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I'll try and make it as quick as possible for you, Andrew. Have you got somewhere to be? Okay. Not a problem there, Andrew. Well, I know you've been on board for a while there. So what I'll do is I'll go through, update some details. I'll let you know sort of how everything's going. And then from there, you can make a decision if you wanna update anything from there. So what we'll do, Andrew, is just run through, and we'll update all your details, make sure that's all up to date. So I've still got your email as AndrewJames0702@Gmail.com. Is that still correct? Perfect. I've got Rhonda as your negative Kin contact. Is that still correct? Yep. And I've got Alec as your only dependent, but he's, like, around 18 now. Is that correct? Are you supporting him financially? Yep. No. That's fine. And do you have a current spouse at the moment there, Andrew? Spouse, sorry, at the moment. Local partner. Yeah. No. That's fine. But still living at 2 Dash 5 Kenworth Street? Yep. And I know I know it's been a while since you last spoke to someone here, but are you currently employed, Andrew? I know you're looking for some work potentially in a kitchen or Gravedigger? Yep. And then within regards to that occupation, obviously, a lot of just digging holes, but anything else that goes with that, like, in general day to day duties? So general general maintenance around the yeah. Perfect. And then how long have you been doing that for now? Yep. And then prior to that, I know at one point you were a call sampler, but what were you doing prior to to this job there, Andrew? That's what were you that's what you were doing previously, or is it been a while since you've had Yep. And how much landscaping experience do you have at the moment there, Andrew? Couple years doing that work now? Yep. Perfect. And then with your employer, they cancel, like, you've moved on from parts and guns to be fully employed by the council. Yep. Not a problem. And then do you work with any hazardous materials apart from, like, some equipment to dig the holes? Yeah. Not a problem. And how many hours a week are you scheduled to do? Are you full time work there? Eight hour days or just eight hours a week? Yep. And do you generally just work five days a week? Yep. Casual. And do you know roughly what you're sort of on annually if you sort of do your regular casual hours? Do you know roughly what you're on an hour? Or not a problem. And do you know roughly what you're spending versus what you're saving a week there, Andrew? Not too sure at the moment with your budget. Yep. No. Understandable. And then as far as the super contributions, do you just get your general 12% on the the hours that you work? Yep. And within regards to assets and liability there, Andrew, I had you had the car worth around 10,000. Do you still have that car? Yep. And I know you had a little bit of credit card debt you were trying to pay down the last time you spoke to us. Have you managed to pay some of that down? Do you know roughly what it's sitting at at the moment? Yep. And do you have any sort of rainy day savings fund at the at the moment, or is that all sort of going towards paying that debt? Yep. And do you have any other assets I didn't mention at all there today, Andrew? No problem. And so have you answered this previously at all, Andrew? Have you ever declared bankruptcy or a part nine debt agreement? Yep. And you're still smoking? You quit? Perfect. And what year what year did you quit there, Andrew? So probably somewhere around the 2022, '23 mark or something? So may 2024? Yep. And how's your health been? Otherwise, no unexpected hospital trips or anything, not seeing the doctor for anything? No medications currently? Yeah. Understandable. And have you got around to to setting up a a will at all at the the moment? Yep. Is that something you were looking to potentially do? Or Yep. And do you have private health cover at the moment there, Andrew? No. It's fine. And this one's a bit of a random one too there, but you're not politically exposed, or you're not doing any sort of politics or have any family in politics? I don't know. It's a bit of an odd one there, but part of the the questions, it's mainly for sort of anti monitoring laws and things like that to make sure if we do have a political person on board. Yeah. As far as your goals there, I know your main goal was to pay down your credit card debt there and then just obviously look towards having your super growing towards something for your retirement. And then after that, you're not too fast. You just wanna have enough to be able to sort of retire and, you know, do a bit efficient and things like that. But is there anything else in the short term that you're sort of working towards? Is it mainly still paying down that credit card debt? Yep. Not really focused on doing anything else at the moment. Yep. And do you have, like, a budget planner that you use, Andrew, to do you want a copy of Oakview's budget planner to be able to utilize to sort of pay towards your bills and budget out your your income a little bit? Well, this is a budget planner because obviously you're working casual there. It's like something that you can, you know, roughly see what you could don't worry about it. Yeah. No. That's that's fine. As far as anything that I didn't mention, Andrew, do you think there's anything that you should sorta mention or anything I haven't talked about that you wanna have a chat about there? Not a problem. What I'll quickly jump into there is just a quick risk profile questionnaire there to make sure that what we've got you invested in is what is still appropriate for yourself. So bear with me. I'll just bring up that. And as far as investing goes, you haven't invested any direct shares or anything since you last spoke with us at all there, have you, Andrew? Yep. And are you still planning on sort of working to that age of 67 so you can sort of potentially access part of the the pension? Or yep. And then with inflation, obviously, you know, it money keeps getting worth less day on day with sort of the cost of living that keeps going up. Are you still willing to accept that higher amount of risk to have your superannuation invested to try and grow it to have something in retirement? And then six months after sort of investing, if you found out that your portfolio dropped by about 20% just with, like, even the war that's happening and everything in Ukraine and Iran. Would you sort of just hold and wait for that to improve? Would you look at sort of changing things or you sort of just be happy plotting along? Yeah. Not a problem. And then with things like COVID, that way you see, but did take a little bit of a hit. Did that make you, like, at all concerned or you weren't too fast with it at all? Yep. Not a problem at all. And then in regards to borrowed money, I know so probably you're not looking at a property purchase anytime soon or probably in the the future, but would you ever put your money into to property if or borrow it for a house if circumstances are different? Wouldn't worry about it. Not a problem. That still brings you out to a growth investor there, Andrew. So that's about 8% growth assets, about 20% more defensive assets in terms of, like, growing your superannuation and having that money invested. Now within regards to your current superannuation fund there, there was an underlying investment. And, obviously, with the war, it hasn't been too crash hot. But in addition to that one, there was an underlying investment that you do whole call Benelung, which is a managed fund. Now within regards to that, it had an underlying asset that was done for not reporting correctly, which caused it to take a quite a significant drop. That in conjunction with the the war and everything is quite caused it to take a bit of a backward step. Now the rest of your portfolio has somewhat propped up the returns for the year even with the the war. In Iran, after fees, it's around 5.72%. But with that one there, as a business decision, they are looking at moving away from Bennelong. Now with that there, obviously, Dana not too long ago updated your portfolio to your current one that you're in, which has been performing quite well up until, like, this year. We can look at just doing a company record of advice to basically remove that bet along investment for you and change it to an alternative in the same market as far as, like, your diversification's concerned. It would, though, remove the active portion of your fund, and it would just be more index, which means it comes at a bit of a lower cost. You just wouldn't be able to outperform the market. You'd just be sort of tracking the market. But as a business, they obviously are looking at removing that and moving on from that if you were sort of wanting to move away from Bennelong as well within line with that. Yep. Are you happy with it just being the Bennelong switch and maintaining the rest of your portfolio and just getting rid of that underperforming asset? Yep. Do you have any questions or concerns in regards to that performance or anything else there? Yep. Yeah. Not a problem at all. And then as far as insurances, obviously, you don't have any insurances there currently, Andrew. Do you have any questions around that? Are you happy sort of still having no insurances? Yeah. Not a problem at all. And in terms of anything else that you wanted to discuss there today, is there anything that I haven't touched on that you wanted to touch on at all? No problem at all. So with that one there, Andrew, I did have these documents done up there for you. But what I'll do is I'll quickly get this and your review pack together for you, and then you'll be able to review that one when you do have a chance and be able to either stay on board for another twelve months if you are happy with everything. Or if you're not happy with everything, obviously, you can give us a callback up and have a discussion around anything that you do have any questions or concerns about. But within regards to those documents, it'll have the ongoing service agreement for one, and then it'll also have a tax file opt in form. Just in the event that sort of updated where we store your tax file number, that's just where your tax will now be sitting moving forward. As far as the fees for the next twelve months, it will still be the 1.65%. Now within regards to that one, based on your your current balance there, it'll just have the estimated fee, which is around $1,900 as far as, like, the managed funds under your account, as far as your ongoing service agreement. And then within regards to that, when you will have some attached documents there with the Vanguard chart to be able to view sort of how the markets have acted over, you know, a thirty year period, you'll have your performance report. You'll addition to that one. You'll also have the summary of just where your superannuation is at, your account number, and then you'll have the most up to date copy of the financial services guide and overview services guide just to be able to have a look at there. But do you have any questions in regards to those reports that are gonna be sending out to you at all? Not a problem. So I'll be sending those out to you there shortly, and then you can have a chance to review those and sign if you have to stay on board for another twelve months. But do you have any other questions today there in regards to anything at all, Andrew, or how things are traveling or the current markets? Or pretty happy with how things are ticking along? Yep. Not a problem at all. And then in, like, future, if you did wanna have a discussion around potentially, you know, doing a budget and a budget planner and things like that, I know with casual work, you're a bit sort of it depends sort of how many days you do work and if you do, you get your five days or not. But if you do sort of maybe go to a bit more of a permanent part time position or a full time position, potentially setting up a budget to help you sort of pay down your credit card debt and budget for that and sort of look at, you know, doing things a little bit differently so you're able to pay that down a bit quicker. No problem. But if you don't have anything else for for me today there, Andrew, I'll get the team to organize that record of advice for you just based on the the company change there for Benelon. And then other than that, if you do have any questions or concerns or anything regards to any review packs sent out, you can always give us a call there as well. No problem at all, Andrew. Thanks for your time. You enjoy the rest of your day. 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You've come through to Kyle. How are you today? It's good to hear, Andrew. I had you scheduled in for you and your review today.\n\nIs now still a good time for you? Yeah. Not a problem. I'll try and make it as quick as possible for you, Andrew. Have you got somewhere to be?\n\nOkay. Not a problem there, Andrew. Well, I know you've been on board for a while there. So what I'll do is I'll go through, update some details. I'll let you know sort of how everything's going.\n\nAnd then from there, you can make a decision if you wanna update anything from there. So what we'll do, Andrew, is just run through, and we'll update all your details, make sure that's all up to date. So I've still got your email as AndrewJames0702@Gmail.com. Is that still correct? Perfect.\n\nI've got Rhonda as your negative Kin contact. Is that still correct? Yep. And I've got Alec as your only dependent, but he's, like, around 18 now. Is that correct?\n\nAre you supporting him financially? Yep. No. That's fine. And do you have a current spouse at the moment there, Andrew?\n\nSpouse, sorry, at the moment. Local partner. Yeah. No. That's fine.\n\nBut still living at 2 Dash 5 Kenworth Street? Yep. And I know I know it's been a while since you last spoke to someone here, but are you currently employed, Andrew? I know you're looking for some work potentially in a kitchen or Gravedigger? Yep.\n\nAnd then within regards to that occupation, obviously, a lot of just digging holes, but anything else that goes with that, like, in general day to day duties? So general general maintenance around the yeah. Perfect. And then how long have you been doing that for now? Yep.\n\nAnd then prior to that, I know at one point you were a call sampler, but what were you doing prior to to this job there, Andrew? That's what were you that's what you were doing previously, or is it been a while since you've had Yep. And how much landscaping experience do you have at the moment there, Andrew? Couple years doing that work now? Yep.\n\nPerfect. And then with your employer, they cancel, like, you've moved on from parts and guns to be fully employed by the council. Yep. Not a problem. And then do you work with any hazardous materials apart from, like, some equipment to dig the holes?\n\nYeah. Not a problem. And how many hours a week are you scheduled to do? Are you full time work there? Eight hour days or just eight hours a week?\n\nYep. And do you generally just work five days a week? Yep. Casual. And do you know roughly what you're sort of on annually if you sort of do your regular casual hours?\n\nDo you know roughly what you're on an hour? Or not a problem. And do you know roughly what you're spending versus what you're saving a week there, Andrew? Not too sure at the moment with your budget. Yep.\n\nNo. Understandable. And then as far as the super contributions, do you just get your general 12% on the the hours that you work? Yep. And within regards to assets and liability there, Andrew, I had you had the car worth around 10,000.\n\nDo you still have that car? Yep. And I know you had a little bit of credit card debt you were trying to pay down the last time you spoke to us. Have you managed to pay some of that down? Do you know roughly what it's sitting at at the moment?\n\nYep. And do you have any sort of rainy day savings fund at the at the moment, or is that all sort of going towards paying that debt? Yep. And do you have any other assets I didn't mention at all there today, Andrew? No problem.\n\nAnd so have you answered this previously at all, Andrew? Have you ever declared bankruptcy or a part nine debt agreement? Yep. And you're still smoking? You quit?\n\nPerfect. And what year what year did you quit there, Andrew? So probably somewhere around the 2022, '23 mark or something? So may 2024? Yep.\n\nAnd how's your health been? Otherwise, no unexpected hospital trips or anything, not seeing the doctor for anything? No medications currently? Yeah. Understandable.\n\nAnd have you got around to to setting up a a will at all at the the moment? Yep. Is that something you were looking to potentially do? Or Yep. And do you have private health cover at the moment there, Andrew?\n\nNo. It's fine. And this one's a bit of a random one too there, but you're not politically exposed, or you're not doing any sort of politics or have any family in politics? I don't know. It's a bit of an odd one there, but part of the the questions, it's mainly for sort of anti monitoring laws and things like that to make sure if we do have a political person on board.\n\nYeah. As far as your goals there, I know your main goal was to pay down your credit card debt there and then just obviously look towards having your super growing towards something for your retirement. And then after that, you're not too fast. You just wanna have enough to be able to sort of retire and, you know, do a bit efficient and things like that. But is there anything else in the short term that you're sort of working towards?\n\nIs it mainly still paying down that credit card debt? Yep. Not really focused on doing anything else at the moment. Yep. And do you have, like, a budget planner that you use, Andrew, to do you want a copy of Oakview's budget planner to be able to utilize to sort of pay towards your bills and budget out your your income a little bit?\n\nWell, this is a budget planner because obviously you're working casual there. It's like something that you can, you know, roughly see what you could don't worry about it. Yeah. No. That's that's fine.\n\nAs far as anything that I didn't mention, Andrew, do you think there's anything that you should sorta mention or anything I haven't talked about that you wanna have a chat about there? Not a problem. What I'll quickly jump into there is just a quick risk profile questionnaire there to make sure that what we've got you invested in is what is still appropriate for yourself. So bear with me. I'll just bring up that.\n\nAnd as far as investing goes, you haven't invested any direct shares or anything since you last spoke with us at all there, have you, Andrew? Yep. And are you still planning on sort of working to that age of 67 so you can sort of potentially access part of the the pension? Or yep. And then with inflation, obviously, you know, it money keeps getting worth less day on day with sort of the cost of living that keeps going up.\n\nAre you still willing to accept that higher amount of risk to have your superannuation invested to try and grow it to have something in retirement? And then six months after sort of investing, if you found out that your portfolio dropped by about 20% just with, like, even the war that's happening and everything in Ukraine and Iran. Would you sort of just hold and wait for that to improve? Would you look at sort of changing things or you sort of just be happy plotting along? Yeah.\n\nNot a problem. And then with things like COVID, that way you see, but did take a little bit of a hit. Did that make you, like, at all concerned or you weren't too fast with it at all? Yep. Not a problem at all.\n\nAnd then in regards to borrowed money, I know so probably you're not looking at a property purchase anytime soon or probably in the the future, but would you ever put your money into to property if or borrow it for a house if circumstances are different? Wouldn't worry about it. Not a problem. That still brings you out to a growth investor there, Andrew. So that's about 8% growth assets, about 20% more defensive assets in terms of, like, growing your superannuation and having that money invested.\n\nNow within regards to your current superannuation fund there, there was an underlying investment. And, obviously, with the war, it hasn't been too crash hot. But in addition to that one, there was an underlying investment that you do whole call Benelung, which is a managed fund. Now within regards to that, it had an underlying asset that was done for not reporting correctly, which caused it to take a quite a significant drop. That in conjunction with the the war and everything is quite caused it to take a bit of a backward step.\n\nNow the rest of your portfolio has somewhat propped up the returns for the year even with the the war. In Iran, after fees, it's around 5.72%. But with that one there, as a business decision, they are looking at moving away from Bennelong. Now with that there, obviously, Dana not too long ago updated your portfolio to your current one that you're in, which has been performing quite well up until, like, this year. We can look at just doing a company record of advice to basically remove that bet along investment for you and change it to an alternative in the same market as far as, like, your diversification's concerned.\n\nIt would, though, remove the active portion of your fund, and it would just be more index, which means it comes at a bit of a lower cost. You just wouldn't be able to outperform the market. You'd just be sort of tracking the market. But as a business, they obviously are looking at removing that and moving on from that if you were sort of wanting to move away from Bennelong as well within line with that. Yep.\n\nAre you happy with it just being the Bennelong switch and maintaining the rest of your portfolio and just getting rid of that underperforming asset? Yep. Do you have any questions or concerns in regards to that performance or anything else there? Yep. Yeah.\n\nNot a problem at all. And then as far as insurances, obviously, you don't have any insurances there currently, Andrew. Do you have any questions around that? Are you happy sort of still having no insurances? Yeah.\n\nNot a problem at all. And in terms of anything else that you wanted to discuss there today, is there anything that I haven't touched on that you wanted to touch on at all? No problem at all. So with that one there, Andrew, I did have these documents done up there for you. But what I'll do is I'll quickly get this and your review pack together for you, and then you'll be able to review that one when you do have a chance and be able to either stay on board for another twelve months if you are happy with everything.\n\nOr if you're not happy with everything, obviously, you can give us a callback up and have a discussion around anything that you do have any questions or concerns about. But within regards to those documents, it'll have the ongoing service agreement for one, and then it'll also have a tax file opt in form. Just in the event that sort of updated where we store your tax file number, that's just where your tax will now be sitting moving forward. As far as the fees for the next twelve months, it will still be the 1.65%. Now within regards to that one, based on your your current balance there, it'll just have the estimated fee, which is around $1,900 as far as, like, the managed funds under your account, as far as your ongoing service agreement.\n\nAnd then within regards to that, when you will have some attached documents there with the Vanguard chart to be able to view sort of how the markets have acted over, you know, a thirty year period, you'll have your performance report. You'll addition to that one. You'll also have the summary of just where your superannuation is at, your account number, and then you'll have the most up to date copy of the financial services guide and overview services guide just to be able to have a look at there. But do you have any questions in regards to those reports that are gonna be sending out to you at all? Not a problem.\n\nSo I'll be sending those out to you there shortly, and then you can have a chance to review those and sign if you have to stay on board for another twelve months. But do you have any other questions today there in regards to anything at all, Andrew, or how things are traveling or the current markets? Or pretty happy with how things are ticking along? Yep. Not a problem at all.\n\nAnd then in, like, future, if you did wanna have a discussion around potentially, you know, doing a budget and a budget planner and things like that, I know with casual work, you're a bit sort of it depends sort of how many days you do work and if you do, you get your five days or not. But if you do sort of maybe go to a bit more of a permanent part time position or a full time position, potentially setting up a budget to help you sort of pay down your credit card debt and budget for that and sort of look at, you know, doing things a little bit differently so you're able to pay that down a bit quicker. No problem. But if you don't have anything else for for me today there, Andrew, I'll get the team to organize that record of advice for you just based on the the company change there for Benelon. And then other than that, if you do have any questions or concerns or anything regards to any review packs sent out, you can always give us a call there as well.\n\nNo problem at all, Andrew. Thanks for your time. You enjoy the rest of your day. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":2.0,"end":2.32,"sentiment":"neutral","sentiment_score":0.1190238818526268},{"text":"You've come through to Kyle.","start":2.32,"end":3.36,"sentiment":"neutral","sentiment_score":0.18884344696998595},{"text":"How are you today?","start":3.36,"end":4.26,"sentiment":"neutral","sentiment_score":0.23108461126685143},{"text":"It's good to hear, Andrew.","start":6.3999996,"end":7.6,"sentiment":"positive","sentiment_score":0.8103450179100037},{"text":"I had you scheduled in for you and your review today.","start":7.6,"end":9.76,"sentiment":"positive","sentiment_score":0.47806453704833984}],"sentiment":"positive","sentiment_score":0.4345390214942969,"num_words":26,"start":2.0,"end":9.76},{"sentences":[{"text":"Is now still a good time for you?","start":9.76,"end":11.38,"sentiment":"positive","sentiment_score":0.344771072268486},{"text":"Yeah.","start":14.815001,"end":15.215,"sentiment":"neutral","sentiment_score":0.11959590762853622},{"text":"Not a problem.","start":15.215,"end":16.095001,"sentiment":"neutral","sentiment_score":0.19542267421881357},{"text":"I'll try and make it as quick as possible for you, Andrew.","start":16.095001,"end":18.495,"sentiment":"neutral","sentiment_score":0.22659869492053986},{"text":"Have you got somewhere to be?","start":18.495,"end":19.795,"sentiment":"neutral","sentiment_score":0.02691249828785658}],"sentiment":"neutral","sentiment_score":0.21148972790688275,"num_words":30,"start":9.76,"end":19.795},{"sentences":[{"text":"Okay.","start":22.494999,"end":22.975,"sentiment":"neutral","sentiment_score":0.06962728500366211},{"text":"Not a problem there, Andrew.","start":22.975,"end":23.935001,"sentiment":"neutral","sentiment_score":0.12747108042240143},{"text":"Well, I know you've been on board for a while there.","start":23.935001,"end":25.615,"sentiment":"neutral","sentiment_score":0.06613039564002644},{"text":"So what I'll do is I'll go through, update some details.","start":25.615,"end":28.26,"sentiment":"neutral","sentiment_score":0.13227857987989078},{"text":"I'll let you know sort of how everything's going.","start":28.26,"end":29.939999,"sentiment":"neutral","sentiment_score":0.2198173917002148}],"sentiment":"neutral","sentiment_score":0.13156318765234304,"num_words":37,"start":22.494999,"end":29.939999},{"sentences":[{"text":"And then from there, you can make a decision if you wanna update anything from there.","start":29.939999,"end":33.3,"sentiment":"neutral","sentiment_score":0.14739724807441235},{"text":"So what we'll do, Andrew, is just run through, and we'll update all your details, make sure that's all up to date.","start":33.3,"end":39.14,"sentiment":"neutral","sentiment_score":0.13862993974577298},{"text":"So I've still got your email as AndrewJames0702@Gmail.com.","start":39.14,"end":45.115,"sentiment":"neutral","sentiment_score":0.0796660641208291},{"text":"Is that still correct?","start":45.115,"end":46.095,"sentiment":"neutral","sentiment_score":0.05759834311902523},{"text":"Perfect.","start":47.435,"end":47.835,"sentiment":"neutral","sentiment_score":0.22430621087551117}],"sentiment":"neutral","sentiment_score":0.12745573999834994,"num_words":51,"start":29.939999,"end":47.835},{"sentences":[{"text":"I've got Rhonda as your negative Kin contact.","start":47.835,"end":49.915,"sentiment":"neutral","sentiment_score":-0.17065549921244383},{"text":"Is that still correct?","start":49.915,"end":50.975,"sentiment":"neutral","sentiment_score":-0.05006540007889271},{"text":"Yep.","start":52.49,"end":52.81,"sentiment":"neutral","sentiment_score":0.01335194893181324},{"text":"And I've got Alec as your only dependent, but he's, like, around 18 now.","start":52.81,"end":58.33,"sentiment":"neutral","sentiment_score":0.0011724517348089389},{"text":"Is that correct?","start":58.33,"end":59.07,"sentiment":"neutral","sentiment_score":0.014364924592276415}],"sentiment":"neutral","sentiment_score":-0.04975481823397179,"num_words":30,"start":47.835,"end":59.07},{"sentences":[{"text":"Are you supporting him financially?","start":60.33,"end":62.03,"sentiment":"neutral","sentiment_score":-0.01827133111655712},{"text":"Yep.","start":65.225,"end":65.545,"sentiment":"neutral","sentiment_score":-0.023864133283495903},{"text":"No.","start":65.545,"end":65.784996,"sentiment":"neutral","sentiment_score":-0.05719635635614395},{"text":"That's fine.","start":65.784996,"end":66.604996,"sentiment":"neutral","sentiment_score":-0.024896848015487194},{"text":"And do you have a current spouse at the moment there, Andrew?","start":67.145,"end":69.885,"sentiment":"neutral","sentiment_score":-0.02883789377907912}],"sentiment":"neutral","sentiment_score":-0.027060265076302346,"num_words":21,"start":60.33,"end":69.885},{"sentences":[{"text":"Spouse, sorry, at the moment.","start":71.545,"end":72.905,"sentiment":"neutral","sentiment_score":-0.05069525614380836},{"text":"Local partner.","start":72.905,"end":73.725,"sentiment":"neutral","sentiment_score":-0.05178414657711983},{"text":"Yeah.","start":73.945,"end":74.265,"sentiment":"neutral","sentiment_score":-0.020364927127957344},{"text":"No.","start":74.265,"end":74.425,"sentiment":"neutral","sentiment_score":-0.04263924807310104},{"text":"That's fine.","start":74.425,"end":75.165,"sentiment":"neutral","sentiment_score":-0.018909312319010496}],"sentiment":"neutral","sentiment_score":-0.041624306701123714,"num_words":11,"start":71.545,"end":75.165},{"sentences":[{"text":"But still living at 2 Dash 5 Kenworth Street?","start":75.625,"end":79.19,"sentiment":"neutral","sentiment_score":-0.02844452837275134},{"text":"Yep.","start":80.770004,"end":81.090004,"sentiment":"neutral","sentiment_score":-0.007711025886237621},{"text":"And I know I know it's been a while since you last spoke to someone here, but are you currently employed, Andrew?","start":81.090004,"end":86.05,"sentiment":"neutral","sentiment_score":-0.04854700528085232},{"text":"I know you're looking for some work potentially in a kitchen or Gravedigger?","start":86.05,"end":104.28,"sentiment":"neutral","sentiment_score":-0.019935792312026024},{"text":"Yep.","start":104.5,"end":105.0,"sentiment":"neutral","sentiment_score":0.02051498740911484}],"sentiment":"neutral","sentiment_score":-0.03413904804493422,"num_words":46,"start":75.625,"end":105.0},{"sentences":[{"text":"And then within regards to that occupation, obviously, a lot of just digging holes, but anything else that goes with that, like, in general day to day duties?","start":105.22,"end":112.6,"sentiment":"neutral","sentiment_score":0.020696849262874042},{"text":"So general general maintenance around the yeah.","start":118.035,"end":124.115,"sentiment":"neutral","sentiment_score":0.028240829506622895},{"text":"Perfect.","start":124.115,"end":124.615,"sentiment":"positive","sentiment_score":0.42516928911209106},{"text":"And then how long have you been doing that for now?","start":124.675,"end":127.095,"sentiment":"neutral","sentiment_score":0.07347716391086578},{"text":"Yep.","start":135.78,"end":136.1,"sentiment":"neutral","sentiment_score":0.04854295775294304}],"sentiment":"neutral","sentiment_score":0.04289913824565398,"num_words":48,"start":105.22,"end":136.1},{"sentences":[{"text":"And then prior to that, I know at one point you were a call sampler, but what were you doing prior to to this job there, Andrew?","start":136.1,"end":142.52,"sentiment":"neutral","sentiment_score":0.007256642225439902},{"text":"That's what were you that's what you were doing previously, or is it been a while since you've had Yep.","start":145.915,"end":163.04999,"sentiment":"neutral","sentiment_score":-0.024148239626083524},{"text":"And how much landscaping experience do you have at the moment there, Andrew?","start":163.04999,"end":166.965,"sentiment":"neutral","sentiment_score":0.029961517367225427},{"text":"Couple years doing that work now?","start":171.285,"end":173.14499,"sentiment":"neutral","sentiment_score":-0.004616634609798591},{"text":"Yep.","start":178.325,"end":178.805,"sentiment":"neutral","sentiment_score":0.07976942509412766}],"sentiment":"neutral","sentiment_score":0.0023064759817085605,"num_words":67,"start":136.1,"end":178.805},{"sentences":[{"text":"Perfect.","start":178.805,"end":179.305,"sentiment":"neutral","sentiment_score":0.2260468751192093},{"text":"And then with your employer, they cancel, like, you've moved on from parts and guns to be fully employed by the council.","start":179.605,"end":185.34,"sentiment":"neutral","sentiment_score":-0.017342961477962406},{"text":"Yep.","start":185.34,"end":185.65999,"sentiment":"neutral","sentiment_score":0.028438126668334007},{"text":"Not a problem.","start":185.65999,"end":186.4,"sentiment":"neutral","sentiment_score":0.07259754091501236},{"text":"And then do you work with any hazardous materials apart from, like, some equipment to dig the holes?","start":186.93999,"end":191.43999,"sentiment":"neutral","sentiment_score":-0.03266806507276164}],"sentiment":"neutral","sentiment_score":-0.01105094887316227,"num_words":45,"start":178.805,"end":191.43999},{"sentences":[{"text":"Yeah.","start":193.355,"end":193.59499,"sentiment":"neutral","sentiment_score":0.0407131165266037},{"text":"Not a problem.","start":193.59499,"end":194.23499,"sentiment":"neutral","sentiment_score":0.09729205071926117},{"text":"And how many hours a week are you scheduled to do?","start":194.23499,"end":197.11499,"sentiment":"neutral","sentiment_score":0.03395369936796752},{"text":"Are you full time work there?","start":197.11499,"end":198.575,"sentiment":"neutral","sentiment_score":0.015218540870894989},{"text":"Eight hour days or just eight hours a week?","start":203.11499,"end":205.41,"sentiment":"neutral","sentiment_score":0.008892832323908806}],"sentiment":"neutral","sentiment_score":0.029247556595752636,"num_words":30,"start":193.355,"end":205.41},{"sentences":[{"text":"Yep.","start":207.73001,"end":207.97,"sentiment":"neutral","sentiment_score":0.13842111825942993},{"text":"And do you generally just work five days a week?","start":207.97,"end":210.23001,"sentiment":"neutral","sentiment_score":0.046350003033876416},{"text":"Yep.","start":213.49,"end":213.89,"sentiment":"neutral","sentiment_score":0.05713459849357605},{"text":"Casual.","start":213.89,"end":214.39,"sentiment":"neutral","sentiment_score":0.0236140601336956},{"text":"And do you know roughly what you're sort of on annually if you sort of do your regular casual hours?","start":216.29001,"end":221.19,"sentiment":"neutral","sentiment_score":0.019832264771685003}],"sentiment":"neutral","sentiment_score":0.03270651826239897,"num_words":33,"start":207.73001,"end":221.19},{"sentences":[{"text":"Do you know roughly what you're on an hour?","start":224.835,"end":226.515,"sentiment":"neutral","sentiment_score":0.011314168675906129},{"text":"Or not a problem.","start":226.515,"end":232.435,"sentiment":"neutral","sentiment_score":0.18690222222357988},{"text":"And do you know roughly what you're spending versus what you're saving a week there, Andrew?","start":232.435,"end":235.895,"sentiment":"neutral","sentiment_score":0.08201780216768384},{"text":"Not too sure at the moment with your budget.","start":243.04,"end":245.06,"sentiment":"neutral","sentiment_score":-0.21185659203264448},{"text":"Yep.","start":250.895,"end":251.135,"sentiment":"neutral","sentiment_score":-0.001215316355228424}],"sentiment":"neutral","sentiment_score":0.006507605051574035,"num_words":39,"start":224.835,"end":251.135},{"sentences":[{"text":"No.","start":251.135,"end":251.635,"sentiment":"neutral","sentiment_score":-0.0969294011592865},{"text":"Understandable.","start":252.575,"end":253.075,"sentiment":"neutral","sentiment_score":-0.017849430441856384},{"text":"And then as far as the super contributions, do you just get your general 12% on the the hours that you work?","start":254.33499,"end":261.155,"sentiment":"neutral","sentiment_score":0.026354986750944095},{"text":"Yep.","start":262.86,"end":263.36,"sentiment":"neutral","sentiment_score":0.07196366041898727},{"text":"And within regards to assets and liability there, Andrew, I had you had the car worth around 10,000.","start":263.66,"end":269.66,"sentiment":"neutral","sentiment_score":0.030606578000717692}],"sentiment":"neutral","sentiment_score":0.025300300961663556,"num_words":43,"start":251.135,"end":269.66},{"sentences":[{"text":"Do you still have that car?","start":269.66,"end":271.03998,"sentiment":"neutral","sentiment_score":0.0024679660176237426},{"text":"Yep.","start":272.78,"end":273.225,"sentiment":"neutral","sentiment_score":0.07046208530664444},{"text":"And I know you had a little bit of credit card debt you were trying to pay down the last time you spoke to us.","start":273.305,"end":277.225,"sentiment":"neutral","sentiment_score":-0.013978462591767311},{"text":"Have you managed to pay some of that down?","start":277.225,"end":279.085,"sentiment":"neutral","sentiment_score":-0.004099085513088439},{"text":"Do you know roughly what it's sitting at at the moment?","start":280.345,"end":282.445,"sentiment":"neutral","sentiment_score":-0.08370472219857303}],"sentiment":"neutral","sentiment_score":-0.023496834561228752,"num_words":52,"start":269.66,"end":282.445},{"sentences":[{"text":"Yep.","start":287.0,"end":287.5,"sentiment":"neutral","sentiment_score":0.04728028178215027},{"text":"And do you have any sort of rainy day savings fund at the at the moment, or is that all sort of going towards paying that debt?","start":288.12,"end":293.66,"sentiment":"neutral","sentiment_score":-0.0032885151190890204},{"text":"Yep.","start":296.52,"end":297.02,"sentiment":"neutral","sentiment_score":0.036202795803546906},{"text":"And do you have any other assets I didn't mention at all there today, Andrew?","start":297.08,"end":300.22,"sentiment":"neutral","sentiment_score":0.013934938694971304},{"text":"No problem.","start":303.565,"end":304.045,"sentiment":"neutral","sentiment_score":0.029787858948111538}],"sentiment":"neutral","sentiment_score":0.005723760167197527,"num_words":46,"start":287.0,"end":304.045},{"sentences":[{"text":"And so have you answered this previously at all, Andrew?","start":304.045,"end":306.125,"sentiment":"neutral","sentiment_score":-0.07829100582748652},{"text":"Have you ever declared bankruptcy or a part nine debt agreement?","start":306.125,"end":308.785,"sentiment":"neutral","sentiment_score":-0.12362334538589824},{"text":"Yep.","start":310.525,"end":311.025,"sentiment":"neutral","sentiment_score":-0.03953801840543747},{"text":"And you're still smoking?","start":311.165,"end":312.465,"sentiment":"neutral","sentiment_score":-0.16207528486847878},{"text":"You quit?","start":314.42,"end":315.08002,"sentiment":"neutral","sentiment_score":-0.2273368537425995}],"sentiment":"neutral","sentiment_score":-0.11733141867443919,"num_words":28,"start":304.045,"end":315.08002},{"sentences":[{"text":"Perfect.","start":318.26,"end":318.58002,"sentiment":"neutral","sentiment_score":0.06633101403713226},{"text":"And what year what year did you quit there, Andrew?","start":318.58002,"end":321.4,"sentiment":"neutral","sentiment_score":-0.0466826980933547},{"text":"So probably somewhere around the 2022, '23 mark or something?","start":329.955,"end":334.055,"sentiment":"neutral","sentiment_score":-0.05147318281233311},{"text":"So may 2024?","start":340.37,"end":341.99,"sentiment":"neutral","sentiment_score":-0.0017256888871391614},{"text":"Yep.","start":345.01,"end":345.51,"sentiment":"neutral","sentiment_score":0.066009521484375}],"sentiment":"neutral","sentiment_score":-0.03417581360787153,"num_words":25,"start":318.26,"end":345.51},{"sentences":[{"text":"And how's your health been?","start":346.05,"end":347.01,"sentiment":"neutral","sentiment_score":0.09865966886281967},{"text":"Otherwise, no unexpected hospital trips or anything, not seeing the doctor for anything?","start":347.01,"end":350.295,"sentiment":"neutral","sentiment_score":-0.0822342700110032},{"text":"No medications currently?","start":351.89502,"end":353.27502,"sentiment":"neutral","sentiment_score":-0.1232592115799586},{"text":"Yeah.","start":358.855,"end":359.17502,"sentiment":"neutral","sentiment_score":-0.016247529536485672},{"text":"Understandable.","start":359.17502,"end":359.67502,"sentiment":"neutral","sentiment_score":-0.0025424857158213854}],"sentiment":"neutral","sentiment_score":-0.04192673112265766,"num_words":23,"start":346.05,"end":359.67502},{"sentences":[{"text":"And have you got around to to setting up a a will at all at the the moment?","start":360.135,"end":364.95502,"sentiment":"neutral","sentiment_score":0.016305550208522215},{"text":"Yep.","start":367.38,"end":367.62,"sentiment":"neutral","sentiment_score":-0.08483682572841644},{"text":"Is that something you were looking to potentially do?","start":367.62,"end":369.53998,"sentiment":"neutral","sentiment_score":-0.0928951245215204},{"text":"Or Yep.","start":369.53998,"end":377.835,"sentiment":"neutral","sentiment_score":-0.0009535178542137146},{"text":"And do you have private health cover at the moment there, Andrew?","start":379.115,"end":381.69498,"sentiment":"neutral","sentiment_score":0.005287628620862961}],"sentiment":"neutral","sentiment_score":-0.013472584164923146,"num_words":42,"start":360.135,"end":381.69498},{"sentences":[{"text":"No.","start":383.115,"end":383.275,"sentiment":"neutral","sentiment_score":-0.10659192502498628},{"text":"It's fine.","start":383.275,"end":384.01498,"sentiment":"neutral","sentiment_score":-0.015127842081710696},{"text":"And this one's a bit of a random one too there, but you're not politically exposed, or you're not doing any sort of politics or have any family in politics?","start":384.555,"end":390.41498,"sentiment":"neutral","sentiment_score":-0.15413098695377508},{"text":"I don't know.","start":393.41,"end":393.73,"sentiment":"neutral","sentiment_score":-0.16440308094024658},{"text":"It's a bit of an odd one there, but part of the the questions, it's mainly for sort of anti monitoring laws and things like that to make sure if we do have a political person on board.","start":393.73,"end":402.47,"sentiment":"neutral","sentiment_score":-0.16619393327518514}],"sentiment":"neutral","sentiment_score":-0.1563426476362086,"num_words":74,"start":383.115,"end":402.47},{"sentences":[{"text":"Yeah.","start":405.26498,"end":405.76498,"sentiment":"neutral","sentiment_score":0.12766560912132263},{"text":"As far as your goals there, I know your main goal was to pay down your credit card debt there and then just obviously look towards having your super growing towards something for your retirement.","start":405.905,"end":415.26498,"sentiment":"neutral","sentiment_score":0.27783808537891935},{"text":"And then after that, you're not too fast.","start":415.26498,"end":417.10498,"sentiment":"neutral","sentiment_score":0.10754653625190258},{"text":"You just wanna have enough to be able to sort of retire and, you know, do a bit efficient and things like that.","start":417.10498,"end":422.75998,"sentiment":"neutral","sentiment_score":0.1253438953148282},{"text":"But is there anything else in the short term that you're sort of working towards?","start":422.75998,"end":426.6,"sentiment":"neutral","sentiment_score":0.058849905927975975}],"sentiment":"neutral","sentiment_score":0.17656133010438302,"num_words":82,"start":405.26498,"end":426.6},{"sentences":[{"text":"Is it mainly still paying down that credit card debt?","start":426.6,"end":428.86,"sentiment":"neutral","sentiment_score":0.0005015622824430466},{"text":"Yep.","start":431.655,"end":432.055,"sentiment":"neutral","sentiment_score":-0.16399091482162476},{"text":"Not really focused on doing anything else at the moment.","start":432.055,"end":434.23502,"sentiment":"negative","sentiment_score":-0.34564130306243895},{"text":"Yep.","start":435.575,"end":435.815,"sentiment":"neutral","sentiment_score":0.017804043367505074},{"text":"And do you have, like, a budget planner that you use, Andrew, to do you want a copy of Oakview's budget planner to be able to utilize to sort of pay towards your bills and budget out your your income a little bit?","start":435.815,"end":447.79,"sentiment":"neutral","sentiment_score":0.066481554187661}],"sentiment":"neutral","sentiment_score":-0.011367345372071633,"num_words":65,"start":426.6,"end":447.79},{"sentences":[{"text":"Well, this is a budget planner because obviously you're working casual there.","start":453.37,"end":456.65,"sentiment":"neutral","sentiment_score":0.06155070879807075},{"text":"It's like something that you can, you know, roughly see what you could don't worry about it.","start":456.65,"end":461.775,"sentiment":"neutral","sentiment_score":-0.12733537659925573},{"text":"Yeah.","start":463.83502,"end":464.155,"sentiment":"neutral","sentiment_score":-0.0706162378191948},{"text":"No.","start":464.155,"end":464.39502,"sentiment":"neutral","sentiment_score":-0.08522134274244308},{"text":"That's that's fine.","start":464.39502,"end":465.61502,"sentiment":"positive","sentiment_score":0.5145835081736246}],"sentiment":"neutral","sentiment_score":-0.001122939783860657,"num_words":34,"start":453.37,"end":465.61502},{"sentences":[{"text":"As far as anything that I didn't mention, Andrew, do you think there's anything that you should sorta mention or anything I haven't talked about that you wanna have a chat about there?","start":466.635,"end":473.1,"sentiment":"neutral","sentiment_score":-0.013971995505871195},{"text":"Not a problem.","start":475.58002,"end":476.30002,"sentiment":"positive","sentiment_score":0.35077719887097675},{"text":"What I'll quickly jump into there is just a quick risk profile questionnaire there to make sure that what we've got you invested in is what is still appropriate for yourself.","start":476.30002,"end":485.12,"sentiment":"neutral","sentiment_score":0.19044959184623533},{"text":"So bear with me.","start":485.18,"end":486.14,"sentiment":"neutral","sentiment_score":0.08926844224333763},{"text":"I'll just bring up that.","start":486.14,"end":487.365,"sentiment":"neutral","sentiment_score":0.08292807191610337}],"sentiment":"neutral","sentiment_score":0.0956172002724519,"num_words":76,"start":466.635,"end":487.365},{"sentences":[{"text":"And as far as investing goes, you haven't invested any direct shares or anything since you last spoke with us at all there, have you, Andrew?","start":489.125,"end":496.26498,"sentiment":"neutral","sentiment_score":-0.012682882137596607},{"text":"Yep.","start":498.16498,"end":498.565,"sentiment":"neutral","sentiment_score":-0.11740992963314056},{"text":"And are you still planning on sort of working to that age of 67 so you can sort of potentially access part of the the pension?","start":498.565,"end":504.94,"sentiment":"neutral","sentiment_score":-0.09442930210095185},{"text":"Or yep.","start":505.0,"end":507.42,"sentiment":"neutral","sentiment_score":-0.05616375431418419},{"text":"And then with inflation, obviously, you know, it money keeps getting worth less day on day with sort of the cost of living that keeps going up.","start":507.8,"end":516.055,"sentiment":"neutral","sentiment_score":-0.281698537921464}],"sentiment":"neutral","sentiment_score":-0.1295184725895524,"num_words":82,"start":489.125,"end":516.055},{"sentences":[{"text":"Are you still willing to accept that higher amount of risk to have your superannuation invested to try and grow it to have something in retirement?","start":516.055,"end":522.555,"sentiment":"neutral","sentiment_score":-0.17141041761407486},{"text":"And then six months after sort of investing, if you found out that your portfolio dropped by about 20% just with, like, even the war that's happening and everything in Ukraine and Iran.","start":527.59,"end":538.165,"sentiment":"neutral","sentiment_score":-0.21955558996308933},{"text":"Would you sort of just hold and wait for that to improve?","start":538.225,"end":540.785,"sentiment":"neutral","sentiment_score":-0.20649390667676926},{"text":"Would you look at sort of changing things or you sort of just be happy plotting along?","start":540.785,"end":544.96497,"sentiment":"neutral","sentiment_score":-0.014010716010542476},{"text":"Yeah.","start":547.58496,"end":547.985,"sentiment":"neutral","sentiment_score":0.15333408117294312}],"sentiment":"neutral","sentiment_score":-0.1602784303132068,"num_words":89,"start":516.055,"end":547.985},{"sentences":[{"text":"Not a problem.","start":547.985,"end":548.805,"sentiment":"neutral","sentiment_score":0.10675283893942833},{"text":"And then with things like COVID, that way you see, but did take a little bit of a hit.","start":549.745,"end":552.86,"sentiment":"neutral","sentiment_score":-0.22010866905513563},{"text":"Did that make you, like, at all concerned or you weren't too fast with it at all?","start":552.86,"end":556.72003,"sentiment":"neutral","sentiment_score":-0.31583911618765664},{"text":"Yep.","start":559.34,"end":559.66003,"sentiment":"neutral","sentiment_score":0.08644803613424301},{"text":"Not a problem at all.","start":559.66003,"end":560.8,"sentiment":"neutral","sentiment_score":0.14590754061937333}],"sentiment":"neutral","sentiment_score":-0.1870018984708521,"num_words":45,"start":547.985,"end":560.8},{"sentences":[{"text":"And then in regards to borrowed money, I know so probably you're not looking at a property purchase anytime soon or probably in the the future, but would you ever put your money into to property if or borrow it for a house if circumstances are different?","start":561.26,"end":573.235,"sentiment":"neutral","sentiment_score":-0.0775672151766559},{"text":"Wouldn't worry about it.","start":573.235,"end":574.115,"sentiment":"neutral","sentiment_score":0.13157685287296772},{"text":"Not a problem.","start":574.115,"end":574.855,"sentiment":"positive","sentiment_score":0.3561112880706787},{"text":"That still brings you out to a growth investor there, Andrew.","start":575.875,"end":579.09,"sentiment":"positive","sentiment_score":0.437584560025822},{"text":"So that's about 8% growth assets, about 20% more defensive assets in terms of, like, growing your superannuation and having that money invested.","start":579.09,"end":587.11,"sentiment":"neutral","sentiment_score":0.3028007570816123}],"sentiment":"neutral","sentiment_score":0.11053215608593416,"num_words":88,"start":561.26,"end":587.11},{"sentences":[{"text":"Now within regards to your current superannuation fund there, there was an underlying investment.","start":587.49,"end":595.695,"sentiment":"neutral","sentiment_score":-0.08562990198177951},{"text":"And, obviously, with the war, it hasn't been too crash hot.","start":595.695,"end":598.515,"sentiment":"neutral","sentiment_score":-0.26874618367715314},{"text":"But in addition to that one, there was an underlying investment that you do whole call Benelung, which is a managed fund.","start":599.055,"end":604.35504,"sentiment":"neutral","sentiment_score":-0.11634870008988814},{"text":"Now within regards to that, it had an underlying asset that was done for not reporting correctly, which caused it to take a quite a significant drop.","start":604.495,"end":613.51996,"sentiment":"negative","sentiment_score":-0.3352055897315343},{"text":"That in conjunction with the the war and everything is quite caused it to take a bit of a backward step.","start":613.66,"end":618.38,"sentiment":"negative","sentiment_score":-0.4786853619984218}],"sentiment":"neutral","sentiment_score":-0.27176464815673074,"num_words":95,"start":587.49,"end":618.38},{"sentences":[{"text":"Now the rest of your portfolio has somewhat propped up the returns for the year even with the the war.","start":618.38,"end":624.01495,"sentiment":"neutral","sentiment_score":-0.06622300297021866},{"text":"In Iran, after fees, it's around 5.72%.","start":624.01495,"end":627.235,"sentiment":"neutral","sentiment_score":-0.0939813501068524},{"text":"But with that one there, as a business decision, they are looking at moving away from Bennelong.","start":628.175,"end":635.44,"sentiment":"neutral","sentiment_score":-0.228529394549482},{"text":"Now with that there, obviously, Dana not too long ago updated your portfolio to your current one that you're in, which has been performing quite well up until, like, this year.","start":635.89996,"end":646.845,"sentiment":"neutral","sentiment_score":-0.023202104193549},{"text":"We can look at just doing a company record of advice to basically remove that bet along investment for you and change it to an alternative in the same market as far as, like, your diversification's concerned.","start":647.32495,"end":660.46497,"sentiment":"neutral","sentiment_score":-0.1001576382062725}],"sentiment":"neutral","sentiment_score":-0.09189667018862176,"num_words":112,"start":618.38,"end":660.46497},{"sentences":[{"text":"It would, though, remove the active portion of your fund, and it would just be more index, which means it comes at a bit of a lower cost.","start":660.845,"end":666.68,"sentiment":"neutral","sentiment_score":-0.023980696020381793},{"text":"You just wouldn't be able to outperform the market.","start":666.68,"end":668.36,"sentiment":"neutral","sentiment_score":-0.23351971929272017},{"text":"You'd just be sort of tracking the market.","start":668.36,"end":670.06,"sentiment":"neutral","sentiment_score":-0.09407625254243612},{"text":"But as a business, they obviously are looking at removing that and moving on from that if you were sort of wanting to move away from Bennelong as well within line with that.","start":671.0,"end":679.195,"sentiment":"neutral","sentiment_score":-0.1170776505587679},{"text":"Yep.","start":681.735,"end":682.055,"sentiment":"positive","sentiment_score":0.33473119139671326}],"sentiment":"neutral","sentiment_score":-0.08929845898211757,"num_words":79,"start":660.845,"end":682.055},{"sentences":[{"text":"Are you happy with it just being the Bennelong switch and maintaining the rest of your portfolio and just getting rid of that underperforming asset?","start":682.055,"end":688.315,"sentiment":"positive","sentiment_score":0.4722653806209564},{"text":"Yep.","start":690.43,"end":690.91,"sentiment":"neutral","sentiment_score":0.09705474227666856},{"text":"Do you have any questions or concerns in regards to that performance or anything else there?","start":690.91,"end":695.17,"sentiment":"neutral","sentiment_score":-0.014609806472435594},{"text":"Yep.","start":695.63,"end":696.13,"sentiment":"neutral","sentiment_score":0.0895346999168396},{"text":"Yeah.","start":696.67,"end":696.99,"sentiment":"neutral","sentiment_score":0.13854750990867615}],"sentiment":"neutral","sentiment_score":0.2704094219106165,"num_words":44,"start":682.055,"end":696.99},{"sentences":[{"text":"Not a problem at all.","start":696.99,"end":698.29,"sentiment":"neutral","sentiment_score":0.24634890556335448},{"text":"And then as far as insurances, obviously, you don't have any insurances there currently, Andrew.","start":699.06995,"end":703.415,"sentiment":"neutral","sentiment_score":-0.007802443827191989},{"text":"Do you have any questions around that?","start":703.415,"end":704.695,"sentiment":"neutral","sentiment_score":-0.06416704984647888},{"text":"Are you happy sort of still having no insurances?","start":704.695,"end":707.035,"sentiment":"neutral","sentiment_score":-0.07546733676766355},{"text":"Yeah.","start":709.57495,"end":709.975,"sentiment":"neutral","sentiment_score":0.22865846753120425}],"sentiment":"neutral","sentiment_score":0.005810566435291156,"num_words":37,"start":696.99,"end":709.975},{"sentences":[{"text":"Not a problem at all.","start":709.975,"end":711.355,"sentiment":"neutral","sentiment_score":0.27153254151344297},{"text":"And in terms of anything else that you wanted to discuss there today, is there anything that I haven't touched on that you wanted to touch on at all?","start":711.65497,"end":717.6,"sentiment":"neutral","sentiment_score":0.08614428290005388},{"text":"No problem at all.","start":720.16,"end":721.04,"sentiment":"neutral","sentiment_score":0.2729560434818268},{"text":"So with that one there, Andrew, I did have these documents done up there for you.","start":721.04,"end":726.56,"sentiment":"neutral","sentiment_score":0.3013495858758688},{"text":"But what I'll do is I'll quickly get this and your review pack together for you, and then you'll be able to review that one when you do have a chance and be able to either stay on board for another twelve months if you are happy with everything.","start":726.56,"end":740.495,"sentiment":"neutral","sentiment_score":0.3173213543332353}],"sentiment":"neutral","sentiment_score":0.24580593031008266,"num_words":103,"start":709.975,"end":740.495},{"sentences":[{"text":"Or if you're not happy with everything, obviously, you can give us a callback up and have a discussion around anything that you do have any questions or concerns about.","start":740.495,"end":747.45996,"sentiment":"neutral","sentiment_score":0.15486372175316016},{"text":"But within regards to those documents, it'll have the ongoing service agreement for one, and then it'll also have a tax file opt in form.","start":747.45996,"end":755.87994,"sentiment":"neutral","sentiment_score":0.20284711956977844},{"text":"Just in the event that sort of updated where we store your tax file number, that's just where your tax will now be sitting moving forward.","start":756.89996,"end":763.155,"sentiment":"neutral","sentiment_score":0.2535260726626103},{"text":"As far as the fees for the next twelve months, it will still be the 1.65%.","start":763.375,"end":767.715,"sentiment":"neutral","sentiment_score":0.031090320320799947},{"text":"Now within regards to that one, based on your your current balance there, it'll just have the estimated fee, which is around $1,900 as far as, like, the managed funds under your account, as far as your ongoing service agreement.","start":768.015,"end":781.16,"sentiment":"neutral","sentiment_score":0.09235619558021427}],"sentiment":"neutral","sentiment_score":0.14963839765991607,"num_words":137,"start":740.495,"end":781.16},{"sentences":[{"text":"And then within regards to that, when you will have some attached documents there with the Vanguard chart to be able to view sort of how the markets have acted over, you know, a thirty year period, you'll have your performance report.","start":781.3,"end":792.485,"sentiment":"neutral","sentiment_score":0.19518042497691654},{"text":"You'll addition to that one.","start":793.025,"end":794.22504,"sentiment":"neutral","sentiment_score":0.18672230541706086},{"text":"You'll also have the summary of just where your superannuation is at, your account number, and then you'll have the most up to date copy of the financial services guide and overview services guide just to be able to have a look at there.","start":794.22504,"end":804.63,"sentiment":"neutral","sentiment_score":0.20092111080884933},{"text":"But do you have any questions in regards to those reports that are gonna be sending out to you at all?","start":805.17,"end":810.31,"sentiment":"neutral","sentiment_score":0.10778127433288665},{"text":"Not a problem.","start":812.385,"end":813.445,"sentiment":"positive","sentiment_score":0.4720768133799235}],"sentiment":"neutral","sentiment_score":0.18827265611161356,"num_words":115,"start":781.3,"end":813.445},{"sentences":[{"text":"So I'll be sending those out to you there shortly, and then you can have a chance to review those and sign if you have to stay on board for another twelve months.","start":815.505,"end":823.265,"sentiment":"positive","sentiment_score":0.43301369927146216},{"text":"But do you have any other questions today there in regards to anything at all, Andrew, or how things are traveling or the current markets?","start":823.265,"end":829.65,"sentiment":"neutral","sentiment_score":0.20064672231674194},{"text":"Or pretty happy with how things are ticking along?","start":829.95,"end":834.13,"sentiment":"positive","sentiment_score":0.5096694032351176},{"text":"Yep.","start":837.07,"end":837.39,"sentiment":"neutral","sentiment_score":0.29252833127975464},{"text":"Not a problem at all.","start":837.39,"end":838.69,"sentiment":"positive","sentiment_score":0.4217914879322052}],"sentiment":"positive","sentiment_score":0.36019356895799504,"num_words":73,"start":815.505,"end":838.69},{"sentences":[{"text":"And then in, like, future, if you did wanna have a discussion around potentially, you know, doing a budget and a budget planner and things like that, I know with casual work, you're a bit sort of it depends sort of how many days you do work and if you do, you get your five days or not.","start":839.465,"end":852.87,"sentiment":"neutral","sentiment_score":0.09263042810148206},{"text":"But if you do sort of maybe go to a bit more of a permanent part time position or a full time position, potentially setting up a budget to help you sort of pay down your credit card debt and budget for that and sort of look at, you know, doing things a little bit differently so you're able to pay that down a bit quicker.","start":853.58997,"end":868.73,"sentiment":"neutral","sentiment_score":0.15495654692252478},{"text":"No problem.","start":870.755,"end":871.555,"sentiment":"positive","sentiment_score":0.3811570107936859},{"text":"But if you don't have anything else for for me today there, Andrew, I'll get the team to organize that record of advice for you just based on the the company change there for Benelon.","start":871.555,"end":881.495,"sentiment":"neutral","sentiment_score":0.2758112309234483},{"text":"And then other than that, if you do have any questions or concerns or anything regards to any review packs sent out, you can always give us a call there as well.","start":881.81,"end":887.99,"sentiment":"neutral","sentiment_score":0.20875333133153617}],"sentiment":"neutral","sentiment_score":0.16940679084606122,"num_words":193,"start":839.465,"end":887.99},{"sentences":[{"text":"No problem at all, Andrew.","start":889.17,"end":890.20996,"sentiment":"positive","sentiment_score":0.6424075722694397},{"text":"Thanks for your time.","start":890.20996,"end":890.76996,"sentiment":"positive","sentiment_score":0.8246137499809265},{"text":"You enjoy the rest of your day.","start":890.76996,"end":892.23,"sentiment":"positive","sentiment_score":0.8234362517084394},{"text":"Bye.","start":893.64996,"end":894.14996,"sentiment":"neutral","sentiment_score":-0.11227837204933168}],"sentiment":"positive","sentiment_score":0.715427544187097,"num_words":17,"start":889.17,"end":894.14996}]}}]},{"alternatives":[{"transcript":"Good. Thank you, Carl. Yeah, mate. Yeah. We'll try and get it done if we can. I'm actually at work. Yes. Correct, ma'am. Yep. That's me, ma'am. Yep. Yeah, man. No. Not me, man. Do I have a car? No. None. No. I thought that. You might. No. Not the kitchen. But, yeah, I'm actually employed with the council. Shit. Yeah. It's not it's not a good grab to go. Yep. Zip stripping. Mowing and tiding the yard. Yeah. Yeah. Exactly. Month and a half. The call sampling. No. No. I was I was doing parks and gardens in the car here. Yeah. It's cool parks and gardens for the council, and then it's pretty much the same thing, except we weren't digging holes. Yeah. Heaps. I believe yeah. I did with the the parts and guide. Yeah. Yep. Nine. Yeah. No. I'm casual. Right there. Nice. Yep. Thirty five. No. I guess it means that I know we got a job tomorrow. Being casual? Yes. Yeah, mate. No. About 5 and a half. Nine. Yep. No. No. No. Okay. Oh, shoot. Let's forget now. Is that longer? Oh, wouldn't quite get that far, but definitely a year, maybe two. Yeah. No. No. No. Yeah. Yeah. But I got a room made up or something like that. Just yeah. Stuff like that. Not Yep. Sorry. That's it. That's no reason. Yeah. Because I use that to pay off my yeah. Yeah. No. I don't have to no. I'll be fine. Yeah. I'll be fine. Thank you. No. No. No. Yep. Yeah. I'll be happy to call you on Tuesday. The Husband. No. Yep. Mhmm. Ma'am. Yes. Yes. No. No. No. Yeah. I'm fine. No. Thank you. Mhmm. Yep. Yep. Yep. Yep. Yep. Yep. 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You've come through to Kyle. How are you today?\n\nChannel 1: Good. Thank you, Carl.\n\nChannel 0: It's good to hear, Andrew. I had you scheduled in for you and your review today. Is now still a good time for you?\n\nChannel 1: Yeah, mate. Yeah. We'll try and get it done if we can.\n\nChannel 0: Yeah. Not a problem. I'll try and make it as quick as possible for you, Andrew. Have you got somewhere to be?\n\nChannel 1: I'm actually at work.\n\nChannel 0: Okay. Not a problem there, Andrew. Well, I know you've been on board for a while there. So what I'll do is I'll go through, update some details. I'll let you know sort of how everything's going.\n\nAnd then from there, you can make a decision if you wanna update anything from there. So what we'll do, Andrew, is just run through, and we'll update\n\nChannel 1: Yes.\n\nChannel 0: all your details, make sure that's all up to date. So I've still got your email as AndrewJames0702@Gmail.com. Is that still correct?\n\nChannel 1: Correct,\n\nChannel 0: Perfect. I've got Rhonda as your negative Kin contact. Is that still correct?\n\nChannel 1: ma'am. Yep. That's me, ma'am. Yep.\n\nChannel 0: Yep. And I've got Alec as your only dependent, but he's, like, around 18 now. Is that correct?\n\nChannel 1: Yeah, man.\n\nChannel 0: Are you supporting him financially?\n\nChannel 1: No. Not me, man.\n\nChannel 0: Yep. No. That's fine. And do you have a current spouse at the moment there, Andrew?\n\nChannel 1: Do I have a car?\n\nChannel 0: Spouse, sorry, at the moment.\n\nChannel 1: No.\n\nChannel 0: Local\n\nChannel 1: None.\n\nChannel 0: partner. Yeah. No. That's fine.\n\nChannel 1: No. I thought\n\nChannel 0: But\n\nChannel 1: that.\n\nChannel 0: still living at 2 Dash 5 Kenworth Street?\n\nChannel 1: You might.\n\nChannel 0: Yep. And I know I know it's been a while since you last spoke to someone here, but are you currently employed, Andrew? I know you're looking for some work potentially in a kitchen or\n\nChannel 1: No. Not the kitchen. But, yeah, I'm actually employed with the council. Shit. Yeah.\n\nIt's not it's not a good grab to go. Yep.\n\nChannel 0: Gravedigger? Yep. And then within regards to that occupation, obviously, a lot of just digging holes, but anything else that goes with that, like, in general day to day duties?\n\nChannel 1: Zip stripping.\n\nChannel 0: So\n\nChannel 1: Mowing\n\nChannel 0: general\n\nChannel 1: and tiding\n\nChannel 0: general\n\nChannel 1: the yard.\n\nChannel 0: maintenance around\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: Yeah. Exactly.\n\nChannel 0: yeah. Perfect. And then how long have you been doing that for now?\n\nChannel 1: Month and a half.\n\nChannel 0: Yep. And then prior to that, I know at one point you were a call sampler, but what were you doing prior to to this job there, Andrew?\n\nChannel 1: The call sampling.\n\nChannel 0: That's what were you that's what you were doing previously, or is\n\nChannel 1: No.\n\nChannel 0: it\n\nChannel 1: No.\n\nChannel 0: been a\n\nChannel 1: I\n\nChannel 0: while\n\nChannel 1: was\n\nChannel 0: since\n\nChannel 1: I\n\nChannel 0: you've\n\nChannel 1: was\n\nChannel 0: had\n\nChannel 1: doing parks and gardens in the car here. Yeah. It's cool parks and gardens for the council, and then it's pretty much the same thing, except we weren't digging holes.\n\nChannel 0: Yep. And how much landscaping experience do you have at the moment there, Andrew?\n\nChannel 1: Yeah. Heaps. I believe yeah. I did\n\nChannel 0: Couple\n\nChannel 1: with\n\nChannel 0: years\n\nChannel 1: the\n\nChannel 0: doing\n\nChannel 1: the\n\nChannel 0: that\n\nChannel 1: parts\n\nChannel 0: work\n\nChannel 1: and\n\nChannel 0: now?\n\nChannel 1: guide. Yeah.\n\nChannel 0: Yep. Perfect. And then with your employer, they cancel, like, you've moved on from\n\nChannel 1: Yep.\n\nChannel 0: parts and guns to be fully employed by the council. Yep. Not a problem. And then do you work with any hazardous materials apart from, like, some equipment to dig the holes? Yeah.\n\nNot a problem. And how many hours a week are you scheduled to do?\n\nChannel 1: Nine.\n\nChannel 0: Are you full time work there?\n\nChannel 1: Yeah. No. I'm casual.\n\nChannel 0: Eight hour days or just eight hours a week?\n\nChannel 1: Right there. Nice.\n\nChannel 0: Yep. And do you generally just work five days a week?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Casual. And do you know roughly what you're sort of on annually if you sort of do your regular casual hours? Do you know roughly what you're on an hour? Or\n\nChannel 1: Thirty five.\n\nChannel 0: not a problem. And do you know roughly what you're spending versus what you're saving a week there, Andrew? Not too sure at the moment with your budget.\n\nChannel 1: No. I guess it means that I know we got a job tomorrow. Being\n\nChannel 0: Yep.\n\nChannel 1: casual?\n\nChannel 0: No. Understandable. And then as far as the super contributions, do you just get your general 12% on the the hours that you work?\n\nChannel 1: Yes.\n\nChannel 0: Yep. And within regards to assets and liability there, Andrew, I had you had the car worth around 10,000. Do you still have that car?\n\nChannel 1: Yeah, mate.\n\nChannel 0: Yep. And I know you had a little bit of credit card debt you were trying to pay down the last time you spoke to us. Have you managed to pay some of that down?\n\nChannel 1: No.\n\nChannel 0: Do you know roughly what it's sitting at at the moment?\n\nChannel 1: About 5 and a half.\n\nChannel 0: Yep. And do you have any sort of rainy day savings fund at the at the moment, or is that all\n\nChannel 1: Nine.\n\nChannel 0: sort of going towards paying that debt?\n\nChannel 1: Yep.\n\nChannel 0: Yep. And do you have any other assets I didn't mention at all there today, Andrew? No problem. And so have you answered this\n\nChannel 1: No.\n\nChannel 0: previously at all, Andrew? Have you ever declared bankruptcy or a part nine debt agreement? Yep. And you're still smoking? You quit?\n\nChannel 1: No. No. Okay.\n\nChannel 0: Perfect. And what year what year did you quit there, Andrew?\n\nChannel 1: Oh, shoot. Let's forget now. Is that longer?\n\nChannel 0: So probably somewhere around the 2022, '23 mark or something?\n\nChannel 1: Oh, wouldn't quite get that far, but definitely a year, maybe two.\n\nChannel 0: So may 2024?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. And how's your health been? Otherwise, no unexpected hospital trips or anything, not seeing the doctor for anything?\n\nChannel 1: No.\n\nChannel 0: No medications currently?\n\nChannel 1: No.\n\nChannel 0: Yeah. Understandable. And have you got around to to setting up a a will at all at the the moment?\n\nChannel 1: No.\n\nChannel 0: Yep. Is that something you were looking to potentially do? Or\n\nChannel 1: Yeah. Yeah. But I got a room made up or something like that. Just yeah. Stuff like that.\n\nChannel 0: Yep. And do you have private health cover at the moment there, Andrew? No. It's fine. And this one's a bit of a random one too there, but you're not politically exposed, or you're not doing any sort of politics or have any family in politics?\n\nChannel 1: Not\n\nChannel 0: I don't know. It's a bit of an odd one there, but part of the the questions, it's mainly for sort of anti monitoring laws and things like that to make sure if we do have a political person on board.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. As far as your goals there, I know your main goal was to pay down your credit card debt there and then just obviously look towards having your super growing towards something for your retirement. And then after that, you're not too fast. You just wanna have enough to be able to sort of\n\nChannel 1: Sorry.\n\nChannel 0: retire and, you know, do a bit efficient and things like that. But is there anything else in the short term that you're sort of working towards? Is it mainly still paying down that credit card debt?\n\nChannel 1: That's it. That's no\n\nChannel 0: Yep. Not really focused on doing anything else at the moment.\n\nChannel 1: reason.\n\nChannel 0: Yep. And do you have, like, a budget planner that you use, Andrew, to\n\nChannel 1: Yeah.\n\nChannel 0: do you want a copy of Oakview's budget planner to be able to utilize to sort of pay towards your bills and budget out your your income a little bit?\n\nChannel 1: Because I use that to pay off my yeah.\n\nChannel 0: Well, this is a budget planner because obviously you're working casual there. It's like something that you can, you\n\nChannel 1: Yeah.\n\nChannel 0: know,\n\nChannel 1: No.\n\nChannel 0: roughly\n\nChannel 1: I don't\n\nChannel 0: see\n\nChannel 1: have to\n\nChannel 0: what you could\n\nChannel 1: no. I'll\n\nChannel 0: don't\n\nChannel 1: be fine.\n\nChannel 0: worry about it. Yeah. No. That's that's fine. As far as anything that I didn't mention, Andrew, do you think there's anything that you should sorta mention or anything I haven't talked about that you wanna\n\nChannel 1: Yeah.\n\nChannel 0: have a chat about there?\n\nChannel 1: I'll be fine. Thank you.\n\nChannel 0: Not a problem. What I'll quickly jump into there is just a quick risk profile questionnaire there to make sure that what we've got you invested in is what is still appropriate for yourself. So bear with me. I'll just bring up that. And as far as investing goes, you haven't invested any direct shares or anything since you last spoke with us at all there, have you, Andrew?\n\nChannel 1: No. No. No.\n\nChannel 0: Yep. And are you still planning on sort of working to that age of 67 so you can sort of potentially access part of the the pension? Or\n\nChannel 1: Yep.\n\nChannel 0: yep. And then with inflation, obviously, you know, it money keeps getting worth less day on day with sort of the cost of living that keeps going up. Are you still willing to accept that higher amount of risk to have your superannuation invested to try and grow it to have something in retirement?\n\nChannel 1: Yeah.\n\nChannel 0: And then six months after sort of investing, if you found out that your portfolio dropped by about 20% just with, like, even the war that's happening and everything in Ukraine and Iran. Would you sort of just hold and wait for that to improve? Would you look at sort of changing things or you sort of just be happy plotting along?\n\nChannel 1: I'll be happy to call you on Tuesday.\n\nChannel 0: Yeah. Not a problem. And then with things like COVID, that way you see, but did take a little bit of a hit. Did that make you, like, at all concerned or you weren't too fast with it at all?\n\nChannel 1: The Husband.\n\nChannel 0: Yep. Not a problem at all. And then in regards to borrowed money, I know so probably you're not looking at a property purchase anytime soon or probably in the the future, but would you ever put your money into to property if or borrow it for a house if\n\nChannel 1: No.\n\nChannel 0: circumstances are different? Wouldn't worry about it. Not a problem. That still brings you out to a growth investor there, Andrew. So that's about 8% growth assets, about 20% more defensive assets\n\nChannel 1: Yep.\n\nChannel 0: in terms of, like, growing your superannuation and having that money invested. Now within regards to your current superannuation fund there, there was an underlying investment. And, obviously, with the war, it hasn't been too crash hot. But in addition to that one, there was an underlying investment that you do whole call Benelung, which is a managed fund. Now within regards to that, it had an underlying asset that was done for not reporting correctly, which caused it to take a quite a significant drop.\n\nThat in conjunction with the the war and everything is quite caused it to take a bit of a backward step. Now the rest of your portfolio has somewhat propped up the returns for the year even with the the war. In Iran, after fees, it's around 5.72%. But with that one there, as a business decision, they are looking at moving away from Bennelong. Now with that there, obviously, Dana not too long ago updated your portfolio to your current one that you're in, which has been performing quite well up until, like, this year.\n\nWe\n\nChannel 1: Mhmm.\n\nChannel 0: can look at just doing a company record of advice to basically remove that bet along investment for you and change it to an alternative in the same market as far as, like, your diversification's concerned. It would,\n\nChannel 1: Ma'am.\n\nChannel 0: though, remove the active portion of your fund, and it would just be more index, which means it comes at a bit of a lower cost. You just wouldn't be able to outperform the market. You'd just be sort of tracking the market. But as a business, they obviously are looking at removing that and moving on from that if you were sort of wanting to move away from Bennelong as well within line with that.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Are you happy with it just being the Bennelong switch and maintaining the rest of your portfolio and just getting rid of that underperforming asset?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Do you have any questions or concerns in regards\n\nChannel 1: No.\n\nChannel 0: to that performance or anything else there?\n\nChannel 1: No.\n\nChannel 0: Yep. Yeah. Not a problem at all. And then as far as insurances, obviously, you don't have any insurances there currently, Andrew. Do you\n\nChannel 1: No.\n\nChannel 0: have any questions around that? Are you happy sort of still having no insurances?\n\nChannel 1: Yeah. I'm fine.\n\nChannel 0: Yeah. Not a problem at all. And in terms of anything else that you wanted to discuss there today, is there anything that I haven't touched on that you wanted to touch on at all?\n\nChannel 1: No. Thank you.\n\nChannel 0: No problem at all. So with that one there, Andrew, I did have these documents done up there for you. But what I'll do is I'll quickly get this and your review pack together for you, and then you'll be able to review that one when you do have a chance and be able to either stay on board for another twelve months if you are happy with everything. Or if you're not happy with everything, obviously, you can give us a callback up and have a discussion around anything that you do have any questions or concerns about. But within regards to those documents, it'll have the ongoing service agreement for one, and then it'll also have a tax file opt in form.\n\nJust in the event that sort of updated where we store your tax file number, that's just where your tax will now be sitting moving forward. As far as the fees for the next twelve months, it will still be the 1.65%. Now within regards to that one, based on your your current balance there, it'll just have the estimated fee, which is around $1,900 as far as, like, the managed funds under your account, as far as\n\nChannel 1: Mhmm.\n\nChannel 0: your ongoing service agreement. And then within regards to that, when you will have some attached documents there with the Vanguard chart to be able to view sort of how the markets have acted over, you know, a thirty year period, you'll have your performance report. You'll addition to that one. You'll also have the summary of just where your superannuation is at, your account number, and then you'll have the most up to date copy of the financial services guide and overview services guide just to be able to have a look at there. But\n\nChannel 1: Yep.\n\nChannel 0: do you have any questions in regards to those reports that are gonna be sending out to you at all? Not a problem. So I'll be sending those out to you there shortly, and then you can have a chance to review those and sign if you have to stay on board for another twelve months. But do you have any other questions today there in regards to anything at all, Andrew, or how things are traveling or the current markets? Or pretty happy with how things are ticking along?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Not a problem at all. And then in, like, future, if you did wanna have a discussion around potentially, you know, doing a budget and a budget planner and things like that, I know with casual work, you're a bit sort of it depends sort of how many days you do work and if you do, you get your five days or not.\n\nChannel 1: Yep.\n\nChannel 0: But if you do sort of maybe go to a bit more of a permanent part time position or a full time position,\n\nChannel 1: Yep.\n\nChannel 0: potentially setting up a budget to help you sort of pay down your credit card debt and budget for that and sort of look at, you know, doing things a little bit differently so you're able to pay that down a bit quicker.\n\nChannel 1: Yep.\n\nChannel 0: No problem. But if you don't have anything else for for me today there, Andrew, I'll get the team to organize that record of advice for you just based on the the company change there for Benelon. And then other than that, if you do have any questions or concerns or anything regards to any review packs sent out, you can always give us a call there as well.\n\nChannel 1: Thank you.\n\nChannel 0: No problem at all, Andrew. Thanks for your time. You enjoy the rest of your day. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":2.0,"end":2.32,"sentiment":"neutral","sentiment_score":0.1190238818526268},{"text":"You've come through to Kyle.","start":2.32,"end":3.36,"sentiment":"neutral","sentiment_score":0.18884344696998595},{"text":"How are you today?","start":3.36,"end":4.26,"sentiment":"neutral","sentiment_score":0.23108461126685143}],"sentiment":"neutral","sentiment_score":0.19875795617699624,"channel":0,"num_words":10,"start":2.0,"end":4.26},{"sentences":[{"text":"Good.","start":4.72,"end":4.96,"sentiment":"positive","sentiment_score":0.6549608111381531},{"text":"Thank you, Carl.","start":4.96,"end":5.8599997,"sentiment":"positive","sentiment_score":0.7230996092160543}],"sentiment":"positive","sentiment_score":0.706064909696579,"channel":1,"num_words":4,"start":4.72,"end":5.8599997},{"sentences":[{"text":"It's good to hear, Andrew.","start":6.3999996,"end":7.6,"sentiment":"positive","sentiment_score":0.8103450179100037},{"text":"I had you scheduled in for you and your review today.","start":7.6,"end":9.76,"sentiment":"positive","sentiment_score":0.47806453704833984},{"text":"Is now still a good time for you?","start":9.76,"end":11.38,"sentiment":"positive","sentiment_score":0.344771072268486}],"sentiment":"positive","sentiment_score":0.5028584823012352,"channel":0,"num_words":24,"start":6.3999996,"end":11.38},{"sentences":[{"text":"Yeah, mate.","start":11.5199995,"end":12.16,"sentiment":"neutral","sentiment_score":0.16210532188415527},{"text":"Yeah.","start":12.16,"end":12.32,"sentiment":"neutral","sentiment_score":0.16722792387008667},{"text":"We'll try and get it done if we can.","start":12.32,"end":14.179999,"sentiment":"neutral","sentiment_score":0.18802452749676174}],"sentiment":"neutral","sentiment_score":0.18197160959243774,"channel":1,"num_words":12,"start":11.5199995,"end":14.179999},{"sentences":[{"text":"Yeah.","start":14.815001,"end":15.215,"sentiment":"neutral","sentiment_score":0.11959590762853622},{"text":"Not a problem.","start":15.215,"end":16.095001,"sentiment":"neutral","sentiment_score":0.19542267421881357},{"text":"I'll try and make it as quick as possible for you, Andrew.","start":16.095001,"end":18.495,"sentiment":"neutral","sentiment_score":0.22659869492053986},{"text":"Have you got somewhere to be?","start":18.495,"end":19.795,"sentiment":"neutral","sentiment_score":0.02691249828785658}],"sentiment":"neutral","sentiment_score":0.1630237845026634,"channel":0,"num_words":22,"start":14.815001,"end":19.795},{"sentences":[{"text":"I'm actually at work.","start":20.525,"end":21.744999,"sentiment":"neutral","sentiment_score":-0.004655932541936636}],"sentiment":"neutral","sentiment_score":-0.004655932541936636,"channel":1,"num_words":4,"start":20.525,"end":21.744999},{"sentences":[{"text":"Okay.","start":22.494999,"end":22.975,"sentiment":"neutral","sentiment_score":0.06962728500366211},{"text":"Not a problem there, Andrew.","start":22.975,"end":23.935001,"sentiment":"neutral","sentiment_score":0.12747108042240143},{"text":"Well, I know you've been on board for a while there.","start":23.935001,"end":25.615,"sentiment":"neutral","sentiment_score":0.06613039564002644},{"text":"So what I'll do is I'll go through, update some details.","start":25.615,"end":28.26,"sentiment":"neutral","sentiment_score":0.13227857987989078},{"text":"I'll let you know sort of how everything's going.","start":28.26,"end":29.939999,"sentiment":"neutral","sentiment_score":0.2198173917002148}],"sentiment":"neutral","sentiment_score":0.13156318765234304,"channel":0,"num_words":37,"start":22.494999,"end":29.939999},{"sentences":[{"text":"And then from there, you can make a decision if you wanna update anything from there.","start":29.939999,"end":33.3,"sentiment":"neutral","sentiment_score":0.14739724807441235},{"text":"So what we'll do, Andrew, is just run through, and we'll update","start":33.3,"end":36.04,"sentiment":"neutral","sentiment_score":0.12363733972112338}],"sentiment":"neutral","sentiment_score":0.13721443020871707,"channel":0,"num_words":28,"start":29.939999,"end":36.04},{"sentences":[{"text":"Yes.","start":36.98,"end":37.48,"sentiment":"neutral","sentiment_score":0.10395662486553192}],"sentiment":"neutral","sentiment_score":0.10395662486553192,"channel":1,"num_words":1,"start":36.98,"end":37.48},{"sentences":[{"text":"all your details, make sure that's all up to date.","start":37.14,"end":39.14,"sentiment":"neutral","sentiment_score":0.15662105977535248},{"text":"So I've still got your email as AndrewJames0702@Gmail.com.","start":39.14,"end":45.115,"sentiment":"neutral","sentiment_score":0.0796660641208291},{"text":"Is that still correct?","start":45.115,"end":46.095,"sentiment":"neutral","sentiment_score":0.05759834311902523}],"sentiment":"neutral","sentiment_score":0.11063329469073903,"channel":0,"num_words":22,"start":37.14,"end":46.095},{"sentences":[{"text":"Correct,","start":46.335,"end":46.835,"sentiment":"neutral","sentiment_score":0.131346195936203}],"sentiment":"neutral","sentiment_score":0.131346195936203,"channel":1,"num_words":1,"start":46.335,"end":46.835},{"sentences":[{"text":"Perfect.","start":47.435,"end":47.835,"sentiment":"neutral","sentiment_score":0.22430621087551117},{"text":"I've got Rhonda as your negative Kin contact.","start":47.835,"end":49.915,"sentiment":"neutral","sentiment_score":-0.17065549921244383},{"text":"Is that still correct?","start":49.915,"end":50.975,"sentiment":"neutral","sentiment_score":-0.05006540007889271}],"sentiment":"neutral","sentiment_score":-0.10316918331843156,"channel":0,"num_words":13,"start":47.435,"end":50.975},{"sentences":[{"text":"ma'am.","start":50.574997,"end":50.975,"sentiment":"neutral","sentiment_score":-0.012822166085243223},{"text":"Yep.","start":50.975,"end":51.295,"sentiment":"neutral","sentiment_score":0.008118949830532074},{"text":"That's me, ma'am.","start":51.295,"end":51.934998,"sentiment":"neutral","sentiment_score":0.009845000381271044},{"text":"Yep.","start":51.934998,"end":52.434998,"sentiment":"neutral","sentiment_score":0.016978828236460686}],"sentiment":"neutral","sentiment_score":0.006968435520927112,"channel":1,"num_words":6,"start":50.574997,"end":52.434998},{"sentences":[{"text":"Yep.","start":52.49,"end":52.81,"sentiment":"neutral","sentiment_score":0.01335194893181324},{"text":"And I've got Alec as your only dependent, but he's, like, around 18 now.","start":52.81,"end":58.33,"sentiment":"neutral","sentiment_score":0.0011724517348089389},{"text":"Is that correct?","start":58.33,"end":59.07,"sentiment":"neutral","sentiment_score":0.014364924592276415}],"sentiment":"neutral","sentiment_score":0.004047835944220424,"channel":0,"num_words":18,"start":52.49,"end":59.07},{"sentences":[{"text":"Yeah, man.","start":59.41,"end":60.149998,"sentiment":"neutral","sentiment_score":0.004198065958917141}],"sentiment":"neutral","sentiment_score":0.004198065958917141,"channel":1,"num_words":2,"start":59.41,"end":60.149998},{"sentences":[{"text":"Are you supporting him financially?","start":60.33,"end":62.03,"sentiment":"neutral","sentiment_score":-0.01827133111655712}],"sentiment":"neutral","sentiment_score":-0.01827133111655712,"channel":0,"num_words":5,"start":60.33,"end":62.03},{"sentences":[{"text":"No.","start":62.85,"end":63.35,"sentiment":"neutral","sentiment_score":-0.126910001039505},{"text":"Not me, man.","start":63.489998,"end":64.47,"sentiment":"neutral","sentiment_score":-0.11439607044061025}],"sentiment":"neutral","sentiment_score":-0.11752455309033394,"channel":1,"num_words":4,"start":62.85,"end":64.47},{"sentences":[{"text":"Yep.","start":65.225,"end":65.545,"sentiment":"neutral","sentiment_score":-0.023864133283495903},{"text":"No.","start":65.545,"end":65.784996,"sentiment":"neutral","sentiment_score":-0.05719635635614395},{"text":"That's fine.","start":65.784996,"end":66.604996,"sentiment":"neutral","sentiment_score":-0.024896848015487194},{"text":"And do you have a current spouse at the moment there, Andrew?","start":67.145,"end":69.885,"sentiment":"neutral","sentiment_score":-0.02883789377907912}],"sentiment":"neutral","sentiment_score":-0.02980680693872273,"channel":0,"num_words":16,"start":65.225,"end":69.885},{"sentences":[{"text":"Do I have a car?","start":70.21,"end":71.19,"sentiment":"neutral","sentiment_score":-0.03400732651352882}],"sentiment":"neutral","sentiment_score":-0.03400732651352882,"channel":1,"num_words":5,"start":70.21,"end":71.19},{"sentences":[{"text":"Spouse, sorry, at the 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fine.","start":74.425,"end":75.165,"sentiment":"neutral","sentiment_score":-0.018909312319010496}],"sentiment":"neutral","sentiment_score":-0.03136927504092455,"channel":0,"num_words":5,"start":73.225,"end":75.165},{"sentences":[{"text":"No.","start":75.295,"end":75.534996,"sentiment":"neutral","sentiment_score":-0.04819070175290108},{"text":"I 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Street?","start":76.61,"end":79.19,"sentiment":"neutral","sentiment_score":-0.02652647835202515}],"sentiment":"neutral","sentiment_score":-0.02652647835202515,"channel":0,"num_words":8,"start":76.61,"end":79.19},{"sentences":[{"text":"You might.","start":79.695,"end":80.354996,"sentiment":"neutral","sentiment_score":-0.02773185819387436}],"sentiment":"neutral","sentiment_score":-0.02773185819387436,"channel":1,"num_words":2,"start":79.695,"end":80.354996},{"sentences":[{"text":"Yep.","start":80.770004,"end":81.090004,"sentiment":"neutral","sentiment_score":-0.007711025886237621},{"text":"And I know I know it's been a while since you last spoke to someone here, but are you currently employed, Andrew?","start":81.090004,"end":86.05,"sentiment":"neutral","sentiment_score":-0.04854700528085232},{"text":"I know you're looking for some work potentially in a kitchen 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to have your superannuation invested to try and grow it to have something in retirement?","start":516.055,"end":522.555,"sentiment":"neutral","sentiment_score":-0.17141041761407486}],"sentiment":"neutral","sentiment_score":-0.22449044490026104,"channel":0,"num_words":54,"start":506.92,"end":522.555},{"sentences":[{"text":"Yeah.","start":524.22504,"end":524.72504,"sentiment":"neutral","sentiment_score":-0.06993036717176437}],"sentiment":"neutral","sentiment_score":-0.06993036717176437,"channel":1,"num_words":1,"start":524.22504,"end":524.72504},{"sentences":[{"text":"And then six months after sort of investing, if you found out that your portfolio dropped by about 20% just with, like, even the war that's happening and everything in Ukraine and Iran.","start":527.59,"end":538.165,"sentiment":"neutral","sentiment_score":-0.21955558996308933},{"text":"Would you sort of just hold and wait for that to 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little bit of a hit.","start":549.745,"end":552.86,"sentiment":"neutral","sentiment_score":-0.22010866905513563},{"text":"Did that make you, like, at all concerned or you weren't too fast with it at all?","start":552.86,"end":556.72003,"sentiment":"neutral","sentiment_score":-0.31583911618765664}],"sentiment":"neutral","sentiment_score":-0.2269434272311628,"channel":0,"num_words":40,"start":547.58496,"end":556.72003},{"sentences":[{"text":"The Husband.","start":557.08496,"end":557.82495,"sentiment":"neutral","sentiment_score":-0.08047564700245857}],"sentiment":"neutral","sentiment_score":-0.08047564700245857,"channel":1,"num_words":2,"start":557.08496,"end":557.82495},{"sentences":[{"text":"Yep.","start":559.34,"end":559.66003,"sentiment":"neutral","sentiment_score":0.08644803613424301},{"text":"Not a problem at all.","start":559.66003,"end":560.8,"sentiment":"neutral","sentiment_score":0.14590754061937333},{"text":"And then in regards to borrowed money, I know so probably you're not looking at a property purchase anytime soon or probably in the the future, but would you ever put your money into to property if or borrow it for a house if","start":561.26,"end":572.115,"sentiment":"neutral","sentiment_score":-0.08030913588167592}],"sentiment":"neutral","sentiment_score":-0.05435232479125261,"channel":0,"num_words":50,"start":559.34,"end":572.115},{"sentences":[{"text":"No.","start":571.95,"end":572.45,"sentiment":"neutral","sentiment_score":-0.014313995838165283}],"sentiment":"neutral","sentiment_score":-0.014313995838165283,"channel":1,"num_words":1,"start":571.95,"end":572.45},{"sentences":[{"text":"circumstances are different?","start":572.115,"end":573.235,"sentiment":"neutral","sentiment_score":-0.037352378169695534},{"text":"Wouldn't worry about it.","start":573.235,"end":574.115,"sentiment":"neutral","sentiment_score":0.13157685287296772},{"text":"Not a problem.","start":574.115,"end":574.855,"sentiment":"positive","sentiment_score":0.3561112880706787},{"text":"That still brings you out to a growth investor there, Andrew.","start":575.875,"end":579.09,"sentiment":"positive","sentiment_score":0.437584560025822},{"text":"So that's about 8% growth assets, about 20% more defensive assets","start":579.09,"end":583.11,"sentiment":"neutral","sentiment_score":0.27516395259987225}],"sentiment":"neutral","sentiment_score":0.29133805562742054,"channel":0,"num_words":32,"start":572.115,"end":583.11},{"sentences":[{"text":"Yep.","start":583.755,"end":584.255,"sentiment":"neutral","sentiment_score":0.28868210315704346}],"sentiment":"neutral","sentiment_score":0.28868210315704346,"channel":1,"num_words":1,"start":583.755,"end":584.255},{"sentences":[{"text":"in terms of, like, growing your superannuation and having that money invested.","start":583.81,"end":587.11,"sentiment":"neutral","sentiment_score":0.32813449452320737},{"text":"Now within regards to your current superannuation fund there, there was an underlying investment.","start":587.49,"end":595.695,"sentiment":"neutral","sentiment_score":-0.08562990198177951},{"text":"And, obviously, with the war, it hasn't been too crash hot.","start":595.695,"end":598.515,"sentiment":"neutral","sentiment_score":-0.26874618367715314},{"text":"But in addition to that one, there was an underlying investment that you do whole call Benelung, which is a managed fund.","start":599.055,"end":604.35504,"sentiment":"neutral","sentiment_score":-0.11634870008988814},{"text":"Now within regards to that, it had an underlying asset that was done for not reporting correctly, which caused it to take a quite a significant drop.","start":604.495,"end":613.51996,"sentiment":"negative","sentiment_score":-0.3352055897315343}],"sentiment":"neutral","sentiment_score":-0.13753063998423343,"channel":0,"num_words":86,"start":583.81,"end":613.51996},{"sentences":[{"text":"That in conjunction with the the war and everything is quite caused it to take a bit of a backward step.","start":613.66,"end":618.38,"sentiment":"negative","sentiment_score":-0.4786853619984218},{"text":"Now the rest of your portfolio has somewhat propped up the returns for the year even with the the war.","start":618.38,"end":624.01495,"sentiment":"neutral","sentiment_score":-0.06622300297021866},{"text":"In Iran, after fees, it's around 5.72%.","start":624.01495,"end":627.235,"sentiment":"neutral","sentiment_score":-0.0939813501068524},{"text":"But with that one there, as a business decision, they are looking at moving away from Bennelong.","start":628.175,"end":635.44,"sentiment":"neutral","sentiment_score":-0.228529394549482},{"text":"Now with that there, obviously, Dana not too long ago updated your portfolio to your current one that you're in, which has been performing quite well up until, like, this year.","start":635.89996,"end":646.845,"sentiment":"neutral","sentiment_score":-0.023202104193549}],"sentiment":"neutral","sentiment_score":-0.17332278176521262,"channel":0,"num_words":96,"start":613.66,"end":646.845},{"sentences":[{"text":"We","start":647.32495,"end":647.485,"sentiment":"neutral","sentiment_score":-0.061255134642124176}],"sentiment":"neutral","sentiment_score":-0.061255134642124176,"channel":0,"num_words":1,"start":647.32495,"end":647.485},{"sentences":[{"text":"Mhmm.","start":647.475,"end":647.975,"sentiment":"neutral","sentiment_score":-0.054539620876312256}],"sentiment":"neutral","sentiment_score":-0.054539620876312256,"channel":1,"num_words":1,"start":647.475,"end":647.975},{"sentences":[{"text":"can look at just doing a company record of advice to basically remove that bet along investment for you and change it to an alternative in the same market as far as, like, your diversification's concerned.","start":647.485,"end":660.46497,"sentiment":"neutral","sentiment_score":-0.10123826330527663},{"text":"It would,","start":660.845,"end":661.32495,"sentiment":"neutral","sentiment_score":-0.012568553909659386}],"sentiment":"neutral","sentiment_score":-0.09657143649498098,"channel":0,"num_words":38,"start":647.485,"end":661.32495},{"sentences":[{"text":"Ma'am.","start":661.11,"end":661.61,"sentiment":"neutral","sentiment_score":0.0280778631567955}],"sentiment":"neutral","sentiment_score":0.0280778631567955,"channel":1,"num_words":1,"start":661.11,"end":661.61},{"sentences":[{"text":"though, remove the active portion of your fund, and it would just be more index, which means it comes at a bit of a lower cost.","start":661.32495,"end":666.68,"sentiment":"neutral","sentiment_score":-0.024858553105821975},{"text":"You just wouldn't be able to outperform the market.","start":666.68,"end":668.36,"sentiment":"neutral","sentiment_score":-0.23351971929272017},{"text":"You'd just be sort of tracking the market.","start":668.36,"end":670.06,"sentiment":"neutral","sentiment_score":-0.09407625254243612},{"text":"But as a business, they obviously are looking at removing that and moving on from that if you were sort of wanting to move away from Bennelong as well within line with that.","start":671.0,"end":679.195,"sentiment":"neutral","sentiment_score":-0.1170776505587679}],"sentiment":"neutral","sentiment_score":-0.09689700451532476,"channel":0,"num_words":76,"start":661.32495,"end":679.195},{"sentences":[{"text":"Yes.","start":679.66003,"end":680.16003,"sentiment":"neutral","sentiment_score":0.2628808617591858}],"sentiment":"neutral","sentiment_score":0.2628808617591858,"channel":1,"num_words":1,"start":679.66003,"end":680.16003},{"sentences":[{"text":"Yep.","start":681.735,"end":682.055,"sentiment":"positive","sentiment_score":0.33473119139671326},{"text":"Are you happy with it just being the Bennelong switch and maintaining the rest of your portfolio and just getting rid of that underperforming asset?","start":682.055,"end":688.315,"sentiment":"positive","sentiment_score":0.4722653806209564}],"sentiment":"positive","sentiment_score":0.4669756041123317,"channel":0,"num_words":26,"start":681.735,"end":688.315},{"sentences":[{"text":"Yes.","start":688.78,"end":689.28,"sentiment":"neutral","sentiment_score":0.15102137625217438}],"sentiment":"neutral","sentiment_score":0.15102137625217438,"channel":1,"num_words":1,"start":688.78,"end":689.28},{"sentences":[{"text":"Yep.","start":690.43,"end":690.91,"sentiment":"neutral","sentiment_score":0.09705474227666856},{"text":"Do you have any questions or concerns in regards","start":690.91,"end":693.31,"sentiment":"neutral","sentiment_score":0.010761674493551254}],"sentiment":"neutral","sentiment_score":0.019390981271862985,"channel":0,"num_words":10,"start":690.43,"end":693.31},{"sentences":[{"text":"No.","start":693.135,"end":693.635,"sentiment":"neutral","sentiment_score":-0.06349711865186691}],"sentiment":"neutral","sentiment_score":-0.06349711865186691,"channel":1,"num_words":1,"start":693.135,"end":693.635},{"sentences":[{"text":"to that performance or anything else there?","start":693.31,"end":695.17,"sentiment":"neutral","sentiment_score":-0.04723028200013297}],"sentiment":"neutral","sentiment_score":-0.04723028200013297,"channel":0,"num_words":7,"start":693.31,"end":695.17},{"sentences":[{"text":"No.","start":695.29504,"end":695.79504,"sentiment":"neutral","sentiment_score":0.06362451612949371}],"sentiment":"neutral","sentiment_score":0.06362451612949371,"channel":1,"num_words":1,"start":695.29504,"end":695.79504},{"sentences":[{"text":"Yep.","start":695.63,"end":696.13,"sentiment":"neutral","sentiment_score":0.0895346999168396},{"text":"Yeah.","start":696.67,"end":696.99,"sentiment":"neutral","sentiment_score":0.13854750990867615},{"text":"Not a problem at all.","start":696.99,"end":698.29,"sentiment":"neutral","sentiment_score":0.24634890556335448},{"text":"And then as far as insurances, obviously, you don't have any insurances there currently, Andrew.","start":699.06995,"end":703.415,"sentiment":"neutral","sentiment_score":-0.007802443827191989},{"text":"Do you","start":703.415,"end":703.57495,"sentiment":"neutral","sentiment_score":-0.013202866539359093}],"sentiment":"neutral","sentiment_score":0.05484934779815376,"channel":0,"num_words":24,"start":695.63,"end":703.57495},{"sentences":[{"text":"No.","start":703.53503,"end":704.03503,"sentiment":"neutral","sentiment_score":-0.05434350296854973}],"sentiment":"neutral","sentiment_score":-0.05434350296854973,"channel":1,"num_words":1,"start":703.53503,"end":704.03503},{"sentences":[{"text":"have any questions around that?","start":703.57495,"end":704.695,"sentiment":"neutral","sentiment_score":-0.08455272316932679},{"text":"Are you happy sort of still having no insurances?","start":704.695,"end":707.035,"sentiment":"neutral","sentiment_score":-0.07546733676766355}],"sentiment":"neutral","sentiment_score":-0.07871211762540042,"channel":0,"num_words":14,"start":703.57495,"end":707.035},{"sentences":[{"text":"Yeah.","start":707.91003,"end":708.07,"sentiment":"neutral","sentiment_score":0.16851310431957245},{"text":"I'm fine.","start":708.07,"end":708.73004,"sentiment":"neutral","sentiment_score":0.28016363084316254}],"sentiment":"neutral","sentiment_score":0.2429467886686325,"channel":1,"num_words":3,"start":707.91003,"end":708.73004},{"sentences":[{"text":"Yeah.","start":709.57495,"end":709.975,"sentiment":"neutral","sentiment_score":0.22865846753120425},{"text":"Not a problem at all.","start":709.975,"end":711.355,"sentiment":"neutral","sentiment_score":0.27153254151344297},{"text":"And in terms of anything else that you wanted to discuss there today, is there anything that I haven't touched on that you wanted to touch on at all?","start":711.65497,"end":717.6,"sentiment":"neutral","sentiment_score":0.08614428290005388}],"sentiment":"neutral","sentiment_score":0.11670015369142805,"channel":0,"num_words":35,"start":709.57495,"end":717.6},{"sentences":[{"text":"No.","start":718.07,"end":718.23004,"sentiment":"neutral","sentiment_score":0.19777916371822357},{"text":"Thank you.","start":718.23004,"end":718.965,"sentiment":"positive","sentiment_score":0.3357822448015213}],"sentiment":"neutral","sentiment_score":0.2897812177737554,"channel":1,"num_words":3,"start":718.07,"end":718.965},{"sentences":[{"text":"No problem at all.","start":720.16,"end":721.04,"sentiment":"neutral","sentiment_score":0.2729560434818268},{"text":"So with that one there, Andrew, I did have these documents done up there for you.","start":721.04,"end":726.56,"sentiment":"neutral","sentiment_score":0.3013495858758688},{"text":"But what I'll do is I'll quickly get this and your review pack together for you, and then you'll be able to review that one when you do have a chance and be able to either stay on board for another twelve months if you are happy with everything.","start":726.56,"end":740.495,"sentiment":"neutral","sentiment_score":0.3173213543332353},{"text":"Or if you're not happy with everything, obviously, you can give us a callback up and have a discussion around anything that you do have any questions or concerns about.","start":740.495,"end":747.45996,"sentiment":"neutral","sentiment_score":0.15486372175316016},{"text":"But within regards to those documents, it'll have the ongoing service agreement for one, and then it'll also have a tax file opt in form.","start":747.45996,"end":755.87994,"sentiment":"neutral","sentiment_score":0.20284711956977844}],"sentiment":"neutral","sentiment_score":0.25144559316216936,"channel":0,"num_words":124,"start":720.16,"end":755.87994},{"sentences":[{"text":"Just in the event that sort of updated where we store your tax file number, that's just where your tax will now be sitting moving forward.","start":756.89996,"end":763.155,"sentiment":"neutral","sentiment_score":0.2535260726626103},{"text":"As far as the fees for the next twelve months, it will still be the 1.65%.","start":763.375,"end":767.715,"sentiment":"neutral","sentiment_score":0.031090320320799947},{"text":"Now within regards to that one, based on your your current balance there, it'll just have the estimated fee, which is around $1,900 as far as, like, the managed funds under your account, as far as","start":768.015,"end":779.69995,"sentiment":"neutral","sentiment_score":0.0900668271092905}],"sentiment":"neutral","sentiment_score":0.13245549731147596,"channel":0,"num_words":78,"start":756.89996,"end":779.69995},{"sentences":[{"text":"Mhmm.","start":779.695,"end":780.195,"sentiment":"neutral","sentiment_score":0.08545157313346863}],"sentiment":"neutral","sentiment_score":0.08545157313346863,"channel":1,"num_words":1,"start":779.695,"end":780.195},{"sentences":[{"text":"your ongoing service agreement.","start":779.69995,"end":781.16,"sentiment":"neutral","sentiment_score":0.11296051181852818},{"text":"And then within regards to that, when you will have some attached documents there with the Vanguard chart to be able to view sort of how the markets have acted over, you know, a thirty year period, you'll have your performance report.","start":781.3,"end":792.485,"sentiment":"neutral","sentiment_score":0.19518042497691654},{"text":"You'll addition to that one.","start":793.025,"end":794.22504,"sentiment":"neutral","sentiment_score":0.18672230541706086},{"text":"You'll also have the summary of just where your superannuation is at, your account number, and then you'll have the most up to date copy of the financial services guide and overview services guide just to be able to have a look at there.","start":794.22504,"end":804.63,"sentiment":"neutral","sentiment_score":0.20092111080884933},{"text":"But","start":805.17,"end":805.57,"sentiment":"neutral","sentiment_score":0.12287001311779022}],"sentiment":"neutral","sentiment_score":0.19319198241767785,"channel":0,"num_words":96,"start":779.69995,"end":805.57},{"sentences":[{"text":"Yep.","start":805.52,"end":806.02,"sentiment":"neutral","sentiment_score":0.15849867463111875}],"sentiment":"neutral","sentiment_score":0.15849867463111875,"channel":1,"num_words":1,"start":805.52,"end":806.02},{"sentences":[{"text":"do you have any questions in regards to those reports that are gonna be sending out to you at all?","start":805.57,"end":810.31,"sentiment":"neutral","sentiment_score":0.10702683739364147},{"text":"Not a problem.","start":812.385,"end":813.445,"sentiment":"positive","sentiment_score":0.4720768133799235},{"text":"So I'll be sending those out to you there shortly, and then you can have a chance to review those and sign if you have to stay on board for another twelve months.","start":815.505,"end":823.265,"sentiment":"positive","sentiment_score":0.43301369927146216},{"text":"But do you have any other questions today there in regards to anything at all, Andrew, or how things are traveling or the current markets?","start":823.265,"end":829.65,"sentiment":"neutral","sentiment_score":0.20064672231674194},{"text":"Or pretty happy with how things are ticking along?","start":829.95,"end":834.13,"sentiment":"positive","sentiment_score":0.5096694032351176}],"sentiment":"neutral","sentiment_score":0.3049934661222829,"channel":0,"num_words":90,"start":805.57,"end":834.13},{"sentences":[{"text":"Yep.","start":834.31,"end":834.81,"sentiment":"neutral","sentiment_score":0.20327764749526975},{"text":"Yep.","start":835.11,"end":835.61,"sentiment":"neutral","sentiment_score":0.1989344358444214}],"sentiment":"neutral","sentiment_score":0.20110604166984558,"channel":1,"num_words":2,"start":834.31,"end":835.61},{"sentences":[{"text":"Yep.","start":837.07,"end":837.39,"sentiment":"neutral","sentiment_score":0.29252833127975464},{"text":"Not a problem at all.","start":837.39,"end":838.69,"sentiment":"positive","sentiment_score":0.4217914879322052},{"text":"And then in, like, future, if you did wanna have a discussion around potentially, you know, doing a budget and a budget planner and things like that, I know with casual work, you're a bit sort of it depends sort of how many days you do work and if you do, you get your five days or not.","start":839.465,"end":852.87,"sentiment":"neutral","sentiment_score":0.09263042810148206}],"sentiment":"neutral","sentiment_score":0.12146954063791782,"channel":0,"num_words":64,"start":837.07,"end":852.87},{"sentences":[{"text":"Yep.","start":853.46,"end":853.96,"sentiment":"neutral","sentiment_score":0.1302274912595749}],"sentiment":"neutral","sentiment_score":0.1302274912595749,"channel":1,"num_words":1,"start":853.46,"end":853.96},{"sentences":[{"text":"But if you do sort of maybe go to a bit more of a permanent part time position or a full time position,","start":853.58997,"end":858.81,"sentiment":"neutral","sentiment_score":0.06427639949580898}],"sentiment":"neutral","sentiment_score":0.06427639949580898,"channel":0,"num_words":23,"start":853.58997,"end":858.81},{"sentences":[{"text":"Yep.","start":858.58,"end":859.08,"sentiment":"neutral","sentiment_score":-0.05433793365955353}],"sentiment":"neutral","sentiment_score":-0.05433793365955353,"channel":1,"num_words":1,"start":858.58,"end":859.08},{"sentences":[{"text":"potentially setting up a budget to help you sort of pay down your credit card debt and budget for that and sort of look at, you know, doing things a little bit differently so you're able to pay that down a bit quicker.","start":859.02997,"end":868.73,"sentiment":"neutral","sentiment_score":0.20345988159262857}],"sentiment":"neutral","sentiment_score":0.20345988159262857,"channel":0,"num_words":43,"start":859.02997,"end":868.73},{"sentences":[{"text":"Yep.","start":869.365,"end":869.865,"sentiment":"neutral","sentiment_score":0.2479332685470581}],"sentiment":"neutral","sentiment_score":0.2479332685470581,"channel":1,"num_words":1,"start":869.365,"end":869.865},{"sentences":[{"text":"No problem.","start":870.755,"end":871.555,"sentiment":"positive","sentiment_score":0.3811570107936859},{"text":"But if you don't have anything else for for me today there, Andrew, I'll get the team to organize that record of advice for you just based on the the company change there for Benelon.","start":871.555,"end":881.495,"sentiment":"neutral","sentiment_score":0.2758112309234483},{"text":"And then other than that, if you do have any questions or concerns or anything regards to any review packs sent out, you can always give us a call there as well.","start":881.81,"end":887.99,"sentiment":"neutral","sentiment_score":0.20875333133153617}],"sentiment":"neutral","sentiment_score":0.24776541603648145,"channel":0,"num_words":69,"start":870.755,"end":887.99},{"sentences":[{"text":"Thank you.","start":888.10004,"end":888.92,"sentiment":"positive","sentiment_score":0.6835289299488068}],"sentiment":"positive","sentiment_score":0.6835289299488068,"channel":1,"num_words":2,"start":888.10004,"end":888.92},{"sentences":[{"text":"No problem at all, Andrew.","start":889.17,"end":890.20996,"sentiment":"positive","sentiment_score":0.6424075722694397},{"text":"Thanks for your time.","start":890.20996,"end":890.76996,"sentiment":"positive","sentiment_score":0.8246137499809265},{"text":"You enjoy the rest of your day.","start":890.76996,"end":892.23,"sentiment":"positive","sentiment_score":0.8234362517084394},{"text":"Bye.","start":893.64996,"end":894.14996,"sentiment":"neutral","sentiment_score":-0.11227837204933168}],"sentiment":"positive","sentiment_score":0.715427544187097,"channel":0,"num_words":17,"start":889.17,"end":894.14996}]},"summary":{"result":"success","short":"The agent, Kyle, updates Andrew's employment history, including his previous work in a kitchen and current work with a council. They discuss Andrew's credit card debt, income, assets, liabilities, and health and retirement plans. The agent asks about the customer's work experience, including their retirement plans and use of a budget planner. They also discuss the customer's risk profile and investment strategy, and advises them to remove an underlying investment and switch to an alternative market. The agent suggests budgeting and budget planning for the customer's future job and offers to provide ongoing service agreements and tax file information."},"intents":{"segments":[{"text":"I had you scheduled in for you and your review today. Is now still a good time for you? Yeah, mate.","start_word":19,"end_word":39,"intents":[{"intent":"Schedule review","confidence_score":0.47917855}]},{"text":"Well, I know you've been on board for a while there. So what I'll do is I'll go through, update some details. I'll let you know sort of how everything's going. And then from there, you can make a decision if you wanna update anything from there.","start_word":82,"end_word":128,"intents":[{"intent":"Make decision","confidence_score":0.3479618}]},{"text":"all your details, make sure that's all up to date.","start_word":142,"end_word":151,"intents":[{"intent":"Update details","confidence_score":0.80199367}]},{"text":"And do you have a current spouse at the moment there, Andrew? Do I have a car?","start_word":217,"end_word":233,"intents":[{"intent":"Evaluate current spouse","confidence_score":0.0007832622}]},{"text":"And do you know roughly what you're spending versus what you're saving a week there, Andrew?","start_word":638,"end_word":653,"intents":[{"intent":"Determine spending balance","confidence_score":0.00011981858}]},{"text":"And have you got around to to setting up a a will at all at the the moment?","start_word":935,"end_word":952,"intents":[{"intent":"Set up a will","confidence_score":0.88614887},{"intent":"Set up a will","confidence_score":0.0058290823}]},{"text":"And do you have private health cover at the moment there, Andrew?","start_word":983,"end_word":994,"intents":[{"intent":"Get private health coverage","confidence_score":0.023744965}]},{"text":"It's a bit of an odd one there, but part of the the questions, it's mainly for sort of anti monitoring laws and things like that to make sure if we do have a political person on board.","start_word":1032,"end_word":1069,"intents":[{"intent":"Get a political person on board","confidence_score":0.006580417}]},{"text":"As far as your goals there, I know your main goal was to pay down your credit card debt there and then just obviously look towards having your super growing towards something for your retirement.","start_word":1072,"end_word":1106,"intents":[{"intent":"Pay debt","confidence_score":0.09955999},{"intent":"Develop retirement goals","confidence_score":0.03341596}]},{"text":"And do you have, like, a budget planner that you use, Andrew, to Yeah.","start_word":1181,"end_word":1194,"intents":[{"intent":"Use budget planner","confidence_score":0.6305592}]},{"text":"do you want a copy of Oakview's budget planner to be able to utilize to sort of pay towards your bills and budget out your your income a little bit?","start_word":1195,"end_word":1224,"intents":[{"intent":"Pay bills","confidence_score":0.32919085}]},{"text":"That still brings you out to a growth investor there, Andrew. So that's about 8% growth assets, about 20% more defensive assets Yep.","start_word":1646,"end_word":1668,"intents":[{"intent":"Maintaining growth","confidence_score":0.005705155},{"intent":"Increasing investment","confidence_score":0.05638312}]},{"text":"Now with that there, obviously, Dana not too long ago updated your portfolio to your current one that you're in, which has been performing quite well up until, like, this year.","start_word":1820,"end_word":1850,"intents":[{"intent":"Changing portfolio","confidence_score":0.062053807}]},{"text":"can look at just doing a company record of advice to basically remove that bet along investment for you and change it to an alternative in the same market as far as, like, your diversification's concerned. It would, Ma'am.","start_word":1853,"end_word":1891,"intents":[{"intent":"Removing investment","confidence_score":0.016750265}]},{"text":"can look at just doing a company record of advice to basically remove that bet along investment for you and change it to an alternative in the same market as far as, like, your diversification's concerned. It would, Ma'am. though, remove the active portion of your fund, and it would just be more index, which means it comes at a bit of a lower cost. You just wouldn't be able to outperform the market.","start_word":1853,"end_word":1926,"intents":[{"intent":"Assessing market performance","confidence_score":0.008479605}]},{"text":"You'd just be sort of tracking the market. But as a business, they obviously are looking at removing that and moving on from that if you were sort of wanting to move away from Bennelong as well within line with that. Yes. Yep.","start_word":1928,"end_word":1970,"intents":[{"intent":"Track market","confidence_score":0.08671391}]},{"text":"Are you happy with it just being the Bennelong switch and maintaining the rest of your portfolio and just getting rid of that underperforming asset? Yes.","start_word":1970,"end_word":1995,"intents":[{"intent":"Manage portfolio","confidence_score":0.014640517}]},{"text":"And then as far as insurances, obviously, you don't have any insurances there currently, Andrew. Do you No. have any questions around that? Are you happy sort of still having no insurances? Yeah.","start_word":2022,"end_word":2054,"intents":[{"intent":"Discuss insurances","confidence_score":0.859635}]},{"text":"Just in the event that sort of updated where we store your tax file number, that's just where your tax will now be sitting moving forward.","start_word":2219,"end_word":2244,"intents":[{"intent":"Update tax file number","confidence_score":0.16945189}]},{"text":"As far as the fees for the next twelve months, it will still be the 1.65%.","start_word":2245,"end_word":2260,"intents":[{"intent":"Discuss fees","confidence_score":0.19739862}]},{"text":"So I'll be sending those out to you there shortly, and then you can have a chance to review those and sign if you have to stay on board for another twelve months. But do you have any other questions today there in regards to anything at all, Andrew, or how things are traveling or the current markets? Or pretty happy with how things are ticking along? Yep.","start_word":2418,"end_word":2485,"intents":[{"intent":"Explore options","confidence_score":0.00095893815}]}]},"sentiments":{"segments":[{"text":"Hello. You've come through to Kyle. How are you today?","start_word":0,"end_word":9,"sentiment":"neutral","sentiment_score":0.19768249988555908},{"text":"Good. Thank you, Carl. It's good to hear, Andrew. I had you scheduled in for you and your review today. Is now still a good time for you?","start_word":10,"end_word":37,"sentiment":"positive","sentiment_score":0.5555146336555481},{"text":"Yeah, mate. Yeah. We'll try and get it done if we can. Yeah. Not a problem. I'll try and make it as quick as possible for you, Andrew. Have you got somewhere to be? I'm actually at work. Okay. Not a problem there, Andrew. Well, I know you've been on board for a while there. So what I'll do is I'll go through, update some details. I'll let you know sort of how everything's going. And then from there, you can make a decision if you wanna update anything from there. So what we'll do, Andrew, is just run through, and we'll update Yes. all your details, make sure that's all up to date. So I've still got your email as AndrewJames0702@Gmail.com. Is that still correct? Correct, Perfect. I've got Rhonda as your negative Kin contact. Is that still correct? ma'am. Yep. That's me, ma'am. Yep. Yep. And I've got Alec as your only dependent, but he's, like, around 18 now. Is that correct? Yeah, man. Are you supporting him financially? No. Not me, man. Yep. No. That's fine. And do you have a current spouse at the moment there, Andrew? Do I have a car? Spouse, sorry, at the moment. No. Local None. partner. Yeah. No. That's fine. No. I thought But that. still living at 2 Dash 5 Kenworth Street? You might. Yep. And I know I know it's been a while since you last spoke to someone here, but are you currently employed, Andrew? I know you're looking for some work potentially in a kitchen or No. Not the kitchen. But, yeah, I'm actually employed with the council. Shit. Yeah.","start_word":38,"end_word":310,"sentiment":"neutral","sentiment_score":0.04083175425018583},{"text":"It's not it's not a good grab to go.","start_word":311,"end_word":319,"sentiment":"negative","sentiment_score":-0.4267559945583343},{"text":"Yep. Gravedigger? Yep. And then within regards to that occupation, obviously, a lot of just digging holes, but anything else that goes with that, like, in general day to day duties? Zip stripping. So Mowing general and tiding general the yard. maintenance around Yeah. the Yeah. Exactly. yeah.","start_word":320,"end_word":367,"sentiment":"neutral","sentiment_score":0.020022589713335037},{"text":"Perfect.","start_word":368,"end_word":368,"sentiment":"positive","sentiment_score":0.42516928911209106},{"text":"And then how long have you been doing that for now? Month and a half. Yep. And then prior to that, I know at one point you were a call sampler, but what were you doing prior to to this job there, Andrew? The call sampling. That's what were you that's what you were doing previously, or is No. it No. been a I while was since I you've was had doing parks and gardens in the car here. Yeah. It's cool parks and gardens for the council, and then it's pretty much the same thing, except we weren't digging holes. Yep. And how much landscaping experience do you have at the moment there, Andrew? Yeah. Heaps. I believe yeah. I did Couple with years the doing the that parts work and now? guide. Yeah. Yep. Perfect. And then with your employer, they cancel, like, you've moved on from Yep. parts and guns to be fully employed by the council. Yep. Not a problem. And then do you work with any hazardous materials apart from, like, some equipment to dig the holes? Yeah. Not a problem. And how many hours a week are you scheduled to do? Nine. Are you full time work there? Yeah. No. I'm casual. Eight hour days or just eight hours a week? Right there. Nice. Yep. And do you generally just work five days a week? Yep. Yep. Casual. And do you know roughly what you're sort of on annually if you sort of do your regular casual hours? Do you know roughly what you're on an hour? Or Thirty five. not a problem. And do you know roughly what you're spending versus what you're saving a week there, Andrew? Not too sure at the moment with your budget. No. I guess it means that I know we got a job tomorrow. Being Yep. casual? No. Understandable. And then as far as the super contributions, do you just get your general 12% on the the hours that you work? Yes. Yep. And within regards to assets and liability there, Andrew, I had you had the car worth around 10,000. Do you still have that car? Yeah, mate. Yep. And I know you had a little bit of credit card debt you were trying to pay down the last time you spoke to us. Have you managed to pay some of that down? No. Do you know roughly what it's sitting at at the moment? About 5 and a half. Yep. And do you have any sort of rainy day savings fund at the at the moment, or is that all Nine. sort of going towards paying that debt? Yep. Yep. And do you have any other assets I didn't mention at all there today, Andrew? No problem. And so have you answered this No. previously at all, Andrew? Have you ever declared bankruptcy or a part nine debt agreement? Yep. And you're still smoking? You quit? No. No. Okay. Perfect. And what year what year did you quit there, Andrew? Oh, shoot. Let's forget now. Is that longer? So probably somewhere around the 2022, '23 mark or something? Oh, wouldn't quite get that far, but definitely a year, maybe two. So may 2024? Yeah. Yep. And how's your health been? Otherwise, no unexpected hospital trips or anything, not seeing the doctor for anything? No. No medications currently? No. Yeah. Understandable. And have you got around to to setting up a a will at all at the the moment? No. Yep. Is that something you were looking to potentially do? Or Yeah. Yeah. But I got a room made up or something like that. Just yeah. Stuff like that. Yep. And do you have private health cover at the moment there, Andrew? No. It's fine. And this one's a bit of a random one too there, but you're not politically exposed, or you're not doing any sort of politics or have any family in politics? Not I don't know. It's a bit of an odd one there, but part of the the questions, it's mainly for sort of anti monitoring laws and things like that to make sure if we do have a political person on board. Yep. Yeah. As far as your goals there, I know your main goal was to pay down your credit card debt there and then just obviously look towards having your super growing towards something for your retirement. And then after that, you're not too fast. You just wanna have enough to be able to sort of Sorry. retire and, you know, do a bit efficient and things like that. But is there anything else in the short term that you're sort of working towards? Is it mainly still paying down that credit card debt? That's it. That's no Yep.","start_word":369,"end_word":1168,"sentiment":"neutral","sentiment_score":-0.00574109090026468},{"text":"Not really focused on doing anything else at the moment.","start_word":1169,"end_word":1178,"sentiment":"negative","sentiment_score":-0.34079641103744507},{"text":"reason. Yep. And do you have, like, a budget planner that you use, Andrew, to Yeah. do you want a copy of Oakview's budget planner to be able to utilize to sort of pay towards your bills and budget out your your income a little bit? Because I use that to pay off my yeah. Well, this is a budget planner because obviously you're working casual there. It's like something that you can, you Yeah. know, No. roughly I don't see have to what you could no.","start_word":1179,"end_word":1265,"sentiment":"neutral","sentiment_score":0.012558814138174055},{"text":"I'll don't be fine.","start_word":1266,"end_word":1269,"sentiment":"negative","sentiment_score":-0.3594987094402313},{"text":"worry about it. Yeah. No.","start_word":1270,"end_word":1274,"sentiment":"neutral","sentiment_score":-0.16977611184120178},{"text":"That's that's fine.","start_word":1275,"end_word":1277,"sentiment":"positive","sentiment_score":0.5230518579483032},{"text":"As far as anything that I didn't mention, Andrew, do you think there's anything that you should sorta mention or anything I haven't talked about that you wanna Yeah. have a chat about there?","start_word":1278,"end_word":1311,"sentiment":"neutral","sentiment_score":-0.011902986094355583},{"text":"I'll be fine. Thank you. Not a problem.","start_word":1312,"end_word":1319,"sentiment":"positive","sentiment_score":0.4197787046432495},{"text":"What I'll quickly jump into there is just a quick risk profile questionnaire there to make sure that what we've got you invested in is what is still appropriate for yourself. So bear with me. I'll just bring up that. And as far as investing goes, you haven't invested any direct shares or anything since you last spoke with us at all there, have you, Andrew? No. No. No. Yep. And are you still planning on sort of working to that age of 67 so you can sort of potentially access part of the the pension? Or Yep. yep. And then with inflation, obviously, you know, it money keeps getting worth less day on day with sort of the cost of living that keeps going up. Are you still willing to accept that higher amount of risk to have your superannuation invested to try and grow it to have something in retirement? Yeah. And then six months after sort of investing, if you found out that your portfolio dropped by about 20% just with, like, even the war that's happening and everything in Ukraine and Iran. Would you sort of just hold and wait for that to improve? Would you look at sort of changing things or you sort of just be happy plotting along?","start_word":1320,"end_word":1534,"sentiment":"neutral","sentiment_score":-0.08258162438869476},{"text":"I'll be happy to call you on Tuesday.","start_word":1535,"end_word":1542,"sentiment":"positive","sentiment_score":0.46582648158073425},{"text":"Yeah. Not a problem. And then with things like COVID, that way you see, but did take a little bit of a hit. Did that make you, like, at all concerned or you weren't too fast with it at all? The Husband. Yep. Not a problem at all. And then in regards to borrowed money, I know so probably you're not looking at a property purchase anytime soon or probably in the the future, but would you ever put your money into to property if or borrow it for a house if No. circumstances are different? Wouldn't worry about it.","start_word":1543,"end_word":1642,"sentiment":"neutral","sentiment_score":-0.09838137671351432},{"text":"Not a problem. That still brings you out to a growth investor there, Andrew.","start_word":1643,"end_word":1656,"sentiment":"positive","sentiment_score":0.4194694459438324},{"text":"So that's about 8% growth assets, about 20% more defensive assets Yep. in terms of, like, growing your superannuation and having that money invested. Now within regards to your current superannuation fund there, there was an underlying investment. And, obviously, with the war, it hasn't been too crash hot. But in addition to that one, there was an underlying investment that you do whole call Benelung, which is a managed fund.","start_word":1657,"end_word":1727,"sentiment":"neutral","sentiment_score":0.01357399858534336},{"text":"Now within regards to that, it had an underlying asset that was done for not reporting correctly, which caused it to take a quite a significant drop. That in conjunction with the the war and everything is quite caused it to take a bit of a backward step.","start_word":1728,"end_word":1775,"sentiment":"negative","sentiment_score":-0.40009942650794983},{"text":"Now the rest of your portfolio has somewhat propped up the returns for the year even with the the war. In Iran, after fees, it's around 5.72%. But with that one there, as a business decision, they are looking at moving away from Bennelong. Now with that there, obviously, Dana not too long ago updated your portfolio to your current one that you're in, which has been performing quite well up until, like, this year. We Mhmm. can look at just doing a company record of advice to basically remove that bet along investment for you and change it to an alternative in the same market as far as, like, your diversification's concerned. It would, Ma'am. though, remove the active portion of your fund, and it would just be more index, which means it comes at a bit of a lower cost. You just wouldn't be able to outperform the market. You'd just be sort of tracking the market. But as a business, they obviously are looking at removing that and moving on from that if you were sort of wanting to move away from Bennelong as well within line with that. Yes.","start_word":1776,"end_word":1968,"sentiment":"neutral","sentiment_score":-0.08891065272024876},{"text":"Yep. Are you happy with it just being the Bennelong switch and maintaining the rest of your portfolio and just getting rid of that underperforming asset?","start_word":1969,"end_word":1994,"sentiment":"positive","sentiment_score":0.44773566722869873},{"text":"Yes. Yep. Do you have any questions or concerns in regards No. to that performance or anything else there? No. Yep. Yeah. Not a problem at all. And then as far as insurances, obviously, you don't have any insurances there currently, Andrew. Do you No. have any questions around that? Are you happy sort of still having no insurances? Yeah. I'm fine. Yeah. Not a problem at all. And in terms of anything else that you wanted to discuss there today, is there anything that I haven't touched on that you wanted to touch on at all? No. Thank you. No problem at all. So with that one there, Andrew, I did have these documents done up there for you. But what I'll do is I'll quickly get this and your review pack together for you, and then you'll be able to review that one when you do have a chance and be able to either stay on board for another twelve months if you are happy with everything. Or if you're not happy with everything, obviously, you can give us a callback up and have a discussion around anything that you do have any questions or concerns about. But within regards to those documents, it'll have the ongoing service agreement for one, and then it'll also have a tax file opt in form. Just in the event that sort of updated where we store your tax file number, that's just where your tax will now be sitting moving forward. As far as the fees for the next twelve months, it will still be the 1.65%. Now within regards to that one, based on your your current balance there, it'll just have the estimated fee, which is around $1,900 as far as, like, the managed funds under your account, as far as Mhmm. your ongoing service agreement. And then within regards to that, when you will have some attached documents there with the Vanguard chart to be able to view sort of how the markets have acted over, you know, a thirty year period, you'll have your performance report. You'll addition to that one. You'll also have the summary of just where your superannuation is at, your account number, and then you'll have the most up to date copy of the financial services guide and overview services guide just to be able to have a look at there. But Yep. do you have any questions in regards to those reports that are gonna be sending out to you at all?","start_word":1995,"end_word":2414,"sentiment":"neutral","sentiment_score":0.1636913110812505},{"text":"Not a problem. So I'll be sending those out to you there shortly, and then you can have a chance to review those and sign if you have to stay on board for another twelve months.","start_word":2415,"end_word":2450,"sentiment":"positive","sentiment_score":0.4425351619720459},{"text":"But do you have any other questions today there in regards to anything at all, Andrew, or how things are traveling or the current markets?","start_word":2451,"end_word":2475,"sentiment":"neutral","sentiment_score":0.20635029673576355},{"text":"Or pretty happy with how things are ticking along?","start_word":2476,"end_word":2484,"sentiment":"positive","sentiment_score":0.5196796655654907},{"text":"Yep. Yep. Yep.","start_word":2485,"end_word":2487,"sentiment":"neutral","sentiment_score":0.2315801233053207},{"text":"Not a problem at all.","start_word":2488,"end_word":2492,"sentiment":"positive","sentiment_score":0.4189101755619049},{"text":"And then in, like, future, if you did wanna have a discussion around potentially, you know, doing a budget and a budget planner and things like that, I know with casual work, you're a bit sort of it depends sort of how many days you do work and if you do, you get your five days or not. Yep. But if you do sort of maybe go to a bit more of a permanent part time position or a full time position, Yep. potentially setting up a budget to help you sort of pay down your credit card debt and budget for that and sort of look at, you know, doing things a little bit differently so you're able to pay that down a bit quicker. Yep.","start_word":2493,"end_word":2619,"sentiment":"neutral","sentiment_score":0.1339449353340104},{"text":"No problem.","start_word":2620,"end_word":2621,"sentiment":"positive","sentiment_score":0.3904227614402771},{"text":"But if you don't have anything else for for me today there, Andrew, I'll get the team to organize that record of advice for you just based on the the company change there for Benelon. And then other than that, if you do have any questions or concerns or anything regards to any review packs sent out, you can always give us a call there as well.","start_word":2622,"end_word":2688,"sentiment":"neutral","sentiment_score":0.2422223538160324},{"text":"Thank you. No problem at all, Andrew. Thanks for your time. You enjoy the rest of your day. Bye.","start_word":2689,"end_word":2707,"sentiment":"positive","sentiment_score":0.7104799151420593}],"average":{"sentiment":"neutral","sentiment_score":0.045814290981768015}}}}