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I unfortunately, one of my staff members had a family member pass away, and I, yeah, I just kinda got caught coming off lunch and just had to my pleasure to to help her through and sort that out. But sorry about calling, mate. I'm still happy to jump on to the video call if you wanna do a video call, or we can just do a phone call. Oh, if you're happy to do that. Twenty minutes max, really, because everything's pretty, pretty easy and simple for what I put together. Yeah. No. Perfect. So I've sent it all to you so you can have a look in your leisure or or, you know, while we talk. But, essentially, the advice boils down to two main factors. One is getting the life in the life insurance in place to the million dollars and the other was just a update to your portfolio. So what whatever for your portfolio is just cutting out some of the underperforming assets, some of the assets that just aren't pulling their weight overall and getting the the just having the portfolio a little bit cleaner, a little better positioned for you. So all I'm doing is just cutting out two of the assets. One is a bank hybrid asset, and one is just a Benelong Australian equities asset. They're just not really pulling their their weight as strongly as what I would want them to. And I'm just flipping them over and incorporating a cheaper Australian asset and a similar kind of composite bond that would replace that that banking hybrid asset. Okay. So nothing nothing too crazy there, but it just makes the portfolio all overall a bit cheaper to operate, which is great and a lot better for you in that. Right? Okay? Perfect. So we're cutting the fees back. So the investment fee currently on your current portfolio of $1. So we're cutting that down to a 165. So a lot cheaper on that investment fee side of things, which is and the portfolio has, over the last three years, performed at one percent better year on year than what you're currently little bit better on that well, so benefits all around. Cool. Now the biggest the biggest benefit that we have in what I wanna rec that we're to a million dollar life insurance policy. So what you want to do is you want that million dollars when the event anything happened to you, the family are okay. And what I'm recommending is Neos as the provider. They provide us for your occupation and for what you do. And the million dollars is gonna cost us 243 or $2.44 a fortnight. Sorry. A year. Well, a fortnight. That's $244 a a year per item. So and that that can come out of your superannuation fund. Not an added expense to you. Yeah. So it's just the policy that you have because we transferred your insurance, and you have that the hub policy that's already in place with the $202,100,000. We're gonna cancel that, and we'll just have that million dollars worth of life, making things a lot easier, a lot simpler, a lot better on that front. So that that's the main device. Nothing too crazy on that front. The one thing I do wanna do because they're writing a new policy, we need to make sure we have beneficiary nominations in place. So that way, if anything happens to you, the money goes to the right place, which is the best tax advantage nominating your spouse than to nominate anyone else. And it's the quickest and easiest thing to have to get the money as well. Make sure that, like and it means that, you know, the kids are gonna get it through, you know, your staff looking after them and everything like that. So getting those in place. Otherwise, the couple of other things that I have recommended in the doc having overall. Just from a you know, if anything happens to you, just making sure that all those other little bits and pieces are taken care of. You know, if the car if you own the car in a personal name or you have a bank account that's only in your name and not in joint names, they become a state asset, which means that you need a will in place to actually have an instructing document to make sure that that money goes exactly where it needs to go. So I recommend that you do get a will in place. There's a couple of options that you have available to you. You don't always have to consent with a lawyer. You can just do, like, a free will through some, like, will services. You know, there's will kits that are available online. My husband and I went and got our will done about twelve, eighteen months ago. Cost us a thousand dollars for two wills and two power of attorney documents. So four documents in total, not through that realistically overall. Sorry. What was that? Yeah. So it means that if anything happens to either one of you, getting that money across the pain, especially if something happens to him because he's the, like, main main income earner. Any money that is paid to him in his account, you're gonna get locked out of. And the moment he passes, the banks do lock the accounts once they're notified. So it makes it a little bit difficult, you know, making sure that the family and the household's still operating and running and doing what it needs to do. So the will just issue access to that money means that you can talk to the bank because the bank still honors privacy laws after someone passes. So I've put in there that I recommend that we put our will in place and just the benefits of putting a will in place as well. Okay? So that's pretty much everything. Nice and easy. Put the documents to you in your email so you're able to have a read over them still and look at them. But but I think my favorite page is 34, which is just before you sign. And the reason it's my favorite is because it just steps out what we're going to do for you in a nice and easy this is who this is who's gonna do it, and this is who's responsible for each of the steps and when they're gonna occur. And, basically, it's once you sign the documents, we're gonna take care of everything. Yeah. Yeah. So I've sent that all to you. The only thing that we really need to organize is after you sign the documents is just getting through that that insurance application that I talked to you about a couple weeks ago And when you're available to do that, sort of around this time of day is generally a bit better. It has of times. I guess, yeah, depending on what day you wanna meet. And then what I can do is I can organize the my team, Jack, to give you a call, and he can go through that application with you. Next Wednesday, 11:30? Perfect. What I'll do is I'll book that in with Jack, and, yeah, just take the week to read over the documents and get them signed and through to us. And Jack will give you a call next week, eleventh. And I'm so sorry again for calling you a bit late. But yeah. You too. 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Elise. Larissa from O2 Financial. How are you going, Dale? Yeah. Good.\n\nSo so sorry for calling you. Right? I unfortunately, one of my staff members had a family member pass away, and I, yeah, I just kinda got caught coming off lunch and just had to my pleasure to to help her through and sort that out. But sorry about calling, mate. I'm still happy to jump on to the video call if you wanna do a video call, or we can just do a phone call.\n\nOh, if you're happy to do that. Twenty minutes max, really, because everything's pretty, pretty easy and simple for what I put together. Yeah. No. Perfect.\n\nSo I've sent it all to you so you can have a look in your leisure or or, you know, while we talk. But, essentially, the advice boils down to two main factors. One is getting the life in the life insurance in place to the million dollars and the other was just a update to your portfolio. So what whatever for your portfolio is just cutting out some of the underperforming assets, some of the assets that just aren't pulling their weight overall and getting the the just having the portfolio a little bit cleaner, a little better positioned for you. So all I'm doing is just cutting out two of the assets.\n\nOne is a bank hybrid asset, and one is just a Benelong Australian equities asset. They're just not really pulling their their weight as strongly as what I would want them to. And I'm just flipping them over and incorporating a cheaper Australian asset and a similar kind of composite bond that would replace that that banking hybrid asset. Okay. So nothing nothing too crazy there, but it just makes the portfolio all overall a bit cheaper to operate, which is great and a lot better for you in that.\n\nRight? Okay? Perfect. So we're cutting the fees back. So the investment fee currently on your current portfolio of $1.\n\nSo we're cutting that down to a 165. So a lot cheaper on that investment fee side of things, which is and the portfolio has, over the last three years, performed at one percent better year on year than what you're currently little bit better on that well, so benefits all around. Cool. Now the biggest the biggest benefit that we have in what I wanna rec that we're to a million dollar life insurance policy. So what you want to do is you want that million dollars when the event anything happened to you, the family are okay.\n\nAnd what I'm recommending is Neos as the provider. They provide us for your occupation and for what you do. And the million dollars is gonna cost us 243 or $2.44 a fortnight. Sorry. A year.\n\nWell, a fortnight. That's $244 a a year per item. So and that that can come out of your superannuation fund. Not an added expense to you. Yeah.\n\nSo it's just the policy that you have because we transferred your insurance, and you have that the hub policy that's already in place with the $202,100,000. We're gonna cancel that, and we'll just have that million dollars worth of life, making things a lot easier, a lot simpler, a lot better on that front. So that that's the main device. Nothing too crazy on that front. The one thing I do wanna do because they're writing a new policy, we need to make sure we have beneficiary nominations in place.\n\nSo that way, if anything happens to you, the money goes to the right place, which is the best tax advantage nominating your spouse than to nominate anyone else. And it's the quickest and easiest thing to have to get the money as well. Make sure that, like and it means that, you know, the kids are gonna get it through, you know, your staff looking after them and everything like that. So getting those in place. Otherwise, the couple of other things that I have recommended in the doc having overall.\n\nJust from a you know, if anything happens to you, just making sure that all those other little bits and pieces are taken care of. You know, if the car if you own the car in a personal name or you have a bank account that's only in your name and not in joint names, they become a state asset, which means that you need a will in place to actually have an instructing document to make sure that that money goes exactly where it needs to go. So I recommend that you do get a will in place. There's a couple of options that you have available to you. You don't always have to consent with a lawyer.\n\nYou can just do, like, a free will through some, like, will services. You know, there's will kits that are available online. My husband and I went and got our will done about twelve, eighteen months ago. Cost us a thousand dollars for two wills and two power of attorney documents. So four documents in total, not through that realistically overall.\n\nSorry. What was that? Yeah. So it means that if anything happens to either one of you, getting that money across the pain, especially if something happens to him because he's the, like, main main income earner. Any money that is paid to him in his account, you're gonna get locked out of.\n\nAnd the moment he passes, the banks do lock the accounts once they're notified. So it makes it a little bit difficult, you know, making sure that the family and the household's still operating and running and doing what it needs to do. So the will just issue access to that money means that you can talk to the bank because the bank still honors privacy laws after someone passes. So I've put in there that I recommend that we put our will in place and just the benefits of putting a will in place as well. Okay?\n\nSo that's pretty much everything. Nice and easy. Put the documents to you in your email so you're able to have a read over them still and look at them. But but I think my favorite page is 34, which is just before you sign. And the reason it's my favorite is because it just steps out what we're going to do for you in a nice and easy this is who this is who's gonna do it, and this is who's responsible for each of the steps and when they're gonna occur.\n\nAnd, basically, it's once you sign the documents, we're gonna take care of everything. Yeah. Yeah. So I've sent that all to you. The only thing that we really need to organize is after you sign the documents is just getting through that that insurance application that I talked to you about a couple weeks ago And when you're available to do that, sort of around this time of day is generally a bit better.\n\nIt has of times. I guess, yeah, depending on what day you wanna meet. And then what I can do is I can organize the my team, Jack, to give you a call, and he can go through that application with you. Next Wednesday, 11:30? Perfect.\n\nWhat I'll do is I'll book that in with Jack, and, yeah, just take the week to read over the documents and get them signed and through to us. And Jack will give you a call next week, eleventh. And I'm so sorry again for calling you a bit late. But yeah. You too.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Elise.","start":2.56,"end":3.36,"sentiment":"neutral","sentiment_score":0.15862740576267242},{"text":"Larissa from O2 Financial.","start":3.36,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.1768336333334446},{"text":"How are you going, Dale?","start":4.7999997,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.27286325097084047},{"text":"Yeah.","start":7.3599997,"end":7.68,"sentiment":"neutral","sentiment_score":0.18717314302921295},{"text":"Good.","start":7.68,"end":8.16,"sentiment":"neutral","sentiment_score":0.29012933373451233}],"sentiment":"neutral","sentiment_score":0.22047754434438852,"num_words":13,"start":2.56,"end":8.16},{"sentences":[{"text":"So so sorry for calling you.","start":8.16,"end":9.76,"sentiment":"neutral","sentiment_score":-0.03083509827653567},{"text":"Right?","start":9.76,"end":10.24,"sentiment":"neutral","sentiment_score":-0.10350003838539124},{"text":"I unfortunately, one of my staff members had a family member pass away, and I, yeah, I just kinda got caught coming off lunch and just had to my pleasure to to help her through and sort that out.","start":10.24,"end":25.654999,"sentiment":"neutral","sentiment_score":-0.3137972599420792},{"text":"But sorry about calling, mate.","start":25.654999,"end":28.475,"sentiment":"neutral","sentiment_score":-0.022696632146835326},{"text":"I'm still happy to jump on to the video call if you wanna do a video call, or we can just do a phone call.","start":29.24,"end":35.18,"sentiment":"neutral","sentiment_score":0.12057958349585533}],"sentiment":"neutral","sentiment_score":-0.12665259656741432,"num_words":76,"start":8.16,"end":35.18},{"sentences":[{"text":"Oh, if you're happy to do that.","start":35.4,"end":36.86,"sentiment":"neutral","sentiment_score":0.23747117604528153},{"text":"Twenty minutes max, really, because everything's pretty, pretty easy and simple for what I put 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to your portfolio.","start":74.765,"end":84.465004,"sentiment":"neutral","sentiment_score":0.04418062970042229},{"text":"So what whatever for your portfolio is just cutting out some of the underperforming assets, some of the assets that just aren't pulling their weight overall and getting the the just having the portfolio a little bit cleaner, a little better positioned for you.","start":85.71,"end":106.315,"sentiment":"neutral","sentiment_score":0.010828724638982252},{"text":"So all I'm doing is just cutting out two of the assets.","start":106.775,"end":109.595,"sentiment":"neutral","sentiment_score":0.00903243338689208}],"sentiment":"neutral","sentiment_score":0.048062532306893876,"num_words":114,"start":63.05,"end":109.595},{"sentences":[{"text":"One is a bank hybrid asset, and one is just a Benelong Australian equities asset.","start":109.975006,"end":115.28,"sentiment":"neutral","sentiment_score":-0.0011189687376221024},{"text":"They're just not really pulling their their weight as strongly as what I would want them to.","start":115.28,"end":119.380005,"sentiment":"neutral","sentiment_score":-0.10779453726375804},{"text":"And I'm just flipping them over and incorporating a cheaper Australian asset and a similar kind of composite bond that would replace that that banking hybrid asset.","start":120.48,"end":132.595,"sentiment":"neutral","sentiment_score":0.04337714189939477},{"text":"Okay.","start":134.575,"end":134.89499,"sentiment":"neutral","sentiment_score":0.09060317277908324},{"text":"So nothing nothing too crazy there, but it just makes the portfolio all overall a bit cheaper to operate, which is great and a lot better for you in 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a 165.","start":156.58499,"end":159.72499,"sentiment":"neutral","sentiment_score":0.18556126952171326},{"text":"So a lot cheaper on that investment fee side of things, which is and the portfolio has, over the last three years, performed at one percent better year on year than what you're currently little bit better on that well, so benefits all around.","start":159.78499,"end":176.47,"sentiment":"positive","sentiment_score":0.3781569004058838},{"text":"Cool.","start":180.04999,"end":180.54999,"sentiment":"positive","sentiment_score":0.5933554768562317},{"text":"Now the biggest the biggest benefit that we have in what I wanna rec that we're to a million dollar life insurance policy.","start":180.61,"end":192.06499,"sentiment":"neutral","sentiment_score":0.31746872870818427},{"text":"So what you want to do is you want that million dollars when the event anything happened to you, the family are okay.","start":192.20499,"end":197.42499,"sentiment":"neutral","sentiment_score":0.23718706291654837}],"sentiment":"neutral","sentiment_score":0.31791749957836035,"num_words":99,"start":156.58499,"end":197.42499},{"sentences":[{"text":"And what I'm recommending is Neos as the provider.","start":198.5,"end":201.16,"sentiment":"neutral","sentiment_score":0.14560224446985456},{"text":"They provide us for your occupation and for what you do.","start":201.62001,"end":206.6,"sentiment":"neutral","sentiment_score":0.13443938913670453},{"text":"And the million dollars is gonna cost us 243 or $2.44 a fortnight.","start":207.22,"end":211.96,"sentiment":"neutral","sentiment_score":0.026210346509917423},{"text":"Sorry.","start":213.025,"end":213.345,"sentiment":"neutral","sentiment_score":-0.014672476798295976},{"text":"A 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it's just the policy that you have because we transferred your insurance, and you have that the hub policy that's already in place with the $202,100,000.","start":226.865,"end":236.79001,"sentiment":"neutral","sentiment_score":0.06624385224724258},{"text":"We're gonna cancel that, and we'll just have that million dollars worth of life, making things a lot easier, a lot simpler, a lot better on that front.","start":237.01001,"end":245.195,"sentiment":"neutral","sentiment_score":0.14163509104400873},{"text":"So that that's the main device.","start":249.015,"end":251.115,"sentiment":"neutral","sentiment_score":0.18862469494342804},{"text":"Nothing too crazy on that front.","start":252.295,"end":254.1,"sentiment":"neutral","sentiment_score":0.13700580721100172},{"text":"The one thing I do wanna do because they're writing a new policy, we need to make sure we have beneficiary nominations in 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go.","start":299.465,"end":318.51,"sentiment":"neutral","sentiment_score":0.020755042573289265},{"text":"So I recommend that you do get a will in place.","start":318.97,"end":321.29,"sentiment":"neutral","sentiment_score":0.23773351311683655},{"text":"There's a couple of options that you have available to you.","start":321.29,"end":323.29,"sentiment":"neutral","sentiment_score":0.20967095683921466},{"text":"You don't always have to consent with a lawyer.","start":323.29,"end":325.23,"sentiment":"neutral","sentiment_score":0.011197111258904139}],"sentiment":"neutral","sentiment_score":0.11679653266147405,"num_words":119,"start":293.27,"end":325.23},{"sentences":[{"text":"You can just do, like, a free will through some, like, will services.","start":325.53,"end":329.07,"sentiment":"neutral","sentiment_score":0.09193121126064888},{"text":"You know, there's will kits that are available online.","start":329.915,"end":332.33502,"sentiment":"neutral","sentiment_score":0.0952715931667222},{"text":"My husband and I went and got our will done about twelve, eighteen months ago.","start":333.355,"end":337.215,"sentiment":"neutral","sentiment_score":0.07125629136959712},{"text":"Cost us a thousand dollars for two wills and two power of attorney documents.","start":337.355,"end":341.61502,"sentiment":"neutral","sentiment_score":0.056853966787457466},{"text":"So four documents in total, not through that realistically overall.","start":341.995,"end":345.87997,"sentiment":"neutral","sentiment_score":0.012663077190518379}],"sentiment":"neutral","sentiment_score":0.06629476659610624,"num_words":61,"start":325.53,"end":345.87997},{"sentences":[{"text":"Sorry.","start":351.53998,"end":351.78,"sentiment":"neutral","sentiment_score":-0.06348322331905365},{"text":"What was that?","start":351.78,"end":352.68,"sentiment":"neutral","sentiment_score":-0.06615177790323894},{"text":"Yeah.","start":361.225,"end":361.70502,"sentiment":"neutral","sentiment_score":-0.009470894001424313},{"text":"So it means that if anything happens to either one of you, getting that money across the pain, especially if something happens to him because he's the, like, main main income earner.","start":361.70502,"end":373.64,"sentiment":"neutral","sentiment_score":-0.21270663617178798},{"text":"Any money that is paid to him in his account, you're gonna get locked out of.","start":373.64,"end":377.74,"sentiment":"negative","sentiment_score":-0.366262698546052}],"sentiment":"neutral","sentiment_score":-0.2441174525521555,"num_words":53,"start":351.53998,"end":377.74},{"sentences":[{"text":"And the moment he passes, the banks do lock the accounts once they're notified.","start":378.52002,"end":382.7,"sentiment":"neutral","sentiment_score":-0.06002173998526165},{"text":"So it makes it a little bit difficult, you know, making sure that the family and the household's still operating and running and doing what it needs to do.","start":383.08002,"end":389.715,"sentiment":"neutral","sentiment_score":-0.13867397426531233},{"text":"So the will just issue access to that money means that you can talk to the bank because the bank still honors privacy laws after someone passes.","start":389.715,"end":396.695,"sentiment":"neutral","sentiment_score":0.05135504225337947},{"text":"So I've put in there that I recommend that we put our will in place and just the benefits of putting a will in place as well.","start":397.45,"end":402.97,"sentiment":"neutral","sentiment_score":0.14398686367052574},{"text":"Okay?","start":402.97,"end":403.47,"sentiment":"neutral","sentiment_score":0.08461462706327438}],"sentiment":"neutral","sentiment_score":0.00507139258694892,"num_words":98,"start":378.52002,"end":403.47},{"sentences":[{"text":"So that's pretty much everything.","start":405.45,"end":406.99002,"sentiment":"positive","sentiment_score":0.5602304935455322},{"text":"Nice and easy.","start":408.25,"end":409.15,"sentiment":"positive","sentiment_score":0.7349458535512289},{"text":"Put the documents to you in your email so you're able to have a read over them still and look at them.","start":411.115,"end":418.255,"sentiment":"neutral","sentiment_score":0.26788854192603717},{"text":"But but I think my favorite page is 34, which is just before you sign.","start":418.395,"end":423.535,"sentiment":"neutral","sentiment_score":0.17172720034917197},{"text":"And the reason it's my favorite is because it just steps out what we're going to do for you in a nice and easy this is who this is who's gonna do it, and this is who's responsible for each of the steps and when they're gonna 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time of day is generally a bit better.","start":447.215,"end":464.25998,"sentiment":"neutral","sentiment_score":0.030266998013338216}],"sentiment":"neutral","sentiment_score":0.06658859468996525,"num_words":75,"start":435.75998,"end":464.25998},{"sentences":[{"text":"It has of times.","start":464.25998,"end":465.72,"sentiment":"neutral","sentiment_score":-0.012021046364679933},{"text":"I guess, yeah, depending on what day you wanna meet.","start":467.06,"end":471.105,"sentiment":"neutral","sentiment_score":0.04297882132232189},{"text":"And then what I can do is I can organize the my team, Jack, to give you a call, and he can go through that application with you.","start":471.105,"end":477.765,"sentiment":"neutral","sentiment_score":0.09887546340801887},{"text":"Next Wednesday, 11:30?","start":482.59,"end":484.13,"sentiment":"neutral","sentiment_score":0.07662759472926457},{"text":"Perfect.","start":486.11,"end":486.59,"sentiment":"positive","sentiment_score":0.35229426622390747}],"sentiment":"neutral","sentiment_score":0.08113900116523323,"num_words":46,"start":464.25998,"end":486.59},{"sentences":[{"text":"What I'll do is I'll book that in with Jack, and, yeah, just take the week to read over the documents and get them signed and through to us.","start":486.59,"end":493.31,"sentiment":"neutral","sentiment_score":0.21457210748360075},{"text":"And Jack will give you a call next week, eleventh.","start":493.31,"end":495.49,"sentiment":"neutral","sentiment_score":0.12753540575504302},{"text":"And I'm so sorry again for calling you a bit late.","start":500.065,"end":502.405,"sentiment":"negative","sentiment_score":-0.4299086467786269},{"text":"But yeah.","start":505.825,"end":506.545,"sentiment":"neutral","sentiment_score":0.2395091950893402},{"text":"You 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Elise speaking. Good. I'm good. How are you? Okay. Jesus. Of course. Yep. That's okay. Yeah. How long will will the call be? Roughly. Okay. I'm just in the library. Okay. So how many pages have I got going on? I should be able to yeah. Let's just let's just chat now. I'll just be really quiet. Yep. Yes. Mhmm. Mhmm. Okay. Perfect. Yep. Okay. Perfect. Yep. Okay. Amazing. Love that. Yes. Yes. Mhmm. Okay. Okay. Gotcha. Yep. Okay. Awesome. Lovely. Yep. Yep. Yep. Okay. Yes. Love. Love. Love. Love. Yep. Okay. Perfect. Mhmm. Mhmm. Yes. Smart. Yeah. That's it's a smart thing to do because I've got my own accounts, and Corey's got his own account. So within none of them are even joint. Mhmm. Yep. Yep. Okay. Yep. Perfect. Yep. Okay. Okay. Amazing. Love that. Love the sound of that. Mhmm. Yeah. 11:30. Yep. Okay. Easy. Yeah. Next week, 11:30 is perfect. Yep. Okay. Perfect. Thank you so much. No. That's all good. All good. Thank you. 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good.","start":503.94,"end":504.34,"sentiment":"positive","sentiment_score":0.6116678714752197},{"text":"Thank you.","start":504.34,"end":504.615,"sentiment":"positive","sentiment_score":0.7391282916069031}],"sentiment":"positive","sentiment_score":0.41544701407353085,"num_words":12,"start":497.86,"end":504.615},{"sentences":[{"text":"Have a good day.","start":504.615,"end":505.63998,"sentiment":"positive","sentiment_score":0.6016169637441635}],"sentiment":"positive","sentiment_score":0.6016169637441635,"num_words":4,"start":504.615,"end":505.63998}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Elise speaking.\n\nChannel 0: Hi, Elise. Larissa from O2 Financial. How are you going, Dale?\n\nChannel 1: Good. I'm good. How are you?\n\nChannel 0: Yeah. Good. So so sorry for calling you. Right? I\n\nChannel 1: Okay.\n\nChannel 0: unfortunately, one of my staff members had a family member pass away, and I, yeah, I just kinda got caught coming off lunch and just had to my pleasure to to help her through and sort that out. But\n\nChannel 1: Jesus. Of course.\n\nChannel 0: sorry\n\nChannel 1: Yep.\n\nChannel 0: about calling, mate. I'm\n\nChannel 1: That's\n\nChannel 0: still happy\n\nChannel 1: okay.\n\nChannel 0: to jump on to the video call if you wanna do a video call, or we can just do a phone call. Oh, if you're happy to do that.\n\nChannel 1: Yeah. How long will will the call be? Roughly.\n\nChannel 0: Twenty minutes max, really, because everything's pretty, pretty easy and simple for what I put together.\n\nChannel 1: Okay. I'm just in the library. Okay. So how many pages have I got going on? I should be able to\n\nChannel 0: Yeah.\n\nChannel 1: yeah. Let's just let's just chat now. I'll just be really quiet.\n\nChannel 0: No. Perfect. So I've sent it all to you so you can have a look in your leisure or or,\n\nChannel 1: Yep.\n\nChannel 0: you know, while we talk. But, essentially, the advice boils down to two main factors. One is getting the life in the life insurance in place to the million dollars and the other was\n\nChannel 1: Yes.\n\nChannel 0: just a update to your portfolio. So what whatever for your portfolio is just cutting out some of the underperforming assets, some of the assets that just aren't pulling their weight overall\n\nChannel 1: Mhmm.\n\nChannel 0: and getting the the just having the portfolio a little bit cleaner, a little better positioned for you. So all I'm doing is just cutting out two of the assets. One is a bank hybrid asset, and one is just a Benelong Australian equities asset. They're just not really pulling their their weight as strongly as what I would want them to.\n\nChannel 1: Mhmm.\n\nChannel 0: And I'm just flipping them over and incorporating a cheaper Australian asset and a similar kind of composite bond that would replace that that banking hybrid asset. Okay.\n\nChannel 1: Okay. Perfect.\n\nChannel 0: So nothing nothing too crazy there, but it just makes the portfolio all overall a bit cheaper to operate, which is great and a lot better for you in that. Right?\n\nChannel 1: Yep. Okay. Perfect.\n\nChannel 0: Okay? Perfect.\n\nChannel 1: Yep.\n\nChannel 0: So we're cutting the fees back. So the investment fee currently on your current portfolio of $1. So we're cutting that down to a 165. So a lot cheaper on that investment fee side of things, which is and the portfolio has, over the last three years, performed at one percent better year on year than what you're currently little bit better on that well, so benefits all around.\n\nChannel 1: Okay. Amazing. Love that.\n\nChannel 0: Cool. Now the biggest the biggest benefit that we have in what I wanna rec that we're to a million dollar life insurance policy. So what you\n\nChannel 1: Yes.\n\nChannel 0: want to do is you want that million dollars when the event anything happened to you, the family are okay.\n\nChannel 1: Yes.\n\nChannel 0: And what I'm recommending is Neos as the provider. They provide us for your occupation and for what you do. And\n\nChannel 1: Mhmm.\n\nChannel 0: the million dollars is gonna cost us 243 or $2.44 a fortnight. Sorry. A\n\nChannel 1: Okay.\n\nChannel 0: year. Well, a fortnight. That's $244 a a year per item.\n\nChannel 1: Okay. Gotcha. Yep.\n\nChannel 0: So and that that can come out of your superannuation fund.\n\nChannel 1: Okay.\n\nChannel 0: Not an added\n\nChannel 1: Awesome.\n\nChannel 0: expense\n\nChannel 1: Lovely.\n\nChannel 0: to you. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: So it's just the policy that you have because we transferred your insurance, and you have that the hub policy that's already in place with the\n\nChannel 1: Yep.\n\nChannel 0: $202,100,000. We're gonna cancel that, and we'll just have\n\nChannel 1: Yep.\n\nChannel 0: that million\n\nChannel 1: Okay.\n\nChannel 0: dollars worth of life, making things a lot easier, a lot simpler, a lot better\n\nChannel 1: Yes.\n\nChannel 0: on that front.\n\nChannel 1: Love. Love. Love. Love.\n\nChannel 0: So that that's the main device. Nothing too crazy on that front. The one thing I do wanna do because they're writing a new policy, we need to make sure we have beneficiary nominations in place. So that way, if anything happens to you, the money goes to the right place, which is the\n\nChannel 1: Yep.\n\nChannel 0: best tax advantage nominating your spouse than to nominate anyone else. And it's the quickest and easiest thing to have to get the money as well. Make sure that, like and it means that, you know, the kids are gonna get it through, you know, your staff looking after them and everything like that.\n\nChannel 1: Okay. Perfect.\n\nChannel 0: So getting those in place. Otherwise, the couple of other things that I have recommended in the doc having overall. Just from a you know, if anything happens to you, just making sure that all those other little bits and pieces are taken care of. You\n\nChannel 1: Mhmm.\n\nChannel 0: know, if the car if you own the car in a personal name or you have a bank account that's only in your name and not in joint names, they become a state asset, which means that you need a will in place to actually have an instructing document to make sure that that money goes exactly where it needs to go. So I recommend that you do get a will in place. There's a couple of options that you have available to you. You don't always have to consent with a lawyer. You can just do, like, a free will through some, like, will services.\n\nYou know, there's will kits that are available online. My husband and I went and got our will done about twelve, eighteen months ago. Cost us a thousand dollars for two wills and two power of attorney documents. So four documents in total, not through that realistically overall.\n\nChannel 1: Mhmm. Yes. Smart.\n\nChannel 0: Sorry. What was that?\n\nChannel 1: Yeah. That's it's a smart thing to do because I've got my own accounts, and Corey's got his own account. So within none of\n\nChannel 0: Yeah.\n\nChannel 1: them\n\nChannel 0: So it means\n\nChannel 1: are\n\nChannel 0: that\n\nChannel 1: even\n\nChannel 0: if anything\n\nChannel 1: joint.\n\nChannel 0: happens to either one of you, getting that money across the pain, especially if something happens to him because he's the, like, main main income earner. Any money that is paid to him in his account, you're gonna get locked out of.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: And the moment he passes, the banks do lock the accounts once they're notified. So it makes it a little bit difficult, you know, making sure that the family and the household's still operating and running and doing what it needs to do. So the will\n\nChannel 1: Yep.\n\nChannel 0: just issue access to that money means that you can talk to the bank because the bank still honors privacy laws after someone passes. So I've put in there that I recommend that we put our will in place and just the benefits of putting a will in place as well. Okay?\n\nChannel 1: Okay. Yep. Perfect.\n\nChannel 0: So that's pretty much everything. Nice and easy. Put the documents to you in your email\n\nChannel 1: Yep.\n\nChannel 0: so you're able to have a read over them still and look at them. But but I think my favorite page is 34, which is just before you sign. And the reason it's my favorite is because it just steps out what we're going to do for you in a nice\n\nChannel 1: Okay.\n\nChannel 0: and easy this is who this is who's gonna do it, and this is who's responsible for each of the steps and when they're gonna occur. And, basically, it's once you sign the documents, we're gonna take care of everything.\n\nChannel 1: Okay. Amazing. Love that. Love the sound of that.\n\nChannel 0: Yeah. Yeah. So I've sent that all to you. The only thing that we really need to organize is after you sign the documents is just getting through that that insurance application that I talked to you about a couple weeks\n\nChannel 1: Mhmm.\n\nChannel 0: ago And when you're available to do that, sort of around this time of day is generally a bit better. It has of times.\n\nChannel 1: Yeah. 11:30.\n\nChannel 0: I guess,\n\nChannel 1: Yep.\n\nChannel 0: yeah, depending on what day you wanna meet. And then what I can do is I can organize the my team, Jack, to give you a call, and he can go through that application with you.\n\nChannel 1: Okay. Easy. Yeah. Next week, 11:30 is perfect.\n\nChannel 0: Next Wednesday, 11:30?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. What I'll do is I'll book that in with Jack, and, yeah, just take the week to read over the documents and get them signed and through to us. And Jack will give you a call next week, eleventh.\n\nChannel 1: Okay. Perfect. Thank you so much.\n\nChannel 0: And I'm so sorry again for calling you a bit late.\n\nChannel 1: No. That's all good. All good. Thank you. Have a good day.\n\nChannel 0: But yeah. You too. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.88,"end":1.36,"sentiment":"neutral","sentiment_score":0.01913555338978767},{"text":"Elise speaking.","start":1.36,"end":2.1,"sentiment":"neutral","sentiment_score":0.023607932031154633}],"sentiment":"neutral","sentiment_score":0.02211713915069898,"channel":1,"num_words":3,"start":0.88,"end":2.1},{"sentences":[{"text":"Hi, Elise.","start":2.56,"end":3.36,"sentiment":"neutral","sentiment_score":0.15862740576267242},{"text":"Larissa from O2 Financial.","start":3.36,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.1768336333334446},{"text":"How are you going, Dale?","start":4.7999997,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.27286325097084047}],"sentiment":"neutral","sentiment_score":0.21717323633757504,"channel":0,"num_words":11,"start":2.56,"end":5.8599997},{"sentences":[{"text":"Good.","start":5.7599998,"end":6.08,"sentiment":"positive","sentiment_score":0.578072190284729},{"text":"I'm 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Benelong Australian equities asset.","start":109.975006,"end":115.28,"sentiment":"neutral","sentiment_score":-0.0011189687376221024},{"text":"They're just not really pulling their their weight as strongly as what I would want them to.","start":115.28,"end":119.380005,"sentiment":"neutral","sentiment_score":-0.10779453726375804}],"sentiment":"neutral","sentiment_score":-0.017191395809453343,"channel":0,"num_words":62,"start":99.895004,"end":119.380005},{"sentences":[{"text":"Mhmm.","start":119.82,"end":120.32,"sentiment":"neutral","sentiment_score":0.00411304272711277}],"sentiment":"neutral","sentiment_score":0.00411304272711277,"channel":1,"num_words":1,"start":119.82,"end":120.32},{"sentences":[{"text":"And I'm just flipping them over and incorporating a cheaper Australian asset and a similar kind of composite bond that would replace that that banking hybrid 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because it just steps out what we're going to do for you in a nice","start":423.915,"end":429.44,"sentiment":"neutral","sentiment_score":0.3318661925467578}],"sentiment":"neutral","sentiment_score":0.2655108725907756,"channel":0,"num_words":51,"start":413.915,"end":429.44},{"sentences":[{"text":"Okay.","start":429.25,"end":429.75,"sentiment":"neutral","sentiment_score":0.29240602254867554}],"sentiment":"neutral","sentiment_score":0.29240602254867554,"channel":1,"num_words":1,"start":429.25,"end":429.75},{"sentences":[{"text":"and easy this is who this is who's gonna do it, and this is who's responsible for each of the steps and when they're gonna occur.","start":429.44,"end":435.62,"sentiment":"neutral","sentiment_score":0.16452025478849044},{"text":"And, basically, it's once you sign the documents, we're gonna take care of 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weeks","start":447.215,"end":455.535,"sentiment":"neutral","sentiment_score":0.05082478089025244}],"sentiment":"neutral","sentiment_score":0.08041802407583086,"channel":0,"num_words":41,"start":442.815,"end":455.535},{"sentences":[{"text":"Mhmm.","start":455.445,"end":455.945,"sentiment":"neutral","sentiment_score":0.03284750133752823}],"sentiment":"neutral","sentiment_score":0.03284750133752823,"channel":1,"num_words":1,"start":455.445,"end":455.945},{"sentences":[{"text":"ago And when you're available to do that, sort of around this time of day is generally a bit better.","start":455.535,"end":464.25998,"sentiment":"neutral","sentiment_score":-0.0026254545897245406},{"text":"It has of 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11:30?","start":482.59,"end":484.13,"sentiment":"neutral","sentiment_score":0.07662759472926457}],"sentiment":"neutral","sentiment_score":0.07662759472926457,"channel":0,"num_words":3,"start":482.59,"end":484.13},{"sentences":[{"text":"Yep.","start":484.63498,"end":485.13498,"sentiment":"neutral","sentiment_score":0.15297472476959229}],"sentiment":"neutral","sentiment_score":0.15297472476959229,"channel":1,"num_words":1,"start":484.63498,"end":485.13498},{"sentences":[{"text":"Perfect.","start":486.11,"end":486.59,"sentiment":"positive","sentiment_score":0.35229426622390747},{"text":"What I'll do is I'll book that in with Jack, and, yeah, just take the week to read over the documents and get them signed and through to us.","start":486.59,"end":493.31,"sentiment":"neutral","sentiment_score":0.21457210748360075},{"text":"And Jack will give you a call next week, eleventh.","start":493.31,"end":495.49,"sentiment":"neutral","sentiment_score":0.12753540575504302}],"sentiment":"neutral","sentiment_score":0.196255986019969,"channel":0,"num_words":40,"start":486.11,"end":495.49},{"sentences":[{"text":"Okay.","start":496.98,"end":497.38,"sentiment":"neutral","sentiment_score":0.24450433254241943},{"text":"Perfect.","start":497.38,"end":497.86,"sentiment":"positive","sentiment_score":0.519461989402771},{"text":"Thank you so much.","start":497.86,"end":498.92,"sentiment":"positive","sentiment_score":0.5303016528487206}],"sentiment":"positive","sentiment_score":0.48086215555667877,"channel":1,"num_words":6,"start":496.98,"end":498.92},{"sentences":[{"text":"And I'm so sorry again for calling you a bit 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yeah.","start":505.825,"end":506.545,"sentiment":"neutral","sentiment_score":0.2395091950893402},{"text":"You too.","start":506.545,"end":507.285,"sentiment":"neutral","sentiment_score":0.25565360486507416},{"text":"Bye.","start":507.345,"end":507.845,"sentiment":"neutral","sentiment_score":-0.08001762628555298}],"sentiment":"neutral","sentiment_score":0.18206159472465516,"channel":0,"num_words":5,"start":505.825,"end":507.845}]},"summary":{"result":"success","short":"A bank representative discusses the benefits of a life insurance policy with customer Dale, including cutting fees and investment fees, cancelling the policy, and creating a new one with a tax advantage. The policy is recommended for the customer to have a will in place to ensure beneficiary nominations and ensure the money is in the correct place. A Neos insurance policy is recommended for the customer to have a will in place to make sure the money is in the correct place and a free will kit for wills and power of attorney documents can be done online. The policy is recommended for the customer to have a will in place for personal and bank accounts to ensure privacy laws are honored after they pass and a free will kit for wills and power of attorney documents can be done online."},"intents":{"segments":[{"text":"So we're cutting the fees back. So the investment fee currently on your current portfolio of $1. So we're cutting that down to a 165. So a lot cheaper on that investment fee side of things, which is and the portfolio has, over the last three years, performed at one percent better year on year than what you're currently little bit better on that well, so benefits all around. Okay. Amazing.","start_word":390,"end_word":460,"intents":[{"intent":"Optimize portfolio performance","confidence_score":0.011502461}]},{"text":"best tax advantage nominating your spouse than to nominate anyone else.","start_word":704,"end_word":714,"intents":[{"intent":"Nominate spouse","confidence_score":0.63931936}]},{"text":"Otherwise, the couple of other things that I have recommended in the doc having overall. Just from a you know, if anything happens to you, just making sure that all those other little bits and pieces are taken care of. You Mhmm.","start_word":764,"end_word":805,"intents":[{"intent":"Take care of kids","confidence_score":0.02083633}]},{"text":"know, if the car if you own the car in a personal name or you have a bank account that's only in your name and not in joint names, they become a state asset, which means that you need a will in place to actually have an instructing document to make sure that that money goes exactly where it needs to go.","start_word":806,"end_word":867,"intents":[{"intent":"Instruct document","confidence_score":0.01642813}]},{"text":"And the moment he passes, the banks do lock the accounts once they're notified.","start_word":1046,"end_word":1059,"intents":[{"intent":"Lock account","confidence_score":0.010083293},{"intent":"Lock out accounts","confidence_score":0.021039056}]},{"text":"just issue access to that money means that you can talk to the bank because the bank still honors privacy laws after someone passes. So I've put in there that I recommend that we put our will in place and just the benefits of putting a will in place as well. Okay? Okay.","start_word":1093,"end_word":1145,"intents":[{"intent":"Discuss will in place","confidence_score":0.0016081596}]},{"text":"Put the documents to you in your email Yep. so you're able to have a read over them still and look at them. But but I think my favorite page is 34, which is just before you sign. And the reason it's my favorite is because it just steps out what we're going to do for you in a nice Okay.","start_word":1156,"end_word":1216,"intents":[{"intent":"Provide information","confidence_score":0.23255298}]},{"text":"I guess, Yep. yeah, depending on what day you wanna meet. And then what I can do is I can organize the my team, Jack, to give you a call, and he can go through that application with you. Okay. Easy.","start_word":1334,"end_word":1374,"intents":[{"intent":"Arrange call","confidence_score":0.081147246}]},{"text":"What I'll do is I'll book that in with Jack, and, yeah, just take the week to read over the documents and get them signed and through to us. And Jack will give you a call next week, eleventh. Okay.","start_word":1386,"end_word":1425,"intents":[{"intent":"Book meeting","confidence_score":0.23759794}]}]},"sentiments":{"segments":[{"text":"Hello? Elise speaking. Hi, Elise. Larissa from O2 Financial. How are you going, Dale?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.1637508124113083},{"text":"Good. I'm good. How are you?","start_word":14,"end_word":19,"sentiment":"positive","sentiment_score":0.47687721252441406},{"text":"Yeah. Good. So so sorry for calling you. Right? I Okay. unfortunately, one of my staff members had a family member pass away, and I, yeah, I just kinda got caught coming off lunch and just had to my pleasure to to help her through and sort that out. But Jesus. Of course. sorry Yep. about calling, mate. I'm That's still happy okay. to jump on to the video call if you wanna do a video call, or we can just do a phone call. Oh, if you're happy to do that. Yeah. How long will will the call be? Roughly. Twenty minutes max, really, because everything's pretty, pretty easy and simple for what I put together. Okay. I'm just in the library. Okay. So how many pages have I got going on? I should be able to Yeah. yeah. Let's just let's just chat now. I'll just be really quiet. No. Perfect. So I've sent it all to you so you can have a look in your leisure or or, Yep. you know, while we talk. But, essentially, the advice boils down to two main factors. One is getting the life in the life insurance in place to the million dollars and the other was Yes. just a update to your portfolio. So what whatever for your portfolio is just cutting out some of the underperforming assets, some of the assets that just aren't pulling their weight overall Mhmm. and getting the the just having the portfolio a little bit cleaner, a little better positioned for you. So all I'm doing is just cutting out two of the assets. One is a bank hybrid asset, and one is just a Benelong Australian equities asset. They're just not really pulling their their weight as strongly as what I would want them to. Mhmm. And I'm just flipping them over and incorporating a cheaper Australian asset and a similar kind of composite bond that would replace that that banking hybrid asset. Okay. Okay. Perfect.","start_word":20,"end_word":352,"sentiment":"neutral","sentiment_score":0.01994376815855503},{"text":"So nothing nothing too crazy there, but it just makes the portfolio all overall a bit cheaper to operate, which is great and a lot better for you in that. Right?","start_word":353,"end_word":383,"sentiment":"positive","sentiment_score":0.6190829277038574},{"text":"Yep. Okay.","start_word":384,"end_word":385,"sentiment":"neutral","sentiment_score":0.2269248068332672},{"text":"Perfect.","start_word":386,"end_word":386,"sentiment":"positive","sentiment_score":0.514133095741272},{"text":"Okay?","start_word":387,"end_word":387,"sentiment":"neutral","sentiment_score":0.26161086559295654},{"text":"Perfect.","start_word":388,"end_word":388,"sentiment":"positive","sentiment_score":0.4409117102622986},{"text":"Yep. So we're cutting the fees back. So the investment fee currently on your current portfolio of $1. So we're cutting that down to a 165.","start_word":389,"end_word":414,"sentiment":"neutral","sentiment_score":0.15674781799316406},{"text":"So a lot cheaper on that investment fee side of things, which is and the portfolio has, over the last three years, performed at one percent better year on year than what you're currently little bit better on that well, so benefits all around. Okay. Amazing. Love that. Cool.","start_word":415,"end_word":463,"sentiment":"positive","sentiment_score":0.4090249240398407},{"text":"Now the biggest the biggest benefit that we have in what I wanna rec that we're to a million dollar life insurance policy. So what you Yes. want to do is you want that million dollars when the event anything happened to you, the family are okay. Yes. And what I'm recommending is Neos as the provider. They provide us for your occupation and for what you do. And Mhmm. the million dollars is gonna cost us 243 or $2.44 a fortnight. Sorry. A Okay. year. Well, a fortnight. That's $244 a a year per item. Okay. Gotcha. Yep. So and that that can come out of your superannuation fund. Okay. Not an added Awesome. expense Lovely. to you. Yeah. Yep. So it's just the policy that you have because we transferred your insurance, and you have that the hub policy that's already in place with the Yep. $202,100,000. We're gonna cancel that, and we'll just have Yep. that million Okay. dollars worth of life, making things a lot easier, a lot simpler, a lot better Yes. on that front. Love. Love. Love. Love. So that that's the main device. Nothing too crazy on that front. The one thing I do wanna do because they're writing a new policy, we need to make sure we have beneficiary nominations in place. So that way, if anything happens to you, the money goes to the right place, which is the Yep.","start_word":464,"end_word":702,"sentiment":"neutral","sentiment_score":0.12857694923877716},{"text":"best tax advantage nominating your spouse than to nominate anyone else. And it's the quickest and easiest thing to have to get the money as well. Make sure that, like and it means that, you know, the kids are gonna get it through, you know, your staff looking after them and everything like that. Okay. Perfect. So getting those in place. Otherwise, the couple of other things that I have recommended in the doc having overall.","start_word":703,"end_word":778,"sentiment":"positive","sentiment_score":0.48255786299705505},{"text":"Just from a you know, if anything happens to you, just making sure that all those other little bits and pieces are taken care of. You Mhmm. know, if the car if you own the car in a personal name or you have a bank account that's only in your name and not in joint names, they become a state asset, which means that you need a will in place to actually have an instructing document to make sure that that money goes exactly where it needs to go. So I recommend that you do get a will in place. There's a couple of options that you have available to you. You don't always have to consent with a lawyer. You can just do, like, a free will through some, like, will services. You know, there's will kits that are available online. My husband and I went and got our will done about twelve, eighteen months ago. Cost us a thousand dollars for two wills and two power of attorney documents. So four documents in total, not through that realistically overall. Mhmm. Yes. Smart. Sorry. What was that? Yeah. That's it's a smart thing to do because I've got my own accounts, and Corey's got his own account. So within none of Yeah. them So it means are that even if anything joint. happens to either one of you, getting that money across the pain, especially if something happens to him because he's the, like, main main income earner.","start_word":779,"end_word":1027,"sentiment":"neutral","sentiment_score":0.050193168222904205},{"text":"Any money that is paid to him in his account, you're gonna get locked out of.","start_word":1028,"end_word":1043,"sentiment":"negative","sentiment_score":-0.3619726896286011},{"text":"Mhmm. Yep. And the moment he passes, the banks do lock the accounts once they're notified. So it makes it a little bit difficult, you know, making sure that the family and the household's still operating and running and doing what it needs to do. So the will Yep. just issue access to that money means that you can talk to the bank because the bank still honors privacy laws after someone passes. So I've put in there that I recommend that we put our will in place and just the benefits of putting a will in place as well. Okay? Okay. Yep.","start_word":1044,"end_word":1146,"sentiment":"neutral","sentiment_score":0.010560120428794796},{"text":"Perfect. So that's pretty much everything. Nice and easy.","start_word":1147,"end_word":1155,"sentiment":"positive","sentiment_score":0.6173480749130249},{"text":"Put the documents to you in your email Yep. so you're able to have a read over them still and look at them. But but I think my favorite page is 34, which is just before you sign. And the reason it's my favorite is because it just steps out what we're going to do for you in a nice Okay. and easy this is who this is who's gonna do it, and this is who's responsible for each of the steps and when they're gonna occur. And, basically, it's once you sign the documents, we're gonna take care of everything. Okay.","start_word":1156,"end_word":1257,"sentiment":"neutral","sentiment_score":0.21594536304473877},{"text":"Amazing. Love that. Love the sound of that.","start_word":1258,"end_word":1265,"sentiment":"positive","sentiment_score":0.610661506652832},{"text":"Yeah. Yeah. So I've sent that all to you. The only thing that we really need to organize is after you sign the documents is just getting through that that insurance application that I talked to you about a couple weeks Mhmm. ago And when you're available to do that, sort of around this time of day is generally a bit better. It has of times. Yeah. 11:30. I guess, Yep. yeah, depending on what day you wanna meet. And then what I can do is I can organize the my team, Jack, to give you a call, and he can go through that application with you. Okay. Easy. Yeah. Next week, 11:30 is perfect. Next Wednesday, 11:30? Yep.","start_word":1266,"end_word":1384,"sentiment":"neutral","sentiment_score":0.07417178153991699},{"text":"Perfect.","start_word":1385,"end_word":1385,"sentiment":"positive","sentiment_score":0.35229426622390747},{"text":"What I'll do is I'll book that in with Jack, and, yeah, just take the week to read over the documents and get them signed and through to us. And Jack will give you a call next week, eleventh. Okay.","start_word":1386,"end_word":1425,"sentiment":"neutral","sentiment_score":0.19043314456939697},{"text":"Perfect. Thank you so much.","start_word":1426,"end_word":1430,"sentiment":"positive","sentiment_score":0.6064206957817078},{"text":"And I'm so sorry again for calling you a bit late. No.","start_word":1431,"end_word":1442,"sentiment":"negative","sentiment_score":-0.4342069029808045},{"text":"That's all good.","start_word":1443,"end_word":1445,"sentiment":"neutral","sentiment_score":0.15025806427001953},{"text":"All good. Thank you. Have a good day.","start_word":1446,"end_word":1453,"sentiment":"positive","sentiment_score":0.6301850080490112},{"text":"But yeah. You too. Bye.","start_word":1454,"end_word":1458,"sentiment":"neutral","sentiment_score":0.20729029178619385}],"average":{"sentiment":"neutral","sentiment_score":0.12604421997070311}}}}