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I know you've spoken to him recently. He actually just popped off to go have a baby real quick. Yeah. So she was born on Friday. Yes. I just wanted to touch base. So I've been basically, like, a mediatory between the two advisers that deal with both yourself and your husband. So I kind of oversee it from a licensee point of view. And with with Tommy off, I just wanted to jump on and have a quick chat. So if you're okay, obviously, chatting babe, I get it. I'm hoping my husband's doing the same thing. No. Don't don't ever apologize for the noise children make at all. Well, before I jump into cool. Before I jump into it too much, I do need to let you know our calls are recorded if that's okay. Perfect. And then I have three points of ID, just full name, date of birth, and address. Yep. No. Tommy is terrible. What's the new the the two 81 I have, but Oh, yeah. It will be then. Yes. Yeah. That's okay. So I should have that anyway. Cool. I can update that. That's fine. Perfect. So the reason for my call was there was a couple of things. So yourself you obviously met with Tommy. Your partner has met with his adviser here with the firm as well. And having a meeting. Yeah. And there was just a couple of things that our post meeting, the advisers got together and had a bit of a discussion about. Yeah. No. It was just it was just got got together and had a bit of a discussion about with respect to the joint IDPS only. Yeah. Yeah. Now I know that you have have had a decent conversation with Tommy about possibly looking at other avenues down the line. At the moment Yeah. And that's that's ultimately what we wanna do is just keep it as is. However, after, obviously, Tommy met with you and the adviser met with Penn, they got their heads together, and they were looking at just the investments and just wanting to make a very slight alteration to the investments in the account, specifically with the Bennelong asset, purely and simply just because it's a bit underperforming and a bit expensive. Yes. Cool. So so what what it's it's okay. No. I get it. I have one too. So so what I wanna do, and I've had a look at it too, is I wanna make the change. There's nothing you need to do. I just wanted to basically give you a call and give you the heads up that I wanna make the change. Ben's all down for the change too, so he's he's happy and hunky dory. Cool. And I just wanted to get you on the same page. Correct. Yep. So just wanted to get you on the same page with it. Yeah. Yep. Yeah. Well well, what what I wanna do probably moving forward is we'll probably look at having, maybe in six to twelve months time, a joint conversation with both your advisers and both of you come together and talk about the IDPS or that that investment account and what we do moving forward with it. And, like because I know that you and Tommy had a really good conversation about the investment, but, like, the child investment bonds, which I know that's what the account's put aside for. So it's what yeah. What's been decided now. Yeah. So that that's a really good avenue, and and, you know, both the advisers are both sort of on the same page. But, obviously, it does come down to what you both want and making sure that you guys are are comfortable with that situation as well. So what there's there's one other thing that I want to, I I guess, address is that currently currently, the account so both of your account holders. However, you are you're the primary contact for it. Are you comfortable if we swap the primary contact over to Ben? It doesn't negate your ownership at all, but it means if anything happens cool. It means that if anything happens, he's the one that Hub 24 contact first. Obviously, they do they reach out to us generally, but just on the the emergency side, you have to sign up on everything anyway. Yep. Perfect. No. No. No. That's absolutely okay. Alright. Well, what I'll do is first thing tomorrow morning, I'll send you out just a couple of documents. One for you just for you to sign just saying that you understand you're happy with me making the investment changes and that you are, like so so we can transfer the the contact over as well. Yeah. Perfect. Amazing. Perfect. And I just wanna double check. You're still contacted at bhclear15@gmail. Com? Hotmail dot com. Sorry. Yeah. Perfect. Alright. Well, I'll I'll send you an email through to there tomorrow, and, yeah, we'll just get all this finalized for you. Okay? Yeah. Absolutely. It's our preference. We hate printing paper. Amazing. Cool. And how did you go with, like, reading the email? I know that Tommy's email was information filled. Yeah. Yep. Yeah. Yeah. Yeah. Absolutely. Well, there's there's definitely avenues around being able to solve that. So we can we can look into them and and see what we what we do in the future anyway, and we can talk about that in six months. Perfect. It'll definitely be tomorrow. But yeah. Oh, yeah. I am, unfortunately. Yes. No. I work until the midnights, but that's okay. That's it. Alright. You go and have a great night. So enjoy that time with those kids while they're no doubt putting food all over the floor. I will I will I will update your address right now. I haven't done it while I'm on the phone just because it is getting late, and my talking and typing technique is disappearing as the day goes on. Yep. So I will update it when when we get off the phone now. You too, darling. 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Hailey. My name is Larissa from Oaktree Financial. How are you going? Good. Thank you.\n\nI'm the head of financial advice here with the team. So I work alongside Tommy. I know you've spoken to him recently. He actually just popped off to go have a baby real quick. Yeah.\n\nSo she was born on Friday. Yes. I just wanted to touch base. So I've been basically, like, a mediatory between the two advisers that deal with both yourself and your husband. So I kind of oversee it from a licensee point of view.\n\nAnd with with Tommy off, I just wanted to jump on and have a quick chat. So if you're okay, obviously, chatting babe, I get it. I'm hoping my husband's doing the same thing. No. Don't don't ever apologize for the noise children make at all.\n\nWell, before I jump into cool. Before I jump into it too much, I do need to let you know our calls are recorded if that's okay. Perfect. And then I have three points of ID, just full name, date of birth, and address. Yep.\n\nNo. Tommy is terrible. What's the new the the two 81 I have, but Oh, yeah. It will be then. Yes.\n\nYeah. That's okay. So I should have that anyway. Cool. I can update that.\n\nThat's fine. Perfect. So the reason for my call was there was a couple of things. So yourself you obviously met with Tommy. Your partner has met with his adviser here with the firm as well.\n\nAnd having a meeting. Yeah. And there was just a couple of things that our post meeting, the advisers got together and had a bit of a discussion about. Yeah. No.\n\nIt was just it was just got got together and had a bit of a discussion about with respect to the joint IDPS only. Yeah. Yeah. Now I know that you have have had a decent conversation with Tommy about possibly looking at other avenues down the line. At the moment Yeah.\n\nAnd that's that's ultimately what we wanna do is just keep it as is. However, after, obviously, Tommy met with you and the adviser met with Penn, they got their heads together, and they were looking at just the investments and just wanting to make a very slight alteration to the investments in the account, specifically with the Bennelong asset, purely and simply just because it's a bit underperforming and a bit expensive. Yes. Cool. So so what what it's it's okay.\n\nNo. I get it. I have one too. So so what I wanna do, and I've had a look at it too, is I wanna make the change. There's nothing you need to do.\n\nI just wanted to basically give you a call and give you the heads up that I wanna make the change. Ben's all down for the change too, so he's he's happy and hunky dory. Cool. And I just wanted to get you on the same page. Correct.\n\nYep. So just wanted to get you on the same page with it. Yeah. Yep. Yeah.\n\nWell well, what what I wanna do probably moving forward is we'll probably look at having, maybe in six to twelve months time, a joint conversation with both your advisers and both of you come together and talk about the IDPS or that that investment account and what we do moving forward with it. And, like because I know that you and Tommy had a really good conversation about the investment, but, like, the child investment bonds, which I know that's what the account's put aside for. So it's what yeah. What's been decided now. Yeah.\n\nSo that that's a really good avenue, and and, you know, both the advisers are both sort of on the same page. But, obviously, it does come down to what you both want and making sure that you guys are are comfortable with that situation as well. So what there's there's one other thing that I want to, I I guess, address is that currently currently, the account so both of your account holders. However, you are you're the primary contact for it. Are you comfortable if we swap the primary contact over to Ben?\n\nIt doesn't negate your ownership at all, but it means if anything happens cool. It means that if anything happens, he's the one that Hub 24 contact first. Obviously, they do they reach out to us generally, but just on the the emergency side, you have to sign up on everything anyway. Yep. Perfect.\n\nNo. No. No. That's absolutely okay. Alright.\n\nWell, what I'll do is first thing tomorrow morning, I'll send you out just a couple of documents. One for you just for you to sign just saying that you understand you're happy with me making the investment changes and that you are, like so so we can transfer the the contact over as well. Yeah. Perfect. Amazing.\n\nPerfect. And I just wanna double check. You're still contacted at bhclear15@gmail. Com? Hotmail dot com.\n\nSorry. Yeah. Perfect. Alright. Well, I'll I'll send you an email through to there tomorrow, and, yeah, we'll just get all this finalized for you.\n\nOkay? Yeah. Absolutely. It's our preference. We hate printing paper.\n\nAmazing. Cool. And how did you go with, like, reading the email? I know that Tommy's email was information filled. Yeah.\n\nYep. Yeah. Yeah. Yeah. Absolutely.\n\nWell, there's there's definitely avenues around being able to solve that. So we can we can look into them and and see what we what we do in the future anyway, and we can talk about that in six months. Perfect. It'll definitely be tomorrow. But yeah.\n\nOh, yeah. I am, unfortunately. Yes. No. I work until the midnights, but that's okay.\n\nThat's it. Alright. You go and have a great night. So enjoy that time with those kids while they're no doubt putting food all over the floor. I will I will I will update your address right now.\n\nI haven't done it while I'm on the phone just because it is getting late, and my talking and typing technique is disappearing as the day goes on. Yep. So I will update it when when we get off the phone now. You too, darling. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Hailey.","start":3.1999998,"end":4.16,"sentiment":"neutral","sentiment_score":0.1425241231918335},{"text":"My name is Larissa from Oaktree Financial.","start":4.16,"end":6.08,"sentiment":"neutral","sentiment_score":0.16843426866190775},{"text":"How are you going?","start":6.08,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.20546117052435875},{"text":"Good.","start":8.96,"end":9.46,"sentiment":"positive","sentiment_score":0.516745388507843},{"text":"Thank you.","start":9.5199995,"end":10.34,"sentiment":"positive","sentiment_score":0.6010774672031403}],"sentiment":"neutral","sentiment_score":0.25030207075178623,"num_words":16,"start":3.1999998,"end":10.34},{"sentences":[{"text":"I'm the head of financial advice here with the team.","start":11.28,"end":14.9,"sentiment":"neutral","sentiment_score":0.1958061471581459},{"text":"So I work alongside Tommy.","start":15.175,"end":16.455,"sentiment":"neutral","sentiment_score":0.0693738505244255},{"text":"I know you've spoken to him recently.","start":16.455,"end":18.075,"sentiment":"neutral","sentiment_score":0.04764245716588838},{"text":"He actually just popped off to go have a baby real quick.","start":19.255001,"end":21.835,"sentiment":"neutral","sentiment_score":0.12832737838228545},{"text":"Yeah.","start":25.735,"end":26.135,"sentiment":"neutral","sentiment_score":0.25761187076568604}],"sentiment":"neutral","sentiment_score":0.12674195244908332,"num_words":35,"start":11.28,"end":26.135},{"sentences":[{"text":"So she was born on Friday.","start":26.135,"end":27.755001,"sentiment":"neutral","sentiment_score":0.282299409310023},{"text":"Yes.","start":30.199999,"end":30.699999,"sentiment":"neutral","sentiment_score":0.1524777710437775},{"text":"I just wanted to touch base.","start":32.04,"end":33.98,"sentiment":"neutral","sentiment_score":0.05185255967080593},{"text":"So I've been basically, like, a mediatory between the two advisers that deal with both yourself and your husband.","start":34.92,"end":43.5,"sentiment":"neutral","sentiment_score":0.04258678128060542},{"text":"So I kind of oversee it from a licensee point of view.","start":45.475002,"end":48.935,"sentiment":"neutral","sentiment_score":0.02176655534033974}],"sentiment":"neutral","sentiment_score":0.07335766121237115,"num_words":44,"start":26.135,"end":48.935},{"sentences":[{"text":"And with with Tommy off, I just wanted to jump on and have a quick chat.","start":49.075,"end":53.175,"sentiment":"neutral","sentiment_score":0.07263046293519437},{"text":"So if you're okay, obviously, chatting babe, I get it.","start":54.435,"end":66.37,"sentiment":"neutral","sentiment_score":0.009156211279332638},{"text":"I'm hoping my husband's doing the same thing.","start":66.37,"end":68.21,"sentiment":"neutral","sentiment_score":-0.1434146547690034},{"text":"No.","start":68.21,"end":68.53,"sentiment":"neutral","sentiment_score":-0.14233769476413727},{"text":"Don't don't ever apologize for the noise children make at all.","start":68.53,"end":72.245,"sentiment":"neutral","sentiment_score":-0.23860109529711984}],"sentiment":"neutral","sentiment_score":-0.05783951003104448,"num_words":46,"start":49.075,"end":72.245},{"sentences":[{"text":"Well, before I jump into cool.","start":73.025,"end":76.725006,"sentiment":"neutral","sentiment_score":0.026817535360654194},{"text":"Before I jump into it too much, I do need to let you know our calls are recorded if that's okay.","start":77.025,"end":81.045006,"sentiment":"neutral","sentiment_score":-0.020315620649073805},{"text":"Perfect.","start":82.23,"end":82.73,"sentiment":"neutral","sentiment_score":0.2315155565738678},{"text":"And then I have three points of ID, just full name, date of birth, and address.","start":83.03,"end":88.01,"sentiment":"neutral","sentiment_score":0.0421136450022459},{"text":"Yep.","start":97.604996,"end":98.104996,"sentiment":"neutral","sentiment_score":0.00923054851591587}],"sentiment":"neutral","sentiment_score":0.014418702303535409,"num_words":45,"start":73.025,"end":98.104996},{"sentences":[{"text":"No.","start":108.26,"end":108.58,"sentiment":"negative","sentiment_score":-0.5222557783126831},{"text":"Tommy is terrible.","start":108.58,"end":109.56,"sentiment":"negative","sentiment_score":-0.5067393779754639},{"text":"What's the new the the two 81 I have, but Oh, yeah.","start":109.94,"end":121.955,"sentiment":"neutral","sentiment_score":-0.047954030140923955},{"text":"It will be then.","start":121.955,"end":122.854996,"sentiment":"neutral","sentiment_score":0.006739085074514151},{"text":"Yes.","start":124.835,"end":125.235,"sentiment":"neutral","sentiment_score":0.033165495842695236}],"sentiment":"neutral","sentiment_score":-0.12180002084711478,"num_words":21,"start":108.26,"end":125.235},{"sentences":[{"text":"Yeah.","start":125.235,"end":125.475,"sentiment":"neutral","sentiment_score":0.025401771068573},{"text":"That's okay.","start":125.475,"end":126.034996,"sentiment":"neutral","sentiment_score":0.0721624381840229},{"text":"So I should have that anyway.","start":126.034996,"end":127.335,"sentiment":"neutral","sentiment_score":0.02234171936288476},{"text":"Cool.","start":129.795,"end":130.19499,"sentiment":"neutral","sentiment_score":0.2737647294998169},{"text":"I can update that.","start":130.19499,"end":131.075,"sentiment":"neutral","sentiment_score":0.25926150009036064}],"sentiment":"neutral","sentiment_score":0.11532769239108477,"num_words":14,"start":125.235,"end":131.075},{"sentences":[{"text":"That's fine.","start":131.075,"end":131.895,"sentiment":"neutral","sentiment_score":0.28762370347976685},{"text":"Perfect.","start":134.0,"end":134.5,"sentiment":"positive","sentiment_score":0.6338136792182922},{"text":"So the reason for my call was there was a couple of things.","start":134.8,"end":137.38,"sentiment":"neutral","sentiment_score":0.027473327775414173},{"text":"So yourself you obviously met with Tommy.","start":137.52,"end":140.18,"sentiment":"neutral","sentiment_score":0.00002517524574484144},{"text":"Your partner has met with his adviser here with the firm as well.","start":140.4,"end":144.34,"sentiment":"neutral","sentiment_score":0.00856182251412135}],"sentiment":"neutral","sentiment_score":0.046602618518388934,"num_words":36,"start":131.075,"end":144.34},{"sentences":[{"text":"And having a meeting.","start":145.36,"end":147.725,"sentiment":"neutral","sentiment_score":-0.009959535207599401},{"text":"Yeah.","start":147.725,"end":148.205,"sentiment":"neutral","sentiment_score":-0.01679113879799843},{"text":"And there was just a couple of things that our post meeting, the advisers got together and had a bit of a discussion about.","start":148.205,"end":154.865,"sentiment":"neutral","sentiment_score":-0.03586396446917206},{"text":"Yeah.","start":155.485,"end":155.725,"sentiment":"neutral","sentiment_score":-0.019747132435441017},{"text":"No.","start":155.725,"end":155.965,"sentiment":"neutral","sentiment_score":-0.07604759186506271}],"sentiment":"neutral","sentiment_score":-0.03268255326416223,"num_words":31,"start":145.36,"end":155.965},{"sentences":[{"text":"It was just it was just got got together and had a bit of a discussion about with respect to the joint IDPS only.","start":155.965,"end":162.86,"sentiment":"neutral","sentiment_score":-0.04192946230371793},{"text":"Yeah.","start":164.84,"end":165.31999,"sentiment":"neutral","sentiment_score":-0.007528514601290226},{"text":"Yeah.","start":165.31999,"end":165.81999,"sentiment":"neutral","sentiment_score":-0.008135601878166199},{"text":"Now I know that you have have had a decent conversation with Tommy about possibly looking at other avenues down the line.","start":166.12,"end":173.58,"sentiment":"neutral","sentiment_score":-0.007163782180710273},{"text":"At the moment Yeah.","start":175.24501,"end":191.36,"sentiment":"neutral","sentiment_score":-0.10614397190511227}],"sentiment":"neutral","sentiment_score":-0.030849044372399267,"num_words":52,"start":155.965,"end":191.36},{"sentences":[{"text":"And that's that's ultimately what we wanna do is just keep it as is.","start":192.14,"end":195.36,"sentiment":"neutral","sentiment_score":-0.07036332280508109},{"text":"However, after, obviously, Tommy met with you and the adviser met with Penn, they got their heads together, and they were looking at just the investments and just wanting to make a very slight alteration to the investments in the account, specifically with the Bennelong asset, purely and simply just because it's a bit underperforming and a bit expensive.","start":195.5,"end":216.67,"sentiment":"neutral","sentiment_score":-0.13683920072675762},{"text":"Yes.","start":227.925,"end":228.425,"sentiment":"neutral","sentiment_score":0.010094751603901386},{"text":"Cool.","start":234.96501,"end":235.46501,"sentiment":"neutral","sentiment_score":0.24381420016288757},{"text":"So so what what it's it's okay.","start":235.52501,"end":239.225,"sentiment":"neutral","sentiment_score":0.10292898224932807}],"sentiment":"neutral","sentiment_score":-0.09858765286143596,"num_words":82,"start":192.14,"end":239.225},{"sentences":[{"text":"No.","start":243.1,"end":243.6,"sentiment":"neutral","sentiment_score":0.007544901221990585},{"text":"I get it.","start":243.82,"end":244.46,"sentiment":"neutral","sentiment_score":0.04933540212611357},{"text":"I have one too.","start":244.46,"end":245.6,"sentiment":"neutral","sentiment_score":0.039423282258212566},{"text":"So so what I wanna do, and I've had a look at it too, is I wanna make the change.","start":250.38,"end":256.285,"sentiment":"neutral","sentiment_score":0.1509270990267396},{"text":"There's nothing you need to do.","start":256.285,"end":257.485,"sentiment":"neutral","sentiment_score":0.12640861545999846}],"sentiment":"neutral","sentiment_score":0.1203011149978813,"num_words":34,"start":243.1,"end":257.485},{"sentences":[{"text":"I just wanted to basically give you a call and give you the heads up that I wanna make the change.","start":257.485,"end":261.965,"sentiment":"neutral","sentiment_score":0.28200543565409525},{"text":"Ben's all down for the change too, so he's he's happy and hunky dory.","start":261.965,"end":266.225,"sentiment":"neutral","sentiment_score":0.30909422997917446},{"text":"Cool.","start":266.99002,"end":267.49002,"sentiment":"positive","sentiment_score":0.41734081506729126},{"text":"And I just wanted to get you on the same page.","start":267.55002,"end":269.65002,"sentiment":"neutral","sentiment_score":0.20204446803439746},{"text":"Correct.","start":270.03,"end":270.53,"sentiment":"neutral","sentiment_score":0.15069930255413055}],"sentiment":"neutral","sentiment_score":0.27166588821758825,"num_words":48,"start":257.485,"end":270.53},{"sentences":[{"text":"Yep.","start":270.67,"end":271.17,"sentiment":"neutral","sentiment_score":0.11343567073345184},{"text":"So just wanted to get you on the same page with it.","start":271.31003,"end":274.21002,"sentiment":"neutral","sentiment_score":0.061029983373979725},{"text":"Yeah.","start":289.325,"end":289.825,"sentiment":"neutral","sentiment_score":0.00418240949511528},{"text":"Yep.","start":300.53,"end":301.03,"sentiment":"neutral","sentiment_score":-0.11241748183965684},{"text":"Yeah.","start":305.825,"end":306.325,"sentiment":"neutral","sentiment_score":-0.1381799727678299}],"sentiment":"neutral","sentiment_score":0.03746127663180232,"num_words":16,"start":270.67,"end":306.325},{"sentences":[{"text":"Well well, what what I wanna do probably moving forward is we'll probably look at having, maybe in six to twelve months time, a joint conversation with both your advisers and both of you come together and talk about the IDPS or that that investment account and what we do moving forward with it.","start":306.545,"end":324.19,"sentiment":"neutral","sentiment_score":0.04908106075944724},{"text":"And, like because I know that you and Tommy had a really good conversation about the investment, but, like, the child investment bonds, which I know that's what the account's put aside for.","start":325.05,"end":333.495,"sentiment":"neutral","sentiment_score":0.17139037156646902},{"text":"So it's what yeah.","start":333.495,"end":341.33502,"sentiment":"neutral","sentiment_score":0.08571458421647549},{"text":"What's been decided now.","start":341.33502,"end":342.45502,"sentiment":"neutral","sentiment_score":0.1161656454205513},{"text":"Yeah.","start":342.45502,"end":342.95502,"sentiment":"neutral","sentiment_score":0.29284343123435974}],"sentiment":"neutral","sentiment_score":0.09798566554673016,"num_words":96,"start":306.545,"end":342.95502},{"sentences":[{"text":"So that that's a really good avenue, and and, you know, both the advisers are both sort of on the same page.","start":343.62,"end":347.94,"sentiment":"positive","sentiment_score":0.5440888039090417},{"text":"But, obviously, it does come down to what you both want and making sure that you guys are are comfortable with that situation as well.","start":347.94,"end":355.16,"sentiment":"positive","sentiment_score":0.3608085483312607},{"text":"So what there's there's one other thing that I want to, I I guess, address is that currently currently, the account so both of your account holders.","start":356.565,"end":366.66498,"sentiment":"neutral","sentiment_score":0.030041273959256983},{"text":"However, you are you're the primary contact for it.","start":367.125,"end":371.35,"sentiment":"neutral","sentiment_score":0.014279293413791392},{"text":"Are you comfortable if we swap the primary contact over to Ben?","start":372.93,"end":376.29,"sentiment":"neutral","sentiment_score":0.01106231240555644}],"sentiment":"neutral","sentiment_score":0.23223729663969656,"num_words":95,"start":343.62,"end":376.29},{"sentences":[{"text":"It doesn't negate your ownership at all, but it means if anything happens cool.","start":376.29,"end":381.57,"sentiment":"neutral","sentiment_score":-0.009505170929644789},{"text":"It means that if anything happens, he's the one that Hub 24 contact first.","start":381.57,"end":385.685,"sentiment":"neutral","sentiment_score":0.1524021519081933},{"text":"Obviously, they do they reach out to us generally, but just on the the emergency side, you have to sign up on everything anyway.","start":385.685,"end":392.745,"sentiment":"neutral","sentiment_score":0.06404975180824597},{"text":"Yep.","start":394.965,"end":395.465,"sentiment":"neutral","sentiment_score":0.04908125847578049},{"text":"Perfect.","start":409.395,"end":409.895,"sentiment":"positive","sentiment_score":0.3975035846233368}],"sentiment":"neutral","sentiment_score":0.07378401148512408,"num_words":54,"start":376.29,"end":409.895},{"sentences":[{"text":"No.","start":411.875,"end":412.375,"sentiment":"neutral","sentiment_score":-0.2008661925792694},{"text":"No.","start":412.595,"end":412.75497,"sentiment":"neutral","sentiment_score":-0.2374715656042099},{"text":"No.","start":412.75497,"end":412.995,"sentiment":"neutral","sentiment_score":-0.17256352305412292},{"text":"That's absolutely okay.","start":412.995,"end":413.955,"sentiment":"neutral","sentiment_score":0.25167636573314667},{"text":"Alright.","start":413.955,"end":414.19498,"sentiment":"neutral","sentiment_score":0.011723663657903671}],"sentiment":"neutral","sentiment_score":0.02226449708853449,"num_words":7,"start":411.875,"end":414.19498},{"sentences":[{"text":"Well, what I'll do is first thing tomorrow morning, I'll send you out just a couple of documents.","start":414.19498,"end":418.35498,"sentiment":"neutral","sentiment_score":0.11697762169771725},{"text":"One for you just for you to sign just saying that you understand you're happy with me making the investment changes and that you are, like so so we can transfer the the contact over as well.","start":418.35498,"end":429.13998,"sentiment":"neutral","sentiment_score":0.1781383314849557},{"text":"Yeah.","start":429.13998,"end":429.63998,"sentiment":"neutral","sentiment_score":0.08974520862102509},{"text":"Perfect.","start":430.81998,"end":431.31998,"sentiment":"positive","sentiment_score":0.6576457023620605},{"text":"Amazing.","start":432.9,"end":433.4,"sentiment":"positive","sentiment_score":0.6259151101112366}],"sentiment":"neutral","sentiment_score":0.17362105994132057,"num_words":58,"start":414.19498,"end":433.4},{"sentences":[{"text":"Perfect.","start":447.685,"end":448.08502,"sentiment":"positive","sentiment_score":0.5227788090705872},{"text":"And I just wanna double check.","start":448.08502,"end":449.125,"sentiment":"neutral","sentiment_score":0.1242659247169892},{"text":"You're still contacted at bhclear15@gmail.","start":449.125,"end":452.64502,"sentiment":"neutral","sentiment_score":0.01796001698821783},{"text":"Com?","start":452.64502,"end":453.0,"sentiment":"neutral","sentiment_score":0.0071942685171961784},{"text":"Hotmail dot com.","start":453.08,"end":453.76,"sentiment":"neutral","sentiment_score":0.004291685414500534}],"sentiment":"neutral","sentiment_score":0.08614023544214433,"num_words":16,"start":447.685,"end":453.76},{"sentences":[{"text":"Sorry.","start":453.76,"end":454.04,"sentiment":"neutral","sentiment_score":-0.009215854108333588},{"text":"Yeah.","start":454.04,"end":454.54,"sentiment":"neutral","sentiment_score":0.0692659318447113},{"text":"Perfect.","start":457.24,"end":457.74,"sentiment":"positive","sentiment_score":0.3774653673171997},{"text":"Alright.","start":457.8,"end":458.12,"sentiment":"neutral","sentiment_score":0.20577123761177063},{"text":"Well, I'll I'll send you an email through to there tomorrow, and, yeah, we'll just get all this finalized for you.","start":458.12,"end":463.8,"sentiment":"neutral","sentiment_score":0.2180169409229642}],"sentiment":"neutral","sentiment_score":0.20886569768190383,"num_words":25,"start":453.76,"end":463.8},{"sentences":[{"text":"Okay?","start":463.8,"end":464.3,"sentiment":"neutral","sentiment_score":0.13095012307167053},{"text":"Yeah.","start":468.855,"end":469.17502,"sentiment":"neutral","sentiment_score":0.058413781225681305},{"text":"Absolutely.","start":469.17502,"end":469.67502,"sentiment":"neutral","sentiment_score":0.10480570048093796},{"text":"It's our preference.","start":469.815,"end":470.695,"sentiment":"neutral","sentiment_score":0.07136494169632594},{"text":"We hate printing paper.","start":470.695,"end":472.15503,"sentiment":"neutral","sentiment_score":-0.036567830480635166}],"sentiment":"neutral","sentiment_score":0.036199310794472694,"num_words":10,"start":463.8,"end":472.15503},{"sentences":[{"text":"Amazing.","start":476.695,"end":477.17502,"sentiment":"positive","sentiment_score":0.6078053712844849},{"text":"Cool.","start":477.17502,"end":477.415,"sentiment":"positive","sentiment_score":0.3727503418922424},{"text":"And how did you go with, like, reading the email?","start":477.415,"end":479.415,"sentiment":"neutral","sentiment_score":0.059841737523674964},{"text":"I know that Tommy's email was information filled.","start":479.415,"end":484.44998,"sentiment":"neutral","sentiment_score":0.010014463448897004},{"text":"Yeah.","start":503.245,"end":503.745,"sentiment":"neutral","sentiment_score":0.015220550820231438}],"sentiment":"neutral","sentiment_score":0.07972901651547068,"num_words":21,"start":476.695,"end":503.745},{"sentences":[{"text":"Yep.","start":505.005,"end":505.505,"sentiment":"neutral","sentiment_score":-0.01949348673224449},{"text":"Yeah.","start":517.76,"end":518.26,"sentiment":"neutral","sentiment_score":0.05734359472990036},{"text":"Yeah.","start":540.02997,"end":540.52997,"sentiment":"neutral","sentiment_score":-0.10421304404735564},{"text":"Yeah.","start":548.525,"end":549.025,"sentiment":"neutral","sentiment_score":-0.032038360834121704},{"text":"Absolutely.","start":549.965,"end":550.465,"sentiment":"neutral","sentiment_score":0.11753569543361664}],"sentiment":"neutral","sentiment_score":0.003826879709959033,"num_words":5,"start":505.005,"end":550.465},{"sentences":[{"text":"Well, there's there's definitely avenues around being able to solve that.","start":550.605,"end":554.465,"sentiment":"neutral","sentiment_score":0.0021184000440619207},{"text":"So we can we can look into them and and see what we what we do in the future anyway, and we can talk about that in six months.","start":555.72,"end":561.89996,"sentiment":"neutral","sentiment_score":0.050394117318350695},{"text":"Perfect.","start":565.72,"end":566.22,"sentiment":"positive","sentiment_score":0.6646515130996704},{"text":"It'll definitely be tomorrow.","start":573.365,"end":574.665,"sentiment":"neutral","sentiment_score":0.21664418280124664},{"text":"But yeah.","start":575.045,"end":575.945,"sentiment":"neutral","sentiment_score":0.058788854628801346}],"sentiment":"neutral","sentiment_score":0.06667101609104491,"num_words":47,"start":550.605,"end":575.945},{"sentences":[{"text":"Oh, yeah.","start":580.40497,"end":580.885,"sentiment":"neutral","sentiment_score":-0.046551354229450226},{"text":"I am, unfortunately.","start":580.885,"end":581.785,"sentiment":"neutral","sentiment_score":-0.06142211457093557},{"text":"Yes.","start":582.40497,"end":582.90497,"sentiment":"neutral","sentiment_score":0.017586834728717804},{"text":"No.","start":583.20996,"end":583.70996,"sentiment":"neutral","sentiment_score":-0.057586368173360825},{"text":"I work until the midnights, but that's okay.","start":584.17,"end":587.07,"sentiment":"neutral","sentiment_score":-0.05721503356471658}],"sentiment":"neutral","sentiment_score":-0.05167259027560552,"num_words":15,"start":580.40497,"end":587.07},{"sentences":[{"text":"That's it.","start":590.89,"end":591.70996,"sentiment":"neutral","sentiment_score":0.06707001477479935},{"text":"Alright.","start":593.20996,"end":593.52997,"sentiment":"neutral","sentiment_score":0.30936771631240845},{"text":"You go and have a great night.","start":593.52997,"end":594.81,"sentiment":"positive","sentiment_score":0.5318770791803088},{"text":"So enjoy that time with those kids while they're no doubt putting food all over the floor.","start":594.81,"end":599.305,"sentiment":"positive","sentiment_score":0.5163826276274288},{"text":"I will I will I will update your address right now.","start":607.205,"end":609.99,"sentiment":"neutral","sentiment_score":0.017507674341852016}],"sentiment":"positive","sentiment_score":0.34572990493554817,"num_words":38,"start":590.89,"end":609.99},{"sentences":[{"text":"I haven't done it while I'm on the phone just because it is getting late, and my talking and typing technique is disappearing as the day goes on.","start":609.99,"end":617.29004,"sentiment":"neutral","sentiment_score":0.006500995451850551},{"text":"Yep.","start":617.51,"end":618.01,"sentiment":"neutral","sentiment_score":0.12931868433952332},{"text":"So I will update it when when we get off the phone now.","start":618.31,"end":620.97003,"sentiment":"neutral","sentiment_score":0.08755243827517216},{"text":"You too, darling.","start":626.0629,"end":627.0429,"sentiment":"positive","sentiment_score":0.5881950457890829},{"text":"Bye.","start":627.1829,"end":627.6829,"sentiment":"positive","sentiment_score":0.34806960821151733}],"sentiment":"neutral","sentiment_score":0.07743876087276833,"num_words":46,"start":609.99,"end":627.6829}]}}]},{"alternatives":[{"transcript":"Hello? Good. Thanks. How are you? Yeah. Oh, yeah. Yeah. Yeah. Yes. I remember him saying that. Yeah. That's good. That's lovely. Mhmm. Yeah. Oh, yep. Yeah. Yeah. Yeah. That's fine. Of course. Yeah. Yeah. Just, if you hear my kids in the background, I've just given them dinner. So if they're a bit, you know, whatever, that should be fine, but, I apologize. K. But otherwise, I'm full. I'm all good. Yeah. Mhmm. Recorded? Yep. That's fine. ID? Yeah. So Hailey Clea in thirteenth of the eleventh nineteen ninety three. I did try to update the address with Tommy whenever it was two weeks ago. It it used to be 281 Church Lane Castleway. I'm hoping it changed back to what it was, which is 23 Glenel Street, Buttsland, New South Wales. He hasn't it okay. The the new one is what yeah. Yeah. So that's, yeah, it's 23. It's actually what it was before, which should be in the system anyway. It would be listed as the investment property. That's one. Yeah. Which was our previous house anyway. Yeah. Yeah. Yeah. All good. Of course. Yeah. Yeah. I remember him mentioning it. Yep. They're confused. Yeah. Yeah. Yeah. The investment account. Yeah. Yeah. Yep. Was I'm I'm assuming then he is from how he spoke to me, he really doesn't know what he wants to do with the money. But at the moment, it would just stay. It legally, anyway, has to stay as is at moment. Yes. Yep. Yep. Oh, I did yes. No. I remember in his email, he actually said that, and I actually forwarded it to Ben, but the likelihood is I don't know when Ben exactly met with the adviser and whether I had sent that email prior. Ben does know about it. Whether he's read it, I don't actually know. So oh my goodness. This is just look. I still love my husband, but it's just like okay. Yeah. Alright. Yeah. Like yep. Okay. What did you want? Yeah. You tell me what is best and what whatever. Yep. Yep. Yep. Oh, well, if he's happy for that, that's fine. Oh, yeah. Yeah. Great. So that you've actually discussed it with him. Great. Yeah. Yeah. No. No. That's yeah. Yeah. Essentially, I know it's countercultural, but I end up just trusting I know legally, I both we both have to agree. But if he says yes or no to things, I would I just follow what he says. I try to trust his best interest. So if you end up I reckon it's best in the future with anything that has to be changed or something like that again. If you guys speak to him first, would be best because then I generally would be following unless it was, like, illegal or something. But mhmm. Yeah. Yep. Yeah. Yeah. Yeah. Yeah. Well yeah. It it it's what he we'd it wasn't initially for that, but, yeah, that's what it is now. So yeah. Yep. Yeah. Yep. Mhmm. But I'm the one yeah. Mhmm. No. You can change change it to him. Yep. Yeah. Yeah. Change it to him because I'll end up calling him, whereas I will just tell him I know if it actually officially has to change, we both have to make that decision. But it's best going to him because I'll end up going to him anyway, whereas I don't care if he comes to me or not. I know it sounds weird, but, like, whatever. Yeah. Mhmm. The primary contact? Yeah. Yeah. Yeah. That's totally fine. Yeah. Yeah. Look. You shouldn't have issues with us. Well, you shouldn't have you won't have issues with me. I can't can't you know? So I so, hopefully, we'll try and make it easy anyway for all of us, but that's fine. Makes sense. All good. Yes. Yeah. It yeah. That's that's all good. Yep. Perfect. Yeah. And I'll just it will look is an esignature fine? Yes. Okay. Great. Because I'll be able to do it. Yeah. No. Fair enough. Great. Well, I'll be able to do that straight away then. That's okay. I yeah. No. I was I just read the email and had a quick glance at the documents, but and then I just sent it to Ben, and that's pretty much all that we've kind of done. We legally can't change anything until what is it called? The consent orders are finalized, so that won't be for another couple of months. So I actually think that the six around the sixth month mark from now, so towards the end of the year, I'm happy for, like, a a Zoom or a Google Meet, however you guys do it. And discussing with what we do going forward. But, ultimately, I already mentioned to them that I don't want to be the like, the finances, I don't want them in my name because I end up I'll end up in years to come paying so much tax for something I'm not actually gonna keep. It's for the kids. So and because, you know, anyway, I'm just really super low income, and I don't need to be paying as if I'm earning heaps. So yeah. Yeah. So yeah. Yep. Yep. No. That's all good. So yeah. Thank you for calling and double checking all of that, and I'll sign the stuff for you tomorrow or later tonight whenever you get that through. Tomorrow. Yeah. You go home. This is late, actually, isn't it? Are you usually out this late? Okay. That's okay. No. Okay. Alright. That's you know, I'm gonna do what works for you. Perfect. Alright. I absolutely. Absolutely. And will my address is that updated now, or should I just continue saying both until it's, like, somewhat resolved? That's okay. Don't go together? Yeah. That's fine. Yeah. Yep. No. Perfect. Alright. Thank you so much, and you have a good night. Okay? Okay. Thanks. 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Good. Thanks. How are you? Yeah.\n\nOh, yeah. Yeah. Yeah. Yes. I remember him saying that.\n\nYeah. That's good. That's lovely. Mhmm. Yeah.\n\nOh, yep. Yeah. Yeah. Yeah. That's fine.\n\nOf course. Yeah. Yeah. Just, if you hear my kids in the background, I've just given them dinner. So if they're a bit, you know, whatever, that should be fine, but, I apologize.\n\nK. But otherwise, I'm full. I'm all good. Yeah. Mhmm.\n\nRecorded? Yep. That's fine. ID? Yeah.\n\nSo Hailey Clea in thirteenth of the eleventh nineteen ninety three. I did try to update the address with Tommy whenever it was two weeks ago. It it used to be 281 Church Lane Castleway. I'm hoping it changed back to what it was, which is 23 Glenel Street, Buttsland, New South Wales. He hasn't it okay.\n\nThe the new one is what yeah. Yeah. So that's, yeah, it's 23. It's actually what it was before, which should be in the system anyway. It would be listed as the investment property.\n\nThat's one. Yeah. Which was our previous house anyway. Yeah. Yeah.\n\nYeah. All good. Of course. Yeah. Yeah.\n\nI remember him mentioning it. Yep. They're confused. Yeah. Yeah.\n\nYeah. The investment account. Yeah. Yeah. Yep.\n\nWas I'm I'm assuming then he is from how he spoke to me, he really doesn't know what he wants to do with the money. But at the moment, it would just stay. It legally, anyway, has to stay as is at moment. Yes. Yep.\n\nYep. Oh, I did yes. No. I remember in his email, he actually said that, and I actually forwarded it to Ben, but the likelihood is I don't know when Ben exactly met with the adviser and whether I had sent that email prior. Ben does know about it.\n\nWhether he's read it, I don't actually know. So oh my goodness. This is just look. I still love my husband, but it's just like okay. Yeah.\n\nAlright. Yeah. Like yep. Okay. What did you want?\n\nYeah. You tell me what is best and what whatever. Yep. Yep. Yep.\n\nOh, well, if he's happy for that, that's fine. Oh, yeah. Yeah. Great. So that you've actually discussed it with him.\n\nGreat. Yeah. Yeah. No. No.\n\nThat's yeah. Yeah. Essentially, I know it's countercultural, but I end up just trusting I know legally, I both we both have to agree. But if he says yes or no to things, I would I just follow what he says. I try to trust his best interest.\n\nSo if you end up I reckon it's best in the future with anything that has to be changed or something like that again. If you guys speak to him first, would be best because then I generally would be following unless it was, like, illegal or something. But mhmm. Yeah. Yep.\n\nYeah. Yeah. Yeah. Yeah. Well yeah.\n\nIt it it's what he we'd it wasn't initially for that, but, yeah, that's what it is now. So yeah. Yep. Yeah. Yep.\n\nMhmm. But I'm the one yeah. Mhmm. No. You can change change it to him.\n\nYep. Yeah. Yeah. Change it to him because I'll end up calling him, whereas I will just tell him I know if it actually officially has to change, we both have to make that decision. But it's best going to him because I'll end up going to him anyway, whereas I don't care if he comes to me or not.\n\nI know it sounds weird, but, like, whatever. Yeah. Mhmm. The primary contact? Yeah.\n\nYeah. Yeah. That's totally fine. Yeah. Yeah.\n\nLook. You shouldn't have issues with us. Well, you shouldn't have you won't have issues with me. I can't can't you know? So I so, hopefully, we'll try and make it easy anyway for all of us, but that's fine.\n\nMakes sense. All good. Yes. Yeah. It yeah.\n\nThat's that's all good. Yep. Perfect. Yeah. And I'll just it will look is an esignature fine?\n\nYes. Okay. Great. Because I'll be able to do it. Yeah.\n\nNo. Fair enough. Great. Well, I'll be able to do that straight away then. That's okay.\n\nI yeah. No. I was I just read the email and had a quick glance at the documents, but and then I just sent it to Ben, and that's pretty much all that we've kind of done. We legally can't change anything until what is it called? The consent orders are finalized, so that won't be for another couple of months.\n\nSo I actually think that the six around the sixth month mark from now, so towards the end of the year, I'm happy for, like, a a Zoom or a Google Meet, however you guys do it. And discussing with what we do going forward. But, ultimately, I already mentioned to them that I don't want to be the like, the finances, I don't want them in my name because I end up I'll end up in years to come paying so much tax for something I'm not actually gonna keep. It's for the kids. So and because, you know, anyway, I'm just really super low income, and I don't need to be paying as if I'm earning heaps.\n\nSo yeah. Yeah. So yeah. Yep. Yep.\n\nNo. That's all good. So yeah. Thank you for calling and double checking all of that, and I'll sign the stuff for you tomorrow or later tonight whenever you get that through. Tomorrow.\n\nYeah. You go home. This is late, actually, isn't it? Are you usually out this late? Okay.\n\nThat's okay. No. Okay. Alright. That's you know, I'm gonna do what works for you.\n\nPerfect. Alright. I absolutely. Absolutely. And will my address is that updated now, or should I just continue saying both until it's, like, somewhat resolved?\n\nThat's okay. Don't go together? Yeah. That's fine. Yeah.\n\nYep. No. Perfect. Alright. Thank you so much, and you have a good night.\n\nOkay? Okay. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.8399999,"end":2.34,"sentiment":"neutral","sentiment_score":0.0258494783192873},{"text":"Good.","start":7.2,"end":7.52,"sentiment":"positive","sentiment_score":0.5648809671401978},{"text":"Thanks.","start":7.52,"end":7.8399997,"sentiment":"positive","sentiment_score":0.5899883508682251},{"text":"How are you?","start":7.8399997,"end":8.66,"sentiment":"neutral","sentiment_score":0.31373826662699383},{"text":"Yeah.","start":15.28,"end":15.585,"sentiment":"neutral","sentiment_score":0.07905707508325577}],"sentiment":"neutral","sentiment_score":0.3144272387559925,"num_words":7,"start":1.8399999,"end":15.585},{"sentences":[{"text":"Oh, 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fine.","start":430.66,"end":432.02,"sentiment":"positive","sentiment_score":0.5201702117919922},{"text":"Yeah.","start":432.02,"end":432.41998,"sentiment":"neutral","sentiment_score":0.28772252798080444},{"text":"Yeah.","start":432.41998,"end":432.66,"sentiment":"neutral","sentiment_score":0.2567359507083893}],"sentiment":"positive","sentiment_score":0.3434329756668636,"num_words":7,"start":429.78,"end":432.66},{"sentences":[{"text":"Look.","start":432.66,"end":432.98,"sentiment":"positive","sentiment_score":0.46516621112823486},{"text":"You shouldn't have issues with us.","start":432.98,"end":434.76,"sentiment":"neutral","sentiment_score":0.24057522664467493},{"text":"Well, you shouldn't have you won't have issues with me.","start":435.78497,"end":437.705,"sentiment":"neutral","sentiment_score":0.015108973160386086},{"text":"I can't can't you know?","start":437.705,"end":439.54498,"sentiment":"neutral","sentiment_score":-0.019292811304330824},{"text":"So I so, hopefully, we'll try and make it easy anyway for all of us, but that's fine.","start":439.54498,"end":445.88498,"sentiment":"neutral","sentiment_score":0.25536809240778285}],"sentiment":"neutral","sentiment_score":0.16399672273546456,"num_words":40,"start":432.66,"end":445.88498},{"sentences":[{"text":"Makes sense.","start":445.94498,"end":446.66498,"sentiment":"neutral","sentiment_score":0.2796904146671295},{"text":"All good.","start":446.66498,"end":447.405,"sentiment":"positive","sentiment_score":0.5400844514369965},{"text":"Yes.","start":452.54,"end":453.04,"sentiment":"neutral","sentiment_score":0.01107124425470829},{"text":"Yeah.","start":453.1,"end":453.5,"sentiment":"neutral","sentiment_score":0.008715640753507614},{"text":"It yeah.","start":453.5,"end":454.54,"sentiment":"neutral","sentiment_score":0.05352005641907453}],"sentiment":"neutral","sentiment_score":0.22079709125682712,"num_words":8,"start":445.94498,"end":454.54},{"sentences":[{"text":"That's that's all good.","start":454.54,"end":456.13998,"sentiment":"positive","sentiment_score":0.34124918282032013},{"text":"Yep.","start":456.13998,"end":456.63998,"sentiment":"neutral","sentiment_score":0.1964624375104904},{"text":"Perfect.","start":464.995,"end":465.475,"sentiment":"neutral","sentiment_score":0.30417293310165405},{"text":"Yeah.","start":465.475,"end":465.715,"sentiment":"neutral","sentiment_score":0.09136828780174255},{"text":"And I'll just it will look is an esignature fine?","start":465.715,"end":468.455,"sentiment":"neutral","sentiment_score":0.08725520111620426}],"sentiment":"neutral","sentiment_score":0.16644425887395353,"num_words":17,"start":454.54,"end":468.455},{"sentences":[{"text":"Yes.","start":469.555,"end":470.055,"sentiment":"neutral","sentiment_score":0.0758734941482544},{"text":"Okay.","start":470.115,"end":470.435,"sentiment":"neutral","sentiment_score":0.03997642174363136},{"text":"Great.","start":470.435,"end":470.675,"sentiment":"neutral","sentiment_score":0.25313127040863037},{"text":"Because I'll be able to do it.","start":470.675,"end":472.355,"sentiment":"neutral","sentiment_score":0.0073962318045752385},{"text":"Yeah.","start":472.355,"end":472.855,"sentiment":"neutral","sentiment_score":0.02445577271282673}],"sentiment":"neutral","sentiment_score":0.04047368924048814,"num_words":11,"start":469.555,"end":472.855},{"sentences":[{"text":"No.","start":472.915,"end":473.235,"sentiment":"neutral","sentiment_score":-0.0007579345256090164},{"text":"Fair enough.","start":473.235,"end":473.875,"sentiment":"neutral","sentiment_score":0.09677723422646523},{"text":"Great.","start":473.875,"end":474.035,"sentiment":"positive","sentiment_score":0.35349127650260925},{"text":"Well, I'll be able to do that straight away then.","start":474.035,"end":476.135,"sentiment":"positive","sentiment_score":0.3652092903852463},{"text":"That's okay.","start":482.69,"end":483.59,"sentiment":"neutral","sentiment_score":0.051501816138625145}],"sentiment":"neutral","sentiment_score":0.26883652165997773,"num_words":16,"start":472.915,"end":483.59},{"sentences":[{"text":"I yeah.","start":483.65,"end":485.25,"sentiment":"neutral","sentiment_score":0.009301968850195408},{"text":"No.","start":485.25,"end":485.49002,"sentiment":"neutral","sentiment_score":-0.06768649816513062},{"text":"I was I just read the email and had a quick glance at the documents, but and then I just sent it to Ben, and that's pretty much all that we've kind of done.","start":485.49002,"end":497.185,"sentiment":"neutral","sentiment_score":0.014651180244982243},{"text":"We legally can't change anything until what is it called?","start":498.60498,"end":503.005,"sentiment":"neutral","sentiment_score":-0.10101844295859337},{"text":"The consent orders are finalized, so that won't be for another couple of months.","start":503.005,"end":507.91,"sentiment":"neutral","sentiment_score":-0.09237712022981473}],"sentiment":"neutral","sentiment_score":-0.03040010729407678,"num_words":61,"start":483.65,"end":507.91},{"sentences":[{"text":"So I actually think that the six around the sixth month mark from now, so towards the end of the year, I'm happy for, like, a a Zoom or a Google Meet, however you guys do it.","start":507.91,"end":517.85,"sentiment":"positive","sentiment_score":0.49001112016471654},{"text":"And discussing with what we do going forward.","start":518.275,"end":524.115,"sentiment":"neutral","sentiment_score":0.005699109984561801},{"text":"But, ultimately, I already mentioned to them that I don't want to be the like, the finances, I don't want them in my name because I end up I'll end up in years to come paying so much tax for something I'm not actually gonna keep.","start":524.115,"end":539.13,"sentiment":"neutral","sentiment_score":-0.3081078033732331},{"text":"It's for the kids.","start":539.43005,"end":540.47003,"sentiment":"neutral","sentiment_score":-0.22500984370708466},{"text":"So and because, you know, anyway, I'm just really super low income, and I don't need to be paying as if I'm earning heaps.","start":540.47003,"end":547.60504,"sentiment":"neutral","sentiment_score":-0.1867786111931006}],"sentiment":"neutral","sentiment_score":-0.011593955232440924,"num_words":119,"start":507.91,"end":547.60504},{"sentences":[{"text":"So yeah.","start":547.745,"end":549.445,"sentiment":"neutral","sentiment_score":-0.021622445434331894},{"text":"Yeah.","start":549.905,"end":550.405,"sentiment":"neutral","sentiment_score":0.06014999747276306},{"text":"So yeah.","start":550.465,"end":555.125,"sentiment":"neutral","sentiment_score":0.05146951973438263},{"text":"Yep.","start":559.745,"end":560.245,"sentiment":"neutral","sentiment_score":0.06165567040443421},{"text":"Yep.","start":561.99,"end":562.47,"sentiment":"neutral","sentiment_score":0.07237847149372101}],"sentiment":"neutral","sentiment_score":0.03626832685300282,"num_words":7,"start":547.745,"end":562.47},{"sentences":[{"text":"No.","start":562.47,"end":562.79,"sentiment":"neutral","sentiment_score":0.1082896888256073},{"text":"That's all good.","start":562.79,"end":563.91,"sentiment":"neutral","sentiment_score":0.21036492784818014},{"text":"So yeah.","start":563.91,"end":565.05,"sentiment":"neutral","sentiment_score":0.31764666736125946},{"text":"Thank you for calling and double checking all of that, and I'll sign the stuff for you tomorrow or later tonight whenever you get that through.","start":565.58997,"end":573.05,"sentiment":"positive","sentiment_score":0.42242521047592163},{"text":"Tomorrow.","start":575.48505,"end":575.965,"sentiment":"neutral","sentiment_score":0.04185669124126434}],"sentiment":"positive","sentiment_score":0.3757451506275119,"num_words":33,"start":562.47,"end":575.965},{"sentences":[{"text":"Yeah.","start":575.965,"end":576.125,"sentiment":"neutral","sentiment_score":0.02752707153558731},{"text":"You go home.","start":576.125,"end":576.68506,"sentiment":"neutral","sentiment_score":0.011981276174386343},{"text":"This is late, actually, isn't it?","start":576.68506,"end":578.68506,"sentiment":"neutral","sentiment_score":-0.03537389853348335},{"text":"Are you usually out this late?","start":578.68506,"end":580.30505,"sentiment":"neutral","sentiment_score":-0.040517995754877724},{"text":"Okay.","start":581.72504,"end":582.22504,"sentiment":"neutral","sentiment_score":-0.0011724941432476044}],"sentiment":"neutral","sentiment_score":-0.023120762342039275,"num_words":17,"start":575.965,"end":582.22504},{"sentences":[{"text":"That's okay.","start":582.92505,"end":583.66504,"sentiment":"neutral","sentiment_score":0.020955259911715984},{"text":"No.","start":586.205,"end":586.705,"sentiment":"neutral","sentiment_score":-0.092876598238945},{"text":"Okay.","start":586.84503,"end":587.34503,"sentiment":"neutral","sentiment_score":0.031311191618442535},{"text":"Alright.","start":587.405,"end":587.905,"sentiment":"neutral","sentiment_score":0.08773133158683777},{"text":"That's you know, I'm gonna do what works for you.","start":588.06995,"end":590.64996,"sentiment":"neutral","sentiment_score":0.14826301783323287}],"sentiment":"neutral","sentiment_score":0.10338044154147306,"num_words":15,"start":582.92505,"end":590.64996},{"sentences":[{"text":"Perfect.","start":592.23,"end":592.73,"sentiment":"positive","sentiment_score":0.3518112897872925},{"text":"Alright.","start":593.67,"end":594.17,"sentiment":"positive","sentiment_score":0.40208929777145386},{"text":"I absolutely.","start":597.26996,"end":599.69,"sentiment":"neutral","sentiment_score":0.2755657732486725},{"text":"Absolutely.","start":600.46497,"end":600.96497,"sentiment":"neutral","sentiment_score":0.15785595774650574},{"text":"And will my address is that updated now, or should I just continue saying both until it's, like, somewhat resolved?","start":601.505,"end":607.925,"sentiment":"neutral","sentiment_score":0.030659238062798976}],"sentiment":"neutral","sentiment_score":0.08304291412234306,"num_words":25,"start":592.23,"end":607.925},{"sentences":[{"text":"That's okay.","start":611.82495,"end":612.64496,"sentiment":"neutral","sentiment_score":0.009551982395350933},{"text":"Don't go together?","start":615.5,"end":616.72,"sentiment":"neutral","sentiment_score":-0.07134316116571426},{"text":"Yeah.","start":616.94,"end":617.33997,"sentiment":"neutral","sentiment_score":0.1946283727884293},{"text":"That's fine.","start":617.33997,"end":618.16,"sentiment":"neutral","sentiment_score":0.19984810054302216},{"text":"Yeah.","start":618.54,"end":619.04,"sentiment":"neutral","sentiment_score":0.11022530496120451}],"sentiment":"neutral","sentiment_score":0.05662492890324858,"num_words":9,"start":611.82495,"end":619.04},{"sentences":[{"text":"Yep.","start":621.01996,"end":621.5,"sentiment":"neutral","sentiment_score":0.03391983360052109},{"text":"No.","start":621.5,"end":621.82,"sentiment":"neutral","sentiment_score":-0.10076367110013962},{"text":"Perfect.","start":621.82,"end":622.32,"sentiment":"positive","sentiment_score":0.4628128111362457},{"text":"Alright.","start":622.8629,"end":623.26294,"sentiment":"positive","sentiment_score":0.48302802443504333},{"text":"Thank you so much, and you have a good night.","start":623.26294,"end":625.1829,"sentiment":"positive","sentiment_score":0.7774462997913361}],"sentiment":"positive","sentiment_score":0.6181042854275022,"num_words":14,"start":621.01996,"end":625.1829},{"sentences":[{"text":"Okay?","start":625.1829,"end":625.6829,"sentiment":"positive","sentiment_score":0.47541558742523193},{"text":"Okay.","start":627.26294,"end":627.5029,"sentiment":"neutral","sentiment_score":0.24936091899871823},{"text":"Thanks.","start":627.5029,"end":627.9829,"sentiment":"positive","sentiment_score":0.602138340473175},{"text":"Bye.","start":627.9829,"end":628.4829,"sentiment":"neutral","sentiment_score":-0.09701520204544067}],"sentiment":"neutral","sentiment_score":0.30747491121292114,"num_words":4,"start":625.1829,"end":628.4829}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Hailey. My name is Larissa from Oaktree Financial. How are you going?\n\nChannel 1: Good. Thanks. How are you?\n\nChannel 0: Good. Thank you. I'm the head of financial advice here with the team. So\n\nChannel 1: Yeah.\n\nChannel 0: I work alongside Tommy. I know you've spoken to him\n\nChannel 1: Oh,\n\nChannel 0: recently.\n\nChannel 1: yeah. Yeah. Yeah.\n\nChannel 0: He actually just popped off to go have a baby real quick.\n\nChannel 1: Yes. I remember him saying that. Yeah. That's good.\n\nChannel 0: Yeah. So she was born on Friday.\n\nChannel 1: That's lovely.\n\nChannel 0: Yes.\n\nChannel 1: Mhmm.\n\nChannel 0: I just wanted to touch base.\n\nChannel 1: Yeah.\n\nChannel 0: So I've been basically, like, a mediatory between the two advisers that deal with both yourself and your husband.\n\nChannel 1: Oh, yep.\n\nChannel 0: So I kind of oversee it from a licensee\n\nChannel 1: Yeah.\n\nChannel 0: point of view.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: And\n\nChannel 1: That's\n\nChannel 0: with\n\nChannel 1: fine.\n\nChannel 0: with Tommy off, I just wanted to jump on and have a quick chat.\n\nChannel 1: Of course.\n\nChannel 0: So if you're okay, obviously, chatting\n\nChannel 1: Yeah. Yeah. Just, if you hear my kids in the background, I've just given them dinner. So if they're a bit, you know, whatever, that should be fine, but,\n\nChannel 0: babe, I get it. I'm hoping\n\nChannel 1: I\n\nChannel 0: my husband's\n\nChannel 1: apologize.\n\nChannel 0: doing the same thing. No. Don't don't ever apologize for the noise children make at all. Well,\n\nChannel 1: K.\n\nChannel 0: before\n\nChannel 1: But\n\nChannel 0: I jump\n\nChannel 1: otherwise,\n\nChannel 0: into\n\nChannel 1: I'm full. I'm all good. Yeah. Mhmm.\n\nChannel 0: cool. Before I jump into it too much, I do need to let you know our calls are recorded\n\nChannel 1: Recorded?\n\nChannel 0: if that's okay.\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Perfect. And then I have three points of ID, just\n\nChannel 1: ID?\n\nChannel 0: full name, date of birth, and address.\n\nChannel 1: Yeah. So Hailey Clea in thirteenth of the eleventh nineteen ninety three. I did try to update the address with Tommy whenever it was two weeks ago. It\n\nChannel 0: Yep.\n\nChannel 1: it used to be 281 Church Lane Castleway. I'm hoping it changed back to what it was, which is 23 Glenel Street, Buttsland, New South Wales.\n\nChannel 0: No. Tommy is terrible. What's\n\nChannel 1: He\n\nChannel 0: the\n\nChannel 1: hasn't\n\nChannel 0: new\n\nChannel 1: it\n\nChannel 0: the\n\nChannel 1: okay. The the\n\nChannel 0: the two\n\nChannel 1: new\n\nChannel 0: 81\n\nChannel 1: one is\n\nChannel 0: I\n\nChannel 1: what\n\nChannel 0: have, but\n\nChannel 1: yeah. Yeah. So that's, yeah, it's 23. It's actually what it was before, which should be in the system anyway.\n\nChannel 0: Oh, yeah.\n\nChannel 1: It would\n\nChannel 0: It will\n\nChannel 1: be listed\n\nChannel 0: be then.\n\nChannel 1: as the investment property.\n\nChannel 0: Yes.\n\nChannel 1: That's\n\nChannel 0: Yeah.\n\nChannel 1: one.\n\nChannel 0: That's okay. So\n\nChannel 1: Yeah.\n\nChannel 0: I should have that\n\nChannel 1: Which\n\nChannel 0: anyway.\n\nChannel 1: was our previous house anyway. Yeah. Yeah.\n\nChannel 0: Cool. I can update that. That's\n\nChannel 1: Yeah.\n\nChannel 0: fine.\n\nChannel 1: All good.\n\nChannel 0: Perfect. So the reason for my call was there was a couple of things. So\n\nChannel 1: Of\n\nChannel 0: yourself\n\nChannel 1: course.\n\nChannel 0: you obviously met with Tommy. Your partner has met with his adviser here with the firm as well.\n\nChannel 1: Yeah. Yeah. I remember\n\nChannel 0: And\n\nChannel 1: him mentioning it. Yep.\n\nChannel 0: having a meeting. Yeah. And there was just a couple of things that our post meeting, the advisers got together and had a bit of\n\nChannel 1: They're\n\nChannel 0: a discussion\n\nChannel 1: confused.\n\nChannel 0: about.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. No. It was just it was just got got together and had a bit of a discussion about with respect to the joint IDPS\n\nChannel 1: Yeah.\n\nChannel 0: only.\n\nChannel 1: The investment account. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Now I know that you have have had a decent conversation with Tommy about possibly looking at other avenues down the line.\n\nChannel 1: Yep.\n\nChannel 0: At\n\nChannel 1: Was\n\nChannel 0: the moment\n\nChannel 1: I'm I'm assuming then he is from how he spoke to me, he really doesn't know what he wants to do with the money. But at the moment, it would just stay. It legally, anyway, has to stay as is at moment.\n\nChannel 0: Yeah. And that's that's ultimately what we wanna do is just keep it as is. However,\n\nChannel 1: Yes.\n\nChannel 0: after,\n\nChannel 1: Yep.\n\nChannel 0: obviously, Tommy met with you and the adviser met with Penn, they got their heads together, and they were looking at just the investments and just wanting to make a very slight alteration to the investments in the account, specifically\n\nChannel 1: Yep.\n\nChannel 0: with the Bennelong asset, purely\n\nChannel 1: Oh,\n\nChannel 0: and simply\n\nChannel 1: I did\n\nChannel 0: just because it's a bit underperforming\n\nChannel 1: yes.\n\nChannel 0: and\n\nChannel 1: No.\n\nChannel 0: a bit\n\nChannel 1: I\n\nChannel 0: expensive.\n\nChannel 1: remember in his email, he actually said that, and I actually forwarded it to Ben, but the likelihood is I don't know when Ben exactly met with the adviser and whether I had sent that email prior.\n\nChannel 0: Yes.\n\nChannel 1: Ben does know about it. Whether he's read it, I don't actually know.\n\nChannel 0: Cool.\n\nChannel 1: So\n\nChannel 0: So\n\nChannel 1: oh my\n\nChannel 0: so\n\nChannel 1: goodness.\n\nChannel 0: what\n\nChannel 1: This\n\nChannel 0: what\n\nChannel 1: is just look.\n\nChannel 0: it's it's\n\nChannel 1: I still\n\nChannel 0: okay.\n\nChannel 1: love my husband, but it's just like okay. Yeah. Alright.\n\nChannel 0: No. I get it. I have one too.\n\nChannel 1: Yeah. Like yep. Okay. What did you want? Yeah.\n\nYou tell me\n\nChannel 0: So\n\nChannel 1: what is best\n\nChannel 0: so\n\nChannel 1: and what whatever. Yep.\n\nChannel 0: what I wanna do, and I've had a look at it too, is I wanna\n\nChannel 1: Yep.\n\nChannel 0: make the change. There's nothing you need to do. I just wanted to basically give you a call and\n\nChannel 1: Yep.\n\nChannel 0: give you the heads up that I wanna make the change. Ben's all down for the change too, so he's\n\nChannel 1: Oh,\n\nChannel 0: he's\n\nChannel 1: well, if\n\nChannel 0: happy\n\nChannel 1: he's\n\nChannel 0: and\n\nChannel 1: happy\n\nChannel 0: hunky\n\nChannel 1: for that,\n\nChannel 0: dory.\n\nChannel 1: that's fine. Oh, yeah. Yeah.\n\nChannel 0: Cool.\n\nChannel 1: Great.\n\nChannel 0: And\n\nChannel 1: So\n\nChannel 0: I\n\nChannel 1: that\n\nChannel 0: just\n\nChannel 1: you've\n\nChannel 0: wanted to get\n\nChannel 1: actually\n\nChannel 0: you\n\nChannel 1: discussed\n\nChannel 0: on the\n\nChannel 1: it\n\nChannel 0: same\n\nChannel 1: with\n\nChannel 0: page.\n\nChannel 1: him. Great.\n\nChannel 0: Correct. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: just\n\nChannel 1: No.\n\nChannel 0: wanted\n\nChannel 1: No.\n\nChannel 0: to\n\nChannel 1: That's\n\nChannel 0: get you on the same page with it.\n\nChannel 1: yeah. Yeah. Essentially, I know it's countercultural, but I end up just trusting I know legally, I both we both have to agree. But if he says yes or no to things, I would I just follow what he says. I try to trust\n\nChannel 0: Yeah.\n\nChannel 1: his best interest. So if you end up I reckon it's best in the future with anything that has to be changed or something like that again. If you guys speak to him first,\n\nChannel 0: Yep.\n\nChannel 1: would be best because then I generally would be following unless it was, like,\n\nChannel 0: Yeah.\n\nChannel 1: illegal or\n\nChannel 0: Well\n\nChannel 1: something. But\n\nChannel 0: well, what what I wanna do probably moving forward is we'll probably look at having, maybe in six to twelve months time,\n\nChannel 1: mhmm.\n\nChannel 0: a joint conversation\n\nChannel 1: Yeah.\n\nChannel 0: with both your advisers and both of you come together and\n\nChannel 1: Yep.\n\nChannel 0: talk about the IDPS or that that\n\nChannel 1: Yeah.\n\nChannel 0: investment account and what we do moving forward with it.\n\nChannel 1: Yeah.\n\nChannel 0: And, like because I know that you and Tommy had a really good conversation about the investment, but, like, the child\n\nChannel 1: Yeah.\n\nChannel 0: investment bonds, which I know that's what the account's put aside for. So\n\nChannel 1: Yeah. Well yeah. It it it's what he we'd it wasn't initially for that, but, yeah, that's what it is now. So\n\nChannel 0: it's what\n\nChannel 1: yeah.\n\nChannel 0: yeah. What's been decided now. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: So that that's a really good avenue, and and, you know, both the advisers are both sort of on the same page. But, obviously, it does come down to what you both want and making sure that you guys are are comfortable with that situation as well.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: So what there's there's one other thing that I want to, I I guess, address is that currently currently, the account so both of your account holders. However,\n\nChannel 1: Mhmm. But I'm\n\nChannel 0: you\n\nChannel 1: the\n\nChannel 0: are\n\nChannel 1: one yeah.\n\nChannel 0: you're the primary contact for it.\n\nChannel 1: Mhmm.\n\nChannel 0: Are you comfortable if we swap the primary contact over to Ben? It doesn't negate your ownership at all,\n\nChannel 1: No.\n\nChannel 0: but it means\n\nChannel 1: You can\n\nChannel 0: if\n\nChannel 1: change\n\nChannel 0: anything\n\nChannel 1: change it\n\nChannel 0: happens\n\nChannel 1: to him. Yep.\n\nChannel 0: cool. It means that if anything happens, he's the one that Hub 24 contact first. Obviously, they do they reach out to us generally, but just on the the emergency\n\nChannel 1: Yeah.\n\nChannel 0: side,\n\nChannel 1: Yeah.\n\nChannel 0: you have to sign\n\nChannel 1: Change\n\nChannel 0: up on everything\n\nChannel 1: it to him\n\nChannel 0: anyway.\n\nChannel 1: because I'll end up calling him, whereas\n\nChannel 0: Yep.\n\nChannel 1: I will just tell him I know if it actually officially has to change, we both have to make that decision. But it's best going to him because I'll end up going to him anyway, whereas I don't care if he comes to me or not.\n\nChannel 0: Perfect.\n\nChannel 1: I know it sounds weird, but, like, whatever.\n\nChannel 0: No. No. No.\n\nChannel 1: Yeah.\n\nChannel 0: That's absolutely okay. Alright. Well, what I'll do is first thing tomorrow morning, I'll send you out just a couple of documents. One for you just for you to sign just saying that you understand you're happy with me making the investment changes\n\nChannel 1: Mhmm.\n\nChannel 0: and that you are, like so so we can transfer the the\n\nChannel 1: The\n\nChannel 0: contact\n\nChannel 1: primary\n\nChannel 0: over\n\nChannel 1: contact?\n\nChannel 0: as well.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Yeah. That's\n\nChannel 0: Perfect.\n\nChannel 1: totally fine. Yeah. Yeah. Look.\n\nChannel 0: Amazing.\n\nChannel 1: You shouldn't have issues with us. Well, you shouldn't have you won't have issues with me. I can't can't you know? So I so, hopefully, we'll try and make it easy anyway for all of us, but that's fine. Makes sense.\n\nAll good.\n\nChannel 0: Perfect. And I just wanna double check. You're still contacted at bhclear15@gmail.\n\nChannel 1: Yes.\n\nChannel 0: Com? Hotmail\n\nChannel 1: Yeah.\n\nChannel 0: dot com.\n\nChannel 1: It\n\nChannel 0: Sorry. Yeah.\n\nChannel 1: yeah. That's that's all good. Yep.\n\nChannel 0: Perfect. Alright. Well, I'll I'll send you an email through to there tomorrow, and, yeah, we'll just get all this finalized for you. Okay?\n\nChannel 1: Perfect. Yeah. And I'll just it will look is an esignature fine?\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Yes.\n\nChannel 0: It's our\n\nChannel 1: Okay.\n\nChannel 0: preference.\n\nChannel 1: Great. Because\n\nChannel 0: We\n\nChannel 1: I'll\n\nChannel 0: hate\n\nChannel 1: be\n\nChannel 0: printing\n\nChannel 1: able to\n\nChannel 0: paper.\n\nChannel 1: do it. Yeah. No. Fair enough. Great.\n\nWell, I'll be able to do that straight away then.\n\nChannel 0: Amazing. Cool. And how did you go with, like, reading the email? I know that Tommy's email was\n\nChannel 1: That's okay.\n\nChannel 0: information\n\nChannel 1: I\n\nChannel 0: filled.\n\nChannel 1: yeah. No. I was I just read the email and had a quick glance at the documents, but and then I just sent it to Ben, and that's pretty much all that we've kind of done. We legally can't change anything until what is it called? The consent\n\nChannel 0: Yeah.\n\nChannel 1: orders are finalized, so\n\nChannel 0: Yep.\n\nChannel 1: that won't be for another couple of months. So I actually think that the six around the sixth month mark from now, so towards the end of the year, I'm happy for, like, a a Zoom or a Google Meet, however you guys do it.\n\nChannel 0: Yeah.\n\nChannel 1: And discussing with what we do going forward. But, ultimately, I already mentioned to them that I don't want to be the like, the finances, I don't want them in my name because I end up I'll end up in years to come paying so much tax for something I'm not actually gonna keep. It's for the kids.\n\nChannel 0: Yeah.\n\nChannel 1: So and because, you know, anyway, I'm just really super low income, and I don't need to be paying as if I'm earning heaps. So\n\nChannel 0: Yeah.\n\nChannel 1: yeah. Yeah.\n\nChannel 0: Absolutely.\n\nChannel 1: So\n\nChannel 0: Well, there's there's definitely avenues around being able to solve that.\n\nChannel 1: yeah.\n\nChannel 0: So we can we can look into them and and see what we what we do in the future anyway,\n\nChannel 1: Yep.\n\nChannel 0: and we can talk about that in six months.\n\nChannel 1: Yep. No. That's all good. So yeah. Thank\n\nChannel 0: Perfect.\n\nChannel 1: you for calling and double checking all of that, and I'll sign the stuff for you tomorrow or later tonight whenever you get that through.\n\nChannel 0: It'll definitely be tomorrow. But yeah.\n\nChannel 1: Tomorrow. Yeah. You go home. This is late, actually, isn't it? Are you usually out this late?\n\nChannel 0: Oh, yeah. I am, unfortunately.\n\nChannel 1: Okay.\n\nChannel 0: Yes.\n\nChannel 1: That's okay.\n\nChannel 0: No. I work until the midnights, but\n\nChannel 1: No.\n\nChannel 0: that's okay.\n\nChannel 1: Okay. Alright. That's you know, I'm gonna do what works for you.\n\nChannel 0: That's it.\n\nChannel 1: Perfect.\n\nChannel 0: Alright. You\n\nChannel 1: Alright.\n\nChannel 0: go and have a great night. So enjoy that time with those kids while they're no\n\nChannel 1: I\n\nChannel 0: doubt putting food all over the floor.\n\nChannel 1: absolutely. Absolutely. And will my address is that updated now, or should I just continue saying both until it's, like, somewhat\n\nChannel 0: I\n\nChannel 1: resolved?\n\nChannel 0: will I will I will update your address right now. I haven't done it while I'm on the phone just because\n\nChannel 1: That's\n\nChannel 0: it is\n\nChannel 1: okay.\n\nChannel 0: getting late, and my talking and typing technique is\n\nChannel 1: Don't\n\nChannel 0: disappearing\n\nChannel 1: go\n\nChannel 0: as\n\nChannel 1: together?\n\nChannel 0: the day goes on.\n\nChannel 1: Yeah. That's\n\nChannel 0: Yep.\n\nChannel 1: fine.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: I will update it when when we get off the phone now.\n\nChannel 1: Yep. No. Perfect. Alright. Thank you so much, and you have a good night.\n\nOkay?\n\nChannel 0: You too, darling. Bye.\n\nChannel 1: Okay. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.8399999,"end":2.34,"sentiment":"neutral","sentiment_score":0.0258494783192873}],"sentiment":"neutral","sentiment_score":0.0258494783192873,"channel":1,"num_words":1,"start":1.8399999,"end":2.34},{"sentences":[{"text":"Hi, Hailey.","start":3.1999998,"end":4.16,"sentiment":"neutral","sentiment_score":0.1425241231918335},{"text":"My name is Larissa from Oaktree Financial.","start":4.16,"end":6.08,"sentiment":"neutral","sentiment_score":0.16843426866190775},{"text":"How are you going?","start":6.08,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.20546117052435875}],"sentiment":"neutral","sentiment_score":0.17584098531649664,"channel":0,"num_words":13,"start":3.1999998,"end":6.8999996},{"sentences":[{"text":"Good.","start":7.2,"end":7.52,"sentiment":"positive","sentiment_score":0.5648809671401978},{"text":"Thanks.","start":7.52,"end":7.8399997,"sentiment":"positive","sentiment_score":0.5899883508682251},{"text":"How are you?","start":7.8399997,"end":8.66,"sentiment":"neutral","sentiment_score":0.31373826662699383}],"sentiment":"positive","sentiment_score":0.41921682357788087,"channel":1,"num_words":5,"start":7.2,"end":8.66},{"sentences":[{"text":"Good.","start":8.96,"end":9.46,"sentiment":"positive","sentiment_score":0.516745388507843},{"text":"Thank you.","start":9.5199995,"end":10.34,"sentiment":"positive","sentiment_score":0.6010774672031403},{"text":"I'm the head of financial advice here with the 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actually just popped off to go have a baby real quick.","start":19.255001,"end":21.835,"sentiment":"neutral","sentiment_score":0.12832737838228545}],"sentiment":"neutral","sentiment_score":0.12832737838228545,"channel":0,"num_words":12,"start":19.255001,"end":21.835},{"sentences":[{"text":"Yes.","start":21.744999,"end":22.145,"sentiment":"neutral","sentiment_score":0.13640692830085754},{"text":"I remember him saying that.","start":22.145,"end":23.744999,"sentiment":"neutral","sentiment_score":0.13438740223646164},{"text":"Yeah.","start":23.744999,"end":24.244999,"sentiment":"neutral","sentiment_score":0.2578519284725189},{"text":"That's good.","start":24.625,"end":25.365,"sentiment":"positive","sentiment_score":0.4156152158975601}],"sentiment":"neutral","sentiment_score":0.2108251444167561,"channel":1,"num_words":9,"start":21.744999,"end":25.365},{"sentences":[{"text":"Yeah.","start":25.735,"end":26.135,"sentiment":"neutral","sentiment_score":0.25761187076568604},{"text":"So she was 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base.","start":32.04,"end":33.98,"sentiment":"neutral","sentiment_score":0.05185255967080593}],"sentiment":"neutral","sentiment_score":0.05185255967080593,"channel":0,"num_words":6,"start":32.04,"end":33.98},{"sentences":[{"text":"Yeah.","start":34.68,"end":35.18,"sentiment":"neutral","sentiment_score":0.04355564713478088}],"sentiment":"neutral","sentiment_score":0.04355564713478088,"channel":1,"num_words":1,"start":34.68,"end":35.18},{"sentences":[{"text":"So I've been basically, like, a mediatory between the two advisers that deal with both yourself and your husband.","start":34.92,"end":43.5,"sentiment":"neutral","sentiment_score":0.04258678128060542}],"sentiment":"neutral","sentiment_score":0.04258678128060542,"channel":0,"num_words":19,"start":34.92,"end":43.5},{"sentences":[{"text":"Oh, 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Tommy off, I just wanted to jump on and have a quick chat.","start":49.955,"end":53.175,"sentiment":"neutral","sentiment_score":0.06716239585408143}],"sentiment":"neutral","sentiment_score":0.06716239585408143,"channel":0,"num_words":14,"start":49.955,"end":53.175},{"sentences":[{"text":"Of course.","start":53.465,"end":54.125,"sentiment":"neutral","sentiment_score":0.028363111428916454}],"sentiment":"neutral","sentiment_score":0.028363111428916454,"channel":1,"num_words":2,"start":53.465,"end":54.125},{"sentences":[{"text":"So if you're okay, obviously, 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They discuss the possibility of a joint conversation in six to twelve months and the underperformance of the account. The account is legally underperforming and the customer expresses concern. The agent promises to send documents and update the account address. They agree to speak again in six months."},"intents":{"segments":[{"text":"I'm the head of financial advice here with the team. So Yeah.","start_word":22,"end_word":33,"intents":[{"intent":"Discuss financial advice","confidence_score":0.01454224}]},{"text":"I did try to update the address with Tommy whenever it was two weeks ago. It Yep. it used to be 281 Church Lane Castleway. I'm hoping it changed back to what it was, which is 23 Glenel Street, Buttsland, New South Wales. No.","start_word":276,"end_word":319,"intents":[{"intent":"Update address","confidence_score":0.104464926}]},{"text":"I can update that. 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But, ultimately, I already mentioned to them that I don't want to be the like, the finances, I don't want them in my name because I end up I'll end up in years to come paying so much tax for something I'm not actually gonna keep. It's for the kids.","start_word":1694,"end_word":1751,"intents":[{"intent":"Discuss finances","confidence_score":0.50186247},{"intent":"Discuss financial issues","confidence_score":0.0018423524}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Hailey. My name is Larissa from Oaktree Financial. How are you going?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.16034254431724548},{"text":"Good. Thanks.","start_word":14,"end_word":15,"sentiment":"positive","sentiment_score":0.5774346590042114},{"text":"How are you?","start_word":16,"end_word":18,"sentiment":"neutral","sentiment_score":0.33212918043136597},{"text":"Good. Thank you.","start_word":19,"end_word":21,"sentiment":"positive","sentiment_score":0.557288408279419},{"text":"I'm the head of financial advice here with the team. So Yeah. I work alongside Tommy. I know you've spoken to him Oh, recently. yeah. Yeah. Yeah. He actually just popped off to go have a baby real quick. Yes. I remember him saying that. Yeah.","start_word":22,"end_word":67,"sentiment":"neutral","sentiment_score":0.1206875815987587},{"text":"That's good.","start_word":68,"end_word":69,"sentiment":"positive","sentiment_score":0.4184555113315582},{"text":"Yeah. So she was born on Friday.","start_word":70,"end_word":76,"sentiment":"neutral","sentiment_score":0.2804219126701355},{"text":"That's lovely.","start_word":77,"end_word":78,"sentiment":"positive","sentiment_score":0.5880048871040344},{"text":"Yes. Mhmm. I just wanted to touch base. Yeah. So I've been basically, like, a mediatory between the two advisers that deal with both yourself and your husband. Oh, yep. So I kind of oversee it from a licensee Yeah. point of view. Yeah. Yeah. And That's with fine. with Tommy off, I just wanted to jump on and have a quick chat. Of course. So if you're okay, obviously, chatting Yeah. Yeah. Just, if you hear my kids in the background, I've just given them dinner. So if they're a bit, you know, whatever, that should be fine, but, babe, I get it. I'm hoping I my husband's apologize. doing the same thing. No. Don't don't ever apologize for the noise children make at all. Well, K. before But I jump otherwise, into I'm full. I'm all good. Yeah. Mhmm. cool. Before I jump into it too much, I do need to let you know our calls are recorded Recorded? if that's okay. Yep. That's fine. Perfect. And then I have three points of ID, just ID? full name, date of birth, and address. Yeah. So Hailey Clea in thirteenth of the eleventh nineteen ninety three. I did try to update the address with Tommy whenever it was two weeks ago. It Yep. it used to be 281 Church Lane Castleway. I'm hoping it changed back to what it was, which is 23 Glenel Street, Buttsland, New South Wales.","start_word":79,"end_word":318,"sentiment":"neutral","sentiment_score":0.00949795637279749},{"text":"No. Tommy is terrible.","start_word":319,"end_word":322,"sentiment":"negative","sentiment_score":-0.5536679029464722},{"text":"What's He the hasn't new it the okay. The the the two new 81 one is I what have, but yeah. Yeah. So that's, yeah, it's 23. It's actually what it was before, which should be in the system anyway. Oh, yeah. It would It will be listed be then. as the investment property. Yes. That's Yeah. one. That's okay. So Yeah. I should have that Which anyway. was our previous house anyway. Yeah. Yeah. Cool. I can update that. That's Yeah.","start_word":323,"end_word":404,"sentiment":"neutral","sentiment_score":0.02485004626214504},{"text":"fine. All good. Perfect.","start_word":405,"end_word":408,"sentiment":"positive","sentiment_score":0.5626355409622192},{"text":"So the reason for my call was there was a couple of things. So Of yourself course. you obviously met with Tommy. Your partner has met with his adviser here with the firm as well. Yeah. Yeah. I remember And him mentioning it. Yep. having a meeting. Yeah. And there was just a couple of things that our post meeting, the advisers got together and had a bit of They're a discussion confused. about. Yeah. Yeah. Yeah. No. It was just it was just got got together and had a bit of a discussion about with respect to the joint IDPS Yeah. only. The investment account. Yeah. Yeah. Yeah. Yeah. Now I know that you have have had a decent conversation with Tommy about possibly looking at other avenues down the line. Yep. At Was the moment I'm I'm assuming then he is from how he spoke to me, he really doesn't know what he wants to do with the money. But at the moment, it would just stay. It legally, anyway, has to stay as is at moment. Yeah. And that's that's ultimately what we wanna do is just keep it as is. However, Yes. after, Yep. obviously, Tommy met with you and the adviser met with Penn, they got their heads together, and they were looking at just the investments and just wanting to make a very slight alteration to the investments in the account, specifically Yep. with the Bennelong asset, purely Oh, and simply I did just because it's a bit underperforming yes.","start_word":409,"end_word":664,"sentiment":"neutral","sentiment_score":-0.0739956870675087},{"text":"and No. a bit I expensive.","start_word":665,"end_word":670,"sentiment":"negative","sentiment_score":-0.5311881303787231},{"text":"remember in his email, he actually said that, and I actually forwarded it to Ben, but the likelihood is I don't know when Ben exactly met with the adviser and whether I had sent that email prior. Yes. Ben does know about it. Whether he's read it, I don't actually know. Cool. So So oh my so goodness. what This what is just look. it's it's I still okay. love my husband, but it's just like okay. Yeah. Alright. No. I get it. I have one too. Yeah. Like yep. Okay. What did you want? Yeah. You tell me So what is best so and what whatever. Yep. what I wanna do, and I've had a look at it too, is I wanna Yep. make the change. There's nothing you need to do. I just wanted to basically give you a call and Yep. give you the heads up that I wanna make the change.","start_word":671,"end_word":825,"sentiment":"neutral","sentiment_score":0.08532065153121948},{"text":"Ben's all down for the change too, so he's Oh, he's well, if happy he's and happy hunky for that, dory.","start_word":826,"end_word":846,"sentiment":"positive","sentiment_score":0.3638068735599518},{"text":"that's fine. Oh, yeah. Yeah.","start_word":847,"end_word":851,"sentiment":"neutral","sentiment_score":0.21939179301261905},{"text":"Cool. Great.","start_word":852,"end_word":853,"sentiment":"positive","sentiment_score":0.4549164175987244},{"text":"And So I that just you've wanted to get actually you discussed on the it same with page. him. Great. Correct. Yep. Yeah. So Yeah. just No. wanted No. to That's get you on the same page with it. yeah. Yeah. Essentially, I know it's countercultural, but I end up just trusting I know legally, I both we both have to agree. But if he says yes or no to things, I would I just follow what he says. I try to Yeah. trust his best interest. So if you end up I reckon it's best in the future with anything that has to be changed or something like that again. If you guys speak to him first, Yep. would be best because then I generally would be following unless it was, like, Yeah. illegal or Well something. But well, what what I wanna do probably moving forward is we'll probably look at having, maybe in six to twelve months time, mhmm. a joint conversation Yeah. with both your advisers and both of you come together and Yep. talk about the IDPS or that that Yeah. investment account and what we do moving forward with it. Yeah. And, like because I know that you and Tommy had a really good conversation about the investment, but, like, the child Yeah. investment bonds, which I know that's what the account's put aside for. So Yeah. Well yeah. It it it's what he we'd it wasn't initially for that, but, yeah, that's what it is now. So it's what yeah. yeah. What's been decided now. Yeah.","start_word":854,"end_word":1116,"sentiment":"neutral","sentiment_score":0.03218959115388956},{"text":"Yep. So that that's a really good avenue, and and, you know, both the advisers are both sort of on the same page. But, obviously, it does come down to what you both want and making sure that you guys are are comfortable with that situation as well.","start_word":1117,"end_word":1164,"sentiment":"positive","sentiment_score":0.45428094267845154},{"text":"Yeah. Yep. So what there's there's one other thing that I want to, I I guess, address is that currently currently, the account so both of your account holders. However, Mhmm. But I'm you the are one yeah. you're the primary contact for it. Mhmm. Are you comfortable if we swap the primary contact over to Ben? It doesn't negate your ownership at all, No. but it means You can if change anything change it happens to him. Yep. cool. It means that if anything happens, he's the one that Hub 24 contact first. Obviously, they do they reach out to us generally, but just on the the emergency Yeah. side, Yeah. you have to sign Change up on everything it to him anyway. because I'll end up calling him, whereas Yep. I will just tell him I know if it actually officially has to change, we both have to make that decision. But it's best going to him because I'll end up going to him anyway, whereas I don't care if he comes to me or not.","start_word":1165,"end_word":1342,"sentiment":"neutral","sentiment_score":0.04357175901532173},{"text":"Perfect.","start_word":1343,"end_word":1343,"sentiment":"positive","sentiment_score":0.3975035846233368},{"text":"I know it sounds weird, but, like, whatever. No. No. No. Yeah. That's absolutely okay. Alright. Well, what I'll do is first thing tomorrow morning, I'll send you out just a couple of documents. One for you just for you to sign just saying that you understand you're happy with me making the investment changes Mhmm. and that you are, like so so we can transfer the the The contact primary over contact? as well. Yeah. Yeah. Yeah. Yeah.","start_word":1344,"end_word":1422,"sentiment":"neutral","sentiment_score":0.11571508966669251},{"text":"That's Perfect. totally fine.","start_word":1423,"end_word":1426,"sentiment":"positive","sentiment_score":0.5463796854019165},{"text":"Yeah. Yeah.","start_word":1427,"end_word":1428,"sentiment":"neutral","sentiment_score":0.27222925424575806},{"text":"Look. Amazing.","start_word":1429,"end_word":1430,"sentiment":"positive","sentiment_score":0.5455406904220581},{"text":"You shouldn't have issues with us. Well, you shouldn't have you won't have issues with me. I can't can't you know? So I so, hopefully, we'll try and make it easy anyway for all of us, but that's fine. Makes sense.","start_word":1431,"end_word":1471,"sentiment":"neutral","sentiment_score":0.1587972790002823},{"text":"All good. Perfect.","start_word":1472,"end_word":1474,"sentiment":"positive","sentiment_score":0.5329801440238953},{"text":"And I just wanna double check. You're still contacted at bhclear15@gmail. Yes. Com? Hotmail Yeah. dot com. It Sorry. Yeah. yeah.","start_word":1475,"end_word":1495,"sentiment":"neutral","sentiment_score":0.04006277769804001},{"text":"That's that's all good.","start_word":1496,"end_word":1499,"sentiment":"positive","sentiment_score":0.33457839488983154},{"text":"Yep.","start_word":1500,"end_word":1500,"sentiment":"neutral","sentiment_score":0.1964624375104904},{"text":"Perfect.","start_word":1501,"end_word":1501,"sentiment":"positive","sentiment_score":0.3774653673171997},{"text":"Alright. Well, I'll I'll send you an email through to there tomorrow, and, yeah, we'll just get all this finalized for you. Okay? Perfect. Yeah. And I'll just it will look is an esignature fine? Yeah. Absolutely. Yes. It's our Okay. preference. Great. Because We I'll hate be printing able to paper. do it. Yeah. No. Fair enough.","start_word":1502,"end_word":1559,"sentiment":"neutral","sentiment_score":0.12208859622478484},{"text":"Great. Well, I'll be able to do that straight away then. Amazing. Cool.","start_word":1560,"end_word":1572,"sentiment":"positive","sentiment_score":0.3850678205490112},{"text":"And how did you go with, like, reading the email? I know that Tommy's email was That's okay. information I filled. yeah. No. I was I just read the email and had a quick glance at the documents, but and then I just sent it to Ben, and that's pretty much all that we've kind of done. We legally can't change anything until what is it called? The consent Yeah. orders are finalized, so Yep. that won't be for another couple of months.","start_word":1573,"end_word":1655,"sentiment":"neutral","sentiment_score":-0.009301073849201202},{"text":"So I actually think that the six around the sixth month mark from now, so towards the end of the year, I'm happy for, like, a a Zoom or a Google Meet, however you guys do it.","start_word":1656,"end_word":1692,"sentiment":"positive","sentiment_score":0.5193502902984619},{"text":"Yeah. And discussing with what we do going forward. But, ultimately, I already mentioned to them that I don't want to be the like, the finances, I don't want them in my name because I end up I'll end up in years to come paying so much tax for something I'm not actually gonna keep. It's for the kids. Yeah. So and because, you know, anyway, I'm just really super low income, and I don't need to be paying as if I'm earning heaps. So Yeah. yeah. Yeah. Absolutely. So Well, there's there's definitely avenues around being able to solve that. yeah. So we can we can look into them and and see what we what we do in the future anyway, Yep. and we can talk about that in six months. Yep. No. That's all good. So yeah.","start_word":1693,"end_word":1831,"sentiment":"neutral","sentiment_score":-0.11158501356840134},{"text":"Thank Perfect. you for calling and double checking all of that, and I'll sign the stuff for you tomorrow or later tonight whenever you get that through.","start_word":1832,"end_word":1858,"sentiment":"positive","sentiment_score":0.4327188134193421},{"text":"It'll definitely be tomorrow. But yeah. Tomorrow. Yeah. You go home. This is late, actually, isn't it? Are you usually out this late? Oh, yeah. I am, unfortunately. Okay. Yes. That's okay. No. I work until the midnights, but No. that's okay. Okay. Alright. That's you know, I'm gonna do what works for you. That's it.","start_word":1859,"end_word":1914,"sentiment":"neutral","sentiment_score":0.02899173274636269},{"text":"Perfect.","start_word":1915,"end_word":1915,"sentiment":"positive","sentiment_score":0.3518112897872925},{"text":"Alright.","start_word":1916,"end_word":1916,"sentiment":"neutral","sentiment_score":0.30936771631240845},{"text":"You Alright. go and have a great night. So enjoy that time with those kids while they're no I doubt putting food all over the floor.","start_word":1917,"end_word":1942,"sentiment":"positive","sentiment_score":0.4966894686222077},{"text":"absolutely. Absolutely. And will my address is that updated now, or should I just continue saying both until it's, like, somewhat I resolved? will I will I will update your address right now. I haven't done it while I'm on the phone just because That's it is okay. getting late, and my talking and typing technique is Don't disappearing go as together? the day goes on. Yeah. That's Yep. fine. So Yeah. I will update it when when we get off the phone now. Yep. No.","start_word":1943,"end_word":2028,"sentiment":"neutral","sentiment_score":0.036504377498627144},{"text":"Perfect. Alright. Thank you so much, and you have a good night. Okay? You too, darling. Bye.","start_word":2029,"end_word":2045,"sentiment":"positive","sentiment_score":0.622318685054779},{"text":"Okay.","start_word":2046,"end_word":2046,"sentiment":"neutral","sentiment_score":0.24936091899871823},{"text":"Thanks. Bye.","start_word":2047,"end_word":2048,"sentiment":"positive","sentiment_score":0.4438234865665436}],"average":{"sentiment":"neutral","sentiment_score":0.07130161359200404}}}}