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We can always reschedule for a more suitable time if you're a bit busy right now. That's no problem. No. Probably a twenty minutes or so. Yeah? Okay. Well, I'll try to make it quick for you. But before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please? Yep. Beautiful. That's exactly what I have here. Now before I do kind of jump into things, I do like to start by asking if there is anything specific you would like me to address today or any particular questions or just a bit of an update and see where everything's at? Yes. How mhmm. Whitlam. I'm sorry. Okay. That's okay. We can have a bit of a chat to the day. And if you know how much you wanna put in, I would say absolute latest, try to have it done by Wednesday and next week the latest just so it gets into your Netwealth account early enough for them to process at this financial year because they get quite booked out or blocked out at this time of the year with kind of everyone wanting to do the same. So do you remember how much you wanna put in? I know, obviously, you've spoken to your accountant and stuff before and had last time a bit of a figure in mind. Two grand? Yep. Alright. Yeah. I mean, it all makes a difference because at the end of the day, you put in 2,000 in. The downside is it is locked in through your immediate condition of the lease. So, obviously, be mindful of the money you put in is restricted, so you can't access it if until you turn 60 or stop working turn 60 and stop working. So just be mindful of that. But if you do have the spare cash, you don't need it, then it is a great way to boost your super further in a very tax effective way. Because how you do put it into into superannuation because it's from your bank account, it's after tax contribution. But with that NOI is how we can then change it through a pretax contribution, which is where you do get a little bit of that tax saving, which I think is what your accountant kind of went through with you as well briefly. Does that ring a bell? Correct. Yeah. So, yes, called notice of intent. So, basically, from your point of view, you would just put it in from your bank account into your super. You would let us know when you've done it, And then I will get with Lamb to send you the form through process and change it. And then, basically, you will get a certificate of currency afterwards, and you will just provide that to your accountant when you do your tax return. And then they will do all their stuff in the back end for you. Yes. So you would yeah. You would do it straight from your account. Now you need specific information. So Whitlam sent you an email on the April 14, so let me know if you don't have access to it. And that had your account details. So you can do it via BPAY or direct transfer depending on works what works best for you. So if you just, for example, wanna do BPAY, you just go into your bank mobile and do BPAY. It has the biller code and reference number already listed there for you, and then that's basically how you pay it. You would just let us know that you've done it, and then Whitlam will do all the paperwork and everything needed in the back end there for you. Yes. Yep. Perfect. Just an email or quick phone call, whatever's ECS email is perfect. Just to say, hey. Just put a bit of contributions in. Can I please make a a notice of intent to claim, or could you please help me just you can just put NOI? I know what it is anyway, so I'll keep a lookout for that email. And then with land, we'll send you a form to sign, and then we will authorize that change for you. Mhmm. Taxable income. Yes. Yeah. Exactly. So that's how it saves a bit of tax. So, obviously, on the 105, you would pay a lot higher tax rate on it than through super. So through superannuation, you only get taxed at 15% versus if your income is a a 105, then you get taxed at 30%. So, basically, that 15% difference is what then makes that difference on the the 2,000. Does that make sense? Yep. Yep. So everything that you can put in does make a difference and, obviously, contributes to your super and retirement at the end of the day. And the accountants do like it as well because you do get they can help balance that a little bit from the tax when they do the tax return. And, yeah, that's how it makes the biggest tax saving. And your income is still around 105. Is that right? Yeah. Is that okay. Perfect. Because I also wanna make sure you don't exceed any cap spaces. I don't think so with the 2,000, but I'll just wanna triple check. So a 105. Now employer still pays 12% contribution into super. There hasn't been any, EBAs or changes in regards to that. Okay. And do you know when that will take effect? Will that be next financial year? It takes away a lot now with the government. Right. Mhmm. Sure. That's okay. Yeah. Of course. Take your time. No. That's okay. I have a lab. So I know. I know. Yeah. Mhmm. No. They're they're quite vocal. So I get it. No. That's okay. Mine gets mine gets protective when the mail comes as well. So yep. That's that's all good. So, yeah, EBA, no changes anyway, though, just financial year or any immediate. Mhmm. Mhmm. Mhmm. Okay. Contributions or just pay? Okay. Mhmm. Okay. Okay. Okay. And salary sacrificing, are you still doing about a $100 a fortnight, or have any of that changed? Okay. Alright. Perfect. Now let me just check that here for you. Oh, yeah. So you still have plenty of space, which is good. Sorry. At the moment, because how the app pretax contributions work, there is a cap space each financial year. So for this financial year, it's 30,000. It is going up next financial year. But for this financial year, it is 30,000. That includes employee contributions and salary sacrifice contribution as well as the contributions you are looking at making tax effective. Now at the moment, you have about 15,223, so you do have plenty of space for the 2,000 if you wanted to do that. So if you wanted to do a lot more, like 15 or something, I'll say, oh, just just let me run the math for you. But two is perfectly fine for you to do. Okay. Yes. No. And you can do it whenever you want to as well. The the NOI, you get back at tax return. That's what a lot of people do it kind of around now because, obviously, you get it back quicker. But even if you were to do, let's say, two, and then throughout next year, you were like, oh, I have a little bit more. Like, you can you can put in throughout the year. Yeah. The reason that most people do it closer to the financial year is that you get a back sooner, basically. Yep. Yeah. Let me see here. It says '14 on the fourth, and it was from, I think, servicing@ocfinancial.com.au or from Whitlam. But I can always get him to resend it to you today it's at the top of your inbox if you would like. You got it? And does it have mhmm. Yes. So then you have all the information there that you can put in how much or little you would like. Literally. Correct. Send it to us. Yes. You can send it back to that email because Whitlam is my kind of administration assistant, so he will liaise with me. So he will if you just respond to that email, that's fine because then I get all of those as well. Yep. It is nice. It is really handy at times. No. That's too much. I wouldn't do that. It's helping it's helping with work. I think I'm pretty nice. But, no, he he's he's he's good. So, yeah, he will he will handle all that, but let me know how it's all going. But, yeah, you can definitely do 2,000. Like I said, the the only thing to be mindful of is, obviously, it's locked in. So just make sure you whatever you put in is money you don't need anytime soon. You will later, but just not right now. Who who knows? It seems that, anyway, at the moment, a lot of people think you have to wait till 67, but that is just eight pension if you're eligible for it. You can with the current legislation, if you decide that you wanna retire, you can access everything tax free at 60. Yep. So everything tax free, if you decide when you turn 60, you go, no. I wanna retire. You can take everything tax free from super. Most people, yeah, think they have to wait till 67, and that is just age pension. So if you do decide you turn 60 and you go, woo hoo. I wanna take everything. That's fine. Just be mindful then that age pension doesn't kick in until 67 that it needs to last until age pension. Or a lot of people, what they do at 60, if you wanna, like, go down to part time, is that you reduce your hours a little bit and draw a bit of an income from superannuation under a transition to retirement strategy, which is very tax effective, which we can obviously look at when when that comes into play, which is where you can draw some money from super tax free, doing some contributions into super if you're still working, and basically end up with the same income at the end of the day. So it's basically designed for where you are then kind of literally transitioning into retirement. So you still wanna work. You just wanna reduce your hours, but obviously need the same amount of income to cover bills and expenses and stuff like that. Yeah. So but, yeah, otherwise, 60 if you stop working. Yeah. Now other changes. So I'll just go through the bit of the fax on here and see if there's anything else that's changed for you. Personal information, I have you down here as in a defector relationship with no financial dependent. Is that correct? Oh, financial dependent as in, like, kids that lives at home. No. Yeah. Yeah. No. Perfect. Occupation wise, we've already gone over your income, but has your role or anything like that changed or still doing the same thing? Yeah. What are you so are you still working for the local government council, just doing something different? Yeah. Just need a little change. Mhmm. Mhmm. Okay. Okay. Okay. If anything change Yeah. Yeah. Just let us know if you need any information or if we need to reassess anything there for you. Asset wise, your property I have here was last died at about 07:50. Is that still kind of the case? Would you know if that went up a little bit? Oh, wow. Is that fairly similar to yours? Do you know? Mhmm. Mhmm. The same? Okay. And about 90 yeah. Perfect. And about 91 owing on the mortgage. 80? Oh, nice. Change that. Current 80. Okay. Perfect. And do you own a motor vehicle or a boat or motorbike or anything? Nope. Ah, yes. Perfect. And I also have here investment share. It's about 25,000. Better fluctuations. Yeah. Yep. Perfect. Any other changes to your assets in the last twelve months? Any other new assets or liabilities or anything we haven't gone over? Okay. Is that just gonna savings in the bank at the moment, or is that going to the mortgage? Yeah. Yep. Perfect. Otherwise, health and lifestyle wise, still a nonsmoker? Perfect. And any changes significant changes to your health? Any issues or injuries or anything? Okay. That's that's a good change. Oh, beautiful. And are you enjoying it? Yes. Mhmm. Oh, wow. That's great. Wow. Because putting on that much much muscle is hard because, obviously, muscles weigh more than fat as well. So it's like putting on that muscle while still, you know, getting healthier, that's a very good achievement. Exactly. Mhmm. Converted. Mhmm. Yeah. That's perfect. Yeah. And it's good to do it's good to do those scans as well because it does give you motivation because sometimes if you if you keep going and going and, you know, yeah, you notice if you put more weight on, so you obviously get stronger. But it is nice to do the scans every now and then to see, like, actual other changes because sometimes on a daily, you you you see yourself all the time. So it's sometimes harder to notice the changes, so this scan's like a nice little check-in. Oh, yes. Yeah. Yeah. Yeah. Oh, that's good. Well, that's a really good really good to hear. And estate planning wise, do you have a will or anything like that in place? No. That's all good. I'm sorry. If you don't have a will in place, it will obviously go through, like, the system and through the termination of who are potentially most suited for it. So they can obviously decide who they think have the highest right to your assets. So it is good to have because in the event that someone try to contest anything, sometimes straightforward, it can just go to the partner, but that's not always the case. So because sometimes, unfortunately, when people do pass away, sometimes it doesn't bring out the best in people at times. So there can be instances with someone else decide to contest it to be like, no. You know, x y zed, I want access to this and this and this. So having a will in place just means that certainty for you that if something were to happen, you have stipulated that legally you would like this to go to this person or multiple people or split it however you want. So it just provides you with, yeah, more certainty in regards to that and and eliminates someone else trying to come in and take your assets, essentially, if that's not who you actually wanted to go to. And and do you guys have somewhere local that you you know that you could get it sorted through, or do you need some information regards to someone? Yep. Mhmm. Mhmm. Yeah. And that is perfectly fine. Sometimes people prefer that. Yeah. Straight away. Yeah. Now the good thing as well with so with your estate super and insurances, it does not form part of the estate. So that is separate. Now if there is no valid nomination in place, it will go through the estate, but you have valid nominations in place. So that wouldn't fall form part of the estate. So if something were to happen, I have everything going to Anne at the moment at a 100%. So that would straight go to her anyway. So people can't really contest that. So that's good. Yeah. Okay. Yep. Mhmm. Yeah. So then it's hard. Yeah. Yeah. Right. Yeah. It doesn't. Yeah. Yes. Okay. Yeah. And so you would know firsthand with Will and contesting and experiences and yeah. It's it doesn't it's not a great thing. Very messy. Sorry. We wanna make sure we have Yeah. I'm very grateful. Mhmm. Yeah. Yeah. Yeah. Yeah. No. And I hear it all the time. It's all the time. And we obviously because we obviously manage your super and insurances, we see it from that point of view as well, which is why we stress the importance of having nominations, which you do now, which is great, in place. So those people who don't and it's obviously something would've happened. The amount of people that can call and trying to get anything, it's it does not always bring out the best in people, unfortunately. So, yes, it's very important to have have it all in order. And at least you have, like I said, the the super and everything sorted, and then it would just be, obviously, the will when you have a moment to have it to have a look at it. Depends on how you guys have it structured. So there are different ways you can have it structured. So you can have, like, tenants in common or joint tenants. So there's different ways you can have it structured. But, basically, tenants in common is basically where you have one portion and she has one portion, and your portion can give through whoever you want. So if something were to happen, let's say you own 50%, you can then say, okay. Well, if something were to happen to my I want my 50% to go through x y z. But, otherwise, you have, like, a joint tenancy, which is more common, and that is basically where you have fifty fifty ownership. And then if, let's say, you would have passed away, it would automatically go through the other person, etcetera. Oh, that's it's it's a lot to do. We have to do a lot of studies. But but yeah. It's but, yeah, your if you do speak to a lawyer as well, they would be obviously the best pass person in regards to all of this and to make sure it. But, yeah, most of the time, people have that joint tenancy agreement. Yeah. Yep. Perfect. Now, otherwise, obviously, aside from the world, doing some renovations, doing a bit of extra contributions to Sousa, is there anything else that you guys are working towards, or that's kind of your main point at the moment? Yeah. Yeah. That'd be nice. Oh, yeah. Now do you have access to your emails at the moment or not really right now? Yes? Okay. Perfect. So I have sent you an email with some documents. Just same as last time, just a bit of an update on everything for you. If you can access that for me. We have recently changed the software as well, so it can sometimes end to stem. Alright. Mhmm. Yep. Okay. Probably around that. Yeah. I have here from from your yeah. Exactly. I have here a $100.91 per fortnight from your transaction. So alright. Perfect. Now to make it easier for you, what order can you see the documents? Sure. And it will ask you to click on the link where it's assigned documents, but it will allow you to open up everything and look at it first. Yes. Yes. Yep. Yes. No. Sorry. If you click on the link, it will actually allow you to look at everything first, and the documents will be your your super and your investments and everything like that. Only at the end will it ask you to sign if you're happy to do so, but you can see everything first. So can you see that super in insurance summary? Is that the one you're at at the moment? Yes. Beautiful. Yeah. Correct. Yeah. Perfect. So, yeah, you can see here that you obviously have your super network. You can see your balance there at the moment as well. And underneath that, you also have your insurances with TOW. So you have your life and total permanent disability insurance of 525,000 paid from within Netwealth. You don't pay for it out of pocket. And after tax, you pay 2,360. Do you still have to do with that level of cover for life and TPD? Yep. Perfect. It would obviously pay out the mortgage if something were to happen, cover your loss of income for quite some time or, you know, any medical expenses or anything that you might need. Now the next document, is that your asset performance detail with Netwealth? Yep. Now this one can look a little bit messy, but that breaks down all your individual investment. So, obviously, like you touched on as well, the last twelve months have seen a little bit of fluctuations in the market. Obviously, you had everything going on in The US with, obviously, Trump and and everything, and more recently, everything with the war. So we've quite seen a bit of a mixed result of your investment. Now you can see here on the second column to the right where it says return percentage, you can see each and every single one of your investments individually outlined. So you can see here that gold, for example, was up at 17.84%, which is pretty crazy. Now the Benelon Australian Equity, do you remember getting an email around March in regards to an investment switch? It wasn't anything you had to sign. No. That's all good. Basically, what that email was is that the investment committee do research on the investments all the time to make sure that we always have you in the best position possible because there are things that's always changing. So we do wanna make sure we are very proactive with it. At the same time, you don't wanna necessarily sell while things are down. If we if it's just a bit of a cyclical trend, then we foresee things coming back around. But at the same time, if there are a bit of kind of underlying lagging of the investment and we foresee it not being the best option moving forward, we also wanna make sure we change things into a more suitable option for you. So what's that one investment? Which you can see here actually that that was the only investment that was down in your portfolio over the last twelve months. You can see that that was down quite a bit, the Benelon Australian equity, and that was changed for your BetaShares Australia 200. So because we changed an Australian equity investment, they wanted to make sure that they swapped it for another Australian option because we wanna make sure things are very diversified for you. We don't want everything just in The US or everything in, you know, emerging markets. We wanna make sure we keep things diversified. But the BetaShares Australia 200, it is a little bit more simplified because it invests in the 200 largest companies listed in Australia on the ASX. As the company grows, gets bigger, it gets added to it. And as the company gets smaller, it kind of comes off. So it's a little bit more stable than the Bennelong investment because that is a managed fund. So that one, we're actively buying and selling different investments in order to try to outperform the market. They had done really well, which is why it was added to your portfolio in the first place, and it was a very strong investment. But a little bit more recently, it's been a little bit slower with making the investment decisions. And another reason to why things were down a little bit for them was that one of the investments that they had in their portfolio was the corporate travel group. I'm not sure if you heard anything on the news or anything with that, but they had a bit of issues with their reporting and that company. So it was actually suspended from trading for a while. So that kind of saw things, yeah, come down for Benelon. So that was what that switch was. So moving forward, you should see a little bit kind of smoother, with not having Benelon in your investments and, obviously, overall, a little bit more of an improvement as well because that was kind of the only one that the investment committee and everything researched that we wanted to change. And you can see here on the document that that was the only one that was underperforming for you as well. Does that make sense? Yes. Yep. Beautiful. No. It's still very much going in the right direction. And we do have you invested in your growth portfolio. So are you still happy with the level of risk and everything like that for a growth investor, or has anything changed for you? There there are a couple of different factors. So one of the thing is time frames to retirement. Obviously, the more actually, the next document is that a Vanguard index chart that you can see in front of you? Like a red graph? Yes. Yeah. Beautiful. Perfect. So we've one of the things we do factor in of making sure is that time frame. Now the the higher growth components you have to your portfolio, over the long term, you're gonna get the most amount of growth. So that's ultimately what we want. But we also wanna make sure that you have enough time in the market for those fluctuations. So that is the first thing we look at. Now in a growth portfolio, we typically want to allow six years until retirement. So at the moment for you, obviously, you can't access super until 60. So it is a good position to be in when we are looking at a time frame. So, basically, what you can see on the chart in front of you is those ups and downs of the market. So you can basically see here it is a good visual representation. So you can see from 1995 through to 2025, and Vanguard updates this yearly as well, which is good every financial year, so the new one should come out soon. And you can see that long term market always goes up. So, typically, the younger, obviously, we are, the more likely you see people in your your higher growth options or aggressive options because you have all the time in the market for that to come back around. But the closer you get to retirement and that some people then wanna start gradually reducing that risk, because if you wanna access your money tomorrow, you don't want that to be a massive dip at the same time. So the first thing is time frame. The time frame in a growth portfolio is suitable for you, so that gives you about six years. The other thing we look at is what you are comfortable with. So it's also making sure that you are comfortable with short term fluctuations because it's not all just, like, from a numbers point of view, most clients in a similar age to yourself, I see in that growth portfolio because they don't wanna access super through 60, 65, or 67, and they do wanna focus on controlling their super. So from that point of view, it is a good portfolio for you. But then on the other side, I sometimes like, I could have a a seven year old who goes, oh, no. I want high growth. I just wanna grow it as much as possible, and I don't really care about fluctuations. But at the same time, I have a 20 year old who says, no. I'm not comfortable with any fluctuations even though I have so much time until, like, an access message that I do not feel comfortable with it. So it's kind of, like, multiple things. So time frame wise, growth is great for you, but it's also where you are comfortable with. Are you still comfortable seeing a bit of short term fluctuation in order to grow it? Yep. And just so you know as well in, like, kind of the scale of things, we typically have through your your highest risk is we have an aggressive plus investment option, which is basically where you're borrowing money, doing a lot of gearing and stuff. You then have aggressive. You have your high growth and then your growth, which is where you are at currently. And then we have your your balance growth, balance, and defensive. So you are kind of somewhere right in the middle with things. And what that also looks like from an asset allocation point of view is what you can see here on the graph is your growth investments typically have about 80% in this, and that is the top four. So you can see US shares, which is, like, your light green one. You have your Australian shares, which is, like, your dark green one. You have your international shares, which is, like, your yellow line, and then listed property at that kind of maroon color as well. So you can see that these are the ones that grow the most, but also fluctuate the most. And then we do have about 20% in those bottom three. So that is, like, your cash, your gold, your fixed interest, which you can see are a little bit more stable. They don't fluctuate as much, but they don't grow as much either. Does that all make sense, Eric? Yep. Beautiful. And, obviously, as every every under review, we kind of review things for you. But time frame wise at the moment, it's still a good position with the growth one. And, obviously, the closer you get to retirement, we can then start to look at reducing things slowly for you if if you wanted to. Great. Now what is the next document that you have there? Yep. Beautiful. That basically just breaks down your tile insurances in a bit more detail, but basically lets you know that's all paid and up to date for you. And then what's the next one you have? Yep. Perfect. Now you would have seen this one. Every annual review is one of those compliance documents. None of the important information has changed. It's all in there for you. But if you do have a bit of a scroll through it, you will see that we've had a bit of a bit of an update to our marketing. So a bit more updated photos of everybody, of the team, director's advices, and also a bit of an extension to the team, which is great. So after you scroll through, you will see myself again on page 10 if you do wanna put a face to the voice. Yeah. Thank you. So, yep, sometimes it's nice, obviously, when we do speak over the phone for people to actually know who they're talking with as well. Yeah. Now the next document, there should be two more, and one is your ongoing service agreement with Netwealth. Can you see that one? It should say consent to ongoing fee arrangement. As you scroll through, yeah, at the end of that document, there should be the next document. Yes. That's the one. So this is the one if you're happy to do so that it will ask you to sign, and it's the same as last year. It's just an ongoing service agreement. The fee stays exactly the same, so there is no changes to the fee structure. It stays exactly the same at 1.65 from super. And after last time, it is not a lock in contract. So about any time you are not happy, it is not a lock in contract. But this lets us service your account and manage your investments and everything for you in the meantime. Yep. Beautiful. And is there one more document they ask you to sign after that? Yep. Okay. Perfect. That was probably everything. Sometimes they will ask you to sign, like, a tax file number form, but you would have saved signed that last year. So that's good. So that was all the documents that we needed to sign. So if it's just validating oh, yep. Beautiful. I can see that's already come through on my end, so thank you so much for that. I will let the team know. We'll get that all authorized. Let us know as well if you do make that contribution. Just respond to the email, and Whitlam will let me know, and then we'll process that notice of intent for you as well with those contributions. Yeah. Yeah. Yeah. We'll we'll do it. Yeah. And then we'll we'll do everything, and then we'll just literally send you a document at the end. And you just take that with you to your account when you do your tax return. Yep. No worries. No. I know that was a little bit longer than the twenty minutes there, so thank you so much for your time. Yeah. No. No problem. Yes. I like to. Oh, that's good. I'm glad. Yeah. Yeah. Yeah. Yeah. Okay. Well, he's not with us at the moment. He he left, so he's no longer here. And yeah. Obviously, every every adviser works slightly different, but I'm very much well, it's like, I don't wanna push anyone. That's not what I'm here to do, and I wanna make sure that you are fully informed at the end of the day. And sometimes there's people that want everything in detail and sometimes people don't. But, you know, I would rather explain everything as much as I can and go through things because, like you said, it is once a year. Obviously, if you do ever want more catch up, just let us know. If there's ever any questions or anything else that you need, just let us know. It's all part of the service. If you do want a bit more frequent catch up, but otherwise, it is that yearly review where we go kind of through things in a little bit more in-depth as well. Yep. Yeah. Yeah. Yeah. Oh, I'm glad. More information. Yeah. Yeah. Oh, that's great. I'm glad. And that's also part of the job as well is to kind of help educate you at the end of the day and making sure, you know, everyone understands everything. So I'm I'm really glad that you find it very helpful and knowledgeable. That makes me really happy as well. So thank you for that. Oh, thank you. Yeah. That's good. Yeah. But if you yeah. Perfect. Oh, I'm glad. But like I said, if there's anything you need at any point in time, you have our email address, send us an email or or give me a call. Like I said, I'll keep a lookout for that email as well, and I will let Whitlam know through I expect that email in the next couple of days, and we'll get straight on to that for you. But, otherwise, thank you so much for your time today, Derek, and I hope you enjoy the rest of your day. Yes. Yeah. We're up on the Gold Coast. Oh, it's raining today, which is a bit miserable. Still fairly warm, but it's a bit rainy, a bit wet. Oh, yeah. Thank you so much. You enjoy the rest of your day. Yeah. Mine hates it in the rain. Oh, yeah. You get a bit of exercise. Yep. Yeah. Yeah. Well, I will let you go and enjoy the rest of your day there, Derek. Like I said, anything you need at any point in time doesn't have to be around review time. You just let me know. No problem. We'll speak soon. 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afternoon, Derek. This is Veronica from Mercy Financial. How are you? Can you hear me okay? That's okay.\n\nYeah. Good. How are you? That's good. That's okay.\n\nWe can always reschedule for a more suitable time if you're a bit busy right now. That's no problem. No. Probably a twenty minutes or so. Yeah?\n\nOkay. Well, I'll try to make it quick for you. But before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please?\n\nYep. Beautiful. That's exactly what I have here. Now before I do kind of jump into things, I do like to start by asking if there is anything specific you would like me to address today or any particular questions or just a bit of an update and see where everything's at? Yes.\n\nHow mhmm. Whitlam. I'm sorry. Okay. That's okay.\n\nWe can have a bit of a chat to the day. And if you know how much you wanna put in, I would say absolute latest, try to have it done by Wednesday and next week the latest just so it gets into your Netwealth account early enough for them to process at this financial year because they get quite booked out or blocked out at this time of the year with kind of everyone wanting to do the same. So do you remember how much you wanna put in? I know, obviously, you've spoken to your accountant and stuff before and had last time a bit of a figure in mind. Two grand?\n\nYep. Alright. Yeah. I mean, it all makes a difference because at the end of the day, you put in 2,000 in. The downside is it is locked in through your immediate condition of the lease.\n\nSo, obviously, be mindful of the money you put in is restricted, so you can't access it if until you turn 60 or stop working turn 60 and stop working. So just be mindful of that. But if you do have the spare cash, you don't need it, then it is a great way to boost your super further in a very tax effective way. Because how you do put it into into superannuation because it's from your bank account, it's after tax contribution. But with that NOI is how we can then change it through a pretax contribution, which is where you do get a little bit of that tax saving, which I think is what your accountant kind of went through with you as well briefly.\n\nDoes that ring a bell? Correct. Yeah. So, yes, called notice of intent. So, basically, from your point of view, you would just put it in from your bank account into your super.\n\nYou would let us know when you've done it, And then I will get with Lamb to send you the form through process and change it. And then, basically, you will get a certificate of currency afterwards, and you will just provide that to your accountant when you do your tax return. And then they will do all their stuff in the back end for you. Yes. So you would yeah.\n\nYou would do it straight from your account. Now you need specific information. So Whitlam sent you an email on the April 14, so let me know if you don't have access to it. And that had your account details. So you can do it via BPAY or direct transfer depending on works what works best for you.\n\nSo if you just, for example, wanna do BPAY, you just go into your bank mobile and do BPAY. It has the biller code and reference number already listed there for you, and then that's basically how you pay it. You would just let us know that you've done it, and then Whitlam will do all the paperwork and everything needed in the back end there for you. Yes. Yep.\n\nPerfect. Just an email or quick phone call, whatever's ECS email is perfect. Just to say, hey. Just put a bit of contributions in. Can I please make a a notice of intent to claim, or could you please help me just you can just put NOI?\n\nI know what it is anyway, so I'll keep a lookout for that email. And then with land, we'll send you a form to sign, and then we will authorize that change for you. Mhmm. Taxable income. Yes.\n\nYeah. Exactly. So that's how it saves a bit of tax. So, obviously, on the 105, you would pay a lot higher tax rate on it than through super. So through superannuation, you only get taxed at 15% versus if your income is a a 105, then you get taxed at 30%.\n\nSo, basically, that 15% difference is what then makes that difference on the the 2,000. Does that make sense? Yep. Yep. So everything that you can put in does make a difference and, obviously, contributes to your super and retirement at the end of the day.\n\nAnd the accountants do like it as well because you do get they can help balance that a little bit from the tax when they do the tax return. And, yeah, that's how it makes the biggest tax saving. And your income is still around 105. Is that right? Yeah.\n\nIs that okay. Perfect. Because I also wanna make sure you don't exceed any cap spaces. I don't think so with the 2,000, but I'll just wanna triple check. So a 105.\n\nNow employer still pays 12% contribution into super. There hasn't been any, EBAs or changes in regards to that. Okay. And do you know when that will take effect? Will that be next financial year?\n\nIt takes away a lot now with the government. Right. Mhmm. Sure. That's okay.\n\nYeah. Of course. Take your time. No. That's okay.\n\nI have a lab. So I know. I know. Yeah. Mhmm.\n\nNo. They're they're quite vocal. So I get it. No. That's okay.\n\nMine gets mine gets protective when the mail comes as well. So yep. That's that's all good. So, yeah, EBA, no changes anyway, though, just financial year or any immediate. Mhmm.\n\nMhmm. Mhmm. Okay. Contributions or just pay? Okay.\n\nMhmm. Okay. Okay. Okay. And salary sacrificing, are you still doing about a $100 a fortnight, or have any of that changed?\n\nOkay. Alright. Perfect. Now let me just check that here for you. Oh, yeah.\n\nSo you still have plenty of space, which is good. Sorry. At the moment, because how the app pretax contributions work, there is a cap space each financial year. So for this financial year, it's 30,000. It is going up next financial year.\n\nBut for this financial year, it is 30,000. That includes employee contributions and salary sacrifice contribution as well as the contributions you are looking at making tax effective. Now at the moment, you have about 15,223, so you do have plenty of space for the 2,000 if you wanted to do that. So if you wanted to do a lot more, like 15 or something, I'll say, oh, just just let me run the math for you. But two is perfectly fine for you to do.\n\nOkay. Yes. No. And you can do it whenever you want to as well. The the NOI, you get back at tax return.\n\nThat's what a lot of people do it kind of around now because, obviously, you get it back quicker. But even if you were to do, let's say, two, and then throughout next year, you were like, oh, I have a little bit more. Like, you can you can put in throughout the year. Yeah. The reason that most people do it closer to the financial year is that you get a back sooner, basically.\n\nYep. Yeah. Let me see here. It says '14 on the fourth, and it was from, I think, servicing@ocfinancial.com.au or from Whitlam. But I can always get him to resend it to you today it's at the top of your inbox if you would like.\n\nYou got it? And does it have mhmm. Yes. So then you have all the information there that you can put in how much or little you would like. Literally.\n\nCorrect. Send it to us. Yes. You can send it back to that email because Whitlam is my kind of administration assistant, so he will liaise with me. So he will if you just respond to that email, that's fine because then I get all of those as well.\n\nYep. It is nice. It is really handy at times. No. That's too much.\n\nI wouldn't do that. It's helping it's helping with work. I think I'm pretty nice. But, no, he he's he's he's good. So, yeah, he will he will handle all that, but let me know how it's all going.\n\nBut, yeah, you can definitely do 2,000. Like I said, the the only thing to be mindful of is, obviously, it's locked in. So just make sure you whatever you put in is money you don't need anytime soon. You will later, but just not right now. Who who knows?\n\nIt seems that, anyway, at the moment, a lot of people think you have to wait till 67, but that is just eight pension if you're eligible for it. You can with the current legislation, if you decide that you wanna retire, you can access everything tax free at 60. Yep. So everything tax free, if you decide when you turn 60, you go, no. I wanna retire.\n\nYou can take everything tax free from super. Most people, yeah, think they have to wait till 67, and that is just age pension. So if you do decide you turn 60 and you go, woo hoo. I wanna take everything. That's fine.\n\nJust be mindful then that age pension doesn't kick in until 67 that it needs to last until age pension. Or a lot of people, what they do at 60, if you wanna, like, go down to part time, is that you reduce your hours a little bit and draw a bit of an income from superannuation under a transition to retirement strategy, which is very tax effective, which we can obviously look at when when that comes into play, which is where you can draw some money from super tax free, doing some contributions into super if you're still working, and basically end up with the same income at the end of the day. So it's basically designed for where you are then kind of literally transitioning into retirement. So you still wanna work. You just wanna reduce your hours, but obviously need the same amount of income to cover bills and expenses and stuff like that.\n\nYeah. So but, yeah, otherwise, 60 if you stop working. Yeah. Now other changes. So I'll just go through the bit of the fax on here and see if there's anything else that's changed for you.\n\nPersonal information, I have you down here as in a defector relationship with no financial dependent. Is that correct? Oh, financial dependent as in, like, kids that lives at home. No. Yeah.\n\nYeah. No. Perfect. Occupation wise, we've already gone over your income, but has your role or anything like that changed or still doing the same thing? Yeah.\n\nWhat are you so are you still working for the local government council, just doing something different? Yeah. Just need a little change. Mhmm. Mhmm.\n\nOkay. Okay. Okay. If anything change Yeah. Yeah.\n\nJust let us know if you need any information or if we need to reassess anything there for you. Asset wise, your property I have here was last died at about 07:50. Is that still kind of the case? Would you know if that went up a little bit? Oh, wow.\n\nIs that fairly similar to yours? Do you know? Mhmm. Mhmm. The same?\n\nOkay. And about 90 yeah. Perfect. And about 91 owing on the mortgage. 80?\n\nOh, nice. Change that. Current 80. Okay. Perfect.\n\nAnd do you own a motor vehicle or a boat or motorbike or anything? Nope. Ah, yes. Perfect. And I also have here investment share.\n\nIt's about 25,000. Better fluctuations. Yeah. Yep. Perfect.\n\nAny other changes to your assets in the last twelve months? Any other new assets or liabilities or anything we haven't gone over? Okay. Is that just gonna savings in the bank at the moment, or is that going to the mortgage? Yeah.\n\nYep. Perfect. Otherwise, health and lifestyle wise, still a nonsmoker? Perfect. And any changes significant changes to your health?\n\nAny issues or injuries or anything? Okay. That's that's a good change. Oh, beautiful. And are you enjoying it?\n\nYes. Mhmm. Oh, wow. That's great. Wow.\n\nBecause putting on that much much muscle is hard because, obviously, muscles weigh more than fat as well. So it's like putting on that muscle while still, you know, getting healthier, that's a very good achievement. Exactly. Mhmm. Converted.\n\nMhmm. Yeah. That's perfect. Yeah. And it's good to do it's good to do those scans as well because it does give you motivation because sometimes if you if you keep going and going and, you know, yeah, you notice if you put more weight on, so you obviously get stronger.\n\nBut it is nice to do the scans every now and then to see, like, actual other changes because sometimes on a daily, you you you see yourself all the time. So it's sometimes harder to notice the changes, so this scan's like a nice little check-in. Oh, yes. Yeah. Yeah.\n\nYeah. Oh, that's good. Well, that's a really good really good to hear. And estate planning wise, do you have a will or anything like that in place? No.\n\nThat's all good. I'm sorry. If you don't have a will in place, it will obviously go through, like, the system and through the termination of who are potentially most suited for it. So they can obviously decide who they think have the highest right to your assets. So it is good to have because in the event that someone try to contest anything, sometimes straightforward, it can just go to the partner, but that's not always the case.\n\nSo because sometimes, unfortunately, when people do pass away, sometimes it doesn't bring out the best in people at times. So there can be instances with someone else decide to contest it to be like, no. You know, x y zed, I want access to this and this and this. So having a will in place just means that certainty for you that if something were to happen, you have stipulated that legally you would like this to go to this person or multiple people or split it however you want. So it just provides you with, yeah, more certainty in regards to that and and eliminates someone else trying to come in and take your assets, essentially, if that's not who you actually wanted to go to.\n\nAnd and do you guys have somewhere local that you you know that you could get it sorted through, or do you need some information regards to someone? Yep. Mhmm. Mhmm. Yeah.\n\nAnd that is perfectly fine. Sometimes people prefer that. Yeah. Straight away. Yeah.\n\nNow the good thing as well with so with your estate super and insurances, it does not form part of the estate. So that is separate. Now if there is no valid nomination in place, it will go through the estate, but you have valid nominations in place. So that wouldn't fall form part of the estate. So if something were to happen, I have everything going to Anne at the moment at a 100%.\n\nSo that would straight go to her anyway. So people can't really contest that. So that's good. Yeah. Okay.\n\nYep. Mhmm. Yeah. So then it's hard. Yeah.\n\nYeah. Right. Yeah. It doesn't. Yeah.\n\nYes. Okay. Yeah. And so you would know firsthand with Will and contesting and experiences and yeah. It's it doesn't it's not a great thing.\n\nVery messy. Sorry. We wanna make sure we have Yeah. I'm very grateful. Mhmm.\n\nYeah. Yeah. Yeah. Yeah. No.\n\nAnd I hear it all the time. It's all the time. And we obviously because we obviously manage your super and insurances, we see it from that point of view as well, which is why we stress the importance of having nominations, which you do now, which is great, in place. So those people who don't and it's obviously something would've happened. The amount of people that can call and trying to get anything, it's it does not always bring out the best in people, unfortunately.\n\nSo, yes, it's very important to have have it all in order. And at least you have, like I said, the the super and everything sorted, and then it would just be, obviously, the will when you have a moment to have it to have a look at it. Depends on how you guys have it structured. So there are different ways you can have it structured. So you can have, like, tenants in common or joint tenants.\n\nSo there's different ways you can have it structured. But, basically, tenants in common is basically where you have one portion and she has one portion, and your portion can give through whoever you want. So if something were to happen, let's say you own 50%, you can then say, okay. Well, if something were to happen to my I want my 50% to go through x y z. But, otherwise, you have, like, a joint tenancy, which is more common, and that is basically where you have fifty fifty ownership.\n\nAnd then if, let's say, you would have passed away, it would automatically go through the other person, etcetera. Oh, that's it's it's a lot to do. We have to do a lot of studies. But but yeah. It's but, yeah, your if you do speak to a lawyer as well, they would be obviously the best pass person in regards to all of this and to make sure it.\n\nBut, yeah, most of the time, people have that joint tenancy agreement. Yeah. Yep. Perfect. Now, otherwise, obviously, aside from the world, doing some renovations, doing a bit of extra contributions to Sousa, is there anything else that you guys are working towards, or that's kind of your main point at the moment?\n\nYeah. Yeah. That'd be nice. Oh, yeah. Now do you have access to your emails at the moment or not really right now?\n\nYes? Okay. Perfect. So I have sent you an email with some documents. Just same as last time, just a bit of an update on everything for you.\n\nIf you can access that for me. We have recently changed the software as well, so it can sometimes end to stem. Alright. Mhmm. Yep.\n\nOkay. Probably around that. Yeah. I have here from from your yeah. Exactly.\n\nI have here a $100.91 per fortnight from your transaction. So alright. Perfect. Now to make it easier for you, what order can you see the documents? Sure.\n\nAnd it will ask you to click on the link where it's assigned documents, but it will allow you to open up everything and look at it first. Yes. Yes. Yep. Yes.\n\nNo. Sorry. If you click on the link, it will actually allow you to look at everything first, and the documents will be your your super and your investments and everything like that. Only at the end will it ask you to sign if you're happy to do so, but you can see everything first. So can you see that super in insurance summary?\n\nIs that the one you're at at the moment? Yes. Beautiful. Yeah. Correct.\n\nYeah. Perfect. So, yeah, you can see here that you obviously have your super network. You can see your balance there at the moment as well. And underneath that, you also have your insurances with TOW.\n\nSo you have your life and total permanent disability insurance of 525,000 paid from within Netwealth. You don't pay for it out of pocket. And after tax, you pay 2,360. Do you still have to do with that level of cover for life and TPD? Yep.\n\nPerfect. It would obviously pay out the mortgage if something were to happen, cover your loss of income for quite some time or, you know, any medical expenses or anything that you might need. Now the next document, is that your asset performance detail with Netwealth? Yep. Now this one can look a little bit messy, but that breaks down all your individual investment.\n\nSo, obviously, like you touched on as well, the last twelve months have seen a little bit of fluctuations in the market. Obviously, you had everything going on in The US with, obviously, Trump and and everything, and more recently, everything with the war. So we've quite seen a bit of a mixed result of your investment. Now you can see here on the second column to the right where it says return percentage, you can see each and every single one of your investments individually outlined. So you can see here that gold, for example, was up at 17.84%, which is pretty crazy.\n\nNow the Benelon Australian Equity, do you remember getting an email around March in regards to an investment switch? It wasn't anything you had to sign. No. That's all good. Basically, what that email was is that the investment committee do research on the investments all the time to make sure that we always have you in the best position possible because there are things that's always changing.\n\nSo we do wanna make sure we are very proactive with it. At the same time, you don't wanna necessarily sell while things are down. If we if it's just a bit of a cyclical trend, then we foresee things coming back around. But at the same time, if there are a bit of kind of underlying lagging of the investment and we foresee it not being the best option moving forward, we also wanna make sure we change things into a more suitable option for you. So what's that one investment?\n\nWhich you can see here actually that that was the only investment that was down in your portfolio over the last twelve months. You can see that that was down quite a bit, the Benelon Australian equity, and that was changed for your BetaShares Australia 200. So because we changed an Australian equity investment, they wanted to make sure that they swapped it for another Australian option because we wanna make sure things are very diversified for you. We don't want everything just in The US or everything in, you know, emerging markets. We wanna make sure we keep things diversified.\n\nBut the BetaShares Australia 200, it is a little bit more simplified because it invests in the 200 largest companies listed in Australia on the ASX. As the company grows, gets bigger, it gets added to it. And as the company gets smaller, it kind of comes off. So it's a little bit more stable than the Bennelong investment because that is a managed fund. So that one, we're actively buying and selling different investments in order to try to outperform the market.\n\nThey had done really well, which is why it was added to your portfolio in the first place, and it was a very strong investment. But a little bit more recently, it's been a little bit slower with making the investment decisions. And another reason to why things were down a little bit for them was that one of the investments that they had in their portfolio was the corporate travel group. I'm not sure if you heard anything on the news or anything with that, but they had a bit of issues with their reporting and that company. So it was actually suspended from trading for a while.\n\nSo that kind of saw things, yeah, come down for Benelon. So that was what that switch was. So moving forward, you should see a little bit kind of smoother, with not having Benelon in your investments and, obviously, overall, a little bit more of an improvement as well because that was kind of the only one that the investment committee and everything researched that we wanted to change. And you can see here on the document that that was the only one that was underperforming for you as well. Does that make sense?\n\nYes. Yep. Beautiful. No. It's still very much going in the right direction.\n\nAnd we do have you invested in your growth portfolio. So are you still happy with the level of risk and everything like that for a growth investor, or has anything changed for you? There there are a couple of different factors. So one of the thing is time frames to retirement. Obviously, the more actually, the next document is that a Vanguard index chart that you can see in front of you?\n\nLike a red graph? Yes. Yeah. Beautiful. Perfect.\n\nSo we've one of the things we do factor in of making sure is that time frame. Now the the higher growth components you have to your portfolio, over the long term, you're gonna get the most amount of growth. So that's ultimately what we want. But we also wanna make sure that you have enough time in the market for those fluctuations. So that is the first thing we look at.\n\nNow in a growth portfolio, we typically want to allow six years until retirement. So at the moment for you, obviously, you can't access super until 60. So it is a good position to be in when we are looking at a time frame. So, basically, what you can see on the chart in front of you is those ups and downs of the market. So you can basically see here it is a good visual representation.\n\nSo you can see from 1995 through to 2025, and Vanguard updates this yearly as well, which is good every financial year, so the new one should come out soon. And you can see that long term market always goes up. So, typically, the younger, obviously, we are, the more likely you see people in your your higher growth options or aggressive options because you have all the time in the market for that to come back around. But the closer you get to retirement and that some people then wanna start gradually reducing that risk, because if you wanna access your money tomorrow, you don't want that to be a massive dip at the same time. So the first thing is time frame.\n\nThe time frame in a growth portfolio is suitable for you, so that gives you about six years. The other thing we look at is what you are comfortable with. So it's also making sure that you are comfortable with short term fluctuations because it's not all just, like, from a numbers point of view, most clients in a similar age to yourself, I see in that growth portfolio because they don't wanna access super through 60, 65, or 67, and they do wanna focus on controlling their super. So from that point of view, it is a good portfolio for you. But then on the other side, I sometimes like, I could have a a seven year old who goes, oh, no.\n\nI want high growth. I just wanna grow it as much as possible, and I don't really care about fluctuations. But at the same time, I have a 20 year old who says, no. I'm not comfortable with any fluctuations even though I have so much time until, like, an access message that I do not feel comfortable with it. So it's kind of, like, multiple things.\n\nSo time frame wise, growth is great for you, but it's also where you are comfortable with. Are you still comfortable seeing a bit of short term fluctuation in order to grow it? Yep. And just so you know as well in, like, kind of the scale of things, we typically have through your your highest risk is we have an aggressive plus investment option, which is basically where you're borrowing money, doing a lot of gearing and stuff. You then have aggressive.\n\nYou have your high growth and then your growth, which is where you are at currently. And then we have your your balance growth, balance, and defensive. So you are kind of somewhere right in the middle with things. And what that also looks like from an asset allocation point of view is what you can see here on the graph is your growth investments typically have about 80% in this, and that is the top four. So you can see US shares, which is, like, your light green one.\n\nYou have your Australian shares, which is, like, your dark green one. You have your international shares, which is, like, your yellow line, and then listed property at that kind of maroon color as well. So you can see that these are the ones that grow the most, but also fluctuate the most. And then we do have about 20% in those bottom three. So that is, like, your cash, your gold, your fixed interest, which you can see are a little bit more stable.\n\nThey don't fluctuate as much, but they don't grow as much either. Does that all make sense, Eric? Yep. Beautiful. And, obviously, as every every under review, we kind of review things for you.\n\nBut time frame wise at the moment, it's still a good position with the growth one. And, obviously, the closer you get to retirement, we can then start to look at reducing things slowly for you if if you wanted to. Great. Now what is the next document that you have there? Yep.\n\nBeautiful. That basically just breaks down your tile insurances in a bit more detail, but basically lets you know that's all paid and up to date for you. And then what's the next one you have? Yep. Perfect.\n\nNow you would have seen this one. Every annual review is one of those compliance documents. None of the important information has changed. It's all in there for you. But if you do have a bit of a scroll through it, you will see that we've had a bit of a bit of an update to our marketing.\n\nSo a bit more updated photos of everybody, of the team, director's advices, and also a bit of an extension to the team, which is great. So after you scroll through, you will see myself again on page 10 if you do wanna put a face to the voice. Yeah. Thank you. So, yep, sometimes it's nice, obviously, when we do speak over the phone for people to actually know who they're talking with as well.\n\nYeah. Now the next document, there should be two more, and one is your ongoing service agreement with Netwealth. Can you see that one? It should say consent to ongoing fee arrangement. As you scroll through, yeah, at the end of that document, there should be the next document.\n\nYes. That's the one. So this is the one if you're happy to do so that it will ask you to sign, and it's the same as last year. It's just an ongoing service agreement. The fee stays exactly the same, so there is no changes to the fee structure.\n\nIt stays exactly the same at 1.65 from super. And after last time, it is not a lock in contract. So about any time you are not happy, it is not a lock in contract. But this lets us service your account and manage your investments and everything for you in the meantime. Yep.\n\nBeautiful. And is there one more document they ask you to sign after that? Yep. Okay. Perfect.\n\nThat was probably everything. Sometimes they will ask you to sign, like, a tax file number form, but you would have saved signed that last year. So that's good. So that was all the documents that we needed to sign. So if it's just validating oh, yep.\n\nBeautiful. I can see that's already come through on my end, so thank you so much for that. I will let the team know. We'll get that all authorized. Let us know as well if you do make that contribution.\n\nJust respond to the email, and Whitlam will let me know, and then we'll process that notice of intent for you as well with those contributions. Yeah. Yeah. Yeah. We'll we'll do it.\n\nYeah. And then we'll we'll do everything, and then we'll just literally send you a document at the end. And you just take that with you to your account when you do your tax return. Yep. No worries.\n\nNo. I know that was a little bit longer than the twenty minutes there, so thank you so much for your time. Yeah. No. No problem.\n\nYes. I like to. Oh, that's good. I'm glad. Yeah.\n\nYeah. Yeah. Yeah. Okay. Well, he's not with us at the moment.\n\nHe he left, so he's no longer here. And yeah. Obviously, every every adviser works slightly different, but I'm very much well, it's like, I don't wanna push anyone. That's not what I'm here to do, and I wanna make sure that you are fully informed at the end of the day. And sometimes there's people that want everything in detail and sometimes people don't.\n\nBut, you know, I would rather explain everything as much as I can and go through things because, like you said, it is once a year. Obviously, if you do ever want more catch up, just let us know. If there's ever any questions or anything else that you need, just let us know. It's all part of the service. If you do want a bit more frequent catch up, but otherwise, it is that yearly review where we go kind of through things in a little bit more in-depth as well.\n\nYep. Yeah. Yeah. Yeah. Oh, I'm glad.\n\nMore information. Yeah. Yeah. Oh, that's great. I'm glad.\n\nAnd that's also part of the job as well is to kind of help educate you at the end of the day and making sure, you know, everyone understands everything. So I'm I'm really glad that you find it very helpful and knowledgeable. That makes me really happy as well. So thank you for that. Oh, thank you.\n\nYeah. That's good. Yeah. But if you yeah. Perfect.\n\nOh, I'm glad. But like I said, if there's anything you need at any point in time, you have our email address, send us an email or or give me a call. Like I said, I'll keep a lookout for that email as well, and I will let Whitlam know through I expect that email in the next couple of days, and we'll get straight on to that for you. But, otherwise, thank you so much for your time today, Derek, and I hope you enjoy the rest of your day. Yes.\n\nYeah. We're up on the Gold Coast. Oh, it's raining today, which is a bit miserable. Still fairly warm, but it's a bit rainy, a bit wet. Oh, yeah.\n\nThank you so much. You enjoy the rest of your day. Yeah. Mine hates it in the rain. Oh, yeah.\n\nYou get a bit of exercise. Yep. Yeah. Yeah. Well, I will let you go and enjoy the rest of your day there, Derek.\n\nLike I said, anything you need at any point in time doesn't have to be around review time. You just let me know. No problem. We'll speak soon. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Derek.","start":3.6,"end":4.64,"sentiment":"neutral","sentiment_score":0.29171977440516156},{"text":"This is Veronica from Mercy Financial.","start":4.64,"end":6.5,"sentiment":"neutral","sentiment_score":0.23556056370337805},{"text":"How are you?","start":6.64,"end":7.46,"sentiment":"neutral","sentiment_score":0.16960686445236206},{"text":"Can you hear me okay?","start":12.175,"end":13.315001,"sentiment":"neutral","sentiment_score":0.043625257164239886},{"text":"That's okay.","start":19.215,"end":20.035,"sentiment":"neutral","sentiment_score":0.1269984059035778}],"sentiment":"neutral","sentiment_score":0.1720771787590102,"num_words":19,"start":3.6,"end":20.035},{"sentences":[{"text":"Yeah.","start":30.03,"end":30.43,"sentiment":"neutral","sentiment_score":0.216886505484581},{"text":"Good.","start":30.43,"end":30.83,"sentiment":"neutral","sentiment_score":0.3240782916545868},{"text":"How are you?","start":30.83,"end":31.73,"sentiment":"neutral","sentiment_score":0.19603299597899118},{"text":"That's good.","start":34.27,"end":35.17,"sentiment":"neutral","sentiment_score":0.2333259955048561},{"text":"That's okay.","start":36.925,"end":37.745,"sentiment":"neutral","sentiment_score":0.23015256226062775}],"sentiment":"neutral","sentiment_score":0.22844676673412323,"num_words":9,"start":30.03,"end":37.745},{"sentences":[{"text":"We can always reschedule for a more suitable time if you're a bit busy right now.","start":38.605,"end":42.524998,"sentiment":"neutral","sentiment_score":0.11343365907669067},{"text":"That's no problem.","start":42.524998,"end":43.504997,"sentiment":"neutral","sentiment_score":0.14462568362553915},{"text":"No.","start":47.004997,"end":47.484997,"sentiment":"neutral","sentiment_score":-0.058087658137083054},{"text":"Probably a twenty minutes or so.","start":47.484997,"end":50.545,"sentiment":"neutral","sentiment_score":-0.03907490397493044},{"text":"Yeah?","start":52.71,"end":53.21,"sentiment":"neutral","sentiment_score":0.09258665889501572}],"sentiment":"neutral","sentiment_score":0.07588389529674142,"num_words":27,"start":38.605,"end":53.21},{"sentences":[{"text":"Okay.","start":53.43,"end":53.75,"sentiment":"neutral","sentiment_score":0.08771327137947083},{"text":"Well, I'll try to make it quick for you.","start":53.75,"end":55.61,"sentiment":"neutral","sentiment_score":0.1334893372323778},{"text":"But before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":56.31,"end":64.01,"sentiment":"neutral","sentiment_score":0.014261942556393998},{"text":"Perfect.","start":66.095,"end":66.595,"sentiment":"positive","sentiment_score":0.4163653254508972},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please?","start":66.735,"end":75.075,"sentiment":"neutral","sentiment_score":0.08796594051584121}],"sentiment":"neutral","sentiment_score":0.06902515970702683,"num_words":70,"start":53.43,"end":75.075},{"sentences":[{"text":"Yep.","start":86.43,"end":86.75,"sentiment":"neutral","sentiment_score":0.19533616304397583},{"text":"Beautiful.","start":86.75,"end":87.23,"sentiment":"positive","sentiment_score":0.5454162359237671},{"text":"That's exactly what I have here.","start":87.23,"end":89.17,"sentiment":"positive","sentiment_score":0.5052668005228043},{"text":"Now before I do kind of jump into things, I do like to start by asking if there is anything specific you would like me to address today or any particular questions or just a bit of an update and see where everything's at?","start":89.695,"end":101.155,"sentiment":"neutral","sentiment_score":0.08283972096714107},{"text":"Yes.","start":108.59,"end":109.09,"sentiment":"neutral","sentiment_score":0.029691671952605247}],"sentiment":"neutral","sentiment_score":0.14050929427568642,"num_words":53,"start":86.43,"end":109.09},{"sentences":[{"text":"How mhmm.","start":113.325,"end":117.805,"sentiment":"neutral","sentiment_score":-0.02769023459404707},{"text":"Whitlam.","start":117.805,"end":118.305,"sentiment":"neutral","sentiment_score":-0.029152503237128254},{"text":"I'm sorry.","start":118.524994,"end":119.265,"sentiment":"neutral","sentiment_score":-0.06832343712449074},{"text":"Okay.","start":122.045,"end":122.545,"sentiment":"neutral","sentiment_score":0.04588312655687332},{"text":"That's okay.","start":123.405,"end":124.225,"sentiment":"neutral","sentiment_score":0.05038616247475147}],"sentiment":"neutral","sentiment_score":-0.00931554939597845,"num_words":8,"start":113.325,"end":124.225},{"sentences":[{"text":"We can have a bit of a chat to the day.","start":124.284996,"end":125.965,"sentiment":"neutral","sentiment_score":0.32411583174358716},{"text":"And if you know how much you wanna put in, I would say absolute latest, try to have it done by Wednesday and next week the latest just so it gets into your Netwealth account early enough for them to process at this financial year because they get quite booked out or blocked out at this time of the year with kind of everyone wanting to do the same.","start":125.965,"end":150.255,"sentiment":"neutral","sentiment_score":0.2214819601048594},{"text":"So do you remember how much you wanna put in?","start":150.395,"end":153.515,"sentiment":"neutral","sentiment_score":0.05950338114053011},{"text":"I know, obviously, you've spoken to your accountant and stuff before and had last time a bit of a figure in mind.","start":153.515,"end":159.62,"sentiment":"neutral","sentiment_score":0.01996871583502401},{"text":"Two grand?","start":163.76,"end":164.58,"sentiment":"neutral","sentiment_score":0.015030416660010815}],"sentiment":"neutral","sentiment_score":0.17466610341675973,"num_words":114,"start":124.284996,"end":164.58},{"sentences":[{"text":"Yep.","start":169.28,"end":169.78,"sentiment":"neutral","sentiment_score":0.04856953024864197},{"text":"Alright.","start":170.895,"end":171.395,"sentiment":"neutral","sentiment_score":0.029001668095588684},{"text":"Yeah.","start":174.495,"end":174.995,"sentiment":"neutral","sentiment_score":0.06071088835597038},{"text":"I mean, it all makes a difference because at the end of the day, you put in 2,000 in.","start":177.69499,"end":183.075,"sentiment":"neutral","sentiment_score":0.07604819300927614},{"text":"The downside is it is locked in through your immediate condition of the lease.","start":183.215,"end":186.36,"sentiment":"negative","sentiment_score":-0.44046562910079956}],"sentiment":"neutral","sentiment_score":-0.1273144737092985,"num_words":36,"start":169.28,"end":186.36},{"sentences":[{"text":"So, obviously, be mindful of the money you put in is restricted, so you can't access it if until you turn 60 or stop working turn 60 and stop working.","start":186.36,"end":197.82,"sentiment":"neutral","sentiment_score":-0.29911126643419267},{"text":"So just be mindful of that.","start":198.28,"end":199.64,"sentiment":"neutral","sentiment_score":-0.14155390734473863},{"text":"But if you do have the spare cash, you don't need it, then it is a great way to boost your super further in a very tax effective way.","start":199.64,"end":208.115,"sentiment":"positive","sentiment_score":0.5554444795024807},{"text":"Because how you do put it into into superannuation because it's from your bank account, it's after tax contribution.","start":208.895,"end":216.755,"sentiment":"neutral","sentiment_score":0.32884593307971954},{"text":"But with that NOI is how we can then change it through a pretax contribution, which is where you do get a little bit of that tax saving, which I think is what your accountant kind of went through with you as well briefly.","start":217.64,"end":229.34,"sentiment":"positive","sentiment_score":0.3904618526046926}],"sentiment":"neutral","sentiment_score":0.2321376774343662,"num_words":128,"start":186.36,"end":229.34},{"sentences":[{"text":"Does that ring a bell?","start":231.25499,"end":232.315,"sentiment":"neutral","sentiment_score":0.01130028497427702},{"text":"Correct.","start":241.575,"end":242.075,"sentiment":"neutral","sentiment_score":0.031341128051280975},{"text":"Yeah.","start":242.535,"end":242.935,"sentiment":"neutral","sentiment_score":-0.019461970776319504},{"text":"So, yes, called notice of intent.","start":242.935,"end":246.31,"sentiment":"neutral","sentiment_score":-0.02194559496516983},{"text":"So, basically, from your point of view, you would just put it in from your bank account into your super.","start":246.31,"end":252.17,"sentiment":"neutral","sentiment_score":0.1371276132762432}],"sentiment":"neutral","sentiment_score":0.08118967508727853,"num_words":33,"start":231.25499,"end":252.17},{"sentences":[{"text":"You would let us know when you've done it, And then I will get with Lamb to send you the form through process and change it.","start":252.47,"end":262.425,"sentiment":"neutral","sentiment_score":0.21893961670307013},{"text":"And then, basically, you will get a certificate of currency afterwards, and you will just provide that to your accountant when you do your tax return.","start":262.645,"end":269.065,"sentiment":"neutral","sentiment_score":0.2838129154764689},{"text":"And then they will do all their stuff in the back end for you.","start":269.23,"end":271.97,"sentiment":"neutral","sentiment_score":0.2533431947231293},{"text":"Yes.","start":281.15,"end":281.65,"sentiment":"neutral","sentiment_score":0.0683838278055191},{"text":"So you would yeah.","start":284.55502,"end":287.515,"sentiment":"neutral","sentiment_score":0.05539267975836992}],"sentiment":"neutral","sentiment_score":0.23814542407930736,"num_words":71,"start":252.47,"end":287.515},{"sentences":[{"text":"You would do it straight from your account.","start":287.515,"end":289.535,"sentiment":"neutral","sentiment_score":0.1618505697697401},{"text":"Now you need specific information.","start":290.315,"end":293.535,"sentiment":"neutral","sentiment_score":0.056439565122127534},{"text":"So Whitlam sent you an email on the April 14, so let me know if you don't have access to it.","start":294.315,"end":301.09,"sentiment":"neutral","sentiment_score":0.08329801864567257},{"text":"And that had your account details.","start":301.38998,"end":305.01,"sentiment":"neutral","sentiment_score":0.07592938219507535},{"text":"So you can do it via BPAY or direct transfer depending on works what works best for you.","start":305.07,"end":312.585,"sentiment":"neutral","sentiment_score":0.16577529120776388}],"sentiment":"neutral","sentiment_score":0.11665159155582559,"num_words":58,"start":287.515,"end":312.585},{"sentences":[{"text":"So if you just, for example, wanna do BPAY, you just go into your bank mobile and do BPAY.","start":312.585,"end":318.44498,"sentiment":"neutral","sentiment_score":0.12311330123951561},{"text":"It has the biller code and reference number already listed there for you, and then that's basically how you pay it.","start":318.82498,"end":326.1,"sentiment":"neutral","sentiment_score":0.24710288927668617},{"text":"You would just let us know that you've done it, and then Whitlam will do all the paperwork and everything needed in the back end there for you.","start":326.1,"end":334.92,"sentiment":"positive","sentiment_score":0.3730604260095528},{"text":"Yes.","start":339.31497,"end":339.81497,"sentiment":"neutral","sentiment_score":0.15049438178539276},{"text":"Yep.","start":340.835,"end":341.235,"sentiment":"positive","sentiment_score":0.49367305636405945}],"sentiment":"neutral","sentiment_score":0.2659738966396877,"num_words":70,"start":312.585,"end":341.235},{"sentences":[{"text":"Perfect.","start":341.235,"end":341.715,"sentiment":"positive","sentiment_score":0.7410357594490051},{"text":"Just an email or quick phone call, whatever's ECS email is perfect.","start":341.715,"end":345.895,"sentiment":"positive","sentiment_score":0.5292428607741991},{"text":"Just to say, hey.","start":346.19498,"end":347.395,"sentiment":"neutral","sentiment_score":0.2943439967930317},{"text":"Just put a bit of contributions in.","start":347.395,"end":349.47498,"sentiment":"neutral","sentiment_score":0.2858524386371885},{"text":"Can I please make a a notice of intent to claim, or could you please help me just you can just put NOI?","start":349.47498,"end":357.73,"sentiment":"neutral","sentiment_score":0.08432404162443202}],"sentiment":"neutral","sentiment_score":0.2597818319943357,"num_words":47,"start":341.235,"end":357.73},{"sentences":[{"text":"I know what it is anyway, so I'll keep a lookout for that email.","start":357.73,"end":360.47,"sentiment":"neutral","sentiment_score":0.15113841795495578},{"text":"And then with land, we'll send you a form to sign, and then we will authorize that change for you.","start":360.77002,"end":375.13498,"sentiment":"neutral","sentiment_score":0.14431082140654325},{"text":"Mhmm.","start":375.13498,"end":375.25497,"sentiment":"neutral","sentiment_score":-0.0571858324110508},{"text":"Taxable income.","start":375.25497,"end":376.395,"sentiment":"neutral","sentiment_score":-0.07400231063365936},{"text":"Yes.","start":377.01498,"end":377.51498,"sentiment":"neutral","sentiment_score":-0.04096778854727745}],"sentiment":"neutral","sentiment_score":0.12515779045459471,"num_words":38,"start":357.73,"end":377.51498},{"sentences":[{"text":"Yeah.","start":385.59,"end":385.91,"sentiment":"neutral","sentiment_score":0.18941107392311096},{"text":"Exactly.","start":385.91,"end":386.39,"sentiment":"neutral","sentiment_score":0.32230186462402344},{"text":"So that's how it saves a bit of tax.","start":386.39,"end":388.15,"sentiment":"positive","sentiment_score":0.4914579457706875},{"text":"So, obviously, on the 105, you would pay a lot higher tax rate on it than through super.","start":388.15,"end":396.395,"sentiment":"neutral","sentiment_score":0.15928762157758078},{"text":"So through superannuation, you only get taxed at 15% versus if your income is a a 105, then you get taxed at 30%.","start":396.395,"end":407.81,"sentiment":"neutral","sentiment_score":0.13762150510497714}],"sentiment":"neutral","sentiment_score":0.21090973569796637,"num_words":52,"start":385.59,"end":407.81},{"sentences":[{"text":"So, basically, that 15% difference is what then makes that difference on the the 2,000.","start":408.35,"end":415.41,"sentiment":"neutral","sentiment_score":0.16799855679273606},{"text":"Does that make sense?","start":417.39,"end":418.53,"sentiment":"neutral","sentiment_score":0.13121935352683067},{"text":"Yep.","start":420.435,"end":420.835,"sentiment":"neutral","sentiment_score":0.32778751850128174},{"text":"Yep.","start":420.835,"end":421.335,"sentiment":"positive","sentiment_score":0.39148378372192383},{"text":"So everything that you can put in does make a difference and, obviously, contributes to your super and retirement at the end of the day.","start":421.95502,"end":429.575,"sentiment":"positive","sentiment_score":0.6180787134170532}],"sentiment":"positive","sentiment_score":0.41774119355756306,"num_words":46,"start":408.35,"end":429.575},{"sentences":[{"text":"And the accountants do like it as well because you do get they can help balance that a little bit from the tax when they do the tax return.","start":429.875,"end":436.4,"sentiment":"positive","sentiment_score":0.45221079423509797},{"text":"And, yeah, that's how it makes the biggest tax saving.","start":438.46,"end":441.34,"sentiment":"positive","sentiment_score":0.490671443939209},{"text":"And your income is still around 105.","start":441.34,"end":443.5,"sentiment":"neutral","sentiment_score":0.27803210062640055},{"text":"Is that right?","start":443.5,"end":444.4,"sentiment":"neutral","sentiment_score":0.17098301152388254},{"text":"Yeah.","start":447.835,"end":448.335,"sentiment":"neutral","sentiment_score":0.15187060832977295}],"sentiment":"positive","sentiment_score":0.4126374363899231,"num_words":50,"start":429.875,"end":448.335},{"sentences":[{"text":"Is that okay.","start":448.475,"end":449.035,"sentiment":"neutral","sentiment_score":0.2253219038248062},{"text":"Perfect.","start":449.035,"end":449.435,"sentiment":"positive","sentiment_score":0.386631578207016},{"text":"Because I also wanna make sure you don't exceed any cap spaces.","start":449.435,"end":452.095,"sentiment":"neutral","sentiment_score":0.07878385204821825},{"text":"I don't think so with the 2,000, but I'll just wanna triple check.","start":452.395,"end":455.51498,"sentiment":"neutral","sentiment_score":0.019810526416851923},{"text":"So a 105.","start":455.51498,"end":456.975,"sentiment":"neutral","sentiment_score":0.03534811859329542}],"sentiment":"neutral","sentiment_score":0.07411202229559422,"num_words":32,"start":448.475,"end":456.975},{"sentences":[{"text":"Now employer still pays 12% contribution into super.","start":457.595,"end":462.50998,"sentiment":"neutral","sentiment_score":0.010644344612956047},{"text":"There hasn't been any, EBAs or changes in regards to that.","start":462.50998,"end":466.61,"sentiment":"neutral","sentiment_score":-0.06816109981049191},{"text":"Okay.","start":470.685,"end":471.185,"sentiment":"neutral","sentiment_score":-0.03965280205011368},{"text":"And do you know when that will take effect?","start":471.48502,"end":475.245,"sentiment":"neutral","sentiment_score":-0.03819510402778784},{"text":"Will that be next financial year?","start":475.245,"end":476.70502,"sentiment":"neutral","sentiment_score":-0.0646957444647948}],"sentiment":"neutral","sentiment_score":-0.041034301317163874,"num_words":35,"start":457.595,"end":476.70502},{"sentences":[{"text":"It takes away a lot now with the government.","start":477.885,"end":480.465,"sentiment":"neutral","sentiment_score":-0.27958401375346714},{"text":"Right.","start":489.41998,"end":489.91998,"sentiment":"neutral","sentiment_score":-0.08589719235897064},{"text":"Mhmm.","start":492.22,"end":492.72,"sentiment":"neutral","sentiment_score":-0.05897263437509537},{"text":"Sure.","start":499.035,"end":499.275,"sentiment":"neutral","sentiment_score":-0.0002368353307247162},{"text":"That's okay.","start":499.275,"end":500.095,"sentiment":"neutral","sentiment_score":-0.008611144032329321}],"sentiment":"neutral","sentiment_score":-0.1913275052793324,"num_words":14,"start":477.885,"end":500.095},{"sentences":[{"text":"Yeah.","start":500.23502,"end":500.475,"sentiment":"neutral","sentiment_score":-0.012945755384862425},{"text":"Of course.","start":500.475,"end":500.95502,"sentiment":"neutral","sentiment_score":-0.024017452262341976},{"text":"Take your time.","start":500.95502,"end":501.855,"sentiment":"neutral","sentiment_score":-0.08908750489354134},{"text":"No.","start":510.09,"end":510.25,"sentiment":"neutral","sentiment_score":-0.10735706239938736},{"text":"That's okay.","start":510.25,"end":510.72998,"sentiment":"neutral","sentiment_score":-0.052648577839136124}],"sentiment":"neutral","sentiment_score":-0.06009971029642555,"num_words":9,"start":500.23502,"end":510.72998},{"sentences":[{"text":"I have a lab.","start":510.72998,"end":511.53,"sentiment":"neutral","sentiment_score":-0.03715461306273937},{"text":"So I know.","start":511.53,"end":512.43,"sentiment":"neutral","sentiment_score":-0.02910529635846615},{"text":"I know.","start":512.57,"end":513.23,"sentiment":"neutral","sentiment_score":-0.029940776526927948},{"text":"Yeah.","start":513.93,"end":514.43,"sentiment":"neutral","sentiment_score":0.02410396933555603},{"text":"Mhmm.","start":516.08997,"end":516.58997,"sentiment":"neutral","sentiment_score":0.01848963089287281}],"sentiment":"neutral","sentiment_score":-0.023020208559253,"num_words":11,"start":510.72998,"end":516.58997},{"sentences":[{"text":"No.","start":518.33,"end":518.57,"sentiment":"neutral","sentiment_score":-0.05590853467583656},{"text":"They're they're quite vocal.","start":518.57,"end":519.87,"sentiment":"neutral","sentiment_score":-0.05147810559719801},{"text":"So I get it.","start":519.93,"end":521.07,"sentiment":"neutral","sentiment_score":0.10442568175494671},{"text":"No.","start":562.68,"end":562.92,"sentiment":"neutral","sentiment_score":0.00974307581782341},{"text":"That's okay.","start":562.92,"end":563.66,"sentiment":"neutral","sentiment_score":0.055021170526742935}],"sentiment":"neutral","sentiment_score":0.02297226556887229,"num_words":12,"start":518.33,"end":563.66},{"sentences":[{"text":"Mine gets mine gets protective when the mail comes as well.","start":563.72,"end":566.83997,"sentiment":"neutral","sentiment_score":0.017121088775721462},{"text":"So yep.","start":566.83997,"end":572.635,"sentiment":"neutral","sentiment_score":-0.07145335525274277},{"text":"That's that's all good.","start":576.135,"end":577.655,"sentiment":"neutral","sentiment_score":0.2961677052080631},{"text":"So, yeah, EBA, no changes anyway, though, just financial year or any immediate.","start":577.655,"end":582.955,"sentiment":"neutral","sentiment_score":-0.029268902224990036},{"text":"Mhmm.","start":583.98,"end":584.48,"sentiment":"neutral","sentiment_score":-0.047148268669843674}],"sentiment":"neutral","sentiment_score":0.025885551266612544,"num_words":31,"start":563.72,"end":584.48},{"sentences":[{"text":"Mhmm.","start":586.06,"end":586.56,"sentiment":"neutral","sentiment_score":-0.04256665334105491},{"text":"Mhmm.","start":588.3,"end":588.8,"sentiment":"neutral","sentiment_score":-0.055758509784936905},{"text":"Okay.","start":591.18,"end":591.68,"sentiment":"neutral","sentiment_score":-0.04625459015369415},{"text":"Contributions or just pay?","start":591.74,"end":594.8,"sentiment":"neutral","sentiment_score":-0.052370887249708176},{"text":"Okay.","start":595.42,"end":595.92,"sentiment":"neutral","sentiment_score":-0.02769383043050766}],"sentiment":"neutral","sentiment_score":-0.04771964158862829,"num_words":8,"start":586.06,"end":595.92},{"sentences":[{"text":"Mhmm.","start":598.865,"end":599.365,"sentiment":"neutral","sentiment_score":-0.01869983971118927},{"text":"Okay.","start":604.065,"end":604.565,"sentiment":"neutral","sentiment_score":-0.049666840583086014},{"text":"Okay.","start":609.19995,"end":609.69995,"sentiment":"neutral","sentiment_score":-0.063510462641716},{"text":"Okay.","start":610.07996,"end":610.57996,"sentiment":"neutral","sentiment_score":-0.009277301840484142},{"text":"And salary sacrificing, are you still doing about a $100 a fortnight, or have any of that changed?","start":612.31995,"end":619.22,"sentiment":"neutral","sentiment_score":-0.020513117209904723}],"sentiment":"neutral","sentiment_score":-0.02319957066158002,"num_words":22,"start":598.865,"end":619.22},{"sentences":[{"text":"Okay.","start":620.975,"end":621.475,"sentiment":"neutral","sentiment_score":0.02374209836125374},{"text":"Alright.","start":621.935,"end":622.33496,"sentiment":"neutral","sentiment_score":0.16694959998130798},{"text":"Perfect.","start":622.33496,"end":622.815,"sentiment":"neutral","sentiment_score":0.2873000502586365},{"text":"Now let me just check that here for you.","start":622.815,"end":625.555,"sentiment":"neutral","sentiment_score":0.11498687499099308},{"text":"Oh, yeah.","start":628.735,"end":629.135,"sentiment":"neutral","sentiment_score":0.09420621395111084}],"sentiment":"neutral","sentiment_score":0.12152043224445411,"num_words":14,"start":620.975,"end":629.135},{"sentences":[{"text":"So you still have plenty of space, which is good.","start":629.135,"end":631.375,"sentiment":"neutral","sentiment_score":0.15798913463950157},{"text":"Sorry.","start":631.375,"end":631.695,"sentiment":"neutral","sentiment_score":-0.03628544881939888},{"text":"At the moment, because how the app pretax contributions work, there is a cap space each financial year.","start":631.695,"end":639.06,"sentiment":"neutral","sentiment_score":0.0024276014624370467},{"text":"So for this financial year, it's 30,000.","start":639.2,"end":641.52,"sentiment":"neutral","sentiment_score":0.0274234198565994},{"text":"It is going up next financial year.","start":641.52,"end":643.54004,"sentiment":"neutral","sentiment_score":0.04214766089405332}],"sentiment":"neutral","sentiment_score":0.04823954160823379,"num_words":43,"start":629.135,"end":643.54004},{"sentences":[{"text":"But for this financial year, it is 30,000.","start":643.68,"end":646.10004,"sentiment":"neutral","sentiment_score":0.03854423621669412},{"text":"That includes employee contributions and salary sacrifice contribution as well as the contributions you are looking at making tax effective.","start":646.56,"end":655.685,"sentiment":"neutral","sentiment_score":0.06651837732642889},{"text":"Now at the moment, you have about 15,223, so you do have plenty of space for the 2,000 if you wanted to do that.","start":656.14496,"end":667.52997,"sentiment":"neutral","sentiment_score":0.06361869531125801},{"text":"So if you wanted to do a lot more, like 15 or something, I'll say, oh, just just let me run the math for you.","start":667.52997,"end":674.27,"sentiment":"neutral","sentiment_score":0.1954098254442215},{"text":"But two is perfectly fine for you to do.","start":674.57,"end":676.99,"sentiment":"positive","sentiment_score":0.5695498718155755}],"sentiment":"neutral","sentiment_score":0.1532181930950935,"num_words":86,"start":643.68,"end":676.99},{"sentences":[{"text":"Okay.","start":680.985,"end":681.485,"sentiment":"neutral","sentiment_score":0.1670244336128235},{"text":"Yes.","start":687.305,"end":687.705,"sentiment":"neutral","sentiment_score":0.009104464203119278},{"text":"No.","start":687.705,"end":687.945,"sentiment":"neutral","sentiment_score":0.0834617167711258},{"text":"And you can do it whenever you want to as well.","start":687.945,"end":690.185,"sentiment":"neutral","sentiment_score":0.22295779260722073},{"text":"The the NOI, you get back at tax return.","start":690.185,"end":692.96,"sentiment":"neutral","sentiment_score":0.1426890277200275}],"sentiment":"neutral","sentiment_score":0.17375337316290193,"num_words":23,"start":680.985,"end":692.96},{"sentences":[{"text":"That's what a lot of people do it kind of around now because, obviously, you get it back quicker.","start":692.96,"end":698.74,"sentiment":"neutral","sentiment_score":0.22684303671121597},{"text":"But even if you were to do, let's say, two, and then throughout next year, you were like, oh, I have a little bit more.","start":699.2,"end":705.68,"sentiment":"neutral","sentiment_score":0.11887449473142624},{"text":"Like, you can you can put in throughout the year.","start":705.68,"end":708.18,"sentiment":"neutral","sentiment_score":0.19611905962228776},{"text":"Yeah.","start":708.785,"end":708.94495,"sentiment":"neutral","sentiment_score":0.1253611445426941},{"text":"The reason that most people do it closer to the financial year is that you get a back sooner, basically.","start":708.94495,"end":713.20496,"sentiment":"neutral","sentiment_score":0.1534543067216873}],"sentiment":"neutral","sentiment_score":0.16583357254664102,"num_words":75,"start":692.96,"end":713.20496},{"sentences":[{"text":"Yep.","start":715.425,"end":715.925,"sentiment":"neutral","sentiment_score":0.1803925484418869},{"text":"Yeah.","start":723.2,"end":723.52,"sentiment":"neutral","sentiment_score":0.0460459440946579},{"text":"Let me see here.","start":723.52,"end":724.89996,"sentiment":"neutral","sentiment_score":0.031611524522304535},{"text":"It says '14 on the fourth, and it was from, I think, servicing@ocfinancial.com.au or from Whitlam.","start":731.92,"end":744.21497,"sentiment":"neutral","sentiment_score":0.03317615669220686},{"text":"But I can always get him to resend it to you today it's at the top of your inbox if you would like.","start":745.555,"end":752.63,"sentiment":"neutral","sentiment_score":0.06469514812140362}],"sentiment":"neutral","sentiment_score":0.05270425565540791,"num_words":45,"start":715.425,"end":752.63},{"sentences":[{"text":"You got it?","start":753.01,"end":753.83,"sentiment":"neutral","sentiment_score":0.035057771330078445},{"text":"And does it have mhmm.","start":760.37,"end":767.365,"sentiment":"neutral","sentiment_score":0.054412195831537245},{"text":"Yes.","start":774.72,"end":775.12,"sentiment":"neutral","sentiment_score":0.1255735605955124},{"text":"So then you have all the information there that you can put in how much or little you would like.","start":775.12,"end":780.5,"sentiment":"neutral","sentiment_score":0.13695923648774624},{"text":"Literally.","start":784.56,"end":785.06,"sentiment":"neutral","sentiment_score":0.06118205562233925}],"sentiment":"neutral","sentiment_score":0.11010582130402327,"num_words":30,"start":753.01,"end":785.06},{"sentences":[{"text":"Correct.","start":785.44,"end":785.94,"sentiment":"neutral","sentiment_score":0.0478646494448185},{"text":"Send it to us.","start":786.815,"end":787.935,"sentiment":"neutral","sentiment_score":0.017343645449727774},{"text":"Yes.","start":787.935,"end":788.175,"sentiment":"neutral","sentiment_score":0.14983311295509338},{"text":"You can send it back to that email because Whitlam is my kind of administration assistant, so he will liaise with me.","start":788.175,"end":794.975,"sentiment":"neutral","sentiment_score":0.2678349885073575},{"text":"So he will if you just respond to that email, that's fine because then I get all of those as well.","start":794.975,"end":800.335,"sentiment":"neutral","sentiment_score":0.21949934320790426}],"sentiment":"neutral","sentiment_score":0.21977404691278934,"num_words":49,"start":785.44,"end":800.335},{"sentences":[{"text":"Yep.","start":800.335,"end":800.835,"sentiment":"neutral","sentiment_score":0.1947494000196457},{"text":"It is nice.","start":804.16003,"end":805.14,"sentiment":"positive","sentiment_score":0.5352194706598917},{"text":"It is really handy at times.","start":806.4,"end":808.5,"sentiment":"neutral","sentiment_score":0.17372715224822363},{"text":"No.","start":812.32,"end":812.82,"sentiment":"neutral","sentiment_score":-0.2527545690536499},{"text":"That's too much.","start":812.88,"end":813.6,"sentiment":"neutral","sentiment_score":-0.2544699013233185}],"sentiment":"neutral","sentiment_score":0.1304718894617898,"num_words":14,"start":800.335,"end":813.6},{"sentences":[{"text":"I wouldn't do that.","start":813.6,"end":815.475,"sentiment":"neutral","sentiment_score":-0.08117732172831893},{"text":"It's helping it's helping with work.","start":815.475,"end":817.975,"sentiment":"neutral","sentiment_score":0.11655090749263763},{"text":"I think I'm pretty nice.","start":819.475,"end":820.855,"sentiment":"neutral","sentiment_score":0.2829914838075638},{"text":"But, no, he he's he's he's good.","start":821.315,"end":823.39496,"sentiment":"neutral","sentiment_score":0.1432441153696605},{"text":"So, yeah, he will he will handle all that, but let me know how it's all going.","start":823.39496,"end":826.675,"sentiment":"neutral","sentiment_score":0.12628957804511576}],"sentiment":"neutral","sentiment_score":0.12664577465217847,"num_words":39,"start":813.6,"end":826.675},{"sentences":[{"text":"But, yeah, you can definitely do 2,000.","start":826.675,"end":828.615,"sentiment":"neutral","sentiment_score":0.14844417784895217},{"text":"Like I said, the the only thing to be mindful of is, obviously, it's locked in.","start":828.92004,"end":833.0,"sentiment":"neutral","sentiment_score":-0.01531602581962943},{"text":"So just make sure you whatever you put in is money you don't need anytime soon.","start":833.0,"end":837.26,"sentiment":"neutral","sentiment_score":-0.07405272615142167},{"text":"You will later, but just not right now.","start":839.72003,"end":842.62006,"sentiment":"neutral","sentiment_score":-0.09848245698958635},{"text":"Who who knows?","start":856.135,"end":856.79504,"sentiment":"neutral","sentiment_score":-0.07826769600311916}],"sentiment":"neutral","sentiment_score":-0.028269070610404016,"num_words":50,"start":826.675,"end":856.79504},{"sentences":[{"text":"It seems that, anyway, at the moment, a lot of people think you have to wait till 67, but that is just eight pension if you're eligible for it.","start":857.51996,"end":865.51996,"sentiment":"neutral","sentiment_score":-0.06873718225236597},{"text":"You can with the current legislation, if you decide that you wanna retire, you can access everything tax free at 60.","start":865.51996,"end":873.675,"sentiment":"neutral","sentiment_score":0.05377533978649548},{"text":"Yep.","start":875.975,"end":876.475,"sentiment":"neutral","sentiment_score":0.04787864908576012},{"text":"So everything tax free, if you decide when you turn 60, you go, no.","start":877.895,"end":881.255,"sentiment":"neutral","sentiment_score":0.03760316661958184},{"text":"I wanna retire.","start":881.255,"end":882.21497,"sentiment":"neutral","sentiment_score":0.01199287548661232}],"sentiment":"neutral","sentiment_score":-0.0037322726703303702,"num_words":68,"start":857.51996,"end":882.21497},{"sentences":[{"text":"You can take everything tax free from super.","start":882.21497,"end":884.635,"sentiment":"neutral","sentiment_score":0.07384681282564998},{"text":"Most people, yeah, think they have to wait till 67, and that is just age pension.","start":886.06,"end":890.06,"sentiment":"neutral","sentiment_score":-0.03630862385034561},{"text":"So if you do decide you turn 60 and you go, woo hoo.","start":890.06,"end":893.02,"sentiment":"neutral","sentiment_score":0.2172036893092669},{"text":"I wanna take everything.","start":893.02,"end":894.16,"sentiment":"positive","sentiment_score":0.3712340518832207},{"text":"That's fine.","start":894.86,"end":895.6,"sentiment":"positive","sentiment_score":0.442654013633728}],"sentiment":"neutral","sentiment_score":0.12101694690280182,"num_words":43,"start":882.21497,"end":895.6},{"sentences":[{"text":"Just be mindful then that age pension doesn't kick in until 67 that it needs to last until age pension.","start":895.74,"end":906.695,"sentiment":"neutral","sentiment_score":0.0342314844019711},{"text":"Or a lot of people, what they do at 60, if you wanna, like, go down to part time, is that you reduce your hours a little bit and draw a bit of an income from superannuation under a transition to retirement strategy, which is very tax effective, which we can obviously look at when when that comes into play, which is where you can draw some money from super tax free, doing some contributions into super if you're still working, and basically end up with the same income at the end of the day.","start":906.83496,"end":939.055,"sentiment":"neutral","sentiment_score":0.23659149471082186},{"text":"So it's basically designed for where you are then kind of literally transitioning into retirement.","start":939.055,"end":943.91,"sentiment":"neutral","sentiment_score":0.33221181233723956},{"text":"So you still wanna work.","start":943.91,"end":945.02997,"sentiment":"neutral","sentiment_score":0.28051296770572665},{"text":"You just wanna reduce your hours, but obviously need the same amount of income to cover bills and expenses and stuff like that.","start":945.02997,"end":950.41,"sentiment":"neutral","sentiment_score":0.14352790493032205}],"sentiment":"neutral","sentiment_score":0.20789687039589957,"num_words":158,"start":895.74,"end":950.41},{"sentences":[{"text":"Yeah.","start":952.70996,"end":953.20996,"sentiment":"neutral","sentiment_score":0.00949179381132126},{"text":"So but, yeah, otherwise, 60 if you stop working.","start":953.26996,"end":956.25,"sentiment":"neutral","sentiment_score":-0.10574369173910883},{"text":"Yeah.","start":959.225,"end":959.725,"sentiment":"neutral","sentiment_score":-0.0524996854364872},{"text":"Now other changes.","start":962.265,"end":963.545,"sentiment":"neutral","sentiment_score":-0.05623353521029154},{"text":"So I'll just go through the bit of the fax on here and see if there's anything else that's changed for you.","start":963.545,"end":968.765,"sentiment":"neutral","sentiment_score":0.0143870942463929}],"sentiment":"neutral","sentiment_score":-0.02352460137464934,"num_words":36,"start":952.70996,"end":968.765},{"sentences":[{"text":"Personal information, I have you down here as in a defector relationship with no financial dependent.","start":970.32996,"end":977.31,"sentiment":"neutral","sentiment_score":-0.001645961485337466},{"text":"Is that correct?","start":977.45,"end":978.26996,"sentiment":"neutral","sentiment_score":0.004429791743556659},{"text":"Oh, financial dependent as in, like, kids that lives at home.","start":985.865,"end":989.805,"sentiment":"neutral","sentiment_score":-0.028751389546827835},{"text":"No.","start":990.745,"end":991.245,"sentiment":"neutral","sentiment_score":-0.06840834021568298},{"text":"Yeah.","start":991.625,"end":992.125,"sentiment":"neutral","sentiment_score":-0.04093511030077934}],"sentiment":"neutral","sentiment_score":-0.013707960752071813,"num_words":32,"start":970.32996,"end":992.125},{"sentences":[{"text":"Yeah.","start":994.185,"end":994.685,"sentiment":"neutral","sentiment_score":-0.05397531017661095},{"text":"No.","start":996.185,"end":996.425,"sentiment":"neutral","sentiment_score":-0.10614299029111862},{"text":"Perfect.","start":996.425,"end":996.925,"sentiment":"neutral","sentiment_score":-0.02518594264984131},{"text":"Occupation wise, we've already gone over your income, but has your role or anything like that changed or still doing the same thing?","start":998.43,"end":1005.73,"sentiment":"neutral","sentiment_score":-0.06602816413278165},{"text":"Yeah.","start":1010.52496,"end":1010.845,"sentiment":"neutral","sentiment_score":-0.13706400990486145}],"sentiment":"neutral","sentiment_score":-0.06818577881764483,"num_words":27,"start":994.185,"end":1010.845},{"sentences":[{"text":"What are you so are you still working for the local government council, just doing something different?","start":1010.845,"end":1016.46497,"sentiment":"neutral","sentiment_score":-0.07435054507325678},{"text":"Yeah.","start":1021.485,"end":1021.985,"sentiment":"neutral","sentiment_score":-0.019984401762485504},{"text":"Just need a little change.","start":1022.285,"end":1023.505,"sentiment":"neutral","sentiment_score":-0.054595541954040525},{"text":"Mhmm.","start":1026.2,"end":1026.7,"sentiment":"neutral","sentiment_score":-0.0730474591255188},{"text":"Mhmm.","start":1032.9199,"end":1033.1599,"sentiment":"neutral","sentiment_score":-0.07034962624311447}],"sentiment":"neutral","sentiment_score":-0.06801273852586746,"num_words":25,"start":1010.845,"end":1033.1599},{"sentences":[{"text":"Okay.","start":1033.1599,"end":1033.6599,"sentiment":"neutral","sentiment_score":-0.06192385405302048},{"text":"Okay.","start":1038.375,"end":1038.875,"sentiment":"neutral","sentiment_score":-0.04435926675796509},{"text":"Okay.","start":1039.255,"end":1039.755,"sentiment":"neutral","sentiment_score":-0.03882552683353424},{"text":"If anything change Yeah.","start":1039.815,"end":1042.395,"sentiment":"neutral","sentiment_score":-0.07525259628891945},{"text":"Yeah.","start":1042.615,"end":1042.855,"sentiment":"neutral","sentiment_score":0.03508786857128143}],"sentiment":"neutral","sentiment_score":-0.05137889552861452,"num_words":8,"start":1033.1599,"end":1042.855},{"sentences":[{"text":"Just let us know if you need any information or if we need to reassess anything there for you.","start":1042.855,"end":1047.355,"sentiment":"neutral","sentiment_score":0.021640659604025513},{"text":"Asset wise, your property I have here was last died at about 07:50.","start":1048.9349,"end":1054.01,"sentiment":"neutral","sentiment_score":-0.08953222259879112},{"text":"Is that still kind of the case?","start":1054.23,"end":1055.67,"sentiment":"neutral","sentiment_score":-0.053134586928146224},{"text":"Would you know if that went up a little bit?","start":1055.67,"end":1057.77,"sentiment":"neutral","sentiment_score":-0.049754511564970016},{"text":"Oh, wow.","start":1062.4851,"end":1063.2051,"sentiment":"neutral","sentiment_score":0.11330658942461012}],"sentiment":"neutral","sentiment_score":-0.02736510601186869,"num_words":51,"start":1042.855,"end":1063.2051},{"sentences":[{"text":"Is that fairly similar to yours?","start":1063.2051,"end":1064.645,"sentiment":"neutral","sentiment_score":0.043296889712413154},{"text":"Do you know?","start":1064.645,"end":1065.385,"sentiment":"neutral","sentiment_score":-0.005896851109961669},{"text":"Mhmm.","start":1069.4451,"end":1069.9451,"sentiment":"neutral","sentiment_score":-0.02581533789634705},{"text":"Mhmm.","start":1070.4851,"end":1070.9851,"sentiment":"neutral","sentiment_score":-0.05452553182840347},{"text":"The same?","start":1076.1,"end":1076.6599,"sentiment":"neutral","sentiment_score":0.000926596112549305}],"sentiment":"neutral","sentiment_score":0.012584854418841692,"num_words":13,"start":1063.2051,"end":1076.6599},{"sentences":[{"text":"Okay.","start":1076.6599,"end":1077.1599,"sentiment":"neutral","sentiment_score":0.021330947056412697},{"text":"And about 90 yeah.","start":1077.22,"end":1079.5399,"sentiment":"neutral","sentiment_score":0.04108736524358392},{"text":"Perfect.","start":1079.5399,"end":1080.0199,"sentiment":"neutral","sentiment_score":0.3000050187110901},{"text":"And about 91 owing on the mortgage.","start":1080.0199,"end":1082.7599,"sentiment":"neutral","sentiment_score":0.04649686414216246},{"text":"80?","start":1085.7,"end":1086.2,"sentiment":"neutral","sentiment_score":0.015925871208310127}],"sentiment":"neutral","sentiment_score":0.05907781049609184,"num_words":14,"start":1076.6599,"end":1086.2},{"sentences":[{"text":"Oh, nice.","start":1086.2599,"end":1087.0,"sentiment":"neutral","sentiment_score":0.12797902151942253},{"text":"Change that.","start":1087.86,"end":1088.84,"sentiment":"neutral","sentiment_score":0.00953197106719017},{"text":"Current 80.","start":1092.215,"end":1092.9349,"sentiment":"neutral","sentiment_score":0.001818191260099411},{"text":"Okay.","start":1092.9349,"end":1093.335,"sentiment":"neutral","sentiment_score":0.07994519174098969},{"text":"Perfect.","start":1093.335,"end":1093.835,"sentiment":"neutral","sentiment_score":0.15846973657608032}],"sentiment":"neutral","sentiment_score":0.06463416200131178,"num_words":8,"start":1086.2599,"end":1093.835},{"sentences":[{"text":"And do you own a motor vehicle or a boat or motorbike or anything?","start":1095.495,"end":1100.315,"sentiment":"neutral","sentiment_score":0.03669688112235495},{"text":"Nope.","start":1102.47,"end":1102.97,"sentiment":"neutral","sentiment_score":-0.08215468376874924},{"text":"Ah, yes.","start":1103.51,"end":1104.0701,"sentiment":"neutral","sentiment_score":0.07691255956888199},{"text":"Perfect.","start":1104.0701,"end":1104.5701,"sentiment":"neutral","sentiment_score":0.22603021562099457},{"text":"And I also have here investment share.","start":1105.11,"end":1107.1901,"sentiment":"neutral","sentiment_score":0.09640520066022873}],"sentiment":"neutral","sentiment_score":0.05945173565298319,"num_words":25,"start":1095.495,"end":1107.1901},{"sentences":[{"text":"It's about 25,000.","start":1107.1901,"end":1108.65,"sentiment":"neutral","sentiment_score":0.03346108521024386},{"text":"Better fluctuations.","start":1117.525,"end":1118.425,"sentiment":"neutral","sentiment_score":-0.16639019548892975},{"text":"Yeah.","start":1118.885,"end":1119.385,"sentiment":"neutral","sentiment_score":-0.03713437914848328},{"text":"Yep.","start":1125.2051,"end":1125.54,"sentiment":"neutral","sentiment_score":0.0019415104761719704},{"text":"Perfect.","start":1125.7001,"end":1126.2001,"sentiment":"positive","sentiment_score":0.5354903936386108}],"sentiment":"neutral","sentiment_score":0.03348754870239645,"num_words":8,"start":1107.1901,"end":1126.2001},{"sentences":[{"text":"Any other changes to your assets in the last twelve months?","start":1126.42,"end":1128.9,"sentiment":"neutral","sentiment_score":0.06962108374996619},{"text":"Any other new assets or liabilities or anything we haven't gone over?","start":1128.9,"end":1133.48,"sentiment":"neutral","sentiment_score":0.015746709580222767},{"text":"Okay.","start":1142.435,"end":1142.935,"sentiment":"neutral","sentiment_score":-0.016445422545075417},{"text":"Is that just gonna savings in the bank at the moment, or is that going to the mortgage?","start":1143.555,"end":1147.5751,"sentiment":"neutral","sentiment_score":-0.03424330914600028},{"text":"Yeah.","start":1149.795,"end":1150.295,"sentiment":"neutral","sentiment_score":0.020658552646636963}],"sentiment":"neutral","sentiment_score":0.007968046550833902,"num_words":43,"start":1126.42,"end":1150.295},{"sentences":[{"text":"Yep.","start":1151.66,"end":1152.16,"sentiment":"neutral","sentiment_score":0.09397264569997787},{"text":"Perfect.","start":1152.3,"end":1152.8,"sentiment":"neutral","sentiment_score":0.29340362548828125},{"text":"Otherwise, health and lifestyle wise, still a nonsmoker?","start":1154.78,"end":1159.04,"sentiment":"neutral","sentiment_score":0.1299475133419037},{"text":"Perfect.","start":1161.82,"end":1162.3,"sentiment":"neutral","sentiment_score":0.33014652132987976},{"text":"And any changes significant changes to your health?","start":1162.3,"end":1165.535,"sentiment":"neutral","sentiment_score":0.05384074570611119}],"sentiment":"neutral","sentiment_score":0.11514888762643463,"num_words":19,"start":1151.66,"end":1165.535},{"sentences":[{"text":"Any issues or injuries or anything?","start":1165.8351,"end":1167.8551,"sentiment":"neutral","sentiment_score":-0.0033219832306106887},{"text":"Okay.","start":1171.755,"end":1172.255,"sentiment":"neutral","sentiment_score":0.32604342699050903},{"text":"That's that's a good change.","start":1172.4751,"end":1174.0951,"sentiment":"positive","sentiment_score":0.575288712978363},{"text":"Oh, beautiful.","start":1188.985,"end":1189.705,"sentiment":"positive","sentiment_score":0.44582703709602356},{"text":"And are you enjoying it?","start":1189.705,"end":1191.085,"sentiment":"positive","sentiment_score":0.3898371696472168}],"sentiment":"neutral","sentiment_score":0.3170207902593048,"num_words":19,"start":1165.8351,"end":1191.085},{"sentences":[{"text":"Yes.","start":1194.6649,"end":1195.1649,"sentiment":"neutral","sentiment_score":0.07473891228437424},{"text":"Mhmm.","start":1199.225,"end":1199.725,"sentiment":"neutral","sentiment_score":-0.003151770681142807},{"text":"Oh, wow.","start":1204.28,"end":1204.94,"sentiment":"neutral","sentiment_score":0.21571672707796097},{"text":"That's great.","start":1205.24,"end":1206.14,"sentiment":"positive","sentiment_score":0.3485231101512909},{"text":"Wow.","start":1224.895,"end":1225.215,"sentiment":"neutral","sentiment_score":-0.03569000959396362}],"sentiment":"neutral","sentiment_score":0.1663395437811102,"num_words":7,"start":1194.6649,"end":1225.215},{"sentences":[{"text":"Because putting on that much much muscle is hard because, obviously, muscles weigh more than fat as well.","start":1225.215,"end":1231.0,"sentiment":"neutral","sentiment_score":-0.10473900929921204},{"text":"So it's like putting on that muscle while still, you know, getting healthier, that's a very good achievement.","start":1231.0,"end":1236.46,"sentiment":"neutral","sentiment_score":0.08624843839142057},{"text":"Exactly.","start":1253.75,"end":1254.25,"sentiment":"neutral","sentiment_score":-0.05876749008893967},{"text":"Mhmm.","start":1260.39,"end":1260.89,"sentiment":"neutral","sentiment_score":-0.01074444316327572},{"text":"Converted.","start":1261.51,"end":1262.01,"sentiment":"neutral","sentiment_score":-0.015511669218540192}],"sentiment":"neutral","sentiment_score":-0.010714202020794917,"num_words":39,"start":1225.215,"end":1262.01},{"sentences":[{"text":"Mhmm.","start":1262.95,"end":1263.45,"sentiment":"neutral","sentiment_score":-0.0021303698886185884},{"text":"Yeah.","start":1265.045,"end":1265.545,"sentiment":"neutral","sentiment_score":0.26383116841316223},{"text":"That's perfect.","start":1266.885,"end":1267.545,"sentiment":"positive","sentiment_score":0.7949716746807098},{"text":"Yeah.","start":1269.445,"end":1269.945,"sentiment":"positive","sentiment_score":0.364010751247406},{"text":"And it's good to do it's good to do those scans as well because it does give you motivation because sometimes if you if you keep going and going and, you know, yeah, you notice if you put more weight on, so you obviously get stronger.","start":1270.725,"end":1284.67,"sentiment":"neutral","sentiment_score":0.27322414614584134}],"sentiment":"neutral","sentiment_score":0.28988167885964844,"num_words":51,"start":1262.95,"end":1284.67},{"sentences":[{"text":"But it is nice to do the scans every now and then to see, like, actual other changes because sometimes on a daily, you you you see yourself all the time.","start":1285.37,"end":1294.455,"sentiment":"neutral","sentiment_score":0.1983198038031978},{"text":"So it's sometimes harder to notice the changes, so this scan's like a nice little check-in.","start":1294.455,"end":1299.755,"sentiment":"neutral","sentiment_score":0.18252360180485994},{"text":"Oh, yes.","start":1323.505,"end":1324.0851,"sentiment":"neutral","sentiment_score":0.10270784422755241},{"text":"Yeah.","start":1324.625,"end":1325.125,"sentiment":"neutral","sentiment_score":0.07931806147098541},{"text":"Yeah.","start":1331.4401,"end":1331.8401,"sentiment":"neutral","sentiment_score":0.1518256664276123}],"sentiment":"neutral","sentiment_score":0.18636962672805085,"num_words":51,"start":1285.37,"end":1331.8401},{"sentences":[{"text":"Yeah.","start":1331.8401,"end":1332.0,"sentiment":"neutral","sentiment_score":0.15295705199241638},{"text":"Oh, that's good.","start":1332.0,"end":1332.7201,"sentiment":"neutral","sentiment_score":0.2666373898585637},{"text":"Well, that's a really good really good to hear.","start":1332.7201,"end":1335.4601,"sentiment":"neutral","sentiment_score":0.26523252783550155},{"text":"And estate planning wise, do you have a will or anything like that in place?","start":1337.68,"end":1343.9401,"sentiment":"neutral","sentiment_score":0.01418376478056113},{"text":"No.","start":1345.5651,"end":1346.045,"sentiment":"neutral","sentiment_score":-0.06697537004947662}],"sentiment":"neutral","sentiment_score":0.12019803702574351,"num_words":29,"start":1331.8401,"end":1346.045},{"sentences":[{"text":"That's all good.","start":1346.045,"end":1347.185,"sentiment":"neutral","sentiment_score":0.015777424598733585},{"text":"I'm sorry.","start":1350.645,"end":1354.925,"sentiment":"neutral","sentiment_score":-0.03524521738290787},{"text":"If you don't have a will in place, it will obviously go through, like, the system and through the termination of who are potentially most suited for it.","start":1354.925,"end":1367.8,"sentiment":"neutral","sentiment_score":-0.04184896352567843},{"text":"So they can obviously decide who they think have the highest right to your assets.","start":1368.3401,"end":1374.68,"sentiment":"neutral","sentiment_score":0.14854024400313695},{"text":"So it is good to have because in the event that someone try to contest anything, sometimes straightforward, it can just go to the partner, but that's not always the case.","start":1376.275,"end":1389.65,"sentiment":"neutral","sentiment_score":0.26843301807680436}],"sentiment":"neutral","sentiment_score":0.11841263393340987,"num_words":79,"start":1346.045,"end":1389.65},{"sentences":[{"text":"So because sometimes, unfortunately, when people do pass away, sometimes it doesn't bring out the best in people at times.","start":1389.65,"end":1398.9501,"sentiment":"neutral","sentiment_score":-0.04426479395478964},{"text":"So there can be instances with someone else decide to contest it to be like, no.","start":1399.25,"end":1404.905,"sentiment":"neutral","sentiment_score":-0.002923332154750824},{"text":"You know, x y zed, I want access to this and this and this.","start":1405.765,"end":1409.945,"sentiment":"neutral","sentiment_score":0.10528180535350527},{"text":"So having a will in place just means that certainty for you that if something were to happen, you have stipulated that legally you would like this to go to this person or multiple people or split it however you want.","start":1410.565,"end":1424.9299,"sentiment":"neutral","sentiment_score":0.3039680901097088},{"text":"So it just provides you with, yeah, more certainty in regards to that and and eliminates someone else trying to come in and take your assets, essentially, if that's not who you actually wanted to go to.","start":1426.19,"end":1439.725,"sentiment":"neutral","sentiment_score":0.2003282844214826}],"sentiment":"neutral","sentiment_score":0.15950558046461083,"num_words":128,"start":1389.65,"end":1439.725},{"sentences":[{"text":"And and do you guys have somewhere local that you you know that you could get it sorted through, or do you need some information regards to someone?","start":1442.505,"end":1458.39,"sentiment":"neutral","sentiment_score":0.06671554794801134},{"text":"Yep.","start":1462.1951,"end":1462.6951,"sentiment":"neutral","sentiment_score":0.010897531174123287},{"text":"Mhmm.","start":1465.3151,"end":1465.8151,"sentiment":"neutral","sentiment_score":0.006450597662478685},{"text":"Mhmm.","start":1470.755,"end":1471.255,"sentiment":"neutral","sentiment_score":-0.010058445855975153},{"text":"Yeah.","start":1472.59,"end":1473.09,"sentiment":"neutral","sentiment_score":0.08960404992103577}],"sentiment":"neutral","sentiment_score":0.06140403360768687,"num_words":32,"start":1442.505,"end":1473.09},{"sentences":[{"text":"And that is perfectly fine.","start":1473.15,"end":1474.51,"sentiment":"neutral","sentiment_score":0.12460174858570099},{"text":"Sometimes people prefer that.","start":1474.51,"end":1476.13,"sentiment":"neutral","sentiment_score":0.10243127681314945},{"text":"Yeah.","start":1479.71,"end":1480.21,"sentiment":"neutral","sentiment_score":0.09942083060741425},{"text":"Straight away.","start":1480.59,"end":1481.39,"sentiment":"neutral","sentiment_score":0.0847182497382164},{"text":"Yeah.","start":1481.39,"end":1481.89,"sentiment":"neutral","sentiment_score":0.044062815606594086}],"sentiment":"neutral","sentiment_score":0.10351184583627261,"num_words":13,"start":1473.15,"end":1481.89},{"sentences":[{"text":"Now the good thing as well with so with your estate super and insurances, it does not form part of the estate.","start":1484.19,"end":1493.235,"sentiment":"neutral","sentiment_score":0.09768849543549797},{"text":"So that is separate.","start":1493.935,"end":1495.555,"sentiment":"neutral","sentiment_score":0.06777393817901611},{"text":"Now if there is no valid nomination in place, it will go through the estate, but you have valid nominations in place.","start":1495.615,"end":1502.93,"sentiment":"neutral","sentiment_score":0.03958515467291528},{"text":"So that wouldn't fall form part of the estate.","start":1503.15,"end":1505.89,"sentiment":"neutral","sentiment_score":0.051508917990658015},{"text":"So if something were to happen, I have everything going to Anne at the moment at a 100%.","start":1506.03,"end":1510.61,"sentiment":"neutral","sentiment_score":0.16050289736853707}],"sentiment":"neutral","sentiment_score":0.0885833129286766,"num_words":75,"start":1484.19,"end":1510.61},{"sentences":[{"text":"So that would straight go to her anyway.","start":1510.99,"end":1515.01,"sentiment":"neutral","sentiment_score":0.05072003183886409},{"text":"So people can't really contest that.","start":1516.1849,"end":1518.0449,"sentiment":"neutral","sentiment_score":-0.14317368840177855},{"text":"So that's good.","start":1519.865,"end":1520.9249,"sentiment":"neutral","sentiment_score":-0.10108751058578491},{"text":"Yeah.","start":1528.12,"end":1528.44,"sentiment":"neutral","sentiment_score":-0.10724393278360368},{"text":"Okay.","start":1528.44,"end":1528.94,"sentiment":"neutral","sentiment_score":-0.05628420412540436}],"sentiment":"neutral","sentiment_score":-0.04842487075611165,"num_words":19,"start":1510.99,"end":1528.94},{"sentences":[{"text":"Yep.","start":1529.08,"end":1529.58,"sentiment":"neutral","sentiment_score":-0.03804584965109825},{"text":"Mhmm.","start":1532.36,"end":1532.86,"sentiment":"negative","sentiment_score":-0.3648942112922669},{"text":"Yeah.","start":1539.255,"end":1539.755,"sentiment":"neutral","sentiment_score":-0.10059922188520432},{"text":"So then it's hard.","start":1546.535,"end":1547.755,"sentiment":"negative","sentiment_score":-0.4362978860735893},{"text":"Yeah.","start":1548.215,"end":1548.715,"sentiment":"neutral","sentiment_score":-0.10262325406074524}],"sentiment":"neutral","sentiment_score":-0.293919260147959,"num_words":8,"start":1529.08,"end":1548.715},{"sentences":[{"text":"Yeah.","start":1549.735,"end":1550.235,"sentiment":"neutral","sentiment_score":-0.04190150648355484},{"text":"Right.","start":1561.5599,"end":1562.0599,"sentiment":"neutral","sentiment_score":-0.08345304429531097},{"text":"Yeah.","start":1562.6,"end":1563.1,"sentiment":"neutral","sentiment_score":-0.05904074013233185},{"text":"It doesn't.","start":1567.895,"end":1568.555,"sentiment":"neutral","sentiment_score":-0.22027545422315598},{"text":"Yeah.","start":1569.575,"end":1570.075,"sentiment":"neutral","sentiment_score":-0.21048030257225037}],"sentiment":"neutral","sentiment_score":-0.13923775032162666,"num_words":6,"start":1549.735,"end":1570.075},{"sentences":[{"text":"Yes.","start":1572.695,"end":1573.195,"sentiment":"neutral","sentiment_score":-0.07587818056344986},{"text":"Okay.","start":1575.495,"end":1575.995,"sentiment":"neutral","sentiment_score":-0.06287788599729538},{"text":"Yeah.","start":1578.12,"end":1578.62,"sentiment":"neutral","sentiment_score":-0.02151271142065525},{"text":"And so you would know firsthand with Will and contesting and experiences and yeah.","start":1578.76,"end":1588.07,"sentiment":"neutral","sentiment_score":-0.021722426771053245},{"text":"It's it doesn't it's not a great thing.","start":1588.525,"end":1590.845,"sentiment":"neutral","sentiment_score":-0.26549106976017356}],"sentiment":"neutral","sentiment_score":-0.10353245243430137,"num_words":25,"start":1572.695,"end":1590.845},{"sentences":[{"text":"Very messy.","start":1590.845,"end":1591.665,"sentiment":"neutral","sentiment_score":-0.27070386707782745},{"text":"Sorry.","start":1591.725,"end":1592.045,"sentiment":"neutral","sentiment_score":-0.08188466727733612},{"text":"We wanna make sure we have Yeah.","start":1592.045,"end":1596.705,"sentiment":"neutral","sentiment_score":0.08210029240165438},{"text":"I'm very grateful.","start":1597.965,"end":1599.025,"sentiment":"neutral","sentiment_score":0.11780946453412373},{"text":"Mhmm.","start":1599.8049,"end":1600.3049,"sentiment":"neutral","sentiment_score":-0.09564664959907532}],"sentiment":"neutral","sentiment_score":0.014942242098706109,"num_words":14,"start":1590.845,"end":1600.3049},{"sentences":[{"text":"Yeah.","start":1603.28,"end":1603.78,"sentiment":"neutral","sentiment_score":-0.15360765159130096},{"text":"Yeah.","start":1607.68,"end":1608.18,"sentiment":"neutral","sentiment_score":0.0035584401339292526},{"text":"Yeah.","start":1620.0149,"end":1620.5149,"sentiment":"neutral","sentiment_score":-0.006379509344696999},{"text":"Yeah.","start":1620.6549,"end":1621.1549,"sentiment":"neutral","sentiment_score":-0.00005239062011241913},{"text":"No.","start":1623.695,"end":1624.095,"sentiment":"neutral","sentiment_score":-0.1580769121646881}],"sentiment":"neutral","sentiment_score":-0.06291160471737385,"num_words":5,"start":1603.28,"end":1624.095},{"sentences":[{"text":"And I hear it all the time.","start":1624.095,"end":1625.9349,"sentiment":"neutral","sentiment_score":-0.19113855063915253},{"text":"It's all the time.","start":1625.9349,"end":1627.77,"sentiment":"neutral","sentiment_score":-0.18811549991369247},{"text":"And we obviously because we obviously manage your super and insurances, we see it from that point of view as well, which is why we stress the importance of having nominations, which you do now, which is great, in place.","start":1628.39,"end":1639.45,"sentiment":"neutral","sentiment_score":0.10683573856949806},{"text":"So those people who don't and it's obviously something would've happened.","start":1639.67,"end":1643.5651,"sentiment":"neutral","sentiment_score":-0.25243221765214746},{"text":"The amount of people that can call and trying to get anything, it's it does not always bring out the best in people, unfortunately.","start":1643.5651,"end":1651.505,"sentiment":"negative","sentiment_score":-0.3772367400427659}],"sentiment":"neutral","sentiment_score":-0.11217951705289442,"num_words":86,"start":1624.095,"end":1651.505},{"sentences":[{"text":"So, yes, it's very important to have have it all in order.","start":1652.925,"end":1656.41,"sentiment":"positive","sentiment_score":0.3375887908041477},{"text":"And at least you have, like I said, the the super and everything sorted, and then it would just be, obviously, the will when you have a moment to have it to have a look at it.","start":1656.41,"end":1666.43,"sentiment":"neutral","sentiment_score":0.18389923764845809},{"text":"Depends on how you guys have it structured.","start":1672.745,"end":1675.485,"sentiment":"neutral","sentiment_score":0.0317593056242913},{"text":"So there are different ways you can have it structured.","start":1675.945,"end":1678.825,"sentiment":"neutral","sentiment_score":0.06559950336813927},{"text":"So you can have, like, tenants in common or joint tenants.","start":1678.825,"end":1683.1901,"sentiment":"neutral","sentiment_score":0.06081762266429988}],"sentiment":"neutral","sentiment_score":0.1594153924439198,"num_words":78,"start":1652.925,"end":1683.1901},{"sentences":[{"text":"So there's different ways you can have it structured.","start":1683.1901,"end":1685.53,"sentiment":"neutral","sentiment_score":0.07450835406780243},{"text":"But, basically, tenants in common is basically where you have one portion and she has one portion, and your portion can give through whoever you want.","start":1687.03,"end":1698.445,"sentiment":"neutral","sentiment_score":0.06776481336699082},{"text":"So if something were to happen, let's say you own 50%, you can then say, okay.","start":1698.445,"end":1702.525,"sentiment":"neutral","sentiment_score":0.03401592071168125},{"text":"Well, if something were to happen to my I want my 50% to go through x y z.","start":1702.525,"end":1706.625,"sentiment":"neutral","sentiment_score":0.012764248686532179},{"text":"But, otherwise, you have, like, a joint tenancy, which is more common, and that is basically where you have fifty fifty ownership.","start":1708.27,"end":1717.41,"sentiment":"neutral","sentiment_score":0.05524694022129883}],"sentiment":"neutral","sentiment_score":0.04859235414027513,"num_words":91,"start":1683.1901,"end":1717.41},{"sentences":[{"text":"And then if, let's say, you would have passed away, it would automatically go through the other person, etcetera.","start":1718.4299,"end":1723.89,"sentiment":"neutral","sentiment_score":0.029457461530048596},{"text":"Oh, that's it's it's a lot to do.","start":1731.425,"end":1733.505,"sentiment":"neutral","sentiment_score":0.06586286844685674},{"text":"We have to do a lot of studies.","start":1733.505,"end":1735.125,"sentiment":"neutral","sentiment_score":0.002645295113325119},{"text":"But but yeah.","start":1735.745,"end":1737.125,"sentiment":"neutral","sentiment_score":0.009135804139077663},{"text":"It's but, yeah, your if you do speak to a lawyer as well, they would be obviously the best pass person in regards to all of this and to make sure it.","start":1737.32,"end":1746.04,"sentiment":"neutral","sentiment_score":0.04119831194111612}],"sentiment":"neutral","sentiment_score":0.03505014960121896,"num_words":70,"start":1718.4299,"end":1746.04},{"sentences":[{"text":"But, yeah, most of the time, people have that joint tenancy agreement.","start":1746.04,"end":1749.98,"sentiment":"neutral","sentiment_score":0.04558064695447683},{"text":"Yeah.","start":1751.085,"end":1751.585,"sentiment":"neutral","sentiment_score":0.15109768509864807},{"text":"Yep.","start":1755.485,"end":1755.965,"sentiment":"neutral","sentiment_score":0.1980421543121338},{"text":"Perfect.","start":1755.965,"end":1756.465,"sentiment":"positive","sentiment_score":0.40186208486557007},{"text":"Now, otherwise, obviously, aside from the world, doing some renovations, doing a bit of extra contributions to Sousa, is there anything else that you guys are working towards, or that's kind of your main point at the moment?","start":1757.565,"end":1768.4,"sentiment":"neutral","sentiment_score":0.07875616921994247}],"sentiment":"neutral","sentiment_score":0.08095668147335637,"num_words":53,"start":1746.04,"end":1768.4},{"sentences":[{"text":"Yeah.","start":1771.18,"end":1771.68,"sentiment":"neutral","sentiment_score":-0.027766695246100426},{"text":"Yeah.","start":1773.26,"end":1773.76,"sentiment":"neutral","sentiment_score":-0.036627642810344696},{"text":"That'd be nice.","start":1774.06,"end":1775.04,"sentiment":"neutral","sentiment_score":-0.12466861307621002},{"text":"Oh, yeah.","start":1775.9,"end":1776.56,"sentiment":"neutral","sentiment_score":-0.001399143598973751},{"text":"Now do you have access to your emails at the moment or not really right now?","start":1778.475,"end":1782.015,"sentiment":"neutral","sentiment_score":-0.009995747415814549}],"sentiment":"neutral","sentiment_score":-0.026136105353741543,"num_words":23,"start":1771.18,"end":1782.015},{"sentences":[{"text":"Yes?","start":1783.835,"end":1784.315,"sentiment":"neutral","sentiment_score":0.035346418619155884},{"text":"Okay.","start":1784.315,"end":1784.715,"sentiment":"neutral","sentiment_score":0.1162850186228752},{"text":"Perfect.","start":1784.715,"end":1785.115,"sentiment":"neutral","sentiment_score":0.2651636004447937},{"text":"So I have sent you an email with some documents.","start":1785.115,"end":1787.9349,"sentiment":"neutral","sentiment_score":0.16088485717773438},{"text":"Just same as last time, just a bit of an update on everything for you.","start":1788.635,"end":1792.895,"sentiment":"neutral","sentiment_score":0.1575062190492948}],"sentiment":"neutral","sentiment_score":0.1567227462572711,"num_words":28,"start":1783.835,"end":1792.895},{"sentences":[{"text":"If you can access that for me.","start":1794.5399,"end":1796.48,"sentiment":"neutral","sentiment_score":0.10133190985236849},{"text":"We have recently changed the software as well, so it can sometimes end to stem.","start":1799.98,"end":1805.12,"sentiment":"neutral","sentiment_score":0.002453601857026418},{"text":"Alright.","start":1809.455,"end":1809.955,"sentiment":"neutral","sentiment_score":0.021824851632118225},{"text":"Mhmm.","start":1810.015,"end":1810.515,"sentiment":"neutral","sentiment_score":0.01942266710102558},{"text":"Yep.","start":1811.295,"end":1811.795,"sentiment":"neutral","sentiment_score":0.04475783556699753}],"sentiment":"neutral","sentiment_score":0.033285310044884685,"num_words":25,"start":1794.5399,"end":1811.795},{"sentences":[{"text":"Okay.","start":1815.215,"end":1815.715,"sentiment":"neutral","sentiment_score":0.048821888864040375},{"text":"Probably around that.","start":1818.99,"end":1820.21,"sentiment":"neutral","sentiment_score":0.030888881534337997},{"text":"Yeah.","start":1825.39,"end":1825.89,"sentiment":"neutral","sentiment_score":0.04870013892650604},{"text":"I have here from from your yeah.","start":1825.95,"end":1828.59,"sentiment":"neutral","sentiment_score":0.04605462721415928},{"text":"Exactly.","start":1828.59,"end":1829.09,"sentiment":"neutral","sentiment_score":0.0940728634595871}],"sentiment":"neutral","sentiment_score":0.0466649174117125,"num_words":13,"start":1815.215,"end":1829.09},{"sentences":[{"text":"I have here a $100.91 per fortnight from your transaction.","start":1829.47,"end":1834.305,"sentiment":"neutral","sentiment_score":0.08704027235507965},{"text":"So alright.","start":1835.885,"end":1837.005,"sentiment":"neutral","sentiment_score":0.14677473157644272},{"text":"Perfect.","start":1837.005,"end":1837.505,"sentiment":"positive","sentiment_score":0.4051106572151184},{"text":"Now to make it easier for you, what order can you see the documents?","start":1838.765,"end":1844.0651,"sentiment":"neutral","sentiment_score":0.17956772499850818},{"text":"Sure.","start":1848.69,"end":1849.19,"sentiment":"neutral","sentiment_score":0.02123519591987133}],"sentiment":"neutral","sentiment_score":0.14658022106492094,"num_words":28,"start":1829.47,"end":1849.19},{"sentences":[{"text":"And it will ask you to click on the link where it's assigned documents, but it will allow you to open up everything and look at it first.","start":1850.13,"end":1856.79,"sentiment":"neutral","sentiment_score":0.09842666278460196},{"text":"Yes.","start":1861.875,"end":1862.375,"sentiment":"neutral","sentiment_score":0.06977853178977966},{"text":"Yes.","start":1862.755,"end":1863.235,"sentiment":"neutral","sentiment_score":0.07133981585502625},{"text":"Yep.","start":1863.235,"end":1863.735,"sentiment":"neutral","sentiment_score":0.06414396315813065},{"text":"Yes.","start":1866.4349,"end":1866.9349,"sentiment":"neutral","sentiment_score":0.02223297581076622}],"sentiment":"neutral","sentiment_score":0.09323255764320493,"num_words":32,"start":1850.13,"end":1866.9349},{"sentences":[{"text":"No.","start":1870.13,"end":1870.5299,"sentiment":"neutral","sentiment_score":-0.09485042095184326},{"text":"Sorry.","start":1870.5299,"end":1870.9299,"sentiment":"neutral","sentiment_score":-0.05086469277739525},{"text":"If you click on the link, it will actually allow you to look at everything first, and the documents will be your your super and your investments and everything like that.","start":1870.9299,"end":1879.8099,"sentiment":"neutral","sentiment_score":0.09343689367655784},{"text":"Only at the end will it ask you to sign if you're happy to do so, but you can see everything first.","start":1879.8099,"end":1885.5751,"sentiment":"neutral","sentiment_score":0.04608249571174383},{"text":"So can you see that super in insurance summary?","start":1892.755,"end":1895.2351,"sentiment":"neutral","sentiment_score":0.06376518060763676}],"sentiment":"neutral","sentiment_score":0.06778953314642422,"num_words":64,"start":1870.13,"end":1895.2351},{"sentences":[{"text":"Is that the one you're at at the moment?","start":1895.2351,"end":1896.935,"sentiment":"neutral","sentiment_score":0.03288410252167119},{"text":"Yes.","start":1901.5499,"end":1901.95,"sentiment":"neutral","sentiment_score":0.2056637853384018},{"text":"Beautiful.","start":1901.95,"end":1902.45,"sentiment":"positive","sentiment_score":0.4938046932220459},{"text":"Yeah.","start":1902.6699,"end":1903.1699,"sentiment":"neutral","sentiment_score":0.1104891300201416},{"text":"Correct.","start":1903.71,"end":1904.21,"sentiment":"neutral","sentiment_score":0.13857364654541016}],"sentiment":"neutral","sentiment_score":0.0957298598323877,"num_words":13,"start":1895.2351,"end":1904.21},{"sentences":[{"text":"Yeah.","start":1905.87,"end":1906.37,"sentiment":"neutral","sentiment_score":0.0889212042093277},{"text":"Perfect.","start":1906.99,"end":1907.47,"sentiment":"positive","sentiment_score":0.4895990788936615},{"text":"So, yeah, you can see here that you obviously have your super network.","start":1907.47,"end":1910.13,"sentiment":"neutral","sentiment_score":0.2723596715010129},{"text":"You can see your balance there at the moment as well.","start":1910.375,"end":1914.0751,"sentiment":"neutral","sentiment_score":0.2682969881729646},{"text":"And underneath that, you also have your insurances with TOW.","start":1914.4551,"end":1918.9551,"sentiment":"neutral","sentiment_score":0.1356573924422264}],"sentiment":"neutral","sentiment_score":0.234084355748362,"num_words":36,"start":1905.87,"end":1918.9551},{"sentences":[{"text":"So you have your life and total permanent disability insurance of 525,000 paid from within Netwealth.","start":1919.175,"end":1927.4299,"sentiment":"neutral","sentiment_score":0.15948400925844908},{"text":"You don't pay for it out of pocket.","start":1927.49,"end":1929.19,"sentiment":"neutral","sentiment_score":0.04744872311130166},{"text":"And after tax, you pay 2,360.","start":1929.65,"end":1934.47,"sentiment":"neutral","sentiment_score":0.0803064809491237},{"text":"Do you still have to do with that level of cover for life and TPD?","start":1935.17,"end":1938.63,"sentiment":"neutral","sentiment_score":-0.00011845007538795471},{"text":"Yep.","start":1940.635,"end":1941.135,"sentiment":"neutral","sentiment_score":0.2703721225261688}],"sentiment":"neutral","sentiment_score":0.08003843891555848,"num_words":46,"start":1919.175,"end":1941.135},{"sentences":[{"text":"Perfect.","start":1941.275,"end":1941.775,"sentiment":"positive","sentiment_score":0.5295554995536804},{"text":"It would obviously pay out the mortgage if something were to happen, cover your loss of income for quite some time or, you know, any medical expenses or anything that you might need.","start":1942.155,"end":1950.975,"sentiment":"neutral","sentiment_score":0.1436669406565753},{"text":"Now the next document, is that your asset performance detail with Netwealth?","start":1952.81,"end":1958.03,"sentiment":"neutral","sentiment_score":0.0711763830234607},{"text":"Yep.","start":1961.21,"end":1961.71,"sentiment":"neutral","sentiment_score":0.039978545159101486},{"text":"Now this one can look a little bit messy, but that breaks down all your individual investment.","start":1961.77,"end":1966.03,"sentiment":"neutral","sentiment_score":-0.015447455074857263}],"sentiment":"neutral","sentiment_score":0.09221957728732377,"num_words":64,"start":1941.275,"end":1966.03},{"sentences":[{"text":"So, obviously, like you touched on as well, the last twelve months have seen a little bit of fluctuations in the market.","start":1968.145,"end":1973.925,"sentiment":"neutral","sentiment_score":-0.03296171823008494},{"text":"Obviously, you had everything going on in The US with, obviously, Trump and and everything, and more recently, everything with the war.","start":1975.1051,"end":1983.7001,"sentiment":"neutral","sentiment_score":-0.16170780462297527},{"text":"So we've quite seen a bit of a mixed result of your investment.","start":1983.7001,"end":1988.2001,"sentiment":"negative","sentiment_score":-0.43934931319493514},{"text":"Now you can see here on the second column to the right where it says return percentage, you can see each and every single one of your investments individually outlined.","start":1988.9,"end":1999.655,"sentiment":"neutral","sentiment_score":0.030410579840342202},{"text":"So you can see here that gold, for example, was up at 17.84%, which is pretty crazy.","start":2001.155,"end":2007.1749,"sentiment":"neutral","sentiment_score":-0.025145695380428257}],"sentiment":"neutral","sentiment_score":-0.09143682692844707,"num_words":104,"start":1968.145,"end":2007.1749},{"sentences":[{"text":"Now the Benelon Australian Equity, do you remember getting an email around March in regards to an investment switch?","start":2008.5599,"end":2017.94,"sentiment":"neutral","sentiment_score":0.01956593250169566},{"text":"It wasn't anything you had to sign.","start":2021.0549,"end":2022.835,"sentiment":"neutral","sentiment_score":-0.0562335125037602},{"text":"No.","start":2022.975,"end":2023.135,"sentiment":"neutral","sentiment_score":-0.11139218509197236},{"text":"That's all good.","start":2023.135,"end":2024.275,"sentiment":"neutral","sentiment_score":0.09662521630525589},{"text":"Basically, what that email was is that the investment committee do research on the investments all the time to make sure that we always have you in the best position possible because there are things that's always changing.","start":2024.975,"end":2038.3799,"sentiment":"neutral","sentiment_score":0.16961751995902313}],"sentiment":"neutral","sentiment_score":0.09708922576871426,"num_words":68,"start":2008.5599,"end":2038.3799},{"sentences":[{"text":"So we do wanna make sure we are very proactive with it.","start":2038.7599,"end":2042.0599,"sentiment":"neutral","sentiment_score":0.25163474927345914},{"text":"At the same time, you don't wanna necessarily sell while things are down.","start":2042.6,"end":2046.8151,"sentiment":"neutral","sentiment_score":-0.21007612748787954},{"text":"If we if it's just a bit of a cyclical trend, then we foresee things coming back around.","start":2046.8151,"end":2051.155,"sentiment":"neutral","sentiment_score":-0.17307794011301464},{"text":"But at the same time, if there are a bit of kind of underlying lagging of the investment and we foresee it not being the best option moving forward, we also wanna make sure we change things into a more suitable option for you.","start":2051.7751,"end":2065.25,"sentiment":"neutral","sentiment_score":-0.32026911967179994},{"text":"So what's that one investment?","start":2065.71,"end":2067.57,"sentiment":"neutral","sentiment_score":-0.0329648993909359}],"sentiment":"neutral","sentiment_score":-0.18568957989792462,"num_words":92,"start":2038.7599,"end":2067.57},{"sentences":[{"text":"Which you can see here actually that that was the only investment that was down in your portfolio over the last twelve months.","start":2067.6301,"end":2074.205,"sentiment":"neutral","sentiment_score":-0.0982554729865945},{"text":"You can see that that was down quite a bit, the Benelon Australian equity, and that was changed for your BetaShares Australia 200.","start":2074.205,"end":2085.105,"sentiment":"neutral","sentiment_score":-0.0843362528020921},{"text":"So because we changed an Australian equity investment, they wanted to make sure that they swapped it for another Australian option because we wanna make sure things are very diversified for you.","start":2085.67,"end":2098.695,"sentiment":"neutral","sentiment_score":0.029945903981570154},{"text":"We don't want everything just in The US or everything in, you know, emerging markets.","start":2098.7751,"end":2103.0151,"sentiment":"neutral","sentiment_score":-0.0693166712919871},{"text":"We wanna make sure we keep things diversified.","start":2103.0151,"end":2105.0352,"sentiment":"neutral","sentiment_score":0.06847767159342766}],"sentiment":"neutral","sentiment_score":-0.036963063983781505,"num_words":101,"start":2067.6301,"end":2105.0352},{"sentences":[{"text":"But the BetaShares Australia 200, it is a little bit more simplified because it invests in the 200 largest companies listed in Australia on the ASX.","start":2106.135,"end":2117.22,"sentiment":"neutral","sentiment_score":0.06499965847111665},{"text":"As the company grows, gets bigger, it gets added to it.","start":2117.22,"end":2120.2,"sentiment":"neutral","sentiment_score":-0.07301529666239565},{"text":"And as the company gets smaller, it kind of comes off.","start":2120.3398,"end":2122.9,"sentiment":"neutral","sentiment_score":-0.18719512766057794},{"text":"So it's a little bit more stable than the Bennelong investment because that is a managed fund.","start":2122.9,"end":2128.915,"sentiment":"neutral","sentiment_score":0.2315807342529297},{"text":"So that one, we're actively buying and selling different investments in order to try to outperform the market.","start":2129.375,"end":2135.7952,"sentiment":"neutral","sentiment_score":0.3319333584772216}],"sentiment":"neutral","sentiment_score":0.10529336611549538,"num_words":83,"start":2106.135,"end":2135.7952},{"sentences":[{"text":"They had done really well, which is why it was added to your portfolio in the first place, and it was a very strong investment.","start":2136.2551,"end":2143.06,"sentiment":"positive","sentiment_score":0.5570758509635926},{"text":"But a little bit more recently, it's been a little bit slower with making the investment decisions.","start":2143.6802,"end":2148.9802,"sentiment":"neutral","sentiment_score":-0.2888498722630389},{"text":"And another reason to why things were down a little bit for them was that one of the investments that they had in their portfolio was the corporate travel group.","start":2149.36,"end":2158.065,"sentiment":"neutral","sentiment_score":-0.2111002693573634},{"text":"I'm not sure if you heard anything on the news or anything with that, but they had a bit of issues with their reporting and that company.","start":2158.065,"end":2165.6848,"sentiment":"neutral","sentiment_score":-0.14569734781980515},{"text":"So it was actually suspended from trading for a while.","start":2166.305,"end":2169.125,"sentiment":"neutral","sentiment_score":-0.22774130403995513}],"sentiment":"neutral","sentiment_score":-0.03236514740033981,"num_words":109,"start":2136.2551,"end":2169.125},{"sentences":[{"text":"So that kind of saw things, yeah, come down for Benelon.","start":2169.8499,"end":2172.67,"sentiment":"neutral","sentiment_score":-0.2510928484526547},{"text":"So that was what that switch was.","start":2173.05,"end":2175.21,"sentiment":"neutral","sentiment_score":-0.17758282806192124},{"text":"So moving forward, you should see a little bit kind of smoother, with not having Benelon in your investments and, obviously, overall, a little bit more of an improvement as well because that was kind of the only one that the investment committee and everything researched that we wanted to change.","start":2175.21,"end":2192.785,"sentiment":"neutral","sentiment_score":0.03671672487375783},{"text":"And you can see here on the document that that was the only one that was underperforming for you as well.","start":2192.785,"end":2198.25,"sentiment":"neutral","sentiment_score":-0.15761624028285345},{"text":"Does that make sense?","start":2200.17,"end":2201.39,"sentiment":"neutral","sentiment_score":-0.019690178567543626}],"sentiment":"neutral","sentiment_score":-0.058736701287884024,"num_words":94,"start":2169.8499,"end":2201.39},{"sentences":[{"text":"Yes.","start":2201.77,"end":2202.27,"sentiment":"neutral","sentiment_score":-0.006633059121668339},{"text":"Yep.","start":2203.85,"end":2204.33,"sentiment":"neutral","sentiment_score":0.0861855000257492},{"text":"Beautiful.","start":2204.33,"end":2204.83,"sentiment":"neutral","sentiment_score":0.29448816180229187},{"text":"No.","start":2206.25,"end":2206.41,"sentiment":"neutral","sentiment_score":0.0761682540178299},{"text":"It's still very much going in the right direction.","start":2206.41,"end":2208.49,"sentiment":"neutral","sentiment_score":0.24881515900293985}],"sentiment":"neutral","sentiment_score":0.2068880990577432,"num_words":13,"start":2201.77,"end":2208.49},{"sentences":[{"text":"And we do have you invested in your growth portfolio.","start":2208.49,"end":2211.31,"sentiment":"neutral","sentiment_score":0.18868087083101273},{"text":"So are you still happy with the level of risk and everything like that for a growth investor, or has anything changed for you?","start":2212.035,"end":2220.6948,"sentiment":"neutral","sentiment_score":0.0698604688514024},{"text":"There there are a couple of different factors.","start":2229.81,"end":2231.9102,"sentiment":"neutral","sentiment_score":-0.043918970040977},{"text":"So one of the thing is time frames to retirement.","start":2232.05,"end":2235.51,"sentiment":"neutral","sentiment_score":-0.01782511528581381},{"text":"Obviously, the more actually, the next document is that a Vanguard index chart that you can see in front of you?","start":2236.145,"end":2242.085,"sentiment":"neutral","sentiment_score":0.013921625845666443}],"sentiment":"neutral","sentiment_score":0.04556453685365515,"num_words":73,"start":2208.49,"end":2242.085},{"sentences":[{"text":"Like a red graph?","start":2245.025,"end":2246.165,"sentiment":"neutral","sentiment_score":0.011182883521541953},{"text":"Yes.","start":2248.8,"end":2249.3,"sentiment":"neutral","sentiment_score":0.02307886444032192},{"text":"Yeah.","start":2250.0,"end":2250.5,"sentiment":"neutral","sentiment_score":0.022938931360840797},{"text":"Beautiful.","start":2250.72,"end":2251.22,"sentiment":"positive","sentiment_score":0.5488129258155823},{"text":"Perfect.","start":2251.36,"end":2251.86,"sentiment":"neutral","sentiment_score":0.056759197264909744}],"sentiment":"neutral","sentiment_score":0.08704018162097782,"num_words":8,"start":2245.025,"end":2251.86},{"sentences":[{"text":"So we've one of the things we do factor in of making sure is that time frame.","start":2252.32,"end":2259.22,"sentiment":"neutral","sentiment_score":0.17441553666311152},{"text":"Now the the higher growth components you have to your portfolio, over the long term, you're gonna get the most amount of growth.","start":2259.4402,"end":2266.105,"sentiment":"positive","sentiment_score":0.40915959296019183},{"text":"So that's ultimately what we want.","start":2266.105,"end":2267.885,"sentiment":"positive","sentiment_score":0.4468822081883748},{"text":"But we also wanna make sure that you have enough time in the market for those fluctuations.","start":2268.4248,"end":2273.2449,"sentiment":"neutral","sentiment_score":0.16341757204602747},{"text":"So that is the first thing we look at.","start":2273.385,"end":2275.325,"sentiment":"neutral","sentiment_score":0.1908210731214947}],"sentiment":"neutral","sentiment_score":0.27156272768560386,"num_words":72,"start":2252.32,"end":2275.325},{"sentences":[{"text":"Now in a growth portfolio, we typically want to allow six years until retirement.","start":2275.785,"end":2282.1099,"sentiment":"neutral","sentiment_score":0.1590971632727555},{"text":"So at the moment for you, obviously, you can't access super until 60.","start":2283.0498,"end":2287.95,"sentiment":"neutral","sentiment_score":0.18082775863317344},{"text":"So it is a good position to be in when we are looking at a time frame.","start":2288.97,"end":2294.125,"sentiment":"positive","sentiment_score":0.3976316995480481},{"text":"So, basically, what you can see on the chart in front of you is those ups and downs of the market.","start":2295.225,"end":2301.705,"sentiment":"neutral","sentiment_score":0.18932181880587623},{"text":"So you can basically see here it is a good visual representation.","start":2301.705,"end":2304.845,"sentiment":"positive","sentiment_score":0.3664447292685509}],"sentiment":"neutral","sentiment_score":0.25598642839626834,"num_words":77,"start":2275.785,"end":2304.845},{"sentences":[{"text":"So you can see from 1995 through to 2025, and Vanguard updates this yearly as well, which is good every financial year, so the new one should come out soon.","start":2305.065,"end":2315.6,"sentiment":"positive","sentiment_score":0.45689179599285124},{"text":"And you can see that long term market always goes up.","start":2316.06,"end":2320.08,"sentiment":"neutral","sentiment_score":0.3102538233453577},{"text":"So, typically, the younger, obviously, we are, the more likely you see people in your your higher growth options or aggressive options because you have all the time in the market for that to come back around.","start":2320.655,"end":2330.915,"sentiment":"neutral","sentiment_score":0.1532560864815841},{"text":"But the closer you get to retirement and that some people then wanna start gradually reducing that risk, because if you wanna access your money tomorrow, you don't want that to be a massive dip at the same time.","start":2331.215,"end":2343.09,"sentiment":"neutral","sentiment_score":-0.07504970246018508},{"text":"So the first thing is time frame.","start":2343.71,"end":2345.97,"sentiment":"neutral","sentiment_score":0.21535326540470123}],"sentiment":"neutral","sentiment_score":0.17234319030878045,"num_words":124,"start":2305.065,"end":2345.97},{"sentences":[{"text":"The time frame in a growth portfolio is suitable for you, so that gives you about six years.","start":2346.03,"end":2353.145,"sentiment":"neutral","sentiment_score":0.26115544388691586},{"text":"The other thing we look at is what you are comfortable with.","start":2353.145,"end":2357.0051,"sentiment":"neutral","sentiment_score":0.1635489525894324},{"text":"So it's also making sure that you are comfortable with short term fluctuations because it's not all just, like, from a numbers point of view, most clients in a similar age to yourself, I see in that growth portfolio because they don't wanna access super through 60, 65, or 67, and they do wanna focus on controlling their super.","start":2357.225,"end":2375.98,"sentiment":"neutral","sentiment_score":0.16245043669211662},{"text":"So from that point of view, it is a good portfolio for you.","start":2375.98,"end":2379.28,"sentiment":"positive","sentiment_score":0.4193800412691556},{"text":"But then on the other side, I sometimes like, I could have a a seven year old who goes, oh, no.","start":2379.555,"end":2384.675,"sentiment":"neutral","sentiment_score":-0.027729552593969163}],"sentiment":"neutral","sentiment_score":0.17168765136502623,"num_words":123,"start":2346.03,"end":2384.675},{"sentences":[{"text":"I want high growth.","start":2384.675,"end":2385.815,"sentiment":"neutral","sentiment_score":-0.01873158849775791},{"text":"I just wanna grow it as much as possible, and I don't really care about fluctuations.","start":2386.275,"end":2389.895,"sentiment":"neutral","sentiment_score":0.08397761883679777},{"text":"But at the same time, I have a 20 year old who says, no.","start":2390.515,"end":2393.635,"sentiment":"neutral","sentiment_score":-0.15171595343521663},{"text":"I'm not comfortable with any fluctuations even though I have so much time until, like, an access message that I do not feel comfortable with it.","start":2393.635,"end":2401.38,"sentiment":"negative","sentiment_score":-0.33937583691798723},{"text":"So it's kind of, like, multiple things.","start":2401.5999,"end":2403.8398,"sentiment":"neutral","sentiment_score":0.03408585275922503}],"sentiment":"neutral","sentiment_score":-0.1409026655410208,"num_words":67,"start":2384.675,"end":2403.8398},{"sentences":[{"text":"So time frame wise, growth is great for you, but it's also where you are comfortable with.","start":2403.8398,"end":2408.9849,"sentiment":"positive","sentiment_score":0.3803546603988199},{"text":"Are you still comfortable seeing a bit of short term fluctuation in order to grow it?","start":2408.9849,"end":2415.005,"sentiment":"neutral","sentiment_score":0.0746427271515131},{"text":"Yep.","start":2416.7449,"end":2417.2449,"sentiment":"neutral","sentiment_score":0.208430677652359},{"text":"And just so you know as well in, like, kind of the scale of things, we typically have through your your highest risk is we have an aggressive plus investment option, which is basically where you're borrowing money, doing a lot of gearing and stuff.","start":2417.7048,"end":2430.53,"sentiment":"neutral","sentiment_score":0.11011218859089746},{"text":"You then have aggressive.","start":2430.6702,"end":2431.97,"sentiment":"neutral","sentiment_score":0.16572010144591331}],"sentiment":"neutral","sentiment_score":0.1624900292919343,"num_words":83,"start":2403.8398,"end":2431.97},{"sentences":[{"text":"You have your high growth and then your growth, which is where you are at currently.","start":2432.59,"end":2436.4502,"sentiment":"neutral","sentiment_score":0.18861032463610172},{"text":"And then we have your your balance growth, balance, and defensive.","start":2436.945,"end":2440.5652,"sentiment":"neutral","sentiment_score":0.12928939746184784},{"text":"So you are kind of somewhere right in the middle with things.","start":2440.625,"end":2444.5652,"sentiment":"neutral","sentiment_score":0.1455549510816733},{"text":"And what that also looks like from an asset allocation point of view is what you can see here on the graph is your growth investments typically have about 80% in this, and that is the top four.","start":2445.585,"end":2460.29,"sentiment":"neutral","sentiment_score":0.11805778839870502},{"text":"So you can see US shares, which is, like, your light green one.","start":2460.29,"end":2463.9902,"sentiment":"neutral","sentiment_score":0.1077126356271597}],"sentiment":"neutral","sentiment_score":0.13414520223935444,"num_words":90,"start":2432.59,"end":2463.9902},{"sentences":[{"text":"You have your Australian shares, which is, like, your dark green one.","start":2464.53,"end":2468.455,"sentiment":"neutral","sentiment_score":0.10374064308901627},{"text":"You have your international shares, which is, like, your yellow line, and then listed property at that kind of maroon color as well.","start":2468.5151,"end":2476.5352,"sentiment":"neutral","sentiment_score":0.10028038238701613},{"text":"So you can see that these are the ones that grow the most, but also fluctuate the most.","start":2477.28,"end":2481.46,"sentiment":"neutral","sentiment_score":0.14802981354296207},{"text":"And then we do have about 20% in those bottom three.","start":2482.0,"end":2485.76,"sentiment":"neutral","sentiment_score":0.11568295075134798},{"text":"So that is, like, your cash, your gold, your fixed interest, which you can see are a little bit more stable.","start":2485.76,"end":2491.4348,"sentiment":"neutral","sentiment_score":0.14254667929240636}],"sentiment":"neutral","sentiment_score":0.12331606916644994,"num_words":85,"start":2464.53,"end":2491.4348},{"sentences":[{"text":"They don't fluctuate as much, but they don't grow as much either.","start":2491.4348,"end":2494.575,"sentiment":"neutral","sentiment_score":0.007133429249127706},{"text":"Does that all make sense, Eric?","start":2494.875,"end":2496.335,"sentiment":"neutral","sentiment_score":0.10030973330140114},{"text":"Yep.","start":2497.595,"end":2498.095,"sentiment":"neutral","sentiment_score":0.2954009175300598},{"text":"Beautiful.","start":2498.2349,"end":2498.7349,"sentiment":"positive","sentiment_score":0.5729705691337585},{"text":"And, obviously, as every every under review, we kind of review things for you.","start":2499.915,"end":2504.895,"sentiment":"neutral","sentiment_score":0.2196638004056045}],"sentiment":"neutral","sentiment_score":0.13620953656294765,"num_words":34,"start":2491.4348,"end":2504.895},{"sentences":[{"text":"But time frame wise at the moment, it's still a good position with the growth one.","start":2505.23,"end":2509.41,"sentiment":"neutral","sentiment_score":0.3289199438877404},{"text":"And, obviously, the closer you get to retirement, we can then start to look at reducing things slowly for you if if you wanted to.","start":2510.75,"end":2517.5698,"sentiment":"neutral","sentiment_score":-0.0029539043828845026},{"text":"Great.","start":2519.965,"end":2520.365,"sentiment":"positive","sentiment_score":0.5987578630447388},{"text":"Now what is the next document that you have there?","start":2520.365,"end":2523.745,"sentiment":"neutral","sentiment_score":0.09796906784176826},{"text":"Yep.","start":2527.165,"end":2527.645,"sentiment":"neutral","sentiment_score":0.1654152125120163}],"sentiment":"neutral","sentiment_score":0.1308063254076636,"num_words":53,"start":2505.23,"end":2527.645},{"sentences":[{"text":"Beautiful.","start":2527.645,"end":2528.145,"sentiment":"positive","sentiment_score":0.5234105587005615},{"text":"That basically just breaks down your tile insurances in a bit more detail, but basically lets you know that's all paid and up to date for you.","start":2528.205,"end":2535.1501,"sentiment":"neutral","sentiment_score":0.22199763854344687},{"text":"And then what's the next one you have?","start":2537.61,"end":2540.11,"sentiment":"neutral","sentiment_score":0.033279690658673644},{"text":"Yep.","start":2544.185,"end":2544.505,"sentiment":"neutral","sentiment_score":0.217708557844162},{"text":"Perfect.","start":2544.505,"end":2545.005,"sentiment":"positive","sentiment_score":0.4109606742858886}],"sentiment":"neutral","sentiment_score":0.195059304125607,"num_words":38,"start":2527.645,"end":2545.005},{"sentences":[{"text":"Now you would have seen this one.","start":2545.225,"end":2546.665,"sentiment":"neutral","sentiment_score":0.18503917434385844},{"text":"Every annual review is one of those compliance documents.","start":2546.665,"end":2549.805,"sentiment":"neutral","sentiment_score":0.1020839735865593},{"text":"None of the important information has changed.","start":2550.825,"end":2553.385,"sentiment":"neutral","sentiment_score":0.08693315887025424},{"text":"It's all in there for you.","start":2553.385,"end":2554.665,"sentiment":"neutral","sentiment_score":0.17231473823388418},{"text":"But if you do have a bit of a scroll through it, you will see that we've had a bit of a bit of an update to our marketing.","start":2554.665,"end":2561.42,"sentiment":"neutral","sentiment_score":0.14326864378205661}],"sentiment":"neutral","sentiment_score":0.13812484817001328,"num_words":58,"start":2545.225,"end":2561.42},{"sentences":[{"text":"So a bit more updated photos of everybody, of the team, director's advices, and also a bit of an extension to the team, which is great.","start":2561.64,"end":2571.8198,"sentiment":"neutral","sentiment_score":0.276737405703618},{"text":"So after you scroll through, you will see myself again on page 10 if you do wanna put a face to the voice.","start":2572.095,"end":2579.875,"sentiment":"neutral","sentiment_score":0.10341952757343002},{"text":"Yeah.","start":2581.695,"end":2582.195,"sentiment":"neutral","sentiment_score":0.14576248824596405},{"text":"Thank you.","start":2583.695,"end":2584.435,"sentiment":"positive","sentiment_score":0.3472643196582794},{"text":"So, yep, sometimes it's nice, obviously, when we do speak over the phone for people to actually know who they're talking with as well.","start":2584.9102,"end":2592.29,"sentiment":"neutral","sentiment_score":0.1324467003966371}],"sentiment":"neutral","sentiment_score":0.17885307394164174,"num_words":76,"start":2561.64,"end":2592.29},{"sentences":[{"text":"Yeah.","start":2594.4302,"end":2594.9302,"sentiment":"neutral","sentiment_score":0.08889580518007278},{"text":"Now the next document, there should be two more, and one is your ongoing service agreement with Netwealth.","start":2595.3901,"end":2603.115,"sentiment":"neutral","sentiment_score":0.05030336810482873},{"text":"Can you see that one?","start":2603.1748,"end":2604.395,"sentiment":"neutral","sentiment_score":0.04535690248012543},{"text":"It should say consent to ongoing fee arrangement.","start":2605.095,"end":2608.395,"sentiment":"neutral","sentiment_score":0.03709617373533547},{"text":"As you scroll through, yeah, at the end of that document, there should be the next document.","start":2613.1748,"end":2616.73,"sentiment":"neutral","sentiment_score":0.02906571251942831}],"sentiment":"neutral","sentiment_score":0.04106178461593025,"num_words":49,"start":2594.4302,"end":2616.73},{"sentences":[{"text":"Yes.","start":2629.125,"end":2629.365,"sentiment":"neutral","sentiment_score":0.0779668316245079},{"text":"That's the one.","start":2629.365,"end":2630.085,"sentiment":"neutral","sentiment_score":0.09519175936778386},{"text":"So this is the one if you're happy to do so that it will ask you to sign, and it's the same as last year.","start":2630.085,"end":2636.085,"sentiment":"neutral","sentiment_score":0.12231884568929673},{"text":"It's just an ongoing service agreement.","start":2636.085,"end":2638.585,"sentiment":"neutral","sentiment_score":0.12788507342338562},{"text":"The fee stays exactly the same, so there is no changes to the fee structure.","start":2639.06,"end":2643.32,"sentiment":"neutral","sentiment_score":0.16031854649384816}],"sentiment":"neutral","sentiment_score":0.13187203779816628,"num_words":50,"start":2629.125,"end":2643.32},{"sentences":[{"text":"It stays exactly the same at 1.65 from super.","start":2643.46,"end":2647.16,"sentiment":"neutral","sentiment_score":0.21592258248064253},{"text":"And after last time, it is not a lock in contract.","start":2647.78,"end":2650.6,"sentiment":"neutral","sentiment_score":0.05708102356981148},{"text":"So about any time you are not happy, it is not a lock in contract.","start":2650.74,"end":2654.3599,"sentiment":"neutral","sentiment_score":-0.1034256932636102},{"text":"But this lets us service your account and manage your investments and everything for you in the meantime.","start":2654.745,"end":2659.165,"sentiment":"neutral","sentiment_score":0.24150100474556288},{"text":"Yep.","start":2662.5852,"end":2662.985,"sentiment":"neutral","sentiment_score":0.291960209608078}],"sentiment":"neutral","sentiment_score":0.10479235921606973,"num_words":54,"start":2643.46,"end":2662.985},{"sentences":[{"text":"Beautiful.","start":2662.985,"end":2663.485,"sentiment":"positive","sentiment_score":0.5905914306640625},{"text":"And is there one more document they ask you to sign after 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good.","start":2688.325,"end":2688.9648,"sentiment":"positive","sentiment_score":0.5351940194765726},{"text":"So that was all the documents that we needed to sign.","start":2688.9648,"end":2694.085,"sentiment":"neutral","sentiment_score":0.263501837849617},{"text":"So if it's just validating oh, yep.","start":2694.085,"end":2696.4048,"sentiment":"neutral","sentiment_score":0.24520671367645264}],"sentiment":"neutral","sentiment_score":0.22913993704826274,"num_words":47,"start":2681.12,"end":2696.4048},{"sentences":[{"text":"Beautiful.","start":2696.4048,"end":2696.805,"sentiment":"positive","sentiment_score":0.764512300491333},{"text":"I can see that's already come through on my end, so thank you so much for that.","start":2696.805,"end":2700.03,"sentiment":"positive","sentiment_score":0.7448787759332096},{"text":"I will let the team know.","start":2700.43,"end":2702.91,"sentiment":"positive","sentiment_score":0.5057256072759628},{"text":"We'll get that all 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it.","start":2727.895,"end":2729.195,"sentiment":"neutral","sentiment_score":0.1355594675987959}],"sentiment":"neutral","sentiment_score":0.1877044387387507,"num_words":33,"start":2709.6301,"end":2729.195},{"sentences":[{"text":"Yeah.","start":2729.2551,"end":2729.7551,"sentiment":"neutral","sentiment_score":0.12950702011585236},{"text":"And then we'll we'll do everything, and then we'll just literally send you a document at the end.","start":2729.895,"end":2734.83,"sentiment":"neutral","sentiment_score":0.14564085834556156},{"text":"And you just take that with you to your account when you do your tax return.","start":2734.8901,"end":2737.79,"sentiment":"neutral","sentiment_score":0.18455140572041273},{"text":"Yep.","start":2740.09,"end":2740.59,"sentiment":"neutral","sentiment_score":0.10408031940460204},{"text":"No worries.","start":2740.81,"end":2741.29,"sentiment":"neutral","sentiment_score":0.06494441069662571}],"sentiment":"neutral","sentiment_score":0.15625879217527414,"num_words":38,"start":2729.2551,"end":2741.29},{"sentences":[{"text":"No.","start":2741.29,"end":2741.45,"sentiment":"neutral","sentiment_score":-0.03180624917149544},{"text":"I know that was a little bit longer than the twenty minutes there, so thank you so much for your time.","start":2741.45,"end":2746.03,"sentiment":"neutral","sentiment_score":0.06755559093185834},{"text":"Yeah.","start":2747.825,"end":2748.325,"sentiment":"neutral","sentiment_score":0.06815986335277557},{"text":"No.","start":2748.7048,"end":2748.9448,"sentiment":"neutral","sentiment_score":0.027560194954276085},{"text":"No 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glad.","start":2765.36,"end":2766.1,"sentiment":"positive","sentiment_score":0.5962926149368286},{"text":"Yeah.","start":2772.7349,"end":2773.2349,"sentiment":"neutral","sentiment_score":-0.0306754969060421}],"sentiment":"neutral","sentiment_score":0.2806991782039404,"num_words":10,"start":2755.505,"end":2773.2349},{"sentences":[{"text":"Yeah.","start":2775.935,"end":2776.415,"sentiment":"neutral","sentiment_score":-0.049315765500068665},{"text":"Yeah.","start":2776.415,"end":2776.915,"sentiment":"neutral","sentiment_score":-0.04688981547951698},{"text":"Yeah.","start":2779.815,"end":2780.315,"sentiment":"neutral","sentiment_score":-0.05654481053352356},{"text":"Okay.","start":2783.2148,"end":2783.7148,"sentiment":"neutral","sentiment_score":-0.08557866513729095},{"text":"Well, he's not with us at the moment.","start":2784.015,"end":2785.9548,"sentiment":"neutral","sentiment_score":-0.11019887030124664}],"sentiment":"neutral","sentiment_score":-0.09332666825503111,"num_words":12,"start":2775.935,"end":2785.9548},{"sentences":[{"text":"He he left, so he's no longer here.","start":2786.2,"end":2789.58,"sentiment":"neutral","sentiment_score":-0.09610466845333576},{"text":"And yeah.","start":2790.6,"end":2792.22,"sentiment":"neutral","sentiment_score":-0.059847598895430565},{"text":"Obviously, every every adviser works slightly different, but I'm very much well, it's like, I don't wanna push anyone.","start":2792.84,"end":2798.78,"sentiment":"neutral","sentiment_score":-0.09877035472738116},{"text":"That's not what I'm here to do, and I wanna make sure that you are fully informed at the end of the day.","start":2799.085,"end":2803.565,"sentiment":"neutral","sentiment_score":-0.003267823839965074},{"text":"And sometimes there's people that want everything in detail and sometimes people don't.","start":2803.565,"end":2807.825,"sentiment":"neutral","sentiment_score":-0.03070104544839034}],"sentiment":"neutral","sentiment_score":-0.0498375819136317,"num_words":65,"start":2786.2,"end":2807.825},{"sentences":[{"text":"But, you know, I would rather explain everything as much as I can and go through things because, like you said, it is once a year.","start":2809.165,"end":2816.81,"sentiment":"neutral","sentiment_score":0.07638899967647515},{"text":"Obviously, if you do ever want more catch up, just let us know.","start":2817.43,"end":2820.31,"sentiment":"neutral","sentiment_score":0.050010052151404895},{"text":"If there's ever any questions or anything else that you need, just let us know.","start":2820.31,"end":2824.785,"sentiment":"neutral","sentiment_score":0.05600199922919273},{"text":"It's all part of the service.","start":2824.785,"end":2826.145,"sentiment":"neutral","sentiment_score":0.06723726789156596},{"text":"If you do want a bit more frequent catch up, but otherwise, it is that yearly review where we go kind of through things in a little bit more in-depth as well.","start":2826.145,"end":2833.685,"sentiment":"neutral","sentiment_score":0.05108520115027204}],"sentiment":"neutral","sentiment_score":0.05993939893644141,"num_words":92,"start":2809.165,"end":2833.685},{"sentences":[{"text":"Yep.","start":2835.425,"end":2835.925,"sentiment":"neutral","sentiment_score":0.21712295711040497},{"text":"Yeah.","start":2838.5999,"end":2839.0999,"sentiment":"neutral","sentiment_score":0.04763457924127579},{"text":"Yeah.","start":2842.5999,"end":2842.92,"sentiment":"neutral","sentiment_score":0.07212486863136292},{"text":"Yeah.","start":2842.92,"end":2843.42,"sentiment":"neutral","sentiment_score":0.0766383558511734},{"text":"Oh, I'm glad.","start":2843.8,"end":2844.6199,"sentiment":"neutral","sentiment_score":0.19091598689556122}],"sentiment":"neutral","sentiment_score":0.14089553164584295,"num_words":7,"start":2835.425,"end":2844.6199},{"sentences":[{"text":"More information.","start":2846.52,"end":2847.3398,"sentiment":"neutral","sentiment_score":0.09798907488584518},{"text":"Yeah.","start":2847.96,"end":2848.46,"sentiment":"neutral","sentiment_score":0.07323044538497925},{"text":"Yeah.","start":2849.655,"end":2850.155,"sentiment":"neutral","sentiment_score":0.08568811416625977},{"text":"Oh, that's great.","start":2852.7751,"end":2853.495,"sentiment":"positive","sentiment_score":0.6355547904968262},{"text":"I'm glad.","start":2853.495,"end":2853.975,"sentiment":"positive","sentiment_score":0.7031624615192413}],"sentiment":"positive","sentiment_score":0.4075428893168767,"num_words":9,"start":2846.52,"end":2853.975},{"sentences":[{"text":"And that's also part of the job as well is to kind of help educate you at the end of the day and making sure, you know, everyone understands everything.","start":2853.975,"end":2861.335,"sentiment":"positive","sentiment_score":0.397234870493412},{"text":"So I'm I'm really glad that you find it very helpful and knowledgeable.","start":2861.335,"end":2866.13,"sentiment":"positive","sentiment_score":0.8173061059071467},{"text":"That makes me really happy as well.","start":2866.27,"end":2867.8699,"sentiment":"positive","sentiment_score":0.5094357345785413},{"text":"So thank you for that.","start":2867.8699,"end":2869.0898,"sentiment":"positive","sentiment_score":0.6920721054077148},{"text":"Oh, thank you.","start":2873.63,"end":2874.6099,"sentiment":"positive","sentiment_score":0.4742118815581004}],"sentiment":"positive","sentiment_score":0.5343288242303091,"num_words":58,"start":2853.975,"end":2874.6099},{"sentences":[{"text":"Yeah.","start":2883.405,"end":2883.905,"sentiment":"neutral","sentiment_score":0.0347977876663208},{"text":"That's good.","start":2884.5251,"end":2885.345,"sentiment":"neutral","sentiment_score":0.1393120363354683},{"text":"Yeah.","start":2885.725,"end":2886.205,"sentiment":"neutral","sentiment_score":0.04519329220056534},{"text":"But if you yeah.","start":2886.205,"end":2888.465,"sentiment":"neutral","sentiment_score":0.045231724390760064},{"text":"Perfect.","start":2888.6,"end":2888.76,"sentiment":"positive","sentiment_score":0.42252928018569946}],"sentiment":"neutral","sentiment_score":0.10689681447628471,"num_words":9,"start":2883.405,"end":2888.76},{"sentences":[{"text":"Oh, I'm glad.","start":2888.76,"end":2889.18,"sentiment":"positive","sentiment_score":0.34050336480140686},{"text":"But like I said, if there's anything you need at any point in time, you have our email address, send us an email or or give me a call.","start":2889.18,"end":2895.98,"sentiment":"neutral","sentiment_score":0.06725490992439204},{"text":"Like I said, I'll keep a lookout for that email as well, and I will let Whitlam know through I expect that email in the next couple of days, and we'll get straight on to that for you.","start":2896.52,"end":2906.955,"sentiment":"neutral","sentiment_score":0.10540018740453218},{"text":"But, otherwise, thank you so much for your time today, Derek, and I hope you enjoy the rest of your day.","start":2906.955,"end":2912.255,"sentiment":"positive","sentiment_score":0.5572474208616075},{"text":"Yes.","start":2916.17,"end":2916.67,"sentiment":"neutral","sentiment_score":0.054087523370981216}],"sentiment":"neutral","sentiment_score":0.2036238365766147,"num_words":92,"start":2888.76,"end":2916.67},{"sentences":[{"text":"Yeah.","start":2918.49,"end":2918.8098,"sentiment":"neutral","sentiment_score":0.015375434421002865},{"text":"We're up on the Gold Coast.","start":2918.8098,"end":2920.19,"sentiment":"neutral","sentiment_score":0.02189907742043336},{"text":"Oh, it's raining today, which is a bit miserable.","start":2922.65,"end":2925.15,"sentiment":"neutral","sentiment_score":-0.034561939227084316},{"text":"Still fairly warm, but it's a bit rainy, a bit wet.","start":2927.93,"end":2930.8298,"sentiment":"neutral","sentiment_score":-0.00247602077963},{"text":"Oh, yeah.","start":2932.625,"end":2933.205,"sentiment":"neutral","sentiment_score":0.07357552647590637}],"sentiment":"neutral","sentiment_score":-0.0015300941284232099,"num_words":29,"start":2918.49,"end":2933.205},{"sentences":[{"text":"Thank you so much.","start":2933.265,"end":2934.145,"sentiment":"neutral","sentiment_score":0.15866389870643616},{"text":"You enjoy the rest of your day.","start":2934.145,"end":2936.2449,"sentiment":"neutral","sentiment_score":0.22021273417132242},{"text":"Yeah.","start":2943.025,"end":2943.345,"sentiment":"neutral","sentiment_score":-0.020591843873262405},{"text":"Mine hates it in the rain.","start":2943.345,"end":2944.805,"sentiment":"neutral","sentiment_score":-0.11699152862032254},{"text":"Oh, yeah.","start":2951.4001,"end":2953.7402,"sentiment":"neutral","sentiment_score":-0.03274110332131386}],"sentiment":"neutral","sentiment_score":0.06940607558935881,"num_words":20,"start":2933.265,"end":2953.7402},{"sentences":[{"text":"You get a bit of exercise.","start":2955.08,"end":2956.3,"sentiment":"neutral","sentiment_score":0.19553845934569836},{"text":"Yep.","start":2966.835,"end":2967.335,"sentiment":"neutral","sentiment_score":0.08992767333984375},{"text":"Yeah.","start":2969.235,"end":2969.735,"sentiment":"positive","sentiment_score":0.42621010541915894},{"text":"Yeah.","start":2970.835,"end":2971.335,"sentiment":"positive","sentiment_score":0.4861711263656616},{"text":"Well, I will let you go and enjoy the rest of your day there, Derek.","start":2971.75,"end":2974.79,"sentiment":"positive","sentiment_score":0.6940072377522787}],"sentiment":"positive","sentiment_score":0.5244020094784597,"num_words":24,"start":2955.08,"end":2974.79},{"sentences":[{"text":"Like I said, anything you need at any point in time doesn't have to be around review time.","start":2974.79,"end":2978.6501,"sentiment":"neutral","sentiment_score":0.25173010552922886},{"text":"You just let me know.","start":2978.9502,"end":2980.077,"sentiment":"neutral","sentiment_score":0.2487479567527771},{"text":"No problem.","start":2982.9568,"end":2983.5168,"sentiment":"positive","sentiment_score":0.520183190703392},{"text":"We'll speak soon.","start":2983.5168,"end":2984.4968,"sentiment":"positive","sentiment_score":0.41297149658203125},{"text":"Bye.","start":2985.9968,"end":2986.4968,"sentiment":"neutral","sentiment_score":-0.1127667874097824}],"sentiment":"neutral","sentiment_score":0.273841233345969,"num_words":29,"start":2974.79,"end":2986.4968}]}}]},{"alternatives":[{"transcript":"Hello? Derek speaking. Yep. I'm just good. My dog's just getting a bit crazy. Hey. Enough. Gotcha. Enough. Enough. Alright. How are you going? Good? Yeah. Nothing bad. I forgot about the appointment. I just got back, but that's all good. No. It should it doesn't go on for too long, does it? Or okay. Cool. No. That's alright. I can do it now. That's alright. Yep. That's fine. Yep. Full name, Derek Andrew Saps. Date of birth, 10/06/1973. Address there in Claremont Street, Albion, Victoria 3020. Yes. I remember we've had the conversation previously about putting extra funds into my super. Yeah. And so when the guy spoke to me, I think, to organize this appointment, I can't remember his name, He said don't put it in yet until I've spoken to you. So I haven't put in any money in yet. Yep. Yeah. I'll probably only put I reckon only probably two brands, I think, around about that. I'll have to have a look at my account, see how much I've got in there. But I'll probably only put two because we're gonna do some renovations. Yeah. I don't know. It's two it's two worth it, you think? Or Yeah. He told me, look. Yeah. He told me, look. Whatever you can put in, put it in, and then I think you claim it or whatever as a I don't know what the current what it's called. Okay. So we just put that money in. Did is there a form? I think you send me the form to put the money in that goes that way into Netwealth, or do I just go on to my account and then just add money in our account? Yep. Okay. So I'll let you guys know. Just via an email or something. Okay. So say I know you said before. So if I put $2 in, that comes off my salary. So if I earn a $105,000 on I'd only get taxed on a 103,000 or something. Is that how it works? Okay. That makes sense. Yep. I think so. Yeah. Sounds about right. No. We're going through EVA at the moment. It's gonna take years. Because yeah. Now it's gone to eight councils have joined together to to fight at them. They're they're taking industrial action. Sorry. I'm seeing I'm just gonna go to the front door. Is that alright? It's a shock. Sasha. You know? Crazy dog. Oh, you got a Labrador? Oh, yeah. Mine's a German Shepherd. Thanks, buddy. Yeah. That's me. Alright. This is. Take your toes. Awesome, man. Thank you. Shut up. Sorry. She's friendly, really. Yeah. She doesn't she doesn't like delivery drivers, but anyway, sorry about that. No. It we're apparently no. So when it goes through, which eventually it will because they're taking industrial action, we're apparently, we're gonna get back paid from I'm not sure. Just it happened the last EBA when it all went through. It goes back, and then you just get this lump sum because they couldn't agree for years or whatever. I don't know. So we're still waiting, but I doubt nothing's gonna change. I'll just say nothing will change. Yeah. The same. I haven't changed, so that's exactly the same. Okay. Yeah. I'll have a look at it. Maximum, it'll be three, but I think it'll be around two because, yeah, we wanna do some other stuff in the kitchen renovation sort of thing. So I don't wanna put yeah. Okay. Perfect. I'm trying to have a look. Do you know what the email on the fourteenth? By Whitlam? Do you know what it would have been sent through so I can have a look? Okay. Oh, no. I've got it here. It's two pages, and it's already prefilled with my details. Is that that about right? Netwealth superannuation fund nomination, and it's already prefilled. And all I've got to sign it, and all the details are already here, all the banking electronic funds. Yeah. Yeah. So it's already been prefilled. All I have to do is put the money in and sign it, and then I send that back to you? Okay. Perfect. Okay. Got it. It must be good having your administration assistant, is it? Say, hey. Do this. Does he does he get you does he get coffee and stuff for you, or is that like, no. Oh, come on. He's healthy. Okay. Fair enough. I'll never get it back. Well well, by the time the next, you know, I don't know who comes into power the next election. Maybe they'll make retirement at, like, 80 or something like that. So you can't touch your super until you're 80. Who knows? Oh, can you? Also, it's gonna last me seven years. Okay. That makes sense. Oh, I must stop working at 60. Finance Oh, I mean, she works. But do you mean does she oh, no. Just a dog. She's financially dependent on us. But no. She is there. No. It's changed, but you know what? I'm sick of it. I'm gonna quit soon. Yeah. I'm I'm still working there, but it's been twelve years, and you know when you had enough of a job. It's I I need a change. I don't know what I'm gonna do. I've got lots of leaves that I've accumulated, but I'm not sure at this stage. I sort of just gotta weigh it all up, but I'm I'm sort of look I will be maybe next time you speak to me next year, I might have another job, but I I don't know. I'd rather have another job than be somewhere. Yeah. I'll let you know. I don't know. They sold the house across the road for 1,300,000, which was pretty good. No. There's this. They fully renovated it. The guy was a builder, and the land is a bit bigger. So, no, we wouldn't get 1.3. We'd probably I'll just keep it around the same, I think. Just the biggest. It's about 80. But we're we're gonna have a renovation, but, yeah, currently, there's still 80. Nope. I got a company car. Yeah. Well, the stock market is not very good at the moment. I keep looking at it every day and see how much money I'm losing because of the shares. Yeah. So around about 20, I think, 24, 25. Yeah. Around about that. No. I've got some money from a will from one of my great aunts, but but that just went no. That just went straight into the loan and spent some Still a nonsmoker. No injuries. I started to go back to the gym. Yeah. So I've I hadn't gone in four and a half years since COVID, and I went back August was when I went back. And I go I've got my own program, and I have a PT once a week. Yeah. It's honestly, it's the best thing. And when I after eight months, I got on the body scan and did all the measurements, and I put on nine kilograms of muscle. Yeah. So, yeah, I lost it. It and and, like, they couldn't even believe the, you know, the change that I've done just in the eight months just from and my my food intake was exactly the same. I hadn't changed anything that way. It was just going to the gym doing strength training and some cardio. Yeah. Yeah. Look. I I didn't believe the results for the at first, I thought, oh, yeah. That's alright. And then my personal trainer, he he couldn't believe the results. He said, you know, because that nine kilos of muffle that you put on, that would have been fat. So although I only lost two kilos of overall body weight and an inch and a half of my waist, that nine kilos of muscle was, yeah, was fat. So, no, I really enjoy it. And especially since I'm I'm getting results. Yeah. I really like it. It's yeah. Yeah. Yeah. That's right. Yeah. Because even if I, you know, I go on the scales, my weight's pretty much around the same. But when you go on the scan, it tells you how much fat, how much muscle, you know, and then all the measurements you put on an inch and a half around the waist oh, sorry, around your biceps, around that. Yeah. No. It's it's it's good. I really like. But I like going there because the gym I go to is like a boutique gym. So they've only got, like, 300 odd members, and they're all it's like a family. Everyone's like, hi. You know, it's really cool. I like it. It was taking No. That's something that we wanna look into because, obviously, if you don't have a wheel, does it just go to the government, or where does it go? Yep. Okay. Yeah. Okay. Thanks. No. That's really we've been wanting to do it. We'll probably get around here. No. No. We'll pro we'll probably go somewhere local. I know I did speak to someone from your agency a couple of years ago, and someone called me from Perth oh, no. From your from Queensland. But I'd probably rather have someone local. And yeah. And then if I have to do any changes, I can do it that way rather than yeah. Yeah. No. That's that's fine. Yep. Yeah. No. My father, unfortunately, when he passed away, he's well, he left everything to the to the evil stepmother. And so yeah. And it got really messy. She was really greedy. But in the the at the end of the day, like, you know, they said, well, you can go and contest it at the high court. It's gonna cost you $5,000 a day to contest. But in the will, it said, I leave my entire estate to her. I don't mean to do that to your kids is pretty harsh. You know what I mean? So she yeah. Anyway, she ended up with yeah. Because my dad was a politician retired, so he had a huge super. He had two properties. He had we got some because we had to con we contested and say this is unfair, and we did have some of it. But overall, we was just like, this dad, you know, I wish I could speak to him now. It it was you just don't do that to your kids. I mean, it was no. Sorry. He left us his books. That's what he left us, his books. Can you believe that? Yeah. They can get messy. And everyone's comes in for their piece of the pie and everyone that you know, that who who are you? And they're just saying, oh, yeah. I want this. And I was, oh my god. How really it yeah. And the unfortunate thing we haven't spoken to her now in probably ten years. And, you know, the step and we used to speak to her all the time. We really close, and then the whole thing just exploded, and she just got so greedy. And we didn't want everything, but we, you know, this we just wanted to be fair. You know? It it's anyway, sorry. I don't wanna bore you. It's just it's just really shit. Yeah. Yeah. Yeah. Because even with our house, the property is in joint names. It automatically goes to her anyway, doesn't it? Is that true? Okay. Oh, Thank you. But your knowledge is I'm very impressed. You have to ask you know the answer for every question. Yeah. I can imagine. Yeah. Joint, Timothy. Alright. Thanks. Yeah. I'll I'll get on to looking at a wheeler try and organizing something, I think. No. That's sort of it. I'm trying to win the lottery, though. Still still not there yet, unfortunately. Yeah. Got access. Okay. Yep. Yeah. I'm sorry. I just opened up my latest payslip, and this is from last week. So 100 and 1,000, and I get paid today. So, yeah, it'll be around so that's probably my overall, and I contribute a $100 a fortnight, I think it is. Net s s. Yep. That sounds about right. Just hang on. Oh, yep. Is this the one Derek sign review annual review? Oh, yeah. Are we are we gonna talk about my super or not? Oh, sorry. My is it have I got or do I sign it first? Okay. Alright. So my superannuation, $225,000. Yep. That's what I'm Super summary of superannuation and insurances. Is that is that what I'm yeah. I just opened up the attachment. That's the first page. Yep. Yeah. I think that's okay. Yeah. Yeah. Maybe. Okay. No. Okay. As long as it's going up. No. Yeah. No. It makes sense. I don't know. Is it still I mean, you tell me. Is it is it still good to be what I in that growth sector? Or On the next document? Yeah. Yeah. Vanguard index. Yep. It must stop. Okay. Yeah. I think I'm still Yep. Okay. Mhmm. Yep. Makes sense. Yep. Three three. Perfect. Sounds good. Certificate of currency, TEL. Okay. It's the Oakview services guide. Oh, there you are. Attractive woman. Alright. Perfect. Thank you. Where is that? At the bottom? Okay. Next document. Oh, now it's the net wealth advice fees consent. Yep. Okay. Perfect. Yeah. I'll sign it and send it. I just signed it. It says it's loading, so I probably have to wait for it to save. Yeah. I'll probably do it today if I've got time, but I'll definitely do it ASAP. And then I'll send you the form off, and then whatever else it is, you'll you'll do everything. Perfect. No problem. No. That's fine. It's it's look. It's it's once a year, but thanks very much. It's no. I think compared to before previously before it was you, I think it was Alan. So you got a lot more depth of the documents, and you explain things a lot a lot a lot better. Whereas I felt, unfortunately, with him sometimes, it was just a matter of sign it. Okay. And then I'll say, oh, no. But I don't think I wanna pay that much in my total debt. And he's like, oh, yeah. You you know, he's a bit I found him a bit a bit pushy. Yeah. Yeah. Yep. No. It's good that you explain things and go through the graph and rather than just sign here, sign here. Okay. Thanks very much. See you in a year. It's at least then I've I've got more sort of knowledge of of what's actually happening in, you know, the different markets. And that's it's I think it's very useful. Yeah. No. Definitely. Your your knowledge is is yeah. Like, it's very impressive. You you're I I could ask you a question. I'm sure you would you know, even explaining all that notice intent to to claim or whatever of yeah. That's just I'm sort of getting the the hang of what I have to do, but previously, I wouldn't even know. Yep. Perfect. Thanks very much, Veronica. Nice to talk to you again, and enjoy. Is it are you in Queensland, are you? Is it warm up there or oh, it's raining, is it? Okay. Oh, well, enjoy the rain. It's raining here as well where yeah. We get rain here. Well, it's been a bit dry, but it's it's been rain, but raining a lot. But I'm gonna take the dog for a walk. Yeah. Mine doesn't like going for a walk in the rain, but if she doesn't get a walk, she'll probably chew your arm off because she she just she needs she needs to get that, you know, that oh, it's not really the exercise for her because, yeah, she's a working one, so she's just got a lot of energy, but it's more just to give her some, you know, sniffing, and then she's out there and just a bit of stimulation. Always good. Alright. Perfect. Thank you very much, Veronica. See you. 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Derek speaking. Yep. I'm just good. My dog's just getting a bit crazy.\n\nHey. Enough. Gotcha. Enough. Enough.\n\nAlright. How are you going? Good? Yeah. Nothing bad.\n\nI forgot about the appointment. I just got back, but that's all good. No. It should it doesn't go on for too long, does it? Or okay.\n\nCool. No. That's alright. I can do it now. That's alright.\n\nYep. That's fine. Yep. Full name, Derek Andrew Saps. Date of birth, 10/06/1973.\n\nAddress there in Claremont Street, Albion, Victoria 3020. Yes. I remember we've had the conversation previously about putting extra funds into my super. Yeah. And so when the guy spoke to me, I think, to organize this appointment, I can't remember his name, He said don't put it in yet until I've spoken to you.\n\nSo I haven't put in any money in yet. Yep. Yeah. I'll probably only put I reckon only probably two brands, I think, around about that. I'll have to have a look at my account, see how much I've got in there.\n\nBut I'll probably only put two because we're gonna do some renovations. Yeah. I don't know. It's two it's two worth it, you think? Or Yeah.\n\nHe told me, look. Yeah. He told me, look. Whatever you can put in, put it in, and then I think you claim it or whatever as a I don't know what the current what it's called. Okay.\n\nSo we just put that money in. Did is there a form? I think you send me the form to put the money in that goes that way into Netwealth, or do I just go on to my account and then just add money in our account? Yep. Okay.\n\nSo I'll let you guys know. Just via an email or something. Okay. So say I know you said before. So if I put $2 in, that comes off my salary.\n\nSo if I earn a $105,000 on I'd only get taxed on a 103,000 or something. Is that how it works? Okay. That makes sense. Yep.\n\nI think so. Yeah. Sounds about right. No. We're going through EVA at the moment.\n\nIt's gonna take years. Because yeah. Now it's gone to eight councils have joined together to to fight at them. They're they're taking industrial action. Sorry.\n\nI'm seeing I'm just gonna go to the front door. Is that alright? It's a shock. Sasha. You know?\n\nCrazy dog. Oh, you got a Labrador? Oh, yeah. Mine's a German Shepherd. Thanks, buddy.\n\nYeah. That's me. Alright. This is. Take your toes.\n\nAwesome, man. Thank you. Shut up. Sorry. She's friendly, really.\n\nYeah. She doesn't she doesn't like delivery drivers, but anyway, sorry about that. No. It we're apparently no. So when it goes through, which eventually it will because they're taking industrial action, we're apparently, we're gonna get back paid from I'm not sure.\n\nJust it happened the last EBA when it all went through. It goes back, and then you just get this lump sum because they couldn't agree for years or whatever. I don't know. So we're still waiting, but I doubt nothing's gonna change. I'll just say nothing will change.\n\nYeah. The same. I haven't changed, so that's exactly the same. Okay. Yeah.\n\nI'll have a look at it. Maximum, it'll be three, but I think it'll be around two because, yeah, we wanna do some other stuff in the kitchen renovation sort of thing. So I don't wanna put yeah. Okay. Perfect.\n\nI'm trying to have a look. Do you know what the email on the fourteenth? By Whitlam? Do you know what it would have been sent through so I can have a look? Okay.\n\nOh, no. I've got it here. It's two pages, and it's already prefilled with my details. Is that that about right? Netwealth superannuation fund nomination, and it's already prefilled.\n\nAnd all I've got to sign it, and all the details are already here, all the banking electronic funds. Yeah. Yeah. So it's already been prefilled. All I have to do is put the money in and sign it, and then I send that back to you?\n\nOkay. Perfect. Okay. Got it. It must be good having your administration assistant, is it?\n\nSay, hey. Do this. Does he does he get you does he get coffee and stuff for you, or is that like, no. Oh, come on. He's healthy.\n\nOkay. Fair enough. I'll never get it back. Well well, by the time the next, you know, I don't know who comes into power the next election. Maybe they'll make retirement at, like, 80 or something like that.\n\nSo you can't touch your super until you're 80. Who knows? Oh, can you? Also, it's gonna last me seven years. Okay.\n\nThat makes sense. Oh, I must stop working at 60. Finance Oh, I mean, she works. But do you mean does she oh, no. Just a dog.\n\nShe's financially dependent on us. But no. She is there. No. It's changed, but you know what?\n\nI'm sick of it. I'm gonna quit soon. Yeah. I'm I'm still working there, but it's been twelve years, and you know when you had enough of a job. It's I I need a change.\n\nI don't know what I'm gonna do. I've got lots of leaves that I've accumulated, but I'm not sure at this stage. I sort of just gotta weigh it all up, but I'm I'm sort of look I will be maybe next time you speak to me next year, I might have another job, but I I don't know. I'd rather have another job than be somewhere. Yeah.\n\nI'll let you know. I don't know. They sold the house across the road for 1,300,000, which was pretty good. No. There's this.\n\nThey fully renovated it. The guy was a builder, and the land is a bit bigger. So, no, we wouldn't get 1.3. We'd probably I'll just keep it around the same, I think. Just the biggest.\n\nIt's about 80. But we're we're gonna have a renovation, but, yeah, currently, there's still 80. Nope. I got a company car. Yeah.\n\nWell, the stock market is not very good at the moment. I keep looking at it every day and see how much money I'm losing because of the shares. Yeah. So around about 20, I think, 24, 25. Yeah.\n\nAround about that. No. I've got some money from a will from one of my great aunts, but but that just went no. That just went straight into the loan and spent some Still a nonsmoker. No injuries.\n\nI started to go back to the gym. Yeah. So I've I hadn't gone in four and a half years since COVID, and I went back August was when I went back. And I go I've got my own program, and I have a PT once a week. Yeah.\n\nIt's honestly, it's the best thing. And when I after eight months, I got on the body scan and did all the measurements, and I put on nine kilograms of muscle. Yeah. So, yeah, I lost it. It and and, like, they couldn't even believe the, you know, the change that I've done just in the eight months just from and my my food intake was exactly the same.\n\nI hadn't changed anything that way. It was just going to the gym doing strength training and some cardio. Yeah. Yeah. Look.\n\nI I didn't believe the results for the at first, I thought, oh, yeah. That's alright. And then my personal trainer, he he couldn't believe the results. He said, you know, because that nine kilos of muffle that you put on, that would have been fat. So although I only lost two kilos of overall body weight and an inch and a half of my waist, that nine kilos of muscle was, yeah, was fat.\n\nSo, no, I really enjoy it. And especially since I'm I'm getting results. Yeah. I really like it. It's yeah.\n\nYeah. Yeah. That's right. Yeah. Because even if I, you know, I go on the scales, my weight's pretty much around the same.\n\nBut when you go on the scan, it tells you how much fat, how much muscle, you know, and then all the measurements you put on an inch and a half around the waist oh, sorry, around your biceps, around that. Yeah. No. It's it's it's good. I really like.\n\nBut I like going there because the gym I go to is like a boutique gym. So they've only got, like, 300 odd members, and they're all it's like a family. Everyone's like, hi. You know, it's really cool. I like it.\n\nIt was taking No. That's something that we wanna look into because, obviously, if you don't have a wheel, does it just go to the government, or where does it go? Yep. Okay. Yeah.\n\nOkay. Thanks. No. That's really we've been wanting to do it. We'll probably get around here.\n\nNo. No. We'll pro we'll probably go somewhere local. I know I did speak to someone from your agency a couple of years ago, and someone called me from Perth oh, no. From your from Queensland.\n\nBut I'd probably rather have someone local. And yeah. And then if I have to do any changes, I can do it that way rather than yeah. Yeah. No.\n\nThat's that's fine. Yep. Yeah. No. My father, unfortunately, when he passed away, he's well, he left everything to the to the evil stepmother.\n\nAnd so yeah. And it got really messy. She was really greedy. But in the the at the end of the day, like, you know, they said, well, you can go and contest it at the high court. It's gonna cost you $5,000 a day to contest.\n\nBut in the will, it said, I leave my entire estate to her. I don't mean to do that to your kids is pretty harsh. You know what I mean? So she yeah. Anyway, she ended up with yeah.\n\nBecause my dad was a politician retired, so he had a huge super. He had two properties. He had we got some because we had to con we contested and say this is unfair, and we did have some of it. But overall, we was just like, this dad, you know, I wish I could speak to him now. It it was you just don't do that to your kids.\n\nI mean, it was no. Sorry. He left us his books. That's what he left us, his books. Can you believe that?\n\nYeah. They can get messy. And everyone's comes in for their piece of the pie and everyone that you know, that who who are you? And they're just saying, oh, yeah. I want this.\n\nAnd I was, oh my god. How really it yeah. And the unfortunate thing we haven't spoken to her now in probably ten years. And, you know, the step and we used to speak to her all the time. We really close, and then the whole thing just exploded, and she just got so greedy.\n\nAnd we didn't want everything, but we, you know, this we just wanted to be fair. You know? It it's anyway, sorry. I don't wanna bore you. It's just it's just really shit.\n\nYeah. Yeah. Yeah. Because even with our house, the property is in joint names. It automatically goes to her anyway, doesn't it?\n\nIs that true? Okay. Oh, Thank you. But your knowledge is I'm very impressed. You have to ask you know the answer for every question.\n\nYeah. I can imagine. Yeah. Joint, Timothy. Alright.\n\nThanks. Yeah. I'll I'll get on to looking at a wheeler try and organizing something, I think. No. That's sort of it.\n\nI'm trying to win the lottery, though. Still still not there yet, unfortunately. Yeah. Got access. Okay.\n\nYep. Yeah. I'm sorry. I just opened up my latest payslip, and this is from last week. So 100 and 1,000, and I get paid today.\n\nSo, yeah, it'll be around so that's probably my overall, and I contribute a $100 a fortnight, I think it is. Net s s. Yep. That sounds about right. Just hang on.\n\nOh, yep. Is this the one Derek sign review annual review? Oh, yeah. Are we are we gonna talk about my super or not? Oh, sorry.\n\nMy is it have I got or do I sign it first? Okay. Alright. So my superannuation, $225,000. Yep.\n\nThat's what I'm Super summary of superannuation and insurances. Is that is that what I'm yeah. I just opened up the attachment. That's the first page. Yep.\n\nYeah. I think that's okay. Yeah. Yeah. Maybe.\n\nOkay. No. Okay. As long as it's going up. No.\n\nYeah. No. It makes sense. I don't know. Is it still I mean, you tell me.\n\nIs it is it still good to be what I in that growth sector? Or On the next document? Yeah. Yeah. Vanguard index.\n\nYep. It must stop. Okay. Yeah. I think I'm still Yep.\n\nOkay. Mhmm. Yep. Makes sense. Yep.\n\nThree three. Perfect. Sounds good. Certificate of currency, TEL. Okay.\n\nIt's the Oakview services guide. Oh, there you are. Attractive woman. Alright. Perfect.\n\nThank you. Where is that? At the bottom? Okay. Next document.\n\nOh, now it's the net wealth advice fees consent. Yep. Okay. Perfect. Yeah.\n\nI'll sign it and send it. I just signed it. It says it's loading, so I probably have to wait for it to save. Yeah. I'll probably do it today if I've got time, but I'll definitely do it ASAP.\n\nAnd then I'll send you the form off, and then whatever else it is, you'll you'll do everything. Perfect. No problem. No. That's fine.\n\nIt's it's look. It's it's once a year, but thanks very much. It's no. I think compared to before previously before it was you, I think it was Alan. So you got a lot more depth of the documents, and you explain things a lot a lot a lot better.\n\nWhereas I felt, unfortunately, with him sometimes, it was just a matter of sign it. Okay. And then I'll say, oh, no. But I don't think I wanna pay that much in my total debt. And he's like, oh, yeah.\n\nYou you know, he's a bit I found him a bit a bit pushy. Yeah. Yeah. Yep. No.\n\nIt's good that you explain things and go through the graph and rather than just sign here, sign here. Okay. Thanks very much. See you in a year. It's at least then I've I've got more sort of knowledge of of what's actually happening in, you know, the different markets.\n\nAnd that's it's I think it's very useful. Yeah. No. Definitely. Your your knowledge is is yeah.\n\nLike, it's very impressive. You you're I I could ask you a question. I'm sure you would you know, even explaining all that notice intent to to claim or whatever of yeah. That's just I'm sort of getting the the hang of what I have to do, but previously, I wouldn't even know. Yep.\n\nPerfect. Thanks very much, Veronica. Nice to talk to you again, and enjoy. Is it are you in Queensland, are you? Is it warm up there or oh, it's raining, is it?\n\nOkay. Oh, well, enjoy the rain. It's raining here as well where yeah. We get rain here. Well, it's been a bit dry, but it's it's been rain, but raining a lot.\n\nBut I'm gonna take the dog for a walk. Yeah. Mine doesn't like going for a walk in the rain, but if she doesn't get a walk, she'll probably chew your arm off because she she just she needs she needs to get that, you know, that oh, it's not really the exercise for her because, yeah, she's a working one, so she's just got a lot of energy, but it's more just to give her some, you know, sniffing, and then she's out there and just a bit of stimulation. Always good. Alright.\n\nPerfect. Thank you very much, Veronica. See you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.5999999,"end":2.0,"sentiment":"neutral","sentiment_score":0.018720287829637527},{"text":"Derek speaking.","start":2.0,"end":2.82,"sentiment":"neutral","sentiment_score":0.027935209684073925},{"text":"Yep.","start":14.305,"end":14.545,"sentiment":"neutral","sentiment_score":0.15637002885341644},{"text":"I'm just good.","start":14.545,"end":15.525001,"sentiment":"positive","sentiment_score":0.4009381830692291},{"text":"My dog's just getting a bit crazy.","start":16.225,"end":18.005001,"sentiment":"neutral","sentiment_score":-0.1729312390089035}],"sentiment":"neutral","sentiment_score":0.01594690087118319,"num_words":14,"start":1.5999999,"end":18.005001},{"sentences":[{"text":"Hey.","start":18.145,"end":18.645,"sentiment":"neutral","sentiment_score":0.09684205055236816},{"text":"Enough.","start":19.905,"end":20.405,"sentiment":"neutral","sentiment_score":0.1834489107131958},{"text":"Gotcha.","start":20.625,"end":21.125,"sentiment":"neutral","sentiment_score":0.1585310399532318},{"text":"Enough.","start":21.265,"end":21.765,"sentiment":"neutral","sentiment_score":0.1414333134889603},{"text":"Enough.","start":23.265,"end":23.765,"sentiment":"neutral","sentiment_score":0.17315605282783508}],"sentiment":"neutral","sentiment_score":0.15068227350711821,"num_words":5,"start":18.145,"end":23.765},{"sentences":[{"text":"Alright.","start":28.2,"end":28.6,"sentiment":"neutral","sentiment_score":0.21825158596038816},{"text":"How are you going?","start":28.6,"end":29.32,"sentiment":"neutral","sentiment_score":0.23527956753969193},{"text":"Good?","start":29.32,"end":29.82,"sentiment":"neutral","sentiment_score":0.332683265209198},{"text":"Yeah.","start":32.52,"end":32.84,"sentiment":"neutral","sentiment_score":0.13479040563106537},{"text":"Nothing bad.","start":32.84,"end":33.74,"sentiment":"neutral","sentiment_score":0.15527882426977158}],"sentiment":"neutral","sentiment_score":0.21526679727766249,"num_words":9,"start":28.2,"end":33.74},{"sentences":[{"text":"I forgot about the appointment.","start":34.04,"end":35.32,"sentiment":"neutral","sentiment_score":0.12230902016162873},{"text":"I just got back, but that's all good.","start":35.32,"end":37.98,"sentiment":"neutral","sentiment_score":0.15666334237903357},{"text":"No.","start":44.225002,"end":44.385002,"sentiment":"neutral","sentiment_score":0.047058120369911194},{"text":"It should it doesn't go on for too long, does it?","start":44.385002,"end":46.645,"sentiment":"neutral","sentiment_score":0.0012820668952454898},{"text":"Or okay.","start":46.945,"end":51.025,"sentiment":"neutral","sentiment_score":0.03711794037371873}],"sentiment":"neutral","sentiment_score":0.07408328062242449,"num_words":27,"start":34.04,"end":51.025},{"sentences":[{"text":"Cool.","start":51.025,"end":51.345,"sentiment":"neutral","sentiment_score":0.12939807772636414},{"text":"No.","start":51.345,"end":51.505,"sentiment":"neutral","sentiment_score":0.06032124161720276},{"text":"That's alright.","start":51.505,"end":51.985,"sentiment":"neutral","sentiment_score":0.12172512337565422},{"text":"I can do it now.","start":51.985,"end":53.205,"sentiment":"neutral","sentiment_score":0.18709455728530883},{"text":"That's alright.","start":55.98,"end":56.72,"sentiment":"neutral","sentiment_score":0.13464565575122833}],"sentiment":"neutral","sentiment_score":0.14890306036580692,"num_words":11,"start":51.025,"end":56.72},{"sentences":[{"text":"Yep.","start":64.7,"end":65.020004,"sentiment":"neutral","sentiment_score":0.1153569221496582},{"text":"That's fine.","start":65.020004,"end":65.76,"sentiment":"neutral","sentiment_score":0.24001864343881607},{"text":"Yep.","start":75.674995,"end":76.174995,"sentiment":"neutral","sentiment_score":0.03379072993993759},{"text":"Full name, Derek Andrew Saps.","start":76.395,"end":78.09,"sentiment":"neutral","sentiment_score":0.03394823186099529},{"text":"Date of birth, 10/06/1973.","start":78.57,"end":81.78999,"sentiment":"neutral","sentiment_score":0.03274263674393296}],"sentiment":"neutral","sentiment_score":0.07153051117291817,"num_words":13,"start":64.7,"end":81.78999},{"sentences":[{"text":"Address there in Claremont Street, Albion, Victoria 3020.","start":82.729996,"end":86.189995,"sentiment":"neutral","sentiment_score":0.0401631030254066},{"text":"Yes.","start":102.135,"end":102.535,"sentiment":"neutral","sentiment_score":0.042189836502075195},{"text":"I remember we've had the conversation previously about putting extra funds into my super.","start":102.535,"end":108.15,"sentiment":"neutral","sentiment_score":0.019499428304178373},{"text":"Yeah.","start":110.29,"end":110.61,"sentiment":"neutral","sentiment_score":0.016581444069743156},{"text":"And so when the guy spoke to me, I think, to organize this appointment, I can't remember his name, He said don't put it in yet until I've spoken to you.","start":110.61,"end":119.424995,"sentiment":"neutral","sentiment_score":-0.029243384097372333}],"sentiment":"neutral","sentiment_score":-0.004608669199726799,"num_words":55,"start":82.729996,"end":119.424995},{"sentences":[{"text":"So I haven't put in any money in yet.","start":119.424995,"end":121.524994,"sentiment":"neutral","sentiment_score":-0.08408036993609534},{"text":"Yep.","start":136.45,"end":136.95,"sentiment":"neutral","sentiment_score":0.1796541064977646},{"text":"Yeah.","start":160.08,"end":160.48001,"sentiment":"neutral","sentiment_score":0.018320554867386814},{"text":"I'll probably only put I reckon only probably two brands, I think, around about that.","start":160.48001,"end":164.64,"sentiment":"neutral","sentiment_score":0.011534134484827518},{"text":"I'll have to have a look at my account, see how much I've got in there.","start":164.64,"end":168.66,"sentiment":"neutral","sentiment_score":0.042751792119815946}],"sentiment":"neutral","sentiment_score":0.007102191026899077,"num_words":42,"start":119.424995,"end":168.66},{"sentences":[{"text":"But I'll probably only put two because we're gonna do some renovations.","start":170.56001,"end":173.14,"sentiment":"neutral","sentiment_score":0.04158228014906248},{"text":"Yeah.","start":174.185,"end":174.505,"sentiment":"neutral","sentiment_score":0.054695114493370056},{"text":"I don't know.","start":174.505,"end":174.825,"sentiment":"neutral","sentiment_score":-0.006496823082367579},{"text":"It's two it's two worth it, you think?","start":174.825,"end":177.145,"sentiment":"neutral","sentiment_score":0.0583051317371428},{"text":"Or Yeah.","start":177.145,"end":231.16501,"sentiment":"neutral","sentiment_score":0.07197324559092522}],"sentiment":"neutral","sentiment_score":0.04402229046592346,"num_words":26,"start":170.56001,"end":231.16501},{"sentences":[{"text":"He told me, look.","start":231.16501,"end":232.30501,"sentiment":"neutral","sentiment_score":0.02228770707733929},{"text":"Yeah.","start":232.605,"end":232.765,"sentiment":"neutral","sentiment_score":0.018464665859937668},{"text":"He told me, look.","start":232.765,"end":233.565,"sentiment":"neutral","sentiment_score":0.020768521819263697},{"text":"Whatever you can put in, put it in, and then I think you claim it or whatever as a I don't know what the current what it's called.","start":233.565,"end":244.545,"sentiment":"neutral","sentiment_score":0.00670958317017981},{"text":"Okay.","start":272.07498,"end":272.315,"sentiment":"neutral","sentiment_score":0.1376786828041077}],"sentiment":"neutral","sentiment_score":0.013585173500407683,"num_words":38,"start":231.16501,"end":272.315},{"sentences":[{"text":"So we just put that money in.","start":272.315,"end":273.675,"sentiment":"neutral","sentiment_score":0.16702952555247716},{"text":"Did is there a form?","start":273.675,"end":275.11002,"sentiment":"neutral","sentiment_score":0.05671095848083496},{"text":"I think you send me the form to put the money in that goes that way into Netwealth, or do I just go on to my account and then just add money in our account?","start":275.11002,"end":286.89,"sentiment":"neutral","sentiment_score":0.07071974107197353},{"text":"Yep.","start":323.86502,"end":324.36502,"sentiment":"neutral","sentiment_score":0.298000693321228},{"text":"Okay.","start":336.06003,"end":336.46002,"sentiment":"neutral","sentiment_score":0.23354806005954745}],"sentiment":"neutral","sentiment_score":0.09101022779941559,"num_words":49,"start":272.315,"end":336.46002},{"sentences":[{"text":"So I'll let you guys know.","start":336.46002,"end":338.16,"sentiment":"neutral","sentiment_score":0.2638377125064532},{"text":"Just via an email or something.","start":339.02002,"end":340.64,"sentiment":"neutral","sentiment_score":0.14377444113294283},{"text":"Okay.","start":366.9,"end":367.4,"sentiment":"neutral","sentiment_score":0.06316137313842773},{"text":"So say I know you said before.","start":367.46,"end":369.22,"sentiment":"neutral","sentiment_score":-0.03058308575834547},{"text":"So if I put $2 in, that comes off my salary.","start":369.22,"end":376.19498,"sentiment":"neutral","sentiment_score":-0.14450651678172025}],"sentiment":"neutral","sentiment_score":0.022747774518305255,"num_words":31,"start":336.46002,"end":376.19498},{"sentences":[{"text":"So if I earn a $105,000 on I'd only get taxed on a 103,000 or something.","start":378.01498,"end":384.175,"sentiment":"neutral","sentiment_score":0.0594639100600034},{"text":"Is that how it works?","start":384.175,"end":385.235,"sentiment":"neutral","sentiment_score":0.10905302762985229},{"text":"Okay.","start":418.71,"end":418.95,"sentiment":"neutral","sentiment_score":0.1882685124874115},{"text":"That makes sense.","start":418.95,"end":419.99,"sentiment":"neutral","sentiment_score":0.22652904192606607},{"text":"Yep.","start":419.99,"end":420.49,"sentiment":"neutral","sentiment_score":0.3005962669849396}],"sentiment":"neutral","sentiment_score":0.10250536939845635,"num_words":26,"start":378.01498,"end":420.49},{"sentences":[{"text":"I think so.","start":446.02,"end":446.91998,"sentiment":"neutral","sentiment_score":0.12371121098597844},{"text":"Yeah.","start":447.06,"end":447.38,"sentiment":"neutral","sentiment_score":0.1149185597896576},{"text":"Sounds about right.","start":447.38,"end":448.52,"sentiment":"neutral","sentiment_score":0.12592477848132452},{"text":"No.","start":467.655,"end":467.97498,"sentiment":"neutral","sentiment_score":-0.1609402894973755},{"text":"We're going through EVA at the moment.","start":467.97498,"end":469.995,"sentiment":"neutral","sentiment_score":-0.14813584089279175}],"sentiment":"neutral","sentiment_score":-0.022270976503690084,"num_words":15,"start":446.02,"end":469.995},{"sentences":[{"text":"It's gonna take years.","start":477.66,"end":479.04,"sentiment":"neutral","sentiment_score":-0.2929809242486954},{"text":"Because yeah.","start":480.54,"end":481.34,"sentiment":"neutral","sentiment_score":-0.15753566473722458},{"text":"Now it's gone to eight councils have joined together to to fight at them.","start":481.34,"end":488.695,"sentiment":"neutral","sentiment_score":-0.1676545419863292},{"text":"They're they're taking industrial action.","start":489.315,"end":491.49503,"sentiment":"neutral","sentiment_score":-0.15439078509807586},{"text":"Sorry.","start":495.69998,"end":496.18,"sentiment":"neutral","sentiment_score":-0.09898531436920166}],"sentiment":"neutral","sentiment_score":-0.18096530208220848,"num_words":26,"start":477.66,"end":496.18},{"sentences":[{"text":"I'm seeing I'm just gonna go to the front door.","start":496.18,"end":498.68,"sentiment":"neutral","sentiment_score":-0.09018421322107315},{"text":"Is that alright?","start":499.22,"end":500.03998,"sentiment":"neutral","sentiment_score":-0.007358016756673654},{"text":"It's a shock.","start":501.06,"end":501.8,"sentiment":"neutral","sentiment_score":-0.10605419178803761},{"text":"Sasha.","start":504.74,"end":504.97998,"sentiment":"neutral","sentiment_score":-0.04053954780101776},{"text":"You know?","start":504.97998,"end":505.63998,"sentiment":"neutral","sentiment_score":-0.04957881011068821}],"sentiment":"neutral","sentiment_score":-0.07272504872985576,"num_words":19,"start":496.18,"end":505.63998},{"sentences":[{"text":"Crazy dog.","start":508.815,"end":509.79498,"sentiment":"neutral","sentiment_score":-0.14035025984048843},{"text":"Oh, you got a Labrador?","start":512.415,"end":513.395,"sentiment":"neutral","sentiment_score":-0.011906624585390092},{"text":"Oh, yeah.","start":513.455,"end":513.855,"sentiment":"neutral","sentiment_score":0.025265355594456196},{"text":"Mine's a German Shepherd.","start":513.855,"end":515.075,"sentiment":"neutral","sentiment_score":0.023249119985848665},{"text":"Thanks, buddy.","start":539.24506,"end":540.065,"sentiment":"positive","sentiment_score":0.45415782928466797}],"sentiment":"neutral","sentiment_score":0.047440613806247714,"num_words":15,"start":508.815,"end":540.065},{"sentences":[{"text":"Yeah.","start":541.16504,"end":541.325,"sentiment":"neutral","sentiment_score":0.17681168019771576},{"text":"That's me.","start":541.325,"end":542.04504,"sentiment":"neutral","sentiment_score":0.15649953484535217},{"text":"Alright.","start":542.04504,"end":542.36505,"sentiment":"neutral","sentiment_score":0.2220195233821869},{"text":"This is.","start":542.36505,"end":542.765,"sentiment":"neutral","sentiment_score":0.2530774846673012},{"text":"Take your toes.","start":542.765,"end":543.74506,"sentiment":"positive","sentiment_score":0.3542531629403432}],"sentiment":"neutral","sentiment_score":0.2534160812695821,"num_words":9,"start":541.16504,"end":543.74506},{"sentences":[{"text":"Awesome, man.","start":547.16504,"end":547.80505,"sentiment":"positive","sentiment_score":0.721014678478241},{"text":"Thank you.","start":547.80505,"end":548.54504,"sentiment":"positive","sentiment_score":0.6954270005226135},{"text":"Shut up.","start":560.21,"end":560.45,"sentiment":"neutral","sentiment_score":0.3068813532590866},{"text":"Sorry.","start":560.45,"end":560.85,"sentiment":"neutral","sentiment_score":0.183915376663208},{"text":"She's friendly, really.","start":560.85,"end":562.07,"sentiment":"neutral","sentiment_score":0.31576616565386456}],"sentiment":"positive","sentiment_score":0.4577859938144684,"num_words":10,"start":547.16504,"end":562.07},{"sentences":[{"text":"Yeah.","start":568.185,"end":568.505,"sentiment":"neutral","sentiment_score":-0.02530466951429844},{"text":"She doesn't she doesn't like delivery drivers, but anyway, sorry about that.","start":568.505,"end":576.52496,"sentiment":"neutral","sentiment_score":-0.1224132077768445},{"text":"No.","start":581.65,"end":582.15,"sentiment":"neutral","sentiment_score":-0.07171783596277237},{"text":"It we're apparently no.","start":582.21,"end":584.05,"sentiment":"neutral","sentiment_score":-0.1402728445827961},{"text":"So when it goes through, which eventually it will because they're taking industrial action, we're apparently, we're gonna get back paid from I'm not sure.","start":584.05,"end":594.645,"sentiment":"neutral","sentiment_score":-0.06936559945344925}],"sentiment":"neutral","sentiment_score":-0.08979563635968885,"num_words":43,"start":568.185,"end":594.645},{"sentences":[{"text":"Just it happened the last EBA when it all went through.","start":594.645,"end":598.265,"sentiment":"neutral","sentiment_score":-0.04090824570845474},{"text":"It goes back, and then you just get this lump sum because they couldn't agree for years or whatever.","start":599.605,"end":605.045,"sentiment":"neutral","sentiment_score":-0.06300652144770873},{"text":"I don't know.","start":605.045,"end":605.605,"sentiment":"neutral","sentiment_score":-0.10676399618387222},{"text":"So we're still waiting, but I doubt nothing's gonna change.","start":605.605,"end":608.57,"sentiment":"neutral","sentiment_score":-0.19109157770872115},{"text":"I'll just say nothing will change.","start":608.57,"end":609.87,"sentiment":"neutral","sentiment_score":-0.07487485930323601}],"sentiment":"neutral","sentiment_score":-0.0883177863624023,"num_words":49,"start":594.645,"end":609.87},{"sentences":[{"text":"Yeah.","start":618.41,"end":618.73,"sentiment":"neutral","sentiment_score":-0.011274382472038267},{"text":"The same.","start":618.73,"end":619.29,"sentiment":"neutral","sentiment_score":0.0037296772934496403},{"text":"I haven't changed, so that's exactly the same.","start":619.29,"end":621.55,"sentiment":"neutral","sentiment_score":-0.0011296606826363131},{"text":"Okay.","start":676.75,"end":677.25,"sentiment":"neutral","sentiment_score":0.2581096887588501},{"text":"Yeah.","start":677.31,"end":677.63,"sentiment":"neutral","sentiment_score":0.24094516038894653}],"sentiment":"neutral","sentiment_score":0.03740019506165901,"num_words":13,"start":618.41,"end":677.63},{"sentences":[{"text":"I'll have a look at it.","start":677.63,"end":678.855,"sentiment":"neutral","sentiment_score":0.20515350004037222},{"text":"Maximum, it'll be three, but I think it'll be around two because, yeah, we wanna do some other stuff in the kitchen renovation sort of thing.","start":679.175,"end":685.65497,"sentiment":"neutral","sentiment_score":0.1419165117236284},{"text":"So I don't wanna put yeah.","start":685.65497,"end":689.035,"sentiment":"neutral","sentiment_score":0.0040238294750452085},{"text":"Okay.","start":714.15497,"end":714.555,"sentiment":"positive","sentiment_score":0.3534584939479828},{"text":"Perfect.","start":714.555,"end":715.055,"sentiment":"positive","sentiment_score":0.47297918796539307}],"sentiment":"neutral","sentiment_score":0.14428327409550548,"num_words":40,"start":677.63,"end":715.055},{"sentences":[{"text":"I'm trying to have a look.","start":715.115,"end":715.995,"sentiment":"neutral","sentiment_score":0.16833492865165076},{"text":"Do you know what the email on the fourteenth?","start":715.995,"end":718.01495,"sentiment":"neutral","sentiment_score":0.044217892818980746},{"text":"By Whitlam?","start":718.60004,"end":719.26,"sentiment":"neutral","sentiment_score":0.036494798958301544},{"text":"Do you know what it would have been sent through so I can have a look?","start":719.32,"end":722.78,"sentiment":"neutral","sentiment_score":0.06539768516086042},{"text":"Okay.","start":745.98,"end":746.48,"sentiment":"neutral","sentiment_score":0.09145478159189224}],"sentiment":"neutral","sentiment_score":0.07702288086361744,"num_words":34,"start":715.115,"end":746.48},{"sentences":[{"text":"Oh, no.","start":750.94,"end":751.57996,"sentiment":"neutral","sentiment_score":0.005687214434146881},{"text":"I've got it here.","start":751.57996,"end":752.62,"sentiment":"neutral","sentiment_score":0.02200235688360408},{"text":"It's two pages, and it's already prefilled with my details.","start":752.62,"end":757.83997,"sentiment":"neutral","sentiment_score":0.05165402889251709},{"text":"Is that that about right?","start":759.86505,"end":760.825,"sentiment":"neutral","sentiment_score":0.04266026578843594},{"text":"Netwealth superannuation fund nomination, and it's already prefilled.","start":760.825,"end":765.965,"sentiment":"neutral","sentiment_score":0.1013095248490572}],"sentiment":"neutral","sentiment_score":0.0565414370021558,"num_words":29,"start":750.94,"end":765.965},{"sentences":[{"text":"And all I've got to sign it, and all the details are already here, all the banking electronic funds.","start":767.385,"end":774.06,"sentiment":"neutral","sentiment_score":0.10776444093177193},{"text":"Yeah.","start":775.39996,"end":775.89996,"sentiment":"neutral","sentiment_score":0.15056054294109344},{"text":"Yeah.","start":776.27997,"end":776.77997,"sentiment":"neutral","sentiment_score":0.11422431468963624},{"text":"So it's already been prefilled.","start":780.83997,"end":782.19995,"sentiment":"neutral","sentiment_score":0.2252209633588791},{"text":"All I have to do is put the money in and sign it, and then I send that back to you?","start":782.19995,"end":787.625,"sentiment":"neutral","sentiment_score":0.07844440763195355}],"sentiment":"neutral","sentiment_score":0.10820737473191099,"num_words":47,"start":767.385,"end":787.625},{"sentences":[{"text":"Okay.","start":788.48505,"end":788.80505,"sentiment":"neutral","sentiment_score":0.2055276930332184},{"text":"Perfect.","start":788.80505,"end":789.30505,"sentiment":"positive","sentiment_score":0.521496057510376},{"text":"Okay.","start":799.24,"end":799.74,"sentiment":"neutral","sentiment_score":0.21844297647476196},{"text":"Got it.","start":800.76,"end":801.16,"sentiment":"neutral","sentiment_score":0.279812827706337},{"text":"It must be good having your administration assistant, is it?","start":801.16,"end":804.3,"sentiment":"positive","sentiment_score":0.40915104150772097}],"sentiment":"positive","sentiment_score":0.373106853167216,"num_words":15,"start":788.48505,"end":804.3},{"sentences":[{"text":"Say, hey.","start":807.16,"end":807.63995,"sentiment":"neutral","sentiment_score":0.22208604216575623},{"text":"Do this.","start":807.63995,"end":808.36,"sentiment":"neutral","sentiment_score":0.19898679107427597},{"text":"Does he does he get you does he get coffee and stuff for you, or is that like, no.","start":808.36,"end":813.805,"sentiment":"neutral","sentiment_score":0.02269066438863152},{"text":"Oh, come on.","start":815.065,"end":816.205,"sentiment":"neutral","sentiment_score":0.02703705554207166},{"text":"He's healthy.","start":817.225,"end":817.965,"sentiment":"neutral","sentiment_score":0.24051687866449356}],"sentiment":"neutral","sentiment_score":0.06555047192211662,"num_words":28,"start":807.16,"end":817.965},{"sentences":[{"text":"Okay.","start":818.425,"end":818.925,"sentiment":"neutral","sentiment_score":0.13276919722557068},{"text":"Fair enough.","start":819.385,"end":820.125,"sentiment":"neutral","sentiment_score":0.1764325425028801},{"text":"I'll never get it back.","start":837.52997,"end":838.91,"sentiment":"neutral","sentiment_score":-0.18630948662757874},{"text":"Well well, by the time the next, you know, I don't know who comes into power the next election.","start":842.015,"end":848.255,"sentiment":"neutral","sentiment_score":-0.06321122183611519},{"text":"Maybe they'll make retirement at, like, 80 or something like that.","start":848.255,"end":852.17505,"sentiment":"neutral","sentiment_score":-0.03819354318759658}],"sentiment":"neutral","sentiment_score":-0.054396193180429306,"num_words":38,"start":818.425,"end":852.17505},{"sentences":[{"text":"So you can't touch your super until you're 80.","start":852.17505,"end":854.97504,"sentiment":"neutral","sentiment_score":-0.055471704651912056},{"text":"Who knows?","start":854.97504,"end":855.635,"sentiment":"neutral","sentiment_score":-0.07374043762683868},{"text":"Oh, can you?","start":874.775,"end":875.755,"sentiment":"neutral","sentiment_score":0.032553136348724365},{"text":"Also, it's gonna last me seven years.","start":902.57495,"end":904.435,"sentiment":"neutral","sentiment_score":0.06556140844311033},{"text":"Okay.","start":950.79004,"end":951.19,"sentiment":"neutral","sentiment_score":0.13356056809425354}],"sentiment":"neutral","sentiment_score":0.001973800869150595,"num_words":22,"start":852.17505,"end":951.19},{"sentences":[{"text":"That makes sense.","start":951.19,"end":952.09,"sentiment":"neutral","sentiment_score":0.12796592712402344},{"text":"Oh, I must stop working at 60.","start":957.595,"end":959.375,"sentiment":"neutral","sentiment_score":-0.1491212248802185},{"text":"Finance Oh, I mean, she works.","start":982.095,"end":983.935,"sentiment":"neutral","sentiment_score":-0.01135047742476066},{"text":"But do you mean does she oh, no.","start":983.935,"end":990.255,"sentiment":"neutral","sentiment_score":-0.030901467660441995},{"text":"Just a dog.","start":990.255,"end":991.055,"sentiment":"neutral","sentiment_score":-0.09287148465712865}],"sentiment":"neutral","sentiment_score":-0.04643999454047945,"num_words":27,"start":951.19,"end":991.055},{"sentences":[{"text":"She's financially dependent on us.","start":991.055,"end":993.555,"sentiment":"neutral","sentiment_score":-0.04871794879436493},{"text":"But no.","start":993.935,"end":994.33496,"sentiment":"neutral","sentiment_score":-0.08921810239553452},{"text":"She is there.","start":994.33496,"end":995.235,"sentiment":"neutral","sentiment_score":-0.07208240528901418},{"text":"No.","start":1006.31,"end":1006.55,"sentiment":"neutral","sentiment_score":-0.25668665766716003},{"text":"It's changed, but you know what?","start":1006.55,"end":1008.15,"sentiment":"neutral","sentiment_score":-0.2225044866402944}],"sentiment":"neutral","sentiment_score":-0.13117569071405075,"num_words":17,"start":991.055,"end":1008.15},{"sentences":[{"text":"I'm sick of it.","start":1008.15,"end":1008.95,"sentiment":"negative","sentiment_score":-0.6805369406938553},{"text":"I'm gonna quit soon.","start":1008.95,"end":1010.08997,"sentiment":"negative","sentiment_score":-0.5979004949331284},{"text":"Yeah.","start":1015.745,"end":1016.225,"sentiment":"neutral","sentiment_score":-0.04481753706932068},{"text":"I'm I'm still working there, but it's been twelve years, and you know when you had enough of a job.","start":1016.225,"end":1021.045,"sentiment":"neutral","sentiment_score":-0.11870000138878822},{"text":"It's I I need a change.","start":1022.945,"end":1025.36,"sentiment":"neutral","sentiment_score":-0.11278081312775612}],"sentiment":"neutral","sentiment_score":-0.23455006246055876,"num_words":35,"start":1008.15,"end":1025.36},{"sentences":[{"text":"I don't know what I'm gonna do.","start":1025.36,"end":1026.48,"sentiment":"neutral","sentiment_score":-0.13146103492804936},{"text":"I've got lots of leaves that I've accumulated, but I'm not sure at this stage.","start":1026.48,"end":1030.32,"sentiment":"neutral","sentiment_score":-0.21585938235123953},{"text":"I sort of just gotta weigh it all up, but I'm I'm sort of look I will be maybe next time you speak to me next year, I might have another job, but I I don't know.","start":1030.32,"end":1038.82,"sentiment":"neutral","sentiment_score":-0.14859909644803485},{"text":"I'd rather have another job than be somewhere.","start":1039.3151,"end":1041.255,"sentiment":"neutral","sentiment_score":-0.08935977891087532},{"text":"Yeah.","start":1041.4751,"end":1041.7151,"sentiment":"neutral","sentiment_score":0.0032319072633981705}],"sentiment":"neutral","sentiment_score":-0.1524695716524387,"num_words":68,"start":1025.36,"end":1041.7151},{"sentences":[{"text":"I'll let you know.","start":1041.7151,"end":1042.615,"sentiment":"neutral","sentiment_score":0.01831538917031139},{"text":"I don't know.","start":1058.11,"end":1058.5901,"sentiment":"neutral","sentiment_score":-0.07444968571265538},{"text":"They sold the house across the road for 1,300,000, which was pretty good.","start":1058.5901,"end":1062.2101,"sentiment":"neutral","sentiment_score":0.13136672113950437},{"text":"No.","start":1065.87,"end":1066.1901,"sentiment":"neutral","sentiment_score":-0.09369973838329317},{"text":"There's this.","start":1066.1901,"end":1066.995,"sentiment":"neutral","sentiment_score":-0.04653516411781311}],"sentiment":"neutral","sentiment_score":0.05960477424947464,"num_words":23,"start":1041.7151,"end":1066.995},{"sentences":[{"text":"They fully renovated it.","start":1067.235,"end":1068.595,"sentiment":"neutral","sentiment_score":0.07208586670458317},{"text":"The guy was a builder, and the land is a bit bigger.","start":1068.595,"end":1071.315,"sentiment":"neutral","sentiment_score":-0.04508875822648406},{"text":"So, no, we wouldn't get 1.3.","start":1071.315,"end":1073.075,"sentiment":"neutral","sentiment_score":-0.10296313588817914},{"text":"We'd probably I'll just keep it around the same, I think.","start":1073.075,"end":1076.215,"sentiment":"neutral","sentiment_score":-0.04609769548882137},{"text":"Just the biggest.","start":1077.475,"end":1078.455,"sentiment":"neutral","sentiment_score":0.019787670423587162}],"sentiment":"neutral","sentiment_score":-0.036617002398189574,"num_words":36,"start":1067.235,"end":1078.455},{"sentences":[{"text":"It's about 80.","start":1083.88,"end":1085.02,"sentiment":"neutral","sentiment_score":0.01397485937923193},{"text":"But we're we're gonna have a renovation, but, yeah, currently, there's still 80.","start":1087.64,"end":1092.06,"sentiment":"neutral","sentiment_score":-0.004913854018713419},{"text":"Nope.","start":1101.4851,"end":1101.805,"sentiment":"neutral","sentiment_score":-0.07645837217569351},{"text":"I got a company car.","start":1101.805,"end":1103.185,"sentiment":"neutral","sentiment_score":-0.05020681768655777},{"text":"Yeah.","start":1110.4,"end":1110.64,"sentiment":"neutral","sentiment_score":-0.040272437036037445}],"sentiment":"neutral","sentiment_score":-0.016944366163047758,"num_words":23,"start":1083.88,"end":1110.64},{"sentences":[{"text":"Well, the stock market is not very good at the moment.","start":1110.64,"end":1113.2,"sentiment":"negative","sentiment_score":-0.40270140089771966},{"text":"I keep looking at it every day and see how much money I'm losing because of the shares.","start":1113.2,"end":1117.3,"sentiment":"negative","sentiment_score":-0.34020527369446224},{"text":"Yeah.","start":1119.44,"end":1119.76,"sentiment":"neutral","sentiment_score":-0.030685847625136375},{"text":"So around about 20, I think, 24, 25.","start":1119.76,"end":1123.76,"sentiment":"neutral","sentiment_score":-0.026368364226073027},{"text":"Yeah.","start":1123.76,"end":1124.0,"sentiment":"neutral","sentiment_score":-0.014199462719261646}],"sentiment":"neutral","sentiment_score":-0.2771600656545697,"num_words":39,"start":1110.64,"end":1124.0},{"sentences":[{"text":"Around about that.","start":1124.0,"end":1125.0599,"sentiment":"neutral","sentiment_score":-0.02661845398445924},{"text":"No.","start":1136.4451,"end":1136.685,"sentiment":"neutral","sentiment_score":-0.07026548683643341},{"text":"I've got some money from a will from one of my great aunts, but but that just went no.","start":1136.685,"end":1147.27,"sentiment":"neutral","sentiment_score":-0.04033829507074858},{"text":"That just went straight into the loan and spent some Still a nonsmoker.","start":1147.27,"end":1161.135,"sentiment":"neutral","sentiment_score":-0.006942605886321802},{"text":"No 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change that I've done just in the eight months just from and my my food intake was exactly the same.","start":1207.64,"end":1218.5149,"sentiment":"neutral","sentiment_score":-0.10508246312383562}],"sentiment":"neutral","sentiment_score":0.0030556114903394728,"num_words":69,"start":1191.6749,"end":1218.5149},{"sentences":[{"text":"I hadn't changed anything that way.","start":1218.5149,"end":1220.0349,"sentiment":"neutral","sentiment_score":-0.08707467466592789},{"text":"It was just going to the gym doing strength training and some 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Queensland.","start":1468.715,"end":1470.015,"sentiment":"neutral","sentiment_score":-0.02091142488643527}],"sentiment":"neutral","sentiment_score":-0.01841535284701321,"num_words":36,"start":1456.5099,"end":1470.015},{"sentences":[{"text":"But I'd probably rather have someone local.","start":1470.155,"end":1472.255,"sentiment":"neutral","sentiment_score":-0.012872143249426569},{"text":"And yeah.","start":1474.0,"end":1475.7001,"sentiment":"neutral","sentiment_score":0.11888623237609863},{"text":"And then if I have to do any changes, I can do it that way rather than 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okay.","start":1939.665,"end":1940.8049,"sentiment":"neutral","sentiment_score":0.15359047800302505},{"text":"Yeah.","start":1951.7001,"end":1952.2001,"sentiment":"neutral","sentiment_score":0.09969177842140198},{"text":"Yeah.","start":1960.18,"end":1960.68,"sentiment":"neutral","sentiment_score":0.047033801674842834},{"text":"Maybe.","start":2020.89,"end":2021.39,"sentiment":"neutral","sentiment_score":-0.020809920504689217}],"sentiment":"neutral","sentiment_score":0.10256198770366609,"num_words":8,"start":1939.505,"end":2021.39},{"sentences":[{"text":"Okay.","start":2065.905,"end":2066.405,"sentiment":"neutral","sentiment_score":-0.02045365422964096},{"text":"No.","start":2161.94,"end":2162.44,"sentiment":"neutral","sentiment_score":-0.093714639544487},{"text":"Okay.","start":2199.075,"end":2199.575,"sentiment":"neutral","sentiment_score":-0.01525786891579628},{"text":"As long as it's going 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me.","start":2222.24,"end":2224.815,"sentiment":"neutral","sentiment_score":-0.06043926766142249}],"sentiment":"neutral","sentiment_score":-0.05380991380661726,"num_words":16,"start":2202.0352,"end":2224.815},{"sentences":[{"text":"Is it is it still good to be what I in that growth sector?","start":2224.815,"end":2229.055,"sentiment":"neutral","sentiment_score":-0.021165246543075358},{"text":"Or On the next document?","start":2229.055,"end":2248.3499,"sentiment":"neutral","sentiment_score":-0.004824241902679205},{"text":"Yeah.","start":2249.0498,"end":2249.2898,"sentiment":"neutral","sentiment_score":0.0291559100151062},{"text":"Yeah.","start":2249.2898,"end":2249.6099,"sentiment":"neutral","sentiment_score":0.03359553962945938},{"text":"Vanguard index.","start":2249.6099,"end":2250.5698,"sentiment":"neutral","sentiment_score":0.026432490907609463}],"sentiment":"neutral","sentiment_score":-0.008905140419855066,"num_words":23,"start":2224.815,"end":2250.5698},{"sentences":[{"text":"Yep.","start":2250.5698,"end":2251.0698,"sentiment":"neutral","sentiment_score":0.1124684438109398},{"text":"It must stop.","start":2334.31,"end":2335.465,"sentiment":"neutral","sentiment_score":-0.12147922813892365},{"text":"Okay.","start":2402.19,"end":2402.69,"sentiment":"neutral","sentiment_score":0.06705477833747864},{"text":"Yeah.","start":2415.645,"end":2415.805,"sentiment":"neutral","sentiment_score":0.1508258581161499},{"text":"I think I'm still Yep.","start":2415.805,"end":2418.785,"sentiment":"neutral","sentiment_score":0.17592482268810272}],"sentiment":"neutral","sentiment_score":0.07686686448075554,"num_words":11,"start":2250.5698,"end":2418.785},{"sentences":[{"text":"Okay.","start":2445.825,"end":2446.325,"sentiment":"neutral","sentiment_score":0.12456656247377396},{"text":"Mhmm.","start":2472.855,"end":2473.355,"sentiment":"neutral","sentiment_score":0.060650937259197235},{"text":"Yep.","start":2479.5073,"end":2480.0073,"sentiment":"neutral","sentiment_score":0.15249896049499512},{"text":"Makes sense.","start":2496.5598,"end":2497.28,"sentiment":"neutral","sentiment_score":0.15018829703330994},{"text":"Yep.","start":2497.28,"end":2497.78,"sentiment":"neutral","sentiment_score":0.1954960823059082}],"sentiment":"neutral","sentiment_score":0.13893152276674905,"num_words":6,"start":2445.825,"end":2497.78},{"sentences":[{"text":"Three three.","start":2515.0598,"end":2515.7998,"sentiment":"neutral","sentiment_score":-0.01552097755484283},{"text":"Perfect.","start":2518.0999,"end":2518.5999,"sentiment":"positive","sentiment_score":0.5634728670120239},{"text":"Sounds good.","start":2518.66,"end":2519.4,"sentiment":"positive","sentiment_score":0.6510469913482666},{"text":"Certificate of currency, TEL.","start":2524.5798,"end":2526.5999,"sentiment":"neutral","sentiment_score":0.04073136020451784},{"text":"Okay.","start":2535.9148,"end":2536.4148,"sentiment":"neutral","sentiment_score":0.05281476676464081}],"sentiment":"neutral","sentiment_score":0.20502651021815838,"num_words":10,"start":2515.0598,"end":2536.4148},{"sentences":[{"text":"It's the Oakview services guide.","start":2540.7698,"end":2543.5898,"sentiment":"neutral","sentiment_score":0.04493517428636551},{"text":"Oh, there you are.","start":2580.43,"end":2581.3098,"sentiment":"neutral","sentiment_score":0.07299039512872696},{"text":"Attractive woman.","start":2581.3098,"end":2582.3699,"sentiment":"neutral","sentiment_score":0.17086362838745117},{"text":"Alright.","start":2592.9849,"end":2593.385,"sentiment":"neutral","sentiment_score":0.1742605417966843},{"text":"Perfect.","start":2593.385,"end":2593.785,"sentiment":"positive","sentiment_score":0.33997294306755066}],"sentiment":"neutral","sentiment_score":0.10558447642968251,"num_words":13,"start":2540.7698,"end":2593.785},{"sentences":[{"text":"Thank you.","start":2593.785,"end":2594.525,"sentiment":"neutral","sentiment_score":0.31555579602718353},{"text":"Where is that?","start":2611.01,"end":2611.49,"sentiment":"neutral","sentiment_score":0.021824339404702187},{"text":"At the bottom?","start":2611.49,"end":2612.31,"sentiment":"neutral","sentiment_score":0.014195229237278303},{"text":"Okay.","start":2622.2249,"end":2622.705,"sentiment":"neutral","sentiment_score":0.02923554927110672},{"text":"Next document.","start":2622.705,"end":2623.525,"sentiment":"neutral","sentiment_score":0.017554208636283875}],"sentiment":"neutral","sentiment_score":0.07304675132036209,"num_words":11,"start":2593.785,"end":2623.525},{"sentences":[{"text":"Oh, now it's the net wealth advice fees consent.","start":2625.665,"end":2628.4849,"sentiment":"neutral","sentiment_score":0.05487881807817353},{"text":"Yep.","start":2634.8699,"end":2635.3699,"sentiment":"neutral","sentiment_score":0.09338580071926116},{"text":"Okay.","start":2660.04,"end":2660.28,"sentiment":"neutral","sentiment_score":0.3035706877708435},{"text":"Perfect.","start":2660.28,"end":2660.76,"sentiment":"positive","sentiment_score":0.6148898601531982},{"text":"Yeah.","start":2660.76,"end":2661.0,"sentiment":"neutral","sentiment_score":0.31366032361984253}],"sentiment":"neutral","sentiment_score":0.13995507961282364,"num_words":13,"start":2625.665,"end":2661.0},{"sentences":[{"text":"I'll sign it and send it.","start":2661.0,"end":2662.46,"sentiment":"positive","sentiment_score":0.3510974794626236},{"text":"I just signed it.","start":2674.4348,"end":2675.1548,"sentiment":"neutral","sentiment_score":0.0912258755415678},{"text":"It says it's loading, so I probably have to wait for it to save.","start":2675.1548,"end":2678.295,"sentiment":"neutral","sentiment_score":0.04973632177071912},{"text":"Yeah.","start":2717.13,"end":2717.3699,"sentiment":"neutral","sentiment_score":0.2189246267080307},{"text":"I'll probably do it today if I've got time, but I'll definitely do it ASAP.","start":2717.3699,"end":2722.91,"sentiment":"neutral","sentiment_score":0.27890984416007997}],"sentiment":"neutral","sentiment_score":0.18925922932103276,"num_words":40,"start":2661.0,"end":2722.91},{"sentences":[{"text":"And then I'll send you the form off, and then whatever else it is, you'll you'll do everything.","start":2723.21,"end":2730.51,"sentiment":"neutral","sentiment_score":0.10132073197099897},{"text":"Perfect.","start":2739.155,"end":2739.635,"sentiment":"neutral","sentiment_score":0.33163803815841675},{"text":"No problem.","start":2739.635,"end":2740.375,"sentiment":"neutral","sentiment_score":0.19827967882156372},{"text":"No.","start":2744.0498,"end":2744.2898,"sentiment":"neutral","sentiment_score":-0.03693961724638939},{"text":"That's fine.","start":2744.2898,"end":2745.01,"sentiment":"neutral","sentiment_score":0.260131299495697}],"sentiment":"neutral","sentiment_score":0.12647056470935544,"num_words":24,"start":2723.21,"end":2745.01},{"sentences":[{"text":"It's it's look.","start":2745.01,"end":2745.73,"sentiment":"neutral","sentiment_score":0.2557959233721097},{"text":"It's it's once a year, but thanks very much.","start":2745.73,"end":2747.89,"sentiment":"neutral","sentiment_score":0.2485010458363427},{"text":"It's no.","start":2747.89,"end":2750.6099,"sentiment":"neutral","sentiment_score":0.012482315301895142},{"text":"I think compared to before previously before it was you, I think it was Alan.","start":2750.6099,"end":2755.0298,"sentiment":"neutral","sentiment_score":0.015758116667469343},{"text":"So you got a lot more depth of the documents, and you explain things a lot a lot a lot better.","start":2756.955,"end":2764.175,"sentiment":"neutral","sentiment_score":0.16825253409998758}],"sentiment":"neutral","sentiment_score":0.13597073558717965,"num_words":50,"start":2745.01,"end":2764.175},{"sentences":[{"text":"Whereas I felt, unfortunately, with him sometimes, it was just a matter of sign it.","start":2764.955,"end":2772.5398,"sentiment":"neutral","sentiment_score":-0.09841925849517187},{"text":"Okay.","start":2772.5398,"end":2772.94,"sentiment":"neutral","sentiment_score":-0.031884968280792236},{"text":"And then I'll say, oh, no.","start":2772.94,"end":2773.98,"sentiment":"neutral","sentiment_score":-0.03382410171131293},{"text":"But I don't think I wanna pay that much in my total debt.","start":2773.98,"end":2777.02,"sentiment":"neutral","sentiment_score":-0.10458924277470662},{"text":"And he's like, oh, yeah.","start":2777.02,"end":2778.94,"sentiment":"neutral","sentiment_score":-0.06884769648313523}],"sentiment":"neutral","sentiment_score":-0.08537542736157774,"num_words":40,"start":2764.955,"end":2778.94},{"sentences":[{"text":"You you know, he's a bit I found him a bit a bit pushy.","start":2778.94,"end":2782.0,"sentiment":"neutral","sentiment_score":-0.20251853231872832},{"text":"Yeah.","start":2808.5298,"end":2809.0298,"sentiment":"neutral","sentiment_score":-0.0035382751375436783},{"text":"Yeah.","start":2824.3298,"end":2824.8298,"sentiment":"neutral","sentiment_score":0.03405824676156044},{"text":"Yep.","start":2834.41,"end":2834.5698,"sentiment":"neutral","sentiment_score":0.04455495998263359},{"text":"No.","start":2834.5698,"end":2834.73,"sentiment":"neutral","sentiment_score":0.0697421133518219}],"sentiment":"neutral","sentiment_score":-0.14946902263909578,"num_words":18,"start":2778.94,"end":2834.73},{"sentences":[{"text":"It's good that you explain things and go through the graph and rather than just sign here, sign here.","start":2834.73,"end":2840.275,"sentiment":"neutral","sentiment_score":0.14872380071564725},{"text":"Okay.","start":2840.335,"end":2840.6548,"sentiment":"neutral","sentiment_score":0.18296091258525848},{"text":"Thanks very much.","start":2840.6548,"end":2841.375,"sentiment":"positive","sentiment_score":0.3985407054424286},{"text":"See you in a year.","start":2841.375,"end":2842.1748,"sentiment":"neutral","sentiment_score":0.17485338747501372},{"text":"It's at least then I've I've got more sort of knowledge of of what's actually happening in, you know, the different markets.","start":2842.1748,"end":2850.1748,"sentiment":"neutral","sentiment_score":0.12214517390186136}],"sentiment":"neutral","sentiment_score":0.15531592011451723,"num_words":50,"start":2834.73,"end":2850.1748},{"sentences":[{"text":"And that's it's I think it's very useful.","start":2850.1748,"end":2852.275,"sentiment":"neutral","sentiment_score":0.32830811478197575},{"text":"Yeah.","start":2867.005,"end":2867.325,"sentiment":"positive","sentiment_score":0.4441320300102234},{"text":"No.","start":2867.325,"end":2867.7249,"sentiment":"positive","sentiment_score":0.360558420419693},{"text":"Definitely.","start":2867.7249,"end":2868.2249,"sentiment":"positive","sentiment_score":0.46903324127197266},{"text":"Your your knowledge is is yeah.","start":2868.365,"end":2871.7249,"sentiment":"positive","sentiment_score":0.6541363994280497}],"sentiment":"positive","sentiment_score":0.46029452979564667,"num_words":17,"start":2850.1748,"end":2871.7249},{"sentences":[{"text":"Like, it's very impressive.","start":2871.7249,"end":2872.945,"sentiment":"positive","sentiment_score":0.7829645425081253},{"text":"You you're I I could ask you a question.","start":2873.085,"end":2875.805,"sentiment":"neutral","sentiment_score":0.14685358769363827},{"text":"I'm sure you would you know, even explaining all that notice intent to to claim or whatever of yeah.","start":2875.805,"end":2881.645,"sentiment":"neutral","sentiment_score":0.07983004772349407},{"text":"That's just I'm sort of getting the the hang of what I have to do, but previously, I wouldn't even know.","start":2881.645,"end":2887.8,"sentiment":"neutral","sentiment_score":0.04318544212063508},{"text":"Yep.","start":2905.235,"end":2905.735,"sentiment":"neutral","sentiment_score":0.09789180010557176}],"sentiment":"neutral","sentiment_score":0.12916847130852854,"num_words":54,"start":2871.7249,"end":2905.735},{"sentences":[{"text":"Perfect.","start":2907.475,"end":2907.975,"sentiment":"positive","sentiment_score":0.4734594225883484},{"text":"Thanks very much, Veronica.","start":2912.69,"end":2913.8098,"sentiment":"positive","sentiment_score":0.49230512976646423},{"text":"Nice to talk to you again, and enjoy.","start":2913.8098,"end":2916.2898,"sentiment":"positive","sentiment_score":0.5909519866108894},{"text":"Is it are you in Queensland, are you?","start":2916.2898,"end":2918.5498,"sentiment":"neutral","sentiment_score":0.0298348655924201},{"text":"Is it warm up there or oh, it's raining, is it?","start":2920.45,"end":2926.15,"sentiment":"neutral","sentiment_score":0.003871843239969828}],"sentiment":"neutral","sentiment_score":0.23286140734126093,"num_words":32,"start":2907.475,"end":2926.15},{"sentences":[{"text":"Okay.","start":2926.725,"end":2927.225,"sentiment":"neutral","sentiment_score":0.007503625936806202},{"text":"Oh, well, enjoy the rain.","start":2928.925,"end":2932.425,"sentiment":"neutral","sentiment_score":0.07281537037342786},{"text":"It's raining here as well where yeah.","start":2933.5251,"end":2936.645,"sentiment":"neutral","sentiment_score":0.1935186780590032},{"text":"We get rain here.","start":2936.645,"end":2937.5251,"sentiment":"neutral","sentiment_score":-0.0012739656958729029},{"text":"Well, it's been a bit dry, but it's it's been rain, but raining a lot.","start":2937.5251,"end":2940.645,"sentiment":"neutral","sentiment_score":-0.015120172562698523}],"sentiment":"neutral","sentiment_score":0.0466972741560312,"num_words":32,"start":2926.725,"end":2940.645},{"sentences":[{"text":"But I'm gonna take the dog for a walk.","start":2940.645,"end":2942.43,"sentiment":"neutral","sentiment_score":0.07756965400444137},{"text":"Yeah.","start":2945.39,"end":2945.71,"sentiment":"neutral","sentiment_score":-0.051855042576789856},{"text":"Mine doesn't like going for a walk in the rain, but if she doesn't get a walk, she'll probably chew your arm off because she she just she needs she needs to get that, you know, that oh, it's not really the exercise for her because, yeah, she's a working one, so she's just got a lot of energy, but it's more just to give her some, you know, sniffing, and then she's out there and just a bit of stimulation.","start":2945.71,"end":2968.195,"sentiment":"neutral","sentiment_score":0.026377210094604964},{"text":"Always good.","start":2969.295,"end":2970.115,"sentiment":"positive","sentiment_score":0.7340779006481171},{"text":"Alright.","start":2980.6099,"end":2980.93,"sentiment":"positive","sentiment_score":0.38829633593559265}],"sentiment":"neutral","sentiment_score":0.04935402125912778,"num_words":94,"start":2940.645,"end":2980.93},{"sentences":[{"text":"Perfect.","start":2980.93,"end":2981.25,"sentiment":"positive","sentiment_score":0.7998731732368469},{"text":"Thank you very much, Veronica.","start":2981.25,"end":2982.47,"sentiment":"positive","sentiment_score":0.8405710577964782},{"text":"See you.","start":2984.77,"end":2985.3298,"sentiment":"positive","sentiment_score":0.45770855247974396},{"text":"Bye.","start":2985.3298,"end":2985.8298,"sentiment":"neutral","sentiment_score":0.24309894442558289}],"sentiment":"positive","sentiment_score":0.6845827235115899,"num_words":9,"start":2980.93,"end":2985.8298}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Derek speaking.\n\nChannel 0: Good afternoon, Derek. This is Veronica from Mercy Financial. How are you? Can you hear me okay?\n\nChannel 1: Yep. I'm just good. My dog's just getting a bit crazy. Hey.\n\nChannel 0: That's okay.\n\nChannel 1: Enough. Gotcha. Enough. Enough. Alright.\n\nHow are you going? Good?\n\nChannel 0: Yeah. Good. How are you?\n\nChannel 1: Yeah. Nothing bad. I forgot\n\nChannel 0: That's\n\nChannel 1: about\n\nChannel 0: good.\n\nChannel 1: the appointment. I just got back, but\n\nChannel 0: That's\n\nChannel 1: that's\n\nChannel 0: okay.\n\nChannel 1: all good.\n\nChannel 0: We can always reschedule for a more suitable time if you're a bit busy right now. That's no problem.\n\nChannel 1: No. It should it doesn't go on for too long, does it? Or\n\nChannel 0: No. Probably a twenty minutes or so.\n\nChannel 1: okay. Cool. No. That's alright. I can do it now.\n\nChannel 0: Yeah? Okay. Well, I'll try to make it quick for you.\n\nChannel 1: That's alright.\n\nChannel 0: But before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Yep. Full name, Derek Andrew Saps. Date of birth, 10/06/1973. Address there in Claremont Street, Albion, Victoria 3020.\n\nChannel 0: Yep. Beautiful. That's exactly what I have here. Now before I do kind of jump into things, I do like to start by asking if there is anything specific you would like me to address today or any particular questions or just a bit of an update and see where everything's at?\n\nChannel 1: Yes. I remember we've had the conversation previously about putting extra funds into my super.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. And so when the guy spoke to me, I think,\n\nChannel 0: How\n\nChannel 1: to organize this appointment, I can't remember his name, He said don't\n\nChannel 0: mhmm.\n\nChannel 1: put\n\nChannel 0: Whitlam.\n\nChannel 1: it in yet until\n\nChannel 0: I'm\n\nChannel 1: I've\n\nChannel 0: sorry.\n\nChannel 1: spoken to you. So I haven't put in any money in yet.\n\nChannel 0: Okay. That's okay. We can have a bit of a chat to the day. And if you know how much you wanna put in, I would say absolute latest, try to have it done by Wednesday and next week the latest just\n\nChannel 1: Yep.\n\nChannel 0: so it gets into your Netwealth account early enough for them to process at this financial year because they get quite booked out or blocked out at this time of the year with kind of everyone wanting to do the same. So do you remember how much you wanna put in? I know, obviously, you've spoken to your accountant and stuff before and had last time a bit of a figure in mind.\n\nChannel 1: Yeah. I'll probably only put I reckon only probably two brands, I think,\n\nChannel 0: Two\n\nChannel 1: around\n\nChannel 0: grand?\n\nChannel 1: about that. I'll have to have a look at my account, see how much I've got in there.\n\nChannel 0: Yep.\n\nChannel 1: But I'll probably\n\nChannel 0: Alright.\n\nChannel 1: only put two because we're gonna do some renovations. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I don't know. It's two it's two worth it, you think? Or\n\nChannel 0: I mean, it all makes a difference because at the end of the day, you put in 2,000 in. The downside is it is locked in through your immediate condition of the lease. So, obviously, be mindful of the money you put in is restricted, so you can't access it if until you turn 60 or stop working turn 60 and stop working. So just be mindful of that. But if you do have the spare cash, you don't need it, then it is a great way to boost your super further in a very tax effective way.\n\nBecause how you do put it into into superannuation because it's from your bank account, it's after tax contribution. But with that NOI is how we can then change it through a pretax contribution, which is where you do get a little bit of that tax saving, which I think is what your accountant kind of went through with you as well briefly.\n\nChannel 1: Yeah. He\n\nChannel 0: Does\n\nChannel 1: told\n\nChannel 0: that\n\nChannel 1: me,\n\nChannel 0: ring a\n\nChannel 1: look.\n\nChannel 0: bell?\n\nChannel 1: Yeah. He told me, look. Whatever you can put in, put it in, and then I think you claim it or whatever as a\n\nChannel 0: Correct.\n\nChannel 1: I\n\nChannel 0: Yeah.\n\nChannel 1: don't know\n\nChannel 0: So,\n\nChannel 1: what the current what it's called.\n\nChannel 0: yes, called notice of intent. So, basically, from your point of view, you would just put it in from your bank account into your super. You would let us know when you've done it, And then I will get with Lamb to send you the form through process and change it. And then, basically, you will get a certificate of currency afterwards, and you will just provide that to your accountant when you do your tax return. And then they will do all their stuff in the back end for you.\n\nChannel 1: Okay. So we just put that money in. Did is there a form? I think you send me the form to put the money in that goes that way into Netwealth,\n\nChannel 0: Yes.\n\nChannel 1: or do I just go on to my account and then\n\nChannel 0: So\n\nChannel 1: just add money\n\nChannel 0: you\n\nChannel 1: in\n\nChannel 0: would\n\nChannel 1: our account?\n\nChannel 0: yeah. You would do it straight from your account. Now you need specific information. So Whitlam sent you an email on the April 14, so let me know if you don't have access to it. And that had your account details.\n\nSo you can do it via BPAY or direct transfer depending on works what works best for you. So if you just, for example, wanna do BPAY, you just go into your bank mobile and do BPAY. It has the biller code and reference number already listed there for you,\n\nChannel 1: Yep.\n\nChannel 0: and then that's basically how you pay it. You would just let us know that you've done it, and then Whitlam will do all the paperwork and everything needed in the back end there for you.\n\nChannel 1: Okay. So I'll let you guys know. Just via\n\nChannel 0: Yes.\n\nChannel 1: an email or something.\n\nChannel 0: Yep. Perfect. Just an email or quick phone call, whatever's ECS email is perfect. Just to say, hey. Just put a bit of contributions in.\n\nCan I please make a a notice of intent to claim, or could you please help me just you can just put NOI? I know what it is anyway, so I'll keep a lookout for that email. And then with land, we'll send you a form to sign, and then we will authorize that change for\n\nChannel 1: Okay. So say I know you said before. So if I put $2 in, that comes off my\n\nChannel 0: you. Mhmm. Taxable\n\nChannel 1: salary.\n\nChannel 0: income. Yes.\n\nChannel 1: So if I earn a $105,000 on I'd only get taxed on a 103,000 or something. Is that how it works?\n\nChannel 0: Yeah. Exactly. So that's how it saves a bit of tax. So, obviously, on the 105, you would pay a lot higher tax rate on it than through super. So through superannuation, you only get taxed at 15% versus if your income is a a 105, then you get taxed at 30%.\n\nSo, basically, that 15% difference is what then makes that difference on the the 2,000. Does that make sense?\n\nChannel 1: Okay. That makes sense. Yep.\n\nChannel 0: Yep. Yep. So everything that you can put in does make a difference and, obviously, contributes to your super and retirement at the end of the day. And the accountants do like it as well because you do get they can help balance that a little bit from the tax when they do the tax return. And, yeah, that's how it makes the biggest tax saving.\n\nAnd your income is still around 105. Is that right?\n\nChannel 1: I think so. Yeah. Sounds about\n\nChannel 0: Yeah.\n\nChannel 1: right.\n\nChannel 0: Is that okay. Perfect. Because I also wanna make sure you don't exceed any cap spaces. I don't think so with the 2,000, but I'll just wanna triple check. So a 105.\n\nNow employer still pays 12% contribution into super. There hasn't been any, EBAs or changes in regards to that.\n\nChannel 1: No. We're going through EVA at the moment.\n\nChannel 0: Okay. And do you know when that will take effect? Will that be next financial year?\n\nChannel 1: It's\n\nChannel 0: It\n\nChannel 1: gonna\n\nChannel 0: takes\n\nChannel 1: take\n\nChannel 0: away\n\nChannel 1: years.\n\nChannel 0: a lot now with the government.\n\nChannel 1: Because yeah. Now it's gone to eight councils have joined together to to fight at them. They're\n\nChannel 0: Right.\n\nChannel 1: they're taking industrial action.\n\nChannel 0: Mhmm.\n\nChannel 1: Sorry. I'm seeing I'm just gonna go to the front door.\n\nChannel 0: Sure.\n\nChannel 1: Is\n\nChannel 0: That's\n\nChannel 1: that alright?\n\nChannel 0: okay. Yeah. Of course. Take\n\nChannel 1: It's a\n\nChannel 0: your\n\nChannel 1: shock.\n\nChannel 0: time.\n\nChannel 1: Sasha. You know? Crazy dog.\n\nChannel 0: No. That's okay. I have a lab. So I know.\n\nChannel 1: Oh,\n\nChannel 0: I\n\nChannel 1: you got\n\nChannel 0: know.\n\nChannel 1: a Labrador? Oh, yeah. Mine's\n\nChannel 0: Yeah.\n\nChannel 1: a German Shepherd.\n\nChannel 0: Mhmm. No. They're they're quite vocal. So I get it.\n\nChannel 1: Thanks, buddy. Yeah. That's me. Alright. This is.\n\nTake your toes. Awesome, man. Thank you. Shut up. Sorry.\n\nShe's friendly, really.\n\nChannel 0: No. That's okay. Mine gets mine gets protective when the mail comes as well. So\n\nChannel 1: Yeah. She doesn't she doesn't like delivery drivers,\n\nChannel 0: yep.\n\nChannel 1: but anyway, sorry about that.\n\nChannel 0: That's that's all good. So, yeah, EBA, no changes anyway, though, just financial year or\n\nChannel 1: No.\n\nChannel 0: any\n\nChannel 1: It\n\nChannel 0: immediate.\n\nChannel 1: we're apparently no.\n\nChannel 0: Mhmm.\n\nChannel 1: So when it goes through, which eventually it will\n\nChannel 0: Mhmm.\n\nChannel 1: because they're taking industrial action,\n\nChannel 0: Mhmm.\n\nChannel 1: we're apparently, we're gonna get back paid\n\nChannel 0: Okay. Contributions\n\nChannel 1: from\n\nChannel 0: or\n\nChannel 1: I'm\n\nChannel 0: just\n\nChannel 1: not sure.\n\nChannel 0: pay?\n\nChannel 1: Just it\n\nChannel 0: Okay.\n\nChannel 1: happened the last EBA when it all went through.\n\nChannel 0: Mhmm.\n\nChannel 1: It goes back, and then you just get this lump sum because they couldn't agree for\n\nChannel 0: Okay.\n\nChannel 1: years or whatever. I don't know. So we're still waiting, but I doubt nothing's gonna change. I'll just say nothing\n\nChannel 0: Okay.\n\nChannel 1: will change.\n\nChannel 0: Okay. And salary sacrificing, are you still doing about a $100 a fortnight, or have any of\n\nChannel 1: Yeah.\n\nChannel 0: that changed?\n\nChannel 1: The same. I haven't changed, so that's exactly the\n\nChannel 0: Okay.\n\nChannel 1: same.\n\nChannel 0: Alright. Perfect. Now let me just check that here for you. Oh, yeah. So you still have plenty of space, which is good.\n\nSorry. At the moment, because how the app pretax contributions work, there is a cap space each financial year. So for this financial year, it's 30,000. It is going up next financial year. But for this financial year, it is 30,000.\n\nThat includes employee contributions and salary sacrifice contribution as well as the contributions you are looking at making tax effective. Now at the moment, you have about 15,223, so you do have plenty of space for the 2,000 if you wanted to do that. So if you wanted to do a lot more, like 15 or something, I'll say, oh, just just let me run the math for you. But two is perfectly fine for you to do.\n\nChannel 1: Okay. Yeah. I'll have a look at it. Maximum, it'll be three, but I think it'll be\n\nChannel 0: Okay.\n\nChannel 1: around two because, yeah, we wanna do some other stuff in the kitchen renovation sort of thing. So I don't wanna put\n\nChannel 0: Yes. No. And you can do\n\nChannel 1: yeah.\n\nChannel 0: it whenever you want to as well. The the NOI, you get back at tax return. That's what a lot of people do it kind of around now because, obviously, you get it back quicker. But even if you were to do, let's say, two, and then throughout next year, you were like, oh, I have a little bit more. Like, you can you can put in throughout the year.\n\nYeah. The reason that most people do it closer to the financial year is that you get a back sooner, basically.\n\nChannel 1: Okay. Perfect. I'm trying\n\nChannel 0: Yep.\n\nChannel 1: to have a look. Do you know what the email on the fourteenth? By Whitlam? Do you know what it would have been sent through so I can have a look?\n\nChannel 0: Yeah. Let me see here. It says '14 on the fourth, and it was from, I think, servicing@ocfinancial.com.au or from Whitlam. But I can\n\nChannel 1: Okay.\n\nChannel 0: always get him to resend it to you today it's at the top of\n\nChannel 1: Oh,\n\nChannel 0: your\n\nChannel 1: no.\n\nChannel 0: inbox\n\nChannel 1: I've\n\nChannel 0: if\n\nChannel 1: got\n\nChannel 0: you would\n\nChannel 1: it\n\nChannel 0: like.\n\nChannel 1: here. It's\n\nChannel 0: You got it?\n\nChannel 1: two pages, and it's already prefilled with my details. Is that that about\n\nChannel 0: And does\n\nChannel 1: right? Netwealth\n\nChannel 0: it have\n\nChannel 1: superannuation fund nomination, and it's already prefilled.\n\nChannel 0: mhmm.\n\nChannel 1: And all I've got to sign it, and all the details are already here, all the banking electronic funds.\n\nChannel 0: Yes. So then\n\nChannel 1: Yeah.\n\nChannel 0: you have all the\n\nChannel 1: Yeah.\n\nChannel 0: information there that you can put in how much or little you would like.\n\nChannel 1: So it's already been prefilled. All I have to do is put the money\n\nChannel 0: Literally.\n\nChannel 1: in and sign\n\nChannel 0: Correct.\n\nChannel 1: it, and then I send that back\n\nChannel 0: Send\n\nChannel 1: to you?\n\nChannel 0: it to us. Yes. You can\n\nChannel 1: Okay.\n\nChannel 0: send it\n\nChannel 1: Perfect.\n\nChannel 0: back to that email because Whitlam is my kind of administration assistant, so he will liaise with me. So he will if you just respond to that email, that's fine because then I get all\n\nChannel 1: Okay.\n\nChannel 0: of those as well. Yep.\n\nChannel 1: Got it. It must be good having your administration assistant, is it?\n\nChannel 0: It is nice. It is really\n\nChannel 1: Say,\n\nChannel 0: handy\n\nChannel 1: hey. Do\n\nChannel 0: at\n\nChannel 1: this.\n\nChannel 0: times.\n\nChannel 1: Does he does he get you does he get coffee and stuff for you, or is that like,\n\nChannel 0: No. That's too\n\nChannel 1: no.\n\nChannel 0: much. I wouldn't do\n\nChannel 1: Oh,\n\nChannel 0: that.\n\nChannel 1: come\n\nChannel 0: It's\n\nChannel 1: on.\n\nChannel 0: helping it's helping with\n\nChannel 1: He's healthy.\n\nChannel 0: work.\n\nChannel 1: Okay. Fair\n\nChannel 0: I\n\nChannel 1: enough.\n\nChannel 0: think I'm pretty nice. But, no, he he's he's he's good. So, yeah, he will he will handle all that, but let me know how it's all going. But, yeah, you can definitely do 2,000. Like I said, the the only thing to be mindful of is, obviously, it's locked in.\n\nSo just make sure you whatever you put in is money you don't need anytime soon.\n\nChannel 1: I'll never get it back.\n\nChannel 0: You will later, but just not right\n\nChannel 1: Well\n\nChannel 0: now.\n\nChannel 1: well, by the time the next, you know, I don't know who comes into power the next election. Maybe they'll make retirement at, like, 80 or something like that. So you can't touch your super until you're 80. Who knows?\n\nChannel 0: Who who knows? It seems that, anyway, at the moment, a lot of people think you have to wait till 67, but that is just eight pension if you're eligible for it. You can with the current legislation, if you decide that you wanna retire, you can access everything tax free at 60.\n\nChannel 1: Oh, can you?\n\nChannel 0: Yep. So everything tax free, if you decide when you turn 60, you go, no. I wanna retire. You can take everything tax free from super. Most people, yeah, think they have to wait till 67, and that is just age pension.\n\nSo if you do decide you turn 60 and you go, woo hoo. I wanna take everything. That's fine. Just be mindful then that age pension doesn't kick in until 67 that it needs\n\nChannel 1: Also, it's\n\nChannel 0: to\n\nChannel 1: gonna last me seven years.\n\nChannel 0: last until age pension. Or a lot of people, what they do at 60, if you wanna, like, go down to part time, is that you reduce your hours a little bit and draw a bit of an income from superannuation under a transition to retirement strategy, which is very tax effective, which we can obviously look at when when that comes into play, which is where you can draw some money from super tax free, doing some contributions into super if you're still working, and basically end up with the same income at the end of the day. So it's basically designed for where you are then kind of literally transitioning into retirement. So you still wanna work. You just wanna reduce your hours, but obviously need the same amount of income to cover bills and expenses and stuff like that.\n\nChannel 1: Okay. That makes sense.\n\nChannel 0: Yeah. So but, yeah, otherwise, 60 if you stop working.\n\nChannel 1: Oh, I must stop working at 60.\n\nChannel 0: Yeah. Now other changes. So I'll just go through the bit of the fax on here and see if there's anything else that's changed for you. Personal information, I have you down here as in a defector relationship with no financial dependent. Is that correct?\n\nChannel 1: Finance Oh, I mean, she works. But do you mean does she\n\nChannel 0: Oh, financial dependent as in, like, kids that lives at home.\n\nChannel 1: oh, no. Just a dog.\n\nChannel 0: No.\n\nChannel 1: She's financially\n\nChannel 0: Yeah.\n\nChannel 1: dependent on us. But no.\n\nChannel 0: Yeah.\n\nChannel 1: She is there.\n\nChannel 0: No. Perfect. Occupation wise, we've already gone over your income, but has your role or anything like that changed or still doing the same thing?\n\nChannel 1: No. It's changed, but you know what? I'm sick of it. I'm gonna quit soon.\n\nChannel 0: Yeah. What are you so are you still working for the local government council, just doing something\n\nChannel 1: Yeah.\n\nChannel 0: different?\n\nChannel 1: I'm I'm still working there, but it's been twelve years, and you know when you had enough of a job.\n\nChannel 0: Yeah. Just need a little\n\nChannel 1: It's\n\nChannel 0: change.\n\nChannel 1: I I need a change. I don't know what I'm gonna\n\nChannel 0: Mhmm.\n\nChannel 1: do. I've got lots of leaves that I've accumulated, but I'm not sure at this stage. I sort of just gotta weigh it all up, but I'm I'm\n\nChannel 0: Mhmm. Okay.\n\nChannel 1: sort of look I will be maybe next time you speak to me next year, I might have another job, but I I don't know.\n\nChannel 0: Okay. Okay.\n\nChannel 1: I'd rather have\n\nChannel 0: If\n\nChannel 1: another\n\nChannel 0: anything\n\nChannel 1: job than\n\nChannel 0: change\n\nChannel 1: be somewhere. Yeah. I'll let\n\nChannel 0: Yeah.\n\nChannel 1: you know.\n\nChannel 0: Yeah. Just let us know if you need any information or if we need to reassess anything there for you. Asset wise, your property I have here was last died at about 07:50. Is that still kind of the case? Would you know if that went up a little bit?\n\nChannel 1: I don't know. They sold the house across the road for 1,300,000, which was pretty good.\n\nChannel 0: Oh, wow. Is that fairly similar to yours? Do you know?\n\nChannel 1: No. There's this. They fully renovated it. The guy was a builder,\n\nChannel 0: Mhmm.\n\nChannel 1: and the land\n\nChannel 0: Mhmm.\n\nChannel 1: is a bit bigger. So, no, we wouldn't get 1.3. We'd probably I'll just keep it around the same, I think.\n\nChannel 0: The same? Okay. And\n\nChannel 1: Just\n\nChannel 0: about\n\nChannel 1: the biggest.\n\nChannel 0: 90 yeah. Perfect. And about 91 owing on the mortgage.\n\nChannel 1: It's about 80.\n\nChannel 0: 80? Oh, nice.\n\nChannel 1: But\n\nChannel 0: Change\n\nChannel 1: we're\n\nChannel 0: that.\n\nChannel 1: we're gonna have a renovation, but, yeah, currently, there's still 80.\n\nChannel 0: Current 80. Okay. Perfect. And do you own a motor vehicle or a boat or motorbike or anything?\n\nChannel 1: Nope. I got a company\n\nChannel 0: Nope.\n\nChannel 1: car.\n\nChannel 0: Ah, yes. Perfect. And I also have here investment share. It's about 25,000.\n\nChannel 1: Yeah. Well, the stock market is not very good at the moment. I keep looking at it every day and see how much money I'm losing because of the shares.\n\nChannel 0: Better fluctuations. Yeah.\n\nChannel 1: Yeah. So around about 20, I think, 24, 25. Yeah. Around about that.\n\nChannel 0: Yep. Perfect. Any other changes to your assets in the last twelve months? Any other new assets or liabilities or anything we haven't gone over?\n\nChannel 1: No. I've got some money from a will from one of my great aunts, but\n\nChannel 0: Okay. Is that\n\nChannel 1: but\n\nChannel 0: just gonna\n\nChannel 1: that\n\nChannel 0: savings\n\nChannel 1: just went\n\nChannel 0: in the bank at the moment, or is that going to the\n\nChannel 1: no.\n\nChannel 0: mortgage?\n\nChannel 1: That just went straight into the loan and spent some\n\nChannel 0: Yeah. Yep. Perfect. Otherwise, health and lifestyle wise, still a nonsmoker?\n\nChannel 1: Still a nonsmoker.\n\nChannel 0: Perfect. And any changes significant changes to your health? Any issues or injuries or anything?\n\nChannel 1: No injuries. I started to go back to the gym.\n\nChannel 0: Okay. That's that's a good change.\n\nChannel 1: Yeah. So I've I hadn't gone in four and a half years since COVID, and I went back August was when I went back. And I go I've got my own program, and I have a PT once a week.\n\nChannel 0: Oh, beautiful. And are you enjoying it?\n\nChannel 1: Yeah. It's honestly, it's the best thing. And when I\n\nChannel 0: Yes.\n\nChannel 1: after eight months, I got on the body scan and did all the measurements,\n\nChannel 0: Mhmm.\n\nChannel 1: and I put on nine kilograms of muscle.\n\nChannel 0: Oh, wow. That's\n\nChannel 1: Yeah.\n\nChannel 0: great.\n\nChannel 1: So, yeah, I lost it. It and and, like, they couldn't even believe the, you know, the change that I've done just in the eight months just from and my my food intake was exactly the same. I hadn't changed anything that way. It was just going to the gym doing strength training and some cardio.\n\nChannel 0: Wow. Because putting on that much much muscle is hard because, obviously, muscles\n\nChannel 1: Yeah.\n\nChannel 0: weigh more than fat as well. So it's like putting on that muscle while still, you know, getting healthier, that's a very good achievement.\n\nChannel 1: Yeah. Look. I I didn't believe the results for the at first, I thought, oh, yeah. That's alright. And then my personal trainer, he he couldn't believe the results.\n\nHe said, you know, because that nine kilos of muffle that you put on, that would have been fat. So although I\n\nChannel 0: Exactly.\n\nChannel 1: only lost two kilos of overall body weight and an inch and a half of my waist,\n\nChannel 0: Mhmm.\n\nChannel 1: that nine kilos\n\nChannel 0: Converted.\n\nChannel 1: of muscle was,\n\nChannel 0: Mhmm.\n\nChannel 1: yeah, was fat. So, no,\n\nChannel 0: Yeah.\n\nChannel 1: I really enjoy it. And especially\n\nChannel 0: That's perfect.\n\nChannel 1: since I'm I'm getting results.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. I\n\nChannel 0: And\n\nChannel 1: really\n\nChannel 0: it's\n\nChannel 1: like\n\nChannel 0: good\n\nChannel 1: it.\n\nChannel 0: to\n\nChannel 1: It's\n\nChannel 0: do\n\nChannel 1: yeah.\n\nChannel 0: it's good to do those scans as well because it does give you motivation because sometimes if you if you keep going and going and, you know, yeah, you notice if you put more weight on, so you obviously get stronger. But\n\nChannel 1: Yeah.\n\nChannel 0: it is nice to do the scans every now and then to see, like, actual other changes because sometimes on a daily, you you you see yourself all the time. So it's sometimes harder to notice the\n\nChannel 1: Yeah.\n\nChannel 0: changes,\n\nChannel 1: That's\n\nChannel 0: so\n\nChannel 1: right.\n\nChannel 0: this scan's like a nice little check-in.\n\nChannel 1: Yeah. Because even if I, you know, I go on the scales, my weight's pretty much around the same. But when you go on the scan, it tells you how much fat, how much muscle, you know, and then all the measurements you put on an inch and a half around the waist oh, sorry, around your biceps, around that. Yeah. No.\n\nIt's it's it's good. I really like. But I like going there because the gym I go to is like a boutique gym.\n\nChannel 0: Oh, yes.\n\nChannel 1: So they've\n\nChannel 0: Yeah.\n\nChannel 1: only got, like, 300 odd members, and they're all it's like a family. Everyone's like, hi. You know, it's really cool. I like it.\n\nChannel 0: Yeah. Yeah. Oh, that's good. Well, that's a really good really good to\n\nChannel 1: It\n\nChannel 0: hear.\n\nChannel 1: was taking\n\nChannel 0: And estate planning wise, do you have a will or anything like that in place?\n\nChannel 1: No.\n\nChannel 0: No. That's all good.\n\nChannel 1: That's something that we wanna look into because, obviously, if you don't\n\nChannel 0: I'm\n\nChannel 1: have a wheel, does it just go to the government, or where does it go?\n\nChannel 0: sorry. If you don't have a will in place, it will obviously go through, like, the system and through the termination of who are potentially most suited for it. So they can obviously decide who they think have the highest right to your assets. So it is good to have because in the event that someone try to contest anything, sometimes straightforward, it can just go to the partner, but that's not always the case. So because sometimes, unfortunately, when people do pass away, sometimes it doesn't bring out the best in people at times.\n\nSo there can be instances with someone else decide to contest it to be like, no. You know, x y zed, I want access to this and this and this. So having\n\nChannel 1: Yep.\n\nChannel 0: a will in place just means that certainty for you that if something were to happen, you have stipulated that legally you would like this to go to this person or multiple people\n\nChannel 1: Okay.\n\nChannel 0: or split it however you want. So it just provides you with, yeah, more certainty in regards to that and and eliminates someone else trying to come in and take your assets, essentially, if that's not who you actually wanted to go to.\n\nChannel 1: Yeah. Okay. Thanks.\n\nChannel 0: And\n\nChannel 1: No. That's really we've been wanting to do it.\n\nChannel 0: and\n\nChannel 1: We'll probably\n\nChannel 0: do you guys\n\nChannel 1: get around\n\nChannel 0: have somewhere local that you you know that you could get it sorted through, or do you need some information\n\nChannel 1: here. No.\n\nChannel 0: regards to someone?\n\nChannel 1: No. We'll pro we'll probably go somewhere local. I know I did speak\n\nChannel 0: Yep.\n\nChannel 1: to someone from your agency a couple\n\nChannel 0: Mhmm.\n\nChannel 1: of years ago, and someone called me from Perth oh, no. From your from Queensland. But I'd probably\n\nChannel 0: Mhmm.\n\nChannel 1: rather have someone local.\n\nChannel 0: Yeah. And that is perfectly\n\nChannel 1: And\n\nChannel 0: fine. Sometimes people\n\nChannel 1: yeah.\n\nChannel 0: prefer that.\n\nChannel 1: And then if I have to do any changes, I can do it\n\nChannel 0: Yeah.\n\nChannel 1: that way\n\nChannel 0: Straight\n\nChannel 1: rather\n\nChannel 0: away.\n\nChannel 1: than\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Now the good thing as well with so with your estate super and insurances, it does not form part of the estate. So that is separate. Now if there is no valid nomination in place, it will go through the estate, but you have valid nominations in place. So that wouldn't fall form part of the estate. So if something were to happen, I have everything going to Anne at the moment at a 100%.\n\nSo\n\nChannel 1: Yeah.\n\nChannel 0: that would\n\nChannel 1: No. That's\n\nChannel 0: straight\n\nChannel 1: that's\n\nChannel 0: go\n\nChannel 1: fine.\n\nChannel 0: to her anyway. So people can't really contest that.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: So that's\n\nChannel 1: No.\n\nChannel 0: good.\n\nChannel 1: My father, unfortunately, when he passed away, he's well, he left everything to the to the evil stepmother.\n\nChannel 0: Yeah. Okay. Yep.\n\nChannel 1: And so yeah. And it got really messy. She was really\n\nChannel 0: Mhmm.\n\nChannel 1: greedy. But in the the at the end of the day, like, you know, they said, well, you can go and contest it at the high court. It's gonna cost\n\nChannel 0: Yeah.\n\nChannel 1: you $5,000 a day to contest. But in the will, it said, I leave my entire estate to her. I don't mean to do that\n\nChannel 0: So\n\nChannel 1: to\n\nChannel 0: then\n\nChannel 1: your\n\nChannel 0: it's\n\nChannel 1: kids\n\nChannel 0: hard.\n\nChannel 1: is pretty harsh. You\n\nChannel 0: Yeah.\n\nChannel 1: know what I mean? So\n\nChannel 0: Yeah.\n\nChannel 1: she yeah. Anyway, she ended up with yeah. Because my dad was a politician retired, so he had a huge super. He had two properties. He had we got some because we had to con we contested and say this is unfair,\n\nChannel 0: Right.\n\nChannel 1: and\n\nChannel 0: Yeah.\n\nChannel 1: we did have some of it. But overall, we was just like, this dad, you know, I wish I\n\nChannel 0: It\n\nChannel 1: could\n\nChannel 0: doesn't.\n\nChannel 1: speak to him now. It\n\nChannel 0: Yeah.\n\nChannel 1: it was you just don't do that to your kids. I mean, it was\n\nChannel 0: Yes.\n\nChannel 1: no. Sorry. He left us his books. That's what he left\n\nChannel 0: Okay.\n\nChannel 1: us, his books. Can you believe that?\n\nChannel 0: Yeah. And so you would know firsthand with Will and contesting and experiences and yeah. It's it\n\nChannel 1: Yeah.\n\nChannel 0: doesn't\n\nChannel 1: They can get\n\nChannel 0: it's\n\nChannel 1: messy.\n\nChannel 0: not a great thing. Very messy. Sorry. We\n\nChannel 1: And\n\nChannel 0: wanna\n\nChannel 1: everyone's\n\nChannel 0: make sure we have\n\nChannel 1: comes in for their piece of the pie and everyone that\n\nChannel 0: Yeah.\n\nChannel 1: you know, that who\n\nChannel 0: I'm\n\nChannel 1: who\n\nChannel 0: very\n\nChannel 1: are you?\n\nChannel 0: grateful.\n\nChannel 1: And they're just saying, oh, yeah. I\n\nChannel 0: Mhmm.\n\nChannel 1: want this. And I was, oh my god. How really it yeah.\n\nChannel 0: Yeah.\n\nChannel 1: And the unfortunate thing we haven't spoken to her now in probably ten years. And, you know,\n\nChannel 0: Yeah.\n\nChannel 1: the step and we used to speak to her all the time. We really close, and then the whole thing just exploded, and she just got so greedy. And we didn't want everything, but we, you know, this we just wanted to be fair. You know?\n\nChannel 0: Yeah.\n\nChannel 1: It\n\nChannel 0: Yeah.\n\nChannel 1: it's anyway, sorry. I don't wanna bore you. It's\n\nChannel 0: No.\n\nChannel 1: just\n\nChannel 0: And I hear\n\nChannel 1: it's\n\nChannel 0: it all\n\nChannel 1: just\n\nChannel 0: the time.\n\nChannel 1: really\n\nChannel 0: It's all the time. And we obviously because we obviously manage your super\n\nChannel 1: shit.\n\nChannel 0: and insurances, we see it from that point of view as well, which is why we stress the importance of having nominations, which you do now, which is great, in place.\n\nChannel 1: Yeah.\n\nChannel 0: So those people who don't and it's obviously something would've happened. The amount of people that can call and trying to get anything, it's it does not always bring out the best in people, unfortunately.\n\nChannel 1: Yeah.\n\nChannel 0: So, yes, it's very important to have have it all in order. And at least you have, like I said, the the super and everything sorted, and then it would just be, obviously, the will when you have a moment to have it to\n\nChannel 1: Yeah.\n\nChannel 0: have a look\n\nChannel 1: Because\n\nChannel 0: at it.\n\nChannel 1: even with our house, the property is in joint names. It automatically goes to her anyway, doesn't it? Is that true?\n\nChannel 0: Depends on how you guys have it structured. So there\n\nChannel 1: Okay.\n\nChannel 0: are different ways you can have it structured. So you can have, like, tenants in common or joint tenants. So there's different ways you can have it structured. But, basically, tenants in common is basically where you have one portion and she has one portion, and your portion can give through whoever you want. So if something were to happen, let's say you own 50%, you can then say, okay.\n\nWell, if something were to happen to my I want my 50% to go through x y z.\n\nChannel 1: Oh,\n\nChannel 0: But, otherwise, you have, like, a joint tenancy, which is more common, and that is basically where you have fifty fifty ownership. And then if, let's say, you would have passed away, it would automatically go through the other person, etcetera.\n\nChannel 1: Thank you. But your knowledge is I'm very impressed. You have to ask you know the answer for every question.\n\nChannel 0: Oh, that's it's it's a lot to do. We have to do a lot of studies. But\n\nChannel 1: Yeah. I can\n\nChannel 0: but yeah.\n\nChannel 1: imagine.\n\nChannel 0: It's but, yeah, your if you do speak to a lawyer as well, they would be obviously the best pass\n\nChannel 1: Yeah.\n\nChannel 0: person in regards to all of this and to make sure it. But, yeah, most of the time, people have that joint tenancy\n\nChannel 1: Joint,\n\nChannel 0: agreement.\n\nChannel 1: Timothy. Alright. Thanks.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. I'll I'll get on to looking at a wheeler try and organizing something, I think.\n\nChannel 0: Yep. Perfect. Now, otherwise, obviously, aside from the world, doing some renovations, doing a bit of extra contributions to Sousa, is there anything else that you guys are working towards, or that's kind of your main point at the moment?\n\nChannel 1: No. That's sort of it. I'm trying to win\n\nChannel 0: Yeah.\n\nChannel 1: the lottery, though. Still\n\nChannel 0: Yeah.\n\nChannel 1: still not there\n\nChannel 0: That'd\n\nChannel 1: yet,\n\nChannel 0: be\n\nChannel 1: unfortunately.\n\nChannel 0: nice. Oh, yeah. Now do you have access to your emails at the moment or not really right now?\n\nChannel 1: Yeah. Got access.\n\nChannel 0: Yes? Okay. Perfect. So I have sent you an email with some documents. Just same as last time, just a bit of an update on everything for you.\n\nIf you can access that for me.\n\nChannel 1: Okay.\n\nChannel 0: We have recently\n\nChannel 1: Yep.\n\nChannel 0: changed the software as well, so it can sometimes end to stem.\n\nChannel 1: Yeah. I'm sorry. I just opened up my latest payslip, and this\n\nChannel 0: Alright.\n\nChannel 1: is from last\n\nChannel 0: Mhmm.\n\nChannel 1: week. So 100\n\nChannel 0: Yep.\n\nChannel 1: and 1,000, and I get paid today. So, yeah,\n\nChannel 0: Okay.\n\nChannel 1: it'll be around so that's probably my overall,\n\nChannel 0: Probably\n\nChannel 1: and\n\nChannel 0: around\n\nChannel 1: I contribute\n\nChannel 0: that.\n\nChannel 1: a $100 a fortnight, I think it is.\n\nChannel 0: Yeah. I have here\n\nChannel 1: Net\n\nChannel 0: from\n\nChannel 1: s s.\n\nChannel 0: from your yeah. Exactly. I have here a $100.91 per fortnight from your transaction.\n\nChannel 1: Yep. That sounds about\n\nChannel 0: So\n\nChannel 1: right.\n\nChannel 0: alright. Perfect. Now to make it easier for you, what order can you see the documents?\n\nChannel 1: Just hang on.\n\nChannel 0: Sure. And it will ask you to click on the link where it's assigned documents, but it will allow you to open up everything and look at it first.\n\nChannel 1: Oh, yep. Is this the one Derek sign review annual review?\n\nChannel 0: Yes. Yes. Yep.\n\nChannel 1: Oh, yeah. Are we are we gonna talk about my super or not? Oh, sorry.\n\nChannel 0: Yes.\n\nChannel 1: My is it have I got or do I sign it first?\n\nChannel 0: No. Sorry. If you click on the link, it will actually allow you to look at everything first, and the documents will be your your super and your investments and everything like that. Only at the end will it ask you to sign if you're happy to do so, but you can see everything first.\n\nChannel 1: Okay. Alright. So my superannuation, $225,000. Yep.\n\nChannel 0: So can\n\nChannel 1: That's\n\nChannel 0: you see that super in insurance\n\nChannel 1: what\n\nChannel 0: summary? Is that the one you're at at the moment?\n\nChannel 1: I'm Super summary of superannuation and insurances.\n\nChannel 0: Yes. Beautiful.\n\nChannel 1: Is that is that\n\nChannel 0: Yeah.\n\nChannel 1: what I'm yeah.\n\nChannel 0: Correct.\n\nChannel 1: I just opened up the attachment. That's the first\n\nChannel 0: Yeah.\n\nChannel 1: page.\n\nChannel 0: Perfect. So, yeah, you can see here that you obviously have your super network. You can see your balance there at the moment as well. And underneath that, you also have your insurances with TOW. So you have your life and total permanent disability insurance of 525,000 paid from within Netwealth.\n\nYou don't pay for it out of pocket. And after tax, you pay 2,360. Do you\n\nChannel 1: Yep.\n\nChannel 0: still have to do with that level of cover for life and TPD?\n\nChannel 1: Yeah. I think that's okay.\n\nChannel 0: Yep. Perfect. It would obviously pay out the mortgage if something were to happen, cover your loss of income for quite some time or, you know, any medical expenses or anything that you might need.\n\nChannel 1: Yeah.\n\nChannel 0: Now the next document, is that your asset performance detail with Netwealth?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Now this one can look a little bit messy, but that breaks down all your individual investment. So, obviously, like you touched on as well, the last twelve months have seen a little bit of fluctuations in the market. Obviously, you had everything going on in The US with, obviously, Trump and and everything, and more recently, everything with the war. So we've quite seen a bit of a mixed result of your investment.\n\nNow you can see here on the second column to the right where it says return percentage, you can see each and every single one of your investments individually outlined. So you can see here that gold, for example, was up at 17.84%, which is pretty crazy. Now the Benelon Australian Equity, do you remember getting an email around March in regards to an investment switch?\n\nChannel 1: Maybe.\n\nChannel 0: It wasn't anything you had to sign. No. That's all good. Basically, what that email was is that the investment committee do research on the investments all the time to make sure that we always have you in the best position possible because there are things that's always changing. So we do wanna make sure we are very proactive with it.\n\nAt the same time, you don't wanna necessarily sell while things are down. If we if it's just a bit of a cyclical trend, then we foresee things coming back around. But at the same time, if there are a bit of kind of underlying lagging of the investment and we foresee it not being the best option moving forward, we also wanna make sure we change things into a more suitable option for you. So\n\nChannel 1: Okay.\n\nChannel 0: what's that one investment? Which you can see here actually that that was the only investment that was down in your portfolio over the last twelve months. You can see that that was down quite a bit, the Benelon Australian equity, and that was changed for your BetaShares Australia 200. So because we changed an Australian equity investment, they wanted to make sure that they swapped it for another Australian option because we wanna make sure things are very diversified for you. We don't want everything just in The US or everything in, you know, emerging markets.\n\nWe wanna make sure we keep things diversified. But the BetaShares Australia 200, it is a little bit more simplified because it invests in the 200 largest companies listed in Australia on the ASX. As the company grows, gets bigger, it gets added to it. And as the company gets smaller, it kind of comes off. So it's a little bit more stable than the Bennelong investment because that is a managed fund.\n\nSo that one, we're actively buying and selling different investments in order to try to outperform the market. They had done really well, which is why it was added to your portfolio in the first place, and it was a very strong investment. But a little bit more recently, it's been a little bit slower with making the investment decisions. And another reason to why things were down a little bit for them was that one of the investments that they had in their portfolio was the corporate travel group. I'm not sure if you heard anything on the news or anything with that, but they had\n\nChannel 1: No.\n\nChannel 0: a bit of issues with their reporting and that company. So it was actually suspended from trading for a while. So that kind of saw things, yeah, come down for Benelon. So that was what that switch was. So moving forward, you should see a little bit kind of smoother, with not having Benelon in your investments and, obviously, overall, a little bit more of an improvement as well because that was kind of the only one that the investment committee and everything researched that we wanted to change.\n\nAnd you can see here on the document that that was the only one that was underperforming for you as well.\n\nChannel 1: Okay. As long as\n\nChannel 0: Does\n\nChannel 1: it's\n\nChannel 0: that\n\nChannel 1: going\n\nChannel 0: make\n\nChannel 1: up.\n\nChannel 0: sense? Yes.\n\nChannel 1: No. Yeah. No. It makes sense.\n\nChannel 0: Yep. Beautiful. No. It's still very much going in the right direction. And we do have you invested in your growth portfolio.\n\nSo are you still happy with the level of risk and everything like that for a growth investor, or has anything changed for you?\n\nChannel 1: I don't know. Is it still I mean, you tell me. Is it is it still good to be what I in that growth sector? Or\n\nChannel 0: There there are a couple of different factors. So one of the thing is time frames to retirement. Obviously, the more actually, the next document is that a Vanguard index chart that you can see in front of you? Like a red graph?\n\nChannel 1: On the next document?\n\nChannel 0: Yes.\n\nChannel 1: Yeah. Yeah. Vanguard\n\nChannel 0: Yeah.\n\nChannel 1: index. Yep.\n\nChannel 0: Beautiful. Perfect. So we've one of the things we do factor in of making sure is that time frame. Now the the higher growth components you have to your portfolio, over the long term, you're gonna get the most amount of growth. So that's ultimately what we want.\n\nBut we also wanna make sure that you have enough time in the market for those fluctuations. So that is the first thing we look at. Now in a growth portfolio, we typically want to allow six years until retirement. So at the moment for you, obviously, you can't access super until 60. So it is a good position to be in when we are looking at a time frame.\n\nSo, basically, what you can see on the chart in front of you is those ups and downs of the market. So you can basically see here it is a good visual representation. So you can see from 1995 through to 2025, and Vanguard updates this yearly as well, which is good every financial year, so the new one should come out soon. And you can see that long term market always goes up. So, typically, the younger, obviously, we are, the more likely you see people in your your higher growth options or aggressive options because you have all the time in the market for that to come back around.\n\nBut the closer you get to retirement and that some people then wanna\n\nChannel 1: It must\n\nChannel 0: start gradually\n\nChannel 1: stop.\n\nChannel 0: reducing that risk, because if you wanna access your money tomorrow, you don't want that to be a massive dip at the same time. So the first thing is time frame. The time frame in a growth portfolio is suitable for you, so that gives you about six years. The other thing we look at is what you are comfortable with. So it's also making sure that you are comfortable with short term fluctuations because it's not all just, like, from a numbers point of view, most clients in a similar age to yourself, I see in that growth portfolio because they don't wanna access super through 60, 65, or 67, and they do wanna focus on controlling their super.\n\nSo from that point of view, it is a good portfolio for you. But then on the other side, I sometimes like, I could have a a seven year old who goes, oh, no. I want high growth. I just wanna grow it as much as possible, and I don't really care about fluctuations. But at the same time, I have a 20 year old who says, no.\n\nI'm not comfortable with any fluctuations even though I have so much time until, like, an access message that I do not feel comfortable with it. So it's kind\n\nChannel 1: Okay.\n\nChannel 0: of, like, multiple things. So time frame wise, growth is great for you, but it's also where you are comfortable with. Are you still comfortable seeing a bit of short term fluctuation in order to grow it?\n\nChannel 1: Yeah. I think I'm still\n\nChannel 0: Yep. And just so\n\nChannel 1: Yep.\n\nChannel 0: you know as well in, like, kind of the scale of things, we typically have through your your highest risk is we have an aggressive plus investment option, which is basically where you're borrowing money, doing a lot of gearing and stuff. You then have aggressive. You have your high growth and then your growth, which is where you are at currently. And then we have your your balance growth, balance, and defensive. So you are kind of somewhere right in the middle with things.\n\nAnd\n\nChannel 1: Okay.\n\nChannel 0: what that also looks like from an asset allocation point of view is what you can see here on the graph is your growth investments typically have about 80% in this, and that is the top four. So you can see US shares, which is, like, your light green one. You have your Australian shares, which is, like, your dark green one. You have your international shares, which is, like, your yellow line, and then listed\n\nChannel 1: Mhmm.\n\nChannel 0: property at that kind of maroon color as well. So you can see that these are the ones that grow the most,\n\nChannel 1: Yep.\n\nChannel 0: but also fluctuate the most. And then we do have about 20% in those bottom three. So that is, like, your cash, your gold, your fixed interest, which you can see are a little bit more stable. They don't fluctuate as much, but they don't grow as much either. Does that all make sense, Eric?\n\nChannel 1: Makes sense. Yep.\n\nChannel 0: Yep. Beautiful. And, obviously, as every every under review, we kind of review things for you. But time frame wise at the moment, it's still a good position with the growth one. And, obviously, the closer you get to retirement, we can then start to look at reducing\n\nChannel 1: Three\n\nChannel 0: things\n\nChannel 1: three.\n\nChannel 0: slowly for you if if you wanted to.\n\nChannel 1: Perfect. Sounds good.\n\nChannel 0: Great. Now what is the next document that you have there?\n\nChannel 1: Certificate of currency, TEL.\n\nChannel 0: Yep. Beautiful. That basically just breaks down your tile insurances in a bit more detail, but basically lets you know that's all paid and up to date for you.\n\nChannel 1: Okay.\n\nChannel 0: And then what's the next one you have?\n\nChannel 1: It's the Oakview services guide.\n\nChannel 0: Yep. Perfect. Now you would have seen this one. Every annual review is one of those compliance documents. None of the important information has changed.\n\nIt's all in there for you. But if you do have a bit of a scroll through it, you will see that we've had a bit of a bit of an update to our marketing. So a bit more updated photos of everybody, of the team, director's advices, and also a bit of an extension to the team, which is great. So after you scroll through, you will see myself again on page 10 if you do wanna put a face to the voice.\n\nChannel 1: Oh, there you are. Attractive\n\nChannel 0: Yeah.\n\nChannel 1: woman.\n\nChannel 0: Thank you. So, yep, sometimes it's nice, obviously, when we do speak over the phone for people to actually know who they're talking with as well.\n\nChannel 1: Alright. Perfect. Thank you.\n\nChannel 0: Yeah. Now the next document, there should be two more, and one is your ongoing service agreement with Netwealth. Can you see that one? It should say consent to ongoing fee arrangement.\n\nChannel 1: Where is that? At the bottom?\n\nChannel 0: As you scroll through, yeah, at the end of that document, there should be the next document.\n\nChannel 1: Okay. Next document. Oh, now it's the net wealth advice fees consent.\n\nChannel 0: Yes. That's the one. So this is the one if you're happy to do so that it will ask you to sign, and it's the\n\nChannel 1: Yep.\n\nChannel 0: same as last year. It's just an ongoing service agreement. The fee stays exactly the same, so there is no changes to the fee structure. It stays exactly the same at 1.65 from super. And after last time, it is not a lock in contract.\n\nSo about any time you are not happy, it is not a lock in contract. But this lets us service your account and manage your investments and everything for you in the meantime.\n\nChannel 1: Okay. Perfect. Yeah. I'll sign it and send it.\n\nChannel 0: Yep. Beautiful. And is there one more document they ask you to sign after that?\n\nChannel 1: I just signed it. It says it's loading, so I probably have to wait for it to save.\n\nChannel 0: Yep. Okay. Perfect. That was probably everything. Sometimes they will ask you to sign, like, a tax file number form, but you would have saved signed that last year.\n\nSo that's good. So that was all the documents that we needed to sign. So if it's just validating oh, yep. Beautiful. I can see that's already come through on my end, so thank you so much for that.\n\nI will let the team know. We'll get that all authorized. Let us know as well if you do make that contribution. Just respond to the email, and Whitlam will let me know, and then we'll process that notice of intent for you as\n\nChannel 1: Yeah. I'll\n\nChannel 0: well\n\nChannel 1: probably do it today if I've got\n\nChannel 0: with\n\nChannel 1: time, but I'll definitely do\n\nChannel 0: those contributions.\n\nChannel 1: it ASAP. And then\n\nChannel 0: Yeah.\n\nChannel 1: I'll send you the form off, and then\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: whatever\n\nChannel 0: We'll\n\nChannel 1: else\n\nChannel 0: we'll\n\nChannel 1: it is,\n\nChannel 0: do it.\n\nChannel 1: you'll\n\nChannel 0: Yeah.\n\nChannel 1: you'll do\n\nChannel 0: And\n\nChannel 1: everything.\n\nChannel 0: then we'll we'll do everything, and then we'll just literally send you a document at the end. And you just take that with you to your account when you do your tax return.\n\nChannel 1: Perfect. No problem.\n\nChannel 0: Yep. No worries. No. I know that was a little bit longer than the twenty minutes there,\n\nChannel 1: No.\n\nChannel 0: so\n\nChannel 1: That's\n\nChannel 0: thank you\n\nChannel 1: fine.\n\nChannel 0: so much\n\nChannel 1: It's\n\nChannel 0: for\n\nChannel 1: it's\n\nChannel 0: your time.\n\nChannel 1: look. It's it's once a year, but thanks very much.\n\nChannel 0: Yeah.\n\nChannel 1: It's\n\nChannel 0: No. No problem.\n\nChannel 1: no. I think compared to before previously before it was you, I think it was Alan.\n\nChannel 0: Yes.\n\nChannel 1: So you got a lot more depth of the documents, and you\n\nChannel 0: I\n\nChannel 1: explain\n\nChannel 0: like\n\nChannel 1: things\n\nChannel 0: to.\n\nChannel 1: a lot a lot a lot better.\n\nChannel 0: Oh, that's\n\nChannel 1: Whereas\n\nChannel 0: good. I'm glad.\n\nChannel 1: I felt, unfortunately, with him sometimes, it was just a matter of sign it. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: And then I'll say, oh, no. But I don't think I wanna pay that much in\n\nChannel 0: Yeah.\n\nChannel 1: my total\n\nChannel 0: Yeah.\n\nChannel 1: debt. And he's like, oh, yeah. You you know, he's\n\nChannel 0: Yeah.\n\nChannel 1: a bit I found him a bit a bit pushy.\n\nChannel 0: Okay. Well, he's not with us at the moment. He he left, so he's no longer here. And yeah. Obviously, every every adviser works slightly different, but I'm very much well, it's like, I don't wanna push anyone.\n\nThat's not what I'm here to do, and I wanna make sure that you are fully informed at the end of the day. And sometimes there's people that want everything in detail and sometimes people don't.\n\nChannel 1: Yeah.\n\nChannel 0: But, you know, I would rather explain everything as much as I can and go through things because, like you said, it is once a year. Obviously, if you do ever want more catch up, just let us know. If there's ever any questions or anything else that you need, just let us\n\nChannel 1: Yeah.\n\nChannel 0: know. It's all part of the service. If you do want a bit more frequent catch up, but otherwise, it is that yearly review where we go kind of through things in a little bit more in-depth as well.\n\nChannel 1: Yep. No. It's good that\n\nChannel 0: Yep.\n\nChannel 1: you explain things and go through the graph and rather than just\n\nChannel 0: Yeah.\n\nChannel 1: sign here, sign here. Okay. Thanks very much. See you in a year. It's\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: at least then I've\n\nChannel 0: Oh, I'm\n\nChannel 1: I've\n\nChannel 0: glad.\n\nChannel 1: got more sort of\n\nChannel 0: More\n\nChannel 1: knowledge\n\nChannel 0: information.\n\nChannel 1: of of what's actually\n\nChannel 0: Yeah.\n\nChannel 1: happening in, you know, the different\n\nChannel 0: Yeah.\n\nChannel 1: markets. And that's it's I think it's very useful.\n\nChannel 0: Oh, that's great. I'm glad. And that's also part of the job as well is to kind of help educate you at the end of the day and making sure, you know, everyone understands everything. So I'm I'm really glad that you find it very helpful and knowledgeable. That makes me really\n\nChannel 1: Yeah.\n\nChannel 0: happy\n\nChannel 1: No.\n\nChannel 0: as well.\n\nChannel 1: Definitely.\n\nChannel 0: So thank you\n\nChannel 1: Your\n\nChannel 0: for that.\n\nChannel 1: your knowledge is is yeah. Like, it's very impressive. You you're\n\nChannel 0: Oh, thank you.\n\nChannel 1: I I could ask you a question. I'm sure you would you know, even explaining all that notice intent to to claim or whatever of yeah. That's just I'm sort of getting the\n\nChannel 0: Yeah.\n\nChannel 1: the hang of what I have\n\nChannel 0: That's\n\nChannel 1: to do, but\n\nChannel 0: good. Yeah.\n\nChannel 1: previously,\n\nChannel 0: But\n\nChannel 1: I\n\nChannel 0: if\n\nChannel 1: wouldn't\n\nChannel 0: you\n\nChannel 1: even know.\n\nChannel 0: yeah. Perfect. Oh, I'm glad. But like I said, if there's anything you need at any point in time, you have our email address, send us an email or or give me a call. Like I said, I'll keep a lookout for that email as well, and I will let Whitlam know through I expect that email in the next couple of days, and\n\nChannel 1: Yep.\n\nChannel 0: we'll get straight on to that for you. But, otherwise,\n\nChannel 1: Perfect.\n\nChannel 0: thank you so much for your time today, Derek, and I hope you enjoy the rest of your day.\n\nChannel 1: Thanks very much, Veronica. Nice to talk to you again, and enjoy.\n\nChannel 0: Yes.\n\nChannel 1: Is it are you in Queensland, are you?\n\nChannel 0: Yeah. We're up on the Gold Coast.\n\nChannel 1: Is it warm up there or\n\nChannel 0: Oh, it's raining today, which is a bit\n\nChannel 1: oh,\n\nChannel 0: miserable.\n\nChannel 1: it's raining, is it? Okay.\n\nChannel 0: Still fairly warm, but\n\nChannel 1: Oh,\n\nChannel 0: it's a bit rainy, a bit wet.\n\nChannel 1: well, enjoy the rain.\n\nChannel 0: Oh, yeah. Thank you\n\nChannel 1: It's\n\nChannel 0: so\n\nChannel 1: raining\n\nChannel 0: much. You\n\nChannel 1: here\n\nChannel 0: enjoy\n\nChannel 1: as well\n\nChannel 0: the rest\n\nChannel 1: where\n\nChannel 0: of your day.\n\nChannel 1: yeah. We get rain here. Well, it's been a bit dry, but it's it's been rain, but raining a lot. But I'm gonna take the dog for a walk.\n\nChannel 0: Yeah. Mine hates it in the rain.\n\nChannel 1: Yeah. Mine doesn't like going for a walk in the rain, but if she doesn't get a walk, she'll probably chew your arm off because she\n\nChannel 0: Oh,\n\nChannel 1: she just she needs she\n\nChannel 0: yeah.\n\nChannel 1: needs to get that, you know, that\n\nChannel 0: You get a bit of exercise.\n\nChannel 1: oh, it's not really the exercise for her because, yeah, she's a working one, so she's just got a lot of energy, but it's more just to give her some, you know, sniffing, and then she's out there and\n\nChannel 0: Yep.\n\nChannel 1: just a bit of stimulation.\n\nChannel 0: Yeah.\n\nChannel 1: Always good.\n\nChannel 0: Yeah. Well, I will let you go and enjoy the rest of your day there, Derek. Like I said, anything you need at any point in time doesn't have to be around review time. You just let me know.\n\nChannel 1: Alright. Perfect. Thank you very much, Veronica.\n\nChannel 0: No problem. We'll speak soon.\n\nChannel 1: See you. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.5999999,"end":2.0,"sentiment":"neutral","sentiment_score":0.018720287829637527},{"text":"Derek speaking.","start":2.0,"end":2.82,"sentiment":"neutral","sentiment_score":0.027935209684073925}],"sentiment":"neutral","sentiment_score":0.02486356906592846,"channel":1,"num_words":3,"start":1.5999999,"end":2.82},{"sentences":[{"text":"Good afternoon, Derek.","start":3.6,"end":4.64,"sentiment":"neutral","sentiment_score":0.29171977440516156},{"text":"This is Veronica from Mercy Financial.","start":4.64,"end":6.5,"sentiment":"neutral","sentiment_score":0.23556056370337805},{"text":"How are you?","start":6.64,"end":7.46,"sentiment":"neutral","sentiment_score":0.16960686445236206},{"text":"Can you hear me 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markets.","start":2098.7751,"end":2103.0151,"sentiment":"neutral","sentiment_score":-0.0693166712919871}],"sentiment":"neutral","sentiment_score":-0.04558217277769575,"channel":0,"num_words":97,"start":2066.03,"end":2103.0151},{"sentences":[{"text":"We wanna make sure we keep things diversified.","start":2103.0151,"end":2105.0352,"sentiment":"neutral","sentiment_score":0.06847767159342766},{"text":"But the BetaShares Australia 200, it is a little bit more simplified because it invests in the 200 largest companies listed in Australia on the ASX.","start":2106.135,"end":2117.22,"sentiment":"neutral","sentiment_score":0.06499965847111665},{"text":"As the company grows, gets bigger, it gets added to it.","start":2117.22,"end":2120.2,"sentiment":"neutral","sentiment_score":-0.07301529666239565},{"text":"And as the company gets smaller, it kind of comes off.","start":2120.3398,"end":2122.9,"sentiment":"neutral","sentiment_score":-0.18719512766057794},{"text":"So it's a little bit more stable than the Bennelong investment because that is a managed fund.","start":2122.9,"end":2128.915,"sentiment":"neutral","sentiment_score":0.2315807342529297}],"sentiment":"neutral","sentiment_score":0.04537493572251437,"channel":0,"num_words":73,"start":2103.0151,"end":2128.915},{"sentences":[{"text":"So that one, we're actively buying and selling different investments in order to try to outperform the market.","start":2129.375,"end":2135.7952,"sentiment":"neutral","sentiment_score":0.3319333584772216},{"text":"They had done really well, which is why it was added to your portfolio in the first place, and it was a very strong investment.","start":2136.2551,"end":2143.06,"sentiment":"positive","sentiment_score":0.5570758509635926},{"text":"But a little bit more recently, it's been a little bit slower with making the investment decisions.","start":2143.6802,"end":2148.9802,"sentiment":"neutral","sentiment_score":-0.2888498722630389},{"text":"And another reason to why things were down a little bit for them was that one of the investments that they had in their portfolio was the corporate travel group.","start":2149.36,"end":2158.065,"sentiment":"neutral","sentiment_score":-0.2111002693573634},{"text":"I'm not sure if you heard anything on the news or anything with that, but they had","start":2158.065,"end":2162.025,"sentiment":"neutral","sentiment_score":-0.10762064115089529}],"sentiment":"neutral","sentiment_score":0.06381953194319645,"channel":0,"num_words":107,"start":2129.375,"end":2162.025},{"sentences":[{"text":"No.","start":2161.94,"end":2162.44,"sentiment":"neutral","sentiment_score":-0.093714639544487}],"sentiment":"neutral","sentiment_score":-0.093714639544487,"channel":1,"num_words":1,"start":2161.94,"end":2162.44},{"sentences":[{"text":"a bit of issues with their reporting and that company.","start":2162.025,"end":2165.6848,"sentiment":"neutral","sentiment_score":-0.2104277491569519},{"text":"So it was actually suspended from trading for a 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only one that was underperforming for you as well.","start":2192.785,"end":2198.25,"sentiment":"neutral","sentiment_score":-0.15761624028285345}],"sentiment":"neutral","sentiment_score":-0.15761624028285345,"channel":0,"num_words":21,"start":2192.785,"end":2198.25},{"sentences":[{"text":"Okay.","start":2199.075,"end":2199.575,"sentiment":"neutral","sentiment_score":-0.01525786891579628},{"text":"As long 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portfolio.","start":2208.49,"end":2211.31,"sentiment":"neutral","sentiment_score":0.18868087083101273}],"sentiment":"neutral","sentiment_score":0.2083175934173844,"channel":0,"num_words":22,"start":2203.85,"end":2211.31},{"sentences":[{"text":"So are you still happy with the level of risk and everything like that for a growth investor, or has anything changed for you?","start":2212.035,"end":2220.6948,"sentiment":"neutral","sentiment_score":0.0698604688514024}],"sentiment":"neutral","sentiment_score":0.0698604688514024,"channel":0,"num_words":24,"start":2212.035,"end":2220.6948},{"sentences":[{"text":"I don't know.","start":2221.68,"end":2222.24,"sentiment":"neutral","sentiment_score":-0.07239388922850291},{"text":"Is it still I mean, you tell me.","start":2222.24,"end":2224.815,"sentiment":"neutral","sentiment_score":-0.06043926766142249},{"text":"Is it is it still good to be what I in that growth sector?","start":2224.815,"end":2229.055,"sentiment":"neutral","sentiment_score":-0.021165246543075358},{"text":"Or","start":2229.055,"end":2229.555,"sentiment":"neutral","sentiment_score":-0.03123660199344158}],"sentiment":"neutral","sentiment_score":-0.03954791779128405,"channel":1,"num_words":26,"start":2221.68,"end":2229.555},{"sentences":[{"text":"There there are a couple of different factors.","start":2229.81,"end":2231.9102,"sentiment":"neutral","sentiment_score":-0.043918970040977},{"text":"So one of the thing is time frames to retirement.","start":2232.05,"end":2235.51,"sentiment":"neutral","sentiment_score":-0.01782511528581381},{"text":"Obviously, the more actually, the next document is that a Vanguard index chart that you can see in front of you?","start":2236.145,"end":2242.085,"sentiment":"neutral","sentiment_score":0.013921625845666443},{"text":"Like a red graph?","start":2245.025,"end":2246.165,"sentiment":"neutral","sentiment_score":0.011182883521541953}],"sentiment":"neutral","sentiment_score":-0.004477145031181185,"channel":0,"num_words":43,"start":2229.81,"end":2246.165},{"sentences":[{"text":"On the next document?","start":2247.3699,"end":2248.3499,"sentiment":"neutral","sentiment_score":0.0017788481200113893}],"sentiment":"neutral","sentiment_score":0.0017788481200113893,"channel":1,"num_words":4,"start":2247.3699,"end":2248.3499},{"sentences":[{"text":"Yes.","start":2248.8,"end":2249.3,"sentiment":"neutral","sentiment_score":0.02307886444032192}],"sentiment":"neutral","sentiment_score":0.02307886444032192,"channel":0,"num_words":1,"start":2248.8,"end":2249.3},{"sentences":[{"text":"Yeah.","start":2249.0498,"end":2249.2898,"sentiment":"neutral","sentiment_score":0.0291559100151062},{"text":"Yeah.","start":2249.2898,"end":2249.6099,"sentiment":"neutral","sentiment_score":0.03359553962945938},{"text":"Vanguard","start":2249.6099,"end":2250.0898,"sentiment":"neutral","sentiment_score":0.023285355418920517}],"sentiment":"neutral","sentiment_score":0.028678935021162033,"channel":1,"num_words":3,"start":2249.0498,"end":2250.0898},{"sentences":[{"text":"Yeah.","start":2250.0,"end":2250.5,"sentiment":"neutral","sentiment_score":0.022938931360840797}],"sentiment":"neutral","sentiment_score":0.022938931360840797,"channel":0,"num_words":1,"start":2250.0,"end":2250.5},{"sentences":[{"text":"index.","start":2250.0898,"end":2250.5698,"sentiment":"neutral","sentiment_score":0.02957962639629841},{"text":"Yep.","start":2250.5698,"end":2251.0698,"sentiment":"neutral","sentiment_score":0.1124684438109398}],"sentiment":"neutral","sentiment_score":0.0710240351036191,"channel":1,"num_words":2,"start":2250.0898,"end":2251.0698},{"sentences":[{"text":"Beautiful.","start":2250.72,"end":2251.22,"sentiment":"positive","sentiment_score":0.5488129258155823},{"text":"Perfect.","start":2251.36,"end":2251.86,"sentiment":"neutral","sentiment_score":0.056759197264909744},{"text":"So we've one of the things we do factor in of making sure is that time frame.","start":2252.32,"end":2259.22,"sentiment":"neutral","sentiment_score":0.17441553666311152},{"text":"Now the the higher growth components you have to your portfolio, over the long term, you're gonna get the most amount of growth.","start":2259.4402,"end":2266.105,"sentiment":"positive","sentiment_score":0.40915959296019183},{"text":"So that's ultimately what we want.","start":2266.105,"end":2267.885,"sentiment":"positive","sentiment_score":0.4468822081883748}],"sentiment":"neutral","sentiment_score":0.3263041694493343,"channel":0,"num_words":48,"start":2250.72,"end":2267.885},{"sentences":[{"text":"But we also wanna make sure that you have enough time in the market for those fluctuations.","start":2268.4248,"end":2273.2449,"sentiment":"neutral","sentiment_score":0.16341757204602747},{"text":"So that is the first thing we look at.","start":2273.385,"end":2275.325,"sentiment":"neutral","sentiment_score":0.1908210731214947},{"text":"Now in a growth portfolio, we typically want to allow six years until retirement.","start":2275.785,"end":2282.1099,"sentiment":"neutral","sentiment_score":0.1590971632727555},{"text":"So at the moment for you, obviously, you can't access super until 60.","start":2283.0498,"end":2287.95,"sentiment":"neutral","sentiment_score":0.18082775863317344},{"text":"So it is a good position to be in when we are looking at a time frame.","start":2288.97,"end":2294.125,"sentiment":"positive","sentiment_score":0.3976316995480481}],"sentiment":"neutral","sentiment_score":0.22619069176060813,"channel":0,"num_words":70,"start":2268.4248,"end":2294.125},{"sentences":[{"text":"So, basically, what you can see on the chart in front of you is those ups and downs of the market.","start":2295.225,"end":2301.705,"sentiment":"neutral","sentiment_score":0.18932181880587623},{"text":"So you can basically see here it is a good visual representation.","start":2301.705,"end":2304.845,"sentiment":"positive","sentiment_score":0.3664447292685509},{"text":"So you can see from 1995 through to 2025, and Vanguard updates this yearly as well, which is good every financial year, so the new one should come out soon.","start":2305.065,"end":2315.6,"sentiment":"positive","sentiment_score":0.45689179599285124},{"text":"And you can see that long term market always goes up.","start":2316.06,"end":2320.08,"sentiment":"neutral","sentiment_score":0.3102538233453577},{"text":"So, typically, the younger, obviously, we are, the more likely you see people in your your higher growth options or aggressive options because you have all the time in the market for that to come back 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gradually","start":2334.43,"end":2335.41,"sentiment":"neutral","sentiment_score":-0.11911651492118835}],"sentiment":"neutral","sentiment_score":-0.11911651492118835,"channel":0,"num_words":2,"start":2334.43,"end":2335.41},{"sentences":[{"text":"stop.","start":2334.965,"end":2335.465,"sentiment":"neutral","sentiment_score":-0.12234678864479064}],"sentiment":"neutral","sentiment_score":-0.12234678864479064,"channel":1,"num_words":1,"start":2334.965,"end":2335.465},{"sentences":[{"text":"reducing that risk, because if you wanna access your money tomorrow, you don't want that to be a massive dip at the same time.","start":2335.71,"end":2343.09,"sentiment":"neutral","sentiment_score":-0.09702078423773249},{"text":"So the first thing is time frame.","start":2343.71,"end":2345.97,"sentiment":"neutral","sentiment_score":0.21535326540470123},{"text":"The time frame in a growth portfolio is suitable for you, so that gives you about six 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like, an access message that I do not feel comfortable with it.","start":2393.635,"end":2401.38,"sentiment":"negative","sentiment_score":-0.33937583691798723},{"text":"So it's kind","start":2401.5999,"end":2402.32,"sentiment":"neutral","sentiment_score":-0.010977993408838907}],"sentiment":"neutral","sentiment_score":-0.3054036462101443,"channel":0,"num_words":29,"start":2393.635,"end":2402.32},{"sentences":[{"text":"Okay.","start":2402.19,"end":2402.69,"sentiment":"neutral","sentiment_score":0.06705477833747864}],"sentiment":"neutral","sentiment_score":0.06705477833747864,"channel":1,"num_words":1,"start":2402.19,"end":2402.69},{"sentences":[{"text":"of, like, multiple things.","start":2402.32,"end":2403.8398,"sentiment":"neutral","sentiment_score":0.06788373738527298},{"text":"So time frame wise, growth is great for you, but it's also where you are comfortable with.","start":2403.8398,"end":2408.9849,"sentiment":"positive","sentiment_score":0.3803546603988199},{"text":"Are you still comfortable seeing a bit of short term fluctuation in order to grow it?","start":2408.9849,"end":2415.005,"sentiment":"neutral","sentiment_score":0.0746427271515131}],"sentiment":"neutral","sentiment_score":0.21437426515527674,"channel":0,"num_words":37,"start":2402.32,"end":2415.005},{"sentences":[{"text":"Yeah.","start":2415.645,"end":2415.805,"sentiment":"neutral","sentiment_score":0.1508258581161499},{"text":"I think I'm still","start":2415.805,"end":2416.685,"sentiment":"neutral","sentiment_score":0.19006721675395966}],"sentiment":"neutral","sentiment_score":0.1822189450263977,"channel":1,"num_words":5,"start":2415.645,"end":2416.685},{"sentences":[{"text":"Yep.","start":2416.7449,"end":2417.2449,"sentiment":"neutral","sentiment_score":0.208430677652359},{"text":"And just 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she","start":2945.71,"end":2951.71,"sentiment":"neutral","sentiment_score":-0.1128307807445526}],"sentiment":"neutral","sentiment_score":-0.1104855600457925,"channel":1,"num_words":26,"start":2945.39,"end":2951.71},{"sentences":[{"text":"Oh,","start":2951.4001,"end":2951.9001,"sentiment":"neutral","sentiment_score":-0.03864508122205734}],"sentiment":"neutral","sentiment_score":-0.03864508122205734,"channel":0,"num_words":1,"start":2951.4001,"end":2951.9001},{"sentences":[{"text":"she just she needs she","start":2951.71,"end":2953.3098,"sentiment":"neutral","sentiment_score":-0.034279418736696245}],"sentiment":"neutral","sentiment_score":-0.034279418736696245,"channel":1,"num_words":5,"start":2951.71,"end":2953.3098},{"sentences":[{"text":"yeah.","start":2953.2402,"end":2953.7402,"sentiment":"neutral","sentiment_score":-0.026837125420570377}],"sentiment":"neutral","sentiment_score":-0.026837125420570377,"channel":0,"num_words":1,"start":2953.2402,"end":2953.7402},{"sentences":[{"text":"needs to get that, you know, that","start":2953.3098,"end":2955.3298,"sentiment":"neutral","sentiment_score":0.05555718285696847}],"sentiment":"neutral","sentiment_score":0.05555718285696847,"channel":1,"num_words":7,"start":2953.3098,"end":2955.3298},{"sentences":[{"text":"You get a bit of exercise.","start":2955.08,"end":2956.3,"sentiment":"neutral","sentiment_score":0.19553845934569836}],"sentiment":"neutral","sentiment_score":0.19553845934569836,"channel":0,"num_words":6,"start":2955.08,"end":2956.3},{"sentences":[{"text":"oh, it's not really the exercise for her because, yeah, she's a working one, so she's just got a lot of energy, but it's more just to give her some, you know, sniffing, and then she's out there and","start":2957.135,"end":2966.515,"sentiment":"neutral","sentiment_score":0.09536736105114986}],"sentiment":"neutral","sentiment_score":0.09536736105114986,"channel":1,"num_words":39,"start":2957.135,"end":2966.515},{"sentences":[{"text":"Yep.","start":2966.835,"end":2967.335,"sentiment":"neutral","sentiment_score":0.08992767333984375}],"sentiment":"neutral","sentiment_score":0.08992767333984375,"channel":0,"num_words":1,"start":2966.835,"end":2967.335},{"sentences":[{"text":"just a bit of stimulation.","start":2966.895,"end":2968.195,"sentiment":"neutral","sentiment_score":0.20409865379333497}],"sentiment":"neutral","sentiment_score":0.20409865379333497,"channel":1,"num_words":5,"start":2966.895,"end":2968.195},{"sentences":[{"text":"Yeah.","start":2969.235,"end":2969.735,"sentiment":"positive","sentiment_score":0.42621010541915894}],"sentiment":"positive","sentiment_score":0.42621010541915894,"channel":0,"num_words":1,"start":2969.235,"end":2969.735},{"sentences":[{"text":"Always good.","start":2969.295,"end":2970.115,"sentiment":"positive","sentiment_score":0.7340779006481171}],"sentiment":"positive","sentiment_score":0.7340779006481171,"channel":1,"num_words":2,"start":2969.295,"end":2970.115},{"sentences":[{"text":"Yeah.","start":2970.835,"end":2971.335,"sentiment":"positive","sentiment_score":0.4861711263656616},{"text":"Well, I will let you go and enjoy the rest of your day there, Derek.","start":2971.75,"end":2974.79,"sentiment":"positive","sentiment_score":0.6940072377522787},{"text":"Like I said, anything you need at any point in time doesn't have to be around review time.","start":2974.79,"end":2978.6501,"sentiment":"neutral","sentiment_score":0.25173010552922886},{"text":"You just let me know.","start":2978.9502,"end":2980.077,"sentiment":"neutral","sentiment_score":0.2487479567527771}],"sentiment":"positive","sentiment_score":0.4274656763061499,"channel":0,"num_words":39,"start":2970.835,"end":2980.077},{"sentences":[{"text":"Alright.","start":2980.6099,"end":2980.93,"sentiment":"positive","sentiment_score":0.38829633593559265},{"text":"Perfect.","start":2980.93,"end":2981.25,"sentiment":"positive","sentiment_score":0.7998731732368469},{"text":"Thank you very much, Veronica.","start":2981.25,"end":2982.47,"sentiment":"positive","sentiment_score":0.8405710577964782}],"sentiment":"positive","sentiment_score":0.7701463997364044,"channel":1,"num_words":7,"start":2980.6099,"end":2982.47},{"sentences":[{"text":"No problem.","start":2982.9568,"end":2983.5168,"sentiment":"positive","sentiment_score":0.520183190703392},{"text":"We'll speak soon.","start":2983.5168,"end":2984.4968,"sentiment":"positive","sentiment_score":0.41297149658203125}],"sentiment":"positive","sentiment_score":0.45585617423057556,"channel":0,"num_words":5,"start":2982.9568,"end":2984.4968},{"sentences":[{"text":"See you.","start":2984.77,"end":2985.3298,"sentiment":"positive","sentiment_score":0.45770855247974396},{"text":"Bye.","start":2985.3298,"end":2985.8298,"sentiment":"neutral","sentiment_score":0.24309894442558289}],"sentiment":"positive","sentiment_score":0.38617201646169025,"channel":1,"num_words":3,"start":2984.77,"end":2985.8298},{"sentences":[{"text":"Bye.","start":2985.9968,"end":2986.4968,"sentiment":"neutral","sentiment_score":-0.1127667874097824}],"sentiment":"neutral","sentiment_score":-0.1127667874097824,"channel":0,"num_words":1,"start":2985.9968,"end":2986.4968}]},"summary":{"result":"success","short":"During a call with a representative from Mercy Financial, the representative discusses the customer's financial situation and explains the process for putting money into their super account. They also discuss retirement plans and personal backgrounds, including their investment portfolio, retirement, and health and lifestyle. The speaker emphasizes the importance of risk management and growth investments, as well as the need for proper information and communication for clients and advisors. They also mention ongoing service agreements and offer assistance with any questions or concerns."},"intents":{"segments":[{"text":"We can always reschedule for a more suitable time if you're a bit busy right now.","start_word":69,"end_word":84,"intents":[{"intent":"Reschedule appointment","confidence_score":0.19917421}]},{"text":"So do you remember how much you wanna put in?","start_word":410,"end_word":419,"intents":[{"intent":"Discuss payment details","confidence_score":0.00007026594}]},{"text":"I know, obviously, you've spoken to your accountant and stuff before and had last time a bit of a figure in mind. Yeah.","start_word":420,"end_word":442,"intents":[{"intent":"Communicate with accountant","confidence_score":0.0008341596}]},{"text":"But I'll probably Alright. only put two because we're gonna do some renovations. Yeah. Yeah.","start_word":477,"end_word":491,"intents":[{"intent":"Arrange renovations","confidence_score":0.0029400827}]},{"text":"The downside is it is locked in through your immediate condition of the lease.","start_word":523,"end_word":536,"intents":[{"intent":"Discuss lease terms","confidence_score":0.00002129281}]},{"text":"Because how you do put it into into superannuation because it's from your bank account, it's after tax contribution. But with that NOI is how we can then change it through a pretax contribution, which is where you do get a little bit of that tax saving, which I think is what your accountant kind of went through with you as well briefly. Yeah.","start_word":602,"end_word":665,"intents":[{"intent":"Share savings and benefits","confidence_score":0.00008560509}]},{"text":"don't know So, what the current what it's called. yes, called notice of intent.","start_word":702,"end_word":715,"intents":[{"intent":"Confirm understanding","confidence_score":0.0024427904}]},{"text":"So, basically, from your point of view, you would just put it in from your bank account into your super. You would let us know when you've done it, And then I will get with Lamb to send you the form through process and change it. And then, basically, you will get a certificate of currency afterwards, and you will just provide that to your accountant when you do your tax return. And then they will do all their stuff in the back end for you.","start_word":717,"end_word":802,"intents":[{"intent":"Resolve payment issue","confidence_score":0.00015022967},{"intent":"Send form to accountant","confidence_score":0.013045029}]},{"text":"Did is there a form?","start_word":810,"end_word":814,"intents":[{"intent":"Update form","confidence_score":0.0041877576}]},{"text":"I think you send me the form to put the money in that goes that way into Netwealth, Yes. or do I just go on to my account and then So just add money you in would our account? yeah.","start_word":815,"end_word":854,"intents":[{"intent":"Add money","confidence_score":0.30778512}]},{"text":"Can I please make a a notice of intent to claim, or could you please help me just you can just put NOI?","start_word":1021,"end_word":1043,"intents":[{"intent":"Make a notice of claim","confidence_score":0.008229644}]},{"text":"So that's how it saves a bit of tax. So, obviously, on the 105, you would pay a lot higher tax rate on it than through super. So through superannuation, you only get taxed at 15% versus if your income is a a 105, then you get taxed at 30%. So, basically, that 15% difference is what then makes that difference on the the 2,000. Does that make sense?","start_word":1124,"end_word":1192,"intents":[{"intent":"Verify tax rates and contributions","confidence_score":0.00037328713}]},{"text":"So, yeah, EBA, no changes anyway, though, just financial year or No.","start_word":1512,"end_word":1523,"intents":[{"intent":"Share eba details","confidence_score":0.000003636039}]},{"text":"always get him to resend it to you today it's at the top of Oh, your no.","start_word":1988,"end_word":2004,"intents":[{"intent":"Resend and edit information","confidence_score":0.000016515549}]},{"text":"two pages, and it's already prefilled with my details.","start_word":2018,"end_word":2026,"intents":[{"intent":"Create a template","confidence_score":0.000023154316}]},{"text":"you have all the Yeah. information there that you can put in how much or little you would like. So it's already been prefilled. All I have to do is put the money Literally.","start_word":2068,"end_word":2101,"intents":[{"intent":"Confirm prefilling information","confidence_score":0.0060650595}]},{"text":"So if you do decide you turn 60 and you go, woo hoo. I wanna take everything. That's fine. Just be mindful then that age pension doesn't kick in until 67 that it needs Also, it's to gonna last me seven years. last until age pension.","start_word":2454,"end_word":2499,"intents":[{"intent":"Prevent retirement age and retirement plan","confidence_score":0.0000012501869}]},{"text":"I I need a change.","start_word":2830,"end_word":2834,"intents":[{"intent":"Change ownership","confidence_score":0.0022709426}]},{"text":"Just let us know if you need any information or if we need to reassess anything there for you.","start_word":2917,"end_word":2935,"intents":[{"intent":"Obtain information","confidence_score":0.013655181}]},{"text":"Asset wise, your property I have here was last died at about 07:50. Is that still kind of the case? Would you know if that went up a little bit? I don't know.","start_word":2936,"end_word":2968,"intents":[{"intent":"Assess asset value","confidence_score":0.0039397534},{"intent":"Assess property ownership","confidence_score":0.0011454591}]},{"text":"Is that fairly similar to yours? Do you know? No. There's this. They fully renovated it. The guy was a builder, Mhmm. and the land Mhmm. is a bit bigger. So, no, we wouldn't get 1.3. We'd probably I'll just keep it around the same, I think. The same?","start_word":2984,"end_word":3032,"intents":[{"intent":"Maintain a similar property","confidence_score":0.00060123403}]},{"text":"And do you own a motor vehicle or a boat or motorbike or anything? Nope.","start_word":3074,"end_word":3088,"intents":[{"intent":"Confirm ownership","confidence_score":0.015858034}]},{"text":"Any other changes to your assets in the last twelve months? Any other new assets or liabilities or anything we haven't gone over? No.","start_word":3156,"end_word":3179,"intents":[{"intent":"Review financial plans","confidence_score":0.0014796891}]},{"text":"it is nice to do the scans every now and then to see, like, actual other changes because sometimes on a daily, you you you see yourself all the time. So it's sometimes harder to notice the Yeah.","start_word":3606,"end_word":3643,"intents":[{"intent":"Observe changes in weight","confidence_score":0.00038018162},{"intent":"View changes in muscle","confidence_score":0.0002814105}]},{"text":"was taking And estate planning wise, do you have a will or anything like that in place? No.","start_word":3784,"end_word":3801,"intents":[{"intent":"Discuss estate planning","confidence_score":0.20804437}]},{"text":"But in the will, it said, I leave my entire estate to her. I don't mean to do that So to then your it's kids hard. is pretty harsh. You Yeah.","start_word":4334,"end_word":4364,"intents":[{"intent":"Clarify will and documents","confidence_score":0.000056548102}]},{"text":"even with our house, the property is in joint names. It automatically goes to her anyway, doesn't it? Is that true?","start_word":4781,"end_word":4801,"intents":[{"intent":"Evaluate property structure","confidence_score":0.010158693}]},{"text":"It's but, yeah, your if you do speak to a lawyer as well, they would be obviously the best pass Yeah.","start_word":4986,"end_word":5006,"intents":[{"intent":"Speak to a lawyer","confidence_score":0.0061387387}]},{"text":"Now, otherwise, obviously, aside from the world, doing some renovations, doing a bit of extra contributions to Sousa, is there anything else that you guys are working towards, or that's kind of your main point at the moment?","start_word":5054,"end_word":5091,"intents":[{"intent":"Work towards a lottery","confidence_score":0.008300168}]},{"text":"Now do you have access to your emails at the moment or not really right now? Yeah. Got access. Yes? Okay. Perfect. So I have sent you an email with some documents. Just same as last time, just a bit of an update on everything for you. If you can access that for me. Okay.","start_word":5117,"end_word":5171,"intents":[{"intent":"Access documents","confidence_score":0.11495334},{"intent":"Access documents","confidence_score":0.05259601}]},{"text":"And it will ask you to click on the link where it's assigned documents, but it will allow you to open up everything and look at it first. Oh, yep.","start_word":5290,"end_word":5319,"intents":[{"intent":"Access documents","confidence_score":0.059721436}]},{"text":"I'm Super summary of superannuation and insurances.","start_word":5441,"end_word":5447,"intents":[{"intent":"Provide super summary","confidence_score":0.019564424}]},{"text":"still have to do with that level of cover for life and TPD? Yeah.","start_word":5538,"end_word":5551,"intents":[{"intent":"Check insurance levels","confidence_score":0.000042132284},{"intent":"Obtain coverage for life and tpd","confidence_score":0.0077620246}]},{"text":"Now the next document, is that your asset performance detail with Netwealth? Yeah.","start_word":5592,"end_word":5604,"intents":[{"intent":"Provide asset performance information","confidence_score":0.0017257064}]},{"text":"Obviously, you had everything going on in The US with, obviously, Trump and and everything, and more recently, everything with the war. So we've quite seen a bit of a mixed result of your investment.","start_word":5646,"end_word":5680,"intents":[{"intent":"Analyze investment results","confidence_score":0.20580082}]},{"text":"But a little bit more recently, it's been a little bit slower with making the investment decisions.","start_word":6098,"end_word":6114,"intents":[{"intent":"Analyze investment decisions","confidence_score":0.19631468}]},{"text":"So from that point of view, it is a good portfolio for you.","start_word":6784,"end_word":6796,"intents":[{"intent":"Advise portfolio size","confidence_score":0.0012325002}]},{"text":"And, obviously, the closer you get to retirement, we can then start to look at reducing Three things three. slowly for you if if you wanted to.","start_word":7207,"end_word":7233,"intents":[{"intent":"Reducing retirement","confidence_score":0.025268726}]},{"text":"Now what is the next document that you have there? Certificate of currency, TEL. Yep. Beautiful. That basically just breaks down your tile insurances in a bit more detail, but basically lets you know that's all paid and up to date for you. Okay.","start_word":7237,"end_word":7280,"intents":[{"intent":"Offering assistance with documents","confidence_score":0.0009230463}]},{"text":"So a bit more updated photos of everybody, of the team, director's advices, and also a bit of an extension to the team, which is great.","start_word":7354,"end_word":7379,"intents":[{"intent":"Providing updated photos and updates for marketing","confidence_score":0.000007975191}]},{"text":"It should say consent to ongoing fee arrangement. Where is that? At the bottom? As you scroll through, yeah, at the end of that document, there should be the next document. Okay. Next document. Oh, now it's the net wealth advice fees consent. Yes.","start_word":7464,"end_word":7507,"intents":[{"intent":"Asking for confirmation of consent for fee arrangement","confidence_score":0.000010468765}]},{"text":"So about any time you are not happy, it is not a lock in contract. But this lets us service your account and manage your investments and everything for you in the meantime.","start_word":7579,"end_word":7611,"intents":[{"intent":"Delegate tasks","confidence_score":0.0019950296}]},{"text":"Obviously, every every adviser works slightly different, but I'm very much well, it's like, I don't wanna push anyone. That's not what I'm here to do, and I wanna make sure that you are fully informed at the end of the day.","start_word":8016,"end_word":8057,"intents":[{"intent":"Evaluate adviser's decision","confidence_score":0.0023000184}]},{"text":"I I could ask you a question. I'm sure you would you know, even explaining all that notice intent to to claim or whatever of yeah.","start_word":8314,"end_word":8339,"intents":[{"intent":"Ask question","confidence_score":0.09017505}]},{"text":"But like I said, if there's anything you need at any point in time, you have our email address, send us an email or or give me a call. Like I said, I'll keep a lookout for that email as well, and I will let Whitlam know through I expect that email in the next couple of days, and Yep. we'll get straight on to that for you. But, otherwise, Perfect.","start_word":8373,"end_word":8443,"intents":[{"intent":"Keep track","confidence_score":0.0032776147}]},{"text":"Well, it's been a bit dry, but it's it's been rain, but raining a lot. But I'm gonna take the dog for a walk. Yeah.","start_word":8552,"end_word":8576,"intents":[{"intent":"Have dog for a walk","confidence_score":0.0008524393}]}]},"sentiments":{"segments":[{"text":"Hello? Derek speaking. Good afternoon, Derek. This is Veronica from Mercy Financial. How are you? Can you hear me okay? Yep.","start_word":0,"end_word":20,"sentiment":"neutral","sentiment_score":0.1574600785970688},{"text":"I'm just good.","start_word":21,"end_word":23,"sentiment":"positive","sentiment_score":0.395147442817688},{"text":"My dog's just getting a bit crazy. Hey. That's okay. Enough. Gotcha. Enough. Enough. Alright. How are you going? Good? Yeah. Good. How are you? Yeah. Nothing bad. I forgot That's about good. the appointment. I just got back, but That's that's okay.","start_word":24,"end_word":66,"sentiment":"neutral","sentiment_score":0.12689949572086334},{"text":"all good.","start_word":67,"end_word":68,"sentiment":"positive","sentiment_score":0.40361088514328},{"text":"We can always reschedule for a more suitable time if you're a bit busy right now. That's no problem. No. It should it doesn't go on for too long, does it? Or No. Probably a twenty minutes or so. okay. Cool. No. That's alright. I can do it now. Yeah? Okay. Well, I'll try to make it quick for you. That's alright. But before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. That's fine.","start_word":69,"end_word":161,"sentiment":"neutral","sentiment_score":0.0737510398030281},{"text":"Perfect.","start_word":162,"end_word":162,"sentiment":"positive","sentiment_score":0.4163653254508972},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please? Yep. Full name, Derek Andrew Saps. Date of birth, 10/06/1973. Address there in Claremont Street, Albion, Victoria 3020. Yep.","start_word":163,"end_word":212,"sentiment":"neutral","sentiment_score":0.06644151359796524},{"text":"Beautiful. That's exactly what I have here.","start_word":213,"end_word":219,"sentiment":"positive","sentiment_score":0.5158624649047852},{"text":"Now before I do kind of jump into things, I do like to start by asking if there is anything specific you would like me to address today or any particular questions or just a bit of an update and see where everything's at? Yes. I remember we've had the conversation previously about putting extra funds into my super. Yes. Yeah. And so when the guy spoke to me, I think, How to organize this appointment, I can't remember his name, He said don't mhmm. put Whitlam. it in yet until I'm I've sorry. spoken to you. So I haven't put in any money in yet. Okay. That's okay. We can have a bit of a chat to the day. And if you know how much you wanna put in, I would say absolute latest, try to have it done by Wednesday and next week the latest just Yep. so it gets into your Netwealth account early enough for them to process at this financial year because they get quite booked out or blocked out at this time of the year with kind of everyone wanting to do the same. So do you remember how much you wanna put in? I know, obviously, you've spoken to your accountant and stuff before and had last time a bit of a figure in mind. Yeah. I'll probably only put I reckon only probably two brands, I think, Two around grand? about that. I'll have to have a look at my account, see how much I've got in there. Yep. But I'll probably Alright. only put two because we're gonna do some renovations. Yeah. Yeah. I don't know. It's two it's two worth it, you think? Or I mean, it all makes a difference because at the end of the day, you put in 2,000 in.","start_word":220,"end_word":522,"sentiment":"neutral","sentiment_score":0.07724064955543174},{"text":"The downside is it is locked in through your immediate condition of the lease.","start_word":523,"end_word":536,"sentiment":"negative","sentiment_score":-0.44157060980796814},{"text":"So, obviously, be mindful of the money you put in is restricted, so you can't access it if until you turn 60 or stop working turn 60 and stop working. So just be mindful of that.","start_word":537,"end_word":572,"sentiment":"neutral","sentiment_score":-0.27645501494407654},{"text":"But if you do have the spare cash, you don't need it, then it is a great way to boost your super further in a very tax effective way.","start_word":573,"end_word":601,"sentiment":"positive","sentiment_score":0.5390011668205261},{"text":"Because how you do put it into into superannuation because it's from your bank account, it's after tax contribution.","start_word":602,"end_word":620,"sentiment":"neutral","sentiment_score":0.3199150264263153},{"text":"But with that NOI is how we can then change it through a pretax contribution, which is where you do get a little bit of that tax saving, which I think is what your accountant kind of went through with you as well briefly.","start_word":621,"end_word":664,"sentiment":"positive","sentiment_score":0.38913848996162415},{"text":"Yeah. He Does told that me, ring a look. bell? Yeah. He told me, look. Whatever you can put in, put it in, and then I think you claim it or whatever as a Correct. I Yeah. don't know So, what the current what it's called. yes, called notice of intent. So, basically, from your point of view, you would just put it in from your bank account into your super. You would let us know when you've done it, And then I will get with Lamb to send you the form through process and change it. And then, basically, you will get a certificate of currency afterwards, and you will just provide that to your accountant when you do your tax return. And then they will do all their stuff in the back end for you. Okay. So we just put that money in. Did is there a form? I think you send me the form to put the money in that goes that way into Netwealth, Yes. or do I just go on to my account and then So just add money you in would our account? yeah. You would do it straight from your account. Now you need specific information. So Whitlam sent you an email on the April 14, so let me know if you don't have access to it. And that had your account details. So you can do it via BPAY or direct transfer depending on works what works best for you. So if you just, for example, wanna do BPAY, you just go into your bank mobile and do BPAY. It has the biller code and reference number already listed there for you, Yep. and then that's basically how you pay it.","start_word":665,"end_word":953,"sentiment":"neutral","sentiment_score":0.1313585199908737},{"text":"You would just let us know that you've done it, and then Whitlam will do all the paperwork and everything needed in the back end there for you.","start_word":954,"end_word":981,"sentiment":"positive","sentiment_score":0.3803291916847229},{"text":"Okay. So I'll let you guys know. Just via Yes. an email or something.","start_word":982,"end_word":995,"sentiment":"neutral","sentiment_score":0.204339936375618},{"text":"Yep. Perfect. Just an email or quick phone call, whatever's ECS email is perfect.","start_word":996,"end_word":1009,"sentiment":"positive","sentiment_score":0.5392851233482361},{"text":"Just to say, hey. Just put a bit of contributions in. Can I please make a a notice of intent to claim, or could you please help me just you can just put NOI? I know what it is anyway, so I'll keep a lookout for that email. And then with land, we'll send you a form to sign, and then we will authorize that change for Okay. So say I know you said before. So if I put $2 in, that comes off my you. Mhmm. Taxable salary. income. Yes. So if I earn a $105,000 on I'd only get taxed on a 103,000 or something. Is that how it works? Yeah. Exactly.","start_word":1010,"end_word":1123,"sentiment":"neutral","sentiment_score":0.09384073009877876},{"text":"So that's how it saves a bit of tax.","start_word":1124,"end_word":1132,"sentiment":"positive","sentiment_score":0.4926388561725617},{"text":"So, obviously, on the 105, you would pay a lot higher tax rate on it than through super. So through superannuation, you only get taxed at 15% versus if your income is a a 105, then you get taxed at 30%. So, basically, that 15% difference is what then makes that difference on the the 2,000. Does that make sense? Okay. That makes sense. Yep. Yep.","start_word":1133,"end_word":1198,"sentiment":"neutral","sentiment_score":0.17107245326042175},{"text":"Yep. So everything that you can put in does make a difference and, obviously, contributes to your super and retirement at the end of the day. And the accountants do like it as well because you do get they can help balance that a little bit from the tax when they do the tax return. And, yeah, that's how it makes the biggest tax saving.","start_word":1199,"end_word":1263,"sentiment":"positive","sentiment_score":0.515857458114624},{"text":"And your income is still around 105. Is that right? I think so. Yeah. Sounds about Yeah. right. Is that okay.","start_word":1264,"end_word":1284,"sentiment":"neutral","sentiment_score":0.1908552348613739},{"text":"Perfect.","start_word":1285,"end_word":1285,"sentiment":"positive","sentiment_score":0.386631578207016},{"text":"Because I also wanna make sure you don't exceed any cap spaces. I don't think so with the 2,000, but I'll just wanna triple check. So a 105. Now employer still pays 12% contribution into super. There hasn't been any, EBAs or changes in regards to that. No. We're going through EVA at the moment. Okay. And do you know when that will take effect? Will that be next financial year? It's It gonna takes take away years. a lot now with the government. Because yeah. Now it's gone to eight councils have joined together to to fight at them. They're Right. they're taking industrial action. Mhmm. Sorry. I'm seeing I'm just gonna go to the front door. Sure. Is That's that alright? okay. Yeah. Of course. Take It's a your shock. time. Sasha. You know? Crazy dog. No. That's okay. I have a lab. So I know. Oh, I you got know. a Labrador? Oh, yeah. Mine's Yeah. a German Shepherd. Mhmm. No. They're they're quite vocal. So I get it.","start_word":1286,"end_word":1457,"sentiment":"neutral","sentiment_score":-0.06254954255987392},{"text":"Thanks, buddy.","start_word":1458,"end_word":1459,"sentiment":"positive","sentiment_score":0.454157829284668},{"text":"Yeah. That's me. Alright. This is.","start_word":1460,"end_word":1465,"sentiment":"neutral","sentiment_score":0.1965537667274475},{"text":"Take your toes. Awesome, man. Thank you.","start_word":1466,"end_word":1472,"sentiment":"positive","sentiment_score":0.5428093075752258},{"text":"Shut up. Sorry. She's friendly, really. No. That's okay. Mine gets mine gets protective when the mail comes as well. So Yeah. She doesn't she doesn't like delivery drivers, yep. but anyway, sorry about that. That's that's all good. So, yeah, EBA, no changes anyway, though, just financial year or No. any It immediate. we're apparently no. Mhmm. So when it goes through, which eventually it will Mhmm. because they're taking industrial action, Mhmm. we're apparently, we're gonna get back paid Okay. Contributions from or I'm just not sure. pay? Just it Okay. happened the last EBA when it all went through. Mhmm. It goes back, and then you just get this lump sum because they couldn't agree for Okay. years or whatever. I don't know. So we're still waiting, but I doubt nothing's gonna change. I'll just say nothing Okay. will change. Okay. And salary sacrificing, are you still doing about a $100 a fortnight, or have any of Yeah. that changed? The same. I haven't changed, so that's exactly the Okay. same. Alright. Perfect. Now let me just check that here for you. Oh, yeah. So you still have plenty of space, which is good. Sorry. At the moment, because how the app pretax contributions work, there is a cap space each financial year. So for this financial year, it's 30,000. It is going up next financial year. But for this financial year, it is 30,000. That includes employee contributions and salary sacrifice contribution as well as the contributions you are looking at making tax effective. Now at the moment, you have about 15,223, so you do have plenty of space for the 2,000 if you wanted to do that. So if you wanted to do a lot more, like 15 or something, I'll say, oh, just just let me run the math for you.","start_word":1473,"end_word":1779,"sentiment":"neutral","sentiment_score":0.016080026405238538},{"text":"But two is perfectly fine for you to do.","start_word":1780,"end_word":1788,"sentiment":"positive","sentiment_score":0.5675211548805237},{"text":"Okay. Yeah. I'll have a look at it. Maximum, it'll be three, but I think it'll be Okay. around two because, yeah, we wanna do some other stuff in the kitchen renovation sort of thing. So I don't wanna put Yes. No. And you can do yeah. it whenever you want to as well. The the NOI, you get back at tax return. That's what a lot of people do it kind of around now because, obviously, you get it back quicker. But even if you were to do, let's say, two, and then throughout next year, you were like, oh, I have a little bit more. Like, you can you can put in throughout the year. Yeah. The reason that most people do it closer to the financial year is that you get a back sooner, basically.","start_word":1789,"end_word":1926,"sentiment":"neutral","sentiment_score":0.15592163801193237},{"text":"Okay. Perfect.","start_word":1927,"end_word":1928,"sentiment":"positive","sentiment_score":0.4132188558578491},{"text":"I'm trying Yep. to have a look. Do you know what the email on the fourteenth? By Whitlam? Do you know what it would have been sent through so I can have a look? Yeah. Let me see here. It says '14 on the fourth, and it was from, I think, servicing@ocfinancial.com.au or from Whitlam. But I can Okay. always get him to resend it to you today it's at the top of Oh, your no. inbox I've if got you would it like. here. It's You got it? two pages, and it's already prefilled with my details. Is that that about And does right? Netwealth it have superannuation fund nomination, and it's already prefilled. mhmm. And all I've got to sign it, and all the details are already here, all the banking electronic funds. Yes. So then Yeah. you have all the Yeah. information there that you can put in how much or little you would like. So it's already been prefilled. All I have to do is put the money Literally. in and sign Correct. it, and then I send that back Send to you? it to us. Yes. You can Okay.","start_word":1929,"end_word":2122,"sentiment":"neutral","sentiment_score":0.0805113355331507},{"text":"send it Perfect.","start_word":2123,"end_word":2125,"sentiment":"positive","sentiment_score":0.38158825039863586},{"text":"back to that email because Whitlam is my kind of administration assistant, so he will liaise with me. So he will if you just respond to that email, that's fine because then I get all Okay. of those as well. Yep. Got it.","start_word":2126,"end_word":2168,"sentiment":"neutral","sentiment_score":0.24968723952770233},{"text":"It must be good having your administration assistant, is it? It is nice.","start_word":2169,"end_word":2181,"sentiment":"positive","sentiment_score":0.43455109000205994},{"text":"It is really Say, handy hey. Do at this. times. Does he does he get you does he get coffee and stuff for you, or is that like, No. That's too no. much. I wouldn't do Oh, that. come It's on. helping it's helping with He's healthy. work. Okay. Fair I enough. think I'm pretty nice. But, no, he he's he's he's good. So, yeah, he will he will handle all that, but let me know how it's all going. But, yeah, you can definitely do 2,000. Like I said, the the only thing to be mindful of is, obviously, it's locked in. So just make sure you whatever you put in is money you don't need anytime soon. I'll never get it back. You will later, but just not right Well now. well, by the time the next, you know, I don't know who comes into power the next election. Maybe they'll make retirement at, like, 80 or something like that. So you can't touch your super until you're 80. Who knows? Who who knows? It seems that, anyway, at the moment, a lot of people think you have to wait till 67, but that is just eight pension if you're eligible for it. You can with the current legislation, if you decide that you wanna retire, you can access everything tax free at 60. Oh, can you? Yep. So everything tax free, if you decide when you turn 60, you go, no. I wanna retire. You can take everything tax free from super. Most people, yeah, think they have to wait till 67, and that is just age pension. So if you do decide you turn 60 and you go, woo hoo.","start_word":2182,"end_word":2465,"sentiment":"neutral","sentiment_score":0.026821016406141956},{"text":"I wanna take everything. That's fine.","start_word":2466,"end_word":2471,"sentiment":"positive","sentiment_score":0.40751463174819946},{"text":"Just be mindful then that age pension doesn't kick in until 67 that it needs Also, it's to gonna last me seven years. last until age pension. Or a lot of people, what they do at 60, if you wanna, like, go down to part time, is that you reduce your hours a little bit and draw a bit of an income from superannuation under a transition to retirement strategy, which is very tax effective, which we can obviously look at when when that comes into play, which is where you can draw some money from super tax free, doing some contributions into super if you're still working, and basically end up with the same income at the end of the day. So it's basically designed for where you are then kind of literally transitioning into retirement. So you still wanna work. You just wanna reduce your hours, but obviously need the same amount of income to cover bills and expenses and stuff like that. Okay. That makes sense. Yeah. So but, yeah, otherwise, 60 if you stop working. Oh, I must stop working at 60. Yeah. Now other changes. So I'll just go through the bit of the fax on here and see if there's anything else that's changed for you. Personal information, I have you down here as in a defector relationship with no financial dependent. Is that correct? Finance Oh, I mean, she works. But do you mean does she Oh, financial dependent as in, like, kids that lives at home. oh, no. Just a dog. No. She's financially Yeah. dependent on us. But no. Yeah. She is there. No. Perfect. Occupation wise, we've already gone over your income, but has your role or anything like that changed or still doing the same thing? No. It's changed, but you know what?","start_word":2472,"end_word":2775,"sentiment":"neutral","sentiment_score":0.07598957419395447},{"text":"I'm sick of it. I'm gonna quit soon.","start_word":2776,"end_word":2783,"sentiment":"negative","sentiment_score":-0.642179012298584},{"text":"Yeah. What are you so are you still working for the local government council, just doing something Yeah. different? I'm I'm still working there, but it's been twelve years, and you know when you had enough of a job. Yeah. Just need a little It's change. I I need a change. I don't know what I'm gonna Mhmm. do. I've got lots of leaves that I've accumulated, but I'm not sure at this stage. I sort of just gotta weigh it all up, but I'm Mhmm. I'm Okay. sort of look I will be maybe next time you speak to me next year, I might have another job, but I I don't know. Okay. Okay. I'd rather have If another anything job than change be somewhere. Yeah. I'll let Yeah. you know. Yeah. Just let us know if you need any information or if we need to reassess anything there for you. Asset wise, your property I have here was last died at about 07:50. Is that still kind of the case? Would you know if that went up a little bit? I don't know. They sold the house across the road for 1,300,000, which was pretty good. Oh, wow. Is that fairly similar to yours? Do you know? No. There's this. They fully renovated it. The guy was a builder, Mhmm. and the land Mhmm. is a bit bigger. So, no, we wouldn't get 1.3. We'd probably I'll just keep it around the same, I think. The same? Okay. And Just about the biggest. 90 yeah. Perfect. And about 91 owing on the mortgage. It's about 80. 80? Oh, nice. But Change we're that. we're gonna have a renovation, but, yeah, currently, there's still 80. Current 80. Okay. Perfect. And do you own a motor vehicle or a boat or motorbike or anything? Nope. I got a company Nope. car. Ah, yes. Perfect. And I also have here investment share. It's about 25,000. Yeah.","start_word":2784,"end_word":3108,"sentiment":"neutral","sentiment_score":-0.0440628257393837},{"text":"Well, the stock market is not very good at the moment. I keep looking at it every day and see how much money I'm losing because of the shares.","start_word":3109,"end_word":3137,"sentiment":"negative","sentiment_score":-0.35964101552963257},{"text":"Better fluctuations. Yeah. Yeah. So around about 20, I think, 24, 25. Yeah. Around about that. Yep.","start_word":3138,"end_word":3154,"sentiment":"neutral","sentiment_score":-0.03960096836090088},{"text":"Perfect.","start_word":3155,"end_word":3155,"sentiment":"positive","sentiment_score":0.5354903936386108},{"text":"Any other changes to your assets in the last twelve months? Any other new assets or liabilities or anything we haven't gone over? No. I've got some money from a will from one of my great aunts, but Okay. Is that but just gonna that savings just went in the bank at the moment, or is that going to the no. mortgage? That just went straight into the loan and spent some Yeah. Yep. Perfect. Otherwise, health and lifestyle wise, still a nonsmoker? Still a nonsmoker. Perfect. And any changes significant changes to your health? Any issues or injuries or anything? No injuries. I started to go back to the gym. Okay.","start_word":3156,"end_word":3267,"sentiment":"neutral","sentiment_score":0.030232928693294525},{"text":"That's that's a good change.","start_word":3268,"end_word":3272,"sentiment":"positive","sentiment_score":0.5757808089256287},{"text":"Yeah. So I've I hadn't gone in four and a half years since COVID, and I went back August was when I went back. And I go I've got my own program, and I have a PT once a week.","start_word":3273,"end_word":3312,"sentiment":"neutral","sentiment_score":0.046645183116197586},{"text":"Oh, beautiful. And are you enjoying it? Yeah. It's honestly, it's the best thing.","start_word":3313,"end_word":3326,"sentiment":"positive","sentiment_score":0.4830079674720764},{"text":"And when I Yes. after eight months, I got on the body scan and did all the measurements, Mhmm. and I put on nine kilograms of muscle. Oh, wow.","start_word":3327,"end_word":3355,"sentiment":"neutral","sentiment_score":0.04686523228883743},{"text":"That's great.","start_word":3356,"end_word":3357,"sentiment":"positive","sentiment_score":0.351520836353302},{"text":"Yeah. So, yeah, I lost it. It and and, like, they couldn't even believe the, you know, the change that I've done just in the eight months just from and my my food intake was exactly the same. I hadn't changed anything that way. It was just going to the gym doing strength training and some cardio. Wow. Because putting on that much much muscle is hard because, obviously, muscles Yeah. weigh more than fat as well. So it's like putting on that muscle while still, you know, getting healthier, that's a very good achievement. Yeah. Look. I I didn't believe the results for the at first, I thought, oh, yeah. That's alright. And then my personal trainer, he he couldn't believe the results. He said, you know, because that nine kilos of muffle that you put on, that would have been fat. So although I Exactly. only lost two kilos of overall body weight and an inch and a half of my waist, Mhmm. that nine kilos Converted. of muscle was, Mhmm. yeah, was fat. So, no, Yeah.","start_word":3358,"end_word":3536,"sentiment":"neutral","sentiment_score":-0.07985564808272783},{"text":"I really enjoy it. And especially That's perfect. since I'm I'm getting results. Yeah. Yeah. I And really it's like good it.","start_word":3537,"end_word":3558,"sentiment":"positive","sentiment_score":0.6455873847007751},{"text":"to It's do yeah. it's good to do those scans as well because it does give you motivation because sometimes if you if you keep going and going and, you know, yeah, you notice if you put more weight on, so you obviously get stronger. But Yeah. it is nice to do the scans every now and then to see, like, actual other changes because sometimes on a daily, you you you see yourself all the time. So it's sometimes harder to notice the Yeah. changes, That's so right.","start_word":3559,"end_word":3647,"sentiment":"neutral","sentiment_score":0.20197562873363495},{"text":"this scan's like a nice little check-in.","start_word":3648,"end_word":3654,"sentiment":"positive","sentiment_score":0.3390956521034241},{"text":"Yeah. Because even if I, you know, I go on the scales, my weight's pretty much around the same. But when you go on the scan, it tells you how much fat, how much muscle, you know, and then all the measurements you put on an inch and a half around the waist oh, sorry, around your biceps, around that. Yeah. No. It's it's it's good.","start_word":3655,"end_word":3720,"sentiment":"neutral","sentiment_score":0.0670170783996582},{"text":"I really like.","start_word":3721,"end_word":3723,"sentiment":"positive","sentiment_score":0.4084440469741822},{"text":"But I like going there because the gym I go to is like a boutique gym. Oh, yes. So they've Yeah. only got, like, 300 odd members, and they're all it's like a family.","start_word":3724,"end_word":3757,"sentiment":"neutral","sentiment_score":0.24731780588626864},{"text":"Everyone's like, hi. You know, it's really cool. I like it.","start_word":3758,"end_word":3768,"sentiment":"positive","sentiment_score":0.412485808134079},{"text":"Yeah. Yeah. Oh, that's good. Well, that's a really good really good to It hear. was taking And estate planning wise, do you have a will or anything like that in place? No. No. That's all good. That's something that we wanna look into because, obviously, if you don't I'm have a wheel, does it just go to the government, or where does it go? sorry. If you don't have a will in place, it will obviously go through, like, the system and through the termination of who are potentially most suited for it. So they can obviously decide who they think have the highest right to your assets. So it is good to have because in the event that someone try to contest anything, sometimes straightforward, it can just go to the partner, but that's not always the case. So because sometimes, unfortunately, when people do pass away, sometimes it doesn't bring out the best in people at times. So there can be instances with someone else decide to contest it to be like, no. You know, x y zed, I want access to this and this and this. So having Yep. a will in place just means that certainty for you that if something were to happen, you have stipulated that legally you would like this to go to this person or multiple people Okay. or split it however you want. So it just provides you with, yeah, more certainty in regards to that and and eliminates someone else trying to come in and take your assets, essentially, if that's not who you actually wanted to go to. Yeah. Okay. Thanks. And No. That's really we've been wanting to do it. and We'll probably do you guys get around have somewhere local that you you know that you could get it sorted through, or do you need some information here. No. regards to someone? No. We'll pro we'll probably go somewhere local. I know I did speak Yep. to someone from your agency a couple Mhmm. of years ago, and someone called me from Perth oh, no. From your from Queensland. But I'd probably Mhmm. rather have someone local. Yeah. And that is perfectly And fine. Sometimes people yeah. prefer that. And then if I have to do any changes, I can do it Yeah. that way Straight rather away. than Yeah. yeah. Now the good thing as well with so with your estate super and insurances, it does not form part of the estate. So that is separate. Now if there is no valid nomination in place, it will go through the estate, but you have valid nominations in place. So that wouldn't fall form part of the estate. So if something were to happen, I have everything going to Anne at the moment at a 100%. So Yeah. that would No. That's straight that's go fine. to her anyway. So people can't really contest that. Yep. Yeah. So that's No. good.","start_word":3769,"end_word":4263,"sentiment":"neutral","sentiment_score":0.08542524442979783},{"text":"My father, unfortunately, when he passed away, he's well, he left everything to the to the evil stepmother.","start_word":4264,"end_word":4281,"sentiment":"negative","sentiment_score":-0.4494639337062836},{"text":"Yeah. Okay. Yep. And so yeah.","start_word":4282,"end_word":4287,"sentiment":"neutral","sentiment_score":-0.07945530116558075},{"text":"And it got really messy. She was really Mhmm. greedy.","start_word":4288,"end_word":4297,"sentiment":"negative","sentiment_score":-0.37968015670776367},{"text":"But in the the at the end of the day, like, you know, they said, well, you can go and contest it at the high court. It's gonna cost Yeah. you $5,000 a day to contest. But in the will, it said, I leave my entire estate to her.","start_word":4298,"end_word":4346,"sentiment":"neutral","sentiment_score":-0.16412761807441711},{"text":"I don't mean to do that So to then your it's kids hard. is pretty harsh.","start_word":4347,"end_word":4362,"sentiment":"negative","sentiment_score":-0.41212424635887146},{"text":"You Yeah. know what I mean? So Yeah. she yeah. Anyway, she ended up with yeah. Because my dad was a politician retired, so he had a huge super. He had two properties. He had we got some because we had to con we contested and say this is unfair, Right. and Yeah. we did have some of it. But overall, we was just like, this dad, you know, I wish I It could doesn't. speak to him now. It Yeah.","start_word":4363,"end_word":4443,"sentiment":"neutral","sentiment_score":-0.13988739252090454},{"text":"it was you just don't do that to your kids.","start_word":4444,"end_word":4453,"sentiment":"negative","sentiment_score":-0.4366646707057953},{"text":"I mean, it was Yes. no. Sorry. He left us his books. That's what he left Okay. us, his books. Can you believe that? Yeah. And so you would know firsthand with Will and contesting and experiences and yeah. It's it Yeah. doesn't They can get it's messy.","start_word":4454,"end_word":4501,"sentiment":"neutral","sentiment_score":-0.10114563256502151},{"text":"not a great thing.","start_word":4502,"end_word":4505,"sentiment":"negative","sentiment_score":-0.41060447692871094},{"text":"Very messy. Sorry. We And wanna everyone's make sure we have comes in for their piece of the pie and everyone that Yeah. you know, that who I'm who very are you? grateful. And they're just saying, oh, yeah. I Mhmm. want this. And I was, oh my god. How really it yeah. Yeah.","start_word":4506,"end_word":4559,"sentiment":"neutral","sentiment_score":-0.029798297211527824},{"text":"And the unfortunate thing we haven't spoken to her now in probably ten years.","start_word":4560,"end_word":4573,"sentiment":"negative","sentiment_score":-0.44990596175193787},{"text":"And, you know, Yeah. the step and we used to speak to her all the time. We really close, and then the whole thing just exploded, and she just got so greedy. And we didn't want everything, but we, you know, this we just wanted to be fair. You know? Yeah. It Yeah. it's anyway, sorry. I don't wanna bore you. It's No. just And I hear it's it all just the time. really It's all the time. And we obviously because we obviously manage your super shit. and insurances, we see it from that point of view as well, which is why we stress the importance of having nominations, which you do now, which is great, in place. Yeah. So those people who don't and it's obviously something would've happened.","start_word":4574,"end_word":4704,"sentiment":"neutral","sentiment_score":-0.0874059721827507},{"text":"The amount of people that can call and trying to get anything, it's it does not always bring out the best in people, unfortunately.","start_word":4705,"end_word":4728,"sentiment":"negative","sentiment_score":-0.3744465410709381},{"text":"Yeah. So, yes, it's very important to have have it all in order. And at least you have, like I said, the the super and everything sorted, and then it would just be, obviously, the will when you have a moment to have it to Yeah. have a look Because at it. even with our house, the property is in joint names. It automatically goes to her anyway, doesn't it? Is that true? Depends on how you guys have it structured. So there Okay. are different ways you can have it structured. So you can have, like, tenants in common or joint tenants. So there's different ways you can have it structured. But, basically, tenants in common is basically where you have one portion and she has one portion, and your portion can give through whoever you want. So if something were to happen, let's say you own 50%, you can then say, okay. Well, if something were to happen to my I want my 50% to go through x y z. Oh, But, otherwise, you have, like, a joint tenancy, which is more common, and that is basically where you have fifty fifty ownership. And then if, let's say, you would have passed away, it would automatically go through the other person, etcetera.","start_word":4729,"end_word":4942,"sentiment":"neutral","sentiment_score":0.0814770832657814},{"text":"Thank you. But your knowledge is I'm very impressed. You have to ask you know the answer for every question.","start_word":4943,"end_word":4962,"sentiment":"positive","sentiment_score":0.5182789504528046},{"text":"Oh, that's it's it's a lot to do. We have to do a lot of studies. But Yeah. I can but yeah. imagine. It's but, yeah, your if you do speak to a lawyer as well, they would be obviously the best pass Yeah. person in regards to all of this and to make sure it. But, yeah, most of the time, people have that joint tenancy Joint, agreement. Timothy. Alright.","start_word":4963,"end_word":5033,"sentiment":"neutral","sentiment_score":0.044016361236572266},{"text":"Thanks.","start_word":5034,"end_word":5034,"sentiment":"positive","sentiment_score":0.349404901266098},{"text":"Yeah. Yeah. I'll I'll get on to looking at a wheeler try and organizing something, I think. Yep.","start_word":5035,"end_word":5052,"sentiment":"neutral","sentiment_score":0.14351369440555573},{"text":"Perfect.","start_word":5053,"end_word":5053,"sentiment":"positive","sentiment_score":0.40186208486557007},{"text":"Now, otherwise, obviously, aside from the world, doing some renovations, doing a bit of extra contributions to Sousa, is there anything else that you guys are working towards, or that's kind of your main point at the moment? No. That's sort of it. I'm trying to win Yeah. the lottery, though. Still Yeah. still not there That'd yet, be unfortunately. nice. Oh, yeah. Now do you have access to your emails at the moment or not really right now? Yeah. Got access. Yes? Okay. Perfect. So I have sent you an email with some documents. Just same as last time, just a bit of an update on everything for you. If you can access that for me. Okay. We have recently Yep. changed the software as well, so it can sometimes end to stem. Yeah. I'm sorry. I just opened up my latest payslip, and this Alright. is from last Mhmm. week. So 100 Yep. and 1,000, and I get paid today. So, yeah, Okay. it'll be around so that's probably my overall, Probably and around I contribute that. a $100 a fortnight, I think it is. Yeah. I have here Net from s s. from your yeah. Exactly. I have here a $100.91 per fortnight from your transaction. Yep. That sounds about So right. alright.","start_word":5054,"end_word":5269,"sentiment":"neutral","sentiment_score":0.04478222504258156},{"text":"Perfect.","start_word":5270,"end_word":5270,"sentiment":"positive","sentiment_score":0.4051106572151184},{"text":"Now to make it easier for you, what order can you see the documents? Just hang on. Sure. And it will ask you to click on the link where it's assigned documents, but it will allow you to open up everything and look at it first. Oh, yep. Is this the one Derek sign review annual review? Yes. Yes. Yep. Oh, yeah. Are we are we gonna talk about my super or not? Oh, sorry. Yes. My is it have I got or do I sign it first? No. Sorry. If you click on the link, it will actually allow you to look at everything first, and the documents will be your your super and your investments and everything like that. Only at the end will it ask you to sign if you're happy to do so, but you can see everything first. Okay. Alright. So my superannuation, $225,000. Yep. So can That's you see that super in insurance what summary? Is that the one you're at at the moment? I'm Super summary of superannuation and insurances. Yes.","start_word":5271,"end_word":5448,"sentiment":"neutral","sentiment_score":0.07120073260216231},{"text":"Beautiful.","start_word":5449,"end_word":5449,"sentiment":"positive","sentiment_score":0.4938046932220459},{"text":"Is that is that Yeah. what I'm yeah. Correct. I just opened up the attachment. That's the first Yeah. page.","start_word":5450,"end_word":5469,"sentiment":"neutral","sentiment_score":0.11927784234285356},{"text":"Perfect.","start_word":5470,"end_word":5470,"sentiment":"positive","sentiment_score":0.4895990788936615},{"text":"So, yeah, you can see here that you obviously have your super network. You can see your balance there at the moment as well. And underneath that, you also have your insurances with TOW. So you have your life and total permanent disability insurance of 525,000 paid from within Netwealth. You don't pay for it out of pocket. And after tax, you pay 2,360. Do you Yep. still have to do with that level of cover for life and TPD? Yeah. I think that's okay. Yep.","start_word":5471,"end_word":5556,"sentiment":"neutral","sentiment_score":0.1438060849905014},{"text":"Perfect.","start_word":5557,"end_word":5557,"sentiment":"positive","sentiment_score":0.5295554995536804},{"text":"It would obviously pay out the mortgage if something were to happen, cover your loss of income for quite some time or, you know, any medical expenses or anything that you might need. Yeah. Now the next document, is that your asset performance detail with Netwealth? Yeah. Yep. Now this one can look a little bit messy, but that breaks down all your individual investment. So, obviously, like you touched on as well, the last twelve months have seen a little bit of fluctuations in the market. Obviously, you had everything going on in The US with, obviously, Trump and and everything, and more recently, everything with the war.","start_word":5558,"end_word":5666,"sentiment":"neutral","sentiment_score":0.010917800863128189},{"text":"So we've quite seen a bit of a mixed result of your investment.","start_word":5667,"end_word":5679,"sentiment":"negative","sentiment_score":-0.429069459438324},{"text":"Now you can see here on the second column to the right where it says return percentage, you can see each and every single one of your investments individually outlined. So you can see here that gold, for example, was up at 17.84%, which is pretty crazy. Now the Benelon Australian Equity, do you remember getting an email around March in regards to an investment switch? Maybe. It wasn't anything you had to sign. No. That's all good. Basically, what that email was is that the investment committee do research on the investments all the time to make sure that we always have you in the best position possible because there are things that's always changing. So we do wanna make sure we are very proactive with it. At the same time, you don't wanna necessarily sell while things are down. If we if it's just a bit of a cyclical trend, then we foresee things coming back around. But at the same time, if there are a bit of kind of underlying lagging of the investment and we foresee it not being the best option moving forward, we also wanna make sure we change things into a more suitable option for you. So Okay. what's that one investment? Which you can see here actually that that was the only investment that was down in your portfolio over the last twelve months. You can see that that was down quite a bit, the Benelon Australian equity, and that was changed for your BetaShares Australia 200. So because we changed an Australian equity investment, they wanted to make sure that they swapped it for another Australian option because we wanna make sure things are very diversified for you. We don't want everything just in The US or everything in, you know, emerging markets. We wanna make sure we keep things diversified. But the BetaShares Australia 200, it is a little bit more simplified because it invests in the 200 largest companies listed in Australia on the ASX. As the company grows, gets bigger, it gets added to it. And as the company gets smaller, it kind of comes off. So it's a little bit more stable than the Bennelong investment because that is a managed fund.","start_word":5680,"end_word":6054,"sentiment":"neutral","sentiment_score":-0.03498176230986913},{"text":"So that one, we're actively buying and selling different investments in order to try to outperform the market. They had done really well, which is why it was added to your portfolio in the first place, and it was a very strong investment.","start_word":6055,"end_word":6097,"sentiment":"positive","sentiment_score":0.46285924315452576},{"text":"But a little bit more recently, it's been a little bit slower with making the investment decisions. And another reason to why things were down a little bit for them was that one of the investments that they had in their portfolio was the corporate travel group. I'm not sure if you heard anything on the news or anything with that, but they had No. a bit of issues with their reporting and that company. So it was actually suspended from trading for a while. So that kind of saw things, yeah, come down for Benelon. So that was what that switch was. So moving forward, you should see a little bit kind of smoother, with not having Benelon in your investments and, obviously, overall, a little bit more of an improvement as well because that was kind of the only one that the investment committee and everything researched that we wanted to change. And you can see here on the document that that was the only one that was underperforming for you as well. Okay. As long as Does it's that going make up. sense? Yes. No. Yeah. No. It makes sense. Yep. Beautiful. No. It's still very much going in the right direction. And we do have you invested in your growth portfolio. So are you still happy with the level of risk and everything like that for a growth investor, or has anything changed for you? I don't know. Is it still I mean, you tell me. Is it is it still good to be what I in that growth sector? Or There there are a couple of different factors. So one of the thing is time frames to retirement. Obviously, the more actually, the next document is that a Vanguard index chart that you can see in front of you? Like a red graph? On the next document? Yes. Yeah. Yeah. Vanguard Yeah. index. Yep.","start_word":6098,"end_word":6416,"sentiment":"neutral","sentiment_score":-0.0545213595032692},{"text":"Beautiful. Perfect.","start_word":6417,"end_word":6418,"sentiment":"positive","sentiment_score":0.5796678066253662},{"text":"So we've one of the things we do factor in of making sure is that time frame.","start_word":6419,"end_word":6435,"sentiment":"neutral","sentiment_score":0.17642121016979218},{"text":"Now the the higher growth components you have to your portfolio, over the long term, you're gonna get the most amount of growth. So that's ultimately what we want.","start_word":6436,"end_word":6464,"sentiment":"positive","sentiment_score":0.429421991109848},{"text":"But we also wanna make sure that you have enough time in the market for those fluctuations. So that is the first thing we look at. Now in a growth portfolio, we typically want to allow six years until retirement. So at the moment for you, obviously, you can't access super until 60.","start_word":6465,"end_word":6517,"sentiment":"neutral","sentiment_score":0.17247624695301056},{"text":"So it is a good position to be in when we are looking at a time frame.","start_word":6518,"end_word":6534,"sentiment":"positive","sentiment_score":0.39499399065971375},{"text":"So, basically, what you can see on the chart in front of you is those ups and downs of the market.","start_word":6535,"end_word":6555,"sentiment":"neutral","sentiment_score":0.18418428301811215},{"text":"So you can basically see here it is a good visual representation. So you can see from 1995 through to 2025, and Vanguard updates this yearly as well, which is good every financial year, so the new one should come out soon.","start_word":6556,"end_word":6597,"sentiment":"positive","sentiment_score":0.4265154004096985},{"text":"And you can see that long term market always goes up. So, typically, the younger, obviously, we are, the more likely you see people in your your higher growth options or aggressive options because you have all the time in the market for that to come back around. But the closer you get to retirement and that some people then wanna It must start gradually stop. reducing that risk, because if you wanna access your money tomorrow, you don't want that to be a massive dip at the same time. So the first thing is time frame. The time frame in a growth portfolio is suitable for you, so that gives you about six years. The other thing we look at is what you are comfortable with. So it's also making sure that you are comfortable with short term fluctuations because it's not all just, like, from a numbers point of view, most clients in a similar age to yourself, I see in that growth portfolio because they don't wanna access super through 60, 65, or 67, and they do wanna focus on controlling their super.","start_word":6598,"end_word":6783,"sentiment":"neutral","sentiment_score":0.1241755709052086},{"text":"So from that point of view, it is a good portfolio for you.","start_word":6784,"end_word":6796,"sentiment":"positive","sentiment_score":0.42096155881881714},{"text":"But then on the other side, I sometimes like, I could have a a seven year old who goes, oh, no. I want high growth. I just wanna grow it as much as possible, and I don't really care about fluctuations. But at the same time, I have a 20 year old who says, no.","start_word":6797,"end_word":6851,"sentiment":"neutral","sentiment_score":-0.02940451336855238},{"text":"I'm not comfortable with any fluctuations even though I have so much time until, like, an access message that I do not feel comfortable with it.","start_word":6852,"end_word":6877,"sentiment":"negative","sentiment_score":-0.33750587701797485},{"text":"So it's kind Okay. of, like, multiple things.","start_word":6878,"end_word":6885,"sentiment":"neutral","sentiment_score":0.03719241917133331},{"text":"So time frame wise, growth is great for you, but it's also where you are comfortable with.","start_word":6886,"end_word":6902,"sentiment":"positive","sentiment_score":0.3847385346889496},{"text":"Are you still comfortable seeing a bit of short term fluctuation in order to grow it? Yeah. I think I'm still Yep. And just so Yep. you know as well in, like, kind of the scale of things, we typically have through your your highest risk is we have an aggressive plus investment option, which is basically where you're borrowing money, doing a lot of gearing and stuff. You then have aggressive. You have your high growth and then your growth, which is where you are at currently. And then we have your your balance growth, balance, and defensive. So you are kind of somewhere right in the middle with things. And Okay. what that also looks like from an asset allocation point of view is what you can see here on the graph is your growth investments typically have about 80% in this, and that is the top four. So you can see US shares, which is, like, your light green one. You have your Australian shares, which is, like, your dark green one. You have your international shares, which is, like, your yellow line, and then listed Mhmm. property at that kind of maroon color as well. So you can see that these are the ones that grow the most, Yep. but also fluctuate the most. And then we do have about 20% in those bottom three. So that is, like, your cash, your gold, your fixed interest, which you can see are a little bit more stable. They don't fluctuate as much, but they don't grow as much either. Does that all make sense, Eric? Makes sense. Yep. Yep.","start_word":6903,"end_word":7174,"sentiment":"neutral","sentiment_score":0.11981111764907836},{"text":"Beautiful.","start_word":7175,"end_word":7175,"sentiment":"positive","sentiment_score":0.5729705691337585},{"text":"And, obviously, as every every under review, we kind of review things for you.","start_word":7176,"end_word":7189,"sentiment":"neutral","sentiment_score":0.22895421087741852},{"text":"But time frame wise at the moment, it's still a good position with the growth one.","start_word":7190,"end_word":7205,"sentiment":"positive","sentiment_score":0.3426778316497803},{"text":"And, obviously, the closer you get to retirement, we can then start to look at reducing Three things three. slowly for you if if you wanted to.","start_word":7206,"end_word":7232,"sentiment":"neutral","sentiment_score":-0.0029006502591073513},{"text":"Perfect. Sounds good. Great.","start_word":7233,"end_word":7236,"sentiment":"positive","sentiment_score":0.6056565046310425},{"text":"Now what is the next document that you have there? Certificate of currency, TEL. Yep.","start_word":7237,"end_word":7251,"sentiment":"neutral","sentiment_score":0.0882348045706749},{"text":"Beautiful.","start_word":7252,"end_word":7252,"sentiment":"positive","sentiment_score":0.5234105587005615},{"text":"That basically just breaks down your tile insurances in a bit more detail, but basically lets you know that's all paid and up to date for you. Okay. And then what's the next one you have? It's the Oakview services guide. Yep.","start_word":7253,"end_word":7294,"sentiment":"neutral","sentiment_score":0.14913150668144226},{"text":"Perfect.","start_word":7295,"end_word":7295,"sentiment":"positive","sentiment_score":0.4109606742858886},{"text":"Now you would have seen this one. Every annual review is one of those compliance documents. None of the important information has changed. It's all in there for you. But if you do have a bit of a scroll through it, you will see that we've had a bit of a bit of an update to our marketing. So a bit more updated photos of everybody, of the team, director's advices, and also a bit of an extension to the team, which is great. So after you scroll through, you will see myself again on page 10 if you do wanna put a face to the voice. Oh, there you are. Attractive Yeah. woman. Thank you. So, yep, sometimes it's nice, obviously, when we do speak over the phone for people to actually know who they're talking with as well. Alright.","start_word":7296,"end_word":7436,"sentiment":"neutral","sentiment_score":0.15834328532218933},{"text":"Perfect.","start_word":7437,"end_word":7437,"sentiment":"positive","sentiment_score":0.33997294306755066},{"text":"Thank you. Yeah. Now the next document, there should be two more, and one is your ongoing service agreement with Netwealth. Can you see that one? It should say consent to ongoing fee arrangement. Where is that? At the bottom? As you scroll through, yeah, at the end of that document, there should be the next document. Okay. Next document. Oh, now it's the net wealth advice fees consent. Yes. That's the one. So this is the one if you're happy to do so that it will ask you to sign, and it's the Yep. same as last year. It's just an ongoing service agreement. The fee stays exactly the same, so there is no changes to the fee structure. It stays exactly the same at 1.65 from super. And after last time, it is not a lock in contract. So about any time you are not happy, it is not a lock in contract. But this lets us service your account and manage your investments and everything for you in the meantime. Okay.","start_word":7438,"end_word":7611,"sentiment":"neutral","sentiment_score":0.0867055927713712},{"text":"Perfect.","start_word":7612,"end_word":7612,"sentiment":"positive","sentiment_score":0.6148898601531982},{"text":"Yeah.","start_word":7613,"end_word":7613,"sentiment":"neutral","sentiment_score":0.31366032361984253},{"text":"I'll sign it and send it.","start_word":7614,"end_word":7619,"sentiment":"positive","sentiment_score":0.3512400984764099},{"text":"Yep.","start_word":7620,"end_word":7620,"sentiment":"neutral","sentiment_score":0.291960209608078},{"text":"Beautiful.","start_word":7621,"end_word":7621,"sentiment":"positive","sentiment_score":0.5905914306640625},{"text":"And is there one more document they ask you to sign after that? I just signed it. It says it's loading, so I probably have to wait for it to save. Yep. Okay.","start_word":7622,"end_word":7654,"sentiment":"neutral","sentiment_score":0.07816306501626968},{"text":"Perfect.","start_word":7655,"end_word":7655,"sentiment":"positive","sentiment_score":0.4527612328529358},{"text":"That was probably everything. Sometimes they will ask you to sign, like, a tax file number form, but you would have saved signed that last year.","start_word":7656,"end_word":7681,"sentiment":"neutral","sentiment_score":0.17524386942386627},{"text":"So that's good.","start_word":7682,"end_word":7684,"sentiment":"positive","sentiment_score":0.5566850900650024},{"text":"So that was all the documents that we needed to sign. So if it's just validating oh, yep.","start_word":7685,"end_word":7702,"sentiment":"neutral","sentiment_score":0.2563687860965729},{"text":"Beautiful. I can see that's already come through on my end, so thank you so much for that. I will let the team know. We'll get that all authorized. Let us know as well if you do make that contribution.","start_word":7703,"end_word":7742,"sentiment":"positive","sentiment_score":0.5495815873146057},{"text":"Just respond to the email, and Whitlam will let me know, and then we'll process that notice of intent for you as Yeah. I'll well probably do it today if I've got with time, but I'll definitely do those contributions. it ASAP. And then Yeah. I'll send you the form off, and then Yeah. Yeah. whatever We'll else we'll it is, do it. you'll Yeah. you'll do And everything. then we'll we'll do everything, and then we'll just literally send you a document at the end. And you just take that with you to your account when you do your tax return. Perfect. No problem. Yep. No worries. No. I know that was a little bit longer than the twenty minutes there, No. so That's thank you fine.","start_word":7743,"end_word":7870,"sentiment":"neutral","sentiment_score":0.1538437455892563},{"text":"so much It's for it's your time.","start_word":7871,"end_word":7877,"sentiment":"positive","sentiment_score":0.3337506949901581},{"text":"look. It's it's once a year, but thanks very much. Yeah. It's No. No problem. no. I think compared to before previously before it was you, I think it was Alan. Yes. So you got a lot more depth of the documents, and you I explain like things to. a lot a lot a lot better.","start_word":7878,"end_word":7933,"sentiment":"neutral","sentiment_score":0.12226147204637527},{"text":"Oh, that's Whereas good. I'm glad.","start_word":7934,"end_word":7939,"sentiment":"positive","sentiment_score":0.4371039867401123},{"text":"I felt, unfortunately, with him sometimes, it was just a matter of sign it. Okay. Yeah. And then I'll say, oh, no. But I don't think I wanna pay that much in Yeah. my total Yeah. debt. And he's like, oh, yeah. You you know, he's Yeah. a bit I found him a bit a bit pushy. Okay. Well, he's not with us at the moment. He he left, so he's no longer here. And yeah. Obviously, every every adviser works slightly different, but I'm very much well, it's like, I don't wanna push anyone. That's not what I'm here to do, and I wanna make sure that you are fully informed at the end of the day. And sometimes there's people that want everything in detail and sometimes people don't. Yeah. But, you know, I would rather explain everything as much as I can and go through things because, like you said, it is once a year. Obviously, if you do ever want more catch up, just let us know. If there's ever any questions or anything else that you need, just let us Yeah. know. It's all part of the service. If you do want a bit more frequent catch up, but otherwise, it is that yearly review where we go kind of through things in a little bit more in-depth as well. Yep. No. It's good that Yep. you explain things and go through the graph and rather than just Yeah. sign here, sign here. Okay.","start_word":7940,"end_word":8188,"sentiment":"neutral","sentiment_score":-0.017788272351026535},{"text":"Thanks very much.","start_word":8189,"end_word":8191,"sentiment":"positive","sentiment_score":0.37869271636009216},{"text":"See you in a year. It's Yeah. Yeah. at least then I've Oh, I'm I've glad. got more sort of More knowledge information. of of what's actually Yeah. happening in, you know, the different Yeah. markets. And that's it's I think it's very useful.","start_word":8192,"end_word":8235,"sentiment":"neutral","sentiment_score":0.16855573654174805},{"text":"Oh, that's great. I'm glad. And that's also part of the job as well is to kind of help educate you at the end of the day and making sure, you know, everyone understands everything. So I'm I'm really glad that you find it very helpful and knowledgeable. That makes me really Yeah. happy No.","start_word":8236,"end_word":8290,"sentiment":"positive","sentiment_score":0.5525370131839406},{"text":"as well.","start_word":8291,"end_word":8292,"sentiment":"neutral","sentiment_score":0.31662043929100037},{"text":"Definitely. So thank you Your for that. your knowledge is is yeah. Like, it's very impressive. You you're Oh, thank you.","start_word":8293,"end_word":8313,"sentiment":"positive","sentiment_score":0.6122414469718933},{"text":"I I could ask you a question. I'm sure you would you know, even explaining all that notice intent to to claim or whatever of yeah. That's just I'm sort of getting the Yeah. the hang of what I have That's to do, but good. Yeah. previously, But I if wouldn't you even know. yeah.","start_word":8314,"end_word":8368,"sentiment":"neutral","sentiment_score":0.06377682089805603},{"text":"Perfect. Oh, I'm glad.","start_word":8369,"end_word":8372,"sentiment":"positive","sentiment_score":0.3663987815380096},{"text":"But like I said, if there's anything you need at any point in time, you have our email address, send us an email or or give me a call. Like I said, I'll keep a lookout for that email as well, and I will let Whitlam know through I expect that email in the next couple of days, and Yep. we'll get straight on to that for you. But, otherwise, Perfect.","start_word":8373,"end_word":8443,"sentiment":"neutral","sentiment_score":0.09947286546230316},{"text":"thank you so much for your time today, Derek, and I hope you enjoy the rest of your day. Thanks very much, Veronica. Nice to talk to you again, and enjoy.","start_word":8444,"end_word":8474,"sentiment":"positive","sentiment_score":0.5735784769058228},{"text":"Yes. Is it are you in Queensland, are you? Yeah. We're up on the Gold Coast. Is it warm up there or Oh, it's raining today, which is a bit oh, miserable. it's raining, is it? Okay. Still fairly warm, but Oh, it's a bit rainy, a bit wet. well, enjoy the rain. Oh, yeah. Thank you It's so raining much. You here enjoy as well the rest where of your day. yeah. We get rain here. Well, it's been a bit dry, but it's it's been rain, but raining a lot. But I'm gonna take the dog for a walk. Yeah. Mine hates it in the rain. Yeah. Mine doesn't like going for a walk in the rain, but if she doesn't get a walk, she'll probably chew your arm off because she Oh, she just she needs she yeah. needs to get that, you know, that You get a bit of exercise. oh, it's not really the exercise for her because, yeah, she's a working one, so she's just got a lot of energy, but it's more just to give her some, you know, sniffing, and then she's out there and Yep. just a bit of stimulation.","start_word":8475,"end_word":8673,"sentiment":"neutral","sentiment_score":0.033256287902977376},{"text":"Yeah. Always good. Yeah. Well, I will let you go and enjoy the rest of your day there, Derek.","start_word":8674,"end_word":8692,"sentiment":"positive","sentiment_score":0.6474004983901978},{"text":"Like I said, anything you need at any point in time doesn't have to be around review time. You just let me know.","start_word":8693,"end_word":8715,"sentiment":"neutral","sentiment_score":0.24147845804691315},{"text":"Alright. Perfect. Thank you very much, Veronica. No problem. We'll speak soon. See you.","start_word":8716,"end_word":8729,"sentiment":"positive","sentiment_score":0.5935269594192505},{"text":"Bye. Bye.","start_word":8730,"end_word":8731,"sentiment":"neutral","sentiment_score":0.2124125063419342}],"average":{"sentiment":"neutral","sentiment_score":0.07847617888194217}}}}