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Is now still a good time there for you? That's right. It's been a year. Wow. I know. I know. It's funny. The older we get, the faster years go, but then some weeks, they just drag on. Absolutely. All good. Look. Before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to do security there with you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yes. That's fine. Beautiful. Thank you so much for that. How cold is it down there at the moment? Oh, really? Wow. Yep. Yeah. Wow. Wow. I mean, here on the Gulf Coast, it's done nothing but rain for the past several weeks. And then we had a lovely sunny weekend, and then it's back to raining again now. So I kinda feel your pain. It's just it's just gonna stop. Yeah. Yeah. Yeah. Wow. Hopefully, we all get some sun soon. It'll be nice to see that sunshine for a bit. I know. Absolutely. Just gonna go outside, I think, even just to do some gardening or mow the lawn. I don't mind. It looks like the Amazon at the moment. It's horrible. That's it. That's right. Yeah. Oh, all good. With regard to the annual review, before we kinda jump into things there, is there anything particular you wanted to ask me or wanted me to sort of touch on as part of the annual review? No. That's okay. That's not a problem at all. Well, what I'll do, I'm gonna send through an email to you. Are you able to access your emails at the moment? If you're not, that's absolutely okay. Yep. Beautiful. I'm sending you an email to you just with a couple of documents attached. It's got your ongoing service agreement for the next twelve months. I've got some attachments in there for you, which contain your superannuation and insurance summary, and it's also got the internal rate of return report there. So when that pops through, if you wanted to open those up, I can take you through what your super has been doing. Yes. So with that one there, you don't have to press that one at the moment. If you I'm just sort of thinking the easiest way. I'm pretty sure you should be able to see some attachments on the front page. If not, you might need to go through to the next screen. I think if you scroll down, is it showing you the attachments below that? Yep. Beautiful. So one of the attachments should say superannuation summary. That's okay. That's the one. Yeah. Beautiful. Sorry. We use Odoo now. I'm still sort of learning the system a little bit, but I'm I was pretty sure it showed those attachments below the signature request for you to make it a bit easier. But if you're able to open that attachment there with your super and insurance summary, is that opening up okay for you? Might take a second. Sorry. Do you have a downloads folder? Or Yeah. Absolutely. You're fine. Not a problem at all. Oh, that's absolutely fine. She's the boss. Excellent. All good. No. Not a problem at all. If anything comes up with the kids and you need me to stop, just let me know straight away. It's not an issue at all. Oh, good. Beautiful. So with that's alright. So with this one here, it's giving you a updated summary as of your super balance as of the June 4 there, which is when we prepared the documents for you. So having a look at things, I can have give you your balance from last year as well. So your balance as of this time last year was about $59,001.09 3. So 59,193 and 49¢ there. Your balance now is $69,001.46 and 53¢. We have seen a really good increase in your super. When I have a really good look at how everything has performed, your super as a net return has provided a 10.21%. That's showing earnings and growth from the portfolio of over $7,417. So your portfolio has been working really well for the year even with the ups and downs we are seeing in the market this year with what's happening between The US and Iran and also with the high inflation here within Australia, your super has performed really nicely. All the investments are showing a positive return, and the net return that you've received is up over 10.21%. So that's a really good solid result. Really happy with that. Yeah. Underneath that, you've also got your insurance policy. So you'll see when we initially recommended the insurances last year, we had recommended about 620,000 to apply for for life and CPD. Now these policies are indexed along with CPI. So the idea is that they do increase over time with the amount that you're able to claim, and that's so it holds its dollar it holds its buying power. The idea is we wanna make sure if you had to make a claim, a million dollars now isn't worth a million dollars in five years' time. So we wanna make sure that your life and TPD cover holds its buying capacity and increases over time along with CPI. So you'll see your current sum insured of life and TPD is about 651,000. One of the things we sort of talked about with your original goal for your life and TPD was that you wanted to replace your income. So you wanted to replace about sixteen years worth of your income and also have a bit of a buffer with your TBD to make sure that you have an extra 200,000 sitting there for replacement costs or medical expenses or, you know, modifications or any kind of re rehabilitation that was required. So this has definitely increased from where it was if we kind of looked at this. Now income wise, we had you on about 32,000 last year. Are you on about the same, or have you been lucky enough to get a pay rise there at all? That's okay. About 32. Yeah. Perfect. So if I looked at the $6.51 there and sort of divided that by the income that we have, the 32,000, it essentially means that based on replacing your income, you'd be able to replace that twenty years worth of income currently. So that's that 16,000, but still giving you a bit of a buffer there. With life cover, your super is also paid out on top of that. So it's a $6.51 plus your super balance that gets paid to your beneficiaries. And I'm just making sure that we have the beneficiaries noted correctly as well. Yep. Bit of a trouble with the document. Yep. No. That's okay. So I'm having a look at your super fund. Your beneficiary nomination You have a binding non lapsing nomination, which means that you don't ever have to fill that format again unless something happened and you wanted to change that nomination. It is applied to pay a 100% of your super to your partner. So that's all exactly as you would like it to be? The no. That's absolutely fine. Now having a look at your one pass one, it looks like the beneficiary on your one pass policy isn't quite added. So that must have been the one that we had some issues with there. Would you like me to I can prefill that beneficiary nomination for one pass so that it is all filled out correctly, And then we just send it through to you, and you just have to have it signed and witnessed and just making sure your partner is not one of the witnesses. Does that sound okay if we do it that way to make sure this is applied to your life cover as well? Yep. Fantastic. Now I'm just gonna bring up the beneficiary I have here to make sure that the details are correct. So I've pre filled the form accurately for you because I don't want you to go through the same problem again, and these forms can be a little bit difficult. They are honestly sometimes the bane of our existence. And these super funds and life insurance companies to have these nominations applied, they can be a bit painful. So let's just there we go. Okay. So I've got your partner's name, and everything is fine here. Date of birth should be the seventeenth of the fifth nineteen eighty eight. Is that right? Fantastic. He doesn't note himself down as being a male. I just have to double check that one. Yeah. Beautiful. And I'll tick the spouse button there for you. And with your life cover, are you again wanting a 100% to be nominated to him? Yep. Beautiful. I just need to make sure I clarify those details for you so I fill it out as per your instructions there. So what I'll do is I'll pre fill that beneficiary for the life cover for you. I'll have my team send it out. Do you prefer email or post or both? What would be the easiest way to get that document to you? Email? Yeah. No. Not a problem at all. So when it comes through, we'll just get you to print a sign it, have two witnesses signed the same time you do. Just one can't be the person you've nominated as the beneficiary. So if you got two friends or two work colleagues or just someone that's available to sign at the same time you do, and then just scan and send it back or take a photo and send it back to us, and we can have that applied there for you. Okay? Fantastic. We'll try and make that one nice and easy for you so that all your boxes are ticked. The last thing we want is anything to happen and for your partner to have trouble trying to claim on that one to make it easier on him. So, yeah. Absolutely. He knows where to call. That's perfect. Excellent. Just having a look. So your life and TPD amounts are pretty well accurate there. They've just increased a little bit. It does also show you on the document there how much you pay for those out of your super for the year. You've also got your income protection policy there as well. So I'm just sort of double checking with that. It does again go up a little bit with CPI there. Sorry. My computer's a little bit slow. We're working on, say, 32,000 as an income amount. Buy that by monthly. So about $1.08. So, realistically, if anything was to happen with income protection, you can be covered for up to 70% of your income there. Your monthly benefit of about 1,661 pretax is a little bit underinsured from where you are. However, you do also have the super contribution amount. So it does mean that an extra $391 per month would be added into super if you were on a claim there. If anything was to happen and you were on for income protection, would that amount, the $16.61 plus your partner's income, be sufficient for your regular expenses each month, or would you like to maybe look at trying to increase that a bit, or what's your thought? Yeah. It's based off the income that we had when we did the yeah. When we did your your insurance application, it does go up along with CTI. So it is sorta increasing a little bit each year as well with the monthly benefit, but it doesn't always keep up with income or wage growth at the same time. So it's really up to you. If you're comfortable just to leave it as is for the moment, that's absolutely fine. We can always come back and review it at any time if you'd like to. Yep. It is. It is. Insurance, this is one of those sort of catch 20 twos. You wanna have the right level of cover to protect you if something was to happen, but there's, you know, possibly a one or 2% chance that you are gonna actually claim on them. And the biggest risk is you have the insurance. If you pay the premiums and never actually make a claim, and then you get to retirement, don't need them, cancel them, and you've paid all the money for cover you've never claimed on or required. So it's one of those one of those things, really. So you've got your life, your TPD, your income protection at the moment. You're sorta happy to keep those as they are. Lastly, you didn't wanna look at any kind of cover held out of pocket like trauma. Did you wanna kinda revisit those at the moment, or you're happy just with the cover you have? Yep. Beautiful. I mean, you can cover basically everything, can't you, the types of insurances that are out there? You could be paying a a a phenomenal amount of premiums if we looked at covering absolutely everything. It'd be insane. Yeah. Yeah. And, look, if anything ever changed and you wanted to revisit those, you don't have to wait till annual review time. We can always have ad hoc conversations at any time throughout the year. If there's something you wanna ask or something that's important to you or you just wanna revisit the insurance or even have questions, just give us a call. My team will absolutely make this time for me to give you a call and have a bit of a chat. Okay? Fantastic. On the note of trauma, now we're not looking at any additional cover for you at the moment, but just so you are aware down the track, if you do wanna look at trauma, you can also get other policies like child trauma, which pays out a lump sum tax free benefit in the event that your child is diagnosed with traumatic illnesses or, you know, diagnoses. So if there's ever anything that you wanted to talk about or look at down the track there with any kind of trauma or child protection trauma, you know, benefit, please let me know. Okay? Fantastic. So that's your super and your insurances. Looking really well. Happy with the return there. All your investments within the super fund are working really nicely. Everything is up. On that email, you also have the performance report, I believe, called hub twenty four super performance with the date the fourth of the sixth on it. If you wanted to sort of open that one up, you can have a bit of a look at the investments within. And on the second page, it does kinda show you that 10.21% returns. You can see that your super has been working really, really nicely there. Okay? There it is. That's okay. Now with your investment portfolio, you're invested in more of a growth environment. So as we kinda discussed last year, you generally see that 80% of your super invested in growth assets, like Australian and international equities, property, and also commodities like precious metals and gold and silver there. Your gold is definitely one of your best performers for the year in your super, which has been really, really great to see. With this sort of growth environment there, the returns are expected to be generally between that seven to 9%. So the fact that you've received a 10% return for the year means that your portfolio has overperformed the expectations. So that's a really good sign. Yeah. And not to mention yeah. Absolutely. And, look, even when I'm sort of having a look at how everything's been tracking, I tend to you like to use the all ordinaries as a bit of a a benchmark for you because the all ordinaries encompasses essentially most of the market. It focuses on the largest companies, which essentially shows you and is an indicator of how the total market has been performing. When I have a look at your super and how it has been tracking, it has been tracking in line with your ordinaries and been going up and down in the same sort of pattern. So, essentially, you're not tracking against the market. There's nothing that needs to really be changed at the moment investment wise. I'd probably just go back and just make sure you still are invested in line with that 20%. So long as everything's fine, there'll be nothing left to do. If I do come back and find that we need to maybe rebalance something, I'll let you know. Is that okay? Yep. Beautiful. Everything yeah. Absolutely. And, look, honestly, the biggest point was, I mean, from where you came last year, we did see a bit of a dip around about November last year, but then we saw your your portfolio come back, recover up until about the March 2. And then it's seen a bit more of a dip around that mid to end of March. About the twentieth was the biggest dip we saw. And that was very much in line with what was happening in the market as a whole, with what was happening with The US and Iran. And then from there, your portfolio has come back. You've almost recovered to where you were pre that dip, and then there's just some minor volatility after that. So you're tracking along really, really nicely. It's a good positive start. And one of the things you'll probably notice is when you look at a 10% return with your current balance there, that 10% return as a dollar figure is about 7,417. As your balance in increases, that sort of a return will have a much bigger earnings dollar figure attached to it. So as your balance increases, smaller changes to your portfolio make a bigger difference. Yes. So that'll be something to kind of keep tracking, keep looking at as we compound things forward for you. But do you have any questions about your suit for the insurance? Is there anything I've kind of gone through with you at the moment? No? Thank you. Definitely keep trying. Did you want me to do a bit of a catch up in the next sort of three, six months for you just to sort of see how things are tracking in that time frame with the volatility that we are going through at the moment, or did you want just another twelve months? Yeah. Absolutely. I'll pop it down there for you. Would you prefer three or six months there, Melinda? Six months. Yep. Yeah. Absolutely. No. Not a problem at all. I'll pop that in my calendar then. My team will book you in, give you a call just before that six month mark, and they'll book you in so we can have a bit of a catch up there just ready and in time for the Christmas break for us all. Okay? Fantastic. I just also wanted to run through and just kind of update any additional details that we might have for you. I've confirmed your income. Last year, when we kinda spoke, you were able to save about $200 per week. What's the expenditure looking like? Are you still managing to save or put some money away, or is it a bit hard at the moment? Yeah. Mhmm. Yep. Yep. Fantastic. Yeah. Oh, absolutely. Absolutely. No. Not a problem at all. Fantastic. Looking at your other assets and liabilities we had here, we had the 2,015 Nissan X Trail. Noted asset value was about 16,000 last year. What sort of value would you put on that now if you had to sell the vehicle? What would you want for it? Yeah. Yeah. Perfect. Yep. No. That's okay. Fantastic. Excellent. And I've also got the 2004 Nissan Navara with a an estimated value of 8,500. Would you wanna change or alter that value at all? Yeah. Yeah. Yeah. No. No. Nothing. It's just sort of looking at your overall asset position, you know, your asset and liability position, essentially, just sort of keeping track of what value you bring back to you. But it's also about you know, we're not sort of looking at the expected value of the market as a whole or depreciation cost. It's just if you sort of sold the property or sold that vehicle, what would you wanna get for it? What value is it to you? So you you're welcome to keep it as it is. If you'd like, it's absolutely fine. Yeah. Yeah. Yeah. No. That's okay. Beautiful. All good. Did you want me just to decrease it down by 500, maybe say 8,000 average? Sorry. Yeah. No worries. And contents there, we had noted a value of about 60,000, and that can be quite difficult to estimate the placement cost of all of your belongings. But would you change the asset value of your contents at all? No. No. That's absolutely fine. No. That's okay. Let me have a quick look for you. And just double checking. So three bedroom home, you said, and you guys have got three kids. Family of five. Okay. So average cost. So the average replacement cost are estimated for a family of five in a three bedroom home of typically between a 150 to 200,000. That's fairly standard. I know. No. That's okay. Yep. Absolutely. No. That's okay. That's absolutely not a problem at all. Perfect. So I've just updated that for you. Fantastic. And then I've also got down here that you guys are renting. You were were paying about 320 per week. Has your rent increased at all? It has. What are we paying now? $4.20 per week. Beautiful. Thank you for updating those. Any new cars, boats, caravans, investments, collections, or anything else of value you wanna note down at all? No? Beautiful. We also had noted that you hadn't done a will and power of attorney last year. I know part of the advice was to speak to a solicitor and have your power of attorney and will complete it. But have you guys thought about doing that or talked about it or had that done in the last twelve months at all? No. That's understand. Yeah. Yeah. No. Understandable. Understandable. That's absolutely fine. It is still really important to do. I think one of the biggest things to consider when you're doing your estate planning, having a will done up, is taking into account your cars that might have to be sold off, you know, any tools of trade that you guys might have, but also take into account the power of attorney. So if you say, as an example, had a car accident and you were unable to make decisions for yourself, whether it be medical or financial, having a power of attorney in place as part of your overall estate planning means that somebody has direction as to what you want to happen in certain instances or how you want them to act on your behalf. But also because you guys do have kids having a guardianship in place. So if something happens to the both of you, what do you want to happen to your kids? Yeah. Yeah. Yeah. The other thing is, like, with the will, just the way you kinda can structure it, and this is a bit of an example. I mean, I've got kids to my ex husband as well as kids to my current husband now, and my will was set up so that everything I had would get sold and put into trust so my kids would be receiving income. Also, the person that looked after them, you know, the guardian would receive income to cover school costs and things like that. So the other aspect is being able to sell off your cars, boats, caravans, savings accounts, things like that in the event that something happened and what you want to happen to that money so it's to support your children for longevity. So there's, you know, a lot of things to kinda consider there, but having a really good chat to us, Melissa, can kind of give you guys a little bit more, you know, of an idea of what you want to happen and really kinda make you think about what it is what if something happened to us, and how would we want it structured, and how would we want the kids looked after, and who by? And, you know, if I something happens to me, what do I want to happen? What questions do I want asked? And who do I trust to make those financial and or medical decisions on my behalf? So it it can be quite a powerful document, but I still do recommend going, you know, speak to a solicitor and have that Yeah. Yeah. No. That's okay. Did we end up sending through some details on a local solicitor and some costing around the will and power of attorney side of things to you last year at all? Did anyone send that through? No. That's okay. If you like, we can do up a bit of an email with it's more of just a a general information email. It has a costing of one of the local solicitors that we use. It sort of shows you how much it costs to do a will and a power of attorney to start the conversation between you both, and that might sort of give you a bit of a helping hand there. And then, yeah, to start that conversation, then if you do have a local solicitor that you are comfortable talking to, you're welcome to kind of visit them as well and sort of have that conversation and look at how best to structure things outside of your super and your life insurance to protect everything that you've worked so hard for. Yeah. Beautiful. Well, I'll get that email done up for you. It's not a problem at all, but thank you for updating all those details there. The other thing is looking at your goals as well. So we were tracking forward retirement around about age 65, hoping to draw about a thousand dollars a week. Is that still what we're tracking for with Super? Yeah. That's okay. No. That's okay. Yeah. Absolutely. And, look, you don't have to wait till age 65. If you decide at 60 you wanna retire, you can let me know. That's absolutely fine, and we'll make sure we update things as we are tracking towards those ages. But as an under the current Hopefully not. I want you to enjoy those years. No. All good. Well, I'll keep it at 65 for the moment. You still got a lot of time ahead of you. You've only just turned 34, so you've got a lot of time ahead of you before you're able to retire. So a lot of tracking and possibly advice alterations in that time frame that we'll be able to make for you. So beautiful. Excellent. Other goals that we have noted down here, we were looking at sorry. Cash flow and budgeting. You just wanted to take some holidays every couple of years. Do you have any holidays planned for this year or not really yet? Mhmm. Yep. Yep. That's it. Yep. Yeah. Yep. Nice. Yeah. Yeah. That that'd be fantastic. That'd make some memories with the kids and get out and see some things. Yeah. Yep. Yep. Wow. Yep. Yeah. Yeah. Yep. Fantastic. Yeah. Absolutely. So purchasing a house on the cards there as well, that is great. We'll pop that down as a medium term goal. I know it can be difficult. It's yeah. Every year, you're the same. Yes. Yes. Yes. Oh, wow. Yeah. Wow. Yep. Yeah. Yeah. Yeah. Absolutely. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Beautiful. Absolutely. No. Completely understandable. Well, when you guys are ready to look at investing, we can help you with investment portfolios similar to your super, look at joint structures, and look at ways to invest to build that kind of wealth outside of super. So if that is something that you just wanted to have a joint conversation with me about, we're absolutely happy to help and provide additional advice in those areas for you. Yeah. Sure. Yeah. Go on me. Yeah. Yeah. No. Absolutely. It's taking that plunge, and I think that's probably the hardest thing. So what we would sort of wanna see is if you have, you know, saved up a little bit of money, some investment platforms that are comfortable with, you know, 1 or $2,000, whereas others might need a a good deposit of 20 or 30 to make it worthwhile. But we have access to lots of different investment structures like Hub twenty four, like your super, or other investment platforms that require a smaller balance of, say, 1,000 or 2,000. So we wanna sort of see what you've got as a deposit or as an initial investment amount, build a portfolio around what your goals are. In as I mentioned in your super, you've got that growth asset allocation of $80.20 split between growth and defensive investments. Whereas we do tend to find when you're investing in your own name outside of super, because you can access that money in the short term, you tend to be a little bit more risk averse. You tend to not wanna take as much risk as what you're comfortable within your super. So we wanna sort of have a look at what both of you feel, you know, do a risk profile questionnaire between the two of you to sort of see how you feel about investing, what you're comfortable with risk wise, and how much return you're looking to achieve. We'd also wanna find out the time horizon, how long you're wanting to invest for. I would personally never invest money that you wanna use in the next three to five years. Investing, same as super, is meant to be a long term sort of, project and medium to long term. You wanna invest for five plus years, because investing money for a longer time allows you to compound. One of the biggest, most powerful things we have is compounding. It's when you say put a thousand dollars. If you put a $100 into an investment, it makes you a $100. That $100 is then reinvested, and that $100 makes another $200. And then, like, you know, you reinvest that. So your capital makes interest. That interest reinvested compounds and becomes, you know, compounding interest, essentially. So that's where the power of investing comes from. And, realistically, to invest in a a portfolio like in shares or managed funds like your super, we just wanna make sure that you're comfortable investing for about, you know, 5 plus years to get the benefit of doing so. We review them every year. One of the biggest things to sort of take into account is when you're investing in your own name, you actually have to account for income and growth as part of your tax returns. So we do have yeah. Yeah. Yeah. There are. Yeah. Yeah. And that's the other thing. Absolutely. And, look, the and for the for the most part, investing in most structures, you do have to account the income and your capital gains in your personal tax return. If it's jointly, you you might be 50%. You get discounts and things currently on your tax returns and things like that. You can also claim if you get dividends that are paid out. If they're paid out of Australian companies, we get franking credits, which also provide deductions. There's lots of cool fun things that your accountant can do with your investments, but there's also other investment structures like bonds that you invest money in for, say, ten years if you're comfortable investing for that long. And the income of the growth is all sorted and looked after inside that bond. So you actually don't have to account for those every year on your personal tax return. So there are ways to invest in different different structures where it's not gonna affect your personal income tax side of things. It's, you know, long long term investing. There's lots of different fun things that we can look at that we can do. It all comes down to what your goals are, and that kinda comes back to the question about whether you invest in a portfolio or buy a house first. It all comes down to what's more important to you. Is it buying that house and having that place for your family to live in your forever home or, you know, your first home to get you out of the rental market? Or are you more comfortable putting a bit of money away and maybe growing wealth to supplement, you know, super down the track or to, you know, put some money away for university for the kids or to just, you know, hopefully retire a bit earlier. It all just comes down to what your thoughts are. Absolutely not. Absolutely not. Absolutely not. The other side of that is if you wanted to do both, we can always look at your budget, look at your budget planner, and sort of work out where your money is going and how you can save for a deposit over here and then also invest over here, how much you would need to put in. Because one of the biggest things is you have that initial deposit for your investment, but then you also do wanna like, you're super with your super contributions, you also do wanna be making regular deposits into your investments. That does help it grow. Investments will only work so far without having additional contributions. Keep you know, continuously putting capital in is really important as well. So there are ways to do both of those. It just comes down to what your goals are, what's important to you, your time horizon, how much risk you're willing to take on, how long you wanna invest for, and what kind of money you have available to you as well so that we're not over extending and putting money away that you might need to pull out in the short term and, you know, cement losses and things like that. So there's lots of things that we take into account when we are investing, and I'm absolutely happy to have more of a conversation with you both about it, look at what your goals are, look at how we can structure things to benefit you, to build long term wealth, and, you know, hopefully, get you to retire a bit earlier before super accessibility or even to supplement super or even to, you know, be able to use as a deposit in the next ten or so years to buy a house. So there's lots of different Beautiful. Yeah. Yeah. Absolutely. Yeah. Yeah. Yeah. Yeah. Absolutely. And, look, I mean, worst case, if you just wanted to look at buying a house, we can also refer you through to a mortgage broker. So we do have lots of different mortgage brokers that we have access to. Mortgage brokers are at no cost for yourself, and they can even just have a look at your borrowing capacity, you know, and see what you might be able to buy, how much of a deposit you have, what the options are at there for you as, you know, a first home buyer, what grants you may have access to, whether you need to have a guarantor. So we can always refer you through to a mortgage broker to have that conversation with them as well, look at borrowing capacity and see, you know, what's available to you, or, you know, do you just hold off for six months and and, you know, put a bit more money away. So there's also that option. And as I mentioned, the mortgage broker is just a referral through. They'll give you a call. They're no cost to you. They're paid by the bank. They write the loan through. They get commission for those sorts of things. So oh, Oh, nice. Nice. Yeah. Oh, lovely. Oh, fantastic. Yeah. Yeah. Sometimes it's easy to have someone you don't know so personally combing through your financials. Yeah. Absolutely. No. Absolutely fine. And, look, it's it's much of a muchness. It's really dependent upon what your preferences are. So, I mean, you guys have a conversation, talk about what is you're after. If you want another conversation with me come back, I'm more than happy to do so. If you wanna refer to a mortgage broker, I can organize that nice and easily for you. And if you do wanna get Bye bye. Yeah. Yeah. Yeah. Yeah. Yep. Just with myself? Yes. You guys just let me know what you wanna do. To have a conversation, there's no cost for that whatsoever. If we do build an investment portfolio, we do charge or similar to your sleep, we do charge an ongoing management fee for doing so. And I'd sort of give you a bit more of an in-depth chat around what that is together there. If you are just looking for, you know, one of piece of advice in relation to, you know, budgeting or savings and things like that and some personal advice documents, we do charge 750 out of pocket for that one. But it it can just be a general conversation if you just want some general advice or even just a strategy paper, noting down just a couple of different options. That's all fully complimentary. So I can do a lot of different things depending on what you're after, what you're comfortable doing. And the first thing is to get a time when the both of you are there together to really talk about what your goals are. I can send you out a budget planner if you like that you can sort of sit down and maybe go through and sort of fill out if you'd like to to kinda get an idea of where the money is going, how much you've got coming in, where it's all kinda being spent to. And then when you're comfortable yeah. Yep. Yep. Yeah. Yep. Yeah. Absolutely. And, look, when you are when you get booked in and we wanna have conversation with the both of you together, you know, I'll get you to send it to me. We can always go through, have a talk about where the money is going, look at some different options, look at, you know, where you could cut back, where, you know, it might be too hard to cut back. There's lots of different options that we can do, and worst case general advice is completely complimentary. There's no charge whatsoever for just me giving some general advice or referral if that's what you need. So there's a lot of different factors that play into what advice we give and how it works best for you. But I think the first thing is just coming back to having that conversation with the both of you, looking at what what your goals are, what you both wanna achieve together. And before we have that conversation, I think I would suggest that the two of you just talk about it. Sort of, you know, go what's important to you, what's important to him. You know, do you wanna do both? You know, do you wanna just sort of have that conversation about what your goals are together, what you each wanna achieve, and, you know, sort of come to a bit of a compromise on what's comfortable for you both. And then we'll come back and have more of a conversation around that and look at everything in-depth and beautiful. No. We can absolutely help you with that. It is not a problem at all. It's what we do as financial advisers. So, you know, looking forward to helping you meet all those different goals, and I'd love to do a a joint conversation with the both of you and really not out what you're after, what you want, how we achieve that, and have more of a, you know, a goals chat with you both. That'd be fantastic. Beautiful. Absolutely. Yeah. No. That's absolutely fine. This is not a problem at all. But in the meantime, it looks like at the moment, your sleep is working really well. There's no additional No. You are fine. And, look, honestly, that's what this is for. This is what your annual review is for, looking at how things are going with your super insurances, but, also, is there any other advice that you're after? You know, do you have extra questions or anything else that you might be looking at? So we're here to help in all those areas. So, no, you you can use this time for whatever you want. It's it's your time. I work on your time, so it's fine. But, no, honestly, it is you're sorry. You're right? No. You are absolutely fine, honestly. So, look, with your super, there's no additional advice right now to sort of provide. What I'll do is I'll just go back and just have a look to make sure that your super is allocated correctly within that growth portfolio. If you're still comfortable with that eighty twenty split, I probably just wanna do a really quick risk profile questionnaire with you, which was actually answered most of. The only sort of three questions to sort of gauge there is if you did see, like, a big market difference, say, 20% fall in your portfolio over the next, you know, one, two, or even three years, if you saw something big occur, how do you think you might be feeling? Do you think you'd see it as a buying opportunity? Wanna put some more money into your super, maybe hold and wait and call us? Or do you think you'd be a bit nervous and wanting to sell or cement the losses? How do you think you might be reacting? Yep. Perfect. Yep. Hold hold away. Let it come through. Yeah. Absolutely. Perfect. The next question here is how do you consider yourself when you think about the risk versus reward balance? So that essentially shows you that in order to get the highest returns, you've gotta be willing to take on more risk in the market. But to take on higher risk and to get the greater returns, you've gotta be understanding that you're gonna see those downtimes. And the more risk you take, the higher the reward, but also the deeper the drops can be when you're feeling them. Do you think you'd be taking on the highest level of risk to get the best returns you can? Do you think you'd be more moderate, conservative, taking a medium amount of risk to get the best returns you can, or do you consider yourself very much a low risk taker, understanding the returns are smaller with that sort of risk? Medium? Yep. In in between one and two? Yeah. That's fine. Yeah. Yeah. Absolutely. When you sort of think about the growth portfolio, if you consider the risk level between sort of one to five, one being the lowest risk portfolio, five being a 100% in equities and no defensive investments, you're sort of in between that three to four mark. So one is like a sorry. Five is a 100% invested in equities. That's more of an aggressive portfolio. Four is more of a high growth at ninety ten kind of split of growth versus defensive. And then you're sitting in that sort of 80 to 20 split, and that's kind of just under that high growth environment there. So you're not at the highest, not at the lowest, sort of in the middle kind of ground area, which is sort of where I see your comfort level setting. The growth portfolio, as I kinda mentioned, we're aiming to try and get a seven to 9% return. It suits someone who has six years before accessing super. You've got well and truly more than that, and we expect negative return kind of one in every five years. So it does sort of suit where you're at time horizon wise. It sounds like your comfort level is quite comfortable in there as well, so I wouldn't wanna change that. Does that sound right? Are you happy in that kind of environment? Yep. Yeah. Yeah. Absolutely. Yep. Yeah. Definitely. Definitely. Perfect. Well, what I'll do, I'll just go back and just make sure that your growth and defensive assets are still in line with that $80.20 split. If there is a a need to rebalance, I'll send a a record of advice out to you. If there's not, I'll just shoot you an email, let you know that we don't need to make any changes right now, and we'll catch up in six months' time. I'll also just make sure we get that email out with the the details of the solicitor's information there for you. Okay? And you've got your annual review pack there as well, and that has our financial services guide. It's got those documents that we went through as well. It does also have a lovely index chart for you which shows you market reactions and how different investment classes react and why we invest the way we do and how when we do see a downtime, it's important to hold and wait. At the worst case, some people see it as a buying opportunity and wanna put more money into it. But best case scenario, if you're not willing to do so, just hold and wait. Markets do recover. It just depends on how long it takes for them to recover and how much risk you are taking sort of plays into that effect. But all the investments that you're invested in have seen those ups and downs. They've seen DFC events and COVID events, and they've gone through those, and they've come out and recovered from those. So you can rest assured that you're in good quality investments, and that will make sure that we review those with you regularly and make changes as we need to as well. Does that make sense? Beautiful. The only other thing on there is the ongoing service agreement. So that is attached for you as well. That when you click on the sign document, that is the one that is gonna ask you to sign. Your ongoing service fee is 1.1%, and that's because yourself and your partner are both clients of ours. So we look after both of you and have a reduced fee for the two of you. That essentially just is deducted at 1.1 on a yearly basis. Now fee is deducted in smaller monthly increments, so it comes out on a monthly basis in smaller amounts. And it fluctuates with the market. So as a percentage based fee, it does go up and down and fluctuate with markets. So when the markets are higher, when you've had this probably 10% return, it means that we are gonna earn a little bit more. However, when the markets take a bit of a dip, your fee will dive with it as well. So about making sure that you're getting those returns as well. Does that make sense? Beautiful. Do you yeah. Fantastic. Yeah. Yep. Lovely. Yep. Yeah. Absolutely. Yeah. No. Absolutely. And, look, we do have the referral program as well. So if you do refer us on to anyone and they do come on board as a client, we do send out a $100 gift card to you as well. So just to say thank you for the referral. So if anyone does sign on, we'll make sure we give that to you. So just let them know that, you know, if they do come and give us a call or if if there's someone that just wants us to reach out, you're welcome to let us know, provide them information as long as they've given you permission to do so. And we can always reach out to them and have a conversation, introduce ourselves, and explain what financial advisers do. And, yeah, happy to help anyone that we possibly can. We're pretty honest. We'll always do the research first, and then if we're not able to help, we'll let them know. But, yeah, it's always worth having that conversation and looking at what someone's got and when and if financial advice is appropriate to their circumstances. So, no, thank you for that. Really appreciate it. Thank you. Absolutely understandable. Yeah. Yeah. Absolutely. Yep. Fantastic. Thank you so much for that. If I was to get my admin team to send out a a link to our website, would you be open to adding a review there for us at all? Well, this is a business sometimes having word-of-mouth and or online reviews is kinda helpful for other people to look us up as well. Would that be something you're comfortable doing? If you're not, that's absolutely fine. Yeah. Beautiful. I'll in the email, I'll add the little link there for you just to sort of pop onto our website. If you're comfortable leaving your review, that'd be fantastic. And, yeah, we just kind of use that. So, you know, if anyone's looking us up or looking for an adviser, it's kinda handy to have, you know, clients who are really happy with the services to leave a bit of a review there. So I'd really appreciate it, but, look, I don't wanna hold you to it. So if anything comes up, that's okay. You're busy with three kids too. So but thank you so much. I'll add the link to the email there for you. Okay. Oh, fantastic. Yeah. Sure. Yep. They're not bad at all. So one of the benefits of the biggest thing with investing in the Australian market is that you have to, on the ASX, we have what's called a chest registration, which means that every share you buy is registered to your name. These micro investing apps essentially pool money with other investors and allow you to buy partial amounts of shares, and there is absolutely nothing wrong with them. They are still investing in the market. You do still receive income and growth. You can buy smaller parcels of shares and partial amounts, which is great. You do still have to make sure you get your your income statements every year to have on your tax return, but there's absolutely nothing wrong with them, and it is a great way to start that out. Sorry. I would just do a bit of due diligence to have a look at what the information is. But if there's one that you're looking at that you're interested in, you're welcome to send it to me. I can have a look at the pros and cons for you, you know, read up on the websites and see what I can find out information wise, but there's absolutely nothing wrong with those sorts of web sites. They are great to start with and allow you to invest with as little as $20 sometimes. So I think they're great for helping people to start off. They're not always anything that you wanna be in for the longer term, but they're a great way to start and to build a investment portfolio from scratch with a smaller amount of money. Nothing wrong with them at all. Yeah. It really depends. I personally use a couple of different ones. There are like, stake isn't a bad one. It's not so much micro investing for the ASX, so it does micro investing for The US. There are, I believe, spaceships is not bad either. Let me have a look at the other ones here. Sorry. I'll just pull a few up because I can't remember the name of all of them. Yeah. Yeah. Yeah. No. Absolutely. Yep. Yeah. So, like, Comsec Pocket is owned by Commonwealth Bank and part of Comsec, and they let you trade with a minimum of $50. They have, from what I can see here, a $2 brokerage fee per trade of up to 1,000, so that's not too bad. And they let you buy smaller parcels. Raise is probably one of the first that came out. They have a minimum of $5 to start. They do pay the they charge $3.50 per month for standard accounts. But as long as you're making more than that $3.50, it does work out worthwhile. I've heard good things about spaceship. They don't require any minimum starting balance, I believe. And fees, it says $00 per month for balance is under $100, and then they charge $3 per month for standard portfolios once your balance hits that $100 mark. That's actually not bad because they're starting up quite small. And shares, these look like there's another one out there as well. There's no minimum there, and their fee structure is more percentage based. So that one, I'd probably wanna read a bit more about the percentage based there, but I've heard really good things about all of those different micro investing platforms. But in all honesty, there's absolutely nothing wrong with them. They're a great way to start with very small amounts of money. And often with some of them, you can even do, like, roundups. So have it linked if you go and buy a coffee and it rounds up to the nearest whole dollar or nearest $5 to help you invest regularly, which is a good thing too. So, yeah, nothing wrong with them at all. Yeah. That's absolutely. That's what I'm here for. It's not a problem at all. No. That's that's basically everything that we've gone through today. All the other thing is I'll get those beneficiaries sorted out for your one pass as well. So we'll pre fill that information out and help you along with that one. That's everything they've gone through, so feel free to review the annual review documents. If you find there's any questions, let me know, and I'll get those follow-up things sorted for you. Okay? Yeah. Absolutely. More than happy to do it anytime. I hope you have a lovely afternoon. Yep. And bad. Absolutely. Well, you have a lovely evening. My pleasure. Thank you so much for your time, Belinda. Anytime at all. I'll talk to you soon. You have a great afternoon. Thank you for your time. Thanks. See you later. 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Melinda. This is Dana from Oakey Financial. How are you this afternoon? I'm very well. Thank you.\n\nThanks for asking. I had you booked in to go through your annual review. Is now still a good time there for you? That's right. It's been a year.\n\nWow. I know. I know. It's funny. The older we get, the faster years go, but then some weeks, they just drag on.\n\nAbsolutely. All good. Look. Before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nFantastic. And just to do security there with you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yes. That's fine. Beautiful.\n\nThank you so much for that. How cold is it down there at the moment? Oh, really? Wow. Yep.\n\nYeah. Wow. Wow. I mean, here on the Gulf Coast, it's done nothing but rain for the past several weeks. And then we had a lovely sunny weekend, and then it's back to raining again now.\n\nSo I kinda feel your pain. It's just it's just gonna stop. Yeah. Yeah. Yeah.\n\nWow. Hopefully, we all get some sun soon. It'll be nice to see that sunshine for a bit. I know. Absolutely.\n\nJust gonna go outside, I think, even just to do some gardening or mow the lawn. I don't mind. It looks like the Amazon at the moment. It's horrible. That's it.\n\nThat's right. Yeah. Oh, all good. With regard to the annual review, before we kinda jump into things there, is there anything particular you wanted to ask me or wanted me to sort of touch on as part of the annual review? No.\n\nThat's okay. That's not a problem at all. Well, what I'll do, I'm gonna send through an email to you. Are you able to access your emails at the moment? If you're not, that's absolutely okay.\n\nYep. Beautiful. I'm sending you an email to you just with a couple of documents attached. It's got your ongoing service agreement for the next twelve months. I've got some attachments in there for you, which contain your superannuation and insurance summary, and it's also got the internal rate of return report there.\n\nSo when that pops through, if you wanted to open those up, I can take you through what your super has been doing. Yes. So with that one there, you don't have to press that one at the moment. If you I'm just sort of thinking the easiest way. I'm pretty sure you should be able to see some attachments on the front page.\n\nIf not, you might need to go through to the next screen. I think if you scroll down, is it showing you the attachments below that? Yep. Beautiful. So one of the attachments should say superannuation summary.\n\nThat's okay. That's the one. Yeah. Beautiful. Sorry.\n\nWe use Odoo now. I'm still sort of learning the system a little bit, but I'm I was pretty sure it showed those attachments below the signature request for you to make it a bit easier. But if you're able to open that attachment there with your super and insurance summary, is that opening up okay for you? Might take a second. Sorry.\n\nDo you have a downloads folder? Or Yeah. Absolutely. You're fine. Not a problem at all.\n\nOh, that's absolutely fine. She's the boss. Excellent. All good. No.\n\nNot a problem at all. If anything comes up with the kids and you need me to stop, just let me know straight away. It's not an issue at all. Oh, good. Beautiful.\n\nSo with that's alright. So with this one here, it's giving you a updated summary as of your super balance as of the June 4 there, which is when we prepared the documents for you. So having a look at things, I can have give you your balance from last year as well. So your balance as of this time last year was about $59,001.09 3. So 59,193 and 49¢ there.\n\nYour balance now is $69,001.46 and 53¢. We have seen a really good increase in your super. When I have a really good look at how everything has performed, your super as a net return has provided a 10.21%. That's showing earnings and growth from the portfolio of over $7,417. So your portfolio has been working really well for the year even with the ups and downs we are seeing in the market this year with what's happening between The US and Iran and also with the high inflation here within Australia, your super has performed really nicely.\n\nAll the investments are showing a positive return, and the net return that you've received is up over 10.21%. So that's a really good solid result. Really happy with that. Yeah. Underneath that, you've also got your insurance policy.\n\nSo you'll see when we initially recommended the insurances last year, we had recommended about 620,000 to apply for for life and CPD. Now these policies are indexed along with CPI. So the idea is that they do increase over time with the amount that you're able to claim, and that's so it holds its dollar it holds its buying power. The idea is we wanna make sure if you had to make a claim, a million dollars now isn't worth a million dollars in five years' time. So we wanna make sure that your life and TPD cover holds its buying capacity and increases over time along with CPI.\n\nSo you'll see your current sum insured of life and TPD is about 651,000. One of the things we sort of talked about with your original goal for your life and TPD was that you wanted to replace your income. So you wanted to replace about sixteen years worth of your income and also have a bit of a buffer with your TBD to make sure that you have an extra 200,000 sitting there for replacement costs or medical expenses or, you know, modifications or any kind of re rehabilitation that was required. So this has definitely increased from where it was if we kind of looked at this. Now income wise, we had you on about 32,000 last year.\n\nAre you on about the same, or have you been lucky enough to get a pay rise there at all? That's okay. About 32. Yeah. Perfect.\n\nSo if I looked at the $6.51 there and sort of divided that by the income that we have, the 32,000, it essentially means that based on replacing your income, you'd be able to replace that twenty years worth of income currently. So that's that 16,000, but still giving you a bit of a buffer there. With life cover, your super is also paid out on top of that. So it's a $6.51 plus your super balance that gets paid to your beneficiaries. And I'm just making sure that we have the beneficiaries noted correctly as well.\n\nYep. Bit of a trouble with the document. Yep. No. That's okay.\n\nSo I'm having a look at your super fund. Your beneficiary nomination You have a binding non lapsing nomination, which means that you don't ever have to fill that format again unless something happened and you wanted to change that nomination. It is applied to pay a 100% of your super to your partner. So that's all exactly as you would like it to be? The no.\n\nThat's absolutely fine. Now having a look at your one pass one, it looks like the beneficiary on your one pass policy isn't quite added. So that must have been the one that we had some issues with there. Would you like me to I can prefill that beneficiary nomination for one pass so that it is all filled out correctly, And then we just send it through to you, and you just have to have it signed and witnessed and just making sure your partner is not one of the witnesses. Does that sound okay if we do it that way to make sure this is applied to your life cover as well?\n\nYep. Fantastic. Now I'm just gonna bring up the beneficiary I have here to make sure that the details are correct. So I've pre filled the form accurately for you because I don't want you to go through the same problem again, and these forms can be a little bit difficult. They are honestly sometimes the bane of our existence.\n\nAnd these super funds and life insurance companies to have these nominations applied, they can be a bit painful. So let's just there we go. Okay. So I've got your partner's name, and everything is fine here. Date of birth should be the seventeenth of the fifth nineteen eighty eight.\n\nIs that right? Fantastic. He doesn't note himself down as being a male. I just have to double check that one. Yeah.\n\nBeautiful. And I'll tick the spouse button there for you. And with your life cover, are you again wanting a 100% to be nominated to him? Yep. Beautiful.\n\nI just need to make sure I clarify those details for you so I fill it out as per your instructions there. So what I'll do is I'll pre fill that beneficiary for the life cover for you. I'll have my team send it out. Do you prefer email or post or both? What would be the easiest way to get that document to you?\n\nEmail? Yeah. No. Not a problem at all. So when it comes through, we'll just get you to print a sign it, have two witnesses signed the same time you do.\n\nJust one can't be the person you've nominated as the beneficiary. So if you got two friends or two work colleagues or just someone that's available to sign at the same time you do, and then just scan and send it back or take a photo and send it back to us, and we can have that applied there for you. Okay? Fantastic. We'll try and make that one nice and easy for you so that all your boxes are ticked.\n\nThe last thing we want is anything to happen and for your partner to have trouble trying to claim on that one to make it easier on him. So, yeah. Absolutely. He knows where to call. That's perfect.\n\nExcellent. Just having a look. So your life and TPD amounts are pretty well accurate there. They've just increased a little bit. It does also show you on the document there how much you pay for those out of your super for the year.\n\nYou've also got your income protection policy there as well. So I'm just sort of double checking with that. It does again go up a little bit with CPI there. Sorry. My computer's a little bit slow.\n\nWe're working on, say, 32,000 as an income amount. Buy that by monthly. So about $1.08. So, realistically, if anything was to happen with income protection, you can be covered for up to 70% of your income there. Your monthly benefit of about 1,661 pretax is a little bit underinsured from where you are.\n\nHowever, you do also have the super contribution amount. So it does mean that an extra $391 per month would be added into super if you were on a claim there. If anything was to happen and you were on for income protection, would that amount, the $16.61 plus your partner's income, be sufficient for your regular expenses each month, or would you like to maybe look at trying to increase that a bit, or what's your thought? Yeah. It's based off the income that we had when we did the yeah.\n\nWhen we did your your insurance application, it does go up along with CTI. So it is sorta increasing a little bit each year as well with the monthly benefit, but it doesn't always keep up with income or wage growth at the same time. So it's really up to you. If you're comfortable just to leave it as is for the moment, that's absolutely fine. We can always come back and review it at any time if you'd like to.\n\nYep. It is. It is. Insurance, this is one of those sort of catch 20 twos. You wanna have the right level of cover to protect you if something was to happen, but there's, you know, possibly a one or 2% chance that you are gonna actually claim on them.\n\nAnd the biggest risk is you have the insurance. If you pay the premiums and never actually make a claim, and then you get to retirement, don't need them, cancel them, and you've paid all the money for cover you've never claimed on or required. So it's one of those one of those things, really. So you've got your life, your TPD, your income protection at the moment. You're sorta happy to keep those as they are.\n\nLastly, you didn't wanna look at any kind of cover held out of pocket like trauma. Did you wanna kinda revisit those at the moment, or you're happy just with the cover you have? Yep. Beautiful. I mean, you can cover basically everything, can't you, the types of insurances that are out there?\n\nYou could be paying a a a phenomenal amount of premiums if we looked at covering absolutely everything. It'd be insane. Yeah. Yeah. And, look, if anything ever changed and you wanted to revisit those, you don't have to wait till annual review time.\n\nWe can always have ad hoc conversations at any time throughout the year. If there's something you wanna ask or something that's important to you or you just wanna revisit the insurance or even have questions, just give us a call. My team will absolutely make this time for me to give you a call and have a bit of a chat. Okay? Fantastic.\n\nOn the note of trauma, now we're not looking at any additional cover for you at the moment, but just so you are aware down the track, if you do wanna look at trauma, you can also get other policies like child trauma, which pays out a lump sum tax free benefit in the event that your child is diagnosed with traumatic illnesses or, you know, diagnoses. So if there's ever anything that you wanted to talk about or look at down the track there with any kind of trauma or child protection trauma, you know, benefit, please let me know. Okay? Fantastic. So that's your super and your insurances.\n\nLooking really well. Happy with the return there. All your investments within the super fund are working really nicely. Everything is up. On that email, you also have the performance report, I believe, called hub twenty four super performance with the date the fourth of the sixth on it.\n\nIf you wanted to sort of open that one up, you can have a bit of a look at the investments within. And on the second page, it does kinda show you that 10.21% returns. You can see that your super has been working really, really nicely there. Okay? There it is.\n\nThat's okay. Now with your investment portfolio, you're invested in more of a growth environment. So as we kinda discussed last year, you generally see that 80% of your super invested in growth assets, like Australian and international equities, property, and also commodities like precious metals and gold and silver there. Your gold is definitely one of your best performers for the year in your super, which has been really, really great to see. With this sort of growth environment there, the returns are expected to be generally between that seven to 9%.\n\nSo the fact that you've received a 10% return for the year means that your portfolio has overperformed the expectations. So that's a really good sign. Yeah. And not to mention yeah. Absolutely.\n\nAnd, look, even when I'm sort of having a look at how everything's been tracking, I tend to you like to use the all ordinaries as a bit of a a benchmark for you because the all ordinaries encompasses essentially most of the market. It focuses on the largest companies, which essentially shows you and is an indicator of how the total market has been performing. When I have a look at your super and how it has been tracking, it has been tracking in line with your ordinaries and been going up and down in the same sort of pattern. So, essentially, you're not tracking against the market. There's nothing that needs to really be changed at the moment investment wise.\n\nI'd probably just go back and just make sure you still are invested in line with that 20%. So long as everything's fine, there'll be nothing left to do. If I do come back and find that we need to maybe rebalance something, I'll let you know. Is that okay? Yep.\n\nBeautiful. Everything yeah. Absolutely. And, look, honestly, the biggest point was, I mean, from where you came last year, we did see a bit of a dip around about November last year, but then we saw your your portfolio come back, recover up until about the March 2. And then it's seen a bit more of a dip around that mid to end of March.\n\nAbout the twentieth was the biggest dip we saw. And that was very much in line with what was happening in the market as a whole, with what was happening with The US and Iran. And then from there, your portfolio has come back. You've almost recovered to where you were pre that dip, and then there's just some minor volatility after that. So you're tracking along really, really nicely.\n\nIt's a good positive start. And one of the things you'll probably notice is when you look at a 10% return with your current balance there, that 10% return as a dollar figure is about 7,417. As your balance in increases, that sort of a return will have a much bigger earnings dollar figure attached to it. So as your balance increases, smaller changes to your portfolio make a bigger difference. Yes.\n\nSo that'll be something to kind of keep tracking, keep looking at as we compound things forward for you. But do you have any questions about your suit for the insurance? Is there anything I've kind of gone through with you at the moment? No? Thank you.\n\nDefinitely keep trying. Did you want me to do a bit of a catch up in the next sort of three, six months for you just to sort of see how things are tracking in that time frame with the volatility that we are going through at the moment, or did you want just another twelve months? Yeah. Absolutely. I'll pop it down there for you.\n\nWould you prefer three or six months there, Melinda? Six months. Yep. Yeah. Absolutely.\n\nNo. Not a problem at all. I'll pop that in my calendar then. My team will book you in, give you a call just before that six month mark, and they'll book you in so we can have a bit of a catch up there just ready and in time for the Christmas break for us all. Okay?\n\nFantastic. I just also wanted to run through and just kind of update any additional details that we might have for you. I've confirmed your income. Last year, when we kinda spoke, you were able to save about $200 per week. What's the expenditure looking like?\n\nAre you still managing to save or put some money away, or is it a bit hard at the moment? Yeah. Mhmm. Yep. Yep.\n\nFantastic. Yeah. Oh, absolutely. Absolutely. No.\n\nNot a problem at all. Fantastic. Looking at your other assets and liabilities we had here, we had the 2,015 Nissan X Trail. Noted asset value was about 16,000 last year. What sort of value would you put on that now if you had to sell the vehicle?\n\nWhat would you want for it? Yeah. Yeah. Perfect. Yep.\n\nNo. That's okay. Fantastic. Excellent. And I've also got the 2004 Nissan Navara with a an estimated value of 8,500.\n\nWould you wanna change or alter that value at all? Yeah. Yeah. Yeah. No.\n\nNo. Nothing. It's just sort of looking at your overall asset position, you know, your asset and liability position, essentially, just sort of keeping track of what value you bring back to you. But it's also about you know, we're not sort of looking at the expected value of the market as a whole or depreciation cost. It's just if you sort of sold the property or sold that vehicle, what would you wanna get for it?\n\nWhat value is it to you? So you you're welcome to keep it as it is. If you'd like, it's absolutely fine. Yeah. Yeah.\n\nYeah. No. That's okay. Beautiful. All good.\n\nDid you want me just to decrease it down by 500, maybe say 8,000 average? Sorry. Yeah. No worries. And contents there, we had noted a value of about 60,000, and that can be quite difficult to estimate the placement cost of all of your belongings.\n\nBut would you change the asset value of your contents at all? No. No. That's absolutely fine. No.\n\nThat's okay. Let me have a quick look for you. And just double checking. So three bedroom home, you said, and you guys have got three kids. Family of five.\n\nOkay. So average cost. So the average replacement cost are estimated for a family of five in a three bedroom home of typically between a 150 to 200,000. That's fairly standard. I know.\n\nNo. That's okay. Yep. Absolutely. No.\n\nThat's okay. That's absolutely not a problem at all. Perfect. So I've just updated that for you. Fantastic.\n\nAnd then I've also got down here that you guys are renting. You were were paying about 320 per week. Has your rent increased at all? It has. What are we paying now?\n\n$4.20 per week. Beautiful. Thank you for updating those. Any new cars, boats, caravans, investments, collections, or anything else of value you wanna note down at all? No?\n\nBeautiful. We also had noted that you hadn't done a will and power of attorney last year. I know part of the advice was to speak to a solicitor and have your power of attorney and will complete it. But have you guys thought about doing that or talked about it or had that done in the last twelve months at all? No.\n\nThat's understand. Yeah. Yeah. No. Understandable.\n\nUnderstandable. That's absolutely fine. It is still really important to do. I think one of the biggest things to consider when you're doing your estate planning, having a will done up, is taking into account your cars that might have to be sold off, you know, any tools of trade that you guys might have, but also take into account the power of attorney. So if you say, as an example, had a car accident and you were unable to make decisions for yourself, whether it be medical or financial, having a power of attorney in place as part of your overall estate planning means that somebody has direction as to what you want to happen in certain instances or how you want them to act on your behalf.\n\nBut also because you guys do have kids having a guardianship in place. So if something happens to the both of you, what do you want to happen to your kids? Yeah. Yeah. Yeah.\n\nThe other thing is, like, with the will, just the way you kinda can structure it, and this is a bit of an example. I mean, I've got kids to my ex husband as well as kids to my current husband now, and my will was set up so that everything I had would get sold and put into trust so my kids would be receiving income. Also, the person that looked after them, you know, the guardian would receive income to cover school costs and things like that. So the other aspect is being able to sell off your cars, boats, caravans, savings accounts, things like that in the event that something happened and what you want to happen to that money so it's to support your children for longevity. So there's, you know, a lot of things to kinda consider there, but having a really good chat to us, Melissa, can kind of give you guys a little bit more, you know, of an idea of what you want to happen and really kinda make you think about what it is what if something happened to us, and how would we want it structured, and how would we want the kids looked after, and who by?\n\nAnd, you know, if I something happens to me, what do I want to happen? What questions do I want asked? And who do I trust to make those financial and or medical decisions on my behalf? So it it can be quite a powerful document, but I still do recommend going, you know, speak to a solicitor and have that Yeah. Yeah.\n\nNo. That's okay. Did we end up sending through some details on a local solicitor and some costing around the will and power of attorney side of things to you last year at all? Did anyone send that through? No.\n\nThat's okay. If you like, we can do up a bit of an email with it's more of just a a general information email. It has a costing of one of the local solicitors that we use. It sort of shows you how much it costs to do a will and a power of attorney to start the conversation between you both, and that might sort of give you a bit of a helping hand there. And then, yeah, to start that conversation, then if you do have a local solicitor that you are comfortable talking to, you're welcome to kind of visit them as well and sort of have that conversation and look at how best to structure things outside of your super and your life insurance to protect everything that you've worked so hard for.\n\nYeah. Beautiful. Well, I'll get that email done up for you. It's not a problem at all, but thank you for updating all those details there. The other thing is looking at your goals as well.\n\nSo we were tracking forward retirement around about age 65, hoping to draw about a thousand dollars a week. Is that still what we're tracking for with Super? Yeah. That's okay. No.\n\nThat's okay. Yeah. Absolutely. And, look, you don't have to wait till age 65. If you decide at 60 you wanna retire, you can let me know.\n\nThat's absolutely fine, and we'll make sure we update things as we are tracking towards those ages. But as an under the current Hopefully not. I want you to enjoy those years. No. All good.\n\nWell, I'll keep it at 65 for the moment. You still got a lot of time ahead of you. You've only just turned 34, so you've got a lot of time ahead of you before you're able to retire. So a lot of tracking and possibly advice alterations in that time frame that we'll be able to make for you. So beautiful.\n\nExcellent. Other goals that we have noted down here, we were looking at sorry. Cash flow and budgeting. You just wanted to take some holidays every couple of years. Do you have any holidays planned for this year or not really yet?\n\nMhmm. Yep. Yep. That's it. Yep.\n\nYeah. Yep. Nice. Yeah. Yeah.\n\nThat that'd be fantastic. That'd make some memories with the kids and get out and see some things. Yeah. Yep. Yep.\n\nWow. Yep. Yeah. Yeah. Yep.\n\nFantastic. Yeah. Absolutely. So purchasing a house on the cards there as well, that is great. We'll pop that down as a medium term goal.\n\nI know it can be difficult. It's yeah. Every year, you're the same. Yes. Yes.\n\nYes. Oh, wow. Yeah. Wow. Yep.\n\nYeah. Yeah. Yeah. Absolutely. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Beautiful. Absolutely. No. Completely understandable.\n\nWell, when you guys are ready to look at investing, we can help you with investment portfolios similar to your super, look at joint structures, and look at ways to invest to build that kind of wealth outside of super. So if that is something that you just wanted to have a joint conversation with me about, we're absolutely happy to help and provide additional advice in those areas for you. Yeah. Sure. Yeah.\n\nGo on me. Yeah. Yeah. No. Absolutely.\n\nIt's taking that plunge, and I think that's probably the hardest thing. So what we would sort of wanna see is if you have, you know, saved up a little bit of money, some investment platforms that are comfortable with, you know, 1 or $2,000, whereas others might need a a good deposit of 20 or 30 to make it worthwhile. But we have access to lots of different investment structures like Hub twenty four, like your super, or other investment platforms that require a smaller balance of, say, 1,000 or 2,000. So we wanna sort of see what you've got as a deposit or as an initial investment amount, build a portfolio around what your goals are. In as I mentioned in your super, you've got that growth asset allocation of $80.20 split between growth and defensive investments.\n\nWhereas we do tend to find when you're investing in your own name outside of super, because you can access that money in the short term, you tend to be a little bit more risk averse. You tend to not wanna take as much risk as what you're comfortable within your super. So we wanna sort of have a look at what both of you feel, you know, do a risk profile questionnaire between the two of you to sort of see how you feel about investing, what you're comfortable with risk wise, and how much return you're looking to achieve. We'd also wanna find out the time horizon, how long you're wanting to invest for. I would personally never invest money that you wanna use in the next three to five years.\n\nInvesting, same as super, is meant to be a long term sort of, project and medium to long term. You wanna invest for five plus years, because investing money for a longer time allows you to compound. One of the biggest, most powerful things we have is compounding. It's when you say put a thousand dollars. If you put a $100 into an investment, it makes you a $100.\n\nThat $100 is then reinvested, and that $100 makes another $200. And then, like, you know, you reinvest that. So your capital makes interest. That interest reinvested compounds and becomes, you know, compounding interest, essentially. So that's where the power of investing comes from.\n\nAnd, realistically, to invest in a a portfolio like in shares or managed funds like your super, we just wanna make sure that you're comfortable investing for about, you know, 5 plus years to get the benefit of doing so. We review them every year. One of the biggest things to sort of take into account is when you're investing in your own name, you actually have to account for income and growth as part of your tax returns. So we do have yeah. Yeah.\n\nYeah. There are. Yeah. Yeah. And that's the other thing.\n\nAbsolutely. And, look, the and for the for the most part, investing in most structures, you do have to account the income and your capital gains in your personal tax return. If it's jointly, you you might be 50%. You get discounts and things currently on your tax returns and things like that. You can also claim if you get dividends that are paid out.\n\nIf they're paid out of Australian companies, we get franking credits, which also provide deductions. There's lots of cool fun things that your accountant can do with your investments, but there's also other investment structures like bonds that you invest money in for, say, ten years if you're comfortable investing for that long. And the income of the growth is all sorted and looked after inside that bond. So you actually don't have to account for those every year on your personal tax return. So there are ways to invest in different different structures where it's not gonna affect your personal income tax side of things.\n\nIt's, you know, long long term investing. There's lots of different fun things that we can look at that we can do. It all comes down to what your goals are, and that kinda comes back to the question about whether you invest in a portfolio or buy a house first. It all comes down to what's more important to you. Is it buying that house and having that place for your family to live in your forever home or, you know, your first home to get you out of the rental market?\n\nOr are you more comfortable putting a bit of money away and maybe growing wealth to supplement, you know, super down the track or to, you know, put some money away for university for the kids or to just, you know, hopefully retire a bit earlier. It all just comes down to what your thoughts are. Absolutely not. Absolutely not. Absolutely not.\n\nThe other side of that is if you wanted to do both, we can always look at your budget, look at your budget planner, and sort of work out where your money is going and how you can save for a deposit over here and then also invest over here, how much you would need to put in. Because one of the biggest things is you have that initial deposit for your investment, but then you also do wanna like, you're super with your super contributions, you also do wanna be making regular deposits into your investments. That does help it grow. Investments will only work so far without having additional contributions. Keep you know, continuously putting capital in is really important as well.\n\nSo there are ways to do both of those. It just comes down to what your goals are, what's important to you, your time horizon, how much risk you're willing to take on, how long you wanna invest for, and what kind of money you have available to you as well so that we're not over extending and putting money away that you might need to pull out in the short term and, you know, cement losses and things like that. So there's lots of things that we take into account when we are investing, and I'm absolutely happy to have more of a conversation with you both about it, look at what your goals are, look at how we can structure things to benefit you, to build long term wealth, and, you know, hopefully, get you to retire a bit earlier before super accessibility or even to supplement super or even to, you know, be able to use as a deposit in the next ten or so years to buy a house. So there's lots of different Beautiful. Yeah.\n\nYeah. Absolutely. Yeah. Yeah. Yeah.\n\nYeah. Absolutely. And, look, I mean, worst case, if you just wanted to look at buying a house, we can also refer you through to a mortgage broker. So we do have lots of different mortgage brokers that we have access to. Mortgage brokers are at no cost for yourself, and they can even just have a look at your borrowing capacity, you know, and see what you might be able to buy, how much of a deposit you have, what the options are at there for you as, you know, a first home buyer, what grants you may have access to, whether you need to have a guarantor.\n\nSo we can always refer you through to a mortgage broker to have that conversation with them as well, look at borrowing capacity and see, you know, what's available to you, or, you know, do you just hold off for six months and and, you know, put a bit more money away. So there's also that option. And as I mentioned, the mortgage broker is just a referral through. They'll give you a call. They're no cost to you.\n\nThey're paid by the bank. They write the loan through. They get commission for those sorts of things. So oh, Oh, nice. Nice.\n\nYeah. Oh, lovely. Oh, fantastic. Yeah. Yeah.\n\nSometimes it's easy to have someone you don't know so personally combing through your financials. Yeah. Absolutely. No. Absolutely fine.\n\nAnd, look, it's it's much of a muchness. It's really dependent upon what your preferences are. So, I mean, you guys have a conversation, talk about what is you're after. If you want another conversation with me come back, I'm more than happy to do so. If you wanna refer to a mortgage broker, I can organize that nice and easily for you.\n\nAnd if you do wanna get Bye bye. Yeah. Yeah. Yeah. Yeah.\n\nYep. Just with myself? Yes. You guys just let me know what you wanna do. To have a conversation, there's no cost for that whatsoever.\n\nIf we do build an investment portfolio, we do charge or similar to your sleep, we do charge an ongoing management fee for doing so. And I'd sort of give you a bit more of an in-depth chat around what that is together there. If you are just looking for, you know, one of piece of advice in relation to, you know, budgeting or savings and things like that and some personal advice documents, we do charge 750 out of pocket for that one. But it it can just be a general conversation if you just want some general advice or even just a strategy paper, noting down just a couple of different options. That's all fully complimentary.\n\nSo I can do a lot of different things depending on what you're after, what you're comfortable doing. And the first thing is to get a time when the both of you are there together to really talk about what your goals are. I can send you out a budget planner if you like that you can sort of sit down and maybe go through and sort of fill out if you'd like to to kinda get an idea of where the money is going, how much you've got coming in, where it's all kinda being spent to. And then when you're comfortable yeah. Yep.\n\nYep. Yeah. Yep. Yeah. Absolutely.\n\nAnd, look, when you are when you get booked in and we wanna have conversation with the both of you together, you know, I'll get you to send it to me. We can always go through, have a talk about where the money is going, look at some different options, look at, you know, where you could cut back, where, you know, it might be too hard to cut back. There's lots of different options that we can do, and worst case general advice is completely complimentary. There's no charge whatsoever for just me giving some general advice or referral if that's what you need. So there's a lot of different factors that play into what advice we give and how it works best for you.\n\nBut I think the first thing is just coming back to having that conversation with the both of you, looking at what what your goals are, what you both wanna achieve together. And before we have that conversation, I think I would suggest that the two of you just talk about it. Sort of, you know, go what's important to you, what's important to him. You know, do you wanna do both? You know, do you wanna just sort of have that conversation about what your goals are together, what you each wanna achieve, and, you know, sort of come to a bit of a compromise on what's comfortable for you both.\n\nAnd then we'll come back and have more of a conversation around that and look at everything in-depth and beautiful. No. We can absolutely help you with that. It is not a problem at all. It's what we do as financial advisers.\n\nSo, you know, looking forward to helping you meet all those different goals, and I'd love to do a a joint conversation with the both of you and really not out what you're after, what you want, how we achieve that, and have more of a, you know, a goals chat with you both. That'd be fantastic. Beautiful. Absolutely. Yeah.\n\nNo. That's absolutely fine. This is not a problem at all. But in the meantime, it looks like at the moment, your sleep is working really well. There's no additional No.\n\nYou are fine. And, look, honestly, that's what this is for. This is what your annual review is for, looking at how things are going with your super insurances, but, also, is there any other advice that you're after? You know, do you have extra questions or anything else that you might be looking at? So we're here to help in all those areas.\n\nSo, no, you you can use this time for whatever you want. It's it's your time. I work on your time, so it's fine. But, no, honestly, it is you're sorry. You're right?\n\nNo. You are absolutely fine, honestly. So, look, with your super, there's no additional advice right now to sort of provide. What I'll do is I'll just go back and just have a look to make sure that your super is allocated correctly within that growth portfolio. If you're still comfortable with that eighty twenty split, I probably just wanna do a really quick risk profile questionnaire with you, which was actually answered most of.\n\nThe only sort of three questions to sort of gauge there is if you did see, like, a big market difference, say, 20% fall in your portfolio over the next, you know, one, two, or even three years, if you saw something big occur, how do you think you might be feeling? Do you think you'd see it as a buying opportunity? Wanna put some more money into your super, maybe hold and wait and call us? Or do you think you'd be a bit nervous and wanting to sell or cement the losses? How do you think you might be reacting?\n\nYep. Perfect. Yep. Hold hold away. Let it come through.\n\nYeah. Absolutely. Perfect. The next question here is how do you consider yourself when you think about the risk versus reward balance? So that essentially shows you that in order to get the highest returns, you've gotta be willing to take on more risk in the market.\n\nBut to take on higher risk and to get the greater returns, you've gotta be understanding that you're gonna see those downtimes. And the more risk you take, the higher the reward, but also the deeper the drops can be when you're feeling them. Do you think you'd be taking on the highest level of risk to get the best returns you can? Do you think you'd be more moderate, conservative, taking a medium amount of risk to get the best returns you can, or do you consider yourself very much a low risk taker, understanding the returns are smaller with that sort of risk? Medium?\n\nYep. In in between one and two? Yeah. That's fine. Yeah.\n\nYeah. Absolutely. When you sort of think about the growth portfolio, if you consider the risk level between sort of one to five, one being the lowest risk portfolio, five being a 100% in equities and no defensive investments, you're sort of in between that three to four mark. So one is like a sorry. Five is a 100% invested in equities.\n\nThat's more of an aggressive portfolio. Four is more of a high growth at ninety ten kind of split of growth versus defensive. And then you're sitting in that sort of 80 to 20 split, and that's kind of just under that high growth environment there. So you're not at the highest, not at the lowest, sort of in the middle kind of ground area, which is sort of where I see your comfort level setting. The growth portfolio, as I kinda mentioned, we're aiming to try and get a seven to 9% return.\n\nIt suits someone who has six years before accessing super. You've got well and truly more than that, and we expect negative return kind of one in every five years. So it does sort of suit where you're at time horizon wise. It sounds like your comfort level is quite comfortable in there as well, so I wouldn't wanna change that. Does that sound right?\n\nAre you happy in that kind of environment? Yep. Yeah. Yeah. Absolutely.\n\nYep. Yeah. Definitely. Definitely. Perfect.\n\nWell, what I'll do, I'll just go back and just make sure that your growth and defensive assets are still in line with that $80.20 split. If there is a a need to rebalance, I'll send a a record of advice out to you. If there's not, I'll just shoot you an email, let you know that we don't need to make any changes right now, and we'll catch up in six months' time. I'll also just make sure we get that email out with the the details of the solicitor's information there for you. Okay?\n\nAnd you've got your annual review pack there as well, and that has our financial services guide. It's got those documents that we went through as well. It does also have a lovely index chart for you which shows you market reactions and how different investment classes react and why we invest the way we do and how when we do see a downtime, it's important to hold and wait. At the worst case, some people see it as a buying opportunity and wanna put more money into it. But best case scenario, if you're not willing to do so, just hold and wait.\n\nMarkets do recover. It just depends on how long it takes for them to recover and how much risk you are taking sort of plays into that effect. But all the investments that you're invested in have seen those ups and downs. They've seen DFC events and COVID events, and they've gone through those, and they've come out and recovered from those. So you can rest assured that you're in good quality investments, and that will make sure that we review those with you regularly and make changes as we need to as well.\n\nDoes that make sense? Beautiful. The only other thing on there is the ongoing service agreement. So that is attached for you as well. That when you click on the sign document, that is the one that is gonna ask you to sign.\n\nYour ongoing service fee is 1.1%, and that's because yourself and your partner are both clients of ours. So we look after both of you and have a reduced fee for the two of you. That essentially just is deducted at 1.1 on a yearly basis. Now fee is deducted in smaller monthly increments, so it comes out on a monthly basis in smaller amounts. And it fluctuates with the market.\n\nSo as a percentage based fee, it does go up and down and fluctuate with markets. So when the markets are higher, when you've had this probably 10% return, it means that we are gonna earn a little bit more. However, when the markets take a bit of a dip, your fee will dive with it as well. So about making sure that you're getting those returns as well. Does that make sense?\n\nBeautiful. Do you yeah. Fantastic. Yeah. Yep.\n\nLovely. Yep. Yeah. Absolutely. Yeah.\n\nNo. Absolutely. And, look, we do have the referral program as well. So if you do refer us on to anyone and they do come on board as a client, we do send out a $100 gift card to you as well. So just to say thank you for the referral.\n\nSo if anyone does sign on, we'll make sure we give that to you. So just let them know that, you know, if they do come and give us a call or if if there's someone that just wants us to reach out, you're welcome to let us know, provide them information as long as they've given you permission to do so. And we can always reach out to them and have a conversation, introduce ourselves, and explain what financial advisers do. And, yeah, happy to help anyone that we possibly can. We're pretty honest.\n\nWe'll always do the research first, and then if we're not able to help, we'll let them know. But, yeah, it's always worth having that conversation and looking at what someone's got and when and if financial advice is appropriate to their circumstances. So, no, thank you for that. Really appreciate it. Thank you.\n\nAbsolutely understandable. Yeah. Yeah. Absolutely. Yep.\n\nFantastic. Thank you so much for that. If I was to get my admin team to send out a a link to our website, would you be open to adding a review there for us at all? Well, this is a business sometimes having word-of-mouth and or online reviews is kinda helpful for other people to look us up as well. Would that be something you're comfortable doing?\n\nIf you're not, that's absolutely fine. Yeah. Beautiful. I'll in the email, I'll add the little link there for you just to sort of pop onto our website. If you're comfortable leaving your review, that'd be fantastic.\n\nAnd, yeah, we just kind of use that. So, you know, if anyone's looking us up or looking for an adviser, it's kinda handy to have, you know, clients who are really happy with the services to leave a bit of a review there. So I'd really appreciate it, but, look, I don't wanna hold you to it. So if anything comes up, that's okay. You're busy with three kids too.\n\nSo but thank you so much. I'll add the link to the email there for you. Okay. Oh, fantastic. Yeah.\n\nSure. Yep. They're not bad at all. So one of the benefits of the biggest thing with investing in the Australian market is that you have to, on the ASX, we have what's called a chest registration, which means that every share you buy is registered to your name. These micro investing apps essentially pool money with other investors and allow you to buy partial amounts of shares, and there is absolutely nothing wrong with them.\n\nThey are still investing in the market. You do still receive income and growth. You can buy smaller parcels of shares and partial amounts, which is great. You do still have to make sure you get your your income statements every year to have on your tax return, but there's absolutely nothing wrong with them, and it is a great way to start that out. Sorry.\n\nI would just do a bit of due diligence to have a look at what the information is. But if there's one that you're looking at that you're interested in, you're welcome to send it to me. I can have a look at the pros and cons for you, you know, read up on the websites and see what I can find out information wise, but there's absolutely nothing wrong with those sorts of web sites. They are great to start with and allow you to invest with as little as $20 sometimes. So I think they're great for helping people to start off.\n\nThey're not always anything that you wanna be in for the longer term, but they're a great way to start and to build a investment portfolio from scratch with a smaller amount of money. Nothing wrong with them at all. Yeah. It really depends. I personally use a couple of different ones.\n\nThere are like, stake isn't a bad one. It's not so much micro investing for the ASX, so it does micro investing for The US. There are, I believe, spaceships is not bad either. Let me have a look at the other ones here. Sorry.\n\nI'll just pull a few up because I can't remember the name of all of them. Yeah. Yeah. Yeah. No.\n\nAbsolutely. Yep. Yeah. So, like, Comsec Pocket is owned by Commonwealth Bank and part of Comsec, and they let you trade with a minimum of $50. They have, from what I can see here, a $2 brokerage fee per trade of up to 1,000, so that's not too bad.\n\nAnd they let you buy smaller parcels. Raise is probably one of the first that came out. They have a minimum of $5 to start. They do pay the they charge $3.50 per month for standard accounts. But as long as you're making more than that $3.50, it does work out worthwhile.\n\nI've heard good things about spaceship. They don't require any minimum starting balance, I believe. And fees, it says $00 per month for balance is under $100, and then they charge $3 per month for standard portfolios once your balance hits that $100 mark. That's actually not bad because they're starting up quite small. And shares, these look like there's another one out there as well.\n\nThere's no minimum there, and their fee structure is more percentage based. So that one, I'd probably wanna read a bit more about the percentage based there, but I've heard really good things about all of those different micro investing platforms. But in all honesty, there's absolutely nothing wrong with them. They're a great way to start with very small amounts of money. And often with some of them, you can even do, like, roundups.\n\nSo have it linked if you go and buy a coffee and it rounds up to the nearest whole dollar or nearest $5 to help you invest regularly, which is a good thing too. So, yeah, nothing wrong with them at all. Yeah. That's absolutely. That's what I'm here for.\n\nIt's not a problem at all. No. That's that's basically everything that we've gone through today. All the other thing is I'll get those beneficiaries sorted out for your one pass as well. So we'll pre fill that information out and help you along with that one.\n\nThat's everything they've gone through, so feel free to review the annual review documents. If you find there's any questions, let me know, and I'll get those follow-up things sorted for you. Okay? Yeah. Absolutely.\n\nMore than happy to do it anytime. I hope you have a lovely afternoon. Yep. And bad. Absolutely.\n\nWell, you have a lovely evening. My pleasure. Thank you so much for your time, Belinda. Anytime at all. I'll talk to you soon.\n\nYou have a great afternoon. Thank you for your time. Thanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Melinda.","start":2.1599998,"end":2.96,"sentiment":"neutral","sentiment_score":0.15051625669002533},{"text":"This is Dana from Oakey Financial.","start":2.96,"end":4.64,"sentiment":"neutral","sentiment_score":0.18427750219901404},{"text":"How are you this afternoon?","start":4.64,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.24737873375415803},{"text":"I'm very well.","start":8.0,"end":9.2,"sentiment":"positive","sentiment_score":0.6032418608665466},{"text":"Thank you.","start":9.2,"end":9.599999,"sentiment":"positive","sentiment_score":0.6643235981464386}],"sentiment":"neutral","sentiment_score":0.321220220790969,"num_words":18,"start":2.1599998,"end":9.599999},{"sentences":[{"text":"Thanks for asking.","start":9.599999,"end":10.559999,"sentiment":"positive","sentiment_score":0.63489298025767},{"text":"I had you booked in to go through your annual review.","start":10.559999,"end":12.719999,"sentiment":"neutral","sentiment_score":0.2898088652979244},{"text":"Is now still a good time there for you?","start":12.719999,"end":14.805,"sentiment":"neutral","sentiment_score":0.27195389072100323},{"text":"That's right.","start":17.525,"end":18.245,"sentiment":"neutral","sentiment_score":0.043256672099232674},{"text":"It's been a year.","start":18.245,"end":19.285,"sentiment":"neutral","sentiment_score":-0.004792004823684692}],"sentiment":"neutral","sentiment_score":0.26232782070492877,"num_words":29,"start":9.599999,"end":19.285},{"sentences":[{"text":"Wow.","start":19.285,"end":19.785,"sentiment":"neutral","sentiment_score":-0.07830286026000977},{"text":"I know.","start":24.645,"end":25.445,"sentiment":"neutral","sentiment_score":-0.12062407284975052},{"text":"I know.","start":25.445,"end":25.845001,"sentiment":"neutral","sentiment_score":-0.08464038744568825},{"text":"It's funny.","start":25.845001,"end":26.485,"sentiment":"neutral","sentiment_score":-0.07771674171090126},{"text":"The older we get, the faster years go, but then some weeks, they just drag on.","start":26.485,"end":30.859999,"sentiment":"neutral","sentiment_score":-0.11790625378489494}],"sentiment":"neutral","sentiment_score":-0.11003327499265256,"num_words":23,"start":19.285,"end":30.859999},{"sentences":[{"text":"Absolutely.","start":34.28,"end":34.78,"sentiment":"positive","sentiment_score":0.3352721035480499},{"text":"All good.","start":35.96,"end":36.76,"sentiment":"positive","sentiment_score":0.4146755486726761},{"text":"Look.","start":36.76,"end":37.0,"sentiment":"neutral","sentiment_score":0.18975096940994263},{"text":"Before we jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":37.0,"end":41.239998,"sentiment":"neutral","sentiment_score":0.08319822858486857},{"text":"Are you happy for me to proceed with that?","start":41.239998,"end":43.335,"sentiment":"neutral","sentiment_score":0.16469545496834648}],"sentiment":"neutral","sentiment_score":0.13481753133237362,"num_words":34,"start":34.28,"end":43.335},{"sentences":[{"text":"Fantastic.","start":45.094997,"end":45.594997,"sentiment":"positive","sentiment_score":0.4877563714981079},{"text":"And just to do security there with you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file.","start":46.375,"end":52.155,"sentiment":"neutral","sentiment_score":0.20626381735006968},{"text":"Yes.","start":54.535,"end":55.035,"sentiment":"neutral","sentiment_score":0.03162425756454468},{"text":"That's fine.","start":56.55,"end":57.289997,"sentiment":"neutral","sentiment_score":0.04509587585926056},{"text":"Beautiful.","start":60.149998,"end":60.649998,"sentiment":"positive","sentiment_score":0.46792322397232056}],"sentiment":"neutral","sentiment_score":0.20758314643587386,"num_words":35,"start":45.094997,"end":60.649998},{"sentences":[{"text":"Thank you so much for that.","start":60.789997,"end":62.07,"sentiment":"positive","sentiment_score":0.47072649002075195},{"text":"How cold is it down there at the moment?","start":62.07,"end":64.09,"sentiment":"neutral","sentiment_score":-0.030617495791779623},{"text":"Oh, really?","start":68.244995,"end":68.825,"sentiment":"neutral","sentiment_score":-0.031620852649211884},{"text":"Wow.","start":69.365,"end":69.865,"sentiment":"neutral","sentiment_score":-0.023808550089597705},{"text":"Yep.","start":76.005,"end":76.505,"sentiment":"neutral","sentiment_score":-0.004805827047675848}],"sentiment":"neutral","sentiment_score":0.1293129155559367,"num_words":19,"start":60.789997,"end":76.505},{"sentences":[{"text":"Yeah.","start":80.34,"end":80.82,"sentiment":"neutral","sentiment_score":0.021838903427124023},{"text":"Wow.","start":80.82,"end":81.32,"sentiment":"neutral","sentiment_score":0.033188920468091965},{"text":"Wow.","start":81.38,"end":81.86,"sentiment":"neutral","sentiment_score":0.024345405399799347},{"text":"I mean, here on the Gulf Coast, it's done nothing but rain for the past several weeks.","start":81.86,"end":84.979996,"sentiment":"neutral","sentiment_score":-0.025094895021003837},{"text":"And then we had a lovely sunny weekend, and then it's back to raining again now.","start":84.979996,"end":89.06,"sentiment":"neutral","sentiment_score":0.027523830765858293}],"sentiment":"neutral","sentiment_score":0.0025872585053245225,"num_words":36,"start":80.34,"end":89.06},{"sentences":[{"text":"So I kinda feel your pain.","start":89.06,"end":90.18,"sentiment":"neutral","sentiment_score":-0.16007012190918127},{"text":"It's just it's just gonna stop.","start":90.18,"end":91.799995,"sentiment":"neutral","sentiment_score":-0.1754953290025393},{"text":"Yeah.","start":95.125,"end":95.625,"sentiment":"neutral","sentiment_score":0.06244209408760071},{"text":"Yeah.","start":98.405,"end":98.905,"sentiment":"neutral","sentiment_score":-0.03632190078496933},{"text":"Yeah.","start":103.365,"end":103.865,"sentiment":"neutral","sentiment_score":0.12082988023757936}],"sentiment":"neutral","sentiment_score":-0.12442950879534086,"num_words":15,"start":89.06,"end":103.865},{"sentences":[{"text":"Wow.","start":104.005005,"end":104.405,"sentiment":"positive","sentiment_score":0.33622750639915466},{"text":"Hopefully, we all get some sun soon.","start":104.405,"end":106.085,"sentiment":"positive","sentiment_score":0.417607171194894},{"text":"It'll be nice to see that sunshine for a bit.","start":106.085,"end":108.47,"sentiment":"positive","sentiment_score":0.5160195797681808},{"text":"I know.","start":115.25,"end":115.99,"sentiment":"neutral","sentiment_score":-0.01097087562084198},{"text":"Absolutely.","start":117.09,"end":117.59,"sentiment":"positive","sentiment_score":0.3902374505996704}],"sentiment":"positive","sentiment_score":0.4184747238953908,"num_words":21,"start":104.005005,"end":117.59},{"sentences":[{"text":"Just gonna go outside, I think, even just to do some gardening or mow the lawn.","start":117.81,"end":121.49,"sentiment":"neutral","sentiment_score":0.18623656686395407},{"text":"I don't mind.","start":121.49,"end":121.97,"sentiment":"neutral","sentiment_score":-0.01624627287189166},{"text":"It looks like the Amazon at the moment.","start":121.97,"end":122.925,"sentiment":"neutral","sentiment_score":-0.24672227911651134},{"text":"It's horrible.","start":122.925,"end":124.225,"sentiment":"negative","sentiment_score":-0.5662147104740143},{"text":"That's it.","start":128.845,"end":129.825,"sentiment":"neutral","sentiment_score":-0.06789159029722214}],"sentiment":"neutral","sentiment_score":-0.010030470427966887,"num_words":31,"start":117.81,"end":129.825},{"sentences":[{"text":"That's right.","start":130.045,"end":130.865,"sentiment":"neutral","sentiment_score":0.00437571108341217},{"text":"Yeah.","start":132.205,"end":132.705,"sentiment":"neutral","sentiment_score":0.09824813902378082},{"text":"Oh, all good.","start":133.565,"end":134.46,"sentiment":"neutral","sentiment_score":0.33179863293965656},{"text":"With regard to the annual review, before we kinda jump into things there, is there anything particular you wanted to ask me or wanted me to sort of touch on as part of the annual review?","start":134.94,"end":142.64,"sentiment":"neutral","sentiment_score":0.05435623233723971},{"text":"No.","start":146.55501,"end":146.955,"sentiment":"neutral","sentiment_score":-0.10256888717412949}],"sentiment":"neutral","sentiment_score":0.06875932411572268,"num_words":43,"start":130.045,"end":146.955},{"sentences":[{"text":"That's okay.","start":146.955,"end":147.675,"sentiment":"neutral","sentiment_score":0.0006411764770746231},{"text":"That's not a problem at all.","start":147.675,"end":149.43501,"sentiment":"neutral","sentiment_score":0.14116394271453223},{"text":"Well, what I'll do, I'm gonna send through an email to you.","start":149.43501,"end":152.49501,"sentiment":"neutral","sentiment_score":0.08284657324353854},{"text":"Are you able to access your emails at the moment?","start":152.55501,"end":155.115,"sentiment":"neutral","sentiment_score":0.02344811875373125},{"text":"If you're not, that's absolutely okay.","start":155.115,"end":156.895,"sentiment":"neutral","sentiment_score":-0.011820233000131944}],"sentiment":"neutral","sentiment_score":0.05572179660278683,"num_words":36,"start":146.955,"end":156.895},{"sentences":[{"text":"Yep.","start":158.73001,"end":158.97,"sentiment":"neutral","sentiment_score":0.22434842586517337},{"text":"Beautiful.","start":158.97,"end":159.45001,"sentiment":"positive","sentiment_score":0.4705558121204376},{"text":"I'm sending you an email to you just with a couple of documents attached.","start":159.45001,"end":162.33,"sentiment":"neutral","sentiment_score":0.21860578124012267},{"text":"It's got your ongoing service agreement for the next twelve months.","start":162.33,"end":165.13,"sentiment":"neutral","sentiment_score":0.16919883543794806},{"text":"I've got some attachments in there for you, which contain your superannuation and insurance summary, and it's also got the internal rate of return report there.","start":165.13,"end":173.61499,"sentiment":"neutral","sentiment_score":0.15385569975926325}],"sentiment":"neutral","sentiment_score":0.18144944450765285,"num_words":53,"start":158.73001,"end":173.61499},{"sentences":[{"text":"So when that pops through, if you wanted to open those up, I can take you through what your super has been doing.","start":173.61499,"end":179.47499,"sentiment":"neutral","sentiment_score":0.15578812231188235},{"text":"Yes.","start":185.62999,"end":185.95,"sentiment":"neutral","sentiment_score":0.1126757711172104},{"text":"So with that one there, you don't have to press that one at the moment.","start":185.95,"end":188.93,"sentiment":"neutral","sentiment_score":0.09677703181902568},{"text":"If you I'm just sort of thinking the easiest way.","start":188.98999,"end":192.29,"sentiment":"neutral","sentiment_score":0.1278042882680893},{"text":"I'm pretty sure you should be able to see some attachments on the front page.","start":192.34999,"end":195.95,"sentiment":"neutral","sentiment_score":0.11320283263921738}],"sentiment":"neutral","sentiment_score":0.1269303661538288,"num_words":64,"start":173.61499,"end":195.95},{"sentences":[{"text":"If not, you might need to go through to the next screen.","start":195.95,"end":198.67,"sentiment":"neutral","sentiment_score":-0.0006569157897805175},{"text":"I think if you scroll down, is it showing you the attachments below that?","start":198.67,"end":203.075,"sentiment":"neutral","sentiment_score":0.0036590485168354852},{"text":"Yep.","start":208.655,"end":209.05501,"sentiment":"neutral","sentiment_score":0.2108042538166046},{"text":"Beautiful.","start":209.05501,"end":209.55501,"sentiment":"positive","sentiment_score":0.6160281896591187},{"text":"So one of the attachments should say superannuation summary.","start":209.615,"end":212.995,"sentiment":"neutral","sentiment_score":0.17868151598506504}],"sentiment":"neutral","sentiment_score":0.06698134532701727,"num_words":37,"start":195.95,"end":212.995},{"sentences":[{"text":"That's okay.","start":217.95999,"end":218.7,"sentiment":"neutral","sentiment_score":0.1752319037914276},{"text":"That's the one.","start":219.79999,"end":220.68,"sentiment":"neutral","sentiment_score":0.14472903062899908},{"text":"Yeah.","start":220.68,"end":221.18,"sentiment":"neutral","sentiment_score":0.1339561641216278},{"text":"Beautiful.","start":223.64,"end":224.14,"sentiment":"positive","sentiment_score":0.4741460680961609},{"text":"Sorry.","start":224.28,"end":224.68,"sentiment":"neutral","sentiment_score":0.12485931068658827}],"sentiment":"neutral","sentiment_score":0.18970155529677868,"num_words":8,"start":217.95999,"end":224.68},{"sentences":[{"text":"We use Odoo now.","start":224.68,"end":225.72,"sentiment":"neutral","sentiment_score":0.09775361511856318},{"text":"I'm still sort of learning the system a little bit, but I'm I was pretty sure it showed those attachments below the signature request for you to make it a bit easier.","start":225.72,"end":233.77026,"sentiment":"neutral","sentiment_score":0.10380512103438377},{"text":"But if you're able to open that attachment there with your super and insurance summary, is that opening up okay for you?","start":233.77026,"end":240.9,"sentiment":"neutral","sentiment_score":0.0807194093411619},{"text":"Might take a second.","start":248.81999,"end":249.86,"sentiment":"neutral","sentiment_score":-0.07210999634116888},{"text":"Sorry.","start":249.86,"end":250.36,"sentiment":"neutral","sentiment_score":-0.05785418301820755}],"sentiment":"neutral","sentiment_score":0.08162398683646369,"num_words":63,"start":224.68,"end":250.36},{"sentences":[{"text":"Do you have a downloads folder?","start":258.435,"end":260.115,"sentiment":"neutral","sentiment_score":-0.020076066255569458},{"text":"Or Yeah.","start":260.115,"end":297.86,"sentiment":"neutral","sentiment_score":-0.010378795675933361},{"text":"Absolutely.","start":298.24,"end":298.74,"sentiment":"neutral","sentiment_score":0.18478131294250488},{"text":"You're fine.","start":299.03998,"end":299.68,"sentiment":"neutral","sentiment_score":0.1911320462822914},{"text":"Not a problem at all.","start":299.68,"end":300.9,"sentiment":"neutral","sentiment_score":0.056781630218029025}],"sentiment":"neutral","sentiment_score":0.044358722981996834,"num_words":16,"start":258.435,"end":300.9},{"sentences":[{"text":"Oh, that's absolutely fine.","start":327.225,"end":329.405,"sentiment":"neutral","sentiment_score":0.010618237778544426},{"text":"She's the boss.","start":335.465,"end":336.365,"sentiment":"neutral","sentiment_score":-0.10315903276205063},{"text":"Excellent.","start":337.14502,"end":337.64502,"sentiment":"positive","sentiment_score":0.3910742700099945},{"text":"All good.","start":337.865,"end":338.345,"sentiment":"neutral","sentiment_score":0.3189949542284012},{"text":"No.","start":338.345,"end":338.585,"sentiment":"neutral","sentiment_score":0.07401192933320999}],"sentiment":"neutral","sentiment_score":0.0760065418752757,"num_words":11,"start":327.225,"end":338.585},{"sentences":[{"text":"Not a problem at all.","start":338.585,"end":339.70502,"sentiment":"neutral","sentiment_score":0.059622693061828616},{"text":"If anything comes up with the kids and you need me to stop, just let me know straight away.","start":339.70502,"end":343.3,"sentiment":"neutral","sentiment_score":-0.04535741437422602},{"text":"It's not an issue at all.","start":343.3,"end":344.66,"sentiment":"neutral","sentiment_score":0.012955939397215843},{"text":"Oh, good.","start":344.66,"end":345.47998,"sentiment":"neutral","sentiment_score":0.2640460506081581},{"text":"Beautiful.","start":346.25998,"end":346.75998,"sentiment":"positive","sentiment_score":0.520620584487915}],"sentiment":"neutral","sentiment_score":0.017053664069284092,"num_words":33,"start":338.585,"end":346.75998},{"sentences":[{"text":"So with that's alright.","start":347.22,"end":348.75998,"sentiment":"neutral","sentiment_score":0.22521869465708733},{"text":"So with this one here, it's giving you a updated summary as of your super balance as of the June 4 there, which is when we prepared the documents for you.","start":348.82,"end":355.78,"sentiment":"neutral","sentiment_score":0.2641212038936154},{"text":"So having a look at things, I can have give you your balance from last year as well.","start":355.78,"end":360.545,"sentiment":"neutral","sentiment_score":0.1982010763345493},{"text":"So your balance as of this time last year was about $59,001.09 3.","start":360.545,"end":365.98502,"sentiment":"neutral","sentiment_score":0.024130036338017538},{"text":"So 59,193 and 49¢ there.","start":365.98502,"end":369.66,"sentiment":"neutral","sentiment_score":0.019418939482420683}],"sentiment":"neutral","sentiment_score":0.18639453862394606,"num_words":71,"start":347.22,"end":369.66},{"sentences":[{"text":"Your balance now is $69,001.46 and 53¢.","start":370.14,"end":373.82,"sentiment":"neutral","sentiment_score":0.043366306771834694},{"text":"We have seen a really good increase in your super.","start":373.82,"end":376.24,"sentiment":"positive","sentiment_score":0.6235000789165497},{"text":"When I have a really good look at how everything has performed, your super as a net return has provided a 10.21%.","start":376.94,"end":383.52,"sentiment":"positive","sentiment_score":0.45163865929300134},{"text":"That's showing earnings and growth from the portfolio of over $7,417.","start":383.835,"end":389.355,"sentiment":"positive","sentiment_score":0.3706760081377896},{"text":"So your portfolio has been working really well for the year even with the ups and downs we are seeing in the market this year with what's happening between The US and Iran and also with the high inflation here within Australia, your super has performed really nicely.","start":389.355,"end":403.53,"sentiment":"positive","sentiment_score":0.3468018375181903}],"sentiment":"positive","sentiment_score":0.3830430249961996,"num_words":98,"start":370.14,"end":403.53},{"sentences":[{"text":"All the investments are showing a positive return, and the net return that you've received is up over 10.21%.","start":403.59,"end":410.49,"sentiment":"positive","sentiment_score":0.660343880716123},{"text":"So that's a really good solid result.","start":410.55,"end":412.22998,"sentiment":"positive","sentiment_score":0.8082296592848641},{"text":"Really happy with that.","start":412.22998,"end":413.44998,"sentiment":"positive","sentiment_score":0.7142753750085831},{"text":"Yeah.","start":415.23502,"end":415.73502,"sentiment":"neutral","sentiment_score":0.075739786028862},{"text":"Underneath that, you've also got your insurance policy.","start":416.915,"end":419.73502,"sentiment":"neutral","sentiment_score":0.06731796031817794}],"sentiment":"positive","sentiment_score":0.5557827260822822,"num_words":39,"start":403.59,"end":419.73502},{"sentences":[{"text":"So you'll see when we initially recommended the insurances last year, we had recommended about 620,000 to apply for for life and CPD.","start":419.795,"end":428.775,"sentiment":"neutral","sentiment_score":0.06011514543839123},{"text":"Now these policies are indexed along with CPI.","start":429.15,"end":432.29,"sentiment":"neutral","sentiment_score":0.0715040029026568},{"text":"So the idea is that they do increase over time with the amount that you're able to claim, and that's so it holds its dollar it holds its buying power.","start":432.35,"end":441.22998,"sentiment":"neutral","sentiment_score":0.13669246658682824},{"text":"The idea is we wanna make sure if you had to make a claim, a million dollars now isn't worth a million dollars in five years' time.","start":441.22998,"end":448.205,"sentiment":"neutral","sentiment_score":-0.010737261010540856},{"text":"So we wanna make sure that your life and TPD cover holds its buying capacity and increases over time along with CPI.","start":448.205,"end":454.785,"sentiment":"neutral","sentiment_score":0.01417481941594319}],"sentiment":"neutral","sentiment_score":0.055249039507047695,"num_words":110,"start":419.795,"end":454.785},{"sentences":[{"text":"So you'll see your current sum insured of life and TPD is about 651,000.","start":455.245,"end":460.36,"sentiment":"neutral","sentiment_score":0.03223136466528688},{"text":"One of the things we sort of talked about with your original goal for your life and TPD was that you wanted to replace your income.","start":460.9,"end":467.4,"sentiment":"neutral","sentiment_score":0.04858207946213392},{"text":"So you wanted to replace about sixteen years worth of your income and also have a bit of a buffer with your TBD to make sure that you have an extra 200,000 sitting there for replacement costs or medical expenses or, you know, modifications or any kind of re rehabilitation that was required.","start":467.46,"end":485.565,"sentiment":"neutral","sentiment_score":0.07113836691626962},{"text":"So this has definitely increased from where it was if we kind of looked at this.","start":486.15,"end":489.91,"sentiment":"neutral","sentiment_score":0.0470201603602618},{"text":"Now income wise, we had you on about 32,000 last year.","start":489.91,"end":494.25,"sentiment":"neutral","sentiment_score":0.020245611074973236}],"sentiment":"neutral","sentiment_score":0.05383109087900569,"num_words":120,"start":455.245,"end":494.25},{"sentences":[{"text":"Are you on about the same, or have you been lucky enough to get a pay rise there at all?","start":494.31,"end":497.925,"sentiment":"neutral","sentiment_score":0.016664709709584714},{"text":"That's okay.","start":505.125,"end":506.025,"sentiment":"neutral","sentiment_score":0.06688122265040874},{"text":"About 32.","start":519.94,"end":520.9,"sentiment":"neutral","sentiment_score":0.033521171659231186},{"text":"Yeah.","start":520.9,"end":521.3,"sentiment":"neutral","sentiment_score":0.2620534896850586},{"text":"Perfect.","start":521.3,"end":521.8,"sentiment":"positive","sentiment_score":0.5807538032531738}],"sentiment":"neutral","sentiment_score":0.05295793368266179,"num_words":26,"start":494.31,"end":521.8},{"sentences":[{"text":"So if I looked at the $6.51 there and sort of divided that by the income that we have, the 32,000, it essentially means that based on replacing your income, you'd be able to replace that twenty years worth of income currently.","start":521.86,"end":535.185,"sentiment":"neutral","sentiment_score":0.20418575547990345},{"text":"So that's that 16,000, but still giving you a bit of a buffer there.","start":535.245,"end":539.32,"sentiment":"neutral","sentiment_score":0.26701709628105164},{"text":"With life cover, your super is also paid out on top of that.","start":539.94,"end":543.22,"sentiment":"neutral","sentiment_score":0.2702368520773374},{"text":"So it's a $6.51 plus your super balance that gets paid to your beneficiaries.","start":543.22,"end":547.16,"sentiment":"neutral","sentiment_score":0.2634600911821638},{"text":"And I'm just making sure that we have the beneficiaries noted correctly as well.","start":548.115,"end":552.455,"sentiment":"neutral","sentiment_score":0.17680729074137552}],"sentiment":"neutral","sentiment_score":0.22670993301057324,"num_words":97,"start":521.86,"end":552.455},{"sentences":[{"text":"Yep.","start":558.275,"end":558.775,"sentiment":"neutral","sentiment_score":-0.09768740832805634},{"text":"Bit of a trouble with the document.","start":562.21,"end":563.51,"sentiment":"neutral","sentiment_score":-0.27543656740869793},{"text":"Yep.","start":567.97003,"end":568.47003,"sentiment":"neutral","sentiment_score":-0.16961006820201874},{"text":"No.","start":571.57,"end":571.81,"sentiment":"neutral","sentiment_score":-0.11264169216156006},{"text":"That's okay.","start":571.81,"end":572.45,"sentiment":"neutral","sentiment_score":-0.013733893632888794}],"sentiment":"neutral","sentiment_score":-0.19462191065152487,"num_words":12,"start":558.275,"end":572.45},{"sentences":[{"text":"So I'm having a look at your super fund.","start":572.45,"end":574.13,"sentiment":"neutral","sentiment_score":0.10263410583138466},{"text":"Your beneficiary nomination You have a binding non lapsing nomination, which means that you don't ever have to fill that format again unless something happened and you wanted to change that nomination.","start":574.13,"end":585.235,"sentiment":"neutral","sentiment_score":0.20531280199065804},{"text":"It is applied to pay a 100% of your super to your partner.","start":586.415,"end":590.56,"sentiment":"neutral","sentiment_score":0.19646015763282776},{"text":"So that's all exactly as you would like it to be?","start":590.56,"end":593.62,"sentiment":"neutral","sentiment_score":0.2759620628573678},{"text":"The no.","start":594.8,"end":601.04,"sentiment":"neutral","sentiment_score":-0.16292119398713112}],"sentiment":"neutral","sentiment_score":0.19040953684876213,"num_words":67,"start":572.45,"end":601.04},{"sentences":[{"text":"That's absolutely fine.","start":601.04,"end":602.39996,"sentiment":"neutral","sentiment_score":0.1071271908779939},{"text":"Now having a look at your one pass one, it looks like the beneficiary on your one pass policy isn't quite added.","start":602.39996,"end":609.125,"sentiment":"neutral","sentiment_score":-0.018687547438523987},{"text":"So that must have been the one that we had some issues with there.","start":609.125,"end":612.185,"sentiment":"neutral","sentiment_score":-0.023268253675528934},{"text":"Would you like me to I can prefill that beneficiary nomination for one pass so that it is all filled out correctly, And then we just send it through to you, and you just have to have it signed and witnessed and just making sure your partner is not one of the witnesses.","start":612.325,"end":627.13995,"sentiment":"neutral","sentiment_score":0.039361044992956354},{"text":"Does that sound okay if we do it that way to make sure this is applied to your life cover as well?","start":627.13995,"end":631.8,"sentiment":"neutral","sentiment_score":0.07274670560251582}],"sentiment":"neutral","sentiment_score":0.028693534082553367,"num_words":114,"start":601.04,"end":631.8},{"sentences":[{"text":"Yep.","start":633.075,"end":633.575,"sentiment":"neutral","sentiment_score":0.2283037155866623},{"text":"Fantastic.","start":633.795,"end":634.295,"sentiment":"positive","sentiment_score":0.5382106304168701},{"text":"Now I'm just gonna bring up the beneficiary I have here to make sure that the details are correct.","start":634.675,"end":639.395,"sentiment":"neutral","sentiment_score":0.1795820515406759},{"text":"So I've pre filled the form accurately for you because I don't want you to go through the same problem again, and these forms can be a little bit difficult.","start":639.395,"end":646.935,"sentiment":"neutral","sentiment_score":-0.0254006065428257},{"text":"They are honestly sometimes the bane of our existence.","start":649.80005,"end":652.52,"sentiment":"neutral","sentiment_score":-0.2737194399038951}],"sentiment":"neutral","sentiment_score":0.01588466949760914,"num_words":60,"start":633.075,"end":652.52},{"sentences":[{"text":"And these super funds and life insurance companies to have these nominations applied, they can be a bit painful.","start":652.52,"end":658.06,"sentiment":"neutral","sentiment_score":-0.20311218108001508},{"text":"So let's just there we go.","start":659.24005,"end":663.02,"sentiment":"neutral","sentiment_score":-0.017938613270719845},{"text":"Okay.","start":664.955,"end":665.455,"sentiment":"neutral","sentiment_score":0.018452944234013557},{"text":"So I've got your partner's name, and everything is fine here.","start":665.755,"end":670.335,"sentiment":"neutral","sentiment_score":0.04669674943116578},{"text":"Date of birth should be the seventeenth of the fifth nineteen eighty eight.","start":670.635,"end":673.995,"sentiment":"neutral","sentiment_score":0.028161822316738274}],"sentiment":"neutral","sentiment_score":-0.06137084484100342,"num_words":50,"start":652.52,"end":673.995},{"sentences":[{"text":"Is that right?","start":673.995,"end":674.895,"sentiment":"neutral","sentiment_score":0.04218831161657969},{"text":"Fantastic.","start":676.17004,"end":676.67004,"sentiment":"positive","sentiment_score":0.3419250249862671},{"text":"He doesn't note himself down as being a male.","start":677.13,"end":680.57,"sentiment":"neutral","sentiment_score":0.02600782447391086},{"text":"I just have to double check that one.","start":680.57,"end":682.35004,"sentiment":"neutral","sentiment_score":0.04020206583663821},{"text":"Yeah.","start":683.69,"end":683.93,"sentiment":"neutral","sentiment_score":0.15669727325439453}],"sentiment":"neutral","sentiment_score":0.05367609909312292,"num_words":22,"start":673.995,"end":683.93},{"sentences":[{"text":"Beautiful.","start":683.93,"end":684.43,"sentiment":"positive","sentiment_score":0.3562968075275421},{"text":"And I'll tick the spouse button there for you.","start":684.49005,"end":686.73004,"sentiment":"neutral","sentiment_score":0.176089845597744},{"text":"And with your life cover, are you again wanting a 100% to be nominated to him?","start":686.73004,"end":691.185,"sentiment":"neutral","sentiment_score":0.10219077160581946},{"text":"Yep.","start":693.665,"end":694.145,"sentiment":"neutral","sentiment_score":0.1328115314245224},{"text":"Beautiful.","start":694.145,"end":694.645,"sentiment":"neutral","sentiment_score":0.3251953423023224}],"sentiment":"neutral","sentiment_score":0.14407730847597122,"num_words":28,"start":683.93,"end":694.645},{"sentences":[{"text":"I just need to make sure I clarify those details for you so I fill it out as per your instructions there.","start":694.705,"end":700.245,"sentiment":"neutral","sentiment_score":0.11235361106016419},{"text":"So what I'll do is I'll pre fill that beneficiary for the life cover for you.","start":700.625,"end":704.385,"sentiment":"neutral","sentiment_score":0.10297814989462495},{"text":"I'll have my team send it out.","start":704.385,"end":706.17,"sentiment":"neutral","sentiment_score":0.08106821668999535},{"text":"Do you prefer email or post or both?","start":706.64996,"end":709.37,"sentiment":"neutral","sentiment_score":0.025982555467635393},{"text":"What would be the easiest way to get that document to you?","start":709.37,"end":712.35,"sentiment":"neutral","sentiment_score":0.04859799984842539}],"sentiment":"neutral","sentiment_score":0.08427605846753487,"num_words":65,"start":694.705,"end":712.35},{"sentences":[{"text":"Email?","start":714.25,"end":714.75,"sentiment":"neutral","sentiment_score":0.008520197123289108},{"text":"Yeah.","start":714.81,"end":715.05,"sentiment":"neutral","sentiment_score":0.05178748816251755},{"text":"No.","start":715.05,"end":715.29,"sentiment":"neutral","sentiment_score":0.08603256940841675},{"text":"Not a problem at all.","start":715.29,"end":716.57,"sentiment":"neutral","sentiment_score":0.14098285734653473},{"text":"So when it comes through, we'll just get you to print a sign it, have two witnesses signed the same time you do.","start":716.57,"end":722.295,"sentiment":"neutral","sentiment_score":0.09089713316896687}],"sentiment":"neutral","sentiment_score":0.09489963239719791,"num_words":31,"start":714.25,"end":722.295},{"sentences":[{"text":"Just one can't be the person you've nominated as the beneficiary.","start":722.295,"end":725.035,"sentiment":"neutral","sentiment_score":-0.027390294284983116},{"text":"So if you got two friends or two work colleagues or just someone that's available to sign at the same time you do, and then just scan and send it back or take a photo and send it back to us, and we can have that applied there for you.","start":725.575,"end":736.66003,"sentiment":"neutral","sentiment_score":0.0774186885729432},{"text":"Okay?","start":736.66003,"end":737.16003,"sentiment":"neutral","sentiment_score":0.15947332978248596},{"text":"Fantastic.","start":738.18,"end":738.68,"sentiment":"positive","sentiment_score":0.8301130533218384},{"text":"We'll try and make that one nice and easy for you so that all your boxes are ticked.","start":738.98004,"end":743.16003,"sentiment":"positive","sentiment_score":0.7119439178042941}],"sentiment":"neutral","sentiment_score":0.2144965196925181,"num_words":81,"start":722.295,"end":743.16003},{"sentences":[{"text":"The last thing we want is anything to happen and for your partner to have trouble trying to claim on that one to make it easier on him.","start":743.54004,"end":750.9,"sentiment":"neutral","sentiment_score":0.061643248690026145},{"text":"So, yeah.","start":750.9,"end":755.485,"sentiment":"neutral","sentiment_score":0.14669810980558395},{"text":"Absolutely.","start":755.485,"end":755.985,"sentiment":"neutral","sentiment_score":0.2978135645389557},{"text":"He knows where to call.","start":756.125,"end":757.005,"sentiment":"neutral","sentiment_score":0.18431669175624849},{"text":"That's perfect.","start":757.005,"end":757.90497,"sentiment":"positive","sentiment_score":0.6627412438392639}],"sentiment":"neutral","sentiment_score":0.12011280773501647,"num_words":38,"start":743.54004,"end":757.90497},{"sentences":[{"text":"Excellent.","start":758.125,"end":758.625,"sentiment":"positive","sentiment_score":0.6387231349945068},{"text":"Just having a look.","start":760.20496,"end":761.165,"sentiment":"positive","sentiment_score":0.3564067780971527},{"text":"So your life and TPD amounts are pretty well accurate there.","start":761.165,"end":764.20496,"sentiment":"positive","sentiment_score":0.3705607761036266},{"text":"They've just increased a little bit.","start":764.20496,"end":765.78,"sentiment":"neutral","sentiment_score":0.2272591864069303},{"text":"It does also show you on the document there how much you pay for those out of your super for the year.","start":765.86005,"end":770.76,"sentiment":"neutral","sentiment_score":0.1139972440221093}],"sentiment":"neutral","sentiment_score":0.22754575616934083,"num_words":44,"start":758.125,"end":770.76},{"sentences":[{"text":"You've also got your income protection policy there as well.","start":771.22003,"end":774.34,"sentiment":"neutral","sentiment_score":0.0878491997718811},{"text":"So I'm just sort of double checking with that.","start":774.34,"end":776.76,"sentiment":"neutral","sentiment_score":0.045740449180205665},{"text":"It does again go up a little bit with CPI there.","start":777.78,"end":780.60004,"sentiment":"neutral","sentiment_score":0.012968920848586342},{"text":"Sorry.","start":780.915,"end":781.15497,"sentiment":"neutral","sentiment_score":-0.0748218223452568},{"text":"My computer's a little bit slow.","start":781.15497,"end":783.015,"sentiment":"neutral","sentiment_score":-0.1623890921473503}],"sentiment":"neutral","sentiment_score":0.01036912957961495,"num_words":37,"start":771.22003,"end":783.015},{"sentences":[{"text":"We're working on, say, 32,000 as an income amount.","start":784.355,"end":787.735,"sentiment":"neutral","sentiment_score":-0.048897063773539334},{"text":"Buy that by monthly.","start":790.435,"end":791.975,"sentiment":"neutral","sentiment_score":-0.025037669111043215},{"text":"So about $1.08.","start":792.675,"end":794.22,"sentiment":"neutral","sentiment_score":-0.016024844100077946},{"text":"So, realistically, if anything was to happen with income protection, you can be covered for up to 70% of your income there.","start":794.22,"end":801.36,"sentiment":"neutral","sentiment_score":-0.011226882988756353},{"text":"Your monthly benefit of about 1,661 pretax is a little bit underinsured from where you are.","start":801.98,"end":809.78503,"sentiment":"neutral","sentiment_score":-0.03578284312970936}],"sentiment":"neutral","sentiment_score":-0.0260706610839676,"num_words":54,"start":784.355,"end":809.78503},{"sentences":[{"text":"However, you do also have the super contribution amount.","start":809.78503,"end":813.465,"sentiment":"neutral","sentiment_score":0.027218410331341956},{"text":"So it does mean that an extra $391 per month would be added into super if you were on a claim there.","start":813.465,"end":819.51,"sentiment":"neutral","sentiment_score":0.022338785400444813},{"text":"If anything was to happen and you were on for income protection, would that amount, the $16.61 plus your partner's income, be sufficient for your regular expenses each month, or would you like to maybe look at trying to increase that a bit, or what's your thought?","start":820.07,"end":834.73,"sentiment":"neutral","sentiment_score":0.004696102634547872},{"text":"Yeah.","start":842.685,"end":842.925,"sentiment":"neutral","sentiment_score":-0.0049332184717059135},{"text":"It's based off the income that we had when we did the yeah.","start":842.925,"end":847.085,"sentiment":"neutral","sentiment_score":-0.0030452573958497783}],"sentiment":"neutral","sentiment_score":0.009919719902150657,"num_words":92,"start":809.78503,"end":847.085},{"sentences":[{"text":"When we did your your insurance application, it does go up along with CTI.","start":847.085,"end":852.14,"sentiment":"neutral","sentiment_score":0.004007350287533232},{"text":"So it is sorta increasing a little bit each year as well with the monthly benefit, but it doesn't always keep up with income or wage growth at the same time.","start":852.14,"end":860.94,"sentiment":"neutral","sentiment_score":0.10765062248514544},{"text":"So it's really up to you.","start":860.94,"end":862.06,"sentiment":"neutral","sentiment_score":0.22840693468848863},{"text":"If you're comfortable just to leave it as is for the moment, that's absolutely fine.","start":862.06,"end":865.475,"sentiment":"positive","sentiment_score":0.3394449641307195},{"text":"We can always come back and review it at any time if you'd like to.","start":865.475,"end":869.095,"sentiment":"neutral","sentiment_score":0.3074508190155029}],"sentiment":"neutral","sentiment_score":0.1786067969924598,"num_words":81,"start":847.085,"end":869.095},{"sentences":[{"text":"Yep.","start":871.635,"end":872.135,"sentiment":"neutral","sentiment_score":0.123588427901268},{"text":"It is.","start":877.33,"end":877.81,"sentiment":"neutral","sentiment_score":0.13481174781918526},{"text":"It is.","start":877.81,"end":878.53,"sentiment":"neutral","sentiment_score":0.12259044498205185},{"text":"Insurance, this is one of those sort of catch 20 twos.","start":878.53,"end":881.09,"sentiment":"neutral","sentiment_score":0.04410682415420359},{"text":"You wanna have the right level of cover to protect you if something was to happen, but there's, you know, possibly a one or 2% chance that you are gonna actually claim on them.","start":881.09,"end":889.01,"sentiment":"neutral","sentiment_score":0.06472647003829479}],"sentiment":"neutral","sentiment_score":0.06648535721004009,"num_words":50,"start":871.635,"end":889.01},{"sentences":[{"text":"And the biggest risk is you have the insurance.","start":889.01,"end":891.485,"sentiment":"neutral","sentiment_score":-0.16800972446799278},{"text":"If you pay the premiums and never actually make a claim, and then you get to retirement, don't need them, cancel them, and you've paid all the money for cover you've never claimed on or required.","start":891.485,"end":900.065,"sentiment":"neutral","sentiment_score":-0.08713638627280791},{"text":"So it's one of those one of those things, really.","start":900.125,"end":904.46497,"sentiment":"neutral","sentiment_score":0.2265610046684742},{"text":"So you've got your life, your TPD, your income protection at the moment.","start":905.33,"end":908.37006,"sentiment":"positive","sentiment_score":0.37419816622367275},{"text":"You're sorta happy to keep those as they are.","start":908.37006,"end":911.35004,"sentiment":"positive","sentiment_score":0.5078719490104251}],"sentiment":"neutral","sentiment_score":0.09158488730718563,"num_words":77,"start":889.01,"end":911.35004},{"sentences":[{"text":"Lastly, you didn't wanna look at any kind of cover held out of pocket like trauma.","start":911.81006,"end":915.83,"sentiment":"neutral","sentiment_score":-0.04411265277303755},{"text":"Did you wanna kinda revisit those at the moment, or you're happy just with the cover you have?","start":915.89,"end":920.23004,"sentiment":"neutral","sentiment_score":0.03904539129386345},{"text":"Yep.","start":923.055,"end":923.555,"sentiment":"neutral","sentiment_score":0.3090045154094696},{"text":"Beautiful.","start":923.77496,"end":924.27496,"sentiment":"positive","sentiment_score":0.5694409608840942},{"text":"I mean, you can cover basically everything, can't you, the types of insurances that are out there?","start":924.415,"end":928.65497,"sentiment":"neutral","sentiment_score":0.28239715274642496}],"sentiment":"neutral","sentiment_score":0.10709833343214584,"num_words":53,"start":911.81006,"end":928.65497},{"sentences":[{"text":"You could be paying a a a phenomenal amount of premiums if we looked at covering absolutely everything.","start":928.65497,"end":933.795,"sentiment":"positive","sentiment_score":0.4275223927365409},{"text":"It'd be insane.","start":933.855,"end":934.675,"sentiment":"positive","sentiment_score":0.476083238919576},{"text":"Yeah.","start":940.96,"end":941.36005,"sentiment":"neutral","sentiment_score":0.2402866333723068},{"text":"Yeah.","start":941.36005,"end":941.60004,"sentiment":"neutral","sentiment_score":0.23023276031017303},{"text":"And, look, if anything ever changed and you wanted to revisit those, you don't have to wait till annual review time.","start":941.60004,"end":946.4,"sentiment":"neutral","sentiment_score":0.22874765843153}],"sentiment":"neutral","sentiment_score":0.32722438651729713,"num_words":44,"start":928.65497,"end":946.4},{"sentences":[{"text":"We can always have ad hoc conversations at any time throughout the year.","start":946.4,"end":950.27496,"sentiment":"neutral","sentiment_score":0.30547682023965395},{"text":"If there's something you wanna ask or something that's important to you or you just wanna revisit the insurance or even have questions, just give us a call.","start":950.495,"end":957.45496,"sentiment":"neutral","sentiment_score":0.04341138293966651},{"text":"My team will absolutely make this time for me to give you a call and have a bit of a chat.","start":957.45496,"end":961.615,"sentiment":"neutral","sentiment_score":0.23683990963867732},{"text":"Okay?","start":961.615,"end":962.115,"sentiment":"neutral","sentiment_score":0.08944420516490936},{"text":"Fantastic.","start":963.54004,"end":964.04004,"sentiment":"positive","sentiment_score":0.43684279918670654}],"sentiment":"neutral","sentiment_score":0.1669787889404688,"num_words":64,"start":946.4,"end":964.04004},{"sentences":[{"text":"On the note of trauma, now we're not looking at any additional cover for you at the moment, but just so you are aware down the track, if you do wanna look at trauma, you can also get other policies like child trauma, which pays out a lump sum tax free benefit in the event that your child is diagnosed with traumatic illnesses or, you know, diagnoses.","start":965.06,"end":983.35504,"sentiment":"neutral","sentiment_score":-0.018119809912767872},{"text":"So if there's ever anything that you wanted to talk about or look at down the track there with any kind of trauma or child protection trauma, you know, benefit, please let me know.","start":984.135,"end":992.83,"sentiment":"neutral","sentiment_score":-0.01976952581282924},{"text":"Okay?","start":992.83,"end":993.33,"sentiment":"neutral","sentiment_score":0.02124866098165512},{"text":"Fantastic.","start":995.47,"end":995.97,"sentiment":"positive","sentiment_score":0.5167744755744934},{"text":"So that's your super and your insurances.","start":996.35,"end":997.97,"sentiment":"positive","sentiment_score":0.4490889310836792}],"sentiment":"neutral","sentiment_score":0.01632231374863874,"num_words":110,"start":965.06,"end":997.97},{"sentences":[{"text":"Looking really well.","start":998.19,"end":998.99,"sentiment":"positive","sentiment_score":0.6549986004829407},{"text":"Happy with the return there.","start":998.99,"end":1000.61,"sentiment":"positive","sentiment_score":0.7426159858703614},{"text":"All your investments within the super fund are working really nicely.","start":1000.99,"end":1004.35,"sentiment":"positive","sentiment_score":0.7260239286856218},{"text":"Everything is up.","start":1004.35,"end":1005.39,"sentiment":"positive","sentiment_score":0.5247109631697336},{"text":"On that email, you also have the performance report, I believe, called hub twenty four super performance with the date the fourth of the sixth on it.","start":1005.39,"end":1013.945,"sentiment":"neutral","sentiment_score":0.13684315068854225}],"sentiment":"positive","sentiment_score":0.38639258988657776,"num_words":49,"start":998.19,"end":1013.945},{"sentences":[{"text":"If you wanted to sort of open that one up, you can have a bit of a look at the investments within.","start":1014.24506,"end":1018.325,"sentiment":"neutral","sentiment_score":0.10250472006472675},{"text":"And on the second page, it does kinda show you that 10.21% returns.","start":1018.325,"end":1022.76,"sentiment":"neutral","sentiment_score":0.18732758439504182},{"text":"You can see that your super has been working really, really nicely there.","start":1022.76,"end":1026.2001,"sentiment":"positive","sentiment_score":0.42192471944368803},{"text":"Okay?","start":1026.2001,"end":1026.7001,"sentiment":"neutral","sentiment_score":0.1031193882226944},{"text":"There it is.","start":1030.28,"end":1031.18,"sentiment":"neutral","sentiment_score":-0.00021530625720818838}],"sentiment":"neutral","sentiment_score":0.1976511011688182,"num_words":52,"start":1014.24506,"end":1031.18},{"sentences":[{"text":"That's okay.","start":1032.12,"end":1033.02,"sentiment":"neutral","sentiment_score":0.08162303641438484},{"text":"Now with your investment portfolio, you're invested in more of a growth environment.","start":1033.9601,"end":1038.665,"sentiment":"neutral","sentiment_score":0.10474346635433343},{"text":"So as we kinda discussed last year, you generally see that 80% of your super invested in growth assets, like Australian and international equities, property, and also commodities like precious metals and gold and silver there.","start":1038.7251,"end":1051.53,"sentiment":"neutral","sentiment_score":0.1693126948343383},{"text":"Your gold is definitely one of your best performers for the year in your super, which has been really, really great to see.","start":1051.6901,"end":1056.75,"sentiment":"positive","sentiment_score":0.5707358082999354},{"text":"With this sort of growth environment there, the returns are expected to be generally between that seven to 9%.","start":1057.61,"end":1064.49,"sentiment":"neutral","sentiment_score":0.24561369066175662}],"sentiment":"neutral","sentiment_score":0.27326614906390506,"num_words":93,"start":1032.12,"end":1064.49},{"sentences":[{"text":"So the fact that you've received a 10% return for the year means that your portfolio has overperformed the expectations.","start":1064.49,"end":1070.145,"sentiment":"positive","sentiment_score":0.5650820791721344},{"text":"So that's a really good sign.","start":1070.4451,"end":1071.905,"sentiment":"positive","sentiment_score":0.8095882932345072},{"text":"Yeah.","start":1073.405,"end":1073.805,"sentiment":"neutral","sentiment_score":0.3065817356109619},{"text":"And not to mention yeah.","start":1073.805,"end":1076.145,"sentiment":"neutral","sentiment_score":0.03363501466810703},{"text":"Absolutely.","start":1078.08,"end":1078.58,"sentiment":"neutral","sentiment_score":0.17312143743038175}],"sentiment":"positive","sentiment_score":0.5093045330070185,"num_words":33,"start":1064.49,"end":1078.58},{"sentences":[{"text":"And, look, even when I'm sort of having a look at how everything's been tracking, I tend to you like to use the all ordinaries as a bit of a a benchmark for you because the all ordinaries encompasses essentially most of the market.","start":1078.7999,"end":1092.26,"sentiment":"neutral","sentiment_score":0.09021952866830608},{"text":"It focuses on the largest companies, which essentially shows you and is an indicator of how the total market has been performing.","start":1092.32,"end":1099.215,"sentiment":"neutral","sentiment_score":0.08445069888098673},{"text":"When I have a look at your super and how it has been tracking, it has been tracking in line with your ordinaries and been going up and down in the same sort of pattern.","start":1099.995,"end":1107.995,"sentiment":"neutral","sentiment_score":0.07341069823929242},{"text":"So, essentially, you're not tracking against the market.","start":1107.995,"end":1110.73,"sentiment":"neutral","sentiment_score":0.019364209147170186},{"text":"There's nothing that needs to really be changed at the moment investment wise.","start":1110.73,"end":1114.1901,"sentiment":"neutral","sentiment_score":-0.022401081326489266}],"sentiment":"neutral","sentiment_score":0.0677102351729132,"num_words":122,"start":1078.7999,"end":1114.1901},{"sentences":[{"text":"I'd probably just go back and just make sure you still are invested in line with that 20%.","start":1114.73,"end":1119.87,"sentiment":"neutral","sentiment_score":0.07404691870841715},{"text":"So long as everything's fine, there'll be nothing left to do.","start":1120.3301,"end":1123.2101,"sentiment":"neutral","sentiment_score":0.10030015795068307},{"text":"If I do come back and find that we need to maybe rebalance something, I'll let you know.","start":1123.2101,"end":1127.105,"sentiment":"neutral","sentiment_score":0.04697614059680038},{"text":"Is that okay?","start":1127.105,"end":1128.005,"sentiment":"neutral","sentiment_score":0.07546395684281985},{"text":"Yep.","start":1129.425,"end":1129.925,"sentiment":"neutral","sentiment_score":0.19812053442001343}],"sentiment":"neutral","sentiment_score":0.07267116097842946,"num_words":51,"start":1114.73,"end":1129.925},{"sentences":[{"text":"Beautiful.","start":1130.145,"end":1130.645,"sentiment":"positive","sentiment_score":0.436901181936264},{"text":"Everything yeah.","start":1131.505,"end":1133.585,"sentiment":"neutral","sentiment_score":0.19323962181806564},{"text":"Absolutely.","start":1133.585,"end":1134.085,"sentiment":"neutral","sentiment_score":0.15318423509597778},{"text":"And, look, honestly, the biggest point was, I mean, from where you came last year, we did see a bit of a dip around about November last year, but then we saw your your portfolio come back, recover up until about the March 2.","start":1134.625,"end":1147.94,"sentiment":"neutral","sentiment_score":0.07821099633689631},{"text":"And then it's seen a bit more of a dip around that mid to end of March.","start":1147.94,"end":1151.14,"sentiment":"neutral","sentiment_score":0.03313603865749696}],"sentiment":"neutral","sentiment_score":0.07663324856414244,"num_words":65,"start":1130.145,"end":1151.14},{"sentences":[{"text":"About the twentieth was the biggest dip we saw.","start":1151.14,"end":1153.48,"sentiment":"neutral","sentiment_score":0.07611305183834499},{"text":"And that was very much in line with what was happening in the market as a whole, with what was happening with The US and Iran.","start":1153.6849,"end":1159.225,"sentiment":"neutral","sentiment_score":0.13153781340672419},{"text":"And then from there, your portfolio has come back.","start":1159.525,"end":1161.765,"sentiment":"neutral","sentiment_score":0.18457221653726366},{"text":"You've almost recovered to where you were pre that dip, and then there's just some minor volatility after that.","start":1161.765,"end":1168.085,"sentiment":"neutral","sentiment_score":0.20028937333508542},{"text":"So you're tracking along really, really nicely.","start":1168.085,"end":1170.6699,"sentiment":"positive","sentiment_score":0.5770402678421566}],"sentiment":"neutral","sentiment_score":0.1944418647459575,"num_words":70,"start":1151.14,"end":1170.6699},{"sentences":[{"text":"It's a good positive start.","start":1170.6699,"end":1172.61,"sentiment":"positive","sentiment_score":0.6975093245506286},{"text":"And one of the things you'll probably notice is when you look at a 10% return with your current balance there, that 10% return as a dollar figure is about 7,417.","start":1172.83,"end":1182.7699,"sentiment":"neutral","sentiment_score":0.07352341927828328},{"text":"As your balance in increases, that sort of a return will have a much bigger earnings dollar figure attached to it.","start":1182.9099,"end":1189.235,"sentiment":"neutral","sentiment_score":0.12799771183303424},{"text":"So as your balance increases, smaller changes to your portfolio make a bigger difference.","start":1189.235,"end":1194.295,"sentiment":"neutral","sentiment_score":0.12775571631001575},{"text":"Yes.","start":1194.355,"end":1194.835,"sentiment":"neutral","sentiment_score":0.16106508672237396}],"sentiment":"neutral","sentiment_score":0.14450513449911442,"num_words":72,"start":1170.6699,"end":1194.835},{"sentences":[{"text":"So that'll be something to kind of keep tracking, keep looking at as we compound things forward for you.","start":1194.835,"end":1200.75,"sentiment":"neutral","sentiment_score":0.2683760068918529},{"text":"But do you have any questions about your suit for the insurance?","start":1200.75,"end":1203.5499,"sentiment":"neutral","sentiment_score":0.03355329607923826},{"text":"Is there anything I've kind of gone through with you at the moment?","start":1203.5499,"end":1206.2899,"sentiment":"neutral","sentiment_score":0.0015453728130803658},{"text":"No?","start":1208.51,"end":1209.01,"sentiment":"neutral","sentiment_score":-0.22851040959358215},{"text":"Thank you.","start":1212.285,"end":1213.105,"sentiment":"positive","sentiment_score":0.5106629729270935}],"sentiment":"neutral","sentiment_score":0.13435508652610031,"num_words":47,"start":1194.835,"end":1213.105},{"sentences":[{"text":"Definitely keep trying.","start":1213.565,"end":1214.945,"sentiment":"neutral","sentiment_score":0.3068031370639801},{"text":"Did you want me to do a bit of a catch up in the next sort of three, six months for you just to sort of see how things are tracking in that time frame with the volatility that we are going through at the moment, or did you want just another twelve months?","start":1215.645,"end":1227.03,"sentiment":"neutral","sentiment_score":0.029013344362654066},{"text":"Yeah.","start":1227.03,"end":1227.53,"sentiment":"neutral","sentiment_score":0.11628036201000214},{"text":"Absolutely.","start":1228.63,"end":1229.13,"sentiment":"neutral","sentiment_score":0.24180972576141355},{"text":"I'll pop it down there for you.","start":1229.43,"end":1230.7101,"sentiment":"neutral","sentiment_score":0.17385920030730112}],"sentiment":"neutral","sentiment_score":0.061549007525723995,"num_words":66,"start":1213.565,"end":1230.7101},{"sentences":[{"text":"Would you prefer three or six months there, Melinda?","start":1230.7101,"end":1233.13,"sentiment":"neutral","sentiment_score":0.05416378378868103},{"text":"Six months.","start":1235.67,"end":1236.4901,"sentiment":"neutral","sentiment_score":0.013310026843100786},{"text":"Yep.","start":1236.63,"end":1237.13,"sentiment":"neutral","sentiment_score":0.048964180052280426},{"text":"Yeah.","start":1238.965,"end":1239.465,"sentiment":"neutral","sentiment_score":0.029988739639520645},{"text":"Absolutely.","start":1240.4049,"end":1240.9049,"sentiment":"neutral","sentiment_score":0.2065507024526596}],"sentiment":"neutral","sentiment_score":0.057114123566342254,"num_words":14,"start":1230.7101,"end":1240.9049},{"sentences":[{"text":"No.","start":1241.5249,"end":1241.7649,"sentiment":"neutral","sentiment_score":0.2344619631767273},{"text":"Not a problem at all.","start":1241.7649,"end":1242.725,"sentiment":"neutral","sentiment_score":0.31499370336532595},{"text":"I'll pop that in my calendar then.","start":1242.725,"end":1244.085,"sentiment":"neutral","sentiment_score":0.3238103347165244},{"text":"My team will book you in, give you a call just before that six month mark, and they'll book you in so we can have a bit of a catch up there just ready and in time for the Christmas break for us all.","start":1244.085,"end":1254.38,"sentiment":"neutral","sentiment_score":0.27501456676559016},{"text":"Okay?","start":1254.44,"end":1254.94,"sentiment":"neutral","sentiment_score":0.13353247940540314}],"sentiment":"neutral","sentiment_score":0.28121165931224823,"num_words":58,"start":1241.5249,"end":1254.94},{"sentences":[{"text":"Fantastic.","start":1256.6,"end":1257.1,"sentiment":"positive","sentiment_score":0.5765566825866699},{"text":"I just also wanted to run through and just kind of update any additional details that we might have for you.","start":1258.36,"end":1263.98,"sentiment":"neutral","sentiment_score":0.2457180597952434},{"text":"I've confirmed your income.","start":1264.655,"end":1266.115,"sentiment":"neutral","sentiment_score":0.19280943647027016},{"text":"Last year, when we kinda spoke, you were able to save about $200 per week.","start":1266.255,"end":1270.655,"sentiment":"neutral","sentiment_score":0.15424804538488388},{"text":"What's the expenditure looking like?","start":1270.655,"end":1272.1749,"sentiment":"neutral","sentiment_score":0.009501926600933075}],"sentiment":"neutral","sentiment_score":0.19280660865099533,"num_words":46,"start":1256.6,"end":1272.1749},{"sentences":[{"text":"Are you still managing to save or put some money away, or is it a bit hard at the moment?","start":1272.1749,"end":1276.4349,"sentiment":"neutral","sentiment_score":-0.12088379506021737},{"text":"Yeah.","start":1278.5701,"end":1279.0701,"sentiment":"neutral","sentiment_score":-0.011290352791547775},{"text":"Mhmm.","start":1288.01,"end":1288.51,"sentiment":"neutral","sentiment_score":-0.0059073809534311295},{"text":"Yep.","start":1309.7201,"end":1309.8,"sentiment":"neutral","sentiment_score":0.028897281736135483},{"text":"Yep.","start":1309.8,"end":1310.3,"sentiment":"neutral","sentiment_score":0.02254840731620789}],"sentiment":"neutral","sentiment_score":-0.09930949774570763,"num_words":24,"start":1272.1749,"end":1310.3},{"sentences":[{"text":"Fantastic.","start":1314.2949,"end":1314.7949,"sentiment":"positive","sentiment_score":0.4317031502723694},{"text":"Yeah.","start":1316.0549,"end":1316.5549,"sentiment":"neutral","sentiment_score":0.055193930864334106},{"text":"Oh, absolutely.","start":1320.375,"end":1321.2749,"sentiment":"neutral","sentiment_score":0.20395366847515106},{"text":"Absolutely.","start":1321.975,"end":1322.475,"sentiment":"neutral","sentiment_score":0.24691066145896912},{"text":"No.","start":1323.095,"end":1323.4149,"sentiment":"neutral","sentiment_score":0.24368129670619965}],"sentiment":"neutral","sentiment_score":0.23089939604202905,"num_words":6,"start":1314.2949,"end":1323.4149},{"sentences":[{"text":"Not a problem at all.","start":1323.4149,"end":1325.0149,"sentiment":"positive","sentiment_score":0.3375653922557831},{"text":"Fantastic.","start":1325.0149,"end":1325.5149,"sentiment":"positive","sentiment_score":0.6509523391723633},{"text":"Looking at your other assets and liabilities we had here, we had the 2,015 Nissan X Trail.","start":1326.68,"end":1332.7,"sentiment":"neutral","sentiment_score":0.23132861537091873},{"text":"Noted asset value was about 16,000 last year.","start":1333.24,"end":1336.6,"sentiment":"neutral","sentiment_score":-0.01525690604466945},{"text":"What sort of value would you put on that now if you had to sell the vehicle?","start":1336.6,"end":1339.96,"sentiment":"neutral","sentiment_score":-0.03646820663091015}],"sentiment":"neutral","sentiment_score":0.11519481251404311,"num_words":48,"start":1323.4149,"end":1339.96},{"sentences":[{"text":"What would you want for it?","start":1339.96,"end":1341.42,"sentiment":"neutral","sentiment_score":-0.01781642468025287},{"text":"Yeah.","start":1341.495,"end":1341.995,"sentiment":"neutral","sentiment_score":0.047024328261613846},{"text":"Yeah.","start":1348.855,"end":1349.355,"sentiment":"neutral","sentiment_score":-0.07572683691978455},{"text":"Perfect.","start":1349.415,"end":1349.915,"sentiment":"neutral","sentiment_score":0.035508982837200165},{"text":"Yep.","start":1357.27,"end":1357.59,"sentiment":"neutral","sentiment_score":0.0013100176583975554}],"sentiment":"neutral","sentiment_score":-0.00987820562440902,"num_words":10,"start":1339.96,"end":1357.59},{"sentences":[{"text":"No.","start":1357.59,"end":1357.75,"sentiment":"neutral","sentiment_score":-0.08655757457017899},{"text":"That's okay.","start":1357.75,"end":1358.49,"sentiment":"neutral","sentiment_score":-0.04757929779589176},{"text":"Fantastic.","start":1361.03,"end":1361.53,"sentiment":"positive","sentiment_score":0.6105515956878662},{"text":"Excellent.","start":1361.75,"end":1362.25,"sentiment":"positive","sentiment_score":0.5901000499725342},{"text":"And I've also got the 2004 Nissan Navara with a an estimated value of 8,500.","start":1362.31,"end":1368.435,"sentiment":"neutral","sentiment_score":0.17687871058781943}],"sentiment":"neutral","sentiment_score":0.18360580671578647,"num_words":20,"start":1357.59,"end":1368.435},{"sentences":[{"text":"Would you wanna change or alter that value at all?","start":1368.435,"end":1371.0951,"sentiment":"neutral","sentiment_score":0.06867799498140811},{"text":"Yeah.","start":1378.85,"end":1379.35,"sentiment":"neutral","sentiment_score":-0.17104530334472656},{"text":"Yeah.","start":1383.97,"end":1384.47,"sentiment":"neutral","sentiment_score":-0.08933448046445847},{"text":"Yeah.","start":1388.0499,"end":1388.5499,"sentiment":"neutral","sentiment_score":-0.05140300840139389},{"text":"No.","start":1393.985,"end":1394.485,"sentiment":"neutral","sentiment_score":-0.20587846636772156}],"sentiment":"neutral","sentiment_score":0.012079906516841479,"num_words":14,"start":1368.435,"end":1394.485},{"sentences":[{"text":"No.","start":1395.345,"end":1395.6649,"sentiment":"neutral","sentiment_score":-0.24154925346374512},{"text":"Nothing.","start":1395.6649,"end":1396.065,"sentiment":"neutral","sentiment_score":-0.1147233322262764},{"text":"It's just sort of looking at your overall asset position, you know, your asset and liability position, essentially, just sort of keeping track of what value you bring back to you.","start":1396.065,"end":1405.46,"sentiment":"neutral","sentiment_score":0.08039256185293198},{"text":"But it's also about you know, we're not sort of looking at the expected value of the market as a whole or depreciation cost.","start":1405.46,"end":1412.2599,"sentiment":"neutral","sentiment_score":0.003256862866692245},{"text":"It's just if you sort of sold the property or sold that vehicle, what would you wanna get for it?","start":1412.2599,"end":1417.2999,"sentiment":"neutral","sentiment_score":0.015301813030237098}],"sentiment":"neutral","sentiment_score":0.032728542872158775,"num_words":77,"start":1395.345,"end":1417.2999},{"sentences":[{"text":"What value is it to you?","start":1417.2999,"end":1418.84,"sentiment":"neutral","sentiment_score":0.055012949431935944},{"text":"So you you're welcome to keep it as it is.","start":1419.7251,"end":1421.5651,"sentiment":"positive","sentiment_score":0.4870928943157196},{"text":"If you'd like, it's absolutely fine.","start":1421.5651,"end":1423.425,"sentiment":"neutral","sentiment_score":0.21682045857111612},{"text":"Yeah.","start":1423.805,"end":1424.305,"sentiment":"neutral","sentiment_score":0.004340289160609245},{"text":"Yeah.","start":1429.805,"end":1430.305,"sentiment":"neutral","sentiment_score":-0.02450461313128471}],"sentiment":"neutral","sentiment_score":0.27007354446686804,"num_words":24,"start":1417.2999,"end":1430.305},{"sentences":[{"text":"Yeah.","start":1431.34,"end":1431.6599,"sentiment":"neutral","sentiment_score":-0.0010854452848434448},{"text":"No.","start":1431.6599,"end":1431.82,"sentiment":"neutral","sentiment_score":-0.03958718851208687},{"text":"That's okay.","start":1431.82,"end":1432.6399,"sentiment":"neutral","sentiment_score":0.09210271947085857},{"text":"Beautiful.","start":1432.7799,"end":1433.2799,"sentiment":"positive","sentiment_score":0.5042374730110168},{"text":"All good.","start":1433.6599,"end":1434.5599,"sentiment":"positive","sentiment_score":0.473890483379364}],"sentiment":"neutral","sentiment_score":0.22793589213064738,"num_words":7,"start":1431.34,"end":1434.5599},{"sentences":[{"text":"Did you want me just to decrease it down by 500, maybe say 8,000 average?","start":1435.6599,"end":1439.7599,"sentiment":"neutral","sentiment_score":-0.024728761116663615},{"text":"Sorry.","start":1443.9149,"end":1444.4149,"sentiment":"neutral","sentiment_score":-0.08573712408542633},{"text":"Yeah.","start":1444.835,"end":1445.335,"sentiment":"neutral","sentiment_score":-0.0193241722881794},{"text":"No worries.","start":1445.7549,"end":1447.1749,"sentiment":"neutral","sentiment_score":-0.003831109032034874},{"text":"And contents there, we had noted a value of about 60,000, and that can be quite difficult to estimate the placement cost of all of your belongings.","start":1447.595,"end":1456.015,"sentiment":"neutral","sentiment_score":-0.056240885277037266}],"sentiment":"neutral","sentiment_score":-0.043525192036252956,"num_words":46,"start":1435.6599,"end":1456.015},{"sentences":[{"text":"But would you change the asset value of your contents at all?","start":1456.7949,"end":1460.55,"sentiment":"neutral","sentiment_score":-0.05013252329081297},{"text":"No.","start":1465.49,"end":1465.99,"sentiment":"neutral","sentiment_score":-0.2298262119293213},{"text":"No.","start":1466.61,"end":1467.11,"sentiment":"neutral","sentiment_score":-0.20858529210090637},{"text":"That's absolutely fine.","start":1470.465,"end":1472.085,"sentiment":"neutral","sentiment_score":-0.27402225136756897},{"text":"No.","start":1477.185,"end":1477.425,"sentiment":"neutral","sentiment_score":-0.14529943466186523}],"sentiment":"neutral","sentiment_score":-0.11152044290469752,"num_words":18,"start":1456.7949,"end":1477.425},{"sentences":[{"text":"That's okay.","start":1477.425,"end":1478.145,"sentiment":"neutral","sentiment_score":-0.06011052615940571},{"text":"Let me have a quick look for you.","start":1478.145,"end":1480.245,"sentiment":"neutral","sentiment_score":0.008504318539053202},{"text":"And just double checking.","start":1484.16,"end":1485.52,"sentiment":"neutral","sentiment_score":0.008477421943098307},{"text":"So three bedroom home, you said, and you guys have got three kids.","start":1485.52,"end":1489.38,"sentiment":"neutral","sentiment_score":0.0015169621373598392},{"text":"Family of five.","start":1491.4401,"end":1492.5,"sentiment":"neutral","sentiment_score":0.016449658200144768}],"sentiment":"neutral","sentiment_score":0.0016930888717373211,"num_words":30,"start":1477.425,"end":1492.5},{"sentences":[{"text":"Okay.","start":1500.5751,"end":1501.0751,"sentiment":"neutral","sentiment_score":0.007522687315940857},{"text":"So average cost.","start":1501.135,"end":1503.7151,"sentiment":"neutral","sentiment_score":-0.00007895504434903462},{"text":"So the average replacement cost are estimated for a family of five in a three bedroom home of typically between a 150 to 200,000.","start":1504.3351,"end":1512.65,"sentiment":"neutral","sentiment_score":0.020373437476033967},{"text":"That's fairly standard.","start":1512.71,"end":1514.09,"sentiment":"neutral","sentiment_score":0.07439480411509673},{"text":"I know.","start":1515.03,"end":1515.85,"sentiment":"neutral","sentiment_score":-0.014446087181568146}],"sentiment":"neutral","sentiment_score":0.020925471502723114,"num_words":33,"start":1500.5751,"end":1515.85},{"sentences":[{"text":"No.","start":1526.165,"end":1526.665,"sentiment":"neutral","sentiment_score":-0.1764775812625885},{"text":"That's okay.","start":1526.885,"end":1527.625,"sentiment":"neutral","sentiment_score":-0.13743678480386734},{"text":"Yep.","start":1534.3401,"end":1534.8401,"sentiment":"neutral","sentiment_score":-0.044922180473804474},{"text":"Absolutely.","start":1536.18,"end":1536.68,"sentiment":"neutral","sentiment_score":-0.017638791352510452},{"text":"No.","start":1539.3,"end":1539.62,"sentiment":"neutral","sentiment_score":-0.10060974210500716}],"sentiment":"neutral","sentiment_score":-0.10242031080027421,"num_words":6,"start":1526.165,"end":1539.62},{"sentences":[{"text":"That's okay.","start":1539.62,"end":1540.42,"sentiment":"neutral","sentiment_score":0.11129888147115707},{"text":"That's absolutely not a problem at all.","start":1540.42,"end":1542.42,"sentiment":"positive","sentiment_score":0.48693859577178955},{"text":"Perfect.","start":1542.42,"end":1542.8201,"sentiment":"positive","sentiment_score":0.6976797580718994},{"text":"So I've just updated that for you.","start":1542.8201,"end":1544.76,"sentiment":"positive","sentiment_score":0.51516050526074},{"text":"Fantastic.","start":1544.8201,"end":1545.3201,"sentiment":"positive","sentiment_score":0.6668822765350342}],"sentiment":"positive","sentiment_score":0.47788075026538634,"num_words":18,"start":1539.62,"end":1545.3201},{"sentences":[{"text":"And then I've also got down here that you guys are renting.","start":1546.455,"end":1548.535,"sentiment":"neutral","sentiment_score":0.09933277716239293},{"text":"You were were paying about 320 per week.","start":1548.535,"end":1551.335,"sentiment":"neutral","sentiment_score":0.026543633081018925},{"text":"Has your rent increased at all?","start":1551.335,"end":1553.355,"sentiment":"neutral","sentiment_score":0.01376085231701533},{"text":"It has.","start":1554.615,"end":1555.1749,"sentiment":"neutral","sentiment_score":0.02108749747276306},{"text":"What are we paying now?","start":1555.1749,"end":1556.635,"sentiment":"neutral","sentiment_score":0.00908470544964075}],"sentiment":"neutral","sentiment_score":0.047712303839172375,"num_words":33,"start":1546.455,"end":1556.635},{"sentences":[{"text":"$4.20 per week.","start":1557.655,"end":1559.195,"sentiment":"neutral","sentiment_score":0.030573055769006412},{"text":"Beautiful.","start":1559.91,"end":1560.41,"sentiment":"positive","sentiment_score":0.442626953125},{"text":"Thank you for updating those.","start":1560.4701,"end":1562.01,"sentiment":"positive","sentiment_score":0.41450788974761965},{"text":"Any new cars, boats, caravans, investments, collections, or anything else of value you wanna note down at all?","start":1562.39,"end":1568.9701,"sentiment":"neutral","sentiment_score":0.10922115399605697},{"text":"No?","start":1570.55,"end":1571.03,"sentiment":"neutral","sentiment_score":0.0018916856497526169}],"sentiment":"neutral","sentiment_score":0.163384215241032,"num_words":28,"start":1557.655,"end":1571.03},{"sentences":[{"text":"Beautiful.","start":1571.03,"end":1571.53,"sentiment":"neutral","sentiment_score":0.1719312220811844},{"text":"We also had noted that you hadn't done a will and power of attorney last year.","start":1572.505,"end":1576.665,"sentiment":"neutral","sentiment_score":0.02632422067108564},{"text":"I know part of the advice was to speak to a solicitor and have your power of attorney and will complete it.","start":1576.665,"end":1581.945,"sentiment":"neutral","sentiment_score":0.02393608997491273},{"text":"But have you guys thought about doing that or talked about it or had that done in the last twelve months at all?","start":1581.945,"end":1587.165,"sentiment":"neutral","sentiment_score":-0.0070152279070538025},{"text":"No.","start":1590.4601,"end":1590.7001,"sentiment":"neutral","sentiment_score":-0.08811722695827484}],"sentiment":"neutral","sentiment_score":0.013813416880097181,"num_words":63,"start":1571.03,"end":1590.7001},{"sentences":[{"text":"That's understand.","start":1590.7001,"end":1591.68,"sentiment":"neutral","sentiment_score":-0.07399279996752739},{"text":"Yeah.","start":1594.54,"end":1595.04,"sentiment":"neutral","sentiment_score":-0.11155331134796144},{"text":"Yeah.","start":1599.5,"end":1599.7401,"sentiment":"neutral","sentiment_score":-0.05384150892496109},{"text":"No.","start":1599.7401,"end":1599.9801,"sentiment":"neutral","sentiment_score":-0.06783419847488403},{"text":"Understandable.","start":1599.9801,"end":1600.4801,"sentiment":"neutral","sentiment_score":-0.036071836948394775}],"sentiment":"neutral","sentiment_score":-0.06954774260520935,"num_words":6,"start":1590.7001,"end":1600.4801},{"sentences":[{"text":"Understandable.","start":1601.1001,"end":1601.6001,"sentiment":"neutral","sentiment_score":-0.015389492735266684},{"text":"That's absolutely fine.","start":1602.245,"end":1603.125,"sentiment":"neutral","sentiment_score":0.14988853534062704},{"text":"It is still really important to do.","start":1603.125,"end":1604.5651,"sentiment":"neutral","sentiment_score":0.053599207528999875},{"text":"I think one of the biggest things to consider when you're doing your estate planning, having a will done up, is taking into account your cars that might have to be sold off, you know, any tools of trade that you guys might have, but also take into account the power of attorney.","start":1604.5651,"end":1618.41,"sentiment":"neutral","sentiment_score":0.03592335524142913},{"text":"So if you say, as an example, had a car accident and you were unable to make decisions for yourself, whether it be medical or financial, having a power of attorney in place as part of your overall estate planning means that somebody has direction as to what you want to happen in certain instances or how you want them to act on your behalf.","start":1618.41,"end":1636.635,"sentiment":"neutral","sentiment_score":0.06119904830478705}],"sentiment":"neutral","sentiment_score":0.0518709033612133,"num_words":129,"start":1601.1001,"end":1636.635},{"sentences":[{"text":"But also because you guys do have kids having a guardianship in place.","start":1637.175,"end":1640.695,"sentiment":"neutral","sentiment_score":0.05478908551427034},{"text":"So if something happens to the both of you, what do you want to happen to your kids?","start":1640.695,"end":1645.035,"sentiment":"neutral","sentiment_score":0.004305322240624163},{"text":"Yeah.","start":1645.63,"end":1646.13,"sentiment":"neutral","sentiment_score":0.019647369161248207},{"text":"Yeah.","start":1651.39,"end":1651.89,"sentiment":"neutral","sentiment_score":0.026111040264368057},{"text":"Yeah.","start":1661.245,"end":1661.745,"sentiment":"neutral","sentiment_score":0.06618285179138184}],"sentiment":"neutral","sentiment_score":0.02652044627158081,"num_words":34,"start":1637.175,"end":1661.745},{"sentences":[{"text":"The other thing is, like, with the will, just the way you kinda can structure it, and this is a bit of an example.","start":1661.805,"end":1667.425,"sentiment":"neutral","sentiment_score":0.21208855944375196},{"text":"I mean, I've got kids to my ex husband as well as kids to my current husband now, and my will was set up so that everything I had would get sold and put into trust so my kids would be receiving income.","start":1667.565,"end":1678.9501,"sentiment":"neutral","sentiment_score":0.24260291855695637},{"text":"Also, the person that looked after them, you know, the guardian would receive income to cover school costs and things like that.","start":1679.17,"end":1685.01,"sentiment":"neutral","sentiment_score":0.2205890759148381},{"text":"So the other aspect is being able to sell off your cars, boats, caravans, savings accounts, things like that in the event that something happened and what you want to happen to that money so it's to support your children for longevity.","start":1685.01,"end":1696.765,"sentiment":"positive","sentiment_score":0.4448077714159375},{"text":"So there's, you know, a lot of things to kinda consider there, but having a really good chat to us, Melissa, can kind of give you guys a little bit more, you know, of an idea of what you want to happen and really kinda make you think about what it is what if something happened to us, and how would we want it structured, and how would we want the kids looked after, and who by?","start":1697.065,"end":1716.99,"sentiment":"positive","sentiment_score":0.4055530349542568}],"sentiment":"positive","sentiment_score":0.3379063494503498,"num_words":208,"start":1661.805,"end":1716.99},{"sentences":[{"text":"And, you know, if I something happens to me, what do I want to happen?","start":1716.99,"end":1720.185,"sentiment":"neutral","sentiment_score":0.11973974655071894},{"text":"What questions do I want asked?","start":1720.485,"end":1721.845,"sentiment":"neutral","sentiment_score":0.13692335536082587},{"text":"And who do I trust to make those financial and or medical decisions on my behalf?","start":1721.845,"end":1726.505,"sentiment":"neutral","sentiment_score":0.10765301808714867},{"text":"So it it can be quite a powerful document, but I still do recommend going, you know, speak to a solicitor and have that Yeah.","start":1726.645,"end":1736.37,"sentiment":"neutral","sentiment_score":0.137223252505064},{"text":"Yeah.","start":1739.15,"end":1739.65,"sentiment":"neutral","sentiment_score":-0.03176277130842209}],"sentiment":"neutral","sentiment_score":0.1228397327164809,"num_words":63,"start":1716.99,"end":1739.65},{"sentences":[{"text":"No.","start":1743.39,"end":1743.89,"sentiment":"neutral","sentiment_score":-0.14029212296009064},{"text":"That's okay.","start":1744.59,"end":1745.49,"sentiment":"neutral","sentiment_score":0.1087050810456276},{"text":"Did we end up sending through some details on a local solicitor and some costing around the will and power of attorney side of things to you last year at all?","start":1745.55,"end":1755.3151,"sentiment":"neutral","sentiment_score":0.08870767321317427},{"text":"Did anyone send that through?","start":1755.3151,"end":1756.775,"sentiment":"neutral","sentiment_score":0.002335384115576744},{"text":"No.","start":1758.035,"end":1758.275,"sentiment":"neutral","sentiment_score":-0.21014773845672607}],"sentiment":"neutral","sentiment_score":0.06571462727151811,"num_words":40,"start":1743.39,"end":1758.275},{"sentences":[{"text":"That's okay.","start":1758.275,"end":1758.915,"sentiment":"neutral","sentiment_score":-0.05120108462870122},{"text":"If you like, we can do up a bit of an email with it's more of just a a general information email.","start":1758.915,"end":1764.2,"sentiment":"neutral","sentiment_score":0.059158927337689834},{"text":"It has a costing of one of the local solicitors that we use.","start":1764.2,"end":1767.24,"sentiment":"neutral","sentiment_score":0.05123649924420393},{"text":"It sort of shows you how much it costs to do a will and a power of attorney to start the conversation between you both, and that might sort of give you a bit of a helping hand there.","start":1767.24,"end":1776.5549,"sentiment":"neutral","sentiment_score":0.10251636669421807},{"text":"And then, yeah, to start that conversation, then if you do have a local solicitor that you are comfortable talking to, you're welcome to kind of visit them as well and sort of have that conversation and look at how best to structure things outside of your super and your life insurance to protect everything that you've worked so hard for.","start":1776.5549,"end":1794.6599,"sentiment":"neutral","sentiment_score":0.08825827064755999}],"sentiment":"neutral","sentiment_score":0.08209533965636562,"num_words":137,"start":1758.275,"end":1794.6599},{"sentences":[{"text":"Yeah.","start":1796.32,"end":1796.72,"sentiment":"neutral","sentiment_score":0.1696484088897705},{"text":"Beautiful.","start":1796.72,"end":1797.2,"sentiment":"positive","sentiment_score":0.5047646164894104},{"text":"Well, I'll get that email done up for you.","start":1797.2,"end":1798.72,"sentiment":"positive","sentiment_score":0.3963065842787425},{"text":"It's not a problem at all, but thank you for updating all those details there.","start":1798.72,"end":1802.5,"sentiment":"positive","sentiment_score":0.575471446911494},{"text":"The other thing is looking at your goals as well.","start":1803.415,"end":1806.775,"sentiment":"neutral","sentiment_score":0.16473660320043565}],"sentiment":"positive","sentiment_score":0.4033502783212397,"num_words":36,"start":1796.32,"end":1806.775},{"sentences":[{"text":"So we were tracking forward retirement around about age 65, hoping to draw about a thousand dollars a week.","start":1806.775,"end":1813.975,"sentiment":"neutral","sentiment_score":0.08152078817549505},{"text":"Is that still what we're tracking for with Super?","start":1813.975,"end":1816.0751,"sentiment":"neutral","sentiment_score":0.06093427911400795},{"text":"Yeah.","start":1818.7999,"end":1819.12,"sentiment":"neutral","sentiment_score":0.06837344169616699},{"text":"That's okay.","start":1819.12,"end":1819.94,"sentiment":"neutral","sentiment_score":0.09506548568606377},{"text":"No.","start":1828.0,"end":1828.32,"sentiment":"neutral","sentiment_score":-0.07417435199022293}],"sentiment":"neutral","sentiment_score":0.07130104838870466,"num_words":32,"start":1806.775,"end":1828.32},{"sentences":[{"text":"That's okay.","start":1828.32,"end":1829.1399,"sentiment":"neutral","sentiment_score":0.011705771088600159},{"text":"Yeah.","start":1838.515,"end":1838.835,"sentiment":"neutral","sentiment_score":0.2182183414697647},{"text":"Absolutely.","start":1838.835,"end":1839.335,"sentiment":"neutral","sentiment_score":0.2407187223434448},{"text":"And, look, you don't have to wait till age 65.","start":1839.635,"end":1842.115,"sentiment":"neutral","sentiment_score":0.13622451201081276},{"text":"If you decide at 60 you wanna retire, you can let me know.","start":1842.115,"end":1845.16,"sentiment":"neutral","sentiment_score":0.1965852528810501}],"sentiment":"neutral","sentiment_score":0.16297044494637736,"num_words":27,"start":1828.32,"end":1845.16},{"sentences":[{"text":"That's absolutely fine, and we'll make sure we update things as we are tracking towards those ages.","start":1845.16,"end":1850.38,"sentiment":"neutral","sentiment_score":0.23088827685398214},{"text":"But as an under the current Hopefully not.","start":1850.8401,"end":1857.255,"sentiment":"neutral","sentiment_score":-0.1149525186046958},{"text":"I want you to enjoy those years.","start":1857.255,"end":1859.1951,"sentiment":"neutral","sentiment_score":0.06300475980554308},{"text":"No.","start":1862.6951,"end":1863.0951,"sentiment":"neutral","sentiment_score":-0.04198026657104492},{"text":"All 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beautiful.","start":1878.4,"end":1879.38,"sentiment":"positive","sentiment_score":0.7661565840244293}],"sentiment":"neutral","sentiment_score":0.2540277241458816,"num_words":62,"start":1863.655,"end":1879.38},{"sentences":[{"text":"Excellent.","start":1879.76,"end":1880.26,"sentiment":"positive","sentiment_score":0.6287023425102234},{"text":"Other goals that we have noted down here, we were looking at sorry.","start":1881.775,"end":1886.675,"sentiment":"neutral","sentiment_score":0.19214943796396255},{"text":"Cash flow and budgeting.","start":1888.415,"end":1889.4551,"sentiment":"neutral","sentiment_score":0.16527292504906654},{"text":"You just wanted to take some holidays every couple of years.","start":1889.4551,"end":1892.415,"sentiment":"neutral","sentiment_score":0.12787089496850967},{"text":"Do you have any holidays planned for this year or not really 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know, 1 or $2,000, whereas others might need a a good deposit of 20 or 30 to make it worthwhile.","start":2146.505,"end":2159.41,"sentiment":"neutral","sentiment_score":0.1147947618547751},{"text":"But we have access to lots of different investment structures like Hub twenty four, like your super, or other investment platforms that require a smaller balance of, say, 1,000 or 2,000.","start":2160.03,"end":2171.395,"sentiment":"neutral","sentiment_score":0.17775196173498709},{"text":"So we wanna sort of see what you've got as a deposit or as an initial investment amount, build a portfolio around what your goals are.","start":2171.9348,"end":2180.675,"sentiment":"neutral","sentiment_score":0.21863124806147355},{"text":"In as I mentioned in your super, you've got that growth asset allocation of $80.20 split between growth and defensive 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achieve.","start":2201.7449,"end":2216.48,"sentiment":"neutral","sentiment_score":0.19632715792680272},{"text":"We'd also wanna find out the time horizon, how long you're wanting to invest for.","start":2217.02,"end":2221.84,"sentiment":"neutral","sentiment_score":0.13888370593388874},{"text":"I would personally never invest money that you wanna use in the next three to five years.","start":2222.085,"end":2226.905,"sentiment":"negative","sentiment_score":-0.4630178616327398}],"sentiment":"neutral","sentiment_score":0.021795777155828654,"num_words":133,"start":2187.85,"end":2226.905},{"sentences":[{"text":"Investing, same as super, is meant to be a long term sort of, project and medium to long term.","start":2227.605,"end":2232.805,"sentiment":"neutral","sentiment_score":0.09166491737491206},{"text":"You wanna invest for five plus years, because investing money for a longer time allows you to 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so.","start":2269.4302,"end":2281.905,"sentiment":"neutral","sentiment_score":0.2105655252933502},{"text":"We review them every year.","start":2282.045,"end":2283.905,"sentiment":"neutral","sentiment_score":0.15278198719024658},{"text":"One of the biggest things to sort of take into account is when you're investing in your own name, you actually have to account for income and growth as part of your tax returns.","start":2284.125,"end":2293.2449,"sentiment":"neutral","sentiment_score":0.12291826417340952},{"text":"So we do have yeah.","start":2293.2449,"end":2302.9502,"sentiment":"neutral","sentiment_score":0.07719017192721367},{"text":"Yeah.","start":2302.9502,"end":2303.4502,"sentiment":"neutral","sentiment_score":0.02685653045773506}],"sentiment":"neutral","sentiment_score":0.16210069787852904,"num_words":85,"start":2269.4302,"end":2303.4502},{"sentences":[{"text":"Yeah.","start":2307.125,"end":2307.625,"sentiment":"neutral","sentiment_score":0.026911897584795952},{"text":"There 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long.","start":2343.495,"end":2356.95,"sentiment":"positive","sentiment_score":0.4893089775976382},{"text":"And the income of the growth is all sorted and looked after inside that bond.","start":2356.95,"end":2361.145,"sentiment":"positive","sentiment_score":0.5462749739487965},{"text":"So you actually don't have to account for those every year on your personal tax return.","start":2361.145,"end":2366.345,"sentiment":"positive","sentiment_score":0.4556440357118845},{"text":"So there are ways to invest in different different structures where it's not gonna affect your personal income tax side of things.","start":2366.345,"end":2373.2449,"sentiment":"positive","sentiment_score":0.3911108361049132}],"sentiment":"positive","sentiment_score":0.4485400655078438,"num_words":106,"start":2338.855,"end":2373.2449},{"sentences":[{"text":"It's, you know, long long term investing.","start":2373.865,"end":2376.72,"sentiment":"positive","sentiment_score":0.5222516655921936},{"text":"There's lots of different fun things that we can look at that we can do.","start":2376.72,"end":2380.32,"sentiment":"positive","sentiment_score":0.689490282535553},{"text":"It all comes down to what your goals are, and that kinda comes back to the question about whether you invest in a portfolio or buy a house first.","start":2380.32,"end":2388.56,"sentiment":"neutral","sentiment_score":0.27649871696685924},{"text":"It all comes down to what's more important to you.","start":2388.56,"end":2391.095,"sentiment":"neutral","sentiment_score":0.21906557083129882},{"text":"Is it buying that house and having that place for your family to live in your forever home or, you know, your first home to get you out of the rental market?","start":2391.395,"end":2399.335,"sentiment":"neutral","sentiment_score":0.18665167049039155}],"sentiment":"neutral","sentiment_score":0.3245170736905708,"num_words":93,"start":2373.865,"end":2399.335},{"sentences":[{"text":"Or are you more comfortable putting a bit of money away and maybe growing wealth to supplement, you know, super down the track or to, you know, put some money away for university for the kids or to just, you know, hopefully retire a bit earlier.","start":2399.635,"end":2415.46,"sentiment":"neutral","sentiment_score":0.2001683311941831},{"text":"It all just comes down to what your thoughts are.","start":2415.46,"end":2417.925,"sentiment":"neutral","sentiment_score":-0.030397603660821913},{"text":"Absolutely not.","start":2418.245,"end":2419.465,"sentiment":"neutral","sentiment_score":-0.26992496848106384},{"text":"Absolutely not.","start":2419.605,"end":2420.905,"sentiment":"neutral","sentiment_score":-0.20901471376419067},{"text":"Absolutely not.","start":2422.805,"end":2423.845,"sentiment":"neutral","sentiment_score":-0.24259782582521439}],"sentiment":"neutral","sentiment_score":0.12033374487392363,"num_words":62,"start":2399.635,"end":2423.845},{"sentences":[{"text":"The other side of that is if you wanted to do both, we can always look at your budget, look at your budget planner, and sort of work out where your money is going and how you can save for a deposit over here and then also invest over here, how much you would need to put in.","start":2423.845,"end":2439.83,"sentiment":"neutral","sentiment_score":0.23641849912959953},{"text":"Because one of the biggest things is you have that initial deposit for your investment, but then you also do wanna like, you're super with your super contributions, you also do wanna be making regular deposits into your investments.","start":2439.83,"end":2451.3452,"sentiment":"positive","sentiment_score":0.439327087921974},{"text":"That does help it grow.","start":2451.405,"end":2452.865,"sentiment":"positive","sentiment_score":0.6309202313423157},{"text":"Investments will only work so far without having additional contributions.","start":2453.405,"end":2458.385,"sentiment":"positive","sentiment_score":0.3429188322275877},{"text":"Keep you know, continuously putting capital in is really important as well.","start":2458.685,"end":2462.5251,"sentiment":"positive","sentiment_score":0.508622832596302}],"sentiment":"positive","sentiment_score":0.35107494232755515,"num_words":124,"start":2423.845,"end":2462.5251},{"sentences":[{"text":"So there are ways to do both of those.","start":2462.5251,"end":2465.22,"sentiment":"positive","sentiment_score":0.4413495428032345},{"text":"It just comes down to what your goals are, what's important to you, your time horizon, how much risk you're willing to take on, how long you wanna invest for, and what kind of money you have available to you as well so that we're not over extending and putting money away that you might need to pull out in the short term and, you know, cement losses and things like that.","start":2465.22,"end":2484.775,"sentiment":"neutral","sentiment_score":0.1614460443250007},{"text":"So there's lots of things that we take into account when we are investing, and I'm absolutely happy to have more of a conversation with you both about it, look at what your goals are, look at how we can structure things to benefit you, to build long term wealth, and, you know, hopefully, get you to retire a bit earlier before super accessibility or even to supplement super or even to, you know, be able to use as a deposit in the next ten or so years to buy a house.","start":2484.775,"end":2513.835,"sentiment":"positive","sentiment_score":0.5476881502115208},{"text":"So there's lots of different Beautiful.","start":2514.455,"end":2519.355,"sentiment":"neutral","sentiment_score":0.12333955119053523},{"text":"Yeah.","start":2531.7,"end":2532.18,"sentiment":"neutral","sentiment_score":0.01551857404410839}],"sentiment":"positive","sentiment_score":0.37077292654042443,"num_words":180,"start":2462.5251,"end":2532.18},{"sentences":[{"text":"Yeah.","start":2532.18,"end":2532.68,"sentiment":"neutral","sentiment_score":0.025311382487416267},{"text":"Absolutely.","start":2533.155,"end":2533.655,"sentiment":"neutral","sentiment_score":0.07911716401576996},{"text":"Yeah.","start":2539.1626,"end":2539.6626,"sentiment":"neutral","sentiment_score":-0.07739584892988205},{"text":"Yeah.","start":2548.29,"end":2548.79,"sentiment":"neutral","sentiment_score":-0.04788874089717865},{"text":"Yeah.","start":2563.665,"end":2564.165,"sentiment":"neutral","sentiment_score":0.047875188291072845}],"sentiment":"neutral","sentiment_score":0.0054038289934396746,"num_words":5,"start":2532.18,"end":2564.165},{"sentences":[{"text":"Yeah.","start":2568.225,"end":2568.725,"sentiment":"neutral","sentiment_score":0.15428969264030457},{"text":"Absolutely.","start":2569.44,"end":2569.94,"sentiment":"neutral","sentiment_score":-0.04089776799082756},{"text":"And, look, I mean, worst case, if you just wanted to look at buying a house, we can also refer you through to a mortgage broker.","start":2570.4,"end":2576.48,"sentiment":"neutral","sentiment_score":0.06755845764508614},{"text":"So we do have lots of different mortgage brokers that we have access to.","start":2576.48,"end":2580.02,"sentiment":"neutral","sentiment_score":0.19619641453027725},{"text":"Mortgage brokers are at no cost for yourself, and they can even just have a look at your borrowing capacity, you know, and see what you might be able to buy, how much of a deposit you have, what the options are at there for you as, you know, a first home buyer, what grants you may have access to, whether you need to have a guarantor.","start":2580.32,"end":2599.52,"sentiment":"neutral","sentiment_score":0.19930882151447124}],"sentiment":"neutral","sentiment_score":0.16486562081023093,"num_words":109,"start":2568.225,"end":2599.52},{"sentences":[{"text":"So we can always refer you through to a mortgage broker to have that conversation with them as well, look at borrowing capacity and see, you know, what's available to you, or, you know, do you just hold off for six months and and, you know, put a bit more money away.","start":2600.3801,"end":2612.535,"sentiment":"neutral","sentiment_score":0.09061764990194486},{"text":"So there's also that option.","start":2612.535,"end":2614.075,"sentiment":"neutral","sentiment_score":0.1091380164027214},{"text":"And as I mentioned, the mortgage broker is just a referral through.","start":2614.375,"end":2617.175,"sentiment":"neutral","sentiment_score":0.11886762641370296},{"text":"They'll give you a call.","start":2617.175,"end":2618.055,"sentiment":"neutral","sentiment_score":0.14246063232421874},{"text":"They're no cost to you.","start":2618.055,"end":2619.095,"sentiment":"neutral","sentiment_score":0.14406023919582367}],"sentiment":"neutral","sentiment_score":0.10274460444910617,"num_words":79,"start":2600.3801,"end":2619.095},{"sentences":[{"text":"They're paid by the bank.","start":2619.095,"end":2620.375,"sentiment":"neutral","sentiment_score":0.1377070277929306},{"text":"They write the loan through.","start":2620.375,"end":2621.495,"sentiment":"neutral","sentiment_score":0.10713783204555512},{"text":"They get commission for those sorts of things.","start":2621.495,"end":2623.495,"sentiment":"neutral","sentiment_score":0.1095826905220747},{"text":"So oh, Oh, nice.","start":2623.495,"end":2627.83,"sentiment":"neutral","sentiment_score":0.1790810590609908},{"text":"Nice.","start":2627.83,"end":2628.33,"sentiment":"neutral","sentiment_score":0.2850589454174042}],"sentiment":"neutral","sentiment_score":0.13488126108827797,"num_words":23,"start":2619.095,"end":2628.33},{"sentences":[{"text":"Yeah.","start":2631.67,"end":2632.17,"sentiment":"neutral","sentiment_score":0.06374378502368927},{"text":"Oh, lovely.","start":2637.525,"end":2638.105,"sentiment":"neutral","sentiment_score":0.33036670833826065},{"text":"Oh, fantastic.","start":2647.045,"end":2647.9448,"sentiment":"positive","sentiment_score":0.4403267800807953},{"text":"Yeah.","start":2656.02,"end":2656.42,"sentiment":"neutral","sentiment_score":0.012817839160561562},{"text":"Yeah.","start":2656.42,"end":2656.9001,"sentiment":"neutral","sentiment_score":0.005105623975396156}],"sentiment":"neutral","sentiment_score":0.23186488928539412,"num_words":7,"start":2631.67,"end":2656.9001},{"sentences":[{"text":"Sometimes it's easy to have someone you don't know so personally combing through your financials.","start":2656.9001,"end":2661.08,"sentiment":"neutral","sentiment_score":-0.009939755375186602},{"text":"Yeah.","start":2661.3,"end":2661.62,"sentiment":"neutral","sentiment_score":0.04384045675396919},{"text":"Absolutely.","start":2661.62,"end":2662.12,"sentiment":"neutral","sentiment_score":0.03101923130452633},{"text":"No.","start":2663.225,"end":2663.625,"sentiment":"neutral","sentiment_score":-0.027601778507232663},{"text":"Absolutely fine.","start":2663.625,"end":2664.585,"sentiment":"neutral","sentiment_score":0.0862930491566658}],"sentiment":"neutral","sentiment_score":0.0035373838618397713,"num_words":20,"start":2656.9001,"end":2664.585},{"sentences":[{"text":"And, look, it's it's much of a muchness.","start":2664.585,"end":2666.425,"sentiment":"neutral","sentiment_score":-0.061107135843485594},{"text":"It's really dependent upon what your preferences are.","start":2666.425,"end":2668.985,"sentiment":"neutral","sentiment_score":-0.037369067780673504},{"text":"So, I mean, you guys have a conversation, talk about what is you're after.","start":2668.985,"end":2672.825,"sentiment":"neutral","sentiment_score":0.015368999780288764},{"text":"If you want another conversation with me come back, I'm more than happy to do so.","start":2672.825,"end":2677.085,"sentiment":"positive","sentiment_score":0.6886809840798378},{"text":"If you wanna refer to a mortgage broker, I can organize that nice and easily for you.","start":2677.41,"end":2681.8298,"sentiment":"positive","sentiment_score":0.6608300419414744}],"sentiment":"positive","sentiment_score":0.344132743273226,"num_words":63,"start":2664.585,"end":2681.8298},{"sentences":[{"text":"And if you do wanna get Bye bye.","start":2682.13,"end":2684.3098,"sentiment":"neutral","sentiment_score":0.33216940984129906},{"text":"Yeah.","start":2684.69,"end":2685.19,"sentiment":"neutral","sentiment_score":0.025683140382170677},{"text":"Yeah.","start":2688.21,"end":2688.71,"sentiment":"neutral","sentiment_score":0.07697661221027374},{"text":"Yeah.","start":2694.385,"end":2694.885,"sentiment":"neutral","sentiment_score":0.12619957327842712},{"text":"Yeah.","start":2699.425,"end":2699.925,"sentiment":"neutral","sentiment_score":0.0607195757329464}],"sentiment":"neutral","sentiment_score":0.2455778483611842,"num_words":12,"start":2682.13,"end":2699.925},{"sentences":[{"text":"Yep.","start":2701.68,"end":2702.18,"sentiment":"neutral","sentiment_score":0.1484944224357605},{"text":"Just with myself?","start":2705.04,"end":2705.94,"sentiment":"neutral","sentiment_score":0.06118426968653997},{"text":"Yes.","start":2706.16,"end":2706.66,"sentiment":"neutral","sentiment_score":0.2692278027534485},{"text":"You guys just let me know what you wanna do.","start":2706.88,"end":2709.38,"sentiment":"positive","sentiment_score":0.3976370543241501},{"text":"To have a conversation, there's no cost for that whatsoever.","start":2709.8398,"end":2713.14,"sentiment":"positive","sentiment_score":0.4331195503473282}],"sentiment":"positive","sentiment_score":0.35635364323854446,"num_words":25,"start":2701.68,"end":2713.14},{"sentences":[{"text":"If we do build an investment portfolio, we do charge or similar to your sleep, we do charge an ongoing management fee for doing so.","start":2714.145,"end":2722.165,"sentiment":"neutral","sentiment_score":0.28329295337200167},{"text":"And I'd sort of give you a bit more of an in-depth chat around what that is together there.","start":2722.7852,"end":2727.2852,"sentiment":"neutral","sentiment_score":0.26213950938300085},{"text":"If you are just looking for, you know, one of piece of advice in relation to, you know, budgeting or savings and things like that and some personal advice documents, we do charge 750 out of pocket for that one.","start":2727.62,"end":2741.8,"sentiment":"neutral","sentiment_score":0.24129582904279231},{"text":"But it it can just be a general conversation if you just want some general advice or even just a strategy paper, noting down just a couple of different options.","start":2742.125,"end":2750.2048,"sentiment":"positive","sentiment_score":0.3987265865008036},{"text":"That's all fully complimentary.","start":2750.2048,"end":2751.585,"sentiment":"positive","sentiment_score":0.6386737823486328}],"sentiment":"neutral","sentiment_score":0.30704491863311345,"num_words":118,"start":2714.145,"end":2751.585},{"sentences":[{"text":"So I can do a lot of different things depending on what you're after, what you're comfortable doing.","start":2751.805,"end":2756.83,"sentiment":"positive","sentiment_score":0.3431370597746637},{"text":"And the first thing is to get a time when the both of you are there together to really talk about what your goals are.","start":2757.69,"end":2764.11,"sentiment":"neutral","sentiment_score":0.3239393174648285},{"text":"I can send you out a budget planner if you like that you can sort of sit down and maybe go through and sort of fill out if you'd like to to kinda get an idea of where the money is going, how much you've got coming in, where it's all kinda being spent to.","start":2764.49,"end":2777.855,"sentiment":"neutral","sentiment_score":0.23285578936338425},{"text":"And then when you're comfortable yeah.","start":2778.235,"end":2780.735,"sentiment":"neutral","sentiment_score":0.17094706743955612},{"text":"Yep.","start":2786.79,"end":2787.29,"sentiment":"neutral","sentiment_score":-0.061208806931972504}],"sentiment":"neutral","sentiment_score":0.26710944785958246,"num_words":105,"start":2751.805,"end":2787.29},{"sentences":[{"text":"Yep.","start":2792.71,"end":2793.21,"sentiment":"neutral","sentiment_score":0.01950768381357193},{"text":"Yeah.","start":2796.2952,"end":2796.7952,"sentiment":"neutral","sentiment_score":0.011976616457104685},{"text":"Yep.","start":2798.6152,"end":2799.1152,"sentiment":"neutral","sentiment_score":0.07620944827795029},{"text":"Yeah.","start":2801.8152,"end":2802.3152,"sentiment":"neutral","sentiment_score":0.2104218453168869},{"text":"Absolutely.","start":2802.455,"end":2802.955,"sentiment":"neutral","sentiment_score":0.314771831035614}],"sentiment":"neutral","sentiment_score":0.12657748498022556,"num_words":5,"start":2792.71,"end":2802.955},{"sentences":[{"text":"And, look, when you are when you get booked in and we wanna have conversation with the both of you together, you know, I'll get you to send it to me.","start":2803.735,"end":2811.42,"sentiment":"neutral","sentiment_score":0.2764035900754313},{"text":"We can always go through, have a talk about where the money is going, look at some different options, look at, you know, where you could cut back, where, you know, it might be too hard to cut back.","start":2811.8,"end":2820.555,"sentiment":"neutral","sentiment_score":0.13012793173010534},{"text":"There's lots of different options that we can do, and worst case general advice is completely complimentary.","start":2821.035,"end":2826.895,"sentiment":"positive","sentiment_score":0.3947498710716472},{"text":"There's no charge whatsoever for just me giving some general advice or referral if that's what you need.","start":2826.9548,"end":2832.63,"sentiment":"positive","sentiment_score":0.37228556474049884},{"text":"So there's a lot of different factors that play into what advice we give and how it works best for you.","start":2832.63,"end":2838.3298,"sentiment":"neutral","sentiment_score":0.29000788430372876}],"sentiment":"neutral","sentiment_score":0.26305995375982355,"num_words":126,"start":2803.735,"end":2838.3298},{"sentences":[{"text":"But I think the first thing is just coming back to having that conversation with the both of you, looking at what what your goals are, what you both wanna achieve together.","start":2838.71,"end":2846.17,"sentiment":"neutral","sentiment_score":0.29774160077795386},{"text":"And before we have that conversation, I think I would suggest that the two of you just talk about it.","start":2846.785,"end":2852.165,"sentiment":"neutral","sentiment_score":0.18782341480255127},{"text":"Sort of, you know, go what's important to you, what's important to him.","start":2852.945,"end":2856.805,"sentiment":"neutral","sentiment_score":0.19604389713360712},{"text":"You know, do you wanna do both?","start":2857.425,"end":2859.125,"sentiment":"neutral","sentiment_score":0.1856890959399087},{"text":"You know, do you wanna just sort of have that conversation about what your goals are together, what you each wanna achieve, and, you know, sort of come to a bit of a compromise on what's comfortable for you both.","start":2859.425,"end":2870.25,"sentiment":"neutral","sentiment_score":0.2477366402745247}],"sentiment":"neutral","sentiment_score":0.2414469595200249,"num_words":112,"start":2838.71,"end":2870.25},{"sentences":[{"text":"And then we'll come back and have more of a conversation around that and look at everything in-depth and beautiful.","start":2870.25,"end":2877.645,"sentiment":"neutral","sentiment_score":0.28570606708526614},{"text":"No.","start":2879.065,"end":2879.4648,"sentiment":"positive","sentiment_score":0.47003036737442017},{"text":"We can absolutely help you with that.","start":2879.4648,"end":2881.545,"sentiment":"positive","sentiment_score":0.6303308776446751},{"text":"It is not a problem at all.","start":2881.545,"end":2882.905,"sentiment":"positive","sentiment_score":0.517451822757721},{"text":"It's what we do as financial advisers.","start":2882.905,"end":2884.9248,"sentiment":"positive","sentiment_score":0.4295154001031603}],"sentiment":"positive","sentiment_score":0.41012472410996753,"num_words":42,"start":2870.25,"end":2884.9248},{"sentences":[{"text":"So, you know, looking forward to helping you meet all those different goals, and I'd love to do a a joint conversation with the both of you and really not out what you're after, what you want, how we achieve that, and have more of a, you know, a goals chat with you both.","start":2885.065,"end":2899.59,"sentiment":"positive","sentiment_score":0.534706492666845},{"text":"That'd be fantastic.","start":2899.59,"end":2900.57,"sentiment":"positive","sentiment_score":0.8430055777231852},{"text":"Beautiful.","start":2901.525,"end":2902.025,"sentiment":"positive","sentiment_score":0.8077415823936462},{"text":"Absolutely.","start":2906.7249,"end":2907.2249,"sentiment":"positive","sentiment_score":0.4477407932281494},{"text":"Yeah.","start":2913.045,"end":2913.525,"sentiment":"neutral","sentiment_score":0.1070326417684555}],"sentiment":"positive","sentiment_score":0.5460947059094906,"num_words":60,"start":2885.065,"end":2913.525},{"sentences":[{"text":"No.","start":2913.525,"end":2913.845,"sentiment":"neutral","sentiment_score":0.08572424203157425},{"text":"That's absolutely fine.","start":2913.845,"end":2915.2048,"sentiment":"neutral","sentiment_score":0.2551137109597524},{"text":"This is not a problem at all.","start":2915.2048,"end":2916.62,"sentiment":"neutral","sentiment_score":0.29615052683012827},{"text":"But in the meantime, it looks like at the moment, your sleep is working really well.","start":2916.62,"end":2921.18,"sentiment":"neutral","sentiment_score":0.33243155758827925},{"text":"There's no additional No.","start":2921.18,"end":2923.74,"sentiment":"neutral","sentiment_score":-0.0856119953095913}],"sentiment":"neutral","sentiment_score":0.2548572904159946,"num_words":31,"start":2913.525,"end":2923.74},{"sentences":[{"text":"You are fine.","start":2923.74,"end":2924.72,"sentiment":"neutral","sentiment_score":-0.08050190284848213},{"text":"And, look, honestly, that's what this is for.","start":2925.18,"end":2927.1,"sentiment":"neutral","sentiment_score":0.0832887222059071},{"text":"This is what your annual review is for, looking at how things are going with your super insurances, but, also, is there any other advice that you're after?","start":2927.1,"end":2933.955,"sentiment":"neutral","sentiment_score":0.14387617419872964},{"text":"You know, do you have extra questions or anything else that you might be looking at?","start":2934.095,"end":2937.935,"sentiment":"neutral","sentiment_score":0.11428336147218943},{"text":"So we're here to help in all those areas.","start":2937.935,"end":2940.115,"sentiment":"neutral","sentiment_score":0.30995631217956543}],"sentiment":"neutral","sentiment_score":0.14174183655995876,"num_words":64,"start":2923.74,"end":2940.115},{"sentences":[{"text":"So, no, you you can use this time for whatever you want.","start":2940.975,"end":2943.78,"sentiment":"neutral","sentiment_score":0.174269779274861},{"text":"It's it's your time.","start":2943.78,"end":2944.9802,"sentiment":"neutral","sentiment_score":0.16586721315979958},{"text":"I work on your time, so it's fine.","start":2944.9802,"end":2946.84,"sentiment":"neutral","sentiment_score":0.15185133181512356},{"text":"But, no, honestly, it is you're sorry.","start":2948.82,"end":2951.2202,"sentiment":"neutral","sentiment_score":-0.15189654326864652},{"text":"You're right?","start":2951.2202,"end":2951.9602,"sentiment":"neutral","sentiment_score":-0.06618011370301247}],"sentiment":"neutral","sentiment_score":0.08405699479308995,"num_words":33,"start":2940.975,"end":2951.9602},{"sentences":[{"text":"No.","start":2958.715,"end":2959.0352,"sentiment":"neutral","sentiment_score":-0.07147517800331116},{"text":"You are absolutely fine, honestly.","start":2959.0352,"end":2961.0552,"sentiment":"neutral","sentiment_score":0.09183042794466019},{"text":"So, look, with your super, there's no additional advice right now to sort of provide.","start":2961.5151,"end":2964.7952,"sentiment":"neutral","sentiment_score":0.07652336011330287},{"text":"What I'll do is I'll just go back and just have a look to make sure that your super is allocated correctly within that growth portfolio.","start":2964.7952,"end":2971.71,"sentiment":"neutral","sentiment_score":0.12114123484263054},{"text":"If you're still comfortable with that eighty twenty split, I probably just wanna do a really quick risk profile questionnaire with you, which was actually answered most of.","start":2972.3298,"end":2980.75,"sentiment":"neutral","sentiment_score":0.1158422582915851}],"sentiment":"neutral","sentiment_score":0.10571710268656413,"num_words":75,"start":2958.715,"end":2980.75},{"sentences":[{"text":"The only sort of three questions to sort of gauge there is if you did see, like, a big market difference, say, 20% fall in your portfolio over the next, you know, one, two, or even three years, if you saw something big occur, how do you think you might be feeling?","start":2981.2852,"end":2995.705,"sentiment":"neutral","sentiment_score":-0.06952542227764542},{"text":"Do you think you'd see it as a buying opportunity?","start":2996.06,"end":2997.98,"sentiment":"neutral","sentiment_score":-0.04062720313668251},{"text":"Wanna put some more money into your super, maybe hold and wait and call us?","start":2997.98,"end":3001.66,"sentiment":"neutral","sentiment_score":-0.06616791263222695},{"text":"Or do you think you'd be a bit nervous and wanting to sell or cement the losses?","start":3001.66,"end":3005.58,"sentiment":"neutral","sentiment_score":-0.215930535512812},{"text":"How do you think you might be reacting?","start":3005.58,"end":3007.3599,"sentiment":"neutral","sentiment_score":-0.07347528776153922}],"sentiment":"neutral","sentiment_score":-0.09090915769703832,"num_words":102,"start":2981.2852,"end":3007.3599},{"sentences":[{"text":"Yep.","start":3010.475,"end":3010.7952,"sentiment":"neutral","sentiment_score":0.08126808702945709},{"text":"Perfect.","start":3010.7952,"end":3011.2952,"sentiment":"positive","sentiment_score":0.34756243228912354},{"text":"Yep.","start":3017.195,"end":3017.695,"sentiment":"neutral","sentiment_score":-0.030984705314040184},{"text":"Hold hold away.","start":3020.49,"end":3025.6301,"sentiment":"neutral","sentiment_score":-0.2923471083243688},{"text":"Let it come through.","start":3025.85,"end":3026.73,"sentiment":"neutral","sentiment_score":-0.047318132128566504}],"sentiment":"neutral","sentiment_score":-0.0668468039482832,"num_words":10,"start":3010.475,"end":3026.73},{"sentences":[{"text":"Yeah.","start":3026.73,"end":3027.05,"sentiment":"neutral","sentiment_score":0.15088224411010742},{"text":"Absolutely.","start":3027.05,"end":3027.55,"sentiment":"positive","sentiment_score":0.354978084564209},{"text":"Perfect.","start":3028.25,"end":3028.75,"sentiment":"positive","sentiment_score":0.3745895028114319},{"text":"The next question here is how do you consider yourself when you think about the risk versus reward balance?","start":3029.53,"end":3034.41,"sentiment":"neutral","sentiment_score":0.02334137731476834},{"text":"So that essentially shows you that in order to get the highest returns, you've gotta be willing to take on more risk in the market.","start":3034.41,"end":3040.595,"sentiment":"neutral","sentiment_score":-0.035727207213640214}],"sentiment":"neutral","sentiment_score":0.009165017449475349,"num_words":47,"start":3026.73,"end":3040.595},{"sentences":[{"text":"But to take on higher risk and to get the greater returns, you've gotta be understanding that you're gonna see those downtimes.","start":3040.595,"end":3047.4148,"sentiment":"neutral","sentiment_score":-0.10493350012058561},{"text":"And the more risk you take, the higher the reward, but also the deeper the drops can be when you're feeling them.","start":3047.555,"end":3053.49,"sentiment":"neutral","sentiment_score":-0.07782819901000369},{"text":"Do you think you'd be taking on the highest level of risk to get the best returns you can?","start":3053.55,"end":3058.05,"sentiment":"neutral","sentiment_score":-0.050976903422882684},{"text":"Do you think you'd be more moderate, conservative, taking a medium amount of risk to get the best returns you can, or do you consider yourself very much a low risk taker, understanding the returns are smaller with that sort of risk?","start":3058.43,"end":3070.275,"sentiment":"neutral","sentiment_score":0.019916260659339883},{"text":"Medium?","start":3073.535,"end":3074.035,"sentiment":"neutral","sentiment_score":0.03197268396615982}],"sentiment":"neutral","sentiment_score":-0.03887606522876699,"num_words":106,"start":3040.595,"end":3074.035},{"sentences":[{"text":"Yep.","start":3083.15,"end":3083.39,"sentiment":"neutral","sentiment_score":0.03914303332567215},{"text":"In in between one and two?","start":3083.39,"end":3085.41,"sentiment":"neutral","sentiment_score":-0.007343231079479058},{"text":"Yeah.","start":3085.95,"end":3086.45,"sentiment":"neutral","sentiment_score":-0.0059278784319758415},{"text":"That's fine.","start":3087.645,"end":3089.225,"sentiment":"neutral","sentiment_score":-0.12274232506752014},{"text":"Yeah.","start":3089.805,"end":3090.2852,"sentiment":"neutral","sentiment_score":0.028350315988063812}],"sentiment":"neutral","sentiment_score":-0.020725324157286774,"num_words":11,"start":3083.15,"end":3090.2852},{"sentences":[{"text":"Yeah.","start":3090.2852,"end":3090.605,"sentiment":"neutral","sentiment_score":0.07906368374824524},{"text":"Absolutely.","start":3090.605,"end":3091.105,"sentiment":"neutral","sentiment_score":0.01247750036418438},{"text":"When you sort of think about the growth portfolio, if you consider the risk level between sort of one to five, one being the lowest risk portfolio, five being a 100% in equities and no defensive investments, you're sort of in between that three to four mark.","start":3091.485,"end":3106.58,"sentiment":"neutral","sentiment_score":0.03195625721932726},{"text":"So one is like a sorry.","start":3106.58,"end":3108.5,"sentiment":"neutral","sentiment_score":0.029545943563183148},{"text":"Five is a 100% invested in equities.","start":3108.5,"end":3110.58,"sentiment":"neutral","sentiment_score":0.048978728375264576}],"sentiment":"neutral","sentiment_score":0.03409051666817357,"num_words":62,"start":3090.2852,"end":3110.58},{"sentences":[{"text":"That's more of an aggressive portfolio.","start":3110.58,"end":3112.28,"sentiment":"neutral","sentiment_score":0.06699828679362933},{"text":"Four is more of a high growth at ninety ten kind of split of growth versus defensive.","start":3112.835,"end":3117.4949,"sentiment":"neutral","sentiment_score":0.08163621320443995},{"text":"And then you're sitting in that sort of 80 to 20 split, and that's kind of just under that high growth environment there.","start":3118.275,"end":3124.595,"sentiment":"neutral","sentiment_score":0.0391325909320427},{"text":"So you're not at the highest, not at the lowest, sort of in the middle kind of ground area, which is sort of where I see your comfort level setting.","start":3124.595,"end":3131.81,"sentiment":"neutral","sentiment_score":-0.049832730243603386},{"text":"The growth portfolio, as I kinda mentioned, we're aiming to try and get a seven to 9% return.","start":3132.83,"end":3138.29,"sentiment":"neutral","sentiment_score":0.07536184580789672}],"sentiment":"neutral","sentiment_score":0.027142406956471028,"num_words":94,"start":3110.58,"end":3138.29},{"sentences":[{"text":"It suits someone who has six years before accessing super.","start":3138.5752,"end":3141.695,"sentiment":"neutral","sentiment_score":-0.01026507243514061},{"text":"You've got well and truly more than that, and we expect negative return kind of one in every five years.","start":3141.695,"end":3148.2551,"sentiment":"neutral","sentiment_score":-0.24764684662222863},{"text":"So it does sort of suit where you're at time horizon wise.","start":3148.2551,"end":3152.39,"sentiment":"neutral","sentiment_score":0.05001898482441902},{"text":"It sounds like your comfort level is quite comfortable in there as well, so I wouldn't wanna change that.","start":3153.17,"end":3158.21,"sentiment":"neutral","sentiment_score":0.13259193889404597},{"text":"Does that sound right?","start":3158.21,"end":3159.17,"sentiment":"neutral","sentiment_score":0.18482310324907303}],"sentiment":"neutral","sentiment_score":-0.018412624414150532,"num_words":65,"start":3138.5752,"end":3159.17},{"sentences":[{"text":"Are you happy in that kind of environment?","start":3159.17,"end":3161.43,"sentiment":"neutral","sentiment_score":0.11986927967518568},{"text":"Yep.","start":3161.5698,"end":3162.0698,"sentiment":"neutral","sentiment_score":0.07585957646369934},{"text":"Yeah.","start":3168.865,"end":3169.365,"sentiment":"neutral","sentiment_score":0.021197013556957245},{"text":"Yeah.","start":3178.8,"end":3179.3,"sentiment":"neutral","sentiment_score":0.059949807822704315},{"text":"Absolutely.","start":3181.04,"end":3181.54,"sentiment":"neutral","sentiment_score":0.16611766815185547}],"sentiment":"neutral","sentiment_score":0.10683985861639182,"num_words":12,"start":3159.17,"end":3181.54},{"sentences":[{"text":"Yep.","start":3185.44,"end":3185.94,"sentiment":"neutral","sentiment_score":0.07215546816587448},{"text":"Yeah.","start":3186.0,"end":3186.5,"sentiment":"neutral","sentiment_score":0.0866498276591301},{"text":"Definitely.","start":3186.8,"end":3187.3,"sentiment":"neutral","sentiment_score":0.18164563179016113},{"text":"Definitely.","start":3188.005,"end":3188.505,"sentiment":"neutral","sentiment_score":0.31675398349761963},{"text":"Perfect.","start":3188.805,"end":3189.305,"sentiment":"positive","sentiment_score":0.4684796333312988}],"sentiment":"neutral","sentiment_score":0.22513690888881682,"num_words":5,"start":3185.44,"end":3189.305},{"sentences":[{"text":"Well, what I'll do, I'll just go back and just make sure that your growth and defensive assets are still in line with that $80.20 split.","start":3189.365,"end":3196.825,"sentiment":"neutral","sentiment_score":0.17768098242007768},{"text":"If there is a a need to rebalance, I'll send a a record of advice out to you.","start":3197.285,"end":3202.26,"sentiment":"neutral","sentiment_score":0.07192784961726931},{"text":"If there's not, I'll just shoot you an email, let you know that we don't need to make any changes right now, and we'll catch up in six months' time.","start":3202.26,"end":3208.92,"sentiment":"neutral","sentiment_score":0.033222937521835166},{"text":"I'll also just make sure we get that email out with the the details of the solicitor's information there for you.","start":3209.78,"end":3216.52,"sentiment":"neutral","sentiment_score":0.1785943614585059},{"text":"Okay?","start":3216.58,"end":3217.08,"sentiment":"neutral","sentiment_score":0.12688559293746948}],"sentiment":"neutral","sentiment_score":0.11237981401306267,"num_words":96,"start":3189.365,"end":3217.08},{"sentences":[{"text":"And you've got your annual review pack there as well, and that has our financial services guide.","start":3217.9148,"end":3222.1548,"sentiment":"neutral","sentiment_score":0.255221368635402},{"text":"It's got those documents that we went through as well.","start":3222.1548,"end":3224.6548,"sentiment":"neutral","sentiment_score":0.2504874631762505},{"text":"It does also have a lovely index chart for you which shows you market reactions and how different investment classes react and why we invest the way we do and how when we do see a downtime, it's important to hold and wait.","start":3224.875,"end":3236.9001,"sentiment":"neutral","sentiment_score":0.23334081921466562},{"text":"At the worst case, some people see it as a buying opportunity and wanna put more money into it.","start":3236.9001,"end":3241.62,"sentiment":"neutral","sentiment_score":-0.16208522217838386},{"text":"But best case scenario, if you're not willing to do so, just hold and wait.","start":3241.62,"end":3245.325,"sentiment":"neutral","sentiment_score":-0.2129485934972763}],"sentiment":"neutral","sentiment_score":0.1019562019321781,"num_words":104,"start":3217.9148,"end":3245.325},{"sentences":[{"text":"Markets do recover.","start":3245.565,"end":3246.945,"sentiment":"neutral","sentiment_score":-0.09550787508487701},{"text":"It just depends on how long it takes for them to recover and how much risk you are taking sort of plays into that effect.","start":3247.005,"end":3253.425,"sentiment":"neutral","sentiment_score":-0.08127527400851249},{"text":"But all the investments that you're invested in have seen those ups and downs.","start":3253.805,"end":3257.4849,"sentiment":"neutral","sentiment_score":0.1293499181047082},{"text":"They've seen DFC events and COVID events, and they've gone through those, and they've come out and recovered from those.","start":3257.4849,"end":3263.6,"sentiment":"neutral","sentiment_score":0.17414574958384038},{"text":"So you can rest assured that you're in good quality investments, and that will make sure that we review those with you regularly and make changes as we need to as well.","start":3263.6,"end":3273.1199,"sentiment":"positive","sentiment_score":0.44763538520783186}],"sentiment":"neutral","sentiment_score":0.18403979464176487,"num_words":94,"start":3245.565,"end":3273.1199},{"sentences":[{"text":"Does that make sense?","start":3273.1199,"end":3274.18,"sentiment":"neutral","sentiment_score":0.14387289807200432},{"text":"Beautiful.","start":3275.2551,"end":3275.7551,"sentiment":"positive","sentiment_score":0.6364304423332214},{"text":"The only other thing on there is the ongoing service agreement.","start":3276.7751,"end":3279.495,"sentiment":"neutral","sentiment_score":0.15897458317604932},{"text":"So that is attached for you as well.","start":3279.495,"end":3281.2551,"sentiment":"neutral","sentiment_score":0.14521063771098852},{"text":"That when you click on the sign document, that is the one that is gonna ask you to sign.","start":3281.2551,"end":3285.2751,"sentiment":"neutral","sentiment_score":0.09672528936674721}],"sentiment":"neutral","sentiment_score":0.13860716393520667,"num_words":43,"start":3273.1199,"end":3285.2751},{"sentences":[{"text":"Your ongoing service fee is 1.1%, and that's because yourself and your partner are both clients of ours.","start":3285.5752,"end":3291.55,"sentiment":"neutral","sentiment_score":0.1267698628620969},{"text":"So we look after both of you and have a reduced fee for the two of you.","start":3291.55,"end":3295.09,"sentiment":"neutral","sentiment_score":0.216323864810607},{"text":"That essentially just is deducted at 1.1 on a yearly basis.","start":3295.63,"end":3299.39,"sentiment":"neutral","sentiment_score":0.09627115320075642},{"text":"Now fee is deducted in smaller monthly increments, so it comes out on a monthly basis in smaller amounts.","start":3299.39,"end":3304.93,"sentiment":"neutral","sentiment_score":0.09603418174542878},{"text":"And it fluctuates with the market.","start":3305.445,"end":3306.885,"sentiment":"neutral","sentiment_score":0.035978369104365505}],"sentiment":"neutral","sentiment_score":0.1275896561450102,"num_words":71,"start":3285.5752,"end":3306.885},{"sentences":[{"text":"So as a percentage based fee, it does go up and down and fluctuate with markets.","start":3306.885,"end":3310.985,"sentiment":"neutral","sentiment_score":-0.009893805719912052},{"text":"So when the markets are higher, when you've had this probably 10% return, it means that we are gonna earn a little bit more.","start":3311.0452,"end":3316.3252,"sentiment":"neutral","sentiment_score":0.03919663419947028},{"text":"However, when the markets take a bit of a dip, your fee will dive with it as well.","start":3316.3252,"end":3320.245,"sentiment":"neutral","sentiment_score":-0.05656364715347687},{"text":"So about making sure that you're getting those returns as well.","start":3320.245,"end":3324.0798,"sentiment":"neutral","sentiment_score":0.16007023474032228},{"text":"Does that make sense?","start":3324.3,"end":3325.3599,"sentiment":"neutral","sentiment_score":0.09777287021279335}],"sentiment":"neutral","sentiment_score":0.026248448541107243,"num_words":73,"start":3306.885,"end":3325.3599},{"sentences":[{"text":"Beautiful.","start":3326.6199,"end":3327.1199,"sentiment":"positive","sentiment_score":0.6742172241210938},{"text":"Do you yeah.","start":3327.5798,"end":3328.96,"sentiment":"neutral","sentiment_score":0.15397027134895325},{"text":"Fantastic.","start":3331.98,"end":3332.48,"sentiment":"positive","sentiment_score":0.7807595729827881},{"text":"Yeah.","start":3339.5151,"end":3340.0151,"sentiment":"neutral","sentiment_score":0.17305442690849304},{"text":"Yep.","start":3340.235,"end":3340.735,"sentiment":"neutral","sentiment_score":0.09835030138492584}],"sentiment":"neutral","sentiment_score":0.31261319134916576,"num_words":7,"start":3326.6199,"end":3340.735},{"sentences":[{"text":"Lovely.","start":3342.635,"end":3343.135,"sentiment":"positive","sentiment_score":0.4057715833187103},{"text":"Yep.","start":3344.395,"end":3344.895,"sentiment":"neutral","sentiment_score":0.08661594986915588},{"text":"Yeah.","start":3348.97,"end":3349.47,"sentiment":"neutral","sentiment_score":0.09201952815055849},{"text":"Absolutely.","start":3356.17,"end":3356.67,"sentiment":"neutral","sentiment_score":0.25612953305244446},{"text":"Yeah.","start":3360.985,"end":3361.485,"sentiment":"neutral","sentiment_score":0.036911606788635254}],"sentiment":"neutral","sentiment_score":0.17548964023590088,"num_words":5,"start":3342.635,"end":3361.485},{"sentences":[{"text":"No.","start":3361.5452,"end":3362.0452,"sentiment":"neutral","sentiment_score":0.0539826974272728},{"text":"Absolutely.","start":3362.345,"end":3362.845,"sentiment":"neutral","sentiment_score":0.12407144159078598},{"text":"And, look, we do have the referral program as well.","start":3363.3052,"end":3365.465,"sentiment":"neutral","sentiment_score":0.14968147054314612},{"text":"So if you do refer us on to anyone and they do come on board as a client, we do send out a $100 gift card to you as well.","start":3365.465,"end":3372.345,"sentiment":"neutral","sentiment_score":0.20393771876891453},{"text":"So just to say thank you for the referral.","start":3372.345,"end":3374.8,"sentiment":"positive","sentiment_score":0.3822641455464893}],"sentiment":"neutral","sentiment_score":0.22026230818500706,"num_words":51,"start":3361.5452,"end":3374.8},{"sentences":[{"text":"So if anyone does sign on, we'll make sure we give that to you.","start":3374.8,"end":3378.08,"sentiment":"neutral","sentiment_score":0.20566301899296896},{"text":"So just let them know that, you know, if they do come and give us a call or if if there's someone that just wants us to reach out, you're welcome to let us know, provide them information as long as they've given you permission to do so.","start":3378.08,"end":3388.975,"sentiment":"neutral","sentiment_score":0.16302835972358784},{"text":"And we can always reach out to them and have a conversation, introduce ourselves, and explain what financial advisers do.","start":3389.0352,"end":3394.655,"sentiment":"neutral","sentiment_score":0.27412203773856164},{"text":"And, yeah, happy to help anyone that we possibly can.","start":3395.675,"end":3398.7952,"sentiment":"positive","sentiment_score":0.5939524352550507},{"text":"We're pretty honest.","start":3398.7952,"end":3400.075,"sentiment":"neutral","sentiment_score":0.17297852411866188}],"sentiment":"neutral","sentiment_score":0.23837414960327902,"num_words":95,"start":3374.8,"end":3400.075},{"sentences":[{"text":"We'll always do the research first, and then if we're not able to help, we'll let them know.","start":3400.075,"end":3404.49,"sentiment":"neutral","sentiment_score":0.10395853759513961},{"text":"But, yeah, it's always worth having that conversation and looking at what someone's got and when and if financial advice is appropriate to their circumstances.","start":3405.03,"end":3411.77,"sentiment":"neutral","sentiment_score":0.14758294463157653},{"text":"So, no, thank you for that.","start":3412.15,"end":3413.43,"sentiment":"positive","sentiment_score":0.49371566375096637},{"text":"Really appreciate it.","start":3413.43,"end":3414.73,"sentiment":"positive","sentiment_score":0.6559603214263916},{"text":"Thank you.","start":3420.405,"end":3421.225,"sentiment":"neutral","sentiment_score":0.2898062616586685}],"sentiment":"neutral","sentiment_score":0.20501138449267106,"num_words":54,"start":3400.075,"end":3421.225},{"sentences":[{"text":"Absolutely understandable.","start":3426.165,"end":3427.545,"sentiment":"neutral","sentiment_score":-0.21361089497804642},{"text":"Yeah.","start":3435.12,"end":3435.2002,"sentiment":"neutral","sentiment_score":0.028179043903946877},{"text":"Yeah.","start":3435.2002,"end":3435.7002,"sentiment":"neutral","sentiment_score":0.05110634490847587},{"text":"Absolutely.","start":3440.8801,"end":3441.3801,"sentiment":"neutral","sentiment_score":-0.018743298947811127},{"text":"Yep.","start":3445.5852,"end":3446.0852,"sentiment":"neutral","sentiment_score":0.24185624718666077}],"sentiment":"neutral","sentiment_score":-0.020803908817470074,"num_words":6,"start":3426.165,"end":3446.0852},{"sentences":[{"text":"Fantastic.","start":3448.945,"end":3449.445,"sentiment":"positive","sentiment_score":0.6467781066894531},{"text":"Thank you so much for that.","start":3449.5051,"end":3451.0452,"sentiment":"positive","sentiment_score":0.6579495668411255},{"text":"If I was to get my admin team to send out a a link to our website, would you be open to adding a review there for us at all?","start":3451.2651,"end":3459.97,"sentiment":"neutral","sentiment_score":0.2072236160437266},{"text":"Well, this is a business sometimes having word-of-mouth and or online reviews is kinda helpful for other people to look us up as well.","start":3459.97,"end":3466.45,"sentiment":"neutral","sentiment_score":0.200319591909647},{"text":"Would that be something you're comfortable doing?","start":3466.45,"end":3468.13,"sentiment":"neutral","sentiment_score":0.08543404351387705}],"sentiment":"neutral","sentiment_score":0.2384837132275981,"num_words":68,"start":3448.945,"end":3468.13},{"sentences":[{"text":"If you're not, that's absolutely fine.","start":3468.13,"end":3469.91,"sentiment":"neutral","sentiment_score":0.027497978881001472},{"text":"Yeah.","start":3471.605,"end":3472.005,"sentiment":"neutral","sentiment_score":0.2590259909629822},{"text":"Beautiful.","start":3472.005,"end":3472.505,"sentiment":"positive","sentiment_score":0.4630843698978424},{"text":"I'll in the email, I'll add the little link there for you just to sort of pop onto our website.","start":3472.565,"end":3477.365,"sentiment":"neutral","sentiment_score":0.3150348126888275},{"text":"If you're comfortable leaving your review, that'd be fantastic.","start":3477.365,"end":3479.865,"sentiment":"positive","sentiment_score":0.46736447016398114}],"sentiment":"neutral","sentiment_score":0.30794796538916797,"num_words":37,"start":3468.13,"end":3479.865},{"sentences":[{"text":"And, yeah, we just kind of use that.","start":3480.7249,"end":3482.325,"sentiment":"neutral","sentiment_score":0.25468576326966286},{"text":"So, you know, if anyone's looking us up or looking for an adviser, it's kinda handy to have, you know, clients who are really happy with the services to leave a bit of a review there.","start":3482.325,"end":3491.59,"sentiment":"neutral","sentiment_score":0.27355458587408066},{"text":"So I'd really appreciate it, but, look, I don't wanna hold you to it.","start":3491.59,"end":3494.47,"sentiment":"neutral","sentiment_score":0.11115422179656369},{"text":"So if anything comes up, that's okay.","start":3494.47,"end":3496.47,"sentiment":"neutral","sentiment_score":0.03983782418072224},{"text":"You're busy with three kids too.","start":3496.47,"end":3498.23,"sentiment":"neutral","sentiment_score":0.03397174241642157}],"sentiment":"neutral","sentiment_score":0.1961169792470378,"num_words":71,"start":3480.7249,"end":3498.23},{"sentences":[{"text":"So but thank you so much.","start":3498.23,"end":3499.905,"sentiment":"positive","sentiment_score":0.34272123873233795},{"text":"I'll add the link to the email there for you.","start":3499.905,"end":3502.385,"sentiment":"neutral","sentiment_score":0.1567378543317318},{"text":"Okay.","start":3502.385,"end":3502.885,"sentiment":"neutral","sentiment_score":0.04471040517091751},{"text":"Oh, fantastic.","start":3504.945,"end":3505.845,"sentiment":"positive","sentiment_score":0.708842396736145},{"text":"Yeah.","start":3507.985,"end":3508.485,"sentiment":"neutral","sentiment_score":0.030587362125515934}],"sentiment":"neutral","sentiment_score":0.2558344268240035,"num_words":20,"start":3498.23,"end":3508.485},{"sentences":[{"text":"Sure.","start":3511.28,"end":3511.78,"sentiment":"neutral","sentiment_score":0.026464100927114487},{"text":"Yep.","start":3514.32,"end":3514.82,"sentiment":"neutral","sentiment_score":0.034785911440849304},{"text":"They're not bad at all.","start":3518.24,"end":3520.18,"sentiment":"neutral","sentiment_score":0.30284873247146604},{"text":"So one of the benefits of the biggest thing with investing in the Australian market is that you have to, on the ASX, we have what's called a chest registration, which means that every share you buy is registered to your name.","start":3520.4,"end":3532.385,"sentiment":"neutral","sentiment_score":0.2920185572334698},{"text":"These micro investing apps essentially pool money with other investors and allow you to buy partial amounts of shares, and there is absolutely nothing wrong with them.","start":3533.325,"end":3543.77,"sentiment":"neutral","sentiment_score":0.3073690053489473}],"sentiment":"neutral","sentiment_score":0.2913057397756922,"num_words":76,"start":3511.28,"end":3543.77},{"sentences":[{"text":"They are still investing in the market.","start":3544.15,"end":3545.99,"sentiment":"positive","sentiment_score":0.5420701801776886},{"text":"You do still receive income and growth.","start":3545.99,"end":3547.99,"sentiment":"positive","sentiment_score":0.5600692800113133},{"text":"You can buy smaller parcels of shares and partial amounts, which is great.","start":3547.99,"end":3552.65,"sentiment":"positive","sentiment_score":0.6258935194749099},{"text":"You do still have to make sure you get your your income statements every year to have on your tax return, but there's absolutely nothing wrong with them, and it is a great way to start that out.","start":3552.7898,"end":3563.425,"sentiment":"positive","sentiment_score":0.5687446013877266},{"text":"Sorry.","start":3564.365,"end":3564.685,"sentiment":"neutral","sentiment_score":0.09088027477264404}],"sentiment":"positive","sentiment_score":0.5690116227576227,"num_words":66,"start":3544.15,"end":3564.685},{"sentences":[{"text":"I would just do a bit of due diligence to have a look at what the information is.","start":3564.685,"end":3568.65,"sentiment":"neutral","sentiment_score":0.024285455958710775},{"text":"But if there's one that you're looking at that you're interested in, you're welcome to send it to me.","start":3568.65,"end":3572.5698,"sentiment":"neutral","sentiment_score":0.12899340218619296},{"text":"I can have a look at the pros and cons for you, you know, read up on the websites and see what I can find out information wise, but there's absolutely nothing wrong with those sorts of web sites.","start":3572.5698,"end":3582.915,"sentiment":"neutral","sentiment_score":0.14069527129714304},{"text":"They are great to start with and allow you to invest with as little as $20 sometimes.","start":3582.915,"end":3588.135,"sentiment":"positive","sentiment_score":0.5662245767958024},{"text":"So I think they're great for helping people to start off.","start":3588.435,"end":3592.5151,"sentiment":"positive","sentiment_score":0.5854195925322446}],"sentiment":"neutral","sentiment_score":0.23500540146890742,"num_words":104,"start":3564.685,"end":3592.5151},{"sentences":[{"text":"They're not always anything that you wanna be in for the longer term, but they're a great way to start and to build a investment portfolio from scratch with a smaller amount of money.","start":3592.5151,"end":3602.55,"sentiment":"positive","sentiment_score":0.4179470179712071},{"text":"Nothing wrong with them at all.","start":3602.55,"end":3604.01,"sentiment":"neutral","sentiment_score":0.06334991070131461},{"text":"Yeah.","start":3604.31,"end":3604.81,"sentiment":"neutral","sentiment_score":0.03071497566998005},{"text":"It really depends.","start":3607.27,"end":3608.25,"sentiment":"neutral","sentiment_score":0.014701607326666514},{"text":"I personally use a couple of different ones.","start":3609.59,"end":3614.275,"sentiment":"neutral","sentiment_score":0.053874421399086714}],"sentiment":"neutral","sentiment_score":0.29030987007830006,"num_words":52,"start":3592.5151,"end":3614.275},{"sentences":[{"text":"There are like, stake isn't a bad one.","start":3615.055,"end":3617.795,"sentiment":"neutral","sentiment_score":0.0534641332924366},{"text":"It's not so much micro investing for the ASX, so it does micro investing for The US.","start":3618.1748,"end":3623.2349,"sentiment":"neutral","sentiment_score":0.04349793099305209},{"text":"There are, I believe, spaceships is not bad either.","start":3624.6548,"end":3629.26,"sentiment":"neutral","sentiment_score":0.11711638586388694},{"text":"Let me have a look at the other ones here.","start":3629.56,"end":3631.72,"sentiment":"neutral","sentiment_score":0.05007322989404202},{"text":"Sorry.","start":3631.72,"end":3632.04,"sentiment":"neutral","sentiment_score":-0.007079224102199078}],"sentiment":"neutral","sentiment_score":0.060330632018546264,"num_words":45,"start":3615.055,"end":3632.04},{"sentences":[{"text":"I'll just pull a few up because I can't remember the name of all of them.","start":3632.04,"end":3635.9,"sentiment":"neutral","sentiment_score":-0.0015166611410677433},{"text":"Yeah.","start":3637.0,"end":3637.5,"sentiment":"neutral","sentiment_score":0.0121843833476305},{"text":"Yeah.","start":3649.4148,"end":3649.9148,"sentiment":"neutral","sentiment_score":-0.02224600687623024},{"text":"Yeah.","start":3649.9749,"end":3650.295,"sentiment":"neutral","sentiment_score":-0.03638557344675064},{"text":"No.","start":3650.295,"end":3650.615,"sentiment":"neutral","sentiment_score":-0.10844466090202332}],"sentiment":"neutral","sentiment_score":-0.00895792180672288,"num_words":20,"start":3632.04,"end":3650.615},{"sentences":[{"text":"Absolutely.","start":3650.615,"end":3651.115,"sentiment":"neutral","sentiment_score":-0.11267106235027312},{"text":"Yep.","start":3655.56,"end":3656.06,"sentiment":"neutral","sentiment_score":0.010799355804920197},{"text":"Yeah.","start":3656.1199,"end":3656.52,"sentiment":"neutral","sentiment_score":0.05692904442548752},{"text":"So, like, Comsec Pocket is owned by Commonwealth Bank and part of Comsec, and they let you trade with a minimum of $50.","start":3656.52,"end":3663.32,"sentiment":"neutral","sentiment_score":0.11958953738212585},{"text":"They have, from what I can see here, a $2 brokerage fee per trade of up to 1,000, so that's not too bad.","start":3663.32,"end":3669.555,"sentiment":"neutral","sentiment_score":0.19574308136235113}],"sentiment":"neutral","sentiment_score":0.14709607283679807,"num_words":49,"start":3650.615,"end":3669.555},{"sentences":[{"text":"And they let you buy smaller parcels.","start":3670.1748,"end":3672.035,"sentiment":"neutral","sentiment_score":0.20860446563788823},{"text":"Raise is probably one of the first that came out.","start":3672.895,"end":3675.775,"sentiment":"neutral","sentiment_score":0.22455033659934998},{"text":"They have a minimum of $5 to start.","start":3675.9348,"end":3678.4348,"sentiment":"neutral","sentiment_score":0.22234749048948288},{"text":"They do pay the they charge $3.50 per month for standard accounts.","start":3678.575,"end":3683.05,"sentiment":"neutral","sentiment_score":0.1601917234559854},{"text":"But as long as you're making more than that $3.50, it does work out worthwhile.","start":3683.6702,"end":3687.6902,"sentiment":"neutral","sentiment_score":0.31467772225538887}],"sentiment":"neutral","sentiment_score":0.2332111743207161,"num_words":52,"start":3670.1748,"end":3687.6902},{"sentences":[{"text":"I've heard good things about spaceship.","start":3688.6301,"end":3690.33,"sentiment":"positive","sentiment_score":0.44578202068805695},{"text":"They don't require any minimum starting balance, I believe.","start":3690.6301,"end":3694.9702,"sentiment":"neutral","sentiment_score":0.2602471063534419},{"text":"And fees, it says $00 per month for balance is under $100, and then they charge $3 per month for standard portfolios once your balance hits that $100 mark.","start":3695.875,"end":3707.79,"sentiment":"neutral","sentiment_score":0.2463247935319769},{"text":"That's actually not bad because they're starting up quite small.","start":3708.03,"end":3711.25,"sentiment":"positive","sentiment_score":0.3892786890268326},{"text":"And shares, these look like there's another one out there as well.","start":3712.75,"end":3715.71,"sentiment":"neutral","sentiment_score":0.24475893254081407}],"sentiment":"neutral","sentiment_score":0.28773074506810215,"num_words":66,"start":3688.6301,"end":3715.71},{"sentences":[{"text":"There's no minimum there, and their fee structure is more percentage based.","start":3715.71,"end":3720.85,"sentiment":"neutral","sentiment_score":0.19461065406600633},{"text":"So that one, I'd probably wanna read a bit more about the percentage based there, but I've heard really good things about all of those different micro investing platforms.","start":3722.535,"end":3731.035,"sentiment":"neutral","sentiment_score":0.24733226489404153},{"text":"But in all honesty, there's absolutely nothing wrong with them.","start":3731.1748,"end":3734.295,"sentiment":"positive","sentiment_score":0.372461111843586},{"text":"They're a great way to start with very small amounts of money.","start":3734.295,"end":3737.355,"sentiment":"positive","sentiment_score":0.6790710339943568},{"text":"And often with some of them, you can even do, like, roundups.","start":3738.03,"end":3741.09,"sentiment":"positive","sentiment_score":0.4418192505836487}],"sentiment":"positive","sentiment_score":0.3557767741878827,"num_words":75,"start":3715.71,"end":3741.09},{"sentences":[{"text":"So have it linked if you go and buy a coffee and it rounds up to the nearest whole dollar or nearest $5 to help you invest regularly, which is a good thing too.","start":3741.1501,"end":3748.99,"sentiment":"positive","sentiment_score":0.4485677340451409},{"text":"So, yeah, nothing wrong with them at all.","start":3748.99,"end":3752.7148,"sentiment":"neutral","sentiment_score":-0.1548847951926291},{"text":"Yeah.","start":3752.7148,"end":3753.2148,"sentiment":"neutral","sentiment_score":0.07509221136569977},{"text":"That's absolutely.","start":3756.395,"end":3757.4548,"sentiment":"positive","sentiment_score":0.5462480187416077},{"text":"That's what I'm here for.","start":3758.155,"end":3759.275,"sentiment":"positive","sentiment_score":0.5088379979133606}],"sentiment":"positive","sentiment_score":0.3544800566881895,"num_words":50,"start":3741.1501,"end":3759.275},{"sentences":[{"text":"It's not a problem at all.","start":3759.275,"end":3760.7349,"sentiment":"positive","sentiment_score":0.5135660568873087},{"text":"No.","start":3768.6501,"end":3768.81,"sentiment":"neutral","sentiment_score":-0.05119237303733826},{"text":"That's that's basically everything that we've gone through today.","start":3768.81,"end":3772.35,"sentiment":"neutral","sentiment_score":0.12505837778250375},{"text":"All the other thing is I'll get those beneficiaries sorted out for your one pass as well.","start":3772.57,"end":3776.81,"sentiment":"neutral","sentiment_score":0.1814219263546607},{"text":"So we'll pre fill that information out and help you along with that one.","start":3776.81,"end":3780.1052,"sentiment":"neutral","sentiment_score":0.25260910178933826}],"sentiment":"neutral","sentiment_score":0.22928573492359608,"num_words":47,"start":3759.275,"end":3780.1052},{"sentences":[{"text":"That's everything they've gone through, so feel free to review the annual review documents.","start":3780.405,"end":3784.0852,"sentiment":"positive","sentiment_score":0.42481678085667746},{"text":"If you find there's any questions, let me know, and I'll get those follow-up things sorted for you.","start":3784.0852,"end":3788.885,"sentiment":"positive","sentiment_score":0.35236894836028415},{"text":"Okay?","start":3788.885,"end":3789.385,"sentiment":"neutral","sentiment_score":0.20976923406124115},{"text":"Yeah.","start":3792.18,"end":3792.68,"sentiment":"neutral","sentiment_score":0.06833495199680328},{"text":"Absolutely.","start":3796.1,"end":3796.6,"sentiment":"positive","sentiment_score":0.42066490650177}],"sentiment":"positive","sentiment_score":0.3711098598582404,"num_words":35,"start":3780.405,"end":3796.6},{"sentences":[{"text":"More than happy to do it anytime.","start":3797.06,"end":3798.52,"sentiment":"positive","sentiment_score":0.7806344202586583},{"text":"I hope you have a lovely afternoon.","start":3798.58,"end":3800.44,"sentiment":"positive","sentiment_score":0.6888072235243661},{"text":"Yep.","start":3805.4749,"end":3805.9749,"sentiment":"neutral","sentiment_score":0.029824277386069294},{"text":"And bad.","start":3806.275,"end":3806.9348,"sentiment":"neutral","sentiment_score":-0.11385135352611542},{"text":"Absolutely.","start":3809.875,"end":3810.375,"sentiment":"neutral","sentiment_score":0.30140793323516846}],"sentiment":"positive","sentiment_score":0.5772011672250099,"num_words":18,"start":3797.06,"end":3810.375},{"sentences":[{"text":"Well, you have a lovely evening.","start":3811.7148,"end":3813.575,"sentiment":"positive","sentiment_score":0.4949677685896556},{"text":"My pleasure.","start":3814.3328,"end":3814.973,"sentiment":"positive","sentiment_score":0.6641332507133484},{"text":"Thank you so much for your time, Belinda.","start":3814.973,"end":3816.5928,"sentiment":"positive","sentiment_score":0.7731585204601288},{"text":"Anytime at all.","start":3816.6528,"end":3817.6929,"sentiment":"positive","sentiment_score":0.49230249722798664},{"text":"I'll talk to you soon.","start":3817.6929,"end":3818.733,"sentiment":"positive","sentiment_score":0.5030640661716461}],"sentiment":"positive","sentiment_score":0.6031487124661604,"num_words":24,"start":3811.7148,"end":3818.733},{"sentences":[{"text":"You have a great afternoon.","start":3818.733,"end":3820.033,"sentiment":"positive","sentiment_score":0.7032338380813599},{"text":"Thank you for your time.","start":3820.1729,"end":3821.3928,"sentiment":"positive","sentiment_score":0.6529883146286011},{"text":"Thanks.","start":3822.973,"end":3823.473,"sentiment":"positive","sentiment_score":0.5931272506713867},{"text":"See you later.","start":3823.533,"end":3824.1729,"sentiment":"positive","sentiment_score":0.45102625091870624},{"text":"Bye.","start":3824.1729,"end":3824.6729,"sentiment":"neutral","sentiment_score":-0.07110503315925598}],"sentiment":"positive","sentiment_score":0.577080782254537,"num_words":15,"start":3818.733,"end":3824.6729}]}}]},{"alternatives":[{"transcript":"Hello? I'm good. Thank you, Dana. How are you today? Yeah. Yeah. Long time when I speak. It's gone so fast, but also it feels like a very long time. Yes. Yes. Like a short one. Sure. Melinda Joy Cook, thirtieth of the first 1992. 500 and 70 Regina Avenue, North, Albany, South 3640. It's been cold. It's been wet, actually. I guess I guess while it's wet, it's not too cold. It's it's definitely colder when it's clearer, but it's it's getting there. I think we got to twelfth grade today. Yeah. We we were much the same. We had a beautiful weekend, actually. Very sunny, 16 degrees sort of type situation, but then it's been drizzly on and off showers all all week since then. Look. I think we're in the wrong season to be to be wishing that, but, you know, it sounds always nice. Yeah. Yeah. But at least the grass has slowed down. That's the main thing. Well, he's down here anyways. I don't think so. I don't know. Yeah. I am. Yeah. Yep. Yep. So I've got the first one. There's a signature request. Oh, yeah. Yeah. Super and insurance summary, you decide? Yep. It's just saying that it's downloaded. Where did I find it? Where would that have gone to? Who knows? Well, I do, but I'm trying to work out where it sent it to if it's maybe there. Not demo. Let me try again. It's starting download and then it's oh, there it is. Hang on. Hang on. Can I just just two seconds? Sorry, Dana. Sorry. I'm attending with children. One wants to watch something and the other one doesn't want to watch what she wants to watch. And do you think that she can just make up the decision because I'm now not available? Anyway, so sorry. I've got that open. Yeah. That's alright. Thank you. Yep. Yes. Yeah. Yes. Not. Yep. No. Don't even know what I'm sitting on, to be honest. I mean, I I I should, but I'm trying to think. Did it I mean, it did go up at the start of the year, but, yeah, I'd say about 32 is about right. Yeah. Yes. I was about to ask I was about to ask that question actually because there was a bit of a mess around with it last year, and it had to be resent out. And then I sent it back, and then someone rang me, and they were gonna resend it out to me on a file. And then I don't know that I got that. Now I don't know where it's at. Perfect. Yep. Yep. Yep. At this stage, the kids are too young to to think about anything like that. So yep. Yes. Yeah. Perfect. Yep. Yes. Yeah. Yeah. Yep. The email, probably. Yep. Yep. Perfect. Yeah. Yeah. Well, at least he's with you guys as well. So that's right. I guess that's based off what I earn now, isn't it? So Yeah. I think it's perfectly fine for now. I mean, yeah. It's it's one of those things, isn't it? Yes. Yeah. I think I'm pretty good with the cover that I've got at the moment. That's exactly right. Yep. You just gotta cover what you need to and then hope the rest all works out. Yep. Yep. Yes. I'm just trying to oh, there it is. I was like, I'm trying to open it. Yep. Yeah. Perfect. That's what we like to see. Something's gotta go positive, doesn't it? Yep. Yep. Yes. Yep. Perfect. Keep tracking the way that we are. Yeah. Definitely. Could you get yeah. I don't think so. I think it looks like it's all doing what it should be doing, and you guys are doing well with it. Yeah. That'd that'd be good, actually. Yeah. Probably six. Like, I guess six will get us right on Christmas, so a little bit before six. Yeah. Yep. Yep. I mean, we are. We are definitely putting money away. I guess I'm I'm splitting that 200 that we're saving across a few different things. So I'm not necessarily putting 200 into lockdown savings. I might be putting, like, 150 into that, and then I'm splitting the other or maybe a little bit extra across a couple of other accounts, you know, like gift accounts or money for us to be able to go and do things with the kids and stuff like that. But we're definitely putting a little bit away still. I'd like it to be more, but, you know, there's only so much you can do with the way the world is at the moment. Mhmm. I'll probably keep it at about that, actually. Yeah. I don't think it's really lost any value. I mean, it probably has in regards to the Stonewall case, but I don't think it would be losing value, if that makes sense. I think it would still be sitting around about that. No. I think that's pretty good. I mean, if we probably wouldn't get that for it, it probably would be losing a bit of value now because of its age. You know, cars have come a long way in that time. I mean, does it make any difference if I decrease it? What does that do in regards to anything? Yeah. I mean, look, I mean, I'd like to get that, but we probably it'd be probably a little bit less that we would actually get, I would think. Yeah. Take a thousand off it. I don't think so. We haven't gained anything of significance in that time. So, yeah, I don't I don't think so. I don't know what what what what's kind of the average for a family in a three bedroom home. I don't even know. Yep. Jesus. Yeah. No. Look. I I do not think that we have assets of that value within our home. I mean, maybe increase it to 80 just for, you know, the cost of things nowadays, but I don't think we need to go that high. It has. Yeah. Yeah. So we're now paying 4 $4.20. Yeah. That's alright. Nope. Thought about it? Yes. Have it done? No. It's it's it's hard to think about doing a will when you don't really think about the fact that we have much to put on it. Yep. Yeah. That would be the biggest thing. Yeah. That would be the biggest thing for me more so than the the financial side of things. And I know that sounds funny, but, I mean, it feels like to us, you know, we really don't have much to put on the wheel other than the fact of the care for the kids. Yep. Yep. Yeah. That is something that I think about, and it does sort of it's it lives in the back of my mind if I need to do something about it, but I haven't actually got anywhere near doing something about it yet. No. No. Yep. Yep. Yep. No. That'd be good. No worries. Yep. I guess so. Yeah. Yep. Is that you know, I guess it's kind of just the average. I mean, we're not people that live on the extreme scale or anything like that. So I mean, you know, it's always nicer to have more than than what you need, but if we can aim to have enough at that age, that'd be great. The way the the way the world's going, it'll be 80 before we're where we retire anyways. Yep. Yes. Yes. Mhmm. Not actually actioned, thought about, and, you know, in the back of my head, yes. But but not actually actioned as yet. I guess, you know, it it's all dependent on the world around us, isn't it? You know, we're we're hoping that we can book in something sort of later half of the year. Hubby actually floated the idea of a a longer term use some of his long service leave at some stage, maybe next year. Go and do something a little bit longer than just a week here or a week there sort of type situation. But whether that actually comes to fruition, who knows? Yeah. Yep. That's right. I sort of said to him that number two needs to be reading and writing a bit better. He's he's only just started kind of this year, so I'm like, he he needs to be reading better and stuff like that before we can take them out of school for, you know, a few weeks at a time or something. But probably before our number three goes to school, which is in about three years. So I'm thinking we might do something bigger next year, but we'll just see how it all plays out because we would also like to buy a house that well, whether that's actually achievable in this lifetime, who knows? It is definitely a goal. It's it's it's been an aim and a goal for of ours for about ten years. But, you know, I I often refer to the whole situation that we were standing on the dock and the boat left without us when COVID hit. Because we had our preapproval, we had our deposit, we were ready to go, and then everything went up by a 150 overnight, and it kinda just left us standing there. And so it was like we were we we literally got out preapproval in the March, and then the world just went the way that it did. And it's never really recovered. So, you know and life happens. And I very much live on the motto of you can't not do things based on short term inconveniences. You know, we wanted to have our family, and we wanted to do things like that. So you can't prolong that just because you wanna do something like buy a house. So, you know, ultimately, I'm now back at work permanently. We're not having any more children. So now we can hopefully grow our financials and our life stability a bit better and hopefully get to a spot where we can buy a house. And we would also like to invest, but I don't know anything about it, and I find it very overwhelming to just think about. You know, we just ultimately wanna have financial stability and have that for our kids as well. But getting there is the challenge. How how does it work? I just I guess, ultimately, the biggest thing is I don't understand anything about investing. And the little bits that I do, I I just find very hard to follow and overwhelming to understand how to get going. I guess the biggest thing is getting started. Yep. Yes. Yep. Yep. Yep. That's right. Yeah. And that's what I said to Diane. I'm like, there's tax implications and all the rest of it. You can't just put money in it, and it just earns more money. It's like there there's other things that it it comes into play when you start doing things like that. And then it's also you know, is it worth us investing before we've bought a house? I don't I don't like, how much do we then have to continue to put in to continue growing that? Yes. Is it wrong to say both? How do we do both and make it work? Yes. Yeah. Well, look, I I'm hoping we'll be in a house before ten years. I I would I would like to say a house goal is probably more of a a two to five years. I I I would like to I mean, on the shorter side of that two to five years, probably two to three, but, realistically, you know, with the world, it's hard to put a shorter time frame on it because it just feels like you're just never getting ahead. I said to someone the other day, I'm like, how long are you meant to keep on the treadmill of doing the same thing and still not getting anywhere? And I guess that's where where on the do we invest? Do we buy a house now? Do we what, like, do we get a hubby's dad to help us with buying a house and go guarantor for it? Like, what what someone tell me what Yeah. I actually did a little bit of work for a mortgage broker. Yeah. I just did a bit of filing and just distance. I did it from here. She's based in Melbourne. She's actually she was a partner of a good friend. I don't know if you guys would be connected to her or not, but she's doing amazing things in the the mortgage broking world. But I guess then when you've got the connection with them, it's kinda like, do you actually wanna go through them? I think the first thing I don't know if it's of cost or how it works in regards to having a chat in regards to, I guess, the financial advising sort of type side of things in whether we do invest now or later or where we're at sort of type situation with things like that. How would we go about organizing a chat like that, and what would the cost of that? Obviously. Yep. Okay. Yep. Yep. I I I do event I do occasionally go back over the budget. I don't I I have a budget, but I don't necessarily have a rock solid budget that I fill in all the time. Like, I have a budget. I know what comes in. I know what goes out. I know what we're left with, and I know where that's going. But I guess I probably should review it more often than I do. Yep. Yep. I think we're both fairly well on the same page. We just don't know how to get there. Yeah. Yeah. Yeah. Yep. I'd love to to organize that at some stage in the near future. I'll have to just nut out when we can do that when there's no kids around. Yeah. Sorry. I went a little bit off right off track there, didn't I? Yep. No. Yeah. No. That's yeah. All good. You were saying sorry. Before I rudely interrupted again. Yep. Yep. I think I'd hold and wait. I'd I'd I don't think I would necessarily be throwing more at the sinking ship. But I also don't think I'd be removing everything either. I think it would be a a wait and see and discuss with you guys, I guess. Yep. I would say I'm medium to high in regards to the whole long term investing and all the rest of it. I would say I'm medium to urging on to the, which I think is about where we're sitting, isn't it? Yes. Yes. Yeah. Yep. Yes. Yeah. A 100%. Like, as as you're saying, I've got quite a long time before I need to think about retiring. And I'm at the position that I'm back at work, and I'm willing to take a bit more risk in that regard because, as you said, the whole compound is our benefit. So kind of the more growth I can get in the next ten years, I guess, the better to be able to grow that. Yep. Yep. Mhmm. Yep. Yep. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Yep. Definitely. And I've I've I've I've passed you guys on to a couple of people. So I've got a couple other people that I've spoken with that it's amazing how many people have just got super that they've done nothing with. And, I mean, I was one of those. And, you know, as I said, after having kids and that, I was like, you know, I need to do something with it. And, yeah, it's amazing how many people are just still sitting on their super that they've been with for, you know, thirty years, twenty years. Oh, yes. Yep. Permission. Yep. Yep. No. Well, I mean, you guys I I've been impressed with what you guys do. So, I mean I mean, I'll be honest. I was very skeptical of that when I I I am very much like that. But then once I'm in, I'm I'm pretty, you know, I'm pretty comfortable. So when Dwayne first changed over, I was a bit skeptical about everything, but he did his due diligence and so did I. So, I mean, so far, we're pretty happy. So yeah. Sure. Yep. Yes. No. That's fine. The only other question I had in regards to the whole investing side of things, what's your thoughts or opinions on, like, these micro investing apps? Yes. Yeah. Yeah. Okay. Is there any that you would recommend? Yeah. Because it says raise, there's shares, these space ships. There's quite a few. I've looked at them as I said. I I have looked into the whole investing side of things, but then I just I I don't know where to start. I don't know if it's the right thing to do. I don't know if it's, yeah. Yeah. Yep. Yes. That's alright. I just thought while I was talking to you, I'd ask the question. No worries. Well, was there anything else that you needed to touch on with me? That's right. Yep. Perfect. Perfect. And I'll have a chat with Ryan, and we'll work out when we might be able to have a chat with yourself. Yes. Well, my afternoon is about to be dinner, baths, and then all that. All all that sort of stuff. Well, thank you very much. Thank you very much for the call. Sounds good. Thanks, Dana. 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I'm good. Thank you, Dana. How are you today? Yeah.\n\nYeah. Long time when I speak. It's gone so fast, but also it feels like a very long time. Yes. Yes.\n\nLike a short one. Sure. Melinda Joy Cook, thirtieth of the first 1992. 500 and 70 Regina Avenue, North, Albany, South 3640. It's been cold.\n\nIt's been wet, actually. I guess I guess while it's wet, it's not too cold. It's it's definitely colder when it's clearer, but it's it's getting there. I think we got to twelfth grade today. Yeah.\n\nWe we were much the same. We had a beautiful weekend, actually. Very sunny, 16 degrees sort of type situation, but then it's been drizzly on and off showers all all week since then. Look. I think we're in the wrong season to be to be wishing that, but, you know, it sounds always nice.\n\nYeah. Yeah. But at least the grass has slowed down. That's the main thing. Well, he's down here anyways.\n\nI don't think so. I don't know. Yeah. I am. Yeah.\n\nYep. Yep. So I've got the first one. There's a signature request. Oh, yeah.\n\nYeah. Super and insurance summary, you decide? Yep. It's just saying that it's downloaded. Where did I find it?\n\nWhere would that have gone to? Who knows? Well, I do, but I'm trying to work out where it sent it to if it's maybe there. Not demo. Let me try again.\n\nIt's starting download and then it's oh, there it is. Hang on. Hang on. Can I just just two seconds? Sorry, Dana.\n\nSorry. I'm attending with children. One wants to watch something and the other one doesn't want to watch what she wants to watch. And do you think that she can just make up the decision because I'm now not available? Anyway, so sorry.\n\nI've got that open. Yeah. That's alright. Thank you. Yep.\n\nYes. Yeah. Yes. Not. Yep.\n\nNo. Don't even know what I'm sitting on, to be honest. I mean, I I I should, but I'm trying to think. Did it I mean, it did go up at the start of the year, but, yeah, I'd say about 32 is about right. Yeah.\n\nYes. I was about to ask I was about to ask that question actually because there was a bit of a mess around with it last year, and it had to be resent out. And then I sent it back, and then someone rang me, and they were gonna resend it out to me on a file. And then I don't know that I got that. Now I don't know where it's at.\n\nPerfect. Yep. Yep. Yep. At this stage, the kids are too young to to think about anything like that.\n\nSo yep. Yes. Yeah. Perfect. Yep.\n\nYes. Yeah. Yeah. Yep. The email, probably.\n\nYep. Yep. Perfect. Yeah. Yeah.\n\nWell, at least he's with you guys as well. So that's right. I guess that's based off what I earn now, isn't it? So Yeah. I think it's perfectly fine for now.\n\nI mean, yeah. It's it's one of those things, isn't it? Yes. Yeah. I think I'm pretty good with the cover that I've got at the moment.\n\nThat's exactly right. Yep. You just gotta cover what you need to and then hope the rest all works out. Yep. Yep.\n\nYes. I'm just trying to oh, there it is. I was like, I'm trying to open it. Yep. Yeah.\n\nPerfect. That's what we like to see. Something's gotta go positive, doesn't it? Yep. Yep.\n\nYes. Yep. Perfect. Keep tracking the way that we are. Yeah.\n\nDefinitely. Could you get yeah. I don't think so. I think it looks like it's all doing what it should be doing, and you guys are doing well with it. Yeah.\n\nThat'd that'd be good, actually. Yeah. Probably six. Like, I guess six will get us right on Christmas, so a little bit before six. Yeah.\n\nYep. Yep. I mean, we are. We are definitely putting money away. I guess I'm I'm splitting that 200 that we're saving across a few different things.\n\nSo I'm not necessarily putting 200 into lockdown savings. I might be putting, like, 150 into that, and then I'm splitting the other or maybe a little bit extra across a couple of other accounts, you know, like gift accounts or money for us to be able to go and do things with the kids and stuff like that. But we're definitely putting a little bit away still. I'd like it to be more, but, you know, there's only so much you can do with the way the world is at the moment. Mhmm.\n\nI'll probably keep it at about that, actually. Yeah. I don't think it's really lost any value. I mean, it probably has in regards to the Stonewall case, but I don't think it would be losing value, if that makes sense. I think it would still be sitting around about that.\n\nNo. I think that's pretty good. I mean, if we probably wouldn't get that for it, it probably would be losing a bit of value now because of its age. You know, cars have come a long way in that time. I mean, does it make any difference if I decrease it?\n\nWhat does that do in regards to anything? Yeah. I mean, look, I mean, I'd like to get that, but we probably it'd be probably a little bit less that we would actually get, I would think. Yeah. Take a thousand off it.\n\nI don't think so. We haven't gained anything of significance in that time. So, yeah, I don't I don't think so. I don't know what what what what's kind of the average for a family in a three bedroom home. I don't even know.\n\nYep. Jesus. Yeah. No. Look.\n\nI I do not think that we have assets of that value within our home. I mean, maybe increase it to 80 just for, you know, the cost of things nowadays, but I don't think we need to go that high. It has. Yeah. Yeah.\n\nSo we're now paying 4 $4.20. Yeah. That's alright. Nope. Thought about it?\n\nYes. Have it done? No. It's it's it's hard to think about doing a will when you don't really think about the fact that we have much to put on it. Yep.\n\nYeah. That would be the biggest thing. Yeah. That would be the biggest thing for me more so than the the financial side of things. And I know that sounds funny, but, I mean, it feels like to us, you know, we really don't have much to put on the wheel other than the fact of the care for the kids.\n\nYep. Yep. Yeah. That is something that I think about, and it does sort of it's it lives in the back of my mind if I need to do something about it, but I haven't actually got anywhere near doing something about it yet. No.\n\nNo. Yep. Yep. Yep. No.\n\nThat'd be good. No worries. Yep. I guess so. Yeah.\n\nYep. Is that you know, I guess it's kind of just the average. I mean, we're not people that live on the extreme scale or anything like that. So I mean, you know, it's always nicer to have more than than what you need, but if we can aim to have enough at that age, that'd be great. The way the the way the world's going, it'll be 80 before we're where we retire anyways.\n\nYep. Yes. Yes. Mhmm. Not actually actioned, thought about, and, you know, in the back of my head, yes.\n\nBut but not actually actioned as yet. I guess, you know, it it's all dependent on the world around us, isn't it? You know, we're we're hoping that we can book in something sort of later half of the year. Hubby actually floated the idea of a a longer term use some of his long service leave at some stage, maybe next year. Go and do something a little bit longer than just a week here or a week there sort of type situation.\n\nBut whether that actually comes to fruition, who knows? Yeah. Yep. That's right. I sort of said to him that number two needs to be reading and writing a bit better.\n\nHe's he's only just started kind of this year, so I'm like, he he needs to be reading better and stuff like that before we can take them out of school for, you know, a few weeks at a time or something. But probably before our number three goes to school, which is in about three years. So I'm thinking we might do something bigger next year, but we'll just see how it all plays out because we would also like to buy a house that well, whether that's actually achievable in this lifetime, who knows? It is definitely a goal. It's it's it's been an aim and a goal for of ours for about ten years.\n\nBut, you know, I I often refer to the whole situation that we were standing on the dock and the boat left without us when COVID hit. Because we had our preapproval, we had our deposit, we were ready to go, and then everything went up by a 150 overnight, and it kinda just left us standing there. And so it was like we were we we literally got out preapproval in the March, and then the world just went the way that it did. And it's never really recovered. So, you know and life happens.\n\nAnd I very much live on the motto of you can't not do things based on short term inconveniences. You know, we wanted to have our family, and we wanted to do things like that. So you can't prolong that just because you wanna do something like buy a house. So, you know, ultimately, I'm now back at work permanently. We're not having any more children.\n\nSo now we can hopefully grow our financials and our life stability a bit better and hopefully get to a spot where we can buy a house. And we would also like to invest, but I don't know anything about it, and I find it very overwhelming to just think about. You know, we just ultimately wanna have financial stability and have that for our kids as well. But getting there is the challenge. How how does it work?\n\nI just I guess, ultimately, the biggest thing is I don't understand anything about investing. And the little bits that I do, I I just find very hard to follow and overwhelming to understand how to get going. I guess the biggest thing is getting started. Yep. Yes.\n\nYep. Yep. Yep. That's right. Yeah.\n\nAnd that's what I said to Diane. I'm like, there's tax implications and all the rest of it. You can't just put money in it, and it just earns more money. It's like there there's other things that it it comes into play when you start doing things like that. And then it's also you know, is it worth us investing before we've bought a house?\n\nI don't I don't like, how much do we then have to continue to put in to continue growing that? Yes. Is it wrong to say both? How do we do both and make it work? Yes.\n\nYeah. Well, look, I I'm hoping we'll be in a house before ten years. I I would I would like to say a house goal is probably more of a a two to five years. I I I would like to I mean, on the shorter side of that two to five years, probably two to three, but, realistically, you know, with the world, it's hard to put a shorter time frame on it because it just feels like you're just never getting ahead. I said to someone the other day, I'm like, how long are you meant to keep on the treadmill of doing the same thing and still not getting anywhere?\n\nAnd I guess that's where where on the do we invest? Do we buy a house now? Do we what, like, do we get a hubby's dad to help us with buying a house and go guarantor for it? Like, what what someone tell me what Yeah. I actually did a little bit of work for a mortgage broker.\n\nYeah. I just did a bit of filing and just distance. I did it from here. She's based in Melbourne. She's actually she was a partner of a good friend.\n\nI don't know if you guys would be connected to her or not, but she's doing amazing things in the the mortgage broking world. But I guess then when you've got the connection with them, it's kinda like, do you actually wanna go through them? I think the first thing I don't know if it's of cost or how it works in regards to having a chat in regards to, I guess, the financial advising sort of type side of things in whether we do invest now or later or where we're at sort of type situation with things like that. How would we go about organizing a chat like that, and what would the cost of that? Obviously.\n\nYep. Okay. Yep. Yep. I I I do event I do occasionally go back over the budget.\n\nI don't I I have a budget, but I don't necessarily have a rock solid budget that I fill in all the time. Like, I have a budget. I know what comes in. I know what goes out. I know what we're left with, and I know where that's going.\n\nBut I guess I probably should review it more often than I do. Yep. Yep. I think we're both fairly well on the same page. We just don't know how to get there.\n\nYeah. Yeah. Yeah. Yep. I'd love to to organize that at some stage in the near future.\n\nI'll have to just nut out when we can do that when there's no kids around. Yeah. Sorry. I went a little bit off right off track there, didn't I? Yep.\n\nNo. Yeah. No. That's yeah. All good.\n\nYou were saying sorry. Before I rudely interrupted again. Yep. Yep. I think I'd hold and wait.\n\nI'd I'd I don't think I would necessarily be throwing more at the sinking ship. But I also don't think I'd be removing everything either. I think it would be a a wait and see and discuss with you guys, I guess. Yep. I would say I'm medium to high in regards to the whole long term investing and all the rest of it.\n\nI would say I'm medium to urging on to the, which I think is about where we're sitting, isn't it? Yes. Yes. Yeah. Yep.\n\nYes. Yeah. A 100%. Like, as as you're saying, I've got quite a long time before I need to think about retiring. And I'm at the position that I'm back at work, and I'm willing to take a bit more risk in that regard because, as you said, the whole compound is our benefit.\n\nSo kind of the more growth I can get in the next ten years, I guess, the better to be able to grow that. Yep. Yep. Mhmm. Yep.\n\nYep. Yeah. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYeah. Yep. Definitely. And I've I've I've I've passed you guys on to a couple of people. So I've got a couple other people that I've spoken with that it's amazing how many people have just got super that they've done nothing with.\n\nAnd, I mean, I was one of those. And, you know, as I said, after having kids and that, I was like, you know, I need to do something with it. And, yeah, it's amazing how many people are just still sitting on their super that they've been with for, you know, thirty years, twenty years. Oh, yes. Yep.\n\nPermission. Yep. Yep. No. Well, I mean, you guys I I've been impressed with what you guys do.\n\nSo, I mean I mean, I'll be honest. I was very skeptical of that when I I I am very much like that. But then once I'm in, I'm I'm pretty, you know, I'm pretty comfortable. So when Dwayne first changed over, I was a bit skeptical about everything, but he did his due diligence and so did I. So, I mean, so far, we're pretty happy.\n\nSo yeah. Sure. Yep. Yes. No.\n\nThat's fine. The only other question I had in regards to the whole investing side of things, what's your thoughts or opinions on, like, these micro investing apps? Yes. Yeah. Yeah.\n\nOkay. Is there any that you would recommend? Yeah. Because it says raise, there's shares, these space ships. There's quite a few.\n\nI've looked at them as I said. I I have looked into the whole investing side of things, but then I just I I don't know where to start. I don't know if it's the right thing to do. I don't know if it's, yeah. Yeah.\n\nYep. Yes. That's alright. I just thought while I was talking to you, I'd ask the question. No worries.\n\nWell, was there anything else that you needed to touch on with me? That's right. Yep. Perfect. Perfect.\n\nAnd I'll have a chat with Ryan, and we'll work out when we might be able to have a chat with yourself. Yes. Well, my afternoon is about to be dinner, baths, and then all that. All all that sort of stuff. Well, thank you very much.\n\nThank you very much for the call. Sounds good. Thanks, Dana. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.04,"end":1.54,"sentiment":"neutral","sentiment_score":0.03465697914361954},{"text":"I'm good.","start":5.8399997,"end":6.3999996,"sentiment":"positive","sentiment_score":0.5880459547042847},{"text":"Thank you, Dana.","start":6.3999996,"end":7.04,"sentiment":"positive","sentiment_score":0.6689292788505554},{"text":"How are you today?","start":7.04,"end":8.02,"sentiment":"positive","sentiment_score":0.4130546301603317},{"text":"Yeah.","start":15.035,"end":15.435,"sentiment":"neutral","sentiment_score":0.04495367780327797}],"sentiment":"positive","sentiment_score":0.4467917203225873,"num_words":11,"start":1.04,"end":15.435},{"sentences":[{"text":"Yeah.","start":15.435,"end":15.835,"sentiment":"neutral","sentiment_score":0.021226827055215836},{"text":"Long time when I speak.","start":15.835,"end":17.055,"sentiment":"neutral","sentiment_score":-0.007030396722257137},{"text":"It's gone so fast, but also it feels like a very long time.","start":21.195,"end":24.255001,"sentiment":"neutral","sentiment_score":-0.26199241326405454},{"text":"Yes.","start":31.51,"end":31.990002,"sentiment":"neutral","sentiment_score":0.038590338081121445},{"text":"Yes.","start":31.990002,"end":32.23,"sentiment":"neutral","sentiment_score":0.05260603129863739}],"sentiment":"neutral","sentiment_score":-0.15850619807661998,"num_words":21,"start":15.435,"end":32.23},{"sentences":[{"text":"Like a short one.","start":32.23,"end":33.37,"sentiment":"neutral","sentiment_score":0.06301806960254908},{"text":"Sure.","start":43.59,"end":44.09,"sentiment":"neutral","sentiment_score":0.26166635751724243},{"text":"Melinda Joy Cook, thirtieth of the first 1992.","start":52.925003,"end":56.045002,"sentiment":"neutral","sentiment_score":0.04312883852981031},{"text":"500 and 70 Regina Avenue, North, Albany, South 3640.","start":56.045002,"end":59.985,"sentiment":"neutral","sentiment_score":0.03543363056249089},{"text":"It's been cold.","start":64.98,"end":66.1,"sentiment":"neutral","sentiment_score":-0.11691694955031078}],"sentiment":"neutral","sentiment_score":0.03307684682309628,"num_words":25,"start":32.23,"end":66.1},{"sentences":[{"text":"It's been wet, actually.","start":66.1,"end":67.4,"sentiment":"neutral","sentiment_score":-0.13573228754103184},{"text":"I guess I guess while it's wet, it's not too cold.","start":68.5,"end":71.8,"sentiment":"neutral","sentiment_score":-0.042979884215376594},{"text":"It's it's definitely colder when it's clearer, but it's it's getting there.","start":72.979996,"end":78.024994,"sentiment":"neutral","sentiment_score":-0.037296592413137354},{"text":"I think we got to twelfth grade today.","start":78.024994,"end":79.80499,"sentiment":"neutral","sentiment_score":0.024211524054408073},{"text":"Yeah.","start":89.704994,"end":90.204994,"sentiment":"neutral","sentiment_score":-0.12485726922750472}],"sentiment":"neutral","sentiment_score":-0.03873422395230995,"num_words":36,"start":66.1,"end":90.204994},{"sentences":[{"text":"We we were much the same.","start":90.700005,"end":91.98,"sentiment":"neutral","sentiment_score":-0.14779754045108953},{"text":"We had a beautiful weekend, actually.","start":91.98,"end":93.92,"sentiment":"neutral","sentiment_score":0.24146661659081778},{"text":"Very sunny, 16 degrees sort of type situation, but then it's been drizzly on and off showers all all week since then.","start":94.54,"end":102.96,"sentiment":"neutral","sentiment_score":-0.040728847750208595},{"text":"Look.","start":108.975,"end":109.375,"sentiment":"neutral","sentiment_score":-0.00276058167219162},{"text":"I think we're in the wrong season to be to be wishing that, but, you know, it sounds always nice.","start":109.375,"end":116.595,"sentiment":"neutral","sentiment_score":-0.09366761818528176}],"sentiment":"neutral","sentiment_score":-0.04018423889170993,"num_words":55,"start":90.700005,"end":116.595},{"sentences":[{"text":"Yeah.","start":124.71,"end":125.21,"sentiment":"neutral","sentiment_score":-0.25291621685028076},{"text":"Yeah.","start":125.350006,"end":125.670006,"sentiment":"neutral","sentiment_score":-0.21801325678825376},{"text":"But at least the grass has slowed down.","start":125.670006,"end":127.51,"sentiment":"negative","sentiment_score":-0.33643174916505814},{"text":"That's the main thing.","start":127.51,"end":128.57,"sentiment":"neutral","sentiment_score":-0.14451338164508343},{"text":"Well, he's down here anyways.","start":130.15001,"end":131.53,"sentiment":"neutral","sentiment_score":-0.021924125403165816}],"sentiment":"neutral","sentiment_score":-0.20263461160816645,"num_words":19,"start":124.71,"end":131.53},{"sentences":[{"text":"I don't think so.","start":144.675,"end":145.635,"sentiment":"neutral","sentiment_score":-0.142342671751976},{"text":"I don't know.","start":145.635,"end":146.455,"sentiment":"neutral","sentiment_score":-0.12493960062662761},{"text":"Yeah.","start":157.17,"end":157.49,"sentiment":"neutral","sentiment_score":0.06489589810371399},{"text":"I am.","start":157.49,"end":158.05,"sentiment":"neutral","sentiment_score":0.0784544050693512},{"text":"Yeah.","start":158.05,"end":158.55,"sentiment":"neutral","sentiment_score":0.12358447909355164}],"sentiment":"neutral","sentiment_score":-0.05443639105016535,"num_words":11,"start":144.675,"end":158.55},{"sentences":[{"text":"Yep.","start":180.40999,"end":180.81,"sentiment":"neutral","sentiment_score":0.1083896905183792},{"text":"Yep.","start":180.81,"end":181.12999,"sentiment":"neutral","sentiment_score":0.0982447862625122},{"text":"So I've got the first one.","start":181.12999,"end":182.67,"sentiment":"neutral","sentiment_score":0.07971281930804253},{"text":"There's a signature request.","start":183.37,"end":184.75,"sentiment":"neutral","sentiment_score":0.06826769281178713},{"text":"Oh, yeah.","start":207.04,"end":207.59999,"sentiment":"neutral","sentiment_score":0.042160626500844955}],"sentiment":"neutral","sentiment_score":0.07445024406271321,"num_words":14,"start":180.40999,"end":207.59999},{"sentences":[{"text":"Yeah.","start":207.59999,"end":208.09999,"sentiment":"neutral","sentiment_score":0.0788932740688324},{"text":"Super and insurance summary, you decide?","start":217.50499,"end":219.845,"sentiment":"neutral","sentiment_score":0.11928206930557887},{"text":"Yep.","start":222.065,"end":222.48,"sentiment":"neutral","sentiment_score":0.207622691988945},{"text":"It's just saying that it's downloaded.","start":241.935,"end":243.635,"sentiment":"neutral","sentiment_score":-0.07115532457828522},{"text":"Where did I find it?","start":246.655,"end":247.955,"sentiment":"neutral","sentiment_score":-0.06840039044618607}],"sentiment":"neutral","sentiment_score":0.012277604325821525,"num_words":19,"start":207.59999,"end":247.955},{"sentences":[{"text":"Where would that have gone to?","start":254.84999,"end":256.55,"sentiment":"neutral","sentiment_score":-0.04292182189722856},{"text":"Who knows?","start":256.77,"end":257.91,"sentiment":"neutral","sentiment_score":-0.041850458830595016},{"text":"Well, I do, but I'm trying to work out where it sent it to if it's maybe there.","start":260.93,"end":272.805,"sentiment":"neutral","sentiment_score":-0.037228601777719125},{"text":"Not demo.","start":273.10498,"end":273.845,"sentiment":"neutral","sentiment_score":-0.0859755352139473},{"text":"Let me try again.","start":276.75,"end":278.05,"sentiment":"neutral","sentiment_score":-0.07114350143820047}],"sentiment":"neutral","sentiment_score":-0.04587099241325632,"num_words":32,"start":254.84999,"end":278.05},{"sentences":[{"text":"It's starting download and then it's oh, there it is.","start":290.215,"end":294.455,"sentiment":"neutral","sentiment_score":-0.033440596610307696},{"text":"Hang on.","start":294.455,"end":294.85498,"sentiment":"neutral","sentiment_score":-0.03411374147981405},{"text":"Hang on.","start":294.85498,"end":295.255,"sentiment":"neutral","sentiment_score":-0.022285512648522854},{"text":"Can I just just two seconds?","start":295.255,"end":297.735,"sentiment":"neutral","sentiment_score":-0.01721597695723176},{"text":"Sorry, Dana.","start":297.735,"end":298.63498,"sentiment":"neutral","sentiment_score":0.007414752151817083}],"sentiment":"neutral","sentiment_score":-0.02434867417270487,"num_words":22,"start":290.215,"end":298.63498},{"sentences":[{"text":"Sorry.","start":318.64502,"end":319.14502,"sentiment":"neutral","sentiment_score":-0.04991823434829712},{"text":"I'm attending with children.","start":319.20502,"end":322.825,"sentiment":"neutral","sentiment_score":-0.04474622290581465},{"text":"One wants to watch something and the other one doesn't want to watch what she wants to watch.","start":322.965,"end":327.14502,"sentiment":"neutral","sentiment_score":-0.08333771323992147},{"text":"And do you think that she can just make up the decision because I'm now not available?","start":327.685,"end":333.69998,"sentiment":"neutral","sentiment_score":-0.0860676292110892},{"text":"Anyway, so sorry.","start":334.56,"end":335.59998,"sentiment":"neutral","sentiment_score":-0.09954003989696503}],"sentiment":"neutral","sentiment_score":-0.0811802739667338,"num_words":43,"start":318.64502,"end":335.59998},{"sentences":[{"text":"I've got that open.","start":335.59998,"end":336.66,"sentiment":"neutral","sentiment_score":-0.05765804089605808},{"text":"Yeah.","start":344.72,"end":344.955,"sentiment":"neutral","sentiment_score":0.18819019198417664},{"text":"That's alright.","start":344.955,"end":347.858,"sentiment":"neutral","sentiment_score":0.3128124177455902},{"text":"Thank you.","start":349.761,"end":352.664,"sentiment":"positive","sentiment_score":0.40389284491539},{"text":"Yep.","start":354.567,"end":355.067,"sentiment":"neutral","sentiment_score":0.1486077904701233}],"sentiment":"neutral","sentiment_score":0.1539576344192028,"num_words":10,"start":335.59998,"end":355.067},{"sentences":[{"text":"Yes.","start":376.905,"end":377.405,"sentiment":"positive","sentiment_score":0.4539307355880738},{"text":"Yeah.","start":399.015,"end":399.515,"sentiment":"positive","sentiment_score":0.3629690706729889},{"text":"Yes.","start":413.99,"end":414.49,"sentiment":"neutral","sentiment_score":0.14947263896465302},{"text":"Not.","start":448.67502,"end":449.17502,"sentiment":"neutral","sentiment_score":-0.029037989675998688},{"text":"Yep.","start":486.56,"end":487.06,"sentiment":"neutral","sentiment_score":0.10228270292282104}],"sentiment":"neutral","sentiment_score":0.2079234316945076,"num_words":5,"start":376.905,"end":487.06},{"sentences":[{"text":"No.","start":499.77502,"end":500.27502,"sentiment":"neutral","sentiment_score":-0.1498822569847107},{"text":"Don't even know what I'm sitting on, to be honest.","start":502.42,"end":504.44,"sentiment":"neutral","sentiment_score":-0.2049905076622963},{"text":"I mean, I I I should, but I'm trying to think.","start":506.82,"end":511.80002,"sentiment":"neutral","sentiment_score":0.040137780491601334},{"text":"Did it I mean, it did go up at the start of the year, but, yeah, I'd say about 32 is about right.","start":512.18,"end":519.805,"sentiment":"neutral","sentiment_score":0.049197290821567825},{"text":"Yeah.","start":521.465,"end":521.965,"sentiment":"positive","sentiment_score":0.3529422879219055}],"sentiment":"neutral","sentiment_score":-0.005951995030045509,"num_words":46,"start":499.77502,"end":521.965},{"sentences":[{"text":"Yes.","start":539.95996,"end":540.45996,"sentiment":"neutral","sentiment_score":0.22089633345603943},{"text":"I was about to ask I was about to ask that question actually because there was a bit of a mess around with it last year, and it had to be resent out.","start":551.255,"end":559.11,"sentiment":"neutral","sentiment_score":-0.07570308537194223},{"text":"And then I sent it back, and then someone rang me, and they were gonna resend it out to me on a file.","start":559.11,"end":567.21,"sentiment":"neutral","sentiment_score":-0.14737990206998328},{"text":"And then I don't know that I got that.","start":567.54504,"end":569.465,"sentiment":"neutral","sentiment_score":-0.16396792150206035},{"text":"Now I don't know where it's at.","start":569.465,"end":571.16504,"sentiment":"neutral","sentiment_score":-0.19950366658823832}],"sentiment":"neutral","sentiment_score":-0.11697644097347783,"num_words":73,"start":539.95996,"end":571.16504},{"sentences":[{"text":"Perfect.","start":577.065,"end":577.565,"sentiment":"positive","sentiment_score":0.4924151003360748},{"text":"Yep.","start":590.51996,"end":591.0,"sentiment":"neutral","sentiment_score":0.15996450185775757},{"text":"Yep.","start":591.0,"end":591.5,"sentiment":"neutral","sentiment_score":0.2544124722480774},{"text":"Yep.","start":593.865,"end":594.025,"sentiment":"neutral","sentiment_score":-0.00821131095290184},{"text":"At this stage, the kids are too young to to think about anything like that.","start":594.025,"end":600.265,"sentiment":"neutral","sentiment_score":-0.2536496033271154}],"sentiment":"neutral","sentiment_score":-0.15295596244303802,"num_words":19,"start":577.065,"end":600.265},{"sentences":[{"text":"So 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email, probably.","start":712.55,"end":713.61,"sentiment":"neutral","sentiment_score":0.006405596621334553}],"sentiment":"neutral","sentiment_score":0.04707526455500296,"num_words":7,"start":682.675,"end":713.61},{"sentences":[{"text":"Yep.","start":731.205,"end":731.445,"sentiment":"neutral","sentiment_score":0.0640745609998703},{"text":"Yep.","start":731.445,"end":731.82,"sentiment":"neutral","sentiment_score":0.07069461047649384},{"text":"Perfect.","start":737.18,"end":737.68,"sentiment":"positive","sentiment_score":0.7688394784927368},{"text":"Yeah.","start":751.435,"end":751.91504,"sentiment":"neutral","sentiment_score":0.12711912393569946},{"text":"Yeah.","start":751.91504,"end":752.315,"sentiment":"neutral","sentiment_score":0.13482007384300232}],"sentiment":"neutral","sentiment_score":0.23310956954956055,"num_words":5,"start":731.205,"end":752.315},{"sentences":[{"text":"Well, at least he's with you guys as well.","start":752.315,"end":754.155,"sentiment":"neutral","sentiment_score":0.14595544503794777},{"text":"So that's right.","start":754.155,"end":769.6,"sentiment":"neutral","sentiment_score":0.3008456031481425},{"text":"I guess that's based off what I earn now, isn't it?","start":838.71,"end":841.51,"sentiment":"neutral","sentiment_score":-0.0438915624875914},{"text":"So Yeah.","start":841.51,"end":869.60504,"sentiment":"neutral","sentiment_score":0.1436084508895874},{"text":"I think it's perfectly fine for now.","start":869.60504,"end":871.365,"sentiment":"positive","sentiment_score":0.47610020637512207}],"sentiment":"neutral","sentiment_score":0.1672889679321088,"num_words":32,"start":752.315,"end":871.365},{"sentences":[{"text":"I mean, yeah.","start":871.365,"end":873.22504,"sentiment":"neutral","sentiment_score":0.14554337163766226},{"text":"It's it's one of those things, isn't it?","start":874.245,"end":876.825,"sentiment":"neutral","sentiment_score":0.09071909729391336},{"text":"Yes.","start":900.675,"end":901.175,"sentiment":"neutral","sentiment_score":0.1936158537864685},{"text":"Yeah.","start":918.86,"end":919.36,"sentiment":"neutral","sentiment_score":0.05330990627408027},{"text":"I think I'm pretty good with the cover that I've got at the moment.","start":920.46,"end":923.2,"sentiment":"neutral","sentiment_score":0.2623365542718342}],"sentiment":"neutral","sentiment_score":0.1882229782640934,"num_words":27,"start":871.365,"end":923.2},{"sentences":[{"text":"That's exactly right.","start":934.175,"end":935.39496,"sentiment":"positive","sentiment_score":0.5993053714434305},{"text":"Yep.","start":935.695,"end":936.01495,"sentiment":"positive","sentiment_score":0.35927268862724304},{"text":"You just gotta cover what you need to and then hope the rest all works out.","start":936.01495,"end":940.33,"sentiment":"neutral","sentiment_score":0.3005563160404563},{"text":"Yep.","start":962.16504,"end":962.34,"sentiment":"neutral","sentiment_score":0.16075731813907623},{"text":"Yep.","start":973.7,"end":974.2,"sentiment":"neutral","sentiment_score":-0.00033610439277254045}],"sentiment":"neutral","sentiment_score":0.32393232151596085,"num_words":22,"start":934.175,"end":974.2},{"sentences":[{"text":"Yes.","start":993.81,"end":994.31,"sentiment":"neutral","sentiment_score":0.15268240869045258},{"text":"I'm just trying to oh, there it is.","start":1028.015,"end":1029.615,"sentiment":"neutral","sentiment_score":0.014391114003956318},{"text":"I was like, I'm trying to open it.","start":1029.615,"end":1031.155,"sentiment":"neutral","sentiment_score":-0.00791814411059022},{"text":"Yep.","start":1047.87,"end":1048.155,"sentiment":"neutral","sentiment_score":0.12902842462062836},{"text":"Yeah.","start":1067.77,"end":1068.27,"sentiment":"positive","sentiment_score":0.5161676406860352}],"sentiment":"neutral","sentiment_score":0.044719064902318154,"num_words":19,"start":993.81,"end":1068.27},{"sentences":[{"text":"Perfect.","start":1072.0901,"end":1072.5901,"sentiment":"positive","sentiment_score":0.595198392868042},{"text":"That's what we like to see.","start":1073.545,"end":1074.8451,"sentiment":"neutral","sentiment_score":0.08128220681101084},{"text":"Something's gotta go positive, doesn't it?","start":1075.385,"end":1077.3251,"sentiment":"neutral","sentiment_score":0.10249711262683074},{"text":"Yep.","start":1114.71,"end":1115.21,"sentiment":"neutral","sentiment_score":0.08188747614622116},{"text":"Yep.","start":1120.07,"end":1120.57,"sentiment":"neutral","sentiment_score":0.09016053378582}],"sentiment":"neutral","sentiment_score":0.12466148796180884,"num_words":15,"start":1072.0901,"end":1120.57},{"sentences":[{"text":"Yes.","start":1128.245,"end":1128.565,"sentiment":"neutral","sentiment_score":0.07700681686401367},{"text":"Yep.","start":1128.565,"end":1128.885,"sentiment":"neutral","sentiment_score":0.10877691209316254},{"text":"Perfect.","start":1128.885,"end":1129.385,"sentiment":"neutral","sentiment_score":0.2167707085609436},{"text":"Keep tracking the way that we are.","start":1131.0449,"end":1132.74,"sentiment":"neutral","sentiment_score":0.2971601869378771},{"text":"Yeah.","start":1191.04,"end":1191.3601,"sentiment":"neutral","sentiment_score":0.03371476009488106}],"sentiment":"neutral","sentiment_score":0.2287627732889219,"num_words":11,"start":1128.245,"end":1191.3601},{"sentences":[{"text":"Definitely.","start":1191.3601,"end":1191.8601,"sentiment":"neutral","sentiment_score":0.07920750230550766},{"text":"Could you get yeah.","start":1191.92,"end":1195.245,"sentiment":"neutral","sentiment_score":0.1548476591706276},{"text":"I don't think so.","start":1206.845,"end":1207.805,"sentiment":"neutral","sentiment_score":-0.17527206987142563},{"text":"I think it looks like it's all doing what it should be doing, and you guys are doing well with 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six.","start":1235.22,"end":1239.72,"sentiment":"neutral","sentiment_score":0.03829208604292944},{"text":"Yeah.","start":1254.755,"end":1255.155,"sentiment":"neutral","sentiment_score":0.11270688474178314}],"sentiment":"neutral","sentiment_score":0.05439755851402879,"num_words":25,"start":1225.705,"end":1255.155},{"sentences":[{"text":"Yep.","start":1255.155,"end":1255.655,"sentiment":"neutral","sentiment_score":0.12090688943862916},{"text":"Yep.","start":1255.955,"end":1256.455,"sentiment":"neutral","sentiment_score":0.2365136742591858},{"text":"I mean, we are.","start":1276.865,"end":1277.845,"sentiment":"neutral","sentiment_score":-0.07834350876510143},{"text":"We are definitely putting money away.","start":1278.9451,"end":1281.905,"sentiment":"neutral","sentiment_score":-0.1895513782898585},{"text":"I guess I'm I'm splitting that 200 that we're saving across a few different 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it would still be sitting around about that.","start":1357.625,"end":1360.0449,"sentiment":"neutral","sentiment_score":-0.08686829656362534}],"sentiment":"neutral","sentiment_score":-0.13305362051024155,"num_words":51,"start":1342.285,"end":1360.0449},{"sentences":[{"text":"No.","start":1374.26,"end":1374.5801,"sentiment":"neutral","sentiment_score":-0.08971083909273148},{"text":"I think that's pretty good.","start":1374.5801,"end":1375.78,"sentiment":"neutral","sentiment_score":-0.021284234523773194},{"text":"I mean, if we probably wouldn't get that for it, it probably would be losing a bit of value now because of its age.","start":1375.78,"end":1383.4,"sentiment":"neutral","sentiment_score":-0.3031832178433736},{"text":"You know, cars have come a long way in that time.","start":1384.755,"end":1387.3351,"sentiment":"neutral","sentiment_score":-0.08666307343678041},{"text":"I mean, does it make any difference if I decrease 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there.","start":2020.3049,"end":2030.6449,"sentiment":"neutral","sentiment_score":0.07401316108242158},{"text":"And so it was like we were we we literally got out preapproval in the March, and then the world just went the way that it did.","start":2033.04,"end":2041.7001,"sentiment":"neutral","sentiment_score":0.09857780513940034},{"text":"And it's never really recovered.","start":2041.92,"end":2043.4601,"sentiment":"neutral","sentiment_score":-0.12361334413290023},{"text":"So, you know and life happens.","start":2043.6001,"end":2045.8401,"sentiment":"neutral","sentiment_score":0.06407888295749824}],"sentiment":"neutral","sentiment_score":0.038307326865227274,"num_words":96,"start":2011.08,"end":2045.8401},{"sentences":[{"text":"And I very much live on the motto of you can't not do things based on short term inconveniences.","start":2045.8401,"end":2052.2349,"sentiment":"neutral","sentiment_score":0.1243423749937823},{"text":"You know, we wanted to have our family, and we wanted to do 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but I don't know anything about it, and I find it very overwhelming to just think about.","start":2082.4248,"end":2089.6448,"sentiment":"neutral","sentiment_score":0.1174565728676195},{"text":"You know, we just ultimately wanna have financial stability and have that for our kids as well.","start":2090.505,"end":2095.67,"sentiment":"neutral","sentiment_score":0.2623015572043026},{"text":"But getting there is the challenge.","start":2096.93,"end":2100.23,"sentiment":"neutral","sentiment_score":-0.18072932213544846},{"text":"How how does it work?","start":2122.825,"end":2124.7302,"sentiment":"neutral","sentiment_score":0.24164068102836608}],"sentiment":"neutral","sentiment_score":0.16574517857943533,"num_words":79,"start":2070.98,"end":2124.7302},{"sentences":[{"text":"I just I guess, ultimately, the biggest thing is I don't understand anything about investing.","start":2124.7302,"end":2129.7102,"sentiment":"neutral","sentiment_score":-0.2509224848200878},{"text":"And the little bits that I do, I I just find very hard to follow and overwhelming to understand how to get going.","start":2130.57,"end":2139.715,"sentiment":"neutral","sentiment_score":-0.2632367500792379},{"text":"I guess the biggest thing is getting started.","start":2139.715,"end":2141.655,"sentiment":"neutral","sentiment_score":-0.02233647182583809},{"text":"Yep.","start":2178.005,"end":2178.36,"sentiment":"neutral","sentiment_score":0.2725943326950073},{"text":"Yes.","start":2217.43,"end":2217.93,"sentiment":"neutral","sentiment_score":0.14611700177192688}],"sentiment":"neutral","sentiment_score":-0.19954714508882412,"num_words":48,"start":2124.7302,"end":2217.93},{"sentences":[{"text":"Yep.","start":2231.655,"end":2232.06,"sentiment":"neutral","sentiment_score":0.06959535926580429},{"text":"Yep.","start":2245.1,"end":2245.6,"sentiment":"positive","sentiment_score":0.3422561287879944},{"text":"Yep.","start":2269.93,"end":2270.205,"sentiment":"neutral","sentiment_score":0.19616585969924927},{"text":"That's right.","start":2293.43,"end":2294.07,"sentiment":"neutral","sentiment_score":0.14866353571414948},{"text":"Yeah.","start":2294.07,"end":2294.31,"sentiment":"neutral","sentiment_score":0.10213012993335724}],"sentiment":"neutral","sentiment_score":0.1679124248524507,"num_words":6,"start":2231.655,"end":2294.31},{"sentences":[{"text":"And that's what I said to Diane.","start":2294.31,"end":2295.99,"sentiment":"neutral","sentiment_score":0.048831483615296226},{"text":"I'm like, there's tax implications and all the rest of it.","start":2295.99,"end":2298.23,"sentiment":"neutral","sentiment_score":0.07104237682440064},{"text":"You can't just put money in it, and it just earns more money.","start":2298.23,"end":2301.595,"sentiment":"neutral","sentiment_score":0.062408641553842105},{"text":"It's like there there's other things that it it comes into play when you start doing things like that.","start":2301.595,"end":2306.6548,"sentiment":"neutral","sentiment_score":0.030532757604592724},{"text":"And then it's also you know, is it worth us investing before we've bought a house?","start":2306.795,"end":2311.275,"sentiment":"neutral","sentiment_score":-0.01956602360587567}],"sentiment":"neutral","sentiment_score":0.03335855889952544,"num_words":66,"start":2294.31,"end":2311.275},{"sentences":[{"text":"I don't I don't like, how much do we then have to continue to put in to continue growing that?","start":2311.275,"end":2318.4,"sentiment":"neutral","sentiment_score":-0.1389463936910033},{"text":"Yes.","start":2383.335,"end":2383.835,"sentiment":"neutral","sentiment_score":0.22929958999156952},{"text":"Is it wrong to say both?","start":2415.5,"end":2417.1199,"sentiment":"neutral","sentiment_score":-0.04784228652715683},{"text":"How do we do both and make it work?","start":2419.9,"end":2422.0,"sentiment":"neutral","sentiment_score":-0.17530262387461132},{"text":"Yes.","start":2485.415,"end":2485.915,"sentiment":"positive","sentiment_score":0.41181308031082153}],"sentiment":"neutral","sentiment_score":-0.10817817669059779,"num_words":37,"start":2311.275,"end":2485.915},{"sentences":[{"text":"Yeah.","start":2514.395,"end":2514.715,"sentiment":"neutral","sentiment_score":0.12685304880142212},{"text":"Well, look, I I'm hoping we'll be in a house before ten years.","start":2514.715,"end":2518.335,"sentiment":"neutral","sentiment_score":0.01763703917654661},{"text":"I I would I would like to say a house goal is probably more of a a two to five years.","start":2520.3,"end":2525.12,"sentiment":"neutral","sentiment_score":0.2328288789306368},{"text":"I I I would like to I mean, on the shorter side of that two to five years, probably two to three, but, realistically, you know, with the world, it's hard to put a shorter time frame on it because it just feels like you're just never getting ahead.","start":2526.78,"end":2539.585,"sentiment":"neutral","sentiment_score":-0.08293402981849349},{"text":"I said to someone the other day, I'm like, how long are you meant to keep on the treadmill of doing the same thing and still not getting anywhere?","start":2540.205,"end":2547.185,"sentiment":"neutral","sentiment_score":-0.24047960340976715}],"sentiment":"neutral","sentiment_score":-0.05125783136592502,"num_words":113,"start":2514.395,"end":2547.185},{"sentences":[{"text":"And I guess that's where where on the do we invest?","start":2548.34,"end":2551.7,"sentiment":"neutral","sentiment_score":-0.054660735482519325},{"text":"Do we buy a house now?","start":2551.7,"end":2552.6602,"sentiment":"neutral","sentiment_score":-0.041373507430156074},{"text":"Do we what, like, do we get a hubby's dad to help us with buying a house and go guarantor for it?","start":2552.6602,"end":2561.62,"sentiment":"neutral","sentiment_score":0.025564156980677086},{"text":"Like, what what someone tell me what Yeah.","start":2561.62,"end":2623.895,"sentiment":"neutral","sentiment_score":-0.0739838513545692},{"text":"I actually did a little bit of work for a mortgage broker.","start":2623.895,"end":2626.315,"sentiment":"neutral","sentiment_score":0.04079538878674308}],"sentiment":"neutral","sentiment_score":-0.006600403842532029,"num_words":59,"start":2548.34,"end":2626.315},{"sentences":[{"text":"Yeah.","start":2628.4548,"end":2628.695,"sentiment":"neutral","sentiment_score":0.12178956717252731},{"text":"I just did a bit of filing and just distance.","start":2628.695,"end":2631.8,"sentiment":"neutral","sentiment_score":0.06043055206537247},{"text":"I did it from here.","start":2631.8,"end":2632.76,"sentiment":"neutral","sentiment_score":0.08179775774478912},{"text":"She's based in Melbourne.","start":2632.76,"end":2633.8,"sentiment":"neutral","sentiment_score":0.08662556111812592},{"text":"She's actually she was a partner of a good friend.","start":2633.8,"end":2638.38,"sentiment":"neutral","sentiment_score":0.167740385979414}],"sentiment":"neutral","sentiment_score":0.10529966602722804,"num_words":30,"start":2628.4548,"end":2638.38},{"sentences":[{"text":"I don't know if you guys would be connected to her or not, but she's doing amazing things in the the mortgage broking world.","start":2640.68,"end":2648.475,"sentiment":"neutral","sentiment_score":0.26673745705435675},{"text":"But I guess then when you've got the connection with them, it's kinda like, do you actually wanna go through them?","start":2650.215,"end":2655.195,"sentiment":"neutral","sentiment_score":0.03592976466530845},{"text":"I think the first thing I don't know if it's of cost or how it works in regards to having a chat in regards to, I guess, the financial advising sort of type side of things in whether we do invest now or later or where we're at sort of type situation with things like that.","start":2682.055,"end":2701.01,"sentiment":"neutral","sentiment_score":0.11690000138644661},{"text":"How would we go about organizing a chat like that, and what would the cost of that?","start":2701.715,"end":2706.535,"sentiment":"neutral","sentiment_score":0.12398878222002703},{"text":"Obviously.","start":2722.53,"end":2723.01,"sentiment":"neutral","sentiment_score":0.21232670545578003}],"sentiment":"neutral","sentiment_score":0.13464504292532176,"num_words":119,"start":2640.68,"end":2723.01},{"sentences":[{"text":"Yep.","start":2723.01,"end":2723.51,"sentiment":"neutral","sentiment_score":0.2500596046447754},{"text":"Okay.","start":2752.5,"end":2753.0,"sentiment":"positive","sentiment_score":0.4345649480819702},{"text":"Yep.","start":2770.87,"end":2771.37,"sentiment":"neutral","sentiment_score":0.20684731006622312},{"text":"Yep.","start":2778.07,"end":2778.57,"sentiment":"neutral","sentiment_score":0.19157102704048157},{"text":"I I I do event I do occasionally go back over the budget.","start":2778.71,"end":2783.05,"sentiment":"neutral","sentiment_score":0.16917090490460396}],"sentiment":"neutral","sentiment_score":0.19307439138784127,"num_words":17,"start":2723.01,"end":2783.05},{"sentences":[{"text":"I don't I I have a budget, but I don't necessarily have a rock solid budget that I fill in all the time.","start":2783.35,"end":2792.045,"sentiment":"neutral","sentiment_score":-0.022464880314858063},{"text":"Like, I have a budget.","start":2792.045,"end":2793.265,"sentiment":"neutral","sentiment_score":0.017282381281256677},{"text":"I know what comes in.","start":2793.4849,"end":2794.525,"sentiment":"neutral","sentiment_score":0.00001738257706165279},{"text":"I know what goes out.","start":2794.525,"end":2795.4849,"sentiment":"neutral","sentiment_score":0.011633577197790146},{"text":"I know what we're left with, and I know where that's going.","start":2795.4849,"end":2798.065,"sentiment":"neutral","sentiment_score":-0.009890059736790136}],"sentiment":"neutral","sentiment_score":-0.009814125176053495,"num_words":50,"start":2783.35,"end":2798.065},{"sentences":[{"text":"But I guess I probably should review it more often than I do.","start":2798.31,"end":2801.9302,"sentiment":"neutral","sentiment_score":0.055144151529440515},{"text":"Yep.","start":2830.8901,"end":2831.3901,"sentiment":"positive","sentiment_score":0.3496362864971161},{"text":"Yep.","start":2870.455,"end":2870.955,"sentiment":"neutral","sentiment_score":0.24116310477256775},{"text":"I think we're both fairly well on the same page.","start":2873.895,"end":2876.215,"sentiment":"positive","sentiment_score":0.35994982719421387},{"text":"We just don't know how to get there.","start":2876.215,"end":2877.915,"sentiment":"neutral","sentiment_score":0.15804991638287902}],"sentiment":"neutral","sentiment_score":0.18701730194416913,"num_words":33,"start":2798.31,"end":2877.915},{"sentences":[{"text":"Yeah.","start":2885.7,"end":2886.2,"sentiment":"neutral","sentiment_score":0.08962208032608032},{"text":"Yeah.","start":2892.66,"end":2893.16,"sentiment":"positive","sentiment_score":0.37353724241256714},{"text":"Yeah.","start":2901.165,"end":2901.5652,"sentiment":"positive","sentiment_score":0.6694839000701904},{"text":"Yep.","start":2901.5652,"end":2901.965,"sentiment":"positive","sentiment_score":0.5242828726768494},{"text":"I'd love to to organize that at some stage in the near future.","start":2901.965,"end":2906.145,"sentiment":"positive","sentiment_score":0.5573421441591703}],"sentiment":"positive","sentiment_score":0.5236690570326412,"num_words":17,"start":2885.7,"end":2906.145},{"sentences":[{"text":"I'll have to just nut out when we can do that when there's no kids around.","start":2908.43,"end":2912.53,"sentiment":"neutral","sentiment_score":0.17798090679571033},{"text":"Yeah.","start":2921.225,"end":2921.385,"sentiment":"neutral","sentiment_score":0.032092027366161346},{"text":"Sorry.","start":2921.385,"end":2921.625,"sentiment":"neutral","sentiment_score":-0.048691004514694214},{"text":"I went a little bit off right off track there, didn't I?","start":2921.625,"end":2924.685,"sentiment":"neutral","sentiment_score":-0.16211866276959577},{"text":"Yep.","start":2940.8398,"end":2941.3398,"sentiment":"neutral","sentiment_score":0.14272278547286987}],"sentiment":"neutral","sentiment_score":0.03317401173614686,"num_words":31,"start":2908.43,"end":2941.3398},{"sentences":[{"text":"No.","start":2952.1748,"end":2952.255,"sentiment":"neutral","sentiment_score":-0.08773013949394226},{"text":"Yeah.","start":2952.255,"end":2952.6548,"sentiment":"neutral","sentiment_score":-0.03607957810163498},{"text":"No.","start":2952.6548,"end":2952.9749,"sentiment":"neutral","sentiment_score":-0.07845745980739594},{"text":"That's yeah.","start":2952.9749,"end":2954.115,"sentiment":"neutral","sentiment_score":-0.0005694180727005005},{"text":"All good.","start":2955.055,"end":2955.6948,"sentiment":"neutral","sentiment_score":0.17179471254348755}],"sentiment":"neutral","sentiment_score":0.020026201648371555,"num_words":7,"start":2952.1748,"end":2955.6948},{"sentences":[{"text":"You were saying sorry.","start":2955.6948,"end":2956.6548,"sentiment":"neutral","sentiment_score":-0.05670839175581932},{"text":"Before I rudely interrupted again.","start":2956.6548,"end":2958.595,"sentiment":"neutral","sentiment_score":-0.1351607233285904},{"text":"Yep.","start":2975.235,"end":2975.735,"sentiment":"neutral","sentiment_score":0.0948437675833702},{"text":"Yep.","start":2981.155,"end":2981.655,"sentiment":"neutral","sentiment_score":-0.026838121935725212},{"text":"I think I'd hold and wait.","start":3008.3052,"end":3009.8452,"sentiment":"neutral","sentiment_score":-0.11044434458017349}],"sentiment":"neutral","sentiment_score":-0.08807632973527207,"num_words":17,"start":2955.6948,"end":3009.8452},{"sentences":[{"text":"I'd I'd I don't think I would necessarily be throwing more at the sinking ship.","start":3011.185,"end":3016.72,"sentiment":"neutral","sentiment_score":-0.25679698325693606},{"text":"But I also don't think I'd be removing everything either.","start":3018.1401,"end":3021.58,"sentiment":"neutral","sentiment_score":-0.18919823691248894},{"text":"I think it would be a a wait and see and discuss with you guys, I guess.","start":3021.58,"end":3026.0,"sentiment":"neutral","sentiment_score":-0.23286269079236424},{"text":"Yep.","start":3048.2202,"end":3048.7202,"sentiment":"neutral","sentiment_score":-0.031809739768505096},{"text":"I would say I'm medium to high in regards to the whole long term investing and all the rest of it.","start":3071.04,"end":3080.72,"sentiment":"neutral","sentiment_score":0.03655834294234713}],"sentiment":"neutral","sentiment_score":-0.14010449061606778,"num_words":64,"start":3011.185,"end":3080.72},{"sentences":[{"text":"I would say I'm medium to urging on to the, which I think is about where we're sitting, isn't it?","start":3080.72,"end":3089.405,"sentiment":"neutral","sentiment_score":-0.043780878838151696},{"text":"Yes.","start":3107.6401,"end":3108.1401,"sentiment":"neutral","sentiment_score":0.06698833405971527},{"text":"Yes.","start":3125.1848,"end":3125.49,"sentiment":"neutral","sentiment_score":0.043760403990745544},{"text":"Yeah.","start":3132.3699,"end":3132.77,"sentiment":"neutral","sentiment_score":0.061863839626312256},{"text":"Yep.","start":3132.77,"end":3133.27,"sentiment":"neutral","sentiment_score":0.07276999950408936}],"sentiment":"neutral","sentiment_score":-0.026259791649257142,"num_words":24,"start":3080.72,"end":3133.27},{"sentences":[{"text":"Yes.","start":3160.14,"end":3160.38,"sentiment":"neutral","sentiment_score":0.1780855655670166},{"text":"Yeah.","start":3160.38,"end":3160.88,"sentiment":"neutral","sentiment_score":0.07124339789152145},{"text":"A 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that.","start":3180.7148,"end":3187.34,"sentiment":"neutral","sentiment_score":0.1103319766310354},{"text":"Yep.","start":3197.0,"end":3197.385,"sentiment":"neutral","sentiment_score":0.08221205323934555},{"text":"Yep.","start":3209.225,"end":3209.49,"sentiment":"neutral","sentiment_score":0.16851100325584412},{"text":"Mhmm.","start":3209.49,"end":3209.99,"sentiment":"neutral","sentiment_score":0.14401119947433472},{"text":"Yep.","start":3216.9675,"end":3217.4675,"sentiment":"neutral","sentiment_score":0.19061216711997983}],"sentiment":"neutral","sentiment_score":0.11547549507979836,"num_words":28,"start":3180.7148,"end":3217.4675},{"sentences":[{"text":"Yep.","start":3253.8352,"end":3254.3352,"sentiment":"neutral","sentiment_score":0.1139882355928421},{"text":"Yeah.","start":3258.955,"end":3259.455,"sentiment":"neutral","sentiment_score":0.12292929738759996},{"text":"Yep.","start":3273.53,"end":3274.03,"sentiment":"neutral","sentiment_score":0.11418651789426804},{"text":"Yep.","start":3274.25,"end":3274.73,"sentiment":"neutral","sentiment_score":0.15414497256278992},{"text":"Yep.","start":3274.73,"end":3275.145,"sentiment":"neutral","sentiment_score":0.3043862581253052}],"sentiment":"neutral","sentiment_score":0.16192705631256105,"num_words":5,"start":3253.8352,"end":3275.145},{"sentences":[{"text":"Yep.","start":3285.625,"end":3286.125,"sentiment":"neutral","sentiment_score":0.12388737499713898},{"text":"Yep.","start":3295.16,"end":3295.66,"sentiment":"neutral","sentiment_score":0.10593615472316742},{"text":"Yep.","start":3316.78,"end":3317.28,"sentiment":"neutral","sentiment_score":-0.0356026366353035},{"text":"Yep.","start":3321.42,"end":3321.92,"sentiment":"neutral","sentiment_score":0.1394629180431366},{"text":"Yep.","start":3324.7,"end":3325.2,"sentiment":"neutral","sentiment_score":0.06938078999519348}],"sentiment":"neutral","sentiment_score":0.0806129202246666,"num_words":5,"start":3285.625,"end":3325.2},{"sentences":[{"text":"Yeah.","start":3325.5,"end":3325.9,"sentiment":"neutral","sentiment_score":0.11504244804382324},{"text":"Yep.","start":3325.9,"end":3326.22,"sentiment":"neutral","sentiment_score":0.1686125248670578},{"text":"Definitely.","start":3326.22,"end":3326.72,"sentiment":"positive","sentiment_score":0.4270888566970825},{"text":"And I've I've I've I've passed you guys on to a couple of people.","start":3326.94,"end":3330.9949,"sentiment":"neutral","sentiment_score":0.24466292347226823},{"text":"So I've got a couple other people that I've spoken with that it's amazing how many people have just got super that they've done nothing with.","start":3330.9949,"end":3341.85,"sentiment":"positive","sentiment_score":0.4391429288169512}],"sentiment":"positive","sentiment_score":0.3617149048246617,"num_words":43,"start":3325.5,"end":3341.85},{"sentences":[{"text":"And, I mean, I was one of those.","start":3341.9302,"end":3343.4502,"sentiment":"neutral","sentiment_score":0.21411725971847773},{"text":"And, you know, as I said, after having kids and that, I was like, you know, I need to do something with it.","start":3343.4502,"end":3348.6702,"sentiment":"neutral","sentiment_score":-0.004853476486776186},{"text":"And, yeah, it's amazing how many people are just still sitting on their super that they've been with for, you know, thirty years, twenty years.","start":3349.9302,"end":3361.705,"sentiment":"neutral","sentiment_score":0.15911574065685272},{"text":"Oh, yes.","start":3372.87,"end":3373.51,"sentiment":"neutral","sentiment_score":0.23517680168151855},{"text":"Yep.","start":3373.51,"end":3374.01,"sentiment":"positive","sentiment_score":0.3342089056968689}],"sentiment":"neutral","sentiment_score":0.10819939227174905,"num_words":59,"start":3341.9302,"end":3374.01},{"sentences":[{"text":"Permission.","start":3388.085,"end":3388.585,"sentiment":"neutral","sentiment_score":0.11522266268730164},{"text":"Yep.","start":3388.885,"end":3389.385,"sentiment":"neutral","sentiment_score":0.16719526052474976},{"text":"Yep.","start":3412.585,"end":3413.085,"sentiment":"positive","sentiment_score":0.3574272096157074},{"text":"No.","start":3415.145,"end":3415.385,"sentiment":"neutral","sentiment_score":0.098039910197258},{"text":"Well, I mean, you guys I I've been impressed with what you guys do.","start":3415.385,"end":3419.7048,"sentiment":"neutral","sentiment_score":0.28839505836367607}],"sentiment":"neutral","sentiment_score":0.2653008811175823,"num_words":18,"start":3388.085,"end":3419.7048},{"sentences":[{"text":"So, I mean I mean, I'll be honest.","start":3419.7048,"end":3423.8901,"sentiment":"neutral","sentiment_score":-0.002025863155722618},{"text":"I was very skeptical of that when I I I am very much like that.","start":3423.8901,"end":3430.7102,"sentiment":"neutral","sentiment_score":-0.2560363173484802},{"text":"But then once I'm in, I'm I'm pretty, you know, I'm pretty comfortable.","start":3431.25,"end":3434.7102,"sentiment":"neutral","sentiment_score":-0.023966778069734573},{"text":"So when Dwayne first changed over, I was a bit skeptical about everything, but he did his due diligence and so did I.","start":3434.77,"end":3445.395,"sentiment":"neutral","sentiment_score":0.003322080425594164},{"text":"So, I mean, so far, we're pretty happy.","start":3445.395,"end":3447.795,"sentiment":"positive","sentiment_score":0.38695479929447174}],"sentiment":"neutral","sentiment_score":-0.014869754272165582,"num_words":67,"start":3419.7048,"end":3447.795},{"sentences":[{"text":"So yeah.","start":3447.795,"end":3448.615,"sentiment":"positive","sentiment_score":0.36166422069072723},{"text":"Sure.","start":3470.545,"end":3471.045,"sentiment":"neutral","sentiment_score":0.13765625655651093},{"text":"Yep.","start":3471.105,"end":3471.605,"sentiment":"neutral","sentiment_score":0.1618262231349945},{"text":"Yes.","start":3502.55,"end":3502.95,"sentiment":"neutral","sentiment_score":0.012876605615019798},{"text":"No.","start":3502.95,"end":3503.35,"sentiment":"neutral","sentiment_score":-0.011686546728014946}],"sentiment":"neutral","sentiment_score":0.17066682999332747,"num_words":6,"start":3447.795,"end":3503.35},{"sentences":[{"text":"That's fine.","start":3503.35,"end":3504.25,"sentiment":"positive","sentiment_score":0.3761022686958313},{"text":"The only other question I had in regards to the whole investing side of things, what's your thoughts or opinions on, like, these micro investing apps?","start":3505.43,"end":3517.095,"sentiment":"neutral","sentiment_score":0.048842265807951875},{"text":"Yes.","start":3538.3499,"end":3538.8499,"sentiment":"neutral","sentiment_score":0.25676071643829346},{"text":"Yeah.","start":3589.21,"end":3589.71,"sentiment":"positive","sentiment_score":0.3860631287097931},{"text":"Yeah.","start":3602.8252,"end":3603.225,"sentiment":"neutral","sentiment_score":0.06259278953075409}],"sentiment":"neutral","sentiment_score":0.0879845188089436,"num_words":31,"start":3503.35,"end":3603.225},{"sentences":[{"text":"Okay.","start":3603.225,"end":3603.725,"sentiment":"neutral","sentiment_score":0.0484963059425354},{"text":"Is there any that you would recommend?","start":3604.0251,"end":3605.965,"sentiment":"neutral","sentiment_score":0.030843795942408696},{"text":"Yeah.","start":3634.005,"end":3634.325,"sentiment":"neutral","sentiment_score":0.013075866736471651},{"text":"Because it says raise, there's shares, these space ships.","start":3634.325,"end":3639.28,"sentiment":"neutral","sentiment_score":-0.007714851914594571},{"text":"There's quite a few.","start":3639.34,"end":3640.14,"sentiment":"neutral","sentiment_score":0.012020817957818508}],"sentiment":"neutral","sentiment_score":0.01164219767617231,"num_words":22,"start":3603.225,"end":3640.14},{"sentences":[{"text":"I've looked at them as I said.","start":3640.14,"end":3641.34,"sentiment":"neutral","sentiment_score":0.011891740706882306},{"text":"I I have looked into the whole investing side of things, but then I just I I don't know where to start.","start":3641.34,"end":3649.44,"sentiment":"neutral","sentiment_score":-0.04094148113984953},{"text":"I don't know if it's the right thing to do.","start":3650.06,"end":3652.38,"sentiment":"neutral","sentiment_score":-0.030300153791904448},{"text":"I don't know if it's, yeah.","start":3652.38,"end":3660.4023,"sentiment":"neutral","sentiment_score":-0.01972563813130061},{"text":"Yeah.","start":3744.055,"end":3744.555,"sentiment":"neutral","sentiment_score":0.2888812720775604}],"sentiment":"neutral","sentiment_score":-0.020650967277343505,"num_words":46,"start":3640.14,"end":3744.555},{"sentences":[{"text":"Yep.","start":3749.735,"end":3750.235,"sentiment":"neutral","sentiment_score":0.11075834929943083},{"text":"Yes.","start":3751.495,"end":3751.995,"sentiment":"neutral","sentiment_score":0.051623038947582245},{"text":"That's alright.","start":3753.62,"end":3754.02,"sentiment":"neutral","sentiment_score":0.18750957399606705},{"text":"I just thought while I was talking to you, I'd ask the question.","start":3754.02,"end":3756.6,"sentiment":"neutral","sentiment_score":0.037438259388391786},{"text":"No worries.","start":3762.1802,"end":3762.82,"sentiment":"neutral","sentiment_score":0.25340427458286285}],"sentiment":"neutral","sentiment_score":0.08057402407652453,"num_words":19,"start":3749.735,"end":3762.82},{"sentences":[{"text":"Well, was there anything else that you needed to touch on with me?","start":3762.82,"end":3769.2852,"sentiment":"neutral","sentiment_score":0.021592949158870257},{"text":"That's right.","start":3775.985,"end":3776.725,"sentiment":"neutral","sentiment_score":0.21445750445127487},{"text":"Yep.","start":3777.185,"end":3777.685,"sentiment":"neutral","sentiment_score":0.1189122349023819},{"text":"Perfect.","start":3780.3052,"end":3780.8052,"sentiment":"positive","sentiment_score":0.6706224679946899},{"text":"Perfect.","start":3789.05,"end":3789.55,"sentiment":"positive","sentiment_score":0.5941207408905029}],"sentiment":"neutral","sentiment_score":0.11629326620863543,"num_words":18,"start":3762.82,"end":3789.55},{"sentences":[{"text":"And I'll have a chat with Ryan, and we'll work out when we might be able to have a chat with yourself.","start":3789.69,"end":3801.245,"sentiment":"neutral","sentiment_score":0.23612016608769243},{"text":"Yes.","start":3801.245,"end":3801.645,"sentiment":"neutral","sentiment_score":0.1143883615732193},{"text":"Well, my afternoon is about to be dinner, baths, and then all that.","start":3801.645,"end":3807.425,"sentiment":"neutral","sentiment_score":0.037424223067668766},{"text":"All all that sort of stuff.","start":3807.485,"end":3808.945,"sentiment":"neutral","sentiment_score":0.01086610679825147},{"text":"Well, thank you very much.","start":3811.96,"end":3813.5,"sentiment":"positive","sentiment_score":0.6581506252288818}],"sentiment":"neutral","sentiment_score":0.19471269536842692,"num_words":47,"start":3789.69,"end":3813.5},{"sentences":[{"text":"Thank you very much for the call.","start":3814.1829,"end":3820.9229,"sentiment":"positive","sentiment_score":0.6726736000605992},{"text":"Sounds good.","start":3821.623,"end":3822.1829,"sentiment":"positive","sentiment_score":0.6754558682441711},{"text":"Thanks, Dana.","start":3822.1829,"end":3823.003,"sentiment":"positive","sentiment_score":0.6292621195316315},{"text":"Bye.","start":3823.9429,"end":3824.4429,"sentiment":"neutral","sentiment_score":0.25620681047439575}],"sentiment":"positive","sentiment_score":0.6311964988708496,"num_words":12,"start":3814.1829,"end":3824.4429}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Melinda. This is Dana from Oakey Financial. How are you this afternoon?\n\nChannel 1: I'm good. Thank you, Dana. How are you today?\n\nChannel 0: I'm very well. Thank you. Thanks for asking. I had you booked in to go through your annual review. Is now still a good time there for you?\n\nChannel 1: Yeah. Yeah. Long time when I speak.\n\nChannel 0: That's right. It's been a year. Wow.\n\nChannel 1: It's gone so fast, but also it feels like a very long time.\n\nChannel 0: I know. I know. It's funny. The older we get, the faster years go, but then some weeks, they just drag on.\n\nChannel 1: Yes. Yes. Like a short one.\n\nChannel 0: Absolutely. All good. Look. Before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Sure.\n\nChannel 0: Fantastic. And just to do security there with you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Melinda Joy Cook, thirtieth of the first\n\nChannel 0: Yes.\n\nChannel 1: 1992. 500\n\nChannel 0: That's\n\nChannel 1: and 70\n\nChannel 0: fine.\n\nChannel 1: Regina Avenue, North, Albany, South 3640.\n\nChannel 0: Beautiful. Thank you so much for that. How cold is it down there at the moment?\n\nChannel 1: It's been cold. It's been wet, actually.\n\nChannel 0: Oh, really?\n\nChannel 1: I guess I\n\nChannel 0: Wow.\n\nChannel 1: guess while it's wet, it's not too cold. It's it's definitely colder when it's clearer,\n\nChannel 0: Yep.\n\nChannel 1: but it's it's getting there. I think we got to twelfth grade today.\n\nChannel 0: Yeah. Wow. Wow. I mean, here on the Gulf Coast, it's done nothing but rain for the past several weeks. And then we had a lovely sunny weekend, and then it's back to raining again now.\n\nSo I kinda feel\n\nChannel 1: Yeah.\n\nChannel 0: your pain. It's just it's\n\nChannel 1: We\n\nChannel 0: just gonna\n\nChannel 1: we were much\n\nChannel 0: stop.\n\nChannel 1: the same. We had a beautiful weekend, actually. Very sunny,\n\nChannel 0: Yeah.\n\nChannel 1: 16 degrees sort of type situation,\n\nChannel 0: Yeah.\n\nChannel 1: but then it's been drizzly on and off showers all all week since then.\n\nChannel 0: Yeah. Wow. Hopefully, we all get some sun soon. It'll be nice to see that sunshine for a bit.\n\nChannel 1: Look. I think we're in the wrong season to be to be wishing that, but, you know,\n\nChannel 0: I\n\nChannel 1: it sounds\n\nChannel 0: know.\n\nChannel 1: always nice.\n\nChannel 0: Absolutely. Just gonna go outside, I think, even just to do some gardening or mow the lawn. I don't mind. It looks like the Amazon at the moment. It's horrible.\n\nChannel 1: Yeah. Yeah. But at least the grass has slowed down. That's the main thing.\n\nChannel 0: That's it. That's\n\nChannel 1: Well,\n\nChannel 0: right.\n\nChannel 1: he's down here anyways.\n\nChannel 0: Yeah. Oh, all good. With regard to the annual review, before we kinda jump into things there, is there anything particular you wanted to ask me or wanted me to sort of touch on as part of the annual review?\n\nChannel 1: I don't think so. I don't know.\n\nChannel 0: No. That's okay. That's not a problem at all. Well, what I'll do, I'm gonna send through an email to you. Are you able to access your emails at the moment?\n\nIf you're not, that's absolutely okay.\n\nChannel 1: Yeah. I am. Yeah.\n\nChannel 0: Yep. Beautiful. I'm sending you an email to you just with a couple of documents attached. It's got your ongoing service agreement for the next twelve months. I've got some attachments in there for you, which contain your superannuation and insurance summary, and it's also got the internal rate of return report there.\n\nSo when that pops through, if you wanted to open those up, I can take you through what your super has been doing.\n\nChannel 1: Yep. Yep. So I've got the first one. There's a signature request.\n\nChannel 0: Yes. So with that one there, you don't have to press that one at the moment. If you I'm just sort of thinking the easiest way. I'm pretty sure you should be able to see some attachments on the front page. If not, you might need to go through to the next screen.\n\nI think if you scroll down, is it showing you the attachments below that?\n\nChannel 1: Oh, yeah. Yeah.\n\nChannel 0: Yep. Beautiful. So one of the attachments should say superannuation summary.\n\nChannel 1: Super and\n\nChannel 0: That's okay.\n\nChannel 1: insurance summary, you decide?\n\nChannel 0: That's the one. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Sorry. We use Odoo now. I'm still sort of learning the system a little bit, but I'm I was pretty sure it showed those attachments below the signature request for you to make it a bit easier. But if you're able to open that attachment there with your super and insurance summary, is that opening up okay for you?\n\nChannel 1: It's just saying that it's downloaded. Where did I find it?\n\nChannel 0: Might take a second. Sorry.\n\nChannel 1: Where would that have gone to? Who knows?\n\nChannel 0: Do you have a downloads folder? Or\n\nChannel 1: Well, I do, but I'm trying to work out where it sent it to if it's maybe there. Not demo. Let me try again. It's starting download and then it's oh, there it is. Hang on.\n\nHang on. Can I just just two seconds?\n\nChannel 0: Yeah.\n\nChannel 1: Sorry, Dana.\n\nChannel 0: Absolutely. You're fine. Not a problem at all.\n\nChannel 1: Sorry. I'm attending with children. One wants to watch something and the other one doesn't want to watch what she wants to watch.\n\nChannel 0: Oh,\n\nChannel 1: And\n\nChannel 0: that's\n\nChannel 1: do you\n\nChannel 0: absolutely\n\nChannel 1: think\n\nChannel 0: fine.\n\nChannel 1: that she can just make up the decision because I'm now not available? Anyway, so sorry.\n\nChannel 0: She's\n\nChannel 1: I've\n\nChannel 0: the\n\nChannel 1: got\n\nChannel 0: boss.\n\nChannel 1: that open.\n\nChannel 0: Excellent. All good. No. Not a problem at all. If anything comes up with the kids and you need me to stop, just let me know straight away.\n\nIt's not an issue at all. Oh,\n\nChannel 1: Yeah. That's\n\nChannel 0: good. Beautiful. So\n\nChannel 1: alright.\n\nChannel 0: with that's alright. So with this one here, it's\n\nChannel 1: Thank\n\nChannel 0: giving you a updated summary as of your super\n\nChannel 1: you.\n\nChannel 0: balance as of the June 4 there, which is when we prepared\n\nChannel 1: Yep.\n\nChannel 0: the documents for you. So having a look at things, I can have give you your balance from last year as well. So your balance as of this time last year was about $59,001.09 3. So 59,193 and 49¢ there. Your balance now is $69,001.46 and 53¢.\n\nWe have seen a really good increase in your super.\n\nChannel 1: Yes.\n\nChannel 0: When I have a really good look at how everything has performed, your super as a net return has provided a 10.21%. That's showing earnings and growth from the portfolio of over $7,417. So your portfolio has been working really well for the year even with the ups and downs we are seeing in the market this year with what's happening between The US and Iran and also\n\nChannel 1: Yeah.\n\nChannel 0: with the high inflation here within Australia, your super has performed really nicely. All the investments are showing a positive return, and the net return that you've received is up over 10.21%. So that's a really good solid result. Really happy with that.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Underneath that, you've also got your insurance policy. So you'll see when we initially recommended the insurances last year, we had recommended about 620,000 to apply for for life and CPD. Now these policies are indexed along with CPI. So the idea is that they do increase over time with the amount that you're able to claim, and that's so it holds its dollar it holds its buying power.\n\nThe idea is we wanna make sure if you had to make a claim, a million dollars now isn't worth a million dollars in five years' time. So we wanna\n\nChannel 1: Not.\n\nChannel 0: make sure that your life and TPD cover holds its buying capacity and increases over time along with CPI. So you'll see your current sum insured of life and TPD is about 651,000. One of the things we sort of talked about with your original goal for your life and TPD was that you wanted to replace your income. So you wanted to replace about sixteen years worth of your income and also have a bit of a buffer with your TBD to make sure that you have an extra 200,000 sitting there for replacement costs or medical expenses or, you know, modifications or any kind of re rehabilitation that was required. So this has definitely\n\nChannel 1: Yep.\n\nChannel 0: increased from where it was if we kind of looked at this. Now income wise, we had you on about 32,000 last year. Are you on about the same, or have you been lucky enough to get a pay rise there at all?\n\nChannel 1: No. Don't even know what I'm sitting on, to be honest.\n\nChannel 0: That's okay.\n\nChannel 1: I mean, I I I should, but I'm trying to think. Did it I mean, it did go up at the start of the year, but, yeah, I'd say about 32 is about right.\n\nChannel 0: About 32. Yeah. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: So if I looked at the $6.51 there and sort of divided that by the income that we have, the 32,000, it essentially means that based on replacing your income, you'd be able to replace that twenty years worth of income currently. So that's that 16,000, but still giving you a bit of a buffer there. With\n\nChannel 1: Yes.\n\nChannel 0: life cover, your super is also paid out on top of that. So it's a $6.51 plus your super balance that gets paid to your beneficiaries. And I'm just making sure that we have the beneficiaries noted correctly\n\nChannel 1: I was about\n\nChannel 0: as well.\n\nChannel 1: to ask I was about to ask that question actually because there was a bit of a mess around with it last year, and it had to be\n\nChannel 0: Yep.\n\nChannel 1: resent out. And then I sent it back, and then someone\n\nChannel 0: Bit of\n\nChannel 1: rang\n\nChannel 0: a trouble\n\nChannel 1: me, and\n\nChannel 0: with the\n\nChannel 1: they\n\nChannel 0: document.\n\nChannel 1: were gonna resend it out to me on a file. And then I don't\n\nChannel 0: Yep.\n\nChannel 1: know that I got that. Now I don't know where it's at.\n\nChannel 0: No. That's okay. So I'm having a look at your super fund. Your beneficiary nomination\n\nChannel 1: Perfect.\n\nChannel 0: You have a binding non lapsing nomination, which means that you don't ever have to fill that format again unless something happened and you wanted to change that nomination. It is applied to pay a 100% of your super to your partner.\n\nChannel 1: Yep.\n\nChannel 0: So that's\n\nChannel 1: Yep.\n\nChannel 0: all exactly as you would like it to be?\n\nChannel 1: Yep. At this stage,\n\nChannel 0: The\n\nChannel 1: the kids are too young to to think about anything like that. So yep.\n\nChannel 0: no. That's absolutely fine. Now having a look at your one pass one, it looks like the beneficiary on your one pass policy isn't quite added. So that must have been the one that we had some issues with there. Would you like me to I can prefill that beneficiary nomination for one pass so that it is all filled out correctly, And\n\nChannel 1: Yes.\n\nChannel 0: then we just send it through to you, and you just have to have it signed and witnessed and just making sure your partner is not one of the witnesses. Does that sound okay if we do it that way to make sure this is applied to your life cover as well?\n\nChannel 1: Yeah. Perfect.\n\nChannel 0: Yep. Fantastic. Now I'm just gonna bring up the beneficiary I have here to make sure that the details are correct. So I've pre filled the form accurately for you because I don't want you to go through the same problem again, and these forms can be a little bit difficult. They are honestly sometimes the bane of our existence.\n\nAnd these super funds and life insurance companies to have these nominations applied, they can be a bit painful. So let's just there we go. Okay. So I've got your partner's name, and everything is fine here. Date of birth should be the seventeenth of the fifth nineteen eighty eight.\n\nIs that right?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. He doesn't note himself down as being a male. I just have to double check that one.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Beautiful. And I'll tick the spouse button there for you. And with your life cover, are you again wanting a 100% to be nominated to him?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Beautiful. I just need to make sure I clarify those details for you so I fill it out as per your instructions there. So\n\nChannel 1: Yep.\n\nChannel 0: what I'll do is I'll pre fill that beneficiary for the life cover for you. I'll have my team send it out. Do you prefer email or post or both? What would be the easiest way to get that document to you?\n\nChannel 1: The email, probably.\n\nChannel 0: Email? Yeah. No. Not a problem at all. So when it comes through, we'll just get you to print a sign it, have two witnesses signed the same time you do.\n\nJust one can't be the person you've nominated as the beneficiary. So if you got two friends or two work colleagues or just someone that's available to sign at the same time you do, and\n\nChannel 1: Yep.\n\nChannel 0: then\n\nChannel 1: Yep.\n\nChannel 0: just scan and send it back or take a photo and send it back to us, and we can have that applied there for you. Okay?\n\nChannel 1: Perfect.\n\nChannel 0: Fantastic. We'll try and make that one nice and easy for you so that all your boxes are ticked. The last thing we want is anything to happen and for your partner to have trouble trying to claim on that one to make it easier on him. So,\n\nChannel 1: Yeah. Yeah. Well, at least he's with you guys as well. So\n\nChannel 0: yeah. Absolutely. He knows where to call. That's perfect.\n\nChannel 1: that's\n\nChannel 0: Excellent. Just having a look. So your life and TPD amounts are pretty well accurate there. They've just increased a little bit. It does also show you on the document there how much you pay for those\n\nChannel 1: right.\n\nChannel 0: out of your super for the year. You've also got your income protection policy there as well. So I'm just sort of double checking with that. It does again go up a little bit with CPI there. Sorry.\n\nMy computer's a little bit slow. We're working on, say, 32,000 as an income amount. Buy that by monthly. So about $1.08. So, realistically, if anything was to happen with income protection, you can be covered for up to 70% of your income there.\n\nYour monthly benefit of about 1,661 pretax is a little bit underinsured from where you are. However, you do also have the super contribution amount. So it does mean that an extra $391 per month would be added into super if you were on a claim there. If anything was to happen and you were on for income protection, would that amount, the $16.61 plus your partner's income, be sufficient for your regular expenses each month, or would you like to maybe look at trying to increase that a bit, or what's your thought?\n\nChannel 1: I guess that's based off what I earn now, isn't it? So\n\nChannel 0: Yeah. It's based off the income that we had when we did the yeah. When we did your your insurance application, it does go up along with CTI. So it is sorta increasing a little bit each year as well with the monthly benefit, but it doesn't always keep up with income or wage growth at the same time. So it's really up to you.\n\nIf you're comfortable just to leave it as is for the moment, that's absolutely fine. We can always come back and review it at any time if you'd like to.\n\nChannel 1: Yeah. I think it's perfectly fine for now. I mean,\n\nChannel 0: Yep.\n\nChannel 1: yeah. It's it's one of those things, isn't it?\n\nChannel 0: It is. It is. Insurance, this is one of those sort of catch 20 twos. You wanna have the right level of cover to protect you if something was to happen, but there's, you know, possibly a one or 2% chance that you are gonna actually claim on them. And the biggest risk is you have the insurance.\n\nIf you pay the premiums and never actually make a claim, and then you get to retirement, don't need them, cancel them, and you've paid all the money for cover you've never claimed on or required. So it's\n\nChannel 1: Yes.\n\nChannel 0: one of those one of those things, really. So you've got your life, your TPD, your income protection at the moment. You're sorta happy to keep those as they are. Lastly, you didn't wanna look at any kind of cover held out of pocket like trauma. Did you wanna kinda revisit those at the moment, or you're happy just\n\nChannel 1: Yeah.\n\nChannel 0: with the cover you have?\n\nChannel 1: I think I'm pretty good with the cover that I've got at the moment.\n\nChannel 0: Yep. Beautiful. I mean, you can cover basically everything, can't you, the types of insurances that are out there? You could be paying a a a phenomenal amount of premiums if we looked at covering absolutely everything. It'd be\n\nChannel 1: That's\n\nChannel 0: insane.\n\nChannel 1: exactly right. Yep. You just gotta cover what you need to and then hope the rest all works out.\n\nChannel 0: Yeah. Yeah. And, look, if anything ever changed and you wanted to revisit those, you don't have to wait till annual review time. We can always have ad hoc conversations at any time throughout the year. If there's something you wanna ask or something that's important to you or you just wanna revisit the insurance or even have questions, just give us a call.\n\nMy team will absolutely make this time for me to give you a call and have a bit of a chat. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. On the note of trauma, now we're not looking at any additional cover for you at the moment, but just so you are aware down the track, if you do wanna look at trauma, you can also get other policies\n\nChannel 1: Yep.\n\nChannel 0: like child trauma, which pays out a lump sum tax free benefit in the event that your child is diagnosed with traumatic illnesses or, you know, diagnoses. So if there's ever anything that you wanted to talk about or look at down the track there with any kind of trauma or child protection trauma, you know, benefit, please let me know. Okay?\n\nChannel 1: Yes.\n\nChannel 0: Fantastic. So that's your super and your insurances. Looking really well. Happy with the return there. All your investments within the super fund are working really nicely.\n\nEverything is up. On that email, you also have the performance report, I believe, called hub twenty four super performance with the date the fourth of the sixth on it. If you wanted to sort of open that one up, you can have a bit of a look at the investments within. And on the second page, it does kinda show you that 10.21% returns. You can see that your super has been working really, really nicely there.\n\nOkay?\n\nChannel 1: I'm just trying to oh, there it is. I was like, I'm trying\n\nChannel 0: There\n\nChannel 1: to\n\nChannel 0: it\n\nChannel 1: open it.\n\nChannel 0: is. That's okay. Now with your investment portfolio, you're invested in more of a growth environment. So as we kinda discussed last year, you generally see that 80% of your super invested in growth assets, like Australian and international equities, property,\n\nChannel 1: Yep.\n\nChannel 0: and also commodities like precious metals and gold and silver there. Your gold is definitely one of your best performers for the year in your super, which has been really, really great to see. With this sort of growth environment there, the returns are expected to be generally between that seven to 9%. So the fact that you've received a 10% return for the year means that your\n\nChannel 1: Yeah.\n\nChannel 0: portfolio has overperformed the expectations. So that's a really good sign.\n\nChannel 1: Perfect.\n\nChannel 0: Yeah.\n\nChannel 1: That's what we\n\nChannel 0: And\n\nChannel 1: like\n\nChannel 0: not\n\nChannel 1: to\n\nChannel 0: to\n\nChannel 1: see.\n\nChannel 0: mention\n\nChannel 1: Something's\n\nChannel 0: yeah.\n\nChannel 1: gotta go positive, doesn't it?\n\nChannel 0: Absolutely. And, look, even when I'm sort of having a look at how everything's been tracking, I tend to you like to use the all ordinaries as a bit of a a benchmark for you because the all ordinaries encompasses essentially most of the market. It focuses on the largest companies, which essentially shows you and is an indicator of how the total market has been performing. When I have a look at your super and how it has been tracking, it has been tracking in line with your ordinaries and been going up and down in the same sort of pattern. So, essentially, you're not tracking against the market.\n\nThere's nothing that needs to really be changed at the moment investment wise.\n\nChannel 1: Yep.\n\nChannel 0: I'd probably just go back and just make sure you still are invested in line with that 20%.\n\nChannel 1: Yep.\n\nChannel 0: So long as everything's fine, there'll be nothing left to do. If I do come back and find that we need to maybe rebalance something, I'll let you know. Is that okay?\n\nChannel 1: Yes. Yep. Perfect.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Keep tracking\n\nChannel 0: Everything\n\nChannel 1: the way that we are.\n\nChannel 0: yeah. Absolutely. And, look, honestly, the biggest point was, I mean, from where you came last year, we did see a bit of a dip around about November last year, but then we saw your your portfolio come back, recover up until about the March 2. And then it's seen a bit more of a dip around that mid to end of March. About the twentieth was the biggest dip we saw.\n\nAnd that was very much in line with what was happening in the market as a whole, with what was happening with The US and Iran. And then from there, your portfolio has come back. You've almost recovered to where you were pre that dip, and then there's just some minor volatility after that. So you're tracking along really, really nicely. It's a good positive start.\n\nAnd one of the things you'll probably notice is when you look at a 10% return with your current balance there, that 10% return as a dollar figure is about 7,417. As your balance in increases, that sort of a return will have a much bigger earnings dollar figure attached to it. So as your balance increases,\n\nChannel 1: Yeah.\n\nChannel 0: smaller\n\nChannel 1: Definitely.\n\nChannel 0: changes\n\nChannel 1: Could you get\n\nChannel 0: to your portfolio make a bigger difference. Yes.\n\nChannel 1: yeah.\n\nChannel 0: So that'll be something to kind of keep tracking, keep looking at as we compound things forward for you. But do you have any questions about your suit for the insurance? Is there anything I've kind of gone through with you at the moment?\n\nChannel 1: I don't think so. I think it looks\n\nChannel 0: No?\n\nChannel 1: like it's all doing what it should be doing, and you guys are doing well with it.\n\nChannel 0: Thank you. Definitely keep trying. Did you want me to do a bit of a catch up in the next sort of three, six months for you just to sort of see how things are tracking in that time frame with the volatility that we are going through at the moment, or did you\n\nChannel 1: Yeah.\n\nChannel 0: want just\n\nChannel 1: That'd\n\nChannel 0: another twelve\n\nChannel 1: that'd\n\nChannel 0: months?\n\nChannel 1: be\n\nChannel 0: Yeah.\n\nChannel 1: good, actually. Yeah.\n\nChannel 0: Absolutely. I'll pop it down there for you. Would you prefer three or six months there, Melinda?\n\nChannel 1: Probably six. Like, I\n\nChannel 0: Six months.\n\nChannel 1: guess six\n\nChannel 0: Yep.\n\nChannel 1: will get us right on Christmas, so a little bit before\n\nChannel 0: Yeah.\n\nChannel 1: six.\n\nChannel 0: Absolutely. No. Not a problem at all. I'll pop that in my calendar then. My team will book you in, give you a call just before that six month mark, and they'll book you in so we can have a bit of a catch up there just ready and in time for the Christmas break for us all.\n\nOkay?\n\nChannel 1: Yeah. Yep. Yep.\n\nChannel 0: Fantastic. I just also wanted to run through and just kind of update any additional details that we might have for you. I've confirmed your income. Last year, when we kinda spoke, you were able to save about $200 per week. What's the expenditure looking like?\n\nAre you still managing to save or put some money away, or is it a bit hard at the moment?\n\nChannel 1: I mean, we are.\n\nChannel 0: Yeah.\n\nChannel 1: We are definitely putting money away. I guess I'm I'm splitting that 200 that we're saving across a few different things.\n\nChannel 0: Mhmm.\n\nChannel 1: So I'm not necessarily putting 200 into lockdown savings. I might be putting, like, 150 into that, and then I'm splitting the other or maybe a little bit extra across a couple of other accounts, you know, like gift accounts or money for us to be able to go and do things with the kids and stuff like that.\n\nChannel 0: Yep. Yep.\n\nChannel 1: But we're definitely putting a little bit away still. I'd like it to be more,\n\nChannel 0: Fantastic.\n\nChannel 1: but, you\n\nChannel 0: Yeah.\n\nChannel 1: know, there's only so much you can do with the way the world is at the moment.\n\nChannel 0: Oh, absolutely. Absolutely. No. Not a problem at all. Fantastic.\n\nLooking at your other assets and liabilities we had here, we had the 2,015 Nissan X Trail.\n\nChannel 1: Mhmm.\n\nChannel 0: Noted asset value was about 16,000 last year. What sort of value would you put on that now if you had to sell the vehicle? What would you want for it? Yeah.\n\nChannel 1: I'll probably keep it at about that, actually. Yeah. I don't think it's really lost any value. I mean,\n\nChannel 0: Yeah.\n\nChannel 1: it probably\n\nChannel 0: Perfect.\n\nChannel 1: has in regards to the Stonewall case, but I don't think it would be losing value, if that makes sense.\n\nChannel 0: Yep. No.\n\nChannel 1: I\n\nChannel 0: That's\n\nChannel 1: think\n\nChannel 0: okay.\n\nChannel 1: it would still be sitting around about that.\n\nChannel 0: Fantastic. Excellent. And I've also got the 2004 Nissan Navara with a an estimated value of 8,500. Would you wanna change or alter that value at all?\n\nChannel 1: No. I think that's pretty good. I mean, if we probably wouldn't get that for it,\n\nChannel 0: Yeah.\n\nChannel 1: it probably would be losing a bit of value now because of its age.\n\nChannel 0: Yeah.\n\nChannel 1: You know, cars have come a long way in that time.\n\nChannel 0: Yeah.\n\nChannel 1: I mean, does it make any difference if I decrease it? What does that do in regards\n\nChannel 0: No.\n\nChannel 1: to anything?\n\nChannel 0: No. Nothing. It's just sort of looking at your overall asset position, you know, your asset and liability position, essentially, just sort of keeping track of what value you bring back to you. But it's also about you know, we're not sort of looking at the expected value of the market as a whole or depreciation cost. It's just if you sort of sold the property or sold that vehicle, what would you wanna get for it?\n\nWhat value is it to you? So you you're welcome to keep it as it is. If you'd like, it's absolutely\n\nChannel 1: Yeah.\n\nChannel 0: fine.\n\nChannel 1: I\n\nChannel 0: Yeah.\n\nChannel 1: mean, look, I mean, I'd like to get that, but we probably it'd be probably a little bit less that we would actually get,\n\nChannel 0: Yeah.\n\nChannel 1: I would think.\n\nChannel 0: Yeah. No. That's okay. Beautiful. All good.\n\nDid you want me just to decrease it down by 500, maybe say 8,000 average?\n\nChannel 1: Yeah. Take a thousand\n\nChannel 0: Sorry.\n\nChannel 1: off it.\n\nChannel 0: Yeah. No worries. And contents there, we had noted a value of about 60,000, and that can be quite difficult to estimate the placement cost of all of your belongings. But would you change the asset value of your contents at all?\n\nChannel 1: I don't think so. We haven't gained anything of significance in\n\nChannel 0: No.\n\nChannel 1: that time. So,\n\nChannel 0: No.\n\nChannel 1: yeah, I don't I don't think so.\n\nChannel 0: That's\n\nChannel 1: I don't\n\nChannel 0: absolutely\n\nChannel 1: know what what\n\nChannel 0: fine.\n\nChannel 1: what what's kind of the average for a family in a three bedroom home. I don't even know.\n\nChannel 0: No. That's okay. Let me have a quick look for you. And just double checking. So three bedroom home, you said, and you guys have got three kids.\n\nChannel 1: Yep.\n\nChannel 0: Family of five. Okay. So average cost. So the average replacement cost are estimated for a family of five in a three bedroom home of typically between a 150 to 200,000. That's fairly\n\nChannel 1: Jesus.\n\nChannel 0: standard. I know.\n\nChannel 1: Yeah. No. Look. I I do not think that we have assets of that\n\nChannel 0: No. That's\n\nChannel 1: value\n\nChannel 0: okay.\n\nChannel 1: within our home. I mean, maybe increase it to 80 just for, you know, the cost of\n\nChannel 0: Yep.\n\nChannel 1: things nowadays, but\n\nChannel 0: Absolutely.\n\nChannel 1: I don't think we need to go that high.\n\nChannel 0: No. That's okay. That's absolutely not a problem at all. Perfect. So I've just updated that for you.\n\nFantastic. And then I've also got down here that you guys are renting. You were were paying about 320 per week. Has your rent increased at all?\n\nChannel 1: It has. Yeah.\n\nChannel 0: It\n\nChannel 1: Yeah. So\n\nChannel 0: has.\n\nChannel 1: we're\n\nChannel 0: What\n\nChannel 1: now\n\nChannel 0: are\n\nChannel 1: paying\n\nChannel 0: we paying\n\nChannel 1: 4\n\nChannel 0: now?\n\nChannel 1: $4.20.\n\nChannel 0: $4.20 per week. Beautiful. Thank you for\n\nChannel 1: Yeah.\n\nChannel 0: updating those.\n\nChannel 1: That's\n\nChannel 0: Any\n\nChannel 1: alright.\n\nChannel 0: new cars, boats, caravans, investments, collections, or anything else of value you wanna note down at all?\n\nChannel 1: Nope.\n\nChannel 0: No? Beautiful. We also had noted that you hadn't done a will and power of attorney last year. I know part of the advice was to speak to a solicitor and have your power of attorney and will complete it. But have you guys thought about doing that or talked about it or had that done in the last twelve months at all?\n\nChannel 1: Thought about it? Yes. Have it done? No.\n\nChannel 0: No. That's\n\nChannel 1: It's\n\nChannel 0: understand.\n\nChannel 1: it's it's hard to think about doing a will when you\n\nChannel 0: Yeah.\n\nChannel 1: don't really think about the fact that we have much to put on it.\n\nChannel 0: Yeah. No. Understandable. Understandable. That's absolutely fine.\n\nIt is still really important to do. I think one of the biggest things to consider when you're doing your estate planning, having a will done up, is taking into account your cars that might have to be sold off, you know, any tools of trade that you guys might have, but also take into account the power of attorney. So if you say, as an example, had a car accident and you were unable to make decisions for yourself, whether it be medical or financial, having a power of attorney in place as part of your overall estate planning means that somebody has direction as to what you want to happen in certain instances or how you want them to act on your behalf. But\n\nChannel 1: Yep.\n\nChannel 0: also because you guys do have kids having a guardianship in place. So if something\n\nChannel 1: Yeah.\n\nChannel 0: happens to the both of you,\n\nChannel 1: That\n\nChannel 0: what do\n\nChannel 1: would\n\nChannel 0: you\n\nChannel 1: be\n\nChannel 0: want\n\nChannel 1: the\n\nChannel 0: to\n\nChannel 1: biggest\n\nChannel 0: happen\n\nChannel 1: thing.\n\nChannel 0: to your kids? Yeah.\n\nChannel 1: Yeah. That would be the biggest thing for me more so than the the financial side of things. And\n\nChannel 0: Yeah.\n\nChannel 1: I know that sounds funny, but, I mean, it feels like to us, you know, we really don't have much to put on the wheel other than the fact of the care for the kids.\n\nChannel 0: Yeah. The other thing is, like, with the will, just the way you kinda can structure it, and this is a bit of an example. I mean, I've got kids to my ex husband as well as kids to my current husband now, and my will was set up so that everything I had would get sold and put into trust so my kids would be receiving income. Also, the person that looked after them, you know, the guardian would receive income to cover school costs and things like that. So the\n\nChannel 1: Yep.\n\nChannel 0: other aspect is being able to sell off your cars, boats, caravans, savings accounts, things like that in the event that something happened and what you want to happen to that money so it's to support your children for longevity. So there's, you know, a lot of things to kinda consider there, but having a really good chat to us, Melissa, can kind of give you guys a little bit more, you know, of an idea of what you want to happen and really kinda make you think about what it is what if something happened to us, and how would we want it structured, and how would we want the kids looked after, and who by? And, you know, if I something happens to me, what do I want to happen? What questions do I want asked? And who do I trust to make those financial and or medical decisions on my behalf?\n\nSo\n\nChannel 1: Yep.\n\nChannel 0: it it can be quite a powerful document, but I still do recommend going, you know,\n\nChannel 1: Yeah.\n\nChannel 0: speak to\n\nChannel 1: That\n\nChannel 0: a\n\nChannel 1: is\n\nChannel 0: solicitor\n\nChannel 1: something that\n\nChannel 0: and\n\nChannel 1: I\n\nChannel 0: have\n\nChannel 1: think\n\nChannel 0: that\n\nChannel 1: about, and it does\n\nChannel 0: Yeah.\n\nChannel 1: sort of it's it lives in the back of my mind if I need to do something\n\nChannel 0: Yeah.\n\nChannel 1: about it, but I haven't actually got anywhere near doing something about\n\nChannel 0: No.\n\nChannel 1: it yet.\n\nChannel 0: That's okay. Did we end up sending through some details on a local solicitor and some costing around the will and power of attorney side of things to you last year at all? Did anyone send that through?\n\nChannel 1: No. No.\n\nChannel 0: No. That's okay. If you like, we can do up a bit of an email with it's more of just a a general information email. It has a costing of one of the local solicitors that we use. It sort of shows you how much it costs to do a will and a power of attorney to start the\n\nChannel 1: Yep.\n\nChannel 0: conversation between you both, and that might sort of give you a bit of a helping hand there. And\n\nChannel 1: Yep.\n\nChannel 0: then, yeah, to start that conversation, then if you do have a local solicitor that you are comfortable talking to, you're welcome to kind of visit them as well and sort of have that conversation and look at how best to structure things outside\n\nChannel 1: Yep.\n\nChannel 0: of your super and your\n\nChannel 1: No.\n\nChannel 0: life\n\nChannel 1: That'd\n\nChannel 0: insurance to protect everything that you've worked so hard for.\n\nChannel 1: be\n\nChannel 0: Yeah. Beautiful. Well, I'll get that email done up for you. It's not a problem at all, but thank you for updating all those details\n\nChannel 1: good.\n\nChannel 0: there.\n\nChannel 1: No worries.\n\nChannel 0: The other thing is looking at your goals as well. So we were tracking forward retirement around about age 65, hoping\n\nChannel 1: Yep.\n\nChannel 0: to draw about a thousand dollars a week. Is that still what we're tracking for with Super?\n\nChannel 1: I guess so. Yeah. Yep. Is\n\nChannel 0: Yeah.\n\nChannel 1: that\n\nChannel 0: That's okay.\n\nChannel 1: you know, I guess it's kind of just the average. I mean, we're not people that live on the extreme scale or anything like that. So\n\nChannel 0: No. That's okay.\n\nChannel 1: I mean, you know, it's always nicer to have more than than what you need, but if we can aim to have enough at that age, that'd be great.\n\nChannel 0: Yeah. Absolutely. And, look, you don't have to wait till age 65. If you decide at 60 you wanna retire, you can let me know. That's absolutely fine, and we'll make sure we update things as we are tracking towards those ages.\n\nChannel 1: The\n\nChannel 0: But\n\nChannel 1: way\n\nChannel 0: as\n\nChannel 1: the\n\nChannel 0: an under\n\nChannel 1: the way\n\nChannel 0: the current\n\nChannel 1: the world's going, it'll be 80 before we're where we retire anyways.\n\nChannel 0: Hopefully not. I want you to enjoy those years. No. All good. Well, I'll keep it at 65 for the moment.\n\nYou\n\nChannel 1: Yep.\n\nChannel 0: still got a lot of time ahead of you. You've only just turned 34, so you've got a lot of time ahead of you before\n\nChannel 1: Yes.\n\nChannel 0: you're able to retire. So\n\nChannel 1: Yes.\n\nChannel 0: a lot of tracking and possibly advice alterations in that time frame that we'll be able to make for you. So beautiful.\n\nChannel 1: Mhmm.\n\nChannel 0: Excellent. Other goals that we have noted down here, we were looking at sorry. Cash flow and budgeting. You just wanted to take some holidays every couple of years. Do you have any holidays planned for this year or not really yet?\n\nChannel 1: Not actually actioned,\n\nChannel 0: Mhmm.\n\nChannel 1: thought about, and, you know, in the back of my head, yes.\n\nChannel 0: Yep. Yep. That's it.\n\nChannel 1: But but not actually actioned as yet.\n\nChannel 0: Yep.\n\nChannel 1: I guess, you know, it it's all dependent on the world around us, isn't it? You\n\nChannel 0: Yeah.\n\nChannel 1: know, we're we're hoping that we can book in something sort of later half of the year.\n\nChannel 0: Yep.\n\nChannel 1: Hubby actually floated the idea of a a longer term use some of his long service leave at some stage, maybe next year.\n\nChannel 0: Nice. Yeah.\n\nChannel 1: Go and do something a little bit longer than just a week here or a week there sort of type situation. But whether that actually comes to fruition, who knows?\n\nChannel 0: Yeah. That that'd be fantastic. That'd make some memories with the kids and get out and\n\nChannel 1: Yeah.\n\nChannel 0: see some things.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: That's right. I sort of said to him that number two needs to be reading and writing a bit better.\n\nChannel 0: Yep.\n\nChannel 1: He's he's only just started kind of this year, so I'm like,\n\nChannel 0: Yep. Wow.\n\nChannel 1: he he needs to be reading better and stuff like that before we can take them out of school for, you know, a few weeks\n\nChannel 0: Yep.\n\nChannel 1: at a time or something.\n\nChannel 0: Yeah.\n\nChannel 1: But probably before our number three goes to school, which is in about three years. So I'm thinking we might do something bigger next year, but\n\nChannel 0: Yeah.\n\nChannel 1: we'll\n\nChannel 0: Yep.\n\nChannel 1: just see how it all plays out because we would also like to buy a house that\n\nChannel 0: Fantastic.\n\nChannel 1: well, whether that's actually achievable in this lifetime, who knows?\n\nChannel 0: Yeah. Absolutely. So purchasing a house on the cards there as well, that is great. We'll pop that down as a medium term goal. I know it can be difficult.\n\nIt's yeah.\n\nChannel 1: It\n\nChannel 0: Every\n\nChannel 1: is\n\nChannel 0: year,\n\nChannel 1: definitely\n\nChannel 0: you're the\n\nChannel 1: a goal.\n\nChannel 0: same.\n\nChannel 1: It's it's it's been an aim and a goal for of ours for about ten years. But, you know,\n\nChannel 0: Yes.\n\nChannel 1: I I often refer to the whole situation that we were standing on the dock and the boat left without us when COVID hit.\n\nChannel 0: Yes.\n\nChannel 1: Because\n\nChannel 0: Yes.\n\nChannel 1: we had our preapproval, we had our deposit, we were ready to go, and then everything went up by a 150 overnight, and\n\nChannel 0: Oh, wow.\n\nChannel 1: it kinda just left us standing there.\n\nChannel 0: Yeah. Wow.\n\nChannel 1: And so it was like we were we we literally got out preapproval in the March,\n\nChannel 0: Yep.\n\nChannel 1: and then the world just went the way that it did. And it's never really recovered. So, you know and life happens. And I very much live on the motto of you can't not do things based on short term inconveniences.\n\nChannel 0: Yeah.\n\nChannel 1: You know,\n\nChannel 0: Yeah.\n\nChannel 1: we wanted to have our family, and we wanted to do things like that. So you can't prolong that just because you wanna do something like buy a house. So,\n\nChannel 0: Yeah.\n\nChannel 1: you\n\nChannel 0: Absolutely.\n\nChannel 1: know, ultimately, I'm now back at work\n\nChannel 0: Yeah.\n\nChannel 1: permanently. We're not\n\nChannel 0: Yeah.\n\nChannel 1: having any more children. So now we can hopefully grow our financials and our life stability a bit better\n\nChannel 0: Yeah.\n\nChannel 1: and hopefully get to a spot where we can buy a\n\nChannel 0: Yeah.\n\nChannel 1: house. And we would also like to invest, but I don't know anything about it, and I find it very overwhelming to just think\n\nChannel 0: Yeah.\n\nChannel 1: about. You\n\nChannel 0: Yeah.\n\nChannel 1: know, we just ultimately wanna have financial stability and have that for our kids as well.\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: But getting there is the challenge.\n\nChannel 0: Absolutely. No. Completely understandable. Well, when you guys are ready to look at investing, we can help you with investment portfolios similar to your super, look at joint structures, and look at ways to invest to build that kind of wealth outside of super. So if that is something that you just wanted to have a joint conversation with me about, we're absolutely happy to help and provide additional advice in those areas for you.\n\nChannel 1: How how does it work?\n\nChannel 0: Yeah.\n\nChannel 1: I just I guess,\n\nChannel 0: Sure.\n\nChannel 1: ultimately, the biggest thing is I don't understand anything about investing. And\n\nChannel 0: Yeah.\n\nChannel 1: the little bits that I do, I I just find very\n\nChannel 0: Go\n\nChannel 1: hard\n\nChannel 0: on me.\n\nChannel 1: to follow and\n\nChannel 0: Yeah.\n\nChannel 1: overwhelming to understand how to get going.\n\nChannel 0: Yeah.\n\nChannel 1: I guess the biggest thing is getting started.\n\nChannel 0: No. Absolutely. It's taking that plunge, and I think that's probably the hardest thing. So what we would sort of wanna see is if you have, you know, saved up a little bit of money, some investment platforms that are comfortable with, you know, 1 or $2,000, whereas others might need a a good deposit of 20 or 30 to make it worthwhile. But we have access to lots of different investment structures like Hub twenty four, like your super, or other investment platforms that require a smaller balance of, say, 1,000 or 2,000.\n\nSo we wanna sort of see what you've got as a deposit or as an initial investment amount, build\n\nChannel 1: Yep.\n\nChannel 0: a portfolio around what your goals are. In as I mentioned in your super, you've got that growth asset allocation of $80.20 split between growth and defensive investments. Whereas we do tend to find when you're investing in your own name outside of super, because you can access that money in the short term, you tend to be a little bit more risk averse. You tend to not wanna take as much risk as what you're comfortable within your super. So we wanna sort of have a look at what both of you feel, you know, do a risk profile questionnaire between the two of you to sort of see how you feel about investing, what you're comfortable with risk wise, and how much return you're looking to achieve.\n\nWe'd also\n\nChannel 1: Yes.\n\nChannel 0: wanna find out the time horizon, how long you're wanting to invest for. I would personally never invest money that you wanna use in the next three to five years. Investing, same as super, is meant to be a long term sort of, project and\n\nChannel 1: Yep.\n\nChannel 0: medium to long term. You wanna invest for five plus years, because investing money for a longer time allows you to compound. One of the biggest, most powerful things we have is compounding. It's when\n\nChannel 1: Yep.\n\nChannel 0: you say put a thousand dollars. If you put a $100 into an investment, it makes you a $100. That $100 is then reinvested, and that $100 makes another $200. And then, like, you know, you reinvest that. So your capital makes interest.\n\nThat interest reinvested compounds and becomes, you know, compounding interest, essentially. So that's where the power of investing comes from. And, realistically,\n\nChannel 1: Yep.\n\nChannel 0: to invest in a a portfolio like in shares or managed funds like your super, we just wanna make sure that you're comfortable investing for about, you know, 5 plus years to get the benefit of doing so. We review them every year. One of the biggest things to sort of take into account is when you're investing in your own name, you actually have to account for income and growth as part of your tax returns. So\n\nChannel 1: That's right.\n\nChannel 0: we do\n\nChannel 1: Yeah. And\n\nChannel 0: have\n\nChannel 1: that's what I said to Diane. I'm like, there's tax implications and all the rest of it. You can't just put money in it, and it just earns more money. It's like there there's other\n\nChannel 0: yeah.\n\nChannel 1: things\n\nChannel 0: Yeah.\n\nChannel 1: that it it comes into play when you start doing things like that. And then\n\nChannel 0: Yeah.\n\nChannel 1: it's also\n\nChannel 0: There\n\nChannel 1: you know,\n\nChannel 0: are.\n\nChannel 1: is it worth us investing before we've bought a house? I don't I don't like, how much do we then have to continue to put in\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: to\n\nChannel 0: And\n\nChannel 1: continue\n\nChannel 0: that's the\n\nChannel 1: growing\n\nChannel 0: other thing.\n\nChannel 1: that?\n\nChannel 0: Absolutely. And, look, the and for the for the most part, investing in most structures, you do have to account the income and your capital gains in your personal tax return. If it's jointly, you you might be 50%. You get discounts and things currently on your tax returns and things like that. You can also claim if you get dividends that are paid out.\n\nIf they're paid out of Australian companies, we get franking credits, which also provide deductions. There's lots of cool fun things that your accountant can do with your investments, but there's also other investment structures like bonds that you invest money in for, say, ten years if you're comfortable investing for that long. And the income of the growth is all sorted and looked after inside that bond. So you actually don't have to account for those every year on your personal tax return. So there are ways to invest in different different structures where it's not gonna affect your personal income tax side of things.\n\nIt's, you know, long long term investing. There's lots of different fun things that we can look at that we can do. It all comes down to what your goals are, and that\n\nChannel 1: Yes.\n\nChannel 0: kinda comes back to the question about whether you invest in a portfolio or buy a house first. It all comes down to what's more important to you. Is it buying that house and having that place for your family to live in your forever home or, you know, your first home to get you out of the rental market? Or are you more comfortable putting a bit of money away and maybe growing wealth to supplement, you know, super down the track or to, you know, put some money away for university for the kids or to just, you know, hopefully retire a bit earlier. It\n\nChannel 1: Is\n\nChannel 0: all\n\nChannel 1: it\n\nChannel 0: just\n\nChannel 1: wrong\n\nChannel 0: comes\n\nChannel 1: to\n\nChannel 0: down\n\nChannel 1: say\n\nChannel 0: to\n\nChannel 1: both?\n\nChannel 0: what your thoughts are. Absolutely not. Absolutely\n\nChannel 1: How do we do\n\nChannel 0: not.\n\nChannel 1: both and make it work?\n\nChannel 0: Absolutely not. The other side of that is if you wanted to do both, we can always look at your budget, look at your budget planner, and sort of work out where your money is going and how you can save for a deposit over here and then also invest over here, how much you would need to put in. Because one of the biggest things is you have that initial deposit for your investment, but then you also do wanna like, you're super with your super contributions, you also do wanna be making regular deposits into your investments. That does help it grow. Investments will only work so far without having additional contributions.\n\nKeep you know, continuously putting capital in is really important as well. So there are ways to do both of those. It just comes down to what your goals are, what's important to you, your time horizon, how much risk you're willing to take on, how long you wanna invest for, and what kind of money you have available to you as well so that we're not over extending and putting money away that you might need to pull out in the short term and, you know, cement losses and things like that. So there's\n\nChannel 1: Yes.\n\nChannel 0: lots of things that we take into account when we are investing, and I'm absolutely happy to have more of a conversation with you both about it, look at what your goals are, look at how we can structure things to benefit you, to build long term wealth, and, you know, hopefully, get you to retire a bit earlier before super accessibility or even to supplement super or even to, you know, be able to use as a deposit in the next ten or so years to buy a house.\n\nChannel 1: Yeah.\n\nChannel 0: So there's\n\nChannel 1: Well,\n\nChannel 0: lots\n\nChannel 1: look,\n\nChannel 0: of\n\nChannel 1: I\n\nChannel 0: different\n\nChannel 1: I'm hoping we'll be in a house before ten years.\n\nChannel 0: Beautiful.\n\nChannel 1: I I would I would like to say a house goal is probably more of a a two to five years. I I I would like to I mean, on the shorter side of that two to five years, probably two\n\nChannel 0: Yeah.\n\nChannel 1: to three, but,\n\nChannel 0: Yeah.\n\nChannel 1: realistically, you know,\n\nChannel 0: Absolutely.\n\nChannel 1: with the world, it's hard to put a shorter time frame on it because it just feels like you're just never getting ahead.\n\nChannel 0: Yeah.\n\nChannel 1: I said to someone the other day, I'm like, how long are you meant to keep on the treadmill of doing the same thing and still not getting anywhere?\n\nChannel 0: Yeah.\n\nChannel 1: And I guess that's where where on the do we invest? Do we buy a house now? Do we what, like, do we get a hubby's dad to help us with buying a house and go guarantor for it? Like, what what someone tell me what\n\nChannel 0: Yeah. Yeah. Absolutely. And, look, I mean, worst case, if you just wanted to look at buying a house, we can also refer you through to a mortgage broker. So we do have lots of different mortgage brokers that we have access to.\n\nMortgage brokers are at no cost for yourself, and they can even just have a look at your borrowing capacity, you know, and see what you might be able to buy, how much of a deposit you have, what the options are at there for you as, you know, a first home buyer, what grants you may have access to, whether you need to have a guarantor. So we can always refer you through to a mortgage broker to have that conversation with them as well, look at borrowing capacity and see, you know, what's available to you, or, you know, do you just hold off for six months and and, you know, put a bit more money away. So there's also that option. And as I mentioned, the mortgage broker is just a referral through. They'll give you a call.\n\nThey're no cost to you. They're paid by the bank. They write the loan through. They get commission for those sorts of things.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: I\n\nChannel 0: oh,\n\nChannel 1: actually did a little bit of work for a mortgage broker.\n\nChannel 0: Oh, nice. Nice.\n\nChannel 1: Yeah. I just did a bit of filing and just distance.\n\nChannel 0: Yeah.\n\nChannel 1: I did it from here. She's based in Melbourne. She's actually she was a partner of\n\nChannel 0: Oh,\n\nChannel 1: a\n\nChannel 0: lovely.\n\nChannel 1: good friend. I don't know if you guys would be connected to her or not, but she's doing amazing things in the the mortgage\n\nChannel 0: Oh,\n\nChannel 1: broking\n\nChannel 0: fantastic.\n\nChannel 1: world. But I guess then when you've got the connection with them, it's kinda like, do you actually wanna go through them?\n\nChannel 0: Yeah. Yeah. Sometimes it's easy to have someone you don't know so personally combing through your financials. Yeah. Absolutely.\n\nNo. Absolutely fine. And, look, it's it's much of a muchness. It's really dependent upon what your preferences are. So, I mean, you guys have a conversation, talk about what is you're after.\n\nIf you want another conversation with me come back, I'm more than happy to do so. If you wanna refer to a mortgage broker, I can organize that nice and easily for you.\n\nChannel 1: I\n\nChannel 0: And\n\nChannel 1: think\n\nChannel 0: if you do\n\nChannel 1: the\n\nChannel 0: wanna\n\nChannel 1: first\n\nChannel 0: get\n\nChannel 1: thing\n\nChannel 0: Bye\n\nChannel 1: I\n\nChannel 0: bye.\n\nChannel 1: don't know if\n\nChannel 0: Yeah.\n\nChannel 1: it's of cost or how it works in regards to having\n\nChannel 0: Yeah.\n\nChannel 1: a chat in regards to, I guess, the financial advising sort of type side of things in whether\n\nChannel 0: Yeah.\n\nChannel 1: we do invest now or later or where we're at sort of type situation\n\nChannel 0: Yeah.\n\nChannel 1: with things like that.\n\nChannel 0: Yep.\n\nChannel 1: How would we go about organizing a chat like that, and what would\n\nChannel 0: Just with\n\nChannel 1: the\n\nChannel 0: myself?\n\nChannel 1: cost of that?\n\nChannel 0: Yes. You guys just let me know what you wanna do. To have a conversation, there's no cost for that whatsoever. If we do build an investment portfolio, we do charge or similar to your sleep, we do charge an ongoing management fee for doing so.\n\nChannel 1: Obviously.\n\nChannel 0: And I'd\n\nChannel 1: Yep.\n\nChannel 0: sort of give you a bit more of an in-depth chat around what that is together there. If you are just looking for, you know, one of piece of advice in relation to, you know, budgeting or savings and things like that and some personal advice documents, we do charge 750 out of pocket for that one. But it it can just be a general conversation if you just want some general advice or even just a strategy paper, noting down just a couple of different options. That's all fully complimentary. So I can do\n\nChannel 1: Okay.\n\nChannel 0: a lot of different things depending on what you're after, what you're comfortable doing. And the first thing is to get a time when the both of you are there together to really talk about what your goals are. I can send you out a budget planner if you like that you can sort of sit down and maybe go through and\n\nChannel 1: Yep.\n\nChannel 0: sort of fill out if you'd like to to kinda get an idea of where the money is going, how much you've got coming in, where it's all kinda being spent to.\n\nChannel 1: Yep.\n\nChannel 0: And then when\n\nChannel 1: I\n\nChannel 0: you're\n\nChannel 1: I\n\nChannel 0: comfortable\n\nChannel 1: I do event\n\nChannel 0: yeah.\n\nChannel 1: I do occasionally go back over the budget. I don't I I have a budget, but I don't\n\nChannel 0: Yep.\n\nChannel 1: necessarily have a rock solid budget that I fill in all the time. Like, I have a\n\nChannel 0: Yep.\n\nChannel 1: budget. I know what comes in. I know what goes out. I know what we're left with,\n\nChannel 0: Yeah.\n\nChannel 1: and I know where that's going. But\n\nChannel 0: Yep.\n\nChannel 1: I guess I probably should review it more often than I do.\n\nChannel 0: Yeah. Absolutely. And, look, when you are when you get booked in and we wanna have conversation with the both of you together, you know, I'll get you to send it to me. We can always go through, have a talk about where the money is going, look at some different options, look at, you know, where you could cut back, where, you know, it might be too hard to cut back. There's lots of different options that we can do, and worst case general advice is completely complimentary.\n\nThere's no charge whatsoever for just me giving some general advice or\n\nChannel 1: Yep.\n\nChannel 0: referral if that's what you need. So there's a lot of different factors that play into what advice we give and how it works best for you. But I think the first thing is just coming back to having that conversation with the both of you, looking at what what your goals are, what you both wanna achieve together. And before we have that conversation, I think I would suggest that the two of you just talk about it. Sort of, you know, go what's important to you, what's important to him.\n\nYou know, do you wanna do both? You know, do you wanna just sort of have that conversation about what your goals are together, what you each wanna achieve, and, you know, sort of come to a bit of a compromise on what's comfortable for you both. And then\n\nChannel 1: Yep.\n\nChannel 0: we'll come back and have more of a conversation around that and look\n\nChannel 1: I think\n\nChannel 0: at everything\n\nChannel 1: we're both\n\nChannel 0: in-depth\n\nChannel 1: fairly\n\nChannel 0: and\n\nChannel 1: well on the same page. We just don't know how to\n\nChannel 0: beautiful.\n\nChannel 1: get there.\n\nChannel 0: No. We can absolutely help you with that. It is not a problem at all. It's what we do as financial advisers. So,\n\nChannel 1: Yeah.\n\nChannel 0: you know, looking forward to helping you meet all those different goals, and I'd love to do a a joint conversation with the both of you and really\n\nChannel 1: Yeah.\n\nChannel 0: not out what you're after, what you want, how we achieve that, and have more of a, you know, a goals chat with you both. That'd be fantastic.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful.\n\nChannel 1: Yep. I'd love to to organize that at some stage in the near future.\n\nChannel 0: Absolutely.\n\nChannel 1: I'll have to just nut out when we can do that when there's no kids around.\n\nChannel 0: Yeah. No. That's absolutely fine. This is not a problem at all. But in the meantime, it looks like at the moment, your sleep is working really well.\n\nThere's\n\nChannel 1: Yeah. Sorry.\n\nChannel 0: no additional\n\nChannel 1: I went a little bit off right off\n\nChannel 0: No.\n\nChannel 1: track there,\n\nChannel 0: You\n\nChannel 1: didn't\n\nChannel 0: are\n\nChannel 1: I?\n\nChannel 0: fine. And, look, honestly, that's what this is for. This is what your annual review is for, looking at how things are going with your super insurances, but, also, is there any other advice that you're after? You know, do you have extra questions or anything else that you might be looking at? So we're here to help in all those areas.\n\nChannel 1: Yep.\n\nChannel 0: So, no, you you can use this time for whatever you want. It's it's your time. I work on your time, so it's fine. But, no, honestly, it is you're sorry. You're right?\n\nChannel 1: No. Yeah. No. That's yeah. All good.\n\nYou were saying sorry. Before I rudely interrupted again.\n\nChannel 0: No. You are absolutely fine, honestly. So, look, with your super, there's no additional advice right now to sort of provide. What I'll do is I'll just go back and just have a look to make sure that your super is allocated correctly within that growth portfolio. If you're still comfortable with that eighty twenty split, I probably\n\nChannel 1: Yep.\n\nChannel 0: just wanna do a really quick risk profile questionnaire with you, which was actually answered most of.\n\nChannel 1: Yep.\n\nChannel 0: The only sort of three questions to sort of gauge there is if you did see, like, a big market difference, say, 20% fall in your portfolio over the next, you know, one, two, or even three years, if you saw something big occur, how do you think you might be feeling? Do you think you'd see it as a buying opportunity? Wanna put some more money into your super, maybe hold and wait and call us? Or do you think you'd be a bit nervous and wanting to sell or cement the losses? How do you think you might be reacting?\n\nChannel 1: I think I'd hold and wait.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: I'd I'd I don't think I would necessarily be throwing more at the sinking ship.\n\nChannel 0: Yep.\n\nChannel 1: But I also don't think I'd be removing\n\nChannel 0: Hold\n\nChannel 1: everything either. I think it would be a a wait and see and discuss\n\nChannel 0: hold\n\nChannel 1: with you\n\nChannel 0: away.\n\nChannel 1: guys, I guess.\n\nChannel 0: Let it come through. Yeah. Absolutely. Perfect. The next question here is how do you consider yourself when you think about the risk versus reward balance?\n\nSo that essentially shows you that in order to get the highest returns, you've gotta be willing to take on more risk in the market. But to take on higher risk and to get the greater returns, you've gotta be understanding that you're gonna see those downtimes. And the more risk\n\nChannel 1: Yep.\n\nChannel 0: you take, the higher the reward, but also the deeper the drops can be when you're feeling them. Do you think you'd be taking on the highest level of risk to get the best returns you can? Do you think you'd be more moderate, conservative, taking a medium amount of risk to get the best returns you can, or do you consider yourself very much a low risk taker, understanding the returns are smaller with that sort of risk?\n\nChannel 1: I would say I'm medium to high\n\nChannel 0: Medium?\n\nChannel 1: in regards to the whole long term investing and all the rest of it. I would say I'm medium to\n\nChannel 0: Yep. In\n\nChannel 1: urging\n\nChannel 0: in between\n\nChannel 1: on to\n\nChannel 0: one\n\nChannel 1: the,\n\nChannel 0: and two? Yeah.\n\nChannel 1: which I think is about\n\nChannel 0: That's\n\nChannel 1: where we're sitting, isn't\n\nChannel 0: fine.\n\nChannel 1: it?\n\nChannel 0: Yeah. Yeah. Absolutely. When you sort of think about the growth portfolio, if you consider the risk level between sort of one to five, one being the lowest risk portfolio, five being a 100% in equities and no defensive investments, you're sort of in between that three to four mark. So one is like\n\nChannel 1: Yes.\n\nChannel 0: a sorry. Five is a 100% invested in equities. That's more of an aggressive portfolio. Four is more of a high growth at ninety ten kind of split of growth versus defensive. And then you're sitting in that sort of 80 to 20 split, and that's kind of just under that high growth environment there.\n\nSo you're\n\nChannel 1: Yes.\n\nChannel 0: not at the highest, not at the lowest, sort of in the middle kind of ground area, which is sort of where I see your comfort level setting.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: The growth portfolio, as I kinda mentioned, we're aiming to try and get a seven to 9% return. It suits someone who has six years before accessing super. You've got well and truly more than that, and we expect negative return kind of one in every five years. So it does sort of suit where you're at time horizon wise. It sounds like your comfort level is quite comfortable in there as well, so I wouldn't wanna change that.\n\nDoes that sound right? Are you happy\n\nChannel 1: Yes.\n\nChannel 0: in\n\nChannel 1: Yeah.\n\nChannel 0: that kind of environment? Yep.\n\nChannel 1: A 100%. Like, as as you're saying, I've got quite a long time before I need to think about retiring.\n\nChannel 0: Yeah.\n\nChannel 1: And I'm at the position that I'm back at work, and I'm willing to take a bit more risk in that regard because, as you said, the whole compound is\n\nChannel 0: Yeah.\n\nChannel 1: our benefit. So kind\n\nChannel 0: Absolutely.\n\nChannel 1: of the more growth I can get in the next ten years, I guess, the better\n\nChannel 0: Yep.\n\nChannel 1: to\n\nChannel 0: Yeah.\n\nChannel 1: be able to grow\n\nChannel 0: Definitely.\n\nChannel 1: that.\n\nChannel 0: Definitely. Perfect. Well, what I'll do, I'll just go back and just make sure that your growth and defensive assets are still in line with that $80.20 split.\n\nChannel 1: Yep.\n\nChannel 0: If there is a a need to rebalance, I'll send a a record of advice out to you. If there's not, I'll just shoot you an email, let you know that we don't need to make any changes right now, and we'll catch up in six months' time.\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: I'll also just make sure we get that email out with the the details of the solicitor's information there for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: And you've got your annual review pack there as well, and that has our financial services guide. It's got those documents that we went through as well. It does also have a lovely index chart for you which shows you market reactions and how different investment classes react and why we invest the way we do and how when we do see a downtime, it's important to hold and wait. At the worst case, some people see it as a buying opportunity and wanna put more money into it. But best case scenario, if you're not willing to do so, just hold and wait.\n\nMarkets do recover. It just depends on how long it takes for them to recover and how much risk you are taking sort of plays into that effect. But\n\nChannel 1: Yep.\n\nChannel 0: all the investments that you're invested in have seen those ups and downs. They've seen DFC\n\nChannel 1: Yeah.\n\nChannel 0: events and COVID events, and they've gone through those, and they've come out and recovered from those. So you can rest assured that you're in good quality investments, and that will make sure that we review those with you regularly and make changes as we need to as well. Does that make\n\nChannel 1: Yep.\n\nChannel 0: sense?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Beautiful. The only other thing on there is the ongoing service agreement. So that is attached for you as well. That when you click on the sign document, that is the one that is gonna ask you to sign. Your\n\nChannel 1: Yep.\n\nChannel 0: ongoing service fee is 1.1%, and that's because yourself and your partner are both clients of ours. So we look after both of you and have a reduced fee for the two of you.\n\nChannel 1: Yep.\n\nChannel 0: That essentially just is deducted at 1.1 on a yearly basis. Now fee is deducted in smaller monthly increments, so it comes out on a monthly basis in smaller amounts. And it fluctuates with the market. So as a percentage based fee, it does go up and down and fluctuate with markets. So when the markets are higher, when you've had this probably 10% return, it means that we are gonna earn a little bit more.\n\nHowever, when\n\nChannel 1: Yep.\n\nChannel 0: the markets take a bit of a dip, your fee will dive with it as well. So about\n\nChannel 1: Yep.\n\nChannel 0: making sure that you're getting those returns as well. Does that make\n\nChannel 1: Yep.\n\nChannel 0: sense?\n\nChannel 1: Yeah. Yep. Definitely.\n\nChannel 0: Beautiful.\n\nChannel 1: And I've\n\nChannel 0: Do you\n\nChannel 1: I've I've\n\nChannel 0: yeah.\n\nChannel 1: I've passed you guys on to a couple of people. So\n\nChannel 0: Fantastic.\n\nChannel 1: I've got a couple other people that I've spoken with that it's amazing how many people have just got super\n\nChannel 0: Yeah. Yep.\n\nChannel 1: that they've done nothing with. And, I mean, I was\n\nChannel 0: Lovely.\n\nChannel 1: one of those. And, you know, as I\n\nChannel 0: Yep.\n\nChannel 1: said, after having kids and that, I was like, you know, I need to do something with it.\n\nChannel 0: Yeah.\n\nChannel 1: And, yeah, it's amazing how many people are just still sitting on their super\n\nChannel 0: Absolutely.\n\nChannel 1: that they've been with for, you know, thirty years, twenty\n\nChannel 0: Yeah.\n\nChannel 1: years.\n\nChannel 0: No. Absolutely. And, look, we do have the referral program as well. So if you do refer us on to anyone and they do come on board as a client, we do send out a $100 gift card to you as well. So\n\nChannel 1: Oh, yes.\n\nChannel 0: just to say\n\nChannel 1: Yep.\n\nChannel 0: thank you for the referral. So if anyone does sign on, we'll make sure we give that to you. So just let them know that, you know, if they do come and give us a call or if if there's someone that just wants us to reach out, you're welcome to let us know, provide them information as long as they've given you permission\n\nChannel 1: Permission.\n\nChannel 0: to do so.\n\nChannel 1: Yep.\n\nChannel 0: And we can always reach out to them and have a conversation, introduce ourselves, and explain what financial advisers do. And, yeah, happy to help anyone that we possibly can. We're pretty honest. We'll always do the research first, and then if we're not able to help, we'll let them know. But, yeah, it's always worth having that conversation and looking at what someone's got and when and if financial advice is appropriate to their circumstances.\n\nSo, no,\n\nChannel 1: Yep.\n\nChannel 0: thank you for that. Really appreciate it.\n\nChannel 1: No. Well, I mean, you guys I I've been impressed with what you guys do. So,\n\nChannel 0: Thank you.\n\nChannel 1: I mean I mean, I'll be honest. I was very skeptical of that\n\nChannel 0: Absolutely\n\nChannel 1: when\n\nChannel 0: understandable.\n\nChannel 1: I I I am very much like that. But then once I'm in, I'm I'm pretty, you know, I'm pretty comfortable. So\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: when Dwayne first changed over, I was a bit skeptical about\n\nChannel 0: Absolutely.\n\nChannel 1: everything, but he did his due diligence and so did I. So,\n\nChannel 0: Yep.\n\nChannel 1: I mean, so far, we're pretty happy. So yeah.\n\nChannel 0: Fantastic. Thank you so much for that. If I was to get my admin team to send out a a link to our website, would you be open to adding a review there for us at all? Well, this is a business sometimes having word-of-mouth and or online reviews is kinda helpful for other people to look us up as well. Would that be something you're comfortable doing?\n\nIf you're not, that's absolutely fine.\n\nChannel 1: Sure. Yep.\n\nChannel 0: Yeah. Beautiful. I'll in the email, I'll add the little link there for you just to sort of pop onto our website. If you're comfortable leaving your review, that'd be fantastic. And, yeah, we just kind of use that.\n\nSo, you know, if anyone's looking us up or looking for an adviser, it's kinda handy to have, you know, clients who are really happy with the services to leave a bit of a review there. So I'd really appreciate it, but, look, I don't wanna hold you to it. So if anything comes up, that's okay. You're busy with three kids too. So but thank you so much.\n\nI'll add the link to the email there for you. Okay.\n\nChannel 1: Yes. No. That's fine.\n\nChannel 0: Oh, fantastic.\n\nChannel 1: The only other question I had in\n\nChannel 0: Yeah.\n\nChannel 1: regards to the whole investing side of things, what's\n\nChannel 0: Sure.\n\nChannel 1: your thoughts or opinions on, like,\n\nChannel 0: Yep.\n\nChannel 1: these micro investing apps?\n\nChannel 0: They're not bad at all. So one of the benefits of the biggest thing with investing in the Australian market is that you have to, on the ASX, we have what's called a chest registration, which means that every share you buy is registered to your name. These micro investing apps essentially pool money with other investors and allow\n\nChannel 1: Yes.\n\nChannel 0: you to buy partial amounts of shares, and there is absolutely nothing wrong with them. They are still investing in the market. You do still receive income and growth. You can buy smaller parcels of shares and partial amounts, which is great. You do still have to make sure you get your your income statements every year to have on your tax return, but there's absolutely nothing wrong with them, and it is a great way to start that out.\n\nSorry. I would just do a bit of due diligence to have a look at what the information is. But if there's one that you're looking at that you're interested in, you're welcome to send it to me. I can have a look at the pros and cons for you, you know, read up on the websites and see what I can find out information wise, but there's absolutely nothing wrong with those sorts of web sites. They are great to start with and allow you to invest with as little as $20 sometimes.\n\nSo\n\nChannel 1: Yeah.\n\nChannel 0: I think they're great for helping people to start off. They're not always anything that you wanna be in for the longer term, but they're a great way to start and to build a investment portfolio from scratch with a smaller amount of money. Nothing\n\nChannel 1: Yeah.\n\nChannel 0: wrong with them\n\nChannel 1: Okay.\n\nChannel 0: at all.\n\nChannel 1: Is there\n\nChannel 0: Yeah.\n\nChannel 1: any that you would recommend?\n\nChannel 0: It really depends. I personally use a couple of different ones. There are like, stake isn't a bad one. It's not so much micro investing for the ASX, so it does micro investing for The US. There are, I believe, spaceships is not bad either.\n\nLet me have a look at the other ones here. Sorry. I'll just pull a few up because\n\nChannel 1: Yeah.\n\nChannel 0: I can't\n\nChannel 1: Because\n\nChannel 0: remember\n\nChannel 1: it says\n\nChannel 0: the name of\n\nChannel 1: raise,\n\nChannel 0: all of them.\n\nChannel 1: there's shares, these\n\nChannel 0: Yeah.\n\nChannel 1: space ships. There's quite a few. I've looked at them as I said. I I have looked into the whole investing side of things, but then I just I I don't know where to start.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: I don't\n\nChannel 0: No.\n\nChannel 1: know\n\nChannel 0: Absolutely.\n\nChannel 1: if it's the right thing to do. I don't know if it's,\n\nChannel 0: Yep. Yeah. So, like, Comsec Pocket is owned by Commonwealth Bank and part\n\nChannel 1: yeah.\n\nChannel 0: of Comsec, and they let you trade with a minimum of $50. They have, from what I can see here, a $2 brokerage fee per trade of up to 1,000, so that's not too bad. And they let you buy smaller parcels. Raise is probably one of the first that came out. They have a minimum of $5 to start.\n\nThey do pay the they charge $3.50 per month for standard accounts. But as long as you're making more than that $3.50, it does work out worthwhile. I've heard good things about spaceship. They don't require any minimum starting balance, I believe. And fees, it says $00 per month for balance is under $100, and then they charge $3 per month for standard portfolios once your balance hits that $100 mark.\n\nThat's actually not bad because they're starting up quite small. And shares, these look like there's another one out there as well. There's no minimum there, and their fee structure is more percentage based. So that one, I'd probably wanna read a bit more about the percentage based there, but I've heard really good things about all of those different micro investing platforms. But in all honesty, there's absolutely nothing wrong with them.\n\nThey're a great way to start with very small amounts of money. And often with some of them, you can even do, like, roundups. So have it linked if you go and buy a coffee and it rounds up to the\n\nChannel 1: Yeah.\n\nChannel 0: nearest whole dollar or nearest $5 to help you invest regularly, which is a good thing too. So,\n\nChannel 1: Yep.\n\nChannel 0: yeah, nothing\n\nChannel 1: Yes.\n\nChannel 0: wrong with them at all. Yeah.\n\nChannel 1: That's alright. I just thought while I was talking to you, I'd ask the question.\n\nChannel 0: That's absolutely. That's what I'm here for. It's not a problem at all.\n\nChannel 1: No worries. Well, was there anything else that you needed to touch on with\n\nChannel 0: No.\n\nChannel 1: me?\n\nChannel 0: That's that's basically everything that we've gone through today. All the other thing is I'll get those beneficiaries sorted out for your one\n\nChannel 1: That's\n\nChannel 0: pass\n\nChannel 1: right.\n\nChannel 0: as well. So we'll pre\n\nChannel 1: Yep.\n\nChannel 0: fill that information out and help you along with that one.\n\nChannel 1: Perfect.\n\nChannel 0: That's everything they've gone through, so feel free to review the annual review documents. If you find there's any questions, let me know, and I'll get those follow-up things sorted for you. Okay?\n\nChannel 1: Perfect. And I'll have a chat with Ryan, and we'll work out when we\n\nChannel 0: Yeah.\n\nChannel 1: might be able to\n\nChannel 0: Absolutely. More than happy to do it anytime. I hope you have a lovely afternoon.\n\nChannel 1: have a chat with yourself. Yes. Well, my afternoon is about to be dinner, baths,\n\nChannel 0: Yep. And bad.\n\nChannel 1: and then all that. All all that sort of stuff.\n\nChannel 0: Absolutely. Well, you\n\nChannel 1: Well, thank\n\nChannel 0: have a\n\nChannel 1: you\n\nChannel 0: lovely\n\nChannel 1: very much.\n\nChannel 0: evening.\n\nChannel 1: Thank\n\nChannel 0: My\n\nChannel 1: you very\n\nChannel 0: pleasure.\n\nChannel 1: much\n\nChannel 0: Thank\n\nChannel 1: for\n\nChannel 0: you\n\nChannel 1: the\n\nChannel 0: so much for your time, Belinda. Anytime at all. I'll talk to you soon. You have a great afternoon. Thank you\n\nChannel 1: call.\n\nChannel 0: for your time.\n\nChannel 1: Sounds good. Thanks, Dana.\n\nChannel 0: Thanks. See you later.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.04,"end":1.54,"sentiment":"neutral","sentiment_score":0.03465697914361954}],"sentiment":"neutral","sentiment_score":0.03465697914361954,"channel":1,"num_words":1,"start":1.04,"end":1.54},{"sentences":[{"text":"Hi, Melinda.","start":2.1599998,"end":2.96,"sentiment":"neutral","sentiment_score":0.15051625669002533},{"text":"This is Dana from Oakey Financial.","start":2.96,"end":4.64,"sentiment":"neutral","sentiment_score":0.18427750219901404},{"text":"How are you this afternoon?","start":4.64,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.24737873375415803}],"sentiment":"neutral","sentiment_score":0.20335316887268653,"channel":0,"num_words":13,"start":2.1599998,"end":5.7799997},{"sentences":[{"text":"I'm good.","start":5.8399997,"end":6.3999996,"sentiment":"positive","sentiment_score":0.5880459547042847},{"text":"Thank you, Dana.","start":6.3999996,"end":7.04,"sentiment":"positive","sentiment_score":0.6689292788505554},{"text":"How are you today?","start":7.04,"end":8.02,"sentiment":"positive","sentiment_score":0.4130546301603317}],"sentiment":"positive","sentiment_score":0.5372331407335069,"channel":1,"num_words":9,"start":5.8399997,"end":8.02},{"sentences":[{"text":"I'm very well.","start":8.0,"end":9.2,"sentiment":"positive","sentiment_score":0.6032418608665466},{"text":"Thank you.","start":9.2,"end":9.599999,"sentiment":"positive","sentiment_score":0.6643235981464386},{"text":"Thanks for asking.","start":9.599999,"end":10.559999,"sentiment":"positive","sentiment_score":0.63489298025767},{"text":"I had you booked in to go through your annual review.","start":10.559999,"end":12.719999,"sentiment":"neutral","sentiment_score":0.2898088652979244},{"text":"Is now still a good time there for you?","start":12.719999,"end":14.805,"sentiment":"neutral","sentiment_score":0.27195389072100323}],"sentiment":"positive","sentiment_score":0.3813762233725616,"channel":0,"num_words":28,"start":8.0,"end":14.805},{"sentences":[{"text":"Yeah.","start":15.035,"end":15.435,"sentiment":"neutral","sentiment_score":0.04495367780327797},{"text":"Yeah.","start":15.435,"end":15.835,"sentiment":"neutral","sentiment_score":0.021226827055215836},{"text":"Long time when I speak.","start":15.835,"end":17.055,"sentiment":"neutral","sentiment_score":-0.007030396722257137}],"sentiment":"neutral","sentiment_score":0.004432645892458302,"channel":1,"num_words":7,"start":15.035,"end":17.055},{"sentences":[{"text":"That's right.","start":17.525,"end":18.245,"sentiment":"neutral","sentiment_score":0.043256672099232674},{"text":"It's been a year.","start":18.245,"end":19.285,"sentiment":"neutral","sentiment_score":-0.004792004823684692},{"text":"Wow.","start":19.285,"end":19.785,"sentiment":"neutral","sentiment_score":-0.07830286026000977}],"sentiment":"neutral","sentiment_score":-0.001565362193754741,"channel":0,"num_words":7,"start":17.525,"end":19.785},{"sentences":[{"text":"It's gone so fast, but also it feels like a very long time.","start":21.195,"end":24.255001,"sentiment":"neutral","sentiment_score":-0.26199241326405454}],"sentiment":"neutral","sentiment_score":-0.26199241326405454,"channel":1,"num_words":13,"start":21.195,"end":24.255001},{"sentences":[{"text":"I know.","start":24.645,"end":25.445,"sentiment":"neutral","sentiment_score":-0.12062407284975052},{"text":"I know.","start":25.445,"end":25.845001,"sentiment":"neutral","sentiment_score":-0.08464038744568825},{"text":"It's funny.","start":25.845001,"end":26.485,"sentiment":"neutral","sentiment_score":-0.07771674171090126},{"text":"The older we get, the faster years go, but then some weeks, they just drag on.","start":26.485,"end":30.859999,"sentiment":"neutral","sentiment_score":-0.11790625378489494}],"sentiment":"neutral","sentiment_score":-0.11147556657140906,"channel":0,"num_words":22,"start":24.645,"end":30.859999},{"sentences":[{"text":"Yes.","start":31.51,"end":31.990002,"sentiment":"neutral","sentiment_score":0.038590338081121445},{"text":"Yes.","start":31.990002,"end":32.23,"sentiment":"neutral","sentiment_score":0.05260603129863739},{"text":"Like a short one.","start":32.23,"end":33.37,"sentiment":"neutral","sentiment_score":0.06301806960254908}],"sentiment":"neutral","sentiment_score":0.05721144129832586,"channel":1,"num_words":6,"start":31.51,"end":33.37},{"sentences":[{"text":"Absolutely.","start":34.28,"end":34.78,"sentiment":"positive","sentiment_score":0.3352721035480499},{"text":"All good.","start":35.96,"end":36.76,"sentiment":"positive","sentiment_score":0.4146755486726761},{"text":"Look.","start":36.76,"end":37.0,"sentiment":"neutral","sentiment_score":0.18975096940994263},{"text":"Before we jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":37.0,"end":41.239998,"sentiment":"neutral","sentiment_score":0.08319822858486857},{"text":"Are you happy for me to proceed with that?","start":41.239998,"end":43.335,"sentiment":"neutral","sentiment_score":0.16469545496834648}],"sentiment":"neutral","sentiment_score":0.13481753133237362,"channel":0,"num_words":34,"start":34.28,"end":43.335},{"sentences":[{"text":"Sure.","start":43.59,"end":44.09,"sentiment":"neutral","sentiment_score":0.26166635751724243}],"sentiment":"neutral","sentiment_score":0.26166635751724243,"channel":1,"num_words":1,"start":43.59,"end":44.09},{"sentences":[{"text":"Fantastic.","start":45.094997,"end":45.594997,"sentiment":"positive","sentiment_score":0.4877563714981079},{"text":"And just to do security there with you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file.","start":46.375,"end":52.155,"sentiment":"neutral","sentiment_score":0.20626381735006968}],"sentiment":"neutral","sentiment_score":0.21534422232258704,"channel":0,"num_words":31,"start":45.094997,"end":52.155},{"sentences":[{"text":"Melinda Joy Cook, thirtieth of the first","start":52.925003,"end":54.925003,"sentiment":"neutral","sentiment_score":0.04567907750606537}],"sentiment":"neutral","sentiment_score":0.04567907750606537,"channel":1,"num_words":7,"start":52.925003,"end":54.925003},{"sentences":[{"text":"Yes.","start":54.535,"end":55.035,"sentiment":"neutral","sentiment_score":0.03162425756454468}],"sentiment":"neutral","sentiment_score":0.03162425756454468,"channel":0,"num_words":1,"start":54.535,"end":55.035},{"sentences":[{"text":"1992.","start":54.925003,"end":56.045002,"sentiment":"neutral","sentiment_score":0.025277165696024895},{"text":"500","start":56.045002,"end":56.605003,"sentiment":"neutral","sentiment_score":0.023230066522955894}],"sentiment":"neutral","sentiment_score":0.024253616109490395,"channel":1,"num_words":2,"start":54.925003,"end":56.605003},{"sentences":[{"text":"That's","start":56.55,"end":56.789997,"sentiment":"neutral","sentiment_score":0.044645585119724274}],"sentiment":"neutral","sentiment_score":0.044645585119724274,"channel":0,"num_words":1,"start":56.55,"end":56.789997},{"sentences":[{"text":"and 70","start":56.605003,"end":57.085003,"sentiment":"neutral","sentiment_score":0.0382690355181694}],"sentiment":"neutral","sentiment_score":0.0382690355181694,"channel":1,"num_words":2,"start":56.605003,"end":57.085003},{"sentences":[{"text":"fine.","start":56.789997,"end":57.289997,"sentiment":"neutral","sentiment_score":0.04554616659879685}],"sentiment":"neutral","sentiment_score":0.04554616659879685,"channel":0,"num_words":1,"start":56.789997,"end":57.289997},{"sentences":[{"text":"Regina Avenue, North, Albany, South 3640.","start":57.085003,"end":59.985,"sentiment":"neutral","sentiment_score":0.036522422917187214}],"sentiment":"neutral","sentiment_score":0.036522422917187214,"channel":1,"num_words":6,"start":57.085003,"end":59.985},{"sentences":[{"text":"Beautiful.","start":60.149998,"end":60.649998,"sentiment":"positive","sentiment_score":0.46792322397232056},{"text":"Thank you so much for that.","start":60.789997,"end":62.07,"sentiment":"positive","sentiment_score":0.47072649002075195},{"text":"How cold is it down there at the moment?","start":62.07,"end":64.09,"sentiment":"neutral","sentiment_score":-0.030617495791779623}],"sentiment":"neutral","sentiment_score":0.18854529387317598,"channel":0,"num_words":16,"start":60.149998,"end":64.09},{"sentences":[{"text":"It's been cold.","start":64.98,"end":66.1,"sentiment":"neutral","sentiment_score":-0.11691694955031078},{"text":"It's been wet, actually.","start":66.1,"end":67.4,"sentiment":"neutral","sentiment_score":-0.13573228754103184}],"sentiment":"neutral","sentiment_score":-0.12766857125929423,"channel":1,"num_words":7,"start":64.98,"end":67.4},{"sentences":[{"text":"Oh, really?","start":68.244995,"end":68.825,"sentiment":"neutral","sentiment_score":-0.031620852649211884}],"sentiment":"neutral","sentiment_score":-0.031620852649211884,"channel":0,"num_words":2,"start":68.244995,"end":68.825},{"sentences":[{"text":"I guess I","start":68.5,"end":69.38,"sentiment":"neutral","sentiment_score":-0.028550644715627033}],"sentiment":"neutral","sentiment_score":-0.028550644715627033,"channel":1,"num_words":3,"start":68.5,"end":69.38},{"sentences":[{"text":"Wow.","start":69.365,"end":69.865,"sentiment":"neutral","sentiment_score":-0.023808550089597705}],"sentiment":"neutral","sentiment_score":-0.023808550089597705,"channel":0,"num_words":1,"start":69.365,"end":69.865},{"sentences":[{"text":"guess while it's wet, it's not too cold.","start":69.38,"end":71.8,"sentiment":"neutral","sentiment_score":-0.04839084902778268},{"text":"It's it's definitely colder when it's clearer,","start":72.979996,"end":75.24,"sentiment":"neutral","sentiment_score":-0.04871853653873716}],"sentiment":"neutral","sentiment_score":-0.048543769866228104,"channel":1,"num_words":15,"start":69.38,"end":75.24},{"sentences":[{"text":"Yep.","start":76.005,"end":76.505,"sentiment":"neutral","sentiment_score":-0.004805827047675848}],"sentiment":"neutral","sentiment_score":-0.004805827047675848,"channel":0,"num_words":1,"start":76.005,"end":76.505},{"sentences":[{"text":"but it's it's getting there.","start":76.905,"end":78.024994,"sentiment":"neutral","sentiment_score":-0.02130587063729763},{"text":"I think we got to twelfth grade today.","start":78.024994,"end":79.80499,"sentiment":"neutral","sentiment_score":0.024211524054408073}],"sentiment":"neutral","sentiment_score":0.0067048337883674185,"channel":1,"num_words":13,"start":76.905,"end":79.80499},{"sentences":[{"text":"Yeah.","start":80.34,"end":80.82,"sentiment":"neutral","sentiment_score":0.021838903427124023},{"text":"Wow.","start":80.82,"end":81.32,"sentiment":"neutral","sentiment_score":0.033188920468091965},{"text":"Wow.","start":81.38,"end":81.86,"sentiment":"neutral","sentiment_score":0.024345405399799347},{"text":"I mean, here on the Gulf Coast, it's done nothing but rain for the past several weeks.","start":81.86,"end":84.979996,"sentiment":"neutral","sentiment_score":-0.025094895021003837},{"text":"And then we had a lovely sunny weekend, and then it's back to raining again now.","start":84.979996,"end":89.06,"sentiment":"neutral","sentiment_score":0.027523830765858293}],"sentiment":"neutral","sentiment_score":0.0025872585053245225,"channel":0,"num_words":36,"start":80.34,"end":89.06},{"sentences":[{"text":"So I kinda feel","start":89.06,"end":89.78,"sentiment":"neutral","sentiment_score":-0.0759422043338418}],"sentiment":"neutral","sentiment_score":-0.0759422043338418,"channel":0,"num_words":4,"start":89.06,"end":89.78},{"sentences":[{"text":"Yeah.","start":89.704994,"end":90.204994,"sentiment":"neutral","sentiment_score":-0.12485726922750472}],"sentiment":"neutral","sentiment_score":-0.12485726922750472,"channel":1,"num_words":1,"start":89.704994,"end":90.204994},{"sentences":[{"text":"your pain.","start":89.78,"end":90.18,"sentiment":"neutral","sentiment_score":-0.32832595705986023},{"text":"It's just 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off showers all all week since then.","start":98.7,"end":102.96,"sentiment":"neutral","sentiment_score":-0.09137576179844993}],"sentiment":"neutral","sentiment_score":-0.09137576179844993,"channel":1,"num_words":14,"start":98.7,"end":102.96},{"sentences":[{"text":"Yeah.","start":103.365,"end":103.865,"sentiment":"neutral","sentiment_score":0.12082988023757936},{"text":"Wow.","start":104.005005,"end":104.405,"sentiment":"positive","sentiment_score":0.33622750639915466},{"text":"Hopefully, we all get some sun soon.","start":104.405,"end":106.085,"sentiment":"positive","sentiment_score":0.417607171194894},{"text":"It'll be nice to see that sunshine for a 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that's alright.","start":347.54,"end":348.75998,"sentiment":"neutral","sentiment_score":0.21496817966302237},{"text":"So with this one here, it's","start":348.82,"end":349.78,"sentiment":"neutral","sentiment_score":0.1902726540962855}],"sentiment":"neutral","sentiment_score":0.19850449595186445,"channel":0,"num_words":9,"start":347.54,"end":349.78},{"sentences":[{"text":"Thank","start":349.761,"end":350.261,"sentiment":"positive","sentiment_score":0.5052860379219055}],"sentiment":"positive","sentiment_score":0.5052860379219055,"channel":1,"num_words":1,"start":349.761,"end":350.261},{"sentences":[{"text":"giving you a updated summary as of your 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documents for you.","start":354.74,"end":355.78,"sentiment":"neutral","sentiment_score":0.21053455024957657},{"text":"So having a look at things, I can have give you your balance from last year as well.","start":355.78,"end":360.545,"sentiment":"neutral","sentiment_score":0.1982010763345493},{"text":"So your balance as of this time last year was about $59,001.09 3.","start":360.545,"end":365.98502,"sentiment":"neutral","sentiment_score":0.024130036338017538},{"text":"So 59,193 and 49¢ there.","start":365.98502,"end":369.66,"sentiment":"neutral","sentiment_score":0.019418939482420683},{"text":"Your balance now is $69,001.46 and 53¢.","start":370.14,"end":373.82,"sentiment":"neutral","sentiment_score":0.043366306771834694}],"sentiment":"neutral","sentiment_score":0.1124738143550025,"channel":0,"num_words":47,"start":354.74,"end":373.82},{"sentences":[{"text":"We have seen a really good increase in your 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happening between The US and Iran and also","start":389.355,"end":399.11,"sentiment":"neutral","sentiment_score":0.27841730234878403}],"sentiment":"positive","sentiment_score":0.3493837084730758,"channel":0,"num_words":68,"start":376.94,"end":399.11},{"sentences":[{"text":"Yeah.","start":399.015,"end":399.515,"sentiment":"positive","sentiment_score":0.3629690706729889}],"sentiment":"positive","sentiment_score":0.3629690706729889,"channel":1,"num_words":1,"start":399.015,"end":399.515},{"sentences":[{"text":"with the high inflation here within Australia, your super has performed really nicely.","start":399.11,"end":403.53,"sentiment":"positive","sentiment_score":0.5309140475896689},{"text":"All the investments are showing a positive return, and the net return that you've received is up over 10.21%.","start":403.59,"end":410.49,"sentiment":"positive","sentiment_score":0.660343880716123},{"text":"So that's a really good solid 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don't","start":567.54504,"end":568.185,"sentiment":"neutral","sentiment_score":-0.13425122015178204}],"sentiment":"neutral","sentiment_score":-0.13440417232257978,"channel":1,"num_words":14,"start":563.11,"end":568.185},{"sentences":[{"text":"Yep.","start":567.97003,"end":568.47003,"sentiment":"neutral","sentiment_score":-0.16961006820201874}],"sentiment":"neutral","sentiment_score":-0.16961006820201874,"channel":0,"num_words":1,"start":567.97003,"end":568.47003},{"sentences":[{"text":"know that I got that.","start":568.185,"end":569.465,"sentiment":"neutral","sentiment_score":-0.187741282582283},{"text":"Now I don't know where it's at.","start":569.465,"end":571.16504,"sentiment":"neutral","sentiment_score":-0.19950366658823832}],"sentiment":"neutral","sentiment_score":-0.1946026732524236,"channel":1,"num_words":12,"start":568.185,"end":571.16504},{"sentences":[{"text":"No.","start":571.57,"end":571.81,"sentiment":"neutral","sentiment_score":-0.11264169216156006},{"text":"That's 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stage,","start":594.025,"end":594.825,"sentiment":"neutral","sentiment_score":-0.1288679838180542}],"sentiment":"neutral","sentiment_score":-0.09870381560176611,"channel":1,"num_words":4,"start":593.865,"end":594.825},{"sentences":[{"text":"The","start":594.8,"end":595.3,"sentiment":"neutral","sentiment_score":-0.26963552832603455}],"sentiment":"neutral","sentiment_score":-0.26963552832603455,"channel":0,"num_words":1,"start":594.8,"end":595.3},{"sentences":[{"text":"the kids are too young to to think about anything like that.","start":594.825,"end":600.265,"sentiment":"neutral","sentiment_score":-0.2848450082043807},{"text":"So yep.","start":600.265,"end":601.255,"sentiment":"neutral","sentiment_score":-0.03299654368311167}],"sentiment":"neutral","sentiment_score":-0.24886665612991368,"channel":1,"num_words":14,"start":594.825,"end":601.255},{"sentences":[{"text":"no.","start":600.8,"end":601.04,"sentiment":"neutral","sentiment_score":-0.05620685964822769},{"text":"That's absolutely fine.","start":601.04,"end":602.39996,"sentiment":"neutral","sentiment_score":0.1071271908779939},{"text":"Now having a look at your one pass one, it looks like the beneficiary on your one pass policy isn't quite added.","start":602.39996,"end":609.125,"sentiment":"neutral","sentiment_score":-0.018687547438523987},{"text":"So that must have been the one that we had some issues with there.","start":609.125,"end":612.185,"sentiment":"neutral","sentiment_score":-0.023268253675528934},{"text":"Would you like me to I can prefill that beneficiary nomination for one pass so that it is all filled out correctly, And","start":612.325,"end":620.66,"sentiment":"neutral","sentiment_score":0.034225225772546684}],"sentiment":"neutral","sentiment_score":0.005007512867450714,"channel":0,"num_words":63,"start":600.8,"end":620.66},{"sentences":[{"text":"Yes.","start":620.60004,"end":620.865,"sentiment":"neutral","sentiment_score":0.03286970034241676}],"sentiment":"neutral","sentiment_score":0.03286970034241676,"channel":1,"num_words":1,"start":620.60004,"end":620.865},{"sentences":[{"text":"then we just send it through to you, and you just have to have it signed and witnessed and just making sure your partner is not one of the witnesses.","start":620.66,"end":627.13995,"sentiment":"neutral","sentiment_score":0.04329850639527043},{"text":"Does that sound okay if we do it that way to make sure this is applied to your life cover as well?","start":627.13995,"end":631.8,"sentiment":"neutral","sentiment_score":0.07274670560251582}],"sentiment":"neutral","sentiment_score":0.0557573599060281,"channel":0,"num_words":52,"start":620.66,"end":631.8},{"sentences":[{"text":"Yeah.","start":631.90497,"end":632.385,"sentiment":"neutral","sentiment_score":0.12008421123027802},{"text":"Perfect.","start":632.385,"end":632.88,"sentiment":"neutral","sentiment_score":0.2851284146308899}],"sentiment":"neutral","sentiment_score":0.20260631293058395,"channel":1,"num_words":2,"start":631.90497,"end":632.88},{"sentences":[{"text":"Yep.","start":633.075,"end":633.575,"sentiment":"neutral","sentiment_score":0.2283037155866623},{"text":"Fantastic.","start":633.795,"end":634.295,"sentiment":"positive","sentiment_score":0.5382106304168701},{"text":"Now I'm just gonna bring up the beneficiary I have here to make sure that the details are correct.","start":634.675,"end":639.395,"sentiment":"neutral","sentiment_score":0.1795820515406759},{"text":"So I've pre filled the form accurately for you because I don't want you to go through the same problem again, and these forms can be a little bit difficult.","start":639.395,"end":646.935,"sentiment":"neutral","sentiment_score":-0.0254006065428257},{"text":"They are honestly sometimes the bane of our existence.","start":649.80005,"end":652.52,"sentiment":"neutral","sentiment_score":-0.2737194399038951}],"sentiment":"neutral","sentiment_score":0.01588466949760914,"channel":0,"num_words":60,"start":633.075,"end":652.52},{"sentences":[{"text":"And these super funds and life insurance companies to have these nominations applied, they can be a bit painful.","start":652.52,"end":658.06,"sentiment":"neutral","sentiment_score":-0.20311218108001508},{"text":"So let's just there we go.","start":659.24005,"end":663.02,"sentiment":"neutral","sentiment_score":-0.017938613270719845},{"text":"Okay.","start":664.955,"end":665.455,"sentiment":"neutral","sentiment_score":0.018452944234013557},{"text":"So I've got your partner's name, and everything is fine here.","start":665.755,"end":670.335,"sentiment":"neutral","sentiment_score":0.04669674943116578},{"text":"Date of birth should be the seventeenth of the fifth nineteen eighty eight.","start":670.635,"end":673.995,"sentiment":"neutral","sentiment_score":0.028161822316738274}],"sentiment":"neutral","sentiment_score":-0.06137084484100342,"channel":0,"num_words":50,"start":652.52,"end":673.995},{"sentences":[{"text":"Is that right?","start":673.995,"end":674.895,"sentiment":"neutral","sentiment_score":0.04218831161657969}],"sentiment":"neutral","sentiment_score":0.04218831161657969,"channel":0,"num_words":3,"start":673.995,"end":674.895},{"sentences":[{"text":"Yep.","start":674.995,"end":675.495,"sentiment":"neutral","sentiment_score":0.07091789692640305}],"sentiment":"neutral","sentiment_score":0.07091789692640305,"channel":1,"num_words":1,"start":674.995,"end":675.495},{"sentences":[{"text":"Fantastic.","start":676.17004,"end":676.67004,"sentiment":"positive","sentiment_score":0.3419250249862671},{"text":"He doesn't note himself down as being a male.","start":677.13,"end":680.57,"sentiment":"neutral","sentiment_score":0.02600782447391086},{"text":"I just have to double check that one.","start":680.57,"end":682.35004,"sentiment":"neutral","sentiment_score":0.04020206583663821}],"sentiment":"neutral","sentiment_score":0.04986733177469836,"channel":0,"num_words":18,"start":676.17004,"end":682.35004},{"sentences":[{"text":"Yes.","start":682.675,"end":683.16,"sentiment":"neutral","sentiment_score":0.08611316978931427}],"sentiment":"neutral","sentiment_score":0.08611316978931427,"channel":1,"num_words":1,"start":682.675,"end":683.16},{"sentences":[{"text":"Yeah.","start":683.69,"end":683.93,"sentiment":"neutral","sentiment_score":0.15669727325439453},{"text":"Beautiful.","start":683.93,"end":684.43,"sentiment":"positive","sentiment_score":0.3562968075275421},{"text":"And I'll tick the spouse button there for you.","start":684.49005,"end":686.73004,"sentiment":"neutral","sentiment_score":0.176089845597744},{"text":"And with your life cover, are you again wanting a 100% to be nominated to him?","start":686.73004,"end":691.185,"sentiment":"neutral","sentiment_score":0.10219077160581946}],"sentiment":"neutral","sentiment_score":0.1382538902538794,"channel":0,"num_words":27,"start":683.69,"end":691.185},{"sentences":[{"text":"Yeah.","start":692.51996,"end":693.01996,"sentiment":"neutral","sentiment_score":0.0584610216319561},{"text":"Yeah.","start":693.07996,"end":693.57996,"sentiment":"neutral","sentiment_score":0.08074180781841278}],"sentiment":"neutral","sentiment_score":0.06960141472518444,"channel":1,"num_words":2,"start":692.51996,"end":693.57996},{"sentences":[{"text":"Yep.","start":693.665,"end":694.145,"sentiment":"neutral","sentiment_score":0.1328115314245224},{"text":"Beautiful.","start":694.145,"end":694.645,"sentiment":"neutral","sentiment_score":0.3251953423023224},{"text":"I just need to make sure I clarify those details for you so I fill it out as per your instructions there.","start":694.705,"end":700.245,"sentiment":"neutral","sentiment_score":0.11235361106016419},{"text":"So","start":700.625,"end":700.785,"sentiment":"neutral","sentiment_score":0.08110551536083221}],"sentiment":"neutral","sentiment_score":0.12043567329645156,"channel":0,"num_words":25,"start":693.665,"end":700.785},{"sentences":[{"text":"Yep.","start":700.695,"end":701.195,"sentiment":"neutral","sentiment_score":0.08499406278133392}],"sentiment":"neutral","sentiment_score":0.08499406278133392,"channel":1,"num_words":1,"start":700.695,"end":701.195},{"sentences":[{"text":"what I'll do is I'll pre fill that beneficiary for the life cover for you.","start":700.785,"end":704.385,"sentiment":"neutral","sentiment_score":0.10443632553021114},{"text":"I'll have my team send it out.","start":704.385,"end":706.17,"sentiment":"neutral","sentiment_score":0.08106821668999535},{"text":"Do you prefer email or post or both?","start":706.64996,"end":709.37,"sentiment":"neutral","sentiment_score":0.025982555467635393},{"text":"What would be the easiest way to get that document to you?","start":709.37,"end":712.35,"sentiment":"neutral","sentiment_score":0.04859799984842539}],"sentiment":"neutral","sentiment_score":0.069644258135841,"channel":0,"num_words":42,"start":700.785,"end":712.35},{"sentences":[{"text":"The email, probably.","start":712.55,"end":713.61,"sentiment":"neutral","sentiment_score":0.006405596621334553}],"sentiment":"neutral","sentiment_score":0.006405596621334553,"channel":1,"num_words":3,"start":712.55,"end":713.61},{"sentences":[{"text":"Email?","start":714.25,"end":714.75,"sentiment":"neutral","sentiment_score":0.008520197123289108},{"text":"Yeah.","start":714.81,"end":715.05,"sentiment":"neutral","sentiment_score":0.05178748816251755},{"text":"No.","start":715.05,"end":715.29,"sentiment":"neutral","sentiment_score":0.08603256940841675},{"text":"Not a problem at all.","start":715.29,"end":716.57,"sentiment":"neutral","sentiment_score":0.14098285734653473},{"text":"So when it comes through, we'll just get you to print a sign it, have two witnesses signed the same time you do.","start":716.57,"end":722.295,"sentiment":"neutral","sentiment_score":0.09089713316896687}],"sentiment":"neutral","sentiment_score":0.09489963239719791,"channel":0,"num_words":31,"start":714.25,"end":722.295},{"sentences":[{"text":"Just one can't be the person you've nominated as the beneficiary.","start":722.295,"end":725.035,"sentiment":"neutral","sentiment_score":-0.027390294284983116},{"text":"So if you got two friends or two work colleagues or just someone that's available to sign at the same time you do, and","start":725.575,"end":731.33496,"sentiment":"neutral","sentiment_score":0.050953904865309596}],"sentiment":"neutral","sentiment_score":0.026331442275217602,"channel":0,"num_words":35,"start":722.295,"end":731.33496},{"sentences":[{"text":"Yep.","start":731.205,"end":731.445,"sentiment":"neutral","sentiment_score":0.0640745609998703}],"sentiment":"neutral","sentiment_score":0.0640745609998703,"channel":1,"num_words":1,"start":731.205,"end":731.445},{"sentences":[{"text":"then","start":731.33496,"end":731.495,"sentiment":"neutral","sentiment_score":0.0789913684129715}],"sentiment":"neutral","sentiment_score":0.0789913684129715,"channel":0,"num_words":1,"start":731.33496,"end":731.495},{"sentences":[{"text":"Yep.","start":731.445,"end":731.82,"sentiment":"neutral","sentiment_score":0.07069461047649384}],"sentiment":"neutral","sentiment_score":0.07069461047649384,"channel":1,"num_words":1,"start":731.445,"end":731.82},{"sentences":[{"text":"just scan and send it back or take a photo and send it back to us, and we can have that applied there for you.","start":731.495,"end":736.66003,"sentiment":"neutral","sentiment_score":0.10276197373867035},{"text":"Okay?","start":736.66003,"end":737.16003,"sentiment":"neutral","sentiment_score":0.15947332978248596}],"sentiment":"neutral","sentiment_score":0.10494317974035557,"channel":0,"num_words":26,"start":731.495,"end":737.16003},{"sentences":[{"text":"Perfect.","start":737.18,"end":737.68,"sentiment":"positive","sentiment_score":0.7688394784927368}],"sentiment":"positive","sentiment_score":0.7688394784927368,"channel":1,"num_words":1,"start":737.18,"end":737.68},{"sentences":[{"text":"Fantastic.","start":738.18,"end":738.68,"sentiment":"positive","sentiment_score":0.8301130533218384},{"text":"We'll try and make that one nice and easy for you so that all your boxes are ticked.","start":738.98004,"end":743.16003,"sentiment":"positive","sentiment_score":0.7119439178042941},{"text":"The last thing we want is anything to happen and for your partner to have trouble trying to claim on that one to make it easier on him.","start":743.54004,"end":750.9,"sentiment":"neutral","sentiment_score":0.061643248690026145},{"text":"So,","start":750.9,"end":751.4,"sentiment":"neutral","sentiment_score":0.09219491481781006}],"sentiment":"neutral","sentiment_score":0.3221522802487016,"channel":0,"num_words":48,"start":738.18,"end":751.4},{"sentences":[{"text":"Yeah.","start":751.435,"end":751.91504,"sentiment":"neutral","sentiment_score":0.12711912393569946},{"text":"Yeah.","start":751.91504,"end":752.315,"sentiment":"neutral","sentiment_score":0.13482007384300232},{"text":"Well, at least he's with you guys as 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perfect.","start":757.005,"end":757.90497,"sentiment":"positive","sentiment_score":0.6627412438392639}],"sentiment":"neutral","sentiment_score":0.3051200906435649,"channel":0,"num_words":9,"start":755.08496,"end":757.90497},{"sentences":[{"text":"that's","start":757.89996,"end":758.39996,"sentiment":"positive","sentiment_score":0.6163824200630188}],"sentiment":"positive","sentiment_score":0.6163824200630188,"channel":1,"num_words":1,"start":757.89996,"end":758.39996},{"sentences":[{"text":"Excellent.","start":758.125,"end":758.625,"sentiment":"positive","sentiment_score":0.6387231349945068},{"text":"Just having a look.","start":760.20496,"end":761.165,"sentiment":"positive","sentiment_score":0.3564067780971527},{"text":"So your life and TPD amounts are pretty well accurate there.","start":761.165,"end":764.20496,"sentiment":"positive","sentiment_score":0.3705607761036266},{"text":"They've just increased a little 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that.","start":774.34,"end":776.76,"sentiment":"neutral","sentiment_score":0.045740449180205665},{"text":"It does again go up a little bit with CPI there.","start":777.78,"end":780.60004,"sentiment":"neutral","sentiment_score":0.012968920848586342},{"text":"Sorry.","start":780.915,"end":781.15497,"sentiment":"neutral","sentiment_score":-0.0748218223452568}],"sentiment":"neutral","sentiment_score":0.05225972546950767,"channel":0,"num_words":38,"start":769.14,"end":781.15497},{"sentences":[{"text":"My computer's a little bit slow.","start":781.15497,"end":783.015,"sentiment":"neutral","sentiment_score":-0.1623890921473503},{"text":"We're working on, say, 32,000 as an income amount.","start":784.355,"end":787.735,"sentiment":"neutral","sentiment_score":-0.048897063773539334},{"text":"Buy that by monthly.","start":790.435,"end":791.975,"sentiment":"neutral","sentiment_score":-0.025037669111043215},{"text":"So about $1.08.","start":792.675,"end":794.22,"sentiment":"neutral","sentiment_score":-0.016024844100077946},{"text":"So, realistically, if anything was to happen with income protection, you can be covered for up to 70% of your income there.","start":794.22,"end":801.36,"sentiment":"neutral","sentiment_score":-0.011226882988756353}],"sentiment":"neutral","sentiment_score":-0.04112783548506824,"channel":0,"num_words":44,"start":781.15497,"end":801.36},{"sentences":[{"text":"Your monthly benefit of about 1,661 pretax is a little bit underinsured from where you are.","start":801.98,"end":809.78503,"sentiment":"neutral","sentiment_score":-0.03578284312970936},{"text":"However, you do also have the super contribution amount.","start":809.78503,"end":813.465,"sentiment":"neutral","sentiment_score":0.027218410331341956},{"text":"So it does mean that an extra $391 per month would be added into super if you were on a claim there.","start":813.465,"end":819.51,"sentiment":"neutral","sentiment_score":0.022338785400444813},{"text":"If anything was to happen and you were on for income protection, would that amount, the $16.61 plus your partner's income, be sufficient for your regular expenses each month, or would you like to maybe look at trying to increase that a bit, or what's your thought?","start":820.07,"end":834.73,"sentiment":"neutral","sentiment_score":0.004696102634547872}],"sentiment":"neutral","sentiment_score":0.004091598995109188,"channel":0,"num_words":94,"start":801.98,"end":834.73},{"sentences":[{"text":"I guess that's based off what I earn now, isn't 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retirement, don't need them, cancel them, and you've paid all the money for cover you've never claimed on or required.","start":891.485,"end":900.065,"sentiment":"neutral","sentiment_score":-0.08713638627280791},{"text":"So it's","start":900.125,"end":900.925,"sentiment":"neutral","sentiment_score":0.09076695516705513}],"sentiment":"neutral","sentiment_score":-0.07777305251281512,"channel":0,"num_words":38,"start":891.485,"end":900.925},{"sentences":[{"text":"Yes.","start":900.675,"end":901.175,"sentiment":"neutral","sentiment_score":0.1936158537864685}],"sentiment":"neutral","sentiment_score":0.1936158537864685,"channel":1,"num_words":1,"start":900.675,"end":901.175},{"sentences":[{"text":"one of those one of those things, really.","start":900.925,"end":904.46497,"sentiment":"neutral","sentiment_score":0.26050951704382896},{"text":"So you've got your life, your TPD, your income protection at the 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cover you have?","start":918.93005,"end":920.23004,"sentiment":"neutral","sentiment_score":0.058906590938568114}],"sentiment":"neutral","sentiment_score":0.058906590938568114,"channel":0,"num_words":5,"start":918.93005,"end":920.23004},{"sentences":[{"text":"I think I'm pretty good with the cover that I've got at the moment.","start":920.46,"end":923.2,"sentiment":"neutral","sentiment_score":0.2623365542718342}],"sentiment":"neutral","sentiment_score":0.2623365542718342,"channel":1,"num_words":14,"start":920.46,"end":923.2},{"sentences":[{"text":"Yep.","start":923.055,"end":923.555,"sentiment":"neutral","sentiment_score":0.3090045154094696},{"text":"Beautiful.","start":923.77496,"end":924.27496,"sentiment":"positive","sentiment_score":0.5694409608840942},{"text":"I mean, you can cover basically everything, can't you, the types of insurances that are out there?","start":924.415,"end":928.65497,"sentiment":"neutral","sentiment_score":0.28239715274642496},{"text":"You could be paying a a a phenomenal amount of premiums if we looked at covering absolutely everything.","start":928.65497,"end":933.795,"sentiment":"positive","sentiment_score":0.4275223927365409},{"text":"It'd be","start":933.855,"end":934.175,"sentiment":"positive","sentiment_score":0.4900818169116974}],"sentiment":"positive","sentiment_score":0.368070866052921,"channel":0,"num_words":39,"start":923.055,"end":934.175},{"sentences":[{"text":"That's","start":934.175,"end":934.33496,"sentiment":"positive","sentiment_score":0.5941343307495117}],"sentiment":"positive","sentiment_score":0.5941343307495117,"channel":1,"num_words":1,"start":934.175,"end":934.33496},{"sentences":[{"text":"insane.","start":934.175,"end":934.675,"sentiment":"positive","sentiment_score":0.4480860829353333}],"sentiment":"positive","sentiment_score":0.4480860829353333,"channel":0,"num_words":1,"start":934.175,"end":934.675},{"sentences":[{"text":"exactly right.","start":934.33496,"end":935.39496,"sentiment":"positive","sentiment_score":0.60189089179039},{"text":"Yep.","start":935.695,"end":936.01495,"sentiment":"positive","sentiment_score":0.35927268862724304},{"text":"You just gotta cover what you need to and then hope the rest all works out.","start":936.01495,"end":940.33,"sentiment":"neutral","sentiment_score":0.3005563160404563}],"sentiment":"positive","sentiment_score":0.3353660804660697,"channel":1,"num_words":19,"start":934.33496,"end":940.33},{"sentences":[{"text":"Yeah.","start":940.96,"end":941.36005,"sentiment":"neutral","sentiment_score":0.2402866333723068},{"text":"Yeah.","start":941.36005,"end":941.60004,"sentiment":"neutral","sentiment_score":0.23023276031017303},{"text":"And, look, if anything ever changed and you wanted to revisit those, you don't have to wait till annual review time.","start":941.60004,"end":946.4,"sentiment":"neutral","sentiment_score":0.22874765843153},{"text":"We can always have ad hoc conversations at any time throughout the year.","start":946.4,"end":950.27496,"sentiment":"neutral","sentiment_score":0.30547682023965395},{"text":"If there's something you wanna ask or something that's important to you or you just wanna revisit the insurance or even have questions, just give us a call.","start":950.495,"end":957.45496,"sentiment":"neutral","sentiment_score":0.04341138293966651}],"sentiment":"neutral","sentiment_score":0.16345215009641834,"channel":0,"num_words":64,"start":940.96,"end":957.45496},{"sentences":[{"text":"My team will absolutely make this time for me to give you a call and have a bit of a chat.","start":957.45496,"end":961.615,"sentiment":"neutral","sentiment_score":0.23683990963867732},{"text":"Okay?","start":961.615,"end":962.115,"sentiment":"neutral","sentiment_score":0.08944420516490936}],"sentiment":"neutral","sentiment_score":0.2301401048898697,"channel":0,"num_words":22,"start":957.45496,"end":962.115},{"sentences":[{"text":"Yep.","start":962.16504,"end":962.34,"sentiment":"neutral","sentiment_score":0.16075731813907623}],"sentiment":"neutral","sentiment_score":0.16075731813907623,"channel":1,"num_words":1,"start":962.16504,"end":962.34},{"sentences":[{"text":"Fantastic.","start":963.54004,"end":964.04004,"sentiment":"positive","sentiment_score":0.43684279918670654},{"text":"On the note of trauma, now we're not looking at any additional cover for you at the moment, but just so you are aware down the track, if you do wanna look at trauma, you can also get other policies","start":965.06,"end":973.78,"sentiment":"neutral","sentiment_score":-0.03246590867638588}],"sentiment":"neutral","sentiment_score":-0.021019354826066552,"channel":0,"num_words":41,"start":963.54004,"end":973.78},{"sentences":[{"text":"Yep.","start":973.7,"end":974.2,"sentiment":"neutral","sentiment_score":-0.00033610439277254045}],"sentiment":"neutral","sentiment_score":-0.00033610439277254045,"channel":1,"num_words":1,"start":973.7,"end":974.2},{"sentences":[{"text":"like child trauma, which pays out a lump sum tax free benefit in the event that your child is diagnosed with traumatic illnesses or, you know, diagnoses.","start":973.78,"end":983.35504,"sentiment":"neutral","sentiment_score":0.0031336697370365815},{"text":"So if there's ever anything that you wanted to talk about or look at down the track there with any kind of trauma or child protection trauma, you know, benefit, please let me know.","start":984.135,"end":992.83,"sentiment":"neutral","sentiment_score":-0.01976952581282924},{"text":"Okay?","start":992.83,"end":993.33,"sentiment":"neutral","sentiment_score":0.02124866098165512}],"sentiment":"neutral","sentiment_score":-0.009133969899266958,"channel":0,"num_words":62,"start":973.78,"end":993.33},{"sentences":[{"text":"Yes.","start":993.81,"end":994.31,"sentiment":"neutral","sentiment_score":0.15268240869045258}],"sentiment":"neutral","sentiment_score":0.15268240869045258,"channel":1,"num_words":1,"start":993.81,"end":994.31},{"sentences":[{"text":"Fantastic.","start":995.47,"end":995.97,"sentiment":"positive","sentiment_score":0.5167744755744934},{"text":"So that's your super and your insurances.","start":996.35,"end":997.97,"sentiment":"positive","sentiment_score":0.4490889310836792},{"text":"Looking really well.","start":998.19,"end":998.99,"sentiment":"positive","sentiment_score":0.6549986004829407},{"text":"Happy with the return there.","start":998.99,"end":1000.61,"sentiment":"positive","sentiment_score":0.7426159858703614},{"text":"All your investments within the super fund are working really nicely.","start":1000.99,"end":1004.35,"sentiment":"positive","sentiment_score":0.7260239286856218}],"sentiment":"positive","sentiment_score":0.6416568866482487,"channel":0,"num_words":27,"start":995.47,"end":1004.35},{"sentences":[{"text":"Everything is up.","start":1004.35,"end":1005.39,"sentiment":"positive","sentiment_score":0.5247109631697336},{"text":"On that email, you also have the performance report, I believe, called hub twenty four super performance with the date the fourth of the sixth on it.","start":1005.39,"end":1013.945,"sentiment":"neutral","sentiment_score":0.13684315068854225},{"text":"If you wanted to sort of open that one up, you can have a bit of a look at the investments within.","start":1014.24506,"end":1018.325,"sentiment":"neutral","sentiment_score":0.10250472006472675},{"text":"And on the second page, it does kinda show you that 10.21% returns.","start":1018.325,"end":1022.76,"sentiment":"neutral","sentiment_score":0.18732758439504182},{"text":"You can see that your super has been working really, really nicely there.","start":1022.76,"end":1026.2001,"sentiment":"positive","sentiment_score":0.42192471944368803}],"sentiment":"neutral","sentiment_score":0.1980036121721451,"channel":0,"num_words":78,"start":1004.35,"end":1026.2001},{"sentences":[{"text":"Okay?","start":1026.2001,"end":1026.7001,"sentiment":"neutral","sentiment_score":0.1031193882226944}],"sentiment":"neutral","sentiment_score":0.1031193882226944,"channel":0,"num_words":1,"start":1026.2001,"end":1026.7001},{"sentences":[{"text":"I'm just trying to oh, there it is.","start":1028.015,"end":1029.615,"sentiment":"neutral","sentiment_score":0.014391114003956318},{"text":"I was like, I'm trying","start":1029.615,"end":1030.335,"sentiment":"neutral","sentiment_score":-0.010704779624938964}],"sentiment":"neutral","sentiment_score":0.004738847223611979,"channel":1,"num_words":13,"start":1028.015,"end":1030.335},{"sentences":[{"text":"There","start":1030.28,"end":1030.4401,"sentiment":"neutral","sentiment_score":0.001289665699005127}],"sentiment":"neutral","sentiment_score":0.001289665699005127,"channel":0,"num_words":1,"start":1030.28,"end":1030.4401},{"sentences":[{"text":"to","start":1030.335,"end":1030.495,"sentiment":"neutral","sentiment_score":-0.000936206430196762}],"sentiment":"neutral","sentiment_score":-0.000936206430196762,"channel":1,"num_words":1,"start":1030.335,"end":1030.495},{"sentences":[{"text":"it","start":1030.4401,"end":1030.68,"sentiment":"neutral","sentiment_score":-0.005228471010923386}],"sentiment":"neutral","sentiment_score":-0.005228471010923386,"channel":0,"num_words":1,"start":1030.4401,"end":1030.68},{"sentences":[{"text":"open it.","start":1030.495,"end":1031.155,"sentiment":"neutral","sentiment_score":-0.004442524164915085}],"sentiment":"neutral","sentiment_score":-0.004442524164915085,"channel":1,"num_words":2,"start":1030.495,"end":1031.155},{"sentences":[{"text":"is.","start":1030.68,"end":1031.18,"sentiment":"neutral","sentiment_score":0.0032928865402936935},{"text":"That's okay.","start":1032.12,"end":1033.02,"sentiment":"neutral","sentiment_score":0.08162303641438484},{"text":"Now with your investment portfolio, you're invested in more of a growth environment.","start":1033.9601,"end":1038.665,"sentiment":"neutral","sentiment_score":0.10474346635433343},{"text":"So as we kinda discussed last year, you generally see that 80% of your super invested in growth assets, like Australian and international equities, property,","start":1038.7251,"end":1048.0851,"sentiment":"neutral","sentiment_score":0.15759604871273042}],"sentiment":"neutral","sentiment_score":0.13336842048277214,"channel":0,"num_words":41,"start":1030.68,"end":1048.0851},{"sentences":[{"text":"Yep.","start":1047.87,"end":1048.155,"sentiment":"neutral","sentiment_score":0.12902842462062836}],"sentiment":"neutral","sentiment_score":0.12902842462062836,"channel":1,"num_words":1,"start":1047.87,"end":1048.155},{"sentences":[{"text":"and also commodities like precious metals and gold and silver there.","start":1048.0851,"end":1051.53,"sentiment":"neutral","sentiment_score":0.19594143601981076},{"text":"Your gold is definitely one of your best performers for the year in your super, which has been really, really great to see.","start":1051.6901,"end":1056.75,"sentiment":"positive","sentiment_score":0.5707358082999354},{"text":"With this sort of growth environment there, the returns are expected to be generally between that seven to 9%.","start":1057.61,"end":1064.49,"sentiment":"neutral","sentiment_score":0.24561369066175662},{"text":"So the fact that you've received a 10% return for the year means that your","start":1064.49,"end":1067.965,"sentiment":"positive","sentiment_score":0.5106744329134624}],"sentiment":"positive","sentiment_score":0.40601552946164327,"channel":0,"num_words":68,"start":1048.0851,"end":1067.965},{"sentences":[{"text":"Yeah.","start":1067.77,"end":1068.27,"sentiment":"positive","sentiment_score":0.5161676406860352}],"sentiment":"positive","sentiment_score":0.5161676406860352,"channel":1,"num_words":1,"start":1067.77,"end":1068.27},{"sentences":[{"text":"portfolio has overperformed the expectations.","start":1067.965,"end":1070.145,"sentiment":"positive","sentiment_score":0.7283050179481506},{"text":"So that's a really good sign.","start":1070.4451,"end":1071.905,"sentiment":"positive","sentiment_score":0.8095882932345072}],"sentiment":"positive","sentiment_score":0.772641349922527,"channel":0,"num_words":11,"start":1067.965,"end":1071.905},{"sentences":[{"text":"Perfect.","start":1072.0901,"end":1072.5901,"sentiment":"positive","sentiment_score":0.595198392868042}],"sentiment":"positive","sentiment_score":0.595198392868042,"channel":1,"num_words":1,"start":1072.0901,"end":1072.5901},{"sentences":[{"text":"Yeah.","start":1073.405,"end":1073.805,"sentiment":"neutral","sentiment_score":0.3065817356109619}],"sentiment":"neutral","sentiment_score":0.3065817356109619,"channel":0,"num_words":1,"start":1073.405,"end":1073.805},{"sentences":[{"text":"That's what we","start":1073.545,"end":1073.9451,"sentiment":"neutral","sentiment_score":0.13918518150846163}],"sentiment":"neutral","sentiment_score":0.13918518150846163,"channel":1,"num_words":3,"start":1073.545,"end":1073.9451},{"sentences":[{"text":"And","start":1073.805,"end":1074.125,"sentiment":"neutral","sentiment_score":0.04589302092790603}],"sentiment":"neutral","sentiment_score":0.04589302092790603,"channel":0,"num_words":1,"start":1073.805,"end":1074.125},{"sentences":[{"text":"like","start":1073.9451,"end":1074.185,"sentiment":"neutral","sentiment_score":0.012108923867344856}],"sentiment":"neutral","sentiment_score":0.012108923867344856,"channel":1,"num_words":1,"start":1073.9451,"end":1074.185},{"sentences":[{"text":"not","start":1074.125,"end":1074.285,"sentiment":"neutral","sentiment_score":0.02964954636991024}],"sentiment":"neutral","sentiment_score":0.02964954636991024,"channel":0,"num_words":1,"start":1074.125,"end":1074.285},{"sentences":[{"text":"to","start":1074.185,"end":1074.3451,"sentiment":"neutral","sentiment_score":0.03501713275909424}],"sentiment":"neutral","sentiment_score":0.03501713275909424,"channel":1,"num_words":1,"start":1074.185,"end":1074.3451},{"sentences":[{"text":"to","start":1074.285,"end":1074.365,"sentiment":"neutral","sentiment_score":0.03131747990846634}],"sentiment":"neutral","sentiment_score":0.03131747990846634,"channel":0,"num_words":1,"start":1074.285,"end":1074.365},{"sentences":[{"text":"see.","start":1074.3451,"end":1074.8451,"sentiment":"neutral","sentiment_score":0.023011639714241028}],"sentiment":"neutral","sentiment_score":0.023011639714241028,"channel":1,"num_words":1,"start":1074.3451,"end":1074.8451},{"sentences":[{"text":"mention","start":1074.365,"end":1074.525,"sentiment":"neutral","sentiment_score":0.010216232389211656}],"sentiment":"neutral","sentiment_score":0.010216232389211656,"channel":0,"num_words":1,"start":1074.365,"end":1074.525},{"sentences":[{"text":"Something's","start":1075.385,"end":1075.785,"sentiment":"neutral","sentiment_score":0.03820169344544411}],"sentiment":"neutral","sentiment_score":0.03820169344544411,"channel":1,"num_words":1,"start":1075.385,"end":1075.785},{"sentences":[{"text":"yeah.","start":1075.645,"end":1076.145,"sentiment":"neutral","sentiment_score":0.051098793745040894}],"sentiment":"neutral","sentiment_score":0.051098793745040894,"channel":0,"num_words":1,"start":1075.645,"end":1076.145},{"sentences":[{"text":"gotta go positive, doesn't it?","start":1075.785,"end":1077.3251,"sentiment":"neutral","sentiment_score":0.11535619646310806}],"sentiment":"neutral","sentiment_score":0.11535619646310806,"channel":1,"num_words":5,"start":1075.785,"end":1077.3251},{"sentences":[{"text":"Absolutely.","start":1078.08,"end":1078.58,"sentiment":"neutral","sentiment_score":0.17312143743038175},{"text":"And, look, even when I'm sort of having a look at how everything's been tracking, I tend to you like to use the all ordinaries as a bit of a a benchmark for you because the all ordinaries encompasses essentially most of the market.","start":1078.7999,"end":1092.26,"sentiment":"neutral","sentiment_score":0.09021952866830608},{"text":"It focuses on the largest companies, which essentially shows you and is an indicator of how the total market has been performing.","start":1092.32,"end":1099.215,"sentiment":"neutral","sentiment_score":0.08445069888098673},{"text":"When I have a look at your super and how it has been tracking, it has been tracking in line with your ordinaries and been going up and down in the same sort of pattern.","start":1099.995,"end":1107.995,"sentiment":"neutral","sentiment_score":0.07341069823929242},{"text":"So, essentially, you're not tracking against the market.","start":1107.995,"end":1110.73,"sentiment":"neutral","sentiment_score":0.019364209147170186}],"sentiment":"neutral","sentiment_score":0.07931803805245595,"channel":0,"num_words":110,"start":1078.08,"end":1110.73},{"sentences":[{"text":"There's nothing that needs to really be changed at the moment investment wise.","start":1110.73,"end":1114.1901,"sentiment":"neutral","sentiment_score":-0.022401081326489266}],"sentiment":"neutral","sentiment_score":-0.022401081326489266,"channel":0,"num_words":13,"start":1110.73,"end":1114.1901},{"sentences":[{"text":"Yep.","start":1114.71,"end":1115.21,"sentiment":"neutral","sentiment_score":0.08188747614622116}],"sentiment":"neutral","sentiment_score":0.08188747614622116,"channel":1,"num_words":1,"start":1114.71,"end":1115.21},{"sentences":[{"text":"I'd probably just go back and just make sure you still are invested in line with that 20%.","start":1114.73,"end":1119.87,"sentiment":"neutral","sentiment_score":0.07404691870841715}],"sentiment":"neutral","sentiment_score":0.07404691870841715,"channel":0,"num_words":18,"start":1114.73,"end":1119.87},{"sentences":[{"text":"Yep.","start":1120.07,"end":1120.57,"sentiment":"neutral","sentiment_score":0.09016053378582}],"sentiment":"neutral","sentiment_score":0.09016053378582,"channel":1,"num_words":1,"start":1120.07,"end":1120.57},{"sentences":[{"text":"So long as everything's fine, there'll be nothing left to do.","start":1120.3301,"end":1123.2101,"sentiment":"neutral","sentiment_score":0.10030015795068307},{"text":"If I do come back and find that we need to maybe rebalance something, I'll let you know.","start":1123.2101,"end":1127.105,"sentiment":"neutral","sentiment_score":0.04697614059680038},{"text":"Is that okay?","start":1127.105,"end":1128.005,"sentiment":"neutral","sentiment_score":0.07546395684281985}],"sentiment":"neutral","sentiment_score":0.06797700433526188,"channel":0,"num_words":32,"start":1120.3301,"end":1128.005},{"sentences":[{"text":"Yes.","start":1128.245,"end":1128.565,"sentiment":"neutral","sentiment_score":0.07700681686401367},{"text":"Yep.","start":1128.565,"end":1128.885,"sentiment":"neutral","sentiment_score":0.10877691209316254},{"text":"Perfect.","start":1128.885,"end":1129.385,"sentiment":"neutral","sentiment_score":0.2167707085609436}],"sentiment":"neutral","sentiment_score":0.13418481250603995,"channel":1,"num_words":3,"start":1128.245,"end":1129.385},{"sentences":[{"text":"Yep.","start":1129.425,"end":1129.925,"sentiment":"neutral","sentiment_score":0.19812053442001343},{"text":"Beautiful.","start":1130.145,"end":1130.645,"sentiment":"positive","sentiment_score":0.436901181936264}],"sentiment":"neutral","sentiment_score":0.31751085817813873,"channel":0,"num_words":2,"start":1129.425,"end":1130.645},{"sentences":[{"text":"Keep tracking","start":1131.0449,"end":1131.6849,"sentiment":"neutral","sentiment_score":0.2784331291913986}],"sentiment":"neutral","sentiment_score":0.2784331291913986,"channel":1,"num_words":2,"start":1131.0449,"end":1131.6849},{"sentences":[{"text":"Everything","start":1131.505,"end":1131.985,"sentiment":"neutral","sentiment_score":0.2607460618019104}],"sentiment":"neutral","sentiment_score":0.2607460618019104,"channel":0,"num_words":1,"start":1131.505,"end":1131.985},{"sentences":[{"text":"the way that we are.","start":1131.6849,"end":1132.74,"sentiment":"neutral","sentiment_score":0.3046510100364685}],"sentiment":"neutral","sentiment_score":0.3046510100364685,"channel":1,"num_words":5,"start":1131.6849,"end":1132.74},{"sentences":[{"text":"yeah.","start":1133.265,"end":1133.585,"sentiment":"neutral","sentiment_score":0.1257331818342209},{"text":"Absolutely.","start":1133.585,"end":1134.085,"sentiment":"neutral","sentiment_score":0.15318423509597778},{"text":"And, look, honestly, the biggest point was, I mean, from where you came last year, we did see a bit of a dip around about November last year, but then we saw your your portfolio come back, recover up until about the March 2.","start":1134.625,"end":1147.94,"sentiment":"neutral","sentiment_score":0.07821099633689631},{"text":"And then it's seen a bit more of a dip around that mid to end of March.","start":1147.94,"end":1151.14,"sentiment":"neutral","sentiment_score":0.03313603865749696},{"text":"About the twentieth was the biggest dip we saw.","start":1151.14,"end":1153.48,"sentiment":"neutral","sentiment_score":0.07611305183834499}],"sentiment":"neutral","sentiment_score":0.06900738027050263,"channel":0,"num_words":72,"start":1133.265,"end":1153.48},{"sentences":[{"text":"And that was very much in line with what was happening in the market as a whole, with what was happening with The US and Iran.","start":1153.6849,"end":1159.225,"sentiment":"neutral","sentiment_score":0.13153781340672419},{"text":"And then from there, your portfolio has come back.","start":1159.525,"end":1161.765,"sentiment":"neutral","sentiment_score":0.18457221653726366},{"text":"You've almost recovered to where you were pre that dip, and then there's just some minor volatility after that.","start":1161.765,"end":1168.085,"sentiment":"neutral","sentiment_score":0.20028937333508542},{"text":"So you're tracking along really, really nicely.","start":1168.085,"end":1170.6699,"sentiment":"positive","sentiment_score":0.5770402678421566},{"text":"It's a good positive start.","start":1170.6699,"end":1172.61,"sentiment":"positive","sentiment_score":0.6975093245506286}],"sentiment":"neutral","sentiment_score":0.2486887831579555,"channel":0,"num_words":66,"start":1153.6849,"end":1172.61},{"sentences":[{"text":"And one of the things you'll probably notice is when you look at a 10% return with your current balance there, that 10% return as a dollar figure is about 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your overall asset position, you know, your asset and liability position, essentially, just sort of keeping track of what value you bring back to you.","start":1396.065,"end":1405.46,"sentiment":"neutral","sentiment_score":0.08039256185293198},{"text":"But it's also about you know, we're not sort of looking at the expected value of the market as a whole or depreciation cost.","start":1405.46,"end":1412.2599,"sentiment":"neutral","sentiment_score":0.003256862866692245},{"text":"It's just if you sort of sold the property or sold that vehicle, what would you wanna get for it?","start":1412.2599,"end":1417.2999,"sentiment":"neutral","sentiment_score":0.015301813030237098}],"sentiment":"neutral","sentiment_score":0.032728542872158775,"channel":0,"num_words":77,"start":1395.345,"end":1417.2999},{"sentences":[{"text":"What value is it to you?","start":1417.2999,"end":1418.84,"sentiment":"neutral","sentiment_score":0.055012949431935944},{"text":"So you you're welcome to keep it as it 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look, I mean, I'd like to get that, but we probably it'd be probably a little bit less that we would actually get,","start":1423.9601,"end":1429.88,"sentiment":"neutral","sentiment_score":-0.0884698354639113}],"sentiment":"neutral","sentiment_score":-0.0884698354639113,"channel":1,"num_words":24,"start":1423.9601,"end":1429.88},{"sentences":[{"text":"Yeah.","start":1429.805,"end":1430.305,"sentiment":"neutral","sentiment_score":-0.02450461313128471}],"sentiment":"neutral","sentiment_score":-0.02450461313128471,"channel":0,"num_words":1,"start":1429.805,"end":1430.305},{"sentences":[{"text":"I would 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thing.","start":2317.605,"end":2318.345,"sentiment":"neutral","sentiment_score":0.011351095512509346}],"sentiment":"neutral","sentiment_score":0.011351095512509346,"channel":0,"num_words":2,"start":2317.605,"end":2318.345},{"sentences":[{"text":"that?","start":2317.9,"end":2318.4,"sentiment":"neutral","sentiment_score":0.026624098420143127}],"sentiment":"neutral","sentiment_score":0.026624098420143127,"channel":1,"num_words":1,"start":2317.9,"end":2318.4},{"sentences":[{"text":"Absolutely.","start":2318.89,"end":2319.39,"sentiment":"neutral","sentiment_score":0.15479691326618197},{"text":"And, look, the and for the for the most part, investing in most structures, you do have to account the income and your capital gains in your personal tax return.","start":2319.53,"end":2327.85,"sentiment":"neutral","sentiment_score":0.1494565005103747},{"text":"If it's jointly, you you might be 50%.","start":2327.85,"end":2330.65,"sentiment":"neutral","sentiment_score":0.28854451701045036},{"text":"You get discounts and things currently on your tax returns and things like that.","start":2330.65,"end":2335.735,"sentiment":"neutral","sentiment_score":0.23486308380961418},{"text":"You can also claim if you get dividends that are paid out.","start":2335.735,"end":2338.855,"sentiment":"positive","sentiment_score":0.3828321198622386}],"sentiment":"neutral","sentiment_score":0.22813717963603827,"channel":0,"num_words":65,"start":2318.89,"end":2338.855},{"sentences":[{"text":"If they're paid out of Australian companies, we get franking credits, which also provide deductions.","start":2338.855,"end":2343.435,"sentiment":"neutral","sentiment_score":0.3241758813460668},{"text":"There's lots of cool fun things that your accountant can do with your investments, but there's also other investment structures like bonds that you invest money in for, say, ten years if you're comfortable investing for that long.","start":2343.495,"end":2356.95,"sentiment":"positive","sentiment_score":0.4893089775976382},{"text":"And the income of the growth is all sorted and looked after inside that bond.","start":2356.95,"end":2361.145,"sentiment":"positive","sentiment_score":0.5462749739487965},{"text":"So you actually don't have to account for those every year on your personal tax return.","start":2361.145,"end":2366.345,"sentiment":"positive","sentiment_score":0.4556440357118845},{"text":"So there are ways to invest in different different structures where it's not gonna affect your personal income tax side of things.","start":2366.345,"end":2373.2449,"sentiment":"positive","sentiment_score":0.3911108361049132}],"sentiment":"positive","sentiment_score":0.4485400655078438,"channel":0,"num_words":106,"start":2338.855,"end":2373.2449},{"sentences":[{"text":"It's, you know, long long term investing.","start":2373.865,"end":2376.72,"sentiment":"positive","sentiment_score":0.5222516655921936},{"text":"There's lots of different fun things that we can look at that we can do.","start":2376.72,"end":2380.32,"sentiment":"positive","sentiment_score":0.689490282535553},{"text":"It all comes down to what your goals are, and that","start":2380.32,"end":2383.44,"sentiment":"positive","sentiment_score":0.435907705263658}],"sentiment":"positive","sentiment_score":0.5694878986387542,"channel":0,"num_words":33,"start":2373.865,"end":2383.44},{"sentences":[{"text":"Yes.","start":2383.335,"end":2383.835,"sentiment":"neutral","sentiment_score":0.22929958999156952}],"sentiment":"neutral","sentiment_score":0.22929958999156952,"channel":1,"num_words":1,"start":2383.335,"end":2383.835},{"sentences":[{"text":"kinda comes back to the question about whether you invest in a portfolio or buy a house first.","start":2383.44,"end":2388.56,"sentiment":"neutral","sentiment_score":0.1790821130077044},{"text":"It all comes down to what's more important to you.","start":2388.56,"end":2391.095,"sentiment":"neutral","sentiment_score":0.21906557083129882},{"text":"Is it buying that house and having that place for your family to live in your forever home or, you know, your first home to get you out of the rental market?","start":2391.395,"end":2399.335,"sentiment":"neutral","sentiment_score":0.18665167049039155},{"text":"Or are you more comfortable putting a bit of money away and maybe growing wealth to supplement, you know, super down the track or to, you know, put some money away for university for the kids or to just, you know, hopefully retire a bit earlier.","start":2399.635,"end":2415.46,"sentiment":"neutral","sentiment_score":0.2001683311941831},{"text":"It","start":2415.46,"end":2415.6199,"sentiment":"neutral","sentiment_score":0.043084517121315}],"sentiment":"neutral","sentiment_score":0.1928767752354947,"channel":0,"num_words":107,"start":2383.44,"end":2415.6199},{"sentences":[{"text":"Is","start":2415.5,"end":2415.66,"sentiment":"neutral","sentiment_score":0.009830407798290253}],"sentiment":"neutral","sentiment_score":0.009830407798290253,"channel":1,"num_words":1,"start":2415.5,"end":2415.66},{"sentences":[{"text":"all","start":2415.6199,"end":2415.8599,"sentiment":"neutral","sentiment_score":0.019188880920410156}],"sentiment":"neutral","sentiment_score":0.019188880920410156,"channel":0,"num_words":1,"start":2415.6199,"end":2415.8599},{"sentences":[{"text":"it","start":2415.66,"end":2415.9,"sentiment":"neutral","sentiment_score":-0.03333213925361633}],"sentiment":"neutral","sentiment_score":-0.03333213925361633,"channel":1,"num_words":1,"start":2415.66,"end":2415.9},{"sentences":[{"text":"just","start":2415.8599,"end":2416.02,"sentiment":"neutral","sentiment_score":-0.05031278729438782}],"sentiment":"neutral","sentiment_score":-0.05031278729438782,"channel":0,"num_words":1,"start":2415.8599,"end":2416.02},{"sentences":[{"text":"wrong","start":2415.9,"end":2416.14,"sentiment":"neutral","sentiment_score":-0.06374587118625641}],"sentiment":"neutral","sentiment_score":-0.06374587118625641,"channel":1,"num_words":1,"start":2415.9,"end":2416.14},{"sentences":[{"text":"comes","start":2416.02,"end":2416.26,"sentiment":"neutral","sentiment_score":-0.07844483852386475}],"sentiment":"neutral","sentiment_score":-0.07844483852386475,"channel":0,"num_words":1,"start":2416.02,"end":2416.26},{"sentences":[{"text":"to","start":2416.14,"end":2416.2998,"sentiment":"neutral","sentiment_score":-0.04265287518501282}],"sentiment":"neutral","sentiment_score":-0.04265287518501282,"channel":1,"num_words":1,"start":2416.14,"end":2416.2998},{"sentences":[{"text":"down","start":2416.26,"end":2416.5,"sentiment":"neutral","sentiment_score":0.005408763885498047}],"sentiment":"neutral","sentiment_score":0.005408763885498047,"channel":0,"num_words":1,"start":2416.26,"end":2416.5},{"sentences":[{"text":"say","start":2416.2998,"end":2416.6199,"sentiment":"neutral","sentiment_score":-0.08618316799402237}],"sentiment":"neutral","sentiment_score":-0.08618316799402237,"channel":1,"num_words":1,"start":2416.2998,"end":2416.6199},{"sentences":[{"text":"to","start":2416.5,"end":2416.66,"sentiment":"neutral","sentiment_score":-0.06516482681035995}],"sentiment":"neutral","sentiment_score":-0.06516482681035995,"channel":0,"num_words":1,"start":2416.5,"end":2416.66},{"sentences":[{"text":"both?","start":2416.6199,"end":2417.1199,"sentiment":"neutral","sentiment_score":-0.0709700733423233}],"sentiment":"neutral","sentiment_score":-0.0709700733423233,"channel":1,"num_words":1,"start":2416.6199,"end":2417.1199},{"sentences":[{"text":"what your thoughts are.","start":2416.66,"end":2417.925,"sentiment":"neutral","sentiment_score":-0.04443393647670746},{"text":"Absolutely not.","start":2418.245,"end":2419.465,"sentiment":"neutral","sentiment_score":-0.26992496848106384},{"text":"Absolutely","start":2419.605,"end":2420.105,"sentiment":"neutral","sentiment_score":-0.22408103942871097}],"sentiment":"neutral","sentiment_score":-0.13452381747109549,"channel":0,"num_words":7,"start":2416.66,"end":2420.105},{"sentences":[{"text":"How do we do","start":2419.9,"end":2420.6199,"sentiment":"neutral","sentiment_score":-0.2137388065457344}],"sentiment":"neutral","sentiment_score":-0.2137388065457344,"channel":1,"num_words":4,"start":2419.9,"end":2420.6199},{"sentences":[{"text":"not.","start":2420.405,"end":2420.905,"sentiment":"neutral","sentiment_score":-0.1939483880996704}],"sentiment":"neutral","sentiment_score":-0.1939483880996704,"channel":0,"num_words":1,"start":2420.405,"end":2420.905},{"sentences":[{"text":"both and make it work?","start":2420.6199,"end":2422.0,"sentiment":"neutral","sentiment_score":-0.14455367773771285}],"sentiment":"neutral","sentiment_score":-0.14455367773771285,"channel":1,"num_words":5,"start":2420.6199,"end":2422.0},{"sentences":[{"text":"Absolutely not.","start":2422.805,"end":2423.845,"sentiment":"neutral","sentiment_score":-0.24259782582521439},{"text":"The other side of that is if you wanted to do both, we can always look at your budget, look at your budget planner, and sort of work out where your money is going and how you can save for a deposit over here and then also invest over here, how much you would need to put in.","start":2423.845,"end":2439.83,"sentiment":"neutral","sentiment_score":0.23641849912959953},{"text":"Because one of the biggest things is you have that initial deposit for your investment, but then you also do wanna like, you're super with your super contributions, you also do wanna be making regular deposits into your investments.","start":2439.83,"end":2451.3452,"sentiment":"positive","sentiment_score":0.439327087921974},{"text":"That does help it grow.","start":2451.405,"end":2452.865,"sentiment":"positive","sentiment_score":0.6309202313423157},{"text":"Investments will only work so far without having additional contributions.","start":2453.405,"end":2458.385,"sentiment":"positive","sentiment_score":0.3429188322275877}],"sentiment":"neutral","sentiment_score":0.32407564215623497,"channel":0,"num_words":114,"start":2422.805,"end":2458.385},{"sentences":[{"text":"Keep you know, continuously putting capital in is really important as well.","start":2458.685,"end":2462.5251,"sentiment":"positive","sentiment_score":0.508622832596302},{"text":"So there are ways to do both of those.","start":2462.5251,"end":2465.22,"sentiment":"positive","sentiment_score":0.4413495428032345},{"text":"It just comes down to what your goals are, what's important to you, your time horizon, how much risk you're willing to take 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equities.","start":3108.5,"end":3110.58,"sentiment":"neutral","sentiment_score":0.048978728375264576},{"text":"That's more of an aggressive portfolio.","start":3110.58,"end":3112.28,"sentiment":"neutral","sentiment_score":0.06699828679362933},{"text":"Four is more of a high growth at ninety ten kind of split of growth versus defensive.","start":3112.835,"end":3117.4949,"sentiment":"neutral","sentiment_score":0.08163621320443995},{"text":"And then you're sitting in that sort of 80 to 20 split, and that's kind of just under that high growth environment there.","start":3118.275,"end":3124.595,"sentiment":"neutral","sentiment_score":0.0391325909320427}],"sentiment":"neutral","sentiment_score":0.05567090748385949,"channel":0,"num_words":55,"start":3107.86,"end":3124.595},{"sentences":[{"text":"So 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we expect negative return kind of one in every five years.","start":3141.695,"end":3148.2551,"sentiment":"neutral","sentiment_score":-0.24764684662222863},{"text":"So it does sort of suit where you're at time horizon wise.","start":3148.2551,"end":3152.39,"sentiment":"neutral","sentiment_score":0.05001898482441902},{"text":"It sounds like your comfort level is quite comfortable in there as well, so I wouldn't wanna change that.","start":3153.17,"end":3158.21,"sentiment":"neutral","sentiment_score":0.13259193889404597}],"sentiment":"neutral","sentiment_score":-0.007336706017391591,"channel":0,"num_words":79,"start":3132.83,"end":3158.21},{"sentences":[{"text":"Does that sound right?","start":3158.21,"end":3159.17,"sentiment":"neutral","sentiment_score":0.18482310324907303},{"text":"Are you 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am very much like that.","start":3428.37,"end":3430.7102,"sentiment":"neutral","sentiment_score":-0.23773592710494995},{"text":"But then once I'm in, I'm I'm pretty, you know, I'm pretty comfortable.","start":3431.25,"end":3434.7102,"sentiment":"neutral","sentiment_score":-0.023966778069734573},{"text":"So","start":3434.77,"end":3435.075,"sentiment":"neutral","sentiment_score":0.0049321651458740234}],"sentiment":"neutral","sentiment_score":-0.10038742575455796,"channel":1,"num_words":22,"start":3428.37,"end":3435.075},{"sentences":[{"text":"Yeah.","start":3435.12,"end":3435.2002,"sentiment":"neutral","sentiment_score":0.028179043903946877},{"text":"Yeah.","start":3435.2002,"end":3435.7002,"sentiment":"neutral","sentiment_score":0.05110634490847587}],"sentiment":"neutral","sentiment_score":0.039642694406211376,"channel":0,"num_words":2,"start":3435.12,"end":3435.7002},{"sentences":[{"text":"when Dwayne first changed over, I was a bit skeptical 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The focus is on investing in the current and future phases of life, with a focus on maintaining a comfortable risk weight for long-term investments. The speaker recommends certain investment opportunities, including stake and spaceships, and suggests reviewing annual review documents and referring customers to a mortgage broker. The conversation ends on a pleasant note, with plans to add a review to the customer's website and offer further assistance."},"intents":{"segments":[{"text":"I'm sending you an email to you just with a couple of documents attached. It's got your ongoing service agreement for the next twelve months. I've got some attachments in there for you, which contain your superannuation and insurance summary, and it's also got the internal rate of return report there. So when that pops through, if you wanted to open those up, I can take you through what your super has been doing.","start_word":520,"end_word":593,"intents":[{"intent":"Schedule service agreement or documents","confidence_score":2.3186801e-7}]},{"text":"I think if you scroll down, is it showing you the attachments below that?","start_word":660,"end_word":673,"intents":[{"intent":"Obtain notes with attachments","confidence_score":2.3013744e-8}]},{"text":"When I have a really good look at how everything has performed, your super as a net return has provided a 10.21%. That's showing earnings and growth from the portfolio of over $7,417.","start_word":1032,"end_word":1064,"intents":[{"intent":"Provide net return and portfolio performance","confidence_score":0.0011447492},{"intent":"Provide net return and growth","confidence_score":0.015510662}]},{"text":"Underneath that, you've also got your insurance policy. So you'll see when we initially recommended the insurances last year, we had recommended about 620,000 to apply for for life and CPD.","start_word":1146,"end_word":1176,"intents":[{"intent":"Promote insurance coverage and tierds coverage","confidence_score":1.9730861e-9}]},{"text":"One of the things we sort of talked about with your original goal for your life and TPD was that you wanted to replace your income. So you wanted to replace about sixteen years worth of your income and also have a bit of a buffer with your TBD to make sure that you have an extra 200,000 sitting there for replacement costs or medical expenses or, you know, modifications or any kind of re rehabilitation that was required.","start_word":1279,"end_word":1357,"intents":[{"intent":"Discuss replacement cost or medical expenses or rehabilitations","confidence_score":0.000008151379}]},{"text":"Now income wise, we had you on about 32,000 last year. Are you on about the same, or have you been lucky enough to get a pay rise there at all? No.","start_word":1376,"end_word":1407,"intents":[{"intent":"Address income discrepancies","confidence_score":0.0022207578}]},{"text":"Now having a look at your one pass one, it looks like the beneficiary on your one pass policy isn't quite added. So that must have been the one that we had some issues with there. Would you like me to I can prefill that beneficiary nomination for one pass so that it is all filled out correctly, And Yes.","start_word":1732,"end_word":1791,"intents":[{"intent":"Clarify and assign beneficiary information","confidence_score":0.0000070541523}]},{"text":"Would you like me to I can prefill that beneficiary nomination for one pass so that it is all filled out correctly, And Yes.","start_word":1767,"end_word":1790,"intents":[{"intent":"Prefill and send off beneficiary nomination","confidence_score":0.000043172517}]},{"text":"then we just send it through to you, and you just have to have it signed and witnessed and just making sure your partner is not one of the witnesses. Does that sound okay if we do it that way to make sure this is applied to your life cover as well? Yeah.","start_word":1791,"end_word":1843,"intents":[{"intent":"Send and send document to customer","confidence_score":0.0000677452}]},{"text":"So if you got two friends or two work colleagues or just someone that's available to sign at the same time you do, and Yep. then Yep. just scan and send it back or take a photo and send it back to us, and we can have that applied there for you. Okay? Perfect.","start_word":2121,"end_word":2174,"intents":[{"intent":"Apply for insurance claim","confidence_score":0.035343606}]},{"text":"Insurance, this is one of those sort of catch 20 twos. You wanna have the right level of cover to protect you if something was to happen, but there's, you know, possibly a one or 2% chance that you are gonna actually claim on them.","start_word":2589,"end_word":2633,"intents":[{"intent":"Cover insurance policy","confidence_score":0.00016278944}]},{"text":"If there's something you wanna ask or something that's important to you or you just wanna revisit the insurance or even have questions, just give us a call.","start_word":2858,"end_word":2885,"intents":[{"intent":"Discuss insurance policies","confidence_score":0.07932591}]},{"text":"On the note of trauma, now we're not looking at any additional cover for you at the moment, but just so you are aware down the track, if you do wanna look at trauma, you can also get other policies Yep. like child trauma, which pays out a lump sum tax free benefit in the event that your child is diagnosed with traumatic illnesses or, you know, diagnoses.","start_word":2909,"end_word":2976,"intents":[{"intent":"Discuss trauma","confidence_score":0.34828436},{"intent":"Discuss policies","confidence_score":0.0018085906}]},{"text":"So that's your super and your insurances. Looking really well. Happy with the return there.","start_word":3014,"end_word":3028,"intents":[{"intent":"Express happy return","confidence_score":0.000007794417}]},{"text":"portfolio has overperformed the expectations. So that's a really good sign. Perfect.","start_word":3248,"end_word":3259,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.22934476}]},{"text":"As your balance in increases, that sort of a return will have a much bigger earnings dollar figure attached to it. So as your balance increases, Yeah.","start_word":3635,"end_word":3661,"intents":[{"intent":"Confirm balance","confidence_score":0.12364243}]},{"text":"But do you have any questions about your suit for the insurance? Is there anything I've kind of gone through with you at the moment?","start_word":3696,"end_word":3720,"intents":[{"intent":"Check suit for insurance","confidence_score":0.07484929},{"intent":"Understand suit for insurance","confidence_score":0.0042027216}]},{"text":"Last year, when we kinda spoke, you were able to save about $200 per week. What's the expenditure looking like? Are you still managing to save or put some money away, or is it a bit hard at the moment?","start_word":3941,"end_word":3980,"intents":[{"intent":"Confirm savings","confidence_score":0.028987834}]},{"text":"Noted asset value was about 16,000 last year. What sort of value would you put on that now if you had to sell the vehicle? What would you want for it? Yeah.","start_word":4133,"end_word":4164,"intents":[{"intent":"Assess vehicle value","confidence_score":0.029430412}]},{"text":"Did you want me just to decrease it down by 500, maybe say 8,000 average? Yeah.","start_word":4450,"end_word":4465,"intents":[{"intent":"Improve asset value","confidence_score":0.0017371613}]},{"text":"So I've just updated that for you. Fantastic. And then I've also got down here that you guys are renting. You were were paying about 320 per week. Has your rent increased at all?","start_word":4689,"end_word":4722,"intents":[{"intent":"Update lease information","confidence_score":0.0044271597}]},{"text":"The other thing is, like, with the will, just the way you kinda can structure it, and this is a bit of an example. I mean, I've got kids to my ex husband as well as kids to my current husband now, and my will was set up so that everything I had would get sold and put into trust so my kids would be receiving income.","start_word":5100,"end_word":5166,"intents":[{"intent":"Structure will","confidence_score":0.65849143},{"intent":"Structure will","confidence_score":0.08201418}]},{"text":"What questions do I want asked? And who do I trust to make those financial and or medical decisions on my behalf?","start_word":5324,"end_word":5345,"intents":[{"intent":"Ask questions","confidence_score":0.2669957},{"intent":"Ask questions","confidence_score":0.29948705}]},{"text":"it it can be quite a powerful document, but I still do recommend going, you know, Yeah. speak to That a is solicitor something that and I have think that about, and it does Yeah.","start_word":5348,"end_word":5382,"intents":[{"intent":"Recommend solicitor","confidence_score":0.047534898}]},{"text":"Did we end up sending through some details on a local solicitor and some costing around the will and power of attorney side of things to you last year at all?","start_word":5418,"end_word":5448,"intents":[{"intent":"Send details","confidence_score":0.34382218}]},{"text":"Did anyone send that through? No. No.","start_word":5450,"end_word":5456,"intents":[{"intent":"Send email","confidence_score":0.031524047},{"intent":"Make email","confidence_score":0.00079703855}]},{"text":"If you like, we can do up a bit of an email with it's more of just a a general information email. It has a costing of one of the local solicitors that we use. It sort of shows you how much it costs to do a will and a power of attorney to start the Yep. conversation between you both, and that might sort of give you a bit of a helping hand there. And Yep.","start_word":5459,"end_word":5535,"intents":[{"intent":"Use solicitors","confidence_score":0.00084386155}]},{"text":"then, yeah, to start that conversation, then if you do have a local solicitor that you are comfortable talking to, you're welcome to kind of visit them as well and sort of have that conversation and look at how best to structure things outside Yep.","start_word":5536,"end_word":5580,"intents":[{"intent":"Start conversation","confidence_score":0.2751163}]},{"text":"Well, I'll get that email done up for you. It's not a problem at all, but thank you for updating all those details good. there.","start_word":5602,"end_word":5626,"intents":[{"intent":"Update information","confidence_score":0.053012602}]},{"text":"The other thing is looking at your goals as well. So we were tracking forward retirement around about age 65, hoping Yep. to draw about a thousand dollars a week. Is that still what we're tracking for with Super? I guess so.","start_word":5629,"end_word":5670,"intents":[{"intent":"Discuss goals","confidence_score":0.004189676}]},{"text":"Other goals that we have noted down here, we were looking at sorry. Cash flow and budgeting. You just wanted to take some holidays every couple of years. Do you have any holidays planned for this year or not really yet?","start_word":5880,"end_word":5920,"intents":[{"intent":"Discuss retirement goals","confidence_score":0.0036217892}]},{"text":"just see how it all plays out because we would also like to buy a house that Fantastic. well, whether that's actually achievable in this lifetime, who knows? Yeah.","start_word":6158,"end_word":6186,"intents":[{"intent":"Purchase house","confidence_score":0.42986128},{"intent":"Plan house","confidence_score":0.048429478}]},{"text":"So now we can hopefully grow our financials and our life stability a bit better Yeah.","start_word":6419,"end_word":6434,"intents":[{"intent":"Grow financials","confidence_score":0.23568961}]},{"text":"And we would also like to invest, but I don't know anything about it, and I find it very overwhelming to just think Yeah. about.","start_word":6448,"end_word":6472,"intents":[{"intent":"Invest","confidence_score":0.036734555}]},{"text":"Well, when you guys are ready to look at investing, we can help you with investment portfolios similar to your super, look at joint structures, and look at ways to invest to build that kind of wealth outside of super.","start_word":6504,"end_word":6543,"intents":[{"intent":"Discuss investing strategies","confidence_score":0.14875843}]},{"text":"I would personally never invest money that you wanna use in the next three to five years. Investing, same as super, is meant to be a long term sort of, project and Yep. medium to long term. You wanna invest for five plus years, because investing money for a longer time allows you to compound.","start_word":6893,"end_word":6947,"intents":[{"intent":"Discuss investing strategies","confidence_score":0.08402585}]},{"text":"So there are ways to invest in different different structures where it's not gonna affect your personal income tax side of things.","start_word":7358,"end_word":7379,"intents":[{"intent":"Promote investments","confidence_score":0.007864418}]},{"text":"It just comes down to what your goals are, what's important to you, your time horizon, how much risk you're willing to take on, how long you wanna invest for, and what kind of money you have available to you as well so that we're not over extending and putting money away that you might need to pull out in the short term and, you know, cement losses and things like that.","start_word":7684,"end_word":7755,"intents":[{"intent":"Discuss investments and goals","confidence_score":0.0252961}]},{"text":"And, look, I mean, worst case, if you just wanted to look at buying a house, we can also refer you through to a mortgage broker.","start_word":8023,"end_word":8048,"intents":[{"intent":"Refer through to a mortgage broker and discuss borrowing capacity","confidence_score":0.000041468873},{"intent":"Provide referral to a mortgage broker","confidence_score":0.00041855202}]},{"text":"So we can always refer you through to a mortgage broker to have that conversation with them as well, look at borrowing capacity and see, you know, what's available to you, or, you know, do you just hold off for six months and and, you know, put a bit more money away.","start_word":8129,"end_word":8180,"intents":[{"intent":"Obtain a conversation with a mortgage broker","confidence_score":0.00038876242}]},{"text":"If you wanna refer to a mortgage broker, I can organize that nice and easily for you.","start_word":8392,"end_word":8408,"intents":[{"intent":"Refer to mortgage broker","confidence_score":0.042014893}]},{"text":"a chat in regards to, I guess, the financial advising sort of type side of things in whether Yeah.","start_word":8439,"end_word":8457,"intents":[{"intent":"Discuss financial advising","confidence_score":0.021675918}]},{"text":"How would we go about organizing a chat like that, and what would Just with the myself? cost of that? Yes.","start_word":8478,"end_word":8498,"intents":[{"intent":"Optimize a chat","confidence_score":0.0000075664943}]},{"text":"If you are just looking for, you know, one of piece of advice in relation to, you know, budgeting or savings and things like that and some personal advice documents, we do charge 750 out of pocket for that one.","start_word":8565,"end_word":8604,"intents":[{"intent":"Discuss budgeting","confidence_score":0.026502823}]},{"text":"If you are just looking for, you know, one of piece of advice in relation to, you know, budgeting or savings and things like that and some personal advice documents, we do charge 750 out of pocket for that one. But it it can just be a general conversation if you just want some general advice or even just a strategy paper, noting down just a couple of different options. That's all fully complimentary.","start_word":8565,"end_word":8638,"intents":[{"intent":"Provide advice","confidence_score":0.2115752}]},{"text":"I can send you out a budget planner if you like that you can sort of sit down and maybe go through and Yep. sort of fill out if you'd like to to kinda get an idea of where the money is going, how much you've got coming in, where it's all kinda being spent to. Yep.","start_word":8683,"end_word":8739,"intents":[{"intent":"Fill out budget planner","confidence_score":0.09496985}]},{"text":"But I think the first thing is just coming back to having that conversation with the both of you, looking at what what your goals are, what you both wanna achieve together.","start_word":8955,"end_word":8986,"intents":[{"intent":"Discuss finances and goals","confidence_score":0.018518183}]},{"text":"just wanna do a really quick risk profile questionnaire with you, which was actually answered most of.","start_word":9439,"end_word":9455,"intents":[{"intent":"Gather feedback","confidence_score":0.014488605}]},{"text":"The only sort of three questions to sort of gauge there is if you did see, like, a big market difference, say, 20% fall in your portfolio over the next, you know, one, two, or even three years, if you saw something big occur, how do you think you might be feeling?","start_word":9458,"end_word":9509,"intents":[{"intent":"Monitor portfolio performance","confidence_score":0.0025887382}]},{"text":"When you sort of think about the growth portfolio, if you consider the risk level between sort of one to five, one being the lowest risk portfolio, five being a 100% in equities and no defensive investments, you're sort of in between that three to four mark. So one is like Yes.","start_word":9826,"end_word":9877,"intents":[{"intent":"Evaluate portfolio levels","confidence_score":0.0018603692}]},{"text":"It just depends on how long it takes for them to recover and how much risk you are taking sort of plays into that effect. But Yep.","start_word":10350,"end_word":10376,"intents":[{"intent":"Resolve investments and market issues","confidence_score":1.04985325e-7}]},{"text":"all the investments that you're invested in have seen those ups and downs. They've seen DFC Yeah. events and COVID events, and they've gone through those, and they've come out and recovered from those. So you can rest assured that you're in good quality investments, and that will make sure that we review those with you regularly and make changes as we need to as well. Does that make Yep.","start_word":10377,"end_word":10446,"intents":[{"intent":"Review investments and make changes","confidence_score":0.018446153},{"intent":"Invest in a good investment","confidence_score":5.6979655e-7}]},{"text":"The only other thing on there is the ongoing service agreement. So that is attached for you as well. That when you click on the sign document, that is the one that is gonna ask you to sign. Your Yep.","start_word":10451,"end_word":10490,"intents":[{"intent":"Attach service agreement","confidence_score":0.011617758}]},{"text":"So as a percentage based fee, it does go up and down and fluctuate with markets. So when the markets are higher, when you've had this probably 10% return, it means that we are gonna earn a little bit more. However, when Yep. the markets take a bit of a dip, your fee will dive with it as well. So about making Yep.","start_word":10563,"end_word":10625,"intents":[{"intent":"Explain fees","confidence_score":0.0017681556}]},{"text":"And, look, we do have the referral program as well. So if you do refer us on to anyone and they do come on board as a client, we do send out a $100 gift card to you as well. So Oh, yes.","start_word":10751,"end_word":10793,"intents":[{"intent":"Discuss referral program","confidence_score":0.01312063}]},{"text":"And we can always reach out to them and have a conversation, introduce ourselves, and explain what financial advisers do.","start_word":10867,"end_word":10886,"intents":[{"intent":"Reach out to individuals","confidence_score":0.00025132264}]},{"text":"And, yeah, happy to help anyone that we possibly can. We're pretty honest.","start_word":10887,"end_word":10899,"intents":[{"intent":"Help people","confidence_score":0.099919245}]},{"text":"If I was to get my admin team to send out a a link to our website, would you be open to adding a review there for us at all?","start_word":11052,"end_word":11081,"intents":[{"intent":"Review services","confidence_score":0.029069047}]},{"text":"So one of the benefits of the biggest thing with investing in the Australian market is that you have to, on the ASX, we have what's called a chest registration, which means that every share you buy is registered to your name. These micro investing apps essentially pool money with other investors and allow Yes.","start_word":11280,"end_word":11334,"intents":[{"intent":"Invest in australia","confidence_score":0.0011410018}]},{"text":"I personally use a couple of different ones. There are like, stake isn't a bad one. It's not so much micro investing for the ASX, so it does micro investing for The US. There are, I believe, spaceships is not bad either. Let me have a look at the other ones here. Sorry.","start_word":11574,"end_word":11626,"intents":[{"intent":"Share best investments","confidence_score":0.000029316738}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Melinda. This is Dana from Oakey Financial. How are you this afternoon?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.1809323877096176},{"text":"I'm good. Thank you, Dana. How are you today? I'm very well. Thank you. Thanks for asking.","start_word":14,"end_word":30,"sentiment":"positive","sentiment_score":0.5853854417800903},{"text":"I had you booked in to go through your annual review. Is now still a good time there for you? Yeah. Yeah. Long time when I speak. That's right. It's been a year. Wow. It's gone so fast, but also it feels like a very long time. I know. I know. It's funny. The older we get, the faster years go, but then some weeks, they just drag on. Yes. Yes. Like a short one.","start_word":31,"end_word":105,"sentiment":"neutral","sentiment_score":-0.004956203512847424},{"text":"Absolutely. All good.","start_word":106,"end_word":108,"sentiment":"positive","sentiment_score":0.373293399810791},{"text":"Look. Before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Sure.","start_word":109,"end_word":140,"sentiment":"neutral","sentiment_score":0.1204306110739708},{"text":"Fantastic.","start_word":141,"end_word":141,"sentiment":"positive","sentiment_score":0.4877563714981079},{"text":"And just to do security there with you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file. Melinda Joy Cook, thirtieth of the first Yes. 1992. 500 That's and 70 fine. Regina Avenue, North, Albany, South 3640.","start_word":142,"end_word":191,"sentiment":"neutral","sentiment_score":0.123866468667984},{"text":"Beautiful. Thank you so much for that.","start_word":192,"end_word":198,"sentiment":"positive","sentiment_score":0.46516650915145874},{"text":"How cold is it down there at the moment? It's been cold. It's been wet, actually. Oh, really? I guess I Wow. guess while it's wet, it's not too cold. It's it's definitely colder when it's clearer, Yep. but it's it's getting there. I think we got to twelfth grade today. Yeah. Wow. Wow. I mean, here on the Gulf Coast, it's done nothing but rain for the past several weeks. And then we had a lovely sunny weekend, and then it's back to raining again now. So I kinda feel Yeah. your pain. It's just it's We just gonna we were much stop. the same. We had a beautiful weekend, actually. Very sunny, Yeah. 16 degrees sort of type situation, Yeah. but then it's been drizzly on and off showers all all week since then. Yeah.","start_word":199,"end_word":335,"sentiment":"neutral","sentiment_score":-0.03333985394913785},{"text":"Wow. Hopefully, we all get some sun soon. It'll be nice to see that sunshine for a bit.","start_word":336,"end_word":353,"sentiment":"positive","sentiment_score":0.4531863331794739},{"text":"Look. I think we're in the wrong season to be to be wishing that, but, you know, I it sounds know.","start_word":354,"end_word":374,"sentiment":"neutral","sentiment_score":-0.12590190768241882},{"text":"always nice. Absolutely.","start_word":375,"end_word":377,"sentiment":"positive","sentiment_score":0.4516137540340424},{"text":"Just gonna go outside, I think, even just to do some gardening or mow the lawn. I don't mind. It looks like the Amazon at the moment.","start_word":378,"end_word":404,"sentiment":"neutral","sentiment_score":0.04174872860312462},{"text":"It's horrible.","start_word":405,"end_word":406,"sentiment":"negative","sentiment_score":-0.5794605016708374},{"text":"Yeah. Yeah.","start_word":407,"end_word":408,"sentiment":"neutral","sentiment_score":-0.23546473681926727},{"text":"But at least the grass has slowed down.","start_word":409,"end_word":416,"sentiment":"negative","sentiment_score":-0.3373875617980957},{"text":"That's the main thing. That's it. That's Well, right. he's down here anyways. Yeah. Oh, all good. With regard to the annual review, before we kinda jump into things there, is there anything particular you wanted to ask me or wanted me to sort of touch on as part of the annual review? I don't think so. I don't know. No. That's okay. That's not a problem at all. Well, what I'll do, I'm gonna send through an email to you. Are you able to access your emails at the moment? If you're not, that's absolutely okay. Yeah. I am. Yeah. Yep.","start_word":417,"end_word":518,"sentiment":"neutral","sentiment_score":0.03117067925632},{"text":"Beautiful.","start_word":519,"end_word":519,"sentiment":"positive","sentiment_score":0.4705558121204376},{"text":"I'm sending you an email to you just with a couple of documents attached. It's got your ongoing service agreement for the next twelve months. I've got some attachments in there for you, which contain your superannuation and insurance summary, and it's also got the internal rate of return report there. So when that pops through, if you wanted to open those up, I can take you through what your super has been doing. Yep. Yep. So I've got the first one. There's a signature request. Yes. So with that one there, you don't have to press that one at the moment. If you I'm just sort of thinking the easiest way. I'm pretty sure you should be able to see some attachments on the front page. If not, you might need to go through to the next screen. I think if you scroll down, is it showing you the attachments below that? Oh, yeah. Yeah. Yep.","start_word":520,"end_word":676,"sentiment":"neutral","sentiment_score":0.11862430930327458},{"text":"Beautiful.","start_word":677,"end_word":677,"sentiment":"positive","sentiment_score":0.6160281896591187},{"text":"So one of the attachments should say superannuation summary. Super and That's okay. insurance summary, you decide? That's the one. Yeah. Yep.","start_word":678,"end_word":699,"sentiment":"neutral","sentiment_score":0.1617978811264038},{"text":"Beautiful.","start_word":700,"end_word":700,"sentiment":"positive","sentiment_score":0.4741460680961609},{"text":"Sorry. We use Odoo now. I'm still sort of learning the system a little bit, but I'm I was pretty sure it showed those attachments below the signature request for you to make it a bit easier. But if you're able to open that attachment there with your super and insurance summary, is that opening up okay for you? It's just saying that it's downloaded. Where did I find it? Might take a second. Sorry. Where would that have gone to? Who knows? Do you have a downloads folder? Or Well, I do, but I'm trying to work out where it sent it to if it's maybe there. Not demo. Let me try again. It's starting download and then it's oh, there it is. Hang on. Hang on. Can I just just two seconds? Yeah. Sorry, Dana. Absolutely. You're fine. Not a problem at all. Sorry. I'm attending with children. One wants to watch something and the other one doesn't want to watch what she wants to watch. Oh, And that's do you absolutely think fine. that she can just make up the decision because I'm now not available? Anyway, so sorry. She's I've the got boss. that open.","start_word":701,"end_word":899,"sentiment":"neutral","sentiment_score":-0.004589305259287357},{"text":"Excellent.","start_word":900,"end_word":900,"sentiment":"positive","sentiment_score":0.3910742700099945},{"text":"All good. No. Not a problem at all. If anything comes up with the kids and you need me to stop, just let me know straight away. It's not an issue at all. Oh, Yeah.","start_word":901,"end_word":935,"sentiment":"neutral","sentiment_score":0.03338939696550369},{"text":"That's good. Beautiful.","start_word":936,"end_word":938,"sentiment":"positive","sentiment_score":0.42027047276496887},{"text":"So alright. with that's alright.","start_word":939,"end_word":943,"sentiment":"neutral","sentiment_score":0.2248065322637558},{"text":"So with this one here, it's Thank giving you a updated summary as of your super you.","start_word":944,"end_word":960,"sentiment":"positive","sentiment_score":0.34025394916534424},{"text":"balance as of the June 4 there, which is when we prepared Yep. the documents for you. So having a look at things, I can have give you your balance from last year as well. So your balance as of this time last year was about $59,001.09 3. So 59,193 and 49<unk> there. Your balance now is $69,001.46 and 53<unk>.","start_word":961,"end_word":1023,"sentiment":"neutral","sentiment_score":0.11741222523980673},{"text":"We have seen a really good increase in your super. Yes. When I have a really good look at how everything has performed, your super as a net return has provided a 10.21%. That's showing earnings and growth from the portfolio of over $7,417.","start_word":1023,"end_word":1067,"sentiment":"positive","sentiment_score":0.45536890625953674},{"text":"So your portfolio has been working really well for the year even with the ups and downs we are seeing in the market this year with what's happening between The US and Iran and also Yeah.","start_word":1067,"end_word":1103,"sentiment":"neutral","sentiment_score":0.27073124051094055},{"text":"with the high inflation here within Australia, your super has performed really nicely. All the investments are showing a positive return, and the net return that you've received is up over 10.21%. So that's a really good solid result. Really happy with that.","start_word":1103,"end_word":1146,"sentiment":"positive","sentiment_score":0.6464951038360596},{"text":"Yes. Yeah. Underneath that, you've also got your insurance policy. So you'll see when we initially recommended the insurances last year, we had recommended about 620,000 to apply for for life and CPD. Now these policies are indexed along with CPI. So the idea is that they do increase over time with the amount that you're able to claim, and that's so it holds its dollar it holds its buying power. The idea is we wanna make sure if you had to make a claim, a million dollars now isn't worth a million dollars in five years' time. So we wanna Not. make sure that your life and TPD cover holds its buying capacity and increases over time along with CPI. So you'll see your current sum insured of life and TPD is about 651,000. One of the things we sort of talked about with your original goal for your life and TPD was that you wanted to replace your income. So you wanted to replace about sixteen years worth of your income and also have a bit of a buffer with your TBD to make sure that you have an extra 200,000 sitting there for replacement costs or medical expenses or, you know, modifications or any kind of re rehabilitation that was required. So this has definitely Yep. increased from where it was if we kind of looked at this. Now income wise, we had you on about 32,000 last year. Are you on about the same, or have you been lucky enough to get a pay rise there at all? No. Don't even know what I'm sitting on, to be honest. That's okay. I mean, I I I should, but I'm trying to think. Did it I mean, it did go up at the start of the year, but, yeah, I'd say about 32 is about right. About 32. Yeah.","start_word":1146,"end_word":1455,"sentiment":"neutral","sentiment_score":0.04232298287022258},{"text":"Perfect. Yeah.","start_word":1456,"end_word":1457,"sentiment":"positive","sentiment_score":0.4668480455875397},{"text":"So if I looked at the $6.51 there and sort of divided that by the income that we have, the 32,000, it essentially means that based on replacing your income, you'd be able to replace that twenty years worth of income currently. So that's that 16,000, but still giving you a bit of a buffer there. With Yes. life cover, your super is also paid out on top of that. So it's a $6.51 plus your super balance that gets paid to your beneficiaries. And I'm just making sure that we have the beneficiaries noted correctly I was about as well. to ask I was about to ask that question actually because there was a bit of a mess around with it last year, and it had to be Yep. resent out. And then I sent it back, and then someone Bit of rang a trouble me, and with the they document. were gonna resend it out to me on a file. And then I don't Yep. know that I got that. Now I don't know where it's at. No. That's okay. So I'm having a look at your super fund.","start_word":1458,"end_word":1648,"sentiment":"neutral","sentiment_score":0.05850541964173317},{"text":"Your beneficiary nomination Perfect.","start_word":1649,"end_word":1652,"sentiment":"positive","sentiment_score":0.36630916595458984},{"text":"You have a binding non lapsing nomination, which means that you don't ever have to fill that format again unless something happened and you wanted to change that nomination. It is applied to pay a 100% of your super to your partner. Yep. So that's Yep. all exactly as you would like it to be? Yep. At this stage, The the kids are too young to to think about anything like that. So yep. no. That's absolutely fine. Now having a look at your one pass one, it looks like the beneficiary on your one pass policy isn't quite added. So that must have been the one that we had some issues with there. Would you like me to I can prefill that beneficiary nomination for one pass so that it is all filled out correctly, And Yes. then we just send it through to you, and you just have to have it signed and witnessed and just making sure your partner is not one of the witnesses. Does that sound okay if we do it that way to make sure this is applied to your life cover as well? Yeah. Perfect. Yep.","start_word":1653,"end_word":1845,"sentiment":"neutral","sentiment_score":0.0638005186470679},{"text":"Fantastic.","start_word":1846,"end_word":1846,"sentiment":"positive","sentiment_score":0.5382106304168701},{"text":"Now I'm just gonna bring up the beneficiary I have here to make sure that the details are correct. So I've pre filled the form accurately for you because I don't want you to go through the same problem again, and these forms can be a little bit difficult. They are honestly sometimes the bane of our existence. And these super funds and life insurance companies to have these nominations applied, they can be a bit painful. So let's just there we go. Okay. So I've got your partner's name, and everything is fine here. Date of birth should be the seventeenth of the fifth nineteen eighty eight. Is that right? Yep.","start_word":1847,"end_word":1958,"sentiment":"neutral","sentiment_score":-0.019308554008603096},{"text":"Fantastic.","start_word":1959,"end_word":1959,"sentiment":"positive","sentiment_score":0.3419250249862671},{"text":"He doesn't note himself down as being a male. I just have to double check that one. Yes. Yeah.","start_word":1960,"end_word":1978,"sentiment":"neutral","sentiment_score":0.051633790135383606},{"text":"Beautiful.","start_word":1979,"end_word":1979,"sentiment":"positive","sentiment_score":0.3562968075275421},{"text":"And I'll tick the spouse button there for you. And with your life cover, are you again wanting a 100% to be nominated to him? Yeah. Yeah. Yep. Beautiful. I just need to make sure I clarify those details for you so I fill it out as per your instructions there. So Yep. what I'll do is I'll pre fill that beneficiary for the life cover for you. I'll have my team send it out. Do you prefer email or post or both? What would be the easiest way to get that document to you? The email, probably. Email? Yeah. No. Not a problem at all. So when it comes through, we'll just get you to print a sign it, have two witnesses signed the same time you do. Just one can't be the person you've nominated as the beneficiary. So if you got two friends or two work colleagues or just someone that's available to sign at the same time you do, and Yep. then Yep. just scan and send it back or take a photo and send it back to us, and we can have that applied there for you. Okay?","start_word":1980,"end_word":2172,"sentiment":"neutral","sentiment_score":0.08379932099210166},{"text":"Perfect. Fantastic. We'll try and make that one nice and easy for you so that all your boxes are ticked.","start_word":2173,"end_word":2192,"sentiment":"positive","sentiment_score":0.7175902128219604},{"text":"The last thing we want is anything to happen and for your partner to have trouble trying to claim on that one to make it easier on him. So, Yeah. Yeah. Well, at least he's with you guys as well. So yeah. Absolutely. He knows where to call.","start_word":2193,"end_word":2240,"sentiment":"neutral","sentiment_score":0.113536536693573},{"text":"That's perfect. that's Excellent. Just having a look. So your life and TPD amounts are pretty well accurate there.","start_word":2241,"end_word":2259,"sentiment":"positive","sentiment_score":0.4577372074127197},{"text":"They've just increased a little bit. It does also show you on the document there how much you pay for those right. out of your super for the year. You've also got your income protection policy there as well. So I'm just sort of double checking with that. It does again go up a little bit with CPI there. Sorry. My computer's a little bit slow. We're working on, say, 32,000 as an income amount. Buy that by monthly. So about $1.08. So, realistically, if anything was to happen with income protection, you can be covered for up to 70% of your income there. Your monthly benefit of about 1,661 pretax is a little bit underinsured from where you are. However, you do also have the super contribution amount. So it does mean that an extra $391 per month would be added into super if you were on a claim there. If anything was to happen and you were on for income protection, would that amount, the $16.61 plus your partner's income, be sufficient for your regular expenses each month, or would you like to maybe look at trying to increase that a bit, or what's your thought? I guess that's based off what I earn now, isn't it? So Yeah. It's based off the income that we had when we did the yeah. When we did your your insurance application, it does go up along with CTI. So it is sorta increasing a little bit each year as well with the monthly benefit, but it doesn't always keep up with income or wage growth at the same time. So it's really up to you.","start_word":2260,"end_word":2534,"sentiment":"neutral","sentiment_score":0.027161024429581383},{"text":"If you're comfortable just to leave it as is for the moment, that's absolutely fine.","start_word":2535,"end_word":2549,"sentiment":"positive","sentiment_score":0.3503570556640625},{"text":"We can always come back and review it at any time if you'd like to. Yeah.","start_word":2550,"end_word":2565,"sentiment":"neutral","sentiment_score":0.298392653465271},{"text":"I think it's perfectly fine for now.","start_word":2566,"end_word":2572,"sentiment":"positive","sentiment_score":0.4763839840888977},{"text":"I mean, Yep. yeah. It's it's one of those things, isn't it? It is. It is. Insurance, this is one of those sort of catch 20 twos. You wanna have the right level of cover to protect you if something was to happen, but there's, you know, possibly a one or 2% chance that you are gonna actually claim on them. And the biggest risk is you have the insurance. If you pay the premiums and never actually make a claim, and then you get to retirement, don't need them, cancel them, and you've paid all the money for cover you've never claimed on or required. So it's Yes. one of those one of those things, really.","start_word":2573,"end_word":2689,"sentiment":"neutral","sentiment_score":0.027410896494984627},{"text":"So you've got your life, your TPD, your income protection at the moment. You're sorta happy to keep those as they are.","start_word":2690,"end_word":2711,"sentiment":"positive","sentiment_score":0.43176811933517456},{"text":"Lastly, you didn't wanna look at any kind of cover held out of pocket like trauma. Did you wanna kinda revisit those at the moment, or you're happy just Yeah. with the cover you have? I think I'm pretty good with the cover that I've got at the moment. Yep.","start_word":2712,"end_word":2761,"sentiment":"neutral","sentiment_score":0.09111863374710084},{"text":"Beautiful.","start_word":2762,"end_word":2762,"sentiment":"positive","sentiment_score":0.5694409608840942},{"text":"I mean, you can cover basically everything, can't you, the types of insurances that are out there?","start_word":2763,"end_word":2779,"sentiment":"neutral","sentiment_score":0.2841574549674988},{"text":"You could be paying a a a phenomenal amount of premiums if we looked at covering absolutely everything. It'd be insane. That's exactly right. Yep.","start_word":2780,"end_word":2804,"sentiment":"positive","sentiment_score":0.46170884370803833},{"text":"You just gotta cover what you need to and then hope the rest all works out. Yeah. Yeah. And, look, if anything ever changed and you wanted to revisit those, you don't have to wait till annual review time. We can always have ad hoc conversations at any time throughout the year. If there's something you wanna ask or something that's important to you or you just wanna revisit the insurance or even have questions, just give us a call. My team will absolutely make this time for me to give you a call and have a bit of a chat. Okay? Yep.","start_word":2805,"end_word":2907,"sentiment":"neutral","sentiment_score":0.1983159176498941},{"text":"Fantastic.","start_word":2908,"end_word":2908,"sentiment":"positive","sentiment_score":0.43684279918670654},{"text":"On the note of trauma, now we're not looking at any additional cover for you at the moment, but just so you are aware down the track, if you do wanna look at trauma, you can also get other policies Yep. like child trauma, which pays out a lump sum tax free benefit in the event that your child is diagnosed with traumatic illnesses or, you know, diagnoses. So if there's ever anything that you wanted to talk about or look at down the track there with any kind of trauma or child protection trauma, you know, benefit, please let me know. Okay? Yes.","start_word":2909,"end_word":3012,"sentiment":"neutral","sentiment_score":-0.01563938707113266},{"text":"Fantastic. So that's your super and your insurances. Looking really well. Happy with the return there. All your investments within the super fund are working really nicely. Everything is up.","start_word":3013,"end_word":3042,"sentiment":"positive","sentiment_score":0.6042945384979248},{"text":"On that email, you also have the performance report, I believe, called hub twenty four super performance with the date the fourth of the sixth on it. If you wanted to sort of open that one up, you can have a bit of a look at the investments within. And on the second page, it does kinda show you that 10.21% returns.","start_word":3043,"end_word":3104,"sentiment":"neutral","sentiment_score":0.13603773713111875},{"text":"You can see that your super has been working really, really nicely there.","start_word":3105,"end_word":3117,"sentiment":"positive","sentiment_score":0.4226674735546112},{"text":"Okay? I'm just trying to oh, there it is. I was like, I'm trying There to it open it. is. That's okay. Now with your investment portfolio, you're invested in more of a growth environment. So as we kinda discussed last year, you generally see that 80% of your super invested in growth assets, like Australian and international equities, property, Yep. and also commodities like precious metals and gold and silver there.","start_word":3118,"end_word":3189,"sentiment":"neutral","sentiment_score":0.10530589520931244},{"text":"Your gold is definitely one of your best performers for the year in your super, which has been really, really great to see.","start_word":3190,"end_word":3212,"sentiment":"positive","sentiment_score":0.5722793936729431},{"text":"With this sort of growth environment there, the returns are expected to be generally between that seven to 9%.","start_word":3213,"end_word":3231,"sentiment":"neutral","sentiment_score":0.2543310821056366},{"text":"So the fact that you've received a 10% return for the year means that your Yeah. portfolio has overperformed the expectations. So that's a really good sign. Perfect.","start_word":3232,"end_word":3259,"sentiment":"positive","sentiment_score":0.6394602656364441},{"text":"Yeah. That's what we And like not to to see. mention Something's yeah. gotta go positive, doesn't it? Absolutely. And, look, even when I'm sort of having a look at how everything's been tracking, I tend to you like to use the all ordinaries as a bit of a a benchmark for you because the all ordinaries encompasses essentially most of the market. It focuses on the largest companies, which essentially shows you and is an indicator of how the total market has been performing. When I have a look at your super and how it has been tracking, it has been tracking in line with your ordinaries and been going up and down in the same sort of pattern. So, essentially, you're not tracking against the market. There's nothing that needs to really be changed at the moment investment wise. Yep. I'd probably just go back and just make sure you still are invested in line with that 20%. Yep. So long as everything's fine, there'll be nothing left to do. If I do come back and find that we need to maybe rebalance something, I'll let you know. Is that okay? Yes. Yep. Perfect. Yep.","start_word":3260,"end_word":3456,"sentiment":"neutral","sentiment_score":0.07721756398677826},{"text":"Beautiful.","start_word":3457,"end_word":3457,"sentiment":"positive","sentiment_score":0.436901181936264},{"text":"Keep tracking Everything the way that we are. yeah. Absolutely. And, look, honestly, the biggest point was, I mean, from where you came last year, we did see a bit of a dip around about November last year, but then we saw your your portfolio come back, recover up until about the March 2. And then it's seen a bit more of a dip around that mid to end of March. About the twentieth was the biggest dip we saw. And that was very much in line with what was happening in the market as a whole, with what was happening with The US and Iran. And then from there, your portfolio has come back. You've almost recovered to where you were pre that dip, and then there's just some minor volatility after that.","start_word":3458,"end_word":3591,"sentiment":"neutral","sentiment_score":0.12195784598588943},{"text":"So you're tracking along really, really nicely. It's a good positive start.","start_word":3592,"end_word":3603,"sentiment":"positive","sentiment_score":0.6472707986831665},{"text":"And one of the things you'll probably notice is when you look at a 10% return with your current balance there, that 10% return as a dollar figure is about 7,417. As your balance in increases, that sort of a return will have a much bigger earnings dollar figure attached to it. So as your balance increases, Yeah. smaller Definitely. changes Could you get to your portfolio make a bigger difference. Yes. yeah. So that'll be something to kind of keep tracking, keep looking at as we compound things forward for you. But do you have any questions about your suit for the insurance? Is there anything I've kind of gone through with you at the moment? I don't think so. I think it looks No? like it's all doing what it should be doing, and you guys are doing well with it.","start_word":3604,"end_word":3746,"sentiment":"neutral","sentiment_score":0.06853566318750381},{"text":"Thank you.","start_word":3747,"end_word":3748,"sentiment":"positive","sentiment_score":0.498058021068573},{"text":"Definitely keep trying. Did you want me to do a bit of a catch up in the next sort of three, six months for you just to sort of see how things are tracking in that time frame with the volatility that we are going through at the moment, or did you Yeah. want just That'd another twelve that'd months? be Yeah. good, actually. Yeah. Absolutely. I'll pop it down there for you. Would you prefer three or six months there, Melinda? Probably six. Like, I Six months. guess six Yep. will get us right on Christmas, so a little bit before Yeah. six. Absolutely. No. Not a problem at all. I'll pop that in my calendar then. My team will book you in, give you a call just before that six month mark, and they'll book you in so we can have a bit of a catch up there just ready and in time for the Christmas break for us all. Okay? Yeah. Yep. Yep.","start_word":3749,"end_word":3914,"sentiment":"neutral","sentiment_score":0.14080487191677094},{"text":"Fantastic.","start_word":3915,"end_word":3915,"sentiment":"positive","sentiment_score":0.5765566825866699},{"text":"I just also wanted to run through and just kind of update any additional details that we might have for you. I've confirmed your income. Last year, when we kinda spoke, you were able to save about $200 per week. What's the expenditure looking like? Are you still managing to save or put some money away, or is it a bit hard at the moment? I mean, we are. Yeah. We are definitely putting money away. I guess I'm I'm splitting that 200 that we're saving across a few different things. Mhmm. So I'm not necessarily putting 200 into lockdown savings. I might be putting, like, 150 into that, and then I'm splitting the other or maybe a little bit extra across a couple of other accounts, you know, like gift accounts or money for us to be able to go and do things with the kids and stuff like that. Yep. Yep. But we're definitely putting a little bit away still. I'd like it to be more, Fantastic. but, you Yeah. know, there's only so much you can do with the way the world is at the moment. Oh, absolutely. Absolutely. No.","start_word":3916,"end_word":4108,"sentiment":"neutral","sentiment_score":0.031100485261548984},{"text":"Not a problem at all. Fantastic.","start_word":4109,"end_word":4114,"sentiment":"positive","sentiment_score":0.4141889214515686},{"text":"Looking at your other assets and liabilities we had here, we had the 2,015 Nissan X Trail. Mhmm. Noted asset value was about 16,000 last year. What sort of value would you put on that now if you had to sell the vehicle? What would you want for it? Yeah. I'll probably keep it at about that, actually. Yeah.","start_word":4115,"end_word":4173,"sentiment":"neutral","sentiment_score":0.05099087953567505},{"text":"I don't think it's really lost any value.","start_word":4174,"end_word":4181,"sentiment":"negative","sentiment_score":-0.36242252588272095},{"text":"I mean, Yeah. it probably Perfect. has in regards to the Stonewall case, but I don't think it would be losing value, if that makes sense. Yep. No. I That's think okay. it would still be sitting around about that.","start_word":4182,"end_word":4221,"sentiment":"neutral","sentiment_score":-0.09128066897392272},{"text":"Fantastic. Excellent.","start_word":4222,"end_word":4223,"sentiment":"positive","sentiment_score":0.6003258228302002},{"text":"And I've also got the 2004 Nissan Navara with a an estimated value of 8,500. Would you wanna change or alter that value at all? No. I think that's pretty good. I mean, if we probably wouldn't get that for it, Yeah.","start_word":4224,"end_word":4265,"sentiment":"neutral","sentiment_score":0.03015911392867565},{"text":"it probably would be losing a bit of value now because of its age.","start_word":4266,"end_word":4279,"sentiment":"negative","sentiment_score":-0.4045140147209167},{"text":"Yeah. You know, cars have come a long way in that time. Yeah. I mean, does it make any difference if I decrease it? What does that do in regards No. to anything? No. Nothing. It's just sort of looking at your overall asset position, you know, your asset and liability position, essentially, just sort of keeping track of what value you bring back to you. But it's also about you know, we're not sort of looking at the expected value of the market as a whole or depreciation cost. It's just if you sort of sold the property or sold that vehicle, what would you wanna get for it? What value is it to you?","start_word":4280,"end_word":4395,"sentiment":"neutral","sentiment_score":-0.014087435115000298},{"text":"So you you're welcome to keep it as it is.","start_word":4396,"end_word":4405,"sentiment":"positive","sentiment_score":0.47197425365448},{"text":"If you'd like, it's absolutely Yeah. fine. I Yeah. mean, look, I mean, I'd like to get that, but we probably it'd be probably a little bit less that we would actually get, Yeah. I would think. Yeah. No. That's okay.","start_word":4406,"end_word":4446,"sentiment":"neutral","sentiment_score":0.007787036243826151},{"text":"Beautiful. All good.","start_word":4447,"end_word":4449,"sentiment":"positive","sentiment_score":0.4692729115486145},{"text":"Did you want me just to decrease it down by 500, maybe say 8,000 average? Yeah. Take a thousand Sorry. off it. Yeah. No worries. And contents there, we had noted a value of about 60,000, and that can be quite difficult to estimate the placement cost of all of your belongings. But would you change the asset value of your contents at all? I don't think so. We haven't gained anything of significance in No. that time. So, No. yeah, I don't I don't think so. That's I don't absolutely know what what fine. what what's kind of the average for a family in a three bedroom home. I don't even know. No. That's okay. Let me have a quick look for you. And just double checking. So three bedroom home, you said, and you guys have got three kids. Yep. Family of five. Okay. So average cost. So the average replacement cost are estimated for a family of five in a three bedroom home of typically between a 150 to 200,000. That's fairly Jesus. standard. I know. Yeah. No. Look. I I do not think that we have assets of that No. That's value okay. within our home. I mean, maybe increase it to 80 just for, you know, the cost of Yep. things nowadays, but Absolutely. I don't think we need to go that high. No. That's okay.","start_word":4450,"end_word":4680,"sentiment":"neutral","sentiment_score":-0.0834863173303666},{"text":"That's absolutely not a problem at all. Perfect. So I've just updated that for you. Fantastic.","start_word":4681,"end_word":4696,"sentiment":"positive","sentiment_score":0.5295310616493225},{"text":"And then I've also got down here that you guys are renting. You were were paying about 320 per week. Has your rent increased at all? It has. Yeah. It Yeah. So has. we're What now are paying we paying 4 now? $4.20. $4.20 per week.","start_word":4697,"end_word":4742,"sentiment":"neutral","sentiment_score":0.03892846405506134},{"text":"Beautiful. Thank you for Yeah.","start_word":4743,"end_word":4747,"sentiment":"positive","sentiment_score":0.43803271651268005},{"text":"updating those. That's Any alright. new cars, boats, caravans, investments, collections, or anything else of value you wanna note down at all? Nope. No? Beautiful. We also had noted that you hadn't done a will and power of attorney last year. I know part of the advice was to speak to a solicitor and have your power of attorney and will complete it. But have you guys thought about doing that or talked about it or had that done in the last twelve months at all? Thought about it? Yes. Have it done? No. No. That's It's understand. it's it's hard to think about doing a will when you Yeah. don't really think about the fact that we have much to put on it. Yeah. No. Understandable. Understandable. That's absolutely fine. It is still really important to do. I think one of the biggest things to consider when you're doing your estate planning, having a will done up, is taking into account your cars that might have to be sold off, you know, any tools of trade that you guys might have, but also take into account the power of attorney. So if you say, as an example, had a car accident and you were unable to make decisions for yourself, whether it be medical or financial, having a power of attorney in place as part of your overall estate planning means that somebody has direction as to what you want to happen in certain instances or how you want them to act on your behalf. But Yep. also because you guys do have kids having a guardianship in place. So if something Yeah. happens to the both of you, That what do would you be want the to biggest happen thing. to your kids? Yeah. Yeah. That would be the biggest thing for me more so than the the financial side of things. And Yeah. I know that sounds funny, but, I mean, it feels like to us, you know, we really don't have much to put on the wheel other than the fact of the care for the kids. Yeah. The other thing is, like, with the will, just the way you kinda can structure it, and this is a bit of an example. I mean, I've got kids to my ex husband as well as kids to my current husband now, and my will was set up so that everything I had would get sold and put into trust so my kids would be receiving income. Also, the person that looked after them, you know, the guardian would receive income to cover school costs and things like that. So the Yep.","start_word":4748,"end_word":5191,"sentiment":"neutral","sentiment_score":0.05509535500125305},{"text":"other aspect is being able to sell off your cars, boats, caravans, savings accounts, things like that in the event that something happened and what you want to happen to that money so it's to support your children for longevity. So there's, you know, a lot of things to kinda consider there, but having a really good chat to us, Melissa, can kind of give you guys a little bit more, you know, of an idea of what you want to happen and really kinda make you think about what it is what if something happened to us, and how would we want it structured, and how would we want the kids looked after, and who by?","start_word":5192,"end_word":5308,"sentiment":"positive","sentiment_score":0.4168354868888855},{"text":"And, you know, if I something happens to me, what do I want to happen? What questions do I want asked? And who do I trust to make those financial and or medical decisions on my behalf? So Yep. it it can be quite a powerful document, but I still do recommend going, you know, Yeah. speak to That a is solicitor something that and I have think that about, and it does Yeah. sort of it's it lives in the back of my mind if I need to do something Yeah. about it, but I haven't actually got anywhere near doing something about No. it yet. That's okay. Did we end up sending through some details on a local solicitor and some costing around the will and power of attorney side of things to you last year at all? Did anyone send that through? No. No. No. That's okay. If you like, we can do up a bit of an email with it's more of just a a general information email. It has a costing of one of the local solicitors that we use. It sort of shows you how much it costs to do a will and a power of attorney to start the Yep. conversation between you both, and that might sort of give you a bit of a helping hand there. And Yep. then, yeah, to start that conversation, then if you do have a local solicitor that you are comfortable talking to, you're welcome to kind of visit them as well and sort of have that conversation and look at how best to structure things outside Yep. of your super and your No. life That'd insurance to protect everything that you've worked so hard for. be Yeah.","start_word":5309,"end_word":5600,"sentiment":"neutral","sentiment_score":0.06504278752493532},{"text":"Beautiful. Well, I'll get that email done up for you. It's not a problem at all, but thank you for updating all those details good.","start_word":5601,"end_word":5625,"sentiment":"positive","sentiment_score":0.5013874769210815},{"text":"there. No worries. The other thing is looking at your goals as well. So we were tracking forward retirement around about age 65, hoping Yep. to draw about a thousand dollars a week. Is that still what we're tracking for with Super? I guess so. Yeah. Yep. Is Yeah. that That's okay. you know, I guess it's kind of just the average. I mean, we're not people that live on the extreme scale or anything like that. So No. That's okay. I mean, you know, it's always nicer to have more than than what you need, but if we can aim to have enough at that age, that'd be great. Yeah. Absolutely. And, look, you don't have to wait till age 65. If you decide at 60 you wanna retire, you can let me know. That's absolutely fine, and we'll make sure we update things as we are tracking towards those ages. The But way as the an under the way the current the world's going, it'll be 80 before we're where we retire anyways. Hopefully not. I want you to enjoy those years. No. All good. Well, I'll keep it at 65 for the moment. You Yep. still got a lot of time ahead of you. You've only just turned 34, so you've got a lot of time ahead of you before Yes. you're able to retire. So Yes. a lot of tracking and possibly advice alterations in that time frame that we'll be able to make for you.","start_word":5626,"end_word":5875,"sentiment":"neutral","sentiment_score":0.1221250776052475},{"text":"So beautiful.","start_word":5876,"end_word":5877,"sentiment":"positive","sentiment_score":0.7584115862846375},{"text":"Mhmm.","start_word":5878,"end_word":5878,"sentiment":"neutral","sentiment_score":0.313342809677124},{"text":"Excellent.","start_word":5879,"end_word":5879,"sentiment":"positive","sentiment_score":0.6287023425102234},{"text":"Other goals that we have noted down here, we were looking at sorry. Cash flow and budgeting. You just wanted to take some holidays every couple of years. Do you have any holidays planned for this year or not really yet? Not actually actioned, Mhmm. thought about, and, you know, in the back of my head, yes. Yep. Yep. That's it. But but not actually actioned as yet. Yep. I guess, you know, it it's all dependent on the world around us, isn't it? You Yeah. know, we're we're hoping that we can book in something sort of later half of the year. Yep. Hubby actually floated the idea of a a longer term use some of his long service leave at some stage, maybe next year.","start_word":5880,"end_word":6006,"sentiment":"neutral","sentiment_score":0.01977434940636158},{"text":"Nice.","start_word":6007,"end_word":6007,"sentiment":"positive","sentiment_score":0.35424208641052246},{"text":"Yeah. Go and do something a little bit longer than just a week here or a week there sort of type situation. But whether that actually comes to fruition, who knows? Yeah.","start_word":6008,"end_word":6039,"sentiment":"neutral","sentiment_score":0.10230670869350432},{"text":"That that'd be fantastic. That'd make some memories with the kids and get out and Yeah.","start_word":6040,"end_word":6055,"sentiment":"positive","sentiment_score":0.4604005217552185},{"text":"see some things. Yep. Yeah. That's right. I sort of said to him that number two needs to be reading and writing a bit better. Yep. He's he's only just started kind of this year, so I'm like, Yep. Wow. he he needs to be reading better and stuff like that before we can take them out of school for, you know, a few weeks Yep. at a time or something. Yeah. But probably before our number three goes to school, which is in about three years. So I'm thinking we might do something bigger next year, but Yeah. we'll Yep.","start_word":6056,"end_word":6156,"sentiment":"neutral","sentiment_score":-0.01170248445123434},{"text":"just see how it all plays out because we would also like to buy a house that Fantastic. well, whether that's actually achievable in this lifetime, who knows? Yeah. Absolutely. So purchasing a house on the cards there as well, that is great. We'll pop that down as a medium term goal.","start_word":6157,"end_word":6208,"sentiment":"positive","sentiment_score":0.5932758450508118},{"text":"I know it can be difficult. It's yeah. It Every is year, definitely you're the a goal. same. It's it's it's been an aim and a goal for of ours for about ten years. But, you know, Yes. I I often refer to the whole situation that we were standing on the dock and the boat left without us when COVID hit. Yes. Because Yes. we had our preapproval, we had our deposit, we were ready to go, and then everything went up by a 150 overnight, and Oh, wow. it kinda just left us standing there. Yeah. Wow. And so it was like we were we we literally got out preapproval in the March, Yep. and then the world just went the way that it did. And it's never really recovered. So, you know and life happens. And I very much live on the motto of you can't not do things based on short term inconveniences. Yeah. You know, Yeah. we wanted to have our family, and we wanted to do things like that. So you can't prolong that just because you wanna do something like buy a house. So, Yeah. you Absolutely. know, ultimately, I'm now back at work Yeah. permanently. We're not Yeah. having any more children. So now we can hopefully grow our financials and our life stability a bit better Yeah. and hopefully get to a spot where we can buy a Yeah. house. And we would also like to invest, but I don't know anything about it, and I find it very overwhelming to just think Yeah. about. You Yeah. know, we just ultimately wanna have financial stability and have that for our kids as well. Yeah.","start_word":6209,"end_word":6491,"sentiment":"neutral","sentiment_score":0.10800998657941818},{"text":"Beautiful.","start_word":6492,"end_word":6492,"sentiment":"positive","sentiment_score":0.44337424635887146},{"text":"But getting there is the challenge. Absolutely. No. Completely understandable. Well, when you guys are ready to look at investing, we can help you with investment portfolios similar to your super, look at joint structures, and look at ways to invest to build that kind of wealth outside of super.","start_word":6493,"end_word":6542,"sentiment":"neutral","sentiment_score":0.19096290469169616},{"text":"So if that is something that you just wanted to have a joint conversation with me about, we're absolutely happy to help and provide additional advice in those areas for you.","start_word":6543,"end_word":6573,"sentiment":"positive","sentiment_score":0.5861208438873291},{"text":"How how does it work? Yeah. I just I guess, Sure. ultimately, the biggest thing is I don't understand anything about investing. And Yeah.","start_word":6574,"end_word":6597,"sentiment":"neutral","sentiment_score":-0.13172799348831177},{"text":"the little bits that I do, I I just find very Go hard on me.","start_word":6598,"end_word":6612,"sentiment":"negative","sentiment_score":-0.33576005697250366},{"text":"to follow and Yeah. overwhelming to understand how to get going. Yeah. I guess the biggest thing is getting started. No. Absolutely. It's taking that plunge, and I think that's probably the hardest thing. So what we would sort of wanna see is if you have, you know, saved up a little bit of money, some investment platforms that are comfortable with, you know, 1 or $2,000, whereas others might need a a good deposit of 20 or 30 to make it worthwhile. But we have access to lots of different investment structures like Hub twenty four, like your super, or other investment platforms that require a smaller balance of, say, 1,000 or 2,000. So we wanna sort of see what you've got as a deposit or as an initial investment amount, build Yep. a portfolio around what your goals are. In as I mentioned in your super, you've got that growth asset allocation of $80.20 split between growth and defensive investments. Whereas we do tend to find when you're investing in your own name outside of super, because you can access that money in the short term, you tend to be a little bit more risk averse. You tend to not wanna take as much risk as what you're comfortable within your super. So we wanna sort of have a look at what both of you feel, you know, do a risk profile questionnaire between the two of you to sort of see how you feel about investing, what you're comfortable with risk wise, and how much return you're looking to achieve. We'd also Yes. wanna find out the time horizon, how long you're wanting to invest for.","start_word":6613,"end_word":6891,"sentiment":"neutral","sentiment_score":0.08192355185747147},{"text":"I would personally never invest money that you wanna use in the next three to five years.","start_word":6892,"end_word":6908,"sentiment":"negative","sentiment_score":-0.46295398473739624},{"text":"Investing, same as super, is meant to be a long term sort of, project and Yep. medium to long term. You wanna invest for five plus years, because investing money for a longer time allows you to compound.","start_word":6909,"end_word":6946,"sentiment":"neutral","sentiment_score":0.13918788731098175},{"text":"One of the biggest, most powerful things we have is compounding. It's when Yep.","start_word":6947,"end_word":6960,"sentiment":"positive","sentiment_score":0.4209902584552765},{"text":"you say put a thousand dollars. If you put a $100 into an investment, it makes you a $100.","start_word":6961,"end_word":6979,"sentiment":"neutral","sentiment_score":0.30272454023361206},{"text":"That $100 is then reinvested, and that $100 makes another $200.","start_word":6980,"end_word":6990,"sentiment":"positive","sentiment_score":0.3595069348812103},{"text":"And then, like, you know, you reinvest that.","start_word":6991,"end_word":6998,"sentiment":"neutral","sentiment_score":0.28134456276893616},{"text":"So your capital makes interest.","start_word":6999,"end_word":7003,"sentiment":"positive","sentiment_score":0.3813912868499756},{"text":"That interest reinvested compounds and becomes, you know, compounding interest, essentially.","start_word":7004,"end_word":7014,"sentiment":"neutral","sentiment_score":0.32100680470466614},{"text":"So that's where the power of investing comes from.","start_word":7015,"end_word":7023,"sentiment":"positive","sentiment_score":0.4208008944988251},{"text":"And, realistically, Yep. to invest in a a portfolio like in shares or managed funds like your super, we just wanna make sure that you're comfortable investing for about, you know, 5 plus years to get the benefit of doing so. We review them every year. One of the biggest things to sort of take into account is when you're investing in your own name, you actually have to account for income and growth as part of your tax returns. So That's right. we do Yeah. have And that's what I said to Diane. I'm like, there's tax implications and all the rest of it. You can't just put money in it, and it just earns more money. It's like there there's other yeah. things Yeah. that it it comes into play when you start doing things like that. And then Yeah. it's also There you know, are. is it worth us investing before we've bought a house? I don't I don't like, how much do we then have to continue to put in Yeah. Yeah. to And continue that's the growing other thing. that? Absolutely. And, look, the and for the for the most part, investing in most structures, you do have to account the income and your capital gains in your personal tax return. If it's jointly, you you might be 50%. You get discounts and things currently on your tax returns and things like that.","start_word":7024,"end_word":7261,"sentiment":"neutral","sentiment_score":0.09506654739379884},{"text":"You can also claim if you get dividends that are paid out.","start_word":7262,"end_word":7273,"sentiment":"positive","sentiment_score":0.38101616501808167},{"text":"If they're paid out of Australian companies, we get franking credits, which also provide deductions.","start_word":7274,"end_word":7288,"sentiment":"neutral","sentiment_score":0.3236559331417084},{"text":"There's lots of cool fun things that your accountant can do with your investments, but there's also other investment structures like bonds that you invest money in for, say, ten years if you're comfortable investing for that long. And the income of the growth is all sorted and looked after inside that bond. So you actually don't have to account for those every year on your personal tax return. So there are ways to invest in different different structures where it's not gonna affect your personal income tax side of things. It's, you know, long long term investing. There's lots of different fun things that we can look at that we can do. It all comes down to what your goals are, and that Yes.","start_word":7289,"end_word":7413,"sentiment":"positive","sentiment_score":0.4899996221065521},{"text":"kinda comes back to the question about whether you invest in a portfolio or buy a house first. It all comes down to what's more important to you. Is it buying that house and having that place for your family to live in your forever home or, you know, your first home to get you out of the rental market? Or are you more comfortable putting a bit of money away and maybe growing wealth to supplement, you know, super down the track or to, you know, put some money away for university for the kids or to just, you know, hopefully retire a bit earlier. It Is all it just wrong comes to down say to both? what your thoughts are. Absolutely not. Absolutely How do we do not. both and make it work? Absolutely not. The other side of that is if you wanted to do both, we can always look at your budget, look at your budget planner, and sort of work out where your money is going and how you can save for a deposit over here and then also invest over here, how much you would need to put in.","start_word":7414,"end_word":7608,"sentiment":"neutral","sentiment_score":0.15321023762226105},{"text":"Because one of the biggest things is you have that initial deposit for your investment, but then you also do wanna like, you're super with your super contributions, you also do wanna be making regular deposits into your investments. That does help it grow. Investments will only work so far without having additional contributions. Keep you know, continuously putting capital in is really important as well. So there are ways to do both of those.","start_word":7609,"end_word":7683,"sentiment":"positive","sentiment_score":0.4532092761993408},{"text":"It just comes down to what your goals are, what's important to you, your time horizon, how much risk you're willing to take on, how long you wanna invest for, and what kind of money you have available to you as well so that we're not over extending and putting money away that you might need to pull out in the short term and, you know, cement losses and things like that. So there's Yes.","start_word":7684,"end_word":7758,"sentiment":"neutral","sentiment_score":0.17511282861232758},{"text":"lots of things that we take into account when we are investing, and I'm absolutely happy to have more of a conversation with you both about it, look at what your goals are, look at how we can structure things to benefit you, to build long term wealth, and, you know, hopefully, get you to retire a bit earlier before super accessibility or even to supplement super or even to, you know, be able to use as a deposit in the next ten or so years to buy a house.","start_word":7759,"end_word":7848,"sentiment":"positive","sentiment_score":0.5563852190971375},{"text":"Yeah. So there's Well, lots look, of I different I'm hoping we'll be in a house before ten years.","start_word":7849,"end_word":7867,"sentiment":"neutral","sentiment_score":0.024840539321303368},{"text":"Beautiful.","start_word":7868,"end_word":7868,"sentiment":"positive","sentiment_score":0.6747598648071289},{"text":"I I would I would like to say a house goal is probably more of a a two to five years. I I I would like to I mean, on the shorter side of that two to five years, probably two Yeah. to three, but, Yeah. realistically, you know, Absolutely. with the world, it's hard to put a shorter time frame on it because it just feels like you're just never getting ahead. Yeah. I said to someone the other day, I'm like, how long are you meant to keep on the treadmill of doing the same thing and still not getting anywhere? Yeah. And I guess that's where where on the do we invest? Do we buy a house now? Do we what, like, do we get a hubby's dad to help us with buying a house and go guarantor for it? Like, what what someone tell me what Yeah. Yeah. Absolutely. And, look, I mean, worst case, if you just wanted to look at buying a house, we can also refer you through to a mortgage broker. So we do have lots of different mortgage brokers that we have access to. Mortgage brokers are at no cost for yourself, and they can even just have a look at your borrowing capacity, you know, and see what you might be able to buy, how much of a deposit you have, what the options are at there for you as, you know, a first home buyer, what grants you may have access to, whether you need to have a guarantor. So we can always refer you through to a mortgage broker to have that conversation with them as well, look at borrowing capacity and see, you know, what's available to you, or, you know, do you just hold off for six months and and, you know, put a bit more money away. So there's also that option. And as I mentioned, the mortgage broker is just a referral through. They'll give you a call. They're no cost to you. They're paid by the bank. They write the loan through. They get commission for those sorts of things. Yeah. So I oh, actually did a little bit of work for a mortgage broker. Oh, nice. Nice. Yeah. I just did a bit of filing and just distance. Yeah. I did it from here. She's based in Melbourne. She's actually she was a partner of Oh, a lovely.","start_word":7869,"end_word":8274,"sentiment":"neutral","sentiment_score":0.0658042217086395},{"text":"good friend.","start_word":8275,"end_word":8276,"sentiment":"positive","sentiment_score":0.3711298704147339},{"text":"I don't know if you guys would be connected to her or not, but she's doing amazing things in the the mortgage Oh, broking fantastic. world. But I guess then when you've got the connection with them, it's kinda like, do you actually wanna go through them? Yeah. Yeah. Sometimes it's easy to have someone you don't know so personally combing through your financials. Yeah. Absolutely. No. Absolutely fine. And, look, it's it's much of a muchness. It's really dependent upon what your preferences are. So, I mean, you guys have a conversation, talk about what is you're after.","start_word":8277,"end_word":8375,"sentiment":"neutral","sentiment_score":0.06640086323022842},{"text":"If you want another conversation with me come back, I'm more than happy to do so. If you wanna refer to a mortgage broker, I can organize that nice and easily for you.","start_word":8376,"end_word":8408,"sentiment":"positive","sentiment_score":0.676655650138855},{"text":"I And think if you do the wanna first get thing Bye I bye. don't know if Yeah. it's of cost or how it works in regards to having Yeah. a chat in regards to, I guess, the financial advising sort of type side of things in whether Yeah. we do invest now or later or where we're at sort of type situation Yeah. with things like that. Yep. How would we go about organizing a chat like that, and what would Just with the myself? cost of that? Yes.","start_word":8409,"end_word":8498,"sentiment":"neutral","sentiment_score":0.1337427943944931},{"text":"You guys just let me know what you wanna do. To have a conversation, there's no cost for that whatsoever.","start_word":8499,"end_word":8518,"sentiment":"positive","sentiment_score":0.4246818721294403},{"text":"If we do build an investment portfolio, we do charge or similar to your sleep, we do charge an ongoing management fee for doing so. Obviously. And I'd Yep. sort of give you a bit more of an in-depth chat around what that is together there. If you are just looking for, you know, one of piece of advice in relation to, you know, budgeting or savings and things like that and some personal advice documents, we do charge 750 out of pocket for that one.","start_word":8519,"end_word":8604,"sentiment":"neutral","sentiment_score":0.2533484101295471},{"text":"But it it can just be a general conversation if you just want some general advice or even just a strategy paper, noting down just a couple of different options. That's all fully complimentary. So I can do Okay. a lot of different things depending on what you're after, what you're comfortable doing.","start_word":8605,"end_word":8657,"sentiment":"positive","sentiment_score":0.40654221177101135},{"text":"And the first thing is to get a time when the both of you are there together to really talk about what your goals are. I can send you out a budget planner if you like that you can sort of sit down and maybe go through and Yep. sort of fill out if you'd like to to kinda get an idea of where the money is going, how much you've got coming in, where it's all kinda being spent to. Yep. And then when I you're I comfortable I do event yeah. I do occasionally go back over the budget. I don't I I have a budget, but I don't Yep. necessarily have a rock solid budget that I fill in all the time. Like, I have a Yep. budget. I know what comes in. I know what goes out. I know what we're left with, Yeah. and I know where that's going. But Yep. I guess I probably should review it more often than I do. Yeah. Absolutely. And, look, when you are when you get booked in and we wanna have conversation with the both of you together, you know, I'll get you to send it to me. We can always go through, have a talk about where the money is going, look at some different options, look at, you know, where you could cut back, where, you know, it might be too hard to cut back.","start_word":8658,"end_word":8897,"sentiment":"neutral","sentiment_score":0.15577865072215596},{"text":"There's lots of different options that we can do, and worst case general advice is completely complimentary. There's no charge whatsoever for just me giving some general advice or Yep. referral if that's what you need.","start_word":8898,"end_word":8933,"sentiment":"positive","sentiment_score":0.3852189183235169},{"text":"So there's a lot of different factors that play into what advice we give and how it works best for you. But I think the first thing is just coming back to having that conversation with the both of you, looking at what what your goals are, what you both wanna achieve together. And before we have that conversation, I think I would suggest that the two of you just talk about it. Sort of, you know, go what's important to you, what's important to him. You know, do you wanna do both? You know, do you wanna just sort of have that conversation about what your goals are together, what you each wanna achieve, and, you know, sort of come to a bit of a compromise on what's comfortable for you both. And then Yep. we'll come back and have more of a conversation around that and look I think at everything we're both in-depth fairly and well on the same page. We just don't know how to beautiful. get there.","start_word":8934,"end_word":9105,"sentiment":"neutral","sentiment_score":0.2547963857650757},{"text":"No. We can absolutely help you with that. It is not a problem at all. It's what we do as financial advisers.","start_word":9106,"end_word":9127,"sentiment":"positive","sentiment_score":0.5107715129852295},{"text":"So, Yeah.","start_word":9128,"end_word":9129,"sentiment":"neutral","sentiment_score":0.17983222007751465},{"text":"you know, looking forward to helping you meet all those different goals, and I'd love to do a a joint conversation with the both of you and really Yeah. not out what you're after, what you want, how we achieve that, and have more of a, you know, a goals chat with you both. That'd be fantastic. Yeah. Beautiful. Yep. I'd love to to organize that at some stage in the near future. Absolutely.","start_word":9130,"end_word":9203,"sentiment":"positive","sentiment_score":0.5544863343238831},{"text":"I'll have to just nut out when we can do that when there's no kids around. Yeah. No. That's absolutely fine. This is not a problem at all. But in the meantime, it looks like at the moment, your sleep is working really well. There's Yeah. Sorry. no additional I went a little bit off right off No. track there, You didn't are I? fine. And, look, honestly, that's what this is for. This is what your annual review is for, looking at how things are going with your super insurances, but, also, is there any other advice that you're after? You know, do you have extra questions or anything else that you might be looking at? So we're here to help in all those areas. Yep. So, no, you you can use this time for whatever you want. It's it's your time. I work on your time, so it's fine. But, no, honestly, it is you're sorry. You're right? No. Yeah. No. That's yeah. All good. You were saying sorry. Before I rudely interrupted again. No. You are absolutely fine, honestly. So, look, with your super, there's no additional advice right now to sort of provide. What I'll do is I'll just go back and just have a look to make sure that your super is allocated correctly within that growth portfolio. If you're still comfortable with that eighty twenty split, I probably Yep. just wanna do a really quick risk profile questionnaire with you, which was actually answered most of. Yep. The only sort of three questions to sort of gauge there is if you did see, like, a big market difference, say, 20% fall in your portfolio over the next, you know, one, two, or even three years, if you saw something big occur, how do you think you might be feeling? Do you think you'd see it as a buying opportunity? Wanna put some more money into your super, maybe hold and wait and call us? Or do you think you'd be a bit nervous and wanting to sell or cement the losses? How do you think you might be reacting? I think I'd hold and wait. Yep.","start_word":9204,"end_word":9565,"sentiment":"neutral","sentiment_score":0.04542164566273189},{"text":"Perfect.","start_word":9566,"end_word":9566,"sentiment":"positive","sentiment_score":0.34756243228912354},{"text":"I'd I'd I don't think I would necessarily be throwing more at the sinking ship. Yep. But I also don't think I'd be removing Hold everything either. I think it would be a a wait and see and discuss hold with you away. guys, I guess. Let it come through. Yeah.","start_word":9567,"end_word":9617,"sentiment":"neutral","sentiment_score":-0.18540018796920776},{"text":"Absolutely. Perfect.","start_word":9618,"end_word":9619,"sentiment":"positive","sentiment_score":0.3647837936878204},{"text":"The next question here is how do you consider yourself when you think about the risk versus reward balance? So that essentially shows you that in order to get the highest returns, you've gotta be willing to take on more risk in the market. But to take on higher risk and to get the greater returns, you've gotta be understanding that you're gonna see those downtimes. And the more risk Yep. you take, the higher the reward, but also the deeper the drops can be when you're feeling them. Do you think you'd be taking on the highest level of risk to get the best returns you can? Do you think you'd be more moderate, conservative, taking a medium amount of risk to get the best returns you can, or do you consider yourself very much a low risk taker, understanding the returns are smaller with that sort of risk? I would say I'm medium to high Medium? in regards to the whole long term investing and all the rest of it. I would say I'm medium to Yep. In urging in between on to one the, and two? Yeah. which I think is about That's where we're sitting, isn't fine. it? Yeah. Yeah. Absolutely. When you sort of think about the growth portfolio, if you consider the risk level between sort of one to five, one being the lowest risk portfolio, five being a 100% in equities and no defensive investments, you're sort of in between that three to four mark. So one is like Yes. a sorry. Five is a 100% invested in equities. That's more of an aggressive portfolio. Four is more of a high growth at ninety ten kind of split of growth versus defensive. And then you're sitting in that sort of 80 to 20 split, and that's kind of just under that high growth environment there. So you're Yes. not at the highest, not at the lowest, sort of in the middle kind of ground area, which is sort of where I see your comfort level setting. Yeah. Yep. The growth portfolio, as I kinda mentioned, we're aiming to try and get a seven to 9% return. It suits someone who has six years before accessing super. You've got well and truly more than that, and we expect negative return kind of one in every five years. So it does sort of suit where you're at time horizon wise. It sounds like your comfort level is quite comfortable in there as well, so I wouldn't wanna change that. Does that sound right? Are you happy Yes. in Yeah. that kind of environment? Yep. A 100%. Like, as as you're saying, I've got quite a long time before I need to think about retiring. Yeah. And I'm at the position that I'm back at work, and I'm willing to take a bit more risk in that regard because, as you said, the whole compound is Yeah. our benefit. So kind Absolutely. of the more growth I can get in the next ten years, I guess, the better Yep. to Yeah. be able to grow Definitely. that. Definitely.","start_word":9620,"end_word":10141,"sentiment":"neutral","sentiment_score":0.00989182698772328},{"text":"Perfect.","start_word":10142,"end_word":10142,"sentiment":"positive","sentiment_score":0.4684796333312988},{"text":"Well, what I'll do, I'll just go back and just make sure that your growth and defensive assets are still in line with that $80.20 split. Yep. If there is a a need to rebalance, I'll send a a record of advice out to you. If there's not, I'll just shoot you an email, let you know that we don't need to make any changes right now, and we'll catch up in six months' time. Yep. Mhmm. I'll also just make sure we get that email out with the the details of the solicitor's information there for you. Okay? Yep. And you've got your annual review pack there as well, and that has our financial services guide. It's got those documents that we went through as well. It does also have a lovely index chart for you which shows you market reactions and how different investment classes react and why we invest the way we do and how when we do see a downtime, it's important to hold and wait. At the worst case, some people see it as a buying opportunity and wanna put more money into it. But best case scenario, if you're not willing to do so, just hold and wait. Markets do recover. It just depends on how long it takes for them to recover and how much risk you are taking sort of plays into that effect. But Yep. all the investments that you're invested in have seen those ups and downs. They've seen DFC Yeah. events and COVID events, and they've gone through those, and they've come out and recovered from those.","start_word":10143,"end_word":10410,"sentiment":"neutral","sentiment_score":0.08970660352106415},{"text":"So you can rest assured that you're in good quality investments, and that will make sure that we review those with you regularly and make changes as we need to as well.","start_word":10411,"end_word":10442,"sentiment":"positive","sentiment_score":0.4533973336219787},{"text":"Does that make Yep. sense? Yep. Yep.","start_word":10443,"end_word":10449,"sentiment":"neutral","sentiment_score":0.1730460524559021},{"text":"Beautiful.","start_word":10450,"end_word":10450,"sentiment":"positive","sentiment_score":0.6364304423332214},{"text":"The only other thing on there is the ongoing service agreement. So that is attached for you as well. That when you click on the sign document, that is the one that is gonna ask you to sign. Your Yep. ongoing service fee is 1.1%, and that's because yourself and your partner are both clients of ours. So we look after both of you and have a reduced fee for the two of you. Yep. That essentially just is deducted at 1.1 on a yearly basis. Now fee is deducted in smaller monthly increments, so it comes out on a monthly basis in smaller amounts. And it fluctuates with the market. So as a percentage based fee, it does go up and down and fluctuate with markets. So when the markets are higher, when you've had this probably 10% return, it means that we are gonna earn a little bit more. However, when Yep. the markets take a bit of a dip, your fee will dive with it as well. So about making Yep. sure that you're getting those returns as well. Does that make Yep. sense? Yeah. Yep.","start_word":10451,"end_word":10639,"sentiment":"neutral","sentiment_score":0.08692340399064714},{"text":"Definitely. Beautiful.","start_word":10640,"end_word":10641,"sentiment":"positive","sentiment_score":0.5259402394294739},{"text":"And I've Do you I've I've yeah. I've passed you guys on to a couple of people.","start_word":10642,"end_word":10658,"sentiment":"neutral","sentiment_score":0.20638971030712128},{"text":"So Fantastic. I've got a couple other people that I've spoken with that it's amazing how many people have just got super Yeah.","start_word":10659,"end_word":10681,"sentiment":"positive","sentiment_score":0.5460823774337769},{"text":"Yep. that they've done nothing with. And, I mean, I was Lovely. one of those. And, you know, as I Yep. said, after having kids and that, I was like, you know, I need to do something with it. Yeah. And, yeah, it's amazing how many people are just still sitting on their super Absolutely. that they've been with for, you know, thirty years, twenty Yeah. years. No. Absolutely. And, look, we do have the referral program as well. So if you do refer us on to anyone and they do come on board as a client, we do send out a $100 gift card to you as well. So Oh, yes. just to say Yep.","start_word":10682,"end_word":10797,"sentiment":"neutral","sentiment_score":0.13185296952724457},{"text":"thank you for the referral.","start_word":10798,"end_word":10802,"sentiment":"positive","sentiment_score":0.5013729333877563},{"text":"So if anyone does sign on, we'll make sure we give that to you. So just let them know that, you know, if they do come and give us a call or if if there's someone that just wants us to reach out, you're welcome to let us know, provide them information as long as they've given you permission Permission. to do so. Yep. And we can always reach out to them and have a conversation, introduce ourselves, and explain what financial advisers do.","start_word":10803,"end_word":10886,"sentiment":"neutral","sentiment_score":0.19425205886363983},{"text":"And, yeah, happy to help anyone that we possibly can.","start_word":10887,"end_word":10896,"sentiment":"positive","sentiment_score":0.5656564831733704},{"text":"We're pretty honest. We'll always do the research first, and then if we're not able to help, we'll let them know. But, yeah, it's always worth having that conversation and looking at what someone's got and when and if financial advice is appropriate to their circumstances. So, no, Yep.","start_word":10897,"end_word":10945,"sentiment":"neutral","sentiment_score":0.14890421714101518},{"text":"thank you for that. Really appreciate it.","start_word":10946,"end_word":10952,"sentiment":"positive","sentiment_score":0.6361591815948486},{"text":"No. Well, I mean, you guys I I've been impressed with what you guys do. So, Thank you. I mean I mean, I'll be honest. I was very skeptical of that Absolutely when understandable. I I I am very much like that. But then once I'm in, I'm I'm pretty, you know, I'm pretty comfortable. So Yeah. Yeah. when Dwayne first changed over, I was a bit skeptical about Absolutely. everything, but he did his due diligence and so did I. So, Yep.","start_word":10953,"end_word":11035,"sentiment":"neutral","sentiment_score":0.021494576707482334},{"text":"I mean, so far, we're pretty happy. So yeah. Fantastic. Thank you so much for that.","start_word":11036,"end_word":11051,"sentiment":"positive","sentiment_score":0.504599928855896},{"text":"If I was to get my admin team to send out a a link to our website, would you be open to adding a review there for us at all? Well, this is a business sometimes having word-of-mouth and or online reviews is kinda helpful for other people to look us up as well. Would that be something you're comfortable doing? If you're not, that's absolutely fine. Sure. Yep. Yeah.","start_word":11052,"end_word":11121,"sentiment":"neutral","sentiment_score":0.16517630219459534},{"text":"Beautiful.","start_word":11122,"end_word":11122,"sentiment":"positive","sentiment_score":0.4630843698978424},{"text":"I'll in the email, I'll add the little link there for you just to sort of pop onto our website.","start_word":11123,"end_word":11142,"sentiment":"neutral","sentiment_score":0.3195044994354248},{"text":"If you're comfortable leaving your review, that'd be fantastic.","start_word":11143,"end_word":11151,"sentiment":"positive","sentiment_score":0.4857492744922638},{"text":"And, yeah, we just kind of use that. So, you know, if anyone's looking us up or looking for an adviser, it's kinda handy to have, you know, clients who are really happy with the services to leave a bit of a review there. So I'd really appreciate it, but, look, I don't wanna hold you to it. So if anything comes up, that's okay. You're busy with three kids too.","start_word":11152,"end_word":11222,"sentiment":"neutral","sentiment_score":0.18585683405399325},{"text":"So but thank you so much.","start_word":11223,"end_word":11228,"sentiment":"positive","sentiment_score":0.3498014211654663},{"text":"I'll add the link to the email there for you. Okay. Yes. No.","start_word":11229,"end_word":11241,"sentiment":"neutral","sentiment_score":0.11253950744867323},{"text":"That's fine. Oh, fantastic.","start_word":11242,"end_word":11245,"sentiment":"positive","sentiment_score":0.5289584994316101},{"text":"The only other question I had in Yeah. regards to the whole investing side of things, what's Sure. your thoughts or opinions on, like, Yep. these micro investing apps? They're not bad at all. So one of the benefits of the biggest thing with investing in the Australian market is that you have to, on the ASX, we have what's called a chest registration, which means that every share you buy is registered to your name. These micro investing apps essentially pool money with other investors and allow Yes.","start_word":11246,"end_word":11334,"sentiment":"neutral","sentiment_score":0.1940058320760727},{"text":"you to buy partial amounts of shares, and there is absolutely nothing wrong with them. They are still investing in the market. You do still receive income and growth. You can buy smaller parcels of shares and partial amounts, which is great. You do still have to make sure you get your your income statements every year to have on your tax return, but there's absolutely nothing wrong with them, and it is a great way to start that out.","start_word":11335,"end_word":11414,"sentiment":"positive","sentiment_score":0.5425105690956116},{"text":"Sorry. I would just do a bit of due diligence to have a look at what the information is. But if there's one that you're looking at that you're interested in, you're welcome to send it to me. I can have a look at the pros and cons for you, you know, read up on the websites and see what I can find out information wise, but there's absolutely nothing wrong with those sorts of web sites.","start_word":11415,"end_word":11491,"sentiment":"neutral","sentiment_score":0.11014582216739656},{"text":"They are great to start with and allow you to invest with as little as $20 sometimes. So Yeah. I think they're great for helping people to start off. They're not always anything that you wanna be in for the longer term, but they're a great way to start and to build a investment portfolio from scratch with a smaller amount of money.","start_word":11492,"end_word":11554,"sentiment":"positive","sentiment_score":0.4800351560115814},{"text":"Nothing Yeah. wrong with them Okay. at all. Is there Yeah. any that you would recommend? It really depends. I personally use a couple of different ones. There are like, stake isn't a bad one. It's not so much micro investing for the ASX, so it does micro investing for The US. There are, I believe, spaceships is not bad either. Let me have a look at the other ones here. Sorry. I'll just pull a few up because Yeah. I can't Because remember it says the name of raise, all of them. there's shares, these Yeah. space ships. There's quite a few. I've looked at them as I said. I I have looked into the whole investing side of things, but then I just I I don't know where to start. Yeah. Yeah. I don't No. know Absolutely. if it's the right thing to do. I don't know if it's, Yep. Yeah. So, like, Comsec Pocket is owned by Commonwealth Bank and part yeah. of Comsec, and they let you trade with a minimum of $50. They have, from what I can see here, a $2 brokerage fee per trade of up to 1,000, so that's not too bad. And they let you buy smaller parcels. Raise is probably one of the first that came out. They have a minimum of $5 to start. They do pay the they charge $3.50 per month for standard accounts. But as long as you're making more than that $3.","start_word":11555,"end_word":11801,"sentiment":"neutral","sentiment_score":0.07423825577082421},{"text":"50, it does work out worthwhile. I've heard good things about spaceship.","start_word":11801,"end_word":11812,"sentiment":"positive","sentiment_score":0.3900275230407715},{"text":"They don't require any minimum starting balance, I believe. And fees, it says $00 per month for balance is under $100, and then they charge $3 per month for standard portfolios once your balance hits that $100 mark.","start_word":11813,"end_word":11850,"sentiment":"neutral","sentiment_score":0.25320619344711304},{"text":"That's actually not bad because they're starting up quite small.","start_word":11851,"end_word":11860,"sentiment":"positive","sentiment_score":0.3950525224208832},{"text":"And shares, these look like there's another one out there as well. There's no minimum there, and their fee structure is more percentage based. So that one, I'd probably wanna read a bit more about the percentage based there, but I've heard really good things about all of those different micro investing platforms.","start_word":11861,"end_word":11913,"sentiment":"neutral","sentiment_score":0.22528034448623657},{"text":"But in all honesty, there's absolutely nothing wrong with them. They're a great way to start with very small amounts of money. And often with some of them, you can even do, like, roundups. So have it linked if you go and buy a coffee and it rounds up to the Yeah. nearest whole dollar or nearest $5 to help you invest regularly, which is a good thing too.","start_word":11914,"end_word":11982,"sentiment":"positive","sentiment_score":0.47552892565727234},{"text":"So, Yep. yeah, nothing Yes. wrong with them at all. Yeah. That's alright. I just thought while I was talking to you, I'd ask the question.","start_word":11983,"end_word":12008,"sentiment":"neutral","sentiment_score":0.023223965966071073},{"text":"That's absolutely. That's what I'm here for. It's not a problem at all.","start_word":12009,"end_word":12021,"sentiment":"positive","sentiment_score":0.5278524160385132},{"text":"No worries. Well, was there anything else that you needed to touch on with No. me? That's that's basically everything that we've gone through today. All the other thing is I'll get those beneficiaries sorted out for your one That's pass right. as well. So we'll pre Yep. fill that information out and help you along with that one.","start_word":12022,"end_word":12080,"sentiment":"neutral","sentiment_score":0.1484743058681488},{"text":"Perfect. That's everything they've gone through, so feel free to review the annual review documents. If you find there's any questions, let me know, and I'll get those follow-up things sorted for you.","start_word":12081,"end_word":12113,"sentiment":"positive","sentiment_score":0.397253930568695},{"text":"Okay?","start_word":12114,"end_word":12114,"sentiment":"neutral","sentiment_score":0.20976923406124115},{"text":"Perfect.","start_word":12115,"end_word":12115,"sentiment":"positive","sentiment_score":0.5941207408905029},{"text":"And I'll have a chat with Ryan, and we'll work out when we Yeah. might be able to Absolutely.","start_word":12116,"end_word":12134,"sentiment":"neutral","sentiment_score":0.19644932448863983},{"text":"More than happy to do it anytime. I hope you have a lovely afternoon. have a chat with yourself.","start_word":12135,"end_word":12153,"sentiment":"positive","sentiment_score":0.637582004070282},{"text":"Yes. Well, my afternoon is about to be dinner, baths, Yep. And bad. and then all that. All all that sort of stuff. Absolutely.","start_word":12154,"end_word":12177,"sentiment":"neutral","sentiment_score":0.04499094560742378},{"text":"Well, you Well, thank have a you lovely very much.","start_word":12178,"end_word":12187,"sentiment":"positive","sentiment_score":0.5758514404296875},{"text":"evening.","start_word":12188,"end_word":12188,"sentiment":"neutral","sentiment_score":0.2296281456947327},{"text":"Thank My you very pleasure. much Thank for you the so much for your time, Belinda. Anytime at all. I'll talk to you soon. You have a great afternoon. Thank you call. for your time. Sounds good. Thanks, Dana. Thanks. See you later.","start_word":12189,"end_word":12231,"sentiment":"positive","sentiment_score":0.63374924659729},{"text":"Bye. Bye.","start_word":12232,"end_word":12233,"sentiment":"neutral","sentiment_score":0.23204144835472107}],"average":{"sentiment":"neutral","sentiment_score":0.13372335851315312}}}}