449,"sentiment":"neutral","sentiment_score":0.17244315147399902},{"text":"Absolutely.","start":1536.5449,"end":1537.0449,"sentiment":"neutral","sentiment_score":0.1847628355026245},{"text":"And 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time.","start":1538.865,"end":1542.51,"sentiment":"neutral","sentiment_score":0.05722778886556625}],"sentiment":"neutral","sentiment_score":0.05722778886556625,"channel":0,"num_words":5,"start":1538.865,"end":1542.51},{"sentences":[{"text":"Yep.","start":1543.49,"end":1543.99,"sentiment":"neutral","sentiment_score":0.0921533703804016}],"sentiment":"neutral","sentiment_score":0.0921533703804016,"channel":1,"num_words":1,"start":1543.49,"end":1543.99},{"sentences":[{"text":"Absolutely.","start":1545.13,"end":1545.63,"sentiment":"neutral","sentiment_score":0.12389301508665083},{"text":"So let's have a look where...","start":1545.85,"end":1548.11,"sentiment":"neutral","sentiment_score":0.06865776951114337},{"text":"In October, I could do for you, say, in two weeks.","start":1548.89,"end":1554.105,"sentiment":"neutral","sentiment_score":0.06646716120568189},{"text":"So Monday, October 19, if you like.","start":1554.1849,"end":1556.825,"sentiment":"neutral","sentiment_score":0.08747575857809611},{"text":"Would that suit you at all?","start":1556.825,"end":1558.365,"sentiment":"neutral","sentiment_score":0.13119635730981827}],"sentiment":"neutral","sentiment_score":0.08601570513940626,"channel":0,"num_words":31,"start":1545.13,"end":1558.365},{"sentences":[{"text":"Yeah.","start":1558.865,"end":1559.2649,"sentiment":"neutral","sentiment_score":0.27174806594848633},{"text":"Perfect.","start":1559.2649,"end":1559.7649,"sentiment":"positive","sentiment_score":0.5638061761856079}],"sentiment":"positive","sentiment_score":0.4177771210670471,"channel":1,"num_words":2,"start":1558.865,"end":1559.7649},{"sentences":[{"text":"Beautiful.","start":1560.505,"end":1561.005,"sentiment":"positive","sentiment_score":0.6074581146240234},{"text":"Just to go back, I'll do the research and get the advice document done up.","start":1561.225,"end":1565.005,"sentiment":"neutral","sentiment_score":0.31681352655092876},{"text":"I'll give you a call at 08:30AM Queensland time on the October 19.","start":1565.225,"end":1569.63,"sentiment":"neutral","sentiment_score":0.11398580613044593},{"text":"I'll send you the calendar invite so that it comes through...","start":1569.63,"end":1574.11,"sentiment":"neutral","sentiment_score":0.10615345971150832},{"text":"The invite today...","start":1574.11,"end":1575.25,"sentiment":"neutral","sentiment_score":0.040515570590893425}],"sentiment":"neutral","sentiment_score":0.1890863083996052,"channel":0,"num_words":43,"start":1560.505,"end":1575.25},{"sentences":[{"text":"The call comes through to let you know, and I'll add a text message reminder in there as well.","start":1575.63,"end":1579.9501,"sentiment":"neutral","sentiment_score":0.13026276230812073},{"text":"So I'll send you a message an hour prior to let you know I'll be calling.","start":1579.9501,"end":1583.25,"sentiment":"neutral","sentiment_score":0.11655163951218128},{"text":"If you missed the call, that's okay.","start":1583.595,"end":1585.195,"sentiment":"neutral","sentiment_score":0.07690292650035449},{"text":"Same as today.","start":1585.195,"end":1585.915,"sentiment":"neutral","sentiment_score":0.21456738809744516},{"text":"I'll send you a text message so you can call me back when you're available.","start":1585.915,"end":1589.375,"sentiment":"neutral","sentiment_score":0.1509802410999934}],"sentiment":"neutral","sentiment_score":0.12977574970573186,"channel":0,"num_words":60,"start":1575.63,"end":1589.375},{"sentences":[{"text":"Okay?","start":1589.6749,"end":1590.1749,"sentiment":"neutral","sentiment_score":0.13838796317577362}],"sentiment":"neutral","sentiment_score":0.13838796317577362,"channel":0,"num_words":1,"start":1589.6749,"end":1590.1749},{"sentences":[{"text":"That'll be fine.","start":1590.43,"end":1591.2301,"sentiment":"neutral","sentiment_score":0.2685131033261617},{"text":"Thank you so much.","start":1591.2301,"end":1592.27,"sentiment":"positive","sentiment_score":0.6511142402887344},{"text":"Really appreciate","start":1592.27,"end":1592.99,"sentiment":"positive","sentiment_score":0.520968109369278}],"sentiment":"positive","sentiment_score":0.494659165541331,"channel":1,"num_words":9,"start":1590.43,"end":1592.99},{"sentences":[{"text":"That's","start":1592.7949,"end":1593.195,"sentiment":"neutral","sentiment_score":0.25752243399620056}],"sentiment":"neutral","sentiment_score":0.25752243399620056,"channel":0,"num_words":1,"start":1592.7949,"end":1593.195},{"sentences":[{"text":"it.","start":1592.99,"end":1593.49,"sentiment":"neutral","sentiment_score":0.2166142761707306}],"sentiment":"neutral","sentiment_score":0.2166142761707306,"channel":1,"num_words":1,"start":1592.99,"end":1593.49},{"sentences":[{"text":"okay.","start":1593.195,"end":1593.695,"sentiment":"neutral","sentiment_score":0.14500051736831665},{"text":"Not a problem at all, Vivian.","start":1593.755,"end":1595.195,"sentiment":"neutral","sentiment_score":0.1889959772427877},{"text":"If I do need anything additional, I'll come back and double check with you.","start":1595.195,"end":1598.23,"sentiment":"neutral","sentiment_score":-0.016567172083471502},{"text":"But at the moment, we've got everything we need to be able to move forward and update this strategy for you.","start":1598.23,"end":1603.2699,"sentiment":"neutral","sentiment_score":0.21411135721774327},{"text":"Okay.","start":1603.2699,"end":1603.7699,"sentiment":"positive","sentiment_score":0.4253138303756714}],"sentiment":"neutral","sentiment_score":0.13880670473499354,"channel":0,"num_words":43,"start":1593.195,"end":1603.7699},{"sentences":[{"text":"Thank you so much.","start":1604.045,"end":1605.265,"sentiment":"positive","sentiment_score":0.7881928235292435}],"sentiment":"positive","sentiment_score":0.7881928235292435,"channel":1,"num_words":4,"start":1604.045,"end":1605.265},{"sentences":[{"text":"Oh, not a problem.","start":1605.75,"end":1606.63,"sentiment":"positive","sentiment_score":0.5782341659069061},{"text":"Enjoy your week.","start":1606.63,"end":1607.51,"sentiment":"positive","sentiment_score":0.7685831387837728},{"text":"I hope you have a good day.","start":1607.51,"end":1609.0499,"sentiment":"positive","sentiment_score":0.7986343332699367}],"sentiment":"positive","sentiment_score":0.7292233152048928,"channel":0,"num_words":14,"start":1605.75,"end":1609.0499},{"sentences":[{"text":"Thank you, and you too, Dana.","start":1609.9149,"end":1611.615,"sentiment":"positive","sentiment_score":0.7552254895369211}],"sentiment":"positive","sentiment_score":0.7552254895369211,"channel":1,"num_words":6,"start":1609.9149,"end":1611.615},{"sentences":[{"text":"Thanks, Vivian.","start":1612.105,"end":1612.9049,"sentiment":"positive","sentiment_score":0.6927737295627594},{"text":"I'll talk to you soon.","start":1612.9049,"end":1614.125,"sentiment":"positive","sentiment_score":0.5390488147735596}],"sentiment":"positive","sentiment_score":0.5829702189990452,"channel":0,"num_words":7,"start":1612.105,"end":1614.125},{"sentences":[{"text":"Thank you.","start":1614.7949,"end":1615.355,"sentiment":"positive","sentiment_score":0.6500605344772339},{"text":"Likewise.","start":1615.355,"end":1615.855,"sentiment":"neutral","sentiment_score":0.3089596927165985},{"text":"Bye","start":1615.9949,"end":1616.235,"sentiment":"neutral","sentiment_score":0.25977686047554016}],"sentiment":"positive","sentiment_score":0.4672144055366516,"channel":1,"num_words":4,"start":1614.7949,"end":1616.235},{"sentences":[{"text":"Thanks.","start":1616.0249,"end":1616.5249,"sentiment":"positive","sentiment_score":0.4775064289569855}],"sentiment":"positive","sentiment_score":0.4775064289569855,"channel":0,"num_words":1,"start":1616.0249,"end":1616.5249},{"sentences":[{"text":"bye.","start":1616.235,"end":1616.735,"sentiment":"neutral","sentiment_score":0.329215407371521}],"sentiment":"neutral","sentiment_score":0.329215407371521,"channel":1,"num_words":1,"start":1616.235,"end":1616.735},{"sentences":[{"text":"See you later.","start":1616.825,"end":1617.5449,"sentiment":"positive","sentiment_score":0.3916813333829244},{"text":"Bye.","start":1617.5449,"end":1618.0449,"sentiment":"neutral","sentiment_score":0.188471257686615}],"sentiment":"positive","sentiment_score":0.34087881445884705,"channel":0,"num_words":4,"start":1616.825,"end":1618.0449},{"sentences":[{"text":"Bye.","start":1618.7949,"end":1619.2949,"sentiment":"neutral","sentiment_score":-0.12819190323352814}],"sentiment":"neutral","sentiment_score":-0.12819190323352814,"channel":1,"num_words":1,"start":1618.7949,"end":1619.2949}]},"summary":{"result":"success","short":"A customer named Vivian is speaking with an agent named Dana about a catch-up and review. Dana suggests updating Vivian's income and retirement strategy to determine if it is appropriate to update her advice. They discuss the risk of investing in growth assets and the possibility of increasing risk levels. The speakers also discuss the retirement of the customer's super and estate planning process. They mention updating the strategy and reviewing the TTR side of things. The agent explains how to transfer money from the customer's estate to their children and offers to send a call for further advice."},"intents":{"segments":[{"text":"Vivian, I had you booked in this morning for a bit of a catch up and a review. That's Yes. Sorry.","start_word":28,"end_word":48,"intents":[{"intent":"Schedule catch up","confidence_score":0.014445017}]},{"text":"I'd definitely love to have a bit of a catch up with you and see how everything's going, look at maybe updating the advice and seeing how things are tracking for you. Yeah.","start_word":84,"end_word":116,"intents":[{"intent":"Update advice","confidence_score":0.16781494}]},{"text":"Just sort of touching base with last time, so last conversation there, and I know you've taken the extra funds out as a bit of a buffer for that 15,000 withdrawal.","start_word":156,"end_word":186,"intents":[{"intent":"Check finances","confidence_score":0.00006874341}]},{"text":"now a bit the bullet that I have to do it. So I'm waiting for a a refund... Not a refund, a contribution amount to come back from my health fund, and then I'll Yep. stick straight back to the Super account again. Yeah.","start_word":407,"end_word":450,"intents":[{"intent":"Refund contributions","confidence_score":0.0107931215}]},{"text":"Did you want me to reassess and maybe see if that transfer time strategy might still work for you based on your current income? Yeah. Yeah.","start_word":1076,"end_word":1101,"intents":[{"intent":"Evaluate investment strategy","confidence_score":0.032652978}]},{"text":"I I have no idea about investment, and it's all... The whole world is a little bit, you know, in a dubious state at the moment. Yep.","start_word":1588,"end_word":1614,"intents":[{"intent":"Discuss investment options","confidence_score":0.038315374}]},{"text":"Would you also like me to maybe project out to say age 67, look at what we're projecting based on the advice, but then also maybe look at Centrelink at that time for you as well if appropriate. Does that sound like something Yep. you'd like me to maybe consider as an alternative? Yeah.","start_word":1802,"end_word":1855,"intents":[{"intent":"Review options","confidence_score":0.0043535656}]},{"text":"Did you want me to kinda go back and reassess it and maybe see if that TTR strategy can work for you, or are you happy just to maybe Yep.","start_word":2796,"end_word":2825,"intents":[{"intent":"Review tr strategy and review income","confidence_score":0.0064303917},{"intent":"Update strategy and review tr","confidence_score":0.18009554},{"intent":"Confirm tr strategy and review tr","confidence_score":7.7233807e-7}]},{"text":"do you think we should review that after Christmas, or do you think we should Yeah.","start_word":2850,"end_word":2865,"intents":[{"intent":"Discuss tr review","confidence_score":0.0041774786}]},{"text":"And when you get the rebate back from the, from the surgery, do you know how much that's expected to be? No.","start_word":3051,"end_word":3072,"intents":[{"intent":"Confirm check on rebate and additional details","confidence_score":3.9392017e-7}]},{"text":"So what... The way we could definitely look at doing this is with your super beneficiary, I would probably look at nominating your legal personal representative.","start_word":3545,"end_word":3570,"intents":[{"intent":"Represent super beneficiary","confidence_score":0.0006971693}]},{"text":"Then in your will, just speak to a solicitor and get that updated so that the portion that goes to your two children that are, you know, able and capable of handling the money is allocated in a certain percentage.","start_word":3603,"end_word":3642,"intents":[{"intent":"Update will","confidence_score":0.21204336}]},{"text":"I've got down here next two years looking at doing the aged care side of things, and you're doing that now, which is fantastic. So you've had those Yep. changes. Is there any other goals, sorry, down the track that you wanted me to sort of take into account for you? Or... Beautiful.","start_word":3776,"end_word":3828,"intents":[{"intent":"Arrange household care","confidence_score":1.6982252e-8}]},{"text":"Well, I've got basically everything I need at the moment. If there is anything additional that we need to sort of factor in, I will do so.","start_word":3835,"end_word":3861,"intents":[{"intent":"Add extra needs","confidence_score":0.08294095},{"intent":"Make recommendations","confidence_score":0.0000667487},{"intent":"Clarify needs","confidence_score":0.001900888}]},{"text":"Are you putting away an additional amount for the tax, or is that included in that 25%? No. No.","start_word":4042,"end_word":4060,"intents":[{"intent":"Confirm receipt of tax contributions","confidence_score":0.01903864}]},{"text":"Is there anything else that might be important that I may not have asked or have I missed anything that might be important to you to discuss today? No. No.","start_word":4237,"end_word":4266,"intents":[{"intent":"Discuss important issues","confidence_score":0.0031282238}]}]},"sentiments":{"segments":[{"text":"Hi.","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.17915818095207214},{"text":"Good morning, Vivian.","start_word":1,"end_word":3,"sentiment":"positive","sentiment_score":0.3954579532146454},{"text":"This is Dana.","start_word":4,"end_word":6,"sentiment":"neutral","sentiment_score":0.3117719292640686},{"text":"How are you today? I'm good. Thanks, Anna. How are you? I'm very well. Thank you. Thanks for returning my call.","start_word":7,"end_word":27,"sentiment":"positive","sentiment_score":0.534132182598114},{"text":"Vivian, I had you booked in this morning for a bit of a catch up and a review. That's Yes. Sorry. I missed that call at 08:30. Do you wanna reschedule it for that's... another It looks time? like... It's... It is honestly up to you. Do you have time to sort of go through things? I'd definitely love to have a bit of a catch up with you and see how everything's going, look at maybe updating the advice and seeing how things are tracking for you. Yeah. Yep. But just wanted Yep. to make sure that you've got enough time for it as well. It sounds like you're driving at the moment. Yeah. That's fine. You're on speaker, so I have enough time.","start_word":28,"end_word":152,"sentiment":"neutral","sentiment_score":0.08430296927690506},{"text":"Oh, fantastic. Lovely.","start_word":153,"end_word":155,"sentiment":"positive","sentiment_score":0.5281463265419006},{"text":"Just sort of touching base with last time, so last conversation there, and I know you've taken the extra funds out as a bit of a buffer for that 15,000 withdrawal. How's everything been going since... I know you were looking at getting a new job and studying, and there was a lot happening at the time that we spoke last time. What's been... What's changed in your life so far? So I am a sole trader now, and I've been putting Yes. money aside for my super. Yes. I just need to work out now what accounts to transfer to. And I... Honestly, I've had a son with severe mental health condition. Oh. And, yeah, I... I've had to focus on him for a bit. He's now gone back to Sydney to be with his dad. So Yeah. Yeah. now now I will be able to just focus a little bit more on on what I can contribute because every time I get paid, part of it... I think I've done 20 or 25% gets taken out and put into a different bank account so I know Yeah. that's Yep. super and that's for tax. Yes.","start_word":156,"end_word":352,"sentiment":"neutral","sentiment_score":-0.005703729355168827},{"text":"Beautiful. And Beautiful.","start_word":353,"end_word":355,"sentiment":"positive","sentiment_score":0.54180508852005},{"text":"the the withdrawal was because I had major surgery.","start_word":356,"end_word":364,"sentiment":"neutral","sentiment_score":-0.1683841049671173},{"text":"I had a breast reduction because my back was really so painful.","start_word":365,"end_word":376,"sentiment":"negative","sentiment_score":-0.34245625138282776},{"text":"Beautiful. Yeah. Yeah. So there was something on my list that I I had to do, but never really had the time or the funds to do it. And Yeah. now a bit the bullet that I have to do it. So I'm waiting for a a refund... Not a refund, a contribution amount to come back from my health fund, and then I'll Yep. stick straight back to the Super account again. Yeah.","start_word":377,"end_word":450,"sentiment":"neutral","sentiment_score":0.0011337673058733344},{"text":"Beautiful. Not a problem at all. So just sort of looking forward with those extra contributions there, I'm happy to send you the information so that you can contribute the funds back into super.","start_word":451,"end_word":484,"sentiment":"positive","sentiment_score":0.5211815237998962},{"text":"Not a problem. Would you like That'll me just speak to update right. the advice? That's okay. Would you like me to also maybe update the advice to reflect the regular contribution going in, how that can look for you, and just sorta update the advice strategy to reflect those changes in your circumstances, or are you happy Yeah. just to recontribute the money back? What would you prefer me to do? No. That's fine. That Yeah.","start_word":485,"end_word":561,"sentiment":"neutral","sentiment_score":0.07255356758832932},{"text":"that sounds like a good plan. And that way, Beautiful.","start_word":562,"end_word":571,"sentiment":"positive","sentiment_score":0.45538175106048584},{"text":"I can actually set the account up to go straight into the super rather than me having to do the transfer every, you know, week or fortnight, whatever it is. Yeah. Absolutely. Not a problem at all. Well, what I'll do now, the... You're technically just a sole trader at the moment. So you're setting aside a certain amount of money for your contributions. Is it a certain Yes. percentage that you're setting aside for your regular contributions in the super? Yes. Yep. What percentage is just for the contributions? I think I've settled at 25%. 25% for super contributions. Beautiful. And what are you sort of estimating your income should be this year, do you think? Or what is your regular income looking like at the moment? I am trying to work that out because I I picked up jobs from a platform called Mhmm. Bay Hall, which is dedicated to Yep. NCIS patients. Yep. And they they pay for... I mean, they pay every Wednesday, but it's not that... Not always that you can get your invoice in real time. So I'm thinking probably 1,100 a week. 1,100 per week. Yep.","start_word":572,"end_word":764,"sentiment":"neutral","sentiment_score":0.06650205613765384},{"text":"Beautiful.","start_word":765,"end_word":765,"sentiment":"positive","sentiment_score":0.47431033849716187},{"text":"And then there's also tax to consider on top of that. So that would be your gross weekly income. Yeah. I think 1,000 is maybe my gross income. Correct. Beautiful. Worst income. Beautiful. I can use that as a bit of a base to have a look at the numbers.","start_word":766,"end_word":815,"sentiment":"neutral","sentiment_score":0.11223331093788148},{"text":"Absolutely perfectly fine.","start_word":816,"end_word":818,"sentiment":"positive","sentiment_score":0.4288894236087799},{"text":"And are you still sort of thinking... I know one of the things we talked about was that you were looking to sort of continue working until, you know, sort of your late sixties. When you sort of think Yeah. about when you might wanna stop working fully and fully retire and draw an income out of your super, what kinda age are you sort of thinking now might be your goal? Maybe 70. 70? Yep. Yeah. Yeah. Yeah. But 50. maybe not even. I mean, it depends on what's... I've... It depends on the jobs that I've got and that I'm getting. At the moment, Yeah. what's... You know, a couple of really lovely clients, and I hope to keep them. But there's no reason why I can't pick up any more, Yeah. But Yeah. I definitely That's have okay. already sort of started a little bit more of a a little bit more relaxed lifestyle rather than this to be a precious nine to five and, you know, 300 emails a day. Yeah. Yeah. Absolutely. No. That's okay. Well, what I'm sort of thinking is I know one of the things we talked about last time was looking at that trends your retirement strategy. With your work and how it has sort of changed, it does sort of feel like that might not be appropriate to sort of follow through with at the moment. So I might just look at the advice and look at the contributions going in. Does that sound okay with you? Did you want me to reassess and maybe see if that transfer time strategy might still work for you based on your current income? Yeah. Yeah. And do you think I should with my super? I know that I'm going... I know I'm in this protective thing that I don't really wanna risk putting it all on something and losing it. Yeah. Yeah. No. Absolutely. The investment. Yes. So sorry. The phone just cut out. I do apologize there, Vivian. So having a look at that at the moment. Now when we sort of did the advice last time, we put you into a risk category, and that was more balanced. So that's sort of more on the lowest sort of end of the scale when you think about risk out of a number between one and five, five obviously being the highest level of risk, one being the lowest, you're sort of sitting at around about a two there. So it isn't the highest level of risk. It sees about 60% of your super invested in growth assets, so, like, shares, and then the other sort of 40% in lower risk defensive investments. Think about things like cash, bonds, and fixed interest there. So you are realistically on that kinda lower end of the scale, which is absolutely fine for your age and stage. That balanced environment suit... Someone who has about three years before they're wanting to access their super, which is absolutely okay. We know with the likelihood of a negative return, it's expected around one in sort of every seven years. So it is relatively lower risk. There is always a level of risk involved with investing in the markets, but you are kind of on that lower side there. Does that still feel Do fairly you think appropriate that should go to up? you? Do you think that I mean, should go you up? you absolutely could. We could look at increasing it a little bit more. Alternatively, if you wanted to, we could maybe keep you where you are for now. Just see how things track over maybe the next... Towards your next review, and then maybe see where things are at once you've kinda got that settlement in your work. You see the money coming in on a regular basis. The contributions Yeah. are starting to go in, and we kinda get a bit of an idea of where things are heading towards. I kind of... Yeah. I'm happy to move you up now if you'd really like to take on a little bit more risk, but I'm also kind of wary that taking on more risk means the likelihood of a negative return increases as well. So looking for regular, steady compounding returns is what we're kind of after with super. We wanna kinda build it and compound it over time. We're not Yeah. gonna get, you know, really amazing returns without that downside risk as well. What's your thoughts? Do you have more questions there? Is... What's within your comfort No. level? Look. I I have no idea about investment, and it's all... The whole world is a little bit, you know, in a dubious state at the moment. Yep. You never know what happens and what Trump's gonna do next and... Yeah. So I'm I'm going to go with whatever you would Yep. Yeah. That's more okay. experience with this than I do. Yeah. Yeah. Absolutely. That's not a problem at all. Look. What I'll probably do is I'll keep you in that balanced environment for the moment just so we get a bit more clarity around your income and see things kinda going in more regularly. I'll update Yep. the advice to reflect that. And then if you like, once we kinda come back from that Christmas break and your supersed had a bit of a chance to see some contributions going in to sort of go through a few months of ups and downs and we see what it's looking like, then we can always come back and review that and look to increase the risk level if you're comfortable to do so. Does that sound okay with you? Yeah. Yeah.","start_word":819,"end_word":1778,"sentiment":"neutral","sentiment_score":0.020583904425924025},{"text":"That sounds great. Beautiful. Excellent.","start_word":1779,"end_word":1783,"sentiment":"positive","sentiment_score":0.6981408596038818},{"text":"Now with your goal side of things, I can look at, obviously, 70 as you have mentioned. Would you also like me to maybe project out to say age 67, look at what we're projecting based on the advice, but then also maybe look at Centrelink at that time for you as well if appropriate. Does that sound like something Yep. you'd like me to maybe consider as an alternative? Yeah.","start_word":1784,"end_word":1854,"sentiment":"neutral","sentiment_score":0.06610109636061628},{"text":"That'd be great. Thank you.","start_word":1855,"end_word":1859,"sentiment":"positive","sentiment_score":0.56032794713974},{"text":"Yep.","start_word":1860,"end_word":1860,"sentiment":"neutral","sentiment_score":0.30666059255599976},{"text":"Beautiful. That's okay.","start_word":1861,"end_word":1863,"sentiment":"positive","sentiment_score":0.4056268036365509},{"text":"And you still got the investment property there as well. How's that going at the moment? I've got a permanent tenant in there. So his lease Beautiful. runs out, I think, in January. But Yep. if he signs for a year, then great. If he doesn't, I was thinking of making it an Airbnb because it's it's right on the beach. So I can't really go wrong with that. But Yep. Yep. let's... I just need to wait to see whether he will resign and... Yeah. Beautiful. Not a problem at all.","start_word":1864,"end_word":1955,"sentiment":"neutral","sentiment_score":0.05050006881356239},{"text":"Excellent.","start_word":1956,"end_word":1956,"sentiment":"positive","sentiment_score":0.3537754416465759},{"text":"And asset value on that investment property last time was around about 500,000. Would you alter or change that or keep it the same? Can you repeat that again? What was That's... that? You'll find the asset value. So the value of the investment property we have sitting at 500,000, would you keep that the same or change it? No. Change that to $5.30. $5.30. Beautiful. Excellent. Yeah. Because I'm keeping an eye on on the Yeah. Yep. particular block. Yep. Beautiful. And then I have down here you have a loan on that property of 480,000 as well. Is Yep. that still correct? Yeah. Yeah. Beautiful. And rent It's on gone that, we down were... a bit. It's Oh, has it? Roughly, gone... what do Yeah. you think It it has... might be at the moment? Not too sure, but just maybe leave it at $4.65. $4.65. Not a problem at all. And rent on that one you're receiving was about 600 per week. Is that still fairly accurate? Correct. Yep. Correct.","start_word":1957,"end_word":2129,"sentiment":"neutral","sentiment_score":0.032544344663619995},{"text":"Beautiful. Lovely.","start_word":2130,"end_word":2131,"sentiment":"positive","sentiment_score":0.5102984309196472},{"text":"And then it's negatively geared, that property as well, isn't it?","start_word":2132,"end_word":2142,"sentiment":"negative","sentiment_score":-0.345903605222702},{"text":"Yes. It is. And Yep. I got in Beautiful. just before Yeah.","start_word":2143,"end_word":2154,"sentiment":"neutral","sentiment_score":0.15640553832054138},{"text":"they changed the rules in Queensland, so that was good.","start_word":2155,"end_word":2164,"sentiment":"positive","sentiment_score":0.3407994210720062},{"text":"Yeah.","start_word":2165,"end_word":2165,"sentiment":"neutral","sentiment_score":0.250862717628479},{"text":"Absolutely.","start_word":2166,"end_word":2166,"sentiment":"positive","sentiment_score":0.356747031211853},{"text":"Absolutely. So I'll note that down there. What is your... Do you know what your pay or what is required to be paid on the loan for that investment property on a regular basis? I believe it's around about 2,900 and something, but just put down 3 because that's that's literally what I keep paying And that's per month? per month. Per month. Lovely. And do you know what the interest rate is on that property currently? 4.6. 4.60.","start_word":2167,"end_word":2245,"sentiment":"neutral","sentiment_score":0.009598327800631525},{"text":"Beautiful. Excellent.","start_word":2246,"end_word":2247,"sentiment":"positive","sentiment_score":0.41283923387527466},{"text":"And do you have any kind of idea as to what the regular management costs are that you're paying on that property? Or if you don't know, that's okay. Yeah. No. I do. It's about... It's it's it's 48 something, but this is rounded off to $50. $50 per week or per month? I Or think per week. Oh, per not week? sure of that. I don't That's know. okay. You... That's okay. And when you think about I other think costs per week. for the per week, lovely. Yeah. And other costs that you are sort of paying for the property, things like... Sorry. Rates, taxes, and things like that. What do you average that would be per year? So, like, insurances, Yep. 3,000. rates at about 3,000. 3,000. Beautiful. Yep. And the That's a landlord year. insurance, I believe, was about 180. A $180 per week or... Yeah. For the year. So... Yeah. Okay. Yep. Beautiful. Lovely. Just to factor those in, is there any other cost that you're outlying for the investment property that I haven't sort of factored in sitting here at the moment? No. No. Beautiful. Thank you for that. Just the other thing to look at here is the cash savings. Now you did have sort of 15,000 sitting in cash savings. I know you've taken some money out and had quite a lot going on. Do you still have anything sitting in savings at the moment? No. I've changed that account to the Subaru account. So Yep. No. That's okay. So I'll change it to super account.","start_word":2248,"end_word":2511,"sentiment":"neutral","sentiment_score":-0.001217051592627258},{"text":"Beautiful.","start_word":2512,"end_word":2512,"sentiment":"positive","sentiment_score":0.5999143123626709},{"text":"I've got your main primary residence sitting here, and the value on that last time no. was 680,000. Would you change or alter that value? No. Nope. That's okay. And then I've got down here your electric car as well, which had a value of 40,000. Would you change or alter that value at all? No. No. Beautiful. Is there any other assets or liabilities that I haven't got noted that you might want me to note down here? No. I've got an electric bike No. worth $3. Oh, beautiful. Let's note that down. Hopefully, the sun comes out so you can ride it. Oh, it's sunny here. Is it not sunny Oh, in is Brisbane? it? No. It's Yes.","start_word":2513,"end_word":2632,"sentiment":"neutral","sentiment_score":0.030982794240117073},{"text":"horrible and wet and rainy here at the moment.","start_word":2633,"end_word":2641,"sentiment":"negative","sentiment_score":-0.3553222119808197},{"text":"Oh, it's beautiful weather here. Oh, hopefully, our sun comes back out. We were lucky over the weekend. So I'll take the rain for the week, and then, hopefully, the sun comes back out for us for the weekend there. Yeah. Yeah. I hope so. I believe that a lot of places got a bit of a a hiding over the weekends. Like, Yeah. got tornado, and Sydney Yes. got got Yep. absolutely smashed with a bomb of rain. It was It's crazy. crazy, wasn't it? Yeah. Absolutely.","start_word":2642,"end_word":2729,"sentiment":"neutral","sentiment_score":0.05233381688594818},{"text":"Beautiful.","start_word":2730,"end_word":2730,"sentiment":"positive","sentiment_score":0.35228508710861206},{"text":"So just to kind of recap there, I've updated your strategy. We'll look at just the additional contributions going in. I'm sorry. I'm... The client did cut out for me before. I'm sort of thinking about, at the moment, we don't sort of revisit that trends, your time, and strategy. Just with the the changes in your income, it might not work very well. Did you want me to kinda go back and reassess it and maybe see if that TTR strategy can work for you, or are you happy just to maybe Yep. look at putting the contributions back in? What's more... What's preferred to yourself, Vivian? Well, I'm gonna put the contributions back in, obviously. But Yep. do you think we should review that after Christmas, or do you think we should Yeah. just Yeah. continue it? Let's maybe review that after Christmas when you have a little bit more of an idea of what your income is because at the moment, Yeah. you're still sort of getting it all sorted, building it up. It's a little... Probably a little bit more sporadic than what you, you know, would be getting on a regular basis. Let's sort of re... Yeah. Just update the strategy now to simplify things for you. Make sure your super is working, get those contributions back in, and then we maybe meet after Christmas again. We review the TTR side of things. We look at how your regular income is affecting you, and then also look at the risk profiling and see what your sleep has been doing. We kinda bring it back a little bit and just sort of do little stages. Does that sound okay for you?","start_word":2731,"end_word":3015,"sentiment":"neutral","sentiment_score":0.012485497457939282},{"text":"Perfect. Perfect. Yep. Beautiful. Excellent.","start_word":3016,"end_word":3020,"sentiment":"positive","sentiment_score":0.5140441656112671},{"text":"I'm noting here that super contributions were basing income on gross 1,100 per week, and you're putting away 25% of that on a weekly basis for super contributions. Yep. Yep. And when you get the rebate back from the, from the surgery, do you know how much that's expected to be? No. I don't know. No. That's But okay. whatever the amount is, it'll go straight back back in there. Straight. That's okay. We'll just work on the contribution side of things. That way, that additional can just be noted. If you let me know when you are ready to put that in just so I can, keep an eye on that for you.","start_word":3021,"end_word":3134,"sentiment":"neutral","sentiment_score":0.14556710422039032},{"text":"Absolutely fine.","start_word":3135,"end_word":3136,"sentiment":"positive","sentiment_score":0.3759397864341736},{"text":"Just looking at the other details here. So now you're working in NDIS now? Yep. So I'm working Yep. as a social support person with AIDS care and disability Yep. Wow. That's a very big job. My mom's an aged care nurse, and that's a very... It's a very demanding role. care. No. I'm not really. I mean, I... I'm I'm more on the social part. I Yep. didn't really want to do any heavy lifting, and I probably Yep. couldn't Yeah. do it anyway after my surgery. And, you know, doing enemas and that's for for Absolutely. for people, I just don't know. I don't want any of that anymore. So now more of the social aspect, trying to lift them up a little bit, make them more happier in life, take them out, make sure that they have a bit more quality lifestyle. Yeah.","start_word":3137,"end_word":3282,"sentiment":"neutral","sentiment_score":-0.04267294837595665},{"text":"Beautiful. That's fantastic.","start_word":3283,"end_word":3285,"sentiment":"positive","sentiment_score":0.5435526371002197},{"text":"And how many hours are you averaging working at the moment? Roughly five to six hours a day. Okay. Sometimes Beautiful. a And bit that's... more, sometimes Yep. a little bit less. Okay. And that's the five days a week? Yeah. Yep.","start_word":3286,"end_word":3327,"sentiment":"neutral","sentiment_score":0.025928106158971783},{"text":"Beautiful. Excellent.","start_word":3328,"end_word":3329,"sentiment":"positive","sentiment_score":0.40035945177078247},{"text":"And just double checking anything else I've got down here now. We sort of went over your estate planning. A while ago, you were still happy with everything there. I had noted here that if you pass away, you want your super to be paid as a death benefit to your three sons, and you've still got your Actually, will and power of we'll attorney. change that. Yep. Absolutely. What Yeah. would you like me to have noted there? I wanted to... I see... I don't know how to go about this stuff because my son has got a mental health problem, and Mhmm. he had an addiction to drugs. I actually don't want him to have any access to that money. And I had a chat to Daniel about it, and Yep. he said that I need to have a look at the fact that he and Stefan would be able to get that money. And then with with a clause, which I need to change my will, that's the money will still... His... For he'll still get his portion, but it will Mhmm. be distributed to him on... With a with a binding condition that the fact that he is, you know, sobriety and is able to lead a normal lifestyle. Yep.","start_word":3330,"end_word":3543,"sentiment":"neutral","sentiment_score":-0.015519074434153388},{"text":"Perfect.","start_word":3544,"end_word":3544,"sentiment":"positive","sentiment_score":0.5067176222801208},{"text":"So what... The way we could definitely look at doing this is with your super beneficiary, I would probably look at nominating your legal personal representative. So in the event that something occurs, all your super money is directed straight through to your estate. It also works well because all three of your kids are technically nontax dependent. Then in your will, just speak to a solicitor and get that updated so that the portion that goes to your two children that are, you know, able and capable of handling the money is allocated in a certain percentage. And then noted that the the portion that you want paid to your son that does have those extra needs and that you want those conditions to be applied, that all Yep. can be set up to your trust via your will. So you can add those conditions. You can have the money paid into a trust and paid out to him at a certain point in time utilizing conditions, and you nominate someone else to be the executor of that trust or the trustee of that trust, whether it be your other two children or another person, and they will be the ones that handle that money on his behalf. And all that Yep. gets done through your solicitor, so it can definitely be done that way. Yeah.","start_word":3545,"end_word":3771,"sentiment":"neutral","sentiment_score":0.13859117031097412},{"text":"Perfect. Yes. Excellent. Lovely. I've got down here next two years looking at doing the aged care side of things, and you're doing that now, which is fantastic.","start_word":3772,"end_word":3799,"sentiment":"positive","sentiment_score":0.49046432971954346},{"text":"So you've had those Yep. changes. Is there any other goals, sorry, down the track that you wanted me to sort of take into account for you? Or... Beautiful. No. Not at this stage. Absolutely. Well, I've got basically everything I need at the moment. If there is anything additional that we need to sort of factor in, I will do so. I will, sorry, also note down... I'm just double checking the fax line just to reconfirm. There's nothing additional we need to sort of note in there.","start_word":3800,"end_word":3888,"sentiment":"neutral","sentiment_score":0.05160123982016793},{"text":"Everything looks really good otherwise. Your sweeper has been working really nicely, really happy with what's happening.","start_word":3889,"end_word":3905,"sentiment":"positive","sentiment_score":0.645631730556488},{"text":"Obviously, that with that came out for the 15,000 has affected the returns there. But when I have a look at the returns from when you came on board in April up until that withdrawal was deducted, your super had made a bit of a $14,000. So it does essentially mean that Oh, that's that 15 good. thousand dollar withdrawal was essentially just the growth, which meant the capital was still almost fully intact there.","start_word":3906,"end_word":3980,"sentiment":"neutral","sentiment_score":0.026658261194825172},{"text":"So that is good. Wonderful.","start_word":3981,"end_word":3985,"sentiment":"positive","sentiment_score":0.572431743144989},{"text":"You made what you needed, and we'll make... We can make that back. You'll never get to the position you were without the withdrawal, but we can look to make that back and kinda keep it growing. Yep. I... Just with the tax side of things, so you mentioned you're putting away that 25% for super. Are you putting away an additional amount for the tax, or is that included in that 25%? No. No. No. That's additional. Additional? How much are you putting away Yep. for the taxation side of things for that money? Or is that... I think 10 or 15%. I'd have to have a look on my app, but I Yep. I had discussed this with my brother who is really up to Yep. date with all this finance stuff, and Beautiful. he sort of guided me through to what I should be putting away. So, yeah, I don't I don't want a text man looking at my door saying, No. you owe Of $20 course not. in tax. Oh, oh, Absolutely.","start_word":3986,"end_word":4161,"sentiment":"neutral","sentiment_score":0.037365399301052094},{"text":"I have a panic attack.","start_word":4162,"end_word":4166,"sentiment":"negative","sentiment_score":-0.3371897041797638},{"text":"Absolutely. And did you want me to, as part of the advice, look at the best way to make those contributions? Because they are being contributed out of your bank account, we can do it in a way that might be more tax effective for you. Did you want me to look at that Yeah. for the contributions? Yes, please. Yeah. Yep.","start_word":4167,"end_word":4228,"sentiment":"neutral","sentiment_score":0.03524882718920708},{"text":"Beautiful.","start_word":4229,"end_word":4229,"sentiment":"positive","sentiment_score":0.40812790393829346},{"text":"I can factor that in for you. Is there anything else that might be important that I may not have asked or have I missed anything that might be important to you to discuss today? No. No. No. I'm just No. really appreciative that you've that you've taken my call. I'm sorry that I Uh-huh. Of missed course. your call early this morning. No. You never have to apologize. That's why I always send a text message after because I know you are busy. You've had a lot going on, a lot of changes coming up.","start_word":4230,"end_word":4325,"sentiment":"neutral","sentiment_score":-0.0003053658874705434},{"text":"So it's really great to be able to update things and have a look at everything for you.","start_word":4326,"end_word":4343,"sentiment":"positive","sentiment_score":0.6689143776893616},{"text":"I do want to, before I let you go, just rebook you in to sort of touch base in the next couple of weeks to go through the updated advice document for you there, Vivian. Yep.","start_word":4344,"end_word":4379,"sentiment":"neutral","sentiment_score":0.1763111650943756},{"text":"Is Perfect.","start_word":4380,"end_word":4381,"sentiment":"positive","sentiment_score":0.4350268840789795},{"text":"there generally a day or time that suits you best moving forward? Yeah. A Monday would be good. Yeah. Absolutely. And we An normally 08:30. touch base 08:30 Queensland time. Yep. Absolutely. So let's have a look where... In October, I could do for you, say, in two weeks. So Monday, October 19, if you like. Would that suit you at all? Yeah.","start_word":4382,"end_word":4444,"sentiment":"neutral","sentiment_score":0.13585735857486725},{"text":"Perfect. Beautiful.","start_word":4445,"end_word":4446,"sentiment":"positive","sentiment_score":0.5856320858001709},{"text":"Just to go back, I'll do the research and get the advice document done up. I'll give you a call at 08:30AM Queensland time on the October 19. I'll send you the calendar invite so that it comes through... The invite today... The call comes through to let you know, and I'll add a text message reminder in there as well. So I'll send you a message an hour prior to let you know I'll be calling. If you missed the call, that's okay. Same as today. I'll send you a text message so you can call me back when you're available. Okay? That'll be fine.","start_word":4447,"end_word":4552,"sentiment":"neutral","sentiment_score":0.15437188744544983},{"text":"Thank you so much.","start_word":4553,"end_word":4556,"sentiment":"positive","sentiment_score":0.6380579471588135},{"text":"Really appreciate That's it. okay. Not a problem at all, Vivian. If I do need anything additional, I'll come back and double check with you. But at the moment, we've got everything we need to be able to move forward and update this strategy for you.","start_word":4557,"end_word":4602,"sentiment":"neutral","sentiment_score":0.14762398211852365},{"text":"Okay. Thank you so much. Oh, not a problem. Enjoy your week. I hope you have a good day. Thank you, and you too, Dana. Thanks, Vivian. I'll talk to you soon. Thank you.","start_word":4603,"end_word":4636,"sentiment":"positive","sentiment_score":0.6766922473907471},{"text":"Likewise.","start_word":4637,"end_word":4637,"sentiment":"neutral","sentiment_score":0.3089596927165985},{"text":"Bye Thanks.","start_word":4638,"end_word":4639,"sentiment":"positive","sentiment_score":0.3686416447162628},{"text":"bye.","start_word":4640,"end_word":4640,"sentiment":"neutral","sentiment_score":0.329215407371521},{"text":"See you later.","start_word":4641,"end_word":4643,"sentiment":"positive","sentiment_score":0.384199321269989},{"text":"Bye. Bye.","start_word":4644,"end_word":4645,"sentiment":"neutral","sentiment_score":0.16959063708782196}],"average":{"sentiment":"neutral","sentiment_score":0.06549239117426846}}}}