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We were gonna go through and have a bit of a discussion. Just wanted to make sure that you were still okay to have that chat this morning. Perfect. Before I jump into it, I do need to let you know our calls are recorded. And if I could just get you confirmed security, it's our full day full name, date of birth, and address for me. Perfect. Appreciate it. Okay. So so sorry. I'm losing my voice today. Following our conversation, I sent you an email with your like, with the the ATO, like, lost super search that we had received on your behalf from the ATO. You were able to have a look at that one? Yeah. Did you make any phone calls or or sort of look into it at all? Just no. No. That's okay. Just so I knew where you were up to. That's absolutely okay. So with with sort of, I guess, where you're at medically and and what's kinda going on, you were you were explaining to me that, I guess, financially, you're not doing too too well and that you're sort of at the moment looking at applying for disability support pension. Yeah. It's a bit of an arduous process to apply for, and I, essentially, don't make anything easy, unfortunately. Yeah. Okay. That's okay. So with with where you're at, I guess, financially, is it that you're like, do you if if you get approved for disability support pension, do you know what kind of income you've received from that? Have you have you looked into what No. That's okay. Well, have you have you by any chance I I know we only spoke last week, but have you by any chance contacted the what are they called? The word will come to me. Sorry. The union. The union rep. Just had to think the way up they were. No. That's okay. Is that sort of on yeah. Yeah. If you spent if you spent a decent amount of time working there, and especially if your condition can be linked back, it's something that, you know, could be available to you. When was the last time you worked in the Meetworks? Do you know how many years you worked in the industry? Yeah. Okay. Alright. Yeah. I guess so from my side, I guess, for me to be able to financially help you out and make sure that we can get you firing on all cylinders and and financially functional, I guess the best thing for me to do is to probably start with updating where all your finances are currently at and what's happening for yourself. So if I run through and have a look at, I guess, what details we have on on file for you and make sure they're still appropriate and accurate, that'll probably be a really good good start point. So I guess to start at the beginning, I have Bonnie Pierce as, I guess, your your spouse and next of kin. Still appropriate? Yep. Perfect. Now income wise, you're currently receiving JobSeeker. Is that correct? Now do you have any medical exemption for that one, or are they putting you through? Good. Perfect. Perfect. So it's just a a matter of you sort of applying for the alteration between JobSeeker and disability support pension, which will give you that increased increased rates. Alright. Perfect. Now aside from that, I have, like, debt wise and and position wise, I have that you have your your house. You you own your own home. And the the the debt that you have on it is about $20,000. Is that low like, that mortgage still that's okay. That's good. So we're you're still able to sort of have that paid off slowly? That's good. And then we have the car and the motorbike about 10 and R8 in value. Perfect. Is there anything on the redraw? I know you had a redraw previously. Is there any money sitting on that redraw? Or No. That's okay. It's just it's it's good to sort of, I guess, know where you're at financially and whether, you know, the money that you're gonna get from Disability Support Pension is gonna be enough to cover off the debts that you have and, you know, if there's money sitting on the redraw, whether there's something we could do with that money to put you in a better financial position. You know? Yeah. So are you able to log in and have a look at how much is owing on the house? No. That's okay. I love an old pen and paper. Absolutely. Do you do you know where the last statement is that you've received, or do you sort of just pop into the bank and and check? Okay. That's okay. So you know that the the loan's about, like, just under sort of under $20,000. 18. Okay. That's good. Fantastic news. Do you know what the interest rate is on the mortgage? Alright. That's okay. And do you know the term of the loan that's let like, that you have remaining? No. That's okay. Alright. So it's about $18,000. Here, let's put it this way. Do you know what the mortgage repayments are each week or months? Fine. That's good. I'm No. That's okay. Not a problem at all. I'm assuming that your partner, like, the Bonnie works and earns an income? Oh, okay. So where like, do you guys reside together but not in a de facto relationship? Hi. So the the I love it. Nothing wrong with that at all. So with, I guess, your single status, are you like, the ownership of the property, is it, like, a 100% yours? Do you guys do you share it with Bonnie who Does Bonnie pay, like, board for residing? No? Oh, sorry. Apologies. I thought she still, like, lives at the house when she was off swing or off off work. Okay. So just just you by yourself at at at in the house. Oh, beautiful. Yeah. Is she paying any rental board to help you along, or are you able to Okay. That's good. Because I I I assume the money that you're getting from Centrelink is not enough to pay the mortgage. Oh, it's covering it? And, like, leaving still leaving you with a little bit to be able to, like, pay the bills and eat? Okay. No. That's okay. That's good. Probably should've started with that question then. Okay. Okay. So we're we're doing okay financially, but I think I I guess the stress would be removed if you were able to have no mortgage anymore. Is that correct? Okay. So I guess what you're looking for is just the ability to be able to pay off the mortgage and just be be debt free. And then you have the car, the motorbike, the house debt free, and you can just breathe a little bit more. Yeah. Okay. Alright. Well, what what I would need to do, I guess, to be able to see, I guess, what financial impact is, you know, is gonna have for you. Because that is the way that we could apply to your superannuation fund, and we could remove some of the money from your super fund to pay out your mortgage. And you you could release that under under basically total impermeability. So we we would need to go through, like, the medical applications to do that. They're actually totally separate. The like, you can do them in tandem. One doesn't affect one one application does not affect the other. So if you're approved for disability support pension and and rejected for superannuation, don't normally see that happen, to be completely honest with you, but let's just say, for argument's sake, it did happen. They don't they don't affect each other at all. So you're actually able to apply at the same time. But the good thing is is, obviously, with the disability support pension, the income increases from JobSeeker. You know? You get that little bit extra, which is definitely gonna help out. Yeah. Yeah. It's sort of about that figure. Yeah. I mean, you know, little bit of change either outside. Yeah. Well yeah. You will. The thing is is with the Superfund, there are documents that you need filled out. So if you are intending on going and seeing those doctors, what I can do is I can either email or post the documents to you that you're able to get filled out from those doctors when you go and talk to them. Obviously, any documents that you do receive from the hospital or other is still used for, but there is a very specific form that the that the super funds won't filled out because it has a very specific statement on it that they want the doctors to sign off declaring that you're likely never able not likely not going to work again. So I can get those documents to you. And then what I would ultimately, I guess, need from yourself is I would need, I guess, just that that latest mortgage statement would probably be the best thing because that just gives me the interest rate, so it tells me over the x number of years how much interest you're gonna pay. And I can then compare that to if we were gonna remove money from your super fund, you know, obviously, taking into consideration your wishes and and, and just run the numbers for you to present to you where everything lands. Because that'll that that'll give a good a good indication as to, you know, how we can sort of proceed with everything. Yeah. Perfect. Well, I can I can get that happening where we we basically look at getting the getting the claim started? So I'll contact Netwealth, get them get them to issue the claims documents to me and get it started. Would you prefer the documents posted to you, or are you happy for them to be emailed? I can 100% do that. I'll get the claims documents issued, and then I'll get them all posted off to you. And I'll put little tabs on them to explain, like, who needs to fill out what. There'll be two different doctor's forms. So two different doctors have to fill them out, and there'll be a little form for yourself to fill out as well. It just basically says, like, I declare that I am unfit for work because of blah. Nothing too too crazy and strenuous. And then you can, yeah, post them on back to me once they're all done. If you, of course, have any questions when the documents do arrive, you can, you know, you can, yeah, give me a call, ring, and and have a chat. Either myself or Caden here in the office will be able to help you out from a claims perspective, but what we'll do is we'll get that started and and go from there. Are you able to take a photo or email, text, whatever the case may be, like, that latest loan statement? Yeah. Yeah. Absolutely. What I'll do is do you want me to text you or email you so you can reply? Yeah. Perfect. I'll text you, and it'll just say from Larissa or Q. And, yeah, if you take a photo of that statement, I'll keep it on file. And then when I start getting all the research and everything put together, we can go from there. This is not something that we can turn around in a day, a week, or anything like that. It takes, yeah, it takes a little bit of time. The good thing is is that financially, I'm I'm glad to hear that you are doing okay. Obviously, it's a little bit tight, but that you're doing okay. Yeah. Yeah. So you've had to just accept and tighten the belt as much as you can. Yeah. Well, let's let's alleviate some of that pressure, get that loan paid off, and and let you kinda breathe a little bit. That's okay. So let me run through and start having a look at everything from my side. Once you get those those documents to me, we can go from there. Alright? Perfect. Alright. I will get that text message sent to you, and we can start start the process, start the claims and everything like that, and and we can go from there. Okay? That's absolutely okay. Well, did you have any other other questions while we were on the phone? Or okay. That's absolutely okay. You are 100% able to give me a call anytime that you have any questions, and and I'll be able to help you out. Alright? That's okay, Doug. I'll I look forward to working with you over the next coming couple of months and get it all done. Perfect. You sure will. Bye for 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Doug. It's Larissa from OC Financial. How are you going? Yeah. I'm really well.\n\nThank you. I was just giving you a call following on from our conversation last week. We were gonna go through and have a bit of a discussion. Just wanted to make sure that you were still okay to have that chat this morning. Perfect.\n\nBefore I jump into it, I do need to let you know our calls are recorded. And if I could just get you confirmed security, it's our full day full name, date of birth, and address for me. Perfect. Appreciate it. Okay.\n\nSo so sorry. I'm losing my voice today. Following our conversation, I sent you an email with your like, with the the ATO, like, lost super search that we had received on your behalf from the ATO. You were able to have a look at that one? Yeah.\n\nDid you make any phone calls or or sort of look into it at all? Just no. No. That's okay. Just so I knew where you were up to.\n\nThat's absolutely okay. So with with sort of, I guess, where you're at medically and and what's kinda going on, you were you were explaining to me that, I guess, financially, you're not doing too too well and that you're sort of at the moment looking at applying for disability support pension. Yeah. It's a bit of an arduous process to apply for, and I, essentially, don't make anything easy, unfortunately. Yeah.\n\nOkay. That's okay. So with with where you're at, I guess, financially, is it that you're like, do you if if you get approved for disability support pension, do you know what kind of income you've received from that? Have you have you looked into what No. That's okay.\n\nWell, have you have you by any chance I I know we only spoke last week, but have you by any chance contacted the what are they called? The word will come to me. Sorry. The union. The union rep.\n\nJust had to think the way up they were. No. That's okay. Is that sort of on yeah. Yeah.\n\nIf you spent if you spent a decent amount of time working there, and especially if your condition can be linked back, it's something that, you know, could be available to you. When was the last time you worked in the Meetworks? Do you know how many years you worked in the industry? Yeah. Okay.\n\nAlright. Yeah. I guess so from my side, I guess, for me to be able to financially help you out and make sure that we can get you firing on all cylinders and and financially functional, I guess the best thing for me to do is to probably start with updating where all your finances are currently at and what's happening for yourself. So if I run through and have a look at, I guess, what details we have on on file for you and make sure they're still appropriate and accurate, that'll probably be a really good good start point. So I guess to start at the beginning, I have Bonnie Pierce as, I guess, your your spouse and next of kin.\n\nStill appropriate? Yep. Perfect. Now income wise, you're currently receiving JobSeeker. Is that correct?\n\nNow do you have any medical exemption for that one, or are they putting you through? Good. Perfect. Perfect. So it's just a a matter of you sort of applying for the alteration between JobSeeker and disability support pension, which will give you that increased increased rates.\n\nAlright. Perfect. Now aside from that, I have, like, debt wise and and position wise, I have that you have your your house. You you own your own home. And the the the debt that you have on it is about $20,000.\n\nIs that low like, that mortgage still that's okay. That's good. So we're you're still able to sort of have that paid off slowly? That's good. And then we have the car and the motorbike about 10 and R8 in value.\n\nPerfect. Is there anything on the redraw? I know you had a redraw previously. Is there any money sitting on that redraw? Or No.\n\nThat's okay. It's just it's it's good to sort of, I guess, know where you're at financially and whether, you know, the money that you're gonna get from Disability Support Pension is gonna be enough to cover off the debts that you have and, you know, if there's money sitting on the redraw, whether there's something we could do with that money to put you in a better financial position. You know? Yeah. So are you able to log in and have a look at how much is owing on the house?\n\nNo. That's okay. I love an old pen and paper. Absolutely. Do you do you know where the last statement is that you've received, or do you sort of just pop into the bank and and check?\n\nOkay. That's okay. So you know that the the loan's about, like, just under sort of under $20,000. 18. Okay.\n\nThat's good. Fantastic news. Do you know what the interest rate is on the mortgage? Alright. That's okay.\n\nAnd do you know the term of the loan that's let like, that you have remaining? No. That's okay. Alright. So it's about $18,000.\n\nHere, let's put it this way. Do you know what the mortgage repayments are each week or months? Fine. That's good. I'm No.\n\nThat's okay. Not a problem at all. I'm assuming that your partner, like, the Bonnie works and earns an income? Oh, okay. So where like, do you guys reside together but not in a de facto relationship?\n\nHi. So the the I love it. Nothing wrong with that at all. So with, I guess, your single status, are you like, the ownership of the property, is it, like, a 100% yours? Do you guys do you share it with Bonnie who Does Bonnie pay, like, board for residing?\n\nNo? Oh, sorry. Apologies. I thought she still, like, lives at the house when she was off swing or off off work. Okay.\n\nSo just just you by yourself at at at in the house. Oh, beautiful. Yeah. Is she paying any rental board to help you along, or are you able to Okay. That's good.\n\nBecause I I I assume the money that you're getting from Centrelink is not enough to pay the mortgage. Oh, it's covering it? And, like, leaving still leaving you with a little bit to be able to, like, pay the bills and eat? Okay. No.\n\nThat's okay. That's good. Probably should've started with that question then. Okay. Okay.\n\nSo we're we're doing okay financially, but I think I I guess the stress would be removed if you were able to have no mortgage anymore. Is that correct? Okay. So I guess what you're looking for is just the ability to be able to pay off the mortgage and just be be debt free. And then you have the car, the motorbike, the house debt free, and you can just breathe a little bit more.\n\nYeah. Okay. Alright. Well, what what I would need to do, I guess, to be able to see, I guess, what financial impact is, you know, is gonna have for you. Because that is the way that we could apply to your superannuation fund, and we could remove some of the money from your super fund to pay out your mortgage.\n\nAnd you you could release that under under basically total impermeability. So we we would need to go through, like, the medical applications to do that. They're actually totally separate. The like, you can do them in tandem. One doesn't affect one one application does not affect the other.\n\nSo if you're approved for disability support pension and and rejected for superannuation, don't normally see that happen, to be completely honest with you, but let's just say, for argument's sake, it did happen. They don't they don't affect each other at all. So you're actually able to apply at the same time. But the good thing is is, obviously, with the disability support pension, the income increases from JobSeeker. You know?\n\nYou get that little bit extra, which is definitely gonna help out. Yeah. Yeah. It's sort of about that figure. Yeah.\n\nI mean, you know, little bit of change either outside. Yeah. Well yeah. You will. The thing is is with the Superfund, there are documents that you need filled out.\n\nSo if you are intending on going and seeing those doctors, what I can do is I can either email or post the documents to you that you're able to get filled out from those doctors when you go and talk to them. Obviously, any documents that you do receive from the hospital or other is still used for, but there is a very specific form that the that the super funds won't filled out because it has a very specific statement on it that they want the doctors to sign off declaring that you're likely never able not likely not going to work again. So I can get those documents to you. And then what I would ultimately, I guess, need from yourself is I would need, I guess, just that that latest mortgage statement would probably be the best thing because that just gives me the interest rate, so it tells me over the x number of years how much interest you're gonna pay. And I can then compare that to if we were gonna remove money from your super fund, you know, obviously, taking into consideration your wishes and and, and just run the numbers for you to present to you where everything lands.\n\nBecause that'll that that'll give a good a good indication as to, you know, how we can sort of proceed with everything. Yeah. Perfect. Well, I can I can get that happening where we we basically look at getting the getting the claim started? So I'll contact Netwealth, get them get them to issue the claims documents to me and get it started.\n\nWould you prefer the documents posted to you, or are you happy for them to be emailed? I can 100% do that. I'll get the claims documents issued, and then I'll get them all posted off to you. And I'll put little tabs on them to explain, like, who needs to fill out what. There'll be two different doctor's forms.\n\nSo two different doctors have to fill them out, and there'll be a little form for yourself to fill out as well. It just basically says, like, I declare that I am unfit for work because of blah. Nothing too too crazy and strenuous. And then you can, yeah, post them on back to me once they're all done. If you, of course, have any questions when the documents do arrive, you can, you know, you can, yeah, give me a call, ring, and and have a chat.\n\nEither myself or Caden here in the office will be able to help you out from a claims perspective, but what we'll do is we'll get that started and and go from there. Are you able to take a photo or email, text, whatever the case may be, like, that latest loan statement? Yeah. Yeah. Absolutely.\n\nWhat I'll do is do you want me to text you or email you so you can reply? Yeah. Perfect. I'll text you, and it'll just say from Larissa or Q. And, yeah, if you take a photo of that statement, I'll keep it on file.\n\nAnd then when I start getting all the research and everything put together, we can go from there. This is not something that we can turn around in a day, a week, or anything like that. It takes, yeah, it takes a little bit of time. The good thing is is that financially, I'm I'm glad to hear that you are doing okay. Obviously, it's a little bit tight, but that you're doing okay.\n\nYeah. Yeah. So you've had to just accept and tighten the belt as much as you can. Yeah. Well, let's let's alleviate some of that pressure, get that loan paid off, and and let you kinda breathe a little bit.\n\nThat's okay. So let me run through and start having a look at everything from my side. Once you get those those documents to me, we can go from there. Alright? Perfect.\n\nAlright. I will get that text message sent to you, and we can start start the process, start the claims and everything like that, and and we can go from there. Okay? That's absolutely okay. Well, did you have any other other questions while we were on the phone?\n\nOr okay. That's absolutely okay. You are 100% able to give me a call anytime that you have any questions, and and I'll be able to help you out. Alright? That's okay, Doug.\n\nI'll I look forward to working with you over the next coming couple of months and get it all done. Perfect. You sure will. Bye for now.","paragraphs":[{"sentences":[{"text":"Hi, Doug.","start":6.48,"end":7.04,"sentiment":"neutral","sentiment_score":0.2660263925790787},{"text":"It's Larissa from OC Financial.","start":7.04,"end":8.74,"sentiment":"neutral","sentiment_score":0.21874637007713318},{"text":"How are you going?","start":8.8,"end":9.7,"sentiment":"neutral","sentiment_score":0.2499193549156189},{"text":"Yeah.","start":12.0,"end":12.48,"sentiment":"positive","sentiment_score":0.3838498592376709},{"text":"I'm really well.","start":12.48,"end":13.44,"sentiment":"positive","sentiment_score":0.6189247171084086}],"sentiment":"neutral","sentiment_score":0.3244057377179464,"num_words":15,"start":6.48,"end":13.44},{"sentences":[{"text":"Thank you.","start":13.44,"end":14.259999,"sentiment":"positive","sentiment_score":0.7180366516113281},{"text":"I was just giving you a call following on from our conversation last week.","start":15.315001,"end":19.895,"sentiment":"neutral","sentiment_score":0.21766616297619684},{"text":"We were gonna go through and have a bit of a discussion.","start":20.915,"end":22.835,"sentiment":"neutral","sentiment_score":0.16577616706490517},{"text":"Just wanted to make sure that you were still okay to have that chat this morning.","start":22.835,"end":26.535,"sentiment":"neutral","sentiment_score":0.23982768785208464},{"text":"Perfect.","start":28.69,"end":29.19,"sentiment":"positive","sentiment_score":0.5145675539970398}],"sentiment":"neutral","sentiment_score":0.24054498109552597,"num_words":45,"start":13.44,"end":29.19},{"sentences":[{"text":"Before I jump into it, I do need to let you know our calls are recorded.","start":29.49,"end":32.21,"sentiment":"neutral","sentiment_score":0.11930832639336586},{"text":"And if I could just get you confirmed security, it's our full day full name, date of birth, and address for me.","start":32.21,"end":37.67,"sentiment":"neutral","sentiment_score":0.10530092126943848},{"text":"Perfect.","start":45.585,"end":46.085,"sentiment":"positive","sentiment_score":0.3925611972808838},{"text":"Appreciate it.","start":46.785,"end":47.684998,"sentiment":"positive","sentiment_score":0.45576149225234985},{"text":"Okay.","start":48.145,"end":48.645,"sentiment":"neutral","sentiment_score":0.04853028431534767}],"sentiment":"neutral","sentiment_score":0.1328135227695817,"num_words":42,"start":29.49,"end":48.645},{"sentences":[{"text":"So so sorry.","start":49.505,"end":51.45,"sentiment":"neutral","sentiment_score":-0.19664211571216583},{"text":"I'm losing my voice today.","start":51.45,"end":52.99,"sentiment":"negative","sentiment_score":-0.45985664129257203},{"text":"Following our conversation, I sent you an email with your like, with the the ATO, like, lost super search that we had received on your behalf from the ATO.","start":53.530003,"end":67.424995,"sentiment":"neutral","sentiment_score":-0.05864094236287577},{"text":"You were able to have a look at that one?","start":67.424995,"end":69.284996,"sentiment":"neutral","sentiment_score":-0.03440620917826891},{"text":"Yeah.","start":70.545,"end":71.045,"sentiment":"neutral","sentiment_score":0.006623930297791958}],"sentiment":"neutral","sentiment_score":-0.10265073007515942,"num_words":48,"start":49.505,"end":71.045},{"sentences":[{"text":"Did you make any phone calls or or sort of look into it at all?","start":71.505,"end":74.865,"sentiment":"neutral","sentiment_score":-0.0132099948823452},{"text":"Just no.","start":74.865,"end":76.784996,"sentiment":"neutral","sentiment_score":-0.1342959627509117},{"text":"No.","start":76.784996,"end":76.945,"sentiment":"neutral","sentiment_score":-0.20814530551433563},{"text":"That's okay.","start":76.945,"end":77.585,"sentiment":"neutral","sentiment_score":-0.12347640842199326},{"text":"Just so I knew where you were up to.","start":77.585,"end":79.445,"sentiment":"neutral","sentiment_score":-0.06829946198397213}],"sentiment":"neutral","sentiment_score":-0.05298396996383009,"num_words":29,"start":71.505,"end":79.445},{"sentences":[{"text":"That's absolutely okay.","start":79.505,"end":81.045,"sentiment":"neutral","sentiment_score":0.14625538885593414},{"text":"So with with sort of, I guess, where you're at medically and and what's kinda going on, you were you were explaining to me that, I guess, financially, you're not doing too too well and that you're sort of at the moment looking at applying for disability support pension.","start":82.82,"end":100.655,"sentiment":"neutral","sentiment_score":-0.12596141828262075},{"text":"Yeah.","start":109.93,"end":110.25,"sentiment":"neutral","sentiment_score":-0.11858167499303818},{"text":"It's a bit of an arduous process to apply for, and I, essentially, don't make anything easy, unfortunately.","start":110.25,"end":115.47,"sentiment":"negative","sentiment_score":-0.3475338882870144},{"text":"Yeah.","start":128.185,"end":128.685,"sentiment":"neutral","sentiment_score":0.1471252143383026}],"sentiment":"neutral","sentiment_score":-0.16611680248752236,"num_words":72,"start":79.505,"end":128.685},{"sentences":[{"text":"Okay.","start":129.865,"end":130.365,"sentiment":"neutral","sentiment_score":0.14060741662979126},{"text":"That's okay.","start":132.03001,"end":132.77,"sentiment":"positive","sentiment_score":0.35409344732761383},{"text":"So with with where you're at, I guess, financially, is it that you're like, do you if if you get approved for disability support pension, do you know what kind of income you've received from that?","start":134.43001,"end":147.58499,"sentiment":"neutral","sentiment_score":0.055968219673054084},{"text":"Have you have you looked into what No.","start":147.58499,"end":149.905,"sentiment":"neutral","sentiment_score":-0.08045046706683934},{"text":"That's okay.","start":149.905,"end":150.64499,"sentiment":"negative","sentiment_score":-0.5941131711006165}],"sentiment":"neutral","sentiment_score":0.021057553893449356,"num_words":49,"start":129.865,"end":150.64499},{"sentences":[{"text":"Well, have you have you by any chance I I know we only spoke last week, but have you by any chance contacted the what are they called?","start":173.855,"end":184.93,"sentiment":"neutral","sentiment_score":-0.018904886541089842},{"text":"The word will come to me.","start":188.67,"end":190.18999,"sentiment":"neutral","sentiment_score":-0.03436713293194771},{"text":"Sorry.","start":190.18999,"end":190.68999,"sentiment":"neutral","sentiment_score":-0.11518988758325575},{"text":"The union.","start":193.95,"end":194.76999,"sentiment":"neutral","sentiment_score":-0.030262636952102184},{"text":"The union rep.","start":194.90999,"end":196.035,"sentiment":"neutral","sentiment_score":-0.04526279494166374}],"sentiment":"neutral","sentiment_score":-0.02617607917636633,"num_words":40,"start":173.855,"end":196.035},{"sentences":[{"text":"Just had to think the way up they were.","start":196.195,"end":197.795,"sentiment":"neutral","sentiment_score":-0.19816677023967108},{"text":"No.","start":197.795,"end":198.035,"sentiment":"neutral","sentiment_score":-0.1616867333650589},{"text":"That's okay.","start":198.035,"end":198.77501,"sentiment":"neutral","sentiment_score":-0.09375892207026482},{"text":"Is that sort of on yeah.","start":199.395,"end":207.255,"sentiment":"neutral","sentiment_score":-0.1650811992585659},{"text":"Yeah.","start":213.57,"end":214.07,"sentiment":"neutral","sentiment_score":0.04955451935529709}],"sentiment":"neutral","sentiment_score":-0.16177043083466983,"num_words":19,"start":196.195,"end":214.07},{"sentences":[{"text":"If you spent if you spent a decent amount of time working there, and especially if your condition can be linked back, it's something that, you know, could be available to you.","start":214.85,"end":224.94499,"sentiment":"neutral","sentiment_score":0.07390393456444144},{"text":"When was the last time you worked in the Meetworks?","start":224.94499,"end":227.28499,"sentiment":"neutral","sentiment_score":-0.011962294206023216},{"text":"Do you know how many years you worked in the industry?","start":247.855,"end":250.03499,"sentiment":"neutral","sentiment_score":-0.012049289589578455},{"text":"Yeah.","start":256.655,"end":257.155,"sentiment":"neutral","sentiment_score":0.07116641104221344},{"text":"Okay.","start":258.83002,"end":259.33002,"sentiment":"neutral","sentiment_score":0.10503644496202467}],"sentiment":"neutral","sentiment_score":0.041617520627650346,"num_words":55,"start":214.85,"end":259.33002},{"sentences":[{"text":"Alright.","start":259.63,"end":260.13,"sentiment":"neutral","sentiment_score":0.14322017133235931},{"text":"Yeah.","start":262.51,"end":263.01,"sentiment":"neutral","sentiment_score":0.16990205645561218},{"text":"I guess so from my side, I guess, for me to be able to financially help you out and make sure that we can get you firing on all cylinders and and financially functional, I guess the best thing for me to do is to probably start with updating where all your finances are currently at and what's happening for yourself.","start":263.31,"end":283.955,"sentiment":"neutral","sentiment_score":0.2928771210498497},{"text":"So if I run through and have a look at, I guess, what details we have on on file for you and make sure they're still appropriate and accurate, that'll probably be a really good good start point.","start":284.57498,"end":300.05002,"sentiment":"neutral","sentiment_score":0.29992192316996424},{"text":"So I guess to start at the beginning, I have Bonnie Pierce as, I guess, your your spouse and next of kin.","start":301.805,"end":311.505,"sentiment":"neutral","sentiment_score":0.08367614532736214}],"sentiment":"neutral","sentiment_score":0.2554189828413773,"num_words":123,"start":259.63,"end":311.505},{"sentences":[{"text":"Still appropriate?","start":311.725,"end":312.465,"sentiment":"neutral","sentiment_score":0.060801127925515175},{"text":"Yep.","start":312.925,"end":313.32498,"sentiment":"neutral","sentiment_score":0.07121334969997406},{"text":"Perfect.","start":313.32498,"end":313.82498,"sentiment":"positive","sentiment_score":0.33339035511016846},{"text":"Now income wise, you're currently receiving JobSeeker.","start":314.91,"end":318.05002,"sentiment":"neutral","sentiment_score":0.09011202518429075},{"text":"Is that correct?","start":318.27002,"end":319.57,"sentiment":"neutral","sentiment_score":0.07102383797367413}],"sentiment":"neutral","sentiment_score":0.09786154649087361,"num_words":14,"start":311.725,"end":319.57},{"sentences":[{"text":"Now do you have any medical exemption for that one, or are they putting you through?","start":320.27002,"end":324.45,"sentiment":"neutral","sentiment_score":0.013419192750006914},{"text":"Good.","start":324.83002,"end":325.33002,"sentiment":"neutral","sentiment_score":0.2248669266700745},{"text":"Perfect.","start":328.525,"end":329.005,"sentiment":"positive","sentiment_score":0.3958878815174103},{"text":"Perfect.","start":329.005,"end":329.505,"sentiment":"positive","sentiment_score":0.46050214767456055},{"text":"So it's just a a matter of you sort of applying for the alteration between JobSeeker and disability support pension, which will give you that increased increased rates.","start":329.565,"end":339.345,"sentiment":"neutral","sentiment_score":0.09256744704076222}],"sentiment":"neutral","sentiment_score":0.08272026717028719,"num_words":47,"start":320.27002,"end":339.345},{"sentences":[{"text":"Alright.","start":341.04,"end":341.52002,"sentiment":"neutral","sentiment_score":0.2521428167819977},{"text":"Perfect.","start":341.52002,"end":342.02002,"sentiment":"positive","sentiment_score":0.3925655484199524},{"text":"Now aside from that, I have, like, debt wise and and position wise, I have that you have your your house.","start":344.0,"end":356.095,"sentiment":"neutral","sentiment_score":0.14042480148020245},{"text":"You you own your own home.","start":356.095,"end":357.635,"sentiment":"neutral","sentiment_score":0.19746491002539793},{"text":"And the the the debt that you have on it is about $20,000.","start":359.455,"end":362.735,"sentiment":"neutral","sentiment_score":0.004068635511570252}],"sentiment":"neutral","sentiment_score":0.11503121233545244,"num_words":42,"start":341.04,"end":362.735},{"sentences":[{"text":"Is that low like, that mortgage still that's okay.","start":362.735,"end":368.63,"sentiment":"neutral","sentiment_score":0.047556635095841356},{"text":"That's good.","start":368.63,"end":369.11002,"sentiment":"positive","sentiment_score":0.5686579346656799},{"text":"So we're you're still able to sort of have that paid off slowly?","start":369.11002,"end":372.01,"sentiment":"neutral","sentiment_score":0.22555778003655946},{"text":"That's good.","start":374.55002,"end":375.29,"sentiment":"positive","sentiment_score":0.41266390681266785},{"text":"And then we have the car and the motorbike about 10 and R8 in value.","start":375.51,"end":381.175,"sentiment":"neutral","sentiment_score":0.1213269978761673}],"sentiment":"neutral","sentiment_score":0.17421486603505001,"num_words":41,"start":362.735,"end":381.175},{"sentences":[{"text":"Perfect.","start":381.475,"end":381.955,"sentiment":"positive","sentiment_score":0.4593762755393982},{"text":"Is there anything on the redraw?","start":381.955,"end":384.035,"sentiment":"neutral","sentiment_score":0.023148444170753162},{"text":"I know you had a redraw previously.","start":384.035,"end":385.575,"sentiment":"neutral","sentiment_score":-0.007338557525404862},{"text":"Is there any money sitting on that redraw?","start":385.715,"end":387.715,"sentiment":"neutral","sentiment_score":-0.004952410119585693},{"text":"Or No.","start":387.715,"end":394.61002,"sentiment":"neutral","sentiment_score":-0.051903385668992996}],"sentiment":"neutral","sentiment_score":0.016811291066308815,"num_words":24,"start":381.475,"end":394.61002},{"sentences":[{"text":"That's okay.","start":394.61002,"end":395.43002,"sentiment":"neutral","sentiment_score":0.03635926661081612},{"text":"It's just it's it's good to sort of, I guess, know where you're at financially and whether, you know, the money that you're gonna get from Disability Support Pension is gonna be enough to cover off the debts that you have and, you know, if there's money sitting on the redraw, whether there's something we could do with that money to put you in a better financial position.","start":396.53003,"end":415.275,"sentiment":"neutral","sentiment_score":0.10399995946927983},{"text":"You know?","start":416.61502,"end":417.195,"sentiment":"neutral","sentiment_score":0.008701686281710863},{"text":"Yeah.","start":421.66998,"end":422.16998,"sentiment":"neutral","sentiment_score":0.04606570303440094},{"text":"So are you able to log in and have a look at how much is owing on the house?","start":422.47,"end":426.65,"sentiment":"neutral","sentiment_score":0.012422028095706514}],"sentiment":"neutral","sentiment_score":0.08091525420161855,"num_words":92,"start":394.61002,"end":426.65},{"sentences":[{"text":"No.","start":433.92502,"end":434.245,"sentiment":"neutral","sentiment_score":-0.1275639683008194},{"text":"That's okay.","start":434.245,"end":435.045,"sentiment":"neutral","sentiment_score":-0.07001777738332748},{"text":"I love an old pen and paper.","start":435.045,"end":436.745,"sentiment":"neutral","sentiment_score":-0.015502620488405228},{"text":"Absolutely.","start":436.965,"end":437.465,"sentiment":"neutral","sentiment_score":0.04058732092380524},{"text":"Do you do you know where the last statement is that you've received, or do you sort of just pop into the bank and and check?","start":438.565,"end":446.025,"sentiment":"neutral","sentiment_score":-0.027633466614553563}],"sentiment":"neutral","sentiment_score":-0.028486504798402656,"num_words":37,"start":433.92502,"end":446.025},{"sentences":[{"text":"Okay.","start":449.2,"end":449.7,"sentiment":"neutral","sentiment_score":0.005093271844089031},{"text":"That's okay.","start":450.0,"end":450.9,"sentiment":"neutral","sentiment_score":0.032339777797460556},{"text":"So you know that the the loan's about, like, just under sort of under $20,000.","start":451.68,"end":456.5,"sentiment":"neutral","sentiment_score":0.02098970301449299},{"text":"18.","start":458.655,"end":459.155,"sentiment":"neutral","sentiment_score":0.007130257785320282},{"text":"Okay.","start":459.215,"end":459.615,"sentiment":"neutral","sentiment_score":0.09996122121810912}],"sentiment":"neutral","sentiment_score":0.024585492582991718,"num_words":20,"start":449.2,"end":459.615},{"sentences":[{"text":"That's good.","start":459.615,"end":460.35498,"sentiment":"positive","sentiment_score":0.36052295565605164},{"text":"Fantastic news.","start":460.815,"end":462.115,"sentiment":"positive","sentiment_score":0.5489755570888519},{"text":"Do you know what the interest rate is on the mortgage?","start":462.97498,"end":466.275,"sentiment":"neutral","sentiment_score":0.004393892108716748},{"text":"Alright.","start":469.775,"end":470.01498,"sentiment":"neutral","sentiment_score":0.09043725579977036},{"text":"That's okay.","start":470.01498,"end":470.75497,"sentiment":"neutral","sentiment_score":0.1731930524110794}],"sentiment":"neutral","sentiment_score":0.12800851107264558,"num_words":18,"start":459.615,"end":470.75497},{"sentences":[{"text":"And do you know the term of the loan that's let like, that you have remaining?","start":471.29498,"end":475.06,"sentiment":"neutral","sentiment_score":0.03776821866631508},{"text":"No.","start":476.72,"end":476.88,"sentiment":"neutral","sentiment_score":-0.12558665871620178},{"text":"That's okay.","start":476.88,"end":477.62,"sentiment":"neutral","sentiment_score":-0.03740048594772816},{"text":"Alright.","start":477.68,"end":478.18,"sentiment":"neutral","sentiment_score":0.07512086629867554},{"text":"So it's about $18,000.","start":478.63998,"end":480.34,"sentiment":"neutral","sentiment_score":0.0548630403354764}],"sentiment":"neutral","sentiment_score":0.029103203987081844,"num_words":24,"start":471.29498,"end":480.34},{"sentences":[{"text":"Here, let's put it this way.","start":481.12,"end":482.0,"sentiment":"neutral","sentiment_score":0.06716552252570789},{"text":"Do you know what the mortgage repayments are each week or months?","start":482.0,"end":485.54,"sentiment":"neutral","sentiment_score":0.0032875719480216503},{"text":"Fine.","start":489.065,"end":489.38498,"sentiment":"neutral","sentiment_score":0.16226866841316223},{"text":"That's good.","start":489.38498,"end":490.745,"sentiment":"neutral","sentiment_score":0.2235983908176422},{"text":"I'm No.","start":490.745,"end":492.525,"sentiment":"neutral","sentiment_score":0.04085052013397217}],"sentiment":"neutral","sentiment_score":0.049287412558560784,"num_words":23,"start":481.12,"end":492.525},{"sentences":[{"text":"That's okay.","start":492.985,"end":493.805,"sentiment":"neutral","sentiment_score":0.053993579000234604},{"text":"Not a problem at all.","start":494.345,"end":496.04498,"sentiment":"neutral","sentiment_score":0.11851046830415726},{"text":"I'm assuming that your partner, like, the Bonnie works and earns an income?","start":496.505,"end":501.62,"sentiment":"neutral","sentiment_score":0.03706008826310818},{"text":"Oh, okay.","start":506.4,"end":506.96,"sentiment":"neutral","sentiment_score":-0.009999483823776245},{"text":"So where like, do you guys reside together but not in a de facto relationship?","start":506.96,"end":512.02,"sentiment":"neutral","sentiment_score":-0.008213025207320849}],"sentiment":"neutral","sentiment_score":0.02808449462660261,"num_words":37,"start":492.985,"end":512.02},{"sentences":[{"text":"Hi.","start":513.615,"end":514.115,"sentiment":"neutral","sentiment_score":0.03132129833102226},{"text":"So the the I love it.","start":514.495,"end":522.01495,"sentiment":"neutral","sentiment_score":0.325929573426644},{"text":"Nothing wrong with that at all.","start":522.01495,"end":523.63495,"sentiment":"positive","sentiment_score":0.35553443680206936},{"text":"So with, I guess, your single status, are you like, the ownership of the property, is it, like, a 100% yours?","start":525.10004,"end":534.4,"sentiment":"neutral","sentiment_score":0.0808310363264311},{"text":"Do you guys do you share it with Bonnie who Does Bonnie pay, like, board for residing?","start":534.46,"end":544.57495,"sentiment":"neutral","sentiment_score":-0.008925695629680859}],"sentiment":"neutral","sentiment_score":0.11109451562458393,"num_words":51,"start":513.615,"end":544.57495},{"sentences":[{"text":"No?","start":544.71497,"end":545.21497,"sentiment":"neutral","sentiment_score":-0.10743989050388336},{"text":"Oh, sorry.","start":547.27496,"end":547.995,"sentiment":"neutral","sentiment_score":-0.11880548298358917},{"text":"Apologies.","start":547.995,"end":548.495,"sentiment":"neutral","sentiment_score":-0.18413510918617249},{"text":"I thought she still, like, lives at the house when she was off swing or off off work.","start":548.555,"end":554.02,"sentiment":"neutral","sentiment_score":-0.13141130531827608},{"text":"Okay.","start":554.02,"end":554.52,"sentiment":"neutral","sentiment_score":-0.06363817304372787}],"sentiment":"neutral","sentiment_score":-0.12861859280130136,"num_words":23,"start":544.71497,"end":554.52},{"sentences":[{"text":"So just just you by yourself at at at in the house.","start":555.7,"end":559.08,"sentiment":"neutral","sentiment_score":-0.041340675204992294},{"text":"Oh, beautiful.","start":562.34,"end":563.09,"sentiment":"neutral","sentiment_score":0.26527997106313705},{"text":"Yeah.","start":567.285,"end":567.445,"sentiment":"neutral","sentiment_score":-0.06717083603143692},{"text":"Is she paying any rental board to help you along, or are you able to Okay.","start":567.445,"end":576.89996,"sentiment":"neutral","sentiment_score":0.03639202573685907},{"text":"That's good.","start":576.89996,"end":577.7,"sentiment":"positive","sentiment_score":0.4924126863479614}],"sentiment":"neutral","sentiment_score":0.046496932973351446,"num_words":33,"start":555.7,"end":577.7},{"sentences":[{"text":"Because I I I assume the money that you're getting from Centrelink is not enough to pay the mortgage.","start":577.7,"end":582.68,"sentiment":"neutral","sentiment_score":-0.038790946336168995},{"text":"Oh, it's covering it?","start":585.62,"end":586.82,"sentiment":"neutral","sentiment_score":0.05422774609178305},{"text":"And, like, leaving still leaving you with a little bit to be able to, like, pay the bills and eat?","start":586.82,"end":592.325,"sentiment":"neutral","sentiment_score":0.0734362573362887},{"text":"Okay.","start":594.385,"end":594.78503,"sentiment":"neutral","sentiment_score":0.0943647474050522},{"text":"No.","start":594.78503,"end":594.945,"sentiment":"neutral","sentiment_score":0.051540836691856384}],"sentiment":"neutral","sentiment_score":0.02432252744005786,"num_words":45,"start":577.7,"end":594.945},{"sentences":[{"text":"That's okay.","start":594.945,"end":595.585,"sentiment":"neutral","sentiment_score":0.1476261243224144},{"text":"That's good.","start":595.585,"end":596.065,"sentiment":"positive","sentiment_score":0.40719497203826904},{"text":"Probably should've started with that question then.","start":596.065,"end":598.16504,"sentiment":"neutral","sentiment_score":0.04172213827925069},{"text":"Okay.","start":598.865,"end":599.365,"sentiment":"neutral","sentiment_score":0.035021327435970306},{"text":"Okay.","start":600.625,"end":601.025,"sentiment":"neutral","sentiment_score":0.04986618459224701}],"sentiment":"neutral","sentiment_score":0.11435266713110301,"num_words":13,"start":594.945,"end":601.025},{"sentences":[{"text":"So we're we're doing okay financially, but I think I I guess the stress would be removed if you were able to have no mortgage anymore.","start":601.025,"end":610.53,"sentiment":"neutral","sentiment_score":0.037918479253466315},{"text":"Is that correct?","start":610.53,"end":611.43,"sentiment":"neutral","sentiment_score":0.03393516317009926},{"text":"Okay.","start":612.93,"end":613.41,"sentiment":"neutral","sentiment_score":0.09582222998142242},{"text":"So I guess what you're looking for is just the ability to be able to pay off the mortgage and just be be debt free.","start":613.41,"end":620.715,"sentiment":"neutral","sentiment_score":0.11726551443338394},{"text":"And then you have the car, the motorbike, the house debt free, and you can just breathe a little bit more.","start":620.715,"end":626.575,"sentiment":"neutral","sentiment_score":0.17656056511969792}],"sentiment":"neutral","sentiment_score":0.10293313037408025,"num_words":76,"start":601.025,"end":626.575},{"sentences":[{"text":"Yeah.","start":627.835,"end":628.155,"sentiment":"neutral","sentiment_score":0.07013708353042603},{"text":"Okay.","start":628.155,"end":628.655,"sentiment":"neutral","sentiment_score":0.08149571716785431},{"text":"Alright.","start":629.195,"end":629.59503,"sentiment":"neutral","sentiment_score":0.10200219601392746},{"text":"Well, what what I would need to do, I guess, to be able to see, I guess, what financial impact is, you know, is gonna have for you.","start":629.59503,"end":638.11,"sentiment":"neutral","sentiment_score":0.0969378650188446},{"text":"Because that is the way that we could apply to your superannuation fund, and we could remove some of the money from your super fund to pay out your mortgage.","start":638.25,"end":646.545,"sentiment":"neutral","sentiment_score":0.05327838237086932}],"sentiment":"neutral","sentiment_score":0.07485650308796617,"num_words":61,"start":627.835,"end":646.545},{"sentences":[{"text":"And you you could release that under under basically total impermeability.","start":647.745,"end":651.125,"sentiment":"neutral","sentiment_score":0.03332979553802447},{"text":"So we we would need to go through, like, the medical applications to do that.","start":651.985,"end":656.005,"sentiment":"neutral","sentiment_score":0.00331771324078242},{"text":"They're actually totally separate.","start":665.12,"end":667.3,"sentiment":"neutral","sentiment_score":0.02913634735159576},{"text":"The like, you can do them in tandem.","start":667.44,"end":669.3,"sentiment":"neutral","sentiment_score":0.10142964776605368},{"text":"One doesn't affect one one application does not affect the other.","start":670.24,"end":673.46,"sentiment":"neutral","sentiment_score":0.07655573331496933}],"sentiment":"neutral","sentiment_score":0.04462222627611184,"num_words":49,"start":647.745,"end":673.46},{"sentences":[{"text":"So if you're approved for disability support pension and and rejected for superannuation, don't normally see that happen, to be completely honest with you, but let's just say, for argument's sake, it did happen.","start":673.625,"end":683.08496,"sentiment":"neutral","sentiment_score":-0.1172616178279414},{"text":"They don't they don't affect each other at all.","start":683.625,"end":686.185,"sentiment":"neutral","sentiment_score":0.08682744867271847},{"text":"So you're actually able to apply at the same time.","start":686.185,"end":689.245,"sentiment":"positive","sentiment_score":0.3942458599805832},{"text":"But the good thing is is, obviously, with the disability support pension, the income increases from JobSeeker.","start":690.4,"end":695.54004,"sentiment":"positive","sentiment_score":0.6075043555568246},{"text":"You know?","start":695.68,"end":696.0,"sentiment":"neutral","sentiment_score":0.19605490565299988}],"sentiment":"neutral","sentiment_score":0.15912075677058762,"num_words":72,"start":673.625,"end":696.0},{"sentences":[{"text":"You get that little bit extra, which is definitely gonna help out.","start":696.0,"end":699.46,"sentiment":"neutral","sentiment_score":0.17522961956759295},{"text":"Yeah.","start":702.735,"end":703.055,"sentiment":"neutral","sentiment_score":0.08327789604663849},{"text":"Yeah.","start":703.055,"end":703.295,"sentiment":"neutral","sentiment_score":0.06470581889152527},{"text":"It's sort of about that figure.","start":703.295,"end":705.21497,"sentiment":"neutral","sentiment_score":0.044146876161297165},{"text":"Yeah.","start":705.21497,"end":705.615,"sentiment":"neutral","sentiment_score":0.0434645302593708}],"sentiment":"neutral","sentiment_score":0.12186118747506823,"num_words":21,"start":696.0,"end":705.615},{"sentences":[{"text":"I mean, you know, little bit of change either outside.","start":705.615,"end":707.71497,"sentiment":"neutral","sentiment_score":-0.0751450253650546},{"text":"Yeah.","start":725.645,"end":726.145,"sentiment":"neutral","sentiment_score":0.03139318898320198},{"text":"Well yeah.","start":729.805,"end":734.445,"sentiment":"neutral","sentiment_score":0.04401216469705105},{"text":"You will.","start":734.445,"end":735.265,"sentiment":"neutral","sentiment_score":0.06652733497321606},{"text":"The thing is is with the Superfund, there are documents that you need filled out.","start":736.285,"end":740.385,"sentiment":"neutral","sentiment_score":0.011463683346907299}],"sentiment":"neutral","sentiment_score":-0.01090076050410668,"num_words":30,"start":705.615,"end":740.385},{"sentences":[{"text":"So if you are intending on going and seeing those doctors, what I can do is I can either email or post the documents to you that you're able to get filled out from those doctors when you go and talk to them.","start":740.46,"end":751.92004,"sentiment":"neutral","sentiment_score":0.10482267662882805},{"text":"Obviously, any documents that you do receive from the hospital or other is still used for, but there is a very specific form that the that the super funds won't filled out because it has a very specific statement on it that they want the doctors to sign off declaring that you're likely never able not likely not going to work again.","start":752.30005,"end":770.295,"sentiment":"neutral","sentiment_score":-0.20435204849608482},{"text":"So I can get those documents to you.","start":771.41003,"end":773.35004,"sentiment":"neutral","sentiment_score":0.07419819617643952},{"text":"And then what I would ultimately, I guess, need from yourself is I would need, I guess, just that that latest mortgage statement would probably be the best thing because that just gives me the interest rate, so it tells me over the x number of years how much interest you're gonna pay.","start":773.41003,"end":788.885,"sentiment":"neutral","sentiment_score":0.14130416421114272},{"text":"And I can then compare that to if we were gonna remove money from your super fund, you know, obviously, taking into consideration your wishes and and, and just run the numbers for you to present to you where everything lands.","start":790.30505,"end":802.81,"sentiment":"neutral","sentiment_score":0.10584016453202177}],"sentiment":"neutral","sentiment_score":0.020578266215929085,"num_words":207,"start":740.46,"end":802.81},{"sentences":[{"text":"Because that'll that that'll give a good a good indication as to, you know, how we can sort of proceed with everything.","start":803.19,"end":809.37,"sentiment":"neutral","sentiment_score":0.18470847149464217},{"text":"Yeah.","start":811.35,"end":811.85,"sentiment":"neutral","sentiment_score":0.1321863830089569},{"text":"Perfect.","start":812.31,"end":812.79,"sentiment":"positive","sentiment_score":0.440575897693634},{"text":"Well, I can I can get that happening where we we basically look at getting the getting the claim started?","start":812.79,"end":820.765,"sentiment":"positive","sentiment_score":0.3340323828160763},{"text":"So I'll contact Netwealth, get them get them to issue the claims documents to me and get it started.","start":820.765,"end":827.745,"sentiment":"neutral","sentiment_score":0.22705738638576708}],"sentiment":"neutral","sentiment_score":0.2481124865275527,"num_words":63,"start":803.19,"end":827.745},{"sentences":[{"text":"Would you prefer the documents posted to you, or are you happy for them to be emailed?","start":827.84,"end":832.02,"sentiment":"neutral","sentiment_score":0.16283394396305084},{"text":"I can 100% do that.","start":834.72003,"end":836.16003,"sentiment":"positive","sentiment_score":0.7473099708557129},{"text":"I'll get the claims documents issued, and then I'll get them all posted off to you.","start":836.16003,"end":839.78,"sentiment":"positive","sentiment_score":0.43422434851527214},{"text":"And I'll put little tabs on them to explain, like, who needs to fill out what.","start":840.0,"end":843.315,"sentiment":"neutral","sentiment_score":0.12319747917354107},{"text":"There'll be two different doctor's forms.","start":843.395,"end":845.235,"sentiment":"neutral","sentiment_score":0.018779681840290625}],"sentiment":"neutral","sentiment_score":0.2589359039285531,"num_words":60,"start":827.84,"end":845.235},{"sentences":[{"text":"So two different doctors have to fill them out, and there'll be a little form for yourself to fill out as well.","start":845.235,"end":850.455,"sentiment":"neutral","sentiment_score":0.0653536587276242},{"text":"It just basically says, like, I declare that I am unfit for work because of blah.","start":851.875,"end":856.215,"sentiment":"negative","sentiment_score":-0.4106265250593424},{"text":"Nothing too too crazy and strenuous.","start":857.67,"end":859.61,"sentiment":"negative","sentiment_score":-0.4923313756783803},{"text":"And then you can, yeah, post them on back to me once they're all done.","start":859.91,"end":863.21,"sentiment":"neutral","sentiment_score":0.06378852675358454},{"text":"If you, of course, have any questions when the documents do arrive, you can, you know, you can, yeah, give me a call, ring, and and have a chat.","start":863.51,"end":872.005,"sentiment":"neutral","sentiment_score":0.1515762296601616}],"sentiment":"neutral","sentiment_score":-0.031064700017767875,"num_words":88,"start":845.235,"end":872.005},{"sentences":[{"text":"Either myself or Caden here in the office will be able to help you out from a claims perspective, but what we'll do is we'll get that started and and go from there.","start":872.005,"end":882.985,"sentiment":"neutral","sentiment_score":0.20121428980068726},{"text":"Are you able to take a photo or email, text, whatever the case may be, like, that latest loan statement?","start":883.55,"end":895.25,"sentiment":"neutral","sentiment_score":0.1443822156637907},{"text":"Yeah.","start":898.575,"end":898.895,"sentiment":"neutral","sentiment_score":0.1012285053730011},{"text":"Yeah.","start":898.895,"end":899.135,"sentiment":"neutral","sentiment_score":0.14732670783996582},{"text":"Absolutely.","start":899.135,"end":899.615,"sentiment":"neutral","sentiment_score":0.2147079706192017}],"sentiment":"neutral","sentiment_score":0.17841034036661899,"num_words":56,"start":872.005,"end":899.615},{"sentences":[{"text":"What I'll do is do you want me to text you or email you so you can reply?","start":899.615,"end":903.395,"sentiment":"neutral","sentiment_score":0.11336810017625491},{"text":"Yeah.","start":906.895,"end":907.375,"sentiment":"neutral","sentiment_score":0.20694702863693237},{"text":"Perfect.","start":907.375,"end":907.775,"sentiment":"positive","sentiment_score":0.411077082157135},{"text":"I'll text you, and it'll just say from Larissa or Q.","start":907.775,"end":910.87,"sentiment":"neutral","sentiment_score":0.18788112970915707},{"text":"And, yeah, if you take a photo of that statement, I'll keep it on file.","start":911.57,"end":914.13,"sentiment":"neutral","sentiment_score":0.22725527882575988}],"sentiment":"neutral","sentiment_score":0.1768298157207344,"num_words":46,"start":899.615,"end":914.13},{"sentences":[{"text":"And then when I start getting all the research and everything put together, we can go from there.","start":914.13,"end":918.39,"sentiment":"neutral","sentiment_score":0.26077419022719067},{"text":"This is not something that we can turn around in a day, a week, or anything like that.","start":918.45,"end":923.25,"sentiment":"neutral","sentiment_score":-0.0018609742530518109},{"text":"It takes, yeah, it takes a little bit of time.","start":923.25,"end":927.535,"sentiment":"neutral","sentiment_score":-0.12621481195092202},{"text":"The good thing is is that financially, I'm I'm glad to hear that you are doing okay.","start":927.535,"end":932.115,"sentiment":"positive","sentiment_score":0.5379631782279295},{"text":"Obviously, it's a little bit tight, but that you're doing okay.","start":932.65497,"end":935.635,"sentiment":"neutral","sentiment_score":0.08975365622477098}],"sentiment":"neutral","sentiment_score":0.18285072995098056,"num_words":74,"start":914.13,"end":935.635},{"sentences":[{"text":"Yeah.","start":939.22003,"end":939.62,"sentiment":"neutral","sentiment_score":0.05398440361022949},{"text":"Yeah.","start":939.62,"end":939.94,"sentiment":"neutral","sentiment_score":0.04054853320121765},{"text":"So you've had to just accept and tighten the belt as much as you can.","start":939.94,"end":943.48004,"sentiment":"neutral","sentiment_score":0.019301220029592513},{"text":"Yeah.","start":946.98004,"end":947.38,"sentiment":"neutral","sentiment_score":0.2188872992992401},{"text":"Well, let's let's alleviate some of that pressure, get that loan paid off, and and let you kinda breathe a little bit.","start":947.38,"end":954.275,"sentiment":"neutral","sentiment_score":0.13072838024659592}],"sentiment":"neutral","sentiment_score":0.08697407254949212,"num_words":40,"start":939.22003,"end":954.275},{"sentences":[{"text":"That's okay.","start":956.575,"end":957.375,"sentiment":"neutral","sentiment_score":0.15072427690029144},{"text":"So let me run through and start having a look at everything from my side.","start":957.375,"end":961.215,"sentiment":"neutral","sentiment_score":0.18309692194064459},{"text":"Once you get those those documents to me, we can go from there.","start":961.215,"end":964.09503,"sentiment":"neutral","sentiment_score":0.17082098011787122},{"text":"Alright?","start":964.09503,"end":964.59503,"sentiment":"neutral","sentiment_score":0.1376865804195404},{"text":"Perfect.","start":967.01,"end":967.51,"sentiment":"positive","sentiment_score":0.4212567210197449}],"sentiment":"neutral","sentiment_score":0.1821099508088082,"num_words":32,"start":956.575,"end":967.51},{"sentences":[{"text":"Alright.","start":967.73004,"end":968.23004,"sentiment":"neutral","sentiment_score":0.1954975724220276},{"text":"I will get that text message sent to you, and we can start start the process, start the claims and everything like that, and and we can go from there.","start":968.29004,"end":977.49,"sentiment":"neutral","sentiment_score":0.22099955826997758},{"text":"Okay?","start":977.49,"end":977.99,"sentiment":"neutral","sentiment_score":0.3130176067352295},{"text":"That's absolutely okay.","start":980.035,"end":981.075,"sentiment":"positive","sentiment_score":0.6462130149205526},{"text":"Well, did you have any other other questions while we were on the phone?","start":981.075,"end":984.215,"sentiment":"neutral","sentiment_score":0.058329831808805466}],"sentiment":"neutral","sentiment_score":0.20191344117023508,"num_words":49,"start":967.73004,"end":984.215},{"sentences":[{"text":"Or okay.","start":984.275,"end":987.175,"sentiment":"neutral","sentiment_score":0.03286143019795418},{"text":"That's absolutely okay.","start":987.235,"end":988.435,"sentiment":"positive","sentiment_score":0.42334895332654315},{"text":"You are 100% able to give me a call anytime that you have any questions, and and I'll be able to help you out.","start":988.435,"end":994.42,"sentiment":"positive","sentiment_score":0.4504925236105919},{"text":"Alright?","start":994.42,"end":994.92,"sentiment":"positive","sentiment_score":0.369723379611969},{"text":"That's okay, Doug.","start":996.82,"end":998.2,"sentiment":"positive","sentiment_score":0.6601258118947347}],"sentiment":"positive","sentiment_score":0.43932397279775504,"num_words":33,"start":984.275,"end":998.2},{"sentences":[{"text":"I'll I look forward to working with you over the next coming couple of months and get it all done.","start":998.42,"end":1003.8,"sentiment":"positive","sentiment_score":0.6080833211541176},{"text":"Perfect.","start":1004.8109,"end":1005.3109,"sentiment":"positive","sentiment_score":0.7764167785644531},{"text":"You sure will.","start":1006.7309,"end":1007.8709,"sentiment":"positive","sentiment_score":0.47276486953099567},{"text":"Bye for now.","start":1008.4109,"end":1009.39087,"sentiment":"neutral","sentiment_score":0.16995956003665924}],"sentiment":"positive","sentiment_score":0.5506020922351766,"num_words":27,"start":998.42,"end":1009.39087}]}}]},{"alternatives":[{"transcript":"Good morning. Hello? I'm not too bad. You sure? Yes. Yeah. No problems at all. Douglas John McDonald. 294 Wild Lane, Moisten. Is that correct? Yes. Yes. No. Yep. Yes. So I think I am here. I'm sorta started the process. It's a little bit daunting now at the moment. But anyway, I just have to keep putting along. No. It doesn't. I've waited five years for the first knee operation and then got another knee operation after that. And then I've had a tow fusion, so I've got a few that go on. Anyway. No. No. I haven't got a full at the moment either. I've just been looking at the options. That's all I thought that well, because I was started in the Meatworks at 15, and I my body's broken down from all that heavy work. I thought that I'd have a bit of a chance to get in upon a bit of insurance claim. But, anyway, it's not there. It's not there. Yeah. Now you're on. No. I haven't. No. I haven't I haven't I haven't worked in a meet going for a fair while, but I've worked in it for a long, long time. You know what I mean? Like, I'm 54 now, but I would've spent quite a bit of my life in those places. You know what I mean? I got out of it when I was oh, I can't remember the age, but I ended up going back to it a little while too when I got out of the truck, but I didn't stay there very long on the second round. You know what I mean? But, anyway oh, not off the top of my head, but I could work it out. It's been a lot lot it's been years and years. Complete years. Yeah. Yeah. Anyway, I gotta work it all out. Yep. Yeah. Okay. Yeah. Yep. Yep. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. No. I've had medical all the way through. Yeah. That that's correct. Yep. Yeah. Yeah. Yeah. Yeah. It's it's probably less than that now. Yeah. No. I'm going alright with that. Yep. Yep. Yep. She's side, but I got no really interested in doing any redoing. And yeah. Yeah. Yeah. Yeah. Yeah. I just I I'd be happy just to have that line fixed up. That's all. I don't have I don't do Internet banking whatsoever. I do not trust any online stuff. No. No. No. I have to pay this here, but I've got it all tucked away. Yeah. It's a bit late in. Yeah. It's just changed recently, but I don't know. Yep. No. Yep. No. But I pay extra anyway. Sorry. I don't name it, but it's all good. Yes. But we're not partners anymore. She works away, and she's not here. That's correct. Yep. I'm not I'm not a I'm not a single at the moment. Yeah. No. It's not. It's all it's it's all belongs to me. Yep. No. No. No. No. She don't she she doesn't live here. No. No. No. Yeah. I've got my daughter here. But she she works, but she's cruising on her right here. Well, she could she just helps me out here in LA when I need it. Yeah. Yeah. Yeah. That's what's covered it. Yeah. Yeah. Yeah. Yeah. Yeah. I'm doing okay. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. It's yeah. That'd be right. Yep. Yep. Cool. Yeah. Yep. Yeah. I'd have a better chance once I do get the disability pension, might I? Because once I've got that, there's more or less sort of there's Yep. Yeah. Yeah. Yeah. Yeah. Yeah. An extra four 100. I I think it's an extra 400. But but I think I I I'd have a bit more of a conversation for you once I because I gotta go and get all the medical details and then get out of hospitals and all these other places where I've been treated from and stuff like that. And I probably need to get some reports and stuff like that from a specialist that's done all his surgery and things like that and gather up a bit of a an evidence trial. You know what I mean? Yep. Okay. Yep. Yes. Yes. Okay. Yep. We're not calling. Sure. Yes. Yes. Post it to me would be fantastic. Yeah. I can. Yep. Yep. Yep. Yep. Cool. Yes. Okay. What? I can do that later on this morning when I find it. Yeah? Just a text will be fine. It'll it'll be open. Cool. No. No. No. No. No. I I I understand that. I've been doing it I've been doing it for a long time. Well, I've done it well. I think it's all good. Mhmm. No problem at all. Thank you. Yeah. Not a problem at all. Yep. That'd be awesome. Thank you very much. No. Not at the moment. Yep. Good on you. Thank you very much. Okay then. Thank you. I'll be hearing from you then soon. Alright. Bye. 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morning. Hello? I'm not too bad. You sure? Yes.\n\nYeah. No problems at all. Douglas John McDonald. 294 Wild Lane, Moisten. Is that correct?\n\nYes. Yes. No. Yep. Yes.\n\nSo I think I am here. I'm sorta started the process. It's a little bit daunting now at the moment. But anyway, I just have to keep putting along. No.\n\nIt doesn't. I've waited five years for the first knee operation and then got another knee operation after that. And then I've had a tow fusion, so I've got a few that go on. Anyway. No.\n\nNo. I haven't got a full at the moment either. I've just been looking at the options. That's all I thought that well, because I was started in the Meatworks at 15, and I my body's broken down from all that heavy work. I thought that I'd have a bit of a chance to get in upon a bit of insurance claim.\n\nBut, anyway, it's not there. It's not there. Yeah. Now you're on. No.\n\nI haven't. No. I haven't I haven't I haven't worked in a meet going for a fair while, but I've worked in it for a long, long time. You know what I mean? Like, I'm 54 now, but I would've spent quite a bit of my life in those places.\n\nYou know what I mean? I got out of it when I was oh, I can't remember the age, but I ended up going back to it a little while too when I got out of the truck, but I didn't stay there very long on the second round. You know what I mean? But, anyway oh, not off the top of my head, but I could work it out. It's been a lot lot it's been years and years.\n\nComplete years. Yeah. Yeah. Anyway, I gotta work it all out. Yep.\n\nYeah. Okay. Yeah. Yep. Yep.\n\nYep. Yeah. Yeah. Yeah. Yeah.\n\nYeah. No. I've had medical all the way through. Yeah. That that's correct.\n\nYep. Yeah. Yeah. Yeah. Yeah.\n\nIt's it's probably less than that now. Yeah. No. I'm going alright with that. Yep.\n\nYep. Yep. She's side, but I got no really interested in doing any redoing. And yeah. Yeah.\n\nYeah. Yeah. Yeah. I just I I'd be happy just to have that line fixed up. That's all.\n\nI don't have I don't do Internet banking whatsoever. I do not trust any online stuff. No. No. No.\n\nI have to pay this here, but I've got it all tucked away. Yeah. It's a bit late in. Yeah. It's just changed recently, but I don't know.\n\nYep. No. Yep. No. But I pay extra anyway.\n\nSorry. I don't name it, but it's all good. Yes. But we're not partners anymore. She works away, and she's not here.\n\nThat's correct. Yep. I'm not I'm not a I'm not a single at the moment. Yeah. No.\n\nIt's not. It's all it's it's all belongs to me. Yep. No. No.\n\nNo. No. She don't she she doesn't live here. No. No.\n\nNo. Yeah. I've got my daughter here. But she she works, but she's cruising on her right here. Well, she could she just helps me out here in LA when I need it.\n\nYeah. Yeah. Yeah. That's what's covered it. Yeah.\n\nYeah. Yeah. Yeah. Yeah. I'm doing okay.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. It's yeah. That'd be right. Yep. Yep.\n\nCool. Yeah. Yep. Yeah. I'd have a better chance once I do get the disability pension, might I?\n\nBecause once I've got that, there's more or less sort of there's Yep. Yeah. Yeah. Yeah. Yeah.\n\nYeah. An extra four 100. I I think it's an extra 400. But but I think I I I'd have a bit more of a conversation for you once I because I gotta go and get all the medical details and then get out of hospitals and all these other places where I've been treated from and stuff like that. And I probably need to get some reports and stuff like that from a specialist that's done all his surgery and things like that and gather up a bit of a an evidence trial.\n\nYou know what I mean? Yep. Okay. Yep. Yes.\n\nYes. Okay. Yep. We're not calling. Sure.\n\nYes. Yes. Post it to me would be fantastic. Yeah. I can.\n\nYep. Yep. Yep. Yep. Cool.\n\nYes. Okay. What? I can do that later on this morning when I find it. Yeah?\n\nJust a text will be fine. It'll it'll be open. Cool. No. No.\n\nNo. No. No. I I I understand that. I've been doing it I've been doing it for a long time.\n\nWell, I've done it well. I think it's all good. Mhmm. No problem at all. Thank you.\n\nYeah. Not a problem at all. Yep. That'd be awesome. Thank you very much.\n\nNo. Not at the moment. Yep. Good on you. Thank you very much.\n\nOkay then. Thank you. I'll be hearing from you then soon. Alright. Bye.\n\nAlright.","paragraphs":[{"sentences":[{"text":"Good morning.","start":0.56,"end":1.22,"sentiment":"neutral","sentiment_score":0.29979462921619415},{"text":"Hello?","start":3.76,"end":4.26,"sentiment":"neutral","sentiment_score":0.15457770228385925},{"text":"I'm not too bad.","start":9.92,"end":10.8,"sentiment":"neutral","sentiment_score":0.21798596158623695},{"text":"You sure?","start":10.8,"end":11.46,"sentiment":"neutral","sentiment_score":0.1691712588071823},{"text":"Yes.","start":20.175,"end":20.675,"sentiment":"neutral","sentiment_score":0.1716902256011963}],"sentiment":"neutral","sentiment_score":0.21361435502767562,"num_words":10,"start":0.56,"end":20.675},{"sentences":[{"text":"Yeah.","start":26.92,"end":27.16,"sentiment":"neutral","sentiment_score":0.150893896818161},{"text":"No problems at all.","start":27.16,"end":28.380001,"sentiment":"neutral","sentiment_score":0.250635351985693},{"text":"Douglas John 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can.","start":844.145,"end":844.805,"sentiment":"neutral","sentiment_score":0.017559954896569252}],"sentiment":"positive","sentiment_score":0.4702725484967232,"num_words":12,"start":822.915,"end":844.805},{"sentences":[{"text":"Yep.","start":847.265,"end":847.765,"sentiment":"neutral","sentiment_score":0.07866610586643219},{"text":"Yep.","start":850.865,"end":851.365,"sentiment":"neutral","sentiment_score":-0.07472077757120132},{"text":"Yep.","start":860.08,"end":860.58,"sentiment":"neutral","sentiment_score":0.0030251506250351667},{"text":"Yep.","start":863.44,"end":863.835,"sentiment":"neutral","sentiment_score":0.14446662366390228},{"text":"Cool.","start":883.45,"end":883.95,"sentiment":"positive","sentiment_score":0.39957746863365173}],"sentiment":"neutral","sentiment_score":0.11020291424356402,"num_words":5,"start":847.265,"end":883.95},{"sentences":[{"text":"Yes.","start":893.365,"end":893.865,"sentiment":"neutral","sentiment_score":0.11002764105796814},{"text":"Okay.","start":894.28503,"end":894.78503,"sentiment":"neutral","sentiment_score":0.06278062611818314},{"text":"What?","start":895.205,"end":895.685,"sentiment":"neutral","sentiment_score":0.06657920777797699},{"text":"I can do that later on this morning when I find it.","start":895.685,"end":897.925,"sentiment":"neutral","sentiment_score":0.1358826979994774},{"text":"Yeah?","start":897.925,"end":898.425,"sentiment":"neutral","sentiment_score":0.09425337612628935}],"sentiment":"neutral","sentiment_score":0.12276457669213414,"num_words":16,"start":893.365,"end":898.425},{"sentences":[{"text":"Just a text will be fine.","start":904.72504,"end":906.66504,"sentiment":"neutral","sentiment_score":0.15256943181157112},{"text":"It'll it'll be open.","start":908.005,"end":909.03,"sentiment":"neutral","sentiment_score":0.2182851992547512},{"text":"Cool.","start":918.79004,"end":919.29004,"sentiment":"neutral","sentiment_score":0.2786417007446289},{"text":"No.","start":922.95,"end":923.19,"sentiment":"neutral","sentiment_score":-0.10087636113166808},{"text":"No.","start":923.19,"end":923.39,"sentiment":"neutral","sentiment_score":-0.08259579539299011}],"sentiment":"neutral","sentiment_score":0.14490207170064634,"num_words":13,"start":904.72504,"end":923.39},{"sentences":[{"text":"No.","start":923.39,"end":923.59,"sentiment":"neutral","sentiment_score":-0.09982231259346008},{"text":"No.","start":923.59,"end":923.75,"sentiment":"neutral","sentiment_score":-0.1198880299925804},{"text":"No.","start":923.75,"end":924.25,"sentiment":"neutral","sentiment_score":-0.13052791357040405},{"text":"I I I understand that.","start":924.55005,"end":936.205,"sentiment":"neutral","sentiment_score":-0.09934214055538178},{"text":"I've been doing it I've been doing it for a long time.","start":936.205,"end":938.64,"sentiment":"neutral","sentiment_score":0.12015869406362374}],"sentiment":"neutral","sentiment_score":0.029747768491506576,"num_words":20,"start":923.39,"end":938.64},{"sentences":[{"text":"Well, I've done it well.","start":944.16003,"end":945.24,"sentiment":"positive","sentiment_score":0.5012231886386871},{"text":"I think it's all good.","start":945.24,"end":946.5,"sentiment":"positive","sentiment_score":0.6210548639297485},{"text":"Mhmm.","start":952.56,"end":953.06,"sentiment":"neutral","sentiment_score":0.10029806941747664},{"text":"No problem at all.","start":954.625,"end":958.105,"sentiment":"neutral","sentiment_score":0.09443476889282465},{"text":"Thank you.","start":960.025,"end":962.945,"sentiment":"neutral","sentiment_score":0.19281713292002678}],"sentiment":"positive","sentiment_score":0.3808859808041769,"num_words":17,"start":944.16003,"end":962.945},{"sentences":[{"text":"Yeah.","start":964.865,"end":965.105,"sentiment":"neutral","sentiment_score":0.13922619819641113},{"text":"Not a problem at all.","start":965.105,"end":966.325,"sentiment":"neutral","sentiment_score":0.31079697608947754},{"text":"Yep.","start":971.14,"end":971.64,"sentiment":"neutral","sentiment_score":0.07071767002344131},{"text":"That'd be awesome.","start":978.1,"end":978.82,"sentiment":"positive","sentiment_score":0.813291609287262},{"text":"Thank you very much.","start":978.82,"end":979.755,"sentiment":"positive","sentiment_score":0.8586208075284958}],"sentiment":"positive","sentiment_score":0.545591914760215,"num_words":14,"start":964.865,"end":979.755},{"sentences":[{"text":"No.","start":984.795,"end":985.03503,"sentiment":"neutral","sentiment_score":-0.12367359548807144},{"text":"Not at the moment.","start":985.03503,"end":986.015,"sentiment":"neutral","sentiment_score":-0.14889093860983849},{"text":"Yep.","start":991.755,"end":992.255,"sentiment":"neutral","sentiment_score":0.24033747613430023},{"text":"Good on you.","start":995.03503,"end":995.69995,"sentiment":"positive","sentiment_score":0.7532792687416077},{"text":"Thank you very much.","start":995.69995,"end":996.68,"sentiment":"positive","sentiment_score":0.823146179318428}],"sentiment":"positive","sentiment_score":0.3902709730542623,"num_words":13,"start":984.795,"end":996.68},{"sentences":[{"text":"Okay then.","start":1002.74,"end":1003.56,"sentiment":"positive","sentiment_score":0.36981141567230225},{"text":"Thank you.","start":1004.57996,"end":1005.06,"sentiment":"positive","sentiment_score":0.7368893623352051},{"text":"I'll be hearing from you then soon.","start":1005.06,"end":1006.75995,"sentiment":"positive","sentiment_score":0.6061148984091622},{"text":"Alright.","start":1008.1,"end":1008.6,"sentiment":"neutral","sentiment_score":0.2171989381313324},{"text":"Bye.","start":1009.77997,"end":1010.2109,"sentiment":"neutral","sentiment_score":0.14004693925380707}],"sentiment":"positive","sentiment_score":0.5241116709434069,"num_words":13,"start":1002.74,"end":1010.2109},{"sentences":[{"text":"Alright.","start":1012.93085,"end":1013.43085,"sentiment":"neutral","sentiment_score":-0.11151489615440369}],"sentiment":"neutral","sentiment_score":-0.11151489615440369,"num_words":1,"start":1012.93085,"end":1013.43085}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Good morning. Hello?\n\nChannel 0: Hi, Doug. It's Larissa from OC Financial. How are you going?\n\nChannel 1: I'm not too bad. You sure?\n\nChannel 0: Yeah. I'm really well. Thank you. I was just giving you a call following on from our conversation last week.\n\nChannel 1: Yes.\n\nChannel 0: We were gonna go through and have a bit of a discussion. Just wanted to make sure that you were still okay to have that chat this morning.\n\nChannel 1: Yeah. No problems at all.\n\nChannel 0: Perfect. Before I jump into it, I do need to let you know our calls are recorded. And if I could just get you confirmed security, it's our full day full name, date of birth, and address for me.\n\nChannel 1: Douglas John McDonald. 294 Wild Lane, Moisten. Is that correct?\n\nChannel 0: Perfect. Appreciate it. Okay. So so sorry. I'm losing my voice today.\n\nFollowing our conversation, I sent you an email with your like, with the the ATO, like, lost super search that we had received on your behalf from the ATO. You were able to have a look at that one?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yeah. Did you make any phone calls or or sort of look into it at all? Just\n\nChannel 1: No.\n\nChannel 0: no. No. That's okay. Just so I knew where you were up to. That's absolutely okay.\n\nChannel 1: Yep.\n\nChannel 0: So with with sort of, I guess, where you're at medically and and what's kinda going on, you were you were explaining to me that, I guess, financially, you're not doing too too well and that you're sort of at the moment looking at applying for disability support pension.\n\nChannel 1: Yes. So I think I am here. I'm sorta started the process. It's a little bit daunting now at the moment. But anyway, I just have to\n\nChannel 0: Yeah. It's a bit of an arduous process to apply for, and I, essentially, don't make anything easy, unfortunately.\n\nChannel 1: keep putting along. No. It doesn't. I've waited five years for the first knee operation and then got another knee operation after that. And then I've had a tow fusion, so I've got a few that go on.\n\nChannel 0: Yeah. Okay.\n\nChannel 1: Anyway.\n\nChannel 0: That's okay. So with with where you're at, I guess, financially, is it that you're like, do you if if you get approved for disability support pension, do you know what kind of income you've received from that? Have you have you looked into what\n\nChannel 1: No.\n\nChannel 0: No.\n\nChannel 1: No.\n\nChannel 0: That's\n\nChannel 1: I haven't\n\nChannel 0: okay.\n\nChannel 1: got a full at the moment either. I've just been looking at the options. That's all I thought that well, because I was started in the Meatworks at 15, and I my body's broken down from all that heavy work. I thought that I'd have a bit of a chance to get in upon a bit of insurance claim. But, anyway, it's not there.\n\nIt's\n\nChannel 0: Well, have you have you by any chance I I know we\n\nChannel 1: not\n\nChannel 0: only\n\nChannel 1: there.\n\nChannel 0: spoke last week, but have you by any chance contacted the what are they called?\n\nChannel 1: Yeah.\n\nChannel 0: The word will come to me. Sorry.\n\nChannel 1: Now you're on.\n\nChannel 0: The union. The union rep. Just\n\nChannel 1: No.\n\nChannel 0: had to think\n\nChannel 1: I\n\nChannel 0: the\n\nChannel 1: haven't.\n\nChannel 0: way up they were. No. That's okay.\n\nChannel 1: No.\n\nChannel 0: Is\n\nChannel 1: I\n\nChannel 0: that\n\nChannel 1: haven't\n\nChannel 0: sort of\n\nChannel 1: I haven't\n\nChannel 0: on\n\nChannel 1: I haven't worked in a meet going for a fair while, but I've worked in it for a long, long time. You know what I mean? Like, I'm\n\nChannel 0: yeah.\n\nChannel 1: 54 now, but I would've spent quite a bit of my life in those places. You know what I mean?\n\nChannel 0: Yeah. If you spent if you spent a decent amount of time working there, and especially if your condition can be linked back, it's something that, you know, could be available to you. When was the last time you worked in the Meetworks?\n\nChannel 1: I got out of it when I was oh, I can't remember the age, but I ended up going back to it a little while too when I got out of the truck, but I didn't stay there very long on the second round. You know what I mean? But, anyway\n\nChannel 0: Do you know how many years you worked in the industry?\n\nChannel 1: oh, not off the top of my head, but I could work it out. It's been a lot lot it's been years and years. Complete years. Yeah. Yeah.\n\nChannel 0: Yeah. Okay. Alright.\n\nChannel 1: Anyway, I gotta work it all out.\n\nChannel 0: Yeah. I guess so from my side, I guess, for me to be able to financially help you out and make sure that we can get you firing on all cylinders and and financially functional, I guess the best thing for me to do is to probably start with updating where all your finances are currently at and what's happening for yourself. So if I run through and have a look at, I guess, what details we have on on file for you and make sure they're still appropriate and accurate,\n\nChannel 1: Yep.\n\nChannel 0: that'll probably be a really good good start point.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So I guess to start at the beginning, I have Bonnie Pierce as, I guess, your your spouse and next of kin. Still appropriate?\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now income wise, you're currently receiving JobSeeker. Is that correct?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Now do you have any medical exemption for that one, or are\n\nChannel 1: Yeah.\n\nChannel 0: they\n\nChannel 1: Yeah.\n\nChannel 0: putting\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: you\n\nChannel 1: Yeah.\n\nChannel 0: through? Good.\n\nChannel 1: No. I've had medical all the way\n\nChannel 0: Perfect. Perfect. So it's just a a matter of you sort of applying for the alteration\n\nChannel 1: through.\n\nChannel 0: between JobSeeker and disability support pension, which will give\n\nChannel 1: Yeah.\n\nChannel 0: you\n\nChannel 1: That\n\nChannel 0: that increased increased rates.\n\nChannel 1: that's correct. Yep.\n\nChannel 0: Alright. Perfect. Now aside from that, I have, like, debt wise and and position wise, I have that you have your your house. You you own your own home. And the the the debt that you have on it is about $20,000.\n\nIs that low like, that mortgage\n\nChannel 1: Yeah.\n\nChannel 0: still\n\nChannel 1: Yeah.\n\nChannel 0: that's\n\nChannel 1: Yeah. Yeah. It's it's probably less than that now.\n\nChannel 0: okay. That's good. So we're you're still able to sort of have that paid off slowly?\n\nChannel 1: Yeah. No. I'm going alright with that. Yep.\n\nChannel 0: That's good. And then we have the car and the motorbike about 10 and R8\n\nChannel 1: Yep.\n\nChannel 0: in value. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Is there anything on the redraw? I know you had a redraw previously. Is there any money sitting on that redraw? Or\n\nChannel 1: She's side, but I got no really interested in doing any redoing.\n\nChannel 0: No. That's okay. It's just it's it's good to sort of, I guess, know where you're at financially and whether, you know, the money that you're gonna get from Disability Support Pension is gonna be enough to cover off the debts that you have and, you know, if there's money sitting on the redraw, whether there's something we could do with that money to put you in a better financial position.\n\nChannel 1: And yeah.\n\nChannel 0: You know?\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. I just I I'd be happy just to have that line fixed up.\n\nChannel 0: Yeah. So are you able to log in and have a look at how much is owing on the house?\n\nChannel 1: That's all. I don't have I don't do Internet banking whatsoever. I do not trust any online\n\nChannel 0: No. That's okay. I love an old pen and paper. Absolutely. Do you do you know where the last statement is that you've received, or do you sort of just pop into the bank and\n\nChannel 1: stuff. No.\n\nChannel 0: and\n\nChannel 1: No. No.\n\nChannel 0: check?\n\nChannel 1: I have to pay this here, but I've got it all tucked away.\n\nChannel 0: Okay. That's okay. So you know that the the loan's about, like, just under sort of under $20,000.\n\nChannel 1: Yeah. It's a bit late in.\n\nChannel 0: 18. Okay. That's good. Fantastic news.\n\nChannel 1: Yeah.\n\nChannel 0: Do you know what the interest rate is on the mortgage?\n\nChannel 1: It's just changed recently, but I don't know.\n\nChannel 0: Alright. That's okay.\n\nChannel 1: Yep.\n\nChannel 0: And do you know the term of the loan that's let like, that you have remaining?\n\nChannel 1: No.\n\nChannel 0: No. That's okay. Alright.\n\nChannel 1: Yep.\n\nChannel 0: So it's about $18,000. Here, let's put it this way. Do you know what the mortgage repayments are each week or months?\n\nChannel 1: No. But I pay extra anyway.\n\nChannel 0: Fine. That's\n\nChannel 1: Sorry.\n\nChannel 0: good.\n\nChannel 1: I don't\n\nChannel 0: I'm\n\nChannel 1: name it, but it's all good.\n\nChannel 0: No. That's okay. Not a problem at all. I'm assuming that your partner, like, the Bonnie works and earns an income?\n\nChannel 1: Yes. But we're not partners anymore. She works away, and she's not here.\n\nChannel 0: Oh, okay. So where like, do you guys reside together but not in a de facto relationship?\n\nChannel 1: That's correct. Yep.\n\nChannel 0: Hi. So the\n\nChannel 1: I'm not\n\nChannel 0: the\n\nChannel 1: I'm not a I'm not a single at the moment. Yeah.\n\nChannel 0: I love it. Nothing wrong with that at all. So with, I guess, your single status, are you like, the ownership of the property, is it, like, a 100% yours? Do you guys do you share it with Bonnie who\n\nChannel 1: No. It's not. It's all it's it's all belongs to me.\n\nChannel 0: Does\n\nChannel 1: Yep.\n\nChannel 0: Bonnie pay, like, board for\n\nChannel 1: No.\n\nChannel 0: residing?\n\nChannel 1: No. No.\n\nChannel 0: No?\n\nChannel 1: No. She don't she she doesn't live here.\n\nChannel 0: Oh, sorry. Apologies. I thought she still, like, lives at the house when she was off swing or off\n\nChannel 1: No.\n\nChannel 0: off work.\n\nChannel 1: No.\n\nChannel 0: Okay.\n\nChannel 1: No.\n\nChannel 0: So just just you by yourself at at at in the house.\n\nChannel 1: Yeah. I've got my daughter here.\n\nChannel 0: Oh,\n\nChannel 1: But\n\nChannel 0: beautiful.\n\nChannel 1: she she works, but she's cruising on her right here.\n\nChannel 0: Yeah. Is she paying any rental board to help you along, or are you able to\n\nChannel 1: Well, she could she just helps me out here in LA when I need it.\n\nChannel 0: Okay. That's good. Because I I I assume the money that you're getting from Centrelink is not enough to pay the mortgage.\n\nChannel 1: Yeah. Yeah. Yeah. That's what's covered it.\n\nChannel 0: Oh, it's covering it? And,\n\nChannel 1: Yeah.\n\nChannel 0: like, leaving still leaving you with a little bit to be able to, like, pay the bills and eat?\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. I'm doing okay.\n\nYeah.\n\nChannel 0: Okay. No. That's okay. That's good. Probably should've started with that question then.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Okay. So we're we're doing okay financially, but I think I I guess the stress would be removed if you were able to have no mortgage anymore. Is that\n\nChannel 1: It's\n\nChannel 0: correct?\n\nChannel 1: yeah. That'd be right. Yep.\n\nChannel 0: Okay. So I guess what you're looking for is just the ability to be able to pay off the mortgage\n\nChannel 1: Yep.\n\nChannel 0: and just be be debt free. And then\n\nChannel 1: Cool.\n\nChannel 0: you have the car, the motorbike, the house debt free, and you can just breathe a little bit more.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Okay. Alright. Well, what what I would need to do, I guess, to be able to see, I guess, what financial impact is, you know, is gonna have for you. Because that is the way that we could apply to your superannuation fund, and we could remove some of the money from your super fund to pay out your mortgage.\n\nAnd you you could release that under under basically total impermeability. So we we would need to go through, like, the medical applications to do that.\n\nChannel 1: Yep. Yeah. I'd have a better chance once I do get the disability pension, might I? Because once I've got that, there's more or less sort of\n\nChannel 0: They're\n\nChannel 1: there's\n\nChannel 0: actually totally separate. The like, you can do them in tandem. One doesn't affect one one application does not affect the other. So if you're approved for disability support pension and and rejected for superannuation, don't normally see that happen, to be completely honest with you, but let's just say, for argument's sake, it did happen. They don't\n\nChannel 1: Yep.\n\nChannel 0: they don't affect each other at all. So you're actually able to apply at the same time. But the good thing is is, obviously, with the disability support pension, the income increases from\n\nChannel 1: Yeah.\n\nChannel 0: JobSeeker. You know? You get that little\n\nChannel 1: Yeah.\n\nChannel 0: bit\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: extra,\n\nChannel 1: Yeah.\n\nChannel 0: which is\n\nChannel 1: An\n\nChannel 0: definitely\n\nChannel 1: extra\n\nChannel 0: gonna\n\nChannel 1: four\n\nChannel 0: help\n\nChannel 1: 100.\n\nChannel 0: out.\n\nChannel 1: I I think it's an extra 400.\n\nChannel 0: Yeah. Yeah. It's sort of about that figure. Yeah. I mean, you know,\n\nChannel 1: But\n\nChannel 0: little bit of change\n\nChannel 1: but\n\nChannel 0: either\n\nChannel 1: I think\n\nChannel 0: outside.\n\nChannel 1: I I I'd have a bit more of a conversation for you once I because I gotta go and get all the medical details and then get out of hospitals and all these other places where I've been treated from and stuff like that. And I probably need to get some reports and stuff like that from a specialist\n\nChannel 0: Yeah.\n\nChannel 1: that's done all his surgery and things like that and gather\n\nChannel 0: Well\n\nChannel 1: up a bit of a an evidence trial. You know what I mean?\n\nChannel 0: yeah. You will. The thing is is with the Superfund, there are documents that you need filled out. So if\n\nChannel 1: Yep.\n\nChannel 0: you are intending on going and seeing those doctors, what I can do is I can either email or post the documents to you that you're able to get filled out from those doctors when you go and talk to them.\n\nChannel 1: Okay.\n\nChannel 0: Obviously, any documents that you do receive from the hospital or other is still used for, but there is a very specific form that the that the super funds won't filled out because it has a very specific statement on it that they want the doctors to sign off declaring that you're likely never able not likely not going to work again.\n\nChannel 1: Yep.\n\nChannel 0: So I can get those documents to you. And then what I would ultimately, I guess, need from yourself is I would need, I guess, just that that latest mortgage statement would probably be the best thing because that just gives me the interest\n\nChannel 1: Yes.\n\nChannel 0: rate, so it tells me over the x number of years how much interest you're gonna pay.\n\nChannel 1: Yes.\n\nChannel 0: And I can then compare that to if we were gonna remove money from your super fund, you know, obviously, taking into consideration your wishes and and, and just run the numbers for you to present to\n\nChannel 1: Okay.\n\nChannel 0: you where everything lands.\n\nChannel 1: Yep.\n\nChannel 0: Because that'll that that'll give a good a good indication as to, you know, how we can sort of proceed with everything.\n\nChannel 1: We're not calling. Sure.\n\nChannel 0: Yeah. Perfect. Well, I can I can get that happening where we we basically look at getting the getting the claim started? So I'll contact Netwealth, get\n\nChannel 1: Yes.\n\nChannel 0: them get them to issue the claims documents to me and get\n\nChannel 1: Yes.\n\nChannel 0: it started. Would you prefer the documents posted to you, or are you happy for them to be emailed?\n\nChannel 1: Post it to me would be fantastic.\n\nChannel 0: I can 100% do that. I'll get the claims documents issued, and then I'll get them all posted off to you. And I'll put little tabs on them to explain, like, who needs to fill out what. There'll be two\n\nChannel 1: Yeah.\n\nChannel 0: different\n\nChannel 1: I can.\n\nChannel 0: doctor's forms. So two different doctors have to fill them out, and\n\nChannel 1: Yep.\n\nChannel 0: there'll be a little form for yourself to fill out as well.\n\nChannel 1: Yep.\n\nChannel 0: It just basically says, like, I declare that I am unfit for work because of blah. Nothing too too crazy and strenuous. And\n\nChannel 1: Yep.\n\nChannel 0: then you can, yeah, post them on back to me once they're all done.\n\nChannel 1: Yep.\n\nChannel 0: If you, of course, have any questions when the documents do arrive, you can, you know, you can, yeah, give me a call, ring, and and have a chat. Either myself or Caden here in the office will be able to help you out from a claims perspective, but what we'll do is we'll get that started and and go from there.\n\nChannel 1: Cool.\n\nChannel 0: Are you able to take a photo or email, text, whatever the case may be, like, that latest\n\nChannel 1: Yes.\n\nChannel 0: loan\n\nChannel 1: Okay.\n\nChannel 0: statement?\n\nChannel 1: What? I can do that later on this morning when I find it. Yeah?\n\nChannel 0: Yeah. Yeah. Absolutely. What I'll do is do you want me to text you or email you so you can reply?\n\nChannel 1: Just a text will be fine.\n\nChannel 0: Yeah. Perfect. I'll text\n\nChannel 1: It'll\n\nChannel 0: you,\n\nChannel 1: it'll\n\nChannel 0: and\n\nChannel 1: be\n\nChannel 0: it'll\n\nChannel 1: open.\n\nChannel 0: just say from Larissa or Q. And, yeah, if you take a photo of that statement, I'll keep it on file. And then when I start getting all the research and everything put together, we can go from there. This is\n\nChannel 1: Cool.\n\nChannel 0: not something that we can turn around in a day, a week, or anything like\n\nChannel 1: No.\n\nChannel 0: that.\n\nChannel 1: No.\n\nChannel 0: It\n\nChannel 1: No.\n\nChannel 0: takes,\n\nChannel 1: No. No. I I I understand\n\nChannel 0: yeah, it takes a little bit of time. The good thing is is that financially, I'm I'm glad to hear that you are doing okay. Obviously, it's a little bit tight, but that you're doing okay.\n\nChannel 1: that. I've been doing it I've been doing it for a long time.\n\nChannel 0: Yeah. Yeah. So you've had to just accept and tighten the belt as much as you can.\n\nChannel 1: Well, I've done it well. I think it's all good.\n\nChannel 0: Yeah. Well, let's let's alleviate some of that pressure, get that loan paid off, and and let\n\nChannel 1: Mhmm.\n\nChannel 0: you kinda breathe a little bit.\n\nChannel 1: No problem at\n\nChannel 0: That's okay. So\n\nChannel 1: all.\n\nChannel 0: let me run through and start having a look at everything\n\nChannel 1: Thank\n\nChannel 0: from my side. Once you get those those\n\nChannel 1: you.\n\nChannel 0: documents to me, we can go from there. Alright?\n\nChannel 1: Yeah. Not a problem at all.\n\nChannel 0: Perfect. Alright. I will get that text message sent to you, and\n\nChannel 1: Yep.\n\nChannel 0: we can start start the process, start the claims and everything like that, and and we can go from there. Okay?\n\nChannel 1: That'd be awesome. Thank you very much.\n\nChannel 0: That's absolutely okay. Well, did you have any other other questions while we were on the phone? Or\n\nChannel 1: No. Not at the moment.\n\nChannel 0: okay. That's absolutely okay. You are 100% able to give me a call anytime that you have\n\nChannel 1: Yep.\n\nChannel 0: any questions, and and I'll be able to help you out. Alright?\n\nChannel 1: Good on you. Thank you very much.\n\nChannel 0: That's okay, Doug. I'll I look forward to working with you over the next coming couple of months and\n\nChannel 1: Okay\n\nChannel 0: get it\n\nChannel 1: then.\n\nChannel 0: all done.\n\nChannel 1: Thank you.\n\nChannel 0: Perfect.\n\nChannel 1: I'll be hearing from you then soon.\n\nChannel 0: You sure will.\n\nChannel 1: Alright.\n\nChannel 0: Bye for now.\n\nChannel 1: Bye. Alright.","paragraphs":[{"sentences":[{"text":"Good morning.","start":0.56,"end":1.22,"sentiment":"neutral","sentiment_score":0.29979462921619415},{"text":"Hello?","start":3.76,"end":4.26,"sentiment":"neutral","sentiment_score":0.15457770228385925}],"sentiment":"neutral","sentiment_score":0.25138898690541583,"channel":1,"num_words":3,"start":0.56,"end":4.26},{"sentences":[{"text":"Hi, Doug.","start":6.48,"end":7.04,"sentiment":"neutral","sentiment_score":0.2660263925790787},{"text":"It's Larissa from OC Financial.","start":7.04,"end":8.74,"sentiment":"neutral","sentiment_score":0.21874637007713318},{"text":"How are you going?","start":8.8,"end":9.7,"sentiment":"neutral","sentiment_score":0.2499193549156189}],"sentiment":"neutral","sentiment_score":0.23867836865511807,"channel":0,"num_words":11,"start":6.48,"end":9.7},{"sentences":[{"text":"I'm not too bad.","start":9.92,"end":10.8,"sentiment":"neutral","sentiment_score":0.21798596158623695},{"text":"You 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morning.","start":22.835,"end":26.535,"sentiment":"neutral","sentiment_score":0.23982768785208464}],"sentiment":"neutral","sentiment_score":0.2080913218004363,"channel":0,"num_words":28,"start":20.915,"end":26.535},{"sentences":[{"text":"Yeah.","start":26.92,"end":27.16,"sentiment":"neutral","sentiment_score":0.150893896818161},{"text":"No problems at all.","start":27.16,"end":28.380001,"sentiment":"neutral","sentiment_score":0.250635351985693}],"sentiment":"neutral","sentiment_score":0.23068706095218658,"channel":1,"num_words":5,"start":26.92,"end":28.380001},{"sentences":[{"text":"Perfect.","start":28.69,"end":29.19,"sentiment":"positive","sentiment_score":0.5145675539970398},{"text":"Before I jump into it, I do need to let you know our calls are recorded.","start":29.49,"end":32.21,"sentiment":"neutral","sentiment_score":0.11930832639336586},{"text":"And if I could just get you confirmed security, it's our full day full name, date of birth, and address for me.","start":32.21,"end":37.67,"sentiment":"neutral","sentiment_score":0.10530092126943848}],"sentiment":"neutral","sentiment_score":0.12154156523637283,"channel":0,"num_words":39,"start":28.69,"end":37.67},{"sentences":[{"text":"Douglas John McDonald.","start":38.6,"end":39.82,"sentiment":"neutral","sentiment_score":0.015941292668382328},{"text":"294 Wild Lane, Moisten.","start":40.44,"end":42.54,"sentiment":"neutral","sentiment_score":0.018332881620153785},{"text":"Is that correct?","start":42.745,"end":43.565,"sentiment":"neutral","sentiment_score":0.05375877395272255}],"sentiment":"neutral","sentiment_score":0.028243172634392976,"channel":1,"num_words":10,"start":38.6,"end":43.565},{"sentences":[{"text":"Perfect.","start":45.585,"end":46.085,"sentiment":"positive","sentiment_score":0.3925611972808838},{"text":"Appreciate 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to.","start":77.585,"end":79.445,"sentiment":"neutral","sentiment_score":-0.06829946198397213},{"text":"That's absolutely okay.","start":79.505,"end":81.045,"sentiment":"neutral","sentiment_score":0.14625538885593414}],"sentiment":"neutral","sentiment_score":-0.05083753983490169,"channel":0,"num_words":16,"start":76.465,"end":81.045},{"sentences":[{"text":"Yep.","start":81.175,"end":81.675,"sentiment":"neutral","sentiment_score":0.03738616779446602}],"sentiment":"neutral","sentiment_score":0.03738616779446602,"channel":1,"num_words":1,"start":81.175,"end":81.675},{"sentences":[{"text":"So with with sort of, I guess, where you're at medically and and what's kinda going on, you were you were explaining to me that, I guess, financially, you're not doing too too well and that you're sort of at the moment looking at applying for disability support pension.","start":82.82,"end":100.655,"sentiment":"neutral","sentiment_score":-0.12596141828262075}],"sentiment":"neutral","sentiment_score":-0.12596141828262075,"channel":0,"num_words":49,"start":82.82,"end":100.655},{"sentences":[{"text":"Yes.","start":101.225,"end":101.545,"sentiment":"neutral","sentiment_score":0.001101246103644371},{"text":"So I think I am here.","start":101.545,"end":102.665,"sentiment":"neutral","sentiment_score":-0.019941507528225582},{"text":"I'm sorta started the process.","start":102.665,"end":104.285,"sentiment":"neutral","sentiment_score":-0.00032052919268608026},{"text":"It's a little bit daunting now at the moment.","start":104.345,"end":107.145,"sentiment":"neutral","sentiment_score":-0.24078586200873056},{"text":"But anyway, I just have 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those","start":961.215,"end":962.49506,"sentiment":"neutral","sentiment_score":0.19658578038215638}],"sentiment":"neutral","sentiment_score":0.23723585903644562,"channel":0,"num_words":8,"start":960.255,"end":962.49506},{"sentences":[{"text":"you.","start":962.445,"end":962.945,"sentiment":"neutral","sentiment_score":0.10665195435285568}],"sentiment":"neutral","sentiment_score":0.10665195435285568,"channel":1,"num_words":1,"start":962.445,"end":962.945},{"sentences":[{"text":"documents to me, we can go from there.","start":962.49506,"end":964.09503,"sentiment":"neutral","sentiment_score":0.15471797995269299},{"text":"Alright?","start":964.09503,"end":964.59503,"sentiment":"neutral","sentiment_score":0.1376865804195404}],"sentiment":"neutral","sentiment_score":0.15282560222678715,"channel":0,"num_words":9,"start":962.49506,"end":964.59503},{"sentences":[{"text":"Yeah.","start":964.865,"end":965.105,"sentiment":"neutral","sentiment_score":0.13922619819641113},{"text":"Not a problem at 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process, start the claims and everything like that, and and we can go from there.","start":971.25,"end":977.49,"sentiment":"neutral","sentiment_score":0.25399128198623655},{"text":"Okay?","start":977.49,"end":977.99,"sentiment":"neutral","sentiment_score":0.3130176067352295}],"sentiment":"neutral","sentiment_score":0.25680205935523626,"channel":0,"num_words":21,"start":971.25,"end":977.99},{"sentences":[{"text":"That'd be awesome.","start":978.1,"end":978.82,"sentiment":"positive","sentiment_score":0.813291609287262},{"text":"Thank you very much.","start":978.82,"end":979.755,"sentiment":"positive","sentiment_score":0.8586208075284958}],"sentiment":"positive","sentiment_score":0.8391940082822528,"channel":1,"num_words":7,"start":978.1,"end":979.755},{"sentences":[{"text":"That's absolutely okay.","start":980.035,"end":981.075,"sentiment":"positive","sentiment_score":0.6462130149205526},{"text":"Well, did you have any other other questions while we were on the phone?","start":981.075,"end":984.215,"sentiment":"neutral","sentiment_score":0.058329831808805466},{"text":"Or","start":984.275,"end":984.775,"sentiment":"neutral","sentiment_score":-0.016532115638256073}],"sentiment":"neutral","sentiment_score":0.15215136524703768,"channel":0,"num_words":18,"start":980.035,"end":984.775},{"sentences":[{"text":"No.","start":984.795,"end":985.03503,"sentiment":"neutral","sentiment_score":-0.12367359548807144},{"text":"Not at the moment.","start":985.03503,"end":986.015,"sentiment":"neutral","sentiment_score":-0.14889093860983849}],"sentiment":"neutral","sentiment_score":-0.1438474699854851,"channel":1,"num_words":5,"start":984.795,"end":986.015},{"sentences":[{"text":"okay.","start":986.675,"end":987.175,"sentiment":"neutral","sentiment_score":0.08225497603416443},{"text":"That's absolutely okay.","start":987.235,"end":988.435,"sentiment":"positive","sentiment_score":0.42334895332654315},{"text":"You are 100% able to give me a call anytime that you have","start":988.435,"end":991.795,"sentiment":"positive","sentiment_score":0.44721349615317124}],"sentiment":"positive","sentiment_score":0.4215339580002953,"channel":0,"num_words":17,"start":986.675,"end":991.795},{"sentences":[{"text":"Yep.","start":991.755,"end":992.255,"sentiment":"neutral","sentiment_score":0.24033747613430023}],"sentiment":"neutral","sentiment_score":0.24033747613430023,"channel":1,"num_words":1,"start":991.755,"end":992.255},{"sentences":[{"text":"any questions, and and I'll be able to help you out.","start":991.795,"end":994.42,"sentiment":"positive","sentiment_score":0.45436773787845264},{"text":"Alright?","start":994.42,"end":994.92,"sentiment":"positive","sentiment_score":0.369723379611969}],"sentiment":"positive","sentiment_score":0.4473140413562457,"channel":0,"num_words":12,"start":991.795,"end":994.92},{"sentences":[{"text":"Good on you.","start":995.03503,"end":995.69995,"sentiment":"positive","sentiment_score":0.7532792687416077},{"text":"Thank you very much.","start":995.69995,"end":996.68,"sentiment":"positive","sentiment_score":0.823146179318428}],"sentiment":"positive","sentiment_score":0.7932032176426479,"channel":1,"num_words":7,"start":995.03503,"end":996.68},{"sentences":[{"text":"That's okay, Doug.","start":996.82,"end":998.2,"sentiment":"positive","sentiment_score":0.6601258118947347},{"text":"I'll I look forward to working with you over the next coming couple of months and","start":998.42,"end":1002.74,"sentiment":"positive","sentiment_score":0.6507642548531294}],"sentiment":"positive","sentiment_score":0.652242395438646,"channel":0,"num_words":19,"start":996.82,"end":1002.74},{"sentences":[{"text":"Okay","start":1002.74,"end":1003.06,"sentiment":"positive","sentiment_score":0.38533785939216614}],"sentiment":"positive","sentiment_score":0.38533785939216614,"channel":1,"num_words":1,"start":1002.74,"end":1003.06},{"sentences":[{"text":"get 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now.","start":1008.4109,"end":1009.39087,"sentiment":"neutral","sentiment_score":0.16995956003665924}],"sentiment":"neutral","sentiment_score":0.16995956003665924,"channel":0,"num_words":3,"start":1008.4109,"end":1009.39087},{"sentences":[{"text":"Bye.","start":1009.77997,"end":1010.2109,"sentiment":"neutral","sentiment_score":0.14004693925380707},{"text":"Alright.","start":1012.93085,"end":1013.43085,"sentiment":"neutral","sentiment_score":-0.11151489615440369}],"sentiment":"neutral","sentiment_score":0.01426602154970169,"channel":1,"num_words":2,"start":1009.77997,"end":1013.43085}]},"summary":{"result":"success","short":"John from OC Financial follows up with Doug to discuss his disability support pension application. The agent suggests updating income and debt information and discusses the customer's loan and home ownership. The agent explains the customer's financial situation and suggests removing the financial impact of his retirement. The customer needs to fill out a doctor's form to determine eligibility for disability support and is instructed to take a photo of their mortgage statement."},"intents":{"segments":[{"text":"I was just giving you a call following on from our conversation last week. Yes. We were gonna go through and have a bit of a discussion. Just wanted to make sure that you were still okay to have that chat this morning. Yeah.","start_word":26,"end_word":69,"intents":[{"intent":"Clarify conversation","confidence_score":0.0021745071}]},{"text":"So with with where you're at, I guess, financially, is it that you're like, do you if if you get approved for disability support pension, do you know what kind of income you've received from that?","start_word":349,"end_word":384,"intents":[{"intent":"Inquire about benefits of disability support pension","confidence_score":0.0004427019}]},{"text":"No. No.","start_word":393,"end_word":394,"intents":[{"intent":"Express uncertainty about job role","confidence_score":0.00042406222}]},{"text":"Yeah.","start_word":494,"end_word":494,"intents":[{"intent":"Request call from union rep","confidence_score":0.018045109},{"intent":"Request call from union rep","confidence_score":0.00034254813}]},{"text":"Is I that haven't sort of I haven't on I haven't worked in a meet going for a fair while, but I've worked in it for a long, long time. You know what I mean?","start_word":526,"end_word":560,"intents":[{"intent":"Confirm state of work","confidence_score":0.0000865517}]},{"text":"If you spent if you spent a decent amount of time working there, and especially if your condition can be linked back, it's something that, you know, could be available to you.","start_word":585,"end_word":616,"intents":[{"intent":"Suggest future work opportunities","confidence_score":0.000030979674},{"intent":"Explain potential connection","confidence_score":0.000002109337},{"intent":"Indicate availability of service provider","confidence_score":0.00004243449}]},{"text":"When was the last time you worked in the Meetworks?","start_word":617,"end_word":626,"intents":[{"intent":"Ask about last time worked in meetworks","confidence_score":0.00043813823}]},{"text":"But, anyway Do you know how many years you worked in the industry?","start_word":676,"end_word":688,"intents":[{"intent":"Inquire about job status","confidence_score":0.00012386749}]},{"text":"Is there anything on the redraw?","start_word":1040,"end_word":1045,"intents":[{"intent":"Redraw debt","confidence_score":0.1309636}]},{"text":"It's just it's it's good to sort of, I guess, know where you're at financially and whether, you know, the money that you're gonna get from Disability Support Pension is gonna be enough to cover off the debts that you have and, you know, if there's money sitting on the redraw, whether there's something we could do with that money to put you in a better financial position. And yeah.","start_word":1077,"end_word":1146,"intents":[{"intent":"Provide financial information","confidence_score":0.006427048}]},{"text":"Well, what what I would need to do, I guess, to be able to see, I guess, what financial impact is, you know, is gonna have for you.","start_word":1773,"end_word":1800,"intents":[{"intent":"Calculate financial impact","confidence_score":0.00071031705}]},{"text":"The thing is is with the Superfund, there are documents that you need filled out. So if Yep. you are intending on going and seeing those doctors, what I can do is I can either email or post the documents to you that you're able to get filled out from those doctors when you go and talk to them. Okay.","start_word":2120,"end_word":2179,"intents":[{"intent":"Discuss superfund documents","confidence_score":0.013996608}]},{"text":"rate, so it tells me over the x number of years how much interest you're gonna pay. Yes.","start_word":2288,"end_word":2305,"intents":[{"intent":"Obtain information about interest rate and claim status","confidence_score":0.000006810046}]},{"text":"I'll get the claims documents issued, and then I'll get them all posted off to you. And I'll put little tabs on them to explain, like, who needs to fill out what.","start_word":2447,"end_word":2478,"intents":[{"intent":"Provide advice on mailing claims documents","confidence_score":0.00002982067}]},{"text":"So two different doctors have to fill them out, and Yep. there'll be a little form for yourself to fill out as well. Yep.","start_word":2488,"end_word":2511,"intents":[{"intent":"Provide clarification on paperwork requirements for doctor's forms","confidence_score":0.0000027670208}]},{"text":"If you, of course, have any questions when the documents do arrive, you can, you know, you can, yeah, give me a call, ring, and and have a chat.","start_word":2551,"end_word":2579,"intents":[{"intent":"Request call back","confidence_score":0.058964647}]},{"text":"Are you able to take a photo or email, text, whatever the case may be, like, that latest Yes. loan Okay. statement?","start_word":2614,"end_word":2635,"intents":[{"intent":"Request statement and information","confidence_score":0.0002784733}]},{"text":"Once you get those those you. documents to me, we can go from there. Alright? Yeah.","start_word":2879,"end_word":2894,"intents":[{"intent":"Receive documents","confidence_score":0.005279693}]}]},"sentiments":{"segments":[{"text":"Good morning. Hello? Hi, Doug. It's Larissa from OC Financial. How are you going? I'm not too bad. You sure?","start_word":0,"end_word":19,"sentiment":"neutral","sentiment_score":0.2286067008972168},{"text":"Yeah. I'm really well. Thank you.","start_word":20,"end_word":25,"sentiment":"positive","sentiment_score":0.5942210555076599},{"text":"I was just giving you a call following on from our conversation last week. Yes. We were gonna go through and have a bit of a discussion. Just wanted to make sure that you were still okay to have that chat this morning. Yeah. No problems at all.","start_word":26,"end_word":73,"sentiment":"neutral","sentiment_score":0.2089304476976395},{"text":"Perfect.","start_word":74,"end_word":74,"sentiment":"positive","sentiment_score":0.5145675539970398},{"text":"Before I jump into it, I do need to let you know our calls are recorded. And if I could just get you confirmed security, it's our full day full name, date of birth, and address for me. Douglas John McDonald. 294 Wild Lane, Moisten. Is that correct?","start_word":75,"end_word":122,"sentiment":"neutral","sentiment_score":0.09016337990760805},{"text":"Perfect. Appreciate it.","start_word":123,"end_word":125,"sentiment":"positive","sentiment_score":0.4437021017074585},{"text":"Okay. So so sorry.","start_word":126,"end_word":129,"sentiment":"neutral","sentiment_score":-0.13021253049373627},{"text":"I'm losing my voice today.","start_word":130,"end_word":134,"sentiment":"negative","sentiment_score":-0.4330321550369262},{"text":"Following our conversation, I sent you an email with your like, with the the ATO, like, lost super search that we had received on your behalf from the ATO. You were able to have a look at that one? Yes. Yes. Yeah. Did you make any phone calls or or sort of look into it at all? Just No. no. No. That's okay. Just so I knew where you were up to. That's absolutely okay. Yep. So with with sort of, I guess, where you're at medically and and what's kinda going on, you were you were explaining to me that, I guess, financially, you're not doing too too well and that you're sort of at the moment looking at applying for disability support pension. Yes. So I think I am here. I'm sorta started the process. It's a little bit daunting now at the moment. But anyway, I just have to Yeah.","start_word":135,"end_word":287,"sentiment":"neutral","sentiment_score":-0.07938812673091888},{"text":"It's a bit of an arduous process to apply for, and I, essentially, don't make anything easy, unfortunately. keep putting along. No.","start_word":288,"end_word":309,"sentiment":"negative","sentiment_score":-0.3527805805206299},{"text":"It doesn't. I've waited five years for the first knee operation and then got another knee operation after that. And then I've had a tow fusion, so I've got a few that go on. Yeah. Okay. Anyway.","start_word":310,"end_word":346,"sentiment":"neutral","sentiment_score":-0.09003380464540946},{"text":"That's okay.","start_word":347,"end_word":348,"sentiment":"positive","sentiment_score":0.3585215210914612},{"text":"So with with where you're at, I guess, financially, is it that you're like, do you if if you get approved for disability support pension, do you know what kind of income you've received from that? Have you have you looked into what No.","start_word":349,"end_word":392,"sentiment":"neutral","sentiment_score":0.03354673460125923},{"text":"No. No. That's I haven't okay. got a full at the moment either.","start_word":393,"end_word":405,"sentiment":"negative","sentiment_score":-0.5501849055290222},{"text":"I've just been looking at the options. That's all I thought that well, because I was started in the Meatworks at 15, and I my body's broken down from all that heavy work. I thought that I'd have a bit of a chance to get in upon a bit of insurance claim. But, anyway, it's not there. It's Well, have you have you by any chance I I know we not only there. spoke last week, but have you by any chance contacted the what are they called? Yeah. The word will come to me. Sorry. Now you're on. The union. The union rep. Just No. had to think I the haven't. way up they were. No. That's okay. No. Is I that haven't sort of I haven't on I haven't worked in a meet going for a fair while, but I've worked in it for a long, long time. You know what I mean? Like, I'm yeah. 54 now, but I would've spent quite a bit of my life in those places. You know what I mean? Yeah. If you spent if you spent a decent amount of time working there, and especially if your condition can be linked back, it's something that, you know, could be available to you. When was the last time you worked in the Meetworks? I got out of it when I was oh, I can't remember the age, but I ended up going back to it a little while too when I got out of the truck, but I didn't stay there very long on the second round. You know what I mean? But, anyway Do you know how many years you worked in the industry? oh, not off the top of my head, but I could work it out. It's been a lot lot it's been years and years. Complete years. Yeah. Yeah. Yeah. Okay. Alright. Anyway, I gotta work it all out. Yeah. I guess so from my side, I guess, for me to be able to financially help you out and make sure that we can get you firing on all cylinders and and financially functional, I guess the best thing for me to do is to probably start with updating where all your finances are currently at and what's happening for yourself. So if I run through and have a look at, I guess, what details we have on on file for you and make sure they're still appropriate and accurate, Yep.","start_word":406,"end_word":818,"sentiment":"neutral","sentiment_score":-0.003289151855588825},{"text":"that'll probably be a really good good start point.","start_word":819,"end_word":827,"sentiment":"positive","sentiment_score":0.6922406554222107},{"text":"Yeah. Okay. So I guess to start at the beginning, I have Bonnie Pierce as, I guess, your your spouse and next of kin. Still appropriate? Yeah. Yep. Yep.","start_word":828,"end_word":856,"sentiment":"neutral","sentiment_score":0.08850640803575516},{"text":"Perfect.","start_word":857,"end_word":857,"sentiment":"positive","sentiment_score":0.33339035511016846},{"text":"Now income wise, you're currently receiving JobSeeker. Is that correct? Yep. Yep. Now do you have any medical exemption for that one, or are Yeah. they Yeah. putting Yeah. Yeah. you Yeah. through? Good. No. I've had medical all the way Perfect.","start_word":858,"end_word":899,"sentiment":"neutral","sentiment_score":0.07101652771234512},{"text":"Perfect.","start_word":900,"end_word":900,"sentiment":"positive","sentiment_score":0.46050214767456055},{"text":"So it's just a a matter of you sort of applying for the alteration through. between JobSeeker and disability support pension, which will give Yeah. you That that increased increased rates. that's correct. Yep. Alright.","start_word":901,"end_word":935,"sentiment":"neutral","sentiment_score":0.10677936673164368},{"text":"Perfect.","start_word":936,"end_word":936,"sentiment":"positive","sentiment_score":0.3925655484199524},{"text":"Now aside from that, I have, like, debt wise and and position wise, I have that you have your your house. You you own your own home. And the the the debt that you have on it is about $20,000. Is that low like, that mortgage Yeah. still Yeah. that's Yeah. Yeah. It's it's probably less than that now. okay.","start_word":937,"end_word":996,"sentiment":"neutral","sentiment_score":0.0749814024195075},{"text":"That's good.","start_word":997,"end_word":998,"sentiment":"positive","sentiment_score":0.5714976191520691},{"text":"So we're you're still able to sort of have that paid off slowly? Yeah. No. I'm going alright with that. Yep.","start_word":999,"end_word":1019,"sentiment":"neutral","sentiment_score":0.17409852147102356},{"text":"That's good.","start_word":1020,"end_word":1021,"sentiment":"positive","sentiment_score":0.4165273606777191},{"text":"And then we have the car and the motorbike about 10 and R8 Yep. in value.","start_word":1022,"end_word":1037,"sentiment":"neutral","sentiment_score":0.12951000034809113},{"text":"Perfect.","start_word":1038,"end_word":1038,"sentiment":"positive","sentiment_score":0.4593762755393982},{"text":"Yep. Is there anything on the redraw? I know you had a redraw previously. Is there any money sitting on that redraw? Or She's side, but I got no really interested in doing any redoing. No. That's okay. It's just it's it's good to sort of, I guess, know where you're at financially and whether, you know, the money that you're gonna get from Disability Support Pension is gonna be enough to cover off the debts that you have and, you know, if there's money sitting on the redraw, whether there's something we could do with that money to put you in a better financial position. And yeah. You know? Yeah. Yeah. Yeah. Yeah. I just I I'd be happy just to have that line fixed up. Yeah. So are you able to log in and have a look at how much is owing on the house? That's all. I don't have I don't do Internet banking whatsoever. I do not trust any online No. That's okay. I love an old pen and paper. Absolutely. Do you do you know where the last statement is that you've received, or do you sort of just pop into the bank and stuff. No. and No. No. check? I have to pay this here, but I've got it all tucked away. Okay. That's okay. So you know that the the loan's about, like, just under sort of under $20,000. Yeah. It's a bit late in. 18. Okay.","start_word":1039,"end_word":1282,"sentiment":"neutral","sentiment_score":0.009301058016717434},{"text":"That's good. Fantastic news.","start_word":1283,"end_word":1286,"sentiment":"positive","sentiment_score":0.45564526319503784},{"text":"Yeah. Do you know what the interest rate is on the mortgage? It's just changed recently, but I don't know. Alright. That's okay. Yep. And do you know the term of the loan that's let like, that you have remaining? No. No. That's okay. Alright. Yep. So it's about $18,000. Here, let's put it this way. Do you know what the mortgage repayments are each week or months? No. But I pay extra anyway. Fine. That's Sorry. good. I don't I'm name it, but it's all good. No. That's okay. Not a problem at all. I'm assuming that your partner, like, the Bonnie works and earns an income? Yes. But we're not partners anymore. She works away, and she's not here. Oh, okay. So where like, do you guys reside together but not in a de facto relationship? That's correct. Yep. Hi. So the I'm not the I'm not a I'm not a single at the moment.","start_word":1287,"end_word":1443,"sentiment":"neutral","sentiment_score":0.013966352678835392},{"text":"Yeah. I love it. Nothing wrong with that at all.","start_word":1444,"end_word":1453,"sentiment":"positive","sentiment_score":0.4533012509346008},{"text":"So with, I guess, your single status, are you like, the ownership of the property, is it, like, a 100% yours? Do you guys do you share it with Bonnie who No. It's not. It's all it's it's all belongs to me. Does Yep. Bonnie pay, like, board for No. residing? No. No. No? No. She don't she she doesn't live here. Oh, sorry. Apologies. I thought she still, like, lives at the house when she was off swing or off No. off work. No. Okay. No. So just just you by yourself at at at in the house. Yeah. I've got my daughter here. Oh, But beautiful. she she works, but she's cruising on her right here. Yeah. Is she paying any rental board to help you along, or are you able to Well, she could she just helps me out here in LA when I need it. Okay.","start_word":1454,"end_word":1603,"sentiment":"neutral","sentiment_score":0.004542626924812793},{"text":"That's good.","start_word":1604,"end_word":1605,"sentiment":"positive","sentiment_score":0.4863605499267578},{"text":"Because I I I assume the money that you're getting from Centrelink is not enough to pay the mortgage. Yeah. Yeah. Yeah. That's what's covered it. Oh, it's covering it? And, Yeah. like, leaving still leaving you with a little bit to be able to, like, pay the bills and eat? Yeah. Yeah. Yeah. Yeah. I'm doing okay. Yeah. Okay. No. That's okay.","start_word":1606,"end_word":1668,"sentiment":"neutral","sentiment_score":0.06296741217374802},{"text":"That's good.","start_word":1669,"end_word":1670,"sentiment":"positive","sentiment_score":0.4157045483589173},{"text":"Probably should've started with that question then. Yeah. Yeah. Okay. Yeah. Yeah. Yeah. Okay. So we're we're doing okay financially, but I think I I guess the stress would be removed if you were able to have no mortgage anymore. Is that It's correct? yeah. That'd be right. Yep. Okay. So I guess what you're looking for is just the ability to be able to pay off the mortgage Yep. and just be be debt free. And then Cool. you have the car, the motorbike, the house debt free, and you can just breathe a little bit more. Yeah. Yeah. Okay. Alright. Well, what what I would need to do, I guess, to be able to see, I guess, what financial impact is, you know, is gonna have for you. Because that is the way that we could apply to your superannuation fund, and we could remove some of the money from your super fund to pay out your mortgage. And you you could release that under under basically total impermeability. So we we would need to go through, like, the medical applications to do that. Yep. Yeah. I'd have a better chance once I do get the disability pension, might I? Because once I've got that, there's more or less sort of They're there's actually totally separate. The like, you can do them in tandem. One doesn't affect one one application does not affect the other. So if you're approved for disability support pension and and rejected for superannuation, don't normally see that happen, to be completely honest with you, but let's just say, for argument's sake, it did happen. They don't Yep. they don't affect each other at all.","start_word":1671,"end_word":1951,"sentiment":"neutral","sentiment_score":0.05102702866563593},{"text":"So you're actually able to apply at the same time. But the good thing is is, obviously, with the disability support pension, the income increases from Yeah. JobSeeker.","start_word":1952,"end_word":1979,"sentiment":"positive","sentiment_score":0.5179148316383362},{"text":"You know? You get that little Yeah. bit Yeah. Yeah. extra, Yeah. which is An definitely extra gonna four help 100. out. I I think it's an extra 400. Yeah. Yeah. It's sort of about that figure. Yeah. I mean, you know, But little bit of change but either I think outside. I I I'd have a bit more of a conversation for you once I because I gotta go and get all the medical details and then get out of hospitals and all these other places where I've been treated from and stuff like that. And I probably need to get some reports and stuff like that from a specialist Yeah. that's done all his surgery and things like that and gather Well up a bit of a an evidence trial. You know what I mean? yeah. You will. The thing is is with the Superfund, there are documents that you need filled out. So if Yep. you are intending on going and seeing those doctors, what I can do is I can either email or post the documents to you that you're able to get filled out from those doctors when you go and talk to them. Okay. Obviously, any documents that you do receive from the hospital or other is still used for, but there is a very specific form that the that the super funds won't filled out because it has a very specific statement on it that they want the doctors to sign off declaring that you're likely never able not likely not going to work again. Yep. So I can get those documents to you. And then what I would ultimately, I guess, need from yourself is I would need, I guess, just that that latest mortgage statement would probably be the best thing because that just gives me the interest Yes. rate, so it tells me over the x number of years how much interest you're gonna pay. Yes. And I can then compare that to if we were gonna remove money from your super fund, you know, obviously, taking into consideration your wishes and and, and just run the numbers for you to present to Okay. you where everything lands. Yep. Because that'll that that'll give a good a good indication as to, you know, how we can sort of proceed with everything. We're not calling. Sure. Yeah.","start_word":1980,"end_word":2375,"sentiment":"neutral","sentiment_score":0.0321950522025652},{"text":"Perfect.","start_word":2376,"end_word":2376,"sentiment":"positive","sentiment_score":0.440575897693634},{"text":"Well, I can I can get that happening where we we basically look at getting the getting the claim started? So I'll contact Netwealth, get Yes. them get them to issue the claims documents to me and get Yes. it started. Would you prefer the documents posted to you, or are you happy for them to be emailed?","start_word":2377,"end_word":2434,"sentiment":"neutral","sentiment_score":0.23485314846038816},{"text":"Post it to me would be fantastic. I can 100% do that. I'll get the claims documents issued, and then I'll get them all posted off to you.","start_word":2435,"end_word":2462,"sentiment":"positive","sentiment_score":0.5596485137939453},{"text":"And I'll put little tabs on them to explain, like, who needs to fill out what. There'll be two Yeah. different I can. doctor's forms. So two different doctors have to fill them out, and Yep. there'll be a little form for yourself to fill out as well. Yep.","start_word":2463,"end_word":2511,"sentiment":"neutral","sentiment_score":0.06959717720746994},{"text":"It just basically says, like, I declare that I am unfit for work because of blah. Nothing too too crazy and strenuous.","start_word":2512,"end_word":2533,"sentiment":"negative","sentiment_score":-0.43435296416282654},{"text":"And Yep. then you can, yeah, post them on back to me once they're all done. Yep. If you, of course, have any questions when the documents do arrive, you can, you know, you can, yeah, give me a call, ring, and and have a chat. Either myself or Caden here in the office will be able to help you out from a claims perspective, but what we'll do is we'll get that started and and go from there.","start_word":2534,"end_word":2612,"sentiment":"neutral","sentiment_score":0.15551166557058504},{"text":"Cool.","start_word":2613,"end_word":2613,"sentiment":"positive","sentiment_score":0.39957746863365173},{"text":"Are you able to take a photo or email, text, whatever the case may be, like, that latest Yes. loan Okay. statement? What? I can do that later on this morning when I find it. Yeah? Yeah. Yeah. Absolutely. What I'll do is do you want me to text you or email you so you can reply? Just a text will be fine. Yeah.","start_word":2614,"end_word":2677,"sentiment":"neutral","sentiment_score":0.13304908573627472},{"text":"Perfect.","start_word":2678,"end_word":2678,"sentiment":"positive","sentiment_score":0.411077082157135},{"text":"I'll text It'll you, it'll and be it'll open. just say from Larissa or Q. And, yeah, if you take a photo of that statement, I'll keep it on file. And then when I start getting all the research and everything put together, we can go from there. This is Cool. not something that we can turn around in a day, a week, or anything like No. that. No. It No. takes, No. No. I I I understand yeah, it takes a little bit of time.","start_word":2679,"end_word":2764,"sentiment":"neutral","sentiment_score":0.1050027683377266},{"text":"The good thing is is that financially, I'm I'm glad to hear that you are doing okay.","start_word":2765,"end_word":2781,"sentiment":"positive","sentiment_score":0.5473958253860474},{"text":"Obviously, it's a little bit tight, but that you're doing okay. that. I've been doing it I've been doing it for a long time. Yeah. Yeah. So you've had to just accept and tighten the belt as much as you can.","start_word":2782,"end_word":2822,"sentiment":"neutral","sentiment_score":0.07570317387580872},{"text":"Well, I've done it well. I think it's all good.","start_word":2823,"end_word":2832,"sentiment":"positive","sentiment_score":0.5484073758125305},{"text":"Yeah. Well, let's let's alleviate some of that pressure, get that loan paid off, and and let Mhmm. you kinda breathe a little bit. No problem at That's okay. So all. let me run through and start having a look at everything Thank from my side. Once you get those those you. documents to me, we can go from there. Alright? Yeah. Not a problem at all.","start_word":2833,"end_word":2899,"sentiment":"neutral","sentiment_score":0.16087880730628967},{"text":"Perfect.","start_word":2900,"end_word":2900,"sentiment":"positive","sentiment_score":0.4212567210197449},{"text":"Alright. I will get that text message sent to you, and Yep. we can start start the process, start the claims and everything like that, and and we can go from there. Okay?","start_word":2901,"end_word":2933,"sentiment":"neutral","sentiment_score":0.21938235651363025},{"text":"That'd be awesome. Thank you very much. That's absolutely okay.","start_word":2934,"end_word":2943,"sentiment":"positive","sentiment_score":0.7693848013877869},{"text":"Well, did you have any other other questions while we were on the phone? Or No. Not at the moment. okay.","start_word":2944,"end_word":2964,"sentiment":"neutral","sentiment_score":0.006829234305769205},{"text":"That's absolutely okay. You are 100% able to give me a call anytime that you have Yep. any questions, and and I'll be able to help you out. Alright? Good on you. Thank you very much. That's okay, Doug. I'll I look forward to working with you over the next coming couple of months and get Okay it all then. done. Thank you. Perfect. I'll be hearing from you then soon. You sure will.","start_word":2965,"end_word":3038,"sentiment":"positive","sentiment_score":0.5462393164634705},{"text":"Alright. Bye for now. Bye. Alright.","start_word":3039,"end_word":3044,"sentiment":"neutral","sentiment_score":0.1727742850780487}],"average":{"sentiment":"neutral","sentiment_score":0.07205278754013146}}}}