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I believe Kayden mentioned you wanted Camilla to be there as well. Is she there available? Hi, Camilla. How are you? That is excellent. Excellent. I just want to do a bit of a quick catch up because when we did the advice, we set the pension up, and you're getting those regular pension payments, which is fantastic. But the second stage that pension advice was that when your age pension application was approved, we were gonna just pull back and reduce the amount that you were drawing out of your your account based pension because you were sort of not needing as much money. I know inflation's a thing, and the cost of living and everything's still gone up. Are you finding you need that extra little bit of money to come out of that pension account with your Centrelink, or are you happy to kind of draw back how much you... You know, reduce how much you're drawing out of your age pension... Out of your account based pension? How do you feel? Yeah. No. That's absolutely fine. Yeah. That's okay. Mhmm. Yep. Yeah. Absolutely. Yeah. Yeah. That's fine. Yeah. That is absolutely fine. It was just part of the recommendations, just sort of looking at how much you needed to live on, and we sort of draw... We're drawing out that $17.36 on a fortnightly basis and then keeping your income coming in as a bit of a buffer. And the idea was that when you got the age pension... And I believe Kayden mentioned to me you're getting about $10 more than we'd recommended. You're about a 190 a fortnight. Is that right? Oh, fantastic. Excellent. I that worked out well. Yeah. No. That's perfect. Because in the recommendation, the math I had worked out manually was that... It was gonna be about $187.93 per fortnight. So you're actually getting $10 more than the math came out for my side of things. So I love that. That's excellent. But... Yeah. That's a... Sorry, Kimberly. You're right. Oh, is it? A fortnight? Okay. Beautiful. So you're getting a lot more. So 300 per fortnight. Yeah. So the recommendation was based on how much you were able to get from the age pension entitlement per fortnight, we were going to then reduce your account based pension withdrawal, basically, by that amount to make sure that you were still withdrawing what you needed to to cover your expenditure, but it was just sort of between the age pension and the and the account based pension side of things. But that is just the recommendation based on what you needed to live on originally. Because when we looked at your living expenses, you needed about $868 per week living expenses. And that can definitely change. But if you feel like at the moment you wanna keep the age pension entitlement plus what you're drawing out of hub 24 out of the account based pension and keep it as is, that's absolutely fine. I'll just make a final note for you that that's gonna stay as it is currently, and we don't need to make any changes there if that's what you're comfortable with. Yes. Mhmm. Yep. Yep. Come out of the blue. Yeah. Yep. Yeah. Absolutely. No. Honestly, that is absolutely fine. And, look, when we make the recommendation originally, it is more just looking at what your expenditure was, and how we make that expenditure work for you. But things definitely change, and I know the cost of food and fuel and everything else just keeps on going up for us. So if that's what you're both really happy with, that's absolutely fine. I will keep your pension payments from hub twenty four at that $17.36 per fortnight for you. You've still got your age pension entitlement coming in, which is great as well. And then we can just review that down the track and adjust it as needed. How does that sound? Beautiful. Sure. Technically, real... It really comes down to have you worked within that financial year, have you earned any technically taxable income? You don't have to when you are drawing from your a... From the account based pension because that is all separate. But Centrelink can... And the age pension is technically a taxable payment. So I would probably just check with Centrelink to see whether they want a tax return completed every year. More often than not, they don't, and you generally stop after you stopped working and haven't worked a full a full... Sorry. A full further to a year. Yeah. That's the one I'm looking for. Sorry. So, realistically, you shouldn't have to. Centrelink can request that you do so. You could also just speak to your accountant when you do your last tax return and go, hey. Look. This is what I'm receiving. Is it worth doing a tax return? Do you think the ATO is gonna want one done? And your accountant can also give you that information as well. But more often than not, we find people, once they stop working, have it worked the next financial year, are just receiving Centrelink benefits or age pension, and drawing out of their super, they stop doing a tax return. But, yeah, like, you... What you... Comes out of your super, that is account based pension, and that is completely income tax free. So you don't have to worry about noting that down at all. Yeah. That's okay. That's not a problem at all. Well, I'll make a note that we're not gonna reduce the pension payments from here at the moment. We'll keep them exactly as they are. If anything comes up, please let me know. I'm more than happy to sort of help out and answer any questions or readjust things if you find you need anything additional there. The only thing I was probably gonna ask is if... Camilla, do you still happen to have my email address handy? Yeah. I was just gonna ask if you guys could grab me a copy of the most recent statement from Centrelink that shows the age pension entitlement and how much you're getting just so I can add that to the file just for future reference for here for running to the annual reviews and things like that, if that's okay. Awesome. Sounds good. Oh, thank you so much, Camilla. I do appreciate that. Is there any... Yes. Sorry. Yeah. Absolutely fine. That's not a problem at all. I can always shoot another email through to Neil if you do need me to pop that through just so you've got my email at the front there at the top of your inbox if you need to as well. Yeah. Excellent. Is there any other questions or concerns or anything else you need from me at the moment? No? That's okay. Yeah. Yeah. Let's have a look and see how we're doing at the moment. Everything has been going quite nicely. I've been really happy with it, but let me just pull up a quick report there for you. I'll just go from here. Sorry. It's just loading. No. Now I've gotta do it manually. Sorry. It's just taking a second to load. Beautiful. Okay. So having a look at where things are sort of tracking. Since July, everything has been going quite nicely here. Essentially, you're up by just under 1%. That's very normal for it being such a short time frame. But in that less than 1% increase, the earnings, the growth, and the income that's being produced out of your pension account is over $5,416. So it is working. It is doing what we need to. The returns are gonna be a little bit less this year because of the ups and downs the market has definitely seen, but that return definitely helps with being able to draw down income payments there for you. So it is working and doing exactly what we want it to. Yeah. Beautiful. Yeah. I'll keep watching it and do a bit of a catch up with you in the next few months. Did you want me to do a catch up with you maybe just after Christmas or before Christmas? Or when would you like the next catch up? Yeah. When we come back in January? Easy. Beautiful. That's okay. If you both need anything over the next few months, let me know. I'll get my team to give you a call after Christmas break, and we'll book you back in for a catch up to see how things are tracking for you. The only other thing to let you know, Neil, is that we do need to update your ongoing service agreement. So I'll get the team to resend that out to you. Your ongoing service fee just stays at that 1.65% for the next twelve months. Are you happy for us to resend that out to you today? Beautiful. Excellent. Do you have any questions about the ongoing service agreement? No. That's okay. It's pretty stock standard. You've done it a few times before. Yeah. All good. I'll get that one sent out for you today. If you can just sign and return that back, it'll be in your email shortly. And then that just allows us to continue providing our services and looking after things for you. And I'll make sure we touch base in January if I haven't heard from you beforehand. Okay? At the moment, it is. Yeah. Yep. Yeah. Yeah. We do one every year with you to renew it. Yeah. Yep. Perfect. Well, Google, if there's anything else if there's anything else you need, let me know. Otherwise, if I don't talk to you beforehand, I hope you both have a wonderful Christmas. Oh, I bet you do. Nice. Yep. Yeah. Oh, wow. Yeah. No. Yeah. Yeah. Wow. Yeah. Yep. Oh, wow. Yeah. Wow. Yeah. Wow. Yeah. Yes. Yeah. Yeah. Yeah. Yeah. No. I've heard that. We have the same thing with our council. They're very strict about that. And I was like, well, they're protruding on my property. I'm gonna knock my fence over, and I've had to put a notice into my council to see if I can get something removed too. Yeah. Yeah. Yes. Ow. Yeah. Yep. Yeah. Yeah. That's okay. That's okay. It's an absolute pleasure to catch up with you. I'm glad things are working well for you, and you let me know if there's anything else you need. I'm always happy to help. My pleasure. Enjoy your afternoon. Thanks so much, Neil. Thanks. Thanks, Camilla. Have a great afternoon. Thank you,. See you later. I've got another hour and a bit to go, another hour and a half. So... Yeah. You too. Thanks so much. See you later. 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Neil. It's Dana from OQ Financial. How are you today? That's good. I had you booked in for a bit of a quick catch up.\n\nIs now still a good time there for you? Yep. Beautiful. I believe Kayden mentioned you wanted Camilla to be there as well. Is she there available?\n\nHi, Camilla. How are you? That is excellent. Excellent. I just want to do a bit of a quick catch up because when we did the advice, we set the pension up, and you're getting those regular pension payments, which is fantastic.\n\nBut the second stage that pension advice was that when your age pension application was approved, we were gonna just pull back and reduce the amount that you were drawing out of your your account based pension because you were sort of not needing as much money. I know inflation's a thing, and the cost of living and everything's still gone up. Are you finding you need that extra little bit of money to come out of that pension account with your Centrelink, or are you happy to kind of draw back how much you... You know, reduce how much you're drawing out of your age pension... Out of your account based pension?\n\nHow do you feel? Yeah. No. That's absolutely fine. Yeah.\n\nThat's okay. Mhmm. Yep. Yeah. Absolutely.\n\nYeah. Yeah. That's fine. Yeah. That is absolutely fine.\n\nIt was just part of the recommendations, just sort of looking at how much you needed to live on, and we sort of draw... We're drawing out that $17.36 on a fortnightly basis and then keeping your income coming in as a bit of a buffer. And the idea was that when you got the age pension... And I believe Kayden mentioned to me you're getting about $10 more than we'd recommended. You're about a 190 a fortnight.\n\nIs that right? Oh, fantastic. Excellent. I that worked out well. Yeah.\n\nNo. That's perfect. Because in the recommendation, the math I had worked out manually was that... It was gonna be about $187.93 per fortnight. So you're actually getting $10 more than the math came out for my side of things.\n\nSo I love that. That's excellent. But... Yeah. That's a...\n\nSorry, Kimberly. You're right. Oh, is it? A fortnight? Okay.\n\nBeautiful. So you're getting a lot more. So 300 per fortnight. Yeah. So the recommendation was based on how much you were able to get from the age pension entitlement per fortnight, we were going to then reduce your account based pension withdrawal, basically, by that amount to make sure that you were still withdrawing what you needed to to cover your expenditure, but it was just sort of between the age pension and the and the account based pension side of things.\n\nBut that is just the recommendation based on what you needed to live on originally. Because when we looked at your living expenses, you needed about $868 per week living expenses. And that can definitely change. But if you feel like at the moment you wanna keep the age pension entitlement plus what you're drawing out of hub 24 out of the account based pension and keep it as is, that's absolutely fine. I'll just make a final note for you that that's gonna stay as it is currently, and we don't need to make any changes there if that's what you're comfortable with.\n\nYes. Mhmm. Yep. Yep. Come out of the blue.\n\nYeah. Yep. Yeah. Absolutely. No.\n\nHonestly, that is absolutely fine. And, look, when we make the recommendation originally, it is more just looking at what your expenditure was, and how we make that expenditure work for you. But things definitely change, and I know the cost of food and fuel and everything else just keeps on going up for us. So if that's what you're both really happy with, that's absolutely fine. I will keep your pension payments from hub twenty four at that $17.36 per fortnight for you.\n\nYou've still got your age pension entitlement coming in, which is great as well. And then we can just review that down the track and adjust it as needed. How does that sound? Beautiful. Sure.\n\nTechnically, real... It really comes down to have you worked within that financial year, have you earned any technically taxable income? You don't have to when you are drawing from your a... From the account based pension because that is all separate. But Centrelink can...\n\nAnd the age pension is technically a taxable payment. So I would probably just check with Centrelink to see whether they want a tax return completed every year. More often than not, they don't, and you generally stop after you stopped working and haven't worked a full a full... Sorry. A full further to a year.\n\nYeah. That's the one I'm looking for. Sorry. So, realistically, you shouldn't have to. Centrelink can request that you do so.\n\nYou could also just speak to your accountant when you do your last tax return and go, hey. Look. This is what I'm receiving. Is it worth doing a tax return? Do you think the ATO is gonna want one done?\n\nAnd your accountant can also give you that information as well. But more often than not, we find people, once they stop working, have it worked the next financial year, are just receiving Centrelink benefits or age pension, and drawing out of their super, they stop doing a tax return. But, yeah, like, you... What you... Comes out of your super, that is account based pension, and that is completely income tax free.\n\nSo you don't have to worry about noting that down at all. Yeah. That's okay. That's not a problem at all. Well, I'll make a note that we're not gonna reduce the pension payments from here at the moment.\n\nWe'll keep them exactly as they are. If anything comes up, please let me know. I'm more than happy to sort of help out and answer any questions or readjust things if you find you need anything additional there. The only thing I was probably gonna ask is if... Camilla, do you still happen to have my email address handy?\n\nYeah. I was just gonna ask if you guys could grab me a copy of the most recent statement from Centrelink that shows the age pension entitlement and how much you're getting just so I can add that to the file just for future reference for here for running to the annual reviews and things like that, if that's okay. Awesome. Sounds good. Oh, thank you so much, Camilla.\n\nI do appreciate that. Is there any... Yes. Sorry. Yeah.\n\nAbsolutely fine. That's not a problem at all. I can always shoot another email through to Neil if you do need me to pop that through just so you've got my email at the front there at the top of your inbox if you need to as well. Yeah. Excellent.\n\nIs there any other questions or concerns or anything else you need from me at the moment? No? That's okay. Yeah. Yeah.\n\nLet's have a look and see how we're doing at the moment. Everything has been going quite nicely. I've been really happy with it, but let me just pull up a quick report there for you. I'll just go from here. Sorry.\n\nIt's just loading. No. Now I've gotta do it manually. Sorry. It's just taking a second to load.\n\nBeautiful. Okay. So having a look at where things are sort of tracking. Since July, everything has been going quite nicely here. Essentially, you're up by just under 1%.\n\nThat's very normal for it being such a short time frame. But in that less than 1% increase, the earnings, the growth, and the income that's being produced out of your pension account is over $5,416. So it is working. It is doing what we need to. The returns are gonna be a little bit less this year because of the ups and downs the market has definitely seen, but that return definitely helps with being able to draw down income payments there for you.\n\nSo it is working and doing exactly what we want it to. Yeah. Beautiful. Yeah. I'll keep watching it and do a bit of a catch up with you in the next few months.\n\nDid you want me to do a catch up with you maybe just after Christmas or before Christmas? Or when would you like the next catch up? Yeah. When we come back in January? Easy.\n\nBeautiful. That's okay. If you both need anything over the next few months, let me know. I'll get my team to give you a call after Christmas break, and we'll book you back in for a catch up to see how things are tracking for you. The only other thing to let you know, Neil, is that we do need to update your ongoing service agreement.\n\nSo I'll get the team to resend that out to you. Your ongoing service fee just stays at that 1.65% for the next twelve months. Are you happy for us to resend that out to you today? Beautiful. Excellent.\n\nDo you have any questions about the ongoing service agreement? No. That's okay. It's pretty stock standard. You've done it a few times before.\n\nYeah. All good. I'll get that one sent out for you today. If you can just sign and return that back, it'll be in your email shortly. And then that just allows us to continue providing our services and looking after things for you.\n\nAnd I'll make sure we touch base in January if I haven't heard from you beforehand. Okay? At the moment, it is. Yeah. Yep.\n\nYeah. Yeah. We do one every year with you to renew it. Yeah. Yep.\n\nPerfect. Well, Google, if there's anything else if there's anything else you need, let me know. Otherwise, if I don't talk to you beforehand, I hope you both have a wonderful Christmas. Oh, I bet you do. Nice.\n\nYep. Yeah. Oh, wow. Yeah. No.\n\nYeah. Yeah. Wow. Yeah. Yep.\n\nOh, wow. Yeah. Wow. Yeah. Wow.\n\nYeah. Yes. Yeah. Yeah. Yeah.\n\nYeah. No. I've heard that. We have the same thing with our council. They're very strict about that.\n\nAnd I was like, well, they're protruding on my property. I'm gonna knock my fence over, and I've had to put a notice into my council to see if I can get something removed too. Yeah. Yeah. Yes.\n\nOw. Yeah. Yep. Yeah. Yeah.\n\nThat's okay. That's okay. It's an absolute pleasure to catch up with you. I'm glad things are working well for you, and you let me know if there's anything else you need. I'm always happy to help.\n\nMy pleasure. Enjoy your afternoon. Thanks so much, Neil. Thanks. Thanks, Camilla.\n\nHave a great afternoon. Thank you,. See you later. I've got another hour and a bit to go, another hour and a half. So...\n\nYeah. You too. Thanks so much. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Neil.","start":2.3999999,"end":2.8799999,"sentiment":"neutral","sentiment_score":0.14292915165424347},{"text":"It's Dana from OQ Financial.","start":2.8799999,"end":4.5,"sentiment":"neutral","sentiment_score":0.1607961729168892},{"text":"How are you today?","start":4.56,"end":5.46,"sentiment":"neutral","sentiment_score":0.20166582614183426},{"text":"That's good.","start":7.7599998,"end":8.88,"sentiment":"positive","sentiment_score":0.6362309753894806},{"text":"I had you booked in for a bit of a quick catch up.","start":8.88,"end":10.96,"sentiment":"positive","sentiment_score":0.339390462407699}],"sentiment":"neutral","sentiment_score":0.29157847825151223,"num_words":26,"start":2.3999999,"end":10.96},{"sentences":[{"text":"Is now still a good time there for you?","start":10.96,"end":13.059999,"sentiment":"neutral","sentiment_score":0.31213435530662537},{"text":"Yep.","start":14.639999,"end":15.015,"sentiment":"neutral","sentiment_score":0.1584046185016632},{"text":"Beautiful.","start":15.255,"end":15.755,"sentiment":"positive","sentiment_score":0.5098630785942078},{"text":"I believe Kayden mentioned you wanted Camilla to be there as well.","start":16.615,"end":19.815,"sentiment":"neutral","sentiment_score":0.1576948364575704},{"text":"Is she there available?","start":19.815,"end":20.875,"sentiment":"neutral","sentiment_score":0.046234923414886}],"sentiment":"neutral","sentiment_score":0.2057316528150329,"num_words":27,"start":10.96,"end":20.875},{"sentences":[{"text":"Hi, Camilla.","start":23.654999,"end":24.475,"sentiment":"neutral","sentiment_score":0.12274488061666489},{"text":"How are you?","start":24.615,"end":25.435001,"sentiment":"neutral","sentiment_score":0.13426448653141657},{"text":"That is excellent.","start":27.895,"end":29.095001,"sentiment":"positive","sentiment_score":0.7299679716428121},{"text":"Excellent.","start":29.095001,"end":29.595001,"sentiment":"positive","sentiment_score":0.6262272000312805},{"text":"I just want to do a bit of a quick catch up because when we did the advice, we set the pension up, and you're getting those regular pension payments, which is fantastic.","start":30.18,"end":37.32,"sentiment":"neutral","sentiment_score":0.31470884360147244}],"sentiment":"neutral","sentiment_score":0.32975728987228303,"num_words":42,"start":23.654999,"end":37.32},{"sentences":[{"text":"But the second stage that pension advice was that when your age pension application was approved, we were gonna just pull back and reduce the amount that you were drawing out of your your account based pension because you were sort of not needing as much money.","start":37.940002,"end":55.964996,"sentiment":"neutral","sentiment_score":0.014301703489841298},{"text":"I know inflation's a thing, and the cost of living and everything's still gone up.","start":57.7,"end":62.84,"sentiment":"neutral","sentiment_score":-0.10855291932821273},{"text":"Are you finding you need that extra little bit of money to come out of that pension account with your Centrelink, or are you happy to kind of draw back how much you...","start":64.18,"end":74.865,"sentiment":"neutral","sentiment_score":0.006894882429729809},{"text":"You know, reduce how much you're drawing out of your age pension...","start":74.865,"end":77.525,"sentiment":"neutral","sentiment_score":-0.03408850450068712},{"text":"Out of your account based pension?","start":77.665,"end":78.945,"sentiment":"neutral","sentiment_score":-0.04806346260011196}],"sentiment":"neutral","sentiment_score":-0.012619694117951183,"num_words":113,"start":37.940002,"end":78.945},{"sentences":[{"text":"How do you feel?","start":78.945,"end":79.925,"sentiment":"neutral","sentiment_score":-0.049150793813169},{"text":"Yeah.","start":86.0,"end":86.5,"sentiment":"neutral","sentiment_score":0.0199754498898983},{"text":"No.","start":88.32,"end":88.56,"sentiment":"neutral","sentiment_score":-0.05619402974843979},{"text":"That's absolutely fine.","start":88.56,"end":89.86,"sentiment":"neutral","sentiment_score":-0.008553000167012215},{"text":"Yeah.","start":90.0,"end":90.24,"sentiment":"neutral","sentiment_score":-0.025299206376075745}],"sentiment":"neutral","sentiment_score":-0.028377996198832987,"num_words":10,"start":78.945,"end":90.24},{"sentences":[{"text":"That's okay.","start":90.24,"end":91.06,"sentiment":"neutral","sentiment_score":-0.056397879496216774},{"text":"Mhmm.","start":97.575,"end":98.075,"sentiment":"neutral","sentiment_score":-0.06080337241292},{"text":"Yep.","start":104.4225,"end":104.9225,"sentiment":"neutral","sentiment_score":-0.026918724179267883},{"text":"Yeah.","start":111.509995,"end":112.009995,"sentiment":"neutral","sentiment_score":-0.0164477676153183},{"text":"Absolutely.","start":114.549995,"end":115.049995,"sentiment":"neutral","sentiment_score":-0.03592455014586449}],"sentiment":"neutral","sentiment_score":-0.042148362224300705,"num_words":6,"start":90.24,"end":115.049995},{"sentences":[{"text":"Yeah.","start":120.549995,"end":121.049995,"sentiment":"neutral","sentiment_score":-0.03503263741731644},{"text":"Yeah.","start":128.005,"end":128.505,"sentiment":"neutral","sentiment_score":0.1282774955034256},{"text":"That's fine.","start":128.645,"end":129.545,"sentiment":"neutral","sentiment_score":0.2553836703300476},{"text":"Yeah.","start":131.045,"end":131.545,"sentiment":"neutral","sentiment_score":0.31545665860176086},{"text":"That is absolutely fine.","start":132.645,"end":134.405,"sentiment":"positive","sentiment_score":0.6652530580759048}],"sentiment":"positive","sentiment_score":0.3978312321835094,"num_words":9,"start":120.549995,"end":134.405},{"sentences":[{"text":"It was just part of the recommendations, just sort of looking at how much you needed to live on, and we sort of draw...","start":134.405,"end":139.99,"sentiment":"neutral","sentiment_score":0.08173239060367148},{"text":"We're drawing out that $17.36 on a fortnightly basis and then keeping your income coming in as a bit of a buffer.","start":140.13,"end":148.31,"sentiment":"neutral","sentiment_score":0.10471450537443161},{"text":"And the idea was that when you got the age pension...","start":148.93001,"end":151.33,"sentiment":"neutral","sentiment_score":0.032668971329588785},{"text":"And I believe Kayden mentioned to me you're getting about $10 more than we'd recommended.","start":151.33,"end":155.295,"sentiment":"neutral","sentiment_score":0.04390520403782527},{"text":"You're about a 190 a fortnight.","start":155.295,"end":158.11499,"sentiment":"neutral","sentiment_score":0.02353176660835743}],"sentiment":"neutral","sentiment_score":0.06954389535344373,"num_words":78,"start":134.405,"end":158.11499},{"sentences":[{"text":"Is that right?","start":158.17499,"end":158.915,"sentiment":"neutral","sentiment_score":0.018180069513618946},{"text":"Oh, fantastic.","start":163.135,"end":164.11499,"sentiment":"positive","sentiment_score":0.5619618892669678},{"text":"Excellent.","start":164.81499,"end":165.295,"sentiment":"positive","sentiment_score":0.5624711513519287},{"text":"I that worked out well.","start":165.295,"end":167.55,"sentiment":"positive","sentiment_score":0.6294150829315186},{"text":"Yeah.","start":172.09,"end":172.57,"sentiment":"neutral","sentiment_score":0.12437143176794052}],"sentiment":"positive","sentiment_score":0.4176984987376879,"num_words":12,"start":158.17499,"end":172.57},{"sentences":[{"text":"No.","start":172.57,"end":172.81,"sentiment":"neutral","sentiment_score":0.06462959945201874},{"text":"That's perfect.","start":172.81,"end":173.29001,"sentiment":"positive","sentiment_score":0.39719122648239136},{"text":"Because in the recommendation, the math I had worked out manually was that...","start":173.29001,"end":176.81,"sentiment":"neutral","sentiment_score":0.12237043908009163},{"text":"It was gonna be about $187.93 per fortnight.","start":176.81,"end":180.215,"sentiment":"neutral","sentiment_score":0.11899135913699865},{"text":"So you're actually getting $10 more than the math came out for my side of things.","start":180.215,"end":185.015,"sentiment":"positive","sentiment_score":0.3676842972636223}],"sentiment":"neutral","sentiment_score":0.23211768474429845,"num_words":40,"start":172.57,"end":185.015},{"sentences":[{"text":"So I love that.","start":185.015,"end":185.97499,"sentiment":"positive","sentiment_score":0.7275349050760269},{"text":"That's excellent.","start":185.97499,"end":186.715,"sentiment":"positive","sentiment_score":0.6766036152839661},{"text":"But...","start":187.89499,"end":188.215,"sentiment":"neutral","sentiment_score":0.08656293153762817},{"text":"Yeah.","start":188.215,"end":188.715,"sentiment":"neutral","sentiment_score":0.034971605986356735},{"text":"That's a...","start":189.655,"end":190.70999,"sentiment":"neutral","sentiment_score":0.007330238353461026}],"sentiment":"positive","sentiment_score":0.43995418651029466,"num_words":10,"start":185.015,"end":190.70999},{"sentences":[{"text":"Sorry, Kimberly.","start":190.70999,"end":191.59,"sentiment":"neutral","sentiment_score":-0.02053488022647798},{"text":"You're right.","start":191.59,"end":192.17,"sentiment":"neutral","sentiment_score":0.024321649223566055},{"text":"Oh, is it?","start":198.47,"end":199.29,"sentiment":"neutral","sentiment_score":-0.009028847018877665},{"text":"A fortnight?","start":202.23,"end":202.89,"sentiment":"neutral","sentiment_score":-0.01108339591883123},{"text":"Okay.","start":204.79,"end":205.29,"sentiment":"neutral","sentiment_score":0.1462356001138687}],"sentiment":"neutral","sentiment_score":0.01045558052137494,"num_words":10,"start":190.70999,"end":205.29},{"sentences":[{"text":"Beautiful.","start":205.695,"end":206.195,"sentiment":"positive","sentiment_score":0.4987108111381531},{"text":"So you're getting a lot more.","start":206.335,"end":207.295,"sentiment":"neutral","sentiment_score":0.10046014562249184},{"text":"So 300 per fortnight.","start":207.295,"end":208.91501,"sentiment":"neutral","sentiment_score":0.030569016933441162},{"text":"Yeah.","start":216.335,"end":216.735,"sentiment":"neutral","sentiment_score":-0.07115441560745239},{"text":"So the recommendation was based on how much you were able to get from the age pension entitlement per fortnight, we were going to then reduce your account based pension withdrawal, basically, by that amount to make sure that you were still withdrawing what you needed to to cover your expenditure, but it was just sort of between the age pension and the and the account based pension side of things.","start":216.735,"end":243.425,"sentiment":"neutral","sentiment_score":0.08956091074456632}],"sentiment":"neutral","sentiment_score":0.0904990120465497,"num_words":83,"start":205.695,"end":243.425},{"sentences":[{"text":"But that is just the recommendation based on what you needed to live on originally.","start":243.425,"end":248.005,"sentiment":"neutral","sentiment_score":0.13230050106843314},{"text":"Because when we looked at your living expenses, you needed about $868 per week living expenses.","start":248.065,"end":253.88,"sentiment":"neutral","sentiment_score":0.04590374557301402},{"text":"And that can definitely change.","start":254.58,"end":256.1,"sentiment":"neutral","sentiment_score":0.07225400507450104},{"text":"But if you feel like at the moment you wanna keep the age pension entitlement plus what you're drawing out of hub 24 out of the account based pension and keep it as is, that's absolutely fine.","start":256.1,"end":267.215,"sentiment":"neutral","sentiment_score":0.2222650216237919},{"text":"I'll just make a final note for you that that's gonna stay as it is currently, and we don't need to make any changes there if that's what you're comfortable with.","start":267.215,"end":275.1,"sentiment":"positive","sentiment_score":0.3414794463784464}],"sentiment":"neutral","sentiment_score":0.21047986642672464,"num_words":104,"start":243.425,"end":275.1},{"sentences":[{"text":"Yes.","start":286.78,"end":287.02002,"sentiment":"neutral","sentiment_score":0.007376931607723236},{"text":"Mhmm.","start":287.02002,"end":287.475,"sentiment":"neutral","sentiment_score":-0.000576486811041832},{"text":"Yep.","start":292.67502,"end":293.17502,"sentiment":"neutral","sentiment_score":-0.029276691377162933},{"text":"Yep.","start":300.835,"end":301.2,"sentiment":"neutral","sentiment_score":-0.006269039120525122},{"text":"Come out of the blue.","start":305.04,"end":306.1,"sentiment":"neutral","sentiment_score":0.011734666302800179}],"sentiment":"neutral","sentiment_score":0.003325338423666027,"num_words":9,"start":286.78,"end":306.1},{"sentences":[{"text":"Yeah.","start":306.32,"end":306.82,"sentiment":"neutral","sentiment_score":0.04527990520000458},{"text":"Yep.","start":307.44,"end":307.94,"sentiment":"neutral","sentiment_score":0.040741514414548874},{"text":"Yeah.","start":324.495,"end":324.995,"sentiment":"neutral","sentiment_score":0.05940185487270355},{"text":"Absolutely.","start":325.29498,"end":325.79498,"sentiment":"neutral","sentiment_score":0.03366541117429733},{"text":"No.","start":326.175,"end":326.57498,"sentiment":"neutral","sentiment_score":-0.0638602003455162}],"sentiment":"neutral","sentiment_score":0.023045697063207627,"num_words":5,"start":306.32,"end":326.57498},{"sentences":[{"text":"Honestly, that is absolutely fine.","start":326.57498,"end":328.08002,"sentiment":"positive","sentiment_score":0.6617086291313171},{"text":"And, look, when we make the recommendation originally, it is more just looking at what your expenditure was, and how we make that expenditure work for you.","start":328.08002,"end":336.42,"sentiment":"neutral","sentiment_score":0.09917348926817929},{"text":"But things definitely change, and I know the cost of food and fuel and everything else just keeps on going up for us.","start":336.72,"end":342.56,"sentiment":"neutral","sentiment_score":0.2204392189564912},{"text":"So if that's what you're both really happy with, that's absolutely fine.","start":342.56,"end":346.715,"sentiment":"positive","sentiment_score":0.5578632106383642},{"text":"I will keep your pension payments from hub twenty four at that $17.36 per fortnight for you.","start":346.715,"end":353.035,"sentiment":"positive","sentiment_score":0.45073674882159515}],"sentiment":"neutral","sentiment_score":0.3025382458276692,"num_words":84,"start":326.57498,"end":353.035},{"sentences":[{"text":"You've still got your age pension entitlement coming in, which is great as well.","start":353.035,"end":357.135,"sentiment":"positive","sentiment_score":0.7044990531035832},{"text":"And then we can just review that down the track and adjust it as needed.","start":357.72,"end":361.63998,"sentiment":"positive","sentiment_score":0.4011129220326742},{"text":"How does that sound?","start":361.63998,"end":362.78,"sentiment":"neutral","sentiment_score":0.25519029796123505},{"text":"Beautiful.","start":365.4,"end":365.9,"sentiment":"positive","sentiment_score":0.5005622506141663},{"text":"Sure.","start":368.59998,"end":369.09998,"sentiment":"neutral","sentiment_score":0.03528822585940361}],"sentiment":"positive","sentiment_score":0.49817977835025107,"num_words":35,"start":353.035,"end":369.09998},{"sentences":[{"text":"Technically, real...","start":376.135,"end":377.67502,"sentiment":"neutral","sentiment_score":-0.0024070097133517265},{"text":"It really comes down to have you worked within that financial year, have you earned any technically taxable income?","start":378.295,"end":386.13998,"sentiment":"neutral","sentiment_score":-0.010010450882347007},{"text":"You don't have to when you are drawing from your a...","start":386.43997,"end":389.81998,"sentiment":"neutral","sentiment_score":-0.010141701987859878},{"text":"From the account based pension because that is all separate.","start":389.96,"end":393.9,"sentiment":"neutral","sentiment_score":0.0038538873195648193},{"text":"But Centrelink can...","start":395.24,"end":397.63498,"sentiment":"neutral","sentiment_score":0.011442798189818859}],"sentiment":"neutral","sentiment_score":-0.005193423117614455,"num_words":45,"start":376.135,"end":397.63498},{"sentences":[{"text":"And the age pension is technically a taxable payment.","start":397.63498,"end":400.69498,"sentiment":"neutral","sentiment_score":-0.017498217316137418},{"text":"So I would probably just check with Centrelink to see whether they want a tax return completed every year.","start":400.835,"end":407.335,"sentiment":"neutral","sentiment_score":-0.005531371129970802},{"text":"More often than not, they don't, and you generally stop after you stopped working and haven't worked a full a full...","start":407.555,"end":415.15997,"sentiment":"neutral","sentiment_score":-0.06948226690292358},{"text":"Sorry.","start":416.65997,"end":416.97998,"sentiment":"neutral","sentiment_score":-0.0508466511964798},{"text":"A full further to a year.","start":416.97998,"end":418.34,"sentiment":"neutral","sentiment_score":-0.03390243090689182}],"sentiment":"neutral","sentiment_score":-0.03528515801631978,"num_words":56,"start":397.63498,"end":418.34},{"sentences":[{"text":"Yeah.","start":418.34,"end":418.5,"sentiment":"neutral","sentiment_score":0.05727262794971466},{"text":"That's the one I'm looking for.","start":418.5,"end":419.69998,"sentiment":"neutral","sentiment_score":0.07311522588133812},{"text":"Sorry.","start":419.69998,"end":420.19998,"sentiment":"neutral","sentiment_score":-0.010075286030769348},{"text":"So, realistically, you shouldn't have to.","start":420.81998,"end":422.865,"sentiment":"neutral","sentiment_score":0.0030558623063067594},{"text":"Centrelink can request that you do so.","start":423.345,"end":425.60498,"sentiment":"neutral","sentiment_score":0.07149082954440798}],"sentiment":"neutral","sentiment_score":0.04784093704074621,"num_words":21,"start":418.34,"end":425.60498},{"sentences":[{"text":"You could also just speak to your accountant when you do your last tax return and go, hey.","start":426.22498,"end":430.065,"sentiment":"neutral","sentiment_score":0.053737480814258255},{"text":"Look.","start":430.065,"end":430.305,"sentiment":"neutral","sentiment_score":0.06841099262237549},{"text":"This is what I'm receiving.","start":430.305,"end":431.60498,"sentiment":"neutral","sentiment_score":0.083810755610466},{"text":"Is it worth doing a tax return?","start":431.82498,"end":433.505,"sentiment":"neutral","sentiment_score":0.05424179456063679},{"text":"Do you think the ATO is gonna want one done?","start":433.505,"end":436.005,"sentiment":"neutral","sentiment_score":0.029011201299726962}],"sentiment":"neutral","sentiment_score":0.05181814634763613,"num_words":41,"start":426.22498,"end":436.005},{"sentences":[{"text":"And your accountant can also give you that information as well.","start":436.41,"end":439.61002,"sentiment":"neutral","sentiment_score":0.05929699878800999},{"text":"But more often than not, we find people, once they stop working, have it worked the next financial year, are just receiving Centrelink benefits or age pension, and drawing out of their super, they stop doing a tax return.","start":439.61002,"end":451.39,"sentiment":"neutral","sentiment_score":0.060131472224990525},{"text":"But, yeah, like, you...","start":452.70502,"end":453.745,"sentiment":"neutral","sentiment_score":0.0756415855139494},{"text":"What you...","start":453.745,"end":454.14502,"sentiment":"neutral","sentiment_score":0.09621260687708855},{"text":"Comes out of your super, that is account based pension, and that is completely income tax free.","start":454.14502,"end":459.58502,"sentiment":"neutral","sentiment_score":0.2818993540371166}],"sentiment":"neutral","sentiment_score":0.11348869832717393,"num_words":73,"start":436.41,"end":459.58502},{"sentences":[{"text":"So you don't have to worry about noting that down at all.","start":459.58502,"end":462.325,"sentiment":"neutral","sentiment_score":0.27353613326946896},{"text":"Yeah.","start":464.305,"end":464.76,"sentiment":"positive","sentiment_score":0.3914189636707306},{"text":"That's okay.","start":465.72,"end":466.52002,"sentiment":"positive","sentiment_score":0.41843144595623016},{"text":"That's not a problem at all.","start":466.52002,"end":467.88,"sentiment":"positive","sentiment_score":0.5083991934855779},{"text":"Well, I'll make a note that we're not gonna reduce the pension payments from here at the moment.","start":467.88,"end":472.6,"sentiment":"neutral","sentiment_score":0.15154214348230097}],"sentiment":"neutral","sentiment_score":0.2638171589336334,"num_words":39,"start":459.58502,"end":472.6},{"sentences":[{"text":"We'll keep them exactly as they are.","start":472.6,"end":474.7,"sentiment":"neutral","sentiment_score":0.25580122215407236},{"text":"If anything comes up, please let me know.","start":475.24002,"end":477.16,"sentiment":"neutral","sentiment_score":0.17266306467354298},{"text":"I'm more than happy to sort of help out and answer any questions or readjust things if you find you need anything additional there.","start":477.16,"end":484.235,"sentiment":"positive","sentiment_score":0.43628714978694916},{"text":"The only thing I was probably gonna ask is if...","start":484.775,"end":487.51498,"sentiment":"neutral","sentiment_score":0.04909563139081001},{"text":"Camilla, do you still happen to have my email address handy?","start":487.655,"end":490.555,"sentiment":"neutral","sentiment_score":0.010943167419596151}],"sentiment":"neutral","sentiment_score":0.23756893038128812,"num_words":60,"start":472.6,"end":490.555},{"sentences":[{"text":"Yeah.","start":493.18997,"end":493.43,"sentiment":"neutral","sentiment_score":0.06676377356052399},{"text":"I was just gonna ask if you guys could grab me a copy of the most recent statement from Centrelink that shows the age pension entitlement and how much you're getting just so I can add that to the file just for future reference for here for running to the annual reviews and things like that, if that's okay.","start":493.43,"end":510.435,"sentiment":"neutral","sentiment_score":0.10450971637994556},{"text":"Awesome.","start":513.135,"end":513.375,"sentiment":"positive","sentiment_score":0.46666157245635986},{"text":"Sounds good.","start":513.375,"end":514.195,"sentiment":"positive","sentiment_score":0.44355960190296173},{"text":"Oh, thank you so much, Camilla.","start":515.455,"end":517.135,"sentiment":"positive","sentiment_score":0.3459666321674983}],"sentiment":"neutral","sentiment_score":0.1400350378151389,"num_words":69,"start":493.18997,"end":517.135},{"sentences":[{"text":"I do appreciate that.","start":517.135,"end":518.58,"sentiment":"positive","sentiment_score":0.42803187668323517},{"text":"Is there any...","start":519.3,"end":520.2,"sentiment":"neutral","sentiment_score":0.0925041635831197},{"text":"Yes.","start":521.14,"end":521.46,"sentiment":"neutral","sentiment_score":0.058583881705999374},{"text":"Sorry.","start":521.46,"end":521.96,"sentiment":"neutral","sentiment_score":0.07698746025562286},{"text":"Yeah.","start":525.54004,"end":526.02,"sentiment":"neutral","sentiment_score":0.13858595490455627}],"sentiment":"neutral","sentiment_score":0.22637972943484783,"num_words":10,"start":517.135,"end":526.02},{"sentences":[{"text":"Absolutely fine.","start":526.02,"end":526.98004,"sentiment":"neutral","sentiment_score":0.26709072291851044},{"text":"That's not a problem at all.","start":526.98004,"end":528.26,"sentiment":"positive","sentiment_score":0.3586021661758423},{"text":"I can always shoot another email through to Neil if you do need me to pop that through just so you've got my email at the front there at the top of your inbox if you need to as well.","start":528.26,"end":537.415,"sentiment":"neutral","sentiment_score":0.2619855135679245},{"text":"Yeah.","start":539.475,"end":539.975,"sentiment":"positive","sentiment_score":0.3693449497222901},{"text":"Excellent.","start":540.27496,"end":540.77496,"sentiment":"positive","sentiment_score":0.5363836288452148}],"sentiment":"neutral","sentiment_score":0.2814188712835312,"num_words":50,"start":526.02,"end":540.77496},{"sentences":[{"text":"Is there any other questions or concerns or anything else you need from me at the moment?","start":541.71497,"end":545.735,"sentiment":"neutral","sentiment_score":0.1806426433955922},{"text":"No?","start":549.23004,"end":549.73004,"sentiment":"neutral","sentiment_score":-0.15110433101654053},{"text":"That's okay.","start":550.67004,"end":551.49005,"sentiment":"neutral","sentiment_score":0.1745835393667221},{"text":"Yeah.","start":554.83,"end":555.23004,"sentiment":"neutral","sentiment_score":0.08251437544822693},{"text":"Yeah.","start":555.23004,"end":555.47003,"sentiment":"neutral","sentiment_score":0.1221109926700592}],"sentiment":"neutral","sentiment_score":0.15789150243455713,"num_words":22,"start":541.71497,"end":555.47003},{"sentences":[{"text":"Let's have a look and see how we're doing at the moment.","start":555.47003,"end":558.21,"sentiment":"neutral","sentiment_score":0.15630380374689898},{"text":"Everything has been going quite nicely.","start":558.35004,"end":560.11005,"sentiment":"positive","sentiment_score":0.6062812010447184},{"text":"I've been really happy with it, but let me just pull up a quick report there for you.","start":560.11005,"end":563.815,"sentiment":"positive","sentiment_score":0.3818200644519594},{"text":"I'll just go from here.","start":564.835,"end":566.375,"sentiment":"neutral","sentiment_score":0.08209156692028045},{"text":"Sorry.","start":570.59503,"end":570.915,"sentiment":"neutral","sentiment_score":-0.07662729173898697}],"sentiment":"neutral","sentiment_score":0.3028553465292567,"num_words":42,"start":555.47003,"end":570.915},{"sentences":[{"text":"It's just loading.","start":570.915,"end":571.895,"sentiment":"neutral","sentiment_score":-0.1032980556289355},{"text":"No.","start":586.13,"end":586.63,"sentiment":"neutral","sentiment_score":-0.08224821090698242},{"text":"Now I've gotta do it manually.","start":586.905,"end":592.125,"sentiment":"neutral","sentiment_score":-0.0709501535942157},{"text":"Sorry.","start":593.30505,"end":593.80505,"sentiment":"neutral","sentiment_score":-0.046751029789447784},{"text":"It's just taking a second to load.","start":596.265,"end":598.60504,"sentiment":"neutral","sentiment_score":-0.007392457287226405}],"sentiment":"neutral","sentiment_score":-0.05090786278661755,"num_words":18,"start":570.915,"end":598.60504},{"sentences":[{"text":"Beautiful.","start":600.6,"end":601.1,"sentiment":"positive","sentiment_score":0.3491641879081726},{"text":"Okay.","start":603.07996,"end":603.57996,"sentiment":"neutral","sentiment_score":0.14226527512073517},{"text":"So having a look at where things are sort of tracking.","start":603.63995,"end":606.94,"sentiment":"neutral","sentiment_score":0.13248933174393393},{"text":"Since July, everything has been going quite nicely here.","start":607.39996,"end":611.63995,"sentiment":"positive","sentiment_score":0.36194023821089005},{"text":"Essentially, you're up by just under 1%.","start":611.63995,"end":614.13995,"sentiment":"neutral","sentiment_score":0.16018737107515335}],"sentiment":"neutral","sentiment_score":0.21819261564262982,"num_words":29,"start":600.6,"end":614.13995},{"sentences":[{"text":"That's very normal for it being such a short time frame.","start":614.595,"end":618.055,"sentiment":"neutral","sentiment_score":0.06150156395001845},{"text":"But in that less than 1% increase, the earnings, the growth, and the income that's being produced out of your pension account is over $5,416.","start":618.675,"end":628.675,"sentiment":"neutral","sentiment_score":0.15102029770612715},{"text":"So it is working.","start":628.675,"end":630.62006,"sentiment":"positive","sentiment_score":0.4568403735756874},{"text":"It is doing what we need to.","start":630.62006,"end":631.9,"sentiment":"positive","sentiment_score":0.4824062841279166},{"text":"The returns are gonna be a little bit less this year because of the ups and downs the market has definitely seen, but that return definitely helps with being able to draw down income payments there for you.","start":631.9,"end":643.18005,"sentiment":"neutral","sentiment_score":0.15322254441286387}],"sentiment":"neutral","sentiment_score":0.1821021978469456,"num_words":85,"start":614.595,"end":643.18005},{"sentences":[{"text":"So it is working and doing exactly what we want it to.","start":643.18005,"end":646.96497,"sentiment":"positive","sentiment_score":0.4571896567940712},{"text":"Yeah.","start":648.785,"end":649.285,"sentiment":"neutral","sentiment_score":0.16787171363830566},{"text":"Beautiful.","start":649.82495,"end":650.32495,"sentiment":"positive","sentiment_score":0.4830195605754852},{"text":"Yeah.","start":651.105,"end":651.605,"sentiment":"neutral","sentiment_score":0.2271793931722641},{"text":"I'll keep watching it and do a bit of a catch up with you in the next few months.","start":651.82495,"end":655.185,"sentiment":"neutral","sentiment_score":0.16741560477959483}],"sentiment":"neutral","sentiment_score":0.28074244234491796,"num_words":34,"start":643.18005,"end":655.185},{"sentences":[{"text":"Did you want me to do a catch up with you maybe just after Christmas or before Christmas?","start":655.185,"end":660.18005,"sentiment":"neutral","sentiment_score":0.06997058623366886},{"text":"Or when would you like the next catch up?","start":660.18005,"end":662.12006,"sentiment":"neutral","sentiment_score":0.05054984324508243},{"text":"Yeah.","start":665.14,"end":665.54004,"sentiment":"neutral","sentiment_score":0.05849701911211014},{"text":"When we come back in January?","start":665.54004,"end":667.0,"sentiment":"neutral","sentiment_score":0.059133692334095635},{"text":"Easy.","start":667.30005,"end":667.80005,"sentiment":"neutral","sentiment_score":0.1620817333459854}],"sentiment":"neutral","sentiment_score":0.0654228585106986,"num_words":35,"start":655.185,"end":667.80005},{"sentences":[{"text":"Beautiful.","start":669.78,"end":670.28,"sentiment":"positive","sentiment_score":0.5757677555084229},{"text":"That's okay.","start":670.635,"end":671.35504,"sentiment":"neutral","sentiment_score":0.32593826949596405},{"text":"If you both need anything over the next few months, let me know.","start":671.35504,"end":674.73505,"sentiment":"neutral","sentiment_score":0.1243254215671466},{"text":"I'll get my team to give you a call after Christmas break, and we'll book you back in for a catch up to see how things are tracking for you.","start":674.79504,"end":681.135,"sentiment":"neutral","sentiment_score":0.15183216705918312},{"text":"The only other thing to let you know, Neil, is that we do need to update your ongoing service agreement.","start":681.435,"end":686.04,"sentiment":"neutral","sentiment_score":0.03820098452270031}],"sentiment":"neutral","sentiment_score":0.12367968904701146,"num_words":66,"start":669.78,"end":686.04},{"sentences":[{"text":"So I'll get the team to resend that out to you.","start":686.04,"end":688.76,"sentiment":"neutral","sentiment_score":0.07371212846853516},{"text":"Your ongoing service fee just stays at that 1.65% for the next twelve months.","start":689.08,"end":693.8,"sentiment":"neutral","sentiment_score":0.051689088344573975},{"text":"Are you happy for us to resend that out to you today?","start":693.8,"end":696.46,"sentiment":"neutral","sentiment_score":0.1843794584274292},{"text":"Beautiful.","start":698.65497,"end":699.15497,"sentiment":"positive","sentiment_score":0.5844531655311584},{"text":"Excellent.","start":699.535,"end":700.015,"sentiment":"positive","sentiment_score":0.6081374883651733}],"sentiment":"neutral","sentiment_score":0.12665704628213859,"num_words":39,"start":686.04,"end":700.015},{"sentences":[{"text":"Do you have any questions about the ongoing service agreement?","start":700.015,"end":702.755,"sentiment":"neutral","sentiment_score":0.13704148717224598},{"text":"No.","start":705.615,"end":706.015,"sentiment":"neutral","sentiment_score":-0.0302920825779438},{"text":"That's okay.","start":706.015,"end":706.915,"sentiment":"neutral","sentiment_score":0.014459483325481415},{"text":"It's pretty stock standard.","start":707.695,"end":709.135,"sentiment":"neutral","sentiment_score":0.23649129644036293},{"text":"You've done it a few times before.","start":709.135,"end":710.915,"sentiment":"neutral","sentiment_score":0.13012625383479254}],"sentiment":"neutral","sentiment_score":0.1344121132666866,"num_words":24,"start":700.015,"end":710.915},{"sentences":[{"text":"Yeah.","start":712.97,"end":713.29,"sentiment":"neutral","sentiment_score":0.28688961267471313},{"text":"All good.","start":713.29,"end":713.69,"sentiment":"positive","sentiment_score":0.5090407580137253},{"text":"I'll get that one sent out for you today.","start":713.69,"end":715.52997,"sentiment":"positive","sentiment_score":0.3609466254711151},{"text":"If you can just sign and return that back, it'll be in your email shortly.","start":715.52997,"end":718.67,"sentiment":"neutral","sentiment_score":0.2685290177663167},{"text":"And then that just allows us to continue providing our services and looking after things for you.","start":719.05,"end":723.79,"sentiment":"neutral","sentiment_score":0.3095543691340615}],"sentiment":"neutral","sentiment_score":0.3146329613571817,"num_words":44,"start":712.97,"end":723.79},{"sentences":[{"text":"And I'll make sure we touch base in January if I haven't heard from you beforehand.","start":724.25,"end":727.87,"sentiment":"neutral","sentiment_score":0.07584957336075604},{"text":"Okay?","start":731.905,"end":732.405,"sentiment":"neutral","sentiment_score":-0.027417635545134544},{"text":"At the moment, it is.","start":732.78503,"end":733.745,"sentiment":"neutral","sentiment_score":-0.028539119660854338},{"text":"Yeah.","start":733.745,"end":734.145,"sentiment":"neutral","sentiment_score":0.0012938594445586205},{"text":"Yep.","start":734.145,"end":734.645,"sentiment":"neutral","sentiment_score":0.010590340942144394}],"sentiment":"neutral","sentiment_score":0.043973505846224725,"num_words":24,"start":724.25,"end":734.645},{"sentences":[{"text":"Yeah.","start":738.385,"end":738.885,"sentiment":"neutral","sentiment_score":0.014887887053191662},{"text":"Yeah.","start":739.025,"end":739.42505,"sentiment":"neutral","sentiment_score":0.01949087530374527},{"text":"We do one every year with you to renew 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heard that.","start":925.24005,"end":925.96,"sentiment":"neutral","sentiment_score":-0.10505544890960057},{"text":"We have the same thing with our council.","start":925.96,"end":927.56,"sentiment":"neutral","sentiment_score":-0.13039907719939947},{"text":"They're very strict about that.","start":927.56,"end":929.0,"sentiment":"neutral","sentiment_score":-0.1883465528488159}],"sentiment":"neutral","sentiment_score":-0.13648568052384588,"num_words":18,"start":921.305,"end":929.0},{"sentences":[{"text":"And I was like, well, they're protruding on my property.","start":929.0,"end":931.4,"sentiment":"neutral","sentiment_score":-0.14428770318627357},{"text":"I'm gonna knock my fence over, and I've had to put a notice into my council to see if I can get something removed 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afternoon.","start":985.35004,"end":986.47003,"sentiment":"positive","sentiment_score":0.7545543710390726},{"text":"Thanks so much, Neil.","start":986.47003,"end":987.69,"sentiment":"positive","sentiment_score":0.7675343304872513},{"text":"Thanks.","start":989.75,"end":990.25,"sentiment":"positive","sentiment_score":0.7039073705673218},{"text":"Thanks, Camilla.","start":990.39,"end":991.37,"sentiment":"positive","sentiment_score":0.6883153915405273}],"sentiment":"positive","sentiment_score":0.7496663282314936,"num_words":12,"start":984.79,"end":991.37},{"sentences":[{"text":"Have a great afternoon.","start":991.43,"end":992.49,"sentiment":"positive","sentiment_score":0.7188748568296432},{"text":"Thank you,.","start":995.14496,"end":995.885,"sentiment":"positive","sentiment_score":0.4470547288656235},{"text":"See you later.","start":996.265,"end":997.165,"sentiment":"neutral","sentiment_score":0.1313492680589358},{"text":"I've got another hour and a bit to go, another hour and a 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Yeah. Not too bad. Yep. Yeah. She's here. Yeah. I'm here, Dana. Yeah. Good. Thank you. Oh, at the moment, we're sort of feeling okay with with how it is. Yeah. Because because I... He's literally only getting, like, 300 and something pension a a fortnight. And, like, my wage flickers between anything between probably, like, 15 and $17.50, 1,800 a fortnight. And we... Yeah. And look, we... And we've still got all our other, you know, bills and and commitments, private health, vehicle insurance, all all those other, you know, bills that take a fairly big chunk out at a time. So is that okay to stay on on Yes. It says it says about 197 fortnight in it? Depends. Yeah. No. It's Yeah. Actually, just... No. No. You're right. I think the pension's a little bit more. It's about 300. It's... Yeah. Just over 300. Yeah. Yeah. Yeah. So what what is the recommendation to drop the draw down to? Yep. Yeah. That'd be good. Because then that way it's... So it makes us feel a bit like, you know, if there... If something urgent comes up and we need some funds, you know, like... Because we're on a property, and you never know when a pump's gonna go or there's gonna be a water leak or there's gonna be, you know, like, some... Like, over winter, we've needed to buy in firewood. You know, like, there's all those other things as well that... Yeah. It's sort of... Yeah. Sort of... Yeah. It's nice to have that little bit of a know that there's that little bit of extra, you know, a couple 100 or $4.09 coming in that that fits in, you know, in those in those. So So it looks like gold at the moment. Oh. Is Yeah. Yeah. Yeah. Yeah. Sounds perfect. Hi. One other question. Does Neil still have to submit tax returns after retirement? Yep. Okay. Fiscal. Yeah. Yep. Okay. Yep. Yep. Yep. Sure. Good. Good. Thank you for clarifying. Yep. Yep. I... I'm sure I do. Yep. Yes. Sure thing. Yep. I'll do that... No. Okay. Right. Alright. Oh, They come to my mind. No. I'm all good. Neil, you're Miss Cooper's traveling along okay? Obviously, he haven't got AI. That's alright. Yep. Alright. Now I understand. Good. Good. Yeah. Yeah. Oh, and after Chrissy, you'll be fine. Yeah. Yep. Yeah. Sounds great. Thank you, Diana. Yep. Yeah. No. Yeah. Yeah. Yeah. Because mine... Mine's capped now, isn't it? That's why I've gotta sign this new agreement. Yeah. Alright. No worries. I've got lots to do outside. Yeah. I've got a... My local farmer's gonna come in and cut and bail. And I got a third baby boom pile out there. I gotta get rid of it, obviously. But I can help him out by I just bought another... A ride on for the next one of the neighbor bigger than mine. So that's... I'm gonna use that in the paddock so so I can push the the grass that he needs to cut because he can't get too close to the fences. He can't get around. He doesn't do right hand turns. Right? So he he misses a bit, so I'll I'll go punch it out for him so he can just pick it and put it in the wind rose and come in and barrel it up for him. I said you'll have a a burnt spot so you can go around that. So that's a good... I've gotta go mow around so I can set me burn pile on fire. Because it's... No. It's close to the house, but I wouldn't like a through. Within... We've been very lucky. We've been here twenty eight years, and the closest five was a bike. It's in the the road that actually leads down to ours. He clipped the rock and said there's a place just across the road from us. It's called a public open space. He said some... And that's the closest fire we've had. But that's all been cleaned up now. The shire actually must have spent a pretty penny on these guys coming in, and now I can... Actually, the houses that are on Rylands that I could never ever see. So... Yeah. So they've made it a bit more fire friendly for us. So it's... No. It's all good. Because there's a lot... Well, we're we're lucky here where we don't have, like, bushfires. I'm I'm heavily tree. I'm not heavily tree, but I have a lot of trees on my property. But not like a forest or anything like that. I I had more paddock fires than than, you know, like, dense bushfires. And I fuel load down as much as I can. You know, I've gotten... I'm, like, once Henry's done, I'll go out and do all the edges that doesn't get. So, you know, I can cut cut down on the load, fuel load around there, but there's one pad you can't get in there. It's got the the most food in it because there's too many trees in there. The trees, but you're not allowed you're not allowed to. Even though they're on your property, you're not allowed to cut down trees. Yeah. If the next door neighbor's fences are trees hanging over, you can actually get them to prune them. Because if if if it does come down and damage a fence in it, it's... They'll they'll liable for it. Yeah. Yeah. Same rules. 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Yeah. Not too bad. Yep. Yeah.\n\nShe's here. Yeah. I'm here, Dana. Yeah. Good.\n\nThank you. Oh, at the moment, we're sort of feeling okay with with how it is. Yeah. Because because I... He's literally only getting, like, 300 and something pension a a fortnight.\n\nAnd, like, my wage flickers between anything between probably, like, 15 and $17.50, 1,800 a fortnight. And we... Yeah. And look, we... And we've still got all our other, you know, bills and and commitments, private health, vehicle insurance, all all those other, you know, bills that take a fairly big chunk out at a time.\n\nSo is that okay to stay on on Yes. It says it says about 197 fortnight in it? Depends. Yeah. No.\n\nIt's Yeah. Actually, just... No. No. You're right.\n\nI think the pension's a little bit more. It's about 300. It's... Yeah. Just over 300.\n\nYeah. Yeah. Yeah. So what what is the recommendation to drop the draw down to? Yep.\n\nYeah. That'd be good. Because then that way it's... So it makes us feel a bit like, you know, if there... If something urgent comes up and we need some funds, you know, like...\n\nBecause we're on a property, and you never know when a pump's gonna go or there's gonna be a water leak or there's gonna be, you know, like, some... Like, over winter, we've needed to buy in firewood. You know, like, there's all those other things as well that... Yeah. It's sort of...\n\nYeah. Sort of... Yeah. It's nice to have that little bit of a know that there's that little bit of extra, you know, a couple 100 or $4.09 coming in that that fits in, you know, in those in those. So So it looks like gold at the moment.\n\nOh. Is Yeah. Yeah. Yeah. Yeah.\n\nSounds perfect. Hi. One other question. Does Neil still have to submit tax returns after retirement? Yep.\n\nOkay. Fiscal. Yeah. Yep. Okay.\n\nYep. Yep. Yep. Sure. Good.\n\nGood. Thank you for clarifying. Yep. Yep. I...\n\nI'm sure I do. Yep. Yes. Sure thing. Yep.\n\nI'll do that... No. Okay. Right. Alright.\n\nOh, They come to my mind. No. I'm all good. Neil, you're Miss Cooper's traveling along okay? Obviously, he haven't got AI.\n\nThat's alright. Yep. Alright. Now I understand. Good.\n\nGood. Yeah. Yeah. Oh, and after Chrissy, you'll be fine. Yeah.\n\nYep. Yeah. Sounds great. Thank you, Diana. Yep.\n\nYeah. No. Yeah. Yeah. Yeah.\n\nBecause mine... Mine's capped now, isn't it? That's why I've gotta sign this new agreement. Yeah. Alright.\n\nNo worries. I've got lots to do outside. Yeah. I've got a... My local farmer's gonna come in and cut and bail.\n\nAnd I got a third baby boom pile out there. I gotta get rid of it, obviously. But I can help him out by I just bought another... A ride on for the next one of the neighbor bigger than mine. So that's...\n\nI'm gonna use that in the paddock so so I can push the the grass that he needs to cut because he can't get too close to the fences. He can't get around. He doesn't do right hand turns. Right? So he he misses a bit, so I'll I'll go punch it out for him so he can just pick it and put it in the wind rose and come in and barrel it up for him.\n\nI said you'll have a a burnt spot so you can go around that. So that's a good... I've gotta go mow around so I can set me burn pile on fire. Because it's... No.\n\nIt's close to the house, but I wouldn't like a through. Within... We've been very lucky. We've been here twenty eight years, and the closest five was a bike. It's in the the road that actually leads down to ours.\n\nHe clipped the rock and said there's a place just across the road from us. It's called a public open space. He said some... And that's the closest fire we've had. But that's all been cleaned up now.\n\nThe shire actually must have spent a pretty penny on these guys coming in, and now I can... Actually, the houses that are on Rylands that I could never ever see. So... Yeah. So they've made it a bit more fire friendly for us.\n\nSo it's... No. It's all good. Because there's a lot... Well, we're we're lucky here where we don't have, like, bushfires.\n\nI'm I'm heavily tree. I'm not heavily tree, but I have a lot of trees on my property. But not like a forest or anything like that. I I had more paddock fires than than, you know, like, dense bushfires. And I fuel load down as much as I can.\n\nYou know, I've gotten... I'm, like, once Henry's done, I'll go out and do all the edges that doesn't get. So, you know, I can cut cut down on the load, fuel load around there, but there's one pad you can't get in there. It's got the the most food in it because there's too many trees in there. The trees, but you're not allowed you're not allowed to.\n\nEven though they're on your property, you're not allowed to cut down trees. Yeah. If the next door neighbor's fences are trees hanging over, you can actually get them to prune them. Because if if if it does come down and damage a fence in it, it's... They'll they'll liable for it.\n\nYeah. Yeah. Same rules. All the shard are the same across Australia, I think. One good thing, price is dropped And that sort of thing that you get when you get your pension, which is good.\n\nYep. Alright. I know you're a busy lady, so I better let you go. Yep. Alright.\n\nNo worries. Thanks, Dana. No worries. Thanks, Dana. Yeah.\n\nYou too. Like yours is nearly yours is nearly... Alright. Okay. Enjoy.\n\nK. See you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":5.6,"end":6.0,"sentiment":"neutral","sentiment_score":0.08467563986778259},{"text":"Yeah.","start":6.0,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.1907459795475006},{"text":"Not too bad.","start":6.3199997,"end":7.22,"sentiment":"neutral","sentiment_score":0.32931317389011383},{"text":"Yep.","start":13.599999,"end":14.099999,"sentiment":"neutral","sentiment_score":0.10696723312139512},{"text":"Yeah.","start":21.225,"end":21.545,"sentiment":"neutral","sentiment_score":0.05494343861937523}],"sentiment":"neutral","sentiment_score":0.2036102589751993,"num_words":7,"start":5.6,"end":21.545},{"sentences":[{"text":"She's here.","start":21.545,"end":22.105,"sentiment":"neutral","sentiment_score":0.06252594664692879},{"text":"Yeah.","start":22.105,"end":22.345001,"sentiment":"neutral","sentiment_score":0.0939842164516449},{"text":"I'm here, Dana.","start":22.345001,"end":23.244999,"sentiment":"neutral","sentiment_score":0.10499098896980286},{"text":"Yeah.","start":25.865,"end":26.185001,"sentiment":"neutral","sentiment_score":0.23269739747047424},{"text":"Good.","start":26.185001,"end":26.505001,"sentiment":"positive","sentiment_score":0.4715867042541504}],"sentiment":"neutral","sentiment_score":0.15478664729744196,"num_words":8,"start":21.545,"end":26.505001},{"sentences":[{"text":"Thank you.","start":26.505001,"end":27.325,"sentiment":"positive","sentiment_score":0.6331636309623718},{"text":"Oh, at the moment, we're sort of feeling okay with with how it is.","start":80.90501,"end":85.619995,"sentiment":"neutral","sentiment_score":-0.048859878310135434},{"text":"Yeah.","start":87.2,"end":87.7,"sentiment":"neutral","sentiment_score":0.0026705656200647354},{"text":"Because because I...","start":89.84,"end":90.9,"sentiment":"neutral","sentiment_score":-0.053404139975706734},{"text":"He's literally only getting, like, 300 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outside.","start":752.76495,"end":754.59,"sentiment":"neutral","sentiment_score":0.16476057221492132},{"text":"Yeah.","start":757.53,"end":757.85,"sentiment":"neutral","sentiment_score":-0.000474756583571434},{"text":"I've got a...","start":757.85,"end":758.75,"sentiment":"neutral","sentiment_score":-0.009861354560901722},{"text":"My local farmer's gonna come in and cut and bail.","start":759.13,"end":762.27,"sentiment":"neutral","sentiment_score":-0.0447277382016182}],"sentiment":"neutral","sentiment_score":0.028278831710022958,"num_words":22,"start":745.245,"end":762.27},{"sentences":[{"text":"And I got a third baby boom pile out there.","start":763.29,"end":765.21,"sentiment":"neutral","sentiment_score":-0.10645776316523552},{"text":"I gotta get rid of it, obviously.","start":765.21,"end":766.59,"sentiment":"neutral","sentiment_score":-0.08574586361646652},{"text":"But I can help him out by I just bought another...","start":767.05,"end":771.245,"sentiment":"neutral","sentiment_score":0.012222962877289816},{"text":"A ride on for the next one of the neighbor bigger than mine.","start":771.305,"end":774.925,"sentiment":"neutral","sentiment_score":-0.0038383459457411217},{"text":"So that's...","start":775.305,"end":775.865,"sentiment":"neutral","sentiment_score":0.03962423466145992}],"sentiment":"neutral","sentiment_score":-0.03490688635556157,"num_words":43,"start":763.29,"end":775.865},{"sentences":[{"text":"I'm gonna use that in the paddock so so I can push the the grass that he needs to cut because he can't get too close to the fences.","start":775.865,"end":783.51,"sentiment":"neutral","sentiment_score":-0.002469962141637144},{"text":"He can't get around.","start":783.51,"end":784.57,"sentiment":"neutral","sentiment_score":-0.18720892816781998},{"text":"He doesn't do right hand turns.","start":785.11,"end":786.89,"sentiment":"neutral","sentiment_score":-0.1904104376832644},{"text":"Right?","start":787.35,"end":787.85,"sentiment":"neutral","sentiment_score":-0.057912737131118774},{"text":"So he he misses a bit, so I'll I'll go punch it out for him so he can just pick it and put it in the wind rose and come in and barrel it up for him.","start":788.63,"end":796.585,"sentiment":"neutral","sentiment_score":-0.02359210202671789}],"sentiment":"neutral","sentiment_score":-0.03758113964932499,"num_words":77,"start":775.865,"end":796.585},{"sentences":[{"text":"I said you'll have a a burnt spot so you can go around that.","start":797.28503,"end":800.405,"sentiment":"neutral","sentiment_score":-0.16953822118895395},{"text":"So that's a good...","start":800.405,"end":801.125,"sentiment":"neutral","sentiment_score":0.09926679916679859},{"text":"I've gotta go mow around so I can set me burn pile on fire.","start":801.125,"end":806.585,"sentiment":"neutral","sentiment_score":-0.11157366420541491},{"text":"Because it's...","start":809.19,"end":809.85004,"sentiment":"neutral","sentiment_score":-0.03186415322124958},{"text":"No.","start":810.31,"end":810.47003,"sentiment":"neutral","sentiment_score":-0.10659249126911163}],"sentiment":"neutral","sentiment_score":-0.10596628561615944,"num_words":35,"start":797.28503,"end":810.47003},{"sentences":[{"text":"It's close to the house, but I wouldn't like a through.","start":810.47003,"end":814.49,"sentiment":"neutral","sentiment_score":-0.07669034600257874},{"text":"Within...","start":815.43,"end":815.93,"sentiment":"neutral","sentiment_score":-0.04350502789020538},{"text":"We've been very lucky.","start":816.39,"end":817.43,"sentiment":"neutral","sentiment_score":0.13859586138278246},{"text":"We've been here twenty eight years, and the closest five was a bike.","start":817.43,"end":824.675,"sentiment":"neutral","sentiment_score":0.11435988917946815},{"text":"It's in the the road that actually leads down to ours.","start":825.375,"end":828.25494,"sentiment":"neutral","sentiment_score":0.04253847168927843}],"sentiment":"neutral","sentiment_score":0.04054715898819268,"num_words":40,"start":810.47003,"end":828.25494},{"sentences":[{"text":"He clipped the rock and said there's a place just across the road from us.","start":828.25494,"end":832.89496,"sentiment":"neutral","sentiment_score":0.021605403845508894},{"text":"It's called a public open space.","start":832.89496,"end":834.83496,"sentiment":"neutral","sentiment_score":0.02694417753567298},{"text":"He said some...","start":835.45,"end":838.35,"sentiment":"neutral","sentiment_score":0.0067576828102270765},{"text":"And that's the closest fire we've had.","start":838.73,"end":840.91,"sentiment":"neutral","sentiment_score":-0.05820123239287308},{"text":"But that's all been cleaned up now.","start":843.05,"end":844.89,"sentiment":"neutral","sentiment_score":0.015215299491371428}],"sentiment":"neutral","sentiment_score":0.00539783265833792,"num_words":38,"start":828.25494,"end":844.89},{"sentences":[{"text":"The shire actually must have spent a pretty penny on these guys coming in, and now I can...","start":844.89,"end":851.385,"sentiment":"neutral","sentiment_score":-0.0249425961325566},{"text":"Actually, the houses that are on Rylands that I could never ever see.","start":851.445,"end":856.42505,"sentiment":"neutral","sentiment_score":-0.1000185883962191},{"text":"So...","start":859.60504,"end":860.005,"sentiment":"neutral","sentiment_score":0.030038129538297653},{"text":"Yeah.","start":860.005,"end":860.245,"sentiment":"neutral","sentiment_score":0.08148583769798279},{"text":"So they've made it a bit more fire friendly for us.","start":860.245,"end":865.2866,"sentiment":"neutral","sentiment_score":0.15646867318586868}],"sentiment":"neutral","sentiment_score":0.0018970680169083864,"num_words":44,"start":844.89,"end":865.2866},{"sentences":[{"text":"So it's...","start":865.48,"end":866.36,"sentiment":"neutral","sentiment_score":0.08471985161304474},{"text":"No.","start":866.36,"end":866.6,"sentiment":"neutral","sentiment_score":-0.05287143588066101},{"text":"It's all good.","start":866.6,"end":867.42,"sentiment":"neutral","sentiment_score":0.04700680077075958},{"text":"Because there's a lot...","start":867.95996,"end":869.18,"sentiment":"neutral","sentiment_score":-0.0010107564739882955},{"text":"Well, we're we're lucky here where we don't have, like, bushfires.","start":869.72,"end":873.18,"sentiment":"neutral","sentiment_score":0.0247743312608112}],"sentiment":"neutral","sentiment_score":0.025050632744317965,"num_words":21,"start":865.48,"end":873.18},{"sentences":[{"text":"I'm I'm heavily tree.","start":873.39996,"end":874.76,"sentiment":"neutral","sentiment_score":-0.034992918372154236},{"text":"I'm not heavily tree, but I have a lot of trees on my property.","start":874.76,"end":878.59503,"sentiment":"neutral","sentiment_score":-0.017590645434600965},{"text":"But not like a forest or anything like that.","start":881.53503,"end":883.855,"sentiment":"neutral","sentiment_score":-0.13219497497710916},{"text":"I I had more paddock fires than than, you know, like, dense bushfires.","start":883.855,"end":890.755,"sentiment":"neutral","sentiment_score":-0.05703225932442225},{"text":"And I fuel load down as much as I can.","start":891.88,"end":894.62,"sentiment":"neutral","sentiment_score":-0.010958138667047024}],"sentiment":"neutral","sentiment_score":-0.04853992484509945,"num_words":50,"start":873.39996,"end":894.62},{"sentences":[{"text":"You know, I've gotten...","start":896.04,"end":897.01996,"sentiment":"neutral","sentiment_score":-0.008399246260523796},{"text":"I'm, like, once Henry's done, I'll go out and do all the edges that doesn't get.","start":897.07996,"end":902.44,"sentiment":"neutral","sentiment_score":-0.024601275072200224},{"text":"So, you know, I can cut cut down on the load, fuel load around there, but there's one pad you can't get in there.","start":902.44,"end":908.805,"sentiment":"neutral","sentiment_score":-0.06738714873790741},{"text":"It's got the the most food in it because there's too many trees in there.","start":908.805,"end":914.425,"sentiment":"neutral","sentiment_score":-0.09995991140604019},{"text":"The trees, but you're not allowed you're not allowed to.","start":916.245,"end":918.75,"sentiment":"neutral","sentiment_score":-0.10244820974767208}],"sentiment":"neutral","sentiment_score":-0.06620854673151305,"num_words":69,"start":896.04,"end":918.75},{"sentences":[{"text":"Even though they're on your property, you're not allowed to cut down trees.","start":919.31,"end":924.37,"sentiment":"neutral","sentiment_score":-0.099050123244524},{"text":"Yeah.","start":938.10504,"end":938.42505,"sentiment":"neutral","sentiment_score":-0.04654436185956001},{"text":"If the next door neighbor's fences are trees hanging over, you can actually get them to prune them.","start":938.42505,"end":943.325,"sentiment":"neutral","sentiment_score":-0.07118854423364003},{"text":"Because if if if it does come down and damage a fence in it, it's...","start":945.065,"end":950.23,"sentiment":"neutral","sentiment_score":-0.1347790444890658},{"text":"They'll they'll liable for it.","start":950.23,"end":952.64996,"sentiment":"neutral","sentiment_score":-0.1841074913740158}],"sentiment":"neutral","sentiment_score":-0.10688101700865306,"num_words":52,"start":919.31,"end":952.64996},{"sentences":[{"text":"Yeah.","start":953.50995,"end":954.00995,"sentiment":"neutral","sentiment_score":-0.03484763577580452},{"text":"Yeah.","start":954.38995,"end":954.79,"sentiment":"neutral","sentiment_score":-0.02363671362400055},{"text":"Same rules.","start":954.79,"end":955.61,"sentiment":"neutral","sentiment_score":-0.030614982824772596},{"text":"All the shard are the same across Australia, I think.","start":956.14996,"end":959.05,"sentiment":"neutral","sentiment_score":-0.04061262775212526},{"text":"One good thing, price is dropped And that sort of thing that you get when you get your pension, which is good.","start":960.47,"end":967.835,"sentiment":"neutral","sentiment_score":0.05980644967745651}],"sentiment":"neutral","sentiment_score":0.02194170278704001,"num_words":36,"start":953.50995,"end":967.835},{"sentences":[{"text":"Yep.","start":968.935,"end":969.435,"sentiment":"neutral","sentiment_score":0.05342533439397812},{"text":"Alright.","start":970.535,"end":971.015,"sentiment":"neutral","sentiment_score":0.04653031378984451},{"text":"I know you're a busy lady, so I better let you go.","start":971.015,"end":973.515,"sentiment":"neutral","sentiment_score":0.011976682658617696},{"text":"Yep.","start":979.34,"end":979.84,"sentiment":"positive","sentiment_score":0.3749604821205139},{"text":"Alright.","start":982.54004,"end":982.94,"sentiment":"positive","sentiment_score":0.43419989943504333}],"sentiment":"neutral","sentiment_score":0.06580226385267451,"num_words":16,"start":968.935,"end":982.94},{"sentences":[{"text":"No worries.","start":982.94,"end":983.42004,"sentiment":"positive","sentiment_score":0.43873076140880585},{"text":"Thanks, Dana.","start":983.42004,"end":984.24,"sentiment":"positive","sentiment_score":0.7268223762512207},{"text":"No worries.","start":988.14,"end":988.88,"sentiment":"positive","sentiment_score":0.3576425760984421},{"text":"Thanks, Dana.","start":989.26,"end":990.16003,"sentiment":"positive","sentiment_score":0.6223558485507965},{"text":"Yeah.","start":993.055,"end":993.555,"sentiment":"positive","sentiment_score":0.3882352411746979}],"sentiment":"positive","sentiment_score":0.5199264850881364,"num_words":9,"start":982.94,"end":993.555},{"sentences":[{"text":"You too.","start":993.855,"end":994.675,"sentiment":"positive","sentiment_score":0.335665762424469},{"text":"Like yours is nearly yours is nearly...","start":996.015,"end":998.515,"sentiment":"neutral","sentiment_score":0.07980319804378919},{"text":"Alright.","start":1003.375,"end":1003.875,"sentiment":"neutral","sentiment_score":0.13110485672950745},{"text":"Okay.","start":1005.71,"end":1006.21,"sentiment":"neutral","sentiment_score":0.24881958961486816},{"text":"Enjoy.","start":1006.91003,"end":1007.41003,"sentiment":"positive","sentiment_score":0.5189652442932129}],"sentiment":"neutral","sentiment_score":0.17740363348275423,"num_words":12,"start":993.855,"end":1007.41003},{"sentences":[{"text":"K.","start":1009.79004,"end":1010.19,"sentiment":"neutral","sentiment_score":0.22617346048355105},{"text":"See you.","start":1010.19,"end":1010.93,"sentiment":"neutral","sentiment_score":0.2760933116078377},{"text":"Bye.","start":1011.23004,"end":1011.73004,"sentiment":"neutral","sentiment_score":0.1683458387851715}],"sentiment":"neutral","sentiment_score":0.23667648062109947,"num_words":4,"start":1009.79004,"end":1011.73004}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi, Neil. It's Dana from OQ Financial. How are you today?\n\nChannel 1: Hello? Yeah. Not too bad.\n\nChannel 0: That's good. I had you booked in for a bit of a quick catch up. Is now still a good time there for you?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. I believe Kayden mentioned you wanted Camilla to be there as well. Is she there available?\n\nChannel 1: Yeah. She's here. Yeah. I'm here, Dana.\n\nChannel 0: Hi, Camilla. How are you?\n\nChannel 1: Yeah. Good. Thank you.\n\nChannel 0: That is excellent. Excellent. I just want to do a bit of a quick catch up because when we did the advice, we set the pension up, and you're getting those regular pension payments, which is fantastic. But the second stage that pension advice was that when your age pension application was approved, we were gonna just pull back and reduce the amount that you were drawing out of your your account based pension because you were sort of not needing as much money. I know inflation's a thing, and the cost of living and everything's still gone up.\n\nAre you finding you need that extra little bit of money to come out of that pension account with your Centrelink, or are you happy to kind of draw back how much you... You know, reduce how much you're drawing out of your age pension... Out of your account based pension? How do you feel?\n\nChannel 1: Oh, at the moment, we're sort of feeling okay with with how it is.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: No. That's absolutely fine.\n\nChannel 1: Because\n\nChannel 0: Yeah. That's\n\nChannel 1: because I...\n\nChannel 0: okay.\n\nChannel 1: He's literally only getting, like, 300 and something pension\n\nChannel 0: Mhmm.\n\nChannel 1: a a fortnight. And, like, my wage flickers between anything between\n\nChannel 0: Yep.\n\nChannel 1: probably, like, 15 and $17.50, 1,800 a fortnight.\n\nChannel 0: Yeah.\n\nChannel 1: And we... Yeah. And look, we... And we've\n\nChannel 0: Absolutely.\n\nChannel 1: still got all our other, you know, bills and and commitments, private health, vehicle\n\nChannel 0: Yeah.\n\nChannel 1: insurance, all all those other, you know, bills that take a fairly big chunk out at a time. So\n\nChannel 0: Yeah. That's fine.\n\nChannel 1: is that okay to stay on on\n\nChannel 0: Yeah. That is absolutely fine. It was just part of the recommendations, just sort of looking at how much you needed to live on, and we sort of draw... We're drawing out that $17.36 on a fortnightly basis and then keeping your income coming in as a bit of a buffer. And the\n\nChannel 1: Yes.\n\nChannel 0: idea was that when you got the age pension... And I believe Kayden mentioned to me you're getting about $10 more than we'd recommended. You're about a 190 a fortnight. Is that right?\n\nChannel 1: It says it says about 197 fortnight in it? Depends.\n\nChannel 0: Oh, fantastic.\n\nChannel 1: Yeah. No.\n\nChannel 0: Excellent.\n\nChannel 1: It's\n\nChannel 0: I that worked out well.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. No. That's perfect. Because in the recommendation, the math I had worked out manually was that... It was gonna be about $187.93 per fortnight.\n\nSo you're actually getting $10 more than the math came out for my side of things. So I love that. That's excellent. But... Yeah.\n\nThat's a...\n\nChannel 1: Actually,\n\nChannel 0: Sorry,\n\nChannel 1: just...\n\nChannel 0: Kimberly. You're right.\n\nChannel 1: No. No. You're right. I think the pension's a little bit more. It's about 300.\n\nChannel 0: Oh,\n\nChannel 1: It's...\n\nChannel 0: is it?\n\nChannel 1: Yeah. Just over 300.\n\nChannel 0: A fortnight?\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: So you're getting a lot more. So 300 per fortnight.\n\nChannel 1: Yeah. So what what is the recommendation to drop the draw down to?\n\nChannel 0: Yeah. So the recommendation was based on how much you were able to get from the age pension entitlement per fortnight, we were going to then reduce your account based pension withdrawal, basically, by that amount to make sure that you were still withdrawing what you needed to to cover your expenditure, but it was just sort of between the age pension and the and the account based pension side of things. But that is just the recommendation based on what you needed to live on originally. Because when we looked at your living expenses, you needed about $868 per week living expenses. And that can definitely change.\n\nBut if you feel like at the moment you wanna keep the age pension entitlement plus what you're drawing out of hub 24 out of the account based pension and keep it as is, that's\n\nChannel 1: Yep.\n\nChannel 0: absolutely fine. I'll just make a final note for you that that's gonna stay as it is currently, and we don't need to make any changes there if that's what you're comfortable with.\n\nChannel 1: Yeah. That'd be good. Because then that way it's... So it makes us feel a bit like, you know, if there... If something urgent comes up and we need some funds, you know, like...\n\nChannel 0: Yes. Mhmm.\n\nChannel 1: Because we're on a property, and you never know when a pump's gonna go or there's gonna be a\n\nChannel 0: Yep.\n\nChannel 1: water leak or there's gonna be, you know, like, some... Like, over winter, we've needed to buy in firewood. You know,\n\nChannel 0: Yep.\n\nChannel 1: like, there's all those other things as well that... Yeah. It's sort of...\n\nChannel 0: Come out of the blue. Yeah.\n\nChannel 1: Yeah. Sort\n\nChannel 0: Yep.\n\nChannel 1: of... Yeah. It's nice to have that little bit of a know that there's that little bit of extra, you know, a couple 100 or $4.09 coming in that that fits in, you know, in those in those. So So it looks like gold at the moment. Oh.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Is\n\nChannel 0: No. Honestly, that is absolutely fine. And, look, when we make the recommendation originally, it is more just looking\n\nChannel 1: Yeah.\n\nChannel 0: at what your expenditure was, and how we make\n\nChannel 1: Yeah.\n\nChannel 0: that expenditure work for you. But things definitely change, and I know the cost of food and fuel and everything else just keeps on going up for us. So if that's what you're both really happy with, that's absolutely fine. I will keep your pension payments from hub twenty four at that $17.36 per fortnight for you. You've still got your age pension entitlement coming in, which is great as well.\n\nAnd then we can just review that down the track and adjust it as needed. How does that sound?\n\nChannel 1: Yeah. Yeah. Sounds perfect. Hi.\n\nChannel 0: Beautiful.\n\nChannel 1: One other question.\n\nChannel 0: Sure.\n\nChannel 1: Does Neil still have to submit tax returns after retirement?\n\nChannel 0: Technically, real... It really comes down to have you worked within that financial year, have you earned any technically taxable income? You don't have to when you are drawing from your a... From the account based pension because that is all separate.\n\nChannel 1: Yep.\n\nChannel 0: But Centrelink can... And the age pension is technically a taxable payment. So I would probably just check with Centrelink to see whether they want a tax return completed every year. More often than not, they don't, and you generally stop after you stopped working and haven't worked a full a full...\n\nChannel 1: Okay. Fiscal.\n\nChannel 0: Sorry.\n\nChannel 1: Yeah.\n\nChannel 0: A full further to a year. Yeah. That's\n\nChannel 1: Yep.\n\nChannel 0: the one I'm looking for. Sorry. So, realistically, you shouldn't have to.\n\nChannel 1: Okay.\n\nChannel 0: Centrelink can request that you do so.\n\nChannel 1: Yep.\n\nChannel 0: You could also just speak to your accountant when you do your last tax return and go, hey. Look. This is what I'm receiving. Is it worth doing a tax return? Do\n\nChannel 1: Yep.\n\nChannel 0: you think the ATO is gonna want one done? And your\n\nChannel 1: Yep.\n\nChannel 0: accountant can also give you that information as well. But more\n\nChannel 1: Sure.\n\nChannel 0: often than not, we find people, once they stop working, have it worked the next financial year, are just receiving Centrelink benefits or age pension, and drawing out of their super, they stop doing a tax return. But, yeah, like, you... What you... Comes out of your super, that is account based pension, and that is completely income tax free. So you don't have to worry about noting that down at all.\n\nChannel 1: Good. Good. Thank you for clarifying.\n\nChannel 0: Yeah. That's okay. That's not a problem at all. Well, I'll make a note that we're not gonna reduce the pension payments from here at the moment. We'll keep them exactly as they are.\n\nChannel 1: Yep. Yep.\n\nChannel 0: If anything comes up, please let me know. I'm more than happy to sort of help out and answer any questions or readjust things if you find you need anything additional there. The only thing I was probably gonna ask is if... Camilla, do you still happen to have my email address handy?\n\nChannel 1: I... I'm sure I do.\n\nChannel 0: Yeah. I was just gonna ask if you guys could grab me a copy of the most recent statement from Centrelink that shows the age pension entitlement and how much you're getting just\n\nChannel 1: Yep.\n\nChannel 0: so I can add that to the file just for future reference for here for running to the annual reviews and things like that, if that's okay.\n\nChannel 1: Yes. Sure thing. Yep. I'll do that...\n\nChannel 0: Awesome. Sounds good.\n\nChannel 1: No.\n\nChannel 0: Oh, thank you so much, Camilla. I do appreciate that. Is there any... Yes. Sorry.\n\nYeah. Absolutely fine. That's not a problem at all. I can always shoot another email through to Neil if you do need me to pop that through just so you've got my email at the front there at the top of your inbox if you need to as well.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. Excellent.\n\nChannel 1: Right.\n\nChannel 0: Is\n\nChannel 1: Alright.\n\nChannel 0: there any other questions or concerns or anything else you need from me at the moment?\n\nChannel 1: Oh, They come to my mind. No. I'm\n\nChannel 0: No?\n\nChannel 1: all good. Neil,\n\nChannel 0: That's\n\nChannel 1: you're\n\nChannel 0: okay.\n\nChannel 1: Miss Cooper's traveling along okay?\n\nChannel 0: Yeah. Yeah. Let's have a look and see how we're doing at the moment. Everything has been going quite nicely. I've been really happy with it, but let me just pull up a quick report there for you.\n\nI'll just go from here. Sorry. It's just loading.\n\nChannel 1: Obviously, he haven't got AI.\n\nChannel 0: No. Now I've gotta do it manually. Sorry.\n\nChannel 1: That's alright.\n\nChannel 0: It's just taking a second to load. Beautiful. Okay. So having a look at where things are sort of tracking. Since July, everything has been going quite nicely here.\n\nEssentially, you're up by just under 1%. That's very normal for it being such a short time frame. But in that less than 1% increase, the earnings, the growth, and the income that's being produced out of your pension account is over $5,416. So it is working. It is doing what we need to.\n\nThe returns are gonna be a little bit less this year because of the ups and downs the market has definitely seen, but that return definitely helps with being able to draw down income payments there for you. So it is working and doing exactly what we want it to.\n\nChannel 1: Yep. Alright. Now I understand.\n\nChannel 0: Yeah.\n\nChannel 1: Good.\n\nChannel 0: Beautiful.\n\nChannel 1: Good.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: I'll keep watching it and do a bit of a catch up with you in the next few months. Did you want me to do a catch up with you maybe just after Christmas or before Christmas? Or when would you like the next catch up?\n\nChannel 1: Yeah. Oh, and after Chrissy, you'll be fine. Yeah.\n\nChannel 0: Yeah. When we come back in January? Easy.\n\nChannel 1: Yep. Yeah. Sounds great. Thank you, Diana.\n\nChannel 0: Beautiful. That's okay. If you both need anything over the next few months, let me know. I'll get my team to give you a call after Christmas break, and we'll book you back in for a catch up to see how things are tracking for you. The only other thing to let you know, Neil, is that we do need to update your ongoing service agreement.\n\nSo I'll get the team to resend that out to you. Your ongoing service fee just stays at that 1.65% for the next twelve months. Are you happy for us to resend that out to you today?\n\nChannel 1: Yep. Yeah.\n\nChannel 0: Beautiful. Excellent. Do you have any questions about the ongoing service agreement?\n\nChannel 1: No.\n\nChannel 0: No. That's okay.\n\nChannel 1: Yeah.\n\nChannel 0: It's pretty stock standard. You've done it a few times before. Yeah. All good. I'll get that one sent out for you today.\n\nIf you can just sign and return that back, it'll be in your email shortly. And then that just allows us to continue providing our services and looking after things for you. And I'll make sure we touch base in January if I haven't heard from you beforehand.\n\nChannel 1: Yeah. Yeah. Because mine... Mine's capped now, isn't it? That's\n\nChannel 0: Okay? At the moment, it is. Yeah. Yep.\n\nChannel 1: why I've gotta sign this new agreement.\n\nChannel 0: Yeah. Yeah. We do one every year with you to renew it. Yeah. Yep.\n\nPerfect.\n\nChannel 1: Yeah.\n\nChannel 0: Well,\n\nChannel 1: Alright.\n\nChannel 0: Google,\n\nChannel 1: No\n\nChannel 0: if\n\nChannel 1: worries.\n\nChannel 0: there's anything else if there's anything else you need, let me know. Otherwise, if I don't talk to you beforehand, I hope you both have a wonderful Christmas.\n\nChannel 1: I've got lots to do outside.\n\nChannel 0: Oh, I bet you do.\n\nChannel 1: Yeah. I've got a... My\n\nChannel 0: Nice.\n\nChannel 1: local farmer's gonna come in and cut and bail. And I got a third baby boom pile out there. I gotta get rid of it, obviously. But I can help him out by I just bought another... A ride on for the next one of the neighbor bigger\n\nChannel 0: Yep.\n\nChannel 1: than mine. So that's... I'm gonna use that in the paddock so so I can push the the grass that he needs to cut because he can't get too close to the fences. He can't get around. He doesn't do right hand turns.\n\nRight?\n\nChannel 0: Yeah.\n\nChannel 1: So he he misses a bit, so I'll I'll go punch it out for him so he can just pick it and put it in the wind rose and come in and barrel it up for him. I said you'll have a a burnt spot so you can go around that. So that's a good... I've gotta go mow around so I can set me burn pile on fire.\n\nChannel 0: Oh, wow.\n\nChannel 1: Because it's... No. It's close to the house, but I wouldn't\n\nChannel 0: Yeah.\n\nChannel 1: like a through.\n\nChannel 0: No.\n\nChannel 1: Within... We've been very lucky. We've been here twenty eight years, and\n\nChannel 0: Yeah.\n\nChannel 1: the closest five was a bike. It's in the the road that actually leads down to ours. He clipped the rock and said\n\nChannel 0: Yeah.\n\nChannel 1: there's\n\nChannel 0: Wow.\n\nChannel 1: a place just across the road from us. It's called a\n\nChannel 0: Yeah.\n\nChannel 1: public open space. He said\n\nChannel 0: Yep.\n\nChannel 1: some... And that's the closest fire we've had.\n\nChannel 0: Oh, wow.\n\nChannel 1: But that's all been cleaned up now. The shire actually must have spent a pretty penny on these guys coming in, and now I can... Actually, the houses that are on Rylands that I could never ever see.\n\nChannel 0: Yeah. Wow.\n\nChannel 1: So... Yeah. So they've made it a bit more fire friendly for us. So it's... No.\n\nIt's all good. Because there's\n\nChannel 0: Yeah.\n\nChannel 1: a lot...\n\nChannel 0: Wow.\n\nChannel 1: Well, we're we're lucky here where we don't have, like, bushfires. I'm I'm heavily tree. I'm not heavily tree, but I have a lot of trees on my property.\n\nChannel 0: Yeah.\n\nChannel 1: But not like a forest or anything like that. I I had more paddock fires than than, you know, like, dense bushfires. And\n\nChannel 0: Yes.\n\nChannel 1: I fuel load down as much as I can.\n\nChannel 0: Yeah.\n\nChannel 1: You know, I've gotten... I'm, like, once Henry's done, I'll go out and do all the edges\n\nChannel 0: Yeah.\n\nChannel 1: that doesn't get. So, you know, I can cut cut down on the load, fuel load around there, but there's one pad you can't get in there. It's got the the most food in it because there's too many trees in there.\n\nChannel 0: Yeah.\n\nChannel 1: The trees, but you're not allowed you're not allowed to. Even though they're on your property,\n\nChannel 0: Yeah.\n\nChannel 1: you're not allowed to cut down trees.\n\nChannel 0: No. I've heard that. We have the same thing with our council. They're very strict about that. And I was like, well, they're protruding on my property.\n\nI'm gonna knock my fence over, and I've had to put a notice into my council to see if I can get something removed too.\n\nChannel 1: Yeah. If the next door neighbor's fences are trees hanging over, you can actually get them to prune them.\n\nChannel 0: Yeah.\n\nChannel 1: Because if if if it does come down and damage a fence in it, it's... They'll they'll liable for it.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Yeah. Same\n\nChannel 0: Yes.\n\nChannel 1: rules. All the shard are the same across Australia, I think. One\n\nChannel 0: Ow.\n\nChannel 1: good thing, price is dropped And that sort of thing that you get when you\n\nChannel 0: Yeah.\n\nChannel 1: get your pension, which is\n\nChannel 0: Yep.\n\nChannel 1: good.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Alright. I know you're a busy lady, so I better let you\n\nChannel 0: That's\n\nChannel 1: go.\n\nChannel 0: okay. That's okay. It's an absolute pleasure to catch up with you. I'm glad things are working well for you, and you let me\n\nChannel 1: Yep.\n\nChannel 0: know if there's anything else you need. I'm always happy to help.\n\nChannel 1: Alright. No worries. Thanks, Dana.\n\nChannel 0: My pleasure. Enjoy your afternoon. Thanks so much, Neil.\n\nChannel 1: No worries. Thanks, Dana.\n\nChannel 0: Thanks. Thanks, Camilla. Have a great afternoon.\n\nChannel 1: Yeah. You too.\n\nChannel 0: Thank you,.\n\nChannel 1: Like yours\n\nChannel 0: See\n\nChannel 1: is\n\nChannel 0: you\n\nChannel 1: nearly\n\nChannel 0: later.\n\nChannel 1: yours is nearly...\n\nChannel 0: I've got another hour and a bit to go, another hour and a half. So...\n\nChannel 1: Alright.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. Enjoy.\n\nChannel 0: You too. Thanks so much. See\n\nChannel 1: K.\n\nChannel 0: you later.\n\nChannel 1: See you. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hi, Neil.","start":2.3999999,"end":2.8799999,"sentiment":"neutral","sentiment_score":0.14292915165424347},{"text":"It's Dana from OQ Financial.","start":2.8799999,"end":4.5,"sentiment":"neutral","sentiment_score":0.1607961729168892},{"text":"How are you today?","start":4.56,"end":5.46,"sentiment":"neutral","sentiment_score":0.20166582614183426}],"sentiment":"neutral","sentiment_score":0.17240931567820636,"channel":0,"num_words":11,"start":2.3999999,"end":5.46},{"sentences":[{"text":"Hello?","start":5.6,"end":6.0,"sentiment":"neutral","sentiment_score":0.08467563986778259},{"text":"Yeah.","start":6.0,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.1907459795475006},{"text":"Not too bad.","start":6.3199997,"end":7.22,"sentiment":"neutral","sentiment_score":0.32931317389011383}],"sentiment":"neutral","sentiment_score":0.25267222821712493,"channel":1,"num_words":5,"start":5.6,"end":7.22},{"sentences":[{"text":"That's good.","start":7.7599998,"end":8.88,"sentiment":"positive","sentiment_score":0.6362309753894806},{"text":"I had you booked in for a bit of a quick catch up.","start":8.88,"end":10.96,"sentiment":"positive","sentiment_score":0.339390462407699},{"text":"Is now still a good time there for you?","start":10.96,"end":13.059999,"sentiment":"neutral","sentiment_score":0.31213435530662537}],"sentiment":"positive","sentiment_score":0.35390613165994483,"channel":0,"num_words":24,"start":7.7599998,"end":13.059999},{"sentences":[{"text":"Yep.","start":13.599999,"end":14.099999,"sentiment":"neutral","sentiment_score":0.10696723312139512}],"sentiment":"neutral","sentiment_score":0.10696723312139512,"channel":1,"num_words":1,"start":13.599999,"end":14.099999},{"sentences":[{"text":"Yep.","start":14.639999,"end":15.015,"sentiment":"neutral","sentiment_score":0.1584046185016632},{"text":"Beautiful.","start":15.255,"end":15.755,"sentiment":"positive","sentiment_score":0.5098630785942078},{"text":"I believe Kayden mentioned you wanted Camilla to be there as well.","start":16.615,"end":19.815,"sentiment":"neutral","sentiment_score":0.1576948364575704},{"text":"Is she there available?","start":19.815,"end":20.875,"sentiment":"neutral","sentiment_score":0.046234923414886}],"sentiment":"neutral","sentiment_score":0.15253030156923664,"channel":0,"num_words":18,"start":14.639999,"end":20.875},{"sentences":[{"text":"Yeah.","start":21.225,"end":21.545,"sentiment":"neutral","sentiment_score":0.05494343861937523},{"text":"She's here.","start":21.545,"end":22.105,"sentiment":"neutral","sentiment_score":0.06252594664692879},{"text":"Yeah.","start":22.105,"end":22.345001,"sentiment":"neutral","sentiment_score":0.0939842164516449},{"text":"I'm here, Dana.","start":22.345001,"end":23.244999,"sentiment":"neutral","sentiment_score":0.10499098896980286}],"sentiment":"neutral","sentiment_score":0.08413607361061233,"channel":1,"num_words":7,"start":21.225,"end":23.244999},{"sentences":[{"text":"Hi, Camilla.","start":23.654999,"end":24.475,"sentiment":"neutral","sentiment_score":0.12274488061666489},{"text":"How are you?","start":24.615,"end":25.435001,"sentiment":"neutral","sentiment_score":0.13426448653141657}],"sentiment":"neutral","sentiment_score":0.1296566441655159,"channel":0,"num_words":5,"start":23.654999,"end":25.435001},{"sentences":[{"text":"Yeah.","start":25.865,"end":26.185001,"sentiment":"neutral","sentiment_score":0.23269739747047424},{"text":"Good.","start":26.185001,"end":26.505001,"sentiment":"positive","sentiment_score":0.4715867042541504},{"text":"Thank you.","start":26.505001,"end":27.325,"sentiment":"positive","sentiment_score":0.6331636309623718}],"sentiment":"positive","sentiment_score":0.49265284091234207,"channel":1,"num_words":4,"start":25.865,"end":27.325},{"sentences":[{"text":"That is excellent.","start":27.895,"end":29.095001,"sentiment":"positive","sentiment_score":0.7299679716428121},{"text":"Excellent.","start":29.095001,"end":29.595001,"sentiment":"positive","sentiment_score":0.6262272000312805},{"text":"I just want to do a bit of a quick catch up because when we did the advice, we set the pension up, and you're getting those regular pension payments, which is fantastic.","start":30.18,"end":37.32,"sentiment":"neutral","sentiment_score":0.31470884360147244},{"text":"But the second stage that pension advice was that when your age pension application was approved, we were gonna just pull back and reduce the amount that you were drawing out of your your account based pension because you were sort of not needing as much money.","start":37.940002,"end":55.964996,"sentiment":"neutral","sentiment_score":0.014301703489841298},{"text":"I know inflation's a thing, and the cost of living and everything's still gone up.","start":57.7,"end":62.84,"sentiment":"neutral","sentiment_score":-0.10855291932821273}],"sentiment":"neutral","sentiment_score":0.12369100230209755,"channel":0,"num_words":99,"start":27.895,"end":62.84},{"sentences":[{"text":"Are you finding you need that extra little bit of money to come out of that pension account with your Centrelink, or are you happy to kind of draw back how much you...","start":64.18,"end":74.865,"sentiment":"neutral","sentiment_score":0.006894882429729809},{"text":"You know, reduce how much you're drawing out of your age pension...","start":74.865,"end":77.525,"sentiment":"neutral","sentiment_score":-0.03408850450068712},{"text":"Out of your account based pension?","start":77.665,"end":78.945,"sentiment":"neutral","sentiment_score":-0.04806346260011196},{"text":"How do you feel?","start":78.945,"end":79.925,"sentiment":"neutral","sentiment_score":-0.049150793813169}],"sentiment":"neutral","sentiment_score":-0.012118452448736538,"channel":0,"num_words":55,"start":64.18,"end":79.925},{"sentences":[{"text":"Oh, at the moment, we're sort of feeling okay with with how it is.","start":80.90501,"end":85.619995,"sentiment":"neutral","sentiment_score":-0.048859878310135434}],"sentiment":"neutral","sentiment_score":-0.048859878310135434,"channel":1,"num_words":14,"start":80.90501,"end":85.619995},{"sentences":[{"text":"Yeah.","start":86.0,"end":86.5,"sentiment":"neutral","sentiment_score":0.0199754498898983}],"sentiment":"neutral","sentiment_score":0.0199754498898983,"channel":0,"num_words":1,"start":86.0,"end":86.5},{"sentences":[{"text":"Yeah.","start":87.2,"end":87.7,"sentiment":"neutral","sentiment_score":0.0026705656200647354}],"sentiment":"neutral","sentiment_score":0.0026705656200647354,"channel":1,"num_words":1,"start":87.2,"end":87.7},{"sentences":[{"text":"No.","start":88.32,"end":88.56,"sentiment":"neutral","sentiment_score":-0.05619402974843979},{"text":"That's absolutely fine.","start":88.56,"end":89.86,"sentiment":"neutral","sentiment_score":-0.008553000167012215}],"sentiment":"neutral","sentiment_score":-0.020463257562369108,"channel":0,"num_words":4,"start":88.32,"end":89.86},{"sentences":[{"text":"Because","start":89.84,"end":90.32,"sentiment":"neutral","sentiment_score":-0.0341058075428009}],"sentiment":"neutral","sentiment_score":-0.0341058075428009,"channel":1,"num_words":1,"start":89.84,"end":90.32},{"sentences":[{"text":"Yeah.","start":90.0,"end":90.24,"sentiment":"neutral","sentiment_score":-0.025299206376075745},{"text":"That's","start":90.24,"end":90.56,"sentiment":"neutral","sentiment_score":-0.056961365044116974}],"sentiment":"neutral","sentiment_score":-0.04113028571009636,"channel":0,"num_words":2,"start":90.0,"end":90.56},{"sentences":[{"text":"because I...","start":90.32,"end":90.9,"sentiment":"neutral","sentiment_score":-0.06305330619215965}],"sentiment":"neutral","sentiment_score":-0.06305330619215965,"channel":1,"num_words":2,"start":90.32,"end":90.9},{"sentences":[{"text":"okay.","start":90.56,"end":91.06,"sentiment":"neutral","sentiment_score":-0.055834393948316574}],"sentiment":"neutral","sentiment_score":-0.055834393948316574,"channel":0,"num_words":1,"start":90.56,"end":91.06},{"sentences":[{"text":"He's literally only getting, like, 300 and something pension","start":91.68,"end":96.845,"sentiment":"neutral","sentiment_score":-0.08784434157941076}],"sentiment":"neutral","sentiment_score":-0.08784434157941076,"channel":1,"num_words":9,"start":91.68,"end":96.845},{"sentences":[{"text":"Mhmm.","start":97.575,"end":98.075,"sentiment":"neutral","sentiment_score":-0.06080337241292}],"sentiment":"neutral","sentiment_score":-0.06080337241292,"channel":0,"num_words":1,"start":97.575,"end":98.075},{"sentences":[{"text":"a a fortnight.","start":98.185,"end":98.845,"sentiment":"neutral","sentiment_score":-0.08028159538904826},{"text":"And, like, my wage flickers between anything between","start":99.625,"end":104.845,"sentiment":"neutral","sentiment_score":-0.04200822580605745}],"sentiment":"neutral","sentiment_score":-0.05244641751050949,"channel":1,"num_words":11,"start":98.185,"end":104.845},{"sentences":[{"text":"Yep.","start":104.4225,"end":104.9225,"sentiment":"neutral","sentiment_score":-0.026918724179267883}],"sentiment":"neutral","sentiment_score":-0.026918724179267883,"channel":0,"num_words":1,"start":104.4225,"end":104.9225},{"sentences":[{"text":"probably, like, 15 and $17.50, 1,800 a fortnight.","start":105.225,"end":110.045,"sentiment":"neutral","sentiment_score":-0.024816561257466674}],"sentiment":"neutral","sentiment_score":-0.024816561257466674,"channel":1,"num_words":8,"start":105.225,"end":110.045},{"sentences":[{"text":"Yeah.","start":111.509995,"end":112.009995,"sentiment":"neutral","sentiment_score":-0.0164477676153183}],"sentiment":"neutral","sentiment_score":-0.0164477676153183,"channel":0,"num_words":1,"start":111.509995,"end":112.009995},{"sentences":[{"text":"And we...","start":111.6,"end":112.340004,"sentiment":"neutral","sentiment_score":-0.02280433662235737},{"text":"Yeah.","start":113.200005,"end":113.520004,"sentiment":"neutral","sentiment_score":-0.01987287402153015},{"text":"And look, we...","start":113.520004,"end":114.16,"sentiment":"neutral","sentiment_score":-0.022724730893969536},{"text":"And 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time.","start":120.56,"end":127.255,"sentiment":"neutral","sentiment_score":-0.03651126779408918},{"text":"So","start":127.255,"end":127.755,"sentiment":"neutral","sentiment_score":0.07309839874505997}],"sentiment":"neutral","sentiment_score":-0.03074233797623923,"channel":1,"num_words":19,"start":120.56,"end":127.755},{"sentences":[{"text":"Yeah.","start":128.005,"end":128.505,"sentiment":"neutral","sentiment_score":0.1282774955034256},{"text":"That's fine.","start":128.645,"end":129.545,"sentiment":"neutral","sentiment_score":0.2553836703300476}],"sentiment":"neutral","sentiment_score":0.21301494538784027,"channel":0,"num_words":3,"start":128.005,"end":129.545},{"sentences":[{"text":"is that okay to stay on 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the","start":148.93001,"end":149.25,"sentiment":"neutral","sentiment_score":0.030360860750079155}],"sentiment":"neutral","sentiment_score":0.13778277556851226,"channel":0,"num_words":53,"start":131.045,"end":149.25},{"sentences":[{"text":"Yes.","start":149.09001,"end":149.59001,"sentiment":"neutral","sentiment_score":0.04873081669211387}],"sentiment":"neutral","sentiment_score":0.04873081669211387,"channel":1,"num_words":1,"start":149.09001,"end":149.59001},{"sentences":[{"text":"idea was that when you got the age pension...","start":149.25,"end":151.33,"sentiment":"neutral","sentiment_score":0.03318188479170203},{"text":"And I believe Kayden mentioned to me you're getting about $10 more than we'd recommended.","start":151.33,"end":155.295,"sentiment":"neutral","sentiment_score":0.04390520403782527},{"text":"You're about a 190 a fortnight.","start":155.295,"end":158.11499,"sentiment":"neutral","sentiment_score":0.02353176660835743},{"text":"Is that right?","start":158.17499,"end":158.915,"sentiment":"neutral","sentiment_score":0.018180069513618946}],"sentiment":"neutral","sentiment_score":0.034937752481324205,"channel":0,"num_words":33,"start":149.25,"end":158.915},{"sentences":[{"text":"It says it says about 197 fortnight in it?","start":159.355,"end":162.81499,"sentiment":"neutral","sentiment_score":0.0059810104883379405},{"text":"Depends.","start":163.11499,"end":163.61499,"sentiment":"neutral","sentiment_score":0.05620723217725754}],"sentiment":"neutral","sentiment_score":0.0110036326572299,"channel":1,"num_words":10,"start":159.355,"end":163.61499},{"sentences":[{"text":"Oh, 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half.","start":999.785,"end":1003.14496,"sentiment":"neutral","sentiment_score":0.039929184796554704},{"text":"So...","start":1003.14496,"end":1003.64496,"sentiment":"neutral","sentiment_score":0.017242664471268654}],"sentiment":"neutral","sentiment_score":0.0384167501082023,"channel":0,"num_words":15,"start":999.785,"end":1003.64496},{"sentences":[{"text":"Alright.","start":1003.375,"end":1003.875,"sentiment":"neutral","sentiment_score":0.13110485672950745}],"sentiment":"neutral","sentiment_score":0.13110485672950745,"channel":1,"num_words":1,"start":1003.375,"end":1003.875},{"sentences":[{"text":"Yeah.","start":1003.70496,"end":1004.20496,"sentiment":"neutral","sentiment_score":0.14954668283462524}],"sentiment":"neutral","sentiment_score":0.14954668283462524,"channel":0,"num_words":1,"start":1003.70496,"end":1004.20496},{"sentences":[{"text":"Okay.","start":1005.71,"end":1006.21,"sentiment":"neutral","sentiment_score":0.24881958961486816},{"text":"Enjoy.","start":1006.91003,"end":1007.41003,"sentiment":"positive","sentiment_score":0.5189652442932129}],"sentiment":"positive","sentiment_score":0.3838924169540405,"channel":1,"num_words":2,"start":1005.71,"end":1007.41003},{"sentences":[{"text":"You too.","start":1008.15295,"end":1008.71295,"sentiment":"positive","sentiment_score":0.4425339549779892},{"text":"Thanks so much.","start":1008.71295,"end":1009.613,"sentiment":"positive","sentiment_score":0.7079269488652548},{"text":"See","start":1009.753,"end":1009.91296,"sentiment":"neutral","sentiment_score":0.2689031660556793}],"sentiment":"positive","sentiment_score":0.5462919871012369,"channel":0,"num_words":6,"start":1008.15295,"end":1009.91296},{"sentences":[{"text":"K.","start":1009.79004,"end":1010.19,"sentiment":"neutral","sentiment_score":0.22617346048355105}],"sentiment":"neutral","sentiment_score":0.22617346048355105,"channel":1,"num_words":1,"start":1009.79004,"end":1010.19},{"sentences":[{"text":"you later.","start":1009.91296,"end":1010.65295,"sentiment":"positive","sentiment_score":0.33409400284290314}],"sentiment":"positive","sentiment_score":0.33409400284290314,"channel":0,"num_words":2,"start":1009.91296,"end":1010.65295},{"sentences":[{"text":"See you.","start":1010.19,"end":1010.93,"sentiment":"neutral","sentiment_score":0.2760933116078377},{"text":"Bye.","start":1011.23004,"end":1011.73004,"sentiment":"neutral","sentiment_score":0.1683458387851715}],"sentiment":"neutral","sentiment_score":0.24017748733361563,"channel":1,"num_words":3,"start":1010.19,"end":1011.73004},{"sentences":[{"text":"Bye.","start":1011.35297,"end":1011.85297,"sentiment":"neutral","sentiment_score":-0.1273879110813141}],"sentiment":"neutral","sentiment_score":-0.1273879110813141,"channel":0,"num_words":1,"start":1011.35297,"end":1011.85297}]},"summary":{"result":"success","short":"Representatives from OQ Financial and an insurance company discuss retirement plans with customers, emphasizing reducing drawdowns and maintaining previous plans. They also provide information on retirement processes and suggest checking tax returns. The representatives offer assistance with cutting and damage and provide updates on ongoing service agreements. They confirm annual reviews and earnings reports, and offer to follow up with customers. The conversations end with representatives thanking customers and wishing them well."},"intents":{"segments":[{"text":"It was just part of the recommendations, just sort of looking at how much you needed to live on, and we sort of draw... We're drawing out that $17.36 on a fortnightly basis and then keeping your income coming in as a bit of a buffer. And the Yes.","start_word":344,"end_word":392,"intents":[{"intent":"Inform about recommendations","confidence_score":0.000048017126},{"intent":"Clarify recommendation","confidence_score":0.04418588}]},{"text":"Oh, fantastic. Yeah. No. Excellent. It's I that worked out well. Yeah. Yeah.","start_word":436,"end_word":448,"intents":[{"intent":"Confirm understanding","confidence_score":0.057048224}]},{"text":"So the recommendation was based on how much you were able to get from the age pension entitlement per fortnight, we were going to then reduce your account based pension withdrawal, basically, by that amount to make sure that you were still withdrawing what you needed to to cover your expenditure, but it was just sort of between the age pension and the and the account based pension side of things.","start_word":559,"end_word":629,"intents":[{"intent":"Recommend keeping age pension entitlement","confidence_score":0.20198265}]},{"text":"Because when we looked at your living expenses, you needed about $868 per week living expenses. And that can definitely change.","start_word":644,"end_word":664,"intents":[{"intent":"Discuss living expenses","confidence_score":0.047624923}]},{"text":"Mhmm.","start_word":769,"end_word":769,"intents":[{"intent":"Clarify need for funds","confidence_score":0.030510345}]},{"text":"Because we're on a property, and you never know when a pump's gonna go or there's gonna be a Yep. water leak or there's gonna be, you know, like, some... Like, over winter, we've needed to buy in firewood. You know, Yep. like, there's all those other things as well that... Yeah.","start_word":770,"end_word":821,"intents":[{"intent":"Clarify unforeseen situations","confidence_score":0.0005183789}]},{"text":"And, look, when we make the recommendation originally, it is more just looking Yeah.","start_word":891,"end_word":904,"intents":[{"intent":"Make recommendations","confidence_score":0.07616443}]},{"text":"I will keep your pension payments from hub twenty four at that $17.36 per fortnight for you.","start_word":955,"end_word":971,"intents":[{"intent":"Keep pension payments","confidence_score":0.58890635}]},{"text":"I will keep your pension payments from hub twenty four at that $17.36 per fortnight for you. You've still got your age pension entitlement coming in, which is great as well. And then we can just review that down the track and adjust it as needed. How does that sound?","start_word":955,"end_word":1004,"intents":[{"intent":"Review and adjust pension","confidence_score":0.027887955}]},{"text":"Does Neil still have to submit tax returns after retirement?","start_word":1015,"end_word":1024,"intents":[{"intent":"Submit tax returns","confidence_score":0.5111165},{"intent":"Request tax return","confidence_score":0.46986288},{"intent":"Ask about tax return requirements","confidence_score":0.0036591534}]},{"text":"But Centrelink can... And the age pension is technically a taxable payment. So I would probably just check with Centrelink to see whether they want a tax return completed every year.","start_word":1068,"end_word":1098,"intents":[{"intent":"Check with centrelink","confidence_score":0.12193561}]},{"text":"often than not, we find people, once they stop working, have it worked the next financial year, are just receiving Centrelink benefits or age pension, and drawing out of their super, they stop doing a tax return. But, yeah, like, you... What you... Comes out of your super, that is account based pension, and that is completely income tax free. So you don't have to worry about noting that down at all. Good.","start_word":1212,"end_word":1284,"intents":[{"intent":"Provide pension information","confidence_score":0.017453916}]},{"text":"I've been really happy with it, but let me just pull up a quick report there for you.","start_word":1581,"end_word":1598,"intents":[{"intent":"Provide report","confidence_score":0.19207753}]},{"text":"So having a look at where things are sort of tracking. Since July, everything has been going quite nicely here. Essentially, you're up by just under 1%. That's very normal for it being such a short time frame. But in that less than 1% increase, the earnings, the growth, and the income that's being produced out of your pension account is over $5,416. So it is working.","start_word":1632,"end_word":1698,"intents":[{"intent":"Check progress","confidence_score":0.41351455},{"intent":"Check tracking","confidence_score":0.14452489}]},{"text":"I'll keep watching it and do a bit of a catch up with you in the next few months. Did you want me to do a catch up with you maybe just after Christmas or before Christmas? Or when would you like the next catch up? Yeah.","start_word":1767,"end_word":1813,"intents":[{"intent":"Schedule catch-up","confidence_score":0.037142977}]},{"text":"The only other thing to let you know, Neil, is that we do need to update your ongoing service agreement. So I'll get the team to resend that out to you. Your ongoing service fee just stays at that 1.65% for the next twelve months. Are you happy for us to resend that out to you today? Yep.","start_word":1883,"end_word":1940,"intents":[{"intent":"Create service agreement","confidence_score":0.00009246086}]},{"text":"So he he misses a bit, so I'll I'll go punch it out for him so he can just pick it and put it in the wind rose and come in and barrel it up for him.","start_word":2216,"end_word":2252,"intents":[{"intent":"Reschedule meeting","confidence_score":0.0007097984}]}]},"sentiments":{"segments":[{"text":"Hi, Neil. It's Dana from OQ Financial. How are you today? Hello? Yeah.","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.16006775200366974},{"text":"Not too bad. That's good.","start_word":13,"end_word":17,"sentiment":"positive","sentiment_score":0.5076339840888977},{"text":"I had you booked in for a bit of a quick catch up. Is now still a good time there for you? Yep. Yep.","start_word":18,"end_word":41,"sentiment":"neutral","sentiment_score":0.2880023717880249},{"text":"Beautiful.","start_word":42,"end_word":42,"sentiment":"positive","sentiment_score":0.5098630785942078},{"text":"I believe Kayden mentioned you wanted Camilla to be there as well. Is she there available? Yeah. She's here. Yeah. I'm here, Dana. Hi, Camilla. How are you? Yeah.","start_word":43,"end_word":71,"sentiment":"neutral","sentiment_score":0.11636628955602646},{"text":"Good. Thank you. That is excellent. Excellent.","start_word":72,"end_word":78,"sentiment":"positive","sentiment_score":0.633350670337677},{"text":"I just want to do a bit of a quick catch up because when we did the advice, we set the pension up, and you're getting those regular pension payments, which is fantastic. But the second stage that pension advice was that when your age pension application was approved, we were gonna just pull back and reduce the amount that you were drawing out of your your account based pension because you were sort of not needing as much money. I know inflation's a thing, and the cost of living and everything's still gone up. Are you finding you need that extra little bit of money to come out of that pension account with your Centrelink, or are you happy to kind of draw back how much you... You know, reduce how much you're drawing out of your age pension... Out of your account based pension? How do you feel? Oh, at the moment, we're sort of feeling okay with with how it is. Yeah. Yeah. No. That's absolutely fine. Because Yeah. That's because I... okay. He's literally only getting, like, 300 and something pension Mhmm. a a fortnight. And, like, my wage flickers between anything between Yep. probably, like, 15 and $17.50, 1,800 a fortnight. Yeah. And we... Yeah. And look, we... And we've Absolutely. still got all our other, you know, bills and and commitments, private health, vehicle Yeah. insurance, all all those other, you know, bills that take a fairly big chunk out at a time. So Yeah. That's fine. is that okay to stay on on Yeah.","start_word":79,"end_word":339,"sentiment":"neutral","sentiment_score":0.020697445148366623},{"text":"That is absolutely fine.","start_word":340,"end_word":343,"sentiment":"positive","sentiment_score":0.6348063349723816},{"text":"It was just part of the recommendations, just sort of looking at how much you needed to live on, and we sort of draw... We're drawing out that $17.36 on a fortnightly basis and then keeping your income coming in as a bit of a buffer. And the Yes. idea was that when you got the age pension... And I believe Kayden mentioned to me you're getting about $10 more than we'd recommended. You're about a 190 a fortnight. Is that right? It says it says about 197 fortnight in it? Depends.","start_word":344,"end_word":435,"sentiment":"neutral","sentiment_score":0.056713271886110306},{"text":"Oh, fantastic.","start_word":436,"end_word":437,"sentiment":"positive","sentiment_score":0.5619619488716125},{"text":"Yeah. No.","start_word":438,"end_word":439,"sentiment":"neutral","sentiment_score":0.2660854160785675},{"text":"Excellent. It's I that worked out well.","start_word":440,"end_word":446,"sentiment":"positive","sentiment_score":0.5746848583221436},{"text":"Yeah. Yeah. No.","start_word":447,"end_word":449,"sentiment":"neutral","sentiment_score":0.11938741058111192},{"text":"That's perfect.","start_word":450,"end_word":451,"sentiment":"positive","sentiment_score":0.4054585993289947},{"text":"Because in the recommendation, the math I had worked out manually was that... It was gonna be about $187.93 per fortnight.","start_word":452,"end_word":472,"sentiment":"neutral","sentiment_score":0.12194659560918808},{"text":"So you're actually getting $10 more than the math came out for my side of things. So I love that. That's excellent.","start_word":473,"end_word":494,"sentiment":"positive","sentiment_score":0.48145925998687744},{"text":"But... Yeah. That's a... Actually, Sorry, just... Kimberly. You're right. No. No. You're right. I think the pension's a little bit more. It's about 300. Oh, It's... is it? Yeah. Just over 300. A fortnight? Yeah. Okay.","start_word":495,"end_word":531,"sentiment":"neutral","sentiment_score":-0.01198328658938408},{"text":"Beautiful.","start_word":532,"end_word":532,"sentiment":"positive","sentiment_score":0.4987108111381531},{"text":"Yeah. So you're getting a lot more. So 300 per fortnight. Yeah. So what what is the recommendation to drop the draw down to? Yeah. So the recommendation was based on how much you were able to get from the age pension entitlement per fortnight, we were going to then reduce your account based pension withdrawal, basically, by that amount to make sure that you were still withdrawing what you needed to to cover your expenditure, but it was just sort of between the age pension and the and the account based pension side of things. But that is just the recommendation based on what you needed to live on originally. Because when we looked at your living expenses, you needed about $868 per week living expenses. And that can definitely change. But if you feel like at the moment you wanna keep the age pension entitlement plus what you're drawing out of hub 24 out of the account based pension and keep it as is, that's Yep.","start_word":533,"end_word":700,"sentiment":"neutral","sentiment_score":0.10523486515462752},{"text":"absolutely fine. I'll just make a final note for you that that's gonna stay as it is currently, and we don't need to make any changes there if that's what you're comfortable with.","start_word":701,"end_word":733,"sentiment":"positive","sentiment_score":0.3714289665222168},{"text":"Yeah.","start_word":734,"end_word":734,"sentiment":"neutral","sentiment_score":0.2938985824584961},{"text":"That'd be good.","start_word":735,"end_word":737,"sentiment":"positive","sentiment_score":0.413043737411499},{"text":"Because then that way it's... So it makes us feel a bit like, you know, if there... If something urgent comes up and we need some funds, you know, like... Yes. Mhmm. Because we're on a property, and you never know when a pump's gonna go or there's gonna be a Yep. water leak or there's gonna be, you know, like, some... Like, over winter, we've needed to buy in firewood. You know, Yep. like, there's all those other things as well that... Yeah. It's sort of... Come out of the blue. Yeah. Yeah. Sort Yep. of... Yeah.","start_word":738,"end_word":835,"sentiment":"neutral","sentiment_score":-0.00442851847037673},{"text":"It's nice to have that little bit of a know that there's that little bit of extra, you know, a couple 100 or $4.09 coming in that that fits in, you know, in those in those. So So it looks like gold at the moment.","start_word":836,"end_word":880,"sentiment":"positive","sentiment_score":0.3792199492454529},{"text":"Oh. Yeah. Absolutely. Is No.","start_word":881,"end_word":885,"sentiment":"neutral","sentiment_score":0.004110765643417835},{"text":"Honestly, that is absolutely fine.","start_word":886,"end_word":890,"sentiment":"positive","sentiment_score":0.6261170506477356},{"text":"And, look, when we make the recommendation originally, it is more just looking Yeah. at what your expenditure was, and how we make Yeah. that expenditure work for you. But things definitely change, and I know the cost of food and fuel and everything else just keeps on going up for us.","start_word":891,"end_word":942,"sentiment":"neutral","sentiment_score":0.15394775569438934},{"text":"So if that's what you're both really happy with, that's absolutely fine. I will keep your pension payments from hub twenty four at that $17.36 per fortnight for you. You've still got your age pension entitlement coming in, which is great as well. And then we can just review that down the track and adjust it as needed.","start_word":943,"end_word":1000,"sentiment":"positive","sentiment_score":0.5261001586914062},{"text":"How does that sound? Yeah.","start_word":1001,"end_word":1005,"sentiment":"neutral","sentiment_score":0.2612948715686798},{"text":"Yeah. Sounds perfect. Hi. Beautiful.","start_word":1006,"end_word":1010,"sentiment":"positive","sentiment_score":0.5159096121788025},{"text":"One other question. Sure. Does Neil still have to submit tax returns after retirement? Technically, real... It really comes down to have you worked within that financial year, have you earned any technically taxable income? You don't have to when you are drawing from your a... From the account based pension because that is all separate. Yep. But Centrelink can... And the age pension is technically a taxable payment. So I would probably just check with Centrelink to see whether they want a tax return completed every year. More often than not, they don't, and you generally stop after you stopped working and haven't worked a full a full... Okay. Fiscal. Sorry. Yeah. A full further to a year. Yeah. That's Yep. the one I'm looking for. Sorry. So, realistically, you shouldn't have to. Okay. Centrelink can request that you do so. Yep. You could also just speak to your accountant when you do your last tax return and go, hey. Look. This is what I'm receiving. Is it worth doing a tax return? Do Yep. you think the ATO is gonna want one done? And your Yep. accountant can also give you that information as well. But more Sure. often than not, we find people, once they stop working, have it worked the next financial year, are just receiving Centrelink benefits or age pension, and drawing out of their super, they stop doing a tax return. But, yeah, like, you... What you... Comes out of your super, that is account based pension, and that is completely income tax free. So you don't have to worry about noting that down at all.","start_word":1011,"end_word":1282,"sentiment":"neutral","sentiment_score":0.04944268611314542},{"text":"Good. Good. Thank you for clarifying. Yeah. That's okay. That's not a problem at all.","start_word":1283,"end_word":1297,"sentiment":"positive","sentiment_score":0.544175922870636},{"text":"Well, I'll make a note that we're not gonna reduce the pension payments from here at the moment. We'll keep them exactly as they are. Yep. Yep. If anything comes up, please let me know.","start_word":1298,"end_word":1332,"sentiment":"neutral","sentiment_score":0.18395084142684937},{"text":"I'm more than happy to sort of help out and answer any questions or readjust things if you find you need anything additional there.","start_word":1333,"end_word":1356,"sentiment":"positive","sentiment_score":0.4279114603996277},{"text":"The only thing I was probably gonna ask is if... Camilla, do you still happen to have my email address handy? I... I'm sure I do. Yeah. I was just gonna ask if you guys could grab me a copy of the most recent statement from Centrelink that shows the age pension entitlement and how much you're getting just Yep. so I can add that to the file just for future reference for here for running to the annual reviews and things like that, if that's okay. Yes. Sure thing. Yep. I'll do that... Awesome.","start_word":1357,"end_word":1451,"sentiment":"neutral","sentiment_score":0.09208545833826064},{"text":"Sounds good.","start_word":1452,"end_word":1453,"sentiment":"positive","sentiment_score":0.4260252714157105},{"text":"No.","start_word":1454,"end_word":1454,"sentiment":"neutral","sentiment_score":0.15317688882350922},{"text":"Oh, thank you so much, Camilla. I do appreciate that.","start_word":1455,"end_word":1464,"sentiment":"positive","sentiment_score":0.3721024990081787},{"text":"Is there any... Yes. Sorry. Yeah. Absolutely fine.","start_word":1465,"end_word":1472,"sentiment":"neutral","sentiment_score":0.13078191876411438},{"text":"That's not a problem at all.","start_word":1473,"end_word":1478,"sentiment":"positive","sentiment_score":0.35216256976127625},{"text":"I can always shoot another email through to Neil if you do need me to pop that through just so you've got my email at the front there at the top of your inbox if you need to as well. Okay.","start_word":1479,"end_word":1519,"sentiment":"neutral","sentiment_score":0.26418745517730713},{"text":"Yeah. Excellent.","start_word":1520,"end_word":1521,"sentiment":"positive","sentiment_score":0.45286425948143005},{"text":"Right. Is Alright. there any other questions or concerns or anything else you need from me at the moment? Oh, They come to my mind. No. I'm No? all good. Neil, That's you're okay. Miss Cooper's traveling along okay? Yeah. Yeah. Let's have a look and see how we're doing at the moment.","start_word":1522,"end_word":1574,"sentiment":"neutral","sentiment_score":0.12103097506289212},{"text":"Everything has been going quite nicely. I've been really happy with it, but let me just pull up a quick report there for you.","start_word":1575,"end_word":1598,"sentiment":"positive","sentiment_score":0.44981130957603455},{"text":"I'll just go from here. Sorry. It's just loading. Obviously, he haven't got AI. No. Now I've gotta do it manually. Sorry. That's alright. It's just taking a second to load.","start_word":1599,"end_word":1629,"sentiment":"neutral","sentiment_score":-0.04286714270710945},{"text":"Beautiful.","start_word":1630,"end_word":1630,"sentiment":"positive","sentiment_score":0.3491641879081726},{"text":"Okay. So having a look at where things are sort of tracking.","start_word":1631,"end_word":1642,"sentiment":"neutral","sentiment_score":0.1370190531015396},{"text":"Since July, everything has been going quite nicely here.","start_word":1643,"end_word":1651,"sentiment":"positive","sentiment_score":0.35133096575737},{"text":"Essentially, you're up by just under 1%. That's very normal for it being such a short time frame. But in that less than 1% increase, the earnings, the growth, and the income that's being produced out of your pension account is over $5,416.","start_word":1652,"end_word":1694,"sentiment":"neutral","sentiment_score":0.1338164359331131},{"text":"So it is working. It is doing what we need to.","start_word":1695,"end_word":1705,"sentiment":"positive","sentiment_score":0.46703678369522095},{"text":"The returns are gonna be a little bit less this year because of the ups and downs the market has definitely seen, but that return definitely helps with being able to draw down income payments there for you.","start_word":1706,"end_word":1743,"sentiment":"neutral","sentiment_score":0.14948338270187378},{"text":"So it is working and doing exactly what we want it to.","start_word":1744,"end_word":1755,"sentiment":"positive","sentiment_score":0.4391674101352692},{"text":"Yep. Alright. Now I understand. Yeah.","start_word":1756,"end_word":1761,"sentiment":"neutral","sentiment_score":0.0914122462272644},{"text":"Good. Beautiful. Good.","start_word":1762,"end_word":1764,"sentiment":"positive","sentiment_score":0.4093672037124634},{"text":"Yeah. Yeah. I'll keep watching it and do a bit of a catch up with you in the next few months. Did you want me to do a catch up with you maybe just after Christmas or before Christmas? Or when would you like the next catch up? Yeah. Oh, and after Chrissy, you'll be fine. Yeah. Yeah. When we come back in January? Easy. Yep. Yeah.","start_word":1765,"end_word":1831,"sentiment":"neutral","sentiment_score":0.11436063796281816},{"text":"Sounds great. Thank you, Diana. Beautiful.","start_word":1832,"end_word":1837,"sentiment":"positive","sentiment_score":0.5982400178909302},{"text":"That's okay. If you both need anything over the next few months, let me know. I'll get my team to give you a call after Christmas break, and we'll book you back in for a catch up to see how things are tracking for you. The only other thing to let you know, Neil, is that we do need to update your ongoing service agreement. So I'll get the team to resend that out to you. Your ongoing service fee just stays at that 1.65% for the next twelve months. Are you happy for us to resend that out to you today? Yep. Yeah.","start_word":1838,"end_word":1941,"sentiment":"neutral","sentiment_score":0.11706949920895009},{"text":"Beautiful. Excellent.","start_word":1942,"end_word":1943,"sentiment":"positive","sentiment_score":0.5962952971458435},{"text":"Do you have any questions about the ongoing service agreement? No. No. That's okay. Yeah. It's pretty stock standard. You've done it a few times before. Yeah.","start_word":1944,"end_word":1970,"sentiment":"neutral","sentiment_score":0.12803803384304047},{"text":"All good. I'll get that one sent out for you today.","start_word":1971,"end_word":1981,"sentiment":"positive","sentiment_score":0.38849955797195435},{"text":"If you can just sign and return that back, it'll be in your email shortly. And then that just allows us to continue providing our services and looking after things for you. And I'll make sure we touch base in January if I haven't heard from you beforehand. Yeah. Yeah. Because mine... Mine's capped now, isn't it? That's Okay? At the moment, it is. Yeah. Yep. why I've gotta sign this new agreement. Yeah. Yeah. We do one every year with you to renew it. Yeah. Yep. Perfect. Yeah. Well, Alright. Google, No if worries. there's anything else if there's anything else you need, let me know. Otherwise, if I don't talk to you beforehand, I hope you both have a wonderful Christmas. I've got lots to do outside. Oh, I bet you do. Yeah. I've got a... My Nice. local farmer's gonna come in and cut and bail. And I got a third baby boom pile out there. I gotta get rid of it, obviously. But I can help him out by I just bought another... A ride on for the next one of the neighbor bigger Yep. than mine. So that's... I'm gonna use that in the paddock so so I can push the the grass that he needs to cut because he can't get too close to the fences. He can't get around. He doesn't do right hand turns. Right? Yeah. So he he misses a bit, so I'll I'll go punch it out for him so he can just pick it and put it in the wind rose and come in and barrel it up for him. I said you'll have a a burnt spot so you can go around that. So that's a good... I've gotta go mow around so I can set me burn pile on fire. Oh, wow. Because it's... No. It's close to the house, but I wouldn't Yeah. like a through. No. Within... We've been very lucky. We've been here twenty eight years, and Yeah. the closest five was a bike. It's in the the road that actually leads down to ours. He clipped the rock and said Yeah. there's Wow. a place just across the road from us. It's called a Yeah. public open space. He said Yep. some... And that's the closest fire we've had. Oh, wow. But that's all been cleaned up now. The shire actually must have spent a pretty penny on these guys coming in, and now I can... Actually, the houses that are on Rylands that I could never ever see. Yeah. Wow. So... Yeah. So they've made it a bit more fire friendly for us. So it's... No. It's all good. Because there's Yeah. a lot... Wow. Well, we're we're lucky here where we don't have, like, bushfires. I'm I'm heavily tree. I'm not heavily tree, but I have a lot of trees on my property. Yeah. But not like a forest or anything like that. I I had more paddock fires than than, you know, like, dense bushfires. And Yes. I fuel load down as much as I can. Yeah. You know, I've gotten... I'm, like, once Henry's done, I'll go out and do all the edges Yeah. that doesn't get. So, you know, I can cut cut down on the load, fuel load around there, but there's one pad you can't get in there. It's got the the most food in it because there's too many trees in there. Yeah. The trees, but you're not allowed you're not allowed to. Even though they're on your property, Yeah. you're not allowed to cut down trees. No. I've heard that. We have the same thing with our council. They're very strict about that. And I was like, well, they're protruding on my property. I'm gonna knock my fence over, and I've had to put a notice into my council to see if I can get something removed too. Yeah. If the next door neighbor's fences are trees hanging over, you can actually get them to prune them. Yeah. Because if if if it does come down and damage a fence in it, it's... They'll they'll liable for it. Yeah. Yeah. Yeah. Same Yes. rules. All the shard are the same across Australia, I think. One Ow. good thing, price is dropped And that sort of thing that you get when you Yeah. get your pension, which is Yep. good. Yeah. Yep. Yeah. Alright. I know you're a busy lady, so I better let you That's go. okay.","start_word":1982,"end_word":2734,"sentiment":"neutral","sentiment_score":-0.011622083040664238},{"text":"That's okay. It's an absolute pleasure to catch up with you. I'm glad things are working well for you, and you let me Yep.","start_word":2735,"end_word":2758,"sentiment":"positive","sentiment_score":0.6095418334007263},{"text":"know if there's anything else you need.","start_word":2759,"end_word":2765,"sentiment":"neutral","sentiment_score":0.30857038497924805},{"text":"I'm always happy to help. Alright. No worries. Thanks, Dana. My pleasure. Enjoy your afternoon. Thanks so much, Neil. No worries. Thanks, Dana. Thanks. Thanks, Camilla. Have a great afternoon. Yeah. You too. Thank you,.","start_word":2766,"end_word":2800,"sentiment":"positive","sentiment_score":0.6267337203025818},{"text":"Like yours See is you nearly later. yours is nearly... I've got another hour and a bit to go, another hour and a half. So... Alright. Yeah. Okay.","start_word":2801,"end_word":2828,"sentiment":"neutral","sentiment_score":0.07555384933948517},{"text":"Enjoy. You too. Thanks so much.","start_word":2829,"end_word":2834,"sentiment":"positive","sentiment_score":0.574792206287384},{"text":"See K. you later. See you. Bye. Bye.","start_word":2835,"end_word":2842,"sentiment":"neutral","sentiment_score":0.2284764051437378}],"average":{"sentiment":"neutral","sentiment_score":0.11262531859906592}}}}