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Well, let's jump into it. Before we do, though, I do need to let you know our call is recorded and just get you confirmed security for me. It's full name, date of birth, and address that I would have on file. Yep. Perfect. Okay. So cool. So where's Stillman? See? Look how good I did. I thought I remembered seeing your name. Yeah. Got it. Got it. Got it. Alright. It's s t I, l l, m a n? M a n? M a n. Yep. Cool. Amazing. Oh, I can get that done. Have you like, through what channels through what channels have you changed your address? Yes. Yes. Sorry. Your your name. Cool. Hi. Cool. Amazing. So if you're able to send me a photo of your ID That's so fine. That's actually fine. Yeah. Absolutely. You can there there's a there's a share link and stuff on the on the web we do these things and stuff through the app. You can you can download a copy and share it that way, so that's fine. Yeah. Yeah. If you log in to the yeah. If you log in to the app, you can I think it's, like, the top right hand corner or something? There's, like, a a way to share it, and it's, like, a downloadable PDF, and you can email that through. That's perfect. Perfect. So that will take care of that side of things to update your name, and then I believe the team sent you out a new beneficiary form and a change of details form. So if those ones are being sent to you, that's fine. Because what will happen is with the the ID that's there, we can change the name back so the account will settle into Stillman, which takes care of that side of things. Beneficiaries wise, I guess, do you know who you're nominating? Yes. Yeah. Nope. That's okay. I will remove any authority for us to contact on, like, you on his behalf, that server. Yeah. Fair. Absolutely fair. Because he's correct me if I'm wrong. He's not the father of any of your kids? Yeah. Yeah. Okay. Cool. Much happier household then. That's good. I'm so glad that that it's easier for you guys as a team. Yes. Yeah. Yeah. Yeah. So I'll at the end of this call, I'll send you an email with anything that's outstanding. I'll also reattach those documents for you. So the beneficiary nomination form and the change in name form as well. So that way, it's all in one email line. It comes straight back to me. Yep. So that way, it's just it's consolidated a little bit. I know you've gotten it from a couple of different sources, but I'll just send them through again. And then that will enable me to change everything. What I'll do with your ID is I'll put it through a ID verification just to make sure it's a valid ID. So it just it's literally a portal that allows us to double check with TMR, transport main roads. And get you there. Correct. Oh, well done. Easy. Perfect. And then the change of name form and the beneficiary form, they need to be printed, signed, scanned back. Because it has to be pen to paper. Now I wanna double check. Has your email address or anything like that changed? Are you intending on changing it? No. Yep. Yep. Yep. Have you guys yes. Sorry. No. No. You got it. Have you guys gone through financial separation, or is there any finances that you need to separate at all? Yeah. Yep. Yep. Yep. Yep. Yeah. Yep. Yep. Yep. Okay. Yep. Okay. Yeah. Yep. Yeah. No. I have I have brokers that I've dealt with that have definitely helped people out post a debt night, like, part night agreement. So it I mean, it does hit your credit rating, obviously, but, no, it's not it's not impossible to do. Not at all. Yeah. Where you're at. No. No. No. I've not at all. Boys suck. Yeah. Does he have his own kids? Because of lifestyle and choices. Yeah. Because you will forever be mom. Yeah. You you will forever be a maternal figure. They've like, they they obviously have their own mom, but you're a maternal figure to them. You're another parent. That's okay. Yeah. What happened? Yeah. Yeah. Yeah. It matters. I'm sorry, darling. Yes. Yep. Yep. Yeah. Okay. Yeah. And that's okay. It's just completely separate separate accounts, separate everything. It just everything gets gets split, basically. I'm sorry. Literacy? Yep. Yeah. Oh, yep. Go he all he has to do is just create a create a payment plan. Yeah. Oh, I you got there. And now the kids are stable and happy and can breathe, and you're happy, and it changes the entire Outlook. That's so good. That's so good. At least you can you can breathe and the kids. Yeah. Yeah. No. That's so good. Yeah. Just just a little bit. Just barely just keep you ahead above water. That's that's all we're doing. That's fair. Absolutely. Allowed to be. Perfect. Yep. Yep. Yes. Yeah. Sure do. Yes. Yes. Premiums. No. I know. So I I went to them because that so after that decision and we because, like, had the conversation, I've been I've met with a few of my insurers trying to see whether what I can do in terms of insurance, which I'll touch on in a minute. But I talked to one path, and I was like, cool. You've made a decision. Thanks. We'll close this off, and I closed it off. From that point, that was my interaction with them, and they went, perfect. We'll we'll close it off in our system. And it wasn't until you raised it that it's, like, it it flagged in our system. It's sort of at the same time. And one of the admin came over to me and was like, hey. A, Zoe just emailed in. B, there's this policy. And I was like, excuse me. So I jumped on the phone to OnePath, and when I spoke to when I spoke to the consultant, they turned around and they were like, oh, yeah. And they were shocked. So they actually got back to me this afternoon just before my call with you. They said that they would get back to me today, and they actually did, which for an insurer is surprising. Haven't had the best of luck with insurers of late. And they literally said that they agree that it should have been canceled. No no crap. And that they are now figuring out a remediation for that to deal with the fact that they've they've judged you and that they should've that it should've been closed x months ago and and and and. So I'm waiting to hear from them in terms of how they're going to deal with that, which will both get correspondence once they have it. Yeah. Correct. They they made they made a they made a determination. They canceled the policy, and then no one canceled it from there. So they're yes. Yeah. I remember you saying Yes. Zurich. Yeah. Yeah. So they never got they they never got their, like, money back through the quite despicable channels they were trying. Yep. Yeah. Yeah. But I would've gone for that too just for fun. Yeah. Yes. Yeah. The throwback and someone trying to I haven't seen a car loan in your case, but I've look. I like, I Yep. Yeah. Yeah. Yeah. Maybe maybe maybe maybe no men. There are. I'll tell you a secret I found. Go for the geeky guy that sits at home and plays his computer. He'll always be there to look after the kids, and they generally cook a pretty mean meal. And worst case scenario, they definitely know how to order a pizza. When you're ready. You and the kids need time. Because how how old are the kids? Yep. Yep. Do they need time? Especially the the younger two. Yeah. You got you got them into a good place where they they are able and they are capable of doing everything they need to. No. That's cool. I'm pretty sure I am. I'm like a bartender as we're we're part time therapists. No. Absolutely fine. Look. It it gives me it gives me insight into your position so I can understand where you're at anyway, and we can go from there. So few things on the forefront. Insurance, at this time, have not been able to find a retail insurer who will underwrite your policy. And, yeah, you have an extensive history. You you do. Like, you do, and that's okay. You're not the most complex I've seen, but it's it's an extensive history. It's still something I will continue to work on moving forward, but right this second, not something I can I can get across the line? Now I know that insurance is important to you, so I looked at default providers that will enable cover. So there are a couple of options. If you wanna pay for it out of your own pocket, there are providers like Real Insurance. Probably not something because I know that we spoke last time and you want to keep it inside the super fund. So the other option is as we look at, say, opening up a super fund, and I looked at a couple of different options in terms of cover, and it depends on whether you wanna go for more cover or more cost effective. So let me I'm pacing. I always pace when I talk, and then all of a sudden, I get asked the question of, and and what what does that mean? I'm like, excellent question. I have it on my screen that I don't have in front of me because I walked away. So what it basically means is we could look at sort of setting up one of a couple of different funds. And what that would do is that would enable us to get anywhere between sort of a 150 to $200,000 of life cover, about $80 in total pump disability, and anywhere from sort of, like, 1,000 to 3,000 a month in income protection that will give you some cover while I, a, continue to investigate, and b, maybe an insurer comes around. It's either that or we, for lack of a better phrase, because it is a Tuesday afternoon and I'm lacking in phrases, throw shit at the wall, and puts app like, send applications in and see whether they're going to because currently, I'm pre assessing, and I'm saying, hey. This is my client profile. Obviously, no names or contact details or anything they could identify you with, but I'm like, this is my client profile. What do you think? And going from there. And some of the times they're coming back saying, oh, maybe if we know more about this thing and so, like, there's sometimes a maybe, but sometimes there's, like, a straight up pretty muchly no. You'll be putting your client through a bunch of questions, and we're probably we're borderline saying no. So it just depends on how how much you wanna go through with everything you're going through, whether you just want, I guess, like, a patch fix for now so you have something in case something happens and let life settle a little bit, let yourself breathe a little bit, and then we circle back and try and get more extensive cover later and focus on some you know, getting your cash flow back into a position of comfort, getting life back. No. No. Like, realistically speaking, I'm I'm looking at under $1,000 to get sort of two $200,000 worth of life, $80,000 worth of TPD, and $3 worth of IP. Correct. Not really. Buying a house. Yes. No. None. Not with insurers. A statement from a job maybe, but that's pretty much about it. With regards to the direct one pass, I how long's a piece of string before I have an answer is kinda where I'm at. Look. I they investigated. They said, yeah. We done we we done done it. Let us work on it. So, theoretically, I would hope within a week I'd have an answer. But no. They'll refund it. Yeah. Correct. Yep. Yes. Yeah. Sitting at $66 or something. Yeah. No. They'll they'll refund the money and pop that back in, so that's fine. I am waiting to hear back from my BDM to basically speak to them because that'll be the person I liaise with, and they'll yell at the case manager. If I don't hear from my BDM by Monday, then I'll be going straight to the case manager and yelling at them instead. My BDM has a slightly thicker skin than the case manager does, though. So what's your grown man's job? Cool. I think give it a couple of years and yes. Because time and it's it's time like, because, like, your conditions do compound. So give them time to be able to, like, stabilize. You've theoretically, with the mental state, just had a flare up because another DV relationship would kind of pushes that side, but I think with time, we should be okay. I'm still trying. I have one more insurer that I wanna hit. Well, I wanna talk to. I'm not totally optimistic, which is why I kinda save them till last. And then in twelve months' time, I'll start my circle again. Yeah. Yeah. Yeah. Yeah. Yep. We can take like, you're young enough, we could take more risk, increase the allocation to, like, growth assets, which would in turn give you the capacity to be able to, like, build wealth, but it also means that it is a slightly higher risk. So win, lose, market gain, market drop. You're not you're not intending on accessing any of this money again, so we're we're good. Yeah. Yeah. Yeah. Well, can I on that note, you said that you're you've hit 6 figures? Do you know what your income is now? Nice. Hold on. I know what you mean. Perfect. Decreases your cost of living? Yeah. Well, do you have, like, a budget that like, now that you've slipped from James or that, like, that you've gone through and rebudgeted yourself, would you want me to send you through a bit of a budget tool so you can sit down and kind of work through? Yeah. Absolutely. Send it through, and I can have a look, tear it apart, and be like, hey. You forgot about these things, which is the one thing I always do. My favorite part is, hey. You forgot that your car needs servicing and all these other things. Your car, not so much. But yeah. Yeah. Yeah. Yeah. Cool. No. That's absolutely okay. We can I can I can do that? So if you send me you have my email. So if you send me budget, I'll I'll break down budget, and then I'll give formal insurance recommendation, have a look at how we can do Thank you. Yep. Portfolio change and look at that side of things. You've obviously got beneficiary forms to go to the kids. Biggest point I do have quickly, which we'll recap again, is you have two that are underage. You have two that are over, like, overage, but adults. If anything happens to you, what happens with the younger two? Okay. Yeah. Yeah. It's to be to be dealt with three others, that'd be that'd be a bit. But yeah. Yep. Yep. Absolutely. Alright. Perfect. Cool. That's good. I can connect you with a lawyer. I sure can. I can send you an email and cc them in and get them to reach out to you and filter from there. Yeah. Absolutely. That's easy. Yeah. They're not too bad, to be honest. I think it's about $1,500 to get will and a power of attorney done. So it's not stupid expensive, but it also depends on how crazy you wanna go with regards to planning, like, if you wanna set up trust and stuff like that. Based on the based on the assets you have, I wouldn't probably be jumping that far into that kettle, but it is an option. Yeah. No. You could sit with it. That's that's absolutely okay. It's just it the the biggest risk is is because the two youngest, they have a they have a male counterpart to their creation. If then if that male counterpart is on their birth certificate, technically, the male counterpart becomes their legal guardian unless that male counterpart says no and signs their rights over to Maddie. And only under that circumstance would Maddie actually become their legal guardian. Otherwise, technically, she's probably kidnapping them and or it's still the other parent's obligation to look after them. So that becomes the messy part, but even under a will, that's not gonna take care of that. It would it would literally be if, like, if anything happened to you before the youngest turned 18, they're I'm I'm gonna use the word father because irrespective, like, it's the male part party. Irrespective of how involved they are, that that father would become the legal guardian for that child if you have a 100% custody of that child unless their parental rights have been removed. Yeah. Yeah. And re realistically speaking, your eldest daughter could go to court and the kids are get the kids are old enough that the court like, after 12, the kids are old enough that the courts will take into consideration. Sounds like they were raised by a mother that can speak up, so that's good. Close. Yeah. Yes. Close. Yeah. Yeah. Okay. And and we can I can keep reminding you as a gentle friend to be like, hey? You said you want to do that thing. You done it yet? So I can keep touching base on that. Cool. Alright. Well, I'm gonna get my notes in. I'm gonna start working on where I need to head. Let's do what is today? Tuesday. Would you be happy to meet I was gonna say two weeks, but I took some time off to spend with my husband for our ten year wedding anniversary. So would you be okay for three weeks, October 13? We can or anytime that week, really. I picked Tuesday because it's just it's Tuesday now, but the week of the October 12. And fantastic. Do you wanna go for 04:00 again? Fantastic. I will put it in the calendar. I will send you an invite so it pops into your calendar, and we will meet, and I will go over the advice then. Correct. And where and where we went ahead with some of the things. But for now, what I'll do is I'll send you an email, reattach the two forms, the beneficiary change name, and the gentle reminder to send me your budget. You've already sent me your ID, so happy days on that side. And I'll have a look over it, and, I'll be able to talk to you about the budget on the the thirteenth. That's okay. No stress. Was there anything else? You're so fine. Like I said, half a half a counselor. Yes. Yes. I figured I should probably put something in my marriage sometime. I'm alcoholic, so poor man deserves something. I will. I will talk to you in a couple of weeks. Bye, Zoe. 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or Q Financial. Hi, Zoe. Larissa from. How are you going? Yeah.\n\nGood. Good. The team's put some notes on your file, and I just saw you've had you got a bit going on, though. Alright. Well, let's jump into it.\n\nBefore we do, though, I do need to let you know our call is recorded and just get you confirmed security for me. It's full name, date of birth, and address that I would have on file. Yep. Perfect. Okay.\n\nSo cool. So where's Stillman? See? Look how good I did. I thought I remembered seeing your name.\n\nYeah. Got it. Got it. Got it. Alright.\n\nIt's s t I, l l, m a n? M a n? M a n. Yep. Cool.\n\nAmazing. Oh, I can get that done. Have you like, through what channels through what channels have you changed your address? Yes. Yes.\n\nSorry. Your your name. Cool. Hi. Cool.\n\nAmazing. So if you're able to send me a photo of your ID That's so fine. That's actually fine. Yeah. Absolutely.\n\nYou can there there's a there's a share link and stuff on the on the web we do these things and stuff through the app. You can you can download a copy and share it that way, so that's fine. Yeah. Yeah. If you log in to the yeah.\n\nIf you log in to the app, you can I think it's, like, the top right hand corner or something? There's, like, a a way to share it, and it's, like, a downloadable PDF, and you can email that through. That's perfect. Perfect. So that will take care of that side of things to update your name, and then I believe the team sent you out a new beneficiary form and a change of details form.\n\nSo if those ones are being sent to you, that's fine. Because what will happen is with the the ID that's there, we can change the name back so the account will settle into Stillman, which takes care of that side of things. Beneficiaries wise, I guess, do you know who you're nominating? Yes. Yeah.\n\nNope. That's okay. I will remove any authority for us to contact on, like, you on his behalf, that server. Yeah. Fair.\n\nAbsolutely fair. Because he's correct me if I'm wrong. He's not the father of any of your kids? Yeah. Yeah.\n\nOkay. Cool. Much happier household then. That's good. I'm so glad that that it's easier for you guys as a team.\n\nYes. Yeah. Yeah. Yeah. So I'll at the end of this call, I'll send you an email with anything that's outstanding.\n\nI'll also reattach those documents for you. So the beneficiary nomination form and the change in name form as well. So that way, it's all in one email line. It comes straight back to me. Yep.\n\nSo that way, it's just it's consolidated a little bit. I know you've gotten it from a couple of different sources, but I'll just send them through again. And then that will enable me to change everything. What I'll do with your ID is I'll put it through a ID verification just to make sure it's a valid ID. So it just it's literally a portal that allows us to double check with TMR, transport main roads.\n\nAnd get you there. Correct. Oh, well done. Easy. Perfect.\n\nAnd then the change of name form and the beneficiary form, they need to be printed, signed, scanned back. Because it has to be pen to paper. Now I wanna double check. Has your email address or anything like that changed? Are you intending on changing it?\n\nNo. Yep. Yep. Yep. Have you guys yes.\n\nSorry. No. No. You got it. Have you guys gone through financial separation, or is there any finances that you need to separate at all?\n\nYeah. Yep. Yep. Yep. Yep.\n\nYeah. Yep. Yep. Yep. Okay.\n\nYep. Okay. Yeah. Yep. Yeah.\n\nNo. I have I have brokers that I've dealt with that have definitely helped people out post a debt night, like, part night agreement. So it I mean, it does hit your credit rating, obviously, but, no, it's not it's not impossible to do. Not at all. Yeah.\n\nWhere you're at. No. No. No. I've not at all.\n\nBoys suck. Yeah. Does he have his own kids? Because of lifestyle and choices. Yeah.\n\nBecause you will forever be mom. Yeah. You you will forever be a maternal figure. They've like, they they obviously have their own mom, but you're a maternal figure to them. You're another parent.\n\nThat's okay. Yeah. What happened? Yeah. Yeah.\n\nYeah. It matters. I'm sorry, darling. Yes. Yep.\n\nYep. Yeah. Okay. Yeah. And that's okay.\n\nIt's just completely separate separate accounts, separate everything. It just everything gets gets split, basically. I'm sorry. Literacy? Yep.\n\nYeah. Oh, yep. Go he all he has to do is just create a create a payment plan. Yeah. Oh, I you got there.\n\nAnd now the kids are stable and happy and can breathe, and you're happy, and it changes the entire Outlook. That's so good. That's so good. At least you can you can breathe and the kids. Yeah.\n\nYeah. No. That's so good. Yeah. Just just a little bit.\n\nJust barely just keep you ahead above water. That's that's all we're doing. That's fair. Absolutely. Allowed to be.\n\nPerfect. Yep. Yep. Yes. Yeah.\n\nSure do. Yes. Yes. Premiums. No.\n\nI know. So I I went to them because that so after that decision and we because, like, had the conversation, I've been I've met with a few of my insurers trying to see whether what I can do in terms of insurance, which I'll touch on in a minute. But I talked to one path, and I was like, cool. You've made a decision. Thanks.\n\nWe'll close this off, and I closed it off. From that point, that was my interaction with them, and they went, perfect. We'll we'll close it off in our system. And it wasn't until you raised it that it's, like, it it flagged in our system. It's sort of at the same time.\n\nAnd one of the admin came over to me and was like, hey. A, Zoe just emailed in. B, there's this policy. And I was like, excuse me. So I jumped on the phone to OnePath, and when I spoke to when I spoke to the consultant, they turned around and they were like, oh, yeah.\n\nAnd they were shocked. So they actually got back to me this afternoon just before my call with you. They said that they would get back to me today, and they actually did, which for an insurer is surprising. Haven't had the best of luck with insurers of late. And they literally said that they agree that it should have been canceled.\n\nNo no crap. And that they are now figuring out a remediation for that to deal with the fact that they've they've judged you and that they should've that it should've been closed x months ago and and and and. So I'm waiting to hear from them in terms of how they're going to deal with that, which will both get correspondence once they have it. Yeah. Correct.\n\nThey they made they made a they made a determination. They canceled the policy, and then no one canceled it from there. So they're yes. Yeah. I remember you saying Yes.\n\nZurich. Yeah. Yeah. So they never got they they never got their, like, money back through the quite despicable channels they were trying. Yep.\n\nYeah. Yeah. But I would've gone for that too just for fun. Yeah. Yes.\n\nYeah. The throwback and someone trying to I haven't seen a car loan in your case, but I've look. I like, I Yep. Yeah. Yeah.\n\nYeah. Maybe maybe maybe maybe no men. There are. I'll tell you a secret I found. Go for the geeky guy that sits at home and plays his computer.\n\nHe'll always be there to look after the kids, and they generally cook a pretty mean meal. And worst case scenario, they definitely know how to order a pizza. When you're ready. You and the kids need time. Because how how old are the kids?\n\nYep. Yep. Do they need time? Especially the the younger two. Yeah.\n\nYou got you got them into a good place where they they are able and they are capable of doing everything they need to. No. That's cool. I'm pretty sure I am. I'm like a bartender as we're we're part time therapists.\n\nNo. Absolutely fine. Look. It it gives me it gives me insight into your position so I can understand where you're at anyway, and we can go from there. So few things on the forefront.\n\nInsurance, at this time, have not been able to find a retail insurer who will underwrite your policy. And, yeah, you have an extensive history. You you do. Like, you do, and that's okay. You're not the most complex I've seen, but it's it's an extensive history.\n\nIt's still something I will continue to work on moving forward, but right this second, not something I can I can get across the line? Now I know that insurance is important to you, so I looked at default providers that will enable cover. So there are a couple of options. If you wanna pay for it out of your own pocket, there are providers like Real Insurance. Probably not something because I know that we spoke last time and you want to keep it inside the super fund.\n\nSo the other option is as we look at, say, opening up a super fund, and I looked at a couple of different options in terms of cover, and it depends on whether you wanna go for more cover or more cost effective. So let me I'm pacing. I always pace when I talk, and then all of a sudden, I get asked the question of, and and what what does that mean? I'm like, excellent question. I have it on my screen that I don't have in front of me because I walked away.\n\nSo what it basically means is we could look at sort of setting up one of a couple of different funds. And what that would do is that would enable us to get anywhere between sort of a 150 to $200,000 of life cover, about $80 in total pump disability, and anywhere from sort of, like, 1,000 to 3,000 a month in income protection that will give you some cover while I, a, continue to investigate, and b, maybe an insurer comes around. It's either that or we, for lack of a better phrase, because it is a Tuesday afternoon and I'm lacking in phrases, throw shit at the wall, and puts app like, send applications in and see whether they're going to because currently, I'm pre assessing, and I'm saying, hey. This is my client profile. Obviously, no names or contact details or anything they could identify you with, but I'm like, this is my client profile.\n\nWhat do you think? And going from there. And some of the times they're coming back saying, oh, maybe if we know more about this thing and so, like, there's sometimes a maybe, but sometimes there's, like, a straight up pretty muchly no. You'll be putting your client through a bunch of questions, and we're probably we're borderline saying no. So it just depends on how how much you wanna go through with everything you're going through, whether you just want, I guess, like, a patch fix for now so you have something in case something happens and let life settle a little bit, let yourself breathe a little bit, and then we circle back and try and get more extensive cover later and focus on some you know, getting your cash flow back into a position of comfort, getting life back.\n\nNo. No. Like, realistically speaking, I'm I'm looking at under $1,000 to get sort of two $200,000 worth of life, $80,000 worth of TPD, and $3 worth of IP. Correct. Not really.\n\nBuying a house. Yes. No. None. Not with insurers.\n\nA statement from a job maybe, but that's pretty much about it. With regards to the direct one pass, I how long's a piece of string before I have an answer is kinda where I'm at. Look. I they investigated. They said, yeah.\n\nWe done we we done done it. Let us work on it. So, theoretically, I would hope within a week I'd have an answer. But no. They'll refund it.\n\nYeah. Correct. Yep. Yes. Yeah.\n\nSitting at $66 or something. Yeah. No. They'll they'll refund the money and pop that back in, so that's fine. I am waiting to hear back from my BDM to basically speak to them because that'll be the person I liaise with, and they'll yell at the case manager.\n\nIf I don't hear from my BDM by Monday, then I'll be going straight to the case manager and yelling at them instead. My BDM has a slightly thicker skin than the case manager does, though. So what's your grown man's job? Cool. I think give it a couple of years and yes.\n\nBecause time and it's it's time like, because, like, your conditions do compound. So give them time to be able to, like, stabilize. You've theoretically, with the mental state, just had a flare up because another DV relationship would kind of pushes that side, but I think with time, we should be okay. I'm still trying. I have one more insurer that I wanna hit.\n\nWell, I wanna talk to. I'm not totally optimistic, which is why I kinda save them till last. And then in twelve months' time, I'll start my circle again. Yeah. Yeah.\n\nYeah. Yeah. Yep. We can take like, you're young enough, we could take more risk, increase the allocation to, like, growth assets, which would in turn give you the capacity to be able to, like, build wealth, but it also means that it is a slightly higher risk. So win, lose, market gain, market drop.\n\nYou're not you're not intending on accessing any of this money again, so we're we're good. Yeah. Yeah. Yeah. Well, can I on that note, you said that you're you've hit 6 figures?\n\nDo you know what your income is now? Nice. Hold on. I know what you mean. Perfect.\n\nDecreases your cost of living? Yeah. Well, do you have, like, a budget that like, now that you've slipped from James or that, like, that you've gone through and rebudgeted yourself, would you want me to send you through a bit of a budget tool so you can sit down and kind of work through? Yeah. Absolutely.\n\nSend it through, and I can have a look, tear it apart, and be like, hey. You forgot about these things, which is the one thing I always do. My favorite part is, hey. You forgot that your car needs servicing and all these other things. Your car, not so much.\n\nBut yeah. Yeah. Yeah. Yeah. Cool.\n\nNo. That's absolutely okay. We can I can I can do that? So if you send me you have my email. So if you send me budget, I'll I'll break down budget, and then I'll give formal insurance recommendation, have a look at how we can do Thank you.\n\nYep. Portfolio change and look at that side of things. You've obviously got beneficiary forms to go to the kids. Biggest point I do have quickly, which we'll recap again, is you have two that are underage. You have two that are over, like, overage, but adults.\n\nIf anything happens to you, what happens with the younger two? Okay. Yeah. Yeah. It's to be to be dealt with three others, that'd be that'd be a bit.\n\nBut yeah. Yep. Yep. Absolutely. Alright.\n\nPerfect. Cool. That's good. I can connect you with a lawyer. I sure can.\n\nI can send you an email and cc them in and get them to reach out to you and filter from there. Yeah. Absolutely. That's easy. Yeah.\n\nThey're not too bad, to be honest. I think it's about $1,500 to get will and a power of attorney done. So it's not stupid expensive, but it also depends on how crazy you wanna go with regards to planning, like, if you wanna set up trust and stuff like that. Based on the based on the assets you have, I wouldn't probably be jumping that far into that kettle, but it is an option. Yeah.\n\nNo. You could sit with it. That's that's absolutely okay. It's just it the the biggest risk is is because the two youngest, they have a they have a male counterpart to their creation. If then if that male counterpart is on their birth certificate, technically, the male counterpart becomes their legal guardian unless that male counterpart says no and signs their rights over to Maddie.\n\nAnd only under that circumstance would Maddie actually become their legal guardian. Otherwise, technically, she's probably kidnapping them and or it's still the other parent's obligation to look after them. So that becomes the messy part, but even under a will, that's not gonna take care of that. It would it would literally be if, like, if anything happened to you before the youngest turned 18, they're I'm I'm gonna use the word father because irrespective, like, it's the male part party. Irrespective of how involved they are, that that father would become the legal guardian for that child if you have a 100% custody of that child unless their parental rights have been removed.\n\nYeah. Yeah. And re realistically speaking, your eldest daughter could go to court and the kids are get the kids are old enough that the court like, after 12, the kids are old enough that the courts will take into consideration. Sounds like they were raised by a mother that can speak up, so that's good. Close.\n\nYeah. Yes. Close. Yeah. Yeah.\n\nOkay. And and we can I can keep reminding you as a gentle friend to be like, hey? You said you want to do that thing. You done it yet? So I can keep touching base on that.\n\nCool. Alright. Well, I'm gonna get my notes in. I'm gonna start working on where I need to head. Let's do what is today?\n\nTuesday. Would you be happy to meet I was gonna say two weeks, but I took some time off to spend with my husband for our ten year wedding anniversary. So would you be okay for three weeks, October 13? We can or anytime that week, really. I picked Tuesday because it's just it's Tuesday now, but the week of the October 12.\n\nAnd fantastic. Do you wanna go for 04:00 again? Fantastic. I will put it in the calendar. I will send you an invite so it pops into your calendar, and we will meet, and I will go over the advice then.\n\nCorrect. And where and where we went ahead with some of the things. But for now, what I'll do is I'll send you an email, reattach the two forms, the beneficiary change name, and the gentle reminder to send me your budget. You've already sent me your ID, so happy days on that side. And I'll have a look over it, and, I'll be able to talk to you about the budget on the the thirteenth.\n\nThat's okay. No stress. Was there anything else? You're so fine. Like I said, half a half a counselor.\n\nYes. Yes. I figured I should probably put something in my marriage sometime. I'm alcoholic, so poor man deserves something. I will.\n\nI will talk to you in a couple of weeks. Bye, Zoe. Bye.","paragraphs":[{"sentences":[{"text":"Larissa or Q Financial.","start":9.12,"end":10.5,"sentiment":"neutral","sentiment_score":0.02215231442824006},{"text":"Hi, Zoe.","start":24.025,"end":24.665,"sentiment":"neutral","sentiment_score":0.2387547418475151},{"text":"Larissa from.","start":24.665,"end":25.645,"sentiment":"neutral","sentiment_score":0.22141940891742706},{"text":"How are you going?","start":25.705,"end":26.605,"sentiment":"neutral","sentiment_score":0.26573271304368973},{"text":"Yeah.","start":28.505,"end":28.985,"sentiment":"neutral","sentiment_score":0.24184805154800415}],"sentiment":"neutral","sentiment_score":0.17797972792043135,"num_words":13,"start":9.12,"end":28.985},{"sentences":[{"text":"Good.","start":28.985,"end":29.384998,"sentiment":"positive","sentiment_score":0.47146931290626526},{"text":"Good.","start":29.384998,"end":29.884998,"sentiment":"positive","sentiment_score":0.4360014498233795},{"text":"The team's put some notes on your file, and I just saw you've had you got a bit going on, though.","start":30.92,"end":37.100002,"sentiment":"neutral","sentiment_score":0.0640998375380323},{"text":"Alright.","start":39.88,"end":40.38,"sentiment":"neutral","sentiment_score":0.0361323282122612},{"text":"Well, let's jump into it.","start":40.52,"end":43.015,"sentiment":"neutral","sentiment_score":0.032656597718596456}],"sentiment":"neutral","sentiment_score":0.08458560923564024,"num_words":29,"start":28.985,"end":43.015},{"sentences":[{"text":"Before we do, though, I do need to let you know our call is recorded and just get you confirmed security for me.","start":43.015,"end":48.394997,"sentiment":"neutral","sentiment_score":0.03356643790460151},{"text":"It's full name, date of birth, and address that I would have on file.","start":48.534996,"end":51.355,"sentiment":"neutral","sentiment_score":0.051628365580524714},{"text":"Yep.","start":55.175,"end":55.675,"sentiment":"neutral","sentiment_score":0.02023172192275524},{"text":"Perfect.","start":59.54,"end":60.04,"sentiment":"positive","sentiment_score":0.3435492515563965},{"text":"Okay.","start":60.58,"end":61.08,"sentiment":"neutral","sentiment_score":0.05032891035079956}],"sentiment":"neutral","sentiment_score":0.047723376844078305,"num_words":40,"start":43.015,"end":61.08},{"sentences":[{"text":"So cool.","start":61.38,"end":66.36,"sentiment":"neutral","sentiment_score":0.0059154462069272995},{"text":"So where's Stillman?","start":66.5,"end":67.72,"sentiment":"neutral","sentiment_score":-0.0038429911558826766},{"text":"See?","start":69.62,"end":69.86,"sentiment":"neutral","sentiment_score":0.029666682705283165},{"text":"Look how good I did.","start":69.86,"end":70.66,"sentiment":"neutral","sentiment_score":0.25787189304828645},{"text":"I thought I remembered seeing your name.","start":70.66,"end":72.835,"sentiment":"neutral","sentiment_score":0.026550700621945516}],"sentiment":"neutral","sentiment_score":0.08362127618036336,"num_words":18,"start":61.38,"end":72.835},{"sentences":[{"text":"Yeah.","start":76.335,"end":76.655,"sentiment":"neutral","sentiment_score":0.08766569197177887},{"text":"Got it.","start":76.655,"end":77.055,"sentiment":"neutral","sentiment_score":0.11171874031424522},{"text":"Got it.","start":77.055,"end":77.455,"sentiment":"neutral","sentiment_score":0.11149796098470688},{"text":"Got it.","start":77.455,"end":78.115,"sentiment":"neutral","sentiment_score":0.08015169203281403},{"text":"Alright.","start":78.815,"end":79.215,"sentiment":"neutral","sentiment_score":0.045978110283613205}],"sentiment":"neutral","sentiment_score":0.09254757361486554,"num_words":8,"start":76.335,"end":79.215},{"sentences":[{"text":"It's s t I, l l, m a n?","start":79.215,"end":81.475,"sentiment":"neutral","sentiment_score":0.015591017487976287},{"text":"M a n?","start":81.615,"end":82.435,"sentiment":"neutral","sentiment_score":0.0035373560385778546},{"text":"M a n.","start":82.495,"end":83.135,"sentiment":"neutral","sentiment_score":0.006308001621315877},{"text":"Yep.","start":83.135,"end":83.49,"sentiment":"neutral","sentiment_score":0.02886272594332695},{"text":"Cool.","start":84.689995,"end":85.189995,"sentiment":"neutral","sentiment_score":0.13023892045021057}],"sentiment":"neutral","sentiment_score":0.019350404515588546,"num_words":17,"start":79.215,"end":85.189995},{"sentences":[{"text":"Amazing.","start":86.21,"end":86.71,"sentiment":"positive","sentiment_score":0.4385971128940582},{"text":"Oh, I can get that done.","start":87.17,"end":88.549995,"sentiment":"neutral","sentiment_score":0.163973248253266},{"text":"Have you like, through what channels through what channels have you changed your address?","start":90.29,"end":99.924995,"sentiment":"neutral","sentiment_score":0.0059338643747781005},{"text":"Yes.","start":102.384995,"end":102.865,"sentiment":"neutral","sentiment_score":0.0009487736970186234},{"text":"Yes.","start":102.865,"end":103.104996,"sentiment":"neutral","sentiment_score":-0.00884247850626707}],"sentiment":"neutral","sentiment_score":0.06511378255875214,"num_words":23,"start":86.21,"end":103.104996},{"sentences":[{"text":"Sorry.","start":103.104996,"end":103.604996,"sentiment":"neutral","sentiment_score":-0.06248181685805321},{"text":"Your your name.","start":104.064995,"end":104.965,"sentiment":"neutral","sentiment_score":-0.02908496248225371},{"text":"Cool.","start":113.585,"end":114.03,"sentiment":"neutral","sentiment_score":0.042068321257829666},{"text":"Hi.","start":116.59,"end":116.83,"sentiment":"neutral","sentiment_score":0.22458119690418243},{"text":"Cool.","start":116.83,"end":117.229996,"sentiment":"positive","sentiment_score":0.4458247721195221}],"sentiment":"neutral","sentiment_score":0.08039108371095997,"num_words":7,"start":103.104996,"end":117.229996},{"sentences":[{"text":"Amazing.","start":117.229996,"end":117.729996,"sentiment":"neutral","sentiment_score":0.004661668557673693},{"text":"So if you're able to send me a photo of your ID That's so fine.","start":118.11,"end":131.835,"sentiment":"neutral","sentiment_score":0.06585244399805863},{"text":"That's actually fine.","start":132.055,"end":133.255,"sentiment":"neutral","sentiment_score":0.1768664320309957},{"text":"Yeah.","start":133.255,"end":133.755,"sentiment":"neutral","sentiment_score":0.29594260454177856},{"text":"Absolutely.","start":133.895,"end":134.395,"sentiment":"positive","sentiment_score":0.47004303336143494}],"sentiment":"neutral","sentiment_score":0.10900158392975018,"num_words":21,"start":117.229996,"end":134.395},{"sentences":[{"text":"You can there there's a there's a share link and stuff on the on the web we do these things and stuff through the app.","start":135.175,"end":141.655,"sentiment":"neutral","sentiment_score":0.21859263360500336},{"text":"You can you can download a copy and share it that way, so that's fine.","start":141.655,"end":145.59001,"sentiment":"neutral","sentiment_score":0.23649073243141175},{"text":"Yeah.","start":146.53,"end":147.03,"sentiment":"positive","sentiment_score":0.3646374940872192},{"text":"Yeah.","start":147.09,"end":147.59,"sentiment":"neutral","sentiment_score":0.25183525681495667},{"text":"If you log in to the yeah.","start":147.81,"end":149.41,"sentiment":"neutral","sentiment_score":0.09993014165333339}],"sentiment":"neutral","sentiment_score":0.21077878712391368,"num_words":49,"start":135.175,"end":149.41},{"sentences":[{"text":"If you log in to the app, you can I think it's, like, the top right hand corner or something?","start":149.41,"end":153.49,"sentiment":"neutral","sentiment_score":0.08910373244434595},{"text":"There's, like, a a way to share it, and it's, like, a downloadable PDF, and you can email that through.","start":153.49,"end":158.32501,"sentiment":"neutral","sentiment_score":0.1984025850892067},{"text":"That's perfect.","start":158.32501,"end":159.145,"sentiment":"positive","sentiment_score":0.6559085845947266},{"text":"Perfect.","start":165.60501,"end":166.10501,"sentiment":"positive","sentiment_score":0.42917484045028687},{"text":"So that will take care of that side of things to update your name, and then I believe the team sent you out a new beneficiary form and a change of details form.","start":167.445,"end":181.03,"sentiment":"neutral","sentiment_score":0.16424810209057547}],"sentiment":"neutral","sentiment_score":0.16988560170131295,"num_words":76,"start":149.41,"end":181.03},{"sentences":[{"text":"So if those ones are being sent to you, that's fine.","start":181.03,"end":183.645,"sentiment":"neutral","sentiment_score":0.16539543934843756},{"text":"Because what will happen is with the the ID that's there, we can change the name back so the account will settle into Stillman, which takes care of that side of things.","start":185.16501,"end":196.625,"sentiment":"neutral","sentiment_score":0.06957022484857589},{"text":"Beneficiaries wise, I guess, do you know who you're nominating?","start":198.17,"end":202.98999,"sentiment":"neutral","sentiment_score":0.013202072214335203},{"text":"Yes.","start":209.29,"end":209.595,"sentiment":"neutral","sentiment_score":-0.03633803501725197},{"text":"Yeah.","start":220.075,"end":220.575,"sentiment":"neutral","sentiment_score":-0.08688683062791824}],"sentiment":"neutral","sentiment_score":0.07371623426337134,"num_words":55,"start":181.03,"end":220.575},{"sentences":[{"text":"Nope.","start":227.53,"end":227.85,"sentiment":"neutral","sentiment_score":-0.21029457449913025},{"text":"That's okay.","start":227.85,"end":228.41,"sentiment":"neutral","sentiment_score":-0.16489336639642715},{"text":"I will remove any authority for us to contact on, like, you on his behalf, that server.","start":228.41,"end":235.23,"sentiment":"neutral","sentiment_score":-0.14740594432634466},{"text":"Yeah.","start":244.125,"end":244.625,"sentiment":"neutral","sentiment_score":-0.15119962394237518},{"text":"Fair.","start":249.565,"end":249.965,"sentiment":"neutral","sentiment_score":-0.01432410255074501}],"sentiment":"neutral","sentiment_score":-0.14597754942422564,"num_words":22,"start":227.53,"end":249.965},{"sentences":[{"text":"Absolutely fair.","start":249.965,"end":250.95,"sentiment":"neutral","sentiment_score":0.05944998003542423},{"text":"Because he's correct me if I'm wrong.","start":251.34999,"end":253.51,"sentiment":"neutral","sentiment_score":-0.06375391355582646},{"text":"He's not the father of any of your kids?","start":253.51,"end":255.93,"sentiment":"neutral","sentiment_score":-0.10813245094484752},{"text":"Yeah.","start":256.31,"end":256.81,"sentiment":"neutral","sentiment_score":-0.095876082777977},{"text":"Yeah.","start":257.59,"end":257.99,"sentiment":"neutral","sentiment_score":-0.06265014410018921}],"sentiment":"neutral","sentiment_score":-0.07295478601008654,"num_words":20,"start":249.965,"end":257.99},{"sentences":[{"text":"Okay.","start":257.99,"end":258.31,"sentiment":"neutral","sentiment_score":-0.052984192967414856},{"text":"Cool.","start":258.31,"end":258.81,"sentiment":"neutral","sentiment_score":0.023139677941799164},{"text":"Much happier household then.","start":264.58502,"end":266.285,"sentiment":"positive","sentiment_score":0.41898880153894424},{"text":"That's good.","start":291.0,"end":292.06,"sentiment":"positive","sentiment_score":0.6018683910369873},{"text":"I'm so glad that that it's easier for you guys as a team.","start":292.36,"end":298.255,"sentiment":"positive","sentiment_score":0.5531762460103402}],"sentiment":"positive","sentiment_score":0.47814946053993135,"num_words":21,"start":257.99,"end":298.255},{"sentences":[{"text":"Yes.","start":312.99,"end":313.49,"sentiment":"neutral","sentiment_score":0.03835638239979744},{"text":"Yeah.","start":314.03,"end":314.35,"sentiment":"neutral","sentiment_score":0.059536874294281006},{"text":"Yeah.","start":314.35,"end":314.50998,"sentiment":"neutral","sentiment_score":0.10202611982822418},{"text":"Yeah.","start":314.50998,"end":314.66998,"sentiment":"neutral","sentiment_score":0.1726970374584198},{"text":"So I'll at the end of this call, I'll send you an email with anything that's outstanding.","start":314.66998,"end":318.28998,"sentiment":"neutral","sentiment_score":0.176018485251595}],"sentiment":"neutral","sentiment_score":0.16023479348846845,"num_words":21,"start":312.99,"end":318.28998},{"sentences":[{"text":"I'll also reattach those documents for you.","start":318.35,"end":321.845,"sentiment":"neutral","sentiment_score":0.19592035242489406},{"text":"So the beneficiary nomination form and the change in name form as well.","start":321.845,"end":324.165,"sentiment":"neutral","sentiment_score":0.13996101915836334},{"text":"So that way, it's all in one email line.","start":324.165,"end":325.685,"sentiment":"neutral","sentiment_score":0.18177936474482217},{"text":"It comes straight back to me.","start":325.685,"end":327.065,"sentiment":"neutral","sentiment_score":0.11715208739042282},{"text":"Yep.","start":327.445,"end":327.945,"sentiment":"neutral","sentiment_score":0.1082979291677475}],"sentiment":"neutral","sentiment_score":0.15661556811796296,"num_words":36,"start":318.35,"end":327.945},{"sentences":[{"text":"So that way, it's just it's consolidated a little bit.","start":328.405,"end":330.16498,"sentiment":"neutral","sentiment_score":0.12421495988965034},{"text":"I know you've gotten it from a couple of different sources, but I'll just send them through again.","start":330.16498,"end":334.505,"sentiment":"neutral","sentiment_score":0.05252427752647135},{"text":"And then that will enable me to change everything.","start":335.65,"end":341.33,"sentiment":"neutral","sentiment_score":0.11611553447114097},{"text":"What I'll do with your ID is I'll put it through a ID verification just to make sure it's a valid ID.","start":341.33,"end":346.79,"sentiment":"neutral","sentiment_score":0.08923518725416878},{"text":"So it just it's literally a portal that allows us to double check with TMR, transport main roads.","start":347.325,"end":352.945,"sentiment":"neutral","sentiment_score":0.11567722892181741}],"sentiment":"neutral","sentiment_score":0.09451935902334653,"num_words":77,"start":328.405,"end":352.945},{"sentences":[{"text":"And get you there.","start":353.48502,"end":354.465,"sentiment":"neutral","sentiment_score":0.03839369164779782},{"text":"Correct.","start":359.165,"end":359.665,"sentiment":"neutral","sentiment_score":0.1158670410513878},{"text":"Oh, well done.","start":361.91998,"end":362.8,"sentiment":"positive","sentiment_score":0.6654452284177145},{"text":"Easy.","start":362.8,"end":363.3,"sentiment":"positive","sentiment_score":0.5756595134735107},{"text":"Perfect.","start":375.12,"end":375.62,"sentiment":"positive","sentiment_score":0.6774930357933044}],"sentiment":"positive","sentiment_score":0.35189300421625375,"num_words":10,"start":353.48502,"end":375.62},{"sentences":[{"text":"And then the change of name form and the beneficiary form, they need to be printed, signed, scanned back.","start":377.595,"end":386.655,"sentiment":"neutral","sentiment_score":0.1645185947418213},{"text":"Because it has to be pen to paper.","start":388.235,"end":389.82,"sentiment":"neutral","sentiment_score":0.02548789791762829},{"text":"Now I wanna double check.","start":391.42,"end":393.36002,"sentiment":"neutral","sentiment_score":0.027370765805244446},{"text":"Has your email address or anything like that changed?","start":394.14,"end":397.12,"sentiment":"neutral","sentiment_score":-0.0034090920041004815},{"text":"Are you intending on changing it?","start":397.42,"end":399.42,"sentiment":"neutral","sentiment_score":-0.04904259120424589}],"sentiment":"neutral","sentiment_score":0.0668441050467973,"num_words":47,"start":377.595,"end":399.42},{"sentences":[{"text":"No.","start":399.42,"end":399.92,"sentiment":"neutral","sentiment_score":-0.20583906769752505},{"text":"Yep.","start":406.575,"end":407.075,"sentiment":"neutral","sentiment_score":-0.09115063399076462},{"text":"Yep.","start":407.775,"end":408.275,"sentiment":"neutral","sentiment_score":-0.00517084077000618},{"text":"Yep.","start":412.17502,"end":412.67502,"sentiment":"neutral","sentiment_score":-0.011731544509530067},{"text":"Have you guys 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Yep.","start":1562.05,"end":1577.8049,"sentiment":"neutral","sentiment_score":-0.05119386734440923},{"text":"Yeah.","start":1627.265,"end":1627.765,"sentiment":"neutral","sentiment_score":-0.1815970540046692},{"text":"Yeah.","start":1667.86,"end":1668.36,"sentiment":"neutral","sentiment_score":-0.0986512303352356}],"sentiment":"neutral","sentiment_score":-0.10284081749618053,"num_words":25,"start":1554.05,"end":1668.36},{"sentences":[{"text":"Yeah.","start":1690.9,"end":1691.4,"sentiment":"neutral","sentiment_score":-0.2791411876678467},{"text":"Maybe maybe maybe maybe no men.","start":1698.4349,"end":1701.095,"sentiment":"neutral","sentiment_score":-0.1009768508374691},{"text":"There are.","start":1708.6749,"end":1709.495,"sentiment":"neutral","sentiment_score":-0.13525398075580597},{"text":"I'll tell you a secret I found.","start":1718.66,"end":1720.58,"sentiment":"neutral","sentiment_score":-0.029723685766969408},{"text":"Go for the geeky guy that sits at home and plays his 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kids?","start":1757.875,"end":1759.6549,"sentiment":"neutral","sentiment_score":0.00534473080188036}],"sentiment":"neutral","sentiment_score":-0.02233164453258117,"num_words":45,"start":1723.62,"end":1759.6549},{"sentences":[{"text":"Yep.","start":1763.075,"end":1763.575,"sentiment":"neutral","sentiment_score":0.03473125398159027},{"text":"Yep.","start":1766.72,"end":1767.22,"sentiment":"neutral","sentiment_score":0.02505201101303101},{"text":"Do they need time?","start":1776.3999,"end":1777.46,"sentiment":"neutral","sentiment_score":-0.037703779991716146},{"text":"Especially the the younger two.","start":1777.7749,"end":1779.715,"sentiment":"neutral","sentiment_score":-0.003544823452830315},{"text":"Yeah.","start":1812.6849,"end":1813.1849,"sentiment":"positive","sentiment_score":0.33427292108535767}],"sentiment":"neutral","sentiment_score":0.0187930790707469,"num_words":12,"start":1763.075,"end":1813.1849},{"sentences":[{"text":"You got you got them into a good place where they they are able and they are capable of doing everything they need to.","start":1814.17,"end":1821.0701,"sentiment":"positive","sentiment_score":0.40428526513278484},{"text":"No.","start":1827.13,"end":1827.63,"sentiment":"neutral","sentiment_score":-0.2130592167377472},{"text":"That's cool.","start":1829.1649,"end":1829.965,"sentiment":"neutral","sentiment_score":0.19898928701877594},{"text":"I'm pretty sure I am.","start":1829.965,"end":1830.9249,"sentiment":"neutral","sentiment_score":0.09396974444389343},{"text":"I'm like a bartender as we're we're part time therapists.","start":1830.9249,"end":1835.105,"sentiment":"neutral","sentiment_score":0.022462484985589982}],"sentiment":"neutral","sentiment_score":0.25195807839433354,"num_words":42,"start":1814.17,"end":1835.105},{"sentences":[{"text":"No.","start":1835.485,"end":1835.8049,"sentiment":"neutral","sentiment_score":0.02029166743159294},{"text":"Absolutely fine.","start":1835.8049,"end":1836.445,"sentiment":"neutral","sentiment_score":0.15852011740207672},{"text":"Look.","start":1836.445,"end":1836.605,"sentiment":"neutral","sentiment_score":0.12765967845916748},{"text":"It it gives me it gives me insight into your position so I can understand where you're at anyway, and we can go from there.","start":1836.605,"end":1845.5,"sentiment":"neutral","sentiment_score":0.12010358832776546},{"text":"So few things on the forefront.","start":1845.64,"end":1849.1001,"sentiment":"neutral","sentiment_score":0.05145786019663016}],"sentiment":"neutral","sentiment_score":0.10789509857339519,"num_words":35,"start":1835.485,"end":1849.1001},{"sentences":[{"text":"Insurance, at this time, have not been able to find a retail insurer who will underwrite your policy.","start":1849.8,"end":1857.5801,"sentiment":"neutral","sentiment_score":-0.07722806661493248},{"text":"And, yeah, you have an extensive history.","start":1858.845,"end":1860.925,"sentiment":"neutral","sentiment_score":-0.00785203863467489},{"text":"You you do.","start":1860.925,"end":1861.905,"sentiment":"neutral","sentiment_score":0.004994947463274002},{"text":"Like, you do, and that's okay.","start":1862.045,"end":1863.985,"sentiment":"neutral","sentiment_score":0.026570030798514683},{"text":"You're not the most complex I've seen, but it's it's an extensive history.","start":1864.365,"end":1867.745,"sentiment":"neutral","sentiment_score":-0.036787618668033525}],"sentiment":"neutral","sentiment_score":-0.0372107124471284,"num_words":47,"start":1849.8,"end":1867.745},{"sentences":[{"text":"It's still something I will continue to work on moving forward, but right this second, not something I can I can get across the line?","start":1869.005,"end":1876.51,"sentiment":"neutral","sentiment_score":-0.043211752027273176},{"text":"Now I know that insurance is important to you, so I looked at default providers that will enable cover.","start":1876.57,"end":1884.51,"sentiment":"neutral","sentiment_score":0.018902604517183806},{"text":"So there are a couple of options.","start":1884.915,"end":1886.295,"sentiment":"neutral","sentiment_score":0.026689160083021437},{"text":"If you wanna pay for it out of your own pocket, there are providers like Real Insurance.","start":1886.995,"end":1890.8551,"sentiment":"neutral","sentiment_score":0.005081572624690393},{"text":"Probably not something because I know that we spoke last time and you want to keep it inside the super fund.","start":1892.3551,"end":1897.0951,"sentiment":"neutral","sentiment_score":-0.10496610793329421}],"sentiment":"neutral","sentiment_score":-0.02980024411520931,"num_words":89,"start":1869.005,"end":1897.0951},{"sentences":[{"text":"So the other option is as we look at, say, opening up a super fund, and I looked at a couple of different options in terms of cover, and it depends on whether you wanna go for more cover or more cost effective.","start":1898.08,"end":1910.5651,"sentiment":"neutral","sentiment_score":0.0008512633137924727},{"text":"So let me I'm pacing.","start":1915.425,"end":1919.2051,"sentiment":"neutral","sentiment_score":0.02278572954237461},{"text":"I always pace when I talk, and then all of a sudden, I get asked the question of, and and what what does that mean?","start":1919.425,"end":1924.7799,"sentiment":"neutral","sentiment_score":0.020040642730891706},{"text":"I'm like, excellent question.","start":1924.7799,"end":1925.82,"sentiment":"positive","sentiment_score":0.49885144084692},{"text":"I have it on my screen that I don't have in front of me because I walked away.","start":1925.82,"end":1929.6,"sentiment":"neutral","sentiment_score":0.02981549294458495}],"sentiment":"neutral","sentiment_score":0.03351193341965738,"num_words":95,"start":1898.08,"end":1929.6},{"sentences":[{"text":"So what it basically means is we could look at sort of setting up one of a couple of different funds.","start":1932.2999,"end":1940.155,"sentiment":"neutral","sentiment_score":0.14174563118389674},{"text":"And what that would do is that would enable us to get anywhere between sort of a 150 to $200,000 of life cover, about $80 in total pump disability, and anywhere from sort of, like, 1,000 to 3,000 a month in income protection that will give you some cover while I, a, continue to investigate, and b, maybe an insurer comes around.","start":1940.855,"end":1966.13,"sentiment":"neutral","sentiment_score":0.09071874297073772},{"text":"It's either that or we, for lack of a better phrase, because it is a Tuesday afternoon and I'm lacking in phrases, throw shit at the wall, and puts app like, send applications in and see whether they're going to because currently, I'm pre assessing, and I'm saying, hey.","start":1968.035,"end":1986.61,"sentiment":"neutral","sentiment_score":-0.11060930721043628},{"text":"This is my client profile.","start":1986.61,"end":1988.0701,"sentiment":"neutral","sentiment_score":-0.017534314095973967},{"text":"Obviously, no names or contact details or anything they could identify you with, but I'm like, this is my client profile.","start":1988.61,"end":1994.31,"sentiment":"neutral","sentiment_score":-0.039695979561656713}],"sentiment":"neutral","sentiment_score":0.014304285597857794,"num_words":158,"start":1932.2999,"end":1994.31},{"sentences":[{"text":"What do you think?","start":1994.61,"end":1995.5901,"sentiment":"neutral","sentiment_score":0.013949481770396233},{"text":"And going from there.","start":1996.9049,"end":1998.9249,"sentiment":"neutral","sentiment_score":-0.016627390403300524},{"text":"And some of the times they're coming back saying, oh, maybe if we know more about this thing and so, like, there's sometimes a maybe, but sometimes there's, like, a straight up pretty muchly no.","start":1999.065,"end":2011.8201,"sentiment":"neutral","sentiment_score":-0.09886966475418636},{"text":"You'll be putting your client through a bunch of questions, and we're probably we're borderline saying no.","start":2011.8201,"end":2017.2001,"sentiment":"neutral","sentiment_score":-0.18124809466740666},{"text":"So it just depends on how how much you wanna go through with everything you're going through, whether you just want, I guess, like, a patch fix for now so you have something in case something happens and let life settle a little bit, let yourself breathe a little bit, and then we circle back and try and get more extensive cover later and focus on some you know, getting your cash flow back into a position of comfort, getting life back.","start":2018.9401,"end":2055.6724,"sentiment":"neutral","sentiment_score":0.13291420097031245}],"sentiment":"neutral","sentiment_score":0.030609837811912448,"num_words":142,"start":1994.61,"end":2055.6724},{"sentences":[{"text":"No.","start":2072.78,"end":2073.18,"sentiment":"neutral","sentiment_score":-0.23177431523799896},{"text":"No.","start":2073.18,"end":2073.5798,"sentiment":"neutral","sentiment_score":-0.24251070618629456},{"text":"Like, realistically speaking, I'm I'm looking at under $1,000 to get sort of two $200,000 worth of life, $80,000 worth of TPD, and $3 worth of IP.","start":2073.5798,"end":2084.825,"sentiment":"neutral","sentiment_score":-0.15096469775394158},{"text":"Correct.","start":2097.25,"end":2097.75,"sentiment":"neutral","sentiment_score":0.11068949848413467},{"text":"Not really.","start":2118.8,"end":2119.62,"sentiment":"neutral","sentiment_score":-0.1758015900850296}],"sentiment":"neutral","sentiment_score":-0.14972642320208251,"num_words":32,"start":2072.78,"end":2119.62},{"sentences":[{"text":"Buying a house.","start":2123.92,"end":2124.8801,"sentiment":"neutral","sentiment_score":-0.13162907461325327},{"text":"Yes.","start":2124.8801,"end":2125.3801,"sentiment":"neutral","sentiment_score":0.026535026729106903},{"text":"No.","start":2126.48,"end":2126.98,"sentiment":"neutral","sentiment_score":-0.1286696046590805},{"text":"None.","start":2127.12,"end":2127.6,"sentiment":"neutral","sentiment_score":-0.15313175320625305},{"text":"Not with insurers.","start":2127.6,"end":2128.58,"sentiment":"neutral","sentiment_score":-0.18231342732906342}],"sentiment":"neutral","sentiment_score":-0.13301042632924187,"num_words":9,"start":2123.92,"end":2128.58},{"sentences":[{"text":"A statement from a job maybe, but that's pretty much about it.","start":2131.2651,"end":2134.405,"sentiment":"neutral","sentiment_score":-0.12226913124322891},{"text":"With regards to the direct one pass, I how long's a piece of string before I have an answer is kinda where I'm at.","start":2136.145,"end":2142.78,"sentiment":"neutral","sentiment_score":-0.038203859934583306},{"text":"Look.","start":2143.58,"end":2143.9001,"sentiment":"neutral","sentiment_score":-0.004440027289092541},{"text":"I they investigated.","start":2143.9001,"end":2145.28,"sentiment":"neutral","sentiment_score":-0.036796211575468384},{"text":"They said, yeah.","start":2145.34,"end":2145.98,"sentiment":"neutral","sentiment_score":-0.046733391781648}],"sentiment":"neutral","sentiment_score":-0.06137560583044623,"num_words":43,"start":2131.2651,"end":2145.98},{"sentences":[{"text":"We done we we done done it.","start":2145.98,"end":2148.48,"sentiment":"neutral","sentiment_score":-0.02683218408908163},{"text":"Let us work on it.","start":2149.82,"end":2151.18,"sentiment":"neutral","sentiment_score":-0.0034230515360832215},{"text":"So, theoretically, I would hope within a week I'd have an answer.","start":2151.18,"end":2154.32,"sentiment":"neutral","sentiment_score":-0.04057465330697596},{"text":"But no.","start":2155.34,"end":2161.595,"sentiment":"neutral","sentiment_score":-0.13169296830892563},{"text":"They'll refund it.","start":2161.595,"end":2162.7349,"sentiment":"neutral","sentiment_score":-0.11337599158287048}],"sentiment":"neutral","sentiment_score":-0.04466725163290213,"num_words":29,"start":2145.98,"end":2162.7349},{"sentences":[{"text":"Yeah.","start":2163.9949,"end":2164.4949,"sentiment":"neutral","sentiment_score":0.2488563060760498},{"text":"Correct.","start":2171.115,"end":2171.615,"sentiment":"neutral","sentiment_score":0.17342211306095123},{"text":"Yep.","start":2181.81,"end":2182.31,"sentiment":"neutral","sentiment_score":0.015830475836992264},{"text":"Yes.","start":2182.3699,"end":2182.77,"sentiment":"neutral","sentiment_score":0.0959317535161972},{"text":"Yeah.","start":2182.77,"end":2183.09,"sentiment":"neutral","sentiment_score":0.08818774670362473}],"sentiment":"neutral","sentiment_score":0.12444567903876305,"num_words":5,"start":2163.9949,"end":2183.09},{"sentences":[{"text":"Sitting at $66 or something.","start":2183.09,"end":2185.27,"sentiment":"neutral","sentiment_score":0.05409463718533516},{"text":"Yeah.","start":2186.7852,"end":2187.105,"sentiment":"neutral","sentiment_score":0.08562541007995605},{"text":"No.","start":2187.105,"end":2187.345,"sentiment":"neutral","sentiment_score":-0.0996103137731552},{"text":"They'll they'll refund the money and pop that back in, so that's fine.","start":2187.345,"end":2190.565,"sentiment":"neutral","sentiment_score":0.12012136677423349},{"text":"I am waiting to hear back from my BDM to basically speak to them because that'll be the person I liaise with, and they'll yell at the case manager.","start":2192.385,"end":2202.47,"sentiment":"neutral","sentiment_score":-0.025469302681499516}],"sentiment":"neutral","sentiment_score":0.022029719847653593,"num_words":49,"start":2183.09,"end":2202.47},{"sentences":[{"text":"If I don't hear from my BDM by Monday, then I'll be going straight to the case manager and yelling at them instead.","start":2202.47,"end":2206.8901,"sentiment":"neutral","sentiment_score":-0.05432589206358661},{"text":"My BDM has a slightly thicker skin than the case manager does, though.","start":2207.9102,"end":2211.35,"sentiment":"neutral","sentiment_score":0.015383607492997097},{"text":"So what's your grown man's job?","start":2211.35,"end":2215.185,"sentiment":"neutral","sentiment_score":0.20444248616695404},{"text":"Cool.","start":2221.405,"end":2221.905,"sentiment":"positive","sentiment_score":0.4624027609825134},{"text":"I think give it a couple of years and yes.","start":2228.86,"end":2231.36,"sentiment":"neutral","sentiment_score":-0.02180482931435108}],"sentiment":"neutral","sentiment_score":0.00795284461862636,"num_words":53,"start":2202.47,"end":2231.36},{"sentences":[{"text":"Because time and it's it's time like, because, like, your conditions do compound.","start":2232.1401,"end":2240.1602,"sentiment":"neutral","sentiment_score":-0.13502225509056678},{"text":"So give them time to be able to, like, stabilize.","start":2241.285,"end":2244.505,"sentiment":"neutral","sentiment_score":-0.006876986473798752},{"text":"You've theoretically, with the mental state, just had a flare up because another DV relationship would kind of pushes that side, but I think with time, we should be okay.","start":2245.045,"end":2254.585,"sentiment":"neutral","sentiment_score":-0.014968916897972424},{"text":"I'm still trying.","start":2256.6401,"end":2257.7,"sentiment":"neutral","sentiment_score":0.07117372502883275},{"text":"I have one more insurer that I wanna hit.","start":2257.9202,"end":2260.82,"sentiment":"neutral","sentiment_score":0.03597682880030738}],"sentiment":"neutral","sentiment_score":-0.02670483159331175,"num_words":65,"start":2232.1401,"end":2260.82},{"sentences":[{"text":"Well, I wanna talk to.","start":2261.2,"end":2263.3,"sentiment":"neutral","sentiment_score":-0.029287806153297423},{"text":"I'm not totally optimistic, which is why I kinda save them till last.","start":2264.96,"end":2268.735,"sentiment":"neutral","sentiment_score":-0.16492641258698243},{"text":"And then in twelve months' time, I'll start my circle again.","start":2270.2551,"end":2273.955,"sentiment":"neutral","sentiment_score":0.00976882688701153},{"text":"Yeah.","start":2293.29,"end":2293.79,"sentiment":"neutral","sentiment_score":-0.034878503531217575},{"text":"Yeah.","start":2315.4,"end":2315.9,"sentiment":"positive","sentiment_score":0.4771330952644348}],"sentiment":"neutral","sentiment_score":-0.056153893771190795,"num_words":31,"start":2261.2,"end":2315.9},{"sentences":[{"text":"Yeah.","start":2320.1948,"end":2320.6948,"sentiment":"neutral","sentiment_score":-0.1922837644815445},{"text":"Yeah.","start":2332.835,"end":2333.335,"sentiment":"neutral","sentiment_score":-0.26316776871681213},{"text":"Yep.","start":2384.415,"end":2384.915,"sentiment":"neutral","sentiment_score":0.013071718625724316},{"text":"We can take like, you're young enough, we could take more risk, increase the allocation to, like, growth assets, which would in turn give you the capacity to be able to, like, build wealth, but it also means that it is a slightly higher risk.","start":2385.135,"end":2406.615,"sentiment":"neutral","sentiment_score":-0.012952572852373122},{"text":"So win, lose, market gain, market drop.","start":2406.615,"end":2410.955,"sentiment":"neutral","sentiment_score":-0.13489451152937754}],"sentiment":"neutral","sentiment_score":-0.03580922133881937,"num_words":55,"start":2320.1948,"end":2410.955},{"sentences":[{"text":"You're not you're not intending on accessing any of this money again, so we're we're good.","start":2411.655,"end":2417.595,"sentiment":"neutral","sentiment_score":-0.0409301919862628},{"text":"Yeah.","start":2420.0,"end":2420.5,"sentiment":"neutral","sentiment_score":-0.06475092470645905},{"text":"Yeah.","start":2426.72,"end":2427.22,"sentiment":"neutral","sentiment_score":0.05782891809940338},{"text":"Yeah.","start":2498.4402,"end":2498.76,"sentiment":"neutral","sentiment_score":0.07554008066654205},{"text":"Well, can I on that note, you said that you're you've hit 6 figures?","start":2498.76,"end":2501.8801,"sentiment":"neutral","sentiment_score":0.02230590382324798}],"sentiment":"neutral","sentiment_score":-0.008302495278643839,"num_words":33,"start":2411.655,"end":2501.8801},{"sentences":[{"text":"Do you know what your income is now?","start":2501.8801,"end":2503.34,"sentiment":"neutral","sentiment_score":0.0006938398582860827},{"text":"Nice.","start":2506.9202,"end":2507.32,"sentiment":"neutral","sentiment_score":0.12577930092811584},{"text":"Hold on.","start":2507.32,"end":2508.06,"sentiment":"neutral","sentiment_score":0.08708082884550095},{"text":"I know what you mean.","start":2529.1099,"end":2530.0698,"sentiment":"neutral","sentiment_score":0.049742956459522245},{"text":"Perfect.","start":2530.0698,"end":2530.5698,"sentiment":"positive","sentiment_score":0.3992094397544861}],"sentiment":"neutral","sentiment_score":0.05608328820808845,"num_words":17,"start":2501.8801,"end":2530.5698},{"sentences":[{"text":"Decreases your cost of living?","start":2543.325,"end":2545.025,"sentiment":"neutral","sentiment_score":0.05445442423224449},{"text":"Yeah.","start":2545.325,"end":2545.825,"sentiment":"neutral","sentiment_score":0.05821901559829712},{"text":"Well, do you have, like, a budget that like, now that you've slipped from James or that, like, that you've gone through and rebudgeted yourself, would you want me to send you through a bit of a budget tool so you can sit down and kind of work through?","start":2547.485,"end":2558.42,"sentiment":"neutral","sentiment_score":0.06423682784091453},{"text":"Yeah.","start":2564.3198,"end":2564.8198,"sentiment":"neutral","sentiment_score":0.17173916101455688},{"text":"Absolutely.","start":2564.88,"end":2565.38,"sentiment":"neutral","sentiment_score":0.2593928575515747}],"sentiment":"neutral","sentiment_score":0.06858294244790286,"num_words":57,"start":2543.325,"end":2565.38},{"sentences":[{"text":"Send it through, and I can have a look, tear it apart, and be like, hey.","start":2565.44,"end":2568.16,"sentiment":"neutral","sentiment_score":0.16138631431385875},{"text":"You forgot about these things, which is the one thing I always do.","start":2568.16,"end":2571.5352,"sentiment":"neutral","sentiment_score":0.1460142983840062},{"text":"My favorite part is, hey.","start":2571.5352,"end":2572.575,"sentiment":"positive","sentiment_score":0.38377559185028076},{"text":"You forgot that your car needs servicing and all these other things.","start":2572.575,"end":2575.2952,"sentiment":"neutral","sentiment_score":0.20385695373018584},{"text":"Your car, not so much.","start":2575.2952,"end":2576.495,"sentiment":"neutral","sentiment_score":0.030064299702644348}],"sentiment":"neutral","sentiment_score":0.1763892119713858,"num_words":51,"start":2565.44,"end":2576.495},{"sentences":[{"text":"But yeah.","start":2576.495,"end":2577.3152,"sentiment":"neutral","sentiment_score":0.051895974203944206},{"text":"Yeah.","start":2579.455,"end":2579.955,"sentiment":"neutral","sentiment_score":0.07654671370983124},{"text":"Yeah.","start":2584.65,"end":2585.15,"sentiment":"neutral","sentiment_score":0.11031462997198103},{"text":"Yeah.","start":2618.4202,"end":2618.74,"sentiment":"neutral","sentiment_score":0.21260449290275577},{"text":"Cool.","start":2618.74,"end":2619.06,"sentiment":"neutral","sentiment_score":0.23749959468841553}],"sentiment":"neutral","sentiment_score":0.12345956328014533,"num_words":6,"start":2576.495,"end":2619.06},{"sentences":[{"text":"No.","start":2619.06,"end":2619.22,"sentiment":"neutral","sentiment_score":0.1065523326396942},{"text":"That's absolutely okay.","start":2619.22,"end":2620.1,"sentiment":"neutral","sentiment_score":0.20862774550914764},{"text":"We can I can I can do that?","start":2620.1,"end":2622.215,"sentiment":"neutral","sentiment_score":0.23657742701470852},{"text":"So if you send me you have my email.","start":2622.215,"end":2624.055,"sentiment":"neutral","sentiment_score":0.08451574875248803},{"text":"So if you send me budget, I'll I'll break down budget, and then I'll give formal insurance recommendation, have a look at how we can do Thank you.","start":2624.055,"end":2639.6401,"sentiment":"neutral","sentiment_score":0.10998174814241272}],"sentiment":"neutral","sentiment_score":0.13194256473560723,"num_words":49,"start":2619.06,"end":2639.6401},{"sentences":[{"text":"Yep.","start":2639.6401,"end":2640.1401,"sentiment":"neutral","sentiment_score":0.103265181183815},{"text":"Portfolio change and look at that side of things.","start":2642.28,"end":2645.4001,"sentiment":"neutral","sentiment_score":0.09593667503860262},{"text":"You've obviously got beneficiary forms to go to the kids.","start":2645.4001,"end":2648.46,"sentiment":"neutral","sentiment_score":0.11448555737733841},{"text":"Biggest point I do have quickly, which we'll recap again, is you have two that are underage.","start":2649.795,"end":2656.755,"sentiment":"neutral","sentiment_score":0.021384416476768607},{"text":"You have two that are over, like, overage, but adults.","start":2656.755,"end":2659.9749,"sentiment":"neutral","sentiment_score":-0.04279813412576914}],"sentiment":"neutral","sentiment_score":0.043555416364936116,"num_words":47,"start":2639.6401,"end":2659.9749},{"sentences":[{"text":"If anything happens to you, what happens with the younger two?","start":2660.915,"end":2663.49,"sentiment":"neutral","sentiment_score":-0.023326435888355427},{"text":"Okay.","start":2670.61,"end":2671.11,"sentiment":"neutral","sentiment_score":-0.009692545980215073},{"text":"Yeah.","start":2687.9048,"end":2688.4048,"sentiment":"neutral","sentiment_score":0.02444351837038994},{"text":"Yeah.","start":2690.065,"end":2690.565,"sentiment":"neutral","sentiment_score":0.007396064698696136},{"text":"It's to be to be dealt with three others, that'd be that'd be a bit.","start":2690.785,"end":2694.25,"sentiment":"neutral","sentiment_score":-0.03207977041602135}],"sentiment":"neutral","sentiment_score":-0.024677252204253756,"num_words":29,"start":2660.915,"end":2694.25},{"sentences":[{"text":"But yeah.","start":2694.55,"end":2695.7,"sentiment":"neutral","sentiment_score":0.004518064670264721},{"text":"Yep.","start":2715.2449,"end":2715.7449,"sentiment":"neutral","sentiment_score":-0.1731468141078949},{"text":"Yep.","start":2717.4202,"end":2717.9202,"sentiment":"neutral","sentiment_score":-0.0009681942756287754},{"text":"Absolutely.","start":2718.06,"end":2718.56,"sentiment":"neutral","sentiment_score":0.2343457043170929},{"text":"Alright.","start":2734.625,"end":2735.105,"sentiment":"positive","sentiment_score":0.3471863269805908}],"sentiment":"neutral","sentiment_score":0.06940885870911491,"num_words":6,"start":2694.55,"end":2735.105},{"sentences":[{"text":"Perfect.","start":2735.105,"end":2735.605,"sentiment":"positive","sentiment_score":0.6171410083770752},{"text":"Cool.","start":2736.7048,"end":2737.2048,"sentiment":"positive","sentiment_score":0.5196689963340759},{"text":"That's good.","start":2738.305,"end":2739.125,"sentiment":"neutral","sentiment_score":0.27034157514572144},{"text":"I can connect you with a lawyer.","start":2739.7449,"end":2741.265,"sentiment":"neutral","sentiment_score":0.1396440448505538},{"text":"I sure can.","start":2741.265,"end":2741.9849,"sentiment":"neutral","sentiment_score":0.15665104488531748}],"sentiment":"neutral","sentiment_score":0.22321104311517306,"num_words":14,"start":2735.105,"end":2741.9849},{"sentences":[{"text":"I can send you an email and cc them in and get them to reach out to you and filter from there.","start":2741.9849,"end":2748.58,"sentiment":"neutral","sentiment_score":0.1345661956478249},{"text":"Yeah.","start":2748.58,"end":2748.82,"sentiment":"neutral","sentiment_score":0.1473866105079651},{"text":"Absolutely.","start":2748.82,"end":2749.3,"sentiment":"positive","sentiment_score":0.5402967929840088},{"text":"That's easy.","start":2749.3,"end":2750.04,"sentiment":"positive","sentiment_score":0.6162369251251221},{"text":"Yeah.","start":2756.82,"end":2757.1401,"sentiment":"neutral","sentiment_score":0.03055802918970585}],"sentiment":"neutral","sentiment_score":0.18189524396978043,"num_words":27,"start":2741.9849,"end":2757.1401},{"sentences":[{"text":"They're not too bad, to be honest.","start":2757.1401,"end":2758.9001,"sentiment":"neutral","sentiment_score":0.037418547219463756},{"text":"I think it's about $1,500 to get will and a power of attorney done.","start":2758.9001,"end":2762.595,"sentiment":"neutral","sentiment_score":0.04343531906072583},{"text":"So it's not stupid expensive, but it also depends on how crazy you wanna go with regards to planning, like, if you wanna set up trust and stuff like that.","start":2764.4148,"end":2772.9,"sentiment":"neutral","sentiment_score":0.09851808622479438},{"text":"Based on the based on the assets you have, I wouldn't probably be jumping that far into that kettle, but it is an option.","start":2773.2998,"end":2779.16,"sentiment":"neutral","sentiment_score":-0.005566702107898891},{"text":"Yeah.","start":2782.42,"end":2782.92,"sentiment":"neutral","sentiment_score":0.02195749245584011}],"sentiment":"neutral","sentiment_score":0.048867414815743505,"num_words":76,"start":2757.1401,"end":2782.92},{"sentences":[{"text":"No.","start":2783.7,"end":2783.94,"sentiment":"neutral","sentiment_score":-0.04258524253964424},{"text":"You could sit with it.","start":2783.94,"end":2784.8198,"sentiment":"neutral","sentiment_score":-0.03450752645730972},{"text":"That's that's absolutely okay.","start":2784.8198,"end":2786.3599,"sentiment":"neutral","sentiment_score":0.2557111382484436},{"text":"It's just it the the biggest risk is is because the two youngest, they have a they have a male counterpart to their creation.","start":2787.2751,"end":2797.5352,"sentiment":"neutral","sentiment_score":-0.17106768830368915},{"text":"If then if that male counterpart is on their birth certificate, technically, the male counterpart becomes their legal guardian unless that male counterpart says no and signs their rights over to Maddie.","start":2798.3152,"end":2811.9402,"sentiment":"neutral","sentiment_score":-0.10245699074584991}],"sentiment":"neutral","sentiment_score":-0.09964434159072963,"num_words":66,"start":2783.7,"end":2811.9402},{"sentences":[{"text":"And only under that circumstance would Maddie actually become their legal guardian.","start":2812.4001,"end":2816.375,"sentiment":"neutral","sentiment_score":-0.09650576797624429},{"text":"Otherwise, technically, she's probably kidnapping them and or it's still the other parent's obligation to look after them.","start":2816.435,"end":2825.075,"sentiment":"neutral","sentiment_score":-0.13469953876402643},{"text":"So that becomes the messy part, but even under a will, that's not gonna take care of that.","start":2825.075,"end":2830.23,"sentiment":"neutral","sentiment_score":-0.11213042876786655},{"text":"It would it would literally be if, like, if anything happened to you before the youngest turned 18, they're I'm I'm gonna use the word father because irrespective, like, it's the male part party.","start":2830.71,"end":2843.295,"sentiment":"neutral","sentiment_score":-0.07112401208895094},{"text":"Irrespective of how involved they are, that that father would become the legal guardian for that child if you have a 100% custody of that child unless their parental rights have been removed.","start":2843.855,"end":2858.355,"sentiment":"neutral","sentiment_score":-0.10586391434524998}],"sentiment":"neutral","sentiment_score":-0.10011073231049206,"num_words":115,"start":2812.4001,"end":2858.355},{"sentences":[{"text":"Yeah.","start":2870.9302,"end":2871.4302,"sentiment":"neutral","sentiment_score":-0.12222996354103088},{"text":"Yeah.","start":2881.035,"end":2881.535,"sentiment":"neutral","sentiment_score":-0.08667881786823273},{"text":"And re realistically speaking, your eldest daughter could go to court and the kids are get the kids are old enough that the court like, after 12, the kids are old enough that the courts will take into consideration.","start":2882.2349,"end":2892.23,"sentiment":"neutral","sentiment_score":-0.1840090579711474},{"text":"Sounds like they were raised by a mother that can speak up, so that's good.","start":2899.65,"end":2903.0298,"sentiment":"neutral","sentiment_score":0.27683933774630226},{"text":"Close.","start":2920.25,"end":2920.75,"sentiment":"neutral","sentiment_score":-0.025996211916208267}],"sentiment":"neutral","sentiment_score":-0.057169617333433086,"num_words":57,"start":2870.9302,"end":2920.75},{"sentences":[{"text":"Yeah.","start":2929.21,"end":2929.71,"sentiment":"neutral","sentiment_score":0.010250757448375223},{"text":"Yes.","start":2930.49,"end":2930.99,"sentiment":"neutral","sentiment_score":0.08172598481178284},{"text":"Close.","start":2932.89,"end":2933.39,"sentiment":"neutral","sentiment_score":0.056171465665102005},{"text":"Yeah.","start":2934.7349,"end":2935.2349,"sentiment":"neutral","sentiment_score":0.03476604074239731},{"text":"Yeah.","start":2938.4949,"end":2938.9949,"sentiment":"neutral","sentiment_score":0.054049260914325714}],"sentiment":"neutral","sentiment_score":0.04739270191639662,"num_words":5,"start":2929.21,"end":2938.9949},{"sentences":[{"text":"Okay.","start":2939.375,"end":2939.855,"sentiment":"neutral","sentiment_score":0.07721021771430969},{"text":"And and we can I can keep reminding you as a gentle friend to be like, hey?","start":2939.855,"end":2944.1748,"sentiment":"neutral","sentiment_score":0.1501268577926299},{"text":"You said you want to do that thing.","start":2944.1748,"end":2945.9348,"sentiment":"neutral","sentiment_score":0.11600063368678093},{"text":"You done it yet?","start":2945.9348,"end":2946.93,"sentiment":"neutral","sentiment_score":0.0706813232973218},{"text":"So I can keep touching base on that.","start":2947.17,"end":2949.3499,"sentiment":"neutral","sentiment_score":0.12447531148791313}],"sentiment":"neutral","sentiment_score":0.12726051723094364,"num_words":38,"start":2939.375,"end":2949.3499},{"sentences":[{"text":"Cool.","start":2951.01,"end":2951.41,"sentiment":"positive","sentiment_score":0.47654879093170166},{"text":"Alright.","start":2951.41,"end":2951.8098,"sentiment":"neutral","sentiment_score":0.24905650317668915},{"text":"Well, I'm gonna get my notes in.","start":2951.8098,"end":2953.25,"sentiment":"neutral","sentiment_score":0.11417992200170245},{"text":"I'm gonna start working on where I need to head.","start":2953.25,"end":2955.51,"sentiment":"neutral","sentiment_score":0.08131380528211593},{"text":"Let's do what is today?","start":2955.73,"end":2959.1099,"sentiment":"neutral","sentiment_score":0.024790848419070245}],"sentiment":"neutral","sentiment_score":0.10258154345986743,"num_words":24,"start":2951.01,"end":2959.1099},{"sentences":[{"text":"Tuesday.","start":2959.3298,"end":2959.8298,"sentiment":"neutral","sentiment_score":0.029241275042295456},{"text":"Would you be happy to meet I was gonna say two weeks, but I took some time off to spend with my husband for our ten year wedding anniversary.","start":2961.555,"end":2977.11,"sentiment":"neutral","sentiment_score":0.07455895866813331},{"text":"So would you be okay for three weeks, October 13?","start":2977.11,"end":2980.33,"sentiment":"neutral","sentiment_score":0.02521351892501116},{"text":"We can or anytime that week, really.","start":2981.03,"end":2985.45,"sentiment":"neutral","sentiment_score":0.02932569118482726},{"text":"I picked Tuesday because it's just it's Tuesday now, but the week of the October 12.","start":3008.6199,"end":3012.4,"sentiment":"neutral","sentiment_score":0.044875054620206356}],"sentiment":"neutral","sentiment_score":0.05344233298230739,"num_words":63,"start":2959.3298,"end":3012.4},{"sentences":[{"text":"And fantastic.","start":3012.86,"end":3026.935,"sentiment":"neutral","sentiment_score":0.2966144122183323},{"text":"Do you wanna go for 04:00 again?","start":3027.2349,"end":3029.655,"sentiment":"neutral","sentiment_score":0.08902726748159953},{"text":"Fantastic.","start":3031.38,"end":3031.88,"sentiment":"positive","sentiment_score":0.5217870473861694},{"text":"I will put it in the calendar.","start":3032.02,"end":3033.46,"sentiment":"neutral","sentiment_score":0.29026240961892263},{"text":"I will send you an invite so it pops into your calendar, and we will meet, and I will go over the advice then.","start":3033.46,"end":3038.04,"sentiment":"neutral","sentiment_score":0.18592497209707895}],"sentiment":"neutral","sentiment_score":0.20078641321600937,"num_words":41,"start":3012.86,"end":3038.04},{"sentences":[{"text":"Correct.","start":3044.18,"end":3044.68,"sentiment":"neutral","sentiment_score":0.2562445402145386},{"text":"And where and where we went ahead with some of the things.","start":3047.0151,"end":3049.435,"sentiment":"neutral","sentiment_score":0.23114913702011108},{"text":"But for now, what I'll do is I'll send you an email, reattach the two forms, the beneficiary change name, and the gentle reminder to send me your budget.","start":3049.735,"end":3058.395,"sentiment":"neutral","sentiment_score":0.16689800239842514},{"text":"You've already sent me your ID, so happy days on that side.","start":3059.16,"end":3062.14,"sentiment":"positive","sentiment_score":0.3400729161997636},{"text":"And I'll have a look over it, and, I'll be able to talk to you about the budget on the the thirteenth.","start":3063.24,"end":3069.5798,"sentiment":"neutral","sentiment_score":0.22056007046591153}],"sentiment":"neutral","sentiment_score":0.22109569471917653,"num_words":76,"start":3044.18,"end":3069.5798},{"sentences":[{"text":"That's okay.","start":3072.835,"end":3073.5752,"sentiment":"positive","sentiment_score":0.40406671166419983},{"text":"No stress.","start":3073.635,"end":3074.455,"sentiment":"neutral","sentiment_score":0.17219854146242142},{"text":"Was there anything else?","start":3074.7551,"end":3075.8152,"sentiment":"neutral","sentiment_score":0.07854003552347422},{"text":"You're so fine.","start":3085.93,"end":3086.73,"sentiment":"positive","sentiment_score":0.49396631121635437},{"text":"Like I said, half a half a counselor.","start":3086.73,"end":3088.99,"sentiment":"neutral","sentiment_score":0.17250209115445614}],"sentiment":"neutral","sentiment_score":0.2278213848016764,"num_words":19,"start":3072.835,"end":3088.99},{"sentences":[{"text":"Yes.","start":3102.685,"end":3103.185,"sentiment":"neutral","sentiment_score":0.06074246764183045},{"text":"Yes.","start":3103.2449,"end":3103.405,"sentiment":"neutral","sentiment_score":0.03008456900715828},{"text":"I figured I should probably put something in my marriage sometime.","start":3103.405,"end":3105.885,"sentiment":"neutral","sentiment_score":-0.10488545352762396},{"text":"I'm alcoholic, so poor man deserves something.","start":3105.885,"end":3108.545,"sentiment":"neutral","sentiment_score":-0.1847731971314975},{"text":"I will.","start":3112.615,"end":3113.335,"sentiment":"neutral","sentiment_score":0.17782455682754517}],"sentiment":"neutral","sentiment_score":-0.09093982811001214,"num_words":22,"start":3102.685,"end":3113.335},{"sentences":[{"text":"I will talk to you in a couple of weeks.","start":3113.335,"end":3115.515,"sentiment":"neutral","sentiment_score":0.10858748406171799},{"text":"Bye, Zoe.","start":3117.815,"end":3118.215,"sentiment":"neutral","sentiment_score":0.12289075180888176},{"text":"Bye.","start":3118.215,"end":3118.715,"sentiment":"neutral","sentiment_score":-0.07706768810749054}],"sentiment":"neutral","sentiment_score":0.09650681970211175,"num_words":13,"start":3113.335,"end":3118.715}]}}]},{"alternatives":[{"transcript":"If you record your name and reason for calling, I'll see if this person is available. Thanks. Please stay on the line. Hello. This is her. Good. Thank you. How are you? Yeah. A lot a lot's going on. Yeah. Yes. So you'd have Zoe Louise Palmer. 1st Of 98517 Green Crescent Mount Warren Park. I've I've just changed my name back, though, so that is one thing I need to update as soon as possible. Yes. Yeah. Yeah. Did you did you know in the research? Well done. That's right. Yeah. Yeah. And a a 50. Yes. My name? My address my address is still the same. Mhmm. Yeah. So I've changed it with I've got a new driver's license. My passport's not changed. It's still Stillman. I never actually got around to it. But my passport and my driver's license are both Stillman now. I only have a digital version until I get the physical version sent out to me. So that's yeah. Yeah. Of course. Oh, sweet. Okay. Awesome. Alright. I'm gonna yeah. Okay. Cool. I'm just writing notes as we go. So I don't get what I need to do. Yep. Yep. Yep. Oh, yes. Yeah. I just wanna put my kids on, like, 25% each. I've got four kids. I only had three on there. That was much to do with the, I suppose, the ex relationship. But yeah. So I just need to take James off it. He's also got me as the person to contact for his stuff with you guys. I need to cut that off as well. Yeah. Awesome. Because he when he signed up with Oakview, he put me as his authority to talk and liaise and do everything for him. And I just don't want anything to do with him ever again. So no. No. He's not. No. Not the father of any of them, and they're very happy he's gone. Oh, honestly, it's been a touch and breath of fresh air, and I can breathe again. Just it it's actually really, really good. Yeah. I was so sick of pretending that everything was okay and making putting on a happy face and yeah. It's so much better now. Yeah. Yeah. Yeah. Yeah. So they when so when those forms arrive, I just fill them out, send them back to you. And with my driver's license, I can just copy that as a link and send it to send it through to your email? Alright. Cool. Awesome. Yeah. Cool. So you are larissa, larissa,@oqfinancial.com.u? I'm doing it right now. And I'm just gonna put the subject's system and license. Alright. That's done. Yes. Yes. No. I still got this no. Still got the same email. Still got the same mobile phone number. I'm not leaving the house. I got rid of him. It was my house anyway. So all that is done. Yeah. The I think, like, that that pretty much sort of that situation anyway. The only other sorry. No. You go. The only other thing that I was I had on my list was that other stuff with one path, but we'll stick with this part. What were you gonna say? There was a lot of financial abuse in the relationship, and the way we cut ties, I ended up in a lot of strife financially. So much so that I have entered into a pay part nine of bankruptcy. So I've gone into a debt agreement because after what comes to fruition is he had just taken out all these paid vances, and they were in his name but attached to my account. And he didn't pay them. And then there was, like, the we had a combined loan from the wedding, which is bullshit, which I've been stuck with because it's in my name. And I it was just he ended up picking up a really bad habit and just started hiding money and spending money, and I kept working my little ass off. And my company ended up coming to the rescue and gave me a significant loan on the on the short term situation to get me out of strife, which I'm actually paying back out of my salary every fortnight, which was a interest free loan just out of the gratitude of my CEO part, which is really lucky because I had no other options. But the the debt agreement also includes a Centrelink debt, which was accrued when we put our details together. And it also includes a ATO debt. So the total debt value was $46,000, but I couldn't I couldn't come up with it and I couldn't pay it. So I just sent it into the agreement so I could get out of it. So I'm I'm at a in a position now that I pay $400 a fortnight to pay that debt agreement off for three years, and then it sticks on my file for five is how I understand it. But they said once once it's paid off, they said that there are places that because I still want desperate to buy a house. That's what all I've been wanting to do. So they said that there are places that I can get home loans through even though if I pay off all the debt and, like, at the three year mark. But even though I'm still gonna listing, but I will probably talk to you guys when that time comes anyway. Yeah. Yeah. Yeah. It's a shame because, like, I all that stuff happened with the breakup, and the company helped me. And then they gave me quite a significant pay rise, and then they gave me a bonus. So, like, I'm I've hit 6 figures now, and I'm on really good income. And it just breaks the heart that I'm in this situation. You know? So yeah. But lesson learned. Don't trust boys. Yeah. And involved and that's what I said, like, when, you know, I was I was really emotional when it first happened. And I said to my boss, like, it's like I was sailing this yacht, and he was just riding my wave. You know? And it's like I've always had, like, a vision for growth, and he just was so stagnant and so stuck in being a child and drinking and partying and doing cocaine. And I just I I can't fathom why anybody that is a father would wanna behave like that. So yeah. Yep. And he he has his own kids, but they won't have anything to do with him. Mhmm. So, like yeah. So when I when we separated, I obviously still see all his kids. And so I've got all my kids. Yeah. Yeah. Yeah. That's right. So and that's the thing. So, essentially, I've I've got eight kids now, and I'm all alone. No. It is. It's okay. They're they're great kids. They're all great kids. So it's fine. I've just yeah. One step at a time. But and then the other thing, I had to get emergency dental work. Obviously, it was quite a situation. So I oh, so just with the ongoing medication that I have been taking for my gut health and stuff like that and the gourd and everything that's developed over time, I my teeth got really, really brittle, but I also caught a bit of a hit to the face. And, yeah, the it was it's just I'm always been very well presented, and I it was yeah. And so I just I went down that avenue, and I got the super release so I could just get them fixed and not have any gaps in my face. Yeah. I I know. It is I'm I'm tough cookie. I'm okay. Like, I really am. I just yeah. It's it's just unfortunate circumstance. And I think more than anything, like, I'm really happy that it's done with, but you kick yourself because everybody sees except you when there's something wrong. And I had such I had so many really good friends going. I is everything okay? Are you okay? Like, is there something we should be doing, or what do you want us to do? And they were trying to tell me for a really long time. And then when we got married, it was like he didn't want anybody at the wedding, and he wanted to elope. And it was like and now I know why. He he doesn't really have anybody because he needs a shit human. And and, you know, like, I all my friends were like, what are you doing? Why are we doing this? And it's like, yeah. I'm just gonna be so lovely, and he loves me so much. Love, bomb, bomb, bomb, bomb, bomb. And then the moment I had a ring on my finger, it was like I would become a possession. And yeah. And it was and he he got lazy and angry and violent and secretive, and then he infidelity and all sorts of stuff. It was just it was out of control, and I just was like, how the hell did this happen? So yeah. But, I mean, like, he's still applying to you guys. So yeah. I would I would say that he would be in a lot of he's got no financial, like, in he doesn't know what yeah. That's the word. He doesn't understand it, and that's why he always just tried to make me handle everything for him. So and even, like, in this situation that he's in now, like, obviously, I picked up all his debts, but I've been getting letters from the transport department that he's accrued all these fines, and he's, like, $10,000 per debt. And they're like, if you don't pay it, you're gonna lose your license. Yeah. But it's like even with the DB and when it actually ended, the police couldn't find him because he just took off. So they couldn't actually do anything for quite some time about, like, the situation and what he did. So I had no proof of separation for ages. So it was it was it was quite a quite a thing, quite a time, but it's alright. Yeah. Yeah. And that that's right. And, you know, and it went to, like, what what the company did for me that I worked for was incredible because I was able to fix up the house because there was some damages to the house. And I got rid of everything, and I did a refresh and, you know, like, it just it's a reset and a restart, and it feels like my home and my place and my safe zone again. So it was that that was really good. Really, really good. So yeah. Yeah. Now I just gotta build it all back up again. Yeah. Yeah. I mean, to be honest, I've I've made my own mistakes in time, and and I probably am not the best at making good choices when it comes to love because I always seem to land in a situation where I'm like, shit. What am I gonna do now? But here here we are. Yeah. We'll just hope for the best, I think. Yeah. Yeah. I know. It's pretty wild. Hey. Yeah. Yeah. Well, that that's all I've I've sort of done. I've reconnected with my friends, and I've been able to do things with them again and because I wasn't allowed to see them before, so that's fantastic. And, you know, I'm just I work quite a lot of hours. Like, I work and I I live and breathe my job, but I I'm also my other job's been a mom, so I live and breathe that too. So I'm busy. I'm busy now. Yeah. Yeah. But anyway, so that's tick tick tick. And as soon as I get those forms from you, I'll print them off at work tomorrow, and I'll fill them out and get them back to you ASAP as well so we can just finish that part of things. The other stuff, so the one pass stuff, I I got that email because they did that do you remember they did that full investigation? And they came up with their own decision, and, yeah, it was kinda disappointing. But even though that was closed off months ago, I've still been charged for So I'm just yeah. Somehow mhmm. Yes. Yeah. Yeah. Yeah. Okay. Yeah. Yeah. Yeah. Because I would've sat there that would've sat there and accrued, and they're gonna wanna claim that money from me. But then, like, essentially, I I was cut off from them. So yeah. That's why I feel like there was I honestly feel like there was something more going on because of an issue that I had with the business that was attached to that business. Yeah. And I I honestly believe that there is some public strings being called and something very, very dodgy has happened because, like, I I genuinely, like, it was just a simple mistake, but the investigation they did on me was insane. And that was on the back of me working for Blink Property, which is affiliated with them. Yeah. And when I worked with them, is when I first got sick, and I, collapsed at work, and I went to hospital, And I was in hospital for two and a half weeks. And in that time frame, they ended my employment. They sent one of their junior girls over to my house to collect my laptop and all my stuff. And it was just it was I I it was all out of my control, and I was too sick to deal with them. And I was like, okay. I don't have a job anymore. However, I spoke to one of the people that work at the company called Carolyn Brown, and she said to me that it's okay. We'll work it all out. Once you're feeling better and you've got back up on your feet, you can come back to work. And and I was like, oh, sweet. So I still have a job. And so I started I was still I was getting paid paid on fortnightly on my salary, and I continue to get paid on my salary. So I was getting payslips, and I'd sent an email, and I I had confirmation from her that that was normal. That was the process. Don't worry about it. It was good. And I got payments from them for about four and a half months, and then I got an email saying you owe us $18,000. Your employment was ceased when back in blah blah blah blah. And I said no, and here's my email thread. And then they tried to get a private investigator to come around and serve me with paperwork saying that I had to pay them back. And I said no because this is the email trail. This is the confirmation that I was told that I was supposed to receive this money. And then I got this really angry email from them one day saying that that I owed the money, and if I didn't come to the party and fix it, that they would find other ways to redeem the money from me and get it back. And then lo and behold, like, this has occurred. So I feel like there is something to do with that, and I don't know if it's no. No. No. Because I had all the email trail of the conversations that I had with them, and I, like, I got somebody in legal aid to look over it, and they and then I approved that as well. And I said, look. You guys don't really have a leg stand on a contact Fair Work, and they said, hey. Actually, you've got a case that's unfair dismissal. And then all of a sudden, it disappeared because the unfair dismissal would've been a lot more than what they had paid me. And yeah. Yeah. But it it was a tough time because I I was really sick. I was really sick. And then, like, once I was better and I I felt I could get my life back on track, I I just I got I landed the job at Newway, and and they're they're brilliant. And they you know, I've I've got so much self worth because they can see what I can do, and they keep they kept promoting me and putting me up the company. And and I'm doing really, really well with them. So I just sorta went, okay. Well, that's done and dusted, and that's all over and done with. But yeah. And then I just I feel like this is some kinda link, and I don't know if it's from that particular person that I had was deal dealing with, who's Carolyn, or or what it is. But, like, I can't help but feel like it's something to do with that. Yeah. Well, she was part of the real estate racket. So Carolyn was part of Blink, which is Zurich, but not on the insurance side of things. So she is affiliated with people, but she works for a different area. Yeah. So because it was all with property. Like, I was I I was just started as, like, a real estate sorta admin assistant. I wasn't even a property manager or anything like that. And and that was the other thing. Like, I was really pushed into doing the work of a property manager, which would have been very, very illegal as well. And I had all that record as well that they had me doing those things that I wasn't licensed to do. So that that was a big problem as well. And then I witnessed some pretty horrendous things within the company. But I I just didn't say anything about it because I was like, oh, okay. Well, I don't I don't wanna get in trouble. I don't want them to get in trouble. So yeah. And I think, like, they knew that I knew a lot of things as well. And when I got sick, they kinda went, oh, here's an opportunity. We'll we'll get rid of this situation. So I think that's how it went. And yeah. I I I don't know. Maybe that's just my investigator mind. But I I honestly, I feel like that's the bigger picture and you know, because the the situation for what they've called me on for claiming insurance on a situation when I was sick, it's just they tried to say that I was a liar about my health, but in all honesty, like and what I said in my impact statement, I'm like, I I went through domestic violence and all that stuff, and I'll like, there's a lot of gaps in my memory for what's happened and what's going on and, you know, I guess that's just you suppress it. And and the more and behold, I go and get myself in another DV situation. Oh, mate. Yeah. Yeah. Yeah. I just I just think that that there is there are good people in the world. I've just, like, I've always gone for pretty people, and I just need to stop doing that. Yeah. Yeah. I I oh, that's right. That's it. And I'm sure one day, there'll be that someone out there, and I'll I will be happy. But right. Yeah. But right now, it's like I've got there's just so much has happened. I should write a book, dude. I should write a book. I just gotta channel it. Yeah. Maddie turns 21 in February. Kobe has just turned 19. And next year, Colin's turning 14 and Hendricks is turning 12. No. Colin's turning 15 and Hendricks is turning 12. Yeah. Yeah. That's right. And and you know what? They're all doing really, really well. Like, Madison's a TA, and and she's studying to become a early education primary school teacher. So she's studying, and Kobe's studying psychology at uni. Colin's IT orientated, and Hendrix wants to be a vet. And they all got their own past, and they're doing an incredible job. So, you know, I I I feel like they all maybe done something right. Yeah. Yeah. Yeah. That's right. So that's a good thing. But I'm sorry. I'm a hit yapping at you like you're a site like a a therapist. Yeah. Yeah. Yeah. Yeah. Yeah. Yes. Mhmm. Yes. Yep. Yep. Yeah. Yes. Yeah. Mhmm. Yes. Yeah. So what's that mean? What's what what does that mean? Yeah. Yeah. Mhmm. Yeah. Okay. Yeah. Yeah. Yeah. I mean, I do wanna try try and work at the cash flow thing and maybe the patch fix is the best option at the moment. But is that how cost effective is that? Like, what I mean, is it going to be more than $3,000 a year? Do you know what I mean? And it it's just it's something. Can I I I guess that that gives a little bit of something if something happens to me, to my family, and that's the main thing? Like, that's what I worry about most. Yeah. So, you know, I I feel like I am very well supported in my employment, which is and, you know, that's also something that might help if would it, maybe, if I could get them some rights? Something about my security and my employment, would that help with insurance or or obtaining insurance? No. Okay. I was hoping it impacted. I was hoping it would really get my friends through to me. Yeah. Yeah. It's okay. Yeah. Yeah. Yeah. Yeah. So will they still will they still take that money? Will they still charge me even though they've made a mistake? Okay. Alright. Awesome. And will so it'll the money will be charged from my super that refunded back to my super, obviously? Yeah. Awesome. Okay. Because I was like, yeah. I wanna make sure that it's going back where it needs to go because, obviously, I've taken that big chunk out recently and it's back down low again. Yeah. Yeah. Yes. Yeah. Yeah. Yeah. Awesome. Okay. Yeah. Okay. Awesome. So okay. With with these options, so let's look at the patch fix until we can find something. Do you think that will come to fruition? Do you think I will find somebody who will cover me eventually? Yeah. Yeah. Yeah. Mhmm. Yeah. Okay. Alright. That's okay. Obviously, it's a process, and it's gonna take time. But if if there's the biggest thing I worry about is, like I mean, I'm not gonna end up with a parent disability, I don't think, because, like, I honestly work very office orientated in my job. And then, like, with my health, it's I've got a really good support team and, you know, like, I've had diaric support and all sorts of stuff. So, like, I've educated myself really well on just the functions of my body, which is helps my health phenomenally, which is awesome. So I think, like, that that's at a really good place at the moment, but you don't know what's gonna happen. Right? So the essentially, like, the big thing is I worry about an accident and then something happening to me and then the kid's been left with nothing. And I think that is my biggest fear. You know, the they have that strong codependency on me, even the older ones, that they need they they need me. So that's why I'm I'm really want to ensure something's in place. And the other thing, obviously, is I I kinda need to look at my my portfolio in in what position I'm in and if I should be increasing, like, you know, the maybe into a high risk category and try and boost that or if it it's the right thing to do. I'm not sure, but I'd probably like to look at my portfolio as well and see if there's any way I can generate that to get the super growing quicker. I don't know if that's the right thing to do, but I, Yes. Yeah. Yeah. No. Not at all. So, obviously, that it was an emergency situation. It's not gonna happen again. The you know, life. Right? Essentially, like, I you know, my my income's increased, which means my super contributions are increased as well. It's fantastic. I get reviewed again in twelve months, which it'll probably jump another 10 k in twelve months' time. So I'm continuously going with the business, and the business is growing, and it's not going to slow down because it's a very long standing business that has just it it's just generating huge revenue, which is fantastic because every time the world shuts down, people want to make their yards beautiful. You know? And that's what New Way supplies is landscape stuff. So it's a it's a it's a baby bunnings, really. And and we've just jumped from 10 stores to 11 stores, and I take care of the operational standards of all those stores. So it's the I'm forever getting accolades from the company, so I feel like my income is only going to keep improving. So I feel like whatever super contributions going in, I'd like to try and grow it as best I can. Yeah. So I'm on a 115. Yeah. Thank you. I'm I'm really happy about that. So it it's fantastic. I'm very stoked that I got that. It well, actually, it's a 110, but because I got the five k bonus, essentially, it looks like 115. Do you know what I mean? Yeah. But I also have, like, the perks from the company where I've got a company card, a car, and a fuel card, and all that stuff. So there that actually is such a huge impact. Yeah. Exactly right. I I have created one, and I would be really interested to also on your opinion of it. Yeah. That yeah. Yeah. Well, the the little things. Yeah. I understand that. So that that'd be great if I can send that template through to you of what I've actually sorta set it for the entire financial year. So it's it's prefilled to really, really stick to it. I mean, I've added in kids' birthdays and Christmas and holidays and all sorts of stuff. So it'd be great if I could send that through and you could say, you know, you've overstepped here or you're going too high here or you're going too low here. That that would be really, really great. Yes. Yeah. A portfolio change, like a change in. Yeah. Yeah. Yeah. Yes. I'm the eldest. So my eldest daughter has made a plan, but I don't have a will. So my eldest daughter, we had had a very, very long and lengthy conversation about it, and she and she said to me, like, that she would not let them be separated and she would want them to be she would wanna do that. And it's big gig about I mean, I become a mom when I was 20. Yeah. Yeah. I mean, Kobe's independent now too because he's 19, so he wouldn't step on her terrain. But Madison's very switched on, and she's the only girl and the eldest and has raised, like, raised them alongside of me. She's always been the second parent because the dads are being shit. So and she's very close with all the kids. So that would be ideally where she would fight for it even if I was to put them out somewhere else. She would fight for them. So, yeah, that that would be the plan. But I would love to do a will if you know anyone. Yeah. Excellent. Yeah. Yeah. That would be awesome. And then the cost of wheels and stuff, how how does that all work? Like, are they expensive? Yeah. Okay. Alright. Cool. Yeah. So is it something that I could sit with for a while and just wait, or is it something that I should yeah. Alright. Yeah. Yeah. Yeah. Yeah. Yeah. Okay. Yeah. Yeah. Yeah. Mhmm. Yeah. Okay. Yeah. Okay. Alright. That's that's concerning. I don't they've they've not they've been it's very vacant father. So I don't feel like it would be something that I would it I don't think it comes fruition because the children don't so but we don't yeah. Yeah. Awesome. That's good. And they they've really they've got good voices. So yeah. So so that's good. That's good. That is a good thing. But it it's probably definitely something, particularly, like, if I'm I'm in this growth period at the moment, so all I wanna do is build. And, eventually, it's going to be where I expect it to be because I've got nobody holding me back anymore. So, essentially, within the next three to five years, it's probably something I'm I will go down that avenue. But by that stage, then, you know, one of them will be old enough. The other one will be very, very powerful in his own voice. So we I probably won't have too much of an issue in that sense. Yeah. Yeah. That's that's, yeah. That'd be great. Excellent. Yeah. Let me just check and see. Alright. I'm just gonna go calendar. Month view. Okay. So we are September 22. So what date were you thinking? Yeah. Okay. So I am a groomsman for my best friend's wedding on that weekend, and I'm checking in on the fourteenth. So the thirteenth the evening of thirteenth would be perfect. Yes, please. Alright. Excellent. That sounds fantastic. And that'll just be, like, a summary of where we're at. Yeah? Alright. Perfect. Alright. Yeah. Yep. Sounds fantastic. Thank you. Alright. No. And and with all my crazy and sensitive circumstances, I really appreciate how great you've been, so thank you very much. Alright. Well, have a have a great time off, and enjoy your tenure, and I will rendezvous with you shortly. Yeah. No. That is good. Yeah. No. That's good. That's good. Enjoy. Alright. Thanks, Paul. Okay. 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you record your name and reason for calling, I'll see if this person is available. Thanks. Please stay on the line. Hello. This is her.\n\nGood. Thank you. How are you? Yeah. A lot a lot's going on.\n\nYeah. Yes. So you'd have Zoe Louise Palmer. 1st Of 98517 Green Crescent Mount Warren Park. I've I've just changed my name back, though, so that is one thing I need to update as soon as possible.\n\nYes. Yeah. Yeah. Did you did you know in the research? Well done.\n\nThat's right. Yeah. Yeah. And a a 50. Yes.\n\nMy name? My address my address is still the same. Mhmm. Yeah. So I've changed it with I've got a new driver's license.\n\nMy passport's not changed. It's still Stillman. I never actually got around to it. But my passport and my driver's license are both Stillman now. I only have a digital version until I get the physical version sent out to me.\n\nSo that's yeah. Yeah. Of course. Oh, sweet. Okay.\n\nAwesome. Alright. I'm gonna yeah. Okay. Cool.\n\nI'm just writing notes as we go. So I don't get what I need to do. Yep. Yep. Yep.\n\nOh, yes. Yeah. I just wanna put my kids on, like, 25% each. I've got four kids. I only had three on there.\n\nThat was much to do with the, I suppose, the ex relationship. But yeah. So I just need to take James off it. He's also got me as the person to contact for his stuff with you guys. I need to cut that off as well.\n\nYeah. Awesome. Because he when he signed up with Oakview, he put me as his authority to talk and liaise and do everything for him. And I just don't want anything to do with him ever again. So no.\n\nNo. He's not. No. Not the father of any of them, and they're very happy he's gone. Oh, honestly, it's been a touch and breath of fresh air, and I can breathe again.\n\nJust it it's actually really, really good. Yeah. I was so sick of pretending that everything was okay and making putting on a happy face and yeah. It's so much better now. Yeah.\n\nYeah. Yeah. Yeah. So they when so when those forms arrive, I just fill them out, send them back to you. And with my driver's license, I can just copy that as a link and send it to send it through to your email?\n\nAlright. Cool. Awesome. Yeah. Cool.\n\nSo you are larissa, larissa,@oqfinancial.com.u? I'm doing it right now. And I'm just gonna put the subject's system and license. Alright. That's done.\n\nYes. Yes. No. I still got this no. Still got the same email.\n\nStill got the same mobile phone number. I'm not leaving the house. I got rid of him. It was my house anyway. So all that is done.\n\nYeah. The I think, like, that that pretty much sort of that situation anyway. The only other sorry. No. You go.\n\nThe only other thing that I was I had on my list was that other stuff with one path, but we'll stick with this part. What were you gonna say? There was a lot of financial abuse in the relationship, and the way we cut ties, I ended up in a lot of strife financially. So much so that I have entered into a pay part nine of bankruptcy. So I've gone into a debt agreement because after what comes to fruition is he had just taken out all these paid vances, and they were in his name but attached to my account.\n\nAnd he didn't pay them. And then there was, like, the we had a combined loan from the wedding, which is bullshit, which I've been stuck with because it's in my name. And I it was just he ended up picking up a really bad habit and just started hiding money and spending money, and I kept working my little ass off. And my company ended up coming to the rescue and gave me a significant loan on the on the short term situation to get me out of strife, which I'm actually paying back out of my salary every fortnight, which was a interest free loan just out of the gratitude of my CEO part, which is really lucky because I had no other options. But the the debt agreement also includes a Centrelink debt, which was accrued when we put our details together.\n\nAnd it also includes a ATO debt. So the total debt value was $46,000, but I couldn't I couldn't come up with it and I couldn't pay it. So I just sent it into the agreement so I could get out of it. So I'm I'm at a in a position now that I pay $400 a fortnight to pay that debt agreement off for three years, and then it sticks on my file for five is how I understand it. But they said once once it's paid off, they said that there are places that because I still want desperate to buy a house.\n\nThat's what all I've been wanting to do. So they said that there are places that I can get home loans through even though if I pay off all the debt and, like, at the three year mark. But even though I'm still gonna listing, but I will probably talk to you guys when that time comes anyway. Yeah. Yeah.\n\nYeah. It's a shame because, like, I all that stuff happened with the breakup, and the company helped me. And then they gave me quite a significant pay rise, and then they gave me a bonus. So, like, I'm I've hit 6 figures now, and I'm on really good income. And it just breaks the heart that I'm in this situation.\n\nYou know? So yeah. But lesson learned. Don't trust boys. Yeah.\n\nAnd involved and that's what I said, like, when, you know, I was I was really emotional when it first happened. And I said to my boss, like, it's like I was sailing this yacht, and he was just riding my wave. You know? And it's like I've always had, like, a vision for growth, and he just was so stagnant and so stuck in being a child and drinking and partying and doing cocaine. And I just I I can't fathom why anybody that is a father would wanna behave like that.\n\nSo yeah. Yep. And he he has his own kids, but they won't have anything to do with him. Mhmm. So, like yeah.\n\nSo when I when we separated, I obviously still see all his kids. And so I've got all my kids. Yeah. Yeah. Yeah.\n\nThat's right. So and that's the thing. So, essentially, I've I've got eight kids now, and I'm all alone. No. It is.\n\nIt's okay. They're they're great kids. They're all great kids. So it's fine. I've just yeah.\n\nOne step at a time. But and then the other thing, I had to get emergency dental work. Obviously, it was quite a situation. So I oh, so just with the ongoing medication that I have been taking for my gut health and stuff like that and the gourd and everything that's developed over time, I my teeth got really, really brittle, but I also caught a bit of a hit to the face. And, yeah, the it was it's just I'm always been very well presented, and I it was yeah.\n\nAnd so I just I went down that avenue, and I got the super release so I could just get them fixed and not have any gaps in my face. Yeah. I I know. It is I'm I'm tough cookie. I'm okay.\n\nLike, I really am. I just yeah. It's it's just unfortunate circumstance. And I think more than anything, like, I'm really happy that it's done with, but you kick yourself because everybody sees except you when there's something wrong. And I had such I had so many really good friends going.\n\nI is everything okay? Are you okay? Like, is there something we should be doing, or what do you want us to do? And they were trying to tell me for a really long time. And then when we got married, it was like he didn't want anybody at the wedding, and he wanted to elope.\n\nAnd it was like and now I know why. He he doesn't really have anybody because he needs a shit human. And and, you know, like, I all my friends were like, what are you doing? Why are we doing this? And it's like, yeah.\n\nI'm just gonna be so lovely, and he loves me so much. Love, bomb, bomb, bomb, bomb, bomb. And then the moment I had a ring on my finger, it was like I would become a possession. And yeah. And it was and he he got lazy and angry and violent and secretive, and then he infidelity and all sorts of stuff.\n\nIt was just it was out of control, and I just was like, how the hell did this happen? So yeah. But, I mean, like, he's still applying to you guys. So yeah. I would I would say that he would be in a lot of he's got no financial, like, in he doesn't know what yeah.\n\nThat's the word. He doesn't understand it, and that's why he always just tried to make me handle everything for him. So and even, like, in this situation that he's in now, like, obviously, I picked up all his debts, but I've been getting letters from the transport department that he's accrued all these fines, and he's, like, $10,000 per debt. And they're like, if you don't pay it, you're gonna lose your license. Yeah.\n\nBut it's like even with the DB and when it actually ended, the police couldn't find him because he just took off. So they couldn't actually do anything for quite some time about, like, the situation and what he did. So I had no proof of separation for ages. So it was it was it was quite a quite a thing, quite a time, but it's alright. Yeah.\n\nYeah. And that that's right. And, you know, and it went to, like, what what the company did for me that I worked for was incredible because I was able to fix up the house because there was some damages to the house. And I got rid of everything, and I did a refresh and, you know, like, it just it's a reset and a restart, and it feels like my home and my place and my safe zone again. So it was that that was really good.\n\nReally, really good. So yeah. Yeah. Now I just gotta build it all back up again. Yeah.\n\nYeah. I mean, to be honest, I've I've made my own mistakes in time, and and I probably am not the best at making good choices when it comes to love because I always seem to land in a situation where I'm like, shit. What am I gonna do now? But here here we are. Yeah.\n\nWe'll just hope for the best, I think. Yeah. Yeah. I know. It's pretty wild.\n\nHey. Yeah. Yeah. Well, that that's all I've I've sort of done. I've reconnected with my friends, and I've been able to do things with them again and because I wasn't allowed to see them before, so that's fantastic.\n\nAnd, you know, I'm just I work quite a lot of hours. Like, I work and I I live and breathe my job, but I I'm also my other job's been a mom, so I live and breathe that too. So I'm busy. I'm busy now. Yeah.\n\nYeah. But anyway, so that's tick tick tick. And as soon as I get those forms from you, I'll print them off at work tomorrow, and I'll fill them out and get them back to you ASAP as well so we can just finish that part of things. The other stuff, so the one pass stuff, I I got that email because they did that do you remember they did that full investigation? And they came up with their own decision, and, yeah, it was kinda disappointing.\n\nBut even though that was closed off months ago, I've still been charged for So I'm just yeah. Somehow mhmm. Yes. Yeah. Yeah.\n\nYeah. Okay. Yeah. Yeah. Yeah.\n\nBecause I would've sat there that would've sat there and accrued, and they're gonna wanna claim that money from me. But then, like, essentially, I I was cut off from them. So yeah. That's why I feel like there was I honestly feel like there was something more going on because of an issue that I had with the business that was attached to that business. Yeah.\n\nAnd I I honestly believe that there is some public strings being called and something very, very dodgy has happened because, like, I I genuinely, like, it was just a simple mistake, but the investigation they did on me was insane. And that was on the back of me working for Blink Property, which is affiliated with them. Yeah. And when I worked with them, is when I first got sick, and I, collapsed at work, and I went to hospital, And I was in hospital for two and a half weeks. And in that time frame, they ended my employment.\n\nThey sent one of their junior girls over to my house to collect my laptop and all my stuff. And it was just it was I I it was all out of my control, and I was too sick to deal with them. And I was like, okay. I don't have a job anymore. However, I spoke to one of the people that work at the company called Carolyn Brown, and she said to me that it's okay.\n\nWe'll work it all out. Once you're feeling better and you've got back up on your feet, you can come back to work. And and I was like, oh, sweet. So I still have a job. And so I started I was still I was getting paid paid on fortnightly on my salary, and I continue to get paid on my salary.\n\nSo I was getting payslips, and I'd sent an email, and I I had confirmation from her that that was normal. That was the process. Don't worry about it. It was good. And I got payments from them for about four and a half months, and then I got an email saying you owe us $18,000.\n\nYour employment was ceased when back in blah blah blah blah. And I said no, and here's my email thread. And then they tried to get a private investigator to come around and serve me with paperwork saying that I had to pay them back. And I said no because this is the email trail. This is the confirmation that I was told that I was supposed to receive this money.\n\nAnd then I got this really angry email from them one day saying that that I owed the money, and if I didn't come to the party and fix it, that they would find other ways to redeem the money from me and get it back. And then lo and behold, like, this has occurred. So I feel like there is something to do with that, and I don't know if it's no. No. No.\n\nBecause I had all the email trail of the conversations that I had with them, and I, like, I got somebody in legal aid to look over it, and they and then I approved that as well. And I said, look. You guys don't really have a leg stand on a contact Fair Work, and they said, hey. Actually, you've got a case that's unfair dismissal. And then all of a sudden, it disappeared because the unfair dismissal would've been a lot more than what they had paid me.\n\nAnd yeah. Yeah. But it it was a tough time because I I was really sick. I was really sick. And then, like, once I was better and I I felt I could get my life back on track, I I just I got I landed the job at Newway, and and they're they're brilliant.\n\nAnd they you know, I've I've got so much self worth because they can see what I can do, and they keep they kept promoting me and putting me up the company. And and I'm doing really, really well with them. So I just sorta went, okay. Well, that's done and dusted, and that's all over and done with. But yeah.\n\nAnd then I just I feel like this is some kinda link, and I don't know if it's from that particular person that I had was deal dealing with, who's Carolyn, or or what it is. But, like, I can't help but feel like it's something to do with that. Yeah. Well, she was part of the real estate racket. So Carolyn was part of Blink, which is Zurich, but not on the insurance side of things.\n\nSo she is affiliated with people, but she works for a different area. Yeah. So because it was all with property. Like, I was I I was just started as, like, a real estate sorta admin assistant. I wasn't even a property manager or anything like that.\n\nAnd and that was the other thing. Like, I was really pushed into doing the work of a property manager, which would have been very, very illegal as well. And I had all that record as well that they had me doing those things that I wasn't licensed to do. So that that was a big problem as well. And then I witnessed some pretty horrendous things within the company.\n\nBut I I just didn't say anything about it because I was like, oh, okay. Well, I don't I don't wanna get in trouble. I don't want them to get in trouble. So yeah. And I think, like, they knew that I knew a lot of things as well.\n\nAnd when I got sick, they kinda went, oh, here's an opportunity. We'll we'll get rid of this situation. So I think that's how it went. And yeah. I I I don't know.\n\nMaybe that's just my investigator mind. But I I honestly, I feel like that's the bigger picture and you know, because the the situation for what they've called me on for claiming insurance on a situation when I was sick, it's just they tried to say that I was a liar about my health, but in all honesty, like and what I said in my impact statement, I'm like, I I went through domestic violence and all that stuff, and I'll like, there's a lot of gaps in my memory for what's happened and what's going on and, you know, I guess that's just you suppress it. And and the more and behold, I go and get myself in another DV situation. Oh, mate. Yeah.\n\nYeah. Yeah. I just I just think that that there is there are good people in the world. I've just, like, I've always gone for pretty people, and I just need to stop doing that. Yeah.\n\nYeah. I I oh, that's right. That's it. And I'm sure one day, there'll be that someone out there, and I'll I will be happy. But right.\n\nYeah. But right now, it's like I've got there's just so much has happened. I should write a book, dude. I should write a book. I just gotta channel it.\n\nYeah. Maddie turns 21 in February. Kobe has just turned 19. And next year, Colin's turning 14 and Hendricks is turning 12. No.\n\nColin's turning 15 and Hendricks is turning 12. Yeah. Yeah. That's right. And and you know what?\n\nThey're all doing really, really well. Like, Madison's a TA, and and she's studying to become a early education primary school teacher. So she's studying, and Kobe's studying psychology at uni. Colin's IT orientated, and Hendrix wants to be a vet. And they all got their own past, and they're doing an incredible job.\n\nSo, you know, I I I feel like they all maybe done something right. Yeah. Yeah. Yeah. That's right.\n\nSo that's a good thing. But I'm sorry. I'm a hit yapping at you like you're a site like a a therapist. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yes. Mhmm.\n\nYes. Yep. Yep. Yeah. Yes.\n\nYeah. Mhmm. Yes. Yeah. So what's that mean?\n\nWhat's what what does that mean? Yeah. Yeah. Mhmm. Yeah.\n\nOkay. Yeah. Yeah. Yeah. I mean, I do wanna try try and work at the cash flow thing and maybe the patch fix is the best option at the moment.\n\nBut is that how cost effective is that? Like, what I mean, is it going to be more than $3,000 a year? Do you know what I mean? And it it's just it's something. Can I I I guess that that gives a little bit of something if something happens to me, to my family, and that's the main thing?\n\nLike, that's what I worry about most. Yeah. So, you know, I I feel like I am very well supported in my employment, which is and, you know, that's also something that might help if would it, maybe, if I could get them some rights? Something about my security and my employment, would that help with insurance or or obtaining insurance? No.\n\nOkay. I was hoping it impacted. I was hoping it would really get my friends through to me. Yeah. Yeah.\n\nIt's okay. Yeah. Yeah. Yeah. Yeah.\n\nSo will they still will they still take that money? Will they still charge me even though they've made a mistake? Okay. Alright. Awesome.\n\nAnd will so it'll the money will be charged from my super that refunded back to my super, obviously? Yeah. Awesome. Okay. Because I was like, yeah.\n\nI wanna make sure that it's going back where it needs to go because, obviously, I've taken that big chunk out recently and it's back down low again. Yeah. Yeah. Yes. Yeah.\n\nYeah. Yeah. Awesome. Okay. Yeah.\n\nOkay. Awesome. So okay. With with these options, so let's look at the patch fix until we can find something. Do you think that will come to fruition?\n\nDo you think I will find somebody who will cover me eventually? Yeah. Yeah. Yeah. Mhmm.\n\nYeah. Okay. Alright. That's okay. Obviously, it's a process, and it's gonna take time.\n\nBut if if there's the biggest thing I worry about is, like I mean, I'm not gonna end up with a parent disability, I don't think, because, like, I honestly work very office orientated in my job. And then, like, with my health, it's I've got a really good support team and, you know, like, I've had diaric support and all sorts of stuff. So, like, I've educated myself really well on just the functions of my body, which is helps my health phenomenally, which is awesome. So I think, like, that that's at a really good place at the moment, but you don't know what's gonna happen. Right?\n\nSo the essentially, like, the big thing is I worry about an accident and then something happening to me and then the kid's been left with nothing. And I think that is my biggest fear. You know, the they have that strong codependency on me, even the older ones, that they need they they need me. So that's why I'm I'm really want to ensure something's in place. And the other thing, obviously, is I I kinda need to look at my my portfolio in in what position I'm in and if I should be increasing, like, you know, the maybe into a high risk category and try and boost that or if it it's the right thing to do.\n\nI'm not sure, but I'd probably like to look at my portfolio as well and see if there's any way I can generate that to get the super growing quicker. I don't know if that's the right thing to do, but I, Yes. Yeah. Yeah. No.\n\nNot at all. So, obviously, that it was an emergency situation. It's not gonna happen again. The you know, life. Right?\n\nEssentially, like, I you know, my my income's increased, which means my super contributions are increased as well. It's fantastic. I get reviewed again in twelve months, which it'll probably jump another 10 k in twelve months' time. So I'm continuously going with the business, and the business is growing, and it's not going to slow down because it's a very long standing business that has just it it's just generating huge revenue, which is fantastic because every time the world shuts down, people want to make their yards beautiful. You know?\n\nAnd that's what New Way supplies is landscape stuff. So it's a it's a it's a baby bunnings, really. And and we've just jumped from 10 stores to 11 stores, and I take care of the operational standards of all those stores. So it's the I'm forever getting accolades from the company, so I feel like my income is only going to keep improving. So I feel like whatever super contributions going in, I'd like to try and grow it as best I can.\n\nYeah. So I'm on a 115. Yeah. Thank you. I'm I'm really happy about that.\n\nSo it it's fantastic. I'm very stoked that I got that. It well, actually, it's a 110, but because I got the five k bonus, essentially, it looks like 115. Do you know what I mean? Yeah.\n\nBut I also have, like, the perks from the company where I've got a company card, a car, and a fuel card, and all that stuff. So there that actually is such a huge impact. Yeah. Exactly right. I I have created one, and I would be really interested to also on your opinion of it.\n\nYeah. That yeah. Yeah. Well, the the little things. Yeah.\n\nI understand that. So that that'd be great if I can send that template through to you of what I've actually sorta set it for the entire financial year. So it's it's prefilled to really, really stick to it. I mean, I've added in kids' birthdays and Christmas and holidays and all sorts of stuff. So it'd be great if I could send that through and you could say, you know, you've overstepped here or you're going too high here or you're going too low here.\n\nThat that would be really, really great. Yes. Yeah. A portfolio change, like a change in. Yeah.\n\nYeah. Yeah. Yes. I'm the eldest. So my eldest daughter has made a plan, but I don't have a will.\n\nSo my eldest daughter, we had had a very, very long and lengthy conversation about it, and she and she said to me, like, that she would not let them be separated and she would want them to be she would wanna do that. And it's big gig about I mean, I become a mom when I was 20. Yeah. Yeah. I mean, Kobe's independent now too because he's 19, so he wouldn't step on her terrain.\n\nBut Madison's very switched on, and she's the only girl and the eldest and has raised, like, raised them alongside of me. She's always been the second parent because the dads are being shit. So and she's very close with all the kids. So that would be ideally where she would fight for it even if I was to put them out somewhere else. She would fight for them.\n\nSo, yeah, that that would be the plan. But I would love to do a will if you know anyone. Yeah. Excellent. Yeah.\n\nYeah. That would be awesome. And then the cost of wheels and stuff, how how does that all work? Like, are they expensive? Yeah.\n\nOkay. Alright. Cool. Yeah. So is it something that I could sit with for a while and just wait, or is it something that I should yeah.\n\nAlright. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Okay. Yeah. Yeah. Yeah.\n\nMhmm. Yeah. Okay. Yeah. Okay.\n\nAlright. That's that's concerning. I don't they've they've not they've been it's very vacant father. So I don't feel like it would be something that I would it I don't think it comes fruition because the children don't so but we don't yeah. Yeah.\n\nAwesome. That's good. And they they've really they've got good voices. So yeah. So so that's good.\n\nThat's good. That is a good thing. But it it's probably definitely something, particularly, like, if I'm I'm in this growth period at the moment, so all I wanna do is build. And, eventually, it's going to be where I expect it to be because I've got nobody holding me back anymore. So, essentially, within the next three to five years, it's probably something I'm I will go down that avenue.\n\nBut by that stage, then, you know, one of them will be old enough. The other one will be very, very powerful in his own voice. So we I probably won't have too much of an issue in that sense. Yeah. Yeah.\n\nThat's that's, yeah. That'd be great. Excellent. Yeah. Let me just check and see.\n\nAlright. I'm just gonna go calendar. Month view. Okay. So we are September 22.\n\nSo what date were you thinking? Yeah. Okay. So I am a groomsman for my best friend's wedding on that weekend, and I'm checking in on the fourteenth. So the thirteenth the evening of thirteenth would be perfect.\n\nYes, please. Alright. Excellent. That sounds fantastic. And that'll just be, like, a summary of where we're at.\n\nYeah? Alright. Perfect. Alright. Yeah.\n\nYep. Sounds fantastic. Thank you. Alright. No.\n\nAnd and with all my crazy and sensitive circumstances, I really appreciate how great you've been, so thank you very much. Alright. Well, have a have a great time off, and enjoy your tenure, and I will rendezvous with you shortly. Yeah. No.\n\nThat is good. Yeah. No. That's good. That's good.\n\nEnjoy. Alright. Thanks, Paul. Okay. Bye.","paragraphs":[{"sentences":[{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":0.39999998,"end":4.8199997,"sentiment":"neutral","sentiment_score":-0.0024351197644136846},{"text":"Thanks.","start":15.36,"end":15.86,"sentiment":"positive","sentiment_score":0.42496082186698914},{"text":"Please stay on the line.","start":16.425,"end":17.965,"sentiment":"neutral","sentiment_score":0.21810488402843475},{"text":"Hello.","start":21.785,"end":22.105,"sentiment":"neutral","sentiment_score":0.10536307096481325},{"text":"This is her.","start":22.105,"end":23.005,"sentiment":"neutral","sentiment_score":0.1167143980662028}],"sentiment":"neutral","sentiment_score":0.07430883042084482,"num_words":26,"start":0.39999998,"end":23.005},{"sentences":[{"text":"Good.","start":26.505,"end":26.744999,"sentiment":"positive","sentiment_score":0.5748887658119202},{"text":"Thank you.","start":26.744999,"end":27.224998,"sentiment":"positive","sentiment_score":0.5921732485294342},{"text":"How are you?","start":27.224998,"end":28.125,"sentiment":"neutral","sentiment_score":0.3224905530611674},{"text":"Yeah.","start":37.2,"end":37.68,"sentiment":"neutral","sentiment_score":-0.03777940571308136},{"text":"A lot a lot's going on.","start":37.68,"end":39.7,"sentiment":"neutral","sentiment_score":-0.0774040458103021}],"sentiment":"neutral","sentiment_score":0.1711156339599536,"num_words":13,"start":26.505,"end":39.7},{"sentences":[{"text":"Yeah.","start":40.32,"end":40.82,"sentiment":"neutral","sentiment_score":0.029737580567598343},{"text":"Yes.","start":46.114998,"end":46.614998,"sentiment":"neutral","sentiment_score":0.05956121534109115},{"text":"So you'd have Zoe Louise Palmer.","start":52.675,"end":54.614998,"sentiment":"neutral","sentiment_score":0.040122962246338524},{"text":"1st Of 98517 Green Crescent Mount Warren Park.","start":55.280003,"end":59.06,"sentiment":"neutral","sentiment_score":0.02637750783469528},{"text":"I've I've just changed my name back, though, so that is one thing I need to update as soon as possible.","start":61.04,"end":66.26,"sentiment":"neutral","sentiment_score":-0.08903839059972338}],"sentiment":"neutral","sentiment_score":-0.035912150554862375,"num_words":37,"start":40.32,"end":66.26},{"sentences":[{"text":"Yes.","start":68.32,"end":68.715,"sentiment":"neutral","sentiment_score":0.01578555256128311},{"text":"Yeah.","start":71.274994,"end":71.774994,"sentiment":"neutral","sentiment_score":0.043703678995370865},{"text":"Yeah.","start":73.274994,"end":73.515,"sentiment":"neutral","sentiment_score":0.007200656458735466},{"text":"Did you did you know in the research?","start":73.515,"end":75.115,"sentiment":"neutral","sentiment_score":0.00007553212344646454},{"text":"Well done.","start":75.115,"end":77.134995,"sentiment":"neutral","sentiment_score":0.08133232966065407}],"sentiment":"neutral","sentiment_score":0.01768913879417456,"num_words":13,"start":68.32,"end":77.134995},{"sentences":[{"text":"That's right.","start":81.520004,"end":82.08,"sentiment":"neutral","sentiment_score":0.00779163115657866},{"text":"Yeah.","start":82.08,"end":82.56,"sentiment":"neutral","sentiment_score":0.006676692049950361},{"text":"Yeah.","start":82.56,"end":83.06,"sentiment":"neutral","sentiment_score":0.0107047650963068},{"text":"And a a 50.","start":83.08,"end":85.54,"sentiment":"neutral","sentiment_score":0.054786679334938526},{"text":"Yes.","start":85.6,"end":86.1,"sentiment":"neutral","sentiment_score":0.2185332030057907}],"sentiment":"neutral","sentiment_score":0.0522938488672177,"num_words":9,"start":81.520004,"end":86.1},{"sentences":[{"text":"My name?","start":100.995,"end":101.735,"sentiment":"neutral","sentiment_score":-0.006027963245287538},{"text":"My address my address is still the same.","start":101.875,"end":104.055,"sentiment":"neutral","sentiment_score":-0.027609653770923615},{"text":"Mhmm.","start":104.835,"end":105.235,"sentiment":"neutral","sentiment_score":-0.013702573254704475},{"text":"Yeah.","start":105.235,"end":105.555,"sentiment":"neutral","sentiment_score":-0.00942097883671522},{"text":"So I've changed it with I've got a new driver's license.","start":105.555,"end":108.615,"sentiment":"neutral","sentiment_score":-0.0257739895446734}],"sentiment":"neutral","sentiment_score":-0.023459591032208307,"num_words":23,"start":100.995,"end":108.615},{"sentences":[{"text":"My passport's not changed.","start":108.675,"end":110.79,"sentiment":"neutral","sentiment_score":-0.13503695838153362},{"text":"It's still Stillman.","start":110.79,"end":111.67,"sentiment":"neutral","sentiment_score":-0.06917320440212886},{"text":"I never actually got around to it.","start":111.67,"end":113.11,"sentiment":"neutral","sentiment_score":-0.08876337536743709},{"text":"But my passport and my driver's license are both Stillman now.","start":113.11,"end":116.33,"sentiment":"neutral","sentiment_score":0.0017956507138230584},{"text":"I only have a digital version until I get the physical version sent out to me.","start":125.155,"end":129.795,"sentiment":"neutral","sentiment_score":0.021290324977599084}],"sentiment":"neutral","sentiment_score":-0.02460033455636443,"num_words":41,"start":108.675,"end":129.795},{"sentences":[{"text":"So that's yeah.","start":129.795,"end":131.735,"sentiment":"neutral","sentiment_score":0.15822438895702362},{"text":"Yeah.","start":132.435,"end":132.675,"sentiment":"neutral","sentiment_score":0.14808997511863708},{"text":"Of course.","start":132.675,"end":133.335,"sentiment":"neutral","sentiment_score":0.20905184745788574},{"text":"Oh, sweet.","start":145.12,"end":145.76,"sentiment":"positive","sentiment_score":0.4234229028224945},{"text":"Okay.","start":145.76,"end":146.15999,"sentiment":"positive","sentiment_score":0.4150165021419525}],"sentiment":"neutral","sentiment_score":0.25585879385471344,"num_words":9,"start":129.795,"end":146.15999},{"sentences":[{"text":"Awesome.","start":146.15999,"end":146.65999,"sentiment":"positive","sentiment_score":0.6279594898223877},{"text":"Alright.","start":147.59999,"end":148.0,"sentiment":"neutral","sentiment_score":0.1948288381099701},{"text":"I'm gonna yeah.","start":148.0,"end":156.275,"sentiment":"neutral","sentiment_score":0.1294312203923861},{"text":"Okay.","start":159.61499,"end":160.11499,"sentiment":"neutral","sentiment_score":0.28644251823425293},{"text":"Cool.","start":160.17499,"end":160.575,"sentiment":"neutral","sentiment_score":0.3263154625892639}],"sentiment":"neutral","sentiment_score":0.26054856713329044,"num_words":7,"start":146.15999,"end":160.575},{"sentences":[{"text":"I'm just writing notes as we go.","start":160.575,"end":162.9,"sentiment":"neutral","sentiment_score":0.09504238303218569},{"text":"So I don't get what I need to do.","start":162.98,"end":165.23999,"sentiment":"neutral","sentiment_score":-0.03449691583712896},{"text":"Yep.","start":171.45999,"end":171.95999,"sentiment":"neutral","sentiment_score":0.14384007453918457},{"text":"Yep.","start":184.025,"end":184.525,"sentiment":"neutral","sentiment_score":0.0962098240852356},{"text":"Yep.","start":202.41,"end":202.91,"sentiment":"neutral","sentiment_score":0.02687537670135498}],"sentiment":"neutral","sentiment_score":0.03272366915878497,"num_words":19,"start":160.575,"end":202.91},{"sentences":[{"text":"Oh, yes.","start":202.97,"end":203.53,"sentiment":"neutral","sentiment_score":0.019942890852689743},{"text":"Yeah.","start":203.53,"end":203.85,"sentiment":"neutral","sentiment_score":0.01445501483976841},{"text":"I just wanna put my kids on, like, 25% each.","start":203.85,"end":207.94499,"sentiment":"neutral","sentiment_score":0.01542216744273901},{"text":"I've got four kids.","start":207.94499,"end":209.00499,"sentiment":"neutral","sentiment_score":0.0047420474293176085},{"text":"I only had three on there.","start":209.385,"end":211.165,"sentiment":"neutral","sentiment_score":-0.09642170990506808}],"sentiment":"neutral","sentiment_score":-0.015260852119156523,"num_words":23,"start":202.97,"end":211.165},{"sentences":[{"text":"That was much to do with the, I suppose, the ex relationship.","start":211.86499,"end":215.965,"sentiment":"neutral","sentiment_score":-0.1278197622547547},{"text":"But yeah.","start":216.825,"end":217.385,"sentiment":"neutral","sentiment_score":-0.1134786531329155},{"text":"So I just need to take James off it.","start":217.385,"end":219.72499,"sentiment":"neutral","sentiment_score":-0.1739749229616589},{"text":"He's also got me as the person to contact for his stuff with you guys.","start":220.34,"end":225.38,"sentiment":"neutral","sentiment_score":-0.11506681541601817},{"text":"I need to cut that off as 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no.","start":247.995,"end":256.02,"sentiment":"neutral","sentiment_score":-0.06473693624138832}],"sentiment":"neutral","sentiment_score":-0.1127035830838558,"num_words":39,"start":234.795,"end":256.02},{"sentences":[{"text":"No.","start":256.02,"end":256.26,"sentiment":"neutral","sentiment_score":-0.12513446807861328},{"text":"He's not.","start":256.26,"end":257.08,"sentiment":"neutral","sentiment_score":-0.10138118267059326},{"text":"No.","start":257.3,"end":257.8,"sentiment":"neutral","sentiment_score":-0.101003959774971},{"text":"Not the father of any of them, and they're very happy he's gone.","start":257.86,"end":262.12,"sentiment":"neutral","sentiment_score":0.0776050964800211},{"text":"Oh, honestly, it's been a touch and breath of fresh air, and I can breathe 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now.","start":285.08002,"end":286.46002,"sentiment":"positive","sentiment_score":0.41504089832305907},{"text":"Yeah.","start":297.335,"end":297.835,"sentiment":"neutral","sentiment_score":0.32055050134658813}],"sentiment":"neutral","sentiment_score":0.21651684470248944,"num_words":33,"start":273.625,"end":297.835},{"sentences":[{"text":"Yeah.","start":298.45502,"end":298.95502,"sentiment":"neutral","sentiment_score":0.13415274024009705},{"text":"Yeah.","start":299.17502,"end":299.67502,"sentiment":"neutral","sentiment_score":0.11977219581604004},{"text":"Yeah.","start":300.055,"end":300.555,"sentiment":"neutral","sentiment_score":0.10406528413295746},{"text":"So they when so when those forms arrive, I just fill them out, send them back to you.","start":301.495,"end":307.5,"sentiment":"neutral","sentiment_score":0.12268551521831089},{"text":"And with my driver's license, I can just copy that as a link and send it to send it through to your 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larissa,@oqfinancial.com.u?","start":352.16498,"end":358.66498,"sentiment":"neutral","sentiment_score":0.03767546229064465},{"text":"I'm doing it right now.","start":359.845,"end":361.305,"sentiment":"neutral","sentiment_score":0.21774583160877228},{"text":"And I'm just gonna put the subject's system and license.","start":366.81,"end":369.39,"sentiment":"neutral","sentiment_score":0.26597785800695417},{"text":"Alright.","start":372.97,"end":373.45,"sentiment":"neutral","sentiment_score":0.2706286609172821},{"text":"That's done.","start":373.45,"end":374.27002,"sentiment":"positive","sentiment_score":0.44397053122520447}],"sentiment":"neutral","sentiment_score":0.22154151186670945,"num_words":23,"start":352.16498,"end":374.27002},{"sentences":[{"text":"Yes.","start":387.04498,"end":387.54498,"sentiment":"neutral","sentiment_score":0.05258547514677048},{"text":"Yes.","start":390.085,"end":390.585,"sentiment":"neutral","sentiment_score":0.02989441528916359},{"text":"No.","start":397.06,"end":397.46,"sentiment":"neutral","sentiment_score":-0.07300961017608643},{"text":"I still got this no.","start":397.46,"end":399.78,"sentiment":"neutral","sentiment_score":-0.07237169370055199},{"text":"Still got the same email.","start":399.78,"end":401.08,"sentiment":"neutral","sentiment_score":-0.20487332344055176}],"sentiment":"neutral","sentiment_score":-0.10590421580351315,"num_words":13,"start":387.04498,"end":401.08},{"sentences":[{"text":"Still got the same mobile phone number.","start":401.38,"end":403.38,"sentiment":"neutral","sentiment_score":-0.1944133469036647},{"text":"I'm not leaving the house.","start":403.38,"end":404.82,"sentiment":"negative","sentiment_score":-0.3801491618156433},{"text":"I got rid of him.","start":404.82,"end":405.88,"sentiment":"neutral","sentiment_score":-0.3277811825275421},{"text":"It was my house anyway.","start":406.155,"end":407.45502,"sentiment":"neutral","sentiment_score":-0.13172795474529267},{"text":"So all that is done.","start":409.435,"end":411.535,"sentiment":"neutral","sentiment_score":0.019901420921087265}],"sentiment":"neutral","sentiment_score":-0.2022102895986151,"num_words":27,"start":401.38,"end":411.535},{"sentences":[{"text":"Yeah.","start":413.355,"end":413.855,"sentiment":"neutral","sentiment_score":-0.028550053015351295},{"text":"The I think, like, that that pretty much sort of that situation anyway.","start":415.915,"end":420.655,"sentiment":"neutral","sentiment_score":-0.19381696329667017},{"text":"The only other sorry.","start":421.52,"end":423.53998,"sentiment":"neutral","sentiment_score":-0.08737339451909065},{"text":"No.","start":424.16,"end":424.4,"sentiment":"neutral","sentiment_score":-0.19519375264644623},{"text":"You go.","start":424.4,"end":424.97998,"sentiment":"neutral","sentiment_score":-0.19083033502101898}],"sentiment":"neutral","sentiment_score":-0.16545326555413858,"num_words":21,"start":413.355,"end":424.97998},{"sentences":[{"text":"The only other thing that I was I had on my list was that other stuff with one path, but we'll stick with this part.","start":425.6,"end":432.08,"sentiment":"neutral","sentiment_score":-0.15385101675987245},{"text":"What were you gonna say?","start":432.08,"end":433.3,"sentiment":"neutral","sentiment_score":-0.07725001275539398},{"text":"There was a lot of financial abuse in the relationship, and the way we cut ties, I ended up in a lot of strife financially.","start":440.135,"end":447.99503,"sentiment":"negative","sentiment_score":-0.43341887414455416},{"text":"So much so that I have entered into a pay part nine of bankruptcy.","start":449.24,"end":454.3,"sentiment":"negative","sentiment_score":-0.383870358977999},{"text":"So I've gone into a debt agreement because after what comes to fruition is he had just taken out all these paid vances, and they were in his name but attached to my account.","start":456.91998,"end":471.615,"sentiment":"neutral","sentiment_score":-0.23947416026802623}],"sentiment":"neutral","sentiment_score":-0.2775175127300244,"num_words":103,"start":425.6,"end":471.615},{"sentences":[{"text":"And he didn't pay them.","start":472.315,"end":474.94,"sentiment":"negative","sentiment_score":-0.37571191489696504},{"text":"And then there was, like, the we had a combined loan from the wedding, which is bullshit, which I've been stuck with because it's in my name.","start":475.88,"end":484.7,"sentiment":"negative","sentiment_score":-0.47505529445630534},{"text":"And I it was just he ended up picking up a really bad habit and just started hiding money and spending money, and I kept working my little ass off.","start":486.36002,"end":497.625,"sentiment":"negative","sentiment_score":-0.5014821757872899},{"text":"And my company ended up coming to the rescue and gave me a significant loan on the on the short term situation to get me out of strife, which I'm actually paying back out of my salary every fortnight, which was a interest free loan just out of the gratitude of my CEO part, which is really lucky because I had no other options.","start":498.805,"end":529.16504,"sentiment":"neutral","sentiment_score":0.26043515489436686},{"text":"But the the debt agreement also includes a Centrelink debt, which was accrued when we put our details together.","start":530.265,"end":542.43005,"sentiment":"neutral","sentiment_score":0.030006786612303632}],"sentiment":"neutral","sentiment_score":-0.086286475445176,"num_words":145,"start":472.315,"end":542.43005},{"sentences":[{"text":"And it also includes a ATO debt.","start":544.17004,"end":549.235,"sentiment":"neutral","sentiment_score":0.0027485343494585584},{"text":"So the total debt value was $46,000, but I couldn't I couldn't come up with it and I couldn't pay it.","start":550.015,"end":557.055,"sentiment":"neutral","sentiment_score":-0.13201990652652013},{"text":"So I just sent it into the agreement so I could get out of it.","start":557.055,"end":561.235,"sentiment":"neutral","sentiment_score":-0.017209415386120478},{"text":"So I'm I'm at a in a position now that I pay $400 a fortnight to pay that debt agreement off for three years, and then it sticks on my file for five is how I understand it.","start":562.93,"end":577.27,"sentiment":"neutral","sentiment_score":0.0016926965235095274},{"text":"But they said once once it's paid off, they said that there are places that because I still want desperate to buy a house.","start":577.865,"end":584.985,"sentiment":"neutral","sentiment_score":-0.10511193067456286}],"sentiment":"neutral","sentiment_score":-0.05209222281617778,"num_words":105,"start":544.17004,"end":584.985},{"sentences":[{"text":"That's what all I've been wanting to do.","start":584.985,"end":586.925,"sentiment":"neutral","sentiment_score":-0.09643705189228058},{"text":"So they said that there are places that I can get home loans through even though if I pay off all the debt and, like, at the three year mark.","start":588.185,"end":599.87,"sentiment":"neutral","sentiment_score":0.0030213235567013424},{"text":"But even though I'm still gonna listing, but I will probably talk to you guys when that time comes 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good income.","start":630.52997,"end":634.475,"sentiment":"neutral","sentiment_score":-0.019876102251665934},{"text":"And it just breaks the heart that I'm in this situation.","start":634.535,"end":637.515,"sentiment":"negative","sentiment_score":-0.5647387748414819}],"sentiment":"neutral","sentiment_score":-0.18371849372738697,"num_words":61,"start":619.64996,"end":637.515},{"sentences":[{"text":"You know?","start":637.575,"end":638.15497,"sentiment":"neutral","sentiment_score":-0.11686211079359055},{"text":"So yeah.","start":639.975,"end":641.035,"sentiment":"neutral","sentiment_score":-0.0016459194011986256},{"text":"But lesson learned.","start":642.375,"end":643.435,"sentiment":"neutral","sentiment_score":-0.021667232116063435},{"text":"Don't trust boys.","start":645.57996,"end":646.56,"sentiment":"negative","sentiment_score":-0.4463386634985606},{"text":"Yeah.","start":651.82,"end":652.32,"sentiment":"negative","sentiment_score":-0.3537653684616089}],"sentiment":"neutral","sentiment_score":-0.1813453741540963,"num_words":11,"start":637.575,"end":652.32},{"sentences":[{"text":"And involved and that's what I said, like, when, you know, I was I was really emotional when it first happened.","start":652.86,"end":658.375,"sentiment":"neutral","sentiment_score":-0.3114054791984104},{"text":"And I said to my boss, like, it's like I was sailing this yacht, and he was just riding my wave.","start":658.375,"end":662.795,"sentiment":"neutral","sentiment_score":-0.2036376233611788},{"text":"You know?","start":664.135,"end":664.795,"sentiment":"neutral","sentiment_score":-0.11723247542977333},{"text":"And it's like I've always had, like, a vision for growth, and he just was so stagnant and so stuck in being a child and drinking and partying and doing cocaine.","start":664.855,"end":677.73,"sentiment":"negative","sentiment_score":-0.3350111971939764},{"text":"And I just I I can't fathom why anybody that is a father would wanna behave like that.","start":679.63,"end":687.49506,"sentiment":"negative","sentiment_score":-0.5003222616182433}],"sentiment":"neutral","sentiment_score":-0.3273281497500276,"num_words":93,"start":652.86,"end":687.49506},{"sentences":[{"text":"So yeah.","start":688.99506,"end":691.635,"sentiment":"neutral","sentiment_score":-0.04701300151646137},{"text":"Yep.","start":691.635,"end":692.03503,"sentiment":"neutral","sentiment_score":-0.022410228848457336},{"text":"And he he has his own kids, but they won't have anything to do with him.","start":692.03503,"end":695.575,"sentiment":"neutral","sentiment_score":-0.13212258974090219},{"text":"Mhmm.","start":697.86,"end":698.36,"sentiment":"neutral","sentiment_score":-0.10780927538871764},{"text":"So, like yeah.","start":698.66,"end":700.18,"sentiment":"neutral","sentiment_score":-0.05979616194963455}],"sentiment":"neutral","sentiment_score":-0.10946067082493202,"num_words":23,"start":688.99506,"end":700.18},{"sentences":[{"text":"So when I when we separated, I obviously still see all his kids.","start":700.18,"end":704.6,"sentiment":"neutral","sentiment_score":-0.0443660831795289},{"text":"And so I've got all my kids.","start":706.26,"end":708.36,"sentiment":"neutral","sentiment_score":-0.006123287470213005},{"text":"Yeah.","start":708.66,"end":709.16,"sentiment":"neutral","sentiment_score":0.007666903547942638},{"text":"Yeah.","start":713.83496,"end":714.33496,"sentiment":"neutral","sentiment_score":-0.02142859622836113},{"text":"Yeah.","start":715.595,"end":716.095,"sentiment":"neutral","sentiment_score":-0.004794217646121979}],"sentiment":"neutral","sentiment_score":-0.02774686973703944,"num_words":23,"start":700.18,"end":716.095},{"sentences":[{"text":"That's right.","start":716.39496,"end":717.295,"sentiment":"neutral","sentiment_score":-0.006694374140352011},{"text":"So and that's the thing.","start":717.435,"end":719.75494,"sentiment":"neutral","sentiment_score":-0.029474796354770662},{"text":"So, essentially, I've I've got eight kids now, and I'm all alone.","start":719.75494,"end":724.57495,"sentiment":"neutral","sentiment_score":-0.07291511849810679},{"text":"No.","start":728.79,"end":729.02997,"sentiment":"neutral","sentiment_score":-0.03187183663249016},{"text":"It is.","start":729.02997,"end":729.43,"sentiment":"neutral","sentiment_score":0.021559996530413628}],"sentiment":"neutral","sentiment_score":-0.046567999800159174,"num_words":22,"start":716.39496,"end":729.43},{"sentences":[{"text":"It's okay.","start":729.43,"end":729.99,"sentiment":"neutral","sentiment_score":0.18526624143123627},{"text":"They're they're great kids.","start":729.99,"end":730.87,"sentiment":"positive","sentiment_score":0.5109935849905014},{"text":"They're all great kids.","start":730.87,"end":731.75,"sentiment":"positive","sentiment_score":0.535016804933548},{"text":"So it's fine.","start":731.75,"end":733.52997,"sentiment":"neutral","sentiment_score":0.28659064571062726},{"text":"I've just yeah.","start":734.31,"end":735.93,"sentiment":"neutral","sentiment_score":0.0538719967007637}],"sentiment":"positive","sentiment_score":0.3484976231120527,"num_words":16,"start":729.43,"end":735.93},{"sentences":[{"text":"One step at a time.","start":736.55,"end":738.25,"sentiment":"neutral","sentiment_score":0.018312504515051842},{"text":"But and then the other thing, I had to get emergency dental work.","start":739.02997,"end":746.885,"sentiment":"neutral","sentiment_score":-0.10970247078400391},{"text":"Obviously, it was quite a situation.","start":749.10504,"end":750.885,"sentiment":"neutral","sentiment_score":-0.14608545353015265},{"text":"So I oh, so just with the ongoing medication that I have been taking for my gut health and stuff like that and the gourd and everything that's developed over time, I my teeth got really, really brittle, but I also caught a bit of a hit to the face.","start":752.145,"end":777.155,"sentiment":"neutral","sentiment_score":-0.27606681019067764},{"text":"And, yeah, the it was it's just I'm always been very well presented, and I it was yeah.","start":778.655,"end":787.3,"sentiment":"positive","sentiment_score":0.437782335612509}],"sentiment":"neutral","sentiment_score":-0.08841674768811335,"num_words":92,"start":736.55,"end":787.3},{"sentences":[{"text":"And so I just I went down that avenue, and I got the super release so I could just get them fixed and not have any gaps in my face.","start":787.92,"end":798.26,"sentiment":"neutral","sentiment_score":0.20690570225318272},{"text":"Yeah.","start":801.485,"end":801.885,"sentiment":"neutral","sentiment_score":-0.001471150666475296},{"text":"I I 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something wrong.","start":813.25,"end":824.37006,"sentiment":"neutral","sentiment_score":-0.021537376084813365},{"text":"And I had such I had so many really good friends going.","start":824.37006,"end":828.895,"sentiment":"positive","sentiment_score":0.3716178201138973}],"sentiment":"neutral","sentiment_score":0.031179927508620656,"num_words":51,"start":805.245,"end":828.895},{"sentences":[{"text":"I is everything okay?","start":828.895,"end":830.735,"sentiment":"neutral","sentiment_score":0.3203938454389572},{"text":"Are you okay?","start":830.735,"end":831.455,"sentiment":"neutral","sentiment_score":0.15574205666780472},{"text":"Like, is there something we should be doing, or what do you want us to do?","start":831.455,"end":834.975,"sentiment":"neutral","sentiment_score":0.012613997096195817},{"text":"And they were trying to tell me for a really long time.","start":834.975,"end":837.855,"sentiment":"neutral","sentiment_score":-0.19952466959754625},{"text":"And then when we got married, it was like he didn't want anybody at the wedding, and he wanted to elope.","start":837.855,"end":847.28,"sentiment":"neutral","sentiment_score":-0.20508415216491335}],"sentiment":"neutral","sentiment_score":-0.08482924509527427,"num_words":56,"start":828.895,"end":847.28},{"sentences":[{"text":"And it was like and now I know why.","start":847.74,"end":850.46,"sentiment":"neutral","sentiment_score":-0.2515088336335288},{"text":"He he doesn't really have anybody because he needs a shit human.","start":850.46,"end":854.16,"sentiment":"negative","sentiment_score":-0.3910246938467026},{"text":"And and, you know, like, I all my friends were like, what are you doing?","start":856.72504,"end":860.585,"sentiment":"neutral","sentiment_score":-0.06903461540738741},{"text":"Why are we doing this?","start":860.72504,"end":862.085,"sentiment":"neutral","sentiment_score":-0.13299111574888228},{"text":"And it's like, yeah.","start":862.085,"end":863.205,"sentiment":"neutral","sentiment_score":0.08610961679369211}],"sentiment":"neutral","sentiment_score":-0.1847091593676143,"num_words":45,"start":847.74,"end":863.205},{"sentences":[{"text":"I'm just gonna be so lovely, and he loves me so much.","start":863.205,"end":866.425,"sentiment":"positive","sentiment_score":0.45141899089018506},{"text":"Love, bomb, bomb, bomb, bomb, bomb.","start":866.485,"end":868.025,"sentiment":"neutral","sentiment_score":0.1705522338549296},{"text":"And then the moment I had a ring on my finger, it was like I would become a possession.","start":869.76,"end":875.3,"sentiment":"neutral","sentiment_score":-0.11566569362031787},{"text":"And yeah.","start":876.88,"end":878.26,"sentiment":"neutral","sentiment_score":-0.09397510439157486},{"text":"And it was and he he got lazy and angry and violent and secretive, and then he infidelity and all sorts of 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alright.","start":979.2,"end":987.62,"sentiment":"neutral","sentiment_score":-0.009308931935164664},{"text":"Yeah.","start":990.08,"end":990.58,"sentiment":"neutral","sentiment_score":0.250569224357605}],"sentiment":"neutral","sentiment_score":-0.14029365082216613,"num_words":68,"start":958.57,"end":990.58},{"sentences":[{"text":"Yeah.","start":994.545,"end":995.045,"sentiment":"neutral","sentiment_score":0.2105940282344818},{"text":"And that that's right.","start":995.185,"end":996.485,"sentiment":"neutral","sentiment_score":0.20860041677951813},{"text":"And, you know, and it went to, like, what what the company did for me that I worked for was incredible because I was able to fix up the house because there was some damages to the house.","start":997.26495,"end":1007.48,"sentiment":"positive","sentiment_score":0.34467973756162745},{"text":"And I got rid of everything, and I did a refresh and, you know, like, it just it's a reset and a restart, and it feels like my home and my place and my safe zone again.","start":1007.48,"end":1020.06,"sentiment":"positive","sentiment_score":0.4323496951444729},{"text":"So it was that that was really good.","start":1020.19995,"end":1023.285,"sentiment":"positive","sentiment_score":0.6864039897918701}],"sentiment":"positive","sentiment_score":0.40489768592471426,"num_words":88,"start":994.545,"end":1023.285},{"sentences":[{"text":"Really, really good.","start":1023.285,"end":1024.265,"sentiment":"positive","sentiment_score":0.7416824897130331},{"text":"So yeah.","start":1025.765,"end":1026.585,"sentiment":"positive","sentiment_score":0.4648375064134598},{"text":"Yeah.","start":1027.605,"end":1028.105,"sentiment":"neutral","sentiment_score":0.25556254386901855},{"text":"Now I just gotta build it all back up again.","start":1028.965,"end":1032.905,"sentiment":"neutral","sentiment_score":0.20261029303073883},{"text":"Yeah.","start":1036.29,"end":1036.79,"sentiment":"neutral","sentiment_score":0.24895259737968445}],"sentiment":"positive","sentiment_score":0.33443179726600647,"num_words":17,"start":1023.285,"end":1036.79},{"sentences":[{"text":"Yeah.","start":1042.29,"end":1042.45,"sentiment":"neutral","sentiment_score":0.028719067573547363},{"text":"I mean, to be honest, I've I've made my own mistakes in time, and and I probably am not the best at making good choices when it comes to love because I always seem to land in a situation where I'm like, shit.","start":1042.45,"end":1054.955,"sentiment":"neutral","sentiment_score":-0.2880428967087768},{"text":"What am I gonna do now?","start":1054.955,"end":1056.1749,"sentiment":"neutral","sentiment_score":-0.28003721435864765},{"text":"But here here we are.","start":1056.5549,"end":1058.335,"sentiment":"neutral","sentiment_score":0.015556643903255462},{"text":"Yeah.","start":1061.595,"end":1062.095,"sentiment":"neutral","sentiment_score":0.14917513728141785}],"sentiment":"neutral","sentiment_score":-0.2466141146474651,"num_words":56,"start":1042.29,"end":1062.095},{"sentences":[{"text":"We'll just hope for the best, I think.","start":1062.475,"end":1065.2949,"sentiment":"neutral","sentiment_score":0.27506435103714466},{"text":"Yeah.","start":1069.2101,"end":1069.7101,"sentiment":"neutral","sentiment_score":0.0868140161037445},{"text":"Yeah.","start":1072.0901,"end":1072.41,"sentiment":"neutral","sentiment_score":0.1950734555721283},{"text":"I know.","start":1072.41,"end":1072.7301,"sentiment":"neutral","sentiment_score":0.08831173926591875},{"text":"It's pretty wild.","start":1072.7301,"end":1073.61,"sentiment":"neutral","sentiment_score":0.0126025783829391}],"sentiment":"neutral","sentiment_score":0.17978889957691233,"num_words":15,"start":1062.475,"end":1073.61},{"sentences":[{"text":"Hey.","start":1073.61,"end":1074.11,"sentiment":"neutral","sentiment_score":0.12540899217128754},{"text":"Yeah.","start":1076.41,"end":1076.91,"sentiment":"neutral","sentiment_score":0.1335548758506775},{"text":"Yeah.","start":1081.245,"end":1081.745,"sentiment":"neutral","sentiment_score":0.1914833039045334},{"text":"Well, that that's all I've I've sort of done.","start":1082.285,"end":1085.005,"sentiment":"positive","sentiment_score":0.4287547634707557},{"text":"I've reconnected with my friends, and I've been able to do things with them again and because I wasn't allowed to see them before, so that's fantastic.","start":1085.005,"end":1094.7051,"sentiment":"positive","sentiment_score":0.6200378073586358}],"sentiment":"positive","sentiment_score":0.5397502779960632,"num_words":39,"start":1073.61,"end":1094.7051},{"sentences":[{"text":"And, you know, I'm just I work quite a lot of hours.","start":1095.0851,"end":1099.86,"sentiment":"neutral","sentiment_score":0.14810578245669603},{"text":"Like, I work and I I live and breathe my job, but I I'm also my other job's been a mom, so I live and breathe that too.","start":1099.86,"end":1107.06,"sentiment":"neutral","sentiment_score":0.08032645145431161},{"text":"So I'm busy.","start":1107.06,"end":1108.04,"sentiment":"neutral","sentiment_score":-0.0939642700056235},{"text":"I'm busy now.","start":1109.38,"end":1110.4401,"sentiment":"neutral","sentiment_score":-0.049694168070952095},{"text":"Yeah.","start":1110.985,"end":1111.485,"sentiment":"neutral","sentiment_score":0.13938218355178833}],"sentiment":"neutral","sentiment_score":0.07946418935155615,"num_words":47,"start":1095.0851,"end":1111.485},{"sentences":[{"text":"Yeah.","start":1115.225,"end":1115.5449,"sentiment":"neutral","sentiment_score":0.1049474999308586},{"text":"But anyway, so that's tick tick tick.","start":1115.5449,"end":1118.605,"sentiment":"neutral","sentiment_score":0.08939045561211449},{"text":"And as soon as I get those forms from you, I'll print them off at work tomorrow, and I'll fill them out and get them back to you ASAP as well so we can just finish that part of things.","start":1119.465,"end":1130.91,"sentiment":"neutral","sentiment_score":0.17004305310547352},{"text":"The other stuff, so the one pass stuff, I I got that email because they did that do you remember they did that full investigation?","start":1132.17,"end":1140.9149,"sentiment":"neutral","sentiment_score":0.03218636780977249},{"text":"And they came up with their own decision, and, yeah, it was kinda disappointing.","start":1143.455,"end":1148.595,"sentiment":"neutral","sentiment_score":-0.20099016784557275}],"sentiment":"neutral","sentiment_score":0.06348505354989534,"num_words":87,"start":1115.225,"end":1148.595},{"sentences":[{"text":"But even though that was closed off months ago, I've still been charged for So I'm just yeah.","start":1148.735,"end":1156.3099,"sentiment":"neutral","sentiment_score":-0.19375070763958824},{"text":"Somehow mhmm.","start":1156.3099,"end":1165.0499,"sentiment":"neutral","sentiment_score":-0.12407481297850609},{"text":"Yes.","start":1172.085,"end":1172.585,"sentiment":"neutral","sentiment_score":0.09078914672136308},{"text":"Yeah.","start":1180.06,"end":1180.56,"sentiment":"neutral","sentiment_score":0.05253627896308899},{"text":"Yeah.","start":1206.1849,"end":1206.6849,"sentiment":"neutral","sentiment_score":-0.09765598177909852}],"sentiment":"neutral","sentiment_score":-0.16043447476366293,"num_words":23,"start":1148.735,"end":1206.6849},{"sentences":[{"text":"Yeah.","start":1228.035,"end":1228.535,"sentiment":"neutral","sentiment_score":-0.03698793798685074},{"text":"Okay.","start":1237.5549,"end":1238.0549,"sentiment":"neutral","sentiment_score":-0.22835597395896912},{"text":"Yeah.","start":1256.785,"end":1257.285,"sentiment":"neutral","sentiment_score":-0.1765725314617157},{"text":"Yeah.","start":1259.665,"end":1260.165,"sentiment":"neutral","sentiment_score":-0.10892880707979202},{"text":"Yeah.","start":1266.145,"end":1266.645,"sentiment":"neutral","sentiment_score":-0.0686241164803505}],"sentiment":"neutral","sentiment_score":-0.12389387339353561,"num_words":5,"start":1228.035,"end":1266.645},{"sentences":[{"text":"Because I would've sat there that would've sat there and accrued, and they're gonna wanna claim that money from me.","start":1267.185,"end":1272.94,"sentiment":"neutral","sentiment_score":-0.2769314214587212},{"text":"But then, like, essentially, I I was cut off from them.","start":1272.94,"end":1277.12,"sentiment":"negative","sentiment_score":-0.5002206645228646},{"text":"So yeah.","start":1278.46,"end":1282.3999,"sentiment":"neutral","sentiment_score":-0.26443709433078766},{"text":"That's why I feel like there was I honestly feel like there was something more going on because of an issue that I had with the business that was attached to that business.","start":1284.7749,"end":1294.875,"sentiment":"negative","sentiment_score":-0.4604637126127879},{"text":"Yeah.","start":1297.82,"end":1298.22,"sentiment":"neutral","sentiment_score":-0.06851650029420853}],"sentiment":"negative","sentiment_score":-0.40050371558363757,"num_words":67,"start":1267.185,"end":1298.22},{"sentences":[{"text":"And I I honestly believe that there is some public strings being called and something very, very dodgy has happened because, like, I I genuinely, like, it was just a simple mistake, but the investigation they did on me was insane.","start":1298.22,"end":1315.9551,"sentiment":"negative","sentiment_score":-0.4754054629948081},{"text":"And that was on the back of me working for Blink Property, which is affiliated with them.","start":1317.375,"end":1325.34,"sentiment":"neutral","sentiment_score":-0.06944205173674751},{"text":"Yeah.","start":1326.68,"end":1327.08,"sentiment":"neutral","sentiment_score":-0.04105192422866821},{"text":"And when I worked with them, is when I first got sick, and I, collapsed at work, and I went to hospital, And I was in hospital for two and a half weeks.","start":1327.08,"end":1341.155,"sentiment":"neutral","sentiment_score":-0.21483492173931815},{"text":"And in that time frame, they ended my employment.","start":1341.615,"end":1345.635,"sentiment":"neutral","sentiment_score":-0.28089430100387996}],"sentiment":"neutral","sentiment_score":-0.30030487042547455,"num_words":101,"start":1298.22,"end":1345.635},{"sentences":[{"text":"They sent one of their junior girls over to my house to collect my laptop and all my stuff.","start":1346.175,"end":1352.275,"sentiment":"negative","sentiment_score":-0.35592163393371984},{"text":"And it was just it was I I it was all out of my control, and I was too sick to deal with them.","start":1353.6,"end":1360.4,"sentiment":"negative","sentiment_score":-0.5599874556064606},{"text":"And I was like, okay.","start":1360.4,"end":1361.36,"sentiment":"negative","sentiment_score":-0.3721900522708893},{"text":"I don't have a job anymore.","start":1361.36,"end":1362.58,"sentiment":"negative","sentiment_score":-0.4485585391521454},{"text":"However, I spoke to one of the people that work at the company called Carolyn Brown, and she said to me that it's okay.","start":1363.4401,"end":1372.5751,"sentiment":"neutral","sentiment_score":0.06103596991548935}],"sentiment":"neutral","sentiment_score":-0.2985852333024526,"num_words":78,"start":1346.175,"end":1372.5751},{"sentences":[{"text":"We'll work it all out.","start":1372.5751,"end":1373.615,"sentiment":"neutral","sentiment_score":0.2403087019920349},{"text":"Once you're feeling better and you've got back up on your feet, you can come back to work.","start":1373.615,"end":1378.035,"sentiment":"neutral","sentiment_score":0.3037984006934696},{"text":"And and I was like, oh, sweet.","start":1378.3,"end":1379.8201,"sentiment":"neutral","sentiment_score":0.3053505889007023},{"text":"So I still have a job.","start":1379.8201,"end":1381.2001,"sentiment":"neutral","sentiment_score":0.2799305741985639},{"text":"And so I started I was still I was getting paid paid on fortnightly on my salary, and I continue to get paid on my salary.","start":1382.3,"end":1391.8201,"sentiment":"neutral","sentiment_score":0.08857029174955991}],"sentiment":"neutral","sentiment_score":0.20628677218431427,"num_words":62,"start":1372.5751,"end":1391.8201},{"sentences":[{"text":"So I was getting payslips, and I'd sent an email, and I I had confirmation from her that that was normal.","start":1391.8201,"end":1398.745,"sentiment":"neutral","sentiment_score":0.13816865569069273},{"text":"That was the process.","start":1398.745,"end":1399.625,"sentiment":"neutral","sentiment_score":0.1431069914251566},{"text":"Don't worry about it.","start":1399.625,"end":1400.265,"sentiment":"neutral","sentiment_score":0.24482357874512672},{"text":"It was good.","start":1400.265,"end":1401.0851,"sentiment":"positive","sentiment_score":0.5036005179087321},{"text":"And I got payments from them for about four and a half months, and then I got an email saying you owe us $18,000.","start":1401.7051,"end":1408.8451,"sentiment":"neutral","sentiment_score":-0.045650665337840714}],"sentiment":"neutral","sentiment_score":0.08693660063935178,"num_words":56,"start":1391.8201,"end":1408.8451},{"sentences":[{"text":"Your employment was ceased when back in blah blah blah blah.","start":1410.68,"end":1414.4401,"sentiment":"neutral","sentiment_score":-0.2836739041588523},{"text":"And I said no, and here's my email thread.","start":1414.4401,"end":1416.76,"sentiment":"neutral","sentiment_score":-0.09962505433294508},{"text":"And then they tried to get a private investigator to come around and serve me with paperwork saying that I had to pay them back.","start":1416.76,"end":1422.645,"sentiment":"neutral","sentiment_score":-0.24381910502910614},{"text":"And I said no because this is the email trail.","start":1422.725,"end":1425.125,"sentiment":"neutral","sentiment_score":-0.22204594910144806},{"text":"This is the confirmation that I was told that I was supposed to receive this money.","start":1425.125,"end":1429.305,"sentiment":"neutral","sentiment_score":-0.18626603949815035}],"sentiment":"neutral","sentiment_score":-0.21567932652755523,"num_words":71,"start":1410.68,"end":1429.305},{"sentences":[{"text":"And then I got this really angry email from them one day saying that that I owed the money, and if I didn't come to the party and fix it, that they would find other ways to redeem the money from me and get it back.","start":1430.165,"end":1447.2201,"sentiment":"negative","sentiment_score":-0.5574162323837695},{"text":"And then lo and behold, like, this has occurred.","start":1448.0,"end":1451.38,"sentiment":"neutral","sentiment_score":-0.2948452929655711},{"text":"So I feel like there is something to do with that, and I don't know if it's no.","start":1453.495,"end":1464.3151,"sentiment":"negative","sentiment_score":-0.46911269426345825},{"text":"No.","start":1465.76,"end":1465.9199,"sentiment":"neutral","sentiment_score":-0.23147138953208923},{"text":"No.","start":1465.9199,"end":1466.32,"sentiment":"neutral","sentiment_score":-0.2219989001750946}],"sentiment":"negative","sentiment_score":-0.4958967081705729,"num_words":75,"start":1430.165,"end":1466.32},{"sentences":[{"text":"Because I had all the email trail of the conversations that I had with them, and I, like, I got somebody in legal aid to look over it, and they and then I approved that as well.","start":1466.32,"end":1477.0399,"sentiment":"neutral","sentiment_score":-0.06668846349458436},{"text":"And I said, look.","start":1477.0399,"end":1477.6799,"sentiment":"neutral","sentiment_score":-0.0986046101897955},{"text":"You guys don't really have a leg stand on a contact Fair Work, and they said, hey.","start":1477.6799,"end":1481.465,"sentiment":"negative","sentiment_score":-0.3552100614589803},{"text":"Actually, you've got a case that's unfair dismissal.","start":1481.465,"end":1483.645,"sentiment":"negative","sentiment_score":-0.397009514272213},{"text":"And then all of a sudden, it disappeared because the unfair dismissal would've been a lot more than what they had paid me.","start":1485.865,"end":1495.97,"sentiment":"negative","sentiment_score":-0.47279080489407416}],"sentiment":"neutral","sentiment_score":-0.2578733400180099,"num_words":89,"start":1466.32,"end":1495.97},{"sentences":[{"text":"And yeah.","start":1496.99,"end":1499.73,"sentiment":"neutral","sentiment_score":-0.11688397824764252},{"text":"Yeah.","start":1499.95,"end":1500.45,"sentiment":"neutral","sentiment_score":-0.0918227955698967},{"text":"But it it was a tough time because I I was really sick.","start":1500.75,"end":1503.97,"sentiment":"negative","sentiment_score":-0.3948391034052922},{"text":"I was really sick.","start":1504.0299,"end":1505.25,"sentiment":"negative","sentiment_score":-0.5337761417031288},{"text":"And then, like, once I was better and I I felt I could get my life back on track, I I just I got I landed the job at Newway, and and they're they're brilliant.","start":1505.915,"end":1516.095,"sentiment":"neutral","sentiment_score":0.1799017967922347}],"sentiment":"neutral","sentiment_score":-0.023582559553059664,"num_words":55,"start":1496.99,"end":1516.095},{"sentences":[{"text":"And they you know, I've I've got so much self worth because they can see what I can do, and they keep they kept promoting me and putting me up the company.","start":1516.155,"end":1525.66,"sentiment":"neutral","sentiment_score":0.21698456956073642},{"text":"And and I'm doing really, really well with them.","start":1525.66,"end":1527.5,"sentiment":"positive","sentiment_score":0.5367672277821435},{"text":"So I just sorta went, okay.","start":1527.5,"end":1529.1001,"sentiment":"neutral","sentiment_score":0.08755359860757987},{"text":"Well, that's done and dusted, and that's all over and done with.","start":1529.1001,"end":1531.905,"sentiment":"neutral","sentiment_score":0.17843214174111685},{"text":"But yeah.","start":1533.105,"end":1533.985,"sentiment":"neutral","sentiment_score":0.0019664503633975983}],"sentiment":"neutral","sentiment_score":0.23680084375817267,"num_words":61,"start":1516.155,"end":1533.985},{"sentences":[{"text":"And then I just I feel like this is some kinda link, and I don't know if it's from that particular person that I had was deal dealing with, who's Carolyn, or or what it is.","start":1533.985,"end":1548.44,"sentiment":"neutral","sentiment_score":-0.12614371451652712},{"text":"But, like, I can't help but feel like it's something to do with that.","start":1548.44,"end":1553.58,"sentiment":"negative","sentiment_score":-0.3374788633414677},{"text":"Yeah.","start":1560.0751,"end":1560.5751,"sentiment":"neutral","sentiment_score":-0.028334591537714005},{"text":"Well, she was part of the real estate racket.","start":1561.755,"end":1564.335,"sentiment":"neutral","sentiment_score":-0.0825715603099929},{"text":"So Carolyn was part of Blink, which is Zurich, but not on the insurance side of things.","start":1564.395,"end":1570.715,"sentiment":"neutral","sentiment_score":-0.029296012485728544}],"sentiment":"neutral","sentiment_score":-0.13682322929818908,"num_words":77,"start":1533.985,"end":1570.715},{"sentences":[{"text":"So she is affiliated with people, but she works for a different area.","start":1570.715,"end":1576.43,"sentiment":"neutral","sentiment_score":-0.019825585902883455},{"text":"Yeah.","start":1578.25,"end":1578.75,"sentiment":"neutral","sentiment_score":-0.04153081774711609},{"text":"So because it was all with 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things that I wasn't licensed to do.","start":1600.565,"end":1606.96,"sentiment":"negative","sentiment_score":-0.5346584632283166},{"text":"So that that was a big problem as well.","start":1608.62,"end":1611.6,"sentiment":"negative","sentiment_score":-0.616167340013716},{"text":"And then I witnessed some pretty horrendous things within the company.","start":1611.98,"end":1618.895,"sentiment":"negative","sentiment_score":-0.5704562907869165}],"sentiment":"negative","sentiment_score":-0.5214296270694051,"num_words":70,"start":1589.9249,"end":1618.895},{"sentences":[{"text":"But I I just didn't say anything about it because I was like, oh, okay.","start":1619.355,"end":1623.675,"sentiment":"negative","sentiment_score":-0.4804037153720856},{"text":"Well, I don't I don't wanna get in trouble.","start":1623.675,"end":1624.955,"sentiment":"negative","sentiment_score":-0.5903511643409729},{"text":"I don't want them to get in 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okay.","start":2213.805,"end":2214.705,"sentiment":"neutral","sentiment_score":0.25400182604789734},{"text":"With with these options, so let's look at the patch fix until we can find something.","start":2215.805,"end":2220.625,"sentiment":"neutral","sentiment_score":0.13027436705306172},{"text":"Do you think that will come to fruition?","start":2221.76,"end":2224.02,"sentiment":"neutral","sentiment_score":0.21378098241984844}],"sentiment":"neutral","sentiment_score":0.17664499873561518,"num_words":28,"start":2212.7651,"end":2224.02},{"sentences":[{"text":"Do you think I will find somebody who will cover me eventually?","start":2224.08,"end":2226.82,"sentiment":"neutral","sentiment_score":0.02429582178592682},{"text":"Yeah.","start":2240.905,"end":2241.405,"sentiment":"neutral","sentiment_score":0.04020373150706291},{"text":"Yeah.","start":2252.0898,"end":2252.17,"sentiment":"neutral","sentiment_score":0.04007349908351898},{"text":"Yeah.","start":2252.17,"end":2252.67,"sentiment":"neutral","sentiment_score":0.10778146982192992},{"text":"Mhmm.","start":2261.29,"end":2261.79,"sentiment":"neutral","sentiment_score":-0.029529619961977005}],"sentiment":"neutral","sentiment_score":0.02812993386760354,"num_words":16,"start":2224.08,"end":2261.79},{"sentences":[{"text":"Yeah.","start":2274.195,"end":2274.595,"sentiment":"neutral","sentiment_score":0.06915797293186188},{"text":"Okay.","start":2274.595,"end":2275.095,"sentiment":"neutral","sentiment_score":0.0852937251329422},{"text":"Alright.","start":2275.155,"end":2275.655,"sentiment":"neutral","sentiment_score":0.14489111304283142},{"text":"That's okay.","start":2275.95,"end":2276.67,"sentiment":"neutral","sentiment_score":0.22573141008615494},{"text":"Obviously, it's a process, and it's gonna take time.","start":2276.67,"end":2279.01,"sentiment":"neutral","sentiment_score":-0.06986965818537606}],"sentiment":"neutral","sentiment_score":0.008712764829397202,"num_words":14,"start":2274.195,"end":2279.01},{"sentences":[{"text":"But if if there's the biggest thing I worry about is, like I mean, I'm not gonna end up with a parent disability, I don't think, because, like, I honestly work very office orientated in my job.","start":2279.39,"end":2293.395,"sentiment":"neutral","sentiment_score":-0.3137991712302775},{"text":"And then, like, with my health, it's I've got a really good support team and, you know, like, I've had diaric support and all sorts of stuff.","start":2294.4949,"end":2305.2148,"sentiment":"neutral","sentiment_score":0.2818246151286143},{"text":"So, like, I've educated myself really well on just the functions of my body, which is helps my health phenomenally, which is awesome.","start":2305.2148,"end":2316.16,"sentiment":"positive","sentiment_score":0.3727444546378177},{"text":"So I think, like, that that's at a really good place at the moment, but you don't know what's gonna happen.","start":2316.38,"end":2321.545,"sentiment":"neutral","sentiment_score":0.1666016514812197},{"text":"Right?","start":2322.085,"end":2322.405,"sentiment":"neutral","sentiment_score":-0.10248751938343048}],"sentiment":"neutral","sentiment_score":0.07310059533343402,"num_words":109,"start":2279.39,"end":2322.405},{"sentences":[{"text":"So the essentially, like, the big thing is I worry about an accident and then something happening to me and then the kid's been left with nothing.","start":2322.405,"end":2332.105,"sentiment":"negative","sentiment_score":-0.3835785902208752},{"text":"And I think that is my biggest fear.","start":2333.79,"end":2336.1301,"sentiment":"negative","sentiment_score":-0.464281152933836},{"text":"You know, the they have that strong codependency on me, even the older ones, that they need they they need me.","start":2336.9102,"end":2345.73,"sentiment":"negative","sentiment_score":-0.46073201866376967},{"text":"So that's why I'm I'm really want to ensure something's in place.","start":2346.605,"end":2350.305,"sentiment":"neutral","sentiment_score":-0.2415771707892418},{"text":"And the other thing, obviously, is I I kinda need to look at my my portfolio in in what position I'm in and if I should be increasing, like, you know, the maybe into a high risk category and try and boost that or if it it's the right thing to do.","start":2351.165,"end":2372.18,"sentiment":"neutral","sentiment_score":-0.1580410942148704}],"sentiment":"neutral","sentiment_score":-0.2905275541668137,"num_words":120,"start":2322.405,"end":2372.18},{"sentences":[{"text":"I'm not sure, but I'd probably like to look at my portfolio as well and see if there's any way I can generate that to get the super growing quicker.","start":2372.515,"end":2380.855,"sentiment":"neutral","sentiment_score":-0.028929863621791205},{"text":"I don't know if that's the right thing to do, but I, Yes.","start":2381.955,"end":2394.4326,"sentiment":"neutral","sentiment_score":-0.07550728693604469},{"text":"Yeah.","start":2410.645,"end":2411.145,"sentiment":"neutral","sentiment_score":-0.02165696397423744},{"text":"Yeah.","start":2411.205,"end":2411.705,"sentiment":"neutral","sentiment_score":-0.03910354524850845},{"text":"No.","start":2415.1199,"end":2415.2,"sentiment":"neutral","sentiment_score":-0.17255868017673492}],"sentiment":"neutral","sentiment_score":-0.04527847452656082,"num_words":46,"start":2372.515,"end":2415.2},{"sentences":[{"text":"Not at all.","start":2415.2,"end":2415.8398,"sentiment":"neutral","sentiment_score":-0.1690975030263265},{"text":"So, obviously, that it was an emergency situation.","start":2415.8398,"end":2419.38,"sentiment":"neutral","sentiment_score":0.06784665677696466},{"text":"It's not gonna happen again.","start":2420.4,"end":2421.94,"sentiment":"neutral","sentiment_score":-0.15321506410837174},{"text":"The you know, life.","start":2423.2,"end":2425.76,"sentiment":"neutral","sentiment_score":-0.028684529475867748},{"text":"Right?","start":2425.76,"end":2426.26,"sentiment":"neutral","sentiment_score":0.02797079086303711}],"sentiment":"neutral","sentiment_score":-0.03892199535455022,"num_words":21,"start":2415.2,"end":2426.26},{"sentences":[{"text":"Essentially, like, I you know, my my income's increased, which means my super contributions are increased as well.","start":2427.28,"end":2435.485,"sentiment":"neutral","sentiment_score":0.19778301691015562},{"text":"It's fantastic.","start":2437.225,"end":2438.045,"sentiment":"positive","sentiment_score":0.8073618412017822},{"text":"I get reviewed again in twelve months, which it'll probably jump another 10 k in twelve months' time.","start":2438.105,"end":2443.085,"sentiment":"positive","sentiment_score":0.385669518676069},{"text":"So I'm continuously going with the business, and the business is growing, and it's not going to slow down because it's a very long standing business that has just it it's just generating huge revenue, which is fantastic because every time the world shuts down, people want to make their yards beautiful.","start":2443.38,"end":2463.5552,"sentiment":"positive","sentiment_score":0.5981020990472573},{"text":"You know?","start":2463.935,"end":2464.5151,"sentiment":"neutral","sentiment_score":0.2715503051877022}],"sentiment":"positive","sentiment_score":0.47566607699769997,"num_words":92,"start":2427.28,"end":2464.5151},{"sentences":[{"text":"And that's what New Way supplies is landscape stuff.","start":2464.735,"end":2468.39,"sentiment":"neutral","sentiment_score":0.3160206774870555},{"text":"So it's a it's a it's a baby bunnings, really.","start":2469.0898,"end":2473.51,"sentiment":"positive","sentiment_score":0.37466528117656706},{"text":"And and we've just jumped from 10 stores to 11 stores, and I take care of the operational standards of all those stores.","start":2474.0498,"end":2482.69,"sentiment":"neutral","sentiment_score":0.23698602422423984},{"text":"So it's the I'm forever getting accolades from the company, so I feel like my income is only going to keep improving.","start":2482.69,"end":2492.745,"sentiment":"positive","sentiment_score":0.5068966394120996},{"text":"So I feel like whatever super contributions going in, I'd like to try and grow it as best I can.","start":2492.965,"end":2498.105,"sentiment":"positive","sentiment_score":0.4503982663154602}],"sentiment":"positive","sentiment_score":0.3833477245200248,"num_words":84,"start":2464.735,"end":2498.105},{"sentences":[{"text":"Yeah.","start":2503.47,"end":2503.8699,"sentiment":"neutral","sentiment_score":0.012969035655260086},{"text":"So I'm on a 115.","start":2503.8699,"end":2505.73,"sentiment":"neutral","sentiment_score":0.02402848294004798},{"text":"Yeah.","start":2508.19,"end":2508.5898,"sentiment":"neutral","sentiment_score":0.1771448403596878},{"text":"Thank you.","start":2508.5898,"end":2509.3298,"sentiment":"positive","sentiment_score":0.46114255487918854},{"text":"I'm I'm really happy about that.","start":2510.1099,"end":2511.97,"sentiment":"positive","sentiment_score":0.5779529313246409}],"sentiment":"neutral","sentiment_score":0.313350599228094,"num_words":15,"start":2503.47,"end":2511.97},{"sentences":[{"text":"So it it's fantastic.","start":2512.955,"end":2515.375,"sentiment":"positive","sentiment_score":0.7003730833530426},{"text":"I'm very stoked that I got that.","start":2515.595,"end":2518.415,"sentiment":"positive","sentiment_score":0.5979741215705872},{"text":"It well, actually, it's a 110, but because I got the five k bonus, essentially, it looks like 115.","start":2518.635,"end":2526.095,"sentiment":"neutral","sentiment_score":0.16383381932973862},{"text":"Do you know what I mean?","start":2527.8599,"end":2528.92,"sentiment":"neutral","sentiment_score":0.032046232372522354},{"text":"Yeah.","start":2530.42,"end":2530.5798,"sentiment":"neutral","sentiment_score":0.14838537573814392}],"sentiment":"neutral","sentiment_score":0.28218423031471873,"num_words":37,"start":2512.955,"end":2530.5798},{"sentences":[{"text":"But I also have, like, the perks from the company where I've got a company card, a car, and a fuel card, and all that stuff.","start":2530.5798,"end":2539.22,"sentiment":"neutral","sentiment_score":0.19340911679542983},{"text":"So there that actually is such a huge impact.","start":2539.22,"end":2544.275,"sentiment":"neutral","sentiment_score":0.154280386865139},{"text":"Yeah.","start":2545.295,"end":2545.795,"sentiment":"neutral","sentiment_score":0.04600228369235992},{"text":"Exactly right.","start":2545.935,"end":2546.995,"sentiment":"neutral","sentiment_score":0.05535849370062351},{"text":"I I have created one, and I would be really interested to also on your opinion of it.","start":2557.5898,"end":2564.25,"sentiment":"neutral","sentiment_score":0.08219795384340817}],"sentiment":"neutral","sentiment_score":0.14381148140611394,"num_words":56,"start":2530.5798,"end":2564.25},{"sentences":[{"text":"Yeah.","start":2568.465,"end":2568.965,"sentiment":"neutral","sentiment_score":0.09253758192062378},{"text":"That yeah.","start":2570.3052,"end":2575.925,"sentiment":"neutral","sentiment_score":0.10267391614615917},{"text":"Yeah.","start":2576.865,"end":2577.365,"sentiment":"neutral","sentiment_score":0.06258916854858398},{"text":"Well, the the little 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will.","start":2665.37,"end":2669.87,"sentiment":"neutral","sentiment_score":-0.07606322730758361}],"sentiment":"neutral","sentiment_score":-0.04456134365173057,"num_words":20,"start":2642.0698,"end":2669.87},{"sentences":[{"text":"So my eldest daughter, we had had a very, very long and lengthy conversation about it, and she and she said to me, like, that she would not let them be separated and she would want them to be she would wanna do that.","start":2670.81,"end":2685.7449,"sentiment":"neutral","sentiment_score":-0.00926792308349501},{"text":"And it's big gig about I mean, I become a mom when I was 20.","start":2685.7449,"end":2689.6848,"sentiment":"neutral","sentiment_score":0.02092989577601353},{"text":"Yeah.","start":2691.9849,"end":2692.32,"sentiment":"neutral","sentiment_score":-0.013968560844659804},{"text":"Yeah.","start":2694.8,"end":2695.3,"sentiment":"neutral","sentiment_score":0.003315204754471779},{"text":"I mean, Kobe's independent now too because he's 19, so he 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they've really they've got good voices.","start":2895.045,"end":2897.7048,"sentiment":"neutral","sentiment_score":0.2919074837118387},{"text":"So yeah.","start":2899.845,"end":2902.7449,"sentiment":"neutral","sentiment_score":0.2907974496483803},{"text":"So so that's good.","start":2902.805,"end":2903.925,"sentiment":"positive","sentiment_score":0.6942808479070663}],"sentiment":"positive","sentiment_score":0.43028661608695984,"num_words":17,"start":2893.71,"end":2903.925},{"sentences":[{"text":"That's good.","start":2903.925,"end":2904.4849,"sentiment":"positive","sentiment_score":0.7799897193908691},{"text":"That is a good thing.","start":2904.4849,"end":2905.365,"sentiment":"positive","sentiment_score":0.7201918959617615},{"text":"But it it's probably definitely something, particularly, like, if I'm I'm in this growth period at the moment, so all I wanna do is build.","start":2905.365,"end":2913.08,"sentiment":"neutral","sentiment_score":0.07352716863155365},{"text":"And, eventually, it's going to be where I expect it to be because I've got nobody holding me back anymore.","start":2913.22,"end":2919.4001,"sentiment":"neutral","sentiment_score":-0.022291332110762598},{"text":"So, essentially, within the next three to five years, it's probably something I'm I will go down that avenue.","start":2920.695,"end":2926.235,"sentiment":"neutral","sentiment_score":-0.01865109955695899}],"sentiment":"neutral","sentiment_score":0.0873087408532664,"num_words":71,"start":2903.925,"end":2926.235},{"sentences":[{"text":"But by that stage, then, you know, one of them will be old enough.","start":2926.615,"end":2929.7551,"sentiment":"neutral","sentiment_score":-0.02309574998383011},{"text":"The other one will be very, very powerful in his own voice.","start":2930.0552,"end":2934.27,"sentiment":"neutral","sentiment_score":0.07891997291396062},{"text":"So we I probably won't have too much of an issue in that sense.","start":2934.51,"end":2937.8901,"sentiment":"neutral","sentiment_score":-0.05562061869672367},{"text":"Yeah.","start":2946.67,"end":2947.17,"sentiment":"neutral","sentiment_score":0.08132539689540863},{"text":"Yeah.","start":2947.23,"end":2947.71,"sentiment":"neutral","sentiment_score":0.08994591236114502}],"sentiment":"neutral","sentiment_score":0.00038766244515067055,"num_words":42,"start":2926.615,"end":2947.71},{"sentences":[{"text":"That's that's, yeah.","start":2947.71,"end":2949.5452,"sentiment":"neutral","sentiment_score":0.20364216963450113},{"text":"That'd be great.","start":2949.5452,"end":2950.685,"sentiment":"positive","sentiment_score":0.6052283843358358},{"text":"Excellent.","start":2950.8252,"end":2951.3252,"sentiment":"positive","sentiment_score":0.6693123579025269},{"text":"Yeah.","start":2956.0251,"end":2956.5251,"sentiment":"neutral","sentiment_score":0.030070241540670395},{"text":"Let me just check and see.","start":2981.2148,"end":2984.4348,"sentiment":"neutral","sentiment_score":0.02700481719026963}],"sentiment":"neutral","sentiment_score":0.23485879746398755,"num_words":14,"start":2947.71,"end":2984.4348},{"sentences":[{"text":"Alright.","start":2986.575,"end":2987.075,"sentiment":"neutral","sentiment_score":0.05013788864016533},{"text":"I'm just gonna go calendar.","start":2988.095,"end":2989.635,"sentiment":"neutral","sentiment_score":0.03599024638533592},{"text":"Month view.","start":2992.87,"end":2993.93,"sentiment":"neutral","sentiment_score":0.016073747538030148},{"text":"Okay.","start":2994.31,"end":2994.71,"sentiment":"neutral","sentiment_score":0.02347271516919136},{"text":"So we are September 22.","start":2994.71,"end":2998.4897,"sentiment":"neutral","sentiment_score":0.021215318515896798}],"sentiment":"neutral","sentiment_score":0.02798470881368433,"num_words":14,"start":2986.575,"end":2998.4897},{"sentences":[{"text":"So what date were you thinking?","start":3004.885,"end":3007.2249,"sentiment":"neutral","sentiment_score":0.0215063722183307},{"text":"Yeah.","start":3012.4849,"end":3012.885,"sentiment":"neutral","sentiment_score":0.07343140244483948},{"text":"Okay.","start":3012.885,"end":3013.285,"sentiment":"neutral","sentiment_score":0.09850254654884338},{"text":"So I am a groomsman for my best friend's wedding on that weekend, and I'm checking in on the fourteenth.","start":3013.285,"end":3022.61,"sentiment":"neutral","sentiment_score":0.1183722760528326},{"text":"So the thirteenth the evening of thirteenth would be perfect.","start":3022.67,"end":3025.73,"sentiment":"neutral","sentiment_score":0.30732176303863523}],"sentiment":"neutral","sentiment_score":0.15109566667754398,"num_words":38,"start":3004.885,"end":3025.73},{"sentences":[{"text":"Yes, please.","start":3029.87,"end":3030.77,"sentiment":"neutral","sentiment_score":0.15915104746818542},{"text":"Alright.","start":3038.405,"end":3038.805,"sentiment":"positive","sentiment_score":0.4311046004295349},{"text":"Excellent.","start":3038.805,"end":3039.305,"sentiment":"positive","sentiment_score":0.8129210472106934},{"text":"That sounds fantastic.","start":3039.445,"end":3040.5051,"sentiment":"positive","sentiment_score":0.8618340293566386},{"text":"And that'll just be, like, a summary of where we're at.","start":3040.645,"end":3043.285,"sentiment":"positive","sentiment_score":0.5084889856251803}],"sentiment":"positive","sentiment_score":0.5411782595846388,"num_words":18,"start":3029.87,"end":3043.285},{"sentences":[{"text":"Yeah?","start":3043.285,"end":3043.785,"sentiment":"neutral","sentiment_score":0.24366141855716705},{"text":"Alright.","start":3045.1199,"end":3045.44,"sentiment":"neutral","sentiment_score":0.3142656683921814},{"text":"Perfect.","start":3045.44,"end":3045.94,"sentiment":"positive","sentiment_score":0.5461151003837585},{"text":"Alright.","start":3046.72,"end":3047.22,"sentiment":"neutral","sentiment_score":0.2620830535888672},{"text":"Yeah.","start":3049.8398,"end":3050.3398,"sentiment":"neutral","sentiment_score":0.09707286953926086}],"sentiment":"neutral","sentiment_score":0.29263962209224703,"num_words":5,"start":3043.285,"end":3050.3398},{"sentences":[{"text":"Yep.","start":3059.195,"end":3059.695,"sentiment":"neutral","sentiment_score":0.17540398240089417},{"text":"Sounds fantastic.","start":3070.235,"end":3071.295,"sentiment":"positive","sentiment_score":0.7948764562606812},{"text":"Thank you.","start":3071.595,"end":3072.415,"sentiment":"positive","sentiment_score":0.7111487090587616},{"text":"Alright.","start":3074.84,"end":3075.34,"sentiment":"neutral","sentiment_score":0.0930614173412323},{"text":"No.","start":3076.4402,"end":3076.84,"sentiment":"neutral","sentiment_score":0.0659399926662445}],"sentiment":"positive","sentiment_score":0.4780651032924652,"num_words":7,"start":3059.195,"end":3076.84},{"sentences":[{"text":"And and with all my crazy and sensitive circumstances, I really appreciate how great you've been, so thank you very much.","start":3076.84,"end":3085.575,"sentiment":"positive","sentiment_score":0.40814829901570365},{"text":"Alright.","start":3094.295,"end":3094.795,"sentiment":"neutral","sentiment_score":0.2670636773109436},{"text":"Well, have a have a great time off, and enjoy your tenure, and I will rendezvous with you shortly.","start":3095.095,"end":3102.17,"sentiment":"positive","sentiment_score":0.49475278352436264},{"text":"Yeah.","start":3106.55,"end":3106.95,"sentiment":"neutral","sentiment_score":-0.09432655572891235},{"text":"No.","start":3106.95,"end":3107.45,"sentiment":"neutral","sentiment_score":-0.1944701373577118}],"sentiment":"positive","sentiment_score":0.41743451512830204,"num_words":43,"start":3076.84,"end":3107.45},{"sentences":[{"text":"That is good.","start":3107.59,"end":3108.57,"sentiment":"neutral","sentiment_score":-0.061484381556510925},{"text":"Yeah.","start":3108.95,"end":3109.45,"sentiment":"neutral","sentiment_score":0.08512880653142929},{"text":"No.","start":3109.51,"end":3109.67,"sentiment":"neutral","sentiment_score":0.04653998836874962},{"text":"That's good.","start":3109.67,"end":3110.23,"sentiment":"positive","sentiment_score":0.3564744293689728},{"text":"That's good.","start":3110.23,"end":3111.05,"sentiment":"positive","sentiment_score":0.5667548775672913}],"sentiment":"neutral","sentiment_score":0.19929714045590824,"num_words":9,"start":3107.59,"end":3111.05},{"sentences":[{"text":"Enjoy.","start":3111.43,"end":3111.93,"sentiment":"positive","sentiment_score":0.4715801477432251},{"text":"Alright.","start":3115.605,"end":3116.005,"sentiment":"neutral","sentiment_score":0.11075230687856674},{"text":"Thanks, Paul.","start":3116.005,"end":3116.565,"sentiment":"positive","sentiment_score":0.37609899044036865},{"text":"Okay.","start":3116.565,"end":3116.9648,"sentiment":"neutral","sentiment_score":0.17312487959861755},{"text":"Bye.","start":3116.9648,"end":3117.4648,"sentiment":"neutral","sentiment_score":0.1403280794620514}],"sentiment":"neutral","sentiment_score":0.27466389909386635,"num_words":6,"start":3111.43,"end":3117.4648}]}}]}],"paragraphs":{"transcript":"\nChannel 1: If you record your name and reason for calling, I'll see if this person is available.\n\nChannel 0: Larissa or Q Financial.\n\nChannel 1: Thanks. Please stay on the line. Hello. This is her.\n\nChannel 0: Hi, Zoe. Larissa from. How are you going?\n\nChannel 1: Good. Thank you. How are you?\n\nChannel 0: Yeah. Good. Good. The team's put some notes on your file, and I just saw you've had you got a bit going on, though.\n\nChannel 1: Yeah. A lot a lot's going on.\n\nChannel 0: Alright.\n\nChannel 1: Yeah.\n\nChannel 0: Well, let's jump into it. Before we do, though, I do need to let you know our call is recorded and\n\nChannel 1: Yes.\n\nChannel 0: just get you confirmed security for me. It's full name, date of birth, and address that I would have on file.\n\nChannel 1: So you'd have Zoe Louise Palmer.\n\nChannel 0: Yep.\n\nChannel 1: 1st Of 98517 Green Crescent Mount Warren Park.\n\nChannel 0: Perfect. Okay.\n\nChannel 1: I've\n\nChannel 0: So\n\nChannel 1: I've just changed my name back, though, so that is one thing I need to update as soon as possible.\n\nChannel 0: cool. So where's Stillman?\n\nChannel 1: Yes.\n\nChannel 0: See? Look how good I did. I thought\n\nChannel 1: Yeah.\n\nChannel 0: I remembered seeing your name.\n\nChannel 1: Yeah. Did you did you know in the research? Well\n\nChannel 0: Yeah.\n\nChannel 1: done.\n\nChannel 0: Got it. Got it. Got it. Alright. It's s t I, l l, m a n?\n\nChannel 1: That's\n\nChannel 0: M a\n\nChannel 1: right.\n\nChannel 0: n?\n\nChannel 1: Yeah.\n\nChannel 0: M\n\nChannel 1: Yeah.\n\nChannel 0: a n.\n\nChannel 1: And\n\nChannel 0: Yep.\n\nChannel 1: a a\n\nChannel 0: Cool.\n\nChannel 1: 50. Yes.\n\nChannel 0: Amazing. Oh, I can get that done. Have you like, through what channels through what channels have you changed your address?\n\nChannel 1: My name? My address\n\nChannel 0: Yes.\n\nChannel 1: my address\n\nChannel 0: Yes.\n\nChannel 1: is\n\nChannel 0: Sorry.\n\nChannel 1: still the same.\n\nChannel 0: Your your name.\n\nChannel 1: Mhmm. Yeah. So I've changed it with I've got a new driver's license. My passport's not changed. It's still Stillman.\n\nI never actually got around to it. But my\n\nChannel 0: Cool.\n\nChannel 1: passport and my driver's license are both Stillman now.\n\nChannel 0: Hi. Cool. Amazing. So if you're able to send me a photo of your ID\n\nChannel 1: I only have a digital version until I get the physical version sent out to me. So\n\nChannel 0: That's\n\nChannel 1: that's\n\nChannel 0: so\n\nChannel 1: yeah.\n\nChannel 0: fine. That's actually\n\nChannel 1: Yeah. Of\n\nChannel 0: fine.\n\nChannel 1: course.\n\nChannel 0: Yeah. Absolutely. You can there there's a there's a share link and stuff on the on the web we do these things and stuff through the app. You can you can download a copy and share it that way, so that's fine.\n\nChannel 1: Oh, sweet. Okay. Awesome.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Alright.\n\nChannel 0: If\n\nChannel 1: I'm\n\nChannel 0: you log\n\nChannel 1: gonna\n\nChannel 0: in to the yeah. If you log in to the app, you can I think it's, like, the top right hand corner or something? There's, like, a a way to share it, and it's,\n\nChannel 1: yeah.\n\nChannel 0: like, a downloadable PDF, and you can email that through. That's perfect.\n\nChannel 1: Okay. Cool. I'm just writing notes as we go. So I don't get what I need to do.\n\nChannel 0: Perfect. So that will take care of that side of things to update\n\nChannel 1: Yep.\n\nChannel 0: your name, and then I believe the team sent you out a new beneficiary form and a change of details form. So if those ones are being sent to you, that's fine.\n\nChannel 1: Yep.\n\nChannel 0: Because what will happen is with the the ID that's there, we can change the name back so the account will settle into Stillman, which takes care of that side of things. Beneficiaries wise, I guess, do you know who you're\n\nChannel 1: Yep.\n\nChannel 0: nominating?\n\nChannel 1: Oh, yes. Yeah. I just wanna put my kids on, like, 25% each. I've got four kids.\n\nChannel 0: Yes.\n\nChannel 1: I only had three on there. That was much to do with the, I suppose, the ex relationship. But yeah. So I just need to take James off it.\n\nChannel 0: Yeah.\n\nChannel 1: He's also got me as the person to contact for his stuff with you guys. I need to cut that off as well.\n\nChannel 0: Nope. That's okay. I will remove any authority for us to contact on, like, you on his behalf, that server.\n\nChannel 1: Yeah. Awesome. Because he when he signed up with Oakview, he put me as his authority to talk and liaise and do everything for him.\n\nChannel 0: Yeah.\n\nChannel 1: And I just don't want anything to do with him ever again. So\n\nChannel 0: Fair. Absolutely fair. Because he's correct me if I'm wrong. He's not the father of any of your kids?\n\nChannel 1: no. No. He's\n\nChannel 0: Yeah.\n\nChannel 1: not. No.\n\nChannel 0: Yeah.\n\nChannel 1: Not\n\nChannel 0: Okay.\n\nChannel 1: the father\n\nChannel 0: Cool.\n\nChannel 1: of any of them, and they're very happy he's gone.\n\nChannel 0: Much happier household then.\n\nChannel 1: Oh, honestly, it's been a touch and breath of fresh air, and I can breathe again. Just it it's actually really, really good. Yeah. I was so sick of pretending that everything was okay and making putting on a happy face and yeah. It's so much better now.\n\nChannel 0: That's good. I'm so glad that that it's easier for you guys\n\nChannel 1: Yeah.\n\nChannel 0: as a team.\n\nChannel 1: Yeah. Yeah. Yeah. So they when so when those forms arrive, I just fill them out, send them back to you. And with my driver's license, I can just copy that as a link and send it to send it through to your\n\nChannel 0: Yes.\n\nChannel 1: email?\n\nChannel 0: Yeah.\n\nChannel 1: Alright.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Cool.\n\nChannel 0: So I'll at the end of this call, I'll send you an email with anything that's outstanding. I'll also reattach\n\nChannel 1: Awesome.\n\nChannel 0: those documents for you. So the beneficiary nomination form and the change in name form as well. So that way, it's all in one email line. It comes straight back to me. Yep.\n\nSo that way, it's just it's consolidated a little bit. I know you've gotten it from a couple of different sources, but I'll just\n\nChannel 1: Yeah.\n\nChannel 0: send them through again. And then that will enable me to change everything. What I'll do with your ID is I'll put it through a ID verification just to make sure it's a valid ID. So it just it's literally a portal that allows us to double check with TMR,\n\nChannel 1: Cool.\n\nChannel 0: transport\n\nChannel 1: So\n\nChannel 0: main\n\nChannel 1: you\n\nChannel 0: roads. And get\n\nChannel 1: are larissa,\n\nChannel 0: you there.\n\nChannel 1: larissa,@oqfinancial.com.u?\n\nChannel 0: Correct.\n\nChannel 1: I'm doing it right now.\n\nChannel 0: Oh, well done. Easy.\n\nChannel 1: And I'm just gonna put the subject's system and license. Alright. That's done.\n\nChannel 0: Perfect. And then the change of name form and the beneficiary form, they need to be printed, signed, scanned back.\n\nChannel 1: Yes.\n\nChannel 0: Because it has to be pen to paper.\n\nChannel 1: Yes.\n\nChannel 0: Now I wanna double check. Has your email address or anything like that changed?\n\nChannel 1: No.\n\nChannel 0: Are\n\nChannel 1: I\n\nChannel 0: you intending\n\nChannel 1: still got this\n\nChannel 0: on changing it?\n\nChannel 1: no.\n\nChannel 0: No.\n\nChannel 1: Still got the same email. Still got the same mobile phone number. I'm not leaving the house. I got rid of him. It was my\n\nChannel 0: Yep.\n\nChannel 1: house anyway.\n\nChannel 0: Yep.\n\nChannel 1: So all that is done.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. The I think, like, that that pretty much sort of that situation anyway.\n\nChannel 0: Have\n\nChannel 1: The only\n\nChannel 0: you\n\nChannel 1: other\n\nChannel 0: guys yes.\n\nChannel 1: sorry.\n\nChannel 0: Sorry. No.\n\nChannel 1: No.\n\nChannel 0: No.\n\nChannel 1: You go.\n\nChannel 0: You got it.\n\nChannel 1: The only other thing that I was I had on my list was that other stuff with one path, but we'll stick with this part. What were you gonna say?\n\nChannel 0: Have you guys gone through financial separation, or is there any finances that you need to separate at all?\n\nChannel 1: There was a lot of financial abuse in the relationship, and the way we\n\nChannel 0: Yeah.\n\nChannel 1: cut ties, I ended up in a lot of strife financially. So much so that I have entered into a pay part nine of bankruptcy.\n\nChannel 0: Yep.\n\nChannel 1: So I've gone into a debt agreement\n\nChannel 0: Yep.\n\nChannel 1: because after what comes to fruition is he had just taken out all these paid vances, and they were in his name but attached to my account. And\n\nChannel 0: Yep.\n\nChannel 1: he didn't pay them. And then there was, like, the we had a combined loan from the wedding, which is bullshit, which I've been stuck with because it's in my name. And I it was just he ended up picking up a really bad habit and just started hiding money and spending money, and I kept working my little ass off. And my company ended up coming to the rescue and gave me a significant loan on the on the short term situation to get me out of strife, which I'm actually paying back out of my salary every fortnight, which was a interest free loan just out of the gratitude of my CEO\n\nChannel 0: Yep.\n\nChannel 1: part,\n\nChannel 0: Yeah. Yep.\n\nChannel 1: which is really lucky because I had no other options. But\n\nChannel 0: Yep.\n\nChannel 1: the the debt agreement also includes a Centrelink debt, which was accrued when we put our details together. And it also includes a ATO debt. So the total debt value was $46,000, but I couldn't I couldn't come up with it and I couldn't pay it. So I just sent it into the agreement so I could get out of it.\n\nChannel 0: Yep. Okay.\n\nChannel 1: So I'm I'm at a in a position now that I pay $400 a fortnight\n\nChannel 0: Yep.\n\nChannel 1: to pay that debt agreement off for three years, and then it sticks on my file for five is how I understand it. But they\n\nChannel 0: Okay.\n\nChannel 1: said once once it's paid off, they said that there are places that because I still want desperate to buy a house. That's what all I've been wanting to do.\n\nChannel 0: Yeah.\n\nChannel 1: So they said that there are places that I can get home loans through even though if I pay off all the debt and, like, at the three year mark. But even though I'm still gonna listing, but I will probably talk to you guys when that time comes anyway.\n\nChannel 0: Yep. Yeah. No. I have I have brokers that I've dealt with that have definitely helped people out post a debt night, like, part night agreement.\n\nChannel 1: Yeah.\n\nChannel 0: So it I mean, it does hit your credit rating, obviously, but,\n\nChannel 1: Yeah.\n\nChannel 0: no, it's not it's not impossible to do. Not at\n\nChannel 1: Yeah. It's a shame because, like, I all that stuff happened with the breakup, and the company helped me. And then they gave me quite a significant pay rise, and then they gave me a bonus. So, like, I'm I've hit 6 figures\n\nChannel 0: all.\n\nChannel 1: now, and I'm on really good income. And it just breaks the heart that I'm in this situation. You know?\n\nChannel 0: Yeah. Where you're\n\nChannel 1: So yeah. But lesson learned.\n\nChannel 0: at.\n\nChannel 1: Don't trust boys.\n\nChannel 0: No. No. No. I've not at all.\n\nChannel 1: Yeah.\n\nChannel 0: Boys suck.\n\nChannel 1: And involved and that's what I said, like, when, you know, I was I was really emotional when it first happened. And I said to my boss, like, it's like I was sailing this yacht, and he was just riding my wave.\n\nChannel 0: Yeah.\n\nChannel 1: You know? And it's like I've always had, like, a vision for growth, and he just was so stagnant and so stuck in being a child and drinking and partying and doing cocaine. And I just I I can't fathom why anybody that is a father would wanna behave like that. So\n\nChannel 0: Does he have his own\n\nChannel 1: yeah.\n\nChannel 0: kids?\n\nChannel 1: Yep. And he he has his own kids, but they won't have anything to do with him.\n\nChannel 0: Because of lifestyle\n\nChannel 1: Mhmm.\n\nChannel 0: and\n\nChannel 1: So,\n\nChannel 0: choices.\n\nChannel 1: like yeah. So when I when we separated, I obviously still see all his kids.\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: Because\n\nChannel 1: so\n\nChannel 0: you\n\nChannel 1: I've\n\nChannel 0: will\n\nChannel 1: got\n\nChannel 0: forever\n\nChannel 1: all my\n\nChannel 0: be\n\nChannel 1: kids.\n\nChannel 0: mom.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. You you will forever be a maternal figure. They've like, they they obviously have their own mom, but you're\n\nChannel 1: Yeah.\n\nChannel 0: a maternal figure to them. You're another parent.\n\nChannel 1: Yeah. That's right. So and that's the thing. So, essentially, I've I've got eight kids now, and I'm all alone.\n\nChannel 0: That's okay.\n\nChannel 1: No. It is. It's okay. They're they're great kids. They're all great kids.\n\nSo it's fine. I've just yeah. One step at a time. But and then the other thing, I had to get emergency dental work. Obviously, it was quite a situation.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: What\n\nChannel 1: I\n\nChannel 0: happened?\n\nChannel 1: oh, so just with the ongoing medication that I have been taking for my gut health and stuff like that and the gourd and everything that's developed over time,\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: I my teeth got really, really brittle, but I also caught a bit of a hit to the face. And, yeah, the it was it's just I'm always been very well presented, and I\n\nChannel 0: Yeah. It\n\nChannel 1: it\n\nChannel 0: matters.\n\nChannel 1: was yeah. And so I just I went down that avenue, and I got the super release so I could just get them fixed and not have any gaps in my face.\n\nChannel 0: I'm sorry, darling.\n\nChannel 1: Yeah. I I know. It is I'm I'm tough cookie. I'm okay. Like, I really am.\n\nI just yeah. It's it's just unfortunate circumstance. And I think more than anything, like, I'm really happy that it's done with, but you kick yourself because everybody sees except you\n\nChannel 0: Yes.\n\nChannel 1: when there's something wrong. And I had such I had so many really good friends going. I is everything okay? Are you okay? Like, is there something we should be doing, or what do you want us to do?\n\nAnd they were trying to tell me for a really long time. And then when we got married, it was like he didn't want anybody at the wedding, and he wanted to elope. And it was like and now I know why. He he doesn't really have anybody because he needs a shit human. And and, you know, like, I all my friends were like, what are you doing?\n\nWhy are we doing this? And it's like, yeah. I'm just gonna be so lovely, and he loves me so much. Love, bomb, bomb, bomb, bomb, bomb.\n\nChannel 0: Yep.\n\nChannel 1: And then the moment I had a ring on my finger, it was like I would become a possession. And\n\nChannel 0: Yep.\n\nChannel 1: yeah. And it was and he he got lazy and angry and violent and secretive, and then he infidelity and all sorts of stuff. It was just it was out of control, and I just was like, how the hell did this happen?\n\nChannel 0: Yeah.\n\nChannel 1: So yeah. But, I mean, like, he's still applying to you guys. So\n\nChannel 0: Okay. Yeah. And that's okay. It's just completely separate separate accounts,\n\nChannel 1: yeah.\n\nChannel 0: separate everything. It just everything gets gets split, basically. I'm\n\nChannel 1: I\n\nChannel 0: sorry.\n\nChannel 1: would I would say that he would be in a lot of he's got no financial, like, in he doesn't\n\nChannel 0: Literacy?\n\nChannel 1: know what yeah. That's the word. He\n\nChannel 0: Yep.\n\nChannel 1: doesn't understand it, and that's why he always just tried to make me handle everything for him.\n\nChannel 0: Yeah.\n\nChannel 1: So and even, like, in this situation that he's in now, like, obviously, I picked up all his debts, but I've been getting letters from the transport department that he's accrued all these fines, and he's, like, $10,000 per debt. And they're like, if you don't pay it, you're gonna lose your license.\n\nChannel 0: Oh, yep. Go he all he has to do is just create a create a payment plan.\n\nChannel 1: Yeah. But it's like even with the DB and when it actually ended, the police couldn't find him because he just took off. So they couldn't actually do anything for quite some time about, like, the situation and what he did. So I had no proof of separation for ages.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Oh,\n\nChannel 1: it was it was it was quite a quite a thing, quite a time,\n\nChannel 0: I\n\nChannel 1: but it's alright.\n\nChannel 0: you got there. And now\n\nChannel 1: Yeah.\n\nChannel 0: the kids are stable and happy and can breathe, and you're happy,\n\nChannel 1: Yeah.\n\nChannel 0: and it\n\nChannel 1: And that\n\nChannel 0: changes\n\nChannel 1: that's right.\n\nChannel 0: the entire Outlook.\n\nChannel 1: And, you know, and it went to, like, what what the company did for me that I worked for was incredible because I was able to fix up the house because there was some damages to the house. And I got rid of everything, and I did a refresh and, you know, like, it just it's a reset and a restart, and it feels like my home and my place and my safe zone again. So it was that that was really good. Really, really good. So\n\nChannel 0: That's\n\nChannel 1: yeah.\n\nChannel 0: so good.\n\nChannel 1: Yeah. Now I just gotta build it all back up again.\n\nChannel 0: That's so good. At least\n\nChannel 1: Yeah.\n\nChannel 0: you can you can breathe and the kids.\n\nChannel 1: Yeah. I mean, to be honest, I've I've made my own mistakes in time, and and I probably am not the best at making good choices when it comes to love because I always seem to land in a situation where I'm like, shit. What am I gonna do now? But\n\nChannel 0: Yeah.\n\nChannel 1: here here we are. Yeah. We'll just hope for the best, I think.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: No. That's so good.\n\nChannel 1: Yeah. I know. It's pretty wild. Hey.\n\nChannel 0: Yeah. Just\n\nChannel 1: Yeah.\n\nChannel 0: just a little bit. Just barely just keep you ahead above water. That's\n\nChannel 1: Yeah.\n\nChannel 0: that's all we're doing.\n\nChannel 1: Well, that that's all I've I've sort of done. I've reconnected with my friends, and I've been able to do things with them again and because I wasn't allowed to see them before, so that's fantastic. And, you know, I'm just I work quite a lot of hours. Like, I work and I I live and breathe my job, but I I'm also my other job's been a mom, so I live and breathe that too. So I'm busy.\n\nI'm\n\nChannel 0: That's\n\nChannel 1: busy\n\nChannel 0: fair.\n\nChannel 1: now.\n\nChannel 0: Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: Allowed to be.\n\nChannel 1: Yeah. But anyway, so that's tick tick tick. And as soon as I get those forms from you, I'll print them off at work tomorrow, and I'll fill them out and get them back to you ASAP as well so we can just finish that part of things. The other stuff, so the one\n\nChannel 0: Perfect.\n\nChannel 1: pass\n\nChannel 0: Yep.\n\nChannel 1: stuff,\n\nChannel 0: Yep.\n\nChannel 1: I I got that email because they did that do you remember they did that full investigation?\n\nChannel 0: Yes. Yeah. Sure do.\n\nChannel 1: And they came up with their own decision, and,\n\nChannel 0: Yes.\n\nChannel 1: yeah, it was kinda disappointing. But even though that was closed off months ago, I've still been charged for\n\nChannel 0: Yes.\n\nChannel 1: So I'm\n\nChannel 0: Premiums.\n\nChannel 1: just yeah.\n\nChannel 0: No.\n\nChannel 1: Somehow\n\nChannel 0: I know. So I I went to them because that so after that decision and we because, like, had the conversation, I've\n\nChannel 1: mhmm.\n\nChannel 0: been I've met with a few of my insurers trying to see whether what I can do in terms of insurance, which I'll touch on in a minute.\n\nChannel 1: Yes.\n\nChannel 0: But I talked to one path, and I was like, cool. You've made a decision. Thanks. We'll close this off, and\n\nChannel 1: Yeah.\n\nChannel 0: I closed it off. From that point, that was my interaction with them, and they went, perfect. We'll we'll close it off in our system. And it wasn't until you raised it that it's, like, it it flagged in our system. It's sort of at the same time.\n\nAnd one of the admin came over to me and was like, hey. A, Zoe just emailed in. B, there's this policy. And I was like, excuse me.\n\nChannel 1: Yeah.\n\nChannel 0: So I jumped on the phone to OnePath, and when I spoke to when I spoke to the consultant, they turned around and they were like, oh, yeah. And they were shocked. So they actually got back to me this afternoon just before my\n\nChannel 1: Yeah.\n\nChannel 0: call with you. They said that they would get back to me today, and they actually did, which for an insurer is surprising. Haven't had the best of luck with insurers of late.\n\nChannel 1: Okay.\n\nChannel 0: And they literally said that they agree that it should have been canceled. No no crap. And that they are now figuring out a remediation for that to deal with the fact that they've they've judged you and that they should've that it should've been closed\n\nChannel 1: Yeah.\n\nChannel 0: x months ago and and and and.\n\nChannel 1: Yeah.\n\nChannel 0: So I'm waiting to hear from them in terms of how they're going to deal with that,\n\nChannel 1: Yeah.\n\nChannel 0: which\n\nChannel 1: Because\n\nChannel 0: will both\n\nChannel 1: I would've\n\nChannel 0: get correspondence\n\nChannel 1: sat there\n\nChannel 0: once they have it.\n\nChannel 1: that would've sat there and accrued, and they're gonna wanna claim that money from me. But\n\nChannel 0: Yeah.\n\nChannel 1: then, like, essentially, I I was cut off from them.\n\nChannel 0: Correct. They they made\n\nChannel 1: So\n\nChannel 0: they made a they made a determination. They canceled the policy, and\n\nChannel 1: yeah.\n\nChannel 0: then no one canceled it from there. So\n\nChannel 1: That's\n\nChannel 0: they're\n\nChannel 1: why I feel like there was I honestly feel like there was something more going on because of an issue that I had with the business that was attached to that business.\n\nChannel 0: yes. Yeah. I remember you saying\n\nChannel 1: Yeah. And I I honestly believe that there is some public strings being called and something very, very dodgy has happened because, like, I I genuinely, like, it was just a simple mistake, but the investigation they did on me was insane.\n\nChannel 0: Yes.\n\nChannel 1: And that was on the back of me working for Blink Property, which is affiliated with them.\n\nChannel 0: Zurich. Yeah.\n\nChannel 1: Yeah. And when I worked with them, is when I first got sick, and I, collapsed at work, and I went to hospital, And I was in hospital for two and a half weeks. And in that time frame, they ended my employment. They sent one of their junior girls over to my house to collect my laptop and all my stuff. And it was just it was I I it was all out of my control, and I was too sick to deal with them.\n\nAnd I was like, okay. I don't have a job anymore.\n\nChannel 0: Yeah.\n\nChannel 1: However, I spoke to one of the people that work at the company called Carolyn Brown, and she said to me that it's okay. We'll work it all out. Once you're feeling better and you've got back up on your feet, you can come back to work. And and I was like, oh, sweet. So I still have a job.\n\nAnd so I started I was still I was getting paid paid on fortnightly on my salary, and I continue to get paid on my salary. So I was getting payslips, and I'd sent an email, and I I had confirmation from her that that was normal. That was the process. Don't worry about it. It was good.\n\nAnd I got payments from them for about four and a half months, and then I got an email saying you owe us $18,000. Your employment was ceased when back in blah blah blah blah. And I said no, and here's my email thread. And then they tried to get a private investigator to come around and serve me with paperwork saying that I had to pay them back. And I said no because this is the email trail.\n\nThis is the confirmation that I was told that I was supposed to receive this money. And then I got this really angry email from them one day saying that that I owed the money, and if I didn't come to the party and fix it, that they would find other ways to redeem the money from me and get it back. And then lo and behold, like, this has occurred. So I feel like there is something to do with that, and I\n\nChannel 0: So\n\nChannel 1: don't\n\nChannel 0: they\n\nChannel 1: know\n\nChannel 0: never\n\nChannel 1: if\n\nChannel 0: got\n\nChannel 1: it's\n\nChannel 0: they they never got their, like, money back through the quite\n\nChannel 1: no.\n\nChannel 0: despicable channels they were trying.\n\nChannel 1: No. No. Because I had all the email trail of the conversations\n\nChannel 0: Yep.\n\nChannel 1: that I had with them, and I, like, I got somebody in legal aid to look over it, and they and then I approved that as well. And I said, look. You guys don't really have a leg stand on a contact Fair Work, and they said, hey. Actually, you've got a case that's unfair dismissal.\n\nChannel 0: Yeah.\n\nChannel 1: And then all of a sudden, it disappeared because the unfair dismissal would've been a lot more than what they had paid me.\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: But I would've gone for that too just for fun.\n\nChannel 1: yeah. Yeah. But it it was a tough time because I I was really\n\nChannel 0: Yeah.\n\nChannel 1: sick. I was really sick. And then, like, once I was better and I I felt I could get my life back on track, I I just I got I landed the job at Newway, and and they're they're brilliant. And they you know, I've I've got so much self worth because they can see what I can do, and they keep they kept promoting me and putting me up the company. And and I'm doing really, really well with them.\n\nSo I just sorta went, okay. Well, that's done and dusted, and that's all over and done with.\n\nChannel 0: Yes.\n\nChannel 1: But yeah. And then I just I feel like this is some kinda link, and I don't know if it's from that particular person that I had was deal dealing with, who's Carolyn, or or what it is. But, like, I can't help but feel like it's something to do with that.\n\nChannel 0: Yeah. The throwback and someone trying to I haven't seen a car loan in your case, but I've\n\nChannel 1: Yeah.\n\nChannel 0: look.\n\nChannel 1: Well, she\n\nChannel 0: I like,\n\nChannel 1: was\n\nChannel 0: I\n\nChannel 1: part of the real estate racket. So Carolyn was part of Blink, which is Zurich, but not on the insurance side of things. So she is affiliated with people, but she works for a different area.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. So because it was all with property. Like, I was I I was just started as, like, a real estate sorta admin assistant. I wasn't even a property manager or anything like that. And and that was the other thing.\n\nLike, I was really pushed into doing the work of a property manager, which would have been very, very illegal as well. And I had all that record as well that they had me doing those things that I wasn't licensed to do. So that that was a big problem as well. And then I witnessed some pretty horrendous things within the company. But I I just didn't say anything about it because I was like, oh, okay.\n\nWell, I don't I don't wanna get in trouble. I don't want them to get in trouble.\n\nChannel 0: Yeah.\n\nChannel 1: So yeah. And I think, like, they knew that I knew a lot of things as well. And when I got sick, they kinda went, oh, here's an opportunity. We'll we'll get rid of this situation. So I think that's how it went.\n\nAnd yeah. I I I don't know. Maybe that's just my investigator mind. But I I honestly, I feel like that's the bigger picture and you know, because the the situation for what they've called me on for claiming insurance on a situation when I was sick,\n\nChannel 0: Yeah.\n\nChannel 1: it's just they tried to say that I was a liar about my health, but in all honesty, like and what I said in my impact statement, I'm like, I I went through domestic violence and all that stuff, and I'll like, there's a lot of gaps in my memory for what's happened and what's going on and, you know, I guess that's just you suppress it. And\n\nChannel 0: Yeah.\n\nChannel 1: and the more and behold, I go and get myself in another DV situation. Oh,\n\nChannel 0: Maybe\n\nChannel 1: mate.\n\nChannel 0: maybe maybe maybe no men.\n\nChannel 1: Yeah. Yeah. Yeah. I just I just think that that there is there are good people in the world. I've just,\n\nChannel 0: There\n\nChannel 1: like,\n\nChannel 0: are.\n\nChannel 1: I've always gone for pretty people, and I just need to stop doing that.\n\nChannel 0: I'll tell you a secret I found. Go for the geeky guy that sits at home and plays his computer. He'll always be there to look after the kids, and they generally cook a pretty mean meal.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: And worst\n\nChannel 1: I\n\nChannel 0: case\n\nChannel 1: I\n\nChannel 0: scenario, they definitely know how to order a pizza.\n\nChannel 1: oh, that's right. That's it. And I'm sure one day, there'll be that someone out there, and I'll I will be happy. But\n\nChannel 0: When you're ready.\n\nChannel 1: right. Yeah. But right now, it's like I've got there's just so much has happened. I should write a book, dude. I should write a book.\n\nI just gotta\n\nChannel 0: You\n\nChannel 1: channel\n\nChannel 0: and the\n\nChannel 1: it.\n\nChannel 0: kids need time. Because how\n\nChannel 1: Yeah.\n\nChannel 0: how old are the kids?\n\nChannel 1: Maddie turns 21 in February.\n\nChannel 0: Yep.\n\nChannel 1: Kobe has just turned 19.\n\nChannel 0: Yep.\n\nChannel 1: And next year, Colin's turning 14 and Hendricks is turning 12. No. Colin's turning 15 and Hendricks is turning 12.\n\nChannel 0: Do they need time? Especially\n\nChannel 1: Yeah.\n\nChannel 0: the the younger two.\n\nChannel 1: Yeah. That's right. And and you know what? They're all doing really, really well. Like, Madison's a TA, and and she's studying to become a early education primary school teacher.\n\nSo she's studying, and Kobe's studying psychology at uni. Colin's IT orientated, and Hendrix wants to be a vet. And they all got their own past, and they're doing an incredible job. So, you know, I I I feel like they all maybe done something right.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: You got you got them into a good place where they they are able and they are capable of doing\n\nChannel 1: Yeah.\n\nChannel 0: everything they need to.\n\nChannel 1: Yeah. That's right. So that's a good thing. But I'm sorry. I'm a hit yapping at you like you're a site\n\nChannel 0: No.\n\nChannel 1: like a a therapist.\n\nChannel 0: That's cool. I'm pretty sure I am. I'm like a bartender as\n\nChannel 1: Yeah.\n\nChannel 0: we're we're part time therapists. No. Absolutely fine. Look. It it gives me it gives me insight into your position so I can understand where you're\n\nChannel 1: Yeah.\n\nChannel 0: at\n\nChannel 1: Yeah.\n\nChannel 0: anyway,\n\nChannel 1: Yeah.\n\nChannel 0: and we can go from there.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Yes.\n\nChannel 0: few things on the forefront.\n\nChannel 1: Mhmm.\n\nChannel 0: Insurance, at this time, have not been able to find a retail insurer who will underwrite your policy.\n\nChannel 1: Yes.\n\nChannel 0: And, yeah, you have an extensive history. You you\n\nChannel 1: Yep.\n\nChannel 0: do. Like,\n\nChannel 1: Yep.\n\nChannel 0: you do, and that's okay. You're not the most complex I've seen, but it's it's an extensive history. It's still something I will continue to work on moving forward, but right this second, not something I can I can get across the line? Now\n\nChannel 1: Yeah.\n\nChannel 0: I know that insurance is important to you,\n\nChannel 1: Yes.\n\nChannel 0: so I looked at default providers that will enable cover. So there are a couple of options.\n\nChannel 1: Yeah.\n\nChannel 0: If you wanna pay for it out of your own pocket, there are providers like Real Insurance.\n\nChannel 1: Mhmm.\n\nChannel 0: Probably not something because I know that we spoke last time and you want to keep it inside the super fund.\n\nChannel 1: Yes.\n\nChannel 0: So the other option is as we look at, say, opening up a super fund, and I looked at a couple of different options in terms of cover, and it depends on whether you wanna go for more cover or more cost effective.\n\nChannel 1: Yeah. So what's that mean? What's what what does that mean?\n\nChannel 0: So let me I'm pacing. I always pace when I talk, and then all of a sudden, I get asked the question of, and and what what does that mean? I'm like, excellent question. I have it on my screen that I don't have in front of me because I walked away. So what it basically means is we could look at sort of setting up one of a couple of different funds.\n\nAnd what that would do is that would enable us to get anywhere between sort of a 150 to $200,000 of life cover,\n\nChannel 1: Yeah.\n\nChannel 0: about $80 in total pump disability, and anywhere from sort of, like, 1,000 to 3,000 a month in income protection that will give you some cover while I, a, continue to investigate, and b, maybe an insurer comes around.\n\nChannel 1: Yeah.\n\nChannel 0: It's either that or we, for lack of a better phrase, because it is a Tuesday afternoon and I'm lacking in phrases, throw shit at the wall, and puts app like, send applications in and see whether they're going to because currently, I'm pre assessing, and I'm saying, hey. This is my client profile. Obviously, no names or contact details or anything they could identify you with, but I'm like, this\n\nChannel 1: Mhmm.\n\nChannel 0: is my client profile. What do you think? And going from there. And some of the times they're coming back saying, oh, maybe if we know more about this thing and so, like, there's sometimes a maybe, but sometimes there's, like, a straight up pretty muchly no. You'll be putting your client through a bunch of questions, and we're probably we're borderline saying no.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So it just depends on how how much you wanna go through with everything you're going through, whether you just want, I guess, like, a patch fix for now so you have something in case something happens\n\nChannel 1: Yeah.\n\nChannel 0: and let life settle a little bit, let yourself breathe a little bit, and then we circle back and try and get more extensive cover later and focus on some you know, getting your cash flow back into a position of comfort, getting life\n\nChannel 1: Yeah. Yeah. I mean, I do wanna\n\nChannel 0: back.\n\nChannel 1: try try and work at the cash flow thing and maybe the patch fix is the best option at the moment. But is that how cost effective is that? Like, what I mean, is it going to be more than $3,000 a year? Do you know what I mean?\n\nChannel 0: No. No. Like, realistically speaking, I'm I'm looking at under $1,000 to get sort of two $200,000 worth of life, $80,000 worth of TPD, and $3 worth of IP.\n\nChannel 1: And it it's just it's something. Can I I I guess that that gives a little bit of something if something happens to me, to my family, and that's the main thing? Like, that's what I worry about most.\n\nChannel 0: Correct.\n\nChannel 1: Yeah. So, you know, I I feel like I am very well supported in my employment, which is and, you know, that's also something that might help if would it, maybe, if I could get them some rights? Something about my security and my employment, would that help with insurance or or obtaining insurance?\n\nChannel 0: Not really.\n\nChannel 1: No. Okay. I was hoping it impacted. I was hoping\n\nChannel 0: Buying\n\nChannel 1: it would really\n\nChannel 0: a\n\nChannel 1: get\n\nChannel 0: house.\n\nChannel 1: my friends\n\nChannel 0: Yes.\n\nChannel 1: through to me. Yeah.\n\nChannel 0: No.\n\nChannel 1: Yeah.\n\nChannel 0: None. Not with insurers.\n\nChannel 1: It's okay.\n\nChannel 0: A statement from a job maybe, but that's pretty much about it.\n\nChannel 1: Yeah.\n\nChannel 0: With regards to the direct one pass, I how long's a piece of string before I have an answer is kinda where\n\nChannel 1: Yeah.\n\nChannel 0: I'm at.\n\nChannel 1: Yeah.\n\nChannel 0: Look. I they investigated. They said, yeah. We done we we done done it. Let us work on it.\n\nSo,\n\nChannel 1: Yeah.\n\nChannel 0: theoretically, I would hope within a week I'd have an answer.\n\nChannel 1: So\n\nChannel 0: But\n\nChannel 1: will they still will they still take that money? Will they still charge me even though they've made a mistake?\n\nChannel 0: no. They'll refund it.\n\nChannel 1: Okay. Alright. Awesome.\n\nChannel 0: Yeah.\n\nChannel 1: And will so it'll the money will be charged from my super that refunded back to my super, obviously?\n\nChannel 0: Correct.\n\nChannel 1: Yeah. Awesome. Okay. Because I was like, yeah. I wanna make sure that it's going back where it needs to go because, obviously, I've taken that big chunk out recently and it's back down low again.\n\nChannel 0: Yep. Yes. Yeah. Sitting at $66 or something.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. No. They'll they'll refund the money and pop that back in, so that's\n\nChannel 1: Yeah.\n\nChannel 0: fine.\n\nChannel 1: Yes.\n\nChannel 0: I am waiting to hear back from my BDM to basically speak to them because that'll be the person I liaise with, and they'll yell at the case manager. If I don't\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: hear from my BDM by Monday, then I'll be going straight to the case manager and yelling at them instead.\n\nChannel 1: Yeah. Awesome.\n\nChannel 0: My BDM\n\nChannel 1: Okay.\n\nChannel 0: has a slightly thicker skin than the case manager does, though. So\n\nChannel 1: Yeah. Okay. Awesome.\n\nChannel 0: what's\n\nChannel 1: So\n\nChannel 0: your grown\n\nChannel 1: okay.\n\nChannel 0: man's job?\n\nChannel 1: With with these options, so let's look at the patch fix until we can find something.\n\nChannel 0: Cool.\n\nChannel 1: Do you think that will come to fruition? Do you think I will find somebody who will cover me eventually?\n\nChannel 0: I think give it a couple of years and yes. Because time and it's it's time like, because, like, your conditions do compound.\n\nChannel 1: Yeah.\n\nChannel 0: So give them time to be able to, like, stabilize. You've theoretically, with the mental state, just had a flare up because another DV relationship would kind of pushes that side, but\n\nChannel 1: Yeah.\n\nChannel 0: I\n\nChannel 1: Yeah.\n\nChannel 0: think with time, we should be okay. I'm still trying. I have one more insurer that I wanna hit. Well,\n\nChannel 1: Mhmm.\n\nChannel 0: I wanna talk to. I'm not totally optimistic, which is why I kinda save them till last. And then in twelve months' time, I'll start my circle again.\n\nChannel 1: Yeah. Okay. Alright. That's okay. Obviously, it's a process, and it's gonna take time.\n\nBut if if there's the biggest thing I worry about is, like I mean, I'm not gonna end up with a parent disability, I don't think, because, like, I honestly work very office orientated in my job.\n\nChannel 0: Yeah.\n\nChannel 1: And then, like, with my health, it's I've got a really good support team and, you know, like, I've had diaric support and all sorts of stuff. So, like, I've educated myself really well on just the functions of my body, which is helps my health phenomenally, which\n\nChannel 0: Yeah.\n\nChannel 1: is awesome. So I think, like, that that's at a really good place at the moment, but you don't\n\nChannel 0: Yeah.\n\nChannel 1: know what's gonna happen. Right? So the essentially, like, the big thing is I worry about an accident and then something happening to me and then the kid's been left with nothing.\n\nChannel 0: Yeah.\n\nChannel 1: And I think that is my biggest fear. You know, the they have that strong codependency on me, even the older ones, that they need they they need me. So that's why I'm I'm really want to ensure something's in place. And the other thing, obviously, is I I kinda need to look at my my portfolio in in what position I'm in and if I should be increasing, like, you know, the maybe into a high risk category and try and boost that or if it it's the right thing to do. I'm not sure, but I'd probably like to look at my portfolio as well and see if there's any way I can generate that to get the super growing quicker.\n\nI don't know if that's the right thing to do, but\n\nChannel 0: Yep. We\n\nChannel 1: I,\n\nChannel 0: can take like, you're young enough, we could take more risk, increase the allocation to, like, growth\n\nChannel 1: Yes.\n\nChannel 0: assets, which would in turn give you the capacity to be able to, like, build wealth, but it also means that it is a slightly higher risk. So win, lose, market gain, market drop.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: You're not you're not intending on accessing any of this money again, so\n\nChannel 1: No. Not at all. So,\n\nChannel 0: we're\n\nChannel 1: obviously,\n\nChannel 0: we're good.\n\nChannel 1: that it was an emergency situation.\n\nChannel 0: Yeah.\n\nChannel 1: It's not gonna happen again. The you know, life. Right?\n\nChannel 0: Yeah.\n\nChannel 1: Essentially, like, I you know, my my income's increased, which means my super contributions are increased as well. It's fantastic. I get reviewed again in twelve months, which it'll probably jump another 10 k in twelve months' time. So I'm continuously going with the business, and the business is growing, and it's not going to slow down because it's a very long standing business that has just it it's just generating huge revenue, which is fantastic because every time the world shuts down, people want to make their yards beautiful. You know?\n\nAnd that's what New Way supplies is landscape stuff. So it's a it's a it's a baby bunnings, really. And and we've just jumped from 10 stores to 11 stores, and I take care of the operational standards of all those stores. So it's the I'm forever getting accolades from the company, so I feel like my income is only going to keep improving. So I feel like whatever super contributions going in, I'd like to try and grow it as best I can.\n\nChannel 0: Yeah. Well, can I on that note, you said that you're you've hit 6 figures? Do you know what your income is now?\n\nChannel 1: Yeah. So I'm on a 115.\n\nChannel 0: Nice. Hold on.\n\nChannel 1: Yeah. Thank you. I'm I'm really happy about that. So it it's fantastic. I'm very stoked that I got that.\n\nIt well, actually, it's a 110, but because I got the five k bonus, essentially, it looks like 115. Do you know what I mean?\n\nChannel 0: I know what you mean. Perfect.\n\nChannel 1: Yeah. But I also have, like, the perks from the company where I've got a company card, a car, and a fuel card, and all that stuff. So there that actually is such a\n\nChannel 0: Decreases\n\nChannel 1: huge impact.\n\nChannel 0: your cost of living?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Exactly right.\n\nChannel 0: Well, do you have, like, a budget that like, now that you've slipped from James or that, like, that you've gone through and rebudgeted yourself, would you want me to send you through a bit of a budget tool so you can sit down and kind of\n\nChannel 1: I\n\nChannel 0: work\n\nChannel 1: I\n\nChannel 0: through?\n\nChannel 1: have created one, and I would be really interested to also on your opinion of it.\n\nChannel 0: Yeah. Absolutely. Send it through, and I can have a look, tear it apart, and be like, hey. You forgot\n\nChannel 1: Yeah.\n\nChannel 0: about these things, which is the one\n\nChannel 1: That\n\nChannel 0: thing I always do. My favorite part is, hey. You forgot that your car needs servicing and all these other things. Your\n\nChannel 1: yeah.\n\nChannel 0: car, not so much. But yeah.\n\nChannel 1: Yeah. Well, the the little things. Yeah. I understand\n\nChannel 0: Yeah.\n\nChannel 1: that. So that that'd be great if I can send that template through\n\nChannel 0: Yeah.\n\nChannel 1: to you of what I've actually sorta set it for the entire financial year. So it's it's prefilled to really, really stick to it. I mean, I've added in kids' birthdays and Christmas and holidays and all sorts of stuff. So it'd be great if I could send that through and you could say, you know, you've overstepped here or you're going too high here or you're going too low here. That that would be really, really great.\n\nChannel 0: Yeah. Cool. No. That's absolutely okay. We can I can I can do that?\n\nSo if you send me you have my email. So if you send me budget,\n\nChannel 1: Yes.\n\nChannel 0: I'll I'll break down budget, and then I'll give formal insurance recommendation, have a look at how we can do\n\nChannel 1: Yeah. A portfolio change, like a\n\nChannel 0: Thank\n\nChannel 1: change\n\nChannel 0: you.\n\nChannel 1: in.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Portfolio change and look at that side of things. You've obviously got beneficiary forms to go to the kids.\n\nChannel 1: Yeah.\n\nChannel 0: Biggest point I do have quickly, which we'll recap again, is you have two that are underage. You have two that are over, like, overage, but adults.\n\nChannel 1: Yes.\n\nChannel 0: If anything happens to you, what happens with the younger two?\n\nChannel 1: I'm the eldest. So my eldest daughter has made a plan, but I don't have a will.\n\nChannel 0: Okay.\n\nChannel 1: So my eldest daughter, we had had a very, very long and lengthy conversation about it, and she and she said to me, like, that she would not let them be separated and she would want them to be she would wanna do that. And it's big gig about I mean,\n\nChannel 0: Yeah.\n\nChannel 1: I become a mom when I was 20.\n\nChannel 0: Yeah. It's to be to\n\nChannel 1: Yeah.\n\nChannel 0: be dealt with three others, that'd be that'd be a bit. But\n\nChannel 1: Yeah.\n\nChannel 0: yeah.\n\nChannel 1: I mean, Kobe's independent now too because he's 19, so he wouldn't step on her terrain. But Madison's very switched on, and she's the only girl and the eldest and has raised, like, raised them alongside of me. She's always been the second parent because the\n\nChannel 0: Yep.\n\nChannel 1: dads are being shit.\n\nChannel 0: Yep. Absolutely.\n\nChannel 1: So and she's very close with all the kids. So that would be ideally where she would fight for it even if I was to put them out somewhere else. She would fight for them. So, yeah, that that would be the plan.\n\nChannel 0: Alright. Perfect. Cool.\n\nChannel 1: But I would love to do\n\nChannel 0: That's\n\nChannel 1: a will\n\nChannel 0: good.\n\nChannel 1: if you know anyone.\n\nChannel 0: I can connect you with a lawyer. I sure can. I can send you\n\nChannel 1: Yeah.\n\nChannel 0: an email and cc them in and get them to reach out to you and\n\nChannel 1: Excellent.\n\nChannel 0: filter\n\nChannel 1: Yeah.\n\nChannel 0: from there. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Absolutely. That's easy.\n\nChannel 1: That would be awesome. And then the cost of wheels and stuff, how how does that all work? Like, are they expensive?\n\nChannel 0: Yeah. They're not too bad, to be honest. I think it's about $1,500 to get will and a power of attorney done.\n\nChannel 1: Yeah. Okay. Alright.\n\nChannel 0: So it's\n\nChannel 1: Cool.\n\nChannel 0: not stupid expensive, but it also depends on how crazy you wanna go with regards to planning, like, if you wanna set up trust and stuff like that.\n\nChannel 1: Yeah.\n\nChannel 0: Based on the based on the assets you have, I wouldn't probably be jumping that far into that kettle, but\n\nChannel 1: So\n\nChannel 0: it is\n\nChannel 1: is\n\nChannel 0: an option.\n\nChannel 1: it something that I could sit with for a while and just wait, or is it something\n\nChannel 0: Yeah.\n\nChannel 1: that I should yeah.\n\nChannel 0: No. You could sit with it. That's that's absolutely okay.\n\nChannel 1: Alright.\n\nChannel 0: It's just it the the biggest risk is is because the two youngest, they have a they have a male counterpart to their creation.\n\nChannel 1: Yeah.\n\nChannel 0: If then if that male counterpart is on their birth certificate, technically, the male counterpart becomes their legal guardian unless\n\nChannel 1: Yeah.\n\nChannel 0: that male counterpart says no and signs their rights over to Maddie.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: And only under that circumstance would Maddie actually become their legal guardian. Otherwise, technically, she's probably kidnapping them\n\nChannel 1: Yeah. Okay. Yeah.\n\nChannel 0: and or it's still the other parent's obligation to look after them. So that becomes the messy part, but even under a will, that's not gonna take care of that. It would it would literally be if, like, if anything happened to you before the youngest turned 18, they're I'm I'm gonna use the word father because\n\nChannel 1: Yeah.\n\nChannel 0: irrespective, like, it's the male\n\nChannel 1: Yeah.\n\nChannel 0: part party. Irrespective of how involved they are, that that father would become the legal guardian for that child\n\nChannel 1: Mhmm. Yeah. Okay.\n\nChannel 0: if you have a 100% custody of that child unless their parental rights have been removed.\n\nChannel 1: Yeah. Okay. Alright. That's that's concerning. I don't they've they've not they've been it's very vacant father.\n\nChannel 0: Yeah.\n\nChannel 1: So I don't feel like it would be something that I would it I don't think it comes fruition because the children don't so\n\nChannel 0: Yeah.\n\nChannel 1: but\n\nChannel 0: And re realistically\n\nChannel 1: we\n\nChannel 0: speaking,\n\nChannel 1: don't\n\nChannel 0: your eldest daughter could go to court and the kids are get the kids are old enough that the court like, after 12, the kids are old enough that the courts will take into consideration.\n\nChannel 1: yeah. Yeah. Awesome. That's good. And they they've really they've got good voices.\n\nChannel 0: Sounds\n\nChannel 1: So\n\nChannel 0: like they were raised by a mother that can speak up, so\n\nChannel 1: yeah.\n\nChannel 0: that's good.\n\nChannel 1: So so that's good. That's good. That is a good thing. But it it's probably definitely something, particularly, like, if I'm I'm in this growth period at the moment, so all I wanna do is build. And, eventually, it's going to be where I expect it to be because I've got nobody holding me back anymore.\n\nChannel 0: Close.\n\nChannel 1: So, essentially, within the next three to five years, it's probably something I'm I will go down that avenue. But by that stage, then, you know, one of them will be old\n\nChannel 0: Yeah.\n\nChannel 1: enough. The other one\n\nChannel 0: Yes.\n\nChannel 1: will be very, very powerful\n\nChannel 0: Close.\n\nChannel 1: in his own voice. So\n\nChannel 0: Yeah.\n\nChannel 1: we I probably won't have too much of an issue in that sense.\n\nChannel 0: Yeah. Okay. And and we can I can keep reminding you as a gentle friend to be like, hey? You said you want to do that thing. You done it yet?\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: I can\n\nChannel 1: That's\n\nChannel 0: keep\n\nChannel 1: that's,\n\nChannel 0: touching base on that.\n\nChannel 1: yeah. That'd be great. Excellent.\n\nChannel 0: Cool. Alright. Well, I'm gonna get my notes in. I'm gonna start working on where I need to head. Let's\n\nChannel 1: Yeah.\n\nChannel 0: do what is today? Tuesday. Would you be happy to meet I was gonna say two weeks, but I took some time off to spend with my husband for our ten year wedding anniversary. So would you be okay for three weeks, October 13? We can\n\nChannel 1: Let me just check and\n\nChannel 0: or anytime\n\nChannel 1: see.\n\nChannel 0: that week, really.\n\nChannel 1: Alright. I'm just gonna go calendar. Month view. Okay. So we are September 22.\n\nSo what date were you thinking?\n\nChannel 0: I picked Tuesday because it's just it's Tuesday now, but the week of the October 12.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: Okay. So I am a groomsman for my best friend's wedding on that weekend, and I'm checking in on the fourteenth. So the thirteenth the evening of thirteenth would be perfect.\n\nChannel 0: fantastic. Do you wanna go for 04:00 again?\n\nChannel 1: Yes, please.\n\nChannel 0: Fantastic. I will put it in the calendar. I will send you an invite so it pops into your calendar, and we will meet, and I will go over the advice then.\n\nChannel 1: Alright. Excellent. That sounds fantastic. And that'll just be, like, a summary of where we're at. Yeah?\n\nChannel 0: Correct.\n\nChannel 1: Alright. Perfect. Alright.\n\nChannel 0: And where and where we went ahead with some of the things. But\n\nChannel 1: Yeah.\n\nChannel 0: for now, what I'll do is I'll send you an email, reattach the two forms, the beneficiary change name, and the gentle reminder to send me your budget. You've\n\nChannel 1: Yep.\n\nChannel 0: already sent me your ID, so happy days on that side. And I'll have a look over it, and, I'll be able to talk to you about the budget on the the thirteenth.\n\nChannel 1: Sounds fantastic. Thank you.\n\nChannel 0: That's okay. No stress. Was\n\nChannel 1: Alright.\n\nChannel 0: there anything else?\n\nChannel 1: No. And and with all my crazy and sensitive circumstances, I really appreciate how great you've been, so thank you very much.\n\nChannel 0: You're so fine. Like I said, half a half a counselor.\n\nChannel 1: Alright. Well, have a have a great time off, and enjoy your tenure, and I will rendezvous with you shortly.\n\nChannel 0: Yes. Yes. I figured I should probably put something in my marriage sometime. I'm alcoholic,\n\nChannel 1: Yeah.\n\nChannel 0: so\n\nChannel 1: No.\n\nChannel 0: poor man\n\nChannel 1: That\n\nChannel 0: deserves\n\nChannel 1: is\n\nChannel 0: something.\n\nChannel 1: good. Yeah. No. That's good. That's good.\n\nEnjoy.\n\nChannel 0: I will. I will talk to you in a couple of weeks.\n\nChannel 1: Alright. Thanks, Paul. Okay. Bye.\n\nChannel 0: Bye, Zoe. Bye.","paragraphs":[{"sentences":[{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":0.39999998,"end":4.8199997,"sentiment":"neutral","sentiment_score":-0.0024351197644136846}],"sentiment":"neutral","sentiment_score":-0.0024351197644136846,"channel":1,"num_words":16,"start":0.39999998,"end":4.8199997},{"sentences":[{"text":"Larissa or Q Financial.","start":9.12,"end":10.5,"sentiment":"neutral","sentiment_score":0.02215231442824006}],"sentiment":"neutral","sentiment_score":0.02215231442824006,"channel":0,"num_words":4,"start":9.12,"end":10.5},{"sentences":[{"text":"Thanks.","start":15.36,"end":15.86,"sentiment":"positive","sentiment_score":0.42496082186698914},{"text":"Please stay on the line.","start":16.425,"end":17.965,"sentiment":"neutral","sentiment_score":0.21810488402843475},{"text":"Hello.","start":21.785,"end":22.105,"sentiment":"neutral","sentiment_score":0.10536307096481325},{"text":"This is her.","start":22.105,"end":23.005,"sentiment":"neutral","sentiment_score":0.1167143980662028}],"sentiment":"neutral","sentiment_score":0.19709915071725845,"channel":1,"num_words":10,"start":15.36,"end":23.005},{"sentences":[{"text":"Hi, Zoe.","start":24.025,"end":24.665,"sentiment":"neutral","sentiment_score":0.2387547418475151},{"text":"Larissa from.","start":24.665,"end":25.645,"sentiment":"neutral","sentiment_score":0.22141940891742706},{"text":"How are you going?","start":25.705,"end":26.605,"sentiment":"neutral","sentiment_score":0.26573271304368973}],"sentiment":"neutral","sentiment_score":0.2479098942130804,"channel":0,"num_words":8,"start":24.025,"end":26.605},{"sentences":[{"text":"Good.","start":26.505,"end":26.744999,"sentiment":"positive","sentiment_score":0.5748887658119202},{"text":"Thank you.","start":26.744999,"end":27.224998,"sentiment":"positive","sentiment_score":0.5921732485294342},{"text":"How are you?","start":27.224998,"end":28.125,"sentiment":"neutral","sentiment_score":0.3224905530611674}],"sentiment":"positive","sentiment_score":0.45445115367571515,"channel":1,"num_words":6,"start":26.505,"end":28.125},{"sentences":[{"text":"Yeah.","start":28.505,"end":28.985,"sentiment":"neutral","sentiment_score":0.24184805154800415},{"text":"Good.","start":28.985,"end":29.384998,"sentiment":"positive","sentiment_score":0.47146931290626526},{"text":"Good.","start":29.384998,"end":29.884998,"sentiment":"positive","sentiment_score":0.4360014498233795},{"text":"The team's put some notes on your file, and I just saw you've had you got a bit going on, though.","start":30.92,"end":37.100002,"sentiment":"neutral","sentiment_score":0.0640998375380323}],"sentiment":"neutral","sentiment_score":0.10397564177401364,"channel":0,"num_words":24,"start":28.505,"end":37.100002},{"sentences":[{"text":"Yeah.","start":37.2,"end":37.68,"sentiment":"neutral","sentiment_score":-0.03777940571308136},{"text":"A lot a lot's going on.","start":37.68,"end":39.7,"sentiment":"neutral","sentiment_score":-0.0774040458103021}],"sentiment":"neutral","sentiment_score":-0.07174338293927056,"channel":1,"num_words":7,"start":37.2,"end":39.7},{"sentences":[{"text":"Alright.","start":39.88,"end":40.38,"sentiment":"neutral","sentiment_score":0.0361323282122612}],"sentiment":"neutral","sentiment_score":0.0361323282122612,"channel":0,"num_words":1,"start":39.88,"end":40.38},{"sentences":[{"text":"Yeah.","start":40.32,"end":40.82,"sentiment":"neutral","sentiment_score":0.029737580567598343}],"sentiment":"neutral","sentiment_score":0.029737580567598343,"channel":1,"num_words":1,"start":40.32,"end":40.82},{"sentences":[{"text":"Well, let's jump into it.","start":40.52,"end":43.015,"sentiment":"neutral","sentiment_score":0.032656597718596456},{"text":"Before we do, though, I do need to let you know our call is recorded and","start":43.015,"end":46.074997,"sentiment":"neutral","sentiment_score":0.012126649380661547}],"sentiment":"neutral","sentiment_score":0.017014732318265096,"channel":0,"num_words":21,"start":40.52,"end":46.074997},{"sentences":[{"text":"Yes.","start":46.114998,"end":46.614998,"sentiment":"neutral","sentiment_score":0.05956121534109115}],"sentiment":"neutral","sentiment_score":0.05956121534109115,"channel":1,"num_words":1,"start":46.114998,"end":46.614998},{"sentences":[{"text":"just get you confirmed security for me.","start":46.135,"end":48.394997,"sentiment":"neutral","sentiment_score":0.08257166881646429},{"text":"It's full name, date of birth, and address that I would have on file.","start":48.534996,"end":51.355,"sentiment":"neutral","sentiment_score":0.051628365580524714}],"sentiment":"neutral","sentiment_score":0.06194279999250457,"channel":0,"num_words":21,"start":46.135,"end":51.355},{"sentences":[{"text":"So you'd have Zoe Louise Palmer.","start":52.675,"end":54.614998,"sentiment":"neutral","sentiment_score":0.040122962246338524}],"sentiment":"neutral","sentiment_score":0.040122962246338524,"channel":1,"num_words":6,"start":52.675,"end":54.614998},{"sentences":[{"text":"Yep.","start":55.175,"end":55.675,"sentiment":"neutral","sentiment_score":0.02023172192275524}],"sentiment":"neutral","sentiment_score":0.02023172192275524,"channel":0,"num_words":1,"start":55.175,"end":55.675},{"sentences":[{"text":"1st Of 98517 Green Crescent Mount Warren Park.","start":55.280003,"end":59.06,"sentiment":"neutral","sentiment_score":0.02637750783469528}],"sentiment":"neutral","sentiment_score":0.02637750783469528,"channel":1,"num_words":8,"start":55.280003,"end":59.06},{"sentences":[{"text":"Perfect.","start":59.54,"end":60.04,"sentiment":"positive","sentiment_score":0.3435492515563965},{"text":"Okay.","start":60.58,"end":61.08,"sentiment":"neutral","sentiment_score":0.05032891035079956}],"sentiment":"neutral","sentiment_score":0.19693908095359802,"channel":0,"num_words":2,"start":59.54,"end":61.08},{"sentences":[{"text":"I've","start":61.04,"end":61.52,"sentiment":"neutral","sentiment_score":0.002305564936250448}],"sentiment":"neutral","sentiment_score":0.002305564936250448,"channel":1,"num_words":1,"start":61.04,"end":61.52},{"sentences":[{"text":"So","start":61.38,"end":61.88,"sentiment":"neutral","sentiment_score":-0.03808341175317764}],"sentiment":"neutral","sentiment_score":-0.03808341175317764,"channel":0,"num_words":1,"start":61.38,"end":61.88},{"sentences":[{"text":"I've just changed my name back, though, so that is one thing I need to update as soon as possible.","start":61.52,"end":66.26,"sentiment":"neutral","sentiment_score":-0.09360558837652207}],"sentiment":"neutral","sentiment_score":-0.09360558837652207,"channel":1,"num_words":20,"start":61.52,"end":66.26},{"sentences":[{"text":"cool.","start":65.86,"end":66.36,"sentiment":"neutral","sentiment_score":0.04991430416703224},{"text":"So where's Stillman?","start":66.5,"end":67.72,"sentiment":"neutral","sentiment_score":-0.0038429911558826766}],"sentiment":"neutral","sentiment_score":0.009596332674846053,"channel":0,"num_words":4,"start":65.86,"end":67.72},{"sentences":[{"text":"Yes.","start":68.32,"end":68.715,"sentiment":"neutral","sentiment_score":0.01578555256128311}],"sentiment":"neutral","sentiment_score":0.01578555256128311,"channel":1,"num_words":1,"start":68.32,"end":68.715},{"sentences":[{"text":"See?","start":69.62,"end":69.86,"sentiment":"neutral","sentiment_score":0.029666682705283165},{"text":"Look how good I did.","start":69.86,"end":70.66,"sentiment":"neutral","sentiment_score":0.25787189304828645},{"text":"I thought","start":70.66,"end":71.295,"sentiment":"neutral","sentiment_score":0.051242465153336525}],"sentiment":"neutral","sentiment_score":0.17768888478167355,"channel":0,"num_words":8,"start":69.62,"end":71.295},{"sentences":[{"text":"Yeah.","start":71.274994,"end":71.774994,"sentiment":"neutral","sentiment_score":0.043703678995370865}],"sentiment":"neutral","sentiment_score":0.043703678995370865,"channel":1,"num_words":1,"start":71.274994,"end":71.774994},{"sentences":[{"text":"I remembered seeing your name.","start":71.295,"end":72.835,"sentiment":"neutral","sentiment_score":0.016673994809389116}],"sentiment":"neutral","sentiment_score":0.016673994809389116,"channel":0,"num_words":5,"start":71.295,"end":72.835},{"sentences":[{"text":"Yeah.","start":73.274994,"end":73.515,"sentiment":"neutral","sentiment_score":0.007200656458735466},{"text":"Did you did you know in the 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back from my BDM to basically speak to them because that'll be the person I liaise with, and they'll yell at the case manager.","start":2192.385,"end":2202.47,"sentiment":"neutral","sentiment_score":-0.025469302681499516},{"text":"If I don't","start":2202.47,"end":2202.87,"sentiment":"neutral","sentiment_score":-0.11964522053798039}],"sentiment":"neutral","sentiment_score":-0.0342982949805446,"channel":0,"num_words":32,"start":2192.385,"end":2202.87},{"sentences":[{"text":"Yeah.","start":2202.75,"end":2202.83,"sentiment":"neutral","sentiment_score":-0.04042476415634155},{"text":"Yeah.","start":2202.83,"end":2203.33,"sentiment":"neutral","sentiment_score":-0.0171287190169096}],"sentiment":"neutral","sentiment_score":-0.028776741586625576,"channel":1,"num_words":2,"start":2202.75,"end":2203.33},{"sentences":[{"text":"hear from my BDM by Monday, then I'll be going straight to the case manager and yelling at them 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circumstances, I really appreciate how great you've been, so thank you very much.","start":3076.84,"end":3085.575,"sentiment":"positive","sentiment_score":0.40814829901570365}],"sentiment":"positive","sentiment_score":0.39259337599981914,"channel":1,"num_words":22,"start":3076.4402,"end":3085.575},{"sentences":[{"text":"You're so fine.","start":3085.93,"end":3086.73,"sentiment":"positive","sentiment_score":0.49396631121635437},{"text":"Like I said, half a half a counselor.","start":3086.73,"end":3088.99,"sentiment":"neutral","sentiment_score":0.17250209115445614}],"sentiment":"neutral","sentiment_score":0.26017415117133746,"channel":0,"num_words":11,"start":3085.93,"end":3088.99},{"sentences":[{"text":"Alright.","start":3094.295,"end":3094.795,"sentiment":"neutral","sentiment_score":0.2670636773109436},{"text":"Well, have a have a great time off, and enjoy your tenure, and I will rendezvous with you 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good.","start":3109.67,"end":3110.23,"sentiment":"positive","sentiment_score":0.3564744293689728},{"text":"That's good.","start":3110.23,"end":3111.05,"sentiment":"positive","sentiment_score":0.5667548775672913}],"sentiment":"neutral","sentiment_score":0.30633024285946575,"channel":1,"num_words":7,"start":3108.07,"end":3111.05},{"sentences":[{"text":"Enjoy.","start":3111.43,"end":3111.93,"sentiment":"positive","sentiment_score":0.4715801477432251}],"sentiment":"positive","sentiment_score":0.4715801477432251,"channel":1,"num_words":1,"start":3111.43,"end":3111.93},{"sentences":[{"text":"I will.","start":3112.615,"end":3113.335,"sentiment":"neutral","sentiment_score":0.17782455682754517},{"text":"I will talk to you in a couple of weeks.","start":3113.335,"end":3115.515,"sentiment":"neutral","sentiment_score":0.10858748406171799}],"sentiment":"neutral","sentiment_score":0.12012699618935585,"channel":0,"num_words":12,"start":3112.615,"end":3115.515},{"sentences":[{"text":"Alright.","start":3115.605,"end":3116.005,"sentiment":"neutral","sentiment_score":0.11075230687856674},{"text":"Thanks, Paul.","start":3116.005,"end":3116.565,"sentiment":"positive","sentiment_score":0.37609899044036865},{"text":"Okay.","start":3116.565,"end":3116.9648,"sentiment":"neutral","sentiment_score":0.17312487959861755},{"text":"Bye.","start":3116.9648,"end":3117.4648,"sentiment":"neutral","sentiment_score":0.1403280794620514}],"sentiment":"neutral","sentiment_score":0.2352806493639946,"channel":1,"num_words":5,"start":3115.605,"end":3117.4648},{"sentences":[{"text":"Bye, Zoe.","start":3117.815,"end":3118.215,"sentiment":"neutral","sentiment_score":0.12289075180888176},{"text":"Bye.","start":3118.215,"end":3118.715,"sentiment":"neutral","sentiment_score":-0.07706768810749054}],"sentiment":"neutral","sentiment_score":0.056237938503424324,"channel":0,"num_words":3,"start":3117.815,"end":3118.715}]},"summary":{"result":"success","short":"The customer calls to update their address and driver's license, as well as update their information and driver's license through the app. They discuss financial troubles and debt agreements, including a debt to a bankruptcy and creditor. The conversation shifts to personal struggles, including domestic violence and health issues. The customer expresses their desire to grow their portfolio and increase their income, and is advised to use a budget tool and wait until age 18 before committing to anything. They also discuss the cost of insurance and the possibility of getting insurance for a patch fix."},"intents":{"segments":[{"text":"just get you confirmed security for me. It's full name, date of birth, and address that I would have on file. So you'd have Zoe Louise Palmer. Yep.","start_word":99,"end_word":126,"intents":[{"intent":"Confirm identity","confidence_score":0.14089805}]},{"text":"I've So I've just changed my name back, though, so that is one thing I need to update as soon as possible. cool.","start_word":137,"end_word":159,"intents":[{"intent":"Update information","confidence_score":0.23780283},{"intent":"Change identity","confidence_score":0.00007436246}]},{"text":"Have you like, through what channels through what channels have you changed your address? My name?","start_word":230,"end_word":245,"intents":[{"intent":"Update address","confidence_score":0.13799104},{"intent":"Change address","confidence_score":0.19250011}]},{"text":"So that will take care of that side of things to update Yep. your name, and then I believe the team sent you out a new beneficiary form and a change of details form. So if those ones are being sent to you, that's fine.","start_word":462,"end_word":506,"intents":[{"intent":"Update yep","confidence_score":0.4682286}]},{"text":"I will remove any authority for us to contact on, like, you on his behalf, that server. Yeah.","start_word":625,"end_word":642,"intents":[{"intent":"Remove authority from contact","confidence_score":0.29722095}]},{"text":"And my company ended up coming to the rescue and gave me a significant loan on the on the short term situation to get me out of strife, which I'm actually paying back out of my salary every fortnight, which was a interest free loan just out of the gratitude of my CEO Yep. part, Yeah.","start_word":1317,"end_word":1372,"intents":[{"intent":"Resolve debt","confidence_score":0.0156095615}]},{"text":"And so I just I went down that avenue, and I got the super release so I could just get them fixed and not have any gaps in my face.","start_word":2033,"end_word":2062,"intents":[{"intent":"Fix relationships","confidence_score":0.0056004887}]},{"text":"So and even, like, in this situation that he's in now, like, obviously, I picked up all his debts, but I've been getting letters from the transport department that he's accrued all these fines, and he's, like, $10,000 per debt. And they're like, if you don't pay it, you're gonna lose your license. Oh, yep.","start_word":2399,"end_word":2453,"intents":[{"intent":"Resolve debt issue","confidence_score":0.0037890594}]},{"text":"been I've met with a few of my insurers trying to see whether what I can do in terms of insurance, which I'll touch on in a minute.","start_word":3014,"end_word":3041,"intents":[{"intent":"Discuss insurance deal","confidence_score":0.00029478845}]},{"text":"been I've met with a few of my insurers trying to see whether what I can do in terms of insurance, which I'll touch on in a minute. Yes.","start_word":3014,"end_word":3042,"intents":[{"intent":"Contact insurance company","confidence_score":0.0013610973}]},{"text":"We'll close this off, and Yeah. I closed it off.","start_word":3058,"end_word":3067,"intents":[{"intent":"Close policy","confidence_score":0.012335786}]},{"text":"So I'm waiting to hear from them in terms of how they're going to deal with that, Yeah. which Because will both I would've get correspondence sat there once they have it. that would've sat there and accrued, and they're gonna wanna claim that money from me. But Yeah.","start_word":3275,"end_word":3323,"intents":[{"intent":"Provide assistance","confidence_score":0.0017929362}]},{"text":"They they made So they made a they made a determination. They canceled the policy, and yeah. then no one canceled it from there.","start_word":3335,"end_word":3358,"intents":[{"intent":"Make determination","confidence_score":0.0011951141}]},{"text":"So That's they're why I feel like there was I honestly feel like there was something more going on because of an issue that I had with the business that was attached to that business. yes. Yeah.","start_word":3360,"end_word":3396,"intents":[{"intent":"Explain business issue","confidence_score":0.005263546}]},{"text":"And I I honestly believe that there is some public strings being called and something very, very dodgy has happened because, like, I I genuinely, like, it was just a simple mistake, but the investigation they did on me was insane.","start_word":3401,"end_word":3441,"intents":[{"intent":"Express concern about public strings","confidence_score":0.058215544}]},{"text":"And I I honestly believe that there is some public strings being called and something very, very dodgy has happened because, like, I I genuinely, like, it was just a simple mistake, but the investigation they did on me was insane. Yes.","start_word":3401,"end_word":3442,"intents":[{"intent":"Recall events","confidence_score":0.000006691517}]},{"text":"And that was on the back of me working for Blink Property, which is affiliated with them. Zurich.","start_word":3443,"end_word":3460,"intents":[{"intent":"Report working with bridge property","confidence_score":0.000026340971}]},{"text":"And when I worked with them, is when I first got sick, and I, collapsed at work, and I went to hospital, And I was in hospital for two and a half weeks. And in that time frame, they ended my employment. They sent one of their junior girls over to my house to collect my laptop and all my stuff. And it was just it was I I it was all out of my control, and I was too sick to deal with them.","start_word":3463,"end_word":3547,"intents":[{"intent":"Report absence of work","confidence_score":0.0029482597}]},{"text":"Once you're feeling better and you've got back up on your feet, you can come back to work.","start_word":3589,"end_word":3606,"intents":[{"intent":"Express happiness","confidence_score":0.000016427499}]},{"text":"And so I started I was still I was getting paid paid on fortnightly on my salary, and I continue to get paid on my salary.","start_word":3620,"end_word":3645,"intents":[{"intent":"Inform about lack of pay","confidence_score":0.000021525595}]},{"text":"So I was getting payslips, and I'd sent an email, and I I had confirmation from her that that was normal. That was the process.","start_word":3646,"end_word":3670,"intents":[{"intent":"Explain email receipt","confidence_score":0.0032909636},{"intent":"Report emails","confidence_score":0.0006785764}]},{"text":"And I got payments from them for about four and a half months, and then I got an email saying you owe us $18,000.","start_word":3678,"end_word":3701,"intents":[{"intent":"Inquire about future payments","confidence_score":0.00010616309},{"intent":"Mention employer's compensation","confidence_score":0.0000030241763},{"intent":"Restate unpaid payment","confidence_score":4.5859935e-7}]},{"text":"And then they tried to get a private investigator to come around and serve me with paperwork saying that I had to pay them back.","start_word":3723,"end_word":3747,"intents":[{"intent":"Request paperwork","confidence_score":0.016194325}]},{"text":"This is the confirmation that I was told that I was supposed to receive this money. And then I got this really angry email from them one day saying that that I owed the money, and if I didn't come to the party and fix it, that they would find other ways to redeem the money from me and get it back.","start_word":3757,"end_word":3818,"intents":[{"intent":"Redeem money","confidence_score":0.33449155}]},{"text":"that I had with them, and I, like, I got somebody in legal aid to look over it, and they and then I approved that as well. And I said, look.","start_word":3879,"end_word":3909,"intents":[{"intent":"Review and approve dispute","confidence_score":0.0000752044}]},{"text":"You guys don't really have a leg stand on a contact Fair Work, and they said, hey. Actually, you've got a case that's unfair dismissal. Yeah.","start_word":3910,"end_word":3935,"intents":[{"intent":"Resolve unfair dismissal","confidence_score":0.08383867}]},{"text":"And they you know, I've I've got so much self worth because they can see what I can do, and they keep they kept promoting me and putting me up the company. And and I'm doing really, really well with them.","start_word":4026,"end_word":4066,"intents":[{"intent":"Promote self-worth","confidence_score":0.03386693}]},{"text":"And then I just I feel like this is some kinda link, and I don't know if it's from that particular person that I had was deal dealing with, who's Carolyn, or or what it is.","start_word":4089,"end_word":4124,"intents":[{"intent":"Identify person","confidence_score":0.010180165}]},{"text":"The throwback and someone trying to I haven't seen a car loan in your case, but I've Yeah.","start_word":4139,"end_word":4156,"intents":[{"intent":"Report wrongful claims","confidence_score":0.0000012040214}]},{"text":"Well, she I like, was I part of the real estate racket. So Carolyn was part of Blink, which is Zurich, but not on the insurance side of things. So she is affiliated with people, but she works for a different area. Yep.","start_word":4158,"end_word":4200,"intents":[{"intent":"Discuss involvement","confidence_score":0.01641865}]},{"text":"And then I witnessed some pretty horrendous things within the company. But I I just didn't say anything about it because I was like, oh, okay. Well, I don't I don't wanna get in trouble. I don't want them to get in trouble. Yeah. So yeah.","start_word":4294,"end_word":4339,"intents":[{"intent":"Discuss past experiences","confidence_score":0.024257781},{"intent":"Discuss past experiences","confidence_score":0.04155084}]},{"text":"He'll always be there to look after the kids, and they generally cook a pretty mean meal. Yeah. Yeah.","start_word":4578,"end_word":4596,"intents":[{"intent":"Analyze kids' needs","confidence_score":0.00037530996}]},{"text":"It it gives me it gives me insight into your position so I can understand where you're Yeah.","start_word":4875,"end_word":4892,"intents":[{"intent":"Clarify therapist position and goals","confidence_score":1.5282424e-7}]},{"text":"So what it basically means is we could look at sort of setting up one of a couple of different funds. And what that would do is that would enable us to get anywhere between sort of a 150 to $200,000 of life cover, Yeah.","start_word":5162,"end_word":5206,"intents":[{"intent":"Discuss funds","confidence_score":0.051145997},{"intent":"Determine coverage","confidence_score":0.016540116},{"intent":"Discuss finances","confidence_score":0.02771458}]},{"text":"What do you think? And going from there.","start_word":5323,"end_word":5330,"intents":[{"intent":"Evaluate situation","confidence_score":0.0007454671}]},{"text":"But is that how cost effective is that?","start_word":5496,"end_word":5503,"intents":[{"intent":"Determine cost effectiveness","confidence_score":0.009247775}]},{"text":"I they investigated. They said, yeah. We done we we done done it. Let us work on it. So, Yeah.","start_word":5721,"end_word":5740,"intents":[{"intent":"Determine impact of investigation","confidence_score":0.012269159}]},{"text":"They'll refund it. Okay.","start_word":5775,"end_word":5778,"intents":[{"intent":"Determine refund status","confidence_score":0.00937399}]},{"text":"They'll refund it. Okay. Alright. Awesome. Yeah. And will so it'll the money will be charged from my super that refunded back to my super, obviously? Correct. Yeah.","start_word":5775,"end_word":5802,"intents":[{"intent":"Determine refund amount","confidence_score":0.19525047}]},{"text":"With with these options, so let's look at the patch fix until we can find something. Cool.","start_word":5945,"end_word":5961,"intents":[{"intent":"Discuss patch fix","confidence_score":0.40097922}]},{"text":"Do you think that will come to fruition? Do you think I will find somebody who will cover me eventually?","start_word":5962,"end_word":5981,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.021125576}]},{"text":"So give them time to be able to, like, stabilize. You've theoretically, with the mental state, just had a flare up because another DV relationship would kind of pushes that side, but Yeah.","start_word":6006,"end_word":6038,"intents":[{"intent":"Determine stability","confidence_score":0.00021072631}]},{"text":"And the other thing, obviously, is I I kinda need to look at my my portfolio in in what position I'm in and if I should be increasing, like, you know, the maybe into a high risk category and try and boost that or if it it's the right thing to do.","start_word":6285,"end_word":6336,"intents":[{"intent":"Assess portfolio needs","confidence_score":0.026280146}]},{"text":"Essentially, like, I you know, my my income's increased, which means my super contributions are increased as well. It's fantastic.","start_word":6475,"end_word":6494,"intents":[{"intent":"Increase super contributions","confidence_score":0.090646714}]},{"text":"I get reviewed again in twelve months, which it'll probably jump another 10 k in twelve months' time.","start_word":6495,"end_word":6512,"intents":[{"intent":"Review business","confidence_score":0.07384676}]},{"text":"So I'm continuously going with the business, and the business is growing, and it's not going to slow down because it's a very long standing business that has just it it's just generating huge revenue, which is fantastic because every time the world shuts down, people want to make their yards beautiful. You know?","start_word":6513,"end_word":6566,"intents":[{"intent":"Grow business","confidence_score":0.6335734}]},{"text":"So it's the I'm forever getting accolades from the company, so I feel like my income is only going to keep improving. So I feel like whatever super contributions going in, I'd like to try and grow it as best I can. Yeah.","start_word":6609,"end_word":6651,"intents":[{"intent":"Improve income","confidence_score":0.010064724}]},{"text":"your cost of living?","start_word":6771,"end_word":6774,"intents":[{"intent":"Compare expenses","confidence_score":0.00014067361}]},{"text":"Well, do you have, like, a budget that like, now that you've slipped from James or that, like, that you've gone through and rebudgeted yourself, would you want me to send you through a bit of a budget tool so you can sit down and kind of I work I through?","start_word":6780,"end_word":6830,"intents":[{"intent":"Send budget tool","confidence_score":0.8224831}]},{"text":"So that that'd be great if I can send that template through Yeah.","start_word":6915,"end_word":6927,"intents":[{"intent":"Set template","confidence_score":0.13615079}]},{"text":"I'll I'll break down budget, and then I'll give formal insurance recommendation, have a look at how we can do Yeah.","start_word":7036,"end_word":7056,"intents":[{"intent":"Break down budget","confidence_score":0.51899284}]},{"text":"A portfolio change, like a Thank change you. in.","start_word":7057,"end_word":7065,"intents":[{"intent":"Recommend portfolio change","confidence_score":0.13170826}]},{"text":"Biggest point I do have quickly, which we'll recap again, is you have two that are underage. You have two that are over, like, overage, but adults. Yes.","start_word":7089,"end_word":7116,"intents":[{"intent":"Recap points","confidence_score":0.022203026}]},{"text":"So my eldest daughter has made a plan, but I don't have a will. Okay.","start_word":7132,"end_word":7146,"intents":[{"intent":"Discuss plan and budget","confidence_score":0.00037224186}]},{"text":"if you have a 100% custody of that child unless their parental rights have been removed. Yeah. Okay.","start_word":7684,"end_word":7701,"intents":[{"intent":"Clarify custody decision","confidence_score":0.000078153826}]},{"text":"Would you be happy to meet I was gonna say two weeks, but I took some time off to spend with my husband for our ten year wedding anniversary. So would you be okay for three weeks, October 13?","start_word":8009,"end_word":8047,"intents":[{"intent":"Schedule wedding meeting","confidence_score":0.13754645}]}]},"sentiments":{"segments":[{"text":"If you record your name and reason for calling, I'll see if this person is available. Larissa or Q Financial.","start_word":0,"end_word":19,"sentiment":"neutral","sentiment_score":0.0040619708597660065},{"text":"Thanks.","start_word":20,"end_word":20,"sentiment":"positive","sentiment_score":0.42496082186698914},{"text":"Please stay on the line. Hello. This is her. Hi, Zoe. Larissa from. How are you going?","start_word":21,"end_word":37,"sentiment":"neutral","sentiment_score":0.21150095760822296},{"text":"Good. Thank you.","start_word":38,"end_word":40,"sentiment":"positive","sentiment_score":0.5768252611160278},{"text":"How are you? Yeah.","start_word":41,"end_word":44,"sentiment":"neutral","sentiment_score":0.2987859845161438},{"text":"Good. Good.","start_word":45,"end_word":46,"sentiment":"positive","sentiment_score":0.4537353813648224},{"text":"The team's put some notes on your file, and I just saw you've had you got a bit going on, though. Yeah. A lot a lot's going on. Alright. Yeah. Well, let's jump into it. Before we do, though, I do need to let you know our call is recorded and Yes. just get you confirmed security for me. It's full name, date of birth, and address that I would have on file. So you'd have Zoe Louise Palmer. Yep. 1st Of 98517 Green Crescent Mount Warren Park.","start_word":47,"end_word":134,"sentiment":"neutral","sentiment_score":0.03289438784122467},{"text":"Perfect.","start_word":135,"end_word":135,"sentiment":"positive","sentiment_score":0.3435492515563965},{"text":"Okay. I've So I've just changed my name back, though, so that is one thing I need to update as soon as possible. cool. So where's Stillman? Yes. See? Look how good I did. I thought Yeah. I remembered seeing your name. Yeah. Did you did you know in the research? Well Yeah. done. Got it. Got it. Got it. Alright. It's s t I, l l, m a n? That's M a right. n? Yeah. M Yeah. a n. And Yep. a a Cool. 50. Yes.","start_word":136,"end_word":222,"sentiment":"neutral","sentiment_score":0.01994052343070507},{"text":"Amazing.","start_word":223,"end_word":223,"sentiment":"positive","sentiment_score":0.4385971128940582},{"text":"Oh, I can get that done. Have you like, through what channels through what channels have you changed your address? My name? My address Yes. my address Yes. is Sorry. still the same. Your your name. Mhmm. Yeah. So I've changed it with I've got a new driver's license. My passport's not changed. It's still Stillman. I never actually got around to it. But my Cool. passport and my driver's license are both Stillman now. Hi.","start_word":224,"end_word":299,"sentiment":"neutral","sentiment_score":-0.01106938999146223},{"text":"Cool. Amazing.","start_word":300,"end_word":301,"sentiment":"positive","sentiment_score":0.5243737697601318},{"text":"So if you're able to send me a photo of your ID I only have a digital version until I get the physical version sent out to me. So That's that's so yeah. fine. That's actually Yeah. Of fine. course. Yeah.","start_word":302,"end_word":342,"sentiment":"neutral","sentiment_score":0.09738606214523315},{"text":"Absolutely.","start_word":343,"end_word":343,"sentiment":"positive","sentiment_score":0.47004303336143494},{"text":"You can there there's a there's a share link and stuff on the on the web we do these things and stuff through the app. You can you can download a copy and share it that way, so that's fine.","start_word":344,"end_word":383,"sentiment":"neutral","sentiment_score":0.22486214339733124},{"text":"Oh, sweet. Okay. Awesome. Yeah.","start_word":384,"end_word":388,"sentiment":"positive","sentiment_score":0.4508918821811676},{"text":"Yeah. Alright. If I'm you log gonna in to the yeah. If you log in to the app, you can I think it's, like, the top right hand corner or something? There's, like, a a way to share it, and it's, yeah. like, a downloadable PDF, and you can email that through.","start_word":389,"end_word":440,"sentiment":"neutral","sentiment_score":0.14520221948623657},{"text":"That's perfect.","start_word":441,"end_word":442,"sentiment":"positive","sentiment_score":0.6591706871986389},{"text":"Okay. Cool. I'm just writing notes as we go. So I don't get what I need to do.","start_word":443,"end_word":460,"sentiment":"neutral","sentiment_score":0.07220257818698883},{"text":"Perfect.","start_word":461,"end_word":461,"sentiment":"positive","sentiment_score":0.42917484045028687},{"text":"So that will take care of that side of things to update Yep. your name, and then I believe the team sent you out a new beneficiary form and a change of details form. So if those ones are being sent to you, that's fine. Yep. Because what will happen is with the the ID that's there, we can change the name back so the account will settle into Stillman, which takes care of that side of things. Beneficiaries wise, I guess, do you know who you're Yep. nominating? Oh, yes. Yeah. I just wanna put my kids on, like, 25% each. I've got four kids. Yes. I only had three on there. That was much to do with the, I suppose, the ex relationship. But yeah. So I just need to take James off it. Yeah. He's also got me as the person to contact for his stuff with you guys. I need to cut that off as well. Nope. That's okay. I will remove any authority for us to contact on, like, you on his behalf, that server. Yeah.","start_word":462,"end_word":642,"sentiment":"neutral","sentiment_score":0.003001248696818948},{"text":"Awesome.","start_word":643,"end_word":643,"sentiment":"positive","sentiment_score":0.4266287088394165},{"text":"Because he when he signed up with Oakview, he put me as his authority to talk and liaise and do everything for him. Yeah.","start_word":644,"end_word":667,"sentiment":"neutral","sentiment_score":0.008847959339618683},{"text":"And I just don't want anything to do with him ever again.","start_word":668,"end_word":679,"sentiment":"negative","sentiment_score":-0.3966007530689239},{"text":"So Fair. Absolutely fair. Because he's correct me if I'm wrong. He's not the father of any of your kids? no. No. He's Yeah. not. No. Yeah. Not Okay. the father Cool. of any of them, and they're very happy he's gone.","start_word":680,"end_word":721,"sentiment":"neutral","sentiment_score":-0.028257207944989204},{"text":"Much happier household then. Oh, honestly, it's been a touch and breath of fresh air, and I can breathe again. Just it it's actually really, really good.","start_word":722,"end_word":748,"sentiment":"positive","sentiment_score":0.5591768026351929},{"text":"Yeah. I was so sick of pretending that everything was okay and making putting on a happy face and yeah.","start_word":749,"end_word":768,"sentiment":"neutral","sentiment_score":0.03168337419629097},{"text":"It's so much better now. That's good. I'm so glad that that it's easier for you guys Yeah.","start_word":769,"end_word":786,"sentiment":"positive","sentiment_score":0.5491933226585388},{"text":"as a team. Yeah. Yeah. Yeah. So they when so when those forms arrive, I just fill them out, send them back to you. And with my driver's license, I can just copy that as a link and send it to send it through to your Yes. email? Yeah. Alright. Yeah. Yeah. Cool. So I'll at the end of this call, I'll send you an email with anything that's outstanding. I'll also reattach Awesome. those documents for you. So the beneficiary nomination form and the change in name form as well. So that way, it's all in one email line. It comes straight back to me. Yep. So that way, it's just it's consolidated a little bit. I know you've gotten it from a couple of different sources, but I'll just Yeah. send them through again. And then that will enable me to change everything. What I'll do with your ID is I'll put it through a ID verification just to make sure it's a valid ID. So it just it's literally a portal that allows us to double check with TMR, Cool. transport So main you roads. And get are larissa, you there. larissa,@oqfinancial.com.u? Correct. I'm doing it right now.","start_word":787,"end_word":987,"sentiment":"neutral","sentiment_score":0.1174625152379126},{"text":"Oh, well done. Easy.","start_word":988,"end_word":991,"sentiment":"positive","sentiment_score":0.6291765570640564},{"text":"And I'm just gonna put the subject's system and license. Alright.","start_word":992,"end_word":1002,"sentiment":"neutral","sentiment_score":0.2723982334136963},{"text":"That's done. Perfect.","start_word":1003,"end_word":1005,"sentiment":"positive","sentiment_score":0.5088392496109009},{"text":"And then the change of name form and the beneficiary form, they need to be printed, signed, scanned back. Yes. Because it has to be pen to paper. Yes. Now I wanna double check. Has your email address or anything like that changed? No. Are I you intending still got this on changing it? no. No. Still got the same email. Still got the same mobile phone number.","start_word":1006,"end_word":1073,"sentiment":"neutral","sentiment_score":0.002167442813515663},{"text":"I'm not leaving the house.","start_word":1074,"end_word":1078,"sentiment":"negative","sentiment_score":-0.363459825515747},{"text":"I got rid of him. It was my Yep. house anyway. Yep. So all that is done. Yep. Yeah. The I think, like, that that pretty much sort of that situation anyway. Have The only you other guys yes. sorry. Sorry. No. No. No. You go. You got it. The only other thing that I was I had on my list was that other stuff with one path, but we'll stick with this part. What were you gonna say? Have you guys gone through financial separation, or is there any finances that you need to separate at all?","start_word":1079,"end_word":1176,"sentiment":"neutral","sentiment_score":-0.12279395014047624},{"text":"There was a lot of financial abuse in the relationship, and the way we Yeah. cut ties, I ended up in a lot of strife financially. So much so that I have entered into a pay part nine of bankruptcy.","start_word":1177,"end_word":1216,"sentiment":"negative","sentiment_score":-0.41355642676353455},{"text":"Yep. So I've gone into a debt agreement Yep. because after what comes to fruition is he had just taken out all these paid vances, and they were in his name but attached to my account. And Yep.","start_word":1217,"end_word":1254,"sentiment":"neutral","sentiment_score":-0.2148640900850296},{"text":"he didn't pay them. And then there was, like, the we had a combined loan from the wedding, which is bullshit, which I've been stuck with because it's in my name. And I it was just he ended up picking up a really bad habit and just started hiding money and spending money, and I kept working my little ass off.","start_word":1255,"end_word":1315,"sentiment":"negative","sentiment_score":-0.4902820885181427},{"text":"And my company ended up coming to the rescue and gave me a significant loan on the on the short term situation to get me out of strife, which I'm actually paying back out of my salary every fortnight, which was a interest free loan just out of the gratitude of my CEO Yep. part, Yeah. Yep. which is really lucky because I had no other options. But Yep. the the debt agreement also includes a Centrelink debt, which was accrued when we put our details together. And it also includes a ATO debt. So the total debt value was $46,000, but I couldn't I couldn't come up with it and I couldn't pay it. So I just sent it into the agreement so I could get out of it. Yep. Okay. So I'm I'm at a in a position now that I pay $400 a fortnight Yep. to pay that debt agreement off for three years, and then it sticks on my file for five is how I understand it. But they Okay. said once once it's paid off, they said that there are places that because I still want desperate to buy a house. That's what all I've been wanting to do. Yeah. So they said that there are places that I can get home loans through even though if I pay off all the debt and, like, at the three year mark. But even though I'm still gonna listing, but I will probably talk to you guys when that time comes anyway. Yep. Yeah. No. I have I have brokers that I've dealt with that have definitely helped people out post a debt night, like, part night agreement. Yeah. So it I mean, it does hit your credit rating, obviously, but, Yeah. no, it's not it's not impossible to do. Not at Yeah. It's a shame because, like, I all that stuff happened with the breakup, and the company helped me. And then they gave me quite a significant pay rise, and then they gave me a bonus. So, like, I'm I've hit 6 figures all. now, and I'm on really good income.","start_word":1316,"end_word":1671,"sentiment":"neutral","sentiment_score":0.0014033684274181724},{"text":"And it just breaks the heart that I'm in this situation.","start_word":1672,"end_word":1682,"sentiment":"negative","sentiment_score":-0.566258430480957},{"text":"You know? Yeah. Where you're So yeah. But lesson learned. at.","start_word":1683,"end_word":1693,"sentiment":"neutral","sentiment_score":-0.04146513224325397},{"text":"Don't trust boys. No. No. No. I've not at all. Yeah. Boys suck.","start_word":1694,"end_word":1706,"sentiment":"negative","sentiment_score":-0.4626031219959259},{"text":"And involved and that's what I said, like, when, you know, I was I was really emotional when it first happened. And I said to my boss, like, it's like I was sailing this yacht, and he was just riding my wave. Yeah. You know? And it's like I've always had, like, a vision for growth, and he just was so stagnant and so stuck in being a child and drinking and partying and doing cocaine.","start_word":1707,"end_word":1782,"sentiment":"neutral","sentiment_score":-0.2751612067222595},{"text":"And I just I I can't fathom why anybody that is a father would wanna behave like that.","start_word":1783,"end_word":1800,"sentiment":"negative","sentiment_score":-0.5100052356719971},{"text":"So Does he have his own yeah. kids? Yep. And he he has his own kids, but they won't have anything to do with him. Because of lifestyle Mhmm. and So, choices. like yeah. So when I when we separated, I obviously still see all his kids. Yeah. And Because so you I've will got forever all my be kids. mom. Yeah. Yeah. You you will forever be a maternal figure. They've like, they they obviously have their own mom, but you're Yeah. a maternal figure to them. You're another parent. Yeah. That's right. So and that's the thing. So, essentially, I've I've got eight kids now, and I'm all alone. That's okay. No. It is. It's okay.","start_word":1801,"end_word":1918,"sentiment":"neutral","sentiment_score":-0.047016583383083344},{"text":"They're they're great kids. They're all great kids.","start_word":1919,"end_word":1926,"sentiment":"positive","sentiment_score":0.5087113976478577},{"text":"So it's fine. I've just yeah. One step at a time. But and then the other thing, I had to get emergency dental work. Obviously, it was quite a situation. Yeah. So What I happened? oh, so just with the ongoing medication that I have been taking for my gut health and stuff like that and the gourd and everything that's developed over time, Yeah. Yeah.","start_word":1927,"end_word":1992,"sentiment":"neutral","sentiment_score":-0.09692642092704772},{"text":"I my teeth got really, really brittle, but I also caught a bit of a hit to the face.","start_word":1993,"end_word":2011,"sentiment":"negative","sentiment_score":-0.4508357346057892},{"text":"And, yeah, the it was it's just I'm always been very well presented, and I Yeah.","start_word":2012,"end_word":2027,"sentiment":"positive","sentiment_score":0.4674656391143799},{"text":"It it matters. was yeah. And so I just I went down that avenue, and I got the super release so I could just get them fixed and not have any gaps in my face. I'm sorry, darling. Yeah. I I know. It is I'm I'm tough cookie. I'm okay. Like, I really am. I just yeah.","start_word":2028,"end_word":2084,"sentiment":"neutral","sentiment_score":0.05922568589448929},{"text":"It's it's just unfortunate circumstance.","start_word":2085,"end_word":2089,"sentiment":"negative","sentiment_score":-0.34428736567497253},{"text":"And I think more than anything, like, I'm really happy that it's done with, but you kick yourself because everybody sees except you Yes. when there's something wrong.","start_word":2090,"end_word":2117,"sentiment":"neutral","sentiment_score":0.002998657990247011},{"text":"And I had such I had so many really good friends going.","start_word":2118,"end_word":2129,"sentiment":"positive","sentiment_score":0.3779201209545135},{"text":"I is everything okay? Are you okay? Like, is there something we should be doing, or what do you want us to do? And they were trying to tell me for a really long time. And then when we got married, it was like he didn't want anybody at the wedding, and he wanted to elope. And it was like and now I know why.","start_word":2130,"end_word":2194,"sentiment":"neutral","sentiment_score":-0.11199862509965897},{"text":"He he doesn't really have anybody because he needs a shit human.","start_word":2195,"end_word":2206,"sentiment":"negative","sentiment_score":-0.3969089090824127},{"text":"And and, you know, like, I all my friends were like, what are you doing? Why are we doing this? And it's like, yeah.","start_word":2207,"end_word":2230,"sentiment":"neutral","sentiment_score":-0.04288838803768158},{"text":"I'm just gonna be so lovely, and he loves me so much.","start_word":2231,"end_word":2242,"sentiment":"positive","sentiment_score":0.4473761022090912},{"text":"Love, bomb, bomb, bomb, bomb, bomb. Yep. And then the moment I had a ring on my finger, it was like I would become a possession. And Yep. yeah. And it was and he he got lazy and angry and violent and secretive, and then he infidelity and all sorts of stuff.","start_word":2243,"end_word":2294,"sentiment":"neutral","sentiment_score":-0.14689789712429047},{"text":"It was just it was out of control, and I just was like, how the hell did this happen?","start_word":2295,"end_word":2313,"sentiment":"negative","sentiment_score":-0.4512072503566742},{"text":"Yeah. So yeah. But, I mean, like, he's still applying to you guys. So Okay. Yeah. And that's okay. It's just completely separate separate accounts, yeah. separate everything. It just everything gets gets split, basically. I'm I sorry. would I would say that he would be in a lot of he's got no financial, like, in he Literacy? doesn't know what yeah. That's the word. He Yep. doesn't understand it, and that's why he always just tried to make me handle everything for him. Yeah. So and even, like, in this situation that he's in now, like, obviously, I picked up all his debts, but I've been getting letters from the transport department that he's accrued all these fines, and he's, like, $10,000 per debt. And they're like, if you don't pay it, you're gonna lose your license. Oh, yep. Go he all he has to do is just create a create a payment plan. Yeah. But it's like even with the DB and when it actually ended, the police couldn't find him because he just took off. So they couldn't actually do anything for quite some time about, like, the situation and what he did. So I had no proof of separation for ages. Yeah. So Oh, it was it was it was quite a quite a thing, quite a time, I but it's alright. you got there. And now Yeah.","start_word":2314,"end_word":2545,"sentiment":"neutral","sentiment_score":-0.1287105481043972},{"text":"the kids are stable and happy and can breathe, and you're happy, Yeah.","start_word":2546,"end_word":2558,"sentiment":"positive","sentiment_score":0.4261154532432556},{"text":"and it And that changes that's right. the entire Outlook.","start_word":2559,"end_word":2568,"sentiment":"neutral","sentiment_score":0.1981174647808075},{"text":"And, you know, and it went to, like, what what the company did for me that I worked for was incredible because I was able to fix up the house because there was some damages to the house. And I got rid of everything, and I did a refresh and, you know, like, it just it's a reset and a restart, and it feels like my home and my place and my safe zone again. So it was that that was really good. Really, really good. So That's yeah. so good.","start_word":2569,"end_word":2659,"sentiment":"positive","sentiment_score":0.4306505620479584},{"text":"Yeah. Now I just gotta build it all back up again.","start_word":2660,"end_word":2670,"sentiment":"neutral","sentiment_score":0.20925335586071017},{"text":"That's so good.","start_word":2671,"end_word":2673,"sentiment":"positive","sentiment_score":0.5437566637992859},{"text":"At least Yeah.","start_word":2674,"end_word":2676,"sentiment":"neutral","sentiment_score":0.23530763387680056},{"text":"you can you can breathe and the kids.","start_word":2677,"end_word":2684,"sentiment":"positive","sentiment_score":0.42200809717178345},{"text":"Yeah. I mean, to be honest, I've I've made my own mistakes in time, and and I probably am not the best at making good choices when it comes to love because I always seem to land in a situation where I'm like, shit. What am I gonna do now? But Yeah. here here we are. Yeah. We'll just hope for the best, I think. Yeah. Yeah. No. That's so good. Yeah. I know. It's pretty wild. Hey. Yeah. Just Yeah. just a little bit. Just barely just keep you ahead above water. That's Yeah. that's all we're doing.","start_word":2685,"end_word":2783,"sentiment":"neutral","sentiment_score":-0.03613062902833476},{"text":"Well, that that's all I've I've sort of done. I've reconnected with my friends, and I've been able to do things with them again and because I wasn't allowed to see them before, so that's fantastic.","start_word":2784,"end_word":2819,"sentiment":"positive","sentiment_score":0.5757566690444946},{"text":"And, you know, I'm just I work quite a lot of hours. Like, I work and I I live and breathe my job, but I I'm also my other job's been a mom, so I live and breathe that too. So I'm busy. I'm That's busy fair. now. Absolutely. Yeah. Allowed to be. Yeah. But anyway, so that's tick tick tick. And as soon as I get those forms from you, I'll print them off at work tomorrow, and I'll fill them out and get them back to you ASAP as well so we can just finish that part of things. The other stuff, so the one Perfect. pass Yep. stuff, Yep. I I got that email because they did that do you remember they did that full investigation? Yes. Yeah. Sure do. And they came up with their own decision, and, Yes.","start_word":2820,"end_word":2962,"sentiment":"neutral","sentiment_score":0.0793301984667778},{"text":"yeah, it was kinda disappointing.","start_word":2963,"end_word":2967,"sentiment":"negative","sentiment_score":-0.35055750608444214},{"text":"But even though that was closed off months ago, I've still been charged for Yes. So I'm Premiums. just yeah. No. Somehow I know. So I I went to them because that so after that decision and we because, like, had the conversation, I've mhmm. been I've met with a few of my insurers trying to see whether what I can do in terms of insurance, which I'll touch on in a minute. Yes. But I talked to one path, and I was like, cool.","start_word":2968,"end_word":3052,"sentiment":"neutral","sentiment_score":-0.06398301264818977},{"text":"You've made a decision. Thanks.","start_word":3053,"end_word":3057,"sentiment":"positive","sentiment_score":0.4662296772003174},{"text":"We'll close this off, and Yeah. I closed it off. From that point, that was my interaction with them, and they went, perfect. We'll we'll close it off in our system. And it wasn't until you raised it that it's, like, it it flagged in our system. It's sort of at the same time. And one of the admin came over to me and was like, hey. A, Zoe just emailed in. B, there's this policy. And I was like, excuse me. Yeah. So I jumped on the phone to OnePath, and when I spoke to when I spoke to the consultant, they turned around and they were like, oh, yeah.","start_word":3058,"end_word":3168,"sentiment":"neutral","sentiment_score":-0.053537216037511826},{"text":"And they were shocked.","start_word":3169,"end_word":3172,"sentiment":"negative","sentiment_score":-0.39757487177848816},{"text":"So they actually got back to me this afternoon just before my Yeah. call with you. They said that they would get back to me today, and they actually did, which for an insurer is surprising.","start_word":3173,"end_word":3208,"sentiment":"neutral","sentiment_score":-0.1809193789958954},{"text":"Haven't had the best of luck with insurers of late.","start_word":3209,"end_word":3218,"sentiment":"negative","sentiment_score":-0.5861841440200806},{"text":"Okay.","start_word":3219,"end_word":3219,"sentiment":"neutral","sentiment_score":-0.22835597395896912},{"text":"And they literally said that they agree that it should have been canceled. No no crap. And that they are now figuring out a remediation for that to deal with the fact that they've they've judged you and that they should've that it should've been closed Yeah.","start_word":3220,"end_word":3266,"sentiment":"negative","sentiment_score":-0.4603823721408844},{"text":"x months ago and and and and. Yeah. So I'm waiting to hear from them in terms of how they're going to deal with that, Yeah. which Because will both I would've get correspondence sat there once they have it. that would've sat there and accrued, and they're gonna wanna claim that money from me. But Yeah.","start_word":3267,"end_word":3323,"sentiment":"neutral","sentiment_score":-0.19856920838356015},{"text":"then, like, essentially, I I was cut off from them.","start_word":3324,"end_word":3333,"sentiment":"negative","sentiment_score":-0.49015429615974426},{"text":"Correct. They they made So they made a they made a determination.","start_word":3334,"end_word":3345,"sentiment":"neutral","sentiment_score":-0.25217869877815247},{"text":"They canceled the policy, and yeah. then no one canceled it from there. So That's they're why I feel like there was I honestly feel like there was something more going on because of an issue that I had with the business that was attached to that business.","start_word":3346,"end_word":3393,"sentiment":"negative","sentiment_score":-0.4165335992972056},{"text":"yes. Yeah. I remember you saying Yeah.","start_word":3394,"end_word":3400,"sentiment":"neutral","sentiment_score":-0.06628551334142685},{"text":"And I I honestly believe that there is some public strings being called and something very, very dodgy has happened because, like, I I genuinely, like, it was just a simple mistake, but the investigation they did on me was insane.","start_word":3401,"end_word":3441,"sentiment":"negative","sentiment_score":-0.4785361588001251},{"text":"Yes. And that was on the back of me working for Blink Property, which is affiliated with them. Zurich. Yeah. Yeah. And when I worked with them, is when I first got sick, and I, collapsed at work, and I went to hospital, And I was in hospital for two and a half weeks. And in that time frame, they ended my employment.","start_word":3442,"end_word":3504,"sentiment":"neutral","sentiment_score":-0.1711490899324417},{"text":"They sent one of their junior girls over to my house to collect my laptop and all my stuff. And it was just it was I I it was all out of my control, and I was too sick to deal with them. And I was like, okay. I don't have a job anymore.","start_word":3505,"end_word":3558,"sentiment":"negative","sentiment_score":-0.45425304770469666},{"text":"Yeah. However, I spoke to one of the people that work at the company called Carolyn Brown, and she said to me that it's okay. We'll work it all out. Once you're feeling better and you've got back up on your feet, you can come back to work. And and I was like, oh, sweet. So I still have a job. And so I started I was still I was getting paid paid on fortnightly on my salary, and I continue to get paid on my salary. So I was getting payslips, and I'd sent an email, and I I had confirmation from her that that was normal. That was the process. Don't worry about it.","start_word":3559,"end_word":3674,"sentiment":"neutral","sentiment_score":0.16782498359680176},{"text":"It was good.","start_word":3675,"end_word":3677,"sentiment":"positive","sentiment_score":0.4917028546333313},{"text":"And I got payments from them for about four and a half months, and then I got an email saying you owe us $18,000. Your employment was ceased when back in blah blah blah blah. And I said no, and here's my email thread. And then they tried to get a private investigator to come around and serve me with paperwork saying that I had to pay them back. And I said no because this is the email trail. This is the confirmation that I was told that I was supposed to receive this money.","start_word":3678,"end_word":3772,"sentiment":"neutral","sentiment_score":-0.1770735619883788},{"text":"And then I got this really angry email from them one day saying that that I owed the money, and if I didn't come to the party and fix it, that they would find other ways to redeem the money from me and get it back.","start_word":3773,"end_word":3818,"sentiment":"negative","sentiment_score":-0.554512083530426},{"text":"And then lo and behold, like, this has occurred.","start_word":3819,"end_word":3827,"sentiment":"neutral","sentiment_score":-0.2965991497039795},{"text":"So I feel like there is something to do with that, and I So don't they know never if got it's they they never got their, like, money back through the quite no. despicable channels they were trying.","start_word":3828,"end_word":3865,"sentiment":"negative","sentiment_score":-0.5550853610038757},{"text":"No. No. Because I had all the email trail of the conversations Yep. that I had with them, and I, like, I got somebody in legal aid to look over it, and they and then I approved that as well. And I said, look.","start_word":3866,"end_word":3909,"sentiment":"neutral","sentiment_score":-0.08235671371221542},{"text":"You guys don't really have a leg stand on a contact Fair Work, and they said, hey. Actually, you've got a case that's unfair dismissal.","start_word":3910,"end_word":3934,"sentiment":"negative","sentiment_score":-0.3769074678421021},{"text":"Yeah.","start_word":3935,"end_word":3935,"sentiment":"neutral","sentiment_score":-0.2897093594074249},{"text":"And then all of a sudden, it disappeared because the unfair dismissal would've been a lot more than what they had paid me.","start_word":3936,"end_word":3958,"sentiment":"negative","sentiment_score":-0.4782261848449707},{"text":"Yeah. And But I would've gone for that too just for fun. yeah. Yeah.","start_word":3959,"end_word":3972,"sentiment":"neutral","sentiment_score":-0.15322507917881012},{"text":"But it it was a tough time because I I was really Yeah. sick. I was really sick.","start_word":3973,"end_word":3990,"sentiment":"negative","sentiment_score":-0.4203046560287475},{"text":"And then, like, once I was better and I I felt I could get my life back on track, I I just I got I landed the job at Newway, and and they're they're brilliant. And they you know, I've I've got so much self worth because they can see what I can do, and they keep they kept promoting me and putting me up the company.","start_word":3991,"end_word":4057,"sentiment":"neutral","sentiment_score":0.22786541283130649},{"text":"And and I'm doing really, really well with them.","start_word":4058,"end_word":4066,"sentiment":"positive","sentiment_score":0.5360924601554871},{"text":"So I just sorta went, okay. Well, that's done and dusted, and that's all over and done with. Yes. But yeah. And then I just I feel like this is some kinda link, and I don't know if it's from that particular person that I had was deal dealing with, who's Carolyn, or or what it is.","start_word":4067,"end_word":4123,"sentiment":"neutral","sentiment_score":-0.031152409158254925},{"text":"But, like, I can't help but feel like it's something to do with that.","start_word":4124,"end_word":4137,"sentiment":"negative","sentiment_score":-0.3354806900024414},{"text":"Yeah. The throwback and someone trying to I haven't seen a car loan in your case, but I've Yeah. look. Well, she I like, was I part of the real estate racket. So Carolyn was part of Blink, which is Zurich, but not on the insurance side of things. So she is affiliated with people, but she works for a different area. Yep. Yeah. So because it was all with property. Like, I was I I was just started as, like, a real estate sorta admin assistant. I wasn't even a property manager or anything like that. And and that was the other thing.","start_word":4138,"end_word":4241,"sentiment":"neutral","sentiment_score":-0.1083025336265564},{"text":"Like, I was really pushed into doing the work of a property manager, which would have been very, very illegal as well. And I had all that record as well that they had me doing those things that I wasn't licensed to do. So that that was a big problem as well. And then I witnessed some pretty horrendous things within the company. But I I just didn't say anything about it because I was like, oh, okay. Well, I don't I don't wanna get in trouble. I don't want them to get in trouble.","start_word":4242,"end_word":4336,"sentiment":"negative","sentiment_score":-0.5422189831733704},{"text":"Yeah. So yeah. And I think, like, they knew that I knew a lot of things as well. And when I got sick, they kinda went, oh, here's an opportunity.","start_word":4337,"end_word":4366,"sentiment":"neutral","sentiment_score":-0.2589791715145111},{"text":"We'll we'll get rid of this situation.","start_word":4367,"end_word":4373,"sentiment":"negative","sentiment_score":-0.3826093077659607},{"text":"So I think that's how it went. And yeah. I I I don't know. Maybe that's just my investigator mind.","start_word":4374,"end_word":4393,"sentiment":"neutral","sentiment_score":-0.226385697722435},{"text":"But I I honestly, I feel like that's the bigger picture and you know, because the the situation for what they've called me on for claiming insurance on a situation when I was sick, Yeah. it's just they tried to say that I was a liar about my health, but in all honesty, like and what I said in my impact statement, I'm like, I I went through domestic violence and all that stuff, and I'll like, there's a lot of gaps in my memory for what's happened and what's going on and, you know, I guess that's just you suppress it.","start_word":4394,"end_word":4495,"sentiment":"negative","sentiment_score":-0.44453974038946864},{"text":"And Yeah. and the more and behold, I go and get myself in another DV situation. Oh, Maybe mate. maybe maybe maybe no men. Yeah. Yeah. Yeah. I just I just think that that there is there are good people in the world. I've just, There like, are.","start_word":4496,"end_word":4543,"sentiment":"neutral","sentiment_score":-0.09886791557073592},{"text":"I've always gone for pretty people, and I just need to stop doing that.","start_word":4544,"end_word":4557,"sentiment":"negative","sentiment_score":-0.4701890051364898},{"text":"I'll tell you a secret I found. Go for the geeky guy that sits at home and plays his computer. He'll always be there to look after the kids, and they generally cook a pretty mean meal. Yeah. Yeah. And worst I case I scenario, they definitely know how to order a pizza. oh, that's right. That's it. And I'm sure one day, there'll be that someone out there, and I'll I will be happy. But When you're ready. right. Yeah. But right now, it's like I've got there's just so much has happened. I should write a book, dude. I should write a book. I just gotta You channel and the it. kids need time. Because how Yeah. how old are the kids? Maddie turns 21 in February. Yep. Kobe has just turned 19. Yep. And next year, Colin's turning 14 and Hendricks is turning 12. No. Colin's turning 15 and Hendricks is turning 12. Do they need time? Especially Yeah. the the younger two. Yeah. That's right. And and you know what?","start_word":4558,"end_word":4731,"sentiment":"neutral","sentiment_score":0.02897101640701294},{"text":"They're all doing really, really well.","start_word":4732,"end_word":4737,"sentiment":"positive","sentiment_score":0.44478854537010193},{"text":"Like, Madison's a TA, and and she's studying to become a early education primary school teacher. So she's studying, and Kobe's studying psychology at uni. Colin's IT orientated, and Hendrix wants to be a vet.","start_word":4738,"end_word":4772,"sentiment":"neutral","sentiment_score":0.18749777121203287},{"text":"And they all got their own past, and they're doing an incredible job. So, you know, I I I feel like they all maybe done something right. Yeah. Yeah. You got you got them into a good place where they they are able and they are capable of doing Yeah.","start_word":4773,"end_word":4822,"sentiment":"positive","sentiment_score":0.49240338802337646},{"text":"everything they need to. Yeah. That's right.","start_word":4823,"end_word":4829,"sentiment":"neutral","sentiment_score":0.17209681868553162},{"text":"So that's a good thing.","start_word":4830,"end_word":4834,"sentiment":"positive","sentiment_score":0.4166620671749115},{"text":"But I'm sorry. I'm a hit yapping at you like you're a site No. like a a therapist. That's cool. I'm pretty sure I am. I'm like a bartender as Yeah. we're we're part time therapists. No. Absolutely fine. Look. It it gives me it gives me insight into your position so I can understand where you're Yeah. at Yeah. anyway, Yeah. and we can go from there. Yeah. So Yes. few things on the forefront. Mhmm. Insurance, at this time, have not been able to find a retail insurer who will underwrite your policy. Yes. And, yeah, you have an extensive history. You you Yep. do. Like, Yep. you do, and that's okay. You're not the most complex I've seen, but it's it's an extensive history. It's still something I will continue to work on moving forward, but right this second, not something I can I can get across the line? Now Yeah. I know that insurance is important to you, Yes. so I looked at default providers that will enable cover. So there are a couple of options. Yeah. If you wanna pay for it out of your own pocket, there are providers like Real Insurance. Mhmm. Probably not something because I know that we spoke last time and you want to keep it inside the super fund. Yes. So the other option is as we look at, say, opening up a super fund, and I looked at a couple of different options in terms of cover, and it depends on whether you wanna go for more cover or more cost effective. Yeah. So what's that mean? What's what what does that mean? So let me I'm pacing. I always pace when I talk, and then all of a sudden, I get asked the question of, and and what what does that mean?","start_word":4835,"end_word":5139,"sentiment":"neutral","sentiment_score":-0.015777501280679077},{"text":"I'm like, excellent question.","start_word":5140,"end_word":5143,"sentiment":"positive","sentiment_score":0.46243998408317566},{"text":"I have it on my screen that I don't have in front of me because I walked away. So what it basically means is we could look at sort of setting up one of a couple of different funds. And what that would do is that would enable us to get anywhere between sort of a 150 to $200,000 of life cover, Yeah. about $80 in total pump disability, and anywhere from sort of, like, 1,000 to 3,000 a month in income protection that will give you some cover while I, a, continue to investigate, and b, maybe an insurer comes around. Yeah. It's either that or we, for lack of a better phrase, because it is a Tuesday afternoon and I'm lacking in phrases, throw shit at the wall, and puts app like, send applications in and see whether they're going to because currently, I'm pre assessing, and I'm saying, hey. This is my client profile. Obviously, no names or contact details or anything they could identify you with, but I'm like, this Mhmm. is my client profile. What do you think? And going from there. And some of the times they're coming back saying, oh, maybe if we know more about this thing and so, like, there's sometimes a maybe, but sometimes there's, like, a straight up pretty muchly no. You'll be putting your client through a bunch of questions, and we're probably we're borderline saying no. Yeah. Okay. So it just depends on how how much you wanna go through with everything you're going through, whether you just want, I guess, like, a patch fix for now so you have something in case something happens Yeah. and let life settle a little bit, let yourself breathe a little bit, and then we circle back and try and get more extensive cover later and focus on some you know, getting your cash flow back into a position of comfort, getting life Yeah. Yeah. I mean, I do wanna back. try try and work at the cash flow thing and maybe the patch fix is the best option at the moment. But is that how cost effective is that? Like, what I mean, is it going to be more than $3,000 a year? Do you know what I mean? No. No. Like, realistically speaking, I'm I'm looking at under $1,000 to get sort of two $200,000 worth of life, $80,000 worth of TPD, and $3 worth of IP. And it it's just it's something. Can I I I guess that that gives a little bit of something if something happens to me, to my family, and that's the main thing? Like, that's what I worry about most. Correct. Yeah.","start_word":5144,"end_word":5593,"sentiment":"neutral","sentiment_score":-0.01935158424079418},{"text":"So, you know, I I feel like I am very well supported in my employment, which is and, you know, that's also something that might help if would it, maybe, if I could get them some rights?","start_word":5594,"end_word":5630,"sentiment":"positive","sentiment_score":0.3718603551387787},{"text":"Something about my security and my employment, would that help with insurance or or obtaining insurance? Not really. No. Okay. I was hoping it impacted. I was hoping Buying it would really a get house. my friends Yes. through to me. Yeah. No. Yeah. None. Not with insurers. It's okay. A statement from a job maybe, but that's pretty much about it. Yeah. With regards to the direct one pass, I how long's a piece of string before I have an answer is kinda where Yeah. I'm at. Yeah. Look. I they investigated. They said, yeah. We done we we done done it. Let us work on it. So, Yeah. theoretically, I would hope within a week I'd have an answer. So But will they still will they still take that money? Will they still charge me even though they've made a mistake? no. They'll refund it. Okay. Alright.","start_word":5631,"end_word":5779,"sentiment":"neutral","sentiment_score":-0.07379521429538727},{"text":"Awesome.","start_word":5780,"end_word":5780,"sentiment":"positive","sentiment_score":0.4463164806365967},{"text":"Yeah. And will so it'll the money will be charged from my super that refunded back to my super, obviously? Correct. Yeah.","start_word":5781,"end_word":5802,"sentiment":"neutral","sentiment_score":0.19592195749282837},{"text":"Awesome.","start_word":5803,"end_word":5803,"sentiment":"positive","sentiment_score":0.43182915449142456},{"text":"Okay. Because I was like, yeah. I wanna make sure that it's going back where it needs to go because, obviously, I've taken that big chunk out recently and it's back down low again. Yep. Yes. Yeah. Sitting at $66 or something. Yeah. Yeah. No. They'll they'll refund the money and pop that back in, so that's fine. Yeah. Yes. I am waiting to hear back from my BDM to basically speak to them because that'll be the person I liaise with, and they'll yell at the case manager. If I don't Yeah. Yeah. hear from my BDM by Monday, then I'll be going straight to the case manager and yelling at them instead. Yeah.","start_word":5804,"end_word":5918,"sentiment":"neutral","sentiment_score":-0.033363659291163736},{"text":"Awesome.","start_word":5919,"end_word":5919,"sentiment":"positive","sentiment_score":0.4337176382541657},{"text":"My BDM Okay. has a slightly thicker skin than the case manager does, though. So Yeah. Okay.","start_word":5920,"end_word":5936,"sentiment":"neutral","sentiment_score":0.05184652656316757},{"text":"Awesome.","start_word":5937,"end_word":5937,"sentiment":"positive","sentiment_score":0.446121484041214},{"text":"what's your So grown okay. man's job? With with these options, so let's look at the patch fix until we can find something.","start_word":5938,"end_word":5960,"sentiment":"neutral","sentiment_score":0.1692604422569275},{"text":"Cool.","start_word":5961,"end_word":5961,"sentiment":"positive","sentiment_score":0.4624027609825134},{"text":"Do you think that will come to fruition? Do you think I will find somebody who will cover me eventually? I think give it a couple of years and yes. Because time and it's it's time like, because, like, your conditions do compound. Yeah. So give them time to be able to, like, stabilize. You've theoretically, with the mental state, just had a flare up because another DV relationship would kind of pushes that side, but Yeah. I Yeah. think with time, we should be okay. I'm still trying. I have one more insurer that I wanna hit. Well, Mhmm. I wanna talk to. I'm not totally optimistic, which is why I kinda save them till last. And then in twelve months' time, I'll start my circle again. Yeah. Okay. Alright. That's okay. Obviously, it's a process, and it's gonna take time. But if if there's the biggest thing I worry about is, like I mean, I'm not gonna end up with a parent disability, I don't think, because, like, I honestly work very office orientated in my job. Yeah. And then, like, with my health, it's I've got a really good support team and, you know, like, I've had diaric support and all sorts of stuff.","start_word":5962,"end_word":6168,"sentiment":"neutral","sentiment_score":-0.02401949460775668},{"text":"So, like, I've educated myself really well on just the functions of my body, which is helps my health phenomenally, which Yeah. is awesome.","start_word":6169,"end_word":6192,"sentiment":"positive","sentiment_score":0.376257061958313},{"text":"So I think, like, that that's at a really good place at the moment, but you don't Yeah. know what's gonna happen. Right?","start_word":6193,"end_word":6215,"sentiment":"neutral","sentiment_score":0.09288518875837326},{"text":"So the essentially, like, the big thing is I worry about an accident and then something happening to me and then the kid's been left with nothing.","start_word":6216,"end_word":6242,"sentiment":"negative","sentiment_score":-0.3743838965892792},{"text":"Yeah.","start_word":6243,"end_word":6243,"sentiment":"neutral","sentiment_score":-0.26316776871681213},{"text":"And I think that is my biggest fear. You know, the they have that strong codependency on me, even the older ones, that they need they they need me.","start_word":6244,"end_word":6272,"sentiment":"negative","sentiment_score":-0.46417680382728577},{"text":"So that's why I'm I'm really want to ensure something's in place. And the other thing, obviously, is I I kinda need to look at my my portfolio in in what position I'm in and if I should be increasing, like, you know, the maybe into a high risk category and try and boost that or if it it's the right thing to do. I'm not sure, but I'd probably like to look at my portfolio as well and see if there's any way I can generate that to get the super growing quicker. I don't know if that's the right thing to do, but Yep. We I, can take like, you're young enough, we could take more risk, increase the allocation to, like, growth Yes. assets, which would in turn give you the capacity to be able to, like, build wealth, but it also means that it is a slightly higher risk. So win, lose, market gain, market drop. Yeah. Yeah. You're not you're not intending on accessing any of this money again, so No. Not at all.","start_word":6273,"end_word":6451,"sentiment":"neutral","sentiment_score":-0.0982051119208336},{"text":"So, we're obviously, we're good.","start_word":6452,"end_word":6456,"sentiment":"positive","sentiment_score":0.3859376311302185},{"text":"that it was an emergency situation. Yeah. It's not gonna happen again. The you know, life. Right? Yeah. Essentially, like, I you know, my my income's increased, which means my super contributions are increased as well.","start_word":6457,"end_word":6492,"sentiment":"neutral","sentiment_score":0.06141872704029083},{"text":"It's fantastic. I get reviewed again in twelve months, which it'll probably jump another 10 k in twelve months' time. So I'm continuously going with the business, and the business is growing, and it's not going to slow down because it's a very long standing business that has just it it's just generating huge revenue, which is fantastic because every time the world shuts down, people want to make their yards beautiful.","start_word":6493,"end_word":6564,"sentiment":"positive","sentiment_score":0.5548367500305176},{"text":"You know? And that's what New Way supplies is landscape stuff.","start_word":6565,"end_word":6575,"sentiment":"neutral","sentiment_score":0.31137850880622864},{"text":"So it's a it's a it's a baby bunnings, really.","start_word":6576,"end_word":6585,"sentiment":"positive","sentiment_score":0.3834857344627381},{"text":"And and we've just jumped from 10 stores to 11 stores, and I take care of the operational standards of all those stores.","start_word":6586,"end_word":6608,"sentiment":"neutral","sentiment_score":0.24004389345645905},{"text":"So it's the I'm forever getting accolades from the company, so I feel like my income is only going to keep improving. So I feel like whatever super contributions going in, I'd like to try and grow it as best I can.","start_word":6609,"end_word":6650,"sentiment":"positive","sentiment_score":0.4779499173164368},{"text":"Yeah. Well, can I on that note, you said that you're you've hit 6 figures? Do you know what your income is now? Yeah. So I'm on a 115. Nice. Hold on. Yeah.","start_word":6651,"end_word":6683,"sentiment":"neutral","sentiment_score":0.034460943192243576},{"text":"Thank you. I'm I'm really happy about that. So it it's fantastic. I'm very stoked that I got that.","start_word":6684,"end_word":6702,"sentiment":"positive","sentiment_score":0.5981524586677551},{"text":"It well, actually, it's a 110, but because I got the five k bonus, essentially, it looks like 115. Do you know what I mean? I know what you mean.","start_word":6703,"end_word":6732,"sentiment":"neutral","sentiment_score":0.12562818825244904},{"text":"Perfect.","start_word":6733,"end_word":6733,"sentiment":"positive","sentiment_score":0.3992094397544861},{"text":"Yeah. But I also have, like, the perks from the company where I've got a company card, a car, and a fuel card, and all that stuff. So there that actually is such a Decreases huge impact. your cost of living? Yeah. Yeah. Exactly right. Well, do you have, like, a budget that like, now that you've slipped from James or that, like, that you've gone through and rebudgeted yourself, would you want me to send you through a bit of a budget tool so you can sit down and kind of I work I through? have created one, and I would be really interested to also on your opinion of it. Yeah. Absolutely. Send it through, and I can have a look, tear it apart, and be like, hey. You forgot Yeah. about these things, which is the one That thing I always do.","start_word":6734,"end_word":6878,"sentiment":"neutral","sentiment_score":0.1144037113107484},{"text":"My favorite part is, hey.","start_word":6879,"end_word":6883,"sentiment":"positive","sentiment_score":0.3736340403556824},{"text":"You forgot that your car needs servicing and all these other things. Your yeah. car, not so much. But yeah. Yeah. Well, the the little things. Yeah. I understand Yeah. that. So that that'd be great if I can send that template through Yeah. to you of what I've actually sorta set it for the entire financial year. So it's it's prefilled to really, really stick to it. I mean, I've added in kids' birthdays and Christmas and holidays and all sorts of stuff. So it'd be great if I could send that through and you could say, you know, you've overstepped here or you're going too high here or you're going too low here.","start_word":6884,"end_word":6998,"sentiment":"neutral","sentiment_score":0.1262263059616089},{"text":"That that would be really, really great.","start_word":6999,"end_word":7005,"sentiment":"positive","sentiment_score":0.3526226282119751},{"text":"Yeah. Cool. No. That's absolutely okay. We can I can I can do that? So if you send me you have my email. So if you send me budget, Yes. I'll I'll break down budget, and then I'll give formal insurance recommendation, have a look at how we can do Yeah. A portfolio change, like a Thank change you. in. Yep. Yeah. Yeah. Portfolio change and look at that side of things. You've obviously got beneficiary forms to go to the kids. Yeah. Biggest point I do have quickly, which we'll recap again, is you have two that are underage. You have two that are over, like, overage, but adults. Yes. If anything happens to you, what happens with the younger two? I'm the eldest. So my eldest daughter has made a plan, but I don't have a will. Okay. So my eldest daughter, we had had a very, very long and lengthy conversation about it, and she and she said to me, like, that she would not let them be separated and she would want them to be she would wanna do that. And it's big gig about I mean, Yeah. I become a mom when I was 20. Yeah. It's to be to Yeah. be dealt with three others, that'd be that'd be a bit. But Yeah. yeah. I mean, Kobe's independent now too because he's 19, so he wouldn't step on her terrain. But Madison's very switched on, and she's the only girl and the eldest and has raised, like, raised them alongside of me. She's always been the second parent because the Yep. dads are being shit. Yep. Absolutely. So and she's very close with all the kids. So that would be ideally where she would fight for it even if I was to put them out somewhere else. She would fight for them. So, yeah, that that would be the plan.","start_word":7006,"end_word":7321,"sentiment":"neutral","sentiment_score":0.03597954378457433},{"text":"Alright. Perfect. Cool.","start_word":7322,"end_word":7324,"sentiment":"positive","sentiment_score":0.4735970497131348},{"text":"But I would love to do That's a will good. if you know anyone. I can connect you with a lawyer. I sure can. I can send you Yeah. an email and cc them in and get them to reach out to you and Excellent. filter Yeah. from there. Yeah. Yeah.","start_word":7325,"end_word":7375,"sentiment":"neutral","sentiment_score":0.17991474270820618},{"text":"Absolutely. That's easy. That would be awesome.","start_word":7376,"end_word":7382,"sentiment":"positive","sentiment_score":0.6492732763290405},{"text":"And then the cost of wheels and stuff, how how does that all work? Like, are they expensive? Yeah. They're not too bad, to be honest. I think it's about $1,500 to get will and a power of attorney done. Yeah. Okay. Alright.","start_word":7383,"end_word":7425,"sentiment":"neutral","sentiment_score":0.03144393488764763},{"text":"So it's Cool.","start_word":7426,"end_word":7428,"sentiment":"positive","sentiment_score":0.3635953366756439},{"text":"not stupid expensive, but it also depends on how crazy you wanna go with regards to planning, like, if you wanna set up trust and stuff like that. Yeah. Based on the based on the assets you have, I wouldn't probably be jumping that far into that kettle, but So it is is an option. it something that I could sit with for a while and just wait, or is it something Yeah. that I should yeah. No. You could sit with it. That's that's absolutely okay. Alright. It's just it the the biggest risk is is because the two youngest, they have a they have a male counterpart to their creation. Yeah. If then if that male counterpart is on their birth certificate, technically, the male counterpart becomes their legal guardian unless Yeah. that male counterpart says no and signs their rights over to Maddie. Yeah. Yeah. And only under that circumstance would Maddie actually become their legal guardian. Otherwise, technically, she's probably kidnapping them Yeah. Okay. Yeah. and or it's still the other parent's obligation to look after them. So that becomes the messy part, but even under a will, that's not gonna take care of that. It would it would literally be if, like, if anything happened to you before the youngest turned 18, they're I'm I'm gonna use the word father because Yeah. irrespective, like, it's the male Yeah. part party. Irrespective of how involved they are, that that father would become the legal guardian for that child Mhmm. Yeah. Okay. if you have a 100% custody of that child unless their parental rights have been removed. Yeah. Okay. Alright. That's that's concerning. I don't they've they've not they've been it's very vacant father. Yeah. So I don't feel like it would be something that I would it I don't think it comes fruition because the children don't so Yeah. but And re realistically we speaking, don't your eldest daughter could go to court and the kids are get the kids are old enough that the court like, after 12, the kids are old enough that the courts will take into consideration. yeah. Yeah.","start_word":7429,"end_word":7786,"sentiment":"neutral","sentiment_score":-0.08388771922145476},{"text":"Awesome. That's good. And they they've really they've got good voices.","start_word":7787,"end_word":7797,"sentiment":"positive","sentiment_score":0.4075981676578522},{"text":"Sounds So like they were raised by a mother that can speak up, so yeah.","start_word":7798,"end_word":7812,"sentiment":"neutral","sentiment_score":0.23493072390556335},{"text":"that's good. So so that's good. That's good. That is a good thing.","start_word":7813,"end_word":7825,"sentiment":"positive","sentiment_score":0.7266523241996765},{"text":"But it it's probably definitely something, particularly, like, if I'm I'm in this growth period at the moment, so all I wanna do is build. And, eventually, it's going to be where I expect it to be because I've got nobody holding me back anymore. Close. So, essentially, within the next three to five years, it's probably something I'm I will go down that avenue. But by that stage, then, you know, one of them will be old Yeah. enough. The other one Yes. will be very, very powerful Close. in his own voice. So Yeah. we I probably won't have too much of an issue in that sense. Yeah. Okay. And and we can I can keep reminding you as a gentle friend to be like, hey? You said you want to do that thing. You done it yet? Yeah. So Yeah. I can That's keep that's, touching base on that. yeah.","start_word":7826,"end_word":7978,"sentiment":"neutral","sentiment_score":0.046980660408735275},{"text":"That'd be great. Excellent. Cool.","start_word":7979,"end_word":7983,"sentiment":"positive","sentiment_score":0.591892659664154},{"text":"Alright. Well, I'm gonna get my notes in. I'm gonna start working on where I need to head. Let's Yeah. do what is today? Tuesday. Would you be happy to meet I was gonna say two weeks, but I took some time off to spend with my husband for our ten year wedding anniversary. So would you be okay for three weeks, October 13? We can Let me just check and or anytime see. that week, really. Alright. I'm just gonna go calendar. Month view. Okay. So we are September 22. So what date were you thinking? I picked Tuesday because it's just it's Tuesday now, but the week of the October 12. Yeah. And Okay. So I am a groomsman for my best friend's wedding on that weekend, and I'm checking in on the fourteenth. So the thirteenth the evening of thirteenth would be perfect.","start_word":7984,"end_word":8129,"sentiment":"neutral","sentiment_score":0.08301297575235367},{"text":"fantastic.","start_word":8130,"end_word":8130,"sentiment":"positive","sentiment_score":0.5150759220123291},{"text":"Do you wanna go for 04:00 again? Yes, please.","start_word":8131,"end_word":8139,"sentiment":"neutral","sentiment_score":0.10353946685791016},{"text":"Fantastic.","start_word":8140,"end_word":8140,"sentiment":"positive","sentiment_score":0.5217870473861694},{"text":"I will put it in the calendar. I will send you an invite so it pops into your calendar, and we will meet, and I will go over the advice then.","start_word":8141,"end_word":8171,"sentiment":"neutral","sentiment_score":0.20631653454995924},{"text":"Alright. Excellent. That sounds fantastic. And that'll just be, like, a summary of where we're at.","start_word":8172,"end_word":8187,"sentiment":"positive","sentiment_score":0.5728683471679688},{"text":"Yeah? Correct. Alright.","start_word":8188,"end_word":8190,"sentiment":"neutral","sentiment_score":0.27751556038856506},{"text":"Perfect.","start_word":8191,"end_word":8191,"sentiment":"positive","sentiment_score":0.5461151003837585},{"text":"Alright. And where and where we went ahead with some of the things. But Yeah. for now, what I'll do is I'll send you an email, reattach the two forms, the beneficiary change name, and the gentle reminder to send me your budget. You've Yep.","start_word":8192,"end_word":8236,"sentiment":"neutral","sentiment_score":0.17838294804096222},{"text":"already sent me your ID, so happy days on that side.","start_word":8237,"end_word":8247,"sentiment":"positive","sentiment_score":0.34760504961013794},{"text":"And I'll have a look over it, and, I'll be able to talk to you about the budget on the the thirteenth.","start_word":8248,"end_word":8269,"sentiment":"neutral","sentiment_score":0.214934766292572},{"text":"Sounds fantastic. Thank you. That's okay.","start_word":8270,"end_word":8275,"sentiment":"positive","sentiment_score":0.5971671342849731},{"text":"No stress. Was Alright. there anything else? No.","start_word":8276,"end_word":8283,"sentiment":"neutral","sentiment_score":0.1002090647816658},{"text":"And and with all my crazy and sensitive circumstances, I really appreciate how great you've been, so thank you very much. You're so fine.","start_word":8284,"end_word":8307,"sentiment":"positive","sentiment_score":0.44552576541900635},{"text":"Like I said, half a half a counselor. Alright.","start_word":8308,"end_word":8316,"sentiment":"neutral","sentiment_score":0.19882574677467343},{"text":"Well, have a have a great time off, and enjoy your tenure, and I will rendezvous with you shortly.","start_word":8317,"end_word":8335,"sentiment":"positive","sentiment_score":0.4836137592792511},{"text":"Yes. Yes. I figured I should probably put something in my marriage sometime. I'm alcoholic, Yeah. so No. poor man That deserves is something. good. Yeah. No.","start_word":8336,"end_word":8362,"sentiment":"neutral","sentiment_score":-0.08689482510089874},{"text":"That's good. That's good. Enjoy.","start_word":8363,"end_word":8367,"sentiment":"positive","sentiment_score":0.46707361936569214},{"text":"I will. I will talk to you in a couple of weeks. Alright.","start_word":8368,"end_word":8380,"sentiment":"neutral","sentiment_score":0.12203744053840636},{"text":"Thanks, Paul.","start_word":8381,"end_word":8382,"sentiment":"positive","sentiment_score":0.37609899044036865},{"text":"Okay. Bye. Bye, Zoe. Bye.","start_word":8383,"end_word":8387,"sentiment":"neutral","sentiment_score":0.1280749887228012}],"average":{"sentiment":"neutral","sentiment_score":-0.005363674786128542}}}}