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Yep. Sounds good. While you do kind of get that set up, as long as you can still hear me, just want to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And just for security purposes, just to, make sure I'm speaking with the right person, could you confirm your full name, date of birth, and address for me, please? Yep. Yes, please. Perfect. Did you get that all set up, or are you still kind of getting the headset sorted? Yes. Can you hear me okay? Perfect. How's your day been so far? Been busy? Well, I will try not to keep you for too long. But before I kind of jump into that annual review, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any areas you would like me to focus more on or whether it's just a bit of a catch up to see where everything's at? Not a burning question. No. That's okay. I'll I'll go through everything with you. And, obviously, if anything comes up, just feel free to ask away. Yep. Yep. Perfect. Okay. Perfect. So the first thing I will run through with you is just a bit of an updated fact find on our end just to see if there's anything that has changed since we spoke to you last and if there is any, you know, changes we need to do to your advice. So just kind of bear with me as I go through and check off these things. Now when it comes to your personal information, I have you down here as married with two financial dependents. Is that still the case? Yeah? How how old is the oldest? Yep. Especially with the especially with today's living expenses and house prices and rental, it's making it harder for people. Yeah. Perfect. Now yeah. Yeah. Now next up, can I have Cassandra nominated? That's correct? Yep. I don't have a phone number nominated for her, though. Would you be able to provide that to me? Yep. Seven nine. Yep. 855. Perfect. Thank you so much. Now when it comes to your employment, has anything changed, or you're still a electrical project manager? Yeah? Okay. Who were you working for now? How do you spell that? Sorry? Yep. Perfect. And still kind of doing the same yeah. Okay. Perfect. Oh, great. Power. Yep. Perfect. Still doing kind of the same role just for the different company. Yep. Okay. To a a new occupation or new employer again? New employer. Okay. Yeah. And when did you start this one? Oh, okay. Yep. Yeah. Sometimes you know, though. If it's not the right for you and if there's other opportunities out there, then, you know, you gotta do what's best and where you enjoy working. That's what a lot of people say when they do work in the government space. That is, you know, a little benefits and stuff like that. Yeah. Pretty big difference. And pay wise, what are you on at the moment? Forty two. Alright. Perfect. And your employer currently, they still just pay you that standard 12% contribution interest fee for, like, there's no EBA or anything like that in place? Twelve now. Yep. It increased. Yep. Just like the standard. Yep. Perfect. Now asset and liability wise, I have here that last time we spoke to your property was valued at about 1.1. Is that still the case, or is that about the same? Yep. And mortgage about 494? That's good. Yeah. Sure. Oh, perfect. And also, two motor vehicles, side at about 32,000? About that? Yeah. And and about 60 in the offset account? About 90. Perfect. Do you have any other new assets that we haven't gone over otherwise? Like, any motorbikes or no, any other liabilities, like personal loans, credit cards, ZipPay? No. Perfect. Now when it comes to health and lifestyle, I have you down here as a nonsmoker. Is that still the case? Perfect. And any changes to your health otherwise? Any significant health issues or injuries or anything? Nope. Great. How's that going? Yeah. That's good for you. Yeah. Well, that's fun. And do you have private health insurance? Yeah. Perfect. And that's hospitals as well? Yeah. Great. Perfect. Especially with your high income, you don't wanna obviously be paying their additional medical levy searches if you don't hand it have it. Yeah. Yes. Because that reduces that. And then sometimes sometimes you actually end up paying less with the private health insurance depending on your health and age and stuff like that. Whereas sometimes it's, like, maybe a little bit more, but then at least you have a private health and you don't have to add a tax. So it's definitely worth considering Extra. Yeah. Yep. Yeah. Oh, that's good. Yeah. Yeah. And, otherwise, when it comes to estate planning, I have here that you have a will in place. Yep. Perfect. And I do have your nomination. So if something were to happen to you that you would like it to go to Cassandra as well. Yep. Perfect. Otherwise, you don't have anyone who makes any financial decisions for you. Not perfect. And are you politically exposed at all? Like, involved directly in politics? No. And you don't earn any income overseas or anything like that, do you? No. Perfect. I guess when it comes to kind of goals and stuff that you are working to it, last time when we spoke to you during annual review, you said kind of in the the medium terms of the next couple of years, Maybe look at buying another property. Is that kind of on the card still? Yeah. Yeah. Yeah. Yeah. Yeah. And, otherwise, do you have any other significant financial goals or anything that you guys are working towards? No. Yep. Just focus on paying down the mortgage. That sounds good. Now when it comes through superannuation as well, we currently have you invested in a high growth portfolio. Do you remember what it means to be a high growth investor at all? Yeah. Kind of. So, essentially, a high growth, it means that, you know, you are looking at getting as much growth as you possibly can out of your student while you do have plenty of time until retirement. But you're also kind of, you know, prepared to experience some levels of fluctuation in the short term in order to try to achieve that in the long term. And typically speaking, we do see a 90% also invested in your growth assets. So that will be things like Australian shares, international shares, property, and commodities. And that's basically what's going to maximize those returns for you at about 10% in defensive. So, like, your your cash, your fixed interest, and kind of go complain to that as well. When we are looking at a time frame, so making sure you have enough time in the market for fluctuations, in a high growth portfolio, typically, we want to allow at least eight years to retirement. So from a time point point of view, you're in a really good portfolio as long as you feel comfortable with, like, the level of risk and fluctuation that you are seeing, or would you like to change anything? Yep. No. Perfect. And that's what most people say, especially now you do have, you know, plenty of time to try and grow that. And then, you know, as you do get closer and and, you know, into your your fifties and stuff, that some people then gradually start to decrease that a little bit. Alright. Perfect. Now the the last thing here is I just sent you an email with some documents to run through with you. Do you have access to your emails at the moment? Yes. Perfect. Did that email come through okay? Yep. Perfect. Now it might look a little bit different to what you were used to before because we have changed the software. But, essentially, before you click on the link where it says sign now, you should see a couple of attachments at the bottom of that email. Can you see that? Yep. Perfect. Now to make it easier from your side, what are the first ones you can see, and we can go through them in that way? Yep. Perfect. And then yep. Perfect. So they they're both very they're both quite similar. But if you can open the the version one for me, the other one is just kind of a smaller version. Now you would have seen this one before, one of those compliance documents, but it gives you all the important information regarding us here for you. We've had a bit of a change through marketing, which is good, and extension to the team a little bit as well. I'll let you kind of have a read over this in your own time. But as you kind of scroll through if you scroll down to page 10, you will see a photo of myself, and sometimes it is nice to put a face to the voice. Yeah. Perfect. Now the next yeah. So if you hear a bit of an accent, that's why. No. Some some people are like, oh, yeah. It's definitely there. And some people are like, oh, yeah. No. I couldn't tell. Yeah. I've heard that, but then I do one of my colleagues that sit next to me is English, and he would probably disagree to that. So next one, is that the super and insurance summary? Is that the next one you can see? Okay. Yeah. I'll skip that one. I'll let you have a read over that on your own. It's just like a smaller version of the the other one just for for your information. Yes. If you can open that one for me. Now is that opened okay? Yes. Yeah. Perfect. Now you can see here your net wealth. So you have your super with net wealth. You do have approximately a $194,032 in there. And underneath it, you have your nearest insurances. So for your life and total permanent disability insurance, you do have 1,187,498. Are you still quite happy with that level of cover, or what are your thoughts on, you know, your life and TKD insurance? Yeah. It will pay out, you know, the on the block. Yeah. Leave extra to the family if something were to happen. And if you can't work from TPD, then it'll cover your income for a little while or so, which is good. And it's quite affordable as well for for what you have, I think, because from an insurance point of view, your occupation isn't super risky. It's not like an underground mine or something like that, so it's a little bit cheaper, which is which is good. Now when it comes to your income protection, you do have 9,468 per month. Now how the income protection work as well is that you can have up to 70% of your income coverage. So when we took out the policy, were your income is that when you worked for the government? Was your income a little bit higher than it is now as well? Do you remember? No? Okay. The reason the reason I do ask is because if your income is around 142,000, that on a monthly basis, that would give you 8,283. So at the moment, you do have the full. Okay. Yes. Okay. Okay. So it might be a little bit closer then, which is good. Because if there is a little bit of a gap of your income and what you are covered for, what would happen is that if you were to go to claim on the policy actually, let me have a look here. Your policy you actually have 70%, which is good. So your policy was taken out before October 2021, which does mean that you have some grandfathered benefit on your policy, which is great. Basically, if you were to take out a new insurance policy today for income protection, the max that you can be covered for is 70%. Because you are on the older plan, which is great because you used to have a little bit more, is that you can actually get 75%. So 75% of your income is 8,875 on a monthly basis. That is basically if your income is 142, that's where you could get covered. But let's say something were to happen to you tomorrow and your income is 142, it will mean that you will only be able to get 8,875 even though you are insured for a little bit more. Basically, the options are we can leave it as is because if your income will continue to kind of go up and with the new employer as well, if you're not a 100% sure what the income would be, it will just basically mean that you're paying a little bit more than at the moment you could claim. If we were to change it, so let's say we wanna reduce it for you, what would happen is that if you do go to a new employer and your income increases and you go, you know what? I wanna change it back up, it will mean that your whole policy will have to be rewritten again, and you will lose those higher benefits. So I am a little bit reluctant on doing that until at least your new your, you know, we know your new income. As long as you're okay with you know, you are a little bit over insured at the moment. Not by much, though. Great. Perfect. That's good because it only increases. Yeah. Yes. Yes. Yep. Normally, we get a a yearly income before tax from people because exactly like you said, they they'll get told that on the payslip, what it is. If it's if it's yep. 50 two typically because you do have your annual leave and stuff like that as well. Yes. Okay. Perfect. Which which gets us closer. So that's then about 9,125, which is perfect. So it's not much difference, which is great. Now with your for all those reinsurance, you have inside super, so you don't pay for anything out of pocket. So the premium for all three is about 2,251. Now the next report, is that where it says Netwealth super asset performance report? Is that the one you can see next? Yeah. Perfect. See. Now this one here might look a little bit messy, but it does break down all your investments and how they have performed over the last twelve months. So as you probably have heard, the last twelve months have been a little bit more, you know, volatile and fluctuating. There's been a lot happening in the in the world and in the market. We obviously had everything going over in The US with Trump and the tariffs and everything with a little bit of a fluctuation. And more recently, obviously, everything with the war has been a little bit of fluctuation. Despite all of that, though, in the last twelve months, after phase, your portfolio has still gone up by 7.96%, which is actually really good given that what's happened in the last twelve months. So quite happy with that. Now when you do look at your portfolio, so if you can see the column where it says return, can you see that? Yep. So that one basically shows you the performance for each of your each of your investments. So as you can kind of see here that the main drivers of, you know, the growth is international investment, so particularly The US market, parts of Asia as well, but then also your the medic area. So, like, you can see the battery tech and lithium was up by a 105%, which is pretty crazy. So that was performing exceptionally well. Especially with fuel prices and everything at the moment as well. It's obviously driving the the electric vehicles and stuff like that. So the areas that kind of we saw not performing as well was the Australian market, and that was your active funds spend along Australian equity. Now I'm not sure if you saw the email. So we sent you an email on the March 13. It wasn't one you had to sign or anything, but it gave you a bit of an update that because we are constantly, obviously, reviewing your portfolio, and if we do a lot of research on an investment and we foresee that it's not going to be the best option for you moving forward, and if it is slightly underperforming, then we wanna change it to something better to make sure we always have you in the best position. So if you did read the email, you would have seen that we have actually changed that Benelon for you already through the Better Share Australia two hundred. And in doing so, the the performance are better, but it's also a little bit cheaper because it doesn't have the same active component. So if you did have any questions with that email, that was what that was, essentially. No? Yeah. Perfect. Yep. The one that I see, I you can pull different reports. Some can show daily. Some can show weekly for it depends on which setting you have. But the ones that we typically show is on a yearly basis. But, obviously, if you haven't been invested, you haven't it's been quite recent, obviously. So for that one, it wouldn't be the full twelve months because it's obviously just been that time frame. So overall, we're happy with the the performance, and the one that was slightly underperforming that we didn't foresee coming back around, we've swapped out for you. Do you have any questions in regards to any of that? So that kind of makes sense. No? Makes sense? Okay. Perfect. Now the other two documents you will see in your email is your Neos plan schedule. I won't get you to open that because that basically just shows you your insurances again, but a little bit more detail for you. But it shows you that everything is paid enough to date. And then the last they do. Yep. Yep. No. They do. When they send us to us, they usually send it to you. So if you open the Vanguard one, for example, you probably have seen this one before. It's just a bit of an updated version that they publish each year, which is great, But it is a really good kind of visual representation of the market and what we are talking about when we're talking about the market. And it also breaks down the different asset classes. So it shows you your your growth investments, which is your top four there. So The US shares, Australian shares, international, and property, and then the bottom three, your your. Yep. Perfect. Now the other thing is if you're happy to do so, if you click on the link process sign now, it will then ask you to sign I think there's two documents, but let me know what you can see. And you should have one where it says Netwealth advisor fee consent form. That one is basically just that ongoing service agreement to say that you are happy to stay on as a client. There is no changes to the fee structure, though. So that stays exactly the same at that 1.65 from Super. No changes in regards to that one. And it is not a locking contract. So if at any point in time, you are not happy with the service, there is no lock in contract. So this essentially just lets us service your account and everything in the meantime. Yep. Yep. Yeah. And it's usually faced with that through that sometimes. Some people are really good, but some some that calls maybe not. So, obviously, just just be mindful. No. Because self no. So self managed, that means that you have full control and responsibility of everything. So no. We do, obviously, all your investments and everything on your behalf, But then all the, you know, the tax and legislation, everything falls on us and your super fund. So you don't have to worry. Like, it doesn't fall on you. No. But we obviously manage all your investments for you. Yep. Yeah. Yes. For for some people, it's great because I think it's one of those things that's going around. And peep and if it we can do it if it's for the right so we can definitely do it if it's for the right For some people, it's great. For others, not. And I would say I've seen more closed down than set up. And it's usually there's so much fees in regards to it. And the reason that most people do it is if they wanna buy, like, a property and they have, like, family members and stuff going into it or, like, a business and stuff, but it is quite complex and and costly. So for most people, it's not suitable. But for some for some, it is. Yeah. Yeah. Yes. And you don't want that possibility. Otherwise, the the other forms, it should just be a tax file number opt in form. That's just a compliance form as well. Just to say that we are keeping your tax file number secure on file. And I think there's one more. If you can see that where it says authorization to search for lost super. Can you see that? Yep. Basically, what this is, we do it every now and then because it is is good to do, especially if you change employers sometimes, but it's always good to do every now and then. It basically lets us search with the ATO if you have any old super funds out there. If it is, it'll let us find it, and we'll contact you, and we can do research on it. And then, obviously, it's trying to see if we can consolidate it. So it's just a good little check-in to see if because sometimes you'd be surprised on what we find, and sometimes one employer could have put one contribution one way or something like that. So it's just a little check-in. That's that's good, though. When you came on board? Yes. Yes. So probably, if, obviously, there was nothing from it, it's not gonna be anything now. But it doesn't hurt. It's just a form we've submitted. DHL will let us know, and then at least we'll triple check for you. Yep. Perfect. So, yeah, basically, from here, if you are happy to sign those documents, it will prompt you, oh, great. Perfect. I'll let the team know. We will put all of this in force for you. If there is anything that you need at any point in time, though, just let us know. We can always book your info at catch up. And if it is that you, you know, change employees and you need access to your contribution forms or anything like that again, by all meal by all means, just send me an email or call the team, and we can get that sorted for you. Yes. It is. Yes. Sometimes people if it's harder to find, you should even just send send us an email, say, hey. I just need my report, and we can send it, and you just forward it on to your employer. But, yes, it's in your network portal as well. It's just sometimes people find it tricky to find. Yep. That's good. Mhmm. Yeah. That's good. Yes. From from your employer, it's about now if your income is $1.04 6, it's about 17,520, but then tax comes out of that as well as 15%. So about 14,892. Yeah. Yeah. So, yeah, last twelve months been been positive, especially given the market. And, yeah, we have obviously swapped that one out for you. So, hopefully, things settle down the next twelve months, but then at least you you're not in Benelung anymore, which is good. But if there's anything that's always you know, if there's any point in time that you log in and you are a bit concerned or anything, just give me a call. We can always book you in for a catch up. It doesn't have to be every twelve months. We can do it, you know, as frequently as if you have any questions or you wanna discuss anything in more detail. You can always always give us a call, and it's all part of their ongoing service. But we can do that as often as you would like. Yeah. Yes. Yes. That's okay. We can check-in Nextiva's Yeah. Exactly. And if there's anything else you need, like I said, just give me a call or or send us an email. But, otherwise, I will let you go and enjoy the rest of your afternoon. And, yeah, enjoy the rest of your week as well, and it was lovely speaking to you. Mhmm. No problem. We'll speak soon. Okay. 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morning. Is this Nicholas? This is Veronica from Achieve Financial. How are you? That's good.\n\nI had you booked in to go over your annual review. Is now still a good time for you? Yep. Yeah. Yep.\n\nSounds good. While you do kind of get that set up, as long as you can still hear me, just want to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And just for security purposes, just to, make sure I'm speaking with the right person, could you confirm your full name, date of birth, and address for me, please?\n\nYep. Yes, please. Perfect. Did you get that all set up, or are you still kind of getting the headset sorted? Yes.\n\nCan you hear me okay? Perfect. How's your day been so far? Been busy? Well, I will try not to keep you for too long.\n\nBut before I kind of jump into that annual review, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any areas you would like me to focus more on or whether it's just a bit of a catch up to see where everything's at? Not a burning question. No. That's okay. I'll I'll go through everything with you.\n\nAnd, obviously, if anything comes up, just feel free to ask away. Yep. Yep. Perfect. Okay.\n\nPerfect. So the first thing I will run through with you is just a bit of an updated fact find on our end just to see if there's anything that has changed since we spoke to you last and if there is any, you know, changes we need to do to your advice. So just kind of bear with me as I go through and check off these things. Now when it comes to your personal information, I have you down here as married with two financial dependents. Is that still the case?\n\nYeah? How how old is the oldest? Yep. Especially with the especially with today's living expenses and house prices and rental, it's making it harder for people. Yeah.\n\nPerfect. Now yeah. Yeah. Now next up, can I have Cassandra nominated? That's correct?\n\nYep. I don't have a phone number nominated for her, though. Would you be able to provide that to me? Yep. Seven nine.\n\nYep. 855. Perfect. Thank you so much. Now when it comes to your employment, has anything changed, or you're still a electrical project manager?\n\nYeah? Okay. Who were you working for now? How do you spell that? Sorry?\n\nYep. Perfect. And still kind of doing the same yeah. Okay. Perfect.\n\nOh, great. Power. Yep. Perfect. Still doing kind of the same role just for the different company.\n\nYep. Okay. To a a new occupation or new employer again? New employer. Okay.\n\nYeah. And when did you start this one? Oh, okay. Yep. Yeah.\n\nSometimes you know, though. If it's not the right for you and if there's other opportunities out there, then, you know, you gotta do what's best and where you enjoy working. That's what a lot of people say when they do work in the government space. That is, you know, a little benefits and stuff like that. Yeah.\n\nPretty big difference. And pay wise, what are you on at the moment? Forty two. Alright. Perfect.\n\nAnd your employer currently, they still just pay you that standard 12% contribution interest fee for, like, there's no EBA or anything like that in place? Twelve now. Yep. It increased. Yep.\n\nJust like the standard. Yep. Perfect. Now asset and liability wise, I have here that last time we spoke to your property was valued at about 1.1. Is that still the case, or is that about the same?\n\nYep. And mortgage about 494? That's good. Yeah. Sure.\n\nOh, perfect. And also, two motor vehicles, side at about 32,000? About that? Yeah. And and about 60 in the offset account?\n\nAbout 90. Perfect. Do you have any other new assets that we haven't gone over otherwise? Like, any motorbikes or no, any other liabilities, like personal loans, credit cards, ZipPay? No.\n\nPerfect. Now when it comes to health and lifestyle, I have you down here as a nonsmoker. Is that still the case? Perfect. And any changes to your health otherwise?\n\nAny significant health issues or injuries or anything? Nope. Great. How's that going? Yeah.\n\nThat's good for you. Yeah. Well, that's fun. And do you have private health insurance? Yeah.\n\nPerfect. And that's hospitals as well? Yeah. Great. Perfect.\n\nEspecially with your high income, you don't wanna obviously be paying their additional medical levy searches if you don't hand it have it. Yeah. Yes. Because that reduces that. And then sometimes sometimes you actually end up paying less with the private health insurance depending on your health and age and stuff like that.\n\nWhereas sometimes it's, like, maybe a little bit more, but then at least you have a private health and you don't have to add a tax. So it's definitely worth considering Extra. Yeah. Yep. Yeah.\n\nOh, that's good. Yeah. Yeah. And, otherwise, when it comes to estate planning, I have here that you have a will in place. Yep.\n\nPerfect. And I do have your nomination. So if something were to happen to you that you would like it to go to Cassandra as well. Yep. Perfect.\n\nOtherwise, you don't have anyone who makes any financial decisions for you. Not perfect. And are you politically exposed at all? Like, involved directly in politics? No.\n\nAnd you don't earn any income overseas or anything like that, do you? No. Perfect. I guess when it comes to kind of goals and stuff that you are working to it, last time when we spoke to you during annual review, you said kind of in the the medium terms of the next couple of years, Maybe look at buying another property. Is that kind of on the card still?\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nAnd, otherwise, do you have any other significant financial goals or anything that you guys are working towards? No. Yep. Just focus on paying down the mortgage. That sounds good.\n\nNow when it comes through superannuation as well, we currently have you invested in a high growth portfolio. Do you remember what it means to be a high growth investor at all? Yeah. Kind of. So, essentially, a high growth, it means that, you know, you are looking at getting as much growth as you possibly can out of your student while you do have plenty of time until retirement.\n\nBut you're also kind of, you know, prepared to experience some levels of fluctuation in the short term in order to try to achieve that in the long term. And typically speaking, we do see a 90% also invested in your growth assets. So that will be things like Australian shares, international shares, property, and commodities. And that's basically what's going to maximize those returns for you at about 10% in defensive. So, like, your your cash, your fixed interest, and kind of go complain to that as well.\n\nWhen we are looking at a time frame, so making sure you have enough time in the market for fluctuations, in a high growth portfolio, typically, we want to allow at least eight years to retirement. So from a time point point of view, you're in a really good portfolio as long as you feel comfortable with, like, the level of risk and fluctuation that you are seeing, or would you like to change anything? Yep. No. Perfect.\n\nAnd that's what most people say, especially now you do have, you know, plenty of time to try and grow that. And then, you know, as you do get closer and and, you know, into your your fifties and stuff, that some people then gradually start to decrease that a little bit. Alright. Perfect. Now the the last thing here is I just sent you an email with some documents to run through with you.\n\nDo you have access to your emails at the moment? Yes. Perfect. Did that email come through okay? Yep.\n\nPerfect. Now it might look a little bit different to what you were used to before because we have changed the software. But, essentially, before you click on the link where it says sign now, you should see a couple of attachments at the bottom of that email. Can you see that? Yep.\n\nPerfect. Now to make it easier from your side, what are the first ones you can see, and we can go through them in that way? Yep. Perfect. And then yep.\n\nPerfect. So they they're both very they're both quite similar. But if you can open the the version one for me, the other one is just kind of a smaller version. Now you would have seen this one before, one of those compliance documents, but it gives you all the important information regarding us here for you. We've had a bit of a change through marketing, which is good, and extension to the team a little bit as well.\n\nI'll let you kind of have a read over this in your own time. But as you kind of scroll through if you scroll down to page 10, you will see a photo of myself, and sometimes it is nice to put a face to the voice. Yeah. Perfect. Now the next yeah.\n\nSo if you hear a bit of an accent, that's why. No. Some some people are like, oh, yeah. It's definitely there. And some people are like, oh, yeah.\n\nNo. I couldn't tell. Yeah. I've heard that, but then I do one of my colleagues that sit next to me is English, and he would probably disagree to that. So next one, is that the super and insurance summary?\n\nIs that the next one you can see? Okay. Yeah. I'll skip that one. I'll let you have a read over that on your own.\n\nIt's just like a smaller version of the the other one just for for your information. Yes. If you can open that one for me. Now is that opened okay? Yes.\n\nYeah. Perfect. Now you can see here your net wealth. So you have your super with net wealth. You do have approximately a $194,032 in there.\n\nAnd underneath it, you have your nearest insurances. So for your life and total permanent disability insurance, you do have 1,187,498. Are you still quite happy with that level of cover, or what are your thoughts on, you know, your life and TKD insurance? Yeah. It will pay out, you know, the on the block.\n\nYeah. Leave extra to the family if something were to happen. And if you can't work from TPD, then it'll cover your income for a little while or so, which is good. And it's quite affordable as well for for what you have, I think, because from an insurance point of view, your occupation isn't super risky. It's not like an underground mine or something like that, so it's a little bit cheaper, which is which is good.\n\nNow when it comes to your income protection, you do have 9,468 per month. Now how the income protection work as well is that you can have up to 70% of your income coverage. So when we took out the policy, were your income is that when you worked for the government? Was your income a little bit higher than it is now as well? Do you remember?\n\nNo? Okay. The reason the reason I do ask is because if your income is around 142,000, that on a monthly basis, that would give you 8,283. So at the moment, you do have the full. Okay.\n\nYes. Okay. Okay. So it might be a little bit closer then, which is good. Because if there is a little bit of a gap of your income and what you are covered for, what would happen is that if you were to go to claim on the policy actually, let me have a look here.\n\nYour policy you actually have 70%, which is good. So your policy was taken out before October 2021, which does mean that you have some grandfathered benefit on your policy, which is great. Basically, if you were to take out a new insurance policy today for income protection, the max that you can be covered for is 70%. Because you are on the older plan, which is great because you used to have a little bit more, is that you can actually get 75%. So 75% of your income is 8,875 on a monthly basis.\n\nThat is basically if your income is 142, that's where you could get covered. But let's say something were to happen to you tomorrow and your income is 142, it will mean that you will only be able to get 8,875 even though you are insured for a little bit more. Basically, the options are we can leave it as is because if your income will continue to kind of go up and with the new employer as well, if you're not a 100% sure what the income would be, it will just basically mean that you're paying a little bit more than at the moment you could claim. If we were to change it, so let's say we wanna reduce it for you, what would happen is that if you do go to a new employer and your income increases and you go, you know what? I wanna change it back up, it will mean that your whole policy will have to be rewritten again, and you will lose those higher benefits.\n\nSo I am a little bit reluctant on doing that until at least your new your, you know, we know your new income. As long as you're okay with you know, you are a little bit over insured at the moment. Not by much, though. Great. Perfect.\n\nThat's good because it only increases. Yeah. Yes. Yes. Yep.\n\nNormally, we get a a yearly income before tax from people because exactly like you said, they they'll get told that on the payslip, what it is. If it's if it's yep. 50 two typically because you do have your annual leave and stuff like that as well. Yes. Okay.\n\nPerfect. Which which gets us closer. So that's then about 9,125, which is perfect. So it's not much difference, which is great. Now with your for all those reinsurance, you have inside super, so you don't pay for anything out of pocket.\n\nSo the premium for all three is about 2,251. Now the next report, is that where it says Netwealth super asset performance report? Is that the one you can see next? Yeah. Perfect.\n\nSee. Now this one here might look a little bit messy, but it does break down all your investments and how they have performed over the last twelve months. So as you probably have heard, the last twelve months have been a little bit more, you know, volatile and fluctuating. There's been a lot happening in the in the world and in the market. We obviously had everything going over in The US with Trump and the tariffs and everything with a little bit of a fluctuation.\n\nAnd more recently, obviously, everything with the war has been a little bit of fluctuation. Despite all of that, though, in the last twelve months, after phase, your portfolio has still gone up by 7.96%, which is actually really good given that what's happened in the last twelve months. So quite happy with that. Now when you do look at your portfolio, so if you can see the column where it says return, can you see that? Yep.\n\nSo that one basically shows you the performance for each of your each of your investments. So as you can kind of see here that the main drivers of, you know, the growth is international investment, so particularly The US market, parts of Asia as well, but then also your the medic area. So, like, you can see the battery tech and lithium was up by a 105%, which is pretty crazy. So that was performing exceptionally well. Especially with fuel prices and everything at the moment as well.\n\nIt's obviously driving the the electric vehicles and stuff like that. So the areas that kind of we saw not performing as well was the Australian market, and that was your active funds spend along Australian equity. Now I'm not sure if you saw the email. So we sent you an email on the March 13. It wasn't one you had to sign or anything, but it gave you a bit of an update that because we are constantly, obviously, reviewing your portfolio, and if we do a lot of research on an investment and we foresee that it's not going to be the best option for you moving forward, and if it is slightly underperforming, then we wanna change it to something better to make sure we always have you in the best position.\n\nSo if you did read the email, you would have seen that we have actually changed that Benelon for you already through the Better Share Australia two hundred. And in doing so, the the performance are better, but it's also a little bit cheaper because it doesn't have the same active component. So if you did have any questions with that email, that was what that was, essentially. No? Yeah.\n\nPerfect. Yep. The one that I see, I you can pull different reports. Some can show daily. Some can show weekly for it depends on which setting you have.\n\nBut the ones that we typically show is on a yearly basis. But, obviously, if you haven't been invested, you haven't it's been quite recent, obviously. So for that one, it wouldn't be the full twelve months because it's obviously just been that time frame. So overall, we're happy with the the performance, and the one that was slightly underperforming that we didn't foresee coming back around, we've swapped out for you. Do you have any questions in regards to any of that?\n\nSo that kind of makes sense. No? Makes sense? Okay. Perfect.\n\nNow the other two documents you will see in your email is your Neos plan schedule. I won't get you to open that because that basically just shows you your insurances again, but a little bit more detail for you. But it shows you that everything is paid enough to date. And then the last they do. Yep.\n\nYep. No. They do. When they send us to us, they usually send it to you. So if you open the Vanguard one, for example, you probably have seen this one before.\n\nIt's just a bit of an updated version that they publish each year, which is great, But it is a really good kind of visual representation of the market and what we are talking about when we're talking about the market. And it also breaks down the different asset classes. So it shows you your your growth investments, which is your top four there. So The US shares, Australian shares, international, and property, and then the bottom three, your your. Yep.\n\nPerfect. Now the other thing is if you're happy to do so, if you click on the link process sign now, it will then ask you to sign I think there's two documents, but let me know what you can see. And you should have one where it says Netwealth advisor fee consent form. That one is basically just that ongoing service agreement to say that you are happy to stay on as a client. There is no changes to the fee structure, though.\n\nSo that stays exactly the same at that 1.65 from Super. No changes in regards to that one. And it is not a locking contract. So if at any point in time, you are not happy with the service, there is no lock in contract. So this essentially just lets us service your account and everything in the meantime.\n\nYep. Yep. Yeah. And it's usually faced with that through that sometimes. Some people are really good, but some some that calls maybe not.\n\nSo, obviously, just just be mindful. No. Because self no. So self managed, that means that you have full control and responsibility of everything. So no.\n\nWe do, obviously, all your investments and everything on your behalf, But then all the, you know, the tax and legislation, everything falls on us and your super fund. So you don't have to worry. Like, it doesn't fall on you. No. But we obviously manage all your investments for you.\n\nYep. Yeah. Yes. For for some people, it's great because I think it's one of those things that's going around. And peep and if it we can do it if it's for the right so we can definitely do it if it's for the right For some people, it's great.\n\nFor others, not. And I would say I've seen more closed down than set up. And it's usually there's so much fees in regards to it. And the reason that most people do it is if they wanna buy, like, a property and they have, like, family members and stuff going into it or, like, a business and stuff, but it is quite complex and and costly. So for most people, it's not suitable.\n\nBut for some for some, it is. Yeah. Yeah. Yes. And you don't want that possibility.\n\nOtherwise, the the other forms, it should just be a tax file number opt in form. That's just a compliance form as well. Just to say that we are keeping your tax file number secure on file. And I think there's one more. If you can see that where it says authorization to search for lost super.\n\nCan you see that? Yep. Basically, what this is, we do it every now and then because it is is good to do, especially if you change employers sometimes, but it's always good to do every now and then. It basically lets us search with the ATO if you have any old super funds out there. If it is, it'll let us find it, and we'll contact you, and we can do research on it.\n\nAnd then, obviously, it's trying to see if we can consolidate it. So it's just a good little check-in to see if because sometimes you'd be surprised on what we find, and sometimes one employer could have put one contribution one way or something like that. So it's just a little check-in. That's that's good, though. When you came on board?\n\nYes. Yes. So probably, if, obviously, there was nothing from it, it's not gonna be anything now. But it doesn't hurt. It's just a form we've submitted.\n\nDHL will let us know, and then at least we'll triple check for you. Yep. Perfect. So, yeah, basically, from here, if you are happy to sign those documents, it will prompt you, oh, great. Perfect.\n\nI'll let the team know. We will put all of this in force for you. If there is anything that you need at any point in time, though, just let us know. We can always book your info at catch up. And if it is that you, you know, change employees and you need access to your contribution forms or anything like that again, by all meal by all means, just send me an email or call the team, and we can get that sorted for you.\n\nYes. It is. Yes. Sometimes people if it's harder to find, you should even just send send us an email, say, hey. I just need my report, and we can send it, and you just forward it on to your employer.\n\nBut, yes, it's in your network portal as well. It's just sometimes people find it tricky to find. Yep. That's good. Mhmm.\n\nYeah. That's good. Yes. From from your employer, it's about now if your income is $1.04 6, it's about 17,520, but then tax comes out of that as well as 15%. So about 14,892.\n\nYeah. Yeah. So, yeah, last twelve months been been positive, especially given the market. And, yeah, we have obviously swapped that one out for you. So, hopefully, things settle down the next twelve months, but then at least you you're not in Benelung anymore, which is good.\n\nBut if there's anything that's always you know, if there's any point in time that you log in and you are a bit concerned or anything, just give me a call. We can always book you in for a catch up. It doesn't have to be every twelve months. We can do it, you know, as frequently as if you have any questions or you wanna discuss anything in more detail. You can always always give us a call, and it's all part of their ongoing service.\n\nBut we can do that as often as you would like. Yeah. Yes. Yes. That's okay.\n\nWe can check-in Nextiva's Yeah. Exactly. And if there's anything else you need, like I said, just give me a call or or send us an email. But, otherwise, I will let you go and enjoy the rest of your afternoon. And, yeah, enjoy the rest of your week as well, and it was lovely speaking to you.\n\nMhmm. No problem. We'll speak soon. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":1.92,"end":2.3999999,"sentiment":"positive","sentiment_score":0.3604583591222763},{"text":"Is this Nicholas?","start":2.3999999,"end":3.22,"sentiment":"neutral","sentiment_score":0.18069239954153696},{"text":"This is Veronica from Achieve Financial.","start":5.12,"end":7.3599997,"sentiment":"neutral","sentiment_score":0.23936307430267334},{"text":"How are you?","start":7.3599997,"end":8.18,"sentiment":"neutral","sentiment_score":0.23218495647112528},{"text":"That's good.","start":9.679999,"end":10.58,"sentiment":"positive","sentiment_score":0.7620264887809753}],"sentiment":"neutral","sentiment_score":0.30748626310378313,"num_words":16,"start":1.92,"end":10.58},{"sentences":[{"text":"I had you booked in to go over your annual review.","start":10.719999,"end":13.04,"sentiment":"positive","sentiment_score":0.5151617228984833},{"text":"Is now still a good time for you?","start":13.04,"end":14.595,"sentiment":"positive","sentiment_score":0.4321428909897804},{"text":"Yep.","start":16.275,"end":16.775,"sentiment":"neutral","sentiment_score":0.03520862013101578},{"text":"Yeah.","start":17.315,"end":17.815,"sentiment":"neutral","sentiment_score":0.024200808256864548},{"text":"Yep.","start":23.315,"end":23.815,"sentiment":"neutral","sentiment_score":0.05222707986831665}],"sentiment":"positive","sentiment_score":0.41979811763898894,"num_words":22,"start":10.719999,"end":23.815},{"sentences":[{"text":"Sounds good.","start":29.41,"end":30.150002,"sentiment":"neutral","sentiment_score":0.2163768857717514},{"text":"While you do kind of get that set up, as long as you can still hear me, just want to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":31.17,"end":41.83,"sentiment":"neutral","sentiment_score":0.07558916398399584},{"text":"Yep.","start":43.475002,"end":43.955,"sentiment":"neutral","sentiment_score":0.13882923126220703},{"text":"Perfect.","start":43.955,"end":44.455,"sentiment":"neutral","sentiment_score":0.31606441736221313},{"text":"And just for security purposes, just to, make sure I'm speaking with the right person, could you confirm your full name, date of birth, and address for me, please?","start":44.755,"end":53.97,"sentiment":"neutral","sentiment_score":0.09245747918712682}],"sentiment":"neutral","sentiment_score":0.09093876262860638,"num_words":70,"start":29.41,"end":53.97},{"sentences":[{"text":"Yep.","start":63.170002,"end":63.670002,"sentiment":"neutral","sentiment_score":0.043289512395858765},{"text":"Yes, please.","start":65.41,"end":66.15,"sentiment":"neutral","sentiment_score":0.050202012062072754},{"text":"Perfect.","start":69.245,"end":69.745,"sentiment":"neutral","sentiment_score":0.2645494341850281},{"text":"Did you get that all set up, or are you still kind of getting the headset sorted?","start":71.40501,"end":76.865005,"sentiment":"neutral","sentiment_score":0.06815400325200137},{"text":"Yes.","start":117.945,"end":118.185,"sentiment":"neutral","sentiment_score":-0.014053186401724815}],"sentiment":"neutral","sentiment_score":0.07058217452669685,"num_words":22,"start":63.170002,"end":118.185},{"sentences":[{"text":"Can you hear me okay?","start":118.185,"end":119.325005,"sentiment":"neutral","sentiment_score":-0.01672639474272728},{"text":"Perfect.","start":121.225,"end":121.725,"sentiment":"neutral","sentiment_score":0.15863925218582153},{"text":"How's your day been so far?","start":121.865,"end":123.545,"sentiment":"neutral","sentiment_score":0.08257183122138183},{"text":"Been busy?","start":123.545,"end":124.285,"sentiment":"neutral","sentiment_score":-0.0084791649132967},{"text":"Well, I will try not to keep you for too long.","start":126.905,"end":129.48,"sentiment":"neutral","sentiment_score":-0.04136080396446315}],"sentiment":"neutral","sentiment_score":0.003940443694591522,"num_words":25,"start":118.185,"end":129.48},{"sentences":[{"text":"But before I kind of jump into that annual review, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any areas you would like me to focus more on or whether it's just a bit of a catch up to see where everything's at?","start":130.36,"end":143.98,"sentiment":"neutral","sentiment_score":0.022884592240265872},{"text":"Not a burning question.","start":152.255,"end":153.235,"sentiment":"neutral","sentiment_score":-0.15684497356414795},{"text":"No.","start":154.33499,"end":154.83499,"sentiment":"neutral","sentiment_score":-0.13384807109832764},{"text":"That's okay.","start":156.73001,"end":157.47,"sentiment":"neutral","sentiment_score":0.020255835726857185},{"text":"I'll I'll go through everything with you.","start":157.69,"end":159.21,"sentiment":"neutral","sentiment_score":0.08273051200168473}],"sentiment":"neutral","sentiment_score":0.01655600318200376,"num_words":73,"start":130.36,"end":159.21},{"sentences":[{"text":"And, obviously, if anything comes up, just feel free to ask away.","start":159.21,"end":163.15001,"sentiment":"neutral","sentiment_score":0.012366897116104761},{"text":"Yep.","start":164.65001,"end":165.15001,"sentiment":"neutral","sentiment_score":0.04267432913184166},{"text":"Yep.","start":171.145,"end":171.645,"sentiment":"neutral","sentiment_score":0.12004198879003523},{"text":"Perfect.","start":171.705,"end":172.205,"sentiment":"neutral","sentiment_score":0.24615246057510376},{"text":"Okay.","start":174.425,"end":174.82501,"sentiment":"neutral","sentiment_score":0.16296786069869995}],"sentiment":"neutral","sentiment_score":0.04501496278680861,"num_words":16,"start":159.21,"end":174.82501},{"sentences":[{"text":"Perfect.","start":174.82501,"end":175.30501,"sentiment":"neutral","sentiment_score":0.05912334844470024},{"text":"So the first thing I will run through with you is just a bit of an updated fact find on our end just to see if there's anything that has changed since we spoke to you last and if there is any, you know, changes we need to do to your advice.","start":175.30501,"end":188.81999,"sentiment":"neutral","sentiment_score":-0.014450707723601507},{"text":"So just kind of bear with me as I go through and check off these things.","start":189.36,"end":193.94,"sentiment":"neutral","sentiment_score":-0.017016594298183918},{"text":"Now when it comes to your personal information, I have you down here as married with two financial dependents.","start":194.72,"end":200.465,"sentiment":"neutral","sentiment_score":-0.03919631370196217},{"text":"Is that still the case?","start":200.465,"end":201.845,"sentiment":"neutral","sentiment_score":-0.035381867364048955}],"sentiment":"neutral","sentiment_score":-0.02028191676463491,"num_words":93,"start":174.82501,"end":201.845},{"sentences":[{"text":"Yeah?","start":205.825,"end":206.325,"sentiment":"neutral","sentiment_score":-0.028860822319984436},{"text":"How how old is the oldest?","start":212.38501,"end":214.16501,"sentiment":"neutral","sentiment_score":-0.07272903869549434},{"text":"Yep.","start":218.92,"end":219.42,"sentiment":"neutral","sentiment_score":-0.0634581670165062},{"text":"Especially with the especially with today's living expenses and house prices and rental, it's making it harder for people.","start":220.2,"end":233.315,"sentiment":"neutral","sentiment_score":-0.30001000354164525},{"text":"Yeah.","start":235.135,"end":235.635,"sentiment":"neutral","sentiment_score":0.053466908633708954}],"sentiment":"neutral","sentiment_score":-0.22055058500596456,"num_words":28,"start":205.825,"end":235.635},{"sentences":[{"text":"Perfect.","start":236.415,"end":236.915,"sentiment":"neutral","sentiment_score":0.1927265226840973},{"text":"Now yeah.","start":237.055,"end":238.89499,"sentiment":"neutral","sentiment_score":0.09099230542778969},{"text":"Yeah.","start":238.89499,"end":238.97499,"sentiment":"neutral","sentiment_score":0.07321175932884216},{"text":"Now next up, can I have Cassandra nominated?","start":238.97499,"end":241.875,"sentiment":"neutral","sentiment_score":0.09268986247479916},{"text":"That's correct?","start":242.415,"end":243.235,"sentiment":"neutral","sentiment_score":0.06233721412718296}],"sentiment":"neutral","sentiment_score":0.09386544435151986,"num_words":14,"start":236.415,"end":243.235},{"sentences":[{"text":"Yep.","start":243.78,"end":244.26,"sentiment":"neutral","sentiment_score":0.004229310434311628},{"text":"I don't have a phone number nominated for her, though.","start":244.26,"end":246.98,"sentiment":"neutral","sentiment_score":-0.09135126676410436},{"text":"Would you be able to provide that to me?","start":246.98,"end":249.07999,"sentiment":"neutral","sentiment_score":-0.031981835348738566},{"text":"Yep.","start":253.37999,"end":253.87999,"sentiment":"neutral","sentiment_score":-0.00005601331213256344},{"text":"Seven nine.","start":256.595,"end":257.395,"sentiment":"neutral","sentiment_score":-0.0006075706332921981}],"sentiment":"neutral","sentiment_score":-0.05210395782278678,"num_words":23,"start":243.78,"end":257.395},{"sentences":[{"text":"Yep.","start":257.395,"end":257.895,"sentiment":"neutral","sentiment_score":0.004196136724203825},{"text":"855.","start":259.63498,"end":260.595,"sentiment":"neutral","sentiment_score":0.018599625676870343},{"text":"Perfect.","start":260.595,"end":260.995,"sentiment":"positive","sentiment_score":0.3542301058769226},{"text":"Thank you so much.","start":260.995,"end":262.055,"sentiment":"positive","sentiment_score":0.5273234620690346},{"text":"Now when it comes to your employment, has anything changed, or you're still a electrical project manager?","start":262.675,"end":269.095,"sentiment":"neutral","sentiment_score":0.005029819248353734}],"sentiment":"neutral","sentiment_score":0.10715944349067286,"num_words":24,"start":257.395,"end":269.095},{"sentences":[{"text":"Yeah?","start":275.52,"end":276.02,"sentiment":"neutral","sentiment_score":-0.03715544939041138},{"text":"Okay.","start":277.03998,"end":277.53998,"sentiment":"neutral","sentiment_score":-0.023259442299604416},{"text":"Who were you working for now?","start":277.59998,"end":279.06,"sentiment":"neutral","sentiment_score":-0.03770318999886513},{"text":"How do you spell that?","start":282.095,"end":283.155,"sentiment":"neutral","sentiment_score":-0.03346734791994095},{"text":"Sorry?","start":287.935,"end":288.435,"sentiment":"neutral","sentiment_score":-0.03847702220082283}],"sentiment":"neutral","sentiment_score":-0.03517484239169529,"num_words":14,"start":275.52,"end":288.435},{"sentences":[{"text":"Yep.","start":288.975,"end":289.475,"sentiment":"neutral","sentiment_score":-0.016917025670409203},{"text":"Perfect.","start":291.695,"end":292.195,"sentiment":"neutral","sentiment_score":0.025999147444963455},{"text":"And still kind of doing the same yeah.","start":293.45502,"end":299.28,"sentiment":"neutral","sentiment_score":-0.022663954412564635},{"text":"Okay.","start":299.28,"end":299.78,"sentiment":"neutral","sentiment_score":0.016446001827716827},{"text":"Perfect.","start":300.96,"end":301.46,"sentiment":"neutral","sentiment_score":0.04642525315284729}],"sentiment":"neutral","sentiment_score":-0.00911318821211656,"num_words":12,"start":288.975,"end":301.46},{"sentences":[{"text":"Oh, great.","start":303.36002,"end":303.92,"sentiment":"neutral","sentiment_score":0.15964805334806442},{"text":"Power.","start":303.92,"end":304.24,"sentiment":"neutral","sentiment_score":0.11196786165237428},{"text":"Yep.","start":304.24,"end":304.56,"sentiment":"neutral","sentiment_score":0.08932612836360931},{"text":"Perfect.","start":304.56,"end":305.06,"sentiment":"neutral","sentiment_score":0.1363583207130432},{"text":"Still doing kind of the same role just for the different company.","start":305.68,"end":309.14,"sentiment":"neutral","sentiment_score":0.01891039777547121}],"sentiment":"neutral","sentiment_score":0.051992540631224125,"num_words":17,"start":303.36002,"end":309.14},{"sentences":[{"text":"Yep.","start":309.2,"end":309.7,"sentiment":"neutral","sentiment_score":0.02601553499698639},{"text":"Okay.","start":313.735,"end":314.235,"sentiment":"neutral","sentiment_score":0.15538904070854187},{"text":"To a a new occupation or new employer again?","start":314.935,"end":318.235,"sentiment":"neutral","sentiment_score":0.1312000076803896},{"text":"New employer.","start":319.815,"end":320.555,"sentiment":"neutral","sentiment_score":0.08134866505861282},{"text":"Okay.","start":320.615,"end":321.115,"sentiment":"neutral","sentiment_score":0.1706816554069519}],"sentiment":"neutral","sentiment_score":0.12111311645380088,"num_words":14,"start":309.2,"end":321.115},{"sentences":[{"text":"Yeah.","start":323.38998,"end":323.71,"sentiment":"neutral","sentiment_score":0.09140542149543762},{"text":"And when did you start this one?","start":323.71,"end":325.41,"sentiment":"neutral","sentiment_score":0.025623507797718048},{"text":"Oh, okay.","start":331.71,"end":332.27,"sentiment":"neutral","sentiment_score":0.06483732908964157},{"text":"Yep.","start":332.27,"end":332.77,"sentiment":"neutral","sentiment_score":0.07817114889621735},{"text":"Yeah.","start":334.51,"end":335.01,"sentiment":"neutral","sentiment_score":0.018473239615559574}],"sentiment":"neutral","sentiment_score":0.041424085230877004,"num_words":12,"start":323.38998,"end":335.01},{"sentences":[{"text":"Sometimes you know, though.","start":335.22998,"end":336.61,"sentiment":"neutral","sentiment_score":-0.037030541338026524},{"text":"If it's not the right for you and if there's other opportunities out there, then, you know, you gotta do what's best and where you enjoy working.","start":337.60498,"end":344.185,"sentiment":"neutral","sentiment_score":-0.08631704609703135},{"text":"That's what a lot of people say when they do work in the government space.","start":350.86,"end":353.58,"sentiment":"neutral","sentiment_score":-0.30250352521737417},{"text":"That is, you know, a little benefits and stuff like that.","start":353.58,"end":356.56,"sentiment":"neutral","sentiment_score":-0.22223341464996338},{"text":"Yeah.","start":361.02,"end":361.5,"sentiment":"neutral","sentiment_score":-0.05199643969535827}],"sentiment":"neutral","sentiment_score":-0.16401378084616414,"num_words":58,"start":335.22998,"end":361.5},{"sentences":[{"text":"Pretty big difference.","start":361.5,"end":362.47998,"sentiment":"neutral","sentiment_score":-0.028277960916360218},{"text":"And pay wise, what are you on at the moment?","start":365.695,"end":369.475,"sentiment":"neutral","sentiment_score":0.0070332509465515615},{"text":"Forty two.","start":374.335,"end":375.295,"sentiment":"neutral","sentiment_score":0.02088729850947857},{"text":"Alright.","start":375.295,"end":375.775,"sentiment":"neutral","sentiment_score":0.1463295817375183},{"text":"Perfect.","start":375.775,"end":376.275,"sentiment":"neutral","sentiment_score":0.25713223218917847}],"sentiment":"neutral","sentiment_score":0.025337355156593463,"num_words":17,"start":361.5,"end":376.275},{"sentences":[{"text":"And your employer currently, they still just pay you that standard 12% contribution interest fee for, like, there's no EBA or anything like that in place?","start":380.17,"end":389.445,"sentiment":"neutral","sentiment_score":0.032942207458500676},{"text":"Twelve now.","start":397.685,"end":398.48502,"sentiment":"neutral","sentiment_score":-0.0016707326285541058},{"text":"Yep.","start":398.48502,"end":398.965,"sentiment":"neutral","sentiment_score":0.03611687198281288},{"text":"It increased.","start":398.965,"end":399.625,"sentiment":"neutral","sentiment_score":0.038295892998576164},{"text":"Yep.","start":400.005,"end":400.505,"sentiment":"neutral","sentiment_score":0.0954720377922058}],"sentiment":"neutral","sentiment_score":0.033166769513627514,"num_words":32,"start":380.17,"end":400.505},{"sentences":[{"text":"Just like the standard.","start":401.53998,"end":402.6,"sentiment":"neutral","sentiment_score":0.08122498355805874},{"text":"Yep.","start":405.13998,"end":405.62,"sentiment":"neutral","sentiment_score":0.11626456677913666},{"text":"Perfect.","start":405.62,"end":406.12,"sentiment":"neutral","sentiment_score":0.23054009675979617},{"text":"Now asset and liability wise, I have here that last time we spoke to your property was valued at about 1.1.","start":407.62,"end":415.4,"sentiment":"neutral","sentiment_score":0.05142913590229693},{"text":"Is that still the case, or is that about the same?","start":415.955,"end":418.935,"sentiment":"neutral","sentiment_score":0.0013148271563378244}],"sentiment":"neutral","sentiment_score":0.04647840922208209,"num_words":38,"start":401.53998,"end":418.935},{"sentences":[{"text":"Yep.","start":420.035,"end":420.535,"sentiment":"neutral","sentiment_score":0.01620260439813137},{"text":"And mortgage about 494?","start":420.595,"end":423.495,"sentiment":"neutral","sentiment_score":0.00722866109572351},{"text":"That's good.","start":427.89,"end":428.87003,"sentiment":"neutral","sentiment_score":0.12466244027018547},{"text":"Yeah.","start":433.97,"end":434.29,"sentiment":"neutral","sentiment_score":0.03338448330760002},{"text":"Sure.","start":434.29,"end":434.79,"sentiment":"neutral","sentiment_score":0.04115499556064606}],"sentiment":"neutral","sentiment_score":0.04099795646551582,"num_words":9,"start":420.035,"end":434.79},{"sentences":[{"text":"Oh, perfect.","start":445.025,"end":445.76498,"sentiment":"neutral","sentiment_score":0.12943127006292343},{"text":"And also, two motor vehicles, side at about 32,000?","start":446.945,"end":451.125,"sentiment":"neutral","sentiment_score":0.0365541246202257},{"text":"About that?","start":463.2,"end":463.94,"sentiment":"neutral","sentiment_score":0.007716535124927759},{"text":"Yeah.","start":464.435,"end":464.935,"sentiment":"neutral","sentiment_score":0.026291510090231895},{"text":"And and about 60 in the offset account?","start":465.555,"end":469.175,"sentiment":"neutral","sentiment_score":0.016263845609501004}],"sentiment":"neutral","sentiment_score":0.03453113667836243,"num_words":22,"start":445.025,"end":469.175},{"sentences":[{"text":"About 90.","start":481.49,"end":482.31,"sentiment":"neutral","sentiment_score":0.04757354408502579},{"text":"Perfect.","start":482.37,"end":482.87,"sentiment":"positive","sentiment_score":0.442944198846817},{"text":"Do you have any other new assets that we haven't gone over otherwise?","start":483.17,"end":487.03,"sentiment":"neutral","sentiment_score":0.10360585611600143},{"text":"Like, any motorbikes or no, any other liabilities, like personal loans, credit cards, ZipPay?","start":487.09,"end":494.155,"sentiment":"neutral","sentiment_score":0.034294022247195244},{"text":"No.","start":495.095,"end":495.595,"sentiment":"neutral","sentiment_score":-0.05609660595655441}],"sentiment":"neutral","sentiment_score":0.07448345554932471,"num_words":31,"start":481.49,"end":495.595},{"sentences":[{"text":"Perfect.","start":496.695,"end":497.195,"sentiment":"positive","sentiment_score":0.34061306715011597},{"text":"Now when it comes to health and lifestyle, I have you down here as a nonsmoker.","start":497.89502,"end":502.555,"sentiment":"neutral","sentiment_score":0.11984792724251747},{"text":"Is that still the case?","start":502.855,"end":504.06,"sentiment":"neutral","sentiment_score":0.07506406307220459},{"text":"Perfect.","start":505.26,"end":505.74,"sentiment":"neutral","sentiment_score":0.19966566562652588},{"text":"And any changes to your health otherwise?","start":505.74,"end":508.0,"sentiment":"neutral","sentiment_score":0.0563130011515958}],"sentiment":"neutral","sentiment_score":0.10757856306930383,"num_words":30,"start":496.695,"end":508.0},{"sentences":[{"text":"Any significant health issues or injuries or anything?","start":508.13998,"end":511.04,"sentiment":"neutral","sentiment_score":-0.009565979824401438},{"text":"Nope.","start":513.82,"end":514.32,"sentiment":"neutral","sentiment_score":-0.04557503014802933},{"text":"Great.","start":514.54,"end":515.04,"sentiment":"neutral","sentiment_score":0.2470013797283173},{"text":"How's that going?","start":518.395,"end":519.375,"sentiment":"neutral","sentiment_score":0.04648834094405174},{"text":"Yeah.","start":521.435,"end":521.935,"sentiment":"neutral","sentiment_score":0.24936744570732117}],"sentiment":"neutral","sentiment_score":0.03669506996603949,"num_words":14,"start":508.13998,"end":521.935},{"sentences":[{"text":"That's good for you.","start":525.195,"end":526.335,"sentiment":"positive","sentiment_score":0.5296764224767685},{"text":"Yeah.","start":526.47504,"end":526.875,"sentiment":"neutral","sentiment_score":0.2031266689300537},{"text":"Well, that's fun.","start":526.875,"end":527.935,"sentiment":"neutral","sentiment_score":0.29855673511823017},{"text":"And do you have private health insurance?","start":528.075,"end":530.335,"sentiment":"neutral","sentiment_score":0.07587232653583799},{"text":"Yeah.","start":531.46,"end":531.78,"sentiment":"neutral","sentiment_score":0.07987181842327118}],"sentiment":"neutral","sentiment_score":0.2392800417728722,"num_words":16,"start":525.195,"end":531.78},{"sentences":[{"text":"Perfect.","start":531.78,"end":532.02,"sentiment":"neutral","sentiment_score":0.1457413285970688},{"text":"And that's hospitals as well?","start":532.02,"end":533.56,"sentiment":"neutral","sentiment_score":0.0922099843621254},{"text":"Yeah.","start":534.66003,"end":534.98,"sentiment":"neutral","sentiment_score":0.14245055615901947},{"text":"Great.","start":534.98,"end":535.22003,"sentiment":"positive","sentiment_score":0.3386087119579315},{"text":"Perfect.","start":535.22003,"end":535.62,"sentiment":"neutral","sentiment_score":0.31362366676330566}],"sentiment":"neutral","sentiment_score":0.1557193539208836,"num_words":9,"start":531.78,"end":535.62},{"sentences":[{"text":"Especially with your high income, you don't wanna obviously be paying their additional medical levy searches if you don't hand it have it.","start":535.62,"end":541.8,"sentiment":"neutral","sentiment_score":0.07200113619151323},{"text":"Yeah.","start":543.315,"end":543.815,"sentiment":"neutral","sentiment_score":-0.023472676053643227},{"text":"Yes.","start":554.755,"end":555.255,"sentiment":"neutral","sentiment_score":0.09017229080200195},{"text":"Because that reduces that.","start":555.47504,"end":556.755,"sentiment":"neutral","sentiment_score":0.0880504921078682},{"text":"And then sometimes sometimes you actually end up paying less with the private health insurance depending on your health and age and stuff like that.","start":556.755,"end":564.15,"sentiment":"neutral","sentiment_score":0.06370364770293235}],"sentiment":"neutral","sentiment_score":0.06791701681773972,"num_words":54,"start":535.62,"end":564.15},{"sentences":[{"text":"Whereas sometimes it's, like, maybe a little bit more, but then at least you have a private health and you don't have to add a tax.","start":564.15,"end":568.95,"sentiment":"neutral","sentiment_score":0.10782460223596829},{"text":"So it's definitely worth considering Extra.","start":568.95,"end":576.525,"sentiment":"neutral","sentiment_score":0.20719191059470177},{"text":"Yeah.","start":578.105,"end":578.605,"sentiment":"neutral","sentiment_score":0.04239438101649285},{"text":"Yep.","start":582.265,"end":582.765,"sentiment":"neutral","sentiment_score":0.16629789769649506},{"text":"Yeah.","start":583.305,"end":583.805,"sentiment":"neutral","sentiment_score":0.1558268964290619}],"sentiment":"neutral","sentiment_score":0.12603172276701247,"num_words":35,"start":564.15,"end":583.805},{"sentences":[{"text":"Oh, that's good.","start":587.24,"end":588.30005,"sentiment":"positive","sentiment_score":0.3907390733559926},{"text":"Yeah.","start":588.36005,"end":588.86005,"sentiment":"neutral","sentiment_score":0.2457721531391144},{"text":"Yeah.","start":589.32,"end":589.82,"sentiment":"neutral","sentiment_score":0.1634686440229416},{"text":"And, otherwise, when it comes to estate planning, I have here that you have a will in place.","start":591.4,"end":597.18,"sentiment":"neutral","sentiment_score":0.15396183398034838},{"text":"Yep.","start":598.435,"end":598.675,"sentiment":"neutral","sentiment_score":0.3125709295272827}],"sentiment":"neutral","sentiment_score":0.19438924826681614,"num_words":24,"start":587.24,"end":598.675},{"sentences":[{"text":"Perfect.","start":598.675,"end":599.15497,"sentiment":"positive","sentiment_score":0.6811122894287109},{"text":"And I do have your nomination.","start":599.15497,"end":600.695,"sentiment":"positive","sentiment_score":0.4791358858346939},{"text":"So if something were to happen to you that you would like it to go to Cassandra as well.","start":600.835,"end":605.015,"sentiment":"positive","sentiment_score":0.34745542312923233},{"text":"Yep.","start":606.115,"end":606.595,"sentiment":"neutral","sentiment_score":0.1738640069961548},{"text":"Perfect.","start":606.595,"end":607.095,"sentiment":"neutral","sentiment_score":0.32435378432273865}],"sentiment":"positive","sentiment_score":0.38056422982897076,"num_words":28,"start":598.675,"end":607.095},{"sentences":[{"text":"Otherwise, you don't have anyone who makes any financial decisions for you.","start":607.795,"end":612.375,"sentiment":"neutral","sentiment_score":-0.1753953496615092},{"text":"Not perfect.","start":613.75,"end":614.49,"sentiment":"negative","sentiment_score":-0.34478627145290375},{"text":"And are you politically exposed at all?","start":614.55,"end":617.13,"sentiment":"neutral","sentiment_score":-0.23809923444475448},{"text":"Like, involved directly in politics?","start":618.71,"end":620.41003,"sentiment":"neutral","sentiment_score":-0.18897976577281952},{"text":"No.","start":621.91003,"end":622.41003,"sentiment":"neutral","sentiment_score":-0.15231993794441223}],"sentiment":"neutral","sentiment_score":-0.20586037580613736,"num_words":27,"start":607.795,"end":622.41003},{"sentences":[{"text":"And you don't earn any income overseas or anything like that, do you?","start":622.55,"end":626.145,"sentiment":"neutral","sentiment_score":-0.15281588928057596},{"text":"No.","start":627.10504,"end":627.585,"sentiment":"neutral","sentiment_score":-0.12444451451301576},{"text":"Perfect.","start":627.585,"end":628.085,"sentiment":"neutral","sentiment_score":0.06319423019886017},{"text":"I guess when it comes to kind of goals and stuff that you are working to it, last time when we spoke to you during annual review, you said kind of in the the medium terms of the next couple of years, Maybe look at buying another property.","start":629.10504,"end":641.56,"sentiment":"neutral","sentiment_score":-0.00806072331033647},{"text":"Is that kind of on the card still?","start":641.77997,"end":643.96,"sentiment":"neutral","sentiment_score":-0.00159466010518372}],"sentiment":"neutral","sentiment_score":-0.0344722372492854,"num_words":71,"start":622.55,"end":643.96},{"sentences":[{"text":"Yeah.","start":646.42,"end":646.82,"sentiment":"neutral","sentiment_score":0.031375348567962646},{"text":"Yeah.","start":646.82,"end":647.32,"sentiment":"neutral","sentiment_score":0.005398780107498169},{"text":"Yeah.","start":649.94,"end":650.44,"sentiment":"neutral","sentiment_score":-0.029108308255672455},{"text":"Yeah.","start":651.315,"end":651.815,"sentiment":"neutral","sentiment_score":-0.03087630309164524},{"text":"Yeah.","start":652.59503,"end":653.09503,"sentiment":"neutral","sentiment_score":0.04230215027928352}],"sentiment":"neutral","sentiment_score":0.0038183335214853273,"num_words":5,"start":646.42,"end":653.09503},{"sentences":[{"text":"And, otherwise, do you have any other significant financial goals or anything that you guys are working 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all?","start":679.775,"end":683.315,"sentiment":"neutral","sentiment_score":0.06079362465866974},{"text":"Yeah.","start":688.655,"end":688.97504,"sentiment":"neutral","sentiment_score":0.07018636167049408},{"text":"Kind of.","start":688.97504,"end":689.85504,"sentiment":"neutral","sentiment_score":0.05884532816708088},{"text":"So, essentially, a high growth, it means that, you know, you are looking at getting as much growth as you possibly can out of your student while you do have plenty of time until retirement.","start":689.85504,"end":698.86,"sentiment":"neutral","sentiment_score":0.16209522315434047}],"sentiment":"neutral","sentiment_score":0.1255233471947057,"num_words":70,"start":669.53,"end":698.86},{"sentences":[{"text":"But you're also kind of, you know, prepared to experience some levels of fluctuation in the short term in order to try to achieve that in the long term.","start":699.8,"end":708.37994,"sentiment":"neutral","sentiment_score":-0.03945911328854232},{"text":"And typically speaking, we do see a 90% also invested in your growth assets.","start":709.035,"end":715.135,"sentiment":"neutral","sentiment_score":0.1745150855609349},{"text":"So that will be things like Australian shares, international shares, property, and commodities.","start":715.595,"end":720.33496,"sentiment":"neutral","sentiment_score":0.1546059663479145},{"text":"And that's basically what's going to maximize those returns for you at about 10% in defensive.","start":721.14,"end":727.48004,"sentiment":"neutral","sentiment_score":0.2961469106376171},{"text":"So, like, your your cash, your fixed interest, and kind of go complain to that as well.","start":727.78,"end":733.24005,"sentiment":"neutral","sentiment_score":0.0312644659596331}],"sentiment":"neutral","sentiment_score":0.09638899962386388,"num_words":89,"start":699.8,"end":733.24005},{"sentences":[{"text":"When we are looking at a time frame, so making sure you have enough time in the market for fluctuations, in a high growth portfolio, typically, we want to allow at least eight years to retirement.","start":734.625,"end":745.765,"sentiment":"neutral","sentiment_score":0.07719176500621769},{"text":"So from a time point point of view, you're in a really good portfolio as long as you feel comfortable with, like, the level of risk and fluctuation that you are seeing, or would you like to change anything?","start":746.305,"end":758.29,"sentiment":"neutral","sentiment_score":0.22745041224436882},{"text":"Yep.","start":762.205,"end":762.445,"sentiment":"neutral","sentiment_score":-0.002083476632833481},{"text":"No.","start":762.445,"end":762.765,"sentiment":"neutral","sentiment_score":0.028866469860076904},{"text":"Perfect.","start":762.765,"end":763.165,"sentiment":"neutral","sentiment_score":0.32716286182403564}],"sentiment":"neutral","sentiment_score":0.15388994195904487,"num_words":78,"start":734.625,"end":763.165},{"sentences":[{"text":"And that's what most people say, especially now you do have, you know, plenty of time to try and grow that.","start":763.165,"end":767.805,"sentiment":"neutral","sentiment_score":0.13797796482131594},{"text":"And then, you know, as you do get closer and and, you know, into your your fifties and stuff, that some people then gradually start to decrease that a little bit.","start":767.805,"end":777.105,"sentiment":"neutral","sentiment_score":-0.08061159870797588},{"text":"Alright.","start":779.36,"end":779.83997,"sentiment":"neutral","sentiment_score":0.14638006687164307},{"text":"Perfect.","start":779.83997,"end":780.33997,"sentiment":"neutral","sentiment_score":0.31007933616638184},{"text":"Now the the last thing here is I just sent you an email with some documents to run through with you.","start":780.48,"end":787.44,"sentiment":"neutral","sentiment_score":0.08692234612646557}],"sentiment":"neutral","sentiment_score":0.03573875163992246,"num_words":75,"start":763.165,"end":787.44},{"sentences":[{"text":"Do you have access to your emails at the moment?","start":787.44,"end":789.62,"sentiment":"neutral","sentiment_score":0.030748167261481284},{"text":"Yes.","start":790.905,"end":791.22504,"sentiment":"neutral","sentiment_score":0.07387015968561172},{"text":"Perfect.","start":791.22504,"end":791.72504,"sentiment":"neutral","sentiment_score":0.14600929617881775},{"text":"Did that email come through okay?","start":792.745,"end":794.605,"sentiment":"neutral","sentiment_score":0.10611896341045697},{"text":"Yep.","start":796.025,"end":796.34503,"sentiment":"neutral","sentiment_score":0.10095012187957764}],"sentiment":"neutral","sentiment_score":0.06658026478008221,"num_words":19,"start":787.44,"end":796.34503},{"sentences":[{"text":"Perfect.","start":796.34503,"end":796.84503,"sentiment":"neutral","sentiment_score":0.17097896337509155},{"text":"Now it might look a little bit different to what you were used to before because we have changed the software.","start":797.065,"end":801.72504,"sentiment":"neutral","sentiment_score":0.033486831844562574},{"text":"But, essentially, before you click on the link where it says sign now, you should see a couple of attachments at the bottom of that email.","start":802.64996,"end":811.76996,"sentiment":"neutral","sentiment_score":0.06398749580750099},{"text":"Can you see that?","start":811.76996,"end":812.82996,"sentiment":"neutral","sentiment_score":0.04894994571805},{"text":"Yep.","start":814.01,"end":814.245,"sentiment":"neutral","sentiment_score":0.14563481509685516}],"sentiment":"neutral","sentiment_score":0.054326640020282764,"num_words":53,"start":796.34503,"end":814.245},{"sentences":[{"text":"Perfect.","start":814.485,"end":814.985,"sentiment":"neutral","sentiment_score":0.2999403476715088},{"text":"Now to make it easier from your side, what are the first ones you can see, and we can go through them in that way?","start":816.165,"end":822.425,"sentiment":"neutral","sentiment_score":0.20499574661254882},{"text":"Yep.","start":825.525,"end":826.025,"sentiment":"neutral","sentiment_score":0.10579127073287964},{"text":"Perfect.","start":826.245,"end":826.745,"sentiment":"neutral","sentiment_score":0.25241053104400635},{"text":"And then yep.","start":827.045,"end":830.44,"sentiment":"neutral","sentiment_score":0.11722747733195622}],"sentiment":"neutral","sentiment_score":0.19789413699219305,"num_words":31,"start":814.485,"end":830.44},{"sentences":[{"text":"Perfect.","start":830.58,"end":831.08,"sentiment":"positive","sentiment_score":0.373899519443512},{"text":"So they they're both very they're both quite similar.","start":831.62,"end":835.94,"sentiment":"neutral","sentiment_score":0.15211034897300932},{"text":"But if you can open the the version one for me, the other one is just kind of a smaller version.","start":835.94,"end":841.815,"sentiment":"neutral","sentiment_score":0.049754787679939044},{"text":"Now you would have seen this one before, one of those compliance documents, but it gives you all the important information regarding us here for you.","start":841.815,"end":850.71497,"sentiment":"neutral","sentiment_score":0.22194918101796737},{"text":"We've had a bit of a change through marketing, which is good, and extension to the team a little bit as well.","start":851.33496,"end":857.88,"sentiment":"positive","sentiment_score":0.38588451729579404}],"sentiment":"neutral","sentiment_score":0.21579596567663212,"num_words":79,"start":830.58,"end":857.88},{"sentences":[{"text":"I'll let you kind of have a read over this in your own time.","start":858.10004,"end":861.38,"sentiment":"neutral","sentiment_score":0.21813224468912398},{"text":"But as you kind of scroll through if you scroll down to page 10, you will see a photo of myself, and sometimes it is nice to put a face to the voice.","start":861.38,"end":872.545,"sentiment":"neutral","sentiment_score":0.19163764426202484},{"text":"Yeah.","start":873.96497,"end":874.46497,"sentiment":"neutral","sentiment_score":0.2618536055088043},{"text":"Perfect.","start":874.605,"end":875.105,"sentiment":"positive","sentiment_score":0.4490609169006348},{"text":"Now the next yeah.","start":875.725,"end":878.445,"sentiment":"neutral","sentiment_score":0.10620762780308723}],"sentiment":"neutral","sentiment_score":0.19837054188521402,"num_words":53,"start":858.10004,"end":878.445},{"sentences":[{"text":"So if you hear a bit of an accent, that's why.","start":878.445,"end":880.865,"sentiment":"neutral","sentiment_score":0.01685423810373653},{"text":"No.","start":882.205,"end":882.705,"sentiment":"neutral","sentiment_score":-0.2754555344581604},{"text":"Some some people are like, oh, yeah.","start":884.08997,"end":885.37,"sentiment":"neutral","sentiment_score":-0.2295210851090295},{"text":"It's definitely there.","start":885.37,"end":886.33,"sentiment":"neutral","sentiment_score":-0.19308897852897644},{"text":"And some people are like, oh, yeah.","start":886.33,"end":887.37,"sentiment":"neutral","sentiment_score":-0.20075722677367075}],"sentiment":"neutral","sentiment_score":-0.12694048393389273,"num_words":29,"start":878.445,"end":887.37},{"sentences":[{"text":"No.","start":887.37,"end":887.61,"sentiment":"neutral","sentiment_score":-0.26074618101119995},{"text":"I couldn't tell.","start":887.61,"end":888.67,"sentiment":"neutral","sentiment_score":-0.27368517716725665},{"text":"Yeah.","start":891.13,"end":891.52997,"sentiment":"neutral","sentiment_score":-0.11922747641801834},{"text":"I've heard that, but then I do one of my colleagues that sit next to me is English, and he would probably disagree to that.","start":891.52997,"end":896.99,"sentiment":"neutral","sentiment_score":-0.19885247975587844},{"text":"So next one, is that the super and insurance summary?","start":900.255,"end":903.15497,"sentiment":"neutral","sentiment_score":-0.0034351026639342307}],"sentiment":"neutral","sentiment_score":-0.1551673052366823,"num_words":40,"start":887.37,"end":903.15497},{"sentences":[{"text":"Is that the next one you can see?","start":906.01495,"end":907.875,"sentiment":"neutral","sentiment_score":-0.005759698688052595},{"text":"Okay.","start":914.75,"end":915.15,"sentiment":"neutral","sentiment_score":0.014820953831076622},{"text":"Yeah.","start":915.15,"end":915.39,"sentiment":"neutral","sentiment_score":0.007321968674659729},{"text":"I'll skip that one.","start":915.39,"end":916.67,"sentiment":"neutral","sentiment_score":-0.01932459231466055},{"text":"I'll let you have a read over that on your own.","start":916.67,"end":918.43,"sentiment":"neutral","sentiment_score":0.05169500698420135}],"sentiment":"neutral","sentiment_score":0.01869648162275553,"num_words":25,"start":906.01495,"end":918.43},{"sentences":[{"text":"It's just like a smaller version of the the other one just for for your information.","start":918.43,"end":923.25,"sentiment":"neutral","sentiment_score":0.05443694000132382},{"text":"Yes.","start":926.90497,"end":927.145,"sentiment":"neutral","sentiment_score":0.08193416893482208},{"text":"If you can open that one for me.","start":927.145,"end":928.925,"sentiment":"neutral","sentiment_score":0.06372450152412057},{"text":"Now is that opened okay?","start":932.825,"end":935.245,"sentiment":"neutral","sentiment_score":0.051127268373966216},{"text":"Yes.","start":936.76,"end":936.84,"sentiment":"neutral","sentiment_score":0.12418681383132936}],"sentiment":"neutral","sentiment_score":0.0594369153822622,"num_words":31,"start":918.43,"end":936.84},{"sentences":[{"text":"Yeah.","start":936.84,"end":937.16003,"sentiment":"neutral","sentiment_score":0.21267910301685333},{"text":"Perfect.","start":937.16003,"end":937.66003,"sentiment":"positive","sentiment_score":0.3421242833137512},{"text":"Now you can see here your net wealth.","start":937.88,"end":940.22003,"sentiment":"neutral","sentiment_score":0.146436994895339},{"text":"So you have your super with net wealth.","start":940.52,"end":943.02,"sentiment":"neutral","sentiment_score":0.10548855271190405},{"text":"You do have approximately a $194,032 in there.","start":943.16003,"end":948.285,"sentiment":"neutral","sentiment_score":0.08143486455082893}],"sentiment":"neutral","sentiment_score":0.12391102629212233,"num_words":26,"start":936.84,"end":948.285},{"sentences":[{"text":"And underneath it, you have your nearest insurances.","start":949.245,"end":952.305,"sentiment":"neutral","sentiment_score":0.05599959101527929},{"text":"So for your life and total permanent disability insurance, you do have 1,187,498.","start":953.565,"end":963.06,"sentiment":"neutral","sentiment_score":0.02821737191138359},{"text":"Are you still quite happy with that level of cover, or what are your thoughts on, you know, your life and TKD insurance?","start":963.94,"end":970.36,"sentiment":"neutral","sentiment_score":0.27970460186833923},{"text":"Yeah.","start":974.58,"end":975.075,"sentiment":"neutral","sentiment_score":0.24510109424591064},{"text":"It will pay out, you know, the on the block.","start":976.275,"end":979.09503,"sentiment":"neutral","sentiment_score":0.2822678223252296}],"sentiment":"neutral","sentiment_score":0.187560140426186,"num_words":55,"start":949.245,"end":979.09503},{"sentences":[{"text":"Yeah.","start":979.395,"end":979.875,"sentiment":"neutral","sentiment_score":0.2621196508407593},{"text":"Leave extra to the family if something were to happen.","start":979.875,"end":982.275,"sentiment":"neutral","sentiment_score":0.2831654712557793},{"text":"And if you can't work from TPD, then it'll cover your income for a little while or so, which is good.","start":982.275,"end":989.015,"sentiment":"positive","sentiment_score":0.417142900682631},{"text":"And it's quite affordable as well for for what you have, I think, because from an insurance point of view, your occupation isn't super risky.","start":989.6,"end":999.04,"sentiment":"positive","sentiment_score":0.5134070843458176},{"text":"It's not like an underground mine or something like that, so it's a little bit cheaper, which is which is good.","start":999.04,"end":1004.46497,"sentiment":"neutral","sentiment_score":0.23615213572269395}],"sentiment":"positive","sentiment_score":0.38010445175071556,"num_words":78,"start":979.395,"end":1004.46497},{"sentences":[{"text":"Now when it comes to your income protection, you do have 9,468 per month.","start":1004.925,"end":1011.985,"sentiment":"neutral","sentiment_score":0.3116625334535326},{"text":"Now how the income protection work as well is that you can have up to 70% of your income coverage.","start":1012.365,"end":1018.225,"sentiment":"neutral","sentiment_score":0.33158164843916893},{"text":"So when we took out the policy, were your income is that when you worked for the government?","start":1018.76996,"end":1023.81,"sentiment":"neutral","sentiment_score":0.05565418416841163},{"text":"Was your income a little bit higher than it is now as well?","start":1023.81,"end":1026.87,"sentiment":"neutral","sentiment_score":0.0132751831641564},{"text":"Do you remember?","start":1028.37,"end":1029.19,"sentiment":"neutral","sentiment_score":-0.04952015479405721}],"sentiment":"neutral","sentiment_score":0.17677500983700156,"num_words":68,"start":1004.925,"end":1029.19},{"sentences":[{"text":"No?","start":1029.97,"end":1030.395,"sentiment":"neutral","sentiment_score":-0.08318248391151428},{"text":"Okay.","start":1030.635,"end":1031.135,"sentiment":"neutral","sentiment_score":-0.0178034957498312},{"text":"The reason the reason I do ask is because if your income is around 142,000, that on a monthly basis, that would give you 8,283.","start":1031.675,"end":1044.8151,"sentiment":"neutral","sentiment_score":-0.022481281333602963},{"text":"So at the moment, you do have the full.","start":1045.3301,"end":1051.3501,"sentiment":"neutral","sentiment_score":-0.024791026591426797},{"text":"Okay.","start":1056.61,"end":1057.11,"sentiment":"neutral","sentiment_score":0.04137808457016945}],"sentiment":"neutral","sentiment_score":-0.022831328858218685,"num_words":37,"start":1029.97,"end":1057.11},{"sentences":[{"text":"Yes.","start":1057.25,"end":1057.75,"sentiment":"neutral","sentiment_score":0.08810405433177948},{"text":"Okay.","start":1071.04,"end":1071.52,"sentiment":"neutral","sentiment_score":0.07141099870204926},{"text":"Okay.","start":1073.2001,"end":1073.52,"sentiment":"neutral","sentiment_score":0.05928286910057068},{"text":"So it might be a little bit closer then, which is good.","start":1073.52,"end":1078.24,"sentiment":"neutral","sentiment_score":0.12475497492899497},{"text":"Because if there is a little bit of a gap of your income and what you are covered for, what would happen is that if you were to go to claim on the policy actually, let me have a look here.","start":1078.24,"end":1094.585,"sentiment":"neutral","sentiment_score":0.08869378323235162}],"sentiment":"neutral","sentiment_score":0.09557683453229922,"num_words":56,"start":1057.25,"end":1094.585},{"sentences":[{"text":"Your policy you actually have 70%, which is good.","start":1094.585,"end":1097.55,"sentiment":"positive","sentiment_score":0.4810962975025177},{"text":"So your policy was taken out before October 2021, which does mean that you have some grandfathered benefit on your policy, which is great.","start":1097.87,"end":1107.01,"sentiment":"positive","sentiment_score":0.39398640270034474},{"text":"Basically, if you were to take out a new insurance policy today for income protection, the max that you can be covered for is 70%.","start":1107.39,"end":1116.265,"sentiment":"neutral","sentiment_score":0.04180870175361633},{"text":"Because you are on the older plan, which is great because you used to have a little bit more, is that you can actually get 75%.","start":1116.8049,"end":1124.505,"sentiment":"neutral","sentiment_score":0.28782501415564465},{"text":"So 75% of your income is 8,875 on a monthly basis.","start":1125.91,"end":1133.2101,"sentiment":"neutral","sentiment_score":0.19377410276369614}],"sentiment":"neutral","sentiment_score":0.25732340404861853,"num_words":95,"start":1094.585,"end":1133.2101},{"sentences":[{"text":"That is basically if your income is 142, that's where you could get covered.","start":1133.5901,"end":1138.425,"sentiment":"neutral","sentiment_score":0.1187972112425736},{"text":"But let's say something were to happen to you tomorrow and your income is 142, it will mean that you will only be able to get 8,875 even though you are insured for a little bit more.","start":1138.745,"end":1153.8,"sentiment":"neutral","sentiment_score":0.02894265053642763},{"text":"Basically, the options are we can leave it as is because if your income will continue to kind of go up and with the new employer as well, if you're not a 100% sure what the income would be, it will just basically mean that you're paying a little bit more than at the moment you could claim.","start":1155.7201,"end":1172.835,"sentiment":"neutral","sentiment_score":-0.056068662092378686},{"text":"If we were to change it, so let's say we wanna reduce it for you, what would happen is that if you do go to a new employer and your income increases and you go, you know what?","start":1173.535,"end":1183.63,"sentiment":"neutral","sentiment_score":-0.10929399973859913},{"text":"I wanna change it back up, it will mean that your whole policy will have to be rewritten again, and you will lose those higher benefits.","start":1183.63,"end":1190.61,"sentiment":"neutral","sentiment_score":-0.21625210917912996}],"sentiment":"neutral","sentiment_score":-0.05950098383143501,"num_words":173,"start":1133.5901,"end":1190.61},{"sentences":[{"text":"So I am a little bit reluctant on doing that until at least your new your, you know, we know your new income.","start":1190.6699,"end":1198.055,"sentiment":"neutral","sentiment_score":-0.17350321781376135},{"text":"As long as you're okay with you know, you are a little bit over insured at the moment.","start":1198.055,"end":1203.035,"sentiment":"neutral","sentiment_score":-0.1458959761593077},{"text":"Not by much, though.","start":1203.495,"end":1204.795,"sentiment":"neutral","sentiment_score":-0.06977847497910261},{"text":"Great.","start":1206.535,"end":1207.035,"sentiment":"neutral","sentiment_score":0.014811672270298004},{"text":"Perfect.","start":1209.03,"end":1209.43,"sentiment":"positive","sentiment_score":0.3548765182495117}],"sentiment":"neutral","sentiment_score":-0.13885377212724787,"num_words":47,"start":1190.6699,"end":1209.43},{"sentences":[{"text":"That's good because it only increases.","start":1209.43,"end":1211.37,"sentiment":"neutral","sentiment_score":0.13768124083677927},{"text":"Yeah.","start":1212.2301,"end":1212.7301,"sentiment":"neutral","sentiment_score":0.03596470504999161},{"text":"Yes.","start":1215.1101,"end":1215.6101,"sentiment":"neutral","sentiment_score":0.03525385633111},{"text":"Yes.","start":1220.31,"end":1220.81,"sentiment":"neutral","sentiment_score":0.03178587928414345},{"text":"Yep.","start":1221.195,"end":1221.695,"sentiment":"neutral","sentiment_score":0.05177437514066696}],"sentiment":"neutral","sentiment_score":0.09808662608265876,"num_words":10,"start":1209.43,"end":1221.695},{"sentences":[{"text":"Normally, we get a a yearly income before tax from people because exactly like you said, they they'll get told that on the payslip, what it is.","start":1225.195,"end":1235.49,"sentiment":"neutral","sentiment_score":0.04640802465103291},{"text":"If it's if it's yep.","start":1235.8099,"end":1237.27,"sentiment":"neutral","sentiment_score":0.01657322756946087},{"text":"50 two typically because you do have your annual leave and stuff like that as well.","start":1247.25,"end":1255.385,"sentiment":"neutral","sentiment_score":0.014608513563871384},{"text":"Yes.","start":1255.385,"end":1255.885,"sentiment":"neutral","sentiment_score":0.02194811776280403},{"text":"Okay.","start":1261.065,"end":1261.465,"sentiment":"neutral","sentiment_score":0.06725368648767471}],"sentiment":"neutral","sentiment_score":0.033176416493952275,"num_words":50,"start":1225.195,"end":1261.465},{"sentences":[{"text":"Perfect.","start":1261.465,"end":1261.965,"sentiment":"positive","sentiment_score":0.4215209484100342},{"text":"Which which gets us closer.","start":1262.025,"end":1264.49,"sentiment":"neutral","sentiment_score":0.2081073671579361},{"text":"So that's then about 9,125, which is perfect.","start":1264.55,"end":1268.15,"sentiment":"positive","sentiment_score":0.47742899879813194},{"text":"So it's not much difference, which is great.","start":1268.15,"end":1270.41,"sentiment":"positive","sentiment_score":0.5048427805304527},{"text":"Now with your for all those reinsurance, you have inside super, so you don't pay for anything out of pocket.","start":1272.0701,"end":1277.925,"sentiment":"neutral","sentiment_score":0.08531032521277666}],"sentiment":"neutral","sentiment_score":0.26253425054961727,"num_words":42,"start":1261.465,"end":1277.925},{"sentences":[{"text":"So the premium for all three is about 2,251.","start":1278.405,"end":1282.185,"sentiment":"neutral","sentiment_score":0.06889252530203925},{"text":"Now the next report, is that where it says Netwealth super asset performance report?","start":1284.7251,"end":1290.745,"sentiment":"neutral","sentiment_score":0.04001164875392403},{"text":"Is that the one you can see next?","start":1291.91,"end":1293.53,"sentiment":"neutral","sentiment_score":0.02955382945947349},{"text":"Yeah.","start":1295.27,"end":1295.77,"sentiment":"neutral","sentiment_score":0.10291539132595062},{"text":"Perfect.","start":1295.91,"end":1296.41,"sentiment":"neutral","sentiment_score":0.23688703775405884}],"sentiment":"neutral","sentiment_score":0.05322511742512385,"num_words":33,"start":1278.405,"end":1296.41},{"sentences":[{"text":"See.","start":1297.51,"end":1298.01,"sentiment":"neutral","sentiment_score":0.12067284435033798},{"text":"Now this one here might look a little bit messy, but it does break down all your investments and how they have performed over the last twelve months.","start":1299.67,"end":1308.525,"sentiment":"neutral","sentiment_score":0.05111700236531241},{"text":"So as you probably have heard, the last twelve months have been a little bit more, you know, volatile and fluctuating.","start":1308.8251,"end":1314.685,"sentiment":"neutral","sentiment_score":-0.04112328620006641},{"text":"There's been a lot happening in the in the world and in the market.","start":1315.145,"end":1318.265,"sentiment":"neutral","sentiment_score":-0.050749169130410464},{"text":"We obviously had everything going over in The US with Trump and the tariffs and everything with a little bit of a fluctuation.","start":1318.265,"end":1323.5399,"sentiment":"neutral","sentiment_score":-0.06200405453210291}],"sentiment":"neutral","sentiment_score":-0.016646226686050838,"num_words":87,"start":1297.51,"end":1323.5399},{"sentences":[{"text":"And more recently, obviously, everything with the war has been a little bit of fluctuation.","start":1324.32,"end":1328.82,"sentiment":"neutral","sentiment_score":-0.09402495870987575},{"text":"Despite all of that, though, in the last twelve months, after phase, your portfolio has still gone up by 7.96%, which is actually really good given that what's happened in the last twelve months.","start":1330.4,"end":1345.435,"sentiment":"neutral","sentiment_score":0.2830701558576787},{"text":"So quite happy with that.","start":1346.375,"end":1348.055,"sentiment":"positive","sentiment_score":0.6164995670318604},{"text":"Now when you do look at your portfolio, so if you can see the column where it says return, can you see that?","start":1348.055,"end":1355.94,"sentiment":"neutral","sentiment_score":0.0630779097099667},{"text":"Yep.","start":1356.4,"end":1356.88,"sentiment":"neutral","sentiment_score":0.137381911277771}],"sentiment":"neutral","sentiment_score":0.1651882383112724,"num_words":78,"start":1324.32,"end":1356.88},{"sentences":[{"text":"So that one basically shows you the performance for each of your each of your investments.","start":1356.88,"end":1361.54,"sentiment":"neutral","sentiment_score":0.24528075568377972},{"text":"So as you can kind of see here that the main drivers of, you know, the growth is international investment, so particularly The US market, parts of Asia as well, but then also your the medic area.","start":1361.68,"end":1374.615,"sentiment":"neutral","sentiment_score":0.14854078719744812},{"text":"So, like, you can see the battery tech and lithium was up by a 105%, which is pretty crazy.","start":1374.615,"end":1379.9401,"sentiment":"neutral","sentiment_score":0.2723560286195655},{"text":"So that was performing exceptionally well.","start":1379.9401,"end":1382.1201,"sentiment":"positive","sentiment_score":0.5360387663046519},{"text":"Especially with fuel prices and everything at the moment as well.","start":1384.9,"end":1388.3401,"sentiment":"neutral","sentiment_score":-0.27268493717367}],"sentiment":"neutral","sentiment_score":0.16642656235882405,"num_words":89,"start":1356.88,"end":1388.3401},{"sentences":[{"text":"It's obviously driving the the electric vehicles and stuff like that.","start":1388.3401,"end":1393.275,"sentiment":"neutral","sentiment_score":-0.17553969675844366},{"text":"So the areas that kind of we saw not performing as well was the Australian market, and that was your active funds spend along Australian equity.","start":1393.275,"end":1404.9751,"sentiment":"neutral","sentiment_score":-0.06524138854673275},{"text":"Now I'm not sure if you saw the email.","start":1405.3099,"end":1408.35,"sentiment":"neutral","sentiment_score":-0.07228915103607708},{"text":"So we sent you an email on the March 13.","start":1408.35,"end":1411.25,"sentiment":"neutral","sentiment_score":0.00015148296952247636},{"text":"It wasn't one you had to sign or anything, but it gave you a bit of an update that because we are constantly, obviously, reviewing your portfolio, and if we do a lot of research on an investment and we foresee that it's not going to be the best option for you moving forward, and if it is slightly underperforming, then we wanna change it to something better to make sure we always have you in the best position.","start":1411.55,"end":1434.365,"sentiment":"neutral","sentiment_score":-0.15072688606532314}],"sentiment":"neutral","sentiment_score":-0.11987943922479948,"num_words":135,"start":1388.3401,"end":1434.365},{"sentences":[{"text":"So if you did read the email, you would have seen that we have actually changed that Benelon for you already through the Better Share Australia two hundred.","start":1434.9,"end":1443.8,"sentiment":"neutral","sentiment_score":0.11363808371658836},{"text":"And in doing so, the the performance are better, but it's also a little bit cheaper because it doesn't have the same active component.","start":1443.86,"end":1452.295,"sentiment":"neutral","sentiment_score":0.10363024783631165},{"text":"So if you did have any questions with that email, that was what that was, essentially.","start":1452.915,"end":1457.255,"sentiment":"neutral","sentiment_score":0.04109488846734166},{"text":"No?","start":1458.515,"end":1459.015,"sentiment":"neutral","sentiment_score":0.0107544157654047},{"text":"Yeah.","start":1462.61,"end":1462.93,"sentiment":"neutral","sentiment_score":0.11093509197235107}],"sentiment":"neutral","sentiment_score":0.09211714307644538,"num_words":70,"start":1434.9,"end":1462.93},{"sentences":[{"text":"Perfect.","start":1462.93,"end":1463.43,"sentiment":"positive","sentiment_score":0.3390767574310303},{"text":"Yep.","start":1466.05,"end":1466.55,"sentiment":"neutral","sentiment_score":0.09876322746276855},{"text":"The one that I see, I you can pull different reports.","start":1470.4501,"end":1473.27,"sentiment":"neutral","sentiment_score":0.04054898336868395},{"text":"Some can show daily.","start":1474.665,"end":1475.9451,"sentiment":"neutral","sentiment_score":0.02816306333988905},{"text":"Some can show weekly for it depends on which setting you have.","start":1475.9451,"end":1478.925,"sentiment":"neutral","sentiment_score":0.031933691973487534}],"sentiment":"neutral","sentiment_score":0.047577081344507895,"num_words":29,"start":1462.93,"end":1478.925},{"sentences":[{"text":"But the ones that we typically show is on a yearly basis.","start":1479.385,"end":1483.145,"sentiment":"neutral","sentiment_score":0.03335172279427449},{"text":"But, obviously, if you haven't been invested, you haven't it's been quite recent, obviously.","start":1483.145,"end":1487.3251,"sentiment":"neutral","sentiment_score":0.016264725010842085},{"text":"So for that one, it wouldn't be the full twelve months because it's obviously just been that time frame.","start":1488.5399,"end":1494.0599,"sentiment":"neutral","sentiment_score":0.05968038326031283},{"text":"So overall, we're happy with the the performance, and the one that was slightly underperforming that we didn't foresee coming back around, we've swapped out for you.","start":1494.0599,"end":1503.045,"sentiment":"neutral","sentiment_score":0.12963418017520947},{"text":"Do you have any questions in regards to any of that?","start":1504.3251,"end":1506.485,"sentiment":"neutral","sentiment_score":0.07335687293247743}],"sentiment":"neutral","sentiment_score":0.07311930810381849,"num_words":83,"start":1479.385,"end":1506.485},{"sentences":[{"text":"So that kind of makes sense.","start":1506.485,"end":1507.9451,"sentiment":"neutral","sentiment_score":0.060474022602041565},{"text":"No?","start":1511.045,"end":1511.365,"sentiment":"neutral","sentiment_score":-0.07252034544944763},{"text":"Makes sense?","start":1511.365,"end":1512.005,"sentiment":"neutral","sentiment_score":-0.016151557676494118},{"text":"Okay.","start":1512.005,"end":1512.485,"sentiment":"neutral","sentiment_score":0.10580185055732728},{"text":"Perfect.","start":1512.485,"end":1512.985,"sentiment":"positive","sentiment_score":0.336294025182724}],"sentiment":"neutral","sentiment_score":0.0636469591408968,"num_words":11,"start":1506.485,"end":1512.985},{"sentences":[{"text":"Now the other two documents you will see in your email is your Neos plan schedule.","start":1514.165,"end":1520.16,"sentiment":"neutral","sentiment_score":0.18539814744144678},{"text":"I won't get you to open that because that basically just shows you your insurances again, but a little bit more detail for you.","start":1520.4601,"end":1526.9401,"sentiment":"neutral","sentiment_score":0.13106250514586767},{"text":"But it shows you that everything is paid enough to 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you probably have seen this one before.","start":1538.425,"end":1542.745,"sentiment":"neutral","sentiment_score":0.10097442660480738}],"sentiment":"neutral","sentiment_score":0.08929284231271595,"num_words":32,"start":1534.585,"end":1542.745},{"sentences":[{"text":"It's just a bit of an updated version that they publish each year, which is great, But it is a really good kind of visual representation of the market and what we are talking about when we're talking about the market.","start":1542.745,"end":1555.37,"sentiment":"neutral","sentiment_score":0.30393513710033604},{"text":"And it also breaks down the different asset classes.","start":1555.37,"end":1558.4299,"sentiment":"neutral","sentiment_score":0.16046838959058127},{"text":"So it shows you your your growth investments, which is your top four there.","start":1558.49,"end":1563.135,"sentiment":"neutral","sentiment_score":0.16923266862119948},{"text":"So The US shares, Australian shares, international, and property, and then the bottom three, your your.","start":1563.135,"end":1568.595,"sentiment":"neutral","sentiment_score":0.10966728953644633},{"text":"Yep.","start":1570.3351,"end":1570.8151,"sentiment":"neutral","sentiment_score":0.2477041780948639}],"sentiment":"neutral","sentiment_score":0.22564437405930626,"num_words":81,"start":1542.745,"end":1570.8151},{"sentences":[{"text":"Perfect.","start":1570.8151,"end":1571.3151,"sentiment":"positive","sentiment_score":0.4342195689678192},{"text":"Now the other thing is if you're happy to do so, if you click on the link process sign now, it will then ask you to sign I think there's two documents, but let me know what you can see.","start":1572.175,"end":1585.05,"sentiment":"neutral","sentiment_score":0.18951173536479474},{"text":"And you should have one where it says Netwealth advisor fee consent form.","start":1588.745,"end":1593.165,"sentiment":"neutral","sentiment_score":0.24428540353591627},{"text":"That one is basically just that ongoing service agreement to say that you are happy to stay on as a client.","start":1593.9451,"end":1600.045,"sentiment":"positive","sentiment_score":0.4683811678772881},{"text":"There is no changes to the fee structure, though.","start":1600.79,"end":1603.6699,"sentiment":"neutral","sentiment_score":0.03691198883785142}],"sentiment":"neutral","sentiment_score":0.25426918636297896,"num_words":84,"start":1570.8151,"end":1603.6699},{"sentences":[{"text":"So that stays exactly the same at that 1.65 from Super.","start":1603.6699,"end":1608.33,"sentiment":"neutral","sentiment_score":0.23847093771804462},{"text":"No changes in regards to that one.","start":1608.39,"end":1610.65,"sentiment":"neutral","sentiment_score":0.02082853444984981},{"text":"And it is not a locking contract.","start":1611.03,"end":1612.635,"sentiment":"neutral","sentiment_score":0.04912241069333894},{"text":"So if at any point in time, you are not happy with the service, there is no lock in contract.","start":1612.715,"end":1616.8151,"sentiment":"neutral","sentiment_score":-0.06312103308737278},{"text":"So this essentially just lets us service your account and everything in the meantime.","start":1616.955,"end":1620.575,"sentiment":"neutral","sentiment_score":0.23524396866559982}],"sentiment":"neutral","sentiment_score":0.08718359034697888,"num_words":59,"start":1603.6699,"end":1620.575},{"sentences":[{"text":"Yep.","start":1629.77,"end":1630.27,"sentiment":"neutral","sentiment_score":0.14035604894161224},{"text":"Yep.","start":1651.7799,"end":1652.2799,"sentiment":"neutral","sentiment_score":0.14589613676071167},{"text":"Yeah.","start":1653.86,"end":1654.36,"sentiment":"neutral","sentiment_score":-0.12898124754428864},{"text":"And it's usually faced with that through that sometimes.","start":1656.74,"end":1659.24,"sentiment":"neutral","sentiment_score":-0.25043168995115495},{"text":"Some people are really good, but some some that calls maybe not.","start":1659.62,"end":1663.725,"sentiment":"neutral","sentiment_score":-0.09148010921974976}],"sentiment":"neutral","sentiment_score":-0.13309898258497319,"num_words":24,"start":1629.77,"end":1663.725},{"sentences":[{"text":"So, obviously, just just be mindful.","start":1664.025,"end":1665.965,"sentiment":"neutral","sentiment_score":-0.024879856655995052},{"text":"No.","start":1675.15,"end":1675.65,"sentiment":"neutral","sentiment_score":-0.0598653107881546},{"text":"Because self no.","start":1675.87,"end":1677.07,"sentiment":"neutral","sentiment_score":0.035012012968460716},{"text":"So self managed, that means that you have full control and responsibility of everything.","start":1677.07,"end":1682.51,"sentiment":"neutral","sentiment_score":0.15492818930319377},{"text":"So no.","start":1682.51,"end":1683.25,"sentiment":"neutral","sentiment_score":0.1347999945282936}],"sentiment":"neutral","sentiment_score":0.0897879318262522,"num_words":26,"start":1664.025,"end":1683.25},{"sentences":[{"text":"We do, obviously, all your investments and everything on your behalf, But then all the, you know, the tax and legislation, everything falls on us and your super fund.","start":1683.55,"end":1693.225,"sentiment":"neutral","sentiment_score":0.2087419125540503},{"text":"So you don't have to worry.","start":1693.225,"end":1694.1849,"sentiment":"neutral","sentiment_score":0.2432658945520719},{"text":"Like, it doesn't fall on you.","start":1694.1849,"end":1695.465,"sentiment":"neutral","sentiment_score":0.19937561204036078},{"text":"No.","start":1695.465,"end":1695.965,"sentiment":"neutral","sentiment_score":0.11395313590765},{"text":"But we obviously manage all your investments for you.","start":1696.0249,"end":1698.6849,"sentiment":"neutral","sentiment_score":0.22012078762054443}],"sentiment":"neutral","sentiment_score":0.21185107310028636,"num_words":51,"start":1683.55,"end":1698.6849},{"sentences":[{"text":"Yep.","start":1698.985,"end":1699.485,"sentiment":"neutral","sentiment_score":0.2542895972728729},{"text":"Yeah.","start":1709.0,"end":1709.3201,"sentiment":"neutral","sentiment_score":0.011048531159758568},{"text":"Yes.","start":1709.3201,"end":1709.8201,"sentiment":"neutral","sentiment_score":-0.03857845067977905},{"text":"For for some people, it's great because I think it's one of those things that's going around.","start":1711.64,"end":1716.06,"sentiment":"positive","sentiment_score":0.46352175754659314},{"text":"And peep and if it we can do it if it's for the right so we can definitely do it if it's for the right For some people, it's great.","start":1716.735,"end":1724.095,"sentiment":"positive","sentiment_score":0.3544079169631004}],"sentiment":"positive","sentiment_score":0.374777341298759,"num_words":50,"start":1698.985,"end":1724.095},{"sentences":[{"text":"For others, not.","start":1724.095,"end":1725.795,"sentiment":"neutral","sentiment_score":0.03439755986134211},{"text":"And I would say I've seen more closed down than set up.","start":1725.855,"end":1729.08,"sentiment":"neutral","sentiment_score":-0.07779152691364288},{"text":"And it's usually there's so much fees in regards to it.","start":1729.32,"end":1732.2799,"sentiment":"neutral","sentiment_score":-0.13689174604686824},{"text":"And the reason that most people do it is if they wanna buy, like, a property and they have, like, family members and stuff going into it or, like, a business and stuff, but it is quite complex and and costly.","start":1732.2799,"end":1744.9349,"sentiment":"neutral","sentiment_score":-0.13548016566328885},{"text":"So for most people, it's not suitable.","start":1745.075,"end":1748.535,"sentiment":"negative","sentiment_score":-0.4019339978694916}],"sentiment":"neutral","sentiment_score":-0.14465323820508816,"num_words":74,"start":1724.095,"end":1748.535},{"sentences":[{"text":"But for some for some, it is.","start":1748.6749,"end":1750.535,"sentiment":"neutral","sentiment_score":-0.10706684844834465},{"text":"Yeah.","start":1752.515,"end":1753.015,"sentiment":"neutral","sentiment_score":-0.028917141258716583},{"text":"Yeah.","start":1754.355,"end":1754.855,"sentiment":"neutral","sentiment_score":-0.010238329879939556},{"text":"Yes.","start":1757.0,"end":1757.5,"sentiment":"neutral","sentiment_score":0.01266312040388584},{"text":"And you don't want that possibility.","start":1758.2,"end":1759.58,"sentiment":"neutral","sentiment_score":-0.06229319299260775}],"sentiment":"neutral","sentiment_score":-0.07185746548930183,"num_words":16,"start":1748.6749,"end":1759.58},{"sentences":[{"text":"Otherwise, the the 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that?","start":1783.98,"end":1784.96,"sentiment":"neutral","sentiment_score":0.026988788042217493},{"text":"Yep.","start":1785.26,"end":1785.76,"sentiment":"neutral","sentiment_score":0.06492121517658234},{"text":"Basically, what this is, we do it every now and then because it is is good to do, especially if you change employers sometimes, but it's always good to do every now and then.","start":1786.3,"end":1794.54,"sentiment":"neutral","sentiment_score":0.16464496447759516},{"text":"It basically lets us search with the ATO if you have any old super funds out there.","start":1794.54,"end":1801.075,"sentiment":"neutral","sentiment_score":0.08357961716897347},{"text":"If it is, it'll let us find it, and we'll contact you, and we can do research on it.","start":1801.775,"end":1806.9149,"sentiment":"neutral","sentiment_score":0.1449679697030469}],"sentiment":"neutral","sentiment_score":0.13261400101085505,"num_words":75,"start":1783.98,"end":1806.9149},{"sentences":[{"text":"And then, obviously, it's trying to see if we can consolidate it.","start":1807.135,"end":1809.695,"sentiment":"neutral","sentiment_score":0.06746184453368187},{"text":"So it's just a good little check-in to see if because sometimes you'd be surprised on what we find, and sometimes one employer could have put one contribution one way or something like that.","start":1809.695,"end":1820.09,"sentiment":"neutral","sentiment_score":0.17691143897964673},{"text":"So it's just a little check-in.","start":1820.09,"end":1821.87,"sentiment":"neutral","sentiment_score":-0.078401830047369},{"text":"That's that's good, though.","start":1825.575,"end":1827.195,"sentiment":"neutral","sentiment_score":0.25510066002607346},{"text":"When you came on 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submitted.","start":1837.015,"end":1838.535,"sentiment":"neutral","sentiment_score":0.16237101455529532}],"sentiment":"neutral","sentiment_score":0.09055462783133542,"num_words":27,"start":1830.455,"end":1838.535},{"sentences":[{"text":"DHL will let us know, and then at least we'll triple check for you.","start":1838.535,"end":1841.57,"sentiment":"neutral","sentiment_score":0.16525787061878613},{"text":"Yep.","start":1842.35,"end":1842.75,"sentiment":"neutral","sentiment_score":0.20882248878479004},{"text":"Perfect.","start":1842.75,"end":1843.25,"sentiment":"positive","sentiment_score":0.3799046277999878},{"text":"So, yeah, basically, from here, if you are happy to sign those documents, it will prompt you, oh, great.","start":1844.0299,"end":1850.27,"sentiment":"neutral","sentiment_score":0.33197178495557683},{"text":"Perfect.","start":1850.27,"end":1850.77,"sentiment":"positive","sentiment_score":0.648544430732727}],"sentiment":"neutral","sentiment_score":0.27384293472601307,"num_words":36,"start":1838.535,"end":1850.77},{"sentences":[{"text":"I'll let the team know.","start":1851.63,"end":1852.83,"sentiment":"positive","sentiment_score":0.4900689959526062},{"text":"We will put all of this in force for you.","start":1852.83,"end":1856.835,"sentiment":"neutral","sentiment_score":0.28902180790901183},{"text":"If there is anything that you need at any point in time, though, just let us know.","start":1856.975,"end":1861.295,"sentiment":"neutral","sentiment_score":0.12347725603510351},{"text":"We can always book your info at catch up.","start":1861.295,"end":1863.535,"sentiment":"neutral","sentiment_score":0.19026831123563978},{"text":"And if it is that you, you know, change employees and you need access to your contribution forms or anything like that again, by all meal by all means, just send me an email or call the team, and we can get that sorted for you.","start":1863.535,"end":1875.94,"sentiment":"neutral","sentiment_score":0.16948890313506126}],"sentiment":"neutral","sentiment_score":0.19481127306647683,"num_words":87,"start":1851.63,"end":1875.94},{"sentences":[{"text":"Yes.","start":1893.2949,"end":1893.7949,"sentiment":"neutral","sentiment_score":0.09489764273166656},{"text":"It is.","start":1893.95,"end":1894.35,"sentiment":"neutral","sentiment_score":0.07651878520846367},{"text":"Yes.","start":1894.35,"end":1894.83,"sentiment":"neutral","sentiment_score":0.05243936181068421},{"text":"Sometimes people if it's harder to find, you should even just send send us an email, say, hey.","start":1894.83,"end":1898.99,"sentiment":"neutral","sentiment_score":0.048561490761737026},{"text":"I just need my report, and we can send it, and you just forward it on to your employer.","start":1898.99,"end":1902.29,"sentiment":"neutral","sentiment_score":0.09819352626800537}],"sentiment":"neutral","sentiment_score":0.07415020506738162,"num_words":41,"start":1893.2949,"end":1902.29},{"sentences":[{"text":"But, yes, it's in your network portal as well.","start":1902.51,"end":1904.99,"sentiment":"neutral","sentiment_score":0.11195695731374952},{"text":"It's just sometimes people find it tricky to find.","start":1904.99,"end":1907.65,"sentiment":"neutral","sentiment_score":-0.08567188224858707},{"text":"Yep.","start":1910.4451,"end":1910.9451,"sentiment":"neutral","sentiment_score":0.129176065325737},{"text":"That's 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14,892.","start":1970.43,"end":1973.7301,"sentiment":"neutral","sentiment_score":0.00026143664338936407}],"sentiment":"neutral","sentiment_score":0.04591437419602538,"num_words":34,"start":1918.2051,"end":1973.7301},{"sentences":[{"text":"Yeah.","start":1976.1901,"end":1976.6901,"sentiment":"neutral","sentiment_score":0.012733597308397291},{"text":"Yeah.","start":1977.2301,"end":1977.7301,"sentiment":"neutral","sentiment_score":0.04724001884460449},{"text":"So, yeah, last twelve months been been positive, especially given the market.","start":1978.5901,"end":1985.25,"sentiment":"neutral","sentiment_score":0.25046979263424873},{"text":"And, yeah, we have obviously swapped that one out for you.","start":1986.355,"end":1988.6749,"sentiment":"neutral","sentiment_score":0.10603300752964886},{"text":"So, hopefully, things settle down the next twelve months, but then at least you you're not in Benelung anymore, which is good.","start":1988.6749,"end":1995.095,"sentiment":"neutral","sentiment_score":0.10388364291495898}],"sentiment":"neutral","sentiment_score":0.13866839052594088,"num_words":47,"start":1976.1901,"end":1995.095},{"sentences":[{"text":"But if there's anything that's always you know, if there's any point in time that you log in and you are a bit concerned or anything, just give me a call.","start":1996.515,"end":2002.6699,"sentiment":"neutral","sentiment_score":0.07732334204258458},{"text":"We can always book you in for a catch up.","start":2002.6699,"end":2004.03,"sentiment":"neutral","sentiment_score":0.19087433367967604},{"text":"It doesn't have to be every twelve months.","start":2004.03,"end":2006.13,"sentiment":"neutral","sentiment_score":0.0819535544142127},{"text":"We can do it, you know, as frequently as if you have any questions or you wanna discuss anything in more detail.","start":2006.51,"end":2011.73,"sentiment":"neutral","sentiment_score":0.16207352416081863},{"text":"You can always always give us a call, and it's all part of their ongoing service.","start":2012.35,"end":2016.255,"sentiment":"neutral","sentiment_score":0.14447817811742425}],"sentiment":"neutral","sentiment_score":0.12458234203272853,"num_words":87,"start":1996.515,"end":2016.255},{"sentences":[{"text":"But we can do that as often as you would like.","start":2016.3949,"end":2018.575,"sentiment":"neutral","sentiment_score":0.11263189193877307},{"text":"Yeah.","start":2018.955,"end":2019.455,"sentiment":"neutral","sentiment_score":0.08039775490760803},{"text":"Yes.","start":2025.85,"end":2026.35,"sentiment":"neutral","sentiment_score":0.01188319269567728},{"text":"Yes.","start":2034.25,"end":2034.73,"sentiment":"neutral","sentiment_score":0.2161722183227539},{"text":"That's okay.","start":2034.73,"end":2035.2899,"sentiment":"neutral","sentiment_score":0.24539266526699066}],"sentiment":"neutral","sentiment_score":0.12738683173665777,"num_words":16,"start":2016.3949,"end":2035.2899},{"sentences":[{"text":"We can check-in Nextiva's Yeah.","start":2035.2899,"end":2037.71,"sentiment":"neutral","sentiment_score":0.07332927286624909},{"text":"Exactly.","start":2038.965,"end":2039.465,"sentiment":"neutral","sentiment_score":0.2263782024383545},{"text":"And if there's anything else you need, like I said, just give me a call or or send us an email.","start":2041.845,"end":2046.825,"sentiment":"neutral","sentiment_score":0.14342810284523738},{"text":"But, otherwise, I will let you go and enjoy the rest of your afternoon.","start":2047.765,"end":2052.185,"sentiment":"positive","sentiment_score":0.50832663582904},{"text":"And, yeah, enjoy the rest of your week as well, and it was lovely speaking to you.","start":2053.77,"end":2057.31,"sentiment":"positive","sentiment_score":0.7624450992135441}],"sentiment":"positive","sentiment_score":0.4083302468061447,"num_words":58,"start":2035.2899,"end":2057.31},{"sentences":[{"text":"Mhmm.","start":2058.97,"end":2059.1301,"sentiment":"neutral","sentiment_score":0.0963626503944397},{"text":"No problem.","start":2059.1301,"end":2059.69,"sentiment":"neutral","sentiment_score":0.2582401633262634},{"text":"We'll speak soon.","start":2059.69,"end":2060.6702,"sentiment":"neutral","sentiment_score":0.23489726583162943},{"text":"Okay.","start":2061.77,"end":2062.27,"sentiment":"neutral","sentiment_score":0.25965455174446106},{"text":"Bye.","start":2062.33,"end":2062.83,"sentiment":"neutral","sentiment_score":0.18027953803539276}],"sentiment":"neutral","sentiment_score":0.21968360804021358,"num_words":8,"start":2058.97,"end":2062.83}]}}]},{"alternatives":[{"transcript":"Hello? Yes. Yep. Yeah. Good. Yep. What I'm gonna do trying to connect to my headset. I'll get my computer while I do it. Yeah. Mhmm. Yep. Nicholas, very best in 62 Anniversary Avenue, Terrigal. Birthday? Alright. 08/29/1980. Sounds silly. Let me let off. Can you hear me? Yeah. Oh, yeah. Yes. Yeah. Look. I don't have, like, really, like, a I suppose Much ID. Nah. Yep. I'll just log in to the network. Yeah. I'm in my network. I can also keep up now. Mhmm. Yeah. Yeah. It is. Hopefully, they move out soon. They're like to be dependent, but it's not gonna really work. 21 and 18. I still got I think. Yeah. I I reckon I've got you if I had the new still. Yeah. Yeah. That's it. Yeah. Yep. Yep. Yeah. 0422, 679 855. Yeah. Kind of. I'm with a different company now. They called me a p and p. N e a p e a n. Yeah. I'm sorry. Oh, sorry. It's just n e p b a n and then power at the end of it. Yeah. Yeah. Yeah. And I'm look. And I'm actually probably gonna change soon as well. So it's all good. New employer. Yeah. That really well. It was about the April 6. Okay. I think it's been a year. Yeah. I think I have to get back to the government. I think it ruined me. You go from working thirty five hours a week into fifty. Yeah. Yep. I think it's about 142. No. I don't think so. I think it's like what's the standard? Is it 11 or 12 percent? Yeah. Yeah. I'll go to speed. Yeah. Yeah. It's probably about the same. It's gonna go nothing. No. I've got some of that down, actually. Give me two seconds. I was looking to my bank. 406,000. Yeah. Yeah. Probably. Yeah. Yeah. Probably about the same still. Yeah. Now I've got just so I gotta get in get in to him until I'm asking about that. I gotta be at 90 now. Nah. No. No. Don't even have a credit card. Yep. No. No. No. I'm playing over over 45 socket issues. So you can't co founder. Yeah. I'm getting hey. Yeah. It's all good. I'm I'm all I mean, yeah, I'm the youngest one now. So that's that's all good. Yes. Yeah. That's why I basically got it. Yeah. The the accountant said, oh, yeah. Because I was I actually ended up having last couple years of paid tax, which is crazy. And they said, oh, look. If you get private health insurance, that will help. Yeah. Yeah. I sure got it earlier because I kind of got into that later when you had to play the something that was something about that. Yeah. I think I've had it for about two years now. So I think I've only got another year or so before that kinda drops off and I get it cheaper again, I think. Yeah. Yep. K. Nah. Oh, no. No. Yeah. I'd still like to do that because of all you know, like, the world's a bit gone a bit funny lately, so we'll see what happens. No. Just the mortgage, really. Mhmm. Yep. When did you win some lose some? Malaysia. Yeah. Mhmm. Yep. Not look not target order. Yep. Yeah. Yeah. Yeah. Okay. You got the services guide version one, then services guide four, ZipRecru. Okay. Okay. K. Mhmm. Mhmm. Mhmm. Yeah. From Sweden. No. No. No. Not really. No. Maybe I would I would have more thought English. Next one. Oops. I just closed it. The next one is the services guide four. Yep. Next one is the Seaford Insurance summary. Yep. Yep. Mhmm. Yeah. Yeah. It's kinda it'll pay out everything. No. No. I don't think so. Is that before tax or after? I might get paid more than that. Yeah. I get a bit. I did have my payslip up before. It's roughly about 2 so just about 2,071. Now let me just get back here. Yep. Mhmm. Yep. Yeah. Mhmm. Yeah. Yeah. Look. I'm I'm only gonna earn more money. I'm not ever gonna go to a job. I'm blessed. When you do work here yeah. Because this payslip, I'm looking at a payslip. It's a little bit different to what I used for the government because the government used to just tell you how much you got paid each year and then with the breakdown. Do you work it out on forty eight weeks of the year? Yeah. Oh, I'm just work I'm just working out how what the yearly salary is. Do you just you're only working out on forty eight weeks, but don't you? What are you working out on fifty two? You paid for it for it. Yeah. That's it. Let me let me see exactly then. $8.01 8 times 52. $0,146. Yeah. There was there. Right? Mhmm. Yep. Yep. Yeah. Yeah. Okay. Mhmm. Mhmm. Yep. Yep. Yeah. I think that's gonna kick down. Mhmm. Yep. Mhmm. Yep. Yep. Mhmm. Yep. Yeah. No. No. It's all good. I I'm actually on my I logged into Netwealth as well. So, yeah, that shows up better shares. It kinda went up to the grand in the last is that monthly? Does that does that kind of Yeah. Yeah. Mhmm. Right. Yep. No. No. It makes sense. Mhmm. Yeah. I think they send that to me as well, I think. Yeah. Vanguard. Yeah. Yep. Yeah. Yeah. I see that. Mhmm. Look. Yeah. Look. I don't know if you I suppose you get it all the time too. Like, I don't know. Every now and then, people renew. And they go, oh, you could get so much more, and then I got there. This is why I kinda just settled. I think, probably one of those first times either with you guys. I was we did a pretty my insurance was really high, they found. Yeah. Look. I think it's been pretty good, so I don't think I need to really keep tripping and changing. Oh, yeah. Look. Yeah. And you get it like and then I I kinda had something. Can you this is not a self managed super fund, is it? Or it is? Yeah. Sorry. Yeah. Yeah. Yeah. Yeah. Yeah. Cool. Alright. No. Because that was another thing that people had someone ring me about it, and then but then I looked into it, and then I it looks like it's a self managed one, you know, and it's a bit too hard a bit too hard for me. Yeah. Yeah. No. It'd be someone for someone that works in the finance industry, I'm more assuming that that was every day, all day, and can yeah. Yeah. It's all good. Yep. Mhmm. Yep. Mhmm. Yeah. I've been pretty boring. I haven't really had that many jobs. But yeah. And that's kind of thing what we did when we did all this as well. Yeah. Yeah. I did. Mhmm. Yep. Yeah. No worries. I think I did it there. What I I can't remember what I did last time. Did you go into the network? I think it's the network. Well, you log in to network, and then there's, like, a form you download. Yeah. Well, I I I do get curious all the time. So I do jump on the network wealth site kind of every now and then to see how it's going. Well, I don't know. There's barely much else you could do. You kind of, like it has kind of if I go through and run a report from when I first put it in to now, I think it has grown. I don't know how to get back to that anyway. Not massively, I don't think. Because, obviously, you still put in I don't know. How much do I put in per year? About $20.25, maybe? Yeah. Which is crazy, isn't it? Yeah. Mhmm. Yeah. That's alright. Yep. Yeah. That's cool. Yeah. Look. And I've been yeah. As I said, I'll check it every now and then. I'd I'd have kept it in my mind that they had you know, I haven't really thought about buying another another house yet. But but I know it's all there if I need to. So Alright. Yeah. You too. You too. No. Thank you. Alright. Thank you. Alright. 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Yes. Yep. Yeah. Good.\n\nYep. What I'm gonna do trying to connect to my headset. I'll get my computer while I do it. Yeah. Mhmm.\n\nYep. Nicholas, very best in 62 Anniversary Avenue, Terrigal. Birthday? Alright. 08/29/1980.\n\nSounds silly. Let me let off. Can you hear me? Yeah. Oh, yeah.\n\nYes. Yeah. Look. I don't have, like, really, like, a I suppose Much ID. Nah.\n\nYep. I'll just log in to the network. Yeah. I'm in my network. I can also keep up now.\n\nMhmm. Yeah. Yeah. It is. Hopefully, they move out soon.\n\nThey're like to be dependent, but it's not gonna really work. 21 and 18. I still got I think. Yeah. I I reckon I've got you if I had the new still.\n\nYeah. Yeah. That's it. Yeah. Yep.\n\nYep. Yeah. 0422, 679 855. Yeah. Kind of.\n\nI'm with a different company now. They called me a p and p. N e a p e a n. Yeah. I'm sorry.\n\nOh, sorry. It's just n e p b a n and then power at the end of it. Yeah. Yeah. Yeah.\n\nAnd I'm look. And I'm actually probably gonna change soon as well. So it's all good. New employer. Yeah.\n\nThat really well. It was about the April 6. Okay. I think it's been a year. Yeah.\n\nI think I have to get back to the government. I think it ruined me. You go from working thirty five hours a week into fifty. Yeah. Yep.\n\nI think it's about 142. No. I don't think so. I think it's like what's the standard? Is it 11 or 12 percent?\n\nYeah. Yeah. I'll go to speed. Yeah. Yeah.\n\nIt's probably about the same. It's gonna go nothing. No. I've got some of that down, actually. Give me two seconds.\n\nI was looking to my bank. 406,000. Yeah. Yeah. Probably.\n\nYeah. Yeah. Probably about the same still. Yeah. Now I've got just so I gotta get in get in to him until I'm asking about that.\n\nI gotta be at 90 now. Nah. No. No. Don't even have a credit card.\n\nYep. No. No. No. I'm playing over over 45 socket issues.\n\nSo you can't co founder. Yeah. I'm getting hey. Yeah. It's all good.\n\nI'm I'm all I mean, yeah, I'm the youngest one now. So that's that's all good. Yes. Yeah. That's why I basically got it.\n\nYeah. The the accountant said, oh, yeah. Because I was I actually ended up having last couple years of paid tax, which is crazy. And they said, oh, look. If you get private health insurance, that will help.\n\nYeah. Yeah. I sure got it earlier because I kind of got into that later when you had to play the something that was something about that. Yeah. I think I've had it for about two years now.\n\nSo I think I've only got another year or so before that kinda drops off and I get it cheaper again, I think. Yeah. Yep. K. Nah.\n\nOh, no. No. Yeah. I'd still like to do that because of all you know, like, the world's a bit gone a bit funny lately, so we'll see what happens. No.\n\nJust the mortgage, really. Mhmm. Yep. When did you win some lose some? Malaysia.\n\nYeah. Mhmm. Yep. Not look not target order. Yep.\n\nYeah. Yeah. Yeah. Okay. You got the services guide version one, then services guide four, ZipRecru.\n\nOkay. Okay. K. Mhmm. Mhmm.\n\nMhmm. Yeah. From Sweden. No. No.\n\nNo. Not really. No. Maybe I would I would have more thought English. Next one.\n\nOops. I just closed it. The next one is the services guide four. Yep. Next one is the Seaford Insurance summary.\n\nYep. Yep. Mhmm. Yeah. Yeah.\n\nIt's kinda it'll pay out everything. No. No. I don't think so. Is that before tax or after?\n\nI might get paid more than that. Yeah. I get a bit. I did have my payslip up before. It's roughly about 2 so just about 2,071.\n\nNow let me just get back here. Yep. Mhmm. Yep. Yeah.\n\nMhmm. Yeah. Yeah. Look. I'm I'm only gonna earn more money.\n\nI'm not ever gonna go to a job. I'm blessed. When you do work here yeah. Because this payslip, I'm looking at a payslip. It's a little bit different to what I used for the government because the government used to just tell you how much you got paid each year and then with the breakdown.\n\nDo you work it out on forty eight weeks of the year? Yeah. Oh, I'm just work I'm just working out how what the yearly salary is. Do you just you're only working out on forty eight weeks, but don't you? What are you working out on fifty two?\n\nYou paid for it for it. Yeah. That's it. Let me let me see exactly then. $8.01 8 times 52.\n\n$0,146. Yeah. There was there. Right? Mhmm.\n\nYep. Yep. Yeah. Yeah. Okay.\n\nMhmm. Mhmm. Yep. Yep. Yeah.\n\nI think that's gonna kick down. Mhmm. Yep. Mhmm. Yep.\n\nYep. Mhmm. Yep. Yeah. No.\n\nNo. It's all good. I I'm actually on my I logged into Netwealth as well. So, yeah, that shows up better shares. It kinda went up to the grand in the last is that monthly?\n\nDoes that does that kind of Yeah. Yeah. Mhmm. Right. Yep.\n\nNo. No. It makes sense. Mhmm. Yeah.\n\nI think they send that to me as well, I think. Yeah. Vanguard. Yeah. Yep.\n\nYeah. Yeah. I see that. Mhmm. Look.\n\nYeah. Look. I don't know if you I suppose you get it all the time too. Like, I don't know. Every now and then, people renew.\n\nAnd they go, oh, you could get so much more, and then I got there. This is why I kinda just settled. I think, probably one of those first times either with you guys. I was we did a pretty my insurance was really high, they found. Yeah.\n\nLook. I think it's been pretty good, so I don't think I need to really keep tripping and changing. Oh, yeah. Look. Yeah.\n\nAnd you get it like and then I I kinda had something. Can you this is not a self managed super fund, is it? Or it is? Yeah. Sorry.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nCool. Alright. No. Because that was another thing that people had someone ring me about it, and then but then I looked into it, and then I it looks like it's a self managed one, you know, and it's a bit too hard a bit too hard for me. Yeah.\n\nYeah. No. It'd be someone for someone that works in the finance industry, I'm more assuming that that was every day, all day, and can yeah. Yeah. It's all good.\n\nYep. Mhmm. Yep. Mhmm. Yeah.\n\nI've been pretty boring. I haven't really had that many jobs. But yeah. And that's kind of thing what we did when we did all this as well. Yeah.\n\nYeah. I did. Mhmm. Yep. Yeah.\n\nNo worries. I think I did it there. What I I can't remember what I did last time. Did you go into the network? I think it's the network.\n\nWell, you log in to network, and then there's, like, a form you download. Yeah. Well, I I I do get curious all the time. So I do jump on the network wealth site kind of every now and then to see how it's going. Well, I don't know.\n\nThere's barely much else you could do. You kind of, like it has kind of if I go through and run a report from when I first put it in to now, I think it has grown. I don't know how to get back to that anyway. Not massively, I don't think. Because, obviously, you still put in I don't know.\n\nHow much do I put in per year? About $20.25, maybe? Yeah. Which is crazy, isn't it? Yeah.\n\nMhmm. Yeah. That's alright. Yep. Yeah.\n\nThat's cool. Yeah. Look. And I've been yeah. As I said, I'll check it every now and then.\n\nI'd I'd have kept it in my mind that they had you know, I haven't really thought about buying another another house yet. But but I know it's all there if I need to. So Alright. Yeah. You too.\n\nYou too. No. Thank you. Alright. Thank you.\n\nAlright. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.79999995,"end":1.3,"sentiment":"neutral","sentiment_score":0.054319802671670914},{"text":"Yes.","start":3.76,"end":4.26,"sentiment":"neutral","sentiment_score":0.16309818625450134},{"text":"Yep.","start":7.9199996,"end":8.4,"sentiment":"neutral","sentiment_score":0.19090169668197632},{"text":"Yeah.","start":8.4,"end":8.639999,"sentiment":"positive","sentiment_score":0.3464892506599426},{"text":"Good.","start":8.639999,"end":9.139999,"sentiment":"positive","sentiment_score":0.6497246026992798}],"sentiment":"neutral","sentiment_score":0.2809067077934742,"num_words":5,"start":0.79999995,"end":9.139999},{"sentences":[{"text":"Yep.","start":15.365,"end":15.684999,"sentiment":"neutral","sentiment_score":0.07309025526046753},{"text":"What I'm gonna do trying to connect to my headset.","start":15.684999,"end":22.664999,"sentiment":"neutral","sentiment_score":0.031737088784575464},{"text":"I'll get my computer while I do 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Terrigal.","start":54.885,"end":62.609997,"sentiment":"neutral","sentiment_score":0.1322799501940608},{"text":"Birthday?","start":64.27,"end":64.77,"sentiment":"neutral","sentiment_score":0.04646936431527138},{"text":"Alright.","start":66.35,"end":66.83,"sentiment":"neutral","sentiment_score":0.05237647891044617},{"text":"08/29/1980.","start":66.83,"end":68.61,"sentiment":"neutral","sentiment_score":0.05156289786100387}],"sentiment":"neutral","sentiment_score":0.1045269404227535,"num_words":12,"start":54.405,"end":68.61},{"sentences":[{"text":"Sounds silly.","start":78.445,"end":79.165,"sentiment":"neutral","sentiment_score":-0.23254262655973434},{"text":"Let me let off.","start":79.165,"end":80.305,"sentiment":"neutral","sentiment_score":-0.12314834073185921},{"text":"Can you hear me?","start":116.62,"end":117.68,"sentiment":"neutral","sentiment_score":-0.07655085995793343},{"text":"Yeah.","start":119.740005,"end":120.240005,"sentiment":"neutral","sentiment_score":0.036545999348163605},{"text":"Oh, yeah.","start":124.885,"end":127.625,"sentiment":"neutral","sentiment_score":-0.004626506939530373}],"sentiment":"neutral","sentiment_score":-0.09512223618534896,"num_words":13,"start":78.445,"end":127.625},{"sentences":[{"text":"Yes.","start":130.565,"end":131.065,"sentiment":"neutral","sentiment_score":0.04030144214630127},{"text":"Yeah.","start":144.59,"end":145.09,"sentiment":"neutral","sentiment_score":-0.05130204185843468},{"text":"Look.","start":145.39,"end":145.71,"sentiment":"neutral","sentiment_score":-0.08324454724788666},{"text":"I don't have, like, really, like, a I suppose Much 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sorry.","start":295.45502,"end":296.015,"sentiment":"neutral","sentiment_score":-0.05436874367296696},{"text":"It's just n e p b a n and then power at the end of it.","start":296.015,"end":303.15,"sentiment":"neutral","sentiment_score":0.0022113831946626306},{"text":"Yeah.","start":307.94998,"end":308.44998,"sentiment":"neutral","sentiment_score":0.0048895422369241714},{"text":"Yeah.","start":309.15,"end":309.38998,"sentiment":"neutral","sentiment_score":0.027046166360378265},{"text":"Yeah.","start":309.38998,"end":309.79,"sentiment":"neutral","sentiment_score":0.020545270293951035}],"sentiment":"neutral","sentiment_score":-0.0009940179685751598,"num_words":21,"start":295.45502,"end":309.79},{"sentences":[{"text":"And I'm look.","start":309.79,"end":310.59,"sentiment":"neutral","sentiment_score":-0.0033696720687051616},{"text":"And I'm actually probably gonna change soon as well.","start":310.59,"end":314.37,"sentiment":"neutral","sentiment_score":0.024912158441212442},{"text":"So it's all good.","start":314.75,"end":316.13,"sentiment":"positive","sentiment_score":0.4793049916625023},{"text":"New employer.","start":318.72498,"end":319.54498,"sentiment":"neutral","sentiment_score":0.05843861401081085},{"text":"Yeah.","start":321.04498,"end":321.54498,"sentiment":"neutral","sentiment_score":0.26233452558517456}],"sentiment":"neutral","sentiment_score":0.13213327000113695,"num_words":19,"start":309.79,"end":321.54498},{"sentences":[{"text":"That really well.","start":321.60498,"end":322.66498,"sentiment":"positive","sentiment_score":0.4120526810487111},{"text":"It was about the April 6.","start":327.525,"end":331.14,"sentiment":"neutral","sentiment_score":0.014149774642040333},{"text":"Okay.","start":332.42,"end":332.62,"sentiment":"neutral","sentiment_score":0.07468080520629883},{"text":"I think it's been a 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crazy.","start":544.64496,"end":550.245,"sentiment":"neutral","sentiment_score":-0.048568068839171356},{"text":"And they said, oh, look.","start":550.245,"end":551.445,"sentiment":"neutral","sentiment_score":0.017505327239632607},{"text":"If you get private health insurance, that will help.","start":551.445,"end":554.345,"sentiment":"neutral","sentiment_score":0.06387956730193561}],"sentiment":"neutral","sentiment_score":-0.00578363367209309,"num_words":38,"start":542.33,"end":554.345},{"sentences":[{"text":"Yeah.","start":564.49005,"end":564.99005,"sentiment":"neutral","sentiment_score":0.06510096788406372},{"text":"Yeah.","start":569.29004,"end":569.79004,"sentiment":"neutral","sentiment_score":0.18427664041519165},{"text":"I sure got it earlier because I kind of got into that later when you had to play the something that was something about that.","start":570.01,"end":577.385,"sentiment":"neutral","sentiment_score":0.14415641397237777},{"text":"Yeah.","start":577.385,"end":577.885,"sentiment":"neutral","sentiment_score":0.06740418076515198},{"text":"I think I've had it for about two years now.","start":578.90497,"end":581.885,"sentiment":"neutral","sentiment_score":0.1888927161693573}],"sentiment":"neutral","sentiment_score":0.15288471842282697,"num_words":38,"start":564.49005,"end":581.885},{"sentences":[{"text":"So I think I've only got another year or so before that kinda drops off and I get it cheaper again, I think.","start":583.385,"end":589.73,"sentiment":"neutral","sentiment_score":0.10218008963958077},{"text":"Yeah.","start":597.47,"end":597.97,"sentiment":"neutral","sentiment_score":0.17593619227409363},{"text":"Yep.","start":598.19,"end":598.69,"sentiment":"neutral","sentiment_score":0.17582480609416962},{"text":"K.","start":606.805,"end":607.305,"sentiment":"neutral","sentiment_score":0.03833715245127678},{"text":"Nah.","start":612.965,"end":613.465,"sentiment":"neutral","sentiment_score":-0.1751970797777176}],"sentiment":"neutral","sentiment_score":0.09500159750934001,"num_words":27,"start":583.385,"end":613.465},{"sentences":[{"text":"Oh, no.","start":621.11005,"end":621.69,"sentiment":"neutral","sentiment_score":-0.1542816162109375},{"text":"No.","start":626.31,"end":626.81,"sentiment":"neutral","sentiment_score":-0.161712184548378},{"text":"Yeah.","start":644.49,"end":644.81,"sentiment":"neutral","sentiment_score":0.06289953738451004},{"text":"I'd still like to do that because of all you know, like, the world's a bit gone a bit funny lately, so we'll see what happens.","start":644.81,"end":652.11,"sentiment":"neutral","sentiment_score":-0.023470594386498515},{"text":"No.","start":662.245,"end":662.485,"sentiment":"neutral","sentiment_score":-0.05048561841249466}],"sentiment":"neutral","sentiment_score":-0.03445474038861932,"num_words":31,"start":621.11005,"end":662.485},{"sentences":[{"text":"Just the mortgage, really.","start":662.485,"end":664.025,"sentiment":"neutral","sentiment_score":-0.03870090516284108},{"text":"Mhmm.","start":669.39,"end":669.89,"sentiment":"neutral","sentiment_score":0.09428752958774568},{"text":"Yep.","start":677.22754,"end":677.72754,"sentiment":"neutral","sentiment_score":0.10370150208473206},{"text":"When did you win some lose some?","start":685.225,"end":686.905,"sentiment":"neutral","sentiment_score":-0.06518638825842313},{"text":"Malaysia.","start":686.905,"end":687.405,"sentiment":"neutral","sentiment_score":0.032395005226135254}],"sentiment":"neutral","sentiment_score":-0.027194592968693802,"num_words":14,"start":662.485,"end":687.405},{"sentences":[{"text":"Yeah.","start":699.785,"end":700.285,"sentiment":"neutral","sentiment_score":-0.03327522799372673},{"text":"Mhmm.","start":721.295,"end":721.795,"sentiment":"neutral","sentiment_score":0.06883199512958527},{"text":"Yep.","start":746.64,"end":746.955,"sentiment":"neutral","sentiment_score":0.19138821959495544},{"text":"Not look not target 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ZipRecru.","start":822.67,"end":832.61,"sentiment":"neutral","sentiment_score":0.11009465406338374}],"sentiment":"neutral","sentiment_score":0.10223510721698403,"num_words":16,"start":790.145,"end":832.61},{"sentences":[{"text":"Okay.","start":832.91,"end":833.41,"sentiment":"neutral","sentiment_score":0.08963905274868011},{"text":"Okay.","start":834.355,"end":834.675,"sentiment":"neutral","sentiment_score":0.07917183637619019},{"text":"K.","start":834.675,"end":835.175,"sentiment":"neutral","sentiment_score":0.04860647022724152},{"text":"Mhmm.","start":839.555,"end":840.055,"sentiment":"neutral","sentiment_score":0.038601428270339966},{"text":"Mhmm.","start":851.82,"end":852.32,"sentiment":"neutral","sentiment_score":0.11259344220161438}],"sentiment":"neutral","sentiment_score":0.07372244596481323,"num_words":5,"start":832.91,"end":852.32},{"sentences":[{"text":"Mhmm.","start":870.595,"end":871.095,"sentiment":"neutral","sentiment_score":0.18896283209323883},{"text":"Yeah.","start":873.07495,"end":873.57495,"sentiment":"neutral","sentiment_score":0.17193561792373657},{"text":"From Sweden.","start":876.69,"end":877.58997,"sentiment":"neutral","sentiment_score":0.10131219774484634},{"text":"No.","start":881.41,"end":881.49,"sentiment":"neutral","sentiment_score":-0.15764325857162476},{"text":"No.","start":881.49,"end":881.89,"sentiment":"neutral","sentiment_score":-0.17900216579437256}],"sentiment":"neutral","sentiment_score":0.03781290352344513,"num_words":6,"start":870.595,"end":881.89},{"sentences":[{"text":"No.","start":881.89,"end":882.20996,"sentiment":"neutral","sentiment_score":-0.2107960432767868},{"text":"Not really.","start":882.20996,"end":882.87,"sentiment":"neutral","sentiment_score":-0.25554317235946655},{"text":"No.","start":883.33,"end":883.83,"sentiment":"neutral","sentiment_score":-0.2201947420835495},{"text":"Maybe I would I would have more thought English.","start":888.205,"end":890.465,"sentiment":"neutral","sentiment_score":-0.31166452500555253},{"text":"Next 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two?","start":1245.49,"end":1247.17,"sentiment":"neutral","sentiment_score":0.0029844747623428702}],"sentiment":"neutral","sentiment_score":0.014914121896940835,"num_words":49,"start":1221.45,"end":1247.17},{"sentences":[{"text":"You paid for it for it.","start":1247.17,"end":1248.55,"sentiment":"neutral","sentiment_score":0.014012745892008146},{"text":"Yeah.","start":1250.6901,"end":1251.1901,"sentiment":"neutral","sentiment_score":0.016519438475370407},{"text":"That's it.","start":1251.5149,"end":1252.095,"sentiment":"neutral","sentiment_score":0.015621848404407501},{"text":"Let me let me see exactly then.","start":1252.1549,"end":1254.975,"sentiment":"neutral","sentiment_score":0.01871120716844286},{"text":"$8.01 8 times 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all good.","start":1457.8251,"end":1458.385,"sentiment":"neutral","sentiment_score":0.058538369834423065},{"text":"I I'm actually on my I logged into Netwealth as well.","start":1458.385,"end":1462.3,"sentiment":"neutral","sentiment_score":0.03715471770953049},{"text":"So, yeah, that shows up better shares.","start":1462.52,"end":1464.36,"sentiment":"neutral","sentiment_score":0.1901240535080433},{"text":"It kinda went up to the grand in the last is that monthly?","start":1464.36,"end":1468.12,"sentiment":"neutral","sentiment_score":0.12470136661655627}],"sentiment":"neutral","sentiment_score":0.09901420380920171,"num_words":35,"start":1457.665,"end":1468.12},{"sentences":[{"text":"Does that does that kind of 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renew.","start":1627.895,"end":1629.355,"sentiment":"neutral","sentiment_score":0.007497099849085013}],"sentiment":"neutral","sentiment_score":0.03281513429605044,"num_words":26,"start":1621.895,"end":1629.355},{"sentences":[{"text":"And they go, oh, you could get so much more, and then I got there.","start":1631.495,"end":1634.535,"sentiment":"neutral","sentiment_score":0.15906784683465958},{"text":"This is why I kinda just settled.","start":1634.535,"end":1636.155,"sentiment":"neutral","sentiment_score":0.10987321819577898},{"text":"I think, probably one of those first times either with you guys.","start":1636.17,"end":1640.11,"sentiment":"neutral","sentiment_score":0.10927330578366916},{"text":"I was we did a pretty my insurance was really high, they found.","start":1641.2101,"end":1644.99,"sentiment":"neutral","sentiment_score":-0.08682081447197841},{"text":"Yeah.","start":1646.89,"end":1647.2101,"sentiment":"neutral","sentiment_score":0.10656535625457764}],"sentiment":"neutral","sentiment_score":0.07175634723777573,"num_words":48,"start":1631.495,"end":1647.2101},{"sentences":[{"text":"Look.","start":1647.2101,"end":1647.7101,"sentiment":"neutral","sentiment_score":0.19901598989963531},{"text":"I think it's been pretty good, so I don't think I need to really keep tripping and changing.","start":1649.435,"end":1655.455,"sentiment":"neutral","sentiment_score":0.0467052451438374},{"text":"Oh, yeah.","start":1664.33,"end":1664.73,"sentiment":"neutral","sentiment_score":0.015194883570075035},{"text":"Look.","start":1664.73,"end":1665.23,"sentiment":"neutral","sentiment_score":-0.016685249283909798},{"text":"Yeah.","start":1666.73,"end":1667.21,"sentiment":"neutral","sentiment_score":0.036199286580085754}],"sentiment":"neutral","sentiment_score":0.047374530735871064,"num_words":23,"start":1647.2101,"end":1667.21},{"sentences":[{"text":"And you get it like and then I I kinda had something.","start":1667.21,"end":1670.03,"sentiment":"neutral","sentiment_score":0.010410880825171867},{"text":"Can you this is not a self managed super fund, is it?","start":1670.25,"end":1674.945,"sentiment":"neutral","sentiment_score":-0.019415035688628752},{"text":"Or it is?","start":1675.505,"end":1676.3849,"sentiment":"neutral","sentiment_score":-0.0046834200620651245},{"text":"Yeah.","start":1676.3849,"end":1676.705,"sentiment":"neutral","sentiment_score":0.030345508828759193},{"text":"Sorry.","start":1676.705,"end":1677.205,"sentiment":"neutral","sentiment_score":0.024482160806655884}],"sentiment":"neutral","sentiment_score":-0.0023197396176642387,"num_words":29,"start":1667.21,"end":1677.205},{"sentences":[{"text":"Yeah.","start":1680.945,"end":1681.445,"sentiment":"neutral","sentiment_score":0.1631808578968048},{"text":"Yeah.","start":1683.985,"end":1684.235,"sentiment":"neutral","sentiment_score":0.18795666098594663},{"text":"Yeah.","start":1684.235,"end":1684.735,"sentiment":"neutral","sentiment_score":0.18630686402320865},{"text":"Yeah.","start":1697.89,"end":1698.05,"sentiment":"neutral","sentiment_score":0.17676429450511932},{"text":"Yeah.","start":1698.05,"end":1698.55,"sentiment":"neutral","sentiment_score":0.22622601687908173}],"sentiment":"neutral","sentiment_score":0.18808693885803224,"num_words":5,"start":1680.945,"end":1698.55},{"sentences":[{"text":"Cool.","start":1698.69,"end":1699.19,"sentiment":"positive","sentiment_score":0.45572665333747864},{"text":"Alright.","start":1699.25,"end":1699.75,"sentiment":"neutral","sentiment_score":0.15930138528347015},{"text":"No.","start":1699.8099,"end":1700.05,"sentiment":"neutral","sentiment_score":-0.04200283437967301},{"text":"Because that was another thing that people had someone ring me about it, and then but then I looked into it, and then I it looks like it's a self managed one, you know, and it's a bit too hard a bit too hard for me.","start":1700.05,"end":1711.785,"sentiment":"neutral","sentiment_score":-0.07516784262818123},{"text":"Yeah.","start":1729.95,"end":1730.445,"sentiment":"neutral","sentiment_score":-0.0724221020936966}],"sentiment":"neutral","sentiment_score":-0.05914235317497514,"num_words":50,"start":1698.69,"end":1730.445},{"sentences":[{"text":"Yeah.","start":1743.005,"end":1743.39,"sentiment":"neutral","sentiment_score":-0.20036913454532623},{"text":"No.","start":1749.15,"end":1749.47,"sentiment":"neutral","sentiment_score":-0.1608920395374298},{"text":"It'd be someone for someone that works in the finance industry, I'm more assuming that that was every day, all day, and can yeah.","start":1749.47,"end":1757.97,"sentiment":"neutral","sentiment_score":-0.03541226009838283},{"text":"Yeah.","start":1758.195,"end":1758.695,"sentiment":"neutral","sentiment_score":-0.0011760182678699491},{"text":"It's all good.","start":1765.3049,"end":1766.1349,"sentiment":"neutral","sentiment_score":0.13486283272504807}],"sentiment":"neutral","sentiment_score":-0.026924764551222325,"num_words":30,"start":1743.005,"end":1766.1349},{"sentences":[{"text":"Yep.","start":1776.18,"end":1776.68,"sentiment":"neutral","sentiment_score":0.08230610191822052},{"text":"Mhmm.","start":1784.58,"end":1785.08,"sentiment":"neutral","sentiment_score":0.03509889915585518},{"text":"Yep.","start":1785.3,"end":1785.795,"sentiment":"neutral","sentiment_score":0.07754208147525787},{"text":"Mhmm.","start":1797.875,"end":1798.375,"sentiment":"neutral","sentiment_score":0.05830047279596329},{"text":"Yeah.","start":1820.315,"end":1820.815,"sentiment":"neutral","sentiment_score":-0.018475180491805077}],"sentiment":"neutral","sentiment_score":0.04695447497069836,"num_words":5,"start":1776.18,"end":1820.815},{"sentences":[{"text":"I've been pretty boring.","start":1821.275,"end":1822.575,"sentiment":"neutral","sentiment_score":-0.26426253840327263},{"text":"I haven't really had that many jobs.","start":1822.635,"end":1824.315,"sentiment":"neutral","sentiment_score":-0.1266681615795408},{"text":"But yeah.","start":1824.315,"end":1825.675,"sentiment":"neutral","sentiment_score":-0.01142930705100298},{"text":"And that's kind of thing what we did when we did all this as well.","start":1825.675,"end":1830.095,"sentiment":"neutral","sentiment_score":0.14256500539680322},{"text":"Yeah.","start":1830.715,"end":1831.17,"sentiment":"neutral","sentiment_score":0.07415628433227539}],"sentiment":"neutral","sentiment_score":0.008484326431463504,"num_words":29,"start":1821.275,"end":1831.17},{"sentences":[{"text":"Yeah.","start":1848.2251,"end":1848.4651,"sentiment":"neutral","sentiment_score":0.27215489745140076},{"text":"I did.","start":1848.4651,"end":1849.045,"sentiment":"positive","sentiment_score":0.3915451467037201},{"text":"Mhmm.","start":1856.01,"end":1856.51,"sentiment":"neutral","sentiment_score":0.20671458542346952},{"text":"Yep.","start":1864.0901,"end":1864.5901,"sentiment":"neutral","sentiment_score":0.1262584924697876},{"text":"Yeah.","start":1876.305,"end":1876.545,"sentiment":"neutral","sentiment_score":0.07416842877864838}],"sentiment":"neutral","sentiment_score":0.24373111625512442,"num_words":6,"start":1848.2251,"end":1876.545},{"sentences":[{"text":"No worries.","start":1876.545,"end":1877.285,"sentiment":"neutral","sentiment_score":0.08564320206642151},{"text":"I think I did it there.","start":1877.345,"end":1878.625,"sentiment":"neutral","sentiment_score":0.0509033165872097},{"text":"What I I can't remember what I did last time.","start":1878.625,"end":1881.125,"sentiment":"neutral","sentiment_score":-0.01644668458029628},{"text":"Did you go into the network?","start":1883.025,"end":1884.485,"sentiment":"neutral","sentiment_score":-0.002943832582483689},{"text":"I think it's the network.","start":1885.105,"end":1886.245,"sentiment":"neutral","sentiment_score":0.017352641001343726}],"sentiment":"neutral","sentiment_score":0.013149643702239826,"num_words":29,"start":1876.545,"end":1886.245},{"sentences":[{"text":"Well, you log in to network, and then there's, like, a form you download.","start":1889.45,"end":1893.23,"sentiment":"neutral","sentiment_score":0.04236718772777489},{"text":"Yeah.","start":1905.725,"end":1906.225,"sentiment":"neutral","sentiment_score":0.017983339726924896},{"text":"Well, I I I do get curious all the time.","start":1906.4451,"end":1910.2051,"sentiment":"neutral","sentiment_score":-0.12763154804706572},{"text":"So I do jump on the network wealth site kind of every now and then to see how it's going.","start":1910.2051,"end":1918.02,"sentiment":"neutral","sentiment_score":0.15311950892210008},{"text":"Well, I don't know.","start":1924.32,"end":1925.2,"sentiment":"neutral","sentiment_score":0.08674072846770287}],"sentiment":"neutral","sentiment_score":0.05600329754608018,"num_words":49,"start":1889.45,"end":1925.2},{"sentences":[{"text":"There's barely much else you could do.","start":1925.2,"end":1926.98,"sentiment":"neutral","sentiment_score":-0.04566503422600882},{"text":"You kind of, like it has kind of if I go through and run a report from when I first put it in to now, I think it has grown.","start":1928.5599,"end":1940.7051,"sentiment":"neutral","sentiment_score":0.14311831469337147},{"text":"I don't know how to get back to that anyway.","start":1943.4299,"end":1945.5299,"sentiment":"neutral","sentiment_score":-0.08347102291882039},{"text":"Not massively, I don't think.","start":1948.1499,"end":1950.1699,"sentiment":"neutral","sentiment_score":-0.13132476806640625},{"text":"Because, obviously, you still put in I don't know.","start":1951.59,"end":1954.23,"sentiment":"neutral","sentiment_score":-0.06286583054396841}],"sentiment":"neutral","sentiment_score":0.03142242060333002,"num_words":61,"start":1925.2,"end":1954.23},{"sentences":[{"text":"How much do I put in per year?","start":1954.23,"end":1955.6699,"sentiment":"neutral","sentiment_score":-0.024873513029888272},{"text":"About $20.25, maybe?","start":1955.6699,"end":1958.915,"sentiment":"neutral","sentiment_score":-0.006860095386703809},{"text":"Yeah.","start":1974.44,"end":1974.6799,"sentiment":"neutral","sentiment_score":-0.016435185447335243},{"text":"Which is crazy, isn't it?","start":1974.6799,"end":1976.38,"sentiment":"neutral","sentiment_score":-0.1359592482447624},{"text":"Yeah.","start":1978.12,"end":1978.62,"sentiment":"neutral","sentiment_score":0.09201042354106904}],"sentiment":"neutral","sentiment_score":-0.04576607741829422,"num_words":18,"start":1954.23,"end":1978.62},{"sentences":[{"text":"Mhmm.","start":1986.12,"end":1986.62,"sentiment":"neutral","sentiment_score":0.08241310715675354},{"text":"Yeah.","start":1995.765,"end":1996.245,"sentiment":"neutral","sentiment_score":0.08487304300069809},{"text":"That's alright.","start":1996.245,"end":1997.0651,"sentiment":"neutral","sentiment_score":0.08048468828201294},{"text":"Yep.","start":2006.73,"end":2007.23,"sentiment":"neutral","sentiment_score":0.133909672498703},{"text":"Yeah.","start":2017.215,"end":2017.535,"sentiment":"neutral","sentiment_score":0.05881112441420555}],"sentiment":"neutral","sentiment_score":0.08682938727239768,"num_words":6,"start":1986.12,"end":2017.535},{"sentences":[{"text":"That's cool.","start":2017.535,"end":2018.4349,"sentiment":"neutral","sentiment_score":0.18660537153482437},{"text":"Yeah.","start":2019.135,"end":2019.455,"sentiment":"neutral","sentiment_score":0.06872943043708801},{"text":"Look.","start":2019.455,"end":2019.615,"sentiment":"neutral","sentiment_score":0.05224146693944931},{"text":"And I've been yeah.","start":2019.615,"end":2023.775,"sentiment":"neutral","sentiment_score":0.043163382448256016},{"text":"As I said, I'll check it every now and then.","start":2023.775,"end":2025.955,"sentiment":"neutral","sentiment_score":0.08586973696947098}],"sentiment":"neutral","sentiment_score":0.08475180777410667,"num_words":18,"start":2017.535,"end":2025.955},{"sentences":[{"text":"I'd I'd have kept it in my mind that they had you know, I haven't really thought about buying another another house yet.","start":2026.735,"end":2034.38,"sentiment":"neutral","sentiment_score":-0.027937473162360813},{"text":"But but I know it's all there if I need to.","start":2035.4,"end":2038.28,"sentiment":"neutral","sentiment_score":0.06213404407555407},{"text":"So Alright.","start":2038.28,"end":2053.185,"sentiment":"neutral","sentiment_score":0.2505040802061558},{"text":"Yeah.","start":2053.185,"end":2053.425,"sentiment":"positive","sentiment_score":0.4495856761932373},{"text":"You too.","start":2053.425,"end":2054.085,"sentiment":"positive","sentiment_score":0.5328187644481659}],"sentiment":"neutral","sentiment_score":0.05274728122047889,"num_words":39,"start":2026.735,"end":2054.085},{"sentences":[{"text":"You too.","start":2057.585,"end":2058.145,"sentiment":"positive","sentiment_score":0.5049386471509933},{"text":"No.","start":2058.145,"end":2058.305,"sentiment":"neutral","sentiment_score":0.038997434079647064},{"text":"Thank you.","start":2058.305,"end":2059.005,"sentiment":"positive","sentiment_score":0.3945007026195526},{"text":"Alright.","start":2061.005,"end":2061.2449,"sentiment":"neutral","sentiment_score":0.2952393889427185},{"text":"Thank you.","start":2061.2449,"end":2061.9849,"sentiment":"positive","sentiment_score":0.5989982783794403}],"sentiment":"positive","sentiment_score":0.41638900991529226,"num_words":8,"start":2057.585,"end":2061.9849},{"sentences":[{"text":"Alright.","start":2062.2048,"end":2062.7048,"sentiment":"neutral","sentiment_score":0.2470611035823822},{"text":"Bye.","start":2062.845,"end":2063.345,"sentiment":"neutral","sentiment_score":-0.12034045904874802}],"sentiment":"neutral","sentiment_score":0.06336032226681709,"num_words":2,"start":2062.2048,"end":2063.345}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good morning. Is this Nicholas?\n\nChannel 1: Yes.\n\nChannel 0: This is Veronica from Achieve Financial. How are you?\n\nChannel 1: Yep. Yeah. Good.\n\nChannel 0: That's good. I had you booked in to go over your annual review. Is now still a good time for you?\n\nChannel 1: Yep. What I'm gonna do\n\nChannel 0: Yep. Yeah.\n\nChannel 1: trying to connect to my headset.\n\nChannel 0: Yep.\n\nChannel 1: I'll get my computer while\n\nChannel 0: Sounds good. While\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: do\n\nChannel 0: do\n\nChannel 1: it.\n\nChannel 0: kind of get that set up, as long as you can still hear me, just want to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. And just for security purposes, just to, make sure I'm speaking with the right person, could you\n\nChannel 1: Mhmm.\n\nChannel 0: confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Yep. Nicholas, very best in 62 Anniversary Avenue, Terrigal.\n\nChannel 0: Yep.\n\nChannel 1: Birthday?\n\nChannel 0: Yes, please.\n\nChannel 1: Alright. 08/29/1980.\n\nChannel 0: Perfect. Did you get that all set up, or are you still kind of getting the headset sorted?\n\nChannel 1: Sounds silly. Let me let off. Can you hear me?\n\nChannel 0: Yes. Can you hear me okay?\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. How's your day been so far? Been busy?\n\nChannel 1: Oh,\n\nChannel 0: Well,\n\nChannel 1: yeah.\n\nChannel 0: I will try not to keep you for too long. But\n\nChannel 1: Yes.\n\nChannel 0: before I kind of jump into that annual review, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any areas you would like me to focus more on or whether it's just a bit of a catch up to see where everything's at?\n\nChannel 1: Yeah. Look. I don't have, like, really, like, a I suppose Much\n\nChannel 0: Not a\n\nChannel 1: ID.\n\nChannel 0: burning question. No.\n\nChannel 1: Nah.\n\nChannel 0: That's okay. I'll I'll go through everything with you. And, obviously, if anything comes up, just feel free to ask away.\n\nChannel 1: Yep. I'll just\n\nChannel 0: Yep.\n\nChannel 1: log in to the network. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: I'm\n\nChannel 0: Perfect.\n\nChannel 1: in my network. I can also keep up now.\n\nChannel 0: Okay. Perfect. So the first thing I will run through with you is just a bit of an updated fact find on our end just to see if there's anything that has changed since we spoke to you last and if there is any, you know, changes we need to do to your advice. So just kind of bear with me as I go through and check off these things. Now\n\nChannel 1: Mhmm.\n\nChannel 0: when it comes to your personal information, I have you down here as married with two financial dependents. Is that still the case?\n\nChannel 1: Yeah. Yeah. It is.\n\nChannel 0: Yeah?\n\nChannel 1: Hopefully, they move out soon. They're like to be dependent, but it's not gonna really work.\n\nChannel 0: How how old is the oldest?\n\nChannel 1: 21 and 18.\n\nChannel 0: Yep. Especially\n\nChannel 1: I still got\n\nChannel 0: with\n\nChannel 1: I think. Yeah. I I reckon I've got you if I had the new still.\n\nChannel 0: the especially with today's living expenses and house prices and rental, it's making it harder for people.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: Yeah. That's\n\nChannel 0: Now\n\nChannel 1: it. Yeah.\n\nChannel 0: yeah. Yeah. Now next up, can I have Cassandra nominated? That's correct?\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: I don't have a phone number nominated for her, though. Would you be able to provide that to me?\n\nChannel 1: Yeah. 0422,\n\nChannel 0: Yep.\n\nChannel 1: 679\n\nChannel 0: Seven nine. Yep.\n\nChannel 1: 855.\n\nChannel 0: 855. Perfect. Thank you so much. Now when it comes to your employment, has anything changed, or you're still a electrical project manager?\n\nChannel 1: Yeah. Kind of. I'm with a different\n\nChannel 0: Yeah?\n\nChannel 1: company now.\n\nChannel 0: Okay. Who were you working for now?\n\nChannel 1: They called me a p and p.\n\nChannel 0: How do you spell that?\n\nChannel 1: N e a p e a n.\n\nChannel 0: Sorry? Yep.\n\nChannel 1: Yeah. I'm sorry.\n\nChannel 0: Perfect. And still kind of doing the same\n\nChannel 1: Oh, sorry. It's just n e p b a n\n\nChannel 0: yeah. Okay.\n\nChannel 1: and\n\nChannel 0: Perfect.\n\nChannel 1: then power at the end of it.\n\nChannel 0: Oh, great. Power. Yep. Perfect. Still doing kind of the same role just\n\nChannel 1: Yeah.\n\nChannel 0: for the different company.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. And I'm look. And I'm actually probably gonna change soon as\n\nChannel 0: Okay.\n\nChannel 1: well. So\n\nChannel 0: To\n\nChannel 1: it's all good.\n\nChannel 0: a a new occupation or new employer again?\n\nChannel 1: New employer.\n\nChannel 0: New employer. Okay.\n\nChannel 1: Yeah. That really well.\n\nChannel 0: Yeah. And when did you start this one?\n\nChannel 1: It was about the April 6.\n\nChannel 0: Oh, okay. Yep.\n\nChannel 1: Okay. I think it's been a year.\n\nChannel 0: Yeah. Sometimes you know, though. If it's not the right for you and if there's other opportunities out there, then, you know, you gotta do what's best and where you enjoy working.\n\nChannel 1: Yeah. I think I have to get back to the government. I think it ruined me.\n\nChannel 0: That's what a lot of people say when they do work in the government space. That is, you know, a little benefits and stuff like that.\n\nChannel 1: You go from working thirty five hours a week into fifty.\n\nChannel 0: Yeah. Pretty big difference.\n\nChannel 1: Yeah.\n\nChannel 0: And pay wise, what\n\nChannel 1: Yep.\n\nChannel 0: are you on at the moment?\n\nChannel 1: I think it's about 142.\n\nChannel 0: Forty two. Alright. Perfect. And your employer currently, they still just pay you that standard 12% contribution interest fee for, like, there's no EBA or anything like that in place?\n\nChannel 1: No. I don't think so. I think it's like what's the standard? Is it 11 or 12 percent?\n\nChannel 0: Twelve now. Yep. It increased.\n\nChannel 1: Yeah. Yeah. I'll go\n\nChannel 0: Yep.\n\nChannel 1: to speed.\n\nChannel 0: Just like the standard.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. Now asset and liability wise, I have here that last time we spoke to your property was valued at about 1.1. Is that still\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: It's\n\nChannel 0: case,\n\nChannel 1: probably\n\nChannel 0: or\n\nChannel 1: about\n\nChannel 0: is\n\nChannel 1: the\n\nChannel 0: that\n\nChannel 1: same. It's\n\nChannel 0: about\n\nChannel 1: gonna\n\nChannel 0: the same?\n\nChannel 1: go nothing.\n\nChannel 0: Yep. And mortgage about 494?\n\nChannel 1: No. I've got some\n\nChannel 0: That's\n\nChannel 1: of that down,\n\nChannel 0: good.\n\nChannel 1: actually. Give me two seconds. I was looking to my bank.\n\nChannel 0: Yeah. Sure.\n\nChannel 1: 406,000.\n\nChannel 0: Oh, perfect. And also, two motor vehicles, side at about 32,000?\n\nChannel 1: Yeah. Yeah. Probably. Yeah. Yeah.\n\nProbably about the\n\nChannel 0: About\n\nChannel 1: same\n\nChannel 0: that?\n\nChannel 1: still.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: And and about 60 in the offset account?\n\nChannel 1: Now I've got just so I gotta get in get in to him until I'm asking about that. I gotta be at 90 now.\n\nChannel 0: About 90. Perfect. Do you have any other new assets that we haven't gone over otherwise? Like, any motorbikes or\n\nChannel 1: Nah.\n\nChannel 0: no, any other liabilities, like personal loans, credit cards, ZipPay?\n\nChannel 1: No. No. Don't even\n\nChannel 0: No.\n\nChannel 1: have a credit card.\n\nChannel 0: Perfect. Now when it comes to health and lifestyle, I have you down here as a nonsmoker. Is that still the case?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And any changes to your health otherwise? Any significant health issues or injuries or anything?\n\nChannel 1: No. No.\n\nChannel 0: Nope.\n\nChannel 1: No. I'm\n\nChannel 0: Great.\n\nChannel 1: playing over over 45 socket issues. So you can't\n\nChannel 0: How's\n\nChannel 1: co\n\nChannel 0: that\n\nChannel 1: founder.\n\nChannel 0: going?\n\nChannel 1: Yeah. I'm getting hey. Yeah. It's all good. I'm\n\nChannel 0: Yeah.\n\nChannel 1: I'm all I mean, yeah, I'm the youngest one now. So that's that's\n\nChannel 0: That's\n\nChannel 1: all\n\nChannel 0: good for\n\nChannel 1: good.\n\nChannel 0: you. Yeah. Well, that's fun. And do you have private health insurance?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Perfect. And that's hospitals as well?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Great. Perfect. Especially with your high income, you don't wanna obviously be paying their additional medical levy searches if you don't\n\nChannel 1: That's\n\nChannel 0: hand it\n\nChannel 1: why\n\nChannel 0: have\n\nChannel 1: I\n\nChannel 0: it.\n\nChannel 1: basically got it. Yeah. The the accountant\n\nChannel 0: Yeah.\n\nChannel 1: said, oh, yeah. Because I was I actually ended up having last couple years of paid tax, which is crazy. And they said, oh, look. If you get private health insurance, that will help.\n\nChannel 0: Yes. Because that reduces that. And then sometimes sometimes you actually end up paying less with the private health insurance depending on your health and age and stuff like that. Whereas sometimes\n\nChannel 1: Yeah.\n\nChannel 0: it's, like, maybe a little bit more, but then at least you have a private health and you don't have to add a tax. So\n\nChannel 1: Yeah.\n\nChannel 0: it's definitely\n\nChannel 1: I sure\n\nChannel 0: worth\n\nChannel 1: got it earlier\n\nChannel 0: considering\n\nChannel 1: because I kind of got into that later when you had to play the something\n\nChannel 0: Extra.\n\nChannel 1: that was something about that. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I think I've had it for about two years now.\n\nChannel 0: Yep. Yeah.\n\nChannel 1: So I think I've only got another year or so before that kinda drops off and I\n\nChannel 0: Oh, that's\n\nChannel 1: get\n\nChannel 0: good.\n\nChannel 1: it cheaper\n\nChannel 0: Yeah.\n\nChannel 1: again, I think.\n\nChannel 0: Yeah. And, otherwise, when it comes to estate planning, I have here that you have a will in place.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Perfect. And I do have your nomination. So if something were to happen to you that you would like it to go to Cassandra as well. Yep.\n\nPerfect.\n\nChannel 1: K.\n\nChannel 0: Otherwise, you don't have anyone who makes any financial decisions for you.\n\nChannel 1: Nah.\n\nChannel 0: Not perfect. And are you politically exposed at all? Like, involved directly in politics?\n\nChannel 1: Oh, no.\n\nChannel 0: No. And you don't earn any income overseas or anything like that, do you?\n\nChannel 1: No.\n\nChannel 0: No. Perfect. I guess when it comes to kind of goals and stuff that you are working to it, last time when we spoke to you during annual review, you said kind of in the the medium terms of the next couple of years, Maybe look at buying another property. Is that kind of on the card still?\n\nChannel 1: Yeah. I'd still like to do that because\n\nChannel 0: Yeah.\n\nChannel 1: of\n\nChannel 0: Yeah.\n\nChannel 1: all you know, like, the world's a bit gone a bit funny\n\nChannel 0: Yeah.\n\nChannel 1: lately, so we'll see\n\nChannel 0: Yeah.\n\nChannel 1: what happens.\n\nChannel 0: Yeah. And, otherwise, do you have any other significant financial goals or anything that you guys are working towards?\n\nChannel 1: No. Just the mortgage,\n\nChannel 0: No.\n\nChannel 1: really.\n\nChannel 0: Yep. Just focus on paying down the mortgage. That sounds good.\n\nChannel 1: Mhmm.\n\nChannel 0: Now when it comes through superannuation as well, we currently have you invested in\n\nChannel 1: Yep.\n\nChannel 0: a high growth portfolio. Do you remember what it means to be a high growth investor at all?\n\nChannel 1: When did you win some lose some? Malaysia.\n\nChannel 0: Yeah. Kind of. So, essentially, a high growth, it means that, you know, you are looking at getting as much growth as you possibly can out of your student while you do have plenty of time until retirement.\n\nChannel 1: Yeah.\n\nChannel 0: But you're also kind of, you know, prepared to experience some levels of fluctuation in the short term in order to try to achieve that in the long term. And typically speaking, we do see a 90% also invested in your growth assets. So that will be things like Australian shares, international shares, property, and commodities. And\n\nChannel 1: Mhmm.\n\nChannel 0: that's basically what's going to maximize those returns for you at about 10% in defensive. So, like, your your cash, your fixed interest, and kind of go complain to that as well. When we are looking at a time frame, so making sure you have enough time in the market for fluctuations, in a high growth portfolio, typically, we want to allow at least eight years to retirement. So from\n\nChannel 1: Yep.\n\nChannel 0: a time point point of view, you're in a really good portfolio as long as you feel comfortable with, like, the level of risk and fluctuation that you are seeing, or would you like to change anything?\n\nChannel 1: Not look not target order.\n\nChannel 0: Yep. No. Perfect. And that's what most people say, especially now you do have, you know, plenty of time to try and grow that. And then, you know, as you do get closer and and, you know, into your your fifties and stuff, that some people then gradually start to decrease that a little bit.\n\nChannel 1: Yep.\n\nChannel 0: Alright. Perfect. Now the the last thing here is I just sent you an email with some documents to run through with you. Do you have access to your emails at the moment?\n\nChannel 1: Yeah.\n\nChannel 0: Yes. Perfect. Did that email come through okay?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. Now it might look a little bit different to what you were used to before because we have changed the software. But, essentially, before you click on the link where it says sign now, you should see a couple of attachments at the bottom of that email. Can you see that?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. Now to make it easier from your side, what are the first ones you can see, and we can go through them in that way?\n\nChannel 1: Okay. You got the services guide version one,\n\nChannel 0: Yep. Perfect.\n\nChannel 1: then\n\nChannel 0: And then\n\nChannel 1: services guide four,\n\nChannel 0: yep. Perfect. So they\n\nChannel 1: ZipRecru.\n\nChannel 0: they're both very\n\nChannel 1: Okay.\n\nChannel 0: they're\n\nChannel 1: Okay.\n\nChannel 0: both\n\nChannel 1: K.\n\nChannel 0: quite similar. But if you can open the the version one for me, the\n\nChannel 1: Mhmm.\n\nChannel 0: other one is just kind of a smaller version. Now you would have seen this one before, one of those compliance documents, but it gives you all the important information regarding us here for you. We've had a bit\n\nChannel 1: Mhmm.\n\nChannel 0: of a change through marketing, which is good, and extension to the team a little bit as well. I'll let you kind of have a read over this in your own time. But as you kind of scroll through if you scroll down to page 10, you will see a photo of myself, and sometimes it\n\nChannel 1: Mhmm.\n\nChannel 0: is nice to put a face to the voice.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Perfect. Now the\n\nChannel 1: From\n\nChannel 0: next\n\nChannel 1: Sweden.\n\nChannel 0: yeah. So if you hear a bit of an accent, that's why.\n\nChannel 1: No. No. No.\n\nChannel 0: No.\n\nChannel 1: Not really. No.\n\nChannel 0: Some some people are like, oh, yeah. It's definitely there. And some people are like, oh, yeah. No. I couldn't tell.\n\nChannel 1: Maybe I would I would have more thought English.\n\nChannel 0: Yeah. I've heard that, but then I do one of my colleagues that sit next to me is English, and he would probably disagree to that. So next one, is that the super and insurance summary? Is that the next one\n\nChannel 1: Next\n\nChannel 0: you\n\nChannel 1: one.\n\nChannel 0: can see?\n\nChannel 1: Oops. I just closed it. The next one is the services guide four.\n\nChannel 0: Okay. Yeah. I'll skip that one. I'll let you have a read over that on your own. It's just like a smaller version of the the other one\n\nChannel 1: Yep.\n\nChannel 0: just for for your information.\n\nChannel 1: Next one is the Seaford Insurance summary.\n\nChannel 0: Yes. If you can open that one for me.\n\nChannel 1: Yep.\n\nChannel 0: Now is that opened okay?\n\nChannel 1: Yep.\n\nChannel 0: Yes. Yeah. Perfect. Now you can see here your net wealth. So you have your super with net wealth.\n\nYou do have approximately a $194,032 in there. And underneath it, you have your nearest insurances.\n\nChannel 1: Mhmm.\n\nChannel 0: So for your life and total permanent disability insurance, you do have 1,187,498. Are you still quite happy with that level of cover, or what are your thoughts on, you know, your life and TKD insurance?\n\nChannel 1: Yeah. Yeah. It's\n\nChannel 0: Yeah.\n\nChannel 1: kinda\n\nChannel 0: It will pay out, you know,\n\nChannel 1: it'll\n\nChannel 0: the\n\nChannel 1: pay out\n\nChannel 0: on\n\nChannel 1: everything.\n\nChannel 0: the block. Yeah. Leave extra to the family if something were to happen. And if you can't work from TPD, then it'll cover your income for a little while or so, which is good. And it's quite affordable as well for for what you have, I think, because from an insurance point of view, your occupation isn't super risky.\n\nIt's not like an underground mine or something like that,\n\nChannel 1: No.\n\nChannel 0: so it's a little bit cheaper, which is which is good. Now when it comes to your income protection, you do have 9,468 per month. Now how the income protection work as well is that you can have up to 70% of your income coverage. So when we took out the policy, were your income is that when you worked for the government? Was your income a little bit higher than it is now as well?\n\nChannel 1: No.\n\nChannel 0: Do you remember? No?\n\nChannel 1: I\n\nChannel 0: Okay. The reason the reason I do ask\n\nChannel 1: don't\n\nChannel 0: is because if your income is around 142,000,\n\nChannel 1: think\n\nChannel 0: that on a\n\nChannel 1: so.\n\nChannel 0: monthly basis, that would give you 8,283. So at the moment, you do have\n\nChannel 1: Is that before tax or after?\n\nChannel 0: the full.\n\nChannel 1: I might get paid more than that. Yeah.\n\nChannel 0: Okay. Yes.\n\nChannel 1: I get a bit. I did have my payslip up before. It's roughly about 2 so just about 2,071.\n\nChannel 0: Okay.\n\nChannel 1: Now let\n\nChannel 0: Okay.\n\nChannel 1: me just\n\nChannel 0: So\n\nChannel 1: get\n\nChannel 0: it might\n\nChannel 1: back\n\nChannel 0: be\n\nChannel 1: here.\n\nChannel 0: a little bit closer then, which is good. Because if there is a little bit of a gap of your income and what you are covered for, what would happen is that if you were to go to claim on the policy actually, let me have a look here. Your policy you actually have 70%, which is good. So your policy was taken out before October 2021, which does mean that you have some grandfathered benefit on your policy, which is great. Basically,\n\nChannel 1: Yep.\n\nChannel 0: if you were to take out a new insurance policy today for income protection, the max that you can be covered for is 70%. Because\n\nChannel 1: Mhmm.\n\nChannel 0: you are on the older plan, which is great because you used to have a little bit more, is that you can actually get 75%. So 75% of your income is 8,875 on a monthly basis. That is\n\nChannel 1: Yep.\n\nChannel 0: basically if your income is 142, that's where you could get covered. But let's say\n\nChannel 1: Yeah.\n\nChannel 0: something were to happen to you tomorrow and your income is 142, it will mean that you will only be able to get 8,875 even though you are insured for a little bit more.\n\nChannel 1: Mhmm.\n\nChannel 0: Basically, the options are we can leave it as is because if your income will continue to kind of go up and with the new employer as well, if you're not a 100% sure what the income would be, it will just basically mean that you're paying a little bit more than at the moment you could claim. If we were to change it, so let's say we wanna reduce it for you, what would happen is that if you do go to a new employer and your income increases and you go, you know what? I wanna change it back up, it will mean that your whole policy will have to be rewritten again, and you will lose those higher benefits. So I am a little bit reluctant\n\nChannel 1: Yeah.\n\nChannel 0: on doing that until at least your new your, you know, we know your new income. As long as you're okay\n\nChannel 1: Yeah.\n\nChannel 0: with you know, you are a little bit over insured at the moment. Not by\n\nChannel 1: Look.\n\nChannel 0: much,\n\nChannel 1: I'm\n\nChannel 0: though.\n\nChannel 1: I'm only gonna earn more money. I'm not ever\n\nChannel 0: Great.\n\nChannel 1: gonna go to a job. I'm blessed.\n\nChannel 0: Perfect. That's good because it only\n\nChannel 1: When\n\nChannel 0: increases.\n\nChannel 1: you do work here yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Because this payslip, I'm looking at a payslip. It's a\n\nChannel 0: Yes.\n\nChannel 1: little bit different to what I used for the government because the government used to just tell you how much you got paid each year and then with\n\nChannel 0: Yes.\n\nChannel 1: the breakdown.\n\nChannel 0: Yep.\n\nChannel 1: Do you work it out on forty eight weeks of the year?\n\nChannel 0: Normally, we get a a yearly income before tax from people because exactly like you said, they they'll get told that on the payslip, what it is.\n\nChannel 1: Yeah.\n\nChannel 0: If it's\n\nChannel 1: Oh, I'm\n\nChannel 0: if\n\nChannel 1: just\n\nChannel 0: it's\n\nChannel 1: work\n\nChannel 0: yep.\n\nChannel 1: I'm just working out how what the yearly salary is. Do you just you're only working out on forty eight weeks, but don't you? What are you working out on fifty two? You\n\nChannel 0: 50\n\nChannel 1: paid for\n\nChannel 0: two\n\nChannel 1: it\n\nChannel 0: typically\n\nChannel 1: for it.\n\nChannel 0: because you do have your annual leave and stuff\n\nChannel 1: Yeah.\n\nChannel 0: like that as\n\nChannel 1: That's it. Let me let me see exactly then.\n\nChannel 0: well. Yes.\n\nChannel 1: $8.01 8 times 52. $0,146. Yeah. There was\n\nChannel 0: Okay.\n\nChannel 1: there.\n\nChannel 0: Perfect.\n\nChannel 1: Right?\n\nChannel 0: Which which gets us closer. So that's then about 9,125, which is perfect. So it's not much difference, which is great.\n\nChannel 1: Mhmm.\n\nChannel 0: Now with your for all those reinsurance, you have inside super, so you don't pay for anything out of pocket. So the premium for all three is about 2,251.\n\nChannel 1: Yep.\n\nChannel 0: Now the next report, is that where it says Netwealth super asset performance report? Is that the one you can see next?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. See. Now this one here might look a little bit messy, but it does break down all your investments and how they have performed over the last twelve months. So as you\n\nChannel 1: Yeah.\n\nChannel 0: probably have heard, the last twelve months have been a little bit more, you know, volatile and fluctuating. There's been a lot happening in the in the world and in the market. We obviously had everything going over in The US with Trump and the tariffs and everything with a little bit of a fluctuation. And more recently, obviously, everything with the war has been a little bit of fluctuation.\n\nChannel 1: Yeah.\n\nChannel 0: Despite all of that, though, in the last twelve months, after phase, your portfolio\n\nChannel 1: Okay.\n\nChannel 0: has still gone up by 7.96%, which is actually really good given that\n\nChannel 1: Mhmm.\n\nChannel 0: what's happened in the last twelve months. So quite happy with that. Now when you do look at your portfolio,\n\nChannel 1: Mhmm.\n\nChannel 0: so if you can see the column where it says return, can you see that? Yep.\n\nChannel 1: Yep.\n\nChannel 0: So that one basically shows you the performance for each of your each of your investments. So as you can kind of see here that the main drivers of, you know, the growth is international investment, so particularly The US market, parts of Asia as well, but then also your the medic area. So, like, you can see the battery tech and lithium was\n\nChannel 1: Yep.\n\nChannel 0: up by a 105%, which is pretty crazy. So that was performing exceptionally well.\n\nChannel 1: Yeah. I think that's gonna kick down.\n\nChannel 0: Especially with fuel prices and everything at the moment as well. It's obviously driving the the electric vehicles and stuff like that.\n\nChannel 1: Mhmm.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: the areas that kind of we saw not performing as well was the Australian market, and that was your active funds spend along Australian equity. Now I'm not\n\nChannel 1: Mhmm.\n\nChannel 0: sure if you saw the email. So we sent you an email on the March 13. It wasn't one you had to sign or anything, but it gave you a bit of an update that because we are constantly, obviously, reviewing your portfolio, and if we do a lot of research on an investment and we foresee that it's not going to be the best option for you moving forward, and if it is slightly underperforming, then we wanna change it to something better to make sure we always have you in the best position. So\n\nChannel 1: Yep.\n\nChannel 0: if you did read the email, you would have seen that we have actually changed that Benelon for you already through\n\nChannel 1: Yep.\n\nChannel 0: the Better Share Australia two hundred. And in doing\n\nChannel 1: Mhmm.\n\nChannel 0: so, the the performance are better, but it's also a little bit cheaper because it doesn't have the same active component. So if\n\nChannel 1: Yep.\n\nChannel 0: you did have any\n\nChannel 1: Yeah.\n\nChannel 0: questions with that email, that was what that was, essentially.\n\nChannel 1: No. No. It's all good. I\n\nChannel 0: No?\n\nChannel 1: I'm actually on my I logged into Netwealth as well. So,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, that\n\nChannel 0: Perfect.\n\nChannel 1: shows up better shares. It kinda went up to the\n\nChannel 0: Yep.\n\nChannel 1: grand in the last is that monthly? Does that does that kind of\n\nChannel 0: The one that I see, I you can pull different reports. Some can show daily. Some can show weekly for it depends on which setting you have. But the ones that we typically show is on a yearly basis. But, obviously, if you haven't\n\nChannel 1: Yeah.\n\nChannel 0: been invested, you haven't it's been quite recent, obviously. So for that one, it wouldn't be the full twelve months because it's obviously\n\nChannel 1: Yeah.\n\nChannel 0: just been that time frame. So overall, we're happy\n\nChannel 1: Mhmm.\n\nChannel 0: with\n\nChannel 1: Right.\n\nChannel 0: the the performance, and the one that was slightly underperforming that we didn't foresee coming back around, we've swapped out for you.\n\nChannel 1: Yep.\n\nChannel 0: Do you have any questions in regards to any of that? So that kind of makes sense.\n\nChannel 1: No. No. It makes sense.\n\nChannel 0: No? Makes sense? Okay. Perfect. Now the other two documents you will see in your email is your Neos plan schedule.\n\nI won't get you to open that because that basically just shows you your insurances again, but a little bit more detail for you. But it shows you that everything is paid enough\n\nChannel 1: Mhmm.\n\nChannel 0: to date.\n\nChannel 1: Yeah.\n\nChannel 0: And then\n\nChannel 1: I think\n\nChannel 0: the\n\nChannel 1: they\n\nChannel 0: last\n\nChannel 1: send that to me as well,\n\nChannel 0: they\n\nChannel 1: I think.\n\nChannel 0: do. Yep. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: No. They do.\n\nChannel 1: Vanguard.\n\nChannel 0: When they send us to us, they usually send it to you. So if you open the Vanguard\n\nChannel 1: Yeah.\n\nChannel 0: one, for example, you probably\n\nChannel 1: Yep.\n\nChannel 0: have seen this one before. It's just a bit of an updated version that they publish each year, which is great, But it is a really good kind of visual representation of the market and what we are talking about when we're talking about the market. And it also breaks down the different asset classes. So it shows you your your growth investments, which is your top four there. So The US shares, Australian shares, international, and property, and then the bottom three, your your.\n\nYep. Perfect. Now the other thing is if you're happy to do so, if you click on the link process sign now, it will then ask you to sign I think there's two documents, but let me know what you can see.\n\nChannel 1: Yeah. Yeah. I see that.\n\nChannel 0: And you should have one where it says Netwealth advisor fee consent form. That one is basically just that ongoing service agreement to say that you are happy to stay on as a client. There is\n\nChannel 1: Mhmm.\n\nChannel 0: no changes to the fee structure, though. So that stays exactly the same at that 1.65 from Super. No changes in regards to that one. And it is not a locking contract. So if at any point in time, you are not happy with the service, there is no lock in contract.\n\nSo this essentially just lets us service your account and everything in the meantime.\n\nChannel 1: Look. Yeah. Look. I don't know if you I suppose you get it all the time too. Like, I don't know.\n\nEvery now and then, people renew.\n\nChannel 0: Yep.\n\nChannel 1: And they go, oh, you could get so much more, and then I got there. This is why I kinda just settled. I think, probably one of those first times either with you guys. I was we did a pretty my insurance was really high, they found. Yeah.\n\nLook. I think it's been pretty good, so I\n\nChannel 0: Yep.\n\nChannel 1: don't think I need to really\n\nChannel 0: Yeah.\n\nChannel 1: keep tripping and changing.\n\nChannel 0: And it's usually faced with that through that sometimes. Some people are really good, but some some that calls maybe not. So, obviously,\n\nChannel 1: Oh, yeah.\n\nChannel 0: just\n\nChannel 1: Look.\n\nChannel 0: just be mindful.\n\nChannel 1: Yeah. And you get it like and then I I kinda had something. Can you this is not a self managed super fund, is it?\n\nChannel 0: No.\n\nChannel 1: Or it\n\nChannel 0: Because\n\nChannel 1: is?\n\nChannel 0: self\n\nChannel 1: Yeah. Sorry.\n\nChannel 0: no. So self managed, that means that you have full control and responsibility\n\nChannel 1: Yeah.\n\nChannel 0: of everything. So no. We do,\n\nChannel 1: Yeah.\n\nChannel 0: obviously,\n\nChannel 1: Yeah.\n\nChannel 0: all your investments and everything on your behalf, But then all the, you know, the tax and legislation, everything falls on us and your super fund. So you don't have to worry. Like, it doesn't fall on you. No. But we obviously manage all your investments\n\nChannel 1: Yeah.\n\nChannel 0: for\n\nChannel 1: Yeah.\n\nChannel 0: you.\n\nChannel 1: Cool.\n\nChannel 0: Yep.\n\nChannel 1: Alright. No. Because that was another thing that people had someone ring me about it, and then but then I looked into it, and then I it looks like it's a self managed one, you know, and\n\nChannel 0: Yeah.\n\nChannel 1: it's a\n\nChannel 0: Yes.\n\nChannel 1: bit too hard a bit too hard for me.\n\nChannel 0: For for some people, it's great because I think it's one of those things that's going around. And peep and if it we can do it if it's for the right so we can definitely do it if it's for the right For some people, it's great. For others, not. And I would say I've seen more closed down than set up. And it's usually\n\nChannel 1: Yeah.\n\nChannel 0: there's so much fees in regards to it. And the reason that most people do it is if they wanna buy, like, a property and they have, like, family members and stuff going into it or, like, a business and stuff, but it is\n\nChannel 1: Yeah.\n\nChannel 0: quite complex and and costly. So for most people, it's not suitable. But for some\n\nChannel 1: No.\n\nChannel 0: for\n\nChannel 1: It'd be\n\nChannel 0: some,\n\nChannel 1: someone\n\nChannel 0: it\n\nChannel 1: for\n\nChannel 0: is.\n\nChannel 1: someone that works in the finance industry, I'm\n\nChannel 0: Yeah.\n\nChannel 1: more assuming that that was\n\nChannel 0: Yeah.\n\nChannel 1: every day, all day, and can\n\nChannel 0: Yes.\n\nChannel 1: yeah. Yeah.\n\nChannel 0: And you don't want that possibility. Otherwise, the the other forms, it should just\n\nChannel 1: It's\n\nChannel 0: be\n\nChannel 1: all\n\nChannel 0: a\n\nChannel 1: good.\n\nChannel 0: tax file number opt in form. That's just a compliance form as well. Just to say that we are keeping your tax file number secure on file.\n\nChannel 1: Yep.\n\nChannel 0: And I think there's one more. If you can see that where it says authorization to search for lost super. Can you see that?\n\nChannel 1: Mhmm.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Basically, what this is, we do it every now and then because it is is good to do, especially if you change employers sometimes, but it's always good to do every now and then. It basically lets us search with the ATO if\n\nChannel 1: Mhmm.\n\nChannel 0: you have any old super funds out there. If it is, it'll let us find it, and we'll contact you, and we can do research on it. And then, obviously, it's trying to see if we can consolidate it. So it's just a good little check-in to see if because sometimes you'd be surprised on what we find, and sometimes one employer could have put one contribution one way or something like that. So\n\nChannel 1: Yeah.\n\nChannel 0: it's just a little\n\nChannel 1: I've\n\nChannel 0: check-in.\n\nChannel 1: been pretty boring. I haven't really had that many jobs. But yeah.\n\nChannel 0: That's\n\nChannel 1: And\n\nChannel 0: that's\n\nChannel 1: that's kind of\n\nChannel 0: good,\n\nChannel 1: thing\n\nChannel 0: though.\n\nChannel 1: what we did when we did\n\nChannel 0: When\n\nChannel 1: all this\n\nChannel 0: you\n\nChannel 1: as\n\nChannel 0: came on\n\nChannel 1: well.\n\nChannel 0: board? Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Yes. So probably, if, obviously, there was nothing from it, it's not gonna be anything now. But it doesn't hurt. It's just a form we've submitted. DHL will let us know, and then at least we'll triple check for you.\n\nYep. Perfect. So, yeah, basically, from here, if you are happy to sign those documents,\n\nChannel 1: Yeah. I\n\nChannel 0: it\n\nChannel 1: did.\n\nChannel 0: will prompt you, oh, great. Perfect. I'll let the team know. We will put all of this in force\n\nChannel 1: Mhmm.\n\nChannel 0: for you. If there is anything that you need at any point in time, though, just let us know. We can always book your info at catch up. And if it\n\nChannel 1: Yep.\n\nChannel 0: is that you, you know, change employees and you need access to your contribution forms or anything like that again, by all meal by all means, just send me an email or call the team, and we can get that sorted for you.\n\nChannel 1: Yeah. No worries. I think I did it there. What I I can't remember what I did last time. Did you go into the network?\n\nI think it's the network. Well, you log in to network, and then there's, like, a form you download.\n\nChannel 0: Yes. It is. Yes. Sometimes people if it's harder to find, you should even just send send us an email, say, hey. I just need my report, and we can send it, and you just forward it on to your employer.\n\nBut, yes, it's in your network portal as well. It's just sometimes\n\nChannel 1: Yeah.\n\nChannel 0: people find\n\nChannel 1: Well,\n\nChannel 0: it tricky to find.\n\nChannel 1: I I I do get curious all the time. So I\n\nChannel 0: Yep.\n\nChannel 1: do jump on the network wealth\n\nChannel 0: That's good.\n\nChannel 1: site kind\n\nChannel 0: Mhmm.\n\nChannel 1: of every now and then to see how it's going.\n\nChannel 0: Yeah. That's good.\n\nChannel 1: Well, I don't know. There's barely much else you could do. You kind of, like it has kind of if I go through and run a report from when I first put it in to now, I think it has grown.\n\nChannel 0: Yes.\n\nChannel 1: I don't know how to get back to that anyway. Not massively, I don't think. Because, obviously, you still put in I don't know. How much do I put in per year? About $20.25, maybe?\n\nChannel 0: From from your employer, it's about now if your income is $1.04 6, it's about 17,520, but then tax comes out of that as well as 15%. So about 14,892.\n\nChannel 1: Yeah. Which is crazy, isn't it?\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: So, yeah, last twelve months been been positive, especially given the market.\n\nChannel 1: Mhmm.\n\nChannel 0: And, yeah, we have obviously swapped that one out for you. So, hopefully, things settle down the next twelve months, but then at least you you're not in Benelung anymore, which is good.\n\nChannel 1: Yeah. That's\n\nChannel 0: But\n\nChannel 1: alright.\n\nChannel 0: if there's anything that's always you know, if there's any point in time that you log in and you are a bit concerned or anything, just give me a call. We can always book you in for a catch up. It doesn't have to be every twelve months. We can\n\nChannel 1: Yep.\n\nChannel 0: do it, you know, as frequently as if you have any questions or you wanna discuss anything in more detail. You can always always give us a call, and it's all part of their ongoing service. But we can do that as\n\nChannel 1: Yeah.\n\nChannel 0: often as\n\nChannel 1: That's\n\nChannel 0: you would\n\nChannel 1: cool.\n\nChannel 0: like. Yeah.\n\nChannel 1: Yeah. Look. And I've been yeah. As I said, I'll check it every now and then.\n\nChannel 0: Yes.\n\nChannel 1: I'd I'd have kept it in my mind that they had you know, I haven't really thought about buying another another house yet.\n\nChannel 0: Yes. That's okay. We\n\nChannel 1: But\n\nChannel 0: can check-in Nextiva's\n\nChannel 1: but I know it's all there\n\nChannel 0: Yeah.\n\nChannel 1: if I need to. So\n\nChannel 0: Exactly. And if there's anything else you need, like I said, just give me a call or or send us an email. But, otherwise, I will let you go and enjoy the rest of your afternoon.\n\nChannel 1: Alright. Yeah. You too.\n\nChannel 0: And, yeah, enjoy the rest of your week as well, and it was lovely speaking to you.\n\nChannel 1: You too. No. Thank you.\n\nChannel 0: Mhmm. No problem. We'll speak soon.\n\nChannel 1: Alright. Thank you.\n\nChannel 0: Okay.\n\nChannel 1: Alright.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.79999995,"end":1.3,"sentiment":"neutral","sentiment_score":0.054319802671670914}],"sentiment":"neutral","sentiment_score":0.054319802671670914,"channel":1,"num_words":1,"start":0.79999995,"end":1.3},{"sentences":[{"text":"Good morning.","start":1.92,"end":2.3999999,"sentiment":"positive","sentiment_score":0.3604583591222763},{"text":"Is this Nicholas?","start":2.3999999,"end":3.22,"sentiment":"neutral","sentiment_score":0.18069239954153696}],"sentiment":"neutral","sentiment_score":0.2525987833738327,"channel":0,"num_words":5,"start":1.92,"end":3.22},{"sentences":[{"text":"Yes.","start":3.76,"end":4.26,"sentiment":"neutral","sentiment_score":0.16309818625450134}],"sentiment":"neutral","sentiment_score":0.16309818625450134,"channel":1,"num_words":1,"start":3.76,"end":4.26},{"sentences":[{"text":"This is Veronica from Achieve 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Nextiva's","start":2035.45,"end":2036.51,"sentiment":"neutral","sentiment_score":0.07678522417942683}],"sentiment":"neutral","sentiment_score":0.07678522417942683,"channel":0,"num_words":3,"start":2035.45,"end":2036.51},{"sentences":[{"text":"but I know it's all there","start":2036.04,"end":2037.5,"sentiment":"neutral","sentiment_score":0.07425572102268536}],"sentiment":"neutral","sentiment_score":0.07425572102268536,"channel":1,"num_words":6,"start":2036.04,"end":2037.5},{"sentences":[{"text":"Yeah.","start":2037.21,"end":2037.71,"sentiment":"neutral","sentiment_score":0.05986469238996506}],"sentiment":"neutral","sentiment_score":0.05986469238996506,"channel":0,"num_words":1,"start":2037.21,"end":2037.71},{"sentences":[{"text":"if I need to.","start":2037.56,"end":2038.28,"sentiment":"neutral","sentiment_score":0.04688939545303583},{"text":"So","start":2038.28,"end":2038.4401,"sentiment":"neutral","sentiment_score":0.0751287117600441}],"sentiment":"neutral","sentiment_score":0.052537258714437485,"channel":1,"num_words":5,"start":2037.56,"end":2038.4401},{"sentences":[{"text":"Exactly.","start":2038.965,"end":2039.465,"sentiment":"neutral","sentiment_score":0.2263782024383545},{"text":"And if there's anything else you need, like I said, just give me a call or or send us an email.","start":2041.845,"end":2046.825,"sentiment":"neutral","sentiment_score":0.14342810284523738},{"text":"But, otherwise, I will let you go and enjoy the rest of your afternoon.","start":2047.765,"end":2052.185,"sentiment":"positive","sentiment_score":0.50832663582904}],"sentiment":"neutral","sentiment_score":0.28763725732763606,"channel":0,"num_words":36,"start":2038.965,"end":2052.185},{"sentences":[{"text":"Alright.","start":2052.865,"end":2053.185,"sentiment":"positive","sentiment_score":0.42587944865226746},{"text":"Yeah.","start":2053.185,"end":2053.425,"sentiment":"positive","sentiment_score":0.4495856761932373},{"text":"You too.","start":2053.425,"end":2054.085,"sentiment":"positive","sentiment_score":0.5328187644481659}],"sentiment":"positive","sentiment_score":0.48527566343545914,"channel":1,"num_words":4,"start":2052.865,"end":2054.085},{"sentences":[{"text":"And, yeah, enjoy the rest of your week as well, and it was lovely speaking to you.","start":2053.77,"end":2057.31,"sentiment":"positive","sentiment_score":0.7624450992135441}],"sentiment":"positive","sentiment_score":0.7624450992135441,"channel":0,"num_words":17,"start":2053.77,"end":2057.31},{"sentences":[{"text":"You too.","start":2057.585,"end":2058.145,"sentiment":"positive","sentiment_score":0.5049386471509933},{"text":"No.","start":2058.145,"end":2058.305,"sentiment":"neutral","sentiment_score":0.038997434079647064},{"text":"Thank you.","start":2058.305,"end":2059.005,"sentiment":"positive","sentiment_score":0.3945007026195526}],"sentiment":"positive","sentiment_score":0.3675752267241478,"channel":1,"num_words":5,"start":2057.585,"end":2059.005},{"sentences":[{"text":"Mhmm.","start":2058.97,"end":2059.1301,"sentiment":"neutral","sentiment_score":0.0963626503944397},{"text":"No problem.","start":2059.1301,"end":2059.69,"sentiment":"neutral","sentiment_score":0.2582401633262634},{"text":"We'll speak soon.","start":2059.69,"end":2060.6702,"sentiment":"neutral","sentiment_score":0.23489726583162943}],"sentiment":"neutral","sentiment_score":0.21958912909030914,"channel":0,"num_words":6,"start":2058.97,"end":2060.6702},{"sentences":[{"text":"Alright.","start":2061.005,"end":2061.2449,"sentiment":"neutral","sentiment_score":0.2952393889427185},{"text":"Thank you.","start":2061.2449,"end":2061.9849,"sentiment":"positive","sentiment_score":0.5989982783794403}],"sentiment":"positive","sentiment_score":0.4977453152338664,"channel":1,"num_words":3,"start":2061.005,"end":2061.9849},{"sentences":[{"text":"Okay.","start":2061.77,"end":2062.27,"sentiment":"neutral","sentiment_score":0.25965455174446106}],"sentiment":"neutral","sentiment_score":0.25965455174446106,"channel":0,"num_words":1,"start":2061.77,"end":2062.27},{"sentences":[{"text":"Alright.","start":2062.2048,"end":2062.7048,"sentiment":"neutral","sentiment_score":0.2470611035823822}],"sentiment":"neutral","sentiment_score":0.2470611035823822,"channel":1,"num_words":1,"start":2062.2048,"end":2062.7048},{"sentences":[{"text":"Bye.","start":2062.33,"end":2062.83,"sentiment":"neutral","sentiment_score":0.18027953803539276}],"sentiment":"neutral","sentiment_score":0.18027953803539276,"channel":0,"num_words":1,"start":2062.33,"end":2062.83},{"sentences":[{"text":"Bye.","start":2062.845,"end":2063.345,"sentiment":"neutral","sentiment_score":-0.12034045904874802}],"sentiment":"neutral","sentiment_score":-0.12034045904874802,"channel":1,"num_words":1,"start":2062.845,"end":2063.345}]},"summary":{"result":"success","short":"Representatives from Achieve Financial speak with Nicholas about his annual review and personal information. They discuss his employment history, retirement plans, assets, and health insurance, including his new employer and health and lifestyle. The speakers also touch on health issues and retirement goals, and provide information on various insurance policies and fees. They emphasize the importance of being a client and the ongoing service agreement for managing the account. The customer is advised to be cautious with their investment and the agent assures them that they will keep their tax file number secure on file. The service is a self-manufactured retirement plan, and the agent offers to stay in touch for future updates."},"intents":{"segments":[{"text":"I had you booked in to go over your annual review. Is now still a good time for you? Yep.","start_word":21,"end_word":40,"intents":[{"intent":"Check availability","confidence_score":0.100549676},{"intent":"Check availability","confidence_score":0.0052579227}]},{"text":"trying to connect to my headset. Yep.","start_word":47,"end_word":53,"intents":[{"intent":"Connect to headset","confidence_score":0.03992145}]},{"text":"And just for security purposes, just to, make sure I'm speaking with the right person, could you Mhmm. confirm your full name, date of birth, and address for me, please? Yep.","start_word":104,"end_word":134,"intents":[{"intent":"Confirm identity","confidence_score":0.62471694},{"intent":"Confirm identity","confidence_score":0.023999626}]},{"text":"before I kind of jump into that annual review, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any areas you would like me to focus more on or whether it's just a bit of a catch up to see where everything's at? Yeah. Look.","start_word":208,"end_word":267,"intents":[{"intent":"Start review","confidence_score":0.020944811}]},{"text":"And typically speaking, we do see a 90% also invested in your growth assets. So that will be things like Australian shares, international shares, property, and commodities. And Mhmm.","start_word":1693,"end_word":1721,"intents":[{"intent":"Assess portfolio growth","confidence_score":0.0012884382}]},{"text":"that's basically what's going to maximize those returns for you at about 10% in defensive.","start_word":1722,"end_word":1736,"intents":[{"intent":"Maximize returns","confidence_score":0.840193}]},{"text":"Now the the last thing here is I just sent you an email with some documents to run through with you. Do you have access to your emails at the moment? Yeah. Yes. Perfect.","start_word":1893,"end_word":1926,"intents":[{"intent":"Send documents","confidence_score":0.15518023}]},{"text":"Do you have access to your emails at the moment?","start_word":1914,"end_word":1923,"intents":[{"intent":"Access email","confidence_score":0.04213304},{"intent":"Confirm access to documents","confidence_score":0.017997764}]},{"text":"Now it might look a little bit different to what you were used to before because we have changed the software. But, essentially, before you click on the link where it says sign now, you should see a couple of attachments at the bottom of that email. Can you see that? Yeah.","start_word":1936,"end_word":1987,"intents":[{"intent":"Explain software changes","confidence_score":0.00077233266}]},{"text":"But if you can open the the version one for me, the Mhmm.","start_word":2046,"end_word":2058,"intents":[{"intent":"Open version two","confidence_score":0.024237271},{"intent":"Open version two","confidence_score":0.502735},{"intent":"Open version three","confidence_score":0.07013598},{"intent":"Open version one","confidence_score":0.49420837}]},{"text":"But if you can open the the version one for me, the Mhmm. other one is just kind of a smaller version.","start_word":2046,"end_word":2067,"intents":[{"intent":"Read version 1, Open version two","confidence_score":0.0000022866516},{"intent":"Access version three","confidence_score":0.026123183}]},{"text":"But as you kind of scroll through if you scroll down to page 10, you will see a photo of myself, and sometimes it Mhmm. is nice to put a face to the voice. Yeah.","start_word":2131,"end_word":2165,"intents":[{"intent":"Scroll over","confidence_score":0.017527547},{"intent":"See photo","confidence_score":0.010362311}]},{"text":"Now the From next Sweden. yeah. So if you hear a bit of an accent, that's why. No. No. No. No. Not really. No. Some some people are like, oh, yeah. It's definitely there. And some people are like, oh, yeah. No. I couldn't tell. Maybe I would I would have more thought English. Yeah.","start_word":2168,"end_word":2222,"intents":[{"intent":"Confirm understanding","confidence_score":0.024654945}]},{"text":"So next one, is that the super and insurance summary? Is that the next one Next you one. can see? Oops. I just closed it. The next one is the services guide four. Okay. Yeah.","start_word":2248,"end_word":2282,"intents":[{"intent":"Look at section five","confidence_score":5.5749797e-7}]},{"text":"Next one is the Seaford Insurance summary. Yes.","start_word":2315,"end_word":2322,"intents":[{"intent":"Open seaford insurance summary","confidence_score":0.050737992}]},{"text":"So for your life and total permanent disability insurance, you do have 1,187,498.","start_word":2374,"end_word":2386,"intents":[{"intent":"Provide insurance coverage","confidence_score":0.00061335484}]},{"text":"Are you still quite happy with that level of cover, or what are your thoughts on, you know, your life and TKD insurance? Yeah. Yeah.","start_word":2388,"end_word":2412,"intents":[{"intent":"Request insurance coverage","confidence_score":0.00007731582}]},{"text":"on doing that until at least your new your, you know, we know your new income. As long as you're okay Yeah. with you know, you are a little bit over insured at the moment. Not by Look.","start_word":2995,"end_word":3032,"intents":[{"intent":"Educate on benefits","confidence_score":0.0010338225}]},{"text":"Normally, we get a a yearly income before tax from people because exactly like you said, they they'll get told that on the payslip, what it is. Yeah.","start_word":3123,"end_word":3150,"intents":[{"intent":"Understand income and portfolio information","confidence_score":0.000007345993}]},{"text":"So that one basically shows you the performance for each of your each of your investments. So as you can kind of see here that the main drivers of, you know, the growth is international investment, so particularly The US market, parts of Asia as well, but then also your the medic area. So, like, you can see the battery tech and lithium was Yep. up by a 105%, which is pretty crazy. So that was performing exceptionally well. Yeah.","start_word":3484,"end_word":3563,"intents":[{"intent":"Share investments","confidence_score":0.00020466397}]},{"text":"the the performance, and the one that was slightly underperforming that we didn't foresee coming back around, we've swapped out for you. Yep.","start_word":3919,"end_word":3941,"intents":[{"intent":"Swap documents","confidence_score":0.011367984}]},{"text":"Now the other two documents you will see in your email is your Neos plan schedule. I won't get you to open that because that basically just shows you your insurances again, but a little bit more detail for you. But it shows you that everything is paid enough Mhmm. to date.","start_word":3969,"end_word":4020,"intents":[{"intent":"Share plans","confidence_score":0.016155131},{"intent":"Open plan schedule","confidence_score":0.13230686}]},{"text":"Now the other two documents you will see in your email is your Neos plan schedule. I won't get you to open that because that basically just shows you your insurances again, but a little bit more detail for you. But it shows you that everything is paid enough Mhmm. to date. Yeah.","start_word":3969,"end_word":4021,"intents":[{"intent":"Provide information","confidence_score":0.037737124}]},{"text":"And it also breaks down the different asset classes. So it shows you your your growth investments, which is your top four there. So The US shares, Australian shares, international, and property, and then the bottom three, your your. Yep.","start_word":4117,"end_word":4156,"intents":[{"intent":"Break down asset classes","confidence_score":0.0028982745}]},{"text":"Now the other thing is if you're happy to do so, if you click on the link process sign now, it will then ask you to sign I think there's two documents, but let me know what you can see. Yeah.","start_word":4158,"end_word":4198,"intents":[{"intent":"Sign documents","confidence_score":0.7231808}]},{"text":"Some people are really good, but some some that calls maybe not. So, obviously, Oh, yeah. just Look. just be mindful. Yeah.","start_word":4412,"end_word":4433,"intents":[{"intent":"Address customer concerns","confidence_score":0.00011297535}]},{"text":"If you can see that where it says authorization to search for lost super. Can you see that?","start_word":4803,"end_word":4820,"intents":[{"intent":"Request information about the search process","confidence_score":0.000015639687}]},{"text":"And then, obviously, it's trying to see if we can consolidate it. So it's just a good little check-in to see if because sometimes you'd be surprised on what we find, and sometimes one employer could have put one contribution one way or something like that. So Yeah.","start_word":4896,"end_word":4943,"intents":[{"intent":"Consolidate employer contribution","confidence_score":0.019738194}]},{"text":"It's just a form we've submitted. DHL will let us know, and then at least we'll triple check for you.","start_word":5007,"end_word":5026,"intents":[{"intent":"Provide form","confidence_score":0.16758284}]},{"text":"We can always book your info at catch up. And if it Yep. is that you, you know, change employees and you need access to your contribution forms or anything like that again, by all meal by all means, just send me an email or call the team, and we can get that sorted for you. Yeah.","start_word":5085,"end_word":5141,"intents":[{"intent":"Book info","confidence_score":0.13307618}]},{"text":"is that you, you know, change employees and you need access to your contribution forms or anything like that again, by all meal by all means, just send me an email or call the team, and we can get that sorted for you. Yeah.","start_word":5098,"end_word":5141,"intents":[{"intent":"Provide reminder","confidence_score":0.0023953617},{"intent":"Provide access to contribution forms","confidence_score":0.017258326},{"intent":"Provide email","confidence_score":0.074186295}]},{"text":"Sometimes people if it's harder to find, you should even just send send us an email, say, hey. I just need my report, and we can send it, and you just forward it on to your employer.","start_word":5189,"end_word":5225,"intents":[{"intent":"Forward report","confidence_score":0.40827215}]},{"text":"if there's anything that's always you know, if there's any point in time that you log in and you are a bit concerned or anything, just give me a call.","start_word":5448,"end_word":5477,"intents":[{"intent":"Requesting a call","confidence_score":0.001313158}]}]},"sentiments":{"segments":[{"text":"Hello?","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.054319802671670914},{"text":"Good morning.","start_word":1,"end_word":2,"sentiment":"positive","sentiment_score":0.3430574834346771},{"text":"Is this Nicholas? Yes. This is Veronica from Achieve Financial. How are you? Yep.","start_word":3,"end_word":16,"sentiment":"neutral","sentiment_score":0.21616089344024655},{"text":"Yeah. Good. That's good. I had you booked in to go over your annual review. Is now still a good time for you?","start_word":17,"end_word":39,"sentiment":"positive","sentiment_score":0.5196475982666016},{"text":"Yep. What I'm gonna do Yep. Yeah. trying to connect to my headset. Yep. I'll get my computer while Sounds good. While I you do do it. kind of get that set up, as long as you can still hear me, just want to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yeah. Yep. Perfect. And just for security purposes, just to, make sure I'm speaking with the right person, could you Mhmm. confirm your full name, date of birth, and address for me, please? Yep. Nicholas, very best in 62 Anniversary Avenue, Terrigal. Yep. Birthday? Yes, please. Alright. 08/29/1980. Perfect. Did you get that all set up, or are you still kind of getting the headset sorted? Sounds silly. Let me let off. Can you hear me? Yes. Can you hear me okay? Yeah. Perfect. How's your day been so far? Been busy? Oh, Well, yeah. I will try not to keep you for too long. But Yes. before I kind of jump into that annual review, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any areas you would like me to focus more on or whether it's just a bit of a catch up to see where everything's at? Yeah. Look. I don't have, like, really, like, a I suppose Much Not a ID. burning question. No. Nah. That's okay. I'll I'll go through everything with you. And, obviously, if anything comes up, just feel free to ask away. Yep. I'll just Yep. log in to the network. Yeah. Yep. I'm Perfect. in my network. I can also keep up now. Okay. Perfect. So the first thing I will run through with you is just a bit of an updated fact find on our end just to see if there's anything that has changed since we spoke to you last and if there is any, you know, changes we need to do to your advice. So just kind of bear with me as I go through and check off these things. Now Mhmm. when it comes to your personal information, I have you down here as married with two financial dependents. Is that still the case? Yeah. Yeah. It is. Yeah? Hopefully, they move out soon. They're like to be dependent, but it's not gonna really work. How how old is the oldest? 21 and 18. Yep. Especially I still got with I think. Yeah. I I reckon I've got you if I had the new still. the especially with today's living expenses and house prices and rental, it's making it harder for people. Yeah. Yeah. Perfect. Yeah. That's Now it. Yeah. yeah. Yeah. Now next up, can I have Cassandra nominated? That's correct? Yep. Yep. Yep. I don't have a phone number nominated for her, though. Would you be able to provide that to me? Yeah. 0422, Yep. 679 Seven nine. Yep. 855. 855.","start_word":40,"end_word":541,"sentiment":"neutral","sentiment_score":-0.0013350359798665066},{"text":"Perfect. Thank you so much.","start_word":542,"end_word":546,"sentiment":"positive","sentiment_score":0.4711703658103943},{"text":"Now when it comes to your employment, has anything changed, or you're still a electrical project manager? Yeah. Kind of. I'm with a different Yeah? company now. Okay. Who were you working for now? They called me a p and p. How do you spell that? N e a p e a n. Sorry? Yep. Yeah. I'm sorry. Perfect. And still kind of doing the same Oh, sorry. It's just n e p b a n yeah. Okay. and Perfect. then power at the end of it. Oh, great. Power. Yep. Perfect. Still doing kind of the same role just Yeah. for the different company. Yeah. Yep. Yeah. And I'm look. And I'm actually probably gonna change soon as Okay. well.","start_word":547,"end_word":667,"sentiment":"neutral","sentiment_score":-0.0032692725408422062},{"text":"So To it's all good.","start_word":668,"end_word":672,"sentiment":"positive","sentiment_score":0.4846151769161224},{"text":"a a new occupation or new employer again? New employer. New employer. Okay. Yeah.","start_word":673,"end_word":686,"sentiment":"neutral","sentiment_score":0.11273643374443054},{"text":"That really well.","start_word":687,"end_word":689,"sentiment":"positive","sentiment_score":0.400138258934021},{"text":"Yeah. And when did you start this one? It was about the April 6. Oh, okay. Yep. Okay. I think it's been a year. Yeah. Sometimes you know, though. If it's not the right for you and if there's other opportunities out there, then, you know, you gotta do what's best and where you enjoy working. Yeah.","start_word":690,"end_word":746,"sentiment":"neutral","sentiment_score":-0.0284349974244833},{"text":"I think I have to get back to the government. I think it ruined me.","start_word":747,"end_word":761,"sentiment":"negative","sentiment_score":-0.47945356369018555},{"text":"That's what a lot of people say when they do work in the government space. That is, you know, a little benefits and stuff like that. You go from working thirty five hours a week into fifty. Yeah. Pretty big difference. Yeah. And pay wise, what Yep. are you on at the moment? I think it's about 142. Forty two. Alright. Perfect. And your employer currently, they still just pay you that standard 12% contribution interest fee for, like, there's no EBA or anything like that in place? No. I don't think so. I think it's like what's the standard? Is it 11 or 12 percent? Twelve now. Yep. It increased. Yeah. Yeah. I'll go Yep. to speed. Just like the standard. Yeah. Yep. Perfect. Now asset and liability wise, I have here that last time we spoke to your property was valued at about 1.1. Is that still Yeah. the It's case, probably or about is the that same. It's about gonna the same? go nothing. Yep. And mortgage about 494? No. I've got That's some of that good. down, actually. Give me two seconds. I was looking to my bank. Yeah. Sure. 406,000. Oh, perfect. And also, two motor vehicles, side at about 32,000? Yeah. Yeah. Probably. Yeah. Yeah. Probably about the About same that? still. Yeah. Yeah. And and about 60 in the offset account? Now I've got just so I gotta get in get in to him until I'm asking about that. I gotta be at 90 now. About 90.","start_word":762,"end_word":1015,"sentiment":"neutral","sentiment_score":-0.008205351793742556},{"text":"Perfect.","start_word":1016,"end_word":1016,"sentiment":"positive","sentiment_score":0.442944198846817},{"text":"Do you have any other new assets that we haven't gone over otherwise? Like, any motorbikes or Nah. no, any other liabilities, like personal loans, credit cards, ZipPay? No. No. Don't even No. have a credit card.","start_word":1017,"end_word":1053,"sentiment":"neutral","sentiment_score":0.035944629460573196},{"text":"Perfect.","start_word":1054,"end_word":1054,"sentiment":"positive","sentiment_score":0.34061306715011597},{"text":"Now when it comes to health and lifestyle, I have you down here as a nonsmoker. Is that still the case? Yep. Perfect. And any changes to your health otherwise? Any significant health issues or injuries or anything? No. No. Nope. No. I'm Great. playing over over 45 socket issues. So you can't How's co that founder. going? Yeah. I'm getting hey.","start_word":1055,"end_word":1116,"sentiment":"neutral","sentiment_score":0.07748953998088837},{"text":"Yeah. It's all good.","start_word":1117,"end_word":1120,"sentiment":"positive","sentiment_score":0.4688454568386078},{"text":"I'm Yeah. I'm all I mean, yeah, I'm the youngest one now.","start_word":1121,"end_word":1132,"sentiment":"neutral","sentiment_score":0.20663003623485565},{"text":"So that's that's That's good all for good. you.","start_word":1133,"end_word":1141,"sentiment":"positive","sentiment_score":0.4086691737174988},{"text":"Yeah. Well, that's fun. And do you have private health insurance? Yes. Yeah. Perfect. And that's hospitals as well? Yeah. Yeah.","start_word":1142,"end_word":1162,"sentiment":"neutral","sentiment_score":0.1371263712644577},{"text":"Great.","start_word":1163,"end_word":1163,"sentiment":"positive","sentiment_score":0.3386087119579315},{"text":"Perfect. Especially with your high income, you don't wanna obviously be paying their additional medical levy searches if you don't That's hand it why have I it. basically got it. Yeah. The the accountant Yeah. said, oh, yeah. Because I was I actually ended up having last couple years of paid tax, which is crazy. And they said, oh, look. If you get private health insurance, that will help. Yes. Because that reduces that. And then sometimes sometimes you actually end up paying less with the private health insurance depending on your health and age and stuff like that. Whereas sometimes Yeah. it's, like, maybe a little bit more, but then at least you have a private health and you don't have to add a tax. So Yeah. it's definitely I sure worth got it earlier considering because I kind of got into that later when you had to play the something Extra. that was something about that. Yeah. Yeah. I think I've had it for about two years now. Yep. Yeah. So I think I've only got another year or so before that kinda drops off and I Oh, that's get good. it cheaper Yeah. again, I think. Yeah. And, otherwise, when it comes to estate planning, I have here that you have a will in place. Yeah. Yep. Yep.","start_word":1164,"end_word":1384,"sentiment":"neutral","sentiment_score":0.09885741716326632},{"text":"Perfect. And I do have your nomination. So if something were to happen to you that you would like it to go to Cassandra as well.","start_word":1385,"end_word":1410,"sentiment":"positive","sentiment_score":0.3902489244937897},{"text":"Yep. Perfect. K. Otherwise, you don't have anyone who makes any financial decisions for you. Nah. Not perfect. And are you politically exposed at all? Like, involved directly in politics? Oh, no. No. And you don't earn any income overseas or anything like that, do you? No. No. Perfect. I guess when it comes to kind of goals and stuff that you are working to it, last time when we spoke to you during annual review, you said kind of in the the medium terms of the next couple of years, Maybe look at buying another property. Is that kind of on the card still? Yeah. I'd still like to do that because Yeah. of Yeah. all you know, like, the world's a bit gone a bit funny Yeah. lately, so we'll see Yeah. what happens. Yeah. And, otherwise, do you have any other significant financial goals or anything that you guys are working towards? No. Just the mortgage, No. really. Yep. Just focus on paying down the mortgage.","start_word":1411,"end_word":1579,"sentiment":"neutral","sentiment_score":-0.040183793753385544},{"text":"That sounds good.","start_word":1580,"end_word":1582,"sentiment":"positive","sentiment_score":0.3656919002532959},{"text":"Mhmm. Now when it comes through superannuation as well, we currently have you invested in Yep. a high growth portfolio. Do you remember what it means to be a high growth investor at all? When did you win some lose some? Malaysia. Yeah. Kind of. So, essentially, a high growth, it means that, you know, you are looking at getting as much growth as you possibly can out of your student while you do have plenty of time until retirement. Yeah. But you're also kind of, you know, prepared to experience some levels of fluctuation in the short term in order to try to achieve that in the long term. And typically speaking, we do see a 90% also invested in your growth assets. So that will be things like Australian shares, international shares, property, and commodities. And Mhmm. that's basically what's going to maximize those returns for you at about 10% in defensive. So, like, your your cash, your fixed interest, and kind of go complain to that as well. When we are looking at a time frame, so making sure you have enough time in the market for fluctuations, in a high growth portfolio, typically, we want to allow at least eight years to retirement. So from Yep. a time point point of view, you're in a really good portfolio as long as you feel comfortable with, like, the level of risk and fluctuation that you are seeing, or would you like to change anything? Not look not target order. Yep. No. Perfect. And that's what most people say, especially now you do have, you know, plenty of time to try and grow that. And then, you know, as you do get closer and and, you know, into your your fifties and stuff, that some people then gradually start to decrease that a little bit. Yep. Alright. Perfect. Now the the last thing here is I just sent you an email with some documents to run through with you. Do you have access to your emails at the moment? Yeah. Yes. Perfect. Did that email come through okay? Yeah. Yep. Perfect. Now it might look a little bit different to what you were used to before because we have changed the software. But, essentially, before you click on the link where it says sign now, you should see a couple of attachments at the bottom of that email. Can you see that? Yeah. Yep. Perfect. Now to make it easier from your side, what are the first ones you can see, and we can go through them in that way? Okay. You got the services guide version one, Yep. Perfect. then And then services guide four, yep.","start_word":1583,"end_word":2031,"sentiment":"neutral","sentiment_score":0.09626087018668252},{"text":"Perfect.","start_word":2032,"end_word":2032,"sentiment":"positive","sentiment_score":0.373899519443512},{"text":"So they ZipRecru. they're both very Okay. they're Okay. both K. quite similar. But if you can open the the version one for me, the Mhmm. other one is just kind of a smaller version. Now you would have seen this one before, one of those compliance documents, but it gives you all the important information regarding us here for you. We've had a bit Mhmm.","start_word":2033,"end_word":2098,"sentiment":"neutral","sentiment_score":0.14313174287478128},{"text":"of a change through marketing, which is good, and extension to the team a little bit as well.","start_word":2099,"end_word":2116,"sentiment":"positive","sentiment_score":0.406936377286911},{"text":"I'll let you kind of have a read over this in your own time. But as you kind of scroll through if you scroll down to page 10, you will see a photo of myself, and sometimes it Mhmm. is nice to put a face to the voice. Yeah. Yeah.","start_word":2117,"end_word":2166,"sentiment":"neutral","sentiment_score":0.20128381252288816},{"text":"Perfect.","start_word":2167,"end_word":2167,"sentiment":"positive","sentiment_score":0.4490609169006348},{"text":"Now the From next Sweden. yeah. So if you hear a bit of an accent, that's why. No. No. No. No. Not really. No. Some some people are like, oh, yeah. It's definitely there. And some people are like, oh, yeah. No. I couldn't tell. Maybe I would I would have more thought English. Yeah. I've heard that, but then I do one of my colleagues that sit next to me is English, and he would probably disagree to that. So next one, is that the super and insurance summary? Is that the next one Next you one. can see? Oops. I just closed it. The next one is the services guide four. Okay. Yeah. I'll skip that one. I'll let you have a read over that on your own. It's just like a smaller version of the the other one Yep. just for for your information. Next one is the Seaford Insurance summary. Yes. If you can open that one for me. Yep. Now is that opened okay? Yep. Yes. Yeah.","start_word":2168,"end_word":2339,"sentiment":"neutral","sentiment_score":-0.06430236250162125},{"text":"Perfect.","start_word":2340,"end_word":2340,"sentiment":"positive","sentiment_score":0.3421242833137512},{"text":"Now you can see here your net wealth. So you have your super with net wealth. You do have approximately a $194,032 in there. And underneath it, you have your nearest insurances. Mhmm. So for your life and total permanent disability insurance, you do have 1,187,498. Are you still quite happy with that level of cover, or what are your thoughts on, you know, your life and TKD insurance? Yeah. Yeah. It's Yeah. kinda It will pay out, you know, it'll the pay out on everything. the block. Yeah. Leave extra to the family if something were to happen.","start_word":2341,"end_word":2439,"sentiment":"neutral","sentiment_score":0.18063441069439204},{"text":"And if you can't work from TPD, then it'll cover your income for a little while or so, which is good. And it's quite affordable as well for for what you have, I think, because from an insurance point of view, your occupation isn't super risky.","start_word":2440,"end_word":2485,"sentiment":"positive","sentiment_score":0.4544229805469513},{"text":"It's not like an underground mine or something like that, No.","start_word":2486,"end_word":2496,"sentiment":"neutral","sentiment_score":0.07518336176872253},{"text":"so it's a little bit cheaper, which is which is good.","start_word":2497,"end_word":2507,"sentiment":"positive","sentiment_score":0.3956575393676758},{"text":"Now when it comes to your income protection, you do have 9,468 per month. Now how the income protection work as well is that you can have up to 70% of your income coverage. So when we took out the policy, were your income is that when you worked for the government? Was your income a little bit higher than it is now as well? No. Do you remember? No? I Okay. The reason the reason I do ask don't is because if your income is around 142,000, think that on a so. monthly basis, that would give you 8,283. So at the moment, you do have Is that before tax or after? the full. I might get paid more than that. Yeah. Okay. Yes. I get a bit. I did have my payslip up before. It's roughly about 2 so just about 2,071. Okay. Now let Okay. me just So get it might back be here. a little bit closer then, which is good. Because if there is a little bit of a gap of your income and what you are covered for, what would happen is that if you were to go to claim on the policy actually, let me have a look here.","start_word":2508,"end_word":2713,"sentiment":"neutral","sentiment_score":0.07998217642307281},{"text":"Your policy you actually have 70%, which is good. So your policy was taken out before October 2021, which does mean that you have some grandfathered benefit on your policy, which is great.","start_word":2714,"end_word":2746,"sentiment":"positive","sentiment_score":0.41056394577026367},{"text":"Basically, Yep. if you were to take out a new insurance policy today for income protection, the max that you can be covered for is 70%. Because Mhmm. you are on the older plan, which is great because you used to have a little bit more, is that you can actually get 75%. So 75% of your income is 8,875 on a monthly basis. That is Yep. basically if your income is 142, that's where you could get covered. But let's say Yeah. something were to happen to you tomorrow and your income is 142, it will mean that you will only be able to get 8,875 even though you are insured for a little bit more. Mhmm. Basically, the options are we can leave it as is because if your income will continue to kind of go up and with the new employer as well, if you're not a 100% sure what the income would be, it will just basically mean that you're paying a little bit more than at the moment you could claim. If we were to change it, so let's say we wanna reduce it for you, what would happen is that if you do go to a new employer and your income increases and you go, you know what? I wanna change it back up, it will mean that your whole policy will have to be rewritten again, and you will lose those higher benefits. So I am a little bit reluctant Yeah. on doing that until at least your new your, you know, we know your new income. As long as you're okay Yeah. with you know, you are a little bit over insured at the moment. Not by Look. much, I'm though. I'm only gonna earn more money. I'm not ever Great. gonna go to a job. I'm blessed.","start_word":2747,"end_word":3052,"sentiment":"neutral","sentiment_score":-0.018631342579336727},{"text":"Perfect.","start_word":3053,"end_word":3053,"sentiment":"positive","sentiment_score":0.3548765182495117},{"text":"That's good because it only When increases. you do work here yeah. Yeah. Because this payslip, I'm looking at a payslip. It's a Yes. little bit different to what I used for the government because the government used to just tell you how much you got paid each year and then with Yes. the breakdown. Yep. Do you work it out on forty eight weeks of the year? Normally, we get a a yearly income before tax from people because exactly like you said, they they'll get told that on the payslip, what it is. Yeah. If it's Oh, I'm if just it's work yep. I'm just working out how what the yearly salary is. Do you just you're only working out on forty eight weeks, but don't you? What are you working out on fifty two? You 50 paid two for typically it for it. because you do have your annual leave and stuff Yeah. like that as That's it. Let me let me see exactly then. well. Yes. $8.01 8 times 52. $0,146. Yeah. There was Okay. there.","start_word":3054,"end_word":3233,"sentiment":"neutral","sentiment_score":0.02818501045306524},{"text":"Perfect.","start_word":3234,"end_word":3234,"sentiment":"positive","sentiment_score":0.4215209484100342},{"text":"Right? Which which gets us closer.","start_word":3235,"end_word":3240,"sentiment":"neutral","sentiment_score":0.2136106640100479},{"text":"So that's then about 9,125, which is perfect. So it's not much difference, which is great.","start_word":3241,"end_word":3256,"sentiment":"positive","sentiment_score":0.4922707378864288},{"text":"Mhmm. Now with your for all those reinsurance, you have inside super, so you don't pay for anything out of pocket. So the premium for all three is about 2,251. Yep. Now the next report, is that where it says Netwealth super asset performance report? Is that the one you can see next? Yep. Yeah. Perfect. See. Now this one here might look a little bit messy, but it does break down all your investments and how they have performed over the last twelve months. So as you Yeah. probably have heard, the last twelve months have been a little bit more, you know, volatile and fluctuating. There's been a lot happening in the in the world and in the market. We obviously had everything going over in The US with Trump and the tariffs and everything with a little bit of a fluctuation. And more recently, obviously, everything with the war has been a little bit of fluctuation. Yeah. Despite all of that, though, in the last twelve months, after phase, your portfolio Okay.","start_word":3257,"end_word":3431,"sentiment":"neutral","sentiment_score":0.01636427454650402},{"text":"has still gone up by 7.96%, which is actually really good given that Mhmm.","start_word":3432,"end_word":3445,"sentiment":"positive","sentiment_score":0.48519736528396606},{"text":"what's happened in the last twelve months.","start_word":3446,"end_word":3452,"sentiment":"neutral","sentiment_score":0.16718938946723938},{"text":"So quite happy with that.","start_word":3453,"end_word":3457,"sentiment":"positive","sentiment_score":0.6179341077804565},{"text":"Now when you do look at your portfolio, Mhmm. so if you can see the column where it says return, can you see that? Yep. Yep. So that one basically shows you the performance for each of your each of your investments. So as you can kind of see here that the main drivers of, you know, the growth is international investment, so particularly The US market, parts of Asia as well, but then also your the medic area. So, like, you can see the battery tech and lithium was Yep. up by a 105%, which is pretty crazy.","start_word":3458,"end_word":3556,"sentiment":"neutral","sentiment_score":0.16661828756332395},{"text":"So that was performing exceptionally well.","start_word":3557,"end_word":3562,"sentiment":"positive","sentiment_score":0.5277121663093567},{"text":"Yeah.","start_word":3563,"end_word":3563,"sentiment":"neutral","sentiment_score":-0.0724915862083435},{"text":"I think that's gonna kick down.","start_word":3564,"end_word":3569,"sentiment":"negative","sentiment_score":-0.4063440859317779},{"text":"Especially with fuel prices and everything at the moment as well. It's obviously driving the the electric vehicles and stuff like that. Mhmm. So Yep. the areas that kind of we saw not performing as well was the Australian market, and that was your active funds spend along Australian equity. Now I'm not Mhmm. sure if you saw the email. So we sent you an email on the March 13. It wasn't one you had to sign or anything, but it gave you a bit of an update that because we are constantly, obviously, reviewing your portfolio, and if we do a lot of research on an investment and we foresee that it's not going to be the best option for you moving forward, and if it is slightly underperforming, then we wanna change it to something better to make sure we always have you in the best position. So Yep. if you did read the email, you would have seen that we have actually changed that Benelon for you already through Yep. the Better Share Australia two hundred. And in doing Mhmm. so, the the performance are better, but it's also a little bit cheaper because it doesn't have the same active component. So if Yep. you did have any Yeah. questions with that email, that was what that was, essentially. No. No. It's all good. I No? I'm actually on my I logged into Netwealth as well. So, Yeah. yeah, that Perfect. shows up better shares. It kinda went up to the Yep. grand in the last is that monthly? Does that does that kind of The one that I see, I you can pull different reports. Some can show daily. Some can show weekly for it depends on which setting you have. But the ones that we typically show is on a yearly basis. But, obviously, if you haven't Yeah. been invested, you haven't it's been quite recent, obviously. So for that one, it wouldn't be the full twelve months because it's obviously Yeah. just been that time frame.","start_word":3570,"end_word":3911,"sentiment":"neutral","sentiment_score":-0.012935612100171068},{"text":"So overall, we're happy Mhmm.","start_word":3912,"end_word":3916,"sentiment":"positive","sentiment_score":0.5753211379051208},{"text":"with Right. the the performance, and the one that was slightly underperforming that we didn't foresee coming back around, we've swapped out for you. Yep. Do you have any questions in regards to any of that? So that kind of makes sense. No. No. It makes sense. No? Makes sense? Okay.","start_word":3917,"end_word":3967,"sentiment":"neutral","sentiment_score":0.049642860889434814},{"text":"Perfect.","start_word":3968,"end_word":3968,"sentiment":"positive","sentiment_score":0.336294025182724},{"text":"Now the other two documents you will see in your email is your Neos plan schedule. I won't get you to open that because that basically just shows you your insurances again, but a little bit more detail for you. But it shows you that everything is paid enough Mhmm. to date. Yeah. And then I think the they last send that to me as well, they I think. do. Yep. Yep. Yeah. No. They do. Vanguard. When they send us to us, they usually send it to you. So if you open the Vanguard Yeah. one, for example, you probably Yep. have seen this one before. It's just a bit of an updated version that they publish each year, which is great, But it is a really good kind of visual representation of the market and what we are talking about when we're talking about the market. And it also breaks down the different asset classes. So it shows you your your growth investments, which is your top four there. So The US shares, Australian shares, international, and property, and then the bottom three, your your. Yep.","start_word":3969,"end_word":4156,"sentiment":"neutral","sentiment_score":0.1551104635000229},{"text":"Perfect.","start_word":4157,"end_word":4157,"sentiment":"positive","sentiment_score":0.4342195689678192},{"text":"Now the other thing is if you're happy to do so, if you click on the link process sign now, it will then ask you to sign I think there's two documents, but let me know what you can see. Yeah. Yeah. I see that. And you should have one where it says Netwealth advisor fee consent form.","start_word":4158,"end_word":4215,"sentiment":"neutral","sentiment_score":0.2038133054457862},{"text":"That one is basically just that ongoing service agreement to say that you are happy to stay on as a client.","start_word":4216,"end_word":4236,"sentiment":"positive","sentiment_score":0.4730742871761322},{"text":"There is Mhmm. no changes to the fee structure, though. So that stays exactly the same at that 1.65 from Super. No changes in regards to that one. And it is not a locking contract. So if at any point in time, you are not happy with the service, there is no lock in contract. So this essentially just lets us service your account and everything in the meantime. Look. Yeah. Look. I don't know if you I suppose you get it all the time too. Like, I don't know. Every now and then, people renew. Yep. And they go, oh, you could get so much more, and then I got there. This is why I kinda just settled. I think, probably one of those first times either with you guys. I was we did a pretty my insurance was really high, they found. Yeah. Look. I think it's been pretty good, so I Yep. don't think I need to really Yeah.","start_word":4237,"end_word":4398,"sentiment":"neutral","sentiment_score":0.08010929822921753},{"text":"keep tripping and changing.","start_word":4399,"end_word":4402,"sentiment":"negative","sentiment_score":-0.3656218945980072},{"text":"And it's usually faced with that through that sometimes. Some people are really good, but some some that calls maybe not. So, obviously, Oh, yeah. just Look. just be mindful. Yeah. And you get it like and then I I kinda had something. Can you this is not a self managed super fund, is it? No. Or it Because is? self Yeah. Sorry. no. So self managed, that means that you have full control and responsibility Yeah. of everything. So no. We do, Yeah. obviously, Yeah. all your investments and everything on your behalf, But then all the, you know, the tax and legislation, everything falls on us and your super fund. So you don't have to worry. Like, it doesn't fall on you. No. But we obviously manage all your investments Yeah. for Yeah. you.","start_word":4403,"end_word":4538,"sentiment":"neutral","sentiment_score":0.08005166798830032},{"text":"Cool.","start_word":4539,"end_word":4539,"sentiment":"positive","sentiment_score":0.45572665333747864},{"text":"Yep. Alright. No. Because that was another thing that people had someone ring me about it, and then but then I looked into it, and then I it looks like it's a self managed one, you know, and Yeah. it's a Yes.","start_word":4540,"end_word":4581,"sentiment":"neutral","sentiment_score":0.001918098091014794},{"text":"bit too hard a bit too hard for me.","start_word":4582,"end_word":4590,"sentiment":"negative","sentiment_score":-0.3366841971874237},{"text":"For for some people, it's great because I think it's one of those things that's going around. And peep and if it we can do it if it's for the right so we can definitely do it if it's for the right For some people, it's great.","start_word":4591,"end_word":4637,"sentiment":"positive","sentiment_score":0.4025631546974182},{"text":"For others, not. And I would say I've seen more closed down than set up. And it's usually Yeah. there's so much fees in regards to it. And the reason that most people do it is if they wanna buy, like, a property and they have, like, family members and stuff going into it or, like, a business and stuff, but it is Yeah.","start_word":4638,"end_word":4701,"sentiment":"neutral","sentiment_score":-0.09254874289035796},{"text":"quite complex and and costly. So for most people, it's not suitable.","start_word":4702,"end_word":4713,"sentiment":"negative","sentiment_score":-0.41412684321403503},{"text":"But for some No. for It'd be some, someone it for is. someone that works in the finance industry, I'm Yeah. more assuming that that was Yeah. every day, all day, and can Yes. yeah. Yeah. And you don't want that possibility. Otherwise, the the other forms, it should just It's be all a good. tax file number opt in form. That's just a compliance form as well. Just to say that we are keeping your tax file number secure on file. Yep. And I think there's one more. If you can see that where it says authorization to search for lost super. Can you see that? Mhmm. Yep. Yep. Basically, what this is, we do it every now and then because it is is good to do, especially if you change employers sometimes, but it's always good to do every now and then. It basically lets us search with the ATO if Mhmm. you have any old super funds out there. If it is, it'll let us find it, and we'll contact you, and we can do research on it. And then, obviously, it's trying to see if we can consolidate it. So it's just a good little check-in to see if because sometimes you'd be surprised on what we find, and sometimes one employer could have put one contribution one way or something like that. So Yeah. it's just a little I've check-in. been pretty boring. I haven't really had that many jobs. But yeah. That's And that's that's kind of good, thing though. what we did when we did When all this you as came on well. board? Yes. Yeah. Yes. So probably, if, obviously, there was nothing from it, it's not gonna be anything now. But it doesn't hurt. It's just a form we've submitted. DHL will let us know, and then at least we'll triple check for you. Yep.","start_word":4714,"end_word":5027,"sentiment":"neutral","sentiment_score":0.08157952224752706},{"text":"Perfect.","start_word":5028,"end_word":5028,"sentiment":"positive","sentiment_score":0.3799046277999878},{"text":"So, yeah, basically, from here, if you are happy to sign those documents, Yeah.","start_word":5029,"end_word":5042,"sentiment":"neutral","sentiment_score":0.24750514328479767},{"text":"I it did. will prompt you, oh, great. Perfect. I'll let the team know.","start_word":5043,"end_word":5056,"sentiment":"positive","sentiment_score":0.5182035565376282},{"text":"We will put all of this in force Mhmm. for you. If there is anything that you need at any point in time, though, just let us know. We can always book your info at catch up. And if it Yep. is that you, you know, change employees and you need access to your contribution forms or anything like that again, by all meal by all means, just send me an email or call the team, and we can get that sorted for you. Yeah. No worries. I think I did it there. What I I can't remember what I did last time. Did you go into the network? I think it's the network. Well, you log in to network, and then there's, like, a form you download. Yes. It is. Yes. Sometimes people if it's harder to find, you should even just send send us an email, say, hey. I just need my report, and we can send it, and you just forward it on to your employer. But, yes, it's in your network portal as well. It's just sometimes Yeah. people find Well, it tricky to find. I I I do get curious all the time. So Yep. I do jump on the network wealth That's good. site kind Mhmm. of every now and then to see how it's going.","start_word":5057,"end_word":5278,"sentiment":"neutral","sentiment_score":0.10121758248623428},{"text":"Yeah. That's good.","start_word":5279,"end_word":5281,"sentiment":"positive","sentiment_score":0.5590832233428955},{"text":"Well, I don't know. There's barely much else you could do. You kind of, like it has kind of if I go through and run a report from when I first put it in to now, I think it has grown. Yes. I don't know how to get back to that anyway. Not massively, I don't think. Because, obviously, you still put in I don't know. How much do I put in per year? About $20.25, maybe? From from your employer, it's about now if your income is $1.04 6, it's about 17,520, but then tax comes out of that as well as 15%. So about 14,892. Yeah. Which is crazy, isn't it? Yeah. Yeah. Yeah. So, yeah, last twelve months been been positive, especially given the market. Mhmm. And, yeah, we have obviously swapped that one out for you. So, hopefully, things settle down the next twelve months, but then at least you you're not in Benelung anymore, which is good. Yeah. That's But alright. if there's anything that's always you know, if there's any point in time that you log in and you are a bit concerned or anything, just give me a call. We can always book you in for a catch up. It doesn't have to be every twelve months. We can Yep. do it, you know, as frequently as if you have any questions or you wanna discuss anything in more detail. You can always always give us a call, and it's all part of their ongoing service. But we can do that as Yeah. often as That's you would cool. like. Yeah. Yeah. Look. And I've been yeah. As I said, I'll check it every now and then. Yes. I'd I'd have kept it in my mind that they had you know, I haven't really thought about buying another another house yet. Yes. That's okay. We But can check-in Nextiva's but I know it's all there Yeah. if I need to. So Exactly. And if there's anything else you need, like I said, just give me a call or or send us an email.","start_word":5282,"end_word":5631,"sentiment":"neutral","sentiment_score":0.07310529936637197},{"text":"But, otherwise, I will let you go and enjoy the rest of your afternoon. Alright. Yeah. You too. And, yeah, enjoy the rest of your week as well, and it was lovely speaking to you. You too.","start_word":5632,"end_word":5668,"sentiment":"positive","sentiment_score":0.5864998698234558},{"text":"No.","start_word":5669,"end_word":5669,"sentiment":"neutral","sentiment_score":0.038997434079647064},{"text":"Thank you.","start_word":5670,"end_word":5671,"sentiment":"positive","sentiment_score":0.376914918422699},{"text":"Mhmm. No problem. We'll speak soon. Alright.","start_word":5672,"end_word":5678,"sentiment":"neutral","sentiment_score":0.2143746018409729},{"text":"Thank you.","start_word":5679,"end_word":5680,"sentiment":"positive","sentiment_score":0.5845963358879089},{"text":"Okay. Alright. Bye. Bye.","start_word":5681,"end_word":5684,"sentiment":"neutral","sentiment_score":0.20581144094467163}],"average":{"sentiment":"neutral","sentiment_score":0.07484712626023594}}}}