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If you can't No. That's okay. Alright. If you can't hear me, though, just ask me to repeat it, and I'll try to speak a bit louder for you. I had you booked in this morning for your annual review. Is now still a good time for you? Yep. Okay. Well, before I do go into the review, I'll just pass you through security, and then we can address what you wanted to talk about first. And then I can tie that into the annual review for you. Yes. I figured. Now just for security purposes, could I just get you to confirm your full name, date of birth, and address, please? Date of birth and address. Yep. Perfect. And before we do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Amazing. Now questions from you first of, I guess, why you wanted to have the conversation. Yeah. Yes. Of course. We can do that. And just confirming that that would be the attached outside life as well. Sorry. Let me get up your document just so I can explain it for you. So when we got your Nios, yes. Exactly. So with the trauma, now when we got that set up, we added a secondary life policy to it simply just to reduce the premium of your trauma. So what we can do, which is what we did for it is just your outside. So you still have another life policy inside super. It was yes. Perfect. Yeah. They just, like, linked together. So if I cancel one, it will cancel the other one. But the only reason we correct. Yes. So, yes, so what that would look like for you, just so you know, it would be that we would retain your life and TPD, which you have paid inside. But you will still have that, and that is 262,500. So that will stay in place. Now because your smokers' rate has been removed already, it's great. It's reduced the the smokers rate. Yeah. That has happened. Because I can see that Nios sent us a copy. It should they should have sent you a copy as well, but a confirmation to say it's been actioned. No. Yes. Yes. Yes. Yes. Okay. Yeah. No. No. That's yeah. And in the future too, because insurance can be tricky, they they don't always love when clients email them directly. They can be a little bit tricky that way. So to make it easy for you Yeah. Yeah. Yeah. Yeah. Right. Yes. It has been. Now if there's anything you need from insurances as well to make it your life easier, I'm happy for you to just email me or call me what you need, and then I will speak to Neos on your behalf to to make it easier because then we can push them. If they were to tell me what they told you, I I would be like, no. So if yeah. Yeah. Sorry. Anything you need for from either your super or your insurances, just email me, and then I will do that for you. I will get the team to forward you the copy of the email we got from yours anyway so that you have that copy. I'll get them to forward that. But, yes, I can see here that it has been removed, and it actually made the premium a lot cheaper for you. Yes. Yes. Sorry. I will I will run that through with you. Yes. Yes. Yes. And it's almost it's almost by half, which is great. Yes. Yes. Yes. Exactly. Yes. And double and I I do have a reminder. Yeah. And I do have that for him as well that we are looking at doing that as well. So which is great. So premium for you, if we start with inside super, it's been sorry. I'll just recap for you what it was. So it was let me see here. Actually, it doesn't tell me here. It does tell me that your new premium after rebate is $404. Now you have got a refund from Neos because they pro rata it because you weren't a smokers the whole the whole duration. So you've actually got a refund for the premium that you were paying more for of 483 into your super. Yeah. Massive difference. So reduce them by basically half for you, which is fantastic. Let me let me add that up for you if I can see it. No. That's okay. Sorry. It would have been 83 plus about 887 around that, and it's now down yes. Exactly. So with smokers, the insurers do add, like, a a loading, they call it, on the premium because of the increased risk. So they increase the premium, basically. So exactly. So great news. It's it's 404 now, which is fantastic. And, yeah, exactly. Now with the out yeah. Yep. Yeah. And now it's like, well, your health will benefit from it, and the premium will be reduced. So that's a win win. Yes. Yeah. Exactly. And sometimes it is slightly different for males and females. Insurers do work at a little bit different, so it might not be completely half for him, but it will be a big different it will be a big save. Now for your trauma, sorry, the the one you have out of pocket, which is the trauma, that's 52,500 as how much you were covered for, and then we do have a secondary life of the same amount simply just to reduce the cost for you. So we can go ahead and cancel both of those for you as long as, obviously, you understand that if you were to suffer those traumatic events, you won't have the cover in place. But I also understand cash flow and everything at the moment, especially with the fuel prices for you guys. I do completely get it. Yes. Yes. And I completely get that. Now for your reference as well, that has become cheaper for you out of pocket anyway, but we can still go ahead and cancel it. But I would just wanna let you know how much you changed. So it is now $25.52 a month, and it was $34.18 a month. So it has seen it reduced again for you because there's no smokers rate. You still wanna go ahead and cancel it? It's now when the the premium has been reduced for the out of pocket, you will see that the the new premium so moving forward, if you decide to keep it, it's $25.52 a month. So it's about $6 30 eight a week. Correct. You exactly. You were paying a lot more because of the smoker's rate, and now that's been removed for you. It had almost half it again. Yes. Yes. They do increase with age, which is one of those things that you become older. So the the smokers is the biggest thing to make it cheaper. So it's up to you. Yes. Twenty five fifty two. So 25 dollars and 52¢ a month, and it was closer to it was 40 something before. Yes. So you should, again, see if you haven't keep a lookout on your bank account because they have refunded you as well for the out of pocket expense. So you should have about 20 $5. Yeah. Yeah. Okay. Yes. A massive difference. Because what we can do is we can just keep it for the time being if you want. You can still cancel it whenever you want to. Yep. Yes. He can reapply. So he can't reinstate it, but he can reapply. So we could look at how much a new policy would cost as long as nothing has changed with his health. Like, the only risk would be if he has a health issue or an severe injury or anything that would restrict him being able to get it. But when it's yeah. So we could if he wanted to when we do look at when the smoke and thread has been removed for him and he knows the new premium, if he wants to revisit it, just tell him to give me a call. I can run the numbers, and then we can see what he wants to do. Yeah. Yeah. Massive difference. So I will keep yours. Yes. Yes. And if anything changed, like, the good thing with the the policy, you can cancel whenever you want to. So if anything does change down the track, you can it doesn't have to you can you can call me or email me whenever you want to and say, hi. I don't want it anymore. But it has reduced significantly, so I think it's good through to leave it for now, see how you go with, obviously, cash flow and everything. Yeah. Yep. Beautiful. No. That's so good. So great news for that. Now I will like I said, I will get the team to forward you that email anyway that outlines the refund just so you have an inviting from them, which is great. Now with your under review, sorry. I have sent you a document. Now I know you're driving at the moment, so don't have a look at them now. But when you have a have a moment later, it is to give you a bit of a an overview of your account. So part of the document so when you have a look at it, it will say sign documents. Before you press sign documents, you will see a couple of attachments at the bottom of that email. Now what you will see there is a summary of your insurances like we just touched on. I have included a new run done from Neos as well so that you can see it. It also outlines your superannuation. So you have majority of your super in hub 24. Now you do have about $49,700 in there at the moment. And then we do have yeah. Very soon. Yeah. Yeah. It has. And to be fair, the last twelve months have been quite turbulent. So you you guys have seen, obviously you can never time the market. You never know what's going to happen. But the last twelve months exactly. At least the good thing is you if exactly. The good thing is as well, if you do see it, keep an eye on it every now then, you will see the movement. So you you would be aware that sometimes it goes up a lot, and you're like, yay. And the next time, it's like, oh. But they they how it is, it's it's obviously long term for you. No. Yeah. That's a bit better. Can you hear me okay? Yes. Oh, nice. And that is how your portfolio and everything has been designed as well. So we're obviously trying to structure your investments in the way that, you know, some areas are doing really well. Otherwise, there's a bit more kind of up and down through them kind of negate each other. Because, you know, when everything in an area where, like, some years, it's like, oh, wow. That's amazing. And then other years, it's like, oh, it's down quite a bit. So you obviously want kind of Yes. And it is it is quite a sophisticated platform that sometimes it's harder to get get an idea of to start with. Yep. If you do at any point want me to guide you through the web, like, the the app or anything, let me know because I use Hub 24 myself, so I can see it on my mobile phone from a client point of view as well. Because, obviously, otherwise, I see it from the adviser side on my computer, which looks different because I have access to other things. But if it ever is that you do want it, sometimes it can be confusing because it shows you all the investments, the movements, and everything. And if if you don't know Yes. Exactly. And the I have sent you a performance report in the document, which is usually the best way through or most people find it the most useful. Now it still can be a little bit messy, but it breaks down all your individual investments. And we do a 12 monthly report after fees to show you everything net of fees, and it shows you all your investments. So when you have a look at it, you will see that the return on the investment sums up a lot, sums not so much, and that's kind of with that with that balance. So when you do have a look at it, you will see that the strongest contributors were your US investments were were really good. Mhmm. And, also, your gold was doing amazing. And your your gold, a bit of that gold in your portfolio, like the defensive physical gold, yeah, that's kind of gone through the roof, which is really good. And also some of the tech investments have done really well. Yeah. Yeah. Also, your JPMorgan assets, your quality Australian companies have done really well. The areas where we have seen a little bit more turbulent or fluctuation is that there is actually one investment I do want to look at changing for you if you are happy with that, and that is your Benelon Australian equity. Now that one has recently underperformed a little bit. And if that is ever a situation, then we do wanna look at changing it if we could see it not come back coming back around. So sometimes we have different investments there. It's like like, for example, the India investment at the moment. It is a little bit down at the moment, but it's more so due to market rotation and short term fluctuations. So we do very much still believe in that and see it come back around. We don't wanna change anything if it's down at the moment. You don't wanna obviously sell out when the prices are down unless we foresee it not come back around. So with the Benelon Australian equity, now the purpose of that investment was to kind of actively buy and sell different investment in order to try to outperform the market, which they had done and were performing really well. More recently, they've been a little bit slower in making those decisions, and we've done a lot of research on it. And if we do foresee that it's not going to be the best option for you moving forward, then we wanna change it. But the good thing with HUB 24 is that there are hundreds of different options for us to choose from to make sure that at all points in time, we have you in the best option possible because things are always changing. And that is also why the underreviews are so good, but also during during the year. If there's anything that we foresee, oh, like, market trends, changes are happening. Let's let's look at making those changes, and we will let you know. The choice is still obviously yeah. Yeah. Because we've had a bit of a look at it, and the one we're looking at changing it for, it's called beta shares a 200. So if we are swapping an Australian investment, we do wanna swap it for kind of a like for like investment in a way because we don't wanna put too much in, like, The US market or the global. We wanna make sure we keep it diversified. If we remove a bit of Australian yeah. So we wanna keep that. Now the beta says a 200, it is a little bit cheaper because you don't have that same kind of active buying and selling. So how it is is slightly different either is mainly tracking the 200 largest companies listed in Australia. So very diversified. All your big companies yes. Exactly. It is performing better, and it is a little bit cheaper for you as well, which is great. So moving forward, yeah, moving forward, it should say, hopefully again, you never know what's happening with the war and how things are happening, but it should smooth things out a little bit with removing that Benelon investment. So if you are happy with that, what I will do is I will send you something that's called a record of advice. Now you don't need to sign it. It is just for your reference to let you know that we have made that one investment change. Exactly. So if you, yeah, if you're happy with that, I will action that document for you. Amazing. And then send it, yeah, and send it through to you. And, yeah, that's, like, the really good thing with with Hub twenty four and also us as well that we do kind of take more of that proactive approach, and we don't wanna just leave it and then five is down to track if we're like, oh, this one hasn't done to what we wanna change it sooner rather than later if we foresee that. So we'll we'll go ahead and do that for you. Now other documents you will see is you will see an updated version of their financial services guide. Now that was that kind of compliance document, same as what we went through last year. It's just a bit of an updated version. Now we've had some extension to the team, which is great. So when you have a look at it, you will see all the photos of their directors, all their advices. Yeah. Four of us. It's a bit of updated marketing photos. I'm still in there, a new updated photo. So it's all in there for you. Otherwise, it will then ask you to sign through documents if you're happy to do so. Now that will be a ongoing service agreement, and that is just to say that you're happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure. It stays exactly the same at that discounted 1.1% because, obviously, you are both a client that stays the same. No changes whatsoever. Yeah. Exactly. No. We don't wanna do that. That stays the same. And as per last time, it is not a lock in contract. So if at any point in time, you are not happy, not a lock in contract, no extra fees or anything like that. But this just lets us, you know, keep servicing and managing your account and everything in the meantime there for you. And the other one it will ask you to sign, it is just a tax file number form, and that is just a compliance form to say we are keeping your tax file number secure and safe on file. So when you have a moment, have a look through the document. Any questions, let me know. If not, if it all makes sense, I will just need you to sign those documents. It is electronic to make it nice and easy. And once you finish, yeah, once you finish signing, it will automatically send it back to me. I will let the team know it will get that all sorted. We will keep the trauma for now, but if anything changed, just email or call me. And I will also send you that document just to switch that investment. The other thing I do wanna just confirm with you is with your investment, you do have you invested in a growth portfolio. Now I know last time, we went through kind of an extensive risk profile questionnaire to see how you feel about fluctuations and everything. Has any of that changed or are you still kind of comfortable with the same, risk profile, your growth? Yes. Yes. Amazing. And you still have plenty of time until retirement. So you're definitely in a good position. You do have time for those short term fluctuations in order to grow at long term. So we will leave all of that. Now the last thing I do need to quickly run through with you, Heather, is just a bit of an updated Slack line just to see if there's anything major that has changed. Yeah. Yes. Sorry. I have all of that. And I know that, obviously, fuel prices and everything lacks that. Is there a bit of, like, uncertainty for you around work at the moment, or is still kind of yeah? Yeah. Yeah. Yeah. Yes. Yeah. Bit of deduction. Yeah. It it was on Hayden's, so he may not have seen it on your account. Now I know that you guys have things together. Sorry. I it's all added. Yeah. Yeah. No. Yes. Yes. No. I have all of that. And no. And that's fine. And I think that's what he did as well. So I have all of those updated information, and it's often as well for for privacy sometimes as well. You can't disclose partners and stuff, but you guys do have that, so we can. And, obviously, I know you guys. Yeah. Exactly. So let me see if there was anything here. The only thing I can see that we didn't ask you was, do you have private health insurance? No. Alright. Yes. Mhmm. Yes. Yep. Yep. Yes. Not necessarily. It doesn't change. It it would just change if you are liable to pay the medical levy surcharge if we were doing exactly. So if you were looking at doing different if we were looking at doing more, you know, contribution strategies or something like that, it is really good to know because it does change the tax outcome. Yeah. Because one good portal actually for you, if you do are interested, is is something that's called paycalculator. Just paycalculator.com.au. And yeah. And and this exactly. Yeah. Yes. Yes. Yes. It keeps the individual let me triple check. The individual is one zero one, because sometimes it's based on that. But let me just triple check because it changes every every financial year. Yeah. Exactly. So it's now up through a 101 for individuals and families and couples over two zero two. Two zero two. Yes. Yes. Yes. And that is to the side where most people use it. Some people are like, oh, I don't see the point in having it. And I was like, that's fine. Just check it from the tax. Yes. Yes. Which is great. Now on so you can check it as well how much. You can always call me if you're unsure, and I can calculate it for you. But even on the ATO website, they actually have a little table, and it shows you the different rates. So if your combined income is between $2.00 2 and 236, the levy the levy start charge is 1%. And then it goes up to 1.5 if it's combined $3.16. So it is definitely worth considering if you guys go above $2.00 2 just to see, yeah, okay, how much is the the private health, but how much are we saving on tax as well? And sometimes sometimes depending on the the income, it's actually cheaper. Sometimes it's a little bit more, but then you do have private health instead, and you don't pay additional tax. So definitely. Exactly. Yep. Amazing. Definitely have a look at it, yeah, especially with the little pay increase in in the family. And, yeah, if you have any issues or questions, you can always just let me know, and I can always run the numbers for you. That is no problem. But that was basically everything that I kind of needed to run through on my end for you there, Heather. Do you have any other questions for me or anything else at this point otherwise? No? Okay. Amazing. Yes. Yes. Yeah. And the kid's going up. Yeah. Yeah. Yeah. Yes. Yes. Makes it cheaper. Yeah. Massive. So I I will get who was the guy you spoke to when we booked you in, I'll get him to forward you that email for Neos with the rebate so you have it for you. So you can actually see see all of that. Now in the documents I did send you, you will have the new premium. If you forget, it's all in there. You can always call me if you're unsure. We'll leave it for now if anything. Yeah. Yes. Yes. And we'll we'll have a look. So when his premium does go down, I'll tell him to let me know as well if he wants to revisit it because then I can kind of run through that with him and see, okay. What's what how much is it? Now sometimes it is more expensive. Exactly. It would just be if he wants to really look at it. He can just call me, and I can run it, and then that gives him at least what's the premium. And then he can see whether it's worth it or not, what he would like to do. Yeah. Yeah. I do have a reminder here for the team to to get in touch with him. I think when I spoke to him, he told me the the month. So we'll reach out to him when it's gone that twelve months, and then we'll help him do it. Because sometimes it's easier than trying to go directly to the insurance, especially if they are a little bit tricky. So if there's ever anything you need for the insurance or super, just call me. It's easier for you. Yes. Yes. Amazing. Well, I will let you go and enjoy the rest of your afternoon. I will get the team to forward you the refund. I will also keep a lookout for for that record of advice just to show the change. But if anything does change otherwise to your end or together or anything, just let me know, and we can always do a catch up whenever you guys want to. Yeah. Yes. Yeah. So then yes. Exactly. Yeah. Once you have a bit more certainty on that jointly, and you can be on the phone together as well if you want to do that. We could, yeah, we could do that. As long as that's Yeah. Beautiful. You have my email. Otherwise, just give the office a call, and they'll book you in with me. No problem at all. I hope you enjoy the rest of your afternoon or days more so morning still. Oh, that's beautiful. Oh, hopefully, traffic traffic shouldn't be too bad by this time, hopefully. Yeah. No. It was raining here as well, but it's sunny now on in Southport. So hopefully yeah. Yeah. Hopefully. Well, have a safe drive, and I look forward to speaking with you soon again. No worries. Speak to you soon. 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morning, Heather. This is Veronica from OQ Financial. How are you? That's okay. Can you hear me?\n\nOkay. I'll see if I can turn it up a little bit, but I think I do have it on max. Okay. If you can't No. That's okay.\n\nAlright. If you can't hear me, though, just ask me to repeat it, and I'll try to speak a bit louder for you. I had you booked in this morning for your annual review. Is now still a good time for you? Yep.\n\nOkay. Well, before I do go into the review, I'll just pass you through security, and then we can address what you wanted to talk about first. And then I can tie that into the annual review for you. Yes. I figured.\n\nNow just for security purposes, could I just get you to confirm your full name, date of birth, and address, please? Date of birth and address. Yep. Perfect. And before we do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nAmazing. Now questions from you first of, I guess, why you wanted to have the conversation. Yeah. Yes. Of course.\n\nWe can do that. And just confirming that that would be the attached outside life as well. Sorry. Let me get up your document just so I can explain it for you. So when we got your Nios, yes.\n\nExactly. So with the trauma, now when we got that set up, we added a secondary life policy to it simply just to reduce the premium of your trauma. So what we can do, which is what we did for it is just your outside. So you still have another life policy inside super. It was yes.\n\nPerfect. Yeah. They just, like, linked together. So if I cancel one, it will cancel the other one. But the only reason we correct.\n\nYes. So, yes, so what that would look like for you, just so you know, it would be that we would retain your life and TPD, which you have paid inside. But you will still have that, and that is 262,500. So that will stay in place. Now because your smokers' rate has been removed already, it's great.\n\nIt's reduced the the smokers rate. Yeah. That has happened. Because I can see that Nios sent us a copy. It should they should have sent you a copy as well, but a confirmation to say it's been actioned.\n\nNo. Yes. Yes. Yes. Yes.\n\nOkay. Yeah. No. No. That's yeah.\n\nAnd in the future too, because insurance can be tricky, they they don't always love when clients email them directly. They can be a little bit tricky that way. So to make it easy for you Yeah. Yeah. Yeah.\n\nYeah. Right. Yes. It has been. Now if there's anything you need from insurances as well to make it your life easier, I'm happy for you to just email me or call me what you need, and then I will speak to Neos on your behalf to to make it easier because then we can push them.\n\nIf they were to tell me what they told you, I I would be like, no. So if yeah. Yeah. Sorry. Anything you need for from either your super or your insurances, just email me, and then I will do that for you.\n\nI will get the team to forward you the copy of the email we got from yours anyway so that you have that copy. I'll get them to forward that. But, yes, I can see here that it has been removed, and it actually made the premium a lot cheaper for you. Yes. Yes.\n\nSorry. I will I will run that through with you. Yes. Yes. Yes.\n\nAnd it's almost it's almost by half, which is great. Yes. Yes. Yes. Exactly.\n\nYes. And double and I I do have a reminder. Yeah. And I do have that for him as well that we are looking at doing that as well. So which is great.\n\nSo premium for you, if we start with inside super, it's been sorry. I'll just recap for you what it was. So it was let me see here. Actually, it doesn't tell me here. It does tell me that your new premium after rebate is $404.\n\nNow you have got a refund from Neos because they pro rata it because you weren't a smokers the whole the whole duration. So you've actually got a refund for the premium that you were paying more for of 483 into your super. Yeah. Massive difference. So reduce them by basically half for you, which is fantastic.\n\nLet me let me add that up for you if I can see it. No. That's okay. Sorry. It would have been 83 plus about 887 around that, and it's now down yes.\n\nExactly. So with smokers, the insurers do add, like, a a loading, they call it, on the premium because of the increased risk. So they increase the premium, basically. So exactly. So great news.\n\nIt's it's 404 now, which is fantastic. And, yeah, exactly. Now with the out yeah. Yep. Yeah.\n\nAnd now it's like, well, your health will benefit from it, and the premium will be reduced. So that's a win win. Yes. Yeah. Exactly.\n\nAnd sometimes it is slightly different for males and females. Insurers do work at a little bit different, so it might not be completely half for him, but it will be a big different it will be a big save. Now for your trauma, sorry, the the one you have out of pocket, which is the trauma, that's 52,500 as how much you were covered for, and then we do have a secondary life of the same amount simply just to reduce the cost for you. So we can go ahead and cancel both of those for you as long as, obviously, you understand that if you were to suffer those traumatic events, you won't have the cover in place. But I also understand cash flow and everything at the moment, especially with the fuel prices for you guys.\n\nI do completely get it. Yes. Yes. And I completely get that. Now for your reference as well, that has become cheaper for you out of pocket anyway, but we can still go ahead and cancel it.\n\nBut I would just wanna let you know how much you changed. So it is now $25.52 a month, and it was $34.18 a month. So it has seen it reduced again for you because there's no smokers rate. You still wanna go ahead and cancel it? It's now when the the premium has been reduced for the out of pocket, you will see that the the new premium so moving forward, if you decide to keep it, it's $25.52 a month.\n\nSo it's about $6 30 eight a week. Correct. You exactly. You were paying a lot more because of the smoker's rate, and now that's been removed for you. It had almost half it again.\n\nYes. Yes. They do increase with age, which is one of those things that you become older. So the the smokers is the biggest thing to make it cheaper. So it's up to you.\n\nYes. Twenty five fifty two. So 25 dollars and 52¢ a month, and it was closer to it was 40 something before. Yes. So you should, again, see if you haven't keep a lookout on your bank account because they have refunded you as well for the out of pocket expense.\n\nSo you should have about 20 $5. Yeah. Yeah. Okay. Yes.\n\nA massive difference. Because what we can do is we can just keep it for the time being if you want. You can still cancel it whenever you want to. Yep. Yes.\n\nHe can reapply. So he can't reinstate it, but he can reapply. So we could look at how much a new policy would cost as long as nothing has changed with his health. Like, the only risk would be if he has a health issue or an severe injury or anything that would restrict him being able to get it. But when it's yeah.\n\nSo we could if he wanted to when we do look at when the smoke and thread has been removed for him and he knows the new premium, if he wants to revisit it, just tell him to give me a call. I can run the numbers, and then we can see what he wants to do. Yeah. Yeah. Massive difference.\n\nSo I will keep yours. Yes. Yes. And if anything changed, like, the good thing with the the policy, you can cancel whenever you want to. So if anything does change down the track, you can it doesn't have to you can you can call me or email me whenever you want to and say, hi.\n\nI don't want it anymore. But it has reduced significantly, so I think it's good through to leave it for now, see how you go with, obviously, cash flow and everything. Yeah. Yep. Beautiful.\n\nNo. That's so good. So great news for that. Now I will like I said, I will get the team to forward you that email anyway that outlines the refund just so you have an inviting from them, which is great. Now with your under review, sorry.\n\nI have sent you a document. Now I know you're driving at the moment, so don't have a look at them now. But when you have a have a moment later, it is to give you a bit of a an overview of your account. So part of the document so when you have a look at it, it will say sign documents. Before you press sign documents, you will see a couple of attachments at the bottom of that email.\n\nNow what you will see there is a summary of your insurances like we just touched on. I have included a new run done from Neos as well so that you can see it. It also outlines your superannuation. So you have majority of your super in hub 24. Now you do have about $49,700 in there at the moment.\n\nAnd then we do have yeah. Very soon. Yeah. Yeah. It has.\n\nAnd to be fair, the last twelve months have been quite turbulent. So you you guys have seen, obviously you can never time the market. You never know what's going to happen. But the last twelve months exactly. At least the good thing is you if exactly.\n\nThe good thing is as well, if you do see it, keep an eye on it every now then, you will see the movement. So you you would be aware that sometimes it goes up a lot, and you're like, yay. And the next time, it's like, oh. But they they how it is, it's it's obviously long term for you. No.\n\nYeah. That's a bit better. Can you hear me okay? Yes. Oh, nice.\n\nAnd that is how your portfolio and everything has been designed as well. So we're obviously trying to structure your investments in the way that, you know, some areas are doing really well. Otherwise, there's a bit more kind of up and down through them kind of negate each other. Because, you know, when everything in an area where, like, some years, it's like, oh, wow. That's amazing.\n\nAnd then other years, it's like, oh, it's down quite a bit. So you obviously want kind of Yes. And it is it is quite a sophisticated platform that sometimes it's harder to get get an idea of to start with. Yep. If you do at any point want me to guide you through the web, like, the the app or anything, let me know because I use Hub 24 myself, so I can see it on my mobile phone from a client point of view as well.\n\nBecause, obviously, otherwise, I see it from the adviser side on my computer, which looks different because I have access to other things. But if it ever is that you do want it, sometimes it can be confusing because it shows you all the investments, the movements, and everything. And if if you don't know Yes. Exactly. And the I have sent you a performance report in the document, which is usually the best way through or most people find it the most useful.\n\nNow it still can be a little bit messy, but it breaks down all your individual investments. And we do a 12 monthly report after fees to show you everything net of fees, and it shows you all your investments. So when you have a look at it, you will see that the return on the investment sums up a lot, sums not so much, and that's kind of with that with that balance. So when you do have a look at it, you will see that the strongest contributors were your US investments were were really good. Mhmm.\n\nAnd, also, your gold was doing amazing. And your your gold, a bit of that gold in your portfolio, like the defensive physical gold, yeah, that's kind of gone through the roof, which is really good. And also some of the tech investments have done really well. Yeah. Yeah.\n\nAlso, your JPMorgan assets, your quality Australian companies have done really well. The areas where we have seen a little bit more turbulent or fluctuation is that there is actually one investment I do want to look at changing for you if you are happy with that, and that is your Benelon Australian equity. Now that one has recently underperformed a little bit. And if that is ever a situation, then we do wanna look at changing it if we could see it not come back coming back around. So sometimes we have different investments there.\n\nIt's like like, for example, the India investment at the moment. It is a little bit down at the moment, but it's more so due to market rotation and short term fluctuations. So we do very much still believe in that and see it come back around. We don't wanna change anything if it's down at the moment. You don't wanna obviously sell out when the prices are down unless we foresee it not come back around.\n\nSo with the Benelon Australian equity, now the purpose of that investment was to kind of actively buy and sell different investment in order to try to outperform the market, which they had done and were performing really well. More recently, they've been a little bit slower in making those decisions, and we've done a lot of research on it. And if we do foresee that it's not going to be the best option for you moving forward, then we wanna change it. But the good thing with HUB 24 is that there are hundreds of different options for us to choose from to make sure that at all points in time, we have you in the best option possible because things are always changing. And that is also why the underreviews are so good, but also during during the year.\n\nIf there's anything that we foresee, oh, like, market trends, changes are happening. Let's let's look at making those changes, and we will let you know. The choice is still obviously yeah. Yeah. Because we've had a bit of a look at it, and the one we're looking at changing it for, it's called beta shares a 200.\n\nSo if we are swapping an Australian investment, we do wanna swap it for kind of a like for like investment in a way because we don't wanna put too much in, like, The US market or the global. We wanna make sure we keep it diversified. If we remove a bit of Australian yeah. So we wanna keep that. Now the beta says a 200, it is a little bit cheaper because you don't have that same kind of active buying and selling.\n\nSo how it is is slightly different either is mainly tracking the 200 largest companies listed in Australia. So very diversified. All your big companies yes. Exactly. It is performing better, and it is a little bit cheaper for you as well, which is great.\n\nSo moving forward, yeah, moving forward, it should say, hopefully again, you never know what's happening with the war and how things are happening, but it should smooth things out a little bit with removing that Benelon investment. So if you are happy with that, what I will do is I will send you something that's called a record of advice. Now you don't need to sign it. It is just for your reference to let you know that we have made that one investment change. Exactly.\n\nSo if you, yeah, if you're happy with that, I will action that document for you. Amazing. And then send it, yeah, and send it through to you. And, yeah, that's, like, the really good thing with with Hub twenty four and also us as well that we do kind of take more of that proactive approach, and we don't wanna just leave it and then five is down to track if we're like, oh, this one hasn't done to what we wanna change it sooner rather than later if we foresee that. So we'll we'll go ahead and do that for you.\n\nNow other documents you will see is you will see an updated version of their financial services guide. Now that was that kind of compliance document, same as what we went through last year. It's just a bit of an updated version. Now we've had some extension to the team, which is great. So when you have a look at it, you will see all the photos of their directors, all their advices.\n\nYeah. Four of us. It's a bit of updated marketing photos. I'm still in there, a new updated photo. So it's all in there for you.\n\nOtherwise, it will then ask you to sign through documents if you're happy to do so. Now that will be a ongoing service agreement, and that is just to say that you're happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure. It stays exactly the same at that discounted 1.1% because, obviously, you are both a client that stays the same. No changes whatsoever.\n\nYeah. Exactly. No. We don't wanna do that. That stays the same.\n\nAnd as per last time, it is not a lock in contract. So if at any point in time, you are not happy, not a lock in contract, no extra fees or anything like that. But this just lets us, you know, keep servicing and managing your account and everything in the meantime there for you. And the other one it will ask you to sign, it is just a tax file number form, and that is just a compliance form to say we are keeping your tax file number secure and safe on file. So when you have a moment, have a look through the document.\n\nAny questions, let me know. If not, if it all makes sense, I will just need you to sign those documents. It is electronic to make it nice and easy. And once you finish, yeah, once you finish signing, it will automatically send it back to me. I will let the team know it will get that all sorted.\n\nWe will keep the trauma for now, but if anything changed, just email or call me. And I will also send you that document just to switch that investment. The other thing I do wanna just confirm with you is with your investment, you do have you invested in a growth portfolio. Now I know last time, we went through kind of an extensive risk profile questionnaire to see how you feel about fluctuations and everything. Has any of that changed or are you still kind of comfortable with the same, risk profile, your growth?\n\nYes. Yes. Amazing. And you still have plenty of time until retirement. So you're definitely in a good position.\n\nYou do have time for those short term fluctuations in order to grow at long term. So we will leave all of that. Now the last thing I do need to quickly run through with you, Heather, is just a bit of an updated Slack line just to see if there's anything major that has changed. Yeah. Yes.\n\nSorry. I have all of that. And I know that, obviously, fuel prices and everything lacks that. Is there a bit of, like, uncertainty for you around work at the moment, or is still kind of yeah? Yeah.\n\nYeah. Yeah. Yes. Yeah. Bit of deduction.\n\nYeah. It it was on Hayden's, so he may not have seen it on your account. Now I know that you guys have things together. Sorry. I it's all added.\n\nYeah. Yeah. No. Yes. Yes.\n\nNo. I have all of that. And no. And that's fine. And I think that's what he did as well.\n\nSo I have all of those updated information, and it's often as well for for privacy sometimes as well. You can't disclose partners and stuff, but you guys do have that, so we can. And, obviously, I know you guys. Yeah. Exactly.\n\nSo let me see if there was anything here. The only thing I can see that we didn't ask you was, do you have private health insurance? No. Alright. Yes.\n\nMhmm. Yes. Yep. Yep. Yes.\n\nNot necessarily. It doesn't change. It it would just change if you are liable to pay the medical levy surcharge if we were doing exactly. So if you were looking at doing different if we were looking at doing more, you know, contribution strategies or something like that, it is really good to know because it does change the tax outcome. Yeah.\n\nBecause one good portal actually for you, if you do are interested, is is something that's called paycalculator. Just paycalculator.com.au. And yeah. And and this exactly. Yeah.\n\nYes. Yes. Yes. It keeps the individual let me triple check. The individual is one zero one, because sometimes it's based on that.\n\nBut let me just triple check because it changes every every financial year. Yeah. Exactly. So it's now up through a 101 for individuals and families and couples over two zero two. Two zero two.\n\nYes. Yes. Yes. And that is to the side where most people use it. Some people are like, oh, I don't see the point in having it.\n\nAnd I was like, that's fine. Just check it from the tax. Yes. Yes. Which is great.\n\nNow on so you can check it as well how much. You can always call me if you're unsure, and I can calculate it for you. But even on the ATO website, they actually have a little table, and it shows you the different rates. So if your combined income is between $2.00 2 and 236, the levy the levy start charge is 1%. And then it goes up to 1.5 if it's combined $3.16.\n\nSo it is definitely worth considering if you guys go above $2.00 2 just to see, yeah, okay, how much is the the private health, but how much are we saving on tax as well? And sometimes sometimes depending on the the income, it's actually cheaper. Sometimes it's a little bit more, but then you do have private health instead, and you don't pay additional tax. So definitely. Exactly.\n\nYep. Amazing. Definitely have a look at it, yeah, especially with the little pay increase in in the family. And, yeah, if you have any issues or questions, you can always just let me know, and I can always run the numbers for you. That is no problem.\n\nBut that was basically everything that I kind of needed to run through on my end for you there, Heather. Do you have any other questions for me or anything else at this point otherwise? No? Okay. Amazing.\n\nYes. Yes. Yeah. And the kid's going up. Yeah.\n\nYeah. Yeah. Yes. Yes. Makes it cheaper.\n\nYeah. Massive. So I I will get who was the guy you spoke to when we booked you in, I'll get him to forward you that email for Neos with the rebate so you have it for you. So you can actually see see all of that. Now in the documents I did send you, you will have the new premium.\n\nIf you forget, it's all in there. You can always call me if you're unsure. We'll leave it for now if anything. Yeah. Yes.\n\nYes. And we'll we'll have a look. So when his premium does go down, I'll tell him to let me know as well if he wants to revisit it because then I can kind of run through that with him and see, okay. What's what how much is it? Now sometimes it is more expensive.\n\nExactly. It would just be if he wants to really look at it. He can just call me, and I can run it, and then that gives him at least what's the premium. And then he can see whether it's worth it or not, what he would like to do. Yeah.\n\nYeah. I do have a reminder here for the team to to get in touch with him. I think when I spoke to him, he told me the the month. So we'll reach out to him when it's gone that twelve months, and then we'll help him do it. Because sometimes it's easier than trying to go directly to the insurance, especially if they are a little bit tricky.\n\nSo if there's ever anything you need for the insurance or super, just call me. It's easier for you. Yes. Yes. Amazing.\n\nWell, I will let you go and enjoy the rest of your afternoon. I will get the team to forward you the refund. I will also keep a lookout for for that record of advice just to show the change. But if anything does change otherwise to your end or together or anything, just let me know, and we can always do a catch up whenever you guys want to. Yeah.\n\nYes. Yeah. So then yes. Exactly. Yeah.\n\nOnce you have a bit more certainty on that jointly, and you can be on the phone together as well if you want to do that. We could, yeah, we could do that. As long as that's Yeah. Beautiful. You have my email.\n\nOtherwise, just give the office a call, and they'll book you in with me. No problem at all. I hope you enjoy the rest of your afternoon or days more so morning still. Oh, that's beautiful. Oh, hopefully, traffic traffic shouldn't be too bad by this time, hopefully.\n\nYeah. No. It was raining here as well, but it's sunny now on in Southport. So hopefully yeah. Yeah.\n\nHopefully. Well, have a safe drive, and I look forward to speaking with you soon again. No worries. Speak to you soon. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Heather.","start":2.96,"end":3.76,"sentiment":"positive","sentiment_score":0.44669490059216815},{"text":"This is Veronica from OQ Financial.","start":3.76,"end":5.54,"sentiment":"positive","sentiment_score":0.3514178941647212},{"text":"How are you?","start":5.68,"end":6.5,"sentiment":"neutral","sentiment_score":0.2761222223440806},{"text":"That's okay.","start":10.96,"end":11.78,"sentiment":"neutral","sentiment_score":0.0061675626784563065},{"text":"Can you hear me?","start":13.165,"end":14.1449995,"sentiment":"neutral","sentiment_score":-0.024655209854245186}],"sentiment":"neutral","sentiment_score":0.23281516776316696,"num_words":18,"start":2.96,"end":14.1449995},{"sentences":[{"text":"Okay.","start":17.244999,"end":17.744999,"sentiment":"neutral","sentiment_score":0.005870785564184189},{"text":"I'll see if I can turn it up a little bit, but I think I do have it on max.","start":17.885,"end":21.425,"sentiment":"neutral","sentiment_score":0.007791229337453842},{"text":"Okay.","start":27.74,"end":28.22,"sentiment":"neutral","sentiment_score":-0.027079369872808456},{"text":"If you can't No.","start":28.22,"end":32.059998,"sentiment":"neutral","sentiment_score":-0.06995169445872307},{"text":"That's okay.","start":32.059998,"end":32.94,"sentiment":"neutral","sentiment_score":-0.010505142621695995}],"sentiment":"neutral","sentiment_score":-0.005935752165636846,"num_words":28,"start":17.244999,"end":32.94},{"sentences":[{"text":"Alright.","start":32.94,"end":33.42,"sentiment":"neutral","sentiment_score":0.01831468939781189},{"text":"If you can't hear me, though, just ask me to repeat it, and I'll try to speak a bit louder for you.","start":33.42,"end":38.239998,"sentiment":"neutral","sentiment_score":-0.04789870088412003},{"text":"I had you booked in this morning for your annual review.","start":40.095,"end":42.735,"sentiment":"positive","sentiment_score":0.3334199217232791},{"text":"Is now still a good time for you?","start":42.735,"end":44.434998,"sentiment":"neutral","sentiment_score":0.2775103189051151},{"text":"Yep.","start":45.934998,"end":46.434998,"sentiment":"neutral","sentiment_score":0.005447333212941885}],"sentiment":"neutral","sentiment_score":0.11296958821760707,"num_words":43,"start":32.94,"end":46.434998},{"sentences":[{"text":"Okay.","start":55.949997,"end":56.449997,"sentiment":"neutral","sentiment_score":0.02316027507185936},{"text":"Well, before I do go into the review, I'll just pass you through security, and then we can address what you wanted to talk about first.","start":57.39,"end":64.515,"sentiment":"neutral","sentiment_score":0.01916454567645605},{"text":"And then I can tie that into the annual review for you.","start":65.155,"end":68.375,"sentiment":"neutral","sentiment_score":0.04059964821984371},{"text":"Yes.","start":71.075,"end":71.575,"sentiment":"neutral","sentiment_score":0.04484061524271965},{"text":"I figured.","start":71.715,"end":72.295,"sentiment":"neutral","sentiment_score":0.042208194732666016}],"sentiment":"neutral","sentiment_score":0.02709264871442602,"num_words":42,"start":55.949997,"end":72.295},{"sentences":[{"text":"Now just for security purposes, could I just get you to confirm your full name, date of birth, and address, please?","start":74.515,"end":80.49,"sentiment":"neutral","sentiment_score":0.04759822431064788},{"text":"Date of birth and address.","start":84.97,"end":86.909996,"sentiment":"neutral","sentiment_score":0.010681161284446716},{"text":"Yep.","start":90.89,"end":91.39,"sentiment":"neutral","sentiment_score":0.12941105663776398},{"text":"Perfect.","start":91.45,"end":91.95,"sentiment":"positive","sentiment_score":0.34151050448417664},{"text":"And before we do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":92.649994,"end":99.454994,"sentiment":"neutral","sentiment_score":0.0727088710825358}],"sentiment":"neutral","sentiment_score":0.06356675836390682,"num_words":56,"start":74.515,"end":99.454994},{"sentences":[{"text":"Amazing.","start":99.515,"end":100.015,"sentiment":"positive","sentiment_score":0.5249859094619751},{"text":"Now questions from you first of, I guess, why you wanted to have the conversation.","start":101.595,"end":107.935,"sentiment":"neutral","sentiment_score":-0.007077557283143202},{"text":"Yeah.","start":109.590004,"end":110.090004,"sentiment":"neutral","sentiment_score":-0.013426445424556732},{"text":"Yes.","start":112.39,"end":112.89,"sentiment":"neutral","sentiment_score":0.10564886778593063},{"text":"Of course.","start":113.11,"end":113.75,"sentiment":"neutral","sentiment_score":0.17152104526758194}],"sentiment":"neutral","sentiment_score":0.04270435315556824,"num_words":20,"start":99.515,"end":113.75},{"sentences":[{"text":"We can do that.","start":113.75,"end":114.97,"sentiment":"neutral","sentiment_score":0.20431935787200928},{"text":"And just confirming that that would be the attached outside life as well.","start":116.23,"end":124.065,"sentiment":"neutral","sentiment_score":0.10716853247812161},{"text":"Sorry.","start":127.325,"end":127.825,"sentiment":"neutral","sentiment_score":-0.1085185557603836},{"text":"Let me get up your document just so I can explain it for you.","start":128.125,"end":131.005,"sentiment":"neutral","sentiment_score":0.007589544701789107},{"text":"So when we got your Nios, yes.","start":131.005,"end":135.36,"sentiment":"neutral","sentiment_score":0.022966177069715092}],"sentiment":"neutral","sentiment_score":0.060742734955289424,"num_words":39,"start":113.75,"end":135.36},{"sentences":[{"text":"Exactly.","start":135.36,"end":135.86,"sentiment":"neutral","sentiment_score":0.11819303035736084},{"text":"So with the trauma, now when we got that set up, we added a secondary life policy to it simply just to reduce the premium of your trauma.","start":135.92,"end":147.06,"sentiment":"neutral","sentiment_score":0.08562827775520938},{"text":"So what we can do, which is what we did for it is just your outside.","start":147.84,"end":153.60501,"sentiment":"neutral","sentiment_score":0.08039540983736515},{"text":"So you still have another life policy inside super.","start":153.60501,"end":156.425,"sentiment":"neutral","sentiment_score":0.06518725802501042},{"text":"It was yes.","start":157.365,"end":159.30501,"sentiment":"neutral","sentiment_score":0.15992372234662375}],"sentiment":"neutral","sentiment_score":0.08541347112571984,"num_words":57,"start":135.36,"end":159.30501},{"sentences":[{"text":"Perfect.","start":159.60501,"end":160.10501,"sentiment":"positive","sentiment_score":0.5712642073631287},{"text":"Yeah.","start":162.82,"end":163.32,"sentiment":"neutral","sentiment_score":0.0671018585562706},{"text":"They just, like, linked together.","start":163.78,"end":165.22,"sentiment":"neutral","sentiment_score":0.046773118525743486},{"text":"So if I cancel one, it will cancel the other one.","start":165.22,"end":167.88,"sentiment":"neutral","sentiment_score":0.029522039673545143},{"text":"But the only reason we correct.","start":169.54001,"end":172.52,"sentiment":"neutral","sentiment_score":-0.019107614333430927}],"sentiment":"neutral","sentiment_score":0.045097017039855324,"num_words":24,"start":159.60501,"end":172.52},{"sentences":[{"text":"Yes.","start":172.74,"end":173.24,"sentiment":"neutral","sentiment_score":0.02082519233226776},{"text":"So, yes, so what that would look like for you, just so you know, it would be that we would retain your life and TPD, which you have paid inside.","start":174.02,"end":185.365,"sentiment":"neutral","sentiment_score":0.05597134788210193},{"text":"But you will still have that, and that is 262,500.","start":185.505,"end":191.06999,"sentiment":"neutral","sentiment_score":0.05080170333385468},{"text":"So that will stay in place.","start":191.20999,"end":192.59,"sentiment":"neutral","sentiment_score":0.09807318449020386},{"text":"Now because your smokers' rate has been removed already, it's great.","start":192.96999,"end":196.90999,"sentiment":"neutral","sentiment_score":0.25605483894998377}],"sentiment":"neutral","sentiment_score":0.09677629306077443,"num_words":58,"start":172.74,"end":196.90999},{"sentences":[{"text":"It's reduced the the smokers rate.","start":197.93,"end":201.405,"sentiment":"neutral","sentiment_score":-0.004437821296354135},{"text":"Yeah.","start":203.385,"end":203.885,"sentiment":"neutral","sentiment_score":0.04217716306447983},{"text":"That has happened.","start":204.825,"end":205.885,"sentiment":"neutral","sentiment_score":-0.0702645480632782},{"text":"Because I can see that Nios sent us a copy.","start":209.22499,"end":212.105,"sentiment":"neutral","sentiment_score":-0.11785262152552604},{"text":"It should they should have sent you a copy as well, but a confirmation to say it's been actioned.","start":212.105,"end":221.15999,"sentiment":"neutral","sentiment_score":-0.07733386892237161}],"sentiment":"neutral","sentiment_score":-0.07290033676112309,"num_words":39,"start":197.93,"end":221.15999},{"sentences":[{"text":"No.","start":224.34,"end":224.84,"sentiment":"neutral","sentiment_score":-0.10609440505504608},{"text":"Yes.","start":228.69499,"end":229.19499,"sentiment":"neutral","sentiment_score":0.18576639890670776},{"text":"Yes.","start":233.73499,"end":234.23499,"sentiment":"neutral","sentiment_score":0.1287397742271423},{"text":"Yes.","start":235.73499,"end":235.81499,"sentiment":"neutral","sentiment_score":0.2108156979084015},{"text":"Yes.","start":235.81499,"end":236.31499,"sentiment":"neutral","sentiment_score":0.15908722579479218}],"sentiment":"neutral","sentiment_score":0.11566293835639954,"num_words":5,"start":224.34,"end":236.31499},{"sentences":[{"text":"Okay.","start":248.46999,"end":248.96999,"sentiment":"neutral","sentiment_score":-0.20238922536373136},{"text":"Yeah.","start":253.04501,"end":253.365,"sentiment":"neutral","sentiment_score":-0.18815353512763977},{"text":"No.","start":253.365,"end":253.865,"sentiment":"negative","sentiment_score":-0.3802911639213562},{"text":"No.","start":256.005,"end":256.505,"sentiment":"negative","sentiment_score":-0.3354599177837372},{"text":"That's yeah.","start":264.74,"end":265.62,"sentiment":"neutral","sentiment_score":-0.013810759410262108}],"sentiment":"neutral","sentiment_score":-0.18898589350283146,"num_words":6,"start":248.46999,"end":265.62},{"sentences":[{"text":"And in the future too, because insurance can be tricky, they they don't always love when clients email them directly.","start":265.62,"end":273.4,"sentiment":"neutral","sentiment_score":-0.16480988077819347},{"text":"They can be a little bit tricky that way.","start":273.69998,"end":275.56,"sentiment":"neutral","sentiment_score":-0.24261818163924748},{"text":"So to make it easy for you Yeah.","start":275.78,"end":279.595,"sentiment":"neutral","sentiment_score":0.13424123101867735},{"text":"Yeah.","start":285.655,"end":286.155,"sentiment":"neutral","sentiment_score":-0.03331930562853813},{"text":"Yeah.","start":287.495,"end":287.995,"sentiment":"neutral","sentiment_score":0.024136994034051895}],"sentiment":"neutral","sentiment_score":-0.1132054798400555,"num_words":39,"start":265.62,"end":287.995},{"sentences":[{"text":"Yeah.","start":288.45502,"end":288.95502,"sentiment":"neutral","sentiment_score":0.041131168603897095},{"text":"Right.","start":290.295,"end":290.795,"sentiment":"neutral","sentiment_score":0.13059967756271362},{"text":"Yes.","start":291.94,"end":292.44,"sentiment":"neutral","sentiment_score":0.2657497823238373},{"text":"It has been.","start":292.58,"end":293.46,"sentiment":"neutral","sentiment_score":0.27567962805430096},{"text":"Now if there's anything you need from insurances as well to make it your life easier, I'm happy for you to just email me or call me what you need, and then I will speak to Neos on your behalf to to make it easier because then we can push them.","start":293.46,"end":310.025,"sentiment":"neutral","sentiment_score":0.3288002908229828}],"sentiment":"neutral","sentiment_score":0.3163742867478153,"num_words":57,"start":288.45502,"end":310.025},{"sentences":[{"text":"If they were to tell me what they told you, I I would be like, no.","start":310.025,"end":314.125,"sentiment":"neutral","sentiment_score":-0.25889283418655396},{"text":"So if yeah.","start":315.065,"end":320.62,"sentiment":"neutral","sentiment_score":-0.05734662711620331},{"text":"Yeah.","start":321.08002,"end":321.4,"sentiment":"neutral","sentiment_score":0.0462878942489624},{"text":"Sorry.","start":321.4,"end":321.8,"sentiment":"neutral","sentiment_score":-0.011181134730577467},{"text":"Anything you need for from either your super or your insurances, just email me, and then I will do that for you.","start":321.8,"end":328.14,"sentiment":"neutral","sentiment_score":0.11668776551430876}],"sentiment":"neutral","sentiment_score":-0.03981599133721618,"num_words":43,"start":310.025,"end":328.14},{"sentences":[{"text":"I will get the team to forward you the copy of the email we got from yours anyway so that you have that copy.","start":328.52,"end":335.365,"sentiment":"neutral","sentiment_score":0.08720393106341362},{"text":"I'll get them to forward that.","start":336.625,"end":338.465,"sentiment":"neutral","sentiment_score":0.15564807007710138},{"text":"But, yes, I can see here that it has been removed, and it actually made the premium a lot cheaper for you.","start":338.465,"end":347.3,"sentiment":"neutral","sentiment_score":0.2166384712538936},{"text":"Yes.","start":352.88,"end":353.38,"sentiment":"neutral","sentiment_score":0.2438211441040039},{"text":"Yes.","start":356.57498,"end":357.055,"sentiment":"neutral","sentiment_score":0.07294945418834686}],"sentiment":"neutral","sentiment_score":0.15017777281226935,"num_words":54,"start":328.52,"end":357.055},{"sentences":[{"text":"Sorry.","start":357.055,"end":357.375,"sentiment":"neutral","sentiment_score":0.04604356735944748},{"text":"I will I will run that through with you.","start":357.375,"end":359.555,"sentiment":"neutral","sentiment_score":0.14893810782167646},{"text":"Yes.","start":360.895,"end":361.395,"sentiment":"neutral","sentiment_score":0.10555215179920197},{"text":"Yes.","start":364.09497,"end":364.59497,"sentiment":"neutral","sentiment_score":0.2477111965417862},{"text":"Yes.","start":365.375,"end":365.875,"sentiment":"positive","sentiment_score":0.387755274772644}],"sentiment":"neutral","sentiment_score":0.16365424314370522,"num_words":13,"start":357.055,"end":365.875},{"sentences":[{"text":"And it's almost it's almost by half, which is great.","start":366.01498,"end":369.155,"sentiment":"positive","sentiment_score":0.5664002180099488},{"text":"Yes.","start":381.40997,"end":381.56998,"sentiment":"neutral","sentiment_score":0.09650824964046478},{"text":"Yes.","start":381.56998,"end":382.06998,"sentiment":"neutral","sentiment_score":0.08872707188129425},{"text":"Yes.","start":382.805,"end":383.305,"sentiment":"neutral","sentiment_score":0.07541145384311676},{"text":"Exactly.","start":384.00497,"end":384.50497,"sentiment":"neutral","sentiment_score":-0.011094702407717705}],"sentiment":"positive","sentiment_score":0.42239673236118896,"num_words":14,"start":366.01498,"end":384.50497},{"sentences":[{"text":"Yes.","start":386.085,"end":386.585,"sentiment":"neutral","sentiment_score":0.02921149879693985},{"text":"And double and I I do have a reminder.","start":386.72498,"end":388.82498,"sentiment":"neutral","sentiment_score":0.045607356975475945},{"text":"Yeah.","start":390.00497,"end":390.50497,"sentiment":"neutral","sentiment_score":0.11292504519224168},{"text":"And I do have that for him as well that we are looking at doing that as well.","start":390.56497,"end":395.125,"sentiment":"neutral","sentiment_score":0.165404441456},{"text":"So which is great.","start":395.125,"end":395.925,"sentiment":"positive","sentiment_score":0.501623623073101}],"sentiment":"neutral","sentiment_score":0.16776900591723848,"num_words":33,"start":386.085,"end":395.925},{"sentences":[{"text":"So premium for you, if we start with inside super, it's been sorry.","start":395.925,"end":400.96,"sentiment":"neutral","sentiment_score":0.08339733028641114},{"text":"I'll just recap for you what it was.","start":400.96,"end":403.53998,"sentiment":"neutral","sentiment_score":0.02446610265178606},{"text":"So it was let me see here.","start":404.16,"end":407.69998,"sentiment":"neutral","sentiment_score":0.02826517846967493},{"text":"Actually, it doesn't tell me here.","start":408.415,"end":409.775,"sentiment":"neutral","sentiment_score":0.005732055365418394},{"text":"It does tell me that your new premium after rebate is $404.","start":409.775,"end":416.275,"sentiment":"neutral","sentiment_score":0.02661380621915062}],"sentiment":"neutral","sentiment_score":0.03981539937060164,"num_words":46,"start":395.925,"end":416.275},{"sentences":[{"text":"Now you have got a refund from Neos because they pro rata it because you weren't a smokers the whole the whole duration.","start":416.495,"end":426.08002,"sentiment":"neutral","sentiment_score":0.10339360813731732},{"text":"So you've actually got a refund for the premium that you were paying more for of 483 into your super.","start":426.94,"end":435.54498,"sentiment":"neutral","sentiment_score":0.17015030570328235},{"text":"Yeah.","start":436.085,"end":436.405,"sentiment":"neutral","sentiment_score":0.2477116286754608},{"text":"Massive difference.","start":436.405,"end":437.465,"sentiment":"neutral","sentiment_score":0.2873890548944473},{"text":"So reduce them by basically half for you, which is fantastic.","start":437.60498,"end":441.065,"sentiment":"positive","sentiment_score":0.5118045915256847}],"sentiment":"neutral","sentiment_score":0.21462104116615496,"num_words":57,"start":416.495,"end":441.065},{"sentences":[{"text":"Let me let me add that up for you if I can see it.","start":442.645,"end":450.93002,"sentiment":"neutral","sentiment_score":0.018648403896284953},{"text":"No.","start":451.47,"end":451.63,"sentiment":"neutral","sentiment_score":-0.0932282656431198},{"text":"That's okay.","start":451.63,"end":452.45,"sentiment":"neutral","sentiment_score":-0.09894637018442154},{"text":"Sorry.","start":456.35,"end":456.83002,"sentiment":"neutral","sentiment_score":-0.12306365370750429},{"text":"It would have been 83 plus about 887 around that, and it's now down yes.","start":456.83002,"end":468.135,"sentiment":"neutral","sentiment_score":-0.026088664890266955}],"sentiment":"neutral","sentiment_score":-0.016498090258347944,"num_words":33,"start":442.645,"end":468.135},{"sentences":[{"text":"Exactly.","start":468.135,"end":468.635,"sentiment":"neutral","sentiment_score":0.02305997908115387},{"text":"So with smokers, the insurers do add, like, a a loading, they call it, on the premium because of the increased risk.","start":468.695,"end":477.52,"sentiment":"neutral","sentiment_score":-0.012468145736916498},{"text":"So they increase the premium, basically.","start":477.52,"end":479.62,"sentiment":"neutral","sentiment_score":-0.045659108087420464},{"text":"So exactly.","start":480.24,"end":483.78,"sentiment":"neutral","sentiment_score":0.015554441139101982},{"text":"So great news.","start":484.32,"end":485.76,"sentiment":"positive","sentiment_score":0.570422758658727}],"sentiment":"neutral","sentiment_score":0.035799508311730975,"num_words":34,"start":468.135,"end":485.76},{"sentences":[{"text":"It's it's 404 now, which is fantastic.","start":485.76,"end":489.06,"sentiment":"positive","sentiment_score":0.5847084139074598},{"text":"And, yeah, exactly.","start":490.4,"end":493.66498,"sentiment":"neutral","sentiment_score":0.25820109248161316},{"text":"Now with the out yeah.","start":494.365,"end":497.345,"sentiment":"neutral","sentiment_score":0.07780322507023811},{"text":"Yep.","start":499.645,"end":500.145,"sentiment":"neutral","sentiment_score":-0.005108529236167669},{"text":"Yeah.","start":502.205,"end":502.685,"sentiment":"neutral","sentiment_score":0.12169372290372849}],"sentiment":"neutral","sentiment_score":0.3160684408126947,"num_words":17,"start":485.76,"end":502.685},{"sentences":[{"text":"And now it's like, well, your health will benefit from it, and the premium will be reduced.","start":502.685,"end":507.93,"sentiment":"neutral","sentiment_score":0.24791805972071254},{"text":"So that's a win win.","start":508.15,"end":509.53,"sentiment":"positive","sentiment_score":0.3582980096340179},{"text":"Yes.","start":516.15,"end":516.65,"sentiment":"neutral","sentiment_score":0.04593916609883309},{"text":"Yeah.","start":520.145,"end":520.645,"sentiment":"neutral","sentiment_score":0.03371506556868553},{"text":"Exactly.","start":520.705,"end":521.205,"sentiment":"neutral","sentiment_score":0.023040730506181717}],"sentiment":"neutral","sentiment_score":0.24435168102383614,"num_words":25,"start":502.685,"end":521.205},{"sentences":[{"text":"And sometimes it is slightly different for males and females.","start":521.825,"end":525.105,"sentiment":"neutral","sentiment_score":-0.01601365637034178},{"text":"Insurers do work at a little bit different, so it might not be completely half for him, but it will be a big different it will be a big save.","start":525.105,"end":532.485,"sentiment":"neutral","sentiment_score":0.019929868603746095},{"text":"Now for your trauma, sorry, the the one you have out of pocket, which is the trauma, that's 52,500 as how much you were covered for, and then we do have a secondary life of the same amount simply just to reduce the cost for you.","start":534.54,"end":553.145,"sentiment":"neutral","sentiment_score":0.03721275451876547},{"text":"So we can go ahead and cancel both of those for you as long as, obviously, you understand that if you were to suffer those traumatic events, you won't have the cover in place.","start":553.365,"end":561.75,"sentiment":"neutral","sentiment_score":-0.24302069086800604},{"text":"But I also understand cash flow and everything at the moment, especially with the fuel prices for you guys.","start":561.91,"end":568.73,"sentiment":"neutral","sentiment_score":-0.0616178865495481}],"sentiment":"neutral","sentiment_score":-0.05240213763799599,"num_words":139,"start":521.825,"end":568.73},{"sentences":[{"text":"I do completely get it.","start":568.79,"end":570.65,"sentiment":"neutral","sentiment_score":0.21045631021261216},{"text":"Yes.","start":571.99,"end":572.49,"sentiment":"neutral","sentiment_score":-0.05181743949651718},{"text":"Yes.","start":574.085,"end":574.585,"sentiment":"neutral","sentiment_score":0.07766319811344147},{"text":"And I completely get that.","start":574.72504,"end":576.66504,"sentiment":"neutral","sentiment_score":0.13720820844173431},{"text":"Now for your reference as well, that has become cheaper for you out of pocket anyway, but we can still go ahead and cancel it.","start":577.765,"end":585.365,"sentiment":"neutral","sentiment_score":0.056972130835056305}],"sentiment":"neutral","sentiment_score":0.08617490872338011,"num_words":37,"start":568.79,"end":585.365},{"sentences":[{"text":"But I would just wanna let you know how much you changed.","start":585.365,"end":588.505,"sentiment":"neutral","sentiment_score":0.054832219146192074},{"text":"So it is now $25.52 a month, and it was $34.18 a month.","start":588.805,"end":602.0,"sentiment":"neutral","sentiment_score":0.07195940011968979},{"text":"So it has seen it reduced again for you because there's no smokers rate.","start":603.575,"end":608.15497,"sentiment":"neutral","sentiment_score":0.09788076739226069},{"text":"You still wanna go ahead and cancel it?","start":608.455,"end":610.635,"sentiment":"neutral","sentiment_score":-0.007173134479671717},{"text":"It's now when the the premium has been reduced for the out of pocket, you will see that the the new premium so moving forward, if you decide to keep it, it's $25.52 a month.","start":612.935,"end":627.46,"sentiment":"neutral","sentiment_score":0.10661420321890286}],"sentiment":"neutral","sentiment_score":0.08095001965397741,"num_words":82,"start":585.365,"end":627.46},{"sentences":[{"text":"So it's about $6 30 eight a week.","start":628.32,"end":631.38,"sentiment":"neutral","sentiment_score":0.023295139078982174},{"text":"Correct.","start":631.60004,"end":632.10004,"sentiment":"neutral","sentiment_score":0.013323286548256874},{"text":"You exactly.","start":635.63495,"end":637.81494,"sentiment":"neutral","sentiment_score":-0.10645882412791252},{"text":"You were paying a lot more because of the smoker's rate, and now that's been removed for you.","start":638.115,"end":643.415,"sentiment":"neutral","sentiment_score":-0.21222380962636736},{"text":"It had almost half it again.","start":643.555,"end":645.57495,"sentiment":"neutral","sentiment_score":-0.18438096096118292}],"sentiment":"neutral","sentiment_score":-0.14112993108906915,"num_words":35,"start":628.32,"end":645.57495},{"sentences":[{"text":"Yes.","start":646.035,"end":646.535,"sentiment":"neutral","sentiment_score":-0.02450409904122353},{"text":"Yes.","start":651.07996,"end":651.57996,"sentiment":"neutral","sentiment_score":-0.02105061523616314},{"text":"They do increase with age, which is one of those things that you become older.","start":657.8,"end":663.725,"sentiment":"neutral","sentiment_score":-0.117397141456604},{"text":"So the the smokers is the biggest thing to make it cheaper.","start":664.185,"end":667.565,"sentiment":"neutral","sentiment_score":-0.15433366286257902},{"text":"So it's up to you.","start":670.105,"end":671.565,"sentiment":"neutral","sentiment_score":-0.0066769829951226715}],"sentiment":"neutral","sentiment_score":-0.10858531486626495,"num_words":34,"start":646.035,"end":671.565},{"sentences":[{"text":"Yes.","start":673.705,"end":674.205,"sentiment":"neutral","sentiment_score":-0.01295287162065506},{"text":"Twenty five fifty two.","start":680.12,"end":683.02,"sentiment":"neutral","sentiment_score":-0.016710085328668356},{"text":"So 25 dollars and 52¢ a month, and it was closer to it was 40 something before.","start":683.08,"end":693.705,"sentiment":"neutral","sentiment_score":-0.05695951991947368},{"text":"Yes.","start":698.72504,"end":699.22504,"sentiment":"neutral","sentiment_score":0.14846134185791016},{"text":"So you should, again, see if you haven't keep a lookout on your bank account because they have refunded you as well for the out of pocket expense.","start":699.36505,"end":708.85004,"sentiment":"neutral","sentiment_score":0.18905705612685}],"sentiment":"neutral","sentiment_score":0.08901826763525605,"num_words":51,"start":673.705,"end":708.85004},{"sentences":[{"text":"So you should have about 20 $5.","start":708.85004,"end":712.31,"sentiment":"neutral","sentiment_score":0.1381862536072731},{"text":"Yeah.","start":713.41003,"end":713.91003,"sentiment":"neutral","sentiment_score":0.07159871608018875},{"text":"Yeah.","start":715.17004,"end":715.67004,"sentiment":"neutral","sentiment_score":0.08987678587436676},{"text":"Okay.","start":716.145,"end":716.645,"sentiment":"neutral","sentiment_score":0.03817341849207878},{"text":"Yes.","start":719.10504,"end":719.60504,"sentiment":"neutral","sentiment_score":0.27244818210601807}],"sentiment":"neutral","sentiment_score":0.13085462525486946,"num_words":11,"start":708.85004,"end":719.60504},{"sentences":[{"text":"A massive difference.","start":721.265,"end":722.385,"sentiment":"neutral","sentiment_score":0.27807000279426575},{"text":"Because what we can do is we can just keep it for the time being if you want.","start":722.385,"end":727.28503,"sentiment":"neutral","sentiment_score":0.18654935558636984},{"text":"You can still cancel it whenever you want to.","start":727.74506,"end":730.645,"sentiment":"neutral","sentiment_score":0.0009896763496928746},{"text":"Yep.","start":731.18,"end":731.68,"sentiment":"neutral","sentiment_score":0.28845900297164917},{"text":"Yes.","start":732.38,"end":732.88,"sentiment":"neutral","sentiment_score":0.0982757955789566}],"sentiment":"neutral","sentiment_score":0.143366884207353,"num_words":32,"start":721.265,"end":732.88},{"sentences":[{"text":"He can reapply.","start":739.82,"end":741.04,"sentiment":"neutral","sentiment_score":0.003519834795345863},{"text":"So he can't reinstate it, but he can reapply.","start":742.22,"end":745.36,"sentiment":"neutral","sentiment_score":-0.011069424657358063},{"text":"So we could look at how much a new policy would cost as long as nothing has changed with his health.","start":745.98,"end":755.575,"sentiment":"neutral","sentiment_score":0.04099629393645695},{"text":"Like, the only risk would be if he has a health issue or an severe injury or anything that would restrict him being able to get it.","start":755.635,"end":767.11,"sentiment":"neutral","sentiment_score":-0.032342911456470134},{"text":"But when it's yeah.","start":767.49,"end":770.63,"sentiment":"neutral","sentiment_score":0.005259674740955234}],"sentiment":"neutral","sentiment_score":-0.0012556727378978394,"num_words":64,"start":739.82,"end":770.63},{"sentences":[{"text":"So we could if he wanted to when we do look at when the smoke and thread has been removed for him and he knows the new premium, if he wants to revisit it, just tell him to give me a call.","start":770.69,"end":782.58496,"sentiment":"neutral","sentiment_score":0.03637187422386238},{"text":"I can run the numbers, and then we can see what he wants to do.","start":783.125,"end":788.12,"sentiment":"neutral","sentiment_score":0.11626697716613611},{"text":"Yeah.","start":788.18,"end":788.68,"sentiment":"neutral","sentiment_score":-0.046966321766376495},{"text":"Yeah.","start":792.82,"end":793.32,"sentiment":"neutral","sentiment_score":-0.0301461573690176},{"text":"Massive difference.","start":793.7,"end":794.83997,"sentiment":"neutral","sentiment_score":-0.07650574296712875}],"sentiment":"neutral","sentiment_score":0.04986064606269852,"num_words":61,"start":770.69,"end":794.83997},{"sentences":[{"text":"So I will keep yours.","start":794.98,"end":796.92,"sentiment":"neutral","sentiment_score":-0.015581702440977096},{"text":"Yes.","start":798.1,"end":798.6,"sentiment":"positive","sentiment_score":0.4493600130081177},{"text":"Yes.","start":801.22504,"end":801.625,"sentiment":"neutral","sentiment_score":0.14795564115047455},{"text":"And if anything changed, like, the good thing with the the policy, you can cancel whenever you want to.","start":801.625,"end":806.825,"sentiment":"neutral","sentiment_score":0.0378310917631576},{"text":"So if anything does change down the track, you can it doesn't have to you can you can call me or email me whenever you want to and say, hi.","start":806.825,"end":813.865,"sentiment":"neutral","sentiment_score":-0.009271175197015206}],"sentiment":"neutral","sentiment_score":0.017143975527557944,"num_words":56,"start":794.98,"end":813.865},{"sentences":[{"text":"I don't want it anymore.","start":813.865,"end":814.8,"sentiment":"neutral","sentiment_score":-0.08569685071706772},{"text":"But it has reduced significantly, so I think it's good through to leave it for now, see how you go with, obviously, cash flow and everything.","start":815.04,"end":822.98,"sentiment":"neutral","sentiment_score":0.08294248709884974},{"text":"Yeah.","start":823.51996,"end":824.01996,"sentiment":"neutral","sentiment_score":0.028247300535440445},{"text":"Yep.","start":824.56,"end":825.06,"sentiment":"neutral","sentiment_score":0.17728504538536072},{"text":"Beautiful.","start":825.36,"end":825.86,"sentiment":"positive","sentiment_score":0.4581845998764038}],"sentiment":"neutral","sentiment_score":0.07034521637593999,"num_words":34,"start":813.865,"end":825.86},{"sentences":[{"text":"No.","start":827.055,"end":827.215,"sentiment":"neutral","sentiment_score":0.2866809368133545},{"text":"That's so good.","start":827.215,"end":828.175,"sentiment":"neutral","sentiment_score":0.3200368384520213},{"text":"So great news for that.","start":828.175,"end":830.655,"sentiment":"positive","sentiment_score":0.5188201606273651},{"text":"Now I will like I said, I will get the team to forward you that email anyway that outlines the refund just so you have an inviting from them, which is great.","start":830.655,"end":841.74,"sentiment":"neutral","sentiment_score":0.156677242834121},{"text":"Now with your under review, sorry.","start":842.51996,"end":846.04,"sentiment":"neutral","sentiment_score":0.02192551549524069}],"sentiment":"neutral","sentiment_score":0.1911939812546715,"num_words":47,"start":827.055,"end":846.04},{"sentences":[{"text":"I have sent you a document.","start":846.04,"end":847.8,"sentiment":"neutral","sentiment_score":-0.018645217021306355},{"text":"Now I know you're driving at the moment, so don't have a look at them now.","start":847.8,"end":850.86,"sentiment":"neutral","sentiment_score":-0.01689231605269015},{"text":"But when you have a have a moment later, it is to give you a bit of a an overview of your account.","start":851.39996,"end":858.375,"sentiment":"neutral","sentiment_score":0.0451689717238364},{"text":"So part of the document so when you have a look at it, it will say sign documents.","start":858.675,"end":864.77496,"sentiment":"neutral","sentiment_score":0.03152461820799443},{"text":"Before you press sign documents, you will see a couple of attachments at the bottom of that email.","start":864.915,"end":870.9,"sentiment":"neutral","sentiment_score":0.03119520501544078}],"sentiment":"neutral","sentiment_score":0.02204561492221223,"num_words":81,"start":846.04,"end":870.9},{"sentences":[{"text":"Now what you will see there is a summary of your insurances like we just touched on.","start":871.36,"end":877.77997,"sentiment":"neutral","sentiment_score":0.05087282223736539},{"text":"I have included a new run done from Neos as well so that you can see it.","start":877.92,"end":882.66,"sentiment":"neutral","sentiment_score":0.11220413490253336},{"text":"It also outlines your superannuation.","start":883.545,"end":886.045,"sentiment":"neutral","sentiment_score":0.07934956401586532},{"text":"So you have majority of your super in hub 24.","start":886.905,"end":891.085,"sentiment":"neutral","sentiment_score":0.06005079299211502},{"text":"Now you do have about $49,700 in there at the moment.","start":891.785,"end":896.765,"sentiment":"neutral","sentiment_score":0.033718775111165916}],"sentiment":"neutral","sentiment_score":0.06900784246002635,"num_words":60,"start":871.36,"end":896.765},{"sentences":[{"text":"And then we do have yeah.","start":897.305,"end":901.87,"sentiment":"neutral","sentiment_score":0.000947264644006888},{"text":"Very soon.","start":901.87,"end":902.69,"sentiment":"neutral","sentiment_score":-0.08532590419054031},{"text":"Yeah.","start":905.87,"end":906.37,"sentiment":"neutral","sentiment_score":-0.02702402137219906},{"text":"Yeah.","start":910.11005,"end":910.61005,"sentiment":"neutral","sentiment_score":-0.15748147666454315},{"text":"It has.","start":912.145,"end":912.78503,"sentiment":"negative","sentiment_score":-0.3347799926996231}],"sentiment":"neutral","sentiment_score":-0.08491947532941897,"num_words":12,"start":897.305,"end":912.78503},{"sentences":[{"text":"And to be fair, the last twelve months have been quite turbulent.","start":912.78503,"end":915.525,"sentiment":"neutral","sentiment_score":-0.28678469484051067},{"text":"So you you guys have seen, obviously you can never time the market.","start":915.66504,"end":918.945,"sentiment":"neutral","sentiment_score":-0.21011648842921624},{"text":"You never know what's going to happen.","start":918.945,"end":920.565,"sentiment":"neutral","sentiment_score":-0.24332051617758615},{"text":"But the last twelve months exactly.","start":921.10504,"end":925.54,"sentiment":"neutral","sentiment_score":-0.13772630505263805},{"text":"At least the good thing is you if exactly.","start":925.92,"end":928.57996,"sentiment":"neutral","sentiment_score":0.25910235941410065}],"sentiment":"neutral","sentiment_score":-0.13554491269144606,"num_words":47,"start":912.78503,"end":928.57996},{"sentences":[{"text":"The good thing is as well, if you do see it, keep an eye on it every now then, you will see the movement.","start":928.72,"end":933.62,"sentiment":"positive","sentiment_score":0.41245225941141445},{"text":"So you you would be aware that sometimes it goes up a lot, and you're like, yay.","start":934.24,"end":937.75995,"sentiment":"neutral","sentiment_score":0.02008758529144175},{"text":"And the next time, it's like, oh.","start":937.75995,"end":939.67505,"sentiment":"neutral","sentiment_score":-0.0077332256894026485},{"text":"But they they how it is, it's it's obviously long term for you.","start":939.815,"end":943.835,"sentiment":"neutral","sentiment_score":0.025562468343056165},{"text":"No.","start":943.97504,"end":944.215,"sentiment":"neutral","sentiment_score":0.006589749827980995}],"sentiment":"neutral","sentiment_score":0.169759877972425,"num_words":62,"start":928.72,"end":944.215},{"sentences":[{"text":"Yeah.","start":944.215,"end":944.375,"sentiment":"neutral","sentiment_score":0.02240370213985443},{"text":"That's a bit better.","start":944.375,"end":945.255,"sentiment":"neutral","sentiment_score":0.02434703428298235},{"text":"Can you hear me okay?","start":945.255,"end":946.47504,"sentiment":"neutral","sentiment_score":0.020498582534492014},{"text":"Yes.","start":946.775,"end":947.275,"sentiment":"neutral","sentiment_score":0.08878937363624573},{"text":"Oh, nice.","start":947.97504,"end":948.79504,"sentiment":"positive","sentiment_score":0.39594733715057373}],"sentiment":"neutral","sentiment_score":0.08484375383704901,"num_words":13,"start":944.215,"end":948.79504},{"sentences":[{"text":"And that is how your portfolio and everything has been designed as well.","start":949.97504,"end":953.515,"sentiment":"positive","sentiment_score":0.37967355663959795},{"text":"So we're obviously trying to structure your investments in the way that, you know, some areas are doing really well.","start":953.68,"end":961.84,"sentiment":"neutral","sentiment_score":0.1585833601653576},{"text":"Otherwise, there's a bit more kind of up and down through them kind of negate each other.","start":961.84,"end":965.44,"sentiment":"neutral","sentiment_score":-0.10910096852218404},{"text":"Because, you know, when everything in an area where, like, some years, it's like, oh, wow.","start":965.44,"end":969.495,"sentiment":"neutral","sentiment_score":-0.03209877084009349},{"text":"That's amazing.","start":969.495,"end":970.235,"sentiment":"neutral","sentiment_score":0.1967555209994316}],"sentiment":"neutral","sentiment_score":0.09018584828385535,"num_words":68,"start":949.97504,"end":970.235},{"sentences":[{"text":"And then other years, it's like, oh, it's down quite a bit.","start":970.45496,"end":973.115,"sentiment":"neutral","sentiment_score":-0.12415837061901887},{"text":"So you obviously want kind of Yes.","start":973.25494,"end":989.23004,"sentiment":"neutral","sentiment_score":-0.044546437582799366},{"text":"And it is it is quite a sophisticated platform that sometimes it's harder to get get an idea of to start with.","start":989.37006,"end":996.65497,"sentiment":"neutral","sentiment_score":0.15983786975795572},{"text":"Yep.","start":997.51495,"end":997.995,"sentiment":"neutral","sentiment_score":0.18208789825439453},{"text":"If you do at any point want me to guide you through the web, like, the the app or anything, let me know because I use Hub 24 myself, so I can see it on my mobile phone from a client point of view as well.","start":997.995,"end":1009.95,"sentiment":"neutral","sentiment_score":0.21360880152686781}],"sentiment":"neutral","sentiment_score":0.13321364082565362,"num_words":88,"start":970.45496,"end":1009.95},{"sentences":[{"text":"Because, obviously, otherwise, I see it from the adviser side on my computer, which looks different because I have access to other things.","start":1010.01,"end":1016.91,"sentiment":"neutral","sentiment_score":0.05860368745482486},{"text":"But if it ever is that you do want it, sometimes it can be confusing because it shows you all the investments, the movements, and everything.","start":1018.265,"end":1024.585,"sentiment":"neutral","sentiment_score":-0.028585087937804367},{"text":"And if if you don't know Yes.","start":1024.585,"end":1033.34,"sentiment":"neutral","sentiment_score":-0.04248935489782265},{"text":"Exactly.","start":1033.96,"end":1034.46,"sentiment":"neutral","sentiment_score":0.11952483654022215},{"text":"And the I have sent you a performance report in the document, which is usually the best way through or most people find it the most useful.","start":1035.32,"end":1044.62,"sentiment":"neutral","sentiment_score":0.3133704866524096}],"sentiment":"neutral","sentiment_score":0.10580684543986406,"num_words":84,"start":1010.01,"end":1044.62},{"sentences":[{"text":"Now it still can be a little bit messy, but it breaks down all your individual investments.","start":1044.8351,"end":1049.7351,"sentiment":"neutral","sentiment_score":0.08588253958698581},{"text":"And we do a 12 monthly report after fees to show you everything net of fees, and it shows you all your investments.","start":1050.115,"end":1058.21,"sentiment":"neutral","sentiment_score":0.1756420890274255},{"text":"So when you have a look at it, you will see that the return on the investment sums up a lot, sums not so much, and that's kind of with that with that balance.","start":1058.21,"end":1069.35,"sentiment":"neutral","sentiment_score":0.21347959076657014},{"text":"So when you do have a look at it, you will see that the strongest contributors were your US investments were were really good.","start":1069.485,"end":1077.1849,"sentiment":"neutral","sentiment_score":0.275566599642237},{"text":"Mhmm.","start":1078.045,"end":1078.545,"sentiment":"neutral","sentiment_score":0.2091979682445526}],"sentiment":"neutral","sentiment_score":0.19778660269021386,"num_words":99,"start":1044.8351,"end":1078.545},{"sentences":[{"text":"And, also, your gold was doing amazing.","start":1078.6849,"end":1081.985,"sentiment":"positive","sentiment_score":0.4800387067454202},{"text":"And your your gold, a bit of that gold in your portfolio, like the defensive physical gold, yeah, that's kind of gone through the roof, which is really good.","start":1083.005,"end":1094.67,"sentiment":"positive","sentiment_score":0.3902069977645216},{"text":"And also some of the tech investments have done really well.","start":1094.81,"end":1098.845,"sentiment":"positive","sentiment_score":0.35926546969197015},{"text":"Yeah.","start":1099.385,"end":1099.865,"sentiment":"neutral","sentiment_score":0.24920964241027832},{"text":"Yeah.","start":1099.865,"end":1100.365,"sentiment":"neutral","sentiment_score":0.2835509181022644}],"sentiment":"positive","sentiment_score":0.391039889990067,"num_words":49,"start":1078.6849,"end":1100.365},{"sentences":[{"text":"Also, your JPMorgan assets, your quality Australian companies have done really well.","start":1101.465,"end":1108.765,"sentiment":"positive","sentiment_score":0.47990898974239826},{"text":"The areas where we have seen a little bit more turbulent or fluctuation is that there is actually one investment I do want to look at changing for you if you are happy with that, and that is your Benelon Australian equity.","start":1110.185,"end":1124.78,"sentiment":"neutral","sentiment_score":0.026163805098760696},{"text":"Now that one has recently underperformed a little bit.","start":1126.455,"end":1129.895,"sentiment":"neutral","sentiment_score":0.32433847586313885},{"text":"And if that is ever a situation, then we do wanna look at changing it if we could see it not come back coming back around.","start":1129.895,"end":1136.3151,"sentiment":"neutral","sentiment_score":0.10787896181528385},{"text":"So sometimes we have different investments there.","start":1136.455,"end":1138.6951,"sentiment":"neutral","sentiment_score":-0.0011587377105440413}],"sentiment":"neutral","sentiment_score":0.13097474809425572,"num_words":96,"start":1101.465,"end":1138.6951},{"sentences":[{"text":"It's like like, for example, the India investment at the moment.","start":1138.6951,"end":1142.47,"sentiment":"neutral","sentiment_score":-0.010201892307536169},{"text":"It is a little bit down at the moment, but it's more so due to market rotation and short term fluctuations.","start":1142.69,"end":1150.79,"sentiment":"neutral","sentiment_score":-0.10797434122789473},{"text":"So we do very much still believe in that and see it come back around.","start":1151.17,"end":1154.745,"sentiment":"neutral","sentiment_score":0.19853405704100927},{"text":"We don't wanna change anything if it's down at the moment.","start":1154.745,"end":1158.585,"sentiment":"neutral","sentiment_score":-0.29694952883503656},{"text":"You don't wanna obviously sell out when the prices are down unless we foresee it not come back around.","start":1158.585,"end":1163.1649,"sentiment":"neutral","sentiment_score":-0.3180761509820035}],"sentiment":"neutral","sentiment_score":-0.11313717936879242,"num_words":77,"start":1138.6951,"end":1163.1649},{"sentences":[{"text":"So with the Benelon Australian equity, now the purpose of that investment was to kind of actively buy and sell different investment in order to try to outperform the market, which they had done and were performing really well.","start":1163.705,"end":1177.22,"sentiment":"neutral","sentiment_score":0.17918810076438463},{"text":"More recently, they've been a little bit slower in making those decisions, and we've done a lot of research on it.","start":1177.52,"end":1184.515,"sentiment":"neutral","sentiment_score":-0.2745653809536071},{"text":"And if we do foresee that it's not going to be the best option for you moving forward, then we wanna change it.","start":1184.515,"end":1190.615,"sentiment":"neutral","sentiment_score":-0.21889785256074823},{"text":"But the good thing with HUB 24 is that there are hundreds of different options for us to choose from to make sure that at all points in time, we have you in the best option possible because things are always changing.","start":1190.835,"end":1201.28,"sentiment":"neutral","sentiment_score":0.2988732492639905},{"text":"And that is also why the underreviews are so good, but also during during the year.","start":1201.5,"end":1206.22,"sentiment":"neutral","sentiment_score":0.22920959070324898}],"sentiment":"neutral","sentiment_score":0.08799888114345834,"num_words":141,"start":1163.705,"end":1206.22},{"sentences":[{"text":"If there's anything that we foresee, oh, like, market trends, changes are happening.","start":1206.22,"end":1211.085,"sentiment":"neutral","sentiment_score":0.08213680610060692},{"text":"Let's let's look at making those changes, and we will let you know.","start":1211.085,"end":1214.705,"sentiment":"neutral","sentiment_score":0.1791191095343003},{"text":"The choice is still obviously yeah.","start":1215.005,"end":1218.225,"sentiment":"neutral","sentiment_score":0.07288086786866188},{"text":"Yeah.","start":1218.6849,"end":1219.005,"sentiment":"neutral","sentiment_score":-0.011781840585172176},{"text":"Because we've had a bit of a look at it, and the one we're looking at changing it for, it's called beta shares a 200.","start":1219.005,"end":1225.83,"sentiment":"neutral","sentiment_score":0.041821278631687164}],"sentiment":"neutral","sentiment_score":0.08392003854608228,"num_words":58,"start":1206.22,"end":1225.83},{"sentences":[{"text":"So if we are swapping an Australian investment, we do wanna swap it for kind of a like for like investment in a way because we don't wanna put too much in, like, The US market or the global.","start":1225.97,"end":1235.89,"sentiment":"neutral","sentiment_score":0.05044998715703304},{"text":"We wanna make sure we keep it diversified.","start":1235.89,"end":1237.67,"sentiment":"neutral","sentiment_score":0.10120898112654686},{"text":"If we remove a bit of Australian yeah.","start":1237.985,"end":1240.865,"sentiment":"neutral","sentiment_score":0.03477073984686285},{"text":"So we wanna keep that.","start":1240.865,"end":1242.385,"sentiment":"neutral","sentiment_score":0.14735162556171416},{"text":"Now the beta says a 200, it is a little bit cheaper because you don't have that same kind of active buying and selling.","start":1242.385,"end":1250.885,"sentiment":"neutral","sentiment_score":0.10657513203720252}],"sentiment":"neutral","sentiment_score":0.07559462575729758,"num_words":84,"start":1225.97,"end":1250.885},{"sentences":[{"text":"So how it is is slightly different either is mainly tracking the 200 largest companies listed in Australia.","start":1251.15,"end":1257.81,"sentiment":"neutral","sentiment_score":0.05139527138736513},{"text":"So very diversified.","start":1258.1901,"end":1259.09,"sentiment":"neutral","sentiment_score":0.182826429605484},{"text":"All your big companies yes.","start":1259.23,"end":1261.81,"sentiment":"neutral","sentiment_score":0.21759679019451142},{"text":"Exactly.","start":1261.9501,"end":1262.43,"sentiment":"neutral","sentiment_score":0.31738001108169556},{"text":"It is performing better, and it is a little bit cheaper for you as well, which is great.","start":1262.43,"end":1266.85,"sentiment":"positive","sentiment_score":0.6464988622400496}],"sentiment":"neutral","sentiment_score":0.32257639235920377,"num_words":45,"start":1251.15,"end":1266.85},{"sentences":[{"text":"So moving forward, yeah, moving forward, it should say, hopefully again, you never know what's happening with the war and how things are happening, but it should smooth things out a little bit with removing that Benelon investment.","start":1266.965,"end":1278.505,"sentiment":"neutral","sentiment_score":0.09638655871937149},{"text":"So if you are happy with that, what I will do is I will send you something that's called a record of advice.","start":1278.965,"end":1286.02,"sentiment":"neutral","sentiment_score":0.2771848342988802},{"text":"Now you don't need to sign it.","start":1286.16,"end":1287.68,"sentiment":"neutral","sentiment_score":0.10223546837057386},{"text":"It is just for your reference to let you know that we have made that one investment change.","start":1287.68,"end":1293.38,"sentiment":"neutral","sentiment_score":0.23518280064066252},{"text":"Exactly.","start":1295.105,"end":1295.605,"sentiment":"neutral","sentiment_score":0.2580467164516449}],"sentiment":"neutral","sentiment_score":0.1752290324918155,"num_words":87,"start":1266.965,"end":1295.605},{"sentences":[{"text":"So if you, yeah, if you're happy with that, I will action that document for you.","start":1297.345,"end":1301.4249,"sentiment":"neutral","sentiment_score":0.19106403458863497},{"text":"Amazing.","start":1301.4249,"end":1301.9249,"sentiment":"positive","sentiment_score":0.6533029079437256},{"text":"And then send it, yeah, and send it through to you.","start":1302.7849,"end":1307.0449,"sentiment":"neutral","sentiment_score":0.25166920284655964},{"text":"And, yeah, that's, like, the really good thing with with Hub twenty four and also us as well that we do kind of take more of that proactive approach, and we don't wanna just leave it and then five is down to track if we're like, oh, this one hasn't done to what we wanna change it sooner rather than later if we foresee that.","start":1307.82,"end":1323.645,"sentiment":"positive","sentiment_score":0.48964149699761317},{"text":"So we'll we'll go ahead and do that for you.","start":1323.645,"end":1327.8049,"sentiment":"positive","sentiment_score":0.3663016438484192}],"sentiment":"positive","sentiment_score":0.4074602178252727,"num_words":103,"start":1297.345,"end":1327.8049},{"sentences":[{"text":"Now other documents you will see is you will see an updated version of their financial services guide.","start":1327.8049,"end":1335.585,"sentiment":"neutral","sentiment_score":0.08280028444197443},{"text":"Now that was that kind of compliance document, same as what we went through last year.","start":1335.63,"end":1341.15,"sentiment":"neutral","sentiment_score":0.15173600986599922},{"text":"It's just a bit of an updated version.","start":1341.15,"end":1343.01,"sentiment":"neutral","sentiment_score":0.17144303023815155},{"text":"Now we've had some extension to the team, which is great.","start":1343.79,"end":1346.43,"sentiment":"positive","sentiment_score":0.49813938411799347},{"text":"So when you have a look at it, you will see all the photos of their directors, all their advices.","start":1346.43,"end":1350.6901,"sentiment":"neutral","sentiment_score":0.15649399980902673}],"sentiment":"neutral","sentiment_score":0.19039916083829045,"num_words":73,"start":1327.8049,"end":1350.6901},{"sentences":[{"text":"Yeah.","start":1351.07,"end":1351.57,"sentiment":"neutral","sentiment_score":0.1429215967655182},{"text":"Four of us.","start":1351.6849,"end":1352.005,"sentiment":"neutral","sentiment_score":0.17738552391529083},{"text":"It's a bit of updated marketing photos.","start":1352.005,"end":1354.565,"sentiment":"neutral","sentiment_score":0.1949846191065652},{"text":"I'm still in there, a new updated photo.","start":1354.565,"end":1356.665,"sentiment":"neutral","sentiment_score":0.21307317540049553},{"text":"So it's all in there for you.","start":1357.205,"end":1359.465,"sentiment":"neutral","sentiment_score":0.2576393463781902}],"sentiment":"neutral","sentiment_score":0.21338582038879395,"num_words":26,"start":1351.07,"end":1359.465},{"sentences":[{"text":"Otherwise, it will then ask you to sign through documents if you're happy to do so.","start":1361.285,"end":1367.225,"sentiment":"neutral","sentiment_score":0.1919521540403366},{"text":"Now that will be a ongoing service agreement, and that is just to say that you're happy to stay on as a client.","start":1367.57,"end":1375.03,"sentiment":"positive","sentiment_score":0.44414521300274395},{"text":"Now there is no changes whatsoever in regards to the fee structure.","start":1375.57,"end":1379.59,"sentiment":"neutral","sentiment_score":0.08886106529583533},{"text":"It stays exactly the same at that discounted 1.1% because, obviously, you are both a client that stays the same.","start":1379.9149,"end":1388.335,"sentiment":"neutral","sentiment_score":0.23805367723107337},{"text":"No changes whatsoever.","start":1388.475,"end":1389.695,"sentiment":"neutral","sentiment_score":0.08345372850696246}],"sentiment":"neutral","sentiment_score":0.26168029564055234,"num_words":74,"start":1361.285,"end":1389.695},{"sentences":[{"text":"Yeah.","start":1390.235,"end":1390.735,"sentiment":"positive","sentiment_score":0.3699013888835907},{"text":"Exactly.","start":1395.0499,"end":1395.5499,"sentiment":"neutral","sentiment_score":0.1285826861858368},{"text":"No.","start":1395.69,"end":1395.9299,"sentiment":"neutral","sentiment_score":-0.06555088609457016},{"text":"We don't wanna do that.","start":1395.9299,"end":1397.0499,"sentiment":"neutral","sentiment_score":-0.09923748224973679},{"text":"That stays the same.","start":1397.0499,"end":1398.4299,"sentiment":"neutral","sentiment_score":0.018054164946079254}],"sentiment":"neutral","sentiment_score":0.000746869792540867,"num_words":12,"start":1390.235,"end":1398.4299},{"sentences":[{"text":"And as per last time, it is not a lock in contract.","start":1398.8099,"end":1401.47,"sentiment":"neutral","sentiment_score":0.028198943783839543},{"text":"So if at any point in time, you are not happy, not a lock in contract, no extra fees or anything like that.","start":1401.53,"end":1407.15,"sentiment":"neutral","sentiment_score":0.0043588259621806765},{"text":"But this just lets us, you know, keep servicing and managing your account and everything in the meantime there for you.","start":1407.165,"end":1412.785,"sentiment":"neutral","sentiment_score":0.31809491557734354},{"text":"And the other one it will ask you to sign, it is just a tax file number form, and that is just a compliance form to say we are keeping your tax file number secure and safe on file.","start":1413.7251,"end":1424.6599,"sentiment":"neutral","sentiment_score":0.19566735472434607},{"text":"So when you have a moment, have a look through the document.","start":1425.52,"end":1428.1799,"sentiment":"neutral","sentiment_score":0.1924754586070776}],"sentiment":"neutral","sentiment_score":0.1594333260485502,"num_words":107,"start":1398.8099,"end":1428.1799},{"sentences":[{"text":"Any questions, let me know.","start":1428.96,"end":1430.72,"sentiment":"neutral","sentiment_score":0.10114312171936035},{"text":"If not, if it all makes sense, I will just need you to sign those documents.","start":1430.72,"end":1434.58,"sentiment":"neutral","sentiment_score":0.023768244544044137},{"text":"It is electronic to make it nice and easy.","start":1435.0399,"end":1437.44,"sentiment":"positive","sentiment_score":0.35196688854032093},{"text":"And once you finish, yeah, once you finish signing, it will automatically send it back to me.","start":1437.44,"end":1442.315,"sentiment":"neutral","sentiment_score":0.2010893208139083},{"text":"I will let the team know it will get that all sorted.","start":1442.455,"end":1445.115,"sentiment":"neutral","sentiment_score":0.21170293415586153}],"sentiment":"neutral","sentiment_score":0.16970615562493518,"num_words":59,"start":1428.96,"end":1445.115},{"sentences":[{"text":"We will keep the trauma for now, but if anything changed, just email or call me.","start":1445.495,"end":1450.235,"sentiment":"neutral","sentiment_score":-0.18902013811748475},{"text":"And I will also send you that document just to switch that investment.","start":1451.19,"end":1455.21,"sentiment":"neutral","sentiment_score":0.09908700849001224},{"text":"The other thing I do wanna just confirm with you is with your investment, you do have you invested in a growth portfolio.","start":1456.63,"end":1462.89,"sentiment":"neutral","sentiment_score":0.09264250164446623},{"text":"Now I know last time, we went through kind of an extensive risk profile questionnaire to see how you feel about fluctuations and everything.","start":1463.785,"end":1470.045,"sentiment":"neutral","sentiment_score":-0.004808106692507863},{"text":"Has any of that changed or are you still kind of comfortable with the same, risk profile, your growth?","start":1471.145,"end":1476.925,"sentiment":"neutral","sentiment_score":-0.0094113870474853}],"sentiment":"neutral","sentiment_score":0.0010565844609549172,"num_words":95,"start":1445.495,"end":1476.925},{"sentences":[{"text":"Yes.","start":1477.0651,"end":1477.5651,"sentiment":"neutral","sentiment_score":0.06646423041820526},{"text":"Yes.","start":1479.4701,"end":1479.9501,"sentiment":"neutral","sentiment_score":0.2663261592388153},{"text":"Amazing.","start":1479.9501,"end":1480.43,"sentiment":"positive","sentiment_score":0.4766712188720703},{"text":"And you still have plenty of time until retirement.","start":1480.43,"end":1482.53,"sentiment":"positive","sentiment_score":0.37150995930035907},{"text":"So you're definitely in a good position.","start":1482.75,"end":1485.01,"sentiment":"positive","sentiment_score":0.4791207270962851}],"sentiment":"positive","sentiment_score":0.39509980694243785,"num_words":19,"start":1477.0651,"end":1485.01},{"sentences":[{"text":"You do have time for those short term fluctuations in order to grow at long term.","start":1485.0701,"end":1489.9701,"sentiment":"neutral","sentiment_score":0.23123771138489246},{"text":"So we will leave all of that.","start":1490.43,"end":1492.11,"sentiment":"neutral","sentiment_score":0.06251754398856844},{"text":"Now the last thing I do need to quickly run through with you, Heather, is just a bit of an updated Slack line just to see if there's anything major that has changed.","start":1492.11,"end":1500.525,"sentiment":"neutral","sentiment_score":-0.025434421036731113},{"text":"Yeah.","start":1504.105,"end":1504.605,"sentiment":"neutral","sentiment_score":-0.04014745354652405},{"text":"Yes.","start":1507.72,"end":1508.22,"sentiment":"neutral","sentiment_score":-0.047306884080171585}],"sentiment":"neutral","sentiment_score":0.05535579238343855,"num_words":58,"start":1485.0701,"end":1508.22},{"sentences":[{"text":"Sorry.","start":1508.52,"end":1508.84,"sentiment":"neutral","sentiment_score":-0.17401592433452606},{"text":"I have all of that.","start":1508.84,"end":1510.14,"sentiment":"neutral","sentiment_score":-0.16832574009895324},{"text":"And I know that, obviously, fuel prices and everything lacks that.","start":1510.84,"end":1517.08,"sentiment":"neutral","sentiment_score":-0.14919395473870364},{"text":"Is there a bit of, like, uncertainty for you around work at the moment, or is still kind of yeah?","start":1517.08,"end":1525.885,"sentiment":"neutral","sentiment_score":-0.16128960084170102},{"text":"Yeah.","start":1526.745,"end":1527.245,"sentiment":"neutral","sentiment_score":-0.005952966399490833}],"sentiment":"neutral","sentiment_score":-0.1549611344786459,"num_words":38,"start":1508.52,"end":1527.245},{"sentences":[{"text":"Yeah.","start":1528.4249,"end":1528.9249,"sentiment":"neutral","sentiment_score":-0.010798349976539612},{"text":"Yeah.","start":1532.4249,"end":1532.9249,"sentiment":"neutral","sentiment_score":0.15717215836048126},{"text":"Yes.","start":1535.26,"end":1535.76,"sentiment":"neutral","sentiment_score":0.1563420295715332},{"text":"Yeah.","start":1536.14,"end":1536.54,"sentiment":"neutral","sentiment_score":0.1814961135387421},{"text":"Bit of deduction.","start":1536.54,"end":1537.4401,"sentiment":"neutral","sentiment_score":0.22061844170093536}],"sentiment":"neutral","sentiment_score":0.16372389665671758,"num_words":7,"start":1528.4249,"end":1537.4401},{"sentences":[{"text":"Yeah.","start":1537.8201,"end":1538.3201,"sentiment":"neutral","sentiment_score":0.0636221244931221},{"text":"It it was on Hayden's, so he may not have seen it on your account.","start":1544.3,"end":1550.415,"sentiment":"neutral","sentiment_score":-0.0752147078514099},{"text":"Now I know that you guys have things together.","start":1551.115,"end":1554.095,"sentiment":"neutral","sentiment_score":0.013195812495218383},{"text":"Sorry.","start":1554.395,"end":1554.895,"sentiment":"neutral","sentiment_score":-0.08918294310569763},{"text":"I it's all added.","start":1555.115,"end":1556.575,"sentiment":"neutral","sentiment_score":-0.03179038129746914}],"sentiment":"neutral","sentiment_score":-0.03873935497055451,"num_words":30,"start":1537.8201,"end":1556.575},{"sentences":[{"text":"Yeah.","start":1557.195,"end":1557.695,"sentiment":"neutral","sentiment_score":-0.016898591071367264},{"text":"Yeah.","start":1559.61,"end":1560.11,"sentiment":"neutral","sentiment_score":-0.028804132714867592},{"text":"No.","start":1562.89,"end":1563.39,"sentiment":"neutral","sentiment_score":-0.10144339501857758},{"text":"Yes.","start":1563.85,"end":1564.35,"sentiment":"neutral","sentiment_score":-0.005735473707318306},{"text":"Yes.","start":1564.89,"end":1565.37,"sentiment":"neutral","sentiment_score":-0.012191442772746086}],"sentiment":"neutral","sentiment_score":-0.03301460705697536,"num_words":5,"start":1557.195,"end":1565.37},{"sentences":[{"text":"No.","start":1565.37,"end":1565.61,"sentiment":"neutral","sentiment_score":-0.14515158534049988},{"text":"I have all of that.","start":1565.61,"end":1566.83,"sentiment":"neutral","sentiment_score":-0.17425731122493743},{"text":"And no.","start":1569.93,"end":1570.25,"sentiment":"neutral","sentiment_score":-0.12828025221824646},{"text":"And that's fine.","start":1570.25,"end":1570.97,"sentiment":"neutral","sentiment_score":0.013119737307230631},{"text":"And I think that's what he did as well.","start":1570.97,"end":1573.875,"sentiment":"neutral","sentiment_score":0.049086220976379186}],"sentiment":"neutral","sentiment_score":-0.03959317225962877,"num_words":20,"start":1565.37,"end":1573.875},{"sentences":[{"text":"So I have all of those updated information, and it's often as well for for privacy sometimes as well.","start":1573.875,"end":1582.275,"sentiment":"neutral","sentiment_score":0.10784757980390598},{"text":"You can't disclose partners and stuff, but you guys do have that, so we can.","start":1582.275,"end":1586.375,"sentiment":"neutral","sentiment_score":0.06484263266126315},{"text":"And, obviously, I know you guys.","start":1587.075,"end":1588.98,"sentiment":"neutral","sentiment_score":0.008017849953224262},{"text":"Yeah.","start":1589.2999,"end":1589.38,"sentiment":"neutral","sentiment_score":0.03687883913516998},{"text":"Exactly.","start":1589.38,"end":1589.88,"sentiment":"neutral","sentiment_score":0.05717038735747337}],"sentiment":"neutral","sentiment_score":0.07533094839059881,"num_words":42,"start":1573.875,"end":1589.88},{"sentences":[{"text":"So let me see if there was anything here.","start":1592.1799,"end":1594.1,"sentiment":"neutral","sentiment_score":0.0252534786446227},{"text":"The only thing I can see that we didn't ask you was, do you have private health insurance?","start":1594.1,"end":1598.28,"sentiment":"neutral","sentiment_score":-0.02912028982407517},{"text":"No.","start":1599.86,"end":1600.36,"sentiment":"neutral","sentiment_score":-0.15544193983078003},{"text":"Alright.","start":1600.74,"end":1601.24,"sentiment":"neutral","sentiment_score":-0.01566893979907036},{"text":"Yes.","start":1603.145,"end":1603.645,"sentiment":"neutral","sentiment_score":0.002934077754616738}],"sentiment":"neutral","sentiment_score":-0.015502023696899413,"num_words":30,"start":1592.1799,"end":1603.645},{"sentences":[{"text":"Mhmm.","start":1607.385,"end":1607.885,"sentiment":"neutral","sentiment_score":-0.013230424374341965},{"text":"Yes.","start":1608.025,"end":1608.525,"sentiment":"neutral","sentiment_score":-0.02225707285106182},{"text":"Yep.","start":1612.905,"end":1613.405,"sentiment":"neutral","sentiment_score":0.05288790166378021},{"text":"Yep.","start":1616.76,"end":1617.26,"sentiment":"neutral","sentiment_score":0.050360023975372314},{"text":"Yes.","start":1619.32,"end":1619.82,"sentiment":"neutral","sentiment_score":0.07310374081134796}],"sentiment":"neutral","sentiment_score":0.02817283384501934,"num_words":5,"start":1607.385,"end":1619.82},{"sentences":[{"text":"Not necessarily.","start":1621.0,"end":1621.82,"sentiment":"neutral","sentiment_score":-0.19707409292459488},{"text":"It doesn't change.","start":1622.28,"end":1623.24,"sentiment":"neutral","sentiment_score":-0.31962813933690387},{"text":"It it would just change if you are liable to pay the medical levy surcharge if we were doing exactly.","start":1623.24,"end":1631.9049,"sentiment":"neutral","sentiment_score":-0.19372493904083968},{"text":"So if you were looking at doing different if we were looking at doing more, you know, contribution strategies or something like that, it is really good to know because it does change the tax outcome.","start":1632.2849,"end":1644.49,"sentiment":"neutral","sentiment_score":0.18886272340185112},{"text":"Yeah.","start":1646.55,"end":1647.03,"sentiment":"neutral","sentiment_score":0.12361972033977509}],"sentiment":"neutral","sentiment_score":0.027341070614995494,"num_words":62,"start":1621.0,"end":1647.03},{"sentences":[{"text":"Because one good portal actually for you, if you do are interested, is is something that's called paycalculator.","start":1647.03,"end":1655.895,"sentiment":"neutral","sentiment_score":0.20521167665719986},{"text":"Just paycalculator.com.au.","start":1655.895,"end":1658.3151,"sentiment":"neutral","sentiment_score":0.09317979589104652},{"text":"And yeah.","start":1658.855,"end":1660.635,"sentiment":"neutral","sentiment_score":-0.010427511297166348},{"text":"And and this exactly.","start":1660.775,"end":1665.915,"sentiment":"neutral","sentiment_score":-0.043451264034956694},{"text":"Yeah.","start":1667.255,"end":1667.755,"sentiment":"neutral","sentiment_score":-0.05866957828402519}],"sentiment":"neutral","sentiment_score":0.13432741165161133,"num_words":27,"start":1647.03,"end":1667.755},{"sentences":[{"text":"Yes.","start":1671.9299,"end":1672.4299,"sentiment":"neutral","sentiment_score":0.006166936829686165},{"text":"Yes.","start":1673.0499,"end":1673.5499,"sentiment":"neutral","sentiment_score":0.0046052150428295135},{"text":"Yes.","start":1676.09,"end":1676.59,"sentiment":"neutral","sentiment_score":0.020719323307275772},{"text":"It keeps the individual let me triple check.","start":1680.635,"end":1683.2749,"sentiment":"neutral","sentiment_score":-0.06472217012196779},{"text":"The individual is one zero one, because sometimes it's based on that.","start":1683.2749,"end":1688.1549,"sentiment":"neutral","sentiment_score":-0.040257362027963005}],"sentiment":"neutral","sentiment_score":-0.0421467056578916,"num_words":23,"start":1671.9299,"end":1688.1549},{"sentences":[{"text":"But let me just triple check because it changes every every financial year.","start":1688.1549,"end":1692.735,"sentiment":"neutral","sentiment_score":-0.04430693216048754},{"text":"Yeah.","start":1693.93,"end":1694.25,"sentiment":"neutral","sentiment_score":0.022013481706380844},{"text":"Exactly.","start":1694.25,"end":1694.7301,"sentiment":"neutral","sentiment_score":0.04076123237609863},{"text":"So it's now up through a 101 for individuals and families and couples over two zero two.","start":1694.7301,"end":1703.39,"sentiment":"neutral","sentiment_score":0.04608199219493305},{"text":"Two zero two.","start":1704.81,"end":1705.6901,"sentiment":"neutral","sentiment_score":0.003715398100515207}],"sentiment":"neutral","sentiment_score":0.008037847360329968,"num_words":35,"start":1688.1549,"end":1705.6901},{"sentences":[{"text":"Yes.","start":1705.6901,"end":1706.1901,"sentiment":"neutral","sentiment_score":0.027108438313007355},{"text":"Yes.","start":1709.155,"end":1709.655,"sentiment":"neutral","sentiment_score":0.03530962020158768},{"text":"Yes.","start":1710.595,"end":1711.095,"sentiment":"neutral","sentiment_score":0.024932853877544403},{"text":"And that is to the side where most people use it.","start":1716.835,"end":1718.6749,"sentiment":"neutral","sentiment_score":-0.0912639085542072},{"text":"Some people are like, oh, I don't see the point in having it.","start":1718.6749,"end":1720.595,"sentiment":"neutral","sentiment_score":-0.3182872384786606}],"sentiment":"neutral","sentiment_score":-0.1871957845158047,"num_words":27,"start":1705.6901,"end":1720.595},{"sentences":[{"text":"And I was like, that's fine.","start":1720.595,"end":1721.475,"sentiment":"neutral","sentiment_score":0.009340136467168728},{"text":"Just check it from the tax.","start":1721.475,"end":1724.74,"sentiment":"neutral","sentiment_score":0.006570470208923022},{"text":"Yes.","start":1724.74,"end":1725.24,"sentiment":"neutral","sentiment_score":0.1207072138786316},{"text":"Yes.","start":1728.1799,"end":1728.6799,"sentiment":"neutral","sentiment_score":0.2896599769592285},{"text":"Which is great.","start":1729.46,"end":1730.5,"sentiment":"positive","sentiment_score":0.7667293945948283}],"sentiment":"neutral","sentiment_score":0.16505994203993501,"num_words":17,"start":1720.595,"end":1730.5},{"sentences":[{"text":"Now on so you can check it as well how much.","start":1730.5,"end":1733.62,"sentiment":"neutral","sentiment_score":0.14562228254296564},{"text":"You can always call me if you're unsure, and I can calculate it for you.","start":1733.62,"end":1736.76,"sentiment":"neutral","sentiment_score":0.08923644324143727},{"text":"But even on the ATO website, they actually have a little table, and it shows you the different rates.","start":1736.855,"end":1744.855,"sentiment":"neutral","sentiment_score":0.08639896504188839},{"text":"So if your combined income is between $2.00 2 and 236, the levy the levy start charge is 1%.","start":1744.855,"end":1754.5199,"sentiment":"neutral","sentiment_score":0.08974417749988406},{"text":"And then it goes up to 1.5 if it's combined $3.16.","start":1754.8999,"end":1759.96,"sentiment":"neutral","sentiment_score":0.09363484111699191}],"sentiment":"neutral","sentiment_score":0.09756126289566358,"num_words":75,"start":1730.5,"end":1759.96},{"sentences":[{"text":"So it is definitely worth considering if you guys go above $2.00 2 just to see, yeah, okay, how much is the the private health, but how much are we saving on tax as well?","start":1760.5,"end":1772.555,"sentiment":"neutral","sentiment_score":0.10493507768426623},{"text":"And sometimes sometimes depending on the the income, it's actually cheaper.","start":1772.555,"end":1776.2351,"sentiment":"neutral","sentiment_score":0.04501929692924023},{"text":"Sometimes it's a little bit more, but then you do have private health instead, and you don't pay additional tax.","start":1776.2351,"end":1781.135,"sentiment":"neutral","sentiment_score":0.03604294825345278},{"text":"So definitely.","start":1781.435,"end":1782.655,"sentiment":"neutral","sentiment_score":0.13922500982880592},{"text":"Exactly.","start":1784.0,"end":1784.5,"sentiment":"neutral","sentiment_score":0.09973077476024628}],"sentiment":"neutral","sentiment_score":0.07633303977765035,"num_words":69,"start":1760.5,"end":1784.5},{"sentences":[{"text":"Yep.","start":1785.9199,"end":1786.32,"sentiment":"neutral","sentiment_score":0.2735093832015991},{"text":"Amazing.","start":1786.32,"end":1786.82,"sentiment":"positive","sentiment_score":0.5280462503433228},{"text":"Definitely have a look at it, yeah, especially with the little pay increase in in the family.","start":1786.96,"end":1790.98,"sentiment":"positive","sentiment_score":0.37956543354427114},{"text":"And, yeah, if you have any issues or questions, you can always just let me know, and I can always run the numbers for you.","start":1791.84,"end":1796.98,"sentiment":"neutral","sentiment_score":0.210417178273201},{"text":"That is no problem.","start":1797.695,"end":1799.235,"sentiment":"neutral","sentiment_score":0.20129099115729332}],"sentiment":"neutral","sentiment_score":0.2774950296928485,"num_words":48,"start":1785.9199,"end":1799.235},{"sentences":[{"text":"But that was basically everything that I kind of needed to run through on my end for you there, Heather.","start":1800.015,"end":1806.035,"sentiment":"neutral","sentiment_score":0.14162224493920803},{"text":"Do you have any other questions for me or anything else at this point otherwise?","start":1807.135,"end":1812.035,"sentiment":"neutral","sentiment_score":0.039298835396766665},{"text":"No?","start":1812.6,"end":1813.1,"sentiment":"neutral","sentiment_score":-0.1547476053237915},{"text":"Okay.","start":1813.32,"end":1813.82,"sentiment":"neutral","sentiment_score":-0.10653315484523772},{"text":"Amazing.","start":1814.04,"end":1814.54,"sentiment":"neutral","sentiment_score":-0.1526438593864441}],"sentiment":"neutral","sentiment_score":0.0791579686889523,"num_words":38,"start":1800.015,"end":1814.54},{"sentences":[{"text":"Yes.","start":1823.4,"end":1823.7999,"sentiment":"neutral","sentiment_score":-0.07451335340738297},{"text":"Yes.","start":1823.7999,"end":1824.2999,"sentiment":"neutral","sentiment_score":-0.03473372757434845},{"text":"Yeah.","start":1825.575,"end":1826.075,"sentiment":"neutral","sentiment_score":-0.04418394714593887},{"text":"And the kid's going up.","start":1827.815,"end":1829.355,"sentiment":"neutral","sentiment_score":-0.0008096766658127307},{"text":"Yeah.","start":1831.335,"end":1831.835,"sentiment":"neutral","sentiment_score":-0.024638419970870015}],"sentiment":"neutral","sentiment_score":-0.020235314603067107,"num_words":9,"start":1823.4,"end":1831.835},{"sentences":[{"text":"Yeah.","start":1832.375,"end":1832.875,"sentiment":"neutral","sentiment_score":-0.016372185200452805},{"text":"Yeah.","start":1833.575,"end":1834.075,"sentiment":"neutral","sentiment_score":0.011645236983895302},{"text":"Yes.","start":1835.655,"end":1836.155,"sentiment":"neutral","sentiment_score":0.05512294918298721},{"text":"Yes.","start":1837.9401,"end":1838.4401,"sentiment":"neutral","sentiment_score":0.09101878851652144},{"text":"Makes it cheaper.","start":1839.3,"end":1840.28,"sentiment":"neutral","sentiment_score":0.23896598319212595}],"sentiment":"neutral","sentiment_score":0.12261610557990414,"num_words":7,"start":1832.375,"end":1840.28},{"sentences":[{"text":"Yeah.","start":1840.5,"end":1841.0,"sentiment":"neutral","sentiment_score":0.17984867095947266},{"text":"Massive.","start":1841.7001,"end":1842.2001,"sentiment":"positive","sentiment_score":0.3887351453304291},{"text":"So I I will get who was the guy you spoke to when we booked you in, I'll get him to forward you that email for Neos with the rebate so you have it for you.","start":1843.78,"end":1852.755,"sentiment":"positive","sentiment_score":0.3348848856985569},{"text":"So you can actually see see all of that.","start":1852.915,"end":1855.475,"sentiment":"neutral","sentiment_score":0.2077194932434294},{"text":"Now in the documents I did send you, you will have the new premium.","start":1855.475,"end":1858.435,"sentiment":"neutral","sentiment_score":0.16808678529092244}],"sentiment":"neutral","sentiment_score":0.2761824612246185,"num_words":61,"start":1840.5,"end":1858.435},{"sentences":[{"text":"If you forget, it's all in there.","start":1858.435,"end":1859.635,"sentiment":"neutral","sentiment_score":0.08302065410784312},{"text":"You can always call me if you're unsure.","start":1859.635,"end":1861.255,"sentiment":"neutral","sentiment_score":0.015143445343710482},{"text":"We'll leave it for now if anything.","start":1861.635,"end":1863.335,"sentiment":"neutral","sentiment_score":-0.01801093135561262},{"text":"Yeah.","start":1869.97,"end":1870.47,"sentiment":"neutral","sentiment_score":-0.21600767970085144},{"text":"Yes.","start":1872.13,"end":1872.63,"sentiment":"neutral","sentiment_score":0.02062410488724709}],"sentiment":"neutral","sentiment_score":0.01586800196673721,"num_words":24,"start":1858.435,"end":1872.63},{"sentences":[{"text":"Yes.","start":1872.93,"end":1873.43,"sentiment":"neutral","sentiment_score":0.04735710471868515},{"text":"And we'll we'll have a look.","start":1873.49,"end":1875.3301,"sentiment":"neutral","sentiment_score":0.07142735520998637},{"text":"So when his premium does go down, I'll tell him to let me know as well if he wants to revisit it because then I can kind of run through that with him and see, okay.","start":1875.3301,"end":1888.315,"sentiment":"neutral","sentiment_score":0.04605426158135136},{"text":"What's what how much is it?","start":1888.315,"end":1890.495,"sentiment":"neutral","sentiment_score":-0.00986992249575754},{"text":"Now sometimes it is more expensive.","start":1890.875,"end":1892.735,"sentiment":"neutral","sentiment_score":-0.125693766400218}],"sentiment":"neutral","sentiment_score":0.02400895490057089,"num_words":55,"start":1872.93,"end":1892.735},{"sentences":[{"text":"Exactly.","start":1894.14,"end":1894.64,"sentiment":"neutral","sentiment_score":-0.07125729322433472},{"text":"It would just be if he wants to really look at it.","start":1895.02,"end":1897.92,"sentiment":"neutral","sentiment_score":-0.10616215504705906},{"text":"He can just call me, and I can run it, and then that gives him at least what's the premium.","start":1899.7401,"end":1904.7201,"sentiment":"neutral","sentiment_score":0.052034149132668975},{"text":"And then he can see whether it's worth it or not, what he would like to do.","start":1905.18,"end":1909.155,"sentiment":"neutral","sentiment_score":0.0154184310368317},{"text":"Yeah.","start":1909.3151,"end":1909.8151,"sentiment":"neutral","sentiment_score":0.03867735341191292}],"sentiment":"neutral","sentiment_score":-0.00007312725681592437,"num_words":51,"start":1894.14,"end":1909.8151},{"sentences":[{"text":"Yeah.","start":1914.355,"end":1914.675,"sentiment":"neutral","sentiment_score":-0.003485779743641615},{"text":"I do have a reminder here for the team to to get in touch with him.","start":1914.675,"end":1918.295,"sentiment":"neutral","sentiment_score":0.13137806160375476},{"text":"I think when I spoke to him, he told me the the month.","start":1918.355,"end":1921.095,"sentiment":"neutral","sentiment_score":0.03584108473016666},{"text":"So we'll reach out to him when it's gone that twelve months, and then we'll help him do it.","start":1921.41,"end":1925.75,"sentiment":"neutral","sentiment_score":0.08949295117666847},{"text":"Because sometimes it's easier than trying to go directly to the insurance, especially if they are a little bit tricky.","start":1926.6901,"end":1930.93,"sentiment":"neutral","sentiment_score":0.013272926025092602}],"sentiment":"neutral","sentiment_score":0.06565683913430657,"num_words":69,"start":1914.355,"end":1930.93},{"sentences":[{"text":"So if there's ever anything you need for the insurance or super, just call me.","start":1930.93,"end":1935.765,"sentiment":"neutral","sentiment_score":0.06649808287620544},{"text":"It's easier for you.","start":1935.765,"end":1937.225,"sentiment":"neutral","sentiment_score":0.12424539029598236},{"text":"Yes.","start":1938.965,"end":1939.465,"sentiment":"neutral","sentiment_score":0.1177431270480156},{"text":"Yes.","start":1940.245,"end":1940.725,"sentiment":"positive","sentiment_score":0.5203824043273926},{"text":"Amazing.","start":1940.725,"end":1941.225,"sentiment":"positive","sentiment_score":0.7436439394950867}],"sentiment":"neutral","sentiment_score":0.13073737614534117,"num_words":22,"start":1930.93,"end":1941.225},{"sentences":[{"text":"Well, I will let you go and enjoy the rest of your afternoon.","start":1941.765,"end":1944.325,"sentiment":"positive","sentiment_score":0.6688020596137414},{"text":"I will get the team to forward you the refund.","start":1944.325,"end":1946.825,"sentiment":"positive","sentiment_score":0.49053097069263457},{"text":"I will also keep a lookout for for that record of advice just to show the change.","start":1947.51,"end":1951.77,"sentiment":"neutral","sentiment_score":0.2958749550230363},{"text":"But if anything does change otherwise to your end or together or anything, just let me know, and we can always do a catch up whenever you guys want to.","start":1952.63,"end":1960.515,"sentiment":"neutral","sentiment_score":0.08663486602405707},{"text":"Yeah.","start":1960.515,"end":1961.015,"sentiment":"neutral","sentiment_score":0.03537609055638313}],"sentiment":"neutral","sentiment_score":0.29949341955739006,"num_words":71,"start":1941.765,"end":1961.015},{"sentences":[{"text":"Yes.","start":1966.675,"end":1967.175,"sentiment":"neutral","sentiment_score":-0.002620140090584755},{"text":"Yeah.","start":1967.795,"end":1968.295,"sentiment":"neutral","sentiment_score":-0.01248143706470728},{"text":"So then yes.","start":1976.62,"end":1977.76,"sentiment":"neutral","sentiment_score":-0.012256313425799211},{"text":"Exactly.","start":1980.78,"end":1981.28,"sentiment":"neutral","sentiment_score":0.06505945324897766},{"text":"Yeah.","start":1981.4199,"end":1981.74,"sentiment":"neutral","sentiment_score":0.06627244502305984}],"sentiment":"neutral","sentiment_score":0.011351625834192549,"num_words":7,"start":1966.675,"end":1981.74},{"sentences":[{"text":"Once you have a bit more certainty on that jointly, and you can be on the phone together as well if you want to do that.","start":1981.74,"end":1987.82,"sentiment":"neutral","sentiment_score":0.07611964786281952},{"text":"We could, yeah, we could do that.","start":1987.82,"end":1989.645,"sentiment":"neutral","sentiment_score":0.1952385881117412},{"text":"As long as that's Yeah.","start":1989.785,"end":1991.865,"sentiment":"neutral","sentiment_score":0.16840209066867828},{"text":"Beautiful.","start":1991.865,"end":1992.365,"sentiment":"positive","sentiment_score":0.4868271648883819},{"text":"You have my email.","start":1992.425,"end":1993.145,"sentiment":"neutral","sentiment_score":0.24473783001303673}],"sentiment":"neutral","sentiment_score":0.13147836975580038,"num_words":43,"start":1981.74,"end":1993.145},{"sentences":[{"text":"Otherwise, just give the office a call, and they'll book you in with me.","start":1993.145,"end":1996.125,"sentiment":"neutral","sentiment_score":0.2216701145683016},{"text":"No problem at all.","start":1997.865,"end":1998.665,"sentiment":"positive","sentiment_score":0.4320577085018158},{"text":"I hope you enjoy the rest of your afternoon or days more so morning still.","start":1998.665,"end":2003.3401,"sentiment":"positive","sentiment_score":0.38932001690069834},{"text":"Oh, that's beautiful.","start":2005.48,"end":2006.54,"sentiment":"positive","sentiment_score":0.7775587836901346},{"text":"Oh, hopefully, traffic traffic shouldn't be too bad by this time, hopefully.","start":2009.3201,"end":2014.14,"sentiment":"neutral","sentiment_score":0.17307591810822487}],"sentiment":"neutral","sentiment_score":0.3141875012467305,"num_words":48,"start":1993.145,"end":2014.14},{"sentences":[{"text":"Yeah.","start":2016.835,"end":2016.995,"sentiment":"neutral","sentiment_score":0.1166023164987564},{"text":"No.","start":2016.995,"end":2017.235,"sentiment":"neutral","sentiment_score":0.04647897928953171},{"text":"It was raining here as well, but it's sunny now on in Southport.","start":2017.235,"end":2021.655,"sentiment":"neutral","sentiment_score":0.15804914614328971},{"text":"So hopefully yeah.","start":2021.875,"end":2024.055,"sentiment":"neutral","sentiment_score":0.03649212668339411},{"text":"Yeah.","start":2024.4349,"end":2024.835,"sentiment":"neutral","sentiment_score":0.12230655550956726}],"sentiment":"neutral","sentiment_score":0.12892121743214757,"num_words":19,"start":2016.835,"end":2024.835},{"sentences":[{"text":"Hopefully.","start":2024.835,"end":2025.335,"sentiment":"neutral","sentiment_score":0.20740900933742523},{"text":"Well, have a safe drive, and I look forward to speaking with you soon again.","start":2025.395,"end":2028.695,"sentiment":"positive","sentiment_score":0.4263826638460159},{"text":"No worries.","start":2030.289,"end":2031.009,"sentiment":"positive","sentiment_score":0.3482770025730133},{"text":"Speak to you soon.","start":2031.009,"end":2031.9089,"sentiment":"positive","sentiment_score":0.35066112875938416},{"text":"Bye.","start":2032.769,"end":2033.269,"sentiment":"neutral","sentiment_score":-0.11255265027284622}],"sentiment":"positive","sentiment_score":0.3734693407364514,"num_words":23,"start":2024.835,"end":2033.269}]}}]},{"alternatives":[{"transcript":"Good morning. Heather speaking. Hey. I'm all good. I'm just trying to turn this volume up. It's quiet. I'm just driving the car at the moment. Yeah. It's just a bit quiet. Yeah. Sometimes the lines can be quiet. I'll I'll try my best anyway. I'm on the highway, so I haven't really got a a place to pull over just yet. That's alright. We'll get going. Yeah. I know. Yeah. You're all good. Yeah. Yeah. I mean, the reason I made the appointment wasn't for the annual review. It was someone else made it that pretty much, the the guy I spoke to a week ago. Yep. Yeah. Sure. Yeah. It's just the same thing that I just spoke to you several weeks ago about. Yeah. So it's Heather Amanda Thompson. What was the second one? Oh, 05/1957. Yes. Yes. I'm good. Yeah. I just wanted to do the same as Hayden. I just wanna cancel the trauma insurance. Sorry. The sorry. The what? Yes. It's it's it's just something I pay with my own money. So that's just my one. Oh, yeah. That one's fine. Yeah. Yeah. Yeah. Yeah. That's fine. I'm just trying to work out what you mean by the attached to a trauma o one. Is that something Hayden had as well? So did he cancel? Okay. Yep. Yep. Sorry. My water's been removed? Oh, yes. Sweet. Okay. So that has oh, that yeah. I never got confirmation about that. No one emailed me back. Nothing. A copy of Oh, no. So so I, yeah, I emailed them at the start of the year because that because I you know, we we spoke, you know, before we even set up the account, and I chose to stop smoking then. And then when I emailed them earlier in the year, they turned around and said, oh, we have on record that you've been smoking since April, so you need to email us back in April. And I'm like so, like, to me, that was cheesy because it's like, just because I set up the account in April doesn't mean that I was still smoking in April. So I had to wait three months to re email them back the same form with an April date to to make up the 12. Yeah. That's fine. I just followed their rules. But, yeah, I just did a I sent my back the form in April and just did here's my form. I'm not smoking. Can you please adjust my premium accordingly? And then I gave her her back to her again. So it has been adjusted. Okay. Oh, yeah. Oh, okay. Yeah. Because I just replied to the email that I got the documents from. You know? Yep. Yeah. Can I help you? Yep. Yes. So yeah. Of course. So I don't even know what the difference was. So, like, that was something that I would like to know. I like to I like to see it that that it the the premium change. You know what I mean? Because that was the incentive right from the start when we had the meeting. You, you know, you said, you know, if you choose not to smoke, obviously, your premium is cheaper. So you know oh, really? Yeah. So I've actually notate and give up smoking. It took them a lot longer that he's he'll be on his way to being smoke free too, which is what I wanted. I wanted what I wanted anyway. Oh, I thought he's smoking because he was smoking. So, yeah, he's he's he's been out before. Okay. Yep. Oh, yeah. Right. So what was my original premium that I was paying having spoken on there? Thank you. Oh, that's how much I spent the annual payment in. Yeah. Yep. Yeah. Because it increases all cause mortality. Wow. That's great. That'll be good for the pooper. Yeah. Good. Yeah. Because I did it for the money. Because at the end of the day, you know, like, if I did it for me, I wouldn't have been smoking in the first place. Perfect. Yeah. I don't know if I'll let Hayden know too. He's already been smoke free for quite some time now. So I'll let him know how much how much he's saving, and he'll be like, oh, I'm good. I did it. Yeah. For sure. Yeah. Yeah. Good. Perfect. Yep. Yep. Oh, I yeah. Like yeah. Because well well, we have that second property now, and it's just, like, it's just bleeding us. Yeah. Yeah. Okay. Yep. So save it again. So For the trauma. It wasn't wasn't I what was I paying? I was paying, like, 40 $8 or something. Oh. Oh, I didn't know if you realized it was that cheap now. Yeah. Because Hayden because Hayden's jumped. His one's, like, 48 and then went straight to 63. Yeah. Yeah. Right. So, yeah, so I just know that'd be so much of a jump, you know, like so, yeah, so so what what would it be? 20 instead of yep. Yep. Yeah. I think it was I think it was, like, 41, and then it went to 48. Oh, well, if it's only twenty 5 a month, I'm more inclined to keep that, actually. I didn't realize I could keep it, and it was still gonna be quite cheap. Yeah. Because it's better than the 48. Yeah. Please. Yeah. Let's let's do that. Yeah. That's that's quite affordable. Yeah. So in saying that, if Hayden was to be smoke free for a year and then rein can he reinstate this? Oh, okay. Yeah. Got you. Yeah. What she has had anyway. Yep. Okay. Perfect. Yeah. Okay. Yeah. Because our both reduced rates could have been the price of one. See, like, that's something we didn't know. Yeah. Yeah. No. I'll keep mine for now because that's I think that's reasonably affordable. Yep. Yep. Yep. Yeah. I'm happy with that. I think we can leave it for now. Yeah. Yeah. Thank you for that. Yeah. Yep. Yeah. Cool. Yeah. Sure. Yep. Yep. Yep. Yeah. I've been checking it. I've been waiting for it to hit that 50. And then all of a sudden, the fuel prices came along and, like, stalled it because I was like, you know, just, like, watching it get up. It would've made it too, but, yeah, that fuel prices just damaged it a little bit. Oh, no. Like, it's just it's something that is gonna go up and down. It's it's all of this. He's gotta he's gotta ride the wave, man. Yeah. Here we go. Yeah. No worries. Yeah. Yeah. I'm on the actual phone now. I just found a place to pull over. Yes. Yep. Yeah. I mean, they're they're quite the website's quite hard to read at the best of time. So I really just sorta I have absolutely no idea what what the summaries mean. I just I just look in there every now and again to make sure that my boss is paying in. Yeah. Oh, okay. Yep. Yeah. I mean, the only thing I I really just wanna say is where it, like, makes money around where I put in. You know, that's the only thing oh, perfect. Yep. Okay. Yep. Yeah. Yep. The what? Sorry. Oh, okay. Yeah. Okay. Oh, you expect that? Yeah. Okay. Okay. Okay. Yep. Okay. Okay. Yep. Okay. Yep. Okay. If you think it's best to change it, then that's fine. Okay. So it's your diversified. Yeah. Yep. Okay. Okay. And that's performing better at the moment than the other one. Okay. Okay. That's fine. Let's go with that then. Okay. Yep. Yeah. No problem. Just paper trail. Yep. Yeah, please. Yeah. Go on. Might as well stick with performing ones. Yep. Sure. Oh, cool. You mean this? Yep. No problem. Okay. Oh, that's good. That's good. It's always good when things don't change in the climate that it is. Yep. Mhmm. Yep. Yep. Okay. All good. Yes. No worries. Yeah. I'll be fine. Yep. Yep. Yes. Yep. Yep. Yep. Yeah. No. I want it to grow as as much as possible. Yep. Yeah. That's yeah. The dude that rang me last time to make this appointment, he asked heaps of quick different questions about employment and yeah. No. We're pretty good. You know, like, you know, we don't have any children and things like that. You know, like, it's just our investment property, obviously, that just pulling in pulling a bit of money at this minute. But but, like, it's it's coming up to tax time, you know, so we should get quite a good tax break with that. So that should really alleviate us with that one. But yeah. But he the guy said that it wasn't even listed there as as a thing. Oh, got you. Got you. Yeah. Yeah. Because because he asked for all the new prices on, like, the current property and stuff because he's like, oh, your house is valued at 900. I'm like, no. I'm pretty sure it's 1.2. And I was just basing it off whatever I saw on the Internet. Like, I don't it's not, like, properly evaluated. Yeah. Oh, perfect. Oh, okay. So it just carries across. No. I don't. So if we do get that, is that something I need to ring you and let you know? Yes. So because Hayden's just changed jobs again. So we're looking at looking at it for July to depending on how much we're gonna earn this year. I'll go what went to 2,027. So if yeah. Well, that's why we were looking at getting it. Yeah. Oh, okay. Oh, yeah. I think I've missed it. Yeah. So because Hayden hasn't got his first pay yet, we don't know what his annual pay will be for '20 '7 to '28. And because I have got a new job also since I spoke to you, I get paid less. So but if I change jobs together we may earn over the is it 201, 202? I think it's up to now. Yeah. I think last tax year, it was a 190 four. Yeah. I will two zero two. Yeah. Okay. Yeah. So we need to work out whether we're gonna earn more than $2.00 2 for the next financial year because we will more than likely probably jump onto some health insurance to avoid the Medicare levy. Oh, no. So we've never had it because we've never earned over a 194, but his his new job pays quite well, so it might push us over. Yep. Yeah. Yep. Yeah. So that's yeah. That's the plan. So we're we're definitely gonna look into that by July. Sure. Okay. Yeah. All good. No. I don't think so. No. No. Yeah. Like I like I said, like, I saw the trauma, you know, the premium jump. And, yeah, like, my my investment property is costing me an extra, like, 200 dollars a month, not including the interest rate that just came through last week. So yeah. So we just needed to cut back in in an area. So we're like, okay. We'll just cut back on trauma for now and revisit it later on. But, like, yeah, obviously, the most smoking thing helped me quite a lot. So I'm like, oh, okay. Well yeah. Sure. Yep. Yeah. It's just it's just a shame that the guy on the phone didn't say to Hayden, if you are smoke free for a year, this premium will have, and then he could have second guessed it. Yeah. Well, he's already canceled it. So oh, okay. Yeah. He could just yeah. You guys can do the numbers. Yeah. Yeah. For sure. I'll check him at home. I'll see how many I think he's only got a couple of months left to go on things like free. So yeah. Yeah. Yeah. Well, that's why I sent the email requesting the appointment. Yeah. Sure. Yeah. No dramas. I might speak to you in a couple of months about the private health insurance. We've just got like I said, I've just got to see because there's no point I like, I know what his hourly rate is, but he it looks like he's going to be doing considerably amount of overtime. So I need to know what what his weekly rate is gonna be and then times that by twelve. Oh, perfect. Yeah. No worries. I'll reach out for an appointment. Okay. Perfect. No worries. Thanks for holding. I still oh, I'm just coming. I've just I've just arrived in Byron Bay. So I'm down here for one delivery, and then I'm driving back to Brisbane. It's a very easy day. It's not too bad. It's just raining in New South Wales as usual. Oh, maybe it's on its way down or it's way up or something. Yeah. I shall. No worries. Thanks, Veronica. I appreciate that. Okay. Thank you. See you. 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morning. Heather speaking. Hey. I'm all good. I'm just trying to turn this volume up.\n\nIt's quiet. I'm just driving the car at the moment. Yeah. It's just a bit quiet. Yeah.\n\nSometimes the lines can be quiet. I'll I'll try my best anyway. I'm on the highway, so I haven't really got a a place to pull over just yet. That's alright. We'll get going.\n\nYeah. I know. Yeah. You're all good. Yeah.\n\nYeah. I mean, the reason I made the appointment wasn't for the annual review. It was someone else made it that pretty much, the the guy I spoke to a week ago. Yep. Yeah.\n\nSure. Yeah. It's just the same thing that I just spoke to you several weeks ago about. Yeah. So it's Heather Amanda Thompson.\n\nWhat was the second one? Oh, 05/1957. Yes. Yes. I'm good.\n\nYeah. I just wanted to do the same as Hayden. I just wanna cancel the trauma insurance. Sorry. The sorry.\n\nThe what? Yes. It's it's it's just something I pay with my own money. So that's just my one. Oh, yeah.\n\nThat one's fine. Yeah. Yeah. Yeah. Yeah.\n\nThat's fine. I'm just trying to work out what you mean by the attached to a trauma o one. Is that something Hayden had as well? So did he cancel? Okay.\n\nYep. Yep. Sorry. My water's been removed? Oh, yes.\n\nSweet. Okay. So that has oh, that yeah. I never got confirmation about that. No one emailed me back.\n\nNothing. A copy of Oh, no. So so I, yeah, I emailed them at the start of the year because that because I you know, we we spoke, you know, before we even set up the account, and I chose to stop smoking then. And then when I emailed them earlier in the year, they turned around and said, oh, we have on record that you've been smoking since April, so you need to email us back in April. And I'm like so, like, to me, that was cheesy because it's like, just because I set up the account in April doesn't mean that I was still smoking in April.\n\nSo I had to wait three months to re email them back the same form with an April date to to make up the 12. Yeah. That's fine. I just followed their rules. But, yeah, I just did a I sent my back the form in April and just did here's my form.\n\nI'm not smoking. Can you please adjust my premium accordingly? And then I gave her her back to her again. So it has been adjusted. Okay.\n\nOh, yeah. Oh, okay. Yeah. Because I just replied to the email that I got the documents from. You know?\n\nYep. Yeah. Can I help you? Yep. Yes.\n\nSo yeah. Of course. So I don't even know what the difference was. So, like, that was something that I would like to know. I like to I like to see it that that it the the premium change.\n\nYou know what I mean? Because that was the incentive right from the start when we had the meeting. You, you know, you said, you know, if you choose not to smoke, obviously, your premium is cheaper. So you know oh, really? Yeah.\n\nSo I've actually notate and give up smoking. It took them a lot longer that he's he'll be on his way to being smoke free too, which is what I wanted. I wanted what I wanted anyway. Oh, I thought he's smoking because he was smoking. So, yeah, he's he's he's been out before.\n\nOkay. Yep. Oh, yeah. Right. So what was my original premium that I was paying having spoken on there?\n\nThank you. Oh, that's how much I spent the annual payment in. Yeah. Yep. Yeah.\n\nBecause it increases all cause mortality. Wow. That's great. That'll be good for the pooper. Yeah.\n\nGood. Yeah. Because I did it for the money. Because at the end of the day, you know, like, if I did it for me, I wouldn't have been smoking in the first place. Perfect.\n\nYeah. I don't know if I'll let Hayden know too. He's already been smoke free for quite some time now. So I'll let him know how much how much he's saving, and he'll be like, oh, I'm good. I did it.\n\nYeah. For sure. Yeah. Yeah. Good.\n\nPerfect. Yep. Yep. Oh, I yeah. Like yeah.\n\nBecause well well, we have that second property now, and it's just, like, it's just bleeding us. Yeah. Yeah. Okay. Yep.\n\nSo save it again. So For the trauma. It wasn't wasn't I what was I paying? I was paying, like, 40 $8 or something. Oh.\n\nOh, I didn't know if you realized it was that cheap now. Yeah. Because Hayden because Hayden's jumped. His one's, like, 48 and then went straight to 63. Yeah.\n\nYeah. Right. So, yeah, so I just know that'd be so much of a jump, you know, like so, yeah, so so what what would it be? 20 instead of yep. Yep.\n\nYeah. I think it was I think it was, like, 41, and then it went to 48. Oh, well, if it's only twenty 5 a month, I'm more inclined to keep that, actually. I didn't realize I could keep it, and it was still gonna be quite cheap. Yeah.\n\nBecause it's better than the 48. Yeah. Please. Yeah. Let's let's do that.\n\nYeah. That's that's quite affordable. Yeah. So in saying that, if Hayden was to be smoke free for a year and then rein can he reinstate this? Oh, okay.\n\nYeah. Got you. Yeah. What she has had anyway. Yep.\n\nOkay. Perfect. Yeah. Okay. Yeah.\n\nBecause our both reduced rates could have been the price of one. See, like, that's something we didn't know. Yeah. Yeah. No.\n\nI'll keep mine for now because that's I think that's reasonably affordable. Yep. Yep. Yep. Yeah.\n\nI'm happy with that. I think we can leave it for now. Yeah. Yeah. Thank you for that.\n\nYeah. Yep. Yeah. Cool. Yeah.\n\nSure. Yep. Yep. Yep. Yeah.\n\nI've been checking it. I've been waiting for it to hit that 50. And then all of a sudden, the fuel prices came along and, like, stalled it because I was like, you know, just, like, watching it get up. It would've made it too, but, yeah, that fuel prices just damaged it a little bit. Oh, no.\n\nLike, it's just it's something that is gonna go up and down. It's it's all of this. He's gotta he's gotta ride the wave, man. Yeah. Here we go.\n\nYeah. No worries. Yeah. Yeah. I'm on the actual phone now.\n\nI just found a place to pull over. Yes. Yep. Yeah. I mean, they're they're quite the website's quite hard to read at the best of time.\n\nSo I really just sorta I have absolutely no idea what what the summaries mean. I just I just look in there every now and again to make sure that my boss is paying in. Yeah. Oh, okay. Yep.\n\nYeah. I mean, the only thing I I really just wanna say is where it, like, makes money around where I put in. You know, that's the only thing oh, perfect. Yep. Okay.\n\nYep. Yeah. Yep. The what? Sorry.\n\nOh, okay. Yeah. Okay. Oh, you expect that? Yeah.\n\nOkay. Okay. Okay. Yep. Okay.\n\nOkay. Yep. Okay. Yep. Okay.\n\nIf you think it's best to change it, then that's fine. Okay. So it's your diversified. Yeah. Yep.\n\nOkay. Okay. And that's performing better at the moment than the other one. Okay. Okay.\n\nThat's fine. Let's go with that then. Okay. Yep. Yeah.\n\nNo problem. Just paper trail. Yep. Yeah, please. Yeah.\n\nGo on. Might as well stick with performing ones. Yep. Sure. Oh, cool.\n\nYou mean this? Yep. No problem. Okay. Oh, that's good.\n\nThat's good. It's always good when things don't change in the climate that it is. Yep. Mhmm. Yep.\n\nYep. Okay. All good. Yes. No worries.\n\nYeah. I'll be fine. Yep. Yep. Yes.\n\nYep. Yep. Yep. Yeah. No.\n\nI want it to grow as as much as possible. Yep. Yeah. That's yeah. The dude that rang me last time to make this appointment, he asked heaps of quick different questions about employment and yeah.\n\nNo. We're pretty good. You know, like, you know, we don't have any children and things like that. You know, like, it's just our investment property, obviously, that just pulling in pulling a bit of money at this minute. But but, like, it's it's coming up to tax time, you know, so we should get quite a good tax break with that.\n\nSo that should really alleviate us with that one. But yeah. But he the guy said that it wasn't even listed there as as a thing. Oh, got you. Got you.\n\nYeah. Yeah. Because because he asked for all the new prices on, like, the current property and stuff because he's like, oh, your house is valued at 900. I'm like, no. I'm pretty sure it's 1.2.\n\nAnd I was just basing it off whatever I saw on the Internet. Like, I don't it's not, like, properly evaluated. Yeah. Oh, perfect. Oh, okay.\n\nSo it just carries across. No. I don't. So if we do get that, is that something I need to ring you and let you know? Yes.\n\nSo because Hayden's just changed jobs again. So we're looking at looking at it for July to depending on how much we're gonna earn this year. I'll go what went to 2,027. So if yeah. Well, that's why we were looking at getting it.\n\nYeah. Oh, okay. Oh, yeah. I think I've missed it. Yeah.\n\nSo because Hayden hasn't got his first pay yet, we don't know what his annual pay will be for '20 '7 to '28. And because I have got a new job also since I spoke to you, I get paid less. So but if I change jobs together we may earn over the is it 201, 202? I think it's up to now. Yeah.\n\nI think last tax year, it was a 190 four. Yeah. I will two zero two. Yeah. Okay.\n\nYeah. So we need to work out whether we're gonna earn more than $2.00 2 for the next financial year because we will more than likely probably jump onto some health insurance to avoid the Medicare levy. Oh, no. So we've never had it because we've never earned over a 194, but his his new job pays quite well, so it might push us over. Yep.\n\nYeah. Yep. Yeah. So that's yeah. That's the plan.\n\nSo we're we're definitely gonna look into that by July. Sure. Okay. Yeah. All good.\n\nNo. I don't think so. No. No. Yeah.\n\nLike I like I said, like, I saw the trauma, you know, the premium jump. And, yeah, like, my my investment property is costing me an extra, like, 200 dollars a month, not including the interest rate that just came through last week. So yeah. So we just needed to cut back in in an area. So we're like, okay.\n\nWe'll just cut back on trauma for now and revisit it later on. But, like, yeah, obviously, the most smoking thing helped me quite a lot. So I'm like, oh, okay. Well yeah. Sure.\n\nYep. Yeah. It's just it's just a shame that the guy on the phone didn't say to Hayden, if you are smoke free for a year, this premium will have, and then he could have second guessed it. Yeah. Well, he's already canceled it.\n\nSo oh, okay. Yeah. He could just yeah. You guys can do the numbers. Yeah.\n\nYeah. For sure. I'll check him at home. I'll see how many I think he's only got a couple of months left to go on things like free. So yeah.\n\nYeah. Yeah. Well, that's why I sent the email requesting the appointment. Yeah. Sure.\n\nYeah. No dramas. I might speak to you in a couple of months about the private health insurance. We've just got like I said, I've just got to see because there's no point I like, I know what his hourly rate is, but he it looks like he's going to be doing considerably amount of overtime. So I need to know what what his weekly rate is gonna be and then times that by twelve.\n\nOh, perfect. Yeah. No worries. I'll reach out for an appointment. Okay.\n\nPerfect. No worries. Thanks for holding. I still oh, I'm just coming. I've just I've just arrived in Byron Bay.\n\nSo I'm down here for one delivery, and then I'm driving back to Brisbane. It's a very easy day. It's not too bad. It's just raining in New South Wales as usual. Oh, maybe it's on its way down or it's way up or something.\n\nYeah. I shall. No worries. Thanks, Veronica. I appreciate that.\n\nOkay. Thank you. See you. Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":0.96,"end":1.5999999,"sentiment":"positive","sentiment_score":0.3334724009037018},{"text":"Heather speaking.","start":1.5999999,"end":2.34,"sentiment":"neutral","sentiment_score":0.1796528398990631},{"text":"Hey.","start":6.8799996,"end":7.2,"sentiment":"neutral","sentiment_score":0.32565420866012573},{"text":"I'm all good.","start":7.2,"end":8.16,"sentiment":"positive","sentiment_score":0.4709159235159556},{"text":"I'm just trying to turn this volume up.","start":8.16,"end":10.34,"sentiment":"neutral","sentiment_score":0.07004899624735117}],"sentiment":"neutral","sentiment_score":0.20781527692452073,"num_words":16,"start":0.96,"end":10.34},{"sentences":[{"text":"It's quiet.","start":10.96,"end":11.62,"sentiment":"neutral","sentiment_score":-0.02140518371015787},{"text":"I'm just driving the car at the moment.","start":12.825,"end":15.065,"sentiment":"neutral","sentiment_score":-0.024535427102819085},{"text":"Yeah.","start":15.065,"end":15.305,"sentiment":"neutral","sentiment_score":-0.01484206970781088},{"text":"It's just a bit quiet.","start":15.305,"end":16.445,"sentiment":"neutral","sentiment_score":-0.057030541449785234},{"text":"Yeah.","start":21.705,"end":22.205,"sentiment":"neutral","sentiment_score":-0.008466165512800217}],"sentiment":"neutral","sentiment_score":-0.03220910157131798,"num_words":17,"start":10.96,"end":22.205},{"sentences":[{"text":"Sometimes the lines can be quiet.","start":22.265,"end":24.205,"sentiment":"neutral","sentiment_score":-0.09085177443921566},{"text":"I'll I'll try my best anyway.","start":25.465,"end":27.005,"sentiment":"neutral","sentiment_score":-0.07653030442694823},{"text":"I'm on the highway, so I haven't really got a a place to pull over just yet.","start":27.9,"end":31.2,"sentiment":"neutral","sentiment_score":-0.07457278800361297},{"text":"That's alright.","start":31.26,"end":31.82,"sentiment":"neutral","sentiment_score":-0.004190132254734635},{"text":"We'll get going.","start":31.82,"end":32.64,"sentiment":"neutral","sentiment_score":-0.02389221390088399}],"sentiment":"neutral","sentiment_score":-0.06917902280795662,"num_words":34,"start":22.265,"end":32.64},{"sentences":[{"text":"Yeah.","start":36.94,"end":37.26,"sentiment":"neutral","sentiment_score":-0.036852121353149414},{"text":"I know.","start":37.26,"end":37.9,"sentiment":"neutral","sentiment_score":-0.0333810793235898},{"text":"Yeah.","start":37.9,"end":38.4,"sentiment":"neutral","sentiment_score":0.1566379964351654},{"text":"You're all good.","start":38.78,"end":39.68,"sentiment":"positive","sentiment_score":0.40766026576360065},{"text":"Yeah.","start":44.835,"end":45.234997,"sentiment":"neutral","sentiment_score":0.04945820942521095}],"sentiment":"neutral","sentiment_score":0.16568284039385617,"num_words":8,"start":36.94,"end":45.234997},{"sentences":[{"text":"Yeah.","start":45.234997,"end":45.554996,"sentiment":"neutral","sentiment_score":0.027538008987903595},{"text":"I mean, the reason I made the appointment wasn't for the annual review.","start":45.554996,"end":49.975,"sentiment":"neutral","sentiment_score":-0.04187057912349701},{"text":"It was someone else made it that pretty much, the the guy I spoke to a week ago.","start":50.754997,"end":55.254997,"sentiment":"neutral","sentiment_score":-0.04164898664587074},{"text":"Yep.","start":64.130005,"end":64.53,"sentiment":"neutral","sentiment_score":0.03690560162067413},{"text":"Yeah.","start":64.53,"end":64.85,"sentiment":"neutral","sentiment_score":0.04943294823169708}],"sentiment":"neutral","sentiment_score":-0.03470949204090763,"num_words":34,"start":45.234997,"end":64.85},{"sentences":[{"text":"Sure.","start":64.85,"end":65.35,"sentiment":"neutral","sentiment_score":0.06017382815480232},{"text":"Yeah.","start":66.61,"end":67.01,"sentiment":"neutral","sentiment_score":0.03573966771364212},{"text":"It's just the same thing that I just spoke to you several weeks ago about.","start":67.01,"end":70.39,"sentiment":"neutral","sentiment_score":0.03886629069844882},{"text":"Yeah.","start":73.115,"end":73.615,"sentiment":"neutral","sentiment_score":0.04976217448711395},{"text":"So it's Heather Amanda Thompson.","start":81.034996,"end":82.395,"sentiment":"neutral","sentiment_score":0.022019431367516516}],"sentiment":"neutral","sentiment_score":0.036468138594342316,"num_words":23,"start":64.85,"end":82.395},{"sentences":[{"text":"What was the second one?","start":82.395,"end":83.69499,"sentiment":"neutral","sentiment_score":0.019316158443689346},{"text":"Oh, 05/1957.","start":86.25,"end":90.509995,"sentiment":"neutral","sentiment_score":0.011209776625037193},{"text":"Yes.","start":98.075,"end":98.575,"sentiment":"neutral","sentiment_score":0.10224485397338869},{"text":"Yes.","start":99.755,"end":100.155,"sentiment":"positive","sentiment_score":0.3388252854347229},{"text":"I'm good.","start":100.155,"end":100.814995,"sentiment":"neutral","sentiment_score":0.25537005066871643}],"sentiment":"neutral","sentiment_score":0.09734641692855141,"num_words":11,"start":82.395,"end":100.814995},{"sentences":[{"text":"Yeah.","start":107.835,"end":108.155,"sentiment":"neutral","sentiment_score":0.022095488384366035},{"text":"I just wanted to do the same as Hayden.","start":108.155,"end":109.88,"sentiment":"neutral","sentiment_score":0.007994081825017929},{"text":"I just wanna cancel the trauma insurance.","start":109.88,"end":111.899994,"sentiment":"neutral","sentiment_score":-0.08272394804017884},{"text":"Sorry.","start":125.335,"end":125.735,"sentiment":"neutral","sentiment_score":-0.10768236219882964},{"text":"The sorry.","start":125.735,"end":126.135,"sentiment":"neutral","sentiment_score":-0.08062426745891571}],"sentiment":"neutral","sentiment_score":-0.03769781542941928,"num_words":20,"start":107.835,"end":126.135},{"sentences":[{"text":"The what?","start":126.135,"end":126.875,"sentiment":"neutral","sentiment_score":-0.0769665278494358},{"text":"Yes.","start":131.415,"end":131.915,"sentiment":"neutral","sentiment_score":0.02795754000544548},{"text":"It's it's it's just something I pay with my own money.","start":131.975,"end":134.315,"sentiment":"neutral","sentiment_score":-0.01786481352014975},{"text":"So that's just my one.","start":149.765,"end":151.465,"sentiment":"neutral","sentiment_score":0.06411133408546447},{"text":"Oh, yeah.","start":156.965,"end":157.36499,"sentiment":"neutral","sentiment_score":0.1449878066778183}],"sentiment":"neutral","sentiment_score":0.013716372350851694,"num_words":21,"start":126.135,"end":157.36499},{"sentences":[{"text":"That one's fine.","start":157.36499,"end":158.005,"sentiment":"neutral","sentiment_score":0.1501441647609075},{"text":"Yeah.","start":158.005,"end":158.245,"sentiment":"neutral","sentiment_score":0.10366226732730864},{"text":"Yeah.","start":158.245,"end":158.325,"sentiment":"neutral","sentiment_score":0.10503064095973969},{"text":"Yeah.","start":158.325,"end":158.405,"sentiment":"neutral","sentiment_score":0.11030574142932892},{"text":"Yeah.","start":158.405,"end":158.905,"sentiment":"neutral","sentiment_score":0.13744555413722992}],"sentiment":"neutral","sentiment_score":0.12955381401947566,"num_words":7,"start":157.36499,"end":158.905},{"sentences":[{"text":"That's fine.","start":158.965,"end":159.605,"sentiment":"positive","sentiment_score":0.3443751633167267},{"text":"I'm just trying to work out what you mean by the attached to a trauma o one.","start":159.605,"end":169.72,"sentiment":"neutral","sentiment_score":0.18226535793612986},{"text":"Is that something Hayden had as well?","start":169.72,"end":171.58,"sentiment":"neutral","sentiment_score":-0.025933676000152315},{"text":"So did he cancel?","start":173.87999,"end":174.94,"sentiment":"neutral","sentiment_score":0.0018132496625185013},{"text":"Okay.","start":177.23999,"end":177.73999,"sentiment":"neutral","sentiment_score":0.03747212141752243}],"sentiment":"neutral","sentiment_score":0.1177564774069094,"num_words":31,"start":158.965,"end":177.73999},{"sentences":[{"text":"Yep.","start":191.58499,"end":192.08499,"sentiment":"neutral","sentiment_score":0.09171339124441148},{"text":"Yep.","start":193.105,"end":193.605,"sentiment":"neutral","sentiment_score":0.2268698811531067},{"text":"Sorry.","start":197.48,"end":197.88,"sentiment":"neutral","sentiment_score":0.013202399015426636},{"text":"My water's been removed?","start":197.88,"end":199.1,"sentiment":"neutral","sentiment_score":0.0027392664924263954},{"text":"Oh, yes.","start":201.88,"end":202.68,"sentiment":"neutral","sentiment_score":0.07876551151275635}],"sentiment":"neutral","sentiment_score":0.05558597337868479,"num_words":9,"start":191.58499,"end":202.68},{"sentences":[{"text":"Sweet.","start":202.68,"end":203.0,"sentiment":"neutral","sentiment_score":0.107585109770298},{"text":"Okay.","start":203.0,"end":203.24,"sentiment":"neutral","sentiment_score":0.05886595696210861},{"text":"So that has oh, that yeah.","start":203.24,"end":204.6,"sentiment":"neutral","sentiment_score":0.007443396685024102},{"text":"I never got confirmation about that.","start":204.6,"end":206.52,"sentiment":"neutral","sentiment_score":-0.08769873902201653},{"text":"No one emailed me back.","start":206.52,"end":207.88,"sentiment":"negative","sentiment_score":-0.3447305977344513}],"sentiment":"neutral","sentiment_score":-0.10730178820851602,"num_words":19,"start":202.68,"end":207.88},{"sentences":[{"text":"Nothing.","start":207.88,"end":208.38,"sentiment":"neutral","sentiment_score":-0.1853870451450348},{"text":"A copy of Oh, no.","start":216.605,"end":223.68001,"sentiment":"neutral","sentiment_score":-0.1500656262040138},{"text":"So so I, yeah, I emailed them at the start of the year because that because I you know, we we spoke, you know, before we even set up the account, and I chose to stop smoking then.","start":223.68001,"end":237.285,"sentiment":"neutral","sentiment_score":0.12072300214908625},{"text":"And then when I emailed them earlier in the year, they turned around and said, oh, we have on record that you've been smoking since April, so you need to email us back in April.","start":237.845,"end":246.485,"sentiment":"neutral","sentiment_score":-0.07346847616136074},{"text":"And I'm like so, like, to me, that was cheesy because it's like, just because I set up the account in April doesn't mean that I was still smoking in April.","start":246.485,"end":255.40999,"sentiment":"negative","sentiment_score":-0.34863720401640863}],"sentiment":"neutral","sentiment_score":-0.08843082804232835,"num_words":110,"start":207.88,"end":255.40999},{"sentences":[{"text":"So I had to wait three months to re email them back the same form with an April date to to make up the 12.","start":255.55,"end":263.81,"sentiment":"neutral","sentiment_score":-0.23611702263355255},{"text":"Yeah.","start":275.98502,"end":276.30502,"sentiment":"neutral","sentiment_score":0.0230913944542408},{"text":"That's fine.","start":276.30502,"end":276.945,"sentiment":"neutral","sentiment_score":0.198139488697052},{"text":"I just followed their rules.","start":276.945,"end":278.225,"sentiment":"neutral","sentiment_score":0.2071992725133896},{"text":"But, yeah, I just did a I sent my back the form in April and just did here's my form.","start":278.225,"end":283.84,"sentiment":"neutral","sentiment_score":0.028637813031673433}],"sentiment":"neutral","sentiment_score":-0.07310948246773684,"num_words":53,"start":255.55,"end":283.84},{"sentences":[{"text":"I'm not smoking.","start":283.84,"end":284.8,"sentiment":"neutral","sentiment_score":-0.10716577370961507},{"text":"Can you please adjust my premium accordingly?","start":284.8,"end":287.7,"sentiment":"neutral","sentiment_score":-0.060014027037790844},{"text":"And then I gave her her back to her again.","start":287.84,"end":289.54,"sentiment":"neutral","sentiment_score":0.046027062460780144},{"text":"So it has been adjusted.","start":289.84,"end":291.86,"sentiment":"neutral","sentiment_score":0.10085289627313614},{"text":"Okay.","start":305.965,"end":306.20502,"sentiment":"neutral","sentiment_score":0.17286023497581482}],"sentiment":"neutral","sentiment_score":0.015223070405996762,"num_words":26,"start":283.84,"end":306.20502},{"sentences":[{"text":"Oh, yeah.","start":306.20502,"end":307.105,"sentiment":"neutral","sentiment_score":0.09428007528185844},{"text":"Oh, okay.","start":315.78998,"end":316.27,"sentiment":"neutral","sentiment_score":-0.0011594565585255623},{"text":"Yeah.","start":316.27,"end":316.50998,"sentiment":"neutral","sentiment_score":0.009334275498986244},{"text":"Because I just replied to the email that I got the documents from.","start":316.50998,"end":319.06998,"sentiment":"neutral","sentiment_score":0.006342259450600698},{"text":"You know?","start":319.06998,"end":319.65,"sentiment":"neutral","sentiment_score":0.001090063713490963}],"sentiment":"neutral","sentiment_score":0.01401025066152215,"num_words":20,"start":306.20502,"end":319.65},{"sentences":[{"text":"Yep.","start":325.835,"end":326.335,"sentiment":"neutral","sentiment_score":0.09756635129451752},{"text":"Yeah.","start":328.395,"end":328.63498,"sentiment":"neutral","sentiment_score":0.18285974860191345},{"text":"Can I help you?","start":328.63498,"end":329.615,"sentiment":"neutral","sentiment_score":0.16463807970285416},{"text":"Yep.","start":336.155,"end":336.655,"sentiment":"neutral","sentiment_score":0.16774646937847135},{"text":"Yes.","start":340.38,"end":340.88,"sentiment":"neutral","sentiment_score":0.12039342522621156}],"sentiment":"neutral","sentiment_score":0.15338978916406631,"num_words":8,"start":325.835,"end":340.88},{"sentences":[{"text":"So yeah.","start":343.9,"end":347.9,"sentiment":"neutral","sentiment_score":0.15884381532669067},{"text":"Of course.","start":347.9,"end":348.22,"sentiment":"neutral","sentiment_score":0.07243422791361809},{"text":"So I don't even know what the difference was.","start":348.22,"end":349.74,"sentiment":"neutral","sentiment_score":-0.012709373504751258},{"text":"So, like, that was something that I would like to know.","start":349.74,"end":351.58002,"sentiment":"neutral","sentiment_score":0.06438906355337663},{"text":"I like to I like to see it that that it the the premium change.","start":351.58002,"end":355.29498,"sentiment":"neutral","sentiment_score":0.21995252917210262}],"sentiment":"neutral","sentiment_score":0.1116856246565779,"num_words":39,"start":343.9,"end":355.29498},{"sentences":[{"text":"You know what I mean?","start":355.29498,"end":356.195,"sentiment":"neutral","sentiment_score":0.08849316984415054},{"text":"Because that was the incentive right from the start when we had the meeting.","start":357.455,"end":361.215,"sentiment":"neutral","sentiment_score":0.16071284668786184},{"text":"You, you know, you said, you know, if you choose not to smoke, obviously, your premium is cheaper.","start":361.215,"end":365.155,"sentiment":"neutral","sentiment_score":0.165209314889378},{"text":"So you know oh, really?","start":365.215,"end":370.21002,"sentiment":"neutral","sentiment_score":0.32193473279476165},{"text":"Yeah.","start":370.43002,"end":370.91,"sentiment":"neutral","sentiment_score":0.07462576031684875}],"sentiment":"neutral","sentiment_score":0.1709421580267507,"num_words":43,"start":355.29498,"end":370.91},{"sentences":[{"text":"So I've actually notate and give up smoking.","start":370.91,"end":373.73,"sentiment":"neutral","sentiment_score":0.02782412269152701},{"text":"It took them a lot longer that he's he'll be on his way to being smoke free too, which is what I wanted.","start":373.79,"end":381.935,"sentiment":"neutral","sentiment_score":0.07758715991740642},{"text":"I wanted what I wanted anyway.","start":381.935,"end":383.555,"sentiment":"neutral","sentiment_score":0.07356749040385087},{"text":"Oh, I thought he's smoking because he was smoking.","start":383.615,"end":385.715,"sentiment":"neutral","sentiment_score":-0.027926798289020855},{"text":"So, yeah, he's he's he's been out before.","start":385.935,"end":389.31497,"sentiment":"neutral","sentiment_score":0.033749973168596625}],"sentiment":"neutral","sentiment_score":0.04568817042228249,"num_words":54,"start":370.91,"end":389.31497},{"sentences":[{"text":"Okay.","start":417.245,"end":417.745,"sentiment":"neutral","sentiment_score":0.08517441153526306},{"text":"Yep.","start":426.91998,"end":427.41998,"sentiment":"neutral","sentiment_score":0.15231379866600037},{"text":"Oh, yeah.","start":434.68,"end":436.44,"sentiment":"neutral","sentiment_score":0.2951752543449402},{"text":"Right.","start":436.44,"end":436.94,"sentiment":"neutral","sentiment_score":0.25722983479499817},{"text":"So what was my original premium that I was paying having spoken on there?","start":442.195,"end":447.255,"sentiment":"neutral","sentiment_score":-0.0007202657205717904}],"sentiment":"neutral","sentiment_score":0.05657814913674405,"num_words":19,"start":417.245,"end":447.255},{"sentences":[{"text":"Thank you.","start":450.195,"end":451.015,"sentiment":"neutral","sentiment_score":0.17277301847934723},{"text":"Oh, that's how much I spent the annual payment 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you think it's best to change it, then that's fine.","start":1215.46,"end":1218.52,"sentiment":"neutral","sentiment_score":0.08183415335687724},{"text":"Okay.","start":1238.1299,"end":1238.45,"sentiment":"neutral","sentiment_score":0.005792972166091204},{"text":"So it's your diversified.","start":1238.45,"end":1239.4299,"sentiment":"neutral","sentiment_score":0.016631036065518856},{"text":"Yeah.","start":1239.57,"end":1240.07,"sentiment":"neutral","sentiment_score":0.08442603051662445},{"text":"Yep.","start":1240.21,"end":1240.71,"sentiment":"neutral","sentiment_score":0.12366437911987305}],"sentiment":"neutral","sentiment_score":0.06558795627723965,"num_words":18,"start":1215.46,"end":1240.71},{"sentences":[{"text":"Okay.","start":1251.6649,"end":1252.1649,"sentiment":"neutral","sentiment_score":0.07594183087348938},{"text":"Okay.","start":1258.465,"end":1258.68,"sentiment":"neutral","sentiment_score":0.18547719717025757},{"text":"And that's performing better at the moment than the 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good.","start":1806.735,"end":1807.475,"sentiment":"neutral","sentiment_score":0.23600924015045166}],"sentiment":"neutral","sentiment_score":0.1372537687420845,"num_words":15,"start":1783.125,"end":1807.475},{"sentences":[{"text":"No.","start":1811.455,"end":1811.855,"sentiment":"neutral","sentiment_score":-0.07459016144275665},{"text":"I don't think so.","start":1811.855,"end":1812.8151,"sentiment":"neutral","sentiment_score":-0.1819472275674343},{"text":"No.","start":1812.8151,"end":1813.3151,"sentiment":"neutral","sentiment_score":-0.1826740205287933},{"text":"No.","start":1813.535,"end":1814.035,"sentiment":"neutral","sentiment_score":-0.19291114807128903},{"text":"Yeah.","start":1814.975,"end":1815.215,"sentiment":"neutral","sentiment_score":-0.13735616207122803}],"sentiment":"neutral","sentiment_score":-0.16441505029797554,"num_words":8,"start":1811.455,"end":1815.215},{"sentences":[{"text":"Like I like I said, like, I saw the trauma, you know, the premium jump.","start":1815.215,"end":1819.49,"sentiment":"neutral","sentiment_score":-0.21807171205679576},{"text":"And, yeah, like, my my investment property is costing me an extra, like, 200 dollars a month, not including the interest rate that just came through last week.","start":1819.87,"end":1828.2101,"sentiment":"neutral","sentiment_score":-0.11391587555408478},{"text":"So yeah.","start":1828.75,"end":1830.045,"sentiment":"neutral","sentiment_score":-0.0033606942743062973},{"text":"So we just needed to cut back in in an area.","start":1830.285,"end":1832.925,"sentiment":"neutral","sentiment_score":-0.03157995031638579},{"text":"So we're like, okay.","start":1832.925,"end":1833.805,"sentiment":"neutral","sentiment_score":0.001582055352628231}],"sentiment":"neutral","sentiment_score":-0.11347488028307756,"num_words":60,"start":1815.215,"end":1833.805},{"sentences":[{"text":"We'll just cut back on trauma for now and revisit it later on.","start":1833.805,"end":1837.5651,"sentiment":"neutral","sentiment_score":0.010512872670705501},{"text":"But, like, yeah, obviously, the most smoking thing helped me quite a lot.","start":1837.5651,"end":1840.4451,"sentiment":"neutral","sentiment_score":0.15897005022718355},{"text":"So I'm like, oh, okay.","start":1840.4451,"end":1841.5651,"sentiment":"neutral","sentiment_score":0.22140720784664153},{"text":"Well yeah.","start":1841.5651,"end":1853.2999,"sentiment":"neutral","sentiment_score":0.2837785482406616},{"text":"Sure.","start":1853.2999,"end":1853.7999,"sentiment":"neutral","sentiment_score":0.19109779596328735}],"sentiment":"neutral","sentiment_score":0.11967555674559929,"num_words":34,"start":1833.805,"end":1853.7999},{"sentences":[{"text":"Yep.","start":1856.02,"end":1856.325,"sentiment":"neutral","sentiment_score":0.1411704272031784},{"text":"Yeah.","start":1861.6849,"end":1862.085,"sentiment":"neutral","sentiment_score":0.023005373775959015},{"text":"It's just it's just a shame that the guy on the phone didn't say to Hayden, if you are smoke free for a year, this premium will have, and then he could have second guessed it.","start":1862.085,"end":1871.705,"sentiment":"negative","sentiment_score":-0.3408197137630648},{"text":"Yeah.","start":1885.5,"end":1886.0,"sentiment":"neutral","sentiment_score":0.01498490571975708},{"text":"Well, he's already canceled it.","start":1891.9249,"end":1893.2849,"sentiment":"negative","sentiment_score":-0.3462996959686279}],"sentiment":"neutral","sentiment_score":-0.3141328970139677,"num_words":44,"start":1856.02,"end":1893.2849},{"sentences":[{"text":"So oh, okay.","start":1893.2849,"end":1898.245,"sentiment":"neutral","sentiment_score":-0.028179866261780262},{"text":"Yeah.","start":1898.245,"end":1898.485,"sentiment":"neutral","sentiment_score":0.04805469512939453},{"text":"He could just yeah.","start":1898.485,"end":1899.1,"sentiment":"neutral","sentiment_score":0.040084073320031166},{"text":"You guys can do the numbers.","start":1899.1,"end":1900.3999,"sentiment":"neutral","sentiment_score":0.040558360517024994},{"text":"Yeah.","start":1907.5,"end":1907.98,"sentiment":"neutral","sentiment_score":0.030842427164316177}],"sentiment":"neutral","sentiment_score":0.02653626532604297,"num_words":15,"start":1893.2849,"end":1907.98},{"sentences":[{"text":"Yeah.","start":1907.98,"end":1908.22,"sentiment":"neutral","sentiment_score":0.02365790866315365},{"text":"For sure.","start":1908.22,"end":1908.62,"sentiment":"neutral","sentiment_score":0.01683041825890541},{"text":"I'll check him at home.","start":1908.62,"end":1909.6599,"sentiment":"neutral","sentiment_score":0.0441906176507473},{"text":"I'll see how many I think he's only got a couple of months left to go on things like free.","start":1909.6599,"end":1919.5751,"sentiment":"neutral","sentiment_score":-0.006516626104712486},{"text":"So yeah.","start":1922.2551,"end":1926.48,"sentiment":"neutral","sentiment_score":0.07406259700655937}],"sentiment":"neutral","sentiment_score":0.009868816845119,"num_words":30,"start":1907.98,"end":1926.48},{"sentences":[{"text":"Yeah.","start":1936.4,"end":1936.64,"sentiment":"neutral","sentiment_score":0.09889057278633118},{"text":"Yeah.","start":1936.64,"end":1936.96,"sentiment":"neutral","sentiment_score":0.08586810529232025},{"text":"Well, that's why I sent the email requesting the appointment.","start":1936.96,"end":1939.78,"sentiment":"neutral","sentiment_score":0.11462692245841026},{"text":"Yeah.","start":1951.525,"end":1952.025,"sentiment":"neutral","sentiment_score":0.1779496818780899},{"text":"Sure.","start":1952.245,"end":1952.58,"sentiment":"neutral","sentiment_score":0.17123672366142273}],"sentiment":"neutral","sentiment_score":0.12001530772873334,"num_words":14,"start":1936.4,"end":1952.58},{"sentences":[{"text":"Yeah.","start":1960.58,"end":1960.98,"sentiment":"neutral","sentiment_score":0.020584329962730408},{"text":"No dramas.","start":1960.98,"end":1961.62,"sentiment":"neutral","sentiment_score":-0.0402911938726902},{"text":"I might speak to you in a couple of months about the private health insurance.","start":1961.62,"end":1966.44,"sentiment":"neutral","sentiment_score":-0.05841608842213949},{"text":"We've just got like I said, I've just got to see because there's no point I like, I know what his hourly rate is, but he it looks like he's going to be doing considerably amount of overtime.","start":1967.425,"end":1975.905,"sentiment":"neutral","sentiment_score":-0.04203275586233327},{"text":"So I need to know what what his weekly rate is gonna be and then times that by twelve.","start":1975.905,"end":1980.405,"sentiment":"neutral","sentiment_score":-0.006359611784941272}],"sentiment":"neutral","sentiment_score":-0.03539088974396388,"num_words":75,"start":1960.58,"end":1980.405},{"sentences":[{"text":"Oh, perfect.","start":1987.2699,"end":1988.09,"sentiment":"neutral","sentiment_score":0.22032536566257477},{"text":"Yeah.","start":1988.1499,"end":1988.6499,"sentiment":"neutral","sentiment_score":0.19182109832763672},{"text":"No worries.","start":1989.2699,"end":1989.83,"sentiment":"neutral","sentiment_score":0.1475256234407425},{"text":"I'll reach out for an appointment.","start":1989.83,"end":1991.13,"sentiment":"neutral","sentiment_score":0.14078808575868607},{"text":"Okay.","start":1995.99,"end":1996.3099,"sentiment":"neutral","sentiment_score":0.23780646920204165}],"sentiment":"neutral","sentiment_score":0.1675048383573691,"num_words":12,"start":1987.2699,"end":1996.3099},{"sentences":[{"text":"Perfect.","start":1996.3099,"end":1996.63,"sentiment":"positive","sentiment_score":0.40473753213882446},{"text":"No worries.","start":1996.63,"end":1997.0299,"sentiment":"neutral","sentiment_score":0.24356935918331146},{"text":"Thanks for holding.","start":1997.0299,"end":1997.715,"sentiment":"positive","sentiment_score":0.4894138077894847},{"text":"I still oh, I'm just coming.","start":2001.635,"end":2002.9149,"sentiment":"neutral","sentiment_score":0.1518323483566443},{"text":"I've just I've just arrived in Byron Bay.","start":2002.9149,"end":2004.6749,"sentiment":"positive","sentiment_score":0.4657273329794407}],"sentiment":"positive","sentiment_score":0.34984652139246464,"num_words":20,"start":1996.3099,"end":2004.6749},{"sentences":[{"text":"So I'm down here for one delivery, and then I'm driving back to Brisbane.","start":2004.6749,"end":2008.695,"sentiment":"neutral","sentiment_score":0.2773542159370014},{"text":"It's a very easy day.","start":2009.395,"end":2010.855,"sentiment":"positive","sentiment_score":0.48973435163497925},{"text":"It's not too bad.","start":2013.42,"end":2014.22,"sentiment":"neutral","sentiment_score":0.1498272381722927},{"text":"It's just raining in New South Wales as usual.","start":2014.22,"end":2016.4,"sentiment":"neutral","sentiment_score":0.10584998544719484},{"text":"Oh, maybe it's on its way down or it's way up or something.","start":2021.26,"end":2024.06,"sentiment":"neutral","sentiment_score":0.05340887921360823}],"sentiment":"neutral","sentiment_score":0.1906201118396388,"num_words":45,"start":2004.6749,"end":2024.06},{"sentences":[{"text":"Yeah.","start":2024.06,"end":2024.505,"sentiment":"neutral","sentiment_score":0.09591664373874664},{"text":"I shall.","start":2027.225,"end":2027.885,"sentiment":"neutral","sentiment_score":0.2617306038737297},{"text":"No worries.","start":2028.665,"end":2029.145,"sentiment":"positive","sentiment_score":0.34270718693733215},{"text":"Thanks, Veronica.","start":2029.145,"end":2029.665,"sentiment":"positive","sentiment_score":0.6671944856643677},{"text":"I appreciate that.","start":2029.665,"end":2030.685,"sentiment":"positive","sentiment_score":0.7826745708783468}],"sentiment":"positive","sentiment_score":0.4987204909324646,"num_words":10,"start":2024.06,"end":2030.685},{"sentences":[{"text":"Okay.","start":2031.465,"end":2031.785,"sentiment":"positive","sentiment_score":0.37064048647880554},{"text":"Thank you.","start":2031.785,"end":2032.345,"sentiment":"positive","sentiment_score":0.6897783875465393},{"text":"See you.","start":2032.345,"end":2032.585,"sentiment":"positive","sentiment_score":0.504591703414917},{"text":"Bye.","start":2032.585,"end":2033.085,"sentiment":"neutral","sentiment_score":0.304497629404068}],"sentiment":"positive","sentiment_score":0.510646382967631,"num_words":6,"start":2031.465,"end":2033.085}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Good morning. Heather speaking.\n\nChannel 0: Good morning, Heather. This is Veronica from OQ Financial. How are you?\n\nChannel 1: Hey. I'm all good. I'm just trying to turn this volume up. It's\n\nChannel 0: That's\n\nChannel 1: quiet.\n\nChannel 0: okay.\n\nChannel 1: I'm just\n\nChannel 0: Can\n\nChannel 1: driving\n\nChannel 0: you hear me?\n\nChannel 1: the car at the moment. Yeah. It's just a bit quiet.\n\nChannel 0: Okay. I'll see if I can turn it up a little bit, but I think I do have it on max.\n\nChannel 1: Yeah. Sometimes the lines can be quiet. I'll I'll try my best anyway.\n\nChannel 0: Okay.\n\nChannel 1: I'm on the\n\nChannel 0: If\n\nChannel 1: highway,\n\nChannel 0: you can't\n\nChannel 1: so I haven't really got a a place to pull over just yet. That's alright.\n\nChannel 0: No.\n\nChannel 1: We'll get\n\nChannel 0: That's\n\nChannel 1: going.\n\nChannel 0: okay. Alright. If you can't hear me, though, just ask me to repeat it, and I'll try to speak\n\nChannel 1: Yeah.\n\nChannel 0: a bit\n\nChannel 1: I\n\nChannel 0: louder\n\nChannel 1: know.\n\nChannel 0: for you.\n\nChannel 1: Yeah. You're all good.\n\nChannel 0: I had you booked in this morning for your annual review. Is now still a good time for you?\n\nChannel 1: Yeah. Yeah. I mean,\n\nChannel 0: Yep.\n\nChannel 1: the reason I made the appointment wasn't for the annual review. It was someone else made it that pretty much, the the guy I spoke to a week ago.\n\nChannel 0: Okay. Well, before I do go into the review, I'll just pass you through security, and then we can address what you wanted to talk about first.\n\nChannel 1: Yep. Yeah. Sure.\n\nChannel 0: And then I can tie that into\n\nChannel 1: Yeah.\n\nChannel 0: the annual\n\nChannel 1: It's\n\nChannel 0: review\n\nChannel 1: just the\n\nChannel 0: for\n\nChannel 1: same thing\n\nChannel 0: you.\n\nChannel 1: that I just spoke to you several weeks ago about.\n\nChannel 0: Yes. I figured.\n\nChannel 1: Yeah.\n\nChannel 0: Now just for security purposes, could I just get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: So it's Heather Amanda Thompson. What was the second one?\n\nChannel 0: Date of birth and\n\nChannel 1: Oh,\n\nChannel 0: address.\n\nChannel 1: 05/1957.\n\nChannel 0: Yep. Perfect. And before we do go any further, I just need to let you know that our calls are being recorded for quality and coaching\n\nChannel 1: Yes.\n\nChannel 0: purposes, if that's okay. Amazing.\n\nChannel 1: Yes. I'm good.\n\nChannel 0: Now questions from you first of, I guess, why you wanted to have the conversation.\n\nChannel 1: Yeah. I just wanted to do the same\n\nChannel 0: Yeah.\n\nChannel 1: as Hayden. I just wanna cancel the trauma insurance.\n\nChannel 0: Yes. Of course. We can do that. And just confirming that that would be the attached outside life as well.\n\nChannel 1: Sorry. The sorry. The what?\n\nChannel 0: Sorry. Let me get up your document just so I can explain it for you. So when we\n\nChannel 1: Yes.\n\nChannel 0: got your\n\nChannel 1: It's it's it's\n\nChannel 0: Nios,\n\nChannel 1: just something I pay with my own money.\n\nChannel 0: yes. Exactly. So with the trauma, now when we got that set up, we added a secondary life policy to it simply just to reduce the premium of your trauma. So what we can do,\n\nChannel 1: So\n\nChannel 0: which is\n\nChannel 1: that's\n\nChannel 0: what\n\nChannel 1: just\n\nChannel 0: we did for\n\nChannel 1: my one.\n\nChannel 0: it is just your outside. So you still have another life policy inside super.\n\nChannel 1: Oh, yeah. That\n\nChannel 0: It\n\nChannel 1: one's\n\nChannel 0: was\n\nChannel 1: fine. Yeah. Yeah. Yeah. Yeah.\n\nChannel 0: yes.\n\nChannel 1: That's fine. I'm\n\nChannel 0: Perfect.\n\nChannel 1: just trying to work out what you mean by the attached to a trauma\n\nChannel 0: Yeah. They just, like, linked together. So if I cancel one, it will cancel the other one.\n\nChannel 1: o one.\n\nChannel 0: But\n\nChannel 1: Is\n\nChannel 0: the\n\nChannel 1: that\n\nChannel 0: only\n\nChannel 1: something\n\nChannel 0: reason\n\nChannel 1: Hayden\n\nChannel 0: we\n\nChannel 1: had as well?\n\nChannel 0: correct. Yes.\n\nChannel 1: So\n\nChannel 0: So,\n\nChannel 1: did he cancel?\n\nChannel 0: yes, so\n\nChannel 1: Okay.\n\nChannel 0: what that would look like for you, just so you know, it would be that we would retain your life and TPD, which you have paid inside. But you will still have that, and that is 262,500. So that will\n\nChannel 1: Yep.\n\nChannel 0: stay in place. Now\n\nChannel 1: Yep.\n\nChannel 0: because your smokers' rate has been removed already, it's great.\n\nChannel 1: Sorry. My\n\nChannel 0: It's reduced\n\nChannel 1: water's been removed?\n\nChannel 0: the the smokers rate.\n\nChannel 1: Oh, yes. Sweet. Okay. So\n\nChannel 0: Yeah.\n\nChannel 1: that has oh, that yeah. I never\n\nChannel 0: That\n\nChannel 1: got\n\nChannel 0: has\n\nChannel 1: confirmation\n\nChannel 0: happened.\n\nChannel 1: about that. No one emailed me back. Nothing.\n\nChannel 0: Because I can see that Nios sent us a copy. It should they should have sent you a copy as well, but\n\nChannel 1: A copy of\n\nChannel 0: a confirmation to say it's been actioned.\n\nChannel 1: Oh, no. So\n\nChannel 0: No.\n\nChannel 1: so I, yeah, I emailed them at the start of the year because\n\nChannel 0: Yes.\n\nChannel 1: that because I you know, we we spoke, you know, before we\n\nChannel 0: Yes.\n\nChannel 1: even set up the account, and I chose\n\nChannel 0: Yes. Yes.\n\nChannel 1: to stop smoking then. And then when I emailed them earlier in the year, they turned around and said, oh, we have on record that you've been smoking since April, so you need to email us back in April. And I'm like so,\n\nChannel 0: Okay.\n\nChannel 1: like, to me, that was cheesy because it's like, just because I set up the account in April doesn't mean\n\nChannel 0: Yeah.\n\nChannel 1: that\n\nChannel 0: No.\n\nChannel 1: I was still smoking in April. So I had\n\nChannel 0: No.\n\nChannel 1: to wait three months to re email them back the same form with an April date to to make up the 12.\n\nChannel 0: That's yeah. And in the future too, because insurance can be tricky, they they don't always love when clients email them directly. They can be a little bit tricky that way. So to\n\nChannel 1: Yeah.\n\nChannel 0: make\n\nChannel 1: That's\n\nChannel 0: it\n\nChannel 1: fine.\n\nChannel 0: easy\n\nChannel 1: I\n\nChannel 0: for\n\nChannel 1: just\n\nChannel 0: you\n\nChannel 1: followed their rules. But, yeah, I just\n\nChannel 0: Yeah.\n\nChannel 1: did a I sent my back the form in April and just did here's my form. I'm not smoking. Can you please adjust\n\nChannel 0: Yeah.\n\nChannel 1: my premium accordingly?\n\nChannel 0: Yeah.\n\nChannel 1: And then I gave her\n\nChannel 0: Yeah.\n\nChannel 1: her back to her again. So it has\n\nChannel 0: Right.\n\nChannel 1: been adjusted.\n\nChannel 0: Yes. It has been. Now if there's anything you need from insurances as well to make it your life easier, I'm happy for you to just email me or call me what you need, and then I will speak to Neos on your\n\nChannel 1: Okay. Oh, yeah.\n\nChannel 0: behalf to to make it easier because then we can push them. If they were to tell me what they told you, I I would be like, no. So if\n\nChannel 1: Oh, okay. Yeah. Because I just replied to the email that I got the documents from. You know?\n\nChannel 0: yeah. Yeah. Sorry. Anything you need for from either your super or your insurances, just\n\nChannel 1: Yep.\n\nChannel 0: email me, and then I will do that for you.\n\nChannel 1: Yeah.\n\nChannel 0: I\n\nChannel 1: Can\n\nChannel 0: will\n\nChannel 1: I help\n\nChannel 0: get\n\nChannel 1: you?\n\nChannel 0: the team to forward you the copy of the email we got from yours anyway so that you have that copy.\n\nChannel 1: Yep.\n\nChannel 0: I'll get them to forward that. But, yes, I can see here\n\nChannel 1: Yes.\n\nChannel 0: that it has been removed, and it actually\n\nChannel 1: So\n\nChannel 0: made the premium a lot cheaper for you.\n\nChannel 1: yeah. Of course. So I don't even know what the difference was. So, like, that was something that I would like to know. I like to I like to\n\nChannel 0: Yes.\n\nChannel 1: see it that that it the the premium change. You know what I mean?\n\nChannel 0: Yes. Sorry. I\n\nChannel 1: Because\n\nChannel 0: will\n\nChannel 1: that\n\nChannel 0: I\n\nChannel 1: was\n\nChannel 0: will run\n\nChannel 1: the\n\nChannel 0: that\n\nChannel 1: incentive\n\nChannel 0: through with you.\n\nChannel 1: right from the start when we had the meeting.\n\nChannel 0: Yes.\n\nChannel 1: You, you know, you said, you know, if you choose not to smoke, obviously, your\n\nChannel 0: Yes.\n\nChannel 1: premium is cheaper. So\n\nChannel 0: Yes.\n\nChannel 1: you\n\nChannel 0: And\n\nChannel 1: know\n\nChannel 0: it's almost it's almost by half, which is great.\n\nChannel 1: oh, really? Yeah. So I've actually notate and give up smoking. It took them a lot longer that he's he'll be on his way to being smoke free too, which is what\n\nChannel 0: Yes.\n\nChannel 1: I wanted.\n\nChannel 0: Yes.\n\nChannel 1: I wanted what I\n\nChannel 0: Yes.\n\nChannel 1: wanted anyway. Oh, I thought\n\nChannel 0: Exactly.\n\nChannel 1: he's smoking because he was smoking. So,\n\nChannel 0: Yes. And\n\nChannel 1: yeah,\n\nChannel 0: double and\n\nChannel 1: he's\n\nChannel 0: I I do\n\nChannel 1: he's\n\nChannel 0: have a\n\nChannel 1: he's\n\nChannel 0: reminder.\n\nChannel 1: been out before.\n\nChannel 0: Yeah. And I do have that for him as well that we are looking at doing that as well. So which is great. So premium for you, if we start with inside super, it's been sorry. I'll just recap for you what it was.\n\nSo it was let me see here. Actually, it doesn't tell me here. It does tell me that your new premium after rebate is $404. Now\n\nChannel 1: Okay.\n\nChannel 0: you have got a refund from Neos because they pro rata it because you weren't a smokers the whole the whole duration.\n\nChannel 1: Yep.\n\nChannel 0: So you've actually got a refund for the premium that you were paying more for of 483 into your\n\nChannel 1: Oh,\n\nChannel 0: super. Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Massive\n\nChannel 1: Right.\n\nChannel 0: difference. So reduce them by basically half for you, which is fantastic.\n\nChannel 1: So what was\n\nChannel 0: Let\n\nChannel 1: my original premium that I was paying having spoken\n\nChannel 0: me\n\nChannel 1: on there?\n\nChannel 0: let me add that up for you if I can see\n\nChannel 1: Thank\n\nChannel 0: it.\n\nChannel 1: you.\n\nChannel 0: No. That's okay. Sorry. It would have been 83 plus about 887 around that, and\n\nChannel 1: Oh,\n\nChannel 0: it's now\n\nChannel 1: that's how\n\nChannel 0: down\n\nChannel 1: much I spent the annual payment in.\n\nChannel 0: yes. Exactly. So with smokers, the insurers do add, like, a a loading, they call it, on the premium\n\nChannel 1: Yeah. Yep.\n\nChannel 0: because of the increased risk. So they increase the premium, basically.\n\nChannel 1: Yeah. Because it increases\n\nChannel 0: So\n\nChannel 1: all cause mortality.\n\nChannel 0: exactly. So great news. It's it's 404 now, which is fantastic.\n\nChannel 1: Wow. That's\n\nChannel 0: And,\n\nChannel 1: great. That'll be good for the\n\nChannel 0: yeah,\n\nChannel 1: pooper. Yeah.\n\nChannel 0: exactly.\n\nChannel 1: Good.\n\nChannel 0: Now\n\nChannel 1: Yeah.\n\nChannel 0: with\n\nChannel 1: Because\n\nChannel 0: the\n\nChannel 1: I did\n\nChannel 0: out\n\nChannel 1: it for the money. Because at the\n\nChannel 0: yeah.\n\nChannel 1: end of the day, you know, like, if I did it for me, I wouldn't have\n\nChannel 0: Yep.\n\nChannel 1: been smoking in the first place.\n\nChannel 0: Yeah. And now it's like, well, your health will benefit from it, and the premium will be reduced. So\n\nChannel 1: Perfect.\n\nChannel 0: that's a\n\nChannel 1: Yeah.\n\nChannel 0: win win.\n\nChannel 1: I don't know if I'll let Hayden know too. He's already been smoke free for quite some time now. So I'll let him know how\n\nChannel 0: Yes.\n\nChannel 1: much how much he's saving, and he'll be like, oh, I'm good. I did it.\n\nChannel 0: Yeah. Exactly. And sometimes it is slightly different for males and females. Insurers do work at a little bit different, so it might not be completely half for him,\n\nChannel 1: Yeah.\n\nChannel 0: but\n\nChannel 1: For\n\nChannel 0: it will\n\nChannel 1: sure.\n\nChannel 0: be\n\nChannel 1: Yeah.\n\nChannel 0: a big different it will be a big save.\n\nChannel 1: Yeah. Good. Perfect.\n\nChannel 0: Now for your trauma, sorry, the the one you have out of pocket, which is the\n\nChannel 1: Yep.\n\nChannel 0: trauma, that's 52,500 as how much you were covered for, and then we do have a secondary life of the same amount simply just to reduce the cost for you. So we\n\nChannel 1: Yep.\n\nChannel 0: can go ahead and cancel both of those for you as long as, obviously, you understand that if you were to suffer those traumatic events, you won't have the cover in place. But I also understand cash flow and everything at the moment, especially with\n\nChannel 1: Oh,\n\nChannel 0: the\n\nChannel 1: I\n\nChannel 0: fuel\n\nChannel 1: yeah.\n\nChannel 0: prices\n\nChannel 1: Like\n\nChannel 0: for you guys.\n\nChannel 1: yeah.\n\nChannel 0: I\n\nChannel 1: Because well\n\nChannel 0: do\n\nChannel 1: well,\n\nChannel 0: completely\n\nChannel 1: we have\n\nChannel 0: get\n\nChannel 1: that\n\nChannel 0: it.\n\nChannel 1: second property now, and it's just, like,\n\nChannel 0: Yes.\n\nChannel 1: it's just bleeding us.\n\nChannel 0: Yes. And I completely get that.\n\nChannel 1: Yeah.\n\nChannel 0: Now for your reference as well, that has become cheaper for you out of pocket anyway, but we can still go ahead and cancel it. But I would just wanna let\n\nChannel 1: Yeah.\n\nChannel 0: you know how much you changed. So it is now $25.52 a month, and it was $34.18 a month. So it has seen it reduced again for you because there's no\n\nChannel 1: Okay.\n\nChannel 0: smokers rate. You still\n\nChannel 1: Yep.\n\nChannel 0: wanna go ahead and cancel it?\n\nChannel 1: So save it again. So\n\nChannel 0: It's now when the the premium has been reduced for the out of pocket, you will see that the the new premium so moving forward, if you decide to keep it, it's $25.52 a month. So it's about $6\n\nChannel 1: For\n\nChannel 0: 30\n\nChannel 1: the\n\nChannel 0: eight\n\nChannel 1: trauma.\n\nChannel 0: a week. Correct.\n\nChannel 1: It wasn't wasn't I what was I paying? I was paying, like,\n\nChannel 0: You\n\nChannel 1: 40 $8 or something.\n\nChannel 0: exactly. You were paying a lot more because of the smoker's rate, and now that's been removed for you. It had almost half it again. Yes.\n\nChannel 1: Oh. Oh, I didn't know if you realized it was that cheap now.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. Because Hayden because Hayden's jumped. His one's, like, 48 and then went straight to 63.\n\nChannel 0: They do increase with age, which is one of those things that you\n\nChannel 1: Yeah.\n\nChannel 0: become older. So the the smokers is the biggest thing to make it cheaper.\n\nChannel 1: Yeah. Right. So,\n\nChannel 0: So\n\nChannel 1: yeah,\n\nChannel 0: it's\n\nChannel 1: so\n\nChannel 0: up\n\nChannel 1: I just\n\nChannel 0: to you.\n\nChannel 1: know that'd be so much of a jump, you know, like\n\nChannel 0: Yes.\n\nChannel 1: so, yeah, so so what what would it be? 20 instead of\n\nChannel 0: Twenty five fifty two. So 25\n\nChannel 1: yep.\n\nChannel 0: dollars and 52¢ a month,\n\nChannel 1: Yep.\n\nChannel 0: and it was closer to it was 40 something before.\n\nChannel 1: Yeah. I think it was I think it was, like, 41, and then it went to 48.\n\nChannel 0: Yes. So you should, again, see if you haven't keep a lookout on your bank account because they have refunded you as well for the out of pocket expense. So you should have about\n\nChannel 1: Oh, well,\n\nChannel 0: 20\n\nChannel 1: if it's only\n\nChannel 0: $5.\n\nChannel 1: twenty 5 a month, I'm more\n\nChannel 0: Yeah.\n\nChannel 1: inclined to keep that, actually.\n\nChannel 0: Yeah.\n\nChannel 1: I didn't realize\n\nChannel 0: Okay.\n\nChannel 1: I could keep it, and it was still gonna be quite cheap. Yeah.\n\nChannel 0: Yes.\n\nChannel 1: Because it's better than the 48.\n\nChannel 0: A massive difference. Because what we can do is we can just keep it for the time being if you want. You\n\nChannel 1: Yeah.\n\nChannel 0: can still\n\nChannel 1: Please.\n\nChannel 0: cancel\n\nChannel 1: Yeah. Let's\n\nChannel 0: it\n\nChannel 1: let's\n\nChannel 0: whenever\n\nChannel 1: do that.\n\nChannel 0: you\n\nChannel 1: Yeah.\n\nChannel 0: want\n\nChannel 1: That's\n\nChannel 0: to.\n\nChannel 1: that's quite\n\nChannel 0: Yep.\n\nChannel 1: affordable. Yeah.\n\nChannel 0: Yes.\n\nChannel 1: So in saying that, if Hayden was to be smoke free for a year and then rein can he reinstate\n\nChannel 0: He can reapply.\n\nChannel 1: this?\n\nChannel 0: So he can't\n\nChannel 1: Oh, okay.\n\nChannel 0: reinstate it, but he can reapply. So we could look at how much a new policy would cost as long as nothing has changed with his health. Like, the only risk would be if he has a health issue or an severe injury or anything that would restrict him being\n\nChannel 1: Yeah.\n\nChannel 0: able\n\nChannel 1: Got\n\nChannel 0: to\n\nChannel 1: you.\n\nChannel 0: get it. But\n\nChannel 1: Yeah. What\n\nChannel 0: when\n\nChannel 1: she\n\nChannel 0: it's\n\nChannel 1: has had anyway.\n\nChannel 0: yeah. So we could if he wanted to when we do look at when the smoke and thread has been removed for him and he knows the new premium,\n\nChannel 1: Yep.\n\nChannel 0: if he wants to revisit it, just tell him to give me a call. I\n\nChannel 1: Okay.\n\nChannel 0: can\n\nChannel 1: Perfect.\n\nChannel 0: run the numbers, and then we can see what he\n\nChannel 1: Yeah.\n\nChannel 0: wants\n\nChannel 1: Okay.\n\nChannel 0: to do.\n\nChannel 1: Yeah. Because\n\nChannel 0: Yeah.\n\nChannel 1: our both reduced rates could have been the price of one. See, like, that's something we didn't know. Yeah.\n\nChannel 0: Yeah. Massive difference. So\n\nChannel 1: Yeah.\n\nChannel 0: I will\n\nChannel 1: No.\n\nChannel 0: keep\n\nChannel 1: I'll\n\nChannel 0: yours.\n\nChannel 1: keep mine for now because that's\n\nChannel 0: Yes.\n\nChannel 1: I think that's reasonably affordable.\n\nChannel 0: Yes. And if anything changed, like, the good thing with the the policy, you can cancel whenever you want to. So if anything does change\n\nChannel 1: Yep.\n\nChannel 0: down the track, you\n\nChannel 1: Yep.\n\nChannel 0: can it doesn't\n\nChannel 1: Yep.\n\nChannel 0: have to you can you can call me or email me whenever you want to and say, hi. I don't want it anymore. But it has reduced significantly, so I think it's good through to leave it for now, see how you go with,\n\nChannel 1: Yeah.\n\nChannel 0: obviously, cash\n\nChannel 1: I'm happy\n\nChannel 0: flow and\n\nChannel 1: with\n\nChannel 0: everything.\n\nChannel 1: that. I think we can leave\n\nChannel 0: Yeah.\n\nChannel 1: it for now. Yeah.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Yeah. Thank you\n\nChannel 0: No. That's so good.\n\nChannel 1: for\n\nChannel 0: So great news\n\nChannel 1: that.\n\nChannel 0: for that. Now I will like I said, I will get the team to forward you that email anyway that outlines the\n\nChannel 1: Yeah.\n\nChannel 0: refund just so you have an inviting from them,\n\nChannel 1: Yep. Yeah. Cool.\n\nChannel 0: which is great. Now with your under review, sorry. I have sent you a document. Now I know you're driving at the moment, so don't have a look at them now.\n\nChannel 1: Yeah.\n\nChannel 0: But when you have a have a moment later, it is to give you a bit of a an overview of your account. So part of the document so when you have a look at it, it will say sign documents. Before you press sign documents, you will see a couple of attachments at the bottom of that email. Now what you will see there is a summary of your insurances like we just touched on. I\n\nChannel 1: Sure.\n\nChannel 0: have included\n\nChannel 1: Yep.\n\nChannel 0: a new run done from Neos as well so that you can see it.\n\nChannel 1: Yep.\n\nChannel 0: It also outlines your superannuation. So you have majority of your super in hub 24. Now\n\nChannel 1: Yep.\n\nChannel 0: you do have about $49,700 in there at the moment. And\n\nChannel 1: Yeah.\n\nChannel 0: then\n\nChannel 1: I've\n\nChannel 0: we\n\nChannel 1: been\n\nChannel 0: do\n\nChannel 1: checking\n\nChannel 0: have\n\nChannel 1: it. I've been waiting for it to hit that 50. And then all\n\nChannel 0: yeah.\n\nChannel 1: of a sudden, the\n\nChannel 0: Very\n\nChannel 1: fuel\n\nChannel 0: soon.\n\nChannel 1: prices came along and, like, stalled it because I was like,\n\nChannel 0: Yeah.\n\nChannel 1: you know, just, like, watching it get up. It would've made it too, but, yeah, that fuel\n\nChannel 0: Yeah.\n\nChannel 1: prices just damaged it a little bit.\n\nChannel 0: It has. And to be fair, the last twelve months have been quite turbulent. So you you guys have seen, obviously you can never time the market. You never know what's going to happen. But\n\nChannel 1: Oh,\n\nChannel 0: the\n\nChannel 1: no.\n\nChannel 0: last\n\nChannel 1: Like,\n\nChannel 0: twelve\n\nChannel 1: it's just\n\nChannel 0: months\n\nChannel 1: it's something that is gonna go up and down. It's it's all of this. He's\n\nChannel 0: exactly.\n\nChannel 1: gotta he's\n\nChannel 0: At least\n\nChannel 1: gotta\n\nChannel 0: the good thing is you if\n\nChannel 1: ride\n\nChannel 0: exactly. The good thing is\n\nChannel 1: the\n\nChannel 0: as well, if you do see it,\n\nChannel 1: wave,\n\nChannel 0: keep an eye on it every now then,\n\nChannel 1: man.\n\nChannel 0: you will see the movement. So you\n\nChannel 1: Yeah.\n\nChannel 0: you would be aware that sometimes it goes up a lot, and you're like, yay. And the next time, it's like, oh. But they they how it is, it's it's obviously\n\nChannel 1: Here\n\nChannel 0: long\n\nChannel 1: we\n\nChannel 0: term\n\nChannel 1: go.\n\nChannel 0: for\n\nChannel 1: Yeah.\n\nChannel 0: you. No. Yeah. That's\n\nChannel 1: No\n\nChannel 0: a\n\nChannel 1: worries.\n\nChannel 0: bit better. Can you hear me\n\nChannel 1: Yeah.\n\nChannel 0: okay?\n\nChannel 1: Yeah. I'm on the actual\n\nChannel 0: Yes.\n\nChannel 1: phone now. I\n\nChannel 0: Oh,\n\nChannel 1: just found\n\nChannel 0: nice.\n\nChannel 1: a place to pull over.\n\nChannel 0: And that is how your portfolio and everything has been designed as well. So\n\nChannel 1: Yes.\n\nChannel 0: we're obviously trying to structure your investments in the way that, you know, some areas are doing really well. Otherwise, there's a bit more kind of up and down through them kind of negate each other. Because, you know, when everything in an area where, like, some years, it's like, oh, wow. That's amazing. And then other years, it's like, oh, it's down quite a bit.\n\nChannel 1: Yep.\n\nChannel 0: So you\n\nChannel 1: Yeah.\n\nChannel 0: obviously\n\nChannel 1: I mean,\n\nChannel 0: want\n\nChannel 1: they're\n\nChannel 0: kind of\n\nChannel 1: they're quite the website's quite hard to read at the best of time. So I really just sorta I have absolutely no idea what what the summaries mean. I just I just look in there every now and again to make sure that my boss is paying in.\n\nChannel 0: Yes. And it is it is quite a sophisticated platform that sometimes it's harder to get get an idea of to start with.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. If you do at any point want me to guide you through the web, like, the the app or anything, let me know because I use Hub 24 myself, so I can see it on my mobile phone from a client point of view as well. Because,\n\nChannel 1: Oh,\n\nChannel 0: obviously,\n\nChannel 1: okay.\n\nChannel 0: otherwise, I see it from the adviser side on my computer, which looks\n\nChannel 1: Yep.\n\nChannel 0: different because I have access to other things.\n\nChannel 1: Yeah.\n\nChannel 0: But if it ever is that you do want it, sometimes it can be confusing because it shows you all the investments, the movements, and everything. And if\n\nChannel 1: I mean,\n\nChannel 0: if\n\nChannel 1: the\n\nChannel 0: you\n\nChannel 1: only\n\nChannel 0: don't\n\nChannel 1: thing\n\nChannel 0: know\n\nChannel 1: I I really just wanna say is where it, like, makes money around where I put in. You know, that's the only\n\nChannel 0: Yes.\n\nChannel 1: thing\n\nChannel 0: Exactly. And the I have sent you a performance report in\n\nChannel 1: oh,\n\nChannel 0: the\n\nChannel 1: perfect.\n\nChannel 0: document,\n\nChannel 1: Yep.\n\nChannel 0: which is usually the best way through or most people find it the most useful. Now\n\nChannel 1: Okay.\n\nChannel 0: it still can be a little bit messy, but it breaks down all your individual investments. And we do a 12 monthly report after fees to show you everything net of fees,\n\nChannel 1: Yep.\n\nChannel 0: and it shows you all your investments. So when you have a look at it, you will see that the return on the investment sums up a lot, sums not so much, and that's kind of with that with that balance. So when you do have\n\nChannel 1: Yeah.\n\nChannel 0: a look at it, you will see that the strongest contributors were your US investments were were really good.\n\nChannel 1: Yep.\n\nChannel 0: Mhmm. And, also, your gold was doing amazing. And\n\nChannel 1: The what?\n\nChannel 0: your\n\nChannel 1: Sorry.\n\nChannel 0: your gold, a bit of that gold in your portfolio, like the defensive physical gold,\n\nChannel 1: Oh, okay. Yeah. Okay.\n\nChannel 0: yeah, that's kind of gone through the roof, which is really good. And also some of the tech investments have\n\nChannel 1: Oh,\n\nChannel 0: done really\n\nChannel 1: you expect\n\nChannel 0: well.\n\nChannel 1: that? Yeah.\n\nChannel 0: Yeah. Yeah. Also, your JPMorgan assets, your quality Australian companies have done really well. The areas where we have seen a little bit more turbulent or fluctuation is that there is actually one investment I do want to look at changing for you if you are happy with that, and that\n\nChannel 1: Okay.\n\nChannel 0: is your Benelon Australian equity.\n\nChannel 1: Okay.\n\nChannel 0: Now that one has recently underperformed a little bit. And if that is ever a situation, then we do wanna look at changing it if we could see it not come back coming back around. So sometimes\n\nChannel 1: Okay.\n\nChannel 0: we have different investments there. It's like like, for example, the India investment at the moment. It is a little bit down at the moment, but it's more so due to market rotation and short term fluctuations. So we do\n\nChannel 1: Yep.\n\nChannel 0: very much still believe in that and see it come back around. We don't wanna change anything if it's down at the moment. You don't wanna obviously sell out when the prices are down unless we foresee it not come back around.\n\nChannel 1: Okay.\n\nChannel 0: So with the Benelon Australian equity, now the purpose of that investment was to kind of actively buy and sell different investment in order to try to outperform the market, which they had done and were performing really well. More recently, they've been a little bit slower in making those decisions, and we've done a lot of research on it. And if we do foresee that it's not going to be the best option for you moving forward, then we wanna change it. But the good\n\nChannel 1: Okay.\n\nChannel 0: thing with HUB 24 is that there are hundreds of different options for us to choose from to\n\nChannel 1: Yep.\n\nChannel 0: make sure that at all points in time, we have you in the best option possible because things are always changing. And that is\n\nChannel 1: Okay.\n\nChannel 0: also why the underreviews are so good, but also during during the year. If there's anything that we foresee, oh, like, market trends, changes are happening. Let's let's look at making those changes, and we will\n\nChannel 1: Yep.\n\nChannel 0: let you know.\n\nChannel 1: Okay.\n\nChannel 0: The choice\n\nChannel 1: If\n\nChannel 0: is still\n\nChannel 1: you think\n\nChannel 0: obviously\n\nChannel 1: it's best to change it, then that's\n\nChannel 0: yeah.\n\nChannel 1: fine.\n\nChannel 0: Yeah. Because we've had a bit of a look at it, and the one we're looking at changing it for, it's called beta shares a 200. So if we are swapping an Australian investment, we do wanna swap it for kind of a like for like investment in a way because we don't wanna put too much in, like, The US market or the global. We wanna make sure we keep it diversified. If we\n\nChannel 1: Okay.\n\nChannel 0: remove\n\nChannel 1: So it's\n\nChannel 0: a bit\n\nChannel 1: your\n\nChannel 0: of\n\nChannel 1: diversified.\n\nChannel 0: Australian\n\nChannel 1: Yeah. Yep.\n\nChannel 0: yeah. So we wanna keep that. Now the beta says a 200, it is a little bit cheaper because you don't have that same kind of active buying and selling. So how it is\n\nChannel 1: Okay.\n\nChannel 0: is slightly different either is mainly tracking the 200 largest companies listed in Australia. So very\n\nChannel 1: Okay.\n\nChannel 0: diversified.\n\nChannel 1: And that's\n\nChannel 0: All your\n\nChannel 1: performing\n\nChannel 0: big\n\nChannel 1: better\n\nChannel 0: companies\n\nChannel 1: at the moment than the other one.\n\nChannel 0: yes. Exactly.\n\nChannel 1: Okay.\n\nChannel 0: It is performing better, and it is a little bit cheaper for you as well, which is great.\n\nChannel 1: Okay.\n\nChannel 0: So\n\nChannel 1: That's fine. Let's go\n\nChannel 0: moving\n\nChannel 1: with that then.\n\nChannel 0: forward, yeah, moving forward, it should say, hopefully again, you never know what's happening with the war and how things are happening, but it should smooth things out a little bit with removing that Benelon investment. So\n\nChannel 1: Okay.\n\nChannel 0: if you are happy with that, what I will do is I will send you something that's called a record of advice. Now you don't need to sign it. It is just for your reference to let you know that we have made that\n\nChannel 1: Yep.\n\nChannel 0: one investment\n\nChannel 1: Yeah. No\n\nChannel 0: change.\n\nChannel 1: problem. Just paper trail. Yep.\n\nChannel 0: Exactly. So if you, yeah, if you're happy with that, I will action\n\nChannel 1: Yeah,\n\nChannel 0: that\n\nChannel 1: please.\n\nChannel 0: document for\n\nChannel 1: Yeah.\n\nChannel 0: you.\n\nChannel 1: Go\n\nChannel 0: Amazing.\n\nChannel 1: on. Might\n\nChannel 0: And\n\nChannel 1: as\n\nChannel 0: then\n\nChannel 1: well stick\n\nChannel 0: send\n\nChannel 1: with\n\nChannel 0: it,\n\nChannel 1: performing ones.\n\nChannel 0: yeah, and send it through to you. And, yeah, that's, like, the really good thing with with Hub twenty four and also us as well that we do kind of take more of that proactive approach, and we don't wanna just leave it and then five is down to track if we're like, oh, this one hasn't done to what we wanna change it sooner rather than later if we foresee that. So\n\nChannel 1: Yep.\n\nChannel 0: we'll we'll go ahead and do that for you. Now other\n\nChannel 1: Sure.\n\nChannel 0: documents you will see is you will see an updated version of their financial services guide. Now that was that kind of compliance document, same as what we went through last year. It's just a bit of an updated version. Now we've had some extension to the team, which is great. So when you have a look at it, you will\n\nChannel 1: Oh,\n\nChannel 0: see\n\nChannel 1: cool.\n\nChannel 0: all the photos of their\n\nChannel 1: You\n\nChannel 0: directors,\n\nChannel 1: mean this?\n\nChannel 0: all their advices.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Four of us. It's a bit of updated marketing photos. I'm still in there, a new updated photo. So it's all in there for you.\n\nChannel 1: No problem.\n\nChannel 0: Otherwise, it will then ask you to sign through documents if you're happy to do so. Now that will be a ongoing service agreement, and that is just to say that you're happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure. It stays exactly the same at that discounted 1.1% because, obviously, you are both a client that stays the\n\nChannel 1: Okay.\n\nChannel 0: same. No changes\n\nChannel 1: Oh, that's\n\nChannel 0: whatsoever.\n\nChannel 1: good.\n\nChannel 0: Yeah.\n\nChannel 1: That's good. It's always good when things don't change in the climate that it is.\n\nChannel 0: Exactly. No. We don't wanna do that. That stays the same. And as per last time, it is not a lock in contract.\n\nSo if at any point in time, you are not happy, not a lock in contract, no extra\n\nChannel 1: Yep.\n\nChannel 0: fees or anything like that. But this just lets us, you know, keep servicing and managing your account and everything in the meantime there for you.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: And the other one it will ask you to sign, it is just a tax file number form,\n\nChannel 1: Yep.\n\nChannel 0: and that is just a compliance form to say we are keeping your tax file number secure and safe on file.\n\nChannel 1: Okay.\n\nChannel 0: So when\n\nChannel 1: All\n\nChannel 0: you have\n\nChannel 1: good.\n\nChannel 0: a moment, have a look through the document. Any questions, let me know. If not, if it all makes sense, I will just need you to sign those documents.\n\nChannel 1: Yes. No\n\nChannel 0: It\n\nChannel 1: worries.\n\nChannel 0: is electronic to make it nice and easy.\n\nChannel 1: Yeah.\n\nChannel 0: And once\n\nChannel 1: I'll be\n\nChannel 0: you\n\nChannel 1: fine.\n\nChannel 0: finish,\n\nChannel 1: Yep.\n\nChannel 0: yeah, once you finish signing, it will automatically send it back to me. I will\n\nChannel 1: Yep.\n\nChannel 0: let the team know it will get that all sorted. We will keep the trauma for now, but if anything\n\nChannel 1: Yes.\n\nChannel 0: changed, just email or call me.\n\nChannel 1: Yep.\n\nChannel 0: And I will also send you that document just to switch that investment.\n\nChannel 1: Yep.\n\nChannel 0: The other thing I do wanna just confirm with you is with your investment, you do have you invested in a growth portfolio. Now I know last time, we went through kind of an extensive risk profile questionnaire to see how you feel about fluctuations and everything.\n\nChannel 1: Yep.\n\nChannel 0: Has any of that changed or are you still kind of comfortable with the same, risk\n\nChannel 1: Yeah.\n\nChannel 0: profile,\n\nChannel 1: No. I\n\nChannel 0: your\n\nChannel 1: want it\n\nChannel 0: growth?\n\nChannel 1: to grow\n\nChannel 0: Yes.\n\nChannel 1: as as much as possible.\n\nChannel 0: Yes. Amazing. And you still have plenty of time until retirement. So you're definitely in a good position. You do have time for those short term fluctuations in order to grow at long term.\n\nSo\n\nChannel 1: Yep.\n\nChannel 0: we will leave all of that. Now the last thing I do need to quickly run through with you, Heather, is just a bit of an updated Slack line just to see if there's anything major\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: That's\n\nChannel 0: has changed.\n\nChannel 1: yeah. The dude that rang me last time to make this appointment, he asked\n\nChannel 0: Yeah.\n\nChannel 1: heaps of quick different questions about employment and\n\nChannel 0: Yes. Sorry. I have all of that.\n\nChannel 1: yeah.\n\nChannel 0: And I know that, obviously, fuel prices and everything lacks that. Is there a bit of, like, uncertainty for you around work at the moment, or\n\nChannel 1: No.\n\nChannel 0: is\n\nChannel 1: We're pretty\n\nChannel 0: still\n\nChannel 1: good.\n\nChannel 0: kind\n\nChannel 1: You know, like, you know, we don't have\n\nChannel 0: of\n\nChannel 1: any children and things like that. You know, like, it's just our investment\n\nChannel 0: yeah?\n\nChannel 1: property, obviously, that\n\nChannel 0: Yeah.\n\nChannel 1: just pulling in pulling\n\nChannel 0: Yeah.\n\nChannel 1: a bit of money at this minute. But but, like, it's it's coming up to tax time, you\n\nChannel 0: Yeah.\n\nChannel 1: know, so we should get quite a good tax break with that.\n\nChannel 0: Yes.\n\nChannel 1: So that\n\nChannel 0: Yeah.\n\nChannel 1: should\n\nChannel 0: Bit\n\nChannel 1: really\n\nChannel 0: of deduction.\n\nChannel 1: alleviate us\n\nChannel 0: Yeah.\n\nChannel 1: with that one. But yeah. But he the guy said that it wasn't even listed there as as a thing.\n\nChannel 0: It it was on Hayden's, so he\n\nChannel 1: Oh,\n\nChannel 0: may\n\nChannel 1: got\n\nChannel 0: not have\n\nChannel 1: you.\n\nChannel 0: seen it on your account.\n\nChannel 1: Got\n\nChannel 0: Now\n\nChannel 1: you.\n\nChannel 0: I know that you guys have things together. Sorry.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: I\n\nChannel 1: Because\n\nChannel 0: it's all\n\nChannel 1: because\n\nChannel 0: added.\n\nChannel 1: he asked for all the new prices\n\nChannel 0: Yeah.\n\nChannel 1: on, like, the current property and stuff because he's\n\nChannel 0: Yeah.\n\nChannel 1: like, oh, your house is valued at 900. I'm like, no. I'm pretty sure\n\nChannel 0: No.\n\nChannel 1: it's 1.2.\n\nChannel 0: Yes.\n\nChannel 1: And\n\nChannel 0: Yes.\n\nChannel 1: I was\n\nChannel 0: No.\n\nChannel 1: just\n\nChannel 0: I have\n\nChannel 1: basing\n\nChannel 0: all\n\nChannel 1: it\n\nChannel 0: of\n\nChannel 1: off whatever\n\nChannel 0: that.\n\nChannel 1: I saw on the Internet. Like, I don't it's not, like, properly evaluated.\n\nChannel 0: And no. And that's fine. And I think that's\n\nChannel 1: Yeah.\n\nChannel 0: what he did as well. So I have all of those updated information,\n\nChannel 1: Oh, perfect.\n\nChannel 0: and it's often as well for for privacy sometimes as well. You can't disclose partners and stuff, but you guys do have that, so we can.\n\nChannel 1: Oh,\n\nChannel 0: And,\n\nChannel 1: okay.\n\nChannel 0: obviously,\n\nChannel 1: So it just carries\n\nChannel 0: I know\n\nChannel 1: across.\n\nChannel 0: you guys. Yeah. Exactly. So let me see if there was anything here. The only thing I can see that we didn't ask you was, do you have private health insurance?\n\nChannel 1: No. I don't.\n\nChannel 0: No. Alright.\n\nChannel 1: So if we do get that, is that something I need\n\nChannel 0: Yes.\n\nChannel 1: to ring you and let you know? Yes. So because Hayden's just changed jobs again.\n\nChannel 0: Mhmm.\n\nChannel 1: So\n\nChannel 0: Yes.\n\nChannel 1: we're looking at looking at it for July\n\nChannel 0: Yep.\n\nChannel 1: to depending on how much we're gonna earn this year. I'll go\n\nChannel 0: Yep.\n\nChannel 1: what went to 2,027.\n\nChannel 0: Yes.\n\nChannel 1: So\n\nChannel 0: Not\n\nChannel 1: if\n\nChannel 0: necessarily. It doesn't change. It it would just change if you are liable to pay the medical levy surcharge\n\nChannel 1: yeah. Well,\n\nChannel 0: if\n\nChannel 1: that's\n\nChannel 0: we\n\nChannel 1: why\n\nChannel 0: were doing\n\nChannel 1: we were looking at getting it. Yeah.\n\nChannel 0: exactly. So if you were looking at doing different if we were looking at doing more, you know, contribution strategies or something like that, it is really good to know because it does change the tax outcome.\n\nChannel 1: Oh, okay.\n\nChannel 0: Yeah. Because one good portal actually for you, if you do are interested, is is something that's called paycalculator. Just paycalculator.com.au.\n\nChannel 1: Oh, yeah. I think\n\nChannel 0: And\n\nChannel 1: I've missed it. Yeah. So\n\nChannel 0: yeah.\n\nChannel 1: because\n\nChannel 0: And\n\nChannel 1: Hayden\n\nChannel 0: and\n\nChannel 1: hasn't\n\nChannel 0: this\n\nChannel 1: got his first pay yet, we don't know what his annual pay will be for '20\n\nChannel 0: exactly.\n\nChannel 1: '7 to '28. And because\n\nChannel 0: Yeah.\n\nChannel 1: I have got a new job also since I spoke to you, I get paid less.\n\nChannel 0: Yes.\n\nChannel 1: So\n\nChannel 0: Yes.\n\nChannel 1: but if I change jobs\n\nChannel 0: Yes.\n\nChannel 1: together we may earn over the is it 201, 202?\n\nChannel 0: It\n\nChannel 1: I\n\nChannel 0: keeps\n\nChannel 1: think it's\n\nChannel 0: the\n\nChannel 1: up to now.\n\nChannel 0: individual let me triple check. The individual is one zero one, because sometimes it's based on that. But let me just triple check because\n\nChannel 1: Yeah.\n\nChannel 0: it changes\n\nChannel 1: I\n\nChannel 0: every\n\nChannel 1: think last tax year, it\n\nChannel 0: every\n\nChannel 1: was\n\nChannel 0: financial\n\nChannel 1: a 190\n\nChannel 0: year.\n\nChannel 1: four.\n\nChannel 0: Yeah. Exactly. So it's now up through a 101 for\n\nChannel 1: Yeah. I\n\nChannel 0: individuals\n\nChannel 1: will\n\nChannel 0: and families and couples over two zero two.\n\nChannel 1: two zero two. Yeah. Okay.\n\nChannel 0: Two\n\nChannel 1: Yeah.\n\nChannel 0: zero\n\nChannel 1: So we\n\nChannel 0: two.\n\nChannel 1: need to work\n\nChannel 0: Yes.\n\nChannel 1: out whether we're gonna earn more than $2.00 2 for the next\n\nChannel 0: Yes.\n\nChannel 1: financial year\n\nChannel 0: Yes.\n\nChannel 1: because we will more than likely probably jump onto some health insurance to avoid the Medicare levy.\n\nChannel 0: And that is to the side where most people use it. Some people are like, oh, I don't see the point in having it. And I was like, that's\n\nChannel 1: Oh,\n\nChannel 0: fine.\n\nChannel 1: no.\n\nChannel 0: Just\n\nChannel 1: So\n\nChannel 0: check\n\nChannel 1: we've\n\nChannel 0: it\n\nChannel 1: never\n\nChannel 0: from\n\nChannel 1: had\n\nChannel 0: the\n\nChannel 1: it because we've never earned over a 194, but\n\nChannel 0: tax. Yes.\n\nChannel 1: his his new job pays quite well, so\n\nChannel 0: Yes.\n\nChannel 1: it might push us over.\n\nChannel 0: Which is great. Now on so you can check it as well how much. You can always call me if you're unsure, and I can calculate it for you. But even on the ATO website, they actually have a little table, and it shows you the different rates. So if your combined income is between $2.00 2 and 236, the levy the levy start charge is 1%.\n\nAnd then it goes up to 1.5 if it's combined $3.16. So it is definitely worth considering if you guys go above $2.00 2\n\nChannel 1: Yep.\n\nChannel 0: just to see, yeah, okay, how much is the the private health, but how much are we saving on tax as well? And sometimes sometimes\n\nChannel 1: Yeah.\n\nChannel 0: depending on the the income, it's actually cheaper. Sometimes it's a little bit more, but then you do\n\nChannel 1: Yep.\n\nChannel 0: have private health instead, and you don't pay additional tax. So\n\nChannel 1: Yeah. So that's\n\nChannel 0: definitely.\n\nChannel 1: yeah. That's the plan. So we're we're definitely gonna\n\nChannel 0: Exactly.\n\nChannel 1: look into that by July.\n\nChannel 0: Yep. Amazing. Definitely have a look at it, yeah, especially with the little pay increase in in the family. And, yeah, if you have any issues or questions, you can always just let me know, and I can always run the numbers for you. That is no problem.\n\nBut that was basically everything that I kind of needed to run through on my end for you there,\n\nChannel 1: Sure.\n\nChannel 0: Heather.\n\nChannel 1: Okay. Yeah. All good.\n\nChannel 0: Do you have any other questions for me or anything else at this point\n\nChannel 1: No.\n\nChannel 0: otherwise?\n\nChannel 1: I don't think so.\n\nChannel 0: No?\n\nChannel 1: No.\n\nChannel 0: Okay.\n\nChannel 1: No.\n\nChannel 0: Amazing.\n\nChannel 1: Yeah. Like I like I said, like, I saw the trauma, you know, the premium jump. And, yeah, like, my my investment property is costing me an extra,\n\nChannel 0: Yes.\n\nChannel 1: like, 200\n\nChannel 0: Yes.\n\nChannel 1: dollars a month, not including\n\nChannel 0: Yeah.\n\nChannel 1: the interest rate that just came through last week.\n\nChannel 0: And the kid's going\n\nChannel 1: So\n\nChannel 0: up.\n\nChannel 1: yeah. So we just needed to\n\nChannel 0: Yeah.\n\nChannel 1: cut back in in an\n\nChannel 0: Yeah.\n\nChannel 1: area. So we're like, okay.\n\nChannel 0: Yeah.\n\nChannel 1: We'll just cut back on trauma for now\n\nChannel 0: Yes.\n\nChannel 1: and revisit it later on. But, like,\n\nChannel 0: Yes.\n\nChannel 1: yeah, obviously, the most smoking\n\nChannel 0: Makes\n\nChannel 1: thing\n\nChannel 0: it\n\nChannel 1: helped\n\nChannel 0: cheaper.\n\nChannel 1: me quite a lot. So\n\nChannel 0: Yeah.\n\nChannel 1: I'm like, oh, okay. Well\n\nChannel 0: Massive. So I I will get who was the guy you spoke to when we booked you in, I'll get him to forward you that email for Neos with the rebate so you have it for you. So\n\nChannel 1: yeah.\n\nChannel 0: you can\n\nChannel 1: Sure.\n\nChannel 0: actually see see all of that. Now in the\n\nChannel 1: Yep.\n\nChannel 0: documents I did send you, you will have the new premium. If you forget, it's all in there. You can always call me if you're unsure. We'll\n\nChannel 1: Yeah.\n\nChannel 0: leave it\n\nChannel 1: It's\n\nChannel 0: for\n\nChannel 1: just\n\nChannel 0: now\n\nChannel 1: it's just\n\nChannel 0: if\n\nChannel 1: a\n\nChannel 0: anything.\n\nChannel 1: shame that the guy on the phone didn't say to Hayden, if you are smoke free for a year, this premium will have, and\n\nChannel 0: Yeah.\n\nChannel 1: then he could have second guessed it.\n\nChannel 0: Yes. Yes. And we'll we'll have a look. So when his premium does go down, I'll tell him to let me know as well if he wants to revisit it because then I can\n\nChannel 1: Yeah.\n\nChannel 0: kind of run through that with him and see, okay. What's what how much is it? Now sometimes it is more\n\nChannel 1: Well, he's\n\nChannel 0: expensive.\n\nChannel 1: already canceled it. So\n\nChannel 0: Exactly. It would just be if he wants to really look at it.\n\nChannel 1: oh, okay. Yeah. He could just yeah. You guys can do the\n\nChannel 0: He\n\nChannel 1: numbers.\n\nChannel 0: can just call me, and I can run it, and then that gives him at least what's the premium. And then he can see whether it's worth it or\n\nChannel 1: Yeah.\n\nChannel 0: not,\n\nChannel 1: Yeah.\n\nChannel 0: what\n\nChannel 1: For\n\nChannel 0: he would\n\nChannel 1: sure.\n\nChannel 0: like\n\nChannel 1: I'll\n\nChannel 0: to do.\n\nChannel 1: check him\n\nChannel 0: Yeah.\n\nChannel 1: at home. I'll see how many I think he's only got a couple of months left to go on things\n\nChannel 0: Yeah. I do have a reminder here\n\nChannel 1: like\n\nChannel 0: for the team to to get in touch with him. I think when I spoke\n\nChannel 1: free.\n\nChannel 0: to him, he told me the the month. So we'll reach out\n\nChannel 1: So\n\nChannel 0: to him when it's gone that twelve months, and then we'll help him do it.\n\nChannel 1: yeah.\n\nChannel 0: Because sometimes it's easier than trying to go directly to the insurance, especially if they are a little bit tricky. So if there's ever anything you need for the insurance or super, just call me. It's easier\n\nChannel 1: Yeah.\n\nChannel 0: for\n\nChannel 1: Yeah.\n\nChannel 0: you.\n\nChannel 1: Well, that's why I sent the email requesting\n\nChannel 0: Yes.\n\nChannel 1: the appointment.\n\nChannel 0: Yes. Amazing. Well, I will let you go and enjoy the rest of your afternoon. I will get the team to forward you the refund. I will also keep a lookout for for that record of advice just to show the change.\n\nChannel 1: Yeah. Sure.\n\nChannel 0: But if anything does change otherwise to your end or together or anything, just let me know, and we can always do a catch up whenever you guys want to. Yeah.\n\nChannel 1: Yeah. No dramas. I might speak to you in a couple of months about the private health insurance.\n\nChannel 0: Yes.\n\nChannel 1: We've just\n\nChannel 0: Yeah.\n\nChannel 1: got like I said, I've just got to see because there's no point I like, I know what his hourly rate is, but he it looks like he's going to be doing considerably amount of overtime. So I need to know\n\nChannel 0: So then\n\nChannel 1: what\n\nChannel 0: yes.\n\nChannel 1: what his weekly rate is gonna be and then times that by twelve.\n\nChannel 0: Exactly. Yeah. Once you have a bit more certainty on that jointly, and you can be on the phone together as well if you want to\n\nChannel 1: Oh,\n\nChannel 0: do that.\n\nChannel 1: perfect.\n\nChannel 0: We could,\n\nChannel 1: Yeah.\n\nChannel 0: yeah, we could do that.\n\nChannel 1: No worries.\n\nChannel 0: As\n\nChannel 1: I'll\n\nChannel 0: long\n\nChannel 1: reach\n\nChannel 0: as\n\nChannel 1: out\n\nChannel 0: that's\n\nChannel 1: for an appointment.\n\nChannel 0: Yeah. Beautiful. You have my email. Otherwise, just give the office a call, and they'll book you in with me.\n\nChannel 1: Okay. Perfect. No worries. Thanks for holding.\n\nChannel 0: No problem at all. I hope you enjoy the rest of your afternoon or days more\n\nChannel 1: I still\n\nChannel 0: so\n\nChannel 1: oh, I'm\n\nChannel 0: morning\n\nChannel 1: just coming.\n\nChannel 0: still.\n\nChannel 1: I've just I've just arrived in Byron Bay. So\n\nChannel 0: Oh, that's\n\nChannel 1: I'm\n\nChannel 0: beautiful.\n\nChannel 1: down here for one delivery, and then I'm driving back to Brisbane.\n\nChannel 0: Oh,\n\nChannel 1: It's\n\nChannel 0: hopefully,\n\nChannel 1: a very\n\nChannel 0: traffic\n\nChannel 1: easy day.\n\nChannel 0: traffic shouldn't be too bad by this time,\n\nChannel 1: It's\n\nChannel 0: hopefully.\n\nChannel 1: not too bad. It's just raining in New South Wales as usual.\n\nChannel 0: Yeah. No. It was raining here as well, but it's sunny now on in Southport.\n\nChannel 1: Oh,\n\nChannel 0: So\n\nChannel 1: maybe it's on\n\nChannel 0: hopefully\n\nChannel 1: its way down or it's way up\n\nChannel 0: yeah.\n\nChannel 1: or something. Yeah.\n\nChannel 0: Yeah. Hopefully. Well, have a safe drive, and I look forward\n\nChannel 1: I\n\nChannel 0: to\n\nChannel 1: shall.\n\nChannel 0: speaking with you soon again.\n\nChannel 1: No worries. Thanks, Veronica. I appreciate that.\n\nChannel 0: No worries. Speak to you soon.\n\nChannel 1: Okay. Thank you. See you. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":0.96,"end":1.5999999,"sentiment":"positive","sentiment_score":0.3334724009037018},{"text":"Heather speaking.","start":1.5999999,"end":2.34,"sentiment":"neutral","sentiment_score":0.1796528398990631}],"sentiment":"neutral","sentiment_score":0.25656262040138245,"channel":1,"num_words":4,"start":0.96,"end":2.34},{"sentences":[{"text":"Good morning, Heather.","start":2.96,"end":3.76,"sentiment":"positive","sentiment_score":0.44669490059216815},{"text":"This is Veronica from OQ Financial.","start":3.76,"end":5.54,"sentiment":"positive","sentiment_score":0.3514178941647212},{"text":"How are you?","start":5.68,"end":6.5,"sentiment":"neutral","sentiment_score":0.2761222223440806}],"sentiment":"positive","sentiment_score":0.35641322781642276,"channel":0,"num_words":12,"start":2.96,"end":6.5},{"sentences":[{"text":"Hey.","start":6.8799996,"end":7.2,"sentiment":"neutral","sentiment_score":0.32565420866012573},{"text":"I'm all good.","start":7.2,"end":8.16,"sentiment":"positive","sentiment_score":0.4709159235159556},{"text":"I'm just trying to turn this volume 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yet.","start":28.7,"end":31.2,"sentiment":"neutral","sentiment_score":-0.08445794335924663},{"text":"That's alright.","start":31.26,"end":31.82,"sentiment":"neutral","sentiment_score":-0.004190132254734635}],"sentiment":"neutral","sentiment_score":-0.07375556854531169,"channel":1,"num_words":15,"start":28.7,"end":31.82},{"sentences":[{"text":"No.","start":31.74,"end":32.059998,"sentiment":"neutral","sentiment_score":-0.05854102224111557}],"sentiment":"neutral","sentiment_score":-0.05854102224111557,"channel":0,"num_words":1,"start":31.74,"end":32.059998},{"sentences":[{"text":"We'll 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Southport.","start":2017.235,"end":2021.655,"sentiment":"neutral","sentiment_score":0.15804914614328971}],"sentiment":"neutral","sentiment_score":0.14784801304340361,"channel":0,"num_words":15,"start":2016.835,"end":2021.655},{"sentences":[{"text":"Oh,","start":2021.26,"end":2021.76,"sentiment":"neutral","sentiment_score":0.0581064373254776}],"sentiment":"neutral","sentiment_score":0.0581064373254776,"channel":1,"num_words":1,"start":2021.26,"end":2021.76},{"sentences":[{"text":"So","start":2021.875,"end":2022.375,"sentiment":"neutral","sentiment_score":0.05378590524196625}],"sentiment":"neutral","sentiment_score":0.05378590524196625,"channel":0,"num_words":1,"start":2021.875,"end":2022.375},{"sentences":[{"text":"maybe it's 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something.","start":2023.58,"end":2024.06,"sentiment":"neutral","sentiment_score":0.029523136094212532},{"text":"Yeah.","start":2024.06,"end":2024.505,"sentiment":"neutral","sentiment_score":0.09591664373874664}],"sentiment":"neutral","sentiment_score":0.051654305309057236,"channel":1,"num_words":3,"start":2023.58,"end":2024.505},{"sentences":[{"text":"Yeah.","start":2024.4349,"end":2024.835,"sentiment":"neutral","sentiment_score":0.12230655550956726},{"text":"Hopefully.","start":2024.835,"end":2025.335,"sentiment":"neutral","sentiment_score":0.20740900933742523},{"text":"Well, have a safe drive, and I look 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soon.","start":2031.009,"end":2031.9089,"sentiment":"positive","sentiment_score":0.35066112875938416}],"sentiment":"positive","sentiment_score":0.34986642003059387,"channel":0,"num_words":6,"start":2030.289,"end":2031.9089},{"sentences":[{"text":"Okay.","start":2031.465,"end":2031.785,"sentiment":"positive","sentiment_score":0.37064048647880554},{"text":"Thank you.","start":2031.785,"end":2032.345,"sentiment":"positive","sentiment_score":0.6897783875465393},{"text":"See you.","start":2032.345,"end":2032.585,"sentiment":"positive","sentiment_score":0.504591703414917},{"text":"Bye.","start":2032.585,"end":2033.085,"sentiment":"neutral","sentiment_score":0.304497629404068}],"sentiment":"positive","sentiment_score":0.510646382967631,"channel":1,"num_words":6,"start":2031.465,"end":2033.085},{"sentences":[{"text":"Bye.","start":2032.769,"end":2033.269,"sentiment":"neutral","sentiment_score":-0.11255265027284622}],"sentiment":"neutral","sentiment_score":-0.11255265027284622,"channel":0,"num_words":1,"start":2032.769,"end":2033.269}]},"summary":{"result":"success","short":"Representatives from OQ Financial and Insurance Company discuss the customer's annual review and insurance premium changes. They explain that premiums have been reduced due to the removal of a smoker rate and offer to help make it easier to pay. The representatives also explain the benefits of a beta program and provide updated financial services guides. They also discuss the cost of premiums and the possibility of swapping an Australian investment for a global one. The conversation ends with the representative reminding the customer to call if there are any changes and the customer thanking the representative."},"intents":{"segments":[{"text":"I'm just trying to turn this volume up.","start_word":20,"end_word":27,"intents":[{"intent":"Turn volume up","confidence_score":0.17311916}]},{"text":"It's just a bit quiet. Okay.","start_word":45,"end_word":50,"intents":[{"intent":"Get car quiet","confidence_score":0.0012570871}]},{"text":"I had you booked in this morning for your annual review. Is now still a good time for you? Yeah.","start_word":143,"end_word":162,"intents":[{"intent":"Make appointment","confidence_score":0.02698812}]},{"text":"Well, before I do go into the review, I'll just pass you through security, and then we can address what you wanted to talk about first. Yep. Yeah.","start_word":197,"end_word":224,"intents":[{"intent":"Address security concerns","confidence_score":0.0045092376}]},{"text":"Now just for security purposes, could I just get you to confirm your full name, date of birth, and address, please?","start_word":258,"end_word":278,"intents":[{"intent":"Confirm name","confidence_score":0.09323951}]},{"text":"So it's Heather Amanda Thompson. What was the second one? Date of birth and Oh, address. 05/1957.","start_word":279,"end_word":295,"intents":[{"intent":"Confirm address","confidence_score":0.045853123}]},{"text":"I just wanna cancel the trauma insurance. Yes.","start_word":357,"end_word":364,"intents":[{"intent":"Cancel trauma insurance","confidence_score":0.6876712}]},{"text":"got your It's it's it's Nios, just something I pay with my own money. yes.","start_word":408,"end_word":422,"intents":[{"intent":"Explain insurance policy","confidence_score":0.003999833}]},{"text":"So So, did he cancel? yes, so Okay.","start_word":545,"end_word":552,"intents":[{"intent":"Confirm cancellation","confidence_score":0.47677034},{"intent":"Confirm cancellation","confidence_score":0.18624243}]},{"text":"what that would look like for you, just so you know, it would be that we would retain your life and TPD, which you have paid inside. But you will still have that, and that is 262,500. So that will Yep.","start_word":553,"end_word":593,"intents":[{"intent":"Retain life insurance","confidence_score":0.13017163}]},{"text":"that has oh, that yeah. I never That got has confirmation happened. about that. No one emailed me back. Nothing. Because I can see that Nios sent us a copy. It should they should have sent you a copy as well, but A copy of a confirmation to say it's been actioned. Oh, no.","start_word":626,"end_word":679,"intents":[{"intent":"Confirm confirmation of confirmation","confidence_score":0.00008506804}]},{"text":"I Can will I help get you?","start_word":1035,"end_word":1041,"intents":[{"intent":"Request assistance","confidence_score":0.03693064}]},{"text":"the team to forward you the copy of the email we got from yours anyway so that you have that copy. Yep.","start_word":1043,"end_word":1064,"intents":[{"intent":"Forward copy","confidence_score":0.49248698}]},{"text":"So I don't even know what the difference was.","start_word":1097,"end_word":1105,"intents":[{"intent":"Clarify difference","confidence_score":0.06612025}]},{"text":"I Because will that I was will run the that incentive through with you.","start_word":1140,"end_word":1153,"intents":[{"intent":"Run incentive","confidence_score":0.73683685}]},{"text":"So I've actually notate and give up smoking. It took them a lot longer that he's he'll be on his way to being smoke free too, which is what Yes.","start_word":1200,"end_word":1229,"intents":[{"intent":"Notate","confidence_score":0.370144}]},{"text":"I'll just recap for you what it was.","start_word":1304,"end_word":1311,"intents":[{"intent":"Recap","confidence_score":0.03459913}]},{"text":"you have got a refund from Neos because they pro rata it because you weren't a smokers the whole the whole duration. Yep.","start_word":1339,"end_word":1361,"intents":[{"intent":"Refund","confidence_score":0.18735424}]},{"text":"So reduce them by basically half for you, which is fantastic.","start_word":1388,"end_word":1398,"intents":[{"intent":"Reduce costs","confidence_score":0.06398016}]},{"text":"So what was Let my original premium that I was paying having spoken me on there?","start_word":1400,"end_word":1415,"intents":[{"intent":"Add premium","confidence_score":0.54469913}]},{"text":"Now for your trauma, sorry, the the one you have out of pocket, which is the Yep. trauma, that's 52,500 as how much you were covered for, and then we do have a secondary life of the same amount simply just to reduce the cost for you. So we Yep.","start_word":1676,"end_word":1725,"intents":[{"intent":"Clarify cost","confidence_score":0.0024280725}]},{"text":"can go ahead and cancel both of those for you as long as, obviously, you understand that if you were to suffer those traumatic events, you won't have the cover in place.","start_word":1727,"end_word":1758,"intents":[{"intent":"Cancel deal","confidence_score":0.0022864651}]},{"text":"Now for your reference as well, that has become cheaper for you out of pocket anyway, but we can still go ahead and cancel it. But I would just wanna let Yeah. you know how much you changed. So it is now $25.52 a month, and it was $34.18 a month.","start_word":1812,"end_word":1862,"intents":[{"intent":"Change price","confidence_score":0.00074098154}]},{"text":"So It's now when the the premium has been reduced for the out of pocket, you will see that the the new premium so moving forward, if you decide to keep it, it's $25.52 a month.","start_word":1891,"end_word":1926,"intents":[{"intent":"Explain change in premium","confidence_score":0.0018344499}]},{"text":"So we could look at how much a new policy would cost as long as nothing has changed with his health. Like, the only risk would be if he has a health issue or an severe injury or anything that would restrict him being Yeah.","start_word":2274,"end_word":2318,"intents":[{"intent":"Expedite policy change","confidence_score":0.0010482508}]},{"text":"keep I'll yours. keep mine for now because that's Yes.","start_word":2428,"end_word":2437,"intents":[{"intent":"Keep mine","confidence_score":0.040549077}]},{"text":"And if anything changed, like, the good thing with the the policy, you can cancel whenever you want to.","start_word":2443,"end_word":2461,"intents":[{"intent":"Cancel policy change","confidence_score":0.11701319},{"intent":"Leave policy","confidence_score":0.4281924}]},{"text":"Now I will like I said, I will get the team to forward you that email anyway that outlines the Yeah. refund just so you have an inviting from them, Yep. Yeah.","start_word":2557,"end_word":2588,"intents":[{"intent":"Forward email","confidence_score":0.79517597}]},{"text":"But when you have a have a moment later, it is to give you a bit of a an overview of your account.","start_word":2622,"end_word":2644,"intents":[{"intent":"Give overview of account","confidence_score":0.0328782}]},{"text":"It also outlines your superannuation. So you have majority of your super in hub 24. Now Yep.","start_word":2718,"end_word":2734,"intents":[{"intent":"Check superannuation status","confidence_score":0.11459636}]},{"text":"we're obviously trying to structure your investments in the way that, you know, some areas are doing really well. Otherwise, there's a bit more kind of up and down through them kind of negate each other.","start_word":3001,"end_word":3036,"intents":[{"intent":"Discuss portfolio structure","confidence_score":0.0010558668}]},{"text":"If you do at any point want me to guide you through the web, like, the the app or anything, let me know because I use Hub 24 myself, so I can see it on my mobile phone from a client point of view as well.","start_word":3151,"end_word":3196,"intents":[{"intent":"Seek guidance and guidance","confidence_score":0.0001711587},{"intent":"Suggest app usage","confidence_score":0.0002957445}]},{"text":"But if it ever is that you do want it, sometimes it can be confusing because it shows you all the investments, the movements, and everything. And if I mean, if the you only don't thing know I I really just wanna say is where it, like, makes money around where I put in. You know, that's the only Yes. thing Exactly.","start_word":3224,"end_word":3285,"intents":[{"intent":"Provide information","confidence_score":0.0037185738}]},{"text":"And the I have sent you a performance report in oh, the perfect. document, Yep. which is usually the best way through or most people find it the most useful. Now Okay.","start_word":3286,"end_word":3317,"intents":[{"intent":"Confirm investment performance","confidence_score":0.001842743},{"intent":"Discuss portfolio performance","confidence_score":0.012116228}]},{"text":"your gold, a bit of that gold in your portfolio, like the defensive physical gold, Oh, okay. Yeah.","start_word":3431,"end_word":3448,"intents":[{"intent":"Highlight gold contribution","confidence_score":0.008343392},{"intent":"Mention gold investments","confidence_score":0.060716867}]},{"text":"The areas where we have seen a little bit more turbulent or fluctuation is that there is actually one investment I do want to look at changing for you if you are happy with that, and that Okay.","start_word":3493,"end_word":3530,"intents":[{"intent":"Change investment","confidence_score":0.6957595}]},{"text":"So with the Benelon Australian equity, now the purpose of that investment was to kind of actively buy and sell different investment in order to try to outperform the market, which they had done and were performing really well.","start_word":3658,"end_word":3696,"intents":[{"intent":"Outperform market","confidence_score":0.12549889}]},{"text":"So if we are swapping an Australian investment, we do wanna swap it for kind of a like for like investment in a way because we don't wanna put too much in, like, The US market or the global.","start_word":3873,"end_word":3911,"intents":[{"intent":"Swap investment","confidence_score":0.6335103}]},{"text":"if you are happy with that, what I will do is I will send you something that's called a record of advice.","start_word":4071,"end_word":4092,"intents":[{"intent":"Send advice","confidence_score":0.075220786}]},{"text":"But this just lets us, you know, keep servicing and managing your account and everything in the meantime there for you.","start_word":4492,"end_word":4512,"intents":[{"intent":"Manage account","confidence_score":0.07375151}]},{"text":"And the other one it will ask you to sign, it is just a tax file number form, Yep. and that is just a compliance form to say we are keeping your tax file number secure and safe on file. Okay.","start_word":4516,"end_word":4556,"intents":[{"intent":"Define compliance form","confidence_score":0.0007050222}]},{"text":"So when All you have good. a moment, have a look through the document. Any questions, let me know. If not, if it all makes sense, I will just need you to sign those documents. Yes.","start_word":4556,"end_word":4591,"intents":[{"intent":"Check documents","confidence_score":0.0010921896}]},{"text":"Any questions, let me know.","start_word":4570,"end_word":4574,"intents":[{"intent":"Ask questions","confidence_score":0.04343913}]},{"text":"The other thing I do wanna just confirm with you is with your investment, you do have you invested in a growth portfolio.","start_word":4670,"end_word":4692,"intents":[{"intent":"Confirm investment","confidence_score":0.4892339}]},{"text":"Now the last thing I do need to quickly run through with you, Heather, is just a bit of an updated Slack line just to see if there's anything major Yeah.","start_word":4792,"end_word":4822,"intents":[{"intent":"Update slack line","confidence_score":0.009643772}]},{"text":"heaps of quick different questions about employment and Yes.","start_word":4842,"end_word":4850,"intents":[{"intent":"Discuss employment","confidence_score":0.0069784746}]},{"text":"And I know that, obviously, fuel prices and everything lacks that. Is there a bit of, like, uncertainty for you around work at the moment, or No. is We're pretty still good.","start_word":4858,"end_word":4889,"intents":[{"intent":"Check oil prices","confidence_score":0.00791105},{"intent":"Express concern about fuel prices","confidence_score":0.005018258}]},{"text":"You can always call me if you're unsure, and I can calculate it for you.","start_word":5615,"end_word":5629,"intents":[{"intent":"Calculate tax rates","confidence_score":0.017331757}]},{"text":"just to see, yeah, okay, how much is the the private health, but how much are we saving on tax as well? And sometimes sometimes Yeah.","start_word":5693,"end_word":5718,"intents":[{"intent":"Discuss savings on tax","confidence_score":0.091590635}]},{"text":"So we're we're definitely gonna Exactly. look into that by July.","start_word":5757,"end_word":5767,"intents":[{"intent":"Look into retirement plan","confidence_score":0.038689837}]},{"text":"And, yeah, if you have any issues or questions, you can always just let me know, and I can always run the numbers for you. That is no problem.","start_word":5787,"end_word":5815,"intents":[{"intent":"Run numbers","confidence_score":0.43915588}]},{"text":"otherwise?","start_word":5856,"end_word":5856,"intents":[{"intent":"Address concerns","confidence_score":0.03801919}]},{"text":"So I I will get who was the guy you spoke to when we booked you in, I'll get him to forward you that email for Neos with the rebate so you have it for you. So yeah.","start_word":5977,"end_word":6014,"intents":[{"intent":"Review rebate options","confidence_score":0.00022564696},{"intent":"Confirm payment method","confidence_score":0.00152801}]},{"text":"And we'll we'll have a look. So when his premium does go down, I'll tell him to let me know as well if he wants to revisit it because then I can Yeah.","start_word":6101,"end_word":6133,"intents":[{"intent":"Seek assurance","confidence_score":0.000011241766}]},{"text":"So when his premium does go down, I'll tell him to let me know as well if he wants to revisit it because then I can Yeah.","start_word":6107,"end_word":6133,"intents":[{"intent":"Recommend revisiting","confidence_score":0.0012024204}]},{"text":"Yeah.","start_word":6220,"end_word":6220,"intents":[{"intent":"Confirm understanding","confidence_score":0.053905357}]},{"text":"So we'll reach out So to him when it's gone that twelve months, and then we'll help him do it. yeah.","start_word":6285,"end_word":6305,"intents":[{"intent":"Reach out","confidence_score":0.065990314}]},{"text":"Well, I will let you go and enjoy the rest of your afternoon. I will get the team to forward you the refund. I will also keep a lookout for for that record of advice just to show the change. Yeah.","start_word":6360,"end_word":6400,"intents":[{"intent":"Provide and forward refund","confidence_score":0.00021299052}]},{"text":"I will also keep a lookout for for that record of advice just to show the change. Yeah.","start_word":6383,"end_word":6400,"intents":[{"intent":"Follow advice","confidence_score":0.004437702}]},{"text":"But if anything does change otherwise to your end or together or anything, just let me know, and we can always do a catch up whenever you guys want to. Yeah.","start_word":6402,"end_word":6432,"intents":[{"intent":"Follow up","confidence_score":0.007584108}]},{"text":"As I'll long reach as out that's for an appointment. Yeah.","start_word":6553,"end_word":6563,"intents":[{"intent":"Book appointment","confidence_score":0.6730543}]}]},"sentiments":{"segments":[{"text":"Good morning. Heather speaking.","start_word":0,"end_word":3,"sentiment":"neutral","sentiment_score":0.2510709762573242},{"text":"Good morning, Heather. This is Veronica from OQ Financial.","start_word":4,"end_word":12,"sentiment":"positive","sentiment_score":0.38031837344169617},{"text":"How are you? Hey.","start_word":13,"end_word":16,"sentiment":"neutral","sentiment_score":0.28942281007766724},{"text":"I'm all good.","start_word":17,"end_word":19,"sentiment":"positive","sentiment_score":0.45788687467575073},{"text":"I'm just trying to turn this volume up. That's It's quiet. okay. I'm just Can driving you hear me? the car at the moment. Yeah. It's just a bit quiet. Okay. I'll see if I can turn it up a little bit, but I think I do have it on max. Yeah. Sometimes the lines can be quiet. I'll I'll try my best anyway. Okay. I'm on the If highway, you can't so I haven't really got a a place to pull over just yet. That's alright. No. We'll get That's going. okay. Alright. If you can't hear me, though, just ask me to repeat it, and I'll try to speak a Yeah. bit louder I know. for you. Yeah.","start_word":20,"end_word":139,"sentiment":"neutral","sentiment_score":-0.028352970257401463},{"text":"You're all good.","start_word":140,"end_word":142,"sentiment":"positive","sentiment_score":0.3897492289543152},{"text":"I had you booked in this morning for your annual review. Is now still a good time for you? Yeah. Yeah. I mean, Yep. the reason I made the appointment wasn't for the annual review. It was someone else made it that pretty much, the the guy I spoke to a week ago. Okay. Well, before I do go into the review, I'll just pass you through security, and then we can address what you wanted to talk about first. Yep. Yeah. Sure. And then I can tie that into Yeah. the annual It's review just the for same thing you. that I just spoke to you several weeks ago about. Yes. I figured. Yeah. Now just for security purposes, could I just get you to confirm your full name, date of birth, and address, please? So it's Heather Amanda Thompson. What was the second one? Date of birth and Oh, address. 05/1957. Yep.","start_word":143,"end_word":296,"sentiment":"neutral","sentiment_score":0.049768101423978806},{"text":"Perfect.","start_word":297,"end_word":297,"sentiment":"positive","sentiment_score":0.34151050448417664},{"text":"And before we do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, Yes. if that's okay.","start_word":298,"end_word":326,"sentiment":"neutral","sentiment_score":0.08038199692964554},{"text":"Amazing. Yes. I'm good.","start_word":327,"end_word":330,"sentiment":"positive","sentiment_score":0.4304485321044922},{"text":"Now questions from you first of, I guess, why you wanted to have the conversation. Yeah. I just wanted to do the same Yeah. as Hayden. I just wanna cancel the trauma insurance. Yes. Of course. We can do that. And just confirming that that would be the attached outside life as well. Sorry. The sorry. The what? Sorry. Let me get up your document just so I can explain it for you. So when we Yes. got your It's it's it's Nios, just something I pay with my own money. yes. Exactly. So with the trauma, now when we got that set up, we added a secondary life policy to it simply just to reduce the premium of your trauma. So what we can do, which So is that's what just we did for my one. it is just your outside. So you still have another life policy inside super. Oh, yeah. That It one's was fine. Yeah. Yeah. Yeah. Yeah. yes.","start_word":331,"end_word":493,"sentiment":"neutral","sentiment_score":0.04905230924487114},{"text":"That's fine. I'm Perfect.","start_word":494,"end_word":497,"sentiment":"positive","sentiment_score":0.4505375027656555},{"text":"just trying to work out what you mean by the attached to a trauma Yeah. They just, like, linked together. So if I cancel one, it will cancel the other one. o one. But Is the that only something reason Hayden we had as well? correct. Yes. So So, did he cancel? yes, so Okay. what that would look like for you, just so you know, it would be that we would retain your life and TPD, which you have paid inside. But you will still have that, and that is 262,500. So that will Yep. stay in place. Now Yep. because your smokers' rate has been removed already, it's great. Sorry. My It's reduced water's been removed? the the smokers rate. Oh, yes. Sweet. Okay. So Yeah. that has oh, that yeah. I never That got has confirmation happened. about that. No one emailed me back. Nothing. Because I can see that Nios sent us a copy. It should they should have sent you a copy as well, but A copy of a confirmation to say it's been actioned. Oh, no. So No. so I, yeah, I emailed them at the start of the year because Yes. that because I you know, we we spoke, you know, before we Yes. even set up the account, and I chose Yes. Yes. to stop smoking then. And then when I emailed them earlier in the year, they turned around and said, oh, we have on record that you've been smoking since April, so you need to email us back in April. And I'm like so, Okay.","start_word":498,"end_word":762,"sentiment":"neutral","sentiment_score":0.017193991613556753},{"text":"like, to me, that was cheesy because it's like, just because I set up the account in April doesn't mean Yeah.","start_word":763,"end_word":783,"sentiment":"negative","sentiment_score":-0.42244330048561096},{"text":"that No.","start_word":784,"end_word":785,"sentiment":"neutral","sentiment_score":-0.33188530802726746},{"text":"I was still smoking in April.","start_word":786,"end_word":791,"sentiment":"negative","sentiment_score":-0.3749119341373443},{"text":"So I had No. to wait three months to re email them back the same form with an April date to to make up the 12. That's yeah. And in the future too, because insurance can be tricky, they they don't always love when clients email them directly. They can be a little bit tricky that way. So to Yeah. make That's it fine. easy I for just you followed their rules. But, yeah, I just Yeah. did a I sent my back the form in April and just did here's my form. I'm not smoking. Can you please adjust Yeah. my premium accordingly? Yeah. And then I gave her Yeah. her back to her again. So it has Right. been adjusted. Yes. It has been.","start_word":792,"end_word":917,"sentiment":"neutral","sentiment_score":-0.048156507313251495},{"text":"Now if there's anything you need from insurances as well to make it your life easier, I'm happy for you to just email me or call me what you need, and then I will speak to Neos on your Okay.","start_word":918,"end_word":957,"sentiment":"positive","sentiment_score":0.3697625994682312},{"text":"Oh, yeah. behalf to to make it easier because then we can push them. If they were to tell me what they told you, I I would be like, no. So if Oh, okay. Yeah. Because I just replied to the email that I got the documents from. You know? yeah. Yeah. Sorry. Anything you need for from either your super or your insurances, just Yep. email me, and then I will do that for you. Yeah. I Can will I help get you? the team to forward you the copy of the email we got from yours anyway so that you have that copy. Yep. I'll get them to forward that. But, yes, I can see here Yes. that it has been removed, and it actually So made the premium a lot cheaper for you. yeah. Of course. So I don't even know what the difference was. So, like, that was something that I would like to know. I like to I like to Yes. see it that that it the the premium change. You know what I mean? Yes. Sorry. I Because will that I was will run the that incentive through with you. right from the start when we had the Yes. meeting. You, you know, you said, you know, if you choose not to smoke, obviously, your Yes. premium is cheaper.","start_word":958,"end_word":1182,"sentiment":"neutral","sentiment_score":0.09594576229651768},{"text":"So Yes. you And know it's almost it's almost by half, which is great.","start_word":1183,"end_word":1196,"sentiment":"positive","sentiment_score":0.5315374732017517},{"text":"oh, really? Yeah. So I've actually notate and give up smoking. It took them a lot longer that he's he'll be on his way to being smoke free too, which is what Yes. I wanted. Yes. I wanted what I Yes. wanted anyway. Oh, I thought Exactly. he's smoking because he was smoking. So, Yes. And yeah, double and he's I I do he's have a he's reminder. been out before. Yeah. And I do have that for him as well that we are looking at doing that as well.","start_word":1197,"end_word":1286,"sentiment":"neutral","sentiment_score":0.06863529235124588},{"text":"So which is great.","start_word":1287,"end_word":1290,"sentiment":"positive","sentiment_score":0.4955156445503235},{"text":"So premium for you, if we start with inside super, it's been sorry. I'll just recap for you what it was. So it was let me see here. Actually, it doesn't tell me here. It does tell me that your new premium after rebate is $404. Now Okay. you have got a refund from Neos because they pro rata it because you weren't a smokers the whole the whole duration. Yep. So you've actually got a refund for the premium that you were paying more for of 483 into your Oh, super. Yeah. yeah. Massive Right. difference.","start_word":1291,"end_word":1387,"sentiment":"neutral","sentiment_score":0.10357337445020676},{"text":"So reduce them by basically half for you, which is fantastic.","start_word":1388,"end_word":1398,"sentiment":"positive","sentiment_score":0.5520509481430054},{"text":"So what was Let my original premium that I was paying having spoken me on there? let me add that up for you if I can see Thank it. you. No. That's okay. Sorry. It would have been 83 plus about 887 around that, and Oh, it's now that's how down much I spent the annual payment in. yes. Exactly. So with smokers, the insurers do add, like, a a loading, they call it, on the premium Yeah. Yep. because of the increased risk. So they increase the premium, basically. Yeah. Because it increases So all cause mortality. exactly.","start_word":1399,"end_word":1497,"sentiment":"neutral","sentiment_score":-0.011149522848427296},{"text":"So great news. It's it's 404 now, which is fantastic. Wow. That's And, great.","start_word":1498,"end_word":1511,"sentiment":"positive","sentiment_score":0.5334646105766296},{"text":"That'll be good for the yeah, pooper. Yeah. exactly.","start_word":1512,"end_word":1520,"sentiment":"neutral","sentiment_score":0.26671314239501953},{"text":"Good.","start_word":1521,"end_word":1521,"sentiment":"positive","sentiment_score":0.3340955972671509},{"text":"Now Yeah. with Because the I did out it for the money. Because at the yeah. end of the day, you know, like, if I did it for me, I wouldn't have Yep. been smoking in the first place. Yeah. And now it's like, well, your health will benefit from it, and the premium will be reduced.","start_word":1522,"end_word":1578,"sentiment":"neutral","sentiment_score":0.1128806322813034},{"text":"So Perfect. that's a Yeah.","start_word":1579,"end_word":1583,"sentiment":"positive","sentiment_score":0.4120185971260071},{"text":"win win. I don't know if I'll let Hayden know too. He's already been smoke free for quite some time now. So I'll let him know how Yes. much how much he's saving, and he'll be like, oh, I'm good. I did it. Yeah. Exactly. And sometimes it is slightly different for males and females. Insurers do work at a little bit different, so it might not be completely half for him, Yeah. but For it will sure. be Yeah. a big different it will be a big save. Yeah. Good. Perfect. Now for your trauma, sorry, the the one you have out of pocket, which is the Yep. trauma, that's 52,500 as how much you were covered for, and then we do have a secondary life of the same amount simply just to reduce the cost for you. So we Yep. can go ahead and cancel both of those for you as long as, obviously, you understand that if you were to suffer those traumatic events, you won't have the cover in place. But I also understand cash flow and everything at the moment, especially with Oh, the I fuel yeah. prices Like for you guys. yeah. I Because well do well, completely we have get that it. second property now, and it's just, like, Yes. it's just bleeding us. Yes. And I completely get that. Yeah. Now for your reference as well, that has become cheaper for you out of pocket anyway, but we can still go ahead and cancel it. But I would just wanna let Yeah. you know how much you changed. So it is now $25.52 a month, and it was $34.18 a month. So it has seen it reduced again for you because there's no Okay. smokers rate. You still Yep. wanna go ahead and cancel it? So save it again. So It's now when the the premium has been reduced for the out of pocket, you will see that the the new premium so moving forward, if you decide to keep it, it's $25.52 a month. So it's about $6 For 30 the eight trauma. a week. Correct. It wasn't wasn't I what was I paying? I was paying, like, You 40 $8 or something. exactly. You were paying a lot more because of the smoker's rate, and now that's been removed for you. It had almost half it again. Yes. Oh. Oh, I didn't know if you realized it was that cheap now. Yes. Yeah. Because Hayden because Hayden's jumped. His one's, like, 48 and then went straight to 63. They do increase with age, which is one of those things that you Yeah. become older. So the the smokers is the biggest thing to make it cheaper. Yeah. Right. So, So yeah, it's so up I just to you. know that'd be so much of a jump, you know, like Yes. so, yeah, so so what what would it be? 20 instead of Twenty five fifty two. So 25 yep. dollars and 52<unk> a month, Yep. and it was closer to it was 40 something before. Yeah. I think it was I think it was, like, 41, and then it went to 48. Yes. So you should, again, see if you haven't keep a lookout on your bank account because they have refunded you as well for the out of pocket expense. So you should have about Oh, well, 20 if it's only $5. twenty 5 a month, I'm more Yeah. inclined to keep that, actually. Yeah. I didn't realize Okay. I could keep it, and it was still gonna be quite cheap. Yeah. Yes. Because it's better than the 48. A massive difference. Because what we can do is we can just keep it for the time being if you want. You Yeah. can still Please. cancel Yeah. Let's it let's whenever do that. you Yeah. want That's to. that's quite Yep. affordable. Yeah. Yes. So in saying that, if Hayden was to be smoke free for a year and then rein can he reinstate He can reapply. this? So he can't Oh, okay. reinstate it, but he can reapply. So we could look at how much a new policy would cost as long as nothing has changed with his health. Like, the only risk would be if he has a health issue or an severe injury or anything that would restrict him being Yeah. able Got to you. get it. But Yeah. when What she it's has had anyway. yeah. So we could if he wanted to when we do look at when the smoke and thread has been removed for him and he knows the new premium, Yep. if he wants to revisit it, just tell him to give me a call. I Okay. can Perfect. run the numbers, and then we can see what he Yeah. wants Okay. to do. Yeah. Because Yeah. our both reduced rates could have been the price of one. See, like, that's something we didn't know. Yeah. Yeah. Massive difference. So Yeah. I will No. keep I'll yours. keep mine for now because that's Yes.","start_word":1584,"end_word":2436,"sentiment":"neutral","sentiment_score":0.01843767024463115},{"text":"I think that's reasonably affordable.","start_word":2437,"end_word":2441,"sentiment":"positive","sentiment_score":0.6236954927444458},{"text":"Yes. And if anything changed, like, the good thing with the the policy, you can cancel whenever you want to. So if anything does change Yep. down the track, you Yep. can it doesn't Yep. have to you can you can call me or email me whenever you want to and say, hi. I don't want it anymore. But it has reduced significantly, so I think it's good through to leave it for now, see how you go with, Yeah. obviously, cash I'm happy flow and with everything. that. I think we can leave Yeah. it for now. Yeah. Yep.","start_word":2442,"end_word":2541,"sentiment":"neutral","sentiment_score":0.04144784063100815},{"text":"Beautiful.","start_word":2542,"end_word":2542,"sentiment":"positive","sentiment_score":0.4581845998764038},{"text":"Yeah. Thank you No. That's so good.","start_word":2543,"end_word":2549,"sentiment":"neutral","sentiment_score":0.3131529986858368},{"text":"for So great news that. for that.","start_word":2550,"end_word":2556,"sentiment":"positive","sentiment_score":0.48742619156837463},{"text":"Now I will like I said, I will get the team to forward you that email anyway that outlines the Yeah. refund just so you have an inviting from them, Yep. Yeah.","start_word":2557,"end_word":2588,"sentiment":"neutral","sentiment_score":0.1238555908203125},{"text":"Cool. which is great.","start_word":2589,"end_word":2592,"sentiment":"positive","sentiment_score":0.47157758474349976},{"text":"Now with your under review, sorry. I have sent you a document. Now I know you're driving at the moment, so don't have a look at them now. Yeah. But when you have a have a moment later, it is to give you a bit of a an overview of your account. So part of the document so when you have a look at it, it will say sign documents. Before you press sign documents, you will see a couple of attachments at the bottom of that email. Now what you will see there is a summary of your insurances like we just touched on. I Sure. have included Yep. a new run done from Neos as well so that you can see it. Yep. It also outlines your superannuation. So you have majority of your super in hub 24. Now Yep. you do have about $49,700 in there at the moment. And Yeah. then I've we been do checking have it. I've been waiting for it to hit that 50. And then all yeah. of a sudden, the Very fuel soon. prices came along and, like, stalled it because I was like, Yeah. you know, just, like, watching it get up. It would've made it too, but, yeah, that fuel Yeah.","start_word":2593,"end_word":2804,"sentiment":"neutral","sentiment_score":0.01653987585725087},{"text":"prices just damaged it a little bit.","start_word":2805,"end_word":2811,"sentiment":"negative","sentiment_score":-0.5481998920440674},{"text":"It has. And to be fair, the last twelve months have been quite turbulent. So you you guys have seen, obviously you can never time the market. You never know what's going to happen. But Oh, the no. last Like, twelve it's just months it's something that is gonna go up and down. It's it's all of this. He's exactly. gotta he's At least gotta the good thing is you if ride exactly.","start_word":2812,"end_word":2884,"sentiment":"neutral","sentiment_score":-0.1369306892156601},{"text":"The good thing is the as well, if you do see it, wave, keep an eye on it every now then, man.","start_word":2885,"end_word":2906,"sentiment":"positive","sentiment_score":0.4587278664112091},{"text":"you will see the movement. So you Yeah. you would be aware that sometimes it goes up a lot, and you're like, yay. And the next time, it's like, oh. But they they how it is, it's it's obviously Here long we term go. for Yeah. you. No. Yeah. That's No a worries. bit better. Can you hear me Yeah. okay? Yeah. I'm on the actual Yes. phone now.","start_word":2907,"end_word":2975,"sentiment":"neutral","sentiment_score":0.03856497630476952},{"text":"I Oh, just found nice. a place to pull over. And that is how your portfolio and everything has been designed as well.","start_word":2976,"end_word":2998,"sentiment":"positive","sentiment_score":0.3753661513328552},{"text":"So Yes. we're obviously trying to structure your investments in the way that, you know, some areas are doing really well. Otherwise, there's a bit more kind of up and down through them kind of negate each other. Because, you know, when everything in an area where, like, some years, it's like, oh, wow. That's amazing. And then other years, it's like, oh, it's down quite a bit. Yep. So you Yeah. obviously I mean, want they're kind of they're quite the website's quite hard to read at the best of time. So I really just sorta I have absolutely no idea what what the summaries mean. I just I just look in there every now and again to make sure that my boss is paying in.","start_word":2999,"end_word":3125,"sentiment":"neutral","sentiment_score":-0.07199446111917496},{"text":"Yes.","start_word":3126,"end_word":3126,"sentiment":"positive","sentiment_score":0.35721802711486816},{"text":"And it is it is quite a sophisticated platform that sometimes it's harder to get get an idea of to start with. Yeah. Yep. If you do at any point want me to guide you through the web, like, the the app or anything, let me know because I use Hub 24 myself, so I can see it on my mobile phone from a client point of view as well. Because, Oh, obviously, okay. otherwise, I see it from the adviser side on my computer, which looks Yep. different because I have access to other things. Yeah. But if it ever is that you do want it, sometimes it can be confusing because it shows you all the investments, the movements, and everything. And if I mean, if the you only don't thing know I I really just wanna say is where it, like, makes money around where I put in. You know, that's the only Yes. thing Exactly. And the I have sent you a performance report in oh, the perfect. document, Yep. which is usually the best way through or most people find it the most useful. Now Okay. it still can be a little bit messy, but it breaks down all your individual investments. And we do a 12 monthly report after fees to show you everything net of fees, Yep. and it shows you all your investments. So when you have a look at it, you will see that the return on the investment sums up a lot, sums not so much, and that's kind of with that with that balance. So when you do have Yeah. a look at it, you will see that the strongest contributors were your US investments were were really good. Yep. Mhmm.","start_word":3127,"end_word":3418,"sentiment":"neutral","sentiment_score":0.14607760310173035},{"text":"And, also, your gold was doing amazing.","start_word":3419,"end_word":3425,"sentiment":"positive","sentiment_score":0.46166354417800903},{"text":"And The what? your Sorry. your gold, a bit of that gold in your portfolio, like the defensive physical gold, Oh, okay. Yeah.","start_word":3426,"end_word":3448,"sentiment":"neutral","sentiment_score":0.18060752749443057},{"text":"Okay. yeah, that's kind of gone through the roof, which is really good. And also some of the tech investments have Oh, done really you expect well.","start_word":3449,"end_word":3475,"sentiment":"positive","sentiment_score":0.5159255266189575},{"text":"that? Yeah. Yeah. Yeah.","start_word":3476,"end_word":3479,"sentiment":"neutral","sentiment_score":0.23830489814281464},{"text":"Also, your JPMorgan assets, your quality Australian companies have done really well.","start_word":3480,"end_word":3491,"sentiment":"positive","sentiment_score":0.5016294121742249},{"text":"The areas where we have seen a little bit more turbulent or fluctuation is that there is actually one investment I do want to look at changing for you if you are happy with that, and that Okay. is your Benelon Australian equity. Okay.","start_word":3492,"end_word":3535,"sentiment":"neutral","sentiment_score":0.04063190519809723},{"text":"Now that one has recently underperformed a little bit.","start_word":3536,"end_word":3544,"sentiment":"positive","sentiment_score":0.3401060104370117},{"text":"And if that is ever a situation, then we do wanna look at changing it if we could see it not come back coming back around. So sometimes Okay. we have different investments there. It's like like, for example, the India investment at the moment. It is a little bit down at the moment, but it's more so due to market rotation and short term fluctuations. So we do Yep. very much still believe in that and see it come back around. We don't wanna change anything if it's down at the moment. You don't wanna obviously sell out when the prices are down unless we foresee it not come back around. Okay. So with the Benelon Australian equity, now the purpose of that investment was to kind of actively buy and sell different investment in order to try to outperform the market, which they had done and were performing really well. More recently, they've been a little bit slower in making those decisions, and we've done a lot of research on it. And if we do foresee that it's not going to be the best option for you moving forward, then we wanna change it. But the good Okay. thing with HUB 24 is that there are hundreds of different options for us to choose from to Yep.","start_word":3545,"end_word":3763,"sentiment":"neutral","sentiment_score":-0.028449293226003647},{"text":"make sure that at all points in time, we have you in the best option possible because things are always changing.","start_word":3764,"end_word":3784,"sentiment":"positive","sentiment_score":0.3491246700286865},{"text":"And that is Okay. also why the underreviews are so good, but also during during the year. If there's anything that we foresee, oh, like, market trends, changes are happening. Let's let's look at making those changes, and we will Yep. let you know. Okay. The choice If is still you think obviously it's best to change it, then that's yeah. fine. Yeah. Because we've had a bit of a look at it, and the one we're looking at changing it for, it's called beta shares a 200. So if we are swapping an Australian investment, we do wanna swap it for kind of a like for like investment in a way because we don't wanna put too much in, like, The US market or the global. We wanna make sure we keep it diversified. If we Okay. remove So it's a bit your of diversified. Australian Yeah. Yep. yeah. So we wanna keep that. Now the beta says a 200, it is a little bit cheaper because you don't have that same kind of active buying and selling. So how it is Okay. is slightly different either is mainly tracking the 200 largest companies listed in Australia. So very Okay. diversified. And that's All your performing big better companies at the moment than the other one. yes. Exactly.","start_word":3785,"end_word":4003,"sentiment":"neutral","sentiment_score":0.09846842533921542},{"text":"Okay. It is performing better, and it is a little bit cheaper for you as well, which is great.","start_word":4004,"end_word":4022,"sentiment":"positive","sentiment_score":0.6382451057434082},{"text":"Okay.","start_word":4023,"end_word":4023,"sentiment":"neutral","sentiment_score":0.33045440912246704},{"text":"So That's fine.","start_word":4024,"end_word":4026,"sentiment":"positive","sentiment_score":0.3907559812068939},{"text":"Let's go moving with that then. forward, yeah, moving forward, it should say, hopefully again, you never know what's happening with the war and how things are happening, but it should smooth things out a little bit with removing that Benelon investment. So Okay. if you are happy with that, what I will do is I will send you something that's called a record of advice. Now you don't need to sign it. It is just for your reference to let you know that we have made that Yep. one investment Yeah. No change. problem. Just paper trail. Yep. Exactly. So if you, yeah, if you're happy with that, I will action Yeah, that please. document for Yeah.","start_word":4027,"end_word":4144,"sentiment":"neutral","sentiment_score":0.1741400957107544},{"text":"you. Go Amazing. on. Might And as then well stick send with it, performing ones.","start_word":4145,"end_word":4159,"sentiment":"positive","sentiment_score":0.38425880670547485},{"text":"yeah, and send it through to you.","start_word":4160,"end_word":4166,"sentiment":"neutral","sentiment_score":0.24197295308113095},{"text":"And, yeah, that's, like, the really good thing with with Hub twenty four and also us as well that we do kind of take more of that proactive approach, and we don't wanna just leave it and then five is down to track if we're like, oh, this one hasn't done to what we wanna change it sooner rather than later if we foresee that.","start_word":4167,"end_word":4231,"sentiment":"positive","sentiment_score":0.4639001190662384},{"text":"So Yep.","start_word":4232,"end_word":4233,"sentiment":"neutral","sentiment_score":0.3130747973918915},{"text":"we'll we'll go ahead and do that for you.","start_word":4234,"end_word":4242,"sentiment":"positive","sentiment_score":0.37671250104904175},{"text":"Now other Sure. documents you will see is you will see an updated version of their financial services guide. Now that was that kind of compliance document, same as what we went through last year. It's just a bit of an updated version.","start_word":4243,"end_word":4285,"sentiment":"neutral","sentiment_score":0.12948176264762878},{"text":"Now we've had some extension to the team, which is great.","start_word":4286,"end_word":4296,"sentiment":"positive","sentiment_score":0.4921245574951172},{"text":"So when you have a look at it, you will Oh, see cool. all the photos of their You directors, mean this? all their advices. Yep. Yeah. Four of us. It's a bit of updated marketing photos. I'm still in there, a new updated photo. So it's all in there for you. No problem. Otherwise, it will then ask you to sign through documents if you're happy to do so.","start_word":4297,"end_word":4366,"sentiment":"neutral","sentiment_score":0.19036751985549927},{"text":"Now that will be a ongoing service agreement, and that is just to say that you're happy to stay on as a client.","start_word":4367,"end_word":4389,"sentiment":"positive","sentiment_score":0.4555670917034149},{"text":"Now there is no changes whatsoever in regards to the fee structure. It stays exactly the same at that discounted 1.1% because, obviously, you are both a client that stays the Okay. same. No changes Oh, that's whatsoever.","start_word":4390,"end_word":4427,"sentiment":"neutral","sentiment_score":0.1757499873638153},{"text":"good. Yeah. That's good. It's always good when things don't change in the climate that it is.","start_word":4428,"end_word":4444,"sentiment":"positive","sentiment_score":0.47182774543762207},{"text":"Exactly. No. We don't wanna do that. That stays the same. And as per last time, it is not a lock in contract. So if at any point in time, you are not happy, not a lock in contract, no extra Yep. fees or anything like that. But this just lets us, you know, keep servicing and managing your account and everything in the meantime there for you. Mhmm. Yep. And the other one it will ask you to sign, it is just a tax file number form, Yep. and that is just a compliance form to say we are keeping your tax file number secure and safe on file. Okay. So when All you have good. a moment, have a look through the document. Any questions, let me know. If not, if it all makes sense, I will just need you to sign those documents. Yes. No It worries.","start_word":4445,"end_word":4594,"sentiment":"neutral","sentiment_score":0.11921876470247904},{"text":"is electronic to make it nice and easy.","start_word":4595,"end_word":4602,"sentiment":"positive","sentiment_score":0.3810705542564392},{"text":"Yeah. And once I'll be you fine. finish, Yep. yeah, once you finish signing, it will automatically send it back to me. I will Yep. let the team know it will get that all sorted. We will keep the trauma for now, but if anything Yes. changed, just email or call me. Yep. And I will also send you that document just to switch that investment. Yep. The other thing I do wanna just confirm with you is with your investment, you do have you invested in a growth portfolio. Now I know last time, we went through kind of an extensive risk profile questionnaire to see how you feel about fluctuations and everything. Yep. Has any of that changed or are you still kind of comfortable with the same, risk Yeah. profile, No. I your want it growth? to grow Yes. as as much as possible. Yes.","start_word":4603,"end_word":4750,"sentiment":"neutral","sentiment_score":0.06126418337225914},{"text":"Amazing. And you still have plenty of time until retirement. So you're definitely in a good position.","start_word":4751,"end_word":4767,"sentiment":"positive","sentiment_score":0.43507492542266846},{"text":"You do have time for those short term fluctuations in order to grow at long term. So Yep. we will leave all of that. Now the last thing I do need to quickly run through with you, Heather, is just a bit of an updated Slack line just to see if there's anything major Yeah. that That's has changed. yeah. The dude that rang me last time to make this appointment, he asked Yeah. heaps of quick different questions about employment and Yes. Sorry. I have all of that. yeah. And I know that, obviously, fuel prices and everything lacks that. Is there a bit of, like, uncertainty for you around work at the moment, or No. is We're pretty still good. kind You know, like, you know, we don't have of any children and things like that. You know, like, it's just our investment yeah? property, obviously, that Yeah. just pulling in pulling Yeah. a bit of money at this minute. But but, like, it's it's coming up to tax time, you Yeah.","start_word":4768,"end_word":4941,"sentiment":"neutral","sentiment_score":-0.03992464204971818},{"text":"know, so we should get quite a good tax break with that.","start_word":4942,"end_word":4953,"sentiment":"positive","sentiment_score":0.3892644941806793},{"text":"Yes. So that Yeah. should Bit really of deduction. alleviate us Yeah. with that one. But yeah. But he the guy said that it wasn't even listed there as as a thing. It it was on Hayden's, so he Oh, may got not have you. seen it on your account. Got Now you. I know that you guys have things together. Sorry. Yeah. Yeah. I Because it's all because added. he asked for all the new prices Yeah. on, like, the current property and stuff because he's Yeah. like, oh, your house is valued at 900. I'm like, no. I'm pretty sure No. it's 1.2. Yes. And Yes. I No. was just I have basing all it of off that. whatever I saw on the Internet. Like, I don't it's not, like, properly evaluated. And no. And that's fine. And I think that's Yeah. what he did as well. So I have all of those updated information, Oh, perfect. and it's often as well for for privacy sometimes as well. You can't disclose partners and stuff, but you guys do have that, so we can. Oh, And, okay. obviously, So it just carries I know across. you guys. Yeah. Exactly. So let me see if there was anything here. The only thing I can see that we didn't ask you was, do you have private health insurance? No. I don't. No. Alright. So if we do get that, is that something I need Yes. to ring you and let you know? Yes. So because Hayden's just changed jobs again. Mhmm. So Yes. we're looking at looking at it for July Yep. to depending on how much we're gonna earn this year. I'll go Yep. what went to 2,027. Yes. So Not if necessarily. It doesn't change. It it would just change if you are liable to pay the medical levy surcharge yeah. Well, if that's we why were doing we were looking at getting it. Yeah. exactly. So if you were looking at doing different if we were looking at doing more, you know, contribution strategies or something like that, it is really good to know because it does change the tax outcome. Oh, okay. Yeah. Because one good portal actually for you, if you do are interested, is is something that's called paycalculator. Just paycalculator.com.au. Oh, yeah. I think And I've missed it. Yeah. So yeah. because And Hayden and hasn't this got his first pay yet, we don't know what his annual pay will be for '20 exactly. '7 to '28. And because Yeah. I have got a new job also since I spoke to you, I get paid less. Yes. So Yes. but if I change jobs Yes. together we may earn over the is it 201, 202? It I keeps think it's the up to now. individual let me triple check. The individual is one zero one, because sometimes it's based on that. But let me just triple check because Yeah. it changes I every think last tax year, it every was financial a 190 year. four. Yeah. Exactly. So it's now up through a 101 for Yeah. I individuals will and families and couples over two zero two. two zero two. Yeah. Okay. Two Yeah. zero So we two. need to work Yes. out whether we're gonna earn more than $2.00 2 for the next Yes. financial year Yes. because we will more than likely probably jump onto some health insurance to avoid the Medicare levy. And that is to the side where most people use it. Some people are like, oh, I don't see the point in having it. And I was like, that's Oh, fine. no. Just So check we've it never from had the it because we've never earned over a 194, but tax. Yes. his his new job pays quite well, so Yes. it might push us over.","start_word":4954,"end_word":5600,"sentiment":"neutral","sentiment_score":-0.011126527384245967},{"text":"Which is great.","start_word":5601,"end_word":5603,"sentiment":"positive","sentiment_score":0.7534308433532715},{"text":"Now on so you can check it as well how much. You can always call me if you're unsure, and I can calculate it for you. But even on the ATO website, they actually have a little table, and it shows you the different rates. So if your combined income is between $2.00 2 and 236, the levy the levy start charge is 1%. And then it goes up to 1.5 if it's combined $3.16. So it is definitely worth considering if you guys go above $2.00 2 Yep. just to see, yeah, okay, how much is the the private health, but how much are we saving on tax as well? And sometimes sometimes Yeah. depending on the the income, it's actually cheaper. Sometimes it's a little bit more, but then you do Yep. have private health instead, and you don't pay additional tax. So Yeah. So that's definitely. yeah. That's the plan. So we're we're definitely gonna Exactly. look into that by July. Yep.","start_word":5604,"end_word":5768,"sentiment":"neutral","sentiment_score":0.0944049507379532},{"text":"Amazing. Definitely have a look at it, yeah, especially with the little pay increase in in the family.","start_word":5769,"end_word":5786,"sentiment":"positive","sentiment_score":0.39631038904190063},{"text":"And, yeah, if you have any issues or questions, you can always just let me know, and I can always run the numbers for you. That is no problem. But that was basically everything that I kind of needed to run through on my end for you there, Sure. Heather. Okay. Yeah. All good. Do you have any other questions for me or anything else at this point No. otherwise? I don't think so. No? No. Okay. No. Amazing. Yeah. Like I like I said, like, I saw the trauma, you know, the premium jump. And, yeah, like, my my investment property is costing me an extra, Yes. like, 200 Yes. dollars a month, not including Yeah. the interest rate that just came through last week. And the kid's going So up. yeah. So we just needed to Yeah. cut back in in an Yeah. area. So we're like, okay. Yeah. We'll just cut back on trauma for now Yes. and revisit it later on. But, like, Yes. yeah, obviously, the most smoking Makes thing it helped cheaper. me quite a lot. So Yeah. I'm like, oh, okay.","start_word":5787,"end_word":5974,"sentiment":"neutral","sentiment_score":0.027329206025782735},{"text":"Well Massive. So I I will get who was the guy you spoke to when we booked you in, I'll get him to forward you that email for Neos with the rebate so you have it for you.","start_word":5975,"end_word":6012,"sentiment":"positive","sentiment_score":0.3387564718723297},{"text":"So yeah. you can Sure. actually see see all of that. Now in the Yep. documents I did send you, you will have the new premium. If you forget, it's all in there. You can always call me if you're unsure. We'll Yeah. leave it It's for just now it's just if a anything.","start_word":6013,"end_word":6066,"sentiment":"neutral","sentiment_score":0.08213755488395691},{"text":"shame that the guy on the phone didn't say to Hayden, if you are smoke free for a year, this premium will have, and Yeah.","start_word":6067,"end_word":6091,"sentiment":"negative","sentiment_score":-0.4030896425247192},{"text":"then he could have second guessed it. Yes. Yes. And we'll we'll have a look. So when his premium does go down, I'll tell him to let me know as well if he wants to revisit it because then I can Yeah. kind of run through that with him and see, okay. What's what how much is it? Now sometimes it is more Well, he's expensive.","start_word":6092,"end_word":6157,"sentiment":"neutral","sentiment_score":-0.03779061138629913},{"text":"already canceled it.","start_word":6158,"end_word":6160,"sentiment":"negative","sentiment_score":-0.33736535906791687},{"text":"So Exactly. It would just be if he wants to really look at it. oh, okay. Yeah. He could just yeah. You guys can do the He numbers. can just call me, and I can run it, and then that gives him at least what's the premium. And then he can see whether it's worth it or not, Yeah. Yeah. what For he would sure. like to I'll do. check him Yeah. at home. I'll see how many I think he's only got a couple of months left to go on things Yeah. I do have a reminder here like for the team to to get in touch with him. I think when I spoke free. to him, he told me the the month. So we'll reach out So to him when it's gone that twelve months, and then we'll help him do it. yeah. Because sometimes it's easier than trying to go directly to the insurance, especially if they are a little bit tricky. So if there's ever anything you need for the insurance or super, just call me. It's easier Yeah. for Yeah. you. Well, that's why I sent the email requesting Yes. the appointment.","start_word":6161,"end_word":6357,"sentiment":"neutral","sentiment_score":0.04360593408393451},{"text":"Yes. Amazing. Well, I will let you go and enjoy the rest of your afternoon. I will get the team to forward you the refund.","start_word":6358,"end_word":6382,"sentiment":"positive","sentiment_score":0.5953018665313721},{"text":"I will also keep a lookout for for that record of advice just to show the change. Yeah. Sure. But if anything does change otherwise to your end or together or anything, just let me know, and we can always do a catch up whenever you guys want to. Yeah. Yeah. No dramas. I might speak to you in a couple of months about the private health insurance. Yes. We've just Yeah. got like I said, I've just got to see because there's no point I like, I know what his hourly rate is, but he it looks like he's going to be doing considerably amount of overtime. So I need to know So then what yes. what his weekly rate is gonna be and then times that by twelve. Exactly. Yeah. Once you have a bit more certainty on that jointly, and you can be on the phone together as well if you want to Oh, do that. perfect. We could, Yeah. yeah, we could do that. No worries. As I'll long reach as out that's for an appointment. Yeah.","start_word":6383,"end_word":6563,"sentiment":"neutral","sentiment_score":0.06463568657636642},{"text":"Beautiful.","start_word":6564,"end_word":6564,"sentiment":"positive","sentiment_score":0.4868271648883819},{"text":"You have my email. Otherwise, just give the office a call, and they'll book you in with me. Okay.","start_word":6565,"end_word":6583,"sentiment":"neutral","sentiment_score":0.2346428483724594},{"text":"Perfect.","start_word":6584,"end_word":6584,"sentiment":"positive","sentiment_score":0.40473753213882446},{"text":"No worries.","start_word":6585,"end_word":6586,"sentiment":"neutral","sentiment_score":0.25177910923957825},{"text":"Thanks for holding. No problem at all.","start_word":6587,"end_word":6593,"sentiment":"positive","sentiment_score":0.45583575963974},{"text":"I hope you enjoy the rest of your afternoon or days more I still so oh, I'm morning just coming. still.","start_word":6594,"end_word":6614,"sentiment":"neutral","sentiment_score":0.27217233180999756},{"text":"I've just I've just arrived in Byron Bay. So Oh, that's I'm beautiful.","start_word":6615,"end_word":6627,"sentiment":"positive","sentiment_score":0.6027158498764038},{"text":"down here for one delivery, and then I'm driving back to Brisbane.","start_word":6628,"end_word":6639,"sentiment":"neutral","sentiment_score":0.2059086114168167},{"text":"Oh, It's hopefully, a very traffic easy day.","start_word":6640,"end_word":6647,"sentiment":"positive","sentiment_score":0.42958560585975647},{"text":"traffic shouldn't be too bad by this time, It's hopefully. not too bad. It's just raining in New South Wales as usual. Yeah. No. It was raining here as well, but it's sunny now on in Southport. Oh, So maybe it's on hopefully its way down or it's way up yeah. or something. Yeah. Yeah. Hopefully.","start_word":6648,"end_word":6703,"sentiment":"neutral","sentiment_score":0.1092044934630394},{"text":"Well, have a safe drive, and I look forward I to shall.","start_word":6704,"end_word":6715,"sentiment":"positive","sentiment_score":0.4275432527065277},{"text":"speaking with you soon again.","start_word":6716,"end_word":6720,"sentiment":"neutral","sentiment_score":0.30801406502723694},{"text":"No worries. Thanks, Veronica. I appreciate that. No worries. Speak to you soon. Okay. Thank you. See you.","start_word":6721,"end_word":6738,"sentiment":"positive","sentiment_score":0.5157642960548401},{"text":"Bye. Bye.","start_word":6739,"end_word":6740,"sentiment":"neutral","sentiment_score":0.2521201968193054}],"average":{"sentiment":"neutral","sentiment_score":0.07520147391691483}}}}