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I've your annual review ready to go and a few documents to email out to you. Do you mind if I pop that through your email now? Will you be able to look on to them with me, or should I just kinda walk you through? Yeah. That's no worries. There's a couple of things I wanted to just kinda touch on in the super, which neither here nor there. I'll kinda walk you through some options. I just quickly checked security with your usual checks. Could you confirm your date of birth and address, sir? Sensational. Thank you, Dane. And are you okay for the call to be recorded? Amazing, mate. So I'll pop this through to you now. I've got your details up there. I just wanna do a quick little update on your circumstances, talk through the super, few other things there as well. Is there anything in particular you want me to focus on today from our last conversations or anything new? Yep. Perfect. Perfect. So that should come through pretty soon. I'm basically wanna touch on awesome. Awesome. So with the new system, we've got it rearranged a little bit. If you can go into that email and just hit that sign button to bring up the documents first, you don't have to click anything else. Just scroll through them with me. Cool. First one you should see is the summary of super insurance with our letterhead on the top. Perfect. So we'll talk about the hub. We'll talk about the one path. That's the two main products at the moment. I'm just having a look through the details because I've got all of the contributions are all in. Notice of intent's all been sorted for the tax return. I think you booked in with your accountant, what, July 2628? Yep. Perfect. In terms of other circumstances, so you've got married with Nat. You've got the two children. And with with the occupation, that plant operator, we we had your income as a pretty widespread between base income, and you were doing two on, one off. Are you still on the same roster? Cool. So for the financial year, do you have an idea of where your income landed at the end of June for the year? Yeah. Because I think we had, like, $2.50 estimate last time. Just wondering how close that is. February. Okay. Alright. 02/4000. One part I wanted to just start with as well is because we did that contribution and you had that carry forward cap to use up at the time and you're doing the salary sacrifice, I wanna just run by you possibly reducing that down a little bit so you don't go over the cap for next financial year. Cool. So I'll crunch the numbers there based on what's sort of going through, but I think there's about 1,000 a month, $2.50 a week going in, and the new cap's 32 and a half. Cool. So I'll crunch that and send that through. Alright. Assets wise, we've got the property in Narang, and we've got the property in Ipswich. I think Narang, we had valued at about 1.2 Ipswich was about $6.70. I'm assuming those have probably jumped up a little bit. Yep. Alright. I'll do 1.4 to be conservative. Thank you for that. And just quickly on the debts and savings there. So we had 800 owing on Narang, $6.60 owing on Ipswich. Has there been a big drop in either of those two loans? Yep. Perfect. No. Thank you for that, Tane. And with the contributions that you put in, I think we had about $70 in savings last year. Just wondering just an updated figure for emergency funds, rainy day fund. Yep. Perfect. Thank you so much for updating those details for me, mate. Priorities for you guys. So, obviously, properties are kind of sorted. Were you still looking to do that relocation like any other property switches in the next couple of years, or are you pretty well set on these two? Yeah. Just focus on these for the time being and then keep an ear out for some opportunities after that. With the renos, they've I've noticed the cost of materials have jumped up quite a bit. Have you got a bit of an estimate on what you're trying to get done and how much it might be? Yeah. Yeah. But it's on the cards for next six months. K. So I'll put 50 to a 100 in on that goal there. Outside of that, I mean, some of the good news, I did mention last time that, obviously, with that contribution going in, super has been boosted up quite a bit. And we were still aiming to kind of retire as early as possible towards eight to 60 when you can access your super. Mate, some good news I've got for you is that it's jumped up about 8% even with the market kind of dropping. So the growth's been there. It's been a solid sort of 95,000 with the the 50 that went in, 15% tax come off of that. So about 40 two went in. And then you've had about another $45 in growth in contributions on top of that. So even with the market going down, you still jumped into the positive, which is really good. A couple of things I'm sort of thinking, though, is we had a previous discussion with Kyle, one of our advisers, where he was trying to maybe look at getting you bumped up towards, like, high growth to try and go from that sort of 80% growth assets in the super to 90 and get a bit more returns under the belt. In addition to that, there was one investment option that we were trying to switch out with Benelong that wasn't doing too well. Most of the other options have been kind of soaring up in the double digits, but there's one there that's been dragging its feet. So he was wanting to kind of bump you up and and amend a few options there. Now one of the things I wanna run by you is that because of that extra contribution that's going in, you you probably don't even need to go high risk to get to the goal that you wanna do. So I always kind of paint this with clients as we need to get you there with the least risk possible. And I wanted to run it by you first and say, hey. Do we just stay that four out of five and and go for steady growth, or do we kind of go put on the gas kind of thing? You've got both options and heaps of time under the belt, but it may not be entirely necessary now that you've made that contribution. Awesome. Because at the end of the day, like, with the salary sacrifice, high contributions, you've got a huge balance for your age and really good returns under that growth fund. What's the point in taking an extra peg of risk where you could come back and lose a 100,000 next time the market crashes if we don't need to? So if you're okay with that, what I'll do is while I work out the salary sacrifice figures, I do wanna update that one investment option that's dragging its feet and just kinda do a bit of an engine tune up. Cool. Alright. So I'll get that sorted. I'll put together a bit of an updated plan, just kinda show you the updated projections and everything, and we'll sort out the contributions in the portfolio there. Any questions on that so far? Perfect. Last two areas, just in terms of estate planning, I did have note that you don't currently have, like, the will and the power of attorney in place at the moment. Don't know if you got that sorted randomly in the last twelve months. That's okay. We've still got that listed as beneficiary for the super. So I'm assuming just leave that on there and come back to the will when life is when you could put a time under the hands. Yep. Absolutely. And the main thing too is just in terms of the insurances. So if you still got that email up, can you please go through there should be, like, a next document button to skip through from the summary to a bit of a Vanguard chart, nice colorful market chart there. If you go past that one, you'll have a blue table for your hub 24. So just for your own info, this list every investment option, and the very right hand side tells you the performance in percentage terms for all of them. You've got the then along at the top right is the one that's gone into the negative. Everything else below that, 5% for the safe funds, which is perfect. That's what we're aiming for for the safe assets, and the rest of them are sixteen, sixteen, seventy, sixteen, one for the other bonds. So all of those are looking pretty good. It's just that one at the top. Next page is like all the portfolio put into one. And then if you skip past that one, your certificate's a one path. And it should be green. Yep. So you've got one 1 and a half mil of life in total disability insurance. So you pass away, you can never work again. Here's a big lump sum, clear all the debts out, and pretty much leave the family debt free. And then you've also got the income protection, eight $9.06 0 a month, sixty day wait because you've got the savings there, and a six year benefit period where they'll pay you monthly for six years instead of the usual five years. That's one of the good things about one path is they give you an extra year. So I'm just quickly working that back with the cover amount. It's protecting an income of about a 150,000. Obviously, your income fluctuates quite high, but I just wanna check with you that kind of $9 a month, does that still cover the bills and get you guys by? Call it two just under $2 a week after tax. K. Do you want me to look at bumping it up, or do you think just leave it as is and keep the premiums low? K. So one of the options I've got is I can just do, like, a flat, like, 10,000 a month. Might get you that extra thousand bucks. Anything over 10, you've got to go through, like, mandatory blood tests and all that kind of rigmarole. If that slight shade up might kind of cover it, that might be good. Only thing I'm worried about is I don't wanna go, like, $15 worth of cover and you're paying $7,000 out of premiums. Do you know what I mean? And with that one too, I can always have a look and see if there's anyone that might offer a better price as well or just do an alteration with one path. Do you want me to look at both? Like, are you okay to go through another application if we find someone? Okay. Any health issues pop up since October 2024? Cool. Alright. So everything that we used previously, I can use that again. Sensational. Benefit period is six years waiting period, sixty days. With the contributions, because you're putting in so much, the current premiums aren't too bad, but they're obviously getting up there. I can possibly extend the waiting period out to ninety days to lower the cost a little bit, but it means you'll be without income for the three months and living off of savings. Is that kind of stretching it a bit too far? Or because if yep. So I can keep it at the 60. Like, I'll obviously do the impact on the Subaru and make sure it's still gonna hit targets and grow well. If we don't need to extend it out to ninety days, we don't have to, especially if you're still gonna hit that goal. K? So I'll I'll do it based on the current one and just shade it up slightly and see how we look. If there's any major concerns with price, I'll kind of run it by you again. Awesome. Awesome. So we'll sort out the portfolio contributions, slight bump up of the income protection, bit of a shopping around there. I I'm pretty much ready to jump into that with the team for the next couple of weeks and see what we can come up with. Any questions on your end? Cool. And just to let you know as well from that last advice piece with Kyle, the Benelon option that we're looking to replace, we were just gonna do it like for like with another active option with lower fees, with better performance. You can choose to go for a bit more, like, a lower fee passive portfolio. So you've got the options of either low fees or still pay a decent amount to try and get a higher return. Do you have a strong preference between the two? Yeah. Cool. Alright. So, look, I've been researching these with the investment committee recently just to see if there's some other options out there. We've found a few in both styles. So I'll kind of keep it within style, get it tuned up a little bit, keep the risk level that four out of five, and we should be good to go. Awesome. The only other two documents in that pack for you is updated service guide because we've got the updated, like, license info, privacy policy, all that kind of thing. And just with the service agreement as well, so I've included the updated service agreement. So that'll be the next document there. We've got the same fees that we're charging, which is the 1.65% spreads throughout the year, so it's not one lump sum, and it caps when you hit 600,000. Now the only difference for next year is that we're bringing in a bit of a tiered fee structure. So next year, everyone above 200,000, they're gonna start to get some discounts as well. So I just wanna let you know this year, these are the same. Next year, probably looking at some discounts, and that should just pick up nicely from 200 to 500,000 and everything above that as well. Awesome, man. Alrighty. I'll get stuck into those, and nice and easy. Hopefully, everything's a bit up enough. You get the reno's done, and it doesn't cost you an arm and a leg. I'm building a deck at the moment. I've got my uncle doing it because Croatians, they're all tradies. And I've already put 50 into the house at the moment, and I'm up there every weekend putting decking in. And look, it's not it's not cheap. Yeah. Is it a big two story, like a second story deck, or is it just low on the ground? Yeah. Jeez. Yeah. Okay. I think ours was three by two, and I think I estimated that about we put in about 10 in materials, but it would have cost about $20.30. It almost tempts you to wanna do it yourself at some point. Go on YouTube and get a bit of eco decking. But see how we go. And, like, you've got all the time in the world to be building a deck, but who knows? Hobby. Awesome day, mate. Anything else that I can help you with today, man? Yeah. Look. I'm gonna get you figured pretty quickly. Basically, what I'm gonna do is I'll factor in a couple that'll go in. Because they seem to be paying it monthly, I pretty much wanna get a plan updated in the next two weeks. I'll go through the plan with you, and then from August onwards, we can have that updated figures. And I'll just adjust it slightly with a bit of leeway so that one contribution doesn't tip you over. Cool. So, again, just keep an ear out for the team. They'll give you a buzz, text, and email over the next two weeks, and and then we can line it up with work straight after that. Awesome, mate. Well, I'll leave that pack with you. Let me know if you got any questions, and I'll talk to you in a couple of weeks. Thanks, Dan. You too, mate. Talk soon. 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day, Dane. Tommy here from Oakview, mate. How are you doing? Mate, sensational. It's been a brilliant day.\n\nWhat about your end? Awesome. Awesome, mate. I've your annual review ready to go and a few documents to email out to you. Do you mind if I pop that through your email now?\n\nWill you be able to look on to them with me, or should I just kinda walk you through? Yeah. That's no worries. There's a couple of things I wanted to just kinda touch on in the super, which neither here nor there. I'll kinda walk you through some options.\n\nI just quickly checked security with your usual checks. Could you confirm your date of birth and address, sir? Sensational. Thank you, Dane. And are you okay for the call to be recorded?\n\nAmazing, mate. So I'll pop this through to you now. I've got your details up there. I just wanna do a quick little update on your circumstances, talk through the super, few other things there as well. Is there anything in particular you want me to focus on today from our last conversations or anything new?\n\nYep. Perfect. Perfect. So that should come through pretty soon. I'm basically wanna touch on awesome.\n\nAwesome. So with the new system, we've got it rearranged a little bit. If you can go into that email and just hit that sign button to bring up the documents first, you don't have to click anything else. Just scroll through them with me. Cool.\n\nFirst one you should see is the summary of super insurance with our letterhead on the top. Perfect. So we'll talk about the hub. We'll talk about the one path. That's the two main products at the moment.\n\nI'm just having a look through the details because I've got all of the contributions are all in. Notice of intent's all been sorted for the tax return. I think you booked in with your accountant, what, July 2628? Yep. Perfect.\n\nIn terms of other circumstances, so you've got married with Nat. You've got the two children. And with with the occupation, that plant operator, we we had your income as a pretty widespread between base income, and you were doing two on, one off. Are you still on the same roster? Cool.\n\nSo for the financial year, do you have an idea of where your income landed at the end of June for the year? Yeah. Because I think we had, like, $2.50 estimate last time. Just wondering how close that is. February.\n\nOkay. Alright. 02/4000. One part I wanted to just start with as well is because we did that contribution and you had that carry forward cap to use up at the time and you're doing the salary sacrifice, I wanna just run by you possibly reducing that down a little bit so you don't go over the cap for next financial year. Cool.\n\nSo I'll crunch the numbers there based on what's sort of going through, but I think there's about 1,000 a month, $2.50 a week going in, and the new cap's 32 and a half. Cool. So I'll crunch that and send that through. Alright. Assets wise, we've got the property in Narang, and we've got the property in Ipswich.\n\nI think Narang, we had valued at about 1.2 Ipswich was about $6.70. I'm assuming those have probably jumped up a little bit. Yep. Alright. I'll do 1.4 to be conservative.\n\nThank you for that. And just quickly on the debts and savings there. So we had 800 owing on Narang, $6.60 owing on Ipswich. Has there been a big drop in either of those two loans? Yep.\n\nPerfect. No. Thank you for that, Tane. And with the contributions that you put in, I think we had about $70 in savings last year. Just wondering just an updated figure for emergency funds, rainy day fund.\n\nYep. Perfect. Thank you so much for updating those details for me, mate. Priorities for you guys. So, obviously, properties are kind of sorted.\n\nWere you still looking to do that relocation like any other property switches in the next couple of years, or are you pretty well set on these two? Yeah. Just focus on these for the time being and then keep an ear out for some opportunities after that. With the renos, they've I've noticed the cost of materials have jumped up quite a bit. Have you got a bit of an estimate on what you're trying to get done and how much it might be?\n\nYeah. Yeah. But it's on the cards for next six months. K. So I'll put 50 to a 100 in on that goal there.\n\nOutside of that, I mean, some of the good news, I did mention last time that, obviously, with that contribution going in, super has been boosted up quite a bit. And we were still aiming to kind of retire as early as possible towards eight to 60 when you can access your super. Mate, some good news I've got for you is that it's jumped up about 8% even with the market kind of dropping. So the growth's been there. It's been a solid sort of 95,000 with the the 50 that went in, 15% tax come off of that.\n\nSo about 40 two went in. And then you've had about another $45 in growth in contributions on top of that. So even with the market going down, you still jumped into the positive, which is really good. A couple of things I'm sort of thinking, though, is we had a previous discussion with Kyle, one of our advisers, where he was trying to maybe look at getting you bumped up towards, like, high growth to try and go from that sort of 80% growth assets in the super to 90 and get a bit more returns under the belt. In addition to that, there was one investment option that we were trying to switch out with Benelong that wasn't doing too well.\n\nMost of the other options have been kind of soaring up in the double digits, but there's one there that's been dragging its feet. So he was wanting to kind of bump you up and and amend a few options there. Now one of the things I wanna run by you is that because of that extra contribution that's going in, you you probably don't even need to go high risk to get to the goal that you wanna do. So I always kind of paint this with clients as we need to get you there with the least risk possible. And I wanted to run it by you first and say, hey.\n\nDo we just stay that four out of five and and go for steady growth, or do we kind of go put on the gas kind of thing? You've got both options and heaps of time under the belt, but it may not be entirely necessary now that you've made that contribution. Awesome. Because at the end of the day, like, with the salary sacrifice, high contributions, you've got a huge balance for your age and really good returns under that growth fund. What's the point in taking an extra peg of risk where you could come back and lose a 100,000 next time the market crashes if we don't need to?\n\nSo if you're okay with that, what I'll do is while I work out the salary sacrifice figures, I do wanna update that one investment option that's dragging its feet and just kinda do a bit of an engine tune up. Cool. Alright. So I'll get that sorted. I'll put together a bit of an updated plan, just kinda show you the updated projections and everything, and we'll sort out the contributions in the portfolio there.\n\nAny questions on that so far? Perfect. Last two areas, just in terms of estate planning, I did have note that you don't currently have, like, the will and the power of attorney in place at the moment. Don't know if you got that sorted randomly in the last twelve months. That's okay.\n\nWe've still got that listed as beneficiary for the super. So I'm assuming just leave that on there and come back to the will when life is when you could put a time under the hands. Yep. Absolutely. And the main thing too is just in terms of the insurances.\n\nSo if you still got that email up, can you please go through there should be, like, a next document button to skip through from the summary to a bit of a Vanguard chart, nice colorful market chart there. If you go past that one, you'll have a blue table for your hub 24. So just for your own info, this list every investment option, and the very right hand side tells you the performance in percentage terms for all of them. You've got the then along at the top right is the one that's gone into the negative. Everything else below that, 5% for the safe funds, which is perfect.\n\nThat's what we're aiming for for the safe assets, and the rest of them are sixteen, sixteen, seventy, sixteen, one for the other bonds. So all of those are looking pretty good. It's just that one at the top. Next page is like all the portfolio put into one. And then if you skip past that one, your certificate's a one path.\n\nAnd it should be green. Yep. So you've got one 1 and a half mil of life in total disability insurance. So you pass away, you can never work again. Here's a big lump sum, clear all the debts out, and pretty much leave the family debt free.\n\nAnd then you've also got the income protection, eight $9.06 0 a month, sixty day wait because you've got the savings there, and a six year benefit period where they'll pay you monthly for six years instead of the usual five years. That's one of the good things about one path is they give you an extra year. So I'm just quickly working that back with the cover amount. It's protecting an income of about a 150,000. Obviously, your income fluctuates quite high, but I just wanna check with you that kind of $9 a month, does that still cover the bills and get you guys by?\n\nCall it two just under $2 a week after tax. K. Do you want me to look at bumping it up, or do you think just leave it as is and keep the premiums low? K. So one of the options I've got is I can just do, like, a flat, like, 10,000 a month.\n\nMight get you that extra thousand bucks. Anything over 10, you've got to go through, like, mandatory blood tests and all that kind of rigmarole. If that slight shade up might kind of cover it, that might be good. Only thing I'm worried about is I don't wanna go, like, $15 worth of cover and you're paying $7,000 out of premiums. Do you know what I mean?\n\nAnd with that one too, I can always have a look and see if there's anyone that might offer a better price as well or just do an alteration with one path. Do you want me to look at both? Like, are you okay to go through another application if we find someone? Okay. Any health issues pop up since October 2024?\n\nCool. Alright. So everything that we used previously, I can use that again. Sensational. Benefit period is six years waiting period, sixty days.\n\nWith the contributions, because you're putting in so much, the current premiums aren't too bad, but they're obviously getting up there. I can possibly extend the waiting period out to ninety days to lower the cost a little bit, but it means you'll be without income for the three months and living off of savings. Is that kind of stretching it a bit too far? Or because if yep. So I can keep it at the 60.\n\nLike, I'll obviously do the impact on the Subaru and make sure it's still gonna hit targets and grow well. If we don't need to extend it out to ninety days, we don't have to, especially if you're still gonna hit that goal. K? So I'll I'll do it based on the current one and just shade it up slightly and see how we look. If there's any major concerns with price, I'll kind of run it by you again.\n\nAwesome. Awesome. So we'll sort out the portfolio contributions, slight bump up of the income protection, bit of a shopping around there. I I'm pretty much ready to jump into that with the team for the next couple of weeks and see what we can come up with. Any questions on your end?\n\nCool. And just to let you know as well from that last advice piece with Kyle, the Benelon option that we're looking to replace, we were just gonna do it like for like with another active option with lower fees, with better performance. You can choose to go for a bit more, like, a lower fee passive portfolio. So you've got the options of either low fees or still pay a decent amount to try and get a higher return. Do you have a strong preference between the two?\n\nYeah. Cool. Alright. So, look, I've been researching these with the investment committee recently just to see if there's some other options out there. We've found a few in both styles.\n\nSo I'll kind of keep it within style, get it tuned up a little bit, keep the risk level that four out of five, and we should be good to go. Awesome. The only other two documents in that pack for you is updated service guide because we've got the updated, like, license info, privacy policy, all that kind of thing. And just with the service agreement as well, so I've included the updated service agreement. So that'll be the next document there.\n\nWe've got the same fees that we're charging, which is the 1.65% spreads throughout the year, so it's not one lump sum, and it caps when you hit 600,000. Now the only difference for next year is that we're bringing in a bit of a tiered fee structure. So next year, everyone above 200,000, they're gonna start to get some discounts as well. So I just wanna let you know this year, these are the same. Next year, probably looking at some discounts, and that should just pick up nicely from 200 to 500,000 and everything above that as well.\n\nAwesome, man. Alrighty. I'll get stuck into those, and nice and easy. Hopefully, everything's a bit up enough. You get the reno's done, and it doesn't cost you an arm and a leg.\n\nI'm building a deck at the moment. I've got my uncle doing it because Croatians, they're all tradies. And I've already put 50 into the house at the moment, and I'm up there every weekend putting decking in. And look, it's not it's not cheap. Yeah.\n\nIs it a big two story, like a second story deck, or is it just low on the ground? Yeah. Jeez. Yeah. Okay.\n\nI think ours was three by two, and I think I estimated that about we put in about 10 in materials, but it would have cost about $20.30. It almost tempts you to wanna do it yourself at some point. Go on YouTube and get a bit of eco decking. But see how we go. And, like, you've got all the time in the world to be building a deck, but who knows?\n\nHobby. Awesome day, mate. Anything else that I can help you with today, man? Yeah. Look.\n\nI'm gonna get you figured pretty quickly. Basically, what I'm gonna do is I'll factor in a couple that'll go in. Because they seem to be paying it monthly, I pretty much wanna get a plan updated in the next two weeks. I'll go through the plan with you, and then from August onwards, we can have that updated figures. And I'll just adjust it slightly with a bit of leeway so that one contribution doesn't tip you over.\n\nCool. So, again, just keep an ear out for the team. They'll give you a buzz, text, and email over the next two weeks, and and then we can line it up with work straight after that. Awesome, mate. Well, I'll leave that pack with you.\n\nLet me know if you got any questions, and I'll talk to you in a couple of weeks. Thanks, Dan. You too, mate. Talk soon. Bye.","paragraphs":[{"sentences":[{"text":"Good day, Dane.","start":2.1599998,"end":2.72,"sentiment":"neutral","sentiment_score":0.3140026827653249},{"text":"Tommy here from Oakview, mate.","start":2.72,"end":3.84,"sentiment":"neutral","sentiment_score":0.20172488689422607},{"text":"How are you doing?","start":3.84,"end":4.66,"sentiment":"neutral","sentiment_score":0.18135127797722816},{"text":"Mate, sensational.","start":5.8399997,"end":6.66,"sentiment":"positive","sentiment_score":0.6802188158035278},{"text":"It's been a brilliant day.","start":6.72,"end":7.68,"sentiment":"positive","sentiment_score":0.8111449241638183}],"sentiment":"positive","sentiment_score":0.42590525511064026,"num_words":19,"start":2.1599998,"end":7.68},{"sentences":[{"text":"What about your end?","start":7.68,"end":8.74,"sentiment":"neutral","sentiment_score":0.29421527311205864},{"text":"Awesome.","start":11.12,"end":11.44,"sentiment":"positive","sentiment_score":0.6304381489753723},{"text":"Awesome, mate.","start":11.44,"end":11.92,"sentiment":"positive","sentiment_score":0.6030282080173492},{"text":"I've your annual review ready to go and a few documents to email out to you.","start":11.92,"end":16.574999,"sentiment":"neutral","sentiment_score":0.32351824175566435},{"text":"Do you mind if I pop that through your email now?","start":17.275,"end":19.275,"sentiment":"neutral","sentiment_score":0.06906866790218787}],"sentiment":"neutral","sentiment_score":0.26321773154332356,"num_words":34,"start":7.68,"end":19.275},{"sentences":[{"text":"Will you be able to look on to them with me, or should I just kinda walk you through?","start":19.275,"end":22.575,"sentiment":"neutral","sentiment_score":0.08248818744170039},{"text":"Yeah.","start":30.57,"end":30.89,"sentiment":"neutral","sentiment_score":0.07273632287979126},{"text":"That's no worries.","start":30.89,"end":31.77,"sentiment":"neutral","sentiment_score":0.10569384942452113},{"text":"There's a couple of things I wanted to just kinda touch on in the super, which neither here nor there.","start":31.77,"end":37.29,"sentiment":"neutral","sentiment_score":0.061492426134645936},{"text":"I'll kinda walk you through some options.","start":37.29,"end":39.07,"sentiment":"neutral","sentiment_score":0.08313694117324692}],"sentiment":"neutral","sentiment_score":0.07537801086902618,"num_words":50,"start":19.275,"end":39.07},{"sentences":[{"text":"I just quickly checked security with your usual checks.","start":40.145,"end":42.965,"sentiment":"neutral","sentiment_score":0.05209892491499583},{"text":"Could you confirm your date of birth and address, sir?","start":43.025,"end":45.765,"sentiment":"neutral","sentiment_score":0.03707584105432034},{"text":"Sensational.","start":53.84,"end":54.34,"sentiment":"neutral","sentiment_score":0.14210884273052216},{"text":"Thank you, Dane.","start":54.8,"end":55.6,"sentiment":"neutral","sentiment_score":0.3128487865130107},{"text":"And are you okay for the call to be recorded?","start":55.6,"end":57.38,"sentiment":"neutral","sentiment_score":0.07202558405697346}],"sentiment":"neutral","sentiment_score":0.08001696295810468,"num_words":33,"start":40.145,"end":57.38},{"sentences":[{"text":"Amazing, mate.","start":59.04,"end":59.68,"sentiment":"neutral","sentiment_score":0.27065083384513855},{"text":"So I'll pop this through to you now.","start":59.68,"end":61.46,"sentiment":"neutral","sentiment_score":0.24983008578419685},{"text":"I've got your details up there.","start":62.16,"end":63.68,"sentiment":"neutral","sentiment_score":0.22066313525040945},{"text":"I just wanna do a quick little update on your circumstances, talk through the super, few other things there as well.","start":63.68,"end":70.445,"sentiment":"neutral","sentiment_score":0.1764391078835442},{"text":"Is there anything in particular you want me to focus on today from our last conversations or anything new?","start":70.745,"end":75.485,"sentiment":"neutral","sentiment_score":0.02958208351935211}],"sentiment":"neutral","sentiment_score":0.14520003603372192,"num_words":56,"start":59.04,"end":75.485},{"sentences":[{"text":"Yep.","start":79.4,"end":79.8,"sentiment":"neutral","sentiment_score":0.06904589384794235},{"text":"Perfect.","start":79.8,"end":80.2,"sentiment":"neutral","sentiment_score":0.2639386057853699},{"text":"Perfect.","start":80.2,"end":80.68,"sentiment":"neutral","sentiment_score":0.2694936990737915},{"text":"So that should come through pretty soon.","start":80.68,"end":82.78,"sentiment":"neutral","sentiment_score":0.20987963037831442},{"text":"I'm basically wanna touch on awesome.","start":84.12,"end":86.44,"sentiment":"neutral","sentiment_score":0.18438410138090452}],"sentiment":"neutral","sentiment_score":0.19862126372754574,"num_words":16,"start":79.4,"end":86.44},{"sentences":[{"text":"Awesome.","start":86.44,"end":86.84,"sentiment":"neutral","sentiment_score":0.3043654263019562},{"text":"So with the new system, we've got it rearranged a little bit.","start":86.84,"end":91.575,"sentiment":"neutral","sentiment_score":0.21646585315465927},{"text":"If you can go into that email and just hit that sign button to bring up the documents first, you don't have to click anything else.","start":91.575,"end":97.735,"sentiment":"neutral","sentiment_score":0.1702590791078714},{"text":"Just scroll through them with me.","start":97.735,"end":99.275,"sentiment":"neutral","sentiment_score":0.17039009431997934},{"text":"Cool.","start":100.775,"end":101.275,"sentiment":"neutral","sentiment_score":0.2471768856048584}],"sentiment":"neutral","sentiment_score":0.18691759070624475,"num_words":46,"start":86.44,"end":101.275},{"sentences":[{"text":"First one you should see is the summary of super insurance with our letterhead on the top.","start":101.494995,"end":107.17,"sentiment":"neutral","sentiment_score":0.20069127135417042},{"text":"Perfect.","start":107.83,"end":108.31,"sentiment":"neutral","sentiment_score":0.2855195999145508},{"text":"So we'll talk about the hub.","start":108.31,"end":109.59,"sentiment":"neutral","sentiment_score":0.10471478973825772},{"text":"We'll talk about the one path.","start":109.59,"end":110.869995,"sentiment":"neutral","sentiment_score":0.05762795855601629},{"text":"That's the two main products at the moment.","start":110.869995,"end":113.21,"sentiment":"neutral","sentiment_score":0.07016703765839338}],"sentiment":"neutral","sentiment_score":0.13770168431495367,"num_words":38,"start":101.494995,"end":113.21},{"sentences":[{"text":"I'm just having a look through the details because I've got all of the contributions are all in.","start":113.909996,"end":118.89,"sentiment":"neutral","sentiment_score":0.0678243628806538},{"text":"Notice of intent's all been sorted for the tax return.","start":119.045,"end":122.185,"sentiment":"neutral","sentiment_score":0.042372692935168745},{"text":"I think you booked in with your accountant, what, July 2628?","start":122.244995,"end":126.50499,"sentiment":"neutral","sentiment_score":0.03332350335337899},{"text":"Yep.","start":129.285,"end":129.765,"sentiment":"positive","sentiment_score":0.3584766387939453},{"text":"Perfect.","start":129.765,"end":130.265,"sentiment":"positive","sentiment_score":0.6868077516555786}],"sentiment":"neutral","sentiment_score":0.07454654606195485,"num_words":41,"start":113.909996,"end":130.265},{"sentences":[{"text":"In terms of other circumstances, so you've got married with Nat.","start":130.965,"end":137.14,"sentiment":"neutral","sentiment_score":0.09867668998512355},{"text":"You've got the two children.","start":137.14,"end":138.59999,"sentiment":"neutral","sentiment_score":0.1032108873128891},{"text":"And with with the occupation, that plant operator, we we had your income as a pretty widespread between base income, and you were doing two on, one off.","start":139.37999,"end":151.615,"sentiment":"neutral","sentiment_score":0.03496149641328624},{"text":"Are you still on the same roster?","start":151.615,"end":152.915,"sentiment":"neutral","sentiment_score":0.026033613830804825},{"text":"Cool.","start":155.055,"end":155.375,"sentiment":"positive","sentiment_score":0.4493841528892517}],"sentiment":"neutral","sentiment_score":0.06176998799380202,"num_words":52,"start":130.965,"end":155.375},{"sentences":[{"text":"So for the financial year, do you have an idea of where your income landed at the end of June for the year?","start":155.375,"end":161.7,"sentiment":"neutral","sentiment_score":0.07972603485636089},{"text":"Yeah.","start":164.66,"end":164.9,"sentiment":"neutral","sentiment_score":0.03574281185865402},{"text":"Because I think we had, like, $2.50 estimate last time.","start":164.9,"end":167.56,"sentiment":"neutral","sentiment_score":0.005359480110928416},{"text":"Just wondering how close that is.","start":167.62,"end":169.48,"sentiment":"neutral","sentiment_score":-0.011159343334535757},{"text":"February.","start":171.7,"end":172.81999,"sentiment":"neutral","sentiment_score":0.006265074945986271}],"sentiment":"neutral","sentiment_score":0.04542305925861001,"num_words":41,"start":155.375,"end":172.81999},{"sentences":[{"text":"Okay.","start":172.81999,"end":173.31999,"sentiment":"neutral","sentiment_score":0.029549503698945045},{"text":"Alright.","start":174.675,"end":174.995,"sentiment":"neutral","sentiment_score":0.03654577955603599},{"text":"02/4000.","start":174.995,"end":176.295,"sentiment":"neutral","sentiment_score":0.0294400118291378},{"text":"One part I wanted to just start with as well is because we did that contribution and you had that carry forward cap to use up at the time and you're doing the salary sacrifice, I wanna just run by you possibly reducing that down a little bit so you don't go over the cap for next financial year.","start":176.75499,"end":193.19,"sentiment":"neutral","sentiment_score":-0.022031596404010968},{"text":"Cool.","start":194.77,"end":195.17,"sentiment":"positive","sentiment_score":0.3565278649330139}],"sentiment":"neutral","sentiment_score":-0.013457159171738321,"num_words":63,"start":172.81999,"end":195.17},{"sentences":[{"text":"So I'll crunch the numbers there based on what's sort of going through, but I think there's about 1,000 a month, $2.50 a week going in, and the new cap's 32 and a half.","start":195.17,"end":203.81499,"sentiment":"neutral","sentiment_score":0.041782827815040946},{"text":"Cool.","start":205.155,"end":205.39499,"sentiment":"positive","sentiment_score":0.3974492251873016},{"text":"So I'll crunch that and send that through.","start":205.39499,"end":207.415,"sentiment":"neutral","sentiment_score":0.1956245731562376},{"text":"Alright.","start":208.995,"end":209.495,"sentiment":"neutral","sentiment_score":0.0967455953359604},{"text":"Assets wise, we've got the property in Narang, and we've got the property in Ipswich.","start":210.11499,"end":216.06999,"sentiment":"neutral","sentiment_score":0.07842872415979703}],"sentiment":"neutral","sentiment_score":0.07891929515053407,"num_words":59,"start":195.17,"end":216.06999},{"sentences":[{"text":"I think Narang, we had valued at about 1.2 Ipswich was about $6.70.","start":217.48999,"end":221.96999,"sentiment":"neutral","sentiment_score":0.059846596649059884},{"text":"I'm assuming those have probably jumped up a little bit.","start":221.96999,"end":224.46999,"sentiment":"neutral","sentiment_score":0.07352066673338413},{"text":"Yep.","start":247.52,"end":248.02,"sentiment":"neutral","sentiment_score":-0.0117311654612422},{"text":"Alright.","start":248.8,"end":249.20001,"sentiment":"neutral","sentiment_score":0.09252259135246275},{"text":"I'll do 1.4 to be conservative.","start":249.20001,"end":250.98001,"sentiment":"neutral","sentiment_score":0.15198641022046408}],"sentiment":"neutral","sentiment_score":0.08083620358018144,"num_words":31,"start":217.48999,"end":250.98001},{"sentences":[{"text":"Thank you for that.","start":251.04001,"end":251.955,"sentiment":"positive","sentiment_score":0.6398065835237503},{"text":"And just quickly on the debts and savings there.","start":254.035,"end":256.275,"sentiment":"neutral","sentiment_score":0.09161428527699576},{"text":"So we had 800 owing on Narang, $6.60 owing on Ipswich.","start":256.275,"end":260.515,"sentiment":"neutral","sentiment_score":-0.008019044995307922},{"text":"Has there been a big drop in either of those two loans?","start":260.515,"end":263.095,"sentiment":"neutral","sentiment_score":-0.14312574143211046},{"text":"Yep.","start":280.54498,"end":280.78497,"sentiment":"neutral","sentiment_score":0.04188060760498047}],"sentiment":"neutral","sentiment_score":0.04378154370430354,"num_words":37,"start":251.04001,"end":280.78497},{"sentences":[{"text":"Perfect.","start":280.78497,"end":281.185,"sentiment":"neutral","sentiment_score":0.1751658022403717},{"text":"No.","start":281.185,"end":281.425,"sentiment":"neutral","sentiment_score":0.03369661048054695},{"text":"Thank you for that, Tane.","start":281.425,"end":282.56497,"sentiment":"neutral","sentiment_score":0.2893467038869858},{"text":"And with the contributions that you put in, I think we had about $70 in savings last year.","start":282.865,"end":288.485,"sentiment":"neutral","sentiment_score":0.07304567222793897},{"text":"Just wondering just an updated figure for emergency funds, rainy day fund.","start":289.05002,"end":293.31,"sentiment":"neutral","sentiment_score":0.029689493589103222}],"sentiment":"neutral","sentiment_score":0.08991059338724292,"num_words":37,"start":280.78497,"end":293.31},{"sentences":[{"text":"Yep.","start":298.81,"end":299.31,"sentiment":"neutral","sentiment_score":0.15466150641441345},{"text":"Perfect.","start":299.69,"end":300.19,"sentiment":"positive","sentiment_score":0.43253761529922485},{"text":"Thank you so much for updating those details for me, mate.","start":301.305,"end":303.965,"sentiment":"positive","sentiment_score":0.5429104647853158},{"text":"Priorities for you guys.","start":304.905,"end":306.285,"sentiment":"neutral","sentiment_score":0.12323453277349472},{"text":"So, obviously, properties are kind of sorted.","start":306.745,"end":310.185,"sentiment":"neutral","sentiment_score":0.03183180812214102}],"sentiment":"neutral","sentiment_score":0.30312395926254493,"num_words":24,"start":298.81,"end":310.185},{"sentences":[{"text":"Were you still looking to do that relocation like any other property switches in the next couple of years, or are you pretty well set on these two?","start":310.185,"end":317.63,"sentiment":"neutral","sentiment_score":0.02682924729638866},{"text":"Yeah.","start":328.10498,"end":328.425,"sentiment":"neutral","sentiment_score":0.01985306851565838},{"text":"Just focus on these for the time being and then keep an ear out for some opportunities after that.","start":328.425,"end":332.76498,"sentiment":"neutral","sentiment_score":0.05910555841891389},{"text":"With the renos, they've I've noticed the cost of materials have jumped up quite a bit.","start":347.0,"end":351.67502,"sentiment":"neutral","sentiment_score":-0.10210996028035879},{"text":"Have you got a bit of an estimate on what you're trying to get done and how much it might be?","start":351.67502,"end":355.615,"sentiment":"neutral","sentiment_score":-0.003109660775711139}],"sentiment":"neutral","sentiment_score":0.0022942983764497674,"num_words":85,"start":310.185,"end":355.615},{"sentences":[{"text":"Yeah.","start":373.28998,"end":373.785,"sentiment":"neutral","sentiment_score":0.02639228105545044},{"text":"Yeah.","start":385.545,"end":386.045,"sentiment":"neutral","sentiment_score":0.003727581351995468},{"text":"But it's on the cards for next six months.","start":389.07,"end":392.45,"sentiment":"neutral","sentiment_score":0.011484221141371462},{"text":"K.","start":395.39,"end":395.87,"sentiment":"neutral","sentiment_score":0.05643929541110992},{"text":"So I'll put 50 to a 100 in on that goal there.","start":395.87,"end":398.93,"sentiment":"neutral","sentiment_score":0.2453879906485478}],"sentiment":"neutral","sentiment_score":0.13060720982806137,"num_words":24,"start":373.28998,"end":398.93},{"sentences":[{"text":"Outside of that, I mean, some of the good news, I did mention last time that, obviously, with that contribution going in, super has been boosted up quite a bit.","start":400.805,"end":407.625,"sentiment":"positive","sentiment_score":0.5026706715424856},{"text":"And we were still aiming to kind of retire as early as possible towards eight to 60 when you can access your super.","start":407.845,"end":414.425,"sentiment":"neutral","sentiment_score":0.24410012040449225},{"text":"Mate, some good news I've got for you is that it's jumped up about 8% even with the market kind of dropping.","start":415.68,"end":420.88,"sentiment":"positive","sentiment_score":0.4320835118943995},{"text":"So the growth's been there.","start":420.88,"end":422.26,"sentiment":"positive","sentiment_score":0.5915611863136292},{"text":"It's been a solid sort of 95,000 with the the 50 that went in, 15% tax come off of that.","start":422.32,"end":428.96,"sentiment":"positive","sentiment_score":0.546947005391121}],"sentiment":"positive","sentiment_score":0.4409700621664524,"num_words":100,"start":400.805,"end":428.96},{"sentences":[{"text":"So about 40 two went in.","start":428.96,"end":430.66,"sentiment":"positive","sentiment_score":0.3953157365322113},{"text":"And then you've had about another $45 in growth in contributions on top of that.","start":431.255,"end":435.515,"sentiment":"positive","sentiment_score":0.4592676321665446},{"text":"So even with the market going down, you still jumped into the positive, which is really good.","start":435.815,"end":440.635,"sentiment":"positive","sentiment_score":0.5528084600673002},{"text":"A couple of things I'm sort of thinking, though, is we had a previous discussion with Kyle, one of our advisers, where he was trying to maybe look at getting you bumped up towards, like, high growth to try and go from that sort of 80% growth assets in the super to 90 and get a bit more returns under the belt.","start":442.775,"end":460.925,"sentiment":"neutral","sentiment_score":0.23985323592299415},{"text":"In addition to that, there was one investment option that we were trying to switch out with Benelong that wasn't doing too well.","start":462.10498,"end":467.805,"sentiment":"neutral","sentiment_score":-0.06033797711943802}],"sentiment":"neutral","sentiment_score":0.26131528354726913,"num_words":123,"start":428.96,"end":467.805},{"sentences":[{"text":"Most of the other options have been kind of soaring up in the double digits, but there's one there that's been dragging its feet.","start":467.94498,"end":473.71,"sentiment":"neutral","sentiment_score":-0.09768151259049773},{"text":"So he was wanting to kind of bump you up and and amend a few options there.","start":473.93,"end":478.35,"sentiment":"neutral","sentiment_score":0.031822497353834266},{"text":"Now one of the things I wanna run by you is that because of that extra contribution that's going in, you you probably don't even need to go high risk to get to the goal that you wanna do.","start":479.05,"end":489.975,"sentiment":"neutral","sentiment_score":0.15323604872593513},{"text":"So I always kind of paint this with clients as we need to get you there with the least risk possible.","start":489.975,"end":496.315,"sentiment":"neutral","sentiment_score":0.16039354460580008},{"text":"And I wanted to run it by you first and say, hey.","start":497.51,"end":499.75,"sentiment":"neutral","sentiment_score":0.1459808380653461}],"sentiment":"neutral","sentiment_score":0.08223775705009435,"num_words":113,"start":467.94498,"end":499.75},{"sentences":[{"text":"Do we just stay that four out of five and and go for steady growth, or do we kind of go put on the gas kind of thing?","start":499.75,"end":506.25,"sentiment":"neutral","sentiment_score":0.07314581996096033},{"text":"You've got both options and heaps of time under the belt, but it may not be entirely necessary now that you've made that contribution.","start":506.39,"end":513.285,"sentiment":"neutral","sentiment_score":0.05601144659643372},{"text":"Awesome.","start":526.48,"end":526.98,"sentiment":"positive","sentiment_score":0.7243542671203613},{"text":"Because at the end of the day, like, with the salary sacrifice, high contributions, you've got a huge balance for your age and really good returns under that growth fund.","start":527.2,"end":534.98,"sentiment":"positive","sentiment_score":0.5984055618445079},{"text":"What's the point in taking an extra peg of risk where you could come back and lose a 100,000 next time the market crashes if we don't need to?","start":535.735,"end":543.995,"sentiment":"negative","sentiment_score":-0.3392232533158927}],"sentiment":"neutral","sentiment_score":0.10920896833496434,"num_words":112,"start":499.75,"end":543.995},{"sentences":[{"text":"So if you're okay with that, what I'll do is while I work out the salary sacrifice figures, I do wanna update that one investment option that's dragging its feet and just kinda do a bit of an engine tune up.","start":545.57495,"end":556.76,"sentiment":"neutral","sentiment_score":-0.043094524500391834},{"text":"Cool.","start":558.5,"end":559.0,"sentiment":"neutral","sentiment_score":0.28049811720848083},{"text":"Alright.","start":559.86,"end":560.18,"sentiment":"neutral","sentiment_score":0.20510634779930115},{"text":"So I'll get that sorted.","start":560.18,"end":561.56,"sentiment":"neutral","sentiment_score":0.13691036119125782},{"text":"I'll put together a bit of an updated plan, just kinda show you the updated projections and everything, and we'll sort out the contributions in the portfolio there.","start":561.7,"end":569.925,"sentiment":"neutral","sentiment_score":0.1427651924480285}],"sentiment":"neutral","sentiment_score":0.04474613361832637,"num_words":76,"start":545.57495,"end":569.925},{"sentences":[{"text":"Any questions on that so far?","start":570.705,"end":572.325,"sentiment":"neutral","sentiment_score":0.03789967546860377},{"text":"Perfect.","start":576.64,"end":577.14,"sentiment":"neutral","sentiment_score":-0.08072377741336823},{"text":"Last two areas, just in terms of estate planning, I did have note that you don't currently have, like, the will and the power of attorney in place at the moment.","start":578.16003,"end":586.08,"sentiment":"neutral","sentiment_score":-0.11561046468634759},{"text":"Don't know if you got that sorted randomly in the last twelve months.","start":586.08,"end":589.14,"sentiment":"neutral","sentiment_score":-0.12340273421544296},{"text":"That's okay.","start":592.67505,"end":593.23505,"sentiment":"neutral","sentiment_score":-0.00451187789440155}],"sentiment":"neutral","sentiment_score":-0.09529263076354873,"num_words":53,"start":570.705,"end":593.23505},{"sentences":[{"text":"We've still got that listed as beneficiary for the super.","start":593.23505,"end":595.955,"sentiment":"neutral","sentiment_score":0.05567406602203846},{"text":"So I'm assuming just leave that on there and come back to the will when life is when you could put a time under the hands.","start":595.955,"end":601.89,"sentiment":"neutral","sentiment_score":0.005012799412585222},{"text":"Yep.","start":603.65,"end":604.05,"sentiment":"neutral","sentiment_score":0.1616658866405487},{"text":"Absolutely.","start":604.05,"end":604.55,"sentiment":"neutral","sentiment_score":0.2754465341567993},{"text":"And the main thing too is just in terms of the insurances.","start":605.65,"end":608.47003,"sentiment":"neutral","sentiment_score":0.11484083005537589}],"sentiment":"neutral","sentiment_score":0.050045516528189185,"num_words":50,"start":593.23505,"end":608.47003},{"sentences":[{"text":"So if you still got that email up, can you please go through there should be, like, a next document button to skip through from the summary to a bit of a Vanguard chart, nice colorful market chart there.","start":608.53,"end":620.815,"sentiment":"neutral","sentiment_score":0.09011613424771871},{"text":"If you go past that one, you'll have a blue table for your hub 24.","start":622.235,"end":626.815,"sentiment":"neutral","sentiment_score":0.05273908028999964},{"text":"So just for your own info, this list every investment option, and the very right hand side tells you the performance in percentage terms for all of them.","start":627.915,"end":635.99,"sentiment":"neutral","sentiment_score":0.09540909741606031},{"text":"You've got the then along at the top right is the one that's gone into the negative.","start":636.05,"end":639.91,"sentiment":"neutral","sentiment_score":-0.029457426684744218},{"text":"Everything else below that, 5% for the safe funds, which is perfect.","start":640.37,"end":644.61,"sentiment":"neutral","sentiment_score":0.1775379255414009}],"sentiment":"neutral","sentiment_score":0.07753827946411597,"num_words":111,"start":608.53,"end":644.61},{"sentences":[{"text":"That's what we're aiming for for the safe assets, and the rest of them are sixteen, sixteen, seventy, sixteen, one for the other bonds.","start":644.61,"end":652.92505,"sentiment":"neutral","sentiment_score":0.20631496546169123},{"text":"So all of those are looking pretty good.","start":653.065,"end":655.005,"sentiment":"positive","sentiment_score":0.5411070212721825},{"text":"It's just that one at the top.","start":655.305,"end":656.84503,"sentiment":"neutral","sentiment_score":0.05246033067149775},{"text":"Next page is like all the portfolio put into one.","start":658.825,"end":661.53,"sentiment":"neutral","sentiment_score":0.049721095338463785},{"text":"And then if you skip past that one, your certificate's a one path.","start":663.21,"end":666.27,"sentiment":"neutral","sentiment_score":0.03591788230607143}],"sentiment":"neutral","sentiment_score":0.17115775934390484,"num_words":62,"start":644.61,"end":666.27},{"sentences":[{"text":"And it should be green.","start":668.33,"end":669.45,"sentiment":"neutral","sentiment_score":0.08007910549640655},{"text":"Yep.","start":669.45,"end":669.95,"sentiment":"neutral","sentiment_score":0.03016597032546997},{"text":"So you've got one 1 and a half mil of life in total disability insurance.","start":671.53,"end":676.11005,"sentiment":"neutral","sentiment_score":-0.07701034645239511},{"text":"So you pass away, you can never work again.","start":676.41504,"end":678.575,"sentiment":"neutral","sentiment_score":-0.3275471073057916},{"text":"Here's a big lump sum, clear all the debts out, and pretty much leave the family debt free.","start":678.575,"end":684.35504,"sentiment":"positive","sentiment_score":0.467481341626909}],"sentiment":"neutral","sentiment_score":0.09879471842820446,"num_words":48,"start":668.33,"end":684.35504},{"sentences":[{"text":"And then you've also got the income protection, eight $9.06 0 a month, sixty day wait because you've got the savings there, and a six year benefit period where they'll pay you monthly for six years instead of the usual five years.","start":684.495,"end":697.35004,"sentiment":"neutral","sentiment_score":0.2818680806528954},{"text":"That's one of the good things about one path is they give you an extra year.","start":697.35004,"end":700.41003,"sentiment":"positive","sentiment_score":0.6778079755604267},{"text":"So I'm just quickly working that back with the cover amount.","start":702.23,"end":706.935,"sentiment":"positive","sentiment_score":0.38078244165940717},{"text":"It's protecting an income of about a 150,000.","start":707.075,"end":709.89496,"sentiment":"neutral","sentiment_score":0.3322403095662594},{"text":"Obviously, your income fluctuates quite high, but I just wanna check with you that kind of $9 a month, does that still cover the bills and get you guys by?","start":710.51495,"end":719.04,"sentiment":"neutral","sentiment_score":0.12950600410501162}],"sentiment":"neutral","sentiment_score":0.3122906210684331,"num_words":107,"start":684.495,"end":719.04},{"sentences":[{"text":"Call it two just under $2 a week after tax.","start":722.07996,"end":726.1,"sentiment":"neutral","sentiment_score":0.07577895745635033},{"text":"K.","start":733.055,"end":733.555,"sentiment":"neutral","sentiment_score":0.044724613428115845},{"text":"Do you want me to look at bumping it up, or do you think just leave it as is and keep the premiums low?","start":733.855,"end":738.515,"sentiment":"neutral","sentiment_score":0.03795414511114359},{"text":"K.","start":754.43,"end":754.75,"sentiment":"neutral","sentiment_score":0.06909072399139404},{"text":"So one of the options I've got is I can just do, like, a flat, like, 10,000 a month.","start":754.75,"end":760.705,"sentiment":"neutral","sentiment_score":0.12513395477282374}],"sentiment":"neutral","sentiment_score":0.075637264278802,"num_words":55,"start":722.07996,"end":760.705},{"sentences":[{"text":"Might get you that extra thousand bucks.","start":760.84503,"end":762.78503,"sentiment":"neutral","sentiment_score":0.1555108938898359},{"text":"Anything over 10, you've got to go through, like, mandatory blood tests and all that kind of rigmarole.","start":763.085,"end":767.505,"sentiment":"neutral","sentiment_score":0.051526276394724846},{"text":"If that slight shade up might kind of cover it, that might be good.","start":768.84503,"end":772.625,"sentiment":"neutral","sentiment_score":0.1680358121437686},{"text":"Only thing I'm worried about is I don't wanna go, like, $15 worth of cover and you're paying $7,000 out of premiums.","start":773.01,"end":778.95,"sentiment":"negative","sentiment_score":-0.3413232967934825},{"text":"Do you know what I mean?","start":780.77,"end":781.91003,"sentiment":"neutral","sentiment_score":-0.149799977739652}],"sentiment":"neutral","sentiment_score":-0.06028898199325177,"num_words":67,"start":760.84503,"end":781.91003},{"sentences":[{"text":"And with that one too, I can always have a look and see if there's anyone that might offer a better price as well or just do an alteration with one path.","start":784.69,"end":793.975,"sentiment":"neutral","sentiment_score":-0.007372988271526992},{"text":"Do you want me to look at both?","start":793.975,"end":795.495,"sentiment":"neutral","sentiment_score":-0.01724537229165435},{"text":"Like, are you okay to go through another application if we find someone?","start":795.495,"end":798.715,"sentiment":"neutral","sentiment_score":-0.03719550858323391},{"text":"Okay.","start":800.63995,"end":801.13995,"sentiment":"neutral","sentiment_score":-0.07370918989181519},{"text":"Any health issues pop up since October 2024?","start":802.0,"end":805.86,"sentiment":"neutral","sentiment_score":-0.18206478003412485}],"sentiment":"neutral","sentiment_score":-0.038510768464015376,"num_words":62,"start":784.69,"end":805.86},{"sentences":[{"text":"Cool.","start":807.6,"end":808.0,"sentiment":"neutral","sentiment_score":0.02316809818148613},{"text":"Alright.","start":808.0,"end":808.24,"sentiment":"neutral","sentiment_score":-0.010830210521817207},{"text":"So everything that we used previously, I can use that again.","start":808.24,"end":810.735,"sentiment":"positive","sentiment_score":0.4252459542317824},{"text":"Sensational.","start":812.33496,"end":812.83496,"sentiment":"positive","sentiment_score":0.3377706706523895},{"text":"Benefit period is six years waiting period, sixty days.","start":814.415,"end":817.39496,"sentiment":"neutral","sentiment_score":0.11149874495135413}],"sentiment":"neutral","sentiment_score":0.2622305547575588,"num_words":23,"start":807.6,"end":817.39496},{"sentences":[{"text":"With the contributions, because you're putting in so much, the current premiums aren't too bad, but they're obviously getting up there.","start":819.135,"end":825.235,"sentiment":"neutral","sentiment_score":0.2682889877330689},{"text":"I can possibly extend the waiting period out to ninety days to lower the cost a little bit, but it means you'll be without income for the three months and living off of savings.","start":825.91003,"end":835.93,"sentiment":"neutral","sentiment_score":0.03995316311278764},{"text":"Is that kind of stretching it a bit too far?","start":836.07,"end":838.07,"sentiment":"neutral","sentiment_score":-0.10426341891288757},{"text":"Or because if yep.","start":838.07,"end":854.59,"sentiment":"neutral","sentiment_score":0.056916035246104},{"text":"So I can keep it at the 60.","start":854.65,"end":856.25,"sentiment":"positive","sentiment_score":0.4433445557951927}],"sentiment":"neutral","sentiment_score":0.12628912579800403,"num_words":77,"start":819.135,"end":856.25},{"sentences":[{"text":"Like, I'll obviously do the impact on the Subaru and make sure it's still gonna hit targets and grow well.","start":856.25,"end":861.95,"sentiment":"positive","sentiment_score":0.5024361506104469},{"text":"If we don't need to extend it out to ninety days, we don't have to, especially if you're still gonna hit that goal.","start":862.73004,"end":868.855,"sentiment":"neutral","sentiment_score":0.22376071305378623},{"text":"K?","start":871.235,"end":871.555,"sentiment":"neutral","sentiment_score":0.18466603755950928},{"text":"So I'll I'll do it based on the current one and just shade it up slightly and see how we look.","start":871.555,"end":876.27496,"sentiment":"neutral","sentiment_score":0.25278632768562864},{"text":"If there's any major concerns with price, I'll kind of run it by you again.","start":876.27496,"end":880.135,"sentiment":"neutral","sentiment_score":0.06709643031160037}],"sentiment":"neutral","sentiment_score":0.2711855598259717,"num_words":80,"start":856.25,"end":880.135},{"sentences":[{"text":"Awesome.","start":881.96,"end":882.46,"sentiment":"positive","sentiment_score":0.5983473658561707},{"text":"Awesome.","start":882.52,"end":883.02,"sentiment":"positive","sentiment_score":0.5968502163887024},{"text":"So we'll sort out the portfolio contributions, slight bump up of the income protection, bit of a shopping around there.","start":883.16003,"end":891.18,"sentiment":"positive","sentiment_score":0.36729262173175814},{"text":"I I'm pretty much ready to jump into that with the team for the next couple of weeks and see what we can come up with.","start":892.775,"end":898.935,"sentiment":"positive","sentiment_score":0.5070346066584954},{"text":"Any questions on your end?","start":898.935,"end":900.315,"sentiment":"neutral","sentiment_score":0.003353267163038254}],"sentiment":"positive","sentiment_score":0.4102021910531341,"num_words":53,"start":881.96,"end":900.315},{"sentences":[{"text":"Cool.","start":902.53503,"end":903.03503,"sentiment":"neutral","sentiment_score":0.10504719614982604},{"text":"And just to let you know as well from that last advice piece with Kyle, the Benelon option that we're looking to replace, we were just gonna do it like for like with another active option with lower fees, with better performance.","start":904.215,"end":916.95996,"sentiment":"neutral","sentiment_score":0.13072405028201284},{"text":"You can choose to go for a bit more, like, a lower fee passive portfolio.","start":918.06,"end":923.125,"sentiment":"neutral","sentiment_score":0.16790982683499653},{"text":"So you've got the options of either low fees or still pay a decent amount to try and get a higher return.","start":923.425,"end":928.565,"sentiment":"neutral","sentiment_score":0.2454528964378617},{"text":"Do you have a strong preference between the two?","start":928.785,"end":931.44,"sentiment":"neutral","sentiment_score":0.04795265984204081}],"sentiment":"neutral","sentiment_score":0.15669261090708583,"num_words":89,"start":902.53503,"end":931.44},{"sentences":[{"text":"Yeah.","start":957.06995,"end":957.38995,"sentiment":"positive","sentiment_score":0.4405628442764282},{"text":"Cool.","start":957.38995,"end":957.79,"sentiment":"positive","sentiment_score":0.6008427143096924},{"text":"Alright.","start":957.79,"end":958.26996,"sentiment":"positive","sentiment_score":0.3616963624954224},{"text":"So, look, I've been researching these with the investment committee recently just to see if there's some other options out there.","start":958.26996,"end":963.70996,"sentiment":"neutral","sentiment_score":0.20400322618938627},{"text":"We've found a few in both styles.","start":963.70996,"end":965.88995,"sentiment":"neutral","sentiment_score":0.2866522478205817}],"sentiment":"neutral","sentiment_score":0.24818501309041055,"num_words":31,"start":957.06995,"end":965.88995},{"sentences":[{"text":"So I'll kind of keep it within style, get it tuned up a little bit, keep the risk level that four out of five, and we should be good to go.","start":966.18994,"end":973.685,"sentiment":"positive","sentiment_score":0.43573709072605254},{"text":"Awesome.","start":975.585,"end":976.085,"sentiment":"positive","sentiment_score":0.7239351272583008},{"text":"The only other two documents in that pack for you is updated service guide because we've got the updated, like, license info, privacy policy, all that kind of thing.","start":976.22504,"end":985.14,"sentiment":"neutral","sentiment_score":0.21098955232521582},{"text":"And just with the service agreement as well, so I've included the updated service agreement.","start":986.0,"end":991.54,"sentiment":"neutral","sentiment_score":0.13441652804613113},{"text":"So that'll be the next document there.","start":991.83997,"end":994.1,"sentiment":"neutral","sentiment_score":0.14006269297429494}],"sentiment":"neutral","sentiment_score":0.28129118950252074,"num_words":83,"start":966.18994,"end":994.1},{"sentences":[{"text":"We've got the same fees that we're charging, which is the 1.65% spreads throughout the year, so it's not one lump sum, and it caps when you hit 600,000.","start":995.055,"end":1006.115,"sentiment":"neutral","sentiment_score":0.10059400776336933},{"text":"Now the only difference for next year is that we're bringing in a bit of a tiered fee structure.","start":1006.655,"end":1012.0,"sentiment":"neutral","sentiment_score":0.08801200064389329},{"text":"So next year, everyone above 200,000, they're gonna start to get some discounts as well.","start":1012.22003,"end":1017.44,"sentiment":"neutral","sentiment_score":0.12009565631548563},{"text":"So I just wanna let you know this year, these are the same.","start":1018.78,"end":1021.515,"sentiment":"neutral","sentiment_score":0.1655023292853282},{"text":"Next year, probably looking at some discounts, and that should just pick up nicely from 200 to 500,000 and everything above that as well.","start":1021.515,"end":1030.255,"sentiment":"neutral","sentiment_score":0.2010206567744414}],"sentiment":"neutral","sentiment_score":0.13366915125399828,"num_words":100,"start":995.055,"end":1030.255},{"sentences":[{"text":"Awesome, man.","start":1032.155,"end":1033.0549,"sentiment":"positive","sentiment_score":0.5776597857475281},{"text":"Alrighty.","start":1033.595,"end":1034.095,"sentiment":"positive","sentiment_score":0.5282305479049683},{"text":"I'll get stuck into those, and nice and easy.","start":1034.235,"end":1038.23,"sentiment":"positive","sentiment_score":0.5752845340304904},{"text":"Hopefully, everything's a bit up enough.","start":1038.23,"end":1040.63,"sentiment":"positive","sentiment_score":0.35342321793238324},{"text":"You get the reno's done, and it doesn't cost you an arm and a leg.","start":1040.63,"end":1043.29,"sentiment":"neutral","sentiment_score":0.28245302438735964}],"sentiment":"positive","sentiment_score":0.4005589575478525,"num_words":33,"start":1032.155,"end":1043.29},{"sentences":[{"text":"I'm building a deck at the moment.","start":1045.75,"end":1047.4299,"sentiment":"neutral","sentiment_score":0.0721513314970902},{"text":"I've got my uncle doing it because Croatians, they're all tradies.","start":1047.4299,"end":1050.965,"sentiment":"neutral","sentiment_score":-0.0008636743507601998},{"text":"And I've already put 50 into the house at the moment, and I'm up there every weekend putting decking in.","start":1051.345,"end":1057.425,"sentiment":"neutral","sentiment_score":0.0416552952490747},{"text":"And look, it's not it's not cheap.","start":1057.425,"end":1058.965,"sentiment":"negative","sentiment_score":-0.36857993262154715},{"text":"Yeah.","start":1076.465,"end":1076.965,"sentiment":"neutral","sentiment_score":0.011499748565256596}],"sentiment":"neutral","sentiment_score":-0.026954238525713266,"num_words":46,"start":1045.75,"end":1076.965},{"sentences":[{"text":"Is it a big two story, like a second story deck, or is it just low on the ground?","start":1077.1849,"end":1081.765,"sentiment":"neutral","sentiment_score":0.009760672373599127},{"text":"Yeah.","start":1084.385,"end":1084.785,"sentiment":"neutral","sentiment_score":0.022259674966335297},{"text":"Jeez.","start":1084.785,"end":1085.285,"sentiment":"neutral","sentiment_score":0.025489678606390953},{"text":"Yeah.","start":1093.76,"end":1094.0,"sentiment":"neutral","sentiment_score":0.027165330946445465},{"text":"Okay.","start":1094.0,"end":1094.5,"sentiment":"neutral","sentiment_score":0.03422330692410469}],"sentiment":"neutral","sentiment_score":0.01280829419746347,"num_words":23,"start":1077.1849,"end":1094.5},{"sentences":[{"text":"I think ours was three by two, and I think I estimated that about we put in about 10 in materials, but it would have cost about $20.30.","start":1094.8401,"end":1105.715,"sentiment":"neutral","sentiment_score":0.043869093925293},{"text":"It almost tempts you to wanna do it yourself at some point.","start":1107.375,"end":1109.775,"sentiment":"neutral","sentiment_score":0.14939915761351585},{"text":"Go on YouTube and get a bit of eco decking.","start":1109.775,"end":1111.955,"sentiment":"neutral","sentiment_score":0.12499214541167021},{"text":"But see how we go.","start":1114.5,"end":1115.6201,"sentiment":"neutral","sentiment_score":0.018526601046323775},{"text":"And, like, you've got all the time in the world to be building a deck, but who knows?","start":1115.6201,"end":1119.2201,"sentiment":"neutral","sentiment_score":0.016110891993674967}],"sentiment":"neutral","sentiment_score":0.06374897310280636,"num_words":73,"start":1094.8401,"end":1119.2201},{"sentences":[{"text":"Hobby.","start":1119.2201,"end":1119.7201,"sentiment":"neutral","sentiment_score":0.04122344404459},{"text":"Awesome day, mate.","start":1122.8201,"end":1123.7001,"sentiment":"positive","sentiment_score":0.5973028341929117},{"text":"Anything else that I can help you with today, man?","start":1123.7001,"end":1125.915,"sentiment":"neutral","sentiment_score":0.2837493658065796},{"text":"Yeah.","start":1135.115,"end":1135.355,"sentiment":"neutral","sentiment_score":0.053211431950330734},{"text":"Look.","start":1135.355,"end":1135.5951,"sentiment":"neutral","sentiment_score":0.09151096642017365}],"sentiment":"neutral","sentiment_score":0.3009592501912266,"num_words":16,"start":1119.2201,"end":1135.5951},{"sentences":[{"text":"I'm gonna get you figured pretty quickly.","start":1135.5951,"end":1137.295,"sentiment":"neutral","sentiment_score":0.15733262257916586},{"text":"Basically, what I'm gonna do is I'll factor in a couple that'll go in.","start":1137.755,"end":1141.23,"sentiment":"neutral","sentiment_score":0.126165792878185},{"text":"Because they seem to be paying it monthly, I pretty much wanna get a plan updated in the next two weeks.","start":1141.3099,"end":1147.25,"sentiment":"neutral","sentiment_score":0.16457926198130562},{"text":"I'll go through the plan with you, and then from August onwards, we can have that updated figures.","start":1148.03,"end":1153.97,"sentiment":"neutral","sentiment_score":0.2005165062016911},{"text":"And I'll just adjust it slightly with a bit of leeway so that one contribution doesn't tip you over.","start":1154.305,"end":1159.525,"sentiment":"neutral","sentiment_score":0.14879125788023598}],"sentiment":"neutral","sentiment_score":0.1615208224216594,"num_words":79,"start":1135.5951,"end":1159.525},{"sentences":[{"text":"Cool.","start":1161.345,"end":1161.845,"sentiment":"neutral","sentiment_score":0.12234113365411758},{"text":"So, again, just keep an ear out for the team.","start":1161.985,"end":1164.145,"sentiment":"positive","sentiment_score":0.3601206004619598},{"text":"They'll give you a buzz, text, and email over the next two weeks, and and then we can line it up with work straight after that.","start":1164.145,"end":1170.52,"sentiment":"neutral","sentiment_score":0.2500944538758351},{"text":"Awesome, mate.","start":1172.8201,"end":1173.38,"sentiment":"positive","sentiment_score":0.8547384738922119},{"text":"Well, I'll leave that pack with you.","start":1173.38,"end":1174.9,"sentiment":"positive","sentiment_score":0.45308205485343933}],"sentiment":"neutral","sentiment_score":0.3284142232783463,"num_words":46,"start":1161.345,"end":1174.9},{"sentences":[{"text":"Let me know if you got any questions, and I'll talk to you in a couple of weeks.","start":1174.9,"end":1178.92,"sentiment":"neutral","sentiment_score":0.3065904958380593},{"text":"Thanks, Dan.","start":1181.637,"end":1182.1969,"sentiment":"positive","sentiment_score":0.7667351067066193},{"text":"You too, mate.","start":1182.1969,"end":1182.8369,"sentiment":"positive","sentiment_score":0.615621546904246},{"text":"Talk soon.","start":1182.8369,"end":1183.497,"sentiment":"positive","sentiment_score":0.4083748608827591},{"text":"Bye.","start":1183.637,"end":1184.137,"sentiment":"neutral","sentiment_score":-0.11930301785469057}],"sentiment":"positive","sentiment_score":0.3690927108893028,"num_words":26,"start":1174.9,"end":1184.137}]}}]},{"alternatives":[{"transcript":"Hello? Good. How are you? Yeah. Not too bad, mate. Not too bad at all. Yep. Oh, it doesn't matter. Yeah. You can send it to me, and I'll just put my phone on loudspeaker or something. Should be right. Yep. Yes. Date of birth, sixteenth of the second nineteen eighty nine. And address, 28 Ridley Waters Drive, Moraine 4211. Yeah. Yep. No. Nothing really. Yeah. I'll put that. Yep. Yep. Yep. Yep. Yep. Yes. But yeah. '20. Yeah. Something on that. Yep. Yes. Same thing. Yep. Gross you're talking about? Yeah. This year was February. Mhmm. Yep. Yeah. That's fine. Yep. Yep. Yep. Yep. Yep. Yeah. Well, yeah, that's, yeah, that's what we called them for. I haven't done a thing lately on how much they are, but off real estate, the last time I checked, I think then the Ipswich one was, like, 900, and the the ring, I think, was 1.4 or 1.45, I think, last time I checked. No. I don't think so. They would they'd probably yeah. Probably be, like, 6, maybe $6.20 for Ipswich and yeah. I don't it'd probably be nearly around the same area for the the wrong one. Oh, yeah. It's at 30 now because we put that $50 in. Pretty much on these two. The that was the whole thing. We're gonna do the whole stupor. That was gonna be our next one, but now that's all gone. So we don't know what we're gonna do. Yeah. Yeah. I'll see what happens. And, yeah, if we got some I don't know if we use some equity because we're planning on doing a few renovations maybe next month or applying for a loan to get some stuff done. So we'll see what happens. Yeah. They have oh, we just got a deck out, like, out the back around the property and and a floor in our main in our main room as our main two major ones and then just a rendering of the house of half the house as well. So we're looking at, well, it could be a $100, but we might we'll see what happens if we can get all three under a 100 or something or maybe even 56. Who knows? But, yeah, we're so we haven't really looked into it yet, but we're just slowly getting some quotes. Yeah. It'll be pretty soon. Yeah. Yep. Yep. Yeah. Yep. Yep. Yep. Yep. K. That's good. Yep. Yep. Yep. Yep. Yep. Yeah. Okay then. No. That's good. That's good to hear. I'm no. I'm happy to if it means yeah. We don't have to be as aggressive, obviously, and that's fine as well. That's, yeah, not a problem. Yep. Yep. Yep. Yeah. That's fine. Yep. Yep. No worries. No. No. No. No. No. We haven't. Yeah. Yeah. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. I know. Yep. Yep. Yep. Yes. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Yep. Yeah. Yeah. It would it would yeah. It would have to. Yeah. It should be. Yeah. Oh, you can look maybe. Maybe. Yeah. You probably have a look and see if it could go up. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Why not? No. Yes. If you would I probably would be, just in case. Yeah. Yep. Yep. Yeah. That's fine. No worries. No. No. Nothing else. Yep. Yep. Yep. No. Not really. I prefer the I wouldn't as as you said, with the lower passive, I'll probably put it a little bit of time up my side. So I'd probably still wanna keep it at that either, like, medium or or, like, more aggressive style. Yep. Yep. Yep. Yeah. I got it. I got it. Yep. Yeah. Yeah. Hopefully. We'll figure out how to go. Oh, yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Well, that's what we we actually got one, like, a quote, and it was, like, $70,000. And I'm like, I don't know if it'd be I don't know if or I don't know how much fixed cost, but I've looked at it and gone up. Surely, it can't be that much, but you never know. Please take. No. It's it's just one on the ground. Probably probably about, like, I don't know, five five meters long and five meters wide, maybe. Yeah. Yeah. Okay. It does. Yeah. Yeah. I know. I know. It's crazy. Yeah. Yeah. Yeah. I know. No. That should be it. So you guys and I just keep it at the $2.50 until I hear back from you with the salary sacrifice? Yep. Yep. Not a problem. Yep. Too lazy. Yep. Yeah. No worries. All good. Okay. No worries. Have a good one. Bye. 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Good. How are you? Yeah. Not too bad, mate.\n\nNot too bad at all. Yep. Oh, it doesn't matter. Yeah. You can send it to me, and I'll just put my phone on loudspeaker or something.\n\nShould be right. Yep. Yes. Date of birth, sixteenth of the second nineteen eighty nine. And address, 28 Ridley Waters Drive, Moraine 4211.\n\nYeah. Yep. No. Nothing really. Yeah.\n\nI'll put that. Yep. Yep. Yep. Yep.\n\nYep. Yes. But yeah. '20. Yeah.\n\nSomething on that. Yep. Yes. Same thing. Yep.\n\nGross you're talking about? Yeah. This year was February. Mhmm. Yep.\n\nYeah. That's fine. Yep. Yep. Yep.\n\nYep. Yep. Yeah. Well, yeah, that's, yeah, that's what we called them for. I haven't done a thing lately on how much they are, but off real estate, the last time I checked, I think then the Ipswich one was, like, 900, and the the ring, I think, was 1.4 or 1.45, I think, last time I checked.\n\nNo. I don't think so. They would they'd probably yeah. Probably be, like, 6, maybe $6.20 for Ipswich and yeah. I don't it'd probably be nearly around the same area for the the wrong one.\n\nOh, yeah. It's at 30 now because we put that $50 in. Pretty much on these two. The that was the whole thing. We're gonna do the whole stupor.\n\nThat was gonna be our next one, but now that's all gone. So we don't know what we're gonna do. Yeah. Yeah. I'll see what happens.\n\nAnd, yeah, if we got some I don't know if we use some equity because we're planning on doing a few renovations maybe next month or applying for a loan to get some stuff done. So we'll see what happens. Yeah. They have oh, we just got a deck out, like, out the back around the property and and a floor in our main in our main room as our main two major ones and then just a rendering of the house of half the house as well. So we're looking at, well, it could be a $100, but we might we'll see what happens if we can get all three under a 100 or something or maybe even 56.\n\nWho knows? But, yeah, we're so we haven't really looked into it yet, but we're just slowly getting some quotes. Yeah. It'll be pretty soon. Yeah.\n\nYep. Yep. Yeah. Yep. Yep.\n\nYep. Yep. K. That's good. Yep.\n\nYep. Yep. Yep. Yep. Yeah.\n\nOkay then. No. That's good. That's good to hear. I'm no.\n\nI'm happy to if it means yeah. We don't have to be as aggressive, obviously, and that's fine as well. That's, yeah, not a problem. Yep. Yep.\n\nYep. Yeah. That's fine. Yep. Yep.\n\nNo worries. No. No. No. No.\n\nNo. We haven't. Yeah. Yeah. Yeah.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yeah. I know.\n\nYep. Yep. Yep. Yes. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYeah. Yep. Yeah. Yeah. It would it would yeah.\n\nIt would have to. Yeah. It should be. Yeah. Oh, you can look maybe.\n\nMaybe. Yeah. You probably have a look and see if it could go up. Yep. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nWhy not? No. Yes. If you would I probably would be, just in case. Yeah.\n\nYep. Yep. Yeah. That's fine. No worries.\n\nNo. No. Nothing else. Yep. Yep.\n\nYep. No. Not really. I prefer the I wouldn't as as you said, with the lower passive, I'll probably put it a little bit of time up my side. So I'd probably still wanna keep it at that either, like, medium or or, like, more aggressive style.\n\nYep. Yep. Yep. Yeah. I got it.\n\nI got it. Yep. Yeah. Yeah. Hopefully.\n\nWe'll figure out how to go. Oh, yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Well, that's what we we actually got one, like, a quote, and it was, like, $70,000. And I'm like, I don't know if it'd be I don't know if or I don't know how much fixed cost, but I've looked at it and gone up. Surely, it can't be that much, but you never know.\n\nPlease take. No. It's it's just one on the ground. Probably probably about, like, I don't know, five five meters long and five meters wide, maybe. Yeah.\n\nYeah. Okay. It does. Yeah. Yeah.\n\nI know. I know. It's crazy. Yeah. Yeah.\n\nYeah. I know. No. That should be it. So you guys and I just keep it at the $2.50 until I hear back from you with the salary sacrifice?\n\nYep. Yep. Not a problem. Yep. Too lazy.\n\nYep. Yeah. No worries. All good. Okay.\n\nNo worries. Have a good one. Bye. Yep.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.96,"end":1.46,"sentiment":"neutral","sentiment_score":0.03590260073542595},{"text":"Good.","start":4.72,"end":5.12,"sentiment":"neutral","sentiment_score":0.28330767154693604},{"text":"How are you?","start":5.12,"end":5.94,"sentiment":"neutral","sentiment_score":0.20172400772571564},{"text":"Yeah.","start":8.72,"end":9.04,"sentiment":"neutral","sentiment_score":0.16038765013217926},{"text":"Not too bad, mate.","start":9.04,"end":9.84,"sentiment":"neutral","sentiment_score":0.20716415345668793}],"sentiment":"neutral","sentiment_score":0.191342655941844,"num_words":10,"start":0.96,"end":9.84},{"sentences":[{"text":"Not too bad at all.","start":9.84,"end":10.98,"sentiment":"neutral","sentiment_score":0.23888832628726958},{"text":"Yep.","start":16.805,"end":17.305,"sentiment":"neutral","sentiment_score":0.09777751564979552},{"text":"Oh, it doesn't 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Tommy here from Oakview, mate. How are you doing?\n\nChannel 1: Good. How are you?\n\nChannel 0: Mate, sensational. It's been a brilliant day. What about your end?\n\nChannel 1: Yeah. Not too bad, mate. Not too bad at all.\n\nChannel 0: Awesome. Awesome, mate. I've your annual review ready to go and a few documents to email out to you.\n\nChannel 1: Yep.\n\nChannel 0: Do you mind if I pop that through your email now? Will you be able to look on to them with me, or should I just kinda walk you through?\n\nChannel 1: Oh, it doesn't matter. Yeah. You can send it to me, and I'll just put my phone on loudspeaker or something.\n\nChannel 0: Yeah. That's\n\nChannel 1: Should\n\nChannel 0: no\n\nChannel 1: be\n\nChannel 0: worries.\n\nChannel 1: right.\n\nChannel 0: There's a couple of things I wanted to just kinda touch on in the super, which neither here nor there. I'll kinda walk you through some options.\n\nChannel 1: Yep.\n\nChannel 0: I just quickly checked security with your usual checks. Could you confirm your date of birth and address, sir?\n\nChannel 1: Yes. Date of birth, sixteenth of the second nineteen eighty nine. And address, 28 Ridley Waters Drive, Moraine 4211.\n\nChannel 0: Sensational. Thank you, Dane. And are you okay for the call to be recorded?\n\nChannel 1: Yeah.\n\nChannel 0: Amazing, mate. So I'll pop this through to you now. I've got your details up there. I just wanna do a quick little update on your circumstances, talk through the super, few other things there as well. Is\n\nChannel 1: Yep.\n\nChannel 0: there anything in particular you want me to focus on today from our last conversations or anything new?\n\nChannel 1: No. Nothing really.\n\nChannel 0: Yep. Perfect. Perfect. So that should come through pretty soon.\n\nChannel 1: Yeah.\n\nChannel 0: I'm basically\n\nChannel 1: I'll put\n\nChannel 0: wanna\n\nChannel 1: that.\n\nChannel 0: touch on awesome. Awesome. So with the new system, we've got it rearranged a little bit. If you can go into that email and just hit that sign button to bring up the documents first, you don't have to click anything else. Just scroll through them with me.\n\nChannel 1: Yep. Yep. Yep. Yep.\n\nChannel 0: Cool. First one you should see is the summary of super insurance with our letterhead on the top. Perfect. So we'll talk about the hub. We'll talk about the one path.\n\nThat's the two main products at the moment. I'm just having a look through the details because I've got all of the contributions are all in. Notice of intent's all been sorted for the tax return. I think you booked\n\nChannel 1: Yep.\n\nChannel 0: in with your accountant, what, July 2628?\n\nChannel 1: Yes. But yeah. '20. Yeah. Something on that.\n\nChannel 0: Yep. Perfect. In terms of other circumstances, so you've got married with Nat. You've got the two children. And with with the occupation, that plant operator, we we had your income as a pretty widespread between base income, and you were doing two on, one off.\n\nAre you still on\n\nChannel 1: Yep.\n\nChannel 0: the same roster?\n\nChannel 1: Yes. Same thing. Yep.\n\nChannel 0: Cool. So for the financial year, do you have an idea of where your income landed at the end of June for the year?\n\nChannel 1: Gross you're talking about?\n\nChannel 0: Yeah. Because I think we had, like, $2.50 estimate last time. Just\n\nChannel 1: Yeah.\n\nChannel 0: wondering how close\n\nChannel 1: This\n\nChannel 0: that is.\n\nChannel 1: year was February.\n\nChannel 0: February. Okay. Alright. 02/4000. One part I wanted to just start with as well is because we\n\nChannel 1: Mhmm.\n\nChannel 0: did that contribution and you had that carry forward cap to use up at the time and you're doing the salary\n\nChannel 1: Yep.\n\nChannel 0: sacrifice, I wanna just run by you possibly reducing that down a little bit so you don't go over the cap for next financial year.\n\nChannel 1: Yeah. That's fine. Yep.\n\nChannel 0: Cool. So I'll crunch the numbers there based on what's sort of going through, but I think there's about 1,000 a month, $2.50 a week going in, and\n\nChannel 1: Yep.\n\nChannel 0: the new cap's 32 and a half.\n\nChannel 1: Yep.\n\nChannel 0: Cool. So I'll crunch that and send that through. Alright. Assets wise, we've got the property in Narang, and we've got the property in Ipswich.\n\nChannel 1: Yep. Yep.\n\nChannel 0: I think Narang, we had valued at about 1.2 Ipswich was about $6.70. I'm assuming those have probably jumped up a little bit.\n\nChannel 1: Yeah. Well, yeah, that's, yeah, that's what we called them for. I haven't done a thing lately on how much they are, but off real estate, the last time I checked, I think then the Ipswich one was, like, 900, and the the ring, I think, was 1.4 or 1.45, I think, last\n\nChannel 0: Yep.\n\nChannel 1: time I checked.\n\nChannel 0: Alright. I'll do 1.4 to be conservative. Thank you for that. And just quickly on the debts and savings there. So we had 800 owing on Narang, $6.60 owing on Ipswich.\n\nHas there been a big drop in either of those two loans?\n\nChannel 1: No. I don't think so. They would they'd probably yeah. Probably be, like, 6, maybe $6.20 for Ipswich and yeah. I don't it'd probably be nearly around the same area for the the wrong one.\n\nChannel 0: Yep. Perfect. No. Thank you for that, Tane. And with the contributions that you put in, I think we had about $70 in savings last year.\n\nJust wondering just an updated figure for emergency funds, rainy day fund.\n\nChannel 1: Oh, yeah. It's at 30 now because we put that $50 in.\n\nChannel 0: Yep. Perfect. Thank you so much for updating those details for me, mate. Priorities for you guys. So, obviously, properties are kind of sorted.\n\nWere you still looking to do that relocation like any other property switches in the next couple of years, or are you pretty well set on these two?\n\nChannel 1: Pretty much on these two. The that was the whole thing. We're gonna do the whole stupor. That was gonna be our next one, but now that's all gone. So we don't know what we're gonna do.\n\nChannel 0: Yeah. Just focus on these for the time being and then keep\n\nChannel 1: Yeah.\n\nChannel 0: an ear out for some opportunities after that.\n\nChannel 1: Yeah. I'll see what happens. And, yeah, if we got some I don't know if we use some equity because we're planning on doing a few renovations maybe next month or applying for a loan to get some stuff done. So we'll see what\n\nChannel 0: With the renos, they've I've\n\nChannel 1: happens.\n\nChannel 0: noticed the cost of materials have jumped up quite a bit. Have you got\n\nChannel 1: Yeah.\n\nChannel 0: a bit of an\n\nChannel 1: They\n\nChannel 0: estimate\n\nChannel 1: have\n\nChannel 0: on what you're trying to get done and how much it might be?\n\nChannel 1: oh, we just got a deck out, like, out the back around the property and and a floor in our main in our main room as our main two major ones and then just a rendering of the house of half the house as\n\nChannel 0: Yeah.\n\nChannel 1: well. So we're looking at, well, it could be a $100, but we might we'll see what happens if we can get all three under a 100 or something or maybe even 56. Who knows? But, yeah, we're\n\nChannel 0: Yeah.\n\nChannel 1: so we haven't really looked into it yet, but we're just\n\nChannel 0: But\n\nChannel 1: slowly\n\nChannel 0: it's on the\n\nChannel 1: getting\n\nChannel 0: cards\n\nChannel 1: some quotes.\n\nChannel 0: for\n\nChannel 1: Yeah.\n\nChannel 0: next\n\nChannel 1: It'll be\n\nChannel 0: six\n\nChannel 1: pretty\n\nChannel 0: months.\n\nChannel 1: soon. Yeah.\n\nChannel 0: K. So I'll put 50 to a 100 in on that goal there. Outside of that, I mean, some of the good news, I did mention last time that, obviously, with that contribution going in, super has been boosted up quite a bit. And we were still aiming to kind of retire as early as possible towards eight to 60 when you can\n\nChannel 1: Yep.\n\nChannel 0: access\n\nChannel 1: Yep.\n\nChannel 0: your super.\n\nChannel 1: Yeah.\n\nChannel 0: Mate, some good news I've got for you is that it's jumped up about 8% even with the market kind of dropping. So the growth's been there. It's been a solid sort of 95,000 with the the 50 that went in, 15% tax come\n\nChannel 1: Yep.\n\nChannel 0: off of that. So about 40\n\nChannel 1: Yep.\n\nChannel 0: two went in. And then you've had about another $45 in growth in contributions on top of that. So even with the market going down, you still jumped into the positive, which is really good.\n\nChannel 1: Yep. Yep. K.\n\nChannel 0: A\n\nChannel 1: That's\n\nChannel 0: couple\n\nChannel 1: good.\n\nChannel 0: of things I'm sort of thinking, though, is we had a previous discussion with Kyle, one of our advisers, where he was trying to maybe look at getting you bumped up towards, like, high growth to try and go from that sort of 80% growth assets in the super to 90 and get a bit more returns under the belt.\n\nChannel 1: Yep.\n\nChannel 0: In addition to that, there was one investment option that we were trying to switch out with Benelong that wasn't doing too well. Most of the other options have been kind of soaring up in the double digits, but there's one there that's been dragging its feet. So\n\nChannel 1: Yep.\n\nChannel 0: he was wanting to kind of bump you up and and amend a few options there. Now\n\nChannel 1: Yep.\n\nChannel 0: one of the things I wanna run by you is that because of that extra contribution that's going in, you you probably don't even need to go high risk to get\n\nChannel 1: Yep.\n\nChannel 0: to the goal that you wanna do. So I always kind of paint this with clients as we need to get you there with the least risk possible.\n\nChannel 1: Yep.\n\nChannel 0: And I wanted to run it by you first and say, hey. Do we just stay that four out of five and and go for steady growth, or do we kind of go put on the gas kind of thing? You've got both options and heaps of time under the belt, but it may not be entirely necessary now that you've made that contribution.\n\nChannel 1: Yeah. Okay then. No. That's good. That's good to hear.\n\nI'm no. I'm happy to if it means yeah. We don't have to be as aggressive, obviously, and that's fine as well. That's, yeah, not a problem.\n\nChannel 0: Awesome. Because at the end of the day, like, with the salary sacrifice, high contributions, you've got a huge balance for your age and really good returns under that growth fund.\n\nChannel 1: Yep.\n\nChannel 0: What's the point in taking an extra peg of risk where you could come back and lose a 100,000 next time the market crashes if we don't\n\nChannel 1: Yep.\n\nChannel 0: need to?\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Yeah. That's\n\nChannel 0: if you're\n\nChannel 1: fine.\n\nChannel 0: okay with that, what I'll do\n\nChannel 1: Yep.\n\nChannel 0: is while I work out the salary sacrifice figures, I do wanna update that one investment option that's dragging its feet and just kinda do a bit of an engine tune up.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Cool. Alright. So I'll get that sorted. I'll put together a bit of an updated plan, just kinda show you the updated projections and everything, and we'll sort out the contributions in the portfolio there. Any questions on that so far?\n\nChannel 1: No. No. No.\n\nChannel 0: Perfect.\n\nChannel 1: No.\n\nChannel 0: Last two areas, just in terms of estate planning, I did have note that you don't currently have, like, the will and the power of attorney in place at the moment. Don't know if you got that sorted randomly in the last twelve months.\n\nChannel 1: No. We haven't.\n\nChannel 0: That's okay. We've still got that listed as beneficiary for the super. So I'm assuming just leave that on there and come back to the\n\nChannel 1: Yeah.\n\nChannel 0: will when life is when you could put a time under the hands.\n\nChannel 1: Yeah. Yeah. Yep.\n\nChannel 0: Yep. Absolutely. And the main thing too is just in terms of the insurances. So if you still got that email up, can you\n\nChannel 1: Yep.\n\nChannel 0: please go through there should be, like, a next document button to skip through from the summary to a bit of a Vanguard chart, nice colorful market chart there.\n\nChannel 1: Yep.\n\nChannel 0: If you go past that one, you'll have a\n\nChannel 1: Yep.\n\nChannel 0: blue table for your hub 24.\n\nChannel 1: Yep.\n\nChannel 0: So just for your own info, this list every investment option, and the very right hand side tells you the performance in percentage terms for all of them. You've got\n\nChannel 1: Yep.\n\nChannel 0: the then along at the top right is the one that's gone into the negative. Everything else below that, 5% for the safe funds, which is perfect. That's what we're aiming for for the safe assets, and the rest of\n\nChannel 1: Yep.\n\nChannel 0: them are sixteen, sixteen, seventy, sixteen,\n\nChannel 1: Yep.\n\nChannel 0: one for the other bonds. So all of those are looking pretty good. It's just\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: I\n\nChannel 0: one\n\nChannel 1: know.\n\nChannel 0: at the top.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Next page is like all the portfolio put into one.\n\nChannel 1: Yep.\n\nChannel 0: And then if you skip past that one, your certificate's a one path.\n\nChannel 1: Yes.\n\nChannel 0: And it should be\n\nChannel 1: Yep.\n\nChannel 0: green. Yep.\n\nChannel 1: Yep.\n\nChannel 0: So you've got one 1 and a half mil of life in total disability insurance. So you pass away, you can never work again. Here's a big lump sum, clear all the debts out, and\n\nChannel 1: Yep.\n\nChannel 0: pretty much leave the family debt free. And then\n\nChannel 1: Yep.\n\nChannel 0: you've also got the income protection, eight\n\nChannel 1: Yep.\n\nChannel 0: $9.06 0 a month, sixty day wait because you've got the savings there, and a six year benefit period where they'll pay\n\nChannel 1: Yep.\n\nChannel 0: you monthly for six years instead of the usual five years. That's one of the good things about one path is they give you an extra year.\n\nChannel 1: Yeah.\n\nChannel 0: So I'm just quickly working that back with the cover amount. It's protecting an income of about a 150,000.\n\nChannel 1: Yep.\n\nChannel 0: Obviously, your income fluctuates quite high, but I just wanna check with you that kind of $9\n\nChannel 1: Yeah.\n\nChannel 0: a month, does that still cover the bills and get you guys by? Call it two just under $2 a week after tax.\n\nChannel 1: Yeah. It would it would yeah. It would have to. Yeah. It should be.\n\nChannel 0: K. Do\n\nChannel 1: Yeah.\n\nChannel 0: you want me to look at bumping it up, or do you think just leave it as is and keep the premiums low?\n\nChannel 1: Oh, you can look maybe. Maybe. Yeah. You probably have a look and see if it could go up.\n\nChannel 0: K. So one of the options I've got is I can just do, like, a flat, like, 10,000 a month. Might get\n\nChannel 1: Yep.\n\nChannel 0: you that extra thousand bucks. Anything over 10, you've got to go through, like, mandatory blood tests and all that kind of rigmarole. If that slight shade up might kind of cover it, that might be good. Only\n\nChannel 1: Yeah.\n\nChannel 0: thing I'm worried about is I don't wanna go, like, $15 worth of cover and you're paying $7,000 out of premiums.\n\nChannel 1: Yeah.\n\nChannel 0: Do you know what I mean?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: And with that one too, I can always have a look and see if there's anyone that might offer a better price as well or just do an alteration with one path. Do you want me to look at both? Like, are you okay\n\nChannel 1: Yeah.\n\nChannel 0: to go through another application if we find someone?\n\nChannel 1: Yeah. Why not?\n\nChannel 0: Okay. Any health issues pop up since October 2024?\n\nChannel 1: No.\n\nChannel 0: Cool. Alright. So everything that we used previously, I can use that again.\n\nChannel 1: Yes.\n\nChannel 0: Sensational. Benefit period is six years waiting period, sixty days. With the contributions, because you're putting in so much, the current premiums aren't too bad, but they're obviously getting up there. I can possibly extend the waiting period out to ninety days to lower the cost a little bit, but it means you'll be without income for the three months and living off of savings. Is that kind of stretching it a bit too far?\n\nOr because if\n\nChannel 1: If you would I probably would be, just in case. Yeah.\n\nChannel 0: yep. So I can keep it at the 60. Like, I'll obviously do the impact on the Subaru and make sure it's still gonna hit targets and grow well. If we don't need to extend it out to ninety days, we don't have to, especially if you're still gonna hit that goal.\n\nChannel 1: Yep. Yep. Yeah. That's fine.\n\nChannel 0: K? So I'll I'll do it based on the current one and just shade it up slightly and see how we look. If there's any major concerns with price, I'll kind of run it by you again.\n\nChannel 1: No worries.\n\nChannel 0: Awesome. Awesome. So we'll sort out the portfolio contributions, slight bump up of the income protection, bit of a shopping around there. I I'm pretty much ready to jump into that with the team for the next couple of weeks and see what we can come up with. Any questions on your\n\nChannel 1: No.\n\nChannel 0: end?\n\nChannel 1: No.\n\nChannel 0: Cool.\n\nChannel 1: Nothing else.\n\nChannel 0: And just to let you know as well from that last advice piece with Kyle, the Benelon option that we're looking to replace, we were just gonna do it like for like with another active option with lower fees, with better performance.\n\nChannel 1: Yep.\n\nChannel 0: You can choose to go for a bit more,\n\nChannel 1: Yep.\n\nChannel 0: like, a lower fee passive portfolio. So you've got the options of either low fees or still pay a decent amount to try and get a higher return. Do you have a\n\nChannel 1: Yep.\n\nChannel 0: strong preference between the two?\n\nChannel 1: No. Not really. I prefer the I wouldn't as as you said, with the lower passive, I'll probably put it a little bit of time up my side. So I'd probably still wanna keep it at that either, like, medium or or, like, more aggressive style.\n\nChannel 0: Yeah. Cool. Alright. So, look, I've been researching these with the investment committee recently just to see\n\nChannel 1: Yep.\n\nChannel 0: if there's some other options out there. We've found a few in both styles. So I'll kind of keep it within style, get it tuned up a little bit, keep the risk level that four out of five, and we should be good to go. Awesome. The only other two documents in that pack for you is updated service guide because we've got the updated, like, license info, privacy policy, all that\n\nChannel 1: Yep.\n\nChannel 0: kind of thing.\n\nChannel 1: Yep.\n\nChannel 0: And just with the service agreement as well, so I've included the updated service agreement. So that'll be the next document there. We've got the same fees that we're charging, which is the 1.65% spreads throughout the year, so it's not one lump sum, and\n\nChannel 1: Yeah.\n\nChannel 0: it caps when you hit 600,000. Now\n\nChannel 1: I got\n\nChannel 0: the only difference for next year is that we're bringing in a bit of a tiered fee structure. So next year, everyone above 200,000, they're gonna start to get some discounts as well.\n\nChannel 1: it. I got it.\n\nChannel 0: So I just wanna let you know this year, these are the same. Next year, probably looking at some discounts, and that\n\nChannel 1: Yep.\n\nChannel 0: should just pick up nicely from 200 to 500,000 and everything above that as well. Awesome, man. Alrighty. I'll get stuck into those, and nice and easy. Hopefully, everything's a bit up enough.\n\nYou get the reno's done, and it doesn't cost you an arm and a leg.\n\nChannel 1: Yeah. Yeah. Hopefully. We'll figure out how to go.\n\nChannel 0: I'm building a deck at the moment. I've got my uncle doing it because\n\nChannel 1: Oh, yeah.\n\nChannel 0: Croatians, they're all tradies. And\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: I've already put 50 into the house at the moment, and I'm up there\n\nChannel 1: Yeah.\n\nChannel 0: every\n\nChannel 1: Yeah.\n\nChannel 0: weekend putting decking in. And look, it's not it's not cheap.\n\nChannel 1: Yeah. Well, that's what we we actually got one, like, a quote, and it was, like, $70,000. And I'm like, I don't know if it'd be I don't know if or I don't know how much fixed cost, but I've looked at it and gone up. Surely, it can't be that much, but you never know. Please take.\n\nChannel 0: Yeah. Is it a big two story, like a second story deck, or is it just low on\n\nChannel 1: No.\n\nChannel 0: the\n\nChannel 1: It's\n\nChannel 0: ground?\n\nChannel 1: it's just one on the ground.\n\nChannel 0: Yeah. Jeez.\n\nChannel 1: Probably probably about, like, I don't know, five five meters long and five meters wide, maybe.\n\nChannel 0: Yeah. Okay. I\n\nChannel 1: Yeah.\n\nChannel 0: think ours was three by two, and I think I estimated that about we put in about 10 in materials, but it would have cost about $20.30.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: It almost tempts you to wanna do it yourself at some point. Go on\n\nChannel 1: It\n\nChannel 0: YouTube\n\nChannel 1: does.\n\nChannel 0: and get\n\nChannel 1: Yeah.\n\nChannel 0: a bit of eco decking.\n\nChannel 1: Yeah. I know. I know. It's crazy.\n\nChannel 0: But see how we go. And, like, you've\n\nChannel 1: Yeah.\n\nChannel 0: got all the time in the world to be building a deck, but who knows?\n\nChannel 1: Yeah.\n\nChannel 0: Hobby.\n\nChannel 1: Yeah. I know.\n\nChannel 0: Awesome day, mate. Anything else that I can help you with today, man?\n\nChannel 1: No. That should be it. So you guys and I just keep it at the $2.50 until I hear back from you with the salary sacrifice?\n\nChannel 0: Yeah. Look. I'm gonna get you figured pretty quickly. Basically, what I'm gonna do is I'll factor in a couple that'll go in. Because they seem to be paying it monthly, I\n\nChannel 1: Yep.\n\nChannel 0: pretty much wanna get a plan updated in the next two weeks. I'll go through the plan with you, and then from August onwards,\n\nChannel 1: Yep.\n\nChannel 0: we can have that updated figures. And\n\nChannel 1: Not a\n\nChannel 0: I'll\n\nChannel 1: problem.\n\nChannel 0: just adjust it slightly with a bit of leeway so that one contribution doesn't tip you over.\n\nChannel 1: Yep. Too lazy.\n\nChannel 0: Cool. So, again, just keep an ear out for the team. They'll give you a buzz, text, and email over the next two weeks,\n\nChannel 1: Yep.\n\nChannel 0: and and then we can line it up with work straight after that.\n\nChannel 1: Yeah. No worries. All good.\n\nChannel 0: Awesome, mate. Well, I'll leave that pack with you. Let me know if you got any questions, and I'll talk to you in a couple of weeks.\n\nChannel 1: Okay. No worries. Have a good one.\n\nChannel 0: Thanks, Dan. You too, mate. Talk soon.\n\nChannel 1: Bye. Yep.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.96,"end":1.46,"sentiment":"neutral","sentiment_score":0.03590260073542595}],"sentiment":"neutral","sentiment_score":0.03590260073542595,"channel":1,"num_words":1,"start":0.96,"end":1.46},{"sentences":[{"text":"Good day, Dane.","start":2.1599998,"end":2.72,"sentiment":"neutral","sentiment_score":0.3140026827653249},{"text":"Tommy here from Oakview, mate.","start":2.72,"end":3.84,"sentiment":"neutral","sentiment_score":0.20172488689422607},{"text":"How are you doing?","start":3.84,"end":4.66,"sentiment":"neutral","sentiment_score":0.18135127797722816}],"sentiment":"neutral","sentiment_score":0.22300313288966814,"channel":0,"num_words":12,"start":2.1599998,"end":4.66},{"sentences":[{"text":"Good.","start":4.72,"end":5.12,"sentiment":"neutral","sentiment_score":0.28330767154693604},{"text":"How are you?","start":5.12,"end":5.94,"sentiment":"neutral","sentiment_score":0.20172400772571564}],"sentiment":"neutral","sentiment_score":0.22211992368102074,"channel":1,"num_words":4,"start":4.72,"end":5.94},{"sentences":[{"text":"Mate, sensational.","start":5.8399997,"end":6.66,"sentiment":"positive","sentiment_score":0.6802188158035278},{"text":"It's been a brilliant day.","start":6.72,"end":7.68,"sentiment":"positive","sentiment_score":0.8111449241638183},{"text":"What about your end?","start":7.68,"end":8.74,"sentiment":"neutral","sentiment_score":0.29421527311205864}],"sentiment":"positive","sentiment_score":0.5993657586249438,"channel":0,"num_words":11,"start":5.8399997,"end":8.74},{"sentences":[{"text":"Yeah.","start":8.72,"end":9.04,"sentiment":"neutral","sentiment_score":0.16038765013217926},{"text":"Not too bad, mate.","start":9.04,"end":9.84,"sentiment":"neutral","sentiment_score":0.20716415345668793},{"text":"Not too bad at all.","start":9.84,"end":10.98,"sentiment":"neutral","sentiment_score":0.23888832628726958}],"sentiment":"neutral","sentiment_score":0.2183485895395279,"channel":1,"num_words":10,"start":8.72,"end":10.98},{"sentences":[{"text":"Awesome.","start":11.12,"end":11.44,"sentiment":"positive","sentiment_score":0.6304381489753723},{"text":"Awesome, mate.","start":11.44,"end":11.92,"sentiment":"positive","sentiment_score":0.6030282080173492},{"text":"I've your annual review ready to go and a few documents to email out to you.","start":11.92,"end":16.574999,"sentiment":"neutral","sentiment_score":0.32351824175566435}],"sentiment":"positive","sentiment_score":0.3690940227947737,"channel":0,"num_words":19,"start":11.12,"end":16.574999},{"sentences":[{"text":"Yep.","start":16.805,"end":17.305,"sentiment":"neutral","sentiment_score":0.09777751564979552}],"sentiment":"neutral","sentiment_score":0.09777751564979552,"channel":1,"num_words":1,"start":16.805,"end":17.305},{"sentences":[{"text":"Do you mind if I pop that through your email now?","start":17.275,"end":19.275,"sentiment":"neutral","sentiment_score":0.06906866790218787},{"text":"Will you be able to look on to them with me, or should I just kinda walk you through?","start":19.275,"end":22.575,"sentiment":"neutral","sentiment_score":0.08248818744170039}],"sentiment":"neutral","sentiment_score":0.07756769694387913,"channel":0,"num_words":30,"start":17.275,"end":22.575},{"sentences":[{"text":"Oh, it doesn't matter.","start":24.885,"end":25.765,"sentiment":"neutral","sentiment_score":0.04688042402267456},{"text":"Yeah.","start":25.765,"end":26.085,"sentiment":"neutral","sentiment_score":0.08746367692947388},{"text":"You can send it to me, and I'll just put my phone on loudspeaker or something.","start":26.085,"end":30.55,"sentiment":"neutral","sentiment_score":0.07810394698753953}],"sentiment":"neutral","sentiment_score":0.0726023107057526,"channel":1,"num_words":21,"start":24.885,"end":30.55},{"sentences":[{"text":"Yeah.","start":30.57,"end":30.89,"sentiment":"neutral","sentiment_score":0.07273632287979126},{"text":"That's","start":30.89,"end":31.21,"sentiment":"neutral","sentiment_score":0.06898817420005798}],"sentiment":"neutral","sentiment_score":0.07086224853992462,"channel":0,"num_words":2,"start":30.57,"end":31.21},{"sentences":[{"text":"Should","start":31.09,"end":31.33,"sentiment":"neutral","sentiment_score":0.08747602254152298}],"sentiment":"neutral","sentiment_score":0.08747602254152298,"channel":1,"num_words":1,"start":31.09,"end":31.33},{"sentences":[{"text":"no","start":31.21,"end":31.369999,"sentiment":"neutral","sentiment_score":0.11485793441534042}],"sentiment":"neutral","sentiment_score":0.11485793441534042,"channel":0,"num_words":1,"start":31.21,"end":31.369999},{"sentences":[{"text":"be","start":31.33,"end":31.41,"sentiment":"neutral","sentiment_score":0.10682743042707445}],"sentiment":"neutral","sentiment_score":0.10682743042707445,"channel":1,"num_words":1,"start":31.33,"end":31.41},{"sentences":[{"text":"worries.","start":31.369999,"end":31.77,"sentiment":"neutral","sentiment_score":0.13323543965816498}],"sentiment":"neutral","sentiment_score":0.13323543965816498,"channel":0,"num_words":1,"start":31.369999,"end":31.77},{"sentences":[{"text":"right.","start":31.41,"end":31.91,"sentiment":"neutral","sentiment_score":0.09304367005825044}],"sentiment":"neutral","sentiment_score":0.09304367005825044,"channel":1,"num_words":1,"start":31.41,"end":31.91},{"sentences":[{"text":"There's a couple of things I wanted to just kinda touch on in the super, which neither here nor there.","start":31.77,"end":37.29,"sentiment":"neutral","sentiment_score":0.061492426134645936},{"text":"I'll kinda walk you through some options.","start":37.29,"end":39.07,"sentiment":"neutral","sentiment_score":0.08313694117324692}],"sentiment":"neutral","sentiment_score":0.06710396707057953,"channel":0,"num_words":27,"start":31.77,"end":39.07},{"sentences":[{"text":"Yep.","start":39.57,"end":40.07,"sentiment":"neutral","sentiment_score":0.057036593556404114}],"sentiment":"neutral","sentiment_score":0.057036593556404114,"channel":1,"num_words":1,"start":39.57,"end":40.07},{"sentences":[{"text":"I just quickly checked security with your usual checks.","start":40.145,"end":42.965,"sentiment":"neutral","sentiment_score":0.05209892491499583},{"text":"Could you confirm your date of birth and address, sir?","start":43.025,"end":45.765,"sentiment":"neutral","sentiment_score":0.03707584105432034}],"sentiment":"neutral","sentiment_score":0.044192038672535044,"channel":0,"num_words":19,"start":40.145,"end":45.765},{"sentences":[{"text":"Yes.","start":46.445,"end":46.685,"sentiment":"neutral","sentiment_score":0.018491536378860474},{"text":"Date of birth, sixteenth of the second nineteen eighty nine.","start":46.685,"end":49.565,"sentiment":"neutral","sentiment_score":0.028886514343321325},{"text":"And address, 28 Ridley Waters Drive, Moraine 4211.","start":49.565,"end":54.33,"sentiment":"neutral","sentiment_score":0.038952316623181105}],"sentiment":"neutral","sentiment_score":0.03257764277881697,"channel":1,"num_words":19,"start":46.445,"end":54.33},{"sentences":[{"text":"Sensational.","start":53.84,"end":54.34,"sentiment":"neutral","sentiment_score":0.14210884273052216},{"text":"Thank you, 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150,000.","start":707.075,"end":709.89496,"sentiment":"neutral","sentiment_score":0.3322403095662594}],"sentiment":"positive","sentiment_score":0.3603436491991344,"channel":0,"num_words":19,"start":702.23,"end":709.89496},{"sentences":[{"text":"Yep.","start":709.545,"end":710.045,"sentiment":"neutral","sentiment_score":0.1889290511608124}],"sentiment":"neutral","sentiment_score":0.1889290511608124,"channel":1,"num_words":1,"start":709.545,"end":710.045},{"sentences":[{"text":"Obviously, your income fluctuates quite high, but I just wanna check with you that kind of 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slight shade up might kind of cover it, that might be good.","start":768.84503,"end":772.625,"sentiment":"neutral","sentiment_score":0.1680358121437686},{"text":"Only","start":773.01,"end":773.25,"sentiment":"neutral","sentiment_score":-0.0028025880455970764}],"sentiment":"neutral","sentiment_score":0.10807279213086556,"channel":0,"num_words":38,"start":761.245,"end":773.25},{"sentences":[{"text":"Yeah.","start":773.045,"end":773.545,"sentiment":"neutral","sentiment_score":-0.0843806192278862}],"sentiment":"neutral","sentiment_score":-0.0843806192278862,"channel":1,"num_words":1,"start":773.045,"end":773.545},{"sentences":[{"text":"thing I'm worried about is I don't wanna go, like, $15 worth of cover and you're paying $7,000 out of 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possibly extend the waiting period out to ninety days to lower the cost a little bit, but it means you'll be without income for the three months and living off of savings.","start":825.91003,"end":835.93,"sentiment":"neutral","sentiment_score":0.03995316311278764},{"text":"Is that kind of stretching it a bit too far?","start":836.07,"end":838.07,"sentiment":"neutral","sentiment_score":-0.10426341891288757}],"sentiment":"neutral","sentiment_score":0.09721468632419904,"channel":0,"num_words":75,"start":812.33496,"end":838.07},{"sentences":[{"text":"Or because if","start":838.07,"end":848.895,"sentiment":"neutral","sentiment_score":-0.03393242818613847}],"sentiment":"neutral","sentiment_score":-0.03393242818613847,"channel":0,"num_words":3,"start":838.07,"end":848.895},{"sentences":[{"text":"If you would I probably would be, just in 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onwards,","start":1148.03,"end":1151.8099,"sentiment":"neutral","sentiment_score":0.1931640642384688}],"sentiment":"neutral","sentiment_score":0.21304686491688093,"channel":0,"num_words":24,"start":1144.27,"end":1151.8099},{"sentences":[{"text":"Yep.","start":1152.11,"end":1152.61,"sentiment":"neutral","sentiment_score":0.20427367091178897}],"sentiment":"neutral","sentiment_score":0.20427367091178897,"channel":1,"num_words":1,"start":1152.11,"end":1152.61},{"sentences":[{"text":"we can have that updated figures.","start":1152.11,"end":1153.97,"sentiment":"neutral","sentiment_score":0.21522139012813568},{"text":"And","start":1154.305,"end":1154.625,"sentiment":"neutral","sentiment_score":0.16595786809921265}],"sentiment":"neutral","sentiment_score":0.2081837441240038,"channel":0,"num_words":7,"start":1152.11,"end":1154.625},{"sentences":[{"text":"Not a","start":1154.35,"end":1154.6699,"sentiment":"neutral","sentiment_score":0.19015143811702728}],"sentiment":"neutral","sentiment_score":0.19015143811702728,"channel":1,"num_words":2,"start":1154.35,"end":1154.6699},{"sentences":[{"text":"I'll","start":1154.625,"end":1154.865,"sentiment":"neutral","sentiment_score":0.17788773775100708}],"sentiment":"neutral","sentiment_score":0.17788773775100708,"channel":0,"num_words":1,"start":1154.625,"end":1154.865},{"sentences":[{"text":"problem.","start":1154.6699,"end":1155.1699,"sentiment":"neutral","sentiment_score":0.2557436525821686}],"sentiment":"neutral","sentiment_score":0.2557436525821686,"channel":1,"num_words":1,"start":1154.6699,"end":1155.1699},{"sentences":[{"text":"just adjust it slightly with a bit of leeway so that one contribution doesn't tip you over.","start":1154.865,"end":1159.525,"sentiment":"neutral","sentiment_score":0.14606989963966258}],"sentiment":"neutral","sentiment_score":0.14606989963966258,"channel":0,"num_words":17,"start":1154.865,"end":1159.525},{"sentences":[{"text":"Yep.","start":1159.935,"end":1160.3351,"sentiment":"neutral","sentiment_score":0.05141612887382507},{"text":"Too lazy.","start":1160.3351,"end":1161.0751,"sentiment":"neutral","sentiment_score":-0.030671704560518265}],"sentiment":"neutral","sentiment_score":-0.003309093415737152,"channel":1,"num_words":3,"start":1159.935,"end":1161.0751},{"sentences":[{"text":"Cool.","start":1161.345,"end":1161.845,"sentiment":"neutral","sentiment_score":0.12234113365411758},{"text":"So, again, just keep an ear out for the team.","start":1161.985,"end":1164.145,"sentiment":"positive","sentiment_score":0.3601206004619598},{"text":"They'll give you a buzz, text, and email over the next two weeks,","start":1164.145,"end":1166.885,"sentiment":"neutral","sentiment_score":0.27602785711105055}],"sentiment":"neutral","sentiment_score":0.3046628866965572,"channel":0,"num_words":24,"start":1161.345,"end":1166.885},{"sentences":[{"text":"Yep.","start":1167.135,"end":1167.635,"sentiment":"neutral","sentiment_score":0.16340260207653046}],"sentiment":"neutral","sentiment_score":0.16340260207653046,"channel":1,"num_words":1,"start":1167.135,"end":1167.635},{"sentences":[{"text":"and and then we can line it up with work straight after that.","start":1167.3,"end":1170.52,"sentiment":"neutral","sentiment_score":0.22416105064061972}],"sentiment":"neutral","sentiment_score":0.22416105064061972,"channel":0,"num_words":13,"start":1167.3,"end":1170.52},{"sentences":[{"text":"Yeah.","start":1170.8151,"end":1171.055,"sentiment":"neutral","sentiment_score":0.31268736720085144},{"text":"No worries.","start":1171.055,"end":1171.615,"sentiment":"positive","sentiment_score":0.3825538903474808},{"text":"All good.","start":1171.615,"end":1172.31,"sentiment":"positive","sentiment_score":0.7211408317089081}],"sentiment":"positive","sentiment_score":0.5040153622627258,"channel":1,"num_words":5,"start":1170.8151,"end":1172.31},{"sentences":[{"text":"Awesome, mate.","start":1172.8201,"end":1173.38,"sentiment":"positive","sentiment_score":0.8547384738922119},{"text":"Well, I'll leave that pack with you.","start":1173.38,"end":1174.9,"sentiment":"positive","sentiment_score":0.45308205485343933},{"text":"Let me know if you got any questions, and I'll talk to you in a couple of weeks.","start":1174.9,"end":1178.92,"sentiment":"neutral","sentiment_score":0.3065904958380593}],"sentiment":"positive","sentiment_score":0.38517334284605803,"channel":0,"num_words":27,"start":1172.8201,"end":1178.92},{"sentences":[{"text":"Okay.","start":1179.3501,"end":1179.67,"sentiment":"positive","sentiment_score":0.3380325138568878},{"text":"No worries.","start":1179.67,"end":1180.3301,"sentiment":"positive","sentiment_score":0.44634631276130676},{"text":"Have a good one.","start":1180.4701,"end":1181.4501,"sentiment":"positive","sentiment_score":0.6793744564056396}],"sentiment":"positive","sentiment_score":0.5640318521431514,"channel":1,"num_words":7,"start":1179.3501,"end":1181.4501},{"sentences":[{"text":"Thanks, Dan.","start":1181.637,"end":1182.1969,"sentiment":"positive","sentiment_score":0.7667351067066193},{"text":"You too, mate.","start":1182.1969,"end":1182.8369,"sentiment":"positive","sentiment_score":0.615621546904246},{"text":"Talk soon.","start":1182.8369,"end":1183.497,"sentiment":"positive","sentiment_score":0.4083748608827591}],"sentiment":"positive","sentiment_score":0.5995835108416421,"channel":0,"num_words":7,"start":1181.637,"end":1183.497},{"sentences":[{"text":"Bye.","start":1183.3501,"end":1183.51,"sentiment":"neutral","sentiment_score":0.2596474885940552},{"text":"Yep.","start":1183.51,"end":1184.01,"sentiment":"neutral","sentiment_score":0.1710512489080429}],"sentiment":"neutral","sentiment_score":0.21534936875104904,"channel":1,"num_words":2,"start":1183.3501,"end":1184.01},{"sentences":[{"text":"Bye.","start":1183.637,"end":1184.137,"sentiment":"neutral","sentiment_score":-0.11930301785469057}],"sentiment":"neutral","sentiment_score":-0.11930301785469057,"channel":0,"num_words":1,"start":1183.637,"end":1184.137}]},"summary":{"result":"success","short":"The representative from Oakview Tommy provides Dane with annual review and documents, personal information, and updates on debts and income. Dane mentions a property in N Grosso and a property in Ipswich, and plans for renovations and potential opportunities. The speaker discusses their financial strategy, recent debts, and investment options. They also mention a previous discussion with an adviser about getting the speaker up to high growth and update their investment options. The speaker provides information on the process of obtaining a power of attorney and updating beneficiary information, and recommends a shopping around option for a lower fee. They also discuss updating a portfolio and the benefits of one path for the customer's income protection. The speaker provides information on fees and a plan update in the next two weeks, and suggests a retirement and a team contact."},"intents":{"segments":[{"text":"So I'll pop this through to you now. I've got your details up there. I just wanna do a quick little update on your circumstances, talk through the super, few other things there as well. Is Yep.","start_word":199,"end_word":235,"intents":[{"intent":"Update on circumstances and discuss new documents","confidence_score":0.00068498385}]},{"text":"So for the financial year, do you have an idea of where your income landed at the end of June for the year? Gross you're talking about?","start_word":472,"end_word":498,"intents":[{"intent":"Verify income and salary estimate","confidence_score":0.0004638349}]},{"text":"One part I wanted to just start with as well is because we Mhmm. did that contribution and you had that carry forward cap to use up at the time and you're doing the salary Yep. sacrifice, I wanna just run by you possibly reducing that down a little bit so you don't go over the cap for next financial year. Yeah.","start_word":525,"end_word":586,"intents":[{"intent":"Reduce contribution and salary","confidence_score":0.052419588}]},{"text":"Assets wise, we've got the property in Narang, and we've got the property in Ipswich. Yep. Yep. I think Narang, we had valued at about 1.2 Ipswich was about $6.70. I'm assuming those have probably jumped up a little bit. Yeah.","start_word":637,"end_word":677,"intents":[{"intent":"Describe asset valuation","confidence_score":0.0006863416}]},{"text":"I haven't done a thing lately on how much they are, but off real estate, the last time I checked, I think then the Ipswich one was, like, 900, and the the ring, I think, was 1.4 or 1.45, I think, last Yep. time I checked.","start_word":689,"end_word":734,"intents":[{"intent":"Update balance","confidence_score":0.003452984}]},{"text":"And just quickly on the debts and savings there. So we had 800 owing on Narang, $6.60 owing on Ipswich. Has there been a big drop in either of those two loans? No.","start_word":745,"end_word":777,"intents":[{"intent":"Discuss debts and savings","confidence_score":0.003875862}]},{"text":"So, obviously, properties are kind of sorted. Were you still looking to do that relocation like any other property switches in the next couple of years, or are you pretty well set on these two?","start_word":879,"end_word":913,"intents":[{"intent":"Discuss property switching priorities","confidence_score":0.0049834996}]},{"text":"Were you still looking to do that relocation like any other property switches in the next couple of years, or are you pretty well set on these two?","start_word":886,"end_word":913,"intents":[{"intent":"Discuss property shifts","confidence_score":0.0013357976}]},{"text":"I'll see what happens. And, yeah, if we got some I don't know if we use some equity because we're planning on doing a few renovations maybe next month or applying for a loan to get some stuff done.","start_word":973,"end_word":1011,"intents":[{"intent":"Discuss potential investments","confidence_score":0.00093578146}]},{"text":"a bit of an They estimate have on what you're trying to get done and how much it might be?","start_word":1038,"end_word":1057,"intents":[{"intent":"Discuss projects and goals","confidence_score":0.00016536203}]},{"text":"Mate, some good news I've got for you is that it's jumped up about 8% even with the market kind of dropping. So the growth's been there. It's been a solid sort of 95,000 with the the 50 that went in, 15% tax come Yep. off of that. So about 40 Yep. two went in. And then you've had about another $45 in growth in contributions on top of that.","start_word":1240,"end_word":1309,"intents":[{"intent":"Discuss and expand growth","confidence_score":0.00013114754}]},{"text":"In addition to that, there was one investment option that we were trying to switch out with Benelong that wasn't doing too well.","start_word":1396,"end_word":1418,"intents":[{"intent":"Upgrade investment option","confidence_score":0.025169777}]},{"text":"he was wanting to kind of bump you up and and amend a few options there. Now Yep.","start_word":1444,"end_word":1461,"intents":[{"intent":"Amend options","confidence_score":0.26023224}]},{"text":"one of the things I wanna run by you is that because of that extra contribution that's going in, you you probably don't even need to go high risk to get Yep. to the goal that you wanna do. So I always kind of paint this with clients as we need to get you there with the least risk possible. Yep.","start_word":1462,"end_word":1522,"intents":[{"intent":"Run by clients","confidence_score":0.3766042}]},{"text":"And I wanted to run it by you first and say, hey. Do we just stay that four out of five and and go for steady growth, or do we kind of go put on the gas kind of thing?","start_word":1523,"end_word":1562,"intents":[{"intent":"Maintain steady growth","confidence_score":0.16015323}]},{"text":"okay with that, what I'll do Yep. is while I work out the salary sacrifice figures, I do wanna update that one investment option that's dragging its feet and just kinda do a bit of an engine tune up. Yep.","start_word":1693,"end_word":1732,"intents":[{"intent":"Work on salary sacrifice figures","confidence_score":0.0036033206},{"intent":"Start engine tune up","confidence_score":0.009172502}]},{"text":"I'll put together a bit of an updated plan, just kinda show you the updated projections and everything, and we'll sort out the contributions in the portfolio there. Any questions on that so far?","start_word":1743,"end_word":1776,"intents":[{"intent":"Sort out contributions","confidence_score":0.9397528}]},{"text":"I'll put together a bit of an updated plan, just kinda show you the updated projections and everything, and we'll sort out the contributions in the portfolio there. Any questions on that so far? No.","start_word":1743,"end_word":1777,"intents":[{"intent":"Update plan","confidence_score":0.4413497}]},{"text":"We've still got that listed as beneficiary for the super. So I'm assuming just leave that on there and come back to the Yeah. will when life is when you could put a time under the hands. Yeah.","start_word":1830,"end_word":1867,"intents":[{"intent":"Leave beneficiary information","confidence_score":0.19541313}]},{"text":"And the main thing too is just in terms of the insurances. So if you still got that email up, can you Yep. please go through there should be, like, a next document button to skip through from the summary to a bit of a Vanguard chart, nice colorful market chart there. Yep.","start_word":1872,"end_word":1924,"intents":[{"intent":"Skip through report","confidence_score":0.0023003812},{"intent":"Provide insurance information","confidence_score":0.0064086244}]},{"text":"please go through there should be, like, a next document button to skip through from the summary to a bit of a Vanguard chart, nice colorful market chart there.","start_word":1895,"end_word":1923,"intents":[{"intent":"Use net chart","confidence_score":0.00048443384}]},{"text":"If you go past that one, you'll have a Yep. blue table for your hub 24. Yep.","start_word":1925,"end_word":1941,"intents":[{"intent":"Use yep chart","confidence_score":0.00183798},{"intent":"Use yep chart","confidence_score":0.06129847},{"intent":"Provide yep","confidence_score":0.0024949203},{"intent":"Provide yep","confidence_score":0.00317614}]},{"text":"So just for your own info, this list every investment option, and the very right hand side tells you the performance in percentage terms for all of them. You've got Yep.","start_word":1942,"end_word":1972,"intents":[{"intent":"Offer investment options","confidence_score":0.001379294}]},{"text":"Next page is like all the portfolio put into one. Yep.","start_word":2046,"end_word":2056,"intents":[{"intent":"Review portfolio","confidence_score":0.0025942114}]},{"text":"So we'll sort out the portfolio contributions, slight bump up of the income protection, bit of a shopping around there. I I'm pretty much ready to jump into that with the team for the next couple of weeks and see what we can come up with. Any questions on your No.","start_word":2664,"end_word":2714,"intents":[{"intent":"Evaluate portfolio options","confidence_score":0.11485928}]},{"text":"The only other two documents in that pack for you is updated service guide because we've got the updated, like, license info, privacy policy, all that Yep. kind of thing.","start_word":2921,"end_word":2950,"intents":[{"intent":"Update service guide","confidence_score":0.03461294}]}]},"sentiments":{"segments":[{"text":"Hello? Good day, Dane. Tommy here from Oakview, mate. How are you doing? Good. How are you?","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.21461792290210724},{"text":"Mate, sensational. It's been a brilliant day.","start_word":17,"end_word":23,"sentiment":"positive","sentiment_score":0.7670909762382507},{"text":"What about your end? Yeah. Not too bad, mate. Not too bad at all.","start_word":24,"end_word":37,"sentiment":"neutral","sentiment_score":0.24872027337551117},{"text":"Awesome. Awesome, mate.","start_word":38,"end_word":40,"sentiment":"positive","sentiment_score":0.6051454544067383},{"text":"I've your annual review ready to go and a few documents to email out to you. Yep. Do you mind if I pop that through your email now? Will you be able to look on to them with me, or should I just kinda walk you through? Oh, it doesn't matter. Yeah. You can send it to me, and I'll just put my phone on loudspeaker or something. Yeah. That's Should no be worries. right. There's a couple of things I wanted to just kinda touch on in the super, which neither here nor there. I'll kinda walk you through some options. Yep. I just quickly checked security with your usual checks. Could you confirm your date of birth and address, sir? Yes. Date of birth, sixteenth of the second nineteen eighty nine. And address, 28 Ridley Waters Drive, Moraine 4211. Sensational. Thank you, Dane. And are you okay for the call to be recorded? Yeah. Amazing, mate. So I'll pop this through to you now. I've got your details up there. I just wanna do a quick little update on your circumstances, talk through the super, few other things there as well. Is Yep. there anything in particular you want me to focus on today from our last conversations or anything new? No. Nothing really. Yep. Perfect. Perfect. So that should come through pretty soon. Yeah. I'm basically I'll put wanna that. touch on awesome. Awesome. So with the new system, we've got it rearranged a little bit. If you can go into that email and just hit that sign button to bring up the documents first, you don't have to click anything else. Just scroll through them with me. Yep. Yep. Yep. Yep. Cool. First one you should see is the summary of super insurance with our letterhead on the top. Perfect. So we'll talk about the hub. We'll talk about the one path. That's the two main products at the moment. I'm just having a look through the details because I've got all of the contributions are all in. Notice of intent's all been sorted for the tax return. I think you booked Yep. in with your accountant, what, July 2628? Yes. But yeah. '20. Yeah. Something on that.","start_word":41,"end_word":412,"sentiment":"neutral","sentiment_score":0.11694988360007604},{"text":"Yep. Perfect.","start_word":413,"end_word":414,"sentiment":"positive","sentiment_score":0.4898090362548828},{"text":"In terms of other circumstances, so you've got married with Nat. You've got the two children. And with with the occupation, that plant operator, we we had your income as a pretty widespread between base income, and you were doing two on, one off. Are you still on Yep. the same roster? Yes. Same thing. Yep.","start_word":415,"end_word":470,"sentiment":"neutral","sentiment_score":0.06452587991952896},{"text":"Cool.","start_word":471,"end_word":471,"sentiment":"positive","sentiment_score":0.4493841528892517},{"text":"So for the financial year, do you have an idea of where your income landed at the end of June for the year? Gross you're talking about? Yeah. Because I think we had, like, $2.50 estimate last time. Just Yeah. wondering how close This that is. year was February. February. Okay. Alright. 02/4000. One part I wanted to just start with as well is because we Mhmm. did that contribution and you had that carry forward cap to use up at the time and you're doing the salary Yep. sacrifice, I wanna just run by you possibly reducing that down a little bit so you don't go over the cap for next financial year. Yeah. That's fine. Yep.","start_word":472,"end_word":589,"sentiment":"neutral","sentiment_score":0.0204060859978199},{"text":"Cool.","start_word":590,"end_word":590,"sentiment":"positive","sentiment_score":0.3565278649330139},{"text":"So I'll crunch the numbers there based on what's sort of going through, but I think there's about 1,000 a month, $2.50 a week going in, and Yep. the new cap's 32 and a half. Yep.","start_word":591,"end_word":626,"sentiment":"neutral","sentiment_score":0.05079470574855805},{"text":"Cool.","start_word":627,"end_word":627,"sentiment":"positive","sentiment_score":0.3974492251873016},{"text":"So I'll crunch that and send that through. Alright. Assets wise, we've got the property in Narang, and we've got the property in Ipswich. Yep. Yep. I think Narang, we had valued at about 1.2 Ipswich was about $6.70. I'm assuming those have probably jumped up a little bit. Yeah. Well, yeah, that's, yeah, that's what we called them for. I haven't done a thing lately on how much they are, but off real estate, the last time I checked, I think then the Ipswich one was, like, 900, and the the ring, I think, was 1.4 or 1.45, I think, last Yep. time I checked. Alright. I'll do 1.4 to be conservative.","start_word":628,"end_word":740,"sentiment":"neutral","sentiment_score":0.04124065821545314},{"text":"Thank you for that.","start_word":741,"end_word":744,"sentiment":"positive","sentiment_score":0.6216776371002197},{"text":"And just quickly on the debts and savings there. So we had 800 owing on Narang, $6.60 owing on Ipswich. Has there been a big drop in either of those two loans? No. I don't think so. They would they'd probably yeah. Probably be, like, 6, maybe $6.20 for Ipswich and yeah. I don't it'd probably be nearly around the same area for the the wrong one. Yep. Perfect. No. Thank you for that, Tane. And with the contributions that you put in, I think we had about $70 in savings last year. Just wondering just an updated figure for emergency funds, rainy day fund. Oh, yeah. It's at 30 now because we put that $50 in. Yep.","start_word":745,"end_word":862,"sentiment":"neutral","sentiment_score":-0.03809329867362976},{"text":"Perfect. Thank you so much for updating those details for me, mate.","start_word":863,"end_word":874,"sentiment":"positive","sentiment_score":0.518783450126648},{"text":"Priorities for you guys. So, obviously, properties are kind of sorted. Were you still looking to do that relocation like any other property switches in the next couple of years, or are you pretty well set on these two? Pretty much on these two. The that was the whole thing. We're gonna do the whole stupor. That was gonna be our next one, but now that's all gone. So we don't know what we're gonna do. Yeah. Just focus on these for the time being and then keep Yeah. an ear out for some opportunities after that. Yeah. I'll see what happens. And, yeah, if we got some I don't know if we use some equity because we're planning on doing a few renovations maybe next month or applying for a loan to get some stuff done. So we'll see what With the renos, they've I've happens. noticed the cost of materials have jumped up quite a bit. Have you got Yeah. a bit of an They estimate have on what you're trying to get done and how much it might be? oh, we just got a deck out, like, out the back around the property and and a floor in our main in our main room as our main two major ones and then just a rendering of the house of half the house as Yeah. well. So we're looking at, well, it could be a $100, but we might we'll see what happens if we can get all three under a 100 or something or maybe even 56. Who knows? But, yeah, we're Yeah. so we haven't really looked into it yet, but we're just But slowly it's on the getting cards some quotes. for Yeah. next It'll be six pretty months. soon. Yeah. K. So I'll put 50 to a 100 in on that goal there.","start_word":875,"end_word":1183,"sentiment":"neutral","sentiment_score":0.010981327049361849},{"text":"Outside of that, I mean, some of the good news, I did mention last time that, obviously, with that contribution going in, super has been boosted up quite a bit.","start_word":1184,"end_word":1213,"sentiment":"positive","sentiment_score":0.49427738785743713},{"text":"And we were still aiming to kind of retire as early as possible towards eight to 60 when you can Yep. access Yep. your super.","start_word":1214,"end_word":1238,"sentiment":"neutral","sentiment_score":0.21691617369651792},{"text":"Yeah. Mate, some good news I've got for you is that it's jumped up about 8% even with the market kind of dropping. So the growth's been there. It's been a solid sort of 95,000 with the the 50 that went in, 15% tax come Yep. off of that. So about 40 Yep. two went in. And then you've had about another $45 in growth in contributions on top of that. So even with the market going down, you still jumped into the positive, which is really good.","start_word":1239,"end_word":1326,"sentiment":"positive","sentiment_score":0.49490633606910706},{"text":"Yep. Yep. K. A That's couple good. of things I'm sort of thinking, though, is we had a previous discussion with Kyle, one of our advisers, where he was trying to maybe look at getting you bumped up towards, like, high growth to try and go from that sort of 80% growth assets in the super to 90 and get a bit more returns under the belt. Yep. In addition to that, there was one investment option that we were trying to switch out with Benelong that wasn't doing too well. Most of the other options have been kind of soaring up in the double digits, but there's one there that's been dragging its feet. So Yep. he was wanting to kind of bump you up and and amend a few options there. Now Yep. one of the things I wanna run by you is that because of that extra contribution that's going in, you you probably don't even need to go high risk to get Yep. to the goal that you wanna do. So I always kind of paint this with clients as we need to get you there with the least risk possible. Yep. And I wanted to run it by you first and say, hey. Do we just stay that four out of five and and go for steady growth, or do we kind of go put on the gas kind of thing? You've got both options and heaps of time under the belt, but it may not be entirely necessary now that you've made that contribution. Yeah. Okay then. No. That's good.","start_word":1327,"end_word":1592,"sentiment":"neutral","sentiment_score":0.105377216312222},{"text":"That's good to hear.","start_word":1593,"end_word":1596,"sentiment":"positive","sentiment_score":0.4943254590034485},{"text":"I'm no. I'm happy to if it means yeah. We don't have to be as aggressive, obviously, and that's fine as well. That's, yeah, not a problem.","start_word":1597,"end_word":1623,"sentiment":"neutral","sentiment_score":0.1196988895535469},{"text":"Awesome. Because at the end of the day, like, with the salary sacrifice, high contributions, you've got a huge balance for your age and really good returns under that growth fund.","start_word":1624,"end_word":1654,"sentiment":"positive","sentiment_score":0.5932044982910156},{"text":"Yep. What's the point in taking an extra peg of risk where you could come back and lose a 100,000 next time the market crashes if we don't Yep. need to? Yep. So Yeah. if That's you're fine. okay with that, what I'll do Yep. is while I work out the salary sacrifice figures, I do wanna update that one investment option that's dragging its feet and just kinda do a bit of an engine tune up. Yep. No worries. Cool. Alright. So I'll get that sorted. I'll put together a bit of an updated plan, just kinda show you the updated projections and everything, and we'll sort out the contributions in the portfolio there. Any questions on that so far? No. No. No. Perfect. No. Last two areas, just in terms of estate planning, I did have note that you don't currently have, like, the will and the power of attorney in place at the moment. Don't know if you got that sorted randomly in the last twelve months. No. We haven't. That's okay. We've still got that listed as beneficiary for the super. So I'm assuming just leave that on there and come back to the Yeah. will when life is when you could put a time under the hands. Yeah. Yeah. Yep. Yep. Absolutely. And the main thing too is just in terms of the insurances. So if you still got that email up, can you Yep. please go through there should be, like, a next document button to skip through from the summary to a bit of a Vanguard chart, nice colorful market chart there. Yep. If you go past that one, you'll have a Yep. blue table for your hub 24. Yep. So just for your own info, this list every investment option, and the very right hand side tells you the performance in percentage terms for all of them. You've got Yep. the then along at the top right is the one that's gone into the negative. Everything else below that, 5% for the safe funds, which is perfect. That's what we're aiming for for the safe assets, and the rest of Yep. them are sixteen, sixteen, seventy, sixteen, Yep. one for the other bonds.","start_word":1655,"end_word":2025,"sentiment":"neutral","sentiment_score":0.019121478550196337},{"text":"So all of those are looking pretty good.","start_word":2026,"end_word":2033,"sentiment":"positive","sentiment_score":0.524730384349823},{"text":"It's just Yeah. that I one know. at the top. Yep. Yep. Next page is like all the portfolio put into one. Yep. And then if you skip past that one, your certificate's a one path. Yes. And it should be Yep. green. Yep. Yep. So you've got one 1 and a half mil of life in total disability insurance.","start_word":2034,"end_word":2093,"sentiment":"neutral","sentiment_score":0.021947387605905533},{"text":"So you pass away, you can never work again.","start_word":2094,"end_word":2102,"sentiment":"negative","sentiment_score":-0.3364681303501129},{"text":"Here's a big lump sum, clear all the debts out, and Yep. pretty much leave the family debt free.","start_word":2103,"end_word":2121,"sentiment":"positive","sentiment_score":0.4483470320701599},{"text":"And then Yep. you've also got the income protection, eight Yep. $9.06 0 a month, sixty day wait because you've got the savings there, and a six year benefit period where they'll pay Yep. you monthly for six years instead of the usual five years.","start_word":2122,"end_word":2166,"sentiment":"neutral","sentiment_score":0.2778102159500122},{"text":"That's one of the good things about one path is they give you an extra year. Yeah. So I'm just quickly working that back with the cover amount.","start_word":2167,"end_word":2194,"sentiment":"positive","sentiment_score":0.535895049571991},{"text":"It's protecting an income of about a 150,000. Yep. Obviously, your income fluctuates quite high, but I just wanna check with you that kind of $9 Yeah. a month, does that still cover the bills and get you guys by? Call it two just under $2 a week after tax. Yeah. It would it would yeah. It would have to. Yeah. It should be. K. Do Yeah. you want me to look at bumping it up, or do you think just leave it as is and keep the premiums low? Oh, you can look maybe. Maybe. Yeah. You probably have a look and see if it could go up. K. So one of the options I've got is I can just do, like, a flat, like, 10,000 a month. Might get Yep. you that extra thousand bucks. Anything over 10, you've got to go through, like, mandatory blood tests and all that kind of rigmarole. If that slight shade up might kind of cover it, that might be good. Only Yeah.","start_word":2195,"end_word":2365,"sentiment":"neutral","sentiment_score":0.10030264407396317},{"text":"thing I'm worried about is I don't wanna go, like, $15 worth of cover and you're paying $7,000 out of premiums.","start_word":2366,"end_word":2386,"sentiment":"negative","sentiment_score":-0.35414302349090576},{"text":"Yeah. Do you know what I mean? Yeah. Yeah. And with that one too, I can always have a look and see if there's anyone that might offer a better price as well or just do an alteration with one path. Do you want me to look at both? Like, are you okay to Yeah. go through another application if we find someone? Yeah. Why not? Okay. Any health issues pop up since October 2024? No. Cool. Alright.","start_word":2387,"end_word":2464,"sentiment":"neutral","sentiment_score":-0.04888094589114189},{"text":"So everything that we used previously, I can use that again. Yes. Sensational.","start_word":2465,"end_word":2477,"sentiment":"positive","sentiment_score":0.39866265654563904},{"text":"Benefit period is six years waiting period, sixty days. With the contributions, because you're putting in so much, the current premiums aren't too bad, but they're obviously getting up there. I can possibly extend the waiting period out to ninety days to lower the cost a little bit, but it means you'll be without income for the three months and living off of savings. Is that kind of stretching it a bit too far? Or because if If you would I probably would be, just in case. Yeah. yep.","start_word":2478,"end_word":2566,"sentiment":"neutral","sentiment_score":0.10382087528705596},{"text":"So I can keep it at the 60. Like, I'll obviously do the impact on the Subaru and make sure it's still gonna hit targets and grow well.","start_word":2567,"end_word":2594,"sentiment":"positive","sentiment_score":0.4864611029624939},{"text":"If we don't need to extend it out to ninety days, we don't have to, especially if you're still gonna hit that goal. Yep. Yep. Yeah. That's fine. K? So I'll I'll do it based on the current one and just shade it up slightly and see how we look. If there's any major concerns with price, I'll kind of run it by you again. No worries.","start_word":2595,"end_word":2661,"sentiment":"neutral","sentiment_score":0.20617519319057465},{"text":"Awesome. Awesome. So we'll sort out the portfolio contributions, slight bump up of the income protection, bit of a shopping around there. I I'm pretty much ready to jump into that with the team for the next couple of weeks and see what we can come up with.","start_word":2662,"end_word":2709,"sentiment":"positive","sentiment_score":0.45183610916137695},{"text":"Any questions on your No. end? No. Cool. Nothing else. And just to let you know as well from that last advice piece with Kyle, the Benelon option that we're looking to replace, we were just gonna do it like for like with another active option with lower fees, with better performance. Yep. You can choose to go for a bit more, Yep. like, a lower fee passive portfolio. So you've got the options of either low fees or still pay a decent amount to try and get a higher return. Do you have a Yep. strong preference between the two? No. Not really. I prefer the I wouldn't as as you said, with the lower passive, I'll probably put it a little bit of time up my side. So I'd probably still wanna keep it at that either, like, medium or or, like, more aggressive style.","start_word":2710,"end_word":2856,"sentiment":"neutral","sentiment_score":0.1471426488996363},{"text":"Yeah. Cool. Alright.","start_word":2857,"end_word":2859,"sentiment":"positive","sentiment_score":0.4525571763515472},{"text":"So, look, I've been researching these with the investment committee recently just to see Yep. if there's some other options out there. We've found a few in both styles.","start_word":2860,"end_word":2888,"sentiment":"neutral","sentiment_score":0.23200184106826785},{"text":"So I'll kind of keep it within style, get it tuned up a little bit, keep the risk level that four out of five, and we should be good to go. Awesome.","start_word":2889,"end_word":2920,"sentiment":"positive","sentiment_score":0.44509273767471313},{"text":"The only other two documents in that pack for you is updated service guide because we've got the updated, like, license info, privacy policy, all that Yep. kind of thing. Yep. And just with the service agreement as well, so I've included the updated service agreement. So that'll be the next document there. We've got the same fees that we're charging, which is the 1.65% spreads throughout the year, so it's not one lump sum, and Yeah. it caps when you hit 600,000. Now I got the only difference for next year is that we're bringing in a bit of a tiered fee structure. So next year, everyone above 200,000, they're gonna start to get some discounts as well. it. I got it. So I just wanna let you know this year, these are the same. Next year, probably looking at some discounts, and that Yep. should just pick up nicely from 200 to 500,000 and everything above that as well.","start_word":2921,"end_word":3081,"sentiment":"neutral","sentiment_score":0.14688263833522797},{"text":"Awesome, man. Alrighty. I'll get stuck into those, and nice and easy. Hopefully, everything's a bit up enough.","start_word":3082,"end_word":3099,"sentiment":"positive","sentiment_score":0.483528196811676},{"text":"You get the reno's done, and it doesn't cost you an arm and a leg. Yeah. Yeah. Hopefully. We'll figure out how to go. I'm building a deck at the moment. I've got my uncle doing it because Oh, yeah. Croatians, they're all tradies. And Yeah. Yeah. I've already put 50 into the house at the moment, and I'm up there Yeah. every Yeah. weekend putting decking in.","start_word":3100,"end_word":3167,"sentiment":"neutral","sentiment_score":0.09305546791566643},{"text":"And look, it's not it's not cheap.","start_word":3168,"end_word":3174,"sentiment":"negative","sentiment_score":-0.3813232481479645},{"text":"Yeah. Well, that's what we we actually got one, like, a quote, and it was, like, $70,000. And I'm like, I don't know if it'd be I don't know if or I don't know how much fixed cost, but I've looked at it and gone up. Surely, it can't be that much, but you never know. Please take. Yeah. Is it a big two story, like a second story deck, or is it just low on No. the It's ground? it's just one on the ground. Yeah. Jeez. Probably probably about, like, I don't know, five five meters long and five meters wide, maybe. Yeah. Okay. I Yeah. think ours was three by two, and I think I estimated that about we put in about 10 in materials, but it would have cost about $20.30. Yeah. Okay. It almost tempts you to wanna do it yourself at some point. Go on It YouTube does. and get Yeah. a bit of eco decking. Yeah. I know. I know. It's crazy. But see how we go. And, like, you've Yeah. got all the time in the world to be building a deck, but who knows? Yeah. Hobby. Yeah. I know.","start_word":3175,"end_word":3372,"sentiment":"neutral","sentiment_score":0.008512578904628754},{"text":"Awesome day, mate.","start_word":3373,"end_word":3375,"sentiment":"positive","sentiment_score":0.6025305390357971},{"text":"Anything else that I can help you with today, man? No. That should be it. So you guys and I just keep it at the $2.50 until I hear back from you with the salary sacrifice? Yeah. Look. I'm gonna get you figured pretty quickly. Basically, what I'm gonna do is I'll factor in a couple that'll go in. Because they seem to be paying it monthly, I Yep. pretty much wanna get a plan updated in the next two weeks. I'll go through the plan with you, and then from August onwards, we Yep. can have that updated figures. And Not a I'll problem. just adjust it slightly with a bit of leeway so that one contribution doesn't tip you over. Yep. Too lazy.","start_word":3376,"end_word":3500,"sentiment":"neutral","sentiment_score":0.1352132260799408},{"text":"Cool. So, again, just keep an ear out for the team.","start_word":3501,"end_word":3511,"sentiment":"positive","sentiment_score":0.3464713232083754},{"text":"They'll give you a buzz, text, and email over the next two weeks, Yep. and and then we can line it up with work straight after that. Yeah.","start_word":3512,"end_word":3539,"sentiment":"neutral","sentiment_score":0.2528044581413269},{"text":"No worries. All good. Awesome, mate. Well, I'll leave that pack with you.","start_word":3540,"end_word":3552,"sentiment":"positive","sentiment_score":0.5767068266868591},{"text":"Let me know if you got any questions, and I'll talk to you in a couple of weeks.","start_word":3553,"end_word":3570,"sentiment":"neutral","sentiment_score":0.30330583453178406},{"text":"Okay. No worries. Have a good one. Thanks, Dan. You too, mate. Talk soon.","start_word":3571,"end_word":3584,"sentiment":"positive","sentiment_score":0.587065577507019},{"text":"Bye. Yep. Bye.","start_word":3585,"end_word":3587,"sentiment":"neutral","sentiment_score":0.2042912393808365}],"average":{"sentiment":"neutral","sentiment_score":0.12253874715568036}}}}