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Is now still a good time for you? No. That that's perfect. There is some documents getting sent out. So with that one, they obviously don't review those while driving. But I can just talk you through what's there, and then you can have a look at them once you get home and see if there's any questions concerned. You can come back if that's alright. No problem. Just to let you know, Kendall, these calls are recorded for quality and training purposes there. And just to get stuck into that today. If I could just pass you through security there, just that name, date of birth, and current address? Brilliant. Thanks for that one. Now in regards to I know because there was sort of a few months here now, probably five to six months we originally tried to get a hold of there and some business sort of things happened that way. In a bit slack with reaching out. So apologies for that one. In regard in regards to that, do you have any questions before we jump into the call at all in regarding your account or anything, Kendall, that you do wanna address today? Happy days. No problem at all. So what we'll do there was just go through and update some details in regards to FIFO, make sure everything's up to date. I'll give you a rundown on sort of where things are at. And then from there, any questions that come from that, feel free to to jump in and cut me off whenever you'd like. Not a problem at all. So we'll just confirm a few details there. As you said, you haven't moved, so that's fantastic for me. Do I have to update anything? In regards to your next of kin, I've got Belle there and her number. Is that changed at all? Great. Perfect. And I don't have it actually listed here as well. You're a spouse as well. Brilliant. Just double checking. Don't wanna make any assumptions. And do you have any current dependents at the moment there, Kendall? Yep. Except maybe a dog or a cat living at home. Three cats. Three dogs. Fair enough. I'm a bit the same. I've got a dog there myself. And then in regards to your Occupace, Nick, and are you still the telecommation telecommunication? Sorry, engineer? No? Yep. And then what's your current employer's name? Perfect. And then in regards to that role, like, what would you say your day to day is like? Are you a 100% in the office with that one now? Yep. And distance wise, how sort of far is that from, like, your office? Yep. And how often do you say you go to this site for that one? Like, how long are you in the office versus how long are you doing site visit? Perfect. So probably, like, 60% office work and about 40% out in the field doing those visits and travel. Perfect. And then with that one there, are you sort of in any, like, active, like, construction zones? Are you just are you wearing your appropriate PPE, or are you not doing any of that? You're just visiting the side office? Yeah. Not a problem. Just the reason I asked so many sort of questions just in relation to it because in regards to, like, your occupation rating with your insurances, if it comes out as better, then we can look at sort of changing that or whether or not we're looking at changing things. Given that you're on a production line, I dare say that, no, it probably won't be better. And then in regards to that, we'll touch on my insurance a bit later. But then with that too in the production lines and in the warehouses, do you work above, like, 12 meters at all? You're not in any catwalks or anything like that? No other hazardous materials that you work with? Perfect. And how long have you been doing that role now? Okay. So fairly, fairly fresh then, sort of the the four month mark? Yep. And then as far as your industry experience, did any of that carry over to your current role? Yep. And how long were were you doing that? Sorry. Just to refresh my memory. I don't have it written down in front of me. Like, for the IT yeah. IT. Okay. Great. And then in regards to the size you're looking after, what actually industry of production are they working in? Okay. Brilliant. Any yeah. Yeah. Food manufacturing. Perfect. And then as far as your employment, so that's you full time? Yep. And is that like a thirty eight hour week? Is that a little bit different? Or and with that, is your salary changed at all with that role? Perfect. And then as far as, like, your expenditures and savings, I know you're sort of roughly trying to put away a $100 a week and weren't too sure your expenditures. Have you managed to work out your budget a little bit better? Do you know sort of your outgoings versus savings at the moment? Yep. And what's that sort of currently sitting on if you don't mind me asking? Yeah. Sometimes it's a little bit better out of sight out of mind. Yeah. No. That that's perfectly fine. It's not a a huge thing anyway unless you're looking to invest some of it. But in in time as well, you're still putting that money away. And do you know roughly what sort of your outgoing looks like per week? You put in the bank of gas? Yep. Yep. And with the price of a Zingabox these days, it it gets quickly gets eaten away. Brilliant. And then within regards to your superannuation, are you looking at putting any more into super or make any additional contributions in any sense, salary, sacrifice, or otherwise? Yeah. No. I completely understand that. And, obviously, you know, putting a little away now can help sort of grow it towards a balance that, you know, can make it comp retirement a little bit more comfortable, all things sort of going to plan. I can let you know it's sort of sitting around the $1.41, like 1,400 1,000 off a 141,700. Sorry. I'm sticking with my throat. Currently then, and it has been tracking quite well, not only year on year. Within regards to that one, there is one active investment that I will touch on a little bit later there and have a bit more discussion around that and a potential update, but I'll finish the details of it. And as far as, like, your sales back amount that you you might be willing to do, like, have you thought about a figure that you'd, like, sort of be out of foregoing to, like, terms of a take home pay? Yeah. Because because with that too, like, the 50 to 100 out of your pay works out to be, like, less in terms of, like, what you're foregoing as a income anyway because, obviously, you're gonna take into account your your marginal tax rate as well. And given that you're sort of in that sort of mid range tax rate there, you're looking around 31% of that or 30% plus your Medicare levy goes to towards taxes. So, really, if you put, like, a $100 in, you're sort of losing 70 at the end of the day versus the the actual 100, and then you get 85 going into super based on the the 15% tax rate in there. I can make a little note of that looking to sort of that 50 to a 100 mark and what that looks like. Because as I said, we're just looking at doing an update just with one investment there so we can look and show you what that looks like with that and just give you the figures, both the 50 and a 100 as an alternative. And then if you decide to go ahead with that, obviously, you just go to your employer, and then you can sort of submit that with the payroll if they're happy to do it, and then they can just sort of start that for you. Yeah. Not a problem at all. Brilliant. And then as far as the the mortgage goes with the house, and that's it's worth around the 1.1. You have around $4.50 owing. Is that still sort of roughly? Obviously, you paid down a little bit, but maybe don't have the figures in front of you. Perfect. Yeah. Yeah. Plenty of equity in that one. And were you thinking of doing, like, the investment property route at any point? Or no. Completely understand. Well, obviously, things change. We have access to a few mortgage brokers we work with you. If you ever did want a referral to have a chat with anyone, if you're comfortable just with the way things are going as well. Like you said, you do have plenty of equity in it, so you could potentially look at it as, like, your next sort of step in your sort of financial goals. But, yeah, completely up to you at the end of the day. And then as far as any other assets and liabilities that you have that we're not currently aware of, is there anything else that we don't currently have? Yeah. Yeah. Great. Yeah. Well, that's it. You'll get it on the weekends to go out and do your holidays away and things like that as well. And so if you've answered this previously or not, obviously, like I said, we do a few business updates. We've updated the workbook, and it might not have been carried across, but you've never declared bankruptcy or ended a part nine debt agreement? Brilliant. That's good to hear. And still currently a nonsmoker? And as far as health goes, no health issues, no current medications or anything like that? Brilliant. And do you currently hold any private health insurance? I mean, is that hospitals and extras or just extras? Comprehensive? Not a problem at all. Yeah. So So if you start losing your sight, you can get your free glasses, your dental checkups, things like that as well. And I have here that you had a will in place. Is that currently still up to date and accurate? Perfect. And do you have a power of attorney in place with that one? No. That's not a problem at all. Obviously, power of attorney is used generally in conjunction with anything that was to happen to you If you're incapacitated, that someone can make those decisions. Yeah. Not a problem at all. And then within regards to this one, it's a little bit odd. I have a question, but you're not politically exposed to personal. You're not in politics. You're family in politics. Yeah. Not a problem. Yeah. Right. And then you're not a tax resident for any other country or jurisdiction at the moment? Perfect. Now as far as the goals that you're working towards at the moment, I know that you just wanna pay down the the house, really, and that was the sort of main sort of midterm goal, and you didn't, like, have sort of much else you work towards. That's sort of the same thing. You're just looking at paying down the house, enjoying your your time when you do get away for a holiday and things like that? Perfect. And then with the insurance, as I said, I was just touching on those. You do have the life and TPD, so the total permanent disability and life portion for around the 200 and 76,000 with how it's CPI'd up. Now, obviously, that covers for around about half the debt of your your primary resident plus, like, if you take up, like, your superannuation as well, then it covers a bit more than that. But there's no sort of income replacement for your occupation and things like that if were things to to go wrong, you're not able to work. Now are you currently happy with those cover amounts? Is that something you wanna review? Or oh, no. No. Not a problem. That half the amount of the the loan with that 200 and 70 yeah. Yeah. Okay. Not a problem at all. And then with that, you don't have that income protection or trauma insurance. Now I believe you originally recommended the income protection, but didn't go ahead with it. Is that correct? Or Yeah. Yeah. Yeah. And then with the the trauma side of things, obviously, trauma insurance is like that other lump sum payment. I just wanna touch on it, obviously, because it's been a while. In the event, you know, things like heart attacks, strokes, things like that, it is an out of pocket cost. No. Not a problem. So happy with your your current cover. Obviously, you don't pay too much for that given the level. So a bit under the 5 $100 mark, really. As long as you're happy with all that, that can remain the same. We can look at the the superannuation side of things. As I said, the portfolio as a whole is doing quite well still. As a rate of return after fees, it's doing 9.34%, which is really still quite good. The yeah. There was two underperformers within that. Now one of them was the cyber, and that was mainly due to the start of this year. All AI tech in cyber and all those sort of stocks have taken a bit of a a dive. But they have high conviction in that. They're coming back over the years, the time you have till retirement, maintaining that one. The other stock is Benelung. That is your actively managed fund. Now the end of last year, they had an asset that was made up as a significant portion of their fund that was done for not reporting correctly and their dodgy accounting. And then that's caused the fund to have to reevaluate the price of corporate travel given it was put on a trading hold in addition to the fact that with that as well, obviously, people lost some consumer confidence in the fund managers given that did occur. Now as an investment committee, like above me myself, they've decided to move away from Benelung. Now there is currently a loss with that and that what did occur. But in relation to that one, those losses that can offset future losses or capital gains with that. Yeah. So with that, obviously, selling low and buying high is never ideal, but to stay in the investment that they don't have faith in to perform over the long term period is also bad. So they are looking at removing that and trading it for something alternative. Now you can look to go to a more passive, like, index like the rest of your portfolio and have just a lower cost investment that tracks the index, or we can replace it with an actively managed portion of that as well. Much like Benelung, it'll be like in the Australian market. It'll be like an alternative to Benelung. That was with the for an Australian equities managed fund. That still aims to outperform the market, and you will have a portion which is about 10% towards active investment to to Ben Long. It's around 11.1 at the moment. And given the loss, it was around a $2,400 loss with that one. In terms of, like, overall performance, your portfolio including that still did, like, thirteen six in terms of growth, which is still quite a good return even given the level of risk that you do have. Now as I said, like, if the the hack was to come back as well, that would obviously improve that. The Benelon, we obviously wanna look at getting rid of. And, yeah, we can either look them replaced for the active portion, which does cost a little bit more investment cost wise, But you have the potential to outperform the market and do that a little bit better or in better long case, you also have the the down pitfalls of that where it can perform worse. Or you can look at doing the more passive where you just pay a lower cost. You're happy to track the the indexes that back along with one. Yeah. Would you prefer to, like, take the active approach or maintain, like, just a more passive moving forward? Yep. So it is like a satellite with that and you do have plenty of years unfortunately left working before you can retire. So to have a little bit allocated to potentially outperforming the market is still a good thing if you're okay with that level of risk. Perfect. And then as far as any other goals that you're looking towards in the future, is there anything else that you're looking at updating or moving towards or anything you're looking to do? Great. So quite straightforward. So as far as, like, we'll obviously have to provide a document. In the document, we'll just do the update for the investments and then show that sales act for you and what that looks like. As far as anything else, there's, like, there's nothing else that you want just in that in terms of, like, reviewing any sort of cash flow, budgeting, things like that. You're happy with your wife managing everything and everything else? Right. Not a problem at all. I will just jump in and do a quick risk profile just to make sure that it does line up with what we currently got you invested in. It'll just be those quick questions I'll run through there with you. Bear with me. It's just loading up there. Perfect. Now as far as the most aggressive investment, if you haven't done any direct share investing at the moment, Not a problem. And then within regards to investing and risk taking, do you still consider yourself more on the very high end of, like, risk taking and taking on that level of risk for returns? Or or okay. Not a problem. Would you consider yourself to be more of, like, a moderate risk taker then or sort of on that a little bit of a higher end of moderate? Perfect. And then if you super did take a bit of a dive, would you be concerned at all in the event that it did take a a dive? Like, if it dropped by, like, 20% and your portfolio was sitting at that 20% loss over a six month period, would you wanna be looking at changing up investments? Would you just hold and wait for that to come back or even yeah. If like, say if it was just market trends, like, another COVID period where everything took a bit of a Yep. Yep. Perfect. Understandable. And then as far as, like, your returns and what you're trying to get over the long term, would you be happy if you're getting, like, sort of 8% and above? Perfect. And then with like, when you said we did take a bit of a backward step during COVID times, did that make you concerned at all? Yeah. Right. And then within regards to borrowed money, you do obviously have the home loan, but would you ever put borrowed money into any other things else like an investment property in the future or a shared portfolio given if you'd, like, paid off your your debts? Yeah. No. No. Understandable. So not in any time soon, but you're sort of comfortable with borrowed money and sort of the risk of that. And if you did have the the means and, like, a little less debt, you'd probably take on some risk with some borrowed money for whether it be, like, an investment property or, like, stocks or shares portfolio. Perfect. Now in regards to that, you have come out still as a growth investor, which is about that $80.20 split in terms of 80¢ growth assets, about 20¢ defensive, which is still adequate for your time frame. You could even look to take on more risk if you you wanted to. But in in saying that it's more than appropriate and it's performing quite well even compared to some high growth portfolios as well, if you are still happy with that. Right. Not a problem at all. Now the last thing I will do there, Kendall, I was supposed to send it to the start of the call, but, generally, because you're driving, you can't look at them anyway. But this will just be your annual review pack. So what this call contain is a new copy of the financial services guide, a little index chart to show you, like, markets over a long term period and why we are those long term investors, A fee disclosed statement of the fees you did pay. Now because it's been so long since you had your interview, the fees actually did turn off. Now it will document, like, an ongoing service agreement to turn those back on if you were happy to stay for another twelve months. Obviously, you know, you got a discount. We're not gonna call back any of those fees or anything like that. You've just got a discount for that period, which is happy days. And then it will have a copy of your asset performance and then also your Telstra good of currency as well. The other few documents there is a TFN opt in form, so your tax file number, where we're storing that's been updated. So that'll just be an updated form on where we'll be storing that form, and then a a lost super search form. So that gets sent off to the ATO, and it just looks out there if you've got any lost super or any other funds that we're unaware of, and that normally takes six months to a year to come back anyway with the ATO. So that'll be everything in that document sent, and it'll be via OdooSign. I know if you've DocuSign previously, so a little bit different. It comes in an email still. You'll have your attachments as separate attachments within the email, and there'll be a link to those signable documents that OSATFN and the lawsuit for research form. Great. Do you have any questions in regards to those documents or what's being sent out or any questions regarding? No. Not a problem. No questions regarding, like, the your fees, what you're currently paying, anything like that? No problem. And just double checking too. Your partner is not a client with us. Correct? Yeah. They have, at the moment, still going a coupling fee, which can drop your your ongoing down if they were. Now I'm not too sure what your partner does or what her finances look like or if she even wants a review. But not a problem at all. Anything changed in the future, feel free to reach out. I'm not too sure if the the coupling fee will be going forward, but it is a free consultation anyway. So whether that's friends or family, I believe even they've still got the referral bonus going. So even if someone comes on board through your referral, I think you do get a $100 gift card still. So you mention it to anyone. Make sure they mention your name. Just as a reminder, you might still get the the gift card out of it if someone was gonna come on board through your referral anyway. But not a problem, Kendall. Thanks for your time today. Otherwise, I'll let you get back to it. Perfect. We'll probably be in touch in sort of, you know, a few weeks or maybe closer to a month given that it's not too dire. With the way things are going, if anything, your Benelon might come back a little bit in that time frame, but we'll do the that update and get that document to you. Too easy, Kendall. If you don't have anything for me, I'll let you get back to it. Too easy. Thanks for your time. 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afternoon. Good afternoon, Kendall. It's Carl calling from OQ Financial. How are you today? Yeah.\n\nNot too bad at all. Thanks for asking. I just scheduled in for you annual review. Is now still a good time for you? No.\n\nThat that's perfect. There is some documents getting sent out. So with that one, they obviously don't review those while driving. But I can just talk you through what's there, and then you can have a look at them once you get home and see if there's any questions concerned. You can come back if that's alright.\n\nNo problem. Just to let you know, Kendall, these calls are recorded for quality and training purposes there. And just to get stuck into that today. If I could just pass you through security there, just that name, date of birth, and current address? Brilliant.\n\nThanks for that one. Now in regards to I know because there was sort of a few months here now, probably five to six months we originally tried to get a hold of there and some business sort of things happened that way. In a bit slack with reaching out. So apologies for that one. In regard in regards to that, do you have any questions before we jump into the call at all in regarding your account or anything, Kendall, that you do wanna address today?\n\nHappy days. No problem at all. So what we'll do there was just go through and update some details in regards to FIFO, make sure everything's up to date. I'll give you a rundown on sort of where things are at. And then from there, any questions that come from that, feel free to to jump in and cut me off whenever you'd like.\n\nNot a problem at all. So we'll just confirm a few details there. As you said, you haven't moved, so that's fantastic for me. Do I have to update anything? In regards to your next of kin, I've got Belle there and her number.\n\nIs that changed at all? Great. Perfect. And I don't have it actually listed here as well. You're a spouse as well.\n\nBrilliant. Just double checking. Don't wanna make any assumptions. And do you have any current dependents at the moment there, Kendall? Yep.\n\nExcept maybe a dog or a cat living at home. Three cats. Three dogs. Fair enough. I'm a bit the same.\n\nI've got a dog there myself. And then in regards to your Occupace, Nick, and are you still the telecommation telecommunication? Sorry, engineer? No? Yep.\n\nAnd then what's your current employer's name? Perfect. And then in regards to that role, like, what would you say your day to day is like? Are you a 100% in the office with that one now? Yep.\n\nAnd distance wise, how sort of far is that from, like, your office? Yep. And how often do you say you go to this site for that one? Like, how long are you in the office versus how long are you doing site visit? Perfect.\n\nSo probably, like, 60% office work and about 40% out in the field doing those visits and travel. Perfect. And then with that one there, are you sort of in any, like, active, like, construction zones? Are you just are you wearing your appropriate PPE, or are you not doing any of that? You're just visiting the side office?\n\nYeah. Not a problem. Just the reason I asked so many sort of questions just in relation to it because in regards to, like, your occupation rating with your insurances, if it comes out as better, then we can look at sort of changing that or whether or not we're looking at changing things. Given that you're on a production line, I dare say that, no, it probably won't be better. And then in regards to that, we'll touch on my insurance a bit later.\n\nBut then with that too in the production lines and in the warehouses, do you work above, like, 12 meters at all? You're not in any catwalks or anything like that? No other hazardous materials that you work with? Perfect. And how long have you been doing that role now?\n\nOkay. So fairly, fairly fresh then, sort of the the four month mark? Yep. And then as far as your industry experience, did any of that carry over to your current role? Yep.\n\nAnd how long were were you doing that? Sorry. Just to refresh my memory. I don't have it written down in front of me. Like, for the IT yeah.\n\nIT. Okay. Great. And then in regards to the size you're looking after, what actually industry of production are they working in? Okay.\n\nBrilliant. Any yeah. Yeah. Food manufacturing. Perfect.\n\nAnd then as far as your employment, so that's you full time? Yep. And is that like a thirty eight hour week? Is that a little bit different? Or and with that, is your salary changed at all with that role?\n\nPerfect. And then as far as, like, your expenditures and savings, I know you're sort of roughly trying to put away a $100 a week and weren't too sure your expenditures. Have you managed to work out your budget a little bit better? Do you know sort of your outgoings versus savings at the moment? Yep.\n\nAnd what's that sort of currently sitting on if you don't mind me asking? Yeah. Sometimes it's a little bit better out of sight out of mind. Yeah. No.\n\nThat that's perfectly fine. It's not a a huge thing anyway unless you're looking to invest some of it. But in in time as well, you're still putting that money away. And do you know roughly what sort of your outgoing looks like per week? You put in the bank of gas?\n\nYep. Yep. And with the price of a Zingabox these days, it it gets quickly gets eaten away. Brilliant. And then within regards to your superannuation, are you looking at putting any more into super or make any additional contributions in any sense, salary, sacrifice, or otherwise?\n\nYeah. No. I completely understand that. And, obviously, you know, putting a little away now can help sort of grow it towards a balance that, you know, can make it comp retirement a little bit more comfortable, all things sort of going to plan. I can let you know it's sort of sitting around the $1.41, like 1,400 1,000 off a 141,700.\n\nSorry. I'm sticking with my throat. Currently then, and it has been tracking quite well, not only year on year. Within regards to that one, there is one active investment that I will touch on a little bit later there and have a bit more discussion around that and a potential update, but I'll finish the details of it. And as far as, like, your sales back amount that you you might be willing to do, like, have you thought about a figure that you'd, like, sort of be out of foregoing to, like, terms of a take home pay?\n\nYeah. Because because with that too, like, the 50 to 100 out of your pay works out to be, like, less in terms of, like, what you're foregoing as a income anyway because, obviously, you're gonna take into account your your marginal tax rate as well. And given that you're sort of in that sort of mid range tax rate there, you're looking around 31% of that or 30% plus your Medicare levy goes to towards taxes. So, really, if you put, like, a $100 in, you're sort of losing 70 at the end of the day versus the the actual 100, and then you get 85 going into super based on the the 15% tax rate in there. I can make a little note of that looking to sort of that 50 to a 100 mark and what that looks like.\n\nBecause as I said, we're just looking at doing an update just with one investment there so we can look and show you what that looks like with that and just give you the figures, both the 50 and a 100 as an alternative. And then if you decide to go ahead with that, obviously, you just go to your employer, and then you can sort of submit that with the payroll if they're happy to do it, and then they can just sort of start that for you. Yeah. Not a problem at all. Brilliant.\n\nAnd then as far as the the mortgage goes with the house, and that's it's worth around the 1.1. You have around $4.50 owing. Is that still sort of roughly? Obviously, you paid down a little bit, but maybe don't have the figures in front of you. Perfect.\n\nYeah. Yeah. Plenty of equity in that one. And were you thinking of doing, like, the investment property route at any point? Or no.\n\nCompletely understand. Well, obviously, things change. We have access to a few mortgage brokers we work with you. If you ever did want a referral to have a chat with anyone, if you're comfortable just with the way things are going as well. Like you said, you do have plenty of equity in it, so you could potentially look at it as, like, your next sort of step in your sort of financial goals.\n\nBut, yeah, completely up to you at the end of the day. And then as far as any other assets and liabilities that you have that we're not currently aware of, is there anything else that we don't currently have? Yeah. Yeah. Great.\n\nYeah. Well, that's it. You'll get it on the weekends to go out and do your holidays away and things like that as well. And so if you've answered this previously or not, obviously, like I said, we do a few business updates. We've updated the workbook, and it might not have been carried across, but you've never declared bankruptcy or ended a part nine debt agreement?\n\nBrilliant. That's good to hear. And still currently a nonsmoker? And as far as health goes, no health issues, no current medications or anything like that? Brilliant.\n\nAnd do you currently hold any private health insurance? I mean, is that hospitals and extras or just extras? Comprehensive? Not a problem at all. Yeah.\n\nSo So if you start losing your sight, you can get your free glasses, your dental checkups, things like that as well. And I have here that you had a will in place. Is that currently still up to date and accurate? Perfect. And do you have a power of attorney in place with that one?\n\nNo. That's not a problem at all. Obviously, power of attorney is used generally in conjunction with anything that was to happen to you If you're incapacitated, that someone can make those decisions. Yeah. Not a problem at all.\n\nAnd then within regards to this one, it's a little bit odd. I have a question, but you're not politically exposed to personal. You're not in politics. You're family in politics. Yeah.\n\nNot a problem. Yeah. Right. And then you're not a tax resident for any other country or jurisdiction at the moment? Perfect.\n\nNow as far as the goals that you're working towards at the moment, I know that you just wanna pay down the the house, really, and that was the sort of main sort of midterm goal, and you didn't, like, have sort of much else you work towards. That's sort of the same thing. You're just looking at paying down the house, enjoying your your time when you do get away for a holiday and things like that? Perfect. And then with the insurance, as I said, I was just touching on those.\n\nYou do have the life and TPD, so the total permanent disability and life portion for around the 200 and 76,000 with how it's CPI'd up. Now, obviously, that covers for around about half the debt of your your primary resident plus, like, if you take up, like, your superannuation as well, then it covers a bit more than that. But there's no sort of income replacement for your occupation and things like that if were things to to go wrong, you're not able to work. Now are you currently happy with those cover amounts? Is that something you wanna review?\n\nOr oh, no. No. Not a problem. That half the amount of the the loan with that 200 and 70 yeah. Yeah.\n\nOkay. Not a problem at all. And then with that, you don't have that income protection or trauma insurance. Now I believe you originally recommended the income protection, but didn't go ahead with it. Is that correct?\n\nOr Yeah. Yeah. Yeah. And then with the the trauma side of things, obviously, trauma insurance is like that other lump sum payment. I just wanna touch on it, obviously, because it's been a while.\n\nIn the event, you know, things like heart attacks, strokes, things like that, it is an out of pocket cost. No. Not a problem. So happy with your your current cover. Obviously, you don't pay too much for that given the level.\n\nSo a bit under the 5 $100 mark, really. As long as you're happy with all that, that can remain the same. We can look at the the superannuation side of things. As I said, the portfolio as a whole is doing quite well still. As a rate of return after fees, it's doing 9.34%, which is really still quite good.\n\nThe yeah. There was two underperformers within that. Now one of them was the cyber, and that was mainly due to the start of this year. All AI tech in cyber and all those sort of stocks have taken a bit of a a dive. But they have high conviction in that.\n\nThey're coming back over the years, the time you have till retirement, maintaining that one. The other stock is Benelung. That is your actively managed fund. Now the end of last year, they had an asset that was made up as a significant portion of their fund that was done for not reporting correctly and their dodgy accounting. And then that's caused the fund to have to reevaluate the price of corporate travel given it was put on a trading hold in addition to the fact that with that as well, obviously, people lost some consumer confidence in the fund managers given that did occur.\n\nNow as an investment committee, like above me myself, they've decided to move away from Benelung. Now there is currently a loss with that and that what did occur. But in relation to that one, those losses that can offset future losses or capital gains with that. Yeah. So with that, obviously, selling low and buying high is never ideal, but to stay in the investment that they don't have faith in to perform over the long term period is also bad.\n\nSo they are looking at removing that and trading it for something alternative. Now you can look to go to a more passive, like, index like the rest of your portfolio and have just a lower cost investment that tracks the index, or we can replace it with an actively managed portion of that as well. Much like Benelung, it'll be like in the Australian market. It'll be like an alternative to Benelung. That was with the for an Australian equities managed fund.\n\nThat still aims to outperform the market, and you will have a portion which is about 10% towards active investment to to Ben Long. It's around 11.1 at the moment. And given the loss, it was around a $2,400 loss with that one. In terms of, like, overall performance, your portfolio including that still did, like, thirteen six in terms of growth, which is still quite a good return even given the level of risk that you do have. Now as I said, like, if the the hack was to come back as well, that would obviously improve that.\n\nThe Benelon, we obviously wanna look at getting rid of. And, yeah, we can either look them replaced for the active portion, which does cost a little bit more investment cost wise, But you have the potential to outperform the market and do that a little bit better or in better long case, you also have the the down pitfalls of that where it can perform worse. Or you can look at doing the more passive where you just pay a lower cost. You're happy to track the the indexes that back along with one. Yeah.\n\nWould you prefer to, like, take the active approach or maintain, like, just a more passive moving forward? Yep. So it is like a satellite with that and you do have plenty of years unfortunately left working before you can retire. So to have a little bit allocated to potentially outperforming the market is still a good thing if you're okay with that level of risk. Perfect.\n\nAnd then as far as any other goals that you're looking towards in the future, is there anything else that you're looking at updating or moving towards or anything you're looking to do? Great. So quite straightforward. So as far as, like, we'll obviously have to provide a document. In the document, we'll just do the update for the investments and then show that sales act for you and what that looks like.\n\nAs far as anything else, there's, like, there's nothing else that you want just in that in terms of, like, reviewing any sort of cash flow, budgeting, things like that. You're happy with your wife managing everything and everything else? Right. Not a problem at all. I will just jump in and do a quick risk profile just to make sure that it does line up with what we currently got you invested in.\n\nIt'll just be those quick questions I'll run through there with you. Bear with me. It's just loading up there. Perfect. Now as far as the most aggressive investment, if you haven't done any direct share investing at the moment, Not a problem.\n\nAnd then within regards to investing and risk taking, do you still consider yourself more on the very high end of, like, risk taking and taking on that level of risk for returns? Or or okay. Not a problem. Would you consider yourself to be more of, like, a moderate risk taker then or sort of on that a little bit of a higher end of moderate? Perfect.\n\nAnd then if you super did take a bit of a dive, would you be concerned at all in the event that it did take a a dive? Like, if it dropped by, like, 20% and your portfolio was sitting at that 20% loss over a six month period, would you wanna be looking at changing up investments? Would you just hold and wait for that to come back or even yeah. If like, say if it was just market trends, like, another COVID period where everything took a bit of a Yep. Yep.\n\nPerfect. Understandable. And then as far as, like, your returns and what you're trying to get over the long term, would you be happy if you're getting, like, sort of 8% and above? Perfect. And then with like, when you said we did take a bit of a backward step during COVID times, did that make you concerned at all?\n\nYeah. Right. And then within regards to borrowed money, you do obviously have the home loan, but would you ever put borrowed money into any other things else like an investment property in the future or a shared portfolio given if you'd, like, paid off your your debts? Yeah. No.\n\nNo. Understandable. So not in any time soon, but you're sort of comfortable with borrowed money and sort of the risk of that. And if you did have the the means and, like, a little less debt, you'd probably take on some risk with some borrowed money for whether it be, like, an investment property or, like, stocks or shares portfolio. Perfect.\n\nNow in regards to that, you have come out still as a growth investor, which is about that $80.20 split in terms of 80¢ growth assets, about 20¢ defensive, which is still adequate for your time frame. You could even look to take on more risk if you you wanted to. But in in saying that it's more than appropriate and it's performing quite well even compared to some high growth portfolios as well, if you are still happy with that. Right. Not a problem at all.\n\nNow the last thing I will do there, Kendall, I was supposed to send it to the start of the call, but, generally, because you're driving, you can't look at them anyway. But this will just be your annual review pack. So what this call contain is a new copy of the financial services guide, a little index chart to show you, like, markets over a long term period and why we are those long term investors, A fee disclosed statement of the fees you did pay. Now because it's been so long since you had your interview, the fees actually did turn off. Now it will document, like, an ongoing service agreement to turn those back on if you were happy to stay for another twelve months.\n\nObviously, you know, you got a discount. We're not gonna call back any of those fees or anything like that. You've just got a discount for that period, which is happy days. And then it will have a copy of your asset performance and then also your Telstra good of currency as well. The other few documents there is a TFN opt in form, so your tax file number, where we're storing that's been updated.\n\nSo that'll just be an updated form on where we'll be storing that form, and then a a lost super search form. So that gets sent off to the ATO, and it just looks out there if you've got any lost super or any other funds that we're unaware of, and that normally takes six months to a year to come back anyway with the ATO. So that'll be everything in that document sent, and it'll be via OdooSign. I know if you've DocuSign previously, so a little bit different. It comes in an email still.\n\nYou'll have your attachments as separate attachments within the email, and there'll be a link to those signable documents that OSATFN and the lawsuit for research form. Great. Do you have any questions in regards to those documents or what's being sent out or any questions regarding? No. Not a problem.\n\nNo questions regarding, like, the your fees, what you're currently paying, anything like that? No problem. And just double checking too. Your partner is not a client with us. Correct?\n\nYeah. They have, at the moment, still going a coupling fee, which can drop your your ongoing down if they were. Now I'm not too sure what your partner does or what her finances look like or if she even wants a review. But not a problem at all. Anything changed in the future, feel free to reach out.\n\nI'm not too sure if the the coupling fee will be going forward, but it is a free consultation anyway. So whether that's friends or family, I believe even they've still got the referral bonus going. So even if someone comes on board through your referral, I think you do get a $100 gift card still. So you mention it to anyone. Make sure they mention your name.\n\nJust as a reminder, you might still get the the gift card out of it if someone was gonna come on board through your referral anyway. But not a problem, Kendall. Thanks for your time today. Otherwise, I'll let you get back to it. Perfect.\n\nWe'll probably be in touch in sort of, you know, a few weeks or maybe closer to a month given that it's not too dire. With the way things are going, if anything, your Benelon might come back a little bit in that time frame, but we'll do the that update and get that document to you. Too easy, Kendall. If you don't have anything for me, I'll let you get back to it. Too easy.\n\nThanks for your time. Bye now.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":3.1999998,"end":3.9399998,"sentiment":"positive","sentiment_score":0.46101583540439606},{"text":"Good afternoon, Kendall.","start":4.08,"end":4.88,"sentiment":"positive","sentiment_score":0.34883298476537067},{"text":"It's Carl calling from OQ Financial.","start":4.88,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.23878021289904913},{"text":"How are you today?","start":6.3199997,"end":7.14,"sentiment":"neutral","sentiment_score":0.27057578787207603},{"text":"Yeah.","start":9.12,"end":9.36,"sentiment":"neutral","sentiment_score":0.2138555943965912}],"sentiment":"neutral","sentiment_score":0.2935856655240059,"num_words":16,"start":3.1999998,"end":9.36},{"sentences":[{"text":"Not too bad at all.","start":9.36,"end":10.08,"sentiment":"neutral","sentiment_score":0.31267675161361697},{"text":"Thanks for asking.","start":10.08,"end":10.639999,"sentiment":"positive","sentiment_score":0.6267861127853394},{"text":"I just scheduled in for you annual review.","start":10.639999,"end":12.16,"sentiment":"positive","sentiment_score":0.4181199185550213},{"text":"Is now still a good time for you?","start":12.16,"end":13.575,"sentiment":"positive","sentiment_score":0.37963892146945},{"text":"No.","start":19.175,"end":19.414999,"sentiment":"neutral","sentiment_score":-0.10559750348329544}],"sentiment":"positive","sentiment_score":0.3888086125254631,"num_words":25,"start":9.36,"end":19.414999},{"sentences":[{"text":"That that's perfect.","start":19.414999,"end":20.395,"sentiment":"neutral","sentiment_score":-0.08516288548707962},{"text":"There is some documents getting sent out.","start":22.295,"end":24.294998,"sentiment":"neutral","sentiment_score":-0.08947304636240005},{"text":"So with that one, they obviously don't review those while driving.","start":24.294998,"end":27.64,"sentiment":"neutral","sentiment_score":-0.11617078361186114},{"text":"But I can just talk you through what's there, and then you can have a look at them once you get home and see if there's any questions concerned.","start":27.64,"end":33.96,"sentiment":"neutral","sentiment_score":0.02044441326168077},{"text":"You can come back if that's alright.","start":33.96,"end":35.42,"sentiment":"neutral","sentiment_score":0.021008396787302836}],"sentiment":"neutral","sentiment_score":-0.0249075761162921,"num_words":57,"start":19.414999,"end":35.42},{"sentences":[{"text":"No problem.","start":37.64,"end":38.38,"sentiment":"neutral","sentiment_score":0.1737220510840416},{"text":"Just to let you know, Kendall, these calls are recorded for quality and training purposes there.","start":38.6,"end":41.559998,"sentiment":"neutral","sentiment_score":0.06249058176763356},{"text":"And just to get stuck into that today.","start":41.559998,"end":42.985,"sentiment":"neutral","sentiment_score":0.07135113840922713},{"text":"If I could just pass you through security there, just that name, date of birth, and current address?","start":42.985,"end":46.605,"sentiment":"neutral","sentiment_score":0.05558994164069494},{"text":"Brilliant.","start":59.079998,"end":59.579998,"sentiment":"positive","sentiment_score":0.5467996597290039}],"sentiment":"neutral","sentiment_score":0.07701158059967889,"num_words":45,"start":37.64,"end":59.579998},{"sentences":[{"text":"Thanks for that one.","start":59.64,"end":60.78,"sentiment":"positive","sentiment_score":0.5659309774637222},{"text":"Now in regards to I know because there was sort of a few months here now, probably five to six months we originally tried to get a hold of there and some business sort of things happened that way.","start":60.84,"end":69.435,"sentiment":"neutral","sentiment_score":-0.02230717786229574},{"text":"In a bit slack with reaching out.","start":69.435,"end":71.295,"sentiment":"neutral","sentiment_score":-0.1440719131912504},{"text":"So apologies for that one.","start":71.435,"end":73.055,"sentiment":"neutral","sentiment_score":-0.27458724081516267},{"text":"In regard in regards to that, do you have any questions before we jump into the call at all in regarding your account or anything, Kendall, that you do wanna address today?","start":73.515,"end":80.895,"sentiment":"neutral","sentiment_score":-0.004242286959197372}],"sentiment":"neutral","sentiment_score":-0.012913204665327895,"num_words":87,"start":59.64,"end":80.895},{"sentences":[{"text":"Happy days.","start":90.409996,"end":91.229996,"sentiment":"positive","sentiment_score":0.521683856844902},{"text":"No problem at all.","start":91.53,"end":92.649994,"sentiment":"neutral","sentiment_score":0.23066194728016853},{"text":"So what we'll do there was just go through and update some details in regards to FIFO, make sure everything's up to date.","start":92.649994,"end":97.455,"sentiment":"neutral","sentiment_score":0.1824225303919419},{"text":"I'll give you a rundown on sort of where things are at.","start":97.455,"end":99.875,"sentiment":"neutral","sentiment_score":0.17385975333551565},{"text":"And then from there, any questions that come from that, feel free to to jump in and cut me off whenever you'd like.","start":100.095,"end":104.994995,"sentiment":"neutral","sentiment_score":0.09436673881567043}],"sentiment":"neutral","sentiment_score":0.1627888396033086,"num_words":64,"start":90.409996,"end":104.994995},{"sentences":[{"text":"Not a problem at all.","start":106.895,"end":108.115,"sentiment":"positive","sentiment_score":0.37831866145133974},{"text":"So we'll just confirm a few details there.","start":108.255,"end":110.675,"sentiment":"positive","sentiment_score":0.34890373051166534},{"text":"As you said, you haven't moved, so that's fantastic for me.","start":110.815,"end":113.07,"sentiment":"positive","sentiment_score":0.6410223218527707},{"text":"Do I have to update anything?","start":113.07,"end":114.37,"sentiment":"neutral","sentiment_score":0.1452504682044188},{"text":"In regards to your next of kin, I've got Belle there and her number.","start":114.99,"end":119.950005,"sentiment":"neutral","sentiment_score":0.043887813575565815}],"sentiment":"neutral","sentiment_score":0.3004545657048849,"num_words":44,"start":106.895,"end":119.950005},{"sentences":[{"text":"Is that changed at all?","start":119.950005,"end":121.33,"sentiment":"neutral","sentiment_score":0.0211230605840683},{"text":"Great.","start":131.085,"end":131.585,"sentiment":"positive","sentiment_score":0.4010085463523865},{"text":"Perfect.","start":132.765,"end":133.265,"sentiment":"positive","sentiment_score":0.3637363910675049},{"text":"And I don't have it actually listed here as well.","start":133.325,"end":135.325,"sentiment":"neutral","sentiment_score":0.028393259458243846},{"text":"You're a spouse as well.","start":135.325,"end":136.705,"sentiment":"neutral","sentiment_score":0.005844354722648859}],"sentiment":"neutral","sentiment_score":0.053796118569814345,"num_words":22,"start":119.950005,"end":136.705},{"sentences":[{"text":"Brilliant.","start":138.15001,"end":138.63,"sentiment":"neutral","sentiment_score":0.32082700729370117},{"text":"Just double checking.","start":138.63,"end":139.43001,"sentiment":"neutral","sentiment_score":0.16773680845896402},{"text":"Don't wanna make any assumptions.","start":139.43001,"end":140.81001,"sentiment":"neutral","sentiment_score":-0.07384028621017932},{"text":"And do you have any current dependents at the moment there, Kendall?","start":141.51001,"end":144.89,"sentiment":"neutral","sentiment_score":-0.02687852984915177},{"text":"Yep.","start":147.83,"end":148.33,"sentiment":"neutral","sentiment_score":-0.014690957963466644}],"sentiment":"neutral","sentiment_score":0.0053455766121094875,"num_words":22,"start":138.15001,"end":148.33},{"sentences":[{"text":"Except maybe a dog or a cat living at home.","start":148.47,"end":150.73001,"sentiment":"neutral","sentiment_score":-0.02594213169068098},{"text":"Three cats.","start":152.00499,"end":152.825,"sentiment":"neutral","sentiment_score":-0.027600837871432304},{"text":"Three dogs.","start":152.885,"end":153.705,"sentiment":"neutral","sentiment_score":-0.011412713676691055},{"text":"Fair enough.","start":156.325,"end":157.125,"sentiment":"neutral","sentiment_score":0.026219826191663742},{"text":"I'm a bit the same.","start":157.125,"end":158.00499,"sentiment":"neutral","sentiment_score":-0.03194843977689743}],"sentiment":"neutral","sentiment_score":-0.021178617452581722,"num_words":21,"start":148.47,"end":158.00499},{"sentences":[{"text":"I've got a dog there myself.","start":158.00499,"end":159.305,"sentiment":"neutral","sentiment_score":-0.005130399018526077},{"text":"And then in regards to your Occupace, Nick, and are you still the telecommation telecommunication?","start":159.605,"end":163.545,"sentiment":"neutral","sentiment_score":-0.004409241024404764},{"text":"Sorry, engineer?","start":163.92499,"end":164.665,"sentiment":"neutral","sentiment_score":-0.06531195715069771},{"text":"No?","start":164.72499,"end":165.22499,"sentiment":"neutral","sentiment_score":-0.0898810476064682},{"text":"Yep.","start":173.43001,"end":173.67,"sentiment":"neutral","sentiment_score":0.0177931971848011}],"sentiment":"neutral","sentiment_score":-0.011985310968011618,"num_words":25,"start":158.00499,"end":173.67},{"sentences":[{"text":"And then what's your current employer's name?","start":173.67,"end":175.93001,"sentiment":"neutral","sentiment_score":-0.006874333734491042},{"text":"Perfect.","start":183.52501,"end":184.02501,"sentiment":"neutral","sentiment_score":-0.0124443881213665},{"text":"And then in regards to that role, like, what would you say your day to day is like?","start":184.24501,"end":187.685,"sentiment":"neutral","sentiment_score":0.04755151147643725},{"text":"Are you a 100% in the office with that one now?","start":187.685,"end":189.87,"sentiment":"neutral","sentiment_score":0.06249002705920826},{"text":"Yep.","start":202.045,"end":202.36499,"sentiment":"neutral","sentiment_score":0.06325805932283401}],"sentiment":"neutral","sentiment_score":0.04068449577071557,"num_words":38,"start":173.67,"end":202.36499},{"sentences":[{"text":"And distance wise, how sort of far is that from, like, your office?","start":202.36499,"end":206.22499,"sentiment":"neutral","sentiment_score":0.02279762651484746},{"text":"Yep.","start":216.45999,"end":216.78,"sentiment":"neutral","sentiment_score":0.05470113083720207},{"text":"And how often do you say you go to this site for that one?","start":216.78,"end":220.29999,"sentiment":"neutral","sentiment_score":0.03568892699799368},{"text":"Like, how long are you in the office versus how long are you doing site visit?","start":220.29999,"end":223.2,"sentiment":"neutral","sentiment_score":0.01804278919007629},{"text":"Perfect.","start":234.95499,"end":235.275,"sentiment":"positive","sentiment_score":0.5746170282363892}],"sentiment":"neutral","sentiment_score":0.038089264639549786,"num_words":45,"start":202.36499,"end":235.275},{"sentences":[{"text":"So probably, like, 60% office work and about 40% out in the field doing those visits and travel.","start":235.275,"end":241.375,"sentiment":"positive","sentiment_score":0.340987804863188},{"text":"Perfect.","start":246.09,"end":246.59,"sentiment":"positive","sentiment_score":0.35047924518585205},{"text":"And then with that one there, are you sort of in any, like, active, like, construction zones?","start":247.29,"end":252.33,"sentiment":"neutral","sentiment_score":0.036064094589913595},{"text":"Are you just are you wearing your appropriate PPE, or are you not doing any of that?","start":252.33,"end":255.85,"sentiment":"neutral","sentiment_score":-0.026609965983559105},{"text":"You're just visiting the side office?","start":255.85,"end":257.38998,"sentiment":"neutral","sentiment_score":0.007848675556791326}],"sentiment":"neutral","sentiment_score":0.11349274529444085,"num_words":59,"start":235.275,"end":257.38998},{"sentences":[{"text":"Yeah.","start":277.44,"end":277.84,"sentiment":"neutral","sentiment_score":0.06938529014587402},{"text":"Not a problem.","start":277.84,"end":278.74,"sentiment":"neutral","sentiment_score":0.09590313956141472},{"text":"Just the reason I asked so many sort of questions just in relation to it because in regards to, like, your occupation rating with your insurances, if it comes out as better, then we can look at sort of changing that or whether or not we're looking at changing things.","start":279.12,"end":293.275,"sentiment":"neutral","sentiment_score":-0.03985410772264004},{"text":"Given that you're on a production line, I dare say that, no, it probably won't be better.","start":293.335,"end":299.02,"sentiment":"neutral","sentiment_score":-0.28026360141880374},{"text":"And then in regards to that, we'll touch on my insurance a bit later.","start":300.92,"end":304.2,"sentiment":"neutral","sentiment_score":-0.0034414462612143587}],"sentiment":"neutral","sentiment_score":-0.07586202528327704,"num_words":85,"start":277.44,"end":304.2},{"sentences":[{"text":"But then with that too in the production lines and in the warehouses, do you work above, like, 12 meters at all?","start":304.2,"end":309.96,"sentiment":"neutral","sentiment_score":-0.022096084388480944},{"text":"You're not in any catwalks or anything like that?","start":309.96,"end":311.925,"sentiment":"neutral","sentiment_score":-0.11871215452750523},{"text":"No other hazardous materials that you work with?","start":316.00497,"end":318.425,"sentiment":"neutral","sentiment_score":-0.22563123516738415},{"text":"Perfect.","start":320.805,"end":321.125,"sentiment":"neutral","sentiment_score":0.3095462918281555},{"text":"And how long have you been doing that role now?","start":321.125,"end":323.22498,"sentiment":"neutral","sentiment_score":0.05437192339450121}],"sentiment":"neutral","sentiment_score":-0.05012615205720067,"num_words":50,"start":304.2,"end":323.22498},{"sentences":[{"text":"Okay.","start":328.74,"end":328.98,"sentiment":"neutral","sentiment_score":0.0539402961730957},{"text":"So fairly, fairly fresh then, sort of the the four month mark?","start":328.98,"end":332.2,"sentiment":"neutral","sentiment_score":0.05489092910041412},{"text":"Yep.","start":335.7,"end":336.045,"sentiment":"positive","sentiment_score":0.4757841229438782},{"text":"And then as far as your industry experience, did any of that carry over to your current role?","start":336.125,"end":340.945,"sentiment":"neutral","sentiment_score":0.038695780353413686},{"text":"Yep.","start":352.38,"end":352.88,"sentiment":"neutral","sentiment_score":0.03301083296537399}],"sentiment":"neutral","sentiment_score":0.05811971053481102,"num_words":33,"start":328.74,"end":352.88},{"sentences":[{"text":"And how long were were you doing that?","start":353.82,"end":355.74,"sentiment":"neutral","sentiment_score":-0.011182630667462945},{"text":"Sorry.","start":355.74,"end":355.98,"sentiment":"neutral","sentiment_score":-0.11026227474212646},{"text":"Just to refresh my memory.","start":355.98,"end":356.94,"sentiment":"neutral","sentiment_score":-0.0924857497215271},{"text":"I don't have it written down in front of me.","start":356.94,"end":358.54,"sentiment":"neutral","sentiment_score":-0.09563335180282592},{"text":"Like, for the IT yeah.","start":358.54,"end":359.98,"sentiment":"neutral","sentiment_score":-0.025136852264404298}],"sentiment":"neutral","sentiment_score":-0.060143787863439525,"num_words":29,"start":353.82,"end":359.98},{"sentences":[{"text":"IT.","start":359.98,"end":360.48,"sentiment":"neutral","sentiment_score":-0.01718035526573658},{"text":"Okay.","start":366.565,"end":366.965,"sentiment":"neutral","sentiment_score":0.1996416300535202},{"text":"Great.","start":366.965,"end":367.465,"sentiment":"positive","sentiment_score":0.4101020693778992},{"text":"And then in regards to the size you're looking after, what actually industry of production are they working in?","start":369.285,"end":375.865,"sentiment":"neutral","sentiment_score":0.0755716943623204},{"text":"Okay.","start":389.73502,"end":390.135,"sentiment":"neutral","sentiment_score":0.22696185111999512}],"sentiment":"neutral","sentiment_score":0.09806032122477241,"num_words":23,"start":359.98,"end":390.135},{"sentences":[{"text":"Brilliant.","start":390.135,"end":390.61502,"sentiment":"positive","sentiment_score":0.3831072449684143},{"text":"Any yeah.","start":390.61502,"end":392.855,"sentiment":"neutral","sentiment_score":0.06210894696414471},{"text":"Yeah.","start":392.855,"end":393.335,"sentiment":"neutral","sentiment_score":0.03974105417728424},{"text":"Food manufacturing.","start":393.335,"end":394.155,"sentiment":"neutral","sentiment_score":0.04592425376176834},{"text":"Perfect.","start":397.255,"end":397.755,"sentiment":"positive","sentiment_score":0.37721967697143555}],"sentiment":"neutral","sentiment_score":0.14516205393842288,"num_words":7,"start":390.135,"end":397.755},{"sentences":[{"text":"And then as far as your employment, so that's you full time?","start":397.89502,"end":400.71,"sentiment":"neutral","sentiment_score":0.08728985271106164},{"text":"Yep.","start":402.22998,"end":402.47,"sentiment":"neutral","sentiment_score":0.03432419151067734},{"text":"And is that like a thirty eight hour week?","start":402.47,"end":403.91,"sentiment":"neutral","sentiment_score":0.0021022672040594947},{"text":"Is that a little bit different?","start":403.91,"end":405.13,"sentiment":"neutral","sentiment_score":-0.027834565999607246},{"text":"Or and with that, is your salary changed at all with that role?","start":408.22998,"end":412.16998,"sentiment":"neutral","sentiment_score":-0.013712581820212878}],"sentiment":"neutral","sentiment_score":0.018425655346818087,"num_words":41,"start":397.89502,"end":412.16998},{"sentences":[{"text":"Perfect.","start":421.445,"end":421.945,"sentiment":"neutral","sentiment_score":0.009658871218562126},{"text":"And then as far as, like, your expenditures and savings, I know you're sort of roughly trying to put away a $100 a week and weren't too sure your expenditures.","start":422.405,"end":428.83002,"sentiment":"neutral","sentiment_score":-0.005000175574483971},{"text":"Have you managed to work out your budget a little bit better?","start":428.83002,"end":431.23,"sentiment":"neutral","sentiment_score":0.042001263393710055},{"text":"Do you know sort of your outgoings versus savings at the moment?","start":431.23,"end":434.53,"sentiment":"neutral","sentiment_score":-0.004768581478856504},{"text":"Yep.","start":442.605,"end":442.845,"sentiment":"neutral","sentiment_score":0.023625586181879044}],"sentiment":"neutral","sentiment_score":0.005894131663288655,"num_words":56,"start":421.445,"end":442.845},{"sentences":[{"text":"And what's that sort of currently sitting on if you don't mind me asking?","start":442.845,"end":445.345,"sentiment":"neutral","sentiment_score":-0.049354751860456805},{"text":"Yeah.","start":448.365,"end":448.865,"sentiment":"neutral","sentiment_score":-0.06473733484745026},{"text":"Sometimes it's a little bit better out of sight out of mind.","start":449.645,"end":452.225,"sentiment":"neutral","sentiment_score":-0.07808423632134993},{"text":"Yeah.","start":455.74002,"end":456.24002,"sentiment":"neutral","sentiment_score":-0.023868517950177193},{"text":"No.","start":459.18002,"end":459.5,"sentiment":"neutral","sentiment_score":-0.144727885723114}],"sentiment":"neutral","sentiment_score":-0.06418314139390814,"num_words":29,"start":442.845,"end":459.5},{"sentences":[{"text":"That that's perfectly fine.","start":459.5,"end":460.46002,"sentiment":"neutral","sentiment_score":-0.01570282271131873},{"text":"It's not a a huge thing anyway unless you're looking to invest some of it.","start":460.46002,"end":464.22,"sentiment":"neutral","sentiment_score":-0.05594861010710398},{"text":"But in in time as well, you're still putting that money away.","start":464.22,"end":467.205,"sentiment":"neutral","sentiment_score":-0.038415029334525265},{"text":"And do you know roughly what sort of your outgoing looks like per week?","start":467.205,"end":470.185,"sentiment":"neutral","sentiment_score":0.0036375469395092557},{"text":"You put in the bank of gas?","start":475.205,"end":476.745,"sentiment":"neutral","sentiment_score":-0.043314654380083084}],"sentiment":"neutral","sentiment_score":-0.03106341765333827,"num_words":52,"start":459.5,"end":476.745},{"sentences":[{"text":"Yep.","start":487.22,"end":487.72,"sentiment":"neutral","sentiment_score":-0.007830323651432991},{"text":"Yep.","start":490.675,"end":491.07498,"sentiment":"neutral","sentiment_score":-0.1244981735944748},{"text":"And with the price of a Zingabox these days, it it gets quickly gets eaten away.","start":491.07498,"end":495.095,"sentiment":"negative","sentiment_score":-0.4364141970872879},{"text":"Brilliant.","start":503.33002,"end":503.83002,"sentiment":"positive","sentiment_score":0.5407679080963135},{"text":"And then within regards to your superannuation, are you looking at putting any more into super or make any additional contributions in any sense, salary, sacrifice, or otherwise?","start":505.49002,"end":513.59,"sentiment":"neutral","sentiment_score":0.032204193129603355}],"sentiment":"neutral","sentiment_score":-0.12069085818972994,"num_words":47,"start":487.22,"end":513.59},{"sentences":[{"text":"Yeah.","start":527.28,"end":527.60004,"sentiment":"neutral","sentiment_score":0.05015924200415611},{"text":"No.","start":527.60004,"end":527.84,"sentiment":"neutral","sentiment_score":-0.13044962286949158},{"text":"I completely understand that.","start":527.84,"end":529.36005,"sentiment":"neutral","sentiment_score":-0.08420960232615471},{"text":"And, obviously, you know, putting a little away now can help sort of grow it towards a balance that, you know, can make it comp retirement a little bit more comfortable, all things sort of going to plan.","start":529.36005,"end":540.775,"sentiment":"neutral","sentiment_score":0.20488928572127693},{"text":"I can let you know it's sort of sitting around the $1.41, like 1,400 1,000 off a 141,700.","start":541.315,"end":551.71497,"sentiment":"neutral","sentiment_score":0.23514685448673037}],"sentiment":"neutral","sentiment_score":0.18711786206451156,"num_words":62,"start":527.28,"end":551.71497},{"sentences":[{"text":"Sorry.","start":551.71497,"end":552.21497,"sentiment":"neutral","sentiment_score":-0.27992308139801025},{"text":"I'm sticking with my throat.","start":552.275,"end":553.65497,"sentiment":"negative","sentiment_score":-0.46583875417709353},{"text":"Currently then, and it has been tracking quite well, not only year on year.","start":555.41003,"end":560.31,"sentiment":"neutral","sentiment_score":0.2704245959009443},{"text":"Within regards to that one, there is one active investment that I will touch on a little bit later there and have a bit more discussion around that and a potential update, but I'll finish the details of it.","start":560.61,"end":571.145,"sentiment":"neutral","sentiment_score":0.15895431297711837},{"text":"And as far as, like, your sales back amount that you you might be willing to do, like, have you thought about a figure that you'd, like, sort of be out of foregoing to, like, terms of a take home pay?","start":571.685,"end":580.44,"sentiment":"neutral","sentiment_score":0.019966328334881038}],"sentiment":"neutral","sentiment_score":0.08194665158167481,"num_words":100,"start":551.71497,"end":580.44},{"sentences":[{"text":"Yeah.","start":586.52,"end":586.84,"sentiment":"neutral","sentiment_score":0.02920306846499443},{"text":"Because because with that too, like, the 50 to 100 out of your pay works out to be, like, less in terms of, like, what you're foregoing as a income anyway because, obviously, you're gonna take into account your your marginal tax rate as well.","start":586.84,"end":600.405,"sentiment":"neutral","sentiment_score":0.010825167679124408},{"text":"And given that you're sort of in that sort of mid range tax rate there, you're looking around 31% of that or 30% plus your Medicare levy goes to towards taxes.","start":601.265,"end":611.72,"sentiment":"neutral","sentiment_score":-0.01087629332417442},{"text":"So, really, if you put, like, a $100 in, you're sort of losing 70 at the end of the day versus the the actual 100, and then you get 85 going into super based on the the 15% tax rate in there.","start":613.62,"end":625.125,"sentiment":"neutral","sentiment_score":-0.111088440975263},{"text":"I can make a little note of that looking to sort of that 50 to a 100 mark and what that looks like.","start":625.42505,"end":629.905,"sentiment":"neutral","sentiment_score":0.24496812794519507}],"sentiment":"neutral","sentiment_score":0.008082555934891735,"num_words":142,"start":586.52,"end":629.905},{"sentences":[{"text":"Because as I said, we're just looking at doing an update just with one investment there so we can look and show you what that looks like with that and just give you the figures, both the 50 and a 100 as an alternative.","start":629.905,"end":640.57996,"sentiment":"neutral","sentiment_score":0.15585799820043825},{"text":"And then if you decide to go ahead with that, obviously, you just go to your employer, and then you can sort of submit that with the payroll if they're happy to do it, and then they can just sort of start that for you.","start":640.63995,"end":651.135,"sentiment":"neutral","sentiment_score":0.15276197890440624},{"text":"Yeah.","start":651.135,"end":651.635,"sentiment":"neutral","sentiment_score":0.1664782464504242},{"text":"Not a problem at all.","start":651.695,"end":653.075,"sentiment":"positive","sentiment_score":0.3793009102344513},{"text":"Brilliant.","start":654.575,"end":654.895,"sentiment":"positive","sentiment_score":0.6803652048110962}],"sentiment":"neutral","sentiment_score":0.17161863514532646,"num_words":96,"start":629.905,"end":654.895},{"sentences":[{"text":"And then as far as the the mortgage goes with the house, and that's it's worth around the 1.1.","start":654.895,"end":658.63995,"sentiment":"neutral","sentiment_score":0.16486322840577677},{"text":"You have around $4.50 owing.","start":658.63995,"end":660.0,"sentiment":"neutral","sentiment_score":0.10652673691511154},{"text":"Is that still sort of roughly?","start":660.0,"end":661.27997,"sentiment":"neutral","sentiment_score":0.07358276595671971},{"text":"Obviously, you paid down a little bit, but maybe don't have the figures in front of you.","start":661.27997,"end":664.91,"sentiment":"neutral","sentiment_score":-0.016985253376119277},{"text":"Perfect.","start":673.455,"end":673.955,"sentiment":"positive","sentiment_score":0.49459224939346313}],"sentiment":"neutral","sentiment_score":0.08984113670885563,"num_words":48,"start":654.895,"end":673.955},{"sentences":[{"text":"Yeah.","start":678.095,"end":678.255,"sentiment":"neutral","sentiment_score":0.21887072920799255},{"text":"Yeah.","start":678.255,"end":678.755,"sentiment":"neutral","sentiment_score":0.19356143474578855},{"text":"Plenty of equity in that one.","start":680.015,"end":681.21497,"sentiment":"neutral","sentiment_score":0.28203581521908444},{"text":"And were you thinking of doing, like, the investment property route at any point?","start":681.21497,"end":684.415,"sentiment":"neutral","sentiment_score":0.08942056234393801},{"text":"Or no.","start":684.415,"end":690.62,"sentiment":"neutral","sentiment_score":-0.05244535021483898}],"sentiment":"neutral","sentiment_score":0.13548517615223923,"num_words":24,"start":678.095,"end":690.62},{"sentences":[{"text":"Completely understand.","start":690.62,"end":691.42004,"sentiment":"neutral","sentiment_score":-0.044926438480615616},{"text":"Well, obviously, things change.","start":691.42004,"end":692.38,"sentiment":"neutral","sentiment_score":0.006948227062821388},{"text":"We have access to a few mortgage brokers we work with you.","start":692.38,"end":694.78,"sentiment":"neutral","sentiment_score":0.11357732303440571},{"text":"If you ever did want a referral to have a chat with anyone, if you're comfortable just with the way things are going as well.","start":694.78,"end":699.675,"sentiment":"neutral","sentiment_score":0.12223753556609154},{"text":"Like you said, you do have plenty of equity in it, so you could potentially look at it as, like, your next sort of step in your sort of financial goals.","start":700.15497,"end":706.975,"sentiment":"neutral","sentiment_score":0.15841702864535392}],"sentiment":"neutral","sentiment_score":0.12523965114677274,"num_words":74,"start":690.62,"end":706.975},{"sentences":[{"text":"But, yeah, completely up to you at the end of the day.","start":707.675,"end":710.33496,"sentiment":"neutral","sentiment_score":0.13865984665850797},{"text":"And then as far as any other assets and liabilities that you have that we're not currently aware of, is there anything else that we don't currently have?","start":711.69,"end":717.87,"sentiment":"neutral","sentiment_score":-0.010730340694343405},{"text":"Yeah.","start":725.54504,"end":726.04504,"sentiment":"neutral","sentiment_score":0.0035140616819262505},{"text":"Yeah.","start":734.265,"end":734.765,"sentiment":"neutral","sentiment_score":0.07942381501197815},{"text":"Great.","start":738.6,"end":739.1,"sentiment":"positive","sentiment_score":0.5423060655593872}],"sentiment":"neutral","sentiment_score":0.04624912936543656,"num_words":43,"start":707.675,"end":739.1},{"sentences":[{"text":"Yeah.","start":745.87994,"end":746.37994,"sentiment":"neutral","sentiment_score":0.09797072410583496},{"text":"Well, that's it.","start":747.0,"end":747.8,"sentiment":"neutral","sentiment_score":0.10509668042262395},{"text":"You'll get it on the weekends to go out and do your holidays away and things like that as well.","start":747.8,"end":752.675,"sentiment":"neutral","sentiment_score":0.10230106674134731},{"text":"And so if you've answered this previously or not, obviously, like I said, we do a few business updates.","start":756.975,"end":761.21497,"sentiment":"neutral","sentiment_score":0.029338370224362927},{"text":"We've updated the workbook, and it might not have been carried across, but you've never declared bankruptcy or ended a part nine debt agreement?","start":761.21497,"end":766.355,"sentiment":"neutral","sentiment_score":-0.009182588701757291}],"sentiment":"neutral","sentiment_score":0.04173625381524438,"num_words":67,"start":745.87994,"end":766.355},{"sentences":[{"text":"Brilliant.","start":771.37,"end":771.85,"sentiment":"positive","sentiment_score":0.432885229587555},{"text":"That's good to hear.","start":771.85,"end":772.56995,"sentiment":"positive","sentiment_score":0.41908952593803406},{"text":"And still currently a nonsmoker?","start":772.56995,"end":773.94995,"sentiment":"neutral","sentiment_score":0.04389330632984638},{"text":"And as far as health goes, no health issues, no current medications or anything like that?","start":776.64996,"end":781.14996,"sentiment":"neutral","sentiment_score":0.015927089378237724},{"text":"Brilliant.","start":783.075,"end":783.395,"sentiment":"neutral","sentiment_score":0.10958455502986908}],"sentiment":"neutral","sentiment_score":0.09974547592854058,"num_words":27,"start":771.37,"end":783.395},{"sentences":[{"text":"And do you currently hold any private health insurance?","start":783.395,"end":785.815,"sentiment":"neutral","sentiment_score":0.0038809972918695873},{"text":"I mean, is that hospitals and extras or just extras?","start":790.59503,"end":792.93506,"sentiment":"neutral","sentiment_score":0.00422116257250309},{"text":"Comprehensive?","start":801.73,"end":802.23,"sentiment":"neutral","sentiment_score":0.29582035541534424},{"text":"Not a problem at all.","start":802.45,"end":803.82996,"sentiment":"neutral","sentiment_score":0.18256795406341553},{"text":"Yeah.","start":804.45,"end":804.69,"sentiment":"neutral","sentiment_score":0.15167436003684998}],"sentiment":"neutral","sentiment_score":0.05528750335081266,"num_words":26,"start":783.395,"end":804.69},{"sentences":[{"text":"So So if you start losing your sight, you can get your free glasses, your dental checkups, things like that as well.","start":804.69,"end":809.985,"sentiment":"neutral","sentiment_score":0.16757928783243353},{"text":"And I have here that you had a will in place.","start":811.805,"end":814.125,"sentiment":"neutral","sentiment_score":0.1495695412158966},{"text":"Is that currently still up to date and accurate?","start":814.125,"end":816.225,"sentiment":"neutral","sentiment_score":0.10696711722347471},{"text":"Perfect.","start":818.54004,"end":818.86,"sentiment":"positive","sentiment_score":0.582202136516571},{"text":"And do you have a power of attorney in place with that one?","start":818.86,"end":821.12,"sentiment":"neutral","sentiment_score":0.09137377458123061}],"sentiment":"neutral","sentiment_score":0.14401383119236147,"num_words":56,"start":804.69,"end":821.12},{"sentences":[{"text":"No.","start":827.26,"end":827.42,"sentiment":"neutral","sentiment_score":-0.08459536731243134},{"text":"That's not a problem at all.","start":827.42,"end":828.62,"sentiment":"neutral","sentiment_score":0.05697070310513178},{"text":"Obviously, power of attorney is used generally in conjunction with anything that was to happen to you If you're incapacitated, that someone can make those decisions.","start":828.62,"end":835.495,"sentiment":"neutral","sentiment_score":-0.011966501219341388},{"text":"Yeah.","start":839.55505,"end":839.955,"sentiment":"neutral","sentiment_score":0.03618890792131424},{"text":"Not a problem at all.","start":839.955,"end":841.97504,"sentiment":"neutral","sentiment_score":0.08675894439220429}],"sentiment":"neutral","sentiment_score":0.010668806397379974,"num_words":39,"start":827.26,"end":841.97504},{"sentences":[{"text":"And then within regards to this one, it's a little bit odd.","start":843.315,"end":848.53,"sentiment":"neutral","sentiment_score":-0.03809206218769153},{"text":"I have a question, but you're not politically exposed to personal.","start":848.53,"end":851.43,"sentiment":"neutral","sentiment_score":-0.14161183177070183},{"text":"You're not in politics.","start":851.57,"end":852.52997,"sentiment":"neutral","sentiment_score":-0.19721407070755959},{"text":"You're family in politics.","start":852.52997,"end":853.64996,"sentiment":"neutral","sentiment_score":-0.1377239152789116},{"text":"Yeah.","start":853.64996,"end":853.88995,"sentiment":"neutral","sentiment_score":0.012089813128113748}],"sentiment":"neutral","sentiment_score":-0.10445303207961842,"num_words":32,"start":843.315,"end":853.88995},{"sentences":[{"text":"Not a problem.","start":853.88995,"end":854.70996,"sentiment":"neutral","sentiment_score":0.024535182863473892},{"text":"Yeah.","start":856.305,"end":856.805,"sentiment":"neutral","sentiment_score":-0.03539060428738594},{"text":"Right.","start":862.225,"end":862.705,"sentiment":"neutral","sentiment_score":-0.05382944270968437},{"text":"And then you're not a tax resident for any other country or jurisdiction at the moment?","start":862.705,"end":866.485,"sentiment":"neutral","sentiment_score":-0.0805962288286537},{"text":"Perfect.","start":868.8,"end":869.3,"sentiment":"neutral","sentiment_score":0.24955318868160248}],"sentiment":"neutral","sentiment_score":-0.04798186231743206,"num_words":22,"start":853.88995,"end":869.3},{"sentences":[{"text":"Now as far as the goals that you're working towards at the moment, I know that you just wanna pay down the the house, really, and that was the sort of main sort of midterm goal, and you didn't, like, have sort of much else you work towards.","start":869.52,"end":881.52,"sentiment":"neutral","sentiment_score":0.0774153721674035},{"text":"That's sort of the same thing.","start":881.52,"end":882.4,"sentiment":"neutral","sentiment_score":0.11602353925506274},{"text":"You're just looking at paying down the house, enjoying your your time when you do get away for a holiday and things like that?","start":882.4,"end":887.595,"sentiment":"neutral","sentiment_score":0.3252770574763417},{"text":"Perfect.","start":889.57495,"end":890.07495,"sentiment":"positive","sentiment_score":0.528694748878479},{"text":"And then with the insurance, as I said, I was just touching on those.","start":890.295,"end":893.75494,"sentiment":"neutral","sentiment_score":0.07719160164041179}],"sentiment":"neutral","sentiment_score":0.14868930807357195,"num_words":93,"start":869.52,"end":893.75494},{"sentences":[{"text":"You do have the life and TPD, so the total permanent disability and life portion for around the 200 and 76,000 with how it's CPI'd up.","start":894.13495,"end":902.26,"sentiment":"neutral","sentiment_score":0.03714853496505664},{"text":"Now, obviously, that covers for around about half the debt of your your primary resident plus, like, if you take up, like, your superannuation as well, then it covers a bit more than that.","start":903.12,"end":912.59503,"sentiment":"neutral","sentiment_score":0.06333911561352365},{"text":"But there's no sort of income replacement for your occupation and things like that if were things to to go wrong, you're not able to work.","start":912.59503,"end":919.015,"sentiment":"neutral","sentiment_score":-0.19493349670217588},{"text":"Now are you currently happy with those cover amounts?","start":919.155,"end":921.635,"sentiment":"neutral","sentiment_score":0.11521109524700376},{"text":"Is that something you wanna review?","start":921.635,"end":922.915,"sentiment":"neutral","sentiment_score":0.05567618024845918}],"sentiment":"neutral","sentiment_score":-0.005722001342490168,"num_words":101,"start":894.13495,"end":922.915},{"sentences":[{"text":"Or oh, no.","start":922.915,"end":931.55,"sentiment":"neutral","sentiment_score":0.04562712460756302},{"text":"No.","start":931.55,"end":931.79,"sentiment":"neutral","sentiment_score":0.1217503547668457},{"text":"Not a problem.","start":931.79,"end":932.61,"sentiment":"neutral","sentiment_score":0.3071714440981547},{"text":"That half the amount of the the loan with that 200 and 70 yeah.","start":944.765,"end":947.97,"sentiment":"neutral","sentiment_score":0.1580230306301798},{"text":"Yeah.","start":951.17,"end":951.67,"sentiment":"neutral","sentiment_score":-0.06485055387020111}],"sentiment":"neutral","sentiment_score":0.1512553607198325,"num_words":22,"start":922.915,"end":951.67},{"sentences":[{"text":"Okay.","start":951.73,"end":952.05,"sentiment":"neutral","sentiment_score":-0.008438806980848312},{"text":"Not a problem at all.","start":952.05,"end":953.26996,"sentiment":"neutral","sentiment_score":-0.029546156525611877},{"text":"And then with that, you don't have that income protection or trauma insurance.","start":953.32996,"end":957.00995,"sentiment":"neutral","sentiment_score":-0.14766366722492072},{"text":"Now I believe you originally recommended the income protection, but didn't go ahead with it.","start":957.00995,"end":960.85,"sentiment":"neutral","sentiment_score":-0.03932112654050191},{"text":"Is that correct?","start":960.85,"end":961.73,"sentiment":"neutral","sentiment_score":0.018441064283251762}],"sentiment":"neutral","sentiment_score":-0.07054840456190947,"num_words":37,"start":951.73,"end":961.73},{"sentences":[{"text":"Or Yeah.","start":961.73,"end":962.935,"sentiment":"neutral","sentiment_score":0.0344880698248744},{"text":"Yeah.","start":962.935,"end":963.255,"sentiment":"neutral","sentiment_score":0.05201514810323715},{"text":"Yeah.","start":963.255,"end":963.415,"sentiment":"neutral","sentiment_score":0.046362463384866714},{"text":"And then with the the trauma side of things, obviously, trauma insurance is like that other lump sum payment.","start":963.415,"end":968.21497,"sentiment":"neutral","sentiment_score":0.011901820960797761},{"text":"I just wanna touch on it, obviously, because it's been a while.","start":968.21497,"end":970.475,"sentiment":"neutral","sentiment_score":-0.009148303419351578}],"sentiment":"neutral","sentiment_score":0.008105963096022606,"num_words":35,"start":961.73,"end":970.475},{"sentences":[{"text":"In the event, you know, things like heart attacks, strokes, things like that, it is an out of pocket cost.","start":970.535,"end":974.615,"sentiment":"neutral","sentiment_score":-0.0023086032830178745},{"text":"No.","start":974.615,"end":974.855,"sentiment":"neutral","sentiment_score":0.03705263137817383},{"text":"Not a problem.","start":974.855,"end":975.675,"sentiment":"neutral","sentiment_score":0.042781018962462745},{"text":"So happy with your your current cover.","start":976.01,"end":977.85,"sentiment":"neutral","sentiment_score":-0.04527283992086138},{"text":"Obviously, you don't pay too much for that given the level.","start":977.85,"end":979.85,"sentiment":"neutral","sentiment_score":-0.10353330116380345}],"sentiment":"neutral","sentiment_score":-0.031822680229587216,"num_words":42,"start":970.535,"end":979.85},{"sentences":[{"text":"So a bit under the 5 $100 mark, really.","start":979.85,"end":982.19,"sentiment":"neutral","sentiment_score":0.04149315402739578},{"text":"As long as you're happy with all that, that can remain the same.","start":982.81,"end":985.23,"sentiment":"neutral","sentiment_score":0.253465406023539},{"text":"We can look at the the superannuation side of things.","start":985.61,"end":988.73,"sentiment":"neutral","sentiment_score":0.05968966875225305},{"text":"As I said, the portfolio as a whole is doing quite well still.","start":988.73,"end":991.635,"sentiment":"positive","sentiment_score":0.49419313210707444},{"text":"As a rate of return after fees, it's doing 9.34%, which is really still quite good.","start":992.115,"end":997.815,"sentiment":"positive","sentiment_score":0.47070075385272503}],"sentiment":"neutral","sentiment_score":0.2987066906739454,"num_words":61,"start":979.85,"end":997.815},{"sentences":[{"text":"The yeah.","start":998.03503,"end":999.555,"sentiment":"neutral","sentiment_score":0.20755546912550926},{"text":"There was two underperformers within that.","start":999.555,"end":1001.875,"sentiment":"neutral","sentiment_score":-0.030656903361280758},{"text":"Now one of them was the cyber, and that was mainly due to the start of this year.","start":1001.875,"end":1005.315,"sentiment":"neutral","sentiment_score":-0.050650297146704465},{"text":"All AI tech in cyber and all those sort of stocks have taken a bit of a a dive.","start":1005.315,"end":1010.35,"sentiment":"neutral","sentiment_score":-0.13345305268701754},{"text":"But they have high conviction in that.","start":1010.97,"end":1012.41,"sentiment":"neutral","sentiment_score":-0.025774978633437837}],"sentiment":"neutral","sentiment_score":-0.06531862850086047,"num_words":52,"start":998.03503,"end":1012.41},{"sentences":[{"text":"They're coming back over the years, the time you have till retirement, maintaining that one.","start":1012.41,"end":1016.19,"sentiment":"neutral","sentiment_score":0.004006175696849823},{"text":"The other stock is Benelung.","start":1016.49,"end":1018.41,"sentiment":"neutral","sentiment_score":-0.019737960025668144},{"text":"That is your actively managed fund.","start":1018.41,"end":1020.08997,"sentiment":"neutral","sentiment_score":0.015554580992708603},{"text":"Now the end of last year, they had an asset that was made up as a significant portion of their fund that was done for not reporting correctly and their dodgy accounting.","start":1020.08997,"end":1029.195,"sentiment":"neutral","sentiment_score":-0.134780834778212},{"text":"And then that's caused the fund to have to reevaluate the price of corporate travel given it was put on a trading hold in addition to the fact that with that as well, obviously, people lost some consumer confidence in the fund managers given that did occur.","start":1029.655,"end":1044.0701,"sentiment":"neutral","sentiment_score":-0.23196297519384546}],"sentiment":"neutral","sentiment_score":-0.14438586881650345,"num_words":105,"start":1012.41,"end":1044.0701},{"sentences":[{"text":"Now as an investment committee, like above me myself, they've decided to move away from Benelung.","start":1045.3301,"end":1050.475,"sentiment":"neutral","sentiment_score":-0.2449861727654934},{"text":"Now there is currently a loss with that and that what did occur.","start":1050.475,"end":1054.415,"sentiment":"neutral","sentiment_score":-0.21697235565919143},{"text":"But in relation to that one, those losses that can offset future losses or capital gains with that.","start":1055.675,"end":1063.775,"sentiment":"neutral","sentiment_score":-0.2533636912703514},{"text":"Yeah.","start":1066.82,"end":1067.0599,"sentiment":"neutral","sentiment_score":-0.0267935823649168},{"text":"So with that, obviously, selling low and buying high is never ideal, but to stay in the investment that they don't have faith in to perform over the long term period is also bad.","start":1067.0599,"end":1075.86,"sentiment":"neutral","sentiment_score":-0.2166101327713798}],"sentiment":"neutral","sentiment_score":-0.22795736496677485,"num_words":82,"start":1045.3301,"end":1075.86},{"sentences":[{"text":"So they are looking at removing that and trading it for something alternative.","start":1075.86,"end":1081.275,"sentiment":"neutral","sentiment_score":-0.2355930209159851},{"text":"Now you can look to go to a more passive, like, index like the rest of your portfolio and have just a lower cost investment that tracks the index, or we can replace it with an actively managed portion of that as well.","start":1081.335,"end":1094.21,"sentiment":"neutral","sentiment_score":0.01748544553857903},{"text":"Much like Benelung, it'll be like in the Australian market.","start":1094.21,"end":1096.77,"sentiment":"neutral","sentiment_score":0.0925012893974781},{"text":"It'll be like an alternative to Benelung.","start":1096.77,"end":1099.75,"sentiment":"neutral","sentiment_score":0.0607169975659677},{"text":"That was with the for an Australian equities managed fund.","start":1099.97,"end":1102.95,"sentiment":"neutral","sentiment_score":0.17595942914485932}],"sentiment":"neutral","sentiment_score":0.009623988610075181,"num_words":83,"start":1075.86,"end":1102.95},{"sentences":[{"text":"That still aims to outperform the market, and you will have a portion which is about 10% towards active investment to to Ben Long.","start":1103.4099,"end":1117.865,"sentiment":"neutral","sentiment_score":0.2656847325076039},{"text":"It's around 11.1 at the moment.","start":1117.865,"end":1120.125,"sentiment":"neutral","sentiment_score":0.016231666474292677},{"text":"And given the loss, it was around a $2,400 loss with that one.","start":1120.425,"end":1124.87,"sentiment":"neutral","sentiment_score":-0.03062365368868296},{"text":"In terms of, like, overall performance, your portfolio including that still did, like, thirteen six in terms of growth, which is still quite a good return even given the level of risk that you do have.","start":1125.33,"end":1137.465,"sentiment":"neutral","sentiment_score":0.19641722904311287},{"text":"Now as I said, like, if the the hack was to come back as well, that would obviously improve that.","start":1138.4249,"end":1142.345,"sentiment":"neutral","sentiment_score":0.2745798617601395}],"sentiment":"neutral","sentiment_score":0.18826599557404267,"num_words":99,"start":1103.4099,"end":1142.345},{"sentences":[{"text":"The Benelon, we obviously wanna look at getting rid of.","start":1142.345,"end":1144.825,"sentiment":"neutral","sentiment_score":-0.1076985877007246},{"text":"And, yeah, we can either look them replaced for the active portion, which does cost a little bit more investment cost wise, But you have the potential to outperform the market and do that a little bit better or in better long case, you also have the the down pitfalls of that where it can perform worse.","start":1144.825,"end":1160.26,"sentiment":"neutral","sentiment_score":-0.024413059318536205},{"text":"Or you can look at doing the more passive where you just pay a lower cost.","start":1160.7201,"end":1163.68,"sentiment":"neutral","sentiment_score":0.05452722904738039},{"text":"You're happy to track the the indexes that back along with one.","start":1163.68,"end":1168.385,"sentiment":"neutral","sentiment_score":0.19225482487430176},{"text":"Yeah.","start":1168.385,"end":1168.885,"sentiment":"neutral","sentiment_score":0.1019926741719246}],"sentiment":"neutral","sentiment_score":0.008468291450602313,"num_words":96,"start":1142.345,"end":1168.885},{"sentences":[{"text":"Would you prefer to, like, take the active approach or maintain, like, just a more passive moving forward?","start":1171.585,"end":1177.365,"sentiment":"neutral","sentiment_score":0.059628022420737475},{"text":"Yep.","start":1184.16,"end":1184.4,"sentiment":"neutral","sentiment_score":0.08384597301483154},{"text":"So it is like a satellite with that and you do have plenty of years unfortunately left working before you can retire.","start":1184.4,"end":1190.9601,"sentiment":"neutral","sentiment_score":0.013344269669191404},{"text":"So to have a little bit allocated to potentially outperforming the market is still a good thing if you're okay with that level of risk.","start":1190.9601,"end":1197.675,"sentiment":"neutral","sentiment_score":0.18421585530042647},{"text":"Perfect.","start":1200.695,"end":1201.195,"sentiment":"neutral","sentiment_score":0.17555031180381775}],"sentiment":"neutral","sentiment_score":0.09301001497947459,"num_words":67,"start":1171.585,"end":1201.195},{"sentences":[{"text":"And then as far as any other goals that you're looking towards in the future, is there anything else that you're looking at updating or moving towards or anything you're looking to do?","start":1201.575,"end":1209.62,"sentiment":"neutral","sentiment_score":0.08808529557603778},{"text":"Great.","start":1214.3999,"end":1214.8999,"sentiment":"positive","sentiment_score":0.7720818519592285},{"text":"So quite straightforward.","start":1215.12,"end":1216.1,"sentiment":"positive","sentiment_score":0.7042405406634012},{"text":"So as far as, like, we'll obviously have to provide a document.","start":1216.1599,"end":1218.795,"sentiment":"neutral","sentiment_score":0.237641092389822},{"text":"In the document, we'll just do the update for the investments and then show that sales act for you and what that looks like.","start":1218.795,"end":1224.7351,"sentiment":"neutral","sentiment_score":0.266104981303215}],"sentiment":"neutral","sentiment_score":0.20588809435498223,"num_words":73,"start":1201.575,"end":1224.7351},{"sentences":[{"text":"As far as anything else, there's, like, there's nothing else that you want just in that in terms of, like, reviewing any sort of cash flow, budgeting, things like that.","start":1225.3551,"end":1232.155,"sentiment":"neutral","sentiment_score":0.16275945752859117},{"text":"You're happy with your wife managing everything and everything else?","start":1232.155,"end":1234.53,"sentiment":"positive","sentiment_score":0.49672018438577653},{"text":"Right.","start":1235.49,"end":1235.99,"sentiment":"positive","sentiment_score":0.3486858904361725},{"text":"Not a problem at all.","start":1236.93,"end":1238.29,"sentiment":"neutral","sentiment_score":0.32074728012084963},{"text":"I will just jump in and do a quick risk profile just to make sure that it does line up with what we currently got you invested in.","start":1238.29,"end":1244.47,"sentiment":"neutral","sentiment_score":0.18001896169568812}],"sentiment":"neutral","sentiment_score":0.22760728092209712,"num_words":74,"start":1225.3551,"end":1244.47},{"sentences":[{"text":"It'll just be those quick questions I'll run through there with you.","start":1244.6901,"end":1247.67,"sentiment":"neutral","sentiment_score":0.15996602612237135},{"text":"Bear with me.","start":1248.9651,"end":1249.6051,"sentiment":"neutral","sentiment_score":0.09526354571183522},{"text":"It's just loading up there.","start":1249.6051,"end":1251.0651,"sentiment":"neutral","sentiment_score":0.1987347662448883},{"text":"Perfect.","start":1254.645,"end":1255.145,"sentiment":"positive","sentiment_score":0.5249237418174744},{"text":"Now as far as the most aggressive investment, if you haven't done any direct share investing at the moment, Not a problem.","start":1255.685,"end":1263.0801,"sentiment":"neutral","sentiment_score":0.01636559833687815}],"sentiment":"neutral","sentiment_score":0.09497729504784179,"num_words":43,"start":1244.6901,"end":1263.0801},{"sentences":[{"text":"And then within regards to investing and risk taking, do you still consider yourself more on the very high end of, like, risk taking and taking on that level of risk for returns?","start":1263.38,"end":1271.54,"sentiment":"neutral","sentiment_score":0.004265081927631841},{"text":"Or or okay.","start":1271.54,"end":1276.2151,"sentiment":"neutral","sentiment_score":0.022860894600550328},{"text":"Not a problem.","start":1276.435,"end":1277.175,"sentiment":"neutral","sentiment_score":0.16145612796147665},{"text":"Would you consider yourself to be more of, like, a moderate risk taker then or sort of on that a little bit of a higher end of moderate?","start":1277.3151,"end":1284.775,"sentiment":"neutral","sentiment_score":0.05821393782805119},{"text":"Perfect.","start":1287.2,"end":1287.7,"sentiment":"positive","sentiment_score":0.5042871236801147}],"sentiment":"neutral","sentiment_score":0.041587884620051176,"num_words":68,"start":1263.38,"end":1287.7},{"sentences":[{"text":"And then if you super did take a bit of a dive, would you be concerned at all in the event that it did take a a dive?","start":1288.1599,"end":1293.62,"sentiment":"neutral","sentiment_score":0.03308790689334273},{"text":"Like, if it dropped by, like, 20% and your portfolio was sitting at that 20% loss over a six month period, would you wanna be looking at changing up investments?","start":1296.96,"end":1304.115,"sentiment":"neutral","sentiment_score":-0.19591964334249495},{"text":"Would you just hold and wait for that to come back or even yeah.","start":1304.115,"end":1317.89,"sentiment":"neutral","sentiment_score":-0.121768199971744},{"text":"If like, say if it was just market trends, like, another COVID period where everything took a bit of a Yep.","start":1317.89,"end":1328.775,"sentiment":"neutral","sentiment_score":-0.11176367866851035},{"text":"Yep.","start":1333.395,"end":1333.875,"sentiment":"neutral","sentiment_score":0.25851258635520935}],"sentiment":"neutral","sentiment_score":-0.09302561034626783,"num_words":94,"start":1288.1599,"end":1333.875},{"sentences":[{"text":"Perfect.","start":1333.875,"end":1334.375,"sentiment":"positive","sentiment_score":0.6131496429443359},{"text":"Understandable.","start":1334.64,"end":1335.14,"sentiment":"positive","sentiment_score":0.45335716009140015},{"text":"And then as far as, like, your returns and what you're trying to get over the long term, would you be happy if you're getting, like, sort of 8% and above?","start":1336.0,"end":1342.9,"sentiment":"neutral","sentiment_score":0.18577984816605045},{"text":"Perfect.","start":1346.0,"end":1346.5,"sentiment":"neutral","sentiment_score":0.3018740117549896},{"text":"And then with like, when you said we did take a bit of a backward step during COVID times, did that make you concerned at all?","start":1346.905,"end":1353.325,"sentiment":"neutral","sentiment_score":-0.02077360637485981}],"sentiment":"neutral","sentiment_score":0.1097907057031989,"num_words":60,"start":1333.875,"end":1353.325},{"sentences":[{"text":"Yeah.","start":1359.24,"end":1359.74,"sentiment":"neutral","sentiment_score":0.11439062654972076},{"text":"Right.","start":1359.96,"end":1360.46,"sentiment":"neutral","sentiment_score":0.083580881357193},{"text":"And then within regards to borrowed money, you do obviously have the home loan, but would you ever put borrowed money into any other things else like an investment property in the future or a shared portfolio given if you'd, like, paid off your your debts?","start":1360.76,"end":1371.26,"sentiment":"neutral","sentiment_score":0.013818886819417063},{"text":"Yeah.","start":1377.475,"end":1377.835,"sentiment":"neutral","sentiment_score":-0.04635253921151161},{"text":"No.","start":1377.835,"end":1378.195,"sentiment":"neutral","sentiment_score":-0.1753179430961609}],"sentiment":"neutral","sentiment_score":0.012239396385848523,"num_words":50,"start":1359.24,"end":1378.195},{"sentences":[{"text":"No.","start":1378.195,"end":1378.2749,"sentiment":"neutral","sentiment_score":-0.1910562813282013},{"text":"Understandable.","start":1378.2749,"end":1378.7749,"sentiment":"neutral","sentiment_score":-0.17956912517547607},{"text":"So not in any time soon, but you're sort of comfortable with borrowed money and sort of the risk of that.","start":1379.5549,"end":1383.3949,"sentiment":"neutral","sentiment_score":-0.25729745910281226},{"text":"And if you did have the the means and, like, a little less debt, you'd probably take on some risk with some borrowed money for whether it be, like, an investment property or, like, stocks or shares portfolio.","start":1383.3949,"end":1392.91,"sentiment":"neutral","sentiment_score":-0.10294253332540393},{"text":"Perfect.","start":1396.41,"end":1396.91,"sentiment":"positive","sentiment_score":0.7143464684486389}],"sentiment":"neutral","sentiment_score":-0.14469906202547492,"num_words":62,"start":1378.195,"end":1396.91},{"sentences":[{"text":"Now in regards to that, you have come out still as a growth investor, which is about that $80.20 split in terms of 80¢ growth assets, about 20¢ defensive, which is still adequate for your time frame.","start":1397.77,"end":1408.125,"sentiment":"neutral","sentiment_score":0.22203393365655627},{"text":"You could even look to take on more risk if you you wanted to.","start":1408.125,"end":1411.265,"sentiment":"neutral","sentiment_score":0.15300149736659868},{"text":"But in in saying that it's more than appropriate and it's performing quite well even compared to some high growth portfolios as well, if you are still happy with that.","start":1412.845,"end":1420.9401,"sentiment":"positive","sentiment_score":0.3753253852327665},{"text":"Right.","start":1421.72,"end":1422.22,"sentiment":"neutral","sentiment_score":0.145671546459198},{"text":"Not a problem at all.","start":1423.24,"end":1424.4401,"sentiment":"neutral","sentiment_score":0.3177210509777069}],"sentiment":"neutral","sentiment_score":0.2694970235228539,"num_words":87,"start":1397.77,"end":1424.4401},{"sentences":[{"text":"Now the last thing I will do there, Kendall, I was supposed to send it to the start of the call, but, generally, because you're driving, you can't look at them anyway.","start":1424.4401,"end":1430.9349,"sentiment":"neutral","sentiment_score":0.006255958083784208},{"text":"But this will just be your annual review pack.","start":1431.315,"end":1433.1549,"sentiment":"neutral","sentiment_score":0.025486644150482282},{"text":"So what this call contain is a new copy of the financial services guide, a little index chart to show you, like, markets over a long term period and why we are those long term investors, A fee disclosed statement of the fees you did pay.","start":1433.1549,"end":1444.3601,"sentiment":"neutral","sentiment_score":0.029906506609657536},{"text":"Now because it's been so long since you had your interview, the fees actually did turn off.","start":1444.3601,"end":1448.14,"sentiment":"neutral","sentiment_score":-0.05236557969713912},{"text":"Now it will document, like, an ongoing service agreement to turn those back on if you were happy to stay for another twelve months.","start":1448.2001,"end":1454.06,"sentiment":"neutral","sentiment_score":0.045123177502925195}],"sentiment":"neutral","sentiment_score":0.0156094622288947,"num_words":128,"start":1424.4401,"end":1454.06},{"sentences":[{"text":"Obviously, you know, you got a discount.","start":1454.325,"end":1455.9249,"sentiment":"neutral","sentiment_score":0.12048241921833583},{"text":"We're not gonna call back any of those fees or anything like that.","start":1455.9249,"end":1458.1649,"sentiment":"neutral","sentiment_score":0.01376598786849242},{"text":"You've just got a discount for that period, which is happy days.","start":1458.1649,"end":1461.7849,"sentiment":"neutral","sentiment_score":0.20865023384491602},{"text":"And then it will have a copy of your asset performance and then also your Telstra good of currency as well.","start":1462.1649,"end":1467.225,"sentiment":"neutral","sentiment_score":0.1334924144404275},{"text":"The other few documents there is a TFN opt in form, so your tax file number, where we're storing that's been updated.","start":1467.845,"end":1473.1399,"sentiment":"neutral","sentiment_score":0.05631453476168893}],"sentiment":"neutral","sentiment_score":0.10091197401285172,"num_words":75,"start":1454.325,"end":1473.1399},{"sentences":[{"text":"So that'll just be an updated form on where we'll be storing that form, and then a a lost super search form.","start":1473.1399,"end":1479.2999,"sentiment":"neutral","sentiment_score":0.032220888290215625},{"text":"So that gets sent off to the ATO, and it just looks out there if you've got any lost super or any other funds that we're unaware of, and that normally takes six months to a year to come back anyway with the ATO.","start":1479.2999,"end":1489.135,"sentiment":"neutral","sentiment_score":0.0004957722161303867},{"text":"So that'll be everything in that document sent, and it'll be via OdooSign.","start":1489.515,"end":1494.155,"sentiment":"neutral","sentiment_score":0.10830505020343341},{"text":"I know if you've DocuSign previously, so a little bit different.","start":1494.155,"end":1496.795,"sentiment":"neutral","sentiment_score":0.0553111383183436},{"text":"It comes in an email still.","start":1496.795,"end":1498.41,"sentiment":"neutral","sentiment_score":0.061822143072883286}],"sentiment":"neutral","sentiment_score":0.032479109921647854,"num_words":96,"start":1473.1399,"end":1498.41},{"sentences":[{"text":"You'll have your attachments as separate attachments within the email, and there'll be a link to those signable documents that OSATFN and the lawsuit for research form.","start":1498.41,"end":1506.35,"sentiment":"neutral","sentiment_score":0.08499141534169515},{"text":"Great.","start":1508.73,"end":1509.2101,"sentiment":"positive","sentiment_score":0.6241984367370605},{"text":"Do you have any questions in regards to those documents or what's being sent out or any questions regarding?","start":1509.2101,"end":1513.55,"sentiment":"neutral","sentiment_score":0.15938841585854166},{"text":"No.","start":1514.555,"end":1514.795,"sentiment":"neutral","sentiment_score":0.03508928418159485},{"text":"Not a problem.","start":1514.795,"end":1515.615,"sentiment":"neutral","sentiment_score":0.08359614511330922}],"sentiment":"neutral","sentiment_score":0.12222008376071851,"num_words":51,"start":1498.41,"end":1515.615},{"sentences":[{"text":"No questions regarding, like, the your fees, what you're currently paying, anything like that?","start":1515.755,"end":1519.855,"sentiment":"neutral","sentiment_score":0.016201347578316927},{"text":"No problem.","start":1523.4349,"end":1524.175,"sentiment":"neutral","sentiment_score":0.06306331418454647},{"text":"And just double checking too.","start":1524.235,"end":1525.835,"sentiment":"neutral","sentiment_score":0.024729549139738082},{"text":"Your partner is not a client with us.","start":1525.835,"end":1527.755,"sentiment":"neutral","sentiment_score":-0.04506502207368612},{"text":"Correct?","start":1527.755,"end":1528.255,"sentiment":"neutral","sentiment_score":-0.019095055758953094}],"sentiment":"neutral","sentiment_score":0.003232600260525942,"num_words":30,"start":1515.755,"end":1528.255},{"sentences":[{"text":"Yeah.","start":1529.87,"end":1530.37,"sentiment":"neutral","sentiment_score":-0.03717060759663582},{"text":"They have, at the moment, still going a coupling fee, which can drop your your ongoing down if they were.","start":1531.07,"end":1537.09,"sentiment":"neutral","sentiment_score":-0.051442439574748276},{"text":"Now I'm not too sure what your partner does or what her finances look like or if she even wants a review.","start":1537.23,"end":1541.63,"sentiment":"neutral","sentiment_score":-0.03313941504298286},{"text":"But not a problem at all.","start":1541.63,"end":1552.495,"sentiment":"neutral","sentiment_score":0.16911103824774423},{"text":"Anything changed in the future, feel free to reach out.","start":1553.115,"end":1555.0349,"sentiment":"neutral","sentiment_score":0.0759297952055931}],"sentiment":"neutral","sentiment_score":-0.00035800590669199573,"num_words":59,"start":1529.87,"end":1555.0349},{"sentences":[{"text":"I'm not too sure if the the coupling fee will be going forward, but it is a free consultation anyway.","start":1555.0349,"end":1559.85,"sentiment":"neutral","sentiment_score":0.05171607402153313},{"text":"So whether that's friends or family, I believe even they've still got the referral bonus going.","start":1559.85,"end":1564.17,"sentiment":"neutral","sentiment_score":0.2157304803840816},{"text":"So even if someone comes on board through your referral, I think you do get a $100 gift card still.","start":1564.17,"end":1569.63,"sentiment":"neutral","sentiment_score":0.21365774422883987},{"text":"So you mention it to anyone.","start":1569.77,"end":1571.8151,"sentiment":"neutral","sentiment_score":0.0948063073058923},{"text":"Make sure they mention your name.","start":1571.9551,"end":1573.235,"sentiment":"neutral","sentiment_score":0.1096965658167998}],"sentiment":"neutral","sentiment_score":0.1468556072042488,"num_words":68,"start":1555.0349,"end":1573.235},{"sentences":[{"text":"Just as a reminder, you might still get the the gift card out of it if someone was gonna come on board through your referral anyway.","start":1573.235,"end":1579.895,"sentiment":"neutral","sentiment_score":0.13716782414569303},{"text":"But not a problem, Kendall.","start":1580.1951,"end":1581.3151,"sentiment":"neutral","sentiment_score":0.18308334946632385},{"text":"Thanks for your time today.","start":1581.3151,"end":1582.6951,"sentiment":"positive","sentiment_score":0.7124385476112366},{"text":"Otherwise, I'll let you get back to it.","start":1582.915,"end":1584.78,"sentiment":"neutral","sentiment_score":0.2591034807264805},{"text":"Perfect.","start":1586.78,"end":1587.18,"sentiment":"positive","sentiment_score":0.6959303617477417}],"sentiment":"neutral","sentiment_score":0.24028291379412015,"num_words":45,"start":1573.235,"end":1587.18},{"sentences":[{"text":"We'll probably be in touch in sort of, you know, a few weeks or maybe closer to a month given that it's not too dire.","start":1587.18,"end":1592.7001,"sentiment":"neutral","sentiment_score":0.1841494445502758},{"text":"With the way things are going, if anything, your Benelon might come back a little bit in that time frame, but we'll do the that update and get that document to you.","start":1592.7001,"end":1599.225,"sentiment":"neutral","sentiment_score":0.22941119968891144},{"text":"Too easy, Kendall.","start":1601.705,"end":1602.4249,"sentiment":"neutral","sentiment_score":0.2656196306149165},{"text":"If you don't have anything for me, I'll let you get back to it.","start":1602.4249,"end":1604.605,"sentiment":"neutral","sentiment_score":0.025073692867798463},{"text":"Too easy.","start":1605.3049,"end":1606.6649,"sentiment":"neutral","sentiment_score":0.23945235833525658}],"sentiment":"neutral","sentiment_score":0.1785748659535066,"num_words":76,"start":1587.18,"end":1606.6649},{"sentences":[{"text":"Thanks for your time.","start":1606.6649,"end":1607.385,"sentiment":"positive","sentiment_score":0.6261343359947205},{"text":"Bye now.","start":1607.385,"end":1608.0449,"sentiment":"neutral","sentiment_score":0.3122105896472931}],"sentiment":"positive","sentiment_score":0.5214930872122446,"num_words":6,"start":1606.6649,"end":1608.0449}]}}]},{"alternatives":[{"transcript":"Sorry. Alright. Alright. Good day. This is Kendall. Yeah. Good. Thanks, Kyle. How are you today? Yep. Yeah. Yeah, mate. I'm I'm about to jump in the car. So as long as you don't mind me driving on on hands free. I don't think you guys have anything I can use my hands for otherwise. Yeah. That's not. Yep. Yep. Okay. That's that's fine. Alright. Yep. Yep. So my name is Kendall Johnlyn. My date of birth is fourteen o two nineteen eighty three, and my current address is 82 Emperor Parade, Chisholm, New South Wales 2322. Yep. No. No. You're fine. No. No. No. I'm I'm I've I've remained grossly ignorant of those things. Almost It's all being looked after. I'm okay. Okay. Yeah. No. No. Bill's the same, mate. She's the same same address, same number. Still my first point of contact. Oh, second point. Yes. You sure is? No. God, no. Three cats. No. Three dogs. Sorry. I like cats. I don't know why I said that. Yeah. Three dogs. Yeah. No. No. I'm not. So that that has changed. I'm now an operations manager at a new business. So I can give you those details if you like. It is TWP Spring Services proprietary listed. No. I have two different sites to look after. So I look after a site in, which is relatively close to where I live, and another one at Port Macquarie. I travel about two hours forty five minutes, so it must be over 200 k. I'm normally up at Port Macquarie once a week. So, yeah, four days, I'm at the office in Rutherford, and then one day, I'm traveling up to Port Macquarie for the day. Yeah. Actually, that's probably what I thought. Yep. Yes. Well, yeah, we do have a production line, and which I do wear PPE for, and I I'll be on the production line on occasion. So, you know, probably every couple of days, I'll be on there for a couple of hours. But, man, nothing terribly high risk unless, of course, I'll just go all over from air condition anyway. Mhmm. Okay. No. No. No. No. No. No. I work. No confined spaces. No. Not that I work with. I started the second week of October Milwaukee. Yep. Yep. Just yeah. It's the four half months. Yeah. I like the Trips and drags, unfortunately. Yes. I'm still doing all the IT and phones and and mechanical work on occasion. Yep. Previously? Yeah. Yeah. I did that job for thirteen just over thirteen years. Thirteen and a half years. Yeah. It's actually water production. So we do bottling of 15 liter water bottles. Plus, we have a production line which does six hundred one point five and ten liter. So it's they do a few production. Yep. Yes. It's a thirty eight hour week. Yes. My salary is now 90,000 a year. Yeah. Yeah. My wife does the actual budgeting for all this, but, yeah, we do have a savings account that has a couple 100 being put in every week now. I I have no idea. I don't have access to it. It's it's yeah. That's exactly right. Best best probably let me have the money. Yeah. I don't know. Yeah. I I I couldn't clearly tell you, unfortunately. Mhmm. Yes. No. No. No. I I my pay is always traditionally just paid off the house and bills, and a lot of the expenditures and things. I get given $80 a week for my personal use. So all I can tell you is I spend about $80 a week. Fuck. I could I could I could tell you here. Yeah. Well, the great thing is at least I'm in company cars. So I not not so many years ago, I had to pay for the petrol out of that. So yeah. No. I am looking to it. I would like to. You know, even if it's just a small normal amount, I I would I would like to put more in my suit by just to ensure that I have something to to fall back on. Mhmm. Yep. Mhmm. Mhmm. Yeah. Okay. Mhmm. Yep. Well, I need to confirm a lot, but I've I've been looking to get maybe an odd 50 a $100 a week. Mhmm. Yes. The tax. Yes. Yep. That's right. Mhmm. Yep. Go ahead. Yeah. Yeah. Yep. Yep. Yes, boys. Okay. Yeah. Yes. That's mine. Okay. Yep. Yeah. You know? Yeah. We've paid down a bit. I think we actually started taking off the principal in the house. So I think we're around about last time I saw it was about $4.43. Yeah. But yeah. The house is still worth quite a bit. So it's definitely not devaluing. Yeah. Yep. No. I I I wish I was more ambitious, but, no, I'm not really. Mhmm. Yep. Cool. No. No. My my car is being traded in for my wife's new car. I had a Toyota Camry 2007. It's not worth much money, but, yeah, it's been traded in for my wife's new BYD at zero two. We should arrive there this weekend, apparently. Yep. So, yeah, I'm moving in. I said she's getting in. I said, but I'm sure we're sharing it. Maybe. Yeah. No. I've never declared bankruptcy or defaulted on any payments or any other issues. Still currently among the second. No. None at all. I do. Maybe. Okay. It's also the next service. It's actually quite, yeah, quite comprehensive. That's the word. Thank you. Yep. Let's talk to them back here. Yep. I don't think so. Oh, no. Maybe I'll just I can't recall. Yep. Yeah. Yeah. Yeah. Yeah. It it might be my wife, but, you know, I don't know if that's the lab. I can't remember anymore. No. No. No. No. I don't. I'm well watched by mostly watch, I suspect. No. There are very few enemies. No. Mhmm. Yep. That's it. Okay. Yep. Yep. Hey. I'll be back. Yeah. Sorry. I missed all that. I am driving through a mountainous road at the moment coming down the back of Warhawk. So I I got I got, you know, half, you know, half my current loan is covered by my insurance, and I'm pretty happy with that. Yep. Yep. Exactly right. I I don't wanna give my wife a free ride. Yep. Mhmm. Yep. That's correct. Yep. Alright. Fine. No problem. Yep. That's right. Yep. Like your management. Yep. Mhmm. Yep. That is good. Yep. Mhmm. Yep. Okay. Yep. Yep. Okay. Yep. Yep. Yeah. Okay. I can clear it to that. Okay. Okay. Okay. Okay. So my current portion of mine my investment is 10%. This is the stand alone currently, is it? Okay. Yep. Okay. Yep. Yep. Yep. Yeah. Yeah. Yeah. I'm yeah. I'm getting this game. Okay. Alright. Yeah. Well, I'm I'm I'm happy to do that figured approach if it's just one extended line. That's it. That's fine. Yeah. Yep. That's right. Yeah. Yeah. Yep. Yep. Yeah. I'm okay with that. Nope. No. No. Nothing. I don't. I just managed myself. Yeah. Yep. Yep. Yep. Yep. Exactly that. Mhmm. Okay. No. Maybe I ever did. Yeah. I'm on it. Yeah. Moderate. Restage is fine. Yep. Well, then what's your definition of a dive? No. Depending on the advice that comes through on it. Do you ask whether it is the investments that, you know, cause losses were mismanagement or whether they were just market trends. You know, I'd have to review it. Then normally, like, at this stage, you've been over twenty four, twenty five years of me working at least. Now I'd I'd wait it out. I won't be too concerned. I won't panic. Yep. No. Not really. I saw it helps. You know, I saw the trends. I saw the performance. It's fine. Yeah. If I paid off the debt, yeah, but the debt's, like, thirty years. So I was gonna know it's twenty years ago. Mhmm. Yep. Mhmm. Fantastic. Yeah. Yep. Yep. Very happy. Mhmm. Oh, okay. Mhmm. Yep. Mhmm. Okay. Yep. Yep. Of course. Okay. Yeah. That's fine. No. No. No questions. I'll go. But yeah. No question. She's not. No. Yeah. Yeah. She no. She's I I I spoke with her before, but she actually has her own broker who's now acting on her behalf and doing quite well. So she's quite happy. Mhmm. Of course. Mhmm. Yep. Mhmm. Alright. Yep. Alright. Wonderful. Thanks, Paul. Yep. Yeah. Yep. Okay. You're brilliant. Alright. Wonderful. Thanks, Carl. No. That's it. Thanks so much. Alright. 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Alright. Alright. Good day. This is Kendall.\n\nYeah. Good. Thanks, Kyle. How are you today? Yep.\n\nYeah. Yeah, mate. I'm I'm about to jump in the car. So as long as you don't mind me driving on on hands free. I don't think you guys have anything I can use my hands for otherwise.\n\nYeah. That's not. Yep. Yep. Okay.\n\nThat's that's fine. Alright. Yep. Yep. So my name is Kendall Johnlyn.\n\nMy date of birth is fourteen o two nineteen eighty three, and my current address is 82 Emperor Parade, Chisholm, New South Wales 2322. Yep. No. No. You're fine.\n\nNo. No. No. I'm I'm I've I've remained grossly ignorant of those things. Almost It's all being looked after.\n\nI'm okay. Okay. Yeah. No. No.\n\nBill's the same, mate. She's the same same address, same number. Still my first point of contact. Oh, second point. Yes.\n\nYou sure is? No. God, no. Three cats. No.\n\nThree dogs. Sorry. I like cats. I don't know why I said that. Yeah.\n\nThree dogs. Yeah. No. No. I'm not.\n\nSo that that has changed. I'm now an operations manager at a new business. So I can give you those details if you like. It is TWP Spring Services proprietary listed. No.\n\nI have two different sites to look after. So I look after a site in, which is relatively close to where I live, and another one at Port Macquarie. I travel about two hours forty five minutes, so it must be over 200 k. I'm normally up at Port Macquarie once a week. So, yeah, four days, I'm at the office in Rutherford, and then one day, I'm traveling up to Port Macquarie for the day.\n\nYeah. Actually, that's probably what I thought. Yep. Yes. Well, yeah, we do have a production line, and which I do wear PPE for, and I I'll be on the production line on occasion.\n\nSo, you know, probably every couple of days, I'll be on there for a couple of hours. But, man, nothing terribly high risk unless, of course, I'll just go all over from air condition anyway. Mhmm. Okay. No.\n\nNo. No. No. No. No.\n\nI work. No confined spaces. No. Not that I work with. I started the second week of October Milwaukee.\n\nYep. Yep. Just yeah. It's the four half months. Yeah.\n\nI like the Trips and drags, unfortunately. Yes. I'm still doing all the IT and phones and and mechanical work on occasion. Yep. Previously?\n\nYeah. Yeah. I did that job for thirteen just over thirteen years. Thirteen and a half years. Yeah.\n\nIt's actually water production. So we do bottling of 15 liter water bottles. Plus, we have a production line which does six hundred one point five and ten liter. So it's they do a few production. Yep.\n\nYes. It's a thirty eight hour week. Yes. My salary is now 90,000 a year. Yeah.\n\nYeah. My wife does the actual budgeting for all this, but, yeah, we do have a savings account that has a couple 100 being put in every week now. I I have no idea. I don't have access to it. It's it's yeah.\n\nThat's exactly right. Best best probably let me have the money. Yeah. I don't know. Yeah.\n\nI I I couldn't clearly tell you, unfortunately. Mhmm. Yes. No. No.\n\nNo. I I my pay is always traditionally just paid off the house and bills, and a lot of the expenditures and things. I get given $80 a week for my personal use. So all I can tell you is I spend about $80 a week. Fuck.\n\nI could I could I could tell you here. Yeah. Well, the great thing is at least I'm in company cars. So I not not so many years ago, I had to pay for the petrol out of that. So yeah.\n\nNo. I am looking to it. I would like to. You know, even if it's just a small normal amount, I I would I would like to put more in my suit by just to ensure that I have something to to fall back on. Mhmm.\n\nYep. Mhmm. Mhmm. Yeah. Okay.\n\nMhmm. Yep. Well, I need to confirm a lot, but I've I've been looking to get maybe an odd 50 a $100 a week. Mhmm. Yes.\n\nThe tax. Yes. Yep. That's right. Mhmm.\n\nYep. Go ahead. Yeah. Yeah. Yep.\n\nYep. Yes, boys. Okay. Yeah. Yes.\n\nThat's mine. Okay. Yep. Yeah. You know?\n\nYeah. We've paid down a bit. I think we actually started taking off the principal in the house. So I think we're around about last time I saw it was about $4.43. Yeah.\n\nBut yeah. The house is still worth quite a bit. So it's definitely not devaluing. Yeah. Yep.\n\nNo. I I I wish I was more ambitious, but, no, I'm not really. Mhmm. Yep. Cool.\n\nNo. No. My my car is being traded in for my wife's new car. I had a Toyota Camry 2007. It's not worth much money, but, yeah, it's been traded in for my wife's new BYD at zero two.\n\nWe should arrive there this weekend, apparently. Yep. So, yeah, I'm moving in. I said she's getting in. I said, but I'm sure we're sharing it.\n\nMaybe. Yeah. No. I've never declared bankruptcy or defaulted on any payments or any other issues. Still currently among the second.\n\nNo. None at all. I do. Maybe. Okay.\n\nIt's also the next service. It's actually quite, yeah, quite comprehensive. That's the word. Thank you. Yep.\n\nLet's talk to them back here. Yep. I don't think so. Oh, no. Maybe I'll just I can't recall.\n\nYep. Yeah. Yeah. Yeah. Yeah.\n\nIt it might be my wife, but, you know, I don't know if that's the lab. I can't remember anymore. No. No. No.\n\nNo. I don't. I'm well watched by mostly watch, I suspect. No. There are very few enemies.\n\nNo. Mhmm. Yep. That's it. Okay.\n\nYep. Yep. Hey. I'll be back. Yeah.\n\nSorry. I missed all that. I am driving through a mountainous road at the moment coming down the back of Warhawk. So I I got I got, you know, half, you know, half my current loan is covered by my insurance, and I'm pretty happy with that. Yep.\n\nYep. Exactly right. I I don't wanna give my wife a free ride. Yep. Mhmm.\n\nYep. That's correct. Yep. Alright. Fine.\n\nNo problem. Yep. That's right. Yep. Like your management.\n\nYep. Mhmm. Yep. That is good. Yep.\n\nMhmm. Yep. Okay. Yep. Yep.\n\nOkay. Yep. Yep. Yeah. Okay.\n\nI can clear it to that. Okay. Okay. Okay. Okay.\n\nSo my current portion of mine my investment is 10%. This is the stand alone currently, is it? Okay. Yep. Okay.\n\nYep. Yep. Yep. Yeah. Yeah.\n\nYeah. I'm yeah. I'm getting this game. Okay. Alright.\n\nYeah. Well, I'm I'm I'm happy to do that figured approach if it's just one extended line. That's it. That's fine. Yeah.\n\nYep. That's right. Yeah. Yeah. Yep.\n\nYep. Yeah. I'm okay with that. Nope. No.\n\nNo. Nothing. I don't. I just managed myself. Yeah.\n\nYep. Yep. Yep. Yep. Exactly that.\n\nMhmm. Okay. No. Maybe I ever did. Yeah.\n\nI'm on it. Yeah. Moderate. Restage is fine. Yep.\n\nWell, then what's your definition of a dive? No. Depending on the advice that comes through on it. Do you ask whether it is the investments that, you know, cause losses were mismanagement or whether they were just market trends. You know, I'd have to review it.\n\nThen normally, like, at this stage, you've been over twenty four, twenty five years of me working at least. Now I'd I'd wait it out. I won't be too concerned. I won't panic. Yep.\n\nNo. Not really. I saw it helps. You know, I saw the trends. I saw the performance.\n\nIt's fine. Yeah. If I paid off the debt, yeah, but the debt's, like, thirty years. So I was gonna know it's twenty years ago. Mhmm.\n\nYep. Mhmm. Fantastic. Yeah. Yep.\n\nYep. Very happy. Mhmm. Oh, okay. Mhmm.\n\nYep. Mhmm. Okay. Yep. Yep.\n\nOf course. Okay. Yeah. That's fine. No.\n\nNo. No questions. I'll go. But yeah. No question.\n\nShe's not. No. Yeah. Yeah. She no.\n\nShe's I I I spoke with her before, but she actually has her own broker who's now acting on her behalf and doing quite well. So she's quite happy. Mhmm. Of course. Mhmm.\n\nYep. Mhmm. Alright. Yep. Alright.\n\nWonderful. Thanks, Paul. Yep. Yeah. Yep.\n\nOkay. You're brilliant. Alright. Wonderful. Thanks, Carl.\n\nNo. That's it. Thanks so much. Alright. Goodbye.","paragraphs":[{"sentences":[{"text":"Sorry.","start":0.16,"end":0.48,"sentiment":"neutral","sentiment_score":-0.033221278339624405},{"text":"Alright.","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.13838684558868408},{"text":"Alright.","start":1.68,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.2728598415851593},{"text":"Good day.","start":2.8,"end":3.1999998,"sentiment":"positive","sentiment_score":0.5261545479297638},{"text":"This is Kendall.","start":3.1999998,"end":3.9399998,"sentiment":"positive","sentiment_score":0.405762458841006}],"sentiment":"neutral","sentiment_score":0.33095273515209556,"num_words":8,"start":0.16,"end":3.9399998},{"sentences":[{"text":"Yeah.","start":7.2799997,"end":7.52,"sentiment":"neutral","sentiment_score":0.22383564710617063},{"text":"Good.","start":7.52,"end":7.7599998,"sentiment":"positive","sentiment_score":0.4842900037765503},{"text":"Thanks, 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I need to confirm a lot, but I've I've been looking to get maybe an odd 50 a $100 a week.","start":581.005,"end":585.90497,"sentiment":"neutral","sentiment_score":0.007868953952724538},{"text":"Mhmm.","start":595.22003,"end":595.72003,"sentiment":"neutral","sentiment_score":-0.01808350533246994},{"text":"Yes.","start":595.78,"end":596.18,"sentiment":"neutral","sentiment_score":0.06132269650697708}],"sentiment":"neutral","sentiment_score":0.01530994909542362,"num_words":26,"start":565.45,"end":596.18},{"sentences":[{"text":"The tax.","start":596.18,"end":596.74,"sentiment":"neutral","sentiment_score":0.010142486542463303},{"text":"Yes.","start":596.74,"end":597.24,"sentiment":"neutral","sentiment_score":0.04553750157356262},{"text":"Yep.","start":598.9,"end":599.4,"sentiment":"neutral","sentiment_score":0.02902114763855934},{"text":"That's 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myself.","start":1211.665,"end":1212.785,"sentiment":"neutral","sentiment_score":-0.21470391005277634},{"text":"Yeah.","start":1212.785,"end":1213.285,"sentiment":"positive","sentiment_score":0.35219383239746094}],"sentiment":"neutral","sentiment_score":-0.17731418874528673,"num_words":9,"start":1210.865,"end":1213.285},{"sentences":[{"text":"Yep.","start":1223.4401,"end":1223.9401,"sentiment":"neutral","sentiment_score":0.2584018409252167},{"text":"Yep.","start":1233.845,"end":1234.345,"sentiment":"positive","sentiment_score":0.35538598895072937},{"text":"Yep.","start":1234.5651,"end":1234.885,"sentiment":"neutral","sentiment_score":0.12226035445928574},{"text":"Yep.","start":1234.885,"end":1235.205,"sentiment":"neutral","sentiment_score":0.1476222276687622},{"text":"Exactly 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okay.","start":1448.47,"end":1449.21,"sentiment":"neutral","sentiment_score":0.041395124047994614},{"text":"Mhmm.","start":1449.6699,"end":1450.1699,"sentiment":"neutral","sentiment_score":0.045618899166584015}],"sentiment":"neutral","sentiment_score":0.20037944934197835,"num_words":7,"start":1421.81,"end":1450.1699},{"sentences":[{"text":"Yep.","start":1454.495,"end":1454.995,"sentiment":"neutral","sentiment_score":0.076827272772789},{"text":"Mhmm.","start":1458.9751,"end":1459.4751,"sentiment":"neutral","sentiment_score":0.14282771944999695},{"text":"Okay.","start":1474.59,"end":1475.09,"sentiment":"neutral","sentiment_score":0.03248204290866852},{"text":"Yep.","start":1489.055,"end":1489.535,"sentiment":"neutral","sentiment_score":0.08586663007736206},{"text":"Yep.","start":1489.535,"end":1489.935,"sentiment":"neutral","sentiment_score":0.11042245477437972}],"sentiment":"neutral","sentiment_score":0.08968522399663925,"num_words":5,"start":1454.495,"end":1489.935},{"sentences":[{"text":"Of course.","start":1489.935,"end":1490.675,"sentiment":"neutral","sentiment_score":0.1291143000125885},{"text":"Okay.","start":1506.995,"end":1507.395,"sentiment":"neutral","sentiment_score":0.1177760437130928},{"text":"Yeah.","start":1507.395,"end":1507.555,"sentiment":"neutral","sentiment_score":0.16537341475486755},{"text":"That's fine.","start":1507.555,"end":1508.295,"sentiment":"positive","sentiment_score":0.3674691915512085},{"text":"No.","start":1512.675,"end":1513.175,"sentiment":"neutral","sentiment_score":0.006742025725543499}],"sentiment":"neutral","sentiment_score":0.18329406676015683,"num_words":7,"start":1489.935,"end":1513.175},{"sentences":[{"text":"No.","start":1520.4199,"end":1520.82,"sentiment":"neutral","sentiment_score":0.013406146317720411},{"text":"No questions.","start":1520.82,"end":1521.38,"sentiment":"neutral","sentiment_score":0.011529027950018644},{"text":"I'll go.","start":1521.38,"end":1521.94,"sentiment":"neutral","sentiment_score":0.0254178112372756},{"text":"But yeah.","start":1521.94,"end":1522.34,"sentiment":"neutral","sentiment_score":0.027595778927206993},{"text":"No question.","start":1522.34,"end":1523.08,"sentiment":"neutral","sentiment_score":0.029395578429102898}],"sentiment":"neutral","sentiment_score":0.02236472660054763,"num_words":9,"start":1520.4199,"end":1523.08},{"sentences":[{"text":"She's not.","start":1528.6599,"end":1529.22,"sentiment":"neutral","sentiment_score":-0.04403707571327686},{"text":"No.","start":1529.22,"end":1529.72,"sentiment":"neutral","sentiment_score":-0.0546189546585083},{"text":"Yeah.","start":1533.195,"end":1533.695,"sentiment":"neutral","sentiment_score":-0.03104023076593876},{"text":"Yeah.","start":1540.235,"end":1540.6349,"sentiment":"neutral","sentiment_score":-0.013110379688441752},{"text":"She 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Paul.","start":1585.96,"end":1586.7799,"sentiment":"positive","sentiment_score":0.7092915773391724},{"text":"Yep.","start":1589.465,"end":1589.965,"sentiment":"neutral","sentiment_score":0.10220371186733246},{"text":"Yeah.","start":1590.265,"end":1590.4249,"sentiment":"neutral","sentiment_score":0.06936503946781158},{"text":"Yep.","start":1590.4249,"end":1590.9249,"sentiment":"neutral","sentiment_score":0.08876393735408783}],"sentiment":"positive","sentiment_score":0.40067936728398007,"num_words":6,"start":1585.3999,"end":1590.9249},{"sentences":[{"text":"Okay.","start":1596.6649,"end":1597.1649,"sentiment":"neutral","sentiment_score":0.15570057928562164},{"text":"You're brilliant.","start":1599.5449,"end":1600.105,"sentiment":"positive","sentiment_score":0.7941507399082184},{"text":"Alright.","start":1600.105,"end":1600.4249,"sentiment":"positive","sentiment_score":0.5519899725914001},{"text":"Wonderful.","start":1600.4249,"end":1600.825,"sentiment":"positive","sentiment_score":0.759594202041626},{"text":"Thanks, Carl.","start":1600.825,"end":1601.645,"sentiment":"positive","sentiment_score":0.6624233722686768}],"sentiment":"positive","sentiment_score":0.6257761397532055,"num_words":7,"start":1596.6649,"end":1601.645},{"sentences":[{"text":"No.","start":1604.6948,"end":1604.9349,"sentiment":"neutral","sentiment_score":-0.2311326563358307},{"text":"That's it.","start":1604.9349,"end":1605.3348,"sentiment":"neutral","sentiment_score":-0.16145388036966324},{"text":"Thanks so much.","start":1605.3348,"end":1606.1549,"sentiment":"positive","sentiment_score":0.5568089485168457},{"text":"Alright.","start":1607.8148,"end":1608.2148,"sentiment":"neutral","sentiment_score":0.21735499799251556},{"text":"Goodbye.","start":1608.2148,"end":1608.7148,"sentiment":"neutral","sentiment_score":-0.10332158952951433}],"sentiment":"neutral","sentiment_score":0.15380247961729765,"num_words":8,"start":1604.6948,"end":1608.7148}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Sorry. Alright. Alright. Good day. This\n\nChannel 0: Good\n\nChannel 1: is Kendall.\n\nChannel 0: afternoon. Good afternoon, Kendall. It's Carl calling from OQ Financial. How are you today?\n\nChannel 1: Yeah. Good. Thanks, Kyle. How are you today?\n\nChannel 0: Yeah. Not too bad at all. Thanks for asking. I just scheduled in for you annual review. Is now still a good\n\nChannel 1: Yep.\n\nChannel 0: time for you?\n\nChannel 1: Yeah. Yeah, mate. I'm I'm about to jump in the car. So as long as you don't mind me driving on on hands free. I don't\n\nChannel 0: No.\n\nChannel 1: think you\n\nChannel 0: That\n\nChannel 1: guys\n\nChannel 0: that's\n\nChannel 1: have anything I\n\nChannel 0: perfect.\n\nChannel 1: can use my hands for otherwise.\n\nChannel 0: There is some documents getting sent out. So with that one, they obviously don't review those while driving. But\n\nChannel 1: Yeah.\n\nChannel 0: I can\n\nChannel 1: That's\n\nChannel 0: just\n\nChannel 1: not.\n\nChannel 0: talk you through what's there, and then you can have a look at them once you get home and\n\nChannel 1: Yep.\n\nChannel 0: see if there's any questions concerned. You can come back if that's alright.\n\nChannel 1: Yep. Okay. That's that's fine. Alright.\n\nChannel 0: No problem. Just to let you know, Kendall, these calls are recorded for quality and training purposes there. And just to get stuck into that today. If I could just pass you through security there, just that name,\n\nChannel 1: Yep.\n\nChannel 0: date of birth, and current address?\n\nChannel 1: Yep. So my name is Kendall Johnlyn. My date of birth is fourteen o two nineteen eighty three, and my current address is 82 Emperor Parade, Chisholm, New South Wales 2322.\n\nChannel 0: Brilliant. Thanks for that one. Now in regards to I know because there was sort of a few months here now, probably five to six months we originally tried to get a hold of there and some business sort of things happened that way. In a bit\n\nChannel 1: Yep.\n\nChannel 0: slack with reaching out. So apologies for that one.\n\nChannel 1: No. No. You're\n\nChannel 0: In\n\nChannel 1: fine.\n\nChannel 0: regard in regards to that, do you have any questions before we jump into the call at all in regarding your account or anything, Kendall, that you do wanna address today?\n\nChannel 1: No. No. No. I'm I'm I've I've remained grossly ignorant of those things. Almost It's all being looked after.\n\nI'm okay.\n\nChannel 0: Happy days. No problem at all. So what we'll do there was just go through and update some details in regards to FIFO, make sure everything's up to date. I'll give you a rundown on sort of where things are at. And then from there, any questions that come from that, feel free to to jump in and cut me off whenever you'd like.\n\nChannel 1: Okay.\n\nChannel 0: Not a problem at all. So we'll just confirm a few details there. As you said, you haven't moved, so that's fantastic for me. Do I have to update anything? In regards to your next of kin, I've got Belle there and her number.\n\nIs that changed at all?\n\nChannel 1: Yeah. No. No. Bill's the same, mate. She's the same same address, same number.\n\nStill my first point of contact. Oh, second\n\nChannel 0: Great. Perfect. And I don't have it actually listed here as well. You're a spouse as well.\n\nChannel 1: point. Yes. You sure is?\n\nChannel 0: Brilliant. Just double checking. Don't wanna make any assumptions.\n\nChannel 1: No.\n\nChannel 0: And do you have any current dependents at the moment there, Kendall?\n\nChannel 1: God, no.\n\nChannel 0: Yep. Except maybe a dog or a cat living at home.\n\nChannel 1: Three cats. No. Three dogs.\n\nChannel 0: Three\n\nChannel 1: Sorry.\n\nChannel 0: cats. Three\n\nChannel 1: I like\n\nChannel 0: dogs.\n\nChannel 1: cats. I don't know why I said that. Yeah.\n\nChannel 0: Fair\n\nChannel 1: Three\n\nChannel 0: enough.\n\nChannel 1: dogs.\n\nChannel 0: I'm a bit the same. I've got a dog there myself. And then\n\nChannel 1: Yeah.\n\nChannel 0: in regards to your Occupace, Nick, and are you still the telecommation telecommunication?\n\nChannel 1: No.\n\nChannel 0: Sorry,\n\nChannel 1: No.\n\nChannel 0: engineer?\n\nChannel 1: I'm not.\n\nChannel 0: No?\n\nChannel 1: So that that has changed. I'm now an operations manager at a new business. So I can give you those details if you like.\n\nChannel 0: Yep. And then what's your current employer's name?\n\nChannel 1: It is TWP Spring Services proprietary listed.\n\nChannel 0: Perfect. And then in regards to that role, like, what would you say your day to day is like? Are you a 100% in the office with that one now?\n\nChannel 1: No. I have two different sites to look after. So I look after a site in, which is relatively close to where I live, and another one at Port Macquarie.\n\nChannel 0: Yep. And distance wise, how sort of far is that from, like, your office?\n\nChannel 1: I travel about two hours forty five minutes, so it must be over 200 k.\n\nChannel 0: Yep. And how often do you say you go to this site for that one? Like, how long are you in the office versus how long are you doing site visit?\n\nChannel 1: I'm normally up at Port Macquarie once a week. So, yeah, four days, I'm at the office in Rutherford, and then one day, I'm traveling up to Port Macquarie for the day.\n\nChannel 0: Perfect. So probably, like, 60% office work and about 40% out in the field doing those visits and travel.\n\nChannel 1: Yeah. Actually, that's probably what I thought. Yep.\n\nChannel 0: Perfect. And then with that one there, are you sort of in any, like, active, like, construction zones? Are you just are you wearing your appropriate PPE, or are you not doing any of that? You're just visiting\n\nChannel 1: Yes.\n\nChannel 0: the side office?\n\nChannel 1: Well, yeah, we do have a production line, and which I do wear PPE for, and I I'll be on the production line on occasion. So, you know, probably every couple of days, I'll be on there for a couple of hours. But, man, nothing terribly high risk unless, of course, I'll just go all over from air condition anyway.\n\nChannel 0: Yeah. Not a problem. Just the reason I asked so many sort of questions just in relation to it because in regards to, like, your\n\nChannel 1: Mhmm.\n\nChannel 0: occupation rating with your insurances, if it comes out as better, then we can look at sort of changing that or whether\n\nChannel 1: Okay.\n\nChannel 0: or not we're looking at changing things. Given that you're on a production line, I dare say that, no, it probably won't be better. And then in regards to that, we'll touch on my insurance a bit later. But then with that too in the production lines and in the warehouses, do you work above, like, 12 meters at all? You're not in any catwalks or anything\n\nChannel 1: No.\n\nChannel 0: like that?\n\nChannel 1: No. No. No. No. No.\n\nI work. No confined spaces.\n\nChannel 0: No other hazardous materials that you work with?\n\nChannel 1: No. Not that I work with.\n\nChannel 0: Perfect. And how long have you been doing that role now?\n\nChannel 1: I started the second week of October\n\nChannel 0: Okay. So\n\nChannel 1: Milwaukee.\n\nChannel 0: fairly, fairly fresh then, sort of the the four\n\nChannel 1: Yep.\n\nChannel 0: month\n\nChannel 1: Yep.\n\nChannel 0: mark?\n\nChannel 1: Just yeah. It's the four half months. Yeah. I like the\n\nChannel 0: Yep. And then as far as your industry experience, did any of that carry over to your current role?\n\nChannel 1: Trips and drags, unfortunately. Yes. I'm still doing all the IT and phones and and mechanical work on occasion.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: And how long were were you doing that? Sorry. Just to refresh my memory. I don't have it written down in front of me. Like,\n\nChannel 1: Previously?\n\nChannel 0: for the IT yeah. IT.\n\nChannel 1: Yeah. Yeah. I did that job for thirteen just over thirteen years. Thirteen and a half years.\n\nChannel 0: Okay. Great. And then in regards to the size you're looking after, what actually industry of production are they working in?\n\nChannel 1: Yeah. It's actually water production. So we do bottling of 15 liter water bottles. Plus, we have a production line which does six hundred one point five and ten liter.\n\nChannel 0: Okay. Brilliant.\n\nChannel 1: So it's\n\nChannel 0: Any\n\nChannel 1: they do a few production.\n\nChannel 0: yeah. Yeah. Food manufacturing.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And then as far as your employment, so that's you full time?\n\nChannel 1: Yes.\n\nChannel 0: Yep. And is that like a thirty eight hour week? Is that a little bit different?\n\nChannel 1: It's a thirty eight hour week.\n\nChannel 0: Or and with that, is your salary changed at all with that role?\n\nChannel 1: Yes. My salary is now 90,000 a year.\n\nChannel 0: Perfect. And then as far as, like, your expenditures and savings, I know you're sort of roughly trying to put away a $100 a week and weren't too sure your expenditures. Have you managed to work out your budget a little bit better? Do you know sort of your outgoings versus savings at\n\nChannel 1: Yeah.\n\nChannel 0: the moment?\n\nChannel 1: Yeah. My wife does the actual budgeting for all this, but, yeah, we do have a savings account that has a couple 100 being put in every week now.\n\nChannel 0: Yep. And what's that sort of currently sitting on if you don't mind me asking?\n\nChannel 1: I I have no idea. I don't have access to it.\n\nChannel 0: Yeah. Sometimes it's a little bit better out of sight out of\n\nChannel 1: It's\n\nChannel 0: mind.\n\nChannel 1: it's yeah. That's exactly right. Best best probably let me have the money. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I don't know. Yeah. I I I couldn't clearly tell you, unfortunately.\n\nChannel 0: No. That that's perfectly fine. It's not a a huge thing anyway unless\n\nChannel 1: Mhmm.\n\nChannel 0: you're looking to invest some of it. But in in time as well, you're still putting that money away. And do you know roughly what\n\nChannel 1: Yes.\n\nChannel 0: sort of your outgoing looks like per week?\n\nChannel 1: No. No. No. I I my pay\n\nChannel 0: You\n\nChannel 1: is\n\nChannel 0: put\n\nChannel 1: always\n\nChannel 0: in\n\nChannel 1: traditionally\n\nChannel 0: the bank of\n\nChannel 1: just\n\nChannel 0: gas?\n\nChannel 1: paid off the house and bills, and a lot of the expenditures and things. I get given $80 a week for my personal use. So all I can tell you\n\nChannel 0: Yep.\n\nChannel 1: is I spend about $80 a week.\n\nChannel 0: Yep. And\n\nChannel 1: Fuck.\n\nChannel 0: with\n\nChannel 1: I\n\nChannel 0: the\n\nChannel 1: could\n\nChannel 0: price\n\nChannel 1: I could\n\nChannel 0: of\n\nChannel 1: I\n\nChannel 0: a\n\nChannel 1: could\n\nChannel 0: Zingabox\n\nChannel 1: tell you here.\n\nChannel 0: these days, it it gets quickly gets eaten away.\n\nChannel 1: Yeah. Well, the great thing is at least I'm in company cars. So I not not so many years ago, I had to pay for the petrol out of that. So\n\nChannel 0: Brilliant.\n\nChannel 1: yeah.\n\nChannel 0: And then within regards to your superannuation, are you looking at putting any more into super or make any additional contributions in any sense, salary, sacrifice, or otherwise?\n\nChannel 1: No. I am looking to it. I would like to. You know, even if it's just a small normal amount, I I would I would like to put more in my suit by just to ensure that I have something to to fall back on.\n\nChannel 0: Yeah. No. I completely understand that. And, obviously, you know, putting a\n\nChannel 1: Mhmm.\n\nChannel 0: little away now can help sort of grow it towards a balance that, you know, can make it comp retirement a little bit more comfortable, all\n\nChannel 1: Yep.\n\nChannel 0: things sort of going to plan. I can let you know it's sort of sitting around the $1.41, like 1,400 1,000 off a 141,700. Sorry. I'm sticking with my throat.\n\nChannel 1: Mhmm. Mhmm. Yeah.\n\nChannel 0: Currently\n\nChannel 1: Okay.\n\nChannel 0: then, and it has been tracking quite well, not only year on year. Within regards to that one, there is one active investment that I will touch on a little bit later there and have a bit\n\nChannel 1: Mhmm.\n\nChannel 0: more discussion around that and a potential update, but I'll finish the details of it.\n\nChannel 1: Yep.\n\nChannel 0: And as far as, like, your sales back amount that you you might be willing to do, like, have you thought about a figure that you'd, like, sort of be out of foregoing to, like, terms of a take home pay?\n\nChannel 1: Well, I need to confirm a lot, but I've I've been looking to get maybe an odd 50 a $100 a week.\n\nChannel 0: Yeah. Because because with that too, like, the 50 to 100 out of your pay works out to be, like, less in terms of, like, what you're foregoing as a income\n\nChannel 1: Mhmm.\n\nChannel 0: anyway\n\nChannel 1: Yes.\n\nChannel 0: because,\n\nChannel 1: The tax.\n\nChannel 0: obviously,\n\nChannel 1: Yes.\n\nChannel 0: you're gonna take into account your your marginal tax\n\nChannel 1: Yep.\n\nChannel 0: rate as\n\nChannel 1: That's\n\nChannel 0: well.\n\nChannel 1: right.\n\nChannel 0: And given that you're sort of in that sort of mid range tax rate there, you're looking around 31% of that or 30% plus your\n\nChannel 1: Mhmm.\n\nChannel 0: Medicare levy goes to towards taxes.\n\nChannel 1: Yep.\n\nChannel 0: So, really, if you put, like, a $100 in, you're sort of losing 70 at the\n\nChannel 1: Go\n\nChannel 0: end\n\nChannel 1: ahead.\n\nChannel 0: of the\n\nChannel 1: Yeah.\n\nChannel 0: day versus the\n\nChannel 1: Yeah.\n\nChannel 0: the actual 100, and then you get 85 going into super based on the the 15% tax rate in there.\n\nChannel 1: Yep.\n\nChannel 0: I can make a little note of that looking to sort of that 50 to a 100 mark and what that looks\n\nChannel 1: Yep.\n\nChannel 0: like. Because\n\nChannel 1: Yes,\n\nChannel 0: as I\n\nChannel 1: boys.\n\nChannel 0: said, we're just looking at doing an update just with one investment there so we can look and show you what that looks like with that\n\nChannel 1: Okay.\n\nChannel 0: and just\n\nChannel 1: Yeah.\n\nChannel 0: give you the figures, both the 50 and a 100 as an alternative. And then if you decide to go ahead with that, obviously, you just go to your employer, and then you can sort of submit that with the payroll if they're happy to do it, and then they can\n\nChannel 1: Yes.\n\nChannel 0: just\n\nChannel 1: That's\n\nChannel 0: sort of\n\nChannel 1: mine.\n\nChannel 0: start that for you. Yeah.\n\nChannel 1: Okay.\n\nChannel 0: Not a\n\nChannel 1: Yep.\n\nChannel 0: problem at all. Brilliant. And then as far as the the mortgage goes with the house, and that's it's worth around the 1.1. You have around $4.50 owing. Is that still sort of roughly?\n\nObviously, you paid down a little bit, but maybe don't\n\nChannel 1: Yeah.\n\nChannel 0: have the\n\nChannel 1: You\n\nChannel 0: figures\n\nChannel 1: know?\n\nChannel 0: in front of you.\n\nChannel 1: Yeah. We've paid down a bit. I think we actually started taking off the principal in the house. So I think we're around about last time I saw it was about $4.43.\n\nChannel 0: Perfect.\n\nChannel 1: Yeah. But yeah. The house is still worth quite a bit. So it's\n\nChannel 0: Yeah.\n\nChannel 1: definitely\n\nChannel 0: Yeah.\n\nChannel 1: not devaluing. Yeah.\n\nChannel 0: Plenty of equity in that one. And were you thinking of doing, like, the investment property route at any point? Or\n\nChannel 1: Yep. No. I I I wish I was more ambitious, but, no, I'm not really.\n\nChannel 0: no. Completely understand. Well, obviously, things change. We have access to a few mortgage brokers we work with you. If you ever did want\n\nChannel 1: Mhmm.\n\nChannel 0: a referral to have a chat with anyone, if you're comfortable just with the way things are going as well. Like you\n\nChannel 1: Yep.\n\nChannel 0: said, you do have plenty of equity in it, so you could potentially look at it as, like, your next sort of step in your sort of financial goals. But, yeah, completely up to you at the end of the day. And then as far as any other assets and liabilities that you have that we're not currently aware of, is there anything else that we don't currently have?\n\nChannel 1: Cool. No. No. My my car is being traded in for my wife's new car. I had a\n\nChannel 0: Yeah.\n\nChannel 1: Toyota Camry 2007. It's not worth much money, but, yeah, it's been traded in for my wife's new BYD at zero two. We should\n\nChannel 0: Yeah.\n\nChannel 1: arrive there this weekend, apparently.\n\nChannel 0: Great.\n\nChannel 1: Yep. So, yeah, I'm moving in. I said she's getting in. I said, but I'm sure we're sharing it.\n\nChannel 0: Yeah. Well, that's it. You'll get it on the weekends to go out and do your holidays away and things like that as well.\n\nChannel 1: Maybe. Yeah.\n\nChannel 0: And so if you've answered this previously or not, obviously, like I said, we do a few business updates. We've updated the workbook, and it might not have been carried across, but you've never declared bankruptcy or ended a part nine debt agreement?\n\nChannel 1: No. I've never declared bankruptcy or defaulted on any payments or any other issues.\n\nChannel 0: Brilliant. That's good to hear. And still currently a nonsmoker?\n\nChannel 1: Still currently among the second.\n\nChannel 0: And as far as health goes, no health issues, no current medications or anything like that?\n\nChannel 1: No. None at all.\n\nChannel 0: Brilliant. And do you currently hold any private health insurance?\n\nChannel 1: I do. Maybe.\n\nChannel 0: I mean, is that hospitals and extras or just extras?\n\nChannel 1: Okay. It's also the next service. It's actually quite, yeah, quite comprehensive. That's the word. Thank\n\nChannel 0: Comprehensive?\n\nChannel 1: you.\n\nChannel 0: Not a problem at all. Yeah. So So if you start losing your sight, you can get your free glasses, your dental checkups, things like that as well. And I have here that you had a will in place. Is that currently still up to date and accurate?\n\nChannel 1: Yep. Let's talk to them back here. Yep.\n\nChannel 0: Perfect. And do you have a power of attorney in place with that one?\n\nChannel 1: I don't think so. Oh, no. Maybe I'll just I can't recall.\n\nChannel 0: No. That's not a problem at all. Obviously, power of attorney is used generally in conjunction with anything that was to happen to you If you're incapacitated,\n\nChannel 1: Yep. Yeah.\n\nChannel 0: that someone\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: can\n\nChannel 1: Yeah.\n\nChannel 0: make\n\nChannel 1: It\n\nChannel 0: those\n\nChannel 1: it might\n\nChannel 0: decisions.\n\nChannel 1: be my wife, but, you know, I don't know if that's the lab. I can't remember anymore.\n\nChannel 0: Yeah. Not a problem at all. And then within regards to this one, it's a little bit odd. I have a question, but you're not politically exposed to personal. You're not in politics.\n\nChannel 1: No.\n\nChannel 0: You're family in politics. Yeah. Not a problem.\n\nChannel 1: No. No. No. I don't.\n\nChannel 0: Yeah.\n\nChannel 1: I'm well watched by mostly watch, I suspect. No. There are very few enemies.\n\nChannel 0: Right. And then you're not a tax resident for any other country or jurisdiction at the moment?\n\nChannel 1: No.\n\nChannel 0: Perfect. Now as far as the goals that you're working towards at the moment, I know that you just wanna pay down the\n\nChannel 1: Mhmm.\n\nChannel 0: the house, really, and that was the sort of main sort of midterm goal, and you didn't, like, have sort of much else you work towards. That's sort of the same thing. You're just looking at paying down the house, enjoying your your time when you do get away for a holiday and things like that?\n\nChannel 1: Yep. That's it.\n\nChannel 0: Perfect. And then with the insurance, as I said, I was just touching on those. You do have the life and TPD, so the total permanent disability and life portion for around the 200\n\nChannel 1: Okay.\n\nChannel 0: and 76,000 with how it's CPI'd\n\nChannel 1: Yep.\n\nChannel 0: up.\n\nChannel 1: Yep.\n\nChannel 0: Now, obviously, that covers for around about half the debt of your your primary resident plus, like, if you take up, like, your superannuation as well, then it covers a bit more than that. But there's no sort of income replacement for your occupation and things like that if were things to to go wrong, you're not able to work. Now are you currently happy with those cover amounts? Is that something you wanna\n\nChannel 1: Hey.\n\nChannel 0: review? Or\n\nChannel 1: I'll be back. Yeah. Sorry. I missed all that. I am driving through a mountainous road at the moment coming down the back of Warhawk.\n\nChannel 0: oh, no. No. Not a problem.\n\nChannel 1: So I I got I got, you know, half, you know, half my current loan is covered by my insurance, and I'm pretty happy with that.\n\nChannel 0: That half the amount of the the loan with that\n\nChannel 1: Yep.\n\nChannel 0: 200 and\n\nChannel 1: Yep.\n\nChannel 0: 70 yeah.\n\nChannel 1: Exactly right. I I don't wanna give my wife a free ride.\n\nChannel 0: Yeah. Okay. Not a problem at all. And then with that, you don't have that income protection or trauma insurance. Now I believe you originally\n\nChannel 1: Yep.\n\nChannel 0: recommended the income protection, but didn't go ahead\n\nChannel 1: Mhmm.\n\nChannel 0: with it. Is that correct?\n\nChannel 1: Yep.\n\nChannel 0: Or\n\nChannel 1: That's correct.\n\nChannel 0: Yeah. Yeah. Yeah. And then with the the trauma side of things, obviously, trauma insurance is like that other lump sum payment. I just wanna touch on it, obviously, because it's been a while.\n\nIn the event, you know, things\n\nChannel 1: Yep.\n\nChannel 0: like heart attacks, strokes, things like that, it\n\nChannel 1: Alright.\n\nChannel 0: is an\n\nChannel 1: Fine.\n\nChannel 0: out of pocket cost. No. Not a problem.\n\nChannel 1: No\n\nChannel 0: So happy\n\nChannel 1: problem.\n\nChannel 0: with your your current cover. Obviously, you don't pay\n\nChannel 1: Yep.\n\nChannel 0: too much for that given the level. So a bit under\n\nChannel 1: That's\n\nChannel 0: the 5\n\nChannel 1: right.\n\nChannel 0: $100 mark, really.\n\nChannel 1: Yep.\n\nChannel 0: As long as you're happy with all that, that can remain the same.\n\nChannel 1: Like\n\nChannel 0: We\n\nChannel 1: your management.\n\nChannel 0: can look\n\nChannel 1: Yep.\n\nChannel 0: at the the superannuation side of things. As I said, the portfolio as a whole is doing quite well still. As a\n\nChannel 1: Mhmm.\n\nChannel 0: rate of return after fees, it's doing 9.34%, which is really still quite good.\n\nChannel 1: Yep.\n\nChannel 0: The\n\nChannel 1: That is good. Yep.\n\nChannel 0: yeah. There was two underperformers within that. Now one of them was the cyber, and that was mainly due to the start of this year. All AI tech in cyber and all those sort of stocks have taken a bit of a a dive. But they have high conviction in that.\n\nThey're coming back over the years, the time you have till retirement, maintaining that one.\n\nChannel 1: Mhmm.\n\nChannel 0: The other\n\nChannel 1: Yep.\n\nChannel 0: stock is Benelung. That is your actively managed fund. Now the end of last year, they had an asset that was made up as a significant portion of their fund that was done for not reporting correctly and their dodgy\n\nChannel 1: Okay.\n\nChannel 0: accounting.\n\nChannel 1: Yep.\n\nChannel 0: And then\n\nChannel 1: Yep.\n\nChannel 0: that's\n\nChannel 1: Okay.\n\nChannel 0: caused the fund to have to reevaluate the price of corporate travel given it was put on a trading hold in addition to\n\nChannel 1: Yep.\n\nChannel 0: the fact that with that as well, obviously, people lost some consumer confidence in the fund managers given that did occur. Now as an investment committee, like above me myself, they've decided to move away from Benelung. Now there is currently\n\nChannel 1: Yep.\n\nChannel 0: a loss with that and that what did occur. But in relation to that one, those losses that can offset future losses or capital gains with that.\n\nChannel 1: Yeah. Okay. I can clear it to that. Okay.\n\nChannel 0: Yeah. So with that, obviously, selling low and buying high is never ideal, but to stay in the investment that they don't have faith in to perform over the long term period is also bad. So they are looking at removing that and trading it for something alternative. Now you can look to go to a more passive, like, index like the rest of your portfolio and have just a lower cost investment that tracks the index, or we can replace it with an actively managed portion of that as\n\nChannel 1: Okay.\n\nChannel 0: well. Much like Benelung, it'll be like in the Australian market. It'll be like an alternative to Benelung. That was with the for an Australian equities managed fund. That still aims to outperform the market, and you will have a portion which is about 10% towards active investment\n\nChannel 1: Okay. Okay. So my current portion of mine my investment is 10%. This is the stand alone currently, is it?\n\nChannel 0: to to Ben Long. It's around 11.1 at the moment. And\n\nChannel 1: Okay.\n\nChannel 0: given the loss, it was around a $2,400 loss with that one. In terms of, like, overall performance, your portfolio including that still did, like, thirteen six in terms of growth,\n\nChannel 1: Yep. Okay.\n\nChannel 0: which is still quite a good return even given the level of risk that you do have. Now as I said, like, if the the hack was to come back as well, that would obviously improve that. The Benelon, we obviously wanna look at getting rid of. And, yeah,\n\nChannel 1: Yep.\n\nChannel 0: we can either look them replaced for the active portion, which does cost a little bit more investment cost wise, But you have the potential to outperform the market and do that a little bit better or in better long case, you also have the the down pitfalls of that where it can perform worse.\n\nChannel 1: Yep.\n\nChannel 0: Or you\n\nChannel 1: Yep.\n\nChannel 0: can look at\n\nChannel 1: Yeah.\n\nChannel 0: doing the more passive where you just pay a lower cost. You're happy to track the the indexes that back\n\nChannel 1: Yeah.\n\nChannel 0: along\n\nChannel 1: Yeah.\n\nChannel 0: with\n\nChannel 1: I'm\n\nChannel 0: one. Yeah.\n\nChannel 1: yeah. I'm getting this game. Okay. Alright.\n\nChannel 0: Would you prefer to, like, take the active approach or maintain, like, just a more passive moving forward?\n\nChannel 1: Yeah. Well, I'm I'm I'm happy to do that figured approach if it's just one extended line. That's it. That's fine.\n\nChannel 0: Yep. So it is like a satellite with that and you do have plenty of years unfortunately left\n\nChannel 1: Yeah.\n\nChannel 0: working\n\nChannel 1: Yep.\n\nChannel 0: before\n\nChannel 1: That's right.\n\nChannel 0: you can\n\nChannel 1: Yeah.\n\nChannel 0: retire.\n\nChannel 1: Yeah.\n\nChannel 0: So to have a little bit allocated to potentially outperforming the market is still\n\nChannel 1: Yep.\n\nChannel 0: a good thing if you're okay with that level of risk.\n\nChannel 1: Yep. Yeah. I'm okay with that.\n\nChannel 0: Perfect. And then as far as any other goals that you're looking towards in the future, is there anything else that you're looking at updating or moving towards or anything you're looking to do?\n\nChannel 1: Nope. No. No. Nothing. I don't.\n\nI just managed myself. Yeah.\n\nChannel 0: Great. So quite straightforward. So as far as, like, we'll obviously have to provide a document. In the document, we'll just do the update for the investments and then show that sales act for you and\n\nChannel 1: Yep.\n\nChannel 0: what that looks like. As far as anything else, there's, like, there's nothing else that you want just in that in terms of, like, reviewing any sort of cash flow, budgeting, things like that. You're happy with your wife managing everything and\n\nChannel 1: Yep.\n\nChannel 0: everything else?\n\nChannel 1: Yep. Yep. Exactly\n\nChannel 0: Right.\n\nChannel 1: that.\n\nChannel 0: Not a problem at all. I will just jump in and do a quick risk profile just to\n\nChannel 1: Mhmm.\n\nChannel 0: make sure that it does line up with what we currently got you invested in. It'll just be those quick questions I'll run through there with you.\n\nChannel 1: Okay.\n\nChannel 0: Bear with me. It's just loading up there. Perfect. Now as far as the most aggressive investment, if you haven't done any direct share investing at the moment,\n\nChannel 1: No.\n\nChannel 0: Not a problem. And then within regards to investing and risk taking, do you still consider yourself more on the very high end of, like, risk taking and taking on that level of risk for returns? Or\n\nChannel 1: Maybe\n\nChannel 0: or\n\nChannel 1: I ever did.\n\nChannel 0: okay. Not a problem. Would you consider yourself to be more of, like, a moderate risk taker then or sort of on that a little\n\nChannel 1: Yeah.\n\nChannel 0: bit of\n\nChannel 1: I'm\n\nChannel 0: a higher\n\nChannel 1: on it.\n\nChannel 0: end of moderate?\n\nChannel 1: Yeah. Moderate. Restage is fine. Yep.\n\nChannel 0: Perfect. And then if you super did take a bit of a dive, would you be concerned at all in the event that it did take a a dive?\n\nChannel 1: Well, then what's your definition of a dive?\n\nChannel 0: Like, if it dropped by, like, 20% and your portfolio was sitting at that 20% loss over a six month period, would you wanna be looking at changing up investments? Would you just hold and wait for that to come back or\n\nChannel 1: No.\n\nChannel 0: even\n\nChannel 1: Depending on the advice that comes through on it. Do you ask whether it is the investments that, you know, cause losses were mismanagement or whether they were just market trends. You know, I'd have to review it.\n\nChannel 0: yeah. If like, say if it was just market trends, like, another COVID period where everything\n\nChannel 1: Then\n\nChannel 0: took a bit\n\nChannel 1: normally,\n\nChannel 0: of a\n\nChannel 1: like, at this stage, you've been over twenty four, twenty five years of me working at least.\n\nChannel 0: Yep.\n\nChannel 1: Now I'd I'd wait it out. I won't be too concerned. I won't panic.\n\nChannel 0: Yep. Perfect. Understandable. And then as far as, like, your returns and what you're trying to get over the long term, would you be happy if you're getting, like, sort of 8% and above?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And then with like, when you said we did take a bit of a backward step during COVID times, did that make you concerned at all?\n\nChannel 1: No. Not really. I saw it helps. You know, I saw the trends. I saw the performance.\n\nIt's fine.\n\nChannel 0: Yeah. Right. And then within regards to borrowed money, you do obviously have the home loan, but would you ever put borrowed money into any other things else like an investment property in the future or a shared portfolio given if you'd, like, paid off your your debts?\n\nChannel 1: Yeah. If I paid off the debt, yeah, but the debt's, like, thirty years. So I was gonna know it's twenty years ago.\n\nChannel 0: Yeah. No. No. Understandable. So not in any time soon, but you're sort of comfortable with borrowed money and sort of the risk of that.\n\nAnd if you did have the the means and, like, a little less debt, you'd probably take on some risk with some borrowed\n\nChannel 1: Mhmm.\n\nChannel 0: money for whether it be, like, an investment property or, like, stocks or shares portfolio.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now in regards to that, you have come out still as a growth investor, which is about that $80.20 split in terms of 80¢ growth assets, about 20¢ defensive, which is still adequate for your time\n\nChannel 1: Mhmm.\n\nChannel 0: frame. You could even look to take on more risk if you you wanted to. But in in saying that it's more than appropriate and it's performing quite well even compared to some high growth portfolios as well, if you are still\n\nChannel 1: Fantastic.\n\nChannel 0: happy with that.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Right.\n\nChannel 1: Yep. Very happy.\n\nChannel 0: Not a problem at all. Now the last thing I will do there, Kendall, I was supposed to send it to the start of the call, but, generally, because you're driving, you can't look at them anyway. But this will just be your annual review pack. So what this call contain is a new copy of the financial services guide, a little index chart to show you, like, markets over a long term period and why we are those long term investors,\n\nChannel 1: Mhmm.\n\nChannel 0: A fee disclosed statement of the fees you did pay. Now because it's been so long since you had your interview, the fees actually did turn off. Now it\n\nChannel 1: Oh,\n\nChannel 0: will\n\nChannel 1: okay.\n\nChannel 0: document, like,\n\nChannel 1: Mhmm.\n\nChannel 0: an ongoing service agreement to turn those back on if you were happy to stay for another twelve months. Obviously,\n\nChannel 1: Yep.\n\nChannel 0: you know, you got a discount. We're not gonna call back any of those fees or anything like that. You've just got a discount\n\nChannel 1: Mhmm.\n\nChannel 0: for that period, which is happy days. And then it will have a copy of your asset performance and then also your Telstra good of currency as well. The other few documents there is a TFN opt in form, so your tax file number, where we're storing that's been updated. So that'll just be an updated form on\n\nChannel 1: Okay.\n\nChannel 0: where we'll be storing that form, and then a a lost super search form. So that gets sent off to the ATO, and it just looks out there if you've got any lost super or any other funds that we're unaware of, and that normally takes six months to a year to come back anyway with the ATO.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Yep. Of course.\n\nChannel 0: that'll be everything in that document sent, and it'll be via OdooSign. I know if you've DocuSign previously, so a little bit different. It comes in an email still. You'll have your attachments as separate attachments within the email, and there'll be a link to those signable documents that OSATFN and the lawsuit for research form.\n\nChannel 1: Okay. Yeah. That's fine.\n\nChannel 0: Great. Do you have any questions in regards to those documents or what's being sent out or any questions\n\nChannel 1: No.\n\nChannel 0: regarding? No. Not a problem. No questions regarding, like, the your fees, what you're currently paying, anything like that?\n\nChannel 1: No. No questions. I'll go. But yeah. No question.\n\nChannel 0: No problem. And just double checking too. Your partner is not a client with us. Correct?\n\nChannel 1: She's not. No.\n\nChannel 0: Yeah. They have, at the moment, still going a coupling\n\nChannel 1: Yeah.\n\nChannel 0: fee, which can drop your your ongoing down if they were. Now I'm not too sure what your partner does or what her finances look like or\n\nChannel 1: Yeah.\n\nChannel 0: if she even\n\nChannel 1: She\n\nChannel 0: wants a review. But\n\nChannel 1: no. She's I I I spoke with her before, but she actually has her own broker who's now acting on her behalf and doing quite well. So she's quite happy.\n\nChannel 0: not a problem at all.\n\nChannel 1: Mhmm.\n\nChannel 0: Anything changed in the future, feel free to reach out. I'm not too sure\n\nChannel 1: Of\n\nChannel 0: if\n\nChannel 1: course.\n\nChannel 0: the the coupling fee will be going forward, but it is a free consultation\n\nChannel 1: Mhmm.\n\nChannel 0: anyway. So whether that's friends or\n\nChannel 1: Yep.\n\nChannel 0: family, I believe even they've still got the referral bonus going. So even if someone comes on board through your referral, I think you do get a $100 gift card still. So\n\nChannel 1: Mhmm. Alright.\n\nChannel 0: you mention it to anyone. Make sure they mention your name. Just as a reminder, you might still get the the gift card out of it if someone was gonna come on board through your referral anyway. But not a problem, Kendall. Thanks for your time today.\n\nOtherwise, I'll let you get back to it.\n\nChannel 1: Yep. Alright. Wonderful. Thanks, Paul.\n\nChannel 0: Perfect. We'll probably be in touch in sort of, you know, a few weeks\n\nChannel 1: Yep.\n\nChannel 0: or maybe\n\nChannel 1: Yeah.\n\nChannel 0: closer\n\nChannel 1: Yep.\n\nChannel 0: to a month given that it's not too dire. With the way things are going, if anything, your Benelon might come back a little bit in that time frame, but we'll\n\nChannel 1: Okay.\n\nChannel 0: do the that update and get that document to you.\n\nChannel 1: You're brilliant. Alright. Wonderful. Thanks, Carl.\n\nChannel 0: Too easy, Kendall. If you don't have anything for me, I'll let you get back to it.\n\nChannel 1: No. That's it.\n\nChannel 0: Too\n\nChannel 1: Thanks so much.\n\nChannel 0: easy. Thanks for your time. Bye now.\n\nChannel 1: Alright. Goodbye.","paragraphs":[{"sentences":[{"text":"Sorry.","start":0.16,"end":0.48,"sentiment":"neutral","sentiment_score":-0.033221278339624405},{"text":"Alright.","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.13838684558868408},{"text":"Alright.","start":1.68,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.2728598415851593},{"text":"Good day.","start":2.8,"end":3.1999998,"sentiment":"positive","sentiment_score":0.5261545479297638},{"text":"This","start":3.1999998,"end":3.28,"sentiment":"positive","sentiment_score":0.5252392888069153}],"sentiment":"neutral","sentiment_score":0.32592896558344364,"channel":1,"num_words":6,"start":0.16,"end":3.28},{"sentences":[{"text":"Good","start":3.1999998,"end":3.4399998,"sentiment":"positive","sentiment_score":0.49829158186912537}],"sentiment":"positive","sentiment_score":0.49829158186912537,"channel":0,"num_words":1,"start":3.1999998,"end":3.4399998},{"sentences":[{"text":"is 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one.","start":59.64,"end":60.78,"sentiment":"positive","sentiment_score":0.5659309774637222},{"text":"Now in regards to I know because there was sort of a few months here now, probably five to six months we originally tried to get a hold of there and some business sort of things happened that way.","start":60.84,"end":69.435,"sentiment":"neutral","sentiment_score":-0.02230717786229574},{"text":"In a bit","start":69.435,"end":69.915,"sentiment":"neutral","sentiment_score":-0.12246241668860118}],"sentiment":"neutral","sentiment_score":0.03347141240188416,"channel":0,"num_words":47,"start":59.079998,"end":69.915},{"sentences":[{"text":"Yep.","start":69.87,"end":70.37,"sentiment":"neutral","sentiment_score":-0.11947690695524216}],"sentiment":"neutral","sentiment_score":-0.11947690695524216,"channel":1,"num_words":1,"start":69.87,"end":70.37},{"sentences":[{"text":"slack with reaching out.","start":69.915,"end":71.295,"sentiment":"neutral","sentiment_score":-0.1602790355682373},{"text":"So 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in regards to that, do you have any questions before we jump into the call at all in regarding your account or anything, Kendall, that you do wanna address today?","start":73.835,"end":80.895,"sentiment":"neutral","sentiment_score":-0.003470242564235964}],"sentiment":"neutral","sentiment_score":-0.003470242564235964,"channel":0,"num_words":31,"start":73.835,"end":80.895},{"sentences":[{"text":"No.","start":81.055,"end":81.455,"sentiment":"neutral","sentiment_score":-0.1893502771854401},{"text":"No.","start":81.455,"end":81.695,"sentiment":"neutral","sentiment_score":-0.23521484434604645},{"text":"No.","start":81.695,"end":82.195,"sentiment":"neutral","sentiment_score":-0.08949621766805649},{"text":"I'm I'm I've I've remained grossly ignorant of those things.","start":82.415,"end":85.795,"sentiment":"negative","sentiment_score":-0.44120927155017853},{"text":"Almost It's all being looked 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so that's fantastic for me.","start":110.815,"end":113.07,"sentiment":"positive","sentiment_score":0.6410223218527707},{"text":"Do I have to update anything?","start":113.07,"end":114.37,"sentiment":"neutral","sentiment_score":0.1452504682044188},{"text":"In regards to your next of kin, I've got Belle there and her number.","start":114.99,"end":119.950005,"sentiment":"neutral","sentiment_score":0.043887813575565815}],"sentiment":"neutral","sentiment_score":0.3004545657048849,"channel":0,"num_words":44,"start":106.895,"end":119.950005},{"sentences":[{"text":"Is that changed at 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that?","start":1515.755,"end":1519.855,"sentiment":"neutral","sentiment_score":0.016201347578316927}],"sentiment":"neutral","sentiment_score":0.027009389020110432,"channel":0,"num_words":19,"start":1513.05,"end":1519.855},{"sentences":[{"text":"No.","start":1520.4199,"end":1520.82,"sentiment":"neutral","sentiment_score":0.013406146317720411},{"text":"No questions.","start":1520.82,"end":1521.38,"sentiment":"neutral","sentiment_score":0.011529027950018644},{"text":"I'll go.","start":1521.38,"end":1521.94,"sentiment":"neutral","sentiment_score":0.0254178112372756},{"text":"But yeah.","start":1521.94,"end":1522.34,"sentiment":"neutral","sentiment_score":0.027595778927206993},{"text":"No question.","start":1522.34,"end":1523.08,"sentiment":"neutral","sentiment_score":0.029395578429102898}],"sentiment":"neutral","sentiment_score":0.02236472660054763,"channel":1,"num_words":9,"start":1520.4199,"end":1523.08},{"sentences":[{"text":"No 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can drop your your ongoing down if they were.","start":1533.47,"end":1537.09,"sentiment":"neutral","sentiment_score":-0.05420497517016801},{"text":"Now I'm not too sure what your partner does or what her finances look like or","start":1537.23,"end":1540.27,"sentiment":"neutral","sentiment_score":-0.037744372501038015}],"sentiment":"neutral","sentiment_score":-0.04445054395883172,"channel":0,"num_words":27,"start":1533.47,"end":1540.27},{"sentences":[{"text":"Yeah.","start":1540.235,"end":1540.6349,"sentiment":"neutral","sentiment_score":-0.013110379688441752}],"sentiment":"neutral","sentiment_score":-0.013110379688441752,"channel":1,"num_words":1,"start":1540.235,"end":1540.6349},{"sentences":[{"text":"if she 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she actually has her own broker who's now acting on her behalf and doing quite well.","start":1542.315,"end":1549.29,"sentiment":"neutral","sentiment_score":0.2692206910252571},{"text":"So she's quite happy.","start":1549.29,"end":1550.51,"sentiment":"positive","sentiment_score":0.4722638800740242}],"sentiment":"neutral","sentiment_score":0.2883486443509658,"channel":1,"num_words":30,"start":1542.075,"end":1550.51},{"sentences":[{"text":"not a problem at all.","start":1551.355,"end":1552.495,"sentiment":"neutral","sentiment_score":0.20568153858184815}],"sentiment":"neutral","sentiment_score":0.20568153858184815,"channel":0,"num_words":5,"start":1551.355,"end":1552.495},{"sentences":[{"text":"Mhmm.","start":1553.05,"end":1553.55,"sentiment":"neutral","sentiment_score":0.05220712721347809}],"sentiment":"neutral","sentiment_score":0.05220712721347809,"channel":1,"num_words":1,"start":1553.05,"end":1553.55},{"sentences":[{"text":"Anything changed in the future, feel free to reach out.","start":1553.115,"end":1555.0349,"sentiment":"neutral","sentiment_score":0.0759297952055931},{"text":"I'm not too sure","start":1555.0349,"end":1555.6749,"sentiment":"neutral","sentiment_score":-0.004278520355001092}],"sentiment":"neutral","sentiment_score":0.05301313361685191,"channel":0,"num_words":14,"start":1553.115,"end":1555.6749},{"sentences":[{"text":"Of","start":1555.53,"end":1555.77,"sentiment":"neutral","sentiment_score":0.010624222457408903}],"sentiment":"neutral","sentiment_score":0.010624222457408903,"channel":1,"num_words":1,"start":1555.53,"end":1555.77},{"sentences":[{"text":"if","start":1555.6749,"end":1555.835,"sentiment":"neutral","sentiment_score":0.02854287065565586}],"sentiment":"neutral","sentiment_score":0.02854287065565586,"channel":0,"num_words":1,"start":1555.6749,"end":1555.835},{"sentences":[{"text":"course.","start":1555.77,"end":1556.27,"sentiment":"neutral","sentiment_score":0.051971450448036194}],"sentiment":"neutral","sentiment_score":0.051971450448036194,"channel":1,"num_words":1,"start":1555.77,"end":1556.27},{"sentences":[{"text":"the the coupling fee will be going forward, but it is a free consultation","start":1555.835,"end":1559.39,"sentiment":"neutral","sentiment_score":0.06650227680802345}],"sentiment":"neutral","sentiment_score":0.06650227680802345,"channel":0,"num_words":14,"start":1555.835,"end":1559.39},{"sentences":[{"text":"Mhmm.","start":1559.005,"end":1559.505,"sentiment":"neutral","sentiment_score":0.07095719873905182}],"sentiment":"neutral","sentiment_score":0.07095719873905182,"channel":1,"num_words":1,"start":1559.005,"end":1559.505},{"sentences":[{"text":"anyway.","start":1559.45,"end":1559.85,"sentiment":"neutral","sentiment_score":0.0918608158826828},{"text":"So whether that's friends or","start":1559.85,"end":1561.05,"sentiment":"neutral","sentiment_score":0.1357687845826149}],"sentiment":"neutral","sentiment_score":0.1284507897992929,"channel":0,"num_words":6,"start":1559.45,"end":1561.05},{"sentences":[{"text":"Yep.","start":1561.005,"end":1561.505,"sentiment":"neutral","sentiment_score":0.13726584613323212}],"sentiment":"neutral","sentiment_score":0.13726584613323212,"channel":1,"num_words":1,"start":1561.005,"end":1561.505},{"sentences":[{"text":"family, I believe even they've still got the referral bonus going.","start":1561.05,"end":1564.17,"sentiment":"neutral","sentiment_score":0.25207670574838464},{"text":"So even if someone comes on board through your referral, I think you do get a $100 gift card still.","start":1564.17,"end":1569.63,"sentiment":"neutral","sentiment_score":0.21365774422883987},{"text":"So","start":1569.77,"end":1570.27,"sentiment":"neutral","sentiment_score":0.10528628528118134}],"sentiment":"neutral","sentiment_score":0.22347765415906906,"channel":0,"num_words":32,"start":1561.05,"end":1570.27},{"sentences":[{"text":"Mhmm.","start":1569.885,"end":1570.135,"sentiment":"neutral","sentiment_score":0.07741934061050415},{"text":"Alright.","start":1570.135,"end":1570.635,"sentiment":"neutral","sentiment_score":0.10127551853656767}],"sentiment":"neutral","sentiment_score":0.08934742957353592,"channel":1,"num_words":2,"start":1569.885,"end":1570.635},{"sentences":[{"text":"you mention it to anyone.","start":1570.435,"end":1571.8151,"sentiment":"neutral","sentiment_score":0.0927103117108345},{"text":"Make sure they mention your name.","start":1571.9551,"end":1573.235,"sentiment":"neutral","sentiment_score":0.1096965658167998},{"text":"Just as a reminder, you might still get the the gift card out of it if someone was gonna come on board through your referral anyway.","start":1573.235,"end":1579.895,"sentiment":"neutral","sentiment_score":0.13716782414569303},{"text":"But not a problem, Kendall.","start":1580.1951,"end":1581.3151,"sentiment":"neutral","sentiment_score":0.18308334946632385},{"text":"Thanks for your time today.","start":1581.3151,"end":1582.6951,"sentiment":"positive","sentiment_score":0.7124385476112366}],"sentiment":"neutral","sentiment_score":0.19501497588576155,"channel":0,"num_words":47,"start":1570.435,"end":1582.6951},{"sentences":[{"text":"Otherwise, I'll let you get back to 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weeks","start":1587.18,"end":1589.66,"sentiment":"neutral","sentiment_score":0.23298742679449227}],"sentiment":"neutral","sentiment_score":0.26605477929115295,"channel":0,"num_words":14,"start":1586.78,"end":1589.66},{"sentences":[{"text":"Yep.","start":1589.465,"end":1589.965,"sentiment":"neutral","sentiment_score":0.10220371186733246}],"sentiment":"neutral","sentiment_score":0.10220371186733246,"channel":1,"num_words":1,"start":1589.465,"end":1589.965},{"sentences":[{"text":"or 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dire.","start":1590.62,"end":1592.7001,"sentiment":"neutral","sentiment_score":0.15078094518846935},{"text":"With the way things are going, if anything, your Benelon might come back a little bit in that time frame, but we'll","start":1592.7001,"end":1596.78,"sentiment":"neutral","sentiment_score":0.17837280305949124}],"sentiment":"neutral","sentiment_score":0.17036226367758167,"channel":0,"num_words":31,"start":1590.62,"end":1596.78},{"sentences":[{"text":"Okay.","start":1596.6649,"end":1597.1649,"sentiment":"neutral","sentiment_score":0.15570057928562164}],"sentiment":"neutral","sentiment_score":0.15570057928562164,"channel":1,"num_words":1,"start":1596.6649,"end":1597.1649},{"sentences":[{"text":"do the that update and get that document to you.","start":1596.78,"end":1599.225,"sentiment":"positive","sentiment_score":0.34169567227363584}],"sentiment":"positive","sentiment_score":0.34169567227363584,"channel":0,"num_words":10,"start":1596.78,"end":1599.225},{"sentences":[{"text":"You're brilliant.","start":1599.5449,"end":1600.105,"sentiment":"positive","sentiment_score":0.7941507399082184},{"text":"Alright.","start":1600.105,"end":1600.4249,"sentiment":"positive","sentiment_score":0.5519899725914001},{"text":"Wonderful.","start":1600.4249,"end":1600.825,"sentiment":"positive","sentiment_score":0.759594202041626},{"text":"Thanks, Carl.","start":1600.825,"end":1601.645,"sentiment":"positive","sentiment_score":0.6624233722686768}],"sentiment":"positive","sentiment_score":0.7041220664978027,"channel":1,"num_words":6,"start":1599.5449,"end":1601.645},{"sentences":[{"text":"Too easy, Kendall.","start":1601.705,"end":1602.4249,"sentiment":"neutral","sentiment_score":0.2656196306149165},{"text":"If you don't have anything for me, I'll let you get back to it.","start":1602.4249,"end":1604.605,"sentiment":"neutral","sentiment_score":0.025073692867798463}],"sentiment":"neutral","sentiment_score":0.06752297599964283,"channel":0,"num_words":17,"start":1601.705,"end":1604.605},{"sentences":[{"text":"No.","start":1604.6948,"end":1604.9349,"sentiment":"neutral","sentiment_score":-0.2311326563358307},{"text":"That's it.","start":1604.9349,"end":1605.3348,"sentiment":"neutral","sentiment_score":-0.16145388036966324}],"sentiment":"neutral","sentiment_score":-0.1846801390250524,"channel":1,"num_words":3,"start":1604.6948,"end":1605.3348},{"sentences":[{"text":"Too","start":1605.3049,"end":1605.8049,"sentiment":"neutral","sentiment_score":0.07946240156888962}],"sentiment":"neutral","sentiment_score":0.07946240156888962,"channel":0,"num_words":1,"start":1605.3049,"end":1605.8049},{"sentences":[{"text":"Thanks so much.","start":1605.3348,"end":1606.1549,"sentiment":"positive","sentiment_score":0.5568089485168457}],"sentiment":"positive","sentiment_score":0.5568089485168457,"channel":1,"num_words":3,"start":1605.3348,"end":1606.1549},{"sentences":[{"text":"easy.","start":1606.505,"end":1606.6649,"sentiment":"positive","sentiment_score":0.39944231510162354},{"text":"Thanks for your time.","start":1606.6649,"end":1607.385,"sentiment":"positive","sentiment_score":0.6261343359947205},{"text":"Bye now.","start":1607.385,"end":1608.0449,"sentiment":"neutral","sentiment_score":0.3122105896472931}],"sentiment":"positive","sentiment_score":0.504057262625013,"channel":0,"num_words":7,"start":1606.505,"end":1608.0449},{"sentences":[{"text":"Alright.","start":1607.8148,"end":1608.2148,"sentiment":"neutral","sentiment_score":0.21735499799251556},{"text":"Goodbye.","start":1608.2148,"end":1608.7148,"sentiment":"neutral","sentiment_score":-0.10332158952951433}],"sentiment":"neutral","sentiment_score":0.05701670423150062,"channel":1,"num_words":2,"start":1607.8148,"end":1608.7148}]},"summary":{"result":"success","short":"During a call with Kendall from OQ Financial, they discuss updating Kendall's account information and updating his work schedule. They also discuss Kendall's current employment and savings accounts, as well as their retirement plans and health issues. The speaker provides information on their investment portfolio, health issues, and retirement plans, as well as their coverage and retirement goals. They also discuss their risk profile and fees, including a referral bonus and a risk-based moving forward. The call ends with a review of their annual review pack and fee disclosed statement of fees paid."},"intents":{"segments":[{"text":"I just scheduled in for you annual review. Is now still a good Yep. time for you?","start_word":40,"end_word":56,"intents":[{"intent":"Schedule annual review","confidence_score":0.3297748}]},{"text":"So what we'll do there was just go through and update some details in regards to FIFO, make sure everything's up to date. I'll give you a rundown on sort of where things are at. And then from there, any questions that come from that, feel free to to jump in and cut me off whenever you'd like. Okay.","start_word":359,"end_word":417,"intents":[{"intent":"Update and update information","confidence_score":0.013903776}]},{"text":"I'm normally up at Port Macquarie once a week. So, yeah, four days, I'm at the office in Rutherford, and then one day, I'm traveling up to Port Macquarie for the day. Perfect. So probably, like, 60% office work and about 40% out in the field doing those visits and travel. Yeah.","start_word":764,"end_word":815,"intents":[{"intent":"Address office visits","confidence_score":0.016829321}]},{"text":"And then in regards to that, we'll touch on my insurance a bit later.","start_word":999,"end_word":1012,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.068438575}]},{"text":"And how long have you been doing that role now?","start_word":1069,"end_word":1078,"intents":[{"intent":"Inquire about role experience","confidence_score":0.017330907},{"intent":"Ask about current job","confidence_score":0.0036440862},{"intent":"Confirm job experience","confidence_score":0.02206539},{"intent":"Confirm job experience","confidence_score":0.008355808}]},{"text":"And then as far as your industry experience, did any of that carry over to your current role?","start_word":1114,"end_word":1131,"intents":[{"intent":"Ask about production industry experience","confidence_score":0.036476642}]},{"text":"Or and with that, is your salary changed at all with that role? Yes.","start_word":1303,"end_word":1316,"intents":[{"intent":"Ask about salary change","confidence_score":0.11006068}]},{"text":"Have you managed to work out your budget a little bit better?","start_word":1355,"end_word":1366,"intents":[{"intent":"Evaluate budget","confidence_score":0.04425545}]},{"text":"I completely understand that. And, obviously, you know, putting a Mhmm. little away now can help sort of grow it towards a balance that, you know, can make it comp retirement a little bit more comfortable, all Yep.","start_word":1715,"end_word":1752,"intents":[{"intent":"Grow it","confidence_score":0.0035040411}]},{"text":"Within regards to that one, there is one active investment that I will touch on a little bit later there and have a bit Mhmm.","start_word":1801,"end_word":1825,"intents":[{"intent":"Discuss investment","confidence_score":0.36061355}]},{"text":"Within regards to that one, there is one active investment that I will touch on a little bit later there and have a bit Mhmm. more discussion around that and a potential update, but I'll finish the details of it. Yep.","start_word":1801,"end_word":1841,"intents":[{"intent":"Confirm investment","confidence_score":0.00024257743}]},{"text":"And as far as, like, your sales back amount that you you might be willing to do, like, have you thought about a figure that you'd, like, sort of be out of foregoing to, like, terms of a take home pay?","start_word":1842,"end_word":1882,"intents":[{"intent":"Confirm figure","confidence_score":0.44743648},{"intent":"Determine if pay is considered","confidence_score":2.1585487e-7}]},{"text":"Well, I need to confirm a lot, but I've I've been looking to get maybe an odd 50 a $100 a week. Yeah.","start_word":1883,"end_word":1905,"intents":[{"intent":"Determine savings","confidence_score":0.000024907915},{"intent":"Decide on retirement income","confidence_score":5.0228454e-7}]},{"text":"Because because with that too, like, the 50 to 100 out of your pay works out to be, like, less in terms of, like, what you're foregoing as a income Mhmm.","start_word":1906,"end_word":1936,"intents":[{"intent":"Understand income","confidence_score":0.000031246775},{"intent":"Confirm income","confidence_score":0.0046119858}]},{"text":"you're gonna take into account your your marginal tax Yep. rate as That's well.","start_word":1944,"end_word":1957,"intents":[{"intent":"Take into account tax rate","confidence_score":0.045868237}]},{"text":"day versus the Yeah. the actual 100, and then you get 85 going into super based on the the 15% tax rate in there. Yep.","start_word":2014,"end_word":2038,"intents":[{"intent":"Determine investments and calculate income","confidence_score":1.0978655e-8}]},{"text":"said, you do have plenty of equity in it, so you could potentially look at it as, like, your next sort of step in your sort of financial goals. But, yeah, completely up to you at the end of the day.","start_word":2355,"end_word":2395,"intents":[{"intent":"Discuss retirement plans","confidence_score":0.000107792555}]},{"text":"Now are you currently happy with those cover amounts?","start_word":3058,"end_word":3066,"intents":[{"intent":"Confirm current coverage amount","confidence_score":0.000006067166}]},{"text":"review? Or I'll be back.","start_word":3073,"end_word":3077,"intents":[{"intent":"Request review","confidence_score":0.0028095269}]},{"text":"As long as you're happy with all that, that can remain the same. Like We your management.","start_word":3298,"end_word":3314,"intents":[{"intent":"End conversation","confidence_score":0.012475227}]},{"text":"As I said, the portfolio as a whole is doing quite well still. As a Mhmm.","start_word":3326,"end_word":3341,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.50820756}]},{"text":"That was with the for an Australian equities managed fund. That still aims to outperform the market, and you will have a portion which is about 10% towards active investment Okay.","start_word":3691,"end_word":3721,"intents":[{"intent":"Explain investment strategy","confidence_score":0.0003578732}]},{"text":"And then as far as any other goals that you're looking towards in the future, is there anything else that you're looking at updating or moving towards or anything you're looking to do? Nope.","start_word":4034,"end_word":4067,"intents":[{"intent":"Update investments","confidence_score":0.0186504}]},{"text":"Like, if it dropped by, like, 20% and your portfolio was sitting at that 20% loss over a six month period, would you wanna be looking at changing up investments?","start_word":4362,"end_word":4391,"intents":[{"intent":"Evaluate portfolio options","confidence_score":0.07082026}]},{"text":"money for whether it be, like, an investment property or, like, stocks or shares portfolio.","start_word":4700,"end_word":4714,"intents":[{"intent":"Provide information about investment portfolios","confidence_score":0.00034354837}]},{"text":"Now in regards to that, you have come out still as a growth investor, which is about that $80.20 split in terms of 80<unk> growth assets, about 20<unk> defensive, which is still adequate for your time Mhmm. frame.","start_word":4716,"end_word":4753,"intents":[{"intent":"Explain portfolio performance","confidence_score":0.010021829}]},{"text":"A fee disclosed statement of the fees you did pay.","start_word":4888,"end_word":4897,"intents":[{"intent":"Inform about fees","confidence_score":0.00512907}]},{"text":"document, like, Mhmm. an ongoing service agreement to turn those back on if you were happy to stay for another twelve months. Obviously, Yep.","start_word":4920,"end_word":4943,"intents":[{"intent":"Propose future growth","confidence_score":0.0004208985},{"intent":"Describe service agreement","confidence_score":0.007723581}]},{"text":"The other few documents there is a TFN opt in form, so your tax file number, where we're storing that's been updated.","start_word":4997,"end_word":5018,"intents":[{"intent":"Provide information about tax file number","confidence_score":0.008536725}]}]},"sentiments":{"segments":[{"text":"Sorry. Alright. Alright.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.14591218531131744},{"text":"Good day. Good This is afternoon.","start_word":3,"end_word":8,"sentiment":"positive","sentiment_score":0.488499253988266},{"text":"Kendall.","start_word":9,"end_word":9,"sentiment":"neutral","sentiment_score":0.23389263451099396},{"text":"Good afternoon, Kendall.","start_word":10,"end_word":12,"sentiment":"positive","sentiment_score":0.3396913409233093},{"text":"It's Carl calling from OQ Financial. How are you today? Yeah.","start_word":13,"end_word":23,"sentiment":"neutral","sentiment_score":0.25276079773902893},{"text":"Good. Thanks, Kyle. How are you today?","start_word":24,"end_word":30,"sentiment":"positive","sentiment_score":0.4909398555755615},{"text":"Yeah. Not too bad at all.","start_word":31,"end_word":36,"sentiment":"neutral","sentiment_score":0.2997846305370331},{"text":"Thanks for asking. I just scheduled in for you annual review. Is now still a good Yep. time for you?","start_word":37,"end_word":56,"sentiment":"positive","sentiment_score":0.43478283286094666},{"text":"Yeah. Yeah, mate. I'm I'm about to jump in the car. So as long as you don't mind me driving on on hands free. I don't No. think you That guys that's have anything I perfect. can use my hands for otherwise. There is some documents getting sent out. So with that one, they obviously don't review those while driving. But Yeah. I can That's just not. talk you through what's there, and then you can have a look at them once you get home and Yep. see if there's any questions concerned. You can come back if that's alright. Yep. Okay. That's that's fine. Alright. No problem. Just to let you know, Kendall, these calls are recorded for quality and training purposes there. And just to get stuck into that today. If I could just pass you through security there, just that name, Yep. date of birth, and current address? Yep. So my name is Kendall Johnlyn. My date of birth is fourteen o two nineteen eighty three, and my current address is 82 Emperor Parade, Chisholm, New South Wales 2322.","start_word":57,"end_word":238,"sentiment":"neutral","sentiment_score":0.022520510479807857},{"text":"Brilliant. Thanks for that one.","start_word":239,"end_word":243,"sentiment":"positive","sentiment_score":0.5564078092575073},{"text":"Now in regards to I know because there was sort of a few months here now, probably five to six months we originally tried to get a hold of there and some business sort of things happened that way. In a bit Yep. slack with reaching out. So apologies for that one. No. No. You're In fine. regard in regards to that, do you have any questions before we jump into the call at all in regarding your account or anything, Kendall, that you do wanna address today? No. No. No.","start_word":244,"end_word":334,"sentiment":"neutral","sentiment_score":-0.0669046938419342},{"text":"I'm I'm I've I've remained grossly ignorant of those things.","start_word":335,"end_word":344,"sentiment":"negative","sentiment_score":-0.40117937326431274},{"text":"Almost It's all being looked after. I'm okay.","start_word":345,"end_word":352,"sentiment":"neutral","sentiment_score":0.012428093701601028},{"text":"Happy days.","start_word":353,"end_word":354,"sentiment":"positive","sentiment_score":0.4966942965984345},{"text":"No problem at all. So what we'll do there was just go through and update some details in regards to FIFO, make sure everything's up to date. I'll give you a rundown on sort of where things are at. And then from there, any questions that come from that, feel free to to jump in and cut me off whenever you'd like. Okay.","start_word":355,"end_word":417,"sentiment":"neutral","sentiment_score":0.1564892828464508},{"text":"Not a problem at all. So we'll just confirm a few details there. As you said, you haven't moved, so that's fantastic for me.","start_word":418,"end_word":441,"sentiment":"positive","sentiment_score":0.505515456199646},{"text":"Do I have to update anything? In regards to your next of kin, I've got Belle there and her number. Is that changed at all? Yeah. No. No. Bill's the same, mate. She's the same same address, same number. Still my first point of contact. Oh, second Great.","start_word":442,"end_word":489,"sentiment":"neutral","sentiment_score":0.04097731411457062},{"text":"Perfect.","start_word":490,"end_word":490,"sentiment":"positive","sentiment_score":0.3637363910675049},{"text":"And I don't have it actually listed here as well. You're a spouse as well. point. Yes. You sure is? Brilliant. Just double checking. Don't wanna make any assumptions. No. And do you have any current dependents at the moment there, Kendall? God, no. Yep. Except maybe a dog or a cat living at home. Three cats. No. Three dogs. Three Sorry. cats. Three I like dogs. cats. I don't know why I said that. Yeah. Fair Three enough. dogs. I'm a bit the same. I've got a dog there myself. And then Yeah. in regards to your Occupace, Nick, and are you still the telecommation telecommunication? No. Sorry, No. engineer? I'm not. No? So that that has changed. I'm now an operations manager at a new business. So I can give you those details if you like. Yep. And then what's your current employer's name? It is TWP Spring Services proprietary listed. Perfect. And then in regards to that role, like, what would you say your day to day is like? Are you a 100% in the office with that one now? No. I have two different sites to look after. So I look after a site in, which is relatively close to where I live, and another one at Port Macquarie. Yep. And distance wise, how sort of far is that from, like, your office? I travel about two hours forty five minutes, so it must be over 200 k. Yep. And how often do you say you go to this site for that one? Like, how long are you in the office versus how long are you doing site visit? I'm normally up at Port Macquarie once a week. So, yeah, four days, I'm at the office in Rutherford, and then one day, I'm traveling up to Port Macquarie for the day.","start_word":491,"end_word":795,"sentiment":"neutral","sentiment_score":0.010392997322268172},{"text":"Perfect. So probably, like, 60% office work and about 40% out in the field doing those visits and travel.","start_word":796,"end_word":814,"sentiment":"positive","sentiment_score":0.36083096265792847},{"text":"Yeah. Actually, that's probably what I thought. Yep.","start_word":815,"end_word":822,"sentiment":"neutral","sentiment_score":0.08607321232557297},{"text":"Perfect.","start_word":823,"end_word":823,"sentiment":"positive","sentiment_score":0.35047924518585205},{"text":"And then with that one there, are you sort of in any, like, active, like, construction zones? Are you just are you wearing your appropriate PPE, or are you not doing any of that? You're just visiting Yes. the side office? Well, yeah, we do have a production line, and which I do wear PPE for, and I I'll be on the production line on occasion. So, you know, probably every couple of days, I'll be on there for a couple of hours. But, man, nothing terribly high risk unless, of course, I'll just go all over from air condition anyway. Yeah. Not a problem. Just the reason I asked so many sort of questions just in relation to it because in regards to, like, your Mhmm. occupation rating with your insurances, if it comes out as better, then we can look at sort of changing that or whether Okay. or not we're looking at changing things. Given that you're on a production line, I dare say that, no, it probably won't be better. And then in regards to that, we'll touch on my insurance a bit later. But then with that too in the production lines and in the warehouses, do you work above, like, 12 meters at all? You're not in any catwalks or anything No. like that? No. No. No. No. No. I work. No confined spaces. No other hazardous materials that you work with? No. Not that I work with. Perfect. And how long have you been doing that role now? I started the second week of October Okay. So Milwaukee. fairly, fairly fresh then, sort of the the four Yep. month Yep. mark? Just yeah. It's the four half months. Yeah.","start_word":824,"end_word":1109,"sentiment":"neutral","sentiment_score":-0.04820686761107478},{"text":"I like the Yep.","start_word":1110,"end_word":1113,"sentiment":"positive","sentiment_score":0.5473655462265015},{"text":"And then as far as your industry experience, did any of that carry over to your current role? Trips and drags, unfortunately. Yes. I'm still doing all the IT and phones and and mechanical work on occasion. Yep. Yep. And how long were were you doing that? Sorry. Just to refresh my memory. I don't have it written down in front of me. Like, Previously? for the IT yeah. IT. Yeah. Yeah. I did that job for thirteen just over thirteen years. Thirteen and a half years. Okay.","start_word":1114,"end_word":1201,"sentiment":"neutral","sentiment_score":-0.032777007669210434},{"text":"Great.","start_word":1202,"end_word":1202,"sentiment":"positive","sentiment_score":0.4101020693778992},{"text":"And then in regards to the size you're looking after, what actually industry of production are they working in? Yeah. It's actually water production. So we do bottling of 15 liter water bottles. Plus, we have a production line which does six hundred one point five and ten liter. Okay.","start_word":1203,"end_word":1252,"sentiment":"neutral","sentiment_score":0.06656351685523987},{"text":"Brilliant.","start_word":1253,"end_word":1253,"sentiment":"positive","sentiment_score":0.3831072449684143},{"text":"So it's Any they do a few production. yeah. Yeah. Food manufacturing. Yep.","start_word":1254,"end_word":1266,"sentiment":"neutral","sentiment_score":0.06432310491800308},{"text":"Perfect.","start_word":1267,"end_word":1267,"sentiment":"positive","sentiment_score":0.37721967697143555},{"text":"And then as far as your employment, so that's you full time? Yes. Yep. And is that like a thirty eight hour week? Is that a little bit different? It's a thirty eight hour week. Or and with that, is your salary changed at all with that role? Yes. My salary is now 90,000 a year.","start_word":1268,"end_word":1323,"sentiment":"neutral","sentiment_score":0.031028401106595993},{"text":"Perfect.","start_word":1324,"end_word":1324,"sentiment":"positive","sentiment_score":0.4657851159572602},{"text":"And then as far as, like, your expenditures and savings, I know you're sort of roughly trying to put away a $100 a week and weren't too sure your expenditures. Have you managed to work out your budget a little bit better? Do you know sort of your outgoings versus savings at Yeah. the moment? Yeah. My wife does the actual budgeting for all this, but, yeah, we do have a savings account that has a couple 100 being put in every week now. Yep. And what's that sort of currently sitting on if you don't mind me asking? I I have no idea. I don't have access to it. Yeah. Sometimes it's a little bit better out of sight out of It's mind. it's yeah. That's exactly right. Best best probably let me have the money. Yeah. Yeah. I don't know. Yeah. I I I couldn't clearly tell you, unfortunately. No. That that's perfectly fine. It's not a a huge thing anyway unless Mhmm. you're looking to invest some of it. But in in time as well, you're still putting that money away. And do you know roughly what Yes. sort of your outgoing looks like per week? No. No. No. I I my pay You is put always in traditionally the bank of just gas? paid off the house and bills, and a lot of the expenditures and things. I get given $80 a week for my personal use. So all I can tell you Yep. is I spend about $80 a week. Yep.","start_word":1325,"end_word":1580,"sentiment":"neutral","sentiment_score":-0.023273315280675888},{"text":"And Fuck. with I the could price I could of I a could Zingabox tell you here. these days, it it gets quickly gets eaten away.","start_word":1581,"end_word":1606,"sentiment":"negative","sentiment_score":-0.4091722369194031},{"text":"Yeah. Well, the great thing is at least I'm in company cars. So I not not so many years ago, I had to pay for the petrol out of that.","start_word":1607,"end_word":1636,"sentiment":"neutral","sentiment_score":0.08984536677598953},{"text":"So Brilliant.","start_word":1637,"end_word":1638,"sentiment":"positive","sentiment_score":0.5004440546035767},{"text":"yeah. And then within regards to your superannuation, are you looking at putting any more into super or make any additional contributions in any sense, salary, sacrifice, or otherwise? No. I am looking to it. I would like to. You know, even if it's just a small normal amount, I I would I would like to put more in my suit by just to ensure that I have something to to fall back on. Yeah. No. I completely understand that. And, obviously, you know, putting a Mhmm. little away now can help sort of grow it towards a balance that, you know, can make it comp retirement a little bit more comfortable, all Yep. things sort of going to plan. I can let you know it's sort of sitting around the $1.41, like 1,400 1,000 off a 141,700. Sorry.","start_word":1639,"end_word":1777,"sentiment":"neutral","sentiment_score":0.12007858352266627},{"text":"I'm sticking with my throat.","start_word":1778,"end_word":1782,"sentiment":"negative","sentiment_score":-0.4572987556457519},{"text":"Mhmm. Mhmm. Yeah. Currently Okay. then, and it has been tracking quite well, not only year on year. Within regards to that one, there is one active investment that I will touch on a little bit later there and have a bit Mhmm. more discussion around that and a potential update, but I'll finish the details of it. Yep. And as far as, like, your sales back amount that you you might be willing to do, like, have you thought about a figure that you'd, like, sort of be out of foregoing to, like, terms of a take home pay? Well, I need to confirm a lot, but I've I've been looking to get maybe an odd 50 a $100 a week. Yeah. Because because with that too, like, the 50 to 100 out of your pay works out to be, like, less in terms of, like, what you're foregoing as a income Mhmm. anyway Yes. because, The tax. obviously, Yes. you're gonna take into account your your marginal tax Yep. rate as That's well. right. And given that you're sort of in that sort of mid range tax rate there, you're looking around 31% of that or 30% plus your Mhmm. Medicare levy goes to towards taxes. Yep.","start_word":1783,"end_word":1991,"sentiment":"neutral","sentiment_score":0.04579775780439377},{"text":"So, really, if you put, like, a $100 in, you're sort of losing 70 at the Go end ahead.","start_word":1992,"end_word":2010,"sentiment":"negative","sentiment_score":-0.3594869375228882},{"text":"of the Yeah. day versus the Yeah. the actual 100, and then you get 85 going into super based on the the 15% tax rate in there. Yep. I can make a little note of that looking to sort of that 50 to a 100 mark and what that looks Yep. like. Because as Yes, I said, boys. we're just looking at doing an update just with one investment there so we can look and show you what that looks like with that Okay. and just Yeah. give you the figures, both the 50 and a 100 as an alternative. And then if you decide to go ahead with that, obviously, you just go to your employer, and then you can sort of submit that with the payroll if they're happy to do it, and then they can Yes. just That's sort of mine. start that for you. Yeah. Okay. Not a Yep.","start_word":2011,"end_word":2163,"sentiment":"neutral","sentiment_score":0.1568281054496765},{"text":"problem at all. Brilliant.","start_word":2164,"end_word":2167,"sentiment":"positive","sentiment_score":0.5142354369163513},{"text":"And then as far as the the mortgage goes with the house, and that's it's worth around the 1.1. You have around $4.50 owing. Is that still sort of roughly? Obviously, you paid down a little bit, but maybe don't Yeah. have the You figures know? in front of you. Yeah. We've paid down a bit. I think we actually started taking off the principal in the house. So I think we're around about last time I saw it was about $4.43.","start_word":2168,"end_word":2249,"sentiment":"neutral","sentiment_score":0.05116886645555496},{"text":"Perfect.","start_word":2250,"end_word":2250,"sentiment":"positive","sentiment_score":0.49459224939346313},{"text":"Yeah. But yeah. The house is still worth quite a bit. So it's Yeah. definitely Yeah. not devaluing. Yeah. Plenty of equity in that one. And were you thinking of doing, like, the investment property route at any point? Or Yep. No. I I I wish I was more ambitious, but, no, I'm not really. no. Completely understand. Well, obviously, things change. We have access to a few mortgage brokers we work with you. If you ever did want Mhmm. a referral to have a chat with anyone, if you're comfortable just with the way things are going as well. Like you Yep. said, you do have plenty of equity in it, so you could potentially look at it as, like, your next sort of step in your sort of financial goals. But, yeah, completely up to you at the end of the day. And then as far as any other assets and liabilities that you have that we're not currently aware of, is there anything else that we don't currently have? Cool. No. No. My my car is being traded in for my wife's new car. I had a Yeah. Toyota Camry 2007. It's not worth much money, but, yeah, it's been traded in for my wife's new BYD at zero two. We should Yeah. arrive there this weekend, apparently.","start_word":2251,"end_word":2471,"sentiment":"neutral","sentiment_score":0.0532253883880188},{"text":"Great.","start_word":2472,"end_word":2472,"sentiment":"positive","sentiment_score":0.5423060655593872},{"text":"Yep. So, yeah, I'm moving in. I said she's getting in. I said, but I'm sure we're sharing it. Yeah. Well, that's it. You'll get it on the weekends to go out and do your holidays away and things like that as well. Maybe. Yeah. And so if you've answered this previously or not, obviously, like I said, we do a few business updates. We've updated the workbook, and it might not have been carried across, but you've never declared bankruptcy or ended a part nine debt agreement? No. I've never declared bankruptcy or defaulted on any payments or any other issues.","start_word":2473,"end_word":2574,"sentiment":"neutral","sentiment_score":0.05297373980283737},{"text":"Brilliant. That's good to hear.","start_word":2575,"end_word":2579,"sentiment":"positive","sentiment_score":0.4143390357494354},{"text":"And still currently a nonsmoker? Still currently among the second. And as far as health goes, no health issues, no current medications or anything like that? No. None at all. Brilliant. And do you currently hold any private health insurance? I do. Maybe. I mean, is that hospitals and extras or just extras? Okay. It's also the next service. It's actually quite, yeah, quite comprehensive. That's the word. Thank Comprehensive? you. Not a problem at all. Yeah. So So if you start losing your sight, you can get your free glasses, your dental checkups, things like that as well. And I have here that you had a will in place. Is that currently still up to date and accurate? Yep. Let's talk to them back here. Yep.","start_word":2580,"end_word":2706,"sentiment":"neutral","sentiment_score":0.09896683558000356},{"text":"Perfect.","start_word":2707,"end_word":2707,"sentiment":"positive","sentiment_score":0.582202136516571},{"text":"And do you have a power of attorney in place with that one? I don't think so. Oh, no. Maybe I'll just I can't recall. No. That's not a problem at all. Obviously, power of attorney is used generally in conjunction with anything that was to happen to you If you're incapacitated, Yep. Yeah. that someone Yeah. Yeah. can Yeah. make It those it might decisions. be my wife, but, you know, I don't know if that's the lab. I can't remember anymore. Yeah. Not a problem at all. And then within regards to this one, it's a little bit odd. I have a question, but you're not politically exposed to personal. You're not in politics. No. You're family in politics. Yeah. Not a problem. No. No. No. I don't. Yeah. I'm well watched by mostly watch, I suspect. No. There are very few enemies. Right. And then you're not a tax resident for any other country or jurisdiction at the moment? No. Perfect. Now as far as the goals that you're working towards at the moment, I know that you just wanna pay down the Mhmm. the house, really, and that was the sort of main sort of midterm goal, and you didn't, like, have sort of much else you work towards. That's sort of the same thing. You're just looking at paying down the house, enjoying your your time when you do get away for a holiday and things like that? Yep. That's it.","start_word":2708,"end_word":2953,"sentiment":"neutral","sentiment_score":0.0038577935192734},{"text":"Perfect.","start_word":2954,"end_word":2954,"sentiment":"positive","sentiment_score":0.528694748878479},{"text":"And then with the insurance, as I said, I was just touching on those. You do have the life and TPD, so the total permanent disability and life portion for around the 200 Okay. and 76,000 with how it's CPI'd Yep. up. Yep. Now, obviously, that covers for around about half the debt of your your primary resident plus, like, if you take up, like, your superannuation as well, then it covers a bit more than that. But there's no sort of income replacement for your occupation and things like that if were things to to go wrong, you're not able to work. Now are you currently happy with those cover amounts? Is that something you wanna Hey. review? Or I'll be back. Yeah. Sorry. I missed all that. I am driving through a mountainous road at the moment coming down the back of Warhawk. oh, no. No. Not a problem.","start_word":2955,"end_word":3105,"sentiment":"neutral","sentiment_score":0.007769162538430549},{"text":"So I I got I got, you know, half, you know, half my current loan is covered by my insurance, and I'm pretty happy with that.","start_word":3106,"end_word":3131,"sentiment":"positive","sentiment_score":0.3922852277755738},{"text":"That half the amount of the the loan with that Yep. 200 and Yep. 70 yeah. Exactly right.","start_word":3132,"end_word":3149,"sentiment":"neutral","sentiment_score":0.1110471487045288},{"text":"I I don't wanna give my wife a free ride.","start_word":3150,"end_word":3159,"sentiment":"negative","sentiment_score":-0.4886718690395355},{"text":"Yeah. Okay. Not a problem at all. And then with that, you don't have that income protection or trauma insurance. Now I believe you originally Yep. recommended the income protection, but didn't go ahead Mhmm. with it. Is that correct? Yep. Or That's correct. Yeah. Yeah. Yeah. And then with the the trauma side of things, obviously, trauma insurance is like that other lump sum payment. I just wanna touch on it, obviously, because it's been a while. In the event, you know, things Yep. like heart attacks, strokes, things like that, it Alright. is an Fine. out of pocket cost. No. Not a problem. No So happy problem. with your your current cover. Obviously, you don't pay Yep. too much for that given the level. So a bit under That's the 5 right. $100 mark, really. Yep. As long as you're happy with all that, that can remain the same. Like We your management. can look Yep. at the the superannuation side of things.","start_word":3160,"end_word":3324,"sentiment":"neutral","sentiment_score":0.010216493159532549},{"text":"As I said, the portfolio as a whole is doing quite well still. As a Mhmm. rate of return after fees, it's doing 9.34%, which is really still quite good.","start_word":3325,"end_word":3354,"sentiment":"positive","sentiment_score":0.4690547585487366},{"text":"Yep.","start_word":3355,"end_word":3355,"sentiment":"neutral","sentiment_score":0.25209730863571167},{"text":"The That is good.","start_word":3356,"end_word":3359,"sentiment":"positive","sentiment_score":0.461940199136734},{"text":"Yep. yeah. There was two underperformers within that. Now one of them was the cyber, and that was mainly due to the start of this year. All AI tech in cyber and all those sort of stocks have taken a bit of a a dive. But they have high conviction in that. They're coming back over the years, the time you have till retirement, maintaining that one. Mhmm. The other Yep. stock is Benelung. That is your actively managed fund. Now the end of last year, they had an asset that was made up as a significant portion of their fund that was done for not reporting correctly and their dodgy Okay. accounting. Yep. And then Yep. that's Okay. caused the fund to have to reevaluate the price of corporate travel given it was put on a trading hold in addition to Yep. the fact that with that as well, obviously, people lost some consumer confidence in the fund managers given that did occur. Now as an investment committee, like above me myself, they've decided to move away from Benelung. Now there is currently Yep. a loss with that and that what did occur. But in relation to that one, those losses that can offset future losses or capital gains with that. Yeah. Okay. I can clear it to that. Okay. Yeah. So with that, obviously, selling low and buying high is never ideal, but to stay in the investment that they don't have faith in to perform over the long term period is also bad. So they are looking at removing that and trading it for something alternative. Now you can look to go to a more passive, like, index like the rest of your portfolio and have just a lower cost investment that tracks the index, or we can replace it with an actively managed portion of that as Okay. well. Much like Benelung, it'll be like in the Australian market. It'll be like an alternative to Benelung. That was with the for an Australian equities managed fund. That still aims to outperform the market, and you will have a portion which is about 10% towards active investment Okay. Okay. So my current portion of mine my investment is 10%. This is the stand alone currently, is it? to to Ben Long. It's around 11.1 at the moment. And Okay. given the loss, it was around a $2,400 loss with that one. In terms of, like, overall performance, your portfolio including that still did, like, thirteen six in terms of growth, Yep. Okay. which is still quite a good return even given the level of risk that you do have. Now as I said, like, if the the hack was to come back as well, that would obviously improve that. The Benelon, we obviously wanna look at getting rid of. And, yeah, Yep. we can either look them replaced for the active portion, which does cost a little bit more investment cost wise, But you have the potential to outperform the market and do that a little bit better or in better long case, you also have the the down pitfalls of that where it can perform worse. Yep. Or you Yep. can look at Yeah. doing the more passive where you just pay a lower cost. You're happy to track the the indexes that back Yeah. along Yeah. with I'm one. Yeah. yeah. I'm getting this game. Okay. Alright. Would you prefer to, like, take the active approach or maintain, like, just a more passive moving forward? Yeah. Well, I'm I'm I'm happy to do that figured approach if it's just one extended line. That's it. That's fine. Yep. So it is like a satellite with that and you do have plenty of years unfortunately left Yeah. working Yep. before That's right. you can Yeah. retire. Yeah. So to have a little bit allocated to potentially outperforming the market is still Yep. a good thing if you're okay with that level of risk. Yep. Yeah. I'm okay with that.","start_word":3360,"end_word":4031,"sentiment":"neutral","sentiment_score":0.001603673810937575},{"text":"Perfect.","start_word":4032,"end_word":4032,"sentiment":"positive","sentiment_score":0.5692875385284424},{"text":"And then as far as any other goals that you're looking towards in the future, is there anything else that you're looking at updating or moving towards or anything you're looking to do? Nope. No. No. Nothing. I don't. I just managed myself.","start_word":4033,"end_word":4075,"sentiment":"neutral","sentiment_score":-0.011542696505784988},{"text":"Yeah. Great. So quite straightforward.","start_word":4076,"end_word":4080,"sentiment":"positive","sentiment_score":0.6292238235473633},{"text":"So as far as, like, we'll obviously have to provide a document. In the document, we'll just do the update for the investments and then show that sales act for you and Yep. what that looks like. As far as anything else, there's, like, there's nothing else that you want just in that in terms of, like, reviewing any sort of cash flow, budgeting, things like that.","start_word":4081,"end_word":4147,"sentiment":"neutral","sentiment_score":0.2087404429912567},{"text":"You're happy with your wife managing everything and Yep.","start_word":4148,"end_word":4156,"sentiment":"positive","sentiment_score":0.4916912019252777},{"text":"everything else? Yep. Yep.","start_word":4157,"end_word":4160,"sentiment":"neutral","sentiment_score":0.1710309386253357},{"text":"Exactly Right.","start_word":4161,"end_word":4162,"sentiment":"positive","sentiment_score":0.33860284090042114},{"text":"that. Not a problem at all. I will just jump in and do a quick risk profile just to Mhmm. make sure that it does line up with what we currently got you invested in. It'll just be those quick questions I'll run through there with you. Okay. Bear with me. It's just loading up there.","start_word":4163,"end_word":4218,"sentiment":"neutral","sentiment_score":0.1812949031591415},{"text":"Perfect.","start_word":4219,"end_word":4219,"sentiment":"positive","sentiment_score":0.5249237418174744},{"text":"Now as far as the most aggressive investment, if you haven't done any direct share investing at the moment, No. Not a problem. And then within regards to investing and risk taking, do you still consider yourself more on the very high end of, like, risk taking and taking on that level of risk for returns? Or Maybe or I ever did. okay. Not a problem. Would you consider yourself to be more of, like, a moderate risk taker then or sort of on that a little Yeah. bit of I'm a higher on it. end of moderate? Yeah. Moderate. Restage is fine. Yep.","start_word":4220,"end_word":4323,"sentiment":"neutral","sentiment_score":0.04233771935105324},{"text":"Perfect.","start_word":4324,"end_word":4324,"sentiment":"positive","sentiment_score":0.5042871236801147},{"text":"And then if you super did take a bit of a dive, would you be concerned at all in the event that it did take a a dive? Well, then what's your definition of a dive? Like, if it dropped by, like, 20% and your portfolio was sitting at that 20% loss over a six month period, would you wanna be looking at changing up investments? Would you just hold and wait for that to come back or No. even Depending on the advice that comes through on it. Do you ask whether it is the investments that, you know, cause losses were mismanagement or whether they were just market trends. You know, I'd have to review it. yeah. If like, say if it was just market trends, like, another COVID period where everything Then took a bit normally, of a like, at this stage, you've been over twenty four, twenty five years of me working at least. Yep. Now I'd I'd wait it out. I won't be too concerned. I won't panic. Yep.","start_word":4325,"end_word":4498,"sentiment":"neutral","sentiment_score":-0.1044861041009426},{"text":"Perfect. Understandable.","start_word":4499,"end_word":4500,"sentiment":"positive","sentiment_score":0.5172741413116455},{"text":"And then as far as, like, your returns and what you're trying to get over the long term, would you be happy if you're getting, like, sort of 8% and above? Yep. Perfect. And then with like, when you said we did take a bit of a backward step during COVID times, did that make you concerned at all? No. Not really. I saw it helps. You know, I saw the trends. I saw the performance. It's fine. Yeah. Right. And then within regards to borrowed money, you do obviously have the home loan, but would you ever put borrowed money into any other things else like an investment property in the future or a shared portfolio given if you'd, like, paid off your your debts? Yeah. If I paid off the debt, yeah, but the debt's, like, thirty years. So I was gonna know it's twenty years ago. Yeah. No. No. Understandable. So not in any time soon, but you're sort of comfortable with borrowed money and sort of the risk of that. And if you did have the the means and, like, a little less debt, you'd probably take on some risk with some borrowed Mhmm. money for whether it be, like, an investment property or, like, stocks or shares portfolio.","start_word":4501,"end_word":4713,"sentiment":"neutral","sentiment_score":-0.02280711773520624},{"text":"Yep. Perfect.","start_word":4714,"end_word":4715,"sentiment":"positive","sentiment_score":0.5600916743278503},{"text":"Now in regards to that, you have come out still as a growth investor, which is about that $80.20 split in terms of 80<unk> growth assets, about 20<unk> defensive, which is still adequate for your time Mhmm. frame. You could even look to take on more risk if you you wanted to.","start_word":4716,"end_word":4769,"sentiment":"neutral","sentiment_score":0.1937671005725861},{"text":"But in in saying that it's more than appropriate and it's performing quite well even compared to some high growth portfolios as well, if you are still Fantastic. happy with that.","start_word":4770,"end_word":4800,"sentiment":"positive","sentiment_score":0.4023847281932831},{"text":"Yeah. Yep. Right. Yep.","start_word":4801,"end_word":4804,"sentiment":"neutral","sentiment_score":0.18135330080986023},{"text":"Very happy.","start_word":4805,"end_word":4806,"sentiment":"positive","sentiment_score":0.5123987197875977},{"text":"Not a problem at all. Now the last thing I will do there, Kendall, I was supposed to send it to the start of the call, but, generally, because you're driving, you can't look at them anyway. But this will just be your annual review pack. So what this call contain is a new copy of the financial services guide, a little index chart to show you, like, markets over a long term period and why we are those long term investors, Mhmm. A fee disclosed statement of the fees you did pay. Now because it's been so long since you had your interview, the fees actually did turn off. Now it Oh, will okay. document, like, Mhmm. an ongoing service agreement to turn those back on if you were happy to stay for another twelve months. Obviously, Yep. you know, you got a discount. We're not gonna call back any of those fees or anything like that. You've just got a discount Mhmm. for that period, which is happy days. And then it will have a copy of your asset performance and then also your Telstra good of currency as well. The other few documents there is a TFN opt in form, so your tax file number, where we're storing that's been updated. So that'll just be an updated form on Okay. where we'll be storing that form, and then a a lost super search form. So that gets sent off to the ATO, and it just looks out there if you've got any lost super or any other funds that we're unaware of, and that normally takes six months to a year to come back anyway with the ATO. Yep. So Yep. Of course. that'll be everything in that document sent, and it'll be via OdooSign. I know if you've DocuSign previously, so a little bit different. It comes in an email still. You'll have your attachments as separate attachments within the email, and there'll be a link to those signable documents that OSATFN and the lawsuit for research form. Okay. Yeah.","start_word":4807,"end_word":5148,"sentiment":"neutral","sentiment_score":0.0548807938218291},{"text":"That's fine. Great.","start_word":5149,"end_word":5151,"sentiment":"positive","sentiment_score":0.433272123336792},{"text":"Do you have any questions in regards to those documents or what's being sent out or any questions No. regarding? No. Not a problem. No questions regarding, like, the your fees, what you're currently paying, anything like that? No. No questions. I'll go. But yeah. No question. No problem. And just double checking too. Your partner is not a client with us. Correct? She's not. No. Yeah. They have, at the moment, still going a coupling Yeah. fee, which can drop your your ongoing down if they were. Now I'm not too sure what your partner does or what her finances look like or Yeah. if she even She wants a review. But no. She's I I I spoke with her before, but she actually has her own broker who's now acting on her behalf and doing quite well.","start_word":5152,"end_word":5290,"sentiment":"neutral","sentiment_score":0.05075982958078384},{"text":"So she's quite happy.","start_word":5291,"end_word":5294,"sentiment":"positive","sentiment_score":0.49370211362838745},{"text":"not a problem at all. Mhmm. Anything changed in the future, feel free to reach out. I'm not too sure Of if course. the the coupling fee will be going forward, but it is a free consultation Mhmm. anyway. So whether that's friends or Yep. family, I believe even they've still got the referral bonus going. So even if someone comes on board through your referral, I think you do get a $100 gift card still. So Mhmm. Alright. you mention it to anyone. Make sure they mention your name. Just as a reminder, you might still get the the gift card out of it if someone was gonna come on board through your referral anyway. But not a problem, Kendall.","start_word":5295,"end_word":5415,"sentiment":"neutral","sentiment_score":0.1340022793978699},{"text":"Thanks for your time today.","start_word":5416,"end_word":5420,"sentiment":"positive","sentiment_score":0.7132086157798767},{"text":"Otherwise, I'll let you get back to it. Yep. Alright.","start_word":5421,"end_word":5430,"sentiment":"neutral","sentiment_score":0.2443394958972931},{"text":"Wonderful. Thanks, Paul. Perfect.","start_word":5431,"end_word":5434,"sentiment":"positive","sentiment_score":0.7099184989929199},{"text":"We'll probably be in touch in sort of, you know, a few weeks Yep. or maybe Yeah. closer Yep. to a month given that it's not too dire. With the way things are going, if anything, your Benelon might come back a little bit in that time frame, but we'll Okay.","start_word":5435,"end_word":5485,"sentiment":"neutral","sentiment_score":0.1789751797914505},{"text":"do the that update and get that document to you. You're brilliant. Alright. Wonderful. Thanks, Carl.","start_word":5486,"end_word":5501,"sentiment":"positive","sentiment_score":0.5417924523353577},{"text":"Too easy, Kendall. If you don't have anything for me, I'll let you get back to it. No. That's it.","start_word":5502,"end_word":5521,"sentiment":"neutral","sentiment_score":0.015996336936950684},{"text":"Too Thanks so much. easy. Thanks for your time.","start_word":5522,"end_word":5530,"sentiment":"positive","sentiment_score":0.5177666544914246},{"text":"Bye now. Alright. Goodbye.","start_word":5531,"end_word":5534,"sentiment":"neutral","sentiment_score":0.2515600025653839}],"average":{"sentiment":"neutral","sentiment_score":0.0492402633041423}}}}