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Mate, I've put together a bit of a plan that I was gonna send through to you today for the superannuation review, if that rings a bell. Yep. I have actually gone ahead and canceled that plan, unfortunately. I've flagged it for not being in your best interest. So what basically ended up happening, we had fantastic research come through, found some really good super that was gonna get about an extra maybe 5% was looking very strong. And I put together a plan to transfer your insurances across from HESTA. And that was probably gonna be about a $100 cheaper for you. But when I dug into the underwriting a little bit more so usually when you've got health concerns, you can transfer insurances across, but I dug a bit deeper into, obviously, your condition. And if there's a risk of it progressing to, like, not being able to work again, terminal illness, that kind of thing, it can't actually be transferred across. So you would have to keep your existing insurances in place. So what that basically means is that your best interest is to keep your HESTA or run two super funds and pay fees for having two accounts open, if that makes sense. Pretty much. And, look, I talked to the team here and really wanted to sort of be alongside you on a few things, but it just it didn't really sit right with me trying to fit a square peg into a round hole, if that makes sense. And there's definitely things to do. I think the main thing for you to come back to at one one point is, like I mentioned, when you hit 60 and you hit your preservation age, transitioning the super into that pension phase, doing some recontribution strategies to bump things up a little bit, getting access and claims as things progress. There's lots of things that you can do, but at this stage, for the next three years, you're best betters to stick with Hester. Okay. Awesome, mate. Do you have any questions for me? Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. No. You're bang on right, man. It's one of those things where we never like failing, and so we always wanna try and make it work and pride myself in trying to find that that extra little thread that people haven't considered before or try and find the one that works. And then when it doesn't, yeah, it's pretty disappointing. And and look, I do apologize for also wasting your time a little bit too as well and appreciate the feedback. And there's certain things too. Like, when it comes to, like, plan b's and c's, there's default insurance coverages that you can get that'll give you a little bit of TBD cover, you know, like term total and permanent disablement. It just won't cover you for your main condition. So, yeah, it's good. Like, if you're in a car accident, here's $90 and pay off your mortgage kind of thing. But if the main thing you've got going on is that, what's the point in paying all those premiums for anything else that might happen when the most likely issue is not gonna be protected? Yeah. Yep. Pay off the mortgage, build up some savings. It does the same impact at the end of the day. I've had some people come through age 63, and they're paying $20,000 a year for an insurance policy. And it's just like, what what was been the point of that? Yeah. Yeah. Yeah. Correct. Yeah. And you've been asking for quite a while, haven't you? And that's the thing too. One of the things that people don't really realize is that when you get all these insurances right, they've got a preexisting condition clause. But it actually for most super funds, it expires after three to five years. So if you hold it long enough, they still kinda have to pay you out. So if you try and move that, if anybody tries to move that and it resets that and something happens to you in the next three to five years, that's pointless when you're, you've paid premiums for so long that they pretty much have to pay you out. Yeah. Yep. Do it straight away. Do it in the first day or so. Check your eggs and get back to them straight away. One of the things that I would like to see, and this is just between you and me, but being able to actually give like, most of those super funds, they don't have the infrastructure to give the advice that the that the membership base need, and they're coming closer to the point where they're allowing advisers to have more access and control within the funds because even simple things like contribution strategies and just changing your investments within Hesta can have a big difference and doing some things to transit. I had the lady call me up three weeks ago. She had been kicked out of home, divorced, all these issues have just happened, and she spent all of her money trying to get into a house. And she's 62, so she can access a super. Do you think the people on the phone helped her through the application forms? So I sat there for free with her in my office explaining to her how to fill in their forms to get her into their pension account to get her money out, and they refused to do so. Yeah. Yeah. Yeah. Yeah. Mate, well, these days, it's gone up to over $3,000,000,000,000. It's the biggest pool of money in the country, and everybody wants a slice of it, unfortunately. So it means a mixture of all the different banks, insurance companies, advisers, fund managers, everybody wants to have a slice of it. At the end of the day, there's somebody there who's trying to get an outcome out of it for something they actually need, and you're mixed in with all these different institutions, and it's quite painful. Yeah. Look. Not anymore. You know? But it's the soft benefits. It's the soft benefits. There's those things there where someone there was stories that used to happen seven, eight, nine years ago of people going out to an island, having parties with Macquarie Bank, and they would set everybody up with, you know, golf courses and food and drinks and yachts and all this sort of thing and fly you out there and all that kind of thing. So there's there's soft benefits there, but there's no, like, direct kickbacks anymore. They kind of chop those off, but everyone finds a way around to do something or get something. Yep. Little things like that. Yeah. Yeah. I hope I hope someone comes along or, you know, even if you do it yourself or someone comes along where it's just a simple easy, hey. You know, you should do this. Go and do it. Happy days. You'll get you a bit better outcome. Awesome. I mate, it has been a pleasure, and thank you again. But, mate, I wish you all the best. Awesome, Ivan. Take care, mate. 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Ivan. It's Tommy here from Oakview Financial, mate. How are you doing? Living the dream so far. Have you got two minutes?\n\nAwesome. Awesome. Mate, I've put together a bit of a plan that I was gonna send through to you today for the superannuation review, if that rings a bell. Yep. I have actually gone ahead and canceled that plan, unfortunately.\n\nI've flagged it for not being in your best interest. So what basically ended up happening, we had fantastic research come through, found some really good super that was gonna get about an extra maybe 5% was looking very strong. And I put together a plan to transfer your insurances across from HESTA. And that was probably gonna be about a $100 cheaper for you. But when I dug into the underwriting a little bit more so usually when you've got health concerns, you can transfer insurances across, but I dug a bit deeper into, obviously, your condition.\n\nAnd if there's a risk of it progressing to, like, not being able to work again, terminal illness, that kind of thing, it can't actually be transferred across. So you would have to keep your existing insurances in place. So what that basically means is that your best interest is to keep your HESTA or run two super funds and pay fees for having two accounts open, if that makes sense. Pretty much. And, look, I talked to the team here and really wanted to sort of be alongside you on a few things, but it just it didn't really sit right with me trying to fit a square peg into a round hole, if that makes sense.\n\nAnd there's definitely things to do. I think the main thing for you to come back to at one one point is, like I mentioned, when you hit 60 and you hit your preservation age, transitioning the super into that pension phase, doing some recontribution strategies to bump things up a little bit, getting access and claims as things progress. There's lots of things that you can do, but at this stage, for the next three years, you're best betters to stick with Hester. Okay. Awesome, mate.\n\nDo you have any questions for me? Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. No. You're bang on right, man. It's one of those things where we never like failing, and so we always wanna try and make it work and pride myself in trying to find that that extra little thread that people haven't considered before or try and find the one that works.\n\nAnd then when it doesn't, yeah, it's pretty disappointing. And and look, I do apologize for also wasting your time a little bit too as well and appreciate the feedback. And there's certain things too. Like, when it comes to, like, plan b's and c's, there's default insurance coverages that you can get that'll give you a little bit of TBD cover, you know, like term total and permanent disablement. It just won't cover you for your main condition.\n\nSo, yeah, it's good. Like, if you're in a car accident, here's $90 and pay off your mortgage kind of thing. But if the main thing you've got going on is that, what's the point in paying all those premiums for anything else that might happen when the most likely issue is not gonna be protected? Yeah. Yep.\n\nPay off the mortgage, build up some savings. It does the same impact at the end of the day. I've had some people come through age 63, and they're paying $20,000 a year for an insurance policy. And it's just like, what what was been the point of that? Yeah.\n\nYeah. Yeah. Correct. Yeah. And you've been asking for quite a while, haven't you?\n\nAnd that's the thing too. One of the things that people don't really realize is that when you get all these insurances right, they've got a preexisting condition clause. But it actually for most super funds, it expires after three to five years. So if you hold it long enough, they still kinda have to pay you out. So if you try and move that, if anybody tries to move that and it resets that and something happens to you in the next three to five years, that's pointless when you're, you've paid premiums for so long that they pretty much have to pay you out.\n\nYeah. Yep. Do it straight away. Do it in the first day or so. Check your eggs and get back to them straight away.\n\nOne of the things that I would like to see, and this is just between you and me, but being able to actually give like, most of those super funds, they don't have the infrastructure to give the advice that the that the membership base need, and they're coming closer to the point where they're allowing advisers to have more access and control within the funds because even simple things like contribution strategies and just changing your investments within Hesta can have a big difference and doing some things to transit. I had the lady call me up three weeks ago. She had been kicked out of home, divorced, all these issues have just happened, and she spent all of her money trying to get into a house. And she's 62, so she can access a super. Do you think the people on the phone helped her through the application forms?\n\nSo I sat there for free with her in my office explaining to her how to fill in their forms to get her into their pension account to get her money out, and they refused to do so. Yeah. Yeah. Yeah. Yeah.\n\nMate, well, these days, it's gone up to over $3,000,000,000,000. It's the biggest pool of money in the country, and everybody wants a slice of it, unfortunately. So it means a mixture of all the different banks, insurance companies, advisers, fund managers, everybody wants to have a slice of it. At the end of the day, there's somebody there who's trying to get an outcome out of it for something they actually need, and you're mixed in with all these different institutions, and it's quite painful. Yeah.\n\nLook. Not anymore. You know? But it's the soft benefits. It's the soft benefits.\n\nThere's those things there where someone there was stories that used to happen seven, eight, nine years ago of people going out to an island, having parties with Macquarie Bank, and they would set everybody up with, you know, golf courses and food and drinks and yachts and all this sort of thing and fly you out there and all that kind of thing. So there's there's soft benefits there, but there's no, like, direct kickbacks anymore. They kind of chop those off, but everyone finds a way around to do something or get something. Yep. Little things like that.\n\nYeah. Yeah. I hope I hope someone comes along or, you know, even if you do it yourself or someone comes along where it's just a simple easy, hey. You know, you should do this. Go and do it.\n\nHappy days. You'll get you a bit better outcome. Awesome. I mate, it has been a pleasure, and thank you again. But, mate, I wish you all the best.\n\nAwesome, Ivan. Take care, mate. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Ivan.","start":2.48,"end":3.12,"sentiment":"neutral","sentiment_score":0.21177885681390762},{"text":"It's Tommy here from Oakview Financial, mate.","start":3.12,"end":4.96,"sentiment":"neutral","sentiment_score":0.22569702778543746},{"text":"How are you doing?","start":4.96,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.3146694675087929},{"text":"Living the dream so far.","start":7.9199996,"end":9.12,"sentiment":"positive","sentiment_score":0.5634098172187805},{"text":"Have you got two minutes?","start":9.12,"end":10.34,"sentiment":"neutral","sentiment_score":0.1818150609731674}],"sentiment":"neutral","sentiment_score":0.3038364856139473,"num_words":23,"start":2.48,"end":10.34},{"sentences":[{"text":"Awesome.","start":12.0,"end":12.4,"sentiment":"positive","sentiment_score":0.7734686136245728},{"text":"Awesome.","start":12.4,"end":12.639999,"sentiment":"positive","sentiment_score":0.7539471387863159},{"text":"Mate, I've put together a bit of a plan that I was gonna send through to you today for the superannuation review, if that rings a bell.","start":12.639999,"end":20.664999,"sentiment":"positive","sentiment_score":0.40346897807386184},{"text":"Yep.","start":21.925,"end":22.425,"sentiment":"neutral","sentiment_score":-0.12503165006637573},{"text":"I have actually gone ahead and canceled that plan, unfortunately.","start":22.965,"end":26.345,"sentiment":"negative","sentiment_score":-0.4663304716348648}],"sentiment":"neutral","sentiment_score":0.19081854484975339,"num_words":40,"start":12.0,"end":26.345},{"sentences":[{"text":"I've flagged it for not being in your best interest.","start":27.605,"end":30.425,"sentiment":"negative","sentiment_score":-0.5394190192222595},{"text":"So what basically ended up happening, we had fantastic research come through, found some really good super that was gonna get about an extra maybe 5% was looking very strong.","start":32.239998,"end":41.54,"sentiment":"neutral","sentiment_score":0.32393327305714287},{"text":"And I put together a plan to transfer your insurances across from HESTA.","start":41.92,"end":47.175,"sentiment":"neutral","sentiment_score":0.26594052062584805},{"text":"And that was probably gonna be about a $100 cheaper for you.","start":47.714996,"end":51.574997,"sentiment":"positive","sentiment_score":0.3483828157186508},{"text":"But when I dug into the underwriting a little bit more so usually when you've got health concerns, you can transfer insurances across, but I dug a bit deeper into, obviously, your condition.","start":51.714996,"end":63.66,"sentiment":"neutral","sentiment_score":-0.16760246907219742}],"sentiment":"neutral","sentiment_score":0.06561986813131644,"num_words":98,"start":27.605,"end":63.66},{"sentences":[{"text":"And if there's a risk of it progressing to, like, not being able to work again, terminal illness, that kind of thing, it can't actually be transferred across.","start":64.2,"end":73.82,"sentiment":"neutral","sentiment_score":-0.2721834182739258},{"text":"So you would have to keep your existing insurances in place.","start":74.115,"end":77.015,"sentiment":"neutral","sentiment_score":-0.043113994327458466},{"text":"So what that basically means is that your best interest is to keep your HESTA or run two super funds and pay fees for having two accounts open, if that makes sense.","start":77.395,"end":86.774994,"sentiment":"neutral","sentiment_score":0.04731779685243964},{"text":"Pretty much.","start":90.659996,"end":91.3,"sentiment":"neutral","sentiment_score":-0.2895553410053253},{"text":"And, look, I talked to the team here and really wanted to sort of be alongside you on a few things, but it just it didn't really sit right with me trying to fit a square peg into a round hole, if that makes sense.","start":91.3,"end":103.275,"sentiment":"neutral","sentiment_score":-0.08880807922946082}],"sentiment":"neutral","sentiment_score":-0.09454825760449394,"num_words":118,"start":64.2,"end":103.275},{"sentences":[{"text":"And there's definitely things to do.","start":105.975,"end":107.655,"sentiment":"neutral","sentiment_score":0.09397504230340321},{"text":"I think the main thing for you to come back to at one one point is, like I mentioned, when you hit 60 and you hit your preservation age, transitioning the super into that pension phase, doing some recontribution strategies to bump things up a little bit, getting access and claims as things progress.","start":107.655,"end":125.14,"sentiment":"neutral","sentiment_score":0.04661616779587887},{"text":"There's lots of things that you can do, but at this stage, for the next three years, you're best betters to stick with Hester.","start":125.2,"end":131.3,"sentiment":"neutral","sentiment_score":-0.032480158183413245},{"text":"Okay.","start":134.085,"end":134.585,"sentiment":"neutral","sentiment_score":0.12090113759040833},{"text":"Awesome, mate.","start":136.16501,"end":136.80501,"sentiment":"positive","sentiment_score":0.6065497398376465}],"sentiment":"neutral","sentiment_score":0.041788507306455884,"num_words":87,"start":105.975,"end":136.80501},{"sentences":[{"text":"Do you have any questions for me?","start":136.80501,"end":138.425,"sentiment":"neutral","sentiment_score":0.18746751440422876},{"text":"Yeah.","start":166.35501,"end":166.85501,"sentiment":"neutral","sentiment_score":-0.002826094627380371},{"text":"Yeah.","start":167.475,"end":167.955,"sentiment":"neutral","sentiment_score":0.03199198469519615},{"text":"Yeah.","start":167.955,"end":168.455,"sentiment":"neutral","sentiment_score":0.04331643879413605},{"text":"Yeah.","start":175.42,"end":175.92,"sentiment":"neutral","sentiment_score":0.0785258412361145}],"sentiment":"neutral","sentiment_score":0.13302552462978798,"num_words":11,"start":136.80501,"end":175.92},{"sentences":[{"text":"Yeah.","start":177.01999,"end":177.51999,"sentiment":"neutral","sentiment_score":0.059124819934368134},{"text":"Yeah.","start":182.47499,"end":182.715,"sentiment":"neutral","sentiment_score":0.004756547510623932},{"text":"No.","start":182.715,"end":182.95499,"sentiment":"negative","sentiment_score":-0.3493567109107971},{"text":"You're bang on right, man.","start":182.95499,"end":184.31499,"sentiment":"neutral","sentiment_score":-0.25639263093471526},{"text":"It's one of those things where we never like failing, and so we always wanna try and make it work and pride myself in trying to find that that extra little thread that people haven't considered before or try and find the one that works.","start":184.31499,"end":196.53,"sentiment":"neutral","sentiment_score":-0.09411623908413781}],"sentiment":"neutral","sentiment_score":-0.1094843256023695,"num_words":53,"start":177.01999,"end":196.53},{"sentences":[{"text":"And then when it doesn't, yeah, it's pretty disappointing.","start":196.77,"end":198.95,"sentiment":"negative","sentiment_score":-0.4523767994509803},{"text":"And and look, I do apologize for also wasting your time a little bit too as well and appreciate the feedback.","start":199.17,"end":204.47,"sentiment":"neutral","sentiment_score":-0.19302796572446823},{"text":"And there's certain things too.","start":217.265,"end":218.545,"sentiment":"neutral","sentiment_score":-0.029785703122615814},{"text":"Like, when it comes to, like, plan b's and c's, there's default insurance coverages that you can get that'll give you a little bit of TBD cover, you know, like term total and permanent disablement.","start":218.545,"end":229.34999,"sentiment":"neutral","sentiment_score":-0.045284653401800566},{"text":"It just won't cover you for your main condition.","start":229.65,"end":231.98999,"sentiment":"neutral","sentiment_score":-0.12553764796919292}],"sentiment":"neutral","sentiment_score":-0.13909757837558848,"num_words":79,"start":196.77,"end":231.98999},{"sentences":[{"text":"So, yeah, it's good.","start":232.20999,"end":233.25,"sentiment":"neutral","sentiment_score":0.3088117949664593},{"text":"Like, if you're in a car accident, here's $90 and pay off your mortgage kind of thing.","start":233.25,"end":237.43,"sentiment":"neutral","sentiment_score":-0.06290776370202794},{"text":"But if the main thing you've got going on is that, what's the point in paying all those premiums for anything else that might happen when the most likely issue is not gonna be protected?","start":237.735,"end":247.275,"sentiment":"negative","sentiment_score":-0.3374581630740847},{"text":"Yeah.","start":269.04498,"end":269.54498,"sentiment":"neutral","sentiment_score":-0.03279156982898712},{"text":"Yep.","start":277.62,"end":278.12,"sentiment":"neutral","sentiment_score":0.1078466773033142}],"sentiment":"neutral","sentiment_score":-0.1994856103997806,"num_words":58,"start":232.20999,"end":278.12},{"sentences":[{"text":"Pay off the mortgage, build up some savings.","start":278.34,"end":280.52002,"sentiment":"neutral","sentiment_score":0.15881289076060057},{"text":"It does the same impact at the end of the day.","start":280.58002,"end":283.08002,"sentiment":"neutral","sentiment_score":0.057755729014223274},{"text":"I've had some people come through age 63, and they're paying $20,000 a year for an insurance policy.","start":283.54,"end":289.54498,"sentiment":"neutral","sentiment_score":-0.13635551391376388},{"text":"And it's just like, what what was been the point of that?","start":289.84497,"end":292.66498,"sentiment":"neutral","sentiment_score":-0.1994474232196808},{"text":"Yeah.","start":312.035,"end":312.535,"sentiment":"neutral","sentiment_score":0.27046841382980347}],"sentiment":"neutral","sentiment_score":-0.05342967540025711,"num_words":50,"start":278.34,"end":312.535},{"sentences":[{"text":"Yeah.","start":325.09,"end":325.59,"sentiment":"neutral","sentiment_score":0.07190024852752686},{"text":"Yeah.","start":332.85,"end":333.35,"sentiment":"neutral","sentiment_score":0.011440753936767578},{"text":"Correct.","start":346.96,"end":347.46,"sentiment":"neutral","sentiment_score":-0.003640010952949524},{"text":"Yeah.","start":356.16,"end":356.48,"sentiment":"neutral","sentiment_score":0.003121534362435341},{"text":"And you've been asking for quite a while, haven't you?","start":356.48,"end":358.755,"sentiment":"neutral","sentiment_score":-0.0309913263656199}],"sentiment":"neutral","sentiment_score":-0.01622076698445848,"num_words":14,"start":325.09,"end":358.755},{"sentences":[{"text":"And that's the thing too.","start":362.67502,"end":363.555,"sentiment":"neutral","sentiment_score":-0.07237272337079048},{"text":"One of the things that people don't really realize is that when you get all these insurances right, they've got a preexisting condition clause.","start":363.555,"end":370.775,"sentiment":"neutral","sentiment_score":-0.20341966301202774},{"text":"But it actually for most super funds, it expires after three to five years.","start":371.11002,"end":375.27002,"sentiment":"neutral","sentiment_score":-0.2112557664513588},{"text":"So if you hold it long enough, they still kinda have to pay you out.","start":375.27002,"end":378.25,"sentiment":"negative","sentiment_score":-0.35844315886497496},{"text":"So if you try and move that, if anybody tries to move that and it resets that and something happens to you in the next three to five years, that's pointless when you're, you've paid premiums for so long that they pretty much have to pay you out.","start":378.47,"end":393.835,"sentiment":"negative","sentiment_score":-0.3929642516498764}],"sentiment":"neutral","sentiment_score":-0.30604195963802205,"num_words":106,"start":362.67502,"end":393.835},{"sentences":[{"text":"Yeah.","start":413.125,"end":413.365,"sentiment":"neutral","sentiment_score":0.0748147964477539},{"text":"Yep.","start":413.365,"end":413.765,"sentiment":"neutral","sentiment_score":0.15409038960933685},{"text":"Do it straight away.","start":413.765,"end":414.645,"sentiment":"neutral","sentiment_score":0.22452295944094658},{"text":"Do it in the first day or so.","start":414.645,"end":416.905,"sentiment":"neutral","sentiment_score":0.22781803458929062},{"text":"Check your eggs and get back to them straight away.","start":417.125,"end":419.625,"sentiment":"neutral","sentiment_score":0.07678605392575263}],"sentiment":"neutral","sentiment_score":0.15489174332469702,"num_words":24,"start":413.125,"end":419.625},{"sentences":[{"text":"One of the things that I would like to see, and this is just between you and me, but being able to actually give like, most of those super funds, they don't have the infrastructure to give the advice that the that the membership base need, and they're coming closer to the point where they're allowing advisers to have more access and control within the funds because even simple things like contribution strategies and just changing your investments within Hesta can have a big difference and doing some things to transit.","start":420.085,"end":447.22498,"sentiment":"neutral","sentiment_score":0.20516227341287738},{"text":"I had the lady call me up three weeks ago.","start":447.22498,"end":450.525,"sentiment":"neutral","sentiment_score":0.028142660111188888},{"text":"She had been kicked out of home, divorced, all these issues have just happened, and she spent all of her money trying to get into a house.","start":451.16,"end":458.14,"sentiment":"neutral","sentiment_score":-0.1518263721631633},{"text":"And she's 62, so she can access a super.","start":458.28,"end":460.7,"sentiment":"neutral","sentiment_score":0.07339957356452942},{"text":"Do you think the people on the phone helped her through the application forms?","start":460.76,"end":464.22,"sentiment":"neutral","sentiment_score":-0.02377593091556004}],"sentiment":"neutral","sentiment_score":0.1005272487585513,"num_words":151,"start":420.085,"end":464.22},{"sentences":[{"text":"So I sat there for free with her in my office explaining to her how to fill in their forms to get her into their pension account to get her money out, and they refused to do so.","start":465.905,"end":476.76,"sentiment":"neutral","sentiment_score":-0.22882086195443807},{"text":"Yeah.","start":482.92,"end":483.42,"sentiment":"neutral","sentiment_score":-0.2756185233592987},{"text":"Yeah.","start":500.535,"end":501.035,"sentiment":"neutral","sentiment_score":-0.1088145598769188},{"text":"Yeah.","start":523.425,"end":523.925,"sentiment":"neutral","sentiment_score":-0.0560322031378746},{"text":"Yeah.","start":535.92,"end":536.42,"sentiment":"neutral","sentiment_score":0.14390307664871216}],"sentiment":"neutral","sentiment_score":-0.21408940390461967,"num_words":42,"start":465.905,"end":536.42},{"sentences":[{"text":"Mate, well, these days, it's gone up to over $3,000,000,000,000.","start":549.055,"end":552.335,"sentiment":"neutral","sentiment_score":-0.2185465395450592},{"text":"It's the biggest pool of money in the country, and everybody wants a slice of it, unfortunately.","start":552.335,"end":558.17,"sentiment":"neutral","sentiment_score":-0.32114513130748973},{"text":"So it means a mixture of all the different banks, insurance companies, advisers, fund managers, everybody wants to have a slice of it.","start":558.55,"end":565.575,"sentiment":"neutral","sentiment_score":-0.19573364374430283},{"text":"At the end of the day, there's somebody there who's trying to get an outcome out of it for something they actually need, and you're mixed in with all these different institutions, and it's quite painful.","start":565.655,"end":574.955,"sentiment":"negative","sentiment_score":-0.37155910746918785},{"text":"Yeah.","start":614.745,"end":615.245,"sentiment":"neutral","sentiment_score":-0.03661582991480827}],"sentiment":"neutral","sentiment_score":-0.2937879325586489,"num_words":87,"start":549.055,"end":615.245},{"sentences":[{"text":"Look.","start":615.385,"end":615.885,"sentiment":"neutral","sentiment_score":-0.04132319986820221},{"text":"Not anymore.","start":616.34503,"end":617.165,"sentiment":"neutral","sentiment_score":-0.1332789659500122},{"text":"You know?","start":617.385,"end":617.945,"sentiment":"neutral","sentiment_score":-0.059253185987472534},{"text":"But it's the soft benefits.","start":617.945,"end":621.725,"sentiment":"neutral","sentiment_score":-0.01579686775803566},{"text":"It's the soft benefits.","start":621.78503,"end":622.825,"sentiment":"neutral","sentiment_score":0.009709566074889153}],"sentiment":"neutral","sentiment_score":-0.033323827016699524,"num_words":14,"start":615.385,"end":622.825},{"sentences":[{"text":"There's those things there where someone there was stories that used to happen seven, eight, nine years ago of people going out to an island, having parties with Macquarie Bank, and they would set everybody up with, you know, golf courses and food and drinks and yachts and all this sort of thing and fly you out there and all that kind of thing.","start":622.825,"end":641.865,"sentiment":"neutral","sentiment_score":0.014237205254175933},{"text":"So there's there's soft benefits there, but there's no, like, direct kickbacks anymore.","start":642.02496,"end":646.185,"sentiment":"neutral","sentiment_score":-0.12040558973183998},{"text":"They kind of chop those off, but everyone finds a way around to do something or get something.","start":646.185,"end":650.685,"sentiment":"neutral","sentiment_score":-0.11876374296844006},{"text":"Yep.","start":659.16003,"end":659.66003,"sentiment":"neutral","sentiment_score":-0.008057655766606331},{"text":"Little things like that.","start":663.24,"end":664.54,"sentiment":"neutral","sentiment_score":0.017937537282705307}],"sentiment":"neutral","sentiment_score":-0.027281464103143662,"num_words":100,"start":622.825,"end":664.54},{"sentences":[{"text":"Yeah.","start":700.325,"end":700.825,"sentiment":"neutral","sentiment_score":0.037226542830467224},{"text":"Yeah.","start":700.96497,"end":701.46497,"sentiment":"neutral","sentiment_score":0.01053246296942234},{"text":"I hope I hope someone comes along or, you know, even if you do it yourself or someone comes along where it's just a simple easy, hey.","start":702.34,"end":710.82,"sentiment":"positive","sentiment_score":0.37077878581153023},{"text":"You know, you should do this.","start":710.82,"end":712.18,"sentiment":"positive","sentiment_score":0.4574262698491414},{"text":"Go and do it.","start":712.18,"end":712.9,"sentiment":"positive","sentiment_score":0.5076623558998108}],"sentiment":"positive","sentiment_score":0.3803588016770589,"num_words":39,"start":700.325,"end":712.9},{"sentences":[{"text":"Happy days.","start":712.9,"end":713.8,"sentiment":"positive","sentiment_score":0.7028420269489288},{"text":"You'll get you a bit better outcome.","start":713.94,"end":715.48,"sentiment":"positive","sentiment_score":0.37710227923733847},{"text":"Awesome.","start":718.44495,"end":718.925,"sentiment":"positive","sentiment_score":0.8190875053405762},{"text":"I mate, it has been a pleasure, and thank you again.","start":718.925,"end":722.625,"sentiment":"positive","sentiment_score":0.8041854771700773},{"text":"But, mate, I wish you all the best.","start":722.925,"end":726.6409,"sentiment":"positive","sentiment_score":0.3533724285662174}],"sentiment":"positive","sentiment_score":0.5702588686655308,"num_words":29,"start":712.9,"end":726.6409},{"sentences":[{"text":"Awesome, Ivan.","start":729.4209,"end":730.22095,"sentiment":"positive","sentiment_score":0.752404123544693},{"text":"Take care, mate.","start":730.22095,"end":731.1209,"sentiment":"positive","sentiment_score":0.5378979444503784},{"text":"Bye.","start":732.6209,"end":733.1209,"sentiment":"neutral","sentiment_score":-0.09687764197587968}],"sentiment":"positive","sentiment_score":0.5036040730774403,"num_words":6,"start":729.4209,"end":733.1209}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. You got a voice yourself? Yeah. I have. Yep. Got it. Yep. Yep. Yep. Yep. Yep. No. It does. That's pointless, in other words. Yes. It does. Yeah. Right. Yep. No. Not at all, mate. Could've probably could've really basically brought this to a head last week, but, unfortunately and this is not there for no other reason. A lot of people get enthusiastic. You know, we can do this. We can do that. Yeah. It might don't be rude. I don't wanna burst your bubble, but I've walked this path before, and I get this very same conversation a week later, ten days later, two days later. You know what I mean? Like, this isn't the first time this conversation's been had. Probably probably the best thing for you guys is maybe I can give you some feedback. When someone actually tells you that we've got these issues, take it on board straight away because, effectively, all you're doing is working yourself to dead set nothing. No. It's look. It happens, mate. Yeah. There's and and, you know, I'm 57. I've done this for fifty seven years. It's not new to me. It's not disappointing to me. It's just it it it is what it is. Yep. Yes. Yes. Exactly. And that's that was the issue I had with Resolution Life. I've got no problems with with naming them. I did have a life insurance with them, and I looked deeper into it. And it was just the start, it was costing a ridiculous amount. You know? And I've sat down and done the sums and thought, I can put that money aside. People go, oh, it's hard to do. What do you do? Because I've gotta put this aside now if I'm paying a premium. So you just transfer that from where it was gonna go into another account. Don't touch it. Ten years ago, I got a $70.80, $100,000. Yep. Yeah. Well, that's mine was getting up around probably $67 a year. Oh, fuck. I've got better things to do than, you know, to me and this is probably the way I look at it. It's a bit harsh. Is it I'm a bit over actually paying some other CEO's lifestyle. If I'm gonna have a good life, I might as well enjoy it myself, spend that money on me. So look now, I I partly preempted this phone call the other day. It was just just a matter of when it was coming through. You know, and it's it is the day for the business. I said it's no. So I'm not not upset. No offended. No. It's coming up in there. That's the reality you say. I've been in business. I know until that they're in the aim of making money for themselves as well. It must be here and say, oh, we're we're trying to increase or improve superannuation funds. We're also in it for them the money making for themselves. This guy this guy is healthy. She is something we don't want on our it's not gonna suit us. Leaving with Hester, and that's it. That's how it works. Yeah. Shit. Probably twenty five years. Yep. Yeah. So it's just one of those things that really is. But it's just yeah. It's the nature of the rest, but it look really, as I said in feedback, mate, if you if you get someone like this, yeah, great. Go home. But just taking the net. If they're giving you that advice, they're a pre existing history. Just nothing in my head. Yeah. Yes. Yes. Not one bit. Yeah. Because they say, yeah, wants a fucking better holiday than the rest of us. That's just the way I judge everything. You know? I think, unfortunately for us, and being as old as what I am, you probably are younger than the the eighties and particularly the nineties was an era where everything was materialistic. Everyone had to have superannuation. You want to retire by 55. You needed this. You needed that. You need everything else. And along the way, we forgot we're actually paying for for all these high end executives, good lifestyle, but we're we're churning and biting our ass. And and still a little bit the case today, but I think more and more people are waking up with the reality. Fuck. Why is this guy you know, why are we so driven to pay pay so much money into these superannuation funds? Yeah. We need it. But, you know, I think here in the Howard government, He was he was coughing up. If you put $1,500 of your own money in, so, yeah, your taxable income oh, Rotten Johnny was popping up with another $1,500 in your superannuation. That's great. Now I'm not sure what the deal was with the Rotten Johnny and and Petty Castillo and the superannuation funds are back in the the late nineties, early two thousands, but Jesus. Someone was making money somewhere. Yeah. Yep. And look, I'm I'm a very skeptical person, and I don't wanna take up too much of your time. You're very busy, Blake. With people, you can actually can do something before. But there there's an element of skepticism in me, like, especially when it comes to employers. How much depending on how big the employer is and how big a a deal they have with the superannuation fund, what sort of kickbacks are there? Like, if I've got a 100 people working for me and I make a contribution to one superannuation fund. Me personally as the boss, is there any sort of kickback, so to speak? If you said no, I I wouldn't argue with you, but I wouldn't be convinced. We've been like the old pharmaceutical companies and the doctors. Give you a paper. Yes. Yep. Yep. Right. I said no no direct financial incentive, but, hey, you know, We need to have a conference, and we'll pay for the conference. Yeah. Yeah. Yeah. Yeah. I I get it. I I I truly do. Yeah. No. Still look, mate. I appreciate your time. Thanks for for getting back to me on it. As I said, done this before. Probably some 100 another three years. I wanna make a name for himself in in your industry. I'm reading this, mate. Look. You knock yourself out. Here's the reality of it all. Oh, you're 62, mate. You got five years before, buddy. You have to retire. We'll do this, this, this, and this. We'll get you how you go for it, buddy? Crunch all the time you're like, but I need to let you know I've got a dodgy taker. Hopefully, that'll be enough to go. Yeah. Can help you. Yes. Yeah. That's too easy. That's it. No. That's it. You alright? Appreciate your time. No. You too. See you. 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Yeah. You got a voice yourself? Yeah. I have.\n\nYep. Got it. Yep. Yep. Yep.\n\nYep. Yep. No. It does. That's pointless, in other words.\n\nYes. It does. Yeah. Right. Yep.\n\nNo. Not at all, mate. Could've probably could've really basically brought this to a head last week, but, unfortunately and this is not there for no other reason. A lot of people get enthusiastic. You know, we can do this.\n\nWe can do that. Yeah. It might don't be rude. I don't wanna burst your bubble, but I've walked this path before, and I get this very same conversation a week later, ten days later, two days later. You know what I mean?\n\nLike, this isn't the first time this conversation's been had. Probably probably the best thing for you guys is maybe I can give you some feedback. When someone actually tells you that we've got these issues, take it on board straight away because, effectively, all you're doing is working yourself to dead set nothing. No. It's look.\n\nIt happens, mate. Yeah. There's and and, you know, I'm 57. I've done this for fifty seven years. It's not new to me.\n\nIt's not disappointing to me. It's just it it it is what it is. Yep. Yes. Yes.\n\nExactly. And that's that was the issue I had with Resolution Life. I've got no problems with with naming them. I did have a life insurance with them, and I looked deeper into it. And it was just the start, it was costing a ridiculous amount.\n\nYou know? And I've sat down and done the sums and thought, I can put that money aside. People go, oh, it's hard to do. What do you do? Because I've gotta put this aside now if I'm paying a premium.\n\nSo you just transfer that from where it was gonna go into another account. Don't touch it. Ten years ago, I got a $70.80, $100,000. Yep. Yeah.\n\nWell, that's mine was getting up around probably $67 a year. Oh, fuck. I've got better things to do than, you know, to me and this is probably the way I look at it. It's a bit harsh. Is it I'm a bit over actually paying some other CEO's lifestyle.\n\nIf I'm gonna have a good life, I might as well enjoy it myself, spend that money on me. So look now, I I partly preempted this phone call the other day. It was just just a matter of when it was coming through. You know, and it's it is the day for the business. I said it's no.\n\nSo I'm not not upset. No offended. No. It's coming up in there. That's the reality you say.\n\nI've been in business. I know until that they're in the aim of making money for themselves as well. It must be here and say, oh, we're we're trying to increase or improve superannuation funds. We're also in it for them the money making for themselves. This guy this guy is healthy.\n\nShe is something we don't want on our it's not gonna suit us. Leaving with Hester, and that's it. That's how it works. Yeah. Shit.\n\nProbably twenty five years. Yep. Yeah. So it's just one of those things that really is. But it's just yeah.\n\nIt's the nature of the rest, but it look really, as I said in feedback, mate, if you if you get someone like this, yeah, great. Go home. But just taking the net. If they're giving you that advice, they're a pre existing history. Just nothing in my head.\n\nYeah. Yes. Yes. Not one bit. Yeah.\n\nBecause they say, yeah, wants a fucking better holiday than the rest of us. That's just the way I judge everything. You know? I think, unfortunately for us, and being as old as what I am, you probably are younger than the the eighties and particularly the nineties was an era where everything was materialistic. Everyone had to have superannuation.\n\nYou want to retire by 55. You needed this. You needed that. You need everything else. And along the way, we forgot we're actually paying for for all these high end executives, good lifestyle, but we're we're churning and biting our ass.\n\nAnd and still a little bit the case today, but I think more and more people are waking up with the reality. Fuck. Why is this guy you know, why are we so driven to pay pay so much money into these superannuation funds? Yeah. We need it.\n\nBut, you know, I think here in the Howard government, He was he was coughing up. If you put $1,500 of your own money in, so, yeah, your taxable income oh, Rotten Johnny was popping up with another $1,500 in your superannuation. That's great. Now I'm not sure what the deal was with the Rotten Johnny and and Petty Castillo and the superannuation funds are back in the the late nineties, early two thousands, but Jesus. Someone was making money somewhere.\n\nYeah. Yep. And look, I'm I'm a very skeptical person, and I don't wanna take up too much of your time. You're very busy, Blake. With people, you can actually can do something before.\n\nBut there there's an element of skepticism in me, like, especially when it comes to employers. How much depending on how big the employer is and how big a a deal they have with the superannuation fund, what sort of kickbacks are there? Like, if I've got a 100 people working for me and I make a contribution to one superannuation fund. Me personally as the boss, is there any sort of kickback, so to speak? If you said no, I I wouldn't argue with you, but I wouldn't be convinced.\n\nWe've been like the old pharmaceutical companies and the doctors. Give you a paper. Yes. Yep. Yep.\n\nRight. I said no no direct financial incentive, but, hey, you know, We need to have a conference, and we'll pay for the conference. Yeah. Yeah. Yeah.\n\nYeah. I I get it. I I I truly do. Yeah. No.\n\nStill look, mate. I appreciate your time. Thanks for for getting back to me on it. As I said, done this before. Probably some 100 another three years.\n\nI wanna make a name for himself in in your industry. I'm reading this, mate. Look. You knock yourself out. Here's the reality of it all.\n\nOh, you're 62, mate. You got five years before, buddy. You have to retire. We'll do this, this, this, and this. We'll get you how you go for it, buddy?\n\nCrunch all the time you're like, but I need to let you know I've got a dodgy taker. Hopefully, that'll be enough to go. Yeah. Can help you. Yes.\n\nYeah. That's too easy. That's it. No. That's it.\n\nYou alright? Appreciate your time. No. You too. See you.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.96,"end":1.46,"sentiment":"neutral","sentiment_score":0.0672798603773117},{"text":"Yeah.","start":5.92,"end":6.04,"sentiment":"neutral","sentiment_score":0.18299072980880737},{"text":"You got a voice yourself?","start":6.04,"end":7.22,"sentiment":"neutral","sentiment_score":0.282901269197464},{"text":"Yeah.","start":10.639999,"end":10.88,"sentiment":"neutral","sentiment_score":0.19556322693824768},{"text":"I have.","start":10.88,"end":11.46,"sentiment":"positive","sentiment_score":0.35360875725746155}],"sentiment":"neutral","sentiment_score":0.25675576776266096,"num_words":10,"start":0.96,"end":11.46},{"sentences":[{"text":"Yep.","start":21.055,"end":21.555,"sentiment":"neutral","sentiment_score":-0.04338885471224785},{"text":"Got it.","start":27.215,"end":27.78,"sentiment":"negative","sentiment_score":-0.35549382865428925},{"text":"Yep.","start":31.140001,"end":31.640001,"sentiment":"neutral","sentiment_score":-0.021765409037470818},{"text":"Yep.","start":51.875,"end":52.375,"sentiment":"neutral","sentiment_score":-0.0440651997923851},{"text":"Yep.","start":61.17,"end":61.67,"sentiment":"neutral","sentiment_score":-0.15142953395843506}],"sentiment":"neutral","sentiment_score":-0.16193944246818623,"num_words":6,"start":21.055,"end":61.67},{"sentences":[{"text":"Yep.","start":74.395,"end":74.895,"sentiment":"neutral","sentiment_score":-0.06120262295007706},{"text":"Yep.","start":77.515,"end":78.015,"sentiment":"neutral","sentiment_score":0.05704294890165329},{"text":"No.","start":87.21001,"end":87.71001,"sentiment":"neutral","sentiment_score":-0.3277135491371155},{"text":"It does.","start":87.770004,"end":88.41,"sentiment":"neutral","sentiment_score":-0.3147050738334656},{"text":"That's pointless, in other words.","start":88.41,"end":90.03001,"sentiment":"negative","sentiment_score":-0.6638245940208435}],"sentiment":"negative","sentiment_score":-0.4280406340956688,"num_words":10,"start":74.395,"end":90.03001},{"sentences":[{"text":"Yes.","start":102.945,"end":103.445,"sentiment":"neutral","sentiment_score":0.16029199957847595},{"text":"It does.","start":104.385,"end":105.205,"sentiment":"neutral","sentiment_score":0.21692126244306564},{"text":"Yeah.","start":132.505,"end":132.905,"sentiment":"neutral","sentiment_score":0.0801173746585846},{"text":"Right.","start":132.905,"end":133.405,"sentiment":"neutral","sentiment_score":0.08759259432554245},{"text":"Yep.","start":135.30501,"end":135.80501,"sentiment":"neutral","sentiment_score":0.247232124209404}],"sentiment":"neutral","sentiment_score":0.16817943627635637,"num_words":6,"start":102.945,"end":135.80501},{"sentences":[{"text":"No.","start":138.54,"end":138.93999,"sentiment":"neutral","sentiment_score":-0.06168653070926666},{"text":"Not at all, mate.","start":138.93999,"end":139.73999,"sentiment":"neutral","sentiment_score":-0.12238138727843761},{"text":"Could've probably could've really basically brought this to a head last week, but, unfortunately and this is not there for no other reason.","start":139.73999,"end":148.37999,"sentiment":"neutral","sentiment_score":-0.2674663802203925},{"text":"A lot of people get enthusiastic.","start":148.37999,"end":149.59999,"sentiment":"positive","sentiment_score":0.4695950796206792},{"text":"You know, we can do this.","start":149.81999,"end":150.62,"sentiment":"positive","sentiment_score":0.43059780697027844}],"sentiment":"neutral","sentiment_score":-0.03254453763365746,"num_words":40,"start":138.54,"end":150.62},{"sentences":[{"text":"We can do that.","start":150.62,"end":151.485,"sentiment":"positive","sentiment_score":0.36135152354836464},{"text":"Yeah.","start":151.965,"end":152.465,"sentiment":"neutral","sentiment_score":-0.030169203877449036},{"text":"It might don't be rude.","start":152.685,"end":154.525,"sentiment":"neutral","sentiment_score":-0.11456511467695236},{"text":"I don't wanna burst your bubble, but I've walked this path before, and I get this very same conversation a week later, ten days later, two days later.","start":154.525,"end":162.765,"sentiment":"neutral","sentiment_score":-0.03181344250749264},{"text":"You know what I mean?","start":162.765,"end":163.485,"sentiment":"neutral","sentiment_score":-0.033504898101091383}],"sentiment":"neutral","sentiment_score":-0.005020687529860541,"num_words":43,"start":150.62,"end":163.485},{"sentences":[{"text":"Like, this isn't the first time this conversation's been had.","start":163.485,"end":167.14,"sentiment":"neutral","sentiment_score":-0.02607735451310873},{"text":"Probably probably the best thing for you guys is maybe I can give you some feedback.","start":168.31999,"end":172.4,"sentiment":"neutral","sentiment_score":0.178163917735219},{"text":"When someone actually tells you that we've got these issues, take it on board straight away because, effectively, all you're doing is working yourself to dead set nothing.","start":172.4,"end":190.405,"sentiment":"neutral","sentiment_score":0.054717322279300006},{"text":"No.","start":205.085,"end":205.32501,"sentiment":"neutral","sentiment_score":-0.11372645944356918},{"text":"It's look.","start":205.32501,"end":205.725,"sentiment":"neutral","sentiment_score":-0.06788581237196922}],"sentiment":"neutral","sentiment_score":0.06793747505728613,"num_words":57,"start":163.485,"end":205.725},{"sentences":[{"text":"It happens, mate.","start":205.725,"end":206.445,"sentiment":"neutral","sentiment_score":-0.006242955724398295},{"text":"Yeah.","start":206.445,"end":206.685,"sentiment":"neutral","sentiment_score":0.009567374363541605},{"text":"There's and and, you know, I'm 57.","start":206.685,"end":208.685,"sentiment":"neutral","sentiment_score":-0.013024682179093361},{"text":"I've done this for fifty seven years.","start":208.685,"end":210.38501,"sentiment":"neutral","sentiment_score":0.023874449227670475},{"text":"It's not new to me.","start":210.60501,"end":211.565,"sentiment":"neutral","sentiment_score":-0.0006063714623451233}],"sentiment":"neutral","sentiment_score":0.002771957357333082,"num_words":23,"start":205.725,"end":211.565},{"sentences":[{"text":"It's not disappointing to me.","start":211.565,"end":213.005,"sentiment":"neutral","sentiment_score":0.0017748005688190515},{"text":"It's just it it it is what it is.","start":213.005,"end":216.38501,"sentiment":"neutral","sentiment_score":0.06169151928689745},{"text":"Yep.","start":229.91,"end":230.41,"sentiment":"neutral","sentiment_score":-0.0604090616106987},{"text":"Yes.","start":232.71,"end":233.175,"sentiment":"positive","sentiment_score":0.3434716463088989},{"text":"Yes.","start":233.335,"end":233.835,"sentiment":"neutral","sentiment_score":0.2295592725276947}],"sentiment":"neutral","sentiment_score":0.06333644315600395,"num_words":17,"start":211.565,"end":233.835},{"sentences":[{"text":"Exactly.","start":248.13501,"end":248.63501,"sentiment":"neutral","sentiment_score":0.011028106324374676},{"text":"And that's that was the issue I had with Resolution Life.","start":248.695,"end":251.28,"sentiment":"neutral","sentiment_score":0.04533836059272289},{"text":"I've got no problems with with naming them.","start":251.28,"end":253.59999,"sentiment":"neutral","sentiment_score":0.14127189479768276},{"text":"I did have a life insurance with them, and I looked deeper into it.","start":253.59999,"end":257.52,"sentiment":"neutral","sentiment_score":-0.007475455956799644},{"text":"And it was just the start, it was costing a ridiculous amount.","start":257.52,"end":261.13998,"sentiment":"neutral","sentiment_score":-0.31744255125522614}],"sentiment":"neutral","sentiment_score":-0.04943569059200261,"num_words":46,"start":248.13501,"end":261.13998},{"sentences":[{"text":"You know?","start":261.72498,"end":262.125,"sentiment":"neutral","sentiment_score":-0.2816423177719116},{"text":"And I've sat down and done the sums and thought, I can put that money aside.","start":262.125,"end":265.085,"sentiment":"neutral","sentiment_score":-0.23956571612507105},{"text":"People go, oh, it's hard to do.","start":265.085,"end":266.365,"sentiment":"negative","sentiment_score":-0.46335819363594055},{"text":"What do you do?","start":266.365,"end":266.925,"sentiment":"neutral","sentiment_score":-0.29946334660053253},{"text":"Because I've gotta put this aside now if I'm paying a premium.","start":266.925,"end":269.585,"sentiment":"neutral","sentiment_score":-0.13666750490665436}],"sentiment":"neutral","sentiment_score":-0.25555382668972015,"num_words":41,"start":261.72498,"end":269.585},{"sentences":[{"text":"So you just transfer that from where it was gonna go into another account.","start":270.04498,"end":274.04498,"sentiment":"neutral","sentiment_score":-0.08888670881944043},{"text":"Don't touch it.","start":274.04498,"end":274.60498,"sentiment":"neutral","sentiment_score":-0.16082777082920074},{"text":"Ten years ago, I got a $70.80, $100,000.","start":274.60498,"end":277.48,"sentiment":"neutral","sentiment_score":-0.0038951095193624496},{"text":"Yep.","start":290.42,"end":290.745,"sentiment":"neutral","sentiment_score":-0.11741657555103302},{"text":"Yeah.","start":293.225,"end":293.625,"sentiment":"neutral","sentiment_score":-0.10859349370002748}],"sentiment":"neutral","sentiment_score":-0.0734840067172492,"num_words":27,"start":270.04498,"end":293.625},{"sentences":[{"text":"Well, that's mine was getting up around probably $67 a year.","start":293.625,"end":299.565,"sentiment":"negative","sentiment_score":-0.36034850911660626},{"text":"Oh, fuck.","start":299.945,"end":300.685,"sentiment":"negative","sentiment_score":-0.7529070675373077},{"text":"I've got better things to do than, you know, to me and this is probably the way I look at it.","start":302.025,"end":305.89,"sentiment":"negative","sentiment_score":-0.6297418063595182},{"text":"It's a bit harsh.","start":305.89,"end":306.61002,"sentiment":"negative","sentiment_score":-0.49839386716485023},{"text":"Is it I'm a bit over actually paying some other CEO's lifestyle.","start":306.61002,"end":310.87,"sentiment":"negative","sentiment_score":-0.3890500416358312}],"sentiment":"negative","sentiment_score":-0.5071280327439308,"num_words":50,"start":293.625,"end":310.87},{"sentences":[{"text":"If I'm gonna have a good life, I might as well enjoy it myself, spend that money on me.","start":313.89,"end":317.085,"sentiment":"positive","sentiment_score":0.5845989992744044},{"text":"So look now, I I partly preempted this phone call the other day.","start":317.16498,"end":321.805,"sentiment":"neutral","sentiment_score":0.019465921303400628},{"text":"It was just just a matter of when it was coming through.","start":321.805,"end":324.465,"sentiment":"neutral","sentiment_score":-0.0378903162976106},{"text":"You know, and it's it is the day for the business.","start":326.44498,"end":328.525,"sentiment":"neutral","sentiment_score":0.10054270178079605},{"text":"I said it's no.","start":328.525,"end":329.32498,"sentiment":"neutral","sentiment_score":-0.10810446552932262}],"sentiment":"neutral","sentiment_score":0.19625942415352596,"num_words":59,"start":313.89,"end":329.32498},{"sentences":[{"text":"So I'm not not upset.","start":329.32498,"end":330.525,"sentiment":"neutral","sentiment_score":-0.14991612434387208},{"text":"No offended.","start":330.525,"end":331.16498,"sentiment":"neutral","sentiment_score":-0.31364165246486664},{"text":"No.","start":331.16498,"end":331.245,"sentiment":"neutral","sentiment_score":-0.27090054750442505},{"text":"It's coming up in there.","start":331.245,"end":332.54498,"sentiment":"neutral","sentiment_score":-0.21036257445812226},{"text":"That's the reality you say.","start":332.77,"end":334.15,"sentiment":"neutral","sentiment_score":-0.03879854455590248}],"sentiment":"neutral","sentiment_score":-0.1607538927346468,"num_words":18,"start":329.32498,"end":334.15},{"sentences":[{"text":"I've been in business.","start":335.00998,"end":335.81,"sentiment":"neutral","sentiment_score":0.026108604855835438},{"text":"I know until that they're in the aim of making money for themselves as well.","start":335.81,"end":340.12997,"sentiment":"neutral","sentiment_score":0.08501591235399246},{"text":"It must be here and say, oh, we're we're trying to increase or improve superannuation funds.","start":340.12997,"end":344.68997,"sentiment":"neutral","sentiment_score":0.08457401441410184},{"text":"We're also in it for them the money making for themselves.","start":344.68997,"end":347.895,"sentiment":"neutral","sentiment_score":0.02740264345299114},{"text":"This guy this guy is healthy.","start":348.835,"end":350.35498,"sentiment":"negative","sentiment_score":-0.4067828878760338}],"sentiment":"neutral","sentiment_score":0.011415174732414575,"num_words":52,"start":335.00998,"end":350.35498},{"sentences":[{"text":"She is something we don't want on our it's not gonna suit us.","start":350.35498,"end":353.57498,"sentiment":"negative","sentiment_score":-0.5870044185565069},{"text":"Leaving with Hester, and that's it.","start":353.715,"end":355.655,"sentiment":"neutral","sentiment_score":-0.1993403285741806},{"text":"That's how it works.","start":356.435,"end":357.57498,"sentiment":"neutral","sentiment_score":0.010197557392530143},{"text":"Yeah.","start":359.315,"end":359.79498,"sentiment":"neutral","sentiment_score":-0.022489704191684723},{"text":"Shit.","start":359.79498,"end":360.115,"sentiment":"neutral","sentiment_score":-0.06772565096616745}],"sentiment":"negative","sentiment_score":-0.35506098153069615,"num_words":25,"start":350.35498,"end":360.115},{"sentences":[{"text":"Probably twenty five years.","start":360.115,"end":361.56,"sentiment":"neutral","sentiment_score":-0.09490997530519962},{"text":"Yep.","start":378.77502,"end":379.27502,"sentiment":"neutral","sentiment_score":-0.14403516054153442},{"text":"Yeah.","start":395.11,"end":395.51,"sentiment":"neutral","sentiment_score":-0.08682142198085785},{"text":"So it's just one of those things that really is.","start":395.51,"end":397.77,"sentiment":"neutral","sentiment_score":-0.1499655269086361},{"text":"But it's just yeah.","start":399.69498,"end":400.655,"sentiment":"neutral","sentiment_score":-0.10806186869740486}],"sentiment":"neutral","sentiment_score":-0.12711996138095855,"num_words":20,"start":360.115,"end":400.655},{"sentences":[{"text":"It's the nature of the rest, but it look really, as I said in feedback, mate, if you if you get someone like this, yeah, great.","start":400.655,"end":406.335,"sentiment":"neutral","sentiment_score":0.2323648792046767},{"text":"Go home.","start":406.335,"end":406.815,"sentiment":"neutral","sentiment_score":0.20035403966903687},{"text":"But just taking the net.","start":406.815,"end":408.01498,"sentiment":"neutral","sentiment_score":0.017853642255067824},{"text":"If they're giving you that advice, they're a pre existing history.","start":408.01498,"end":410.835,"sentiment":"neutral","sentiment_score":-0.18981833891435104},{"text":"Just nothing in my head.","start":411.13498,"end":412.595,"sentiment":"neutral","sentiment_score":-0.16425282657146453}],"sentiment":"neutral","sentiment_score":0.07392239365346577,"num_words":49,"start":400.655,"end":412.595},{"sentences":[{"text":"Yeah.","start":420.09003,"end":420.59003,"sentiment":"neutral","sentiment_score":0.08030854165554047},{"text":"Yes.","start":432.025,"end":432.525,"sentiment":"neutral","sentiment_score":0.29392677545547485},{"text":"Yes.","start":445.04,"end":445.54,"sentiment":"neutral","sentiment_score":0.19902482628822327},{"text":"Not one bit.","start":464.34497,"end":465.36,"sentiment":"negative","sentiment_score":-0.37912776072820026},{"text":"Yeah.","start":472.8,"end":473.3,"sentiment":"neutral","sentiment_score":-0.1389600932598114}],"sentiment":"neutral","sentiment_score":-0.10044046172073909,"num_words":7,"start":420.09003,"end":473.3},{"sentences":[{"text":"Because they say, yeah, wants a fucking better holiday than the rest of us.","start":478.15997,"end":482.705,"sentiment":"negative","sentiment_score":-0.6580330814634051},{"text":"That's just the way I judge everything.","start":482.705,"end":484.54498,"sentiment":"negative","sentiment_score":-0.4269910880497524},{"text":"You know?","start":484.54498,"end":485.26498,"sentiment":"negative","sentiment_score":-0.343927726149559},{"text":"I think, unfortunately for us, and being as old as what I am, you probably are younger than the the eighties and particularly the nineties was an era where everything was materialistic.","start":485.26498,"end":494.6,"sentiment":"negative","sentiment_score":-0.5537213999778032},{"text":"Everyone had to have superannuation.","start":494.74,"end":495.96,"sentiment":"negative","sentiment_score":-0.5841168880462646}],"sentiment":"negative","sentiment_score":-0.558815424144268,"num_words":60,"start":478.15997,"end":495.96},{"sentences":[{"text":"You want to retire by 55.","start":496.42,"end":497.94,"sentiment":"negative","sentiment_score":-0.34541449944178265},{"text":"You needed this.","start":497.94,"end":498.5,"sentiment":"negative","sentiment_score":-0.42742764949798584},{"text":"You needed that.","start":498.5,"end":499.06,"sentiment":"negative","sentiment_score":-0.36679451664288837},{"text":"You need everything else.","start":499.06,"end":500.18,"sentiment":"neutral","sentiment_score":-0.19982577487826347},{"text":"And along the way, we forgot we're actually paying for for all these high end executives, good lifestyle, but we're we're churning and biting our ass.","start":500.18,"end":508.44,"sentiment":"negative","sentiment_score":-0.3453207722363564}],"sentiment":"negative","sentiment_score":-0.3388761112555152,"num_words":42,"start":496.42,"end":508.44},{"sentences":[{"text":"And and still a little bit the case today, but I think more and more people are waking up with the reality.","start":508.82,"end":513.315,"sentiment":"negative","sentiment_score":-0.4007375172593377},{"text":"Fuck.","start":513.85504,"end":514.015,"sentiment":"negative","sentiment_score":-0.6874839663505554},{"text":"Why is this guy you know, why are we so driven to pay pay so much money into these superannuation funds?","start":514.015,"end":519.615,"sentiment":"negative","sentiment_score":-0.4398431735379355},{"text":"Yeah.","start":519.615,"end":519.775,"sentiment":"neutral","sentiment_score":-0.1019650399684906},{"text":"We need it.","start":519.775,"end":520.335,"sentiment":"neutral","sentiment_score":-0.1539014925559362}],"sentiment":"negative","sentiment_score":-0.4021684480831027,"num_words":48,"start":508.82,"end":520.335},{"sentences":[{"text":"But, you know, I think here in the Howard government, He was he was coughing up.","start":520.335,"end":526.37006,"sentiment":"neutral","sentiment_score":-0.11774712870828807},{"text":"If you put $1,500 of your own money in, so, yeah, your taxable income oh, Rotten Johnny was popping up with another $1,500 in your superannuation.","start":526.37006,"end":535.11005,"sentiment":"neutral","sentiment_score":-0.16022730618715286},{"text":"That's great.","start":537.58496,"end":538.065,"sentiment":"positive","sentiment_score":0.4121045172214508},{"text":"Now I'm not sure what the deal was with the Rotten Johnny and and Petty Castillo and the superannuation funds are back in the the late nineties, early two thousands, but Jesus.","start":538.065,"end":546.785,"sentiment":"neutral","sentiment_score":-0.17257029935717583},{"text":"Someone was making money somewhere.","start":546.785,"end":548.32495,"sentiment":"neutral","sentiment_score":-0.2701322078704834}],"sentiment":"neutral","sentiment_score":-0.1493650074634287,"num_words":81,"start":520.335,"end":548.32495},{"sentences":[{"text":"Yeah.","start":558.77997,"end":559.27997,"sentiment":"neutral","sentiment_score":-0.16681087017059326},{"text":"Yep.","start":570.395,"end":570.895,"sentiment":"neutral","sentiment_score":-0.3231201171875},{"text":"And look, I'm I'm a very skeptical person, and I don't wanna take up too much of your time.","start":576.31,"end":580.55,"sentiment":"negative","sentiment_score":-0.5264123960545188},{"text":"You're very busy, Blake.","start":580.55,"end":581.93,"sentiment":"negative","sentiment_score":-0.41015957295894623},{"text":"With people, you can actually can do something before.","start":581.99,"end":584.55,"sentiment":"neutral","sentiment_score":-0.21900266740057203}],"sentiment":"negative","sentiment_score":-0.4148067297304378,"num_words":34,"start":558.77997,"end":584.55},{"sentences":[{"text":"But there there's an element of skepticism in me, like, especially when it comes to employers.","start":584.55,"end":589.52997,"sentiment":"negative","sentiment_score":-0.44165669567883015},{"text":"How much depending on how big the employer is and how big a a deal they have with the superannuation fund, what sort of kickbacks are there?","start":590.46497,"end":598.46497,"sentiment":"negative","sentiment_score":-0.42110672372358815},{"text":"Like, if I've got a 100 people working for me and I make a contribution to one superannuation fund.","start":598.46497,"end":604.68,"sentiment":"neutral","sentiment_score":0.028208369830329167},{"text":"Me personally as the boss, is there any sort of kickback, so to speak?","start":604.68,"end":609.58,"sentiment":"neutral","sentiment_score":-0.13423889875411987},{"text":"If you said no, I I wouldn't argue with you, but I wouldn't be convinced.","start":610.2,"end":614.06,"sentiment":"neutral","sentiment_score":-0.29377867678801217}],"sentiment":"neutral","sentiment_score":-0.2657852129560414,"num_words":91,"start":584.55,"end":614.06},{"sentences":[{"text":"We've been like the old pharmaceutical companies and the doctors.","start":616.635,"end":619.295,"sentiment":"neutral","sentiment_score":-0.08355694860219956},{"text":"Give you a paper.","start":620.475,"end":621.535,"sentiment":"neutral","sentiment_score":-0.013544516172260046},{"text":"Yes.","start":633.85,"end":634.35,"sentiment":"neutral","sentiment_score":0.06997563689947128},{"text":"Yep.","start":641.265,"end":641.765,"sentiment":"neutral","sentiment_score":-0.0064203618094325066},{"text":"Yep.","start":651.10504,"end":651.425,"sentiment":"neutral","sentiment_score":0.02359083853662014}],"sentiment":"neutral","sentiment_score":-0.04721184924025746,"num_words":17,"start":616.635,"end":651.425},{"sentences":[{"text":"Right.","start":651.425,"end":651.745,"sentiment":"neutral","sentiment_score":0.02168704941868782},{"text":"I said no no direct financial incentive, but, hey, you know, We need to have a conference, and we'll pay for the conference.","start":651.745,"end":660.28,"sentiment":"neutral","sentiment_score":-0.040154850242011576},{"text":"Yeah.","start":660.28,"end":660.44,"sentiment":"neutral","sentiment_score":0.017927827313542366},{"text":"Yeah.","start":660.44,"end":660.52,"sentiment":"neutral","sentiment_score":0.025309834629297256},{"text":"Yeah.","start":660.52,"end":661.0,"sentiment":"neutral","sentiment_score":0.033302322030067444}],"sentiment":"neutral","sentiment_score":-0.030567945265728567,"num_words":27,"start":651.425,"end":661.0},{"sentences":[{"text":"Yeah.","start":661.0,"end":661.48004,"sentiment":"neutral","sentiment_score":0.05001511052250862},{"text":"I I get it.","start":661.48004,"end":662.78,"sentiment":"neutral","sentiment_score":0.0848593357950449},{"text":"I I I truly do.","start":662.84,"end":664.38,"sentiment":"neutral","sentiment_score":0.027836020290851592},{"text":"Yeah.","start":665.16003,"end":665.66003,"sentiment":"neutral","sentiment_score":0.027977032586932182},{"text":"No.","start":668.36005,"end":668.76,"sentiment":"neutral","sentiment_score":-0.012911517173051834}],"sentiment":"neutral","sentiment_score":0.04530817254756888,"num_words":12,"start":661.0,"end":668.76},{"sentences":[{"text":"Still look, mate.","start":668.76,"end":669.24005,"sentiment":"neutral","sentiment_score":0.11733442544937134},{"text":"I appreciate your time.","start":669.24005,"end":670.2,"sentiment":"positive","sentiment_score":0.43720996379852295},{"text":"Thanks for for getting back to me on it.","start":670.2,"end":672.22003,"sentiment":"positive","sentiment_score":0.4990144934919145},{"text":"As I said, done this before.","start":672.735,"end":674.515,"sentiment":"neutral","sentiment_score":0.13594763477643332},{"text":"Probably some 100 another three years.","start":675.615,"end":677.295,"sentiment":"neutral","sentiment_score":0.105408759166797}],"sentiment":"neutral","sentiment_score":0.2871468548796007,"num_words":28,"start":668.76,"end":677.295},{"sentences":[{"text":"I wanna make a name for himself in in your industry.","start":677.295,"end":679.955,"sentiment":"neutral","sentiment_score":0.269623492251743},{"text":"I'm reading this, mate.","start":680.495,"end":681.935,"sentiment":"neutral","sentiment_score":0.11684083379805088},{"text":"Look.","start":681.935,"end":682.335,"sentiment":"neutral","sentiment_score":0.03756877779960632},{"text":"You knock yourself out.","start":682.335,"end":683.215,"sentiment":"neutral","sentiment_score":-0.04176255129277706},{"text":"Here's the reality of it all.","start":683.215,"end":684.81,"sentiment":"neutral","sentiment_score":-0.0712234719345967}],"sentiment":"neutral","sentiment_score":0.11063074965316516,"num_words":26,"start":677.295,"end":684.81},{"sentences":[{"text":"Oh, you're 62, mate.","start":684.89,"end":686.09,"sentiment":"neutral","sentiment_score":0.0006581754423677921},{"text":"You got five years before, buddy.","start":686.09,"end":687.37,"sentiment":"neutral","sentiment_score":-0.018414821475744247},{"text":"You have to retire.","start":687.37,"end":688.35,"sentiment":"neutral","sentiment_score":-0.04372563585639},{"text":"We'll do this, this, this, and this.","start":688.49,"end":689.77,"sentiment":"neutral","sentiment_score":0.1314575629574912},{"text":"We'll get you how you go for it, buddy?","start":689.77,"end":691.93,"sentiment":"neutral","sentiment_score":0.1996503406100803}],"sentiment":"neutral","sentiment_score":0.08114324118942022,"num_words":30,"start":684.89,"end":691.93},{"sentences":[{"text":"Crunch all the time you're like, but I need to let you know I've got a dodgy taker.","start":691.93,"end":695.63,"sentiment":"neutral","sentiment_score":-0.22949043909708658},{"text":"Hopefully, that'll be enough to go.","start":697.13,"end":698.83,"sentiment":"neutral","sentiment_score":-0.010970277401308218},{"text":"Yeah.","start":699.195,"end":699.435,"sentiment":"neutral","sentiment_score":0.03459616005420685},{"text":"Can help you.","start":699.435,"end":707.375,"sentiment":"neutral","sentiment_score":0.25943924859166145},{"text":"Yes.","start":714.395,"end":714.66,"sentiment":"neutral","sentiment_score":0.2032739222049713}],"sentiment":"neutral","sentiment_score":-0.1096710944869395,"num_words":29,"start":691.93,"end":714.66},{"sentences":[{"text":"Yeah.","start":714.81995,"end":715.31995,"sentiment":"neutral","sentiment_score":0.165131613612175},{"text":"That's too easy.","start":716.25995,"end":717.39996,"sentiment":"positive","sentiment_score":0.5086353719234467},{"text":"That's it.","start":725.72095,"end":726.60095,"sentiment":"neutral","sentiment_score":0.26078760623931885},{"text":"No.","start":726.60095,"end":726.84094,"sentiment":"neutral","sentiment_score":-0.16037105023860931},{"text":"That's it.","start":726.84094,"end":727.321,"sentiment":"neutral","sentiment_score":-0.08403195813298225}],"sentiment":"neutral","sentiment_score":0.2093531083729532,"num_words":9,"start":714.81995,"end":727.321},{"sentences":[{"text":"You alright?","start":727.321,"end":727.881,"sentiment":"neutral","sentiment_score":0.04153810441493988},{"text":"Appreciate your time.","start":727.881,"end":729.02094,"sentiment":"positive","sentiment_score":0.5770166317621866},{"text":"No.","start":731.24097,"end":731.48096,"sentiment":"neutral","sentiment_score":-0.030166391283273697},{"text":"You too.","start":731.48096,"end":732.121,"sentiment":"neutral","sentiment_score":0.1588427871465683},{"text":"See you.","start":732.121,"end":732.52094,"sentiment":"neutral","sentiment_score":0.15906386077404022}],"sentiment":"neutral","sentiment_score":0.24197730086743832,"num_words":10,"start":727.321,"end":732.52094},{"sentences":[{"text":"Bye.","start":732.52094,"end":733.02094,"sentiment":"neutral","sentiment_score":0.17242644727230072}],"sentiment":"neutral","sentiment_score":0.17242644727230072,"num_words":1,"start":732.52094,"end":733.02094}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Ivan. It's Tommy here from Oakview Financial, mate. How are you doing?\n\nChannel 1: Yeah. You got a voice yourself?\n\nChannel 0: Living the dream so far. Have you got two minutes?\n\nChannel 1: Yeah. I have.\n\nChannel 0: Awesome. Awesome. Mate, I've put together a bit of a plan that I was gonna send through to you today for the superannuation review, if that rings a bell.\n\nChannel 1: Yep.\n\nChannel 0: Yep. I have actually gone ahead and canceled that plan, unfortunately.\n\nChannel 1: Got it.\n\nChannel 0: I've flagged it for not being in your best interest.\n\nChannel 1: Yep.\n\nChannel 0: So what basically ended up happening, we had fantastic research come through, found some really good super that was gonna get about an extra maybe 5% was looking very strong. And I put together a plan to transfer your insurances across from HESTA. And that was probably gonna be about a $100 cheaper for you. But\n\nChannel 1: Yep.\n\nChannel 0: when I dug into the underwriting a little bit more so usually when you've got health concerns, you can transfer insurances across, but I dug\n\nChannel 1: Yep.\n\nChannel 0: a bit deeper into, obviously, your condition. And if there's a risk of it progressing to, like, not being able to work again, terminal illness, that kind of thing, it can't actually be transferred across. So you would\n\nChannel 1: Yep.\n\nChannel 0: have to keep your existing insurances in place. So\n\nChannel 1: Yep.\n\nChannel 0: what that basically means is that your best interest is to keep your HESTA or run two super funds and pay fees for having two accounts open, if that makes sense.\n\nChannel 1: No. It does. That's pointless, in other words.\n\nChannel 0: Pretty much. And, look, I talked to the team here and really wanted to sort of be alongside you on a few things, but it just it didn't really sit right with me trying to fit a square peg into a round hole, if that makes sense.\n\nChannel 1: Yes. It does.\n\nChannel 0: And there's definitely things to do. I think the main thing for you to come back to at one one point is, like I mentioned, when you hit 60 and you hit your preservation age, transitioning the super into that pension phase, doing some recontribution strategies to bump things up a little bit, getting access and claims as things progress. There's lots of things that you can do, but at this stage, for the next three years, you're best betters to stick with Hester.\n\nChannel 1: Yeah. Right.\n\nChannel 0: Okay.\n\nChannel 1: Yep.\n\nChannel 0: Awesome, mate. Do you have any questions for me?\n\nChannel 1: No. Not at all, mate. Could've probably could've really basically brought this to a head last week, but, unfortunately and this is not there for no other reason. A lot of people get enthusiastic. You know, we can do this.\n\nWe can do that. Yeah. It might don't be rude. I don't wanna burst your bubble, but I've walked this path before, and I get this very same conversation a week later, ten days later, two days later. You know what I mean?\n\nLike, this isn't the first time this conversation's\n\nChannel 0: Yeah.\n\nChannel 1: been had.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Probably probably the best thing for you guys is maybe I can give you some feedback. When someone actually tells you that we've got these issues, take it on\n\nChannel 0: Yeah.\n\nChannel 1: board straight away because,\n\nChannel 0: Yeah.\n\nChannel 1: effectively, all you're doing is working yourself to\n\nChannel 0: Yeah. No. You're bang on right, man. It's\n\nChannel 1: dead\n\nChannel 0: one of those things where we never like failing, and so we always wanna try and make it work\n\nChannel 1: set\n\nChannel 0: and\n\nChannel 1: nothing.\n\nChannel 0: pride myself in trying to find that that extra little thread that people haven't considered before or try and find the one that works. And then when it doesn't, yeah, it's pretty disappointing. And and look, I do apologize for also wasting your time a little bit too as well and appreciate the feedback.\n\nChannel 1: No. It's look. It happens, mate. Yeah. There's and and, you know, I'm 57.\n\nI've done this for fifty seven years. It's not new to me. It's not disappointing to me. It's just it it it is what it is.\n\nChannel 0: And there's certain things too. Like, when it comes to, like, plan b's and c's, there's default insurance coverages that you can get that'll give you a little bit of TBD cover, you know, like term total and permanent disablement. It just\n\nChannel 1: Yep.\n\nChannel 0: won't cover you for your main condition. So, yeah,\n\nChannel 1: Yes.\n\nChannel 0: it's good. Like,\n\nChannel 1: Yes.\n\nChannel 0: if you're in a car accident, here's $90 and pay off your mortgage kind of thing. But if the main thing you've got going on is that, what's the point in paying all those premiums for anything else that might happen when the most likely issue is not gonna be protected?\n\nChannel 1: Exactly. And that's that was the issue I had with Resolution Life. I've got no problems with with naming them. I did have a life insurance with them, and I looked deeper into it. And it was just the start, it was costing a ridiculous amount.\n\nYou know? And I've sat down and done the sums and thought, I can put that money aside. People go, oh, it's hard to do. What do you do? Because I've gotta put this aside now if I'm paying a\n\nChannel 0: Yeah.\n\nChannel 1: premium. So you just transfer that from where it was gonna go into another account. Don't touch it. Ten years ago, I got a $70.80, $100,000.\n\nChannel 0: Yep. Pay off the mortgage, build up some savings. It does the same impact at the end of the day. I've had some people come through age 63, and they're paying $20,000 a year for an insurance policy. And it's just\n\nChannel 1: Yep.\n\nChannel 0: like, what what was been the point of that?\n\nChannel 1: Yeah. Well, that's mine was getting up around probably $67 a year. Oh, fuck. I've got better things to do than, you know, to me and this is probably the way I look at it. It's a bit harsh.\n\nIs it I'm a bit over actually paying some other CEO's lifestyle.\n\nChannel 0: Yeah.\n\nChannel 1: If I'm gonna have a good life, I might as well enjoy it myself, spend that money on me. So look now, I I partly preempted this phone call the other day. It was just just a matter of when it was coming through.\n\nChannel 0: Yeah.\n\nChannel 1: You know, and it's it is the day for the business. I said it's no. So I'm not not upset. No offended. No.\n\nIt's coming up in there. That's\n\nChannel 0: Yeah.\n\nChannel 1: the reality you say. I've been in business. I know until that they're in the aim of making money for themselves as well. It must be here and say, oh, we're we're trying to increase or improve superannuation funds. We're also in it for them the money making\n\nChannel 0: Correct.\n\nChannel 1: for themselves. This guy this guy is healthy. She is something we don't want on our it's not gonna suit us. Leaving with Hester, and that's it.\n\nChannel 0: Yeah.\n\nChannel 1: That's\n\nChannel 0: And you've\n\nChannel 1: how\n\nChannel 0: been\n\nChannel 1: it\n\nChannel 0: asking\n\nChannel 1: works.\n\nChannel 0: for quite a while, haven't you?\n\nChannel 1: Yeah. Shit. Probably twenty five years.\n\nChannel 0: And that's the thing too. One of the things that people don't really realize is that when you get all these insurances right, they've got a preexisting condition clause. But it actually for most super funds, it expires after three to five years. So if you hold it long enough, they still kinda have to pay you out. So\n\nChannel 1: Yep.\n\nChannel 0: if you try and move that, if anybody tries to move that and it resets that and something happens to you in the next three to five years, that's pointless when you're, you've paid premiums for so long that they pretty much have to pay you out.\n\nChannel 1: Yeah. So it's just one of those things that really is. But it's just yeah. It's the nature of the rest, but it look really, as I said in feedback, mate, if you if you get someone like this, yeah, great. Go home.\n\nBut just taking the net. If they're giving you that advice, they're a pre existing history. Just nothing in my head.\n\nChannel 0: Yeah. Yep. Do it straight away. Do it in the first day or so. Check your eggs and get back to them straight away.\n\nOne\n\nChannel 1: Yeah.\n\nChannel 0: of the things that I would like to see, and this is just between you and me, but being able to actually give like, most of those super funds, they don't have the infrastructure to give the advice that the that the membership base need, and\n\nChannel 1: Yes.\n\nChannel 0: they're coming closer to the point where they're allowing advisers to have more access and control within the funds because even simple things like contribution strategies and just changing your investments within Hesta can have a big difference and\n\nChannel 1: Yes.\n\nChannel 0: doing some things to transit. I had the lady call me up three weeks ago. She had been kicked out of home, divorced, all these issues have just happened, and she spent all of her money trying to get into a house. And she's 62, so she can access a super. Do you think the people on the phone helped her through the application forms?\n\nChannel 1: Not one bit.\n\nChannel 0: So I sat there for free with her in my office explaining to her how to fill in their forms to get her\n\nChannel 1: Yeah.\n\nChannel 0: into their pension account to get her money out, and they refused to do so.\n\nChannel 1: Because they say, yeah, wants a fucking better holiday than the rest of us. That's\n\nChannel 0: Yeah.\n\nChannel 1: just the way I judge everything. You know? I think, unfortunately for us, and being as old as what I am, you probably are younger than the the eighties and particularly the nineties was an era where everything was materialistic. Everyone had to have superannuation. You want to retire by 55.\n\nYou needed this. You needed that. You need everything else. And along\n\nChannel 0: Yeah.\n\nChannel 1: the way, we forgot we're actually paying for for all these high end executives, good lifestyle, but we're we're churning and biting our ass. And and still a little bit the case today, but I think more and more people are waking up with the reality. Fuck. Why is this guy you know, why are we so driven to pay pay so much money into these superannuation funds? Yeah.\n\nWe need it. But, you know, I think here in the Howard government,\n\nChannel 0: Yeah.\n\nChannel 1: He was he was coughing up. If you put $1,500 of your own money in, so, yeah, your taxable income oh, Rotten Johnny was popping up with another $1,500 in your superannuation.\n\nChannel 0: Yeah.\n\nChannel 1: That's great. Now I'm not sure what the deal was with the Rotten Johnny and and Petty Castillo and the superannuation funds are back in the the late nineties, early two thousands, but Jesus. Someone was making money somewhere.\n\nChannel 0: Mate, well, these days, it's gone up to over $3,000,000,000,000. It's the biggest pool of money in the country, and everybody wants a slice of it, unfortunately. So it\n\nChannel 1: Yeah.\n\nChannel 0: means a mixture of all the different banks, insurance companies, advisers, fund managers, everybody wants to have a slice of it. At the end of the day, there's somebody there who's trying to get an outcome out of it for something they actually need, and\n\nChannel 1: Yep.\n\nChannel 0: you're mixed in with all these different institutions, and it's quite painful.\n\nChannel 1: And look, I'm I'm a very skeptical person, and I don't wanna take up too much of your time. You're very busy, Blake. With people, you can actually can do something before. But there there's an element of skepticism in me, like, especially when it comes to employers. How much depending on how big the employer is and how big a a deal they have with the superannuation fund, what sort of kickbacks are there?\n\nLike, if I've got a 100 people working for me and I make a contribution to one superannuation fund. Me personally as the boss, is there any sort of kickback, so to speak? If you said no, I I wouldn't argue with you, but I wouldn't be convinced.\n\nChannel 0: Yeah. Look. Not\n\nChannel 1: We've\n\nChannel 0: anymore.\n\nChannel 1: been like the old\n\nChannel 0: You know?\n\nChannel 1: pharmaceutical\n\nChannel 0: But\n\nChannel 1: companies and the doctors.\n\nChannel 0: it's\n\nChannel 1: Give you\n\nChannel 0: the soft\n\nChannel 1: a paper.\n\nChannel 0: benefits. It's the soft benefits. There's those things there where someone there was stories that used to happen seven, eight, nine years ago of people going out to an island, having parties with Macquarie Bank, and\n\nChannel 1: Yes.\n\nChannel 0: they would set everybody up with, you know, golf courses and food and drinks and yachts and all this sort of thing and fly you out there and all that kind\n\nChannel 1: Yep.\n\nChannel 0: of thing. So there's there's soft benefits there, but there's no, like, direct kickbacks anymore. They kind of chop those off, but everyone finds a way around to do something or get something.\n\nChannel 1: Yep. Right. I said no no direct financial incentive, but, hey, you know, We need to have a conference, and we'll\n\nChannel 0: Yep.\n\nChannel 1: pay for the conference. Yeah. Yeah. Yeah. Yeah.\n\nI I get it. I I\n\nChannel 0: Little\n\nChannel 1: I\n\nChannel 0: things\n\nChannel 1: truly\n\nChannel 0: like\n\nChannel 1: do.\n\nChannel 0: that.\n\nChannel 1: Yeah. No. Still look, mate. I appreciate your time. Thanks for for getting back to me on it.\n\nAs I said, done this before. Probably some 100 another three years. I wanna make a name for himself in in your industry. I'm reading this, mate. Look.\n\nYou knock yourself out. Here's the reality of it all. Oh, you're 62, mate. You got five years before, buddy. You have to retire.\n\nWe'll do this, this, this, and this. We'll get you how you go for it, buddy? Crunch all the time you're like, but I need to let you know I've got a dodgy taker. Hopefully, that'll be enough to go. Yeah.\n\nCan\n\nChannel 0: Yeah. Yeah. I hope I hope someone comes along or, you know, even\n\nChannel 1: help\n\nChannel 0: if you\n\nChannel 1: you.\n\nChannel 0: do it yourself or someone comes along where it's just a simple easy, hey. You know, you should do this. Go and do it. Happy days. You'll get you\n\nChannel 1: Yes.\n\nChannel 0: a bit better\n\nChannel 1: Yeah.\n\nChannel 0: outcome.\n\nChannel 1: That's too easy.\n\nChannel 0: Awesome. I mate, it has been a pleasure, and thank you again. But, mate, I wish\n\nChannel 1: That's\n\nChannel 0: you all the best.\n\nChannel 1: it. No. That's it. You alright? Appreciate your time.\n\nChannel 0: Awesome, Ivan. Take care, mate.\n\nChannel 1: No. You too. See you. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.96,"end":1.46,"sentiment":"neutral","sentiment_score":0.0672798603773117}],"sentiment":"neutral","sentiment_score":0.0672798603773117,"channel":1,"num_words":1,"start":0.96,"end":1.46},{"sentences":[{"text":"Hi, Ivan.","start":2.48,"end":3.12,"sentiment":"neutral","sentiment_score":0.21177885681390762},{"text":"It's Tommy here from Oakview Financial, mate.","start":3.12,"end":4.96,"sentiment":"neutral","sentiment_score":0.22569702778543746},{"text":"How are you doing?","start":4.96,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.3146694675087929}],"sentiment":"neutral","sentiment_score":0.25093190601238835,"channel":0,"num_words":13,"start":2.48,"end":5.7799997},{"sentences":[{"text":"Yeah.","start":5.92,"end":6.04,"sentiment":"neutral","sentiment_score":0.18299072980880737},{"text":"You got a voice yourself?","start":6.04,"end":7.22,"sentiment":"neutral","sentiment_score":0.282901269197464}],"sentiment":"neutral","sentiment_score":0.26624951263268787,"channel":1,"num_words":6,"start":5.92,"end":7.22},{"sentences":[{"text":"Living the dream so far.","start":7.9199996,"end":9.12,"sentiment":"positive","sentiment_score":0.5634098172187805},{"text":"Have you got two minutes?","start":9.12,"end":10.34,"sentiment":"neutral","sentiment_score":0.1818150609731674}],"sentiment":"positive","sentiment_score":0.37261243909597397,"channel":0,"num_words":10,"start":7.9199996,"end":10.34},{"sentences":[{"text":"Yeah.","start":10.639999,"end":10.88,"sentiment":"neutral","sentiment_score":0.19556322693824768},{"text":"I have.","start":10.88,"end":11.46,"sentiment":"positive","sentiment_score":0.35360875725746155}],"sentiment":"neutral","sentiment_score":0.3009269138177236,"channel":1,"num_words":3,"start":10.639999,"end":11.46},{"sentences":[{"text":"Awesome.","start":12.0,"end":12.4,"sentiment":"positive","sentiment_score":0.7734686136245728},{"text":"Awesome.","start":12.4,"end":12.639999,"sentiment":"positive","sentiment_score":0.7539471387863159},{"text":"Mate, I've put together a bit of a plan that I was gonna send through to you today for the superannuation review, if that rings a 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it.","start":726.84094,"end":727.321,"sentiment":"neutral","sentiment_score":-0.08403195813298225},{"text":"You alright?","start":727.321,"end":727.881,"sentiment":"neutral","sentiment_score":0.04153810441493988},{"text":"Appreciate your time.","start":727.881,"end":729.02094,"sentiment":"positive","sentiment_score":0.5770166317621866}],"sentiment":"neutral","sentiment_score":0.17887095361948013,"channel":1,"num_words":9,"start":726.16095,"end":729.02094},{"sentences":[{"text":"Awesome, Ivan.","start":729.4209,"end":730.22095,"sentiment":"positive","sentiment_score":0.752404123544693},{"text":"Take care, mate.","start":730.22095,"end":731.1209,"sentiment":"positive","sentiment_score":0.5378979444503784}],"sentiment":"positive","sentiment_score":0.6237004160881042,"channel":0,"num_words":5,"start":729.4209,"end":731.1209},{"sentences":[{"text":"No.","start":731.24097,"end":731.48096,"sentiment":"neutral","sentiment_score":-0.030166391283273697},{"text":"You too.","start":731.48096,"end":732.121,"sentiment":"neutral","sentiment_score":0.1588427871465683},{"text":"See you.","start":732.121,"end":732.52094,"sentiment":"neutral","sentiment_score":0.15906386077404022},{"text":"Bye.","start":732.52094,"end":733.02094,"sentiment":"neutral","sentiment_score":0.17242644727230072}],"sentiment":"neutral","sentiment_score":0.12967889197170734,"channel":1,"num_words":6,"start":731.24097,"end":733.02094},{"sentences":[{"text":"Bye.","start":732.6209,"end":733.1209,"sentiment":"neutral","sentiment_score":-0.09687764197587968}],"sentiment":"neutral","sentiment_score":-0.09687764197587968,"channel":0,"num_words":1,"start":732.6209,"end":733.1209}]},"summary":{"result":"success","short":"Representatives from Oakview Financial speak with customers named Ivan and another speaker about their retirement plans and life insurance policies. They offer advice on the benefits of transferring insurance to a pension plan and emphasize the importance of giving people the necessary outcomes for health and retirement. They also discuss the rise in the value of superannaged funds and the negative consequences of them, but express skepticism about their benefits and potential negative consequences. They encourage people to take care of their health and take care of their family."},"intents":{"segments":[{"text":"Mate, I've put together a bit of a plan that I was gonna send through to you today for the superannuation review, if that rings a bell. Yep.","start_word":35,"end_word":62,"intents":[{"intent":"Discuss insurance plans","confidence_score":0.007287605}]},{"text":"I think the main thing for you to come back to at one one point is, like I mentioned, when you hit 60 and you hit your preservation age, transitioning the super into that pension phase, doing some recontribution strategies to bump things up a little bit, getting access and claims as things progress.","start_word":315,"end_word":368,"intents":[{"intent":"Discuss retirement transition","confidence_score":0.17825699}]},{"text":"No.","start_word":405,"end_word":405,"intents":[{"intent":"Address issues","confidence_score":0.01390247}]},{"text":"Probably probably the best thing for you guys is maybe I can give you some feedback. When someone actually tells you that we've got these issues, take it on Yeah. board straight away because, Yeah. effectively, all you're doing is working yourself to Yeah.","start_word":501,"end_word":544,"intents":[{"intent":"Give feedback","confidence_score":0.17456304}]},{"text":"And and look, I do apologize for also wasting your time a little bit too as well and appreciate the feedback. No.","start_word":608,"end_word":629,"intents":[{"intent":"Apologize","confidence_score":0.3702379}]},{"text":"One of the things that people don't really realize is that when you get all these insurances right, they've got a preexisting condition clause. But it actually for most super funds, it expires after three to five years. So if you hold it long enough, they still kinda have to pay you out. So Yep.","start_word":1170,"end_word":1224,"intents":[{"intent":"Analyze super fund structure","confidence_score":0.0000712464}]},{"text":"of the things that I would like to see, and this is just between you and me, but being able to actually give like, most of those super funds, they don't have the infrastructure to give the advice that the that the membership base need, and Yes.","start_word":1362,"end_word":1408,"intents":[{"intent":"Discuss super funds and access super super","confidence_score":0.00026673687}]},{"text":"Do you think the people on the phone helped her through the application forms? Not one bit. So I sat there for free with her in my office explaining to her how to fill in their forms to get her Yeah.","start_word":1500,"end_word":1540,"intents":[{"intent":"Complete application forms","confidence_score":0.0073477062}]},{"text":"I think, unfortunately for us, and being as old as what I am, you probably are younger than the the eighties and particularly the nineties was an era where everything was materialistic. Everyone had to have superannuation. You want to retire by 55. You needed this. You needed that. You need everything else. And along Yeah.","start_word":1580,"end_word":1635,"intents":[{"intent":"Judge retirement age","confidence_score":0.032905787}]},{"text":"You want to retire by 55.","start_word":1617,"end_word":1622,"intents":[{"intent":"Provide information about retirement","confidence_score":0.012664359}]},{"text":"If you put $1,500 of your own money in, so, yeah, your taxable income oh, Rotten Johnny was popping up with another $1,500 in your superannuation. Yeah.","start_word":1725,"end_word":1751,"intents":[{"intent":"Explanations income levy","confidence_score":1.9446542e-9}]},{"text":"It's the soft benefits.","start_word":2027,"end_word":2030,"intents":[{"intent":"Discuss soft benefits","confidence_score":0.06755909}]},{"text":"I said no no direct financial incentive, but, hey, you know, We need to have a conference, and we'll Yep. pay for the conference. Yeah.","start_word":2130,"end_word":2154,"intents":[{"intent":"Discuss conference expenses","confidence_score":0.025530366}]},{"text":"You have to retire.","start_word":2237,"end_word":2240,"intents":[{"intent":"Discuss retirement plans","confidence_score":0.17437862}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Ivan. It's Tommy here from Oakview Financial, mate. How are you doing? Yeah. You got a voice yourself?","start_word":0,"end_word":19,"sentiment":"neutral","sentiment_score":0.2409231811761856},{"text":"Living the dream so far.","start_word":20,"end_word":24,"sentiment":"positive","sentiment_score":0.5405149459838867},{"text":"Have you got two minutes? Yeah.","start_word":25,"end_word":30,"sentiment":"neutral","sentiment_score":0.18247297406196591},{"text":"I have. Awesome. Awesome. Mate, I've put together a bit of a plan that I was gonna send through to you today for the superannuation review, if that rings a bell.","start_word":31,"end_word":61,"sentiment":"positive","sentiment_score":0.42967700958251953},{"text":"Yep. Yep.","start_word":62,"end_word":63,"sentiment":"neutral","sentiment_score":-0.08421026170253754},{"text":"I have actually gone ahead and canceled that plan, unfortunately. Got it. I've flagged it for not being in your best interest.","start_word":64,"end_word":85,"sentiment":"negative","sentiment_score":-0.48004478216171265},{"text":"Yep. So what basically ended up happening, we had fantastic research come through, found some really good super that was gonna get about an extra maybe 5% was looking very strong. And I put together a plan to transfer your insurances across from HESTA.","start_word":86,"end_word":129,"sentiment":"neutral","sentiment_score":0.2790645956993103},{"text":"And that was probably gonna be about a $100 cheaper for you.","start_word":130,"end_word":141,"sentiment":"positive","sentiment_score":0.3416990041732788},{"text":"But Yep. when I dug into the underwriting a little bit more so usually when you've got health concerns, you can transfer insurances across, but I dug Yep. a bit deeper into, obviously, your condition. And if there's a risk of it progressing to, like, not being able to work again, terminal illness, that kind of thing, it can't actually be transferred across. So you would Yep. have to keep your existing insurances in place. So Yep. what that basically means is that your best interest is to keep your HESTA or run two super funds and pay fees for having two accounts open, if that makes sense. No. It does.","start_word":142,"end_word":252,"sentiment":"neutral","sentiment_score":-0.13107073307037354},{"text":"That's pointless, in other words.","start_word":253,"end_word":257,"sentiment":"negative","sentiment_score":-0.6685652136802673},{"text":"Pretty much. And, look, I talked to the team here and really wanted to sort of be alongside you on a few things, but it just it didn't really sit right with me trying to fit a square peg into a round hole, if that makes sense. Yes. It does. And there's definitely things to do. I think the main thing for you to come back to at one one point is, like I mentioned, when you hit 60 and you hit your preservation age, transitioning the super into that pension phase, doing some recontribution strategies to bump things up a little bit, getting access and claims as things progress. There's lots of things that you can do, but at this stage, for the next three years, you're best betters to stick with Hester. Yeah. Right. Okay. Yep.","start_word":258,"end_word":395,"sentiment":"neutral","sentiment_score":-0.006046760449374931},{"text":"Awesome, mate.","start_word":396,"end_word":397,"sentiment":"positive","sentiment_score":0.5956730246543884},{"text":"Do you have any questions for me? No. Not at all, mate. Could've probably could've really basically brought this to a head last week, but, unfortunately and this is not there for no other reason.","start_word":398,"end_word":432,"sentiment":"neutral","sentiment_score":-0.1516590118408203},{"text":"A lot of people get enthusiastic. You know, we can do this.","start_word":433,"end_word":444,"sentiment":"positive","sentiment_score":0.4382287263870239},{"text":"We can do that. Yeah. It might don't be rude. I don't wanna burst your bubble, but I've walked this path before, and I get this very same conversation a week later, ten days later, two days later. You know what I mean? Like, this isn't the first time this conversation's Yeah. been had. Yeah. Yeah. Probably probably the best thing for you guys is maybe I can give you some feedback. When someone actually tells you that we've got these issues, take it on Yeah. board straight away because, Yeah. effectively, all you're doing is working yourself to Yeah.","start_word":445,"end_word":544,"sentiment":"neutral","sentiment_score":0.0302276574075222},{"text":"No.","start_word":545,"end_word":545,"sentiment":"negative","sentiment_score":-0.3493567109107971},{"text":"You're bang on right, man. It's dead one of those things where we never like failing, and so we always wanna try and make it work set and nothing. pride myself in trying to find that that extra little thread that people haven't considered before or try and find the one that works.","start_word":546,"end_word":598,"sentiment":"neutral","sentiment_score":-0.13381780683994293},{"text":"And then when it doesn't, yeah, it's pretty disappointing.","start_word":599,"end_word":607,"sentiment":"negative","sentiment_score":-0.47170162200927734},{"text":"And and look, I do apologize for also wasting your time a little bit too as well and appreciate the feedback. No. It's look. It happens, mate. Yeah. There's and and, you know, I'm 57. I've done this for fifty seven years. It's not new to me. It's not disappointing to me. It's just it it it is what it is. And there's certain things too. Like, when it comes to, like, plan b's and c's, there's default insurance coverages that you can get that'll give you a little bit of TBD cover, you know, like term total and permanent disablement. It just Yep. won't cover you for your main condition. So, yeah, Yes.","start_word":608,"end_word":721,"sentiment":"neutral","sentiment_score":-0.043172356819635944},{"text":"it's good.","start_word":722,"end_word":723,"sentiment":"positive","sentiment_score":0.500053346157074},{"text":"Like, Yes. if you're in a car accident, here's $90 and pay off your mortgage kind of thing.","start_word":724,"end_word":741,"sentiment":"neutral","sentiment_score":-0.0369868241250515},{"text":"But if the main thing you've got going on is that, what's the point in paying all those premiums for anything else that might happen when the most likely issue is not gonna be protected?","start_word":742,"end_word":776,"sentiment":"negative","sentiment_score":-0.33822134137153625},{"text":"Exactly. And that's that was the issue I had with Resolution Life. I've got no problems with with naming them. I did have a life insurance with them, and I looked deeper into it.","start_word":777,"end_word":810,"sentiment":"neutral","sentiment_score":0.04776952043175697},{"text":"And it was just the start, it was costing a ridiculous amount.","start_word":811,"end_word":822,"sentiment":"negative","sentiment_score":-0.3372958302497864},{"text":"You know? And I've sat down and done the sums and thought, I can put that money aside.","start_word":823,"end_word":840,"sentiment":"neutral","sentiment_score":-0.244423970580101},{"text":"People go, oh, it's hard to do.","start_word":841,"end_word":847,"sentiment":"negative","sentiment_score":-0.45706307888031006},{"text":"What do you do? Because I've gotta put this aside now if I'm paying a Yeah. premium. So you just transfer that from where it was gonna go into another account. Don't touch it. Ten years ago, I got a $70.80, $100,000. Yep. Pay off the mortgage, build up some savings. It does the same impact at the end of the day. I've had some people come through age 63, and they're paying $20,000 a year for an insurance policy. And it's just Yep. like, what what was been the point of that? Yeah.","start_word":848,"end_word":941,"sentiment":"neutral","sentiment_score":-0.08249127119779587},{"text":"Well, that's mine was getting up around probably $67 a year. Oh, fuck. I've got better things to do than, you know, to me and this is probably the way I look at it. It's a bit harsh. Is it I'm a bit over actually paying some other CEO's lifestyle.","start_word":942,"end_word":991,"sentiment":"negative","sentiment_score":-0.513272316455841},{"text":"Yeah.","start_word":992,"end_word":992,"sentiment":"neutral","sentiment_score":0.27046841382980347},{"text":"If I'm gonna have a good life, I might as well enjoy it myself, spend that money on me.","start_word":993,"end_word":1011,"sentiment":"positive","sentiment_score":0.5583543181419373},{"text":"So look now, I I partly preempted this phone call the other day. It was just just a matter of when it was coming through. Yeah. You know, and it's it is the day for the business. I said it's no. So I'm not not upset. No offended. No. It's coming up in there. That's Yeah. the reality you say. I've been in business. I know until that they're in the aim of making money for themselves as well. It must be here and say, oh, we're we're trying to increase or improve superannuation funds. We're also in it for them the money making Correct. for themselves.","start_word":1012,"end_word":1118,"sentiment":"neutral","sentiment_score":0.000010522860975470394},{"text":"This guy this guy is healthy. She is something we don't want on our it's not gonna suit us.","start_word":1119,"end_word":1137,"sentiment":"negative","sentiment_score":-0.5329917073249817},{"text":"Leaving with Hester, and that's it. Yeah. That's And you've how been it asking works. for quite a while, haven't you? Yeah. Shit. Probably twenty five years. And that's the thing too. One of the things that people don't really realize is that when you get all these insurances right, they've got a preexisting condition clause. But it actually for most super funds, it expires after three to five years.","start_word":1138,"end_word":1207,"sentiment":"neutral","sentiment_score":-0.13606390357017517},{"text":"So if you hold it long enough, they still kinda have to pay you out.","start_word":1208,"end_word":1222,"sentiment":"negative","sentiment_score":-0.3580712676048279},{"text":"So Yep.","start_word":1223,"end_word":1224,"sentiment":"neutral","sentiment_score":-0.14335444569587708},{"text":"if you try and move that, if anybody tries to move that and it resets that and something happens to you in the next three to five years, that's pointless when you're, you've paid premiums for so long that they pretty much have to pay you out.","start_word":1225,"end_word":1271,"sentiment":"negative","sentiment_score":-0.40566596388816833},{"text":"Yeah. So it's just one of those things that really is. But it's just yeah. It's the nature of the rest, but it look really, as I said in feedback, mate, if you if you get someone like this, yeah, great. Go home. But just taking the net. If they're giving you that advice, they're a pre existing history. Just nothing in my head. Yeah. Yep. Do it straight away. Do it in the first day or so. Check your eggs and get back to them straight away. One Yeah. of the things that I would like to see, and this is just between you and me, but being able to actually give like, most of those super funds, they don't have the infrastructure to give the advice that the that the membership base need, and Yes.","start_word":1272,"end_word":1408,"sentiment":"neutral","sentiment_score":0.06609582846617176},{"text":"they're coming closer to the point where they're allowing advisers to have more access and control within the funds because even simple things like contribution strategies and just changing your investments within Hesta can have a big difference and Yes.","start_word":1409,"end_word":1448,"sentiment":"positive","sentiment_score":0.3745932877063751},{"text":"doing some things to transit. I had the lady call me up three weeks ago. She had been kicked out of home, divorced, all these issues have just happened, and she spent all of her money trying to get into a house. And she's 62, so she can access a super. Do you think the people on the phone helped her through the application forms?","start_word":1449,"end_word":1513,"sentiment":"neutral","sentiment_score":-0.035371437668800354},{"text":"Not one bit.","start_word":1514,"end_word":1516,"sentiment":"negative","sentiment_score":-0.34929710626602173},{"text":"So I sat there for free with her in my office explaining to her how to fill in their forms to get her Yeah.","start_word":1517,"end_word":1540,"sentiment":"neutral","sentiment_score":-0.12243223190307616},{"text":"into their pension account to get her money out, and they refused to do so. Because they say, yeah, wants a fucking better holiday than the rest of us.","start_word":1541,"end_word":1569,"sentiment":"negative","sentiment_score":-0.5453840494155884},{"text":"That's Yeah.","start_word":1570,"end_word":1571,"sentiment":"neutral","sentiment_score":-0.26155486702919006},{"text":"just the way I judge everything. You know? I think, unfortunately for us, and being as old as what I am, you probably are younger than the the eighties and particularly the nineties was an era where everything was materialistic. Everyone had to have superannuation. You want to retire by 55. You needed this. You needed that.","start_word":1572,"end_word":1628,"sentiment":"negative","sentiment_score":-0.495486855506897},{"text":"You need everything else. And along Yeah.","start_word":1629,"end_word":1635,"sentiment":"neutral","sentiment_score":-0.1259884089231491},{"text":"the way, we forgot we're actually paying for for all these high end executives, good lifestyle, but we're we're churning and biting our ass. And and still a little bit the case today, but I think more and more people are waking up with the reality. Fuck. Why is this guy you know, why are we so driven to pay pay so much money into these superannuation funds?","start_word":1636,"end_word":1703,"sentiment":"negative","sentiment_score":-0.43267592787742615},{"text":"Yeah. We need it. But, you know, I think here in the Howard government, Yeah. He was he was coughing up. If you put $1,500 of your own money in, so, yeah, your taxable income oh, Rotten Johnny was popping up with another $1,500 in your superannuation. Yeah.","start_word":1704,"end_word":1751,"sentiment":"neutral","sentiment_score":-0.13224269449710846},{"text":"That's great.","start_word":1752,"end_word":1753,"sentiment":"positive","sentiment_score":0.40916749835014343},{"text":"Now I'm not sure what the deal was with the Rotten Johnny and and Petty Castillo and the superannuation funds are back in the the late nineties, early two thousands, but Jesus. Someone was making money somewhere. Mate, well, these days, it's gone up to over $3,000,000,000,000. It's the biggest pool of money in the country, and everybody wants a slice of it, unfortunately. So it Yeah. means a mixture of all the different banks, insurance companies, advisers, fund managers, everybody wants to have a slice of it. At the end of the day, there's somebody there who's trying to get an outcome out of it for something they actually need, and Yep.","start_word":1754,"end_word":1866,"sentiment":"neutral","sentiment_score":-0.23254048824310303},{"text":"you're mixed in with all these different institutions, and it's quite painful. And look, I'm I'm a very skeptical person, and I don't wanna take up too much of your time. You're very busy, Blake.","start_word":1867,"end_word":1901,"sentiment":"negative","sentiment_score":-0.5060960054397583},{"text":"With people, you can actually can do something before.","start_word":1902,"end_word":1910,"sentiment":"neutral","sentiment_score":-0.21521687507629397},{"text":"But there there's an element of skepticism in me, like, especially when it comes to employers. How much depending on how big the employer is and how big a a deal they have with the superannuation fund, what sort of kickbacks are there?","start_word":1911,"end_word":1953,"sentiment":"negative","sentiment_score":-0.4552721977233886},{"text":"Like, if I've got a 100 people working for me and I make a contribution to one superannuation fund. Me personally as the boss, is there any sort of kickback, so to speak? If you said no, I I wouldn't argue with you, but I wouldn't be convinced. Yeah. Look. Not We've anymore. been like the old You know? pharmaceutical But companies and the doctors. it's Give you the soft a paper. benefits. It's the soft benefits. There's those things there where someone there was stories that used to happen seven, eight, nine years ago of people going out to an island, having parties with Macquarie Bank, and they Yes. would set everybody up with, you know, golf courses and food and drinks and yachts and all this sort of thing and fly you out there and all that kind Yep. of thing. So there's there's soft benefits there, but there's no, like, direct kickbacks anymore. They kind of chop those off, but everyone finds a way around to do something or get something. Yep. Right. I said no no direct financial incentive, but, hey, you know, We need to have a conference, and we'll Yep. pay for the conference. Yeah. Yeah. Yeah. Yeah. I I get it. I I Little I things truly like do. that. Yeah. No. Still look, mate.","start_word":1954,"end_word":2175,"sentiment":"neutral","sentiment_score":-0.04564535245299339},{"text":"I appreciate your time. Thanks for for getting back to me on it.","start_word":2176,"end_word":2188,"sentiment":"positive","sentiment_score":0.475934773683548},{"text":"As I said, done this before. Probably some 100 another three years. I wanna make a name for himself in in your industry. I'm reading this, mate. Look. You knock yourself out. Here's the reality of it all. Oh, you're 62, mate. You got five years before, buddy. You have to retire. We'll do this, this, this, and this. We'll get you how you go for it, buddy? Crunch all the time you're like, but I need to let you know I've got a dodgy taker. Hopefully, that'll be enough to go. Yeah. Can Yeah. Yeah.","start_word":2189,"end_word":2284,"sentiment":"neutral","sentiment_score":0.018070274963974953},{"text":"I hope I hope someone comes along or, you know, even help if you you.","start_word":2285,"end_word":2299,"sentiment":"positive","sentiment_score":0.423229306936264},{"text":"do it yourself or someone comes along where it's just a simple easy, hey.","start_word":2300,"end_word":2313,"sentiment":"neutral","sentiment_score":0.32009243965148926},{"text":"You know, you should do this. Go and do it. Happy days. You'll get you Yes.","start_word":2314,"end_word":2329,"sentiment":"positive","sentiment_score":0.4875392317771912},{"text":"a bit better Yeah. outcome.","start_word":2330,"end_word":2334,"sentiment":"neutral","sentiment_score":0.2266697883605957},{"text":"That's too easy. Awesome. I mate, it has been a pleasure, and thank you again. But, mate, I wish That's you all the best.","start_word":2335,"end_word":2358,"sentiment":"positive","sentiment_score":0.5753875374794006},{"text":"it. No. That's it. You alright?","start_word":2359,"end_word":2364,"sentiment":"neutral","sentiment_score":-0.01581691950559616},{"text":"Appreciate your time. Awesome, Ivan. Take care, mate.","start_word":2365,"end_word":2372,"sentiment":"positive","sentiment_score":0.6048256158828735},{"text":"No. You too. See you. Bye. Bye.","start_word":2373,"end_word":2379,"sentiment":"neutral","sentiment_score":0.12844285368919373}],"average":{"sentiment":"neutral","sentiment_score":-0.07620629473758543}}}}