{"metadata":{"transaction_key":"deprecated","request_id":"01a0cca0-50a4-7a33-b832-666f7e941ef9","sha256":"5444b50aab9f856de4ea393df43c0d9a4dcc4f7e57a1887d500c38a997cda341","created":"2026-09-23T04:57:38.091Z","duration":2414.16,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":9735,"output_tokens":131},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":10994,"output_tokens":11015},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":10994,"output_tokens":932}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon, Sally. It's Tommy here. How are you doing? Oh, no. I'm getting mixed in with spam at 02:15. That's horrible. Oh, good stuff. I appreciate you prioritizing me over the old Google Maps scam artist. I appreciate it. Oh, look. It's been fantastic. It's bright, Sunny. Everything's been going great so far, and I have a little bit of information for you today. What I'll do is I'll just go through quick usual security check, and that way I can kind of dive into it a bit deeper with you. If I could please confirm your date of birth and address that we'd have on file. Sensational. And I'm registered with adviser 1273105. Sal, are you okay for the call to be recorded? Perfect. First thing I wanted to ask you though is with the emails that you got from Tal, what were your thoughts when you received those emails? Mhmm. Right. Yeah. You've yeah. You've That's it. So you you've hit the nail on the head exactly. The whole point behind the product is that they've noticed that mental health, chronic fatigue, neurological disorders can be ongoing for a large period of time. So they're basically offering premium discounts to chop it up into five yearly payments, and you've got to get, like, assessed every year to keep getting the 20%. It depends. So most of the time, it's down to the doctors and at what threshold would they declare you as unlikely to ever return to work. It used to be unable to, which is yeah. Yeah. And it used to be sorry? It used to be a much stricter definition where the insurers would get out of it because the doctor would have to say that you're unable to ever, and no doctor's gonna sign off saying, well, I can't say that, you know, unable to ever return to work. It's unlikely, but not unable, and that would be the one key word. And some policies had unable, some had unlikely, and now it's all been brought into line where everyone goes off the unlikely, which is as far as doctors are pretty much allowed to go. Otherwise, they will get sued if they start saying that. Yeah. And I did see. Oh, no premium phrase. Yeah. Ross. And there's another fun loop hole too. So with this new product that they've got, it carves out the those conditions, the mental health, the the fatigue, the neurological. And, well, it says that if you claim on those, there's your five part payments. But what it does is it makes it cheaper for you to get any occupation and own occupation, but you can't be assessed under those conditions under own occupation if you have it. It carves it off to the side. So it can lower a premium to get own occupation, but then you can't actually use that definition on those conditions, which I find to be yeah. Yep. And then what that would do to you financially depending on what they say, it's just a recurring headache. We ended up going to a seminar with Brighter Super and Tal, and it was a group of advisers, about 30 of us in attendance. They presented this new product to the room, and we grilled them on the exact same thing, and they didn't really have any answers for it. The I guess the the one really good benefit of Tal compared to other insurers is they have the lowest consistent premium increases in the industry. That's their main calling card is you get cheaper cover that stays cheaper longer than the other providers. Everything else, they kind of lack a few features here and there compared to other products. So maintaining it's great, but the new product, I'm not really sold on in unless it's very niche circumstances. Right. Yeah. That's actually exactly how it works as you go through new underwriting, and the medical gets checked again. So I did do some fun quotes where I thought, oh, this will actually lower the the entry for you to get, like, an occupation that we were looking for by a considerable amount, but then you wouldn't be able to claim those conditions under that definition anyway, which is why they've yep. So you get the exclusion on the thumbs. And then on top of that, mental health conditions and everything would be carved away from the own occupation definition as well. So it's a it's a double negative. Yeah. They basically sold it as if you've got someone who's 30 year old, white collar, who generally deals with mental health stress, that they can get this really nice cheap product that can continuously pay them out lump sums every now and then for those areas, which is the the highest risk in white collar is the mental health side of things, and use that savings of premiums to build wealth elsewhere. That's pretty much the niche. Anyone outside of that, not really suitable. And I did wanna say too that when the insurers have really bad automated emails when it comes to you know, your premium is due, so you I'll ask this even though it's about to come out of super. And I saw on the letter that they said you don't have TPD insurance, and I thought, oh, jeez. The fact that you've got two policies and they sent you this one saying, this is a new TPD support option. Whilst you don't currently have TPD insurance on this policy, we're required to send this notice to you as an advertisement. I just wanna let you know you do have the TPD still. It's just on the other policy. Yeah. Most of their letters just panic. Correct. Yep. Let me see because we've got time frame. Yeah. Let me have a look at your account. So if you just bear with me for a moment, I'm gonna just log in to the old super. Two factor authentication, always lovely. I hope we can get away from all this soon. The old email password, thumbprint, two factor, text card. It gets a bit excessive. Oh, jeez. Here we go. Oh, no. I think at this point, it's probably coming closer to the stage where everyone's just gonna do things in person at some point because it's just getting too difficult over digital, and there's so much, you know, spam online. I'm just grabbing up your fax lines just to cook up that couple of details even though I did that recently. Yeah. We've got the the reference date on Hub '24 is around about now. So that lines up pretty well. I just won't have the, like, document pack to send through to you until we generate it after the call. Okay. Yeah. Yep. So Hub twenty four account, look at the current balance. I'm just generating some performance reports as well. So we got $2,134.23. Pretty good progress on your account. Obviously, the market's kind of gone a bit topsy-turvy lately. We went from one ninety five March, the market dropped to $1.88, and now you're back up to $2.13. So it's bounced back pretty well. All the investments have grown very well except for one. I'm just gonna pull this one up. Do you usually log in to the hub at all and and keep an eye on it? Or yep. So the two things that I can see, so all the investment options you've got, you're kind of in that growth profile where it's not high risk. It's the one below that. It's kind of like 80% shares property and gold rather than 90 to a 100. You've got most of the shares here, agriculture, cybersecurity, gold all up double digits, $1,119.23. One thing I'll probably have to change on the super is you've got some term deposits. There's a specific type of a term deposit that's being phased out next year, and I've got an option I can switch in for that one, which is all good. You've got one option, Bennelong, that's going down a bit, probably a bit quicker than the rest of the market has Australian shares options. I'm gonna have to probably switch that one out as well. Overall, the growth profile idea, again, hitting that consistent sort of eight to 9% returns, scaling it back when you're closer to retirement. Are you still kind of comfortable with that, you know, go for growth but not high risk? We've got so it's still positive for the year, about 6% after fees even though we've had that double drop, which is good. And then we've got the contributions. Physio Fusion PTY LTD is coming in nice and consistent. They've switched you to $501.12 each time. Do you know what's going on in terms of the sort of payroll system for the contributions at all? Yeah. That's what I thought it was. Yeah. Oh, you missed a couple. Yeah. Yeah. Oh, perfect. I saw the frequency switch, but it was four on the one day, and I thought, oh, okay. On the twelfth. Yep. So working that back, would you say the income's kind of set to that 180,000 per year then? Yep. Right. Yeah. I think we already had it between 108 to 112. We've got the fortnightly income coming out, which you were looking to possibly increase a little bit. Mortgage details updated, $4.30 and a mill on the property. We've got the car updated as well and the health side of things. So no real changes to the assets or liabilities since we last spoke. Cool. And Yeah. Absolutely. So the time frames wise, growth is kind of good for eight years and above, and high growth is kind of nine to ten years or above. So if we were gonna call it quits at 60 on the dot, you're kind of on the cusp of not really having the time to swing into high growth. You'd you'd caught sequencing risk where the market crashes, and you don't have enough time for it to build back up to where it needs to get the returns. The the yeah. So a bit of time there. The I guess the the trade off that I would do is three things. You don't have to decide it today, but this is just kind of the options for you, is you either take on more risk to get a higher return. You put more contributions in to get, like, a safer trajectory. But I'm also gonna do a bit of an engine tune up on the super and two options on switching anyway, and that'll bump things up as well. So yeah. So it fluctuates a little bit. It bounces between 80 to 85 at the moment. And if we tick it up a a category, you basically go between 90 to 95. Yeah. Because it it kind of moves that way already, and I think it would be sitting at, like, 83 if I was to kind of analyze it. Yep. Absolutely. I probably wouldn't go much higher than that. Yeah. What I'll do is when I update the plan, I'll do the comparison of switching those two options out and what that looks like, and then I'll check out other portfolios, which might be a few percent more aggressive and see if they look pretty good in terms of fees and performance. Yep. I'll have a look at those two. And the two other things that I'll kinda check is for the replacement options, whether it's new portfolio or the same one that I switch out, we can kind of go, like, a like for like replacement of that that option where it's actively managed. You pay a bit more to try and get higher returns, or we can go for, like, the lower fee index funds and switch one of those in. Do you have a kind of lean between the two between fees and performance, like a a gut feeling there? Cool. I will go for the best recommendation I can, and I'll try and keep it a little bit higher than what it is without going too crazy on the risk. One thing I'm going to consider if you're comfortable with this, and this is not me, like, trying to sell anything, but we do have an 85% SMA. And what it is is it's called a separately managed account where Oakview puts a bubble around the portfolio, and it actually aims for 85%. It basically means that we can chop and change investments throughout the year without having to update the plan, but it is actually built by us in conjunction with BlackRock. I'm not sure how it compares to your portfolio until I run the numbers, but I'm gonna consider that one if you're comfortable with that. Cool. Just makes things a bit more fluid. Like, if the world's going too crazy, we don't have to kind of chase you up to say, hey. I wanna switch this one option out. They'll just do that automatically once the investment committee meets. So I'll do a three way comparison there. I'll just base it on the contributions that are currently coming in. Do you want me to add any additionals in there or just the the current amount? Yep. Perfect. We've still got the legal personal representative nomination for the beneficiary in place. So aiming things towards the will and the power of attorney. So that's all good. Last couple of things I'll double check too. So insurances and goals wise, what's kind of the main focus for you for the next twelve months or so? Wow. Mhmm. Okay. Okay. Yeah. So you've gotta pretty much keep everything personal, financial wise stable. Let the business kind of focus in on what it's doing currently, let it play out, and then look at the rises after that. Yep. Yeah. And then you've still got the mortgage and the travel and everything, so plenty of plenty of things to focus on. Mhmm. Right. Right. To keep it coming through the door and and, again, keep the reception going so you can focus on the clients. Are you still focusing kind of cash flow neutral where whatever's sort of being drawn out is just being used rather than pulling off to the side? No. Why? Yeah. Because you're working on contractor getting the actual income in, and you're deviating your time towards training the employees. Jeez. Yeah. Oh, jeez. Do you think that'll finish off by the end of the year, or is that, like, a next year kind of thing? Yeah. Yeah. No choice. Yeah. Yeah. Absolutely. So if things go backwards, you've gotta kind of jump on it pretty quickly. If there's a if there's a possibility of potentially going p a y g again, I was just thinking with the the income protection you've got with TAL, should we sort of keep it as is at the $763.05 a month cover if there's a possibility of your, I guess, technically, wages going up. Right. Yeah. And what I'm thinking for the the towel policy is they've got you insured for $1.30 of provable income. So I was wondering, do we trim it back down, but then if you try to increase it again, you have to go through underwriting? Do we leave that there as a buffer for if the wages go above $1.12 gross? K. What about the life insurance and disability? There's 950,000 of those. Yep. Like we talked about, it's the TPD is probably the big one for you. The life insurance is keeping it cheaper. That clears the mortgage, another half mil. And then with the super and the insurance, you'd have 700,000 left over, a little bit of tax off of that, maybe renovate if you need to for wheelchair access, and then you've got that money to live off up until retirement. Cool. So because it's the September 23 and the next premiums are on the November 1, I'll leave it as it is. It'll pay it for twelve months. If we make any changes to it next year, again, they do refunds pro rata if we do something halfway through the year. Yeah. Pretty much. And then we'd play around with the levers in terms of the benefit period and whatnot, just try and keep the premiums good. So what we do then is instead of that four week waiting period, if we increase the cover later, we can kick that out to sixty or ninety days, and that'll drop the premium significantly just to make sure that as you go through the fifties because, again, this is gonna jump up even though towel's the best at keeping it low. The fifties is where it gets a bit like a hockey stick, and it's, like, you know, 1,000 this year and then 2,000 next year, another 3,000 the year after. So I need to sort of balance it with your income need and then the levers I've got to keep the premiums lower. Yes. Yeah. So when I go through this updated plan just to tweak the super a little bit, do you want me to put in for a catch up in, say, six months time just to see if that has occurred and changed to look at alterations or just leave it for the annual review? And then what would you prefer? Yep. No. That's fine. Absolutely. So we'll do the super advice now. I'll plug in for, like, a March catch up just to see how the the employment and insurances look, and then we can kind of update any goals or anything at that point too. Outside of that, anything else you can think of that we need to sort of focus on right now? One thing I will do as well, when I send you out the annual review pack, we've got new discounted tiered fee structure for Oakview. So for us, our advice fees, we've just brought out some new tiered discounts. I'll send you a financial services guide that includes a full breakdown of how the tiers work. But, essentially, everyone above 200,000, there's a percentage discount and another one after 500,000, but we chop it as, like, a flat fee. So rather than it floating with your balance up, it'll just be one flat fee based on the tier that you're at, and there'll be a discount applied. So if you're comfortable with that, I would get Michelle to put in place just an updated structure on the new consent form, and I'll send that through with the annual review pack. Is that okay? Cool. It'll have your certificates of currency, the the hub reports, and everything. And then in a couple of weeks' time, we'll just book in to run through the updated tweaks, the investments. Awesome. Alright. Well, glad to not too bad with one stone there. So we've got yeah. Definitely not the TPD support option with TOW. We're not going for that. We will focus on income protection sustainability over the next couple of years, let you enjoy fixing up the employment side. Click super, and then we should be good to go from there. Fingers crossed, Sally. Fingers crossed. Alrighty. Well, thank you for spending a bit of time with me. I do appreciate that when life gets crazy and busy, it's hard to kind of link up with the planner and the accountant all the time. But, again, for the forty minutes of time, really helps me being able to tackle a few options for you, and then that runs a bit smoother in the background. No worries at all. I will talk to you in a couple of weeks. Thanks, Shelby. 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afternoon, Sally. It's Tommy here. How are you doing? Oh, no. I'm getting mixed in with spam at 02:15.\n\nThat's horrible. Oh, good stuff. I appreciate you prioritizing me over the old Google Maps scam artist. I appreciate it. Oh, look.\n\nIt's been fantastic. It's bright, Sunny. Everything's been going great so far, and I have a little bit of information for you today. What I'll do is I'll just go through quick usual security check, and that way I can kind of dive into it a bit deeper with you. If I could please confirm your date of birth and address that we'd have on file.\n\nSensational. And I'm registered with adviser 1273105. Sal, are you okay for the call to be recorded? Perfect. First thing I wanted to ask you though is with the emails that you got from Tal, what were your thoughts when you received those emails?\n\nMhmm. Right. Yeah. You've yeah. You've That's it.\n\nSo you you've hit the nail on the head exactly. The whole point behind the product is that they've noticed that mental health, chronic fatigue, neurological disorders can be ongoing for a large period of time. So they're basically offering premium discounts to chop it up into five yearly payments, and you've got to get, like, assessed every year to keep getting the 20%. It depends. So most of the time, it's down to the doctors and at what threshold would they declare you as unlikely to ever return to work.\n\nIt used to be unable to, which is yeah. Yeah. And it used to be sorry? It used to be a much stricter definition where the insurers would get out of it because the doctor would have to say that you're unable to ever, and no doctor's gonna sign off saying, well, I can't say that, you know, unable to ever return to work. It's unlikely, but not unable, and that would be the one key word.\n\nAnd some policies had unable, some had unlikely, and now it's all been brought into line where everyone goes off the unlikely, which is as far as doctors are pretty much allowed to go. Otherwise, they will get sued if they start saying that. Yeah. And I did see. Oh, no premium phrase.\n\nYeah. Ross. And there's another fun loop hole too. So with this new product that they've got, it carves out the those conditions, the mental health, the the fatigue, the neurological. And, well, it says that if you claim on those, there's your five part payments.\n\nBut what it does is it makes it cheaper for you to get any occupation and own occupation, but you can't be assessed under those conditions under own occupation if you have it. It carves it off to the side. So it can lower a premium to get own occupation, but then you can't actually use that definition on those conditions, which I find to be yeah. Yep. And then what that would do to you financially depending on what they say, it's just a recurring headache.\n\nWe ended up going to a seminar with Brighter Super and Tal, and it was a group of advisers, about 30 of us in attendance. They presented this new product to the room, and we grilled them on the exact same thing, and they didn't really have any answers for it. The I guess the the one really good benefit of Tal compared to other insurers is they have the lowest consistent premium increases in the industry. That's their main calling card is you get cheaper cover that stays cheaper longer than the other providers. Everything else, they kind of lack a few features here and there compared to other products.\n\nSo maintaining it's great, but the new product, I'm not really sold on in unless it's very niche circumstances. Right. Yeah. That's actually exactly how it works as you go through new underwriting, and the medical gets checked again. So I did do some fun quotes where I thought, oh, this will actually lower the the entry for you to get, like, an occupation that we were looking for by a considerable amount, but then you wouldn't be able to claim those conditions under that definition anyway, which is why they've yep.\n\nSo you get the exclusion on the thumbs. And then on top of that, mental health conditions and everything would be carved away from the own occupation definition as well. So it's a it's a double negative. Yeah. They basically sold it as if you've got someone who's 30 year old, white collar, who generally deals with mental health stress, that they can get this really nice cheap product that can continuously pay them out lump sums every now and then for those areas, which is the the highest risk in white collar is the mental health side of things, and use that savings of premiums to build wealth elsewhere.\n\nThat's pretty much the niche. Anyone outside of that, not really suitable. And I did wanna say too that when the insurers have really bad automated emails when it comes to you know, your premium is due, so you I'll ask this even though it's about to come out of super. And I saw on the letter that they said you don't have TPD insurance, and I thought, oh, jeez. The fact that you've got two policies and they sent you this one saying, this is a new TPD support option.\n\nWhilst you don't currently have TPD insurance on this policy, we're required to send this notice to you as an advertisement. I just wanna let you know you do have the TPD still. It's just on the other policy. Yeah. Most of their letters just panic.\n\nCorrect. Yep. Let me see because we've got time frame. Yeah. Let me have a look at your account.\n\nSo if you just bear with me for a moment, I'm gonna just log in to the old super. Two factor authentication, always lovely. I hope we can get away from all this soon. The old email password, thumbprint, two factor, text card. It gets a bit excessive.\n\nOh, jeez. Here we go. Oh, no. I think at this point, it's probably coming closer to the stage where everyone's just gonna do things in person at some point because it's just getting too difficult over digital, and there's so much, you know, spam online. I'm just grabbing up your fax lines just to cook up that couple of details even though I did that recently.\n\nYeah. We've got the the reference date on Hub '24 is around about now. So that lines up pretty well. I just won't have the, like, document pack to send through to you until we generate it after the call. Okay.\n\nYeah. Yep. So Hub twenty four account, look at the current balance. I'm just generating some performance reports as well. So we got $2,134.23.\n\nPretty good progress on your account. Obviously, the market's kind of gone a bit topsy-turvy lately. We went from one ninety five March, the market dropped to $1.88, and now you're back up to $2.13. So it's bounced back pretty well. All the investments have grown very well except for one.\n\nI'm just gonna pull this one up. Do you usually log in to the hub at all and and keep an eye on it? Or yep. So the two things that I can see, so all the investment options you've got, you're kind of in that growth profile where it's not high risk. It's the one below that.\n\nIt's kind of like 80% shares property and gold rather than 90 to a 100. You've got most of the shares here, agriculture, cybersecurity, gold all up double digits, $1,119.23. One thing I'll probably have to change on the super is you've got some term deposits. There's a specific type of a term deposit that's being phased out next year, and I've got an option I can switch in for that one, which is all good. You've got one option, Bennelong, that's going down a bit, probably a bit quicker than the rest of the market has Australian shares options.\n\nI'm gonna have to probably switch that one out as well. Overall, the growth profile idea, again, hitting that consistent sort of eight to 9% returns, scaling it back when you're closer to retirement. Are you still kind of comfortable with that, you know, go for growth but not high risk? We've got so it's still positive for the year, about 6% after fees even though we've had that double drop, which is good. And then we've got the contributions.\n\nPhysio Fusion PTY LTD is coming in nice and consistent. They've switched you to $501.12 each time. Do you know what's going on in terms of the sort of payroll system for the contributions at all? Yeah. That's what I thought it was.\n\nYeah. Oh, you missed a couple. Yeah. Yeah. Oh, perfect.\n\nI saw the frequency switch, but it was four on the one day, and I thought, oh, okay. On the twelfth. Yep. So working that back, would you say the income's kind of set to that 180,000 per year then? Yep.\n\nRight. Yeah. I think we already had it between 108 to 112. We've got the fortnightly income coming out, which you were looking to possibly increase a little bit. Mortgage details updated, $4.30 and a mill on the property.\n\nWe've got the car updated as well and the health side of things. So no real changes to the assets or liabilities since we last spoke. Cool. And Yeah. Absolutely.\n\nSo the time frames wise, growth is kind of good for eight years and above, and high growth is kind of nine to ten years or above. So if we were gonna call it quits at 60 on the dot, you're kind of on the cusp of not really having the time to swing into high growth. You'd you'd caught sequencing risk where the market crashes, and you don't have enough time for it to build back up to where it needs to get the returns. The the yeah. So a bit of time there.\n\nThe I guess the the trade off that I would do is three things. You don't have to decide it today, but this is just kind of the options for you, is you either take on more risk to get a higher return. You put more contributions in to get, like, a safer trajectory. But I'm also gonna do a bit of an engine tune up on the super and two options on switching anyway, and that'll bump things up as well. So yeah.\n\nSo it fluctuates a little bit. It bounces between 80 to 85 at the moment. And if we tick it up a a category, you basically go between 90 to 95. Yeah. Because it it kind of moves that way already, and I think it would be sitting at, like, 83 if I was to kind of analyze it.\n\nYep. Absolutely. I probably wouldn't go much higher than that. Yeah. What I'll do is when I update the plan, I'll do the comparison of switching those two options out and what that looks like, and then I'll check out other portfolios, which might be a few percent more aggressive and see if they look pretty good in terms of fees and performance.\n\nYep. I'll have a look at those two. And the two other things that I'll kinda check is for the replacement options, whether it's new portfolio or the same one that I switch out, we can kind of go, like, a like for like replacement of that that option where it's actively managed. You pay a bit more to try and get higher returns, or we can go for, like, the lower fee index funds and switch one of those in. Do you have a kind of lean between the two between fees and performance, like a a gut feeling there?\n\nCool. I will go for the best recommendation I can, and I'll try and keep it a little bit higher than what it is without going too crazy on the risk. One thing I'm going to consider if you're comfortable with this, and this is not me, like, trying to sell anything, but we do have an 85% SMA. And what it is is it's called a separately managed account where Oakview puts a bubble around the portfolio, and it actually aims for 85%. It basically means that we can chop and change investments throughout the year without having to update the plan, but it is actually built by us in conjunction with BlackRock.\n\nI'm not sure how it compares to your portfolio until I run the numbers, but I'm gonna consider that one if you're comfortable with that. Cool. Just makes things a bit more fluid. Like, if the world's going too crazy, we don't have to kind of chase you up to say, hey. I wanna switch this one option out.\n\nThey'll just do that automatically once the investment committee meets. So I'll do a three way comparison there. I'll just base it on the contributions that are currently coming in. Do you want me to add any additionals in there or just the the current amount? Yep.\n\nPerfect. We've still got the legal personal representative nomination for the beneficiary in place. So aiming things towards the will and the power of attorney. So that's all good. Last couple of things I'll double check too.\n\nSo insurances and goals wise, what's kind of the main focus for you for the next twelve months or so? Wow. Mhmm. Okay. Okay.\n\nYeah. So you've gotta pretty much keep everything personal, financial wise stable. Let the business kind of focus in on what it's doing currently, let it play out, and then look at the rises after that. Yep. Yeah.\n\nAnd then you've still got the mortgage and the travel and everything, so plenty of plenty of things to focus on. Mhmm. Right. Right. To keep it coming through the door and and, again, keep the reception going so you can focus on the clients.\n\nAre you still focusing kind of cash flow neutral where whatever's sort of being drawn out is just being used rather than pulling off to the side? No. Why? Yeah. Because you're working on contractor getting the actual income in, and you're deviating your time towards training the employees.\n\nJeez. Yeah. Oh, jeez. Do you think that'll finish off by the end of the year, or is that, like, a next year kind of thing? Yeah.\n\nYeah. No choice. Yeah. Yeah. Absolutely.\n\nSo if things go backwards, you've gotta kind of jump on it pretty quickly. If there's a if there's a possibility of potentially going p a y g again, I was just thinking with the the income protection you've got with TAL, should we sort of keep it as is at the $763.05 a month cover if there's a possibility of your, I guess, technically, wages going up. Right. Yeah. And what I'm thinking for the the towel policy is they've got you insured for $1.30 of provable income.\n\nSo I was wondering, do we trim it back down, but then if you try to increase it again, you have to go through underwriting? Do we leave that there as a buffer for if the wages go above $1.12 gross? K. What about the life insurance and disability? There's 950,000 of those.\n\nYep. Like we talked about, it's the TPD is probably the big one for you. The life insurance is keeping it cheaper. That clears the mortgage, another half mil. And then with the super and the insurance, you'd have 700,000 left over, a little bit of tax off of that, maybe renovate if you need to for wheelchair access, and then you've got that money to live off up until retirement.\n\nCool. So because it's the September 23 and the next premiums are on the November 1, I'll leave it as it is. It'll pay it for twelve months. If we make any changes to it next year, again, they do refunds pro rata if we do something halfway through the year. Yeah.\n\nPretty much. And then we'd play around with the levers in terms of the benefit period and whatnot, just try and keep the premiums good. So what we do then is instead of that four week waiting period, if we increase the cover later, we can kick that out to sixty or ninety days, and that'll drop the premium significantly just to make sure that as you go through the fifties because, again, this is gonna jump up even though towel's the best at keeping it low. The fifties is where it gets a bit like a hockey stick, and it's, like, you know, 1,000 this year and then 2,000 next year, another 3,000 the year after. So I need to sort of balance it with your income need and then the levers I've got to keep the premiums lower.\n\nYes. Yeah. So when I go through this updated plan just to tweak the super a little bit, do you want me to put in for a catch up in, say, six months time just to see if that has occurred and changed to look at alterations or just leave it for the annual review? And then what would you prefer? Yep.\n\nNo. That's fine. Absolutely. So we'll do the super advice now. I'll plug in for, like, a March catch up just to see how the the employment and insurances look, and then we can kind of update any goals or anything at that point too.\n\nOutside of that, anything else you can think of that we need to sort of focus on right now? One thing I will do as well, when I send you out the annual review pack, we've got new discounted tiered fee structure for Oakview. So for us, our advice fees, we've just brought out some new tiered discounts. I'll send you a financial services guide that includes a full breakdown of how the tiers work. But, essentially, everyone above 200,000, there's a percentage discount and another one after 500,000, but we chop it as, like, a flat fee.\n\nSo rather than it floating with your balance up, it'll just be one flat fee based on the tier that you're at, and there'll be a discount applied. So if you're comfortable with that, I would get Michelle to put in place just an updated structure on the new consent form, and I'll send that through with the annual review pack. Is that okay? Cool. It'll have your certificates of currency, the the hub reports, and everything.\n\nAnd then in a couple of weeks' time, we'll just book in to run through the updated tweaks, the investments. Awesome. Alright. Well, glad to not too bad with one stone there. So we've got yeah.\n\nDefinitely not the TPD support option with TOW. We're not going for that. We will focus on income protection sustainability over the next couple of years, let you enjoy fixing up the employment side. Click super, and then we should be good to go from there. Fingers crossed, Sally.\n\nFingers crossed. Alrighty. Well, thank you for spending a bit of time with me. I do appreciate that when life gets crazy and busy, it's hard to kind of link up with the planner and the accountant all the time. But, again, for the forty minutes of time, really helps me being able to tackle a few options for you, and then that runs a bit smoother in the background.\n\nNo worries at all. I will talk to you in a couple of weeks. Thanks, Shelby. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Sally.","start":3.04,"end":4.08,"sentiment":"positive","sentiment_score":0.3650253713130951},{"text":"It's Tommy here.","start":4.08,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.2612547179063161},{"text":"How are you doing?","start":4.7999997,"end":5.62,"sentiment":"neutral","sentiment_score":0.27375850081443787},{"text":"Oh, no.","start":15.565001,"end":20.145,"sentiment":"negative","sentiment_score":-0.340138427913189},{"text":"I'm getting mixed in with spam at 02:15.","start":26.125,"end":28.445,"sentiment":"negative","sentiment_score":-0.4627867639064789}],"sentiment":"neutral","sentiment_score":-0.07043483480811119,"num_words":20,"start":3.04,"end":28.445},{"sentences":[{"text":"That's horrible.","start":28.445,"end":29.185,"sentiment":"negative","sentiment_score":-0.7246545553207397},{"text":"Oh, good stuff.","start":34.66,"end":35.379997,"sentiment":"neutral","sentiment_score":0.17494377245505652},{"text":"I appreciate you prioritizing me over the old Google Maps scam artist.","start":35.379997,"end":38.98,"sentiment":"neutral","sentiment_score":-0.03231602596739928},{"text":"I appreciate it.","start":38.98,"end":40.04,"sentiment":"neutral","sentiment_score":0.19023153682549795},{"text":"Oh, look.","start":44.795002,"end":45.115,"sentiment":"neutral","sentiment_score":0.2628059834241867}],"sentiment":"neutral","sentiment_score":-0.00981652398001064,"num_words":22,"start":28.445,"end":45.115},{"sentences":[{"text":"It's been fantastic.","start":45.115,"end":46.015,"sentiment":"positive","sentiment_score":0.6288450956344604},{"text":"It's bright, Sunny.","start":46.075,"end":47.695,"sentiment":"positive","sentiment_score":0.5423791805903116},{"text":"Everything's been going great so far, and I have a little bit of information for you today.","start":48.075,"end":54.415,"sentiment":"positive","sentiment_score":0.35431092276292686},{"text":"What I'll do is I'll just go through quick usual security check, and that way I can kind of dive into it a bit deeper with you.","start":55.195,"end":62.85,"sentiment":"neutral","sentiment_score":0.016678087137363577},{"text":"If I could please confirm your date of birth and address that we'd have on file.","start":63.469997,"end":67.65,"sentiment":"neutral","sentiment_score":0.018833269947208464}],"sentiment":"neutral","sentiment_score":0.15588786647739736,"num_words":66,"start":45.115,"end":67.65},{"sentences":[{"text":"Sensational.","start":72.565,"end":72.885,"sentiment":"neutral","sentiment_score":0.008659174665808678},{"text":"And I'm registered with adviser 1273105.","start":72.885,"end":76.905,"sentiment":"neutral","sentiment_score":0.006724980349342029},{"text":"Sal, are you okay for the call to be recorded?","start":77.365,"end":79.225,"sentiment":"neutral","sentiment_score":-0.007723685167729854},{"text":"Perfect.","start":80.965,"end":81.465,"sentiment":"neutral","sentiment_score":0.26182177662849426},{"text":"First thing I wanted to ask you though is with the emails that you got from Tal, what were your thoughts when you received those emails?","start":82.085,"end":89.95,"sentiment":"neutral","sentiment_score":-0.013918111960475262}],"sentiment":"neutral","sentiment_score":-0.002915384755893187,"num_words":44,"start":72.565,"end":89.95},{"sentences":[{"text":"Mhmm.","start":112.905,"end":113.25,"sentiment":"neutral","sentiment_score":-0.2072170525789261},{"text":"Right.","start":115.81,"end":116.31,"sentiment":"neutral","sentiment_score":-0.05641518905758858},{"text":"Yeah.","start":163.775,"end":164.07,"sentiment":"neutral","sentiment_score":-0.12585054337978363},{"text":"You've yeah.","start":205.88501,"end":207.265,"sentiment":"neutral","sentiment_score":-0.22735091298818588},{"text":"You've That's it.","start":210.925,"end":215.725,"sentiment":"neutral","sentiment_score":-0.10266633704304695}],"sentiment":"neutral","sentiment_score":-0.14402295276522636,"num_words":8,"start":112.905,"end":215.725},{"sentences":[{"text":"So you you've hit the nail on the head exactly.","start":215.725,"end":217.985,"sentiment":"neutral","sentiment_score":0.09191617742180824},{"text":"The whole point behind the product is that they've noticed that mental health, chronic fatigue, neurological disorders can be ongoing for a large period of time.","start":218.46,"end":227.26001,"sentiment":"neutral","sentiment_score":-0.05458094598725438},{"text":"So they're basically offering premium discounts to chop it up into five yearly payments, and you've got to get, like, assessed every year to keep getting the 20%.","start":227.26001,"end":236.885,"sentiment":"neutral","sentiment_score":0.08710088660674435},{"text":"It depends.","start":245.905,"end":246.545,"sentiment":"neutral","sentiment_score":-0.1441519446671009},{"text":"So most of the time, it's down to the doctors and at what threshold would they declare you as unlikely to ever return to work.","start":246.545,"end":254.64,"sentiment":"negative","sentiment_score":-0.3548265504837036}],"sentiment":"neutral","sentiment_score":-0.07934160052624704,"num_words":91,"start":215.725,"end":254.64},{"sentences":[{"text":"It used to be unable to, which is yeah.","start":256.62,"end":263.135,"sentiment":"neutral","sentiment_score":-0.23059041135840946},{"text":"Yeah.","start":272.155,"end":272.475,"sentiment":"neutral","sentiment_score":-0.09856542199850082},{"text":"And it used to be sorry?","start":272.475,"end":274.815,"sentiment":"neutral","sentiment_score":-0.08904249717791875},{"text":"It used to be a much stricter definition where the insurers would get out of it because the doctor would have to say that you're unable to ever, and no doctor's gonna sign off saying, well, I can't say that, you know, unable to ever return to work.","start":277.59003,"end":290.725,"sentiment":"neutral","sentiment_score":-0.22007861578216156},{"text":"It's unlikely, but not unable, and that would be the one key word.","start":290.725,"end":295.20502,"sentiment":"neutral","sentiment_score":-0.17204452936465925}],"sentiment":"neutral","sentiment_score":-0.20140891618929901,"num_words":77,"start":256.62,"end":295.20502},{"sentences":[{"text":"And some policies had unable, some had unlikely, and now it's all been brought into line where everyone goes off the unlikely, which is as far as doctors are pretty much allowed to go.","start":295.20502,"end":307.89,"sentiment":"neutral","sentiment_score":-0.20274233686573365},{"text":"Otherwise, they will get sued if they start saying that.","start":307.89,"end":310.31,"sentiment":"negative","sentiment_score":-0.6850734055042267},{"text":"Yeah.","start":337.08002,"end":337.32,"sentiment":"neutral","sentiment_score":-0.02291649393737316},{"text":"And I did see.","start":337.32,"end":338.46,"sentiment":"neutral","sentiment_score":-0.050108191557228565},{"text":"Oh, no premium phrase.","start":347.64,"end":351.64502,"sentiment":"neutral","sentiment_score":-0.19512664899230003}],"sentiment":"neutral","sentiment_score":-0.27826093140778674,"num_words":53,"start":295.20502,"end":351.64502},{"sentences":[{"text":"Yeah.","start":360.505,"end":361.005,"sentiment":"neutral","sentiment_score":-0.062424421310424805},{"text":"Ross.","start":375.49,"end":375.765,"sentiment":"negative","sentiment_score":-0.3782098889350891},{"text":"And there's another fun loop hole too.","start":389.125,"end":390.84,"sentiment":"negative","sentiment_score":-0.5460787628378186},{"text":"So with this new product that they've got, it carves out the those conditions, the mental health, the the fatigue, the neurological.","start":390.84,"end":400.21997,"sentiment":"negative","sentiment_score":-0.417620448903604},{"text":"And, well, it says that if you claim on those, there's your five part payments.","start":401.0,"end":407.155,"sentiment":"neutral","sentiment_score":0.00927116305877765}],"sentiment":"neutral","sentiment_score":-0.2893862626110406,"num_words":46,"start":360.505,"end":407.155},{"sentences":[{"text":"But what it does is it makes it cheaper for you to get any occupation and own occupation, but you can't be assessed under those conditions under own occupation if you have it.","start":407.155,"end":419.34,"sentiment":"neutral","sentiment_score":0.034492359750650146},{"text":"It carves it off to the side.","start":419.34,"end":421.04,"sentiment":"neutral","sentiment_score":-0.019616006474409784},{"text":"So it can lower a premium to get own occupation, but then you can't actually use that definition on those conditions, which I find to be yeah.","start":421.1,"end":435.1325,"sentiment":"neutral","sentiment_score":-0.10192797905593007},{"text":"Yep.","start":459.895,"end":460.135,"sentiment":"neutral","sentiment_score":-0.23207902908325195},{"text":"And then what that would do to you financially depending on what they say, it's just a recurring headache.","start":460.135,"end":465.35498,"sentiment":"negative","sentiment_score":-0.4447520641904128}],"sentiment":"neutral","sentiment_score":-0.11992514777885771,"num_words":87,"start":407.155,"end":465.35498},{"sentences":[{"text":"We ended up going to a seminar with Brighter Super and Tal, and it was a group of advisers, about 30 of us in attendance.","start":467.01498,"end":475.73,"sentiment":"neutral","sentiment_score":-0.008739417046308517},{"text":"They presented this new product to the room, and we grilled them on the exact same thing, and they didn't really have any answers for it.","start":476.19,"end":483.735,"sentiment":"neutral","sentiment_score":-0.05206717428966211},{"text":"The I guess the the one really good benefit of Tal compared to other insurers is they have the lowest consistent premium increases in the industry.","start":484.215,"end":494.31497,"sentiment":"neutral","sentiment_score":0.17461313106692755},{"text":"That's their main calling card is you get cheaper cover that stays cheaper longer than the other providers.","start":494.775,"end":500.85,"sentiment":"neutral","sentiment_score":0.17267927899956703},{"text":"Everything else, they kind of lack a few features here and there compared to other products.","start":501.23,"end":505.25,"sentiment":"negative","sentiment_score":-0.4155416978755966}],"sentiment":"neutral","sentiment_score":-0.00515973598167703,"num_words":111,"start":467.01498,"end":505.25},{"sentences":[{"text":"So maintaining it's great, but the new product, I'm not really sold on in unless it's very niche circumstances.","start":506.35,"end":512.775,"sentiment":"negative","sentiment_score":-0.4526641262989295},{"text":"Right.","start":536.94,"end":537.195,"sentiment":"neutral","sentiment_score":-0.028894945979118347},{"text":"Yeah.","start":569.905,"end":570.405,"sentiment":"neutral","sentiment_score":-0.10146698355674744},{"text":"That's actually exactly how it works as you go through new underwriting, and the medical gets checked again.","start":582.72003,"end":588.74005,"sentiment":"neutral","sentiment_score":0.03978400372175707},{"text":"So I did do some fun quotes where I thought, oh, this will actually lower the the entry for you to get, like, an occupation that we were looking for by a considerable amount, but then you wouldn't be able to claim those conditions under that definition anyway, which is why they've yep.","start":592.315,"end":608.73004,"sentiment":"neutral","sentiment_score":-0.002878554516805793}],"sentiment":"neutral","sentiment_score":-0.08877643099581094,"num_words":92,"start":506.35,"end":608.73004},{"sentences":[{"text":"So you get the exclusion on the thumbs.","start":608.73004,"end":610.67004,"sentiment":"neutral","sentiment_score":-0.2711991388350725},{"text":"And then on top of that, mental health conditions and everything would be carved away from the own occupation definition as well.","start":610.97003,"end":618.19,"sentiment":"neutral","sentiment_score":-0.32114691016348923},{"text":"So it's a it's a double negative.","start":618.33,"end":619.935,"sentiment":"negative","sentiment_score":-0.42831928176539286},{"text":"Yeah.","start":631.455,"end":631.855,"sentiment":"neutral","sentiment_score":-0.16365623474121094},{"text":"They basically sold it as if you've got someone who's 30 year old, white collar, who generally deals with mental health stress, that they can get this really nice cheap product that can continuously pay them out lump sums every now and then for those areas, which is the the highest risk in white collar is the mental health side of things, and use that savings of premiums to build wealth elsewhere.","start":631.855,"end":654.215,"sentiment":"neutral","sentiment_score":-0.08961411979463366}],"sentiment":"neutral","sentiment_score":-0.17135393605990842,"num_words":110,"start":608.73004,"end":654.215},{"sentences":[{"text":"That's pretty much the niche.","start":654.59503,"end":655.875,"sentiment":"neutral","sentiment_score":-0.20466553717851638},{"text":"Anyone outside of that, not really suitable.","start":655.875,"end":658.295,"sentiment":"negative","sentiment_score":-0.4821500650474003},{"text":"And I did wanna say too that when the insurers have really bad automated emails when it comes to you know, your premium is due, so you I'll ask this even though it's about to come out of super.","start":661.395,"end":671.2,"sentiment":"neutral","sentiment_score":-0.31969191974554306},{"text":"And I saw on the letter that they said you don't have TPD insurance, and I thought, oh, jeez.","start":671.42,"end":676.56,"sentiment":"neutral","sentiment_score":-0.22601349259677686},{"text":"The fact that you've got two policies and they sent you this one saying, this is a new TPD support option.","start":676.76495,"end":682.125,"sentiment":"neutral","sentiment_score":-0.14208908875783285}],"sentiment":"neutral","sentiment_score":-0.26532406851158036,"num_words":91,"start":654.59503,"end":682.125},{"sentences":[{"text":"Whilst you don't currently have TPD insurance on this policy, we're required to send this notice to you as an advertisement.","start":682.125,"end":688.865,"sentiment":"neutral","sentiment_score":-0.11446240952327139},{"text":"I just wanna let you know you do have the TPD still.","start":689.67,"end":691.83,"sentiment":"neutral","sentiment_score":0.065026197116822},{"text":"It's just on the other policy.","start":691.83,"end":693.05,"sentiment":"neutral","sentiment_score":-0.022864825402696926},{"text":"Yeah.","start":702.79,"end":703.035,"sentiment":"neutral","sentiment_score":-0.005730858072638512},{"text":"Most of their letters just panic.","start":707.915,"end":709.615,"sentiment":"neutral","sentiment_score":-0.28348161776860553}],"sentiment":"neutral","sentiment_score":-0.07537403808015844,"num_words":46,"start":682.125,"end":709.615},{"sentences":[{"text":"Correct.","start":716.15497,"end":716.58,"sentiment":"neutral","sentiment_score":0.015496734529733658},{"text":"Yep.","start":717.14,"end":717.64,"sentiment":"neutral","sentiment_score":-0.05463400110602379},{"text":"Let me see because we've got time frame.","start":725.62,"end":730.28,"sentiment":"neutral","sentiment_score":-0.03606505342759192},{"text":"Yeah.","start":735.235,"end":735.735,"sentiment":"neutral","sentiment_score":0.007274432107806206},{"text":"Let me have a look at your account.","start":737.71497,"end":740.535,"sentiment":"neutral","sentiment_score":0.043060035444796085}],"sentiment":"neutral","sentiment_score":0.0012682642983762843,"num_words":19,"start":716.15497,"end":740.535},{"sentences":[{"text":"So if you just bear with me for a moment, I'm gonna just log in to the old super.","start":744.915,"end":748.07,"sentiment":"neutral","sentiment_score":0.022451878476299737},{"text":"Two factor authentication, always lovely.","start":752.52997,"end":754.95,"sentiment":"neutral","sentiment_score":0.2282126784324646},{"text":"I hope we can get away from all this soon.","start":755.88995,"end":757.64996,"sentiment":"neutral","sentiment_score":-0.2664443999528885},{"text":"The old email password, thumbprint, two factor, text card.","start":757.64996,"end":761.795,"sentiment":"neutral","sentiment_score":-0.25715776450104183},{"text":"It gets a bit excessive.","start":761.855,"end":763.075,"sentiment":"negative","sentiment_score":-0.3333370327949524}],"sentiment":"neutral","sentiment_score":-0.10578958251668762,"num_words":48,"start":744.915,"end":763.075},{"sentences":[{"text":"Oh, jeez.","start":778.44,"end":779.26,"sentiment":"neutral","sentiment_score":-0.07635892182588577},{"text":"Here we go.","start":780.2,"end":781.1,"sentiment":"neutral","sentiment_score":-0.052261486649513245},{"text":"Oh, no.","start":786.52,"end":787.34,"sentiment":"neutral","sentiment_score":-0.15835142135620117},{"text":"I think at this point, it's probably coming closer to the stage where everyone's just gonna do things in person at some point because it's just getting too difficult over digital, and there's so much, you know, spam online.","start":795.125,"end":806.02997,"sentiment":"neutral","sentiment_score":-0.29175398212212783},{"text":"I'm just grabbing up your fax lines just to cook up that couple of details even though I did that recently.","start":806.73,"end":811.87,"sentiment":"neutral","sentiment_score":-0.3162406739734468}],"sentiment":"neutral","sentiment_score":-0.2782935015301206,"num_words":67,"start":778.44,"end":811.87},{"sentences":[{"text":"Yeah.","start":812.25,"end":812.57,"sentiment":"neutral","sentiment_score":-0.059722013771533966},{"text":"We've got the the reference date on Hub '24 is around about now.","start":812.57,"end":817.975,"sentiment":"neutral","sentiment_score":-0.002602207402770336},{"text":"So that lines up pretty well.","start":818.675,"end":821.175,"sentiment":"neutral","sentiment_score":0.0425247090558211},{"text":"I just won't have the, like, document pack to send through to you until we generate it after the call.","start":821.875,"end":826.855,"sentiment":"neutral","sentiment_score":-0.14876794926822184},{"text":"Okay.","start":830.195,"end":830.695,"sentiment":"neutral","sentiment_score":0.052683159708976746}],"sentiment":"neutral","sentiment_score":-0.06734337271531908,"num_words":41,"start":812.25,"end":830.695},{"sentences":[{"text":"Yeah.","start":835.09,"end":835.49005,"sentiment":"neutral","sentiment_score":0.05021087825298309},{"text":"Yep.","start":835.49005,"end":835.99005,"sentiment":"neutral","sentiment_score":-0.003633824409916997},{"text":"So Hub twenty four account, look at the current balance.","start":836.85004,"end":840.53,"sentiment":"neutral","sentiment_score":0.0497923132032156},{"text":"I'm just generating some performance reports as well.","start":840.53,"end":842.93005,"sentiment":"neutral","sentiment_score":0.10728583484888077},{"text":"So we got $2,134.23.","start":842.93005,"end":846.735,"sentiment":"neutral","sentiment_score":0.1793925240635872}],"sentiment":"neutral","sentiment_score":0.0883482067050257,"num_words":24,"start":835.09,"end":846.735},{"sentences":[{"text":"Pretty good progress on your account.","start":848.955,"end":850.475,"sentiment":"positive","sentiment_score":0.668712317943573},{"text":"Obviously, the market's kind of gone a bit topsy-turvy lately.","start":850.475,"end":853.455,"sentiment":"neutral","sentiment_score":-0.17524559944868087},{"text":"We went from one ninety five March, the market dropped to $1.88, and now you're back up to $2.13.","start":855.115,"end":861.42,"sentiment":"neutral","sentiment_score":-0.06894675740285923},{"text":"So it's bounced back pretty well.","start":862.19995,"end":863.89996,"sentiment":"positive","sentiment_score":0.4583456963300705},{"text":"All the investments have grown very well except for one.","start":865.48,"end":868.04,"sentiment":"positive","sentiment_score":0.5146311193704605}],"sentiment":"neutral","sentiment_score":0.17345519400402612,"num_words":51,"start":848.955,"end":868.04},{"sentences":[{"text":"I'm just gonna pull this one up.","start":868.04,"end":869.685,"sentiment":"neutral","sentiment_score":0.12919541554791586},{"text":"Do you usually log in to the hub at all and and keep an eye on it?","start":869.765,"end":872.885,"sentiment":"neutral","sentiment_score":0.02986846973790842},{"text":"Or yep.","start":872.885,"end":880.025,"sentiment":"neutral","sentiment_score":0.017828159499913454},{"text":"So the two things that I can see, so all the investment options you've got, you're kind of in that growth profile where it's not high risk.","start":880.485,"end":886.68,"sentiment":"neutral","sentiment_score":0.07440687791892776},{"text":"It's the one below that.","start":886.68,"end":887.95996,"sentiment":"neutral","sentiment_score":0.0769329845905304}],"sentiment":"neutral","sentiment_score":0.06623170414040315,"num_words":58,"start":868.04,"end":887.95996},{"sentences":[{"text":"It's kind of like 80% shares property and gold rather than 90 to a 100.","start":887.95996,"end":892.86,"sentiment":"neutral","sentiment_score":0.06175109520554543},{"text":"You've got most of the shares here, agriculture, cybersecurity, gold all up double digits, $1,119.23.","start":893.39996,"end":903.035,"sentiment":"neutral","sentiment_score":0.08818265795707703},{"text":"One thing I'll probably have to change on the super is you've got some term deposits.","start":904.295,"end":909.035,"sentiment":"neutral","sentiment_score":0.004948186673573218},{"text":"There's a specific type of a term deposit that's being phased out next year, and I've got an option I can switch in for that one, which is all good.","start":909.6,"end":917.46,"sentiment":"neutral","sentiment_score":0.05312745648746689},{"text":"You've got one option, Bennelong, that's going down a bit, probably a bit quicker than the rest of the market has Australian shares options.","start":917.6,"end":924.735,"sentiment":"neutral","sentiment_score":0.04266040733394524}],"sentiment":"neutral","sentiment_score":0.04945850754855201,"num_words":100,"start":887.95996,"end":924.735},{"sentences":[{"text":"I'm gonna have to probably switch that one out as well.","start":924.735,"end":926.995,"sentiment":"neutral","sentiment_score":0.018342151391235264},{"text":"Overall, the growth profile idea, again, hitting that consistent sort of eight to 9% returns, scaling it back when you're closer to retirement.","start":928.815,"end":939.07996,"sentiment":"neutral","sentiment_score":0.13701544491493184},{"text":"Are you still kind of comfortable with that, you know, go for growth but not high risk?","start":939.07996,"end":942.94,"sentiment":"neutral","sentiment_score":0.02149384019567686},{"text":"We've got so it's still positive for the year, about 6% after fees even though we've had that double drop, which is good.","start":946.83997,"end":954.175,"sentiment":"positive","sentiment_score":0.4030782930229021},{"text":"And then we've got the contributions.","start":956.395,"end":958.015,"sentiment":"neutral","sentiment_score":0.27432697514692944}],"sentiment":"neutral","sentiment_score":0.18294095965102314,"num_words":80,"start":924.735,"end":958.015},{"sentences":[{"text":"Physio Fusion PTY LTD is coming in nice and consistent.","start":960.075,"end":963.53503,"sentiment":"positive","sentiment_score":0.423612043261528},{"text":"They've switched you to $501.12 each time.","start":964.93,"end":972.69,"sentiment":"neutral","sentiment_score":0.08609899027006966},{"text":"Do you know what's going on in terms of the sort of payroll system for the contributions at all?","start":972.69,"end":977.59,"sentiment":"neutral","sentiment_score":0.020017609392341814},{"text":"Yeah.","start":992.135,"end":992.635,"sentiment":"neutral","sentiment_score":0.015921249985694885},{"text":"That's what I thought it was.","start":993.175,"end":994.455,"sentiment":"neutral","sentiment_score":-0.008202677282194296}],"sentiment":"neutral","sentiment_score":0.1206012355640184,"num_words":43,"start":960.075,"end":994.455},{"sentences":[{"text":"Yeah.","start":994.455,"end":994.89,"sentiment":"neutral","sentiment_score":0.02355192042887211},{"text":"Oh, you missed a couple.","start":1002.97003,"end":1004.11,"sentiment":"neutral","sentiment_score":-0.061217927187681195},{"text":"Yeah.","start":1013.78503,"end":1014.28503,"sentiment":"neutral","sentiment_score":-0.03732996806502342},{"text":"Yeah.","start":1023.61005,"end":1024.1101,"sentiment":"neutral","sentiment_score":-0.08489672839641571},{"text":"Oh, perfect.","start":1046.505,"end":1047.165,"sentiment":"neutral","sentiment_score":0.11971402913331985}],"sentiment":"neutral","sentiment_score":-0.01653363537043333,"num_words":10,"start":994.455,"end":1047.165},{"sentences":[{"text":"I saw the frequency switch, but it was four on the one day, and I thought, oh, okay.","start":1047.865,"end":1052.5299,"sentiment":"neutral","sentiment_score":-0.29456837351123494},{"text":"On the twelfth.","start":1053.63,"end":1054.61,"sentiment":"neutral","sentiment_score":-0.04557197168469429},{"text":"Yep.","start":1054.9099,"end":1055.4099,"sentiment":"neutral","sentiment_score":0.04663658142089844},{"text":"So working that back, would you say the income's kind of set to that 180,000 per year then?","start":1059.07,"end":1065.695,"sentiment":"neutral","sentiment_score":0.08636638749804762},{"text":"Yep.","start":1067.835,"end":1068.335,"sentiment":"neutral","sentiment_score":0.1201593279838562}],"sentiment":"neutral","sentiment_score":-0.09067209155821218,"num_words":41,"start":1047.865,"end":1068.335},{"sentences":[{"text":"Right.","start":1068.7949,"end":1069.2949,"sentiment":"neutral","sentiment_score":0.14152708649635315},{"text":"Yeah.","start":1069.6749,"end":1069.9149,"sentiment":"neutral","sentiment_score":0.11087526381015778},{"text":"I think we already had it between 108 to 112.","start":1069.9149,"end":1073.0549,"sentiment":"neutral","sentiment_score":0.10866295024752617},{"text":"We've got the fortnightly income coming out, which you were looking to possibly increase a little bit.","start":1073.195,"end":1078.53,"sentiment":"neutral","sentiment_score":0.2244271259097492},{"text":"Mortgage details updated, $4.30 and a mill on the property.","start":1079.07,"end":1082.77,"sentiment":"neutral","sentiment_score":0.16747662276029587}],"sentiment":"neutral","sentiment_score":0.17510408258590943,"num_words":39,"start":1068.7949,"end":1082.77},{"sentences":[{"text":"We've got the car updated as well and the health side of things.","start":1082.9099,"end":1088.03,"sentiment":"neutral","sentiment_score":0.22179696766229776},{"text":"So no real changes to the assets or liabilities since we last spoke.","start":1088.03,"end":1091.265,"sentiment":"neutral","sentiment_score":0.07884490776520509},{"text":"Cool.","start":1093.265,"end":1093.765,"sentiment":"neutral","sentiment_score":0.28528332710266113},{"text":"And Yeah.","start":1094.0651,"end":1114.42,"sentiment":"neutral","sentiment_score":-0.03978585172444582},{"text":"Absolutely.","start":1114.56,"end":1115.06,"sentiment":"neutral","sentiment_score":0.040867287665605545}],"sentiment":"neutral","sentiment_score":0.13849744306256373,"num_words":30,"start":1082.9099,"end":1115.06},{"sentences":[{"text":"So the time frames wise, growth is kind of good for eight years and above, and high growth is kind of nine to ten years or above.","start":1116.1549,"end":1124.575,"sentiment":"neutral","sentiment_score":-0.0007695573623533602},{"text":"So if we were gonna call it quits at 60 on the dot, you're kind of on the cusp of not really having the time to swing into high growth.","start":1124.715,"end":1132.93,"sentiment":"negative","sentiment_score":-0.3473170836766561},{"text":"You'd you'd caught sequencing risk where the market crashes, and you don't have enough time for it to build back up to where it needs to get the returns.","start":1134.1901,"end":1140.615,"sentiment":"neutral","sentiment_score":-0.31219734611182376},{"text":"The the yeah.","start":1142.375,"end":1148.535,"sentiment":"neutral","sentiment_score":-0.018236072113116588},{"text":"So a bit of time there.","start":1148.535,"end":1149.735,"sentiment":"neutral","sentiment_score":-0.04445552763839563}],"sentiment":"neutral","sentiment_score":-0.20858373661574564,"num_words":95,"start":1116.1549,"end":1149.735},{"sentences":[{"text":"The I guess the the trade off that I would do is three things.","start":1149.735,"end":1153.62,"sentiment":"neutral","sentiment_score":-0.059816594634737284},{"text":"You don't have to decide it today, but this is just kind of the options for you, is you either take on more risk to get a higher return.","start":1153.62,"end":1159.56,"sentiment":"neutral","sentiment_score":-0.07978103772319596},{"text":"You put more contributions in to get, like, a safer trajectory.","start":1159.86,"end":1164.2001,"sentiment":"neutral","sentiment_score":0.004322651773691177},{"text":"But I'm also gonna do a bit of an engine tune up on the super and two options on switching anyway, and that'll bump things up as well.","start":1164.98,"end":1171.6951,"sentiment":"neutral","sentiment_score":0.1844791453331709},{"text":"So yeah.","start":1171.995,"end":1180.7151,"sentiment":"neutral","sentiment_score":0.046391830779612064}],"sentiment":"neutral","sentiment_score":0.025650791446900086,"num_words":84,"start":1149.735,"end":1180.7151},{"sentences":[{"text":"So it fluctuates a little bit.","start":1180.7151,"end":1182.155,"sentiment":"neutral","sentiment_score":-0.03253542942305406},{"text":"It bounces between 80 to 85 at the moment.","start":1182.155,"end":1184.77,"sentiment":"neutral","sentiment_score":0.05408941995766428},{"text":"And if we tick it up a a category, you basically go between 90 to 95.","start":1184.77,"end":1189.11,"sentiment":"neutral","sentiment_score":0.059215235291048884},{"text":"Yeah.","start":1193.25,"end":1193.57,"sentiment":"neutral","sentiment_score":-0.03639444336295128},{"text":"Because it it kind of moves that way already, and I think it would be sitting at, like, 83 if I was to kind of analyze it.","start":1193.57,"end":1206.975,"sentiment":"neutral","sentiment_score":0.01624113273013521}],"sentiment":"neutral","sentiment_score":0.02781613742522264,"num_words":59,"start":1180.7151,"end":1206.975},{"sentences":[{"text":"Yep.","start":1213.195,"end":1213.595,"sentiment":"neutral","sentiment_score":0.13961531221866608},{"text":"Absolutely.","start":1213.595,"end":1214.095,"sentiment":"neutral","sentiment_score":0.10076487064361572},{"text":"I probably wouldn't go much higher than that.","start":1214.155,"end":1225.235,"sentiment":"neutral","sentiment_score":-0.037744328612461686},{"text":"Yeah.","start":1227.93,"end":1228.43,"sentiment":"neutral","sentiment_score":0.03655298799276352},{"text":"What I'll do is when I update the plan, I'll do the comparison of switching those two options out and what that looks like, and then I'll check out other portfolios, which might be a few percent more aggressive and see if they look pretty good in terms of fees and performance.","start":1231.445,"end":1246.905,"sentiment":"neutral","sentiment_score":0.2269415123244891}],"sentiment":"neutral","sentiment_score":0.18691963782267912,"num_words":63,"start":1213.195,"end":1246.905},{"sentences":[{"text":"Yep.","start":1257.74,"end":1258.24,"sentiment":"neutral","sentiment_score":0.06916099786758423},{"text":"I'll have a look at those two.","start":1265.845,"end":1267.4451,"sentiment":"neutral","sentiment_score":0.03355066744344575},{"text":"And the two other things that I'll kinda check is for the replacement options, whether it's new portfolio or the same one that I switch out, we can kind of go, like, a like for like replacement of that that option where it's actively managed.","start":1267.4451,"end":1282.48,"sentiment":"neutral","sentiment_score":0.05514630762239297},{"text":"You pay a bit more to try and get higher returns, or we can go for, like, the lower fee index funds and switch one of those in.","start":1282.48,"end":1290.0,"sentiment":"neutral","sentiment_score":0.0711940417864493},{"text":"Do you have a kind of lean between the two between fees and performance, like a a gut feeling there?","start":1290.0,"end":1295.575,"sentiment":"neutral","sentiment_score":-0.04549802555702627}],"sentiment":"neutral","sentiment_score":0.03830764526593508,"num_words":101,"start":1257.74,"end":1295.575},{"sentences":[{"text":"Cool.","start":1298.2749,"end":1298.7749,"sentiment":"positive","sentiment_score":0.4522337317466736},{"text":"I will go for the best recommendation I can, and I'll try and keep it a little bit higher than what it is without going too crazy on the risk.","start":1299.6349,"end":1307.2301,"sentiment":"positive","sentiment_score":0.3479646590848764},{"text":"One thing I'm going to consider if you're comfortable with this, and this is not me, like, trying to sell anything, but we do have an 85% SMA.","start":1307.29,"end":1315.7101,"sentiment":"neutral","sentiment_score":0.10181419777550868},{"text":"And what it is is it's called a separately managed account where Oakview puts a bubble around the portfolio, and it actually aims for 85%.","start":1316.3301,"end":1324.795,"sentiment":"neutral","sentiment_score":0.14180683076381684},{"text":"It basically means that we can chop and change investments throughout the year without having to update the plan, but it is actually built by us in conjunction with BlackRock.","start":1325.415,"end":1334.36,"sentiment":"neutral","sentiment_score":0.12744022806485494}],"sentiment":"neutral","sentiment_score":0.18517849695656383,"num_words":114,"start":1298.2749,"end":1334.36},{"sentences":[{"text":"I'm not sure how it compares to your portfolio until I run the numbers, but I'm gonna consider that one if you're comfortable with that.","start":1335.62,"end":1341.64,"sentiment":"neutral","sentiment_score":0.07280765920877456},{"text":"Cool.","start":1343.46,"end":1343.895,"sentiment":"positive","sentiment_score":0.5031181573867798},{"text":"Just makes things a bit more fluid.","start":1343.975,"end":1345.415,"sentiment":"neutral","sentiment_score":0.33252636449677603},{"text":"Like, if the world's going too crazy, we don't have to kind of chase you up to say, hey.","start":1345.415,"end":1349.095,"sentiment":"neutral","sentiment_score":0.2101391530350635},{"text":"I wanna switch this one option out.","start":1349.095,"end":1350.615,"sentiment":"neutral","sentiment_score":0.19691135627882822}],"sentiment":"neutral","sentiment_score":0.16986470492714542,"num_words":59,"start":1335.62,"end":1350.615},{"sentences":[{"text":"They'll just do that automatically once the investment committee meets.","start":1350.615,"end":1353.995,"sentiment":"neutral","sentiment_score":0.17671728059649466},{"text":"So I'll do a three way comparison there.","start":1355.975,"end":1358.59,"sentiment":"neutral","sentiment_score":0.2155592842027545},{"text":"I'll just base it on the contributions that are currently coming in.","start":1358.59,"end":1361.31,"sentiment":"neutral","sentiment_score":0.15278049806753793},{"text":"Do you want me to add any additionals in there or just the the current amount?","start":1361.31,"end":1365.49,"sentiment":"neutral","sentiment_score":0.05797731876373291},{"text":"Yep.","start":1377.485,"end":1377.965,"sentiment":"neutral","sentiment_score":0.31798481941223145}],"sentiment":"neutral","sentiment_score":0.1398007441708382,"num_words":47,"start":1350.615,"end":1377.965},{"sentences":[{"text":"Perfect.","start":1377.965,"end":1378.465,"sentiment":"positive","sentiment_score":0.7424571514129639},{"text":"We've still got the legal personal representative nomination for the beneficiary in place.","start":1380.78,"end":1385.92,"sentiment":"positive","sentiment_score":0.3793169833146609},{"text":"So aiming things towards the will and the power of attorney.","start":1386.06,"end":1389.4401,"sentiment":"positive","sentiment_score":0.4241676764054732},{"text":"So that's all good.","start":1390.78,"end":1392.0801,"sentiment":"positive","sentiment_score":0.5968103110790253},{"text":"Last couple of things I'll double check too.","start":1393.3401,"end":1396.165,"sentiment":"neutral","sentiment_score":0.14247824624180794}],"sentiment":"positive","sentiment_score":0.3747699888976845,"num_words":37,"start":1377.965,"end":1396.165},{"sentences":[{"text":"So insurances and goals wise, what's kind of the main focus for you for the next twelve months or so?","start":1396.625,"end":1405.365,"sentiment":"neutral","sentiment_score":0.12051167935132981},{"text":"Wow.","start":1456.995,"end":1457.49,"sentiment":"neutral","sentiment_score":-0.16489553451538086},{"text":"Mhmm.","start":1468.9299,"end":1469.4299,"sentiment":"neutral","sentiment_score":-0.11468848586082458},{"text":"Okay.","start":1496.48,"end":1496.98,"sentiment":"neutral","sentiment_score":-0.17143961787223816},{"text":"Okay.","start":1518.16,"end":1518.66,"sentiment":"neutral","sentiment_score":0.0217507928609848}],"sentiment":"neutral","sentiment_score":0.08254003090163071,"num_words":24,"start":1396.625,"end":1518.66},{"sentences":[{"text":"Yeah.","start":1534.5751,"end":1535.0751,"sentiment":"neutral","sentiment_score":0.05329374596476555},{"text":"So you've gotta pretty much keep everything personal, financial wise stable.","start":1555.965,"end":1559.585,"sentiment":"neutral","sentiment_score":0.03128038211302324},{"text":"Let the business kind of focus in on what it's doing currently, let it play out, and then look at the rises after that.","start":1560.13,"end":1566.63,"sentiment":"neutral","sentiment_score":0.03931529990707835},{"text":"Yep.","start":1571.4099,"end":1571.9099,"sentiment":"neutral","sentiment_score":-0.2461969554424286},{"text":"Yeah.","start":1592.56,"end":1593.06,"sentiment":"neutral","sentiment_score":-0.04537760093808174}],"sentiment":"neutral","sentiment_score":0.02761501554203661,"num_words":38,"start":1534.5751,"end":1593.06},{"sentences":[{"text":"And then you've still got the mortgage and the travel and everything, so plenty of plenty of things to focus on.","start":1603.855,"end":1608.99,"sentiment":"neutral","sentiment_score":0.12341289931819552},{"text":"Mhmm.","start":1620.67,"end":1621.005,"sentiment":"neutral","sentiment_score":0.02926298975944519},{"text":"Right.","start":1631.965,"end":1632.465,"sentiment":"neutral","sentiment_score":0.025124724954366684},{"text":"Right.","start":1666.0901,"end":1666.5901,"sentiment":"neutral","sentiment_score":-0.08283369243144989},{"text":"To keep it coming through the door and and, again, keep the reception going so you can focus on the clients.","start":1697.975,"end":1702.875,"sentiment":"neutral","sentiment_score":0.2495152230064074}],"sentiment":"neutral","sentiment_score":0.17340099091331165,"num_words":45,"start":1603.855,"end":1702.875},{"sentences":[{"text":"Are you still focusing kind of cash flow neutral where whatever's sort of being drawn out is just being used rather than pulling off to the side?","start":1704.375,"end":1712.61,"sentiment":"neutral","sentiment_score":0.16317940089437696},{"text":"No.","start":1752.555,"end":1752.795,"sentiment":"neutral","sentiment_score":-0.17904120683670044},{"text":"Why?","start":1752.795,"end":1753.295,"sentiment":"neutral","sentiment_score":-0.1668989658355713},{"text":"Yeah.","start":1776.9651,"end":1777.365,"sentiment":"neutral","sentiment_score":-0.07986000180244446},{"text":"Because you're working on contractor getting the actual income in, and you're deviating your time towards training the employees.","start":1777.365,"end":1784.1051,"sentiment":"neutral","sentiment_score":-0.21816067868157438}],"sentiment":"neutral","sentiment_score":-0.0033675356178867574,"num_words":49,"start":1704.375,"end":1784.1051},{"sentences":[{"text":"Jeez.","start":1786.8,"end":1787.3,"sentiment":"neutral","sentiment_score":-0.03265812620520592},{"text":"Yeah.","start":1837.435,"end":1837.8,"sentiment":"neutral","sentiment_score":0.14973798394203186},{"text":"Oh, jeez.","start":1840.4401,"end":1841.3401,"sentiment":"neutral","sentiment_score":0.15460771322250366},{"text":"Do you think that'll finish off by the end of the year, or is that, like, a next year kind of thing?","start":1842.92,"end":1847.18,"sentiment":"neutral","sentiment_score":0.05235417238013311},{"text":"Yeah.","start":1860.0049,"end":1860.485,"sentiment":"neutral","sentiment_score":-0.07760879397392273}],"sentiment":"neutral","sentiment_score":0.055573269724845886,"num_words":27,"start":1786.8,"end":1860.485},{"sentences":[{"text":"Yeah.","start":1860.485,"end":1860.985,"sentiment":"neutral","sentiment_score":-0.08900400996208191},{"text":"No choice.","start":1861.0449,"end":1861.7849,"sentiment":"neutral","sentiment_score":-0.19511717557907104},{"text":"Yeah.","start":1907.345,"end":1907.845,"sentiment":"neutral","sentiment_score":-0.08182992041110992},{"text":"Yeah.","start":1933.5549,"end":1933.955,"sentiment":"neutral","sentiment_score":0.10140182077884674},{"text":"Absolutely.","start":1933.955,"end":1934.455,"sentiment":"neutral","sentiment_score":0.2550116181373596}],"sentiment":"neutral","sentiment_score":-0.03410914043585459,"num_words":6,"start":1860.485,"end":1934.455},{"sentences":[{"text":"So if things go backwards, you've gotta kind of jump on it pretty quickly.","start":1934.835,"end":1938.455,"sentiment":"neutral","sentiment_score":0.07541879639029503},{"text":"If there's a if there's a possibility of potentially going p a y g again, I was just thinking with the the income protection you've got with TAL, should we sort of keep it as is at the $763.05 a month cover if there's a possibility of your, I guess, technically, wages going up.","start":1949.1699,"end":1975.2999,"sentiment":"neutral","sentiment_score":-0.0021644865369631183},{"text":"Right.","start":2014.6849,"end":2015.1849,"sentiment":"neutral","sentiment_score":0.016371021047234535},{"text":"Yeah.","start":2025.9,"end":2026.3,"sentiment":"neutral","sentiment_score":-0.030232273042201996},{"text":"And what I'm thinking for the the towel policy is they've got you insured for $1.30 of provable income.","start":2026.3,"end":2033.2,"sentiment":"neutral","sentiment_score":0.04208516702055931}],"sentiment":"neutral","sentiment_score":0.019379076380491925,"num_words":89,"start":1934.835,"end":2033.2},{"sentences":[{"text":"So I was wondering, do we trim it back down, but then if you try to increase it again, you have to go through underwriting?","start":2033.375,"end":2038.915,"sentiment":"neutral","sentiment_score":-0.040443808995187285},{"text":"Do we leave that there as a buffer for if the wages go above $1.12 gross?","start":2039.2151,"end":2044.115,"sentiment":"neutral","sentiment_score":-0.002989841450471431},{"text":"K.","start":2047.375,"end":2047.8,"sentiment":"neutral","sentiment_score":0.03343364596366882},{"text":"What about the life insurance and disability?","start":2047.88,"end":2050.2,"sentiment":"neutral","sentiment_score":0.004861422149198396},{"text":"There's 950,000 of those.","start":2050.2,"end":2052.46,"sentiment":"neutral","sentiment_score":0.014299765229225159}],"sentiment":"neutral","sentiment_score":-0.01762773634268428,"num_words":53,"start":2033.375,"end":2052.46},{"sentences":[{"text":"Yep.","start":2057.0,"end":2057.5,"sentiment":"neutral","sentiment_score":-0.0899185761809349},{"text":"Like we talked about, it's the TPD is probably the big one for you.","start":2074.5,"end":2077.46,"sentiment":"neutral","sentiment_score":0.2081186164702688},{"text":"The life insurance is keeping it cheaper.","start":2077.46,"end":2079.48,"sentiment":"neutral","sentiment_score":0.3114138203007834},{"text":"That clears the mortgage, another half mil.","start":2079.78,"end":2082.2,"sentiment":"neutral","sentiment_score":0.15874595514365605},{"text":"And then with the super and the insurance, you'd have 700,000 left over, a little bit of tax off of that, maybe renovate if you need to for wheelchair access, and then you've got that money to live off up until retirement.","start":2088.58,"end":2101.2148,"sentiment":"neutral","sentiment_score":0.14933411218225956}],"sentiment":"neutral","sentiment_score":0.17446328442491277,"num_words":71,"start":2057.0,"end":2101.2148},{"sentences":[{"text":"Cool.","start":2111.93,"end":2112.43,"sentiment":"positive","sentiment_score":0.3810018002986908},{"text":"So because it's the September 23 and the next premiums are on the November 1, I'll leave it as it is.","start":2113.53,"end":2121.2852,"sentiment":"neutral","sentiment_score":0.20268794468470983},{"text":"It'll pay it for twelve months.","start":2121.2852,"end":2122.725,"sentiment":"neutral","sentiment_score":0.20697352290153503},{"text":"If we make any changes to it next year, again, they do refunds pro rata if we do something halfway through the year.","start":2122.725,"end":2141.32,"sentiment":"neutral","sentiment_score":0.18074439482196517},{"text":"Yeah.","start":2142.34,"end":2142.58,"sentiment":"neutral","sentiment_score":0.28738081455230713}],"sentiment":"neutral","sentiment_score":0.19853445522200602,"num_words":52,"start":2111.93,"end":2142.58},{"sentences":[{"text":"Pretty much.","start":2142.58,"end":2143.215,"sentiment":"positive","sentiment_score":0.47661708295345306},{"text":"And then we'd play around with the levers in terms of the benefit period and whatnot, just try and keep the premiums good.","start":2143.615,"end":2148.7551,"sentiment":"neutral","sentiment_score":0.32943017651205475},{"text":"So what we do then is instead of that four week waiting period, if we increase the cover later, we can kick that out to sixty or ninety days, and that'll drop the premium significantly just to make sure that as you go through the fifties because, again, this is gonna jump up even though towel's the best at keeping it low.","start":2164.83,"end":2181.545,"sentiment":"neutral","sentiment_score":0.14929297644524805},{"text":"The fifties is where it gets a bit like a hockey stick, and it's, like, you know, 1,000 this year and then 2,000 next year, another 3,000 the year after.","start":2181.605,"end":2189.27,"sentiment":"neutral","sentiment_score":0.006116847073038419},{"text":"So I need to sort of balance it with your income need and then the levers I've got to keep the premiums lower.","start":2189.73,"end":2195.91,"sentiment":"neutral","sentiment_score":0.03833206224700679}],"sentiment":"neutral","sentiment_score":0.13465311149401324,"num_words":140,"start":2142.58,"end":2195.91},{"sentences":[{"text":"Yes.","start":2220.3901,"end":2220.8901,"sentiment":"neutral","sentiment_score":0.06892380863428116},{"text":"Yeah.","start":2221.11,"end":2221.61,"sentiment":"neutral","sentiment_score":0.08497674018144608},{"text":"So when I go through this updated plan just to tweak the super a little bit, do you want me to put in for a catch up in, say, six months time just to see if that has occurred and changed to look at alterations or just leave it for the annual review?","start":2225.99,"end":2240.085,"sentiment":"neutral","sentiment_score":-0.007279495304485537},{"text":"And then what would you prefer?","start":2240.085,"end":2241.51,"sentiment":"neutral","sentiment_score":0.014228913777818283},{"text":"Yep.","start":2253.43,"end":2253.75,"sentiment":"neutral","sentiment_score":-0.00947011262178421}],"sentiment":"neutral","sentiment_score":-0.002516279552852915,"num_words":62,"start":2220.3901,"end":2253.75},{"sentences":[{"text":"No.","start":2253.75,"end":2253.99,"sentiment":"neutral","sentiment_score":-0.17212820053100586},{"text":"That's fine.","start":2253.99,"end":2254.73,"sentiment":"negative","sentiment_score":-0.3344438225030899},{"text":"Absolutely.","start":2257.325,"end":2257.825,"sentiment":"neutral","sentiment_score":0.08007422834634781},{"text":"So we'll do the super advice now.","start":2258.125,"end":2259.805,"sentiment":"neutral","sentiment_score":0.19941685029438563},{"text":"I'll plug in for, like, a March catch up just to see how the the employment and insurances look, and then we can kind of update any goals or anything at that point too.","start":2259.805,"end":2271.6199,"sentiment":"neutral","sentiment_score":0.13570620097658215}],"sentiment":"neutral","sentiment_score":0.11664415929052564,"num_words":45,"start":2253.75,"end":2271.6199},{"sentences":[{"text":"Outside of that, anything else you can think of that we need to sort of focus on right now?","start":2273.5198,"end":2278.42,"sentiment":"neutral","sentiment_score":0.06200298157177473},{"text":"One thing I will do as well, when I send you out the annual review pack, we've got new discounted tiered fee structure for Oakview.","start":2284.985,"end":2294.0452,"sentiment":"neutral","sentiment_score":0.07614069238305092},{"text":"So for us, our advice fees, we've just brought out some new tiered discounts.","start":2296.0251,"end":2300.2,"sentiment":"neutral","sentiment_score":0.05061456188559532},{"text":"I'll send you a financial services guide that includes a full breakdown of how the tiers work.","start":2301.7,"end":2306.76,"sentiment":"neutral","sentiment_score":0.0861185515189872},{"text":"But, essentially, everyone above 200,000, there's a percentage discount and another one after 500,000, but we chop it as, like, a flat fee.","start":2306.82,"end":2316.995,"sentiment":"neutral","sentiment_score":0.06921402105818623}],"sentiment":"neutral","sentiment_score":0.06985832332652442,"num_words":98,"start":2273.5198,"end":2316.995},{"sentences":[{"text":"So rather than it floating with your balance up, it'll just be one flat fee based on the tier that you're at, and there'll be a discount applied.","start":2317.0552,"end":2324.3352,"sentiment":"neutral","sentiment_score":0.09492565425378936},{"text":"So if you're comfortable with that, I would get Michelle to put in place just an updated structure on the new consent form, and I'll send that through with the annual review pack.","start":2324.3352,"end":2333.99,"sentiment":"neutral","sentiment_score":0.07926330512220209},{"text":"Is that okay?","start":2333.99,"end":2334.81,"sentiment":"neutral","sentiment_score":0.09194206694761912},{"text":"Cool.","start":2337.19,"end":2337.67,"sentiment":"positive","sentiment_score":0.4381114244461059},{"text":"It'll have your certificates of currency, the the hub reports, and everything.","start":2337.67,"end":2341.6948,"sentiment":"neutral","sentiment_score":0.26316698143879574}],"sentiment":"neutral","sentiment_score":0.11877336091809458,"num_words":77,"start":2317.0552,"end":2341.6948},{"sentences":[{"text":"And then in a couple of weeks' time, we'll just book in to run through the updated tweaks, the investments.","start":2341.6948,"end":2347.2349,"sentiment":"neutral","sentiment_score":0.20726601369678974},{"text":"Awesome.","start":2349.855,"end":2350.355,"sentiment":"positive","sentiment_score":0.5806381106376648},{"text":"Alright.","start":2350.575,"end":2350.9749,"sentiment":"positive","sentiment_score":0.4837847948074341},{"text":"Well, glad to not too bad with one stone there.","start":2350.9749,"end":2353.4548,"sentiment":"positive","sentiment_score":0.6143938183784485},{"text":"So we've got yeah.","start":2353.4548,"end":2355.19,"sentiment":"neutral","sentiment_score":0.012346557807177305}],"sentiment":"neutral","sentiment_score":0.316751877622058,"num_words":36,"start":2341.6948,"end":2355.19},{"sentences":[{"text":"Definitely not the TPD support option with TOW.","start":2355.19,"end":2357.59,"sentiment":"neutral","sentiment_score":-0.32121920958161354},{"text":"We're not going for that.","start":2357.59,"end":2358.81,"sentiment":"negative","sentiment_score":-0.3490316569805145},{"text":"We will focus on income protection sustainability over the next couple of years, let you enjoy fixing up the employment side.","start":2359.19,"end":2368.49,"sentiment":"neutral","sentiment_score":0.23279803423654466},{"text":"Click super, and then we should be good to go from there.","start":2368.87,"end":2372.145,"sentiment":"neutral","sentiment_score":0.3121432214975357},{"text":"Fingers crossed, Sally.","start":2378.125,"end":2379.425,"sentiment":"neutral","sentiment_score":0.08247669289509456}],"sentiment":"neutral","sentiment_score":0.09320398967485038,"num_words":49,"start":2355.19,"end":2379.425},{"sentences":[{"text":"Fingers crossed.","start":2379.4849,"end":2380.385,"sentiment":"neutral","sentiment_score":0.054513270035386086},{"text":"Alrighty.","start":2382.03,"end":2382.53,"sentiment":"neutral","sentiment_score":0.05170641466975212},{"text":"Well, thank you for spending a bit of time with me.","start":2386.03,"end":2387.95,"sentiment":"positive","sentiment_score":0.5951498692685907},{"text":"I do appreciate that when life gets crazy and busy, it's hard to kind of link up with the planner and the accountant all the time.","start":2387.95,"end":2393.73,"sentiment":"positive","sentiment_score":0.37097212958794373},{"text":"But, again, for the forty minutes of time, really helps me being able to tackle a few options for you, and then that runs a bit smoother in the background.","start":2393.79,"end":2402.665,"sentiment":"positive","sentiment_score":0.46476839582125345}],"sentiment":"positive","sentiment_score":0.4327958394374166,"num_words":70,"start":2379.4849,"end":2402.665},{"sentences":[{"text":"No worries at all.","start":2406.405,"end":2407.205,"sentiment":"positive","sentiment_score":0.3354356959462166},{"text":"I will talk to you in a couple of weeks.","start":2407.205,"end":2408.835,"sentiment":"neutral","sentiment_score":0.3227846845984459},{"text":"Thanks, Shelby.","start":2410.835,"end":2411.635,"sentiment":"positive","sentiment_score":0.5669621229171753},{"text":"Bye.","start":2411.635,"end":2412.135,"sentiment":"neutral","sentiment_score":-0.0850573405623436}],"sentiment":"neutral","sentiment_score":0.33049744323772545,"num_words":17,"start":2406.405,"end":2412.135}]}}]},{"alternatives":[{"transcript":"Hello? Sally speaking. Good. Thanks. How are you? Sorry. I just had a a call, and it was, like, an 02 number. I'm like, I don't think you'd be calling from there, and it was, like, Google Maps or something. So I was just like and I'm like because it was, like, at the time, I'm like, I better take it because otherwise you'll call me and it won't be and, you know, it it might be you. So yeah. Oh, well, it's alright. I just hung up on them. Exactly. Yeah. How's your day been? Good. Mhmm. Mhmm. Mhmm. Eighteenth of the second seventy five fourteen Revoltz Drive, Benelma. Mhmm. Yep. I I just thought, like, it it sounds to me like they're kinda saying, you can change to this thing and then, like, say you had a mental health issue or something like that, then we'll pay you out in part payments rather than full. Like you know? And I kinda go, well, so say it was a like like, my ex had a a claim, you know, that he actually ended up passing away. So from drinking and mental health stuff, but which I don't know if he'll be able to claim on his life insurance because I probably say it took his own life or something. So, you know, it made me and he couldn't work in his occupation, but it was any occupation or own occupation. That's why I was asking you, and and now I don't know if he'll be able to claim on his life insurance. So he fought for year for years with them and didn't get a dime kind of thing. So they're kind of saying, well, instead of us fighting because we don't wanna give you a, like, $9,000,000 payout. Like, in all that time, he had to keep paying off his premiums, like, for the for the while they were deciding, he was still paying all the premiums, but then they didn't give him any money. So it's kinda saying, well, we'd pay you in part payments. But to me, it's like, well, if if I'm owed $9,000,000, I probably want $9,000,000, not Eudice to pay me 2,000,000 and go, you you should be better now. So sounds like they're trying to cover themselves so they don't have to do a big lump sum payment. But, ultimately, they're not try and say I'm fully better. And after two years, I'm gonna have to go through the whole process, and then I'm gonna say I'm fully better. And after three years, they're gonna try and say I'm fully better kinda thing. And they're only just gonna pay me part payments. So I just think they're trying to cover their own back, but I can't see any benefit to me at all other than I might get a part payment. But, also, once you take that up, you can't go back. It's like once you decrease your credit card limit, you can't increase it again without a full loan thing. So they're saying once you take it up, then you can't go back to your other one. Like, you can't just get rid of it. So it doesn't seem very appealing to me in any way, shape, or form, to be honest. It just seems like they're trying to save money, and I can't see how I benefit from it at all. Except maybe maybe my premiums might go down, but then they might go up again the next year. But the whole thing is before it becomes TPD anyway, you've gotta have been on income protection for, like, five years anyway, don't you, before you can even get a TPD claim. Well, his doctor said and Katja said he's not likely, but because alcohol was involved as well Yeah. With the mental health, which, you know, in a lot of case, there probably is some alcohol or addiction or something involved too. So I was just like, no. They gave him nothing. And then oh, sorry. No. What were you saying? Yeah. Yeah. Yeah. Well, basically, he was a top real estate agent, and then you can't he'll never would never be able to deal with and after having a problem with alcohol because of the mental health, he'd never ever be able to deal with that sort of stress. But then the their argument is kind of like, well, I guess if you can work at Macca's or, you know, you still could do some work. So you're not you're not totally permanently disabled because he was on any occupation. So they gave him nothing. Well, at one point, after fighting for a couple of years, they they agreed to give him $750. But his premiums were, like, 11 or $12 a month that he was still paying the whole time. And they upped his premiums. They upped his premiums. They kept upping his premiums. And then at one stage, they go, okay. We'll pay you $750. It was a 9 million dollar policy. And and then his lawyer turns around and goes, oh, well, that's admission of of liability. So, yeah, like, we still got a chance of getting the 9,000,000 because they've admitted liability by offering you $9.09 $750. And I'm like, I don't think so. So the claim kept going. And I'm like, he should have just told you, like, no. Because if they've offered you $750, I can't see that they're admitting liability, and they're gonna pay you 9,000,000. You typed that out and said you can't claim it. That's what I gathered. It just it just all seemed really dodgy to me, and I'm like, it doesn't sound like I have anything to gain from this at all and that they're just trying to, you know, make you think it sounds like they're giving you lots of stuff and saving you money, but you're actually not. And, yeah, I I can't really see any benefit to me at all other than, you know, they're less likely to pay me as much money as as I would need if it happened. It's just gonna save them money, and I'm gonna be going to if something happened, I'll be going to specialist. Like, every year, he'd be trying to save those better, and you got the stress of seeing their specialist every year. Yeah. Yeah. Yeah. Yeah. And I also wonder whether they could then say that it's almost, like, become a new premium. So then say you get a new condition. Like, say with my ex, he'd had the same premium for twenty years. But when his wife divorced him, he started drinking and got a problem with that. Right? But he changed companies and policies a year before. He'd had the same thing for, like, fifteen years, and the issue was and he paid premiums, like, was paying $20.25 grand a year between income protection and TPD and life. And so he paid millions and for, like, twenty years, twenty five years. And they basically said, like because it was a he changed policies. It was a new policy, and therefore, they said, well, we think that you had a drinking problem before you started with our policy. So that was one of the things I tried to get off. And I just wonder, like, even with this, could they claim that this is a new policy or a new kind of thing? Even though you had your previous one, it's kind of a new like, I just wonder if they'll try and use that as well down the track as well. Yep. Yeah. Like, my thumbs and stuff like that and on my PPO. Yep. That's what I was wondering about. Yeah. That's what I thought I'd do. I thought they'd kind of call it a new a new policy and do all that, you know. So it's not like we've got a policy, so we'll just roll it over and add this. That's what I thought. They'd do a whole new review, which is what I really don't wanna have. Yeah. Yeah. I'm pretty old too old for that, I think, now. Yeah. Yeah. Yeah. Yeah. Yeah. Oh, that's good. Yeah. Yeah. I got it because then yeah. And then I got it again on on the other policy, and and it set the wording with slightly different. So that's initially, I just look at it and go, oh, what? Yeah. I thought that was weird. Are you yeah. So basically, just leave it as it is. Don't touch it because otherwise, we've got the whole thumb issue and all that kind of thing as well. Right. Yeah. Are you able to do my quick financial review thing so I don't have to book a whole appointment or not or Let's see. Because all my risk strategy and stuff's gonna be the same. I don't feel that I need to go back through that. But Yep. No. It's getting worse. Like, I've tried to airdrop things to some of my clients, and, you know, now with airdrop, even you gotta do two factor authentication, they have to get a code on their phone, and I'll have to put it into my iPhone and everything just to airdrop something from iPhone to iPhone now. Yeah. The last three airdrops I've done, it's made me put a code in from their phone. So if I was airdropping and we weren't in the same room, and you weren't very good with your phone, I'd have to kinda, you know, talk you through it. Yeah. Yep. Mhmm. Mhmm. Yep. Yeah. I just think I've got an email saying you're due for your spring review or something. Cool. No. I get information when when there's trades made and stuff like that. Mhmm. Mhmm. Mhmm. Yeah. I think so. Yeah. So what's happened is because now the government's made done a made is making us because it's just I'm including my company, so I send it in. Every time you do a pay, which is every fortnight, you have to do your super at the same time. So every time one of my pay thing go through so, basically, it'll be every two weeks, there'll be a payment now. Oh, but I went overseas. So because I was overseas for three weeks, I said to my so I paid in about. So that's why there would have been a heap in advance because I got my payroll lady to do all of them and work it out because I have to give her the zero code so she gets it taken out of my bank account. And so the problem is she was going on holidays, and I was gonna be away for, like, four weeks. And I'm like, well, how are you supposed to do this stupid stuff when I'm not gonna be in the country? And then, you know, I won't be able to get a netback notification. I won't be able to give you because I won't be on my Australian mobile. I won't be able to give you the zero code. So how are you gonna do it? And she goes, well, I'll do all your pays early. And I said, well, I'll pay myself for those weeks before I leave. And then she said, I'll do them early, and then you just send me the verification code. She said you can pay them early. So yeah. So that's why there was a heap going through because I went away, but now it'll be every two weeks. It'll go in. But, yeah, it's really annoying when you go away. Yeah. Yeah. That's because I was going away, so I have to do it all early. But now I'll be up to date as of it'll be every fortnight now. Yeah. At the moment. Yeah. No. Do you think with the profile, do you think at my age or is it common to be with my age to have a little bit more risk? Like like, can you do 85% risk kind of thing, like, at this age? Like, until I get to 60? Like, do more do more people get more conservative as they get older, like, to 60, or what do a lot of people tend to get? Yep. Well, I'm 51 now, so I'm I'm pretty sure I'll probably be working till 65. Yep. Is it maybe is it maybe that, like, can I go to, like, 85? So at the moment, I'm on 80% risk and 20% stable, is it? Right. Oh, you can't do, like, an 85 kind of to 90? Right. Because I'm totally happy to go up to, like, 85 kind of thing. So I guess if you're making investments, I guess, you know, and it's a bit do I don't know? I mean, probably up to the 85 is probably okay, I think. Yeah. 90 to 95 sounds like, 90 five sounds a bit scary to me, but, like, 85 sounds okay. Like yeah. So maybe more on that higher end of the 80 to 85, but more like 85 kind of thing. It's probably better. Yeah. Yeah. So I'm I'm happy to go slightly more aggressive, but $90.90 to 95 sounds a bit. But, yeah, 85 to, you know, 85, 87 to, you know, 85 to 90, but but, you know, 90 if it seems pretty good, but but, yeah, 90 to 95 sounds a bit much. So No. Whatever you think. Yeah. Mhmm. Yeah. Yeah. Yeah. That sounds good. Yeah. Yep. Yep. Yeah. Yeah. No. That sounds good. Sounds like a plan. No. They'll probably be the same amount. The 500 and whatever it is, it'll be pretty much the same the whole time. I think I just gave myself a pay rise. I just got a pay rise of, like, $5 a week, so I don't think that's really gonna make any difference to the super contribution. Yep. Yep. Just yeah. Just to I just had a holiday, but just to kind of keep busy and just keep, yeah, keep things stable. We've gone through about six secretaries at the moment. Like, we've had new people take over like a company, and so I've just been running the figures because I'm a contractor that between that and being an employee kind of thing. But I need to tell them what figure I would need so that I can not just my salary, but my salary and pay my bills, like my car and my all of that. So because when there's no secretary, it makes it hard for me to stay busy as a physio because there's no one on reception answering the phone and booking people in because the secretary decides that she's not coming in, and then we don't have a secretary. And then one of the other people have to work, and they've got to call people in and, like like, it's happened six times in the last few months. Yeah. So, like, really badly. But yeah. So to the point where I mean, I'm not rocking the boat because down the track so they potentially is transition while it's been on the phone to my account. They're kinda kinda going, you know, what figure? Like, this is what I need to take in, plus I have to be able to pay the car, plus the petrol, plus the phone, plus all the other things that the company is paying to eventually if because if I start losing money, then I'm gonna have to say to them, this is what I need. You know, I do have a thirty year patient base. I do have Pilates clients. So in I'm maybe I might need to become an employee and then have them pay me that and guarantee me that, in which case if they don't keep me busy from them because of the destabilization of the front desk. So, yeah, it's a bit going, but I can't really make any other moves or change things. So either I'm gonna keep things as, like, or things go backwards. I'm gonna have to say to them, look, you know, I really need stability and you guys aren't giving me that. So I need to basically become an employee in a this much amount of money. I think we worked out to be a $178, and I could take it to cover everything. Because I thought that's if I get another job, like, before before tax and before super and all that. I mean, like, that's, sorry, growth is what that have to do in that pay me. But, I mean, my company probably gives them that much anyway. But if they get a percentage, like, they get 40%, I get 60% of of taking. But the problem is if I'm not taking that much money because they're not keeping me busy because there's no one answering the phone, then I'm gonna need them to kinda guarantee my income as an employee so that I can keep paying the bills. But it's gonna be a high thing, so they've gotta convince them to pay that. Yeah. Yeah. Yeah. Yeah. Because, I mean, like, if I get another job somewhere else, they're not gonna pay me that. And I'm not gonna be able to take my Pilates people and stuff like that. Or I open my if I open a business myself, it's very unstable. So I'm better off to work with them and kind of go, well, I have a thirty year patient base and have Pilates clients who come in and, you know but I also need to survive and you guys aren't giving me enough stability at the front desk to keep me busy. I mean, I am at the moment, but if this keeps happening, you know, it's it's hard to get new patients in, and every time there's a new secretary, you gotta train them and stuff. So yeah. Yep. It's been at least six yeah. So that is where if I was an employee, then that figure would include, you know, out of that money, then that would include, like, for them because I'd be paying the holiday pay, loading, super, all of that. So I'd still end up with the same amount of money in my hand because those that figure is then covering all the other stuff that the company would normally pay. But they're they're paying the company about that anyway. We're it's like 7,000 6,800 or something a fortnight. And I think it's 6 let me set. I have to work it. No. I've gotta work it out. But, yeah, they're paying at the moment, I can tell myself 3,003 thousand 200 a fortnight, but they're paying me, at the moment, about 6,500 a fortnight. So I might have to take in about $6.08, but they're paying 6,500. But I'm also paying them GST on their services, their admin services, which then I claim back. So, really, they're probably paying me paying the company about 6 about $6.08, and that's about what I need them to pay me a fortnight. So I've gotta basically put it to them down the track if I decide to go down that path that it's gonna be about the same as in what they're paying as long as I stay reasonably busy, which is kind of their job a little bit. So yeah. Yeah. Yeah. So it's slightly cash flow positive now, but then I've I've taken a couple of bonuses and stuff like that, and then I kinda took those without paying super because I just wanted to take the bonus and not have to pay double the amount. So my payroll lady just worked out just because before I went on a holiday and stuff, so she worked it out that I paid. Well, because at one stage, it was really quiet because we were up before this company took over, we were over serviced by thirty three hours. And so the problem was that I was, you know, they put a new person on and get them all the new patients, and I'm getting none to the point where I had to lend the company $20,000. So then and that's a director's loan, and then the company made more money, and I and then paid me back. But now, like, it's going okay. It's it's slightly positive. But, again, if then I start to go quiet again, then it could be a problem. So I've kind of had to train every new secretary and say, listen, I'm a contract to their employees. You can't just fill up the new employee and give me nothing or else I can't fill up. They still get paid. Yeah. Yeah. Like, six times. Yeah. So it's yeah. I'm just trying hopefully, we can get a bit of stability there. So yeah. So, anyway, I was talking draw the figures with my accountant because down the track, I'll have to you know, it's still easier to manipulate the people that I've got and actually say to them, look, in the long run, what you'll pay my company is about, you know, 6,500 on average a fortnight. And what I'll need is about 6,800, but you're paying $6.05 plus the GST. Right? Because it because you're paying $6.05, and then and then I'm also giving you the GST. So you're basically paying about $7.01 if I didn't permit the GST. So if you just pay me that directly or, you know, work that out to be the gross and then, you know, minus super and POID and all that, then your net effect will be about the same, but I get stability. That's how I'm gonna put it to them anyway. And then they can have a look at my figures and see what they think if, you know, that's my plan then. Well, my plan my I I don't wanna have to do it. Like, I just hope I stay busy and don't have to do it. But the point is if push comes to shove and things start going backwards and then my bank account starts going backwards, then I'll have to do that. But then my accountant said and then my accountant said with my car and all that, because we talked about it and we could roll it over and then I'd have to, like, sell it. And then I'd have to, you know, pay, like, stamp duty and claims it back and all that. So then the bookkeeping accounts are better just to leave the car in the company name, and then me pay the company. So I still got my online video and stuff. So me pay the company. Like like, it's a thousand dollars a month for the car, so me just transfer $500 a pay from me to the car, which is a directed loan to the company, then the company is still actually trading. So, therefore, we can't actually get the company to pay you back any money. But he said it's also gonna be difficult at that time if you start doing that to get any money out of the company because the company is not really trading and making anything. So so I said, so basically, if I make this transition, I'll have to pull all the money out of the company in bonuses before I do it. And he goes, yeah. It's easy to take dividends out of the company now. But, I mean, I don't really have to wanna have to make this transition if I can avoid it. But, yeah, if I do, he said, you need to kind of do some bonus payments and get the money out of there before you do it or I thought it'd be difficult to get it out if it's not really trading. So yeah. So that's what I mean. So, obviously, like, it'd be fine, and it'd be a little while. But yeah. So I know what I need to do and how much I need to earn, and I just like to have it ready to push the button if I have to. Yep. Yep. Well, it wouldn't really go up with what I will ultimately be getting. Well, because ultimately in the hand why did you say I would get in the hand? Because I think ultimately it's gonna work out. By the time we do super and take super out and p a y g, I I don't think it's gonna be that that different, you know, because I said I'm getting 3,200 a fortnight, and that's we worked it back from that's what I want in the hand kind of thing. But it will end up, yeah, being a $178. Yes. I guess the super on that's probably gonna be more than on a 112, isn't it? Yeah. Yeah. Yeah. And probably better too. Yep. I'm gonna just keep that because I don't want the premiums to go up anymore. So, look, if I'm dead, then I'm I don't have any kids or whatever. So, you know, if I'm dead, then I don't really think it matters. The life insurance. I don't know. My parents are my beneficiaries or my cousins. So, you know, I'm really gonna be more than enough for them. Well, the house, I owe 430. So, you know, that'll cover that. So I then own the house, I guess. So yeah. So I think that'll be alright. With this call. Yeah. Yeah. Well, I'm an only child too. So when my parents die, like, their house is worth a couple of million, so I get all of that too. So yeah. So I think that'll be fine. Yeah. Yeah. Because yeah. Because it would just be that we'd if we made a change, that would probably just be upping a 138 or whatever to a 130 to a 170 eight, wouldn't it? Well, see, the the point is I would have sick pay if something happens. So I'd get sick pay for well, you know, I don't know, probably only a few days and potentially holiday pay if something happens. So probably at least get a couple of weeks of that, maybe. Yeah. Yeah. Yep. Yep. Yep. Yeah. That maybe forty five days or something like that if I was if I was on the higher salary because that 45, yeah, with the higher salary. I mean, if I was on the highest salary, like I said, I'd probably get I don't know how much sick pay they'd give me, like, maybe five days or a week or something. Or I guess you accrue sick leave. So so, yeah, that'd probably give me an extra few days to week or something. Sorry. Yeah. Yeah. Because you better remind yeah. Because you better remind me about that because if it happens, it'll it'll mean it'll be pretty full on, like, just having to work out the car, change everything. So I'll probably forget to ring you about that if it happens because I'll be not very happy, obviously. Yep. Yep. No. It's probably the main one. Just trying to control what's going on here. Which one is that? Sorry. Yep. Uh-huh. Mhmm. Mhmm. Mhmm. Yep. Yep. That's fine. Mhmm. Sounds good. No. Alright. So, yeah, I can escape it as it is, and that I don't have to. But fingers crossed. Haven't been looking great the last few weeks the last few months. But yeah. Yeah. Wonderful. Thank you very much. Really appreciate it. Thank you. 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Sally speaking. Good. Thanks. How are you?\n\nSorry. I just had a a call, and it was, like, an 02 number. I'm like, I don't think you'd be calling from there, and it was, like, Google Maps or something. So I was just like and I'm like because it was, like, at the time, I'm like, I better take it because otherwise you'll call me and it won't be and, you know, it it might be you. So yeah.\n\nOh, well, it's alright. I just hung up on them. Exactly. Yeah. How's your day been?\n\nGood. Mhmm. Mhmm. Mhmm. Eighteenth of the second seventy five fourteen Revoltz Drive, Benelma.\n\nMhmm. Yep. I I just thought, like, it it sounds to me like they're kinda saying, you can change to this thing and then, like, say you had a mental health issue or something like that, then we'll pay you out in part payments rather than full. Like you know? And I kinda go, well, so say it was a like like, my ex had a a claim, you know, that he actually ended up passing away.\n\nSo from drinking and mental health stuff, but which I don't know if he'll be able to claim on his life insurance because I probably say it took his own life or something. So, you know, it made me and he couldn't work in his occupation, but it was any occupation or own occupation. That's why I was asking you, and and now I don't know if he'll be able to claim on his life insurance. So he fought for year for years with them and didn't get a dime kind of thing. So they're kind of saying, well, instead of us fighting because we don't wanna give you a, like, $9,000,000 payout.\n\nLike, in all that time, he had to keep paying off his premiums, like, for the for the while they were deciding, he was still paying all the premiums, but then they didn't give him any money. So it's kinda saying, well, we'd pay you in part payments. But to me, it's like, well, if if I'm owed $9,000,000, I probably want $9,000,000, not Eudice to pay me 2,000,000 and go, you you should be better now. So sounds like they're trying to cover themselves so they don't have to do a big lump sum payment. But, ultimately, they're not try and say I'm fully better.\n\nAnd after two years, I'm gonna have to go through the whole process, and then I'm gonna say I'm fully better. And after three years, they're gonna try and say I'm fully better kinda thing. And they're only just gonna pay me part payments. So I just think they're trying to cover their own back, but I can't see any benefit to me at all other than I might get a part payment. But, also, once you take that up, you can't go back.\n\nIt's like once you decrease your credit card limit, you can't increase it again without a full loan thing. So they're saying once you take it up, then you can't go back to your other one. Like, you can't just get rid of it. So it doesn't seem very appealing to me in any way, shape, or form, to be honest. It just seems like they're trying to save money, and I can't see how I benefit from it at all.\n\nExcept maybe maybe my premiums might go down, but then they might go up again the next year. But the whole thing is before it becomes TPD anyway, you've gotta have been on income protection for, like, five years anyway, don't you, before you can even get a TPD claim. Well, his doctor said and Katja said he's not likely, but because alcohol was involved as well Yeah. With the mental health, which, you know, in a lot of case, there probably is some alcohol or addiction or something involved too. So I was just like, no.\n\nThey gave him nothing. And then oh, sorry. No. What were you saying? Yeah.\n\nYeah. Yeah. Well, basically, he was a top real estate agent, and then you can't he'll never would never be able to deal with and after having a problem with alcohol because of the mental health, he'd never ever be able to deal with that sort of stress. But then the their argument is kind of like, well, I guess if you can work at Macca's or, you know, you still could do some work. So you're not you're not totally permanently disabled because he was on any occupation.\n\nSo they gave him nothing. Well, at one point, after fighting for a couple of years, they they agreed to give him $750. But his premiums were, like, 11 or $12 a month that he was still paying the whole time. And they upped his premiums. They upped his premiums.\n\nThey kept upping his premiums. And then at one stage, they go, okay. We'll pay you $750. It was a 9 million dollar policy. And and then his lawyer turns around and goes, oh, well, that's admission of of liability.\n\nSo, yeah, like, we still got a chance of getting the 9,000,000 because they've admitted liability by offering you $9.09 $750. And I'm like, I don't think so. So the claim kept going. And I'm like, he should have just told you, like, no. Because if they've offered you $750, I can't see that they're admitting liability, and they're gonna pay you 9,000,000.\n\nYou typed that out and said you can't claim it. That's what I gathered. It just it just all seemed really dodgy to me, and I'm like, it doesn't sound like I have anything to gain from this at all and that they're just trying to, you know, make you think it sounds like they're giving you lots of stuff and saving you money, but you're actually not. And, yeah, I I can't really see any benefit to me at all other than, you know, they're less likely to pay me as much money as as I would need if it happened. It's just gonna save them money, and I'm gonna be going to if something happened, I'll be going to specialist.\n\nLike, every year, he'd be trying to save those better, and you got the stress of seeing their specialist every year. Yeah. Yeah. Yeah. Yeah.\n\nAnd I also wonder whether they could then say that it's almost, like, become a new premium. So then say you get a new condition. Like, say with my ex, he'd had the same premium for twenty years. But when his wife divorced him, he started drinking and got a problem with that. Right?\n\nBut he changed companies and policies a year before. He'd had the same thing for, like, fifteen years, and the issue was and he paid premiums, like, was paying $20.25 grand a year between income protection and TPD and life. And so he paid millions and for, like, twenty years, twenty five years. And they basically said, like because it was a he changed policies. It was a new policy, and therefore, they said, well, we think that you had a drinking problem before you started with our policy.\n\nSo that was one of the things I tried to get off. And I just wonder, like, even with this, could they claim that this is a new policy or a new kind of thing? Even though you had your previous one, it's kind of a new like, I just wonder if they'll try and use that as well down the track as well. Yep. Yeah.\n\nLike, my thumbs and stuff like that and on my PPO. Yep. That's what I was wondering about. Yeah. That's what I thought I'd do.\n\nI thought they'd kind of call it a new a new policy and do all that, you know. So it's not like we've got a policy, so we'll just roll it over and add this. That's what I thought. They'd do a whole new review, which is what I really don't wanna have. Yeah.\n\nYeah. I'm pretty old too old for that, I think, now. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Oh, that's good. Yeah. Yeah.\n\nI got it because then yeah. And then I got it again on on the other policy, and and it set the wording with slightly different. So that's initially, I just look at it and go, oh, what? Yeah. I thought that was weird.\n\nAre you yeah. So basically, just leave it as it is. Don't touch it because otherwise, we've got the whole thumb issue and all that kind of thing as well. Right. Yeah.\n\nAre you able to do my quick financial review thing so I don't have to book a whole appointment or not or Let's see. Because all my risk strategy and stuff's gonna be the same. I don't feel that I need to go back through that. But Yep. No.\n\nIt's getting worse. Like, I've tried to airdrop things to some of my clients, and, you know, now with airdrop, even you gotta do two factor authentication, they have to get a code on their phone, and I'll have to put it into my iPhone and everything just to airdrop something from iPhone to iPhone now. Yeah. The last three airdrops I've done, it's made me put a code in from their phone. So if I was airdropping and we weren't in the same room, and you weren't very good with your phone, I'd have to kinda, you know, talk you through it.\n\nYeah. Yep. Mhmm. Mhmm. Yep.\n\nYeah. I just think I've got an email saying you're due for your spring review or something. Cool. No. I get information when when there's trades made and stuff like that.\n\nMhmm. Mhmm. Mhmm. Yeah. I think so.\n\nYeah. So what's happened is because now the government's made done a made is making us because it's just I'm including my company, so I send it in. Every time you do a pay, which is every fortnight, you have to do your super at the same time. So every time one of my pay thing go through so, basically, it'll be every two weeks, there'll be a payment now. Oh, but I went overseas.\n\nSo because I was overseas for three weeks, I said to my so I paid in about. So that's why there would have been a heap in advance because I got my payroll lady to do all of them and work it out because I have to give her the zero code so she gets it taken out of my bank account. And so the problem is she was going on holidays, and I was gonna be away for, like, four weeks. And I'm like, well, how are you supposed to do this stupid stuff when I'm not gonna be in the country? And then, you know, I won't be able to get a netback notification.\n\nI won't be able to give you because I won't be on my Australian mobile. I won't be able to give you the zero code. So how are you gonna do it? And she goes, well, I'll do all your pays early. And I said, well, I'll pay myself for those weeks before I leave.\n\nAnd then she said, I'll do them early, and then you just send me the verification code. She said you can pay them early. So yeah. So that's why there was a heap going through because I went away, but now it'll be every two weeks. It'll go in.\n\nBut, yeah, it's really annoying when you go away. Yeah. Yeah. That's because I was going away, so I have to do it all early. But now I'll be up to date as of it'll be every fortnight now.\n\nYeah. At the moment. Yeah. No. Do you think with the profile, do you think at my age or is it common to be with my age to have a little bit more risk?\n\nLike like, can you do 85% risk kind of thing, like, at this age? Like, until I get to 60? Like, do more do more people get more conservative as they get older, like, to 60, or what do a lot of people tend to get? Yep. Well, I'm 51 now, so I'm I'm pretty sure I'll probably be working till 65.\n\nYep. Is it maybe is it maybe that, like, can I go to, like, 85? So at the moment, I'm on 80% risk and 20% stable, is it? Right. Oh, you can't do, like, an 85 kind of to 90?\n\nRight. Because I'm totally happy to go up to, like, 85 kind of thing. So I guess if you're making investments, I guess, you know, and it's a bit do I don't know? I mean, probably up to the 85 is probably okay, I think. Yeah.\n\n90 to 95 sounds like, 90 five sounds a bit scary to me, but, like, 85 sounds okay. Like yeah. So maybe more on that higher end of the 80 to 85, but more like 85 kind of thing. It's probably better. Yeah.\n\nYeah. So I'm I'm happy to go slightly more aggressive, but $90.90 to 95 sounds a bit. But, yeah, 85 to, you know, 85, 87 to, you know, 85 to 90, but but, you know, 90 if it seems pretty good, but but, yeah, 90 to 95 sounds a bit much. So No. Whatever you think.\n\nYeah. Mhmm. Yeah. Yeah. Yeah.\n\nThat sounds good. Yeah. Yep. Yep. Yeah.\n\nYeah. No. That sounds good. Sounds like a plan. No.\n\nThey'll probably be the same amount. The 500 and whatever it is, it'll be pretty much the same the whole time. I think I just gave myself a pay rise. I just got a pay rise of, like, $5 a week, so I don't think that's really gonna make any difference to the super contribution. Yep.\n\nYep. Just yeah. Just to I just had a holiday, but just to kind of keep busy and just keep, yeah, keep things stable. We've gone through about six secretaries at the moment. Like, we've had new people take over like a company, and so I've just been running the figures because I'm a contractor that between that and being an employee kind of thing.\n\nBut I need to tell them what figure I would need so that I can not just my salary, but my salary and pay my bills, like my car and my all of that. So because when there's no secretary, it makes it hard for me to stay busy as a physio because there's no one on reception answering the phone and booking people in because the secretary decides that she's not coming in, and then we don't have a secretary. And then one of the other people have to work, and they've got to call people in and, like like, it's happened six times in the last few months. Yeah. So, like, really badly.\n\nBut yeah. So to the point where I mean, I'm not rocking the boat because down the track so they potentially is transition while it's been on the phone to my account. They're kinda kinda going, you know, what figure? Like, this is what I need to take in, plus I have to be able to pay the car, plus the petrol, plus the phone, plus all the other things that the company is paying to eventually if because if I start losing money, then I'm gonna have to say to them, this is what I need. You know, I do have a thirty year patient base.\n\nI do have Pilates clients. So in I'm maybe I might need to become an employee and then have them pay me that and guarantee me that, in which case if they don't keep me busy from them because of the destabilization of the front desk. So, yeah, it's a bit going, but I can't really make any other moves or change things. So either I'm gonna keep things as, like, or things go backwards. I'm gonna have to say to them, look, you know, I really need stability and you guys aren't giving me that.\n\nSo I need to basically become an employee in a this much amount of money. I think we worked out to be a $178, and I could take it to cover everything. Because I thought that's if I get another job, like, before before tax and before super and all that. I mean, like, that's, sorry, growth is what that have to do in that pay me. But, I mean, my company probably gives them that much anyway.\n\nBut if they get a percentage, like, they get 40%, I get 60% of of taking. But the problem is if I'm not taking that much money because they're not keeping me busy because there's no one answering the phone, then I'm gonna need them to kinda guarantee my income as an employee so that I can keep paying the bills. But it's gonna be a high thing, so they've gotta convince them to pay that. Yeah. Yeah.\n\nYeah. Yeah. Because, I mean, like, if I get another job somewhere else, they're not gonna pay me that. And I'm not gonna be able to take my Pilates people and stuff like that. Or I open my if I open a business myself, it's very unstable.\n\nSo I'm better off to work with them and kind of go, well, I have a thirty year patient base and have Pilates clients who come in and, you know but I also need to survive and you guys aren't giving me enough stability at the front desk to keep me busy. I mean, I am at the moment, but if this keeps happening, you know, it's it's hard to get new patients in, and every time there's a new secretary, you gotta train them and stuff. So yeah. Yep. It's been at least six yeah.\n\nSo that is where if I was an employee, then that figure would include, you know, out of that money, then that would include, like, for them because I'd be paying the holiday pay, loading, super, all of that. So I'd still end up with the same amount of money in my hand because those that figure is then covering all the other stuff that the company would normally pay. But they're they're paying the company about that anyway. We're it's like 7,000 6,800 or something a fortnight. And I think it's 6 let me set.\n\nI have to work it. No. I've gotta work it out. But, yeah, they're paying at the moment, I can tell myself 3,003 thousand 200 a fortnight, but they're paying me, at the moment, about 6,500 a fortnight. So I might have to take in about $6.08, but they're paying 6,500.\n\nBut I'm also paying them GST on their services, their admin services, which then I claim back. So, really, they're probably paying me paying the company about 6 about $6.08, and that's about what I need them to pay me a fortnight. So I've gotta basically put it to them down the track if I decide to go down that path that it's gonna be about the same as in what they're paying as long as I stay reasonably busy, which is kind of their job a little bit. So yeah. Yeah.\n\nYeah. So it's slightly cash flow positive now, but then I've I've taken a couple of bonuses and stuff like that, and then I kinda took those without paying super because I just wanted to take the bonus and not have to pay double the amount. So my payroll lady just worked out just because before I went on a holiday and stuff, so she worked it out that I paid. Well, because at one stage, it was really quiet because we were up before this company took over, we were over serviced by thirty three hours. And so the problem was that I was, you know, they put a new person on and get them all the new patients, and I'm getting none to the point where I had to lend the company $20,000.\n\nSo then and that's a director's loan, and then the company made more money, and I and then paid me back. But now, like, it's going okay. It's it's slightly positive. But, again, if then I start to go quiet again, then it could be a problem. So I've kind of had to train every new secretary and say, listen, I'm a contract to their employees.\n\nYou can't just fill up the new employee and give me nothing or else I can't fill up. They still get paid. Yeah. Yeah. Like, six times.\n\nYeah. So it's yeah. I'm just trying hopefully, we can get a bit of stability there. So yeah. So, anyway, I was talking draw the figures with my accountant because down the track, I'll have to you know, it's still easier to manipulate the people that I've got and actually say to them, look, in the long run, what you'll pay my company is about, you know, 6,500 on average a fortnight.\n\nAnd what I'll need is about 6,800, but you're paying $6.05 plus the GST. Right? Because it because you're paying $6.05, and then and then I'm also giving you the GST. So you're basically paying about $7.01 if I didn't permit the GST. So if you just pay me that directly or, you know, work that out to be the gross and then, you know, minus super and POID and all that, then your net effect will be about the same, but I get stability.\n\nThat's how I'm gonna put it to them anyway. And then they can have a look at my figures and see what they think if, you know, that's my plan then. Well, my plan my I I don't wanna have to do it. Like, I just hope I stay busy and don't have to do it. But the point is if push comes to shove and things start going backwards and then my bank account starts going backwards, then I'll have to do that.\n\nBut then my accountant said and then my accountant said with my car and all that, because we talked about it and we could roll it over and then I'd have to, like, sell it. And then I'd have to, you know, pay, like, stamp duty and claims it back and all that. So then the bookkeeping accounts are better just to leave the car in the company name, and then me pay the company. So I still got my online video and stuff. So me pay the company.\n\nLike like, it's a thousand dollars a month for the car, so me just transfer $500 a pay from me to the car, which is a directed loan to the company, then the company is still actually trading. So, therefore, we can't actually get the company to pay you back any money. But he said it's also gonna be difficult at that time if you start doing that to get any money out of the company because the company is not really trading and making anything. So so I said, so basically, if I make this transition, I'll have to pull all the money out of the company in bonuses before I do it. And he goes, yeah.\n\nIt's easy to take dividends out of the company now. But, I mean, I don't really have to wanna have to make this transition if I can avoid it. But, yeah, if I do, he said, you need to kind of do some bonus payments and get the money out of there before you do it or I thought it'd be difficult to get it out if it's not really trading. So yeah. So that's what I mean.\n\nSo, obviously, like, it'd be fine, and it'd be a little while. But yeah. So I know what I need to do and how much I need to earn, and I just like to have it ready to push the button if I have to. Yep. Yep.\n\nWell, it wouldn't really go up with what I will ultimately be getting. Well, because ultimately in the hand why did you say I would get in the hand? Because I think ultimately it's gonna work out. By the time we do super and take super out and p a y g, I I don't think it's gonna be that that different, you know, because I said I'm getting 3,200 a fortnight, and that's we worked it back from that's what I want in the hand kind of thing. But it will end up, yeah, being a $178.\n\nYes. I guess the super on that's probably gonna be more than on a 112, isn't it? Yeah. Yeah. Yeah.\n\nAnd probably better too. Yep. I'm gonna just keep that because I don't want the premiums to go up anymore. So, look, if I'm dead, then I'm I don't have any kids or whatever. So, you know, if I'm dead, then I don't really think it matters.\n\nThe life insurance. I don't know. My parents are my beneficiaries or my cousins. So, you know, I'm really gonna be more than enough for them. Well, the house, I owe 430.\n\nSo, you know, that'll cover that. So I then own the house, I guess. So yeah. So I think that'll be alright. With this call.\n\nYeah. Yeah. Well, I'm an only child too. So when my parents die, like, their house is worth a couple of million, so I get all of that too. So yeah.\n\nSo I think that'll be fine. Yeah. Yeah. Because yeah. Because it would just be that we'd if we made a change, that would probably just be upping a 138 or whatever to a 130 to a 170 eight, wouldn't it?\n\nWell, see, the the point is I would have sick pay if something happens. So I'd get sick pay for well, you know, I don't know, probably only a few days and potentially holiday pay if something happens. So probably at least get a couple of weeks of that, maybe. Yeah. Yeah.\n\nYep. Yep. Yep. Yeah. That maybe forty five days or something like that if I was if I was on the higher salary because that 45, yeah, with the higher salary.\n\nI mean, if I was on the highest salary, like I said, I'd probably get I don't know how much sick pay they'd give me, like, maybe five days or a week or something. Or I guess you accrue sick leave. So so, yeah, that'd probably give me an extra few days to week or something. Sorry. Yeah.\n\nYeah. Because you better remind yeah. Because you better remind me about that because if it happens, it'll it'll mean it'll be pretty full on, like, just having to work out the car, change everything. So I'll probably forget to ring you about that if it happens because I'll be not very happy, obviously. Yep.\n\nYep. No. It's probably the main one. Just trying to control what's going on here. Which one is that?\n\nSorry. Yep. Uh-huh. Mhmm. Mhmm.\n\nMhmm. Yep. Yep. That's fine. Mhmm.\n\nSounds good. No. Alright. So, yeah, I can escape it as it is, and that I don't have to. But fingers crossed.\n\nHaven't been looking great the last few weeks the last few months. But yeah. Yeah. Wonderful. Thank you very much.\n\nReally appreciate it. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.04,"sentiment":"neutral","sentiment_score":0.02338492125272751},{"text":"Sally speaking.","start":1.04,"end":1.86,"sentiment":"neutral","sentiment_score":0.0422811396420002},{"text":"Good.","start":5.8399997,"end":6.16,"sentiment":"positive","sentiment_score":0.5127179622650146},{"text":"Thanks.","start":6.16,"end":6.3999996,"sentiment":"positive","sentiment_score":0.5195455551147461},{"text":"How are you?","start":6.3999996,"end":6.96,"sentiment":"neutral","sentiment_score":0.2151074210802714}],"sentiment":"neutral","sentiment_score":0.22319162264466286,"num_words":8,"start":0.56,"end":6.96},{"sentences":[{"text":"Sorry.","start":6.96,"end":7.3599997,"sentiment":"neutral","sentiment_score":-0.16016149520874023},{"text":"I just had a a call, and it was, like, an 02 number.","start":7.3599997,"end":10.559999,"sentiment":"neutral","sentiment_score":-0.1642108869094115},{"text":"I'm like, I don't think you'd be calling from there, and it was, like, Google Maps or something.","start":10.559999,"end":14.48,"sentiment":"neutral","sentiment_score":-0.2240699844227897},{"text":"So I was just like and I'm like because it was, like, at the time, I'm like, I better take it because otherwise you'll call me and it won't be and, you know, it it might be you.","start":14.48,"end":25.404999,"sentiment":"neutral","sentiment_score":-0.3167234772914334},{"text":"So yeah.","start":25.404999,"end":26.145,"sentiment":"neutral","sentiment_score":-0.21401814371347427}],"sentiment":"neutral","sentiment_score":-0.2609957106825378,"num_words":72,"start":6.96,"end":26.145},{"sentences":[{"text":"Oh, well, it's alright.","start":31.91,"end":32.79,"sentiment":"neutral","sentiment_score":-0.3310670964419842},{"text":"I just hung up on them.","start":32.79,"end":34.010002,"sentiment":"negative","sentiment_score":-0.4033106416463852},{"text":"Exactly.","start":40.71,"end":41.21,"sentiment":"neutral","sentiment_score":0.18774384260177612},{"text":"Yeah.","start":42.805,"end":43.045,"sentiment":"neutral","sentiment_score":0.1409185528755188},{"text":"How's your day been?","start":43.045,"end":44.105,"sentiment":"neutral","sentiment_score":0.15994704514741898}],"sentiment":"neutral","sentiment_score":-0.17348010372370481,"num_words":16,"start":31.91,"end":44.105},{"sentences":[{"text":"Good.","start":50.245,"end":50.745,"sentiment":"positive","sentiment_score":0.4640630781650543},{"text":"Mhmm.","start":55.125,"end":55.625,"sentiment":"neutral","sentiment_score":0.027122484520077705},{"text":"Mhmm.","start":57.3,"end":57.8,"sentiment":"neutral","sentiment_score":0.016610540449619293},{"text":"Mhmm.","start":57.94,"end":58.44,"sentiment":"neutral","sentiment_score":0.003276475705206394},{"text":"Eighteenth of the second seventy five fourteen Revoltz Drive, Benelma.","start":68.34,"end":71.64,"sentiment":"neutral","sentiment_score":0.009111672639846802}],"sentiment":"neutral","sentiment_score":0.043013521802744696,"num_words":14,"start":50.245,"end":71.64},{"sentences":[{"text":"Mhmm.","start":79.525,"end":79.925,"sentiment":"neutral","sentiment_score":0.013781510293483734},{"text":"Yep.","start":79.925,"end":80.425,"sentiment":"neutral","sentiment_score":0.0773882269859314},{"text":"I I just thought, like, it it sounds to me like they're kinda saying, you can change to this thing and then, like, say you had a mental health issue or something like that, then we'll pay you out in part payments rather than full.","start":91.22,"end":104.405,"sentiment":"neutral","sentiment_score":-0.08747126654618316},{"text":"Like you know?","start":104.405,"end":105.605,"sentiment":"neutral","sentiment_score":-0.03244111190239588},{"text":"And I kinda go, well, so say it was a like like, my ex had a a claim, you know, that he actually ended up passing away.","start":105.605,"end":112.165,"sentiment":"neutral","sentiment_score":-0.29365448046613624}],"sentiment":"neutral","sentiment_score":-0.15416924111158042,"num_words":77,"start":79.525,"end":112.165},{"sentences":[{"text":"So from drinking and mental health stuff, but which I don't know if he'll be able to claim on his life insurance because I probably say it took his own life or something.","start":112.165,"end":120.439995,"sentiment":"neutral","sentiment_score":-0.27145134635043866},{"text":"So, you know, it made me and he couldn't work in his occupation, but it was any occupation or own occupation.","start":120.439995,"end":126.36,"sentiment":"neutral","sentiment_score":-0.32225196560223895},{"text":"That's why I was asking you, and and now I don't know if he'll be able to claim on his life insurance.","start":126.36,"end":130.025,"sentiment":"neutral","sentiment_score":-0.2719227678396485},{"text":"So he fought for year for years with them and didn't get a dime kind of thing.","start":130.325,"end":136.965,"sentiment":"neutral","sentiment_score":-0.3278333667446585},{"text":"So they're kind of saying, well, instead of us fighting because we don't wanna give you a, like, $9,000,000 payout.","start":136.965,"end":141.545,"sentiment":"neutral","sentiment_score":-0.2754894353449345}],"sentiment":"neutral","sentiment_score":-0.29018090744461633,"num_words":113,"start":112.165,"end":141.545},{"sentences":[{"text":"Like, in all that time, he had to keep paying off his premiums, like, for the for the while they were deciding, he was still paying all the premiums, but then they didn't give him any money.","start":142.34,"end":152.98,"sentiment":"negative","sentiment_score":-0.3497187104579565},{"text":"So it's kinda saying, well, we'd pay you in part payments.","start":152.98,"end":155.38,"sentiment":"neutral","sentiment_score":-0.18300473283637653},{"text":"But to me, it's like, well, if if I'm owed $9,000,000, I probably want $9,000,000, not Eudice to pay me 2,000,000 and go, you you should be better now.","start":155.38,"end":162.625,"sentiment":"neutral","sentiment_score":-0.2608898369402721},{"text":"So sounds like they're trying to cover themselves so they don't have to do a big lump sum payment.","start":162.625,"end":166.46501,"sentiment":"neutral","sentiment_score":-0.17959953491625033},{"text":"But, ultimately, they're not try and say I'm fully better.","start":166.46501,"end":171.12001,"sentiment":"neutral","sentiment_score":-0.2833664521574974}],"sentiment":"neutral","sentiment_score":-0.27136325758864294,"num_words":106,"start":142.34,"end":171.12001},{"sentences":[{"text":"And after two years, I'm gonna have to go through the whole process, and then I'm gonna say I'm fully better.","start":171.12001,"end":174.64,"sentiment":"neutral","sentiment_score":-0.21130977925800143},{"text":"And after three years, they're gonna try and say I'm fully better kinda thing.","start":174.64,"end":177.86,"sentiment":"neutral","sentiment_score":-0.30438208899327684},{"text":"And they're only just gonna pay me part payments.","start":177.92001,"end":179.92001,"sentiment":"negative","sentiment_score":-0.3517208264933692},{"text":"So I just think they're trying to cover their own back, but I can't see any benefit to me at all other than I might get a part payment.","start":179.92001,"end":188.125,"sentiment":"negative","sentiment_score":-0.4991197606612896},{"text":"But, also, once you take that up, you can't go back.","start":188.125,"end":190.685,"sentiment":"negative","sentiment_score":-0.39165904982523486}],"sentiment":"negative","sentiment_score":-0.3648460078097525,"num_words":84,"start":171.12001,"end":190.685},{"sentences":[{"text":"It's like once you decrease your credit card limit, you can't increase it again without a full loan thing.","start":190.685,"end":194.925,"sentiment":"neutral","sentiment_score":-0.10425458005384396},{"text":"So they're saying once you take it up, then you can't go back to your other one.","start":194.925,"end":200.25,"sentiment":"neutral","sentiment_score":-0.1569858679876608},{"text":"Like, you can't just get rid of it.","start":200.25,"end":201.61,"sentiment":"neutral","sentiment_score":-0.2280661053955555},{"text":"So it doesn't seem very appealing to me in any way, shape, or form, to be honest.","start":201.61,"end":205.13,"sentiment":"negative","sentiment_score":-0.3487249244661892},{"text":"It just seems like they're trying to save money, and I can't see how I benefit from it at all.","start":205.13,"end":210.345,"sentiment":"neutral","sentiment_score":-0.17743801921606064}],"sentiment":"neutral","sentiment_score":-0.19692851506449557,"num_words":81,"start":190.685,"end":210.345},{"sentences":[{"text":"Except maybe maybe my premiums might go down, but then they might go up again the next year.","start":210.425,"end":214.845,"sentiment":"neutral","sentiment_score":-0.22236164576477474},{"text":"But the whole thing is before it becomes TPD anyway, you've gotta have been on income protection for, like, five years anyway, don't you, before you can even get a TPD claim.","start":237.53,"end":245.655,"sentiment":"neutral","sentiment_score":-0.17022393899969757},{"text":"Well, his doctor said and Katja said he's not likely, but because alcohol was involved as well Yeah.","start":256.5,"end":263.42,"sentiment":"neutral","sentiment_score":-0.24361344675223032},{"text":"With the mental health, which, you know, in a lot of case, there probably is some alcohol or addiction or something involved too.","start":263.7,"end":268.835,"sentiment":"neutral","sentiment_score":-0.25843625094579614},{"text":"So I was just like, no.","start":268.835,"end":270.115,"sentiment":"neutral","sentiment_score":-0.27767854432264966}],"sentiment":"neutral","sentiment_score":-0.22108064691737755,"num_words":97,"start":210.425,"end":270.115},{"sentences":[{"text":"They gave him nothing.","start":270.115,"end":271.175,"sentiment":"neutral","sentiment_score":-0.3266633525490761},{"text":"And then oh, sorry.","start":272.355,"end":276.275,"sentiment":"neutral","sentiment_score":-0.09562844969332218},{"text":"No.","start":276.275,"end":276.435,"sentiment":"neutral","sentiment_score":-0.1397654116153717},{"text":"What were you saying?","start":276.435,"end":277.335,"sentiment":"neutral","sentiment_score":-0.11033607460558414},{"text":"Yeah.","start":295.125,"end":295.625,"sentiment":"neutral","sentiment_score":-0.04673582315444946}],"sentiment":"neutral","sentiment_score":-0.16550091015441076,"num_words":14,"start":270.115,"end":295.625},{"sentences":[{"text":"Yeah.","start":299.11874,"end":299.61874,"sentiment":"neutral","sentiment_score":-0.15044963359832764},{"text":"Yeah.","start":303.1125,"end":303.6125,"sentiment":"neutral","sentiment_score":-0.12102646380662918},{"text":"Well, basically, he was a top real estate agent, and then you can't he'll never would never be able to deal with and after having a problem with alcohol because of the mental health, he'd never ever be able to deal with that sort of stress.","start":307.10626,"end":323.115,"sentiment":"negative","sentiment_score":-0.47474111260279367},{"text":"But then the their argument is kind of like, well, I guess if you can work at Macca's or, you know, you still could do some work.","start":323.19498,"end":329.675,"sentiment":"neutral","sentiment_score":-0.17410097657530396},{"text":"So you're not you're not totally permanently disabled because he was on any occupation.","start":329.675,"end":334.495,"sentiment":"neutral","sentiment_score":-0.2773189534034048}],"sentiment":"negative","sentiment_score":-0.34486246058780157,"num_words":89,"start":299.11874,"end":334.495},{"sentences":[{"text":"So they gave him nothing.","start":334.715,"end":335.88,"sentiment":"negative","sentiment_score":-0.3919017791748047},{"text":"Well, at one point, after fighting for a couple of years, they they agreed to give him $750.","start":336.92,"end":343.24,"sentiment":"neutral","sentiment_score":-0.09038222136182918},{"text":"But his premiums were, like, 11 or $12 a month that he was still paying the whole time.","start":343.24,"end":349.305,"sentiment":"neutral","sentiment_score":-0.2819488263792462},{"text":"And they upped his premiums.","start":349.625,"end":351.16498,"sentiment":"neutral","sentiment_score":-0.23202854990959168},{"text":"They upped his premiums.","start":351.865,"end":353.085,"sentiment":"neutral","sentiment_score":-0.1632009968161583}],"sentiment":"neutral","sentiment_score":-0.20948828984051943,"num_words":50,"start":334.715,"end":353.085},{"sentences":[{"text":"They kept upping his premiums.","start":353.785,"end":355.405,"sentiment":"neutral","sentiment_score":-0.24334634840488434},{"text":"And then at one stage, they go, okay.","start":355.705,"end":357.54498,"sentiment":"neutral","sentiment_score":-0.13725648261606693},{"text":"We'll pay you $750.","start":357.54498,"end":359.725,"sentiment":"neutral","sentiment_score":-0.09720112197101116},{"text":"It was a 9 million dollar policy.","start":359.865,"end":361.565,"sentiment":"neutral","sentiment_score":-0.10695376460041318},{"text":"And and then his lawyer turns around and goes, oh, well, that's admission of of liability.","start":362.345,"end":367.38,"sentiment":"neutral","sentiment_score":-0.2275484073907137}],"sentiment":"neutral","sentiment_score":-0.17732597403228284,"num_words":40,"start":353.785,"end":367.38},{"sentences":[{"text":"So, yeah, like, we still got a chance of getting the 9,000,000 because they've admitted liability by offering you $9.09 $750.","start":367.68002,"end":374.72,"sentiment":"neutral","sentiment_score":-0.19660956164201102},{"text":"And I'm like, I don't think so.","start":374.72,"end":376.34,"sentiment":"negative","sentiment_score":-0.38056147524288725},{"text":"So the claim kept going.","start":377.94498,"end":378.905,"sentiment":"negative","sentiment_score":-0.47912434935569764},{"text":"And I'm like, he should have just told you, like, no.","start":378.905,"end":381.245,"sentiment":"negative","sentiment_score":-0.5090324743227526},{"text":"Because if they've offered you $750, I can't see that they're admitting liability, and they're gonna pay you 9,000,000.","start":382.025,"end":388.525,"sentiment":"negative","sentiment_score":-0.5558288458146547}],"sentiment":"negative","sentiment_score":-0.4023564786665023,"num_words":63,"start":367.68002,"end":388.525},{"sentences":[{"text":"You typed that out and said you can't claim it.","start":401.0,"end":403.5,"sentiment":"negative","sentiment_score":-0.3467542216181755},{"text":"That's what I gathered.","start":426.72,"end":427.6,"sentiment":"neutral","sentiment_score":-0.1255563497543335},{"text":"It just it just all seemed really dodgy to me, and I'm like, it doesn't sound like I have anything to gain from this at all and that they're just trying to, you know, make you think it sounds like they're giving you lots of stuff and saving you money, but you're actually not.","start":427.6,"end":440.98502,"sentiment":"negative","sentiment_score":-0.5506432787687691},{"text":"And, yeah, I I can't really see any benefit to me at all other than, you know, they're less likely to pay me as much money as as I would need if it happened.","start":440.98502,"end":449.51,"sentiment":"negative","sentiment_score":-0.6314905128058266},{"text":"It's just gonna save them money, and I'm gonna be going to if something happened, I'll be going to specialist.","start":449.51,"end":453.99002,"sentiment":"negative","sentiment_score":-0.5162517577409744}],"sentiment":"negative","sentiment_score":-0.5368870267125426,"num_words":122,"start":401.0,"end":453.99002},{"sentences":[{"text":"Like, every year, he'd be trying to save those better, and you got the stress of seeing their specialist every year.","start":453.99002,"end":459.69,"sentiment":"negative","sentiment_score":-0.5478449378694806},{"text":"Yeah.","start":466.045,"end":466.545,"sentiment":"neutral","sentiment_score":-0.07909168303012848},{"text":"Yeah.","start":481.82,"end":482.32,"sentiment":"neutral","sentiment_score":-0.08920548856258392},{"text":"Yeah.","start":500.135,"end":500.635,"sentiment":"neutral","sentiment_score":0.006355142220854759},{"text":"Yeah.","start":501.415,"end":501.915,"sentiment":"neutral","sentiment_score":-0.08899969607591629}],"sentiment":"negative","sentiment_score":-0.47022741682827474,"num_words":25,"start":453.99002,"end":501.915},{"sentences":[{"text":"And I also wonder whether they could then say that it's almost, like, become a new premium.","start":513.54,"end":518.83997,"sentiment":"neutral","sentiment_score":-0.21652000528924606},{"text":"So then say you get a new condition.","start":518.98,"end":520.965,"sentiment":"neutral","sentiment_score":-0.055509339552372694},{"text":"Like, say with my ex, he'd had the same premium for twenty years.","start":520.965,"end":524.42505,"sentiment":"neutral","sentiment_score":-0.04600735237965217},{"text":"But when his wife divorced him, he started drinking and got a problem with that.","start":525.685,"end":531.36505,"sentiment":"neutral","sentiment_score":-0.27127731690804163},{"text":"Right?","start":531.36505,"end":531.86505,"sentiment":"neutral","sentiment_score":-0.1045125275850296}],"sentiment":"neutral","sentiment_score":-0.16475338274957957,"num_words":54,"start":513.54,"end":531.86505},{"sentences":[{"text":"But he changed companies and policies a year before.","start":532.085,"end":535.97003,"sentiment":"neutral","sentiment_score":-0.11573000997304916},{"text":"He'd had the same thing for, like, fifteen years, and the issue was and he paid premiums, like, was paying $20.25 grand a year between income protection and TPD and life.","start":536.51,"end":547.57,"sentiment":"neutral","sentiment_score":-0.08707136793002006},{"text":"And so he paid millions and for, like, twenty years, twenty five years.","start":547.71,"end":552.78503,"sentiment":"neutral","sentiment_score":-0.10660687031654212},{"text":"And they basically said, like because it was a he changed policies.","start":553.16504,"end":562.125,"sentiment":"neutral","sentiment_score":-0.1603603313366572},{"text":"It was a new policy, and therefore, they said, well, we think that you had a drinking problem before you started with our policy.","start":562.125,"end":569.01,"sentiment":"neutral","sentiment_score":-0.24588384137799343}],"sentiment":"neutral","sentiment_score":-0.14553042672825664,"num_words":89,"start":532.085,"end":569.01},{"sentences":[{"text":"So that was one of the things I tried to get off.","start":569.39,"end":571.71,"sentiment":"neutral","sentiment_score":-0.16735145884255567},{"text":"And I just wonder, like, even with this, could they claim that this is a new policy or a new kind of thing?","start":571.71,"end":576.11005,"sentiment":"neutral","sentiment_score":-0.23992721477280493},{"text":"Even though you had your previous one, it's kind of a new like, I just wonder if they'll try and use that as well down the track as well.","start":576.11005,"end":582.505,"sentiment":"neutral","sentiment_score":-0.22031203297705487},{"text":"Yep.","start":600.15,"end":600.65,"sentiment":"neutral","sentiment_score":0.005602553486824036},{"text":"Yeah.","start":605.27,"end":605.51,"sentiment":"neutral","sentiment_score":-0.03470704331994057}],"sentiment":"neutral","sentiment_score":-0.2112832862432256,"num_words":66,"start":569.39,"end":605.51},{"sentences":[{"text":"Like, my thumbs and stuff like that and on my PPO.","start":605.51,"end":608.01,"sentiment":"neutral","sentiment_score":-0.11212554912675511},{"text":"Yep.","start":608.23004,"end":608.47003,"sentiment":"neutral","sentiment_score":-0.05525806173682213},{"text":"That's what I was wondering about.","start":608.47003,"end":609.915,"sentiment":"neutral","sentiment_score":-0.21036134163538614},{"text":"Yeah.","start":617.355,"end":617.855,"sentiment":"neutral","sentiment_score":-0.1437857747077942},{"text":"That's what I thought I'd do.","start":618.39496,"end":619.51495,"sentiment":"negative","sentiment_score":-0.4726262539625168}],"sentiment":"neutral","sentiment_score":-0.2212140180170536,"num_words":25,"start":605.51,"end":619.51495},{"sentences":[{"text":"I thought they'd kind of call it a new a new policy and do all that, you know.","start":619.51495,"end":623.195,"sentiment":"negative","sentiment_score":-0.538908853299088},{"text":"So it's not like we've got a policy, so we'll just roll it over and add this.","start":623.195,"end":627.22003,"sentiment":"neutral","sentiment_score":-0.13729592741412275},{"text":"That's what I thought.","start":627.22003,"end":627.86,"sentiment":"neutral","sentiment_score":-0.15545256435871124},{"text":"They'd do a whole new review, which is what I really don't wanna have.","start":627.86,"end":631.24,"sentiment":"negative","sentiment_score":-0.5282399015767234},{"text":"Yeah.","start":655.08,"end":655.58,"sentiment":"neutral","sentiment_score":-0.20433524250984192}],"sentiment":"negative","sentiment_score":-0.3751091527304164,"num_words":54,"start":619.51495,"end":655.58},{"sentences":[{"text":"Yeah.","start":658.44,"end":658.68,"sentiment":"negative","sentiment_score":-0.36366456747055054},{"text":"I'm pretty old too old for that, I think, now.","start":658.68,"end":660.86,"sentiment":"negative","sentiment_score":-0.5718729972839356},{"text":"Yeah.","start":692.87,"end":693.11,"sentiment":"neutral","sentiment_score":0.03833714127540589},{"text":"Yeah.","start":693.11,"end":693.59,"sentiment":"neutral","sentiment_score":0.046019818633794785},{"text":"Yeah.","start":693.59,"end":693.83,"sentiment":"neutral","sentiment_score":0.06921185553073883}],"sentiment":"negative","sentiment_score":-0.42348755177642616,"num_words":14,"start":658.44,"end":693.83},{"sentences":[{"text":"Yeah.","start":693.83,"end":694.15,"sentiment":"neutral","sentiment_score":0.09118079394102097},{"text":"Yeah.","start":694.15,"end":694.55,"sentiment":"neutral","sentiment_score":0.14023566246032715},{"text":"Oh, that's good.","start":694.55,"end":695.27,"sentiment":"positive","sentiment_score":0.3685891131560008},{"text":"Yeah.","start":695.27,"end":695.565,"sentiment":"neutral","sentiment_score":0.17889881134033203},{"text":"Yeah.","start":695.645,"end":695.725,"sentiment":"neutral","sentiment_score":0.1130148470401764}],"sentiment":"neutral","sentiment_score":0.23272820774997985,"num_words":7,"start":693.83,"end":695.725},{"sentences":[{"text":"I got it because then yeah.","start":695.725,"end":697.245,"sentiment":"neutral","sentiment_score":0.04333772292981545},{"text":"And then I got it again on on the other policy, and and it set the wording with slightly different.","start":697.245,"end":702.125,"sentiment":"neutral","sentiment_score":-0.02081694910302758},{"text":"So that's initially, I just look at it and go, oh, what?","start":702.125,"end":704.785,"sentiment":"neutral","sentiment_score":-0.035908388129125036},{"text":"Yeah.","start":706.205,"end":706.525,"sentiment":"neutral","sentiment_score":-0.10535556077957152},{"text":"I thought that was weird.","start":706.525,"end":707.745,"sentiment":"neutral","sentiment_score":-0.2748304009437561}],"sentiment":"neutral","sentiment_score":-0.0469709288074889,"num_words":44,"start":695.725,"end":707.745},{"sentences":[{"text":"Are you yeah.","start":708.285,"end":710.36005,"sentiment":"neutral","sentiment_score":-0.18126736332972845},{"text":"So basically, just leave it as it is.","start":710.36005,"end":711.8,"sentiment":"neutral","sentiment_score":-0.051415192894637585},{"text":"Don't touch it because otherwise, we've got the whole thumb issue and all that kind of thing as well.","start":711.8,"end":715.82,"sentiment":"neutral","sentiment_score":-0.28730899487671097},{"text":"Right.","start":716.60004,"end":717.08,"sentiment":"neutral","sentiment_score":0.03415285050868988},{"text":"Yeah.","start":717.08,"end":717.58,"sentiment":"neutral","sentiment_score":0.06260201334953308}],"sentiment":"neutral","sentiment_score":-0.19741373974829912,"num_words":32,"start":708.285,"end":717.58},{"sentences":[{"text":"Are you able to do my quick financial review thing so I don't have to book a whole appointment or not or Let's see.","start":718.28,"end":726.885,"sentiment":"neutral","sentiment_score":0.07702755929979806},{"text":"Because all my risk strategy and stuff's gonna be the same.","start":729.185,"end":731.585,"sentiment":"neutral","sentiment_score":-0.14103980938141997},{"text":"I don't feel that I need to go back through that.","start":731.585,"end":733.825,"sentiment":"neutral","sentiment_score":-0.2614997381513769},{"text":"But Yep.","start":733.825,"end":746.96,"sentiment":"neutral","sentiment_score":-0.001557222567498684},{"text":"No.","start":762.005,"end":762.325,"sentiment":"neutral","sentiment_score":-0.2284237444400787}],"sentiment":"neutral","sentiment_score":-0.05736350590287118,"num_words":49,"start":718.28,"end":762.325},{"sentences":[{"text":"It's getting worse.","start":762.325,"end":763.045,"sentiment":"negative","sentiment_score":-0.5378369490305582},{"text":"Like, I've tried to airdrop things to some of my clients, and, you know, now with airdrop, even you gotta do two factor authentication, they have to get a code on their phone, and I'll have to put it into my iPhone and everything just to airdrop something from iPhone to iPhone now.","start":763.045,"end":777.72,"sentiment":"neutral","sentiment_score":-0.25625715798364496},{"text":"Yeah.","start":779.865,"end":780.025,"sentiment":"neutral","sentiment_score":-0.04697033762931824},{"text":"The last three airdrops I've done, it's made me put a code in from their phone.","start":780.025,"end":785.245,"sentiment":"neutral","sentiment_score":-0.11639046622440219},{"text":"So if I was airdropping and we weren't in the same room, and you weren't very good with your phone, I'd have to kinda, you know, talk you through it.","start":787.545,"end":794.52,"sentiment":"neutral","sentiment_score":-0.2782176335652669}],"sentiment":"neutral","sentiment_score":-0.24709599052818076,"num_words":103,"start":762.325,"end":794.52},{"sentences":[{"text":"Yeah.","start":802.60004,"end":803.10004,"sentiment":"neutral","sentiment_score":-0.1571967601776123},{"text":"Yep.","start":804.36005,"end":804.86005,"sentiment":"neutral","sentiment_score":-0.22125838696956637},{"text":"Mhmm.","start":818.445,"end":818.945,"sentiment":"neutral","sentiment_score":-0.005072561092674732},{"text":"Mhmm.","start":827.24,"end":827.56,"sentiment":"neutral","sentiment_score":0.003844949882477522},{"text":"Yep.","start":827.56,"end":828.06,"sentiment":"neutral","sentiment_score":0.04027068242430687}],"sentiment":"neutral","sentiment_score":-0.0678824151866138,"num_words":5,"start":802.60004,"end":828.06},{"sentences":[{"text":"Yeah.","start":829.88,"end":830.12,"sentiment":"neutral","sentiment_score":0.04417546093463898},{"text":"I just think I've got an email saying you're due for your spring review or something.","start":830.12,"end":834.38,"sentiment":"neutral","sentiment_score":0.04812609625514597},{"text":"Cool.","start":862.165,"end":862.665,"sentiment":"neutral","sentiment_score":0.2921709418296814},{"text":"No.","start":874.245,"end":874.405,"sentiment":"neutral","sentiment_score":-0.024075094610452652},{"text":"I get information when when there's trades made and stuff like that.","start":874.405,"end":879.12006,"sentiment":"neutral","sentiment_score":-0.008147513338675102}],"sentiment":"neutral","sentiment_score":0.03175866736039039,"num_words":31,"start":829.88,"end":879.12006},{"sentences":[{"text":"Mhmm.","start":893.40497,"end":893.90497,"sentiment":"neutral","sentiment_score":0.07211616635322571},{"text":"Mhmm.","start":913.87994,"end":914.37994,"sentiment":"neutral","sentiment_score":0.018374377861618996},{"text":"Mhmm.","start":927.925,"end":928.425,"sentiment":"neutral","sentiment_score":0.018271248787641525},{"text":"Yeah.","start":943.705,"end":944.025,"sentiment":"neutral","sentiment_score":0.10681287199258804},{"text":"I think so.","start":944.025,"end":944.92505,"sentiment":"neutral","sentiment_score":0.13984817763169607}],"sentiment":"neutral","sentiment_score":0.09073131398430892,"num_words":7,"start":893.40497,"end":944.92505},{"sentences":[{"text":"Yeah.","start":977.785,"end":978.105,"sentiment":"neutral","sentiment_score":0.04443053528666496},{"text":"So what's happened is because now the government's made done a made is making us because it's just I'm including my company, so I send it in.","start":978.105,"end":988.33,"sentiment":"neutral","sentiment_score":0.048646846441207106},{"text":"Every time you do a pay, which is every fortnight, you have to do your super at the same time.","start":988.39,"end":992.47003,"sentiment":"neutral","sentiment_score":0.020327669102698565},{"text":"So every time one of my pay thing go through so, basically, it'll be every two weeks, there'll be a payment now.","start":992.47003,"end":998.295,"sentiment":"neutral","sentiment_score":0.013061363250017166},{"text":"Oh, but I went overseas.","start":998.295,"end":999.355,"sentiment":"neutral","sentiment_score":-0.016277644969522952}],"sentiment":"neutral","sentiment_score":0.026272140505413214,"num_words":75,"start":977.785,"end":999.355},{"sentences":[{"text":"So because I was overseas for three weeks, I said to my so I paid in about.","start":1000.055,"end":1005.99,"sentiment":"neutral","sentiment_score":-0.032616466064663494},{"text":"So that's why there would have been a heap in advance because I got my payroll lady to do all of them and work it out because I have to give her the zero code so she gets it taken out of my bank account.","start":1006.07,"end":1015.05,"sentiment":"neutral","sentiment_score":-0.01372546698484156},{"text":"And so the problem is she was going on holidays, and I was gonna be away for, like, four weeks.","start":1015.27,"end":1018.975,"sentiment":"neutral","sentiment_score":-0.2780393801629543},{"text":"And I'm like, well, how are you supposed to do this stupid stuff when I'm not gonna be in the country?","start":1018.975,"end":1022.595,"sentiment":"negative","sentiment_score":-0.3354391462746121},{"text":"And then, you know, I won't be able to get a netback notification.","start":1022.975,"end":1025.215,"sentiment":"neutral","sentiment_score":-0.191392081288191}],"sentiment":"neutral","sentiment_score":-0.14021752301025495,"num_words":116,"start":1000.055,"end":1025.215},{"sentences":[{"text":"I won't be able to give you because I won't be on my Australian mobile.","start":1025.215,"end":1028.335,"sentiment":"neutral","sentiment_score":-0.20945202310880026},{"text":"I won't be able to give you the zero code.","start":1028.335,"end":1029.9349,"sentiment":"neutral","sentiment_score":-0.1481633186340332},{"text":"So how are you gonna do it?","start":1029.9349,"end":1030.735,"sentiment":"neutral","sentiment_score":0.019877946270363673},{"text":"And she goes, well, I'll do all your pays early.","start":1030.735,"end":1033.1,"sentiment":"neutral","sentiment_score":0.08144523426890374},{"text":"And I said, well, I'll pay myself for those weeks before I leave.","start":1033.1,"end":1036.24,"sentiment":"neutral","sentiment_score":0.04801853316334578}],"sentiment":"neutral","sentiment_score":-0.055374084277586506,"num_words":55,"start":1025.215,"end":1036.24},{"sentences":[{"text":"And then she said, I'll do them early, and then you just send me the verification code.","start":1036.38,"end":1039.58,"sentiment":"neutral","sentiment_score":0.019735006615519524},{"text":"She said you can pay them early.","start":1039.58,"end":1041.12,"sentiment":"neutral","sentiment_score":0.03363332498286452},{"text":"So yeah.","start":1041.4199,"end":1041.8999,"sentiment":"neutral","sentiment_score":-0.0032907743006944656},{"text":"So that's why there was a heap going through because I went away, but now it'll be every two weeks.","start":1041.8999,"end":1045.58,"sentiment":"neutral","sentiment_score":-0.08622729722410441},{"text":"It'll go in.","start":1045.58,"end":1046.2999,"sentiment":"neutral","sentiment_score":-0.03322104240457217}],"sentiment":"neutral","sentiment_score":-0.025711474141904285,"num_words":49,"start":1036.38,"end":1046.2999},{"sentences":[{"text":"But, yeah, it's really annoying when you go away.","start":1046.2999,"end":1048.9551,"sentiment":"negative","sentiment_score":-0.48342032896147835},{"text":"Yeah.","start":1051.895,"end":1052.395,"sentiment":"neutral","sentiment_score":-0.1589738130569458},{"text":"Yeah.","start":1052.855,"end":1053.175,"sentiment":"neutral","sentiment_score":-0.059668466448783875},{"text":"That's because I was going away, so I have to do it all early.","start":1053.175,"end":1055.255,"sentiment":"neutral","sentiment_score":-0.017337753770074675},{"text":"But now I'll be up to date as of it'll be every fortnight now.","start":1055.255,"end":1058.055,"sentiment":"neutral","sentiment_score":0.11501202146921839}],"sentiment":"neutral","sentiment_score":-0.0821021921120775,"num_words":39,"start":1046.2999,"end":1058.055},{"sentences":[{"text":"Yeah.","start":1058.055,"end":1058.555,"sentiment":"neutral","sentiment_score":0.08225099742412567},{"text":"At the moment.","start":1066.22,"end":1067.04,"sentiment":"neutral","sentiment_score":0.005114048719406128},{"text":"Yeah.","start":1067.1,"end":1067.6,"sentiment":"neutral","sentiment_score":0.0746740996837616},{"text":"No.","start":1093.4299,"end":1093.6699,"sentiment":"neutral","sentiment_score":-0.1000710502266884},{"text":"Do you think with the profile, do you think at my age or is it common to be with my age to have a little bit more risk?","start":1093.6699,"end":1100.71,"sentiment":"neutral","sentiment_score":-0.16798881667533092}],"sentiment":"neutral","sentiment_score":-0.1362203139373485,"num_words":34,"start":1058.055,"end":1100.71},{"sentences":[{"text":"Like like, can you do 85% risk kind of thing, like, at this age?","start":1100.71,"end":1105.455,"sentiment":"neutral","sentiment_score":-0.1821400789277894},{"text":"Like, until I get to 60?","start":1105.455,"end":1108.4149,"sentiment":"neutral","sentiment_score":-0.13039658591151237},{"text":"Like, do more do more people get more conservative as they get older, like, to 60, or what do a lot of people tend to get?","start":1108.4149,"end":1115.6349,"sentiment":"neutral","sentiment_score":-0.10913170659198211},{"text":"Yep.","start":1139.605,"end":1140.105,"sentiment":"neutral","sentiment_score":-0.1421615034341812},{"text":"Well, I'm 51 now, so I'm I'm pretty sure I'll probably be working till 65.","start":1142.405,"end":1146.93,"sentiment":"neutral","sentiment_score":0.014519922807812691}],"sentiment":"neutral","sentiment_score":-0.09829238150268793,"num_words":62,"start":1100.71,"end":1146.93},{"sentences":[{"text":"Yep.","start":1170.325,"end":1170.825,"sentiment":"neutral","sentiment_score":0.25258079171180725},{"text":"Is it maybe is it maybe that, like, can I go to, like, 85?","start":1172.26,"end":1175.46,"sentiment":"neutral","sentiment_score":0.053437710872718265},{"text":"So at the moment, I'm on 80% risk and 20% stable, is it?","start":1175.46,"end":1180.0399,"sentiment":"neutral","sentiment_score":0.03087575719333612},{"text":"Right.","start":1187.2849,"end":1187.7849,"sentiment":"neutral","sentiment_score":0.0537397526204586},{"text":"Oh, you can't do, like, an 85 kind of to 90?","start":1189.365,"end":1192.825,"sentiment":"neutral","sentiment_score":-0.1174027906222777}],"sentiment":"neutral","sentiment_score":0.0041100660804659125,"num_words":40,"start":1170.325,"end":1192.825},{"sentences":[{"text":"Right.","start":1200.98,"end":1201.48,"sentiment":"neutral","sentiment_score":0.18132075667381287},{"text":"Because I'm totally happy to go up to, like, 85 kind of thing.","start":1202.1799,"end":1205.22,"sentiment":"positive","sentiment_score":0.6006742669985845},{"text":"So I guess if you're making investments, I guess, you know, and it's a bit do I don't know?","start":1205.22,"end":1209.5399,"sentiment":"neutral","sentiment_score":0.1092099088587259},{"text":"I mean, probably up to the 85 is probably okay, I think.","start":1209.5399,"end":1213.355,"sentiment":"neutral","sentiment_score":0.12775437658031782},{"text":"Yeah.","start":1216.2151,"end":1216.535,"sentiment":"neutral","sentiment_score":-0.04993477091193199}],"sentiment":"neutral","sentiment_score":0.25104765747876273,"num_words":46,"start":1200.98,"end":1216.535},{"sentences":[{"text":"90 to 95 sounds like, 90 five sounds a bit scary to me, but, like, 85 sounds okay.","start":1216.535,"end":1223.915,"sentiment":"neutral","sentiment_score":-0.09706128823260467},{"text":"Like yeah.","start":1223.975,"end":1224.9551,"sentiment":"neutral","sentiment_score":0.025245998054742813},{"text":"So maybe more on that higher end of the 80 to 85, but more like 85 kind of thing.","start":1225.47,"end":1230.35,"sentiment":"neutral","sentiment_score":0.04455585385623731},{"text":"It's probably better.","start":1230.35,"end":1231.1699,"sentiment":"neutral","sentiment_score":0.2069776107867559},{"text":"Yeah.","start":1246.915,"end":1247.315,"sentiment":"neutral","sentiment_score":0.15356874465942383}],"sentiment":"neutral","sentiment_score":-0.0017569393439348354,"num_words":43,"start":1216.535,"end":1247.315},{"sentences":[{"text":"Yeah.","start":1247.315,"end":1247.635,"sentiment":"neutral","sentiment_score":0.13376271724700928},{"text":"So I'm I'm happy to go slightly more aggressive, but $90.90 to 95 sounds a bit.","start":1247.635,"end":1252.9349,"sentiment":"neutral","sentiment_score":0.20166536699980497},{"text":"But, yeah, 85 to, you know, 85, 87 to, you know, 85 to 90, but but, you know, 90 if it seems pretty good, but but, yeah, 90 to 95 sounds a bit much.","start":1253.76,"end":1265.22,"sentiment":"neutral","sentiment_score":-0.025284214383539033},{"text":"So No.","start":1266.08,"end":1294.985,"sentiment":"neutral","sentiment_score":-0.11455826088786125},{"text":"Whatever you think.","start":1296.645,"end":1297.625,"sentiment":"neutral","sentiment_score":-0.041474111999074616}],"sentiment":"neutral","sentiment_score":0.03834297218626099,"num_words":56,"start":1247.315,"end":1297.625},{"sentences":[{"text":"Yeah.","start":1326.0651,"end":1326.5651,"sentiment":"neutral","sentiment_score":0.1272316426038742},{"text":"Mhmm.","start":1332.12,"end":1332.62,"sentiment":"neutral","sentiment_score":0.10547249764204024},{"text":"Yeah.","start":1341.24,"end":1341.56,"sentiment":"neutral","sentiment_score":0.11946812272071838},{"text":"Yeah.","start":1341.56,"end":1341.8,"sentiment":"neutral","sentiment_score":0.13956788182258606},{"text":"Yeah.","start":1341.8,"end":1342.04,"sentiment":"neutral","sentiment_score":0.22464004158973697}],"sentiment":"neutral","sentiment_score":0.14327603727579116,"num_words":5,"start":1326.0651,"end":1342.04},{"sentences":[{"text":"That sounds good.","start":1342.04,"end":1343.0,"sentiment":"positive","sentiment_score":0.4748661021391551},{"text":"Yeah.","start":1343.0,"end":1343.5,"sentiment":"positive","sentiment_score":0.37592506408691406},{"text":"Yep.","start":1352.705,"end":1353.205,"sentiment":"neutral","sentiment_score":0.110168918967247},{"text":"Yep.","start":1354.385,"end":1354.885,"sentiment":"neutral","sentiment_score":0.0967559814453125},{"text":"Yeah.","start":1354.945,"end":1355.345,"sentiment":"neutral","sentiment_score":0.10944832116365431}],"sentiment":"neutral","sentiment_score":0.30241379886865616,"num_words":7,"start":1342.04,"end":1355.345},{"sentences":[{"text":"Yeah.","start":1355.345,"end":1355.505,"sentiment":"neutral","sentiment_score":0.09466222673654556},{"text":"No.","start":1355.505,"end":1355.6649,"sentiment":"neutral","sentiment_score":0.11146489530801772},{"text":"That sounds good.","start":1355.6649,"end":1356.465,"sentiment":"neutral","sentiment_score":0.2823425829410553},{"text":"Sounds like a plan.","start":1356.465,"end":1357.5249,"sentiment":"neutral","sentiment_score":0.2873842418193817},{"text":"No.","start":1365.83,"end":1366.23,"sentiment":"neutral","sentiment_score":-0.1145872175693512}],"sentiment":"neutral","sentiment_score":0.2088104620575905,"num_words":10,"start":1355.345,"end":1366.23},{"sentences":[{"text":"They'll probably be the same amount.","start":1366.23,"end":1367.19,"sentiment":"neutral","sentiment_score":-0.06617024354636669},{"text":"The 500 and whatever it is, it'll be pretty much the same the whole time.","start":1367.19,"end":1370.63,"sentiment":"neutral","sentiment_score":-0.0047531704107920325},{"text":"I think I just gave myself a pay rise.","start":1370.63,"end":1372.7899,"sentiment":"neutral","sentiment_score":-0.031183060580385953},{"text":"I just got a pay rise of, like, $5 a week, so I don't think that's really gonna make any difference to the super contribution.","start":1372.7899,"end":1379.6549,"sentiment":"neutral","sentiment_score":0.09272100143134594},{"text":"Yep.","start":1386.2749,"end":1386.7749,"sentiment":"neutral","sentiment_score":0.2910064458847046}],"sentiment":"neutral","sentiment_score":0.03321544498222855,"num_words":56,"start":1366.23,"end":1386.7749},{"sentences":[{"text":"Yep.","start":1395.65,"end":1396.15,"sentiment":"neutral","sentiment_score":0.13720741868019104},{"text":"Just yeah.","start":1409.3251,"end":1410.8451,"sentiment":"neutral","sentiment_score":0.05912785790860653},{"text":"Just to I just had a holiday, but just to kind of keep busy and just keep, yeah, keep things stable.","start":1410.8451,"end":1416.685,"sentiment":"neutral","sentiment_score":0.057372242567085084},{"text":"We've gone through about six secretaries at the moment.","start":1416.685,"end":1419.0,"sentiment":"neutral","sentiment_score":-0.011697854432794783},{"text":"Like, we've had new people take over like a company, and so I've just been running the figures because I'm a contractor that between that and being an employee kind of thing.","start":1419.0,"end":1427.96,"sentiment":"neutral","sentiment_score":-0.018410013319225982}],"sentiment":"neutral","sentiment_score":0.011782755573781637,"num_words":65,"start":1395.65,"end":1427.96},{"sentences":[{"text":"But I need to tell them what figure I would need so that I can not just my salary, but my salary and pay my bills, like my car and my all of that.","start":1427.96,"end":1436.535,"sentiment":"neutral","sentiment_score":-0.04431196800707018},{"text":"So because when there's no secretary, it makes it hard for me to stay busy as a physio because there's no one on reception answering the phone and booking people in because the secretary decides that she's not coming in, and then we don't have a secretary.","start":1436.595,"end":1448.52,"sentiment":"neutral","sentiment_score":-0.29272144937768896},{"text":"And then one of the other people have to work, and they've got to call people in and, like like, it's happened six times in the last few months.","start":1448.52,"end":1455.18,"sentiment":"neutral","sentiment_score":-0.19175632811825852},{"text":"Yeah.","start":1455.48,"end":1455.98,"sentiment":"neutral","sentiment_score":-0.0898982584476471},{"text":"So, like, really badly.","start":1456.04,"end":1457.66,"sentiment":"neutral","sentiment_score":-0.14780818298459053}],"sentiment":"neutral","sentiment_score":-0.18701373512006325,"num_words":115,"start":1427.96,"end":1457.66},{"sentences":[{"text":"But yeah.","start":1457.72,"end":1458.795,"sentiment":"neutral","sentiment_score":-0.1575397253036499},{"text":"So to the point where I mean, I'm not rocking the boat because down the track so they potentially is transition while it's been on the phone to my account.","start":1460.3151,"end":1467.675,"sentiment":"neutral","sentiment_score":-0.18765647833546004},{"text":"They're kinda kinda going, you know, what figure?","start":1467.675,"end":1470.3351,"sentiment":"neutral","sentiment_score":-0.15837855823338032},{"text":"Like, this is what I need to take in, plus I have to be able to pay the car, plus the petrol, plus the phone, plus all the other things that the company is paying to eventually if because if I start losing money, then I'm gonna have to say to them, this is what I need.","start":1470.395,"end":1483.25,"sentiment":"neutral","sentiment_score":-0.1795948670621504},{"text":"You know, I do have a thirty year patient base.","start":1483.5499,"end":1485.47,"sentiment":"neutral","sentiment_score":-0.011462391912937164}],"sentiment":"neutral","sentiment_score":-0.164143304749627,"num_words":107,"start":1457.72,"end":1485.47},{"sentences":[{"text":"I do have Pilates clients.","start":1485.47,"end":1486.9099,"sentiment":"neutral","sentiment_score":0.27038778364658356},{"text":"So in I'm maybe I might need to become an employee and then have them pay me that and guarantee me that, in which case if they don't keep me busy from them because of the destabilization of the front desk.","start":1486.9099,"end":1498.635,"sentiment":"neutral","sentiment_score":-0.01130414118127125},{"text":"So, yeah, it's a bit going, but I can't really make any other moves or change things.","start":1498.635,"end":1502.55,"sentiment":"negative","sentiment_score":-0.3377969054614796},{"text":"So either I'm gonna keep things as, like, or things go backwards.","start":1502.55,"end":1505.75,"sentiment":"neutral","sentiment_score":-0.2714623523255189},{"text":"I'm gonna have to say to them, look, you know, I really need stability and you guys aren't giving me that.","start":1505.75,"end":1510.39,"sentiment":"neutral","sentiment_score":-0.21660901996351423}],"sentiment":"neutral","sentiment_score":-0.13187933239775398,"num_words":96,"start":1485.47,"end":1510.39},{"sentences":[{"text":"So I need to basically become an employee in a this much amount of money.","start":1510.39,"end":1513.79,"sentiment":"neutral","sentiment_score":0.05733695328235626},{"text":"I think we worked out to be a $178, and I could take it to cover everything.","start":1513.79,"end":1517.715,"sentiment":"neutral","sentiment_score":0.08237315341830254},{"text":"Because I thought that's if I get another job, like, before before tax and before super and all that.","start":1518.175,"end":1523.475,"sentiment":"neutral","sentiment_score":-0.08398880593870815},{"text":"I mean, like, that's, sorry, growth is what that have to do in that pay me.","start":1524.895,"end":1530.63,"sentiment":"neutral","sentiment_score":-0.08492896682582796},{"text":"But, I mean, my company probably gives them that much anyway.","start":1530.63,"end":1533.69,"sentiment":"neutral","sentiment_score":0.009349287233569405}],"sentiment":"neutral","sentiment_score":-0.007582188655550663,"num_words":78,"start":1510.39,"end":1533.69},{"sentences":[{"text":"But if they get a percentage, like, they get 40%, I get 60% of of taking.","start":1534.87,"end":1539.03,"sentiment":"neutral","sentiment_score":0.05305276531726122},{"text":"But the problem is if I'm not taking that much money because they're not keeping me busy because there's no one answering the phone, then I'm gonna need them to kinda guarantee my income as an employee so that I can keep paying the bills.","start":1539.03,"end":1552.0149,"sentiment":"negative","sentiment_score":-0.39441703591081834},{"text":"But it's gonna be a high thing, so they've gotta convince them to pay that.","start":1552.0149,"end":1560.32,"sentiment":"neutral","sentiment_score":-0.1993812007208665},{"text":"Yeah.","start":1560.32,"end":1560.82,"sentiment":"neutral","sentiment_score":0.04246244952082634},{"text":"Yeah.","start":1564.32,"end":1564.82,"sentiment":"neutral","sentiment_score":0.013073453679680824}],"sentiment":"neutral","sentiment_score":-0.25429621126311713,"num_words":78,"start":1534.87,"end":1564.82},{"sentences":[{"text":"Yeah.","start":1567.0399,"end":1567.36,"sentiment":"neutral","sentiment_score":-0.03931523859500885},{"text":"Yeah.","start":1567.36,"end":1567.76,"sentiment":"neutral","sentiment_score":-0.1272551715373993},{"text":"Because, I mean, like, if I get another job somewhere else, they're not gonna pay me that.","start":1567.76,"end":1571.655,"sentiment":"negative","sentiment_score":-0.491897817920236},{"text":"And I'm not gonna be able to take my Pilates people and stuff like that.","start":1571.715,"end":1574.915,"sentiment":"negative","sentiment_score":-0.4977993587652842},{"text":"Or I open my if I open a business myself, it's very unstable.","start":1574.915,"end":1578.215,"sentiment":"negative","sentiment_score":-0.5059848324610636}],"sentiment":"negative","sentiment_score":-0.48028992592020237,"num_words":47,"start":1567.0399,"end":1578.215},{"sentences":[{"text":"So I'm better off to work with them and kind of go, well, I have a thirty year patient base and have Pilates clients who come in and, you know but I also need to survive and you guys aren't giving me enough stability at the front desk to keep me busy.","start":1578.275,"end":1590.5801,"sentiment":"neutral","sentiment_score":-0.047270613529970154},{"text":"I mean, I am at the moment, but if this keeps happening, you know, it's it's hard to get new patients in, and every time there's a new secretary, you gotta train them and stuff.","start":1590.5801,"end":1601.0751,"sentiment":"neutral","sentiment_score":-0.21854007520845958},{"text":"So yeah.","start":1601.0751,"end":1601.8151,"sentiment":"neutral","sentiment_score":0.014437280595302582},{"text":"Yep.","start":1602.675,"end":1603.155,"sentiment":"neutral","sentiment_score":0.1080823689699173},{"text":"It's been at least six yeah.","start":1603.155,"end":1609.9199,"sentiment":"neutral","sentiment_score":0.07047807921965916}],"sentiment":"neutral","sentiment_score":-0.09944947010808391,"num_words":96,"start":1578.275,"end":1609.9199},{"sentences":[{"text":"So that is where if I was an employee, then that figure would include, you know, out of that money, then that would include, like, for them because I'd be paying the holiday pay, loading, super, all of that.","start":1609.9199,"end":1622.125,"sentiment":"neutral","sentiment_score":0.03885409852059988},{"text":"So I'd still end up with the same amount of money in my hand because those that figure is then covering all the other stuff that the company would normally pay.","start":1622.125,"end":1631.345,"sentiment":"neutral","sentiment_score":0.05329783657385457},{"text":"But they're they're paying the company about that anyway.","start":1632.125,"end":1636.73,"sentiment":"neutral","sentiment_score":-0.11992833183871375},{"text":"We're it's like 7,000 6,800 or something a fortnight.","start":1636.73,"end":1640.91,"sentiment":"neutral","sentiment_score":-0.06745249778032303},{"text":"And I think it's 6 let me set.","start":1642.8099,"end":1645.39,"sentiment":"neutral","sentiment_score":-0.025974174961447716}],"sentiment":"neutral","sentiment_score":0.01326376989406223,"num_words":96,"start":1609.9199,"end":1645.39},{"sentences":[{"text":"I have to work it.","start":1649.405,"end":1650.4451,"sentiment":"neutral","sentiment_score":-0.05274329781532287},{"text":"No.","start":1650.4451,"end":1650.685,"sentiment":"neutral","sentiment_score":-0.1932554543018341},{"text":"I've gotta work it out.","start":1650.685,"end":1651.745,"sentiment":"neutral","sentiment_score":-0.1708747535943985},{"text":"But, yeah, they're paying at the moment, I can tell myself 3,003 thousand 200 a fortnight, but they're paying me, at the moment, about 6,500 a fortnight.","start":1652.045,"end":1665.24,"sentiment":"neutral","sentiment_score":-0.17507387614912456},{"text":"So I might have to take in about $6.08, but they're paying 6,500.","start":1665.94,"end":1669.96,"sentiment":"neutral","sentiment_score":-0.10256547882006718}],"sentiment":"neutral","sentiment_score":-0.14454297239289565,"num_words":51,"start":1649.405,"end":1669.96},{"sentences":[{"text":"But I'm also paying them GST on their services, their admin services, which then I claim back.","start":1670.1799,"end":1676.985,"sentiment":"neutral","sentiment_score":-0.12189061282312169},{"text":"So, really, they're probably paying me paying the company about 6 about $6.08, and that's about what I need them to pay me a fortnight.","start":1676.985,"end":1683.245,"sentiment":"neutral","sentiment_score":-0.3103195983171463},{"text":"So I've gotta basically put it to them down the track if I decide to go down that path that it's gonna be about the same as in what they're paying as long as I stay reasonably busy, which is kind of their job a little bit.","start":1683.305,"end":1697.74,"sentiment":"neutral","sentiment_score":-0.06703828505062043},{"text":"So yeah.","start":1698.68,"end":1700.62,"sentiment":"neutral","sentiment_score":0.2031036913394928},{"text":"Yeah.","start":1703.365,"end":1703.865,"sentiment":"neutral","sentiment_score":0.16805490851402283}],"sentiment":"neutral","sentiment_score":-0.13485508132725954,"num_words":92,"start":1670.1799,"end":1703.865},{"sentences":[{"text":"Yeah.","start":1704.005,"end":1704.505,"sentiment":"neutral","sentiment_score":0.1441677212715149},{"text":"So it's slightly cash flow positive now, but then I've I've taken a couple of bonuses and stuff like that, and then I kinda took those without paying super because I just wanted to take the bonus and not have to pay double the amount.","start":1704.7251,"end":1725.11,"sentiment":"neutral","sentiment_score":0.2944827096329795},{"text":"So my payroll lady just worked out just because before I went on a holiday and stuff, so she worked it out that I paid.","start":1725.11,"end":1732.145,"sentiment":"neutral","sentiment_score":0.14885423094034195},{"text":"Well, because at one stage, it was really quiet because we were up before this company took over, we were over serviced by thirty three hours.","start":1732.525,"end":1739.5651,"sentiment":"neutral","sentiment_score":-0.13264933335953033},{"text":"And so the problem was that I was, you know, they put a new person on and get them all the new patients, and I'm getting none to the point where I had to lend the company $20,000.","start":1739.5651,"end":1750.5599,"sentiment":"negative","sentiment_score":-0.3436419457981461}],"sentiment":"neutral","sentiment_score":0.004518287559902226,"num_words":135,"start":1704.005,"end":1750.5599},{"sentences":[{"text":"So then and that's a director's loan, and then the company made more money, and I and then paid me back.","start":1750.94,"end":1757.585,"sentiment":"neutral","sentiment_score":-0.15721527628955387},{"text":"But now, like, it's going okay.","start":1758.125,"end":1759.885,"sentiment":"neutral","sentiment_score":0.152703408151865},{"text":"It's it's slightly positive.","start":1759.885,"end":1761.345,"sentiment":"neutral","sentiment_score":0.2063162475824356},{"text":"But, again, if then I start to go quiet again, then it could be a problem.","start":1761.405,"end":1765.665,"sentiment":"negative","sentiment_score":-0.3514340538531542},{"text":"So I've kind of had to train every new secretary and say, listen, I'm a contract to their employees.","start":1766.205,"end":1771.745,"sentiment":"neutral","sentiment_score":-0.21313096975025378}],"sentiment":"neutral","sentiment_score":-0.17018891893553012,"num_words":66,"start":1750.94,"end":1771.745},{"sentences":[{"text":"You can't just fill up the new employee and give me nothing or else I can't fill up.","start":1771.885,"end":1776.66,"sentiment":"neutral","sentiment_score":-0.32720771100785995},{"text":"They still get paid.","start":1776.66,"end":1777.7999,"sentiment":"neutral","sentiment_score":-0.11670082248747349},{"text":"Yeah.","start":1785.22,"end":1785.7,"sentiment":"neutral","sentiment_score":-0.04468712955713272},{"text":"Yeah.","start":1785.7,"end":1786.02,"sentiment":"neutral","sentiment_score":-0.06904802471399307},{"text":"Like, six times.","start":1786.02,"end":1787.135,"sentiment":"neutral","sentiment_score":-0.0733468309044838}],"sentiment":"neutral","sentiment_score":-0.24778954574355372,"num_words":27,"start":1771.885,"end":1787.135},{"sentences":[{"text":"Yeah.","start":1787.755,"end":1788.255,"sentiment":"neutral","sentiment_score":0.011366141960024834},{"text":"So it's yeah.","start":1788.395,"end":1789.115,"sentiment":"neutral","sentiment_score":0.01781259725491206},{"text":"I'm just trying hopefully, we can get a bit of stability there.","start":1789.115,"end":1792.875,"sentiment":"neutral","sentiment_score":0.07278799296667178},{"text":"So yeah.","start":1792.875,"end":1793.915,"sentiment":"neutral","sentiment_score":-0.0168272340670228},{"text":"So, anyway, I was talking draw the figures with my accountant because down the track, I'll have to you know, it's still easier to manipulate the people that I've got and actually say to them, look, in the long run, what you'll pay my company is about, you know, 6,500 on average a fortnight.","start":1793.915,"end":1808.91,"sentiment":"neutral","sentiment_score":-0.13240116917424732}],"sentiment":"neutral","sentiment_score":-0.08673691325303581,"num_words":72,"start":1787.755,"end":1808.91},{"sentences":[{"text":"And what I'll need is about 6,800, but you're paying $6.05 plus the GST.","start":1809.2101,"end":1814.635,"sentiment":"neutral","sentiment_score":0.029951426067522595},{"text":"Right?","start":1814.695,"end":1814.9349,"sentiment":"neutral","sentiment_score":0.03906838968396187},{"text":"Because it because you're paying $6.05, and then and then I'm also giving you the GST.","start":1814.9349,"end":1819.755,"sentiment":"neutral","sentiment_score":0.04910391685552895},{"text":"So you're basically paying about $7.01 if I didn't permit the GST.","start":1819.815,"end":1823.755,"sentiment":"neutral","sentiment_score":0.04610319947823882},{"text":"So if you just pay me that directly or, you know, work that out to be the gross and then, you know, minus super and POID and all that, then your net effect will be about the same, but I get stability.","start":1824.375,"end":1836.62,"sentiment":"neutral","sentiment_score":0.15215577699598812}],"sentiment":"neutral","sentiment_score":0.09632743590456598,"num_words":85,"start":1809.2101,"end":1836.62},{"sentences":[{"text":"That's how I'm gonna put it to them anyway.","start":1837.3999,"end":1839.1799,"sentiment":"neutral","sentiment_score":0.18143913646539053},{"text":"And then they can have a look at my figures and see what they think if, you know, that's my plan then.","start":1840.2749,"end":1844.5349,"sentiment":"neutral","sentiment_score":0.1451996656304056},{"text":"Well, my plan my I I don't wanna have to do it.","start":1847.315,"end":1849.715,"sentiment":"neutral","sentiment_score":-0.29469359790285427},{"text":"Like, I just hope I stay busy and don't have to do it.","start":1849.715,"end":1851.875,"sentiment":"neutral","sentiment_score":-0.21512852150660294},{"text":"But the point is if push comes to shove and things start going backwards and then my bank account starts going backwards, then I'll have to do that.","start":1851.875,"end":1859.83,"sentiment":"neutral","sentiment_score":-0.32914152634995325}],"sentiment":"neutral","sentiment_score":-0.1276382359543017,"num_words":84,"start":1837.3999,"end":1859.83},{"sentences":[{"text":"But then my accountant said and then my accountant said with my car and all that, because we talked about it and we could roll it over and then I'd have to, like, sell it.","start":1860.13,"end":1868.755,"sentiment":"neutral","sentiment_score":-0.15718088543840816},{"text":"And then I'd have to, you know, pay, like, stamp duty and claims it back and all that.","start":1868.755,"end":1874.515,"sentiment":"neutral","sentiment_score":-0.1862930692732334},{"text":"So then the bookkeeping accounts are better just to leave the car in the company name, and then me pay the company.","start":1874.515,"end":1880.77,"sentiment":"neutral","sentiment_score":-0.0994840914552862},{"text":"So I still got my online video and stuff.","start":1880.77,"end":1882.4501,"sentiment":"neutral","sentiment_score":0.03358548879623413},{"text":"So me pay the company.","start":1882.4501,"end":1883.67,"sentiment":"neutral","sentiment_score":-0.02063092365860939}],"sentiment":"neutral","sentiment_score":-0.12184428616186206,"num_words":89,"start":1860.13,"end":1883.67},{"sentences":[{"text":"Like like, it's a thousand dollars a month for the car, so me just transfer $500 a pay from me to the car, which is a directed loan to the company, then the company is still actually trading.","start":1884.4501,"end":1893.91,"sentiment":"neutral","sentiment_score":-0.11817957637341399},{"text":"So, therefore, we can't actually get the company to pay you back any money.","start":1894.225,"end":1899.445,"sentiment":"neutral","sentiment_score":-0.3016765298587935},{"text":"But he said it's also gonna be difficult at that time if you start doing that to get any money out of the company because the company is not really trading and making anything.","start":1899.985,"end":1906.725,"sentiment":"negative","sentiment_score":-0.49123159664518695},{"text":"So so I said, so basically, if I make this transition, I'll have to pull all the money out of the company in bonuses before I do it.","start":1907.3301,"end":1914.05,"sentiment":"neutral","sentiment_score":0.002493420133500227},{"text":"And he goes, yeah.","start":1914.05,"end":1915.03,"sentiment":"neutral","sentiment_score":0.22498752921819687}],"sentiment":"neutral","sentiment_score":-0.20717291292829154,"num_words":118,"start":1884.4501,"end":1915.03},{"sentences":[{"text":"It's easy to take dividends out of the company 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why did you say I would get in the hand?","start":1976.58,"end":1985.6649,"sentiment":"neutral","sentiment_score":-0.019189193611964583},{"text":"Because I think ultimately it's gonna work out.","start":1991.4049,"end":1993.085,"sentiment":"neutral","sentiment_score":0.10977457650005817},{"text":"By the time we do super and take super out and p a y g, I I don't think it's gonna be that that different, you know, because I said I'm getting 3,200 a fortnight, and that's we worked it back from that's what I want in the hand kind of thing.","start":1993.085,"end":2016.035,"sentiment":"neutral","sentiment_score":-0.004488339361089926},{"text":"But it will end up, yeah, being a 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too.","start":2044.8351,"end":2046.2151,"sentiment":"neutral","sentiment_score":0.19863774627447128},{"text":"Yep.","start":2046.8351,"end":2047.3351,"sentiment":"neutral","sentiment_score":0.09937574714422226},{"text":"I'm gonna just keep that because I don't want the premiums to go up anymore.","start":2053.05,"end":2056.03,"sentiment":"neutral","sentiment_score":-0.10220512337982654},{"text":"So, look, if I'm dead, then I'm I don't have any kids or whatever.","start":2056.09,"end":2060.25,"sentiment":"neutral","sentiment_score":-0.28732263509716305},{"text":"So, you know, if I'm dead, then I don't really think it matters.","start":2060.25,"end":2065.07,"sentiment":"neutral","sentiment_score":-0.2735656786423463}],"sentiment":"neutral","sentiment_score":-0.17485150706736333,"num_words":47,"start":2044.8351,"end":2065.07},{"sentences":[{"text":"The life insurance.","start":2065.37,"end":2066.35,"sentiment":"neutral","sentiment_score":-0.1741864730914434},{"text":"I don't know.","start":2067.9849,"end":2068.305,"sentiment":"neutral","sentiment_score":-0.16929811735947928},{"text":"My parents are my beneficiaries or my cousins.","start":2068.305,"end":2070.545,"sentiment":"neutral","sentiment_score":-0.024941361509263515},{"text":"So, you know, I'm really gonna be more than enough for them.","start":2070.545,"end":2074.005,"sentiment":"neutral","sentiment_score":0.11130652918169896},{"text":"Well, the house, I owe 430.","start":2079.9202,"end":2082.4802,"sentiment":"neutral","sentiment_score":0.16406246026357016}],"sentiment":"neutral","sentiment_score":0.034064639010466635,"num_words":32,"start":2065.37,"end":2082.4802},{"sentences":[{"text":"So, you know, that'll cover that.","start":2082.4802,"end":2084.4001,"sentiment":"neutral","sentiment_score":0.17425951610008875},{"text":"So I then own the house, I guess.","start":2084.4001,"end":2086.4001,"sentiment":"neutral","sentiment_score":0.16346577554941177},{"text":"So yeah.","start":2086.4001,"end":2088.02,"sentiment":"neutral","sentiment_score":0.15615105628967285},{"text":"So I think that'll be alright.","start":2088.4001,"end":2089.4402,"sentiment":"neutral","sentiment_score":0.115503275146087},{"text":"With this call.","start":2089.52,"end":2090.6602,"sentiment":"neutral","sentiment_score":0.16280054052670798}],"sentiment":"neutral","sentiment_score":0.15388026744127273,"num_words":25,"start":2082.4802,"end":2090.6602},{"sentences":[{"text":"Yeah.","start":2101.655,"end":2102.055,"sentiment":"neutral","sentiment_score":0.06527367234230042},{"text":"Yeah.","start":2102.055,"end":2102.535,"sentiment":"neutral","sentiment_score":0.06552001088857651},{"text":"Well, I'm an only child too.","start":2102.535,"end":2103.975,"sentiment":"neutral","sentiment_score":0.009583252171675364},{"text":"So when my parents die, like, their house is worth a couple of million, so I get all of that 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maybe.","start":2159.815,"end":2164.075,"sentiment":"neutral","sentiment_score":-0.022799061611294746},{"text":"Yeah.","start":2175.9302,"end":2176.4302,"sentiment":"neutral","sentiment_score":0.1002250462770462},{"text":"Yeah.","start":2189.745,"end":2190.245,"sentiment":"neutral","sentiment_score":0.04914933070540428}],"sentiment":"neutral","sentiment_score":-0.07676630961493804,"num_words":52,"start":2148.9802,"end":2190.245},{"sentences":[{"text":"Yep.","start":2196.39,"end":2196.89,"sentiment":"neutral","sentiment_score":0.10531632602214812},{"text":"Yep.","start":2197.0298,"end":2197.51,"sentiment":"neutral","sentiment_score":0.09389414638280869},{"text":"Yep.","start":2197.51,"end":2198.01,"sentiment":"neutral","sentiment_score":0.10149558633565904},{"text":"Yeah.","start":2198.3098,"end":2198.63,"sentiment":"neutral","sentiment_score":0.0904877781867981},{"text":"That maybe forty five days or something like that if I was if I was on the higher salary because that 45, yeah, with the higher salary.","start":2198.63,"end":2210.0898,"sentiment":"neutral","sentiment_score":0.01932102966087836}],"sentiment":"neutral","sentiment_score":0.02944714960552031,"num_words":31,"start":2196.39,"end":2210.0898},{"sentences":[{"text":"I mean, if I was on the highest salary, like I said, I'd probably get I don't know how much sick pay they'd give me, like, maybe five days or a week or something.","start":2211.065,"end":2217.865,"sentiment":"neutral","sentiment_score":-0.038108343039365375},{"text":"Or I guess you accrue sick leave.","start":2217.865,"end":2219.4648,"sentiment":"neutral","sentiment_score":-0.07184054596083504},{"text":"So so, yeah, that'd probably give me an extra few days to week or something.","start":2219.4648,"end":2225.1648,"sentiment":"neutral","sentiment_score":0.017857006937265395},{"text":"Sorry.","start":2225.8599,"end":2226.3599,"sentiment":"neutral","sentiment_score":-0.06106013059616089},{"text":"Yeah.","start":2238.795,"end":2239.295,"sentiment":"neutral","sentiment_score":0.033551786094903946}],"sentiment":"neutral","sentiment_score":-0.026865874577699036,"num_words":58,"start":2211.065,"end":2239.295},{"sentences":[{"text":"Yeah.","start":2240.795,"end":2241.035,"sentiment":"neutral","sentiment_score":0.01813649944961071},{"text":"Because you better remind yeah.","start":2241.035,"end":2242.155,"sentiment":"neutral","sentiment_score":-0.014986020512878895},{"text":"Because you better remind me about that because if it happens, it'll it'll mean it'll be pretty full on, like, just having to work out the car, change everything.","start":2242.155,"end":2249.435,"sentiment":"neutral","sentiment_score":-0.0045358251282495675},{"text":"So I'll probably forget to ring you about that if it happens because I'll be not very happy, obviously.","start":2249.435,"end":2256.11,"sentiment":"neutral","sentiment_score":-0.15445021394407377},{"text":"Yep.","start":2266.7751,"end":2267.2751,"sentiment":"neutral","sentiment_score":0.13585065305233002}],"sentiment":"neutral","sentiment_score":-0.05430974443125623,"num_words":55,"start":2240.795,"end":2267.2751},{"sentences":[{"text":"Yep.","start":2271.975,"end":2272.475,"sentiment":"neutral","sentiment_score":0.06327296048402786},{"text":"No.","start":2278.97,"end":2279.3699,"sentiment":"neutral","sentiment_score":-0.053693804889917374},{"text":"It's probably the main one.","start":2279.3699,"end":2280.5698,"sentiment":"neutral","sentiment_score":-0.06916528567671776},{"text":"Just trying to control what's going on here.","start":2280.5698,"end":2283.47,"sentiment":"neutral","sentiment_score":-0.03684275830164552},{"text":"Which one is that?","start":2294.4648,"end":2295.025,"sentiment":"neutral","sentiment_score":0.028775883838534355}],"sentiment":"neutral","sentiment_score":-0.02715188441307921,"num_words":19,"start":2271.975,"end":2295.025},{"sentences":[{"text":"Sorry.","start":2295.025,"end":2295.525,"sentiment":"neutral","sentiment_score":-0.01849239692091942},{"text":"Yep.","start":2297.665,"end":2298.165,"sentiment":"neutral","sentiment_score":0.05458848178386688},{"text":"Uh-huh.","start":2300.7048,"end":2301.2048,"sentiment":"neutral","sentiment_score":0.04809599742293358},{"text":"Mhmm.","start":2327.175,"end":2327.675,"sentiment":"neutral","sentiment_score":0.05289840325713158},{"text":"Mhmm.","start":2332.695,"end":2332.945,"sentiment":"neutral","sentiment_score":0.04664407670497894}],"sentiment":"neutral","sentiment_score":0.03674691244959831,"num_words":5,"start":2295.025,"end":2332.945},{"sentences":[{"text":"Mhmm.","start":2332.945,"end":2333.445,"sentiment":"neutral","sentiment_score":0.03576851636171341},{"text":"Yep.","start":2334.9702,"end":2335.4502,"sentiment":"neutral","sentiment_score":0.08196143060922623},{"text":"Yep.","start":2335.4502,"end":2335.6902,"sentiment":"neutral","sentiment_score":0.11752357333898544},{"text":"That's fine.","start":2335.6902,"end":2336.51,"sentiment":"neutral","sentiment_score":0.29781101644039154},{"text":"Mhmm.","start":2347.925,"end":2348.405,"sentiment":"neutral","sentiment_score":0.19180960953235623}],"sentiment":"neutral","sentiment_score":0.17044752712051073,"num_words":6,"start":2332.945,"end":2348.405},{"sentences":[{"text":"Sounds good.","start":2348.405,"end":2349.785,"sentiment":"positive","sentiment_score":0.513105571269989},{"text":"No.","start":2359.045,"end":2359.545,"sentiment":"neutral","sentiment_score":-0.14946773648262024},{"text":"Alright.","start":2372.23,"end":2372.55,"sentiment":"neutral","sentiment_score":0.11801012605428696},{"text":"So, yeah, I can escape it as it is, and that I don't have to.","start":2372.55,"end":2375.03,"sentiment":"neutral","sentiment_score":0.14427679230769475},{"text":"But fingers crossed.","start":2375.03,"end":2378.855,"sentiment":"neutral","sentiment_score":0.03622577587763468}],"sentiment":"neutral","sentiment_score":0.14852648837999863,"num_words":22,"start":2348.405,"end":2378.855},{"sentences":[{"text":"Haven't been looking great the last few weeks the last few months.","start":2381.635,"end":2384.7551,"sentiment":"neutral","sentiment_score":0.22618531249463558},{"text":"But yeah.","start":2384.7551,"end":2385.745,"sentiment":"neutral","sentiment_score":0.21871425211429596},{"text":"Yeah.","start":2403.155,"end":2403.555,"sentiment":"positive","sentiment_score":0.4642390012741089},{"text":"Wonderful.","start":2403.555,"end":2404.035,"sentiment":"positive","sentiment_score":0.8135626316070557},{"text":"Thank you very much.","start":2404.035,"end":2404.755,"sentiment":"positive","sentiment_score":0.8247046321630478}],"sentiment":"positive","sentiment_score":0.38641362078487873,"num_words":20,"start":2381.635,"end":2404.755},{"sentences":[{"text":"Really appreciate it.","start":2404.755,"end":2405.895,"sentiment":"positive","sentiment_score":0.7967137098312378},{"text":"Thank you.","start":2409.235,"end":2410.035,"sentiment":"positive","sentiment_score":0.5981313288211823},{"text":"Bye.","start":2410.035,"end":2410.535,"sentiment":"neutral","sentiment_score":0.32799744606018066}],"sentiment":"positive","sentiment_score":0.6524002055327097,"num_words":6,"start":2404.755,"end":2410.535}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Sally speaking.\n\nChannel 0: Good afternoon, Sally. It's Tommy here. How are you doing?\n\nChannel 1: Good. Thanks. How are you? Sorry. I just had a a call, and it was, like, an 02 number.\n\nI'm like, I don't think you'd be calling from there, and it was, like, Google Maps or something. So I was just like\n\nChannel 0: Oh,\n\nChannel 1: and I'm like because it was, like, at the time, I'm like,\n\nChannel 0: no.\n\nChannel 1: I better take it because otherwise you'll call me and it won't be and, you know, it it might be you. So yeah.\n\nChannel 0: I'm getting mixed in with spam at 02:15. That's horrible.\n\nChannel 1: Oh, well, it's alright. I just hung up on them.\n\nChannel 0: Oh, good stuff. I appreciate you prioritizing me over the old Google Maps scam artist. I appreciate it.\n\nChannel 1: Exactly. Yeah. How's your day been?\n\nChannel 0: Oh, look. It's been fantastic. It's bright, Sunny. Everything's been going great so far, and\n\nChannel 1: Good.\n\nChannel 0: I have a little bit of information for you today.\n\nChannel 1: Mhmm.\n\nChannel 0: What I'll do is I'll just go\n\nChannel 1: Mhmm.\n\nChannel 0: through quick\n\nChannel 1: Mhmm.\n\nChannel 0: usual security check, and that way I can kind of dive into it a bit deeper with you. If I could please confirm your date of birth and address that we'd have on file.\n\nChannel 1: Eighteenth of the second seventy five fourteen Revoltz Drive, Benelma.\n\nChannel 0: Sensational. And I'm registered with adviser 1273105. Sal, are you okay for the call to be recorded?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Perfect. First thing I wanted to ask you though is with the emails that you got from Tal, what were your thoughts when you received those emails?\n\nChannel 1: I I just thought, like, it it sounds to me like they're kinda saying, you can change to this thing and then, like, say you had a mental health issue or something like that, then we'll pay you out in part payments rather than full. Like you know? And I kinda go, well, so say it was a like like, my ex had a a claim, you know, that he actually ended up passing away. So\n\nChannel 0: Mhmm.\n\nChannel 1: from drinking and mental health stuff, but\n\nChannel 0: Right.\n\nChannel 1: which I don't know if he'll be able to claim on his life insurance because I probably say it took his own life or something. So, you know, it made me and he couldn't work in his occupation, but it was any occupation or own occupation. That's why I was asking you, and and now I don't know if he'll be able to claim on his life insurance. So he fought for year for years with them and didn't get a dime kind of thing. So they're kind of saying, well, instead of us fighting because we don't wanna give you a, like, $9,000,000 payout.\n\nLike, in all that time, he had to keep paying off his premiums, like, for the for the while they were deciding, he was still paying all the premiums, but then they didn't give him any money. So it's kinda saying, well, we'd pay you in part payments. But to me, it's like, well, if if I'm owed $9,000,000, I probably want $9,000,000, not Eudice to pay me 2,000,000 and go, you you should be better now. So sounds like they're trying to\n\nChannel 0: Yeah.\n\nChannel 1: cover themselves so they don't have to do a big lump sum payment. But, ultimately, they're not try and say I'm fully better. And after two years, I'm gonna have to go through the whole process, and then I'm gonna say I'm fully better. And after three years, they're gonna try and say I'm fully better kinda thing. And they're only just gonna pay me part payments.\n\nSo I just think they're trying to cover their own back, but I can't see any benefit to me at all other than I might get a part payment. But, also, once you take that up, you can't go back. It's like once you decrease your credit card limit, you can't increase it again without a full loan thing. So they're saying once you take it up, then you can't go back to your other one. Like, you can't just get rid of it.\n\nSo it doesn't seem very appealing to me in any way, shape, or form, to be honest. It just seems like they're\n\nChannel 0: You've\n\nChannel 1: trying to\n\nChannel 0: yeah.\n\nChannel 1: save money, and I can't see how I benefit from it at all. Except maybe\n\nChannel 0: You've\n\nChannel 1: maybe my premiums might go down, but then they might go up again the next year.\n\nChannel 0: That's it. So you you've hit the nail on the head exactly. The whole point behind the product is that they've noticed that mental health, chronic fatigue, neurological disorders can be ongoing for a large period of time. So they're basically offering premium discounts to chop it up into five yearly payments, and you've got to get, like, assessed every year to keep getting the 20%.\n\nChannel 1: But the whole thing is before it becomes TPD anyway, you've gotta have been on income protection for, like, five years anyway, don't you, before you can even get a TPD claim.\n\nChannel 0: It depends. So most of the time, it's down to the doctors and at what threshold would they declare you as unlikely to ever return to work.\n\nChannel 1: Well,\n\nChannel 0: It used\n\nChannel 1: his doctor\n\nChannel 0: to be\n\nChannel 1: said\n\nChannel 0: unable\n\nChannel 1: and Katja said\n\nChannel 0: to,\n\nChannel 1: he's\n\nChannel 0: which\n\nChannel 1: not\n\nChannel 0: is\n\nChannel 1: likely, but because alcohol was involved as well\n\nChannel 0: yeah.\n\nChannel 1: Yeah. With the mental health, which, you know, in a lot of case, there probably is some alcohol or addiction or something involved too. So I was just like, no. They gave him nothing.\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: And\n\nChannel 1: then\n\nChannel 0: it used to be sorry?\n\nChannel 1: oh, sorry. No. What were you saying?\n\nChannel 0: It used to be a much stricter definition where the insurers would get out of it because the doctor would have to say that you're unable to ever, and no doctor's gonna sign off saying, well, I can't say that, you know, unable to ever return to work. It's unlikely, but not unable, and that would be the one key word.\n\nChannel 1: Yeah.\n\nChannel 0: And some policies had unable, some had unlikely, and now it's\n\nChannel 1: Yeah.\n\nChannel 0: all been brought into line where everyone goes off the unlikely, which\n\nChannel 1: Yeah.\n\nChannel 0: is as far as doctors are pretty much allowed\n\nChannel 1: Well,\n\nChannel 0: to go. Otherwise, they will get sued if they start saying that.\n\nChannel 1: basically, he was a top real estate agent, and then you can't he'll never would never be able to deal with and after having a problem with alcohol because of the mental health, he'd never ever be able to deal with that sort of stress. But then the their argument is kind of like, well, I guess if you can work at Macca's or, you know, you still could do some work. So you're not you're not totally permanently disabled because he was on any occupation. So they gave him nothing. Well,\n\nChannel 0: Yeah.\n\nChannel 1: at\n\nChannel 0: And\n\nChannel 1: one\n\nChannel 0: I did\n\nChannel 1: point,\n\nChannel 0: see.\n\nChannel 1: after fighting for a couple of years, they they agreed to give him $750. But his premiums were, like, 11 or $12 a month that\n\nChannel 0: Oh,\n\nChannel 1: he was still paying the whole time. And they upped his\n\nChannel 0: no\n\nChannel 1: premiums.\n\nChannel 0: premium phrase.\n\nChannel 1: They upped his premiums. They kept upping his premiums. And then at one stage, they go, okay. We'll pay you $750. It was a 9 million\n\nChannel 0: Yeah.\n\nChannel 1: dollar policy. And and then his lawyer turns around and goes, oh, well, that's admission of of liability. So, yeah, like, we still got a chance of getting the 9,000,000 because they've admitted liability by offering you $9.09 $750. And I'm like, I don't\n\nChannel 0: Ross.\n\nChannel 1: think so. So the claim kept going. And I'm like, he should have just told you, like, no. Because if they've offered you $750, I can't see that they're admitting liability, and they're gonna pay you 9,000,000.\n\nChannel 0: And there's another fun loop hole too. So with this new product that they've got, it carves out the those conditions, the mental health, the the fatigue, the neurological.\n\nChannel 1: You\n\nChannel 0: And,\n\nChannel 1: typed that out and said you can't claim it.\n\nChannel 0: well, it says that if you claim on those, there's your five part payments. But what it does is it makes it cheaper for you to get any occupation and own occupation, but you can't be assessed under those conditions under own occupation if you have it. It carves it off to the side. So it can lower a premium to get own occupation, but then you can't actually use that definition on those conditions, which\n\nChannel 1: That's what I\n\nChannel 0: I\n\nChannel 1: gathered.\n\nChannel 0: find to\n\nChannel 1: It just\n\nChannel 0: be\n\nChannel 1: it just all seemed really dodgy to me, and I'm like, it doesn't sound like I have anything to gain from this at all and that they're just trying to, you\n\nChannel 0: yeah.\n\nChannel 1: know, make you think it sounds like they're giving you lots of stuff and saving you money, but you're actually not. And, yeah, I I can't really see any benefit to me at all other than, you know, they're less likely to pay me as much money as as I would need if it happened. It's just gonna save them money, and I'm gonna be going to if something happened, I'll be going to specialist. Like, every year, he'd be trying to save those better, and you got the stress of seeing their specialist every year.\n\nChannel 0: Yep. And then what that would do to you financially depending on what they say, it's just a recurring headache.\n\nChannel 1: Yeah.\n\nChannel 0: We ended up going to a seminar with Brighter Super and Tal, and it was a group of advisers, about 30 of us in attendance. They presented this new product to the room, and we grilled them on the exact same thing, and they didn't\n\nChannel 1: Yeah.\n\nChannel 0: really have any answers for it. The I guess the the one really good benefit of Tal compared to other insurers is they have the lowest consistent premium increases in the industry. That's their main calling card is you get cheaper cover that stays cheaper longer than the other\n\nChannel 1: Yeah.\n\nChannel 0: providers. Everything\n\nChannel 1: Yeah.\n\nChannel 0: else, they kind of lack a few features here and there compared to other products. So maintaining it's great, but the new product, I'm not really sold on in unless it's very niche circumstances.\n\nChannel 1: And I also wonder whether they could then say that it's almost, like, become a new premium. So then say you get a new condition. Like, say with my ex, he'd had the same premium for twenty years. But when his wife divorced him, he started drinking and got a problem with that. Right?\n\nBut he changed companies and policies a year before. He'd had\n\nChannel 0: Right.\n\nChannel 1: the same thing for, like, fifteen years, and the issue was and he paid premiums, like, was paying $20.25 grand a year between income protection and TPD and life. And so he paid millions and for, like, twenty years, twenty five years. And they basically said, like because it was a he changed policies. It was a new policy, and therefore, they said, well, we think that you had a drinking problem before you started with our policy. So that was\n\nChannel 0: Yeah.\n\nChannel 1: one of the things I tried to get off. And I just wonder, like, even with this, could they claim that this is a new policy or a new kind of thing? Even though you had your previous one, it's kind of a new like, I just wonder if they'll try and use that as well down the track as well.\n\nChannel 0: That's actually exactly how it works as you go through new underwriting, and the medical gets checked again. So I did do some fun quotes where I thought, oh, this will actually lower the the entry for you to get, like, an occupation that we were looking for by a\n\nChannel 1: Yep.\n\nChannel 0: considerable amount, but then you wouldn't be able to claim those conditions under\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: Like,\n\nChannel 0: definition\n\nChannel 1: my thumbs\n\nChannel 0: anyway,\n\nChannel 1: and stuff\n\nChannel 0: which is\n\nChannel 1: like\n\nChannel 0: why\n\nChannel 1: that and\n\nChannel 0: they've\n\nChannel 1: on my PPO. Yep.\n\nChannel 0: yep.\n\nChannel 1: That's what\n\nChannel 0: So you\n\nChannel 1: I was\n\nChannel 0: get\n\nChannel 1: wondering\n\nChannel 0: the exclusion\n\nChannel 1: about.\n\nChannel 0: on the thumbs. And then on top of that, mental health conditions and everything would be carved away from the own occupation definition\n\nChannel 1: Yeah.\n\nChannel 0: as well. So\n\nChannel 1: That's\n\nChannel 0: it's\n\nChannel 1: what\n\nChannel 0: a\n\nChannel 1: I\n\nChannel 0: it's\n\nChannel 1: thought\n\nChannel 0: a double\n\nChannel 1: I'd do.\n\nChannel 0: negative.\n\nChannel 1: I thought they'd kind of call it a new a new policy and do all that, you know. So it's not like we've got a policy, so we'll just roll it over and add this. That's what I thought. They'd do a whole new review, which is what I really don't wanna have.\n\nChannel 0: Yeah. They basically sold it as if you've got someone who's 30 year old, white collar, who generally deals with mental health stress, that they can get this really nice cheap product that can continuously pay them out lump sums every now and then for those areas, which is the the highest risk in white collar is the mental health side of things, and use that savings of premiums to build wealth elsewhere. That's pretty\n\nChannel 1: Yeah.\n\nChannel 0: much the niche. Anyone outside of that, not really suitable.\n\nChannel 1: Yeah. I'm pretty old too old for that, I think, now.\n\nChannel 0: And I did wanna say too that when the insurers have really bad automated emails when it comes to you know, your premium is due, so you I'll ask this even though it's about to come out of super. And I saw on the letter that they said you don't have TPD insurance, and I thought, oh, jeez. The fact that you've got two policies and they sent you this one saying, this is a new TPD support option. Whilst you don't currently have TPD insurance on this policy, we're required to send this notice to you as an advertisement. I just wanna let you know you do have the TPD still.\n\nIt's just on the other policy.\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. Yeah.\n\nOh, that's good. Yeah. Yeah. I got it because then yeah. And then I got it again on on the other policy, and and it set the wording with slightly different.\n\nSo that's initially,\n\nChannel 0: Yeah.\n\nChannel 1: I just look at it and go, oh, what? Yeah. I thought that was weird.\n\nChannel 0: Most of\n\nChannel 1: Are\n\nChannel 0: their\n\nChannel 1: you\n\nChannel 0: letters just panic.\n\nChannel 1: yeah. So basically, just leave it as it is. Don't touch it because otherwise, we've got the whole thumb issue and all that kind of thing as well.\n\nChannel 0: Correct.\n\nChannel 1: Right. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Are you able to do my quick financial review thing so I don't have to book a whole appointment or not or\n\nChannel 0: Let me\n\nChannel 1: Let's\n\nChannel 0: see\n\nChannel 1: see.\n\nChannel 0: because we've got\n\nChannel 1: Because\n\nChannel 0: time\n\nChannel 1: all my\n\nChannel 0: frame.\n\nChannel 1: risk strategy and stuff's gonna be the same. I don't feel that I need to go back through that. But\n\nChannel 0: Yeah. Let me have a look at your account. So if you just bear with me for a moment, I'm gonna\n\nChannel 1: Yep.\n\nChannel 0: just log in to the old super. Two factor authentication, always lovely. I hope we can get away from all this soon. The old email password, thumbprint, two factor, text card. It gets\n\nChannel 1: No.\n\nChannel 0: a\n\nChannel 1: It's\n\nChannel 0: bit\n\nChannel 1: getting\n\nChannel 0: excessive.\n\nChannel 1: worse. Like, I've tried to airdrop things to some of my clients, and, you know, now with airdrop, even you gotta do two factor authentication, they have to get a code on their phone, and I'll have to put it into my iPhone and everything just to airdrop something from iPhone to iPhone now.\n\nChannel 0: Oh, jeez.\n\nChannel 1: Yeah. The last\n\nChannel 0: Here we\n\nChannel 1: three\n\nChannel 0: go.\n\nChannel 1: airdrops I've done, it's made me put a code in from their phone.\n\nChannel 0: Oh, no.\n\nChannel 1: So if I was airdropping and we weren't in the same room, and you weren't very good with your phone, I'd have to kinda, you know, talk you through it.\n\nChannel 0: I think at this point, it's probably coming closer to the stage where everyone's just gonna do things in person at some point because it's just getting too difficult over\n\nChannel 1: Yeah.\n\nChannel 0: digital, and there's\n\nChannel 1: Yep.\n\nChannel 0: so much, you know, spam online. I'm just grabbing up your fax lines just to cook up that couple of details even though I did that recently. Yeah. We've got the the reference date on Hub '24 is around about now.\n\nChannel 1: Mhmm.\n\nChannel 0: So that lines up pretty well. I just won't have the, like, document pack to send through to you until we generate it after the call.\n\nChannel 1: Mhmm. Yep. Yeah. I\n\nChannel 0: Okay.\n\nChannel 1: just think I've got an email saying you're due for your spring review or something.\n\nChannel 0: Yeah. Yep. So Hub twenty four account, look at the current balance. I'm just generating some performance reports as well. So we got $2,134.23.\n\nPretty good progress on your account. Obviously, the market's kind of gone a bit topsy-turvy lately. We went from one ninety five March, the market dropped to $1.88, and now you're back up to $2.13.\n\nChannel 1: Cool.\n\nChannel 0: So it's bounced back pretty well. All the investments have grown very well except for one. I'm just gonna pull this one up. Do you usually log in to the hub at all and and keep an eye on it? Or\n\nChannel 1: No. I get information when when there's trades made and stuff like that.\n\nChannel 0: yep. So the two things that I can see, so all the investment options you've got, you're kind of in that growth profile where it's not high risk. It's the one below that. It's kind of like 80% shares property and gold rather than 90 to a 100. You've\n\nChannel 1: Mhmm.\n\nChannel 0: got most of the shares here, agriculture, cybersecurity, gold all up double digits, $1,119.23. One thing I'll probably have to change on the super is you've got some term deposits. There's a specific type of a term deposit that's being phased out next year, and\n\nChannel 1: Mhmm.\n\nChannel 0: I've got an option I can switch in for that one, which is all good. You've got one option, Bennelong, that's going down a bit, probably a bit quicker than the rest of the market has Australian shares options. I'm gonna have to probably switch that one out as well.\n\nChannel 1: Mhmm.\n\nChannel 0: Overall, the growth profile idea, again, hitting that consistent sort of eight to 9% returns, scaling it back when you're closer to retirement. Are you still kind of comfortable with that, you know, go for growth but not high risk?\n\nChannel 1: Yeah. I think so.\n\nChannel 0: We've got so it's still positive for the year, about 6% after fees even though we've had that double drop, which is good. And then we've got the contributions. Physio Fusion PTY LTD is coming in nice and consistent. They've switched you to $501.12 each time. Do you know what's going on in terms of the sort of payroll system for the contributions at all?\n\nChannel 1: Yeah. So what's happened is because now the government's made done a made is making us because it's just I'm including my company, so I send it in. Every time you do a pay, which is every fortnight, you have to do your super at the same\n\nChannel 0: Yeah.\n\nChannel 1: time. So every time one\n\nChannel 0: That's\n\nChannel 1: of my\n\nChannel 0: what\n\nChannel 1: pay\n\nChannel 0: I thought\n\nChannel 1: thing\n\nChannel 0: it was.\n\nChannel 1: go\n\nChannel 0: Yeah.\n\nChannel 1: through so, basically, it'll be every two weeks, there'll be a payment now. Oh, but I went overseas. So because I was overseas for three weeks, I said to\n\nChannel 0: Oh,\n\nChannel 1: my\n\nChannel 0: you missed a couple.\n\nChannel 1: so I paid in about. So that's why there would have been a heap in advance because I got my payroll lady to do all of them and work it out because I have to give her the zero code so she gets it taken\n\nChannel 0: Yeah.\n\nChannel 1: out of my bank account. And so the problem is she was going on holidays, and I was gonna be away for, like, four weeks. And I'm like, well, how are you supposed to do this stupid stuff when I'm not gonna be in the country? And then, you know,\n\nChannel 0: Yeah.\n\nChannel 1: I won't be able to get a netback notification. I won't be able to give you because I won't be on my Australian mobile. I won't be able to give you the zero code. So how are you gonna do it? And she goes, well, I'll do all your pays early.\n\nAnd I said, well, I'll pay myself for those weeks before I leave. And then she said, I'll do them early, and then you just send me the verification code. She said you can pay them early. So yeah. So that's why there was a heap going through because I went away, but now it'll be every two weeks.\n\nIt'll go in. But,\n\nChannel 0: Oh, perfect.\n\nChannel 1: yeah, it's really annoying\n\nChannel 0: I saw\n\nChannel 1: when you\n\nChannel 0: the frequency\n\nChannel 1: go away.\n\nChannel 0: switch, but it was four on the one day, and I thought, oh,\n\nChannel 1: Yeah.\n\nChannel 0: okay.\n\nChannel 1: Yeah. That's because I\n\nChannel 0: On\n\nChannel 1: was going\n\nChannel 0: the\n\nChannel 1: away,\n\nChannel 0: twelfth.\n\nChannel 1: so I have to do it all\n\nChannel 0: Yep.\n\nChannel 1: early. But now I'll be up to date as of it'll be every fortnight now. Yeah.\n\nChannel 0: So working that back, would you say the income's kind of set to that 180,000 per year then?\n\nChannel 1: At the moment. Yeah.\n\nChannel 0: Yep. Right. Yeah. I think we already had it between 108 to 112. We've got the fortnightly income coming out, which you were looking to possibly increase a little bit.\n\nMortgage details updated, $4.30 and a mill on the property. We've got the car updated as well and the health side of things. So no real changes to the assets or liabilities since we last spoke. Cool.\n\nChannel 1: No. Do you think\n\nChannel 0: And\n\nChannel 1: with the profile, do you think at my age or is it common to be with my age to have a little bit more risk? Like like, can you do 85% risk kind of thing, like, at this age? Like, until I get to 60? Like, do more do more people get more conservative as they get older, like, to 60, or what do\n\nChannel 0: Yeah.\n\nChannel 1: a lot of people\n\nChannel 0: Absolutely.\n\nChannel 1: tend to get?\n\nChannel 0: So the time frames wise, growth is kind of good for eight years and above, and high growth is kind of nine to ten years or above. So if we were gonna call it quits at 60 on the dot, you're kind of on the cusp of not really having the time to swing into high growth. You'd you'd caught sequencing risk where the market crashes, and you don't have enough time for it to build back up to where it needs\n\nChannel 1: Yep.\n\nChannel 0: to get the returns. The\n\nChannel 1: Well, I'm 51 now, so\n\nChannel 0: the\n\nChannel 1: I'm I'm pretty sure I'll probably be working till 65.\n\nChannel 0: yeah. So a bit of time there. The I guess the the trade off that I would do is three things. You don't have to decide it today, but this is just kind of the options for you, is you either take on more risk to get a higher return. You put more contributions in to get, like, a safer trajectory.\n\nBut I'm also gonna do a bit of an engine tune up on the super and two options on switching anyway, and that'll\n\nChannel 1: Yep.\n\nChannel 0: bump things up as well. So\n\nChannel 1: Is it maybe is it maybe that, like, can I go to, like, 85? So at the moment, I'm on 80% risk and 20% stable, is it?\n\nChannel 0: yeah. So it fluctuates a little bit. It bounces between 80 to 85 at the moment. And if we tick it up a a category, you basically go\n\nChannel 1: Right.\n\nChannel 0: between 90 to 95.\n\nChannel 1: Oh, you can't do, like, an 85 kind of to 90?\n\nChannel 0: Yeah. Because it it kind of moves that way already, and I think it would be sitting at, like, 83 if I was to kind of analyze\n\nChannel 1: Right. Because I'm totally happy to go up to, like, 85 kind of thing. So I guess if you're\n\nChannel 0: it.\n\nChannel 1: making investments, I guess, you know, and it's a bit do I don't know? I mean, probably up to the 85 is probably okay, I think.\n\nChannel 0: Yep. Absolutely. I probably wouldn't go much\n\nChannel 1: Yeah. 90 to 95 sounds like, 90\n\nChannel 0: higher\n\nChannel 1: five sounds a bit scary to me,\n\nChannel 0: than\n\nChannel 1: but, like, 85 sounds okay. Like yeah.\n\nChannel 0: that.\n\nChannel 1: So maybe more on that higher end of the 80\n\nChannel 0: Yeah.\n\nChannel 1: to 85, but more like 85 kind of thing. It's probably better.\n\nChannel 0: What I'll do is when I update the plan, I'll do the comparison of switching those two options out and what that looks like, and then I'll check out other portfolios, which might be a few percent more aggressive and see if they look pretty good in terms of fees and performance.\n\nChannel 1: Yeah. Yeah. So I'm I'm happy to go slightly more aggressive, but $90.90 to 95 sounds a bit. But, yeah, 85 to, you know, 85, 87 to, you know,\n\nChannel 0: Yep.\n\nChannel 1: 85 to 90, but but, you know, 90 if it seems pretty good, but but, yeah, 90 to 95 sounds a bit much.\n\nChannel 0: I'll\n\nChannel 1: So\n\nChannel 0: have a look at those two. And the two other things that I'll kinda check is for the replacement options, whether it's new portfolio or the same one that I switch out, we can kind of go, like, a like for like replacement of that that option where it's actively managed. You pay a bit more to try and get higher returns, or we can go for, like, the lower fee index funds and switch one of those in. Do you have a kind of lean between the two between fees and performance, like a a\n\nChannel 1: No.\n\nChannel 0: gut feeling there?\n\nChannel 1: Whatever you think.\n\nChannel 0: Cool. I will go for the best recommendation I can, and I'll try and keep it a little bit higher than what it is without going too crazy on the risk. One thing I'm going to consider if you're comfortable with this, and this is not me, like, trying to sell anything, but we do have an 85% SMA. And what it is is it's called a separately managed account where Oakview puts a bubble around the portfolio, and it actually aims for 85%. It basically\n\nChannel 1: Yeah.\n\nChannel 0: means that we can chop and change investments throughout the year without having to update the plan, but it is actually built by\n\nChannel 1: Mhmm.\n\nChannel 0: us in conjunction with BlackRock. I'm not sure how it compares to your portfolio until I run the numbers, but I'm gonna consider that one if you're comfortable with that.\n\nChannel 1: Yeah. Yeah. Yeah. That sounds good. Yeah.\n\nChannel 0: Cool. Just makes things a bit more fluid. Like, if the world's going too crazy, we don't have to kind of chase you up to say, hey. I wanna switch this one option out. They'll just do that automatically once the investment\n\nChannel 1: Yep.\n\nChannel 0: committee meets.\n\nChannel 1: Yep. Yeah. Yeah. No. That sounds\n\nChannel 0: So\n\nChannel 1: good. Sounds like\n\nChannel 0: I'll\n\nChannel 1: a\n\nChannel 0: do\n\nChannel 1: plan.\n\nChannel 0: a three way comparison there. I'll just base it on the contributions that are currently coming in. Do you want me to add any additionals in there or just the the current amount?\n\nChannel 1: No. They'll probably be the same amount. The 500 and whatever it is, it'll be pretty much the same the whole time. I think I just gave myself a pay rise. I just got a pay rise of, like, $5 a week, so I don't think that's really gonna make any difference\n\nChannel 0: Yep. Perfect.\n\nChannel 1: to the super contribution.\n\nChannel 0: We've still got the legal personal representative nomination for the beneficiary in place. So\n\nChannel 1: Yep.\n\nChannel 0: aiming things towards the will and the power of attorney. So that's all good. Last couple of things I'll double check\n\nChannel 1: Yep.\n\nChannel 0: too. So insurances and goals wise, what's kind of the main focus for you for the next twelve months or so?\n\nChannel 1: Just yeah. Just to I just had a holiday, but just to kind of keep busy and just keep, yeah, keep things stable. We've gone through about six secretaries at the moment. Like, we've had new people take over like a company, and so I've just been running the figures because I'm a contractor that between that and being an employee kind of thing. But I need to tell them what figure I would need so that I can not just my salary, but my salary and pay my bills, like my car and my all of that.\n\nSo because when there's no secretary, it makes it hard for me to stay busy as a physio because there's no one on reception answering the phone and booking people in because the secretary decides that she's not coming in, and then we don't have a secretary. And then one of the other people have to work, and they've got to call people in and, like like, it's happened six times in the last few months. Yeah. So, like, really\n\nChannel 0: Wow.\n\nChannel 1: badly. But yeah. So to the point where I mean, I'm not rocking the boat because down the track so they potentially is transition while it's been on the phone to my account. They're kinda kinda going, you know,\n\nChannel 0: Mhmm.\n\nChannel 1: what figure? Like, this is what I need to take in, plus I have to be able to pay the car, plus the petrol, plus the phone, plus all the other things that the company is paying to eventually if because if I start losing money, then I'm gonna have to say to them, this is what I need. You know, I do have a thirty year patient base. I do have Pilates clients. So in I'm maybe I might need to become an employee and then have them pay me that and guarantee me that, in which case if they don't keep me busy from them because\n\nChannel 0: Okay.\n\nChannel 1: of the destabilization of the front desk. So, yeah, it's a bit going, but I can't really make any other moves or change things. So either I'm gonna keep things as, like, or things go backwards. I'm gonna have to say to them, look, you know, I really need stability and you guys aren't giving me that. So I need to basically become an employee in a this much amount of money.\n\nI think we worked out to be a $178, and I could take it to cover everything.\n\nChannel 0: Okay.\n\nChannel 1: Because I thought that's if I get another job, like, before before tax and before super and all that. I mean, like, that's, sorry, growth is what that have to do in that pay me. But, I mean, my company probably gives them that much anyway.\n\nChannel 0: Yeah.\n\nChannel 1: But if they get a percentage, like, they get 40%, I get 60% of of taking. But the problem is if I'm not taking that much money because they're not keeping me busy because there's no one answering the phone, then I'm gonna need them to kinda guarantee my income as an employee so that I can keep paying the bills. But it's gonna be a high thing, so they've gotta convince them to pay\n\nChannel 0: So you've gotta pretty much keep everything personal, financial wise stable. Let\n\nChannel 1: that.\n\nChannel 0: the\n\nChannel 1: Yeah.\n\nChannel 0: business kind of focus in on what it's doing currently, let it play out, and then\n\nChannel 1: Yeah.\n\nChannel 0: look at the rises after that.\n\nChannel 1: Yeah. Yeah. Because, I mean, like, if I get another job somewhere else, they're not gonna pay me that.\n\nChannel 0: Yep.\n\nChannel 1: And I'm not gonna be able to take my Pilates people and stuff like that. Or I open my if I open a business myself, it's very unstable. So I'm better off to work with them and kind of go, well, I have a thirty year patient base and have Pilates clients who come in and, you know but I also need to survive and you guys aren't giving me enough stability at the front desk to keep me busy. I mean, I am at the moment, but\n\nChannel 0: Yeah.\n\nChannel 1: if this keeps happening, you know, it's it's hard to get new patients in, and every time there's a new secretary, you gotta train them and stuff. So yeah. Yep. It's been\n\nChannel 0: And then you've\n\nChannel 1: at least\n\nChannel 0: still got\n\nChannel 1: six\n\nChannel 0: the mortgage and the travel and everything, so plenty of plenty of things to focus on.\n\nChannel 1: yeah. So that is where if I was an employee, then that figure would include, you know, out of that money, then that would include, like, for them because I'd be paying the holiday pay, loading,\n\nChannel 0: Mhmm.\n\nChannel 1: super, all of that. So I'd still end up with the same amount of money in my hand because those that figure is then covering all the other stuff that the company would normally pay.\n\nChannel 0: Right.\n\nChannel 1: But they're they're paying the company about that anyway. We're it's like 7,000 6,800 or something a fortnight. And I think it's 6 let me set. I have to work it. No.\n\nI've gotta work it out. But, yeah, they're paying at the moment, I can tell myself 3,003 thousand 200 a fortnight, but they're paying me, at the moment, about 6,500 a fortnight. So\n\nChannel 0: Right.\n\nChannel 1: I might have to take in about $6.08, but they're paying 6,500. But I'm also paying them GST on their services, their admin services, which then I claim back. So, really, they're probably paying me paying the company about 6 about $6.08, and that's about what I need them to pay me a fortnight. So I've gotta basically put it to them down the track if I decide to go down that path that it's gonna be about the same as in what they're paying as long as I stay reasonably busy, which is kind of their job a little bit.\n\nChannel 0: To keep it coming\n\nChannel 1: So\n\nChannel 0: through the door and and, again,\n\nChannel 1: yeah.\n\nChannel 0: keep the reception going so you can focus on the clients.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Are you still\n\nChannel 1: So\n\nChannel 0: focusing kind of cash flow neutral where whatever's sort of being drawn out is just being used rather than pulling off to the side?\n\nChannel 1: it's slightly cash flow positive now, but then I've I've taken a couple of bonuses and stuff like that, and then I kinda took those without paying super because I just wanted to take the bonus and not have to pay double the amount. So my payroll lady just worked out just because before I went on a holiday and stuff, so she worked it out that I paid. Well, because at one stage, it was really quiet because we were up before this company took over, we were over serviced by thirty three hours. And so the problem was that I was, you know, they put a new person on and get them all the new patients, and I'm getting none to the point where I had to lend the company $20,000. So then and that's a director's loan,\n\nChannel 0: No.\n\nChannel 1: and\n\nChannel 0: Why?\n\nChannel 1: then the company made more money, and I and then paid me back. But now, like, it's going okay. It's it's slightly positive. But, again, if then I start to go quiet again, then it could be a problem. So I've kind of had to train every new secretary and say, listen, I'm a contract to their employees.\n\nYou can't just fill up the new employee and give me nothing or else I can't fill up. They still\n\nChannel 0: Yeah.\n\nChannel 1: get paid.\n\nChannel 0: Because you're working on contractor getting the actual income in, and you're deviating your time towards training the employees.\n\nChannel 1: Yeah. Yeah. Like, six times.\n\nChannel 0: Jeez.\n\nChannel 1: Yeah. So it's yeah. I'm just trying hopefully, we can get a bit of stability there. So yeah. So, anyway, I was talking draw the figures with my accountant because down the track, I'll have to you know, it's still easier to manipulate the people that I've got and actually say to them, look, in the long run, what you'll pay my company is about, you know, 6,500 on average a fortnight.\n\nAnd what I'll need is about 6,800, but you're paying $6.05 plus the GST. Right? Because it because you're paying $6.05, and then and then I'm also giving you the GST. So you're basically paying about $7.01 if I didn't permit the GST. So if you just pay me that directly or, you know, work that out to be the gross and then, you know, minus super and POID and all that, then your net effect will be about the same, but I get stability.\n\nThat's\n\nChannel 0: Yeah.\n\nChannel 1: how I'm gonna put it to them anyway. And\n\nChannel 0: Oh,\n\nChannel 1: then they can\n\nChannel 0: jeez.\n\nChannel 1: have a look at my figures and see what they think if,\n\nChannel 0: Do\n\nChannel 1: you know,\n\nChannel 0: you think\n\nChannel 1: that's\n\nChannel 0: that'll\n\nChannel 1: my plan\n\nChannel 0: finish\n\nChannel 1: then.\n\nChannel 0: off by the end of the year, or is that, like, a next year kind of thing?\n\nChannel 1: Well, my plan my I I don't wanna have to do it. Like, I just hope I stay busy and don't have to do it. But the point is if push comes to shove and things start going backwards and then my bank account starts going backwards, then I'll have to do that.\n\nChannel 0: Yeah.\n\nChannel 1: But then\n\nChannel 0: Yeah.\n\nChannel 1: my accountant\n\nChannel 0: No\n\nChannel 1: said\n\nChannel 0: choice.\n\nChannel 1: and then my accountant said with my car and all that, because we talked about it and we could roll it over and then I'd have to, like, sell it. And then I'd have to, you know, pay, like, stamp duty and claims it back and all that. So then the bookkeeping accounts are better just to leave the car in the company name, and then me pay the company. So I still got my online video and stuff. So me pay the company.\n\nLike like, it's a thousand dollars a month for the car, so me just transfer $500 a pay from me to the car, which is a directed loan to the company, then the company is still actually trading. So, therefore, we can't actually get the company to pay you back any money. But he said it's also gonna be difficult at that time if you start doing that to get any money out of the company because the company is not really trading and making anything. So\n\nChannel 0: Yeah.\n\nChannel 1: so I said, so basically, if I make this transition, I'll have to pull all the money out of the company in bonuses before I do it. And he goes, yeah. It's easy to take dividends out of the company now. But, I mean, I don't really have to wanna have to make this transition if I can avoid it. But, yeah, if I do, he said, you need to kind of do some bonus payments and get the money out of there before you do it or I thought it'd be difficult to get it out if it's not really trading.\n\nChannel 0: Yeah. Absolutely. So\n\nChannel 1: So\n\nChannel 0: if things go backwards, you've gotta kind of jump on it pretty quickly.\n\nChannel 1: yeah. So that's what I mean. So, obviously, like, it'd be fine, and it'd be a little while. But yeah. So I know what I need to do and how much I need to earn, and I just like to have it ready to push the button\n\nChannel 0: If there's\n\nChannel 1: if I\n\nChannel 0: a\n\nChannel 1: have to.\n\nChannel 0: if there's a possibility of potentially going p a y g again,\n\nChannel 1: Yep.\n\nChannel 0: I was just thinking with the the income protection you've\n\nChannel 1: Yep.\n\nChannel 0: got with TAL, should we sort of keep it as is at the $763.05 a month cover if there's a possibility of your, I guess, technically, wages going\n\nChannel 1: Well, it wouldn't really go up with what I will ultimately be getting.\n\nChannel 0: up.\n\nChannel 1: Well, because ultimately in the hand why did you say I would get in the hand? Because I think ultimately it's gonna work out. By the time we do super and take super out and p a y g, I I don't think it's gonna be that that different, you know, because I said I'm getting 3,200 a fortnight, and that's we worked it back from that's what I want in the hand\n\nChannel 0: Right.\n\nChannel 1: kind of thing. But it will end up, yeah, being a $178. Yes. I guess the super on that's probably gonna be more than on a 112, isn't it?\n\nChannel 0: Yeah. And what I'm thinking for the the towel policy is they've got you insured for $1.30 of provable income. So I was wondering,\n\nChannel 1: Yeah.\n\nChannel 0: do we trim it back down, but then if you try to increase it again, you have to go through underwriting? Do we leave that there as a buffer for if the wages go above $1.12 gross?\n\nChannel 1: Yeah. Yeah. And probably better too. Yep.\n\nChannel 0: K. What about the life insurance and disability? There's 950,000 of those.\n\nChannel 1: I'm gonna just keep that because I don't want the premiums to go up anymore. So, look, if\n\nChannel 0: Yep.\n\nChannel 1: I'm dead, then I'm I don't have any kids or whatever. So, you know, if I'm dead, then I don't really think it matters. The life insurance. I don't know. My parents are my beneficiaries or my cousins.\n\nSo, you know, I'm really gonna be more than enough for them.\n\nChannel 0: Like we talked about, it's the TPD is probably the big one for you. The life insurance is keeping it cheaper. That\n\nChannel 1: Well,\n\nChannel 0: clears\n\nChannel 1: the house,\n\nChannel 0: the mortgage,\n\nChannel 1: I owe 430.\n\nChannel 0: another half mil.\n\nChannel 1: So, you know, that'll cover that. So I then own the house, I guess. So yeah. So I think\n\nChannel 0: And then\n\nChannel 1: that'll\n\nChannel 0: with\n\nChannel 1: be\n\nChannel 0: the\n\nChannel 1: alright. With\n\nChannel 0: super\n\nChannel 1: this\n\nChannel 0: and\n\nChannel 1: call.\n\nChannel 0: the insurance, you'd have 700,000 left over, a little bit of tax off of that, maybe renovate if you need to for wheelchair access, and then you've got that money to live off up until retirement.\n\nChannel 1: Yeah. Yeah. Well, I'm an only child too. So when my parents die, like, their house is worth a couple of million, so I get all of that too. So yeah.\n\nSo I\n\nChannel 0: Cool.\n\nChannel 1: think that'll be fine.\n\nChannel 0: So because it's the September 23 and the next premiums are on the November 1, I'll leave it as it is. It'll pay it for twelve months. If we make any changes to it next year, again, they do refunds pro rata if we do something halfway through the\n\nChannel 1: Yeah. Yeah. Because yeah. Because it would just be that we'd if we made a change, that would probably just be upping a 138 or whatever to a 130 to a 170\n\nChannel 0: year.\n\nChannel 1: eight, wouldn't it?\n\nChannel 0: Yeah. Pretty much. And then we'd play around with the levers in terms of the benefit period and whatnot, just try and keep the premiums good.\n\nChannel 1: Well, see, the the point is I would have sick pay if something happens. So I'd get sick pay for well, you know, I don't know, probably only a few days and potentially holiday pay if something happens. So probably at least get a couple of weeks of that, maybe.\n\nChannel 0: So what we do then is instead of that four week waiting period, if we increase the cover later, we can kick that out to sixty or ninety days, and that'll drop the premium significantly just to make\n\nChannel 1: Yeah.\n\nChannel 0: sure that as you go through the fifties because, again, this is gonna jump up even though towel's the best at keeping it low. The fifties is where it gets a bit like a hockey stick, and it's, like, you know, 1,000 this year and then 2,000 next year, another 3,000 the year after. So\n\nChannel 1: Yeah.\n\nChannel 0: I need to sort of balance it with your income need and then the levers I've got to keep the premiums lower.\n\nChannel 1: Yep. Yep. Yep. Yeah. That maybe forty five days or something like that if I was if I was on the higher salary because that 45, yeah, with the higher salary.\n\nI mean, if I was on the highest salary, like I said, I'd probably get I don't know how much sick pay they'd give me, like, maybe five days or a week or something. Or I guess you accrue sick leave. So\n\nChannel 0: Yes.\n\nChannel 1: so, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: that'd probably give me an extra few days to week or something. Sorry.\n\nChannel 0: So when I go through this updated plan just to tweak the super a little bit, do you want me to put in for a catch up in, say, six months time just to see if that has occurred and changed to look at alterations or just leave\n\nChannel 1: Yeah.\n\nChannel 0: it for the annual review? And then\n\nChannel 1: Yeah.\n\nChannel 0: what would\n\nChannel 1: Because\n\nChannel 0: you prefer?\n\nChannel 1: you better remind yeah. Because you better remind me about that because if it happens, it'll it'll mean it'll be pretty full on, like, just having to work out the car, change everything. So I'll probably forget to ring you about that if\n\nChannel 0: Yep.\n\nChannel 1: it happens\n\nChannel 0: No.\n\nChannel 1: because\n\nChannel 0: That's\n\nChannel 1: I'll\n\nChannel 0: fine.\n\nChannel 1: be not very happy, obviously.\n\nChannel 0: Absolutely. So we'll do the super advice now. I'll plug in for, like, a March catch up just to see how the the employment and insurances look,\n\nChannel 1: Yep.\n\nChannel 0: and then we can kind of update any goals or anything at that point too.\n\nChannel 1: Yep.\n\nChannel 0: Outside of that, anything else you can think of that we need to sort of focus on right now?\n\nChannel 1: No. It's probably the main one. Just trying to control what's going on here.\n\nChannel 0: One thing I will do as well, when I send you out the annual review pack, we've got new discounted tiered fee structure for Oakview.\n\nChannel 1: Which one is that? Sorry.\n\nChannel 0: So for us, our advice fees,\n\nChannel 1: Yep.\n\nChannel 0: we've just brought out some new tiered discounts.\n\nChannel 1: Uh-huh.\n\nChannel 0: I'll send you a financial services guide that includes a full breakdown of how the tiers work. But, essentially, everyone above 200,000, there's a percentage discount and another one after 500,000, but we chop it as, like, a flat fee. So rather than it floating with your balance up, it'll just be one flat fee based on the tier that you're at, and there'll be a discount applied. So if you're comfortable with that, I would get\n\nChannel 1: Mhmm.\n\nChannel 0: Michelle to put in place just an updated structure on the new consent form, and I'll send that\n\nChannel 1: Mhmm.\n\nChannel 0: through\n\nChannel 1: Mhmm.\n\nChannel 0: with the annual review pack. Is that okay?\n\nChannel 1: Yep. Yep. That's fine.\n\nChannel 0: Cool. It'll have your certificates of currency, the the hub reports, and everything. And then in a couple of weeks' time, we'll just book in to run through the updated tweaks, the investments.\n\nChannel 1: Mhmm. Sounds good.\n\nChannel 0: Awesome. Alright. Well, glad to not too bad with one stone there. So we've got yeah. Definitely not the TPD support option with TOW.\n\nWe're not going for that.\n\nChannel 1: No.\n\nChannel 0: We will focus on income protection sustainability over the next couple of years, let you enjoy fixing up the employment side. Click super, and then we should be good to go from there.\n\nChannel 1: Alright. So, yeah, I can escape it as it is, and that I don't have to. But fingers\n\nChannel 0: Fingers\n\nChannel 1: crossed.\n\nChannel 0: crossed, Sally. Fingers crossed.\n\nChannel 1: Haven't been\n\nChannel 0: Alrighty.\n\nChannel 1: looking great the last few weeks the last few months. But yeah.\n\nChannel 0: Well, thank you for spending a bit of time with me. I do appreciate that when life gets crazy and busy, it's hard to kind of link up with the planner and the accountant all the time. But, again, for the forty minutes of time, really helps me being able to tackle a few options for you, and then that runs a bit smoother in the background.\n\nChannel 1: Yeah. Wonderful. Thank you very much. Really appreciate it.\n\nChannel 0: No worries at all. I will talk to you in a couple of weeks.\n\nChannel 1: Thank you. Bye.\n\nChannel 0: Thanks, Shelby. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.04,"sentiment":"neutral","sentiment_score":0.02338492125272751},{"text":"Sally speaking.","start":1.04,"end":1.86,"sentiment":"neutral","sentiment_score":0.0422811396420002}],"sentiment":"neutral","sentiment_score":0.0359824001789093,"channel":1,"num_words":3,"start":0.56,"end":1.86},{"sentences":[{"text":"Good afternoon, Sally.","start":3.04,"end":4.08,"sentiment":"positive","sentiment_score":0.3650253713130951},{"text":"It's Tommy here.","start":4.08,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.2612547179063161},{"text":"How are you 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fourteen Revoltz Drive, Benelma.","start":68.34,"end":71.64,"sentiment":"neutral","sentiment_score":0.009111672639846802}],"sentiment":"neutral","sentiment_score":0.009111672639846802,"channel":1,"num_words":10,"start":68.34,"end":71.64},{"sentences":[{"text":"Sensational.","start":72.565,"end":72.885,"sentiment":"neutral","sentiment_score":0.008659174665808678},{"text":"And I'm registered with adviser 1273105.","start":72.885,"end":76.905,"sentiment":"neutral","sentiment_score":0.006724980349342029},{"text":"Sal, are you okay for the call to be 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emails?","start":82.085,"end":89.95,"sentiment":"neutral","sentiment_score":-0.013918111960475262}],"sentiment":"neutral","sentiment_score":-0.003705523494217131,"channel":0,"num_words":27,"start":80.965,"end":89.95},{"sentences":[{"text":"I I just thought, like, it it sounds to me like they're kinda saying, you can change to this thing and then, like, say you had a mental health issue or something like that, then we'll pay you out in part payments rather than full.","start":91.22,"end":104.405,"sentiment":"neutral","sentiment_score":-0.08747126654618316},{"text":"Like you know?","start":104.405,"end":105.605,"sentiment":"neutral","sentiment_score":-0.03244111190239588},{"text":"And I kinda go, well, so say it was a like like, my ex had a a claim, you know, that he actually ended up passing 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but","start":113.0,"end":115.56,"sentiment":"neutral","sentiment_score":-0.20248639583587646}],"sentiment":"neutral","sentiment_score":-0.20248639583587646,"channel":1,"num_words":7,"start":113.0,"end":115.56},{"sentences":[{"text":"Right.","start":115.81,"end":116.31,"sentiment":"neutral","sentiment_score":-0.05641518905758858}],"sentiment":"neutral","sentiment_score":-0.05641518905758858,"channel":0,"num_words":1,"start":115.81,"end":116.31},{"sentences":[{"text":"which I don't know if he'll be able to claim on his life insurance because I probably say it took his own life or something.","start":115.96,"end":120.439995,"sentiment":"neutral","sentiment_score":-0.2932521390914917},{"text":"So, you know, it made me and he couldn't work in his occupation, but it was any occupation or own occupation.","start":120.439995,"end":126.36,"sentiment":"neutral","sentiment_score":-0.32225196560223895},{"text":"That's why I was asking you, and and now I don't know if he'll be able to claim on his life insurance.","start":126.36,"end":130.025,"sentiment":"neutral","sentiment_score":-0.2719227678396485},{"text":"So he fought for year for years with them and didn't get a dime kind of thing.","start":130.325,"end":136.965,"sentiment":"neutral","sentiment_score":-0.3278333667446585},{"text":"So they're kind of saying, well, instead of us fighting because we don't wanna give you a, like, $9,000,000 payout.","start":136.965,"end":141.545,"sentiment":"neutral","sentiment_score":-0.2754894353449345}],"sentiment":"neutral","sentiment_score":-0.2967985865615663,"channel":1,"num_words":105,"start":115.96,"end":141.545},{"sentences":[{"text":"Like, in all that time, he had to keep paying off his premiums, like, for the for the while they were deciding, he was still paying all the premiums, but then they didn't give him any money.","start":142.34,"end":152.98,"sentiment":"negative","sentiment_score":-0.3497187104579565},{"text":"So it's kinda saying, well, we'd pay you in part payments.","start":152.98,"end":155.38,"sentiment":"neutral","sentiment_score":-0.18300473283637653},{"text":"But to me, it's like, well, if if I'm owed $9,000,000, I probably want $9,000,000, not Eudice to pay me 2,000,000 and go, you you should be better now.","start":155.38,"end":162.625,"sentiment":"neutral","sentiment_score":-0.2608898369402721},{"text":"So sounds like they're trying to","start":162.625,"end":163.82501,"sentiment":"neutral","sentiment_score":-0.09400016938646634}],"sentiment":"neutral","sentiment_score":-0.27810181488832797,"channel":1,"num_words":83,"start":142.34,"end":163.82501},{"sentences":[{"text":"Yeah.","start":163.775,"end":164.07,"sentiment":"neutral","sentiment_score":-0.12585054337978363}],"sentiment":"neutral","sentiment_score":-0.12585054337978363,"channel":0,"num_words":1,"start":163.775,"end":164.07},{"sentences":[{"text":"cover themselves so they don't have to do a big lump sum 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cover their own back, but I can't see any benefit to me at all other than I might get a part payment.","start":179.92001,"end":188.125,"sentiment":"negative","sentiment_score":-0.4991197606612896},{"text":"But, also, once you take that up, you can't go back.","start":188.125,"end":190.685,"sentiment":"negative","sentiment_score":-0.39165904982523486},{"text":"It's like once you decrease your credit card limit, you can't increase it again without a full loan thing.","start":190.685,"end":194.925,"sentiment":"neutral","sentiment_score":-0.10425458005384396},{"text":"So they're saying once you take it up, then you can't go back to your other one.","start":194.925,"end":200.25,"sentiment":"neutral","sentiment_score":-0.1569858679876608},{"text":"Like, you can't just get rid of 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trajectory.","start":1159.86,"end":1164.2001,"sentiment":"neutral","sentiment_score":0.004322651773691177}],"sentiment":"neutral","sentiment_score":-0.05469625901247634,"channel":0,"num_words":61,"start":1148.135,"end":1164.2001},{"sentences":[{"text":"But I'm also gonna do a bit of an engine tune up on the super and two options on switching anyway, and that'll","start":1164.98,"end":1170.395,"sentiment":"neutral","sentiment_score":0.1673573783558348}],"sentiment":"neutral","sentiment_score":0.1673573783558348,"channel":0,"num_words":23,"start":1164.98,"end":1170.395},{"sentences":[{"text":"Yep.","start":1170.325,"end":1170.825,"sentiment":"neutral","sentiment_score":0.25258079171180725}],"sentiment":"neutral","sentiment_score":0.25258079171180725,"channel":1,"num_words":1,"start":1170.325,"end":1170.825},{"sentences":[{"text":"bump things up as 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bit.","start":1180.7151,"end":1182.155,"sentiment":"neutral","sentiment_score":-0.03253542942305406},{"text":"It bounces between 80 to 85 at the moment.","start":1182.155,"end":1184.77,"sentiment":"neutral","sentiment_score":0.05408941995766428},{"text":"And if we tick it up a a category, you basically go","start":1184.77,"end":1187.41,"sentiment":"neutral","sentiment_score":0.06686527437220018}],"sentiment":"neutral","sentiment_score":0.039133870375475714,"channel":0,"num_words":28,"start":1180.475,"end":1187.41},{"sentences":[{"text":"Right.","start":1187.2849,"end":1187.7849,"sentiment":"neutral","sentiment_score":0.0537397526204586}],"sentiment":"neutral","sentiment_score":0.0537397526204586,"channel":1,"num_words":1,"start":1187.2849,"end":1187.7849},{"sentences":[{"text":"between 90 to 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think.","start":1209.5399,"end":1213.355,"sentiment":"neutral","sentiment_score":0.12775437658031782}],"sentiment":"neutral","sentiment_score":0.08875815427074066,"channel":1,"num_words":26,"start":1206.6599,"end":1213.355},{"sentences":[{"text":"Yep.","start":1213.195,"end":1213.595,"sentiment":"neutral","sentiment_score":0.13961531221866608},{"text":"Absolutely.","start":1213.595,"end":1214.095,"sentiment":"neutral","sentiment_score":0.10076487064361572},{"text":"I probably wouldn't go much","start":1214.155,"end":1215.65,"sentiment":"neutral","sentiment_score":-0.022923004254698752}],"sentiment":"neutral","sentiment_score":0.017966451655541147,"channel":0,"num_words":7,"start":1213.195,"end":1215.65},{"sentences":[{"text":"Yeah.","start":1216.2151,"end":1216.535,"sentiment":"neutral","sentiment_score":-0.04993477091193199},{"text":"90 to 95 sounds like, 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yeah.","start":1223.975,"end":1224.9551,"sentiment":"neutral","sentiment_score":0.025245998054742813}],"sentiment":"neutral","sentiment_score":0.0105347212936197,"channel":1,"num_words":7,"start":1221.735,"end":1224.9551},{"sentences":[{"text":"that.","start":1224.735,"end":1225.235,"sentiment":"neutral","sentiment_score":0.03978109732270241}],"sentiment":"neutral","sentiment_score":0.03978109732270241,"channel":0,"num_words":1,"start":1224.735,"end":1225.235},{"sentences":[{"text":"So maybe more on that higher end of the 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three way comparison there.","start":1357.23,"end":1358.59,"sentiment":"neutral","sentiment_score":0.17048442512750625},{"text":"I'll just base it on the contributions that are currently coming in.","start":1358.59,"end":1361.31,"sentiment":"neutral","sentiment_score":0.15278049806753793},{"text":"Do you want me to add any additionals in there or just the the current amount?","start":1361.31,"end":1365.49,"sentiment":"neutral","sentiment_score":0.05797731876373291}],"sentiment":"neutral","sentiment_score":0.10949773341417313,"channel":0,"num_words":33,"start":1357.23,"end":1365.49},{"sentences":[{"text":"No.","start":1365.83,"end":1366.23,"sentiment":"neutral","sentiment_score":-0.1145872175693512},{"text":"They'll probably be the same amount.","start":1366.23,"end":1367.19,"sentiment":"neutral","sentiment_score":-0.06617024354636669},{"text":"The 500 and whatever it is, it'll be pretty much the same the whole time.","start":1367.19,"end":1370.63,"sentiment":"neutral","sentiment_score":-0.0047531704107920325},{"text":"I think I just gave myself a pay rise.","start":1370.63,"end":1372.7899,"sentiment":"neutral","sentiment_score":-0.031183060580385953},{"text":"I just got a pay rise of, like, $5 a week, so I don't think that's really gonna make any difference","start":1372.7899,"end":1377.0149,"sentiment":"neutral","sentiment_score":-0.00665060475113846}],"sentiment":"neutral","sentiment_score":-0.019292624615515636,"channel":1,"num_words":52,"start":1365.83,"end":1377.0149},{"sentences":[{"text":"Yep.","start":1377.485,"end":1377.965,"sentiment":"neutral","sentiment_score":0.31798481941223145},{"text":"Perfect.","start":1377.965,"end":1378.465,"sentiment":"positive","sentiment_score":0.7424571514129639}],"sentiment":"positive","sentiment_score":0.5302209854125977,"channel":0,"num_words":2,"start":1377.485,"end":1378.465},{"sentences":[{"text":"to the super contribution.","start":1378.4349,"end":1379.6549,"sentiment":"positive","sentiment_score":0.614421933889389}],"sentiment":"positive","sentiment_score":0.614421933889389,"channel":1,"num_words":4,"start":1378.4349,"end":1379.6549},{"sentences":[{"text":"We've still got the legal personal representative nomination for the beneficiary in place.","start":1380.78,"end":1385.92,"sentiment":"positive","sentiment_score":0.3793169833146609},{"text":"So","start":1386.06,"end":1386.4601,"sentiment":"neutral","sentiment_score":0.30798617005348206}],"sentiment":"positive","sentiment_score":0.3742219252245767,"channel":0,"num_words":14,"start":1380.78,"end":1386.4601},{"sentences":[{"text":"Yep.","start":1386.2749,"end":1386.7749,"sentiment":"neutral","sentiment_score":0.2910064458847046}],"sentiment":"neutral","sentiment_score":0.2910064458847046,"channel":1,"num_words":1,"start":1386.2749,"end":1386.7749},{"sentences":[{"text":"aiming things towards the will and the power of attorney.","start":1386.4601,"end":1389.4401,"sentiment":"positive","sentiment_score":0.4357858270406723},{"text":"So that's all good.","start":1390.78,"end":1392.0801,"sentiment":"positive","sentiment_score":0.5968103110790253},{"text":"Last couple of things I'll double check","start":1393.3401,"end":1394.865,"sentiment":"neutral","sentiment_score":0.1474629459636552}],"sentiment":"positive","sentiment_score":0.37034953030801954,"channel":0,"num_words":21,"start":1386.4601,"end":1394.865},{"sentences":[{"text":"Yep.","start":1395.65,"end":1396.15,"sentiment":"neutral","sentiment_score":0.13720741868019104}],"sentiment":"neutral","sentiment_score":0.13720741868019104,"channel":1,"num_words":1,"start":1395.65,"end":1396.15},{"sentences":[{"text":"too.","start":1395.665,"end":1396.165,"sentiment":"neutral","sentiment_score":0.1075853481888771},{"text":"So insurances and goals wise, what's kind of the main focus for you for the next twelve months or so?","start":1396.625,"end":1405.365,"sentiment":"neutral","sentiment_score":0.12051167935132981}],"sentiment":"neutral","sentiment_score":0.11989613977216539,"channel":0,"num_words":21,"start":1395.665,"end":1405.365},{"sentences":[{"text":"Just yeah.","start":1409.3251,"end":1410.8451,"sentiment":"neutral","sentiment_score":0.05912785790860653},{"text":"Just to I just had a holiday, but just to kind of keep busy and just keep, yeah, keep things stable.","start":1410.8451,"end":1416.685,"sentiment":"neutral","sentiment_score":0.057372242567085084},{"text":"We've gone through about six secretaries at the moment.","start":1416.685,"end":1419.0,"sentiment":"neutral","sentiment_score":-0.011697854432794783},{"text":"Like, we've had new people take over like a company, and so I've just been running the figures because I'm a contractor that between that and being an employee kind of thing.","start":1419.0,"end":1427.96,"sentiment":"neutral","sentiment_score":-0.018410013319225982},{"text":"But I need to tell them what figure I would need so that I can not just my salary, but my salary and pay my bills, like my car and my all of that.","start":1427.96,"end":1436.535,"sentiment":"neutral","sentiment_score":-0.04431196800707018}],"sentiment":"neutral","sentiment_score":-0.008958522639028271,"channel":1,"num_words":98,"start":1409.3251,"end":1436.535},{"sentences":[{"text":"So because when there's no secretary, it makes it hard for me to stay busy as a physio because there's no one on reception answering the phone and booking people in because the secretary decides that she's not coming in, and then we don't have a secretary.","start":1436.595,"end":1448.52,"sentiment":"neutral","sentiment_score":-0.29272144937768896},{"text":"And then one of the other people have to work, and they've got to call people in and, like like, it's happened six times in the last few 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down the track so they potentially is transition while it's been on the phone to my account.","start":1460.3151,"end":1467.675,"sentiment":"neutral","sentiment_score":-0.18765647833546004},{"text":"They're kinda kinda going, you know,","start":1467.675,"end":1468.9551,"sentiment":"neutral","sentiment_score":-0.16936353594064713}],"sentiment":"neutral","sentiment_score":-0.18458878134305662,"channel":1,"num_words":39,"start":1457.16,"end":1468.9551},{"sentences":[{"text":"Mhmm.","start":1468.9299,"end":1469.4299,"sentiment":"neutral","sentiment_score":-0.11468848586082458}],"sentiment":"neutral","sentiment_score":-0.11468848586082458,"channel":0,"num_words":1,"start":1468.9299,"end":1469.4299},{"sentences":[{"text":"what figure?","start":1468.9551,"end":1470.3351,"sentiment":"neutral","sentiment_score":-0.1254236251115799},{"text":"Like, this is what I need to take in, plus I have to be able to pay the car, plus the petrol, plus the phone, plus all the other things that the company is 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gonna have to say to them, look, you know, I really need stability and you guys aren't giving me that.","start":1505.75,"end":1510.39,"sentiment":"neutral","sentiment_score":-0.21660901996351423},{"text":"So I need to basically become an employee in a this much amount of money.","start":1510.39,"end":1513.79,"sentiment":"neutral","sentiment_score":0.05733695328235626}],"sentiment":"neutral","sentiment_score":-0.2359968288284209,"channel":1,"num_words":72,"start":1496.635,"end":1513.79},{"sentences":[{"text":"I think we worked out to be a $178, and I could take it to cover 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yeah.","start":2384.7551,"end":2385.745,"sentiment":"neutral","sentiment_score":0.21871425211429596}],"sentiment":"neutral","sentiment_score":0.266269418100516,"channel":1,"num_words":12,"start":2382.115,"end":2385.745},{"sentences":[{"text":"Well, thank you for spending a bit of time with me.","start":2386.03,"end":2387.95,"sentiment":"positive","sentiment_score":0.5951498692685907},{"text":"I do appreciate that when life gets crazy and busy, it's hard to kind of link up with the planner and the accountant all the time.","start":2387.95,"end":2393.73,"sentiment":"positive","sentiment_score":0.37097212958794373},{"text":"But, again, for the forty minutes of time, really helps me being able to tackle a few options for you, and then that runs a bit smoother in the background.","start":2393.79,"end":2402.665,"sentiment":"positive","sentiment_score":0.46476839582125345}],"sentiment":"positive","sentiment_score":0.4497757582966961,"channel":0,"num_words":67,"start":2386.03,"end":2402.665},{"sentences":[{"text":"Yeah.","start":2403.155,"end":2403.555,"sentiment":"positive","sentiment_score":0.4642390012741089},{"text":"Wonderful.","start":2403.555,"end":2404.035,"sentiment":"positive","sentiment_score":0.8135626316070557},{"text":"Thank you very much.","start":2404.035,"end":2404.755,"sentiment":"positive","sentiment_score":0.8247046321630478},{"text":"Really appreciate it.","start":2404.755,"end":2405.895,"sentiment":"positive","sentiment_score":0.7967137098312378}],"sentiment":"positive","sentiment_score":0.7740845878918966,"channel":1,"num_words":9,"start":2403.155,"end":2405.895},{"sentences":[{"text":"No worries at all.","start":2406.405,"end":2407.205,"sentiment":"positive","sentiment_score":0.3354356959462166},{"text":"I will talk to you in a couple of weeks.","start":2407.205,"end":2408.835,"sentiment":"neutral","sentiment_score":0.3227846845984459}],"sentiment":"neutral","sentiment_score":0.3263992592692375,"channel":0,"num_words":14,"start":2406.405,"end":2408.835},{"sentences":[{"text":"Thank you.","start":2409.235,"end":2410.035,"sentiment":"positive","sentiment_score":0.5981313288211823},{"text":"Bye.","start":2410.035,"end":2410.535,"sentiment":"neutral","sentiment_score":0.32799744606018066}],"sentiment":"positive","sentiment_score":0.5080867012341818,"channel":1,"num_words":3,"start":2409.235,"end":2410.535},{"sentences":[{"text":"Thanks, Shelby.","start":2410.835,"end":2411.635,"sentiment":"positive","sentiment_score":0.5669621229171753},{"text":"Bye.","start":2411.635,"end":2412.135,"sentiment":"neutral","sentiment_score":-0.0850573405623436}],"sentiment":"positive","sentiment_score":0.34962230175733566,"channel":0,"num_words":3,"start":2410.835,"end":2412.135}]},"summary":{"result":"success","short":"A customer named Sally contacted a representative named Tommy about a scam email she received from a former Google Maps ad. Tommy explained that the emails are designed to cover mental health issues and offer premium discounts, but Sally's credit card limit is not allowing her to increase it again without a full loan. Sally is hesitant to get a TPD claim until she reaches a point where she can afford to pay more. The agent suggested switching to a new insurance product and emphasizes the importance of stability and pay for employees to avoid unnecessary staffing. The customer discusses their retirement plans and their plans to work for a new company and their retirement savings with the agent."},"intents":{"segments":[{"text":"which I don't know if he'll be able to claim on his life insurance because I probably say it took his own life or something. So, you know, it made me and he couldn't work in his occupation, but it was any occupation or own occupation. That's why I was asking you, and and now I don't know if he'll be able to claim on his life insurance.","start_word":349,"end_word":416,"intents":[{"intent":"Seek insurance coverage","confidence_score":0.0015429418}]},{"text":"And some policies had unable, some had unlikely, and now it's Yeah. all been brought into line where everyone goes off the unlikely, which Yeah. is as far as doctors are pretty much allowed Well, to go.","start_word":1011,"end_word":1047,"intents":[{"intent":"Clarify policy responsibilities","confidence_score":0.000843348}]},{"text":"The I guess the the one really good benefit of Tal compared to other insurers is they have the lowest consistent premium increases in the industry. That's their main calling card is you get cheaper cover that stays cheaper longer than the other Yeah.","start_word":1634,"end_word":1677,"intents":[{"intent":"Evaluate premium benefits","confidence_score":0.006495298}]},{"text":"And I also wonder whether they could then say that it's almost, like, become a new premium.","start_word":1716,"end_word":1732,"intents":[{"intent":"Inquire about new policy","confidence_score":0.002967302},{"intent":"Discuss new policy","confidence_score":0.16402136},{"intent":"Discuss new policy","confidence_score":0.39169678}]},{"text":"one of the things I tried to get off. And I just wonder, like, even with this, could they claim that this is a new policy or a new kind of thing?","start_word":1863,"end_word":1894,"intents":[{"intent":"Clarify current policy","confidence_score":0.00057775725}]},{"text":"So it's not like we've got a policy, so we'll just roll it over and add this. That's what I thought.","start_word":2078,"end_word":2098,"intents":[{"intent":"Update policy details","confidence_score":0.043289684}]},{"text":"Are you able to do my quick financial review thing so I don't have to book a whole appointment or not or Let me Let's see see.","start_word":2423,"end_word":2449,"intents":[{"intent":"Request financial review","confidence_score":0.078544624}]},{"text":"just log in to the old super.","start_word":2499,"end_word":2505,"intents":[{"intent":"Log in","confidence_score":0.11175313}]},{"text":"Two factor authentication, always lovely. I hope we can get away from all this soon. The old email password, thumbprint, two factor, text card. It gets No.","start_word":2506,"end_word":2532,"intents":[{"intent":"Verify two-factor authentication","confidence_score":0.007928649}]},{"text":"The last Here we three go. airdrops I've done, it's made me put a code in from their phone. Oh, no.","start_word":2595,"end_word":2615,"intents":[{"intent":"Make phone code","confidence_score":0.0017901879}]},{"text":"I just won't have the, like, document pack to send through to you until we generate it after the call.","start_word":2729,"end_word":2748,"intents":[{"intent":"Generate documents","confidence_score":0.006635774},{"intent":"Send documents","confidence_score":0.06277623}]},{"text":"So Hub twenty four account, look at the current balance. I'm just generating some performance reports as well. So we got $2,134.23.","start_word":2772,"end_word":2793,"intents":[{"intent":"Review performance reports","confidence_score":0.00916285}]},{"text":"You don't have to decide it today, but this is just kind of the options for you, is you either take on more risk to get a higher return. You put more contributions in to get, like, a safer trajectory.","start_word":3805,"end_word":3844,"intents":[{"intent":"Evaluate retirement options","confidence_score":0.004978334}]},{"text":"But I'm also gonna do a bit of an engine tune up on the super and two options on switching anyway, and that'll Yep.","start_word":3846,"end_word":3869,"intents":[{"intent":"Review options","confidence_score":0.0030322012}]},{"text":"What I'll do is when I update the plan, I'll do the comparison of switching those two options out and what that looks like, and then I'll check out other portfolios, which might be a few percent more aggressive and see if they look pretty good in terms of fees and performance. Yeah.","start_word":4073,"end_word":4125,"intents":[{"intent":"Compare options","confidence_score":0.019166794},{"intent":"Compare fees and performance","confidence_score":0.0046803784}]},{"text":"And the two other things that I'll kinda check is for the replacement options, whether it's new portfolio or the same one that I switch out, we can kind of go, like, a like for like replacement of that that option where it's actively managed. You pay a bit more to try and get higher returns, or we can go for, like, the lower fee index funds and switch one of those in.","start_word":4187,"end_word":4259,"intents":[{"intent":"Check portfolio and find better returns","confidence_score":0.00067109475}]},{"text":"One thing I'm going to consider if you're comfortable with this, and this is not me, like, trying to sell anything, but we do have an 85% SMA. And what it is is it's called a separately managed account where Oakview puts a bubble around the portfolio, and it actually aims for 85%.","start_word":4314,"end_word":4366,"intents":[{"intent":"Decide on portfolio size","confidence_score":0.00020814338},{"intent":"Consider portfolio as 85% sma","confidence_score":0.105049886}]},{"text":"I'm not sure how it compares to your portfolio until I run the numbers, but I'm gonna consider that one if you're comfortable with that. Yeah.","start_word":4399,"end_word":4424,"intents":[{"intent":"Compare portfolio and portfolio","confidence_score":0.00073619396}]},{"text":"Do you want me to add any additionals in there or just the the current amount? No.","start_word":4507,"end_word":4523,"intents":[{"intent":"Consider adding additionals","confidence_score":0.008851771}]},{"text":"No.","start_word":4523,"end_word":4523,"intents":[{"intent":"Determine contributions","confidence_score":0.0017287188}]},{"text":"I think we worked out to be a $178, and I could take it to cover everything.","start_word":5039,"end_word":5055,"intents":[{"intent":"Evaluate cost","confidence_score":0.00019318472}]},{"text":"So that is where if I was an employee, then that figure would include, you know, out of that money, then that would include, like, for them because I'd be paying the holiday pay, loading, Mhmm. super, all of that. So I'd still end up with the same amount of money in my hand because those that figure is then covering all the other stuff that the company would normally pay. Right.","start_word":5383,"end_word":5454,"intents":[{"intent":"Manage patient payments","confidence_score":0.0093965735}]},{"text":"So my payroll lady just worked out just because before I went on a holiday and stuff, so she worked it out that I paid.","start_word":5719,"end_word":5743,"intents":[{"intent":"Work on project","confidence_score":0.000009316317}]},{"text":"And what I'll need is about 6,800, but you're paying $6.05 plus the GST. Right?","start_word":5997,"end_word":6011,"intents":[{"intent":"Provide","confidence_score":0.00003275337},{"intent":"Determine total cost","confidence_score":0.0000943277},{"intent":"Discuss figure balance","confidence_score":0.0006567169},{"intent":"Discuss company's tax status","confidence_score":0.00027375983}]},{"text":"how I'm gonna put it to them anyway. And Oh, then they can jeez. have a look at my figures and see what they think if, Do you know, you think that's that'll my plan finish then.","start_word":6083,"end_word":6119,"intents":[{"intent":"Confirm plan completion","confidence_score":0.0706068}]},{"text":"But the point is if push comes to shove and things start going backwards and then my bank account starts going backwards, then I'll have to do that. Yeah. But then Yeah.","start_word":6162,"end_word":6193,"intents":[{"intent":"Discuss bank account","confidence_score":0.03928589},{"intent":"Discuss bank account","confidence_score":0.06949033}]},{"text":"So then the bookkeeping accounts are better just to leave the car in the company name, and then me pay the company. So I still got my online video and stuff. So me pay the company. Like like, it's a thousand dollars a month for the car, so me just transfer $500 a pay from me to the car, which is a directed loan to the company, then the company is still actually trading.","start_word":6247,"end_word":6320,"intents":[{"intent":"Discuss car trade-in","confidence_score":0.0041343165}]},{"text":"So, therefore, we can't actually get the company to pay you back any money. But he said it's also gonna be difficult at that time if you start doing that to get any money out of the company because the company is not really trading and making anything. So Yeah.","start_word":6321,"end_word":6370,"intents":[{"intent":"Discuss company's trading","confidence_score":0.019005781}]},{"text":"so I said, so basically, if I make this transition, I'll have to pull all the money out of the company in bonuses before I do it.","start_word":6372,"end_word":6398,"intents":[{"intent":"Make a transition","confidence_score":0.16066824},{"intent":"Make a transition","confidence_score":0.31612623},{"intent":"Make a transition","confidence_score":0.13152009}]},{"text":"It's easy to take dividends out of the company now.","start_word":6402,"end_word":6411,"intents":[{"intent":"Get dividends","confidence_score":0.18359773}]},{"text":"I was just thinking with the the income protection you've Yep.","start_word":6557,"end_word":6567,"intents":[{"intent":"Get income protection","confidence_score":0.19590585}]},{"text":"I was just thinking with the the income protection you've Yep. got with TAL, should we sort of keep it as is at the $763.05 a month cover if there's a possibility of your, I guess, technically, wages going Well, it wouldn't really go up with what I will ultimately be getting. up.","start_word":6557,"end_word":6609,"intents":[{"intent":"Keep it","confidence_score":0.15126628}]},{"text":"I guess the super on that's probably gonna be more than on a 112, isn't it? Yeah.","start_word":6697,"end_word":6713,"intents":[{"intent":"Get super on a ta","confidence_score":0.00021541138},{"intent":"Get a super on a 113","confidence_score":0.0048460723}]},{"text":"And what I'm thinking for the the towel policy is they've got you insured for $1.30 of provable income. So I was wondering, Yeah.","start_word":6715,"end_word":6738,"intents":[{"intent":"Explain policy policy structure","confidence_score":0.0001966137}]},{"text":"Because it would just be that we'd if we made a change, that would probably just be upping a 138 or whatever to a 130 to a 170 year.","start_word":7056,"end_word":7084,"intents":[{"intent":"Change plans","confidence_score":0.008955392}]},{"text":"So we'll do the super advice now. I'll plug in for, like, a March catch up just to see how the the employment and insurances look, Yep. and then we can kind of update any goals or anything at that point too. Yep.","start_word":7489,"end_word":7531,"intents":[{"intent":"Check financial status","confidence_score":0.00036233687}]},{"text":"So for us, our advice fees, Yep. we've just brought out some new tiered discounts. Uh-huh.","start_word":7595,"end_word":7610,"intents":[{"intent":"Understand discounts and tiers","confidence_score":0.00002499903}]},{"text":"Michelle to put in place just an updated structure on the new consent form, and I'll send that Mhmm. through Mhmm. with the annual review pack. Is that okay? Yep.","start_word":7689,"end_word":7718,"intents":[{"intent":"Review consent form","confidence_score":0.0005832185}]},{"text":"It'll have your certificates of currency, the the hub reports, and everything. And then in a couple of weeks' time, we'll just book in to run through the updated tweaks, the investments.","start_word":7723,"end_word":7754,"intents":[{"intent":"Book update tweaks","confidence_score":0.0063201757}]},{"text":"It'll have your certificates of currency, the the hub reports, and everything. And then in a couple of weeks' time, we'll just book in to run through the updated tweaks, the investments. Mhmm.","start_word":7723,"end_word":7755,"intents":[{"intent":"Review investments","confidence_score":0.1326788}]},{"text":"We will focus on income protection sustainability over the next couple of years, let you enjoy fixing up the employment side. Click super, and then we should be good to go from there. Alright.","start_word":7788,"end_word":7821,"intents":[{"intent":"Clarify intent","confidence_score":0.00013390018}]}]},"sentiments":{"segments":[{"text":"Hello? Sally speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.0359824001789093},{"text":"Good afternoon, Sally.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.3577333092689514},{"text":"It's Tommy here. How are you doing?","start_word":6,"end_word":12,"sentiment":"neutral","sentiment_score":0.27390992641448975},{"text":"Good. Thanks.","start_word":13,"end_word":14,"sentiment":"positive","sentiment_score":0.5161317586898804},{"text":"How are you? Sorry. I just had a a call, and it was, like, an 02 number. I'm like, I don't think you'd be calling from there, and it was, like, Google Maps or something. So I was just like Oh, and I'm like because it was, like, at the time, I'm like, no.","start_word":15,"end_word":68,"sentiment":"neutral","sentiment_score":-0.2047128677368164},{"text":"I better take it because otherwise you'll call me and it won't be and, you know, it it might be you.","start_word":69,"end_word":89,"sentiment":"negative","sentiment_score":-0.36660584807395935},{"text":"So yeah.","start_word":90,"end_word":91,"sentiment":"neutral","sentiment_score":-0.2178429216146469},{"text":"I'm getting mixed in with spam at 02:15. That's horrible.","start_word":92,"end_word":101,"sentiment":"negative","sentiment_score":-0.5101272463798523},{"text":"Oh, well, it's alright.","start_word":102,"end_word":105,"sentiment":"neutral","sentiment_score":-0.32370132207870483},{"text":"I just hung up on them.","start_word":106,"end_word":111,"sentiment":"negative","sentiment_score":-0.3984290659427643},{"text":"Oh, good stuff. I appreciate you prioritizing me over the old Google Maps scam artist. I appreciate it. Exactly. Yeah. How's your day been? Oh, look.","start_word":112,"end_word":137,"sentiment":"neutral","sentiment_score":0.10036645084619522},{"text":"It's been fantastic. It's bright, Sunny. Everything's been going great so far, and Good.","start_word":138,"end_word":151,"sentiment":"positive","sentiment_score":0.5675596594810486},{"text":"I have a little bit of information for you today. Mhmm. What I'll do is I'll just go Mhmm. through quick Mhmm. usual security check, and that way I can kind of dive into it a bit deeper with you. If I could please confirm your date of birth and address that we'd have on file. Eighteenth of the second seventy five fourteen Revoltz Drive, Benelma. Sensational. And I'm registered with adviser 1273105. Sal, are you okay for the call to be recorded? Mhmm. Yep. Perfect. First thing I wanted to ask you though is with the emails that you got from Tal, what were your thoughts when you received those emails? I I just thought, like, it it sounds to me like they're kinda saying, you can change to this thing and then, like, say you had a mental health issue or something like that, then we'll pay you out in part payments rather than full. Like you know? And I kinda go, well, so say it was a like like, my ex had a a claim, you know, that he actually ended up passing away. So Mhmm. from drinking and mental health stuff, but Right. which I don't know if he'll be able to claim on his life insurance because I probably say it took his own life or something. So, you know, it made me and he couldn't work in his occupation, but it was any occupation or own occupation. That's why I was asking you, and and now I don't know if he'll be able to claim on his life insurance.","start_word":152,"end_word":416,"sentiment":"neutral","sentiment_score":-0.1157625714000666},{"text":"So he fought for year for years with them and didn't get a dime kind of thing.","start_word":417,"end_word":433,"sentiment":"negative","sentiment_score":-0.33735164999961853},{"text":"So they're kind of saying, well, instead of us fighting because we don't wanna give you a, like, $9,000,000 payout.","start_word":434,"end_word":453,"sentiment":"neutral","sentiment_score":-0.2767147421836853},{"text":"Like, in all that time, he had to keep paying off his premiums, like, for the for the while they were deciding, he was still paying all the premiums, but then they didn't give him any money.","start_word":454,"end_word":490,"sentiment":"negative","sentiment_score":-0.35119906067848206},{"text":"So it's kinda saying, well, we'd pay you in part payments. But to me, it's like, well, if if I'm owed $9,000,000, I probably want $9,000,000, not Eudice to pay me 2,000,000 and go, you you should be better now. So sounds like they're trying to Yeah. cover themselves so they don't have to do a big lump sum payment. But, ultimately, they're not try and say I'm fully better. And after two years, I'm gonna have to go through the whole process, and then I'm gonna say I'm fully better. And after three years, they're gonna try and say I'm fully better kinda thing.","start_word":491,"end_word":595,"sentiment":"neutral","sentiment_score":-0.2319151312112808},{"text":"And they're only just gonna pay me part payments. So I just think they're trying to cover their own back, but I can't see any benefit to me at all other than I might get a part payment. But, also, once you take that up, you can't go back.","start_word":596,"end_word":644,"sentiment":"negative","sentiment_score":-0.4565623998641968},{"text":"It's like once you decrease your credit card limit, you can't increase it again without a full loan thing. So they're saying once you take it up, then you can't go back to your other one. Like, you can't just get rid of it.","start_word":645,"end_word":688,"sentiment":"neutral","sentiment_score":-0.1498919427394867},{"text":"So it doesn't seem very appealing to me in any way, shape, or form, to be honest.","start_word":689,"end_word":705,"sentiment":"negative","sentiment_score":-0.34561461210250854},{"text":"It just seems like they're You've trying to yeah. save money, and I can't see how I benefit from it at all. Except maybe You've maybe my premiums might go down, but then they might go up again the next year. That's it. So you you've hit the nail on the head exactly. The whole point behind the product is that they've noticed that mental health, chronic fatigue, neurological disorders can be ongoing for a large period of time. So they're basically offering premium discounts to chop it up into five yearly payments, and you've got to get, like, assessed every year to keep getting the 20%. But the whole thing is before it becomes TPD anyway, you've gotta have been on income protection for, like, five years anyway, don't you, before you can even get a TPD claim. It depends.","start_word":706,"end_word":846,"sentiment":"neutral","sentiment_score":-0.0890025720000267},{"text":"So most of the time, it's down to the doctors and at what threshold would they declare you as unlikely to ever return to work.","start_word":847,"end_word":871,"sentiment":"negative","sentiment_score":-0.3489435315132141},{"text":"Well, It used his doctor to be said unable and Katja said to, he's which not is likely, but because alcohol was involved as well yeah. Yeah. With the mental health, which, you know, in a lot of case, there probably is some alcohol or addiction or something involved too. So I was just like, no. They gave him nothing. Yeah. And And then it used to be sorry? oh, sorry. No. What were you saying? It used to be a much stricter definition where the insurers would get out of it because the doctor would have to say that you're unable to ever, and no doctor's gonna sign off saying, well, I can't say that, you know, unable to ever return to work. It's unlikely, but not unable, and that would be the one key word. Yeah. And some policies had unable, some had unlikely, and now it's Yeah. all been brought into line where everyone goes off the unlikely, which Yeah. is as far as doctors are pretty much allowed Well, to go.","start_word":872,"end_word":1046,"sentiment":"neutral","sentiment_score":-0.212072303380285},{"text":"Otherwise, they will get sued if they start saying that. basically, he was a top real estate agent, and then you can't he'll never would never be able to deal with and after having a problem with alcohol because of the mental health, he'd never ever be able to deal with that sort of stress.","start_word":1047,"end_word":1101,"sentiment":"negative","sentiment_score":-0.510230541229248},{"text":"But then the their argument is kind of like, well, I guess if you can work at Macca's or, you know, you still could do some work. So you're not you're not totally permanently disabled because he was on any occupation.","start_word":1102,"end_word":1142,"sentiment":"neutral","sentiment_score":-0.20370453596115112},{"text":"So they gave him nothing.","start_word":1143,"end_word":1147,"sentiment":"negative","sentiment_score":-0.37905701994895935},{"text":"Well, Yeah. And at one I did point, see. after fighting for a couple of years, they they agreed to give him $750. But his premiums were, like, 11 or $12 a month Oh, that he was still paying the whole time. And they upped his no premiums. premium phrase. They upped his premiums. They kept upping his premiums. And then at one stage, they go, okay. We'll pay you $750. It was a 9 Yeah. million dollar policy. And and then his lawyer turns around and goes, oh, well, that's admission of of liability. So, yeah, like, we still got a chance of getting the 9,000,000 because they've admitted liability by offering you $9.09 $750.","start_word":1148,"end_word":1263,"sentiment":"neutral","sentiment_score":-0.17506878077983856},{"text":"And I'm like, I don't Ross. think so. So the claim kept going. And I'm like, he should have just told you, like, no. Because if they've offered you $750, I can't see that they're admitting liability, and they're gonna pay you 9,000,000. And there's another fun loop hole too. So with this new product that they've got, it carves out the those conditions, the mental health, the the fatigue, the neurological. And, You typed that out and said you can't claim it.","start_word":1264,"end_word":1346,"sentiment":"negative","sentiment_score":-0.464638888835907},{"text":"well, it says that if you claim on those, there's your five part payments. But what it does is it makes it cheaper for you to get any occupation and own occupation, but you can't be assessed under those conditions under own occupation if you have it. It carves it off to the side. So it can lower a premium to get own occupation, but then you can't actually use that definition on those conditions, which That's what I I gathered.","start_word":1347,"end_word":1427,"sentiment":"neutral","sentiment_score":-0.018718047067523003},{"text":"find to It just be it just all seemed really dodgy to me, and I'm like, it doesn't sound like I have anything to gain from this at all and that they're just trying to, you yeah. know, make you think it sounds like they're giving you lots of stuff and saving you money, but you're actually not. And, yeah, I I can't really see any benefit to me at all other than, you know, they're less likely to pay me as much money as as I would need if it happened. It's just gonna save them money, and I'm gonna be going to if something happened, I'll be going to specialist. Like, every year, he'd be trying to save those better, and you got the stress of seeing their specialist every year.","start_word":1428,"end_word":1560,"sentiment":"negative","sentiment_score":-0.5580352544784546},{"text":"Yep.","start_word":1561,"end_word":1561,"sentiment":"neutral","sentiment_score":-0.23207902908325195},{"text":"And then what that would do to you financially depending on what they say, it's just a recurring headache.","start_word":1562,"end_word":1580,"sentiment":"negative","sentiment_score":-0.4530328512191773},{"text":"Yeah. We ended up going to a seminar with Brighter Super and Tal, and it was a group of advisers, about 30 of us in attendance. They presented this new product to the room, and we grilled them on the exact same thing, and they didn't Yeah. really have any answers for it. The I guess the the one really good benefit of Tal compared to other insurers is they have the lowest consistent premium increases in the industry. That's their main calling card is you get cheaper cover that stays cheaper longer than the other Yeah. providers. Everything Yeah.","start_word":1581,"end_word":1680,"sentiment":"neutral","sentiment_score":0.05054005980491638},{"text":"else, they kind of lack a few features here and there compared to other products. So maintaining it's great, but the new product, I'm not really sold on in unless it's very niche circumstances.","start_word":1681,"end_word":1714,"sentiment":"negative","sentiment_score":-0.4411027431488037},{"text":"And I also wonder whether they could then say that it's almost, like, become a new premium. So then say you get a new condition. Like, say with my ex, he'd had the same premium for twenty years. But when his wife divorced him, he started drinking and got a problem with that. Right? But he changed companies and policies a year before. He'd had Right. the same thing for, like, fifteen years, and the issue was and he paid premiums, like, was paying $20.25 grand a year between income protection and TPD and life. And so he paid millions and for, like, twenty years, twenty five years. And they basically said, like because it was a he changed policies. It was a new policy, and therefore, they said, well, we think that you had a drinking problem before you started with our policy. So that was Yeah. one of the things I tried to get off. And I just wonder, like, even with this, could they claim that this is a new policy or a new kind of thing? Even though you had your previous one, it's kind of a new like, I just wonder if they'll try and use that as well down the track as well. That's actually exactly how it works as you go through new underwriting, and the medical gets checked again. So I did do some fun quotes where I thought, oh, this will actually lower the the entry for you to get, like, an occupation that we were looking for by a Yep. considerable amount, but then you wouldn't be able to claim those conditions under Yeah. that Like, definition my thumbs anyway, and stuff which is like why that and they've on my PPO. Yep. yep. That's what So you I was get wondering the exclusion about. on the thumbs. And then on top of that, mental health conditions and everything would be carved away from the own occupation definition Yeah. as well.","start_word":1715,"end_word":2045,"sentiment":"neutral","sentiment_score":-0.14127233624458313},{"text":"So That's it's what a I it's thought a double I'd do. negative. I thought they'd kind of call it a new a new policy and do all that, you know.","start_word":2046,"end_word":2076,"sentiment":"negative","sentiment_score":-0.5005501508712769},{"text":"So it's not like we've got a policy, so we'll just roll it over and add this. That's what I thought.","start_word":2077,"end_word":2097,"sentiment":"neutral","sentiment_score":-0.15098075568675995},{"text":"They'd do a whole new review, which is what I really don't wanna have.","start_word":2098,"end_word":2111,"sentiment":"negative","sentiment_score":-0.5178247094154358},{"text":"Yeah. They basically sold it as if you've got someone who's 30 year old, white collar, who generally deals with mental health stress, that they can get this really nice cheap product that can continuously pay them out lump sums every now and then for those areas, which is the the highest risk in white collar is the mental health side of things, and use that savings of premiums to build wealth elsewhere. That's pretty Yeah. much the niche.","start_word":2112,"end_word":2190,"sentiment":"neutral","sentiment_score":-0.10228440165519714},{"text":"Anyone outside of that, not really suitable. Yeah. I'm pretty old too old for that, I think, now.","start_word":2191,"end_word":2208,"sentiment":"negative","sentiment_score":-0.5136041045188904},{"text":"And I did wanna say too that when the insurers have really bad automated emails when it comes to you know, your premium is due, so you I'll ask this even though it's about to come out of super. And I saw on the letter that they said you don't have TPD insurance, and I thought, oh, jeez. The fact that you've got two policies and they sent you this one saying, this is a new TPD support option. Whilst you don't currently have TPD insurance on this policy, we're required to send this notice to you as an advertisement. I just wanna let you know you do have the TPD still. It's just on the other policy. Yeah. Yeah. Yeah. Yeah. Yeah.","start_word":2209,"end_word":2331,"sentiment":"neutral","sentiment_score":-0.16549240052700043},{"text":"Oh, that's good.","start_word":2332,"end_word":2334,"sentiment":"positive","sentiment_score":0.3741404414176941},{"text":"Yeah. Yeah. I got it because then yeah. And then I got it again on on the other policy, and and it set the wording with slightly different. So that's initially, Yeah. I just look at it and go, oh, what? Yeah. I thought that was weird. Most of Are their you letters just panic. yeah. So basically, just leave it as it is. Don't touch it because otherwise, we've got the whole thumb issue and all that kind of thing as well. Correct. Right. Yeah. Yep. Are you able to do my quick financial review thing so I don't have to book a whole appointment or not or Let me Let's see see. because we've got Because time all my frame. risk strategy and stuff's gonna be the same. I don't feel that I need to go back through that. But Yeah. Let me have a look at your account. So if you just bear with me for a moment, I'm gonna Yep. just log in to the old super. Two factor authentication, always lovely. I hope we can get away from all this soon. The old email password, thumbprint, two factor, text card. It gets No.","start_word":2335,"end_word":2532,"sentiment":"neutral","sentiment_score":-0.0776217259240873},{"text":"a It's bit getting excessive. worse.","start_word":2533,"end_word":2538,"sentiment":"negative","sentiment_score":-0.45741939544677734},{"text":"Like, I've tried to airdrop things to some of my clients, and, you know, now with airdrop, even you gotta do two factor authentication, they have to get a code on their phone, and I'll have to put it into my iPhone and everything just to airdrop something from iPhone to iPhone now. Oh, jeez. Yeah. The last Here we three go. airdrops I've done, it's made me put a code in from their phone. Oh, no. So if I was airdropping and we weren't in the same room, and you weren't very good with your phone, I'd have to kinda, you know, talk you through it. I think at this point, it's probably coming closer to the stage where everyone's just gonna do things in person at some point because it's just getting too difficult over Yeah. digital, and there's Yep.","start_word":2539,"end_word":2680,"sentiment":"neutral","sentiment_score":-0.2306044399738312},{"text":"so much, you know, spam online.","start_word":2681,"end_word":2686,"sentiment":"negative","sentiment_score":-0.46604591608047485},{"text":"I'm just grabbing up your fax lines just to cook up that couple of details even though I did that recently. Yeah. We've got the the reference date on Hub '24 is around about now. Mhmm. So that lines up pretty well. I just won't have the, like, document pack to send through to you until we generate it after the call. Mhmm. Yep. Yeah. I Okay. just think I've got an email saying you're due for your spring review or something. Yeah. Yep. So Hub twenty four account, look at the current balance. I'm just generating some performance reports as well. So we got $2,134.23.","start_word":2687,"end_word":2792,"sentiment":"neutral","sentiment_score":-0.04820149209139482},{"text":"Pretty good progress on your account.","start_word":2793,"end_word":2798,"sentiment":"positive","sentiment_score":0.6709873676300049},{"text":"Obviously, the market's kind of gone a bit topsy-turvy lately. We went from one ninety five March, the market dropped to $1.88, and now you're back up to $2.13. Cool.","start_word":2799,"end_word":2828,"sentiment":"neutral","sentiment_score":-0.08833147585391998},{"text":"So it's bounced back pretty well. All the investments have grown very well except for one.","start_word":2829,"end_word":2844,"sentiment":"positive","sentiment_score":0.4835417568683624},{"text":"I'm just gonna pull this one up. Do you usually log in to the hub at all and and keep an eye on it? Or No. I get information when when there's trades made and stuff like that. yep. So the two things that I can see, so all the investment options you've got, you're kind of in that growth profile where it's not high risk. It's the one below that. It's kind of like 80% shares property and gold rather than 90 to a 100. You've Mhmm. got most of the shares here, agriculture, cybersecurity, gold all up double digits, $1,119.23. One thing I'll probably have to change on the super is you've got some term deposits. There's a specific type of a term deposit that's being phased out next year, and Mhmm. I've got an option I can switch in for that one, which is all good. You've got one option, Bennelong, that's going down a bit, probably a bit quicker than the rest of the market has Australian shares options. I'm gonna have to probably switch that one out as well. Mhmm. Overall, the growth profile idea, again, hitting that consistent sort of eight to 9% returns, scaling it back when you're closer to retirement. Are you still kind of comfortable with that, you know, go for growth but not high risk? Yeah. I think so.","start_word":2845,"end_word":3073,"sentiment":"neutral","sentiment_score":0.05732708051800728},{"text":"We've got so it's still positive for the year, about 6% after fees even though we've had that double drop, which is good.","start_word":3074,"end_word":3096,"sentiment":"positive","sentiment_score":0.4036566019058227},{"text":"And then we've got the contributions.","start_word":3097,"end_word":3102,"sentiment":"neutral","sentiment_score":0.27768659591674805},{"text":"Physio Fusion PTY LTD is coming in nice and consistent.","start_word":3103,"end_word":3112,"sentiment":"positive","sentiment_score":0.430609792470932},{"text":"They've switched you to $501.12 each time. Do you know what's going on in terms of the sort of payroll system for the contributions at all? Yeah. So what's happened is because now the government's made done a made is making us because it's just I'm including my company, so I send it in. Every time you do a pay, which is every fortnight, you have to do your super at the same Yeah. time. So every time one That's of my what pay I thought thing it was. go Yeah. through so, basically, it'll be every two weeks, there'll be a payment now. Oh, but I went overseas. So because I was overseas for three weeks, I said to Oh, my you missed a couple. so I paid in about. So that's why there would have been a heap in advance because I got my payroll lady to do all of them and work it out because I have to give her the zero code so she gets it taken Yeah. out of my bank account. And so the problem is she was going on holidays, and I was gonna be away for, like, four weeks. And I'm like, well, how are you supposed to do this stupid stuff when I'm not gonna be in the country? And then, you know, Yeah. I won't be able to get a netback notification. I won't be able to give you because I won't be on my Australian mobile. I won't be able to give you the zero code. So how are you gonna do it? And she goes, well, I'll do all your pays early. And I said, well, I'll pay myself for those weeks before I leave. And then she said, I'll do them early, and then you just send me the verification code. She said you can pay them early. So yeah. So that's why there was a heap going through because I went away, but now it'll be every two weeks. It'll go in. But, Oh, perfect.","start_word":3113,"end_word":3451,"sentiment":"neutral","sentiment_score":-0.0514923632144928},{"text":"yeah, it's really annoying I saw when you the frequency go away.","start_word":3452,"end_word":3463,"sentiment":"negative","sentiment_score":-0.5508444309234619},{"text":"switch, but it was four on the one day, and I thought, oh, Yeah. okay. Yeah. That's because I On was going the away, twelfth. so I have to do it all Yep. early. But now I'll be up to date as of it'll be every fortnight now. Yeah. So working that back, would you say the income's kind of set to that 180,000 per year then? At the moment. Yeah. Yep. Right. Yeah. I think we already had it between 108 to 112. We've got the fortnightly income coming out, which you were looking to possibly increase a little bit. Mortgage details updated, $4.30 and a mill on the property. We've got the car updated as well and the health side of things. So no real changes to the assets or liabilities since we last spoke. Cool. No. Do you think And with the profile, do you think at my age or is it common to be with my age to have a little bit more risk? Like like, can you do 85% risk kind of thing, like, at this age? Like, until I get to 60? Like, do more do more people get more conservative as they get older, like, to 60, or what do Yeah. a lot of people Absolutely. tend to get? So the time frames wise, growth is kind of good for eight years and above, and high growth is kind of nine to ten years or above.","start_word":3464,"end_word":3706,"sentiment":"neutral","sentiment_score":0.008093913825451101},{"text":"So if we were gonna call it quits at 60 on the dot, you're kind of on the cusp of not really having the time to swing into high growth.","start_word":3707,"end_word":3736,"sentiment":"negative","sentiment_score":-0.3434952199459076},{"text":"You'd you'd caught sequencing risk where the market crashes, and you don't have enough time for it to build back up to where it needs Yep. to get the returns. The Well, I'm 51 now, so the I'm I'm pretty sure I'll probably be working till 65. yeah. So a bit of time there. The I guess the the trade off that I would do is three things. You don't have to decide it today, but this is just kind of the options for you, is you either take on more risk to get a higher return. You put more contributions in to get, like, a safer trajectory. But I'm also gonna do a bit of an engine tune up on the super and two options on switching anyway, and that'll Yep. bump things up as well. So Is it maybe is it maybe that, like, can I go to, like, 85? So at the moment, I'm on 80% risk and 20% stable, is it? yeah. So it fluctuates a little bit. It bounces between 80 to 85 at the moment. And if we tick it up a a category, you basically go Right. between 90 to 95. Oh, you can't do, like, an 85 kind of to 90? Yeah. Because it it kind of moves that way already, and I think it would be sitting at, like, 83 if I was to kind of analyze Right.","start_word":3737,"end_word":3973,"sentiment":"neutral","sentiment_score":-0.019723374773807163},{"text":"Because I'm totally happy to go up to, like, 85 kind of thing.","start_word":3974,"end_word":3986,"sentiment":"positive","sentiment_score":0.589728057384491},{"text":"So I guess if you're it. making investments, I guess, you know, and it's a bit do I don't know? I mean, probably up to the 85 is probably okay, I think. Yep. Absolutely. I probably wouldn't go much Yeah. 90 to 95 sounds like, 90 higher five sounds a bit scary to me, than but, like, 85 sounds okay. Like yeah. that. So maybe more on that higher end of the 80 Yeah. to 85, but more like 85 kind of thing. It's probably better. What I'll do is when I update the plan, I'll do the comparison of switching those two options out and what that looks like, and then I'll check out other portfolios, which might be a few percent more aggressive and see if they look pretty good in terms of fees and performance. Yeah. Yeah. So I'm I'm happy to go slightly more aggressive, but $90.90 to 95 sounds a bit. But, yeah, 85 to, you know, 85, 87 to, you know, Yep. 85 to 90, but but, you know, 90 if it seems pretty good, but but, yeah, 90 to 95 sounds a bit much. I'll So have a look at those two. And the two other things that I'll kinda check is for the replacement options, whether it's new portfolio or the same one that I switch out, we can kind of go, like, a like for like replacement of that that option where it's actively managed. You pay a bit more to try and get higher returns, or we can go for, like, the lower fee index funds and switch one of those in. Do you have a kind of lean between the two between fees and performance, like a a No. gut feeling there? Whatever you think.","start_word":3987,"end_word":4282,"sentiment":"neutral","sentiment_score":0.07167346253865273},{"text":"Cool. I will go for the best recommendation I can, and I'll try and keep it a little bit higher than what it is without going too crazy on the risk.","start_word":4283,"end_word":4313,"sentiment":"positive","sentiment_score":0.3606548905372619},{"text":"One thing I'm going to consider if you're comfortable with this, and this is not me, like, trying to sell anything, but we do have an 85% SMA. And what it is is it's called a separately managed account where Oakview puts a bubble around the portfolio, and it actually aims for 85%. It basically Yeah. means that we can chop and change investments throughout the year without having to update the plan, but it is actually built by Mhmm. us in conjunction with BlackRock. I'm not sure how it compares to your portfolio until I run the numbers, but I'm gonna consider that one if you're comfortable with that. Yeah. Yeah. Yeah.","start_word":4314,"end_word":4426,"sentiment":"neutral","sentiment_score":0.11291173845529556},{"text":"That sounds good. Yeah. Cool. Just makes things a bit more fluid.","start_word":4427,"end_word":4438,"sentiment":"positive","sentiment_score":0.39772629737854},{"text":"Like, if the world's going too crazy, we don't have to kind of chase you up to say, hey. I wanna switch this one option out. They'll just do that automatically once the investment Yep. committee meets. Yep. Yeah. Yeah. No. That sounds So good. Sounds like I'll a do plan. a three way comparison there. I'll just base it on the contributions that are currently coming in. Do you want me to add any additionals in there or just the the current amount? No. They'll probably be the same amount. The 500 and whatever it is, it'll be pretty much the same the whole time. I think I just gave myself a pay rise. I just got a pay rise of, like, $5 a week, so I don't think that's really gonna make any difference Yep.","start_word":4439,"end_word":4575,"sentiment":"neutral","sentiment_score":0.10348611838952468},{"text":"Perfect. to the super contribution. We've still got the legal personal representative nomination for the beneficiary in place.","start_word":4576,"end_word":4593,"sentiment":"positive","sentiment_score":0.4665675759315491},{"text":"So Yep.","start_word":4594,"end_word":4595,"sentiment":"neutral","sentiment_score":0.29525136947631836},{"text":"aiming things towards the will and the power of attorney. So that's all good.","start_word":4596,"end_word":4609,"sentiment":"positive","sentiment_score":0.49143165349960327},{"text":"Last couple of things I'll double check Yep. too. So insurances and goals wise, what's kind of the main focus for you for the next twelve months or so? Just yeah. Just to I just had a holiday, but just to kind of keep busy and just keep, yeah, keep things stable. We've gone through about six secretaries at the moment. Like, we've had new people take over like a company, and so I've just been running the figures because I'm a contractor that between that and being an employee kind of thing. But I need to tell them what figure I would need so that I can not just my salary, but my salary and pay my bills, like my car and my all of that. So because when there's no secretary, it makes it hard for me to stay busy as a physio because there's no one on reception answering the phone and booking people in because the secretary decides that she's not coming in, and then we don't have a secretary. And then one of the other people have to work, and they've got to call people in and, like like, it's happened six times in the last few months. Yeah. So, like, really Wow. badly. But yeah. So to the point where I mean, I'm not rocking the boat because down the track so they potentially is transition while it's been on the phone to my account. They're kinda kinda going, you know, Mhmm. what figure? Like, this is what I need to take in, plus I have to be able to pay the car, plus the petrol, plus the phone, plus all the other things that the company is paying to eventually if because if I start losing money, then I'm gonna have to say to them, this is what I need. You know, I do have a thirty year patient base. I do have Pilates clients. So in I'm maybe I might need to become an employee and then have them pay me that and guarantee me that, in which case if they don't keep me busy from them because Okay.","start_word":4610,"end_word":4966,"sentiment":"neutral","sentiment_score":-0.08393586798458874},{"text":"of the destabilization of the front desk.","start_word":4967,"end_word":4973,"sentiment":"negative","sentiment_score":-0.6207076907157898},{"text":"So, yeah, it's a bit going, but I can't really make any other moves or change things. So either I'm gonna keep things as, like, or things go backwards. I'm gonna have to say to them, look, you know, I really need stability and you guys aren't giving me that. So I need to basically become an employee in a this much amount of money. I think we worked out to be a $178, and I could take it to cover everything. Okay. Because I thought that's if I get another job, like, before before tax and before super and all that. I mean, like, that's, sorry, growth is what that have to do in that pay me. But, I mean, my company probably gives them that much anyway. Yeah. But if they get a percentage, like, they get 40%, I get 60% of of taking.","start_word":4974,"end_word":5119,"sentiment":"neutral","sentiment_score":-0.10168037563562392},{"text":"But the problem is if I'm not taking that much money because they're not keeping me busy because there's no one answering the phone, then I'm gonna need them to kinda guarantee my income as an employee so that I can keep paying the bills.","start_word":5120,"end_word":5164,"sentiment":"negative","sentiment_score":-0.41228923201560974},{"text":"But it's gonna be a high thing, so they've gotta convince them to pay So you've gotta pretty much keep everything personal, financial wise stable. Let that. the Yeah. business kind of focus in on what it's doing currently, let it play out, and then Yeah. look at the rises after that. Yeah. Yeah.","start_word":5165,"end_word":5218,"sentiment":"neutral","sentiment_score":-0.03917983919382095},{"text":"Because, I mean, like, if I get another job somewhere else, they're not gonna pay me that.","start_word":5219,"end_word":5235,"sentiment":"negative","sentiment_score":-0.4886307120323181},{"text":"Yep.","start_word":5236,"end_word":5236,"sentiment":"neutral","sentiment_score":-0.2461969554424286},{"text":"And I'm not gonna be able to take my Pilates people and stuff like that. Or I open my if I open a business myself, it's very unstable.","start_word":5237,"end_word":5264,"sentiment":"negative","sentiment_score":-0.5250561237335205},{"text":"So I'm better off to work with them and kind of go, well, I have a thirty year patient base and have Pilates clients who come in and, you know but I also need to survive and you guys aren't giving me enough stability at the front desk to keep me busy. I mean, I am at the moment, but Yeah. if this keeps happening, you know, it's it's hard to get new patients in, and every time there's a new secretary, you gotta train them and stuff. So yeah. Yep. It's been And then you've at least still got six the mortgage and the travel and everything, so plenty of plenty of things to focus on. yeah. So that is where if I was an employee, then that figure would include, you know, out of that money, then that would include, like, for them because I'd be paying the holiday pay, loading, Mhmm. super, all of that. So I'd still end up with the same amount of money in my hand because those that figure is then covering all the other stuff that the company would normally pay. Right. But they're they're paying the company about that anyway. We're it's like 7,000 6,800 or something a fortnight. And I think it's 6 let me set. I have to work it. No. I've gotta work it out. But, yeah, they're paying at the moment, I can tell myself 3,003 thousand 200 a fortnight, but they're paying me, at the moment, about 6,500 a fortnight. So Right. I might have to take in about $6.08, but they're paying 6,500. But I'm also paying them GST on their services, their admin services, which then I claim back. So, really, they're probably paying me paying the company about 6 about $6.08, and that's about what I need them to pay me a fortnight. So I've gotta basically put it to them down the track if I decide to go down that path that it's gonna be about the same as in what they're paying as long as I stay reasonably busy, which is kind of their job a little bit. To keep it coming So through the door and and, again, yeah. keep the reception going so you can focus on the clients. Yeah. Yeah. Are you still So focusing kind of cash flow neutral where whatever's sort of being drawn out is just being used rather than pulling off to the side? it's slightly cash flow positive now, but then I've I've taken a couple of bonuses and stuff like that, and then I kinda took those without paying super because I just wanted to take the bonus and not have to pay double the amount. So my payroll lady just worked out just because before I went on a holiday and stuff, so she worked it out that I paid. Well, because at one stage, it was really quiet because we were up before this company took over, we were over serviced by thirty three hours. And so the problem was that I was, you know, they put a new person on and get them all the new patients, and I'm getting none to the point where I had to lend the company $20,000. So then and that's a director's loan, No. and Why? then the company made more money, and I and then paid me back. But now, like, it's going okay. It's it's slightly positive.","start_word":5265,"end_word":5840,"sentiment":"neutral","sentiment_score":-0.03346031576317424},{"text":"But, again, if then I start to go quiet again, then it could be a problem.","start_word":5841,"end_word":5856,"sentiment":"negative","sentiment_score":-0.33882012963294983},{"text":"So I've kind of had to train every new secretary and say, listen, I'm a contract to their employees. You can't just fill up the new employee and give me nothing or else I can't fill up. They still Yeah. get paid. Because you're working on contractor getting the actual income in, and you're deviating your time towards training the employees. Yeah. Yeah. Like, six times. Jeez. Yeah. So it's yeah. I'm just trying hopefully, we can get a bit of stability there. So yeah. So, anyway, I was talking draw the figures with my accountant because down the track, I'll have to you know, it's still easier to manipulate the people that I've got and actually say to them, look, in the long run, what you'll pay my company is about, you know, 6,500 on average a fortnight. And what I'll need is about 6,800, but you're paying $6.05 plus the GST. Right? Because it because you're paying $6.05, and then and then I'm also giving you the GST. So you're basically paying about $7.01 if I didn't permit the GST. So if you just pay me that directly or, you know, work that out to be the gross and then, you know, minus super and POID and all that, then your net effect will be about the same, but I get stability. That's Yeah. how I'm gonna put it to them anyway. And Oh, then they can jeez. have a look at my figures and see what they think if, Do you know, you think that's that'll my plan finish then. off by the end of the year, or is that, like, a next year kind of thing? Well, my plan my I I don't wanna have to do it. Like, I just hope I stay busy and don't have to do it. But the point is if push comes to shove and things start going backwards and then my bank account starts going backwards, then I'll have to do that. Yeah. But then Yeah. my accountant No said choice. and then my accountant said with my car and all that, because we talked about it and we could roll it over and then I'd have to, like, sell it. And then I'd have to, you know, pay, like, stamp duty and claims it back and all that. So then the bookkeeping accounts are better just to leave the car in the company name, and then me pay the company. So I still got my online video and stuff. So me pay the company. Like like, it's a thousand dollars a month for the car, so me just transfer $500 a pay from me to the car, which is a directed loan to the company, then the company is still actually trading. So, therefore, we can't actually get the company to pay you back any money.","start_word":5857,"end_word":6334,"sentiment":"neutral","sentiment_score":-0.082921071617112},{"text":"But he said it's also gonna be difficult at that time if you start doing that to get any money out of the company because the company is not really trading and making anything.","start_word":6335,"end_word":6368,"sentiment":"negative","sentiment_score":-0.4878828227519989},{"text":"So Yeah. so I said, so basically, if I make this transition, I'll have to pull all the money out of the company in bonuses before I do it. And he goes, yeah. It's easy to take dividends out of the company now. But, I mean, I don't really have to wanna have to make this transition if I can avoid it. But, yeah, if I do, he said, you need to kind of do some bonus payments and get the money out of there before you do it or I thought it'd be difficult to get it out if it's not really trading. Yeah. Absolutely. So So if things go backwards, you've gotta kind of jump on it pretty quickly. yeah. So that's what I mean. So, obviously, like, it'd be fine, and it'd be a little while. But yeah. So I know what I need to do and how much I need to earn, and I just like to have it ready to push the button If there's if I a have to. if there's a possibility of potentially going p a y g again, Yep. I was just thinking with the the income protection you've Yep. got with TAL, should we sort of keep it as is at the $763.05 a month cover if there's a possibility of your, I guess, technically, wages going Well, it wouldn't really go up with what I will ultimately be getting. up. Well, because ultimately in the hand why did you say I would get in the hand? Because I think ultimately it's gonna work out. By the time we do super and take super out and p a y g, I I don't think it's gonna be that that different, you know, because I said I'm getting 3,200 a fortnight, and that's we worked it back from that's what I want in the hand Right. kind of thing. But it will end up, yeah, being a $178. Yes. I guess the super on that's probably gonna be more than on a 112, isn't it? Yeah. And what I'm thinking for the the towel policy is they've got you insured for $1.30 of provable income. So I was wondering, Yeah. do we trim it back down, but then if you try to increase it again, you have to go through underwriting? Do we leave that there as a buffer for if the wages go above $1.12 gross? Yeah. Yeah. And probably better too. Yep. K. What about the life insurance and disability? There's 950,000 of those. I'm gonna just keep that because I don't want the premiums to go up anymore. So, look, if Yep.","start_word":6369,"end_word":6812,"sentiment":"neutral","sentiment_score":0.00747119209641037},{"text":"I'm dead, then I'm I don't have any kids or whatever.","start_word":6813,"end_word":6823,"sentiment":"negative","sentiment_score":-0.3482194244861603},{"text":"So, you know, if I'm dead, then I don't really think it matters. The life insurance. I don't know. My parents are my beneficiaries or my cousins. So, you know, I'm really gonna be more than enough for them. Like we talked about, it's the TPD is probably the big one for you. The life insurance is keeping it cheaper. That Well, clears the house, the mortgage, I owe 430. another half mil. So, you know, that'll cover that. So I then own the house, I guess. So yeah. So I think And then that'll with be the alright. With super this and call. the insurance, you'd have 700,000 left over, a little bit of tax off of that, maybe renovate if you need to for wheelchair access, and then you've got that money to live off up until retirement. Yeah. Yeah. Well, I'm an only child too. So when my parents die, like, their house is worth a couple of million, so I get all of that too. So yeah. So I Cool.","start_word":6824,"end_word":6997,"sentiment":"neutral","sentiment_score":0.08498924225568771},{"text":"think that'll be fine.","start_word":6998,"end_word":7001,"sentiment":"positive","sentiment_score":0.38630974292755127},{"text":"So because it's the September 23 and the next premiums are on the November 1, I'll leave it as it is. It'll pay it for twelve months. If we make any changes to it next year, again, they do refunds pro rata if we do something halfway through the Yeah. Yeah. Because yeah. Because it would just be that we'd if we made a change, that would probably just be upping a 138 or whatever to a 130 to a 170 year. eight, wouldn't it? Yeah.","start_word":7002,"end_word":7087,"sentiment":"neutral","sentiment_score":0.14742381844756214},{"text":"Pretty much.","start_word":7088,"end_word":7089,"sentiment":"positive","sentiment_score":0.4648544192314148},{"text":"And then we'd play around with the levers in terms of the benefit period and whatnot, just try and keep the premiums good. Well, see, the the point is I would have sick pay if something happens. So I'd get sick pay for well, you know, I don't know, probably only a few days and potentially holiday pay if something happens. So probably at least get a couple of weeks of that, maybe. So what we do then is instead of that four week waiting period, if we increase the cover later, we can kick that out to sixty or ninety days, and that'll drop the premium significantly just to make Yeah. sure that as you go through the fifties because, again, this is gonna jump up even though towel's the best at keeping it low. The fifties is where it gets a bit like a hockey stick, and it's, like, you know, 1,000 this year and then 2,000 next year, another 3,000 the year after. So Yeah. I need to sort of balance it with your income need and then the levers I've got to keep the premiums lower. Yep. Yep. Yep. Yeah. That maybe forty five days or something like that if I was if I was on the higher salary because that 45, yeah, with the higher salary. I mean, if I was on the highest salary, like I said, I'd probably get I don't know how much sick pay they'd give me, like, maybe five days or a week or something. Or I guess you accrue sick leave. So Yes. so, yeah, Yeah. that'd probably give me an extra few days to week or something. Sorry. So when I go through this updated plan just to tweak the super a little bit, do you want me to put in for a catch up in, say, six months time just to see if that has occurred and changed to look at alterations or just leave Yeah. it for the annual review? And then Yeah. what would Because you prefer? you better remind yeah. Because you better remind me about that because if it happens, it'll it'll mean it'll be pretty full on, like, just having to work out the car, change everything. So I'll probably forget to ring you about that if Yep. it happens No.","start_word":7090,"end_word":7478,"sentiment":"neutral","sentiment_score":0.032832842626654396},{"text":"because That's I'll fine. be not very happy, obviously.","start_word":7479,"end_word":7487,"sentiment":"negative","sentiment_score":-0.3855729103088379},{"text":"Absolutely. So we'll do the super advice now. I'll plug in for, like, a March catch up just to see how the the employment and insurances look, Yep. and then we can kind of update any goals or anything at that point too. Yep. Outside of that, anything else you can think of that we need to sort of focus on right now? No. It's probably the main one. Just trying to control what's going on here. One thing I will do as well, when I send you out the annual review pack, we've got new discounted tiered fee structure for Oakview. Which one is that? Sorry. So for us, our advice fees, Yep. we've just brought out some new tiered discounts. Uh-huh. I'll send you a financial services guide that includes a full breakdown of how the tiers work. But, essentially, everyone above 200,000, there's a percentage discount and another one after 500,000, but we chop it as, like, a flat fee. So rather than it floating with your balance up, it'll just be one flat fee based on the tier that you're at, and there'll be a discount applied. So if you're comfortable with that, I would get Mhmm. Michelle to put in place just an updated structure on the new consent form, and I'll send that Mhmm. through Mhmm. with the annual review pack. Is that okay? Yep. Yep. That's fine.","start_word":7488,"end_word":7721,"sentiment":"neutral","sentiment_score":0.08102820813655853},{"text":"Cool.","start_word":7722,"end_word":7722,"sentiment":"positive","sentiment_score":0.4381114244461059},{"text":"It'll have your certificates of currency, the the hub reports, and everything. And then in a couple of weeks' time, we'll just book in to run through the updated tweaks, the investments. Mhmm.","start_word":7723,"end_word":7755,"sentiment":"neutral","sentiment_score":0.2242501676082611},{"text":"Sounds good. Awesome. Alright. Well, glad to not too bad with one stone there.","start_word":7756,"end_word":7769,"sentiment":"positive","sentiment_score":0.5790328979492188},{"text":"So we've got yeah. Definitely not the TPD support option with TOW.","start_word":7770,"end_word":7781,"sentiment":"neutral","sentiment_score":-0.19062072038650513},{"text":"We're not going for that.","start_word":7782,"end_word":7786,"sentiment":"negative","sentiment_score":-0.35615527629852295},{"text":"No. We will focus on income protection sustainability over the next couple of years, let you enjoy fixing up the employment side. Click super, and then we should be good to go from there. Alright. So, yeah, I can escape it as it is, and that I don't have to. But fingers Fingers crossed. crossed, Sally. Fingers crossed. Haven't been Alrighty. looking great the last few weeks the last few months. But yeah.","start_word":7787,"end_word":7859,"sentiment":"neutral","sentiment_score":0.17309284210205078},{"text":"Well, thank you for spending a bit of time with me. I do appreciate that when life gets crazy and busy, it's hard to kind of link up with the planner and the accountant all the time. But, again, for the forty minutes of time, really helps me being able to tackle a few options for you, and then that runs a bit smoother in the background. Yeah. Wonderful. Thank you very much. Really appreciate it. No worries at all.","start_word":7860,"end_word":7939,"sentiment":"positive","sentiment_score":0.4799874424934387},{"text":"I will talk to you in a couple of weeks.","start_word":7940,"end_word":7949,"sentiment":"neutral","sentiment_score":0.3332171142101288},{"text":"Thank you.","start_word":7950,"end_word":7951,"sentiment":"positive","sentiment_score":0.5940105319023132},{"text":"Bye.","start_word":7952,"end_word":7952,"sentiment":"neutral","sentiment_score":0.32799744606018066},{"text":"Thanks, Shelby. Bye.","start_word":7953,"end_word":7955,"sentiment":"positive","sentiment_score":0.4842074513435364}],"average":{"sentiment":"neutral","sentiment_score":-0.0648725519167311}}}}