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Before I had you booked in for a bit of a catch up, so they just sort of reassess where things are at for you. Before we jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to do security, I'll just get you to confirm your full name, your date of birth, and address I should have on file for you. Yep. Yeah. I use the other address you have. Beautiful. Thank you so much for that. All good. So last time we called out, you had another doctor's appointment that was on about Monday the twenty second. Is that right? Yeah. Okay. Yep. Perfect. Yeah. How did all that go? How's things going, and where are we up to now health wise? Oh, wow. Yep. Yep. Oh, really? Okay. So it's quite small at the moment. Okay. Okay. Yeah. Oh, that's a shame. I thought they would have been wanting to kinda get that out fairly quickly because of, you know, it's an embolism. So is it yeah. It I thought they wanna get rid of that fairly quickly. So they hold off until it gets to about 50 millimeters. 55. Wow. Interesting. Yeah. Yeah. Yeah. Yeah. Yeah. Okay. Yep. Yeah. Mhmm. Yeah. Correct. Yeah. Definitely the stress on your body, especially with the traveling back and forth. Yeah. Absolutely. Mhmm. Yeah. No. Yes. Yeah. So with you're right. So with retirement now, we last time we sort of chatted, we talked about, you know, you're looking at maybe 60, maybe 62 is kinda what you're aiming for now with your super. Do you think that's still about right, or do you think you wanna try and work longer than 65? Or what what are you thinking goal wise for a time now? Yep. Perfect. Okay. So so do you wanna work on 62 for you as the goal age to access, or do you think you're more likely to wanna try and take some money out of 60? 62? Beautiful. Lovely. And looking to your 58 now as of March this year. So you've got about four years. Yep. To age 62. Beautiful. Now with the profile that you're in now with your super at the moment, just going back into that section. Where are we? So you're in that growth kind of environment. So a growth portfolio generally suits someone who has about six years before they're wanting to access their funds, essentially, because that is where you have 80% of your money in those, like, growth investments, things like Australian shares, international shares, listed property, and commodities like gold and silver, and then only about 20% in low risk defensive investments. And those growth assets, they're essentially where you see a lot of the market ups and downs. You do see and see a lot of that as your balance gets bigger. And by having more of those investors, you are taking on more risk. So you are hoping for a greater level of return by taking on more risk. Because you do only have about four years before realistically accessing super, are you sort of at the point where you're feeling like you wanna maybe not have as much volatility? You don't wanna see and feel those ups and downs as drastically. Is that right? Yep. Yep. That's okay. I'm just having a quick look at the risk profile questionnaire. This is sort of see where you fit and what sort of portfolio we should realistically look at for you. Now sorry. It won't be one second. My computer's a little bit slow this afternoon. Sorry about that. Say about four four years there. Okay. Now, realistically, if you did see your super fall in, say, the next three years by about 20% there, Dennis, do you think you would be comfortable working a bit longer waiting for the portfolio to recover, or do you still think you'd be at a point where you're wanting to access the money and take it money out of super? How do you think you might feel? You would be comfortable waiting? You probably wouldn't wanna still access the super, and you have to cement losses. Yep. Yep. That's okay. That's alright. So we'll say three, hold, and wait. In the event of, say, the ups and downs that we are seeing at the moment, do you consider yourself more comfortable taking a higher level of risk even though you know that there are those downtimes and you may have to wait to access your funds, or are you sort of wanting to reduce the risk and have less returns knowing you're taking less risk as you are getting closer to accessing your super? Where do you sort of see yourself bidding with those two questions? Mhmm. You yep. Yep. You wanted to stay in that kind of growth environment for the time being? Yep. That's okay. And, look, there's nothing wrong with that. That's absolutely fine. It's just the biggest side of it is that you are you do have more of those growth investments. So because we have seen more of those ups and downs this year with what's sort of happening in the market, you can see more of a downturn. And it's important to kind of understand that that is a risk we do take. If you decide during a downturn that you still wanna access those funds and stop working, then we are cementing losses. However, if you're, you know, seeing a downturn, you go, hey. Look. I'm happy to hold on for maybe another six to twelve months before I start to access that money. I'm happy just to wait for a bit of recovery, and that's absolutely fine again. The other side of it is, though, Dennis, if you just wanna hold on and keep the growth portfolio for the time being, you're due to have a full annual review in November. If you wanted me to, I could just do a catch up for you around about November. We do a full annual review then and see if you wanna look at decreasing your risk profile. Does that sound like something you're open to, or what do you feel? Yep. Yep. That's okay. So we'll make it November. Would you like me to do a catch up with you in between now and November, say, maybe August just to sort of catch up and see how things are going to give you the opportunity to tell me to look at reducing risk in that time frame if you're uncomfortable. Yeah. You you can talk to me as much or as little as you want. Into the investment? Yep. Yep. Yeah. Building. Yeah. Absolutely. Not a problem at all. Well, so what I can do is I mean, you've mentioned to me you're happy to stay where you are for the time being. You are still going through, obviously, speak speaking to your doctors and seeing what's gonna happen moving forward treatment wise for you. If you are happy to stay where you are, which is absolutely fine, I can do a catch up with you. I'll get the team to give you a call in early August to book you in for another catch up to see how things are going. You can let me know in the meantime. If anything happens in the meantime, you go, hey. I'm not comfortable anymore. I don't wanna sit in this environment. I just wanna talk to you. Just give us a call, and the girls will book you in straight away to meet with me. It's not a problem at all. But then I can do a catch up with you in August, see how things are progressing, see how your house is going. And then, you know, when you get to November to get annual review, we can then again do the risk profile and assess your risk level then as well. Okay? Does that sound okay with you? Or yeah. Beautiful. Yeah. Yeah. Yeah. Absolutely. Look. It's not doing badly at the moment. Has been a bit up and down, but if you are able to put some money into it, even if you wanna not make it a thousand dollars each time, just maybe make it 500 in smaller increments on more of a regular basis, that can absolutely help you as well. And it means that you keep a little bit back for yourself in case you need that buffer for your medical appointments and things like that as well. Yeah. No. Absolutely. Yep. That's correct. Yeah. Yeah. Yeah. Absolutely. And that's what dollar cost averaging is. It's putting a regular amount of money in no matter what the market's doing. That way, if you put, you know, 500 in or a thousand dollars in and it's one period, the market then takes a bit of a dip. You put another thousand in at the next interval. The market takes a bit of a rise and do the same thing again. You do. You take advantage of the ups and downs without meaning to you're not trying to pick the market. You're just investing at regular intervals and dollar cost averaging in to take advantage of the market conditions. And over the longer term, you tend to benefit. It helps to reduce market risk because you're not trying to time the market. You're just putting that in. It helps to even out your returns, and you get I mean, when the market is down, you're taking those advantages and buying in at the discounted rate of the investment. So it does absolutely work out more in your favor to do it that way. Yeah. Yeah. That's all gonna be payday as well. So that'll all go in at proper dollar cost averaging for you as well, and that's all supposed to start in July. Yeah. Beautiful. Yep. Yep. Okay. Yep. Yeah. Yeah. Yeah. Yeah. Mhmm. Mhmm. Yeah. Yeah. Really? That's the mooring fee. That's actually cheaper than most rents. Yeah. Yep. Yep. Wow. Yeah. That's it. Yeah. And how long are you allowed to stay in the in that area for? Permanently? Yep. Okay. Perfect. Do they let you just sort of, like, anchor yourself off, like, in there for a certain period of time without paying mooring fees at all, or is it all you've gotta cover the cost no matter what no no matter how long you're in there for? Yep. Yep. Regardless. Yeah. Yeah. Yep. Okay. Cool. Perfect. They're different. Beautiful. Yep. Beautiful place to anchor. Tell you what, a Sunday afternoon on the front on the front of your boat with a nice beer or something, that'd be a beautiful view. Yeah. No. That'd be amazing. Yes. Okay. Mhmm. Okay. Beautiful. And, yeah, look, if you're putting some money into the yeah. And if you put some money into the investment account, we build that up. That over the next couple of years could also provide you with a bit of extra benefit there as well. So Absolutely. Yep. Beautiful. No. Looking good. Excellent. Beautiful. Well, I will put in my calendar on probably the first week of August. I'll get Sammy to give you a call again, and she'll book you in for another bit of a catch up. If anything in the meantime comes up, you feel concerned or, you know, the doctors come back and say something's changed, let me know. I will more than happily book you in at any point in time. But in the meantime, we can just hold off until August. We'll do another quick catch up then to see how things are going, make sure you're still comfortable with where you're at. If you start if you can start putting some money into that investment account, that'd be fabulous, and we can kinda monitor that as well. And then, yeah, any questions pop up, you let me know. And then, of course, your annual review is back in November as well. So we'll reevaluate things again then for you. Okay? Yep. Beautiful. All good. But now always let me know if there's any changes or anything else that you need. If you start to feel concerned or you hear anything in the news that's really starting to pick up or if anything changes health wise, give me a buzz. Let me know. I will always make time to fit you in, Dennis, and we'll have a really good catch up and a chat because anything can change. If license, liquid, we can move it and change it and alter it as often as you need. Okay? That's okay. My pleasure. I'm glad you you know, I'm I'm glad it's only a small aneurysm at the moment, but it'd be great once it's gone. Not having it all would be a lot better, but I'm glad it's only small right now. And, hopefully, work is a little bit less stressful for you moving into this new new role. Okay. Yes. Yeah. No. Fair enough. Yeah. No. No. No. No. Absolutely. Beautiful. Yep. Fantastic. That'll be good. That'll keep you more in the office side of things. No. Not having to go on-site very often. Are you gonna be required to go on-site at least sort of every so often to check on him, or are you just gonna monitor him from the office? Okay. Well, that's a little bit less. That's good. Yeah. Yeah. Yep. There's a lot more traveling. Yeah. Absolutely. Yeah. Yeah. Yeah. It's not the same app impact, does it? It doesn't have the same impact. No. No. Oh. Oh, no. No. Yeah. No. That's absolutely fine. Well, hopefully, it all goes well. And, yeah, look, we'll do a catch up in it's about two months. Well, just over a month away to August. We're at the end of June now. It's Insane how fast this year is going. And then, yeah, in as I said, in the meantime, if there's anything you need, it doesn't matter what it is, any questions you have, any concerns. If you hear something that's concerning you adopt an appointment that comes out a little bit, you know, bizarre or you're starting to feel a bit uneasy, just pick up the phone and let the girls know they'll book you in with me. Often, if you call in and I'm available, I'll take the call off the customer. Just, you know, let me know if anything, but I'll make sure we touch base in August and see how things are going, maybe reevaluate where you're at, and then again in November. So we keep regular contact. And that way, when and if you start to feel nervous, you wanna take less risk, we can make that action nice and quick for you. Okay? Yeah. That's okay. That's alright. Do you have any other questions, concerns, or anything else that you want me to kinda follow-up for you at the moment? Or Yeah. It's still up. It's definitely still up. So you've still made some money. I just had a quick look at those for you. So you're super in the last three months. You're up by 6.24% net of fees, which is great. And I would just have a look at the investment for you. Sorry. Just gonna go back to the other screen then. Have a look. So the investment value is at 20,117. So it is a little bit low from where it was last time we spoke, but it is still up. You still got more than the 20,000 you put in, which is capital. And you've made, yep. Sorry. Yep. Yeah. So you ended up with initial value of 19,290 and $14 in earnings. That's the growth and income. So, yeah, they're both doing well at the moment, and that's in the last three months for your investment as well. So you are up in both aspects at the moment. And, yeah, when and if you're able to pop some money into the investment, we'll keep monitoring that for you. If you want even just next month, I can just generate maybe a report halfway through the month and send it through once we sort of see some money going in. I can generate another one of these reports and send it through to you just via email so you can see the net return and have a bit of a look at things and how it's tracking as well. Did you want me to organize that for you? Yes. Absolutely. I'll generate it probably mid July. That way, some money can go in. We can be compounding that a little bit. And then I can generate another one of these little reports for you and send an email through just to the, hey. Here's the report. This is what it's showing. This is how it, you know, it is at the moment, and then you can always let me know if you have additional questions there. Okay. Yep. Fantastic. I can do that. Not a problem at all. I'll pop it in for the middle of July. Easy. That's okay. That's not a problem at all. Always here and happy to help, Dennis. It's good to see things on the upward and, yeah, to see look after your health. It's something as you've been on my mind. That's for sure. I've been thinking about you and hoping that you're all okay and hoping those doctor's appointments are going well for you because, yeah, it's a lot to deal with at the moment. So Two weeks. I hope it all goes well. Yeah. No. Absolutely. Absolutely. But now, look, you're always on always in the back of our mind, and we'll make sure we keep checking in with you. Okay. That's okay. That's not a problem at all. I will probably just let you go for the afternoon now so you can have a bit of a rest, but I'll make sure I fill up with a report next month for you for your sleep and your investment. And I will make sure we book you in in August for a bit of a catch up to see how things are tracking. Okay. Okay. No worries at all. And as I said, call me if there's any changes or anything else that you need from me. I'm always, you know, always happy to help. And if I'm not on the phone, I'll take the call off the cuff for you. Okay? Not a problem at all, Dennis. What do you got for the afternoon? You just got home? You're ready to sit down and relax a little bit? Oh, lovely. Oh, lovely. That's so good. Well, I will let you go so you can spend some time with him, but thank you so much for taking my call this afternoon. I I appreciate your time. It's awkward. It is. Yeah. Absolutely. Yep. Alright. All good. My pleasure. Well, you have a lovely afternoon. No worries, Dennis. You have a great one. I'll talk to you soon. See you later. 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Dennis. This is Dana again from Oakview Financial. Is this a bit better for you? Yeah. Oh, good.\n\nGood. I'm not sure what's going on. I'm so sorry. Fantastic. Look.\n\nBefore I had you booked in for a bit of a catch up, so they just sort of reassess where things are at for you. Before we jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to do security, I'll just get you to confirm your full name, your date of birth, and address I should have on file for you.\n\nYep. Yeah. I use the other address you have. Beautiful. Thank you so much for that.\n\nAll good. So last time we called out, you had another doctor's appointment that was on about Monday the twenty second. Is that right? Yeah. Okay.\n\nYep. Perfect. Yeah. How did all that go? How's things going, and where are we up to now health wise?\n\nOh, wow. Yep. Yep. Oh, really? Okay.\n\nSo it's quite small at the moment. Okay. Okay. Yeah. Oh, that's a shame.\n\nI thought they would have been wanting to kinda get that out fairly quickly because of, you know, it's an embolism. So is it yeah. It I thought they wanna get rid of that fairly quickly. So they hold off until it gets to about 50 millimeters. 55.\n\nWow. Interesting. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Okay. Yep. Yeah.\n\nMhmm. Yeah. Correct. Yeah. Definitely the stress on your body, especially with the traveling back and forth.\n\nYeah. Absolutely. Mhmm. Yeah. No.\n\nYes. Yeah. So with you're right. So with retirement now, we last time we sort of chatted, we talked about, you know, you're looking at maybe 60, maybe 62 is kinda what you're aiming for now with your super. Do you think that's still about right, or do you think you wanna try and work longer than 65?\n\nOr what what are you thinking goal wise for a time now? Yep. Perfect. Okay. So so do you wanna work on 62 for you as the goal age to access, or do you think you're more likely to wanna try and take some money out of 60?\n\n62? Beautiful. Lovely. And looking to your 58 now as of March this year. So you've got about four years.\n\nYep. To age 62. Beautiful. Now with the profile that you're in now with your super at the moment, just going back into that section. Where are we?\n\nSo you're in that growth kind of environment. So a growth portfolio generally suits someone who has about six years before they're wanting to access their funds, essentially, because that is where you have 80% of your money in those, like, growth investments, things like Australian shares, international shares, listed property, and commodities like gold and silver, and then only about 20% in low risk defensive investments. And those growth assets, they're essentially where you see a lot of the market ups and downs. You do see and see a lot of that as your balance gets bigger. And by having more of those investors, you are taking on more risk.\n\nSo you are hoping for a greater level of return by taking on more risk. Because you do only have about four years before realistically accessing super, are you sort of at the point where you're feeling like you wanna maybe not have as much volatility? You don't wanna see and feel those ups and downs as drastically. Is that right? Yep.\n\nYep. That's okay. I'm just having a quick look at the risk profile questionnaire. This is sort of see where you fit and what sort of portfolio we should realistically look at for you. Now sorry.\n\nIt won't be one second. My computer's a little bit slow this afternoon. Sorry about that. Say about four four years there. Okay.\n\nNow, realistically, if you did see your super fall in, say, the next three years by about 20% there, Dennis, do you think you would be comfortable working a bit longer waiting for the portfolio to recover, or do you still think you'd be at a point where you're wanting to access the money and take it money out of super? How do you think you might feel? You would be comfortable waiting? You probably wouldn't wanna still access the super, and you have to cement losses. Yep.\n\nYep. That's okay. That's alright. So we'll say three, hold, and wait. In the event of, say, the ups and downs that we are seeing at the moment, do you consider yourself more comfortable taking a higher level of risk even though you know that there are those downtimes and you may have to wait to access your funds, or are you sort of wanting to reduce the risk and have less returns knowing you're taking less risk as you are getting closer to accessing your super?\n\nWhere do you sort of see yourself bidding with those two questions? Mhmm. You yep. Yep. You wanted to stay in that kind of growth environment for the time being?\n\nYep. That's okay. And, look, there's nothing wrong with that. That's absolutely fine. It's just the biggest side of it is that you are you do have more of those growth investments.\n\nSo because we have seen more of those ups and downs this year with what's sort of happening in the market, you can see more of a downturn. And it's important to kind of understand that that is a risk we do take. If you decide during a downturn that you still wanna access those funds and stop working, then we are cementing losses. However, if you're, you know, seeing a downturn, you go, hey. Look.\n\nI'm happy to hold on for maybe another six to twelve months before I start to access that money. I'm happy just to wait for a bit of recovery, and that's absolutely fine again. The other side of it is, though, Dennis, if you just wanna hold on and keep the growth portfolio for the time being, you're due to have a full annual review in November. If you wanted me to, I could just do a catch up for you around about November. We do a full annual review then and see if you wanna look at decreasing your risk profile.\n\nDoes that sound like something you're open to, or what do you feel? Yep. Yep. That's okay. So we'll make it November.\n\nWould you like me to do a catch up with you in between now and November, say, maybe August just to sort of catch up and see how things are going to give you the opportunity to tell me to look at reducing risk in that time frame if you're uncomfortable. Yeah. You you can talk to me as much or as little as you want. Into the investment? Yep.\n\nYep. Yeah. Building. Yeah. Absolutely.\n\nNot a problem at all. Well, so what I can do is I mean, you've mentioned to me you're happy to stay where you are for the time being. You are still going through, obviously, speak speaking to your doctors and seeing what's gonna happen moving forward treatment wise for you. If you are happy to stay where you are, which is absolutely fine, I can do a catch up with you. I'll get the team to give you a call in early August to book you in for another catch up to see how things are going.\n\nYou can let me know in the meantime. If anything happens in the meantime, you go, hey. I'm not comfortable anymore. I don't wanna sit in this environment. I just wanna talk to you.\n\nJust give us a call, and the girls will book you in straight away to meet with me. It's not a problem at all. But then I can do a catch up with you in August, see how things are progressing, see how your house is going. And then, you know, when you get to November to get annual review, we can then again do the risk profile and assess your risk level then as well. Okay?\n\nDoes that sound okay with you? Or yeah. Beautiful. Yeah. Yeah.\n\nYeah. Absolutely. Look. It's not doing badly at the moment. Has been a bit up and down, but if you are able to put some money into it, even if you wanna not make it a thousand dollars each time, just maybe make it 500 in smaller increments on more of a regular basis, that can absolutely help you as well.\n\nAnd it means that you keep a little bit back for yourself in case you need that buffer for your medical appointments and things like that as well. Yeah. No. Absolutely. Yep.\n\nThat's correct. Yeah. Yeah. Yeah. Absolutely.\n\nAnd that's what dollar cost averaging is. It's putting a regular amount of money in no matter what the market's doing. That way, if you put, you know, 500 in or a thousand dollars in and it's one period, the market then takes a bit of a dip. You put another thousand in at the next interval. The market takes a bit of a rise and do the same thing again.\n\nYou do. You take advantage of the ups and downs without meaning to you're not trying to pick the market. You're just investing at regular intervals and dollar cost averaging in to take advantage of the market conditions. And over the longer term, you tend to benefit. It helps to reduce market risk because you're not trying to time the market.\n\nYou're just putting that in. It helps to even out your returns, and you get I mean, when the market is down, you're taking those advantages and buying in at the discounted rate of the investment. So it does absolutely work out more in your favor to do it that way. Yeah. Yeah.\n\nThat's all gonna be payday as well. So that'll all go in at proper dollar cost averaging for you as well, and that's all supposed to start in July. Yeah. Beautiful. Yep.\n\nYep. Okay. Yep. Yeah. Yeah.\n\nYeah. Yeah. Mhmm. Mhmm. Yeah.\n\nYeah. Really? That's the mooring fee. That's actually cheaper than most rents. Yeah.\n\nYep. Yep. Wow. Yeah. That's it.\n\nYeah. And how long are you allowed to stay in the in that area for? Permanently? Yep. Okay.\n\nPerfect. Do they let you just sort of, like, anchor yourself off, like, in there for a certain period of time without paying mooring fees at all, or is it all you've gotta cover the cost no matter what no no matter how long you're in there for? Yep. Yep. Regardless.\n\nYeah. Yeah. Yep. Okay. Cool.\n\nPerfect. They're different. Beautiful. Yep. Beautiful place to anchor.\n\nTell you what, a Sunday afternoon on the front on the front of your boat with a nice beer or something, that'd be a beautiful view. Yeah. No. That'd be amazing. Yes.\n\nOkay. Mhmm. Okay. Beautiful. And, yeah, look, if you're putting some money into the yeah.\n\nAnd if you put some money into the investment account, we build that up. That over the next couple of years could also provide you with a bit of extra benefit there as well. So Absolutely. Yep. Beautiful.\n\nNo. Looking good. Excellent. Beautiful. Well, I will put in my calendar on probably the first week of August.\n\nI'll get Sammy to give you a call again, and she'll book you in for another bit of a catch up. If anything in the meantime comes up, you feel concerned or, you know, the doctors come back and say something's changed, let me know. I will more than happily book you in at any point in time. But in the meantime, we can just hold off until August. We'll do another quick catch up then to see how things are going, make sure you're still comfortable with where you're at.\n\nIf you start if you can start putting some money into that investment account, that'd be fabulous, and we can kinda monitor that as well. And then, yeah, any questions pop up, you let me know. And then, of course, your annual review is back in November as well. So we'll reevaluate things again then for you. Okay?\n\nYep. Beautiful. All good. But now always let me know if there's any changes or anything else that you need. If you start to feel concerned or you hear anything in the news that's really starting to pick up or if anything changes health wise, give me a buzz.\n\nLet me know. I will always make time to fit you in, Dennis, and we'll have a really good catch up and a chat because anything can change. If license, liquid, we can move it and change it and alter it as often as you need. Okay? That's okay.\n\nMy pleasure. I'm glad you you know, I'm I'm glad it's only a small aneurysm at the moment, but it'd be great once it's gone. Not having it all would be a lot better, but I'm glad it's only small right now. And, hopefully, work is a little bit less stressful for you moving into this new new role. Okay.\n\nYes. Yeah. No. Fair enough. Yeah.\n\nNo. No. No. No. Absolutely.\n\nBeautiful. Yep. Fantastic. That'll be good. That'll keep you more in the office side of things.\n\nNo. Not having to go on-site very often. Are you gonna be required to go on-site at least sort of every so often to check on him, or are you just gonna monitor him from the office? Okay. Well, that's a little bit less.\n\nThat's good. Yeah. Yeah. Yep. There's a lot more traveling.\n\nYeah. Absolutely. Yeah. Yeah. Yeah.\n\nIt's not the same app impact, does it? It doesn't have the same impact. No. No. Oh.\n\nOh, no. No. Yeah. No. That's absolutely fine.\n\nWell, hopefully, it all goes well. And, yeah, look, we'll do a catch up in it's about two months. Well, just over a month away to August. We're at the end of June now. It's Insane how fast this year is going.\n\nAnd then, yeah, in as I said, in the meantime, if there's anything you need, it doesn't matter what it is, any questions you have, any concerns. If you hear something that's concerning you adopt an appointment that comes out a little bit, you know, bizarre or you're starting to feel a bit uneasy, just pick up the phone and let the girls know they'll book you in with me. Often, if you call in and I'm available, I'll take the call off the customer. Just, you know, let me know if anything, but I'll make sure we touch base in August and see how things are going, maybe reevaluate where you're at, and then again in November. So we keep regular contact.\n\nAnd that way, when and if you start to feel nervous, you wanna take less risk, we can make that action nice and quick for you. Okay? Yeah. That's okay. That's alright.\n\nDo you have any other questions, concerns, or anything else that you want me to kinda follow-up for you at the moment? Or Yeah. It's still up. It's definitely still up. So you've still made some money.\n\nI just had a quick look at those for you. So you're super in the last three months. You're up by 6.24% net of fees, which is great. And I would just have a look at the investment for you. Sorry.\n\nJust gonna go back to the other screen then. Have a look. So the investment value is at 20,117. So it is a little bit low from where it was last time we spoke, but it is still up. You still got more than the 20,000 you put in, which is capital.\n\nAnd you've made, yep. Sorry. Yep. Yeah. So you ended up with initial value of 19,290 and $14 in earnings.\n\nThat's the growth and income. So, yeah, they're both doing well at the moment, and that's in the last three months for your investment as well. So you are up in both aspects at the moment. And, yeah, when and if you're able to pop some money into the investment, we'll keep monitoring that for you. If you want even just next month, I can just generate maybe a report halfway through the month and send it through once we sort of see some money going in.\n\nI can generate another one of these reports and send it through to you just via email so you can see the net return and have a bit of a look at things and how it's tracking as well. Did you want me to organize that for you? Yes. Absolutely. I'll generate it probably mid July.\n\nThat way, some money can go in. We can be compounding that a little bit. And then I can generate another one of these little reports for you and send an email through just to the, hey. Here's the report. This is what it's showing.\n\nThis is how it, you know, it is at the moment, and then you can always let me know if you have additional questions there. Okay. Yep. Fantastic. I can do that.\n\nNot a problem at all. I'll pop it in for the middle of July. Easy. That's okay. That's not a problem at all.\n\nAlways here and happy to help, Dennis. It's good to see things on the upward and, yeah, to see look after your health. It's something as you've been on my mind. That's for sure. I've been thinking about you and hoping that you're all okay and hoping those doctor's appointments are going well for you because, yeah, it's a lot to deal with at the moment.\n\nSo Two weeks. I hope it all goes well. Yeah. No. Absolutely.\n\nAbsolutely. But now, look, you're always on always in the back of our mind, and we'll make sure we keep checking in with you. Okay. That's okay. That's not a problem at all.\n\nI will probably just let you go for the afternoon now so you can have a bit of a rest, but I'll make sure I fill up with a report next month for you for your sleep and your investment. And I will make sure we book you in in August for a bit of a catch up to see how things are tracking. Okay. Okay. No worries at all.\n\nAnd as I said, call me if there's any changes or anything else that you need from me. I'm always, you know, always happy to help. And if I'm not on the phone, I'll take the call off the cuff for you. Okay? Not a problem at all, Dennis.\n\nWhat do you got for the afternoon? You just got home? You're ready to sit down and relax a little bit? Oh, lovely. Oh, lovely.\n\nThat's so good. Well, I will let you go so you can spend some time with him, but thank you so much for taking my call this afternoon. I I appreciate your time. It's awkward. It is.\n\nYeah. Absolutely. Yep. Alright. All good.\n\nMy pleasure. Well, you have a lovely afternoon. No worries, Dennis. You have a great one. I'll talk to you soon.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Dennis.","start":0.39999998,"end":2.72,"sentiment":"neutral","sentiment_score":0.031119790859520435},{"text":"This is Dana again from Oakview Financial.","start":2.72,"end":4.64,"sentiment":"neutral","sentiment_score":0.06410566131983485},{"text":"Is this a bit better for you?","start":4.64,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.17387362995318004},{"text":"Yeah.","start":7.7599998,"end":8.24,"sentiment":"neutral","sentiment_score":0.10146920382976532},{"text":"Oh, good.","start":8.24,"end":8.98,"sentiment":"neutral","sentiment_score":0.27667029201984406}],"sentiment":"neutral","sentiment_score":0.12541602149997888,"num_words":19,"start":0.39999998,"end":8.98},{"sentences":[{"text":"Good.","start":9.2,"end":9.7,"sentiment":"neutral","sentiment_score":0.2746592164039612},{"text":"I'm not sure what's going on.","start":10.08,"end":11.28,"sentiment":"neutral","sentiment_score":-0.07837075429658096},{"text":"I'm so sorry.","start":11.28,"end":12.179999,"sentiment":"neutral","sentiment_score":-0.10920182118813197},{"text":"Fantastic.","start":16.535,"end":17.035,"sentiment":"positive","sentiment_score":0.5916632413864136},{"text":"Look.","start":17.815,"end":18.215,"sentiment":"neutral","sentiment_score":0.26152893900871277}],"sentiment":"neutral","sentiment_score":0.027501783954600494,"num_words":12,"start":9.2,"end":18.215},{"sentences":[{"text":"Before I had you booked in for a bit of a catch up, so they just sort of reassess where things are at for you.","start":18.215,"end":22.875,"sentiment":"neutral","sentiment_score":0.06798690512776374},{"text":"Before we jump into the call, I do have to let you know we do record our calls for quality and training purposes.","start":22.935,"end":27.67,"sentiment":"neutral","sentiment_score":0.05467655185772025},{"text":"Are you happy for me to proceed with that?","start":27.67,"end":29.77,"sentiment":"neutral","sentiment_score":0.09689204229248895},{"text":"Fantastic.","start":31.349998,"end":31.849998,"sentiment":"positive","sentiment_score":0.498572438955307},{"text":"And just to do security, I'll just get you to confirm your full name, your date of birth, and address I should have on file for you.","start":32.15,"end":37.77,"sentiment":"neutral","sentiment_score":0.19841321585354982}],"sentiment":"neutral","sentiment_score":0.11394107021829661,"num_words":85,"start":18.215,"end":37.77},{"sentences":[{"text":"Yep.","start":41.204998,"end":41.704998,"sentiment":"neutral","sentiment_score":0.062392473220825195},{"text":"Yeah.","start":43.204998,"end":43.704998,"sentiment":"neutral","sentiment_score":0.03883139044046402},{"text":"I use the other address you have.","start":48.725,"end":50.824997,"sentiment":"neutral","sentiment_score":0.043441918811627796},{"text":"Beautiful.","start":54.010002,"end":54.510002,"sentiment":"positive","sentiment_score":0.5082353949546814},{"text":"Thank you so much for that.","start":54.57,"end":56.11,"sentiment":"positive","sentiment_score":0.6699539224306742}],"sentiment":"neutral","sentiment_score":0.30832976405508816,"num_words":16,"start":41.204998,"end":56.11},{"sentences":[{"text":"All good.","start":56.73,"end":57.39,"sentiment":"positive","sentiment_score":0.45216551423072815},{"text":"So last time we called out, you had another doctor's appointment that was on about Monday the twenty second.","start":58.25,"end":65.29,"sentiment":"neutral","sentiment_score":0.023984096454162347},{"text":"Is that 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forth.","start":272.36502,"end":276.30502,"sentiment":"negative","sentiment_score":-0.34553776108301604}],"sentiment":"neutral","sentiment_score":-0.28241842645494375,"num_words":17,"start":261.07,"end":276.30502},{"sentences":[{"text":"Yeah.","start":292.585,"end":293.085,"sentiment":"neutral","sentiment_score":0.0974806621670723},{"text":"Absolutely.","start":293.305,"end":293.805,"sentiment":"neutral","sentiment_score":0.2469395101070404},{"text":"Mhmm.","start":299.94498,"end":300.44498,"sentiment":"neutral","sentiment_score":0.09807386994361876},{"text":"Yeah.","start":303.80002,"end":304.30002,"sentiment":"neutral","sentiment_score":-0.07437905669212341},{"text":"No.","start":307.72,"end":308.22,"sentiment":"neutral","sentiment_score":-0.12218528985977171}],"sentiment":"neutral","sentiment_score":0.04918593913316727,"num_words":5,"start":292.585,"end":308.22},{"sentences":[{"text":"Yes.","start":316.85498,"end":317.35498,"sentiment":"neutral","sentiment_score":0.0686686635017395},{"text":"Yeah.","start":317.57498,"end":318.07498,"sentiment":"neutral","sentiment_score":0.08630244433879852},{"text":"So with you're right.","start":320.055,"end":322.535,"sentiment":"neutral","sentiment_score":0.18814925849437714},{"text":"So with retirement now, we last time we sort of chatted, we talked about, you know, you're looking at maybe 60, maybe 62 is kinda what you're aiming for now with your super.","start":322.535,"end":333.36002,"sentiment":"neutral","sentiment_score":0.13151928116426323},{"text":"Do you think that's still about right, or do you think you wanna try and work longer than 65?","start":333.82,"end":340.06,"sentiment":"neutral","sentiment_score":0.04384389892220497}],"sentiment":"neutral","sentiment_score":0.10484031896139014,"num_words":58,"start":316.85498,"end":340.06},{"sentences":[{"text":"Or what what are you thinking goal wise for a time now?","start":340.06,"end":343.595,"sentiment":"neutral","sentiment_score":0.051173629549642406},{"text":"Yep.","start":350.295,"end":350.795,"sentiment":"neutral","sentiment_score":0.24726814031600952},{"text":"Perfect.","start":350.855,"end":351.355,"sentiment":"positive","sentiment_score":0.43867361545562744},{"text":"Okay.","start":353.11,"end":353.61,"sentiment":"neutral","sentiment_score":0.17679229378700256},{"text":"So so do you wanna work on 62 for you as the goal age to access, or do you think you're more likely to wanna try and take some money out of 60?","start":353.99,"end":364.41,"sentiment":"neutral","sentiment_score":0.08361364697868173}],"sentiment":"neutral","sentiment_score":0.08825141571772595,"num_words":48,"start":340.06,"end":364.41},{"sentences":[{"text":"62?","start":369.36502,"end":370.245,"sentiment":"neutral","sentiment_score":0.06489469110965729},{"text":"Beautiful.","start":370.245,"end":370.745,"sentiment":"positive","sentiment_score":0.44423598051071167},{"text":"Lovely.","start":371.92502,"end":372.42502,"sentiment":"positive","sentiment_score":0.5051459074020386},{"text":"And looking to your 58 now as of March this year.","start":372.565,"end":377.045,"sentiment":"neutral","sentiment_score":0.24123248999769037},{"text":"So you've got about four years.","start":377.045,"end":378.98502,"sentiment":"neutral","sentiment_score":0.09276463960607846}],"sentiment":"neutral","sentiment_score":0.21122109033167363,"num_words":20,"start":369.36502,"end":378.98502},{"sentences":[{"text":"Yep.","start":381.26,"end":381.76,"sentiment":"neutral","sentiment_score":0.061550699174404144},{"text":"To age 62.","start":381.98,"end":383.52002,"sentiment":"neutral","sentiment_score":0.0564088299870491},{"text":"Beautiful.","start":383.66,"end":384.16,"sentiment":"neutral","sentiment_score":0.30708324909210205},{"text":"Now with the profile that you're in now with your super at the moment, just going back into that section.","start":385.34,"end":391.84,"sentiment":"neutral","sentiment_score":0.06894064322113991},{"text":"Where are we?","start":395.35498,"end":395.995,"sentiment":"neutral","sentiment_score":0.02371797524392605}],"sentiment":"neutral","sentiment_score":0.07099382958507963,"num_words":28,"start":381.26,"end":395.995},{"sentences":[{"text":"So you're in that growth kind of environment.","start":395.995,"end":398.255,"sentiment":"neutral","sentiment_score":0.05353890312835574},{"text":"So a growth portfolio generally suits someone who has about six years before they're wanting to access their funds, essentially, because that is where you have 80% of your money in those, like, growth investments, things like Australian shares, international shares, listed property, and commodities like gold and silver, and then only about 20% in low risk defensive investments.","start":398.635,"end":420.285,"sentiment":"neutral","sentiment_score":0.10016468116792582},{"text":"And those growth assets, they're essentially where you see a lot of the market ups and downs.","start":420.425,"end":425.305,"sentiment":"neutral","sentiment_score":0.11558203443008311},{"text":"You do see and see a lot of that as your balance gets bigger.","start":425.305,"end":429.00497,"sentiment":"neutral","sentiment_score":0.23776346551520483},{"text":"And by having more of those investors, you are taking on more risk.","start":429.465,"end":432.96,"sentiment":"neutral","sentiment_score":0.27114792282764727}],"sentiment":"neutral","sentiment_score":0.1365453469659294,"num_words":111,"start":395.995,"end":432.96},{"sentences":[{"text":"So you are hoping for a greater level of return by taking on more risk.","start":433.03998,"end":437.13998,"sentiment":"positive","sentiment_score":0.3787632077932358},{"text":"Because you do only have about four years before realistically accessing super, are you sort of at the point where you're feeling like you wanna maybe not have as much volatility?","start":437.52,"end":448.995,"sentiment":"neutral","sentiment_score":-0.1899451276948375},{"text":"You don't wanna see and feel those ups and downs as drastically.","start":449.055,"end":452.835,"sentiment":"negative","sentiment_score":-0.40665725866953534},{"text":"Is that right?","start":452.975,"end":453.795,"sentiment":"neutral","sentiment_score":-0.09785662094751994},{"text":"Yep.","start":456.655,"end":456.975,"sentiment":"neutral","sentiment_score":0.1255948841571808}],"sentiment":"neutral","sentiment_score":-0.08475343426389079,"num_words":62,"start":433.03998,"end":456.975},{"sentences":[{"text":"Yep.","start":456.975,"end":457.215,"sentiment":"neutral","sentiment_score":0.1715659350156784},{"text":"That's okay.","start":457.215,"end":457.855,"sentiment":"positive","sentiment_score":0.35364510118961334},{"text":"I'm just having a quick look at the risk profile questionnaire.","start":457.855,"end":460.35,"sentiment":"neutral","sentiment_score":0.23867071216756647},{"text":"This is sort of see where you fit and what sort of portfolio we should realistically look at for you.","start":460.35,"end":465.65002,"sentiment":"neutral","sentiment_score":0.2256627708673477},{"text":"Now sorry.","start":466.99002,"end":470.59003,"sentiment":"neutral","sentiment_score":-0.10126954317092896}],"sentiment":"neutral","sentiment_score":0.2170819528400898,"num_words":36,"start":456.975,"end":470.59003},{"sentences":[{"text":"It won't be one second.","start":470.59003,"end":471.71002,"sentiment":"neutral","sentiment_score":-0.19240597784519195},{"text":"My computer's a little bit slow this afternoon.","start":471.71002,"end":473.79,"sentiment":"neutral","sentiment_score":-0.29036055132746696},{"text":"Sorry about that.","start":473.79,"end":474.77002,"sentiment":"neutral","sentiment_score":-0.08883809049924214},{"text":"Say about four four years there.","start":477.925,"end":480.585,"sentiment":"neutral","sentiment_score":-0.047124914824962616},{"text":"Okay.","start":491.62,"end":492.12,"sentiment":"neutral","sentiment_score":0.018659695982933044}],"sentiment":"neutral","sentiment_score":-0.16589210279609845,"num_words":23,"start":470.59003,"end":492.12},{"sentences":[{"text":"Now, realistically, if you did see your super fall in, say, the next three years by about 20% there, Dennis, do you think you would be comfortable working a bit longer waiting for the portfolio to recover, or do you still think you'd be at a point where you're wanting to access the money and take it money out of super?","start":492.5,"end":511.465,"sentiment":"neutral","sentiment_score":-0.1647069015708126},{"text":"How do you think you might feel?","start":511.465,"end":513.005,"sentiment":"neutral","sentiment_score":-0.1127709544130734},{"text":"You would be comfortable waiting?","start":525.39996,"end":526.83997,"sentiment":"neutral","sentiment_score":-0.28249955773353574},{"text":"You probably wouldn't wanna still access the super, and you have to cement losses.","start":526.83997,"end":532.285,"sentiment":"negative","sentiment_score":-0.48732456139155794},{"text":"Yep.","start":536.905,"end":537.305,"sentiment":"neutral","sentiment_score":0.044039398431777954}],"sentiment":"neutral","sentiment_score":-0.21622181734578175,"num_words":88,"start":492.5,"end":537.305},{"sentences":[{"text":"Yep.","start":537.305,"end":537.625,"sentiment":"neutral","sentiment_score":0.06665867567062378},{"text":"That's okay.","start":537.625,"end":538.365,"sentiment":"neutral","sentiment_score":0.20277782529592514},{"text":"That's alright.","start":538.425,"end":539.325,"sentiment":"neutral","sentiment_score":0.1774856150150299},{"text":"So we'll say three, hold, and wait.","start":539.945,"end":542.16,"sentiment":"neutral","sentiment_score":-0.006495856280837741},{"text":"In the event of, say, the ups and downs that we are seeing at the moment, do you consider yourself more comfortable taking a higher level of risk even though you know that there are those downtimes and you may have to wait to access your funds, or are you sort of wanting to reduce the risk and have less returns knowing you're taking less risk as you are getting closer to accessing your super?","start":543.12,"end":564.83496,"sentiment":"neutral","sentiment_score":-0.15177452445030212}],"sentiment":"neutral","sentiment_score":-0.12185488243041367,"num_words":87,"start":537.305,"end":564.83496},{"sentences":[{"text":"Where do you sort of see yourself bidding with those two questions?","start":564.975,"end":567.635,"sentiment":"neutral","sentiment_score":-0.0630134401532511},{"text":"Mhmm.","start":573.63,"end":574.13,"sentiment":"neutral","sentiment_score":-0.025864634662866592},{"text":"You yep.","start":576.11,"end":577.15,"sentiment":"neutral","sentiment_score":0.06914604641497135},{"text":"Yep.","start":577.15,"end":577.39,"sentiment":"neutral","sentiment_score":0.1449207067489624},{"text":"You wanted to stay in that kind of growth environment for the time being?","start":577.39,"end":580.77,"sentiment":"neutral","sentiment_score":0.08291914580123765}],"sentiment":"neutral","sentiment_score":0.02206849747647842,"num_words":30,"start":564.975,"end":580.77},{"sentences":[{"text":"Yep.","start":582.825,"end":583.145,"sentiment":"neutral","sentiment_score":0.20785579085350037},{"text":"That's okay.","start":583.145,"end":583.705,"sentiment":"neutral","sentiment_score":0.3275652080774307},{"text":"And, look, there's nothing wrong with that.","start":583.705,"end":585.22504,"sentiment":"neutral","sentiment_score":0.19248302174465998},{"text":"That's absolutely fine.","start":585.22504,"end":586.60504,"sentiment":"positive","sentiment_score":0.5283476412296295},{"text":"It's just the biggest side of it is that you are you do have more of those growth investments.","start":586.74506,"end":591.24506,"sentiment":"neutral","sentiment_score":0.05370265265044413}],"sentiment":"neutral","sentiment_score":0.15049252135213464,"num_words":32,"start":582.825,"end":591.24506},{"sentences":[{"text":"So because we have seen more of those ups and downs this year with what's sort of happening in the market, you can see more of a downturn.","start":591.385,"end":600.66003,"sentiment":"neutral","sentiment_score":-0.11385048766221319},{"text":"And it's important to kind of understand that that is a risk we do take.","start":601.36,"end":605.3,"sentiment":"neutral","sentiment_score":-0.16385846038659413},{"text":"If you decide during a downturn that you still wanna access those funds and stop working, then we are cementing losses.","start":605.84,"end":613.34503,"sentiment":"neutral","sentiment_score":-0.19936865993908473},{"text":"However, if you're, you know, seeing a downturn, you go, hey.","start":614.125,"end":617.805,"sentiment":"neutral","sentiment_score":-0.10396340557120064},{"text":"Look.","start":617.805,"end":618.045,"sentiment":"neutral","sentiment_score":0.011558108031749724}],"sentiment":"neutral","sentiment_score":-0.1442693654251726,"num_words":76,"start":591.385,"end":618.045},{"sentences":[{"text":"I'm happy to hold on for maybe another six to twelve months before I start to access that money.","start":618.045,"end":622.785,"sentiment":"neutral","sentiment_score":0.11861635705358103},{"text":"I'm happy just to wait for a bit of recovery, and that's absolutely fine again.","start":622.925,"end":627.36,"sentiment":"positive","sentiment_score":0.3607185463110606},{"text":"The other side of it is, though, Dennis, if you just wanna hold on and keep the growth portfolio for the time being, you're due to have a full annual review in November.","start":627.66,"end":636.16,"sentiment":"neutral","sentiment_score":0.05395914998018381},{"text":"If you wanted me to, I could just do a catch up for you around about November.","start":636.38,"end":641.115,"sentiment":"neutral","sentiment_score":0.05803275217904764},{"text":"We do a full annual review then and see if you wanna look at decreasing your risk profile.","start":641.115,"end":646.095,"sentiment":"neutral","sentiment_score":0.0515564466930098}],"sentiment":"neutral","sentiment_score":0.11136974270145099,"num_words":102,"start":618.045,"end":646.095},{"sentences":[{"text":"Does that sound like something you're open to, or what do you feel?","start":646.15497,"end":649.695,"sentiment":"neutral","sentiment_score":0.03944784374191211},{"text":"Yep.","start":653.81,"end":654.13,"sentiment":"neutral","sentiment_score":0.15553224086761477},{"text":"Yep.","start":654.13,"end":654.45,"sentiment":"neutral","sentiment_score":0.14076417684555054},{"text":"That's okay.","start":654.45,"end":655.25,"sentiment":"neutral","sentiment_score":0.15520184487104416},{"text":"So we'll make it November.","start":655.25,"end":656.45,"sentiment":"neutral","sentiment_score":0.08130744099617004}],"sentiment":"neutral","sentiment_score":0.06936633095822552,"num_words":22,"start":646.15497,"end":656.45},{"sentences":[{"text":"Would you like me to do a catch up with you in between now and November, say, maybe August just to sort of catch up and see how things are going to give you the opportunity to tell me to look at reducing risk in that time frame if you're uncomfortable.","start":656.45,"end":671.09503,"sentiment":"neutral","sentiment_score":0.07585003219690978},{"text":"Yeah.","start":674.755,"end":675.255,"sentiment":"neutral","sentiment_score":0.078475221991539},{"text":"You you can talk to me as much or as little as you want.","start":675.315,"end":678.535,"sentiment":"neutral","sentiment_score":0.09363371825643949},{"text":"Into the investment?","start":693.115,"end":694.095,"sentiment":"neutral","sentiment_score":-0.0723469890654087},{"text":"Yep.","start":698.075,"end":698.575,"sentiment":"neutral","sentiment_score":0.0736541748046875}],"sentiment":"neutral","sentiment_score":0.07306160181760787,"num_words":70,"start":656.45,"end":698.575},{"sentences":[{"text":"Yep.","start":699.355,"end":699.855,"sentiment":"neutral","sentiment_score":0.14657965302467346},{"text":"Yeah.","start":704.52,"end":705.02,"sentiment":"neutral","sentiment_score":0.05952475219964981},{"text":"Building.","start":705.4,"end":705.9,"sentiment":"neutral","sentiment_score":0.07863713800907135},{"text":"Yeah.","start":705.96,"end":706.36,"sentiment":"neutral","sentiment_score":0.1557629406452179},{"text":"Absolutely.","start":706.36,"end":706.86,"sentiment":"neutral","sentiment_score":0.3095623254776001}],"sentiment":"neutral","sentiment_score":0.15001336187124253,"num_words":5,"start":699.355,"end":706.86},{"sentences":[{"text":"Not a problem at all.","start":707.64,"end":709.10004,"sentiment":"neutral","sentiment_score":0.3179507374763489},{"text":"Well, so what I can do is I mean, you've mentioned to me you're happy to stay where you are for the time being.","start":709.24,"end":714.52,"sentiment":"neutral","sentiment_score":0.2874189267555873},{"text":"You are still going through, obviously, speak speaking to your doctors and seeing what's gonna happen moving forward treatment wise for you.","start":714.52,"end":721.675,"sentiment":"neutral","sentiment_score":0.1386563703417778},{"text":"If you are happy to stay where you are, which is absolutely fine, I can do a catch up with you.","start":722.615,"end":727.175,"sentiment":"positive","sentiment_score":0.4104228488036564},{"text":"I'll get the team to give you a call in early August to book you in for another catch up to see how things are going.","start":727.175,"end":732.155,"sentiment":"neutral","sentiment_score":0.21378593204113153}],"sentiment":"neutral","sentiment_score":0.26240369525490975,"num_words":98,"start":707.64,"end":732.155},{"sentences":[{"text":"You can let me know in the meantime.","start":732.44,"end":734.2,"sentiment":"neutral","sentiment_score":0.05669689178466797},{"text":"If anything happens in the meantime, you go, hey.","start":734.2,"end":736.12,"sentiment":"neutral","sentiment_score":-0.011554517265823152},{"text":"I'm not comfortable anymore.","start":736.12,"end":737.24,"sentiment":"neutral","sentiment_score":-0.25216398388147354},{"text":"I don't wanna sit in this environment.","start":737.24,"end":739.0,"sentiment":"neutral","sentiment_score":-0.1755798842225756},{"text":"I just wanna talk to you.","start":739.0,"end":740.45996,"sentiment":"neutral","sentiment_score":0.06345141182343166}],"sentiment":"neutral","sentiment_score":-0.044335946331129354,"num_words":34,"start":732.44,"end":740.45996},{"sentences":[{"text":"Just give us a call, and the girls will book you in straight away to meet with me.","start":740.51996,"end":744.27997,"sentiment":"neutral","sentiment_score":0.16726062902145916},{"text":"It's not a problem at all.","start":744.27997,"end":745.635,"sentiment":"neutral","sentiment_score":0.17727835973103842},{"text":"But then I can do a catch up with you in August, see how things are progressing, see how your house is going.","start":745.955,"end":751.495,"sentiment":"neutral","sentiment_score":0.18431565197913544},{"text":"And then, you know, when you get to November to get annual review, we can then again do the risk profile and assess your risk level then as well.","start":752.275,"end":759.89996,"sentiment":"neutral","sentiment_score":0.12817791271312484},{"text":"Okay?","start":759.89996,"end":760.39996,"sentiment":"neutral","sentiment_score":0.08118098974227905}],"sentiment":"neutral","sentiment_score":0.15729820694435726,"num_words":77,"start":740.51996,"end":760.39996},{"sentences":[{"text":"Does that sound okay with you?","start":760.54,"end":761.89996,"sentiment":"neutral","sentiment_score":0.09713510982692242},{"text":"Or yeah.","start":761.89996,"end":765.27997,"sentiment":"neutral","sentiment_score":0.1553913839161396},{"text":"Beautiful.","start":765.42,"end":765.92,"sentiment":"positive","sentiment_score":0.44435709714889526},{"text":"Yeah.","start":768.77997,"end":769.27997,"sentiment":"neutral","sentiment_score":0.05675649270415306},{"text":"Yeah.","start":779.515,"end":779.835,"sentiment":"neutral","sentiment_score":0.2044459581375122}],"sentiment":"neutral","sentiment_score":0.14537754316221585,"num_words":11,"start":760.54,"end":779.835},{"sentences":[{"text":"Yeah.","start":779.835,"end":780.335,"sentiment":"neutral","sentiment_score":0.3089580833911896},{"text":"Absolutely.","start":780.475,"end":780.975,"sentiment":"positive","sentiment_score":0.5027728080749512},{"text":"Look.","start":781.595,"end":781.755,"sentiment":"neutral","sentiment_score":0.31299272179603577},{"text":"It's not doing badly at the moment.","start":781.755,"end":783.51,"sentiment":"neutral","sentiment_score":-0.08331737560885293},{"text":"Has been a bit up and down, but if you are able to put some money into it, even if you wanna not make it a thousand dollars each time, just maybe make it 500 in smaller increments on more of a regular basis, that can absolutely help you as well.","start":783.51,"end":797.69,"sentiment":"positive","sentiment_score":0.3911239478517981}],"sentiment":"positive","sentiment_score":0.3358823495810149,"num_words":61,"start":779.835,"end":797.69},{"sentences":[{"text":"And it means that you keep a little bit back for yourself in case you need that buffer for your medical appointments and things like that as 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correct.","start":844.14,"end":845.04,"sentiment":"neutral","sentiment_score":0.12618006020784378},{"text":"Yeah.","start":845.1,"end":845.6,"sentiment":"neutral","sentiment_score":0.0792246162891388},{"text":"Yeah.","start":845.9,"end":846.4,"sentiment":"neutral","sentiment_score":0.08599245548248291},{"text":"Yeah.","start":852.21497,"end":852.615,"sentiment":"neutral","sentiment_score":0.1644236445426941},{"text":"Absolutely.","start":852.615,"end":853.115,"sentiment":"neutral","sentiment_score":0.2379043847322464}],"sentiment":"neutral","sentiment_score":0.13665087024370828,"num_words":6,"start":844.14,"end":853.115},{"sentences":[{"text":"And that's what dollar cost averaging is.","start":853.255,"end":855.095,"sentiment":"neutral","sentiment_score":0.21083908634526388},{"text":"It's putting a regular amount of money in no matter what the market's doing.","start":855.095,"end":859.495,"sentiment":"neutral","sentiment_score":0.24747915033783233},{"text":"That way, if you put, you know, 500 in or a thousand dollars in and it's one period, the market then takes a bit of a dip.","start":859.495,"end":866.08,"sentiment":"neutral","sentiment_score":0.1425113813192756},{"text":"You put another thousand in at the next interval.","start":866.08,"end":868.24005,"sentiment":"neutral","sentiment_score":0.09306905170281728},{"text":"The market takes a bit of a rise and do the same thing again.","start":868.24005,"end":871.14,"sentiment":"neutral","sentiment_score":0.15778408039893424}],"sentiment":"neutral","sentiment_score":0.16668996613630108,"num_words":71,"start":853.255,"end":871.14},{"sentences":[{"text":"You do.","start":871.44,"end":871.76,"sentiment":"neutral","sentiment_score":0.32399243116378784},{"text":"You take advantage of the ups and downs without meaning to you're not trying to pick the market.","start":871.76,"end":876.335,"sentiment":"neutral","sentiment_score":0.26722559622592396},{"text":"You're just investing at regular intervals and dollar cost 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it?","start":1378.3301,"end":1380.49,"sentiment":"neutral","sentiment_score":-0.12338347733020782},{"text":"It doesn't have the same impact.","start":1380.49,"end":1381.87,"sentiment":"neutral","sentiment_score":-0.11112107833226521},{"text":"No.","start":1385.6901,"end":1386.1901,"sentiment":"neutral","sentiment_score":-0.2082675993442535},{"text":"No.","start":1386.41,"end":1386.91,"sentiment":"neutral","sentiment_score":-0.21970073878765103},{"text":"Oh.","start":1394.265,"end":1394.7451,"sentiment":"neutral","sentiment_score":-0.12976038455963135}],"sentiment":"neutral","sentiment_score":-0.13008958890157588,"num_words":17,"start":1378.3301,"end":1394.7451},{"sentences":[{"text":"Oh, no.","start":1394.7451,"end":1395.405,"sentiment":"neutral","sentiment_score":-0.17546644806861875},{"text":"No.","start":1402.025,"end":1402.525,"sentiment":"neutral","sentiment_score":-0.07710417360067368},{"text":"Yeah.","start":1404.62,"end":1404.7,"sentiment":"neutral","sentiment_score":0.0048330603167414665},{"text":"No.","start":1404.7,"end":1405.02,"sentiment":"neutral","sentiment_score":-0.02537720650434494},{"text":"That's absolutely fine.","start":1405.02,"end":1406.62,"sentiment":"neutral","sentiment_score":0.16772563755512238}],"sentiment":"neutral","sentiment_score":0.0068244620924815605,"num_words":8,"start":1394.7451,"end":1406.62},{"sentences":[{"text":"Well, hopefully, it all goes well.","start":1406.62,"end":1408.78,"sentiment":"positive","sentiment_score":0.4427593946456909},{"text":"And, yeah, look, we'll do a catch up in it's about two months.","start":1408.78,"end":1412.24,"sentiment":"neutral","sentiment_score":0.08087982523899812},{"text":"Well, just over a month away to August.","start":1412.54,"end":1414.7999,"sentiment":"neutral","sentiment_score":0.001023074029944837},{"text":"We're at the end of June now.","start":1414.94,"end":1416.46,"sentiment":"neutral","sentiment_score":0.01080180358673845},{"text":"It's Insane how fast this year is going.","start":1416.46,"end":1418.875,"sentiment":"neutral","sentiment_score":0.042108462104806677}],"sentiment":"neutral","sentiment_score":0.09830140500395958,"num_words":42,"start":1406.62,"end":1418.875},{"sentences":[{"text":"And then, yeah, in as I said, in the meantime, if there's anything you need, it doesn't matter what it is, any questions you have, any concerns.","start":1419.495,"end":1425.575,"sentiment":"neutral","sentiment_score":0.07307937410142687},{"text":"If you hear something that's concerning you adopt an appointment that comes out a little bit, you know, bizarre or you're starting to feel a bit uneasy, just pick up the phone and let the girls know they'll book you in with me.","start":1425.575,"end":1436.11,"sentiment":"neutral","sentiment_score":-0.07126804897669962},{"text":"Often, if you call in and I'm available, I'll take the call off the customer.","start":1436.11,"end":1439.97,"sentiment":"neutral","sentiment_score":-0.10276220341523488},{"text":"Just, you know, let me know if anything, but I'll make sure we touch base in August and see how things are going, maybe reevaluate where you're at, and then again in November.","start":1440.51,"end":1449.6649,"sentiment":"neutral","sentiment_score":0.08194977420410424},{"text":"So we keep regular contact.","start":1449.725,"end":1451.6649,"sentiment":"neutral","sentiment_score":0.14507976770401002}],"sentiment":"neutral","sentiment_score":0.006479067729816325,"num_words":123,"start":1419.495,"end":1451.6649},{"sentences":[{"text":"And that way, when and if you start to feel nervous, you wanna take less risk, we can make that action nice and quick for you.","start":1452.125,"end":1458.4501,"sentiment":"neutral","sentiment_score":0.14050858510801426},{"text":"Okay?","start":1458.4501,"end":1458.9501,"sentiment":"neutral","sentiment_score":0.03442021831870079},{"text":"Yeah.","start":1460.77,"end":1461.27,"sentiment":"neutral","sentiment_score":0.08852899819612503},{"text":"That's okay.","start":1462.61,"end":1463.41,"sentiment":"neutral","sentiment_score":0.28013939410448074},{"text":"That's alright.","start":1463.41,"end":1464.21,"sentiment":"neutral","sentiment_score":0.1772702932357788}],"sentiment":"neutral","sentiment_score":0.1465934938751161,"num_words":32,"start":1452.125,"end":1464.21},{"sentences":[{"text":"Do you have any other questions, concerns, or anything else that you want me to kinda follow-up for you at the moment?","start":1464.21,"end":1469.41,"sentiment":"neutral","sentiment_score":0.0487862221727317},{"text":"Or Yeah.","start":1469.41,"end":1485.88,"sentiment":"neutral","sentiment_score":-0.015190575737506151},{"text":"It's still up.","start":1487.2201,"end":1488.42,"sentiment":"neutral","sentiment_score":0.18663619458675385},{"text":"It's definitely still up.","start":1488.42,"end":1489.78,"sentiment":"positive","sentiment_score":0.336119182407856},{"text":"So you've still made some money.","start":1489.78,"end":1491.38,"sentiment":"positive","sentiment_score":0.4491549879312515}],"sentiment":"neutral","sentiment_score":0.15249272911633188,"num_words":37,"start":1464.21,"end":1491.38},{"sentences":[{"text":"I just had a quick look at those for you.","start":1491.38,"end":1493.62,"sentiment":"neutral","sentiment_score":0.3318553030490875},{"text":"So you're super in the last three months.","start":1493.62,"end":1496.12,"sentiment":"positive","sentiment_score":0.5891951769590378},{"text":"You're up by 6.24% net of fees, which is great.","start":1496.445,"end":1501.505,"sentiment":"positive","sentiment_score":0.6516740322113037},{"text":"And I would just have a look at the investment for you.","start":1502.845,"end":1506.705,"sentiment":"neutral","sentiment_score":0.03859346189225713},{"text":"Sorry.","start":1508.38,"end":1508.62,"sentiment":"neutral","sentiment_score":-0.034724071621894836}],"sentiment":"positive","sentiment_score":0.36529883510637573,"num_words":41,"start":1491.38,"end":1508.62},{"sentences":[{"text":"Just gonna go back to the other screen then.","start":1508.62,"end":1510.7999,"sentiment":"neutral","sentiment_score":-0.022460538273056347},{"text":"Have a look.","start":1516.38,"end":1516.94,"sentiment":"neutral","sentiment_score":0.010533167980611324},{"text":"So the investment value is at 20,117.","start":1516.94,"end":1521.28,"sentiment":"neutral","sentiment_score":0.0055074697094304225},{"text":"So it is a little bit low from where it was last time we spoke, but it is still up.","start":1522.155,"end":1526.9551,"sentiment":"neutral","sentiment_score":0.001902596279978752},{"text":"You still got more than the 20,000 you put in, which is capital.","start":1526.9551,"end":1530.255,"sentiment":"neutral","sentiment_score":0.06443842471792148}],"sentiment":"neutral","sentiment_score":0.014303046045824885,"num_words":52,"start":1508.62,"end":1530.255},{"sentences":[{"text":"And you've made, yep.","start":1531.355,"end":1535.23,"sentiment":"neutral","sentiment_score":-0.0939835887402296},{"text":"Sorry.","start":1535.23,"end":1535.73,"sentiment":"neutral","sentiment_score":-0.10120187699794768},{"text":"Yep.","start":1543.7899,"end":1544.2899,"sentiment":"neutral","sentiment_score":0.030812934041023254},{"text":"Yeah.","start":1544.4299,"end":1544.9099,"sentiment":"neutral","sentiment_score":0.04613803327083587},{"text":"So you ended up with initial value of 19,290 and $14 in earnings.","start":1544.9099,"end":1559.0549,"sentiment":"neutral","sentiment_score":0.09846868136754403}],"sentiment":"neutral","sentiment_score":0.04399537965655327,"num_words":20,"start":1531.355,"end":1559.0549},{"sentences":[{"text":"That's the growth and income.","start":1559.0549,"end":1561.315,"sentiment":"neutral","sentiment_score":0.25785941779613497},{"text":"So, yeah, they're both doing well at the moment, and that's in the last three months for your investment as well.","start":1561.5349,"end":1567.22,"sentiment":"neutral","sentiment_score":0.27056366489047096},{"text":"So you are up in both aspects at the moment.","start":1567.22,"end":1569.64,"sentiment":"neutral","sentiment_score":0.2608715072274208},{"text":"And, yeah, when and if you're able to pop some money into the investment, we'll keep monitoring that for you.","start":1570.1,"end":1575.32,"sentiment":"neutral","sentiment_score":0.1570139229297638},{"text":"If you want even just next month, I can just generate maybe a report halfway through the month and send it through once we sort of see some money going in.","start":1575.645,"end":1583.885,"sentiment":"neutral","sentiment_score":0.11644713772881415}],"sentiment":"neutral","sentiment_score":0.18770102128900332,"num_words":87,"start":1559.0549,"end":1583.885},{"sentences":[{"text":"I can generate another one of these reports and send it through to you just via email so you can see the net return and have a bit of a look at things and how it's tracking as well.","start":1583.885,"end":1593.85,"sentiment":"neutral","sentiment_score":0.15088147612718436},{"text":"Did you want me to organize that for you?","start":1593.85,"end":1595.61,"sentiment":"neutral","sentiment_score":0.06636133541663487},{"text":"Yes.","start":1595.61,"end":1596.11,"sentiment":"neutral","sentiment_score":0.07481623440980911},{"text":"Absolutely.","start":1599.77,"end":1600.27,"sentiment":"neutral","sentiment_score":0.25764089822769165},{"text":"I'll generate it probably mid July.","start":1600.49,"end":1602.57,"sentiment":"neutral","sentiment_score":0.2209115376075109}],"sentiment":"neutral","sentiment_score":0.1453492133212941,"num_words":56,"start":1583.885,"end":1602.57},{"sentences":[{"text":"That way, some money can go in.","start":1602.57,"end":1604.17,"sentiment":"neutral","sentiment_score":0.2267375247819083},{"text":"We can be compounding that a little bit.","start":1604.17,"end":1606.365,"sentiment":"neutral","sentiment_score":0.2110015843063593},{"text":"And then I can generate another one of these little reports for you and send an email through just to the, hey.","start":1606.665,"end":1611.785,"sentiment":"neutral","sentiment_score":0.16473666646263815},{"text":"Here's the report.","start":1611.785,"end":1612.745,"sentiment":"neutral","sentiment_score":0.13758458693822226},{"text":"This is what it's showing.","start":1612.745,"end":1613.945,"sentiment":"neutral","sentiment_score":0.14497411549091338}],"sentiment":"neutral","sentiment_score":0.17860014107492234,"num_words":45,"start":1602.57,"end":1613.945},{"sentences":[{"text":"This is how it, you know, it is at the moment, and then you can always let me know if you have additional questions there.","start":1613.945,"end":1619.225,"sentiment":"neutral","sentiment_score":0.1169070465862751},{"text":"Okay.","start":1619.225,"end":1619.725,"sentiment":"neutral","sentiment_score":0.07202383875846863},{"text":"Yep.","start":1621.28,"end":1621.78,"sentiment":"neutral","sentiment_score":0.23770934343338013},{"text":"Fantastic.","start":1622.32,"end":1622.82,"sentiment":"positive","sentiment_score":0.6871213912963867},{"text":"I can do that.","start":1622.96,"end":1623.6,"sentiment":"positive","sentiment_score":0.5626218765974045}],"sentiment":"neutral","sentiment_score":0.19281307014171034,"num_words":32,"start":1613.945,"end":1623.6},{"sentences":[{"text":"Not a problem at all.","start":1623.6,"end":1624.72,"sentiment":"positive","sentiment_score":0.4159358501434326},{"text":"I'll pop it in for the middle of July.","start":1624.72,"end":1626.66,"sentiment":"positive","sentiment_score":0.34113960795932347},{"text":"Easy.","start":1626.88,"end":1627.38,"sentiment":"positive","sentiment_score":0.4279940128326416},{"text":"That's okay.","start":1629.68,"end":1630.5,"sentiment":"neutral","sentiment_score":0.24517804384231567},{"text":"That's not a problem at all.","start":1630.72,"end":1632.24,"sentiment":"positive","sentiment_score":0.5863324900468191}],"sentiment":"positive","sentiment_score":0.4167948157890983,"num_words":23,"start":1623.6,"end":1632.24},{"sentences":[{"text":"Always here and happy to help, Dennis.","start":1632.24,"end":1634.08,"sentiment":"positive","sentiment_score":0.8138574532100132},{"text":"It's good to see things on the upward and, yeah, to see look after your health.","start":1634.08,"end":1638.295,"sentiment":"positive","sentiment_score":0.7597260922193527},{"text":"It's something as you've been on my mind.","start":1638.295,"end":1640.455,"sentiment":"positive","sentiment_score":0.6526964828372002},{"text":"That's for sure.","start":1640.455,"end":1641.095,"sentiment":"positive","sentiment_score":0.4647925893465678},{"text":"I've been thinking about you and hoping that you're all okay and hoping those doctor's appointments are going well for you because, yeah, it's a lot to deal with at the moment.","start":1641.095,"end":1649.035,"sentiment":"neutral","sentiment_score":0.3129106519045308}],"sentiment":"positive","sentiment_score":0.5224501536312428,"num_words":66,"start":1632.24,"end":1649.035},{"sentences":[{"text":"So Two weeks.","start":1649.175,"end":1654.6,"sentiment":"neutral","sentiment_score":0.013631371781229973},{"text":"I hope it all goes well.","start":1655.2999,"end":1657.08,"sentiment":"neutral","sentiment_score":0.19850407044092813},{"text":"Yeah.","start":1657.38,"end":1657.88,"sentiment":"neutral","sentiment_score":0.023258982226252556},{"text":"No.","start":1663.635,"end":1664.135,"sentiment":"neutral","sentiment_score":-0.07271961122751236},{"text":"Absolutely.","start":1664.275,"end":1664.775,"sentiment":"neutral","sentiment_score":0.0002595614641904831}],"sentiment":"neutral","sentiment_score":0.09855978920434912,"num_words":12,"start":1649.175,"end":1664.775},{"sentences":[{"text":"Absolutely.","start":1666.835,"end":1667.335,"sentiment":"neutral","sentiment_score":0.039702482521533966},{"text":"But now, look, you're always on always in the back of our mind, and we'll make sure we keep checking in with you.","start":1667.7949,"end":1672.9149,"sentiment":"neutral","sentiment_score":0.018186636633523132},{"text":"Okay.","start":1672.9149,"end":1673.4149,"sentiment":"neutral","sentiment_score":0.048524409532547},{"text":"That's okay.","start":1676.13,"end":1676.77,"sentiment":"neutral","sentiment_score":0.318952277302742},{"text":"That's not a problem at all.","start":1676.77,"end":1678.47,"sentiment":"neutral","sentiment_score":0.3156871646642685}],"sentiment":"neutral","sentiment_score":0.09207718415806691,"num_words":33,"start":1666.835,"end":1678.47},{"sentences":[{"text":"I will probably just let you go for the afternoon now so you can have a bit of a rest, but I'll make sure I fill up with a report next month for you for your sleep and your investment.","start":1679.09,"end":1687.11,"sentiment":"neutral","sentiment_score":0.23037976175546646},{"text":"And I will make sure we book you in in August for a bit of a catch up to see how things are tracking.","start":1687.615,"end":1691.955,"sentiment":"neutral","sentiment_score":0.1952926591038704},{"text":"Okay.","start":1692.1749,"end":1692.6749,"sentiment":"neutral","sentiment_score":0.1504635214805603},{"text":"Okay.","start":1694.975,"end":1695.475,"sentiment":"neutral","sentiment_score":0.16415008902549744},{"text":"No worries at all.","start":1695.7749,"end":1696.815,"sentiment":"neutral","sentiment_score":0.16876734420657158}],"sentiment":"neutral","sentiment_score":0.2127413896577699,"num_words":70,"start":1679.09,"end":1696.815},{"sentences":[{"text":"And as I said, call me if there's any changes or anything else that you need from me.","start":1696.815,"end":1700.7201,"sentiment":"neutral","sentiment_score":0.19934562924835417},{"text":"I'm always, you know, always happy to help.","start":1700.7201,"end":1702.4,"sentiment":"positive","sentiment_score":0.4679579958319664},{"text":"And if I'm not on the phone, I'll take the call off the cuff for you.","start":1702.4,"end":1705.28,"sentiment":"neutral","sentiment_score":0.06907128496095538},{"text":"Okay?","start":1705.28,"end":1705.78,"sentiment":"neutral","sentiment_score":0.05110699310898781},{"text":"Not a problem at all, Dennis.","start":1709.6001,"end":1711.28,"sentiment":"neutral","sentiment_score":0.24314711739619574}],"sentiment":"neutral","sentiment_score":0.20300031734668478,"num_words":49,"start":1696.815,"end":1711.28},{"sentences":[{"text":"What do you got for the afternoon?","start":1711.28,"end":1712.4,"sentiment":"neutral","sentiment_score":0.08805952540465764},{"text":"You just got home?","start":1712.4,"end":1713.28,"sentiment":"neutral","sentiment_score":0.09367712959647179},{"text":"You're ready to sit down and relax a little bit?","start":1713.28,"end":1715.845,"sentiment":"neutral","sentiment_score":0.18870280236005782},{"text":"Oh, lovely.","start":1719.985,"end":1720.565,"sentiment":"positive","sentiment_score":0.46722155809402466},{"text":"Oh, lovely.","start":1724.3849,"end":1725.365,"sentiment":"positive","sentiment_score":0.5761995911598206}],"sentiment":"neutral","sentiment_score":0.19859982073307036,"num_words":25,"start":1711.28,"end":1725.365},{"sentences":[{"text":"That's so good.","start":1725.5049,"end":1726.5,"sentiment":"positive","sentiment_score":0.462215634683768},{"text":"Well, I will let you go so you can spend some time with him, but thank you so much for taking my call this afternoon.","start":1726.5,"end":1731.86,"sentiment":"positive","sentiment_score":0.44618808567523954},{"text":"I I appreciate your time.","start":1731.86,"end":1733.72,"sentiment":"positive","sentiment_score":0.6000038862228394},{"text":"It's awkward.","start":1739.205,"end":1740.105,"sentiment":"neutral","sentiment_score":-0.23614118248224258},{"text":"It is.","start":1745.0449,"end":1745.6849,"sentiment":"neutral","sentiment_score":0.07068413496017456}],"sentiment":"positive","sentiment_score":0.4110933616757393,"num_words":37,"start":1725.5049,"end":1745.6849},{"sentences":[{"text":"Yeah.","start":1745.6849,"end":1746.085,"sentiment":"neutral","sentiment_score":0.12114514410495758},{"text":"Absolutely.","start":1746.085,"end":1746.585,"sentiment":"neutral","sentiment_score":0.18769994378089905},{"text":"Yep.","start":1747.125,"end":1747.625,"sentiment":"neutral","sentiment_score":0.15919944643974304},{"text":"Alright.","start":1749.205,"end":1749.605,"sentiment":"neutral","sentiment_score":0.3286547362804413},{"text":"All good.","start":1749.605,"end":1750.345,"sentiment":"positive","sentiment_score":0.5030767768621445}],"sentiment":"neutral","sentiment_score":0.30047547072172165,"num_words":6,"start":1745.6849,"end":1750.345},{"sentences":[{"text":"My pleasure.","start":1750.4049,"end":1751.125,"sentiment":"positive","sentiment_score":0.5613742768764496},{"text":"Well, you have a lovely afternoon.","start":1751.125,"end":1752.825,"sentiment":"positive","sentiment_score":0.6624330679575602},{"text":"No worries, Dennis.","start":1755.36,"end":1756.5,"sentiment":"neutral","sentiment_score":0.14053832491238913},{"text":"You have a great one.","start":1756.6399,"end":1757.6,"sentiment":"positive","sentiment_score":0.5516129612922669},{"text":"I'll talk to you soon.","start":1757.6,"end":1758.82,"sentiment":"neutral","sentiment_score":0.22014748752117158}],"sentiment":"positive","sentiment_score":0.44656019906202954,"num_words":21,"start":1750.4049,"end":1758.82},{"sentences":[{"text":"See you later.","start":1760.8799,"end":1761.5199,"sentiment":"neutral","sentiment_score":0.14431517819563547},{"text":"Bye.","start":1761.5199,"end":1762.0199,"sentiment":"neutral","sentiment_score":0.11857616901397704}],"sentiment":"neutral","sentiment_score":0.13788042590022087,"num_words":4,"start":1760.8799,"end":1762.0199}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. That's good. It is. Yeah. Well, hang on. Yay. That should be better. Yeah. Yeah. Yep. Full name, Dennis Jones Holden, thirtieth of March 1968, and Unit 81, Number 4, Appland Street, Townsville. 66 Wallace Street, Coolamon. The North well, I think it was Friday the nineteenth or something. Yeah. No. I've got another I've got another appointment to go and see go and get a see pictures done of me. I've got one. They've they've found it. I have got one. So, yeah, it's sorta yes. I've got an aneurysm. I said, well, okay. Let's get rid of it. And I said, no. We we're not gonna do anything we're not gonna do anything until it gets to 55 millimeters long. It's 40 or something. So, you know, I I just sort of went, oh, well, let's get rid of it. And I said, no. No. We don't operate unless it's this big. So I'm back to square one. Don't lift anything heavy. You know, try not to stress. Blah blah blah blah blah. All the all the, you know, all the boring stuff again. But Yeah. 55, apparently. So, yeah, they wouldn't and I said, look, man. I've got private health insurance. Let's just do it. And he said, no. I'm not gonna do it. So I I can't do anything about that. So it has rearranged my thinking, though, a little bit. And as far as I'm I'm I'm not gonna I'm not gonna make it to 65 to retire. I I know that. You know, I might be semi retired by then and still working a bit casual. But but I yeah. I won't be doing full time sort of stuff. And, you know, I got offered an easier job last last week with Roadtec. But the money unless I go away and do ten day stints away from home, I don't make anywhere near as much money. So I'd be working less hard, but I'd be spending more hours at work, you know, ten hour days instead of eight hour days and all that sort of and that's just working harder again regard regardless of how how easy the work is. Yeah. Yeah. Well, that's the other thing too. You know? Like, I pay for a house to rent to to live in. And if you're only gonna be home if you're away ten days and only home for four, what the hell are you paying rent for? And, you know, if I owned me boat now, that that would probably be perfect. But I don't own me boat yet. So, you know, I'm I'm I'm back at that same track of, you know, wait until I buy me a boat. So, yeah, that's what I'm thinking sort of more of the the the sixty sixty two. I I reckon I can push it to 62. Yep. Yeah. Yeah. Okay. Yes. Yep. Yep. Yep. Oh, I'd say so. Yeah. That's alright. No. No bathroom. No. Yeah. That's less storage. Alright. Yeah. Diner. That's hard to say. No. I'd probably end up waiting. I'm gonna put it. That shelves here. That'll turn off this bedroom. Yeah. I I think so, Daniel. Yeah. I'll I'll probably say at the moment, just stay where I am. Yeah. Yeah. Yeah. Yeah. I think so. Yeah. Yeah. I I think that yeah. I I actually that sounds good, actually. Yeah. I suppose. Yeah. No. I I think I'm gonna start dropping, like, a thousand dollar hits into me into me into the investment portfolio thing I've got. And and I'll start building it up a bit as well too. Yep. Yep. Yep. Yep. Yeah. No. That sounds good. Yeah. I'm I'm just thinking, like, I've got that that investment thing there. I might as well start putting money in it and getting something back from it anyway. Yes. Yep. Yep. Yeah. No. Look. I know. Yeah. I'm just sort of like, I'm I'm you you don't get a lot of interest out of the banks. So where I've got my money in the bank now, it might as well be and if I if I drip put it in so I catch the highs and lows, You you where's that whole $20 at the moment is catching every everything? Yeah. I'm I'm I'm hoping that I might be able to balance it out a bit. And and and look, I suppose too, Donna, the superannuation becomes weekly now. Yeah. So for me, that that means I'll be paid weekly. Super. So I'm I'm whilst I'm probably not the happiest where I'm working, at the moment, they have made a change, which I'm hoping is gonna make it better. So I'll give them I'll give them another six months to see how that goes. And because I'm making good money now, like, that I can save, you know, towards me boat. Like, I I I'd actually like to be able to buy me boat without touching any of me super. Even to the point of taking out a bank loan to buy it and then just live on it. So I'm not paying rent as such. You know, you're you're paying a mooring fee, but I've gotta I've gotta pay that anyway. And it's a it's about a $140 a week to live on a boat in a marina. Yeah. Yeah. Yeah. And that gives you, you know, water and electricity and all sorts of stuff. So, you know, to to stay at Kawaena, the Maroon at Kawaena on the Sunny Coast is about it's about 8 and a half grand to live there in the Maroona on your boat twelve months a year. So it's a cheap rent. If you're in your boat and you're out cruising around an island, well, you don't pay rent. If it's a permanent spot, you're allowed to stay there forever. Different if you if you go into a marina anywhere up and down the coast, they will make you pay. Like a it's like a they're they're like a caravan park on water. So you know and and, obviously, when you're out floating around in the ocean out near an island or something, you like, if you went over to Moreton Island, you just drop the you pick a spot and drop the anchor. Oh, yeah. Look. Moreton Island. Nice. I've I've came there before. But, you know, if I can if I can get the money away, I I'm gonna note about a 150,000 to get a a pretty reasonable buck. So with what I've got in the bank and the and the $20 in the in the, up 24 fund, I've got about 80 now that I could wrestle up. So I'm getting close. Yeah. So that's that's sort of what where I'm thinking now. Yeah. So yeah. I think yeah. We might lose things a little bit till as they are until August again. Yep. Yeah. Yep. Yep. Definitely. Yeah. No. Thank you. That's yeah. That's so we've hired a a safety adviser now to be on-site. So I've I've literally told him that one of my biggest worries is now his. I'll help him and everything and support him, but I'm not gonna worry about it too much anymore sort of thing, which I will I will, but, you know, I'm not telling him that. So but, you know, so long as he keeps like, I'll be able to order what he's doing and everything sort of on a weekly basis and and see how we're traveling. No. I still have to go to Seward once every once a month. So I've gotta do yeah. Yeah. Yeah. Well, it's alright at the moment. We've only got one site operating. But when there's two or three, it's a lot more driving. Yeah. Because they get me to drive to the places and, you know, I'm going to Daintree this week. You know, everybody wants to go to the Daintree because it's beautiful and everything else. So I have to go there and work. No. It's not it's not not as nice to look at when you're working there. And there's a five meter crop that just happens to decided that we're we're encroaching on his territory. So he's a problem. But, anyway, we'll fix him. Put fences up or something, stop him. Yeah. Thank you. Yep. Yep. Yeah. No. Right. Thank you, Donna. No. Not really. I think everything's sort of traveling. Well, the last time I was talking to you here a month ago or so ago, my investment had bounced back, and I don't know where it is now. But yep. Yeah. Well, there was no one doing so when I put the 20 in, there was, like, a $100 taken off that for fees or whatever, wasn't there? So we topped over a grand. Yeah. Actually, that doesn't sound too bad. Yeah. Yeah. Yeah. That'd be good. Thanks, Donna. I appreciate it. Yeah. Yeah. Yeah. The next one's in about two weeks' time, I think. So yeah. Oh, well, so not much I can do about it. We'll see what happens. Yeah. No. No. Great. Thanks, Diana. Yeah. No. That'd be great. Yep. Yeah. No. Thank you. No. I do appreciate that. I'm around at my son's new place. I come here to see him and have a look where he's living now in town. So No. No. I appreciate it too, Donnan. Don't worry. It's like yeah. I think everything's working fine at the moment. So oh, thank you. Yeah. Thank you. I will. Okay. See you. 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Yeah. That's good. It is. Yeah.\n\nWell, hang on. Yay. That should be better. Yeah. Yeah.\n\nYep. Full name, Dennis Jones Holden, thirtieth of March 1968, and Unit 81, Number 4, Appland Street, Townsville. 66 Wallace Street, Coolamon. The North well, I think it was Friday the nineteenth or something. Yeah.\n\nNo. I've got another I've got another appointment to go and see go and get a see pictures done of me. I've got one. They've they've found it. I have got one.\n\nSo, yeah, it's sorta yes. I've got an aneurysm. I said, well, okay. Let's get rid of it. And I said, no.\n\nWe we're not gonna do anything we're not gonna do anything until it gets to 55 millimeters long. It's 40 or something. So, you know, I I just sort of went, oh, well, let's get rid of it. And I said, no. No.\n\nWe don't operate unless it's this big. So I'm back to square one. Don't lift anything heavy. You know, try not to stress. Blah blah blah blah blah.\n\nAll the all the, you know, all the boring stuff again. But Yeah. 55, apparently. So, yeah, they wouldn't and I said, look, man. I've got private health insurance.\n\nLet's just do it. And he said, no. I'm not gonna do it. So I I can't do anything about that. So it has rearranged my thinking, though, a little bit.\n\nAnd as far as I'm I'm I'm not gonna I'm not gonna make it to 65 to retire. I I know that. You know, I might be semi retired by then and still working a bit casual. But but I yeah. I won't be doing full time sort of stuff.\n\nAnd, you know, I got offered an easier job last last week with Roadtec. But the money unless I go away and do ten day stints away from home, I don't make anywhere near as much money. So I'd be working less hard, but I'd be spending more hours at work, you know, ten hour days instead of eight hour days and all that sort of and that's just working harder again regard regardless of how how easy the work is. Yeah. Yeah.\n\nWell, that's the other thing too. You know? Like, I pay for a house to rent to to live in. And if you're only gonna be home if you're away ten days and only home for four, what the hell are you paying rent for? And, you know, if I owned me boat now, that that would probably be perfect.\n\nBut I don't own me boat yet. So, you know, I'm I'm I'm back at that same track of, you know, wait until I buy me a boat. So, yeah, that's what I'm thinking sort of more of the the the sixty sixty two. I I reckon I can push it to 62. Yep.\n\nYeah. Yeah. Okay. Yes. Yep.\n\nYep. Yep. Oh, I'd say so. Yeah. That's alright.\n\nNo. No bathroom. No. Yeah. That's less storage.\n\nAlright. Yeah. Diner. That's hard to say. No.\n\nI'd probably end up waiting. I'm gonna put it. That shelves here. That'll turn off this bedroom. Yeah.\n\nI I think so, Daniel. Yeah. I'll I'll probably say at the moment, just stay where I am. Yeah. Yeah.\n\nYeah. Yeah. I think so. Yeah. Yeah.\n\nI I think that yeah. I I actually that sounds good, actually. Yeah. I suppose. Yeah.\n\nNo. I I think I'm gonna start dropping, like, a thousand dollar hits into me into me into the investment portfolio thing I've got. And and I'll start building it up a bit as well too. Yep. Yep.\n\nYep. Yep. Yeah. No. That sounds good.\n\nYeah. I'm I'm just thinking, like, I've got that that investment thing there. I might as well start putting money in it and getting something back from it anyway. Yes. Yep.\n\nYep. Yeah. No. Look. I know.\n\nYeah. I'm just sort of like, I'm I'm you you don't get a lot of interest out of the banks. So where I've got my money in the bank now, it might as well be and if I if I drip put it in so I catch the highs and lows, You you where's that whole $20 at the moment is catching every everything? Yeah. I'm I'm I'm hoping that I might be able to balance it out a bit.\n\nAnd and and look, I suppose too, Donna, the superannuation becomes weekly now. Yeah. So for me, that that means I'll be paid weekly. Super. So I'm I'm whilst I'm probably not the happiest where I'm working, at the moment, they have made a change, which I'm hoping is gonna make it better.\n\nSo I'll give them I'll give them another six months to see how that goes. And because I'm making good money now, like, that I can save, you know, towards me boat. Like, I I I'd actually like to be able to buy me boat without touching any of me super. Even to the point of taking out a bank loan to buy it and then just live on it. So I'm not paying rent as such.\n\nYou know, you're you're paying a mooring fee, but I've gotta I've gotta pay that anyway. And it's a it's about a $140 a week to live on a boat in a marina. Yeah. Yeah. Yeah.\n\nAnd that gives you, you know, water and electricity and all sorts of stuff. So, you know, to to stay at Kawaena, the Maroon at Kawaena on the Sunny Coast is about it's about 8 and a half grand to live there in the Maroona on your boat twelve months a year. So it's a cheap rent. If you're in your boat and you're out cruising around an island, well, you don't pay rent. If it's a permanent spot, you're allowed to stay there forever.\n\nDifferent if you if you go into a marina anywhere up and down the coast, they will make you pay. Like a it's like a they're they're like a caravan park on water. So you know and and, obviously, when you're out floating around in the ocean out near an island or something, you like, if you went over to Moreton Island, you just drop the you pick a spot and drop the anchor. Oh, yeah. Look.\n\nMoreton Island. Nice. I've I've came there before. But, you know, if I can if I can get the money away, I I'm gonna note about a 150,000 to get a a pretty reasonable buck. So with what I've got in the bank and the and the $20 in the in the, up 24 fund, I've got about 80 now that I could wrestle up.\n\nSo I'm getting close. Yeah. So that's that's sort of what where I'm thinking now. Yeah. So yeah.\n\nI think yeah. We might lose things a little bit till as they are until August again. Yep. Yeah. Yep.\n\nYep. Definitely. Yeah. No. Thank you.\n\nThat's yeah. That's so we've hired a a safety adviser now to be on-site. So I've I've literally told him that one of my biggest worries is now his. I'll help him and everything and support him, but I'm not gonna worry about it too much anymore sort of thing, which I will I will, but, you know, I'm not telling him that. So but, you know, so long as he keeps like, I'll be able to order what he's doing and everything sort of on a weekly basis and and see how we're traveling.\n\nNo. I still have to go to Seward once every once a month. So I've gotta do yeah. Yeah. Yeah.\n\nWell, it's alright at the moment. We've only got one site operating. But when there's two or three, it's a lot more driving. Yeah. Because they get me to drive to the places and, you know, I'm going to Daintree this week.\n\nYou know, everybody wants to go to the Daintree because it's beautiful and everything else. So I have to go there and work. No. It's not it's not not as nice to look at when you're working there. And there's a five meter crop that just happens to decided that we're we're encroaching on his territory.\n\nSo he's a problem. But, anyway, we'll fix him. Put fences up or something, stop him. Yeah. Thank you.\n\nYep. Yep. Yeah. No. Right.\n\nThank you, Donna. No. Not really. I think everything's sort of traveling. Well, the last time I was talking to you here a month ago or so ago, my investment had bounced back, and I don't know where it is now.\n\nBut yep. Yeah. Well, there was no one doing so when I put the 20 in, there was, like, a $100 taken off that for fees or whatever, wasn't there? So we topped over a grand. Yeah.\n\nActually, that doesn't sound too bad. Yeah. Yeah. Yeah. That'd be good.\n\nThanks, Donna. I appreciate it. Yeah. Yeah. Yeah.\n\nThe next one's in about two weeks' time, I think. So yeah. Oh, well, so not much I can do about it. We'll see what happens. Yeah.\n\nNo. No. Great. Thanks, Diana. Yeah.\n\nNo. That'd be great. Yep. Yeah. No.\n\nThank you. No. I do appreciate that. I'm around at my son's new place. I come here to see him and have a look where he's living now in town.\n\nSo No. No. I appreciate it too, Donnan. Don't worry. It's like yeah.\n\nI think everything's working fine at the moment. So oh, thank you. Yeah. Thank you. I will.\n\nOkay. See you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.79999995,"end":1.3,"sentiment":"neutral","sentiment_score":0.02814137004315853},{"text":"Yeah.","start":4.56,"end":5.06,"sentiment":"neutral","sentiment_score":0.12330447137355804},{"text":"That's good.","start":5.3599997,"end":6.18,"sentiment":"positive","sentiment_score":0.34158122539520264},{"text":"It is.","start":6.24,"end":7.14,"sentiment":"neutral","sentiment_score":0.16632703691720963},{"text":"Yeah.","start":8.0,"end":8.5,"sentiment":"neutral","sentiment_score":0.10952445864677428}],"sentiment":"neutral","sentiment_score":0.18239811781261647,"num_words":7,"start":0.79999995,"end":8.5},{"sentences":[{"text":"Well, hang on.","start":10.08,"end":11.3,"sentiment":"neutral","sentiment_score":-0.1275628718237082},{"text":"Yay.","start":13.925,"end":14.425,"sentiment":"neutral","sentiment_score":0.26166611909866333},{"text":"That should be 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apparently.","start":174.76001,"end":176.14,"sentiment":"neutral","sentiment_score":-0.03061297070235014},{"text":"So, yeah, they wouldn't and I said, look, man.","start":180.085,"end":183.765,"sentiment":"neutral","sentiment_score":-0.1456882738404804},{"text":"I've got private health insurance.","start":183.765,"end":185.285,"sentiment":"neutral","sentiment_score":-0.18792823255062102}],"sentiment":"neutral","sentiment_score":-0.2000868371206111,"num_words":29,"start":149.47,"end":185.285},{"sentences":[{"text":"Let's just do it.","start":185.285,"end":186.16501,"sentiment":"neutral","sentiment_score":-0.18937919288873672},{"text":"And he said, no.","start":186.16501,"end":187.125,"sentiment":"neutral","sentiment_score":-0.21138474717736244},{"text":"I'm not gonna do it.","start":187.125,"end":188.585,"sentiment":"negative","sentiment_score":-0.4673537611961365},{"text":"So I I can't do anything about 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marina.","start":995.15,"end":1001.09,"sentiment":"neutral","sentiment_score":0.061340885346426684},{"text":"Yeah.","start":1006.195,"end":1006.695,"sentiment":"neutral","sentiment_score":0.04806612432003021},{"text":"Yeah.","start":1006.83496,"end":1007.33496,"sentiment":"neutral","sentiment_score":0.05682426691055298},{"text":"Yeah.","start":1007.475,"end":1007.635,"sentiment":"neutral","sentiment_score":0.07724328339099884}],"sentiment":"neutral","sentiment_score":0.020712728689735133,"num_words":36,"start":986.97504,"end":1007.635},{"sentences":[{"text":"And that gives you, you know, water and electricity and all sorts of stuff.","start":1007.635,"end":1011.65497,"sentiment":"neutral","sentiment_score":0.11490452928202492},{"text":"So, you know, to to stay at Kawaena, the Maroon at Kawaena on the Sunny Coast is about it's about 8 and a half grand to live there in the Maroona on your boat twelve months a year.","start":1015.475,"end":1032.75,"sentiment":"neutral","sentiment_score":0.13740861592324158},{"text":"So it's a cheap rent.","start":1034.855,"end":1036.3151,"sentiment":"neutral","sentiment_score":0.20073480010032654},{"text":"If you're in your boat and you're out cruising around an island, well, you don't pay rent.","start":1038.295,"end":1042.3151,"sentiment":"neutral","sentiment_score":0.08372332681627835},{"text":"If it's a permanent spot, you're allowed to stay there forever.","start":1048.9601,"end":1052.3401,"sentiment":"neutral","sentiment_score":0.02697450015693903}],"sentiment":"neutral","sentiment_score":0.11239859850748497,"num_words":85,"start":1007.635,"end":1052.3401},{"sentences":[{"text":"Different if you if you go into a marina anywhere up and down the coast, they will make you pay.","start":1069.675,"end":1079.28,"sentiment":"neutral","sentiment_score":0.026391875371336936},{"text":"Like a it's like a they're they're like a caravan park on water.","start":1079.28,"end":1083.86,"sentiment":"neutral","sentiment_score":0.01932229696271511},{"text":"So you know and and, obviously, when you're out floating around in the ocean out near an island or something, you like, if you went over to Moreton Island, you just drop the you pick a spot and drop the anchor.","start":1086.64,"end":1102.775,"sentiment":"neutral","sentiment_score":0.0768556907409575},{"text":"Oh, yeah.","start":1115.33,"end":1115.8099,"sentiment":"neutral","sentiment_score":0.09981479495763779},{"text":"Look.","start":1115.8099,"end":1116.13,"sentiment":"neutral","sentiment_score":0.10941190272569656}],"sentiment":"neutral","sentiment_score":0.05505392442808136,"num_words":77,"start":1069.675,"end":1116.13},{"sentences":[{"text":"Moreton Island.","start":1116.13,"end":1116.85,"sentiment":"neutral","sentiment_score":0.09814721718430519},{"text":"Nice.","start":1116.85,"end":1117.1699,"sentiment":"neutral","sentiment_score":0.2779667377471924},{"text":"I've I've came there before.","start":1117.1699,"end":1118.63,"sentiment":"neutral","sentiment_score":0.12440726161003113},{"text":"But, you know, if I can if I can get the money away, I I'm gonna note about a 150,000 to get a a pretty reasonable buck.","start":1121.835,"end":1133.215,"sentiment":"neutral","sentiment_score":0.04096692565966536},{"text":"So with what I've got in the bank and the and the $20 in the in the, up 24 fund, I've got about 80 now that I could wrestle up.","start":1139.26,"end":1155.4651,"sentiment":"neutral","sentiment_score":0.056985525880008936}],"sentiment":"neutral","sentiment_score":0.06018415768272602,"num_words":65,"start":1116.13,"end":1155.4651},{"sentences":[{"text":"So I'm getting close.","start":1157.605,"end":1159.145,"sentiment":"neutral","sentiment_score":0.1860501430928707},{"text":"Yeah.","start":1171.8099,"end":1172.13,"sentiment":"neutral","sentiment_score":0.10386912524700163},{"text":"So that's that's sort of what where I'm thinking now.","start":1172.13,"end":1175.745,"sentiment":"neutral","sentiment_score":0.06997527852654457},{"text":"Yeah.","start":1178.385,"end":1178.885,"sentiment":"neutral","sentiment_score":0.1120137870311737},{"text":"So yeah.","start":1182.625,"end":1183.6849,"sentiment":"neutral","sentiment_score":0.10013094171881676}],"sentiment":"neutral","sentiment_score":0.10333878629737431,"num_words":18,"start":1157.605,"end":1183.6849},{"sentences":[{"text":"I think yeah.","start":1183.745,"end":1186.065,"sentiment":"positive","sentiment_score":0.3729441116253535},{"text":"We might lose things a little bit till as they are until August again.","start":1186.065,"end":1190.165,"sentiment":"neutral","sentiment_score":-0.12622315729303019},{"text":"Yep.","start":1217.58,"end":1218.08,"sentiment":"neutral","sentiment_score":0.124381422996521},{"text":"Yeah.","start":1234.865,"end":1235.345,"sentiment":"neutral","sentiment_score":0.08451925218105316},{"text":"Yep.","start":1235.345,"end":1235.745,"sentiment":"neutral","sentiment_score":0.09593205153942108}],"sentiment":"neutral","sentiment_score":-0.01717295702546835,"num_words":20,"start":1183.745,"end":1235.745},{"sentences":[{"text":"Yep.","start":1235.745,"end":1235.985,"sentiment":"neutral","sentiment_score":0.11939731240272522},{"text":"Definitely.","start":1235.985,"end":1236.485,"sentiment":"neutral","sentiment_score":0.20669275522232056},{"text":"Yeah.","start":1262.325,"end":1262.645,"sentiment":"neutral","sentiment_score":0.023739613592624664},{"text":"No.","start":1262.645,"end":1262.965,"sentiment":"neutral","sentiment_score":0.025045376271009445},{"text":"Thank you.","start":1262.965,"end":1263.705,"sentiment":"neutral","sentiment_score":0.18585102260112762}],"sentiment":"neutral","sentiment_score":0.12442951711515586,"num_words":6,"start":1235.745,"end":1263.705},{"sentences":[{"text":"That's yeah.","start":1281.41,"end":1282.45,"sentiment":"neutral","sentiment_score":0.05367654678411782},{"text":"That's so we've hired a a safety adviser now to be on-site.","start":1282.45,"end":1288.23,"sentiment":"neutral","sentiment_score":0.0773632088676095},{"text":"So I've I've literally told him that one of my biggest worries is now his.","start":1291.125,"end":1296.3451,"sentiment":"neutral","sentiment_score":-0.13535010454555352},{"text":"I'll help him and everything and support him, but I'm not gonna worry about it too much anymore sort of thing, which I will I will, but, you know, I'm not telling him that.","start":1298.405,"end":1311.0599,"sentiment":"neutral","sentiment_score":-0.02151427067377988},{"text":"So but, you know, so long as he keeps like, I'll be able to order what he's doing and everything sort of on a weekly basis and and see how we're traveling.","start":1311.84,"end":1326.505,"sentiment":"neutral","sentiment_score":0.08989799441769719}],"sentiment":"neutral","sentiment_score":0.012112743686884642,"num_words":95,"start":1281.41,"end":1326.505},{"sentences":[{"text":"No.","start":1341.7,"end":1342.02,"sentiment":"neutral","sentiment_score":-0.0778336375951767},{"text":"I still have to go to Seward once every once a month.","start":1342.02,"end":1345.24,"sentiment":"neutral","sentiment_score":-0.048449957743287086},{"text":"So I've gotta do yeah.","start":1348.465,"end":1349.905,"sentiment":"neutral","sentiment_score":-0.015825900062918664},{"text":"Yeah.","start":1349.905,"end":1350.145,"sentiment":"neutral","sentiment_score":-0.007554873824119568},{"text":"Yeah.","start":1350.145,"end":1350.465,"sentiment":"neutral","sentiment_score":-0.004632977768778801}],"sentiment":"neutral","sentiment_score":-0.037527524121105674,"num_words":20,"start":1341.7,"end":1350.465},{"sentences":[{"text":"Well, it's alright at the moment.","start":1350.465,"end":1352.385,"sentiment":"neutral","sentiment_score":-0.01899962779134512},{"text":"We've only got one site operating.","start":1352.385,"end":1354.325,"sentiment":"neutral","sentiment_score":-0.02331266738474369},{"text":"But when there's two or three, it's a lot more driving.","start":1354.465,"end":1360.325,"sentiment":"neutral","sentiment_score":-0.043938899751413955},{"text":"Yeah.","start":1360.385,"end":1360.7849,"sentiment":"neutral","sentiment_score":-0.005912205204367638},{"text":"Because they get me to drive to the places and, you know, I'm going to Daintree this week.","start":1360.7849,"end":1367.9401,"sentiment":"neutral","sentiment_score":0.0506233297702339}],"sentiment":"neutral","sentiment_score":0.004002525293756099,"num_words":42,"start":1350.465,"end":1367.9401},{"sentences":[{"text":"You know, everybody wants to go to the Daintree because it's beautiful and everything else.","start":1370.4,"end":1374.64,"sentiment":"neutral","sentiment_score":0.23073110207915307},{"text":"So I have to go there and work.","start":1374.64,"end":1376.3401,"sentiment":"neutral","sentiment_score":0.05568427289836109},{"text":"No.","start":1381.1649,"end":1381.565,"sentiment":"neutral","sentiment_score":-0.16147786378860474},{"text":"It's not it's not not as nice to look at when you're working there.","start":1381.565,"end":1385.1849,"sentiment":"neutral","sentiment_score":-0.1497100368142128},{"text":"And there's a five meter crop that just happens to decided that we're we're encroaching on his territory.","start":1386.605,"end":1393.65,"sentiment":"neutral","sentiment_score":-0.2319232937362459}],"sentiment":"neutral","sentiment_score":-0.04509994557260403,"num_words":56,"start":1370.4,"end":1393.65},{"sentences":[{"text":"So he's a problem.","start":1395.95,"end":1397.63,"sentiment":"neutral","sentiment_score":-0.24549402855336666},{"text":"But, anyway, we'll fix him.","start":1397.63,"end":1399.25,"sentiment":"neutral","sentiment_score":-0.010347949713468552},{"text":"Put fences up or something, stop him.","start":1401.23,"end":1403.49,"sentiment":"neutral","sentiment_score":-0.07865692462239947},{"text":"Yeah.","start":1417.74,"end":1418.24,"sentiment":"neutral","sentiment_score":0.03820207715034485},{"text":"Thank you.","start":1441.135,"end":1441.955,"sentiment":"neutral","sentiment_score":0.10652826726436615}],"sentiment":"neutral","sentiment_score":-0.07016082755044888,"num_words":19,"start":1395.95,"end":1441.955},{"sentences":[{"text":"Yep.","start":1446.87,"end":1447.37,"sentiment":"neutral","sentiment_score":0.048797085881233215},{"text":"Yep.","start":1452.31,"end":1452.81,"sentiment":"neutral","sentiment_score":0.16950887441635132},{"text":"Yeah.","start":1459.59,"end":1460.09,"sentiment":"neutral","sentiment_score":0.0093491543084383},{"text":"No.","start":1460.15,"end":1460.55,"sentiment":"neutral","sentiment_score":0.0027765538543462753},{"text":"Right.","start":1460.55,"end":1461.015,"sentiment":"neutral","sentiment_score":0.02891555055975914}],"sentiment":"neutral","sentiment_score":0.05186944380402565,"num_words":5,"start":1446.87,"end":1461.015},{"sentences":[{"text":"Thank you, Donna.","start":1461.095,"end":1461.995,"sentiment":"positive","sentiment_score":0.3390125632286072},{"text":"No.","start":1469.975,"end":1470.375,"sentiment":"neutral","sentiment_score":-0.05672747641801834},{"text":"Not really.","start":1470.375,"end":1470.935,"sentiment":"neutral","sentiment_score":-0.07048452645540237},{"text":"I think everything's sort of traveling.","start":1470.935,"end":1472.875,"sentiment":"neutral","sentiment_score":-0.08226692055662473},{"text":"Well, the last time I was talking to you here a month ago or so ago, my investment had bounced back, and I don't know where it is now.","start":1474.67,"end":1486.67,"sentiment":"neutral","sentiment_score":-0.023590988768585796}],"sentiment":"neutral","sentiment_score":-0.008741439933457025,"num_words":41,"start":1461.095,"end":1486.67},{"sentences":[{"text":"But yep.","start":1486.67,"end":1502.585,"sentiment":"neutral","sentiment_score":0.058171115815639496},{"text":"Yeah.","start":1531.6849,"end":1532.1849,"sentiment":"neutral","sentiment_score":-0.005777336657047272},{"text":"Well, there was no one doing so when I put the 20 in, there was, like, a $100 taken off that for fees or whatever, wasn't there?","start":1532.84,"end":1544.06,"sentiment":"neutral","sentiment_score":-0.07958219904038641},{"text":"So we topped over a grand.","start":1550.975,"end":1552.515,"sentiment":"neutral","sentiment_score":0.1956727753082911},{"text":"Yeah.","start":1596.97,"end":1597.29,"sentiment":"neutral","sentiment_score":0.07867076247930527}],"sentiment":"neutral","sentiment_score":-0.021228299048301334,"num_words":37,"start":1486.67,"end":1597.29},{"sentences":[{"text":"Actually, that doesn't sound too bad.","start":1597.29,"end":1599.15,"sentiment":"neutral","sentiment_score":0.08032105738917987},{"text":"Yeah.","start":1619.72,"end":1620.0399,"sentiment":"neutral","sentiment_score":0.07099950313568115},{"text":"Yeah.","start":1620.0399,"end":1620.44,"sentiment":"neutral","sentiment_score":0.08017732203006744},{"text":"Yeah.","start":1620.44,"end":1620.84,"sentiment":"neutral","sentiment_score":0.10201766341924667},{"text":"That'd be good.","start":1620.84,"end":1621.82,"sentiment":"neutral","sentiment_score":0.2527215927839279}],"sentiment":"neutral","sentiment_score":0.12444046760598819,"num_words":12,"start":1597.29,"end":1621.82},{"sentences":[{"text":"Thanks, Donna.","start":1628.0399,"end":1629.08,"sentiment":"positive","sentiment_score":0.510201096534729},{"text":"I appreciate it.","start":1629.08,"end":1630.38,"sentiment":"positive","sentiment_score":0.4464467267195384},{"text":"Yeah.","start":1647.76,"end":1648.26,"sentiment":"neutral","sentiment_score":-0.012229269370436668},{"text":"Yeah.","start":1650.16,"end":1650.4,"sentiment":"neutral","sentiment_score":0.022808276116847992},{"text":"Yeah.","start":1650.4,"end":1650.48,"sentiment":"neutral","sentiment_score":0.02779252454638481}],"sentiment":"neutral","sentiment_score":0.29976423806510866,"num_words":8,"start":1628.0399,"end":1650.48},{"sentences":[{"text":"The next one's in about two weeks' time, I think.","start":1650.48,"end":1653.62,"sentiment":"neutral","sentiment_score":0.019299288652837275},{"text":"So yeah.","start":1655.6799,"end":1659.14,"sentiment":"neutral","sentiment_score":0.07029874715954065},{"text":"Oh, well, so not much I can do about it.","start":1659.28,"end":1662.845,"sentiment":"neutral","sentiment_score":-0.1473387649282813},{"text":"We'll see what happens.","start":1662.845,"end":1663.905,"sentiment":"neutral","sentiment_score":-0.06148644909262657},{"text":"Yeah.","start":1666.4451,"end":1666.9451,"sentiment":"neutral","sentiment_score":0.014487024396657944}],"sentiment":"neutral","sentiment_score":-0.05078726075589657,"num_words":27,"start":1650.48,"end":1666.9451},{"sentences":[{"text":"No.","start":1668.285,"end":1668.785,"sentiment":"neutral","sentiment_score":-0.0340208038687706},{"text":"No.","start":1673.5651,"end":1673.885,"sentiment":"neutral","sentiment_score":0.1147700697183609},{"text":"Great.","start":1673.885,"end":1674.385,"sentiment":"positive","sentiment_score":0.34523361921310425},{"text":"Thanks, Diana.","start":1674.605,"end":1684.97,"sentiment":"neutral","sentiment_score":0.2544972226023674},{"text":"Yeah.","start":1692.795,"end":1693.1951,"sentiment":"neutral","sentiment_score":0.14135107398033142}],"sentiment":"neutral","sentiment_score":0.1793880673746268,"num_words":6,"start":1668.285,"end":1693.1951},{"sentences":[{"text":"No.","start":1693.1951,"end":1693.435,"sentiment":"neutral","sentiment_score":0.19904088973999023},{"text":"That'd be great.","start":1693.435,"end":1694.415,"sentiment":"positive","sentiment_score":0.3426695962746938},{"text":"Yep.","start":1696.2351,"end":1696.7351,"sentiment":"neutral","sentiment_score":0.1637858748435974},{"text":"Yeah.","start":1705.77,"end":1706.27,"sentiment":"neutral","sentiment_score":0.03884172439575195},{"text":"No.","start":1706.4901,"end":1706.7301,"sentiment":"neutral","sentiment_score":0.04192043095827103}],"sentiment":"neutral","sentiment_score":0.21022824410881316,"num_words":7,"start":1693.1951,"end":1706.7301},{"sentences":[{"text":"Thank you.","start":1706.7301,"end":1707.29,"sentiment":"neutral","sentiment_score":0.13176140189170837},{"text":"No.","start":1707.29,"end":1707.6101,"sentiment":"neutral","sentiment_score":0.07319898903369904},{"text":"I do appreciate that.","start":1707.6101,"end":1708.9901,"sentiment":"neutral","sentiment_score":0.2180594950914383},{"text":"I'm around at my son's new place.","start":1716.635,"end":1718.5751,"sentiment":"neutral","sentiment_score":0.12567982290472304},{"text":"I come here to see him and have a look where he's living now in town.","start":1719.035,"end":1723.435,"sentiment":"neutral","sentiment_score":0.25782080506905913}],"sentiment":"neutral","sentiment_score":0.20712838048736254,"num_words":30,"start":1706.7301,"end":1723.435},{"sentences":[{"text":"So No.","start":1723.435,"end":1734.97,"sentiment":"neutral","sentiment_score":0.12334056943655014},{"text":"No.","start":1734.97,"end":1735.21,"sentiment":"neutral","sentiment_score":-0.04975074157118797},{"text":"I appreciate it too, Donnan.","start":1735.21,"end":1736.73,"sentiment":"neutral","sentiment_score":0.08559558689594268},{"text":"Don't worry.","start":1736.73,"end":1737.47,"sentiment":"neutral","sentiment_score":-0.04528280906379223},{"text":"It's like yeah.","start":1737.61,"end":1739.63,"sentiment":"neutral","sentiment_score":-0.11846270163853963}],"sentiment":"neutral","sentiment_score":0.0137657391337248,"num_words":13,"start":1723.435,"end":1739.63},{"sentences":[{"text":"I think everything's working fine at the moment.","start":1742.0751,"end":1744.655,"sentiment":"neutral","sentiment_score":-0.07934774411842227},{"text":"So oh, thank you.","start":1746.4751,"end":1749.935,"sentiment":"neutral","sentiment_score":0.2847089245915413},{"text":"Yeah.","start":1753.811,"end":1754.2109,"sentiment":"neutral","sentiment_score":0.2896381914615631},{"text":"Thank you.","start":1754.2109,"end":1754.9509,"sentiment":"positive","sentiment_score":0.40059082210063934},{"text":"I will.","start":1755.251,"end":1755.991,"sentiment":"neutral","sentiment_score":0.0787358395755291}],"sentiment":"neutral","sentiment_score":0.10307913295486394,"num_words":17,"start":1742.0751,"end":1755.991},{"sentences":[{"text":"Okay.","start":1759.171,"end":1759.671,"sentiment":"neutral","sentiment_score":0.12405908852815628},{"text":"See you.","start":1759.891,"end":1760.631,"sentiment":"neutral","sentiment_score":0.1589244306087494},{"text":"Bye.","start":1762.291,"end":1762.791,"sentiment":"neutral","sentiment_score":0.06675256788730621}],"sentiment":"neutral","sentiment_score":0.12716512940824032,"num_words":4,"start":1759.171,"end":1762.791}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi,\n\nChannel 1: Hello?\n\nChannel 0: Dennis. This is Dana again from Oakview Financial.\n\nChannel 1: Yeah.\n\nChannel 0: Is this a bit better\n\nChannel 1: That's\n\nChannel 0: for\n\nChannel 1: good.\n\nChannel 0: you?\n\nChannel 1: It is.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Oh, good. Good.\n\nChannel 1: Well,\n\nChannel 0: I'm not sure\n\nChannel 1: hang\n\nChannel 0: what's\n\nChannel 1: on.\n\nChannel 0: going on. I'm so sorry.\n\nChannel 1: Yay. That should be better.\n\nChannel 0: Fantastic. Look. Before I had you booked in for a bit of a catch up, so they just sort of reassess where things are at for you. Before we jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yeah. Yeah. Yep.\n\nChannel 0: Fantastic. And just to do security, I'll just get you to confirm your full name, your date of birth, and address I should have on file for you.\n\nChannel 1: Full name, Dennis Jones Holden, thirtieth of\n\nChannel 0: Yep.\n\nChannel 1: March 1968,\n\nChannel 0: Yeah.\n\nChannel 1: and Unit 81, Number 4, Appland Street, Townsville.\n\nChannel 0: I use the other address you have.\n\nChannel 1: 66 Wallace Street, Coolamon.\n\nChannel 0: Beautiful. Thank you so much for that. All good. So last time we called out, you had another doctor's appointment that was on about Monday the twenty second. Is that right?\n\nChannel 1: The North well, I think it was Friday the nineteenth or something.\n\nChannel 0: Yeah. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. Yeah. How did all that go? How's things going, and where are we up to now health wise?\n\nChannel 1: No. I've got another I've got another appointment to go and see go and get a see pictures done of me.\n\nChannel 0: Oh, wow.\n\nChannel 1: I've got one. They've they've found it. I have got one.\n\nChannel 0: Yep. Yep.\n\nChannel 1: So, yeah, it's sorta yes. I've got an aneurysm. I said, well, okay. Let's get rid of it. And I said, no.\n\nWe\n\nChannel 0: Oh, really?\n\nChannel 1: we're not gonna do anything we're not gonna do anything until it gets to 55 millimeters long.\n\nChannel 0: Okay. So it's quite small at the moment.\n\nChannel 1: It's 40 or something.\n\nChannel 0: Okay.\n\nChannel 1: So, you know, I I just sort of went, oh, well, let's get rid of it. And I said, no. No. We don't operate unless it's this big.\n\nChannel 0: Okay.\n\nChannel 1: So I'm back to square one. Don't lift anything heavy. You know, try not to stress. Blah blah blah blah blah. All the all the, you know, all the boring stuff again.\n\nChannel 0: Yeah. Oh, that's a shame. I\n\nChannel 1: But\n\nChannel 0: thought they would have been wanting to kinda get that out fairly quickly because of, you know, it's an embolism. So is it yeah. It I thought they wanna get rid of that fairly quickly. So they hold off until it gets to about 50 millimeters.\n\nChannel 1: Yeah. 55, apparently.\n\nChannel 0: 55. Wow. Interesting.\n\nChannel 1: So, yeah, they wouldn't and I said, look, man. I've got private health insurance. Let's just do it. And he said, no.\n\nChannel 0: Yeah.\n\nChannel 1: I'm not gonna do it. So I I can't do anything about that. So\n\nChannel 0: Yeah.\n\nChannel 1: it has rearranged my thinking, though, a little bit. And as far as I'm I'm I'm not gonna I'm not gonna make it to 65 to retire. I I know that.\n\nChannel 0: Yeah.\n\nChannel 1: You know, I might be semi retired by then and still working a\n\nChannel 0: Yeah.\n\nChannel 1: bit casual.\n\nChannel 0: Yeah.\n\nChannel 1: But but I yeah. I won't be doing full time sort of stuff. And, you know, I got offered an easier job last last week\n\nChannel 0: Okay. Yep.\n\nChannel 1: with Roadtec. But the money unless I go away and do ten day stints away from home, I don't make anywhere near as much money.\n\nChannel 0: Yeah.\n\nChannel 1: So I'd be working less hard, but I'd be spending more hours at work, you know, ten hour\n\nChannel 0: Mhmm.\n\nChannel 1: days instead of eight hour days and all that sort of and that's just working harder again\n\nChannel 0: Yeah.\n\nChannel 1: regard\n\nChannel 0: Correct.\n\nChannel 1: regardless of how how easy the work is.\n\nChannel 0: Yeah. Definitely the stress on your body, especially with the traveling back and forth.\n\nChannel 1: Yeah. Yeah. Well, that's the other thing too. You know? Like, I pay for a house to rent to to live in.\n\nAnd if you're only gonna be home if you're away ten days and only home for four, what the hell are you paying rent for?\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: And, you know, if I owned me boat now,\n\nChannel 0: Mhmm.\n\nChannel 1: that that would probably be perfect. But\n\nChannel 0: Yeah.\n\nChannel 1: I don't own me boat yet. So, you\n\nChannel 0: No.\n\nChannel 1: know, I'm I'm I'm back at that same track of, you know, wait until I buy me a boat.\n\nChannel 0: Yes. Yeah.\n\nChannel 1: So, yeah,\n\nChannel 0: So\n\nChannel 1: that's\n\nChannel 0: with\n\nChannel 1: what\n\nChannel 0: you're right. So with retirement now, we last time we sort of chatted, we talked about, you know, you're looking at maybe 60, maybe 62 is kinda what you're aiming for now with your super. Do you think that's still about right, or do you think you wanna try and work longer than 65? Or what what are you thinking goal wise for a time now?\n\nChannel 1: I'm thinking sort of more of the the the sixty sixty two.\n\nChannel 0: Yep. Perfect. Okay. So so do you wanna work on 62 for you as the goal age to access, or do you think you're more likely to wanna try and take some money out of 60?\n\nChannel 1: I I reckon I can push it to 62.\n\nChannel 0: 62? Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Lovely. And looking to your 58 now as of March this year. So you've got about four years.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. To age 62. Beautiful.\n\nChannel 1: Okay.\n\nChannel 0: Now with the profile that you're in now with your super at the moment, just going back into that section. Where are we? So you're in that growth kind of environment. So a growth portfolio generally suits someone who has about six years before they're wanting to access their funds,\n\nChannel 1: Yes.\n\nChannel 0: essentially, because that is where you have 80% of your money in those, like, growth investments, things like Australian shares, international shares, listed property, and commodities like gold and silver, and then\n\nChannel 1: Yep.\n\nChannel 0: only about 20% in low risk defensive investments. And those growth assets, they're essentially where you see a lot of the market ups and downs. You do see and see a lot of that as your balance gets bigger. And by having more of those investors, you are taking on more risk. So you are hoping for a greater level of return by taking on more risk.\n\nChannel 1: Yep.\n\nChannel 0: Because\n\nChannel 1: Yep.\n\nChannel 0: you do only have about four years before realistically accessing super, are you sort of at the point where you're feeling like you wanna maybe not have as much volatility? You don't wanna see and feel those ups and downs as drastically. Is that right?\n\nChannel 1: Oh, I'd say so. Yeah.\n\nChannel 0: Yep. Yep. That's okay. I'm just having a quick look at the risk profile questionnaire. This is sort of see where you fit and what sort of portfolio we should realistically look at for you.\n\nNow sorry. It won't be one second. My computer's a little bit slow this afternoon. Sorry\n\nChannel 1: That's alright.\n\nChannel 0: about that. Say about four four years there.\n\nChannel 1: No. No bathroom. No. Yeah. That's less storage.\n\nAlright. Yeah.\n\nChannel 0: Okay. Now, realistically, if you did see your super fall in, say, the next three years by about 20% there, Dennis, do you think\n\nChannel 1: Diner.\n\nChannel 0: you would be comfortable working a bit longer waiting for the portfolio to recover, or do you still think you'd be at a point where you're wanting to access the money and take it money out of super? How do you think you might feel?\n\nChannel 1: That's hard to say. No. I'd probably end up waiting.\n\nChannel 0: You would be comfortable waiting? You probably wouldn't wanna still access the super, and you have to cement\n\nChannel 1: I'm gonna\n\nChannel 0: losses.\n\nChannel 1: put it. That shelves here. That'll turn off this bedroom. Yeah. I I think so, Daniel.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. That's okay. That's alright. So we'll say three, hold, and wait. In the event of, say, the ups and downs that we are seeing at the moment, do you consider yourself more comfortable taking a higher level of risk even though you know that there are those downtimes and you may have to wait to access your funds, or are you sort of wanting to reduce the risk and have less returns knowing you're taking less risk as you are getting closer to accessing your super?\n\nWhere do you sort of see yourself bidding with those two questions?\n\nChannel 1: I'll I'll probably say at the moment, just stay where\n\nChannel 0: Mhmm.\n\nChannel 1: I am. Yeah.\n\nChannel 0: You yep. Yep. You wanted to stay in that kind of growth environment for the time being?\n\nChannel 1: Yeah. Yeah. Yeah. I think so.\n\nChannel 0: Yep. That's okay. And, look, there's nothing wrong with that. That's absolutely fine. It's just the biggest side of it is that you are you do have more of those growth investments.\n\nSo because we have seen more of those ups and downs this year with what's sort of happening in the market, you can see more of a downturn. And it's important to kind of understand that that is a risk we do take. If you decide during a downturn that you still wanna access those funds and stop working, then we are cementing losses. However, if you're, you know, seeing a downturn, you go, hey. Look.\n\nI'm happy to hold on for maybe another six to twelve months before I start to access that money. I'm happy just to wait for a bit of recovery, and that's absolutely fine again. The other side of it is, though, Dennis, if you just wanna hold on and keep the growth portfolio for the time being, you're due to have a full annual review in November. If you wanted me to, I could just do a catch up for you around about November. We do a full annual review then and see if you wanna look at decreasing your risk profile.\n\nDoes that sound like something you're open to, or\n\nChannel 1: Yeah.\n\nChannel 0: what do\n\nChannel 1: Yeah.\n\nChannel 0: you feel?\n\nChannel 1: I I think that yeah. I I actually that sounds good, actually.\n\nChannel 0: Yep. Yep. That's okay. So we'll make it November. Would you like me to do a catch up with you in between now and November, say, maybe August just to sort of catch up and see how things are going to give you the opportunity to tell me to look at reducing risk in that time frame if you're uncomfortable.\n\nChannel 1: Yeah. I suppose.\n\nChannel 0: Yeah. You you can talk to me as much or as little as you want.\n\nChannel 1: Yeah. No. I I think I'm gonna start dropping, like, a thousand dollar hits into me into me\n\nChannel 0: Into the investment?\n\nChannel 1: into the investment portfolio thing\n\nChannel 0: Yep.\n\nChannel 1: I've got.\n\nChannel 0: Yep.\n\nChannel 1: And and I'll start building it up a bit as well too.\n\nChannel 0: Yeah. Building. Yeah. Absolutely. Not a problem at all.\n\nWell, so what I can do is I mean, you've mentioned to me you're happy to stay where you are for the time being. You are still going through, obviously, speak speaking to your doctors and seeing what's gonna happen moving forward treatment wise for you. If you are happy to stay where you are, which is absolutely fine, I can do a catch up with you. I'll get the team to give you a call in early August to book you in for another catch up to see how things are going. You\n\nChannel 1: Yep.\n\nChannel 0: can let\n\nChannel 1: Yep.\n\nChannel 0: me know in the meantime. If anything happens in the meantime, you go, hey. I'm not comfortable anymore. I don't wanna sit in this environment. I just wanna talk to you.\n\nJust give us a call, and the girls will book you in straight away to meet with me. It's not a problem at all. But then I can\n\nChannel 1: Yep.\n\nChannel 0: do a catch up with you in August, see how things are progressing, see how your house is going. And then, you know, when you get to November to get annual review, we can then again do the risk profile and assess your risk level then as well. Okay? Does that sound\n\nChannel 1: Yep.\n\nChannel 0: okay with you? Or\n\nChannel 1: Yeah. No. That sounds good.\n\nChannel 0: yeah. Beautiful.\n\nChannel 1: Yeah. I'm I'm just thinking,\n\nChannel 0: Yeah.\n\nChannel 1: like, I've got that that investment thing there. I might as well start putting money in it and getting something back from it anyway.\n\nChannel 0: Yeah. Yeah. Absolutely. Look. It's not doing badly at the moment.\n\nHas been a bit up and down, but if you are able to put some money into it, even if you wanna not make it a thousand dollars each time, just maybe make it 500 in smaller increments on more of a regular basis, that can absolutely help you as well. And it means that you keep a little bit back for yourself in case you need that buffer for your medical appointments and things like that\n\nChannel 1: Yes.\n\nChannel 0: as well.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. No. Look. I know. Yeah.\n\nI'm just sort of like, I'm I'm you you don't get a lot of interest out of the banks.\n\nChannel 0: No.\n\nChannel 1: So where I've got my money in the bank now, it might as well be and if I if I drip put it in so I catch the highs and lows,\n\nChannel 0: Absolutely. Yep.\n\nChannel 1: You you where's that whole $20 at the moment is catching every everything?\n\nChannel 0: That's correct.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: I'm I'm I'm hoping that I might be able to balance it out a bit.\n\nChannel 0: Yeah. Absolutely. And that's what dollar cost averaging is. It's putting a regular amount of money in no matter what the market's doing. That way, if you put, you know, 500 in or a thousand dollars in and it's one period, the market then takes a bit of a dip.\n\nYou put another thousand in at the next interval. The market takes a bit of a rise and do the same thing again. You do. You take advantage of the ups and downs without meaning to you're not trying to pick the market. You're just investing at regular intervals and dollar cost averaging in to take advantage of the market conditions.\n\nAnd over the longer term, you tend to benefit. It helps to reduce market risk because you're not trying to time the market. You're just putting that in. It helps to even out your returns, and you get I mean, when the market is down, you're taking those advantages and buying in at the discounted rate of the investment. So it does absolutely work out more in your favor to do it that way.\n\nChannel 1: And and and look, I suppose too, Donna,\n\nChannel 0: Yeah.\n\nChannel 1: the superannuation becomes weekly now.\n\nChannel 0: Yeah. That's all gonna be payday as well. So that'll all go in at proper dollar cost averaging for you as well, and that's all supposed to start in July. Yeah.\n\nChannel 1: Yeah. So for me, that that means I'll be paid weekly.\n\nChannel 0: Beautiful.\n\nChannel 1: Super. So\n\nChannel 0: Yep.\n\nChannel 1: I'm I'm whilst I'm probably not the happiest where I'm working, at the moment, they have made a change, which I'm hoping is gonna make it better. So I'll give them I'll give them another six months to see how that goes.\n\nChannel 0: Yep. Okay. Yep.\n\nChannel 1: And because I'm making good money now, like, that I can save, you know, towards me boat.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Like, I I I'd actually like to be able to buy me boat without touching any of\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: me super. Even to the point of taking out a bank loan\n\nChannel 0: Mhmm.\n\nChannel 1: to buy it and then just live on it. So I'm not paying rent as such. You know, you're you're paying a mooring fee,\n\nChannel 0: Mhmm. Yeah.\n\nChannel 1: but I've gotta I've gotta pay that anyway.\n\nChannel 0: Yeah.\n\nChannel 1: And it's a it's about a $140 a week to live on a boat in a marina.\n\nChannel 0: Really? That's the mooring fee. That's actually cheaper than most rents.\n\nChannel 1: Yeah. Yeah. Yeah. And that gives you, you know, water and electricity and all sorts of stuff.\n\nChannel 0: Yeah.\n\nChannel 1: So, you know, to to stay at Kawaena, the Maroon at Kawaena on the Sunny Coast\n\nChannel 0: Yep. Yep.\n\nChannel 1: is about it's about 8 and a half grand to live there in the Maroona on your boat twelve months a year. So it's a cheap rent.\n\nChannel 0: Wow. Yeah.\n\nChannel 1: If you're in your boat and you're out cruising around an island, well, you don't pay rent.\n\nChannel 0: That's it. Yeah. And how long are you allowed to stay in the in that area for?\n\nChannel 1: If it's a permanent spot, you're allowed to stay there forever.\n\nChannel 0: Permanently? Yep. Okay. Perfect. Do they let you just sort of, like, anchor yourself off, like, in there for a certain period of time without paying mooring fees at all, or is it all you've gotta cover the cost no matter what no no matter how long you're in there for?\n\nChannel 1: Different if you if you go into a marina anywhere up and down the coast, they\n\nChannel 0: Yep.\n\nChannel 1: will make you pay. Like\n\nChannel 0: Yep.\n\nChannel 1: a\n\nChannel 0: Regardless.\n\nChannel 1: it's like a\n\nChannel 0: Yeah.\n\nChannel 1: they're they're like a caravan park on water.\n\nChannel 0: Yeah. Yep. Okay. Cool.\n\nChannel 1: So\n\nChannel 0: Perfect.\n\nChannel 1: you know and and, obviously, when you're out floating around in the ocean out near an island or something, you\n\nChannel 0: They're different.\n\nChannel 1: like, if you went over to Moreton Island, you just drop the you pick a spot and drop the anchor.\n\nChannel 0: Beautiful. Yep. Beautiful place to anchor. Tell you what, a Sunday afternoon on the front on the front of your boat with a nice beer or something, that'd be a beautiful view.\n\nChannel 1: Oh, yeah. Look. Moreton Island. Nice. I've I've came there before.\n\nChannel 0: Yeah. No. That'd be amazing.\n\nChannel 1: But, you know, if I can if I can get the money away,\n\nChannel 0: Yes.\n\nChannel 1: I I'm gonna note about a 150,000 to get a a pretty reasonable buck.\n\nChannel 0: Okay.\n\nChannel 1: So with what I've got in the bank and the and the $20 in the in the, up 24 fund,\n\nChannel 0: Mhmm.\n\nChannel 1: I've got about 80 now that I could wrestle up.\n\nChannel 0: Okay. Beautiful.\n\nChannel 1: So\n\nChannel 0: And, yeah,\n\nChannel 1: I'm getting\n\nChannel 0: look, if you're putting\n\nChannel 1: close.\n\nChannel 0: some money into the yeah. And if you put some money into the investment account, we build that up. That over the next couple of years could also provide you with a bit of extra benefit there as well. So Absolutely.\n\nChannel 1: Yeah. So that's that's sort of what where I'm thinking now.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful.\n\nChannel 1: So\n\nChannel 0: No.\n\nChannel 1: yeah.\n\nChannel 0: Looking good.\n\nChannel 1: I think\n\nChannel 0: Excellent.\n\nChannel 1: yeah. We might lose things a little bit till as they are until August again.\n\nChannel 0: Beautiful. Well, I will put in my calendar on probably the first week of August. I'll get Sammy to give you a call again, and she'll book you in for another bit of a catch up. If anything in the meantime comes up, you feel concerned or, you know, the doctors come back and say something's changed, let me know. I will more than happily book you in at any point in time.\n\nBut in the meantime, we can just hold off until August. We'll do another quick catch up then to see how things are going, make sure you're still comfortable with where you're\n\nChannel 1: Yep.\n\nChannel 0: at. If you start if you can start putting some money into that investment account, that'd be fabulous, and we can kinda monitor that as well. And then, yeah, any questions pop up, you let me know. And then, of course, your annual review is back in November as well. So we'll reevaluate things again then for you.\n\nOkay?\n\nChannel 1: Yeah. Yep. Yep. Definitely.\n\nChannel 0: Yep. Beautiful. All good. But now always let me know if there's any changes or anything else that you need. If you start to feel concerned or you hear anything in the news that's really starting to pick up or if anything changes health wise, give me a buzz.\n\nLet me know. I will always make time to fit you in, Dennis, and we'll have a really good catch up and a chat because anything can change. If license, liquid, we can move it and change it and alter it as often as you need. Okay?\n\nChannel 1: Yeah. No. Thank you.\n\nChannel 0: That's okay. My pleasure. I'm glad you you know, I'm I'm glad it's only a small aneurysm at the moment, but it'd be great once it's gone. Not having it all would be a lot better, but I'm glad it's only small right now. And, hopefully, work is a little bit less stressful for you moving into this new new role.\n\nChannel 1: That's yeah. That's so we've hired a a safety adviser now to be on-site.\n\nChannel 0: Okay.\n\nChannel 1: So I've I've literally told him that one of my biggest worries is now his.\n\nChannel 0: Yes.\n\nChannel 1: I'll help him and everything and support him, but\n\nChannel 0: Yeah.\n\nChannel 1: I'm not gonna worry about it too much anymore sort of thing,\n\nChannel 0: No.\n\nChannel 1: which\n\nChannel 0: Fair enough.\n\nChannel 1: I will I will, but, you know, I'm not\n\nChannel 0: Yeah.\n\nChannel 1: telling him that.\n\nChannel 0: No.\n\nChannel 1: So\n\nChannel 0: No. No. No. Absolutely.\n\nChannel 1: but, you know, so long as he keeps like, I'll be able to order what he's doing and everything sort of on a weekly basis and\n\nChannel 0: Beautiful.\n\nChannel 1: and see how we're traveling.\n\nChannel 0: Yep. Fantastic. That'll be good. That'll keep you more in the office side of things. No.\n\nNot having to go on-site very often. Are you gonna be required to go on-site at least sort of every so often to check on him, or are you just gonna monitor him from the office?\n\nChannel 1: No. I still have to go to Seward once every once a month.\n\nChannel 0: Okay. Well, that's a little bit less. That's good. Yeah.\n\nChannel 1: So I've gotta do yeah. Yeah. Yeah. Well, it's alright\n\nChannel 0: Yeah.\n\nChannel 1: at the moment. We've only got one site operating.\n\nChannel 0: Yep.\n\nChannel 1: But when there's two or three,\n\nChannel 0: There's a lot more traveling. Yeah.\n\nChannel 1: it's a lot more driving. Yeah. Because\n\nChannel 0: Absolutely.\n\nChannel 1: they get me to drive to the places and, you know, I'm going to Daintree this week.\n\nChannel 0: Yeah.\n\nChannel 1: You know, everybody wants to go to the Daintree because it's beautiful and everything else. So I have to go there\n\nChannel 0: Yeah.\n\nChannel 1: and work.\n\nChannel 0: Yeah. It's not the same app impact, does it? It doesn't have the\n\nChannel 1: No.\n\nChannel 0: same impact.\n\nChannel 1: It's not it's not not as nice to look at when you're working there.\n\nChannel 0: No. No.\n\nChannel 1: And there's a five meter crop that just happens to decided that we're we're encroaching on his territory.\n\nChannel 0: Oh. Oh, no.\n\nChannel 1: So he's a problem. But, anyway, we'll fix him. Put fences\n\nChannel 0: No.\n\nChannel 1: up or something, stop him.\n\nChannel 0: Yeah. No. That's absolutely fine. Well, hopefully, it all goes well. And, yeah, look, we'll do a catch up in it's about two months.\n\nWell, just over a month away to August. We're at the end of June now. It's Insane how fast\n\nChannel 1: Yeah.\n\nChannel 0: this year is going. And then, yeah, in as I said, in the meantime, if there's anything you need, it doesn't matter what it is, any questions you have, any concerns. If you hear something that's concerning you adopt an appointment that comes out a little bit, you know, bizarre or you're starting to feel a bit uneasy, just pick up the phone and let the girls know they'll book you in with me. Often, if you call in and I'm available, I'll take the call off the customer. Just, you know,\n\nChannel 1: Thank\n\nChannel 0: let me\n\nChannel 1: you.\n\nChannel 0: know if anything, but I'll make sure we touch base in August and see how things are going, maybe reevaluate\n\nChannel 1: Yep.\n\nChannel 0: where you're at, and then again in November. So we keep regular contact. And that\n\nChannel 1: Yep.\n\nChannel 0: way, when and if you start to feel nervous, you wanna take less risk, we can make that action nice and quick for you. Okay?\n\nChannel 1: Yeah. No. Right.\n\nChannel 0: Yeah.\n\nChannel 1: Thank you, Donna.\n\nChannel 0: That's okay. That's alright. Do you have any other questions, concerns, or anything else that you want me to kinda follow-up for you at the moment? Or\n\nChannel 1: No. Not really. I think everything's sort of traveling. Well, the last time I was talking to you here a month ago or so ago, my investment had bounced back, and I\n\nChannel 0: Yeah.\n\nChannel 1: don't know where it is now. But\n\nChannel 0: It's still up. It's definitely still up. So you've still made some money. I just had a quick look at those for you. So you're super in the last three months.\n\nYou're up by 6.24% net of fees, which is great.\n\nChannel 1: yep.\n\nChannel 0: And I would just have a look at the investment for you. Sorry. Just gonna go back to the other screen then. Have a look. So the investment value is at 20,117.\n\nSo it is a little bit low from where it was last time we spoke, but it is still up. You still got more than the 20,000 you put in, which is capital. And\n\nChannel 1: Yeah. Well,\n\nChannel 0: you've\n\nChannel 1: there was no one\n\nChannel 0: made,\n\nChannel 1: doing so\n\nChannel 0: yep. Sorry.\n\nChannel 1: when I put the 20 in, there was, like, a $100 taken off that for fees or whatever, wasn't there?\n\nChannel 0: Yep. Yeah. So you ended up with initial value of 19,290 and\n\nChannel 1: So we topped over a grand.\n\nChannel 0: $14 in earnings. That's the growth and income. So, yeah, they're both doing well at the moment, and that's in the last three months for your investment as well. So you are up in both aspects at the moment. And, yeah, when and if you're able to pop some money into the investment, we'll keep monitoring that for you.\n\nIf you want even just next month, I can just generate maybe a report halfway through the month and send it through once we sort of see some money going in. I can generate another one of these reports and send it through to you just via email so you can see the net return and have a bit of a look at things and how it's tracking as well. Did you want me to organize that for you? Yes.\n\nChannel 1: Yeah. Actually, that doesn't sound too bad.\n\nChannel 0: Absolutely. I'll generate it probably mid July. That way, some money can go in. We can be compounding that a little bit. And then I can generate another one of these little reports for you and send an email through just to the, hey.\n\nHere's the report. This is what it's showing. This is how it, you know, it is at the moment, and then you can always let me know if you have additional questions there. Okay.\n\nChannel 1: Yeah. Yeah. Yeah. That'd be\n\nChannel 0: Yep.\n\nChannel 1: good.\n\nChannel 0: Fantastic. I can do that. Not a problem at all. I'll pop it in for the middle of July. Easy.\n\nChannel 1: Thanks, Donna. I appreciate\n\nChannel 0: That's\n\nChannel 1: it.\n\nChannel 0: okay. That's not a problem at all. Always here and happy to help, Dennis. It's good to see things on the upward and, yeah, to see look after your health. It's something as you've been on my mind.\n\nThat's for sure. I've been thinking about you and hoping that you're all okay and hoping those doctor's appointments are going well for you because, yeah, it's a lot\n\nChannel 1: Yeah.\n\nChannel 0: to deal with at the moment. So\n\nChannel 1: Yeah. Yeah. The next one's in about two weeks' time, I think.\n\nChannel 0: Two weeks. I hope\n\nChannel 1: So\n\nChannel 0: it all goes well. Yeah.\n\nChannel 1: yeah. Oh, well, so not much I can do about it. We'll see what happens.\n\nChannel 0: No. Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: Absolutely. But now, look, you're\n\nChannel 1: No.\n\nChannel 0: always on always in the back of our mind, and we'll make sure we keep checking in with you. Okay.\n\nChannel 1: No. Great. Thanks,\n\nChannel 0: That's okay. That's not a problem at all. I will probably just let you go for the afternoon now so you can have a bit of a rest, but I'll make sure I fill up with a report\n\nChannel 1: Diana.\n\nChannel 0: next month for you for your sleep and your investment. And I will make sure we book you in in August for a bit of a catch up to see how things are tracking. Okay.\n\nChannel 1: Yeah. No. That'd be great.\n\nChannel 0: Okay. No worries\n\nChannel 1: Yep.\n\nChannel 0: at all. And as I said, call me if there's any changes or anything else that you need from me. I'm always, you know, always happy to help. And if I'm not on the phone, I'll take the call off the cuff for you. Okay?\n\nChannel 1: Yeah. No. Thank you. No. I do appreciate that.\n\nChannel 0: Not a problem at all, Dennis. What do you got for the afternoon? You just got home? You're ready to sit down and relax a little bit?\n\nChannel 1: I'm around at my son's new place. I come here to\n\nChannel 0: Oh, lovely.\n\nChannel 1: see him and have a look where he's living now in town. So\n\nChannel 0: Oh, lovely. That's so good. Well, I will let you go so you can spend some time with him, but thank you so much for taking my call this afternoon. I I appreciate your time.\n\nChannel 1: No. No. I appreciate it too, Donnan. Don't worry. It's like yeah.\n\nChannel 0: It's awkward.\n\nChannel 1: I think everything's working fine at the moment.\n\nChannel 0: It is. Yeah. Absolutely.\n\nChannel 1: So\n\nChannel 0: Yep.\n\nChannel 1: oh, thank\n\nChannel 0: Alright.\n\nChannel 1: you.\n\nChannel 0: All good. My pleasure. Well, you have a lovely afternoon.\n\nChannel 1: Yeah. Thank you. I\n\nChannel 0: No\n\nChannel 1: will.\n\nChannel 0: worries, Dennis. You have a great one. I'll talk to you soon.\n\nChannel 1: Okay. See you.\n\nChannel 0: See you later. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hi,","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.024152642115950584}],"sentiment":"neutral","sentiment_score":0.024152642115950584,"channel":0,"num_words":1,"start":0.39999998,"end":0.9},{"sentences":[{"text":"Hello?","start":0.79999995,"end":1.3,"sentiment":"neutral","sentiment_score":0.02814137004315853}],"sentiment":"neutral","sentiment_score":0.02814137004315853,"channel":1,"num_words":1,"start":0.79999995,"end":1.3},{"sentences":[{"text":"Dennis.","start":2.3999999,"end":2.72,"sentiment":"neutral","sentiment_score":0.038086939603090286},{"text":"This is Dana again from Oakview 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you.","start":32.15,"end":37.77,"sentiment":"neutral","sentiment_score":0.19841321585354982}],"sentiment":"neutral","sentiment_score":0.209133188107184,"channel":0,"num_words":28,"start":31.349998,"end":37.77},{"sentences":[{"text":"Full name, Dennis Jones Holden, thirtieth of","start":38.745,"end":41.225,"sentiment":"neutral","sentiment_score":0.07119057806474823}],"sentiment":"neutral","sentiment_score":0.07119057806474823,"channel":1,"num_words":7,"start":38.745,"end":41.225},{"sentences":[{"text":"Yep.","start":41.204998,"end":41.704998,"sentiment":"neutral","sentiment_score":0.062392473220825195}],"sentiment":"neutral","sentiment_score":0.062392473220825195,"channel":0,"num_words":1,"start":41.204998,"end":41.704998},{"sentences":[{"text":"March 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alright.","start":473.865,"end":474.525,"sentiment":"neutral","sentiment_score":-0.0787724107503891}],"sentiment":"neutral","sentiment_score":-0.0787724107503891,"channel":1,"num_words":2,"start":473.865,"end":474.525},{"sentences":[{"text":"about that.","start":474.03003,"end":474.77002,"sentiment":"neutral","sentiment_score":-0.08528822287917137},{"text":"Say about four four years there.","start":477.925,"end":480.585,"sentiment":"neutral","sentiment_score":-0.047124914824962616}],"sentiment":"neutral","sentiment_score":-0.056665741838514805,"channel":0,"num_words":8,"start":474.03003,"end":480.585},{"sentences":[{"text":"No.","start":485.865,"end":485.94498,"sentiment":"neutral","sentiment_score":-0.23302502930164337},{"text":"No 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think","start":492.5,"end":501.64,"sentiment":"neutral","sentiment_score":-0.08241773364336594}],"sentiment":"neutral","sentiment_score":-0.07820617407560349,"channel":0,"num_words":24,"start":491.62,"end":501.64},{"sentences":[{"text":"Diner.","start":501.24,"end":501.74,"sentiment":"neutral","sentiment_score":-0.04908354207873344}],"sentiment":"neutral","sentiment_score":-0.04908354207873344,"channel":1,"num_words":1,"start":501.24,"end":501.74},{"sentences":[{"text":"you would be comfortable working a bit longer waiting for the portfolio to recover, or do you still think you'd be at a point where you're wanting to access the money and take it money out of super?","start":501.94498,"end":511.465,"sentiment":"neutral","sentiment_score":-0.21451350321110926},{"text":"How do you think you might feel?","start":511.465,"end":513.005,"sentiment":"neutral","sentiment_score":-0.1127709544130734}],"sentiment":"neutral","sentiment_score":-0.19868688450919259,"channel":0,"num_words":45,"start":501.94498,"end":513.005},{"sentences":[{"text":"That's hard to say.","start":515.28503,"end":516.505,"sentiment":"negative","sentiment_score":-0.3659380227327347},{"text":"No.","start":522.38,"end":522.45996,"sentiment":"negative","sentiment_score":-0.457846462726593},{"text":"I'd probably end up waiting.","start":522.45996,"end":524.08,"sentiment":"negative","sentiment_score":-0.4769621789455414}],"sentiment":"negative","sentiment_score":-0.4306409448385239,"channel":1,"num_words":10,"start":515.28503,"end":524.08},{"sentences":[{"text":"You would be comfortable waiting?","start":525.39996,"end":526.83997,"sentiment":"neutral","sentiment_score":-0.28249955773353574},{"text":"You probably wouldn't wanna still access the super, and you have to 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alright.","start":538.425,"end":539.325,"sentiment":"neutral","sentiment_score":0.1774856150150299},{"text":"So we'll say three, hold, and wait.","start":539.945,"end":542.16,"sentiment":"neutral","sentiment_score":-0.006495856280837741},{"text":"In the event of, say, the ups and downs that we are seeing at the moment, do you consider yourself more comfortable taking a higher level of risk even though you know that there are those downtimes and you may have to wait to access your funds, or are you sort of wanting to reduce the risk and have less returns knowing you're taking less risk as you are getting closer to accessing your super?","start":543.12,"end":564.83496,"sentiment":"neutral","sentiment_score":-0.15177452445030212}],"sentiment":"neutral","sentiment_score":-0.12185488243041367,"channel":0,"num_words":87,"start":537.305,"end":564.83496},{"sentences":[{"text":"Where do you sort of see yourself bidding with those two 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being?","start":577.39,"end":580.77,"sentiment":"neutral","sentiment_score":0.08291914580123765}],"sentiment":"neutral","sentiment_score":0.08494593181154307,"channel":0,"num_words":17,"start":576.11,"end":580.77},{"sentences":[{"text":"Yeah.","start":580.92,"end":581.08,"sentiment":"neutral","sentiment_score":0.07976165413856506},{"text":"Yeah.","start":581.08,"end":581.24,"sentiment":"neutral","sentiment_score":0.0937739759683609},{"text":"Yeah.","start":581.24,"end":581.32,"sentiment":"neutral","sentiment_score":0.1189887523651123},{"text":"I think so.","start":581.32,"end":582.22003,"sentiment":"neutral","sentiment_score":0.1663905829191208}],"sentiment":"neutral","sentiment_score":0.13194935520490012,"channel":1,"num_words":6,"start":580.92,"end":582.22003},{"sentences":[{"text":"Yep.","start":582.825,"end":583.145,"sentiment":"neutral","sentiment_score":0.20785579085350037},{"text":"That's okay.","start":583.145,"end":583.705,"sentiment":"neutral","sentiment_score":0.3275652080774307},{"text":"And, look, there's nothing wrong with that.","start":583.705,"end":585.22504,"sentiment":"neutral","sentiment_score":0.19248302174465998},{"text":"That's absolutely fine.","start":585.22504,"end":586.60504,"sentiment":"positive","sentiment_score":0.5283476412296295},{"text":"It's just the biggest side of it is that you are you do have more of those growth investments.","start":586.74506,"end":591.24506,"sentiment":"neutral","sentiment_score":0.05370265265044413}],"sentiment":"neutral","sentiment_score":0.15049252135213464,"channel":0,"num_words":32,"start":582.825,"end":591.24506},{"sentences":[{"text":"So because we have seen more of those ups and downs this year with what's sort of happening in the market, you can see more of a downturn.","start":591.385,"end":600.66003,"sentiment":"neutral","sentiment_score":-0.11385048766221319},{"text":"And it's important to kind of understand that that is a risk we do take.","start":601.36,"end":605.3,"sentiment":"neutral","sentiment_score":-0.16385846038659413},{"text":"If you decide during a downturn that you still wanna access those funds and stop working, then we are cementing losses.","start":605.84,"end":613.34503,"sentiment":"neutral","sentiment_score":-0.19936865993908473},{"text":"However, if you're, you know, seeing a downturn, you go, hey.","start":614.125,"end":617.805,"sentiment":"neutral","sentiment_score":-0.10396340557120064},{"text":"Look.","start":617.805,"end":618.045,"sentiment":"neutral","sentiment_score":0.011558108031749724}],"sentiment":"neutral","sentiment_score":-0.1442693654251726,"channel":0,"num_words":76,"start":591.385,"end":618.045},{"sentences":[{"text":"I'm happy to hold on for maybe another six to twelve months before I start to access that money.","start":618.045,"end":622.785,"sentiment":"neutral","sentiment_score":0.11861635705358103},{"text":"I'm happy just to wait for a bit of recovery, and that's absolutely fine again.","start":622.925,"end":627.36,"sentiment":"positive","sentiment_score":0.3607185463110606},{"text":"The other side of it is, though, Dennis, if you just wanna hold on and keep the growth portfolio for the time being, you're due to have a full annual review in November.","start":627.66,"end":636.16,"sentiment":"neutral","sentiment_score":0.05395914998018381},{"text":"If you wanted me to, I could just do a catch up for you around about November.","start":636.38,"end":641.115,"sentiment":"neutral","sentiment_score":0.05803275217904764},{"text":"We do a full annual review then and see if you wanna look at decreasing your risk profile.","start":641.115,"end":646.095,"sentiment":"neutral","sentiment_score":0.0515564466930098}],"sentiment":"neutral","sentiment_score":0.11136974270145099,"channel":0,"num_words":102,"start":618.045,"end":646.095},{"sentences":[{"text":"Does that sound like something you're open to, 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you.","start":1452.525,"end":1458.4501,"sentiment":"neutral","sentiment_score":0.136869042335699},{"text":"Okay?","start":1458.4501,"end":1458.9501,"sentiment":"neutral","sentiment_score":0.03442021831870079}],"sentiment":"neutral","sentiment_score":0.13277108937501908,"channel":0,"num_words":25,"start":1452.525,"end":1458.9501},{"sentences":[{"text":"Yeah.","start":1459.59,"end":1460.09,"sentiment":"neutral","sentiment_score":0.0093491543084383},{"text":"No.","start":1460.15,"end":1460.55,"sentiment":"neutral","sentiment_score":0.0027765538543462753},{"text":"Right.","start":1460.55,"end":1461.015,"sentiment":"neutral","sentiment_score":0.02891555055975914}],"sentiment":"neutral","sentiment_score":0.013680419574181238,"channel":1,"num_words":3,"start":1459.59,"end":1461.015},{"sentences":[{"text":"Yeah.","start":1460.77,"end":1461.27,"sentiment":"neutral","sentiment_score":0.08852899819612503}],"sentiment":"neutral","sentiment_score":0.08852899819612503,"channel":0,"num_words":1,"start":1460.77,"end":1461.27},{"sentences":[{"text":"Thank 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tracking.","start":1687.615,"end":1691.955,"sentiment":"neutral","sentiment_score":0.1952926591038704},{"text":"Okay.","start":1692.1749,"end":1692.6749,"sentiment":"neutral","sentiment_score":0.1504635214805603}],"sentiment":"neutral","sentiment_score":0.21395465731620789,"channel":0,"num_words":35,"start":1684.77,"end":1692.6749},{"sentences":[{"text":"Yeah.","start":1692.795,"end":1693.1951,"sentiment":"neutral","sentiment_score":0.14135107398033142},{"text":"No.","start":1693.1951,"end":1693.435,"sentiment":"neutral","sentiment_score":0.19904088973999023},{"text":"That'd be great.","start":1693.435,"end":1694.415,"sentiment":"positive","sentiment_score":0.3426695962746938}],"sentiment":"neutral","sentiment_score":0.2736801505088806,"channel":1,"num_words":5,"start":1692.795,"end":1694.415},{"sentences":[{"text":"Okay.","start":1694.975,"end":1695.475,"sentiment":"neutral","sentiment_score":0.16415008902549744},{"text":"No 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for you.","start":1702.4,"end":1705.28,"sentiment":"neutral","sentiment_score":0.06907128496095538},{"text":"Okay?","start":1705.28,"end":1705.78,"sentiment":"neutral","sentiment_score":0.05110699310898781}],"sentiment":"neutral","sentiment_score":0.19643503286772304,"channel":0,"num_words":45,"start":1696.4149,"end":1705.78},{"sentences":[{"text":"Yeah.","start":1705.77,"end":1706.27,"sentiment":"neutral","sentiment_score":0.03884172439575195},{"text":"No.","start":1706.4901,"end":1706.7301,"sentiment":"neutral","sentiment_score":0.04192043095827103},{"text":"Thank you.","start":1706.7301,"end":1707.29,"sentiment":"neutral","sentiment_score":0.13176140189170837},{"text":"No.","start":1707.29,"end":1707.6101,"sentiment":"neutral","sentiment_score":0.07319898903369904},{"text":"I do appreciate 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town.","start":1720.155,"end":1723.435,"sentiment":"neutral","sentiment_score":0.31317151213685673},{"text":"So","start":1723.435,"end":1723.935,"sentiment":"neutral","sentiment_score":0.25183823704719543}],"sentiment":"neutral","sentiment_score":0.3084535678991905,"channel":1,"num_words":13,"start":1720.155,"end":1723.935},{"sentences":[{"text":"Oh, lovely.","start":1724.3849,"end":1725.365,"sentiment":"positive","sentiment_score":0.5761995911598206},{"text":"That's so good.","start":1725.5049,"end":1726.5,"sentiment":"positive","sentiment_score":0.462215634683768},{"text":"Well, I will let you go so you can spend some time with him, but thank you so much for taking my call this afternoon.","start":1726.5,"end":1731.86,"sentiment":"positive","sentiment_score":0.44618808567523954},{"text":"I I appreciate your 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thank","start":1749.035,"end":1749.435,"sentiment":"neutral","sentiment_score":0.29140692949295044}],"sentiment":"neutral","sentiment_score":0.29140692949295044,"channel":1,"num_words":2,"start":1749.035,"end":1749.435},{"sentences":[{"text":"Alright.","start":1749.205,"end":1749.605,"sentiment":"neutral","sentiment_score":0.3286547362804413}],"sentiment":"neutral","sentiment_score":0.3286547362804413,"channel":0,"num_words":1,"start":1749.205,"end":1749.605},{"sentences":[{"text":"you.","start":1749.435,"end":1749.935,"sentiment":"positive","sentiment_score":0.38944268226623535}],"sentiment":"positive","sentiment_score":0.38944268226623535,"channel":1,"num_words":1,"start":1749.435,"end":1749.935},{"sentences":[{"text":"All good.","start":1749.605,"end":1750.345,"sentiment":"positive","sentiment_score":0.5030767768621445},{"text":"My pleasure.","start":1750.4049,"end":1751.125,"sentiment":"positive","sentiment_score":0.5613742768764496},{"text":"Well, you have a lovely 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one.","start":1756.6399,"end":1757.6,"sentiment":"positive","sentiment_score":0.5516129612922669},{"text":"I'll talk to you soon.","start":1757.6,"end":1758.82,"sentiment":"neutral","sentiment_score":0.22014748752117158}],"sentiment":"positive","sentiment_score":0.34994010999798775,"channel":0,"num_words":12,"start":1755.6,"end":1758.82},{"sentences":[{"text":"Okay.","start":1759.171,"end":1759.671,"sentiment":"neutral","sentiment_score":0.12405908852815628},{"text":"See you.","start":1759.891,"end":1760.631,"sentiment":"neutral","sentiment_score":0.1589244306087494}],"sentiment":"neutral","sentiment_score":0.14730264991521835,"channel":1,"num_words":3,"start":1759.171,"end":1760.631},{"sentences":[{"text":"See you later.","start":1760.8799,"end":1761.5199,"sentiment":"neutral","sentiment_score":0.14431517819563547},{"text":"Bye.","start":1761.5199,"end":1762.0199,"sentiment":"neutral","sentiment_score":0.11857616901397704}],"sentiment":"neutral","sentiment_score":0.13788042590022087,"channel":0,"num_words":4,"start":1760.8799,"end":1762.0199},{"sentences":[{"text":"Bye.","start":1762.291,"end":1762.791,"sentiment":"neutral","sentiment_score":0.06675256788730621}],"sentiment":"neutral","sentiment_score":0.06675256788730621,"channel":1,"num_words":1,"start":1762.291,"end":1762.791}]},"summary":{"result":"success","short":"Representatives from Oakview Financial reassess customers and discuss their health and retirement plans, including their retirement age and risk profile. They suggest growth and defensive investments and offer to catch up in November to reduce risk. The speakers also discuss investment opportunities and the benefits of staying in a stable environment. They plan to follow up with customers in a few months and provide information about recent appointments and appointments with a safety adviser. The call ends with the representative thanking the customer and wishing them a good afternoon."},"intents":{"segments":[{"text":"So last time we called out, you had another doctor's appointment that was on about Monday the twenty second. Is that right?","start_word":173,"end_word":194,"intents":[{"intent":"Confirm appointment details","confidence_score":0.13662066}]},{"text":"it has rearranged my thinking, though, a little bit.","start_word":479,"end_word":487,"intents":[{"intent":"Reorganize thinking","confidence_score":0.059590645}]},{"text":"And as far as I'm I'm I'm not gonna I'm not gonna make it to 65 to retire. I I know that.","start_word":488,"end_word":509,"intents":[{"intent":"Consider retirement age","confidence_score":0.0036253196}]},{"text":"So I'd be working less hard, but I'd be spending more hours at work, you know, ten hour Mhmm. days instead of eight hour days and all that sort of and that's just working harder again Yeah.","start_word":581,"end_word":617,"intents":[{"intent":"Express dissatisfaction with work schedule","confidence_score":0.03604334}]},{"text":"Definitely the stress on your body, especially with the traveling back and forth. Yeah. Yeah.","start_word":629,"end_word":643,"intents":[{"intent":"Discuss stress on body","confidence_score":0.017725106}]},{"text":"And, you know, if I owned me boat now, Mhmm. that that would probably be perfect. But Yeah.","start_word":691,"end_word":708,"intents":[{"intent":"Clarify if you own a boat","confidence_score":0.000004080423}]},{"text":"So with retirement now, we last time we sort of chatted, we talked about, you know, you're looking at maybe 60, maybe 62 is kinda what you're aiming for now with your super. Do you think that's still about right, or do you think you wanna try and work longer than 65? Or what what are you thinking goal wise for a time now?","start_word":747,"end_word":810,"intents":[{"intent":"Discuss retirement goal and age","confidence_score":0.0016812757},{"intent":"Discuss 62 as goal","confidence_score":0.012488097},{"intent":"Discuss achieving 62 for retirement","confidence_score":0.000043216085},{"intent":"Describe financial goals","confidence_score":0.00010024978}]},{"text":"So you're in that growth kind of environment. So a growth portfolio generally suits someone who has about six years before they're wanting to access their funds, Yes.","start_word":920,"end_word":947,"intents":[{"intent":"Discuss investment portfolio interest","confidence_score":0.00001627005}]},{"text":"essentially, because that is where you have 80% of your money in those, like, growth investments, things like Australian shares, international shares, listed property, and commodities like gold and silver, and then Yep. only about 20% in low risk defensive investments. And those growth assets, they're essentially where you see a lot of the market ups and downs.","start_word":948,"end_word":1005,"intents":[{"intent":"Discuss market trends","confidence_score":0.12787819}]},{"text":"In the event of, say, the ups and downs that we are seeing at the moment, do you consider yourself more comfortable taking a higher level of risk even though you know that there are those downtimes and you may have to wait to access your funds, or are you sort of wanting to reduce the risk and have less returns knowing you're taking less risk as you are getting closer to accessing your super?","start_word":1304,"end_word":1378,"intents":[{"intent":"Discuss risk profile preferences","confidence_score":0.000051917792}]},{"text":"So we'll make it November. Would you like me to do a catch up with you in between now and November, say, maybe August just to sort of catch up and see how things are going to give you the opportunity to tell me to look at reducing risk in that time frame if you're uncomfortable. Yeah.","start_word":1669,"end_word":1725,"intents":[{"intent":"Schedule a catch up","confidence_score":0.14616533}]},{"text":"I I think I'm gonna start dropping, like, a thousand dollar hits into me into me Into the investment? into the investment portfolio thing Yep. I've got. Yep. And and I'll start building it up a bit as well too.","start_word":1744,"end_word":1783,"intents":[{"intent":"Maintain investment portfolio","confidence_score":0.00014667437}]},{"text":"And and I'll start building it up a bit as well too.","start_word":1772,"end_word":1783,"intents":[{"intent":"Build up and build up","confidence_score":0.016415287}]},{"text":"do a catch up with you in August, see how things are progressing, see how your house is going. And then, you know, when you get to November to get annual review, we can then again do the risk profile and assess your risk level then as well. Okay?","start_word":1951,"end_word":1999,"intents":[{"intent":"Review and assess risks","confidence_score":0.00009852672}]},{"text":"It's not doing badly at the moment. Has been a bit up and down, but if you are able to put some money into it, even if you wanna not make it a thousand dollars each time, just maybe make it 500 in smaller increments on more of a regular basis, that can absolutely help you as well.","start_word":2049,"end_word":2106,"intents":[{"intent":"Make money","confidence_score":0.067298375}]},{"text":"I'm just sort of like, I'm I'm you you don't get a lot of interest out of the banks.","start_word":2145,"end_word":2163,"intents":[{"intent":"Receive interest","confidence_score":0.0064133974}]},{"text":"I'm I'm I'm hoping that I might be able to balance it out a bit. Yeah.","start_word":2216,"end_word":2231,"intents":[{"intent":"Balance money","confidence_score":0.5537718}]},{"text":"And that's what dollar cost averaging is. It's putting a regular amount of money in no matter what the market's doing. That way, if you put, you know, 500 in or a thousand dollars in and it's one period, the market then takes a bit of a dip. You put another thousand in at the next interval. The market takes a bit of a rise and do the same thing again. You do.","start_word":2233,"end_word":2305,"intents":[{"intent":"Understand cost averaging techniques","confidence_score":0.000031189826}]},{"text":"Like, I I I'd actually like to be able to buy me boat without touching any of Yeah.","start_word":2540,"end_word":2557,"intents":[{"intent":"Discuss boat buying and living options","confidence_score":0.00059075205}]},{"text":"And how long are you allowed to stay in the in that area for?","start_word":2720,"end_word":2733,"intents":[{"intent":"Educate about staying conditions","confidence_score":0.00049536687}]},{"text":"Do you have any other questions, concerns, or anything else that you want me to kinda follow-up for you at the moment? Or No.","start_word":3958,"end_word":3981,"intents":[{"intent":"Follow-up on appointment","confidence_score":0.0012760168}]},{"text":"And I would just have a look at the investment for you. Sorry.","start_word":4064,"end_word":4076,"intents":[{"intent":"Schedule investment meeting","confidence_score":0.005970178}]},{"text":"The next one's in about two weeks' time, I think. Two weeks.","start_word":4513,"end_word":4524,"intents":[{"intent":"Schedule check-in","confidence_score":0.02425081},{"intent":"Schedule appointment","confidence_score":0.017817052}]},{"text":"I I appreciate your time.","start_word":4800,"end_word":4804,"intents":[{"intent":"Express appreciation","confidence_score":0.00078654994}]}]},"sentiments":{"segments":[{"text":"Hi, Hello? Dennis. This is Dana again from Oakview Financial. Yeah. Is this a bit better That's for good. you? It is. Yeah. Yeah. Oh, good. Good. I'm Well, not sure hang what's on. going on. I'm so sorry. Yay. That should be better.","start_word":0,"end_word":43,"sentiment":"neutral","sentiment_score":0.09172844141721724},{"text":"Fantastic.","start_word":44,"end_word":44,"sentiment":"positive","sentiment_score":0.5916632413864136},{"text":"Look. Before I had you booked in for a bit of a catch up, so they just sort of reassess where things are at for you. Before we jump into the call, I do have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah. Yeah. Yep.","start_word":45,"end_word":105,"sentiment":"neutral","sentiment_score":0.07830427587032318},{"text":"Fantastic.","start_word":106,"end_word":106,"sentiment":"positive","sentiment_score":0.498572438955307},{"text":"And just to do security, I'll just get you to confirm your full name, your date of birth, and address I should have on file for you. Full name, Dennis Jones Holden, thirtieth of Yep. March 1968, Yeah. and Unit 81, Number 4, Appland Street, Townsville. I use the other address you have. 66 Wallace Street, Coolamon.","start_word":107,"end_word":163,"sentiment":"neutral","sentiment_score":0.1069539561867714},{"text":"Beautiful. Thank you so much for that. All good.","start_word":164,"end_word":172,"sentiment":"positive","sentiment_score":0.5817807912826538},{"text":"So last time we called out, you had another doctor's appointment that was on about Monday the twenty second. Is that right? The North well, I think it was Friday the nineteenth or something. Yeah. Okay. Yeah. Yep. Perfect. Yeah. How did all that go? How's things going, and where are we up to now health wise? No. I've got another I've got another appointment to go and see go and get a see pictures done of me. Oh, wow. I've got one. They've they've found it. I have got one. Yep. Yep. So, yeah, it's sorta yes. I've got an aneurysm. I said, well, okay. Let's get rid of it. And I said, no. We Oh, really? we're not gonna do anything we're not gonna do anything until it gets to 55 millimeters long. Okay. So it's quite small at the moment. It's 40 or something. Okay. So, you know, I I just sort of went, oh, well, let's get rid of it. And I said, no.","start_word":173,"end_word":340,"sentiment":"neutral","sentiment_score":-0.08555329786170096},{"text":"No. We don't operate unless it's this big.","start_word":341,"end_word":348,"sentiment":"negative","sentiment_score":-0.34490418434143066},{"text":"Okay. So I'm back to square one. Don't lift anything heavy. You know, try not to stress. Blah blah blah blah blah. All the all the, you know, all the boring stuff again. Yeah.","start_word":349,"end_word":382,"sentiment":"neutral","sentiment_score":-0.1806809902191162},{"text":"Oh, that's a shame. I But thought they would have been wanting to kinda get that out fairly quickly because of, you know, it's an embolism.","start_word":383,"end_word":408,"sentiment":"negative","sentiment_score":-0.36414945125579834},{"text":"So is it yeah. It I thought they wanna get rid of that fairly quickly. So they hold off until it gets to about 50 millimeters. Yeah. 55, apparently. 55. Wow. Interesting. So, yeah, they wouldn't and I said, look, man. I've got private health insurance. Let's just do it. And he said, no. Yeah.","start_word":409,"end_word":463,"sentiment":"neutral","sentiment_score":-0.15364162623882294},{"text":"I'm not gonna do it. So I I can't do anything about that.","start_word":464,"end_word":476,"sentiment":"negative","sentiment_score":-0.4340634346008301},{"text":"So Yeah. it has rearranged my thinking, though, a little bit. And as far as I'm I'm I'm not gonna I'm not gonna make it to 65 to retire. I I know that. Yeah. You know, I might be semi retired by then and still working a Yeah. bit casual. Yeah. But but I yeah. I won't be doing full time sort of stuff. And, you know, I got offered an easier job last last week Okay. Yep. with Roadtec. But the money unless I go away and do ten day stints away from home, I don't make anywhere near as much money. Yeah. So I'd be working less hard, but I'd be spending more hours at work, you know, ten hour Mhmm. days instead of eight hour days and all that sort of and that's just working harder again Yeah. regard Correct. regardless of how how easy the work is. Yeah.","start_word":477,"end_word":628,"sentiment":"neutral","sentiment_score":-0.1370915025472641},{"text":"Definitely the stress on your body, especially with the traveling back and forth.","start_word":629,"end_word":641,"sentiment":"negative","sentiment_score":-0.34741634130477905},{"text":"Yeah. Yeah. Well, that's the other thing too. You know? Like, I pay for a house to rent to to live in. And if you're only gonna be home if you're away ten days and only home for four, what the hell are you paying rent for? Yeah. Absolutely. And, you know, if I owned me boat now, Mhmm. that that would probably be perfect. But Yeah. I don't own me boat yet. So, you No. know, I'm I'm I'm back at that same track of, you know, wait until I buy me a boat. Yes. Yeah. So, yeah, So that's with what you're right. So with retirement now, we last time we sort of chatted, we talked about, you know, you're looking at maybe 60, maybe 62 is kinda what you're aiming for now with your super. Do you think that's still about right, or do you think you wanna try and work longer than 65? Or what what are you thinking goal wise for a time now? I'm thinking sort of more of the the the sixty sixty two. Yep.","start_word":642,"end_word":823,"sentiment":"neutral","sentiment_score":0.02938076526254088},{"text":"Perfect.","start_word":824,"end_word":824,"sentiment":"positive","sentiment_score":0.43867361545562744},{"text":"Okay. So so do you wanna work on 62 for you as the goal age to access, or do you think you're more likely to wanna try and take some money out of 60? I I reckon I can push it to 62. 62?","start_word":825,"end_word":868,"sentiment":"neutral","sentiment_score":0.08032010495662689},{"text":"Beautiful.","start_word":869,"end_word":869,"sentiment":"positive","sentiment_score":0.44423598051071167},{"text":"Yep.","start_word":870,"end_word":870,"sentiment":"neutral","sentiment_score":0.3278549909591675},{"text":"Lovely.","start_word":871,"end_word":871,"sentiment":"positive","sentiment_score":0.5051459074020386},{"text":"And looking to your 58 now as of March this year. So you've got about four years. Yeah. Yeah. Yep. To age 62. Beautiful. Okay. Now with the profile that you're in now with your super at the moment, just going back into that section. Where are we? So you're in that growth kind of environment. So a growth portfolio generally suits someone who has about six years before they're wanting to access their funds, Yes. essentially, because that is where you have 80% of your money in those, like, growth investments, things like Australian shares, international shares, listed property, and commodities like gold and silver, and then Yep. only about 20% in low risk defensive investments. And those growth assets, they're essentially where you see a lot of the market ups and downs. You do see and see a lot of that as your balance gets bigger. And by having more of those investors, you are taking on more risk.","start_word":872,"end_word":1032,"sentiment":"neutral","sentiment_score":0.1282184120290768},{"text":"So you are hoping for a greater level of return by taking on more risk.","start_word":1033,"end_word":1047,"sentiment":"positive","sentiment_score":0.3754483461380005},{"text":"Because Yep. Yep. you do only have about four years before realistically accessing super, are you sort of at the point where you're feeling like you wanna maybe not have as much volatility?","start_word":1048,"end_word":1080,"sentiment":"neutral","sentiment_score":-0.16200712323188782},{"text":"You don't wanna see and feel those ups and downs as drastically.","start_word":1081,"end_word":1092,"sentiment":"negative","sentiment_score":-0.40199753642082214},{"text":"Is that right? Oh, I'd say so. Yeah. Yep. Yep.","start_word":1093,"end_word":1102,"sentiment":"neutral","sentiment_score":0.019787216559052467},{"text":"That's okay.","start_word":1103,"end_word":1104,"sentiment":"positive","sentiment_score":0.35170847177505493},{"text":"I'm just having a quick look at the risk profile questionnaire. This is sort of see where you fit and what sort of portfolio we should realistically look at for you. Now sorry. It won't be one second. My computer's a little bit slow this afternoon. Sorry That's alright. about that. Say about four four years there. No. No bathroom. No. Yeah. That's less storage. Alright. Yeah. Okay. Now, realistically, if you did see your super fall in, say, the next three years by about 20% there, Dennis, do you think Diner. you would be comfortable working a bit longer waiting for the portfolio to recover, or do you still think you'd be at a point where you're wanting to access the money and take it money out of super? How do you think you might feel?","start_word":1105,"end_word":1241,"sentiment":"neutral","sentiment_score":-0.07999793440103531},{"text":"That's hard to say. No. I'd probably end up waiting.","start_word":1242,"end_word":1251,"sentiment":"negative","sentiment_score":-0.4203825891017914},{"text":"You would be comfortable waiting?","start_word":1252,"end_word":1256,"sentiment":"neutral","sentiment_score":-0.29147255420684814},{"text":"You probably wouldn't wanna still access the super, and you have to cement I'm gonna losses.","start_word":1257,"end_word":1272,"sentiment":"negative","sentiment_score":-0.495252788066864},{"text":"put it. That shelves here. That'll turn off this bedroom. Yeah. I I think so, Daniel. Yep. Yeah. Yep. That's okay. That's alright. So we'll say three, hold, and wait. In the event of, say, the ups and downs that we are seeing at the moment, do you consider yourself more comfortable taking a higher level of risk even though you know that there are those downtimes and you may have to wait to access your funds, or are you sort of wanting to reduce the risk and have less returns knowing you're taking less risk as you are getting closer to accessing your super? Where do you sort of see yourself bidding with those two questions? I'll I'll probably say at the moment, just stay where Mhmm. I am. Yeah. You yep. Yep. You wanted to stay in that kind of growth environment for the time being? Yeah. Yeah. Yeah. I think so. Yep. That's okay. And, look, there's nothing wrong with that.","start_word":1273,"end_word":1436,"sentiment":"neutral","sentiment_score":-0.02755312024184117},{"text":"That's absolutely fine.","start_word":1437,"end_word":1439,"sentiment":"positive","sentiment_score":0.5318940281867981},{"text":"It's just the biggest side of it is that you are you do have more of those growth investments. So because we have seen more of those ups and downs this year with what's sort of happening in the market, you can see more of a downturn. And it's important to kind of understand that that is a risk we do take. If you decide during a downturn that you still wanna access those funds and stop working, then we are cementing losses. However, if you're, you know, seeing a downturn, you go, hey. Look. I'm happy to hold on for maybe another six to twelve months before I start to access that money.","start_word":1440,"end_word":1553,"sentiment":"neutral","sentiment_score":-0.0742793157696724},{"text":"I'm happy just to wait for a bit of recovery, and that's absolutely fine again.","start_word":1554,"end_word":1568,"sentiment":"positive","sentiment_score":0.3608552515506744},{"text":"The other side of it is, though, Dennis, if you just wanna hold on and keep the growth portfolio for the time being, you're due to have a full annual review in November. If you wanted me to, I could just do a catch up for you around about November. We do a full annual review then and see if you wanna look at decreasing your risk profile. Does that sound like something you're open to, or Yeah. what do Yeah. you feel? I I think that yeah.","start_word":1569,"end_word":1656,"sentiment":"neutral","sentiment_score":0.059173330664634705},{"text":"I I actually that sounds good, actually.","start_word":1657,"end_word":1663,"sentiment":"positive","sentiment_score":0.37512531876564026},{"text":"Yep. Yep. That's okay. So we'll make it November. Would you like me to do a catch up with you in between now and November, say, maybe August just to sort of catch up and see how things are going to give you the opportunity to tell me to look at reducing risk in that time frame if you're uncomfortable. Yeah. I suppose. Yeah. You you can talk to me as much or as little as you want. Yeah. No. I I think I'm gonna start dropping, like, a thousand dollar hits into me into me Into the investment? into the investment portfolio thing Yep. I've got. Yep. And and I'll start building it up a bit as well too. Yeah. Building. Yeah. Absolutely. Not a problem at all. Well, so what I can do is I mean, you've mentioned to me you're happy to stay where you are for the time being. You are still going through, obviously, speak speaking to your doctors and seeing what's gonna happen moving forward treatment wise for you.","start_word":1664,"end_word":1838,"sentiment":"neutral","sentiment_score":0.09756457895040511},{"text":"If you are happy to stay where you are, which is absolutely fine, I can do a catch up with you.","start_word":1839,"end_word":1859,"sentiment":"positive","sentiment_score":0.4143280684947967},{"text":"I'll get the team to give you a call in early August to book you in for another catch up to see how things are going. You Yep. can let Yep. me know in the meantime. If anything happens in the meantime, you go, hey. I'm not comfortable anymore. I don't wanna sit in this environment. I just wanna talk to you. Just give us a call, and the girls will book you in straight away to meet with me. It's not a problem at all. But then I can Yep. do a catch up with you in August, see how things are progressing, see how your house is going. And then, you know, when you get to November to get annual review, we can then again do the risk profile and assess your risk level then as well. Okay? Does that sound Yep. okay with you? Or Yeah. No. That sounds good. yeah.","start_word":1860,"end_word":2013,"sentiment":"neutral","sentiment_score":0.110944002866745},{"text":"Beautiful.","start_word":2014,"end_word":2014,"sentiment":"positive","sentiment_score":0.44435709714889526},{"text":"Yeah. I'm I'm just thinking, Yeah. like, I've got that that investment thing there. I might as well start putting money in it and getting something back from it anyway. Yeah. Yeah.","start_word":2015,"end_word":2046,"sentiment":"neutral","sentiment_score":0.12015009531751276},{"text":"Absolutely.","start_word":2047,"end_word":2047,"sentiment":"positive","sentiment_score":0.5027728080749512},{"text":"Look. It's not doing badly at the moment.","start_word":2048,"end_word":2055,"sentiment":"neutral","sentiment_score":0.023980310186743736},{"text":"Has been a bit up and down, but if you are able to put some money into it, even if you wanna not make it a thousand dollars each time, just maybe make it 500 in smaller increments on more of a regular basis, that can absolutely help you as well. And it means that you keep a little bit back for yourself in case you need that buffer for your medical appointments and things like that Yes.","start_word":2056,"end_word":2133,"sentiment":"positive","sentiment_score":0.3793586492538452},{"text":"as well. Yep. Yep. Yeah. Yeah. No. Look. I know. Yeah. I'm just sort of like, I'm I'm you you don't get a lot of interest out of the banks. No. So where I've got my money in the bank now, it might as well be and if I if I drip put it in so I catch the highs and lows, Absolutely. Yep. You you where's that whole $20 at the moment is catching every everything? That's correct. Yeah. Yeah. Yeah. I'm I'm I'm hoping that I might be able to balance it out a bit. Yeah. Absolutely. And that's what dollar cost averaging is. It's putting a regular amount of money in no matter what the market's doing. That way, if you put, you know, 500 in or a thousand dollars in and it's one period, the market then takes a bit of a dip. You put another thousand in at the next interval. The market takes a bit of a rise and do the same thing again. You do. You take advantage of the ups and downs without meaning to you're not trying to pick the market.","start_word":2134,"end_word":2323,"sentiment":"neutral","sentiment_score":0.10633507370948792},{"text":"You're just investing at regular intervals and dollar cost averaging in to take advantage of the market conditions. And over the longer term, you tend to benefit. It helps to reduce market risk because you're not trying to time the market. You're just putting that in. It helps to even out your returns, and you get I mean, when the market is down, you're taking those advantages and buying in at the discounted rate of the investment. So it does absolutely work out more in your favor to do it that way.","start_word":2324,"end_word":2415,"sentiment":"positive","sentiment_score":0.5093898138274318},{"text":"And and and look, I suppose too, Donna, Yeah. the superannuation becomes weekly now. Yeah. That's all gonna be payday as well. So that'll all go in at proper dollar cost averaging for you as well, and that's all supposed to start in July. Yeah. Yeah. So for me, that that means I'll be paid weekly.","start_word":2416,"end_word":2471,"sentiment":"neutral","sentiment_score":0.1062421128153801},{"text":"Beautiful. Super.","start_word":2472,"end_word":2473,"sentiment":"positive","sentiment_score":0.6115747690200806},{"text":"So Yep. I'm I'm whilst I'm probably not the happiest where I'm working, at the moment, they have made a change, which I'm hoping is gonna make it better. So I'll give them I'll give them another six months to see how that goes. Yep. Okay. Yep.","start_word":2474,"end_word":2520,"sentiment":"neutral","sentiment_score":0.04703950881958008},{"text":"And because I'm making good money now, like, that I can save, you know, towards me boat.","start_word":2521,"end_word":2537,"sentiment":"positive","sentiment_score":0.34042105078697205},{"text":"Yeah. Yeah. Like, I I I'd actually like to be able to buy me boat without touching any of Yeah. Yeah. me super. Even to the point of taking out a bank loan Mhmm. to buy it and then just live on it. So I'm not paying rent as such. You know, you're you're paying a mooring fee, Mhmm. Yeah. but I've gotta I've gotta pay that anyway. Yeah. And it's a it's about a $140 a week to live on a boat in a marina. Really? That's the mooring fee. That's actually cheaper than most rents. Yeah. Yeah. Yeah. And that gives you, you know, water and electricity and all sorts of stuff. Yeah. So, you know, to to stay at Kawaena, the Maroon at Kawaena on the Sunny Coast Yep. Yep. is about it's about 8 and a half grand to live there in the Maroona on your boat twelve months a year. So it's a cheap rent. Wow. Yeah. If you're in your boat and you're out cruising around an island, well, you don't pay rent. That's it. Yeah. And how long are you allowed to stay in the in that area for? If it's a permanent spot, you're allowed to stay there forever. Permanently? Yep. Okay.","start_word":2538,"end_word":2747,"sentiment":"neutral","sentiment_score":0.0824223836085626},{"text":"Perfect.","start_word":2748,"end_word":2748,"sentiment":"positive","sentiment_score":0.5050340294837952},{"text":"Do they let you just sort of, like, anchor yourself off, like, in there for a certain period of time without paying mooring fees at all, or is it all you've gotta cover the cost no matter what no no matter how long you're in there for? Different if you if you go into a marina anywhere up and down the coast, they Yep. will make you pay. Like Yep. a Regardless. it's like a Yeah. they're they're like a caravan park on water. Yeah. Yep. Okay. Cool.","start_word":2749,"end_word":2836,"sentiment":"neutral","sentiment_score":0.07702003419399261},{"text":"So Perfect.","start_word":2837,"end_word":2838,"sentiment":"positive","sentiment_score":0.3732606768608093},{"text":"you know and and, obviously, when you're out floating around in the ocean out near an island or something, you They're different. like, if you went over to Moreton Island, you just drop the you pick a spot and drop the anchor.","start_word":2839,"end_word":2880,"sentiment":"neutral","sentiment_score":0.06561796367168427},{"text":"Beautiful.","start_word":2881,"end_word":2881,"sentiment":"positive","sentiment_score":0.4118137955665589},{"text":"Yep.","start_word":2882,"end_word":2882,"sentiment":"neutral","sentiment_score":0.3049810528755188},{"text":"Beautiful place to anchor. Tell you what, a Sunday afternoon on the front on the front of your boat with a nice beer or something, that'd be a beautiful view.","start_word":2883,"end_word":2912,"sentiment":"positive","sentiment_score":0.4157425463199615},{"text":"Oh, yeah. Look. Moreton Island. Nice. I've I've came there before. Yeah. No. That'd be amazing. But, you know, if I can if I can get the money away, Yes. I I'm gonna note about a 150,000 to get a a pretty reasonable buck. Okay. So with what I've got in the bank and the and the $20 in the in the, up 24 fund, Mhmm. I've got about 80 now that I could wrestle up. Okay.","start_word":2913,"end_word":2989,"sentiment":"neutral","sentiment_score":0.06171480938792229},{"text":"Beautiful.","start_word":2990,"end_word":2990,"sentiment":"positive","sentiment_score":0.34211254119873047},{"text":"So And, yeah, I'm getting look, if you're putting close. some money into the yeah. And if you put some money into the investment account, we build that up. That over the next couple of years could also provide you with a bit of extra benefit there as well. So Absolutely. Yeah. So that's that's sort of what where I'm thinking now. Yep. Yeah. Beautiful. So No. yeah.","start_word":2991,"end_word":3058,"sentiment":"neutral","sentiment_score":0.1815501241122975},{"text":"Looking good. I think Excellent.","start_word":3059,"end_word":3063,"sentiment":"positive","sentiment_score":0.6003707647323608},{"text":"yeah. We might lose things a little bit till as they are until August again.","start_word":3064,"end_word":3078,"sentiment":"neutral","sentiment_score":-0.09500503540039062},{"text":"Beautiful.","start_word":3079,"end_word":3079,"sentiment":"positive","sentiment_score":0.4780825078487396},{"text":"Well, I will put in my calendar on probably the first week of August. I'll get Sammy to give you a call again, and she'll book you in for another bit of a catch up. If anything in the meantime comes up, you feel concerned or, you know, the doctors come back and say something's changed, let me know. I will more than happily book you in at any point in time. But in the meantime, we can just hold off until August. We'll do another quick catch up then to see how things are going, make sure you're still comfortable with where you're Yep. at. If you start if you can start putting some money into that investment account, that'd be fabulous, and we can kinda monitor that as well. And then, yeah, any questions pop up, you let me know. And then, of course, your annual review is back in November as well. So we'll reevaluate things again then for you. Okay? Yeah. Yep. Yep. Definitely. Yep.","start_word":3080,"end_word":3248,"sentiment":"neutral","sentiment_score":0.14404743909835815},{"text":"Beautiful. All good.","start_word":3249,"end_word":3251,"sentiment":"positive","sentiment_score":0.4682877659797669},{"text":"But now always let me know if there's any changes or anything else that you need. If you start to feel concerned or you hear anything in the news that's really starting to pick up or if anything changes health wise, give me a buzz. Let me know. I will always make time to fit you in, Dennis, and we'll have a really good catch up and a chat because anything can change. If license, liquid, we can move it and change it and alter it as often as you need. Okay? Yeah. No. Thank you. That's okay.","start_word":3252,"end_word":3349,"sentiment":"neutral","sentiment_score":0.08292525261640549},{"text":"My pleasure.","start_word":3350,"end_word":3351,"sentiment":"positive","sentiment_score":0.4701273441314697},{"text":"I'm glad you you know, I'm I'm glad it's only a small aneurysm at the moment, but it'd be great once it's gone. Not having it all would be a lot better, but I'm glad it's only small right now. And, hopefully, work is a little bit less stressful for you moving into this new new role. That's yeah. That's so we've hired a a safety adviser now to be on-site. Okay. So I've I've literally told him that one of my biggest worries is now his. Yes. I'll help him and everything and support him, but Yeah. I'm not gonna worry about it too much anymore sort of thing, No. which Fair enough. I will I will, but, you know, I'm Yeah. not telling him that. No. So No. No. No. Absolutely. but, you know, so long as he keeps like, I'll be able to order what he's doing and everything sort of on a weekly basis and Beautiful. and see how we're traveling. Yep.","start_word":3352,"end_word":3517,"sentiment":"neutral","sentiment_score":0.07033897516687951},{"text":"Fantastic. That'll be good. That'll keep you more in the office side of things.","start_word":3518,"end_word":3531,"sentiment":"positive","sentiment_score":0.5057372450828552},{"text":"No. Not having to go on-site very often. Are you gonna be required to go on-site at least sort of every so often to check on him, or are you just gonna monitor him from the office? No. I still have to go to Seward once every once a month. Okay. Well, that's a little bit less. That's good. Yeah. So I've gotta do yeah. Yeah. Yeah. Well, it's alright Yeah. at the moment. We've only got one site operating. Yep. But when there's two or three, There's a lot more traveling. Yeah. it's a lot more driving. Yeah. Because Absolutely. they get me to drive to the places and, you know, I'm going to Daintree this week. Yeah. You know, everybody wants to go to the Daintree because it's beautiful and everything else. So I have to go there Yeah. and work. Yeah. It's not the same app impact, does it? It doesn't have the No. same impact. It's not it's not not as nice to look at when you're working there. No. No. And there's a five meter crop that just happens to decided that we're we're encroaching on his territory. Oh. Oh, no. So he's a problem. But, anyway, we'll fix him. Put fences No. up or something, stop him. Yeah. No. That's absolutely fine.","start_word":3532,"end_word":3749,"sentiment":"neutral","sentiment_score":-0.039739499304341064},{"text":"Well, hopefully, it all goes well.","start_word":3750,"end_word":3755,"sentiment":"positive","sentiment_score":0.427593469619751},{"text":"And, yeah, look, we'll do a catch up in it's about two months. Well, just over a month away to August. We're at the end of June now. It's Insane how fast Yeah. this year is going. And then, yeah, in as I said, in the meantime, if there's anything you need, it doesn't matter what it is, any questions you have, any concerns. If you hear something that's concerning you adopt an appointment that comes out a little bit, you know, bizarre or you're starting to feel a bit uneasy, just pick up the phone and let the girls know they'll book you in with me. Often, if you call in and I'm available, I'll take the call off the customer. Just, you know, Thank let me you. know if anything, but I'll make sure we touch base in August and see how things are going, maybe reevaluate Yep. where you're at, and then again in November. So we keep regular contact. And that Yep. way, when and if you start to feel nervous, you wanna take less risk, we can make that action nice and quick for you. Okay? Yeah. No. Right. Yeah.","start_word":3756,"end_word":3950,"sentiment":"neutral","sentiment_score":0.03262210264801979},{"text":"Thank you, Donna.","start_word":3951,"end_word":3953,"sentiment":"positive","sentiment_score":0.3408803343772888},{"text":"That's okay. That's alright. Do you have any other questions, concerns, or anything else that you want me to kinda follow-up for you at the moment? Or No. Not really. I think everything's sort of traveling. Well, the last time I was talking to you here a month ago or so ago, my investment had bounced back, and I Yeah. don't know where it is now. But It's still up.","start_word":3954,"end_word":4023,"sentiment":"neutral","sentiment_score":0.028444670140743256},{"text":"It's definitely still up. So you've still made some money.","start_word":4024,"end_word":4033,"sentiment":"positive","sentiment_score":0.4008526504039765},{"text":"I just had a quick look at those for you.","start_word":4034,"end_word":4043,"sentiment":"neutral","sentiment_score":0.32745081186294556},{"text":"So you're super in the last three months. You're up by 6.24% net of fees, which is great.","start_word":4044,"end_word":4061,"sentiment":"positive","sentiment_score":0.6319510340690613},{"text":"yep. And I would just have a look at the investment for you. Sorry. Just gonna go back to the other screen then. Have a look. So the investment value is at 20,117. So it is a little bit low from where it was last time we spoke, but it is still up. You still got more than the 20,000 you put in, which is capital. And Yeah. Well, you've there was no one made, doing so yep. Sorry. when I put the 20 in, there was, like, a $100 taken off that for fees or whatever, wasn't there? Yep. Yeah. So you ended up with initial value of 19,290 and So we topped over a grand. $14 in earnings. That's the growth and income. So, yeah, they're both doing well at the moment, and that's in the last three months for your investment as well. So you are up in both aspects at the moment. And, yeah, when and if you're able to pop some money into the investment, we'll keep monitoring that for you. If you want even just next month, I can just generate maybe a report halfway through the month and send it through once we sort of see some money going in. I can generate another one of these reports and send it through to you just via email so you can see the net return and have a bit of a look at things and how it's tracking as well. Did you want me to organize that for you? Yes. Yeah. Actually, that doesn't sound too bad. Absolutely. I'll generate it probably mid July. That way, some money can go in. We can be compounding that a little bit. And then I can generate another one of these little reports for you and send an email through just to the, hey. Here's the report. This is what it's showing. This is how it, you know, it is at the moment, and then you can always let me know if you have additional questions there. Okay. Yeah. Yeah. Yeah. That'd be Yep.","start_word":4062,"end_word":4408,"sentiment":"neutral","sentiment_score":0.10761518170922908},{"text":"good. Fantastic. I can do that. Not a problem at all. I'll pop it in for the middle of July. Easy. Thanks, Donna. I appreciate That's it.","start_word":4409,"end_word":4435,"sentiment":"positive","sentiment_score":0.4316179156303406},{"text":"okay.","start_word":4436,"end_word":4436,"sentiment":"neutral","sentiment_score":0.2061598151922226},{"text":"That's not a problem at all. Always here and happy to help, Dennis. It's good to see things on the upward and, yeah, to see look after your health. It's something as you've been on my mind. That's for sure. I've been thinking about you and hoping that you're all okay and hoping those doctor's appointments are going well for you because, yeah, it's a lot Yeah.","start_word":4437,"end_word":4503,"sentiment":"positive","sentiment_score":0.5521701574325562},{"text":"to deal with at the moment. So Yeah. Yeah. The next one's in about two weeks' time, I think. Two weeks. I hope So it all goes well. Yeah. yeah. Oh, well, so not much I can do about it. We'll see what happens. No. Absolutely. Yeah. Absolutely. But now, look, you're No. always on always in the back of our mind, and we'll make sure we keep checking in with you. Okay. No.","start_word":4504,"end_word":4577,"sentiment":"neutral","sentiment_score":0.002052076393738389},{"text":"Great.","start_word":4578,"end_word":4578,"sentiment":"positive","sentiment_score":0.34523361921310425},{"text":"Thanks, That's okay. That's not a problem at all. I will probably just let you go for the afternoon now so you can have a bit of a rest, but I'll make sure I fill up with a report Diana. next month for you for your sleep and your investment. And I will make sure we book you in in August for a bit of a catch up to see how things are tracking. Okay. Yeah. No.","start_word":4579,"end_word":4655,"sentiment":"neutral","sentiment_score":0.2298611551523209},{"text":"That'd be great.","start_word":4656,"end_word":4658,"sentiment":"positive","sentiment_score":0.3444534242153168},{"text":"Okay. No worries Yep. at all. And as I said, call me if there's any changes or anything else that you need from me.","start_word":4659,"end_word":4682,"sentiment":"neutral","sentiment_score":0.18768435716629028},{"text":"I'm always, you know, always happy to help.","start_word":4683,"end_word":4690,"sentiment":"positive","sentiment_score":0.4507681429386139},{"text":"And if I'm not on the phone, I'll take the call off the cuff for you. Okay? Yeah. No. Thank you. No. I do appreciate that. Not a problem at all, Dennis. What do you got for the afternoon? You just got home? You're ready to sit down and relax a little bit? I'm around at my son's new place. I come here to Oh, lovely. see him and have a look where he's living now in town.","start_word":4691,"end_word":4768,"sentiment":"neutral","sentiment_score":0.16023235023021698},{"text":"So Oh, lovely. That's so good. Well, I will let you go so you can spend some time with him, but thank you so much for taking my call this afternoon. I I appreciate your time.","start_word":4769,"end_word":4804,"sentiment":"positive","sentiment_score":0.48412347833315533},{"text":"No. No. I appreciate it too, Donnan. Don't worry. It's like yeah. It's awkward. I think everything's working fine at the moment. It is. Yeah. Absolutely. So Yep. oh, thank Alright.","start_word":4805,"end_word":4835,"sentiment":"neutral","sentiment_score":0.023635197430849075},{"text":"you. All good. My pleasure. Well, you have a lovely afternoon.","start_word":4836,"end_word":4846,"sentiment":"positive","sentiment_score":0.5811067223548889},{"text":"Yeah.","start_word":4847,"end_word":4847,"sentiment":"neutral","sentiment_score":0.2896381914615631},{"text":"Thank you.","start_word":4848,"end_word":4849,"sentiment":"positive","sentiment_score":0.398893803358078},{"text":"I No will. worries, Dennis.","start_word":4850,"end_word":4854,"sentiment":"neutral","sentiment_score":0.12471672147512436},{"text":"You have a great one.","start_word":4855,"end_word":4859,"sentiment":"positive","sentiment_score":0.5464548468589783},{"text":"I'll talk to you soon. Okay. See you. See you later. Bye. Bye.","start_word":4860,"end_word":4872,"sentiment":"neutral","sentiment_score":0.15799149870872498}],"average":{"sentiment":"neutral","sentiment_score":0.07986400395657386}}}}