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Did you just send it, or did you send it a little while ago? Okay. It's not through yet, but that's cool. That's fine. Hack penis. I'm just gonna keep rolling reloading. Yeah. Let's go. Yep. That's okay. That that's cool. Oh, it just came through. His name's Harry. No. Stupid. My bad. Yep. It is. Sorry. Cool. Yep. Yep. Let's go. Yeah. 100 percent. No. Go. Let's go. Yeah. Hi, Subin. How are you going? Yeah. Really good. Thank you. So look. We we work very, very similarly in in similar industries, so I'm not gonna, you know, fully explain what an adviser does because I'm sure you probably have a a pretty decent idea as to what my role is. But I'm here, like you do, to help people with their finances. You deal with a a, you know, tax advantageous areas of advice. I deal with, I guess, a lot of a lot of money growth areas. Now from a perspective of where you're currently sitting, I can see we obviously have there's a beautiful home that we're we're pretty heavy in debt on, which is which is perfect. That's okay. It's a it's a it's a debt that gives us an asset in the long run. And then we've got the car loan. We've got a credit card. With the credit card, I just wanted to, I guess, find out, are we are we running the credit card up, or are we just using it from a point perspective? So we kind of put our monthly expenses on it and pay it off each month. Fantastic. Cool. You know? No. Perfect. So we're just kinda living living on and paying it off. Yes. 100%. No. I get it. I do it through. It's all about the Qantas points and all about being able to go and travel. Perfect. Now you also have a share portfolio. I know you can't access it, but is that like a share portfolio as in actual shares, or are we have we previously day traded? Are we is it, like, Bitcoin or in wallets or something like that? Yeah. Yeah. Yep. No. Perfect. Yep. Amazing. Okay. Now I know that you went through, I guess, what we call an investor risk profile. And the whole point of an investor risk profile is to give a guidance on how risk adverse an individual person is. So with that, it gives us a very I guess, it's a very limited tool because all it's doing is giving me an idea as to whether you're willing to take a risk on the market. But there are levels of risk. Right? There's the day trading level of risk where you're obviously buying and selling quite aggressively, and if you miss a sale or you miss a buy, you lose out massively or potentially win. Then there's the risk avenue where you have, say, a percentage of assets invested in the market and a percentage of assets invested conservatively. And that's, you know, where you sit in terms of your risk profile is generally what is that avenue is. So someone that is a high risk taker would have, say, 80 to a 100% of their assets invested on the market, and then that remaining percentage would be conservative. And those conservative assets can still be an investment, but it's generally a conservative investment such as your government bonds, your fixed interest, your cash kind of assets. Now you've come out as a more aggressive investor. However, investing does go deeper than that because you then have avenues such as, as you said, ETFs, exchange trade funds. You've got your managed managed portfolios. You've, yep, managed funds, and then you've got your, you know, direct shares. Now, generally, when it comes to superannuation, we don't look too heavily at going direct share investing purely and simply because it means that you are increasing your risk by going direct share level because you're putting a large amount of your assets not only in an individual sector but in an individual company. What you wanna do is you obviously wanna diversify out a little bit and have and and have your your assets invested across a a wide variety of sectors and company in a minute, you know, percentage. Because it means if company a were to to go down, well, you have, you know, b through to zed, so it's okay. Now with investing, what we do and what, I guess, the Oakview way is is that we do look a lot at we look at ETFs, we also look at managed funds, and it's dependent on what type of investor a client is as to how we go and proceed with investing. I know that you have you obviously have you know, you're familiar with ETFs, but what is your preference when it comes to investing? Are you looking for lower cost avenues to, you know, make sure that you aren't paying for high platform fees or high investment fees to, you know, just have your money kinda track, or are you looking to maybe pay a little bit more to get a better outcome or a potential better outcome, I should say? Yeah. Yeah. Yeah. Can I ask? Because you are you are quite young. Well, I mean, you are young. If I say quiet, it means that I'm not young either, and that brings me sadness. We are quite we are young. So what I guess what sorry. It's been a day. You have quite a quite a long time before you're gonna be able to access this asset. And as I was explaining before, I guess, you can invest up to a 100% of an asset in the market. But you can go beyond that, and you can actually sort of invest, say, a 120 to a 180%. It's called leveraging or gearing. Have you ever heard of it? No? That's okay. That's okay. So because you are a high growth investor, it means that, you know, you're happy to take on risk. Right? Now theoretically, we could, you know, we could invest a 100% of the assets that you have in the market, but it can go beyond that. And what you can do is you can actually borrow money to invest. Now personally, if you borrowed money to invest, you would go to a bank, you would borrow money, you would invest, you owe the bank the money back plus interest. Right? There's actually assets that you can invest in that that do the borrowing into into fund, so it reduces your risk completely. It's still very much it's called geared investing, but it allows you to take on a little bit more risk to an investment or to the market as a whole without taking on a very, very large amount of risk. Is that something or an avenue that you would be interested in looking at? Mixed bag, generally. You you there's there's ETFs. There's managed funds that do this. There's there's a lot that do. The the, you know, the managed funds that do invest in this area or the ETFs invest in this area. You know? What property? Sorry? This is yeah. So down this avenue in terms of geared investments are just shares that you purchase. And and you basically this the fund will borrow money from the bank, and they will invest a higher percentage in those stocks and shares on your behalf. It doesn't have to be an avenue that I look at or or investigate on your behalf. It just it was a question that I guess I wanted to, I guess, throw out there and ask to be able to, I guess, gauge how much of a risk taker you were because you are slightly you know, you're on that higher range. So whether you are more of, like, a, you know, the 90 to a 100% risk taker or whether maybe you do ebb over that little bit and you're willing to take that little bit extra risk for a longer term return. Yeah. No. Yeah. No. Absolutely. That's fine. And, look, it's always something we can pick up during, you know, down the line, maybe possibly look at it again. Yeah. Absolutely. Definitely. Yes. Yeah. Yeah. Absolutely. We can we can investigate other areas. We can do slight changes to how the portfolio sits and how it works. Now, like like myself, you you have three children, don't you? One child who is three. Sorry. I read that wrong. Perfect. One child who's three. Three is a terrible age and also a perfectly beautiful age all at the same time, isn't it? Yeah. I know. It's it's gorgeous. My youngest is five now, so I'm kind of over that that learn I mean, they always learn, but I'm over that, you know, little learning stage, and I'm onto the school stages, which is just a headache all on its own. Oh, completely different experience, very much so. Okay. Perfect. So with I guess, back to the investing side of things. With the investing side of things, we're looking at, like, high aggressive investments, no not going into geared, but we wanna still focus on our reduced cost. So we're looking sort of a a little bit towards the ETF route with maybe a little bit of, like, a mix in with our managed funds, something like that just to keep things spicy. Are there any other areas of advice that you wanna look at that's outside the superannuation realm? Do you have any personal goals that you and your family are aiming towards with respect to where you currently sit? You know, anything that you guys are aiming to to achieve, pay the mortgage off, pay the credit card sorry, car loan off, anything like that? Yeah. Yeah. Yep. Okay. And how much does she earn at the moment? Okay. Okay. Alright. So she's quite underpaid. Yeah. Yeah. Yeah. And with with a kid at home, it sometimes the flexibility is nice as well. Alright. Absolutely. Now the money that we're saving at the moment, because, as I understand, we're putting sort of 500 to $1,000 away each week. Are we directing that towards anything specific? Are we usually utilizing that to pay off the car loan more aggressively? Are we just putting it in the offset account? Is it going away for a holiday? Is there anything that that money is specifically being targeted towards? Yep. Yeah. Okay. No. That's okay. Alright. No. That's perfect. So with the money that you're saving, you you're directing it to to different avenues already. Is, I guess, additional contribution something that you would be interested in, given that you are sitting on a higher ish income, or are we happy to just keep saving where we're currently saving? Yeah. Yep. Yeah. I am registered in in being able to I'm obviously not an accountant level. There are some limitations. Like, I can't do your tax return or your BAS statement, but I can definitely talk about tax. Yeah. Yeah. No. Definitely. So I guess the biggest the biggest question with any kind of, I guess, tax advice and investing comes down to, first and foremost, do you want the funds to be accessible to you immediately? So let's just say we do go and invest money. Do you want those funds to be accessible to you, or are you happy to, say, put them into your superannuation where they're they're preserved and you can't touch them? Yeah. Okay. Perfect. I guess the last question I probably have is because you do have a kid, you have a three year old, and we know that children cost money. I have three, so trust me. They cost a lot of money. Do you wanna look at maybe putting, like, a savings account together for your kid? Something that you could maybe tax effectively have as an avenue to be able to as an avenue to be able to, like, maybe put money away for them to buy their first car or put money away for them to have a savings account for a house deposit for themselves in the future. Something that maybe is locked away so you can't touch it. Something that's a little bit, I guess, there for them. No. That's okay. Yeah. Look. It can just be it can just be that. It's an open ended question, and it doesn't have to be something that you need to have an answer for now. Realistically, if we enter into an ongoing relationship moving forward and and, you know, and I give you advice each year as we as we move through, because realistically, that's what would happen, is we would enter into a a relationship and I would contact you yearly at a minimum, and we would be able to go through conversations like this, possibly even speak to your wife down the line and look at, you know, doing advice together, And whether that advice looks like, you know, purchasing investment properties or looking at savings accounts for, you know, your child right now and maybe future kids down the line, we could look at doing that. It doesn't have to be. We don't have to do everything in one conversation. Sometimes things can be two to three to five years down the line that we we look at. But sometimes it's just good to have that question or for me to ask that question to for you to start thinking about it as something for you to consider. Cool. Because a a lot of parents will set up what's called like a a a Commonwealth Kidsaver account. You know, they'll chuck $10 a week into the account and money just sits there earning absolutely nothing. And sometimes it's just better to look at a different avenue than, you know, just having a bank account that's not really earning too much. So I just wanted to I always like asking those questions. I because I've been in the industry for ten years, have did exactly that. I've set up bank accounts for my kids. My eldest is 13, so he he'll be buying a car. Scary, but he buys a car in just a few more years, and he's already got the money sitting there ready to go. Yeah. Trust me. You blink it away. I remember when my kid my I remember when my eldest was three. Decade goes pretty quick. Yeah, okay. No. That's okay. If we were to open an account, how much would you wanna put in from an initial point of view? I can we obviously have the money sitting in the offset. Would you be willing to contribute some of the money in the offset, say, 2 to 5,000 to open an account and then, say, put $10 a week into that that fund, or what would you sort of what would be the parameters that you would look at investing under that? Yep. Yep. Yeah. So we don't wanna we don't wanna, I guess, do anything to affect paying off the home loan. Yeah. Yes. Yeah. Yeah. Definitely. We can we can look at different strategies to make sure that we're paying off the home loan as we move through. We can look at budgeting and how we can better budget for the home loan. But, again, not something we we look at biting into initially. We kind of we step it out each year to kind of add a different area or layer of advice as we move through. Perfect. Alright. Cool. So $50 a week is what we sort of look at to to contribute towards can I ask what your child's name is? So that way I I stop referring to them as your child. No n o r a? Nora. Perfect. Beautiful. Alright. So yeah. So, you know, put $50 per week away from Nora, and then we look at, I guess, having a look at where we can go with our superannuation. The one thing I think I've probably noticed glaringly was it looks like you've obviously increased your life insurance with Australian Super to a million dollars, but your total permanent disability insurance is still really low. Was that intentional, or was it you it just wasn't sort of something that you thought of at the time? Yes. One one one one one. One million. Yeah. Your total yeah. The disability cover sits at fifty six fifty seven thousand. Sorry. Yeah. I have no. I just no. Just just the details that we obtained from our super. Yeah. And life. That's a life. No. That's okay. Cool. So what I'll look at is I'll look at different avenues for, like, life insurance, total permanent disability, to see what we can get in that realm because I am concerned that if you were never able to work again, so let's just say you suffered a severe stroke because your job is obviously very mind based, it requires you to be attentive, switched on, and capable of doing your the tasks. If you were no longer able to do your job, your family's gonna get paid out $57,000, which is taxed at 22%, which means that your wife is gonna be left with a very large mortgage. But your car loan's gonna be paid off, so happy days. It just it very sarcastically saying it's not gonna be enough to cover what we need. So, yeah, so what I'm gonna look down I'll look at avenues down that line to see what we have available to us in the insurance scope to see whether we can, you know, a, beat it, meet it. I can do quotes up under AustralianSuper as well to make sure I'm obviously considering that from an increased perspective and go from there. I think the only thing I Yeah. Yeah. Yeah. They would have just they would you would have had to answer probably four questions, and it would have been your age, your occupation, and, you know, are you sick and dying, basically, is the questions they ask. Really limited scope. So yeah. So I'll I'll have a look at at where we land with their cover if we did increase it, and then I'll have a look at the open market and see what's available to us in that realm. Are you you're obviously comfortable with the million dollars kind of area because that leaves you debt free. Would you wanna look at anything additional to the million, or is a million sort of where your where your comfort level sits? Yeah. No. Perfect. I would never I'd I never wanna over insure someone, but at the same time, I'm very realistic. If anything happens to you, you'll you know, is your wife able to live comfortably with a house paid off and let's just say it's gonna be sort of, like, $300,000 left in the bank? By the time the house is paid off, you know, possibly sell your car, your superannuation pays out. She'll have $300,000 left in the bank. That gives her, say, three, four years that she can take off work to sort of figure out what her normal is and just live off the that savings. Is that for your family, is that something that you're comfortable doing? Perfect. Yeah. Cool. So a million dollars is where our comfort level sits a 100%. Amazing. So I'll look at that area of of advice as well. I'll look at the child savings strategy as well, and then we can go from there with regards to how we kind of, I guess, put it all together and how it work for us. Obviously, as we move through, again, working together ongoing, we can pull your wife in and we can we can have a chat to her about, you know, where together as a couple, where we're on track for, see whether any other areas of advice that we might wanna look at, investment properties, investment accounts, so on and so forth, and and work from there moving forward. Alright? No. So there is so there's there's basically two ways that you can invest. You can invest in what's called an APRA, a p r a, regulated fund, which is like your Australian super, your, you know, or super, your retail funds, everything like that, or you can invest in what's called a self managed super fund, which, obviously, you would know about. A self managed super fund is and does operate the way the same way that a APRA fund regulates. However, you become the trustee. So you are required to deal with all of the regulatory mandates for the fund. You have to report. You have to audit, so on and so forth. But, essentially, under that that fund, you would have merged monies. So you could merge both of the superannuation funds into one, and you could then utilize the funds together to invest, buy a property, so on and so forth, underneath the SMSF. There's still two technical accounts. I can definitely set up an SMSF. It would require me to talk to both of you to go down that avenue to be able to enter into something like an SMSF transaction. Because if we're looking at an SMSF, we're looking at two people. I'll be very, very clear that we do not offer an auditing service. We would engage an accountant or you would engage an accountant to audit the fund, so on and so forth, and do the annual tax returns to the fund. So we don't we're not an accountant. We don't audit or anything like that. We can just provide the advice on how to invest and where to go from that. Yeah. So is an SMSF fund something that you are more so leading towards, or do you wanna look at us? Yeah. Yeah. Again, sometimes it might be a two to five year plan down the line. Okay. Amazing. Alright. Well, I'll start getting things together based on what we've talked about, and we'll be able to go from there. But what I can do is is Billy wanted to have a chat to you before I left the call. So I'll pop you back over to Billy, and he'll be able to you haven't been Yeah. Yeah. Yes. Yes. I'm sorry. Correct. Yeah. Yes. Yeah. So the next avenue is I go away and start researching things, pull things apart, and have a look at where everything fits from a numbers perspective. And then I put that together in a document called a statement of advice, and then we get back together and I present that advice to you. And yeah. And then once you're happy with it, we implement it all, get it all up and running, and and go from there. Yeah. Amazing. Give me one moment. I'll pop you back over to Billy. Thanks, guys. 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Good afternoon. Good. How are you, Billy? I don't have a fax line.\n\nOh. Okay. Did you send it to me personally, or did you send it to not me? Okay. Did you just send it, or did you send it a little while ago?\n\nOkay. It's not through yet, but that's cool. That's fine. Hack penis. I'm just gonna keep rolling reloading.\n\nYeah. Let's go. Yep. That's okay. That that's cool.\n\nOh, it just came through. His name's Harry. No. Stupid. My bad.\n\nYep. It is. Sorry. Cool. Yep.\n\nYep. Let's go. Yeah. 100 percent. No.\n\nGo. Let's go. Yeah. Hi, Subin. How are you going?\n\nYeah. Really good. Thank you. So look. We we work very, very similarly in in similar industries, so I'm not gonna, you know, fully explain what an adviser does because I'm sure you probably have a a pretty decent idea as to what my role is.\n\nBut I'm here, like you do, to help people with their finances. You deal with a a, you know, tax advantageous areas of advice. I deal with, I guess, a lot of a lot of money growth areas. Now from a perspective of where you're currently sitting, I can see we obviously have there's a beautiful home that we're we're pretty heavy in debt on, which is which is perfect. That's okay.\n\nIt's a it's a it's a debt that gives us an asset in the long run. And then we've got the car loan. We've got a credit card. With the credit card, I just wanted to, I guess, find out, are we are we running the credit card up, or are we just using it from a point perspective? So we kind of put our monthly expenses on it and pay it off each month.\n\nFantastic. Cool. You know? No. Perfect.\n\nSo we're just kinda living living on and paying it off. Yes. 100%. No. I get it.\n\nI do it through. It's all about the Qantas points and all about being able to go and travel. Perfect. Now you also have a share portfolio. I know you can't access it, but is that like a share portfolio as in actual shares, or are we have we previously day traded?\n\nAre we is it, like, Bitcoin or in wallets or something like that? Yeah. Yeah. Yep. No.\n\nPerfect. Yep. Amazing. Okay. Now I know that you went through, I guess, what we call an investor risk profile.\n\nAnd the whole point of an investor risk profile is to give a guidance on how risk adverse an individual person is. So with that, it gives us a very I guess, it's a very limited tool because all it's doing is giving me an idea as to whether you're willing to take a risk on the market. But there are levels of risk. Right? There's the day trading level of risk where you're obviously buying and selling quite aggressively, and if you miss a sale or you miss a buy, you lose out massively or potentially win.\n\nThen there's the risk avenue where you have, say, a percentage of assets invested in the market and a percentage of assets invested conservatively. And that's, you know, where you sit in terms of your risk profile is generally what is that avenue is. So someone that is a high risk taker would have, say, 80 to a 100% of their assets invested on the market, and then that remaining percentage would be conservative. And those conservative assets can still be an investment, but it's generally a conservative investment such as your government bonds, your fixed interest, your cash kind of assets. Now you've come out as a more aggressive investor.\n\nHowever, investing does go deeper than that because you then have avenues such as, as you said, ETFs, exchange trade funds. You've got your managed managed portfolios. You've, yep, managed funds, and then you've got your, you know, direct shares. Now, generally, when it comes to superannuation, we don't look too heavily at going direct share investing purely and simply because it means that you are increasing your risk by going direct share level because you're putting a large amount of your assets not only in an individual sector but in an individual company. What you wanna do is you obviously wanna diversify out a little bit and have and and have your your assets invested across a a wide variety of sectors and company in a minute, you know, percentage.\n\nBecause it means if company a were to to go down, well, you have, you know, b through to zed, so it's okay. Now with investing, what we do and what, I guess, the Oakview way is is that we do look a lot at we look at ETFs, we also look at managed funds, and it's dependent on what type of investor a client is as to how we go and proceed with investing. I know that you have you obviously have you know, you're familiar with ETFs, but what is your preference when it comes to investing? Are you looking for lower cost avenues to, you know, make sure that you aren't paying for high platform fees or high investment fees to, you know, just have your money kinda track, or are you looking to maybe pay a little bit more to get a better outcome or a potential better outcome, I should say? Yeah.\n\nYeah. Yeah. Can I ask? Because you are you are quite young. Well, I mean, you are young.\n\nIf I say quiet, it means that I'm not young either, and that brings me sadness. We are quite we are young. So what I guess what sorry. It's been a day. You have quite a quite a long time before you're gonna be able to access this asset.\n\nAnd as I was explaining before, I guess, you can invest up to a 100% of an asset in the market. But you can go beyond that, and you can actually sort of invest, say, a 120 to a 180%. It's called leveraging or gearing. Have you ever heard of it? No?\n\nThat's okay. That's okay. So because you are a high growth investor, it means that, you know, you're happy to take on risk. Right? Now theoretically, we could, you know, we could invest a 100% of the assets that you have in the market, but it can go beyond that.\n\nAnd what you can do is you can actually borrow money to invest. Now personally, if you borrowed money to invest, you would go to a bank, you would borrow money, you would invest, you owe the bank the money back plus interest. Right? There's actually assets that you can invest in that that do the borrowing into into fund, so it reduces your risk completely. It's still very much it's called geared investing, but it allows you to take on a little bit more risk to an investment or to the market as a whole without taking on a very, very large amount of risk.\n\nIs that something or an avenue that you would be interested in looking at? Mixed bag, generally. You you there's there's ETFs. There's managed funds that do this. There's there's a lot that do.\n\nThe the, you know, the managed funds that do invest in this area or the ETFs invest in this area. You know? What property? Sorry? This is yeah.\n\nSo down this avenue in terms of geared investments are just shares that you purchase. And and you basically this the fund will borrow money from the bank, and they will invest a higher percentage in those stocks and shares on your behalf. It doesn't have to be an avenue that I look at or or investigate on your behalf. It just it was a question that I guess I wanted to, I guess, throw out there and ask to be able to, I guess, gauge how much of a risk taker you were because you are slightly you know, you're on that higher range. So whether you are more of, like, a, you know, the 90 to a 100% risk taker or whether maybe you do ebb over that little bit and you're willing to take that little bit extra risk for a longer term return.\n\nYeah. No. Yeah. No. Absolutely.\n\nThat's fine. And, look, it's always something we can pick up during, you know, down the line, maybe possibly look at it again. Yeah. Absolutely. Definitely.\n\nYes. Yeah. Yeah. Absolutely. We can we can investigate other areas.\n\nWe can do slight changes to how the portfolio sits and how it works. Now, like like myself, you you have three children, don't you? One child who is three. Sorry. I read that wrong.\n\nPerfect. One child who's three. Three is a terrible age and also a perfectly beautiful age all at the same time, isn't it? Yeah. I know.\n\nIt's it's gorgeous. My youngest is five now, so I'm kind of over that that learn I mean, they always learn, but I'm over that, you know, little learning stage, and I'm onto the school stages, which is just a headache all on its own. Oh, completely different experience, very much so. Okay. Perfect.\n\nSo with I guess, back to the investing side of things. With the investing side of things, we're looking at, like, high aggressive investments, no not going into geared, but we wanna still focus on our reduced cost. So we're looking sort of a a little bit towards the ETF route with maybe a little bit of, like, a mix in with our managed funds, something like that just to keep things spicy. Are there any other areas of advice that you wanna look at that's outside the superannuation realm? Do you have any personal goals that you and your family are aiming towards with respect to where you currently sit?\n\nYou know, anything that you guys are aiming to to achieve, pay the mortgage off, pay the credit card sorry, car loan off, anything like that? Yeah. Yeah. Yep. Okay.\n\nAnd how much does she earn at the moment? Okay. Okay. Alright. So she's quite underpaid.\n\nYeah. Yeah. Yeah. And with with a kid at home, it sometimes the flexibility is nice as well. Alright.\n\nAbsolutely. Now the money that we're saving at the moment, because, as I understand, we're putting sort of 500 to $1,000 away each week. Are we directing that towards anything specific? Are we usually utilizing that to pay off the car loan more aggressively? Are we just putting it in the offset account?\n\nIs it going away for a holiday? Is there anything that that money is specifically being targeted towards? Yep. Yeah. Okay.\n\nNo. That's okay. Alright. No. That's perfect.\n\nSo with the money that you're saving, you you're directing it to to different avenues already. Is, I guess, additional contribution something that you would be interested in, given that you are sitting on a higher ish income, or are we happy to just keep saving where we're currently saving? Yeah. Yep. Yeah.\n\nI am registered in in being able to I'm obviously not an accountant level. There are some limitations. Like, I can't do your tax return or your BAS statement, but I can definitely talk about tax. Yeah. Yeah.\n\nNo. Definitely. So I guess the biggest the biggest question with any kind of, I guess, tax advice and investing comes down to, first and foremost, do you want the funds to be accessible to you immediately? So let's just say we do go and invest money. Do you want those funds to be accessible to you, or are you happy to, say, put them into your superannuation where they're they're preserved and you can't touch them?\n\nYeah. Okay. Perfect. I guess the last question I probably have is because you do have a kid, you have a three year old, and we know that children cost money. I have three, so trust me.\n\nThey cost a lot of money. Do you wanna look at maybe putting, like, a savings account together for your kid? Something that you could maybe tax effectively have as an avenue to be able to as an avenue to be able to, like, maybe put money away for them to buy their first car or put money away for them to have a savings account for a house deposit for themselves in the future. Something that maybe is locked away so you can't touch it. Something that's a little bit, I guess, there for them.\n\nNo. That's okay. Yeah. Look. It can just be it can just be that.\n\nIt's an open ended question, and it doesn't have to be something that you need to have an answer for now. Realistically, if we enter into an ongoing relationship moving forward and and, you know, and I give you advice each year as we as we move through, because realistically, that's what would happen, is we would enter into a a relationship and I would contact you yearly at a minimum, and we would be able to go through conversations like this, possibly even speak to your wife down the line and look at, you know, doing advice together, And whether that advice looks like, you know, purchasing investment properties or looking at savings accounts for, you know, your child right now and maybe future kids down the line, we could look at doing that. It doesn't have to be. We don't have to do everything in one conversation. Sometimes things can be two to three to five years down the line that we we look at.\n\nBut sometimes it's just good to have that question or for me to ask that question to for you to start thinking about it as something for you to consider. Cool. Because a a lot of parents will set up what's called like a a a Commonwealth Kidsaver account. You know, they'll chuck $10 a week into the account and money just sits there earning absolutely nothing. And sometimes it's just better to look at a different avenue than, you know, just having a bank account that's not really earning too much.\n\nSo I just wanted to I always like asking those questions. I because I've been in the industry for ten years, have did exactly that. I've set up bank accounts for my kids. My eldest is 13, so he he'll be buying a car. Scary, but he buys a car in just a few more years, and he's already got the money sitting there ready to go.\n\nYeah. Trust me. You blink it away. I remember when my kid my I remember when my eldest was three. Decade goes pretty quick.\n\nYeah, okay. No. That's okay. If we were to open an account, how much would you wanna put in from an initial point of view? I can we obviously have the money sitting in the offset.\n\nWould you be willing to contribute some of the money in the offset, say, 2 to 5,000 to open an account and then, say, put $10 a week into that that fund, or what would you sort of what would be the parameters that you would look at investing under that? Yep. Yep. Yeah. So we don't wanna we don't wanna, I guess, do anything to affect paying off the home loan.\n\nYeah. Yes. Yeah. Yeah. Definitely.\n\nWe can we can look at different strategies to make sure that we're paying off the home loan as we move through. We can look at budgeting and how we can better budget for the home loan. But, again, not something we we look at biting into initially. We kind of we step it out each year to kind of add a different area or layer of advice as we move through. Perfect.\n\nAlright. Cool. So $50 a week is what we sort of look at to to contribute towards can I ask what your child's name is? So that way I I stop referring to them as your child. No n o r a?\n\nNora. Perfect. Beautiful. Alright. So yeah.\n\nSo, you know, put $50 per week away from Nora, and then we look at, I guess, having a look at where we can go with our superannuation. The one thing I think I've probably noticed glaringly was it looks like you've obviously increased your life insurance with Australian Super to a million dollars, but your total permanent disability insurance is still really low. Was that intentional, or was it you it just wasn't sort of something that you thought of at the time? Yes. One one one one one.\n\nOne million. Yeah. Your total yeah. The disability cover sits at fifty six fifty seven thousand. Sorry.\n\nYeah. I have no. I just no. Just just the details that we obtained from our super. Yeah.\n\nAnd life. That's a life. No. That's okay. Cool.\n\nSo what I'll look at is I'll look at different avenues for, like, life insurance, total permanent disability, to see what we can get in that realm because I am concerned that if you were never able to work again, so let's just say you suffered a severe stroke because your job is obviously very mind based, it requires you to be attentive, switched on, and capable of doing your the tasks. If you were no longer able to do your job, your family's gonna get paid out $57,000, which is taxed at 22%, which means that your wife is gonna be left with a very large mortgage. But your car loan's gonna be paid off, so happy days. It just it very sarcastically saying it's not gonna be enough to cover what we need. So, yeah, so what I'm gonna look down I'll look at avenues down that line to see what we have available to us in the insurance scope to see whether we can, you know, a, beat it, meet it.\n\nI can do quotes up under AustralianSuper as well to make sure I'm obviously considering that from an increased perspective and go from there. I think the only thing I Yeah. Yeah. Yeah. They would have just they would you would have had to answer probably four questions, and it would have been your age, your occupation, and, you know, are you sick and dying, basically, is the questions they ask.\n\nReally limited scope. So yeah. So I'll I'll have a look at at where we land with their cover if we did increase it, and then I'll have a look at the open market and see what's available to us in that realm. Are you you're obviously comfortable with the million dollars kind of area because that leaves you debt free. Would you wanna look at anything additional to the million, or is a million sort of where your where your comfort level sits?\n\nYeah. No. Perfect. I would never I'd I never wanna over insure someone, but at the same time, I'm very realistic. If anything happens to you, you'll you know, is your wife able to live comfortably with a house paid off and let's just say it's gonna be sort of, like, $300,000 left in the bank?\n\nBy the time the house is paid off, you know, possibly sell your car, your superannuation pays out. She'll have $300,000 left in the bank. That gives her, say, three, four years that she can take off work to sort of figure out what her normal is and just live off the that savings. Is that for your family, is that something that you're comfortable doing? Perfect.\n\nYeah. Cool. So a million dollars is where our comfort level sits a 100%. Amazing. So I'll look at that area of of advice as well.\n\nI'll look at the child savings strategy as well, and then we can go from there with regards to how we kind of, I guess, put it all together and how it work for us. Obviously, as we move through, again, working together ongoing, we can pull your wife in and we can we can have a chat to her about, you know, where together as a couple, where we're on track for, see whether any other areas of advice that we might wanna look at, investment properties, investment accounts, so on and so forth, and and work from there moving forward. Alright? No. So there is so there's there's basically two ways that you can invest.\n\nYou can invest in what's called an APRA, a p r a, regulated fund, which is like your Australian super, your, you know, or super, your retail funds, everything like that, or you can invest in what's called a self managed super fund, which, obviously, you would know about. A self managed super fund is and does operate the way the same way that a APRA fund regulates. However, you become the trustee. So you are required to deal with all of the regulatory mandates for the fund. You have to report.\n\nYou have to audit, so on and so forth. But, essentially, under that that fund, you would have merged monies. So you could merge both of the superannuation funds into one, and you could then utilize the funds together to invest, buy a property, so on and so forth, underneath the SMSF. There's still two technical accounts. I can definitely set up an SMSF.\n\nIt would require me to talk to both of you to go down that avenue to be able to enter into something like an SMSF transaction. Because if we're looking at an SMSF, we're looking at two people. I'll be very, very clear that we do not offer an auditing service. We would engage an accountant or you would engage an accountant to audit the fund, so on and so forth, and do the annual tax returns to the fund. So we don't we're not an accountant.\n\nWe don't audit or anything like that. We can just provide the advice on how to invest and where to go from that. Yeah. So is an SMSF fund something that you are more so leading towards, or do you wanna look at us? Yeah.\n\nYeah. Again, sometimes it might be a two to five year plan down the line. Okay. Amazing. Alright.\n\nWell, I'll start getting things together based on what we've talked about, and we'll be able to go from there. But what I can do is is Billy wanted to have a chat to you before I left the call. So I'll pop you back over to Billy, and he'll be able to you haven't been Yeah. Yeah. Yes.\n\nYes. I'm sorry. Correct. Yeah. Yes.\n\nYeah. So the next avenue is I go away and start researching things, pull things apart, and have a look at where everything fits from a numbers perspective. And then I put that together in a document called a statement of advice, and then we get back together and I present that advice to you. And yeah. And then once you're happy with it, we implement it all, get it all up and running, and and go from there.\n\nYeah. Amazing. Give me one moment. I'll pop you back over to Billy. Thanks, guys.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.52,"end":2.0,"sentiment":"neutral","sentiment_score":0.13196873664855957},{"text":"Good afternoon.","start":2.0,"end":2.74,"sentiment":"positive","sentiment_score":0.3633784204721451},{"text":"Good.","start":5.44,"end":5.8399997,"sentiment":"positive","sentiment_score":0.3813502490520478},{"text":"How are you, Billy?","start":5.8399997,"end":6.72,"sentiment":"neutral","sentiment_score":0.22642115876078606},{"text":"I don't have a fax line.","start":6.72,"end":8.42,"sentiment":"neutral","sentiment_score":-0.04941941269983848}],"sentiment":"neutral","sentiment_score":0.13208885610635793,"num_words":14,"start":1.52,"end":8.42},{"sentences":[{"text":"Oh.","start":12.16,"end":12.66,"sentiment":"neutral","sentiment_score":-0.16407066583633423},{"text":"Okay.","start":29.58,"end":30.060001,"sentiment":"neutral","sentiment_score":0.017130235210061073},{"text":"Did you send it to me personally, or did you send it to not me?","start":30.060001,"end":34.0,"sentiment":"neutral","sentiment_score":-0.007369254250079393},{"text":"Okay.","start":35.18,"end":35.68,"sentiment":"neutral","sentiment_score":0.004894266836345196},{"text":"Did you just send it, or did you send it a little while ago?","start":45.754997,"end":49.135,"sentiment":"neutral","sentiment_score":-0.0052574218383857185}],"sentiment":"neutral","sentiment_score":-0.010193402602453716,"num_words":32,"start":12.16,"end":49.135},{"sentences":[{"text":"Okay.","start":49.68,"end":50.0,"sentiment":"neutral","sentiment_score":0.00337081030011177},{"text":"It's not through yet, but that's cool.","start":50.0,"end":52.18,"sentiment":"neutral","sentiment_score":-0.04813413395147238},{"text":"That's fine.","start":52.719997,"end":53.699997,"sentiment":"neutral","sentiment_score":-0.10482829436659813},{"text":"Hack penis.","start":54.32,"end":55.199997,"sentiment":"negative","sentiment_score":-0.6188998818397522},{"text":"I'm just gonna keep rolling reloading.","start":55.199997,"end":57.379997,"sentiment":"negative","sentiment_score":-0.5307272722323736}],"sentiment":"neutral","sentiment_score":-0.2758548951759521,"num_words":18,"start":49.68,"end":57.379997},{"sentences":[{"text":"Yeah.","start":63.375,"end":63.695004,"sentiment":"neutral","sentiment_score":0.026996444910764698},{"text":"Let's go.","start":63.695004,"end":69.795,"sentiment":"neutral","sentiment_score":0.027577262371778488},{"text":"Yep.","start":73.455,"end":73.955,"sentiment":"neutral","sentiment_score":0.042433686554431915},{"text":"That's okay.","start":132.89,"end":133.71,"sentiment":"neutral","sentiment_score":0.09232183545827866},{"text":"That that's cool.","start":142.345,"end":143.805,"sentiment":"neutral","sentiment_score":0.2256218045949936}],"sentiment":"neutral","sentiment_score":0.10956597121225463,"num_words":9,"start":63.375,"end":143.805},{"sentences":[{"text":"Oh, it just came through.","start":144.425,"end":146.045,"sentiment":"neutral","sentiment_score":-0.0053861262276768684},{"text":"His name's Harry.","start":146.105,"end":147.085,"sentiment":"neutral","sentiment_score":0.002895511065920194},{"text":"No.","start":148.025,"end":148.525,"sentiment":"neutral","sentiment_score":-0.17714712023735046},{"text":"Stupid.","start":149.67001,"end":150.15001,"sentiment":"negative","sentiment_score":-0.4412189722061157},{"text":"My bad.","start":150.15001,"end":150.63,"sentiment":"neutral","sentiment_score":-0.25900010019540787}],"sentiment":"neutral","sentiment_score":-0.09621753256457548,"num_words":12,"start":144.425,"end":150.63},{"sentences":[{"text":"Yep.","start":150.63,"end":150.95001,"sentiment":"neutral","sentiment_score":-0.04858563467860222},{"text":"It 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going?","start":185.59999,"end":186.5,"sentiment":"neutral","sentiment_score":0.17951242998242378}],"sentiment":"neutral","sentiment_score":0.12098226323723793,"num_words":10,"start":159.67001,"end":186.5},{"sentences":[{"text":"Yeah.","start":188.855,"end":189.25499,"sentiment":"neutral","sentiment_score":0.2547798156738281},{"text":"Really good.","start":189.25499,"end":189.89499,"sentiment":"positive","sentiment_score":0.4510037750005722},{"text":"Thank you.","start":189.89499,"end":190.635,"sentiment":"positive","sentiment_score":0.448738694190979},{"text":"So look.","start":192.455,"end":194.775,"sentiment":"neutral","sentiment_score":0.18121854215860367},{"text":"We we work very, very similarly in in similar industries, so I'm not gonna, you know, fully explain what an adviser does because I'm sure you probably have a a pretty decent idea as to what my role is.","start":194.775,"end":204.65001,"sentiment":"neutral","sentiment_score":0.10097045050217555}],"sentiment":"neutral","sentiment_score":0.13814237843389096,"num_words":46,"start":188.855,"end":204.65001},{"sentences":[{"text":"But I'm here, like you do, to help people with their finances.","start":205.43001,"end":208.73001,"sentiment":"neutral","sentiment_score":0.2814072792728742},{"text":"You deal with a a, you know, tax advantageous areas of advice.","start":209.27,"end":212.89,"sentiment":"neutral","sentiment_score":0.005371827244137724},{"text":"I deal with, I guess, a lot of a lot of money growth areas.","start":213.27,"end":216.33,"sentiment":"neutral","sentiment_score":-0.018283038000975336},{"text":"Now from a perspective of where you're currently sitting, I can see we obviously have there's a beautiful home that we're we're pretty heavy in debt on, which is which is perfect.","start":218.25499,"end":233.86,"sentiment":"neutral","sentiment_score":0.07973191517521627},{"text":"That's okay.","start":233.92,"end":234.56,"sentiment":"positive","sentiment_score":0.42593297362327576}],"sentiment":"neutral","sentiment_score":0.09150936082005501,"num_words":72,"start":205.43001,"end":234.56},{"sentences":[{"text":"It's a it's a it's a debt that gives us an asset in the long run.","start":234.56,"end":238.42,"sentiment":"neutral","sentiment_score":0.32209683023393154},{"text":"And then we've got the car loan.","start":238.96,"end":240.88,"sentiment":"neutral","sentiment_score":0.04135243860738618},{"text":"We've got a credit card.","start":240.88,"end":242.24,"sentiment":"neutral","sentiment_score":0.045215798541903496},{"text":"With the credit card, I just wanted to, I guess, find out, are we are we running the credit card up, or are we just using it from a point perspective?","start":242.24,"end":250.215,"sentiment":"neutral","sentiment_score":0.03643324406396958},{"text":"So we kind of put our monthly expenses on it and pay it off each month.","start":250.215,"end":253.435,"sentiment":"neutral","sentiment_score":0.03120688407216221}],"sentiment":"neutral","sentiment_score":0.09730448077122371,"num_words":75,"start":234.56,"end":253.435},{"sentences":[{"text":"Fantastic.","start":260.55,"end":261.05,"sentiment":"positive","sentiment_score":0.4396888017654419},{"text":"Cool.","start":262.15,"end":262.55,"sentiment":"neutral","sentiment_score":0.26121777296066284},{"text":"You know?","start":262.55,"end":262.87,"sentiment":"neutral","sentiment_score":0.12394948676228523},{"text":"No.","start":262.87,"end":263.11,"sentiment":"neutral","sentiment_score":0.04563742876052856},{"text":"Perfect.","start":263.11,"end":263.61,"sentiment":"neutral","sentiment_score":0.21812167763710025}],"sentiment":"neutral","sentiment_score":0.20209410910805067,"num_words":6,"start":260.55,"end":263.61},{"sentences":[{"text":"So we're just kinda living living on and paying it off.","start":263.75,"end":266.33,"sentiment":"neutral","sentiment_score":0.1611877049912106},{"text":"Yes.","start":270.15,"end":270.65,"sentiment":"neutral","sentiment_score":0.04998914897441864},{"text":"100%.","start":271.655,"end":272.475,"sentiment":"neutral","sentiment_score":0.07150222361087799},{"text":"No.","start":272.61502,"end":273.095,"sentiment":"neutral","sentiment_score":0.003823397681117058},{"text":"I get it.","start":273.095,"end":273.575,"sentiment":"neutral","sentiment_score":0.018175585195422173}],"sentiment":"neutral","sentiment_score":0.1148768400444704,"num_words":17,"start":263.75,"end":273.575},{"sentences":[{"text":"I do it through.","start":273.575,"end":274.55502,"sentiment":"neutral","sentiment_score":0.06468332093209028},{"text":"It's all about the Qantas points and all about being able to go and travel.","start":274.695,"end":278.315,"sentiment":"neutral","sentiment_score":0.11512956867615382},{"text":"Perfect.","start":279.73502,"end":280.215,"sentiment":"neutral","sentiment_score":0.2067144215106964},{"text":"Now you also have a share portfolio.","start":280.215,"end":282.075,"sentiment":"neutral","sentiment_score":0.07778087151902062},{"text":"I know you can't access it, but is that like a share portfolio as in actual shares, or are we have we previously day traded?","start":282.45502,"end":291.24002,"sentiment":"neutral","sentiment_score":0.02284117266535759}],"sentiment":"neutral","sentiment_score":0.06361320485862401,"num_words":52,"start":273.575,"end":291.24002},{"sentences":[{"text":"Are we is it, like, Bitcoin or in wallets or something like that?","start":291.54,"end":295.08002,"sentiment":"neutral","sentiment_score":0.014209321055274744},{"text":"Yeah.","start":299.955,"end":300.455,"sentiment":"neutral","sentiment_score":-0.006948383525013924},{"text":"Yeah.","start":306.995,"end":307.495,"sentiment":"neutral","sentiment_score":0.002636524848639965},{"text":"Yep.","start":311.09,"end":311.59,"sentiment":"neutral","sentiment_score":0.023181995376944545},{"text":"No.","start":312.53,"end":312.85,"sentiment":"neutral","sentiment_score":0.030206264927983284}],"sentiment":"neutral","sentiment_score":0.013752798549830914,"num_words":17,"start":291.54,"end":312.85},{"sentences":[{"text":"Perfect.","start":312.85,"end":313.33002,"sentiment":"neutral","sentiment_score":0.12702623009681702},{"text":"Yep.","start":313.33002,"end":313.83002,"sentiment":"neutral","sentiment_score":0.08204129338264465},{"text":"Amazing.","start":318.93,"end":319.43,"sentiment":"positive","sentiment_score":0.3608333468437195},{"text":"Okay.","start":319.57,"end":320.07,"sentiment":"neutral","sentiment_score":0.079230897128582},{"text":"Now I know that you went through, I guess, what we call an investor risk profile.","start":321.41,"end":326.545,"sentiment":"neutral","sentiment_score":-0.048612851882353425}],"sentiment":"neutral","sentiment_score":-0.006433693133294583,"num_words":20,"start":312.85,"end":326.545},{"sentences":[{"text":"And the whole point of an investor risk profile is to give a guidance on how risk adverse an individual person is.","start":326.92502,"end":336.30502,"sentiment":"neutral","sentiment_score":-0.1413707651875236},{"text":"So with that, it gives us a very I guess, it's a very limited tool because all it's doing is giving me an idea as to whether you're willing to take a risk on the market.","start":337.91,"end":348.22998,"sentiment":"neutral","sentiment_score":-0.16695942802147734},{"text":"But there are levels of risk.","start":348.22998,"end":350.72998,"sentiment":"neutral","sentiment_score":-0.15752359479665756},{"text":"Right?","start":351.01498,"end":351.455,"sentiment":"neutral","sentiment_score":-0.06760740280151367},{"text":"There's the day trading level of risk where you're obviously buying and selling quite aggressively, and if you miss a sale or you miss a buy, you lose out massively or potentially win.","start":351.455,"end":361.51498,"sentiment":"neutral","sentiment_score":-0.26866072980743466}],"sentiment":"neutral","sentiment_score":-0.19386989079719905,"num_words":98,"start":326.92502,"end":361.51498},{"sentences":[{"text":"Then there's the risk avenue where you have, say, a percentage of assets invested in the market and a percentage of assets invested conservatively.","start":362.13498,"end":371.05002,"sentiment":"neutral","sentiment_score":-0.016166150931288332},{"text":"And that's, you know, where you sit in terms of your risk profile is generally what is that avenue is.","start":372.47,"end":379.38498,"sentiment":"neutral","sentiment_score":-0.007184542715549469},{"text":"So someone that is a high risk taker would have, say, 80 to a 100% of their assets invested on the market, and then that remaining percentage would be conservative.","start":379.525,"end":391.33002,"sentiment":"neutral","sentiment_score":-0.009632328525185585},{"text":"And those conservative assets can still be an investment, but it's generally a conservative investment such as your government bonds, your fixed interest, your cash kind of assets.","start":391.33002,"end":404.47,"sentiment":"neutral","sentiment_score":0.07111388005848442},{"text":"Now you've come out as a more aggressive investor.","start":406.155,"end":408.815,"sentiment":"neutral","sentiment_score":-0.003935069259670045}],"sentiment":"neutral","sentiment_score":0.010226348521468977,"num_words":111,"start":362.13498,"end":408.815},{"sentences":[{"text":"However, investing does go deeper than that because you then have avenues such as, as you said, ETFs, exchange trade funds.","start":408.875,"end":418.97498,"sentiment":"neutral","sentiment_score":-0.005505797054086413},{"text":"You've got your managed managed portfolios.","start":419.13,"end":421.79,"sentiment":"neutral","sentiment_score":0.026492982326696318},{"text":"You've, yep, managed funds, and then you've got your, you know, direct shares.","start":422.01,"end":426.83002,"sentiment":"neutral","sentiment_score":0.019049589020701554},{"text":"Now, generally, when it comes to superannuation, we don't look too heavily at going direct share investing purely and simply because it means that you are increasing your risk by going direct share level because you're putting a large amount of your assets not only in an individual sector but in an individual company.","start":426.97,"end":445.615,"sentiment":"neutral","sentiment_score":-0.07072057112775466},{"text":"What you wanna do is you obviously wanna diversify out a little bit and have and and have your your assets invested across a a wide variety of sectors and company in a minute, you know, percentage.","start":445.995,"end":460.73,"sentiment":"neutral","sentiment_score":0.09476197349864084}],"sentiment":"neutral","sentiment_score":-0.00016593136149280853,"num_words":131,"start":408.875,"end":460.73},{"sentences":[{"text":"Because it means if company a were to to go down, well, you have, you know, b through to zed, so it's okay.","start":460.73,"end":467.165,"sentiment":"neutral","sentiment_score":0.11469808480013972},{"text":"Now with investing, what we do and what, I guess, the Oakview way is is that we do look a lot at we look at ETFs, we also look at managed funds, and it's dependent on what type of investor a client is as to how we go and proceed with investing.","start":469.705,"end":487.78,"sentiment":"neutral","sentiment_score":0.1711126368206281},{"text":"I know that you have you obviously have you know, you're familiar with ETFs, but what is your preference when it comes to investing?","start":489.28,"end":496.30502,"sentiment":"neutral","sentiment_score":0.12454142980277538},{"text":"Are you looking for lower cost avenues to, you know, make sure that you aren't paying for high platform fees or high investment fees to, you know, just have your money kinda track, or are you looking to maybe pay a little bit more to get a better outcome or a potential better outcome, I should say?","start":496.30502,"end":515.96,"sentiment":"neutral","sentiment_score":0.11269195403969079},{"text":"Yeah.","start":524.995,"end":525.495,"sentiment":"neutral","sentiment_score":0.27043330669403076}],"sentiment":"neutral","sentiment_score":0.13515147813566172,"num_words":157,"start":460.73,"end":525.495},{"sentences":[{"text":"Yeah.","start":537.00995,"end":537.50995,"sentiment":"neutral","sentiment_score":0.2154764235019684},{"text":"Yeah.","start":551.825,"end":551.90497,"sentiment":"neutral","sentiment_score":0.003374435007572174},{"text":"Can I ask?","start":551.90497,"end":552.705,"sentiment":"neutral","sentiment_score":-0.03911528984705607},{"text":"Because you are you are quite young.","start":552.705,"end":554.96497,"sentiment":"neutral","sentiment_score":-0.12677818217447825},{"text":"Well, I mean, you are young.","start":555.185,"end":556.305,"sentiment":"neutral","sentiment_score":-0.2325193484624227}],"sentiment":"neutral","sentiment_score":-0.12116990983486176,"num_words":18,"start":537.00995,"end":556.305},{"sentences":[{"text":"If I say quiet, it means that I'm not young either, and that brings me sadness.","start":556.305,"end":559.88,"sentiment":"negative","sentiment_score":-0.3861445654183626},{"text":"We are quite we are young.","start":560.74005,"end":562.52,"sentiment":"negative","sentiment_score":-0.33902810513973236},{"text":"So what I guess what sorry.","start":564.18005,"end":566.92004,"sentiment":"neutral","sentiment_score":-0.2288480003674825},{"text":"It's been a day.","start":567.30005,"end":568.36005,"sentiment":"neutral","sentiment_score":-0.262491837143898},{"text":"You have quite a quite a long time before you're gonna be able to access this asset.","start":569.78,"end":573.80005,"sentiment":"neutral","sentiment_score":-0.2293296447571586}],"sentiment":"neutral","sentiment_score":-0.29661512222825265,"num_words":49,"start":556.305,"end":573.80005},{"sentences":[{"text":"And as I was explaining before, I guess, you can invest up to a 100% of an asset in the market.","start":574.965,"end":580.185,"sentiment":"neutral","sentiment_score":0.10978300088927859},{"text":"But you can go beyond that, and you can actually sort of invest, say, a 120 to a 180%.","start":580.805,"end":587.78503,"sentiment":"neutral","sentiment_score":0.2357637584209442},{"text":"It's called leveraging or gearing.","start":588.33,"end":589.61005,"sentiment":"neutral","sentiment_score":0.1680201083421707},{"text":"Have you ever heard of it?","start":589.61005,"end":590.83,"sentiment":"neutral","sentiment_score":0.0638985267529885},{"text":"No?","start":594.41003,"end":594.81,"sentiment":"neutral","sentiment_score":-0.0189821794629097}],"sentiment":"neutral","sentiment_score":0.15364353752766663,"num_words":52,"start":574.965,"end":594.81},{"sentences":[{"text":"That's okay.","start":594.81,"end":595.37,"sentiment":"neutral","sentiment_score":0.1408223733305931},{"text":"That's okay.","start":595.37,"end":596.11005,"sentiment":"positive","sentiment_score":0.3599131405353546},{"text":"So because you are a high growth investor, it means that, you know, you're happy to take on risk.","start":596.33,"end":602.19,"sentiment":"positive","sentiment_score":0.37797921111709193},{"text":"Right?","start":602.41003,"end":602.91003,"sentiment":"neutral","sentiment_score":0.2885332703590393},{"text":"Now theoretically, we could, you know, we could invest a 100% of the assets that you have in the market, but it can go beyond that.","start":604.995,"end":611.07495,"sentiment":"positive","sentiment_score":0.3468990738575275}],"sentiment":"positive","sentiment_score":0.34981970459222794,"num_words":50,"start":594.81,"end":611.07495},{"sentences":[{"text":"And what you can do is you can actually borrow money to invest.","start":611.07495,"end":613.735,"sentiment":"neutral","sentiment_score":0.31376423973303574},{"text":"Now personally, if you borrowed money to invest, you would go to a bank, you would borrow money, you would invest, you owe the bank the money back plus interest.","start":614.27496,"end":622.01,"sentiment":"neutral","sentiment_score":0.2966118345657984},{"text":"Right?","start":622.47,"end":622.97,"sentiment":"neutral","sentiment_score":0.3108551800251007},{"text":"There's actually assets that you can invest in that that do the borrowing into into fund, so it reduces your risk completely.","start":623.83,"end":633.61,"sentiment":"positive","sentiment_score":0.38664878092028876},{"text":"It's still very much it's called geared investing, but it allows you to take on a little bit more risk to an investment or to the market as a whole without taking on a very, very large amount of risk.","start":634.395,"end":647.64,"sentiment":"neutral","sentiment_score":0.13326722159981727}],"sentiment":"neutral","sentiment_score":0.25589723941290154,"num_words":106,"start":611.07495,"end":647.64},{"sentences":[{"text":"Is that something or an avenue that you would be interested in looking at?","start":647.88,"end":652.46,"sentiment":"neutral","sentiment_score":0.07733343009437833},{"text":"Mixed bag, generally.","start":661.575,"end":662.775,"sentiment":"neutral","sentiment_score":0.03292700027426084},{"text":"You you there's there's ETFs.","start":662.775,"end":665.335,"sentiment":"neutral","sentiment_score":0.047663822025060656},{"text":"There's managed funds that do this.","start":665.335,"end":667.275,"sentiment":"neutral","sentiment_score":0.09171709294120471},{"text":"There's there's a lot that do.","start":668.53503,"end":670.635,"sentiment":"neutral","sentiment_score":0.1314726322889328}],"sentiment":"neutral","sentiment_score":0.08114430834265317,"num_words":34,"start":647.88,"end":670.635},{"sentences":[{"text":"The the, you know, the managed funds that do invest in this area or the ETFs invest in this area.","start":670.695,"end":676.25,"sentiment":"neutral","sentiment_score":0.0944162741303444},{"text":"You know?","start":678.07,"end":678.73,"sentiment":"neutral","sentiment_score":0.026827816851437092},{"text":"What property?","start":682.79,"end":683.51,"sentiment":"neutral","sentiment_score":-0.013746792916208506},{"text":"Sorry?","start":683.51,"end":684.01,"sentiment":"neutral","sentiment_score":-0.02486974000930786},{"text":"This is yeah.","start":695.495,"end":697.335,"sentiment":"neutral","sentiment_score":0.016553018242120743}],"sentiment":"neutral","sentiment_score":0.0692598873283714,"num_words":28,"start":670.695,"end":697.335},{"sentences":[{"text":"So down this avenue in terms of geared investments are just shares that you purchase.","start":697.335,"end":708.78,"sentiment":"neutral","sentiment_score":0.09105967978636424},{"text":"And and you basically this the fund will borrow money from the bank, and they will invest a higher percentage in those stocks and shares on your behalf.","start":710.04004,"end":720.58496,"sentiment":"neutral","sentiment_score":0.15900795201637916},{"text":"It doesn't have to be an avenue that I look at or or investigate on your behalf.","start":724.005,"end":728.08496,"sentiment":"neutral","sentiment_score":0.08473137985257541},{"text":"It just it was a question that I guess I wanted to, I guess, throw out there and ask to be able to, I guess, gauge how much of a risk taker you were because you are slightly you know, you're on that higher range.","start":728.08496,"end":739.05,"sentiment":"neutral","sentiment_score":0.05068208645615313},{"text":"So whether you are more of, like, a, you know, the 90 to a 100% risk taker or whether maybe you do ebb over that little bit and you're willing to take that little bit extra risk for a longer term return.","start":739.11,"end":750.65497,"sentiment":"neutral","sentiment_score":0.027857660360279538}],"sentiment":"neutral","sentiment_score":0.07285215602997615,"num_words":147,"start":697.335,"end":750.65497},{"sentences":[{"text":"Yeah.","start":763.61,"end":763.77,"sentiment":"neutral","sentiment_score":-0.03169330209493637},{"text":"No.","start":763.77,"end":764.27,"sentiment":"neutral","sentiment_score":-0.0908099114894867},{"text":"Yeah.","start":765.45,"end":765.77,"sentiment":"neutral","sentiment_score":-0.024164259433746334},{"text":"No.","start":765.77,"end":765.93,"sentiment":"neutral","sentiment_score":-0.10030201077461244},{"text":"Absolutely.","start":765.93,"end":766.43,"sentiment":"neutral","sentiment_score":0.06730516254901886}],"sentiment":"neutral","sentiment_score":-0.0359328642487526,"num_words":5,"start":763.61,"end":766.43},{"sentences":[{"text":"That's fine.","start":766.57,"end":767.21,"sentiment":"neutral","sentiment_score":0.233784981071949},{"text":"And, look, it's always something we can pick up during, you know, down the line, maybe possibly look at it again.","start":767.21,"end":774.045,"sentiment":"neutral","sentiment_score":0.06029209698594752},{"text":"Yeah.","start":776.985,"end":777.305,"sentiment":"neutral","sentiment_score":0.0885421633720398},{"text":"Absolutely.","start":777.305,"end":777.805,"sentiment":"neutral","sentiment_score":0.08738083392381668},{"text":"Definitely.","start":781.625,"end":782.125,"sentiment":"neutral","sentiment_score":0.021078791469335556}],"sentiment":"neutral","sentiment_score":0.0742579149082303,"num_words":26,"start":766.57,"end":782.125},{"sentences":[{"text":"Yes.","start":783.54004,"end":783.94,"sentiment":"neutral","sentiment_score":0.11091330647468568},{"text":"Yeah.","start":783.94,"end":784.26,"sentiment":"neutral","sentiment_score":0.1340188980102539},{"text":"Yeah.","start":784.26,"end":784.5,"sentiment":"neutral","sentiment_score":0.20549499988555908},{"text":"Absolutely.","start":784.5,"end":785.0,"sentiment":"positive","sentiment_score":0.3453918993473053},{"text":"We can we can investigate other areas.","start":785.14,"end":787.06,"sentiment":"neutral","sentiment_score":0.28143325660909924}],"sentiment":"neutral","sentiment_score":0.2514410818164999,"num_words":11,"start":783.54004,"end":787.06},{"sentences":[{"text":"We can do slight changes to how the portfolio sits and how it works.","start":787.06,"end":791.0,"sentiment":"neutral","sentiment_score":0.22974431834050588},{"text":"Now, like like myself, you you have three children, don't you?","start":792.82,"end":802.90497,"sentiment":"neutral","sentiment_score":0.028395287861878223},{"text":"One child who is three.","start":805.045,"end":806.485,"sentiment":"neutral","sentiment_score":0.0018786670640110969},{"text":"Sorry.","start":806.485,"end":806.985,"sentiment":"neutral","sentiment_score":-0.060878247022628784},{"text":"I read that wrong.","start":807.14,"end":811.62,"sentiment":"neutral","sentiment_score":-0.08073814585804939}],"sentiment":"neutral","sentiment_score":0.09012374651751348,"num_words":35,"start":787.06,"end":811.62},{"sentences":[{"text":"Perfect.","start":811.62,"end":812.12,"sentiment":"neutral","sentiment_score":0.2395301908254623},{"text":"One child who's three.","start":812.26,"end":813.72,"sentiment":"neutral","sentiment_score":0.017914977855980396},{"text":"Three is a terrible age and also a perfectly beautiful age all at the same time, isn't it?","start":813.86,"end":818.6,"sentiment":"neutral","sentiment_score":-0.2179875916077031},{"text":"Yeah.","start":820.945,"end":821.445,"sentiment":"neutral","sentiment_score":0.22134807705879211},{"text":"I know.","start":822.465,"end":822.945,"sentiment":"neutral","sentiment_score":0.29601410031318665}],"sentiment":"neutral","sentiment_score":-0.10766193342323487,"num_words":26,"start":811.62,"end":822.945},{"sentences":[{"text":"It's it's gorgeous.","start":822.945,"end":823.825,"sentiment":"positive","sentiment_score":0.6048477490743002},{"text":"My youngest is five now, so I'm kind of over that that learn I mean, they always learn, but I'm over that, you know, little learning stage, and I'm onto the school stages, which is just a headache all on its own.","start":823.825,"end":837.87006,"sentiment":"neutral","sentiment_score":0.0591478267950671},{"text":"Oh, completely different experience, very much so.","start":843.53,"end":846.75,"sentiment":"neutral","sentiment_score":-0.0023191055016858237},{"text":"Okay.","start":847.69,"end":848.09,"sentiment":"neutral","sentiment_score":0.3031662702560425},{"text":"Perfect.","start":848.09,"end":848.59,"sentiment":"positive","sentiment_score":0.4889747202396393}],"sentiment":"neutral","sentiment_score":0.09397517082591851,"num_words":54,"start":822.945,"end":848.59},{"sentences":[{"text":"So with I guess, back to the investing side of things.","start":848.65,"end":851.885,"sentiment":"neutral","sentiment_score":0.1391180990771814},{"text":"With the investing side of things, we're looking at, like, high aggressive investments, no not going into geared, but we wanna still focus on our reduced cost.","start":851.885,"end":859.485,"sentiment":"neutral","sentiment_score":0.17880211577371316},{"text":"So we're looking sort of a a little bit towards the ETF route with maybe a little bit of, like, a mix in with our managed funds, something like that just to keep things spicy.","start":859.485,"end":869.44,"sentiment":"neutral","sentiment_score":0.21429347736494883},{"text":"Are there any other areas of advice that you wanna look at that's outside the superannuation realm?","start":871.5,"end":877.18,"sentiment":"neutral","sentiment_score":0.08428338323445882},{"text":"Do you have any personal goals that you and your family are aiming towards with respect to where you currently sit?","start":877.18,"end":883.935,"sentiment":"neutral","sentiment_score":0.09555871820165998}],"sentiment":"neutral","sentiment_score":0.1558358425291272,"num_words":111,"start":848.65,"end":883.935},{"sentences":[{"text":"You know, anything that you guys are aiming to to achieve, pay the mortgage off, pay the credit card sorry, car loan off, anything like that?","start":885.515,"end":894.415,"sentiment":"neutral","sentiment_score":0.009593960972359547},{"text":"Yeah.","start":903.79004,"end":904.29004,"sentiment":"neutral","sentiment_score":-0.10690374672412872},{"text":"Yeah.","start":922.45996,"end":922.95996,"sentiment":"neutral","sentiment_score":0.025268949568271637},{"text":"Yep.","start":943.29,"end":943.79,"sentiment":"neutral","sentiment_score":0.034854765981435776},{"text":"Okay.","start":946.17,"end":946.49,"sentiment":"neutral","sentiment_score":0.03798115253448486}],"sentiment":"neutral","sentiment_score":0.008021470221380392,"num_words":30,"start":885.515,"end":946.49},{"sentences":[{"text":"And how much does she earn at the moment?","start":946.49,"end":948.35004,"sentiment":"neutral","sentiment_score":0.043573091427485146},{"text":"Okay.","start":954.33,"end":954.83,"sentiment":"neutral","sentiment_score":0.04497206211090088},{"text":"Okay.","start":960.63495,"end":961.13495,"sentiment":"neutral","sentiment_score":0.2661648690700531},{"text":"Alright.","start":963.19495,"end":963.595,"sentiment":"neutral","sentiment_score":0.1332637071609497},{"text":"So she's quite underpaid.","start":963.595,"end":965.13495,"sentiment":"neutral","sentiment_score":-0.0893483180552721}],"sentiment":"neutral","sentiment_score":0.02994782431051135,"num_words":16,"start":946.49,"end":965.13495},{"sentences":[{"text":"Yeah.","start":973.85,"end":974.35,"sentiment":"neutral","sentiment_score":0.30801209807395935},{"text":"Yeah.","start":975.37,"end":975.76996,"sentiment":"neutral","sentiment_score":0.2930483818054199},{"text":"Yeah.","start":975.76996,"end":976.08997,"sentiment":"neutral","sentiment_score":0.2542262077331543},{"text":"And with with a kid at home, it sometimes the flexibility is nice as well.","start":976.08997,"end":979.87,"sentiment":"positive","sentiment_score":0.3748576124509176},{"text":"Alright.","start":979.93,"end":980.43,"sentiment":"positive","sentiment_score":0.583098292350769}],"sentiment":"positive","sentiment_score":0.3716446929856351,"num_words":19,"start":973.85,"end":980.43},{"sentences":[{"text":"Absolutely.","start":982.445,"end":982.945,"sentiment":"positive","sentiment_score":0.5232511758804321},{"text":"Now the money that we're saving at the moment, because, as I understand, we're putting sort of 500 to $1,000 away each week.","start":983.325,"end":990.145,"sentiment":"neutral","sentiment_score":0.15387730689152426},{"text":"Are we directing that towards anything specific?","start":990.525,"end":993.005,"sentiment":"neutral","sentiment_score":0.07043158688715526},{"text":"Are we usually utilizing that to pay off the car loan more aggressively?","start":993.005,"end":998.5,"sentiment":"neutral","sentiment_score":0.0752293562086729},{"text":"Are we just putting it in the offset account?","start":999.6,"end":1001.54,"sentiment":"neutral","sentiment_score":0.039482705709007054}],"sentiment":"neutral","sentiment_score":0.11110898725829034,"num_words":53,"start":982.445,"end":1001.54},{"sentences":[{"text":"Is it going away for a holiday?","start":1002.88,"end":1004.57996,"sentiment":"neutral","sentiment_score":0.025887640991381237},{"text":"Is there anything that that money is specifically being targeted towards?","start":1004.63995,"end":1007.69995,"sentiment":"neutral","sentiment_score":0.038193062794479454},{"text":"Yep.","start":1018.885,"end":1019.385,"sentiment":"neutral","sentiment_score":0.0702536404132843},{"text":"Yeah.","start":1034.835,"end":1035.335,"sentiment":"neutral","sentiment_score":0.06424133479595184},{"text":"Okay.","start":1039.1549,"end":1039.6549,"sentiment":"neutral","sentiment_score":0.0480678528547287}],"sentiment":"neutral","sentiment_score":0.03732857170204321,"num_words":21,"start":1002.88,"end":1039.6549},{"sentences":[{"text":"No.","start":1042.755,"end":1042.995,"sentiment":"neutral","sentiment_score":-0.0467982143163681},{"text":"That's okay.","start":1042.995,"end":1043.815,"sentiment":"neutral","sentiment_score":-0.020449643954634666},{"text":"Alright.","start":1044.37,"end":1044.69,"sentiment":"neutral","sentiment_score":0.06620483100414276},{"text":"No.","start":1044.69,"end":1044.9299,"sentiment":"neutral","sentiment_score":0.06557910144329071},{"text":"That's perfect.","start":1044.9299,"end":1045.6699,"sentiment":"neutral","sentiment_score":0.22311141341924667}],"sentiment":"neutral","sentiment_score":0.07004417958004135,"num_words":7,"start":1042.755,"end":1045.6699},{"sentences":[{"text":"So with the money that you're saving, you you're directing it to to different avenues already.","start":1045.89,"end":1052.15,"sentiment":"neutral","sentiment_score":0.1798568433150649},{"text":"Is, I guess, additional contribution something that you would be interested in, given that you are sitting on a higher ish income, or are we happy to just keep saving where we're currently saving?","start":1053.33,"end":1064.225,"sentiment":"neutral","sentiment_score":0.11120009531869608},{"text":"Yeah.","start":1074.5399,"end":1075.0399,"sentiment":"neutral","sentiment_score":0.04972272366285324},{"text":"Yep.","start":1077.8999,"end":1078.3999,"sentiment":"neutral","sentiment_score":0.02640562877058983},{"text":"Yeah.","start":1078.94,"end":1079.26,"sentiment":"neutral","sentiment_score":0.029741309583187103}],"sentiment":"neutral","sentiment_score":0.12762985652628936,"num_words":53,"start":1045.89,"end":1079.26},{"sentences":[{"text":"I am registered in in being able to I'm obviously not an accountant level.","start":1079.26,"end":1082.88,"sentiment":"neutral","sentiment_score":0.025326499116740057},{"text":"There are some limitations.","start":1083.82,"end":1085.12,"sentiment":"negative","sentiment_score":-0.35623371601104736},{"text":"Like, I can't do your tax return or your BAS statement, but I can definitely talk about tax.","start":1085.34,"end":1090.535,"sentiment":"neutral","sentiment_score":-0.32630226926671135},{"text":"Yeah.","start":1091.155,"end":1091.655,"sentiment":"neutral","sentiment_score":-0.023317627608776093},{"text":"Yeah.","start":1095.9551,"end":1096.3551,"sentiment":"neutral","sentiment_score":-0.07133448868989944}],"sentiment":"neutral","sentiment_score":-0.1852225484081397,"num_words":38,"start":1079.26,"end":1096.3551},{"sentences":[{"text":"No.","start":1096.3551,"end":1096.5951,"sentiment":"neutral","sentiment_score":-0.14544910192489624},{"text":"Definitely.","start":1096.5951,"end":1097.0951,"sentiment":"neutral","sentiment_score":-0.02850922755897045},{"text":"So I guess the biggest the biggest question with any kind of, I guess, tax advice and investing comes down to, first and foremost, do you want the funds to be accessible to you immediately?","start":1099.25,"end":1112.3899,"sentiment":"neutral","sentiment_score":-0.007506616200719561},{"text":"So let's just say we do go and invest money.","start":1112.885,"end":1115.0651,"sentiment":"neutral","sentiment_score":0.16827226430177689},{"text":"Do you want those funds to be accessible to you, or are you happy to, say, put them into your superannuation where they're they're preserved and you can't touch them?","start":1116.245,"end":1127.305,"sentiment":"neutral","sentiment_score":0.0732748136545221}],"sentiment":"neutral","sentiment_score":0.04473087215771923,"num_words":77,"start":1096.3551,"end":1127.305},{"sentences":[{"text":"Yeah.","start":1140.9249,"end":1141.1649,"sentiment":"neutral","sentiment_score":0.16597893834114075},{"text":"Okay.","start":1141.1649,"end":1141.6649,"sentiment":"positive","sentiment_score":0.35908299684524536},{"text":"Perfect.","start":1141.725,"end":1142.225,"sentiment":"positive","sentiment_score":0.5359464287757874},{"text":"I guess the last question I probably have is because you do have a kid, you have a three year old, and we know that children cost money.","start":1143.325,"end":1150.945,"sentiment":"neutral","sentiment_score":0.1354793860976185},{"text":"I have three, so trust me.","start":1151.565,"end":1153.1649,"sentiment":"neutral","sentiment_score":0.16405325631300607}],"sentiment":"neutral","sentiment_score":0.15780407331279805,"num_words":37,"start":1140.9249,"end":1153.1649},{"sentences":[{"text":"They cost a lot of money.","start":1153.1649,"end":1154.465,"sentiment":"neutral","sentiment_score":0.07290211692452431},{"text":"Do you wanna look at maybe putting, like, a savings account together for your kid?","start":1156.3401,"end":1163.0,"sentiment":"neutral","sentiment_score":0.22135821630557379},{"text":"Something that you could maybe tax effectively have as an avenue to be able to as an avenue to be able to, like, maybe put money away for them to buy their first car or put money away for them to have a savings account for a house deposit for themselves in the future.","start":1163.3,"end":1182.0249,"sentiment":"neutral","sentiment_score":0.2850388899721481},{"text":"Something that maybe is locked away so you can't touch it.","start":1182.0249,"end":1185.705,"sentiment":"neutral","sentiment_score":-0.11893760209733789},{"text":"Something that's a little bit, I guess, there for them.","start":1185.705,"end":1189.7001,"sentiment":"neutral","sentiment_score":-0.09344389699399472}],"sentiment":"neutral","sentiment_score":0.17611597303766757,"num_words":96,"start":1153.1649,"end":1189.7001},{"sentences":[{"text":"No.","start":1193.2001,"end":1193.52,"sentiment":"neutral","sentiment_score":-0.1849132478237152},{"text":"That's okay.","start":1193.52,"end":1194.26,"sentiment":"neutral","sentiment_score":-0.004957996308803558},{"text":"Yeah.","start":1197.6001,"end":1198.1001,"sentiment":"neutral","sentiment_score":0.19589437544345856},{"text":"Look.","start":1198.56,"end":1198.8,"sentiment":"neutral","sentiment_score":0.17834632098674774},{"text":"It can just be it can just be that.","start":1198.8,"end":1200.165,"sentiment":"neutral","sentiment_score":0.16281817853450775}],"sentiment":"neutral","sentiment_score":0.11748393305710383,"num_words":14,"start":1193.2001,"end":1200.165},{"sentences":[{"text":"It's an open ended question, and it doesn't have to be something that you need to have an answer for now.","start":1200.165,"end":1204.8251,"sentiment":"neutral","sentiment_score":0.05228806499923978},{"text":"Realistically, if we enter into an ongoing relationship moving forward and and, you know, and I give you advice each year as we as we move through, because realistically, that's what would happen, is we would enter into a a relationship and I would contact you yearly at a minimum, and we would be able to go through conversations like this, possibly even speak to your wife down the line and look at, you know, doing advice together, And whether that advice looks like, you know, purchasing investment properties or looking at savings accounts for, you know, your child right now and maybe future kids down the line, we could look at doing that.","start":1204.885,"end":1239.2649,"sentiment":"neutral","sentiment_score":0.22937071349537164},{"text":"It doesn't have to be.","start":1239.2649,"end":1240.41,"sentiment":"neutral","sentiment_score":0.24100271761417388},{"text":"We don't have to do everything in one conversation.","start":1240.5701,"end":1243.7101,"sentiment":"neutral","sentiment_score":0.1398890498611662},{"text":"Sometimes things can be two to three to five years down the line that we we look at.","start":1243.93,"end":1248.41,"sentiment":"neutral","sentiment_score":0.18328456580638885}],"sentiment":"neutral","sentiment_score":0.19766136481911836,"num_words":167,"start":1200.165,"end":1248.41},{"sentences":[{"text":"But sometimes it's just good to have that question or for me to ask that question to for you to start thinking about it as something for you to consider.","start":1248.41,"end":1255.55,"sentiment":"positive","sentiment_score":0.3966515863935153},{"text":"Cool.","start":1258.8151,"end":1259.135,"sentiment":"positive","sentiment_score":0.5173047184944153},{"text":"Because a a lot of parents will set up what's called like a a a Commonwealth Kidsaver account.","start":1259.135,"end":1264.495,"sentiment":"positive","sentiment_score":0.35333985255824196},{"text":"You know, they'll chuck $10 a week into the account and money just sits there earning absolutely nothing.","start":1264.495,"end":1269.555,"sentiment":"neutral","sentiment_score":0.08802573548422919},{"text":"And sometimes it's just better to look at a different avenue than, you know, just having a bank account that's not really earning too much.","start":1269.935,"end":1276.13,"sentiment":"neutral","sentiment_score":0.04053146411664784}],"sentiment":"neutral","sentiment_score":0.2323339075867451,"num_words":92,"start":1248.41,"end":1276.13},{"sentences":[{"text":"So I just wanted to I always like asking those questions.","start":1276.13,"end":1279.11,"sentiment":"neutral","sentiment_score":0.2427369640632109},{"text":"I because I've been in the industry for ten years, have did exactly that.","start":1279.17,"end":1284.265,"sentiment":"neutral","sentiment_score":0.1760667370898383},{"text":"I've set up bank accounts for my kids.","start":1284.265,"end":1285.9451,"sentiment":"neutral","sentiment_score":0.1775250993669033},{"text":"My eldest is 13, so he he'll be buying a car.","start":1285.9451,"end":1289.965,"sentiment":"neutral","sentiment_score":0.10976474528962915},{"text":"Scary, but he buys a car in just a few more years, and he's already got the money sitting there ready to go.","start":1290.505,"end":1295.405,"sentiment":"neutral","sentiment_score":0.12917068600654602}],"sentiment":"neutral","sentiment_score":0.16020268201828003,"num_words":67,"start":1276.13,"end":1295.405},{"sentences":[{"text":"Yeah.","start":1295.9501,"end":1296.4501,"sentiment":"neutral","sentiment_score":0.18259041011333463},{"text":"Trust me.","start":1296.67,"end":1297.15,"sentiment":"neutral","sentiment_score":0.18629621714353561},{"text":"You blink it away.","start":1297.15,"end":1298.11,"sentiment":"neutral","sentiment_score":0.0765729583799839},{"text":"I remember when my kid my I remember when my eldest was three.","start":1298.11,"end":1301.3301,"sentiment":"neutral","sentiment_score":0.10088042685618767},{"text":"Decade goes pretty quick.","start":1301.55,"end":1303.3301,"sentiment":"neutral","sentiment_score":0.2667384222149849}],"sentiment":"neutral","sentiment_score":0.13499474649628004,"num_words":24,"start":1295.9501,"end":1303.3301},{"sentences":[{"text":"Yeah, okay.","start":1312.045,"end":1312.9451,"sentiment":"neutral","sentiment_score":0.15302088111639023},{"text":"No.","start":1314.685,"end":1315.005,"sentiment":"neutral","sentiment_score":-0.10280799865722656},{"text":"That's okay.","start":1315.005,"end":1315.8251,"sentiment":"neutral","sentiment_score":0.0812452423851937},{"text":"If we were to open an account, how much would you wanna put in from an initial point of view?","start":1317.005,"end":1321.885,"sentiment":"neutral","sentiment_score":0.037366958893835546},{"text":"I can we obviously have the money sitting in the offset.","start":1321.885,"end":1325.03,"sentiment":"neutral","sentiment_score":0.03581646033986048}],"sentiment":"neutral","sentiment_score":0.041862346943364374,"num_words":36,"start":1312.045,"end":1325.03},{"sentences":[{"text":"Would you be willing to contribute some of the money in the offset, say, 2 to 5,000 to open an account and then, say, put $10 a week into that that fund, or what would you sort of what would be the parameters that you would look at investing under that?","start":1325.03,"end":1339.21,"sentiment":"neutral","sentiment_score":0.04945278715561418},{"text":"Yep.","start":1348.9349,"end":1349.4349,"sentiment":"neutral","sentiment_score":0.01023430936038494},{"text":"Yep.","start":1351.6549,"end":1352.1549,"sentiment":"neutral","sentiment_score":0.004949288442730904},{"text":"Yeah.","start":1356.92,"end":1357.3201,"sentiment":"neutral","sentiment_score":-0.07789811491966248},{"text":"So we don't wanna we don't wanna, I guess, do anything to affect paying off the home loan.","start":1357.3201,"end":1363.0,"sentiment":"neutral","sentiment_score":-0.18844964272446102}],"sentiment":"neutral","sentiment_score":-0.01295438807250725,"num_words":72,"start":1325.03,"end":1363.0},{"sentences":[{"text":"Yeah.","start":1363.0,"end":1363.5,"sentiment":"neutral","sentiment_score":0.0014463607221841812},{"text":"Yes.","start":1371.0951,"end":1371.495,"sentiment":"neutral","sentiment_score":0.05881448835134506},{"text":"Yeah.","start":1371.495,"end":1371.8151,"sentiment":"neutral","sentiment_score":0.05901838093996048},{"text":"Yeah.","start":1371.8151,"end":1372.2151,"sentiment":"neutral","sentiment_score":0.0722040981054306},{"text":"Definitely.","start":1372.2151,"end":1372.7151,"sentiment":"neutral","sentiment_score":0.12976710498332977}],"sentiment":"neutral","sentiment_score":0.06425008662045002,"num_words":5,"start":1363.0,"end":1372.7151},{"sentences":[{"text":"We can we can look at different strategies to make sure that we're paying off the home loan as we move through.","start":1372.8551,"end":1377.8151,"sentiment":"neutral","sentiment_score":0.06998181495476853},{"text":"We can look at budgeting and how we can better budget for the home loan.","start":1377.8151,"end":1382.27,"sentiment":"neutral","sentiment_score":0.05243583768606186},{"text":"But, again, not something we we look at biting into initially.","start":1382.27,"end":1386.43,"sentiment":"neutral","sentiment_score":0.0064980941401286555},{"text":"We kind of we step it out each year to kind of add a different area or layer of advice as we move through.","start":1386.43,"end":1392.77,"sentiment":"neutral","sentiment_score":0.04938263585790992},{"text":"Perfect.","start":1395.8351,"end":1396.155,"sentiment":"positive","sentiment_score":0.4626377820968628}],"sentiment":"neutral","sentiment_score":0.05541695304827331,"num_words":73,"start":1372.8551,"end":1396.155},{"sentences":[{"text":"Alright.","start":1396.155,"end":1396.555,"sentiment":"neutral","sentiment_score":0.3277004063129425},{"text":"Cool.","start":1396.555,"end":1396.875,"sentiment":"neutral","sentiment_score":0.3302905559539795},{"text":"So $50 a week is what we sort of look at to to contribute towards can I ask what your child's name is?","start":1396.875,"end":1403.675,"sentiment":"neutral","sentiment_score":0.08292836825484814},{"text":"So that way I I stop referring to them as your child.","start":1403.675,"end":1406.3351,"sentiment":"neutral","sentiment_score":-0.005142512420813243},{"text":"No n o r a?","start":1407.57,"end":1409.11,"sentiment":"neutral","sentiment_score":-0.029319784417748452}],"sentiment":"neutral","sentiment_score":0.056119865737855434,"num_words":42,"start":1396.155,"end":1409.11},{"sentences":[{"text":"Nora.","start":1412.13,"end":1412.61,"sentiment":"neutral","sentiment_score":0.08037836849689484},{"text":"Perfect.","start":1412.61,"end":1413.11,"sentiment":"positive","sentiment_score":0.4636971056461334},{"text":"Beautiful.","start":1413.41,"end":1413.91,"sentiment":"positive","sentiment_score":0.498563289642334},{"text":"Alright.","start":1415.09,"end":1415.59,"sentiment":"neutral","sentiment_score":0.2276858538389206},{"text":"So yeah.","start":1415.65,"end":1417.41,"sentiment":"neutral","sentiment_score":0.08815908432006836}],"sentiment":"neutral","sentiment_score":0.24110713104406992,"num_words":6,"start":1412.13,"end":1417.41},{"sentences":[{"text":"So, you know, put $50 per week away from Nora, and then we look at, I guess, having a look at where we can go with our superannuation.","start":1417.41,"end":1424.715,"sentiment":"neutral","sentiment_score":0.012629932125232049},{"text":"The one thing I think I've probably noticed glaringly was it looks like you've obviously increased your life insurance with Australian Super to a million dollars, but your total permanent disability insurance is still really low.","start":1425.575,"end":1440.18,"sentiment":"neutral","sentiment_score":-0.3273252786861526},{"text":"Was that intentional, or was it you it just wasn't sort of something that you thought of at the time?","start":1441.04,"end":1447.14,"sentiment":"neutral","sentiment_score":-0.2479012668132782},{"text":"Yes.","start":1453.775,"end":1454.275,"sentiment":"neutral","sentiment_score":0.0020922599360346794},{"text":"One one one one one.","start":1455.135,"end":1456.755,"sentiment":"neutral","sentiment_score":-0.01177185345441103}],"sentiment":"neutral","sentiment_score":-0.18272071418662866,"num_words":90,"start":1417.41,"end":1456.755},{"sentences":[{"text":"One million.","start":1457.215,"end":1458.015,"sentiment":"neutral","sentiment_score":0.004793940111994743},{"text":"Yeah.","start":1458.015,"end":1458.515,"sentiment":"neutral","sentiment_score":0.012241562828421593},{"text":"Your total yeah.","start":1461.23,"end":1463.39,"sentiment":"neutral","sentiment_score":-0.012783450695375601},{"text":"The disability cover sits at fifty six fifty seven thousand.","start":1463.39,"end":1467.07,"sentiment":"neutral","sentiment_score":-0.047259651310741904},{"text":"Sorry.","start":1467.07,"end":1467.57,"sentiment":"neutral","sentiment_score":-0.14043007791042328}],"sentiment":"neutral","sentiment_score":-0.03703220588538576,"num_words":17,"start":1457.215,"end":1467.57},{"sentences":[{"text":"Yeah.","start":1495.26,"end":1495.58,"sentiment":"neutral","sentiment_score":-0.03483833372592926},{"text":"I have no.","start":1495.58,"end":1498.7949,"sentiment":"neutral","sentiment_score":-0.07471700509389241},{"text":"I just no.","start":1498.7949,"end":1500.395,"sentiment":"neutral","sentiment_score":-0.10690370202064514},{"text":"Just just the details that we obtained from our super.","start":1500.395,"end":1504.1749,"sentiment":"neutral","sentiment_score":-0.007403490599244833},{"text":"Yeah.","start":1504.635,"end":1505.0349,"sentiment":"neutral","sentiment_score":-0.001832430250942707}],"sentiment":"neutral","sentiment_score":-0.0364204328507185,"num_words":18,"start":1495.26,"end":1505.0349},{"sentences":[{"text":"And life.","start":1505.0349,"end":1514.4299,"sentiment":"neutral","sentiment_score":-0.05356295686215162},{"text":"That's a life.","start":1516.1699,"end":1517.07,"sentiment":"neutral","sentiment_score":-0.055712959418694176},{"text":"No.","start":1518.73,"end":1518.89,"sentiment":"neutral","sentiment_score":-0.11473003029823305},{"text":"That's okay.","start":1518.89,"end":1519.71,"sentiment":"neutral","sentiment_score":-0.030370308086276054},{"text":"Cool.","start":1519.77,"end":1520.25,"sentiment":"neutral","sentiment_score":0.12441272288560867}],"sentiment":"neutral","sentiment_score":-0.03614696839617358,"num_words":9,"start":1505.0349,"end":1520.25},{"sentences":[{"text":"So what I'll look at is I'll look at different avenues for, like, life insurance, total permanent disability, to see what we can get in that realm because I am concerned that if you were never able to work again, so let's just say you suffered a severe stroke because your job is obviously very mind based, it requires you to be attentive, switched on, and capable of doing your the tasks.","start":1520.25,"end":1542.98,"sentiment":"neutral","sentiment_score":-0.1352504104272359},{"text":"If you were no longer able to do your job, your family's gonna get paid out $57,000, which is taxed at 22%, which means that your wife is gonna be left with a very large mortgage.","start":1543.52,"end":1555.955,"sentiment":"negative","sentiment_score":-0.43500975436634487},{"text":"But your car loan's gonna be paid off, so happy days.","start":1556.575,"end":1559.315,"sentiment":"negative","sentiment_score":-0.40669259970838373},{"text":"It just it very sarcastically saying it's not gonna be enough to cover what we need.","start":1560.175,"end":1564.895,"sentiment":"negative","sentiment_score":-0.6867429651319981},{"text":"So, yeah, so what I'm gonna look down I'll look at avenues down that line to see what we have available to us in the insurance scope to see whether we can, you know, a, beat it, meet it.","start":1564.895,"end":1577.895,"sentiment":"neutral","sentiment_score":0.029428456456233293}],"sentiment":"neutral","sentiment_score":-0.22823090198310628,"num_words":174,"start":1520.25,"end":1577.895},{"sentences":[{"text":"I can do quotes up under AustralianSuper as well to make sure I'm obviously considering that from an increased perspective and go from there.","start":1578.055,"end":1584.135,"sentiment":"neutral","sentiment_score":0.10855722023795049},{"text":"I think the only thing I Yeah.","start":1584.135,"end":1596.41,"sentiment":"neutral","sentiment_score":0.011571625247597694},{"text":"Yeah.","start":1597.27,"end":1597.75,"sentiment":"neutral","sentiment_score":0.007965381257236004},{"text":"Yeah.","start":1597.75,"end":1598.15,"sentiment":"neutral","sentiment_score":0.002755323424935341},{"text":"They would have just they would you would have had to answer probably four questions, and it would have been your age, your occupation, and, you know, are you sick and dying, basically, is the questions they ask.","start":1598.15,"end":1609.095,"sentiment":"neutral","sentiment_score":-0.0965913426327078}],"sentiment":"neutral","sentiment_score":-0.013709516238263796,"num_words":71,"start":1578.055,"end":1609.095},{"sentences":[{"text":"Really limited scope.","start":1609.315,"end":1610.615,"sentiment":"neutral","sentiment_score":-0.27261461814244586},{"text":"So yeah.","start":1611.5549,"end":1612.115,"sentiment":"neutral","sentiment_score":-0.02447826135903597},{"text":"So I'll I'll have a look at at where we land with their cover if we did increase it, and then I'll have a look at the open market and see what's available to us in that realm.","start":1612.115,"end":1621.26,"sentiment":"neutral","sentiment_score":0.042546215418138},{"text":"Are you you're obviously comfortable with the million dollars kind of area because that leaves you debt free.","start":1621.3999,"end":1626.62,"sentiment":"neutral","sentiment_score":-0.00411220376069347},{"text":"Would you wanna look at anything additional to the million, or is a million sort of where your where your comfort level sits?","start":1627.08,"end":1633.26,"sentiment":"neutral","sentiment_score":-0.0004858083582645201}],"sentiment":"neutral","sentiment_score":0.00791383986680081,"num_words":84,"start":1609.315,"end":1633.26},{"sentences":[{"text":"Yeah.","start":1637.455,"end":1637.855,"sentiment":"neutral","sentiment_score":-0.009418025612831116},{"text":"No.","start":1637.855,"end":1638.355,"sentiment":"neutral","sentiment_score":-0.1358579695224762},{"text":"Perfect.","start":1638.4149,"end":1638.9149,"sentiment":"neutral","sentiment_score":-0.01827869564294815},{"text":"I would never I'd I never wanna over insure someone, but at the same time, I'm very realistic.","start":1638.975,"end":1644.995,"sentiment":"neutral","sentiment_score":-0.12583201130231222},{"text":"If anything happens to you, you'll you know, is your wife able to live comfortably with a house paid off and let's just say it's gonna be sort of, like, $300,000 left in the bank?","start":1645.7749,"end":1656.78,"sentiment":"neutral","sentiment_score":-0.0520731536139335}],"sentiment":"neutral","sentiment_score":-0.07591234411977764,"num_words":56,"start":1637.455,"end":1656.78},{"sentences":[{"text":"By the time the house is paid off, you know, possibly sell your car, your superannuation pays out.","start":1657.3201,"end":1662.76,"sentiment":"neutral","sentiment_score":-0.08244965453114775},{"text":"She'll have $300,000 left in the bank.","start":1662.76,"end":1664.86,"sentiment":"neutral","sentiment_score":-0.05495774393369045},{"text":"That gives her, say, three, four years that she can take off work to sort of figure out what her normal is and just live off the that savings.","start":1665.135,"end":1674.115,"sentiment":"neutral","sentiment_score":0.051970271971719016},{"text":"Is that for your family, is that something that you're comfortable doing?","start":1674.495,"end":1677.635,"sentiment":"neutral","sentiment_score":0.12285661386946838},{"text":"Perfect.","start":1682.2,"end":1682.7,"sentiment":"positive","sentiment_score":0.6089136600494385}],"sentiment":"neutral","sentiment_score":0.02569452126218534,"num_words":67,"start":1657.3201,"end":1682.7},{"sentences":[{"text":"Yeah.","start":1683.24,"end":1683.5599,"sentiment":"neutral","sentiment_score":0.29848459362983704},{"text":"Cool.","start":1683.5599,"end":1683.7999,"sentiment":"positive","sentiment_score":0.5813372135162354},{"text":"So a million dollars is where our comfort level sits a 100%.","start":1683.7999,"end":1686.62,"sentiment":"positive","sentiment_score":0.5825475255648295},{"text":"Amazing.","start":1686.76,"end":1687.1599,"sentiment":"positive","sentiment_score":0.7597437500953674},{"text":"So I'll look at that area of of advice as well.","start":1687.1599,"end":1690.22,"sentiment":"positive","sentiment_score":0.4056480960412459}],"sentiment":"positive","sentiment_score":0.5035486507874268,"num_words":26,"start":1683.24,"end":1690.22},{"sentences":[{"text":"I'll look at the child savings strategy as well, and then we can go from there with regards to how we kind of, I guess, put it all together and how it work for us.","start":1690.52,"end":1701.7949,"sentiment":"positive","sentiment_score":0.3754485641207014},{"text":"Obviously, as we move through, again, working together ongoing, we can pull your wife in and we can we can have a chat to her about, you know, where together as a couple, where we're on track for, see whether any other areas of advice that we might wanna look at, investment properties, investment accounts, so on and so forth, and and work from there moving forward.","start":1702.8949,"end":1724.2949,"sentiment":"neutral","sentiment_score":0.15237540039998382},{"text":"Alright?","start":1724.6749,"end":1725.1749,"sentiment":"neutral","sentiment_score":0.05504652112722397},{"text":"No.","start":1734.97,"end":1735.21,"sentiment":"neutral","sentiment_score":-0.012402793392539024},{"text":"So there is so there's there's basically two ways that you can invest.","start":1735.21,"end":1739.7899,"sentiment":"neutral","sentiment_score":0.02096394907969695}],"sentiment":"neutral","sentiment_score":0.20226518492986503,"num_words":117,"start":1690.52,"end":1739.7899},{"sentences":[{"text":"You can invest in what's called an APRA, a p r a, regulated fund, which is like your Australian super, your, you know, or super, your retail funds, everything like that, or you can invest in what's called a self managed super fund, which, obviously, you would know about.","start":1739.85,"end":1755.3151,"sentiment":"neutral","sentiment_score":0.03501652722836149},{"text":"A self managed super fund is and does operate the way the same way that a APRA fund regulates.","start":1756.0951,"end":1762.1951,"sentiment":"neutral","sentiment_score":0.062268355175068506},{"text":"However, you become the trustee.","start":1763.055,"end":1765.61,"sentiment":"neutral","sentiment_score":0.019814348220825194},{"text":"So you are required to deal with all of the regulatory mandates for the fund.","start":1765.75,"end":1771.85,"sentiment":"neutral","sentiment_score":0.020126549651225407},{"text":"You have to report.","start":1771.99,"end":1773.03,"sentiment":"neutral","sentiment_score":0.017558804247528315}],"sentiment":"neutral","sentiment_score":0.03663167158020255,"num_words":92,"start":1739.85,"end":1773.03},{"sentences":[{"text":"You have to audit, so on and so forth.","start":1773.03,"end":1775.37,"sentiment":"neutral","sentiment_score":0.029057573941018846},{"text":"But, essentially, under that that fund, you would have merged monies.","start":1775.8301,"end":1781.315,"sentiment":"neutral","sentiment_score":0.06051642583175139},{"text":"So you could merge both of the superannuation funds into one, and you could then utilize the funds together to invest, buy a property, so on and so forth, underneath the SMSF.","start":1781.535,"end":1794.195,"sentiment":"neutral","sentiment_score":0.09996069618500769},{"text":"There's still two technical accounts.","start":1795.77,"end":1797.87,"sentiment":"neutral","sentiment_score":0.02557998225092888},{"text":"I can definitely set up an SMSF.","start":1799.37,"end":1801.31,"sentiment":"positive","sentiment_score":0.5095393700259072}],"sentiment":"neutral","sentiment_score":0.12219713482772931,"num_words":64,"start":1773.03,"end":1801.31},{"sentences":[{"text":"It would require me to talk to both of you to go down that avenue to be able to enter into something like an SMSF transaction.","start":1802.49,"end":1812.4451,"sentiment":"neutral","sentiment_score":0.20926466068396202},{"text":"Because if we're looking at an SMSF, we're looking at two people.","start":1813.625,"end":1816.8451,"sentiment":"neutral","sentiment_score":0.018114417946587007},{"text":"I'll be very, very clear that we do not offer an auditing service.","start":1818.105,"end":1821.805,"sentiment":"neutral","sentiment_score":-0.10862917682299247},{"text":"We would engage an accountant or you would engage an accountant to audit the fund, so on and so forth, and do the annual tax returns to the fund.","start":1821.9451,"end":1831.62,"sentiment":"neutral","sentiment_score":-0.023411063027792965},{"text":"So we don't we're not an accountant.","start":1831.68,"end":1833.2,"sentiment":"neutral","sentiment_score":-0.11345618856804711}],"sentiment":"neutral","sentiment_score":0.03187311203058424,"num_words":87,"start":1802.49,"end":1833.2},{"sentences":[{"text":"We don't audit or anything like that.","start":1833.2,"end":1834.56,"sentiment":"neutral","sentiment_score":-0.13649198412895203},{"text":"We can just provide the advice on how to invest and where to go from that.","start":1834.56,"end":1838.3201,"sentiment":"neutral","sentiment_score":0.04251428286079317},{"text":"Yeah.","start":1838.3201,"end":1838.8201,"sentiment":"neutral","sentiment_score":0.03805005177855491},{"text":"So is an SMSF fund something that you are more so leading towards, or do you wanna look at us?","start":1839.9651,"end":1845.025,"sentiment":"neutral","sentiment_score":0.03462161673232913},{"text":"Yeah.","start":1847.005,"end":1847.405,"sentiment":"neutral","sentiment_score":0.07209546864032745}],"sentiment":"neutral","sentiment_score":0.011719166487455367,"num_words":45,"start":1833.2,"end":1847.405},{"sentences":[{"text":"Yeah.","start":1847.405,"end":1847.725,"sentiment":"neutral","sentiment_score":0.06908373534679413},{"text":"Again, sometimes it might be a two to five year plan down the line.","start":1847.725,"end":1851.025,"sentiment":"neutral","sentiment_score":0.07934809529355594},{"text":"Okay.","start":1853.26,"end":1853.66,"sentiment":"positive","sentiment_score":0.48087793588638306},{"text":"Amazing.","start":1853.66,"end":1854.16,"sentiment":"positive","sentiment_score":0.6287338733673096},{"text":"Alright.","start":1854.2201,"end":1854.54,"sentiment":"positive","sentiment_score":0.5232144594192505}],"sentiment":"neutral","sentiment_score":0.1562657410071956,"num_words":18,"start":1847.405,"end":1854.54},{"sentences":[{"text":"Well, I'll start getting things together based on what we've talked about, and we'll be able to go from there.","start":1854.54,"end":1860.8,"sentiment":"positive","sentiment_score":0.41336424350738527},{"text":"But what I can do is is Billy wanted to have a chat to you before I left the call.","start":1861.1001,"end":1868.9451,"sentiment":"neutral","sentiment_score":0.09757591597735882},{"text":"So I'll pop you back over to Billy, and he'll be able to you haven't been Yeah.","start":1869.405,"end":1874.7051,"sentiment":"neutral","sentiment_score":0.0863847186898484},{"text":"Yeah.","start":1877.02,"end":1877.52,"sentiment":"neutral","sentiment_score":0.04804062098264694},{"text":"Yes.","start":1878.3,"end":1878.78,"sentiment":"neutral","sentiment_score":0.05046318471431732}],"sentiment":"neutral","sentiment_score":0.19976012225625878,"num_words":59,"start":1854.54,"end":1878.78},{"sentences":[{"text":"Yes.","start":1878.78,"end":1879.18,"sentiment":"neutral","sentiment_score":0.040569521486759186},{"text":"I'm sorry.","start":1879.18,"end":1880.0,"sentiment":"neutral","sentiment_score":-0.07180239260196686},{"text":"Correct.","start":1882.3,"end":1882.78,"sentiment":"neutral","sentiment_score":-0.010621754452586174},{"text":"Yeah.","start":1882.78,"end":1883.28,"sentiment":"neutral","sentiment_score":-0.07178205251693726},{"text":"Yes.","start":1884.3,"end":1884.7001,"sentiment":"neutral","sentiment_score":0.17321740090847015}],"sentiment":"neutral","sentiment_score":-0.0020369449630379677,"num_words":6,"start":1878.78,"end":1884.7001},{"sentences":[{"text":"Yeah.","start":1884.7001,"end":1884.9401,"sentiment":"neutral","sentiment_score":0.26212430000305176},{"text":"So the next avenue is I go away and start researching things, pull things apart, and have a look at where everything fits from a numbers perspective.","start":1884.9401,"end":1891.52,"sentiment":"neutral","sentiment_score":0.1150943860411644},{"text":"And then I put that together in a document called a statement of advice, and then we get back together and I present that advice to you.","start":1892.515,"end":1899.095,"sentiment":"neutral","sentiment_score":0.256930708333298},{"text":"And yeah.","start":1899.875,"end":1901.155,"sentiment":"neutral","sentiment_score":0.31213435530662537},{"text":"And then once you're happy with it, we implement it all, get it all up and running, and and go from there.","start":1901.155,"end":1906.47,"sentiment":"positive","sentiment_score":0.36497279527512466}],"sentiment":"neutral","sentiment_score":0.24000597537695606,"num_words":79,"start":1884.7001,"end":1906.47},{"sentences":[{"text":"Yeah.","start":1909.03,"end":1909.53,"sentiment":"positive","sentiment_score":0.55484938621521},{"text":"Amazing.","start":1911.11,"end":1911.59,"sentiment":"positive","sentiment_score":0.7555842399597168},{"text":"Give me one moment.","start":1911.59,"end":1912.39,"sentiment":"positive","sentiment_score":0.4781384989619255},{"text":"I'll pop you back over to Billy.","start":1912.39,"end":1913.9299,"sentiment":"positive","sentiment_score":0.39097160526684355},{"text":"Thanks, guys.","start":1920.679,"end":1921.559,"sentiment":"positive","sentiment_score":0.7165809571743011}],"sentiment":"positive","sentiment_score":0.49286338488260906,"num_words":15,"start":1909.03,"end":1921.559},{"sentences":[{"text":"Bye.","start":1921.559,"end":1922.059,"sentiment":"positive","sentiment_score":0.5067062377929688}],"sentiment":"positive","sentiment_score":0.5067062377929688,"num_words":1,"start":1921.559,"end":1922.059}]}}]},{"alternatives":[{"transcript":"Larissa, it's Billy. How are you? Very good. No. That's alright. I've emailed it to you. So it's a little bit of a confusing one just because he was a bit pressed for time. He's actually one that was complete by someone on SGD, but he didn't qualify for them. So he's come over here. I sent you the SGD fact line, and then I've got his updated balance, And he's come out as a high growth investor. Yeah. I sent it to lorissa at yeah. It's it'll be from my Gmail. It'll be from billybrinson@gmail. Yep. I sent it a minute ago. Okay. That's annoying. Alright. Well, do you want me to just do it the ultimate way and explain where his super is? Alright. So he's with Australian Super, a 100% in international shares. He has a 115,000. He works as hang on. Where he is a chartered accountant, and his gross income is a 168,000. Now his expenditure is about 1,500, and he saves anywhere from 500 to 1,000 a week. Looks like he's got a little bit of debt there. He's got about a million dollars in debt, but he obviously has he's got 903,000 debt, 1.3 no assets. He's born in 1991. And I'm just checking for insurances now as well. It looks like he's got a million dollars life insurance, 57,000 PPD, 8,600 per month income protection, and he's paying or it just says $6.55. I'm assuming that's just for one. I'm not a 100% sure on what he's paying. I'll chase it up, though. So I know it's a bit of a stuff around this one. I just he was a little bit pressed for time, so I just wanted to try and get it done quick with him. Oh. Oh, his name's Subin. Harry was the yeah. Harry was the yeah. No. All good. Do you want me to check him over now? Yeah? Are you are you sure? It's up to you. You ready? Alright. Cool. I'll introduce you guys. Bear with me. Steven, you still there? Yep. Mhmm. Yep. Sorry for the hold up there, mate. I've just got Larissa on the line. She's the adviser that I speak so fondly of. But like I said, she's just gonna quickly run you through the next steps. It shouldn't take too long, mate. And then I'll catch up with you quickly after, if that's alright? Alright. No worries. Perfect. Go ahead, Larissa. Hi, Larissa. I'm good. How are you? Yep. Yep. Yes. Yeah. Yeah. So everything's all my expense expenses are into credit card, and then I pay it off at end of the month. That's my job. Yeah. I just wanna get more points, you know, to travel. Yep. Yep. Yeah. Yep. I'm just using superhero just to I don't have much. I just have 2 k, and then I think I have 2 k about 2 k in CommBank. What's that called? Pockets. Yeah. Com CommSec. Yeah. And, yeah, it's a mix of shares, and I've also in, I think, a few ETFs. Yeah. Yep. Yep. Yeah. Yeah. Exactly. Yeah. Yep. Yep. Yep. Mhmm. Mhmm. Exactly. Yep. Yep. Yep. To answer that question, I would say so because I'm just mid-30s, I'm just investing for a long term. So so that would work that would mean putting money into high aggressive assets, high growth assets. That makes sense. But obviously, reducing the cost. I know that would be that wouldn't be an option, but obviously, it has to come with high value. But I'm I'm I'm open to options, like what options you would suggest. Yep. Yep. No. Yeah. Yes. Yep. Right. Okay. Yep. On my way. Yeah. So what sort of assets are you are you getting to invest to go? Is it like a mission property or is it a mix mix bag? Or is it Alright. So is the is the emission properties out of the picture, is it? The emission properties, like buying properties out of those, you know, additional funds that you get from the bank? Or are we just talking about shares? You know what I mean? Like Okay. Yep. Yeah. Okay. Yeah. Because I'm already exaggerating with my current home loan. I wouldn't go down the path of, you know, that year investment that you mentioned. So probably I would say I'm kind of going moderate in between. Yeah. Exactly. If you can I can anytime change, I I would suppose? Right? Over the down the line, I can just change the level of investments that I wanna take or risk. Yeah. I've got one. Yep. No. But yeah. It's the funny words. Oh, yeah. Yep. Yeah. A lot of things comes up when when when you send school. Yeah. It's different for you. Yep. Yeah. I'm kind of at the moment, I'm just trying to figure out how do I how do I close my car loan as soon as possible or kind of I'm just researching different strategies that I can use because I'm not having a car loan with 7% interest. So I'm trying to kind of sell it now or use the innovative lease to buy another car or something like that. So I'm just in that stage where I'm kind of researching. On on the other side of things, I'm also thinking of, obviously, increasing my income. So I've just asked my wife to kind of look for a job. She's or she's been in the job for about four years, and I think she's underpaid for kind of looking up for opportunities. Yeah. She earns about $1.31 38 k. But in the market, I'm pretty sure for her role, I think it's about $1.81 90 is easily achievable. Yeah. She's underpaid, but she's also very comfortable. You know? She's working from home, and her boss is in Adelaide and you know? It's very flexible. Yeah. Yeah. It's very nice. Yeah. It's it's more of, like, paying off credit cards and, you know, and I try to also kind of put some some money into the shares as well. Yeah. And then, yeah, it's mostly paying off credit cards and putting a little bit into shares. And also, I send money to my overseas account as well. So I kind of invest overseas as well. But really, very small investment overseas. Yep. Yeah. I wouldn't mind getting some advice on my tax because I'm I'm on the highest bracket, I suppose, around thirty thirty seven to 45 bracket. Probably, do you provide tax advice or how to save on tax? Obviously, I was just thinking my question was around the investment options, which is really data. Okay. Yeah. I would yeah. I wouldn't access my super for anything like but to your question, to add more contributions to it, I can probably consider. Yeah. Oh, wow. I haven't thought about it, but yeah. I haven't thought about that before. But yeah. It's a it's a good one to consider, though. Yeah. Yep. Welcome. Yeah. You're right. Yeah. Correct. Yeah. Absolutely. But having having said that, like, I'm I'm happy to open to open one account for my daughter for sure. But I really didn't think about it. I can use the service. Yeah. I'll put some probably $50 or something like that going into that account and probably not touch it, like, set up some direct debit, something like that. But, obviously, also, I need to pay off my home loan as well. Yeah. Yeah. Obviously, all your strategies would kind of help me to kind of pay up the home loan as well, I took them over the years. Yeah. Yep. Yep. Yep. Nora? Nora? Yeah. No. N o r a h. Nora. Yep. Did I increase it by 1,000,000? I think it is 1,000,000. You say 1,000,000, 2,000,000. Yeah. Yeah. I've increased to one. Yes. And then you say my yeah. I think I did that intentionally. One second. Just double second. So is that what you have there in in I think from do you have a live view of my or super or it's just no. Okay. Alright. Okay. So you're probably right. Yeah. I put that yeah. I've increased my cover. And I think I think in previously, I didn't have a TPD, so I just added it 56. Yeah. Yep. Not enough. Yeah. I don't. Yeah. And we also want the underwriting policy as well. Right? This is I don't think it's medically underwritten. I didn't have I didn't have any questions asked by the hospital. They just gave me a base cover, and I just topped it up. You know what I mean? Yep. Yeah. That's right. Yeah. Yeah. Yeah. That's my comfort level for now. But, yeah, we can test the bed. Yeah. Mhmm. Yeah. I know. Okay. Yeah. Yeah. Yeah. I think quite comfortable with, yeah, with the current setup. Mhmm. Yeah. Yep. Is is there a possibility we can combine our super? Is that possible? Or every digital has to have a separate account? Yeah. Yep. Yep. Yeah. Yeah. Yep. My export yeah. Yeah. Got that. Yeah. Okay. So do you provide that advice at all? Yeah. Yeah. Yeah. Yeah. Mhmm. Right. Okay. Yeah. Yeah. Advised. Yep. Mhmm. Yeah. Yeah. Maybe maybe consider in the future. Yeah. For sure. Yeah. Yeah. And in terms of next steps, so you're gonna prepare a SOA, is it? And advise with with all the details and the fees and all that is kind of what I'm expecting. Yep. Alright. Cool. Yep. Okay. Yep. Alright. Sounds good. Yeah. Cool. Thanks, Larissa. I was very cool. Yep. No worries. Hey, guys. I'm here. Thanks, Larissa. Thank you. Alright. Cool. I won't hold you too long. All I gotta do is just book in that SOA 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it's Billy. How are you? Very good. No. That's alright.\n\nI've emailed it to you. So it's a little bit of a confusing one just because he was a bit pressed for time. He's actually one that was complete by someone on SGD, but he didn't qualify for them. So he's come over here. I sent you the SGD fact line, and then I've got his updated balance, And he's come out as a high growth investor.\n\nYeah. I sent it to lorissa at yeah. It's it'll be from my Gmail. It'll be from billybrinson@gmail. Yep.\n\nI sent it a minute ago. Okay. That's annoying. Alright. Well, do you want me to just do it the ultimate way and explain where his super is?\n\nAlright. So he's with Australian Super, a 100% in international shares. He has a 115,000. He works as hang on. Where he is a chartered accountant, and his gross income is a 168,000.\n\nNow his expenditure is about 1,500, and he saves anywhere from 500 to 1,000 a week. Looks like he's got a little bit of debt there. He's got about a million dollars in debt, but he obviously has he's got 903,000 debt, 1.3 no assets. He's born in 1991. And I'm just checking for insurances now as well.\n\nIt looks like he's got a million dollars life insurance, 57,000 PPD, 8,600 per month income protection, and he's paying or it just says $6.55. I'm assuming that's just for one. I'm not a 100% sure on what he's paying. I'll chase it up, though. So I know it's a bit of a stuff around this one.\n\nI just he was a little bit pressed for time, so I just wanted to try and get it done quick with him. Oh. Oh, his name's Subin. Harry was the yeah. Harry was the yeah.\n\nNo. All good. Do you want me to check him over now? Yeah? Are you are you sure?\n\nIt's up to you. You ready? Alright. Cool. I'll introduce you guys.\n\nBear with me. Steven, you still there? Yep. Mhmm. Yep.\n\nSorry for the hold up there, mate. I've just got Larissa on the line. She's the adviser that I speak so fondly of. But like I said, she's just gonna quickly run you through the next steps. It shouldn't take too long, mate.\n\nAnd then I'll catch up with you quickly after, if that's alright? Alright. No worries. Perfect. Go ahead, Larissa.\n\nHi, Larissa. I'm good. How are you? Yep. Yep.\n\nYes. Yeah. Yeah. So everything's all my expense expenses are into credit card, and then I pay it off at end of the month. That's my job.\n\nYeah. I just wanna get more points, you know, to travel. Yep. Yep. Yeah.\n\nYep. I'm just using superhero just to I don't have much. I just have 2 k, and then I think I have 2 k about 2 k in CommBank. What's that called? Pockets.\n\nYeah. Com CommSec. Yeah. And, yeah, it's a mix of shares, and I've also in, I think, a few ETFs. Yeah.\n\nYep. Yep. Yeah. Yeah. Exactly.\n\nYeah. Yep. Yep. Yep. Mhmm.\n\nMhmm. Exactly. Yep. Yep. Yep.\n\nTo answer that question, I would say so because I'm just mid-30s, I'm just investing for a long term. So so that would work that would mean putting money into high aggressive assets, high growth assets. That makes sense. But obviously, reducing the cost. I know that would be that wouldn't be an option, but obviously, it has to come with high value.\n\nBut I'm I'm I'm open to options, like what options you would suggest. Yep. Yep. No. Yeah.\n\nYes. Yep. Right. Okay. Yep.\n\nOn my way. Yeah. So what sort of assets are you are you getting to invest to go? Is it like a mission property or is it a mix mix bag? Or is it Alright.\n\nSo is the is the emission properties out of the picture, is it? The emission properties, like buying properties out of those, you know, additional funds that you get from the bank? Or are we just talking about shares? You know what I mean? Like Okay.\n\nYep. Yeah. Okay. Yeah. Because I'm already exaggerating with my current home loan.\n\nI wouldn't go down the path of, you know, that year investment that you mentioned. So probably I would say I'm kind of going moderate in between. Yeah. Exactly. If you can I can anytime change, I I would suppose?\n\nRight? Over the down the line, I can just change the level of investments that I wanna take or risk. Yeah. I've got one. Yep.\n\nNo. But yeah. It's the funny words. Oh, yeah. Yep.\n\nYeah. A lot of things comes up when when when you send school. Yeah. It's different for you. Yep.\n\nYeah. I'm kind of at the moment, I'm just trying to figure out how do I how do I close my car loan as soon as possible or kind of I'm just researching different strategies that I can use because I'm not having a car loan with 7% interest. So I'm trying to kind of sell it now or use the innovative lease to buy another car or something like that. So I'm just in that stage where I'm kind of researching. On on the other side of things, I'm also thinking of, obviously, increasing my income.\n\nSo I've just asked my wife to kind of look for a job. She's or she's been in the job for about four years, and I think she's underpaid for kind of looking up for opportunities. Yeah. She earns about $1.31 38 k. But in the market, I'm pretty sure for her role, I think it's about $1.81 90 is easily achievable.\n\nYeah. She's underpaid, but she's also very comfortable. You know? She's working from home, and her boss is in Adelaide and you know? It's very flexible.\n\nYeah. Yeah. It's very nice. Yeah. It's it's more of, like, paying off credit cards and, you know, and I try to also kind of put some some money into the shares as well.\n\nYeah. And then, yeah, it's mostly paying off credit cards and putting a little bit into shares. And also, I send money to my overseas account as well. So I kind of invest overseas as well. But really, very small investment overseas.\n\nYep. Yeah. I wouldn't mind getting some advice on my tax because I'm I'm on the highest bracket, I suppose, around thirty thirty seven to 45 bracket. Probably, do you provide tax advice or how to save on tax? Obviously, I was just thinking my question was around the investment options, which is really data.\n\nOkay. Yeah. I would yeah. I wouldn't access my super for anything like but to your question, to add more contributions to it, I can probably consider. Yeah.\n\nOh, wow. I haven't thought about it, but yeah. I haven't thought about that before. But yeah. It's a it's a good one to consider, though.\n\nYeah. Yep. Welcome. Yeah. You're right.\n\nYeah. Correct. Yeah. Absolutely. But having having said that, like, I'm I'm happy to open to open one account for my daughter for sure.\n\nBut I really didn't think about it. I can use the service. Yeah. I'll put some probably $50 or something like that going into that account and probably not touch it, like, set up some direct debit, something like that. But, obviously, also, I need to pay off my home loan as well.\n\nYeah. Yeah. Obviously, all your strategies would kind of help me to kind of pay up the home loan as well, I took them over the years. Yeah. Yep.\n\nYep. Yep. Nora? Nora? Yeah.\n\nNo. N o r a h. Nora. Yep. Did I increase it by 1,000,000?\n\nI think it is 1,000,000. You say 1,000,000, 2,000,000. Yeah. Yeah. I've increased to one.\n\nYes. And then you say my yeah. I think I did that intentionally. One second. Just double second.\n\nSo is that what you have there in in I think from do you have a live view of my or super or it's just no. Okay. Alright. Okay. So you're probably right.\n\nYeah. I put that yeah. I've increased my cover. And I think I think in previously, I didn't have a TPD, so I just added it 56. Yeah.\n\nYep. Not enough. Yeah. I don't. Yeah.\n\nAnd we also want the underwriting policy as well. Right? This is I don't think it's medically underwritten. I didn't have I didn't have any questions asked by the hospital. They just gave me a base cover, and I just topped it up.\n\nYou know what I mean? Yep. Yeah. That's right. Yeah.\n\nYeah. Yeah. That's my comfort level for now. But, yeah, we can test the bed. Yeah.\n\nMhmm. Yeah. I know. Okay. Yeah.\n\nYeah. Yeah. I think quite comfortable with, yeah, with the current setup. Mhmm. Yeah.\n\nYep. Is is there a possibility we can combine our super? Is that possible? Or every digital has to have a separate account? Yeah.\n\nYep. Yep. Yeah. Yeah. Yep.\n\nMy export yeah. Yeah. Got that. Yeah. Okay.\n\nSo do you provide that advice at all? Yeah. Yeah. Yeah. Yeah.\n\nMhmm. Right. Okay. Yeah. Yeah.\n\nAdvised. Yep. Mhmm. Yeah. Yeah.\n\nMaybe maybe consider in the future. Yeah. For sure. Yeah. Yeah.\n\nAnd in terms of next steps, so you're gonna prepare a SOA, is it? And advise with with all the details and the fees and all that is kind of what I'm expecting. Yep. Alright. Cool.\n\nYep. Okay. Yep. Alright. Sounds good.\n\nYeah. Cool. Thanks, Larissa. I was very cool. Yep.\n\nNo worries. Hey, guys. I'm here. Thanks, Larissa. Thank you.\n\nAlright. Cool. I won't hold you too long. All I gotta do is just book in that SOA presentation.","paragraphs":[{"sentences":[{"text":"Larissa, it's Billy.","start":3.52,"end":4.48,"sentiment":"neutral","sentiment_score":0.31380407015482586},{"text":"How are you?","start":4.48,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.28212592999140423},{"text":"Very good.","start":7.3599997,"end":8.26,"sentiment":"neutral","sentiment_score":0.01281021162867546},{"text":"No.","start":8.8,"end":9.12,"sentiment":"neutral","sentiment_score":-0.09753584116697311},{"text":"That's alright.","start":9.12,"end":9.599999,"sentiment":"neutral","sentiment_score":-0.027740512043237686}],"sentiment":"neutral","sentiment_score":0.1509448689493266,"num_words":11,"start":3.52,"end":9.599999},{"sentences":[{"text":"I've emailed it to you.","start":9.599999,"end":10.48,"sentiment":"neutral","sentiment_score":0.026554787904024123},{"text":"So it's a little bit of a confusing one just because he was a bit pressed for time.","start":10.48,"end":14.975,"sentiment":"neutral","sentiment_score":-0.19437206205394533},{"text":"He's actually one that was complete by someone on SGD, but he didn't qualify for them.","start":14.975,"end":20.735,"sentiment":"neutral","sentiment_score":-0.08097867527976632},{"text":"So he's come over here.","start":20.735,"end":21.695,"sentiment":"neutral","sentiment_score":0.010452349856495857},{"text":"I sent you the SGD fact line, and then I've got his updated balance, And he's come out as a high growth investor.","start":21.695,"end":29.08,"sentiment":"neutral","sentiment_score":0.23794128583825153}],"sentiment":"neutral","sentiment_score":0.01288551256171803,"num_words":67,"start":9.599999,"end":29.08},{"sentences":[{"text":"Yeah.","start":32.260002,"end":32.58,"sentiment":"neutral","sentiment_score":-0.00197379756718874},{"text":"I sent it to lorissa at yeah.","start":32.58,"end":36.98,"sentiment":"neutral","sentiment_score":-0.010328611225954123},{"text":"It's it'll be from my Gmail.","start":36.98,"end":39.14,"sentiment":"neutral","sentiment_score":0.028612319690485794},{"text":"It'll be from billybrinson@gmail.","start":39.14,"end":41.08,"sentiment":"neutral","sentiment_score":0.02682614140212536},{"text":"Yep.","start":47.605003,"end":48.005,"sentiment":"neutral","sentiment_score":0.0038880929350852966}],"sentiment":"neutral","sentiment_score":0.010978552659875468,"num_words":19,"start":32.260002,"end":48.005},{"sentences":[{"text":"I sent it a minute ago.","start":48.005,"end":49.385002,"sentiment":"neutral","sentiment_score":-0.017873747895161312},{"text":"Okay.","start":52.885002,"end":53.205,"sentiment":"neutral","sentiment_score":-0.066851407289505},{"text":"That's annoying.","start":53.205,"end":54.105003,"sentiment":"negative","sentiment_score":-0.7026278972625732},{"text":"Alright.","start":58.38,"end":58.62,"sentiment":"neutral","sentiment_score":-0.051163673400878906},{"text":"Well, do you want me to just do it the ultimate way and explain where his super is?","start":58.62,"end":63.2,"sentiment":"neutral","sentiment_score":0.0006201189632217089}],"sentiment":"neutral","sentiment_score":-0.057833972187446694,"num_words":28,"start":48.005,"end":63.2},{"sentences":[{"text":"Alright.","start":64.86,"end":65.34,"sentiment":"neutral","sentiment_score":0.03483640402555466},{"text":"So he's with Australian Super, a 100% in international shares.","start":65.34,"end":69.520004,"sentiment":"neutral","sentiment_score":0.07824222259223461},{"text":"He has a 115,000.","start":70.06,"end":72.64,"sentiment":"neutral","sentiment_score":0.049212537705898285},{"text":"He works as hang on.","start":74.935,"end":78.615,"sentiment":"neutral","sentiment_score":0.040794482082128526},{"text":"Where he is a chartered accountant, and his gross income is a 168,000.","start":78.615,"end":87.275,"sentiment":"neutral","sentiment_score":0.05413241942341511}],"sentiment":"neutral","sentiment_score":0.05823644374807676,"num_words":33,"start":64.86,"end":87.275},{"sentences":[{"text":"Now his expenditure is about 1,500, and he saves anywhere from 500 to 1,000 a week.","start":88.47,"end":94.57,"sentiment":"neutral","sentiment_score":0.11471919971518219},{"text":"Looks like he's got a little bit of debt there.","start":94.630005,"end":96.810005,"sentiment":"neutral","sentiment_score":-0.27423866987228396},{"text":"He's got about a million dollars in debt, but he obviously has he's got 903,000 debt, 1.3 no assets.","start":97.670006,"end":104.365,"sentiment":"neutral","sentiment_score":-0.1623667509932267},{"text":"He's born in 1991.","start":105.545,"end":107.564995,"sentiment":"neutral","sentiment_score":0.022217788093257695},{"text":"And I'm just checking for insurances now as well.","start":111.384995,"end":114.024994,"sentiment":"neutral","sentiment_score":-0.006626031878921721}],"sentiment":"neutral","sentiment_score":-0.0683208777015258,"num_words":58,"start":88.47,"end":114.024994},{"sentences":[{"text":"It looks like he's got a million dollars life insurance, 57,000 PPD, 8,600 per month income protection, and he's paying or it just says $6.55.","start":114.024994,"end":128.625,"sentiment":"neutral","sentiment_score":-0.001939004734158516},{"text":"I'm assuming that's just for one.","start":128.625,"end":129.985,"sentiment":"neutral","sentiment_score":-0.06494899839162827},{"text":"I'm not a 100% sure on what he's paying.","start":129.985,"end":131.58499,"sentiment":"neutral","sentiment_score":-0.19460473789109123},{"text":"I'll chase it up, though.","start":131.58499,"end":132.885,"sentiment":"neutral","sentiment_score":-0.1064164012670517},{"text":"So I know it's a bit of a stuff around this one.","start":135.265,"end":138.14499,"sentiment":"neutral","sentiment_score":-0.09265961560110252}],"sentiment":"neutral","sentiment_score":-0.06725630075915863,"num_words":57,"start":114.024994,"end":138.14499},{"sentences":[{"text":"I just he was a little bit pressed for time, so I just wanted to try and get it done quick with him.","start":138.14499,"end":142.56499,"sentiment":"neutral","sentiment_score":-0.07990246946397035},{"text":"Oh.","start":146.94,"end":147.44,"sentiment":"neutral","sentiment_score":-0.01352952979505062},{"text":"Oh, his name's Subin.","start":147.98001,"end":149.18001,"sentiment":"neutral","sentiment_score":-0.13717983663082123},{"text":"Harry was the yeah.","start":149.18001,"end":151.18001,"sentiment":"neutral","sentiment_score":-0.2844807179644704},{"text":"Harry was the yeah.","start":151.18001,"end":152.48001,"sentiment":"neutral","sentiment_score":-0.034141287207603455}],"sentiment":"neutral","sentiment_score":-0.1020692692966097,"num_words":36,"start":138.14499,"end":152.48001},{"sentences":[{"text":"No.","start":152.54001,"end":152.78,"sentiment":"neutral","sentiment_score":-0.07826919108629227},{"text":"All good.","start":152.78,"end":153.42001,"sentiment":"neutral","sentiment_score":0.0074838027358055115},{"text":"Do you want me to check him over now?","start":153.42001,"end":155.04001,"sentiment":"neutral","sentiment_score":0.025379363861348894},{"text":"Yeah?","start":157.38501,"end":157.705,"sentiment":"neutral","sentiment_score":0.027439981698989868},{"text":"Are you are you sure?","start":157.705,"end":158.425,"sentiment":"neutral","sentiment_score":0.04550038427114487}],"sentiment":"neutral","sentiment_score":0.0233363662328985,"num_words":18,"start":152.54001,"end":158.425},{"sentences":[{"text":"It's up to you.","start":158.425,"end":159.225,"sentiment":"neutral","sentiment_score":0.13684606365859509},{"text":"You ready?","start":159.225,"end":159.88501,"sentiment":"neutral","sentiment_score":0.06277059391140938},{"text":"Alright.","start":159.945,"end":160.425,"sentiment":"neutral","sentiment_score":0.04159671813249588},{"text":"Cool.","start":160.425,"end":160.82501,"sentiment":"neutral","sentiment_score":0.19426244497299192},{"text":"I'll introduce you guys.","start":160.82501,"end":161.945,"sentiment":"neutral","sentiment_score":0.1664511263370514}],"sentiment":"neutral","sentiment_score":0.13121575924257436,"num_words":12,"start":158.425,"end":161.945},{"sentences":[{"text":"Bear with me.","start":161.945,"end":162.765,"sentiment":"neutral","sentiment_score":0.0669889102379481},{"text":"Steven, you still there?","start":165.705,"end":167.005,"sentiment":"neutral","sentiment_score":0.019894476514309645},{"text":"Yep.","start":167.065,"end":167.545,"sentiment":"neutral","sentiment_score":0.024662887677550316},{"text":"Mhmm.","start":167.545,"end":167.705,"sentiment":"neutral","sentiment_score":0.02108597196638584},{"text":"Yep.","start":167.705,"end":168.0,"sentiment":"neutral","sentiment_score":0.022196169942617416}],"sentiment":"neutral","sentiment_score":0.034848966635763645,"num_words":10,"start":161.945,"end":168.0},{"sentences":[{"text":"Sorry for the hold up there, mate.","start":168.08,"end":169.54,"sentiment":"neutral","sentiment_score":-0.0862785450049809},{"text":"I've just got Larissa on the line.","start":169.6,"end":171.22,"sentiment":"neutral","sentiment_score":0.06013116001018456},{"text":"She's the adviser that I speak so fondly of.","start":171.28,"end":173.76,"sentiment":"neutral","sentiment_score":0.10306490047110452},{"text":"But like I said, she's just gonna quickly run you through the next steps.","start":173.76,"end":176.24,"sentiment":"neutral","sentiment_score":0.1281003483704158},{"text":"It shouldn't take too long, mate.","start":176.24,"end":177.78,"sentiment":"neutral","sentiment_score":0.1134212538599968}],"sentiment":"neutral","sentiment_score":0.07484848394470159,"num_words":43,"start":168.08,"end":177.78},{"sentences":[{"text":"And then I'll catch up with you quickly after, if that's alright?","start":178.08,"end":180.945,"sentiment":"neutral","sentiment_score":0.05980669303486744},{"text":"Alright.","start":181.10501,"end":181.425,"sentiment":"neutral","sentiment_score":0.07772316038608551},{"text":"No worries.","start":181.425,"end":182.085,"sentiment":"neutral","sentiment_score":0.13089710846543312},{"text":"Perfect.","start":182.38501,"end":182.785,"sentiment":"neutral","sentiment_score":0.3242136836051941},{"text":"Go ahead, Larissa.","start":182.785,"end":183.68501,"sentiment":"neutral","sentiment_score":0.2611020753781001}],"sentiment":"neutral","sentiment_score":0.11393250544604502,"num_words":19,"start":178.08,"end":183.68501},{"sentences":[{"text":"Hi, Larissa.","start":186.865,"end":187.505,"sentiment":"neutral","sentiment_score":0.1953415498137474},{"text":"I'm good.","start":187.505,"end":187.90501,"sentiment":"neutral","sentiment_score":0.31351254880428314},{"text":"How are you?","start":187.90501,"end":188.645,"sentiment":"neutral","sentiment_score":0.2510513017574946},{"text":"Yep.","start":204.35,"end":204.85,"sentiment":"neutral","sentiment_score":0.11553260684013368},{"text":"Yep.","start":217.22499,"end":217.72499,"sentiment":"neutral","sentiment_score":0.04903089627623558}],"sentiment":"neutral","sentiment_score":0.21504728951387936,"num_words":9,"start":186.865,"end":217.72499},{"sentences":[{"text":"Yes.","start":232.11,"end":232.455,"sentiment":"neutral","sentiment_score":0.30089110136032104},{"text":"Yeah.","start":239.175,"end":239.675,"sentiment":"neutral","sentiment_score":0.05220580846071243},{"text":"Yeah.","start":254.48,"end":254.72,"sentiment":"neutral","sentiment_score":0.07872334122657776},{"text":"So everything's all my expense expenses are into credit card, and then I pay it off at end of the month.","start":254.72,"end":260.88,"sentiment":"neutral","sentiment_score":0.16038351789826438},{"text":"That's my job.","start":260.88,"end":261.86,"sentiment":"neutral","sentiment_score":0.26396478712558746}],"sentiment":"neutral","sentiment_score":0.17006549956621947,"num_words":27,"start":232.11,"end":261.86},{"sentences":[{"text":"Yeah.","start":266.805,"end":267.20502,"sentiment":"neutral","sentiment_score":0.09635356068611144},{"text":"I just wanna get more points, you know, to travel.","start":267.20502,"end":270.745,"sentiment":"neutral","sentiment_score":0.07962097935378551},{"text":"Yep.","start":274.005,"end":274.505,"sentiment":"neutral","sentiment_score":0.07625661790370941},{"text":"Yep.","start":275.33,"end":275.83,"sentiment":"neutral","sentiment_score":0.1015469655394554},{"text":"Yeah.","start":278.05,"end":278.55,"sentiment":"neutral","sentiment_score":0.07941558212041855}],"sentiment":"neutral","sentiment_score":0.08212732284196786,"num_words":14,"start":266.805,"end":278.55},{"sentences":[{"text":"Yep.","start":279.09,"end":279.59,"sentiment":"neutral","sentiment_score":0.10537903010845184},{"text":"I'm just using superhero just to I don't have much.","start":296.545,"end":300.7,"sentiment":"neutral","sentiment_score":-0.02258366229943931},{"text":"I just have 2 k, and then I think I have 2 k about 2 k in CommBank.","start":300.7,"end":306.24002,"sentiment":"neutral","sentiment_score":-0.0058234545350488685},{"text":"What's that called?","start":307.66,"end":308.64,"sentiment":"neutral","sentiment_score":0.005958391974369685},{"text":"Pockets.","start":308.86002,"end":309.36002,"sentiment":"neutral","sentiment_score":0.007873469963669777}],"sentiment":"neutral","sentiment_score":-0.006046397837274002,"num_words":33,"start":279.09,"end":309.36002},{"sentences":[{"text":"Yeah.","start":309.58002,"end":310.06,"sentiment":"neutral","sentiment_score":0.010346300899982452},{"text":"Com CommSec.","start":310.06,"end":311.28,"sentiment":"neutral","sentiment_score":0.011216513812541962},{"text":"Yeah.","start":311.58002,"end":312.08002,"sentiment":"neutral","sentiment_score":0.012431242503225803},{"text":"And, yeah, it's a mix of shares, and I've also in, I think, a few ETFs.","start":312.915,"end":317.495,"sentiment":"neutral","sentiment_score":0.08359676552936435},{"text":"Yeah.","start":317.635,"end":318.135,"sentiment":"neutral","sentiment_score":0.18555232882499695}],"sentiment":"neutral","sentiment_score":0.07468148325348184,"num_words":21,"start":309.58002,"end":318.135},{"sentences":[{"text":"Yep.","start":336.93,"end":337.43,"sentiment":"neutral","sentiment_score":-0.05670272558927536},{"text":"Yep.","start":348.95502,"end":349.45502,"sentiment":"neutral","sentiment_score":-0.1291433870792389},{"text":"Yeah.","start":352.075,"end":352.575,"sentiment":"neutral","sentiment_score":-0.07418489456176758},{"text":"Yeah.","start":357.14,"end":357.64,"sentiment":"neutral","sentiment_score":-0.2527036666870117},{"text":"Exactly.","start":360.26,"end":360.74,"sentiment":"neutral","sentiment_score":-0.18854308128356936}],"sentiment":"neutral","sentiment_score":-0.14025555104017257,"num_words":5,"start":336.93,"end":360.74},{"sentences":[{"text":"Yeah.","start":360.74,"end":361.24,"sentiment":"neutral","sentiment_score":-0.06712719053030014},{"text":"Yep.","start":372.615,"end":373.115,"sentiment":"neutral","sentiment_score":0.04839649796485901},{"text":"Yep.","start":399.03,"end":399.435,"sentiment":"neutral","sentiment_score":0.028778355568647385},{"text":"Yep.","start":418.36002,"end":418.86002,"sentiment":"neutral","sentiment_score":0.024108892306685448},{"text":"Mhmm.","start":419.56003,"end":420.06003,"sentiment":"neutral","sentiment_score":0.02829523384571075}],"sentiment":"neutral","sentiment_score":0.01249035783112049,"num_words":5,"start":360.74,"end":420.06003},{"sentences":[{"text":"Mhmm.","start":440.11002,"end":440.61002,"sentiment":"neutral","sentiment_score":-0.04792302846908569},{"text":"Exactly.","start":449.55002,"end":450.05002,"sentiment":"neutral","sentiment_score":0.09381502866744997},{"text":"Yep.","start":450.11002,"end":450.43002,"sentiment":"neutral","sentiment_score":0.04785534739494324},{"text":"Yep.","start":450.43002,"end":450.93002,"sentiment":"neutral","sentiment_score":0.02056616358458996},{"text":"Yep.","start":457.615,"end":458.115,"sentiment":"neutral","sentiment_score":0.09898164123296738}],"sentiment":"neutral","sentiment_score":0.04265903048217297,"num_words":5,"start":440.11002,"end":458.115},{"sentences":[{"text":"To answer that question, I would say so because I'm just mid-30s, I'm just investing for a long term.","start":517.785,"end":524.4,"sentiment":"neutral","sentiment_score":0.183720242820288},{"text":"So so that would work that would mean putting money into high aggressive assets, high growth assets.","start":525.36005,"end":534.9,"sentiment":"positive","sentiment_score":0.35608097209649925},{"text":"That makes sense.","start":535.28,"end":536.415,"sentiment":"positive","sentiment_score":0.334646999835968},{"text":"But obviously, reducing the cost.","start":537.295,"end":539.295,"sentiment":"neutral","sentiment_score":0.12268847227096558},{"text":"I know that would be that wouldn't be an option, but obviously, it has to come with high value.","start":539.295,"end":544.57495,"sentiment":"neutral","sentiment_score":0.0620469647018533}],"sentiment":"neutral","sentiment_score":0.195878362371808,"num_words":63,"start":517.785,"end":544.57495},{"sentences":[{"text":"But I'm I'm I'm open to options, like what options you would 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my way.","start":645.49,"end":646.38995,"sentiment":"neutral","sentiment_score":-0.000985154261191686},{"text":"Yeah.","start":647.97,"end":648.47,"sentiment":"neutral","sentiment_score":0.05387507751584053},{"text":"So what sort of assets are you are you getting to invest to go?","start":653.705,"end":657.865,"sentiment":"neutral","sentiment_score":0.056544170049684386},{"text":"Is it like a mission property or is it a mix mix bag?","start":657.865,"end":661.085,"sentiment":"neutral","sentiment_score":0.03214150767486829},{"text":"Or is it Alright.","start":661.54504,"end":677.42,"sentiment":"neutral","sentiment_score":0.03759885113686323}],"sentiment":"neutral","sentiment_score":0.040307799992816785,"num_words":35,"start":645.49,"end":677.42},{"sentences":[{"text":"So is the is the emission properties out of the picture, is it?","start":677.8,"end":681.5,"sentiment":"neutral","sentiment_score":0.01738533406303479},{"text":"The emission properties, like buying properties out of those, you know, additional funds that you get from the bank?","start":684.435,"end":690.295,"sentiment":"neutral","sentiment_score":0.018608099143756062},{"text":"Or are we just talking about shares?","start":692.355,"end":694.615,"sentiment":"neutral","sentiment_score":0.0009556572352136884},{"text":"You know what I mean?","start":695.68005,"end":696.56006,"sentiment":"neutral","sentiment_score":0.0004294849932193756},{"text":"Like Okay.","start":696.56006,"end":710.095,"sentiment":"neutral","sentiment_score":0.03387443535029888}],"sentiment":"neutral","sentiment_score":0.014264111366608868,"num_words":46,"start":677.8,"end":710.095},{"sentences":[{"text":"Yep.","start":711.355,"end":711.855,"sentiment":"neutral","sentiment_score":0.01694735698401928},{"text":"Yeah.","start":721.19495,"end":721.69495,"sentiment":"neutral","sentiment_score":0.15800151228904724},{"text":"Okay.","start":722.235,"end":722.735,"sentiment":"neutral","sentiment_score":0.1747378706932068},{"text":"Yeah.","start":752.63995,"end":753.04,"sentiment":"neutral","sentiment_score":-0.009411273524165154},{"text":"Because I'm already exaggerating with my current home loan.","start":753.04,"end":756.0,"sentiment":"neutral","sentiment_score":-0.15139433534608948}],"sentiment":"neutral","sentiment_score":-0.07863642705174592,"num_words":13,"start":711.355,"end":756.0},{"sentences":[{"text":"I wouldn't go down the path of, you know, that year 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yeah.","start":835.73004,"end":836.39,"sentiment":"neutral","sentiment_score":-0.06771147809922695},{"text":"Yep.","start":836.53,"end":837.03,"sentiment":"neutral","sentiment_score":-0.28080517053604126}],"sentiment":"neutral","sentiment_score":-0.06235440969467163,"num_words":10,"start":808.66,"end":837.03},{"sentences":[{"text":"Yeah.","start":838.21,"end":838.71,"sentiment":"neutral","sentiment_score":-0.1256868988275528},{"text":"A lot of things comes up when when when you send school.","start":839.09,"end":841.97003,"sentiment":"neutral","sentiment_score":-0.09204071015119553},{"text":"Yeah.","start":841.97003,"end":842.21,"sentiment":"neutral","sentiment_score":-0.06607260555028915},{"text":"It's different for 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o r a h.","start":1410.2151,"end":1411.0951,"sentiment":"neutral","sentiment_score":-0.028289086744189264},{"text":"Nora.","start":1411.0951,"end":1411.5951,"sentiment":"neutral","sentiment_score":0.002613109303638339},{"text":"Yep.","start":1411.655,"end":1412.155,"sentiment":"neutral","sentiment_score":0.039188675582408905},{"text":"Did I increase it by 1,000,000?","start":1449.52,"end":1451.4601,"sentiment":"neutral","sentiment_score":-0.05488144792616367}],"sentiment":"neutral","sentiment_score":-0.034142795767235966,"num_words":14,"start":1410.055,"end":1451.4601},{"sentences":[{"text":"I think it is 1,000,000.","start":1451.68,"end":1453.14,"sentiment":"neutral","sentiment_score":-0.027362715825438498},{"text":"You say 1,000,000, 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bed.","start":1639.025,"end":1640.625,"sentiment":"neutral","sentiment_score":-0.20560394653252193},{"text":"Yeah.","start":1640.625,"end":1641.125,"sentiment":"neutral","sentiment_score":-0.11029019951820374}],"sentiment":"neutral","sentiment_score":-0.05365928588435054,"num_words":16,"start":1611.3151,"end":1641.125},{"sentences":[{"text":"Mhmm.","start":1646.0651,"end":1646.145,"sentiment":"neutral","sentiment_score":-0.04942093417048454},{"text":"Yeah.","start":1646.145,"end":1646.215,"sentiment":"neutral","sentiment_score":-0.022961363196372982},{"text":"I know.","start":1646.215,"end":1646.965,"sentiment":"neutral","sentiment_score":-0.018511993810534477},{"text":"Okay.","start":1647.025,"end":1647.525,"sentiment":"neutral","sentiment_score":-0.003614179790019989},{"text":"Yeah.","start":1670.7251,"end":1671.2251,"sentiment":"neutral","sentiment_score":0.03263742849230766}],"sentiment":"neutral","sentiment_score":-0.013397172714273134,"num_words":6,"start":1646.0651,"end":1671.2251},{"sentences":[{"text":"Yeah.","start":1678.165,"end":1678.405,"sentiment":"neutral","sentiment_score":0.21469646692276},{"text":"Yeah.","start":1678.405,"end":1678.645,"sentiment":"neutral","sentiment_score":0.28219467401504517},{"text":"I think quite comfortable with, yeah, with the current setup.","start":1678.645,"end":1682.84,"sentiment":"positive","sentiment_score":0.5332973390817642},{"text":"Mhmm.","start":1683.46,"end":1683.96,"sentiment":"neutral","sentiment_score":0.27253830432891846},{"text":"Yeah.","start":1702.5751,"end":1703.0751,"sentiment":"neutral","sentiment_score":0.16149911284446716}],"sentiment":"positive","sentiment_score":0.4474215677806309,"num_words":14,"start":1678.165,"end":1703.0751},{"sentences":[{"text":"Yep.","start":1716.55,"end":1717.05,"sentiment":"neutral","sentiment_score":0.1002192199230194},{"text":"Is is there a possibility we can combine our super?","start":1725.965,"end":1729.965,"sentiment":"neutral","sentiment_score":0.050824064016342166},{"text":"Is that possible?","start":1729.965,"end":1730.7849,"sentiment":"neutral","sentiment_score":0.038420289754867554},{"text":"Or every digital has to have a separate account?","start":1731.245,"end":1733.6649,"sentiment":"neutral","sentiment_score":0.013830089527699683},{"text":"Yeah.","start":1746.14,"end":1746.64,"sentiment":"neutral","sentiment_score":0.032685067504644394}],"sentiment":"neutral","sentiment_score":0.03670319177520772,"num_words":24,"start":1716.55,"end":1746.64},{"sentences":[{"text":"Yep.","start":1747.875,"end":1748.115,"sentiment":"neutral","sentiment_score":0.03831030428409576},{"text":"Yep.","start":1748.115,"end":1748.615,"sentiment":"neutral","sentiment_score":0.026946276426315308},{"text":"Yeah.","start":1770.3201,"end":1770.8201,"sentiment":"neutral","sentiment_score":0.006425457075238228},{"text":"Yeah.","start":1771.76,"end":1772.26,"sentiment":"neutral","sentiment_score":0.022344300523400307},{"text":"Yep.","start":1772.56,"end":1773.06,"sentiment":"neutral","sentiment_score":0.030065499246120453}],"sentiment":"neutral","sentiment_score":0.02481836751103401,"num_words":5,"start":1747.875,"end":1773.06},{"sentences":[{"text":"My export yeah.","start":1783.385,"end":1784.905,"sentiment":"neutral","sentiment_score":0.05052222808202108},{"text":"Yeah.","start":1784.905,"end":1785.225,"sentiment":"neutral","sentiment_score":0.025158390402793884},{"text":"Got that.","start":1785.225,"end":1785.785,"sentiment":"neutral","sentiment_score":0.052908068522810936},{"text":"Yeah.","start":1785.785,"end":1786.285,"sentiment":"neutral","sentiment_score":0.12175634503364564},{"text":"Okay.","start":1793.5499,"end":1794.0499,"sentiment":"neutral","sentiment_score":0.0763254314661026}],"sentiment":"neutral","sentiment_score":0.0600778735242784,"num_words":8,"start":1783.385,"end":1794.0499},{"sentences":[{"text":"So do you provide that advice at all?","start":1796.19,"end":1798.37,"sentiment":"neutral","sentiment_score":0.02501151547767222},{"text":"Yeah.","start":1807.455,"end":1807.695,"sentiment":"neutral","sentiment_score":0.21974541246891025},{"text":"Yeah.","start":1807.695,"end":1807.775,"sentiment":"neutral","sentiment_score":0.10093337297439577},{"text":"Yeah.","start":1807.775,"end":1808.255,"sentiment":"neutral","sentiment_score":0.09011427313089372},{"text":"Yeah.","start":1808.255,"end":1808.755,"sentiment":"neutral","sentiment_score":0.07432066649198532}],"sentiment":"neutral","sentiment_score":0.057100487407296896,"num_words":12,"start":1796.19,"end":1808.755},{"sentences":[{"text":"Mhmm.","start":1830.1799,"end":1830.34,"sentiment":"neutral","sentiment_score":-0.0015684422105550766},{"text":"Right.","start":1830.34,"end":1830.84,"sentiment":"neutral","sentiment_score":-0.021719465032219887},{"text":"Okay.","start":1832.1951,"end":1832.6951,"sentiment":"neutral","sentiment_score":-0.0920463353395462},{"text":"Yeah.","start":1834.915,"end":1835.235,"sentiment":"neutral","sentiment_score":0.002045135945081711},{"text":"Yeah.","start":1835.235,"end":1835.735,"sentiment":"neutral","sentiment_score":0.02754640392959118}],"sentiment":"neutral","sentiment_score":-0.017148540541529655,"num_words":5,"start":1830.1799,"end":1835.735},{"sentences":[{"text":"Advised.","start":1836.675,"end":1837.175,"sentiment":"neutral","sentiment_score":0.07415933907032013},{"text":"Yep.","start":1837.3151,"end":1837.8151,"sentiment":"neutral","sentiment_score":0.055604226887226105},{"text":"Mhmm.","start":1840.395,"end":1840.895,"sentiment":"neutral","sentiment_score":0.029534239321947094},{"text":"Yeah.","start":1843.475,"end":1843.715,"sentiment":"neutral","sentiment_score":0.024946151301264763},{"text":"Yeah.","start":1843.715,"end":1844.035,"sentiment":"neutral","sentiment_score":0.038091689348220825}],"sentiment":"neutral","sentiment_score":0.04446712918579578,"num_words":5,"start":1836.675,"end":1844.035},{"sentences":[{"text":"Maybe maybe consider in the future.","start":1844.035,"end":1845.875,"sentiment":"neutral","sentiment_score":0.04157684122522672},{"text":"Yeah.","start":1845.875,"end":1846.1951,"sentiment":"neutral","sentiment_score":0.06252370029687881},{"text":"For sure.","start":1846.1951,"end":1846.855,"sentiment":"neutral","sentiment_score":0.07479561120271683},{"text":"Yeah.","start":1851.64,"end":1852.14,"sentiment":"neutral","sentiment_score":0.21782749891281128},{"text":"Yeah.","start":1871.525,"end":1872.025,"sentiment":"neutral","sentiment_score":0.1161893904209137}],"sentiment":"neutral","sentiment_score":0.07232662358067253,"num_words":11,"start":1844.035,"end":1872.025},{"sentences":[{"text":"And in terms of next steps, so you're gonna prepare a SOA, is it?","start":1872.085,"end":1875.87,"sentiment":"neutral","sentiment_score":0.0385271551619683},{"text":"And advise with with all the details and the fees and all that is kind of what I'm expecting.","start":1875.87,"end":1883.71,"sentiment":"neutral","sentiment_score":-0.0578113002212424},{"text":"Yep.","start":1883.71,"end":1884.03,"sentiment":"neutral","sentiment_score":0.0772223249077797},{"text":"Alright.","start":1884.03,"end":1884.53,"sentiment":"neutral","sentiment_score":0.13871712982654572},{"text":"Cool.","start":1885.07,"end":1885.57,"sentiment":"neutral","sentiment_score":0.016317039728164673}],"sentiment":"neutral","sentiment_score":-0.009077167707598872,"num_words":36,"start":1872.085,"end":1885.57},{"sentences":[{"text":"Yep.","start":1892.085,"end":1892.405,"sentiment":"neutral","sentiment_score":0.14822818338871002},{"text":"Okay.","start":1892.405,"end":1892.905,"sentiment":"neutral","sentiment_score":0.17769399285316467},{"text":"Yep.","start":1896.085,"end":1896.585,"sentiment":"neutral","sentiment_score":0.16128087043762207},{"text":"Alright.","start":1907.1799,"end":1907.5,"sentiment":"positive","sentiment_score":0.48530539870262146},{"text":"Sounds good.","start":1907.5,"end":1908.14,"sentiment":"positive","sentiment_score":0.6800878942012787}],"sentiment":"positive","sentiment_score":0.38878070563077927,"num_words":6,"start":1892.085,"end":1908.14},{"sentences":[{"text":"Yeah.","start":1908.14,"end":1908.5399,"sentiment":"positive","sentiment_score":0.5117337107658386},{"text":"Cool.","start":1908.5399,"end":1908.94,"sentiment":"positive","sentiment_score":0.6590427756309509},{"text":"Thanks, Larissa.","start":1908.94,"end":1909.74,"sentiment":"positive","sentiment_score":0.5840326547622681},{"text":"I was very cool.","start":1909.74,"end":1910.72,"sentiment":"positive","sentiment_score":0.7693841010332108},{"text":"Yep.","start":1910.94,"end":1911.44,"sentiment":"positive","sentiment_score":0.5522372722625732}],"sentiment":"positive","sentiment_score":0.6631794969240824,"num_words":9,"start":1908.14,"end":1911.44},{"sentences":[{"text":"No worries.","start":1914.22,"end":1915.0399,"sentiment":"neutral","sentiment_score":0.22906941175460815},{"text":"Hey, guys.","start":1917.0088,"end":1917.5688,"sentiment":"positive","sentiment_score":0.3454207181930542},{"text":"I'm here.","start":1917.5688,"end":1918.3088,"sentiment":"positive","sentiment_score":0.39737100899219513},{"text":"Thanks, Larissa.","start":1919.0088,"end":1919.9088,"sentiment":"positive","sentiment_score":0.6343320608139038},{"text":"Thank you.","start":1922.2888,"end":1922.9288,"sentiment":"positive","sentiment_score":0.6925182044506073}],"sentiment":"positive","sentiment_score":0.4597422808408737,"num_words":10,"start":1914.22,"end":1922.9288},{"sentences":[{"text":"Alright.","start":1922.9288,"end":1923.4088,"sentiment":"positive","sentiment_score":0.4176526665687561},{"text":"Cool.","start":1923.4088,"end":1923.7289,"sentiment":"positive","sentiment_score":0.5878235101699829},{"text":"I won't hold you too long.","start":1923.7289,"end":1924.7688,"sentiment":"neutral","sentiment_score":0.1727601339419683},{"text":"All I gotta do is just book in that SOA presentation.","start":1924.7688,"end":1927.1888,"sentiment":"neutral","sentiment_score":0.20805166187611493}],"sentiment":"neutral","sentiment_score":0.22792659268567436,"num_words":19,"start":1922.9288,"end":1927.1888}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hello. Good afternoon.\n\nChannel 1: Larissa, it's Billy. How are you?\n\nChannel 0: Good. How are you, Billy? I don't have\n\nChannel 1: Very\n\nChannel 0: a fax\n\nChannel 1: good.\n\nChannel 0: line.\n\nChannel 1: No. That's alright. I've emailed it to you. So it's a little bit of a\n\nChannel 0: Oh.\n\nChannel 1: confusing one just because he was a bit pressed for time. He's actually one that was complete by someone on SGD, but he didn't qualify for them. So he's come over here. I sent you the SGD fact line, and then I've got his updated balance, And he's come out as a high growth investor.\n\nChannel 0: Okay. Did you send it to me personally, or did you send it\n\nChannel 1: Yeah.\n\nChannel 0: to\n\nChannel 1: I sent it\n\nChannel 0: not\n\nChannel 1: to lorissa\n\nChannel 0: me?\n\nChannel 1: at\n\nChannel 0: Okay.\n\nChannel 1: yeah. It's it'll be from my Gmail. It'll be from billybrinson@gmail.\n\nChannel 0: Did you just send it, or did you send it\n\nChannel 1: Yep.\n\nChannel 0: a\n\nChannel 1: I\n\nChannel 0: little\n\nChannel 1: sent it\n\nChannel 0: while\n\nChannel 1: a minute\n\nChannel 0: ago?\n\nChannel 1: ago.\n\nChannel 0: Okay. It's not through yet, but that's cool. That's\n\nChannel 1: Okay.\n\nChannel 0: fine.\n\nChannel 1: That's annoying.\n\nChannel 0: Hack penis. I'm just gonna keep rolling reloading.\n\nChannel 1: Alright. Well, do you want me to just do it the ultimate way and explain where his super is?\n\nChannel 0: Yeah. Let's\n\nChannel 1: Alright. So he's with Australian Super, a 100% in international shares.\n\nChannel 0: go.\n\nChannel 1: He has a 115,000.\n\nChannel 0: Yep.\n\nChannel 1: He works as hang on. Where he is a chartered accountant, and his gross income is a 168,000. Now his expenditure is about 1,500, and he saves anywhere from 500 to 1,000 a week. Looks like he's got a little bit of debt there. He's got about a million dollars in debt, but he obviously has he's got 903,000 debt, 1.3 no assets.\n\nHe's born in 1991. And I'm just checking for insurances now as well. It looks like he's got a million dollars life insurance, 57,000 PPD, 8,600 per month income protection, and he's paying or it just says $6.55. I'm assuming that's just for one. I'm not a 100% sure on what he's paying.\n\nI'll chase it up, though.\n\nChannel 0: That's okay.\n\nChannel 1: So I know it's a bit of a stuff around this one. I just he was a little bit pressed for time, so I just wanted to try and get it done quick with him.\n\nChannel 0: That that's cool. Oh, it just came through. His name's Harry.\n\nChannel 1: Oh. Oh,\n\nChannel 0: No.\n\nChannel 1: his name's Subin. Harry was the\n\nChannel 0: Stupid. My bad. Yep.\n\nChannel 1: yeah.\n\nChannel 0: It is.\n\nChannel 1: Harry\n\nChannel 0: Sorry.\n\nChannel 1: was the yeah. No. All good. Do you want me to check him\n\nChannel 0: Cool.\n\nChannel 1: over now?\n\nChannel 0: Yep. Yep. Let's\n\nChannel 1: Yeah?\n\nChannel 0: go.\n\nChannel 1: Are you are\n\nChannel 0: Yeah.\n\nChannel 1: you sure? It's up\n\nChannel 0: 100\n\nChannel 1: to you.\n\nChannel 0: percent.\n\nChannel 1: You ready?\n\nChannel 0: No. Go. Let's\n\nChannel 1: Alright.\n\nChannel 0: go. Yeah.\n\nChannel 1: Cool. I'll introduce you guys. Bear with me. Steven, you still there? Yep.\n\nMhmm. Yep. Sorry for the hold up there, mate. I've just got Larissa on the line. She's the adviser that I speak so fondly of.\n\nBut like I said, she's just gonna quickly run you through the next steps. It shouldn't take too long, mate. And then I'll catch up with you quickly after, if that's alright? Alright. No worries.\n\nPerfect. Go ahead, Larissa.\n\nChannel 0: Hi, Subin. How are you going?\n\nChannel 1: Hi, Larissa. I'm good. How are you?\n\nChannel 0: Yeah. Really good. Thank you. So look. We we work very, very similarly in in similar industries, so I'm not gonna, you know, fully explain what an adviser does because I'm sure you probably have a a pretty decent idea as to what my role is.\n\nChannel 1: Yep.\n\nChannel 0: But I'm here, like you do, to help people with their finances. You deal with a a, you know, tax advantageous areas of advice. I deal with, I guess, a lot of a lot of money growth areas.\n\nChannel 1: Yep.\n\nChannel 0: Now from a perspective of where you're currently sitting, I can see we obviously have there's a beautiful home that we're we're pretty heavy in debt on, which is\n\nChannel 1: Yes.\n\nChannel 0: which is perfect. That's okay. It's a it's a it's a debt that gives us an asset in the long run. And then\n\nChannel 1: Yeah.\n\nChannel 0: we've got the car loan. We've got a credit card. With the credit card, I just wanted to, I guess, find out, are we are we running the credit card up, or are we just using it from a point perspective? So we kind of put our monthly expenses on it and pay it off each month.\n\nChannel 1: Yeah. So everything's all my expense expenses are into credit card, and then I pay it off at end of\n\nChannel 0: Fantastic.\n\nChannel 1: the month. That's my job.\n\nChannel 0: Cool. You know? No. Perfect. So we're just kinda living living on and paying it off.\n\nChannel 1: Yeah. I just wanna get more points, you know, to\n\nChannel 0: Yes.\n\nChannel 1: travel.\n\nChannel 0: 100%. No. I get it. I do it\n\nChannel 1: Yep.\n\nChannel 0: through. It's all about\n\nChannel 1: Yep.\n\nChannel 0: the Qantas points and all about being able to go and travel.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Perfect. Now you also have a share portfolio. I know you can't access it, but is that like a share portfolio as in actual shares, or are we have we previously day traded? Are we is it, like, Bitcoin or in wallets or something like that?\n\nChannel 1: I'm just using superhero just to\n\nChannel 0: Yeah.\n\nChannel 1: I don't have much. I just have 2 k, and then I think I have 2 k about 2 k in CommBank.\n\nChannel 0: Yeah.\n\nChannel 1: What's that called? Pockets. Yeah. Com CommSec.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: No. Perfect.\n\nChannel 1: And, yeah,\n\nChannel 0: Yep.\n\nChannel 1: it's a mix of shares, and I've also in, I think, a few ETFs. Yeah.\n\nChannel 0: Amazing. Okay. Now I know that you went through, I guess, what we call an investor risk profile. And the whole point of an investor risk profile is to give a guidance on how risk adverse an individual person is.\n\nChannel 1: Yep.\n\nChannel 0: So with that, it gives us a very I guess, it's a very limited tool because all it's doing is giving me an idea as to whether you're willing to take a risk on the market. But there are\n\nChannel 1: Yep.\n\nChannel 0: levels of risk. Right? There's the day\n\nChannel 1: Yeah.\n\nChannel 0: trading level of risk where you're obviously buying and selling quite aggressively, and if you miss\n\nChannel 1: Yeah.\n\nChannel 0: a sale or you miss a buy, you lose out massively or\n\nChannel 1: Exactly.\n\nChannel 0: potentially\n\nChannel 1: Yeah.\n\nChannel 0: win. Then there's the risk avenue where you have, say, a percentage of assets invested in the market and a percentage of assets invested conservatively. And\n\nChannel 1: Yep.\n\nChannel 0: that's, you know, where you sit in terms of your risk profile is generally what is that avenue is. So someone that is a high risk taker would have, say, 80 to a 100% of their assets invested on the market, and then that remaining percentage would be conservative. And those conservative assets can still be an investment, but it's generally a conservative investment such as your government bonds, your\n\nChannel 1: Yep.\n\nChannel 0: fixed interest, your cash kind of assets. Now you've come out as a more aggressive investor. However, investing does go deeper than that because you then have avenues such as, as you said, ETFs, exchange trade\n\nChannel 1: Yep.\n\nChannel 0: funds. You've got your\n\nChannel 1: Mhmm.\n\nChannel 0: managed managed portfolios. You've, yep, managed funds, and then you've got your, you know, direct shares. Now, generally, when it comes to superannuation, we don't look too heavily at going direct share investing purely and simply because it means that you are increasing your risk by going direct share level because\n\nChannel 1: Mhmm.\n\nChannel 0: you're putting a large amount of your assets not only in an individual sector but in an individual company. What you wanna do is you obviously wanna diversify out a little bit\n\nChannel 1: Exactly.\n\nChannel 0: and have\n\nChannel 1: Yep. Yep.\n\nChannel 0: and and have your your assets invested across a a wide variety of sectors and company\n\nChannel 1: Yep.\n\nChannel 0: in a minute, you know, percentage. Because it means if company a were to to go down, well, you have, you know, b through to zed, so it's okay. Now with investing, what we do and what, I guess, the Oakview way is is that we do look a lot at we look at ETFs, we also look at managed funds, and it's dependent on what type of investor a client is as to how we go and proceed with investing. I know that you have you obviously have you know, you're familiar with ETFs, but what is your preference when it comes to investing? Are you looking for lower cost avenues to, you know, make sure that you aren't paying for high platform fees or high investment fees to, you know, just have your money kinda track, or are you looking to maybe pay a little bit more to get a better outcome or a potential better outcome, I should say?\n\nChannel 1: To answer that question, I would say so because I'm just mid-30s, I'm just investing for a long term.\n\nChannel 0: Yeah.\n\nChannel 1: So so that would work that would mean putting money into high aggressive assets, high growth assets. That makes sense.\n\nChannel 0: Yeah.\n\nChannel 1: But obviously, reducing the cost. I know that would be that wouldn't be an option, but obviously, it has to come with high value. But I'm I'm I'm open to options, like what options you would suggest.\n\nChannel 0: Yeah. Can I ask? Because you are you are quite young. Well, I mean, you are young. If I say quiet, it means that I'm not young either, and that brings me sadness.\n\nWe are quite we are young. So what I guess what sorry. It's been a day. You have quite a quite a long time before you're gonna be able to access this asset.\n\nChannel 1: Yep.\n\nChannel 0: And as I was explaining before, I guess, you can invest up to a 100% of an asset in the market. But you can go beyond that, and you can actually sort of invest, say, a 120 to a 180%. It's called leveraging or gearing. Have you ever heard of it?\n\nChannel 1: Yep. No.\n\nChannel 0: No? That's okay. That's okay. So because you are a high growth investor, it means that, you know, you're happy to take on risk. Right?\n\nChannel 1: Yeah.\n\nChannel 0: Now theoretically, we could, you know, we could invest a 100% of the assets that you have in the market, but it can go beyond that. And what you can do is you can actually borrow money to invest. Now personally,\n\nChannel 1: Yes.\n\nChannel 0: if you borrowed money to invest, you would go to a bank, you would borrow money, you would invest, you owe the bank the money back plus interest. Right? There's actually assets that you can invest in that that do the borrowing into into fund, so it reduces\n\nChannel 1: Yep.\n\nChannel 0: your risk completely. It's still very much it's called geared investing, but it allows you to take on a little bit more risk to an investment or to\n\nChannel 1: Right.\n\nChannel 0: the market\n\nChannel 1: Okay.\n\nChannel 0: as a whole\n\nChannel 1: Yep.\n\nChannel 0: without taking\n\nChannel 1: On\n\nChannel 0: on\n\nChannel 1: my\n\nChannel 0: a\n\nChannel 1: way.\n\nChannel 0: very, very large amount of risk. Is\n\nChannel 1: Yeah.\n\nChannel 0: that something or an avenue that you would be interested in looking at?\n\nChannel 1: So what sort of assets are you are you getting to invest to go? Is it like a mission property or is it a mix mix bag? Or\n\nChannel 0: Mixed\n\nChannel 1: is it\n\nChannel 0: bag, generally. You you there's there's ETFs. There's managed funds that do this. There's there's a lot that do. The the, you know, the managed funds that do invest in this area or the ETFs invest in this area.\n\nChannel 1: Alright. So\n\nChannel 0: You\n\nChannel 1: is\n\nChannel 0: know?\n\nChannel 1: the is the emission properties out of the picture, is it?\n\nChannel 0: What property? Sorry?\n\nChannel 1: The emission properties, like buying properties out of those, you know, additional funds that you get from the bank? Or are we just talking about shares?\n\nChannel 0: This\n\nChannel 1: You\n\nChannel 0: is\n\nChannel 1: know what I mean? Like\n\nChannel 0: yeah. So down this avenue in terms of geared investments are just shares that you purchase.\n\nChannel 1: Okay.\n\nChannel 0: And\n\nChannel 1: Yep.\n\nChannel 0: and you basically this the fund will borrow money from the bank, and they will invest a higher percentage in those stocks and shares on your behalf.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: It doesn't have to be an avenue that I look at or or investigate on your behalf. It just it was a question that I guess I wanted to, I guess, throw out there and ask to be able to, I guess, gauge how much of a risk taker you were because you are slightly you know, you're on that higher range. So whether you are more of, like, a, you know, the 90 to a 100% risk taker or whether maybe you do ebb over that little bit and you're willing to take that little bit extra risk for a longer term return.\n\nChannel 1: Yeah. Because I'm already exaggerating with my current home loan. I wouldn't go down the path of, you know, that year investment that you mentioned. So probably I would say I'm kind of going moderate in between.\n\nChannel 0: Yeah. No. Yeah. No. Absolutely.\n\nThat's fine. And, look, it's always something we can pick up during, you know, down the line, maybe\n\nChannel 1: Yeah.\n\nChannel 0: possibly\n\nChannel 1: Exactly.\n\nChannel 0: look at\n\nChannel 1: If you\n\nChannel 0: it\n\nChannel 1: can\n\nChannel 0: again.\n\nChannel 1: I can anytime change, I I would suppose? Right?\n\nChannel 0: Yeah.\n\nChannel 1: Over the\n\nChannel 0: Absolutely.\n\nChannel 1: down the line, I can just change the level of investments that I wanna take or\n\nChannel 0: Definitely.\n\nChannel 1: risk.\n\nChannel 0: Yes. Yeah. Yeah. Absolutely. We can we can investigate other areas.\n\nWe can do slight changes to how the portfolio sits and how it works.\n\nChannel 1: Yeah.\n\nChannel 0: Now, like like myself, you you have three children, don't you?\n\nChannel 1: I've got one.\n\nChannel 0: One child who is three. Sorry. I read that\n\nChannel 1: Yep. No. But\n\nChannel 0: wrong. Perfect. One child who's three. Three is a terrible age and also a perfectly beautiful age all at the same time, isn't it?\n\nChannel 1: yeah. It's the funny\n\nChannel 0: Yeah. I know. It's it's gorgeous.\n\nChannel 1: words.\n\nChannel 0: My youngest is five now, so I'm kind of over that that learn I mean, they always learn, but I'm over that, you know, little learning stage, and I'm onto the school stages, which is\n\nChannel 1: Oh,\n\nChannel 0: just\n\nChannel 1: yeah.\n\nChannel 0: a\n\nChannel 1: Yep.\n\nChannel 0: headache all on its own.\n\nChannel 1: Yeah. A lot of things comes up when when when you send school. Yeah. It's different for you.\n\nChannel 0: Oh, completely different experience, very much so. Okay. Perfect. So with I guess, back to the investing side of things. With the investing side of things, we're looking at, like, high aggressive investments, no not going into geared, but we wanna still focus on our reduced cost.\n\nSo we're looking sort of a a little bit towards the ETF route with maybe a\n\nChannel 1: Yep.\n\nChannel 0: little bit of, like, a mix in with our managed funds, something like that just to keep things spicy. Are there any other areas of advice that you wanna look at that's outside the superannuation realm? Do you have any personal goals that you and your family are aiming towards with respect to where you currently sit? You know, anything that you guys are aiming to to achieve, pay the mortgage off, pay the credit card sorry, car loan off, anything like that?\n\nChannel 1: Yeah. I'm kind of at the moment, I'm just trying to figure out how do I how do I close my car loan as soon as possible or\n\nChannel 0: Yeah.\n\nChannel 1: kind of I'm just researching different strategies that I can use because I'm not having a car loan with 7% interest. So I'm trying to kind of sell it now or use the innovative lease to buy another car or something like that. So I'm just in that stage where I'm kind of researching.\n\nChannel 0: Yeah.\n\nChannel 1: On on the other side of things, I'm also thinking of, obviously, increasing my income. So I've just asked my wife to kind of look for a job. She's or she's been in the job for about four years, and I think she's underpaid for kind of looking up for opportunities.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. And how much does she earn at the moment?\n\nChannel 1: She earns about $1.31 38 k.\n\nChannel 0: Okay.\n\nChannel 1: But in the market, I'm pretty sure for her role, I think it's about $1.81 90\n\nChannel 0: Okay.\n\nChannel 1: is easily achievable.\n\nChannel 0: Alright. So she's quite underpaid.\n\nChannel 1: Yeah. She's underpaid, but she's also very comfortable. You know? She's working from home, and her boss is in Adelaide and you know? It's very\n\nChannel 0: Yeah.\n\nChannel 1: flexible.\n\nChannel 0: Yeah. Yeah. And with with a kid at home, it sometimes the flexibility\n\nChannel 1: Yeah.\n\nChannel 0: is nice as well.\n\nChannel 1: Yeah.\n\nChannel 0: Alright.\n\nChannel 1: It's very nice.\n\nChannel 0: Absolutely. Now the money that we're saving at the moment, because, as I understand, we're putting sort of 500 to $1,000 away each week. Are we directing that towards anything specific? Are we usually utilizing that to pay off the car loan more aggressively? Are we just putting it in the offset account?\n\nIs it going away for a holiday? Is there anything that that money is specifically being targeted towards?\n\nChannel 1: Yeah. It's it's more of, like, paying off credit cards and, you know, and I try to also kind of put some some money into the shares as well.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. And then, yeah, it's mostly paying off credit cards and putting a little bit into shares. And also, I send money to my overseas account as well. So\n\nChannel 0: Yeah.\n\nChannel 1: I kind of invest overseas as well.\n\nChannel 0: Okay.\n\nChannel 1: But really, very small investment overseas.\n\nChannel 0: No. That's okay. Alright. No. That's perfect.\n\nSo with the money that you're saving, you you're directing it to to different avenues already.\n\nChannel 1: Yep.\n\nChannel 0: Is, I guess, additional contribution something that you would be interested in, given that you are sitting on a higher ish income, or are we happy to just keep saving where we're currently saving?\n\nChannel 1: Yeah. I wouldn't mind getting some advice on my tax because I'm I'm on the highest bracket, I suppose, around thirty thirty seven to 45 bracket.\n\nChannel 0: Yeah.\n\nChannel 1: Probably, do you provide tax advice or how to save\n\nChannel 0: Yep.\n\nChannel 1: on tax?\n\nChannel 0: Yeah. I am registered in in being able to I'm obviously not an accountant level. There are some limitations. Like, I can't do your tax return or your BAS statement, but I can definitely talk about tax.\n\nChannel 1: Obviously, I was just thinking\n\nChannel 0: Yeah.\n\nChannel 1: my question was around the investment options, which is really data.\n\nChannel 0: Yeah. No. Definitely. So I guess the biggest the biggest question with any kind of, I guess, tax advice and investing comes down to, first and foremost, do you want the funds to be accessible to you immediately? So let's just say we do go and invest money.\n\nDo you want those funds to be accessible to you, or are you happy to, say, put them into your superannuation where they're they're preserved and you can't touch them?\n\nChannel 1: Okay. Yeah. I would yeah. I wouldn't access my super for anything like but to your question, to add more contributions to it, I can probably consider.\n\nChannel 0: Yeah. Okay. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: I guess the last question I probably have is because you do have a kid, you have a three year old, and we know that children cost money. I have three, so trust me. They cost a lot of money. Do you wanna look at maybe putting, like, a savings account together for your kid? Something that you could maybe tax effectively have as an avenue to be able to as an avenue to be able to, like, maybe put money away for them to buy their first car or put money away for them to have a savings account for a house deposit for themselves in the future.\n\nSomething that maybe is locked away so you can't touch it. Something that's a little bit,\n\nChannel 1: Oh,\n\nChannel 0: I\n\nChannel 1: wow.\n\nChannel 0: guess,\n\nChannel 1: I\n\nChannel 0: there\n\nChannel 1: haven't\n\nChannel 0: for\n\nChannel 1: thought\n\nChannel 0: them.\n\nChannel 1: about it, but yeah. I haven't thought about that before. But\n\nChannel 0: No. That's okay.\n\nChannel 1: yeah. It's a it's a good one to consider, though.\n\nChannel 0: Yeah. Look. It can just be it can just be that. It's an open ended question, and it doesn't have to be something that you need to have an answer for now. Realistically, if we enter into an ongoing relationship moving forward and and, you know, and I give you advice each year as we as we move through, because realistically, that's what would happen, is we would enter into a a relationship and I would contact you yearly at a minimum, and we would be able to go through conversations like this, possibly even speak to your wife down the line and look at, you know, doing advice together, And whether that advice looks like, you know, purchasing investment properties or looking at savings accounts for, you know, your child right now and maybe future kids down the line, we could look at doing that.\n\nIt doesn't have to be. We don't have to do everything in one conversation. Sometimes things can be two to three to five years down the line that we we look at. But sometimes it's just good to have that question or for me to ask that question to for you to start thinking about it as something for you to consider.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Cool. Because a a lot of parents will set up what's called like a a a Commonwealth Kidsaver account. You know, they'll chuck $10 a week into the account and money just sits there earning absolutely nothing. And sometimes\n\nChannel 1: Welcome.\n\nChannel 0: it's just better to look at a different avenue than, you know, just having a bank account that's not really earning too much. So I just wanted to I always like asking those questions. I because I've been in the industry for ten years, have did exactly that. I've set up bank accounts for my kids. My eldest is 13, so he he'll be buying a car.\n\nScary, but he buys a car in just a few more years, and he's already got\n\nChannel 1: Yeah.\n\nChannel 0: the money sitting\n\nChannel 1: You're\n\nChannel 0: there\n\nChannel 1: right.\n\nChannel 0: ready to go.\n\nChannel 1: Yeah. Correct.\n\nChannel 0: Yeah. Trust me. You blink it away. I remember when my kid my I remember when my eldest was three. Decade goes pretty quick.\n\nChannel 1: Yeah. Absolutely. But having having said that, like, I'm I'm happy to open to open one account for my daughter for sure.\n\nChannel 0: Yeah, okay.\n\nChannel 1: But I really didn't think about it.\n\nChannel 0: No.\n\nChannel 1: I can\n\nChannel 0: That's\n\nChannel 1: use\n\nChannel 0: okay.\n\nChannel 1: the service.\n\nChannel 0: If we were to open an account, how much would you wanna put in from an initial point of view? I can we obviously have the money sitting in the offset. Would you be willing to contribute some of the money in the offset, say, 2 to 5,000 to open an account and then, say, put $10 a week into that that fund, or what would you sort of what would be the parameters that you would look at investing under that?\n\nChannel 1: Yeah. I'll put some probably $50 or something like that going into that account and probably not touch it, like,\n\nChannel 0: Yep.\n\nChannel 1: set up some direct debit, something like that.\n\nChannel 0: Yep.\n\nChannel 1: But, obviously, also, I need to pay off my home loan as\n\nChannel 0: Yeah. So we don't wanna we don't wanna,\n\nChannel 1: well.\n\nChannel 0: I guess, do anything to affect paying off the home loan. Yeah.\n\nChannel 1: Yeah. Yeah. Obviously, all your strategies would kind of help me to kind of pay up the home loan as well, I took them over the years.\n\nChannel 0: Yes. Yeah. Yeah. Definitely. We can we can look at different strategies to make sure that we're paying off the home loan as we move through.\n\nWe can look at budgeting and how we can\n\nChannel 1: Yeah.\n\nChannel 0: better budget for the home loan. But, again, not\n\nChannel 1: Yep.\n\nChannel 0: something we we look at biting into initially. We kind of we step it out each year to kind of add a different area or layer of advice\n\nChannel 1: Yep.\n\nChannel 0: as we move through.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Alright. Cool. So $50 a week is what we sort of look at to to contribute towards can I ask what your child's name is? So that way I I stop referring to them as\n\nChannel 1: Nora?\n\nChannel 0: your child.\n\nChannel 1: Nora?\n\nChannel 0: No n o r a?\n\nChannel 1: Yeah. No. N o r a h. Nora. Yep.\n\nChannel 0: Nora. Perfect. Beautiful. Alright. So yeah.\n\nSo, you know, put $50 per week away from Nora, and then we look at, I guess, having a look at where we can go with our superannuation. The one thing I think I've probably noticed glaringly was it looks like you've obviously increased your life insurance with Australian Super to a million dollars, but your total permanent disability insurance is still really low. Was that intentional, or was it you it just wasn't sort of something that you thought of at the time?\n\nChannel 1: Did I increase it by 1,000,000? I think it is 1,000,000. You say\n\nChannel 0: Yes.\n\nChannel 1: 1,000,000, 2,000,000.\n\nChannel 0: One one one one one.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: One\n\nChannel 1: I've increased\n\nChannel 0: million.\n\nChannel 1: to\n\nChannel 0: Yeah.\n\nChannel 1: one. Yes. And then you say my\n\nChannel 0: Your total yeah. The disability cover sits at fifty six fifty seven thousand. Sorry.\n\nChannel 1: yeah. I think I did that intentionally. One second. Just double second. So is that what you have there in in I think from\n\nChannel 0: Yeah. I have\n\nChannel 1: do you have a live view of my or\n\nChannel 0: no.\n\nChannel 1: super\n\nChannel 0: I\n\nChannel 1: or\n\nChannel 0: just\n\nChannel 1: it's just\n\nChannel 0: no.\n\nChannel 1: no. Okay.\n\nChannel 0: Just just the details that we obtained from our\n\nChannel 1: Alright.\n\nChannel 0: super.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: So you're probably\n\nChannel 0: And\n\nChannel 1: right. Yeah. I put that yeah. I've increased my cover. And I think I think in previously, I didn't have\n\nChannel 0: life.\n\nChannel 1: a TPD, so I just added it\n\nChannel 0: That's a life.\n\nChannel 1: 56. Yeah.\n\nChannel 0: No. That's okay. Cool. So what I'll look at is I'll look at different avenues for, like, life insurance, total permanent disability, to see what we can get in that realm because I am concerned that if you were never able to work again, so let's just say you suffered a severe stroke because your job is obviously very mind based, it requires you to be attentive, switched on, and capable of doing your the tasks.\n\nChannel 1: Yep.\n\nChannel 0: If you were no longer able to do your job, your family's gonna get paid out $57,000, which is taxed at 22%, which means that your wife is gonna be left with a very large mortgage. But your car loan's gonna be paid off, so happy days. It just it very sarcastically saying it's not gonna be enough to cover what we need.\n\nChannel 1: Not enough.\n\nChannel 0: So,\n\nChannel 1: Yeah. I don't.\n\nChannel 0: yeah,\n\nChannel 1: Yeah.\n\nChannel 0: so what I'm gonna look down I'll look at avenues down that line to see what we have available to us in the insurance scope to see whether we can, you know, a, beat it, meet it. I can do quotes up under AustralianSuper as well to make sure I'm obviously considering that from an increased perspective and go from there. I think\n\nChannel 1: And\n\nChannel 0: the\n\nChannel 1: we\n\nChannel 0: only\n\nChannel 1: also\n\nChannel 0: thing\n\nChannel 1: want\n\nChannel 0: I\n\nChannel 1: the underwriting policy as well. Right? This is I don't think it's medically underwritten. I didn't have I didn't have any questions asked by the hospital. They just gave me a base cover, and I just topped it up.\n\nYou\n\nChannel 0: Yeah.\n\nChannel 1: know what I mean? Yep.\n\nChannel 0: Yeah. Yeah. They would have just they would you would have had to answer probably four questions, and it would have been your age, your occupation, and,\n\nChannel 1: Yeah. That's\n\nChannel 0: you know,\n\nChannel 1: right. Yeah.\n\nChannel 0: are you sick and dying, basically, is the questions they ask. Really limited scope.\n\nChannel 1: Yeah.\n\nChannel 0: So yeah. So I'll I'll have a look at at where we land with their cover if we did increase it, and then I'll have a look at the open market and see what's available to us in that realm. Are you you're obviously comfortable with the million dollars kind of area because that leaves you debt free. Would you wanna look at anything additional to the million, or is a million sort of where your where your comfort level sits?\n\nChannel 1: Yeah. That's my comfort level for now.\n\nChannel 0: Yeah. No. Perfect. I\n\nChannel 1: But,\n\nChannel 0: would\n\nChannel 1: yeah,\n\nChannel 0: never\n\nChannel 1: we\n\nChannel 0: I'd\n\nChannel 1: can test the bed. Yeah.\n\nChannel 0: I never wanna over insure someone, but at the same time, I'm very realistic. If anything\n\nChannel 1: Mhmm. Yeah. I\n\nChannel 0: happens\n\nChannel 1: know.\n\nChannel 0: to you,\n\nChannel 1: Okay.\n\nChannel 0: you'll you know, is your wife able to live comfortably with a house paid off and let's just say it's gonna be sort of, like, $300,000 left in the bank? By the time the house is paid off, you know, possibly sell your car, your superannuation pays out. She'll have $300,000 left in the bank. That gives her, say, three, four years that she can take off work to sort\n\nChannel 1: Yeah.\n\nChannel 0: of figure out what her normal is and just live off the that savings. Is that for your family, is that something that you're comfortable doing?\n\nChannel 1: Yeah. Yeah. I think quite comfortable with, yeah, with the current\n\nChannel 0: Perfect.\n\nChannel 1: setup.\n\nChannel 0: Yeah.\n\nChannel 1: Mhmm.\n\nChannel 0: Cool. So a million dollars is where our comfort level sits a 100%. Amazing. So I'll look at that area of of advice as well. I'll look at the child savings strategy as well, and then we can go from there with regards to how we kind of, I guess, put it all together and how it work for us.\n\nChannel 1: Yeah.\n\nChannel 0: Obviously, as we move through, again, working together ongoing, we can pull your wife in and we can we can have a chat to her about, you know, where together as a couple, where we're on track for, see whether any\n\nChannel 1: Yep.\n\nChannel 0: other areas of advice that we might wanna look at, investment properties, investment accounts, so on and so forth, and and work from there moving forward. Alright?\n\nChannel 1: Is is there a possibility we can combine our super? Is that possible? Or every digital has to have a separate account?\n\nChannel 0: No. So there is so there's there's basically two ways that you can invest. You can invest in what's called an APRA, a p r a, regulated fund, which is like your\n\nChannel 1: Yeah.\n\nChannel 0: Australian super, your,\n\nChannel 1: Yep.\n\nChannel 0: you know,\n\nChannel 1: Yep.\n\nChannel 0: or super, your retail funds, everything like that, or you can invest in what's called a self managed super fund, which, obviously, you would know about. A self managed super fund is and does operate the way the same way that a APRA fund regulates. However, you become the trustee. So you are required to deal with all of the regulatory\n\nChannel 1: Yeah.\n\nChannel 0: mandates for the fund.\n\nChannel 1: Yeah.\n\nChannel 0: You have to report.\n\nChannel 1: Yep.\n\nChannel 0: You have to audit, so on and so forth. But, essentially, under that that fund, you would have merged monies. So you could merge both of the superannuation\n\nChannel 1: My export\n\nChannel 0: funds\n\nChannel 1: yeah. Yeah. Got\n\nChannel 0: into\n\nChannel 1: that.\n\nChannel 0: one,\n\nChannel 1: Yeah.\n\nChannel 0: and you could then utilize the funds together to invest, buy a property, so on and so forth, underneath the\n\nChannel 1: Okay.\n\nChannel 0: SMSF. There's still\n\nChannel 1: So\n\nChannel 0: two\n\nChannel 1: do you provide\n\nChannel 0: technical\n\nChannel 1: that advice\n\nChannel 0: accounts.\n\nChannel 1: at all?\n\nChannel 0: I can definitely set up an SMSF. It would require me to talk to both of you to go down that avenue\n\nChannel 1: Yeah. Yeah. Yeah. Yeah.\n\nChannel 0: to be able to enter into something like an SMSF transaction. Because if we're looking at an SMSF, we're looking at two people. I'll be very, very clear that we do not offer an auditing service. We would engage an accountant or you would engage an accountant to audit the fund, so on and so forth, and do the annual\n\nChannel 1: Mhmm.\n\nChannel 0: tax\n\nChannel 1: Right.\n\nChannel 0: returns to the fund. So we don't\n\nChannel 1: Okay.\n\nChannel 0: we're not an accountant. We don't audit or anything like that. We can just\n\nChannel 1: Yeah.\n\nChannel 0: provide\n\nChannel 1: Yeah.\n\nChannel 0: the advice on how to invest\n\nChannel 1: Advised.\n\nChannel 0: and where\n\nChannel 1: Yep.\n\nChannel 0: to go from that. Yeah. So is an\n\nChannel 1: Mhmm.\n\nChannel 0: SMSF fund something that you are more so leading towards, or\n\nChannel 1: Yeah.\n\nChannel 0: do\n\nChannel 1: Yeah.\n\nChannel 0: you wanna\n\nChannel 1: Maybe\n\nChannel 0: look at\n\nChannel 1: maybe\n\nChannel 0: us?\n\nChannel 1: consider in the future. Yeah. For sure.\n\nChannel 0: Yeah. Yeah. Again, sometimes it might be a two to five year plan down the line.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Amazing. Alright. Well, I'll start getting things together based on what we've talked about, and we'll be able to go from there. But what I can do is is Billy wanted to have a chat to you before I left the call.\n\nSo I'll pop you back over to Billy, and\n\nChannel 1: Yeah.\n\nChannel 0: he'll be able\n\nChannel 1: And in\n\nChannel 0: to\n\nChannel 1: terms\n\nChannel 0: you haven't\n\nChannel 1: of next\n\nChannel 0: been\n\nChannel 1: steps, so you're gonna\n\nChannel 0: Yeah.\n\nChannel 1: prepare a SOA, is it? And advise\n\nChannel 0: Yeah. Yes.\n\nChannel 1: with\n\nChannel 0: Yes. I'm\n\nChannel 1: with all the\n\nChannel 0: sorry.\n\nChannel 1: details and the fees and all that is\n\nChannel 0: Correct.\n\nChannel 1: kind of\n\nChannel 0: Yeah.\n\nChannel 1: what I'm expecting. Yep. Alright.\n\nChannel 0: Yes. Yeah. So\n\nChannel 1: Cool.\n\nChannel 0: the next avenue is I go away and start researching things, pull things apart, and have a look at where everything fits from a numbers perspective.\n\nChannel 1: Yep. Okay.\n\nChannel 0: And then I put that together in a document called a statement of advice, and then\n\nChannel 1: Yep.\n\nChannel 0: we get back together and I present that advice to you. And yeah. And then once you're happy with it, we implement it all, get it all up and running, and and go from there.\n\nChannel 1: Alright. Sounds good. Yeah. Cool. Thanks,\n\nChannel 0: Yeah.\n\nChannel 1: Larissa. I was very cool. Yep.\n\nChannel 0: Amazing. Give me one moment. I'll pop you back over to Billy.\n\nChannel 1: No worries. Hey, guys. I'm here. Thanks, Larissa.\n\nChannel 0: Thanks, guys. Bye.\n\nChannel 1: Thank you. Alright. Cool. I won't hold you too long. All I gotta do is just book in that SOA presentation.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.52,"end":2.0,"sentiment":"neutral","sentiment_score":0.13196873664855957},{"text":"Good afternoon.","start":2.0,"end":2.74,"sentiment":"positive","sentiment_score":0.3633784204721451}],"sentiment":"neutral","sentiment_score":0.2862418591976166,"channel":0,"num_words":3,"start":1.52,"end":2.74},{"sentences":[{"text":"Larissa, it's Billy.","start":3.52,"end":4.48,"sentiment":"neutral","sentiment_score":0.31380407015482586},{"text":"How are you?","start":4.48,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.28212592999140423}],"sentiment":"neutral","sentiment_score":0.29796500007311505,"channel":1,"num_words":6,"start":3.52,"end":5.2999997},{"sentences":[{"text":"Good.","start":5.44,"end":5.8399997,"sentiment":"positive","sentiment_score":0.3813502490520478},{"text":"How are you, Billy?","start":5.8399997,"end":6.72,"sentiment":"neutral","sentiment_score":0.22642115876078606},{"text":"I don't have","start":6.72,"end":7.3599997,"sentiment":"neutral","sentiment_score":-0.08124289909998576}],"sentiment":"neutral","sentiment_score":0.13041327334940434,"channel":0,"num_words":8,"start":5.44,"end":7.3599997},{"sentences":[{"text":"Very","start":7.3599997,"end":7.7599998,"sentiment":"neutral","sentiment_score":-0.012177444994449615}],"sentiment":"neutral","sentiment_score":-0.012177444994449615,"channel":1,"num_words":1,"start":7.3599997,"end":7.7599998},{"sentences":[{"text":"a fax","start":7.3599997,"end":7.9199996,"sentiment":"neutral","sentiment_score":-0.022883374243974686}],"sentiment":"neutral","sentiment_score":-0.022883374243974686,"channel":0,"num_words":2,"start":7.3599997,"end":7.9199996},{"sentences":[{"text":"good.","start":7.7599998,"end":8.26,"sentiment":"neutral","sentiment_score":0.03779786825180054}],"sentiment":"neutral","sentiment_score":0.03779786825180054,"channel":1,"num_words":1,"start":7.7599998,"end":8.26},{"sentences":[{"text":"line.","start":7.9199996,"end":8.42,"sentiment":"neutral","sentiment_score":-0.007021030411124229}],"sentiment":"neutral","sentiment_score":-0.007021030411124229,"channel":0,"num_words":1,"start":7.9199996,"end":8.42},{"sentences":[{"text":"No.","start":8.8,"end":9.12,"sentiment":"neutral","sentiment_score":-0.09753584116697311},{"text":"That's alright.","start":9.12,"end":9.599999,"sentiment":"neutral","sentiment_score":-0.027740512043237686},{"text":"I've emailed it to you.","start":9.599999,"end":10.48,"sentiment":"neutral","sentiment_score":0.026554787904024123},{"text":"So it's a little bit of a","start":10.48,"end":11.94,"sentiment":"neutral","sentiment_score":-0.09803543984889984}],"sentiment":"neutral","sentiment_score":-0.04709940031170845,"channel":1,"num_words":15,"start":8.8,"end":11.94},{"sentences":[{"text":"Oh.","start":12.16,"end":12.66,"sentiment":"neutral","sentiment_score":-0.16407066583633423}],"sentiment":"neutral","sentiment_score":-0.16407066583633423,"channel":0,"num_words":1,"start":12.16,"end":12.66},{"sentences":[{"text":"confusing one just because he was a bit pressed for time.","start":12.655,"end":14.975,"sentiment":"neutral","sentiment_score":-0.2556771852753379},{"text":"He's actually one that was complete by someone on SGD, but he didn't qualify for them.","start":14.975,"end":20.735,"sentiment":"neutral","sentiment_score":-0.08097867527976632},{"text":"So he's come over 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very","start":973.515,"end":974.075,"sentiment":"neutral","sentiment_score":0.32835249602794647}],"sentiment":"neutral","sentiment_score":0.14867872938513757,"channel":1,"num_words":25,"start":966.315,"end":974.075},{"sentences":[{"text":"Yeah.","start":973.85,"end":974.35,"sentiment":"neutral","sentiment_score":0.30801209807395935}],"sentiment":"neutral","sentiment_score":0.30801209807395935,"channel":0,"num_words":1,"start":973.85,"end":974.35},{"sentences":[{"text":"flexible.","start":974.075,"end":974.575,"sentiment":"neutral","sentiment_score":0.3299325704574585}],"sentiment":"neutral","sentiment_score":0.3299325704574585,"channel":1,"num_words":1,"start":974.075,"end":974.575},{"sentences":[{"text":"Yeah.","start":975.37,"end":975.76996,"sentiment":"neutral","sentiment_score":0.2930483818054199},{"text":"Yeah.","start":975.76996,"end":976.08997,"sentiment":"neutral","sentiment_score":0.2542262077331543},{"text":"And with with a kid at home, it sometimes the 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okay.","start":1042.995,"end":1043.815,"sentiment":"neutral","sentiment_score":-0.020449643954634666},{"text":"Alright.","start":1044.37,"end":1044.69,"sentiment":"neutral","sentiment_score":0.06620483100414276},{"text":"No.","start":1044.69,"end":1044.9299,"sentiment":"neutral","sentiment_score":0.06557910144329071},{"text":"That's perfect.","start":1044.9299,"end":1045.6699,"sentiment":"neutral","sentiment_score":0.22311141341924667}],"sentiment":"neutral","sentiment_score":0.07004417958004135,"channel":0,"num_words":7,"start":1042.755,"end":1045.6699},{"sentences":[{"text":"So with the money that you're saving, you you're directing it to to different avenues 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level.","start":1079.26,"end":1082.88,"sentiment":"neutral","sentiment_score":0.025326499116740057},{"text":"There are some limitations.","start":1083.82,"end":1085.12,"sentiment":"negative","sentiment_score":-0.35623371601104736},{"text":"Like, I can't do your tax return or your BAS statement, but I can definitely talk about tax.","start":1085.34,"end":1090.535,"sentiment":"neutral","sentiment_score":-0.32630226926671135}],"sentiment":"neutral","sentiment_score":-0.18686657874668772,"channel":0,"num_words":37,"start":1078.94,"end":1090.535},{"sentences":[{"text":"Obviously, I was just 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money.","start":1112.885,"end":1115.0651,"sentiment":"neutral","sentiment_score":0.16827226430177689}],"sentiment":"neutral","sentiment_score":0.024472880371225376,"channel":0,"num_words":48,"start":1095.9551,"end":1115.0651},{"sentences":[{"text":"Do you want those funds to be accessible to you, or are you happy to, say, put them into your superannuation where they're they're preserved and you can't touch them?","start":1116.245,"end":1127.305,"sentiment":"neutral","sentiment_score":0.0732748136545221}],"sentiment":"neutral","sentiment_score":0.0732748136545221,"channel":0,"num_words":30,"start":1116.245,"end":1127.305},{"sentences":[{"text":"Okay.","start":1129.315,"end":1129.7949,"sentiment":"neutral","sentiment_score":0.023355400189757347},{"text":"Yeah.","start":1129.7949,"end":1130.035,"sentiment":"neutral","sentiment_score":0.03423706814646721},{"text":"I would yeah.","start":1130.035,"end":1132.115,"sentiment":"neutral","sentiment_score":0.010015433033307394},{"text":"I wouldn't access my super for anything like but to your question, to add more contributions to it, I can probably 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probably have is because you do have a kid, you have a three year old, and we know that children cost money.","start":1143.325,"end":1150.945,"sentiment":"neutral","sentiment_score":0.1354793860976185},{"text":"I have three, so trust me.","start":1151.565,"end":1153.1649,"sentiment":"neutral","sentiment_score":0.16405325631300607},{"text":"They cost a lot of money.","start":1153.1649,"end":1154.465,"sentiment":"neutral","sentiment_score":0.07290211692452431},{"text":"Do you wanna look at maybe putting, like, a savings account together for your kid?","start":1156.3401,"end":1163.0,"sentiment":"neutral","sentiment_score":0.22135821630557379},{"text":"Something that you could maybe tax effectively have as an avenue to be able to as an avenue to be able to, like, maybe put money away for them to buy their first car or put money away for them to have a savings account for a house deposit for themselves in the 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is?","start":1396.875,"end":1403.675,"sentiment":"neutral","sentiment_score":0.08292836825484814},{"text":"So that way I I stop referring to them as","start":1403.675,"end":1405.5951,"sentiment":"neutral","sentiment_score":-0.005667524971067905}],"sentiment":"neutral","sentiment_score":0.0825362767920726,"channel":0,"num_words":36,"start":1395.8351,"end":1405.5951},{"sentences":[{"text":"Nora?","start":1405.55,"end":1406.05,"sentiment":"neutral","sentiment_score":-0.004758590832352638}],"sentiment":"neutral","sentiment_score":-0.004758590832352638,"channel":1,"num_words":1,"start":1405.55,"end":1406.05},{"sentences":[{"text":"your 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time?","start":1441.04,"end":1447.14,"sentiment":"neutral","sentiment_score":-0.2479012668132782}],"sentiment":"neutral","sentiment_score":-0.19509639606500664,"channel":0,"num_words":84,"start":1417.41,"end":1447.14},{"sentences":[{"text":"Did I increase it by 1,000,000?","start":1449.52,"end":1451.4601,"sentiment":"neutral","sentiment_score":-0.05488144792616367},{"text":"I think it is 1,000,000.","start":1451.68,"end":1453.14,"sentiment":"neutral","sentiment_score":-0.027362715825438498},{"text":"You 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expecting.","start":1882.83,"end":1883.71,"sentiment":"neutral","sentiment_score":-0.15816072126229605},{"text":"Yep.","start":1883.71,"end":1884.03,"sentiment":"neutral","sentiment_score":0.0772223249077797},{"text":"Alright.","start":1884.03,"end":1884.53,"sentiment":"neutral","sentiment_score":0.13871712982654572}],"sentiment":"neutral","sentiment_score":-0.05170854181051254,"channel":1,"num_words":5,"start":1882.83,"end":1884.53},{"sentences":[{"text":"Yes.","start":1884.3,"end":1884.7001,"sentiment":"neutral","sentiment_score":0.17321740090847015},{"text":"Yeah.","start":1884.7001,"end":1884.9401,"sentiment":"neutral","sentiment_score":0.26212430000305176},{"text":"So","start":1884.9401,"end":1885.1,"sentiment":"positive","sentiment_score":0.5309382081031799}],"sentiment":"neutral","sentiment_score":0.32209330300490063,"channel":0,"num_words":3,"start":1884.3,"end":1885.1},{"sentences":[{"text":"Cool.","start":1885.07,"end":1885.57,"sentiment":"neutral","sentiment_score":0.016317039728164673}],"sentiment":"neutral","sentiment_score":0.016317039728164673,"channel":1,"num_words":1,"start":1885.07,"end":1885.57},{"sentences":[{"text":"the next avenue is I go away and start researching things, pull things apart, and have a look at where everything fits from a numbers perspective.","start":1885.1,"end":1891.52,"sentiment":"neutral","sentiment_score":0.09910039288493303}],"sentiment":"neutral","sentiment_score":0.09910039288493303,"channel":0,"num_words":26,"start":1885.1,"end":1891.52},{"sentences":[{"text":"Yep.","start":1892.085,"end":1892.405,"sentiment":"neutral","sentiment_score":0.14822818338871002},{"text":"Okay.","start":1892.405,"end":1892.905,"sentiment":"neutral","sentiment_score":0.17769399285316467}],"sentiment":"neutral","sentiment_score":0.16296108812093735,"channel":1,"num_words":2,"start":1892.085,"end":1892.905},{"sentences":[{"text":"And then I put that together in a document called a statement of advice, and then","start":1892.515,"end":1896.115,"sentiment":"neutral","sentiment_score":0.20008524041622877}],"sentiment":"neutral","sentiment_score":0.20008524041622877,"channel":0,"num_words":16,"start":1892.515,"end":1896.115},{"sentences":[{"text":"Yep.","start":1896.085,"end":1896.585,"sentiment":"neutral","sentiment_score":0.16128087043762207}],"sentiment":"neutral","sentiment_score":0.16128087043762207,"channel":1,"num_words":1,"start":1896.085,"end":1896.585},{"sentences":[{"text":"we get back together and I present that advice to you.","start":1896.115,"end":1899.095,"sentiment":"positive","sentiment_score":0.33961502530358056},{"text":"And yeah.","start":1899.875,"end":1901.155,"sentiment":"neutral","sentiment_score":0.31213435530662537},{"text":"And then once you're happy with it, we implement it all, get it all up and running, and and go from there.","start":1901.155,"end":1906.47,"sentiment":"positive","sentiment_score":0.36497279527512466}],"sentiment":"positive","sentiment_score":0.35398387100015366,"channel":0,"num_words":35,"start":1896.115,"end":1906.47},{"sentences":[{"text":"Alright.","start":1907.1799,"end":1907.5,"sentiment":"positive","sentiment_score":0.48530539870262146},{"text":"Sounds good.","start":1907.5,"end":1908.14,"sentiment":"positive","sentiment_score":0.6800878942012787},{"text":"Yeah.","start":1908.14,"end":1908.5399,"sentiment":"positive","sentiment_score":0.5117337107658386},{"text":"Cool.","start":1908.5399,"end":1908.94,"sentiment":"positive","sentiment_score":0.6590427756309509},{"text":"Thanks,","start":1908.94,"end":1909.26,"sentiment":"positive","sentiment_score":0.6688777208328247}],"sentiment":"positive","sentiment_score":0.6141892323891321,"channel":1,"num_words":6,"start":1907.1799,"end":1909.26},{"sentences":[{"text":"Yeah.","start":1909.03,"end":1909.53,"sentiment":"positive","sentiment_score":0.55484938621521}],"sentiment":"positive","sentiment_score":0.55484938621521,"channel":0,"num_words":1,"start":1909.03,"end":1909.53},{"sentences":[{"text":"Larissa.","start":1909.26,"end":1909.74,"sentiment":"positive","sentiment_score":0.4991875886917114},{"text":"I was very cool.","start":1909.74,"end":1910.72,"sentiment":"positive","sentiment_score":0.7693841010332108},{"text":"Yep.","start":1910.94,"end":1911.44,"sentiment":"positive","sentiment_score":0.5522372722625732}],"sentiment":"positive","sentiment_score":0.6881602108478546,"channel":1,"num_words":6,"start":1909.26,"end":1911.44},{"sentences":[{"text":"Amazing.","start":1911.11,"end":1911.59,"sentiment":"positive","sentiment_score":0.7555842399597168},{"text":"Give me one moment.","start":1911.59,"end":1912.39,"sentiment":"positive","sentiment_score":0.4781384989619255},{"text":"I'll pop you back over to Billy.","start":1912.39,"end":1913.9299,"sentiment":"positive","sentiment_score":0.39097160526684355}],"sentiment":"positive","sentiment_score":0.4504116227229436,"channel":0,"num_words":12,"start":1911.11,"end":1913.9299},{"sentences":[{"text":"No worries.","start":1914.22,"end":1915.0399,"sentiment":"neutral","sentiment_score":0.22906941175460815},{"text":"Hey, guys.","start":1917.0088,"end":1917.5688,"sentiment":"positive","sentiment_score":0.3454207181930542},{"text":"I'm here.","start":1917.5688,"end":1918.3088,"sentiment":"positive","sentiment_score":0.39737100899219513},{"text":"Thanks, Larissa.","start":1919.0088,"end":1919.9088,"sentiment":"positive","sentiment_score":0.6343320608139038}],"sentiment":"positive","sentiment_score":0.4015482999384403,"channel":1,"num_words":8,"start":1914.22,"end":1919.9088},{"sentences":[{"text":"Thanks, guys.","start":1920.679,"end":1921.559,"sentiment":"positive","sentiment_score":0.7165809571743011},{"text":"Bye.","start":1921.559,"end":1922.059,"sentiment":"positive","sentiment_score":0.5067062377929688}],"sentiment":"positive","sentiment_score":0.6466227173805237,"channel":0,"num_words":3,"start":1920.679,"end":1922.059},{"sentences":[{"text":"Thank you.","start":1922.2888,"end":1922.9288,"sentiment":"positive","sentiment_score":0.6925182044506073},{"text":"Alright.","start":1922.9288,"end":1923.4088,"sentiment":"positive","sentiment_score":0.4176526665687561},{"text":"Cool.","start":1923.4088,"end":1923.7289,"sentiment":"positive","sentiment_score":0.5878235101699829},{"text":"I won't hold you too long.","start":1923.7289,"end":1924.7688,"sentiment":"neutral","sentiment_score":0.1727601339419683},{"text":"All I gotta do is just book in that SOA presentation.","start":1924.7688,"end":1927.1888,"sentiment":"neutral","sentiment_score":0.20805166187611493}],"sentiment":"neutral","sentiment_score":0.27217341285376323,"channel":1,"num_words":21,"start":1922.2888,"end":1927.1888}]},"summary":{"result":"success","short":"In this conversation, various speakers discuss their investment strategies and risk tolerance. They recommend borrowing money to invest in certain assets and consider high growth opportunities, as well as adding more contributions to savings accounts and tax advising. The speakers emphasize the importance of accessing funds immediately and considering different investment options before investing in various areas. They also discuss their comfort level for a million-dollar area and their availability to book a presentation and hold the call."},"intents":{"segments":[{"text":"Did you send it to me personally, or did you send it Yeah.","start_word":94,"end_word":106,"intents":[{"intent":"Clarify communication","confidence_score":0.09448682},{"intent":"Confirm information","confidence_score":0.00541371}]},{"text":"Did you send it to me personally, or did you send it Yeah. to I sent it not to lorissa me? at Okay. yeah. It's it'll be from my Gmail. It'll be from billybrinson@gmail. Did you just send it, or did you send it Yep.","start_word":94,"end_word":138,"intents":[{"intent":"Confirm message","confidence_score":0.00027693232}]},{"text":"That's annoying. Hack penis. I'm just gonna keep rolling reloading. Alright.","start_word":160,"end_word":170,"intents":[{"intent":"Express frustration","confidence_score":0.026100887}]},{"text":"I'm just gonna keep rolling reloading. Alright.","start_word":164,"end_word":170,"intents":[{"intent":"Reload email","confidence_score":0.0014595249},{"intent":"Reload email","confidence_score":0.013495547}]},{"text":"Well, do you want me to just do it the ultimate way and explain where his super is? Yeah.","start_word":171,"end_word":189,"intents":[{"intent":"Explain super super status","confidence_score":0.16622058}]},{"text":"Looks like he's got a little bit of debt there. He's got about a million dollars in debt, but he obviously has he's got 903,000 debt, 1.3 no assets.","start_word":242,"end_word":270,"intents":[{"intent":"Inform about debt status","confidence_score":0.0010982971},{"intent":"Report debt status","confidence_score":0.020624999}]},{"text":"And I'm just checking for insurances now as well.","start_word":275,"end_word":283,"intents":[{"intent":"Check insurances","confidence_score":0.47017434}]},{"text":"Now from a perspective of where you're currently sitting, I can see we obviously have there's a beautiful home that we're we're pretty heavy in debt on, which is Yes.","start_word":612,"end_word":641,"intents":[{"intent":"Address debt","confidence_score":0.026643742}]},{"text":"Now I know that you went through, I guess, what we call an investor risk profile. And the whole point of an investor risk profile is to give a guidance on how risk adverse an individual person is. Yep.","start_word":913,"end_word":951,"intents":[{"intent":"Analyze investor risk profiles","confidence_score":0.04149723}]},{"text":"and and have your your assets invested across a a wide variety of sectors and company Yep.","start_word":1261,"end_word":1277,"intents":[{"intent":"Discuss investments and objectives","confidence_score":0.00016026128}]},{"text":"But you can go beyond that, and you can actually sort of invest, say, a 120 to a 180%. It's called leveraging or gearing. Have you ever heard of it? Yep.","start_word":1606,"end_word":1636,"intents":[{"intent":"Explore investment options","confidence_score":0.12069965}]},{"text":"On on the other side of things, I'm also thinking of, obviously, increasing my income. So I've just asked my wife to kind of look for a job. She's or she's been in the job for about four years, and I think she's underpaid for kind of looking up for opportunities. Yep. Yeah.","start_word":2575,"end_word":2627,"intents":[{"intent":"Explore financial options","confidence_score":0.005459446}]},{"text":"Now the money that we're saving at the moment, because, as I understand, we're putting sort of 500 to $1,000 away each week. Are we directing that towards anything specific? Are we usually utilizing that to pay off the car loan more aggressively? Are we just putting it in the offset account? Is it going away for a holiday? Is there anything that that money is specifically being targeted towards? Yeah.","start_word":2722,"end_word":2792,"intents":[{"intent":"Assist with saving and investing","confidence_score":0.0005358585}]},{"text":"Like, I can't do your tax return or your BAS statement, but I can definitely talk about tax.","start_word":2983,"end_word":3000,"intents":[{"intent":"Discuss tax advice","confidence_score":0.1693891}]},{"text":"my question was around the investment options, which is really data. Yeah.","start_word":3007,"end_word":3018,"intents":[{"intent":"Discuss investment options","confidence_score":0.11237913}]},{"text":"Do you wanna look at maybe putting, like, a savings account together for your kid?","start_word":3167,"end_word":3181,"intents":[{"intent":"Consider savings account","confidence_score":0.14717688},{"intent":"Consider savings account","confidence_score":0.071254715}]},{"text":"It's an open ended question, and it doesn't have to be something that you need to have an answer for now.","start_word":3297,"end_word":3317,"intents":[{"intent":"Discuss open ended question","confidence_score":0.012231217}]},{"text":"Yeah.","start_word":3494,"end_word":3494,"intents":[{"intent":"Evaluate parenting options","confidence_score":0.00053872226}]},{"text":"If we were to open an account, how much would you wanna put in from an initial point of view?","start_word":3694,"end_word":3713,"intents":[{"intent":"Set up account","confidence_score":0.22310111}]},{"text":"But, obviously, also, I need to pay off my home loan as Yeah.","start_word":3806,"end_word":3818,"intents":[{"intent":"Pay off home loan","confidence_score":0.27338284}]},{"text":"So $50 a week is what we sort of look at to to contribute towards can I ask what your child's name is?","start_word":3949,"end_word":3971,"intents":[{"intent":"Determine child's name","confidence_score":0.0013044046}]},{"text":"The one thing I think I've probably noticed glaringly was it looks like you've obviously increased your life insurance with Australian Super to a million dollars, but your total permanent disability insurance is still really low. Was that intentional, or was it you it just wasn't sort of something that you thought of at the time?","start_word":4035,"end_word":4090,"intents":[{"intent":"Clarify insurance coverage","confidence_score":0.18902366}]},{"text":"so what I'm gonna look down I'll look at avenues down that line to see what we have available to us in the insurance scope to see whether we can, you know, a, beat it, meet it.","start_word":4385,"end_word":4421,"intents":[{"intent":"Explore insurance options","confidence_score":0.07344379}]},{"text":"So there is so there's there's basically two ways that you can invest. You can invest in what's called an APRA, a p r a, regulated fund, which is like your Yeah.","start_word":4941,"end_word":4972,"intents":[{"intent":"Discuss investment options","confidence_score":0.34816328}]}]},"sentiments":{"segments":[{"text":"Hello.","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.13196873664855957},{"text":"Good afternoon.","start_word":1,"end_word":2,"sentiment":"positive","sentiment_score":0.3528783321380615},{"text":"Larissa, it's Billy. How are you?","start_word":3,"end_word":8,"sentiment":"neutral","sentiment_score":0.3053016662597656},{"text":"Good.","start_word":9,"end_word":9,"sentiment":"positive","sentiment_score":0.3813502490520478},{"text":"How are you, Billy? I don't have a Very fax good. line. No. That's alright. I've emailed it to you. So it's a little bit of a Oh. confusing one just because he was a bit pressed for time. He's actually one that was complete by someone on SGD, but he didn't qualify for them. So he's come over here. I sent you the SGD fact line, and then I've got his updated balance, And he's come out as a high growth investor. Okay. Did you send it to me personally, or did you send it Yeah. to I sent it not to lorissa me? at Okay. yeah. It's it'll be from my Gmail. It'll be from billybrinson@gmail. Did you just send it, or did you send it Yep. a I little sent it while a minute ago? ago. Okay. It's not through yet, but that's cool. That's Okay. fine.","start_word":10,"end_word":159,"sentiment":"neutral","sentiment_score":0.0036504308227449656},{"text":"That's annoying. Hack penis. I'm just gonna keep rolling reloading.","start_word":160,"end_word":169,"sentiment":"negative","sentiment_score":-0.5908712148666382},{"text":"Alright. Well, do you want me to just do it the ultimate way and explain where his super is? Yeah. Let's Alright. So he's with Australian Super, a 100% in international shares. go. He has a 115,000. Yep. He works as hang on. Where he is a chartered accountant, and his gross income is a 168,000. Now his expenditure is about 1,500, and he saves anywhere from 500 to 1,000 a week. Looks like he's got a little bit of debt there. He's got about a million dollars in debt, but he obviously has he's got 903,000 debt, 1.3 no assets. He's born in 1991. And I'm just checking for insurances now as well. It looks like he's got a million dollars life insurance, 57,000 PPD, 8,600 per month income protection, and he's paying or it just says $6.55. I'm assuming that's just for one. I'm not a 100% sure on what he's paying. I'll chase it up, though. That's okay. So I know it's a bit of a stuff around this one. I just he was a little bit pressed for time, so I just wanted to try and get it done quick with him. That that's cool. Oh, it just came through. His name's Harry. Oh. Oh, No. his name's Subin.","start_word":170,"end_word":382,"sentiment":"neutral","sentiment_score":-0.0358810300453448},{"text":"Harry was the Stupid.","start_word":383,"end_word":386,"sentiment":"negative","sentiment_score":-0.411884605884552},{"text":"My bad. Yep. yeah. It is. Harry Sorry. was the yeah. No. All good. Do you want me to check him Cool. over now? Yep. Yep. Let's Yeah? go. Are you are Yeah. you sure? It's up 100 to you. percent. You ready? No. Go. Let's Alright. go. Yeah. Cool. I'll introduce you guys. Bear with me. Steven, you still there? Yep. Mhmm. Yep. Sorry for the hold up there, mate. I've just got Larissa on the line. She's the adviser that I speak so fondly of. But like I said, she's just gonna quickly run you through the next steps. It shouldn't take too long, mate. And then I'll catch up with you quickly after, if that's alright? Alright. No worries. Perfect. Go ahead, Larissa. Hi, Subin. How are you going? Hi, Larissa. I'm good. How are you? Yeah.","start_word":387,"end_word":526,"sentiment":"neutral","sentiment_score":0.07789123803377151},{"text":"Really good. Thank you.","start_word":527,"end_word":530,"sentiment":"positive","sentiment_score":0.44619330763816833},{"text":"So look. We we work very, very similarly in in similar industries, so I'm not gonna, you know, fully explain what an adviser does because I'm sure you probably have a a pretty decent idea as to what my role is. Yep. But I'm here, like you do, to help people with their finances. You deal with a a, you know, tax advantageous areas of advice. I deal with, I guess, a lot of a lot of money growth areas. Yep. Now from a perspective of where you're currently sitting, I can see we obviously have there's a beautiful home that we're we're pretty heavy in debt on, which is Yes.","start_word":531,"end_word":641,"sentiment":"neutral","sentiment_score":0.07929115405155195},{"text":"which is perfect. That's okay.","start_word":642,"end_word":646,"sentiment":"positive","sentiment_score":0.5245797634124756},{"text":"It's a it's a it's a debt that gives us an asset in the long run. And then Yeah. we've got the car loan. We've got a credit card. With the credit card, I just wanted to, I guess, find out, are we are we running the credit card up, or are we just using it from a point perspective? So we kind of put our monthly expenses on it and pay it off each month. Yeah. So everything's all my expense expenses are into credit card, and then I pay it off at end of Fantastic. the month. That's my job. Cool. You know? No. Perfect. So we're just kinda living living on and paying it off. Yeah. I just wanna get more points, you know, to Yes. travel. 100%. No. I get it. I do it Yep. through. It's all about Yep. the Qantas points and all about being able to go and travel. Yeah. Yep. Perfect. Now you also have a share portfolio. I know you can't access it, but is that like a share portfolio as in actual shares, or are we have we previously day traded? Are we is it, like, Bitcoin or in wallets or something like that? I'm just using superhero just to Yeah. I don't have much. I just have 2 k, and then I think I have 2 k about 2 k in CommBank. Yeah. What's that called? Pockets. Yeah. Com CommSec. Yep. Yeah. No. Perfect. And, yeah, Yep. it's a mix of shares, and I've also in, I think, a few ETFs. Yeah.","start_word":647,"end_word":909,"sentiment":"neutral","sentiment_score":0.08301026374101639},{"text":"Amazing.","start_word":910,"end_word":910,"sentiment":"positive","sentiment_score":0.3608333468437195},{"text":"Okay. Now I know that you went through, I guess, what we call an investor risk profile. And the whole point of an investor risk profile is to give a guidance on how risk adverse an individual person is. Yep. So with that, it gives us a very I guess, it's a very limited tool because all it's doing is giving me an idea as to whether you're willing to take a risk on the market. But there are Yep. levels of risk. Right? There's the day Yeah. trading level of risk where you're obviously buying and selling quite aggressively, and if you miss Yeah.","start_word":911,"end_word":1015,"sentiment":"neutral","sentiment_score":-0.14030212689013707},{"text":"a sale or you miss a buy, you lose out massively or Exactly.","start_word":1016,"end_word":1028,"sentiment":"negative","sentiment_score":-0.40232667326927185},{"text":"potentially Yeah. win. Then there's the risk avenue where you have, say, a percentage of assets invested in the market and a percentage of assets invested conservatively. And Yep. that's, you know, where you sit in terms of your risk profile is generally what is that avenue is. So someone that is a high risk taker would have, say, 80 to a 100% of their assets invested on the market, and then that remaining percentage would be conservative. And those conservative assets can still be an investment, but it's generally a conservative investment such as your government bonds, your Yep. fixed interest, your cash kind of assets. Now you've come out as a more aggressive investor. However, investing does go deeper than that because you then have avenues such as, as you said, ETFs, exchange trade Yep. funds. You've got your Mhmm. managed managed portfolios. You've, yep, managed funds, and then you've got your, you know, direct shares. Now, generally, when it comes to superannuation, we don't look too heavily at going direct share investing purely and simply because it means that you are increasing your risk by going direct share level because Mhmm. you're putting a large amount of your assets not only in an individual sector but in an individual company. What you wanna do is you obviously wanna diversify out a little bit Exactly. and have Yep. Yep. and and have your your assets invested across a a wide variety of sectors and company Yep. in a minute, you know, percentage. Because it means if company a were to to go down, well, you have, you know, b through to zed, so it's okay. Now with investing, what we do and what, I guess, the Oakview way is is that we do look a lot at we look at ETFs, we also look at managed funds, and it's dependent on what type of investor a client is as to how we go and proceed with investing. I know that you have you obviously have you know, you're familiar with ETFs, but what is your preference when it comes to investing? Are you looking for lower cost avenues to, you know, make sure that you aren't paying for high platform fees or high investment fees to, you know, just have your money kinda track, or are you looking to maybe pay a little bit more to get a better outcome or a potential better outcome, I should say? To answer that question, I would say so because I'm just mid-30s, I'm just investing for a long term. Yeah.","start_word":1029,"end_word":1458,"sentiment":"neutral","sentiment_score":0.06507372000000201},{"text":"So so that would work that would mean putting money into high aggressive assets, high growth assets.","start_word":1459,"end_word":1475,"sentiment":"positive","sentiment_score":0.3526223599910736},{"text":"That makes sense. Yeah. But obviously, reducing the cost. I know that would be that wouldn't be an option, but obviously, it has to come with high value.","start_word":1476,"end_word":1503,"sentiment":"neutral","sentiment_score":0.10486655682325365},{"text":"But I'm I'm I'm open to options, like what options you would suggest.","start_word":1504,"end_word":1516,"sentiment":"positive","sentiment_score":0.33416593074798584},{"text":"Yeah. Can I ask? Because you are you are quite young. Well, I mean, you are young.","start_word":1517,"end_word":1533,"sentiment":"neutral","sentiment_score":-0.14064985513687134},{"text":"If I say quiet, it means that I'm not young either, and that brings me sadness. We are quite we are young.","start_word":1534,"end_word":1555,"sentiment":"negative","sentiment_score":-0.37585607171058655},{"text":"So what I guess what sorry. It's been a day. You have quite a quite a long time before you're gonna be able to access this asset. Yep. And as I was explaining before, I guess, you can invest up to a 100% of an asset in the market. But you can go beyond that, and you can actually sort of invest, say, a 120 to a 180%. It's called leveraging or gearing. Have you ever heard of it? Yep. No. No? That's okay.","start_word":1556,"end_word":1639,"sentiment":"neutral","sentiment_score":0.01772751845419407},{"text":"That's okay. So because you are a high growth investor, it means that, you know, you're happy to take on risk.","start_word":1640,"end_word":1660,"sentiment":"positive","sentiment_score":0.3725493550300598},{"text":"Right? Yeah.","start_word":1661,"end_word":1662,"sentiment":"neutral","sentiment_score":0.3016987442970276},{"text":"Now theoretically, we could, you know, we could invest a 100% of the assets that you have in the market, but it can go beyond that.","start_word":1663,"end_word":1688,"sentiment":"positive","sentiment_score":0.34572920203208923},{"text":"And what you can do is you can actually borrow money to invest. Now personally, Yes. if you borrowed money to invest, you would go to a bank, you would borrow money, you would invest, you owe the bank the money back plus interest. Right?","start_word":1689,"end_word":1733,"sentiment":"neutral","sentiment_score":0.2984600067138672},{"text":"There's actually assets that you can invest in that that do the borrowing into into fund, so it reduces Yep.","start_word":1734,"end_word":1753,"sentiment":"positive","sentiment_score":0.40111681818962097},{"text":"your risk completely. It's still very much it's called geared investing, but it allows you to take on a little bit more risk to an investment or to Right. the market Okay. as a whole Yep. without taking On on my a way. very, very large amount of risk. Is Yeah. that something or an avenue that you would be interested in looking at? So what sort of assets are you are you getting to invest to go? Is it like a mission property or is it a mix mix bag? Or Mixed is it bag, generally. You you there's there's ETFs. There's managed funds that do this. There's there's a lot that do. The the, you know, the managed funds that do invest in this area or the ETFs invest in this area. Alright. So You is know? the is the emission properties out of the picture, is it? What property? Sorry? The emission properties, like buying properties out of those, you know, additional funds that you get from the bank? Or are we just talking about shares? This You is know what I mean? Like yeah. So down this avenue in terms of geared investments are just shares that you purchase. Okay. And Yep. and you basically this the fund will borrow money from the bank, and they will invest a higher percentage in those stocks and shares on your behalf. Yeah. Okay. It doesn't have to be an avenue that I look at or or investigate on your behalf. It just it was a question that I guess I wanted to, I guess, throw out there and ask to be able to, I guess, gauge how much of a risk taker you were because you are slightly you know, you're on that higher range. So whether you are more of, like, a, you know, the 90 to a 100% risk taker or whether maybe you do ebb over that little bit and you're willing to take that little bit extra risk for a longer term return. Yeah. Because I'm already exaggerating with my current home loan. I wouldn't go down the path of, you know, that year investment that you mentioned. So probably I would say I'm kind of going moderate in between. Yeah. No. Yeah. No. Absolutely. That's fine. And, look, it's always something we can pick up during, you know, down the line, maybe Yeah. possibly Exactly. look at If you it can again. I can anytime change, I I would suppose? Right? Yeah. Over the Absolutely. down the line, I can just change the level of investments that I wanna take or Definitely. risk. Yes. Yeah. Yeah.","start_word":1754,"end_word":2196,"sentiment":"neutral","sentiment_score":0.05366383338216734},{"text":"Absolutely.","start_word":2197,"end_word":2197,"sentiment":"positive","sentiment_score":0.3453918993473053},{"text":"We can we can investigate other areas. We can do slight changes to how the portfolio sits and how it works. Yeah. Now, like like myself, you you have three children, don't you? I've got one. One child who is three. Sorry. I read that Yep. No. But wrong. Perfect. One child who's three. Three is a terrible age and also a perfectly beautiful age all at the same time, isn't it? yeah. It's the funny Yeah. I know.","start_word":2198,"end_word":2276,"sentiment":"neutral","sentiment_score":0.02442913688719273},{"text":"It's it's gorgeous.","start_word":2277,"end_word":2279,"sentiment":"positive","sentiment_score":0.6007455587387085},{"text":"words. My youngest is five now, so I'm kind of over that that learn I mean, they always learn, but I'm over that, you know, little learning stage, and I'm onto the school stages, which is Oh, just yeah. a Yep.","start_word":2280,"end_word":2320,"sentiment":"neutral","sentiment_score":0.08432229735502382},{"text":"headache all on its own.","start_word":2321,"end_word":2325,"sentiment":"negative","sentiment_score":-0.35412120819091797},{"text":"Yeah. A lot of things comes up when when when you send school. Yeah. It's different for you. Oh, completely different experience, very much so. Okay.","start_word":2326,"end_word":2351,"sentiment":"neutral","sentiment_score":-0.04372953251004219},{"text":"Perfect.","start_word":2352,"end_word":2352,"sentiment":"positive","sentiment_score":0.4889747202396393},{"text":"So with I guess, back to the investing side of things. With the investing side of things, we're looking at, like, high aggressive investments, no not going into geared, but we wanna still focus on our reduced cost. So we're looking sort of a a little bit towards the ETF route with maybe a Yep. little bit of, like, a mix in with our managed funds, something like that just to keep things spicy. Are there any other areas of advice that you wanna look at that's outside the superannuation realm? Do you have any personal goals that you and your family are aiming towards with respect to where you currently sit? You know, anything that you guys are aiming to to achieve, pay the mortgage off, pay the credit card sorry, car loan off, anything like that? Yeah. I'm kind of at the moment, I'm just trying to figure out how do I how do I close my car loan as soon as possible or Yeah. kind of I'm just researching different strategies that I can use because I'm not having a car loan with 7% interest. So I'm trying to kind of sell it now or use the innovative lease to buy another car or something like that. So I'm just in that stage where I'm kind of researching. Yeah. On on the other side of things, I'm also thinking of, obviously, increasing my income. So I've just asked my wife to kind of look for a job. She's or she's been in the job for about four years, and I think she's underpaid for kind of looking up for opportunities. Yep. Yeah. Okay. And how much does she earn at the moment? She earns about $1. 31 38 k. Okay. But in the market, I'm pretty sure for her role, I think it's about $1.81 90 Okay.","start_word":2353,"end_word":2661,"sentiment":"neutral","sentiment_score":0.02938631066636553},{"text":"is easily achievable.","start_word":2662,"end_word":2664,"sentiment":"positive","sentiment_score":0.38055452704429626},{"text":"Alright. So she's quite underpaid. Yeah. She's underpaid, but she's also very comfortable. You know? She's working from home, and her boss is in Adelaide and you know? It's very Yeah. flexible. Yeah. Yeah. And with with a kid at home, it sometimes the flexibility Yeah.","start_word":2665,"end_word":2710,"sentiment":"neutral","sentiment_score":0.17074112594127655},{"text":"is nice as well. Yeah. Alright. It's very nice. Absolutely.","start_word":2711,"end_word":2720,"sentiment":"positive","sentiment_score":0.6316123604774475},{"text":"Now the money that we're saving at the moment, because, as I understand, we're putting sort of 500 to $1,000 away each week. Are we directing that towards anything specific? Are we usually utilizing that to pay off the car loan more aggressively? Are we just putting it in the offset account? Is it going away for a holiday? Is there anything that that money is specifically being targeted towards? Yeah. It's it's more of, like, paying off credit cards and, you know, and I try to also kind of put some some money into the shares as well. Yep. Yeah. And then, yeah, it's mostly paying off credit cards and putting a little bit into shares. And also, I send money to my overseas account as well. So Yeah. I kind of invest overseas as well. Okay. But really, very small investment overseas. No. That's okay. Alright. No. That's perfect. So with the money that you're saving, you you're directing it to to different avenues already. Yep. Is, I guess, additional contribution something that you would be interested in, given that you are sitting on a higher ish income, or are we happy to just keep saving where we're currently saving? Yeah. I wouldn't mind getting some advice on my tax because I'm I'm on the highest bracket, I suppose, around thirty thirty seven to 45 bracket. Yeah. Probably, do you provide tax advice or how to save Yep. on tax? Yeah. I am registered in in being able to I'm obviously not an accountant level.","start_word":2721,"end_word":2977,"sentiment":"neutral","sentiment_score":0.07994973659515381},{"text":"There are some limitations.","start_word":2978,"end_word":2981,"sentiment":"negative","sentiment_score":-0.363372266292572},{"text":"Like, I can't do your tax return or your BAS statement, but I can definitely talk about tax. Obviously, I was just thinking Yeah. my question was around the investment options, which is really data. Yeah. No. Definitely. So I guess the biggest the biggest question with any kind of, I guess, tax advice and investing comes down to, first and foremost, do you want the funds to be accessible to you immediately? So let's just say we do go and invest money. Do you want those funds to be accessible to you, or are you happy to, say, put them into your superannuation where they're they're preserved and you can't touch them? Okay. Yeah. I would yeah. I wouldn't access my super for anything like but to your question, to add more contributions to it, I can probably consider. Yeah.","start_word":2982,"end_word":3122,"sentiment":"neutral","sentiment_score":-0.02901187725365162},{"text":"Okay. Perfect. Yeah.","start_word":3123,"end_word":3125,"sentiment":"positive","sentiment_score":0.4098348617553711},{"text":"I guess the last question I probably have is because you do have a kid, you have a three year old, and we know that children cost money. I have three, so trust me. They cost a lot of money. Do you wanna look at maybe putting, like, a savings account together for your kid? Something that you could maybe tax effectively have as an avenue to be able to as an avenue to be able to, like, maybe put money away for them to buy their first car or put money away for them to have a savings account for a house deposit for themselves in the future. Something that maybe is locked away so you can't touch it. Something that's a little bit, Oh, I wow. guess, I there haven't for thought them. about it, but yeah. I haven't thought about that before. But No. That's okay. yeah.","start_word":3126,"end_word":3275,"sentiment":"neutral","sentiment_score":0.11425498127937316},{"text":"It's a it's a good one to consider, though.","start_word":3276,"end_word":3284,"sentiment":"positive","sentiment_score":0.3669181168079376},{"text":"Yeah. Look. It can just be it can just be that. It's an open ended question, and it doesn't have to be something that you need to have an answer for now. Realistically, if we enter into an ongoing relationship moving forward and and, you know, and I give you advice each year as we as we move through, because realistically, that's what would happen, is we would enter into a a relationship and I would contact you yearly at a minimum, and we would be able to go through conversations like this, possibly even speak to your wife down the line and look at, you know, doing advice together, And whether that advice looks like, you know, purchasing investment properties or looking at savings accounts for, you know, your child right now and maybe future kids down the line, we could look at doing that. It doesn't have to be. We don't have to do everything in one conversation. Sometimes things can be two to three to five years down the line that we we look at.","start_word":3285,"end_word":3462,"sentiment":"neutral","sentiment_score":0.1974029571152805},{"text":"But sometimes it's just good to have that question or for me to ask that question to for you to start thinking about it as something for you to consider.","start_word":3463,"end_word":3492,"sentiment":"positive","sentiment_score":0.38221046328544617},{"text":"Yeah.","start_word":3493,"end_word":3493,"sentiment":"neutral","sentiment_score":0.22755596041679385},{"text":"Yep. Cool. Because a a lot of parents will set up what's called like a a a Commonwealth Kidsaver account.","start_word":3494,"end_word":3513,"sentiment":"positive","sentiment_score":0.3659581840038299},{"text":"You know, they'll chuck $10 a week into the account and money just sits there earning absolutely nothing. And sometimes Welcome. it's just better to look at a different avenue than, you know, just having a bank account that's not really earning too much. So I just wanted to I always like asking those questions. I because I've been in the industry for ten years, have did exactly that. I've set up bank accounts for my kids. My eldest is 13, so he he'll be buying a car. Scary, but he buys a car in just a few more years, and he's already got Yeah. the money sitting You're there right. ready to go. Yeah. Correct. Yeah. Trust me. You blink it away. I remember when my kid my I remember when my eldest was three. Decade goes pretty quick. Yeah.","start_word":3514,"end_word":3654,"sentiment":"neutral","sentiment_score":0.12850505113601685},{"text":"Absolutely. But having having said that, like, I'm I'm happy to open to open one account for my daughter for sure.","start_word":3655,"end_word":3675,"sentiment":"positive","sentiment_score":0.5160353183746338},{"text":"Yeah, okay. But I really didn't think about it. No. I can That's use okay. the service. If we were to open an account, how much would you wanna put in from an initial point of view? I can we obviously have the money sitting in the offset. Would you be willing to contribute some of the money in the offset, say, 2 to 5,000 to open an account and then, say, put $10 a week into that that fund, or what would you sort of what would be the parameters that you would look at investing under that? Yeah. I'll put some probably $50 or something like that going into that account and probably not touch it, like, Yep. set up some direct debit, something like that. Yep. But, obviously, also, I need to pay off my home loan as Yeah. So we don't wanna we don't wanna, well. I guess, do anything to affect paying off the home loan. Yeah. Yeah. Yeah. Obviously, all your strategies would kind of help me to kind of pay up the home loan as well, I took them over the years. Yes. Yeah. Yeah. Definitely. We can we can look at different strategies to make sure that we're paying off the home loan as we move through. We can look at budgeting and how we can Yeah. better budget for the home loan. But, again, not Yep. something we we look at biting into initially. We kind of we step it out each year to kind of add a different area or layer of advice Yep. as we move through. Yep.","start_word":3676,"end_word":3944,"sentiment":"neutral","sentiment_score":0.007565406431551317},{"text":"Perfect.","start_word":3945,"end_word":3945,"sentiment":"positive","sentiment_score":0.4626377820968628},{"text":"Alright. Cool. So $50 a week is what we sort of look at to to contribute towards can I ask what your child's name is? So that way I I stop referring to them as Nora? your child. Nora? No n o r a? Yeah. No. N o r a h. Nora. Yep. Nora.","start_word":3946,"end_word":3999,"sentiment":"neutral","sentiment_score":0.039500050246715546},{"text":"Perfect. Beautiful.","start_word":4000,"end_word":4001,"sentiment":"positive","sentiment_score":0.4811301827430725},{"text":"Alright. So yeah. So, you know, put $50 per week away from Nora, and then we look at, I guess, having a look at where we can go with our superannuation. The one thing I think I've probably noticed glaringly was it looks like you've obviously increased your life insurance with Australian Super to a million dollars, but your total permanent disability insurance is still really low. Was that intentional, or was it you it just wasn't sort of something that you thought of at the time? Did I increase it by 1,000,000? I think it is 1,000,000. You say Yes. 1,000,000, 2,000,000. One one one one one. Yeah. Yeah. One I've increased million. to Yeah. one. Yes. And then you say my Your total yeah. The disability cover sits at fifty six fifty seven thousand. Sorry. yeah. I think I did that intentionally. One second. Just double second. So is that what you have there in in I think from Yeah. I have do you have a live view of my or no. super I or just it's just no. no. Okay. Just just the details that we obtained from our Alright. super. Okay. Yeah. So you're probably And right. Yeah. I put that yeah. I've increased my cover. And I think I think in previously, I didn't have life. a TPD, so I just added it That's a life. 56. Yeah. No. That's okay. Cool. So what I'll look at is I'll look at different avenues for, like, life insurance, total permanent disability, to see what we can get in that realm because I am concerned that if you were never able to work again, so let's just say you suffered a severe stroke because your job is obviously very mind based, it requires you to be attentive, switched on, and capable of doing your the tasks. Yep.","start_word":4002,"end_word":4311,"sentiment":"neutral","sentiment_score":-0.09751842208206654},{"text":"If you were no longer able to do your job, your family's gonna get paid out $57,000, which is taxed at 22%, which means that your wife is gonna be left with a very large mortgage. But your car loan's gonna be paid off, so happy days. It just it very sarcastically saying it's not gonna be enough to cover what we need. Not enough. So, Yeah. I don't.","start_word":4312,"end_word":4380,"sentiment":"negative","sentiment_score":-0.4932011067867279},{"text":"yeah, Yeah. so what I'm gonna look down I'll look at avenues down that line to see what we have available to us in the insurance scope to see whether we can, you know, a, beat it, meet it. I can do quotes up under AustralianSuper as well to make sure I'm obviously considering that from an increased perspective and go from there. I think And the we only also thing want I the underwriting policy as well. Right? This is I don't think it's medically underwritten. I didn't have I didn't have any questions asked by the hospital. They just gave me a base cover, and I just topped it up. You Yeah. know what I mean? Yep. Yeah. Yeah. They would have just they would you would have had to answer probably four questions, and it would have been your age, your occupation, and, Yeah. That's you know, right. Yeah. are you sick and dying, basically, is the questions they ask. Really limited scope. Yeah. So yeah. So I'll I'll have a look at at where we land with their cover if we did increase it, and then I'll have a look at the open market and see what's available to us in that realm. Are you you're obviously comfortable with the million dollars kind of area because that leaves you debt free. Would you wanna look at anything additional to the million, or is a million sort of where your where your comfort level sits? Yeah. That's my comfort level for now. Yeah. No. Perfect. I But, would yeah, never we I'd can test the bed. Yeah. I never wanna over insure someone, but at the same time, I'm very realistic. If anything Mhmm. Yeah. I happens know. to you, Okay. you'll you know, is your wife able to live comfortably with a house paid off and let's just say it's gonna be sort of, like, $300,000 left in the bank? By the time the house is paid off, you know, possibly sell your car, your superannuation pays out. She'll have $300,000 left in the bank. That gives her, say, three, four years that she can take off work to sort Yeah. of figure out what her normal is and just live off the that savings. Is that for your family, is that something that you're comfortable doing? Yeah. Yeah.","start_word":4381,"end_word":4773,"sentiment":"neutral","sentiment_score":-0.026025896896691117},{"text":"I think quite comfortable with, yeah, with the current Perfect. setup.","start_word":4774,"end_word":4784,"sentiment":"positive","sentiment_score":0.5452514886856079},{"text":"Yeah. Mhmm.","start_word":4785,"end_word":4786,"sentiment":"neutral","sentiment_score":0.2811870574951172},{"text":"Cool. So a million dollars is where our comfort level sits a 100%. Amazing. So I'll look at that area of of advice as well. I'll look at the child savings strategy as well, and then we can go from there with regards to how we kind of, I guess, put it all together and how it work for us.","start_word":4787,"end_word":4846,"sentiment":"positive","sentiment_score":0.4437778294086456},{"text":"Yeah. Obviously, as we move through, again, working together ongoing, we can pull your wife in and we can we can have a chat to her about, you know, where together as a couple, where we're on track for, see whether any Yep. other areas of advice that we might wanna look at, investment properties, investment accounts, so on and so forth, and and work from there moving forward. Alright? Is is there a possibility we can combine our super? Is that possible? Or every digital has to have a separate account? No. So there is so there's there's basically two ways that you can invest. You can invest in what's called an APRA, a p r a, regulated fund, which is like your Yeah. Australian super, your, Yep. you know, Yep. or super, your retail funds, everything like that, or you can invest in what's called a self managed super fund, which, obviously, you would know about. A self managed super fund is and does operate the way the same way that a APRA fund regulates. However, you become the trustee. So you are required to deal with all of the regulatory Yeah. mandates for the fund. Yeah. You have to report. Yep. You have to audit, so on and so forth. But, essentially, under that that fund, you would have merged monies. So you could merge both of the superannuation My export funds yeah. Yeah. Got into that. one, Yeah. and you could then utilize the funds together to invest, buy a property, so on and so forth, underneath the Okay. SMSF. There's still So two do you provide technical that advice accounts. at all?","start_word":4847,"end_word":5123,"sentiment":"neutral","sentiment_score":0.06938511568931896},{"text":"I can definitely set up an SMSF.","start_word":5124,"end_word":5130,"sentiment":"positive","sentiment_score":0.5111605525016785},{"text":"It would require me to talk to both of you to go down that avenue Yeah. Yeah. Yeah. Yeah. to be able to enter into something like an SMSF transaction. Because if we're looking at an SMSF, we're looking at two people. I'll be very, very clear that we do not offer an auditing service. We would engage an accountant or you would engage an accountant to audit the fund, so on and so forth, and do the annual Mhmm. tax Right. returns to the fund. So we don't Okay. we're not an accountant. We don't audit or anything like that. We can just Yeah. provide Yeah. the advice on how to invest Advised. and where Yep. to go from that. Yeah. So is an Mhmm. SMSF fund something that you are more so leading towards, or Yeah. do Yeah. you wanna Maybe look at maybe us? consider in the future. Yeah. For sure. Yeah. Yeah. Again, sometimes it might be a two to five year plan down the line. Yeah.","start_word":5131,"end_word":5301,"sentiment":"neutral","sentiment_score":0.028877347707748413},{"text":"Okay. Amazing. Alright. Well, I'll start getting things together based on what we've talked about, and we'll be able to go from there.","start_word":5302,"end_word":5324,"sentiment":"positive","sentiment_score":0.42930611968040466},{"text":"But what I can do is is Billy wanted to have a chat to you before I left the call. So I'll pop you back over to Billy, and Yeah. he'll be able And in to terms you haven't of next been steps, so you're gonna Yeah. prepare a SOA, is it? And advise Yeah. Yes. with Yes. I'm with all the sorry. details and the fees and all that is Correct. kind of Yeah. what I'm expecting. Yep. Alright. Yes. Yeah.","start_word":5325,"end_word":5406,"sentiment":"neutral","sentiment_score":0.04331722110509872},{"text":"So Cool.","start_word":5407,"end_word":5408,"sentiment":"positive","sentiment_score":0.5820930004119873},{"text":"the next avenue is I go away and start researching things, pull things apart, and have a look at where everything fits from a numbers perspective. Yep. Okay. And then I put that together in a document called a statement of advice, and then Yep.","start_word":5409,"end_word":5453,"sentiment":"neutral","sentiment_score":0.1402565836906433},{"text":"we get back together and I present that advice to you.","start_word":5454,"end_word":5464,"sentiment":"positive","sentiment_score":0.3410347104072571},{"text":"And yeah.","start_word":5465,"end_word":5466,"sentiment":"neutral","sentiment_score":0.31149324774742126},{"text":"And then once you're happy with it, we implement it all, get it all up and running, and and go from there. Alright. Sounds good. Yeah. Cool. Thanks, Yeah. Larissa. I was very cool. Yep. Amazing. Give me one moment. I'll pop you back over to Billy.","start_word":5467,"end_word":5513,"sentiment":"positive","sentiment_score":0.469763845205307},{"text":"No worries.","start_word":5514,"end_word":5515,"sentiment":"neutral","sentiment_score":0.24010175466537476},{"text":"Hey, guys. I'm here. Thanks, Larissa. Thanks, guys. Bye. Thank you. Alright. Cool.","start_word":5516,"end_word":5528,"sentiment":"positive","sentiment_score":0.5273375511169434},{"text":"I won't hold you too long. All I gotta do is just book in that SOA presentation.","start_word":5529,"end_word":5545,"sentiment":"neutral","sentiment_score":0.2180052399635315}],"average":{"sentiment":"neutral","sentiment_score":0.05604685516376992}}}}