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We've got the Gold Coast show day tomorrow, so weekend's about to start after tonight. What about you? Fair enough, mate. I've got you here for an annual review. Do you have a bit of time, Paul? On our new system, run through a few ideas I've got for the super there, and I've got a bit of a pack that I'm gonna email out to you as well. Cool. Now just before I jump into it, are you okay for the call to be recorded? Perfect. And just for the security of your info, I'm registered with Aptive as adviser one two seven three one zero five. Could I please confirm your date of birth and address? Yep. Sensational. Now with the email pack, will you get a look on top with me today, or should I just walk you through what I'm sending? Yep. No worries. And then I'll just leave it for you to have a look through tonight when you get a second, and then just pop a sign on there if you're happy with it. Amazing. Now anything in particular you want me to focus on for this review? Anything changed for you? So so just a bit of a general update considering the world's kind of exploding at the moment. Cool. So I'll just quickly start with the goals for a second. The main things that we were tracking over the years was basically just trying to build up the savings, pay off some credit card debt, do a bit of holiday, and then down the line, you were looking at purchasing a property and building stamp. Perfect. Now details wise, I can see that Altus is still putting the contributions in. So double guessing, you're still doing the traffic control at the month? Awesome. And we just hit end of financial year. We had you on 75,000 Yep. Cool. I can run with that. Just so I can make sure I've got the contributions right for the projections and everything like that. Beautiful. We've got you we're married to Hannah and no dependents at this point. Beautiful. Last thing is just in terms of assets and liabilities. You were doing some crypto investing. You had a boat, a vehicle, and a credit card. Perfect. I think we had a crypto at about a 140,000, which seems to be, like, your main, like, savings asset and vehicle at this point. Cool. Boat was about $5. Car was about $10.04 grand on the credit card. You don't have any sort of house deposit or anything put aside as well? Yeah. Just accelerating that a little bit. Beautiful. And last thing to double check is just in terms of estate planning. So I've got Hannah listed as your beneficiary for the. Did you end up getting, like, a will put in place or anything like that since we spoke last? No. That's okay. Cool. One thing I would like to update is the beneficiary on the life insurance with AIA seem to have possibly expired. And just double checking if you want me to add Hannah on to the life insurance the same as Uber. Cool. Now if it's easier for you, I can actually get that prefilled because since it's like a like a legal document, we you've gotta get a witness just by a couple of adults who are not the beneficiary. If you want, I can take down her date of birth, and I can add that to the form and get it all filled in for you if you like. Yeah. If you can. And just wondering if you guys both have the same surname. I'm assuming actually, no. I think she's got I'm having a look at the slipper there. Cool. Okay. So I might update the super one as well because it's under the maiden name at the moment. Alright. Perfect. The surname's the same. And do you have that date of birth handy? 10/23/1989. Perfect. Alrighty. And in terms of the nomination type, they do ask a couple of silly questions. So you can choose whether you want it to be legally binding or nonbinding. If it's nonbinding, the trustee has discretion on where that goes. Mostly, we just do legally binding. So, like, by court, they just to do it. Whatever you put down, they just have to do it straight away. Cool. And in terms of the time frame, you can have it as non Latin, so it doesn't expire, or you can actually have it expire every three years if you wanna sort of be forced to review it. Easy. So we just call that a standard, like, non Latin binding nomination, and I'll get those fixed on there as well. Beautiful. Let me just have a quick look at anything else there. And just in terms of the the hub, so I've had a bit of a deep dive on that one. Do you usually log in every now and then and keep an eye So have you seen what sort of been happening since March with the stock market and war in Iran and what happened there? Beautiful. Perfect. So, basically, what I wanted to do was just confirm in terms of the high growth risk profile, obviously, aim for the high long term return, 90% in growth assets like shares and property and gold. And once you've built up a million dollars and you're close to retirement, we can kind of protect it and reduce the risk when you're a bit older. Beautiful. So yeah. We did do a bit of silver a little while ago, but it kind of got just a tiny bit too volatile to have as a satellite asset. It was kind of messing with the investment a little bit, throwing it out of whack a little bit too quickly. So we tend to just do the gold at the moment. Similar like price trends, but yeah. I do a bit of gold and silver myself as well, but for those, you know, steady tankership retirement portfolios, we just try and get as consistent as possible. Especially with all of the the physical shortages at the moment and all the users in all the electronics, so it's it's definitely gonna be a good one. And I saw it kind of go from $30 up to a 170, and then it went back down and it started to go back up again. I think we're expecting all the metals to do pretty well by the end of the year. One thing I do need to fix up though is when I send you through that pack, you'll see all the different investment options on there. There's about eight of them. Now pretty much everybody's had some strong double digit return. I think your biggest one was definitely the gold, 20 4% there. Some of the international shares are double digits. Healthcare is going great. Couple of things that we're gonna fix up. So in the safe portion, you've got some defensive ones, which are kinda like term deposits, but they're very small percentages. Now one of them, the bank hybrids, the government's actually phasing that out over the next couple of years just as a type of deposit. So I'm just gonna switch that out kind of early, if that makes sense. One of the fund managers, Ben along, for the Australian shares, has kind of underperformed. Normally, I would just wait for it to bounce back up, but they've they've kind of shot off in the opposite direction of the market, and we don't believe they're gonna kind of bounce back back into the So what I'm thinking there, if you're comfortable with it, is I'm kind of looking for a bit more of a lower fee replacement option that's kinda gonna track that on the market a bit better. Cool. The only other one I was looking at was the India, was a bit more of a long term play. You know, like, as the manufacturing goes from China to India, the economics is gonna kind of play out macro wise, but it's they haven't done so well this year. That's all. Cool. So I'll update the portfolio. I'll keep it as high growth. I'm just gonna kind of give it an engine soon enough and fix up a couple of those options for you. Cool. So because what I was looking at was you had that solid, like, 33% for a few years there, high double digits for a growth fund. That that's fantastic. But then this year, it's kind of single digits at that dip, and it's just kind of been a bit middling at the moment. And I think my main thing is I'm just gonna make sure that whatever's in there is quality enough that so when the market does go up, you actually get those concern. Beautiful. Cool. We'll keep it going as strong as strong as hell. That hub platform itself, it's still got the most investment options in the industry, So it should have plenty in there for me to mix around in. I've just basically gotta do a bit of comparisons and update a document to go through with you, and then we can run through that in a couple of weeks. Beautiful. Outside of that, just in terms of contributions, work kind of did a bit of a a cluster of contributions recently. I can see about seven of them since the end of July. So I think maybe you can pull it up on some contributions they owe you possibly, unless they just switched it to they may have switched it to weekly, but I was seeing some on the July 20, twenty second, twenty seventh. And then again, as soon as August hit, they did a bunch. So I think maybe you were missing a couple for a couple of months. But that all seems to be fixed up. Do you want me to add in anything in terms of, like, salary sacrificing with super at the moment, or are you just focusing on, you know, building up crypto and the house deposit? Yep. But for now, just focus on the personal investment, and then when time comes, we can swing over to that side of things because it it's still gonna grow very, very well just with what work's putting in and the returns of the high growth. That'll catch up very quickly. Wait. Last couple of things that I wanted to run by you just in terms of the insurances. So I've added in the certificates for. We've got $250 worth of life and total disability insurance. Pretty, pretty cheap for you at the moment. It's due to your age. They've got a $639 a year coming out of the super. 15% rebate comes off of that. Now because you are gonna buy a house down the road, my main question basically is, is $2.50 okay to kind of maintain for when you do get that loan, or do you want me to look at increasing, decreasing, or any changes to those two? Alright. And so for the time being, I'll kind of keep it going. If I notice any major price issues, I'll flag it with you. But for now, we'll just wait until you get that home loan. So beautiful. Alrighty. The income protection there as well, so I'm just gonna quickly work that one back. We've got usually, it's 70% unless you've had it from before 2021. You had it in 2022. Cool. So 70% is the maximum. It's only really protecting you for about 50,000 worth of your income at the moment. It's about $3 a month that they'd pay you if you're out of work for more than thirty days. So as long as I can still cover your expenses and everything, just wanted to flag that. Cool. Alrighty. And no trauma insurance. But that's the one that you've got to get out of pocket for heart attack, stroke, and cancer. So you just got the other three. Beautiful. Just gonna have a look there. Any questions so far on what I'm thinking of for the pooper or the insurer? In terms of just savings, I know you are putting it into the crypto, but do you have, like, a set amount that you're sort of being able to put aside regularly that I can note down? Yeah. Weekly, monthly, whatever your budget off. Oh, sorry. Nice. Yeah. It's not good. Wait. Yep. So I think we had a year or two ago, you're doing better one fifty. So, again, just bumping up a little bit and alrighty. Outside of that, so in the pack, what's basically coming through to you besides those certificates and performance and whatnot, we've got an updated service guide for as well as a consent form for hub twenty four. Now in that service guide, we've changed our fee structure going forward. So what will tend to happen now is when we get you above 200,000, we're applying discounts between 200 and 500,000 and then more discounts after 500 to a year. What effect at the moment is the same 1.65% for the current agreement until you go above that. So I'll just leave that one as is. And the last one, just so you're aware before you sign anything when I send it to you, is a tax file number opt in form. That's basically just from the tax file number. It's obviously probably your most important number. And just for cybersecurity issues, we're trying to make sure we can, a, get your consent that we can still hold that number, and, b, we're just trying to keep it on a opt in form instead of holding in all the different digital systems where it can be hacked. Cool. Awesome. So I'll get that one sent out to you in a minute. I've got all your details updated. I'll go through, and we'll send you those beneficiary form prefilled. Do you want me to email them through so you can kind of print them off and get them signed, or would you prefer a postage with a return envelope? Yeah. Of course. No trouble at all. Alright. So I'll get that sent out snail mail. I'm not sure how long that takes these days, but any trouble when you get the form, just give us advice. And that's pretty much it. Michelle will probably give you a call in a couple of weeks just to book you in to run through the updated portfolio. And if there's anything else you need, you can let us know. Awesome, mate. Alright. Thank you so much for your time. If you can have a look at that email when you get a chance and get that sorted, I'd appreciate it, and then I'll go through the updated projections with you in a couple of weeks. Awesome, Michael. Have a great weekend, mate. Cheers. 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day, Michael. Tommy here from OQ Financial, senior adviser, mate. How are you doing? Hey. Living the dream.\n\nIt's beautiful and sunny. We've got the Gold Coast show day tomorrow, so weekend's about to start after tonight. What about you? Fair enough, mate. I've got you here for an annual review.\n\nDo you have a bit of time, Paul? On our new system, run through a few ideas I've got for the super there, and I've got a bit of a pack that I'm gonna email out to you as well. Cool. Now just before I jump into it, are you okay for the call to be recorded? Perfect.\n\nAnd just for the security of your info, I'm registered with Aptive as adviser one two seven three one zero five. Could I please confirm your date of birth and address? Yep. Sensational. Now with the email pack, will you get a look on top with me today, or should I just walk you through what I'm sending?\n\nYep. No worries. And then I'll just leave it for you to have a look through tonight when you get a second, and then just pop a sign on there if you're happy with it. Amazing. Now anything in particular you want me to focus on for this review?\n\nAnything changed for you? So so just a bit of a general update considering the world's kind of exploding at the moment. Cool. So I'll just quickly start with the goals for a second. The main things that we were tracking over the years was basically just trying to build up the savings, pay off some credit card debt, do a bit of holiday, and then down the line, you were looking at purchasing a property and building stamp.\n\nPerfect. Now details wise, I can see that Altus is still putting the contributions in. So double guessing, you're still doing the traffic control at the month? Awesome. And we just hit end of financial year.\n\nWe had you on 75,000 Yep. Cool. I can run with that. Just so I can make sure I've got the contributions right for the projections and everything like that. Beautiful.\n\nWe've got you we're married to Hannah and no dependents at this point. Beautiful. Last thing is just in terms of assets and liabilities. You were doing some crypto investing. You had a boat, a vehicle, and a credit card.\n\nPerfect. I think we had a crypto at about a 140,000, which seems to be, like, your main, like, savings asset and vehicle at this point. Cool. Boat was about $5. Car was about $10.04 grand on the credit card.\n\nYou don't have any sort of house deposit or anything put aside as well? Yeah. Just accelerating that a little bit. Beautiful. And last thing to double check is just in terms of estate planning.\n\nSo I've got Hannah listed as your beneficiary for the. Did you end up getting, like, a will put in place or anything like that since we spoke last? No. That's okay. Cool.\n\nOne thing I would like to update is the beneficiary on the life insurance with AIA seem to have possibly expired. And just double checking if you want me to add Hannah on to the life insurance the same as Uber. Cool. Now if it's easier for you, I can actually get that prefilled because since it's like a like a legal document, we you've gotta get a witness just by a couple of adults who are not the beneficiary. If you want, I can take down her date of birth, and I can add that to the form and get it all filled in for you if you like.\n\nYeah. If you can. And just wondering if you guys both have the same surname. I'm assuming actually, no. I think she's got I'm having a look at the slipper there.\n\nCool. Okay. So I might update the super one as well because it's under the maiden name at the moment. Alright. Perfect.\n\nThe surname's the same. And do you have that date of birth handy? 10/23/1989. Perfect. Alrighty.\n\nAnd in terms of the nomination type, they do ask a couple of silly questions. So you can choose whether you want it to be legally binding or nonbinding. If it's nonbinding, the trustee has discretion on where that goes. Mostly, we just do legally binding. So, like, by court, they just to do it.\n\nWhatever you put down, they just have to do it straight away. Cool. And in terms of the time frame, you can have it as non Latin, so it doesn't expire, or you can actually have it expire every three years if you wanna sort of be forced to review it. Easy. So we just call that a standard, like, non Latin binding nomination, and I'll get those fixed on there as well.\n\nBeautiful. Let me just have a quick look at anything else there. And just in terms of the the hub, so I've had a bit of a deep dive on that one. Do you usually log in every now and then and keep an eye So have you seen what sort of been happening since March with the stock market and war in Iran and what happened there? Beautiful.\n\nPerfect. So, basically, what I wanted to do was just confirm in terms of the high growth risk profile, obviously, aim for the high long term return, 90% in growth assets like shares and property and gold. And once you've built up a million dollars and you're close to retirement, we can kind of protect it and reduce the risk when you're a bit older. Beautiful. So yeah.\n\nWe did do a bit of silver a little while ago, but it kind of got just a tiny bit too volatile to have as a satellite asset. It was kind of messing with the investment a little bit, throwing it out of whack a little bit too quickly. So we tend to just do the gold at the moment. Similar like price trends, but yeah. I do a bit of gold and silver myself as well, but for those, you know, steady tankership retirement portfolios, we just try and get as consistent as possible.\n\nEspecially with all of the the physical shortages at the moment and all the users in all the electronics, so it's it's definitely gonna be a good one. And I saw it kind of go from $30 up to a 170, and then it went back down and it started to go back up again. I think we're expecting all the metals to do pretty well by the end of the year. One thing I do need to fix up though is when I send you through that pack, you'll see all the different investment options on there. There's about eight of them.\n\nNow pretty much everybody's had some strong double digit return. I think your biggest one was definitely the gold, 20 4% there. Some of the international shares are double digits. Healthcare is going great. Couple of things that we're gonna fix up.\n\nSo in the safe portion, you've got some defensive ones, which are kinda like term deposits, but they're very small percentages. Now one of them, the bank hybrids, the government's actually phasing that out over the next couple of years just as a type of deposit. So I'm just gonna switch that out kind of early, if that makes sense. One of the fund managers, Ben along, for the Australian shares, has kind of underperformed. Normally, I would just wait for it to bounce back up, but they've they've kind of shot off in the opposite direction of the market, and we don't believe they're gonna kind of bounce back back into the So what I'm thinking there, if you're comfortable with it, is I'm kind of looking for a bit more of a lower fee replacement option that's kinda gonna track that on the market a bit better.\n\nCool. The only other one I was looking at was the India, was a bit more of a long term play. You know, like, as the manufacturing goes from China to India, the economics is gonna kind of play out macro wise, but it's they haven't done so well this year. That's all. Cool.\n\nSo I'll update the portfolio. I'll keep it as high growth. I'm just gonna kind of give it an engine soon enough and fix up a couple of those options for you. Cool. So because what I was looking at was you had that solid, like, 33% for a few years there, high double digits for a growth fund.\n\nThat that's fantastic. But then this year, it's kind of single digits at that dip, and it's just kind of been a bit middling at the moment. And I think my main thing is I'm just gonna make sure that whatever's in there is quality enough that so when the market does go up, you actually get those concern. Beautiful. Cool.\n\nWe'll keep it going as strong as strong as hell. That hub platform itself, it's still got the most investment options in the industry, So it should have plenty in there for me to mix around in. I've just basically gotta do a bit of comparisons and update a document to go through with you, and then we can run through that in a couple of weeks. Beautiful. Outside of that, just in terms of contributions, work kind of did a bit of a a cluster of contributions recently.\n\nI can see about seven of them since the end of July. So I think maybe you can pull it up on some contributions they owe you possibly, unless they just switched it to they may have switched it to weekly, but I was seeing some on the July 20, twenty second, twenty seventh. And then again, as soon as August hit, they did a bunch. So I think maybe you were missing a couple for a couple of months. But that all seems to be fixed up.\n\nDo you want me to add in anything in terms of, like, salary sacrificing with super at the moment, or are you just focusing on, you know, building up crypto and the house deposit? Yep. But for now, just focus on the personal investment, and then when time comes, we can swing over to that side of things because it it's still gonna grow very, very well just with what work's putting in and the returns of the high growth. That'll catch up very quickly. Wait.\n\nLast couple of things that I wanted to run by you just in terms of the insurances. So I've added in the certificates for. We've got $250 worth of life and total disability insurance. Pretty, pretty cheap for you at the moment. It's due to your age.\n\nThey've got a $639 a year coming out of the super. 15% rebate comes off of that. Now because you are gonna buy a house down the road, my main question basically is, is $2.50 okay to kind of maintain for when you do get that loan, or do you want me to look at increasing, decreasing, or any changes to those two? Alright. And so for the time being, I'll kind of keep it going.\n\nIf I notice any major price issues, I'll flag it with you. But for now, we'll just wait until you get that home loan. So beautiful. Alrighty. The income protection there as well, so I'm just gonna quickly work that one back.\n\nWe've got usually, it's 70% unless you've had it from before 2021. You had it in 2022. Cool. So 70% is the maximum. It's only really protecting you for about 50,000 worth of your income at the moment.\n\nIt's about $3 a month that they'd pay you if you're out of work for more than thirty days. So as long as I can still cover your expenses and everything, just wanted to flag that. Cool. Alrighty. And no trauma insurance.\n\nBut that's the one that you've got to get out of pocket for heart attack, stroke, and cancer. So you just got the other three. Beautiful. Just gonna have a look there. Any questions so far on what I'm thinking of for the pooper or the insurer?\n\nIn terms of just savings, I know you are putting it into the crypto, but do you have, like, a set amount that you're sort of being able to put aside regularly that I can note down? Yeah. Weekly, monthly, whatever your budget off. Oh, sorry. Nice.\n\nYeah. It's not good. Wait. Yep. So I think we had a year or two ago, you're doing better one fifty.\n\nSo, again, just bumping up a little bit and alrighty. Outside of that, so in the pack, what's basically coming through to you besides those certificates and performance and whatnot, we've got an updated service guide for as well as a consent form for hub twenty four. Now in that service guide, we've changed our fee structure going forward. So what will tend to happen now is when we get you above 200,000, we're applying discounts between 200 and 500,000 and then more discounts after 500 to a year. What effect at the moment is the same 1.65% for the current agreement until you go above that.\n\nSo I'll just leave that one as is. And the last one, just so you're aware before you sign anything when I send it to you, is a tax file number opt in form. That's basically just from the tax file number. It's obviously probably your most important number. And just for cybersecurity issues, we're trying to make sure we can, a, get your consent that we can still hold that number, and, b, we're just trying to keep it on a opt in form instead of holding in all the different digital systems where it can be hacked.\n\nCool. Awesome. So I'll get that one sent out to you in a minute. I've got all your details updated. I'll go through, and we'll send you those beneficiary form prefilled.\n\nDo you want me to email them through so you can kind of print them off and get them signed, or would you prefer a postage with a return envelope? Yeah. Of course. No trouble at all. Alright.\n\nSo I'll get that sent out snail mail. I'm not sure how long that takes these days, but any trouble when you get the form, just give us advice. And that's pretty much it. Michelle will probably give you a call in a couple of weeks just to book you in to run through the updated portfolio. And if there's anything else you need, you can let us know.\n\nAwesome, mate. Alright. Thank you so much for your time. If you can have a look at that email when you get a chance and get that sorted, I'd appreciate it, and then I'll go through the updated projections with you in a couple of weeks. Awesome, Michael.\n\nHave a great weekend, mate. Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Good day, Michael.","start":2.3999999,"end":3.28,"sentiment":"positive","sentiment_score":0.41632269819577533},{"text":"Tommy here from OQ Financial, senior adviser, mate.","start":3.28,"end":6.08,"sentiment":"neutral","sentiment_score":0.22870521619915962},{"text":"How are you doing?","start":6.08,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.23118222877383232},{"text":"Hey.","start":8.72,"end":9.04,"sentiment":"positive","sentiment_score":0.4123883843421936},{"text":"Living the dream.","start":9.04,"end":9.76,"sentiment":"positive","sentiment_score":0.6099240978558859}],"sentiment":"neutral","sentiment_score":0.328710495641357,"num_words":19,"start":2.3999999,"end":9.76},{"sentences":[{"text":"It's beautiful and sunny.","start":9.76,"end":10.8,"sentiment":"positive","sentiment_score":0.7631404846906662},{"text":"We've got the Gold Coast show day tomorrow, so weekend's about to start after tonight.","start":10.8,"end":14.96,"sentiment":"positive","sentiment_score":0.4259119967619578},{"text":"What about you?","start":14.96,"end":15.675,"sentiment":"neutral","sentiment_score":0.17300592362880707},{"text":"Fair enough, mate.","start":24.635,"end":25.775,"sentiment":"neutral","sentiment_score":0.20856323341528574},{"text":"I've got you here for an annual review.","start":25.835,"end":27.755001,"sentiment":"neutral","sentiment_score":0.13710702024400234}],"sentiment":"positive","sentiment_score":0.3540244097962524,"num_words":33,"start":9.76,"end":27.755001},{"sentences":[{"text":"Do you have a bit of time, Paul?","start":27.755001,"end":29.295,"sentiment":"neutral","sentiment_score":0.049667018465697765},{"text":"On our new system, run through a few ideas I've got for the super there, and I've got a bit of a pack that I'm gonna email out to you as well.","start":34.85,"end":42.95,"sentiment":"neutral","sentiment_score":0.1675145027693361},{"text":"Cool.","start":44.61,"end":44.93,"sentiment":"neutral","sentiment_score":0.16906681656837463},{"text":"Now just before I jump into it, are you okay for the call to be recorded?","start":44.93,"end":48.715,"sentiment":"neutral","sentiment_score":0.04660640109796077},{"text":"Perfect.","start":50.934998,"end":51.434998,"sentiment":"neutral","sentiment_score":0.300594687461853}],"sentiment":"neutral","sentiment_score":0.12022696824037823,"num_words":58,"start":27.755001,"end":51.434998},{"sentences":[{"text":"And just for the security of your info, I'm registered with Aptive as adviser one two seven three one zero five.","start":51.975,"end":58.235,"sentiment":"neutral","sentiment_score":0.10753024830704644},{"text":"Could I please confirm your date of birth and address?","start":58.375,"end":61.23,"sentiment":"neutral","sentiment_score":0.05090371444821358},{"text":"Yep.","start":72.03,"end":72.53,"sentiment":"neutral","sentiment_score":0.10592144727706908},{"text":"Sensational.","start":72.59,"end":73.09,"sentiment":"neutral","sentiment_score":0.14727531373500824},{"text":"Now with the email pack, will you get a look on top with me today, or should I just walk you through what I'm sending?","start":73.725,"end":79.665,"sentiment":"neutral","sentiment_score":0.10687854364514351}],"sentiment":"neutral","sentiment_score":0.09814366743225476,"num_words":58,"start":51.975,"end":79.665},{"sentences":[{"text":"Yep.","start":85.085,"end":85.485,"sentiment":"neutral","sentiment_score":0.138096421957016},{"text":"No worries.","start":85.485,"end":85.885,"sentiment":"neutral","sentiment_score":0.18125683069229126},{"text":"And then I'll just leave it for you to have a look through tonight when you get a second, and then just pop a sign on there if you're happy with it.","start":85.885,"end":92.64,"sentiment":"neutral","sentiment_score":0.22487924108281732},{"text":"Amazing.","start":94.14,"end":94.64,"sentiment":"positive","sentiment_score":0.5590821504592896},{"text":"Now anything in particular you want me to focus on for this review?","start":94.939995,"end":98.06,"sentiment":"neutral","sentiment_score":0.16911123750301507}],"sentiment":"neutral","sentiment_score":0.21335253134673957,"num_words":49,"start":85.085,"end":98.06},{"sentences":[{"text":"Anything changed for you?","start":98.06,"end":99.52,"sentiment":"neutral","sentiment_score":0.01120020030066371},{"text":"So so just a bit of a general update considering the world's kind of exploding at the moment.","start":103.94501,"end":107.805,"sentiment":"neutral","sentiment_score":-0.19502117608984312},{"text":"Cool.","start":114.265,"end":114.505005,"sentiment":"positive","sentiment_score":0.3407422602176666},{"text":"So I'll just quickly start with the goals for a second.","start":114.505005,"end":117.165,"sentiment":"neutral","sentiment_score":0.20458216160874476},{"text":"The main things that we were tracking over the years was basically just trying to build up the savings, pay off some credit card debt, do a bit of holiday, and then down the line, you were looking at purchasing a property and building stamp.","start":117.88,"end":130.755,"sentiment":"neutral","sentiment_score":0.06878286194470194}],"sentiment":"neutral","sentiment_score":0.028111322240644616,"num_words":79,"start":98.06,"end":130.755},{"sentences":[{"text":"Perfect.","start":133.875,"end":134.375,"sentiment":"positive","sentiment_score":0.5654786825180054},{"text":"Now details wise, I can see that Altus is still putting the contributions in.","start":134.99501,"end":140.515,"sentiment":"neutral","sentiment_score":0.11592676916292735},{"text":"So double guessing, you're still doing the traffic control at the month?","start":140.515,"end":143.67,"sentiment":"neutral","sentiment_score":0.01878420930976669},{"text":"Awesome.","start":145.51,"end":146.01,"sentiment":"positive","sentiment_score":0.3865817189216614},{"text":"And we just hit end of financial year.","start":146.15,"end":148.89,"sentiment":"neutral","sentiment_score":0.1629941090941429}],"sentiment":"neutral","sentiment_score":0.11401107094974981,"num_words":36,"start":133.875,"end":148.89},{"sentences":[{"text":"We had you on 75,000 Yep.","start":149.03,"end":160.645,"sentiment":"neutral","sentiment_score":0.10362231358885765},{"text":"Cool.","start":160.645,"end":160.885,"sentiment":"positive","sentiment_score":0.4124644994735718},{"text":"I can run with that.","start":160.885,"end":161.685,"sentiment":"neutral","sentiment_score":0.32362602949142455},{"text":"Just so I can make sure I've got the contributions right for the projections and everything like that.","start":161.685,"end":167.385,"sentiment":"neutral","sentiment_score":0.1615097862150934},{"text":"Beautiful.","start":168.965,"end":169.465,"sentiment":"positive","sentiment_score":0.575160026550293}],"sentiment":"neutral","sentiment_score":0.1978924098995424,"num_words":31,"start":149.03,"end":169.465},{"sentences":[{"text":"We've got you we're married to Hannah and no dependents at this point.","start":170.25,"end":175.63,"sentiment":"neutral","sentiment_score":0.15028388970173323},{"text":"Beautiful.","start":177.45,"end":177.95,"sentiment":"neutral","sentiment_score":0.2993480861186981},{"text":"Last thing is just in terms of assets and liabilities.","start":178.33,"end":181.79001,"sentiment":"neutral","sentiment_score":0.02699042484164238},{"text":"You were doing some crypto investing.","start":182.61499,"end":184.39499,"sentiment":"neutral","sentiment_score":0.03203003015369177},{"text":"You had a boat, a vehicle, and a credit card.","start":185.09499,"end":187.83499,"sentiment":"neutral","sentiment_score":0.05922996662557125}],"sentiment":"neutral","sentiment_score":0.08268556869588792,"num_words":40,"start":170.25,"end":187.83499},{"sentences":[{"text":"Perfect.","start":189.575,"end":190.075,"sentiment":"neutral","sentiment_score":0.33155953884124756},{"text":"I think we had a crypto at about a 140,000, which seems to be, like, your main, like, savings asset and vehicle at this point.","start":190.295,"end":197.11499,"sentiment":"neutral","sentiment_score":0.1366194400191307},{"text":"Cool.","start":198.75,"end":199.25,"sentiment":"neutral","sentiment_score":0.21979033946990967},{"text":"Boat was about $5.","start":199.87,"end":201.33,"sentiment":"neutral","sentiment_score":0.13642708957195282},{"text":"Car was about $10.04 grand on the credit card.","start":201.47,"end":204.69,"sentiment":"neutral","sentiment_score":0.09730643116765553}],"sentiment":"neutral","sentiment_score":0.1347075529396534,"num_words":40,"start":189.575,"end":204.69},{"sentences":[{"text":"You don't have any sort of house deposit or anything put aside as well?","start":205.15,"end":208.45,"sentiment":"neutral","sentiment_score":-0.0034151247569492887},{"text":"Yeah.","start":213.875,"end":214.27501,"sentiment":"neutral","sentiment_score":0.05932742357254028},{"text":"Just accelerating that a little bit.","start":214.27501,"end":216.13501,"sentiment":"neutral","sentiment_score":0.07109248948593934},{"text":"Beautiful.","start":218.115,"end":218.615,"sentiment":"positive","sentiment_score":0.4422864317893982},{"text":"And last thing to double check is just in terms of estate planning.","start":219.07501,"end":222.375,"sentiment":"neutral","sentiment_score":0.05561872686331089}],"sentiment":"neutral","sentiment_score":0.0458114427115236,"num_words":35,"start":205.15,"end":222.375},{"sentences":[{"text":"So I've got Hannah listed as your beneficiary for the.","start":222.5,"end":225.8,"sentiment":"neutral","sentiment_score":0.05419398676604033},{"text":"Did you end up getting, like, a will put in place or anything like that since we spoke last?","start":227.86,"end":232.12,"sentiment":"neutral","sentiment_score":-0.008352277604372878},{"text":"No.","start":234.66,"end":234.9,"sentiment":"neutral","sentiment_score":-0.11570221185684204},{"text":"That's okay.","start":234.9,"end":235.64,"sentiment":"neutral","sentiment_score":-0.0873725675046444},{"text":"Cool.","start":237.7,"end":238.2,"sentiment":"neutral","sentiment_score":0.1680566668510437}],"sentiment":"neutral","sentiment_score":0.007904724641279741,"num_words":33,"start":222.5,"end":238.2},{"sentences":[{"text":"One thing I would like to update is the beneficiary on the life insurance with AIA seem to have possibly expired.","start":238.875,"end":246.815,"sentiment":"neutral","sentiment_score":0.013203448482922145},{"text":"And just double checking if you want me to add Hannah on to the life insurance the same as Uber.","start":247.035,"end":254.18001,"sentiment":"neutral","sentiment_score":0.03312344467267394},{"text":"Cool.","start":254.18001,"end":254.68001,"sentiment":"neutral","sentiment_score":0.011069058440625668},{"text":"Now if it's easier for you, I can actually get that prefilled because since it's like a like a legal document, we you've gotta get a witness just by a couple of adults who are not the beneficiary.","start":255.06,"end":266.59497,"sentiment":"neutral","sentiment_score":0.2184916037674013},{"text":"If you want, I can take down her date of birth, and I can add that to the form and get it all filled in for you if you like.","start":267.69498,"end":275.875,"sentiment":"neutral","sentiment_score":0.1731490083038807}],"sentiment":"neutral","sentiment_score":0.13134510511193764,"num_words":110,"start":238.875,"end":275.875},{"sentences":[{"text":"Yeah.","start":278.92,"end":279.16,"sentiment":"neutral","sentiment_score":0.05345050245523453},{"text":"If you can.","start":279.16,"end":279.96002,"sentiment":"neutral","sentiment_score":0.051508146027723946},{"text":"And just wondering if you guys both have the same surname.","start":279.96002,"end":283.80002,"sentiment":"neutral","sentiment_score":0.013577301732518456},{"text":"I'm assuming actually, no.","start":283.80002,"end":285.08002,"sentiment":"neutral","sentiment_score":0.00359900831244886},{"text":"I think she's got I'm having a look at the slipper there.","start":285.08002,"end":288.94,"sentiment":"neutral","sentiment_score":-0.0023378330382305044}],"sentiment":"neutral","sentiment_score":0.01108604181893996,"num_words":31,"start":278.92,"end":288.94},{"sentences":[{"text":"Cool.","start":290.775,"end":291.275,"sentiment":"positive","sentiment_score":0.3699699342250824},{"text":"Okay.","start":296.535,"end":297.035,"sentiment":"neutral","sentiment_score":0.1006152331829071},{"text":"So I might update the super one as well because it's under the maiden name at the moment.","start":297.175,"end":301.835,"sentiment":"neutral","sentiment_score":0.09428313933312893},{"text":"Alright.","start":304.455,"end":304.955,"sentiment":"neutral","sentiment_score":0.2734512686729431},{"text":"Perfect.","start":305.335,"end":305.835,"sentiment":"positive","sentiment_score":0.5337446928024292}],"sentiment":"neutral","sentiment_score":0.1352217107672583,"num_words":22,"start":290.775,"end":305.835},{"sentences":[{"text":"The surname's the same.","start":306.24,"end":307.2,"sentiment":"neutral","sentiment_score":0.23935477063059807},{"text":"And do you have that date of birth handy?","start":307.2,"end":308.98,"sentiment":"neutral","sentiment_score":0.0948726021581226},{"text":"10/23/1989.","start":315.6,"end":318.5,"sentiment":"neutral","sentiment_score":0.02736981213092804},{"text":"Perfect.","start":323.275,"end":323.675,"sentiment":"positive","sentiment_score":0.5140559077262878},{"text":"Alrighty.","start":323.675,"end":324.155,"sentiment":"positive","sentiment_score":0.33763769268989563}],"sentiment":"neutral","sentiment_score":0.16814599465578794,"num_words":16,"start":306.24,"end":324.155},{"sentences":[{"text":"And in terms of the nomination type, they do ask a couple of silly questions.","start":324.155,"end":328.41498,"sentiment":"neutral","sentiment_score":0.05990701963504155},{"text":"So you can choose whether you want it to be legally binding or nonbinding.","start":328.555,"end":333.27,"sentiment":"neutral","sentiment_score":0.0401733380609325},{"text":"If it's nonbinding, the trustee has discretion on where that goes.","start":334.05,"end":338.55,"sentiment":"neutral","sentiment_score":-0.0037758409638296475},{"text":"Mostly, we just do legally binding.","start":341.25,"end":342.85,"sentiment":"neutral","sentiment_score":0.05492273159325123},{"text":"So, like, by court, they just to do it.","start":342.85,"end":345.165,"sentiment":"neutral","sentiment_score":0.08505480653709835}],"sentiment":"neutral","sentiment_score":0.04571868045763536,"num_words":55,"start":324.155,"end":345.165},{"sentences":[{"text":"Whatever you put down, they just have to do it straight away.","start":345.325,"end":347.905,"sentiment":"neutral","sentiment_score":0.07902677357196808},{"text":"Cool.","start":351.165,"end":351.665,"sentiment":"positive","sentiment_score":0.4086041152477264},{"text":"And in terms of the time frame, you can have it as non Latin, so it doesn't expire, or you can actually have it expire every three years if you wanna sort of be forced to review it.","start":351.725,"end":361.19998,"sentiment":"neutral","sentiment_score":0.1915254971306575},{"text":"Easy.","start":365.1,"end":365.5,"sentiment":"positive","sentiment_score":0.3843780159950256},{"text":"So we just call that a standard, like, non Latin binding nomination, and I'll get those fixed on there as well.","start":365.5,"end":370.635,"sentiment":"neutral","sentiment_score":0.10171386351188023}],"sentiment":"neutral","sentiment_score":0.1528118279290526,"num_words":73,"start":345.325,"end":370.635},{"sentences":[{"text":"Beautiful.","start":372.715,"end":373.215,"sentiment":"positive","sentiment_score":0.6783838868141174},{"text":"Let me just have a quick look at anything else there.","start":374.95502,"end":377.61502,"sentiment":"neutral","sentiment_score":0.266887096772817},{"text":"And just in terms of the the hub, so I've had a bit of a deep dive on that one.","start":378.23502,"end":382.315,"sentiment":"neutral","sentiment_score":0.01608986142091453},{"text":"Do you usually log in every now and then and keep an eye So have you seen what sort of been happening since March with the stock market and war in Iran and what happened there?","start":382.315,"end":393.63,"sentiment":"neutral","sentiment_score":-0.016003751053681806},{"text":"Beautiful.","start":399.17502,"end":399.67502,"sentiment":"neutral","sentiment_score":0.10394911468029022}],"sentiment":"neutral","sentiment_score":0.05019932255769769,"num_words":69,"start":372.715,"end":399.67502},{"sentences":[{"text":"Perfect.","start":412.15,"end":412.47,"sentiment":"positive","sentiment_score":0.41276758909225464},{"text":"So, basically, what I wanted to do was just confirm in terms of the high growth risk profile, obviously, aim for the high long term return, 90% in growth assets like shares and property and gold.","start":412.47,"end":425.61,"sentiment":"neutral","sentiment_score":0.13575644004676077},{"text":"And once you've built up a million dollars and you're close to retirement, we can kind of protect it and reduce the risk when you're a bit older.","start":426.035,"end":433.495,"sentiment":"neutral","sentiment_score":0.12584676912852696},{"text":"Beautiful.","start":435.395,"end":435.895,"sentiment":"neutral","sentiment_score":0.3070008456707001},{"text":"So yeah.","start":435.955,"end":437.01498,"sentiment":"neutral","sentiment_score":0.019023613072931767}],"sentiment":"neutral","sentiment_score":0.13483466232633767,"num_words":68,"start":412.15,"end":437.01498},{"sentences":[{"text":"We did do a bit of silver a little while ago, but it kind of got just a tiny bit too volatile to have as a satellite asset.","start":446.05002,"end":454.075,"sentiment":"neutral","sentiment_score":-0.14817328099161386},{"text":"It was kind of messing with the investment a little bit, throwing it out of whack a little bit too quickly.","start":454.075,"end":458.73502,"sentiment":"neutral","sentiment_score":-0.23759030657155172},{"text":"So we tend to just do the gold at the moment.","start":459.11502,"end":462.33502,"sentiment":"neutral","sentiment_score":-0.0702940242534334},{"text":"Similar like price trends, but yeah.","start":462.795,"end":469.85,"sentiment":"neutral","sentiment_score":-0.08223599971582492},{"text":"I do a bit of gold and silver myself as well, but for those, you know, steady tankership retirement portfolios, we just try and get as consistent as possible.","start":469.85,"end":477.95,"sentiment":"neutral","sentiment_score":0.018230027615510184}],"sentiment":"neutral","sentiment_score":-0.1039602923157968,"num_words":95,"start":446.05002,"end":477.95},{"sentences":[{"text":"Especially with all of the the physical shortages at the moment and all the users in all the electronics, so it's it's definitely gonna be a good one.","start":492.25,"end":500.27002,"sentiment":"neutral","sentiment_score":-0.07307012432387897},{"text":"And I saw it kind of go from $30 up to a 170, and then it went back down and it started to go back up again.","start":502.65,"end":509.225,"sentiment":"neutral","sentiment_score":0.0709927581526615},{"text":"I think we're expecting all the metals to do pretty well by the end of the year.","start":509.225,"end":512.84503,"sentiment":"neutral","sentiment_score":0.2974830423207844},{"text":"One thing I do need to fix up though is when I send you through that pack, you'll see all the different investment options on there.","start":515.625,"end":522.57,"sentiment":"neutral","sentiment_score":0.005090956898549428},{"text":"There's about eight of them.","start":523.19,"end":524.81,"sentiment":"neutral","sentiment_score":0.030062151327729224}],"sentiment":"neutral","sentiment_score":0.05058959557774287,"num_words":103,"start":492.25,"end":524.81},{"sentences":[{"text":"Now pretty much everybody's had some strong double digit return.","start":526.39,"end":529.77,"sentiment":"positive","sentiment_score":0.3870648488402367},{"text":"I think your biggest one was definitely the gold, 20 4% there.","start":529.83,"end":535.125,"sentiment":"neutral","sentiment_score":0.2872959040105343},{"text":"Some of the international shares are double digits.","start":535.585,"end":537.905,"sentiment":"neutral","sentiment_score":0.1719968616962433},{"text":"Healthcare is going great.","start":537.905,"end":539.28503,"sentiment":"positive","sentiment_score":0.518883466720581},{"text":"Couple of things that we're gonna fix up.","start":540.625,"end":542.225,"sentiment":"neutral","sentiment_score":0.043669575126841664}],"sentiment":"neutral","sentiment_score":0.2647396356665662,"num_words":42,"start":526.39,"end":542.225},{"sentences":[{"text":"So in the safe portion, you've got some defensive ones, which are kinda like term deposits, but they're very small percentages.","start":542.225,"end":548.965,"sentiment":"neutral","sentiment_score":0.020769101057556413},{"text":"Now one of them, the bank hybrids, the government's actually phasing that out over the next couple of years just as a type of deposit.","start":550.4,"end":557.76,"sentiment":"neutral","sentiment_score":0.0074007466062903406},{"text":"So I'm just gonna switch that out kind of early, if that makes sense.","start":557.76,"end":562.035,"sentiment":"neutral","sentiment_score":0.006796169626925673},{"text":"One of the fund managers, Ben along, for the Australian shares, has kind of underperformed.","start":565.07495,"end":568.935,"sentiment":"neutral","sentiment_score":-0.07676623091101646},{"text":"Normally, I would just wait for it to bounce back up, but they've they've kind of shot off in the opposite direction of the market, and we don't believe they're gonna kind of bounce back back into the So what I'm thinking there, if you're comfortable with it, is I'm kind of looking for a bit more of a lower fee replacement option that's kinda gonna track that on the market a bit better.","start":569.795,"end":592.905,"sentiment":"neutral","sentiment_score":-0.04424376258031918}],"sentiment":"neutral","sentiment_score":-0.024894065318563516,"num_words":149,"start":542.225,"end":592.905},{"sentences":[{"text":"Cool.","start":594.905,"end":595.405,"sentiment":"positive","sentiment_score":0.37190312147140503},{"text":"The only other one I was looking at was the India, was a bit more of a long term play.","start":595.86505,"end":600.74506,"sentiment":"neutral","sentiment_score":0.032960189320147035},{"text":"You know, like, as the manufacturing goes from China to India, the economics is gonna kind of play out macro wise, but it's they haven't done so well this year.","start":600.74506,"end":610.05,"sentiment":"neutral","sentiment_score":-0.07126966013262669},{"text":"That's all.","start":610.05,"end":610.71,"sentiment":"neutral","sentiment_score":-0.15672840923070908},{"text":"Cool.","start":613.08997,"end":613.58997,"sentiment":"positive","sentiment_score":0.35886090993881226}],"sentiment":"neutral","sentiment_score":-0.01965886675235298,"num_words":54,"start":594.905,"end":613.58997},{"sentences":[{"text":"So I'll update the portfolio.","start":613.73,"end":615.33,"sentiment":"neutral","sentiment_score":0.18504177331924437},{"text":"I'll keep it as high growth.","start":615.33,"end":616.69,"sentiment":"neutral","sentiment_score":0.20836305618286133},{"text":"I'm just gonna kind of give it an engine soon enough and fix up a couple of those options for you.","start":616.69,"end":620.865,"sentiment":"neutral","sentiment_score":0.15510537404389607},{"text":"Cool.","start":623.105,"end":623.425,"sentiment":"positive","sentiment_score":0.4108160138130188},{"text":"So because what I was looking at was you had that solid, like, 33% for a few years there, high double digits for a growth fund.","start":623.425,"end":630.945,"sentiment":"neutral","sentiment_score":0.11210357813307872}],"sentiment":"neutral","sentiment_score":0.148442527184547,"num_words":59,"start":613.73,"end":630.945},{"sentences":[{"text":"That that's fantastic.","start":630.945,"end":632.005,"sentiment":"positive","sentiment_score":0.4592779775460561},{"text":"But then this year, it's kind of single digits at that dip, and it's just kind of been a bit middling at the moment.","start":633.105,"end":639.38,"sentiment":"neutral","sentiment_score":-0.2537902221083641},{"text":"And I think my main thing is I'm just gonna make sure that whatever's in there is quality enough that so when the market does go up, you actually get those concern.","start":651.865,"end":659.085,"sentiment":"neutral","sentiment_score":0.011045661878597457},{"text":"Beautiful.","start":661.945,"end":662.445,"sentiment":"positive","sentiment_score":0.35339537262916565},{"text":"Cool.","start":667.32,"end":667.82,"sentiment":"positive","sentiment_score":0.5283523797988892}],"sentiment":"neutral","sentiment_score":-0.05701512238392454,"num_words":61,"start":630.945,"end":667.82},{"sentences":[{"text":"We'll keep it going as strong as strong as hell.","start":668.04,"end":670.86,"sentiment":"positive","sentiment_score":0.43677946329116824},{"text":"That hub platform itself, it's still got the most investment options in the industry, So it should have plenty in there for me to mix around in.","start":671.24,"end":678.615,"sentiment":"neutral","sentiment_score":0.2668697613256949},{"text":"I've just basically gotta do a bit of comparisons and update a document to go through with you, and then we can run through that in a couple of weeks.","start":679.075,"end":686.695,"sentiment":"neutral","sentiment_score":0.1158502625922362},{"text":"Beautiful.","start":689.15497,"end":689.65497,"sentiment":"neutral","sentiment_score":0.3061628043651581},{"text":"Outside of that, just in terms of contributions, work kind of did a bit of a a cluster of contributions recently.","start":690.355,"end":697.16003,"sentiment":"neutral","sentiment_score":0.028672819691044942}],"sentiment":"neutral","sentiment_score":0.17929301218370372,"num_words":89,"start":668.04,"end":697.16003},{"sentences":[{"text":"I can see about seven of them since the end of July.","start":697.16003,"end":700.84,"sentiment":"neutral","sentiment_score":0.026481916041423876},{"text":"So I think maybe you can pull it up on some contributions they owe you possibly, unless they just switched it to they may have switched it to weekly, but I was seeing some on the July 20, twenty second, twenty seventh.","start":700.84,"end":713.54504,"sentiment":"neutral","sentiment_score":-0.005019741398947579},{"text":"And then again, as soon as August hit, they did a bunch.","start":713.92505,"end":716.405,"sentiment":"neutral","sentiment_score":-0.004111252725124359},{"text":"So I think maybe you were missing a couple for a couple of months.","start":716.405,"end":719.55,"sentiment":"neutral","sentiment_score":-0.21795223307396686},{"text":"But that all seems to be fixed up.","start":722.26996,"end":724.13,"sentiment":"neutral","sentiment_score":-0.059215374290943146}],"sentiment":"neutral","sentiment_score":-0.039402675412764605,"num_words":88,"start":697.16003,"end":724.13},{"sentences":[{"text":"Do you want me to add in anything in terms of, like, salary sacrificing with super at the moment, or are you just focusing on, you know, building up crypto and the house deposit?","start":724.35,"end":733.17,"sentiment":"neutral","sentiment_score":0.061236211646567375},{"text":"Yep.","start":747.905,"end":748.32,"sentiment":"neutral","sentiment_score":0.17020390927791595},{"text":"But for now, just focus on the personal investment, and then when time comes, we can swing over to that side of things because it it's still gonna grow very, very well just with what work's putting in and the returns of the high growth.","start":751.84,"end":765.045,"sentiment":"neutral","sentiment_score":0.322669183380074},{"text":"That'll catch up very quickly.","start":765.345,"end":766.965,"sentiment":"positive","sentiment_score":0.5799836039543151},{"text":"Wait.","start":770.065,"end":770.565,"sentiment":"neutral","sentiment_score":0.21094553172588348}],"sentiment":"neutral","sentiment_score":0.23120013847513948,"num_words":86,"start":724.35,"end":770.565},{"sentences":[{"text":"Last couple of things that I wanted to run by you just in terms of the insurances.","start":770.865,"end":774.40497,"sentiment":"neutral","sentiment_score":0.07342477844041936},{"text":"So I've added in the certificates for.","start":775.105,"end":777.605,"sentiment":"neutral","sentiment_score":0.10974638483354024},{"text":"We've got $250 worth of life and total disability insurance.","start":778.72003,"end":784.26,"sentiment":"neutral","sentiment_score":0.1397683322429657},{"text":"Pretty, pretty cheap for you at the moment.","start":786.0,"end":787.68,"sentiment":"positive","sentiment_score":0.4808500148355961},{"text":"It's due to your age.","start":787.68,"end":788.48,"sentiment":"neutral","sentiment_score":0.14321597814559936}],"sentiment":"neutral","sentiment_score":0.1697236012588156,"num_words":47,"start":770.865,"end":788.48},{"sentences":[{"text":"They've got a $639 a year coming out of the super.","start":788.48,"end":792.015,"sentiment":"neutral","sentiment_score":0.16504037447951056},{"text":"15% rebate comes off of that.","start":792.575,"end":794.835,"sentiment":"neutral","sentiment_score":0.1782593031724294},{"text":"Now because you are gonna buy a house down the road, my main question basically is, is $2.50 okay to kind of maintain for when you do get that loan, or do you want me to look at increasing, decreasing, or any changes to those two?","start":796.735,"end":810.18,"sentiment":"neutral","sentiment_score":0.042855607993576836},{"text":"Alright.","start":817.92,"end":818.24,"sentiment":"neutral","sentiment_score":0.2165315747261047},{"text":"And so for the time being, I'll kind of keep it going.","start":818.24,"end":820.74,"sentiment":"neutral","sentiment_score":0.22967715313037237}],"sentiment":"neutral","sentiment_score":0.10301335945137237,"num_words":76,"start":788.48,"end":820.74},{"sentences":[{"text":"If I notice any major price issues, I'll flag it with you.","start":821.02496,"end":824.545,"sentiment":"neutral","sentiment_score":-0.013933038339018822},{"text":"But for now, we'll just wait until you get that home loan.","start":824.545,"end":827.06494,"sentiment":"neutral","sentiment_score":0.06990925781428814},{"text":"So beautiful.","start":827.06494,"end":830.00494,"sentiment":"neutral","sentiment_score":0.1082866620272398},{"text":"Alrighty.","start":835.745,"end":836.245,"sentiment":"neutral","sentiment_score":0.2690286934375763},{"text":"The income protection there as well, so I'm just gonna quickly work that one back.","start":837.34,"end":841.2,"sentiment":"neutral","sentiment_score":0.1416001096367836}],"sentiment":"neutral","sentiment_score":0.07812662608921528,"num_words":42,"start":821.02496,"end":841.2},{"sentences":[{"text":"We've got usually, it's 70% unless you've had it from before 2021.","start":842.38,"end":847.10004,"sentiment":"neutral","sentiment_score":0.021816301431196432},{"text":"You had it in 2022.","start":847.10004,"end":848.62,"sentiment":"neutral","sentiment_score":0.011608384922146798},{"text":"Cool.","start":848.62,"end":849.045,"sentiment":"positive","sentiment_score":0.36115363240242},{"text":"So 70% is the maximum.","start":849.285,"end":851.46497,"sentiment":"neutral","sentiment_score":0.15001479685306549},{"text":"It's only really protecting you for about 50,000 worth of your income at the moment.","start":852.245,"end":856.485,"sentiment":"neutral","sentiment_score":0.17122385054826736}],"sentiment":"neutral","sentiment_score":0.10524797149149603,"num_words":38,"start":842.38,"end":856.485},{"sentences":[{"text":"It's about $3 a month that they'd pay you if you're out of work for more than thirty days.","start":856.485,"end":861.39,"sentiment":"neutral","sentiment_score":-0.047872708620209446},{"text":"So as long as I can still cover your expenses and everything, just wanted to flag that.","start":863.39,"end":868.37,"sentiment":"neutral","sentiment_score":0.019117654465577182},{"text":"Cool.","start":871.15,"end":871.63,"sentiment":"positive","sentiment_score":0.3571266531944275},{"text":"Alrighty.","start":871.63,"end":872.13,"sentiment":"neutral","sentiment_score":0.3008422255516052},{"text":"And no trauma insurance.","start":872.67004,"end":873.97003,"sentiment":"neutral","sentiment_score":0.05595425423234701}],"sentiment":"neutral","sentiment_score":0.007076298995386986,"num_words":42,"start":856.485,"end":873.97003},{"sentences":[{"text":"But that's the one that you've got to get out of pocket for heart attack, stroke, and cancer.","start":874.425,"end":877.885,"sentiment":"neutral","sentiment_score":-0.015135619478921095},{"text":"So you just got the other three.","start":878.265,"end":880.205,"sentiment":"neutral","sentiment_score":0.062245672302586694},{"text":"Beautiful.","start":882.745,"end":883.245,"sentiment":"positive","sentiment_score":0.5614122748374939},{"text":"Just gonna have a look there.","start":883.785,"end":884.825,"sentiment":"neutral","sentiment_score":0.30503953993320465},{"text":"Any questions so far on what I'm thinking of for the pooper or the insurer?","start":884.825,"end":888.445,"sentiment":"neutral","sentiment_score":-0.049063053478797275}],"sentiment":"neutral","sentiment_score":0.038701750377708295,"num_words":47,"start":874.425,"end":888.445},{"sentences":[{"text":"In terms of just savings, I know you are putting it into the crypto, but do you have, like, a set amount that you're sort of being able to put aside regularly that I can note down?","start":894.67,"end":903.23505,"sentiment":"neutral","sentiment_score":0.03842456321659926},{"text":"Yeah.","start":906.175,"end":906.675,"sentiment":"neutral","sentiment_score":0.03170572966337204},{"text":"Weekly, monthly, whatever your budget off.","start":906.73505,"end":908.91504,"sentiment":"neutral","sentiment_score":0.02341927324111263},{"text":"Oh, sorry.","start":912.255,"end":912.91504,"sentiment":"neutral","sentiment_score":-0.12643717229366302},{"text":"Nice.","start":912.97504,"end":913.47504,"sentiment":"neutral","sentiment_score":-0.04693163186311722}],"sentiment":"neutral","sentiment_score":0.02753455812071866,"num_words":47,"start":894.67,"end":913.47504},{"sentences":[{"text":"Yeah.","start":913.53503,"end":913.85504,"sentiment":"neutral","sentiment_score":-0.1462392956018448},{"text":"It's not good.","start":913.85504,"end":914.495,"sentiment":"negative","sentiment_score":-0.4860183397928874},{"text":"Wait.","start":914.495,"end":914.85,"sentiment":"neutral","sentiment_score":-0.22740373015403748},{"text":"Yep.","start":923.97,"end":924.47,"sentiment":"neutral","sentiment_score":0.05038853734731674},{"text":"So I think we had a year or two ago, you're doing better one fifty.","start":928.175,"end":931.375,"sentiment":"neutral","sentiment_score":0.13750527948141097}],"sentiment":"neutral","sentiment_score":0.013393794496854147,"num_words":21,"start":913.53503,"end":931.375},{"sentences":[{"text":"So, again, just bumping up a little bit and alrighty.","start":931.375,"end":936.995,"sentiment":"neutral","sentiment_score":0.08802987830713391},{"text":"Outside of that, so in the pack, what's basically coming through to you besides those certificates and performance and whatnot, we've got an updated service guide for as well as a consent form for hub twenty four.","start":938.33496,"end":951.14996,"sentiment":"neutral","sentiment_score":0.04839965489667815},{"text":"Now in that service guide, we've changed our fee structure going forward.","start":953.245,"end":957.405,"sentiment":"neutral","sentiment_score":0.03480163014804324},{"text":"So what will tend to happen now is when we get you above 200,000, we're applying discounts between 200 and 500,000 and then more discounts after 500 to a year.","start":957.405,"end":969.43,"sentiment":"neutral","sentiment_score":0.028420319656531016},{"text":"What effect at the moment is the same 1.65% for the current agreement until you go above that.","start":972.21,"end":978.05005,"sentiment":"neutral","sentiment_score":0.013190201690627469}],"sentiment":"neutral","sentiment_score":0.039053633608898825,"num_words":107,"start":931.375,"end":978.05005},{"sentences":[{"text":"So I'll just leave that one as is.","start":978.05005,"end":979.725,"sentiment":"neutral","sentiment_score":0.07376156281679869},{"text":"And the last one, just so you're aware before you sign anything when I send it to you, is a tax file number opt in form.","start":980.52496,"end":987.26495,"sentiment":"neutral","sentiment_score":0.02599562625758923},{"text":"That's basically just from the tax file number.","start":989.245,"end":993.185,"sentiment":"neutral","sentiment_score":0.003871374065056443},{"text":"It's obviously probably your most important number.","start":993.64,"end":996.45996,"sentiment":"neutral","sentiment_score":0.027067150654537336},{"text":"And just for cybersecurity issues, we're trying to make sure we can, a, get your consent that we can still hold that number, and, b, we're just trying to keep it on a opt in form instead of holding in all the different digital systems where it can be hacked.","start":996.83997,"end":1011.835,"sentiment":"neutral","sentiment_score":0.002282341942191124}],"sentiment":"neutral","sentiment_score":0.016167039691348268,"num_words":99,"start":978.05005,"end":1011.835},{"sentences":[{"text":"Cool.","start":1014.615,"end":1015.115,"sentiment":"positive","sentiment_score":0.6758062243461609},{"text":"Awesome.","start":1015.335,"end":1015.835,"sentiment":"positive","sentiment_score":0.6910868287086487},{"text":"So I'll get that one sent out to you in a minute.","start":1015.895,"end":1018.08,"sentiment":"neutral","sentiment_score":0.2952781319618225},{"text":"I've got all your details updated.","start":1018.56,"end":1020.34,"sentiment":"neutral","sentiment_score":0.19208981841802597},{"text":"I'll go through, and we'll send you those beneficiary form prefilled.","start":1020.8,"end":1024.66,"sentiment":"neutral","sentiment_score":0.18876866725358096}],"sentiment":"neutral","sentiment_score":0.262555641512717,"num_words":31,"start":1014.615,"end":1024.66},{"sentences":[{"text":"Do you want me to email them through so you can kind of print them off and get them signed, or would you prefer a postage with a return envelope?","start":1025.2001,"end":1034.415,"sentiment":"neutral","sentiment_score":0.07673063638309638},{"text":"Yeah.","start":1038.0751,"end":1038.3151,"sentiment":"neutral","sentiment_score":0.04676037281751633},{"text":"Of course.","start":1038.3151,"end":1038.975,"sentiment":"neutral","sentiment_score":0.04599628038704395},{"text":"No trouble at all.","start":1039.115,"end":1040.335,"sentiment":"neutral","sentiment_score":-0.004596628248691559},{"text":"Alright.","start":1042.475,"end":1042.975,"sentiment":"neutral","sentiment_score":0.15438884496688843}],"sentiment":"neutral","sentiment_score":0.06780721992254257,"num_words":38,"start":1025.2001,"end":1042.975},{"sentences":[{"text":"So I'll get that sent out snail mail.","start":1043.035,"end":1046.53,"sentiment":"neutral","sentiment_score":0.061600965447723866},{"text":"I'm not sure how long that takes these days, but any trouble when you get the form, just give us advice.","start":1046.53,"end":1051.59,"sentiment":"neutral","sentiment_score":-0.011824099435692742},{"text":"And that's pretty much it.","start":1054.77,"end":1056.05,"sentiment":"neutral","sentiment_score":0.12881799787282944},{"text":"Michelle will probably give you a call in a couple of weeks just to book you in to run through the updated portfolio.","start":1056.05,"end":1060.9501,"sentiment":"neutral","sentiment_score":0.16299058067733826},{"text":"And if there's anything else you need, you can let us know.","start":1061.985,"end":1064.485,"sentiment":"neutral","sentiment_score":0.19814698646465936}],"sentiment":"neutral","sentiment_score":0.10166867852103019,"num_words":69,"start":1043.035,"end":1064.485},{"sentences":[{"text":"Awesome, mate.","start":1067.425,"end":1068.405,"sentiment":"positive","sentiment_score":0.824397623538971},{"text":"Alright.","start":1068.865,"end":1069.185,"sentiment":"positive","sentiment_score":0.5684003829956055},{"text":"Thank you so much for your time.","start":1069.185,"end":1070.465,"sentiment":"positive","sentiment_score":0.7837994524410793},{"text":"If you can have a look at that email when you get a chance and get that sorted, I'd appreciate it, and then I'll go through the updated projections with you in a couple of weeks.","start":1070.465,"end":1079.9908,"sentiment":"neutral","sentiment_score":0.31614428593052757},{"text":"Awesome, Michael.","start":1083.3508,"end":1083.9908,"sentiment":"positive","sentiment_score":0.7850532233715057}],"sentiment":"positive","sentiment_score":0.43031442786256474,"num_words":48,"start":1067.425,"end":1083.9908},{"sentences":[{"text":"Have a great weekend, mate.","start":1083.9908,"end":1085.1108,"sentiment":"positive","sentiment_score":0.8068649768829346},{"text":"Cheers.","start":1085.1108,"end":1085.6108,"sentiment":"positive","sentiment_score":0.7221488356590271},{"text":"Bye.","start":1087.9908,"end":1088.4908,"sentiment":"neutral","sentiment_score":-0.09985560178756714}],"sentiment":"positive","sentiment_score":0.6652311597551618,"num_words":7,"start":1083.9908,"end":1088.4908}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Good, mate. Yourself? I'm nice. Beautiful. Yeah. Not too bad. Well, I'm pulling up home and yeah. Couldn't be better. Yep. Yep. Yep. Yep. Yep. Cool. Yes. 06/16/1984, and the address is 18 Cowrie Street, Koroy, Queensland 4563. If you can just walk me through it, that'd be easier. Yep. Yep. Yep. Not really. No. Yeah. Everything's pretty much the same as it has been. Yep. Yep. Yep. Yep. Yep. It was around the same. Yeah. Yep. Yep. Yep. No. Yep. Yep. Yep. Yep. Yep. That's more what the investment's in. It's all in that for now. Yep. Yep. I haven't yet. No. I am planning on that eventually. Yep. Okay. Yes. Yep. Yep. Yep. Yep. Okay. So you want Hannah's date of birth? Her her surname's changed now. So her surname's Ferorri as well now. Yep. Yeah. It's the 10/23/1989. Yep. Yep. Yep. Okay. Yep. Yep. Got legally binding. Just have it so it doesn't expire. Yep. Yep. Yes. Yeah. Yeah. I I understand. Like, I have the stock like, with all the help in the markets and everything works. So I've been in crypto for six years, so I understand that it goes up and down. War's affected. So I can yeah. Yeah. So it's all good. I understand all that side of things. Yep. Yep. Yep. Yep. Yep. Yep. One question about that. Like like, say you said it's invested in gold. Do you still in silver as well? Okay. Yeah. Okay. Well, that's something I'm I'm probably better off doing that on my end then. Yeah. Yeah. Yeah. Because, yeah, silver's gonna have a good long term growth. Like, gold is as well. But, yeah, silver's looking to have a massive long term growth. Very underpriced. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Okay. Yep. Yeah. That's fine. Yep. Yep. Okay. Yep. Okay. Yep. Beautiful. Yep. Yep. Yeah. Yep. Beautiful. Yep. Yeah. Yeah. It was all expected anyway. So I'm not I'm not gonna start yelling at you and ask you where's all my money going. I do understand the market. So yeah. Yeah. Yeah. Yeah. No. I've I've I've been pretty happy with these over the years. These have done good. So Yep. Yep. Beautiful. Yep. Yep. Okay. Okay. Okay. Yep. Yeah. Just like to sit on that for now because, yeah, the markets are gonna have a good turn in that soon too. And then, yeah, eventually, like, I plan to, like, put some money in super as well, like, invest more into the super, like, make contribution. And yeah. Yeah. Yeah. Yep. Yep. Yeah. Yep. Cool. Yep. Yep. Yep. Yep. Yep. Yep. When I'm ready, I'll yeah. I'll definitely look at increasing that. Yep. Yep. Yep. Yeah. When I'm ready and I've done all that, I'll let you know, and then, yeah, I'll get you to look into it then. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. No. That's all. No questions for now? Like, weekly? I'm doing yeah. Yeah. So I'm I'm doing, like, 200 a week at the moment. Yeah. It'll just, like it all depends really. Like, if I have big weeks at work, like, I'll put more as well. But, yeah, it's mainly just the average figure 200 a week. Yep. Yep. Yep. Yep. Yep. Yep. Okay. Yep. Yep. Yep. Yep. Sorry. What was that? Yep. Yeah. Yep. Yep. Yep. All good. Yep. Yep. Would you be able to post them? Yep. Beautiful. Yep. Well, dear. Thanks for your call. Yep. Yep. Not a drama. You too, mate. Thank you. 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Yeah. Good, mate. Yourself? I'm nice.\n\nBeautiful. Yeah. Not too bad. Well, I'm pulling up home and yeah. Couldn't be better.\n\nYep. Yep. Yep. Yep. Yep.\n\nCool. Yes. 06/16/1984, and the address is 18 Cowrie Street, Koroy, Queensland 4563. If you can just walk me through it, that'd be easier. Yep.\n\nYep. Yep. Not really. No. Yeah.\n\nEverything's pretty much the same as it has been. Yep. Yep. Yep. Yep.\n\nYep. It was around the same. Yeah. Yep. Yep.\n\nYep. No. Yep. Yep. Yep.\n\nYep. Yep. That's more what the investment's in. It's all in that for now. Yep.\n\nYep. I haven't yet. No. I am planning on that eventually. Yep.\n\nOkay. Yes. Yep. Yep. Yep.\n\nYep. Okay. So you want Hannah's date of birth? Her her surname's changed now. So her surname's Ferorri as well now.\n\nYep. Yeah. It's the 10/23/1989. Yep. Yep.\n\nYep. Okay. Yep. Yep. Got legally binding.\n\nJust have it so it doesn't expire. Yep. Yep. Yes. Yeah.\n\nYeah. I I understand. Like, I have the stock like, with all the help in the markets and everything works. So I've been in crypto for six years, so I understand that it goes up and down. War's affected.\n\nSo I can yeah. Yeah. So it's all good. I understand all that side of things. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nOne question about that. Like like, say you said it's invested in gold. Do you still in silver as well? Okay. Yeah.\n\nOkay. Well, that's something I'm I'm probably better off doing that on my end then. Yeah. Yeah. Yeah.\n\nBecause, yeah, silver's gonna have a good long term growth. Like, gold is as well. But, yeah, silver's looking to have a massive long term growth. Very underpriced. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Okay. Yep. Yeah. That's fine.\n\nYep. Yep. Okay. Yep. Okay.\n\nYep. Beautiful. Yep. Yep. Yeah.\n\nYep. Beautiful. Yep. Yeah. Yeah.\n\nIt was all expected anyway. So I'm not I'm not gonna start yelling at you and ask you where's all my money going. I do understand the market. So yeah. Yeah.\n\nYeah. Yeah. No. I've I've I've been pretty happy with these over the years. These have done good.\n\nSo Yep. Yep. Beautiful. Yep. Yep.\n\nOkay. Okay. Okay. Yep. Yeah.\n\nJust like to sit on that for now because, yeah, the markets are gonna have a good turn in that soon too. And then, yeah, eventually, like, I plan to, like, put some money in super as well, like, invest more into the super, like, make contribution. And yeah. Yeah. Yeah.\n\nYep. Yep. Yeah. Yep. Cool.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. When I'm ready, I'll yeah. I'll definitely look at increasing that. Yep. Yep.\n\nYep. Yeah. When I'm ready and I've done all that, I'll let you know, and then, yeah, I'll get you to look into it then. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. No. That's all.\n\nNo questions for now? Like, weekly? I'm doing yeah. Yeah. So I'm I'm doing, like, 200 a week at the moment.\n\nYeah. It'll just, like it all depends really. Like, if I have big weeks at work, like, I'll put more as well. But, yeah, it's mainly just the average figure 200 a week. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nOkay. Yep. Yep. Yep. Yep.\n\nSorry. What was that? Yep. Yeah. Yep.\n\nYep. Yep. All good. Yep. Yep.\n\nWould you be able to post them? Yep. Beautiful. Yep. Well, dear.\n\nThanks for your call. Yep. Yep. Not a drama. You too, mate.\n\nThank you. 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yeah.","start":750.97504,"end":751.635,"sentiment":"neutral","sentiment_score":0.10801341012120247},{"text":"Yeah.","start":759.215,"end":759.695,"sentiment":"neutral","sentiment_score":0.22978878021240232},{"text":"Yeah.","start":759.695,"end":760.195,"sentiment":"positive","sentiment_score":0.4254889488220215}],"sentiment":"neutral","sentiment_score":0.2564546633877006,"num_words":51,"start":734.83997,"end":760.195},{"sentences":[{"text":"Yep.","start":763.52,"end":764.02,"sentiment":"positive","sentiment_score":0.42937493324279785},{"text":"Yep.","start":765.27997,"end":765.77997,"sentiment":"positive","sentiment_score":0.4285580515861511},{"text":"Yeah.","start":767.91,"end":768.16,"sentiment":"positive","sentiment_score":0.3413051962852478},{"text":"Yep.","start":768.16,"end":768.48,"sentiment":"positive","sentiment_score":0.34131550788879395},{"text":"Cool.","start":768.48,"end":768.98,"sentiment":"positive","sentiment_score":0.4199208319187164}],"sentiment":"positive","sentiment_score":0.39209490418434145,"num_words":5,"start":763.52,"end":768.98},{"sentences":[{"text":"Yep.","start":775.14496,"end":775.64496,"sentiment":"neutral","sentiment_score":0.09533961862325668},{"text":"Yep.","start":783.625,"end":784.125,"sentiment":"neutral","sentiment_score":0.1065349504351616},{"text":"Yep.","start":784.90497,"end":785.40497,"sentiment":"neutral","sentiment_score":0.28470614552497864},{"text":"Yep.","start":791.43,"end":791.93,"sentiment":"neutral","sentiment_score":0.13813790678977966},{"text":"Yep.","start":792.39,"end":792.89,"sentiment":"neutral","sentiment_score":0.1531825065612793}],"sentiment":"neutral","sentiment_score":0.15558022558689116,"num_words":5,"start":775.14496,"end":792.89},{"sentences":[{"text":"Yep.","start":795.11,"end":795.61,"sentiment":"neutral","sentiment_score":0.13030707836151123},{"text":"When I'm ready, I'll yeah.","start":810.41504,"end":812.255,"sentiment":"neutral","sentiment_score":0.12561466544866562},{"text":"I'll definitely look at increasing that.","start":812.255,"end":814.35504,"sentiment":"neutral","sentiment_score":0.1924813985824585},{"text":"Yep.","start":821.22,"end":821.72,"sentiment":"neutral","sentiment_score":-0.00665288046002388},{"text":"Yep.","start":823.62,"end":824.12,"sentiment":"neutral","sentiment_score":0.002196309622377157}],"sentiment":"neutral","sentiment_score":0.13634373044728168,"num_words":14,"start":795.11,"end":824.12},{"sentences":[{"text":"Yep.","start":827.94,"end":828.33997,"sentiment":"neutral","sentiment_score":0.17380359768867493},{"text":"Yeah.","start":828.33997,"end":828.74,"sentiment":"neutral","sentiment_score":0.2099749743938446},{"text":"When I'm ready and I've done all that, I'll let you know, and then, yeah, I'll get you to look into it then.","start":828.74,"end":833.88,"sentiment":"neutral","sentiment_score":0.17898914995400803},{"text":"Yep.","start":841.575,"end":842.075,"sentiment":"neutral","sentiment_score":0.07803242653608322},{"text":"Yep.","start":849.255,"end":849.755,"sentiment":"neutral","sentiment_score":0.2351362407207489}],"sentiment":"neutral","sentiment_score":0.17828509956598282,"num_words":27,"start":827.94,"end":849.755},{"sentences":[{"text":"Yep.","start":856.82996,"end":857.32996,"sentiment":"neutral","sentiment_score":0.04076075553894043},{"text":"Yep.","start":858.26996,"end":858.76996,"sentiment":"neutral","sentiment_score":0.020320391282439232},{"text":"Yep.","start":859.38995,"end":859.88995,"sentiment":"neutral","sentiment_score":-0.033318422734737396},{"text":"Yep.","start":861.55,"end":861.70996,"sentiment":"neutral","sentiment_score":0.008652905002236366},{"text":"Yep.","start":861.70996,"end":862.20996,"sentiment":"neutral","sentiment_score":0.01575750857591629}],"sentiment":"neutral","sentiment_score":0.010434627532958984,"num_words":5,"start":856.82996,"end":862.20996},{"sentences":[{"text":"Yep.","start":869.205,"end":869.705,"sentiment":"neutral","sentiment_score":0.16184832155704498},{"text":"Yep.","start":878.085,"end":878.585,"sentiment":"neutral","sentiment_score":0.06850941479206085},{"text":"Yep.","start":880.565,"end":881.065,"sentiment":"neutral","sentiment_score":0.25847291946411133},{"text":"No.","start":889.66,"end":889.89996,"sentiment":"neutral","sentiment_score":-0.09654086083173752},{"text":"That's all.","start":889.89996,"end":890.72,"sentiment":"neutral","sentiment_score":-0.053787242621183395}],"sentiment":"neutral","sentiment_score":0.04745255162318548,"num_words":6,"start":869.205,"end":890.72},{"sentences":[{"text":"No questions for now?","start":890.86,"end":892.31995,"sentiment":"neutral","sentiment_score":-0.04810209106653929},{"text":"Like, weekly?","start":903.935,"end":904.755,"sentiment":"neutral","sentiment_score":0.024657723493874073},{"text":"I'm doing yeah.","start":906.175,"end":907.875,"sentiment":"neutral","sentiment_score":0.02873830373088519},{"text":"Yeah.","start":908.19995,"end":908.44,"sentiment":"neutral","sentiment_score":-0.00018354784697294235},{"text":"So I'm I'm doing, like, 200 a week at the moment.","start":908.44,"end":914.13995,"sentiment":"neutral","sentiment_score":-0.05237556536766616}],"sentiment":"neutral","sentiment_score":-0.03015203680843115,"num_words":21,"start":890.86,"end":914.13995},{"sentences":[{"text":"Yeah.","start":915.72,"end":916.04,"sentiment":"neutral","sentiment_score":-0.08646652102470398},{"text":"It'll just, like it all depends really.","start":916.04,"end":918.19995,"sentiment":"neutral","sentiment_score":-0.05948204068200929},{"text":"Like, if I have big weeks at work, like, I'll put more as well.","start":918.19995,"end":923.35504,"sentiment":"neutral","sentiment_score":-0.06775798462331295},{"text":"But, yeah, it's mainly just the average figure 200 a week.","start":923.35504,"end":926.895,"sentiment":"neutral","sentiment_score":0.035456657748330726},{"text":"Yep.","start":932.315,"end":932.815,"sentiment":"neutral","sentiment_score":0.07882668077945709}],"sentiment":"neutral","sentiment_score":-0.028900078662178096,"num_words":34,"start":915.72,"end":932.815},{"sentences":[{"text":"Yep.","start":934.075,"end":934.575,"sentiment":"neutral","sentiment_score":0.07914622873067856},{"text":"Yep.","start":947.67,"end":948.17,"sentiment":"neutral","sentiment_score":0.05462633818387985},{"text":"Yep.","start":951.40497,"end":951.90497,"sentiment":"neutral","sentiment_score":0.047565024346113205},{"text":"Yep.","start":959.565,"end":960.065,"sentiment":"neutral","sentiment_score":0.032593145966529846},{"text":"Yep.","start":962.605,"end":963.105,"sentiment":"neutral","sentiment_score":0.02497866563498974}],"sentiment":"neutral","sentiment_score":0.04778188057243824,"num_words":5,"start":934.075,"end":963.105},{"sentences":[{"text":"Okay.","start":964.39,"end":964.89,"sentiment":"neutral","sentiment_score":0.020900247618556023},{"text":"Yep.","start":966.47003,"end":966.97003,"sentiment":"neutral","sentiment_score":0.020154159516096115},{"text":"Yep.","start":969.75,"end":970.25,"sentiment":"neutral","sentiment_score":0.044493190944194794},{"text":"Yep.","start":978.315,"end":978.815,"sentiment":"neutral","sentiment_score":0.08073460310697556},{"text":"Yep.","start":984.555,"end":985.055,"sentiment":"neutral","sentiment_score":0.03334774076938629}],"sentiment":"neutral","sentiment_score":0.03992598839104176,"num_words":5,"start":964.39,"end":985.055},{"sentences":[{"text":"Sorry.","start":988.65,"end":989.05005,"sentiment":"neutral","sentiment_score":-0.0123477540910244},{"text":"What was that?","start":989.05005,"end":990.43005,"sentiment":"neutral","sentiment_score":-0.005372688795129458},{"text":"Yep.","start":996.65,"end":996.97003,"sentiment":"neutral","sentiment_score":0.027893926948308945},{"text":"Yeah.","start":996.97003,"end":997.47003,"sentiment":"neutral","sentiment_score":0.016946619376540184},{"text":"Yep.","start":1004.415,"end":1004.915,"sentiment":"neutral","sentiment_score":0.012565216980874538}],"sentiment":"neutral","sentiment_score":0.004134277547044414,"num_words":7,"start":988.65,"end":1004.915},{"sentences":[{"text":"Yep.","start":1011.935,"end":1012.435,"sentiment":"neutral","sentiment_score":0.07716487348079681},{"text":"Yep.","start":1012.895,"end":1013.135,"sentiment":"neutral","sentiment_score":0.15200668573379517},{"text":"All good.","start":1013.135,"end":1013.875,"sentiment":"positive","sentiment_score":0.4907682240009308},{"text":"Yep.","start":1018.575,"end":1019.01,"sentiment":"neutral","sentiment_score":0.17227491736412048},{"text":"Yep.","start":1025.17,"end":1025.67,"sentiment":"neutral","sentiment_score":0.1071375235915184}],"sentiment":"neutral","sentiment_score":0.24835340802868208,"num_words":6,"start":1011.935,"end":1025.67},{"sentences":[{"text":"Would you be able to post them?","start":1035.425,"end":1036.885,"sentiment":"neutral","sentiment_score":0.05361921499882426},{"text":"Yep.","start":1039.1849,"end":1039.6849,"sentiment":"neutral","sentiment_score":-0.018926970660686493},{"text":"Beautiful.","start":1041.505,"end":1042.005,"sentiment":"positive","sentiment_score":0.4302893877029419},{"text":"Yep.","start":1052.23,"end":1052.73,"sentiment":"neutral","sentiment_score":0.0818728506565094},{"text":"Well, dear.","start":1065.255,"end":1065.915,"sentiment":"positive","sentiment_score":0.45481711626052856}],"sentiment":"neutral","sentiment_score":0.14818366710096598,"num_words":12,"start":1035.425,"end":1065.915},{"sentences":[{"text":"Thanks for your call.","start":1066.6951,"end":1067.915,"sentiment":"positive","sentiment_score":0.787815660238266},{"text":"Yep.","start":1073.7351,"end":1074.2351,"sentiment":"neutral","sentiment_score":0.18873021006584167},{"text":"Yep.","start":1080.5099,"end":1080.99,"sentiment":"neutral","sentiment_score":0.17961376905441284},{"text":"Not a drama.","start":1080.99,"end":1081.8099,"sentiment":"neutral","sentiment_score":0.1407198185722033},{"text":"You too, mate.","start":1085.3899,"end":1086.11,"sentiment":"positive","sentiment_score":0.5603283246358236}],"sentiment":"positive","sentiment_score":0.46856258747478324,"num_words":12,"start":1066.6951,"end":1086.11},{"sentences":[{"text":"Thank you.","start":1086.11,"end":1086.85,"sentiment":"positive","sentiment_score":0.6991620361804962},{"text":"Bye.","start":1087.1499,"end":1087.6499,"sentiment":"positive","sentiment_score":0.3873692452907562}],"sentiment":"positive","sentiment_score":0.5952311058839163,"num_words":3,"start":1086.11,"end":1087.6499}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good day, Michael. Tommy here from OQ Financial, senior adviser, mate. How are you doing?\n\nChannel 1: Yeah. Good, mate. Yourself?\n\nChannel 0: Hey. Living the dream. It's beautiful and sunny. We've got the Gold Coast show day tomorrow, so weekend's\n\nChannel 1: I'm nice.\n\nChannel 0: about to start after tonight. What about you?\n\nChannel 1: Beautiful. Yeah. Not too bad. Well, I'm pulling up home and yeah. Couldn't be better.\n\nChannel 0: Fair enough, mate. I've got you here for an annual review. Do you have a bit of time, Paul?\n\nChannel 1: Yep. Yep.\n\nChannel 0: On our new system,\n\nChannel 1: Yep.\n\nChannel 0: run through a few ideas I've got for the super there, and\n\nChannel 1: Yep.\n\nChannel 0: I've got a bit of a pack that I'm gonna email out to you as well.\n\nChannel 1: Yep.\n\nChannel 0: Cool. Now just before I jump into it, are you okay for the call\n\nChannel 1: Cool.\n\nChannel 0: to be recorded?\n\nChannel 1: Yes.\n\nChannel 0: Perfect. And just for the security of your info, I'm registered with Aptive as adviser one two seven three one zero five. Could I please confirm your date of birth and address?\n\nChannel 1: 06/16/1984, and the address is 18 Cowrie Street, Koroy, Queensland 4563.\n\nChannel 0: Yep. Sensational. Now with the email pack, will you get a look on top with me today, or should I just walk you through what I'm sending?\n\nChannel 1: If you can just walk me through it, that'd be easier.\n\nChannel 0: Yep. No worries. And then I'll just leave it for you to have a look through tonight when\n\nChannel 1: Yep.\n\nChannel 0: you get a second,\n\nChannel 1: Yep.\n\nChannel 0: and then just pop a sign on there if you're happy with it.\n\nChannel 1: Yep.\n\nChannel 0: Amazing. Now anything in particular you want me to focus on for this review? Anything changed for you?\n\nChannel 1: Not really. No.\n\nChannel 0: So so just a bit of a general update considering the world's kind of exploding at the moment.\n\nChannel 1: Yeah. Everything's pretty much the same as it has been.\n\nChannel 0: Cool. So I'll just quickly start with the goals for a second. The main things that we were tracking over the years was basically just trying to build up the savings, pay off some credit card debt, do a bit of holiday,\n\nChannel 1: Yep.\n\nChannel 0: and then\n\nChannel 1: Yep.\n\nChannel 0: down the line, you were looking at purchasing a property and building stamp.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now details wise, I can see that Altus is still putting the contributions in. So\n\nChannel 1: Yep.\n\nChannel 0: double guessing, you're still doing the traffic control at the month?\n\nChannel 1: Yep.\n\nChannel 0: Awesome. And we just hit end of financial year. We had you on 75,000\n\nChannel 1: It was around the same. Yeah.\n\nChannel 0: Yep. Cool. I can run with that. Just so I can make sure I've got the contributions right for the\n\nChannel 1: Yep.\n\nChannel 0: projections and everything like that.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. We've got you we're married to Hannah and\n\nChannel 1: Yep.\n\nChannel 0: no dependents at this point.\n\nChannel 1: No.\n\nChannel 0: Beautiful. Last thing is just in terms of assets and liabilities. You were\n\nChannel 1: Yep.\n\nChannel 0: doing some crypto investing.\n\nChannel 1: Yep.\n\nChannel 0: You had a boat, a vehicle, and a credit card.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. I think we had a crypto at about a 140,000, which seems to be, like, your main, like, savings asset and vehicle at this point.\n\nChannel 1: Yep.\n\nChannel 0: Cool. Boat was about $5. Car was about $10.04 grand on the credit card. You don't have any sort of house deposit or anything put aside as well?\n\nChannel 1: Yep. That's more what the investment's in. It's all in that for now.\n\nChannel 0: Yeah. Just accelerating that a little bit.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. And last thing to double check is just in terms of estate planning. So I've got Hannah listed as your beneficiary for the.\n\nChannel 1: Yep.\n\nChannel 0: Did you end up getting, like, a will put in place or anything like that since we spoke last?\n\nChannel 1: I haven't yet. No. I am\n\nChannel 0: No. That's\n\nChannel 1: planning\n\nChannel 0: okay.\n\nChannel 1: on that eventually.\n\nChannel 0: Cool. One thing I would like to update is the beneficiary on the life insurance with AIA\n\nChannel 1: Yep.\n\nChannel 0: seem to have possibly expired. And just\n\nChannel 1: Okay.\n\nChannel 0: double checking if you want me to add Hannah on to the life insurance the same as\n\nChannel 1: Yes. Yep.\n\nChannel 0: Uber. Cool. Now if it's easier for you, I can actually get that prefilled because since it's like a like a legal document, we you've gotta get a witness just by a couple of adults\n\nChannel 1: Yep.\n\nChannel 0: who are not the beneficiary.\n\nChannel 1: Yep.\n\nChannel 0: If you want, I can take down her date of birth, and\n\nChannel 1: Yep.\n\nChannel 0: I can add that to the form and get it all filled in for you if you like.\n\nChannel 1: Okay. So you want Hannah's date of birth?\n\nChannel 0: Yeah. If you can. And just wondering if you guys both have the same surname. I'm assuming actually, no. I think she's got I'm having a look\n\nChannel 1: Her\n\nChannel 0: at the slipper\n\nChannel 1: her\n\nChannel 0: there.\n\nChannel 1: surname's changed now.\n\nChannel 0: Cool.\n\nChannel 1: So her surname's Ferorri as well now.\n\nChannel 0: Okay. So I might update the super one as well because it's under the maiden name at the moment.\n\nChannel 1: Yep.\n\nChannel 0: Alright. Perfect. The surname's the same. And do you have that date of birth handy?\n\nChannel 1: Yeah. It's the 10/23/1989.\n\nChannel 0: 10/23/1989.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Alrighty. And in terms of the nomination type, they do ask a couple of silly questions. So\n\nChannel 1: Yep.\n\nChannel 0: you can choose whether you want it to be legally binding or nonbinding.\n\nChannel 1: Yep.\n\nChannel 0: If it's nonbinding, the trustee has discretion on where that goes.\n\nChannel 1: Okay.\n\nChannel 0: Mostly, we just do legally binding. So, like, by court, they just to do it. Whatever\n\nChannel 1: Yep.\n\nChannel 0: you put down, they just have to do it straight away.\n\nChannel 1: Yep. Got legally binding.\n\nChannel 0: Cool. And in terms of the time frame, you can have it as non Latin, so it doesn't expire, or you can actually have it expire every three years if you wanna sort of be forced to review it.\n\nChannel 1: Just have it so it\n\nChannel 0: Easy. So we just\n\nChannel 1: doesn't\n\nChannel 0: call that a standard, like, non Latin\n\nChannel 1: expire.\n\nChannel 0: binding nomination, and I'll\n\nChannel 1: Yep.\n\nChannel 0: get those fixed on there as well.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Let me just have a quick look at anything else there. And just in terms of the the hub, so I've had a bit of a deep dive on that one. Do you usually log in every now and then and keep an eye\n\nChannel 1: Yes.\n\nChannel 0: So have you seen what sort of been happening since March with the stock market and war in\n\nChannel 1: Yeah.\n\nChannel 0: Iran\n\nChannel 1: Yeah.\n\nChannel 0: and what happened there?\n\nChannel 1: I I understand. Like, I have the stock like, with all the help in the markets and everything works. So I've been in crypto\n\nChannel 0: Beautiful.\n\nChannel 1: for six years, so I understand that it goes up and down. War's affected. So I can yeah. Yeah. So it's all good.\n\nI understand all that side of things.\n\nChannel 0: Perfect. So, basically, what I wanted to do was just confirm in terms of the high growth risk profile,\n\nChannel 1: Yep.\n\nChannel 0: obviously, aim for the high long term return,\n\nChannel 1: Yep.\n\nChannel 0: 90% in\n\nChannel 1: Yep.\n\nChannel 0: growth assets like shares and property and gold. And once you've built up a million dollars and you're close to retirement, we can kind of protect it and reduce the risk when you're\n\nChannel 1: Yep.\n\nChannel 0: a bit older.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Beautiful.\n\nChannel 1: One\n\nChannel 0: So\n\nChannel 1: question\n\nChannel 0: yeah.\n\nChannel 1: about that. Like like, say you said it's invested in gold. Do you still in silver as well?\n\nChannel 0: We did do a bit of silver a little while ago, but it kind of got just a tiny bit too volatile to have as a satellite asset. It was kind of messing with the investment a little bit,\n\nChannel 1: Okay.\n\nChannel 0: throwing it out of whack a little bit too quickly. So\n\nChannel 1: Yeah.\n\nChannel 0: we tend to just do the gold at the moment. Similar\n\nChannel 1: Okay. Well,\n\nChannel 0: like\n\nChannel 1: that's\n\nChannel 0: price\n\nChannel 1: something\n\nChannel 0: trends,\n\nChannel 1: I'm I'm\n\nChannel 0: but\n\nChannel 1: probably better off doing that on my end then.\n\nChannel 0: yeah. I do a bit of gold and silver myself as well, but for those, you know, steady tankership retirement portfolios, we\n\nChannel 1: Yeah.\n\nChannel 0: just try and\n\nChannel 1: Yeah.\n\nChannel 0: get as consistent as possible.\n\nChannel 1: Yeah. Because, yeah, silver's gonna have a good long term growth. Like, gold is as well. But, yeah, silver's looking to have a massive long term growth. Very underpriced.\n\nChannel 0: Especially with all of the the physical shortages at the moment and all the users\n\nChannel 1: Yeah.\n\nChannel 0: in all the electronics, so it's it's definitely gonna be a\n\nChannel 1: Yeah.\n\nChannel 0: good one. And I saw it kind of go from $30 up to a 170, and then it went back down and it started to go back up again. I think\n\nChannel 1: Yeah.\n\nChannel 0: we're expecting all the metals to do pretty well by the end of the year.\n\nChannel 1: Yeah.\n\nChannel 0: One\n\nChannel 1: Yeah.\n\nChannel 0: thing I do need to fix up though is\n\nChannel 1: Yep.\n\nChannel 0: when I send you through that pack, you'll see all the different investment options on there.\n\nChannel 1: Yep.\n\nChannel 0: There's about eight of them.\n\nChannel 1: Yep.\n\nChannel 0: Now pretty much everybody's had some strong double digit return. I think your biggest one was definitely the gold, 20\n\nChannel 1: Yep.\n\nChannel 0: 4% there. Some of the international shares are double digits. Healthcare is going great.\n\nChannel 1: Yep.\n\nChannel 0: Couple of things that we're gonna fix up. So in the safe portion, you've got some defensive ones, which are kinda like term deposits, but they're very small percentages.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Now one of them, the bank hybrids, the government's actually phasing that out over the next couple of years\n\nChannel 1: Okay.\n\nChannel 0: just as a type of deposit. So I'm just gonna switch that out kind of early, if that makes sense.\n\nChannel 1: Yep. Yeah. That's fine.\n\nChannel 0: One of the fund managers, Ben along, for the Australian shares, has kind of underperformed. Normally,\n\nChannel 1: Yep.\n\nChannel 0: I would just wait for it to bounce back up, but they've they've kind of shot off in the opposite direction of the market, and we don't believe they're gonna kind of bounce back back into the\n\nChannel 1: Yep. Okay.\n\nChannel 0: So what I'm thinking there, if you're comfortable with it, is I'm\n\nChannel 1: Yep.\n\nChannel 0: kind of looking for a bit more of a lower fee replacement option that's kinda\n\nChannel 1: Okay.\n\nChannel 0: gonna track that on the market a bit better.\n\nChannel 1: Yep.\n\nChannel 0: Cool.\n\nChannel 1: Beautiful.\n\nChannel 0: The only other one I was looking at was the India, was a bit more of a long term play. You know, like, as the manufacturing goes from China to India, the economics\n\nChannel 1: Yep.\n\nChannel 0: is gonna kind of play out macro wise, but\n\nChannel 1: Yep.\n\nChannel 0: it's they haven't done so well this year. That's all.\n\nChannel 1: Yeah.\n\nChannel 0: Cool. So I'll update the portfolio. I'll keep it as high growth. I'm just\n\nChannel 1: Yep.\n\nChannel 0: gonna kind of give it an engine soon enough and fix up a couple of those options for you.\n\nChannel 1: Beautiful.\n\nChannel 0: Cool. So because what I was looking at was you had that solid, like, 33% for a few\n\nChannel 1: Yep.\n\nChannel 0: years there, high double digits for a growth fund. That that's fantastic. But then this year, it's kind of single digits at that dip, and it's just kind of been a bit middling at the moment.\n\nChannel 1: Yeah. Yeah. It was all expected anyway. So I'm not I'm not gonna start yelling at you and ask you where's all my money going. I do understand the market.\n\nSo yeah.\n\nChannel 0: And I think my main thing is I'm just gonna make sure that whatever's in there is\n\nChannel 1: Yeah.\n\nChannel 0: quality enough that so when the market does go up, you actually get those concern.\n\nChannel 1: Yeah. Yeah. No.\n\nChannel 0: Beautiful.\n\nChannel 1: I've I've I've been pretty happy with these over the years. These have done good. So\n\nChannel 0: Cool. We'll keep it going as strong as strong as hell. That hub platform itself, it's still got the most investment options in the industry, So it should have plenty in there for me to mix around in.\n\nChannel 1: Yep. Yep.\n\nChannel 0: I've\n\nChannel 1: Beautiful.\n\nChannel 0: just basically gotta do a bit of comparisons and update a document to go through with you, and then\n\nChannel 1: Yep.\n\nChannel 0: we can run through that in a couple of weeks.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Outside of that, just in terms of contributions, work kind of did a bit of a a cluster of contributions recently. I can see about seven of them since the end of July. So I think maybe you can pull it up on some contributions they owe you possibly, unless\n\nChannel 1: Okay.\n\nChannel 0: they just switched it to they may have switched it to weekly, but I was seeing some on the July 20, twenty second, twenty seventh. And\n\nChannel 1: Okay.\n\nChannel 0: then again, as soon as August hit, they did a bunch. So I think maybe you were missing a couple for a couple of months.\n\nChannel 1: Okay.\n\nChannel 0: But that all seems to be fixed up.\n\nChannel 1: Yep.\n\nChannel 0: Do you want me to add in anything in terms of, like, salary sacrificing with super at the moment, or are you just focusing on, you know, building up crypto and the house deposit?\n\nChannel 1: Yeah. Just like to sit on that for now because, yeah, the markets are gonna have a good turn in that soon too. And then, yeah, eventually, like, I plan to, like, put some money in super as well, like, invest more into the super, like, make\n\nChannel 0: Yep.\n\nChannel 1: contribution. And yeah.\n\nChannel 0: But for now, just focus on the personal investment, and then when time comes, we can swing over to that side of things because it\n\nChannel 1: Yeah.\n\nChannel 0: it's still\n\nChannel 1: Yeah.\n\nChannel 0: gonna grow very, very well just with what work's putting in and the\n\nChannel 1: Yep.\n\nChannel 0: returns of the high growth.\n\nChannel 1: Yep.\n\nChannel 0: That'll catch up very quickly.\n\nChannel 1: Yeah. Yep. Cool.\n\nChannel 0: Wait. Last couple of things that I wanted to run by you just in terms of the insurances. So\n\nChannel 1: Yep.\n\nChannel 0: I've added in the certificates for. We've got $250 worth of life and total disability\n\nChannel 1: Yep.\n\nChannel 0: insurance.\n\nChannel 1: Yep.\n\nChannel 0: Pretty, pretty cheap for you at the moment. It's due to your age. They've got a $639 a year coming out of\n\nChannel 1: Yep.\n\nChannel 0: the super.\n\nChannel 1: Yep.\n\nChannel 0: 15% rebate comes off of that.\n\nChannel 1: Yep.\n\nChannel 0: Now because you are gonna buy a house down the road, my main question basically is, is $2.50 okay to kind of maintain for when you do get that loan, or do you want me to look at increasing, decreasing, or any changes to those two?\n\nChannel 1: When I'm ready, I'll yeah. I'll definitely look at increasing that.\n\nChannel 0: Alright. And so for the time being, I'll kind of keep it going. If I notice any\n\nChannel 1: Yep.\n\nChannel 0: major price issues, I'll\n\nChannel 1: Yep.\n\nChannel 0: flag it with you. But for now, we'll just wait until you get that home loan. So\n\nChannel 1: Yep. Yeah. When I'm ready\n\nChannel 0: beautiful.\n\nChannel 1: and I've done all that, I'll let you know, and then, yeah, I'll get you to look into it then.\n\nChannel 0: Alrighty. The income protection there as well, so I'm just gonna quickly work that one back.\n\nChannel 1: Yep.\n\nChannel 0: We've got usually, it's 70% unless you've had it from before 2021. You had it in 2022. Cool.\n\nChannel 1: Yep.\n\nChannel 0: So 70% is the maximum. It's only really protecting you for about 50,000 worth of your income at the moment. It's about\n\nChannel 1: Yep.\n\nChannel 0: $3 a month that they'd\n\nChannel 1: Yep.\n\nChannel 0: pay you if\n\nChannel 1: Yep.\n\nChannel 0: you're out of work for more than thirty days.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So as long as I can still cover your expenses and everything, just wanted to flag that.\n\nChannel 1: Yep.\n\nChannel 0: Cool. Alrighty. And no trauma insurance. But that's the one that you've got to get out of pocket for heart attack, stroke, and cancer.\n\nChannel 1: Yep.\n\nChannel 0: So you just got the other three.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Just gonna have a look there. Any questions so far on what I'm thinking of for the pooper or the insurer?\n\nChannel 1: No. That's all. No questions for now?\n\nChannel 0: In terms of just savings, I know you are putting it into the crypto, but do you have, like, a set amount that you're sort of being able to put aside regularly that I can note down?\n\nChannel 1: Like, weekly? I'm\n\nChannel 0: Yeah.\n\nChannel 1: doing\n\nChannel 0: Weekly, monthly,\n\nChannel 1: yeah.\n\nChannel 0: whatever your budget\n\nChannel 1: Yeah.\n\nChannel 0: off.\n\nChannel 1: So I'm I'm doing, like, 200 a week\n\nChannel 0: Oh, sorry. Nice.\n\nChannel 1: at\n\nChannel 0: Yeah.\n\nChannel 1: the moment.\n\nChannel 0: It's not good. Wait.\n\nChannel 1: Yeah. It'll just, like it all depends really. Like, if I have big weeks at work, like, I'll put more as well. But, yeah, it's\n\nChannel 0: Yep.\n\nChannel 1: mainly just the average figure 200 a week.\n\nChannel 0: So I think we had a year or two ago, you're doing better one fifty. So, again, just\n\nChannel 1: Yep.\n\nChannel 0: bumping up a little bit\n\nChannel 1: Yep.\n\nChannel 0: and alrighty. Outside of that, so in the pack, what's basically coming through to you besides those certificates and performance and whatnot, we've got an updated service guide for as\n\nChannel 1: Yep.\n\nChannel 0: well as a consent form for hub twenty four.\n\nChannel 1: Yep.\n\nChannel 0: Now in that service guide, we've changed our fee structure going forward. So what will tend to happen now is\n\nChannel 1: Yep.\n\nChannel 0: when we get you above 200,000, we're applying\n\nChannel 1: Yep.\n\nChannel 0: discounts between\n\nChannel 1: Okay.\n\nChannel 0: 200 and 500,000 and\n\nChannel 1: Yep.\n\nChannel 0: then more discounts after 500 to a year.\n\nChannel 1: Yep.\n\nChannel 0: What effect at the moment is the same 1.65% for the current agreement until you go above that. So I'll\n\nChannel 1: Yep.\n\nChannel 0: just leave that one as is. And the last one, just so you're aware before you sign anything when I send it to you,\n\nChannel 1: Yep.\n\nChannel 0: is a tax file number opt in form.\n\nChannel 1: Sorry. What\n\nChannel 0: That's basically\n\nChannel 1: was that?\n\nChannel 0: just from the tax file number. It's obviously probably your most important number.\n\nChannel 1: Yep.\n\nChannel 0: And\n\nChannel 1: Yeah.\n\nChannel 0: just for cybersecurity issues, we're trying to make sure we can, a, get your consent that we can still hold that number, and,\n\nChannel 1: Yep.\n\nChannel 0: b, we're just trying to keep it on a opt in form instead of holding in all the different digital systems where it can be hacked.\n\nChannel 1: Yep. Yep. All good.\n\nChannel 0: Cool. Awesome. So I'll get that one sent out to you in a minute. I've\n\nChannel 1: Yep.\n\nChannel 0: got all your details updated. I'll go through, and we'll send you those beneficiary form prefilled.\n\nChannel 1: Yep.\n\nChannel 0: Do you want me to email them through so you can kind of print them off and get them signed, or would you prefer a postage with a return envelope?\n\nChannel 1: Would you be able to post them?\n\nChannel 0: Yeah. Of course. No\n\nChannel 1: Yep.\n\nChannel 0: trouble at all.\n\nChannel 1: Beautiful.\n\nChannel 0: Alright. So I'll get that sent out snail mail. I'm not sure how long that takes these days, but any trouble when you get the form, just give us advice.\n\nChannel 1: Yep.\n\nChannel 0: And that's pretty much it. Michelle will probably give you a call in a couple of weeks just to book you in to run through the updated portfolio. And if there's anything else you need, you can let us know.\n\nChannel 1: Well, dear. Thanks for your call.\n\nChannel 0: Awesome, mate. Alright. Thank you so much for your time. If you can have a look at that email when you get a chance\n\nChannel 1: Yep.\n\nChannel 0: and get that sorted, I'd appreciate it, and then I'll go through the updated projections with you in a couple of weeks.\n\nChannel 1: Yep. Not a drama.\n\nChannel 0: Awesome, Michael. Have a great weekend, mate. Cheers.\n\nChannel 1: You too, mate. Thank you. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.0704345554113388}],"sentiment":"neutral","sentiment_score":0.0704345554113388,"channel":1,"num_words":1,"start":0.56,"end":1.06},{"sentences":[{"text":"Good day, Michael.","start":2.3999999,"end":3.28,"sentiment":"positive","sentiment_score":0.41632269819577533},{"text":"Tommy here from OQ Financial, senior adviser, mate.","start":3.28,"end":6.08,"sentiment":"neutral","sentiment_score":0.22870521619915962},{"text":"How are you doing?","start":6.08,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.23118222877383232}],"sentiment":"neutral","sentiment_score":0.26688924928506214,"channel":0,"num_words":15,"start":2.3999999,"end":6.8999996},{"sentences":[{"text":"Yeah.","start":6.96,"end":7.2,"sentiment":"neutral","sentiment_score":0.2931438684463501},{"text":"Good, mate.","start":7.2,"end":7.68,"sentiment":"positive","sentiment_score":0.4721657335758209},{"text":"Yourself?","start":7.68,"end":8.18,"sentiment":"neutral","sentiment_score":0.30594831705093384}],"sentiment":"positive","sentiment_score":0.38585591316223145,"channel":1,"num_words":4,"start":6.96,"end":8.18},{"sentences":[{"text":"Hey.","start":8.72,"end":9.04,"sentiment":"positive","sentiment_score":0.4123883843421936},{"text":"Living the dream.","start":9.04,"end":9.76,"sentiment":"positive","sentiment_score":0.6099240978558859},{"text":"It's beautiful and sunny.","start":9.76,"end":10.8,"sentiment":"positive","sentiment_score":0.7631404846906662},{"text":"We've got the Gold Coast show day tomorrow, so weekend's","start":10.8,"end":13.599999,"sentiment":"positive","sentiment_score":0.5156462162733078}],"sentiment":"positive","sentiment_score":0.5806213766336441,"channel":0,"num_words":18,"start":8.72,"end":13.599999},{"sentences":[{"text":"I'm nice.","start":13.36,"end":14.0199995,"sentiment":"positive","sentiment_score":0.6209554374217987}],"sentiment":"positive","sentiment_score":0.6209554374217987,"channel":1,"num_words":2,"start":13.36,"end":14.0199995},{"sentences":[{"text":"about to start after tonight.","start":13.599999,"end":14.96,"sentiment":"neutral","sentiment_score":0.2464435577392578},{"text":"What about you?","start":14.96,"end":15.675,"sentiment":"neutral","sentiment_score":0.17300592362880707}],"sentiment":"neutral","sentiment_score":0.21890444494783878,"channel":0,"num_words":8,"start":13.599999,"end":15.675},{"sentences":[{"text":"Beautiful.","start":16.115,"end":16.615,"sentiment":"positive","sentiment_score":0.606426477432251},{"text":"Yeah.","start":16.675,"end":16.915,"sentiment":"neutral","sentiment_score":0.3178917169570923},{"text":"Not too bad.","start":16.915,"end":17.815,"sentiment":"neutral","sentiment_score":0.2632814645767212},{"text":"Well, I'm pulling up home and yeah.","start":18.035,"end":21.735,"sentiment":"neutral","sentiment_score":0.12365931272506714},{"text":"Couldn't be better.","start":22.355,"end":23.335,"sentiment":"neutral","sentiment_score":0.1651835242907206}],"sentiment":"neutral","sentiment_score":0.2050218900044759,"channel":1,"num_words":15,"start":16.115,"end":23.335},{"sentences":[{"text":"Fair enough, mate.","start":24.635,"end":25.775,"sentiment":"neutral","sentiment_score":0.20856323341528574},{"text":"I've got you here for an annual review.","start":25.835,"end":27.755001,"sentiment":"neutral","sentiment_score":0.13710702024400234},{"text":"Do you have a bit of time, Paul?","start":27.755001,"end":29.295,"sentiment":"neutral","sentiment_score":0.049667018465697765}],"sentiment":"neutral","sentiment_score":0.11157273736439254,"channel":0,"num_words":19,"start":24.635,"end":29.295},{"sentences":[{"text":"Yep.","start":28.86,"end":29.36,"sentiment":"neutral","sentiment_score":0.07495702803134918},{"text":"Yep.","start":29.5,"end":30.0,"sentiment":"neutral","sentiment_score":0.07927468419075012}],"sentiment":"neutral","sentiment_score":0.07711585611104965,"channel":1,"num_words":2,"start":28.86,"end":30.0},{"sentences":[{"text":"On our new system,","start":34.85,"end":35.83,"sentiment":"neutral","sentiment_score":0.12045400962233543}],"sentiment":"neutral","sentiment_score":0.12045400962233543,"channel":0,"num_words":4,"start":34.85,"end":35.83},{"sentences":[{"text":"Yep.","start":36.3,"end":36.8,"sentiment":"neutral","sentiment_score":0.13768434524536133}],"sentiment":"neutral","sentiment_score":0.13768434524536133,"channel":1,"num_words":1,"start":36.3,"end":36.8},{"sentences":[{"text":"run through a few ideas I've got for the super there, and","start":36.53,"end":39.83,"sentiment":"neutral","sentiment_score":0.216473501175642}],"sentiment":"neutral","sentiment_score":0.216473501175642,"channel":0,"num_words":12,"start":36.53,"end":39.83},{"sentences":[{"text":"Yep.","start":39.58,"end":40.08,"sentiment":"neutral","sentiment_score":0.16163969039916992}],"sentiment":"neutral","sentiment_score":0.16163969039916992,"channel":1,"num_words":1,"start":39.58,"end":40.08},{"sentences":[{"text":"I've got a bit of a pack that I'm gonna email out to you as well.","start":39.97,"end":42.95,"sentiment":"neutral","sentiment_score":0.14256037725135684}],"sentiment":"neutral","sentiment_score":0.14256037725135684,"channel":0,"num_words":16,"start":39.97,"end":42.95},{"sentences":[{"text":"Yep.","start":43.235,"end":43.735,"sentiment":"neutral","sentiment_score":0.09612023830413818}],"sentiment":"neutral","sentiment_score":0.09612023830413818,"channel":1,"num_words":1,"start":43.235,"end":43.735},{"sentences":[{"text":"Cool.","start":44.61,"end":44.93,"sentiment":"neutral","sentiment_score":0.16906681656837463},{"text":"Now just before I jump into it, are you okay for the call","start":44.93,"end":47.975,"sentiment":"neutral","sentiment_score":0.048955708025739744}],"sentiment":"neutral","sentiment_score":0.057535072921642234,"channel":0,"num_words":14,"start":44.61,"end":47.975},{"sentences":[{"text":"Cool.","start":47.795002,"end":48.295002,"sentiment":"neutral","sentiment_score":0.05062536150217056}],"sentiment":"neutral","sentiment_score":0.05062536150217056,"channel":1,"num_words":1,"start":47.795002,"end":48.295002},{"sentences":[{"text":"to be recorded?","start":47.975,"end":48.715,"sentiment":"neutral","sentiment_score":0.03642607107758522}],"sentiment":"neutral","sentiment_score":0.03642607107758522,"channel":0,"num_words":3,"start":47.975,"end":48.715},{"sentences":[{"text":"Yes.","start":49.235,"end":49.735,"sentiment":"neutral","sentiment_score":0.1205202341079712}],"sentiment":"neutral","sentiment_score":0.1205202341079712,"channel":1,"num_words":1,"start":49.235,"end":49.735},{"sentences":[{"text":"Perfect.","start":50.934998,"end":51.434998,"sentiment":"neutral","sentiment_score":0.300594687461853},{"text":"And just for the security of your info, I'm registered with Aptive as adviser one two seven three one zero five.","start":51.975,"end":58.235,"sentiment":"neutral","sentiment_score":0.10753024830704644},{"text":"Could I please confirm your date of birth and address?","start":58.375,"end":61.23,"sentiment":"neutral","sentiment_score":0.05090371444821358}],"sentiment":"neutral","sentiment_score":0.09586772019974887,"channel":0,"num_words":32,"start":50.934998,"end":61.23},{"sentences":[{"text":"06/16/1984, and the address is 18 Cowrie Street, Koroy, Queensland 4563.","start":61.949997,"end":71.265,"sentiment":"neutral","sentiment_score":0.03124132388356057}],"sentiment":"neutral","sentiment_score":0.03124132388356057,"channel":1,"num_words":11,"start":61.949997,"end":71.265},{"sentences":[{"text":"Yep.","start":72.03,"end":72.53,"sentiment":"neutral","sentiment_score":0.10592144727706908},{"text":"Sensational.","start":72.59,"end":73.09,"sentiment":"neutral","sentiment_score":0.14727531373500824},{"text":"Now with the email pack, will you get a look on top with me today, or should I just walk you through what I'm sending?","start":73.725,"end":79.665,"sentiment":"neutral","sentiment_score":0.10687854364514351}],"sentiment":"neutral","sentiment_score":0.10833927230150611,"channel":0,"num_words":27,"start":72.03,"end":79.665},{"sentences":[{"text":"If you can just walk me through it, that'd be easier.","start":80.284996,"end":84.145,"sentiment":"neutral","sentiment_score":0.13365847820585425}],"sentiment":"neutral","sentiment_score":0.13365847820585425,"channel":1,"num_words":11,"start":80.284996,"end":84.145},{"sentences":[{"text":"Yep.","start":85.085,"end":85.485,"sentiment":"neutral","sentiment_score":0.138096421957016},{"text":"No worries.","start":85.485,"end":85.885,"sentiment":"neutral","sentiment_score":0.18125683069229126},{"text":"And then I'll just leave it for you to have a look through tonight when","start":85.885,"end":88.205,"sentiment":"neutral","sentiment_score":0.23591305017471315}],"sentiment":"neutral","sentiment_score":0.22440587977568308,"channel":0,"num_words":18,"start":85.085,"end":88.205},{"sentences":[{"text":"Yep.","start":88.02,"end":88.52,"sentiment":"neutral","sentiment_score":0.16177484393119812}],"sentiment":"neutral","sentiment_score":0.16177484393119812,"channel":1,"num_words":1,"start":88.02,"end":88.52},{"sentences":[{"text":"you get a second,","start":88.205,"end":89.1,"sentiment":"neutral","sentiment_score":0.1704961471259594}],"sentiment":"neutral","sentiment_score":0.1704961471259594,"channel":0,"num_words":4,"start":88.205,"end":89.1},{"sentences":[{"text":"Yep.","start":89.21999,"end":89.71999,"sentiment":"neutral","sentiment_score":0.1447271704673767}],"sentiment":"neutral","sentiment_score":0.1447271704673767,"channel":1,"num_words":1,"start":89.21999,"end":89.71999},{"sentences":[{"text":"and then just pop a sign on there if you're happy with it.","start":89.58,"end":92.64,"sentiment":"neutral","sentiment_score":0.2288811825788938}],"sentiment":"neutral","sentiment_score":0.2288811825788938,"channel":0,"num_words":13,"start":89.58,"end":92.64},{"sentences":[{"text":"Yep.","start":92.659996,"end":93.159996,"sentiment":"neutral","sentiment_score":0.28578996658325195}],"sentiment":"neutral","sentiment_score":0.28578996658325195,"channel":1,"num_words":1,"start":92.659996,"end":93.159996},{"sentences":[{"text":"Amazing.","start":94.14,"end":94.64,"sentiment":"positive","sentiment_score":0.5590821504592896},{"text":"Now anything in particular you want me to focus on for this review?","start":94.939995,"end":98.06,"sentiment":"neutral","sentiment_score":0.16911123750301507},{"text":"Anything changed for you?","start":98.06,"end":99.52,"sentiment":"neutral","sentiment_score":0.01120020030066371}],"sentiment":"neutral","sentiment_score":0.15568494662228557,"channel":0,"num_words":18,"start":94.14,"end":99.52},{"sentences":[{"text":"Not really.","start":101.475,"end":102.115,"sentiment":"neutral","sentiment_score":-0.18685511499643326},{"text":"No.","start":102.115,"end":102.615,"sentiment":"neutral","sentiment_score":-0.20169882476329803}],"sentiment":"neutral","sentiment_score":-0.19180301825205484,"channel":1,"num_words":3,"start":101.475,"end":102.615},{"sentences":[{"text":"So so just a bit of a general update considering the world's kind of exploding at the moment.","start":103.94501,"end":107.805,"sentiment":"neutral","sentiment_score":-0.19502117608984312}],"sentiment":"neutral","sentiment_score":-0.19502117608984312,"channel":0,"num_words":18,"start":103.94501,"end":107.805},{"sentences":[{"text":"Yeah.","start":108.195,"end":108.515,"sentiment":"neutral","sentiment_score":0.03820899501442909},{"text":"Everything's pretty much the same as it has been.","start":108.515,"end":111.174995,"sentiment":"neutral","sentiment_score":0.14790138767825234}],"sentiment":"neutral","sentiment_score":0.13693214841187,"channel":1,"num_words":10,"start":108.195,"end":111.174995},{"sentences":[{"text":"Cool.","start":114.265,"end":114.505005,"sentiment":"positive","sentiment_score":0.3407422602176666},{"text":"So I'll just quickly start with the goals for a second.","start":114.505005,"end":117.165,"sentiment":"neutral","sentiment_score":0.20458216160874476},{"text":"The main things that we were tracking over the years was basically just trying to build 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basically gotta do a bit of comparisons and update a document to go through with you, and then","start":679.39496,"end":684.115,"sentiment":"neutral","sentiment_score":0.1282893889828732}],"sentiment":"neutral","sentiment_score":0.1282893889828732,"channel":0,"num_words":19,"start":679.39496,"end":684.115},{"sentences":[{"text":"Yep.","start":683.9,"end":684.4,"sentiment":"neutral","sentiment_score":0.0794307217001915}],"sentiment":"neutral","sentiment_score":0.0794307217001915,"channel":1,"num_words":1,"start":683.9,"end":684.4},{"sentences":[{"text":"we can run through that in a couple of 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know.","start":1061.985,"end":1064.485,"sentiment":"neutral","sentiment_score":0.19814698646465936}],"sentiment":"neutral","sentiment_score":0.16926592956297098,"channel":0,"num_words":40,"start":1054.77,"end":1064.485},{"sentences":[{"text":"Well, dear.","start":1065.255,"end":1065.915,"sentiment":"positive","sentiment_score":0.45481711626052856},{"text":"Thanks for your call.","start":1066.6951,"end":1067.915,"sentiment":"positive","sentiment_score":0.787815660238266}],"sentiment":"positive","sentiment_score":0.6768161455790201,"channel":1,"num_words":6,"start":1065.255,"end":1067.915},{"sentences":[{"text":"Awesome, mate.","start":1067.425,"end":1068.405,"sentiment":"positive","sentiment_score":0.824397623538971},{"text":"Alright.","start":1068.865,"end":1069.185,"sentiment":"positive","sentiment_score":0.5684003829956055},{"text":"Thank you so much for your time.","start":1069.185,"end":1070.465,"sentiment":"positive","sentiment_score":0.7837994524410793},{"text":"If you can have a look at that email when you get a chance","start":1070.465,"end":1073.52,"sentiment":"neutral","sentiment_score":0.28868704182761057}],"sentiment":"positive","sentiment_score":0.48939209928115207,"channel":0,"num_words":24,"start":1067.425,"end":1073.52},{"sentences":[{"text":"Yep.","start":1073.7351,"end":1074.2351,"sentiment":"neutral","sentiment_score":0.18873021006584167}],"sentiment":"neutral","sentiment_score":0.18873021006584167,"channel":1,"num_words":1,"start":1073.7351,"end":1074.2351},{"sentences":[{"text":"and get that sorted, I'd appreciate it, and then I'll go through the updated projections with you in a couple of weeks.","start":1074.4,"end":1079.9908,"sentiment":"positive","sentiment_score":0.33361707763238385}],"sentiment":"positive","sentiment_score":0.33361707763238385,"channel":0,"num_words":22,"start":1074.4,"end":1079.9908},{"sentences":[{"text":"Yep.","start":1080.5099,"end":1080.99,"sentiment":"neutral","sentiment_score":0.17961376905441284},{"text":"Not a drama.","start":1080.99,"end":1081.8099,"sentiment":"neutral","sentiment_score":0.1407198185722033}],"sentiment":"neutral","sentiment_score":0.1504433061927557,"channel":1,"num_words":4,"start":1080.5099,"end":1081.8099},{"sentences":[{"text":"Awesome, Michael.","start":1083.3508,"end":1083.9908,"sentiment":"positive","sentiment_score":0.7850532233715057},{"text":"Have a great weekend, mate.","start":1083.9908,"end":1085.1108,"sentiment":"positive","sentiment_score":0.8068649768829346},{"text":"Cheers.","start":1085.1108,"end":1085.6108,"sentiment":"positive","sentiment_score":0.7221488356590271}],"sentiment":"positive","sentiment_score":0.7908225208520889,"channel":0,"num_words":8,"start":1083.3508,"end":1085.6108},{"sentences":[{"text":"You too, mate.","start":1085.3899,"end":1086.11,"sentiment":"positive","sentiment_score":0.5603283246358236},{"text":"Thank you.","start":1086.11,"end":1086.85,"sentiment":"positive","sentiment_score":0.6991620361804962},{"text":"Bye.","start":1087.1499,"end":1087.6499,"sentiment":"positive","sentiment_score":0.3873692452907562}],"sentiment":"positive","sentiment_score":0.5777797152598699,"channel":1,"num_words":6,"start":1085.3899,"end":1087.6499},{"sentences":[{"text":"Bye.","start":1087.9908,"end":1088.4908,"sentiment":"neutral","sentiment_score":-0.09985560178756714}],"sentiment":"neutral","sentiment_score":-0.09985560178756714,"channel":0,"num_words":1,"start":1087.9908,"end":1088.4908}]},"summary":{"result":"success","short":"Representatives from OQ Financial speak with Michael about his annual review and goals for the year. They update Michael on his credit card debt, assets, liabilities, and estate planning, as well as his beneficiary and beneficiary for life insurance. They confirm the beneficiary's information and update his surname and email address. The speakers also discuss Michael's high growth risk profile and high long term return, as well as his income protection and retirement plans. They update his portfolio and discuss his monthly income and fee structure, as well as his income protection and retirement plans. They also mention updating his service guide and sending a password reset form and consent form to his email."},"intents":{"segments":[{"text":"I've got you here for an annual review. Do you have a bit of time, Paul? Yep.","start_word":66,"end_word":82,"intents":[{"intent":"Start review","confidence_score":0.11945416}]},{"text":"On our new system, Yep. run through a few ideas I've got for the super there, and Yep. I've got a bit of a pack that I'm gonna email out to you as well. Yep. Cool.","start_word":84,"end_word":119,"intents":[{"intent":"Check system availability","confidence_score":0.00027595012}]},{"text":"Could I please confirm your date of birth and address?","start_word":160,"end_word":169,"intents":[{"intent":"Confirm identity","confidence_score":0.4481147}]},{"text":"And then I'll just leave it for you to have a look through tonight when Yep. you get a second, Yep. and then just pop a sign on there if you're happy with it. Yep.","start_word":222,"end_word":256,"intents":[{"intent":"Sign on","confidence_score":0.00012480664}]},{"text":"The main things that we were tracking over the years was basically just trying to build up the savings, pay off some credit card debt, do a bit of holiday, Yep. and then Yep. down the line, you were looking at purchasing a property and building stamp. Yep. Perfect. Now details wise, I can see that Altus is still putting the contributions in. So Yep.","start_word":319,"end_word":383,"intents":[{"intent":"Check contributions and investments","confidence_score":0.00007266643}]},{"text":"And last thing to double check is just in terms of estate planning. So I've got Hannah listed as your beneficiary for the. Yep.","start_word":565,"end_word":588,"intents":[{"intent":"Check estate planning","confidence_score":0.015980113}]},{"text":"Now if it's easier for you, I can actually get that prefilled because since it's like a like a legal document, we you've gotta get a witness just by a couple of adults Yep. who are not the beneficiary. Yep. If you want, I can take down her date of birth, and Yep. I can add that to the form and get it all filled in for you if you like. Okay.","start_word":669,"end_word":740,"intents":[{"intent":"Fill form","confidence_score":0.12938084}]},{"text":"surname's changed now. Cool. So her surname's Ferorri as well now. Okay. So I might update the super one as well because it's under the maiden name at the moment. Yep.","start_word":780,"end_word":810,"intents":[{"intent":"Update surname","confidence_score":0.7212506}]},{"text":"And in terms of the nomination type, they do ask a couple of silly questions. So Yep.","start_word":834,"end_word":850,"intents":[{"intent":"Ask questions","confidence_score":0.0724186},{"intent":"Review nomination type","confidence_score":0.25897375}]},{"text":"And in terms of the time frame, you can have it as non Latin, so it doesn't expire, or you can actually have it expire every three years if you wanna sort of be forced to review it.","start_word":910,"end_word":947,"intents":[{"intent":"Review expiration date","confidence_score":0.003847263}]},{"text":"And in terms of the time frame, you can have it as non Latin, so it doesn't expire, or you can actually have it expire every three years if you wanna sort of be forced to review it. Just have it so it Easy. So we just doesn't call that a standard, like, non Latin expire. binding nomination, and I'll Yep. get those fixed on there as well.","start_word":910,"end_word":977,"intents":[{"intent":"Fix restrictions","confidence_score":0.0004819836}]},{"text":"So have you seen what sort of been happening since March with the stock market and war in Yeah. Iran Yeah.","start_word":1025,"end_word":1045,"intents":[{"intent":"Check stock market and war","confidence_score":0.0058082216}]},{"text":"So, basically, what I wanted to do was just confirm in terms of the high growth risk profile, Yep. obviously, aim for the high long term return, Yep. 90% in Yep. growth assets like shares and property and gold. And once you've built up a million dollars and you're close to retirement, we can kind of protect it and reduce the risk when you're Yep.","start_word":1106,"end_word":1170,"intents":[{"intent":"Understand high return risk","confidence_score":0.00089870894},{"intent":"Understand asset value","confidence_score":0.000023624734}]},{"text":"Like like, say you said it's invested in gold. Do you still in silver as well?","start_word":1183,"end_word":1198,"intents":[{"intent":"Discuss investment portfolios","confidence_score":0.0008357415}]},{"text":"We did do a bit of silver a little while ago, but it kind of got just a tiny bit too volatile to have as a satellite asset.","start_word":1199,"end_word":1226,"intents":[{"intent":"Clarify volatility and volatility","confidence_score":0.00000735207}]},{"text":"thing I do need to fix up though is Yep. when I send you through that pack, you'll see all the different investment options on there. Yep.","start_word":1420,"end_word":1446,"intents":[{"intent":"Fix up","confidence_score":0.025893666},{"intent":"Check investment options","confidence_score":0.0017021379}]},{"text":"Healthcare is going great. Yep.","start_word":1484,"end_word":1488,"intents":[{"intent":"Improve healthcare and healthcare","confidence_score":0.0074621555}]},{"text":"Couple of things that we're gonna fix up. So in the safe portion, you've got some defensive ones, which are kinda like term deposits, but they're very small percentages. Yep.","start_word":1489,"end_word":1518,"intents":[{"intent":"Fix up term deposits","confidence_score":0.0010004396}]},{"text":"So in the safe portion, you've got some defensive ones, which are kinda like term deposits, but they're very small percentages. Yep. Yep. Now one of them, the bank hybrids, the government's actually phasing that out over the next couple of years Okay. just as a type of deposit. So I'm just gonna switch that out kind of early, if that makes sense. Yep.","start_word":1497,"end_word":1560,"intents":[{"intent":"Replace old term deposits","confidence_score":0.000026457397}]},{"text":"Now one of them, the bank hybrids, the government's actually phasing that out over the next couple of years Okay. just as a type of deposit. So I'm just gonna switch that out kind of early, if that makes sense. Yep.","start_word":1520,"end_word":1560,"intents":[{"intent":"Change deposit size","confidence_score":0.0007279256}]},{"text":"gonna track that on the market a bit better. Yep. Cool.","start_word":1649,"end_word":1659,"intents":[{"intent":"Track market","confidence_score":0.4240465},{"intent":"Track market","confidence_score":0.07692472}]},{"text":"The only other one I was looking at was the India, was a bit more of a long term play. You know, like, as the manufacturing goes from China to India, the economics Yep. is gonna kind of play out macro wise, but Yep.","start_word":1661,"end_word":1704,"intents":[{"intent":"Look at china to india","confidence_score":0.021513946},{"intent":"Explore economics","confidence_score":0.000797008}]},{"text":"So I'll update the portfolio. I'll keep it as high growth. I'm just Yep. gonna kind of give it an engine soon enough and fix up a couple of those options for you. Beautiful.","start_word":1717,"end_word":1750,"intents":[{"intent":"Update portfolio","confidence_score":0.89765257}]},{"text":"I do understand the market. So yeah. And I think my main thing is I'm just gonna make sure that whatever's in there is Yeah. quality enough that so when the market does go up, you actually get those concern. Yeah. Yeah.","start_word":1831,"end_word":1872,"intents":[{"intent":"Explain market","confidence_score":0.0012665514}]},{"text":"I've I've I've been pretty happy with these over the years. These have done good.","start_word":1875,"end_word":1889,"intents":[{"intent":"Show satisfaction","confidence_score":0.001238614}]},{"text":"I've Beautiful. just basically gotta do a bit of comparisons and update a document to go through with you, and then Yep. we can run through that in a couple of weeks. Yep.","start_word":1931,"end_word":1963,"intents":[{"intent":"Update document","confidence_score":0.12647085}]},{"text":"Outside of that, just in terms of contributions, work kind of did a bit of a a cluster of contributions recently. I can see about seven of them since the end of July. So I think maybe you can pull it up on some contributions they owe you possibly, unless Okay.","start_word":1965,"end_word":2015,"intents":[{"intent":"Discuss contributions","confidence_score":0.14643742}]},{"text":"Do you want me to add in anything in terms of, like, salary sacrificing with super at the moment, or are you just focusing on, you know, building up crypto and the house deposit? Yeah.","start_word":2078,"end_word":2112,"intents":[{"intent":"Add to salary sacrifice","confidence_score":0.11369608}]},{"text":"Just like to sit on that for now because, yeah, the markets are gonna have a good turn in that soon too. And then, yeah, eventually, like, I plan to, like, put some money in super as well, like, invest more into the super, like, make Yep. contribution. And yeah.","start_word":2113,"end_word":2162,"intents":[{"intent":"Discuss future plans","confidence_score":0.007041076}]},{"text":"Now because you are gonna buy a house down the road, my main question basically is, is $2.50 okay to kind of maintain for when you do get that loan, or do you want me to look at increasing, decreasing, or any changes to those two?","start_word":2291,"end_word":2336,"intents":[{"intent":"Inquire about future changes","confidence_score":0.00025359774},{"intent":"Look at increasing cost","confidence_score":0.0016483467}]},{"text":"And so for the time being, I'll kind of keep it going.","start_word":2349,"end_word":2360,"intents":[{"intent":"Continue adding","confidence_score":0.00019770705}]},{"text":"And so for the time being, I'll kind of keep it going. If I notice any Yep.","start_word":2349,"end_word":2365,"intents":[{"intent":"Continue running","confidence_score":0.011984574}]},{"text":"If I notice any Yep. major price issues, I'll Yep. flag it with you. But for now, we'll just wait until you get that home loan. So Yep. Yeah.","start_word":2361,"end_word":2389,"intents":[{"intent":"Monitor price issues","confidence_score":0.01204972}]},{"text":"and I've done all that, I'll let you know, and then, yeah, I'll get you to look into it then. Alrighty.","start_word":2395,"end_word":2415,"intents":[{"intent":"Look into income protection","confidence_score":0.00067078054}]},{"text":"So as long as I can still cover your expenses and everything, just wanted to flag that. Yep. Cool.","start_word":2494,"end_word":2512,"intents":[{"intent":"Flag expense","confidence_score":0.006452272}]},{"text":"Beautiful.","start_word":2545,"end_word":2545,"intents":[{"intent":"Express gratitude","confidence_score":0.025888328},{"intent":"Express gratitude","confidence_score":0.13254482}]},{"text":"Any questions so far on what I'm thinking of for the pooper or the insurer? No.","start_word":2552,"end_word":2567,"intents":[{"intent":"Invest in insurance","confidence_score":0.01024057}]},{"text":"No. That's all.","start_word":2567,"end_word":2569,"intents":[{"intent":"Confirm understanding","confidence_score":0.000030960815}]},{"text":"In terms of just savings, I know you are putting it into the crypto, but do you have, like, a set amount that you're sort of being able to put aside regularly that I can note down? Like, weekly?","start_word":2574,"end_word":2612,"intents":[{"intent":"Note monthly","confidence_score":0.06341483}]},{"text":"In terms of just savings, I know you are putting it into the crypto, but do you have, like, a set amount that you're sort of being able to put aside regularly that I can note down? Like, weekly? Yeah.","start_word":2574,"end_word":2613,"intents":[{"intent":"Invest in crypto","confidence_score":0.0179167},{"intent":"Offer savings","confidence_score":0.0007044176}]},{"text":"Outside of that, so in the pack, what's basically coming through to you besides those certificates and performance and whatnot, we've got an updated service guide for as Yep. well as a consent form for hub twenty four.","start_word":2705,"end_word":2742,"intents":[{"intent":"Update service guide","confidence_score":0.4395673}]},{"text":"when we get you above 200,000, we're applying Yep. discounts between Okay. 200 and 500,000 and Yep. then more discounts after 500 to a year. Yep.","start_word":2764,"end_word":2789,"intents":[{"intent":"Apply discounts","confidence_score":0.9229982},{"intent":"Apply discounts","confidence_score":0.20650849}]},{"text":"And the last one, just so you're aware before you sign anything when I send it to you, Yep. is a tax file number opt in form. Sorry.","start_word":2817,"end_word":2844,"intents":[{"intent":"Sign form","confidence_score":0.05250082}]},{"text":"So I'll get that one sent out to you in a minute. I've Yep. got all your details updated. I'll go through, and we'll send you those beneficiary form prefilled. Yep.","start_word":2922,"end_word":2952,"intents":[{"intent":"Send beneficiary form","confidence_score":0.47286174}]},{"text":"Michelle will probably give you a call in a couple of weeks just to book you in to run through the updated portfolio.","start_word":3035,"end_word":3057,"intents":[{"intent":"Request call back","confidence_score":0.00015357252}]}]},"sentiments":{"segments":[{"text":"Hello?","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.0704345554113388},{"text":"Good day, Michael.","start_word":1,"end_word":3,"sentiment":"positive","sentiment_score":0.4027804434299469},{"text":"Tommy here from OQ Financial, senior adviser, mate. How are you doing? Yeah.","start_word":4,"end_word":16,"sentiment":"neutral","sentiment_score":0.22975698113441467},{"text":"Good, mate.","start_word":17,"end_word":18,"sentiment":"positive","sentiment_score":0.460062175989151},{"text":"Yourself?","start_word":19,"end_word":19,"sentiment":"neutral","sentiment_score":0.30594831705093384},{"text":"Hey. Living the dream. It's beautiful and sunny. We've got the Gold Coast show day tomorrow, so weekend's I'm nice.","start_word":20,"end_word":39,"sentiment":"positive","sentiment_score":0.5952644348144531},{"text":"about to start after tonight. What about you?","start_word":40,"end_word":47,"sentiment":"neutral","sentiment_score":0.21989209949970245},{"text":"Beautiful.","start_word":48,"end_word":48,"sentiment":"positive","sentiment_score":0.606426477432251},{"text":"Yeah. Not too bad. Well, I'm pulling up home and yeah. Couldn't be better. Fair enough, mate. I've got you here for an annual review. Do you have a bit of time, Paul? Yep. Yep. On our new system, Yep. run through a few ideas I've got for the super there, and Yep. I've got a bit of a pack that I'm gonna email out to you as well. Yep. Cool. Now just before I jump into it, are you okay for the call Cool. to be recorded? Yes. Perfect. And just for the security of your info, I'm registered with Aptive as adviser one two seven three one zero five. Could I please confirm your date of birth and address? 06/16/1984, and the address is 18 Cowrie Street, Koroy, Queensland 4563. Yep. Sensational. Now with the email pack, will you get a look on top with me today, or should I just walk you through what I'm sending? If you can just walk me through it, that'd be easier. Yep. No worries. And then I'll just leave it for you to have a look through tonight when Yep. you get a second, Yep. and then just pop a sign on there if you're happy with it. Yep.","start_word":49,"end_word":256,"sentiment":"neutral","sentiment_score":0.1350049376487732},{"text":"Amazing.","start_word":257,"end_word":257,"sentiment":"positive","sentiment_score":0.5590821504592896},{"text":"Now anything in particular you want me to focus on for this review? Anything changed for you? Not really. No. So so just a bit of a general update considering the world's kind of exploding at the moment. Yeah. Everything's pretty much the same as it has been.","start_word":258,"end_word":305,"sentiment":"neutral","sentiment_score":-0.03173811361193657},{"text":"Cool.","start_word":306,"end_word":306,"sentiment":"positive","sentiment_score":0.3407422602176666},{"text":"So I'll just quickly start with the goals for a second. The main things that we were tracking over the years was basically just trying to build up the savings, pay off some credit card debt, do a bit of holiday, Yep. and then Yep. down the line, you were looking at purchasing a property and building stamp. Yep.","start_word":307,"end_word":365,"sentiment":"neutral","sentiment_score":0.10373834861537158},{"text":"Perfect.","start_word":366,"end_word":366,"sentiment":"positive","sentiment_score":0.5654786825180054},{"text":"Now details wise, I can see that Altus is still putting the contributions in. So Yep. double guessing, you're still doing the traffic control at the month? Yep.","start_word":367,"end_word":394,"sentiment":"neutral","sentiment_score":0.067156583070755},{"text":"Awesome.","start_word":395,"end_word":395,"sentiment":"positive","sentiment_score":0.3865817189216614},{"text":"And we just hit end of financial year. We had you on 75,000 It was around the same. Yeah. Yep.","start_word":396,"end_word":415,"sentiment":"neutral","sentiment_score":0.11734947562217712},{"text":"Cool.","start_word":416,"end_word":416,"sentiment":"positive","sentiment_score":0.4124644994735718},{"text":"I can run with that. Just so I can make sure I've got the contributions right for the Yep. projections and everything like that. Yep.","start_word":417,"end_word":441,"sentiment":"neutral","sentiment_score":0.19093479216098783},{"text":"Beautiful.","start_word":442,"end_word":442,"sentiment":"positive","sentiment_score":0.575160026550293},{"text":"We've got you we're married to Hannah and Yep. no dependents at this point. No. Beautiful. Last thing is just in terms of assets and liabilities. You were Yep. doing some crypto investing. Yep. You had a boat, a vehicle, and a credit card. Yep. Perfect. I think we had a crypto at about a 140,000, which seems to be, like, your main, like, savings asset and vehicle at this point. Yep. Cool. Boat was about $5. Car was about $10.04 grand on the credit card. You don't have any sort of house deposit or anything put aside as well? Yep. That's more what the investment's in. It's all in that for now. Yeah. Just accelerating that a little bit. Yep.","start_word":443,"end_word":563,"sentiment":"neutral","sentiment_score":0.10124994814395905},{"text":"Beautiful.","start_word":564,"end_word":564,"sentiment":"positive","sentiment_score":0.4422864317893982},{"text":"And last thing to double check is just in terms of estate planning. So I've got Hannah listed as your beneficiary for the. Yep. Did you end up getting, like, a will put in place or anything like that since we spoke last? I haven't yet. No. I am No. That's planning okay. on that eventually. Cool. One thing I would like to update is the beneficiary on the life insurance with AIA Yep. seem to have possibly expired. And just Okay. double checking if you want me to add Hannah on to the life insurance the same as Yes. Yep. Uber. Cool. Now if it's easier for you, I can actually get that prefilled because since it's like a like a legal document, we you've gotta get a witness just by a couple of adults Yep. who are not the beneficiary. Yep. If you want, I can take down her date of birth, and Yep. I can add that to the form and get it all filled in for you if you like. Okay. So you want Hannah's date of birth? Yeah. If you can. And just wondering if you guys both have the same surname. I'm assuming actually, no. I think she's got I'm having a look Her at the slipper her there. surname's changed now.","start_word":565,"end_word":782,"sentiment":"neutral","sentiment_score":0.0677329482544863},{"text":"Cool.","start_word":783,"end_word":783,"sentiment":"positive","sentiment_score":0.3699699342250824},{"text":"So her surname's Ferorri as well now. Okay. So I might update the super one as well because it's under the maiden name at the moment. Yep. Alright.","start_word":784,"end_word":811,"sentiment":"neutral","sentiment_score":0.14417922496795654},{"text":"Perfect.","start_word":812,"end_word":812,"sentiment":"positive","sentiment_score":0.5337446928024292},{"text":"The surname's the same. And do you have that date of birth handy? Yeah. It's the 10/23/1989. 10/23/1989. Yep.","start_word":813,"end_word":831,"sentiment":"neutral","sentiment_score":0.10289078950881958},{"text":"Perfect. Alrighty.","start_word":832,"end_word":833,"sentiment":"positive","sentiment_score":0.396443784236908},{"text":"And in terms of the nomination type, they do ask a couple of silly questions. So Yep. you can choose whether you want it to be legally binding or nonbinding. Yep. If it's nonbinding, the trustee has discretion on where that goes. Okay. Mostly, we just do legally binding. So, like, by court, they just to do it. Whatever Yep. you put down, they just have to do it straight away. Yep. Got legally binding.","start_word":834,"end_word":908,"sentiment":"neutral","sentiment_score":0.05866234377026558},{"text":"Cool.","start_word":909,"end_word":909,"sentiment":"positive","sentiment_score":0.4086041152477264},{"text":"And in terms of the time frame, you can have it as non Latin, so it doesn't expire, or you can actually have it expire every three years if you wanna sort of be forced to review it.","start_word":910,"end_word":947,"sentiment":"neutral","sentiment_score":0.1874309778213501},{"text":"Just have it so it Easy.","start_word":948,"end_word":953,"sentiment":"positive","sentiment_score":0.37496691942214966},{"text":"So we just doesn't call that a standard, like, non Latin expire. binding nomination, and I'll Yep. get those fixed on there as well. Yep.","start_word":954,"end_word":978,"sentiment":"neutral","sentiment_score":0.11163687705993652},{"text":"Beautiful.","start_word":979,"end_word":979,"sentiment":"positive","sentiment_score":0.6783838868141174},{"text":"Let me just have a quick look at anything else there. And just in terms of the the hub, so I've had a bit of a deep dive on that one. Do you usually log in every now and then and keep an eye Yes. So have you seen what sort of been happening since March with the stock market and war in Yeah. Iran Yeah. and what happened there? I I understand. Like, I have the stock like, with all the help in the markets and everything works. So I've been in crypto Beautiful. for six years, so I understand that it goes up and down. War's affected. So I can yeah. Yeah.","start_word":980,"end_word":1093,"sentiment":"neutral","sentiment_score":0.03430142439901829},{"text":"So it's all good.","start_word":1094,"end_word":1097,"sentiment":"positive","sentiment_score":0.36081257462501526},{"text":"I understand all that side of things.","start_word":1098,"end_word":1104,"sentiment":"neutral","sentiment_score":0.2544443607330322},{"text":"Perfect.","start_word":1105,"end_word":1105,"sentiment":"positive","sentiment_score":0.41276758909225464},{"text":"So, basically, what I wanted to do was just confirm in terms of the high growth risk profile, Yep. obviously, aim for the high long term return, Yep. 90% in Yep. growth assets like shares and property and gold. And once you've built up a million dollars and you're close to retirement, we can kind of protect it and reduce the risk when you're Yep. a bit older. Yep. Yep. Beautiful. One So question yeah. about that. Like like, say you said it's invested in gold. Do you still in silver as well? We did do a bit of silver a little while ago, but it kind of got just a tiny bit too volatile to have as a satellite asset. It was kind of messing with the investment a little bit, Okay. throwing it out of whack a little bit too quickly. So Yeah. we tend to just do the gold at the moment. Similar Okay. Well, like that's price something trends, I'm I'm but probably better off doing that on my end then. yeah. I do a bit of gold and silver myself as well, but for those, you know, steady tankership retirement portfolios, we Yeah. just try and Yeah. get as consistent as possible. Yeah. Because, yeah, silver's gonna have a good long term growth. Like, gold is as well. But, yeah, silver's looking to have a massive long term growth.","start_word":1106,"end_word":1339,"sentiment":"neutral","sentiment_score":-0.00466639269143343},{"text":"Very underpriced. Especially with all of the the physical shortages at the moment and all the users Yeah.","start_word":1340,"end_word":1357,"sentiment":"negative","sentiment_score":-0.4175250232219696},{"text":"in all the electronics, so it's it's definitely gonna be a Yeah.","start_word":1358,"end_word":1369,"sentiment":"neutral","sentiment_score":0.2479209452867508},{"text":"good one.","start_word":1370,"end_word":1371,"sentiment":"positive","sentiment_score":0.5985609292984009},{"text":"And I saw it kind of go from $30 up to a 170, and then it went back down and it started to go back up again. I think Yeah. we're expecting all the metals to do pretty well by the end of the year. Yeah. One Yeah. thing I do need to fix up though is Yep. when I send you through that pack, you'll see all the different investment options on there. Yep. There's about eight of them. Yep.","start_word":1372,"end_word":1452,"sentiment":"neutral","sentiment_score":0.09321630746126176},{"text":"Now pretty much everybody's had some strong double digit return.","start_word":1453,"end_word":1462,"sentiment":"positive","sentiment_score":0.3993748426437378},{"text":"I think your biggest one was definitely the gold, 20 Yep. 4% there. Some of the international shares are double digits.","start_word":1463,"end_word":1483,"sentiment":"neutral","sentiment_score":0.22477176785469055},{"text":"Healthcare is going great.","start_word":1484,"end_word":1487,"sentiment":"positive","sentiment_score":0.521325945854187},{"text":"Yep. Couple of things that we're gonna fix up. So in the safe portion, you've got some defensive ones, which are kinda like term deposits, but they're very small percentages. Yep. Yep. Now one of them, the bank hybrids, the government's actually phasing that out over the next couple of years Okay. just as a type of deposit. So I'm just gonna switch that out kind of early, if that makes sense. Yep. Yeah. That's fine. One of the fund managers, Ben along, for the Australian shares, has kind of underperformed. Normally, Yep. I would just wait for it to bounce back up, but they've they've kind of shot off in the opposite direction of the market, and we don't believe they're gonna kind of bounce back back into the Yep. Okay. So what I'm thinking there, if you're comfortable with it, is I'm Yep. kind of looking for a bit more of a lower fee replacement option that's kinda Okay. gonna track that on the market a bit better. Yep.","start_word":1488,"end_word":1658,"sentiment":"neutral","sentiment_score":-0.01117150392383337},{"text":"Cool. Beautiful.","start_word":1659,"end_word":1660,"sentiment":"positive","sentiment_score":0.3938213884830475},{"text":"The only other one I was looking at was the India, was a bit more of a long term play. You know, like, as the manufacturing goes from China to India, the economics Yep. is gonna kind of play out macro wise, but Yep.","start_word":1661,"end_word":1704,"sentiment":"neutral","sentiment_score":0.04152640700340271},{"text":"it's they haven't done so well this year.","start_word":1705,"end_word":1712,"sentiment":"negative","sentiment_score":-0.36600762605667114},{"text":"That's all. Yeah.","start_word":1713,"end_word":1715,"sentiment":"neutral","sentiment_score":-0.06368422508239746},{"text":"Cool.","start_word":1716,"end_word":1716,"sentiment":"positive","sentiment_score":0.35886090993881226},{"text":"So I'll update the portfolio. I'll keep it as high growth. I'm just Yep. gonna kind of give it an engine soon enough and fix up a couple of those options for you.","start_word":1717,"end_word":1749,"sentiment":"neutral","sentiment_score":0.16674315929412842},{"text":"Beautiful. Cool.","start_word":1750,"end_word":1751,"sentiment":"positive","sentiment_score":0.4917832911014557},{"text":"So because what I was looking at was you had that solid, like, 33% for a few Yep. years there, high double digits for a growth fund.","start_word":1752,"end_word":1778,"sentiment":"neutral","sentiment_score":0.11432183533906937},{"text":"That that's fantastic.","start_word":1779,"end_word":1781,"sentiment":"positive","sentiment_score":0.47583991289138794},{"text":"But then this year, it's kind of single digits at that dip, and it's just kind of been a bit middling at the moment. Yeah. Yeah. It was all expected anyway. So I'm not I'm not gonna start yelling at you and ask you where's all my money going. I do understand the market. So yeah. And I think my main thing is I'm just gonna make sure that whatever's in there is Yeah. quality enough that so when the market does go up, you actually get those concern. Yeah. Yeah. No.","start_word":1782,"end_word":1873,"sentiment":"neutral","sentiment_score":-0.11412030458450316},{"text":"Beautiful. I've I've I've been pretty happy with these over the years. These have done good. So Cool. We'll keep it going as strong as strong as hell.","start_word":1874,"end_word":1901,"sentiment":"positive","sentiment_score":0.415208101272583},{"text":"That hub platform itself, it's still got the most investment options in the industry, So it should have plenty in there for me to mix around in. Yep. Yep. I've Beautiful. just basically gotta do a bit of comparisons and update a document to go through with you, and then Yep. we can run through that in a couple of weeks. Yep. Beautiful. Outside of that, just in terms of contributions, work kind of did a bit of a a cluster of contributions recently. I can see about seven of them since the end of July. So I think maybe you can pull it up on some contributions they owe you possibly, unless Okay. they just switched it to they may have switched it to weekly, but I was seeing some on the July 20, twenty second, twenty seventh. And Okay. then again, as soon as August hit, they did a bunch. So I think maybe you were missing a couple for a couple of months. Okay. But that all seems to be fixed up. Yep. Do you want me to add in anything in terms of, like, salary sacrificing with super at the moment, or are you just focusing on, you know, building up crypto and the house deposit? Yeah. Just like to sit on that for now because, yeah, the markets are gonna have a good turn in that soon too. And then, yeah, eventually, like, I plan to, like, put some money in super as well, like, invest more into the super, like, make Yep. contribution. And yeah. But for now, just focus on the personal investment, and then when time comes, we can swing over to that side of things because it Yeah. it's still Yeah.","start_word":1902,"end_word":2191,"sentiment":"neutral","sentiment_score":0.10249471936760278},{"text":"gonna grow very, very well just with what work's putting in and the Yep. returns of the high growth. Yep. That'll catch up very quickly. Yeah. Yep. Cool.","start_word":2192,"end_word":2219,"sentiment":"positive","sentiment_score":0.5227622389793396},{"text":"Wait. Last couple of things that I wanted to run by you just in terms of the insurances. So Yep. I've added in the certificates for. We've got $250 worth of life and total disability Yep. insurance. Yep.","start_word":2220,"end_word":2257,"sentiment":"neutral","sentiment_score":0.11496375501155852},{"text":"Pretty, pretty cheap for you at the moment.","start_word":2258,"end_word":2265,"sentiment":"positive","sentiment_score":0.4697054922580719},{"text":"It's due to your age. They've got a $639 a year coming out of Yep. the super. Yep. 15% rebate comes off of that. Yep. Now because you are gonna buy a house down the road, my main question basically is, is $2.50 okay to kind of maintain for when you do get that loan, or do you want me to look at increasing, decreasing, or any changes to those two? When I'm ready, I'll yeah. I'll definitely look at increasing that. Alright. And so for the time being, I'll kind of keep it going. If I notice any Yep. major price issues, I'll Yep. flag it with you. But for now, we'll just wait until you get that home loan. So Yep. Yeah.","start_word":2266,"end_word":2389,"sentiment":"neutral","sentiment_score":0.10208636522293092},{"text":"When I'm ready beautiful.","start_word":2390,"end_word":2393,"sentiment":"positive","sentiment_score":0.3687116801738739},{"text":"and I've done all that, I'll let you know, and then, yeah, I'll get you to look into it then. Alrighty. The income protection there as well, so I'm just gonna quickly work that one back. Yep. We've got usually, it's 70% unless you've had it from before 2021. You had it in 2022.","start_word":2394,"end_word":2447,"sentiment":"neutral","sentiment_score":0.11439768224954604},{"text":"Cool.","start_word":2448,"end_word":2448,"sentiment":"positive","sentiment_score":0.36115363240242},{"text":"Yep. So 70% is the maximum. It's only really protecting you for about 50,000 worth of your income at the moment. It's about Yep. $3 a month that they'd Yep. pay you if Yep. you're out of work for more than thirty days. Yep. Yep. So as long as I can still cover your expenses and everything, just wanted to flag that. Yep.","start_word":2449,"end_word":2511,"sentiment":"neutral","sentiment_score":0.05184734985232353},{"text":"Cool.","start_word":2512,"end_word":2512,"sentiment":"positive","sentiment_score":0.3571266531944275},{"text":"Alrighty. And no trauma insurance. But that's the one that you've got to get out of pocket for heart attack, stroke, and cancer. Yep. So you just got the other three. Yep.","start_word":2513,"end_word":2544,"sentiment":"neutral","sentiment_score":0.053560297936201096},{"text":"Beautiful.","start_word":2545,"end_word":2545,"sentiment":"positive","sentiment_score":0.5614122748374939},{"text":"Just gonna have a look there. Any questions so far on what I'm thinking of for the pooper or the insurer? No. That's all. No questions for now? In terms of just savings, I know you are putting it into the crypto, but do you have, like, a set amount that you're sort of being able to put aside regularly that I can note down? Like, weekly? Yeah. I'm doing Weekly, monthly, yeah. whatever your budget Yeah. off. So I'm I'm doing, like, 200 a week Oh, sorry. Nice. at Yeah. the moment.","start_word":2546,"end_word":2638,"sentiment":"neutral","sentiment_score":0.010025088675320148},{"text":"It's not good.","start_word":2639,"end_word":2641,"sentiment":"negative","sentiment_score":-0.4941685199737549},{"text":"Wait. Yeah. It'll just, like it all depends really. Like, if I have big weeks at work, like, I'll put more as well. But, yeah, it's Yep. mainly just the average figure 200 a week. So I think we had a year or two ago, you're doing better one fifty. So, again, just Yep. bumping up a little bit Yep. and alrighty. Outside of that, so in the pack, what's basically coming through to you besides those certificates and performance and whatnot, we've got an updated service guide for as Yep. well as a consent form for hub twenty four. Yep. Now in that service guide, we've changed our fee structure going forward. So what will tend to happen now is Yep. when we get you above 200,000, we're applying Yep. discounts between Okay. 200 and 500,000 and Yep. then more discounts after 500 to a year. Yep. What effect at the moment is the same 1.65% for the current agreement until you go above that. So I'll Yep. just leave that one as is. And the last one, just so you're aware before you sign anything when I send it to you, Yep. is a tax file number opt in form. Sorry. What That's basically was that? just from the tax file number. It's obviously probably your most important number. Yep. And Yeah. just for cybersecurity issues, we're trying to make sure we can, a, get your consent that we can still hold that number, and, Yep. b, we're just trying to keep it on a opt in form instead of holding in all the different digital systems where it can be hacked. Yep. Yep.","start_word":2642,"end_word":2917,"sentiment":"neutral","sentiment_score":0.029090864772813908},{"text":"All good. Cool. Awesome.","start_word":2918,"end_word":2921,"sentiment":"positive","sentiment_score":0.5998995900154114},{"text":"So I'll get that one sent out to you in a minute. I've Yep. got all your details updated. I'll go through, and we'll send you those beneficiary form prefilled. Yep. Do you want me to email them through so you can kind of print them off and get them signed, or would you prefer a postage with a return envelope? Would you be able to post them? Yeah. Of course. No Yep. trouble at all.","start_word":2922,"end_word":2997,"sentiment":"neutral","sentiment_score":0.13217666745185852},{"text":"Beautiful.","start_word":2998,"end_word":2998,"sentiment":"positive","sentiment_score":0.4302893877029419},{"text":"Alright. So I'll get that sent out snail mail. I'm not sure how long that takes these days, but any trouble when you get the form, just give us advice. Yep. And that's pretty much it. Michelle will probably give you a call in a couple of weeks just to book you in to run through the updated portfolio. And if there's anything else you need, you can let us know.","start_word":2999,"end_word":3069,"sentiment":"neutral","sentiment_score":0.10243213564996988},{"text":"Well, dear. Thanks for your call. Awesome, mate. Alright. Thank you so much for your time.","start_word":3070,"end_word":3085,"sentiment":"positive","sentiment_score":0.7114988565444946},{"text":"If you can have a look at that email when you get a chance Yep.","start_word":3086,"end_word":3100,"sentiment":"neutral","sentiment_score":0.2757627069950104},{"text":"and get that sorted, I'd appreciate it, and then I'll go through the updated projections with you in a couple of weeks.","start_word":3101,"end_word":3122,"sentiment":"positive","sentiment_score":0.3427830934524536},{"text":"Yep. Not a drama.","start_word":3123,"end_word":3126,"sentiment":"neutral","sentiment_score":0.1517128944396973},{"text":"Awesome, Michael. Have a great weekend, mate. Cheers. You too, mate. Thank you. Bye.","start_word":3127,"end_word":3140,"sentiment":"positive","sentiment_score":0.6872865557670593},{"text":"Bye.","start_word":3141,"end_word":3141,"sentiment":"neutral","sentiment_score":0.259378045797348}],"average":{"sentiment":"neutral","sentiment_score":0.09576441146949072}}}}