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It could be our phone. I'll get someone in IT to have a look at it for you. All good. I'm sorry. You had a third motor vehicle noted with a value of 20,000. Do you have three motor vehicles at all? Yep. Beautiful. And what's the the third vehicle? What kind of vehicle is it? Ford Ranger. Beautiful. Yep. Beautiful. Fantastic. And then I also had you renting here. How much rent are you paying at the moment? Per week. Beautiful. The other things I do like to sort of note down as assets are your contents. Do you happen to have contents insurance, or what sort of value would you put on your contents, do you think? 20,000? Absolutely fine. And do you have any other investment shares, cryptocurrency, collections, or tools of trade that you would note down as valuable? Yep. Beautiful. So tools and about 5,000. Lovely. Fantastic. Thank you for updating those details. Now we sort of did talk about the estate planning and wills and power of attorney things. I'll send through some information there for you. Are you a tax resident of Ireland or any other country at all? Beautiful. So the answer would be no. Excellent. That's okay. And just sort of going through now, you're set up as an ABN. Are you do you have a company? So do you work as your own employee for your company? Yeah. Beautiful. Excellent. So subcontract out. Excellent. I have your company name down as Piran O'Connor Proprietary Limited. Is that kind of how how your sub like, the business you're subcontracting for or what you put on your invoices? Okay. No worries. It also just under your name as a sole trader. Yep. That's absolutely fine. Perfect. And you've been in construction for a long time? All good. And with the funds in the bank, are you sort of wanting to put that towards buying a property down the track, or what's kind of the the goal with the funds you have? Yep. Yeah. Oh, wow. Right. Okay. Yep. Okay. No worries. So it was serviced it was sort of put through servicing wise as an investment to be able to generate income as part of the servicing. That makes sense. Yeah. That's okay. And, I mean, even with the changes, you can still look to buy a property. It's just that to be able to negatively gear, it does have to be an off the plan or a brand new property depending on sort of what you what the, you know, the whole servicing looks like. You could still buy a preexisting property. It's just that you can't negatively get a property. You'll get the benefits in negative gearing with the new legislation going through. If you don't buy it off the plan or a property being built, essentially, you buy a preexisting property, you just can't claim that negative gearing. The losses essentially carry forward and can be used to offset gains in the future. So if you sold that property down the track and you made a gain, you could essentially offset the gain with some of the, you know, the loss that had been carried forward. Or if the property was positively geared down the track, you could kinda offset it that way as well. So it doesn't anyway stop you from investing in property. It just changes the way we have to do it as investors. That's all. But, yeah, it might still be worth looking at. Okay. Yep. Yeah. That's absolutely fine. Not a problem at all. Well, I mean, we do provide advice on investments in other areas. So if you did wanna look at those with the areas, come and have a chat to us. We're licensed advisers and can certainly look at helping you. Okay? Excellent. Other than that, additional goals I've got here is that you were looking says that you're focusing on on new family dynamic and starting a new job. Is that something that you just had down the track? Are you still sort of looking to pick up more work down the track? Yeah. Of course. Yep. Yep. Well, another one of the goals here I had back a while ago was that you were looking at maybe buying commercial property. Are you still considering maybe commercial property? Or Okay. Yeah. Yeah. Absolutely. Yeah. No. Absolutely. Absolutely. All good. Yes. Yeah. Absolutely. No. Completely understandable. All good. And the last thing I need to run through with you is just a quick risk profile questionnaire. So I've been able to answer most of the questions here, but when it comes to you so far, do you consider yourself willing to or wanting to take on the highest level of risk to get the best returns you can, a moderate or medium amount of risk for the best returns you can, or do you consider yourself not wanting to take on any risk and exceeding lower returns? Where do you sort sort of see yourself sitting? Yeah. Yep. Yes. Yes. Yeah. Correct. Yes. You're in a growth portfolio, which if you consider, say, the risk level out of about five, you'd be sitting at about a three. Yes. Look. I mean yeah. I mean, you don't have to go on the highest level of risk if you wanted to. So from that growth portfolio, you can increase the risk level by 10% that takes you into the high growth environment. That increases your growth asset exposure. So that's things like Australian shares, international shares, listed property, and commodities by about 10%. So we go to 90% invested there. Those sorts of investments can and do get greater returns over the longer term, but you do expect a negative return every so often. So you do see the dips as your balance increases. You do feel those changes more. But with your age, you're 45. You can't access super to 60. You could maybe step it up a little bit to kind of help with the new with the contributions going in, and then we just reevaluate it in twelve months. Did you wanna look at doing that and see what it can help with? On the upside, it's only increasing the exposure by 10. So you're not going, you know, hell for leather essentially. You when you look at it out of five, you're at a three at the moment. Taking to high growth kinda puts you in a range of about four. If you were to go fully aggressive, that's where you see all invested in those growth assets. That doesn't sound like you're in that kind of spot at the moment. So you could definitely have a look at going into the high growth for a little bit longer. For your age, you'd say high growth is absolutely fine. You generally with this sort of a high growth environment, we're looking to try and obtain returns on a yearly basis compounded of about eight to 10%, and we could expect the likelihood of a negative return around about one in every five years. And the high growth environment through someone who's not accessing their money for another eight years. So if you wanted to step it up a little bit, that's absolutely fine. I can show you that as part of the advice, and then you can always tell me if you're not comfortable. Yeah. Beautiful. In the appendices, if you wanted, I could show you the same projection table, but with the growth portfolio. So it shows you the outcome based on your current portfolio, the recommended in the growth environment, but then as part of the advice, we can show you the high growth. So you can see both, and you can sort of see what we're recommending, high growth versus just that kind of the same kind of environment you're in now in the appendices as as a comparison. Did you want me to do both? Yeah. Absolutely. Perfect. Another question I have here is just out of and I know you sort of said you did think about going into the lower risk earlier this year with what was Trump was doing. But in the next, say, one to two years, if the portfolio dropped by 20%, so we had a very big market dip, would you be, a, wanting to put more money in? It could be a buying opportunity. Are you more likely to hold and wait and maybe call us, or are you feeling nervous and wanting to sell the investment? How do you think you might be feeling? Yes. That's nice as I say. Is that the yeah. Abs absolutely. Perfect. And when you see those drops occur in the market, do you get excited thinking it's an investment opportunity, feeling a bit optimistic? Are you feeling cautious, anxious, or concerned? How do you think you're feeling in those scenarios? No. All good. You think VOC is an investment opportunity, maybe a bit optimistic for the time being? Put some more money in? No. All good. All good. Perfect. And the last one here is, have you ever thought about borrowing money to in order to invest in shares or managed funds, or do you feel like it's very risky and would only ever borrow money for safe property? Yeah. Yeah. Yeah. Yeah. Yeah. On the mortgage. Yeah. Yeah. Absolutely. No. Not a problem at all. That's easy. Excellent. Now going through that one, and thank you for answering those questions. Now you have scored in that high growth environment So, obviously, you said you would like to, you know, look at maybe increasing your exposure for the next twelve months. Are you comfortable with me, obviously, just doing the advice, making those recommendations and the changes? I can show you the high growth portfolio. At the end of the day, Kieran, the advice is just our recommendations. You have the option to take all of it, some of it, or none of it. As I said, I can show you the growth portfolio in the appendices as a comparison for you, and then we recommend you go into high growth, and we can look at adjusting your portfolio to reflect that and add some contributions in. Does that sound okay? Beautiful. Fantastic. Well, look. That's basically everything I needed to go through. As I kinda mentioned before, I have sent through the annual review pack to you. It does have the ongoing service agreement in it. So for us to continue looking after things, providing advice, and helping look after your super, we do charge a service fee of 1.65 percent per annum. That is deducted out of your super full monthly increments. So we wanna make sure things continue to work harder for you, that your super makes at 1.65%, and then, obviously, additional growth on top of that to keep compounding forward. Do you have any questions about the ongoing service agreement, the fees that we charge, or and or our services at all? Thank you. Well, I'll do everything I can to help make sure that continues moving forward for you. That's okay. I was attach sorry. Attached to that docuser, and you've also got the documents that I've gone through with your insurances, your superannuation balances, and the breakdown of the hub twenty four account with the investment returns just so you can see the documents I've gone through. And it does also have our own our financial services guide attached, which outlines all the me has a lovely picture of me in there for you and all of my licensing information as a licensed adviser for you. Okay? Easy. Have a look at those documents. Let me know if you do have any questions. I'll get you to sign and return them back at your earliest opportunity there, and I'll go forward and do some research for you in the next couple of weeks with regard to the advice, and I'll just get my team member to give you a call next week just to reconfirm your income for the last financial year. Do you know what day you're doing your tax 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Karen. I've got your back. Are you there? I think I lost you again. Oh, I gotcha.\n\nPerfect. Sorry about I'm not sure what's going on with the phone. It's yeah. Sorry about that. It could be our phone.\n\nI'll get someone in IT to have a look at it for you. All good. I'm sorry. You had a third motor vehicle noted with a value of 20,000. Do you have three motor vehicles at all?\n\nYep. Beautiful. And what's the the third vehicle? What kind of vehicle is it? Ford Ranger.\n\nBeautiful. Yep. Beautiful. Fantastic. And then I also had you renting here.\n\nHow much rent are you paying at the moment? Per week. Beautiful. The other things I do like to sort of note down as assets are your contents. Do you happen to have contents insurance, or what sort of value would you put on your contents, do you think?\n\n20,000? Absolutely fine. And do you have any other investment shares, cryptocurrency, collections, or tools of trade that you would note down as valuable? Yep. Beautiful.\n\nSo tools and about 5,000. Lovely. Fantastic. Thank you for updating those details. Now we sort of did talk about the estate planning and wills and power of attorney things.\n\nI'll send through some information there for you. Are you a tax resident of Ireland or any other country at all? Beautiful. So the answer would be no. Excellent.\n\nThat's okay. And just sort of going through now, you're set up as an ABN. Are you do you have a company? So do you work as your own employee for your company? Yeah.\n\nBeautiful. Excellent. So subcontract out. Excellent. I have your company name down as Piran O'Connor Proprietary Limited.\n\nIs that kind of how how your sub like, the business you're subcontracting for or what you put on your invoices? Okay. No worries. It also just under your name as a sole trader. Yep.\n\nThat's absolutely fine. Perfect. And you've been in construction for a long time? All good. And with the funds in the bank, are you sort of wanting to put that towards buying a property down the track, or what's kind of the the goal with the funds you have?\n\nYep. Yeah. Oh, wow. Right. Okay.\n\nYep. Okay. No worries. So it was serviced it was sort of put through servicing wise as an investment to be able to generate income as part of the servicing. That makes sense.\n\nYeah. That's okay. And, I mean, even with the changes, you can still look to buy a property. It's just that to be able to negatively gear, it does have to be an off the plan or a brand new property depending on sort of what you what the, you know, the whole servicing looks like. You could still buy a preexisting property.\n\nIt's just that you can't negatively get a property. You'll get the benefits in negative gearing with the new legislation going through. If you don't buy it off the plan or a property being built, essentially, you buy a preexisting property, you just can't claim that negative gearing. The losses essentially carry forward and can be used to offset gains in the future. So if you sold that property down the track and you made a gain, you could essentially offset the gain with some of the, you know, the loss that had been carried forward.\n\nOr if the property was positively geared down the track, you could kinda offset it that way as well. So it doesn't anyway stop you from investing in property. It just changes the way we have to do it as investors. That's all. But, yeah, it might still be worth looking at.\n\nOkay. Yep. Yeah. That's absolutely fine. Not a problem at all.\n\nWell, I mean, we do provide advice on investments in other areas. So if you did wanna look at those with the areas, come and have a chat to us. We're licensed advisers and can certainly look at helping you. Okay? Excellent.\n\nOther than that, additional goals I've got here is that you were looking says that you're focusing on on new family dynamic and starting a new job. Is that something that you just had down the track? Are you still sort of looking to pick up more work down the track? Yeah. Of course.\n\nYep. Yep. Well, another one of the goals here I had back a while ago was that you were looking at maybe buying commercial property. Are you still considering maybe commercial property? Or Okay.\n\nYeah. Yeah. Absolutely. Yeah. No.\n\nAbsolutely. Absolutely. All good. Yes. Yeah.\n\nAbsolutely. No. Completely understandable. All good. And the last thing I need to run through with you is just a quick risk profile questionnaire.\n\nSo I've been able to answer most of the questions here, but when it comes to you so far, do you consider yourself willing to or wanting to take on the highest level of risk to get the best returns you can, a moderate or medium amount of risk for the best returns you can, or do you consider yourself not wanting to take on any risk and exceeding lower returns? Where do you sort sort of see yourself sitting? Yeah. Yep. Yes.\n\nYes. Yeah. Correct. Yes. You're in a growth portfolio, which if you consider, say, the risk level out of about five, you'd be sitting at about a three.\n\nYes. Look. I mean yeah. I mean, you don't have to go on the highest level of risk if you wanted to. So from that growth portfolio, you can increase the risk level by 10% that takes you into the high growth environment.\n\nThat increases your growth asset exposure. So that's things like Australian shares, international shares, listed property, and commodities by about 10%. So we go to 90% invested there. Those sorts of investments can and do get greater returns over the longer term, but you do expect a negative return every so often. So you do see the dips as your balance increases.\n\nYou do feel those changes more. But with your age, you're 45. You can't access super to 60. You could maybe step it up a little bit to kind of help with the new with the contributions going in, and then we just reevaluate it in twelve months. Did you wanna look at doing that and see what it can help with?\n\nOn the upside, it's only increasing the exposure by 10. So you're not going, you know, hell for leather essentially. You when you look at it out of five, you're at a three at the moment. Taking to high growth kinda puts you in a range of about four. If you were to go fully aggressive, that's where you see all invested in those growth assets.\n\nThat doesn't sound like you're in that kind of spot at the moment. So you could definitely have a look at going into the high growth for a little bit longer. For your age, you'd say high growth is absolutely fine. You generally with this sort of a high growth environment, we're looking to try and obtain returns on a yearly basis compounded of about eight to 10%, and we could expect the likelihood of a negative return around about one in every five years. And the high growth environment through someone who's not accessing their money for another eight years.\n\nSo if you wanted to step it up a little bit, that's absolutely fine. I can show you that as part of the advice, and then you can always tell me if you're not comfortable. Yeah. Beautiful. In the appendices, if you wanted, I could show you the same projection table, but with the growth portfolio.\n\nSo it shows you the outcome based on your current portfolio, the recommended in the growth environment, but then as part of the advice, we can show you the high growth. So you can see both, and you can sort of see what we're recommending, high growth versus just that kind of the same kind of environment you're in now in the appendices as as a comparison. Did you want me to do both? Yeah. Absolutely.\n\nPerfect. Another question I have here is just out of and I know you sort of said you did think about going into the lower risk earlier this year with what was Trump was doing. But in the next, say, one to two years, if the portfolio dropped by 20%, so we had a very big market dip, would you be, a, wanting to put more money in? It could be a buying opportunity. Are you more likely to hold and wait and maybe call us, or are you feeling nervous and wanting to sell the investment?\n\nHow do you think you might be feeling? Yes. That's nice as I say. Is that the yeah. Abs absolutely.\n\nPerfect. And when you see those drops occur in the market, do you get excited thinking it's an investment opportunity, feeling a bit optimistic? Are you feeling cautious, anxious, or concerned? How do you think you're feeling in those scenarios? No.\n\nAll good. You think VOC is an investment opportunity, maybe a bit optimistic for the time being? Put some more money in? No. All good.\n\nAll good. Perfect. And the last one here is, have you ever thought about borrowing money to in order to invest in shares or managed funds, or do you feel like it's very risky and would only ever borrow money for safe property? Yeah. Yeah.\n\nYeah. Yeah. Yeah. On the mortgage. Yeah.\n\nYeah. Absolutely. No. Not a problem at all. That's easy.\n\nExcellent. Now going through that one, and thank you for answering those questions. Now you have scored in that high growth environment So, obviously, you said you would like to, you know, look at maybe increasing your exposure for the next twelve months. Are you comfortable with me, obviously, just doing the advice, making those recommendations and the changes? I can show you the high growth portfolio.\n\nAt the end of the day, Kieran, the advice is just our recommendations. You have the option to take all of it, some of it, or none of it. As I said, I can show you the growth portfolio in the appendices as a comparison for you, and then we recommend you go into high growth, and we can look at adjusting your portfolio to reflect that and add some contributions in. Does that sound okay? Beautiful.\n\nFantastic. Well, look. That's basically everything I needed to go through. As I kinda mentioned before, I have sent through the annual review pack to you. It does have the ongoing service agreement in it.\n\nSo for us to continue looking after things, providing advice, and helping look after your super, we do charge a service fee of 1.65 percent per annum. That is deducted out of your super full monthly increments. So we wanna make sure things continue to work harder for you, that your super makes at 1.65%, and then, obviously, additional growth on top of that to keep compounding forward. Do you have any questions about the ongoing service agreement, the fees that we charge, or and or our services at all? Thank you.\n\nWell, I'll do everything I can to help make sure that continues moving forward for you. That's okay. I was attach sorry. Attached to that docuser, and you've also got the documents that I've gone through with your insurances, your superannuation balances, and the breakdown of the hub twenty four account with the investment returns just so you can see the documents I've gone through. And it does also have our own our financial services guide attached, which outlines all the me has a lovely picture of me in there for you and all of my licensing information as a licensed adviser for you.\n\nOkay? Easy. Have a look at those documents. Let me know if you do have any questions. I'll get you to sign and return them back at your earliest opportunity there, and I'll go forward and do some research for you in the next couple of weeks with regard to the advice, and I'll just get my team member to give you a call next week just to reconfirm your income for the last financial year.\n\nDo you know what day you're doing your tax return?","paragraphs":[{"sentences":[{"text":"Hi, Karen.","start":5.2799997,"end":5.8399997,"sentiment":"neutral","sentiment_score":0.11677955836057663},{"text":"I've got your back.","start":5.8399997,"end":6.98,"sentiment":"neutral","sentiment_score":0.19993546977639198},{"text":"Are you there?","start":13.8550005,"end":14.415,"sentiment":"neutral","sentiment_score":-0.06873812526464462},{"text":"I think I lost you again.","start":14.415,"end":15.775001,"sentiment":"negative","sentiment_score":-0.33982983231544495},{"text":"Oh, I gotcha.","start":15.775001,"end":16.595001,"sentiment":"neutral","sentiment_score":-0.051818390687306724}],"sentiment":"neutral","sentiment_score":-0.07596375255121125,"num_words":18,"start":5.2799997,"end":16.595001},{"sentences":[{"text":"Perfect.","start":16.655,"end":17.155,"sentiment":"neutral","sentiment_score":0.19246459007263184},{"text":"Sorry about I'm not sure what's going on with the phone.","start":17.615,"end":19.935,"sentiment":"neutral","sentiment_score":-0.1598138761791316},{"text":"It's yeah.","start":19.935,"end":21.135,"sentiment":"neutral","sentiment_score":-0.08023317158222198},{"text":"Sorry about that.","start":21.135,"end":21.935001,"sentiment":"neutral","sentiment_score":-0.15316931903362274},{"text":"It could be our phone.","start":21.935001,"end":22.895,"sentiment":"neutral","sentiment_score":-0.04773005396127701}],"sentiment":"neutral","sentiment_score":-0.1101869371804324,"num_words":22,"start":16.655,"end":22.895},{"sentences":[{"text":"I'll get someone in IT to have a look at it for you.","start":22.895,"end":25.62,"sentiment":"neutral","sentiment_score":0.029086595544448264},{"text":"All good.","start":28.82,"end":29.380001,"sentiment":"neutral","sentiment_score":0.2687421515583992},{"text":"I'm sorry.","start":29.380001,"end":29.7,"sentiment":"neutral","sentiment_score":-0.025449785869568586},{"text":"You had a third motor vehicle noted with a value of 20,000.","start":29.7,"end":32.58,"sentiment":"neutral","sentiment_score":-0.017745473732550938},{"text":"Do you have three motor vehicles at all?","start":32.58,"end":34.760002,"sentiment":"neutral","sentiment_score":-0.0074788081692531705}],"sentiment":"neutral","sentiment_score":0.015998224954347353,"num_words":37,"start":22.895,"end":34.760002},{"sentences":[{"text":"Yep.","start":36.260002,"end":36.66,"sentiment":"neutral","sentiment_score":0.10566318035125732},{"text":"Beautiful.","start":36.66,"end":37.06,"sentiment":"neutral","sentiment_score":0.236237108707428},{"text":"And what's the the third vehicle?","start":37.06,"end":38.58,"sentiment":"neutral","sentiment_score":0.044494700307647385},{"text":"What kind of vehicle is it?","start":38.58,"end":40.005,"sentiment":"neutral","sentiment_score":0.022848730441182852},{"text":"Ford Ranger.","start":42.005,"end":42.985,"sentiment":"neutral","sentiment_score":0.04304949752986431}],"sentiment":"neutral","sentiment_score":0.05200374178821221,"num_words":16,"start":36.260002,"end":42.985},{"sentences":[{"text":"Beautiful.","start":43.045002,"end":43.545002,"sentiment":"neutral","sentiment_score":0.2941133379936218},{"text":"Yep.","start":49.445,"end":49.925003,"sentiment":"neutral","sentiment_score":0.14557695388793945},{"text":"Beautiful.","start":49.925003,"end":50.425003,"sentiment":"positive","sentiment_score":0.4538203477859497},{"text":"Fantastic.","start":50.485,"end":50.985,"sentiment":"positive","sentiment_score":0.4996466040611267},{"text":"And then I also had you renting here.","start":51.365,"end":53.045002,"sentiment":"neutral","sentiment_score":0.16893802769482136}],"sentiment":"neutral","sentiment_score":0.22872178877393404,"num_words":12,"start":43.045002,"end":53.045002},{"sentences":[{"text":"How much rent are you paying at the moment?","start":53.045002,"end":54.825,"sentiment":"neutral","sentiment_score":0.07112679009636243},{"text":"Per week.","start":58.04,"end":58.760002,"sentiment":"neutral","sentiment_score":0.07289473339915276},{"text":"Beautiful.","start":58.760002,"end":59.260002,"sentiment":"neutral","sentiment_score":0.3327256441116333},{"text":"The other things I do like to sort of note down as assets are your contents.","start":60.440002,"end":64.200005,"sentiment":"neutral","sentiment_score":0.1065420382656157},{"text":"Do you happen to have contents insurance, or what sort of value would you put on your contents, do you think?","start":64.200005,"end":69.18,"sentiment":"neutral","sentiment_score":0.04836321568914822}],"sentiment":"neutral","sentiment_score":0.07834604823467683,"num_words":49,"start":53.045002,"end":69.18},{"sentences":[{"text":"20,000?","start":74.565,"end":75.385,"sentiment":"neutral","sentiment_score":0.036716606467962265},{"text":"Absolutely fine.","start":75.44501,"end":76.245,"sentiment":"neutral","sentiment_score":0.08881288394331932},{"text":"And do you have any other investment shares, cryptocurrency, collections, or tools of trade that you would note down as valuable?","start":76.245,"end":82.58501,"sentiment":"neutral","sentiment_score":0.06132936247047924},{"text":"Yep.","start":88.93,"end":89.33,"sentiment":"neutral","sentiment_score":0.06890670955181122},{"text":"Beautiful.","start":89.33,"end":89.83,"sentiment":"neutral","sentiment_score":0.2126271426677704}],"sentiment":"neutral","sentiment_score":0.06860741686362487,"num_words":26,"start":74.565,"end":89.83},{"sentences":[{"text":"So tools and about 5,000.","start":89.97,"end":92.310005,"sentiment":"neutral","sentiment_score":0.10466102063655854},{"text":"Lovely.","start":93.17,"end":93.67,"sentiment":"positive","sentiment_score":0.3655673265457154},{"text":"Fantastic.","start":95.425,"end":95.925,"sentiment":"positive","sentiment_score":0.4767761826515198},{"text":"Thank you for updating those details.","start":95.985,"end":97.845,"sentiment":"positive","sentiment_score":0.49826336403687793},{"text":"Now we sort of did talk about the estate planning and wills and power of attorney things.","start":98.945,"end":102.945,"sentiment":"neutral","sentiment_score":0.1347196803373449}],"sentiment":"neutral","sentiment_score":0.2215154454112053,"num_words":30,"start":89.97,"end":102.945},{"sentences":[{"text":"I'll send through some information there for you.","start":102.945,"end":105.205,"sentiment":"neutral","sentiment_score":0.09081021882593632},{"text":"Are you a tax resident of Ireland or any other country at all?","start":105.665,"end":109.365005,"sentiment":"neutral","sentiment_score":0.024982509991297357},{"text":"Beautiful.","start":115.21999,"end":115.619995,"sentiment":"neutral","sentiment_score":0.08553488552570343},{"text":"So the answer would be no.","start":115.619995,"end":116.74,"sentiment":"neutral","sentiment_score":-0.15219956636428833},{"text":"Excellent.","start":116.74,"end":117.24,"sentiment":"neutral","sentiment_score":0.11760783195495604}],"sentiment":"neutral","sentiment_score":0.011765506889285713,"num_words":29,"start":102.945,"end":117.24},{"sentences":[{"text":"That's okay.","start":117.7,"end":118.52,"sentiment":"neutral","sentiment_score":0.10511261597275734},{"text":"And just sort of going through now, you're set up as an ABN.","start":120.5,"end":124.775,"sentiment":"neutral","sentiment_score":0.06350863094513233},{"text":"Are you do you have a company?","start":124.915,"end":126.354996,"sentiment":"neutral","sentiment_score":-0.00843902344682387},{"text":"So do you work as your own employee for your company?","start":126.354996,"end":129.33499,"sentiment":"neutral","sentiment_score":-0.012983588671142405},{"text":"Yeah.","start":134.675,"end":135.075,"sentiment":"neutral","sentiment_score":0.16934940218925476}],"sentiment":"neutral","sentiment_score":0.029508652850328124,"num_words":34,"start":117.7,"end":135.075},{"sentences":[{"text":"Beautiful.","start":135.075,"end":135.575,"sentiment":"positive","sentiment_score":0.6229815483093262},{"text":"Excellent.","start":135.635,"end":136.035,"sentiment":"positive","sentiment_score":0.6570862531661987},{"text":"So subcontract out.","start":136.035,"end":137.47499,"sentiment":"positive","sentiment_score":0.3601781527201335},{"text":"Excellent.","start":137.47499,"end":137.955,"sentiment":"positive","sentiment_score":0.5397351980209351},{"text":"I have your company name down as Piran O'Connor Proprietary Limited.","start":137.955,"end":141.08,"sentiment":"neutral","sentiment_score":0.18159602176059375}],"sentiment":"neutral","sentiment_score":0.2881113939425525,"num_words":17,"start":135.075,"end":141.08},{"sentences":[{"text":"Is that kind of how how your sub like, the business you're subcontracting for or what you put on your invoices?","start":141.08,"end":146.78,"sentiment":"neutral","sentiment_score":0.07876952895007673},{"text":"Okay.","start":149.95999,"end":150.44,"sentiment":"neutral","sentiment_score":0.030739951878786087},{"text":"No worries.","start":150.44,"end":151.08,"sentiment":"neutral","sentiment_score":0.050453413277864456},{"text":"It also just under your name as a sole trader.","start":151.08,"end":153.42,"sentiment":"neutral","sentiment_score":0.027339178323745727},{"text":"Yep.","start":153.715,"end":154.03499,"sentiment":"neutral","sentiment_score":0.13928687572479248}],"sentiment":"neutral","sentiment_score":0.06281387272423931,"num_words":35,"start":141.08,"end":154.03499},{"sentences":[{"text":"That's absolutely fine.","start":154.03499,"end":155.555,"sentiment":"positive","sentiment_score":0.42908833424250287},{"text":"Perfect.","start":155.555,"end":156.055,"sentiment":"positive","sentiment_score":0.4931967258453369},{"text":"And you've been in construction for a long time?","start":156.19499,"end":158.61499,"sentiment":"neutral","sentiment_score":0.04359716632299953},{"text":"All good.","start":164.515,"end":165.155,"sentiment":"positive","sentiment_score":0.36479584872722626},{"text":"And with the funds in the bank, are you sort of wanting to put that towards buying a property down the track, or what's kind of the the goal with the funds you have?","start":165.155,"end":178.43,"sentiment":"neutral","sentiment_score":0.06719900486881242}],"sentiment":"neutral","sentiment_score":0.10586110384640646,"num_words":49,"start":154.03499,"end":178.43},{"sentences":[{"text":"Yep.","start":180.49,"end":180.99,"sentiment":"neutral","sentiment_score":-0.0022998987697064877},{"text":"Yeah.","start":186.185,"end":186.685,"sentiment":"neutral","sentiment_score":-0.028296690434217453},{"text":"Oh, wow.","start":190.025,"end":190.765,"sentiment":"neutral","sentiment_score":0.014148237183690071},{"text":"Right.","start":200.13,"end":200.29001,"sentiment":"neutral","sentiment_score":0.024378718808293343},{"text":"Okay.","start":200.29001,"end":200.79001,"sentiment":"neutral","sentiment_score":0.04282747209072113}],"sentiment":"neutral","sentiment_score":0.010817679343745112,"num_words":6,"start":180.49,"end":200.79001},{"sentences":[{"text":"Yep.","start":200.93001,"end":201.43001,"sentiment":"neutral","sentiment_score":0.06109976768493652},{"text":"Okay.","start":210.865,"end":211.345,"sentiment":"neutral","sentiment_score":0.08255557715892792},{"text":"No worries.","start":211.345,"end":211.825,"sentiment":"neutral","sentiment_score":0.08237503096461296},{"text":"So it was serviced it was sort of put through servicing wise as an investment to be able to generate income as part of the servicing.","start":211.825,"end":218.565,"sentiment":"neutral","sentiment_score":0.10982986253041488},{"text":"That makes sense.","start":218.98001,"end":220.02,"sentiment":"neutral","sentiment_score":0.1635600427786509}],"sentiment":"neutral","sentiment_score":0.11074733214847969,"num_words":33,"start":200.93001,"end":220.02},{"sentences":[{"text":"Yeah.","start":220.02,"end":220.26001,"sentiment":"neutral","sentiment_score":0.21988758444786072},{"text":"That's okay.","start":220.26001,"end":221.08,"sentiment":"neutral","sentiment_score":0.2672836184501648},{"text":"And, I mean, even with the changes, you can still look to buy a property.","start":221.14001,"end":224.1,"sentiment":"neutral","sentiment_score":0.1751086915532748},{"text":"It's just that to be able to negatively gear, it does have to be an off the plan or a brand new property depending on sort of what you what the, you know, the whole servicing looks like.","start":224.1,"end":237.195,"sentiment":"neutral","sentiment_score":-0.09415908589174873},{"text":"You could still buy a preexisting property.","start":237.195,"end":239.35501,"sentiment":"neutral","sentiment_score":-0.010330492364508765}],"sentiment":"neutral","sentiment_score":-0.004274182790328586,"num_words":63,"start":220.02,"end":239.35501},{"sentences":[{"text":"It's just that you can't negatively get a property.","start":239.35501,"end":241.27501,"sentiment":"neutral","sentiment_score":-0.020108638745215204},{"text":"You'll get the benefits in negative gearing with the new legislation going through.","start":241.27501,"end":245.27501,"sentiment":"neutral","sentiment_score":0.14122556092647406},{"text":"If you don't buy it off the plan or a property being built, essentially, you buy a preexisting property, you just can't claim that negative gearing.","start":245.27501,"end":253.76001,"sentiment":"neutral","sentiment_score":-0.05956274579064204},{"text":"The losses essentially carry forward and can be used to offset gains in the future.","start":253.76001,"end":258.08002,"sentiment":"neutral","sentiment_score":0.0012368919948736827},{"text":"So if you sold that property down the track and you made a gain, you could essentially offset the gain with some of the, you know, the loss that had been carried forward.","start":258.08002,"end":266.885,"sentiment":"neutral","sentiment_score":0.10177936088858229}],"sentiment":"neutral","sentiment_score":0.03628745252111306,"num_words":96,"start":239.35501,"end":266.885},{"sentences":[{"text":"Or if the property was positively geared down the track, you could kinda offset it that way as well.","start":267.345,"end":271.905,"sentiment":"neutral","sentiment_score":0.18945337204556717},{"text":"So it doesn't anyway stop you from investing in property.","start":271.905,"end":275.825,"sentiment":"neutral","sentiment_score":0.04138707220554352},{"text":"It just changes the way we have to do it as investors.","start":275.825,"end":278.69,"sentiment":"neutral","sentiment_score":0.0769165155167381},{"text":"That's all.","start":278.83,"end":279.65,"sentiment":"neutral","sentiment_score":0.07500350475311279},{"text":"But, yeah, it might still be worth looking at.","start":280.34998,"end":282.93,"sentiment":"neutral","sentiment_score":0.09214881310860315}],"sentiment":"neutral","sentiment_score":0.11376594816549467,"num_words":52,"start":267.345,"end":282.93},{"sentences":[{"text":"Okay.","start":298.525,"end":299.025,"sentiment":"neutral","sentiment_score":0.04430631548166275},{"text":"Yep.","start":303.9,"end":304.4,"sentiment":"neutral","sentiment_score":0.02263900265097618},{"text":"Yeah.","start":306.86,"end":307.18,"sentiment":"neutral","sentiment_score":0.15484119951725006},{"text":"That's absolutely fine.","start":307.18,"end":308.69998,"sentiment":"neutral","sentiment_score":0.302075852950414},{"text":"Not a problem at all.","start":308.69998,"end":309.81998,"sentiment":"neutral","sentiment_score":0.27244431972503663}],"sentiment":"neutral","sentiment_score":0.22638506137511946,"num_words":11,"start":298.525,"end":309.81998},{"sentences":[{"text":"Well, I mean, we do provide advice on investments in other areas.","start":309.81998,"end":312.855,"sentiment":"neutral","sentiment_score":0.22354772811134657},{"text":"So if you did wanna look at those with the areas, come and have a chat to us.","start":312.855,"end":315.895,"sentiment":"neutral","sentiment_score":0.2240858715441492},{"text":"We're licensed advisers and can certainly look at helping you.","start":315.895,"end":318.775,"sentiment":"positive","sentiment_score":0.3456431269645691},{"text":"Okay?","start":318.775,"end":319.275,"sentiment":"neutral","sentiment_score":0.31454068422317505},{"text":"Excellent.","start":321.335,"end":321.835,"sentiment":"positive","sentiment_score":0.6095364093780518}],"sentiment":"neutral","sentiment_score":0.26420539972328005,"num_words":42,"start":309.81998,"end":321.835},{"sentences":[{"text":"Other than that, additional goals I've got here is that you were looking says that you're focusing on on new family dynamic and starting a new job.","start":323.335,"end":332.0,"sentiment":"neutral","sentiment_score":0.15129413876544545},{"text":"Is that something that you just had down the track?","start":332.0,"end":333.76,"sentiment":"neutral","sentiment_score":0.0009355911053717137},{"text":"Are you still sort of looking to pick up more work down the track?","start":333.76,"end":336.97998,"sentiment":"neutral","sentiment_score":-0.014675308418061053},{"text":"Yeah.","start":339.855,"end":340.295,"sentiment":"neutral","sentiment_score":0.019762003794312477},{"text":"Of course.","start":340.295,"end":341.23502,"sentiment":"neutral","sentiment_score":-0.03937557339668274}],"sentiment":"neutral","sentiment_score":0.07092322586794142,"num_words":54,"start":323.335,"end":341.23502},{"sentences":[{"text":"Yep.","start":349.45502,"end":349.95502,"sentiment":"neutral","sentiment_score":0.015726987272500992},{"text":"Yep.","start":350.095,"end":350.595,"sentiment":"neutral","sentiment_score":0.016734529286623},{"text":"Well, another one of the goals here I had back a while ago was that you were looking at maybe buying commercial property.","start":350.815,"end":356.21002,"sentiment":"neutral","sentiment_score":0.011145832867402098},{"text":"Are you still considering maybe commercial property?","start":356.21002,"end":358.53,"sentiment":"neutral","sentiment_score":0.007678035513630935},{"text":"Or Okay.","start":358.53,"end":366.485,"sentiment":"neutral","sentiment_score":-0.014079670421779156}],"sentiment":"neutral","sentiment_score":0.009247134713565601,"num_words":34,"start":349.45502,"end":366.485},{"sentences":[{"text":"Yeah.","start":373.505,"end":374.005,"sentiment":"neutral","sentiment_score":-0.21498194336891177},{"text":"Yeah.","start":381.68002,"end":381.92,"sentiment":"neutral","sentiment_score":-0.09855668246746065},{"text":"Absolutely.","start":381.92,"end":382.42,"sentiment":"neutral","sentiment_score":-0.222686305642128},{"text":"Yeah.","start":383.84,"end":384.24002,"sentiment":"neutral","sentiment_score":-0.09391787648200987},{"text":"No.","start":384.24002,"end":384.56,"sentiment":"neutral","sentiment_score":-0.12731198966503143}],"sentiment":"neutral","sentiment_score":-0.15149095952510833,"num_words":5,"start":373.505,"end":384.56},{"sentences":[{"text":"Absolutely.","start":384.56,"end":385.06,"sentiment":"neutral","sentiment_score":-0.05220190808176994},{"text":"Absolutely.","start":385.6,"end":386.1,"sentiment":"neutral","sentiment_score":0.00010044127702713011},{"text":"All good.","start":387.2,"end":388.02002,"sentiment":"neutral","sentiment_score":0.18365681171417236},{"text":"Yes.","start":392.335,"end":392.835,"sentiment":"neutral","sentiment_score":-0.07512900978326797},{"text":"Yeah.","start":398.41498,"end":398.91498,"sentiment":"neutral","sentiment_score":-0.0522783137857914}],"sentiment":"neutral","sentiment_score":0.031300805509090424,"num_words":6,"start":384.56,"end":398.91498},{"sentences":[{"text":"Absolutely.","start":400.57498,"end":401.07498,"sentiment":"neutral","sentiment_score":-0.00532802939414978},{"text":"No.","start":401.375,"end":401.615,"sentiment":"neutral","sentiment_score":-0.04082433506846428},{"text":"Completely understandable.","start":401.615,"end":402.755,"sentiment":"neutral","sentiment_score":-0.005687818513251841},{"text":"All good.","start":403.215,"end":403.955,"sentiment":"neutral","sentiment_score":0.23764483630657196},{"text":"And the last thing I need to run through with you is just a quick risk profile questionnaire.","start":405.93,"end":409.69,"sentiment":"neutral","sentiment_score":0.0018715597689151764}],"sentiment":"neutral","sentiment_score":0.018810406123520806,"num_words":24,"start":400.57498,"end":409.69},{"sentences":[{"text":"So I've been able to answer most of the questions here, but when it comes to you so far, do you consider yourself willing to or wanting to take on the highest level of risk to get the best returns you can, a moderate or medium amount of risk for the best returns you can, or do you consider yourself not wanting to take on any risk and exceeding lower returns?","start":409.69,"end":427.745,"sentiment":"neutral","sentiment_score":-0.0721805332569589},{"text":"Where do you sort sort of see yourself sitting?","start":427.805,"end":430.145,"sentiment":"neutral","sentiment_score":-0.06171307174695863},{"text":"Yeah.","start":436.30002,"end":436.80002,"sentiment":"neutral","sentiment_score":-0.05260671675205231},{"text":"Yep.","start":440.62,"end":441.12,"sentiment":"neutral","sentiment_score":-0.13533872365951538},{"text":"Yes.","start":444.315,"end":444.815,"sentiment":"neutral","sentiment_score":-0.0003809109330177307}],"sentiment":"neutral","sentiment_score":-0.07070556455796742,"num_words":83,"start":409.69,"end":444.815},{"sentences":[{"text":"Yes.","start":447.675,"end":448.175,"sentiment":"neutral","sentiment_score":0.13320320844650269},{"text":"Yeah.","start":448.315,"end":448.63498,"sentiment":"neutral","sentiment_score":0.1217835545539856},{"text":"Correct.","start":448.63498,"end":449.115,"sentiment":"neutral","sentiment_score":0.15858495235443115},{"text":"Yes.","start":449.115,"end":449.435,"sentiment":"neutral","sentiment_score":0.11482176184654236},{"text":"You're in a growth portfolio, which if you consider, say, the risk level out of about five, you'd be sitting at about a three.","start":449.435,"end":455.53497,"sentiment":"neutral","sentiment_score":0.027399449104753632}],"sentiment":"neutral","sentiment_score":0.04235643770412675,"num_words":28,"start":447.675,"end":455.53497},{"sentences":[{"text":"Yes.","start":463.96002,"end":464.46002,"sentiment":"neutral","sentiment_score":0.07214921712875366},{"text":"Look.","start":464.68002,"end":465.18002,"sentiment":"neutral","sentiment_score":0.109976664185524},{"text":"I mean yeah.","start":465.56003,"end":467.66,"sentiment":"neutral","sentiment_score":0.22019270559151968},{"text":"I mean, you don't have to go on the highest level of risk if you wanted to.","start":467.94498,"end":472.26498,"sentiment":"neutral","sentiment_score":0.061490221496890575},{"text":"So from that growth portfolio, you can increase the risk level by 10% that takes you into the high growth environment.","start":472.26498,"end":478.285,"sentiment":"neutral","sentiment_score":0.2166259671960558}],"sentiment":"neutral","sentiment_score":0.14970193196867787,"num_words":43,"start":463.96002,"end":478.285},{"sentences":[{"text":"That increases your growth asset exposure.","start":479.065,"end":481.405,"sentiment":"neutral","sentiment_score":0.19141374031702676},{"text":"So that's things like Australian shares, international shares, listed property, and commodities by about 10%.","start":481.465,"end":487.4,"sentiment":"neutral","sentiment_score":0.15119134038686752},{"text":"So we go to 90% invested there.","start":487.4,"end":489.74002,"sentiment":"neutral","sentiment_score":0.1070804585303579},{"text":"Those sorts of investments can and do get greater returns over the longer term, but you do expect a negative return every so often.","start":489.96002,"end":498.445,"sentiment":"neutral","sentiment_score":-0.15416292753070593},{"text":"So you do see the dips as your balance increases.","start":498.445,"end":501.265,"sentiment":"negative","sentiment_score":-0.47784421741962435}],"sentiment":"neutral","sentiment_score":-0.06955543028250817,"num_words":62,"start":479.065,"end":501.265},{"sentences":[{"text":"You do feel those changes more.","start":501.325,"end":503.265,"sentiment":"negative","sentiment_score":-0.3489423741896947},{"text":"But with your age, you're 45.","start":503.805,"end":505.565,"sentiment":"neutral","sentiment_score":-0.1391285558541616},{"text":"You can't access super to 60.","start":505.565,"end":507.42502,"sentiment":"neutral","sentiment_score":-0.23092161615689596},{"text":"You could maybe step it up a little bit to kind of help with the new with the contributions going in, and then we just reevaluate it in twelve months.","start":507.64502,"end":515.88,"sentiment":"neutral","sentiment_score":-0.04594748889406522},{"text":"Did you wanna look at doing that and see what it can help with?","start":515.88,"end":518.94,"sentiment":"neutral","sentiment_score":0.13508392311632633}],"sentiment":"neutral","sentiment_score":-0.06130975839351454,"num_words":62,"start":501.325,"end":518.94},{"sentences":[{"text":"On the upside, it's only increasing the exposure by 10.","start":525.735,"end":529.41504,"sentiment":"neutral","sentiment_score":0.032129572331905366},{"text":"So you're not going, you know, hell for leather essentially.","start":529.41504,"end":532.795,"sentiment":"neutral","sentiment_score":-0.07124201357364654},{"text":"You when you look at it out of five, you're at a three at the moment.","start":533.335,"end":536.375,"sentiment":"neutral","sentiment_score":0.014679945772513747},{"text":"Taking to high growth kinda puts you in a range of about four.","start":536.375,"end":539.34,"sentiment":"neutral","sentiment_score":0.10222278592678216},{"text":"If you were to go fully aggressive, that's where you see all invested in those growth assets.","start":539.34,"end":544.32,"sentiment":"neutral","sentiment_score":0.13974431639208512}],"sentiment":"neutral","sentiment_score":0.053762186600854904,"num_words":66,"start":525.735,"end":544.32},{"sentences":[{"text":"That doesn't sound like you're in that kind of spot at the moment.","start":544.78,"end":547.58,"sentiment":"neutral","sentiment_score":0.027318931399629667},{"text":"So you could definitely have a look at going into the high growth for a little bit longer.","start":547.58,"end":551.5,"sentiment":"neutral","sentiment_score":0.30708421021699905},{"text":"For your age, you'd say high growth is absolutely fine.","start":551.5,"end":555.485,"sentiment":"neutral","sentiment_score":0.24924555160105227},{"text":"You generally with this sort of a high growth environment, we're looking to try and obtain returns on a yearly basis compounded of about eight to 10%, and we could expect the likelihood of a negative return around about one in every five years.","start":556.105,"end":569.245,"sentiment":"neutral","sentiment_score":-0.29359320449558174},{"text":"And the high growth environment through someone who's not accessing their money for another eight years.","start":569.87,"end":574.93,"sentiment":"neutral","sentiment_score":-0.3178145084530115}],"sentiment":"neutral","sentiment_score":-0.09532688836576325,"num_words":101,"start":544.78,"end":574.93},{"sentences":[{"text":"So if you wanted to step it up a little bit, that's absolutely fine.","start":575.31,"end":578.43,"sentiment":"neutral","sentiment_score":-0.2647551085267748},{"text":"I can show you that as part of the advice, and then you can always tell me if you're not comfortable.","start":578.43,"end":582.52997,"sentiment":"neutral","sentiment_score":-0.3317647420224689},{"text":"Yeah.","start":586.72504,"end":586.965,"sentiment":"neutral","sentiment_score":0.2596244812011719},{"text":"Beautiful.","start":586.965,"end":587.465,"sentiment":"positive","sentiment_score":0.4664645791053772},{"text":"In the appendices, if you wanted, I could show you the same projection table, but with the growth portfolio.","start":587.525,"end":593.065,"sentiment":"neutral","sentiment_score":0.1662858383435952}],"sentiment":"neutral","sentiment_score":-0.12121626987521138,"num_words":56,"start":575.31,"end":593.065},{"sentences":[{"text":"So it shows you the outcome based on your current portfolio, the recommended in the growth environment, but then as part of the advice, we can show you the high growth.","start":593.84503,"end":602.92,"sentiment":"neutral","sentiment_score":0.14935354119346989},{"text":"So you can see both, and you can sort of see what we're recommending, high growth versus just that kind of the same kind of environment you're in now in the appendices as as a comparison.","start":602.92,"end":612.405,"sentiment":"neutral","sentiment_score":0.1001032233859102},{"text":"Did you want me to do both?","start":612.625,"end":614.005,"sentiment":"neutral","sentiment_score":0.02601018707667078},{"text":"Yeah.","start":616.22504,"end":616.705,"sentiment":"neutral","sentiment_score":0.1864708662033081},{"text":"Absolutely.","start":616.705,"end":617.205,"sentiment":"positive","sentiment_score":0.36023813486099243}],"sentiment":"neutral","sentiment_score":0.11792705433541223,"num_words":76,"start":593.84503,"end":617.205},{"sentences":[{"text":"Perfect.","start":617.825,"end":618.325,"sentiment":"positive","sentiment_score":0.4237936735153198},{"text":"Another question I have here is just out of and I know you sort of said you did think about going into the lower risk earlier this year with what was Trump was doing.","start":619.185,"end":627.4,"sentiment":"neutral","sentiment_score":-0.0452930802369819},{"text":"But in the next, say, one to two years, if the portfolio dropped by 20%, so we had a very big market dip, would you be, a, wanting to put more money in?","start":627.4,"end":636.84,"sentiment":"neutral","sentiment_score":-0.11635785956274379},{"text":"It could be a buying opportunity.","start":636.84,"end":638.3,"sentiment":"neutral","sentiment_score":0.02470781033237775},{"text":"Are you more likely to hold and wait and maybe call us, or are you feeling nervous and wanting to sell the investment?","start":638.44,"end":644.115,"sentiment":"neutral","sentiment_score":-0.11320318135878314}],"sentiment":"neutral","sentiment_score":-0.07640625494196243,"num_words":97,"start":617.825,"end":644.115},{"sentences":[{"text":"How do you think you might be feeling?","start":644.175,"end":645.795,"sentiment":"neutral","sentiment_score":-0.04996657790616155},{"text":"Yes.","start":650.175,"end":650.675,"sentiment":"neutral","sentiment_score":0.20146045088768005},{"text":"That's nice as I say.","start":650.735,"end":651.95496,"sentiment":"positive","sentiment_score":0.4244837164878845},{"text":"Is that the yeah.","start":654.89496,"end":661.6,"sentiment":"neutral","sentiment_score":0.08518065884709358},{"text":"Abs absolutely.","start":661.74,"end":664.56,"sentiment":"neutral","sentiment_score":0.25892841070890427}],"sentiment":"neutral","sentiment_score":0.13913629334419966,"num_words":20,"start":644.175,"end":664.56},{"sentences":[{"text":"Perfect.","start":664.86,"end":665.36,"sentiment":"positive","sentiment_score":0.6747443675994873},{"text":"And when you see those drops occur in the market, do you get excited thinking it's an investment opportunity, feeling a bit optimistic?","start":665.89996,"end":672.415,"sentiment":"neutral","sentiment_score":0.2675101452547571},{"text":"Are you feeling cautious, anxious, or concerned?","start":673.195,"end":675.775,"sentiment":"neutral","sentiment_score":-0.07452027606112617},{"text":"How do you think you're feeling in those scenarios?","start":675.995,"end":677.935,"sentiment":"neutral","sentiment_score":0.01347589823934767},{"text":"No.","start":686.17004,"end":686.57,"sentiment":"neutral","sentiment_score":0.026878077536821365}],"sentiment":"neutral","sentiment_score":0.15741455945663335,"num_words":41,"start":664.86,"end":686.57},{"sentences":[{"text":"All good.","start":686.57,"end":687.13,"sentiment":"neutral","sentiment_score":0.1755564659833908},{"text":"You think VOC is an investment opportunity, maybe a bit optimistic for the time being?","start":687.13,"end":691.39,"sentiment":"neutral","sentiment_score":0.20707225501537324},{"text":"Put some more money in?","start":691.69,"end":693.07,"sentiment":"neutral","sentiment_score":0.011086065694689751},{"text":"No.","start":698.105,"end":698.58496,"sentiment":"neutral","sentiment_score":0.04094954580068588},{"text":"All good.","start":698.58496,"end":699.245,"sentiment":"neutral","sentiment_score":0.2753533571958542}],"sentiment":"neutral","sentiment_score":0.16417133383452892,"num_words":25,"start":686.57,"end":699.245},{"sentences":[{"text":"All good.","start":699.94495,"end":700.845,"sentiment":"positive","sentiment_score":0.3558614253997803},{"text":"Perfect.","start":701.38495,"end":701.88495,"sentiment":"positive","sentiment_score":0.4334546625614166},{"text":"And the last one here is, have you ever thought about borrowing money to in order to invest in shares or managed funds, or do you feel like it's very risky and would only ever borrow money for safe property?","start":702.26495,"end":712.49,"sentiment":"neutral","sentiment_score":-0.03831940609961748},{"text":"Yeah.","start":728.96497,"end":729.46497,"sentiment":"neutral","sentiment_score":0.010497271083295344},{"text":"Yeah.","start":730.98,"end":731.48,"sentiment":"neutral","sentiment_score":0.007678580470383167}],"sentiment":"neutral","sentiment_score":-0.008209397312667635,"num_words":45,"start":699.94495,"end":731.48},{"sentences":[{"text":"Yeah.","start":732.42,"end":732.92,"sentiment":"neutral","sentiment_score":-0.012626438401639462},{"text":"Yeah.","start":735.38,"end":735.88,"sentiment":"neutral","sentiment_score":-0.020916488021612167},{"text":"Yeah.","start":737.94,"end":738.44,"sentiment":"neutral","sentiment_score":-0.0022368538193404675},{"text":"On the mortgage.","start":742.42,"end":743.32,"sentiment":"neutral","sentiment_score":0.006697703463335832},{"text":"Yeah.","start":744.95496,"end":745.45496,"sentiment":"neutral","sentiment_score":0.019457798451185223}],"sentiment":"neutral","sentiment_score":0.0005387326569429461,"num_words":7,"start":732.42,"end":745.45496},{"sentences":[{"text":"Yeah.","start":746.71497,"end":747.21497,"sentiment":"neutral","sentiment_score":0.007945172488689423},{"text":"Absolutely.","start":749.51495,"end":749.995,"sentiment":"neutral","sentiment_score":0.13862140476703644},{"text":"No.","start":749.995,"end":750.31494,"sentiment":"neutral","sentiment_score":0.16195333003997803},{"text":"Not a problem at all.","start":750.31494,"end":751.435,"sentiment":"neutral","sentiment_score":0.25606598854064944},{"text":"That's easy.","start":751.435,"end":752.39496,"sentiment":"positive","sentiment_score":0.35339319705963135}],"sentiment":"neutral","sentiment_score":0.22956362441182138,"num_words":10,"start":746.71497,"end":752.39496},{"sentences":[{"text":"Excellent.","start":752.39496,"end":752.89496,"sentiment":"positive","sentiment_score":0.5451520681381226},{"text":"Now going through that one, and thank you for answering those questions.","start":753.51495,"end":756.71497,"sentiment":"positive","sentiment_score":0.4519992892940839},{"text":"Now you have scored in that high growth environment So, obviously, you said you would like to, you know, look at maybe increasing your exposure for the next twelve months.","start":756.71497,"end":765.2,"sentiment":"neutral","sentiment_score":0.10830372671286265},{"text":"Are you comfortable with me, obviously, just doing the advice, making those recommendations and the changes?","start":765.42,"end":770.08,"sentiment":"neutral","sentiment_score":0.12174613727256656},{"text":"I can show you the high growth portfolio.","start":770.22,"end":772.08,"sentiment":"neutral","sentiment_score":0.1438280208967626}],"sentiment":"neutral","sentiment_score":0.18383310006848022,"num_words":67,"start":752.39496,"end":772.08},{"sentences":[{"text":"At the end of the day, Kieran, the advice is just our recommendations.","start":772.745,"end":775.805,"sentiment":"neutral","sentiment_score":0.07745017999639878},{"text":"You have the option to take all of it, some of it, or none of it.","start":776.02496,"end":779.005,"sentiment":"neutral","sentiment_score":0.07050688797608018},{"text":"As I said, I can show you the growth portfolio in the appendices as a comparison for you, and then we recommend you go into high growth, and we can look at adjusting your portfolio to reflect that and add some contributions in.","start":779.14496,"end":791.36,"sentiment":"neutral","sentiment_score":0.10780655713968498},{"text":"Does that sound okay?","start":791.36,"end":792.5,"sentiment":"neutral","sentiment_score":0.1217424850910902},{"text":"Beautiful.","start":795.04,"end":795.54,"sentiment":"positive","sentiment_score":0.6852920055389404}],"sentiment":"neutral","sentiment_score":0.10315462922701588,"num_words":77,"start":772.745,"end":795.54},{"sentences":[{"text":"Fantastic.","start":795.75995,"end":796.25995,"sentiment":"positive","sentiment_score":0.6715260744094849},{"text":"Well, look.","start":797.04,"end":797.44,"sentiment":"positive","sentiment_score":0.3414449691772461},{"text":"That's basically everything I needed to go through.","start":797.44,"end":799.83997,"sentiment":"neutral","sentiment_score":0.22068790718913078},{"text":"As I kinda mentioned before, I have sent through the annual review pack to you.","start":800.07996,"end":803.335,"sentiment":"neutral","sentiment_score":0.1276684711376826},{"text":"It does have the ongoing service agreement in it.","start":803.335,"end":806.375,"sentiment":"neutral","sentiment_score":0.11436108334196939}],"sentiment":"neutral","sentiment_score":0.17326274535485675,"num_words":35,"start":795.75995,"end":806.375},{"sentences":[{"text":"So for us to continue looking after things, providing advice, and helping look after your super, we do charge a service fee of 1.65 percent per annum.","start":806.375,"end":814.715,"sentiment":"neutral","sentiment_score":0.1573671450217565},{"text":"That is deducted out of your super full monthly increments.","start":815.095,"end":817.975,"sentiment":"neutral","sentiment_score":0.15538037344813346},{"text":"So we wanna make sure things continue to work harder for you, that your super makes at 1.65%, and then, obviously, additional growth on top of that to keep compounding forward.","start":817.975,"end":826.92,"sentiment":"neutral","sentiment_score":0.22479107591413683},{"text":"Do you have any questions about the ongoing service agreement, the fees that we charge, or and or our services at all?","start":827.78,"end":834.12,"sentiment":"neutral","sentiment_score":0.034265136176889595},{"text":"Thank you.","start":843.185,"end":843.665,"sentiment":"positive","sentiment_score":0.45866523683071136}],"sentiment":"neutral","sentiment_score":0.15698264644521734,"num_words":92,"start":806.375,"end":843.665},{"sentences":[{"text":"Well, I'll do everything I can to help make sure that continues moving forward for you.","start":843.665,"end":848.40497,"sentiment":"positive","sentiment_score":0.4653298892080784},{"text":"That's okay.","start":850.82996,"end":851.64996,"sentiment":"neutral","sentiment_score":0.20681218802928925},{"text":"I was attach sorry.","start":851.87,"end":852.91,"sentiment":"neutral","sentiment_score":0.014844285789877176},{"text":"Attached to that docuser, and you've also got the documents that I've gone through with your insurances, your superannuation balances, and the breakdown of the hub twenty four account with the investment returns just so you can see the documents I've gone through.","start":852.91,"end":863.41,"sentiment":"neutral","sentiment_score":0.13761555212874746},{"text":"And it does also have our own our financial services guide attached, which outlines all the me has a lovely picture of me in there for you and all of my licensing information as a licensed adviser for you.","start":865.685,"end":877.045,"sentiment":"neutral","sentiment_score":0.23803448562438673}],"sentiment":"neutral","sentiment_score":0.22229897526379389,"num_words":104,"start":843.665,"end":877.045},{"sentences":[{"text":"Okay?","start":877.045,"end":877.545,"sentiment":"neutral","sentiment_score":0.1492442786693573},{"text":"Easy.","start":879.44,"end":879.94,"sentiment":"positive","sentiment_score":0.3607250154018402},{"text":"Have a look at those documents.","start":880.0,"end":881.12,"sentiment":"neutral","sentiment_score":0.22188469767570496},{"text":"Let me know if you do have any questions.","start":881.12,"end":882.72,"sentiment":"neutral","sentiment_score":0.202363397512171},{"text":"I'll get you to sign and return them back at your earliest opportunity there, and I'll go forward and do some research for you in the next couple of weeks with regard to the advice, and I'll just get my team member to give you a call next week just to reconfirm your income for the last financial year.","start":882.72,"end":898.363,"sentiment":"positive","sentiment_score":0.341847594511711}],"sentiment":"neutral","sentiment_score":0.31357310702534097,"num_words":76,"start":877.045,"end":898.363},{"sentences":[{"text":"Do you know what day you're doing your tax 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I got you. I know. I've been waiting for some dropping out with them. Yep. Yeah. All good. Yes. I do. Yeah. It's a Ford Ranger. That's worth probably around probably around maybe $13,000 maybe now. $620 a week. Probably, I suppose, maybe 20,000. Yeah. Maybe around 10 maybe around $5,000 worth of two. Is this supposed to be enough? Tax resident. As in, like well, I haven't lived in Ireland in twenty years. Yeah. Yeah. I just sold myself into into into contractors, into builders. And it's still it's still no car number. It's just an Avian. It's not a PT Boy. Yep. You told you too long. I'm trying to plan on and I wouldn't mind investing. I was hoping to get a property, but they I can't Just before all the laws got changed with negative gearing in that, the bank had agreed to give me 700,000. But then they changed their mind. Because I I couldn't live in, so it had to be an investment property. So so whatever way the they were working it out or whatever way it was, they said I can do it, but it has to be an investment for the $700 a week return on it also. Yes. Yeah. I'm like, I'm I'm I I I it's it's it's it's it's it's since since then, I've also had maybe a bit more of a business opportunity to come up to maybe go go have some jobs with a contractor. You know, I do a lot of work first. So I'm just trying to see how that pans out before I lock my cash and pay anything at the minute. So Yeah. Yeah. But I'm I'm forever trying to trying to find a better way to make money or or or or just make more but doing less, I suppose, is probably the better way of putting this. And commercial pro at that time, I was actually building commercial properties. And but I've seen some of the downsides of having the commercial property. I don't think I could afford to, like, cover costs while waiting for something to rent this or this or that. I think it could be a bit too much of a stretch. So I was able I was able to get the I was able to get the good price on the property, but I I just I I just like, I I couldn't cover the cost monthly cost, but it was over here. I I've always been in two minds about this, but I thought when Trump got into power, I thought those I should be low risk, but it seems to have just gone the the other way. So I might try I think I'm in the medium at the minute, aren't I? Yeah. Yeah. I I I kinda I kinda I wouldn't mind to kind of just go for the risky one for for for for a year, see how it goes there. Yeah. Sure. Go on. Let's let's let's live a little. Yeah. No. Sure. Sure. That's better than price. Yeah. Two. Yeah. That that'd be great if you could. Yeah? Oh, you're meant to buy one of the glow oranges? I I think that's I I think I'd be yeah. I think I'd I think, yeah, probably buy when it's low, to be honest with you, probably be the way to go about it. Yeah. Oh, sure. Me now to get on stage. Yeah. Yeah. Yeah. I'd say so. 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I got you. I know. I've been waiting for some dropping out with them. Yep.\n\nYeah. All good. Yes. I do. Yeah.\n\nIt's a Ford Ranger. That's worth probably around probably around maybe $13,000 maybe now. $620 a week. Probably, I suppose, maybe 20,000. Yeah.\n\nMaybe around 10 maybe around $5,000 worth of two. Is this supposed to be enough? Tax resident. As in, like well, I haven't lived in Ireland in twenty years. Yeah.\n\nYeah. I just sold myself into into into contractors, into builders. And it's still it's still no car number. It's just an Avian. It's not a PT Boy.\n\nYep. You told you too long. I'm trying to plan on and I wouldn't mind investing. I was hoping to get a property, but they I can't Just before all the laws got changed with negative gearing in that, the bank had agreed to give me 700,000. But then they changed their mind.\n\nBecause I I couldn't live in, so it had to be an investment property. So so whatever way the they were working it out or whatever way it was, they said I can do it, but it has to be an investment for the $700 a week return on it also. Yes. Yeah. I'm like, I'm I'm I I I it's it's it's it's it's it's since since then, I've also had maybe a bit more of a business opportunity to come up to maybe go go have some jobs with a contractor.\n\nYou know, I do a lot of work first. So I'm just trying to see how that pans out before I lock my cash and pay anything at the minute. So Yeah. Yeah. But I'm I'm forever trying to trying to find a better way to make money or or or or just make more but doing less, I suppose, is probably the better way of putting this.\n\nAnd commercial pro at that time, I was actually building commercial properties. And but I've seen some of the downsides of having the commercial property. I don't think I could afford to, like, cover costs while waiting for something to rent this or this or that. I think it could be a bit too much of a stretch. So I was able I was able to get the I was able to get the good price on the property, but I I just I I just like, I I couldn't cover the cost monthly cost, but it was over here.\n\nI I've always been in two minds about this, but I thought when Trump got into power, I thought those I should be low risk, but it seems to have just gone the the other way. So I might try I think I'm in the medium at the minute, aren't I? Yeah. Yeah. I I I kinda I kinda I wouldn't mind to kind of just go for the risky one for for for for a year, see how it goes there.\n\nYeah. Sure. Go on. Let's let's let's live a little. Yeah.\n\nNo. Sure. Sure. That's better than price. Yeah.\n\nTwo. Yeah. That that'd be great if you could. Yeah? Oh, you're meant to buy one of the glow oranges?\n\nI I think that's I I think I'd be yeah. I think I'd I think, yeah, probably buy when it's low, to be honest with you, probably be the way to go about it. Yeah. Oh, sure. Me now to get on stage.\n\nYeah. Yeah. Yeah. I'd say so. I I I suppose it comes out about the interest rate as we're really to us.\n\nIt's they get like, if you could tell me I'm getting 8.5% back at the minute in return and interest rates were eight percent. It's not just like it you know, I would I would see it as a gam. It's like it's just property isn't good enough. But if interest rates were 22% and I'm getting 8% return, 6% is not a bad turnover, if you do know what I mean, if it's when it comes out to the it's figures, I suppose. Yeah.\n\nSounds good. Yep. No. No. To be honest, I'm quite impressed that I have contributed nothing and I'm still making money.\n\nExcellent. Alright. Thank you very much. Excellent.","paragraphs":[{"sentences":[{"text":"Grab you again.","start":3.76,"end":4.66,"sentiment":"neutral","sentiment_score":0.12334927668174107},{"text":"I got you.","start":7.2,"end":7.9199996,"sentiment":"neutral","sentiment_score":0.1571818341811498},{"text":"I know.","start":7.9199996,"end":8.32,"sentiment":"neutral","sentiment_score":0.023336004465818405},{"text":"I've been waiting for some dropping out with them.","start":8.32,"end":10.179999,"sentiment":"neutral","sentiment_score":-0.013017219180862108},{"text":"Yep.","start":13.855,"end":14.355,"sentiment":"neutral","sentiment_score":-0.007809607312083244}],"sentiment":"neutral","sentiment_score":0.04240559786558151,"num_words":18,"start":3.76,"end":14.355},{"sentences":[{"text":"Yeah.","start":26.814999,"end":27.055,"sentiment":"neutral","sentiment_score":0.13581570982933044},{"text":"All good.","start":27.055,"end":27.794998,"sentiment":"positive","sentiment_score":0.348162442445755},{"text":"Yes.","start":34.86,"end":35.18,"sentiment":"neutral","sentiment_score":0.03563356399536133},{"text":"I do.","start":35.18,"end":35.58,"sentiment":"neutral","sentiment_score":0.046271972358226776},{"text":"Yeah.","start":35.58,"end":36.08,"sentiment":"neutral","sentiment_score":0.05493561178445816}],"sentiment":"neutral","sentiment_score":0.14503624503101623,"num_words":7,"start":26.814999,"end":36.08},{"sentences":[{"text":"It's a Ford Ranger.","start":38.940002,"end":41.2,"sentiment":"neutral","sentiment_score":0.02342658257111907},{"text":"That's worth probably around probably around maybe $13,000 maybe now.","start":44.115,"end":48.935,"sentiment":"neutral","sentiment_score":0.17262052968144417},{"text":"$620 a week.","start":55.395,"end":57.27,"sentiment":"neutral","sentiment_score":0.031409852206707},{"text":"Probably, I suppose, maybe 20,000.","start":71.76501,"end":73.705,"sentiment":"neutral","sentiment_score":0.02535090036690235},{"text":"Yeah.","start":75.845,"end":76.345,"sentiment":"neutral","sentiment_score":0.10487689077854156}],"sentiment":"neutral","sentiment_score":0.09329445984052576,"num_words":23,"start":38.940002,"end":76.345},{"sentences":[{"text":"Maybe around 10 maybe around $5,000 worth of two.","start":84.600006,"end":87.240005,"sentiment":"neutral","sentiment_score":0.022824802953335974},{"text":"Is this supposed to be enough?","start":87.240005,"end":88.380005,"sentiment":"neutral","sentiment_score":0.04100644960999489},{"text":"Tax resident.","start":110.84,"end":111.72,"sentiment":"neutral","sentiment_score":0.0010925752576440573},{"text":"As in, like well, I haven't lived in Ireland in twenty years.","start":111.72,"end":114.86,"sentiment":"neutral","sentiment_score":-0.00586631385764728},{"text":"Yeah.","start":129.30501,"end":129.545,"sentiment":"neutral","sentiment_score":-0.011071745306253431}],"sentiment":"neutral","sentiment_score":0.012405985438575347,"num_words":30,"start":84.600006,"end":129.545},{"sentences":[{"text":"Yeah.","start":129.545,"end":129.785,"sentiment":"neutral","sentiment_score":-0.01792478747665882},{"text":"I just sold myself into into into contractors, into builders.","start":129.785,"end":133.88501,"sentiment":"neutral","sentiment_score":-0.04846435766667127},{"text":"And it's still it's still no car number.","start":145.72,"end":147.4,"sentiment":"neutral","sentiment_score":-0.07222616404760629},{"text":"It's just an Avian.","start":147.4,"end":148.12,"sentiment":"neutral","sentiment_score":-0.036496568005532026},{"text":"It's not a PT Boy.","start":148.12,"end":149.34,"sentiment":"neutral","sentiment_score":-0.020564011856913568}],"sentiment":"neutral","sentiment_score":-0.04747085742253278,"num_words":28,"start":129.545,"end":149.34},{"sentences":[{"text":"Yep.","start":153.64,"end":154.14,"sentiment":"neutral","sentiment_score":0.08057339489459991},{"text":"You told you too long.","start":159.925,"end":161.465,"sentiment":"neutral","sentiment_score":0.030561960488557815},{"text":"I'm trying to plan on and I wouldn't mind investing.","start":173.1,"end":178.0,"sentiment":"neutral","sentiment_score":0.09762205667793751},{"text":"I was hoping to get a property, but they I can't Just before all the laws got changed with negative gearing in that, the bank had agreed to give me 700,000.","start":178.14,"end":189.165,"sentiment":"neutral","sentiment_score":-0.07155672538905375},{"text":"But then they changed their mind.","start":192.58499,"end":195.325,"sentiment":"neutral","sentiment_score":-0.09015332348644733}],"sentiment":"neutral","sentiment_score":-0.02923725780872804,"num_words":53,"start":153.64,"end":195.325},{"sentences":[{"text":"Because I I couldn't live in, so it had to be an investment property.","start":196.34,"end":198.92,"sentiment":"neutral","sentiment_score":-0.1131160498729774},{"text":"So so whatever way the they were working it out or whatever way it was, they said I can do it, but it has to be an investment for the $700 a week return on it also.","start":200.5,"end":210.2,"sentiment":"neutral","sentiment_score":0.052920645253883826},{"text":"Yes.","start":219.245,"end":219.745,"sentiment":"neutral","sentiment_score":0.16482603549957275},{"text":"Yeah.","start":283.87,"end":284.27,"sentiment":"neutral","sentiment_score":0.07676542550325394},{"text":"I'm like, I'm I'm I I I it's it's it's it's it's it's since since then, I've also had maybe a bit more of a business opportunity to come up to maybe go go have some jobs with a contractor.","start":284.27,"end":297.405,"sentiment":"neutral","sentiment_score":0.05810575941577554}],"sentiment":"neutral","sentiment_score":0.03161570982586953,"num_words":93,"start":196.34,"end":297.405},{"sentences":[{"text":"You know, I do a lot of work first.","start":298.34497,"end":299.78497,"sentiment":"neutral","sentiment_score":0.03698556890918149},{"text":"So I'm just trying to see how that pans out before I lock my cash and pay anything at the minute.","start":299.78497,"end":306.19998,"sentiment":"neutral","sentiment_score":0.04549581859083403},{"text":"So Yeah.","start":306.41998,"end":331.025,"sentiment":"neutral","sentiment_score":0.08471044152975082},{"text":"Yeah.","start":338.72998,"end":338.97,"sentiment":"neutral","sentiment_score":0.01517283357679844},{"text":"But I'm I'm forever trying to trying to find a better way to make money or or or or just make more but doing less, I suppose, is probably the better way of putting this.","start":338.97,"end":352.325,"sentiment":"neutral","sentiment_score":-0.04409533784325634}],"sentiment":"neutral","sentiment_score":-0.001036188195404761,"num_words":68,"start":298.34497,"end":352.325},{"sentences":[{"text":"And commercial pro at that time, I was actually building commercial properties.","start":360.49,"end":365.22998,"sentiment":"neutral","sentiment_score":-0.0031742932430158057},{"text":"And but I've seen some of the downsides of having the commercial property.","start":366.49,"end":372.99,"sentiment":"neutral","sentiment_score":-0.22865659657579201},{"text":"I don't think I could afford to, like, cover costs while waiting for something to rent this or this or that.","start":373.05,"end":380.73502,"sentiment":"neutral","sentiment_score":-0.2679033946423304},{"text":"I think it could be a bit too much of a stretch.","start":380.73502,"end":383.075,"sentiment":"neutral","sentiment_score":-0.20128026232123375},{"text":"So I was able I was able to get the I was able to get the good price on the property, but I I just I I just like, I I couldn't cover the cost monthly cost, but it was over here.","start":386.89502,"end":399.00998,"sentiment":"neutral","sentiment_score":-0.04563884472563153}],"sentiment":"neutral","sentiment_score":-0.12968793188221753,"num_words":100,"start":360.49,"end":399.00998},{"sentences":[{"text":"I I've always been in two minds about this, but I thought when Trump got into power, I thought those I should be low risk, but it seems to have just gone the the other way.","start":432.245,"end":443.58002,"sentiment":"neutral","sentiment_score":-0.11585488522218333},{"text":"So I might try I think I'm in the medium at the minute, aren't I?","start":443.58002,"end":447.44,"sentiment":"neutral","sentiment_score":-0.02026881482452154},{"text":"Yeah.","start":449.66,"end":450.16,"sentiment":"neutral","sentiment_score":0.07447914034128189},{"text":"Yeah.","start":457.41498,"end":457.7083,"sentiment":"neutral","sentiment_score":0.04921085759997368},{"text":"I I I kinda I kinda I wouldn't mind to kind of just go for the risky one for for for for a year, see how it goes there.","start":457.7083,"end":466.79498,"sentiment":"neutral","sentiment_score":0.1017878878990124}],"sentiment":"neutral","sentiment_score":-0.017064260284802537,"num_words":82,"start":432.245,"end":466.79498},{"sentences":[{"text":"Yeah.","start":520.855,"end":521.335,"sentiment":"neutral","sentiment_score":0.09667082875967026},{"text":"Sure.","start":521.335,"end":521.655,"sentiment":"neutral","sentiment_score":0.14544954895973206},{"text":"Go on.","start":521.655,"end":522.055,"sentiment":"neutral","sentiment_score":0.11532136797904968},{"text":"Let's let's let's live a little.","start":522.055,"end":524.01,"sentiment":"neutral","sentiment_score":0.08362060661117236},{"text":"Yeah.","start":583.54,"end":583.86,"sentiment":"neutral","sentiment_score":-0.1590530276298523}],"sentiment":"neutral","sentiment_score":0.07413033870133487,"num_words":11,"start":520.855,"end":583.86},{"sentences":[{"text":"No.","start":583.86,"end":584.1,"sentiment":"neutral","sentiment_score":-0.1931067407131195},{"text":"Sure.","start":584.1,"end":584.42,"sentiment":"neutral","sentiment_score":-0.04681319743394852},{"text":"Sure.","start":584.42,"end":584.66,"sentiment":"neutral","sentiment_score":0.031983572989702225},{"text":"That's better than price.","start":584.66,"end":585.54,"sentiment":"neutral","sentiment_score":0.07922632619738579},{"text":"Yeah.","start":585.54,"end":586.02,"sentiment":"neutral","sentiment_score":0.1106804683804512}],"sentiment":"neutral","sentiment_score":0.02745617600157857,"num_words":8,"start":583.86,"end":586.02},{"sentences":[{"text":"Two.","start":586.02,"end":586.52,"sentiment":"neutral","sentiment_score":0.12167204916477203},{"text":"Yeah.","start":614.415,"end":614.575,"sentiment":"neutral","sentiment_score":0.13121646642684937},{"text":"That that'd be great if you could.","start":614.575,"end":615.775,"sentiment":"neutral","sentiment_score":0.2818644195795059},{"text":"Yeah?","start":615.775,"end":616.275,"sentiment":"neutral","sentiment_score":0.16514518857002258},{"text":"Oh, you're meant to buy one of the glow oranges?","start":647.34503,"end":649.445,"sentiment":"neutral","sentiment_score":0.0528807386290282}],"sentiment":"neutral","sentiment_score":0.14599460137542336,"num_words":20,"start":586.02,"end":649.445},{"sentences":[{"text":"I I think that's I I think I'd be yeah.","start":654.37,"end":657.81,"sentiment":"neutral","sentiment_score":0.07050578063353896},{"text":"I think I'd I think, yeah, probably buy when it's low, to be honest with you, probably be the way to go about it.","start":657.81,"end":662.37,"sentiment":"neutral","sentiment_score":0.10376047420625885},{"text":"Yeah.","start":662.37,"end":662.87,"sentiment":"positive","sentiment_score":0.3712794780731201},{"text":"Oh, sure.","start":679.395,"end":679.97504,"sentiment":"neutral","sentiment_score":0.07409806549549103},{"text":"Me now to get on stage.","start":681.9,"end":694.32,"sentiment":"neutral","sentiment_score":0.08617524057626724}],"sentiment":"neutral","sentiment_score":0.09841479627458855,"num_words":43,"start":654.37,"end":694.32},{"sentences":[{"text":"Yeah.","start":694.54004,"end":694.78,"sentiment":"neutral","sentiment_score":0.046208105981349945},{"text":"Yeah.","start":694.78,"end":695.02,"sentiment":"neutral","sentiment_score":0.04984593763947487},{"text":"Yeah.","start":695.02,"end":695.34,"sentiment":"neutral","sentiment_score":0.0637744665145874},{"text":"I'd say so.","start":695.34,"end":696.24005,"sentiment":"neutral","sentiment_score":0.06636975333094597},{"text":"I I I suppose it comes out about the interest rate as we're really to us.","start":719.19,"end":722.39,"sentiment":"neutral","sentiment_score":-0.0036786512937396765}],"sentiment":"neutral","sentiment_score":0.013639970428564331,"num_words":22,"start":694.54004,"end":722.39},{"sentences":[{"text":"It's they get like, if you could tell me I'm getting 8.5% back at the minute in return and interest rates were eight percent.","start":722.39,"end":731.685,"sentiment":"neutral","sentiment_score":0.019903198854687314},{"text":"It's not just like it you know, I would I would see it as a gam.","start":731.90497,"end":734.545,"sentiment":"neutral","sentiment_score":-0.008858936314936727},{"text":"It's like it's just property isn't good enough.","start":734.545,"end":737.125,"sentiment":"neutral","sentiment_score":-0.03242704155854881},{"text":"But if interest rates were 22% and I'm getting 8% return, 6% is not a bad turnover, if you do know what I mean, if it's when it comes out to the it's figures, I suppose.","start":737.425,"end":748.28,"sentiment":"neutral","sentiment_score":0.009568008878785703},{"text":"Yeah.","start":793.045,"end":793.285,"sentiment":"neutral","sentiment_score":0.16342371702194214}],"sentiment":"neutral","sentiment_score":0.006875170537215822,"num_words":85,"start":722.39,"end":793.285},{"sentences":[{"text":"Sounds good.","start":793.285,"end":793.845,"sentiment":"positive","sentiment_score":0.38270971179008484},{"text":"Yep.","start":793.845,"end":794.345,"sentiment":"neutral","sentiment_score":0.29553312063217163},{"text":"No.","start":837.09,"end":837.41003,"sentiment":"neutral","sentiment_score":-0.06725478917360306},{"text":"No.","start":837.41003,"end":837.57,"sentiment":"neutral","sentiment_score":-0.10253728926181792},{"text":"To be honest, I'm quite impressed that I have contributed nothing and I'm still making money.","start":837.57,"end":842.765,"sentiment":"neutral","sentiment_score":-0.04959012474864721}],"sentiment":"neutral","sentiment_score":0.004653260466598329,"num_words":21,"start":793.285,"end":842.765},{"sentences":[{"text":"Excellent.","start":848.745,"end":849.225,"sentiment":"positive","sentiment_score":0.4392964839935303},{"text":"Alright.","start":849.225,"end":849.545,"sentiment":"positive","sentiment_score":0.34961456060409546},{"text":"Thank you very much.","start":849.545,"end":850.685,"sentiment":"positive","sentiment_score":0.4979119896888733},{"text":"Excellent.","start":878.025,"end":878.525,"sentiment":"positive","sentiment_score":0.36469727754592896}],"sentiment":"positive","sentiment_score":0.44932232584272114,"num_words":7,"start":848.745,"end":878.525}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Grab you again.\n\nChannel 0: Hi, Karen. I've got your back.\n\nChannel 1: I got you. I know. I've been waiting for some dropping out with them. Yep.\n\nChannel 0: Are you there? I think I lost you again. Oh, I gotcha. Perfect. Sorry about I'm not sure what's going on with the phone.\n\nIt's yeah. Sorry about that. It could be our phone. I'll get someone in IT to have a look at it for you.\n\nChannel 1: Yeah. All good.\n\nChannel 0: All good. I'm sorry. You had a third motor vehicle noted with a value of 20,000. Do you have three motor vehicles at all?\n\nChannel 1: Yes. I do. Yeah.\n\nChannel 0: Yep. Beautiful. And what's the the third vehicle? What kind\n\nChannel 1: It's\n\nChannel 0: of vehicle is it?\n\nChannel 1: a Ford Ranger.\n\nChannel 0: Ford Ranger. Beautiful.\n\nChannel 1: That's worth probably around probably around maybe $13,000 maybe now.\n\nChannel 0: Yep. Beautiful. Fantastic. And then I also had you renting here. How much rent are you paying at the moment?\n\nChannel 1: $620 a week.\n\nChannel 0: Per week. Beautiful. The other things I do like to sort of note down as assets are your contents. Do you happen to have contents insurance, or what sort of value would you put on your contents, do you think?\n\nChannel 1: Probably, I suppose, maybe 20,000.\n\nChannel 0: 20,000? Absolutely\n\nChannel 1: Yeah.\n\nChannel 0: fine. And do you have any other investment shares, cryptocurrency, collections, or tools of trade that you would note down as valuable?\n\nChannel 1: Maybe around 10 maybe around $5,000 worth of two. Is this supposed to be enough?\n\nChannel 0: Yep. Beautiful. So tools and about 5,000. Lovely. Fantastic.\n\nThank you for updating those details. Now we sort of did talk about the estate planning and wills and power of attorney things. I'll send through some information there for you. Are you a tax resident of Ireland or any other country at all?\n\nChannel 1: Tax resident. As in, like well, I haven't lived in Ireland in twenty years.\n\nChannel 0: Beautiful. So the answer would be no. Excellent. That's okay. And just sort of going through now, you're set up as an ABN.\n\nAre you do you have a company? So do you work as your own employee for your company?\n\nChannel 1: Yeah. Yeah. I just sold myself into into into contractors, into builders.\n\nChannel 0: Yeah. Beautiful. Excellent. So subcontract out. Excellent.\n\nI have your company name down as Piran O'Connor Proprietary Limited. Is that kind of how how your sub like, the business you're subcontracting for or what you put on\n\nChannel 1: And\n\nChannel 0: your\n\nChannel 1: it's still\n\nChannel 0: invoices?\n\nChannel 1: it's still no car number. It's just an Avian. It's not a PT Boy.\n\nChannel 0: Okay. No worries. It also just under your name as a sole trader.\n\nChannel 1: Yep.\n\nChannel 0: Yep. That's absolutely fine. Perfect. And you've been in construction for a long time?\n\nChannel 1: You told you too long.\n\nChannel 0: All good. And with the funds in the bank, are you sort of wanting to put that towards buying a property down the track, or what's kind of the the goal with the funds you\n\nChannel 1: I'm trying to plan on and I wouldn't mind investing.\n\nChannel 0: have?\n\nChannel 1: I was hoping to get a property, but they\n\nChannel 0: Yep.\n\nChannel 1: I can't Just before all the laws got changed with negative gearing in that, the bank\n\nChannel 0: Yeah.\n\nChannel 1: had agreed to give me 700,000.\n\nChannel 0: Oh, wow.\n\nChannel 1: But then they changed their mind. Because I I couldn't live in, so it had to be an investment property.\n\nChannel 0: Right. Okay.\n\nChannel 1: So\n\nChannel 0: Yep.\n\nChannel 1: so whatever way the they were working it out or whatever way it was, they said I can do it, but it has to be an investment for the $700 a week return on it also.\n\nChannel 0: Okay. No worries. So it was serviced it was sort of put through servicing wise as an investment to be able to generate income as part of the servicing. That makes\n\nChannel 1: Yes.\n\nChannel 0: sense. Yeah. That's okay. And, I mean, even with the changes, you can still look to buy a property. It's just that to be able to negatively gear, it does have to be an off the plan or a brand new property depending on sort of what you what the, you know, the whole servicing looks like.\n\nYou could still buy a preexisting property. It's just that you can't negatively get a property. You'll get the benefits in negative gearing with the new legislation going through. If you don't buy it off the plan or a property being built, essentially, you buy a preexisting property, you just can't claim that negative gearing. The losses essentially carry forward and can be used to offset gains in the future.\n\nSo if you sold that property down the track and you made a gain, you could essentially offset the gain with some of the, you know, the loss that had been carried forward. Or if the property was positively geared down the track, you could kinda offset it that way as well. So it doesn't anyway stop you from investing in property. It just changes the way we have to do it as investors. That's all.\n\nBut, yeah, it might still be worth looking at.\n\nChannel 1: Yeah. I'm like, I'm I'm I I I it's it's it's it's it's it's since since then, I've also had maybe a bit more of a business opportunity to come up to maybe go go have some jobs with a contractor. You know,\n\nChannel 0: Okay.\n\nChannel 1: I do a lot of work first. So I'm just trying to see how that pans out before I\n\nChannel 0: Yep.\n\nChannel 1: lock my cash and pay anything at the minute. So\n\nChannel 0: Yeah. That's absolutely fine. Not a problem at all. Well, I mean, we do provide advice on investments in other areas. So if you did wanna look at those with the areas, come and have a chat to us.\n\nWe're licensed advisers and can certainly look at helping you. Okay? Excellent. Other than that, additional goals I've got here is that you were looking says that you're focusing on on new family dynamic\n\nChannel 1: Yeah.\n\nChannel 0: and starting a new job. Is that something that you just had down the track? Are you still sort of looking to pick up more work down the track?\n\nChannel 1: Yeah. But I'm\n\nChannel 0: Yeah. Of\n\nChannel 1: I'm forever\n\nChannel 0: course.\n\nChannel 1: trying to trying to find a better way to make money or or or or just make more but doing less, I suppose, is probably the better way\n\nChannel 0: Yep.\n\nChannel 1: of\n\nChannel 0: Yep. Well, another one\n\nChannel 1: putting\n\nChannel 0: of the goals\n\nChannel 1: this.\n\nChannel 0: here I had back a while ago was that you were looking at maybe buying commercial property. Are you still considering maybe commercial property? Or\n\nChannel 1: And commercial pro at that time, I was actually building commercial properties.\n\nChannel 0: Okay.\n\nChannel 1: And but I've seen some of the downsides of having the commercial property. I don't think\n\nChannel 0: Yeah.\n\nChannel 1: I could afford to, like, cover costs while waiting for something to rent this or this or that. I think it could be\n\nChannel 0: Yeah.\n\nChannel 1: a bit\n\nChannel 0: Absolutely.\n\nChannel 1: too much of a stretch.\n\nChannel 0: Yeah. No. Absolutely. Absolutely.\n\nChannel 1: So\n\nChannel 0: All\n\nChannel 1: I was\n\nChannel 0: good.\n\nChannel 1: able I was able to get the I was able to get the good price on the property, but\n\nChannel 0: Yes.\n\nChannel 1: I I just I I just like, I I couldn't cover the cost monthly cost, but it was over\n\nChannel 0: Yeah.\n\nChannel 1: here.\n\nChannel 0: Absolutely. No. Completely understandable. All good. And the last thing I need to run through with you is just a quick risk profile questionnaire.\n\nSo I've been able to answer most of the questions here, but when it comes to you so far, do you consider yourself willing to or wanting to take on the highest level of risk to get the best returns you can, a moderate or medium amount of risk for the best returns you can, or do you consider yourself not wanting to take on any risk and exceeding lower returns? Where do you sort sort of see yourself sitting?\n\nChannel 1: I I've always been in two minds about this, but I thought when Trump\n\nChannel 0: Yeah.\n\nChannel 1: got into power, I thought those I should be low risk, but it seems\n\nChannel 0: Yep.\n\nChannel 1: to have just gone the the other way. So I might try\n\nChannel 0: Yes.\n\nChannel 1: I think I'm in the medium at the minute, aren't I?\n\nChannel 0: Yes. Yeah. Correct. Yes. You're in\n\nChannel 1: Yeah.\n\nChannel 0: a growth portfolio, which if you consider, say, the risk level out of about five, you'd be sitting at about a three.\n\nChannel 1: Yeah. I I I kinda I kinda I wouldn't mind to kind of just go for the risky one for for\n\nChannel 0: Yes.\n\nChannel 1: for\n\nChannel 0: Look.\n\nChannel 1: for a year,\n\nChannel 0: I\n\nChannel 1: see\n\nChannel 0: mean\n\nChannel 1: how it goes there.\n\nChannel 0: yeah. I mean, you don't have to go on the highest level of risk if you wanted to. So from that growth portfolio, you can increase the risk level by 10% that takes you into the high growth environment. That increases your growth asset exposure. So that's things like Australian shares, international shares, listed property, and commodities by about 10%.\n\nSo we go to 90% invested there. Those sorts of investments can and do get greater returns over the longer term, but you do expect a negative return every so often. So you do see the dips as your balance increases. You do feel those changes more. But with your age, you're 45.\n\nYou can't access super to 60. You could maybe step it up a little bit to kind of help with the new with the contributions going in, and then we just reevaluate it in twelve months. Did you wanna look at doing that and see what it can help with?\n\nChannel 1: Yeah. Sure. Go on. Let's let's let's live a little.\n\nChannel 0: On the upside, it's only increasing the exposure by 10. So you're not going, you know, hell for leather essentially. You when you look at it out of five, you're at a three at the moment. Taking to high growth kinda puts you in a range of about four. If you were to go fully aggressive, that's where you see all invested in those growth assets.\n\nThat doesn't sound like you're in that kind of spot at the moment. So you could definitely have a look at going into the high growth for a little bit longer. For your age, you'd say high growth is absolutely fine. You generally with this sort of a high growth environment, we're looking to try and obtain returns on a yearly basis compounded of about eight to 10%, and we could expect the likelihood of a negative return around about one in every five years. And the high growth environment through someone who's not accessing their money for another eight years.\n\nSo if you wanted to step it up a little bit, that's absolutely fine. I can show you that as part of the advice, and then you can always tell me if you're not comfortable.\n\nChannel 1: Yeah. No. Sure. Sure. That's better than price.\n\nYeah. Two.\n\nChannel 0: Yeah. Beautiful. In the appendices, if you wanted, I could show you the same projection table, but with the growth portfolio. So it shows you the outcome based on your current portfolio, the recommended in the growth environment, but then as part of the advice, we can show you the high growth. So you can see both, and you can sort of see what we're recommending, high growth versus just that kind of the same kind of environment you're in now in the appendices as as a comparison.\n\nDid you want me to do both?\n\nChannel 1: Yeah. That that'd be great if you could. Yeah?\n\nChannel 0: Yeah. Absolutely. Perfect. Another question I have here is just out of and I know you sort of said you did think about going into the lower risk earlier this year with what was Trump was doing. But in the next, say, one to two years, if the portfolio dropped by 20%, so we had a very big market dip, would you be, a, wanting to put more money in?\n\nIt could be a buying opportunity. Are you more likely to hold and wait and maybe call us, or are you feeling nervous and wanting to sell the investment? How do you think you might be feeling?\n\nChannel 1: Oh, you're meant to buy one of the glow oranges?\n\nChannel 0: Yes. That's nice as I say.\n\nChannel 1: I I\n\nChannel 0: Is\n\nChannel 1: think\n\nChannel 0: that\n\nChannel 1: that's\n\nChannel 0: the\n\nChannel 1: I I think I'd be yeah. I think I'd I think, yeah, probably buy when it's low, to be honest with you, probably\n\nChannel 0: yeah.\n\nChannel 1: be the way to\n\nChannel 0: Abs\n\nChannel 1: go about it. Yeah.\n\nChannel 0: absolutely. Perfect. And when you see those drops occur in the market, do you get excited thinking it's an investment opportunity, feeling a bit optimistic? Are you feeling cautious, anxious, or concerned? How do you think you're feeling in those scenarios?\n\nChannel 1: Oh, sure. Me now\n\nChannel 0: No. All\n\nChannel 1: to\n\nChannel 0: good. You think VOC is an investment opportunity,\n\nChannel 1: get\n\nChannel 0: maybe a bit optimistic for the time being?\n\nChannel 1: on\n\nChannel 0: Put some more money in?\n\nChannel 1: stage. Yeah. Yeah. Yeah. I'd say so.\n\nChannel 0: No. All good. All good. Perfect. And the last one here is, have you ever thought about borrowing money to in order to invest in shares or managed funds, or do you feel like it's very risky and would only ever borrow money for safe property?\n\nChannel 1: I I I suppose it comes out about the interest rate as we're really to us. It's they get like, if you could tell me I'm getting 8.5% back at the minute in\n\nChannel 0: Yeah.\n\nChannel 1: return and interest rates were eight\n\nChannel 0: Yeah.\n\nChannel 1: percent. It's not just\n\nChannel 0: Yeah.\n\nChannel 1: like it you know, I would I would see it as a gam. It's like it's just\n\nChannel 0: Yeah.\n\nChannel 1: property isn't good enough. But if interest\n\nChannel 0: Yeah.\n\nChannel 1: rates were 22% and I'm getting 8% return, 6%\n\nChannel 0: On\n\nChannel 1: is\n\nChannel 0: the\n\nChannel 1: not\n\nChannel 0: mortgage.\n\nChannel 1: a bad turnover,\n\nChannel 0: Yeah.\n\nChannel 1: if you do know what I mean, if it's when it comes out\n\nChannel 0: Yeah.\n\nChannel 1: to the it's figures, I suppose.\n\nChannel 0: Absolutely. No. Not a problem at all. That's easy. Excellent.\n\nNow going through that one, and thank you for answering those questions. Now you have scored in that high growth environment So, obviously, you said you would like to, you know, look at maybe increasing your exposure for the next twelve months. Are you comfortable with me, obviously, just doing the advice, making those recommendations and the changes? I can show you the high growth portfolio. At the end of the day, Kieran, the advice is just our recommendations.\n\nYou have the option to take all of it, some of it, or none of it. As I said, I can show you the growth portfolio in the appendices as a comparison for you, and then we recommend you go into high growth, and we can look at adjusting your portfolio to reflect that and add some contributions in. Does that sound okay?\n\nChannel 1: Yeah. Sounds good. Yep.\n\nChannel 0: Beautiful. Fantastic. Well, look. That's basically everything I needed to go through. As I kinda mentioned before, I have sent through the annual review pack to you.\n\nIt does have the ongoing service agreement in it. So for us to continue looking after things, providing advice, and helping look after your super, we do charge a service fee of 1.65 percent per annum. That is deducted out of your super full monthly increments. So we wanna make sure things continue to work harder for you, that your super makes at 1.65%, and then, obviously, additional growth on top of that to keep compounding forward. Do you have any questions about the ongoing service agreement, the fees that we charge, or and or our services at all?\n\nChannel 1: No. No. To be honest, I'm quite impressed that I have contributed nothing and I'm still making money.\n\nChannel 0: Thank you. Well, I'll do everything I can to help make sure that continues moving forward for you.\n\nChannel 1: Excellent. Alright. Thank you very much.\n\nChannel 0: That's okay. I was attach sorry. Attached to that docuser, and you've also got the documents that I've gone through with your insurances, your superannuation balances, and the breakdown of the hub twenty four account with the investment returns just so you can see the documents I've gone through. And it does also have our own our financial services guide attached, which outlines all the me has a lovely picture of me in there for you and all of my licensing information as a licensed adviser for you. Okay?\n\nChannel 1: Excellent.\n\nChannel 0: Easy. Have a look at those documents. Let me know if you do have any questions. I'll get you to sign and return them back at your earliest opportunity there, and I'll go forward and do some research for you in the next couple of weeks with regard to the advice, and I'll just get my team member to give you a call next week just to reconfirm your income for the last financial year. Do you know what day you're doing your tax return?","paragraphs":[{"sentences":[{"text":"Grab you again.","start":3.76,"end":4.66,"sentiment":"neutral","sentiment_score":0.12334927668174107}],"sentiment":"neutral","sentiment_score":0.12334927668174107,"channel":1,"num_words":3,"start":3.76,"end":4.66},{"sentences":[{"text":"Hi, Karen.","start":5.2799997,"end":5.8399997,"sentiment":"neutral","sentiment_score":0.11677955836057663},{"text":"I've got your back.","start":5.8399997,"end":6.98,"sentiment":"neutral","sentiment_score":0.19993546977639198}],"sentiment":"neutral","sentiment_score":0.17221683263778687,"channel":0,"num_words":6,"start":5.2799997,"end":6.98},{"sentences":[{"text":"I got you.","start":7.2,"end":7.9199996,"sentiment":"neutral","sentiment_score":0.1571818341811498},{"text":"I know.","start":7.9199996,"end":8.32,"sentiment":"neutral","sentiment_score":0.023336004465818405},{"text":"I've been waiting for some dropping out with them.","start":8.32,"end":10.179999,"sentiment":"neutral","sentiment_score":-0.013017219180862108},{"text":"Yep.","start":13.855,"end":14.355,"sentiment":"neutral","sentiment_score":-0.007809607312083244}],"sentiment":"neutral","sentiment_score":0.026216862102349598,"channel":1,"num_words":15,"start":7.2,"end":14.355},{"sentences":[{"text":"Are you there?","start":13.8550005,"end":14.415,"sentiment":"neutral","sentiment_score":-0.06873812526464462},{"text":"I think I lost you again.","start":14.415,"end":15.775001,"sentiment":"negative","sentiment_score":-0.33982983231544495},{"text":"Oh, I gotcha.","start":15.775001,"end":16.595001,"sentiment":"neutral","sentiment_score":-0.051818390687306724},{"text":"Perfect.","start":16.655,"end":17.155,"sentiment":"neutral","sentiment_score":0.19246459007263184},{"text":"Sorry about I'm not sure what's going on with the phone.","start":17.615,"end":19.935,"sentiment":"neutral","sentiment_score":-0.1598138761791316}],"sentiment":"neutral","sentiment_score":-0.16525569123526415,"channel":0,"num_words":24,"start":13.8550005,"end":19.935},{"sentences":[{"text":"It's yeah.","start":19.935,"end":21.135,"sentiment":"neutral","sentiment_score":-0.08023317158222198},{"text":"Sorry about that.","start":21.135,"end":21.935001,"sentiment":"neutral","sentiment_score":-0.15316931903362274},{"text":"It could be our phone.","start":21.935001,"end":22.895,"sentiment":"neutral","sentiment_score":-0.04773005396127701},{"text":"I'll get someone in IT to have a look at it for you.","start":22.895,"end":25.62,"sentiment":"neutral","sentiment_score":0.029086595544448264}],"sentiment":"neutral","sentiment_score":-0.020891253391037815,"channel":0,"num_words":23,"start":19.935,"end":25.62},{"sentences":[{"text":"Yeah.","start":26.814999,"end":27.055,"sentiment":"neutral","sentiment_score":0.13581570982933044},{"text":"All good.","start":27.055,"end":27.794998,"sentiment":"positive","sentiment_score":0.348162442445755}],"sentiment":"neutral","sentiment_score":0.27738019824028015,"channel":1,"num_words":3,"start":26.814999,"end":27.794998},{"sentences":[{"text":"All good.","start":28.82,"end":29.380001,"sentiment":"neutral","sentiment_score":0.2687421515583992},{"text":"I'm sorry.","start":29.380001,"end":29.7,"sentiment":"neutral","sentiment_score":-0.025449785869568586},{"text":"You had a third motor vehicle noted with a value of 20,000.","start":29.7,"end":32.58,"sentiment":"neutral","sentiment_score":-0.017745473732550938},{"text":"Do you have three motor vehicles at all?","start":32.58,"end":34.760002,"sentiment":"neutral","sentiment_score":-0.0074788081692531705}],"sentiment":"neutral","sentiment_score":0.008908690884709358,"channel":0,"num_words":24,"start":28.82,"end":34.760002},{"sentences":[{"text":"Yes.","start":34.86,"end":35.18,"sentiment":"neutral","sentiment_score":0.03563356399536133},{"text":"I do.","start":35.18,"end":35.58,"sentiment":"neutral","sentiment_score":0.046271972358226776},{"text":"Yeah.","start":35.58,"end":36.08,"sentiment":"neutral","sentiment_score":0.05493561178445816}],"sentiment":"neutral","sentiment_score":0.04577828012406826,"channel":1,"num_words":4,"start":34.86,"end":36.08},{"sentences":[{"text":"Yep.","start":36.260002,"end":36.66,"sentiment":"neutral","sentiment_score":0.10566318035125732},{"text":"Beautiful.","start":36.66,"end":37.06,"sentiment":"neutral","sentiment_score":0.236237108707428},{"text":"And what's the the third vehicle?","start":37.06,"end":38.58,"sentiment":"neutral","sentiment_score":0.044494700307647385},{"text":"What kind","start":38.58,"end":39.06,"sentiment":"neutral","sentiment_score":0.01485634921118617}],"sentiment":"neutral","sentiment_score":0.06385811893269419,"channel":0,"num_words":10,"start":36.260002,"end":39.06},{"sentences":[{"text":"It's","start":38.940002,"end":39.440002,"sentiment":"neutral","sentiment_score":0.021526888012886047}],"sentiment":"neutral","sentiment_score":0.021526888012886047,"channel":1,"num_words":1,"start":38.940002,"end":39.440002},{"sentences":[{"text":"of vehicle is it?","start":39.06,"end":40.005,"sentiment":"neutral","sentiment_score":0.026844921056181192}],"sentiment":"neutral","sentiment_score":0.026844921056181192,"channel":0,"num_words":4,"start":39.06,"end":40.005},{"sentences":[{"text":"a Ford Ranger.","start":40.06,"end":41.2,"sentiment":"neutral","sentiment_score":0.02405981409053008}],"sentiment":"neutral","sentiment_score":0.02405981409053008,"channel":1,"num_words":3,"start":40.06,"end":41.2},{"sentences":[{"text":"Ford Ranger.","start":42.005,"end":42.985,"sentiment":"neutral","sentiment_score":0.04304949752986431},{"text":"Beautiful.","start":43.045002,"end":43.545002,"sentiment":"neutral","sentiment_score":0.2941133379936218}],"sentiment":"neutral","sentiment_score":0.1267374443511168,"channel":0,"num_words":3,"start":42.005,"end":43.545002},{"sentences":[{"text":"That's worth probably around probably around maybe $13,000 maybe now.","start":44.115,"end":48.935,"sentiment":"neutral","sentiment_score":0.17262052968144417}],"sentiment":"neutral","sentiment_score":0.17262052968144417,"channel":1,"num_words":10,"start":44.115,"end":48.935},{"sentences":[{"text":"Yep.","start":49.445,"end":49.925003,"sentiment":"neutral","sentiment_score":0.14557695388793945},{"text":"Beautiful.","start":49.925003,"end":50.425003,"sentiment":"positive","sentiment_score":0.4538203477859497},{"text":"Fantastic.","start":50.485,"end":50.985,"sentiment":"positive","sentiment_score":0.4996466040611267},{"text":"And then I also had you renting here.","start":51.365,"end":53.045002,"sentiment":"neutral","sentiment_score":0.16893802769482136},{"text":"How much rent are you paying at the moment?","start":53.045002,"end":54.825,"sentiment":"neutral","sentiment_score":0.07112679009636243}],"sentiment":"neutral","sentiment_score":0.15453446190804243,"channel":0,"num_words":20,"start":49.445,"end":54.825},{"sentences":[{"text":"$620 a week.","start":55.395,"end":57.27,"sentiment":"neutral","sentiment_score":0.031409852206707}],"sentiment":"neutral","sentiment_score":0.031409852206707,"channel":1,"num_words":3,"start":55.395,"end":57.27},{"sentences":[{"text":"Per week.","start":58.04,"end":58.760002,"sentiment":"neutral","sentiment_score":0.07289473339915276},{"text":"Beautiful.","start":58.760002,"end":59.260002,"sentiment":"neutral","sentiment_score":0.3327256441116333},{"text":"The other things I do like to sort of note down as assets are your contents.","start":60.440002,"end":64.200005,"sentiment":"neutral","sentiment_score":0.1065420382656157},{"text":"Do you happen to have contents insurance, or what sort of value would you put on your contents, do you think?","start":64.200005,"end":69.18,"sentiment":"neutral","sentiment_score":0.04836321568914822}],"sentiment":"neutral","sentiment_score":0.07997038131579756,"channel":0,"num_words":40,"start":58.04,"end":69.18},{"sentences":[{"text":"Probably, I suppose, maybe 20,000.","start":71.76501,"end":73.705,"sentiment":"neutral","sentiment_score":0.02535090036690235}],"sentiment":"neutral","sentiment_score":0.02535090036690235,"channel":1,"num_words":5,"start":71.76501,"end":73.705},{"sentences":[{"text":"20,000?","start":74.565,"end":75.385,"sentiment":"neutral","sentiment_score":0.036716606467962265},{"text":"Absolutely","start":75.44501,"end":75.94501,"sentiment":"neutral","sentiment_score":0.09171370416879654}],"sentiment":"neutral","sentiment_score":0.0642151553183794,"channel":0,"num_words":2,"start":74.565,"end":75.94501},{"sentences":[{"text":"Yeah.","start":75.845,"end":76.345,"sentiment":"neutral","sentiment_score":0.10487689077854156}],"sentiment":"neutral","sentiment_score":0.10487689077854156,"channel":1,"num_words":1,"start":75.845,"end":76.345},{"sentences":[{"text":"fine.","start":76.005005,"end":76.245,"sentiment":"neutral","sentiment_score":0.0859120637178421},{"text":"And do you have any other investment shares, cryptocurrency, collections, or tools of trade that you would note down as valuable?","start":76.245,"end":82.58501,"sentiment":"neutral","sentiment_score":0.06132936247047924}],"sentiment":"neutral","sentiment_score":0.06244675798172301,"channel":0,"num_words":22,"start":76.005005,"end":82.58501},{"sentences":[{"text":"Maybe around 10 maybe around $5,000 worth of two.","start":84.600006,"end":87.240005,"sentiment":"neutral","sentiment_score":0.022824802953335974},{"text":"Is this supposed to be enough?","start":87.240005,"end":88.380005,"sentiment":"neutral","sentiment_score":0.04100644960999489}],"sentiment":"neutral","sentiment_score":0.03009746161599954,"channel":1,"num_words":15,"start":84.600006,"end":88.380005},{"sentences":[{"text":"Yep.","start":88.93,"end":89.33,"sentiment":"neutral","sentiment_score":0.06890670955181122},{"text":"Beautiful.","start":89.33,"end":89.83,"sentiment":"neutral","sentiment_score":0.2126271426677704},{"text":"So tools and about 5,000.","start":89.97,"end":92.310005,"sentiment":"neutral","sentiment_score":0.10466102063655854},{"text":"Lovely.","start":93.17,"end":93.67,"sentiment":"positive","sentiment_score":0.3655673265457154},{"text":"Fantastic.","start":95.425,"end":95.925,"sentiment":"positive","sentiment_score":0.4767761826515198}],"sentiment":"neutral","sentiment_score":0.18302027384440103,"channel":0,"num_words":9,"start":88.93,"end":95.925},{"sentences":[{"text":"Thank you for updating those details.","start":95.985,"end":97.845,"sentiment":"positive","sentiment_score":0.49826336403687793},{"text":"Now we sort of did talk about the estate planning and wills and power of attorney things.","start":98.945,"end":102.945,"sentiment":"neutral","sentiment_score":0.1347196803373449},{"text":"I'll send through some information there for you.","start":102.945,"end":105.205,"sentiment":"neutral","sentiment_score":0.09081021882593632},{"text":"Are you a tax resident of Ireland or any other country at all?","start":105.665,"end":109.365005,"sentiment":"neutral","sentiment_score":0.024982509991297357}],"sentiment":"neutral","sentiment_score":0.1438879347829656,"channel":0,"num_words":44,"start":95.985,"end":109.365005},{"sentences":[{"text":"Tax resident.","start":110.84,"end":111.72,"sentiment":"neutral","sentiment_score":0.0010925752576440573},{"text":"As in, like well, I haven't lived in Ireland in twenty years.","start":111.72,"end":114.86,"sentiment":"neutral","sentiment_score":-0.00586631385764728}],"sentiment":"neutral","sentiment_score":-0.004872186841177089,"channel":1,"num_words":14,"start":110.84,"end":114.86},{"sentences":[{"text":"Beautiful.","start":115.21999,"end":115.619995,"sentiment":"neutral","sentiment_score":0.08553488552570343},{"text":"So the answer would be no.","start":115.619995,"end":116.74,"sentiment":"neutral","sentiment_score":-0.15219956636428833},{"text":"Excellent.","start":116.74,"end":117.24,"sentiment":"neutral","sentiment_score":0.11760783195495604},{"text":"That's okay.","start":117.7,"end":118.52,"sentiment":"neutral","sentiment_score":0.10511261597275734},{"text":"And just sort of going through now, you're set up as an ABN.","start":120.5,"end":124.775,"sentiment":"neutral","sentiment_score":0.06350863094513233}],"sentiment":"neutral","sentiment_score":0.014164467544659325,"channel":0,"num_words":23,"start":115.21999,"end":124.775},{"sentences":[{"text":"Are you do you have a company?","start":124.915,"end":126.354996,"sentiment":"neutral","sentiment_score":-0.00843902344682387},{"text":"So do you work as your own employee for your company?","start":126.354996,"end":129.33499,"sentiment":"neutral","sentiment_score":-0.012983588671142405}],"sentiment":"neutral","sentiment_score":-0.011216257750574086,"channel":0,"num_words":18,"start":124.915,"end":129.33499},{"sentences":[{"text":"Yeah.","start":129.30501,"end":129.545,"sentiment":"neutral","sentiment_score":-0.011071745306253431},{"text":"Yeah.","start":129.545,"end":129.785,"sentiment":"neutral","sentiment_score":-0.01792478747665882},{"text":"I just sold myself into into into contractors, into builders.","start":129.785,"end":133.88501,"sentiment":"neutral","sentiment_score":-0.04846435766667127}],"sentiment":"neutral","sentiment_score":-0.04280334245413542,"channel":1,"num_words":12,"start":129.30501,"end":133.88501},{"sentences":[{"text":"Yeah.","start":134.675,"end":135.075,"sentiment":"neutral","sentiment_score":0.16934940218925476},{"text":"Beautiful.","start":135.075,"end":135.575,"sentiment":"positive","sentiment_score":0.6229815483093262},{"text":"Excellent.","start":135.635,"end":136.035,"sentiment":"positive","sentiment_score":0.6570862531661987},{"text":"So subcontract out.","start":136.035,"end":137.47499,"sentiment":"positive","sentiment_score":0.3601781527201335},{"text":"Excellent.","start":137.47499,"end":137.955,"sentiment":"positive","sentiment_score":0.5397351980209351}],"sentiment":"positive","sentiment_score":0.43852669426373075,"channel":0,"num_words":7,"start":134.675,"end":137.955},{"sentences":[{"text":"I have your company name down as Piran O'Connor 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dropped by 20%, so we had a very big market dip, would you be, a, wanting to put more money in?","start":627.4,"end":636.84,"sentiment":"neutral","sentiment_score":-0.11635785956274379}],"sentiment":"neutral","sentiment_score":-0.06298959170069013,"channel":0,"num_words":70,"start":616.22504,"end":636.84},{"sentences":[{"text":"It could be a buying opportunity.","start":636.84,"end":638.3,"sentiment":"neutral","sentiment_score":0.02470781033237775},{"text":"Are you more likely to hold and wait and maybe call us, or are you feeling nervous and wanting to sell the investment?","start":638.44,"end":644.115,"sentiment":"neutral","sentiment_score":-0.11320318135878314},{"text":"How do you think you might be feeling?","start":644.175,"end":645.795,"sentiment":"neutral","sentiment_score":-0.04996657790616155}],"sentiment":"neutral","sentiment_score":-0.07716645763532536,"channel":0,"num_words":37,"start":636.84,"end":645.795},{"sentences":[{"text":"Oh, you're meant to buy one of the glow 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I think I'd be yeah.","start":656.37,"end":657.81,"sentiment":"neutral","sentiment_score":0.05615616077557206},{"text":"I think I'd I think, yeah, probably buy when it's low, to be honest with you, probably","start":657.81,"end":661.32996,"sentiment":"neutral","sentiment_score":0.11362503468990326}],"sentiment":"neutral","sentiment_score":0.0986331545383386,"channel":1,"num_words":23,"start":656.37,"end":661.32996},{"sentences":[{"text":"yeah.","start":661.1,"end":661.6,"sentiment":"neutral","sentiment_score":0.10264530032873154}],"sentiment":"neutral","sentiment_score":0.10264530032873154,"channel":0,"num_words":1,"start":661.1,"end":661.6},{"sentences":[{"text":"be the way 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much.","start":849.545,"end":850.685,"sentiment":"positive","sentiment_score":0.4979119896888733}],"sentiment":"positive","sentiment_score":0.46342650055885315,"channel":1,"num_words":6,"start":848.745,"end":850.685},{"sentences":[{"text":"That's okay.","start":850.82996,"end":851.64996,"sentiment":"neutral","sentiment_score":0.20681218802928925},{"text":"I was attach sorry.","start":851.87,"end":852.91,"sentiment":"neutral","sentiment_score":0.014844285789877176},{"text":"Attached to that docuser, and you've also got the documents that I've gone through with your insurances, your superannuation balances, and the breakdown of the hub twenty four account with the investment returns just so you can see the documents I've gone through.","start":852.91,"end":863.41,"sentiment":"neutral","sentiment_score":0.13761555212874746},{"text":"And it does also have our own our financial services guide attached, which outlines all the me has a lovely picture of me in there for you and all of my licensing information as a licensed adviser for you.","start":865.685,"end":877.045,"sentiment":"neutral","sentiment_score":0.23803448562438673},{"text":"Okay?","start":877.045,"end":877.545,"sentiment":"neutral","sentiment_score":0.1492442786693573}],"sentiment":"neutral","sentiment_score":0.17778718515477154,"channel":0,"num_words":89,"start":850.82996,"end":877.545},{"sentences":[{"text":"Excellent.","start":878.025,"end":878.525,"sentiment":"positive","sentiment_score":0.36469727754592896}],"sentiment":"positive","sentiment_score":0.36469727754592896,"channel":1,"num_words":1,"start":878.025,"end":878.525},{"sentences":[{"text":"Easy.","start":879.44,"end":879.94,"sentiment":"positive","sentiment_score":0.3607250154018402},{"text":"Have a look at those documents.","start":880.0,"end":881.12,"sentiment":"neutral","sentiment_score":0.22188469767570496},{"text":"Let me know if you do have any questions.","start":881.12,"end":882.72,"sentiment":"neutral","sentiment_score":0.202363397512171},{"text":"I'll get you to sign and return them back at your earliest opportunity there, and I'll go forward and do some research for you in the next couple of weeks with regard to the advice, and I'll just get my team member to give you a call next week just to reconfirm your income for the last financial year.","start":882.72,"end":898.363,"sentiment":"positive","sentiment_score":0.341847594511711},{"text":"Do you know what day you're doing your tax return?","start":898.363,"end":900.623,"sentiment":"neutral","sentiment_score":-0.01882690005004406}],"sentiment":"neutral","sentiment_score":0.2764005041736014,"channel":0,"num_words":85,"start":879.44,"end":900.623}]},"summary":{"result":"success","short":"The customer speaks with a representative about their investment property and discusses their investment portfolio, employment, and tax resident status. They express interest in buying a property and the representative explains the process for purchasing. The speaker discusses risk levels and investment goals with the customer, including high growth portfolios and low growth portfolios. The agent suggests waiting until the market dips before making a purchase and recommends reviewing annual reviews and fees for ongoing services. The speaker also provides advice and guidance to the customer in the future."},"intents":{"segments":[{"text":"I think I lost you again. Oh, I gotcha. Perfect. Sorry about I'm not sure what's going on with the phone. It's yeah.","start_word":27,"end_word":49,"intents":[{"intent":"Resolve issues","confidence_score":0.00074301346}]},{"text":"So subcontract out. Excellent.","start_word":364,"end_word":367,"intents":[{"intent":"Subcontract out","confidence_score":0.017311372}]},{"text":"And with the funds in the bank, are you sort of wanting to put that towards buying a property down the track, or what's kind of the the goal with the funds you I'm trying to plan on and I wouldn't mind investing. have?","start_word":452,"end_word":495,"intents":[{"intent":"Invest","confidence_score":0.045616653}]},{"text":"So it was serviced it was sort of put through servicing wise as an investment to be able to generate income as part of the servicing. That makes Yes. sense.","start_word":594,"end_word":623,"intents":[{"intent":"Generate income","confidence_score":0.24466525}]},{"text":"Are you still considering maybe commercial property? Or And commercial pro at that time, I was actually building commercial properties. Okay.","start_word":1076,"end_word":1096,"intents":[{"intent":"Evaluate commercial property options","confidence_score":0.0034242948}]},{"text":"You could maybe step it up a little bit to kind of help with the new with the contributions going in, and then we just reevaluate it in twelve months. Did you wanna look at doing that and see what it can help with? Yeah.","start_word":1536,"end_word":1580,"intents":[{"intent":"Evaluate investment portfolio","confidence_score":0.059954595}]},{"text":"So you can see both, and you can sort of see what we're recommending, high growth versus just that kind of the same kind of environment you're in now in the appendices as as a comparison. Did you want me to do both? Yeah.","start_word":1854,"end_word":1897,"intents":[{"intent":"Experiment with growth recommendations","confidence_score":0.00014531024}]},{"text":"And the last one here is, have you ever thought about borrowing money to in order to invest in shares or managed funds, or do you feel like it's very risky and would only ever borrow money for safe property?","start_word":2153,"end_word":2192,"intents":[{"intent":"Consider borrowing money","confidence_score":0.0006958925}]},{"text":"At the end of the day, Kieran, the advice is just our recommendations. You have the option to take all of it, some of it, or none of it. As I said, I can show you the growth portfolio in the appendices as a comparison for you, and then we recommend you go into high growth, and we can look at adjusting your portfolio to reflect that and add some contributions in. Does that sound okay? Yeah.","start_word":2380,"end_word":2456,"intents":[{"intent":"Recommend portfolio comparison","confidence_score":0.012698475},{"intent":"Assist with asset management","confidence_score":0.00019618892}]},{"text":"So for us to continue looking after things, providing advice, and helping look after your super, we do charge a service fee of 1.65 percent per annum. That is deducted out of your super full monthly increments. So we wanna make sure things continue to work harder for you, that your super makes at 1.65%, and then, obviously, additional growth on top of that to keep compounding forward.","start_word":2495,"end_word":2562,"intents":[{"intent":"Explain service fee fee","confidence_score":0.00016103963}]},{"text":"Do you have any questions about the ongoing service agreement, the fees that we charge, or and or our services at all? No.","start_word":2563,"end_word":2585,"intents":[{"intent":"Provide information about services","confidence_score":0.006122169}]},{"text":"Well, I'll do everything I can to help make sure that continues moving forward for you. Excellent.","start_word":2605,"end_word":2621,"intents":[{"intent":"Offer assistance","confidence_score":0.060811024}]},{"text":"Attached to that docuser, and you've also got the documents that I've gone through with your insurances, your superannuation balances, and the breakdown of the hub twenty four account with the investment returns just so you can see the documents I've gone through.","start_word":2633,"end_word":2675,"intents":[{"intent":"Provide documents","confidence_score":0.06168235}]}]},"sentiments":{"segments":[{"text":"Grab you again. Hi, Karen. I've got your back. I got you. I know. I've been waiting for some dropping out with them. Yep. Are you there? I think I lost you again. Oh, I gotcha. Perfect. Sorry about I'm not sure what's going on with the phone. It's yeah. Sorry about that. It could be our phone. I'll get someone in IT to have a look at it for you. Yeah.","start_word":0,"end_word":71,"sentiment":"neutral","sentiment_score":-0.024464529007673264},{"text":"All good.","start_word":72,"end_word":73,"sentiment":"positive","sentiment_score":0.33371639251708984},{"text":"All good. I'm sorry. You had a third motor vehicle noted with a value of 20,000. Do you have three motor vehicles at all? Yes. I do. Yeah. Yep. Beautiful. And what's the the third vehicle? What kind It's of vehicle is it? a Ford Ranger. Ford Ranger. Beautiful. That's worth probably around probably around maybe $13,000 maybe now. Yep.","start_word":74,"end_word":133,"sentiment":"neutral","sentiment_score":0.06218649819493294},{"text":"Beautiful. Fantastic.","start_word":134,"end_word":135,"sentiment":"positive","sentiment_score":0.4767334759235382},{"text":"And then I also had you renting here. How much rent are you paying at the moment? $620 a week. Per week. Beautiful. The other things I do like to sort of note down as assets are your contents. Do you happen to have contents insurance, or what sort of value would you put on your contents, do you think? Probably, I suppose, maybe 20,000. 20,000? Absolutely Yeah. fine. And do you have any other investment shares, cryptocurrency, collections, or tools of trade that you would note down as valuable? Maybe around 10 maybe around $5,000 worth of two. Is this supposed to be enough? Yep. Beautiful. So tools and about 5,000.","start_word":136,"end_word":247,"sentiment":"neutral","sentiment_score":0.07368984818458557},{"text":"Lovely. Fantastic. Thank you for updating those details.","start_word":248,"end_word":255,"sentiment":"positive","sentiment_score":0.4662055969238281},{"text":"Now we sort of did talk about the estate planning and wills and power of attorney things. I'll send through some information there for you. Are you a tax resident of Ireland or any other country at all? Tax resident. As in, like well, I haven't lived in Ireland in twenty years. Beautiful. So the answer would be no. Excellent. That's okay. And just sort of going through now, you're set up as an ABN. Are you do you have a company? So do you work as your own employee for your company? Yeah. Yeah. I just sold myself into into into contractors, into builders. Yeah.","start_word":256,"end_word":361,"sentiment":"neutral","sentiment_score":0.031313044721928404},{"text":"Beautiful. Excellent. So subcontract out. Excellent.","start_word":362,"end_word":367,"sentiment":"positive","sentiment_score":0.4978816509246826},{"text":"I have your company name down as Piran O'Connor Proprietary Limited. Is that kind of how how your sub like, the business you're subcontracting for or what you put on And your it's invoices? still it's still no car number. It's just an Avian. It's not a PT Boy. Okay. No worries. It also just under your name as a sole trader. Yep. Yep.","start_word":368,"end_word":431,"sentiment":"neutral","sentiment_score":0.051567379385232925},{"text":"That's absolutely fine. Perfect.","start_word":432,"end_word":435,"sentiment":"positive","sentiment_score":0.43489548563957214},{"text":"And you've been in construction for a long time? You told you too long.","start_word":436,"end_word":449,"sentiment":"neutral","sentiment_score":0.044056084007024765},{"text":"All good.","start_word":450,"end_word":451,"sentiment":"positive","sentiment_score":0.3529062271118164},{"text":"And with the funds in the bank, are you sort of wanting to put that towards buying a property down the track, or what's kind of the the goal with the funds you I'm trying to plan on and I wouldn't mind investing. have? I was hoping to get a property, but they Yep. I can't Just before all the laws got changed with negative gearing in that, the bank Yeah. had agreed to give me 700,000. Oh, wow. But then they changed their mind. Because I I couldn't live in, so it had to be an investment property. Right. Okay. So Yep. so whatever way the they were working it out or whatever way it was, they said I can do it, but it has to be an investment for the $700 a week return on it also. Okay. No worries. So it was serviced it was sort of put through servicing wise as an investment to be able to generate income as part of the servicing. That makes Yes. sense. Yeah. That's okay. And, I mean, even with the changes, you can still look to buy a property. It's just that to be able to negatively gear, it does have to be an off the plan or a brand new property depending on sort of what you what the, you know, the whole servicing looks like. You could still buy a preexisting property. It's just that you can't negatively get a property. You'll get the benefits in negative gearing with the new legislation going through. If you don't buy it off the plan or a property being built, essentially, you buy a preexisting property, you just can't claim that negative gearing. The losses essentially carry forward and can be used to offset gains in the future. So if you sold that property down the track and you made a gain, you could essentially offset the gain with some of the, you know, the loss that had been carried forward. Or if the property was positively geared down the track, you could kinda offset it that way as well. So it doesn't anyway stop you from investing in property. It just changes the way we have to do it as investors. That's all. But, yeah, it might still be worth looking at. Yeah. I'm like, I'm I'm I I I it's it's it's it's it's it's since since then, I've also had maybe a bit more of a business opportunity to come up to maybe go go have some jobs with a contractor. You know, Okay. I do a lot of work first. So I'm just trying to see how that pans out before I Yep. lock my cash and pay anything at the minute. So Yeah. That's absolutely fine. Not a problem at all. Well, I mean, we do provide advice on investments in other areas. So if you did wanna look at those with the areas, come and have a chat to us.","start_word":452,"end_word":947,"sentiment":"neutral","sentiment_score":0.05685594366983541},{"text":"We're licensed advisers and can certainly look at helping you.","start_word":948,"end_word":957,"sentiment":"positive","sentiment_score":0.33451464772224426},{"text":"Okay?","start_word":958,"end_word":958,"sentiment":"neutral","sentiment_score":0.31454068422317505},{"text":"Excellent.","start_word":959,"end_word":959,"sentiment":"positive","sentiment_score":0.6095364093780518},{"text":"Other than that, additional goals I've got here is that you were looking says that you're focusing on on new family dynamic Yeah. and starting a new job. Is that something that you just had down the track? Are you still sort of looking to pick up more work down the track? Yeah. But I'm Yeah. Of I'm forever course. trying to trying to find a better way to make money or or or or just make more but doing less, I suppose, is probably the better way Yep. of Yep. Well, another one putting of the goals this. here I had back a while ago was that you were looking at maybe buying commercial property. Are you still considering maybe commercial property? Or And commercial pro at that time, I was actually building commercial properties. Okay. And but I've seen some of the downsides of having the commercial property. I don't think Yeah. I could afford to, like, cover costs while waiting for something to rent this or this or that. I think it could be Yeah. a bit Absolutely. too much of a stretch. Yeah. No. Absolutely. Absolutely. So All I was good. able I was able to get the I was able to get the good price on the property, but Yes. I I just I I just like, I I couldn't cover the cost monthly cost, but it was over Yeah. here. Absolutely. No. Completely understandable. All good. And the last thing I need to run through with you is just a quick risk profile questionnaire. So I've been able to answer most of the questions here, but when it comes to you so far, do you consider yourself willing to or wanting to take on the highest level of risk to get the best returns you can, a moderate or medium amount of risk for the best returns you can, or do you consider yourself not wanting to take on any risk and exceeding lower returns? Where do you sort sort of see yourself sitting? I I've always been in two minds about this, but I thought when Trump Yeah. got into power, I thought those I should be low risk, but it seems Yep. to have just gone the the other way. So I might try Yes. I think I'm in the medium at the minute, aren't I? Yes. Yeah. Correct. Yes. You're in Yeah. a growth portfolio, which if you consider, say, the risk level out of about five, you'd be sitting at about a three. Yeah. I I I kinda I kinda I wouldn't mind to kind of just go for the risky one for for Yes. for Look. for a year, I see mean how it goes there. yeah. I mean, you don't have to go on the highest level of risk if you wanted to. So from that growth portfolio, you can increase the risk level by 10% that takes you into the high growth environment. That increases your growth asset exposure. So that's things like Australian shares, international shares, listed property, and commodities by about 10%. So we go to 90% invested there. Those sorts of investments can and do get greater returns over the longer term, but you do expect a negative return every so often.","start_word":960,"end_word":1507,"sentiment":"neutral","sentiment_score":-0.01594385689627515},{"text":"So you do see the dips as your balance increases. You do feel those changes more.","start_word":1508,"end_word":1523,"sentiment":"negative","sentiment_score":-0.4258190095424652},{"text":"But with your age, you're 45. You can't access super to 60. You could maybe step it up a little bit to kind of help with the new with the contributions going in, and then we just reevaluate it in twelve months. Did you wanna look at doing that and see what it can help with? Yeah. Sure. Go on. Let's let's let's live a little. On the upside, it's only increasing the exposure by 10. So you're not going, you know, hell for leather essentially. You when you look at it out of five, you're at a three at the moment. Taking to high growth kinda puts you in a range of about four. If you were to go fully aggressive, that's where you see all invested in those growth assets. That doesn't sound like you're in that kind of spot at the moment. So you could definitely have a look at going into the high growth for a little bit longer. For your age, you'd say high growth is absolutely fine. You generally with this sort of a high growth environment, we're looking to try and obtain returns on a yearly basis compounded of about eight to 10%, and we could expect the likelihood of a negative return around about one in every five years. And the high growth environment through someone who's not accessing their money for another eight years. So if you wanted to step it up a little bit, that's absolutely fine.","start_word":1524,"end_word":1770,"sentiment":"neutral","sentiment_score":-0.04293021288236626},{"text":"I can show you that as part of the advice, and then you can always tell me if you're not comfortable.","start_word":1771,"end_word":1791,"sentiment":"negative","sentiment_score":-0.33766695857048035},{"text":"Yeah. No. Sure. Sure. That's better than price. Yeah. Two. Yeah.","start_word":1792,"end_word":1802,"sentiment":"neutral","sentiment_score":0.0402483195066452},{"text":"Beautiful.","start_word":1803,"end_word":1803,"sentiment":"positive","sentiment_score":0.4664645791053772},{"text":"In the appendices, if you wanted, I could show you the same projection table, but with the growth portfolio. So it shows you the outcome based on your current portfolio, the recommended in the growth environment, but then as part of the advice, we can show you the high growth. So you can see both, and you can sort of see what we're recommending, high growth versus just that kind of the same kind of environment you're in now in the appendices as as a comparison. Did you want me to do both? Yeah. That that'd be great if you could. Yeah? Yeah.","start_word":1804,"end_word":1906,"sentiment":"neutral","sentiment_score":0.14056724309921265},{"text":"Absolutely. Perfect.","start_word":1907,"end_word":1908,"sentiment":"positive","sentiment_score":0.3920159041881562},{"text":"Another question I have here is just out of and I know you sort of said you did think about going into the lower risk earlier this year with what was Trump was doing. But in the next, say, one to two years, if the portfolio dropped by 20%, so we had a very big market dip, would you be, a, wanting to put more money in? It could be a buying opportunity. Are you more likely to hold and wait and maybe call us, or are you feeling nervous and wanting to sell the investment? How do you think you might be feeling? Oh, you're meant to buy one of the glow oranges? Yes.","start_word":1909,"end_word":2023,"sentiment":"neutral","sentiment_score":-0.06098756939172745},{"text":"That's nice as I say.","start_word":2024,"end_word":2028,"sentiment":"positive","sentiment_score":0.42793071269989014},{"text":"I I Is think that that's the I I think I'd be yeah. I think I'd I think, yeah, probably buy when it's low, to be honest with you, probably yeah. be the way to Abs go about it.","start_word":2029,"end_word":2067,"sentiment":"neutral","sentiment_score":0.09742828210194904},{"text":"Yeah. absolutely. Perfect.","start_word":2068,"end_word":2070,"sentiment":"positive","sentiment_score":0.5067234635353088},{"text":"And when you see those drops occur in the market, do you get excited thinking it's an investment opportunity, feeling a bit optimistic? Are you feeling cautious, anxious, or concerned? How do you think you're feeling in those scenarios? Oh, sure. Me now No. All to good. You think VOC is an investment opportunity, get maybe a bit optimistic for the time being? on Put some more money in? stage. Yeah. Yeah. Yeah. I'd say so. No. All good.","start_word":2071,"end_word":2149,"sentiment":"neutral","sentiment_score":0.1320842057466507},{"text":"All good. Perfect.","start_word":2150,"end_word":2152,"sentiment":"positive","sentiment_score":0.3817586600780487},{"text":"And the last one here is, have you ever thought about borrowing money to in order to invest in shares or managed funds, or do you feel like it's very risky and would only ever borrow money for safe property? I I I suppose it comes out about the interest rate as we're really to us. It's they get like, if you could tell me I'm getting 8.5% back at the minute in Yeah. return and interest rates were eight Yeah. percent. It's not just Yeah. like it you know, I would I would see it as a gam. It's like it's just Yeah. property isn't good enough. But if interest Yeah. rates were 22% and I'm getting 8% return, 6% On is the mortgage. not a bad turnover, Yeah. if you do know what I mean, if it's when it comes out Yeah. to the it's figures, I suppose. Absolutely. No. Not a problem at all.","start_word":2153,"end_word":2309,"sentiment":"neutral","sentiment_score":0.004361307714134455},{"text":"That's easy. Excellent. Now going through that one, and thank you for answering those questions.","start_word":2310,"end_word":2324,"sentiment":"positive","sentiment_score":0.4351370334625244},{"text":"Now you have scored in that high growth environment So, obviously, you said you would like to, you know, look at maybe increasing your exposure for the next twelve months. Are you comfortable with me, obviously, just doing the advice, making those recommendations and the changes? I can show you the high growth portfolio. At the end of the day, Kieran, the advice is just our recommendations. You have the option to take all of it, some of it, or none of it. As I said, I can show you the growth portfolio in the appendices as a comparison for you, and then we recommend you go into high growth, and we can look at adjusting your portfolio to reflect that and add some contributions in. Does that sound okay? Yeah.","start_word":2325,"end_word":2455,"sentiment":"neutral","sentiment_score":0.1055067381786026},{"text":"Sounds good.","start_word":2456,"end_word":2457,"sentiment":"positive","sentiment_score":0.3676302433013916},{"text":"Yep.","start_word":2458,"end_word":2458,"sentiment":"neutral","sentiment_score":0.29553312063217163},{"text":"Beautiful. Fantastic. Well, look.","start_word":2459,"end_word":2462,"sentiment":"positive","sentiment_score":0.5099270343780518},{"text":"That's basically everything I needed to go through. As I kinda mentioned before, I have sent through the annual review pack to you. It does have the ongoing service agreement in it. So for us to continue looking after things, providing advice, and helping look after your super, we do charge a service fee of 1.65 percent per annum. That is deducted out of your super full monthly increments. So we wanna make sure things continue to work harder for you, that your super makes at 1.65%, and then, obviously, additional growth on top of that to keep compounding forward. Do you have any questions about the ongoing service agreement, the fees that we charge, or and or our services at all? No. No. To be honest, I'm quite impressed that I have contributed nothing and I'm still making money.","start_word":2463,"end_word":2602,"sentiment":"neutral","sentiment_score":0.12119603157043456},{"text":"Thank you. Well, I'll do everything I can to help make sure that continues moving forward for you. Excellent. Alright. Thank you very much.","start_word":2603,"end_word":2626,"sentiment":"positive","sentiment_score":0.4514639973640442},{"text":"That's okay. I was attach sorry. Attached to that docuser, and you've also got the documents that I've gone through with your insurances, your superannuation balances, and the breakdown of the hub twenty four account with the investment returns just so you can see the documents I've gone through. And it does also have our own our financial services guide attached, which outlines all the me has a lovely picture of me in there for you and all of my licensing information as a licensed adviser for you. Okay?","start_word":2627,"end_word":2715,"sentiment":"neutral","sentiment_score":0.16921116411685944},{"text":"Excellent. Easy.","start_word":2716,"end_word":2717,"sentiment":"positive","sentiment_score":0.3627111315727234},{"text":"Have a look at those documents. Let me know if you do have any questions.","start_word":2718,"end_word":2732,"sentiment":"neutral","sentiment_score":0.21087777614593503},{"text":"I'll get you to sign and return them back at your earliest opportunity there, and I'll go forward and do some research for you in the next couple of weeks with regard to the advice, and I'll just get my team member to give you a call next week just to reconfirm your income for the last financial year.","start_word":2733,"end_word":2791,"sentiment":"positive","sentiment_score":0.33950403332710266},{"text":"Do you know what day you're doing your tax return?","start_word":2792,"end_word":2801,"sentiment":"neutral","sentiment_score":-0.002296065678820014}],"average":{"sentiment":"neutral","sentiment_score":0.05570341734090376}}}}