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Not a problem at all. Just to get started on that one, Andrew, if I could pass you to security, just that name, date of birth, and current address, we can get stuck into that one today. Perfect. Thank you. I just let you know these calls are recorded for quality and training purposes there as well. Now I don't believe we have spoken before, Andrew. I'm one of the financial advisers here at Oakview Financial. If you wanted to see me or the rest of the team that's here at the moment, they have updated the website there. You can see the most up to date financial services guide and Oakview services guide there as well with a few business updates that they've done if you'd like to have a look at those as well. I know you've done a few of these before there, Andrew. So I'll try and make it as short and sweet as possible as I can for you. We'll run through and do some updated track fund information, a risk profile, make sure that's up to date. I'll run through sort of what's occurred over the last twelve months. And then from there, the team will send you out to see a new review pack with the the twelve month performance, just your currency and things like that as well, if that's alright. Perfect. I'll just go a few and confirm your details there. So are you currently still under a factor relationship at the moment or perfect. And still, Sofia is your next of kin contact? Yep. I don't have a a phone number here for Sofia. Did you wanna provide, like, a phone number and email in fact we couldn't reach you to reach out to her at any point? Yep. Was it 323? Sorry. It cut out there a little bit. Perfect. As I said, that's just the email that we couldn't reach you for whatever reason. And is it still just the two dependents at home? Perfect. And as far as your role goes there, Andrew, are you doing maintenance work there and you're self employed? Are you still doing that role? Perfect. And as far as, like, job duties at the moment, are you still, like, a 100% out in the the field with that one? Do you have a few people? Do you do a bit more office admin work these days? 30. Probably like a seventy thirty sort of split of, like, out there actually doing the work and then 30% having to deal with the invoices afterwards. A '20. K. And then as far as a name that you've given your your business there, have you got that sorted yet? Because we didn't have one the last time you spoke to us. Or maybe they just didn't track it down. They and instead the a few of the old. Perfect. And as far as hours per week that you're doing, you're doing like a standard work week. Obviously, it's your own, you know, own show. You're probably doing a bit more, but is the average week around the forty, forty five hours sort of thing? Okay. Yep. Perfect. And how long have you been doing that sort of industry of, like, the maintenance work, if you don't mind me asking? Yep. And prior to that what were you doing prior to that? Sorry. Just because we haven't spoken. Construction. And you're not doing any work above 12 meters at the moment, are you? Not dealing with any hazardous materials, not, like, doing any asbestos removal, things like that? Great. And as far as income's concerned, I know your pay is up around 75 per annum the last time you spoke to us there? Is that sort of similar or has that changed? You can just do the the gross and you can let us know the net if you'd like. Yep. And do you pay yourself any sort of dividends or anything like that from the business? Do you pay yourself any sort of, like, dividends being the business owner and things like that? Or, like, it you're it's fully under, like, self employed. It's not a company? Okay. So sole sole trader. Perfect. And as far as, like, expenditure versus savings per week, do you know roughly sort of what your ins and out goings feel like the home budget is looking like at the moment? Is there an amount you sort of roughly try to put like in an offset account or savings per week? Yeah. No. Completely understandable. Obviously, the cost of living at the moment, it's not too easy at the best of times. Having a younger family makes that a little bit harder there as well. Understandable. And as far as contributions go, I know you weren't, like, currently for the last, like, the last few years contributing to your superannuation. Have you decided to, you know, maybe review that in future? Or Yep. Yep. Yep. Perfect. And then will you be doing that, like, through your your account? Do you plan on doing it, like, just lump sum at the end of the year when you do, like, you sorta tax return around that sort of time? Perfect. There's a few ways you can sort of do it as well. Obviously, you can speak to your accountant on how you sort of want to do it. But with that, you can obviously just, like, chuck it in because you're a sole trader. Obviously, all your income's considered, like, take home income under the business, and super is not a a deduction there for you. But in saying that you can sort of just chuck it in, like, after tax money and then go to claim a notice of intent at the end of the year with your account. The with that, though, obviously, money going in after tax to your superannuation because fees and everything like that are, like, deducted proportionately. It will affect the amount that you can actually claim unless you claim your notes of intent each quarter when you put that money in, or you could look to sort of do it through some sort of accounting software with your account that makes it go in through SuperStream. So like any other pay PAYG or sort of salary sacrifice type payment. Perfect. If you do wanna have it, like, discussion or anything like that, obviously, you know, they're probably better suited to let know what way they do it for tax purposes. But we can sort of just give you some more general information if you ever sort of wanna have a chat about it, but that's more than fun. As far as the assets and liabilities go, I had here you had the the three cars and then the house at the moment now. With the three cars, I had the combined debt value around 80,000 85,000. Is that sort of changed much at all? Have you sold any of those cars? Yep. And which car did you get rid of? Was that the $7,000 car? I've just got car written three times. There's no actual make or model here because we didn't speak the last time. I'm not too sure because I've got the the one worth a 100,000, which I'm pretty sure would be a work vehicle. Is that like a Hilux, or is that like a Land Cruiser? Hilux? 30. And then they have a car worth around the 30,000 mark with something listed, what car do you think that oh, sorry. What was that? 30,000? Sorry? Yep. And then there's one around there. 7,000 what make is that one? Is that like? Yep. And then as as far as the debt value goes, you know how much is owing on the the Hilux and the your partner's car? Yep. And is that loan solely attached to your like the work car? So it's it's not a car loan. It's just an equipment loan? Yep. Yep. And as far as what's left owing on the house at the moment, do you know roughly what it's 7 500. It's going up a little bit. Is that because of the renovations you were doing? Yep. And how much is the value of that one sitting at at the moment? Yep. Perfect. Obviously, it doesn't matter, like, a whole heck. So that you after you do your renovations, you plan on jumping ship right at the moment, but good to know that you've added a bit of value to the home. So that's good. And you've refinanced to get the benefit of the the loan, which is good as well. As far as any other assets and liabilities that we're not really aware of, is there anything else that that have yep. Do you have a little bit in, like, an offset account or a savings account that you're sort of trying to obviously, you know, the cost of living is a bit rough, but trying to have a bit of a cash buffer in? Yep. No. Definitely understandable. Hopefully, things ease once your sort of partner gets to go back to to work a little bit as well there. Now apologies for these questions if you answered these previously as well. So they'd sort of bumped up the the the workbook a little bit, and there's a few sort of other copies. So it's not all consolidated, but you've never declared bankruptcy or a partner on debt agreement, have And as far as health goes, are you currently smoking, nonsmoking? Right. And your health's been largely well for the the past year. No unexpected health changes, injuries, hospital trips? Right. Good to hear. No medications at the moment? Yeah. The the reason I asked these questions because obviously you've got insurances through Neos there as well. So we just like to make sure that, you know, if anything does changes because, you know, you can with the policy if your health is largely unchanged, look at rewriting things like that. If certain things do pop up, they're likely to be exclusions on newer policies. So we just like to make notes of them just in the event, you know, we do look at rewriting, so that's fine. And do you have private health cover at the moment? Yep. Is that hospitals and extras or just and I know you've got your beneficiary and forms in place with your partner, but have you managed to get around to setting up a will at all? Does that include the your youngest child? Okay. No problem. So it probably does need to to have a little bit of a refresh that and, like, with conjunction, like, setting up things with power attorneys, things like that. Obviously, being a huge de facto partner, sometimes you plan on getting married as well in sort of the near future. Obviously, marriages do okay. Not married people. Yeah. Okay. Completely understandable. You know, obviously, there's there's a courthouse weddings, but, you know, they're not too much funds. There's not really a point to it at that point, is there? Exactly. You just gotta forecast $30 to pay for the meals with a bunch of people you probably don't wanna see anyway. So understandable. Obviously, there's the estate planning side of things, setting up a will power to any things like that. That's obviously important with having the young family. This one's a bit random too, but you're not a tax resident for any other jurisdiction other than Australia at the moment? Yep. And you or your family don't partake in any sort of politics or anything like that, do you? Yeah. Politics? You're not involved in any sort of politics, local or otherwise, or any family members that are involved? Yeah. No. I completely understand. I know it sounds a bit random, obviously, in regards to, like, certain any money laundering legislation. It's just important that we sort of know who is politically exposed and then also, you know, if they're doing dodges, if someone's getting $30.30 grand regular contributions to, like, an investment account and they don't know where the money's coming from, those are sort of things we need to look out for, which obviously doesn't apply to you. So that's fine. Find me a little bit less. As far as goals that you're working towards there, Andrew, is there anything in the short term, obviously, other than, you know, just focusing on the young family at the moment, making sure everything's sticking along that you're sort of working towards? I know your main thing was doing the the renovations there, but is there anything else that you're sort of working towards as a goal? Yep. Completely understandable. So main goals for would just be paying down the debt, focusing on the young family. Right? As far as insurances are concerned, we see we do like to, you know, just double check and see how you feel about them. You do have the income protection cover there that only covers for the monthly benefit around the 2,400. Now with your income increasing to that, like, a 100,000 mark, you cover up to 70% of, like, your income as, like, a monthly benefit amount for income protection. Now given that when you first took out the policy, your income was quite low in terms of, like, what your business was making because I believe you were just starting out. So 70% of, like, your 100,000 would be seen in, like, the 5,800 in terms of, like, a monthly benefit. So currently, yeah, you're about half that in terms of, like, what you're actually covered for and the that anything did go wrong. And then, obviously, I think about taxes, things like that. As far as the life and total disability portions, you do have more than enough to cover your current debts and then a little bit on top, say, if you were not able to work or draw an income to be able to sort of live off that in any sort of government assistance programs you may be eligible for. But do you feel like that's something you wanna review at this stage with your income protection cover, or is that something like, given how things are at the moment, you just wanna put off? Yeah. Because for us to revisit underwriting again, we'd put you through a post of what's called that pre assessment again, just where we ask a little bit more about your occupation and health. And then we just go off to the insurers, see how they'll rate you in terms of, like, your occupation and then also in regards to your health. Now being a handyman, unfortunately, isn't, like, the best rated occupation just due to, like, the odd jobs that you can do. So they kinda just rate you at the worst of what you're sorta able to do, which as a handyman, you can kinda do a bit of everything. So it's not fantastic. Health wise, I'm not too sure what would count less that during the pre assessment, but then you would be able to see sort of what they'll offer cover out, what pricing, things like that as well. And if we have to do look at retaining your current policy and then some top up things like that, that's all options there as well. In saying that with, hey. Is that something you wanna potentially, like, do the pre assessment now and get that started? Because another thing we were looking at potentially doing there, I'm not too sure if you've, you know, had a look at the the markets, your portfolios, what's been happening, but there's a actively managed portion in your portfolio called Benelung. Now that Benelong fund did have an underlying investment. Makes out about, like, it was 15%, but now it's closer to the 10% of your portfolio. It's an actively managed fund. One of their underlying investments, corporate traveler, got done for not doing their accounting correctly. But if you're doing a few dodgies, it caused them to be put on a trading halt. Their corporate traveler investment made Benelon have to reevaluate that stock. And as a result of that, it caused Benelon share price to take a bit of a dive in addition to losing a bit of consumer confidence there as well. So we were looking at removing phenolong. There's a few options there. We can look to remove it with an active portion again and have another managed fund that tries to outperform the market, or we can look to just go passive with that investment and then have that to where it just follows the indexes much like the rest of your portfolio, which can also just reduce the the overall cost of investing. Given that it is a minor portion of your portfolio or lesser sort of satellite portal, like performance piece. It hasn't affected your performance too much in terms of what the return you did receive for the year. So over the past twelve months, they still did around 11.4% even with all the world wars and everything going on, which isn't too bad at all. But in saying that as well, the Benelong did go back around 19% in that time period with that dip that did occur with that announcement. Because as I said, like, the rest of your portfolio is performing quite well. It's just an active portion. As a business, they are moving away from that. So the options are is obviously just find an alternative passive replacement or an active replacement just to, like, knock out that 15% essentially of that. I'm happy to sort of even just give you a bit of time with everything following today and book in for maybe a three month follow-up when things fell down a little bit maybe for you, and then sort of we can go over it then because you've made the loss now, and it's not the hugest portion of your portfolio. And then maybe you'll have a bit more time to go over the insurance matters there as well and do a review of that. Not in so many words. So with that, your allocation to, like, growth assets. So if you have a passive or an active, you're still invested in things like shares, which are all, like, considered growth assets. The the more risk comes from having the manager itself. So when it's passive, you still have the same exposure to growth assets. You're just tracking, like, an industry. So, like, the S and P 500 is the top 500 companies in America. It's, like, fluctuates in the sense that if a company, you know, gets skyrocketed out and they jump in that top 500, you'll hold it as an investment. If they crap the bed and fall out of that, you'll lose that investment in terms of holding it in your portfolio. Whereas the the fund manager itself builds a portfolio based on what they believe is, like, market value, whether that's to be, like, they see equity in the the company, market share in the company. They think it's, like, a valued under you know, undervalued stock. They're the ones that do the picking and choosing, whereas the industry does that for you just based on a set of metrics, whether that's, like, market cap size. There's a few other industries that do it based on, like, other metrics, but, essentially, they stick to their metric. They just go with the metric, whereas a manager basically is picking winners. And then when they get it wrong, obviously, it doesn't go too great. When they get it right, they outperform the market. So that's where you get that, like, alpha generation where you can outperform what the market is doing by picking a few of those more top performing companies. Another active? Yeah. No. That's fine. As I said, yeah. So a lot majority of your portfolio is that sort of passive investing, which is a lot cheaper in terms of that. The active portion, obviously, is to have that little portion that aims to outperform and do a little bit better. Obviously, it hasn't done that, but in saying that, given the the weighting of your portfolio, it hasn't affected the growth out of it too much at all. Not a problem at all. Definitely can do that. In terms of updating that advice, please, did you wanna go through the pre assessment process and start that as well for your insurances now as well? Is that something you wanna address at a later Alright. I'll add it to the the pile in the sense that they'll, like if they get to it within that three months, at the sort of bottom of the list due to the fact that we are having another conversation, you're just going away and having to think about things. If they have it done before, that's fantastic. If not, we'll touch base then and get the ball rolling a bit quicker, and then we can touch on the insurance matters there as well. You don't currently have trauma insurance as well, which I'm not too sure how much you remember of that from the conversation that may have happened, you know, five years ago. But that's that insurance that covers the things like heart attacks, strokes, traumatic events that may not fall under, like, your total permanent disability income protection style covers. And in in saying that is a cover that has to be paid out of pocket. So given the the cash flow at the moment, probably not fantastic until, you know, giving it a bit of a three month wait. But in saying that, it is something to consider, and we can have a bit more of a discussion around that a bit later as well if you'd like to see if you'd tell me if you're interested in seeing at least the pricing around. Not perfect. Now I'm just gonna do a quick risk profile there just to make sure that everything lines up with what we currently got you invested in just to to make a note of it. And as an we'll we'll leave it for the the three months anyway. But you are currently in that higher growth portfolio, and that's about a ninety ten split. So a ninety ten split in that sense that you have 90¢ growth type assets and about 10% more defensive like fixed interest. You know? Gold is considered a bit more of a growth asset at the moment just the way it's been performing, but you could also consider that a little bit to be defensive in the sense that during market downturns, it tends to go up in price a bit as well. Have you made any direct share investments since we sort of last spoke at all there, Andrew? Yeah. Not a problem at all. And then with the cost of living and inflation and, you know, how much everything is going up, are you willing to take on still a more moderate to high amount of risk to try and outpace that inflation to make sure your money is still growing? Perfect. And it's it's one of those things that you couldn't guess it if you wanted to, what they're gonna do next. Yeah. It's it's kind of just like the, you know, the the morning coffee cooler talk at the moment. It's just it's crazy kind of what is occurring each sort of day. It's like it's almost like you need a bingo card, but it's for the worst possible outcomes at the moment. So in saying that, though, war tends not to have, like, the like, a a major major downturn effect on market as things like terrorist attacks and things like that do. Obviously, it does cause a lot of fluctuation, a lot of short term volatility, but in terms of, like, market rebound, it tends to be a lot smoother than other sort of world events as well. So as long as it doesn't evolve into, you know, World War three, the current walls, although they are having quite the effect on the markets currently, hopefully, is a bit more short lived much like the the Trump tariff announcements that occurred at the start of last year that caused the markets to have a bit of haywire as well. But in saying that, if you did sort of change up your investments and six months after that dropped by 20% just due to, like, market trends there, like, you know, the war continues as another announcement, things like that, would you still hold your investments and wait for the long term for for those to recover? Yeah. And if anything, would you still, like, put contributions into your super during those time frames when the markets are down? Yep. Yeah. And in terms of that, like, it can be, like you said, if it's companies that you have faith in returning in terms of their value and they've just lost it on paper, you don't typically lose until you're actually sold out of something. So in saying that with all those dips at the market, it doesn't matter until you're, like, a retiree, basically, and looking to, you know, get a chunk of your money out. Otherwise, everything else is just on paper. So at that time, you know, that is occurring, and the prices are down. If you're putting money still into your superannuation, you're getting those stocks at a lower price. So when they do at some point, return unfortunately, you know, you've got a fair bit of working life left behind you. There's plenty of time for those to return and then grow by then some. Does that make sense? Perfect. And then with, like, COVID and things like that, when you you super did take a little bit of a hit there, did that make you, like, concerned at all, or you're just a little bit cautious of what's going on but not too fast? Exactly. And then opposed to the current loan you do have for, like, property and business equipment, would you ever put borrowed money into, like, an investment property, any sort of other investments at a later date? Sort of, you know, I think Yep. And then with that, that's obviously something we can help you with. And then if you don't have well, obviously, you've probably got a mortgage broker or you're just doing it through the bank, but we do have a few mortgage brokers here as well if you'd like to have a chat with them and see what their sort of views are and see if they can get you a sort of better loan as well, if that's something you wanna do opposed to maybe just going with your your bank if it's just through never things like that. Okay. Perfect. Great. And then in regards to those reports as well, obviously, they'll send out a copy of, like, your reports when they send out the AR pack in that. They'll do, like, a twelve month report, which as I said, they're sitting around the sort of 11.4% at the moment, which is, you know, great considering everything that is happening. I can let you know sort of as a a rolling return of sort of average what you've achieved since you've been onboard is sitting around the the 9.01% after fees in terms of return that you have gotten averaged out since the time you've been onboard yearly, which is, yeah, a really nice sort of track record of solid returns after fees, obviously, that is, you know, occurring there. And given that you aren't really contributing there at the moment, it's really quite nice growth that is going in. Yep. With that, generally, with the cost of property at the moment and your balance, so they say between, like, 3 and 500,000. Obviously, you know, if you linked up with your partners or whatnot, you might be able to reach that amount. But they say between the 3 and 5 is where you can sort of maybe consider it, but then saying that it depends on, like, the property and what you're trying to invest in as well. Most sort of specialists say anywhere between, like, the $507,100,000 dollar mark, a normal sort of retail or industry fund can compete with the returns that do get in your self made super funds just based on the fact that the cost of running them is a lot higher than having, like, a standardized super or or, like, a retail rep platform. And then, obviously, a lot more compliance with you yourself and your responsibility to manage that being a self managed super fund. And then it becomes a lot more concentrated in terms of, like, your risk. So you take all your, you know, diversified ETFs, and you'd be putting them all into, like, one basket, which is that property. You know, it could, you know, get struck by, you know, a cyclone, could be damaged, poor tenants, things like that. And then you've got to think about your time to retirement and drawing down on that superannuation. Like, I'm not trying to talk you you out of it, but, you know, you're taking on another yeah. Yeah. And then, yeah, the the other main thing there as well is it's a thirty year loan most likely. And then if you don't have, like, a separate, like, investment portfolio within that and you hit, you know, sixty, sixty five, and you're start drawing down some of those funds, if you've only got a loan attached and the the rental's not even covering the loan, you know, you've gotta bridge that somewhere, and you've either gotta keep putting money in, keep working, sell the property, and then you're sort of back to to square one of having to reinvest that money. And then you've either gotta switch back to a super fund or you've gotta a look at, you know, just maintaining a self made super and paying those administration costs and audits just to have basically cash invested in shares and stocks, which is something to be mindful of as well. Yep. Obviously, if you want, like, a little bit more, happy to have a bit more of a chat around it. You can also look up things on the ATO that I think things like that. They do release, like, reports on them and stuff as well. They actually are tracking down a little bit in the sense that, you know, some people really just want them and some advisers just go along with it and recommend it, and it really just isn't putting clients in a better position. So a bit bit more wary about it and saying making sure that it will do. Obviously, you know, if you go in with, you know, your partner and you're looking at, like, a $500,000 property, you still lack of diversification. It comes like it still can be a lot more affordable and things like that as well. But, yeah, it all just depends on the situation, but there are a lot more sort of risks as well to it. Not a problem. Is there anything else you wanna chat about there, Andrew, in regards to anything at all? So is it as I said, I'll sort of start a note on this just so they can start the research a bit falls. You know, they've run out of work, which are are down at the moment. There is a bit of a backlog, but then I'll chuck you down for a three month follow-up, and then we'll really get the ball sort of rolling there just to do that little update with Benelon. In that time frame, we never know. They might sort of make a bit of recovery as well and recoup a bit of that loss. But if you're happy with that 15 or more 10% now just riding at the moment while you sort of sort a few things out, and then we can discuss your insurances and the investments a bit more at that later date. Crazy, mate. Well, you enjoy the rest of your day. Thanks for your time, and I'll talk to you shortly, I'm sure. No problem, Andrew. You enjoy the rest of your day. Thanks. 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afternoon, Andrew. It's Carl calling from Oakview Financial. How are you today? That's good to hear. I just scheduled in for you and your review.\n\nIs Nestle a good time for you? Perfect. Not a problem at all. Just to get started on that one, Andrew, if I could pass you to security, just that name, date of birth, and current address, we can get stuck into that one today. Perfect.\n\nThank you. I just let you know these calls are recorded for quality and training purposes there as well. Now I don't believe we have spoken before, Andrew. I'm one of the financial advisers here at Oakview Financial. If you wanted to see me or the rest of the team that's here at the moment, they have updated the website there.\n\nYou can see the most up to date financial services guide and Oakview services guide there as well with a few business updates that they've done if you'd like to have a look at those as well. I know you've done a few of these before there, Andrew. So I'll try and make it as short and sweet as possible as I can for you. We'll run through and do some updated track fund information, a risk profile, make sure that's up to date. I'll run through sort of what's occurred over the last twelve months.\n\nAnd then from there, the team will send you out to see a new review pack with the the twelve month performance, just your currency and things like that as well, if that's alright. Perfect. I'll just go a few and confirm your details there. So are you currently still under a factor relationship at the moment or perfect. And still, Sofia is your next of kin contact?\n\nYep. I don't have a a phone number here for Sofia. Did you wanna provide, like, a phone number and email in fact we couldn't reach you to reach out to her at any point? Yep. Was it 323?\n\nSorry. It cut out there a little bit. Perfect. As I said, that's just the email that we couldn't reach you for whatever reason. And is it still just the two dependents at home?\n\nPerfect. And as far as your role goes there, Andrew, are you doing maintenance work there and you're self employed? Are you still doing that role? Perfect. And as far as, like, job duties at the moment, are you still, like, a 100% out in the the field with that one?\n\nDo you have a few people? Do you do a bit more office admin work these days? 30. Probably like a seventy thirty sort of split of, like, out there actually doing the work and then 30% having to deal with the invoices afterwards. A '20.\n\nK. And then as far as a name that you've given your your business there, have you got that sorted yet? Because we didn't have one the last time you spoke to us. Or maybe they just didn't track it down. They and instead the a few of the old.\n\nPerfect. And as far as hours per week that you're doing, you're doing like a standard work week. Obviously, it's your own, you know, own show. You're probably doing a bit more, but is the average week around the forty, forty five hours sort of thing? Okay.\n\nYep. Perfect. And how long have you been doing that sort of industry of, like, the maintenance work, if you don't mind me asking? Yep. And prior to that what were you doing prior to that?\n\nSorry. Just because we haven't spoken. Construction. And you're not doing any work above 12 meters at the moment, are you? Not dealing with any hazardous materials, not, like, doing any asbestos removal, things like that?\n\nGreat. And as far as income's concerned, I know your pay is up around 75 per annum the last time you spoke to us there? Is that sort of similar or has that changed? You can just do the the gross and you can let us know the net if you'd like. Yep.\n\nAnd do you pay yourself any sort of dividends or anything like that from the business? Do you pay yourself any sort of, like, dividends being the business owner and things like that? Or, like, it you're it's fully under, like, self employed. It's not a company? Okay.\n\nSo sole sole trader. Perfect. And as far as, like, expenditure versus savings per week, do you know roughly sort of what your ins and out goings feel like the home budget is looking like at the moment? Is there an amount you sort of roughly try to put like in an offset account or savings per week? Yeah.\n\nNo. Completely understandable. Obviously, the cost of living at the moment, it's not too easy at the best of times. Having a younger family makes that a little bit harder there as well. Understandable.\n\nAnd as far as contributions go, I know you weren't, like, currently for the last, like, the last few years contributing to your superannuation. Have you decided to, you know, maybe review that in future? Or Yep. Yep. Yep.\n\nPerfect. And then will you be doing that, like, through your your account? Do you plan on doing it, like, just lump sum at the end of the year when you do, like, you sorta tax return around that sort of time? Perfect. There's a few ways you can sort of do it as well.\n\nObviously, you can speak to your accountant on how you sort of want to do it. But with that, you can obviously just, like, chuck it in because you're a sole trader. Obviously, all your income's considered, like, take home income under the business, and super is not a a deduction there for you. But in saying that you can sort of just chuck it in, like, after tax money and then go to claim a notice of intent at the end of the year with your account. The with that, though, obviously, money going in after tax to your superannuation because fees and everything like that are, like, deducted proportionately.\n\nIt will affect the amount that you can actually claim unless you claim your notes of intent each quarter when you put that money in, or you could look to sort of do it through some sort of accounting software with your account that makes it go in through SuperStream. So like any other pay PAYG or sort of salary sacrifice type payment. Perfect. If you do wanna have it, like, discussion or anything like that, obviously, you know, they're probably better suited to let know what way they do it for tax purposes. But we can sort of just give you some more general information if you ever sort of wanna have a chat about it, but that's more than fun.\n\nAs far as the assets and liabilities go, I had here you had the the three cars and then the house at the moment now. With the three cars, I had the combined debt value around 80,000 85,000. Is that sort of changed much at all? Have you sold any of those cars? Yep.\n\nAnd which car did you get rid of? Was that the $7,000 car? I've just got car written three times. There's no actual make or model here because we didn't speak the last time. I'm not too sure because I've got the the one worth a 100,000, which I'm pretty sure would be a work vehicle.\n\nIs that like a Hilux, or is that like a Land Cruiser? Hilux? 30. And then they have a car worth around the 30,000 mark with something listed, what car do you think that oh, sorry. What was that?\n\n30,000? Sorry? Yep. And then there's one around there. 7,000 what make is that one?\n\nIs that like? Yep. And then as as far as the debt value goes, you know how much is owing on the the Hilux and the your partner's car? Yep. And is that loan solely attached to your like the work car?\n\nSo it's it's not a car loan. It's just an equipment loan? Yep. Yep. And as far as what's left owing on the house at the moment, do you know roughly what it's 7 500.\n\nIt's going up a little bit. Is that because of the renovations you were doing? Yep. And how much is the value of that one sitting at at the moment? Yep.\n\nPerfect. Obviously, it doesn't matter, like, a whole heck. So that you after you do your renovations, you plan on jumping ship right at the moment, but good to know that you've added a bit of value to the home. So that's good. And you've refinanced to get the benefit of the the loan, which is good as well.\n\nAs far as any other assets and liabilities that we're not really aware of, is there anything else that that have yep. Do you have a little bit in, like, an offset account or a savings account that you're sort of trying to obviously, you know, the cost of living is a bit rough, but trying to have a bit of a cash buffer in? Yep. No. Definitely understandable.\n\nHopefully, things ease once your sort of partner gets to go back to to work a little bit as well there. Now apologies for these questions if you answered these previously as well. So they'd sort of bumped up the the the workbook a little bit, and there's a few sort of other copies. So it's not all consolidated, but you've never declared bankruptcy or a partner on debt agreement, have And as far as health goes, are you currently smoking, nonsmoking? Right.\n\nAnd your health's been largely well for the the past year. No unexpected health changes, injuries, hospital trips? Right. Good to hear. No medications at the moment?\n\nYeah. The the reason I asked these questions because obviously you've got insurances through Neos there as well. So we just like to make sure that, you know, if anything does changes because, you know, you can with the policy if your health is largely unchanged, look at rewriting things like that. If certain things do pop up, they're likely to be exclusions on newer policies. So we just like to make notes of them just in the event, you know, we do look at rewriting, so that's fine.\n\nAnd do you have private health cover at the moment? Yep. Is that hospitals and extras or just and I know you've got your beneficiary and forms in place with your partner, but have you managed to get around to setting up a will at all? Does that include the your youngest child? Okay.\n\nNo problem. So it probably does need to to have a little bit of a refresh that and, like, with conjunction, like, setting up things with power attorneys, things like that. Obviously, being a huge de facto partner, sometimes you plan on getting married as well in sort of the near future. Obviously, marriages do okay. Not married people.\n\nYeah. Okay. Completely understandable. You know, obviously, there's there's a courthouse weddings, but, you know, they're not too much funds. There's not really a point to it at that point, is there?\n\nExactly. You just gotta forecast $30 to pay for the meals with a bunch of people you probably don't wanna see anyway. So understandable. Obviously, there's the estate planning side of things, setting up a will power to any things like that. That's obviously important with having the young family.\n\nThis one's a bit random too, but you're not a tax resident for any other jurisdiction other than Australia at the moment? Yep. And you or your family don't partake in any sort of politics or anything like that, do you? Yeah. Politics?\n\nYou're not involved in any sort of politics, local or otherwise, or any family members that are involved? Yeah. No. I completely understand. I know it sounds a bit random, obviously, in regards to, like, certain any money laundering legislation.\n\nIt's just important that we sort of know who is politically exposed and then also, you know, if they're doing dodges, if someone's getting $30.30 grand regular contributions to, like, an investment account and they don't know where the money's coming from, those are sort of things we need to look out for, which obviously doesn't apply to you. So that's fine. Find me a little bit less. As far as goals that you're working towards there, Andrew, is there anything in the short term, obviously, other than, you know, just focusing on the young family at the moment, making sure everything's sticking along that you're sort of working towards? I know your main thing was doing the the renovations there, but is there anything else that you're sort of working towards as a goal?\n\nYep. Completely understandable. So main goals for would just be paying down the debt, focusing on the young family. Right? As far as insurances are concerned, we see we do like to, you know, just double check and see how you feel about them.\n\nYou do have the income protection cover there that only covers for the monthly benefit around the 2,400. Now with your income increasing to that, like, a 100,000 mark, you cover up to 70% of, like, your income as, like, a monthly benefit amount for income protection. Now given that when you first took out the policy, your income was quite low in terms of, like, what your business was making because I believe you were just starting out. So 70% of, like, your 100,000 would be seen in, like, the 5,800 in terms of, like, a monthly benefit. So currently, yeah, you're about half that in terms of, like, what you're actually covered for and the that anything did go wrong.\n\nAnd then, obviously, I think about taxes, things like that. As far as the life and total disability portions, you do have more than enough to cover your current debts and then a little bit on top, say, if you were not able to work or draw an income to be able to sort of live off that in any sort of government assistance programs you may be eligible for. But do you feel like that's something you wanna review at this stage with your income protection cover, or is that something like, given how things are at the moment, you just wanna put off? Yeah. Because for us to revisit underwriting again, we'd put you through a post of what's called that pre assessment again, just where we ask a little bit more about your occupation and health.\n\nAnd then we just go off to the insurers, see how they'll rate you in terms of, like, your occupation and then also in regards to your health. Now being a handyman, unfortunately, isn't, like, the best rated occupation just due to, like, the odd jobs that you can do. So they kinda just rate you at the worst of what you're sorta able to do, which as a handyman, you can kinda do a bit of everything. So it's not fantastic. Health wise, I'm not too sure what would count less that during the pre assessment, but then you would be able to see sort of what they'll offer cover out, what pricing, things like that as well.\n\nAnd if we have to do look at retaining your current policy and then some top up things like that, that's all options there as well. In saying that with, hey. Is that something you wanna potentially, like, do the pre assessment now and get that started? Because another thing we were looking at potentially doing there, I'm not too sure if you've, you know, had a look at the the markets, your portfolios, what's been happening, but there's a actively managed portion in your portfolio called Benelung. Now that Benelong fund did have an underlying investment.\n\nMakes out about, like, it was 15%, but now it's closer to the 10% of your portfolio. It's an actively managed fund. One of their underlying investments, corporate traveler, got done for not doing their accounting correctly. But if you're doing a few dodgies, it caused them to be put on a trading halt. Their corporate traveler investment made Benelon have to reevaluate that stock.\n\nAnd as a result of that, it caused Benelon share price to take a bit of a dive in addition to losing a bit of consumer confidence there as well. So we were looking at removing phenolong. There's a few options there. We can look to remove it with an active portion again and have another managed fund that tries to outperform the market, or we can look to just go passive with that investment and then have that to where it just follows the indexes much like the rest of your portfolio, which can also just reduce the the overall cost of investing. Given that it is a minor portion of your portfolio or lesser sort of satellite portal, like performance piece.\n\nIt hasn't affected your performance too much in terms of what the return you did receive for the year. So over the past twelve months, they still did around 11.4% even with all the world wars and everything going on, which isn't too bad at all. But in saying that as well, the Benelong did go back around 19% in that time period with that dip that did occur with that announcement. Because as I said, like, the rest of your portfolio is performing quite well. It's just an active portion.\n\nAs a business, they are moving away from that. So the options are is obviously just find an alternative passive replacement or an active replacement just to, like, knock out that 15% essentially of that. I'm happy to sort of even just give you a bit of time with everything following today and book in for maybe a three month follow-up when things fell down a little bit maybe for you, and then sort of we can go over it then because you've made the loss now, and it's not the hugest portion of your portfolio. And then maybe you'll have a bit more time to go over the insurance matters there as well and do a review of that. Not in so many words.\n\nSo with that, your allocation to, like, growth assets. So if you have a passive or an active, you're still invested in things like shares, which are all, like, considered growth assets. The the more risk comes from having the manager itself. So when it's passive, you still have the same exposure to growth assets. You're just tracking, like, an industry.\n\nSo, like, the S and P 500 is the top 500 companies in America. It's, like, fluctuates in the sense that if a company, you know, gets skyrocketed out and they jump in that top 500, you'll hold it as an investment. If they crap the bed and fall out of that, you'll lose that investment in terms of holding it in your portfolio. Whereas the the fund manager itself builds a portfolio based on what they believe is, like, market value, whether that's to be, like, they see equity in the the company, market share in the company. They think it's, like, a valued under you know, undervalued stock.\n\nThey're the ones that do the picking and choosing, whereas the industry does that for you just based on a set of metrics, whether that's, like, market cap size. There's a few other industries that do it based on, like, other metrics, but, essentially, they stick to their metric. They just go with the metric, whereas a manager basically is picking winners. And then when they get it wrong, obviously, it doesn't go too great. When they get it right, they outperform the market.\n\nSo that's where you get that, like, alpha generation where you can outperform what the market is doing by picking a few of those more top performing companies. Another active? Yeah. No. That's fine.\n\nAs I said, yeah. So a lot majority of your portfolio is that sort of passive investing, which is a lot cheaper in terms of that. The active portion, obviously, is to have that little portion that aims to outperform and do a little bit better. Obviously, it hasn't done that, but in saying that, given the the weighting of your portfolio, it hasn't affected the growth out of it too much at all. Not a problem at all.\n\nDefinitely can do that. In terms of updating that advice, please, did you wanna go through the pre assessment process and start that as well for your insurances now as well? Is that something you wanna address at a later Alright. I'll add it to the the pile in the sense that they'll, like if they get to it within that three months, at the sort of bottom of the list due to the fact that we are having another conversation, you're just going away and having to think about things. If they have it done before, that's fantastic.\n\nIf not, we'll touch base then and get the ball rolling a bit quicker, and then we can touch on the insurance matters there as well. You don't currently have trauma insurance as well, which I'm not too sure how much you remember of that from the conversation that may have happened, you know, five years ago. But that's that insurance that covers the things like heart attacks, strokes, traumatic events that may not fall under, like, your total permanent disability income protection style covers. And in in saying that is a cover that has to be paid out of pocket. So given the the cash flow at the moment, probably not fantastic until, you know, giving it a bit of a three month wait.\n\nBut in saying that, it is something to consider, and we can have a bit more of a discussion around that a bit later as well if you'd like to see if you'd tell me if you're interested in seeing at least the pricing around. Not perfect. Now I'm just gonna do a quick risk profile there just to make sure that everything lines up with what we currently got you invested in just to to make a note of it. And as an we'll we'll leave it for the the three months anyway. But you are currently in that higher growth portfolio, and that's about a ninety ten split.\n\nSo a ninety ten split in that sense that you have 90¢ growth type assets and about 10% more defensive like fixed interest. You know? Gold is considered a bit more of a growth asset at the moment just the way it's been performing, but you could also consider that a little bit to be defensive in the sense that during market downturns, it tends to go up in price a bit as well. Have you made any direct share investments since we sort of last spoke at all there, Andrew? Yeah.\n\nNot a problem at all. And then with the cost of living and inflation and, you know, how much everything is going up, are you willing to take on still a more moderate to high amount of risk to try and outpace that inflation to make sure your money is still growing? Perfect. And it's it's one of those things that you couldn't guess it if you wanted to, what they're gonna do next. Yeah.\n\nIt's it's kind of just like the, you know, the the morning coffee cooler talk at the moment. It's just it's crazy kind of what is occurring each sort of day. It's like it's almost like you need a bingo card, but it's for the worst possible outcomes at the moment. So in saying that, though, war tends not to have, like, the like, a a major major downturn effect on market as things like terrorist attacks and things like that do. Obviously, it does cause a lot of fluctuation, a lot of short term volatility, but in terms of, like, market rebound, it tends to be a lot smoother than other sort of world events as well.\n\nSo as long as it doesn't evolve into, you know, World War three, the current walls, although they are having quite the effect on the markets currently, hopefully, is a bit more short lived much like the the Trump tariff announcements that occurred at the start of last year that caused the markets to have a bit of haywire as well. But in saying that, if you did sort of change up your investments and six months after that dropped by 20% just due to, like, market trends there, like, you know, the war continues as another announcement, things like that, would you still hold your investments and wait for the long term for for those to recover? Yeah. And if anything, would you still, like, put contributions into your super during those time frames when the markets are down? Yep.\n\nYeah. And in terms of that, like, it can be, like you said, if it's companies that you have faith in returning in terms of their value and they've just lost it on paper, you don't typically lose until you're actually sold out of something. So in saying that with all those dips at the market, it doesn't matter until you're, like, a retiree, basically, and looking to, you know, get a chunk of your money out. Otherwise, everything else is just on paper. So at that time, you know, that is occurring, and the prices are down.\n\nIf you're putting money still into your superannuation, you're getting those stocks at a lower price. So when they do at some point, return unfortunately, you know, you've got a fair bit of working life left behind you. There's plenty of time for those to return and then grow by then some. Does that make sense? Perfect.\n\nAnd then with, like, COVID and things like that, when you you super did take a little bit of a hit there, did that make you, like, concerned at all, or you're just a little bit cautious of what's going on but not too fast? Exactly. And then opposed to the current loan you do have for, like, property and business equipment, would you ever put borrowed money into, like, an investment property, any sort of other investments at a later date? Sort of, you know, I think Yep. And then with that, that's obviously something we can help you with.\n\nAnd then if you don't have well, obviously, you've probably got a mortgage broker or you're just doing it through the bank, but we do have a few mortgage brokers here as well if you'd like to have a chat with them and see what their sort of views are and see if they can get you a sort of better loan as well, if that's something you wanna do opposed to maybe just going with your your bank if it's just through never things like that. Okay. Perfect. Great. And then in regards to those reports as well, obviously, they'll send out a copy of, like, your reports when they send out the AR pack in that.\n\nThey'll do, like, a twelve month report, which as I said, they're sitting around the sort of 11.4% at the moment, which is, you know, great considering everything that is happening. I can let you know sort of as a a rolling return of sort of average what you've achieved since you've been onboard is sitting around the the 9.01% after fees in terms of return that you have gotten averaged out since the time you've been onboard yearly, which is, yeah, a really nice sort of track record of solid returns after fees, obviously, that is, you know, occurring there. And given that you aren't really contributing there at the moment, it's really quite nice growth that is going in. Yep. With that, generally, with the cost of property at the moment and your balance, so they say between, like, 3 and 500,000.\n\nObviously, you know, if you linked up with your partners or whatnot, you might be able to reach that amount. But they say between the 3 and 5 is where you can sort of maybe consider it, but then saying that it depends on, like, the property and what you're trying to invest in as well. Most sort of specialists say anywhere between, like, the $507,100,000 dollar mark, a normal sort of retail or industry fund can compete with the returns that do get in your self made super funds just based on the fact that the cost of running them is a lot higher than having, like, a standardized super or or, like, a retail rep platform. And then, obviously, a lot more compliance with you yourself and your responsibility to manage that being a self managed super fund. And then it becomes a lot more concentrated in terms of, like, your risk.\n\nSo you take all your, you know, diversified ETFs, and you'd be putting them all into, like, one basket, which is that property. You know, it could, you know, get struck by, you know, a cyclone, could be damaged, poor tenants, things like that. And then you've got to think about your time to retirement and drawing down on that superannuation. Like, I'm not trying to talk you you out of it, but, you know, you're taking on another yeah. Yeah.\n\nAnd then, yeah, the the other main thing there as well is it's a thirty year loan most likely. And then if you don't have, like, a separate, like, investment portfolio within that and you hit, you know, sixty, sixty five, and you're start drawing down some of those funds, if you've only got a loan attached and the the rental's not even covering the loan, you know, you've gotta bridge that somewhere, and you've either gotta keep putting money in, keep working, sell the property, and then you're sort of back to to square one of having to reinvest that money. And then you've either gotta switch back to a super fund or you've gotta a look at, you know, just maintaining a self made super and paying those administration costs and audits just to have basically cash invested in shares and stocks, which is something to be mindful of as well. Yep. Obviously, if you want, like, a little bit more, happy to have a bit more of a chat around it.\n\nYou can also look up things on the ATO that I think things like that. They do release, like, reports on them and stuff as well. They actually are tracking down a little bit in the sense that, you know, some people really just want them and some advisers just go along with it and recommend it, and it really just isn't putting clients in a better position. So a bit bit more wary about it and saying making sure that it will do. Obviously, you know, if you go in with, you know, your partner and you're looking at, like, a $500,000 property, you still lack of diversification.\n\nIt comes like it still can be a lot more affordable and things like that as well. But, yeah, it all just depends on the situation, but there are a lot more sort of risks as well to it. Not a problem. Is there anything else you wanna chat about there, Andrew, in regards to anything at all? So is it as I said, I'll sort of start a note on this just so they can start the research a bit falls.\n\nYou know, they've run out of work, which are are down at the moment. There is a bit of a backlog, but then I'll chuck you down for a three month follow-up, and then we'll really get the ball sort of rolling there just to do that little update with Benelon. In that time frame, we never know. They might sort of make a bit of recovery as well and recoup a bit of that loss. But if you're happy with that 15 or more 10% now just riding at the moment while you sort of sort a few things out, and then we can discuss your insurances and the investments a bit more at that later date.\n\nCrazy, mate. Well, you enjoy the rest of your day. Thanks for your time, and I'll talk to you shortly, I'm sure. No problem, Andrew. You enjoy the rest of your day.\n\nThanks. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Andrew.","start":3.04,"end":3.76,"sentiment":"positive","sentiment_score":0.38658639788627625},{"text":"It's Carl calling from Oakview Financial.","start":3.76,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.236336978773276},{"text":"How are you today?","start":5.3599997,"end":6.18,"sentiment":"neutral","sentiment_score":0.25485922396183014},{"text":"That's good to hear.","start":7.7599998,"end":8.48,"sentiment":"positive","sentiment_score":0.7351897656917572},{"text":"I just scheduled in for you and your review.","start":8.48,"end":9.84,"sentiment":"positive","sentiment_score":0.43556514713499284}],"sentiment":"positive","sentiment_score":0.40223320573568344,"num_words":26,"start":3.04,"end":9.84},{"sentences":[{"text":"Is Nestle a good time for you?","start":9.84,"end":11.38,"sentiment":"neutral","sentiment_score":0.2963428241865976},{"text":"Perfect.","start":12.975,"end":13.295,"sentiment":"positive","sentiment_score":0.4533012509346008},{"text":"Not a problem at all.","start":13.295,"end":14.255,"sentiment":"positive","sentiment_score":0.37960849404335023},{"text":"Just to get started on that one, Andrew, if I could pass you to security, just that name, date of birth, and current address, we can get stuck into that one today.","start":14.255,"end":20.195,"sentiment":"neutral","sentiment_score":0.2423974764533341},{"text":"Perfect.","start":27.630001,"end":27.87,"sentiment":"positive","sentiment_score":0.4039868116378784}],"sentiment":"neutral","sentiment_score":0.27361846844787185,"num_words":46,"start":9.84,"end":27.87},{"sentences":[{"text":"Thank you.","start":27.87,"end":28.27,"sentiment":"positive","sentiment_score":0.505212128162384},{"text":"I just let you know these calls are recorded for quality and training purposes there as well.","start":28.27,"end":31.810001,"sentiment":"neutral","sentiment_score":0.17780306277906194},{"text":"Now I don't believe we have spoken before, Andrew.","start":32.27,"end":35.15,"sentiment":"neutral","sentiment_score":-0.09557317445675532},{"text":"I'm one of the financial advisers here at Oakview Financial.","start":35.15,"end":38.204998,"sentiment":"neutral","sentiment_score":-0.010829912312328816},{"text":"If you wanted to see me or the rest of the team that's here at the moment, they have updated the website there.","start":38.204998,"end":43.085,"sentiment":"neutral","sentiment_score":-0.0005090667501739833}],"sentiment":"neutral","sentiment_score":0.05004770647673333,"num_words":61,"start":27.87,"end":43.085},{"sentences":[{"text":"You can see the most up to date financial services guide and Oakview services guide there as well with a few business updates that they've done if you'd like to have a look at those as well.","start":43.085,"end":51.06,"sentiment":"neutral","sentiment_score":0.05054906980493232},{"text":"I know you've done a few of these before there, Andrew.","start":51.620003,"end":54.420002,"sentiment":"neutral","sentiment_score":-0.01093731913715601},{"text":"So I'll try and make it as short and sweet as possible as I can for you.","start":54.420002,"end":57.7,"sentiment":"neutral","sentiment_score":0.11568567244445577},{"text":"We'll run through and do some updated track fund information, a risk profile, make sure that's up to date.","start":57.7,"end":62.440002,"sentiment":"neutral","sentiment_score":0.07970773291430976},{"text":"I'll run through sort of what's occurred over the last twelve months.","start":62.5,"end":65.595,"sentiment":"neutral","sentiment_score":0.028413056551168363}],"sentiment":"neutral","sentiment_score":0.05804234487307743,"num_words":96,"start":43.085,"end":65.595},{"sentences":[{"text":"And then from there, the team will send you out to see a new review pack with the the twelve month performance, just your currency and things like that as well, if that's alright.","start":66.155,"end":73.535,"sentiment":"neutral","sentiment_score":0.07150705331279074},{"text":"Perfect.","start":75.435,"end":75.935,"sentiment":"neutral","sentiment_score":0.217953696846962},{"text":"I'll just go a few and confirm your details there.","start":76.235,"end":78.555,"sentiment":"neutral","sentiment_score":0.12003284692764282},{"text":"So are you currently still under a factor relationship at the moment or perfect.","start":78.555,"end":83.86,"sentiment":"neutral","sentiment_score":0.001451582115675722},{"text":"And still, Sofia is your next of kin contact?","start":84.479996,"end":87.22,"sentiment":"neutral","sentiment_score":-0.003702775989141729}],"sentiment":"neutral","sentiment_score":0.05641939918346265,"num_words":68,"start":66.155,"end":87.22},{"sentences":[{"text":"Yep.","start":88.479996,"end":88.64,"sentiment":"neutral","sentiment_score":-0.11438891291618349},{"text":"I don't have a a phone number here for Sofia.","start":88.64,"end":90.56,"sentiment":"neutral","sentiment_score":-0.16058947443962096},{"text":"Did you wanna provide, like, a phone number and email in fact we couldn't reach you to reach out to her at any point?","start":90.56,"end":95.775,"sentiment":"neutral","sentiment_score":-0.17582252621650696},{"text":"Yep.","start":100.575005,"end":101.075005,"sentiment":"neutral","sentiment_score":0.005094137508422136},{"text":"Was it 323?","start":104.175,"end":105.215004,"sentiment":"neutral","sentiment_score":-0.003465840437759956}],"sentiment":"neutral","sentiment_score":-0.1524442992388056,"num_words":39,"start":88.479996,"end":105.215004},{"sentences":[{"text":"Sorry.","start":105.215004,"end":105.455,"sentiment":"neutral","sentiment_score":-0.06701882183551788},{"text":"It cut out there a little bit.","start":105.455,"end":106.835,"sentiment":"neutral","sentiment_score":-0.07119185371058327},{"text":"Perfect.","start":111.87,"end":112.37,"sentiment":"neutral","sentiment_score":0.33214694261550903},{"text":"As I said, that's just the email that we couldn't reach you for whatever reason.","start":112.43,"end":115.41,"sentiment":"neutral","sentiment_score":-0.05878742982943853},{"text":"And is it still just the two dependents at home?","start":115.79,"end":117.97,"sentiment":"neutral","sentiment_score":-0.0034249775111675263}],"sentiment":"neutral","sentiment_score":-0.033802237580804265,"num_words":34,"start":105.215004,"end":117.97},{"sentences":[{"text":"Perfect.","start":120.11,"end":120.61,"sentiment":"positive","sentiment_score":0.3419002294540405},{"text":"And as far as your role goes there, Andrew, are you doing maintenance work there and you're self employed?","start":121.564995,"end":126.685,"sentiment":"neutral","sentiment_score":0.05942266836370293},{"text":"Are you still doing that role?","start":126.685,"end":127.905,"sentiment":"neutral","sentiment_score":0.023845025648673374},{"text":"Perfect.","start":129.405,"end":129.905,"sentiment":"neutral","sentiment_score":0.29482048749923706},{"text":"And as far as, like, job duties at the moment, are you still, like, a 100% out in the the field with that one?","start":130.045,"end":135.07,"sentiment":"neutral","sentiment_score":0.08415915196140607}],"sentiment":"neutral","sentiment_score":0.07703218072214547,"num_words":51,"start":120.11,"end":135.07},{"sentences":[{"text":"Do you have a few people?","start":135.07,"end":136.03,"sentiment":"neutral","sentiment_score":-0.0016703039097289245},{"text":"Do you do a bit more office admin work these days?","start":136.03,"end":138.45,"sentiment":"neutral","sentiment_score":-0.0069566126066175375},{"text":"30.","start":147.16501,"end":147.66501,"sentiment":"neutral","sentiment_score":-0.01762167364358902},{"text":"Probably like a seventy thirty sort of split of, like, out there actually doing the work and then 30% having to deal with the invoices afterwards.","start":147.965,"end":155.345,"sentiment":"neutral","sentiment_score":-0.04552492850388472},{"text":"A '20.","start":158.78,"end":159.36,"sentiment":"neutral","sentiment_score":-0.0005596732953563333}],"sentiment":"neutral","sentiment_score":-0.028020298336227628,"num_words":46,"start":135.07,"end":159.36},{"sentences":[{"text":"K.","start":160.14,"end":160.64,"sentiment":"neutral","sentiment_score":0.006369911599904299},{"text":"And then as far as a name that you've given your your business there, have you got that sorted yet?","start":161.82,"end":168.54001,"sentiment":"neutral","sentiment_score":-0.0011034932627808302},{"text":"Because we didn't have one the last time you spoke to us.","start":168.54001,"end":170.865,"sentiment":"neutral","sentiment_score":-0.09354515249530475},{"text":"Or maybe they just didn't track it down.","start":172.945,"end":174.625,"sentiment":"neutral","sentiment_score":-0.12353586312383413},{"text":"They and instead the a few of the old.","start":174.625,"end":176.96501,"sentiment":"neutral","sentiment_score":-0.08522935956716537}],"sentiment":"neutral","sentiment_score":-0.057871858493890614,"num_words":50,"start":160.14,"end":176.96501},{"sentences":[{"text":"Perfect.","start":183.84001,"end":184.34001,"sentiment":"neutral","sentiment_score":0.15282145142555237},{"text":"And as far as hours per week that you're doing, you're doing like a standard work week.","start":186.64,"end":190.08,"sentiment":"neutral","sentiment_score":0.03351395171793068},{"text":"Obviously, it's your own, you know, own show.","start":190.08,"end":192.0,"sentiment":"neutral","sentiment_score":-0.0014371333527378738},{"text":"You're probably doing a bit more, but is the average week around the forty, forty five hours sort of thing?","start":192.0,"end":196.395,"sentiment":"neutral","sentiment_score":-0.01358095407485962},{"text":"Okay.","start":211.61,"end":212.11,"sentiment":"neutral","sentiment_score":0.06753265857696533}],"sentiment":"neutral","sentiment_score":0.010786705125281786,"num_words":47,"start":183.84001,"end":212.11},{"sentences":[{"text":"Yep.","start":212.17,"end":212.49,"sentiment":"neutral","sentiment_score":0.10210815072059631},{"text":"Perfect.","start":212.49,"end":212.99,"sentiment":"neutral","sentiment_score":0.211681067943573},{"text":"And how long have you been doing that sort of industry of, like, the maintenance work, if you don't mind me asking?","start":213.53,"end":218.75,"sentiment":"neutral","sentiment_score":0.043757202103734016},{"text":"Yep.","start":238.2,"end":238.7,"sentiment":"neutral","sentiment_score":0.022701269015669823},{"text":"And prior to that what were you doing prior to that?","start":239.8,"end":241.8,"sentiment":"neutral","sentiment_score":-0.02383866220373999}],"sentiment":"neutral","sentiment_score":0.028803434714467988,"num_words":36,"start":212.17,"end":241.8},{"sentences":[{"text":"Sorry.","start":241.8,"end":242.28,"sentiment":"neutral","sentiment_score":-0.1974129229784012},{"text":"Just because we haven't spoken.","start":242.28,"end":243.58,"sentiment":"neutral","sentiment_score":-0.18595483899116516},{"text":"Construction.","start":246.77501,"end":247.27501,"sentiment":"neutral","sentiment_score":-0.08359012752771378},{"text":"And you're not doing any work above 12 meters at the moment, are you?","start":250.535,"end":255.755,"sentiment":"neutral","sentiment_score":-0.15637541775192534},{"text":"Not dealing with any hazardous materials, not, like, doing any asbestos removal, things like that?","start":259.67,"end":264.25,"sentiment":"neutral","sentiment_score":-0.3034009059270223}],"sentiment":"neutral","sentiment_score":-0.22086240785817304,"num_words":36,"start":241.8,"end":264.25},{"sentences":[{"text":"Great.","start":267.11,"end":267.61,"sentiment":"positive","sentiment_score":0.3645397126674652},{"text":"And as far as income's concerned, I know your pay is up around 75 per annum the last time you spoke to us there?","start":268.23,"end":274.225,"sentiment":"neutral","sentiment_score":0.08929774056499203},{"text":"Is that sort of similar or has that changed?","start":274.225,"end":276.08502,"sentiment":"neutral","sentiment_score":0.07696085961328612},{"text":"You can just do the the gross and you can let us know the net if you'd like.","start":283.185,"end":286.65,"sentiment":"neutral","sentiment_score":0.025126854682134256},{"text":"Yep.","start":292.49,"end":292.99,"sentiment":"neutral","sentiment_score":0.09188389778137208}],"sentiment":"neutral","sentiment_score":0.07065095292087996,"num_words":53,"start":267.11,"end":292.99},{"sentences":[{"text":"And do you pay yourself any sort of dividends or anything like that from the business?","start":296.33,"end":299.87,"sentiment":"neutral","sentiment_score":0.027278582099825144},{"text":"Do you pay yourself any sort of, like, dividends being the business owner and things like that?","start":301.45502,"end":304.975,"sentiment":"neutral","sentiment_score":-0.03931946329334203},{"text":"Or, like, it you're it's fully under, like, self employed.","start":304.975,"end":308.015,"sentiment":"neutral","sentiment_score":-0.02265240214765072},{"text":"It's not a company?","start":308.015,"end":309.075,"sentiment":"neutral","sentiment_score":-0.05043645203113556},{"text":"Okay.","start":311.135,"end":311.535,"sentiment":"neutral","sentiment_score":0.008512839674949646}],"sentiment":"neutral","sentiment_score":-0.013577719839910666,"num_words":48,"start":296.33,"end":311.535},{"sentences":[{"text":"So sole sole trader.","start":311.535,"end":312.815,"sentiment":"neutral","sentiment_score":0.06101997243240476},{"text":"Perfect.","start":312.815,"end":313.315,"sentiment":"neutral","sentiment_score":0.3268309235572815},{"text":"And as far as, like, expenditure versus savings per week, do you know roughly sort of what your ins and out goings feel like the home budget is looking like at the moment?","start":316.83002,"end":324.29,"sentiment":"neutral","sentiment_score":0.002256237817081538},{"text":"Is there an amount you sort of roughly try to put like in an offset account or savings per 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Yep.","start":367.015,"end":380.23502,"sentiment":"neutral","sentiment_score":0.1039404533803463},{"text":"Yep.","start":386.295,"end":386.795,"sentiment":"neutral","sentiment_score":-0.06915952265262604},{"text":"Yep.","start":399.51,"end":400.01,"sentiment":"positive","sentiment_score":0.4510293602943421}],"sentiment":"neutral","sentiment_score":-0.03004538788436315,"num_words":39,"start":357.735,"end":400.01},{"sentences":[{"text":"Perfect.","start":400.47,"end":400.97,"sentiment":"positive","sentiment_score":0.7948472499847412},{"text":"And then will you be doing that, like, through your your account?","start":401.91,"end":404.79,"sentiment":"positive","sentiment_score":0.40966761112213135},{"text":"Do you plan on doing it, like, just lump sum at the end of the year when you do, like, you sorta tax return around that sort of time?","start":404.79,"end":410.91498,"sentiment":"neutral","sentiment_score":0.31059391745205583},{"text":"Perfect.","start":427.47,"end":427.97,"sentiment":"positive","sentiment_score":0.7803109884262085},{"text":"There's a few ways you can sort of do it as well.","start":428.19,"end":430.75,"sentiment":"positive","sentiment_score":0.5632449040810267}],"sentiment":"positive","sentiment_score":0.40467876412651754,"num_words":55,"start":400.47,"end":430.75},{"sentences":[{"text":"Obviously, you can speak to your accountant on how you sort of want to do it.","start":430.75,"end":433.89,"sentiment":"neutral","sentiment_score":0.2267096834257245},{"text":"But with that, you can obviously just, like, chuck it in because you're a sole trader.","start":434.07498,"end":437.775,"sentiment":"neutral","sentiment_score":0.2246098667383194},{"text":"Obviously, all your income's considered, like, take home income under the business, and super is not a a deduction there for you.","start":438.155,"end":445.755,"sentiment":"neutral","sentiment_score":0.23618222095749594},{"text":"But in saying that you can sort of just chuck it in, like, after tax money and then go to claim a notice of intent at the end of the year with your account.","start":445.755,"end":453.84,"sentiment":"neutral","sentiment_score":0.2638397400870043},{"text":"The with that, though, obviously, money going in after tax to your superannuation because fees and everything like that are, like, deducted proportionately.","start":454.3,"end":461.535,"sentiment":"neutral","sentiment_score":0.10405686011780864}],"sentiment":"neutral","sentiment_score":0.21424306855276898,"num_words":111,"start":430.75,"end":461.535},{"sentences":[{"text":"It will affect the amount that you can actually claim unless you claim your notes of intent each quarter when you put that money in, or you could look to sort of do it through some sort of accounting software with your account that makes it go in through SuperStream.","start":461.535,"end":473.955,"sentiment":"neutral","sentiment_score":0.1872490666806698},{"text":"So like any other pay PAYG or sort of salary sacrifice type payment.","start":474.095,"end":480.14,"sentiment":"neutral","sentiment_score":0.1246164206128854},{"text":"Perfect.","start":486.92,"end":487.42,"sentiment":"neutral","sentiment_score":0.006719440221786499},{"text":"If you do wanna have it, like, discussion or anything like that, obviously, you know, they're probably better suited to let know what way they do it for tax purposes.","start":488.04,"end":494.765,"sentiment":"neutral","sentiment_score":0.054315339277187985},{"text":"But we can sort of just give you some more general information if you ever sort of wanna have a chat about it, but that's more than fun.","start":495.14502,"end":500.125,"sentiment":"neutral","sentiment_score":0.3015526421368122}],"sentiment":"neutral","sentiment_score":0.17264033115056696,"num_words":122,"start":461.535,"end":500.125},{"sentences":[{"text":"As far as the assets and liabilities go, I had here you had the the three cars and then the house at the moment now.","start":501.86502,"end":508.34,"sentiment":"neutral","sentiment_score":0.007230788320302963},{"text":"With the three cars, I had the combined debt value around 80,000 85,000.","start":508.34,"end":513.54,"sentiment":"neutral","sentiment_score":-0.040449115089499034},{"text":"Is that sort of changed much at all?","start":513.54,"end":515.3,"sentiment":"neutral","sentiment_score":-0.09710106160491705},{"text":"Have you sold any of those cars?","start":515.3,"end":516.92,"sentiment":"neutral","sentiment_score":-0.03791629523038864},{"text":"Yep.","start":520.27496,"end":520.77496,"sentiment":"neutral","sentiment_score":-0.008606820367276669}],"sentiment":"neutral","sentiment_score":-0.025849966073615685,"num_words":54,"start":501.86502,"end":520.77496},{"sentences":[{"text":"And which car did you get rid of?","start":531.57,"end":532.77,"sentiment":"neutral","sentiment_score":-0.1272268956527114},{"text":"Was that the $7,000 car?","start":532.77,"end":534.55,"sentiment":"neutral","sentiment_score":-0.13826389461755753},{"text":"I've just got car written three times.","start":539.89,"end":541.57,"sentiment":"neutral","sentiment_score":-0.17808093769209726},{"text":"There's no actual make or model here because we didn't speak the last time.","start":541.57,"end":544.77,"sentiment":"neutral","sentiment_score":-0.32401977692331585},{"text":"I'm not too sure because I've got the the one worth a 100,000, which I'm pretty sure would be a work vehicle.","start":544.77,"end":549.235,"sentiment":"neutral","sentiment_score":-0.23218587921424347}],"sentiment":"neutral","sentiment_score":-0.22500120396060602,"num_words":56,"start":531.57,"end":549.235},{"sentences":[{"text":"Is that like a Hilux, or is that like a Land Cruiser?","start":551.215,"end":553.79504,"sentiment":"neutral","sentiment_score":-0.004481345880776644},{"text":"Hilux?","start":554.015,"end":554.515,"sentiment":"neutral","sentiment_score":0.001140055013820529},{"text":"30.","start":556.575,"end":557.075,"sentiment":"neutral","sentiment_score":0.004259585402905941},{"text":"And then they have a car worth around the 30,000 mark with something listed, what car do you think that oh, sorry.","start":557.29504,"end":564.86,"sentiment":"neutral","sentiment_score":-0.0027934416535903106},{"text":"What was that?","start":564.86,"end":565.6,"sentiment":"neutral","sentiment_score":-0.0664794569214185}],"sentiment":"neutral","sentiment_score":-0.007930015315277835,"num_words":39,"start":551.215,"end":565.6},{"sentences":[{"text":"30,000?","start":569.57996,"end":570.48,"sentiment":"neutral","sentiment_score":-0.022158339619636536},{"text":"Sorry?","start":570.54,"end":571.04,"sentiment":"neutral","sentiment_score":-0.03525284305214882},{"text":"Yep.","start":573.605,"end":574.105,"sentiment":"neutral","sentiment_score":0.019556332379579544},{"text":"And then there's one around there.","start":575.045,"end":577.445,"sentiment":"neutral","sentiment_score":-0.0174511531367898},{"text":"7,000 what make is that one?","start":577.445,"end":579.125,"sentiment":"neutral","sentiment_score":-0.025231399883826573}],"sentiment":"neutral","sentiment_score":-0.019596677894393604,"num_words":15,"start":569.57996,"end":579.125},{"sentences":[{"text":"Is that like?","start":579.125,"end":580.025,"sentiment":"neutral","sentiment_score":-0.031679401795069374},{"text":"Yep.","start":589.14,"end":589.38,"sentiment":"neutral","sentiment_score":0.02500951662659645},{"text":"And then as as far as the debt value goes, you know how much is owing on the the Hilux and the your partner's car?","start":589.38,"end":596.52,"sentiment":"neutral","sentiment_score":-0.01898289330303669},{"text":"Yep.","start":608.245,"end":608.565,"sentiment":"neutral","sentiment_score":0.0016610946040600538},{"text":"And is that loan solely attached to your like the work car?","start":608.565,"end":611.705,"sentiment":"neutral","sentiment_score":-0.07208773711075385}],"sentiment":"neutral","sentiment_score":-0.033523637429988457,"num_words":42,"start":579.125,"end":611.705},{"sentences":[{"text":"So it's it's not a car loan.","start":624.815,"end":626.815,"sentiment":"neutral","sentiment_score":-0.04577678096081529},{"text":"It's just an equipment loan?","start":626.815,"end":628.275,"sentiment":"neutral","sentiment_score":-0.016821774654090405},{"text":"Yep.","start":631.455,"end":631.955,"sentiment":"neutral","sentiment_score":0.03168947249650955},{"text":"Yep.","start":636.75,"end":637.07,"sentiment":"neutral","sentiment_score":0.03149871155619621},{"text":"And as far as what's left owing on the house at the moment, do you know roughly what it's 7 500.","start":637.07,"end":644.29,"sentiment":"neutral","sentiment_score":-0.005127931734369625}],"sentiment":"neutral","sentiment_score":-0.012829849210434726,"num_words":35,"start":624.815,"end":644.29},{"sentences":[{"text":"It's going up a little bit.","start":645.87,"end":646.99,"sentiment":"neutral","sentiment_score":-0.01982804946601391},{"text":"Is that because of the renovations you were doing?","start":646.99,"end":649.08997,"sentiment":"neutral","sentiment_score":-0.036855351386798754},{"text":"Yep.","start":651.02496,"end":651.345,"sentiment":"neutral","sentiment_score":0.04167383536696434},{"text":"And how much is the value of that one sitting at at the moment?","start":651.345,"end":653.925,"sentiment":"neutral","sentiment_score":0.024115995104823793},{"text":"Yep.","start":671.12,"end":671.62,"sentiment":"neutral","sentiment_score":0.0112500861287117}],"sentiment":"neutral","sentiment_score":-0.0019393098810988089,"num_words":31,"start":645.87,"end":671.62},{"sentences":[{"text":"Perfect.","start":681.53503,"end":682.015,"sentiment":"positive","sentiment_score":0.3894115388393402},{"text":"Obviously, it doesn't matter, like, a whole heck.","start":682.015,"end":684.09503,"sentiment":"neutral","sentiment_score":0.15988210402429104},{"text":"So that you after you do your renovations, you plan on jumping ship right at the moment, but good to know that you've added a bit of value to the home.","start":684.09503,"end":691.39996,"sentiment":"neutral","sentiment_score":0.14026217174626165},{"text":"So that's good.","start":691.39996,"end":691.96,"sentiment":"positive","sentiment_score":0.46297229329744977},{"text":"And you've refinanced to get the benefit of the the loan, which is good as well.","start":691.96,"end":695.82,"sentiment":"positive","sentiment_score":0.4021205361932516}],"sentiment":"neutral","sentiment_score":0.23456679922291787,"num_words":59,"start":681.53503,"end":695.82},{"sentences":[{"text":"As far as any other assets and liabilities that we're not really aware of, is there anything else that that have yep.","start":697.39996,"end":704.695,"sentiment":"neutral","sentiment_score":0.0015837769182822244},{"text":"Do you have a little bit in, like, an offset account or a savings account that you're sort of trying to obviously, you know, the cost of living is a bit rough, but trying to have a bit of a cash buffer in?","start":704.695,"end":712.795,"sentiment":"neutral","sentiment_score":-0.030587433469156888},{"text":"Yep.","start":719.43005,"end":719.83,"sentiment":"neutral","sentiment_score":0.0014836502959951758},{"text":"No.","start":719.83,"end":720.15,"sentiment":"neutral","sentiment_score":-0.03572749346494675},{"text":"Definitely understandable.","start":720.15,"end":721.37,"sentiment":"neutral","sentiment_score":0.04083026200532913}],"sentiment":"neutral","sentiment_score":-0.01786956327724392,"num_words":69,"start":697.39996,"end":721.37},{"sentences":[{"text":"Hopefully, things ease once your sort of partner gets to go back to to work a little bit as well there.","start":721.51,"end":726.65,"sentiment":"neutral","sentiment_score":0.13629419179189772},{"text":"Now apologies for these questions if you answered these previously as well.","start":728.17505,"end":731.215,"sentiment":"neutral","sentiment_score":-0.11221319095542033},{"text":"So they'd sort of bumped up the the the workbook a little bit, and there's a few sort of other copies.","start":731.215,"end":736.41504,"sentiment":"neutral","sentiment_score":-0.10412655415989104},{"text":"So it's not all consolidated, but you've never declared bankruptcy or a partner on debt agreement, have And as far as health goes, are you currently smoking, nonsmoking?","start":736.41504,"end":747.26,"sentiment":"neutral","sentiment_score":-0.054758807444678884},{"text":"Right.","start":749.72003,"end":749.96,"sentiment":"neutral","sentiment_score":0.189226895570755}],"sentiment":"neutral","sentiment_score":-0.024277802579194666,"num_words":83,"start":721.51,"end":749.96},{"sentences":[{"text":"And your health's been largely well for the the past year.","start":749.96,"end":752.68,"sentiment":"positive","sentiment_score":0.5032872286709872},{"text":"No unexpected health changes, injuries, hospital trips?","start":752.68,"end":755.66003,"sentiment":"neutral","sentiment_score":0.29431829495089395},{"text":"Right.","start":758.385,"end":758.785,"sentiment":"neutral","sentiment_score":0.26700401306152344},{"text":"Good to hear.","start":758.785,"end":759.585,"sentiment":"positive","sentiment_score":0.44319987297058105},{"text":"No medications at the moment?","start":759.585,"end":761.045,"sentiment":"neutral","sentiment_score":-0.05449589490890503}],"sentiment":"neutral","sentiment_score":0.33038932360984663,"num_words":27,"start":749.96,"end":761.045},{"sentences":[{"text":"Yeah.","start":770.56,"end":770.88,"sentiment":"neutral","sentiment_score":-0.029545452445745468},{"text":"The the reason I asked these questions because obviously you've got insurances through Neos there as well.","start":770.88,"end":775.46,"sentiment":"neutral","sentiment_score":-0.03152715425719233},{"text":"So we just like to make sure that, you know, if anything does changes because, you know, you can with the policy if your health is largely unchanged, look at rewriting things like that.","start":775.60004,"end":783.9385,"sentiment":"neutral","sentiment_score":-0.015900684575385907},{"text":"If certain things do pop up, they're likely to be exclusions on newer policies.","start":783.9385,"end":787.37634,"sentiment":"neutral","sentiment_score":-0.13254699616559915},{"text":"So we just like to make notes of them just in the event, you know, we do look at rewriting, so that's fine.","start":787.37634,"end":793.02435,"sentiment":"neutral","sentiment_score":0.0553759990826897}],"sentiment":"neutral","sentiment_score":-0.01896786873929956,"num_words":89,"start":770.56,"end":793.02435},{"sentences":[{"text":"And do you have private health cover at the moment?","start":793.02435,"end":795.48,"sentiment":"neutral","sentiment_score":-0.0035925403237342833},{"text":"Yep.","start":797.32,"end":797.56,"sentiment":"neutral","sentiment_score":0.007586553692817688},{"text":"Is that hospitals and extras or just and I know you've got your beneficiary and forms in place with your partner, but have you managed to get around to setting up a will at all?","start":797.56,"end":811.695,"sentiment":"neutral","sentiment_score":0.01144392660685948},{"text":"Does that include the your youngest child?","start":814.955,"end":817.215,"sentiment":"neutral","sentiment_score":-0.019195605867675374},{"text":"Okay.","start":824.89,"end":825.39,"sentiment":"neutral","sentiment_score":0.02053813636302948}],"sentiment":"neutral","sentiment_score":0.00478458290712701,"num_words":54,"start":793.02435,"end":825.39},{"sentences":[{"text":"No problem.","start":825.45,"end":826.19,"sentiment":"neutral","sentiment_score":0.025830207392573357},{"text":"So it probably does need to to have a little bit of a refresh that and, like, with conjunction, like, setting up things with power attorneys, things like that.","start":827.53,"end":835.07,"sentiment":"neutral","sentiment_score":-0.019155778633109456},{"text":"Obviously, being a huge de facto partner, sometimes you plan on getting married as well in sort of the near future.","start":836.065,"end":840.86505,"sentiment":"neutral","sentiment_score":-0.022462025994346255},{"text":"Obviously, marriages do okay.","start":840.86505,"end":843.525,"sentiment":"neutral","sentiment_score":-0.0856052739545703},{"text":"Not married people.","start":843.74506,"end":844.885,"sentiment":"neutral","sentiment_score":-0.17687720557053885}],"sentiment":"neutral","sentiment_score":-0.031332413965867736,"num_words":59,"start":825.45,"end":844.885},{"sentences":[{"text":"Yeah.","start":845.10504,"end":845.34503,"sentiment":"neutral","sentiment_score":-0.16999050974845886},{"text":"Okay.","start":845.34503,"end":845.84503,"sentiment":"neutral","sentiment_score":-0.24341024458408356},{"text":"Completely understandable.","start":850.63995,"end":851.86,"sentiment":"neutral","sentiment_score":-0.22092226147651672},{"text":"You know, obviously, there's there's a courthouse weddings, but, you know, they're not too much funds.","start":852.63995,"end":856.48,"sentiment":"neutral","sentiment_score":-0.18161207344383},{"text":"There's not really a point to it at that point, is there?","start":856.48,"end":858.74,"sentiment":"neutral","sentiment_score":-0.29704974219202995}],"sentiment":"neutral","sentiment_score":-0.22892610495910048,"num_words":32,"start":845.10504,"end":858.74},{"sentences":[{"text":"Exactly.","start":870.575,"end":871.075,"sentiment":"neutral","sentiment_score":-0.016671910881996155},{"text":"You just gotta forecast $30 to pay for the meals with a bunch of people you probably don't wanna see anyway.","start":871.135,"end":875.795,"sentiment":"neutral","sentiment_score":-0.12212967021124703},{"text":"So understandable.","start":877.75,"end":879.12994,"sentiment":"neutral","sentiment_score":0.10805588960647583},{"text":"Obviously, there's the estate planning side of things, setting up a will power to any things like that.","start":880.94995,"end":884.55,"sentiment":"neutral","sentiment_score":0.022538314056065347},{"text":"That's obviously important with having the young family.","start":884.55,"end":886.97,"sentiment":"neutral","sentiment_score":0.08946191472932696}],"sentiment":"neutral","sentiment_score":-0.024877964705228805,"num_words":50,"start":870.575,"end":886.97},{"sentences":[{"text":"This one's a bit random too, but you're not a tax resident for any other jurisdiction other than Australia at the moment?","start":888.155,"end":893.055,"sentiment":"neutral","sentiment_score":-0.088463440452787},{"text":"Yep.","start":895.115,"end":895.435,"sentiment":"neutral","sentiment_score":-0.020076487213373184},{"text":"And you or your family don't partake in any sort of politics or anything like that, do you?","start":895.435,"end":899.455,"sentiment":"neutral","sentiment_score":-0.18444612539476818},{"text":"Yeah.","start":902.57,"end":903.07,"sentiment":"neutral","sentiment_score":-0.08149965107440948},{"text":"Politics?","start":903.45,"end":903.93005,"sentiment":"neutral","sentiment_score":-0.12089627981185912}],"sentiment":"neutral","sentiment_score":-0.1276441480271345,"num_words":43,"start":888.155,"end":903.93005},{"sentences":[{"text":"You're not involved in any sort of politics, local or otherwise, or any family members that are involved?","start":903.93005,"end":908.27,"sentiment":"neutral","sentiment_score":-0.1687268614768982},{"text":"Yeah.","start":914.345,"end":914.665,"sentiment":"neutral","sentiment_score":-0.08277319371700287},{"text":"No.","start":914.665,"end":914.745,"sentiment":"neutral","sentiment_score":-0.16231732070446014},{"text":"I completely understand.","start":914.745,"end":915.625,"sentiment":"neutral","sentiment_score":-0.12827124943335852},{"text":"I know it sounds a bit random, obviously, in regards to, like, certain any money laundering legislation.","start":915.625,"end":919.96497,"sentiment":"neutral","sentiment_score":-0.21906803986605475}],"sentiment":"neutral","sentiment_score":-0.18477861117571592,"num_words":40,"start":903.93005,"end":919.96497},{"sentences":[{"text":"It's just important that we sort of know who is politically exposed and then also, you know, if they're doing dodges, if someone's getting $30.30 grand regular contributions to, like, an investment account and they don't know where the money's coming from, those are sort of things we need to look out for, which obviously doesn't apply to you.","start":920.02496,"end":934.44,"sentiment":"neutral","sentiment_score":-0.23565594321590358},{"text":"So that's fine.","start":934.44,"end":935.48004,"sentiment":"neutral","sentiment_score":0.052962938944498696},{"text":"Find me a little bit less.","start":935.48004,"end":936.94,"sentiment":"negative","sentiment_score":-0.4117024441560109},{"text":"As far as goals that you're working towards there, Andrew, is there anything in the short term, obviously, other than, you know, just focusing on the young family at the moment, making sure everything's sticking along that you're sort of working towards?","start":939.01495,"end":949.975,"sentiment":"neutral","sentiment_score":0.04598059607780583},{"text":"I know your main thing was doing the the renovations there, but is there anything else that you're sort of working towards as a goal?","start":949.975,"end":955.54,"sentiment":"neutral","sentiment_score":0.12338493615388871}],"sentiment":"neutral","sentiment_score":-0.08295717080537644,"num_words":135,"start":920.02496,"end":955.54},{"sentences":[{"text":"Yep.","start":962.965,"end":963.465,"sentiment":"neutral","sentiment_score":-0.10634337365627287},{"text":"Completely understandable.","start":970.005,"end":971.065,"sentiment":"neutral","sentiment_score":0.28003348410129547},{"text":"So main goals for would just be paying down the debt, focusing on the young family.","start":971.685,"end":975.545,"sentiment":"positive","sentiment_score":0.4808615930378437},{"text":"Right?","start":978.49005,"end":978.81,"sentiment":"neutral","sentiment_score":0.1850663125514984},{"text":"As far as insurances are concerned, we see we do like to, you know, just double check and see how you feel about them.","start":978.81,"end":984.17004,"sentiment":"neutral","sentiment_score":0.10182282763222854}],"sentiment":"neutral","sentiment_score":0.24491643770174545,"num_words":44,"start":962.965,"end":984.17004},{"sentences":[{"text":"You do have the income protection cover there that only covers for the monthly benefit around the 2,400.","start":984.17004,"end":990.03,"sentiment":"neutral","sentiment_score":0.11899613009558783},{"text":"Now with your income increasing to that, like, a 100,000 mark, you cover up to 70% of, like, your income as, like, a monthly benefit amount for income protection.","start":990.725,"end":1002.425,"sentiment":"neutral","sentiment_score":0.19907814649672345},{"text":"Now given that when you first took out the policy, your income was quite low in terms of, like, what your business was making because I believe you were just starting out.","start":1002.565,"end":1010.92,"sentiment":"neutral","sentiment_score":-0.01294567878358066},{"text":"So 70% of, like, your 100,000 would be seen in, like, the 5,800 in terms of, like, a monthly benefit.","start":1010.92,"end":1016.38,"sentiment":"neutral","sentiment_score":0.14509016051888465},{"text":"So currently, yeah, you're about half that in terms of, like, what you're actually covered for and the that anything did go wrong.","start":1018.45496,"end":1024.775,"sentiment":"neutral","sentiment_score":0.058203329858572586}],"sentiment":"neutral","sentiment_score":0.09624110382111346,"num_words":122,"start":984.17004,"end":1024.775},{"sentences":[{"text":"And then, obviously, I think about taxes, things like that.","start":1024.775,"end":1027.195,"sentiment":"neutral","sentiment_score":-0.04215002320706844},{"text":"As far as the life and total disability portions, you do have more than enough to cover your current debts and then a little bit on top, say, if you were not able to work or draw an income to be able to sort of live off that in any sort of government assistance programs you may be eligible for.","start":1028.0549,"end":1042.82,"sentiment":"neutral","sentiment_score":0.06312339423845212},{"text":"But do you feel like that's something you wanna review at this stage with your income protection cover, or is that something like, given how things are at the moment, you just wanna put off?","start":1043.44,"end":1051.9451,"sentiment":"neutral","sentiment_score":-0.028622617605807525},{"text":"Yeah.","start":1072.515,"end":1072.755,"sentiment":"neutral","sentiment_score":0.030869942158460617},{"text":"Because for us to revisit underwriting again, we'd put you through a post of what's called that pre assessment again, just where we ask a little bit more about your occupation and health.","start":1072.755,"end":1079.8949,"sentiment":"neutral","sentiment_score":0.0046442652290517635}],"sentiment":"neutral","sentiment_score":0.018332679861513296,"num_words":139,"start":1024.775,"end":1079.8949},{"sentences":[{"text":"And then we just go off to the insurers, see how they'll rate you in terms of, like, your occupation and then also in regards to your health.","start":1080.0499,"end":1087.4099,"sentiment":"neutral","sentiment_score":0.02152470619018589},{"text":"Now being a handyman, unfortunately, isn't, like, the best rated occupation just due to, like, the odd jobs that you can do.","start":1087.4099,"end":1092.915,"sentiment":"negative","sentiment_score":-0.5478552674705331},{"text":"So they kinda just rate you at the worst of what you're sorta able to do, which as a handyman, you can kinda do a bit of everything.","start":1093.395,"end":1098.5951,"sentiment":"negative","sentiment_score":-0.5806259683200291},{"text":"So it's not fantastic.","start":1098.5951,"end":1099.655,"sentiment":"negative","sentiment_score":-0.6342799514532089},{"text":"Health wise, I'm not too sure what would count less that during the pre assessment, but then you would be able to see sort of what they'll offer cover out, what pricing, things like that as well.","start":1101.155,"end":1109.5,"sentiment":"neutral","sentiment_score":-0.10743501554227534}],"sentiment":"neutral","sentiment_score":-0.2875619042425577,"num_words":119,"start":1080.0499,"end":1109.5},{"sentences":[{"text":"And if we have to do look at retaining your current policy and then some top up things like that, that's all options there as well.","start":1109.5,"end":1115.2,"sentiment":"neutral","sentiment_score":-0.027213422294992667},{"text":"In saying that with, hey.","start":1117.1,"end":1118.895,"sentiment":"neutral","sentiment_score":0.10064259171485901},{"text":"Is that something you wanna potentially, like, do the pre assessment now and get that started?","start":1118.895,"end":1122.415,"sentiment":"neutral","sentiment_score":0.15182810928672552},{"text":"Because another thing we were looking at potentially doing there, I'm not too sure if you've, you know, had a look at the the markets, your portfolios, what's been happening, but there's a actively managed portion in your portfolio called Benelung.","start":1122.415,"end":1133.395,"sentiment":"neutral","sentiment_score":-0.097086543171871},{"text":"Now that Benelong fund did have an underlying investment.","start":1134.4199,"end":1137.46,"sentiment":"neutral","sentiment_score":-0.07461056858301163}],"sentiment":"neutral","sentiment_score":-0.02502195525568785,"num_words":97,"start":1109.5,"end":1137.46},{"sentences":[{"text":"Makes out about, like, it was 15%, but now it's closer to the 10% of your portfolio.","start":1137.46,"end":1142.2,"sentiment":"neutral","sentiment_score":-0.06200021571096252},{"text":"It's an actively managed fund.","start":1142.8999,"end":1144.1,"sentiment":"neutral","sentiment_score":-0.04662296585738659},{"text":"One of their underlying investments, corporate traveler, got done for not doing their accounting correctly.","start":1144.1,"end":1148.84,"sentiment":"neutral","sentiment_score":-0.298510613044103},{"text":"But if you're doing a few dodgies, it caused them to be put on a trading halt.","start":1149.4851,"end":1153.7251,"sentiment":"negative","sentiment_score":-0.5135134817922816},{"text":"Their corporate traveler investment made Benelon have to reevaluate that stock.","start":1153.7251,"end":1157.7251,"sentiment":"negative","sentiment_score":-0.44313597679138184}],"sentiment":"neutral","sentiment_score":-0.29798465580321276,"num_words":65,"start":1137.46,"end":1157.7251},{"sentences":[{"text":"And as a result of that, it caused Benelon share price to take a bit of a dive in addition to losing a bit of consumer confidence there as well.","start":1157.7251,"end":1164.865,"sentiment":"negative","sentiment_score":-0.6331474949916204},{"text":"So we were looking at removing phenolong.","start":1165.4601,"end":1167.72,"sentiment":"neutral","sentiment_score":-0.16063568208898818},{"text":"There's a few options there.","start":1168.02,"end":1169.14,"sentiment":"neutral","sentiment_score":0.034237295761704443},{"text":"We can look to remove it with an active portion again and have another managed fund that tries to outperform the market, or we can look to just go passive with that investment and then have that to where it just follows the indexes much like the rest of your portfolio, which can also just reduce the the overall cost of investing.","start":1169.14,"end":1186.2151,"sentiment":"neutral","sentiment_score":0.179435730941834},{"text":"Given that it is a minor portion of your portfolio or lesser sort of satellite portal, like performance piece.","start":1186.675,"end":1194.14,"sentiment":"neutral","sentiment_score":0.16436965096937983}],"sentiment":"neutral","sentiment_score":-0.04633861348578116,"num_words":123,"start":1157.7251,"end":1194.14},{"sentences":[{"text":"It hasn't affected your performance too much in terms of what the return you did receive for the year.","start":1194.68,"end":1199.18,"sentiment":"neutral","sentiment_score":0.24086815746206985},{"text":"So over the past twelve months, they still did around 11.4% even with all the world wars and everything going on, which isn't too bad at all.","start":1199.4401,"end":1208.615,"sentiment":"neutral","sentiment_score":0.10239411255827656},{"text":"But in saying that as well, the Benelong did go back around 19% in that time period with that dip that did occur with that announcement.","start":1208.835,"end":1216.9349,"sentiment":"neutral","sentiment_score":0.24027680405057394},{"text":"Because as I said, like, the rest of your portfolio is performing quite well.","start":1239.425,"end":1243.1849,"sentiment":"positive","sentiment_score":0.3699640503951481},{"text":"It's just an active portion.","start":1243.1849,"end":1244.645,"sentiment":"neutral","sentiment_score":0.16965914517641068}],"sentiment":"neutral","sentiment_score":0.21556181722617412,"num_words":91,"start":1194.68,"end":1244.645},{"sentences":[{"text":"As a business, they are moving away from that.","start":1245.96,"end":1247.88,"sentiment":"neutral","sentiment_score":-0.14986827058924568},{"text":"So the options are is obviously just find an alternative passive replacement or an active replacement just to, like, knock out that 15% essentially of that.","start":1247.88,"end":1257.885,"sentiment":"neutral","sentiment_score":0.18896199017763138},{"text":"I'm happy to sort of even just give you a bit of time with everything following today and book in for maybe a three month follow-up when things fell down a little bit maybe for you, and then sort of we can go over it then because you've made the loss now, and it's not the hugest portion of your portfolio.","start":1258.205,"end":1271.58,"sentiment":"positive","sentiment_score":0.40873649920962873},{"text":"And then maybe you'll have a bit more time to go over the insurance matters there as well and do a review of that.","start":1271.58,"end":1276.0,"sentiment":"neutral","sentiment_score":0.0497431669694682},{"text":"Not in so many words.","start":1295.115,"end":1297.2301,"sentiment":"neutral","sentiment_score":-0.24872071743011476}],"sentiment":"neutral","sentiment_score":0.22757884944975376,"num_words":125,"start":1245.96,"end":1297.2301},{"sentences":[{"text":"So with that, your allocation to, like, growth assets.","start":1297.2301,"end":1300.43,"sentiment":"neutral","sentiment_score":0.023732251591152616},{"text":"So if you have a passive or an active, you're still invested in things like shares, which are all, like, considered growth assets.","start":1300.43,"end":1306.13,"sentiment":"neutral","sentiment_score":0.09791694225176521},{"text":"The the more risk comes from having the manager itself.","start":1306.5901,"end":1309.55,"sentiment":"neutral","sentiment_score":-0.11122184619307518},{"text":"So when it's passive, you still have the same exposure to growth assets.","start":1309.55,"end":1313.375,"sentiment":"neutral","sentiment_score":0.010567164478393702},{"text":"You're just tracking, like, an industry.","start":1313.375,"end":1314.9951,"sentiment":"neutral","sentiment_score":0.024489575065672398}],"sentiment":"neutral","sentiment_score":0.026848722340874983,"num_words":61,"start":1297.2301,"end":1314.9951},{"sentences":[{"text":"So, like, the S and P 500 is the top 500 companies in America.","start":1315.6151,"end":1319.2351,"sentiment":"neutral","sentiment_score":0.06942485831677914},{"text":"It's, like, fluctuates in the sense that if a company, you know, gets skyrocketed out and they jump in that top 500, you'll hold it as an investment.","start":1319.375,"end":1327.11,"sentiment":"neutral","sentiment_score":-0.07550955776657377},{"text":"If they crap the bed and fall out of that, you'll lose that investment in terms of holding it in your portfolio.","start":1327.1699,"end":1332.47,"sentiment":"negative","sentiment_score":-0.539970565925945},{"text":"Whereas the the fund manager itself builds a portfolio based on what they believe is, like, market value, whether that's to be, like, they see equity in the the company, market share in the company.","start":1332.9299,"end":1344.125,"sentiment":"neutral","sentiment_score":-0.001059494593313762},{"text":"They think it's, like, a valued under you know, undervalued stock.","start":1344.125,"end":1347.345,"sentiment":"neutral","sentiment_score":-0.0014923426576636054}],"sentiment":"neutral","sentiment_score":-0.11886518301272934,"num_words":110,"start":1315.6151,"end":1347.345},{"sentences":[{"text":"They're the ones that do the picking and choosing, whereas the industry does that for you just based on a set of metrics, whether that's, like, market cap size.","start":1347.405,"end":1354.705,"sentiment":"neutral","sentiment_score":0.016183203792777556},{"text":"There's a few other industries that do it based on, like, other metrics, but, essentially, they stick to their metric.","start":1354.82,"end":1361.14,"sentiment":"neutral","sentiment_score":0.022655452648177744},{"text":"They just go with the metric, whereas a manager basically is picking winners.","start":1361.14,"end":1365.4,"sentiment":"neutral","sentiment_score":-0.052761578789124124},{"text":"And then when they get it wrong, obviously, it doesn't go too great.","start":1365.62,"end":1368.1799,"sentiment":"neutral","sentiment_score":-0.28374034280960375},{"text":"When they get it right, they outperform the market.","start":1368.1799,"end":1370.445,"sentiment":"neutral","sentiment_score":0.1702305202682813}],"sentiment":"neutral","sentiment_score":-0.022857480183509842,"num_words":84,"start":1347.405,"end":1370.445},{"sentences":[{"text":"So that's where you get that, like, alpha generation where you can outperform what the market is doing by picking a few of those more top performing companies.","start":1370.5249,"end":1377.585,"sentiment":"positive","sentiment_score":0.5731426221983773},{"text":"Another active?","start":1388.2999,"end":1388.94,"sentiment":"neutral","sentiment_score":0.018087860196828842},{"text":"Yeah.","start":1388.94,"end":1389.1799,"sentiment":"neutral","sentiment_score":0.02035190723836422},{"text":"No.","start":1389.1799,"end":1389.34,"sentiment":"neutral","sentiment_score":-0.027338217943906784},{"text":"That's fine.","start":1389.34,"end":1390.1599,"sentiment":"neutral","sentiment_score":0.14198819920420647}],"sentiment":"positive","sentiment_score":0.4812105655779733,"num_words":34,"start":1370.5249,"end":1390.1599},{"sentences":[{"text":"As I said, yeah.","start":1390.46,"end":1391.34,"sentiment":"neutral","sentiment_score":0.20072602108120918},{"text":"So a lot majority of your portfolio is that sort of passive investing, which is a lot cheaper in terms of that.","start":1391.34,"end":1396.355,"sentiment":"positive","sentiment_score":0.3379493755373088},{"text":"The active portion, obviously, is to have that little portion that aims to outperform and do a little bit better.","start":1396.355,"end":1401.735,"sentiment":"positive","sentiment_score":0.4304342448711395},{"text":"Obviously, it hasn't done that, but in saying that, given the the weighting of your portfolio, it hasn't affected the growth out of it too much at all.","start":1402.115,"end":1408.59,"sentiment":"neutral","sentiment_score":0.15813410867537772},{"text":"Not a problem at all.","start":1427.325,"end":1428.125,"sentiment":"positive","sentiment_score":0.3609724998474121}],"sentiment":"neutral","sentiment_score":0.292140415009064,"num_words":79,"start":1390.46,"end":1428.125},{"sentences":[{"text":"Definitely can do that.","start":1428.125,"end":1429.4249,"sentiment":"positive","sentiment_score":0.6017251163721085},{"text":"In terms of updating that advice, please, did you wanna go through the pre assessment process and start that as well for your insurances now as well?","start":1429.885,"end":1436.11,"sentiment":"neutral","sentiment_score":0.17276670700973934},{"text":"Is that something you wanna address at a later Alright.","start":1436.11,"end":1475.355,"sentiment":"neutral","sentiment_score":-0.02372772563248873},{"text":"I'll add it to the the pile in the sense that they'll, like if they get to it within that three months, at the sort of bottom of the list due to the fact that we are having another conversation, you're just going away and having to think about things.","start":1475.355,"end":1486.4401,"sentiment":"neutral","sentiment_score":0.2538094286620617},{"text":"If they have it done before, that's fantastic.","start":1486.4401,"end":1488.12,"sentiment":"positive","sentiment_score":0.6251043379306793}],"sentiment":"neutral","sentiment_score":0.24773364075732351,"num_words":99,"start":1428.125,"end":1488.12},{"sentences":[{"text":"If not, we'll touch base then and get the ball rolling a bit quicker, and then we can touch on the insurance matters there as well.","start":1488.12,"end":1494.06,"sentiment":"neutral","sentiment_score":0.2926611854479863},{"text":"You don't currently have trauma insurance as well, which I'm not too sure how much you remember of that from the conversation that may have happened, you know, five years ago.","start":1494.2001,"end":1501.0651,"sentiment":"neutral","sentiment_score":-0.062308226659473394},{"text":"But that's that insurance that covers the things like heart attacks, strokes, traumatic events that may not fall under, like, your total permanent disability income protection style covers.","start":1501.0651,"end":1509.5651,"sentiment":"neutral","sentiment_score":-0.04313983701701675},{"text":"And in in saying that is a cover that has to be paid out of pocket.","start":1511.2401,"end":1513.88,"sentiment":"neutral","sentiment_score":-0.07022772100754082},{"text":"So given the the cash flow at the moment, probably not fantastic until, you know, giving it a bit of a three month wait.","start":1513.88,"end":1518.52,"sentiment":"neutral","sentiment_score":-0.15565257954100767}],"sentiment":"neutral","sentiment_score":-0.0031166806910187007,"num_words":125,"start":1488.12,"end":1518.52},{"sentences":[{"text":"But in saying that, it is something to consider, and we can have a bit more of a discussion around that a bit later as well if you'd like to see if you'd tell me if you're interested in seeing at least the pricing around.","start":1518.52,"end":1527.015,"sentiment":"neutral","sentiment_score":0.12104447674420145},{"text":"Not perfect.","start":1530.035,"end":1533.975,"sentiment":"neutral","sentiment_score":0.2579185739159584},{"text":"Now I'm just gonna do a quick risk profile there just to make sure that everything lines up with what we currently got you invested in just to to make a note of it.","start":1534.355,"end":1541.47,"sentiment":"neutral","sentiment_score":0.1912249377106919},{"text":"And as an we'll we'll leave it for the the three months anyway.","start":1541.47,"end":1543.95,"sentiment":"neutral","sentiment_score":0.1313301227413691},{"text":"But you are currently in that higher growth portfolio, and that's about a ninety ten split.","start":1543.95,"end":1549.95,"sentiment":"neutral","sentiment_score":0.14275867398828268}],"sentiment":"neutral","sentiment_score":0.14959924420849843,"num_words":110,"start":1518.52,"end":1549.95},{"sentences":[{"text":"So a ninety ten split in that sense that you have 90¢ growth type assets and about 10% more defensive like fixed interest.","start":1549.95,"end":1556.6749,"sentiment":"neutral","sentiment_score":0.19093372401866046},{"text":"You know?","start":1556.6749,"end":1557.255,"sentiment":"neutral","sentiment_score":0.005919303745031353},{"text":"Gold is considered a bit more of a growth asset at the moment just the way it's been performing, but you could also consider that a little bit to be defensive in the sense that during market downturns, it tends to go up in price a bit as well.","start":1557.475,"end":1567.8,"sentiment":"neutral","sentiment_score":0.14253159825290954},{"text":"Have you made any direct share investments since we sort of last spoke at all there, Andrew?","start":1570.4401,"end":1574.38,"sentiment":"neutral","sentiment_score":0.09828542457783923},{"text":"Yeah.","start":1576.3601,"end":1576.68,"sentiment":"neutral","sentiment_score":0.13048973679542542}],"sentiment":"neutral","sentiment_score":0.14283264620782254,"num_words":92,"start":1549.95,"end":1576.68},{"sentences":[{"text":"Not a problem at all.","start":1576.68,"end":1577.8,"sentiment":"neutral","sentiment_score":0.25380274653434753},{"text":"And then with the cost of living and inflation and, you know, how much everything is going up, are you willing to take on still a more moderate to high amount of risk to try and outpace that inflation to make sure your money is still growing?","start":1577.8,"end":1589.1749,"sentiment":"neutral","sentiment_score":0.053061685465434764},{"text":"Perfect.","start":1591.635,"end":1592.135,"sentiment":"positive","sentiment_score":0.4965606331825256},{"text":"And it's it's one of those things that you couldn't guess it if you wanted to, what they're gonna do next.","start":1592.77,"end":1602.71,"sentiment":"neutral","sentiment_score":-0.061994106020955814},{"text":"Yeah.","start":1605.645,"end":1605.9651,"sentiment":"neutral","sentiment_score":-0.14908729493618011}],"sentiment":"neutral","sentiment_score":0.03744680081804593,"num_words":75,"start":1576.68,"end":1605.9651},{"sentences":[{"text":"It's it's kind of just like the, you know, the the morning coffee cooler talk at the moment.","start":1605.9651,"end":1610.285,"sentiment":"neutral","sentiment_score":-0.17868954812486967},{"text":"It's just it's crazy kind of what is occurring each sort of day.","start":1610.285,"end":1613.5651,"sentiment":"neutral","sentiment_score":-0.24251304337611565},{"text":"It's like it's almost like you need a bingo card, but it's for the worst possible outcomes at the moment.","start":1613.5651,"end":1618.63,"sentiment":"neutral","sentiment_score":-0.28991391584277154},{"text":"So in saying that, though, war tends not to have, like, the like, a a major major downturn effect on market as things like terrorist attacks and things like that do.","start":1618.63,"end":1628.9501,"sentiment":"neutral","sentiment_score":-0.266583745998721},{"text":"Obviously, it does cause a lot of fluctuation, a lot of short term volatility, but in terms of, like, market rebound, it tends to be a lot smoother than other sort of world events as well.","start":1628.9501,"end":1638.635,"sentiment":"neutral","sentiment_score":-0.04124920660008987}],"sentiment":"neutral","sentiment_score":-0.1857324348352218,"num_words":118,"start":1605.9651,"end":1638.635},{"sentences":[{"text":"So as long as it doesn't evolve into, you know, World War three, the current walls, although they are having quite the effect on the markets currently, hopefully, is a bit more short lived much like the the Trump tariff announcements that occurred at the start of last year that caused the markets to have a bit of haywire as well.","start":1638.695,"end":1656.105,"sentiment":"neutral","sentiment_score":-0.31281181815706316},{"text":"But in saying that, if you did sort of change up your investments and six months after that dropped by 20% just due to, like, market trends there, like, you know, the war continues as another announcement, things like that, would you still hold your investments and wait for the long term for for those to recover?","start":1658.985,"end":1672.88,"sentiment":"neutral","sentiment_score":-0.18387864592174688},{"text":"Yeah.","start":1690.155,"end":1690.635,"sentiment":"neutral","sentiment_score":0.013065427541732788},{"text":"And if anything, would you still, like, put contributions into your super during those time frames when the markets are down?","start":1690.635,"end":1696.23,"sentiment":"neutral","sentiment_score":-0.014536188117095403},{"text":"Yep.","start":1703.75,"end":1704.25,"sentiment":"neutral","sentiment_score":0.0957321673631668}],"sentiment":"neutral","sentiment_score":-0.21105720624591864,"num_words":141,"start":1638.695,"end":1704.25},{"sentences":[{"text":"Yeah.","start":1711.525,"end":1711.925,"sentiment":"neutral","sentiment_score":0.1359787881374359},{"text":"And in terms of that, like, it can be, like you said, if it's companies that you have faith in returning in terms of their value and they've just lost it on paper, you don't typically lose until you're actually sold out of something.","start":1711.925,"end":1722.965,"sentiment":"neutral","sentiment_score":0.0360924212092703},{"text":"So in saying that with all those dips at the market, it doesn't matter until you're, like, a retiree, basically, and looking to, you know, get a chunk of your money out.","start":1722.965,"end":1730.26,"sentiment":"neutral","sentiment_score":0.04914000234566629},{"text":"Otherwise, everything else is just on paper.","start":1730.56,"end":1732.48,"sentiment":"neutral","sentiment_score":-0.06450990747128214},{"text":"So at that time, you know, that is occurring, and the prices are down.","start":1732.48,"end":1735.6,"sentiment":"neutral","sentiment_score":-0.10757083206304482}],"sentiment":"neutral","sentiment_score":0.013662901992092327,"num_words":98,"start":1711.525,"end":1735.6},{"sentences":[{"text":"If you're putting money still into your superannuation, you're getting those stocks at a lower price.","start":1735.6,"end":1739.28,"sentiment":"neutral","sentiment_score":0.0494954168680124},{"text":"So when they do at some point, return unfortunately, you know, you've got a fair bit of working life left behind you.","start":1739.28,"end":1744.715,"sentiment":"neutral","sentiment_score":-0.12439587847753004},{"text":"There's plenty of time for those to return and then grow by then some.","start":1745.015,"end":1748.235,"sentiment":"neutral","sentiment_score":-0.013907525688409805},{"text":"Does that make sense?","start":1748.6951,"end":1749.835,"sentiment":"neutral","sentiment_score":0.13239178992807865},{"text":"Perfect.","start":1751.895,"end":1752.24,"sentiment":"positive","sentiment_score":0.5453284978866577}],"sentiment":"neutral","sentiment_score":-0.018677058923793465,"num_words":57,"start":1735.6,"end":1752.24},{"sentences":[{"text":"And then with, like, COVID and things like that, when you you super did take a little bit of a hit there, did that make you, like, concerned at all, or you're just a little bit cautious of what's going on but not too fast?","start":1752.72,"end":1763.22,"sentiment":"neutral","sentiment_score":-0.06132438422905074},{"text":"Exactly.","start":1779.47,"end":1779.97,"sentiment":"neutral","sentiment_score":-0.02112841233611107},{"text":"And then opposed to the current loan you do have for, like, property and business equipment, would you ever put borrowed money into, like, an investment property, any sort of other investments at a later date?","start":1781.39,"end":1791.2483,"sentiment":"neutral","sentiment_score":-0.03615098663916191},{"text":"Sort of, you know, I think Yep.","start":1791.2483,"end":1811.87,"sentiment":"neutral","sentiment_score":0.004525116511753627},{"text":"And then with that, that's obviously something we can help you with.","start":1812.09,"end":1815.53,"sentiment":"neutral","sentiment_score":0.20301638978223005}],"sentiment":"neutral","sentiment_score":-0.015983056719645415,"num_words":101,"start":1752.72,"end":1815.53},{"sentences":[{"text":"And then if you don't have well, obviously, you've probably got a mortgage broker or you're just doing it through the bank, but we do have a few mortgage brokers here as well if you'd like to have a chat with them and see what their sort of views are and see if they can get you a sort of better loan as well, if that's something you wanna do opposed to maybe just going with your your bank if it's just through never things like that.","start":1815.53,"end":1831.65,"sentiment":"neutral","sentiment_score":0.00417165025726132},{"text":"Okay.","start":1835.09,"end":1835.49,"sentiment":"neutral","sentiment_score":0.17898273468017578},{"text":"Perfect.","start":1835.49,"end":1835.99,"sentiment":"positive","sentiment_score":0.46556490659713745},{"text":"Great.","start":1839.73,"end":1840.23,"sentiment":"positive","sentiment_score":0.49276769161224365},{"text":"And then in regards to those reports as well, obviously, they'll send out a copy of, like, your reports when they send out the AR pack in that.","start":1841.73,"end":1848.715,"sentiment":"neutral","sentiment_score":0.18317313359252044}],"sentiment":"neutral","sentiment_score":0.05617878513442258,"num_words":118,"start":1815.53,"end":1848.715},{"sentences":[{"text":"They'll do, like, a twelve month report, which as I said, they're sitting around the sort of 11.4% at the moment, which is, you know, great considering everything that is happening.","start":1848.715,"end":1856.355,"sentiment":"neutral","sentiment_score":0.2712006367021991},{"text":"I can let you know sort of as a a rolling return of sort of average what you've achieved since you've been onboard is sitting around the the 9.01% after fees in terms of return that you have gotten averaged out since the time you've been onboard yearly, which is, yeah, a really nice sort of track record of solid returns after fees, obviously, that is, you know, occurring there.","start":1856.355,"end":1880.105,"sentiment":"positive","sentiment_score":0.3993448044572558},{"text":"And given that you aren't really contributing there at the moment, it's really quite nice growth that is going in.","start":1880.105,"end":1885.71,"sentiment":"positive","sentiment_score":0.5712434366345406},{"text":"Yep.","start":1900.0449,"end":1900.5449,"sentiment":"neutral","sentiment_score":0.022346481680870056},{"text":"With that, generally, with the cost of property at the moment and your balance, so they say between, like, 3 and 500,000.","start":1903.005,"end":1910.845,"sentiment":"neutral","sentiment_score":0.025107257068157196}],"sentiment":"positive","sentiment_score":0.33583979805310565,"num_words":144,"start":1848.715,"end":1910.845},{"sentences":[{"text":"Obviously, you know, if you linked up with your partners or whatnot, you might be able to reach that amount.","start":1910.845,"end":1915.77,"sentiment":"neutral","sentiment_score":0.06824177652597427},{"text":"But they say between the 3 and 5 is where you can sort of maybe consider it, but then saying that it depends on, like, the property and what you're trying to invest in as well.","start":1915.77,"end":1923.63,"sentiment":"neutral","sentiment_score":0.03850893277881874},{"text":"Most sort of specialists say anywhere between, like, the $507,100,000 dollar mark, a normal sort of retail or industry fund can compete with the returns that do get in your self made super funds just based on the fact that the cost of running them is a lot higher than having, like, a standardized super or or, like, a retail rep platform.","start":1924.41,"end":1944.0,"sentiment":"neutral","sentiment_score":0.09607411812870734},{"text":"And then, obviously, a lot more compliance with you yourself and your responsibility to manage that being a self managed super fund.","start":1944.62,"end":1950.7,"sentiment":"neutral","sentiment_score":0.06879757293923335},{"text":"And then it becomes a lot more concentrated in terms of, like, your risk.","start":1950.7,"end":1954.8,"sentiment":"neutral","sentiment_score":0.01936406203146492}],"sentiment":"neutral","sentiment_score":0.06813244095870427,"num_words":154,"start":1910.845,"end":1954.8},{"sentences":[{"text":"So you take all your, you know, diversified ETFs, and you'd be putting them all into, like, one basket, which is that property.","start":1954.905,"end":1960.925,"sentiment":"neutral","sentiment_score":0.02233627236083798},{"text":"You know, it could, you know, get struck by, you know, a cyclone, could be damaged, poor tenants, things like that.","start":1961.145,"end":1966.505,"sentiment":"neutral","sentiment_score":-0.03987356612370128},{"text":"And then you've got to think about your time to retirement and drawing down on that superannuation.","start":1966.505,"end":1970.2051,"sentiment":"neutral","sentiment_score":-0.024532256976646537},{"text":"Like, I'm not trying to talk you you out of it, but, you know, you're taking on another yeah.","start":1971.21,"end":1978.51,"sentiment":"neutral","sentiment_score":-0.10239443222158834},{"text":"Yeah.","start":1986.825,"end":1987.305,"sentiment":"neutral","sentiment_score":0.0009686574339866638}],"sentiment":"neutral","sentiment_score":-0.03315042651453872,"num_words":81,"start":1954.905,"end":1987.305},{"sentences":[{"text":"And then, yeah, the the other main thing there as well is it's a thirty year loan most likely.","start":1987.305,"end":1991.965,"sentiment":"neutral","sentiment_score":-0.02027558309859351},{"text":"And then if you don't have, like, a separate, like, investment portfolio within that and you hit, you know, sixty, sixty five, and you're start drawing down some of those funds, if you've only got a loan attached and the the rental's not even covering the loan, you know, you've gotta bridge that somewhere, and you've either gotta keep putting money in, keep working, sell the property, and then you're sort of back to to square one of having to reinvest that money.","start":1992.025,"end":2013.405,"sentiment":"neutral","sentiment_score":-0.06927173279495125},{"text":"And then you've either gotta switch back to a super fund or you've gotta a look at, you know, just maintaining a self made super and paying those administration costs and audits just to have basically cash invested in shares and stocks, which is something to be mindful of as well.","start":2013.405,"end":2030.86,"sentiment":"neutral","sentiment_score":-0.004419549101251452},{"text":"Yep.","start":2035.015,"end":2035.335,"sentiment":"neutral","sentiment_score":0.31103336811065674},{"text":"Obviously, if you want, like, a little bit more, happy to have a bit more of a chat around it.","start":2035.335,"end":2038.635,"sentiment":"neutral","sentiment_score":0.2952447898685932}],"sentiment":"neutral","sentiment_score":-0.0008290674685950166,"num_words":174,"start":1987.305,"end":2038.635},{"sentences":[{"text":"You can also look up things on the ATO that I think things like that.","start":2038.935,"end":2042.375,"sentiment":"neutral","sentiment_score":0.1656680757800738},{"text":"They do release, like, reports on them and stuff as well.","start":2042.375,"end":2044.855,"sentiment":"neutral","sentiment_score":0.17949571257287805},{"text":"They actually are tracking down a little bit in the sense that, you know, some people really just want them and some advisers just go along with it and recommend it, and it really just isn't putting clients in a better position.","start":2044.855,"end":2054.9001,"sentiment":"neutral","sentiment_score":0.14687053868103594},{"text":"So a bit bit more wary about it and saying making sure that it will do.","start":2054.9001,"end":2059.7002,"sentiment":"neutral","sentiment_score":-0.3316386425867677},{"text":"Obviously, you know, if you go in with, you know, your partner and you're looking at, like, a $500,000 property, you still lack of diversification.","start":2059.7002,"end":2066.655,"sentiment":"neutral","sentiment_score":-0.12012916773557664}],"sentiment":"neutral","sentiment_score":0.021271459860812632,"num_words":109,"start":2038.935,"end":2066.655},{"sentences":[{"text":"It comes like it still can be a lot more affordable and things like that as well.","start":2066.955,"end":2070.075,"sentiment":"neutral","sentiment_score":0.12335747940575376},{"text":"But, yeah, it all just depends on the situation, but there are a lot more sort of risks as well to it.","start":2070.075,"end":2076.69,"sentiment":"neutral","sentiment_score":-0.16734151186590845},{"text":"Not a problem.","start":2080.29,"end":2080.93,"sentiment":"positive","sentiment_score":0.4004124502340953},{"text":"Is there anything else you wanna chat about there, Andrew, in regards to anything at all?","start":2080.93,"end":2084.63,"sentiment":"neutral","sentiment_score":0.165155622176826},{"text":"So is it as I said, I'll sort of start a note on this just so they can start the research a bit falls.","start":2098.145,"end":2103.39,"sentiment":"neutral","sentiment_score":-0.025824454613029957}],"sentiment":"neutral","sentiment_score":0.019993954678861107,"num_words":82,"start":2066.955,"end":2103.39},{"sentences":[{"text":"You know, they've run out of work, which are are down at the moment.","start":2103.39,"end":2105.63,"sentiment":"neutral","sentiment_score":-0.2192984792803015},{"text":"There is a bit of a backlog, but then I'll chuck you down for a three month follow-up, and then we'll really get the ball sort of rolling there just to do that little update with Benelon.","start":2105.63,"end":2112.45,"sentiment":"neutral","sentiment_score":0.04042953368578408},{"text":"In that time frame, we never know.","start":2113.0698,"end":2114.3499,"sentiment":"neutral","sentiment_score":0.025660852236407145},{"text":"They might sort of make a bit of recovery as well and recoup a bit of that loss.","start":2114.3499,"end":2117.3098,"sentiment":"neutral","sentiment_score":-0.015058100637462404},{"text":"But if you're happy with that 15 or more 10% now just riding at the moment while you sort of sort a few things out, and then we can discuss your insurances and the investments a bit more at that later date.","start":2117.3098,"end":2126.9448,"sentiment":"neutral","sentiment_score":0.24337059631943703}],"sentiment":"neutral","sentiment_score":0.07250728166141247,"num_words":118,"start":2103.39,"end":2126.9448},{"sentences":[{"text":"Crazy, mate.","start":2129.7249,"end":2130.285,"sentiment":"positive","sentiment_score":0.743861734867096},{"text":"Well, you enjoy the rest of your day.","start":2130.285,"end":2131.565,"sentiment":"positive","sentiment_score":0.773197129368782},{"text":"Thanks for your time, and I'll talk to you shortly, I'm sure.","start":2131.565,"end":2134.563,"sentiment":"positive","sentiment_score":0.6291255429387093},{"text":"No problem, Andrew.","start":2137.123,"end":2137.843,"sentiment":"positive","sentiment_score":0.5879296660423279},{"text":"You enjoy the rest of your 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Eddie speaking. Good day, sir. Yep. Yep. 28th Of The 1st 1979 And 53 Glencoe Crescent Seaweed. Yep. Yep. Yep. Yeah. Yep. It is 0459 323666. 323666. Yep. Yep. No. It's still one man band. So it's stopped. So baby to field work, baby to work on the computer. Probably probably in 8020. Oh, really? Andy Mann NT. Yeah. Probably about thirty five forty because I'm only doing it for four days on on tools, one day at home with my son and doing quoting and other stuff while he sleeps. What are we now? About six years in this in being self employed. It was mid nineteen nine mid twenty twenty nineteen that I started. Construction. No. No. Gross or take home? Gross or after before after tax? Probably about a 100 gross, just off the top of my head. Sorry? No. It's not a company. Oh, not at the top of my head. No. Not at the moment. We just we've got a young child. Her wife's still on mat leave, but everything's going to pay off whatever the bill's the most pressing at the time. Yep. Yep. Did that. And so what I have been doing is I have been putting 20% of all invoices that come in aside for GST and then for the super. But due to the current financial crisis that's going on at my house, I've had to just strip that all away and pay off the most pressing thing. But, yeah, generally, it's definitely my practice that this year I'm gonna start adding in. When once everything's up to date, I will be doing you know, paying off my quarterly GST, and then whatever's left in that account will be paid into super. Yep. Yep. Yeah. Right. I'll I'll get up my account about that when time comes. Yes. It's gone down to two it's gone down to two cars, but it combined The combined well, work is probably the same. I've got rid of the truth. What cards you got down? Yep. Yep. Yep. Yeah. That's fine. That's the one that went around 13,000. Yeah. That's the one that went. Yeah. No. We still got that. That's the wife's car. And this the department's car. Yep. Yep. That's Our ring would probably be about 40,000. It's a equipment line through through NAB. So it's just through my business. Not my business. Equipment line. Yeah. Yeah. 5 hundred thousand. Yeah. It's refinanced. Yep. Alright. It'd be probably around 1,000,000. Okay. There's definitely been other houses sold in the area that have been getting the high eights that are nowhere near as good as this house. And I've had a quick conversation with the fellow that I do work for who's a real estate agent, and he sort he used to think it'd be around 1,000,000 at the moment. No. Yep. No. Not really. No. I'd like to, but we're on a week to week basis at the moment. No. Sounds like me. Everything's pretty good? No. Only for ADHD, but that's not really for health. That's more mental health medication. Yep. Yep. Yep. Yep. Hospitals and extras. Yeah. I've got an older wheel. So they're just it was before in children, and it's written to any dependents. Alright. Yep. No. No. That that cost way too much money. We're not getting married. No. There's there's no we're still we live with each other long enough that it doesn't really matter if you've got the ring on it or not. That's just if you separate, the same same happens. Yep. No. What was that? Sorry. No. No. No. Only in only in the on the around the dining table. Can't think of it at the moment. It's just sort of trying to make sure we're we've got a heads about water. And then once that sort of settles down, then we can sort of think along. Yeah. That's right. Yep. Yep. Yep. Yep. Yeah. I probably need to sit down and review it. I think once I get this year's performance and everything in, I should sit down and have a good proper review on it. But, yeah, I haven't really thought of it much of late. But, yeah, you're right. I do need to have a proper look at it. Yep. Yes. Yeah. Cool. Yep. Yep. Yep. Yeah. I think I like, I just yeah. I need to have a look at everything, all the performances from this year and sit down and, like, spend a few hours going through it all before I make any decisions on on anything future. Yep. Well, look, it is the and when you say active and passive, so your active is more of a high risk sort of investment, and your passive is just something that's gonna tick along and not really lose or gain too much. Is that correct? Yep. Yep. Yep. Yep. Alright. So yeah. Well, it's not a big portion of the portfolio. Maybe just change it up to a active. Yeah. Yep. Yeah. I think, like, that's the way it was set up so that it was set up so that it was active a certain amount of active and passive throughout the portfolio. And if that one active is being put on hold due to circumstances beyond control, it's probably best to change it up and keep it active. Not not yet. I'll I'll revisit that. I'll spend a bit of time hopefully in the next couple of weeks in the evenings going through all my super and just seeing where everything's at. You know, it's just so I can sort of have a good look at the of it on paper screen slash screen, I should say, and then revisit that. Probably, maybe in a in three months is probably a good time to revisit that. It'll sort of give us an idea of what's going on with the world as well. Yep. Yep. Yep. Yep. Yeah. Cool. Yep. Well, I'll consider that as well. Yep. Nah. Yeah. I think so. You guys are you guys are watching America very closely at the moment, I hope. No. That's crazy. Yep. Yeah. You know, I think if there's all these companies that aren't gonna go anywhere, I think calling out for recovery is the best idea in my limited financial knowledge. You know? I hadn't really thought of that. I will be trying to put them in regardless because at the end of the day, any contributions is better than no contributions. Yep. Yep. Yep. Not too fast. I think, you know, so long as it does doesn't all dip down when I'm 64 years age of age, there's not much I can really do about at this stage. You know, it's the long game rather than the short game. Yeah. We're hoping to look at that once my partner's back at full time work so that we can actually look at refinancing again and then getting some of the equity out and refinancing into and reinvesting into either property or investment. So Yep. Yeah. No. I've got we've got a broker that we've been using. He's he's usually pretty good. Yeah. That's that's pretty good. Yeah. Yeah. Yeah. We have been we I have been also considering using super to buy investment properties as well, like going to a self managed. What's your thoughts on that? Yep. Yep. Yeah. Right. No. No. No. That's that's exactly why I asked you. You know? Like, it's it's all about other people's thoughts and views on this situation rather than getting anyone to try and talk me out or talk me into it. You know? Yeah. Alright. Cool. That's that's good good information. Yep. Yes. Yeah. Alright. Cool. Not at the moment. I think that's pretty good at this point in time. Yeah. I haven't got anything more on the top of my head. So yeah. No. All good. Sounds good. Alrighty. 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Eddie speaking. Good day, sir. Yep. Yep.\n\n28th Of The 1st 1979 And 53 Glencoe Crescent Seaweed. Yep. Yep. Yep. Yeah.\n\nYep. It is 0459 323666. 323666. Yep. Yep.\n\nNo. It's still one man band. So it's stopped. So baby to field work, baby to work on the computer. Probably probably in 8020.\n\nOh, really? Andy Mann NT. Yeah. Probably about thirty five forty because I'm only doing it for four days on on tools, one day at home with my son and doing quoting and other stuff while he sleeps. What are we now?\n\nAbout six years in this in being self employed. It was mid nineteen nine mid twenty twenty nineteen that I started. Construction. No. No.\n\nGross or take home? Gross or after before after tax? Probably about a 100 gross, just off the top of my head. Sorry? No.\n\nIt's not a company. Oh, not at the top of my head. No. Not at the moment. We just we've got a young child.\n\nHer wife's still on mat leave, but everything's going to pay off whatever the bill's the most pressing at the time. Yep. Yep. Did that. And so what I have been doing is I have been putting 20% of all invoices that come in aside for GST and then for the super.\n\nBut due to the current financial crisis that's going on at my house, I've had to just strip that all away and pay off the most pressing thing. But, yeah, generally, it's definitely my practice that this year I'm gonna start adding in. When once everything's up to date, I will be doing you know, paying off my quarterly GST, and then whatever's left in that account will be paid into super. Yep. Yep.\n\nYeah. Right. I'll I'll get up my account about that when time comes. Yes. It's gone down to two it's gone down to two cars, but it combined The combined well, work is probably the same.\n\nI've got rid of the truth. What cards you got down? Yep. Yep. Yep.\n\nYeah. That's fine. That's the one that went around 13,000. Yeah. That's the one that went.\n\nYeah. No. We still got that. That's the wife's car. And this the department's car.\n\nYep. Yep. That's Our ring would probably be about 40,000. It's a equipment line through through NAB. So it's just through my business.\n\nNot my business. Equipment line. Yeah. Yeah. 5 hundred thousand.\n\nYeah. It's refinanced. Yep. Alright. It'd be probably around 1,000,000.\n\nOkay. There's definitely been other houses sold in the area that have been getting the high eights that are nowhere near as good as this house. And I've had a quick conversation with the fellow that I do work for who's a real estate agent, and he sort he used to think it'd be around 1,000,000 at the moment. No. Yep.\n\nNo. Not really. No. I'd like to, but we're on a week to week basis at the moment. No.\n\nSounds like me. Everything's pretty good? No. Only for ADHD, but that's not really for health. That's more mental health medication.\n\nYep. Yep. Yep. Yep. Hospitals and extras.\n\nYeah. I've got an older wheel. So they're just it was before in children, and it's written to any dependents. Alright. Yep.\n\nNo. No. That that cost way too much money. We're not getting married. No.\n\nThere's there's no we're still we live with each other long enough that it doesn't really matter if you've got the ring on it or not. That's just if you separate, the same same happens. Yep. No. What was that?\n\nSorry. No. No. No. Only in only in the on the around the dining table.\n\nCan't think of it at the moment. It's just sort of trying to make sure we're we've got a heads about water. And then once that sort of settles down, then we can sort of think along. Yeah. That's right.\n\nYep. Yep. Yep. Yep. Yeah.\n\nI probably need to sit down and review it. I think once I get this year's performance and everything in, I should sit down and have a good proper review on it. But, yeah, I haven't really thought of it much of late. But, yeah, you're right. I do need to have a proper look at it.\n\nYep. Yes. Yeah. Cool. Yep.\n\nYep. Yep. Yeah. I think I like, I just yeah. I need to have a look at everything, all the performances from this year and sit down and, like, spend a few hours going through it all before I make any decisions on on anything future.\n\nYep. Well, look, it is the and when you say active and passive, so your active is more of a high risk sort of investment, and your passive is just something that's gonna tick along and not really lose or gain too much. Is that correct? Yep. Yep.\n\nYep. Yep. Alright. So yeah. Well, it's not a big portion of the portfolio.\n\nMaybe just change it up to a active. Yeah. Yep. Yeah. I think, like, that's the way it was set up so that it was set up so that it was active a certain amount of active and passive throughout the portfolio.\n\nAnd if that one active is being put on hold due to circumstances beyond control, it's probably best to change it up and keep it active. Not not yet. I'll I'll revisit that. I'll spend a bit of time hopefully in the next couple of weeks in the evenings going through all my super and just seeing where everything's at. You know, it's just so I can sort of have a good look at the of it on paper screen slash screen, I should say, and then revisit that.\n\nProbably, maybe in a in three months is probably a good time to revisit that. It'll sort of give us an idea of what's going on with the world as well. Yep. Yep. Yep.\n\nYep. Yeah. Cool. Yep. Well, I'll consider that as well.\n\nYep. Nah. Yeah. I think so. You guys are you guys are watching America very closely at the moment, I hope.\n\nNo. That's crazy. Yep. Yeah. You know, I think if there's all these companies that aren't gonna go anywhere, I think calling out for recovery is the best idea in my limited financial knowledge.\n\nYou know? I hadn't really thought of that. I will be trying to put them in regardless because at the end of the day, any contributions is better than no contributions. Yep. Yep.\n\nYep. Not too fast. I think, you know, so long as it does doesn't all dip down when I'm 64 years age of age, there's not much I can really do about at this stage. You know, it's the long game rather than the short game. Yeah.\n\nWe're hoping to look at that once my partner's back at full time work so that we can actually look at refinancing again and then getting some of the equity out and refinancing into and reinvesting into either property or investment. So Yep. Yeah. No. I've got we've got a broker that we've been using.\n\nHe's he's usually pretty good. Yeah. That's that's pretty good. Yeah. Yeah.\n\nYeah. We have been we I have been also considering using super to buy investment properties as well, like going to a self managed. What's your thoughts on that? Yep. Yep.\n\nYeah. Right. No. No. No.\n\nThat's that's exactly why I asked you. You know? Like, it's it's all about other people's thoughts and views on this situation rather than getting anyone to try and talk me out or talk me into it. You know? Yeah.\n\nAlright. Cool. That's that's good good information. Yep. Yes.\n\nYeah. Alright. Cool. Not at the moment. I think that's pretty good at this point in time.\n\nYeah. I haven't got anything more on the top of my head. So yeah. No. All good.\n\nSounds good. Alrighty. Thanks very much.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.76,"sentiment":"neutral","sentiment_score":0.016743680462241173},{"text":"Eddie speaking.","start":1.76,"end":2.58,"sentiment":"neutral","sentiment_score":0.026630979031324387},{"text":"Good day, sir.","start":6.48,"end":7.46,"sentiment":"positive","sentiment_score":0.4735475480556488},{"text":"Yep.","start":11.679999,"end":12.179999,"sentiment":"neutral","sentiment_score":0.22645053267478943},{"text":"Yep.","start":20.275,"end":20.775,"sentiment":"neutral","sentiment_score":0.04211115092039108}],"sentiment":"neutral","sentiment_score":0.2199012457858771,"num_words":8,"start":1.28,"end":20.775},{"sentences":[{"text":"28th Of The 1st 1979 And 53 Glencoe Crescent 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correct?","start":1292.965,"end":1293.69,"sentiment":"neutral","sentiment_score":0.04527005304892858},{"text":"Yep.","start":1306.57,"end":1306.995,"sentiment":"neutral","sentiment_score":0.10289619863033296},{"text":"Yep.","start":1339.585,"end":1340.085,"sentiment":"neutral","sentiment_score":0.03889627754688263}],"sentiment":"neutral","sentiment_score":-0.012370929083166024,"num_words":48,"start":1245.13,"end":1340.085},{"sentences":[{"text":"Yep.","start":1358.73,"end":1359.23,"sentiment":"neutral","sentiment_score":0.0887017697095871},{"text":"Yep.","start":1378.545,"end":1379.045,"sentiment":"neutral","sentiment_score":0.21734172105789185},{"text":"Alright.","start":1379.425,"end":1379.925,"sentiment":"neutral","sentiment_score":0.19658754765987396},{"text":"So yeah.","start":1379.985,"end":1382.01,"sentiment":"neutral","sentiment_score":0.14411712437868118},{"text":"Well, it's not a big portion of the portfolio.","start":1382.01,"end":1384.91,"sentiment":"neutral","sentiment_score":0.00014839921560552366}],"sentiment":"neutral","sentiment_score":0.0565857771517975,"num_words":14,"start":1358.73,"end":1384.91},{"sentences":[{"text":"Maybe just change it up to a active.","start":1385.13,"end":1387.63,"sentiment":"neutral","sentiment_score":0.013848939444869757},{"text":"Yeah.","start":1389.61,"end":1390.11,"sentiment":"neutral","sentiment_score":0.14812305569648743},{"text":"Yep.","start":1394.025,"end":1394.525,"sentiment":"neutral","sentiment_score":0.20955249667167664},{"text":"Yeah.","start":1408.6799,"end":1408.9199,"sentiment":"neutral","sentiment_score":0.3164580762386322},{"text":"I think, like, that's the way it was set up so that it was set up so that it was active a certain amount of active and passive throughout the portfolio.","start":1408.9199,"end":1417.2599,"sentiment":"neutral","sentiment_score":0.3143900007970871}],"sentiment":"neutral","sentiment_score":0.2507384564017966,"num_words":42,"start":1385.13,"end":1417.2599},{"sentences":[{"text":"And if that one active is being put on hold due to circumstances beyond control, it's probably best to change it up and keep it active.","start":1417.32,"end":1426.005,"sentiment":"neutral","sentiment_score":-0.06220598536758469},{"text":"Not not yet.","start":1437.2649,"end":1438.225,"sentiment":"neutral","sentiment_score":-0.1491731454928716},{"text":"I'll I'll revisit that.","start":1438.225,"end":1439.48,"sentiment":"neutral","sentiment_score":0.018052782223094255},{"text":"I'll spend a bit of time hopefully in the next couple of weeks in the evenings going through all my super and just seeing where everything's at.","start":1439.48,"end":1449.74,"sentiment":"neutral","sentiment_score":0.2162656072113249},{"text":"You know, it's just so I can sort of have a good look at the of it on paper screen slash screen, I should say, and then revisit that.","start":1450.84,"end":1461.8049,"sentiment":"neutral","sentiment_score":0.14613431961885814}],"sentiment":"neutral","sentiment_score":0.09083598580347436,"num_words":89,"start":1417.32,"end":1461.8049},{"sentences":[{"text":"Probably, maybe in a in three months is probably a good time to revisit that.","start":1464.1849,"end":1469.6799,"sentiment":"neutral","sentiment_score":0.1956585516532262},{"text":"It'll sort of give us an idea of what's going on with the world as well.","start":1469.6799,"end":1473.5399,"sentiment":"neutral","sentiment_score":0.17372415447607636},{"text":"Yep.","start":1485.155,"end":1485.655,"sentiment":"neutral","sentiment_score":0.14392754435539246},{"text":"Yep.","start":1490.995,"end":1491.495,"sentiment":"neutral","sentiment_score":0.26595187187194824},{"text":"Yep.","start":1510.0,"end":1510.335,"sentiment":"neutral","sentiment_score":0.03912295773625374}],"sentiment":"neutral","sentiment_score":0.18127844471703558,"num_words":34,"start":1464.1849,"end":1510.335},{"sentences":[{"text":"Yep.","start":1526.53,"end":1527.03,"sentiment":"neutral","sentiment_score":0.17804908752441406},{"text":"Yeah.","start":1527.97,"end":1528.21,"sentiment":"neutral","sentiment_score":0.3252245783805847},{"text":"Cool.","start":1528.21,"end":1528.71,"sentiment":"positive","sentiment_score":0.4423559308052063},{"text":"Yep.","start":1529.49,"end":1529.8099,"sentiment":"neutral","sentiment_score":0.2590794265270233},{"text":"Well, I'll consider that as well.","start":1529.8099,"end":1532.3099,"sentiment":"neutral","sentiment_score":-0.011720435072978335}],"sentiment":"neutral","sentiment_score":0.11343864127993583,"num_words":10,"start":1526.53,"end":1532.3099},{"sentences":[{"text":"Yep.","start":1568.14,"end":1568.535,"sentiment":"neutral","sentiment_score":0.11195026338100432},{"text":"Nah.","start":1574.935,"end":1575.435,"sentiment":"neutral","sentiment_score":0.09093441814184187},{"text":"Yeah.","start":1589.48,"end":1589.72,"sentiment":"neutral","sentiment_score":0.1596682071685791},{"text":"I think so.","start":1589.72,"end":1590.62,"sentiment":"neutral","sentiment_score":0.2264923999706904},{"text":"You guys are you guys are watching America very closely at the moment, I hope.","start":1592.6799,"end":1597.1,"sentiment":"neutral","sentiment_score":0.12393495390812556}],"sentiment":"neutral","sentiment_score":0.13814544748692287,"num_words":21,"start":1568.14,"end":1597.1},{"sentences":[{"text":"No.","start":1602.005,"end":1602.505,"sentiment":"neutral","sentiment_score":-0.32592982053756714},{"text":"That's crazy.","start":1603.6849,"end":1604.985,"sentiment":"negative","sentiment_score":-0.4390445947647095},{"text":"Yep.","start":1653.785,"end":1654.285,"sentiment":"neutral","sentiment_score":-0.2631133496761322},{"text":"Yeah.","start":1656.665,"end":1657.165,"sentiment":"neutral","sentiment_score":-0.11356619000434875},{"text":"You know, I think if there's all these companies that aren't gonna go anywhere, I think calling out for recovery is the best idea in my limited financial knowledge.","start":1674.6,"end":1689.035,"sentiment":"neutral","sentiment_score":-0.12574252820220486}],"sentiment":"neutral","sentiment_score":-0.1537421137532767,"num_words":34,"start":1602.005,"end":1689.035},{"sentences":[{"text":"You know?","start":1690.935,"end":1691.595,"sentiment":"neutral","sentiment_score":-0.006849500350654125},{"text":"I hadn't really thought of that.","start":1699.22,"end":1700.42,"sentiment":"neutral","sentiment_score":-0.12059979140758514},{"text":"I will be trying to put them in regardless because at the end of the day, any contributions is better than no contributions.","start":1700.42,"end":1710.085,"sentiment":"neutral","sentiment_score":0.05092876307342364},{"text":"Yep.","start":1730.8201,"end":1731.3201,"sentiment":"neutral","sentiment_score":-0.009804679080843924},{"text":"Yep.","start":1748.0851,"end":1748.5851,"sentiment":"neutral","sentiment_score":0.10780183970928192}],"sentiment":"neutral","sentiment_score":0.016123059459707954,"num_words":33,"start":1690.935,"end":1748.5851},{"sentences":[{"text":"Yep.","start":1750.0851,"end":1750.5851,"sentiment":"neutral","sentiment_score":0.3019380569458008},{"text":"Not too fast.","start":1764.535,"end":1765.495,"sentiment":"neutral","sentiment_score":-0.13917113343874613},{"text":"I think, you know, so long as it does doesn't all dip down when I'm 64 years age of age, there's not much I can really do about at this stage.","start":1765.495,"end":1775.515,"sentiment":"neutral","sentiment_score":-0.25848531482681153},{"text":"You know, it's the long game rather than the short game.","start":1775.815,"end":1778.555,"sentiment":"neutral","sentiment_score":-0.15824188766154376},{"text":"Yeah.","start":1791.37,"end":1791.87,"sentiment":"neutral","sentiment_score":-0.006095437332987785}],"sentiment":"neutral","sentiment_score":-0.2101143894598205,"num_words":47,"start":1750.0851,"end":1791.87},{"sentences":[{"text":"We're hoping to look at that once my partner's back at full time work so that we can actually look at refinancing again and then getting some of the equity out and refinancing into and reinvesting into either property or investment.","start":1793.2251,"end":1810.42,"sentiment":"neutral","sentiment_score":0.017369433465163883},{"text":"So Yep.","start":1812.24,"end":1823.965,"sentiment":"neutral","sentiment_score":0.05755348317325115},{"text":"Yeah.","start":1831.545,"end":1831.865,"sentiment":"neutral","sentiment_score":0.003780619241297245},{"text":"No.","start":1831.865,"end":1832.105,"sentiment":"neutral","sentiment_score":-0.022643646225333217},{"text":"I've got we've got a broker that we've been using.","start":1832.105,"end":1834.205,"sentiment":"neutral","sentiment_score":0.019648630730807783}],"sentiment":"neutral","sentiment_score":0.018270491249859334,"num_words":55,"start":1793.2251,"end":1834.205},{"sentences":[{"text":"He's he's usually pretty good.","start":1836.51,"end":1838.13,"sentiment":"neutral","sentiment_score":0.3222480535507202},{"text":"Yeah.","start":1870.78,"end":1871.02,"sentiment":"neutral","sentiment_score":0.07478562742471695},{"text":"That's that's pretty good.","start":1871.02,"end":1873.04,"sentiment":"positive","sentiment_score":0.6169622093439102},{"text":"Yeah.","start":1886.245,"end":1886.745,"sentiment":"neutral","sentiment_score":0.16638675332069397},{"text":"Yeah.","start":1887.765,"end":1888.245,"sentiment":"neutral","sentiment_score":0.11954784393310548}],"sentiment":"positive","sentiment_score":0.3699841108173132,"num_words":12,"start":1836.51,"end":1888.245},{"sentences":[{"text":"Yeah.","start":1888.245,"end":1888.485,"sentiment":"neutral","sentiment_score":0.1095227673649788},{"text":"We have been we I have been also considering using super to buy investment properties as well, like going to a self managed.","start":1888.485,"end":1899.23,"sentiment":"neutral","sentiment_score":0.10302579597286556},{"text":"What's your thoughts on that?","start":1899.7699,"end":1901.07,"sentiment":"neutral","sentiment_score":0.02315721120685339},{"text":"Yep.","start":1944.675,"end":1945.175,"sentiment":"neutral","sentiment_score":0.0483073890209198},{"text":"Yep.","start":1951.01,"end":1951.51,"sentiment":"neutral","sentiment_score":0.016298864036798477}],"sentiment":"neutral","sentiment_score":0.08579059302686684,"num_words":31,"start":1888.245,"end":1951.51},{"sentences":[{"text":"Yeah.","start":1971.3049,"end":1971.625,"sentiment":"neutral","sentiment_score":-0.026604894548654556},{"text":"Right.","start":1971.625,"end":1972.125,"sentiment":"neutral","sentiment_score":-0.07980789989233017},{"text":"No.","start":1973.385,"end":1973.5449,"sentiment":"neutral","sentiment_score":-0.16840755939483645},{"text":"No.","start":1973.5449,"end":1973.865,"sentiment":"neutral","sentiment_score":-0.18818023800849917},{"text":"No.","start":1973.865,"end":1973.945,"sentiment":"neutral","sentiment_score":-0.1620904803276062}],"sentiment":"neutral","sentiment_score":-0.1250182144343853,"num_words":5,"start":1971.3049,"end":1973.945},{"sentences":[{"text":"That's that's exactly why I asked you.","start":1973.945,"end":1977.0701,"sentiment":"neutral","sentiment_score":-0.06343042744057519},{"text":"You know?","start":1977.0701,"end":1977.23,"sentiment":"neutral","sentiment_score":-0.033571445383131504},{"text":"Like, it's it's all about other people's thoughts and views on this situation rather than getting anyone to try and talk me out or talk me into it.","start":1977.23,"end":1985.9501,"sentiment":"neutral","sentiment_score":-0.07697580907759922},{"text":"You know?","start":1985.9501,"end":1986.61,"sentiment":"neutral","sentiment_score":-0.018347618635743856},{"text":"Yeah.","start":2028.095,"end":2028.595,"sentiment":"neutral","sentiment_score":-0.0018633324652910233}],"sentiment":"neutral","sentiment_score":-0.06762592766899615,"num_words":40,"start":1973.945,"end":2028.595},{"sentences":[{"text":"Alright.","start":2031.215,"end":2031.715,"sentiment":"neutral","sentiment_score":0.29662013053894043},{"text":"Cool.","start":2031.775,"end":2032.255,"sentiment":"positive","sentiment_score":0.4899986982345581},{"text":"That's that's good good information.","start":2032.255,"end":2033.955,"sentiment":"positive","sentiment_score":0.6440900564193726},{"text":"Yep.","start":2045.4801,"end":2045.9801,"sentiment":"neutral","sentiment_score":0.20264099538326263},{"text":"Yes.","start":2056.3052,"end":2056.8052,"sentiment":"neutral","sentiment_score":-0.15331992506980896}],"sentiment":"positive","sentiment_score":0.450710020131535,"num_words":9,"start":2031.215,"end":2056.8052},{"sentences":[{"text":"Yeah.","start":2077.61,"end":2078.01,"sentiment":"neutral","sentiment_score":0.05348115786910057},{"text":"Alright.","start":2078.01,"end":2078.4102,"sentiment":"neutral","sentiment_score":0.2763819098472595},{"text":"Cool.","start":2078.4102,"end":2078.9102,"sentiment":"positive","sentiment_score":0.4762241244316101},{"text":"Not at the moment.","start":2085.255,"end":2086.2148,"sentiment":"neutral","sentiment_score":-0.2553853839635849},{"text":"I think that's pretty good at this point in time.","start":2086.2148,"end":2088.635,"sentiment":"neutral","sentiment_score":-0.01207078667357564}],"sentiment":"neutral","sentiment_score":-0.019774247673066223,"num_words":17,"start":2077.61,"end":2088.635},{"sentences":[{"text":"Yeah.","start":2091.095,"end":2091.4148,"sentiment":"neutral","sentiment_score":-0.07435701042413712},{"text":"I haven't got anything more on the top of my head.","start":2091.4148,"end":2093.7,"sentiment":"neutral","sentiment_score":-0.20830075984651392},{"text":"So yeah.","start":2095.7,"end":2096.44,"sentiment":"neutral","sentiment_score":-0.054569294676184654},{"text":"No.","start":2096.5798,"end":2096.98,"sentiment":"neutral","sentiment_score":-0.15546028316020966},{"text":"All good.","start":2096.98,"end":2097.64,"sentiment":"neutral","sentiment_score":-0.018586181104183197}],"sentiment":"neutral","sentiment_score":-0.15690803549745502,"num_words":17,"start":2091.095,"end":2097.64},{"sentences":[{"text":"Sounds good.","start":2127.48,"end":2128.78,"sentiment":"positive","sentiment_score":0.742904782295227},{"text":"Alrighty.","start":2135.1829,"end":2135.6829,"sentiment":"positive","sentiment_score":0.4730002284049988},{"text":"Thanks very much.","start":2135.743,"end":2136.803,"sentiment":"positive","sentiment_score":0.7762144605318705}],"sentiment":"positive","sentiment_score":0.7145755290985107,"num_words":6,"start":2127.48,"end":2136.803}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Eddie speaking.\n\nChannel 0: Good afternoon, Andrew. It's Carl calling from Oakview Financial. How are you today?\n\nChannel 1: Good day, sir.\n\nChannel 0: That's good to hear. I just scheduled in for you and your review. Is Nestle a good time for you?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Not a problem at all. Just to get started on that one, Andrew, if I could pass you to security, just that name, date of birth, and current address, we can get stuck into that one today.\n\nChannel 1: Yep. 28th Of The 1st 1979 And 53 Glencoe Crescent Seaweed.\n\nChannel 0: Perfect. Thank you. I just let you know these calls are recorded for quality and training purposes there as well. Now\n\nChannel 1: Yep.\n\nChannel 0: I don't believe we have spoken before, Andrew. I'm one of the financial advisers here at Oakview Financial. If you wanted to see me or the rest of the team that's here at the moment, they have updated the website there. You can see the most up to date financial services guide and Oakview services guide there as well with a few business updates that they've done if you'd\n\nChannel 1: Yep.\n\nChannel 0: like to have a look at those as well. I know\n\nChannel 1: Yep.\n\nChannel 0: you've done a few of these before there, Andrew. So I'll try and make it as short and sweet as possible as I can for you. We'll run through and do some updated track fund information, a risk profile, make sure that's up to date. I'll run through sort of what's occurred over the last twelve months. And then from there, the team will send you out to see a new review pack with the the twelve month performance, just your currency and things like that as well, if that's alright.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. I'll just go a few and confirm your details there. So are you currently still under a factor relationship at the moment or perfect. And still, Sofia is your next of kin contact? Yep.\n\nI don't have a a phone number here for Sofia. Did you wanna provide, like, a phone number and email in fact we couldn't reach you to reach out to her at any point?\n\nChannel 1: Yep. It is 0459\n\nChannel 0: Yep.\n\nChannel 1: 323666.\n\nChannel 0: Was it 323? Sorry. It cut out there a little bit.\n\nChannel 1: 323666.\n\nChannel 0: Perfect. As I said, that's just the email that we couldn't reach you for whatever reason. And is it still just the two dependents at home?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And as far as your role goes there, Andrew, are you doing maintenance work there and you're self employed? Are you still doing that role?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And as far as, like, job duties at the moment, are you still, like, a 100% out in the the field with that one? Do you have a few people? Do you do a bit more office admin work these days?\n\nChannel 1: No. It's still one man band. So it's stopped. So baby to field work, baby to work on the computer.\n\nChannel 0: 30. Probably like a seventy thirty sort of split of, like, out there actually doing the work and then 30% having to deal with the invoices afterwards.\n\nChannel 1: Probably probably in 8020.\n\nChannel 0: A '20. K. And then as far as a name that you've\n\nChannel 1: Oh,\n\nChannel 0: given your your business there, have you got that sorted yet? Because we didn't have one the last time you spoke to us.\n\nChannel 1: really?\n\nChannel 0: Or maybe they just didn't track it down. They and instead the a few\n\nChannel 1: Andy\n\nChannel 0: of the old.\n\nChannel 1: Mann NT.\n\nChannel 0: Perfect. And as far as hours per week that you're doing, you're doing like a standard work week. Obviously, it's your own, you know, own show. You're probably doing a bit more, but is the average week around the forty, forty five hours sort of thing?\n\nChannel 1: Yeah. Probably about thirty five forty because I'm only doing it for four days on on tools, one day at home with my son and doing quoting and other stuff while he sleeps.\n\nChannel 0: Okay. Yep. Perfect. And how long have you been doing that sort of industry of, like, the maintenance work, if you don't mind me asking?\n\nChannel 1: What are we now? About six years in this in being self employed. It was mid nineteen nine mid twenty twenty nineteen that I started.\n\nChannel 0: Yep. And prior to that what were you doing prior to that? Sorry. Just because we haven't spoken.\n\nChannel 1: Construction.\n\nChannel 0: Construction. And you're not doing any work above 12 meters at the moment, are you?\n\nChannel 1: No.\n\nChannel 0: Not dealing with any hazardous materials, not, like, doing any asbestos removal, things like that?\n\nChannel 1: No.\n\nChannel 0: Great. And as far as income's concerned, I know your pay is up around 75 per annum the last time you spoke to us there? Is that sort of similar or has that changed?\n\nChannel 1: Gross or take home? Gross or after before after\n\nChannel 0: You can just do the the gross and you can let us\n\nChannel 1: tax?\n\nChannel 0: know the net if you'd like.\n\nChannel 1: Probably about a 100 gross, just off the top of my head.\n\nChannel 0: Yep. And do you pay yourself any sort of dividends or anything like that from the business?\n\nChannel 1: Sorry?\n\nChannel 0: Do you pay yourself any sort of, like, dividends being the business owner and things like that? Or, like, it you're it's fully under, like, self employed. It's not a company?\n\nChannel 1: No. It's not a company.\n\nChannel 0: Okay. So sole sole trader. Perfect. And as far as, like, expenditure versus savings per week, do you know roughly sort of what your ins and out goings feel like the home budget is looking like at the moment?\n\nChannel 1: Oh, not at the top of my head. No.\n\nChannel 0: Is there an amount you sort of roughly try to put like in an offset account or savings per week?\n\nChannel 1: Not at the moment. We just we've got a young child. Her wife's\n\nChannel 0: Yeah.\n\nChannel 1: still on mat leave, but everything's going to pay off whatever the bill's the most pressing at the time.\n\nChannel 0: No. Completely understandable. Obviously, the cost of living at the moment, it's not too easy at the best of times. Having a younger family makes that a little bit harder there as well.\n\nChannel 1: Yep.\n\nChannel 0: Understandable. And as far as contributions go, I know you weren't, like, currently for the last, like, the last few years contributing to your superannuation. Have you decided to, you know, maybe review that in future? Or\n\nChannel 1: Yep. Did that. And so what I have been doing is I have been putting 20% of all invoices that come in aside for GST and then for the super.\n\nChannel 0: Yep.\n\nChannel 1: But due to the current financial crisis that's going on at my house, I've\n\nChannel 0: Yep.\n\nChannel 1: had to just strip that all away and pay off the most pressing thing. But, yeah, generally, it's definitely my practice that this year I'm gonna start adding in.\n\nChannel 0: Yep. Perfect. And then will you be doing that, like, through your your account? Do you plan on doing it, like, just lump sum at the end of the year when you do, like, you sorta tax return around that sort of time?\n\nChannel 1: When once everything's up to date, I will be doing you know, paying off my quarterly GST, and then whatever's left in that account will be paid into super.\n\nChannel 0: Perfect. There's a few ways you can sort of do it as well. Obviously, you can speak to your accountant on how you sort of want to do it. But with that, you can obviously just, like, chuck it in because you're a sole trader. Obviously, all your income's considered, like, take home income under the business, and super is not a a deduction there for you.\n\nBut in saying that you can sort of just chuck it in, like, after tax money and then go to claim a notice of intent at the end of the year with your account.\n\nChannel 1: Yep.\n\nChannel 0: The\n\nChannel 1: Yep.\n\nChannel 0: with that, though, obviously, money going in after tax to your superannuation because fees and everything like that are, like, deducted proportionately. It will affect the amount that you can actually claim unless you claim your notes of intent each quarter when you put that money in, or you could look to sort of do it through some sort of accounting software with your account that makes it go in through SuperStream. So like any other pay PAYG or sort of salary sacrifice type payment.\n\nChannel 1: Yeah. Right. I'll I'll get up my account about that when time comes.\n\nChannel 0: Perfect. If you do wanna have it, like, discussion or anything like that, obviously, you know, they're probably better suited to let know what way they do it for tax purposes. But we can sort of just give you some more general information if you ever sort of wanna have a chat about it, but that's more than fun.\n\nChannel 1: Yes.\n\nChannel 0: As far as the assets and liabilities go, I had here you had the the three cars and then the house at the moment now. With the three cars, I had the combined debt value around 80,000 85,000. Is that sort of changed much at all? Have you sold any of those\n\nChannel 1: It's\n\nChannel 0: cars?\n\nChannel 1: gone down to two it's gone down to two cars, but\n\nChannel 0: Yep.\n\nChannel 1: it combined The combined well, work is probably the same.\n\nChannel 0: And which car did you get rid of? Was that the $7,000 car?\n\nChannel 1: I've got rid of the truth. What cards you got down?\n\nChannel 0: I've just got car written three times. There's no actual make or model here because we didn't speak the last time. I'm not too sure because I've got the the one worth a 100,000, which I'm pretty sure would be a work vehicle.\n\nChannel 1: Yep.\n\nChannel 0: Is that like a Hilux, or is that like\n\nChannel 1: Yep.\n\nChannel 0: a Land Cruiser? Hilux?\n\nChannel 1: Yep.\n\nChannel 0: 30. And then they have a car worth around the 30,000 mark with something listed,\n\nChannel 1: Yeah.\n\nChannel 0: what car\n\nChannel 1: That's\n\nChannel 0: do\n\nChannel 1: fine.\n\nChannel 0: you think that oh, sorry. What was that?\n\nChannel 1: That's the one that went around 13,000.\n\nChannel 0: 30,000? Sorry?\n\nChannel 1: Yeah. That's the one that went.\n\nChannel 0: Yep. And then there's one around there. 7,000 what make is that one? Is that like?\n\nChannel 1: Yeah. No. We still got that. That's the wife's car. And this the department's car.\n\nYep.\n\nChannel 0: Yep. And\n\nChannel 1: Yep.\n\nChannel 0: then\n\nChannel 1: That's\n\nChannel 0: as as far as the debt value goes, you know how much is owing on the the Hilux and the your partner's car?\n\nChannel 1: Our ring would probably be about 40,000.\n\nChannel 0: Yep. And is that loan solely attached to your like the work car?\n\nChannel 1: It's a equipment line through through NAB. So it's just through my business. Not\n\nChannel 0: So\n\nChannel 1: my business.\n\nChannel 0: it's it's not a car loan. It's just an equipment loan?\n\nChannel 1: Equipment line. Yeah.\n\nChannel 0: Yep. Yep. And as far as what's left owing on the house at the moment, do you know roughly what\n\nChannel 1: Yeah. 5\n\nChannel 0: it's 7\n\nChannel 1: hundred thousand.\n\nChannel 0: 500. It's going up a little bit. Is that because of the renovations you were doing?\n\nChannel 1: Yeah. It's refinanced. Yep.\n\nChannel 0: Yep. And how much is the value of that one sitting at at the moment?\n\nChannel 1: Alright. It'd be probably around 1,000,000. Okay. There's definitely been other houses sold in the area that have been getting the high eights that are nowhere near as good as this house. And I've\n\nChannel 0: Yep.\n\nChannel 1: had a quick conversation with the fellow that I do work for who's a real estate agent, and he sort he used to think it'd be around 1,000,000 at the moment.\n\nChannel 0: Perfect. Obviously, it doesn't matter, like, a whole heck. So that you after you do your renovations, you plan on jumping ship right at the moment, but good\n\nChannel 1: No.\n\nChannel 0: to know that you've added a bit of value to the home. So that's good. And you've refinanced to get the benefit of the the loan, which is good as well.\n\nChannel 1: Yep.\n\nChannel 0: As far as any other assets and liabilities that we're not really aware of, is there anything else that\n\nChannel 1: No. Not\n\nChannel 0: that\n\nChannel 1: really.\n\nChannel 0: have yep. Do you have a little bit in, like, an offset account or a savings account that you're sort of trying to obviously, you know, the cost of living is a bit rough, but trying to have a bit of a cash buffer in?\n\nChannel 1: No. I'd like to, but we're on a week to week basis at the moment.\n\nChannel 0: Yep. No. Definitely understandable. Hopefully, things ease once your sort of partner gets to go back to to work a little bit as well there. Now apologies for these questions if you answered these previously as well.\n\nSo they'd sort of bumped up the the the workbook a little bit, and there's a few sort of other copies. So it's not all consolidated, but you've never declared bankruptcy or a partner on debt agreement, have\n\nChannel 1: No.\n\nChannel 0: And as far as health goes, are you currently smoking, nonsmoking?\n\nChannel 1: Sounds like me.\n\nChannel 0: Right. And your health's been largely well for the the past year. No unexpected health changes, injuries, hospital trips?\n\nChannel 1: Everything's pretty good?\n\nChannel 0: Right. Good to hear. No medications at the moment?\n\nChannel 1: No. Only for ADHD, but that's not really for health. That's more mental health medication.\n\nChannel 0: Yeah. The the reason I asked these questions because obviously you've got insurances through Neos there as well. So we just like to make sure that, you know,\n\nChannel 1: Yep.\n\nChannel 0: if anything does changes because, you know, you can with the policy if your health is largely unchanged, look at rewriting things like that. If certain\n\nChannel 1: Yep.\n\nChannel 0: things do pop up, they're likely to be exclusions on newer policies. So we just like to make notes of them just in the event, you know, we do look at rewriting, so that's fine. And do you have private health cover at the moment?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Is that hospitals and extras or just\n\nChannel 1: Hospitals and extras. Yeah.\n\nChannel 0: and I know you've got your beneficiary and forms in place with your partner, but have you managed to get around to setting up a will at all?\n\nChannel 1: I've got an older wheel.\n\nChannel 0: Does\n\nChannel 1: So\n\nChannel 0: that\n\nChannel 1: they're\n\nChannel 0: include the your youngest child?\n\nChannel 1: just it was before in children, and it's written to any dependents.\n\nChannel 0: Okay. No problem. So it probably does need to to have a little bit of a refresh that and, like, with conjunction,\n\nChannel 1: Alright.\n\nChannel 0: like, setting up things with power attorneys, things like that.\n\nChannel 1: Yep.\n\nChannel 0: Obviously, being a huge de facto partner, sometimes you plan on getting married as well in sort of the near future. Obviously, marriages\n\nChannel 1: No.\n\nChannel 0: do okay. Not\n\nChannel 1: No.\n\nChannel 0: married people. Yeah. Okay.\n\nChannel 1: That that cost way too much money. We're not getting married.\n\nChannel 0: Completely understandable. You know, obviously, there's there's a courthouse weddings, but, you know, they're not too much funds.\n\nChannel 1: No.\n\nChannel 0: There's not really a point to it at that point, is there?\n\nChannel 1: There's there's no we're still we live with each other long enough that it doesn't really matter if you've got the ring on it or not. That's just if you separate, the same same happens.\n\nChannel 0: Exactly. You just gotta forecast $30 to pay for the meals with a bunch of people you probably don't wanna see anyway.\n\nChannel 1: Yep.\n\nChannel 0: So understandable. Obviously, there's the estate planning side of things, setting up a will power to any things like that. That's obviously important with having the young family. This one's a bit random too, but you're not a tax resident for any other jurisdiction other than Australia at the moment? Yep.\n\nAnd you or your family don't partake in any sort of politics or anything like that, do you?\n\nChannel 1: No. What was that?\n\nChannel 0: Yeah.\n\nChannel 1: Sorry.\n\nChannel 0: Politics? You're not involved in any sort of politics, local or otherwise, or any family members that\n\nChannel 1: No.\n\nChannel 0: are involved?\n\nChannel 1: No. No. Only in only in the on the around the dining table.\n\nChannel 0: Yeah. No. I completely understand. I know it sounds a bit random, obviously, in regards to, like, certain any money laundering legislation. It's just important that we sort of know who is politically exposed and then also, you know, if they're doing dodges, if someone's getting $30.30 grand regular contributions to, like, an investment account and they don't know where the money's coming from, those are sort of things we need to look out for, which obviously doesn't apply to you.\n\nSo that's fine. Find me a little bit less. As far as goals that you're working towards there, Andrew, is there anything in the short term, obviously, other than, you know, just focusing on the young family at the moment, making sure everything's sticking along that you're sort of working towards? I know your main thing was doing the the renovations there, but is there anything else that you're sort of working towards as a goal?\n\nChannel 1: Can't think of it at the moment. It's just sort of trying to make sure we're we've got a\n\nChannel 0: Yep.\n\nChannel 1: heads about water. And then once that sort of settles down, then we can sort of think along.\n\nChannel 0: Completely understandable. So main goals for would just be paying down the debt, focusing on the young family.\n\nChannel 1: Yeah. That's right.\n\nChannel 0: Right? As far as insurances are concerned, we see we do like to, you know, just double check and see how you feel about them. You do have the income protection cover there that only covers for the monthly benefit around the 2,400. Now\n\nChannel 1: Yep.\n\nChannel 0: with your income increasing to that, like, a 100,000 mark, you cover up to 70% of, like, your income as, like, a monthly benefit amount for income protection. Now given that when you first took out the policy, your income was quite low in terms of, like, what your business was making\n\nChannel 1: Yep.\n\nChannel 0: because I believe you were just starting out. So 70% of, like, your 100,000 would be seen in, like, the 5,800 in terms of, like, a monthly benefit.\n\nChannel 1: Yep.\n\nChannel 0: So currently, yeah, you're about half that in terms of, like, what you're actually covered for and the that anything did go wrong. And then, obviously, I think about taxes, things like that. As far as the life and total disability portions, you do have more than enough to cover your current debts and then a\n\nChannel 1: Yep.\n\nChannel 0: little bit on top, say, if you were not able to work or draw an income to be able to sort of live off that in any sort of government assistance programs you may be eligible for. But do you feel like that's something you wanna review at this stage with your income protection cover, or is that something like, given how things are at the moment, you just wanna\n\nChannel 1: Yeah. I probably\n\nChannel 0: put off?\n\nChannel 1: need to sit down and review it. I think once I get this year's performance and everything in, I should sit down and have a good proper review on it. But, yeah, I haven't really thought of it much of late. But, yeah, you're right. I do need to have a proper look at it.\n\nChannel 0: Yeah. Because for us to revisit underwriting again, we'd put you through a post of what's called that pre assessment again, just where we ask a little bit more about your occupation and health. And then we just\n\nChannel 1: Yep.\n\nChannel 0: go off to the insurers, see how they'll rate you in terms of, like, your occupation and then also in regards to your health. Now being a handyman, unfortunately, isn't, like, the best rated occupation just due to, like, the odd jobs that you can do. So they kinda just rate you at the worst of what you're sorta able to do, which as a handyman, you can kinda do a bit of everything. So it's not fantastic.\n\nChannel 1: Yes.\n\nChannel 0: Health wise, I'm not too sure what would count less that during the pre assessment, but then you would be able to see sort of what they'll offer cover out, what pricing, things like that as well. And if we have to do look at retaining your current policy and then some top up things like that, that's all options there as well.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: In saying that with, hey. Is that something you wanna potentially, like, do the pre assessment now and get that started? Because another thing we were looking at potentially doing there, I'm not too sure if you've, you know, had a look at the the markets, your portfolios, what's been happening, but there's a actively managed portion in your portfolio called Benelung. Now that Benelong fund did have an underlying investment. Makes out about, like, it was 15%, but now it's closer to the 10% of your portfolio.\n\nIt's an actively managed fund. One of their underlying investments, corporate traveler, got done for not doing their accounting correctly. But if\n\nChannel 1: Yep.\n\nChannel 0: you're doing a few dodgies, it caused them to be put on a trading halt. Their corporate traveler investment made Benelon have to reevaluate that stock. And as a result of that, it caused Benelon share price to take a bit of a dive in addition to losing a bit of consumer confidence there as well. So we were looking at removing phenolong. There's a few options there.\n\nWe can look to remove it with an active portion again and have another managed fund that tries to outperform the market, or we can look to just go passive with that investment and then have that to where it just follows the indexes much like the rest of your portfolio, which can also just reduce the the overall cost of investing. Given\n\nChannel 1: Yep.\n\nChannel 0: that it is a minor portion of your portfolio or lesser sort of satellite portal, like performance piece. It hasn't affected your performance too much in terms of what the return you did receive for the year. So over the past twelve months, they still did around 11.4% even with all the world wars and everything going on, which isn't too bad at all. But in saying that as well, the Benelong did go back around 19% in that time period with that dip that did occur with that announcement.\n\nChannel 1: Yep. Yeah. I think I like, I just yeah. I need to have a look at everything, all the performances from this year and sit down and, like, spend a few hours going through it all before I make any decisions on on anything future.\n\nChannel 0: Because as I said, like, the rest of your portfolio is performing quite well. It's just an active portion.\n\nChannel 1: Yep.\n\nChannel 0: As a business, they are moving away from that. So the options are is obviously just find an alternative passive replacement or an active replacement just to, like, knock out that 15% essentially of that. I'm happy to sort of even just give you a bit of time with everything following today and book in for maybe a three month follow-up when things fell down a little bit maybe for you, and then sort of we can go over it then because you've made the loss now, and it's not the hugest portion of your portfolio. And then maybe you'll have a bit more time to go over the insurance matters there as well\n\nChannel 1: Well,\n\nChannel 0: and do a\n\nChannel 1: look,\n\nChannel 0: review\n\nChannel 1: it\n\nChannel 0: of that.\n\nChannel 1: is the and when you say active and passive, so your active is more of a high risk sort of investment, and your passive is just something that's gonna tick along and not really lose or gain too much. Is that correct?\n\nChannel 0: Not in so many words. So with that, your allocation to, like, growth assets. So if you have a passive or an active, you're still invested in things like shares, which are all, like, considered growth assets.\n\nChannel 1: Yep.\n\nChannel 0: The the more risk comes from having the manager itself. So when it's passive, you still have the same exposure to growth assets. You're just tracking, like, an industry. So, like, the S and P 500 is the top 500 companies in America. It's, like, fluctuates in the sense that if a company, you know, gets skyrocketed out and they jump in that top 500, you'll hold it as an investment.\n\nIf they crap the bed and fall out of that, you'll lose that investment in terms of holding it in your portfolio. Whereas the the fund manager itself builds a portfolio based on what they believe is, like, market value, whether\n\nChannel 1: Yep.\n\nChannel 0: that's to be, like, they see equity in the the company, market share in the company. They think it's, like, a valued under you know, undervalued stock. They're the ones that do the picking and choosing, whereas the industry does that for you just based on a set of metrics, whether that's, like, market cap size. There's a few other industries that do it based on, like, other metrics, but,\n\nChannel 1: Yep.\n\nChannel 0: essentially, they stick to their metric. They just go with the metric, whereas a manager basically is picking winners. And then when they get it wrong, obviously, it doesn't go too great. When they get it right, they outperform the market. So that's where you get that, like, alpha generation where you can outperform what the market is doing by picking a few of those more top performing companies.\n\nChannel 1: Yep. Alright. So yeah. Well, it's not a big portion of the portfolio. Maybe just change it up to a active.\n\nChannel 0: Another active? Yeah. No. That's\n\nChannel 1: Yeah.\n\nChannel 0: fine. As I said, yeah. So a lot majority of your portfolio is that sort of passive\n\nChannel 1: Yep.\n\nChannel 0: investing, which is a lot cheaper in terms of that. The active portion, obviously, is to have that little portion that aims to outperform and do a little bit better. Obviously, it hasn't done that, but in saying that, given the the weighting of your portfolio, it hasn't affected the growth out of it too much at all.\n\nChannel 1: Yeah. I think, like, that's the way it was set up so that it was set up so that it was active a certain amount of active and passive throughout the portfolio. And if that one active is being put on hold due to circumstances beyond control, it's probably best to change it up and keep it active.\n\nChannel 0: Not a problem at all. Definitely can do that. In terms of updating that advice, please, did you wanna go through the pre assessment process and start that as well for your insurances now as well? Is that something you wanna address at\n\nChannel 1: Not\n\nChannel 0: a later\n\nChannel 1: not yet. I'll I'll revisit that. I'll spend a bit of time hopefully in the next couple of weeks in the evenings going through all my super and just seeing where everything's at. You know, it's just so I can sort of have a good look at the of it on paper screen slash screen, I should say, and then revisit that. Probably, maybe in a in three months is probably a good time to revisit that.\n\nIt'll sort of give us an idea of what's going on with the world as well.\n\nChannel 0: Alright. I'll add it to the the pile in the sense that they'll, like if they get to it within that three months, at the sort of bottom of the list due to the fact that we are having another conversation, you're just going away and\n\nChannel 1: Yep.\n\nChannel 0: having to think about things. If they have it done before, that's fantastic. If not, we'll touch base then and get the ball rolling a bit quicker,\n\nChannel 1: Yep.\n\nChannel 0: and then we can touch on the insurance matters there as well. You don't currently have trauma insurance as well, which I'm not too sure how much you remember of that from the conversation that may have happened, you know, five years ago. But that's that insurance that covers the things like heart attacks, strokes, traumatic events that may not fall under, like, your total permanent disability income protection style covers.\n\nChannel 1: Yep.\n\nChannel 0: And in in saying that is a cover that has to be paid out of pocket. So given the the cash flow at the moment, probably not fantastic until, you know, giving it a bit of a three month wait. But in saying that, it is something to consider, and we can have a bit more of a discussion around that a bit later as well if you'd like to see if you'd tell me if you're interested in seeing at least the pricing around.\n\nChannel 1: Yep. Yeah. Cool. Yep. Well,\n\nChannel 0: Not\n\nChannel 1: I'll consider that as well.\n\nChannel 0: perfect. Now I'm just gonna do a quick risk profile there just to make sure that everything lines up with what we currently got you invested in just to to make a note of it. And as an we'll we'll leave it for the the three months anyway. But you are currently in that higher growth portfolio, and that's about a ninety ten split. So a ninety ten split in that sense that you have 90¢ growth type assets and about 10% more defensive like fixed interest.\n\nYou know? Gold is considered a bit more of a growth asset at the moment just the way it's been performing, but you could also consider that a little bit to be defensive in the sense that during market downturns, it tends to go up in price a bit as well.\n\nChannel 1: Yep.\n\nChannel 0: Have you made any direct share investments since we sort of last spoke at all there, Andrew?\n\nChannel 1: Nah.\n\nChannel 0: Yeah. Not a problem at all. And then with the cost of living and inflation and, you know, how much everything is going up, are you willing to take on still a more moderate to high amount of risk to try and outpace that inflation to make sure your money is still growing?\n\nChannel 1: Yeah. I think so.\n\nChannel 0: Perfect.\n\nChannel 1: You\n\nChannel 0: And\n\nChannel 1: guys are you guys are watching America very closely at the moment, I hope.\n\nChannel 0: it's it's one of those things that you couldn't guess it if you wanted to, what they're gonna\n\nChannel 1: No.\n\nChannel 0: do next.\n\nChannel 1: That's crazy.\n\nChannel 0: Yeah. It's it's kind of just like the, you know, the the morning coffee cooler talk at the moment. It's just it's crazy kind of what is occurring each sort of day. It's like it's almost like you need a bingo card, but it's for the worst possible outcomes at the moment. So in saying that, though, war tends not to have, like, the like, a a major major downturn effect on market as things like terrorist attacks and things like that do.\n\nObviously, it does cause a lot of fluctuation, a lot of short term volatility, but in terms of, like, market rebound, it tends to be a lot smoother than other sort of world events as well. So as long as it doesn't evolve into, you know, World War three, the current walls, although they are having quite the effect on the markets currently, hopefully, is a bit more short lived much like the the Trump tariff announcements that occurred at the start of last year that caused\n\nChannel 1: Yep.\n\nChannel 0: the markets to have a bit of haywire as well.\n\nChannel 1: Yeah.\n\nChannel 0: But in saying that, if you did sort of change up your investments and six months after that dropped by 20% just due to, like, market trends there, like, you know, the war continues as another announcement, things like that, would you still hold your investments and wait for the long term for for those to recover?\n\nChannel 1: You know, I think if there's all these companies that aren't gonna go anywhere, I think calling out for recovery is the best idea in my limited financial knowledge.\n\nChannel 0: Yeah. And if\n\nChannel 1: You\n\nChannel 0: anything,\n\nChannel 1: know?\n\nChannel 0: would you still, like, put contributions into your super during those time frames when the markets are down?\n\nChannel 1: I hadn't really thought of that. I will be trying to put them in regardless because at the end\n\nChannel 0: Yep.\n\nChannel 1: of the day, any contributions is better than no contributions.\n\nChannel 0: Yeah. And in terms of that, like, it can be, like you said, if it's companies that you have faith in returning in terms of their value and they've just lost it on paper, you don't typically lose until you're actually sold out of something. So in saying that with all those dips at the market, it doesn't matter until you're, like, a retiree, basically, and looking to, you know, get a chunk of your money out. Otherwise,\n\nChannel 1: Yep.\n\nChannel 0: everything else is just on paper. So at that time, you know, that is occurring, and the prices are down. If you're putting money still into your superannuation, you're getting those stocks at a lower price. So when they do at some point, return unfortunately, you know, you've got a fair bit of working life left behind you. There's plenty of time for those to return and then grow by then some.\n\nChannel 1: Yep.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And then with, like, COVID and things like that, when you you super did take a little bit of a hit there, did that make you, like, concerned at all, or you're just a little bit cautious of what's going on but not too fast?\n\nChannel 1: Not too fast. I think, you know, so long as it does doesn't all dip down when I'm 64 years age of age, there's not much I can really do about at this stage. You know, it's the long game rather than the short game.\n\nChannel 0: Exactly. And then opposed to the current loan you do have for, like, property and business equipment, would you ever put borrowed money into, like, an investment property, any sort of other investments at a later date? Sort\n\nChannel 1: Yeah.\n\nChannel 0: of, you know, I think\n\nChannel 1: We're hoping to look at that once my partner's back at full time work so that we can actually look at refinancing again and then getting some of the equity out and refinancing into and reinvesting into either property or investment.\n\nChannel 0: Yep. And\n\nChannel 1: So\n\nChannel 0: then with that, that's obviously something we can help you with. And then if you don't have well, obviously, you've probably got a mortgage broker or you're just doing it through the bank, but we do have a few mortgage brokers here as well if you'd like to have a chat with them and\n\nChannel 1: Yep.\n\nChannel 0: see what their sort of views are and see if they can get you a sort of better loan as well, if that's something you wanna do opposed to maybe just going with your your bank if it's just through never things like that.\n\nChannel 1: Yeah. No. I've got we've got a broker that we've been using.\n\nChannel 0: Okay. Perfect.\n\nChannel 1: He's he's usually pretty good.\n\nChannel 0: Great. And then in regards to those reports as well, obviously, they'll send out a copy of, like, your reports when they send out the AR pack in that. They'll do, like, a twelve month report, which as I said, they're sitting around the sort of 11.4% at the moment, which is, you know, great considering everything that is happening. I can let you know sort of as a a rolling return of sort of average what you've achieved since you've been onboard is sitting around the the 9.01% after fees in terms of return that you have gotten averaged out since the time you've been onboard yearly,\n\nChannel 1: Yeah.\n\nChannel 0: which\n\nChannel 1: That's that's\n\nChannel 0: is,\n\nChannel 1: pretty good.\n\nChannel 0: yeah, a really nice sort of track record of solid returns after fees, obviously, that is, you know, occurring there. And given that you aren't really contributing there at the moment, it's really quite nice growth that is going in.\n\nChannel 1: Yeah. Yeah. Yeah. We have been we I have been also considering using super to buy investment properties as well, like going to a self managed. What's your\n\nChannel 0: Yep.\n\nChannel 1: thoughts on that?\n\nChannel 0: With that, generally, with the cost of property at the moment and your balance, so they say between, like, 3 and 500,000. Obviously, you know, if you linked up with your partners or whatnot, you might be able to reach that amount. But they say between the 3 and 5 is where you can sort of maybe consider it, but then saying that it depends on, like, the property and what you're trying to invest in as well. Most sort of specialists say anywhere between, like, the $507,100,000 dollar mark, a normal sort of retail or industry fund can compete with the returns that do get in your self made super funds just based on the fact that the cost of running them is a lot higher than having, like, a standardized super or or, like, a retail rep platform. And\n\nChannel 1: Yep.\n\nChannel 0: then, obviously, a lot more compliance with you yourself and your responsibility to manage that being a self managed super fund. And then\n\nChannel 1: Yep.\n\nChannel 0: it becomes a lot more concentrated in terms of, like, your risk. So you take all your, you know, diversified ETFs, and you'd be putting them all into, like, one basket, which is that property. You know, it could, you know, get struck by, you know, a cyclone, could be damaged, poor tenants, things like that. And then you've got to think about your time to retirement and drawing down on that superannuation. Like, I'm\n\nChannel 1: Yeah.\n\nChannel 0: not trying\n\nChannel 1: Right.\n\nChannel 0: to talk you you out of it, but, you know,\n\nChannel 1: No. No.\n\nChannel 0: you're taking\n\nChannel 1: No. That's\n\nChannel 0: on another\n\nChannel 1: that's exactly why I asked you. You know? Like, it's\n\nChannel 0: yeah.\n\nChannel 1: it's all about other people's thoughts and views on this situation rather than getting anyone to try and talk me out or talk me into it. You know?\n\nChannel 0: Yeah. And then, yeah, the the other main thing there as well is it's a thirty year loan most likely. And then if you don't have, like, a separate, like, investment portfolio within that and you hit, you know, sixty, sixty five, and you're start drawing down some of those funds, if you've only got a loan attached and the the rental's not even covering the loan, you know, you've gotta bridge that somewhere, and you've either gotta keep putting money in, keep working, sell the property, and then you're sort of back to to square one of having to reinvest that money. And then you've either gotta switch back to a super fund or you've gotta a look at, you know, just maintaining a self made super and paying those administration costs and audits just to have basically cash invested in shares and stocks,\n\nChannel 1: Yeah.\n\nChannel 0: which is something to be mindful of as well.\n\nChannel 1: Alright. Cool. That's that's good good information.\n\nChannel 0: Yep. Obviously, if you want, like, a little bit more, happy to have a bit more of a chat around it. You can also look up things on the ATO that I think things like that. They do release, like, reports on them and stuff as well. They actually are\n\nChannel 1: Yep.\n\nChannel 0: tracking down a little bit in the sense that, you know, some people really just want them and some advisers just go along with it and recommend it, and it really just isn't putting clients in a better position. So a bit bit\n\nChannel 1: Yes.\n\nChannel 0: more wary about it and saying making sure that it will do. Obviously, you know, if you go in with, you know, your partner and you're looking at, like, a $500,000 property, you still lack of diversification. It comes like it still can be a lot more affordable and things like that as well. But, yeah, it all just depends on the situation, but there are a lot more sort of risks as well to it.\n\nChannel 1: Yeah. Alright. Cool.\n\nChannel 0: Not a problem. Is there anything else you wanna chat about there, Andrew, in regards to anything at all?\n\nChannel 1: Not at the moment. I think that's pretty good at this point in time. Yeah. I haven't got anything more on the top of my head. So yeah.\n\nNo. All good.\n\nChannel 0: So is it as I said, I'll sort of start a note on this just so they can start the research a bit falls. You know, they've run out of work, which are are down at the moment. There is a bit of a backlog, but then I'll chuck you down for a three month follow-up, and then we'll really get the ball sort of rolling there just to do that little update with Benelon. In that time frame, we never know. They might sort of make a bit of recovery as well and recoup a bit of that loss.\n\nBut if you're happy with that 15 or more 10% now just riding at the moment while you sort of sort a few things out, and then we can discuss your insurances and the investments a bit more at that later date.\n\nChannel 1: Sounds good.\n\nChannel 0: Crazy, mate. Well, you enjoy the rest of your day. Thanks for your time, and I'll talk to you shortly, I'm sure.\n\nChannel 1: Alrighty. Thanks very much.\n\nChannel 0: No problem, Andrew. You enjoy the rest of your day. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.76,"sentiment":"neutral","sentiment_score":0.016743680462241173},{"text":"Eddie speaking.","start":1.76,"end":2.58,"sentiment":"neutral","sentiment_score":0.026630979031324387}],"sentiment":"neutral","sentiment_score":0.023335212841629982,"channel":1,"num_words":3,"start":1.28,"end":2.58},{"sentences":[{"text":"Good afternoon, Andrew.","start":3.04,"end":3.76,"sentiment":"positive","sentiment_score":0.38658639788627625},{"text":"It's Carl calling from Oakview Financial.","start":3.76,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.236336978773276},{"text":"How are you today?","start":5.3599997,"end":6.18,"sentiment":"neutral","sentiment_score":0.25485922396183014}],"sentiment":"neutral","sentiment_score":0.2767090740112158,"channel":0,"num_words":13,"start":3.04,"end":6.18},{"sentences":[{"text":"Good day, sir.","start":6.48,"end":7.46,"sentiment":"positive","sentiment_score":0.4735475480556488}],"sentiment":"positive","sentiment_score":0.4735475480556488,"channel":1,"num_words":3,"start":6.48,"end":7.46},{"sentences":[{"text":"That's good to hear.","start":7.7599998,"end":8.48,"sentiment":"positive","sentiment_score":0.7351897656917572},{"text":"I just scheduled in for you and your review.","start":8.48,"end":9.84,"sentiment":"positive","sentiment_score":0.43556514713499284},{"text":"Is Nestle a good time for you?","start":9.84,"end":11.38,"sentiment":"neutral","sentiment_score":0.2963428241865976}],"sentiment":"positive","sentiment_score":0.44676225781440737,"channel":0,"num_words":20,"start":7.7599998,"end":11.38},{"sentences":[{"text":"Yep.","start":11.679999,"end":12.179999,"sentiment":"neutral","sentiment_score":0.22645053267478943}],"sentiment":"neutral","sentiment_score":0.22645053267478943,"channel":1,"num_words":1,"start":11.679999,"end":12.179999},{"sentences":[{"text":"Perfect.","start":12.975,"end":13.295,"sentiment":"positive","sentiment_score":0.4533012509346008},{"text":"Not a problem at all.","start":13.295,"end":14.255,"sentiment":"positive","sentiment_score":0.37960849404335023},{"text":"Just to get started on that one, Andrew, if I could pass you to security, just that name, date of birth, and current address, we can get stuck into that one today.","start":14.255,"end":20.195,"sentiment":"neutral","sentiment_score":0.2423974764533341}],"sentiment":"neutral","sentiment_score":0.2660016570436327,"channel":0,"num_words":38,"start":12.975,"end":20.195},{"sentences":[{"text":"Yep.","start":20.275,"end":20.775,"sentiment":"neutral","sentiment_score":0.04211115092039108},{"text":"28th Of The 1st 1979 And 53 Glencoe Crescent Seaweed.","start":21.074999,"end":26.615,"sentiment":"neutral","sentiment_score":0.0271535886451602}],"sentiment":"neutral","sentiment_score":0.02851336703381755,"channel":1,"num_words":11,"start":20.275,"end":26.615},{"sentences":[{"text":"Perfect.","start":27.630001,"end":27.87,"sentiment":"positive","sentiment_score":0.4039868116378784},{"text":"Thank you.","start":27.87,"end":28.27,"sentiment":"positive","sentiment_score":0.505212128162384},{"text":"I just let you know these calls are recorded for quality and training purposes there as well.","start":28.27,"end":31.810001,"sentiment":"neutral","sentiment_score":0.17780306277906194},{"text":"Now","start":32.27,"end":32.77,"sentiment":"neutral","sentiment_score":0.021374747157096863}],"sentiment":"neutral","sentiment_score":0.21230656582684743,"channel":0,"num_words":21,"start":27.630001,"end":32.77},{"sentences":[{"text":"Yep.","start":32.58,"end":33.08,"sentiment":"neutral","sentiment_score":-0.002083834260702133}],"sentiment":"neutral","sentiment_score":-0.002083834260702133,"channel":1,"num_words":1,"start":32.58,"end":33.08},{"sentences":[{"text":"I don't believe we have spoken before, Andrew.","start":32.99,"end":35.15,"sentiment":"neutral","sentiment_score":-0.11019166465848684},{"text":"I'm one of the financial advisers here at Oakview Financial.","start":35.15,"end":38.204998,"sentiment":"neutral","sentiment_score":-0.010829912312328816},{"text":"If you wanted to see me or the rest of the team that's here at the moment, they have updated the website there.","start":38.204998,"end":43.085,"sentiment":"neutral","sentiment_score":-0.0005090667501739833},{"text":"You can see the most up to date financial services guide and Oakview services guide there as well with a few business updates that they've done if you'd","start":43.085,"end":49.405,"sentiment":"neutral","sentiment_score":0.050629688869646215}],"sentiment":"neutral","sentiment_score":0.006030294387027675,"channel":0,"num_words":69,"start":32.99,"end":49.405},{"sentences":[{"text":"Yep.","start":49.365,"end":49.865,"sentiment":"neutral","sentiment_score":0.015673257410526276}],"sentiment":"neutral","sentiment_score":0.015673257410526276,"channel":1,"num_words":1,"start":49.365,"end":49.865},{"sentences":[{"text":"like to have a look at those as well.","start":49.405,"end":51.06,"sentiment":"neutral","sentiment_score":0.05029825493693352},{"text":"I know","start":51.620003,"end":51.940002,"sentiment":"neutral","sentiment_score":-0.008750461041927338}],"sentiment":"neutral","sentiment_score":0.039562124758958817,"channel":0,"num_words":11,"start":49.405,"end":51.940002},{"sentences":[{"text":"Yep.","start":51.845,"end":52.345,"sentiment":"neutral","sentiment_score":-0.007240294478833675}],"sentiment":"neutral","sentiment_score":-0.007240294478833675,"channel":1,"num_words":1,"start":51.845,"end":52.345},{"sentences":[{"text":"you've done a few of these before there, Andrew.","start":51.940002,"end":54.420002,"sentiment":"neutral","sentiment_score":-0.01142328760276238},{"text":"So I'll try and make it as short and sweet as possible as I can for you.","start":54.420002,"end":57.7,"sentiment":"neutral","sentiment_score":0.11568567244445577},{"text":"We'll run through and do some updated track fund information, a risk profile, make sure that's up to date.","start":57.7,"end":62.440002,"sentiment":"neutral","sentiment_score":0.07970773291430976},{"text":"I'll run through sort of what's occurred over the last twelve months.","start":62.5,"end":65.595,"sentiment":"neutral","sentiment_score":0.028413056551168363},{"text":"And then from there, the team will send you out to see a new review pack with the the twelve month performance, just your currency and things like that as well, if that's alright.","start":66.155,"end":73.535,"sentiment":"neutral","sentiment_score":0.07150705331279074}],"sentiment":"neutral","sentiment_score":0.06758780505221623,"channel":0,"num_words":91,"start":51.940002,"end":73.535},{"sentences":[{"text":"Yeah.","start":73.095,"end":73.595,"sentiment":"neutral","sentiment_score":0.09740304201841354}],"sentiment":"neutral","sentiment_score":0.09740304201841354,"channel":1,"num_words":1,"start":73.095,"end":73.595},{"sentences":[{"text":"Perfect.","start":75.435,"end":75.935,"sentiment":"neutral","sentiment_score":0.217953696846962},{"text":"I'll just go a few and confirm your details there.","start":76.235,"end":78.555,"sentiment":"neutral","sentiment_score":0.12003284692764282},{"text":"So are you currently still under a factor relationship at the moment or perfect.","start":78.555,"end":83.86,"sentiment":"neutral","sentiment_score":0.001451582115675722},{"text":"And still, Sofia is your next of kin contact?","start":84.479996,"end":87.22,"sentiment":"neutral","sentiment_score":-0.003702775989141729},{"text":"Yep.","start":88.479996,"end":88.64,"sentiment":"neutral","sentiment_score":-0.11438891291618349}],"sentiment":"neutral","sentiment_score":0.03688258339783975,"channel":0,"num_words":35,"start":75.435,"end":88.64},{"sentences":[{"text":"I don't have a a phone number here for Sofia.","start":88.64,"end":90.56,"sentiment":"neutral","sentiment_score":-0.16058947443962096},{"text":"Did you wanna provide, like, a phone number and email in fact we couldn't reach you to reach out to her at any point?","start":90.56,"end":95.775,"sentiment":"neutral","sentiment_score":-0.17582252621650696}],"sentiment":"neutral","sentiment_score":-0.17134221687036402,"channel":0,"num_words":34,"start":88.64,"end":95.775},{"sentences":[{"text":"Yep.","start":96.05,"end":96.55,"sentiment":"neutral","sentiment_score":-0.05683962628245354},{"text":"It is 0459","start":96.61,"end":100.15,"sentiment":"neutral","sentiment_score":0.005282361060380936}],"sentiment":"neutral","sentiment_score":-0.010248135775327682,"channel":1,"num_words":4,"start":96.05,"end":100.15},{"sentences":[{"text":"Yep.","start":100.575005,"end":101.075005,"sentiment":"neutral","sentiment_score":0.005094137508422136}],"sentiment":"neutral","sentiment_score":0.005094137508422136,"channel":0,"num_words":1,"start":100.575005,"end":101.075005},{"sentences":[{"text":"323666.","start":101.09,"end":103.35,"sentiment":"neutral","sentiment_score":0.0024477969855070114}],"sentiment":"neutral","sentiment_score":0.0024477969855070114,"channel":1,"num_words":1,"start":101.09,"end":103.35},{"sentences":[{"text":"Was it 323?","start":104.175,"end":105.215004,"sentiment":"neutral","sentiment_score":-0.003465840437759956},{"text":"Sorry.","start":105.215004,"end":105.455,"sentiment":"neutral","sentiment_score":-0.06701882183551788},{"text":"It cut out there a little bit.","start":105.455,"end":106.835,"sentiment":"neutral","sentiment_score":-0.07119185371058327}],"sentiment":"neutral","sentiment_score":-0.05234175628389825,"channel":0,"num_words":11,"start":104.175,"end":106.835},{"sentences":[{"text":"323666.","start":107.005,"end":108.784996,"sentiment":"neutral","sentiment_score":0.009980383329093456}],"sentiment":"neutral","sentiment_score":0.009980383329093456,"channel":1,"num_words":1,"start":107.005,"end":108.784996},{"sentences":[{"text":"Perfect.","start":111.87,"end":112.37,"sentiment":"neutral","sentiment_score":0.33214694261550903},{"text":"As I said, that's just the email that we couldn't reach you for whatever reason.","start":112.43,"end":115.41,"sentiment":"neutral","sentiment_score":-0.05878742982943853},{"text":"And is it still just the two dependents at home?","start":115.79,"end":117.97,"sentiment":"neutral","sentiment_score":-0.0034249775111675263}],"sentiment":"neutral","sentiment_score":-0.022458241536067083,"channel":0,"num_words":26,"start":111.87,"end":117.97},{"sentences":[{"text":"Yep.","start":118.284996,"end":118.784996,"sentiment":"neutral","sentiment_score":0.11093290150165558}],"sentiment":"neutral","sentiment_score":0.11093290150165558,"channel":1,"num_words":1,"start":118.284996,"end":118.784996},{"sentences":[{"text":"Perfect.","start":120.11,"end":120.61,"sentiment":"positive","sentiment_score":0.3419002294540405},{"text":"And as far as your role goes there, Andrew, are you doing maintenance work there and you're self employed?","start":121.564995,"end":126.685,"sentiment":"neutral","sentiment_score":0.05942266836370293},{"text":"Are you still doing that 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days?","start":136.03,"end":138.45,"sentiment":"neutral","sentiment_score":-0.0069566126066175375}],"sentiment":"neutral","sentiment_score":0.05304989458194801,"channel":0,"num_words":42,"start":129.405,"end":138.45},{"sentences":[{"text":"No.","start":138.75499,"end":138.995,"sentiment":"neutral","sentiment_score":-0.11084017902612686},{"text":"It's still one man band.","start":138.995,"end":140.61499,"sentiment":"neutral","sentiment_score":-0.11525331437587738},{"text":"So it's stopped.","start":140.995,"end":141.715,"sentiment":"neutral","sentiment_score":-0.13285771509011587},{"text":"So baby to field work, baby to work on the computer.","start":141.715,"end":145.495,"sentiment":"neutral","sentiment_score":-0.04672065715898167}],"sentiment":"neutral","sentiment_score":-0.07998035624623298,"channel":1,"num_words":20,"start":138.75499,"end":145.495},{"sentences":[{"text":"30.","start":147.16501,"end":147.66501,"sentiment":"neutral","sentiment_score":-0.01762167364358902},{"text":"Probably like a seventy thirty sort of split of, like, out there actually doing the work and then 30% having to deal with the invoices afterwards.","start":147.965,"end":155.345,"sentiment":"neutral","sentiment_score":-0.04552492850388472}],"sentiment":"neutral","sentiment_score":-0.044491474620170064,"channel":0,"num_words":27,"start":147.16501,"end":155.345},{"sentences":[{"text":"Probably probably in 8020.","start":155.64,"end":157.82,"sentiment":"neutral","sentiment_score":-0.014741726219654083}],"sentiment":"neutral","sentiment_score":-0.014741726219654083,"channel":1,"num_words":4,"start":155.64,"end":157.82},{"sentences":[{"text":"A '20.","start":158.78,"end":159.36,"sentiment":"neutral","sentiment_score":-0.0005596732953563333},{"text":"K.","start":160.14,"end":160.64,"sentiment":"neutral","sentiment_score":0.006369911599904299},{"text":"And then as far as a name that you've","start":161.82,"end":164.7,"sentiment":"neutral","sentiment_score":0.0024705604365509418}],"sentiment":"neutral","sentiment_score":0.002290467411512509,"channel":0,"num_words":12,"start":158.78,"end":164.7},{"sentences":[{"text":"Oh,","start":164.675,"end":165.175,"sentiment":"neutral","sentiment_score":0.01433588843792677}],"sentiment":"neutral","sentiment_score":0.01433588843792677,"channel":1,"num_words":1,"start":164.675,"end":165.175},{"sentences":[{"text":"given your your business there, have you got that sorted yet?","start":164.7,"end":168.54001,"sentiment":"neutral","sentiment_score":-0.0040277190167795525},{"text":"Because we didn't have one the last time you spoke to us.","start":168.54001,"end":170.865,"sentiment":"neutral","sentiment_score":-0.09354515249530475}],"sentiment":"neutral","sentiment_score":-0.05073246691861878,"channel":0,"num_words":23,"start":164.7,"end":170.865},{"sentences":[{"text":"really?","start":171.555,"end":172.055,"sentiment":"neutral","sentiment_score":-0.08134543895721436}],"sentiment":"neutral","sentiment_score":-0.08134543895721436,"channel":1,"num_words":1,"start":171.555,"end":172.055},{"sentences":[{"text":"Or maybe they just didn't track it down.","start":172.945,"end":174.625,"sentiment":"neutral","sentiment_score":-0.12353586312383413},{"text":"They and instead the a few","start":174.625,"end":176.225,"sentiment":"neutral","sentiment_score":-0.09030718604723613}],"sentiment":"neutral","sentiment_score":-0.10929500151957784,"channel":0,"num_words":14,"start":172.945,"end":176.225},{"sentences":[{"text":"Andy","start":176.115,"end":176.615,"sentiment":"neutral","sentiment_score":-0.06963273137807846}],"sentiment":"neutral","sentiment_score":-0.06963273137807846,"channel":1,"num_words":1,"start":176.115,"end":176.615},{"sentences":[{"text":"of the old.","start":176.225,"end":176.96501,"sentiment":"neutral","sentiment_score":-0.07507370660702388}],"sentiment":"neutral","sentiment_score":-0.07507370660702388,"channel":0,"num_words":3,"start":176.225,"end":176.96501},{"sentences":[{"text":"Mann NT.","start":177.955,"end":178.855,"sentiment":"neutral","sentiment_score":0.010612377431243658}],"sentiment":"neutral","sentiment_score":0.010612377431243658,"channel":1,"num_words":2,"start":177.955,"end":178.855},{"sentences":[{"text":"Perfect.","start":183.84001,"end":184.34001,"sentiment":"neutral","sentiment_score":0.15282145142555237},{"text":"And as far as hours per week that you're doing, you're doing like a standard work week.","start":186.64,"end":190.08,"sentiment":"neutral","sentiment_score":0.03351395171793068},{"text":"Obviously, it's your own, you know, own show.","start":190.08,"end":192.0,"sentiment":"neutral","sentiment_score":-0.0014371333527378738},{"text":"You're probably doing a bit more, but is the average week around the forty, forty five hours sort of 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sleeps.","start":197.57501,"end":210.81,"sentiment":"neutral","sentiment_score":-0.003521686710882932}],"sentiment":"neutral","sentiment_score":-0.003966972175421137,"channel":1,"num_words":33,"start":197.255,"end":210.81},{"sentences":[{"text":"Okay.","start":211.61,"end":212.11,"sentiment":"neutral","sentiment_score":0.06753265857696533},{"text":"Yep.","start":212.17,"end":212.49,"sentiment":"neutral","sentiment_score":0.10210815072059631},{"text":"Perfect.","start":212.49,"end":212.99,"sentiment":"neutral","sentiment_score":0.211681067943573},{"text":"And how long have you been doing that sort of industry of, like, the maintenance work, if you don't mind me asking?","start":213.53,"end":218.75,"sentiment":"neutral","sentiment_score":0.043757202103734016}],"sentiment":"neutral","sentiment_score":0.05375921294093132,"channel":0,"num_words":25,"start":211.61,"end":218.75},{"sentences":[{"text":"What are we now?","start":221.83,"end":222.89,"sentiment":"neutral","sentiment_score":-0.0015199556946754456},{"text":"About six years in this in being self employed.","start":224.175,"end":229.875,"sentiment":"neutral","sentiment_score":0.01321670413017273},{"text":"It was mid nineteen nine mid twenty twenty nineteen that I started.","start":229.93501,"end":237.63501,"sentiment":"neutral","sentiment_score":0.026760927867144346}],"sentiment":"neutral","sentiment_score":0.017360065951943397,"channel":1,"num_words":25,"start":221.83,"end":237.63501},{"sentences":[{"text":"Yep.","start":238.2,"end":238.7,"sentiment":"neutral","sentiment_score":0.022701269015669823},{"text":"And prior to that what were you doing prior to that?","start":239.8,"end":241.8,"sentiment":"neutral","sentiment_score":-0.02383866220373999},{"text":"Sorry.","start":241.8,"end":242.28,"sentiment":"neutral","sentiment_score":-0.1974129229784012},{"text":"Just because we haven't 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you?","start":250.535,"end":255.755,"sentiment":"neutral","sentiment_score":-0.15637541775192534}],"sentiment":"neutral","sentiment_score":-0.15152306507031124,"channel":0,"num_words":15,"start":246.77501,"end":255.755},{"sentences":[{"text":"No.","start":257.215,"end":257.715,"sentiment":"neutral","sentiment_score":-0.23593147099018097}],"sentiment":"neutral","sentiment_score":-0.23593147099018097,"channel":1,"num_words":1,"start":257.215,"end":257.715},{"sentences":[{"text":"Not dealing with any hazardous materials, not, like, doing any asbestos removal, things like 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at the top of my head.","start":326.09,"end":327.37,"sentiment":"neutral","sentiment_score":-0.055849623400717974},{"text":"No.","start":327.37,"end":327.87,"sentiment":"neutral","sentiment_score":-0.05581739544868469}],"sentiment":"neutral","sentiment_score":-0.05584604251715872,"channel":1,"num_words":9,"start":326.09,"end":327.87},{"sentences":[{"text":"Is there an amount you sort of roughly try to put like in an offset account or savings per week?","start":328.60498,"end":332.78497,"sentiment":"neutral","sentiment_score":-0.05368435326963663}],"sentiment":"neutral","sentiment_score":-0.05368435326963663,"channel":0,"num_words":20,"start":328.60498,"end":332.78497},{"sentences":[{"text":"Not at the moment.","start":333.45,"end":334.33,"sentiment":"neutral","sentiment_score":-0.1426542028784752},{"text":"We just we've got a young child.","start":334.33,"end":337.31,"sentiment":"neutral","sentiment_score":-0.13976299336978368},{"text":"Her 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wanna","start":1043.44,"end":1051.145,"sentiment":"neutral","sentiment_score":-0.019840642958032815}],"sentiment":"neutral","sentiment_score":0.012843605327153845,"channel":0,"num_words":70,"start":1034.0,"end":1051.145},{"sentences":[{"text":"Yeah.","start":1050.785,"end":1051.025,"sentiment":"neutral","sentiment_score":-0.06901808828115463},{"text":"I probably","start":1051.025,"end":1051.505,"sentiment":"neutral","sentiment_score":-0.20251748710870743}],"sentiment":"neutral","sentiment_score":-0.15801768749952316,"channel":1,"num_words":3,"start":1050.785,"end":1051.505},{"sentences":[{"text":"put off?","start":1051.285,"end":1051.9451,"sentiment":"neutral","sentiment_score":-0.17352519929409027}],"sentiment":"neutral","sentiment_score":-0.17352519929409027,"channel":0,"num_words":2,"start":1051.285,"end":1051.9451},{"sentences":[{"text":"need to sit down and review it.","start":1051.505,"end":1053.505,"sentiment":"neutral","sentiment_score":-0.24488743713923863},{"text":"I think once I get this year's performance and everything in, I should sit down and have a good proper review on it.","start":1053.505,"end":1062.8049,"sentiment":"neutral","sentiment_score":0.037343955234340996},{"text":"But, yeah, I haven't really thought of it much of late.","start":1065.5599,"end":1069.0,"sentiment":"neutral","sentiment_score":-0.1348955235020681},{"text":"But, yeah, you're right.","start":1069.0,"end":1069.88,"sentiment":"neutral","sentiment_score":0.09879585355520248},{"text":"I do need to have a proper look at it.","start":1069.88,"end":1072.22,"sentiment":"neutral","sentiment_score":-0.039725690707564355}],"sentiment":"neutral","sentiment_score":-0.04256773347204382,"channel":1,"num_words":55,"start":1051.505,"end":1072.22},{"sentences":[{"text":"Yeah.","start":1072.515,"end":1072.755,"sentiment":"neutral","sentiment_score":0.030869942158460617},{"text":"Because for us to revisit underwriting again, we'd put you through a post of what's called that pre assessment again, just where we ask a little bit more about your occupation and health.","start":1072.755,"end":1079.8949,"sentiment":"neutral","sentiment_score":0.0046442652290517635},{"text":"And then we just","start":1080.0499,"end":1080.61,"sentiment":"neutral","sentiment_score":-0.005060124211013317}],"sentiment":"neutral","sentiment_score":0.004312899944029357,"channel":0,"num_words":38,"start":1072.515,"end":1080.61},{"sentences":[{"text":"Yep.","start":1080.5449,"end":1081.0449,"sentiment":"neutral","sentiment_score":0.011219682171940804}],"sentiment":"neutral","sentiment_score":0.011219682171940804,"channel":1,"num_words":1,"start":1080.5449,"end":1081.0449},{"sentences":[{"text":"go off to the insurers, see how they'll rate you in terms of, like, your occupation and then also in regards to your health.","start":1080.61,"end":1087.4099,"sentiment":"neutral","sentiment_score":0.02595551125705242},{"text":"Now being a handyman, unfortunately, isn't, like, the best rated occupation just due to, like, the odd jobs that you can do.","start":1087.4099,"end":1092.915,"sentiment":"negative","sentiment_score":-0.5478552674705331},{"text":"So they kinda just rate you at the worst of what you're sorta able to do, which as a handyman, you can kinda do a bit of everything.","start":1093.395,"end":1098.5951,"sentiment":"negative","sentiment_score":-0.5806259683200291},{"text":"So it's not fantastic.","start":1098.5951,"end":1099.655,"sentiment":"negative","sentiment_score":-0.6342799514532089}],"sentiment":"negative","sentiment_score":-0.38749398119174516,"channel":0,"num_words":78,"start":1080.61,"end":1099.655},{"sentences":[{"text":"Yes.","start":1099.3201,"end":1099.8201,"sentiment":"neutral","sentiment_score":-0.10951901972293854}],"sentiment":"neutral","sentiment_score":-0.10951901972293854,"channel":1,"num_words":1,"start":1099.3201,"end":1099.8201},{"sentences":[{"text":"Health wise, I'm not too sure what would count less that during the pre assessment, but then you would be able to see sort of what they'll offer cover out, what pricing, things like that as well.","start":1101.155,"end":1109.5,"sentiment":"neutral","sentiment_score":-0.10743501554227534},{"text":"And if we have to do look at retaining your current policy and then some top up things like that, that's all options there as well.","start":1109.5,"end":1115.2,"sentiment":"neutral","sentiment_score":-0.027213422294992667}],"sentiment":"neutral","sentiment_score":-0.07432769134498408,"channel":0,"num_words":63,"start":1101.155,"end":1115.2},{"sentences":[{"text":"Yeah.","start":1115.495,"end":1115.8151,"sentiment":"neutral","sentiment_score":0.19252973794937137},{"text":"Cool.","start":1115.8151,"end":1116.3151,"sentiment":"neutral","sentiment_score":0.25607219338417053}],"sentiment":"neutral","sentiment_score":0.22430096566677094,"channel":1,"num_words":2,"start":1115.495,"end":1116.3151},{"sentences":[{"text":"In saying that with, hey.","start":1117.1,"end":1118.895,"sentiment":"neutral","sentiment_score":0.10064259171485901},{"text":"Is that something you wanna potentially, like, do the pre assessment now and get that started?","start":1118.895,"end":1122.415,"sentiment":"neutral","sentiment_score":0.15182810928672552},{"text":"Because another thing we were looking at potentially doing there, I'm not too sure if you've, you know, had a look at the the markets, your portfolios, what's been happening, but there's a actively managed portion in your portfolio called Benelung.","start":1122.415,"end":1133.395,"sentiment":"neutral","sentiment_score":-0.097086543171871},{"text":"Now that Benelong fund did have an underlying investment.","start":1134.4199,"end":1137.46,"sentiment":"neutral","sentiment_score":-0.07461056858301163},{"text":"Makes out about, like, it was 15%, but now it's closer to the 10% of your portfolio.","start":1137.46,"end":1142.2,"sentiment":"neutral","sentiment_score":-0.06200021571096252}],"sentiment":"neutral","sentiment_score":-0.03151800394566222,"channel":0,"num_words":88,"start":1117.1,"end":1142.2},{"sentences":[{"text":"It's an actively managed fund.","start":1142.8999,"end":1144.1,"sentiment":"neutral","sentiment_score":-0.04662296585738659},{"text":"One of their underlying investments, corporate traveler, got done for not doing their accounting correctly.","start":1144.1,"end":1148.84,"sentiment":"neutral","sentiment_score":-0.298510613044103},{"text":"But if","start":1149.4851,"end":1149.885,"sentiment":"neutral","sentiment_score":-0.2823946923017502}],"sentiment":"neutral","sentiment_score":-0.23979833679781717,"channel":0,"num_words":22,"start":1142.8999,"end":1149.885},{"sentences":[{"text":"Yep.","start":1149.825,"end":1150.2,"sentiment":"neutral","sentiment_score":-0.33219265937805176}],"sentiment":"neutral","sentiment_score":-0.33219265937805176,"channel":1,"num_words":1,"start":1149.825,"end":1150.2},{"sentences":[{"text":"you're doing a few dodgies, it caused them to be put on a trading halt.","start":1149.885,"end":1153.7251,"sentiment":"negative","sentiment_score":-0.5443293203910192},{"text":"Their corporate traveler investment made Benelon have to reevaluate that stock.","start":1153.7251,"end":1157.7251,"sentiment":"negative","sentiment_score":-0.44313597679138184},{"text":"And as a result of that, it caused Benelon share price to take a bit of a dive in addition to losing a bit of consumer confidence there as well.","start":1157.7251,"end":1164.865,"sentiment":"negative","sentiment_score":-0.6331474949916204},{"text":"So we were looking at removing phenolong.","start":1165.4601,"end":1167.72,"sentiment":"neutral","sentiment_score":-0.16063568208898818},{"text":"There's a few options there.","start":1168.02,"end":1169.14,"sentiment":"neutral","sentiment_score":0.034237295761704443}],"sentiment":"negative","sentiment_score":-0.4851047602372573,"channel":0,"num_words":68,"start":1149.885,"end":1169.14},{"sentences":[{"text":"We can look to remove it with an active portion again and have another managed fund that tries to outperform the market, or we can look to just go passive with that investment and then have that to where it just follows the indexes much like the rest of your portfolio, which can also just reduce the the overall cost of investing.","start":1169.14,"end":1186.2151,"sentiment":"neutral","sentiment_score":0.179435730941834},{"text":"Given","start":1186.675,"end":1187.175,"sentiment":"neutral","sentiment_score":0.23402924835681915}],"sentiment":"neutral","sentiment_score":0.18030229471032583,"channel":0,"num_words":63,"start":1169.14,"end":1187.175},{"sentences":[{"text":"Yep.","start":1186.92,"end":1187.42,"sentiment":"neutral","sentiment_score":0.24425308406352997}],"sentiment":"neutral","sentiment_score":0.24425308406352997,"channel":1,"num_words":1,"start":1186.92,"end":1187.42},{"sentences":[{"text":"that it is a minor portion of your portfolio or lesser sort of satellite portal, like performance piece.","start":1187.795,"end":1194.14,"sentiment":"neutral","sentiment_score":0.1604996733367443},{"text":"It hasn't affected your performance too much in terms of what the return you did receive for the year.","start":1194.68,"end":1199.18,"sentiment":"neutral","sentiment_score":0.24086815746206985},{"text":"So over the past twelve months, they still did around 11.4% even with all the world wars and everything going on, which isn't too bad at all.","start":1199.4401,"end":1208.615,"sentiment":"neutral","sentiment_score":0.10239411255827656},{"text":"But in saying that as well, the Benelong did go back around 19% in that time period with that dip that did occur with that announcement.","start":1208.835,"end":1216.9349,"sentiment":"neutral","sentiment_score":0.24027680405057394}],"sentiment":"neutral","sentiment_score":0.18308141173587905,"channel":0,"num_words":90,"start":1187.795,"end":1216.9349},{"sentences":[{"text":"Yep.","start":1217.81,"end":1218.31,"sentiment":"neutral","sentiment_score":0.22048941254615784},{"text":"Yeah.","start":1221.65,"end":1221.97,"sentiment":"neutral","sentiment_score":0.27009117603302},{"text":"I think I like, I just yeah.","start":1221.97,"end":1225.065,"sentiment":"neutral","sentiment_score":0.2645841177020754},{"text":"I need to have a look at everything, all the performances from this year and sit down and, like, spend a few hours going through it all before I make any decisions on on anything future.","start":1225.065,"end":1236.6849,"sentiment":"neutral","sentiment_score":0.2818712203039063}],"sentiment":"neutral","sentiment_score":0.27755629652076297,"channel":1,"num_words":45,"start":1217.81,"end":1236.6849},{"sentences":[{"text":"Because as I said, like, the rest of your portfolio is performing quite well.","start":1239.425,"end":1243.1849,"sentiment":"positive","sentiment_score":0.3699640503951481},{"text":"It's just an active portion.","start":1243.1849,"end":1244.645,"sentiment":"neutral","sentiment_score":0.16965914517641068}],"sentiment":"neutral","sentiment_score":0.3172522332323225,"channel":0,"num_words":19,"start":1239.425,"end":1244.645},{"sentences":[{"text":"Yep.","start":1245.13,"end":1245.63,"sentiment":"neutral","sentiment_score":0.07567168772220612}],"sentiment":"neutral","sentiment_score":0.07567168772220612,"channel":1,"num_words":1,"start":1245.13,"end":1245.63},{"sentences":[{"text":"As a business, they are moving away from that.","start":1245.96,"end":1247.88,"sentiment":"neutral","sentiment_score":-0.14986827058924568},{"text":"So the options are is obviously just find an alternative passive replacement or an active replacement just to, like, knock out that 15% essentially of that.","start":1247.88,"end":1257.885,"sentiment":"neutral","sentiment_score":0.18896199017763138},{"text":"I'm happy to sort of even just give you a bit of time with everything following today and book in for maybe a three month follow-up when things fell down a little bit maybe for you, and then sort of we can go over it then because you've made the loss now, and it's not the hugest portion of your portfolio.","start":1258.205,"end":1271.58,"sentiment":"positive","sentiment_score":0.40873649920962873},{"text":"And then maybe you'll have a bit more time to go over the insurance matters there as well","start":1271.58,"end":1274.7799,"sentiment":"neutral","sentiment_score":0.04426154038972325}],"sentiment":"neutral","sentiment_score":0.2569634341062945,"channel":0,"num_words":114,"start":1245.96,"end":1274.7799},{"sentences":[{"text":"Well,","start":1274.75,"end":1275.0701,"sentiment":"neutral","sentiment_score":0.02938808687031269}],"sentiment":"neutral","sentiment_score":0.02938808687031269,"channel":1,"num_words":1,"start":1274.75,"end":1275.0701},{"sentences":[{"text":"and do a","start":1274.7799,"end":1275.1,"sentiment":"neutral","sentiment_score":0.05987569441397985}],"sentiment":"neutral","sentiment_score":0.05987569441397985,"channel":0,"num_words":3,"start":1274.7799,"end":1275.1},{"sentences":[{"text":"look,","start":1275.0701,"end":1275.39,"sentiment":"neutral","sentiment_score":0.06685159355401993}],"sentiment":"neutral","sentiment_score":0.06685159355401993,"channel":1,"num_words":1,"start":1275.0701,"end":1275.39},{"sentences":[{"text":"review","start":1275.1,"end":1275.4199,"sentiment":"neutral","sentiment_score":0.09136506170034409}],"sentiment":"neutral","sentiment_score":0.09136506170034409,"channel":0,"num_words":1,"start":1275.1,"end":1275.4199},{"sentences":[{"text":"it","start":1275.39,"end":1275.63,"sentiment":"neutral","sentiment_score":0.09238337725400925}],"sentiment":"neutral","sentiment_score":0.09238337725400925,"channel":1,"num_words":1,"start":1275.39,"end":1275.63},{"sentences":[{"text":"of that.","start":1275.4199,"end":1276.0,"sentiment":"neutral","sentiment_score":0.06306806765496731}],"sentiment":"neutral","sentiment_score":0.06306806765496731,"channel":0,"num_words":2,"start":1275.4199,"end":1276.0},{"sentences":[{"text":"is the and when you say active and passive, so your active is more of a high risk sort of investment, and your passive is just something that's gonna tick along and not really lose or gain too much.","start":1275.63,"end":1292.965,"sentiment":"neutral","sentiment_score":-0.029120563505551755},{"text":"Is that correct?","start":1292.965,"end":1293.69,"sentiment":"neutral","sentiment_score":0.04527005304892858}],"sentiment":"neutral","sentiment_score":-0.023806948037374587,"channel":1,"num_words":42,"start":1275.63,"end":1293.69},{"sentences":[{"text":"Not in so many words.","start":1295.115,"end":1297.2301,"sentiment":"neutral","sentiment_score":-0.24872071743011476},{"text":"So with that, your allocation to, like, growth assets.","start":1297.2301,"end":1300.43,"sentiment":"neutral","sentiment_score":0.023732251591152616},{"text":"So if you have a passive or an active, you're still invested in things like shares, which are all, like, considered growth assets.","start":1300.43,"end":1306.13,"sentiment":"neutral","sentiment_score":0.09791694225176521}],"sentiment":"neutral","sentiment_score":0.03302909051244323,"channel":0,"num_words":37,"start":1295.115,"end":1306.13},{"sentences":[{"text":"Yep.","start":1306.57,"end":1306.995,"sentiment":"neutral","sentiment_score":0.10289619863033296}],"sentiment":"neutral","sentiment_score":0.10289619863033296,"channel":1,"num_words":1,"start":1306.57,"end":1306.995},{"sentences":[{"text":"The the more risk comes from having the manager itself.","start":1306.5901,"end":1309.55,"sentiment":"neutral","sentiment_score":-0.11122184619307518},{"text":"So when it's passive, you still have the same exposure to growth assets.","start":1309.55,"end":1313.375,"sentiment":"neutral","sentiment_score":0.010567164478393702},{"text":"You're just tracking, like, an industry.","start":1313.375,"end":1314.9951,"sentiment":"neutral","sentiment_score":0.024489575065672398},{"text":"So, like, the S and P 500 is the top 500 companies in America.","start":1315.6151,"end":1319.2351,"sentiment":"neutral","sentiment_score":0.06942485831677914},{"text":"It's, like, fluctuates in the sense that if a company, you know, gets skyrocketed out and they jump in that top 500, you'll hold it as an investment.","start":1319.375,"end":1327.11,"sentiment":"neutral","sentiment_score":-0.07550955776657377}],"sentiment":"neutral","sentiment_score":-0.027749682737278267,"channel":0,"num_words":71,"start":1306.5901,"end":1327.11},{"sentences":[{"text":"If they crap the bed and fall out of that, you'll lose that investment in terms of holding it in your portfolio.","start":1327.1699,"end":1332.47,"sentiment":"negative","sentiment_score":-0.539970565925945},{"text":"Whereas the the fund manager itself builds a portfolio based on what they believe is, like, market value, whether","start":1332.9299,"end":1339.645,"sentiment":"neutral","sentiment_score":-0.010605035447760633}],"sentiment":"neutral","sentiment_score":-0.2946548322897132,"channel":0,"num_words":41,"start":1327.1699,"end":1339.645},{"sentences":[{"text":"Yep.","start":1339.585,"end":1340.085,"sentiment":"neutral","sentiment_score":0.03889627754688263}],"sentiment":"neutral","sentiment_score":0.03889627754688263,"channel":1,"num_words":1,"start":1339.585,"end":1340.085},{"sentences":[{"text":"that's to be, like, they see equity in the the company, market share in the company.","start":1339.645,"end":1344.125,"sentiment":"neutral","sentiment_score":0.010275835171341896},{"text":"They think it's, like, a valued under you know, undervalued stock.","start":1344.125,"end":1347.345,"sentiment":"neutral","sentiment_score":-0.0014923426576636054},{"text":"They're the ones that do the picking and choosing, whereas the industry does that for you just based on a set of metrics, whether that's, like, market cap size.","start":1347.405,"end":1354.705,"sentiment":"neutral","sentiment_score":0.016183203792777556},{"text":"There's a few other industries that do it based on, like, other metrics, but,","start":1354.82,"end":1358.74,"sentiment":"neutral","sentiment_score":0.029394383342670544}],"sentiment":"neutral","sentiment_score":0.014697598147072962,"channel":0,"num_words":70,"start":1339.645,"end":1358.74},{"sentences":[{"text":"Yep.","start":1358.73,"end":1359.23,"sentiment":"neutral","sentiment_score":0.0887017697095871}],"sentiment":"neutral","sentiment_score":0.0887017697095871,"channel":1,"num_words":1,"start":1358.73,"end":1359.23},{"sentences":[{"text":"essentially, they stick to their metric.","start":1358.74,"end":1361.14,"sentiment":"neutral","sentiment_score":0.006931281027694543},{"text":"They just go with the metric, whereas a manager basically is picking winners.","start":1361.14,"end":1365.4,"sentiment":"neutral","sentiment_score":-0.052761578789124124},{"text":"And then when they get it wrong, obviously, it doesn't go too great.","start":1365.62,"end":1368.1799,"sentiment":"neutral","sentiment_score":-0.28374034280960375},{"text":"When they get it right, they outperform the market.","start":1368.1799,"end":1370.445,"sentiment":"neutral","sentiment_score":0.1702305202682813},{"text":"So that's where you get that, like, alpha generation where you can outperform what the market is doing by picking a few of those more top performing companies.","start":1370.5249,"end":1377.585,"sentiment":"positive","sentiment_score":0.5731426221983773}],"sentiment":"neutral","sentiment_score":0.1919874030340841,"channel":0,"num_words":69,"start":1358.74,"end":1377.585},{"sentences":[{"text":"Yep.","start":1378.545,"end":1379.045,"sentiment":"neutral","sentiment_score":0.21734172105789185},{"text":"Alright.","start":1379.425,"end":1379.925,"sentiment":"neutral","sentiment_score":0.19658754765987396},{"text":"So yeah.","start":1379.985,"end":1382.01,"sentiment":"neutral","sentiment_score":0.14411712437868118},{"text":"Well, it's not a big portion of the portfolio.","start":1382.01,"end":1384.91,"sentiment":"neutral","sentiment_score":0.00014839921560552366},{"text":"Maybe just change it up to a active.","start":1385.13,"end":1387.63,"sentiment":"neutral","sentiment_score":0.013848939444869757}],"sentiment":"neutral","sentiment_score":0.038775744094025524,"channel":1,"num_words":21,"start":1378.545,"end":1387.63},{"sentences":[{"text":"Another active?","start":1388.2999,"end":1388.94,"sentiment":"neutral","sentiment_score":0.018087860196828842},{"text":"Yeah.","start":1388.94,"end":1389.1799,"sentiment":"neutral","sentiment_score":0.02035190723836422},{"text":"No.","start":1389.1799,"end":1389.34,"sentiment":"neutral","sentiment_score":-0.027338217943906784},{"text":"That's","start":1389.34,"end":1389.6599,"sentiment":"neutral","sentiment_score":0.0418219193816185}],"sentiment":"neutral","sentiment_score":0.014202265813946725,"channel":0,"num_words":5,"start":1388.2999,"end":1389.6599},{"sentences":[{"text":"Yeah.","start":1389.61,"end":1390.11,"sentiment":"neutral","sentiment_score":0.14812305569648743}],"sentiment":"neutral","sentiment_score":0.14812305569648743,"channel":1,"num_words":1,"start":1389.61,"end":1390.11},{"sentences":[{"text":"fine.","start":1389.6599,"end":1390.1599,"sentiment":"neutral","sentiment_score":0.24215447902679443},{"text":"As I said, yeah.","start":1390.46,"end":1391.34,"sentiment":"neutral","sentiment_score":0.20072602108120918},{"text":"So a lot majority of your portfolio is that sort of passive","start":1391.34,"end":1394.0599,"sentiment":"neutral","sentiment_score":0.2798120987912019}],"sentiment":"neutral","sentiment_score":0.2589884558144738,"channel":0,"num_words":17,"start":1389.6599,"end":1394.0599},{"sentences":[{"text":"Yep.","start":1394.025,"end":1394.525,"sentiment":"neutral","sentiment_score":0.20955249667167664}],"sentiment":"neutral","sentiment_score":0.20955249667167664,"channel":1,"num_words":1,"start":1394.025,"end":1394.525},{"sentences":[{"text":"investing, which is a lot cheaper in terms of that.","start":1394.0599,"end":1396.355,"sentiment":"positive","sentiment_score":0.40771410763263705},{"text":"The active portion, obviously, is to have that little portion that aims to outperform and do a little bit better.","start":1396.355,"end":1401.735,"sentiment":"positive","sentiment_score":0.4304342448711395},{"text":"Obviously, it hasn't done that, but in saying that, given the the weighting of your portfolio, it hasn't affected the growth out of it too much at all.","start":1402.115,"end":1408.59,"sentiment":"neutral","sentiment_score":0.15813410867537772}],"sentiment":"neutral","sentiment_score":0.2950617416665472,"channel":0,"num_words":58,"start":1394.0599,"end":1408.59},{"sentences":[{"text":"Yeah.","start":1408.6799,"end":1408.9199,"sentiment":"neutral","sentiment_score":0.3164580762386322},{"text":"I think, like, that's the way it was set up so that it was set up so that it was active a certain amount of active and passive throughout the portfolio.","start":1408.9199,"end":1417.2599,"sentiment":"neutral","sentiment_score":0.3143900007970871},{"text":"And if that one active is being put on hold due to circumstances beyond control, it's probably best to change it up and keep it active.","start":1417.32,"end":1426.005,"sentiment":"neutral","sentiment_score":-0.06220598536758469}],"sentiment":"neutral","sentiment_score":0.14560676692053676,"channel":1,"num_words":58,"start":1408.6799,"end":1426.005},{"sentences":[{"text":"Not a problem at all.","start":1427.325,"end":1428.125,"sentiment":"positive","sentiment_score":0.3609724998474121},{"text":"Definitely can do that.","start":1428.125,"end":1429.4249,"sentiment":"positive","sentiment_score":0.6017251163721085},{"text":"In terms of updating that advice, please, did you wanna go through the pre assessment process and start that as well for your insurances now as well?","start":1429.885,"end":1436.11,"sentiment":"neutral","sentiment_score":0.17276670700973934},{"text":"Is that something you wanna address at","start":1436.11,"end":1437.39,"sentiment":"neutral","sentiment_score":0.01858315004834107}],"sentiment":"neutral","sentiment_score":0.20945456056574055,"channel":0,"num_words":43,"start":1427.325,"end":1437.39},{"sentences":[{"text":"Not","start":1437.2649,"end":1437.6649,"sentiment":"neutral","sentiment_score":-0.04384912550449371}],"sentiment":"neutral","sentiment_score":-0.04384912550449371,"channel":1,"num_words":1,"start":1437.2649,"end":1437.6649},{"sentences":[{"text":"a later","start":1437.39,"end":1437.9701,"sentiment":"neutral","sentiment_score":-0.16576514393091202}],"sentiment":"neutral","sentiment_score":-0.16576514393091202,"channel":0,"num_words":2,"start":1437.39,"end":1437.9701},{"sentences":[{"text":"not yet.","start":1437.6649,"end":1438.225,"sentiment":"neutral","sentiment_score":-0.20183515548706055},{"text":"I'll I'll revisit that.","start":1438.225,"end":1439.48,"sentiment":"neutral","sentiment_score":0.018052782223094255},{"text":"I'll spend a bit of time hopefully in the next couple of weeks in the evenings going through all my super and just seeing where everything's at.","start":1439.48,"end":1449.74,"sentiment":"neutral","sentiment_score":0.2162656072113249},{"text":"You know, it's just so I can sort of have a good look at the of it on paper screen slash screen, I should say, and then revisit that.","start":1450.84,"end":1461.8049,"sentiment":"neutral","sentiment_score":0.14613431961885814},{"text":"Probably, maybe in a in three months is probably a good time to revisit that.","start":1464.1849,"end":1469.6799,"sentiment":"neutral","sentiment_score":0.1956585516532262}],"sentiment":"neutral","sentiment_score":0.16468163319960138,"channel":1,"num_words":77,"start":1437.6649,"end":1469.6799},{"sentences":[{"text":"It'll sort of give us an idea of what's going on with the world as well.","start":1469.6799,"end":1473.5399,"sentiment":"neutral","sentiment_score":0.17372415447607636}],"sentiment":"neutral","sentiment_score":0.17372415447607636,"channel":1,"num_words":16,"start":1469.6799,"end":1473.5399},{"sentences":[{"text":"Alright.","start":1474.875,"end":1475.355,"sentiment":"neutral","sentiment_score":-0.03582901880145073},{"text":"I'll add it to the the pile in the sense that they'll, like if they get to it within that three months, at the sort of bottom of the list due to the fact that we are having another conversation, you're just going away and","start":1475.355,"end":1485.16,"sentiment":"neutral","sentiment_score":0.2584876717792617}],"sentiment":"neutral","sentiment_score":0.25208948285359406,"channel":0,"num_words":46,"start":1474.875,"end":1485.16},{"sentences":[{"text":"Yep.","start":1485.155,"end":1485.655,"sentiment":"neutral","sentiment_score":0.14392754435539246}],"sentiment":"neutral","sentiment_score":0.14392754435539246,"channel":1,"num_words":1,"start":1485.155,"end":1485.655},{"sentences":[{"text":"having to think about things.","start":1485.16,"end":1486.4401,"sentiment":"neutral","sentiment_score":0.21170524060726165},{"text":"If they have it done before, that's fantastic.","start":1486.4401,"end":1488.12,"sentiment":"positive","sentiment_score":0.6251043379306793},{"text":"If not, we'll touch base then and get the ball rolling a bit quicker,","start":1488.12,"end":1490.7001,"sentiment":"positive","sentiment_score":0.400938298021044}],"sentiment":"positive","sentiment_score":0.43231470662134663,"channel":0,"num_words":27,"start":1485.16,"end":1490.7001},{"sentences":[{"text":"Yep.","start":1490.995,"end":1491.495,"sentiment":"neutral","sentiment_score":0.26595187187194824}],"sentiment":"neutral","sentiment_score":0.26595187187194824,"channel":1,"num_words":1,"start":1490.995,"end":1491.495},{"sentences":[{"text":"and then we can touch on the insurance matters there as well.","start":1491.4,"end":1494.06,"sentiment":"neutral","sentiment_score":0.1663378874460856},{"text":"You don't currently have trauma insurance as well, which I'm not too sure how much you remember of that from the conversation that may have happened, you know, five years ago.","start":1494.2001,"end":1501.0651,"sentiment":"neutral","sentiment_score":-0.062308226659473394},{"text":"But that's that insurance that covers the things like heart attacks, strokes, traumatic events that may not fall under, like, your total permanent disability income protection style covers.","start":1501.0651,"end":1509.5651,"sentiment":"neutral","sentiment_score":-0.04313983701701675}],"sentiment":"neutral","sentiment_score":-0.016104448078410098,"channel":0,"num_words":71,"start":1491.4,"end":1509.5651},{"sentences":[{"text":"Yep.","start":1510.0,"end":1510.335,"sentiment":"neutral","sentiment_score":0.03912295773625374}],"sentiment":"neutral","sentiment_score":0.03912295773625374,"channel":1,"num_words":1,"start":1510.0,"end":1510.335},{"sentences":[{"text":"And in in saying that is a cover that has to be paid out of pocket.","start":1511.2401,"end":1513.88,"sentiment":"neutral","sentiment_score":-0.07022772100754082},{"text":"So given the the cash flow at the moment, probably not fantastic until, you know, giving it a bit of a three month wait.","start":1513.88,"end":1518.52,"sentiment":"neutral","sentiment_score":-0.15565257954100767},{"text":"But in saying that, it is something to consider, and we can have a bit more of a discussion around that a bit later as well if you'd like to see if you'd tell me if you're interested in seeing at least the pricing around.","start":1518.52,"end":1527.015,"sentiment":"neutral","sentiment_score":0.12104447674420145}],"sentiment":"neutral","sentiment_score":0.006914070686873268,"channel":0,"num_words":85,"start":1511.2401,"end":1527.015},{"sentences":[{"text":"Yep.","start":1526.53,"end":1527.03,"sentiment":"neutral","sentiment_score":0.17804908752441406},{"text":"Yeah.","start":1527.97,"end":1528.21,"sentiment":"neutral","sentiment_score":0.3252245783805847},{"text":"Cool.","start":1528.21,"end":1528.71,"sentiment":"positive","sentiment_score":0.4423559308052063},{"text":"Yep.","start":1529.49,"end":1529.8099,"sentiment":"neutral","sentiment_score":0.2590794265270233},{"text":"Well,","start":1529.8099,"end":1530.3099,"sentiment":"neutral","sentiment_score":0.07465294003486633}],"sentiment":"neutral","sentiment_score":0.25587239265441897,"channel":1,"num_words":5,"start":1526.53,"end":1530.3099},{"sentences":[{"text":"Not","start":1530.035,"end":1530.535,"sentiment":"neutral","sentiment_score":-0.016084477305412292}],"sentiment":"neutral","sentiment_score":-0.016084477305412292,"channel":0,"num_words":1,"start":1530.035,"end":1530.535},{"sentences":[{"text":"I'll consider that as well.","start":1530.85,"end":1532.3099,"sentiment":"neutral","sentiment_score":-0.02899511009454727}],"sentiment":"neutral","sentiment_score":-0.02899511009454727,"channel":1,"num_words":5,"start":1530.85,"end":1532.3099},{"sentences":[{"text":"perfect.","start":1533.475,"end":1533.975,"sentiment":"positive","sentiment_score":0.5319216251373291},{"text":"Now I'm just gonna do a quick risk profile there just to make sure that everything lines up with what we currently got you invested in just to to make a note of it.","start":1534.355,"end":1541.47,"sentiment":"neutral","sentiment_score":0.1912249377106919},{"text":"And as an we'll we'll leave it for the the three months anyway.","start":1541.47,"end":1543.95,"sentiment":"neutral","sentiment_score":0.1313301227413691},{"text":"But you are currently in that higher growth portfolio, and that's about a ninety ten split.","start":1543.95,"end":1549.95,"sentiment":"neutral","sentiment_score":0.14275867398828268},{"text":"So a ninety ten split in that sense that you have 90¢ growth type assets and about 10% more defensive like fixed interest.","start":1549.95,"end":1556.6749,"sentiment":"neutral","sentiment_score":0.19093372401866046}],"sentiment":"neutral","sentiment_score":0.17704118389722912,"channel":0,"num_words":87,"start":1533.475,"end":1556.6749},{"sentences":[{"text":"You know?","start":1556.6749,"end":1557.255,"sentiment":"neutral","sentiment_score":0.005919303745031353},{"text":"Gold is considered a bit more of a growth asset at the moment just the way it's been performing, but you could also consider that a little bit to be defensive in the sense that during market downturns, it tends to go up in price a bit as well.","start":1557.475,"end":1567.8,"sentiment":"neutral","sentiment_score":0.14253159825290954}],"sentiment":"neutral","sentiment_score":0.13717425337024763,"channel":0,"num_words":51,"start":1556.6749,"end":1567.8},{"sentences":[{"text":"Yep.","start":1568.14,"end":1568.535,"sentiment":"neutral","sentiment_score":0.11195026338100432}],"sentiment":"neutral","sentiment_score":0.11195026338100432,"channel":1,"num_words":1,"start":1568.14,"end":1568.535},{"sentences":[{"text":"Have you made any direct share investments since we sort of last spoke at all there, Andrew?","start":1570.4401,"end":1574.38,"sentiment":"neutral","sentiment_score":0.09828542457783923}],"sentiment":"neutral","sentiment_score":0.09828542457783923,"channel":0,"num_words":17,"start":1570.4401,"end":1574.38},{"sentences":[{"text":"Nah.","start":1574.935,"end":1575.435,"sentiment":"neutral","sentiment_score":0.09093441814184187}],"sentiment":"neutral","sentiment_score":0.09093441814184187,"channel":1,"num_words":1,"start":1574.935,"end":1575.435},{"sentences":[{"text":"Yeah.","start":1576.3601,"end":1576.68,"sentiment":"neutral","sentiment_score":0.13048973679542542},{"text":"Not a problem at all.","start":1576.68,"end":1577.8,"sentiment":"neutral","sentiment_score":0.25380274653434753},{"text":"And then with the cost of living and inflation and, you know, how much everything is going up, are you willing to take on still a more moderate to high amount of risk to try and outpace that inflation to make sure your money is still growing?","start":1577.8,"end":1589.1749,"sentiment":"neutral","sentiment_score":0.053061685465434764}],"sentiment":"neutral","sentiment_score":0.07346042804419994,"channel":0,"num_words":53,"start":1576.3601,"end":1589.1749},{"sentences":[{"text":"Yeah.","start":1589.48,"end":1589.72,"sentiment":"neutral","sentiment_score":0.1596682071685791},{"text":"I think so.","start":1589.72,"end":1590.62,"sentiment":"neutral","sentiment_score":0.2264923999706904}],"sentiment":"neutral","sentiment_score":0.20978635177016258,"channel":1,"num_words":4,"start":1589.48,"end":1590.62},{"sentences":[{"text":"Perfect.","start":1591.635,"end":1592.135,"sentiment":"positive","sentiment_score":0.4965606331825256}],"sentiment":"positive","sentiment_score":0.4965606331825256,"channel":0,"num_words":1,"start":1591.635,"end":1592.135},{"sentences":[{"text":"You","start":1592.6799,"end":1592.84,"sentiment":"neutral","sentiment_score":0.3085208833217621}],"sentiment":"neutral","sentiment_score":0.3085208833217621,"channel":1,"num_words":1,"start":1592.6799,"end":1592.84},{"sentences":[{"text":"And","start":1592.77,"end":1593.27,"sentiment":"neutral","sentiment_score":0.18364843726158145}],"sentiment":"neutral","sentiment_score":0.18364843726158145,"channel":0,"num_words":1,"start":1592.77,"end":1593.27},{"sentences":[{"text":"guys are you guys are watching America very closely at the moment, I hope.","start":1592.84,"end":1597.1,"sentiment":"neutral","sentiment_score":0.11075024466429438}],"sentiment":"neutral","sentiment_score":0.11075024466429438,"channel":1,"num_words":14,"start":1592.84,"end":1597.1},{"sentences":[{"text":"it's it's one of those things that you couldn't guess it if you wanted to, what they're gonna","start":1597.89,"end":1602.05,"sentiment":"neutral","sentiment_score":-0.03482662855337063}],"sentiment":"neutral","sentiment_score":-0.03482662855337063,"channel":0,"num_words":18,"start":1597.89,"end":1602.05},{"sentences":[{"text":"No.","start":1602.005,"end":1602.505,"sentiment":"neutral","sentiment_score":-0.32592982053756714}],"sentiment":"neutral","sentiment_score":-0.32592982053756714,"channel":1,"num_words":1,"start":1602.005,"end":1602.505},{"sentences":[{"text":"do next.","start":1602.05,"end":1602.71,"sentiment":"negative","sentiment_score":-0.42932267487049103}],"sentiment":"negative","sentiment_score":-0.42932267487049103,"channel":0,"num_words":2,"start":1602.05,"end":1602.71},{"sentences":[{"text":"That's crazy.","start":1603.6849,"end":1604.985,"sentiment":"negative","sentiment_score":-0.4390445947647095}],"sentiment":"negative","sentiment_score":-0.4390445947647095,"channel":1,"num_words":2,"start":1603.6849,"end":1604.985},{"sentences":[{"text":"Yeah.","start":1605.645,"end":1605.9651,"sentiment":"neutral","sentiment_score":-0.14908729493618011},{"text":"It's it's kind of just like the, you know, the the morning coffee cooler talk at the moment.","start":1605.9651,"end":1610.285,"sentiment":"neutral","sentiment_score":-0.17868954812486967},{"text":"It's just it's crazy kind of what is occurring each sort of day.","start":1610.285,"end":1613.5651,"sentiment":"neutral","sentiment_score":-0.24251304337611565},{"text":"It's like it's almost like you need a bingo card, but it's for the worst possible outcomes at the moment.","start":1613.5651,"end":1618.63,"sentiment":"neutral","sentiment_score":-0.28991391584277154},{"text":"So in saying that, though, war tends not to have, like, the like, a a major major downturn effect on market as things like terrorist attacks and things like that do.","start":1618.63,"end":1628.9501,"sentiment":"neutral","sentiment_score":-0.266583745998721}],"sentiment":"neutral","sentiment_score":-0.24795835142035083,"channel":0,"num_words":83,"start":1605.645,"end":1628.9501},{"sentences":[{"text":"Obviously, it does cause a lot of fluctuation, a lot of short term volatility, but in terms of, like, market rebound, it tends to be a lot smoother than other sort of world events as well.","start":1628.9501,"end":1638.635,"sentiment":"neutral","sentiment_score":-0.04124920660008987},{"text":"So as long as it doesn't evolve into, you know, World War three, the current walls, although they are having quite the effect on the markets currently, hopefully, is a bit more short lived much like the the Trump tariff announcements that occurred at the start of last year that caused","start":1638.695,"end":1654.06,"sentiment":"neutral","sentiment_score":-0.27295396301676245}],"sentiment":"neutral","sentiment_score":-0.1770761327753807,"channel":0,"num_words":87,"start":1628.9501,"end":1654.06},{"sentences":[{"text":"Yep.","start":1653.785,"end":1654.285,"sentiment":"neutral","sentiment_score":-0.2631133496761322}],"sentiment":"neutral","sentiment_score":-0.2631133496761322,"channel":1,"num_words":1,"start":1653.785,"end":1654.285},{"sentences":[{"text":"the markets to have a bit of haywire as well.","start":1654.06,"end":1656.105,"sentiment":"negative","sentiment_score":-0.5160868793725968}],"sentiment":"negative","sentiment_score":-0.5160868793725968,"channel":0,"num_words":10,"start":1654.06,"end":1656.105},{"sentences":[{"text":"Yeah.","start":1656.665,"end":1657.165,"sentiment":"neutral","sentiment_score":-0.11356619000434875}],"sentiment":"neutral","sentiment_score":-0.11356619000434875,"channel":1,"num_words":1,"start":1656.665,"end":1657.165},{"sentences":[{"text":"But in saying that, if you did sort of change up your investments and six months after that dropped by 20% just due to, like, market trends there, like, you know, the war continues as another announcement, things like that, would you still hold your investments and wait for the long term for for those to recover?","start":1658.985,"end":1672.88,"sentiment":"neutral","sentiment_score":-0.18387864592174688}],"sentiment":"neutral","sentiment_score":-0.18387864592174688,"channel":0,"num_words":57,"start":1658.985,"end":1672.88},{"sentences":[{"text":"You know, I think if there's all these companies that aren't gonna go anywhere, I think calling out for recovery is the best idea in my limited financial knowledge.","start":1674.6,"end":1689.035,"sentiment":"neutral","sentiment_score":-0.12574252820220486}],"sentiment":"neutral","sentiment_score":-0.12574252820220486,"channel":1,"num_words":29,"start":1674.6,"end":1689.035},{"sentences":[{"text":"Yeah.","start":1690.155,"end":1690.635,"sentiment":"neutral","sentiment_score":0.013065427541732788},{"text":"And if","start":1690.635,"end":1691.035,"sentiment":"neutral","sentiment_score":0.005010697990655899}],"sentiment":"neutral","sentiment_score":0.007695607841014862,"channel":0,"num_words":3,"start":1690.155,"end":1691.035},{"sentences":[{"text":"You","start":1690.935,"end":1691.095,"sentiment":"neutral","sentiment_score":-0.0084708072245121}],"sentiment":"neutral","sentiment_score":-0.0084708072245121,"channel":1,"num_words":1,"start":1690.935,"end":1691.095},{"sentences":[{"text":"anything,","start":1691.035,"end":1691.355,"sentiment":"neutral","sentiment_score":-0.0004654116928577423}],"sentiment":"neutral","sentiment_score":-0.0004654116928577423,"channel":0,"num_words":1,"start":1691.035,"end":1691.355},{"sentences":[{"text":"know?","start":1691.095,"end":1691.595,"sentiment":"neutral","sentiment_score":-0.00522819347679615}],"sentiment":"neutral","sentiment_score":-0.00522819347679615,"channel":1,"num_words":1,"start":1691.095,"end":1691.595},{"sentences":[{"text":"would you still, like, put contributions into your super during those time frames when the markets are down?","start":1691.355,"end":1696.23,"sentiment":"neutral","sentiment_score":-0.017489774152636528}],"sentiment":"neutral","sentiment_score":-0.017489774152636528,"channel":0,"num_words":18,"start":1691.355,"end":1696.23},{"sentences":[{"text":"I hadn't really thought of that.","start":1699.22,"end":1700.42,"sentiment":"neutral","sentiment_score":-0.12059979140758514},{"text":"I will be trying to put them in regardless because at the end","start":1700.42,"end":1703.78,"sentiment":"neutral","sentiment_score":0.0565329073713376}],"sentiment":"neutral","sentiment_score":0.0005962656516777841,"channel":1,"num_words":19,"start":1699.22,"end":1703.78},{"sentences":[{"text":"Yep.","start":1703.75,"end":1704.25,"sentiment":"neutral","sentiment_score":0.0957321673631668}],"sentiment":"neutral","sentiment_score":0.0957321673631668,"channel":0,"num_words":1,"start":1703.75,"end":1704.25},{"sentences":[{"text":"of the day, any contributions is better than no contributions.","start":1703.78,"end":1710.085,"sentiment":"neutral","sentiment_score":0.043643375486135484}],"sentiment":"neutral","sentiment_score":0.043643375486135484,"channel":1,"num_words":10,"start":1703.78,"end":1710.085},{"sentences":[{"text":"Yeah.","start":1711.525,"end":1711.925,"sentiment":"neutral","sentiment_score":0.1359787881374359},{"text":"And in terms of that, like, it can be, like you said, if it's companies that you have faith in returning in terms of their value and they've just lost it on paper, you don't typically lose until you're actually sold out of something.","start":1711.925,"end":1722.965,"sentiment":"neutral","sentiment_score":0.0360924212092703},{"text":"So in saying that with all those dips at the market, it doesn't matter until you're, like, a retiree, basically, and looking to, you know, get a chunk of your money out.","start":1722.965,"end":1730.26,"sentiment":"neutral","sentiment_score":0.04914000234566629},{"text":"Otherwise,","start":1730.56,"end":1731.06,"sentiment":"neutral","sentiment_score":-0.010639425367116928}],"sentiment":"neutral","sentiment_score":0.04212674321845556,"channel":0,"num_words":78,"start":1711.525,"end":1731.06},{"sentences":[{"text":"Yep.","start":1730.8201,"end":1731.3201,"sentiment":"neutral","sentiment_score":-0.009804679080843924}],"sentiment":"neutral","sentiment_score":-0.009804679080843924,"channel":1,"num_words":1,"start":1730.8201,"end":1731.3201},{"sentences":[{"text":"everything else is just on paper.","start":1731.12,"end":1732.48,"sentiment":"neutral","sentiment_score":-0.07348832115530968},{"text":"So at that time, you know, that is occurring, and the prices are down.","start":1732.48,"end":1735.6,"sentiment":"neutral","sentiment_score":-0.10757083206304482},{"text":"If you're putting money still into your superannuation, you're getting those stocks at a lower price.","start":1735.6,"end":1739.28,"sentiment":"neutral","sentiment_score":0.0494954168680124},{"text":"So when they do at some point, return unfortunately, you know, you've got a fair bit of working life left behind you.","start":1739.28,"end":1744.715,"sentiment":"neutral","sentiment_score":-0.12439587847753004},{"text":"There's plenty of time for those to return and then grow by then some.","start":1745.015,"end":1748.235,"sentiment":"neutral","sentiment_score":-0.013907525688409805}],"sentiment":"neutral","sentiment_score":-0.05675568877874563,"channel":0,"num_words":72,"start":1731.12,"end":1748.235},{"sentences":[{"text":"Yep.","start":1748.0851,"end":1748.5851,"sentiment":"neutral","sentiment_score":0.10780183970928192}],"sentiment":"neutral","sentiment_score":0.10780183970928192,"channel":1,"num_words":1,"start":1748.0851,"end":1748.5851},{"sentences":[{"text":"Does that make sense?","start":1748.6951,"end":1749.835,"sentiment":"neutral","sentiment_score":0.13239178992807865}],"sentiment":"neutral","sentiment_score":0.13239178992807865,"channel":0,"num_words":4,"start":1748.6951,"end":1749.835},{"sentences":[{"text":"Yep.","start":1750.0851,"end":1750.5851,"sentiment":"neutral","sentiment_score":0.3019380569458008}],"sentiment":"neutral","sentiment_score":0.3019380569458008,"channel":1,"num_words":1,"start":1750.0851,"end":1750.5851},{"sentences":[{"text":"Perfect.","start":1751.895,"end":1752.24,"sentiment":"positive","sentiment_score":0.5453284978866577},{"text":"And then with, like, COVID and things like that, when you you super did take a little bit of a hit there, did that make you, like, concerned at all, or you're just a little bit cautious of what's going on but not too fast?","start":1752.72,"end":1763.22,"sentiment":"neutral","sentiment_score":-0.06132438422905074}],"sentiment":"neutral","sentiment_score":-0.048136278096100556,"channel":0,"num_words":46,"start":1751.895,"end":1763.22},{"sentences":[{"text":"Not too fast.","start":1764.535,"end":1765.495,"sentiment":"neutral","sentiment_score":-0.13917113343874613},{"text":"I think, you know, so long as it does doesn't all dip down when I'm 64 years age of age, there's not much I can really do about at this stage.","start":1765.495,"end":1775.515,"sentiment":"neutral","sentiment_score":-0.25848531482681153},{"text":"You know, it's the long game rather than the short 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some of the equity out and refinancing into and reinvesting into either property or investment.","start":1793.2251,"end":1810.42,"sentiment":"neutral","sentiment_score":0.017369433465163883}],"sentiment":"neutral","sentiment_score":0.017369433465163883,"channel":1,"num_words":41,"start":1793.2251,"end":1810.42},{"sentences":[{"text":"Yep.","start":1811.37,"end":1811.87,"sentiment":"neutral","sentiment_score":0.08366404473781586},{"text":"And","start":1812.09,"end":1812.25,"sentiment":"neutral","sentiment_score":0.08409985154867172}],"sentiment":"neutral","sentiment_score":0.08388194814324379,"channel":0,"num_words":2,"start":1811.37,"end":1812.25},{"sentences":[{"text":"So","start":1812.24,"end":1812.74,"sentiment":"neutral","sentiment_score":0.09086893498897552}],"sentiment":"neutral","sentiment_score":0.09086893498897552,"channel":1,"num_words":1,"start":1812.24,"end":1812.74},{"sentences":[{"text":"then with that, that's obviously something we can help you 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never things like that.","start":1823.5049,"end":1831.65,"sentiment":"neutral","sentiment_score":-0.026926619678058407}],"sentiment":"neutral","sentiment_score":-0.026926619678058407,"channel":0,"num_words":44,"start":1823.5049,"end":1831.65},{"sentences":[{"text":"Yeah.","start":1831.545,"end":1831.865,"sentiment":"neutral","sentiment_score":0.003780619241297245},{"text":"No.","start":1831.865,"end":1832.105,"sentiment":"neutral","sentiment_score":-0.022643646225333217},{"text":"I've got we've got a broker that we've been 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reports as well, obviously, they'll send out a copy of, like, your reports when they send out the AR pack in that.","start":1841.73,"end":1848.715,"sentiment":"neutral","sentiment_score":0.18317313359252044},{"text":"They'll do, like, a twelve month report, which as I said, they're sitting around the sort of 11.4% at the moment, which is, you know, great considering everything that is happening.","start":1848.715,"end":1856.355,"sentiment":"neutral","sentiment_score":0.2712006367021991},{"text":"I can let you know sort of as a a rolling return of sort of average what you've achieved since you've been onboard is sitting around the the 9.01% after fees in terms of return that you have gotten averaged out since the time you've been onboard 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contributing there at the moment, it's really quite nice growth that is going in.","start":1880.105,"end":1885.71,"sentiment":"positive","sentiment_score":0.5712434366345406}],"sentiment":"positive","sentiment_score":0.6280004419386387,"channel":0,"num_words":40,"start":1873.3049,"end":1885.71},{"sentences":[{"text":"Yeah.","start":1886.245,"end":1886.745,"sentiment":"neutral","sentiment_score":0.16638675332069397},{"text":"Yeah.","start":1887.765,"end":1888.245,"sentiment":"neutral","sentiment_score":0.11954784393310548},{"text":"Yeah.","start":1888.245,"end":1888.485,"sentiment":"neutral","sentiment_score":0.1095227673649788},{"text":"We have been we I have been also considering using super to buy investment properties as well, like going to a self managed.","start":1888.485,"end":1899.23,"sentiment":"neutral","sentiment_score":0.10302579597286556},{"text":"What's 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it.","start":2070.075,"end":2076.69,"sentiment":"neutral","sentiment_score":-0.16734151186590845}],"sentiment":"neutral","sentiment_score":-0.12623879176221395,"channel":0,"num_words":76,"start":2056.4202,"end":2076.69},{"sentences":[{"text":"Yeah.","start":2077.61,"end":2078.01,"sentiment":"neutral","sentiment_score":0.05348115786910057},{"text":"Alright.","start":2078.01,"end":2078.4102,"sentiment":"neutral","sentiment_score":0.2763819098472595},{"text":"Cool.","start":2078.4102,"end":2078.9102,"sentiment":"positive","sentiment_score":0.4762241244316101}],"sentiment":"neutral","sentiment_score":0.26869573071599007,"channel":1,"num_words":3,"start":2077.61,"end":2078.9102},{"sentences":[{"text":"Not a problem.","start":2080.29,"end":2080.93,"sentiment":"positive","sentiment_score":0.4004124502340953},{"text":"Is there anything else you wanna chat about there, Andrew, in regards to anything at all?","start":2080.93,"end":2084.63,"sentiment":"neutral","sentiment_score":0.165155622176826}],"sentiment":"neutral","sentiment_score":0.20230143713323692,"channel":0,"num_words":19,"start":2080.29,"end":2084.63},{"sentences":[{"text":"Not at the moment.","start":2085.255,"end":2086.2148,"sentiment":"neutral","sentiment_score":-0.2553853839635849},{"text":"I think that's pretty good at this point in time.","start":2086.2148,"end":2088.635,"sentiment":"neutral","sentiment_score":-0.01207078667357564},{"text":"Yeah.","start":2091.095,"end":2091.4148,"sentiment":"neutral","sentiment_score":-0.07435701042413712},{"text":"I haven't got anything more on the top of my head.","start":2091.4148,"end":2093.7,"sentiment":"neutral","sentiment_score":-0.20830075984651392},{"text":"So yeah.","start":2095.7,"end":2096.44,"sentiment":"neutral","sentiment_score":-0.054569294676184654}],"sentiment":"neutral","sentiment_score":-0.12918047716708056,"channel":1,"num_words":28,"start":2085.255,"end":2096.44},{"sentences":[{"text":"No.","start":2096.5798,"end":2096.98,"sentiment":"neutral","sentiment_score":-0.15546028316020966},{"text":"All good.","start":2096.98,"end":2097.64,"sentiment":"neutral","sentiment_score":-0.018586181104183197}],"sentiment":"neutral","sentiment_score":-0.06421088178952535,"channel":1,"num_words":3,"start":2096.5798,"end":2097.64},{"sentences":[{"text":"So is it as I said, I'll sort of start a note on this just so they can start the research a bit falls.","start":2098.145,"end":2103.39,"sentiment":"neutral","sentiment_score":-0.025824454613029957},{"text":"You know, they've run out of work, which are are down at the moment.","start":2103.39,"end":2105.63,"sentiment":"neutral","sentiment_score":-0.2192984792803015},{"text":"There is a bit of a backlog, but then I'll chuck you down for a three month follow-up, and then we'll really get the ball sort of rolling there just to do that little update with Benelon.","start":2105.63,"end":2112.45,"sentiment":"neutral","sentiment_score":0.04042953368578408},{"text":"In that time frame, we never know.","start":2113.0698,"end":2114.3499,"sentiment":"neutral","sentiment_score":0.025660852236407145},{"text":"They might sort of make a bit of recovery as well and recoup a bit of that loss.","start":2114.3499,"end":2117.3098,"sentiment":"neutral","sentiment_score":-0.015058100637462404}],"sentiment":"neutral","sentiment_score":-0.02285492720082402,"channel":0,"num_words":100,"start":2098.145,"end":2117.3098},{"sentences":[{"text":"But if you're happy with that 15 or more 10% now just riding at the moment while you sort of sort a few things out, and then we can discuss your insurances and the investments a bit more at that later date.","start":2117.3098,"end":2126.9448,"sentiment":"neutral","sentiment_score":0.24337059631943703}],"sentiment":"neutral","sentiment_score":0.24337059631943703,"channel":0,"num_words":42,"start":2117.3098,"end":2126.9448},{"sentences":[{"text":"Sounds good.","start":2127.48,"end":2128.78,"sentiment":"positive","sentiment_score":0.742904782295227}],"sentiment":"positive","sentiment_score":0.742904782295227,"channel":1,"num_words":2,"start":2127.48,"end":2128.78},{"sentences":[{"text":"Crazy, mate.","start":2129.7249,"end":2130.285,"sentiment":"positive","sentiment_score":0.743861734867096},{"text":"Well, you enjoy the rest of your day.","start":2130.285,"end":2131.565,"sentiment":"positive","sentiment_score":0.773197129368782},{"text":"Thanks for your time, and I'll talk to you shortly, I'm sure.","start":2131.565,"end":2134.563,"sentiment":"positive","sentiment_score":0.6291255429387093}],"sentiment":"positive","sentiment_score":0.6919457736340436,"channel":0,"num_words":22,"start":2129.7249,"end":2134.563},{"sentences":[{"text":"Alrighty.","start":2135.1829,"end":2135.6829,"sentiment":"positive","sentiment_score":0.4730002284049988},{"text":"Thanks very much.","start":2135.743,"end":2136.803,"sentiment":"positive","sentiment_score":0.7762144605318705}],"sentiment":"positive","sentiment_score":0.7004109025001526,"channel":1,"num_words":4,"start":2135.1829,"end":2136.803},{"sentences":[{"text":"No problem, Andrew.","start":2137.123,"end":2137.843,"sentiment":"positive","sentiment_score":0.5879296660423279},{"text":"You enjoy the rest of your day.","start":2137.843,"end":2138.723,"sentiment":"positive","sentiment_score":0.726066665990012},{"text":"Thanks.","start":2138.723,"end":2139.223,"sentiment":"positive","sentiment_score":0.6342543363571167},{"text":"Bye.","start":2139.523,"end":2140.023,"sentiment":"neutral","sentiment_score":-0.060280680656433105}],"sentiment":"positive","sentiment_score":0.6183524429798126,"channel":0,"num_words":12,"start":2137.123,"end":2140.023}]},"summary":{"result":"success","short":"During a call with a financial agent, the customer discussed their financial situation, retirement plans, and health insurance policy. The agent explained the customer's income and retirement plans, and suggested using their account to pay off their superann sick account. The customer was advised to use their account to pay off their superann sick account and given information on their accounts. The agent also discussed the customer's health insurance policy and their goals for the policy. They emphasized the importance of managing the risk tolerance and risk reward for the customer's investment properties. The agent suggested revisiting the pre assessment process and updating advice."},"intents":{"segments":[{"text":"I just scheduled in for you and your review. Is Nestle a good time for you?","start_word":23,"end_word":38,"intents":[{"intent":"Schedule review","confidence_score":0.18988062}]},{"text":"And is it still just the two dependents at home?","start_word":388,"end_word":397,"intents":[{"intent":"Gather information","confidence_score":0.0034508836}]},{"text":"And as far as your role goes there, Andrew, are you doing maintenance work there and you're self employed? Are you still doing that role?","start_word":400,"end_word":424,"intents":[{"intent":"Confirm role availability","confidence_score":0.00030980792},{"intent":"Identify self-employed status","confidence_score":0.003171062}]},{"text":"And as far as your role goes there, Andrew, are you doing maintenance work there and you're self employed? Are you still doing that role? Yep. Perfect. And as far as, like, job duties at the moment, are you still, like, a 100% out in the the field with that one? Do you have a few people? Do you do a bit more office admin work these days? No.","start_word":400,"end_word":468,"intents":[{"intent":"Check availability","confidence_score":0.0017066072}]},{"text":"And as far as contributions go, I know you weren't, like, currently for the last, like, the last few years contributing to your superannuation. Have you decided to, you know, maybe review that in future? Or Yep.","start_word":1020,"end_word":1056,"intents":[{"intent":"Clarify and discuss contributions","confidence_score":0.00002612249}]},{"text":"with that, though, obviously, money going in after tax to your superannuation because fees and everything like that are, like, deducted proportionately.","start_word":1307,"end_word":1328,"intents":[{"intent":"Calculate deductions","confidence_score":0.011024052}]},{"text":"But we can sort of just give you some more general information if you ever sort of wanna have a chat about it, but that's more than fun. Yes.","start_word":1436,"end_word":1464,"intents":[{"intent":"Obtain general information","confidence_score":0.0075359126}]},{"text":"As far as the assets and liabilities go, I had here you had the the three cars and then the house at the moment now. With the three cars, I had the combined debt value around 80,000 85,000.","start_word":1465,"end_word":1502,"intents":[{"intent":"Discuss debt value","confidence_score":0.10578723}]},{"text":"As far as the assets and liabilities go, I had here you had the the three cars and then the house at the moment now. With the three cars, I had the combined debt value around 80,000 85,000. Is that sort of changed much at all? Have you sold any of those It's cars?","start_word":1465,"end_word":1518,"intents":[{"intent":"Clarify car ownership","confidence_score":0.005673423}]},{"text":"I've just got car written three times. There's no actual make or model here because we didn't speak the last time. I'm not too sure because I've got the the one worth a 100,000, which I'm pretty sure would be a work vehicle. Yep.","start_word":1565,"end_word":1608,"intents":[{"intent":"Clarify car details","confidence_score":0.022871707}]},{"text":"Is that like a Hilux, or is that like Yep. a Land Cruiser? Hilux?","start_word":1609,"end_word":1622,"intents":[{"intent":"Confirm car model","confidence_score":0.091132104},{"intent":"Confirm car details","confidence_score":0.1265798}]},{"text":"And is that loan solely attached to your like the work car?","start_word":1736,"end_word":1747,"intents":[{"intent":"Confirm loan","confidence_score":0.0005388057},{"intent":"Ask about loan term","confidence_score":0.00002684588},{"intent":"Clarify loan purpose","confidence_score":0.000063528656}]},{"text":"As far as any other assets and liabilities that we're not really aware of, is there anything else that No. Not that really. have yep. Do you have a little bit in, like, an offset account or a savings account that you're sort of trying to obviously, you know, the cost of living is a bit rough, but trying to have a bit of a cash buffer in?","start_word":1967,"end_word":2034,"intents":[{"intent":"Address financial concerns","confidence_score":0.0002490479}]},{"text":"And as far as health goes, are you currently smoking, nonsmoking? Sounds like me.","start_word":2126,"end_word":2139,"intents":[{"intent":"Discuss health","confidence_score":0.0067171087}]},{"text":"And your health's been largely well for the the past year. No unexpected health changes, injuries, hospital trips? Everything's pretty good? Right.","start_word":2141,"end_word":2162,"intents":[{"intent":"Confirm health status","confidence_score":0.015627252}]},{"text":"And do you have private health cover at the moment? Yep. Yep.","start_word":2277,"end_word":2288,"intents":[{"intent":"Determine insurance coverage","confidence_score":0.002612369}]},{"text":"and I know you've got your beneficiary and forms in place with your partner, but have you managed to get around to setting up a will at all?","start_word":2301,"end_word":2328,"intents":[{"intent":"Confirm will","confidence_score":0.21482417}]},{"text":"Obviously, being a huge de facto partner, sometimes you plan on getting married as well in sort of the near future. Obviously, marriages No. do okay. Not No. married people. Yeah.","start_word":2389,"end_word":2419,"intents":[{"intent":"Clarify spouse","confidence_score":0.00015804039}]},{"text":"As far as goals that you're working towards there, Andrew, is there anything in the short term, obviously, other than, you know, just focusing on the young family at the moment, making sure everything's sticking along that you're sort of working towards?","start_word":2719,"end_word":2760,"intents":[{"intent":"Analyze financial goals","confidence_score":0.00089151954}]},{"text":"So main goals for would just be paying down the debt, focusing on the young family. Yeah.","start_word":2826,"end_word":2842,"intents":[{"intent":"Manage debts","confidence_score":0.0012047057}]},{"text":"Because for us to revisit underwriting again, we'd put you through a post of what's called that pre assessment again, just where we ask a little bit more about your occupation and health. And then we just Yep.","start_word":3160,"end_word":3197,"intents":[{"intent":"Assess underwriting","confidence_score":0.0429658}]},{"text":"Their corporate traveler investment made Benelon have to reevaluate that stock.","start_word":3469,"end_word":3479,"intents":[{"intent":"Evaluate stock","confidence_score":0.6212382}]},{"text":"We can look to remove it with an active portion again and have another managed fund that tries to outperform the market, or we can look to just go passive with that investment and then have that to where it just follows the indexes much like the rest of your portfolio, which can also just reduce the the overall cost of investing.","start_word":3521,"end_word":3582,"intents":[{"intent":"Reduce cost","confidence_score":0.04624917}]},{"text":"I think I like, I just yeah. I need to have a look at everything, all the performances from this year and sit down and, like, spend a few hours going through it all before I make any decisions on on anything future.","start_word":3677,"end_word":3719,"intents":[{"intent":"Review portfolio performance","confidence_score":0.1195688}]},{"text":"I'm happy to sort of even just give you a bit of time with everything following today and book in for maybe a three month follow-up when things fell down a little bit maybe for you, and then sort of we can go over it then because you've made the loss now, and it's not the hugest portion of your portfolio.","start_word":3775,"end_word":3835,"intents":[{"intent":"Book follow-up","confidence_score":0.38439083}]},{"text":"And then maybe you'll have a bit more time to go over the insurance matters there as well Well, and do a look, review it of that.","start_word":3837,"end_word":3863,"intents":[{"intent":"Review portfolio","confidence_score":0.0038317067}]},{"text":"So with that, your allocation to, like, growth assets. So if you have a passive or an active, you're still invested in things like shares, which are all, like, considered growth assets.","start_word":3910,"end_word":3941,"intents":[{"intent":"Assess impact of growth assets","confidence_score":0.00014454125}]},{"text":"Whereas the the fund manager itself builds a portfolio based on what they believe is, like, market value, whether Yep.","start_word":4036,"end_word":4055,"intents":[{"intent":"Evaluate fund manager's decision","confidence_score":0.008191108},{"intent":"Evaluate portfolio value","confidence_score":0.060673963},{"intent":"Evaluate market value","confidence_score":0.15336397}]},{"text":"They're the ones that do the picking and choosing, whereas the industry does that for you just based on a set of metrics, whether that's, like, market cap size.","start_word":4083,"end_word":4111,"intents":[{"intent":"Evaluate industry metrics","confidence_score":0.01707286}]},{"text":"essentially, they stick to their metric. They just go with the metric, whereas a manager basically is picking winners. And then when they get it wrong, obviously, it doesn't go too great. When they get it right, they outperform the market.","start_word":4127,"end_word":4167,"intents":[{"intent":"Clarify metric preferences","confidence_score":0.000025658612}]},{"text":"Well, it's not a big portion of the portfolio. Maybe just change it up to a active. Another active?","start_word":4200,"end_word":4218,"intents":[{"intent":"Evaluate portfolio options","confidence_score":0.0077575203}]},{"text":"You don't currently have trauma insurance as well, which I'm not too sure how much you remember of that from the conversation that may have happened, you know, five years ago. But that's that insurance that covers the things like heart attacks, strokes, traumatic events that may not fall under, like, your total permanent disability income protection style covers. Yep.","start_word":4583,"end_word":4642,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.2414783}]},{"text":"Gold is considered a bit more of a growth asset at the moment just the way it's been performing, but you could also consider that a little bit to be defensive in the sense that during market downturns, it tends to go up in price a bit as well. Yep.","start_word":4829,"end_word":4878,"intents":[{"intent":"Analyze gold markets","confidence_score":0.032303646}]},{"text":"But in saying that, if you did sort of change up your investments and six months after that dropped by 20% just due to, like, market trends there, like, you know, the war continues as another announcement, things like that, would you still hold your investments and wait for the long term for for those to recover?","start_word":5176,"end_word":5232,"intents":[{"intent":"Change investments","confidence_score":0.07055094},{"intent":"Recover from market trends","confidence_score":0.008271975}]},{"text":"would you still, like, put contributions into your super during those time frames when the markets are down?","start_word":5267,"end_word":5284,"intents":[{"intent":"Put contributions in super","confidence_score":0.28142053}]},{"text":"If you're putting money still into your superannuation, you're getting those stocks at a lower price. So when they do at some point, return unfortunately, you know, you've got a fair bit of working life left behind you. There's plenty of time for those to return and then grow by then some. Yep.","start_word":5414,"end_word":5466,"intents":[{"intent":"Return money and grow by","confidence_score":0.000015077083}]},{"text":"And then opposed to the current loan you do have for, like, property and business equipment, would you ever put borrowed money into, like, an investment property, any sort of other investments at a later date? Sort Yeah.","start_word":5564,"end_word":5601,"intents":[{"intent":"Discuss different loan options","confidence_score":0.00037605455},{"intent":"Discuss loan options","confidence_score":0.038769104}]},{"text":"of, you know, I think We're hoping to look at that once my partner's back at full time work so that we can actually look at refinancing again and then getting some of the equity out and refinancing into and reinvesting into either property or investment.","start_word":5602,"end_word":5647,"intents":[{"intent":"Discuss refinancing and equity investments","confidence_score":0.13240379}]},{"text":"And then in regards to those reports as well, obviously, they'll send out a copy of, like, your reports when they send out the AR pack in that.","start_word":5770,"end_word":5797,"intents":[{"intent":"Send reports to brokerage","confidence_score":0.0000023941911}]},{"text":"And then in regards to those reports as well, obviously, they'll send out a copy of, like, your reports when they send out the AR pack in that. They'll do, like, a twelve month report, which as I said, they're sitting around the sort of 11.4% at the moment, which is, you know, great considering everything that is happening.","start_word":5770,"end_word":5828,"intents":[{"intent":"Provide report of progress","confidence_score":0.00002070071},{"intent":"Express gratitude","confidence_score":0.0046374174}]},{"text":"Most sort of specialists say anywhere between, like, the $507,100,000 dollar mark, a normal sort of retail or industry fund can compete with the returns that do get in your self made super funds just based on the fact that the cost of running them is a lot higher than having, like, a standardized super or or, like, a retail rep platform. And Yep.","start_word":6034,"end_word":6097,"intents":[{"intent":"Evaluate super funds","confidence_score":0.21167699}]},{"text":"And then, yeah, the the other main thing there as well is it's a thirty year loan most likely.","start_word":6259,"end_word":6277,"intents":[{"intent":"Discuss debt options and preferences","confidence_score":0.0000014090605}]},{"text":"You can also look up things on the ATO that I think things like that. They do release, like, reports on them and stuff as well.","start_word":6441,"end_word":6466,"intents":[{"intent":"Discuss axo recommendations and recommendations","confidence_score":0.0021819253}]},{"text":"Obviously, you know, if you go in with, you know, your partner and you're looking at, like, a $500,000 property, you still lack of diversification. It comes like it still can be a lot more affordable and things like that as well.","start_word":6527,"end_word":6568,"intents":[{"intent":"Discuss investment portfolio diversification and affordability","confidence_score":0.0011796246}]},{"text":"Is there anything else you wanna chat about there, Andrew, in regards to anything at all?","start_word":6597,"end_word":6612,"intents":[{"intent":"Information","confidence_score":0.0007752964}]}]},"sentiments":{"segments":[{"text":"Hello? Eddie speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.024146296083927155},{"text":"Good afternoon, Andrew.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.38937926292419434},{"text":"It's Carl calling from Oakview Financial. How are you today?","start_word":6,"end_word":15,"sentiment":"neutral","sentiment_score":0.25780096650123596},{"text":"Good day, sir. That's good to hear. I just scheduled in for you and your review.","start_word":16,"end_word":31,"sentiment":"positive","sentiment_score":0.5290635824203491},{"text":"Is Nestle a good time for you? Yep.","start_word":32,"end_word":39,"sentiment":"neutral","sentiment_score":0.28054264187812805},{"text":"Perfect. Not a problem at all.","start_word":40,"end_word":45,"sentiment":"positive","sentiment_score":0.3913896381855011},{"text":"Just to get started on that one, Andrew, if I could pass you to security, just that name, date of birth, and current address, we can get stuck into that one today. Yep. 28th Of The 1st 1979 And 53 Glencoe Crescent Seaweed.","start_word":46,"end_word":88,"sentiment":"neutral","sentiment_score":0.1710594892501831},{"text":"Perfect. Thank you.","start_word":89,"end_word":91,"sentiment":"positive","sentiment_score":0.459893137216568},{"text":"I just let you know these calls are recorded for quality and training purposes there as well. Now Yep. I don't believe we have spoken before, Andrew. I'm one of the financial advisers here at Oakview Financial. If you wanted to see me or the rest of the team that's here at the moment, they have updated the website there. You can see the most up to date financial services guide and Oakview services guide there as well with a few business updates that they've done if you'd Yep. like to have a look at those as well. I know Yep. you've done a few of these before there, Andrew. So I'll try and make it as short and sweet as possible as I can for you. We'll run through and do some updated track fund information, a risk profile, make sure that's up to date. I'll run through sort of what's occurred over the last twelve months. And then from there, the team will send you out to see a new review pack with the the twelve month performance, just your currency and things like that as well, if that's alright. Yeah. Perfect. I'll just go a few and confirm your details there. So are you currently still under a factor relationship at the moment or perfect. And still, Sofia is your next of kin contact? Yep. I don't have a a phone number here for Sofia. Did you wanna provide, like, a phone number and email in fact we couldn't reach you to reach out to her at any point? Yep. It is 0459 Yep. 323666. Was it 323? Sorry. It cut out there a little bit. 323666. Perfect. As I said, that's just the email that we couldn't reach you for whatever reason. And is it still just the two dependents at home? Yep.","start_word":92,"end_word":398,"sentiment":"neutral","sentiment_score":0.011304171749842672},{"text":"Perfect.","start_word":399,"end_word":399,"sentiment":"positive","sentiment_score":0.3419002294540405},{"text":"And as far as your role goes there, Andrew, are you doing maintenance work there and you're self employed? Are you still doing that role? Yep. Perfect. And as far as, like, job duties at the moment, are you still, like, a 100% out in the the field with that one? Do you have a few people? Do you do a bit more office admin work these days? No. It's still one man band. So it's stopped. So baby to field work, baby to work on the computer. 30. Probably like a seventy thirty sort of split of, like, out there actually doing the work and then 30% having to deal with the invoices afterwards. Probably probably in 8020. A '20. K. And then as far as a name that you've Oh, given your your business there, have you got that sorted yet? Because we didn't have one the last time you spoke to us. really? Or maybe they just didn't track it down. They and instead the a few Andy of the old. Mann NT. Perfect. And as far as hours per week that you're doing, you're doing like a standard work week. Obviously, it's your own, you know, own show. You're probably doing a bit more, but is the average week around the forty, forty five hours sort of thing? Yeah. Probably about thirty five forty because I'm only doing it for four days on on tools, one day at home with my son and doing quoting and other stuff while he sleeps. Okay. Yep. Perfect. And how long have you been doing that sort of industry of, like, the maintenance work, if you don't mind me asking? What are we now? About six years in this in being self employed. It was mid nineteen nine mid twenty twenty nineteen that I started. Yep. And prior to that what were you doing prior to that? Sorry. Just because we haven't spoken. Construction. Construction. And you're not doing any work above 12 meters at the moment, are you? No. Not dealing with any hazardous materials, not, like, doing any asbestos removal, things like that? No.","start_word":400,"end_word":755,"sentiment":"neutral","sentiment_score":-0.024173572969170328},{"text":"Great.","start_word":756,"end_word":756,"sentiment":"positive","sentiment_score":0.3645397126674652},{"text":"And as far as income's concerned, I know your pay is up around 75 per annum the last time you spoke to us there? Is that sort of similar or has that changed? Gross or take home? Gross or after before after You can just do the the gross and you can let us tax? know the net if you'd like. Probably about a 100 gross, just off the top of my head. Yep. And do you pay yourself any sort of dividends or anything like that from the business? Sorry? Do you pay yourself any sort of, like, dividends being the business owner and things like that? Or, like, it you're it's fully under, like, self employed. It's not a company? No. It's not a company. Okay. So sole sole trader. Perfect. And as far as, like, expenditure versus savings per week, do you know roughly sort of what your ins and out goings feel like the home budget is looking like at the moment? Oh, not at the top of my head. No. Is there an amount you sort of roughly try to put like in an offset account or savings per week? Not at the moment. We just we've got a young child. Her wife's Yeah. still on mat leave, but everything's going to pay off whatever the bill's the most pressing at the time. No. Completely understandable.","start_word":757,"end_word":987,"sentiment":"neutral","sentiment_score":-0.018199242651462555},{"text":"Obviously, the cost of living at the moment, it's not too easy at the best of times. Having a younger family makes that a little bit harder there as well.","start_word":988,"end_word":1017,"sentiment":"negative","sentiment_score":-0.39987120032310486},{"text":"Yep. Understandable. And as far as contributions go, I know you weren't, like, currently for the last, like, the last few years contributing to your superannuation. Have you decided to, you know, maybe review that in future? Or Yep. Did that. And so what I have been doing is I have been putting 20% of all invoices that come in aside for GST and then for the super. Yep. But due to the current financial crisis that's going on at my house, I've Yep. had to just strip that all away and pay off the most pressing thing.","start_word":1018,"end_word":1115,"sentiment":"neutral","sentiment_score":-0.012801600810216395},{"text":"But, yeah, generally, it's definitely my practice that this year I'm gonna start adding in. Yep. Perfect. And then will you be doing that, like, through your your account?","start_word":1116,"end_word":1144,"sentiment":"positive","sentiment_score":0.39607495069503784},{"text":"Do you plan on doing it, like, just lump sum at the end of the year when you do, like, you sorta tax return around that sort of time? When once everything's up to date, I will be doing you know, paying off my quarterly GST, and then whatever's left in that account will be paid into super.","start_word":1145,"end_word":1202,"sentiment":"neutral","sentiment_score":0.30425408482551575},{"text":"Perfect. There's a few ways you can sort of do it as well.","start_word":1203,"end_word":1215,"sentiment":"positive","sentiment_score":0.5944012403488159},{"text":"Obviously, you can speak to your accountant on how you sort of want to do it. But with that, you can obviously just, like, chuck it in because you're a sole trader. Obviously, all your income's considered, like, take home income under the business, and super is not a a deduction there for you. But in saying that you can sort of just chuck it in, like, after tax money and then go to claim a notice of intent at the end of the year with your account. Yep. The Yep. with that, though, obviously, money going in after tax to your superannuation because fees and everything like that are, like, deducted proportionately. It will affect the amount that you can actually claim unless you claim your notes of intent each quarter when you put that money in, or you could look to sort of do it through some sort of accounting software with your account that makes it go in through SuperStream. So like any other pay PAYG or sort of salary sacrifice type payment. Yeah. Right. I'll I'll get up my account about that when time comes.","start_word":1216,"end_word":1404,"sentiment":"neutral","sentiment_score":0.20893312990665436},{"text":"Perfect.","start_word":1405,"end_word":1405,"sentiment":"positive","sentiment_score":0.7098035216331482},{"text":"If you do wanna have it, like, discussion or anything like that, obviously, you know, they're probably better suited to let know what way they do it for tax purposes. But we can sort of just give you some more general information if you ever sort of wanna have a chat about it, but that's more than fun. Yes. As far as the assets and liabilities go, I had here you had the the three cars and then the house at the moment now. With the three cars, I had the combined debt value around 80,000 85,000. Is that sort of changed much at all? Have you sold any of those It's cars? gone down to two it's gone down to two cars, but Yep. it combined The combined well, work is probably the same. And which car did you get rid of? Was that the $7,000 car? I've got rid of the truth. What cards you got down? I've just got car written three times. There's no actual make or model here because we didn't speak the last time. I'm not too sure because I've got the the one worth a 100,000, which I'm pretty sure would be a work vehicle. Yep. Is that like a Hilux, or is that like Yep. a Land Cruiser? Hilux? Yep. 30. And then they have a car worth around the 30,000 mark with something listed, Yeah. what car That's do fine. you think that oh, sorry. What was that? That's the one that went around 13,000. 30,000? Sorry? Yeah. That's the one that went. Yep. And then there's one around there. 7,000 what make is that one? Is that like? Yeah. No. We still got that. That's the wife's car. And this the department's car. Yep. Yep. And Yep. then That's as as far as the debt value goes, you know how much is owing on the the Hilux and the your partner's car? Our ring would probably be about 40,000. Yep. And is that loan solely attached to your like the work car? It's a equipment line through through NAB. So it's just through my business. Not So my business. it's it's not a car loan. It's just an equipment loan? Equipment line. Yeah. Yep. Yep. And as far as what's left owing on the house at the moment, do you know roughly what Yeah. 5 it's 7 hundred thousand. 500. It's going up a little bit. Is that because of the renovations you were doing? Yeah. It's refinanced. Yep. Yep. And how much is the value of that one sitting at at the moment? Alright. It'd be probably around 1,000,000. Okay. There's definitely been other houses sold in the area that have been getting the high eights that are nowhere near as good as this house. And I've Yep. had a quick conversation with the fellow that I do work for who's a real estate agent, and he sort he used to think it'd be around 1,000,000 at the moment.","start_word":1406,"end_word":1905,"sentiment":"neutral","sentiment_score":-0.02767622073367238},{"text":"Perfect.","start_word":1906,"end_word":1906,"sentiment":"positive","sentiment_score":0.3894115388393402},{"text":"Obviously, it doesn't matter, like, a whole heck. So that you after you do your renovations, you plan on jumping ship right at the moment, but good No. to know that you've added a bit of value to the home.","start_word":1907,"end_word":1946,"sentiment":"neutral","sentiment_score":0.14177653193473816},{"text":"So that's good. And you've refinanced to get the benefit of the the loan, which is good as well.","start_word":1947,"end_word":1965,"sentiment":"positive","sentiment_score":0.4276569485664368},{"text":"Yep. As far as any other assets and liabilities that we're not really aware of, is there anything else that No. Not that really. have yep. Do you have a little bit in, like, an offset account or a savings account that you're sort of trying to obviously, you know, the cost of living is a bit rough, but trying to have a bit of a cash buffer in? No. I'd like to, but we're on a week to week basis at the moment. Yep. No. Definitely understandable. Hopefully, things ease once your sort of partner gets to go back to to work a little bit as well there. Now apologies for these questions if you answered these previously as well. So they'd sort of bumped up the the the workbook a little bit, and there's a few sort of other copies. So it's not all consolidated, but you've never declared bankruptcy or a partner on debt agreement, have No. And as far as health goes, are you currently smoking, nonsmoking? Sounds like me. Right.","start_word":1966,"end_word":2140,"sentiment":"neutral","sentiment_score":-0.030294036492705345},{"text":"And your health's been largely well for the the past year.","start_word":2141,"end_word":2151,"sentiment":"positive","sentiment_score":0.5065498352050781},{"text":"No unexpected health changes, injuries, hospital trips?","start_word":2152,"end_word":2158,"sentiment":"neutral","sentiment_score":0.2939872741699219},{"text":"Everything's pretty good?","start_word":2159,"end_word":2161,"sentiment":"positive","sentiment_score":0.48969125747680664},{"text":"Right.","start_word":2162,"end_word":2162,"sentiment":"neutral","sentiment_score":0.26700401306152344},{"text":"Good to hear.","start_word":2163,"end_word":2165,"sentiment":"positive","sentiment_score":0.42425376176834106},{"text":"No medications at the moment? No. Only for ADHD, but that's not really for health. That's more mental health medication. Yeah. The the reason I asked these questions because obviously you've got insurances through Neos there as well. So we just like to make sure that, you know, Yep. if anything does changes because, you know, you can with the policy if your health is largely unchanged, look at rewriting things like that. If certain Yep. things do pop up, they're likely to be exclusions on newer policies. So we just like to make notes of them just in the event, you know, we do look at rewriting, so that's fine. And do you have private health cover at the moment? Yep. Yep. Yep. Is that hospitals and extras or just Hospitals and extras. Yeah. and I know you've got your beneficiary and forms in place with your partner, but have you managed to get around to setting up a will at all? I've got an older wheel. Does So that they're include the your youngest child? just it was before in children, and it's written to any dependents. Okay. No problem. So it probably does need to to have a little bit of a refresh that and, like, with conjunction, Alright. like, setting up things with power attorneys, things like that. Yep. Obviously, being a huge de facto partner, sometimes you plan on getting married as well in sort of the near future. Obviously, marriages No. do okay. Not No. married people. Yeah. Okay.","start_word":2166,"end_word":2420,"sentiment":"neutral","sentiment_score":-0.03546639159321785},{"text":"That that cost way too much money. We're not getting married.","start_word":2421,"end_word":2431,"sentiment":"negative","sentiment_score":-0.3948812647299333},{"text":"Completely understandable. You know, obviously, there's there's a courthouse weddings, but, you know, they're not too much funds. No. There's not really a point to it at that point, is there? There's there's no we're still we live with each other long enough that it doesn't really matter if you've got the ring on it or not. That's just if you separate, the same same happens. Exactly. You just gotta forecast $30 to pay for the meals with a bunch of people you probably don't wanna see anyway. Yep. So understandable. Obviously, there's the estate planning side of things, setting up a will power to any things like that. That's obviously important with having the young family. This one's a bit random too, but you're not a tax resident for any other jurisdiction other than Australia at the moment? Yep. And you or your family don't partake in any sort of politics or anything like that, do you? No. What was that? Yeah. Sorry. Politics? You're not involved in any sort of politics, local or otherwise, or any family members that No. are involved? No. No. Only in only in the on the around the dining table. Yeah. No. I completely understand. I know it sounds a bit random, obviously, in regards to, like, certain any money laundering legislation. It's just important that we sort of know who is politically exposed and then also, you know, if they're doing dodges, if someone's getting $30.30 grand regular contributions to, like, an investment account and they don't know where the money's coming from, those are sort of things we need to look out for, which obviously doesn't apply to you. So that's fine.","start_word":2432,"end_word":2712,"sentiment":"neutral","sentiment_score":-0.15618996322155},{"text":"Find me a little bit less.","start_word":2713,"end_word":2718,"sentiment":"negative","sentiment_score":-0.406554102897644},{"text":"As far as goals that you're working towards there, Andrew, is there anything in the short term, obviously, other than, you know, just focusing on the young family at the moment, making sure everything's sticking along that you're sort of working towards? I know your main thing was doing the the renovations there, but is there anything else that you're sort of working towards as a goal? Can't think of it at the moment. It's just sort of trying to make sure we're we've got a Yep. heads about water. And then once that sort of settles down, then we can sort of think along. Completely understandable.","start_word":2719,"end_word":2825,"sentiment":"neutral","sentiment_score":0.03769542771243604},{"text":"So main goals for would just be paying down the debt, focusing on the young family.","start_word":2826,"end_word":2841,"sentiment":"positive","sentiment_score":0.4874847829341888},{"text":"Yeah. That's right. Right? As far as insurances are concerned, we see we do like to, you know, just double check and see how you feel about them. You do have the income protection cover there that only covers for the monthly benefit around the 2,400. Now Yep. with your income increasing to that, like, a 100,000 mark, you cover up to 70% of, like, your income as, like, a monthly benefit amount for income protection. Now given that when you first took out the policy, your income was quite low in terms of, like, what your business was making Yep. because I believe you were just starting out. So 70% of, like, your 100,000 would be seen in, like, the 5,800 in terms of, like, a monthly benefit. Yep. So currently, yeah, you're about half that in terms of, like, what you're actually covered for and the that anything did go wrong. And then, obviously, I think about taxes, things like that. As far as the life and total disability portions, you do have more than enough to cover your current debts and then a Yep. little bit on top, say, if you were not able to work or draw an income to be able to sort of live off that in any sort of government assistance programs you may be eligible for. But do you feel like that's something you wanna review at this stage with your income protection cover, or is that something like, given how things are at the moment, you just wanna Yeah. I probably put off? need to sit down and review it. I think once I get this year's performance and everything in, I should sit down and have a good proper review on it. But, yeah, I haven't really thought of it much of late. But, yeah, you're right. I do need to have a proper look at it. Yeah. Because for us to revisit underwriting again, we'd put you through a post of what's called that pre assessment again, just where we ask a little bit more about your occupation and health. And then we just Yep. go off to the insurers, see how they'll rate you in terms of, like, your occupation and then also in regards to your health.","start_word":2842,"end_word":3221,"sentiment":"neutral","sentiment_score":0.0468540109890072},{"text":"Now being a handyman, unfortunately, isn't, like, the best rated occupation just due to, like, the odd jobs that you can do. So they kinda just rate you at the worst of what you're sorta able to do, which as a handyman, you can kinda do a bit of everything. So it's not fantastic.","start_word":3222,"end_word":3275,"sentiment":"negative","sentiment_score":-0.5731556415557861},{"text":"Yes. Health wise, I'm not too sure what would count less that during the pre assessment, but then you would be able to see sort of what they'll offer cover out, what pricing, things like that as well. And if we have to do look at retaining your current policy and then some top up things like that, that's all options there as well. Yeah. Cool. In saying that with, hey. Is that something you wanna potentially, like, do the pre assessment now and get that started? Because another thing we were looking at potentially doing there, I'm not too sure if you've, you know, had a look at the the markets, your portfolios, what's been happening, but there's a actively managed portion in your portfolio called Benelung. Now that Benelong fund did have an underlying investment. Makes out about, like, it was 15%, but now it's closer to the 10% of your portfolio. It's an actively managed fund. One of their underlying investments, corporate traveler, got done for not doing their accounting correctly. But if Yep.","start_word":3276,"end_word":3452,"sentiment":"neutral","sentiment_score":-0.07015671581029892},{"text":"you're doing a few dodgies, it caused them to be put on a trading halt. Their corporate traveler investment made Benelon have to reevaluate that stock. And as a result of that, it caused Benelon share price to take a bit of a dive in addition to losing a bit of consumer confidence there as well.","start_word":3453,"end_word":3508,"sentiment":"negative","sentiment_score":-0.5739113209503037},{"text":"So we were looking at removing phenolong. There's a few options there. We can look to remove it with an active portion again and have another managed fund that tries to outperform the market, or we can look to just go passive with that investment and then have that to where it just follows the indexes much like the rest of your portfolio, which can also just reduce the the overall cost of investing. Given Yep. that it is a minor portion of your portfolio or lesser sort of satellite portal, like performance piece. It hasn't affected your performance too much in terms of what the return you did receive for the year. So over the past twelve months, they still did around 11.4% even with all the world wars and everything going on, which isn't too bad at all. But in saying that as well, the Benelong did go back around 19% in that time period with that dip that did occur with that announcement. Yep. Yeah. I think I like, I just yeah. I need to have a look at everything, all the performances from this year and sit down and, like, spend a few hours going through it all before I make any decisions on on anything future.","start_word":3509,"end_word":3719,"sentiment":"neutral","sentiment_score":0.1842113733291626},{"text":"Because as I said, like, the rest of your portfolio is performing quite well.","start_word":3720,"end_word":3733,"sentiment":"positive","sentiment_score":0.3586409389972687},{"text":"It's just an active portion. Yep. As a business, they are moving away from that. So the options are is obviously just find an alternative passive replacement or an active replacement just to, like, knock out that 15% essentially of that.","start_word":3734,"end_word":3774,"sentiment":"neutral","sentiment_score":0.11240126937627792},{"text":"I'm happy to sort of even just give you a bit of time with everything following today and book in for maybe a three month follow-up when things fell down a little bit maybe for you, and then sort of we can go over it then because you've made the loss now, and it's not the hugest portion of your portfolio.","start_word":3775,"end_word":3835,"sentiment":"positive","sentiment_score":0.40512847900390625},{"text":"And then maybe you'll have a bit more time to go over the insurance matters there as well Well, and do a look, review it of that. is the and when you say active and passive, so your active is more of a high risk sort of investment, and your passive is just something that's gonna tick along and not really lose or gain too much. Is that correct? Not in so many words. So with that, your allocation to, like, growth assets. So if you have a passive or an active, you're still invested in things like shares, which are all, like, considered growth assets. Yep. The the more risk comes from having the manager itself. So when it's passive, you still have the same exposure to growth assets. You're just tracking, like, an industry. So, like, the S and P 500 is the top 500 companies in America. It's, like, fluctuates in the sense that if a company, you know, gets skyrocketed out and they jump in that top 500, you'll hold it as an investment.","start_word":3836,"end_word":4013,"sentiment":"neutral","sentiment_score":0.0005854288465343416},{"text":"If they crap the bed and fall out of that, you'll lose that investment in terms of holding it in your portfolio.","start_word":4014,"end_word":4035,"sentiment":"negative","sentiment_score":-0.5331423282623291},{"text":"Whereas the the fund manager itself builds a portfolio based on what they believe is, like, market value, whether Yep. that's to be, like, they see equity in the the company, market share in the company. They think it's, like, a valued under you know, undervalued stock. They're the ones that do the picking and choosing, whereas the industry does that for you just based on a set of metrics, whether that's, like, market cap size. There's a few other industries that do it based on, like, other metrics, but, Yep. essentially, they stick to their metric. They just go with the metric, whereas a manager basically is picking winners. And then when they get it wrong, obviously, it doesn't go too great. When they get it right, they outperform the market.","start_word":4036,"end_word":4167,"sentiment":"neutral","sentiment_score":-0.011526101268827915},{"text":"So that's where you get that, like, alpha generation where you can outperform what the market is doing by picking a few of those more top performing companies.","start_word":4168,"end_word":4195,"sentiment":"positive","sentiment_score":0.564426064491272},{"text":"Yep. Alright. So yeah. Well, it's not a big portion of the portfolio. Maybe just change it up to a active. Another active? Yeah. No. That's Yeah. fine. As I said, yeah. So a lot majority of your portfolio is that sort of passive Yep.","start_word":4196,"end_word":4240,"sentiment":"neutral","sentiment_score":0.1226530522108078},{"text":"investing, which is a lot cheaper in terms of that. The active portion, obviously, is to have that little portion that aims to outperform and do a little bit better.","start_word":4241,"end_word":4270,"sentiment":"positive","sentiment_score":0.4251049160957336},{"text":"Obviously, it hasn't done that, but in saying that, given the the weighting of your portfolio, it hasn't affected the growth out of it too much at all. Yeah. I think, like, that's the way it was set up so that it was set up so that it was active a certain amount of active and passive throughout the portfolio. And if that one active is being put on hold due to circumstances beyond control, it's probably best to change it up and keep it active.","start_word":4271,"end_word":4356,"sentiment":"neutral","sentiment_score":0.15463532507419586},{"text":"Not a problem at all. Definitely can do that.","start_word":4357,"end_word":4365,"sentiment":"positive","sentiment_score":0.47879448533058167},{"text":"In terms of updating that advice, please, did you wanna go through the pre assessment process and start that as well for your insurances now as well? Is that something you wanna address at Not a later not yet. I'll I'll revisit that. I'll spend a bit of time hopefully in the next couple of weeks in the evenings going through all my super and just seeing where everything's at. You know, it's just so I can sort of have a good look at the of it on paper screen slash screen, I should say, and then revisit that. Probably, maybe in a in three months is probably a good time to revisit that. It'll sort of give us an idea of what's going on with the world as well. Alright. I'll add it to the the pile in the sense that they'll, like if they get to it within that three months, at the sort of bottom of the list due to the fact that we are having another conversation, you're just going away and Yep. having to think about things.","start_word":4366,"end_word":4547,"sentiment":"neutral","sentiment_score":0.17474925992908058},{"text":"If they have it done before, that's fantastic. If not, we'll touch base then and get the ball rolling a bit quicker, Yep.","start_word":4548,"end_word":4570,"sentiment":"positive","sentiment_score":0.48081138730049133},{"text":"and then we can touch on the insurance matters there as well. You don't currently have trauma insurance as well, which I'm not too sure how much you remember of that from the conversation that may have happened, you know, five years ago. But that's that insurance that covers the things like heart attacks, strokes, traumatic events that may not fall under, like, your total permanent disability income protection style covers. Yep. And in in saying that is a cover that has to be paid out of pocket. So given the the cash flow at the moment, probably not fantastic until, you know, giving it a bit of a three month wait. But in saying that, it is something to consider, and we can have a bit more of a discussion around that a bit later as well if you'd like to see if you'd tell me if you're interested in seeing at least the pricing around. Yep. Yeah.","start_word":4571,"end_word":4729,"sentiment":"neutral","sentiment_score":0.0028979091439396143},{"text":"Cool.","start_word":4730,"end_word":4730,"sentiment":"positive","sentiment_score":0.4423559308052063},{"text":"Yep. Well, Not I'll consider that as well.","start_word":4731,"end_word":4738,"sentiment":"neutral","sentiment_score":0.05318392068147659},{"text":"perfect.","start_word":4739,"end_word":4739,"sentiment":"positive","sentiment_score":0.5319216251373291},{"text":"Now I'm just gonna do a quick risk profile there just to make sure that everything lines up with what we currently got you invested in just to to make a note of it. And as an we'll we'll leave it for the the three months anyway. But you are currently in that higher growth portfolio, and that's about a ninety ten split. So a ninety ten split in that sense that you have 90<unk> growth type assets and about 10% more defensive like fixed interest. You know? Gold is considered a bit more of a growth asset at the moment just the way it's been performing, but you could also consider that a little bit to be defensive in the sense that during market downturns, it tends to go up in price a bit as well. Yep. Have you made any direct share investments since we sort of last spoke at all there, Andrew? Nah. Yeah. Not a problem at all. And then with the cost of living and inflation and, you know, how much everything is going up, are you willing to take on still a more moderate to high amount of risk to try and outpace that inflation to make sure your money is still growing? Yeah. I think so.","start_word":4740,"end_word":4952,"sentiment":"neutral","sentiment_score":0.1388816685184067},{"text":"Perfect.","start_word":4953,"end_word":4953,"sentiment":"positive","sentiment_score":0.4965606331825256},{"text":"You And guys are you guys are watching America very closely at the moment, I hope. it's it's one of those things that you couldn't guess it if you wanted to, what they're gonna No.","start_word":4954,"end_word":4988,"sentiment":"neutral","sentiment_score":0.011471637524664402},{"text":"do next. That's crazy.","start_word":4989,"end_word":4992,"sentiment":"negative","sentiment_score":-0.4425368309020996},{"text":"Yeah. It's it's kind of just like the, you know, the the morning coffee cooler talk at the moment. It's just it's crazy kind of what is occurring each sort of day. It's like it's almost like you need a bingo card, but it's for the worst possible outcomes at the moment. So in saying that, though, war tends not to have, like, the like, a a major major downturn effect on market as things like terrorist attacks and things like that do. Obviously, it does cause a lot of fluctuation, a lot of short term volatility, but in terms of, like, market rebound, it tends to be a lot smoother than other sort of world events as well. So as long as it doesn't evolve into, you know, World War three, the current walls, although they are having quite the effect on the markets currently, hopefully, is a bit more short lived much like the the Trump tariff announcements that occurred at the start of last year that caused Yep.","start_word":4993,"end_word":5163,"sentiment":"neutral","sentiment_score":-0.2067728489637375},{"text":"the markets to have a bit of haywire as well.","start_word":5164,"end_word":5173,"sentiment":"negative","sentiment_score":-0.5084072351455688},{"text":"Yeah. But in saying that, if you did sort of change up your investments and six months after that dropped by 20% just due to, like, market trends there, like, you know, the war continues as another announcement, things like that, would you still hold your investments and wait for the long term for for those to recover? You know, I think if there's all these companies that aren't gonna go anywhere, I think calling out for recovery is the best idea in my limited financial knowledge. Yeah. And if You anything, know? would you still, like, put contributions into your super during those time frames when the markets are down? I hadn't really thought of that. I will be trying to put them in regardless because at the end Yep. of the day, any contributions is better than no contributions. Yeah. And in terms of that, like, it can be, like you said, if it's companies that you have faith in returning in terms of their value and they've just lost it on paper, you don't typically lose until you're actually sold out of something. So in saying that with all those dips at the market, it doesn't matter until you're, like, a retiree, basically, and looking to, you know, get a chunk of your money out. Otherwise, Yep. everything else is just on paper. So at that time, you know, that is occurring, and the prices are down. If you're putting money still into your superannuation, you're getting those stocks at a lower price. So when they do at some point, return unfortunately, you know, you've got a fair bit of working life left behind you. There's plenty of time for those to return and then grow by then some. Yep. Does that make sense? Yep.","start_word":5174,"end_word":5471,"sentiment":"neutral","sentiment_score":-0.04051913848559328},{"text":"Perfect.","start_word":5472,"end_word":5472,"sentiment":"positive","sentiment_score":0.5453284978866577},{"text":"And then with, like, COVID and things like that, when you you super did take a little bit of a hit there, did that make you, like, concerned at all, or you're just a little bit cautious of what's going on but not too fast? Not too fast. I think, you know, so long as it does doesn't all dip down when I'm 64 years age of age, there's not much I can really do about at this stage. You know, it's the long game rather than the short game. Exactly. And then opposed to the current loan you do have for, like, property and business equipment, would you ever put borrowed money into, like, an investment property, any sort of other investments at a later date? Sort Yeah. of, you know, I think We're hoping to look at that once my partner's back at full time work so that we can actually look at refinancing again and then getting some of the equity out and refinancing into and reinvesting into either property or investment. Yep. And So then with that, that's obviously something we can help you with. And then if you don't have well, obviously, you've probably got a mortgage broker or you're just doing it through the bank, but we do have a few mortgage brokers here as well if you'd like to have a chat with them and Yep. see what their sort of views are and see if they can get you a sort of better loan as well, if that's something you wanna do opposed to maybe just going with your your bank if it's just through never things like that. Yeah. No. I've got we've got a broker that we've been using. Okay.","start_word":5473,"end_word":5762,"sentiment":"neutral","sentiment_score":-0.03347792991533362},{"text":"Perfect.","start_word":5763,"end_word":5763,"sentiment":"positive","sentiment_score":0.46556490659713745},{"text":"He's he's usually pretty good.","start_word":5764,"end_word":5768,"sentiment":"neutral","sentiment_score":0.3319481909275055},{"text":"Great.","start_word":5769,"end_word":5769,"sentiment":"positive","sentiment_score":0.49276769161224365},{"text":"And then in regards to those reports as well, obviously, they'll send out a copy of, like, your reports when they send out the AR pack in that. They'll do, like, a twelve month report, which as I said, they're sitting around the sort of 11.4% at the moment, which is, you know, great considering everything that is happening. I can let you know sort of as a a rolling return of sort of average what you've achieved since you've been onboard is sitting around the the 9.01% after fees in terms of return that you have gotten averaged out since the time you've been onboard yearly, Yeah.","start_word":5770,"end_word":5877,"sentiment":"neutral","sentiment_score":0.24510633945465088},{"text":"which That's that's is, pretty good. yeah, a really nice sort of track record of solid returns after fees, obviously, that is, you know, occurring there. And given that you aren't really contributing there at the moment, it's really quite nice growth that is going in.","start_word":5878,"end_word":5923,"sentiment":"positive","sentiment_score":0.6052149534225464},{"text":"Yeah. Yeah. Yeah. We have been we I have been also considering using super to buy investment properties as well, like going to a self managed. What's your Yep. thoughts on that? With that, generally, with the cost of property at the moment and your balance, so they say between, like, 3 and 500,000. Obviously, you know, if you linked up with your partners or whatnot, you might be able to reach that amount. But they say between the 3 and 5 is where you can sort of maybe consider it, but then saying that it depends on, like, the property and what you're trying to invest in as well. Most sort of specialists say anywhere between, like, the $507,100,000 dollar mark, a normal sort of retail or industry fund can compete with the returns that do get in your self made super funds just based on the fact that the cost of running them is a lot higher than having, like, a standardized super or or, like, a retail rep platform. And Yep. then, obviously, a lot more compliance with you yourself and your responsibility to manage that being a self managed super fund. And then Yep. it becomes a lot more concentrated in terms of, like, your risk. So you take all your, you know, diversified ETFs, and you'd be putting them all into, like, one basket, which is that property. You know, it could, you know, get struck by, you know, a cyclone, could be damaged, poor tenants, things like that. And then you've got to think about your time to retirement and drawing down on that superannuation. Like, I'm Yeah. not trying Right. to talk you you out of it, but, you know, No. No. you're taking No. That's on another that's exactly why I asked you. You know? Like, it's yeah. it's all about other people's thoughts and views on this situation rather than getting anyone to try and talk me out or talk me into it. You know? Yeah. And then, yeah, the the other main thing there as well is it's a thirty year loan most likely. And then if you don't have, like, a separate, like, investment portfolio within that and you hit, you know, sixty, sixty five, and you're start drawing down some of those funds, if you've only got a loan attached and the the rental's not even covering the loan, you know, you've gotta bridge that somewhere, and you've either gotta keep putting money in, keep working, sell the property, and then you're sort of back to to square one of having to reinvest that money. And then you've either gotta switch back to a super fund or you've gotta a look at, you know, just maintaining a self made super and paying those administration costs and audits just to have basically cash invested in shares and stocks, Yeah. which is something to be mindful of as well. Alright.","start_word":5924,"end_word":6413,"sentiment":"neutral","sentiment_score":0.0015619205120874912},{"text":"Cool. That's that's good good information.","start_word":6414,"end_word":6419,"sentiment":"positive","sentiment_score":0.6103622913360596},{"text":"Yep. Obviously, if you want, like, a little bit more, happy to have a bit more of a chat around it. You can also look up things on the ATO that I think things like that. They do release, like, reports on them and stuff as well. They actually are Yep. tracking down a little bit in the sense that, you know, some people really just want them and some advisers just go along with it and recommend it, and it really just isn't putting clients in a better position. So a bit bit Yes.","start_word":6420,"end_word":6514,"sentiment":"neutral","sentiment_score":0.17303413152694702},{"text":"more wary about it and saying making sure that it will do.","start_word":6515,"end_word":6526,"sentiment":"negative","sentiment_score":-0.4125809967517853},{"text":"Obviously, you know, if you go in with, you know, your partner and you're looking at, like, a $500,000 property, you still lack of diversification. It comes like it still can be a lot more affordable and things like that as well. But, yeah, it all just depends on the situation, but there are a lot more sort of risks as well to it. Yeah. Alright.","start_word":6527,"end_word":6592,"sentiment":"neutral","sentiment_score":-0.06288432397625664},{"text":"Cool. Not a problem.","start_word":6593,"end_word":6596,"sentiment":"positive","sentiment_score":0.4167586863040924},{"text":"Is there anything else you wanna chat about there, Andrew, in regards to anything at all? Not at the moment. I think that's pretty good at this point in time. Yeah. I haven't got anything more on the top of my head. So yeah. No. All good. So is it as I said, I'll sort of start a note on this just so they can start the research a bit falls. You know, they've run out of work, which are are down at the moment. There is a bit of a backlog, but then I'll chuck you down for a three month follow-up, and then we'll really get the ball sort of rolling there just to do that little update with Benelon. In that time frame, we never know. They might sort of make a bit of recovery as well and recoup a bit of that loss. But if you're happy with that 15 or more 10% now just riding at the moment while you sort of sort a few things out, and then we can discuss your insurances and the investments a bit more at that later date.","start_word":6597,"end_word":6785,"sentiment":"neutral","sentiment_score":0.029734862968325615},{"text":"Sounds good. Crazy, mate. Well, you enjoy the rest of your day. Thanks for your time, and I'll talk to you shortly, I'm sure. Alrighty. Thanks very much. No problem, Andrew. You enjoy the rest of your day. Thanks. Bye.","start_word":6786,"end_word":6825,"sentiment":"positive","sentiment_score":0.6604389548301697}],"average":{"sentiment":"neutral","sentiment_score":0.028910241237147635}}}}