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Well, the reason why I called today is, of course, to go through your annual review, have a conversation with you with regards to where things fit now and where we could possibly move in the future with respect to your advice, your personal position, and ultimately everything that's happening, whether there might be maybe some new advice strategies we could implement as well. But before I keep talking your ear off and asking a million questions, I guess the best question I can ask is where does everything sit for you now, and and is there any major changes that have happened or things that you do wanna investigate? Okay. Yep. Yep. Okay. Cool. So, I guess if we do go self employed, what does that kind of look like for you? Yep. Yep. Because real like, Workwise, I have you working at, like, ProCycles. Could I guess, can you like because, like, it's it's management management of an order like, a a a a auto shop. How yeah. Yep. Okay. Alright. Because, like so at the moment, a lot of your work can be remote, by the sounds of it. Yep. Yep. Wow. Yep. Okay. Busy boy. Understood. Cool. Alright. And we're still wanting to sort of keep to that 130,000 that go self employed. Have you, I I guess, thought of or looked at, like, a structure that you would have for the business or, I guess, like, where the work would come in from? Like, you've you've been in the industry for for a really long time. You've you're thirty years in industry, so you've you've got the contact. Mhmm. Yep. Yeah. Mhmm. Mhmm. Yeah. Okay. Yeah. How how it's actually flowing from there. No. That's amazing. Okay. Well, let me run through, and I just have a quick look to make sure that everything that I have on file is still appropriate for where you're at now. So I've got that you're single of I have, like, contact number as I called you on this morning. S dot norman seventy three hot mail dot com is an email address. One dependent daughter, next is can I have Angela Curry still listed? Is that where you want that to fit that's happy? Cool. Amazing. We obviously just talked about work. $130,000 is what I have as income gross per annum. And then I have about $1,500 that in what you have an expend expenditure per week and about a $100 per week in savings. Does that still sound appropriate? Yep. Yeah. Because, like, realistically, on a $130,000 a year, that would make your weekly income about 2,500, after tax about $18.80. So, you know, if you're saving a $100 a week, 1,500 in expenses, that means that we're sort of sitting around $200 a week that we have in, like, discretionary spending by the sounds of things. So nothing exuberant, but, you know, still pretty comfortable. So the numbers add up realistically as, I guess, the long and the short of it. Now in terms of assets, liabilities, I've got, like, the car, like, the the car that's leased, $60,000 worth of an asset. Debt was a 100 and sorry. Was $23. Do you know where that sort of sits now? Do you know? Yep. Okay. Yep. Is your plan to, like, release, rollover? We yep. Okay. Alright. Absolutely. Cool. And then we've got the motorcycles, about $70 worth 40 debt. Okay. How many bikes do we have in total? That's awesome. It sounds like when you're sort of running through them all. Yeah. Cool. Three in total. Amazing. Look. At this point, you have more bikes than you do hands or capacity to ride them at one point, but I can't make choices. It's diversity. Yeah. Yep. By the sounds of it, it's like it's like tools. We sometimes we need four or five different spanners. They all do the same thing, but they all do different things, which actually brings me onto the tools anyway. I have about $70,000 in value for tools unless we've gone and exuberantly increased that. Yep. Yep. Okay. No. That's okay. Cool. And we own them all outright. We don't have, like, a step on debt or anything like that. Every every tradie. Yeah. Yep. Uh-huh. Yeah. Yeah. No. That's okay. I think it's it's like, Snap on have done it really well by coming to you. They they they they cornered the market really early, and they did really, really well by by doing what they've done. But, yeah, sometimes you kinda just get caught unawares, and you're like, you sit there and think about how you you could really use this tool, and then somehow, the SnapOn guy just rocks up. Yeah. Yeah. You do. No. Yeah. There was a couple. Yeah. Yep. Yeah. It's like this it's like from twenty years ago, the smoker lady that used to come around, and she would sell smokes and pies and bakery items. And, yeah, 100 percent, you could you could go in debt with her and pay her off eventually. And at the end of the month, she'd she'd come knocking to collect. They they were always women at that point, but they would always come back. Brilliant system, and it worked well. Yeah. Absolutely. Absolutely. Which on the topic of credit, credit cards. I have a $6,500 credit card. Is that the limit of what's owed? Or do you know what the limit versus owing is? Fantastic. So we've got we owe nothing. Do we live on the credit card? Like, do like Yep. Yep. Pay enough. Yep. Yes. Yes. Cool. Are there any other assets or debts that I need to know about before we jump in? Okay. Have we thought about, like because realistically, we've got sort of about $83 worth of debt sitting across all of well, I should probably lower that because we've already got about $15 sitting on the the leased car, so that that that rollover payment, we've got, like, $75 worth of debt sitting across all of the vehicle tools, everything else. Have we thought about doing another consolidation loan to look at easing some of the pressure? You know the so there's there's brokers that do this for you, and then the banks pay them a commission for doing all the work and getting the client to the bank. So I can set you up with my broker that can look at this. And, realistically, what it is from your perspective is my bro like, my broker can give you a call, and what they would do is they would request statements to all of these accounts. Correct me if I'm wrong. Snap on just give you a line of credit. There's no interest incurred for yeah. Cool. Let's double check. And and so, like, it wouldn't make sense to consolidate that debt because you'd be incurring an interest rate on that debt, which doesn't currently have an interest rate. So it would be sort of, like, the loans that have interest that is being incurred. So it's the the the car lease, the motor the motor vehicles, like, the motorcycles, and the personal loan. Consolidating them down and seeing if you can sort of reduce the the the the interest rate, make it a little bit more easily easy to manage payment wise and everything else, and try and chip off it off a little bit more. But they they would just they would just require statements to all of the accounts where they currently fit, and then they do the research on which providers would give you loans, what interest rate would be, how we would pay that off, all those kinds of things based on payslips and income. So I can set that up, email them, cc you in, and they can reach out to you. However, I know that you're a different you you have busy schedule, and today is a day you have off. Is that correct? Cool. Fair. Fair. Absolutely. So, theoretically speaking, like, they you know, my broker could organize a time where you are driving to have these kinds of conversations, and that's just a matter of you need to do the paperwork by sending them through statements, which is something you can do at 08:00 at night. That's fine. And go from there. But but that that's something I can do so that way it alleviates the pressure from you having to sit down and I know. The research component's a pain. Cool. Yeah. Cool. Alright. Well, I'll I'll get I'll get my broker, Brooke. It it'll more than likely be her offside, but I'll get Brooke and her team to reach out to you and and go through, have a chat about where everything sits and and just see if they can help you out with that on that side. Because worst case scenario, you get told, hey. What you're currently doing is the best that you have available to you, and it gives reassurance that you're on track that side. Cool. Sometimes it can be, but maybe cool. No. Amazing. Now with respect to, I guess, where everything sits at the moment, we obviously have implemented in the past your your your super fund. We have 24, and then you have a insurance policy with Encompass. So with the insurance policy, you have, like, a life, a total family disability, and income protection policy. And the income protection covers you for $7,810 per month. Now I was kind of mentally doing the math before, but then I stopped because we were talking and I just didn't go back to it. The amount that you're covered for is a little bit over what you're what you're currently earning. So the policy can only pay you the up to, like, 70% of your income. The policy, like, is a little bit higher than than what your income would normally allow. So we can do a couple of things. One can be to just decrease that policy a little bit just to be in line with where your income sits. Alternatively, we can leave it where it is based on you and your income potentially increasing in the future and just request that the policy not CPI increase again for, like, this next year. So that way, we don't drop the benefit if you are expecting an increase in your income. However, little bit more cautious on doing it that way purely and simply because you did say that you're looking to possibly go self employed. And if you generally go self employed, nine times out of 10, you're probably gonna have a slight decrease to your income, not an increase. At least for the couple of years when you establish yourself and get everything moving. Yeah. So I on the IP side of things, I do wanna have a little bit of a look and just see if I can taper it back a little bit. It'll just drop the premium. It it it makes no sense to pay for something you can't collect. Right? Bring that back. On the life and TPD side, you have $258,000 life TPD. So, basically, what I see that being is that in the event that something happened to you and you were like, you you passed away, you have what is essentially $653,000 between your super fund and your life insurance policy that is payable to your estate, that's payable to your your next of kin, the choice of your your beneficiary. Now first things first, your Encompass policy does not have a beneficiary listed, so we need to administratively get that in place. I I didn't have a a a deep dive into into why it's not in place. I just know that it's not. So whether it bounced because it was not accepted at the time, I'm not a thousand percent sure, but definitely something that we should be looking into to get in place. But on your on your HUB twenty four funds, same issue. Beneficiary not not listed. I will have a bit more of a look into things. I meant to it Friday, but my Friday kinda ran away from me, and it's Monday. So Monday mornings are always fun. So I haven't had a chance to really deep dive and and have a look as to why they bounced, but but, yeah, that they they're they're not in place. So I wanna get them listed. But, realistically speaking, what I can do is I can pre fill the the forms out, send them to you. Do you have someone that you specifically want to nominate or okay. So there's a couple of different points with that. How old is your daughter currently? Like, what what year was she born? Okay. So 2010 born, so 16. So couple years away from what is considered an adult, which 18. No one's an adult. But your ex wife under this regulation, so it's like, the CIS Act is, like, the superannuation industry act that governs superannuation funds. An ex wife may actually not be like, it's generally not considered a CIS dependent. Your daughter will always be considered a CIS dependent because she is your daughter. The way around that is if I guess, there's there's two ways around it. One is that you can actually nominate your daughter to receive all of the benefits, and what that means is that while she is a child, the money will be hers, but, essentially, her guardian, which is your ex wife, Angela, would be the person to kind of, a, fill out all the documents and paperwork on your daughter's behalf, but, b, would would also be able to be sort of, like, a trustee for the money, like, you know, informally and sort of hold the money for your daughter. Essentially, yes, Angela still gets the money in that way, but it means that in two years' time or, you know, in '28 2028 when your daughter turns 18, you don't need to update the beneficiary nominations because she is an adult. And at that time, she's actually able to claim the money herself and be paid the money directly and go that way. The other avenue around it is instead of making a a direct nomination with the fund for, you know, a specific person, is you can actually nominate what's called your legal personal representative, which means that you're nominating your estate. And that is basically stipulating to the fund, hey. I have a will in place, and I want you to honor what my will says. And what the super fund will do is they will pay the money into a bank account that is in your estate's name, so it'll be the estate of Scott Norman. And it's basically up to the the estate and the will to distribute those funds from there. Either either way works. It means that, I guess, essentially, if you want to go down the route of going and doing a will, you could be more specific with how you want Angela to utilize the funds in the event that you passed away before your daughter turned 18. Or if you did a direct nomination, again, you can nominate your daughter, but Angela essentially receives the funds and is able to use them to help support your daughter. It's just dependent on what your outcome is with why you want Angela to get the money. And I and I understand, I guess, from a parental point of view that it's because if you're not there, your daughter still needs to be looked after. Yeah. So either either option would work, but I'm happy to I can pre fill documents to support either option. Or if I've overload you with information you need time to consider it, I can send them to you blank. I can send you an email that has a bit of information on which, basically, I can write down what I've just verbally explained. So that way, you can kind of read it. Ma'am. Yeah. Like, the the tax implications, I guess, for anyone receiving money is interest earned on an asset. So, like, a cash asset, which is essentially what it would be when it's distributed to her because it get paid it would all get liquidated and paid in cash, is that the is is that the interest earned on that on that money. Now, realistically, if she put, you know, what is essentially $650,000 into a high interest savings account of, like, 5%, she's looking at $32,500 a year in interest earned. That's if she put into, like, say, a term deposit, which that the $32 is a taxable income, which means she would have to pay tax on what is what is $32 worth of income, which is a couple of grand worth of tax. It's not gonna be it it's not exuberant. With what she does from with it from there, like, theoretically, if she goes and buys a house with that money, then, no, not taxable income. If that's an investment property, then, yes, taxable income and things from there. But the same thing would happen the same thing happens to Angela. So if Angela got distributed the money, it went to cash, she would have the same issue. But there are ways around it. And essentially speaking, if something happened to you, the hope is is that Angela, you know, your daughter would come and see us, have a chat to us, and we could look at, say, instead of a lump sum benefit being paid out, maybe an income stream where because your daughter like, we could sort of pay it that way to sort of help support things on that side. But that all happens at claim time, and you're not here anymore. So you're like, I don't care. So it's just, I guess, a matter on that side of things as to, you know, us talking to them at that point. But but, yeah, what I'll do is definitely, first and foremost, documents, beneficiaries, we need to get them in place. That's okay. How do I spell Alice's name? Is it just a l I c e? Y e? Yep. Norman. Amazing. So date of birth? 2010, the month and date? 11/2010. Amazing. And address that she lives at? Frank. Finn. That's okay. I can look it up. I always double check my spelling on streets and such anyway, so I'll look it up. Internet's a great thing. Amazing. And she's she's obviously a female and your daughter. Amazing. Alright. Well, I will prefill the documents, and there's one or two options. I can post them to you where I can email them to you. Email means you need to print, sign, scan, and send back. Post, obviously, scan and repost sign and repost. Which would you prefer? Cool. So I'll email them to you and you can print, sign, scan? Amazing. Cool. I'll get I'll get my team to get them out to you today. So insurance side, I'm gonna have a look at the IP, look at lowering it a little bit, see whether there's it's gonna create much of a difference in terms of premiums. On the superannuation side, first and foremost, I actually want to be straight up honest with you. And I did mean to do this at the beginning of the call, but we kinda got chatting about vehicles and cars and everything, so we didn't. When I was reviewing your file in preparation for the call, I did note that advice from last year was not executed in terms of the investment swap. So last year, we recommended that we made an investment change over to a a few different assets. I went and executed it last week. After the advice has been executed, because it's obviously been nearly twelve it has been twelve months, I will be sitting down personally. So I'm the head of advice. So I will sit personally sit down and audit to see whether there's been any financial detriment to your file in terms of had the advice been implemented, whether you're out of pocket for investment that you should have otherwise earned. If you have, we will obviously remediate that. But irrespective of any outcome, you will see receive a letter in writing from myself stipulating the review, the outcome, and whether there's been detriment or money at because we did not make the change. Okay? Cool. Otherwise, the investments that were recommended, I actually have no major issues with them. I will go through and still have another look to see whether there is any changes we could possibly make. There's always changes in the market that do happen. There are always, you know, like, economic changes that could influence the investment options that you hold. But, essentially speaking, the the remediation review and the review of your investment options are two separate entities in and of themselves, and I will handle I'll handle both of them. So if I do wanna make any changes to your fund moving forward, that'll be a statement of advice. I would advise you of some of those investment changes that I wanna do while still considering and looking at the remediation side of things anyway. Okay? No. That's okay. I had meant to kind of literally start the call and and go into it, but we're not talking about Snap on and and motor vehicles and everything else. Perfect. So I guess so kind of, I guess, tie things in and and for me to kind of look at the super funds and where things are sitting. I do wanna look at where your goal is set and what you're aiming to do. Even though I know I I've got a really pretty good feel for where you're at now based on our call. I guess, what kind of goals do you set for yourself? Do you do you think you can remember the goals that you set twelve months ago and where they fit? Yeah. Amazing. So I guess on that so there there are a couple of things, I guess, we could look at doing. Yes. The income to live off for retirement, that is obviously where the super fund definitely kicks in. The option to help your daughter, she's 16 now. There's a few different things we could sort of look at, and I guess some of it does really depend on where that, I guess, savings per week sits and or possibly getting getting a bit of those assets sorry, the debts paid down to to have you, like so you have more disposable income. And we could look at sort of doing, like, a bit of an investment account that's for her where we could sort of look at maybe, like, a ten year time frame or a five year or two year or whatever the case may be. We could do sort of a investment account that is it depends on how you wanna structure it. There's there's what's called, like, a child bond on one side where you put money in. It has a ten year release time frame. And when that money is released, it is tax paid. So there's no capital gains for her to pay. There's no, like, earnings in there's there's no tax on that side because it it'll gets taken care of inside the bond. So when the bond comes up for maturity in ten years, it's it's it's withdraw and go. That's obviously a 26 year old, which realistically, 26 mentally, pretty stable, probably has a bit of an idea as to where she would wanna go. So the money sitting there, you know, could go towards a house deposit, further education, whatever the case may be. But it depends on what you want the money to be there for. All the other side of things is you could do, like, an investment account under your name. And the investment account could be specifically set up for her for later. The painful thing about that is that you are the owner of that investment account. If you sell that on any investments, when you do liquidate the assets, there is a capital gains liability. You get personally implicated for the tax side of things, but you could utilize, like, that sort of investment account to specifically set her up for her future, which is very much in line with what you're wanting to do to help her out. So it's, like, sort of a couple options on that. It's kind of like, I guess, a a a step up from, you know, the old Commonwealth Bank DollarMite savings account. Yeah. Yeah. So it's, like, kind of a step up from that, where we can kind of invest it a little bit and stuff like that. But, again, it just kind of depends on where the root of I wanna I want options to help support my daughter really comes from. Is it is it that I wanna make sure that she's set up and she's gonna be stable for the future, or is it that I wanna make sure that if if her mom loses her job or or, you know, if she does wanna go to uni that I have money available that I can support her in uni so she's not going to have to live off ramen, which, mind you, ramen lifestyle in uni wasn't that bad. Woman after my own heart. So I can I can sort of look into options along those sides? Generally speaking, we'd need money to be able to put into it to begin with, though. So you don't start off with zero and just start with a $100 here here, like, ongoing. You would start with, you know, sort of $510 that you would start as an initial and then add to it if you wanted to. But that those kinds of things are an option, but I think possibly maybe a little bit of a future consideration based on us trying to maybe clear off some of these debts. Okay. So I think avenues that I'm looking at is obviously the insurance. I'll look at the super fund on a separate side. I'll look at the remediation for the super fund and get you the referral to my broker, see if we could clean up the the the debts owed and get them paid down a little bit faster or get them, you know, just get them ticking along, get you with some extra residual income, and go from there. And what I'll do is I can work with the I can work with the broker where sort of she they can sort of give the information back to me on, hey. This is where the cash flow sits now. This is where the cash flow is gonna sit. And I can kind of tie that into my advice that, you know, if we're gonna save a little bit of money, whether maybe we put it back into paying the debts off or whether we can maybe use that to actually set up these these accounts for you. Hi. Cool. Alright. Well, I'll get that one sent off and going on that side. But I guess in terms of tying off the annual review and going through things, I know you've been a client for a few years now. So what what I have is I have a a a pack of documents, and I know you're on the road driving. So you're obviously not gonna be opening and doing things on that side. But what I wanna do is I'm gonna send that out to you for you to sort of look over, and you're able to come back to me with any questions. I will obviously be reaching out to you in the next couple of weeks anyway to have a chat about the few things that we talked about today. But the the pack includes, like, the the financial services guide, which sort of details who we are. You've seen a few of them before. It has, you know, our processes and and and fee structures, everything like that included. You've got a overview of your super fund, an overview of your insurance policy, and you've got the ongoing service agreement. So that is a document that you would sign that authorizes Oaktree Financial to continue servicing you as a client. That's all included within that pack as well. So once I get off the phone, I will send that through to you. And then, obviously, when you pull up, stop, and and can sit down, you can go through it properly. No. Not a problem at all. Did you have any questions at all for me while we were on the phone? Perfect. Well, I'll get through to it. You'll have a few emails coming from me today. So, obviously, broker, beneficiary forms, and that that that pack to sign and look at. And, of course, if you have any questions, you'll have my direct contact. You can come straight back and ask anything you might have. Not wrong at all, Scott. You have a good one. Drive safe, Sydney. 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Scott. Larissa here. How are you going? No. You're so okay.\n\nI called you again, and I left a voice mail, but I think you might have already been on the phone to Sam anyway. Perfect. Well, the reason why I called today is, of course, to go through your annual review, have a conversation with you with regards to where things fit now and where we could possibly move in the future with respect to your advice, your personal position, and ultimately everything that's happening, whether there might be maybe some new advice strategies we could implement as well. But before I keep talking your ear off and asking a million questions, I guess the best question I can ask is where does everything sit for you now, and and is there any major changes that have happened or things that you do wanna investigate? Okay.\n\nYep. Yep. Okay. Cool. So, I guess if we do go self employed, what does that kind of look like for you?\n\nYep. Yep. Because real like, Workwise, I have you working at, like, ProCycles. Could I guess, can you like because, like, it's it's management management of an order like, a a a a auto shop. How yeah.\n\nYep. Okay. Alright. Because, like so at the moment, a lot of your work can be remote, by the sounds of it. Yep.\n\nYep. Wow. Yep. Okay. Busy boy.\n\nUnderstood. Cool. Alright. And we're still wanting to sort of keep to that 130,000 that go self employed. Have you, I I guess, thought of or looked at, like, a structure that you would have for the business or, I guess, like, where the work would come in from?\n\nLike, you've you've been in the industry for for a really long time. You've you're thirty years in industry, so you've you've got the contact. Mhmm. Yep. Yeah.\n\nMhmm. Mhmm. Yeah. Okay. Yeah.\n\nHow how it's actually flowing from there. No. That's amazing. Okay. Well, let me run through, and I just have a quick look to make sure that everything that I have on file is still appropriate for where you're at now.\n\nSo I've got that you're single of I have, like, contact number as I called you on this morning. S dot norman seventy three hot mail dot com is an email address. One dependent daughter, next is can I have Angela Curry still listed? Is that where you want that to fit that's happy? Cool.\n\nAmazing. We obviously just talked about work. $130,000 is what I have as income gross per annum. And then I have about $1,500 that in what you have an expend expenditure per week and about a $100 per week in savings. Does that still sound appropriate?\n\nYep. Yeah. Because, like, realistically, on a $130,000 a year, that would make your weekly income about 2,500, after tax about $18.80. So, you know, if you're saving a $100 a week, 1,500 in expenses, that means that we're sort of sitting around $200 a week that we have in, like, discretionary spending by the sounds of things. So nothing exuberant, but, you know, still pretty comfortable.\n\nSo the numbers add up realistically as, I guess, the long and the short of it. Now in terms of assets, liabilities, I've got, like, the car, like, the the car that's leased, $60,000 worth of an asset. Debt was a 100 and sorry. Was $23. Do you know where that sort of sits now?\n\nDo you know? Yep. Okay. Yep. Is your plan to, like, release, rollover?\n\nWe yep. Okay. Alright. Absolutely. Cool.\n\nAnd then we've got the motorcycles, about $70 worth 40 debt. Okay. How many bikes do we have in total? That's awesome. It sounds like when you're sort of running through them all.\n\nYeah. Cool. Three in total. Amazing. Look.\n\nAt this point, you have more bikes than you do hands or capacity to ride them at one point, but I can't make choices. It's diversity. Yeah. Yep. By the sounds of it, it's like it's like tools.\n\nWe sometimes we need four or five different spanners. They all do the same thing, but they all do different things, which actually brings me onto the tools anyway. I have about $70,000 in value for tools unless we've gone and exuberantly increased that. Yep. Yep.\n\nOkay. No. That's okay. Cool. And we own them all outright.\n\nWe don't have, like, a step on debt or anything like that. Every every tradie. Yeah. Yep. Uh-huh.\n\nYeah. Yeah. No. That's okay. I think it's it's like, Snap on have done it really well by coming to you.\n\nThey they they they cornered the market really early, and they did really, really well by by doing what they've done. But, yeah, sometimes you kinda just get caught unawares, and you're like, you sit there and think about how you you could really use this tool, and then somehow, the SnapOn guy just rocks up. Yeah. Yeah. You do.\n\nNo. Yeah. There was a couple. Yeah. Yep.\n\nYeah. It's like this it's like from twenty years ago, the smoker lady that used to come around, and she would sell smokes and pies and bakery items. And, yeah, 100 percent, you could you could go in debt with her and pay her off eventually. And at the end of the month, she'd she'd come knocking to collect. They they were always women at that point, but they would always come back.\n\nBrilliant system, and it worked well. Yeah. Absolutely. Absolutely. Which on the topic of credit, credit cards.\n\nI have a $6,500 credit card. Is that the limit of what's owed? Or do you know what the limit versus owing is? Fantastic. So we've got we owe nothing.\n\nDo we live on the credit card? Like, do like Yep. Yep. Pay enough. Yep.\n\nYes. Yes. Cool. Are there any other assets or debts that I need to know about before we jump in? Okay.\n\nHave we thought about, like because realistically, we've got sort of about $83 worth of debt sitting across all of well, I should probably lower that because we've already got about $15 sitting on the the leased car, so that that that rollover payment, we've got, like, $75 worth of debt sitting across all of the vehicle tools, everything else. Have we thought about doing another consolidation loan to look at easing some of the pressure? You know the so there's there's brokers that do this for you, and then the banks pay them a commission for doing all the work and getting the client to the bank. So I can set you up with my broker that can look at this. And, realistically, what it is from your perspective is my bro like, my broker can give you a call, and what they would do is they would request statements to all of these accounts.\n\nCorrect me if I'm wrong. Snap on just give you a line of credit. There's no interest incurred for yeah. Cool. Let's double check.\n\nAnd and so, like, it wouldn't make sense to consolidate that debt because you'd be incurring an interest rate on that debt, which doesn't currently have an interest rate. So it would be sort of, like, the loans that have interest that is being incurred. So it's the the the car lease, the motor the motor vehicles, like, the motorcycles, and the personal loan. Consolidating them down and seeing if you can sort of reduce the the the the interest rate, make it a little bit more easily easy to manage payment wise and everything else, and try and chip off it off a little bit more. But they they would just they would just require statements to all of the accounts where they currently fit, and then they do the research on which providers would give you loans, what interest rate would be, how we would pay that off, all those kinds of things based on payslips and income.\n\nSo I can set that up, email them, cc you in, and they can reach out to you. However, I know that you're a different you you have busy schedule, and today is a day you have off. Is that correct? Cool. Fair.\n\nFair. Absolutely. So, theoretically speaking, like, they you know, my broker could organize a time where you are driving to have these kinds of conversations, and that's just a matter of you need to do the paperwork by sending them through statements, which is something you can do at 08:00 at night. That's fine. And go from there.\n\nBut but that that's something I can do so that way it alleviates the pressure from you having to sit down and I know. The research component's a pain. Cool. Yeah. Cool.\n\nAlright. Well, I'll I'll get I'll get my broker, Brooke. It it'll more than likely be her offside, but I'll get Brooke and her team to reach out to you and and go through, have a chat about where everything sits and and just see if they can help you out with that on that side. Because worst case scenario, you get told, hey. What you're currently doing is the best that you have available to you, and it gives reassurance that you're on track that side.\n\nCool. Sometimes it can be, but maybe cool. No. Amazing. Now with respect to, I guess, where everything sits at the moment, we obviously have implemented in the past your your your super fund.\n\nWe have 24, and then you have a insurance policy with Encompass. So with the insurance policy, you have, like, a life, a total family disability, and income protection policy. And the income protection covers you for $7,810 per month. Now I was kind of mentally doing the math before, but then I stopped because we were talking and I just didn't go back to it. The amount that you're covered for is a little bit over what you're what you're currently earning.\n\nSo the policy can only pay you the up to, like, 70% of your income. The policy, like, is a little bit higher than than what your income would normally allow. So we can do a couple of things. One can be to just decrease that policy a little bit just to be in line with where your income sits. Alternatively, we can leave it where it is based on you and your income potentially increasing in the future and just request that the policy not CPI increase again for, like, this next year.\n\nSo that way, we don't drop the benefit if you are expecting an increase in your income. However, little bit more cautious on doing it that way purely and simply because you did say that you're looking to possibly go self employed. And if you generally go self employed, nine times out of 10, you're probably gonna have a slight decrease to your income, not an increase. At least for the couple of years when you establish yourself and get everything moving. Yeah.\n\nSo I on the IP side of things, I do wanna have a little bit of a look and just see if I can taper it back a little bit. It'll just drop the premium. It it it makes no sense to pay for something you can't collect. Right? Bring that back.\n\nOn the life and TPD side, you have $258,000 life TPD. So, basically, what I see that being is that in the event that something happened to you and you were like, you you passed away, you have what is essentially $653,000 between your super fund and your life insurance policy that is payable to your estate, that's payable to your your next of kin, the choice of your your beneficiary. Now first things first, your Encompass policy does not have a beneficiary listed, so we need to administratively get that in place. I I didn't have a a a deep dive into into why it's not in place. I just know that it's not.\n\nSo whether it bounced because it was not accepted at the time, I'm not a thousand percent sure, but definitely something that we should be looking into to get in place. But on your on your HUB twenty four funds, same issue. Beneficiary not not listed. I will have a bit more of a look into things. I meant to it Friday, but my Friday kinda ran away from me, and it's Monday.\n\nSo Monday mornings are always fun. So I haven't had a chance to really deep dive and and have a look as to why they bounced, but but, yeah, that they they're they're not in place. So I wanna get them listed. But, realistically speaking, what I can do is I can pre fill the the forms out, send them to you. Do you have someone that you specifically want to nominate or okay.\n\nSo there's a couple of different points with that. How old is your daughter currently? Like, what what year was she born? Okay. So 2010 born, so 16.\n\nSo couple years away from what is considered an adult, which 18. No one's an adult. But your ex wife under this regulation, so it's like, the CIS Act is, like, the superannuation industry act that governs superannuation funds. An ex wife may actually not be like, it's generally not considered a CIS dependent. Your daughter will always be considered a CIS dependent because she is your daughter.\n\nThe way around that is if I guess, there's there's two ways around it. One is that you can actually nominate your daughter to receive all of the benefits, and what that means is that while she is a child, the money will be hers, but, essentially, her guardian, which is your ex wife, Angela, would be the person to kind of, a, fill out all the documents and paperwork on your daughter's behalf, but, b, would would also be able to be sort of, like, a trustee for the money, like, you know, informally and sort of hold the money for your daughter. Essentially, yes, Angela still gets the money in that way, but it means that in two years' time or, you know, in '28 2028 when your daughter turns 18, you don't need to update the beneficiary nominations because she is an adult. And at that time, she's actually able to claim the money herself and be paid the money directly and go that way. The other avenue around it is instead of making a a direct nomination with the fund for, you know, a specific person, is you can actually nominate what's called your legal personal representative, which means that you're nominating your estate.\n\nAnd that is basically stipulating to the fund, hey. I have a will in place, and I want you to honor what my will says. And what the super fund will do is they will pay the money into a bank account that is in your estate's name, so it'll be the estate of Scott Norman. And it's basically up to the the estate and the will to distribute those funds from there. Either either way works.\n\nIt means that, I guess, essentially, if you want to go down the route of going and doing a will, you could be more specific with how you want Angela to utilize the funds in the event that you passed away before your daughter turned 18. Or if you did a direct nomination, again, you can nominate your daughter, but Angela essentially receives the funds and is able to use them to help support your daughter. It's just dependent on what your outcome is with why you want Angela to get the money. And I and I understand, I guess, from a parental point of view that it's because if you're not there, your daughter still needs to be looked after. Yeah.\n\nSo either either option would work, but I'm happy to I can pre fill documents to support either option. Or if I've overload you with information you need time to consider it, I can send them to you blank. I can send you an email that has a bit of information on which, basically, I can write down what I've just verbally explained. So that way, you can kind of read it. Ma'am.\n\nYeah. Like, the the tax implications, I guess, for anyone receiving money is interest earned on an asset. So, like, a cash asset, which is essentially what it would be when it's distributed to her because it get paid it would all get liquidated and paid in cash, is that the is is that the interest earned on that on that money. Now, realistically, if she put, you know, what is essentially $650,000 into a high interest savings account of, like, 5%, she's looking at $32,500 a year in interest earned. That's if she put into, like, say, a term deposit, which that the $32 is a taxable income, which means she would have to pay tax on what is what is $32 worth of income, which is a couple of grand worth of tax.\n\nIt's not gonna be it it's not exuberant. With what she does from with it from there, like, theoretically, if she goes and buys a house with that money, then, no, not taxable income. If that's an investment property, then, yes, taxable income and things from there. But the same thing would happen the same thing happens to Angela. So if Angela got distributed the money, it went to cash, she would have the same issue.\n\nBut there are ways around it. And essentially speaking, if something happened to you, the hope is is that Angela, you know, your daughter would come and see us, have a chat to us, and we could look at, say, instead of a lump sum benefit being paid out, maybe an income stream where because your daughter like, we could sort of pay it that way to sort of help support things on that side. But that all happens at claim time, and you're not here anymore. So you're like, I don't care. So it's just, I guess, a matter on that side of things as to, you know, us talking to them at that point.\n\nBut but, yeah, what I'll do is definitely, first and foremost, documents, beneficiaries, we need to get them in place. That's okay. How do I spell Alice's name? Is it just a l I c e? Y e?\n\nYep. Norman. Amazing. So date of birth? 2010, the month and date?\n\n11/2010. Amazing. And address that she lives at? Frank. Finn.\n\nThat's okay. I can look it up. I always double check my spelling on streets and such anyway, so I'll look it up. Internet's a great thing. Amazing.\n\nAnd she's she's obviously a female and your daughter. Amazing. Alright. Well, I will prefill the documents, and there's one or two options. I can post them to you where I can email them to you.\n\nEmail means you need to print, sign, scan, and send back. Post, obviously, scan and repost sign and repost. Which would you prefer? Cool. So I'll email them to you and you can print, sign, scan?\n\nAmazing. Cool. I'll get I'll get my team to get them out to you today. So insurance side, I'm gonna have a look at the IP, look at lowering it a little bit, see whether there's it's gonna create much of a difference in terms of premiums. On the superannuation side, first and foremost, I actually want to be straight up honest with you.\n\nAnd I did mean to do this at the beginning of the call, but we kinda got chatting about vehicles and cars and everything, so we didn't. When I was reviewing your file in preparation for the call, I did note that advice from last year was not executed in terms of the investment swap. So last year, we recommended that we made an investment change over to a a few different assets. I went and executed it last week. After the advice has been executed, because it's obviously been nearly twelve it has been twelve months, I will be sitting down personally.\n\nSo I'm the head of advice. So I will sit personally sit down and audit to see whether there's been any financial detriment to your file in terms of had the advice been implemented, whether you're out of pocket for investment that you should have otherwise earned. If you have, we will obviously remediate that. But irrespective of any outcome, you will see receive a letter in writing from myself stipulating the review, the outcome, and whether there's been detriment or money at because we did not make the change. Okay?\n\nCool. Otherwise, the investments that were recommended, I actually have no major issues with them. I will go through and still have another look to see whether there is any changes we could possibly make. There's always changes in the market that do happen. There are always, you know, like, economic changes that could influence the investment options that you hold.\n\nBut, essentially speaking, the the remediation review and the review of your investment options are two separate entities in and of themselves, and I will handle I'll handle both of them. So if I do wanna make any changes to your fund moving forward, that'll be a statement of advice. I would advise you of some of those investment changes that I wanna do while still considering and looking at the remediation side of things anyway. Okay? No.\n\nThat's okay. I had meant to kind of literally start the call and and go into it, but we're not talking about Snap on and and motor vehicles and everything else. Perfect. So I guess so kind of, I guess, tie things in and and for me to kind of look at the super funds and where things are sitting. I do wanna look at where your goal is set and what you're aiming to do.\n\nEven though I know I I've got a really pretty good feel for where you're at now based on our call. I guess, what kind of goals do you set for yourself? Do you do you think you can remember the goals that you set twelve months ago and where they fit? Yeah. Amazing.\n\nSo I guess on that so there there are a couple of things, I guess, we could look at doing. Yes. The income to live off for retirement, that is obviously where the super fund definitely kicks in. The option to help your daughter, she's 16 now. There's a few different things we could sort of look at, and I guess some of it does really depend on where that, I guess, savings per week sits and or possibly getting getting a bit of those assets sorry, the debts paid down to to have you, like so you have more disposable income.\n\nAnd we could look at sort of doing, like, a bit of an investment account that's for her where we could sort of look at maybe, like, a ten year time frame or a five year or two year or whatever the case may be. We could do sort of a investment account that is it depends on how you wanna structure it. There's there's what's called, like, a child bond on one side where you put money in. It has a ten year release time frame. And when that money is released, it is tax paid.\n\nSo there's no capital gains for her to pay. There's no, like, earnings in there's there's no tax on that side because it it'll gets taken care of inside the bond. So when the bond comes up for maturity in ten years, it's it's it's withdraw and go. That's obviously a 26 year old, which realistically, 26 mentally, pretty stable, probably has a bit of an idea as to where she would wanna go. So the money sitting there, you know, could go towards a house deposit, further education, whatever the case may be.\n\nBut it depends on what you want the money to be there for. All the other side of things is you could do, like, an investment account under your name. And the investment account could be specifically set up for her for later. The painful thing about that is that you are the owner of that investment account. If you sell that on any investments, when you do liquidate the assets, there is a capital gains liability.\n\nYou get personally implicated for the tax side of things, but you could utilize, like, that sort of investment account to specifically set her up for her future, which is very much in line with what you're wanting to do to help her out. So it's, like, sort of a couple options on that. It's kind of like, I guess, a a a step up from, you know, the old Commonwealth Bank DollarMite savings account. Yeah. Yeah.\n\nSo it's, like, kind of a step up from that, where we can kind of invest it a little bit and stuff like that. But, again, it just kind of depends on where the root of I wanna I want options to help support my daughter really comes from. Is it is it that I wanna make sure that she's set up and she's gonna be stable for the future, or is it that I wanna make sure that if if her mom loses her job or or, you know, if she does wanna go to uni that I have money available that I can support her in uni so she's not going to have to live off ramen, which, mind you, ramen lifestyle in uni wasn't that bad. Woman after my own heart. So I can I can sort of look into options along those sides?\n\nGenerally speaking, we'd need money to be able to put into it to begin with, though. So you don't start off with zero and just start with a $100 here here, like, ongoing. You would start with, you know, sort of $510 that you would start as an initial and then add to it if you wanted to. But that those kinds of things are an option, but I think possibly maybe a little bit of a future consideration based on us trying to maybe clear off some of these debts. Okay.\n\nSo I think avenues that I'm looking at is obviously the insurance. I'll look at the super fund on a separate side. I'll look at the remediation for the super fund and get you the referral to my broker, see if we could clean up the the the debts owed and get them paid down a little bit faster or get them, you know, just get them ticking along, get you with some extra residual income, and go from there. And what I'll do is I can work with the I can work with the broker where sort of she they can sort of give the information back to me on, hey. This is where the cash flow sits now.\n\nThis is where the cash flow is gonna sit. And I can kind of tie that into my advice that, you know, if we're gonna save a little bit of money, whether maybe we put it back into paying the debts off or whether we can maybe use that to actually set up these these accounts for you. Hi. Cool. Alright.\n\nWell, I'll get that one sent off and going on that side. But I guess in terms of tying off the annual review and going through things, I know you've been a client for a few years now. So what what I have is I have a a a pack of documents, and I know you're on the road driving. So you're obviously not gonna be opening and doing things on that side. But what I wanna do is I'm gonna send that out to you for you to sort of look over, and you're able to come back to me with any questions.\n\nI will obviously be reaching out to you in the next couple of weeks anyway to have a chat about the few things that we talked about today. But the the pack includes, like, the the financial services guide, which sort of details who we are. You've seen a few of them before. It has, you know, our processes and and and fee structures, everything like that included. You've got a overview of your super fund, an overview of your insurance policy, and you've got the ongoing service agreement.\n\nSo that is a document that you would sign that authorizes Oaktree Financial to continue servicing you as a client. That's all included within that pack as well. So once I get off the phone, I will send that through to you. And then, obviously, when you pull up, stop, and and can sit down, you can go through it properly. No.\n\nNot a problem at all. Did you have any questions at all for me while we were on the phone? Perfect. Well, I'll get through to it. You'll have a few emails coming from me today.\n\nSo, obviously, broker, beneficiary forms, and that that that pack to sign and look at. And, of course, if you have any questions, you'll have my direct contact. You can come straight back and ask anything you might have. Not wrong at all, Scott. You have a good one.\n\nDrive safe, Sydney. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Scott.","start":2.1599998,"end":3.04,"sentiment":"neutral","sentiment_score":0.17537681758403778},{"text":"Larissa here.","start":3.04,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.17514775693416595},{"text":"How are you going?","start":3.6799998,"end":4.5,"sentiment":"neutral","sentiment_score":0.2725107669830322},{"text":"No.","start":9.76,"end":10.16,"sentiment":"neutral","sentiment_score":-0.08520184457302094},{"text":"You're so okay.","start":10.16,"end":11.5199995,"sentiment":"neutral","sentiment_score":0.016024989386399586}],"sentiment":"neutral","sentiment_score":0.14616377837955952,"num_words":12,"start":2.1599998,"end":11.5199995},{"sentences":[{"text":"I called you again, and I left a voice mail, but I think you might have already been on the phone to Sam anyway.","start":11.5199995,"end":15.7,"sentiment":"neutral","sentiment_score":0.05810956268881758},{"text":"Perfect.","start":18.465,"end":18.965,"sentiment":"positive","sentiment_score":0.6160869598388672},{"text":"Well, the reason why I called today is, of course, to go through your annual review, have a conversation with you with regards to where things fit now and where we could possibly move in the future with respect to your advice, your personal position, and ultimately everything that's happening, whether there might be maybe some new advice strategies we could implement as well.","start":20.305,"end":39.66,"sentiment":"neutral","sentiment_score":0.17716551455669105},{"text":"But before I keep talking your ear off and asking a million questions, I guess the best question I can ask is where does everything sit for you now, and and is there any major changes that have happened or things that you do wanna investigate?","start":40.84,"end":54.685,"sentiment":"neutral","sentiment_score":-0.0012811613066688828},{"text":"Okay.","start":68.71,"end":69.21,"sentiment":"neutral","sentiment_score":-0.09556031227111816}],"sentiment":"neutral","sentiment_score":0.09702070340897669,"num_words":136,"start":11.5199995,"end":69.21},{"sentences":[{"text":"Yep.","start":73.025,"end":73.525,"sentiment":"neutral","sentiment_score":-0.06922195851802826},{"text":"Yep.","start":82.065,"end":82.565,"sentiment":"neutral","sentiment_score":0.041314877569675446},{"text":"Okay.","start":83.744995,"end":84.244995,"sentiment":"neutral","sentiment_score":0.08756302297115326},{"text":"Cool.","start":84.305,"end":84.705,"sentiment":"neutral","sentiment_score":0.11168482899665833},{"text":"So, I guess if we do go self employed, what does that kind of look like for you?","start":84.705,"end":92.130005,"sentiment":"neutral","sentiment_score":0.04742571090658506}],"sentiment":"neutral","sentiment_score":0.0465910712426359,"num_words":22,"start":73.025,"end":92.130005},{"sentences":[{"text":"Yep.","start":101.985,"end":102.485,"sentiment":"neutral","sentiment_score":0.03497917950153351},{"text":"Yep.","start":127.8,"end":128.3,"sentiment":"neutral","sentiment_score":0.033372655510902405},{"text":"Because real like, Workwise, I have you working at, like, ProCycles.","start":129.545,"end":135.085,"sentiment":"neutral","sentiment_score":0.022357624193484135},{"text":"Could I guess, can you like because, like, it's it's management management of an order like, a a a a auto shop.","start":138.10501,"end":144.445,"sentiment":"neutral","sentiment_score":0.07041413675655019},{"text":"How yeah.","start":144.95999,"end":157.62,"sentiment":"neutral","sentiment_score":0.09664417058229446}],"sentiment":"neutral","sentiment_score":0.05558608245809336,"num_words":37,"start":101.985,"end":157.62},{"sentences":[{"text":"Yep.","start":158.08,"end":158.505,"sentiment":"neutral","sentiment_score":0.06679137051105499},{"text":"Okay.","start":172.10501,"end":172.60501,"sentiment":"neutral","sentiment_score":0.08110547065734863},{"text":"Alright.","start":174.68,"end":175.08,"sentiment":"neutral","sentiment_score":0.12154561281204224},{"text":"Because, like so at the moment, a lot of your work can be remote, by the sounds of it.","start":175.08,"end":180.38,"sentiment":"neutral","sentiment_score":0.12052413036948756},{"text":"Yep.","start":189.805,"end":190.305,"sentiment":"neutral","sentiment_score":0.08825507760047913}],"sentiment":"neutral","sentiment_score":0.11511547863483429,"num_words":23,"start":158.08,"end":190.305},{"sentences":[{"text":"Yep.","start":199.805,"end":200.305,"sentiment":"neutral","sentiment_score":0.08656760305166245},{"text":"Wow.","start":200.605,"end":201.09,"sentiment":"neutral","sentiment_score":0.16472876071929932},{"text":"Yep.","start":222.385,"end":222.885,"sentiment":"neutral","sentiment_score":0.0983525812625885},{"text":"Okay.","start":223.905,"end":224.405,"sentiment":"neutral","sentiment_score":0.10360545665025712},{"text":"Busy boy.","start":224.545,"end":225.44499,"sentiment":"neutral","sentiment_score":0.12549297139048576}],"sentiment":"neutral","sentiment_score":0.11737339074412982,"num_words":6,"start":199.805,"end":225.44499},{"sentences":[{"text":"Understood.","start":225.58499,"end":226.08499,"sentiment":"neutral","sentiment_score":0.08833184093236923},{"text":"Cool.","start":228.74,"end":228.90001,"sentiment":"neutral","sentiment_score":0.2899019718170166},{"text":"Alright.","start":228.90001,"end":229.40001,"sentiment":"neutral","sentiment_score":0.21805453300476071},{"text":"And we're still wanting to sort of keep to that 130,000 that go self employed.","start":230.66,"end":237.32,"sentiment":"neutral","sentiment_score":0.16930175125598906},{"text":"Have you, I I guess, thought of or looked at, like, a structure that you would have for the business or, I guess, like, where the work would come in from?","start":237.94,"end":247.83499,"sentiment":"neutral","sentiment_score":0.0596361841645933}],"sentiment":"neutral","sentiment_score":0.10172523109584439,"num_words":49,"start":225.58499,"end":247.83499},{"sentences":[{"text":"Like, you've you've been in the industry for for a really long time.","start":247.83499,"end":250.875,"sentiment":"neutral","sentiment_score":0.042265751327459626},{"text":"You've you're thirty years in industry, so you've you've got the contact.","start":250.875,"end":254.97499,"sentiment":"neutral","sentiment_score":0.06707199104130268},{"text":"Mhmm.","start":268.16998,"end":268.665,"sentiment":"neutral","sentiment_score":0.12019253522157668},{"text":"Yep.","start":287.16,"end":287.66,"sentiment":"neutral","sentiment_score":0.1875302493572235},{"text":"Yeah.","start":295.70502,"end":296.20502,"sentiment":"neutral","sentiment_score":0.12014344334602356}],"sentiment":"neutral","sentiment_score":0.06364946027419396,"num_words":28,"start":247.83499,"end":296.20502},{"sentences":[{"text":"Mhmm.","start":303.625,"end":304.125,"sentiment":"neutral","sentiment_score":-0.003286401741206646},{"text":"Mhmm.","start":307.35,"end":307.85,"sentiment":"neutral","sentiment_score":-0.01348784938454628},{"text":"Yeah.","start":318.71,"end":319.21,"sentiment":"neutral","sentiment_score":-0.0014886604622006416},{"text":"Okay.","start":319.35,"end":319.725,"sentiment":"neutral","sentiment_score":-0.007422342896461487},{"text":"Yeah.","start":322.285,"end":322.685,"sentiment":"neutral","sentiment_score":0.02696888893842697}],"sentiment":"neutral","sentiment_score":0.00025672689080238344,"num_words":5,"start":303.625,"end":322.685},{"sentences":[{"text":"How how it's actually flowing from there.","start":322.685,"end":324.20502,"sentiment":"neutral","sentiment_score":0.03734965569206646},{"text":"No.","start":324.20502,"end":324.445,"sentiment":"neutral","sentiment_score":0.2027822881937027},{"text":"That's amazing.","start":324.445,"end":325.265,"sentiment":"positive","sentiment_score":0.4361305385828018},{"text":"Okay.","start":325.325,"end":325.825,"sentiment":"neutral","sentiment_score":0.2671254873275757},{"text":"Well, let me run through, and I just have a quick look to make sure that everything that I have on file is still appropriate for where you're at now.","start":326.20502,"end":332.785,"sentiment":"neutral","sentiment_score":0.09478664447863897}],"sentiment":"neutral","sentiment_score":0.10846867748513454,"num_words":41,"start":322.685,"end":332.785},{"sentences":[{"text":"So I've got that you're single of I have, like, contact number as I called you on this morning.","start":334.77002,"end":341.27002,"sentiment":"neutral","sentiment_score":0.08904495952945006},{"text":"S dot norman seventy three hot mail dot com is an email address.","start":341.81,"end":344.865,"sentiment":"neutral","sentiment_score":0.04115571912664633},{"text":"One dependent daughter, next is can I have Angela Curry still listed?","start":346.465,"end":351.025,"sentiment":"neutral","sentiment_score":0.04206164926290512},{"text":"Is that where you want that to fit that's happy?","start":351.025,"end":353.425,"sentiment":"neutral","sentiment_score":0.10698302518576383},{"text":"Cool.","start":353.425,"end":353.925,"sentiment":"neutral","sentiment_score":0.1643533557653427}],"sentiment":"neutral","sentiment_score":0.0721054905178872,"num_words":55,"start":334.77002,"end":353.925},{"sentences":[{"text":"Amazing.","start":355.66498,"end":356.16498,"sentiment":"neutral","sentiment_score":0.32061147689819336},{"text":"We obviously just talked about work.","start":357.025,"end":358.54498,"sentiment":"neutral","sentiment_score":0.15043540547291437},{"text":"$130,000 is what I have as income gross per annum.","start":358.54498,"end":363.18,"sentiment":"neutral","sentiment_score":0.10271544754505157},{"text":"And then I have about $1,500 that in what you have an expend expenditure per week and about a $100 per week in savings.","start":364.6,"end":372.84,"sentiment":"neutral","sentiment_score":0.11420158576220274},{"text":"Does that still sound appropriate?","start":372.84,"end":376.97498,"sentiment":"neutral","sentiment_score":0.12409818470478058}],"sentiment":"neutral","sentiment_score":0.12199363841310791,"num_words":46,"start":355.66498,"end":376.97498},{"sentences":[{"text":"Yep.","start":397.61,"end":398.11,"sentiment":"neutral","sentiment_score":0.20245930552482605},{"text":"Yeah.","start":414.32498,"end":414.82498,"sentiment":"neutral","sentiment_score":0.04841563478112221},{"text":"Because, like, realistically, on a $130,000 a year, that would make your weekly income about 2,500, after tax about $18.80.","start":415.09,"end":422.87,"sentiment":"neutral","sentiment_score":0.10074140019714832},{"text":"So, you know, if you're saving a $100 a week, 1,500 in expenses, that means that we're sort of sitting around $200 a week that we have in, like, discretionary spending by the sounds of things.","start":424.61,"end":435.625,"sentiment":"neutral","sentiment_score":0.20944441792865595},{"text":"So nothing exuberant, but, you know, still pretty comfortable.","start":435.765,"end":439.20502,"sentiment":"neutral","sentiment_score":0.23912347190909916}],"sentiment":"neutral","sentiment_score":0.1784748244307824,"num_words":67,"start":397.61,"end":439.20502},{"sentences":[{"text":"So the numbers add up realistically as, I guess, the long and the short of it.","start":439.20502,"end":443.32,"sentiment":"neutral","sentiment_score":0.09689608216285706},{"text":"Now in terms of assets, liabilities, I've got, like, the car, like, the the car that's leased, $60,000 worth of an asset.","start":446.02,"end":452.91998,"sentiment":"neutral","sentiment_score":0.007502706089078195},{"text":"Debt was a 100 and sorry.","start":453.255,"end":454.77502,"sentiment":"neutral","sentiment_score":-0.07038376107811928},{"text":"Was $23.","start":454.77502,"end":456.855,"sentiment":"neutral","sentiment_score":-0.05961868539452553},{"text":"Do you know where that sort of sits now?","start":456.855,"end":458.635,"sentiment":"neutral","sentiment_score":-0.10177666280004713}],"sentiment":"neutral","sentiment_score":0.004688489929222587,"num_words":55,"start":439.20502,"end":458.635},{"sentences":[{"text":"Do you know?","start":465.17502,"end":465.73502,"sentiment":"neutral","sentiment_score":-0.05609923104445139},{"text":"Yep.","start":465.73502,"end":466.05,"sentiment":"neutral","sentiment_score":-0.002976151881739497},{"text":"Okay.","start":481.16998,"end":481.515,"sentiment":"neutral","sentiment_score":-0.017667707055807114},{"text":"Yep.","start":484.71503,"end":485.11502,"sentiment":"neutral","sentiment_score":0.06307699531316757},{"text":"Is your plan to, like, release, rollover?","start":485.11502,"end":490.73502,"sentiment":"neutral","sentiment_score":-0.06376414799264499}],"sentiment":"neutral","sentiment_score":-0.04401643020817293,"num_words":13,"start":465.17502,"end":490.73502},{"sentences":[{"text":"We yep.","start":491.27502,"end":498.16,"sentiment":"neutral","sentiment_score":-0.07057382818311453},{"text":"Okay.","start":502.22,"end":502.72,"sentiment":"neutral","sentiment_score":0.03295937553048134},{"text":"Alright.","start":503.82,"end":504.32,"sentiment":"neutral","sentiment_score":0.1604865789413452},{"text":"Absolutely.","start":504.46,"end":504.96,"sentiment":"positive","sentiment_score":0.434836745262146},{"text":"Cool.","start":505.02,"end":505.52,"sentiment":"positive","sentiment_score":0.369936466217041}],"sentiment":"neutral","sentiment_score":0.14284525159746408,"num_words":6,"start":491.27502,"end":505.52},{"sentences":[{"text":"And then we've got the motorcycles, about $70 worth 40 debt.","start":505.66,"end":520.645,"sentiment":"neutral","sentiment_score":0.043870925225994804},{"text":"Okay.","start":541.29504,"end":541.79504,"sentiment":"neutral","sentiment_score":0.0055582234635949135},{"text":"How many bikes do we have in total?","start":542.97504,"end":544.755,"sentiment":"neutral","sentiment_score":0.007852252689190209},{"text":"That's awesome.","start":546.83997,"end":547.5,"sentiment":"positive","sentiment_score":0.4689786434173584},{"text":"It sounds like when you're sort of running through them all.","start":547.88,"end":549.88,"sentiment":"neutral","sentiment_score":0.24053652720017868}],"sentiment":"neutral","sentiment_score":0.12529743965150733,"num_words":33,"start":505.66,"end":549.88},{"sentences":[{"text":"Yeah.","start":549.88,"end":550.12,"sentiment":"neutral","sentiment_score":0.16434083878993988},{"text":"Cool.","start":550.12,"end":550.36,"sentiment":"neutral","sentiment_score":0.23870548605918884},{"text":"Three in total.","start":550.36,"end":551.1,"sentiment":"neutral","sentiment_score":0.14644955346981683},{"text":"Amazing.","start":551.8,"end":552.3,"sentiment":"positive","sentiment_score":0.4850792288780213},{"text":"Look.","start":554.68,"end":555.07996,"sentiment":"neutral","sentiment_score":0.20155008137226105}],"sentiment":"neutral","sentiment_score":0.21843204221555165,"num_words":7,"start":549.88,"end":555.07996},{"sentences":[{"text":"At this point, you have more bikes than you do hands or capacity to ride them at one point, but I can't make choices.","start":555.07996,"end":560.965,"sentiment":"neutral","sentiment_score":0.04906206935023268},{"text":"It's diversity.","start":561.98505,"end":562.885,"sentiment":"neutral","sentiment_score":0.08904391899704933},{"text":"Yeah.","start":572.705,"end":573.15,"sentiment":"neutral","sentiment_score":0.06593645364046097},{"text":"Yep.","start":577.79004,"end":578.29004,"sentiment":"neutral","sentiment_score":0.0888780876994133},{"text":"By the sounds of it, it's like it's like tools.","start":587.875,"end":590.595,"sentiment":"neutral","sentiment_score":0.01771655064076185}],"sentiment":"neutral","sentiment_score":0.04440940921439936,"num_words":38,"start":555.07996,"end":590.595},{"sentences":[{"text":"We sometimes we need four or five different spanners.","start":590.595,"end":593.175,"sentiment":"neutral","sentiment_score":-0.006354069337248802},{"text":"They all do the same thing, but they all do different things, which actually brings me onto the tools anyway.","start":594.435,"end":602.055,"sentiment":"neutral","sentiment_score":0.004849163722246886},{"text":"I have about $70,000 in value for tools unless we've gone and exuberantly increased that.","start":602.23,"end":607.45,"sentiment":"neutral","sentiment_score":0.03656049817800522},{"text":"Yep.","start":619.765,"end":620.265,"sentiment":"neutral","sentiment_score":0.0785781741142273},{"text":"Yep.","start":630.07,"end":630.57,"sentiment":"neutral","sentiment_score":0.038186293095350266}],"sentiment":"neutral","sentiment_score":0.015325404136725094,"num_words":46,"start":590.595,"end":630.57},{"sentences":[{"text":"Okay.","start":632.63,"end":633.13,"sentiment":"neutral","sentiment_score":0.04102175310254097},{"text":"No.","start":633.27,"end":633.51,"sentiment":"neutral","sentiment_score":-0.03340894356369972},{"text":"That's okay.","start":633.51,"end":634.23004,"sentiment":"neutral","sentiment_score":0.1489548198878765},{"text":"Cool.","start":634.23004,"end":634.73004,"sentiment":"positive","sentiment_score":0.3744738399982453},{"text":"And we own them all outright.","start":634.95,"end":636.47003,"sentiment":"neutral","sentiment_score":0.2972482889890671}],"sentiment":"neutral","sentiment_score":0.22395327484065836,"num_words":11,"start":632.63,"end":636.47003},{"sentences":[{"text":"We don't have, like, a step on debt or anything like that.","start":636.47003,"end":639.45,"sentiment":"neutral","sentiment_score":-0.0056092335532108946},{"text":"Every every tradie.","start":643.90497,"end":646.565,"sentiment":"neutral","sentiment_score":0.07355125124255817},{"text":"Yeah.","start":646.945,"end":647.445,"sentiment":"neutral","sentiment_score":0.06707775592803955},{"text":"Yep.","start":661.44,"end":661.94,"sentiment":"neutral","sentiment_score":0.05171724408864975},{"text":"Uh-huh.","start":671.695,"end":672.195,"sentiment":"neutral","sentiment_score":0.030877161771059036}],"sentiment":"neutral","sentiment_score":0.016834172937605116,"num_words":18,"start":636.47003,"end":672.195},{"sentences":[{"text":"Yeah.","start":683.57,"end":684.07,"sentiment":"neutral","sentiment_score":0.07448267191648483},{"text":"Yeah.","start":686.05,"end":686.45,"sentiment":"neutral","sentiment_score":0.04765763133764267},{"text":"No.","start":686.45,"end":686.69,"sentiment":"neutral","sentiment_score":0.014143534004688265},{"text":"That's okay.","start":686.69,"end":687.51,"sentiment":"neutral","sentiment_score":0.1174268089234829},{"text":"I think it's it's like, Snap on have done it really well by coming to you.","start":687.81,"end":691.91,"sentiment":"neutral","sentiment_score":0.20996464602649212}],"sentiment":"neutral","sentiment_score":0.17764627578712644,"num_words":21,"start":683.57,"end":691.91},{"sentences":[{"text":"They they they they cornered the market really early, and they did really, really well by by doing what they've done.","start":692.20996,"end":697.575,"sentiment":"neutral","sentiment_score":0.2136648361171995},{"text":"But, yeah, sometimes you kinda just get caught unawares, and you're like, you sit there and think about how you you could really use this tool, and then somehow, the SnapOn guy just rocks up.","start":697.955,"end":708.21,"sentiment":"neutral","sentiment_score":0.023794055730104447},{"text":"Yeah.","start":713.25,"end":713.75,"sentiment":"neutral","sentiment_score":0.13491687178611755},{"text":"Yeah.","start":717.97003,"end":718.37,"sentiment":"neutral","sentiment_score":0.1846264898777008},{"text":"You do.","start":718.37,"end":719.03,"sentiment":"neutral","sentiment_score":0.1635752022266388}],"sentiment":"neutral","sentiment_score":0.09944078791886568,"num_words":60,"start":692.20996,"end":719.03},{"sentences":[{"text":"No.","start":723.33,"end":723.735,"sentiment":"neutral","sentiment_score":-0.006119257770478725},{"text":"Yeah.","start":726.855,"end":727.095,"sentiment":"neutral","sentiment_score":0.0015689395368099213},{"text":"There was a couple.","start":727.095,"end":728.15497,"sentiment":"neutral","sentiment_score":-0.006381198181770742},{"text":"Yeah.","start":732.21497,"end":732.71497,"sentiment":"neutral","sentiment_score":0.006022864952683449},{"text":"Yep.","start":752.605,"end":753.105,"sentiment":"neutral","sentiment_score":-0.0018382712733000517}],"sentiment":"neutral","sentiment_score":-0.003236314660171047,"num_words":8,"start":723.33,"end":753.105},{"sentences":[{"text":"Yeah.","start":778.615,"end":779.115,"sentiment":"neutral","sentiment_score":0.08831129968166351},{"text":"It's like this it's like from twenty years ago, the smoker lady that used to come around, and she would sell smokes and pies and bakery items.","start":780.935,"end":788.47504,"sentiment":"neutral","sentiment_score":-0.003965237350375564},{"text":"And, yeah, 100 percent, you could you could go in debt with her and pay her off eventually.","start":788.69,"end":792.79,"sentiment":"neutral","sentiment_score":-0.0025727861664361423},{"text":"And at the end of the month, she'd she'd come knocking to collect.","start":793.25,"end":795.73,"sentiment":"neutral","sentiment_score":0.004171453237247009},{"text":"They they were always women at that point, but they would always come back.","start":795.73,"end":801.795,"sentiment":"neutral","sentiment_score":0.06565058550664357}],"sentiment":"neutral","sentiment_score":0.012442148347984846,"num_words":73,"start":778.615,"end":801.795},{"sentences":[{"text":"Brilliant system, and it worked well.","start":802.115,"end":804.135,"sentiment":"positive","sentiment_score":0.6035764714082082},{"text":"Yeah.","start":818.26,"end":818.58,"sentiment":"neutral","sentiment_score":0.05239700525999069},{"text":"Absolutely.","start":818.58,"end":819.08,"sentiment":"neutral","sentiment_score":0.12919187545776367},{"text":"Absolutely.","start":819.46,"end":819.96,"sentiment":"neutral","sentiment_score":0.08427306264638901},{"text":"Which on the topic of credit, credit cards.","start":820.58,"end":824.2,"sentiment":"neutral","sentiment_score":0.006993866874836385}],"sentiment":"neutral","sentiment_score":0.2319571592242402,"num_words":17,"start":802.115,"end":824.2},{"sentences":[{"text":"I have a $6,500 credit card.","start":824.34,"end":826.98004,"sentiment":"neutral","sentiment_score":-0.012360226673384508},{"text":"Is that the limit of what's owed?","start":826.98004,"end":828.5,"sentiment":"neutral","sentiment_score":-0.024985613833580698},{"text":"Or do you know what the limit versus owing is?","start":828.5,"end":830.895,"sentiment":"neutral","sentiment_score":-0.022568658366799353},{"text":"Fantastic.","start":834.335,"end":834.835,"sentiment":"positive","sentiment_score":0.5160899758338928},{"text":"So we've got we owe nothing.","start":835.85504,"end":838.495,"sentiment":"neutral","sentiment_score":0.1381563227623701}],"sentiment":"neutral","sentiment_score":0.029009355728824935,"num_words":30,"start":824.34,"end":838.495},{"sentences":[{"text":"Do we live on the credit card?","start":838.495,"end":840.275,"sentiment":"neutral","sentiment_score":0.014590700290032796},{"text":"Like, do like Yep.","start":842.73505,"end":848.56,"sentiment":"neutral","sentiment_score":0.025280084926635027},{"text":"Yep.","start":850.13995,"end":850.63995,"sentiment":"neutral","sentiment_score":-0.00161006988491863},{"text":"Pay 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in?","start":870.35,"end":874.61,"sentiment":"neutral","sentiment_score":0.02276575839256539},{"text":"Okay.","start":894.125,"end":894.51,"sentiment":"neutral","sentiment_score":-0.03205329179763794}],"sentiment":"neutral","sentiment_score":0.03499561557102771,"num_words":21,"start":868.155,"end":894.51},{"sentences":[{"text":"Have we thought about, like because realistically, we've got sort of about $83 worth of debt sitting across all of well, I should probably lower that because we've already got about $15 sitting on the the leased car, so that that that rollover payment, we've got, like, $75 worth of debt sitting across all of the vehicle tools, everything else.","start":895.47003,"end":918.185,"sentiment":"neutral","sentiment_score":-0.08332796506583691},{"text":"Have we thought about doing another consolidation loan to look at easing some of the pressure?","start":918.64496,"end":925.46497,"sentiment":"neutral","sentiment_score":-0.05165658600162715},{"text":"You know the so there's there's brokers that do this for you, and then the banks pay them a commission for doing all the work and getting the client to the bank.","start":946.255,"end":956.17004,"sentiment":"neutral","sentiment_score":-0.013204829796450213},{"text":"So I can set you up with my broker that can look at this.","start":956.71,"end":959.35004,"sentiment":"neutral","sentiment_score":0.13877988393817628},{"text":"And, realistically, what it is from your perspective is my bro like, my broker can give you a call, and what they would do is they would request statements to all of these accounts.","start":959.35004,"end":967.77,"sentiment":"neutral","sentiment_score":0.04074826606494539}],"sentiment":"neutral","sentiment_score":-0.01872037443666695,"num_words":156,"start":895.47003,"end":967.77},{"sentences":[{"text":"Correct me if I'm wrong.","start":968.725,"end":969.845,"sentiment":"neutral","sentiment_score":-0.07205317988991737},{"text":"Snap on just give you a line of credit.","start":969.845,"end":971.845,"sentiment":"neutral","sentiment_score":0.036448109481069774},{"text":"There's no interest incurred for yeah.","start":971.845,"end":975.365,"sentiment":"neutral","sentiment_score":-0.04387777609129747},{"text":"Cool.","start":975.365,"end":975.76495,"sentiment":"neutral","sentiment_score":0.24396367371082303},{"text":"Let's double check.","start":975.76495,"end":976.82495,"sentiment":"neutral","sentiment_score":0.12243614594141643}],"sentiment":"neutral","sentiment_score":0.01315718920280536,"num_words":24,"start":968.725,"end":976.82495},{"sentences":[{"text":"And and so, like, it wouldn't make sense to consolidate that debt because you'd be incurring an interest rate on that debt, which doesn't currently have an interest rate.","start":978.88495,"end":987.59,"sentiment":"neutral","sentiment_score":-0.09622273150959919},{"text":"So it would be sort of, like, the loans that have interest that is being incurred.","start":988.05,"end":992.37,"sentiment":"neutral","sentiment_score":-0.017603033571504056},{"text":"So it's the the the car lease, the motor the motor vehicles, like, the motorcycles, and the personal loan.","start":992.37,"end":997.485,"sentiment":"neutral","sentiment_score":0.011147219785734228},{"text":"Consolidating them down and seeing if you can sort of reduce the the the the interest rate, make it a little bit more easily easy to manage payment wise and everything else, and try and chip off it off a little bit more.","start":997.64496,"end":1009.02496,"sentiment":"neutral","sentiment_score":0.14325211872888166},{"text":"But they they would just they would just require statements to all of the accounts where they currently fit, and then they do the research on which providers would give you loans, what interest rate would be, how we would pay that off, all those kinds of things based on payslips and income.","start":1009.325,"end":1024.68,"sentiment":"neutral","sentiment_score":0.03627423787454389}],"sentiment":"neutral","sentiment_score":0.03263790711062029,"num_words":160,"start":978.88495,"end":1024.68},{"sentences":[{"text":"So I can set that up, email them, cc you in, and they can reach out to you.","start":1024.875,"end":1029.675,"sentiment":"neutral","sentiment_score":0.12353081131974857},{"text":"However, I know that you're a different you you have busy schedule, and today is a day you have off.","start":1029.675,"end":1036.815,"sentiment":"neutral","sentiment_score":-0.15219117179512978},{"text":"Is that correct?","start":1037.115,"end":1038.015,"sentiment":"neutral","sentiment_score":-0.06802222629388173},{"text":"Cool.","start":1038.9701,"end":1039.4701,"sentiment":"neutral","sentiment_score":0.11300139874219894},{"text":"Fair.","start":1043.93,"end":1044.43,"sentiment":"neutral","sentiment_score":0.0014671869575977323}],"sentiment":"neutral","sentiment_score":-0.021159695937883024,"num_words":43,"start":1024.875,"end":1044.43},{"sentences":[{"text":"Fair.","start":1047.77,"end":1048.01,"sentiment":"neutral","sentiment_score":0.04267260432243347},{"text":"Absolutely.","start":1048.01,"end":1048.51,"sentiment":"positive","sentiment_score":0.4037379920482635},{"text":"So, theoretically speaking, like, they you know, my broker could organize a time where you are driving to have these kinds of conversations, and that's just a matter of you need to do the paperwork by sending them through statements, which is something you can do at 08:00 at night.","start":1049.93,"end":1062.205,"sentiment":"neutral","sentiment_score":0.14244387671351433},{"text":"That's fine.","start":1062.205,"end":1062.945,"sentiment":"neutral","sentiment_score":0.20215989649295807},{"text":"And go from there.","start":1064.605,"end":1065.745,"sentiment":"neutral","sentiment_score":0.14103492721915245}],"sentiment":"neutral","sentiment_score":0.14719075748118862,"num_words":58,"start":1047.77,"end":1065.745},{"sentences":[{"text":"But but that that's something I can do so that way it alleviates the pressure from you having to sit down and I know.","start":1066.8501,"end":1072.53,"sentiment":"neutral","sentiment_score":0.07941401656717062},{"text":"The research component's a pain.","start":1072.53,"end":1074.4701,"sentiment":"neutral","sentiment_score":-0.12153703272342682},{"text":"Cool.","start":1075.4901,"end":1075.9901,"sentiment":"neutral","sentiment_score":0.19991864264011383},{"text":"Yeah.","start":1086.705,"end":1087.025,"sentiment":"neutral","sentiment_score":0.27268922328948975},{"text":"Cool.","start":1087.025,"end":1087.265,"sentiment":"neutral","sentiment_score":0.32831475138664246}],"sentiment":"neutral","sentiment_score":0.06559918285347521,"num_words":32,"start":1066.8501,"end":1087.265},{"sentences":[{"text":"Alright.","start":1087.265,"end":1087.585,"sentiment":"neutral","sentiment_score":0.21683603525161743},{"text":"Well, I'll I'll get I'll get my broker, Brooke.","start":1087.585,"end":1091.285,"sentiment":"neutral","sentiment_score":0.13559982842869228},{"text":"It it'll more than likely be her offside, but I'll get Brooke and her team to reach out to you and and go through, have a chat about where everything sits and and just see if they can help you out with that on that side.","start":1091.505,"end":1102.58,"sentiment":"neutral","sentiment_score":0.16265950643497964},{"text":"Because worst case scenario, you get told, hey.","start":1102.58,"end":1104.84,"sentiment":"neutral","sentiment_score":0.14648253377526999},{"text":"What you're currently doing is the best that you have available to you, and it gives reassurance that you're on track that side.","start":1104.9,"end":1110.975,"sentiment":"neutral","sentiment_score":0.26241236536399176}],"sentiment":"neutral","sentiment_score":0.18536685587003313,"num_words":87,"start":1087.265,"end":1110.975},{"sentences":[{"text":"Cool.","start":1113.435,"end":1113.935,"sentiment":"neutral","sentiment_score":0.32699283957481384},{"text":"Sometimes it can be, but maybe cool.","start":1117.675,"end":1123.4551,"sentiment":"neutral","sentiment_score":0.12584594850029265},{"text":"No.","start":1123.93,"end":1124.43,"sentiment":"neutral","sentiment_score":0.30808815360069275},{"text":"Amazing.","start":1130.65,"end":1131.15,"sentiment":"neutral","sentiment_score":0.07801833003759384},{"text":"Now with respect to, I guess, where everything sits at the moment, we obviously have implemented in the past your your your super fund.","start":1131.77,"end":1141.595,"sentiment":"neutral","sentiment_score":0.04857120383530855}],"sentiment":"neutral","sentiment_score":0.08116852514007512,"num_words":34,"start":1113.435,"end":1141.595},{"sentences":[{"text":"We have 24, and then you have a insurance policy with Encompass.","start":1141.595,"end":1147.135,"sentiment":"neutral","sentiment_score":0.09161580385019381},{"text":"So with the insurance policy, you have, like, a life, a total family disability, and income protection policy.","start":1149.835,"end":1155.135,"sentiment":"neutral","sentiment_score":0.15906883279482523},{"text":"And the income protection covers you for $7,810 per month.","start":1157.25,"end":1164.47,"sentiment":"neutral","sentiment_score":0.08943357914686204},{"text":"Now I was kind of mentally doing the math before, but then I stopped because we were talking and I just didn't go back to it.","start":1165.1699,"end":1174.955,"sentiment":"neutral","sentiment_score":-0.07743829001600926},{"text":"The amount that you're covered for is a little bit over what you're what you're currently earning.","start":1177.575,"end":1185.35,"sentiment":"neutral","sentiment_score":-0.11858323216438293}],"sentiment":"neutral","sentiment_score":0.009971734226109034,"num_words":83,"start":1141.595,"end":1185.35},{"sentences":[{"text":"So the policy can only pay you the up to, like, 70% of your income.","start":1185.89,"end":1191.19,"sentiment":"neutral","sentiment_score":-0.081353231271108},{"text":"The policy, like, is a little bit higher than than what your income would normally allow.","start":1191.89,"end":1197.27,"sentiment":"neutral","sentiment_score":-0.3096268456429243},{"text":"So we can do a couple of things.","start":1197.33,"end":1198.885,"sentiment":"neutral","sentiment_score":-0.14542853087186813},{"text":"One can be to just decrease that policy a little bit just to be in line with where your income sits.","start":1198.885,"end":1203.7051,"sentiment":"neutral","sentiment_score":-0.17915400933651698},{"text":"Alternatively, we can leave it where it is based on you and your income potentially increasing in the future and just request that the policy not CPI increase again for, like, this next year.","start":1205.605,"end":1219.43,"sentiment":"neutral","sentiment_score":0.07377620507031679}],"sentiment":"neutral","sentiment_score":-0.09139999436174935,"num_words":94,"start":1185.89,"end":1219.43},{"sentences":[{"text":"So that way, we don't drop the benefit if you are expecting an increase in your income.","start":1220.13,"end":1225.3301,"sentiment":"neutral","sentiment_score":-0.12060483238276314},{"text":"However, little bit more cautious on doing it that way purely and simply because you did say that you're looking to possibly go self employed.","start":1225.3301,"end":1233.795,"sentiment":"neutral","sentiment_score":-0.20928314149379731},{"text":"And if you generally go self employed, nine times out of 10, you're probably gonna have a slight decrease to your income, not an increase.","start":1233.8551,"end":1243.19,"sentiment":"neutral","sentiment_score":-0.31134499788284303},{"text":"At least for the couple of years when you establish yourself and get everything moving.","start":1243.33,"end":1247.35,"sentiment":"neutral","sentiment_score":-0.06927299052476883},{"text":"Yeah.","start":1250.21,"end":1250.625,"sentiment":"neutral","sentiment_score":-0.01317942887544632}],"sentiment":"neutral","sentiment_score":-0.1941959026707224,"num_words":83,"start":1220.13,"end":1250.625},{"sentences":[{"text":"So I on the IP side of things, I do wanna have a little bit of a look and just see if I can taper it back a little bit.","start":1251.585,"end":1256.625,"sentiment":"neutral","sentiment_score":-0.12304100083808105},{"text":"It'll just drop the premium.","start":1256.625,"end":1257.665,"sentiment":"negative","sentiment_score":-0.34453721046447755},{"text":"It it it makes no sense to pay for something you can't collect.","start":1257.665,"end":1260.325,"sentiment":"negative","sentiment_score":-0.5582513511180878},{"text":"Right?","start":1260.545,"end":1261.045,"sentiment":"neutral","sentiment_score":-0.12120088189840315},{"text":"Bring that back.","start":1263.025,"end":1263.985,"sentiment":"neutral","sentiment_score":-0.14840605854988098}],"sentiment":"neutral","sentiment_score":-0.2545692826836155,"num_words":52,"start":1251.585,"end":1263.985},{"sentences":[{"text":"On the life and TPD side, you have $258,000 life TPD.","start":1263.985,"end":1269.65,"sentiment":"neutral","sentiment_score":0.03902107494121248},{"text":"So, basically, what I see that being is that in the event that something happened to you and you were like, you you passed away, you have what is essentially $653,000 between your super fund and your life insurance policy that is payable to your estate, that's payable to your your next of kin, the choice of your your beneficiary.","start":1271.55,"end":1300.01,"sentiment":"neutral","sentiment_score":0.054037887354691824},{"text":"Now first things first, your Encompass policy does not have a beneficiary listed, so we need to administratively get that in place.","start":1300.5499,"end":1310.185,"sentiment":"neutral","sentiment_score":-0.05848808417266065},{"text":"I I didn't have a a a deep dive into into why it's not in place.","start":1317.1901,"end":1321.35,"sentiment":"neutral","sentiment_score":-0.22500667301937938},{"text":"I just know that it's not.","start":1321.35,"end":1322.89,"sentiment":"neutral","sentiment_score":-0.2820674156149228}],"sentiment":"neutral","sentiment_score":-0.025284730853593868,"num_words":115,"start":1263.985,"end":1322.89},{"sentences":[{"text":"So whether it bounced because it was not accepted at the time, I'm not a thousand percent sure, but definitely something that we should be looking into to get in place.","start":1323.43,"end":1336.0751,"sentiment":"neutral","sentiment_score":-0.21556622102375952},{"text":"But on your on your HUB twenty four funds, same issue.","start":1337.175,"end":1341.8351,"sentiment":"neutral","sentiment_score":-0.05067341910167174},{"text":"Beneficiary not not listed.","start":1342.375,"end":1343.915,"sentiment":"neutral","sentiment_score":-0.195573627948761},{"text":"I will have a bit more of a look into things.","start":1344.5,"end":1346.5,"sentiment":"neutral","sentiment_score":-0.052961934357881546},{"text":"I meant to it Friday, but my Friday kinda ran away from me, and it's Monday.","start":1346.5,"end":1350.34,"sentiment":"neutral","sentiment_score":-0.23745817551389337}],"sentiment":"neutral","sentiment_score":-0.16992009670971192,"num_words":73,"start":1323.43,"end":1350.34},{"sentences":[{"text":"So Monday mornings are always fun.","start":1350.34,"end":1352.6,"sentiment":"neutral","sentiment_score":0.12682832653323808},{"text":"So I haven't had a chance to really deep dive and and have a look as to why they bounced, but but, yeah, that they they're they're not in place.","start":1354.98,"end":1362.795,"sentiment":"neutral","sentiment_score":-0.10541503032048544},{"text":"So I wanna get them listed.","start":1362.795,"end":1363.915,"sentiment":"neutral","sentiment_score":0.04479116077224413},{"text":"But, realistically speaking, what I can do is I can pre fill the the forms out, send them to you.","start":1363.915,"end":1368.495,"sentiment":"neutral","sentiment_score":0.16330701895058156},{"text":"Do you have someone that you specifically want to nominate or okay.","start":1370.235,"end":1380.8,"sentiment":"neutral","sentiment_score":0.10211645935972531}],"sentiment":"neutral","sentiment_score":0.031875728453333314,"num_words":74,"start":1350.34,"end":1380.8},{"sentences":[{"text":"So there's a couple of different points with that.","start":1380.8,"end":1383.46,"sentiment":"neutral","sentiment_score":0.03557573300268915},{"text":"How old is your daughter currently?","start":1384.08,"end":1385.775,"sentiment":"neutral","sentiment_score":-0.02880446830143531},{"text":"Like, what what year was she born?","start":1386.015,"end":1387.555,"sentiment":"neutral","sentiment_score":-0.030251083629471914},{"text":"Okay.","start":1392.735,"end":1393.215,"sentiment":"neutral","sentiment_score":-0.01794423535466194},{"text":"So 2010 born, so 16.","start":1393.215,"end":1394.975,"sentiment":"neutral","sentiment_score":-0.026904540508985518}],"sentiment":"neutral","sentiment_score":-0.007745347717510802,"num_words":28,"start":1380.8,"end":1394.975},{"sentences":[{"text":"So couple years away from what is considered an adult, which 18.","start":1394.975,"end":1402.65,"sentiment":"neutral","sentiment_score":-0.17162005292872587},{"text":"No one's an adult.","start":1402.65,"end":1403.63,"sentiment":"neutral","sentiment_score":-0.27312506176531315},{"text":"But your ex wife under this regulation, so it's like, the CIS Act is, like, the superannuation industry act that governs superannuation funds.","start":1404.01,"end":1416.535,"sentiment":"neutral","sentiment_score":-0.12004069271294968},{"text":"An ex wife may actually not be like, it's generally not considered a CIS dependent.","start":1417.635,"end":1423.015,"sentiment":"neutral","sentiment_score":-0.28110021849473316},{"text":"Your daughter will always be considered a CIS dependent because she is your daughter.","start":1425.075,"end":1428.855,"sentiment":"neutral","sentiment_score":-0.054982225011501996}],"sentiment":"neutral","sentiment_score":-0.16028134179685047,"num_words":68,"start":1394.975,"end":1428.855},{"sentences":[{"text":"The way around that is if I guess, there's there's two ways around it.","start":1430.99,"end":1436.19,"sentiment":"neutral","sentiment_score":0.04167340536202703},{"text":"One is that you can actually nominate your daughter to receive all of the benefits, and what that means is that while she is a child, the money will be hers, but, essentially, her guardian, which is your ex wife, Angela, would be the person to kind of, a, fill out all the documents and paperwork on your daughter's behalf, but, b, would would also be able to be sort of, like, a trustee for the money, like, you know, informally and sort of hold the money for your daughter.","start":1436.19,"end":1468.09,"sentiment":"neutral","sentiment_score":0.17473640309439764},{"text":"Essentially, yes, Angela still gets the money in that way, but it means that in two years' time or, you know, in '28 2028 when your daughter turns 18, you don't need to update the beneficiary nominations because she is an adult.","start":1468.63,"end":1480.885,"sentiment":"neutral","sentiment_score":0.2053053572419144},{"text":"And at that time, she's actually able to claim the money herself and be paid the money directly and go that way.","start":1480.885,"end":1490.8201,"sentiment":"neutral","sentiment_score":0.2103199582885612},{"text":"The other avenue around it is instead of making a a direct nomination with the fund for, you know, a specific person, is you can actually nominate what's called your legal personal representative, which means that you're nominating your estate.","start":1490.8201,"end":1505.605,"sentiment":"neutral","sentiment_score":0.09821542454883456}],"sentiment":"neutral","sentiment_score":0.1610008895289726,"num_words":208,"start":1430.99,"end":1505.605},{"sentences":[{"text":"And that is basically stipulating to the fund, hey.","start":1506.0651,"end":1508.865,"sentiment":"neutral","sentiment_score":0.14410002364052665},{"text":"I have a will in place, and I want you to honor what my will says.","start":1508.865,"end":1512.965,"sentiment":"neutral","sentiment_score":0.1387480446137488},{"text":"And what the super fund will do is they will pay the money into a bank account that is in your estate's name, so it'll be the estate of Scott Norman.","start":1513.26,"end":1520.88,"sentiment":"neutral","sentiment_score":0.12468890797707342},{"text":"And it's basically up to the the estate and the will to distribute those funds from there.","start":1522.06,"end":1528.255,"sentiment":"neutral","sentiment_score":0.11693070960395477},{"text":"Either either way works.","start":1528.255,"end":1529.555,"sentiment":"neutral","sentiment_score":0.07632512506097555}],"sentiment":"neutral","sentiment_score":0.1256538654205861,"num_words":77,"start":1506.0651,"end":1529.555},{"sentences":[{"text":"It means that, I guess, essentially, if you want to go down the route of going and doing a will, you could be more specific with how you want Angela to utilize the funds in the event that you passed away before your daughter turned 18.","start":1529.855,"end":1543.75,"sentiment":"neutral","sentiment_score":0.0801213224944861},{"text":"Or if you did a direct nomination, again, you can nominate your daughter, but Angela essentially receives the funds and is able to use them to help support your daughter.","start":1544.77,"end":1552.93,"sentiment":"neutral","sentiment_score":0.2868632515271505},{"text":"It's just dependent on what your outcome is with why you want Angela to get the money.","start":1552.93,"end":1557.755,"sentiment":"neutral","sentiment_score":-0.0031279980698052574},{"text":"And I and I understand, I guess, from a parental point of view that it's because if you're not there, your daughter still needs to be looked after.","start":1557.755,"end":1566.015,"sentiment":"neutral","sentiment_score":-0.13148552804653132},{"text":"Yeah.","start":1567.915,"end":1568.22,"sentiment":"neutral","sentiment_score":0.08354726433753967}],"sentiment":"neutral","sentiment_score":0.07082176141318727,"num_words":122,"start":1529.855,"end":1568.22},{"sentences":[{"text":"So either either option would work, but I'm happy to I can pre fill documents to support either option.","start":1569.5,"end":1575.1799,"sentiment":"neutral","sentiment_score":0.3129107340386039},{"text":"Or if I've overload you with information you need time to consider it, I can send them to you blank.","start":1575.1799,"end":1579.9,"sentiment":"neutral","sentiment_score":0.15682729445397853},{"text":"I can send you an email that has a bit of information on which, basically, I can write down what I've just verbally explained.","start":1579.9,"end":1587.345,"sentiment":"neutral","sentiment_score":0.057920053135603666},{"text":"So that way, you can kind of read it.","start":1588.2849,"end":1590.705,"sentiment":"neutral","sentiment_score":0.04583591719468435},{"text":"Ma'am.","start":1599.9,"end":1600.4,"sentiment":"neutral","sentiment_score":-0.007106175646185875}],"sentiment":"neutral","sentiment_score":0.1490047697284042,"num_words":73,"start":1569.5,"end":1600.4},{"sentences":[{"text":"Yeah.","start":1626.4299,"end":1626.6699,"sentiment":"neutral","sentiment_score":-0.042645879089832306},{"text":"Like, the the tax implications, I guess, for anyone receiving money is interest earned on an asset.","start":1626.6699,"end":1633.25,"sentiment":"neutral","sentiment_score":-0.04905081123990171},{"text":"So, like, a cash asset, which is essentially what it would be when it's distributed to her because it get paid it would all get liquidated and paid in cash, is that the is is that the interest earned on that on that money.","start":1633.47,"end":1648.815,"sentiment":"neutral","sentiment_score":0.013216742102734068},{"text":"Now, realistically, if she put, you know, what is essentially $650,000 into a high interest savings account of, like, 5%, she's looking at $32,500 a year in interest earned.","start":1648.955,"end":1661.79,"sentiment":"neutral","sentiment_score":-0.010527459904551506},{"text":"That's if she put into, like, say, a term deposit, which that the $32 is a taxable income, which means she would have to pay tax on what is what is $32 worth of income, which is a couple of grand worth of tax.","start":1661.79,"end":1678.71,"sentiment":"neutral","sentiment_score":-0.05172938847152347}],"sentiment":"neutral","sentiment_score":-0.021306388500939917,"num_words":135,"start":1626.4299,"end":1678.71},{"sentences":[{"text":"It's not gonna be it it's not exuberant.","start":1679.35,"end":1681.37,"sentiment":"neutral","sentiment_score":-0.10594670195132494},{"text":"With what she does from with it from there, like, theoretically, if she goes and buys a house with that money, then, no, not taxable income.","start":1683.0299,"end":1689.83,"sentiment":"neutral","sentiment_score":0.03161161464567368},{"text":"If that's an investment property, then, yes, taxable income and things from there.","start":1689.83,"end":1693.45,"sentiment":"neutral","sentiment_score":0.01280854742687482},{"text":"But the same thing would happen the same thing happens to Angela.","start":1694.045,"end":1697.265,"sentiment":"neutral","sentiment_score":0.03025165619328618},{"text":"So if Angela got distributed the money, it went to cash, she would have the same issue.","start":1697.325,"end":1701.4249,"sentiment":"neutral","sentiment_score":-0.01939160201479407}],"sentiment":"neutral","sentiment_score":0.0022921331815029446,"num_words":76,"start":1679.35,"end":1701.4249},{"sentences":[{"text":"But there are ways around it.","start":1701.965,"end":1703.325,"sentiment":"neutral","sentiment_score":-0.044667940586805344},{"text":"And essentially speaking, if something happened to you, the hope is is that Angela, you know, your daughter would come and see us, have a chat to us, and we could look at, say, instead of a lump sum benefit being paid out, maybe an income stream where because your daughter like, we could sort of pay it that way to sort of help support things on that side.","start":1703.325,"end":1725.585,"sentiment":"neutral","sentiment_score":0.07782080818129622},{"text":"But that all happens at claim time, and you're not here anymore.","start":1728.365,"end":1732.7849,"sentiment":"neutral","sentiment_score":-0.21433756748835245},{"text":"So you're like, I don't care.","start":1733.005,"end":1736.705,"sentiment":"neutral","sentiment_score":-0.2025712188333273},{"text":"So it's just, I guess, a matter on that side of things as to, you know, us talking to them at that point.","start":1737.005,"end":1742.71,"sentiment":"neutral","sentiment_score":-0.08498625781225122}],"sentiment":"neutral","sentiment_score":-0.005521844237528998,"num_words":116,"start":1701.965,"end":1742.71},{"sentences":[{"text":"But but, yeah, what I'll do is definitely, first and foremost, documents, beneficiaries, we need to get them in place.","start":1744.21,"end":1759.505,"sentiment":"neutral","sentiment_score":0.06990457433275879},{"text":"That's okay.","start":1759.965,"end":1760.545,"sentiment":"neutral","sentiment_score":0.19250982999801636},{"text":"How do I spell Alice's name?","start":1761.485,"end":1763.165,"sentiment":"neutral","sentiment_score":0.030593952164053917},{"text":"Is it just a l I c e?","start":1763.165,"end":1765.025,"sentiment":"neutral","sentiment_score":0.03311740350909531},{"text":"Y e?","start":1769.52,"end":1770.3201,"sentiment":"neutral","sentiment_score":0.01973370648920536}],"sentiment":"neutral","sentiment_score":0.05976530264965013,"num_words":38,"start":1744.21,"end":1770.3201},{"sentences":[{"text":"Yep.","start":1770.3201,"end":1770.8201,"sentiment":"neutral","sentiment_score":0.03392424434423447},{"text":"Norman.","start":1772.7201,"end":1773.2201,"sentiment":"neutral","sentiment_score":0.05411771312355995},{"text":"Amazing.","start":1773.28,"end":1773.78,"sentiment":"neutral","sentiment_score":0.18438366055488584},{"text":"So date of birth?","start":1774.16,"end":1775.04,"sentiment":"neutral","sentiment_score":0.06213328056037426},{"text":"2010, the month and date?","start":1775.04,"end":1776.9801,"sentiment":"neutral","sentiment_score":0.03217385895550251}],"sentiment":"neutral","sentiment_score":0.056819002920140825,"num_words":12,"start":1770.3201,"end":1776.9801},{"sentences":[{"text":"11/2010.","start":1779.12,"end":1780.905,"sentiment":"neutral","sentiment_score":0.02749051153659821},{"text":"Amazing.","start":1781.145,"end":1781.545,"sentiment":"neutral","sentiment_score":0.14269116520881653},{"text":"And address that she lives at?","start":1781.545,"end":1785.005,"sentiment":"neutral","sentiment_score":0.04785460171600183},{"text":"Frank.","start":1794.505,"end":1795.005,"sentiment":"neutral","sentiment_score":0.01906878873705864},{"text":"Finn.","start":1802.7999,"end":1802.96,"sentiment":"neutral","sentiment_score":0.01511780358850956}],"sentiment":"neutral","sentiment_score":0.04914958793669939,"num_words":10,"start":1779.12,"end":1802.96},{"sentences":[{"text":"That's okay.","start":1802.96,"end":1803.5199,"sentiment":"neutral","sentiment_score":0.0647415742278099},{"text":"I can look it up.","start":1803.5199,"end":1804.24,"sentiment":"neutral","sentiment_score":0.04957520365715027},{"text":"I always double check my spelling on streets and such anyway, so I'll look it up.","start":1804.24,"end":1809.465,"sentiment":"neutral","sentiment_score":0.04580326657742262},{"text":"Internet's a great thing.","start":1809.7849,"end":1811.005,"sentiment":"positive","sentiment_score":0.4660769999027252},{"text":"Amazing.","start":1811.385,"end":1811.7849,"sentiment":"positive","sentiment_score":0.44557926058769226}],"sentiment":"neutral","sentiment_score":0.12214638186352593,"num_words":28,"start":1802.96,"end":1811.7849},{"sentences":[{"text":"And she's she's obviously a female and your daughter.","start":1811.7849,"end":1814.365,"sentiment":"neutral","sentiment_score":0.1562932481368383},{"text":"Amazing.","start":1817.705,"end":1818.205,"sentiment":"positive","sentiment_score":0.34760260581970215},{"text":"Alright.","start":1818.345,"end":1818.6649,"sentiment":"neutral","sentiment_score":0.147739440202713},{"text":"Well, I will prefill the documents, and there's one or two options.","start":1818.6649,"end":1824.47,"sentiment":"neutral","sentiment_score":0.11112260197599728},{"text":"I can post them to you where I can email them to you.","start":1824.47,"end":1826.71,"sentiment":"neutral","sentiment_score":0.11110149266628119}],"sentiment":"neutral","sentiment_score":0.12999366410076618,"num_words":36,"start":1811.7849,"end":1826.71},{"sentences":[{"text":"Email means you need to print, sign, scan, and send back.","start":1826.71,"end":1830.25,"sentiment":"neutral","sentiment_score":0.05985735593871637},{"text":"Post, obviously, scan and repost sign and repost.","start":1830.47,"end":1834.57,"sentiment":"neutral","sentiment_score":0.03637398616410792},{"text":"Which would you prefer?","start":1835.235,"end":1836.215,"sentiment":"neutral","sentiment_score":0.03338007302954793},{"text":"Cool.","start":1841.635,"end":1841.875,"sentiment":"neutral","sentiment_score":0.15972064435482025},{"text":"So I'll email them to you and you can print, sign, scan?","start":1841.875,"end":1844.435,"sentiment":"neutral","sentiment_score":0.12268851014475028}],"sentiment":"neutral","sentiment_score":0.07541460730135441,"num_words":36,"start":1826.71,"end":1844.435},{"sentences":[{"text":"Amazing.","start":1844.435,"end":1844.935,"sentiment":"positive","sentiment_score":0.3645181953907013},{"text":"Cool.","start":1845.475,"end":1845.875,"sentiment":"positive","sentiment_score":0.5081827640533447},{"text":"I'll get I'll get my team to get them out to you today.","start":1845.875,"end":1848.535,"sentiment":"positive","sentiment_score":0.352020990390044},{"text":"So insurance side, I'm gonna have a look at the IP, look at lowering it a little bit, see whether there's it's gonna create much of a difference in terms of premiums.","start":1849.715,"end":1861.06,"sentiment":"neutral","sentiment_score":0.011616708110523177},{"text":"On the superannuation side, first and foremost, I actually want to be straight up honest with you.","start":1862.0801,"end":1867.405,"sentiment":"neutral","sentiment_score":-0.020139112849445903}],"sentiment":"neutral","sentiment_score":0.08559911836891843,"num_words":64,"start":1844.435,"end":1867.405},{"sentences":[{"text":"And I did mean to do this at the beginning of the call, but we kinda got chatting about vehicles and cars and everything, so we didn't.","start":1867.405,"end":1873.825,"sentiment":"neutral","sentiment_score":-0.054155355181407044},{"text":"When I was reviewing your file in preparation for the call, I did note that advice from last year was not executed in terms of the investment swap.","start":1874.365,"end":1883.91,"sentiment":"neutral","sentiment_score":-0.09385714739827174},{"text":"So last year, we recommended that we made an investment change over to a a few different assets.","start":1884.13,"end":1888.87,"sentiment":"neutral","sentiment_score":-0.026456468997316226},{"text":"I went and executed it last week.","start":1889.01,"end":1891.1901,"sentiment":"neutral","sentiment_score":-0.0019915495067834854},{"text":"After the advice has been executed, because it's obviously been nearly twelve it has been twelve months, I will be sitting down personally.","start":1891.49,"end":1898.335,"sentiment":"neutral","sentiment_score":-0.08908533871821735}],"sentiment":"neutral","sentiment_score":-0.06436227957347354,"num_words":103,"start":1867.405,"end":1898.335},{"sentences":[{"text":"So I'm the head of advice.","start":1898.395,"end":1899.355,"sentiment":"neutral","sentiment_score":-0.04576492682099342},{"text":"So I will sit personally sit down and audit to see whether there's been any financial detriment to your file in terms of had the advice been implemented, whether you're out of pocket for investment that you should have otherwise earned.","start":1899.355,"end":1913.4601,"sentiment":"neutral","sentiment_score":-0.21605885683036433},{"text":"If you have, we will obviously remediate that.","start":1913.76,"end":1917.3,"sentiment":"neutral","sentiment_score":-0.1888683307915926},{"text":"But irrespective of any outcome, you will see receive a letter in writing from myself stipulating the review, the outcome, and whether there's been detriment or money at because we did not make the change.","start":1917.84,"end":1931.935,"sentiment":"neutral","sentiment_score":-0.17092886082828046},{"text":"Okay?","start":1932.395,"end":1932.895,"sentiment":"neutral","sentiment_score":0.06240207701921463}],"sentiment":"neutral","sentiment_score":-0.1820226086733433,"num_words":91,"start":1898.395,"end":1932.895},{"sentences":[{"text":"Cool.","start":1934.3151,"end":1934.8151,"sentiment":"neutral","sentiment_score":0.19010964035987857},{"text":"Otherwise, the investments that were recommended, I actually have no major issues with them.","start":1935.72,"end":1940.86,"sentiment":"neutral","sentiment_score":0.13188224392277853},{"text":"I will go through and still have another look to see whether there is any changes we could possibly make.","start":1941.64,"end":1948.0599,"sentiment":"neutral","sentiment_score":0.04304642211645841},{"text":"There's always changes in the market that do happen.","start":1948.785,"end":1950.9451,"sentiment":"neutral","sentiment_score":-0.061870339843961925},{"text":"There are always, you know, like, economic changes that could influence the investment options that you hold.","start":1950.9451,"end":1961.685,"sentiment":"neutral","sentiment_score":-0.07584621932576685}],"sentiment":"neutral","sentiment_score":0.01723230672908611,"num_words":61,"start":1934.3151,"end":1961.685},{"sentences":[{"text":"But, essentially speaking, the the remediation review and the review of your investment options are two separate entities in and of themselves, and I will handle I'll handle both of them.","start":1962.37,"end":1974.735,"sentiment":"neutral","sentiment_score":-0.05687192752356491},{"text":"So if I do wanna make any changes to your fund moving forward, that'll be a statement of advice.","start":1975.215,"end":1980.895,"sentiment":"neutral","sentiment_score":0.00023222498987850371},{"text":"I would advise you of some of those investment changes that I wanna do while still considering and looking at the remediation side of things anyway.","start":1980.895,"end":1988.815,"sentiment":"neutral","sentiment_score":0.04198071346260034},{"text":"Okay?","start":1988.815,"end":1989.27,"sentiment":"neutral","sentiment_score":0.09804147481918336},{"text":"No.","start":1991.99,"end":1992.23,"sentiment":"neutral","sentiment_score":-0.008719176054000854}],"sentiment":"neutral","sentiment_score":-0.007407649097820887,"num_words":78,"start":1962.37,"end":1992.23},{"sentences":[{"text":"That's okay.","start":1992.23,"end":1993.13,"sentiment":"neutral","sentiment_score":-0.016876189969480038},{"text":"I had meant to kind of literally start the call and and go into it, but we're not talking about Snap on and and motor vehicles and everything else.","start":1993.43,"end":2003.21,"sentiment":"neutral","sentiment_score":-0.01659305701995718},{"text":"Perfect.","start":2005.5651,"end":2006.0651,"sentiment":"positive","sentiment_score":0.7973109483718872},{"text":"So I guess so kind of, I guess, tie things in and and for me to kind of look at the super funds and where things are sitting.","start":2006.4451,"end":2014.145,"sentiment":"neutral","sentiment_score":0.18991158264023916},{"text":"I do wanna look at where your goal is set and what you're aiming to do.","start":2014.365,"end":2018.0499,"sentiment":"positive","sentiment_score":0.3725585089996457}],"sentiment":"neutral","sentiment_score":0.15211605753651575,"num_words":76,"start":1992.23,"end":2018.0499},{"sentences":[{"text":"Even though I know I I've got a really pretty good feel for where you're at now based on our call.","start":2018.0499,"end":2022.71,"sentiment":"positive","sentiment_score":0.39453191132772536},{"text":"I guess, what kind of goals do you set for yourself?","start":2023.6499,"end":2026.7699,"sentiment":"neutral","sentiment_score":0.2046262716705149},{"text":"Do you do you think you can remember the goals that you set twelve months ago and where they fit?","start":2026.7699,"end":2030.7899,"sentiment":"neutral","sentiment_score":0.17295128256082534},{"text":"Yeah.","start":2087.585,"end":2088.085,"sentiment":"positive","sentiment_score":0.3728054165840149},{"text":"Amazing.","start":2088.9448,"end":2089.4448,"sentiment":"positive","sentiment_score":0.5698487758636475}],"sentiment":"neutral","sentiment_score":0.2766247957392975,"num_words":54,"start":2018.0499,"end":2089.4448},{"sentences":[{"text":"So I guess on that so there there are a couple of things, I guess, we could look at doing.","start":2090.545,"end":2094.7249,"sentiment":"neutral","sentiment_score":0.2891041859984398},{"text":"Yes.","start":2095.15,"end":2095.39,"sentiment":"neutral","sentiment_score":0.24302542209625244},{"text":"The income to live off for retirement, that is obviously where the super fund definitely kicks in.","start":2095.39,"end":2099.73,"sentiment":"positive","sentiment_score":0.36237263416542725},{"text":"The option to help your daughter, she's 16 now.","start":2100.19,"end":2102.93,"sentiment":"neutral","sentiment_score":0.2929130925072564},{"text":"There's a few different things we could sort of look at, and I guess some of it does really depend on where that, I guess, savings per week sits and or possibly getting getting a bit of those assets sorry, the debts paid down to to have you, like so you have more disposable income.","start":2104.35,"end":2126.42,"sentiment":"neutral","sentiment_score":0.18602646270936185}],"sentiment":"neutral","sentiment_score":0.24561879612213255,"num_words":102,"start":2090.545,"end":2126.42},{"sentences":[{"text":"And we could look at sort of doing, like, a bit of an investment account that's for her where we could sort of look at maybe, like, a ten year time frame or a five year or two year or whatever the case may be.","start":2128.6401,"end":2139.895,"sentiment":"neutral","sentiment_score":0.10626416454712549},{"text":"We could do sort of a investment account that is it depends on how you wanna structure it.","start":2140.595,"end":2145.5552,"sentiment":"neutral","sentiment_score":0.13930022592345873},{"text":"There's there's what's called, like, a child bond on one side where you put money in.","start":2145.5552,"end":2150.28,"sentiment":"neutral","sentiment_score":0.07664146856404841},{"text":"It has a ten year release time frame.","start":2150.28,"end":2152.7,"sentiment":"neutral","sentiment_score":0.06900005135685205},{"text":"And when that money is released, it is tax paid.","start":2153.72,"end":2156.3801,"sentiment":"neutral","sentiment_score":0.08773787245154381}],"sentiment":"neutral","sentiment_score":0.10252509385193746,"num_words":97,"start":2128.6401,"end":2156.3801},{"sentences":[{"text":"So there's no capital gains for her to pay.","start":2156.4402,"end":2158.7,"sentiment":"neutral","sentiment_score":0.0669457684788439},{"text":"There's no, like, earnings in there's there's no tax on that side because it it'll gets taken care of inside the bond.","start":2159.24,"end":2165.295,"sentiment":"neutral","sentiment_score":0.13471504470164125},{"text":"So when the bond comes up for maturity in ten years, it's it's it's withdraw and go.","start":2165.375,"end":2170.575,"sentiment":"neutral","sentiment_score":0.10353088882916114},{"text":"That's obviously a 26 year old, which realistically, 26 mentally, pretty stable, probably has a bit of an idea as to where she would wanna go.","start":2170.575,"end":2179.59,"sentiment":"neutral","sentiment_score":0.17897875435077226},{"text":"So the money sitting there, you know, could go towards a house deposit, further education, whatever the case may be.","start":2180.47,"end":2186.1702,"sentiment":"neutral","sentiment_score":0.15217960625886917}],"sentiment":"neutral","sentiment_score":0.13854582710786068,"num_words":94,"start":2156.4402,"end":2186.1702},{"sentences":[{"text":"But it depends on what you want the money to be there for.","start":2186.47,"end":2188.79,"sentiment":"neutral","sentiment_score":0.05278273671865463},{"text":"All the other side of things is you could do, like, an investment account under your name.","start":2188.79,"end":2193.6902,"sentiment":"neutral","sentiment_score":0.11171348064261324},{"text":"And the investment account could be specifically set up for her for later.","start":2195.025,"end":2199.765,"sentiment":"neutral","sentiment_score":0.11577789026957291},{"text":"The painful thing about that is that you are the owner of that investment account.","start":2199.9849,"end":2203.285,"sentiment":"negative","sentiment_score":-0.5057550807793935},{"text":"If you sell that on any investments, when you do liquidate the assets, there is a capital gains liability.","start":2204.305,"end":2210.75,"sentiment":"negative","sentiment_score":-0.41786831931064006}],"sentiment":"neutral","sentiment_score":-0.14851177866002183,"num_words":77,"start":2186.47,"end":2210.75},{"sentences":[{"text":"You get personally implicated for the tax side of things, but you could utilize, like, that sort of investment account to specifically set her up for her future, which is very much in line with what you're wanting to do to help her out.","start":2211.93,"end":2224.335,"sentiment":"neutral","sentiment_score":0.006767198189415715},{"text":"So it's, like, sort of a couple options on that.","start":2224.575,"end":2227.155,"sentiment":"neutral","sentiment_score":0.30464034527540207},{"text":"It's kind of like, I guess, a a a step up from, you know, the old Commonwealth Bank DollarMite savings account.","start":2227.455,"end":2235.395,"sentiment":"neutral","sentiment_score":0.14204992389395124},{"text":"Yeah.","start":2235.455,"end":2235.955,"sentiment":"neutral","sentiment_score":0.08881151676177979},{"text":"Yeah.","start":2236.59,"end":2237.09,"sentiment":"neutral","sentiment_score":-0.008296201936900616}],"sentiment":"neutral","sentiment_score":0.08321719337254763,"num_words":77,"start":2211.93,"end":2237.09},{"sentences":[{"text":"So it's, like, kind of a step up from that, where we can kind of invest it a little bit and stuff like that.","start":2237.55,"end":2242.1902,"sentiment":"neutral","sentiment_score":0.2512020741899808},{"text":"But, again, it just kind of depends on where the root of I wanna I want options to help support my daughter really comes from.","start":2242.1902,"end":2249.625,"sentiment":"neutral","sentiment_score":0.09777764499187469},{"text":"Is it is it that I wanna make sure that she's set up and she's gonna be stable for the future, or is it that I wanna make sure that if if her mom loses her job or or, you know, if she does wanna go to uni that I have money available that I can support her in uni so she's not going to have to live off ramen, which, mind you, ramen lifestyle in uni wasn't that bad.","start":2250.505,"end":2271.43,"sentiment":"neutral","sentiment_score":0.15737866126000882},{"text":"Woman after my own heart.","start":2283.675,"end":2284.9749,"sentiment":"neutral","sentiment_score":0.10016976892948151},{"text":"So I can I can sort of look into options along those sides?","start":2286.315,"end":2288.88,"sentiment":"neutral","sentiment_score":0.15213024616241455}],"sentiment":"neutral","sentiment_score":0.16015051599262523,"num_words":147,"start":2237.55,"end":2288.88},{"sentences":[{"text":"Generally speaking, we'd need money to be able to put into it to begin with, though.","start":2288.88,"end":2292.64,"sentiment":"neutral","sentiment_score":-0.01008415303658694},{"text":"So you don't start off with zero and just start with a $100 here here, like, ongoing.","start":2292.64,"end":2297.38,"sentiment":"neutral","sentiment_score":0.027005123303217048},{"text":"You would start with, you know, sort of $510 that you would start as an initial and then add to it if you wanted to.","start":2297.68,"end":2303.715,"sentiment":"neutral","sentiment_score":0.07020350322127342},{"text":"But that those kinds of things are an option, but I think possibly maybe a little bit of a future consideration based on us trying to maybe clear off some of these debts.","start":2304.675,"end":2314.215,"sentiment":"neutral","sentiment_score":-0.04995902480952667},{"text":"Okay.","start":2315.635,"end":2316.0,"sentiment":"neutral","sentiment_score":0.29322922229766846}],"sentiment":"neutral","sentiment_score":0.007580539474830679,"num_words":92,"start":2288.88,"end":2316.0},{"sentences":[{"text":"So I think avenues that I'm looking at is obviously the insurance.","start":2316.24,"end":2319.78,"sentiment":"neutral","sentiment_score":0.11017358116805553},{"text":"I'll look at the super fund on a separate side.","start":2319.84,"end":2322.72,"sentiment":"neutral","sentiment_score":0.06499701365828514},{"text":"I'll look at the remediation for the super fund and get you the referral to my broker, see if we could clean up the the the debts owed and get them paid down a little bit faster or get them, you know, just get them ticking along, get you with some extra residual income, and go from there.","start":2322.72,"end":2343.25,"sentiment":"neutral","sentiment_score":0.10436118400559344},{"text":"And what I'll do is I can work with the I can work with the broker where sort of she they can sort of give the information back to me on, hey.","start":2343.25,"end":2350.71,"sentiment":"neutral","sentiment_score":0.10701105056796223},{"text":"This is where the cash flow sits now.","start":2350.77,"end":2352.13,"sentiment":"neutral","sentiment_score":0.12945540342479944}],"sentiment":"neutral","sentiment_score":0.10404165523747604,"num_words":120,"start":2316.24,"end":2352.13},{"sentences":[{"text":"This is where the cash flow is gonna sit.","start":2352.13,"end":2353.665,"sentiment":"neutral","sentiment_score":0.15355987515714434},{"text":"And I can kind of tie that into my advice that, you know, if we're gonna save a little bit of money, whether maybe we put it back into paying the debts off or whether we can maybe use that to actually set up these these accounts for you.","start":2353.745,"end":2368.965,"sentiment":"neutral","sentiment_score":0.1376851175208481},{"text":"Hi.","start":2370.8901,"end":2371.3901,"sentiment":"positive","sentiment_score":0.46385106444358826},{"text":"Cool.","start":2372.1702,"end":2372.4902,"sentiment":"positive","sentiment_score":0.48569032549858093},{"text":"Alright.","start":2372.4902,"end":2372.81,"sentiment":"neutral","sentiment_score":0.23374991118907928}],"sentiment":"neutral","sentiment_score":0.1526541137060181,"num_words":61,"start":2352.13,"end":2372.81},{"sentences":[{"text":"Well, I'll get that one sent off and going on that side.","start":2372.81,"end":2375.87,"sentiment":"neutral","sentiment_score":0.12048939305047195},{"text":"But I guess in terms of tying off the annual review and going through things, I know you've been a client for a few years now.","start":2376.1702,"end":2382.1902,"sentiment":"neutral","sentiment_score":0.04183491419714231},{"text":"So what what I have is I have a a a pack of documents, and I know you're on the road driving.","start":2382.815,"end":2388.095,"sentiment":"neutral","sentiment_score":0.018430419054559687},{"text":"So you're obviously not gonna be opening and doing things on that side.","start":2388.095,"end":2392.4348,"sentiment":"neutral","sentiment_score":-0.037419066979334906},{"text":"But what I wanna do is I'm gonna send that out to you for you to sort of look over, and you're able to come back to me with any questions.","start":2392.7349,"end":2399.4302,"sentiment":"neutral","sentiment_score":0.15657888473041595}],"sentiment":"neutral","sentiment_score":0.07025526212349248,"num_words":104,"start":2372.81,"end":2399.4302},{"sentences":[{"text":"I will obviously be reaching out to you in the next couple of weeks anyway to have a chat about the few things that we talked about today.","start":2399.4302,"end":2405.6902,"sentiment":"neutral","sentiment_score":0.13746934144624642},{"text":"But the the pack includes, like, the the financial services guide, which sort of details who we are.","start":2407.11,"end":2413.005,"sentiment":"neutral","sentiment_score":0.0488899772365888},{"text":"You've seen a few of them before.","start":2413.005,"end":2415.025,"sentiment":"neutral","sentiment_score":0.0401517642395837},{"text":"It has, you know, our processes and and and fee structures, everything like that included.","start":2416.205,"end":2421.025,"sentiment":"neutral","sentiment_score":0.07598111008604368},{"text":"You've got a overview of your super fund, an overview of your insurance policy, and you've got the ongoing service agreement.","start":2422.125,"end":2430.8599,"sentiment":"neutral","sentiment_score":0.09073715444122042}],"sentiment":"neutral","sentiment_score":0.09051034151670638,"num_words":89,"start":2399.4302,"end":2430.8599},{"sentences":[{"text":"So that is a document that you would sign that authorizes Oaktree Financial to continue servicing you as a client.","start":2430.92,"end":2436.7798,"sentiment":"neutral","sentiment_score":0.1070868968963623},{"text":"That's all included within that pack as well.","start":2437.425,"end":2439.7651,"sentiment":"positive","sentiment_score":0.4272022321820259},{"text":"So once I get off the phone, I will send that through to you.","start":2439.905,"end":2442.5452,"sentiment":"neutral","sentiment_score":0.2290064873439925},{"text":"And then, obviously, when you pull up, stop, and and can sit down, you can go through it properly.","start":2442.5452,"end":2447.845,"sentiment":"neutral","sentiment_score":0.21994620875308388},{"text":"No.","start":2450.75,"end":2450.99,"sentiment":"neutral","sentiment_score":0.2650125026702881}],"sentiment":"neutral","sentiment_score":0.21305543688997144,"num_words":62,"start":2430.92,"end":2450.99},{"sentences":[{"text":"Not a problem at all.","start":2450.99,"end":2451.8699,"sentiment":"positive","sentiment_score":0.4479272484779358},{"text":"Did you have any questions at all for me while we were on the phone?","start":2451.8699,"end":2454.69,"sentiment":"neutral","sentiment_score":0.2088558594385783},{"text":"Perfect.","start":2464.065,"end":2464.385,"sentiment":"positive","sentiment_score":0.7973238825798035},{"text":"Well, I'll get through to it.","start":2464.385,"end":2465.585,"sentiment":"positive","sentiment_score":0.5294085641702017},{"text":"You'll have a few emails coming from me today.","start":2465.585,"end":2469.345,"sentiment":"positive","sentiment_score":0.4110774066713121}],"sentiment":"positive","sentiment_score":0.36238739060031044,"num_words":36,"start":2450.99,"end":2469.345},{"sentences":[{"text":"So, obviously, broker, beneficiary forms, and that that that pack to sign and look at.","start":2469.345,"end":2476.11,"sentiment":"neutral","sentiment_score":0.3174556920925776},{"text":"And, of course, if you have any questions, you'll have my direct contact.","start":2476.59,"end":2479.07,"sentiment":"neutral","sentiment_score":0.2915205772106464},{"text":"You can come straight back and ask anything you might have.","start":2479.07,"end":2481.8901,"sentiment":"neutral","sentiment_score":0.28768816454844043},{"text":"Not wrong at all, Scott.","start":2485.07,"end":2486.1902,"sentiment":"positive","sentiment_score":0.6811843514442444},{"text":"You have a good one.","start":2486.1902,"end":2486.99,"sentiment":"positive","sentiment_score":0.7598653316497803}],"sentiment":"positive","sentiment_score":0.3861514512373477,"num_words":49,"start":2469.345,"end":2486.99},{"sentences":[{"text":"Drive safe, Sydney.","start":2486.99,"end":2487.9702,"sentiment":"positive","sentiment_score":0.5398220419883728},{"text":"Bye.","start":2490.523,"end":2491.023,"sentiment":"neutral","sentiment_score":-0.09604628384113312}],"sentiment":"positive","sentiment_score":0.3808549605309963,"num_words":4,"start":2486.99,"end":2491.023}]}}]},{"alternatives":[{"transcript":"Good, Laura. Sorry. I missed you. I was just trying to get connected, and it dropped out. Okay. Nothing changed at the moment. Everything's going well. The only thing that might be I'm considering is leaving my current employer and perhaps going self employed within the next three to six months potentially. Like, I'm still in the process of putting things together there. So that's that's only a good change in the future, but as it stands at the moment, everything's still tracking as normal. At this stage, I'll basically build the same thing I'm doing now. I'm trying trying to maintain the same amount of ink, but not increase it. The bay I'll probably end up basing if it all goes to plan, would be based in Victoria. Still doing a lot of this remote type work that I'm doing at the moment, so which is a bit ad hoc, but I'm trying maybe trying to grab a bit of time perhaps to, as required, like, twelve hour days and six days a week things that I can get away from that would be a bit better. That's right. Yeah. Well, I'm sort of managing the workshop. I'm still hands on. So I'd still be doing similar. I'll still be staying in the industry, but just perhaps more more out of the public side of things, subcontracting to another another partner, basically, to make the like to do events and and direct through a wholesaler rather than doing retail direct retail work. It is. I do. I still do a lot of like, at the moment, I'm transporting back to New South Wales. But in the last two weeks, start of the month, I was in to Adelaide on an event, and so we did about 8,000 k's in two weeks. So, yeah, still a lot of there's still a lot of on the road type work happening. I've gotta go to Tasmania for another week, early next month. And if things go to plan, I'll probably be doing 12 to 13 events in a year next year. So it's pretty much tripling what I'm doing now. Yeah. Sure. Yes. Yeah. I do. Yes. So so I think, yeah, like I said, I did the meetings I'm having the meetings start within the next two weeks to try and see if this is something that's gonna be viable. I can lock everything down. And then that that'll end up if that all goes well, that'll determine when my when I finish at ProCycles and when I start doing this. So and the actual offer to contract the ProCycles on the where there's other, like, in between events and things like that as well. So I've also got some other dealerships that are sort of interested in that situation as well. So when their staff's away, when their workload's a bit heavier. So so, yeah, I think I think we've got some potential there to make that work. At the moment, I'll probably continue just leaving things as they are as far as the super room goes. And then if it seems to pick up a bit more on advice, obviously, potentially put more money into Super as required to give us a tax benefit and go from there. So but obviously, that'll depend on how things took off. Yep. Yep. Yes. Right. Yeah. That's that's correct. Yeah. Yeah. I don't wanna try to. Yep. Pretty. Yeah. I think I've I've had some payments come back through now. So, hopefully, I'm clearing out a couple of I'm trying to clear up all the five, payment requirements through the month or through the week. So I'm trying to reduce things down a little bit so you can build up in in my bank account just to if I'm gonna make a move. So at the moment, I I think I'd like to I'll probably just leave it as that at the moment, and then look at once we've got yeah. Once we've settled again, then nothing's gonna re reevaluate where I'm at. So at this stage, I don't even just leave it at that at this stage. Yeah. Yep. Yep. Yep. I don't know, actually. No. I haven't checked. So I know the lease is nearly due. So I think it's gonna it's gonna end in October, November, and I think it's a '25 digital. So it's I think yeah. So it's probably gonna be about 15,000 which left over this this year. And then I'll start to either roll that over or pay it out. But if I re laser on, the only thing I'll consider doing is probably rolling this one over and just keep the same vehicle. So I won't be I won't be going to a new vehicle at this stage. Yep. And so I think well, what do you so probably down about 30 now I suspect, because the yeah. Just payment. So one of them is nearly completely paid out. The other one still got a few years ago, and I have to I have to roll over the residual on the on the older one. And I think that's 11 for memory, so that's just kicked off. That is probably still yeah. So I suspect there's probably about 3,000 left going. Sorry. Yeah. Well, it is it is actually well, two of them I'm trying to set myself here. Two of them are are purely used for events for for the events that I do, the right events. So and they keep the service. So one of them's got a bigger fuel range to do more remote tours, and the other one's a smaller one for doing more adventure stuff. It's yeah. So and that's how it justified in my mind. And if anyone else can leave me, I can help that. Yeah. It is. Yeah. Correct. Yeah. 100 percent. Yep. Yep. Exactly. Yep. Yeah. That's that's probably a couple of places to a 100 now, I I would suspect. So the yeah. So I've had some people judging a lot more workshop related equipment. I'm just hands on. So, yeah, I think the value, I'll have to do a proper stock take off and all. I think we'd be close to do a 100 minimums now. So we wanna put this side. Oh, no. Definitely definitely got a snap on that. Yeah. So, yeah, because my my three had it my three had it. So, yeah, so this is I think just try to think off the top of my head. I just picked up a a new room full equipment fee a week ago. So I think my my truck my truck account's probably sitting at, I suspect, around 10 mark at this stage. Yeah. The 10 k sitting sitting with the truck account. And he's yeah. You know, my my two guys pretty happy just having that take over. So about, you know, a couple $100 a week goes into that. Well, it's it's sort of because they're franchises franchisees as well, it's, you know, you you build a relationship with them. So and the and the fact like they because they turn up every week, there's no other tool company that does that. Like, if there was, like, there used to be when I started, you know, ten years ago. We had well, you'd you'd have the sole operators. Like, guys are the van, and they would turn up, and they would compete against Snap on, and they did have cheap a lot more, you know, cheaper options. But they they just fall they've fallen away. They they they were all like a a mature age guy who's doing it as mechanics, things like that. And it has never carried on. Like, once they retired, that was it. They just sell the van, sell the tools, and no one picked up their route or did their thing. Whereas Snap on sort of because it's corporate, we got in touch with strong CI. They do seem to do what they do very well, and and the franchisees are trained, and they support their customers so they build the relationships. So I feel, you know, to me, I'd cost a bit more, but I've got a good relationship. I know the guy's gonna be back every Monday. If there's any problems, he sorts it out. So for me, it's just got a no brainer. And Yeah. Yes. Yeah. Yeah. That's it. Yep. Yeah. Yeah. Correct. Yeah. Yeah. So, unfortunately, all that stuff sort of died off a little bit, and and people take advantage of it as well. So I can understand why it's it's gonna be a bit difficult to get hesitant to give credit and all that sort of things. That's that's $12,000 limit is is zero at the moment. I will I will do some majors. So my my regos and things like that, I've been using a credit card for that and then just, you know, dumping it out. I think it's a sort of a bypass of Afterpay now, so it's sort of got finally, at this at my age, I've probably kicked in the gear that spend what you can pay off in four installments, and it's really good. So I I like it. Yeah. Good good trading field. No. I think it's just I think there should be a personal loan there. That's still ticking over 20, I think, from them. About $20.20. I haven't I haven't checked the statement on it recently, but I suspect it'd be the low twenties. It's just a consolidation loan from a few years ago that's still ticking over. Yeah. Yeah. Yeah. I I have thought about yeah. I have thought about trying to get it all sorted, and that's probably something I need to consider sooner rather than later. The only thing I haven't really done is, it, like, worked out who to go through. I haven't had time to sit down and see if he's offering what at the moment and and try and I guess, I don't know if that's probably something I need to have a look at. Okay. Yep. Okay. Yep. Mhmm. That's correct. Yeah. Correct. Mhmm. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Oh, today I'm I'm driving, so you're obviously getting disturbed. So I could actually talk to speak on the pop up the phone back. Yeah. Drive back up Sydney. So, yeah, it's a good timing. Yep. Yeah. Yeah. Yeah. Okay. Yeah. But but I was I was wasn't gonna ask. I wasn't sure about something that you offered, so I didn't hear it was my thing to ask. That's that's fantastic. If you got someone that you'd recommend, I'd appreciate that greatly. Right. Yep. Yep. Yep. Yep. Yep. Okay. Yep. I'll just take that one time. One video. So that Alright. Thank thank you very much. Yeah. I think that's great. That's that's that's I look forward to doing that. So that's gonna be motivated. Yes. Yep. Alright. Yeah. I got it. Okay. Yep. Mhmm. Yep. Yes. Yep. Yes. That's yeah. I'll inspect. Yeah. Yeah. Oh, you're right. Mhmm. Yep. I thought I okay. I thought we did that before last year. Okay. Alright. We'll do that soon. Yes. Yes. Yeah. I I need to get everything for my my daughter's mother, marital salary. Yep. She's 15. She she's coming at 16. Born in 2010. Yep. Got Yep. Yep. Yeah. Okay. Yeah. Right. Okay. Yep. Yep. Okay. Sure. Yeah. No. No. That's that's okay. That makes sense. So I'm happy. Yeah. Like, you're on you guys. I I believe no issue. I I don't reason I was sort of saying my daughter's mother was Angela was basically, and I thought there would be a tax implication for Alice in the future if she had that money sitting there. But if there's no if there's nothing that's gonna sort of catch her out in the future, then that's fine. I'm I'm happy to have put it under Alice's name. There's no issue there, but I was just more worried that it could affect her once once you while I became an adult and then take control of it, I guess. Yes. Yep. Yep. Yep. Yep. Yep. Yeah. That's yeah. That's just it. Yeah. Okay. Yes. Yeah. Yeah. That's it. Yeah. Okay. Yeah. That that'd be good. That's a good idea. Yeah. Yeah. That's right. Yeah. That's it. Okay. Yep. Yeah. I got Well, let's let's get Allison on that. That's fine. I'm more than happy for that to happen. Thank you for the info on that. That's fine. Yes. And her middle name is Skye, s k y e. And, yeah, it just got my surname Norman. Yeah. Twenty fifty eleven. Unit 25 Winifred Street in. Victoria. I think it's 3199 is the postcode, I think. Yeah. Yeah. Yep. Yep. Yep. Baby. I'll, yeah, I'll do the install and scan, re and all the amounts right back to you. Yep. Yep. Perfect. Mhmm. Yep. Yep. Yeah. Yep. Okay. That works. Thank you for that. I think most of it was just to get obviously, we're looking to try to continue having some sort of income out of a potential retirement, which I don't really have a date for. But the the biggest thing was that making sure my daughter I can financially support my daughter if she needed anything. There's really the main two things. I think we we've seen a certain along with what I was looking to do, like the actual work shift and everything else that I've been talking about just the quality of life thing that, you know, hopefully successful. And I might put myself in a better position long term. But, yes, at the moment, it's just it's just all flawed at this stage. There's nothing in in mind. So nothing's still in concrete at the minute. But, yeah, basically, it's the main thing. Two things are just some income to live off, outside of retirement, and option to help my daughter if she needs something as well. Yes. Yeah. Yeah. Yeah. It's it's an account. Yeah. Yeah. Yep. Yep. Mhmm. Yeah. Yep. Yeah. Yep. That's all she wanted. I was down. We also spent the weekend with her as well. That's all she wanted. Last night after the movie, I've got needles at home. I'm gonna okay. Cool. Yeah. Okay. Yeah. Yeah. Yeah. Yeah. Perfect. I I log in. Yep. Yep. Mhmm. Good. Mhmm. Yep. Yeah. Okay. Yeah. Perfect. Yeah. Love it. It's gonna be great. Yep. Mhmm. Thank you. No. Nothing at the middle. So I'm looking forward to, yeah, what we can do. There's a couple of things we discussed. I think that's definitely, it sounds very positive. Fantastic. Thank you so much for your time. Will do. You too. Thanks. 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Laura. Sorry. I missed you. I was just trying to get connected, and it dropped out. Okay.\n\nNothing changed at the moment. Everything's going well. The only thing that might be I'm considering is leaving my current employer and perhaps going self employed within the next three to six months potentially. Like, I'm still in the process of putting things together there. So that's that's only a good change in the future, but as it stands at the moment, everything's still tracking as normal.\n\nAt this stage, I'll basically build the same thing I'm doing now. I'm trying trying to maintain the same amount of ink, but not increase it. The bay I'll probably end up basing if it all goes to plan, would be based in Victoria. Still doing a lot of this remote type work that I'm doing at the moment, so which is a bit ad hoc, but I'm trying maybe trying to grab a bit of time perhaps to, as required, like, twelve hour days and six days a week things that I can get away from that would be a bit better. That's right.\n\nYeah. Well, I'm sort of managing the workshop. I'm still hands on. So I'd still be doing similar. I'll still be staying in the industry, but just perhaps more more out of the public side of things, subcontracting to another another partner, basically, to make the like to do events and and direct through a wholesaler rather than doing retail direct retail work.\n\nIt is. I do. I still do a lot of like, at the moment, I'm transporting back to New South Wales. But in the last two weeks, start of the month, I was in to Adelaide on an event, and so we did about 8,000 k's in two weeks. So, yeah, still a lot of there's still a lot of on the road type work happening.\n\nI've gotta go to Tasmania for another week, early next month. And if things go to plan, I'll probably be doing 12 to 13 events in a year next year. So it's pretty much tripling what I'm doing now. Yeah. Sure.\n\nYes. Yeah. I do. Yes. So so I think, yeah, like I said, I did the meetings I'm having the meetings start within the next two weeks to try and see if this is something that's gonna be viable.\n\nI can lock everything down. And then that that'll end up if that all goes well, that'll determine when my when I finish at ProCycles and when I start doing this. So and the actual offer to contract the ProCycles on the where there's other, like, in between events and things like that as well. So I've also got some other dealerships that are sort of interested in that situation as well. So when their staff's away, when their workload's a bit heavier.\n\nSo so, yeah, I think I think we've got some potential there to make that work. At the moment, I'll probably continue just leaving things as they are as far as the super room goes. And then if it seems to pick up a bit more on advice, obviously, potentially put more money into Super as required to give us a tax benefit and go from there. So but obviously, that'll depend on how things took off. Yep.\n\nYep. Yes. Right. Yeah. That's that's correct.\n\nYeah. Yeah. I don't wanna try to. Yep. Pretty.\n\nYeah. I think I've I've had some payments come back through now. So, hopefully, I'm clearing out a couple of I'm trying to clear up all the five, payment requirements through the month or through the week. So I'm trying to reduce things down a little bit so you can build up in in my bank account just to if I'm gonna make a move. So at the moment, I I think I'd like to I'll probably just leave it as that at the moment, and then look at once we've got yeah.\n\nOnce we've settled again, then nothing's gonna re reevaluate where I'm at. So at this stage, I don't even just leave it at that at this stage. Yeah. Yep. Yep.\n\nYep. I don't know, actually. No. I haven't checked. So I know the lease is nearly due.\n\nSo I think it's gonna it's gonna end in October, November, and I think it's a '25 digital. So it's I think yeah. So it's probably gonna be about 15,000 which left over this this year. And then I'll start to either roll that over or pay it out. But if I re laser on, the only thing I'll consider doing is probably rolling this one over and just keep the same vehicle.\n\nSo I won't be I won't be going to a new vehicle at this stage. Yep. And so I think well, what do you so probably down about 30 now I suspect, because the yeah. Just payment. So one of them is nearly completely paid out.\n\nThe other one still got a few years ago, and I have to I have to roll over the residual on the on the older one. And I think that's 11 for memory, so that's just kicked off. That is probably still yeah. So I suspect there's probably about 3,000 left going. Sorry.\n\nYeah. Well, it is it is actually well, two of them I'm trying to set myself here. Two of them are are purely used for events for for the events that I do, the right events. So and they keep the service. So one of them's got a bigger fuel range to do more remote tours, and the other one's a smaller one for doing more adventure stuff.\n\nIt's yeah. So and that's how it justified in my mind. And if anyone else can leave me, I can help that. Yeah. It is.\n\nYeah. Correct. Yeah. 100 percent. Yep.\n\nYep. Exactly. Yep. Yeah. That's that's probably a couple of places to a 100 now, I I would suspect.\n\nSo the yeah. So I've had some people judging a lot more workshop related equipment. I'm just hands on. So, yeah, I think the value, I'll have to do a proper stock take off and all. I think we'd be close to do a 100 minimums now.\n\nSo we wanna put this side. Oh, no. Definitely definitely got a snap on that. Yeah. So, yeah, because my my three had it my three had it.\n\nSo, yeah, so this is I think just try to think off the top of my head. I just picked up a a new room full equipment fee a week ago. So I think my my truck my truck account's probably sitting at, I suspect, around 10 mark at this stage. Yeah. The 10 k sitting sitting with the truck account.\n\nAnd he's yeah. You know, my my two guys pretty happy just having that take over. So about, you know, a couple $100 a week goes into that. Well, it's it's sort of because they're franchises franchisees as well, it's, you know, you you build a relationship with them. So and the and the fact like they because they turn up every week, there's no other tool company that does that.\n\nLike, if there was, like, there used to be when I started, you know, ten years ago. We had well, you'd you'd have the sole operators. Like, guys are the van, and they would turn up, and they would compete against Snap on, and they did have cheap a lot more, you know, cheaper options. But they they just fall they've fallen away. They they they were all like a a mature age guy who's doing it as mechanics, things like that.\n\nAnd it has never carried on. Like, once they retired, that was it. They just sell the van, sell the tools, and no one picked up their route or did their thing. Whereas Snap on sort of because it's corporate, we got in touch with strong CI. They do seem to do what they do very well, and and the franchisees are trained, and they support their customers so they build the relationships.\n\nSo I feel, you know, to me, I'd cost a bit more, but I've got a good relationship. I know the guy's gonna be back every Monday. If there's any problems, he sorts it out. So for me, it's just got a no brainer. And Yeah.\n\nYes. Yeah. Yeah. That's it. Yep.\n\nYeah. Yeah. Correct. Yeah. Yeah.\n\nSo, unfortunately, all that stuff sort of died off a little bit, and and people take advantage of it as well. So I can understand why it's it's gonna be a bit difficult to get hesitant to give credit and all that sort of things. That's that's $12,000 limit is is zero at the moment. I will I will do some majors. So my my regos and things like that, I've been using a credit card for that and then just, you know, dumping it out.\n\nI think it's a sort of a bypass of Afterpay now, so it's sort of got finally, at this at my age, I've probably kicked in the gear that spend what you can pay off in four installments, and it's really good. So I I like it. Yeah. Good good trading field. No.\n\nI think it's just I think there should be a personal loan there. That's still ticking over 20, I think, from them. About $20.20. I haven't I haven't checked the statement on it recently, but I suspect it'd be the low twenties. It's just a consolidation loan from a few years ago that's still ticking over.\n\nYeah. Yeah. Yeah. I I have thought about yeah. I have thought about trying to get it all sorted, and that's probably something I need to consider sooner rather than later.\n\nThe only thing I haven't really done is, it, like, worked out who to go through. I haven't had time to sit down and see if he's offering what at the moment and and try and I guess, I don't know if that's probably something I need to have a look at. Okay. Yep. Okay.\n\nYep. Mhmm. That's correct. Yeah. Correct.\n\nMhmm. Yeah. Yep. Yep. Yep.\n\nYep. Yep. Yep. Oh, today I'm I'm driving, so you're obviously getting disturbed. So I could actually talk to speak on the pop up the phone back.\n\nYeah. Drive back up Sydney. So, yeah, it's a good timing. Yep. Yeah.\n\nYeah. Yeah. Okay. Yeah. But but I was I was wasn't gonna ask.\n\nI wasn't sure about something that you offered, so I didn't hear it was my thing to ask. That's that's fantastic. If you got someone that you'd recommend, I'd appreciate that greatly. Right. Yep.\n\nYep. Yep. Yep. Yep. Okay.\n\nYep. I'll just take that one time. One video. So that Alright. Thank thank you very much.\n\nYeah. I think that's great. That's that's that's I look forward to doing that. So that's gonna be motivated. Yes.\n\nYep. Alright. Yeah. I got it. Okay.\n\nYep. Mhmm. Yep. Yes. Yep.\n\nYes. That's yeah. I'll inspect. Yeah. Yeah.\n\nOh, you're right. Mhmm. Yep. I thought I okay. I thought we did that before last year.\n\nOkay. Alright. We'll do that soon. Yes. Yes.\n\nYeah. I I need to get everything for my my daughter's mother, marital salary. Yep. She's 15. She she's coming at 16.\n\nBorn in 2010. Yep. Got Yep. Yep. Yeah.\n\nOkay. Yeah. Right. Okay. Yep.\n\nYep. Okay. Sure. Yeah. No.\n\nNo. That's that's okay. That makes sense. So I'm happy. Yeah.\n\nLike, you're on you guys. I I believe no issue. I I don't reason I was sort of saying my daughter's mother was Angela was basically, and I thought there would be a tax implication for Alice in the future if she had that money sitting there. But if there's no if there's nothing that's gonna sort of catch her out in the future, then that's fine. I'm I'm happy to have put it under Alice's name.\n\nThere's no issue there, but I was just more worried that it could affect her once once you while I became an adult and then take control of it, I guess. Yes. Yep. Yep. Yep.\n\nYep. Yep. Yeah. That's yeah. That's just it.\n\nYeah. Okay. Yes. Yeah. Yeah.\n\nThat's it. Yeah. Okay. Yeah. That that'd be good.\n\nThat's a good idea. Yeah. Yeah. That's right. Yeah.\n\nThat's it. Okay. Yep. Yeah. I got Well, let's let's get Allison on that.\n\nThat's fine. I'm more than happy for that to happen. Thank you for the info on that. That's fine. Yes.\n\nAnd her middle name is Skye, s k y e. And, yeah, it just got my surname Norman. Yeah. Twenty fifty eleven. Unit 25 Winifred Street in.\n\nVictoria. I think it's 3199 is the postcode, I think. Yeah. Yeah. Yep.\n\nYep. Yep. Baby. I'll, yeah, I'll do the install and scan, re and all the amounts right back to you. Yep.\n\nYep. Perfect. Mhmm. Yep. Yep.\n\nYeah. Yep. Okay. That works. Thank you for that.\n\nI think most of it was just to get obviously, we're looking to try to continue having some sort of income out of a potential retirement, which I don't really have a date for. But the the biggest thing was that making sure my daughter I can financially support my daughter if she needed anything. There's really the main two things. I think we we've seen a certain along with what I was looking to do, like the actual work shift and everything else that I've been talking about just the quality of life thing that, you know, hopefully successful. And I might put myself in a better position long term.\n\nBut, yes, at the moment, it's just it's just all flawed at this stage. There's nothing in in mind. So nothing's still in concrete at the minute. But, yeah, basically, it's the main thing. Two things are just some income to live off, outside of retirement, and option to help my daughter if she needs something as well.\n\nYes. Yeah. Yeah. Yeah. It's it's an account.\n\nYeah. Yeah. Yep. Yep. Mhmm.\n\nYeah. Yep. Yeah. Yep. That's all she wanted.\n\nI was down. We also spent the weekend with her as well. That's all she wanted. Last night after the movie, I've got needles at home. I'm gonna okay.\n\nCool. Yeah. Okay. Yeah. Yeah.\n\nYeah. Yeah. Perfect. I I log in. Yep.\n\nYep. Mhmm. Good. Mhmm. Yep.\n\nYeah. Okay. Yeah. Perfect. Yeah.\n\nLove it. It's gonna be great. Yep. Mhmm. Thank you.\n\nNo. Nothing at the middle. So I'm looking forward to, yeah, what we can do. There's a couple of things we discussed. I think that's definitely, it sounds very positive.\n\nFantastic. Thank you so much for your time. Will do. You too. Thanks.\n\nTalk to you.","paragraphs":[{"sentences":[{"text":"Good, Laura.","start":5.04,"end":5.6,"sentiment":"positive","sentiment_score":0.446498841047287},{"text":"Sorry.","start":5.6,"end":5.76,"sentiment":"neutral","sentiment_score":0.10649537295103072},{"text":"I missed you.","start":5.76,"end":6.24,"sentiment":"neutral","sentiment_score":-0.054675561686356865},{"text":"I was just trying to get connected, and it dropped out.","start":6.24,"end":9.3,"sentiment":"neutral","sentiment_score":-0.07167314941232855},{"text":"Okay.","start":40.29,"end":40.79,"sentiment":"neutral","sentiment_score":0.04970977455377579}],"sentiment":"neutral","sentiment_score":0.005376194500260883,"num_words":18,"start":5.04,"end":40.79},{"sentences":[{"text":"Nothing changed at the moment.","start":56.324997,"end":58.21,"sentiment":"neutral","sentiment_score":-0.13623172789812088},{"text":"Everything's going well.","start":58.21,"end":59.51,"sentiment":"neutral","sentiment_score":0.13864530126253763},{"text":"The only thing that might be I'm considering is leaving my current employer and perhaps going self employed within the next three to six months potentially.","start":61.09,"end":72.555,"sentiment":"neutral","sentiment_score":-0.1320502096070693},{"text":"Like, I'm still in the process of putting things together there.","start":72.555,"end":75.755,"sentiment":"neutral","sentiment_score":-0.09624967148358171},{"text":"So that's that's only a good change in the future, but as it stands at the moment, everything's still tracking as normal.","start":75.755,"end":81.615,"sentiment":"neutral","sentiment_score":-0.09773815169253132}],"sentiment":"neutral","sentiment_score":-0.10309722252301316,"num_words":67,"start":56.324997,"end":81.615},{"sentences":[{"text":"At this stage, I'll basically build the same thing I'm doing now.","start":94.41,"end":97.61,"sentiment":"neutral","sentiment_score":-0.0019393813175459702},{"text":"I'm trying trying to maintain the same amount of ink, but not increase it.","start":97.61,"end":101.604996,"sentiment":"neutral","sentiment_score":0.00987422572714942},{"text":"The bay I'll probably end up basing if it all goes to plan, would be based in Victoria.","start":103.905,"end":108.965,"sentiment":"neutral","sentiment_score":-0.008485794765874743},{"text":"Still doing a lot of this remote type work that I'm doing at the moment, so which is a bit ad hoc, but I'm trying maybe trying to grab a bit of time perhaps to, as required, like, twelve hour days and six days a week things that I can get away from that would be a bit better.","start":109.905,"end":126.735,"sentiment":"neutral","sentiment_score":-0.06188169020717427},{"text":"That's right.","start":136.335,"end":137.075,"sentiment":"neutral","sentiment_score":0.2143777310848236}],"sentiment":"neutral","sentiment_score":-0.031048018871141333,"num_words":105,"start":94.41,"end":137.075},{"sentences":[{"text":"Yeah.","start":146.24,"end":146.4,"sentiment":"neutral","sentiment_score":0.09211599826812744},{"text":"Well, I'm sort of managing the workshop.","start":146.4,"end":148.02,"sentiment":"neutral","sentiment_score":0.08249627692358834},{"text":"I'm still hands on.","start":148.16,"end":149.45999,"sentiment":"neutral","sentiment_score":0.10978597402572632},{"text":"So I'd still be doing similar.","start":150.72,"end":152.0,"sentiment":"neutral","sentiment_score":0.12995572884877524},{"text":"I'll still be staying in the industry, but just perhaps more more out of the public side of things, subcontracting to another another partner, basically, to make the like to do events and and direct through a wholesaler rather than doing retail direct retail work.","start":152.0,"end":170.54999,"sentiment":"neutral","sentiment_score":0.0722262436317073}],"sentiment":"neutral","sentiment_score":0.08156585983104175,"num_words":63,"start":146.24,"end":170.54999},{"sentences":[{"text":"It is.","start":181.09,"end":181.56999,"sentiment":"neutral","sentiment_score":0.12232539430260658},{"text":"I do.","start":181.56999,"end":182.12999,"sentiment":"neutral","sentiment_score":0.15777278691530228},{"text":"I still do a lot of like, at the moment, I'm transporting back to New South Wales.","start":182.12999,"end":189.55501,"sentiment":"neutral","sentiment_score":0.08811337347416316},{"text":"But in the last two weeks, start of the month, I was in to Adelaide on an event, and so we did about 8,000 k's in two weeks.","start":190.575,"end":199.71,"sentiment":"neutral","sentiment_score":0.06818900270653623},{"text":"So, yeah, still a lot of there's still a lot of on the road type work happening.","start":200.51001,"end":204.45001,"sentiment":"neutral","sentiment_score":0.041759002679849375}],"sentiment":"neutral","sentiment_score":0.07086846716419766,"num_words":66,"start":181.09,"end":204.45001},{"sentences":[{"text":"I've gotta go to Tasmania for another week, early next month.","start":205.31001,"end":209.17001,"sentiment":"neutral","sentiment_score":0.06489870087666945},{"text":"And if things go to plan, I'll probably be doing 12 to 13 events in a year next year.","start":210.99,"end":218.825,"sentiment":"neutral","sentiment_score":0.08142572935474546},{"text":"So it's pretty much tripling what I'm doing now.","start":218.825,"end":221.885,"sentiment":"neutral","sentiment_score":0.08643009844753477},{"text":"Yeah.","start":238.26999,"end":238.76999,"sentiment":"neutral","sentiment_score":0.08930225670337677},{"text":"Sure.","start":248.655,"end":249.05501,"sentiment":"neutral","sentiment_score":0.05578407645225525}],"sentiment":"neutral","sentiment_score":0.0776568728430969,"num_words":41,"start":205.31001,"end":249.05501},{"sentences":[{"text":"Yes.","start":249.05501,"end":249.55501,"sentiment":"neutral","sentiment_score":0.042283911257982254},{"text":"Yeah.","start":252.815,"end":253.315,"sentiment":"neutral","sentiment_score":0.09750626236200333},{"text":"I do.","start":255.91,"end":256.31,"sentiment":"neutral","sentiment_score":0.1205238401889801},{"text":"Yes.","start":256.31,"end":256.71,"sentiment":"neutral","sentiment_score":0.12960486114025116},{"text":"So so I think, yeah, like I said, I did the meetings I'm having the meetings start within the next two weeks to try and see if this is something that's gonna be viable.","start":256.71,"end":266.165,"sentiment":"neutral","sentiment_score":0.15298223364002564}],"sentiment":"neutral","sentiment_score":0.14645740151023254,"num_words":39,"start":249.05501,"end":266.165},{"sentences":[{"text":"I can lock everything down.","start":266.165,"end":267.705,"sentiment":"neutral","sentiment_score":0.16851572096347808},{"text":"And then that that'll end up if that all goes well, that'll determine when my when I finish at ProCycles and when I start doing this.","start":268.565,"end":276.405,"sentiment":"neutral","sentiment_score":0.21508316237192887},{"text":"So and the actual offer to contract the ProCycles on the where there's other, like, in between events and things like that as well.","start":276.405,"end":286.09,"sentiment":"neutral","sentiment_score":0.11411015161623557},{"text":"So I've also got some other dealerships that are sort of interested in that situation as well.","start":286.09,"end":292.33002,"sentiment":"neutral","sentiment_score":0.17253402927342584},{"text":"So when their staff's away, when their workload's a bit heavier.","start":292.33002,"end":295.095,"sentiment":"neutral","sentiment_score":-0.00257330523295836}],"sentiment":"neutral","sentiment_score":0.14551995910075774,"num_words":83,"start":266.165,"end":295.095},{"sentences":[{"text":"So so, yeah, I think I think we've got some potential there to make that work.","start":295.255,"end":299.355,"sentiment":"neutral","sentiment_score":0.3212680406868458},{"text":"At the moment, I'll probably continue just leaving things as they are as far as the super room goes.","start":299.815,"end":304.695,"sentiment":"neutral","sentiment_score":-0.016136542158691508},{"text":"And then if it seems to pick up a bit more on advice, obviously, potentially put more money into Super as required to give us a tax benefit and go from there.","start":304.695,"end":317.72,"sentiment":"neutral","sentiment_score":-0.027961938176304102},{"text":"So but obviously, that'll depend on how things took off.","start":317.72,"end":321.585,"sentiment":"neutral","sentiment_score":-0.04310226747766137},{"text":"Yep.","start":332.94498,"end":333.44498,"sentiment":"neutral","sentiment_score":0.08231289684772491}],"sentiment":"neutral","sentiment_score":0.046028237825689405,"num_words":78,"start":295.255,"end":333.44498},{"sentences":[{"text":"Yep.","start":333.505,"end":333.93,"sentiment":"neutral","sentiment_score":0.0861823782324791},{"text":"Yes.","start":344.97,"end":345.47,"sentiment":"neutral","sentiment_score":0.059150729328393936},{"text":"Right.","start":345.61,"end":346.11,"sentiment":"neutral","sentiment_score":0.043572187423706055},{"text":"Yeah.","start":351.685,"end":351.925,"sentiment":"neutral","sentiment_score":0.06625356525182724},{"text":"That's that's correct.","start":351.925,"end":352.985,"sentiment":"neutral","sentiment_score":0.14772067467371622}],"sentiment":"neutral","sentiment_score":0.09976012632250786,"num_words":7,"start":333.505,"end":352.985},{"sentences":[{"text":"Yeah.","start":353.285,"end":353.76498,"sentiment":"neutral","sentiment_score":0.13201622664928436},{"text":"Yeah.","start":353.76498,"end":354.005,"sentiment":"neutral","sentiment_score":0.01220622844994068},{"text":"I don't wanna try to.","start":354.005,"end":355.305,"sentiment":"neutral","sentiment_score":-0.15164248645305634},{"text":"Yep.","start":362.26,"end":362.76,"sentiment":"neutral","sentiment_score":0.09834890812635422},{"text":"Pretty.","start":377.06,"end":377.56,"sentiment":"neutral","sentiment_score":0.1590313017368317}],"sentiment":"neutral","sentiment_score":-0.03962330747809675,"num_words":9,"start":353.285,"end":377.56},{"sentences":[{"text":"Yeah.","start":377.82498,"end":377.985,"sentiment":"neutral","sentiment_score":0.11639172583818436},{"text":"I think I've I've had some payments come back through now.","start":377.985,"end":380.945,"sentiment":"neutral","sentiment_score":0.04300755537538366},{"text":"So, hopefully, I'm clearing out a couple of I'm trying to clear up all the five, payment requirements through the month or through the week.","start":380.945,"end":390.305,"sentiment":"neutral","sentiment_score":0.20601315587759017},{"text":"So I'm trying to reduce things down a little bit so you can build up in in my bank account just to if I'm gonna make a move.","start":390.305,"end":397.06,"sentiment":"neutral","sentiment_score":0.22179597429931164},{"text":"So at the moment, I I think I'd like to I'll probably just leave it as that at the moment, and then look at once we've got yeah.","start":398.63998,"end":405.68,"sentiment":"neutral","sentiment_score":0.07447608573628324}],"sentiment":"neutral","sentiment_score":0.15091850981617005,"num_words":93,"start":377.82498,"end":405.68},{"sentences":[{"text":"Once we've settled again, then nothing's gonna re reevaluate where I'm at.","start":405.68,"end":410.435,"sentiment":"neutral","sentiment_score":-0.056473602851231895},{"text":"So at this stage, I don't even just leave it at that at this stage.","start":410.495,"end":413.395,"sentiment":"neutral","sentiment_score":-0.2706311702728271},{"text":"Yeah.","start":423.56,"end":424.06,"sentiment":"neutral","sentiment_score":0.14295542240142822},{"text":"Yep.","start":446.04498,"end":446.54498,"sentiment":"neutral","sentiment_score":0.033771954476833344},{"text":"Yep.","start":447.02,"end":447.52,"sentiment":"neutral","sentiment_score":0.007656003348529339}],"sentiment":"neutral","sentiment_score":-0.15175891360267996,"num_words":30,"start":405.68,"end":447.52},{"sentences":[{"text":"Yep.","start":457.42,"end":457.92,"sentiment":"neutral","sentiment_score":-0.08566656708717346},{"text":"I don't know, actually.","start":458.94,"end":460.62,"sentiment":"neutral","sentiment_score":-0.13869663700461388},{"text":"No.","start":460.62,"end":460.78,"sentiment":"neutral","sentiment_score":-0.2105211317539215},{"text":"I haven't checked.","start":460.78,"end":461.385,"sentiment":"neutral","sentiment_score":-0.17124373217423758},{"text":"So I know the lease is nearly due.","start":461.70502,"end":463.725,"sentiment":"neutral","sentiment_score":-0.13819444924592972}],"sentiment":"neutral","sentiment_score":-0.14530947278527653,"num_words":17,"start":457.42,"end":463.725},{"sentences":[{"text":"So I think it's gonna it's gonna end in October, November, and I think it's a '25 digital.","start":465.225,"end":472.125,"sentiment":"neutral","sentiment_score":-0.020902389453517065},{"text":"So it's I think yeah.","start":472.345,"end":474.345,"sentiment":"neutral","sentiment_score":-0.03013741672039032},{"text":"So it's probably gonna be about 15,000 which left over this this year.","start":474.345,"end":480.19998,"sentiment":"neutral","sentiment_score":-0.08016456835545026},{"text":"And then I'll start to either roll that over or pay it out.","start":480.74,"end":484.12,"sentiment":"neutral","sentiment_score":-0.0448359831307943},{"text":"But if I re laser on, the only thing I'll consider doing is probably rolling this one over and just keep the same vehicle.","start":491.76498,"end":497.385,"sentiment":"neutral","sentiment_score":-0.0984628430257241}],"sentiment":"neutral","sentiment_score":-0.06184993829731256,"num_words":73,"start":465.225,"end":497.385},{"sentences":[{"text":"So I won't be I won't be going to a new vehicle at this stage.","start":497.845,"end":501.945,"sentiment":"neutral","sentiment_score":-0.23231555819511412},{"text":"Yep.","start":511.57,"end":512.07,"sentiment":"neutral","sentiment_score":0.01875276304781437},{"text":"And so I think well, what do you so probably down about 30 now I suspect, because the yeah.","start":512.45,"end":522.265,"sentiment":"neutral","sentiment_score":-0.058627345354149214},{"text":"Just payment.","start":522.265,"end":523.145,"sentiment":"neutral","sentiment_score":-0.09044018015265465},{"text":"So one of them is nearly completely paid out.","start":523.145,"end":525.885,"sentiment":"neutral","sentiment_score":-0.11023614472813076}],"sentiment":"neutral","sentiment_score":-0.12506317031448302,"num_words":46,"start":497.845,"end":525.885},{"sentences":[{"text":"The other one still got a few years ago, and I have to I have to roll over the residual on the on the older one.","start":526.905,"end":532.765,"sentiment":"neutral","sentiment_score":-0.10310982855466697},{"text":"And I think that's 11 for memory, so that's just kicked off.","start":533.625,"end":536.76996,"sentiment":"neutral","sentiment_score":-0.08828649964804451},{"text":"That is probably still yeah.","start":536.76996,"end":538.13,"sentiment":"neutral","sentiment_score":-0.07140458300709725},{"text":"So I suspect there's probably about 3,000 left going.","start":538.13,"end":541.91,"sentiment":"neutral","sentiment_score":-0.018134767344842356},{"text":"Sorry.","start":545.32996,"end":545.82996,"sentiment":"neutral","sentiment_score":0.036643169820308685}],"sentiment":"neutral","sentiment_score":-0.07969596583993649,"num_words":53,"start":526.905,"end":545.82996},{"sentences":[{"text":"Yeah.","start":551.755,"end":552.255,"sentiment":"positive","sentiment_score":0.3630233108997345},{"text":"Well, it is it is actually well, two of them I'm trying to set myself here.","start":563.97003,"end":567.59,"sentiment":"neutral","sentiment_score":0.09896407928317785},{"text":"Two of them are are purely used for events for for the events that I do, the right events.","start":567.73,"end":572.93,"sentiment":"neutral","sentiment_score":0.07257066569045971},{"text":"So and they keep the service.","start":572.93,"end":574.69,"sentiment":"neutral","sentiment_score":0.06869508946935336},{"text":"So one of them's got a bigger fuel range to do more remote tours, and the other one's a smaller one for doing more adventure stuff.","start":574.69,"end":581.345,"sentiment":"neutral","sentiment_score":0.07791972303619751}],"sentiment":"neutral","sentiment_score":0.08475550828392014,"num_words":68,"start":551.755,"end":581.345},{"sentences":[{"text":"It's yeah.","start":581.345,"end":581.90497,"sentiment":"neutral","sentiment_score":0.0944579504430294},{"text":"So and that's how it justified in my mind.","start":581.90497,"end":584.545,"sentiment":"neutral","sentiment_score":0.1479213618569904},{"text":"And if anyone else can leave me, I can help that.","start":584.545,"end":587.02496,"sentiment":"neutral","sentiment_score":0.08561398122798312},{"text":"Yeah.","start":587.02496,"end":587.52496,"sentiment":"neutral","sentiment_score":0.02994159236550331},{"text":"It is.","start":591.505,"end":591.985,"sentiment":"neutral","sentiment_score":-0.008868540171533823}],"sentiment":"neutral","sentiment_score":0.0989666585251689,"num_words":25,"start":581.345,"end":591.985},{"sentences":[{"text":"Yeah.","start":591.985,"end":592.485,"sentiment":"neutral","sentiment_score":-0.0029472773894667625},{"text":"Correct.","start":593.825,"end":594.305,"sentiment":"neutral","sentiment_score":0.028796330094337463},{"text":"Yeah.","start":594.305,"end":594.57,"sentiment":"neutral","sentiment_score":0.014125877059996128},{"text":"100 percent.","start":594.73,"end":596.11,"sentiment":"neutral","sentiment_score":0.01509709283709526},{"text":"Yep.","start":596.17,"end":596.67,"sentiment":"neutral","sentiment_score":-0.0013739026617258787}],"sentiment":"neutral","sentiment_score":0.011465868796221912,"num_words":6,"start":591.985,"end":596.67},{"sentences":[{"text":"Yep.","start":597.53,"end":598.03,"sentiment":"neutral","sentiment_score":0.008502916432917118},{"text":"Exactly.","start":598.09,"end":598.59,"sentiment":"neutral","sentiment_score":0.05123987793922424},{"text":"Yep.","start":602.65,"end":603.15,"sentiment":"neutral","sentiment_score":0.01210293546319008},{"text":"Yeah.","start":605.13,"end":605.63,"sentiment":"neutral","sentiment_score":0.04445286840200424},{"text":"That's that's probably a couple of places to a 100 now, I I would 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today I'm I'm driving, so you're obviously getting disturbed.","start":1038.5549,"end":1041.2749,"sentiment":"neutral","sentiment_score":-0.012363813817501068},{"text":"So I could actually talk to speak on the pop up the phone back.","start":1041.2749,"end":1044.6349,"sentiment":"neutral","sentiment_score":0.0036468424534957323}],"sentiment":"neutral","sentiment_score":-0.0006128765375318902,"num_words":27,"start":1009.535,"end":1044.6349},{"sentences":[{"text":"Yeah.","start":1044.6349,"end":1044.955,"sentiment":"neutral","sentiment_score":0.01489795744419098},{"text":"Drive back up Sydney.","start":1044.955,"end":1045.7766,"sentiment":"neutral","sentiment_score":0.018748685717582703},{"text":"So, yeah, it's a good 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greatly.","start":1082.53,"end":1086.31,"sentiment":"positive","sentiment_score":0.576325535774231},{"text":"Right.","start":1096.7151,"end":1097.2151,"sentiment":"neutral","sentiment_score":0.15727239847183228},{"text":"Yep.","start":1103.6799,"end":1104.1799,"sentiment":"neutral","sentiment_score":0.14009854197502136}],"sentiment":"neutral","sentiment_score":0.2807841513935915,"num_words":34,"start":1077.73,"end":1104.1799},{"sentences":[{"text":"Yep.","start":1110.72,"end":1110.7999,"sentiment":"neutral","sentiment_score":0.11678306758403778},{"text":"Yep.","start":1110.7999,"end":1111.2999,"sentiment":"neutral","sentiment_score":0.08909701555967331},{"text":"Yep.","start":1111.6,"end":1112.1,"sentiment":"neutral","sentiment_score":0.08159449696540833},{"text":"Yep.","start":1112.1599,"end":1112.32,"sentiment":"neutral","sentiment_score":0.08246558159589767},{"text":"Okay.","start":1112.32,"end":1112.82,"sentiment":"neutral","sentiment_score":0.11426812410354614}],"sentiment":"neutral","sentiment_score":0.09684165716171264,"num_words":5,"start":1110.72,"end":1112.82},{"sentences":[{"text":"Yep.","start":1113.2,"end":1113.6,"sentiment":"neutral","sentiment_score":0.15060265362262726},{"text":"I'll just take that one time.","start":1113.6,"end":1114.64,"sentiment":"neutral","sentiment_score":0.20199517409006754},{"text":"One video.","start":1114.64,"end":1115.2799,"sentiment":"neutral","sentiment_score":0.07008682377636433},{"text":"So that Alright.","start":1115.2799,"end":1123.705,"sentiment":"neutral","sentiment_score":0.11205150683720906},{"text":"Thank thank you very much.","start":1123.765,"end":1124.725,"sentiment":"positive","sentiment_score":0.38386245965957644}],"sentiment":"neutral","sentiment_score":0.22107142144266298,"num_words":17,"start":1113.2,"end":1124.725},{"sentences":[{"text":"Yeah.","start":1124.725,"end":1124.885,"sentiment":"positive","sentiment_score":0.4946475625038147},{"text":"I think that's great.","start":1124.885,"end":1125.765,"sentiment":"positive","sentiment_score":0.755214124917984},{"text":"That's that's that's I look forward to doing 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I log 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it.","start":2369.78,"end":2370.5999,"sentiment":"positive","sentiment_score":0.7377608120441437},{"text":"It's gonna be great.","start":2370.66,"end":2371.64,"sentiment":"positive","sentiment_score":0.5326482579112053},{"text":"Yep.","start":2415.485,"end":2415.985,"sentiment":"neutral","sentiment_score":0.06326279044151306},{"text":"Mhmm.","start":2437.275,"end":2437.775,"sentiment":"neutral","sentiment_score":0.011914542876183988},{"text":"Thank you.","start":2448.395,"end":2450.19,"sentiment":"positive","sentiment_score":0.662104606628418}],"sentiment":"positive","sentiment_score":0.5005501202307642,"num_words":10,"start":2369.78,"end":2450.19},{"sentences":[{"text":"No.","start":2455.15,"end":2455.39,"sentiment":"neutral","sentiment_score":0.04300762712955475},{"text":"Nothing at the middle.","start":2455.39,"end":2456.27,"sentiment":"neutral","sentiment_score":0.035951726138591766},{"text":"So I'm looking forward to, yeah, what we can do.","start":2456.27,"end":2458.75,"sentiment":"positive","sentiment_score":0.3802509933710098},{"text":"There's a couple of things we discussed.","start":2458.75,"end":2460.27,"sentiment":"positive","sentiment_score":0.5233179373400552},{"text":"I think that's definitely, it sounds very positive.","start":2460.27,"end":2462.6099,"sentiment":"positive","sentiment_score":0.7661667540669441}],"sentiment":"positive","sentiment_score":0.45939613531033197,"num_words":30,"start":2455.15,"end":2462.6099},{"sentences":[{"text":"Fantastic.","start":2482.55,"end":2483.03,"sentiment":"positive","sentiment_score":0.8258427381515503},{"text":"Thank you so much for your time.","start":2483.03,"end":2484.73,"sentiment":"positive","sentiment_score":0.8574908716338021},{"text":"Will do.","start":2488.433,"end":2488.833,"sentiment":"positive","sentiment_score":0.5569351315498352},{"text":"You too.","start":2488.833,"end":2489.313,"sentiment":"positive","sentiment_score":0.41451597213745117},{"text":"Thanks.","start":2489.313,"end":2489.7131,"sentiment":"positive","sentiment_score":0.660699725151062}],"sentiment":"positive","sentiment_score":0.7255292901626,"num_words":13,"start":2482.55,"end":2489.7131},{"sentences":[{"text":"Talk to you.","start":2489.7131,"end":2490.613,"sentiment":"positive","sentiment_score":0.4571615954240163}],"sentiment":"positive","sentiment_score":0.4571615954240163,"num_words":3,"start":2489.7131,"end":2490.613}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi, Scott. Larissa here. How are you going?\n\nChannel 1: Good, Laura. Sorry. I missed you. I was just trying to get connected, and it dropped out.\n\nChannel 0: No. You're so okay. I called you again, and I left a voice mail, but I think you might have already been on the phone to Sam anyway. Perfect. Well, the reason why I called today is, of course, to go through your annual review, have a conversation with you with regards to where things fit now and where we could possibly move in the future with respect to your advice, your personal position, and ultimately everything that's happening, whether there might be maybe some new advice strategies we could implement as well.\n\nChannel 1: Okay.\n\nChannel 0: But before I keep talking your ear off and asking a million questions, I guess the best question I can ask is where does everything sit for you now, and and is there any major changes that have happened or things that you do wanna investigate?\n\nChannel 1: Nothing changed at the moment. Everything's going well. The only thing that might be I'm considering is leaving my current employer and perhaps going self employed\n\nChannel 0: Okay.\n\nChannel 1: within the next three to six months potentially. Like, I'm\n\nChannel 0: Yep.\n\nChannel 1: still in the process of putting things together there. So that's that's only a good change in the future, but as it stands at the moment, everything's still tracking as normal.\n\nChannel 0: Yep. Okay. Cool. So, I guess if we do go self employed, what does that kind of look like for you?\n\nChannel 1: At this stage, I'll basically build the same thing I'm doing now. I'm trying trying to maintain the same amount of ink, but not increase it.\n\nChannel 0: Yep.\n\nChannel 1: The bay I'll probably end up basing if it all goes to plan, would be based in Victoria. Still doing a lot of this remote type work that I'm doing at the moment, so which is a bit ad hoc, but I'm trying maybe trying to grab a bit of time perhaps to, as required, like, twelve hour days and six days a week things that I can get away from that would be a bit better.\n\nChannel 0: Yep. Because real like, Workwise, I have you working at, like, ProCycles.\n\nChannel 1: That's right.\n\nChannel 0: Could I guess, can you like because, like, it's it's management management of an order like, a a a a auto shop. How\n\nChannel 1: Yeah. Well, I'm sort of managing the workshop. I'm still hands on. So I'd still be doing similar. I'll still be staying in the industry, but just perhaps more more out of the public side\n\nChannel 0: yeah.\n\nChannel 1: of things,\n\nChannel 0: Yep.\n\nChannel 1: subcontracting to another another partner, basically, to make the like to do events and and direct through a wholesaler rather than doing retail direct retail work.\n\nChannel 0: Okay. Alright. Because, like so at the moment, a lot of your work can be remote, by the sounds of it.\n\nChannel 1: It is. I do. I still do a lot of like, at the moment, I'm transporting back to New South Wales.\n\nChannel 0: Yep.\n\nChannel 1: But in the last two weeks, start of the month, I was in to Adelaide on an event, and so we did about 8,000 k's in two weeks.\n\nChannel 0: Yep.\n\nChannel 1: So,\n\nChannel 0: Wow.\n\nChannel 1: yeah, still a lot of there's still a lot of on the road type work happening. I've gotta go to Tasmania for another week, early next month. And if things go to plan, I'll probably be doing 12 to 13 events in a year next year. So it's pretty much tripling what I'm doing now.\n\nChannel 0: Yep. Okay. Busy boy. Understood. Cool.\n\nAlright. And we're still wanting to sort of keep to that 130,000 that go self employed. Have you,\n\nChannel 1: Yeah.\n\nChannel 0: I I guess, thought of or looked at, like, a structure that you would have for the business or, I guess, like, where the work would come in from? Like, you've you've been\n\nChannel 1: Sure.\n\nChannel 0: in the\n\nChannel 1: Yes.\n\nChannel 0: industry for for a really long time. You've you're thirty years in industry,\n\nChannel 1: Yeah.\n\nChannel 0: so you've you've got the contact.\n\nChannel 1: I do. Yes. So so I think, yeah, like I said, I did the meetings I'm having the meetings start within the next two weeks to try and see if this is something that's gonna be viable. I can lock everything down.\n\nChannel 0: Mhmm.\n\nChannel 1: And then that that'll end up if that all goes well, that'll determine when my when I finish at ProCycles and when I start doing this. So and the actual offer to contract the ProCycles on the where there's other, like, in between events and things like that as well. So\n\nChannel 0: Yep.\n\nChannel 1: I've also got some other dealerships that are sort of interested in that situation as well. So when their staff's away, when their workload's a bit heavier. So\n\nChannel 0: Yeah.\n\nChannel 1: so, yeah, I think I think we've got some potential there to make that work. At the moment, I'll probably continue just leaving things as they are as far\n\nChannel 0: Mhmm.\n\nChannel 1: as the super room goes. And then if it seems to pick up a bit more\n\nChannel 0: Mhmm.\n\nChannel 1: on advice, obviously, potentially put more money into Super as required to give us a tax benefit and go from there. So\n\nChannel 0: Yeah.\n\nChannel 1: but obviously,\n\nChannel 0: Okay.\n\nChannel 1: that'll depend on how things took off.\n\nChannel 0: Yeah. How how it's actually flowing from there. No. That's amazing. Okay.\n\nWell, let me run through, and I just have a quick look to make sure that everything that I have on file is still appropriate for where you're at now.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So I've got that you're single of I have, like, contact number as I called you on this morning. S dot norman seventy three hot mail dot com is an email address.\n\nChannel 1: Yes. Right.\n\nChannel 0: One dependent daughter, next is can I have Angela Curry still listed? Is that where\n\nChannel 1: Yeah.\n\nChannel 0: you want\n\nChannel 1: That's\n\nChannel 0: that to\n\nChannel 1: that's\n\nChannel 0: fit\n\nChannel 1: correct.\n\nChannel 0: that's happy?\n\nChannel 1: Yeah.\n\nChannel 0: Cool.\n\nChannel 1: Yeah. I don't wanna try to.\n\nChannel 0: Amazing. We obviously just talked about work. $130,000 is what I have as income gross\n\nChannel 1: Yep.\n\nChannel 0: per annum. And then I have about $1,500 that in what you have an expend expenditure per week and about a $100 per week in savings. Does that still sound appropriate?\n\nChannel 1: Pretty. Yeah. I think I've I've had some payments come back through now. So, hopefully, I'm clearing out a couple of I'm trying to clear up all the five, payment requirements through the month or through the week. So I'm trying to reduce things down a little bit so you can build up in in my bank account just to if I'm gonna make a move.\n\nChannel 0: Yep.\n\nChannel 1: So at the moment, I I think I'd like to I'll probably just leave it as that at the moment, and then look at once we've got yeah. Once we've settled again, then nothing's gonna re reevaluate where I'm at. So at this stage, I don't even just leave it at that at this stage.\n\nChannel 0: Yeah. Because, like, realistically, on a $130,000 a year, that would make your weekly income about 2,500, after tax about $18.80.\n\nChannel 1: Yeah.\n\nChannel 0: So, you know, if you're saving a $100 a week, 1,500 in expenses, that means that we're sort of sitting around $200 a week that we have in, like, discretionary spending by the sounds of things. So nothing exuberant, but, you know, still pretty comfortable. So the numbers add up realistically as, I guess, the long and the short of it. Now\n\nChannel 1: Yep.\n\nChannel 0: in terms of assets,\n\nChannel 1: Yep.\n\nChannel 0: liabilities, I've got, like, the car, like, the the car that's leased, $60,000 worth of an asset. Debt was a 100 and sorry. Was $23. Do you know where that\n\nChannel 1: Yep.\n\nChannel 0: sort of sits now?\n\nChannel 1: I don't know, actually. No. I haven't checked. So I know the lease is nearly due.\n\nChannel 0: Do\n\nChannel 1: So\n\nChannel 0: you\n\nChannel 1: I\n\nChannel 0: know?\n\nChannel 1: think it's\n\nChannel 0: Yep.\n\nChannel 1: gonna it's gonna end in October, November, and I think it's a '25 digital. So it's I think yeah. So it's probably gonna be about 15,000 which left over this this year. And then\n\nChannel 0: Okay.\n\nChannel 1: I'll start to either roll that over or pay it out.\n\nChannel 0: Yep. Is your plan to, like, release, rollover? We\n\nChannel 1: But if I re laser on, the only thing I'll consider doing is probably rolling this one over and just keep the same vehicle.\n\nChannel 0: yep.\n\nChannel 1: So I won't be I won't be going to a new vehicle at this stage.\n\nChannel 0: Okay. Alright. Absolutely. Cool. And then we've got the motorcycles, about $70 worth 40\n\nChannel 1: Yep. And so I think well, what do you so probably down about 30 now I suspect,\n\nChannel 0: debt.\n\nChannel 1: because the yeah. Just payment. So one of them is nearly completely paid out. The other one still got a few years ago, and I have to I have to roll over the residual on the on the older one. And I think that's 11 for memory, so that's just kicked off.\n\nThat is probably still yeah. So I suspect there's probably about 3,000 left\n\nChannel 0: Okay.\n\nChannel 1: going.\n\nChannel 0: How many bikes do we have in total?\n\nChannel 1: Sorry.\n\nChannel 0: That's awesome. It sounds like when you're sort of running through them all. Yeah. Cool. Three in total.\n\nChannel 1: Yeah.\n\nChannel 0: Amazing. Look. At this point, you have more bikes than you do hands or capacity to ride them at one point, but I can't make choices. It's diversity.\n\nChannel 1: Well, it is it is actually well, two of them I'm trying to set myself here. Two of them are are purely used for events for for the events that I do, the right events.\n\nChannel 0: Yeah.\n\nChannel 1: So and they keep the service. So one of them's got a bigger fuel range to do more remote tours,\n\nChannel 0: Yep.\n\nChannel 1: and the other one's a smaller one for doing more adventure stuff. It's yeah. So and that's how it justified in my mind. And if anyone else can leave me, I can help that. Yeah.\n\nChannel 0: By the sounds of it, it's like it's like tools. We sometimes we\n\nChannel 1: It\n\nChannel 0: need\n\nChannel 1: is.\n\nChannel 0: four\n\nChannel 1: Yeah.\n\nChannel 0: or five different spanners.\n\nChannel 1: Correct. Yeah.\n\nChannel 0: They all\n\nChannel 1: 100\n\nChannel 0: do the same thing,\n\nChannel 1: percent.\n\nChannel 0: but they all\n\nChannel 1: Yep.\n\nChannel 0: do different things,\n\nChannel 1: Yep. Exactly.\n\nChannel 0: which actually brings me onto the tools anyway. I have about\n\nChannel 1: Yep.\n\nChannel 0: $70,000 in value for tools unless we've gone and\n\nChannel 1: Yeah.\n\nChannel 0: exuberantly increased that.\n\nChannel 1: That's that's probably a couple of places to a 100 now, I I would suspect. So the yeah. So I've had some people judging a lot more workshop related equipment.\n\nChannel 0: Yep.\n\nChannel 1: I'm just hands on. So, yeah, I think the value, I'll have to do a proper stock take off and all. I think we'd be close to do a 100 minimums now. So we wanna\n\nChannel 0: Yep.\n\nChannel 1: put this side.\n\nChannel 0: Okay. No. That's okay. Cool. And we own them all outright.\n\nWe don't have, like, a step on debt or anything like that.\n\nChannel 1: Oh, no. Definitely definitely got a snap on that. Yeah. So, yeah, because my\n\nChannel 0: Every\n\nChannel 1: my three had it my\n\nChannel 0: every\n\nChannel 1: three had it.\n\nChannel 0: tradie. Yeah.\n\nChannel 1: So, yeah, so this is I think just try to think off the top of my head. I just picked up a a new room full equipment fee a week ago. So I\n\nChannel 0: Yep.\n\nChannel 1: think my my truck my truck account's probably sitting at, I suspect, around 10 mark at this stage.\n\nChannel 0: Uh-huh.\n\nChannel 1: Yeah. The 10 k sitting sitting with the truck account. And he's yeah. You know, my my two guys pretty happy just having that take over. So about, you know,\n\nChannel 0: Yeah.\n\nChannel 1: a couple $100 a week goes into that.\n\nChannel 0: Yeah. No. That's okay. I think it's it's like, Snap on have done it really well by coming to you. They they they they cornered the market really early, and they did really, really well by by doing what they've done.\n\nBut, yeah, sometimes you kinda just get caught unawares, and you're like, you sit there and think about how you you could really use this tool, and then somehow, the SnapOn guy just rocks up.\n\nChannel 1: Well, it's it's sort of because they're franchises franchisees\n\nChannel 0: Yeah.\n\nChannel 1: as well, it's, you know, you you build a relationship with them. So\n\nChannel 0: Yeah.\n\nChannel 1: and\n\nChannel 0: You\n\nChannel 1: the and\n\nChannel 0: do.\n\nChannel 1: the fact like they because they turn up every week, there's no other tool company that does that. Like, if there\n\nChannel 0: No.\n\nChannel 1: was, like, there used to be when I started, you\n\nChannel 0: Yeah. There was a\n\nChannel 1: know, ten\n\nChannel 0: couple.\n\nChannel 1: years ago. We had well, you'd you'd have the sole operators. Like, guys are\n\nChannel 0: Yeah.\n\nChannel 1: the van, and they would turn up, and they would compete against Snap on, and they did have cheap a lot more, you know, cheaper options. But they they just fall they've fallen away. They they they were all like a a mature age guy who's doing it as mechanics, things like that. And it has never carried on. Like, once they retired, that was it.\n\nThey just sell the van, sell the tools,\n\nChannel 0: Yep.\n\nChannel 1: and no one picked up their route or did their thing. Whereas Snap on sort of because it's corporate, we got in touch with strong CI. They do seem to do what they do very well, and and the franchisees are trained, and they support their customers so they build the relationships. So I feel, you know, to me, I'd cost a bit more, but I've got a good relationship. I know the guy's gonna be back every Monday.\n\nIf there's any problems, he sorts it out. So for\n\nChannel 0: Yeah.\n\nChannel 1: me, it's just got a no brainer.\n\nChannel 0: It's\n\nChannel 1: And\n\nChannel 0: like this it's like from twenty years ago, the smoker lady that used to come around, and she would sell smokes and pies and bakery items. And, yeah, 100\n\nChannel 1: Yeah.\n\nChannel 0: percent, you could you could go in debt with her and pay her off eventually. And at the end of\n\nChannel 1: Yes.\n\nChannel 0: the month, she'd she'd come knocking to collect. They\n\nChannel 1: Yeah. Yeah. That's it. Yep.\n\nChannel 0: they were always women at that point, but they would always come back. Brilliant system, and it worked well.\n\nChannel 1: Yeah. Yeah. Correct. Yeah. Yeah.\n\nSo, unfortunately, all that stuff sort of died off a little bit, and and people take advantage of it as well. So I can understand why it's it's gonna be a bit difficult to get hesitant to give credit and all that sort of things.\n\nChannel 0: Yeah. Absolutely. Absolutely. Which on the topic of credit, credit cards. I have a $6,500 credit card.\n\nIs that the limit of what's owed? Or do you know what the limit versus\n\nChannel 1: That's that's\n\nChannel 0: owing\n\nChannel 1: $12,000\n\nChannel 0: is?\n\nChannel 1: limit is is zero at the moment.\n\nChannel 0: Fantastic. So we've got we owe nothing. Do we live on the credit card? Like, do\n\nChannel 1: I\n\nChannel 0: like\n\nChannel 1: will I will do some majors. So my my regos and things like that, I've\n\nChannel 0: Yep.\n\nChannel 1: been using a credit card for that and then just,\n\nChannel 0: Yep.\n\nChannel 1: you know, dumping it\n\nChannel 0: Pay\n\nChannel 1: out.\n\nChannel 0: enough. Yep.\n\nChannel 1: I think it's a sort of a bypass of Afterpay now, so it's sort of got finally, at this at my age, I've probably kicked in the gear that spend what you can pay off in four installments, and it's really good. So I I like it. Yeah. Good good trading field.\n\nChannel 0: Yes. Yes. Cool. Are there any other assets or debts that I need to know about before we jump in?\n\nChannel 1: No. I think it's just I think there should be a personal loan there. That's still ticking over 20, I think, from them. About $20.20. I haven't I haven't checked the statement on it recently, but I suspect it'd be the low twenties.\n\nIt's just a consolidation loan from a few years ago that's still ticking over.\n\nChannel 0: Okay. Have we thought about, like because realistically, we've got sort of about $83 worth of debt sitting across all of well, I should probably lower that because we've already got about $15 sitting on the the leased car, so that that that rollover payment, we've got, like, $75 worth of debt sitting across all of the vehicle tools, everything else.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Have we thought about doing another consolidation loan to\n\nChannel 1: Yeah.\n\nChannel 0: look at easing\n\nChannel 1: I\n\nChannel 0: some of\n\nChannel 1: I\n\nChannel 0: the\n\nChannel 1: have thought about\n\nChannel 0: pressure?\n\nChannel 1: yeah. I have thought about trying to get it all sorted, and that's probably something I need to consider sooner rather than later. The only thing I haven't really done is, it, like, worked out who to go through. I haven't had time to sit down and see if he's offering what at the moment and and try and I guess, I don't know if that's probably\n\nChannel 0: You\n\nChannel 1: something\n\nChannel 0: know the\n\nChannel 1: I need to have a look at.\n\nChannel 0: so there's there's brokers that do this for you, and then the banks\n\nChannel 1: Okay.\n\nChannel 0: pay them a commission for doing all the work and getting the client to the bank.\n\nChannel 1: Yep. Okay.\n\nChannel 0: So I can set you up with my broker that can look at this. And, realistically, what it is from your perspective is my bro like, my broker can give you a call, and what they\n\nChannel 1: Yep.\n\nChannel 0: would do is they would request statements to all of these accounts. Correct me if I'm wrong. Snap on just give you a line of credit. There's no interest\n\nChannel 1: Mhmm.\n\nChannel 0: incurred for\n\nChannel 1: That's correct. Yeah. Correct.\n\nChannel 0: yeah. Cool. Let's double check. And and so, like, it wouldn't make sense to consolidate that debt because you'd be incurring an interest\n\nChannel 1: Mhmm.\n\nChannel 0: rate on that debt, which doesn't currently have an interest rate.\n\nChannel 1: Yeah.\n\nChannel 0: So it would be sort of, like, the loans that have interest that is being incurred. So it's the the the car lease, the motor the motor vehicles, like, the motorcycles, and the personal loan.\n\nChannel 1: Yep.\n\nChannel 0: Consolidating\n\nChannel 1: Yep.\n\nChannel 0: them down and seeing if you can sort of reduce the the the the interest rate, make it a little bit more easily easy to manage payment wise and everything else, and try and chip\n\nChannel 1: Yep.\n\nChannel 0: off it off a little bit more. But they\n\nChannel 1: Yep.\n\nChannel 0: they would just they would just require statements to all of the accounts where they currently fit, and then they do the research on which providers would give you loans, what interest rate would be, how we would pay that off, all those kinds of things based on\n\nChannel 1: Yep.\n\nChannel 0: payslips and income. So I can set that up, email them, cc you in, and they can reach out to you. However, I know that you're a different you you have busy schedule, and today is a day you have off. Is that correct?\n\nChannel 1: Yep. Oh, today\n\nChannel 0: Cool.\n\nChannel 1: I'm I'm driving, so you're obviously getting disturbed. So I could actually talk to speak on the pop up the\n\nChannel 0: Fair.\n\nChannel 1: phone back. Yeah. Drive back up Sydney. So, yeah, it's\n\nChannel 0: Fair.\n\nChannel 1: a\n\nChannel 0: Absolutely.\n\nChannel 1: good\n\nChannel 0: So, theoretically speaking, like, they you know, my\n\nChannel 1: timing.\n\nChannel 0: broker could organize a time where you are driving to have these kinds of conversations, and that's just a matter of you need to do the paperwork by sending them through statements,\n\nChannel 1: Yep.\n\nChannel 0: which is something you can do at 08:00 at night. That's fine. And go from there. But but that that's something I can do so that way it alleviates the pressure from\n\nChannel 1: Yeah.\n\nChannel 0: you having\n\nChannel 1: Yeah.\n\nChannel 0: to sit down and I know. The research component's a pain.\n\nChannel 1: Yeah. Okay. Yeah.\n\nChannel 0: Cool.\n\nChannel 1: But but I was I was wasn't gonna ask. I wasn't sure about something that you offered, so I didn't hear it was my thing to ask. That's that's fantastic. If you got someone that you'd recommend, I'd appreciate that greatly.\n\nChannel 0: Yeah. Cool. Alright. Well, I'll I'll get I'll get my broker, Brooke. It it'll more than likely be her offside, but I'll get Brooke and her team to reach out to you and\n\nChannel 1: Right.\n\nChannel 0: and go through, have a chat about where everything sits and and just see if they can help you out with that on that side. Because worst case scenario, you\n\nChannel 1: Yep.\n\nChannel 0: get told, hey. What you're currently doing is the best that you have available to you, and it gives reassurance that you're on track that side.\n\nChannel 1: Yep. Yep. Yep. Yep. Okay.\n\nYep.\n\nChannel 0: Cool.\n\nChannel 1: I'll just take that one time. One video. So that\n\nChannel 0: Sometimes it can be, but maybe cool.\n\nChannel 1: Alright. Thank\n\nChannel 0: No.\n\nChannel 1: thank you very much. Yeah. I think that's great. That's that's that's I look forward to doing that. So that's gonna be motivated.\n\nChannel 0: Amazing. Now with respect to, I guess, where everything sits at the moment, we obviously have implemented in the past your your your super fund. We have 24, and then you have a insurance policy with Encompass.\n\nChannel 1: Yes.\n\nChannel 0: So with the insurance policy, you have, like, a life, a total family disability, and income protection policy. And the income protection covers you for $7,810 per month. Now I was kind of mentally doing the math before, but then I stopped because we were talking and\n\nChannel 1: Yep. Alright.\n\nChannel 0: I just didn't go back to it. The amount that you're covered for is a little bit over what you're what you're currently earning. So\n\nChannel 1: Yeah. I got it.\n\nChannel 0: the policy can only pay you the up to, like, 70% of your income. The policy, like, is a little bit higher than than what your income would normally allow. So we can do a\n\nChannel 1: Okay.\n\nChannel 0: couple of things. One can be to just decrease that policy a little bit\n\nChannel 1: Yep.\n\nChannel 0: just to be in line with where your income sits.\n\nChannel 1: Mhmm.\n\nChannel 0: Alternatively, we can leave it where it is based on you and your income potentially increasing in the future\n\nChannel 1: Yep.\n\nChannel 0: and just request that the policy not CPI increase again for, like, this next year. So that way, we don't drop the benefit if you are expecting an increase in your income. However, little bit more cautious on doing it that way purely and simply because you did say that you're looking to\n\nChannel 1: Yes.\n\nChannel 0: possibly go self employed. And if you generally go self employed, nine times out of 10, you're probably gonna have a slight decrease to your income, not an\n\nChannel 1: Yep.\n\nChannel 0: increase. At least for\n\nChannel 1: Yes.\n\nChannel 0: the couple of years when you establish yourself and get everything moving.\n\nChannel 1: That's yeah. I'll inspect.\n\nChannel 0: Yeah. So I on the IP side of things, I do wanna have a little bit of a look and just see if I can taper it back a little bit. It'll just drop the premium. It it it makes no sense to pay for something you can't collect. Right?\n\nChannel 1: Yeah. Yeah. Oh, you're right.\n\nChannel 0: Bring that back. On the life and TPD side, you have $258,000 life TPD.\n\nChannel 1: Mhmm.\n\nChannel 0: So, basically, what I see that being is that in the event that something happened to you and you were like, you you passed away, you have what is essentially $653,000 between your super fund and your life insurance policy that is payable to your estate, that's payable to your your next of kin, the choice of your your beneficiary. Now\n\nChannel 1: Yep.\n\nChannel 0: first things first, your Encompass policy does not have a beneficiary listed, so we need to administratively get that in place.\n\nChannel 1: I thought I okay. I thought we did that before last year. Okay. Alright. We'll do that soon.\n\nChannel 0: I I didn't have a a a deep dive into into why it's not in place. I just know that it's not. So whether it bounced because it was not accepted at the time, I'm not a thousand percent sure, but definitely something that we should be looking into to get in\n\nChannel 1: Yes.\n\nChannel 0: place. But on your on your HUB twenty four funds, same issue. Beneficiary not not listed. I will have a bit more of a look into things. I meant to it Friday, but my Friday kinda ran away from me, and it's Monday.\n\nSo Monday mornings are always fun. So I haven't had a chance to really deep dive and and have a look as to why they bounced, but but, yeah, that they they're they're not in place. So I wanna get them listed. But, realistically\n\nChannel 1: Yes.\n\nChannel 0: speaking, what I can do is I can pre fill the the forms out, send them to you. Do you have someone that you specifically want to nominate or\n\nChannel 1: Yeah. I I need to get everything for my my daughter's mother, marital\n\nChannel 0: okay. So there's a couple of different points\n\nChannel 1: salary.\n\nChannel 0: with that.\n\nChannel 1: Yep.\n\nChannel 0: How old is your daughter currently? Like, what what year was she born?\n\nChannel 1: She's 15. She she's coming at 16. Born in 2010.\n\nChannel 0: Okay. So 2010 born, so 16. So couple years away from what is considered an adult,\n\nChannel 1: Yep.\n\nChannel 0: which 18. No one's an adult. But your ex wife under this regulation, so it's like, the CIS Act is, like, the superannuation industry act that governs superannuation funds. An ex wife may actually not be like, it's generally not considered a CIS dependent. Your daughter will always be considered a CIS dependent\n\nChannel 1: Got\n\nChannel 0: because she is your daughter. The way around that is if I guess, there's there's two ways around it. One is that you can actually nominate your daughter to receive all of the benefits, and what that means is that while she is a child, the money will be hers, but, essentially, her guardian, which is your ex wife, Angela, would be the person to kind of, a, fill out all the documents and paperwork on your daughter's behalf, but, b, would would also be able to be sort of, like, a trustee for the money,\n\nChannel 1: Yep.\n\nChannel 0: like, you know, informally\n\nChannel 1: Yep.\n\nChannel 0: and sort of hold the money for your daughter. Essentially, yes, Angela still gets the money in that way, but it means that in two years' time or, you know, in '28 2028 when your daughter turns 18, you don't need to update the beneficiary nominations because she is an adult. And at that time, she's actually able to claim the money\n\nChannel 1: Yeah.\n\nChannel 0: herself\n\nChannel 1: Okay.\n\nChannel 0: and be paid the money directly\n\nChannel 1: Yeah. Right.\n\nChannel 0: and go that way. The other\n\nChannel 1: Okay.\n\nChannel 0: avenue around it is instead of making a a direct nomination with the fund for, you know, a specific person, is you can actually nominate what's called your legal personal representative, which means that you're nominating your estate. And that is basically stipulating to the fund, hey. I have a will in place, and I want you\n\nChannel 1: Yep.\n\nChannel 0: to honor what my will says. And what the super fund will do is they will pay the money into a bank account that is in your estate's name, so it'll be the estate of Scott Norman. And it's basically up to the the estate and the will to distribute those funds from\n\nChannel 1: Yep.\n\nChannel 0: there. Either\n\nChannel 1: Okay.\n\nChannel 0: either way works. It means that, I guess, essentially, if you want to go down the route of going and doing a will, you could be more specific with how you want Angela to utilize the funds in the event that you passed away before your daughter turned 18. Or if you did a direct nomination, again, you can nominate your daughter, but Angela essentially receives the funds and is able to use them to help support your daughter. It's just dependent\n\nChannel 1: Sure.\n\nChannel 0: on what your outcome is with why you want Angela to get the money. And I and I understand, I guess, from a parental point of view that it's because if you're not there, your daughter still needs to be looked after. Yeah. So either either option would work, but I'm happy to I can pre fill documents to support either option. Or if I've overload you with information you need time to consider it, I can send them to you blank.\n\nI can send you an email\n\nChannel 1: Yeah.\n\nChannel 0: that has a bit of information on which, basically, I can write down what I've just verbally explained.\n\nChannel 1: No.\n\nChannel 0: So that\n\nChannel 1: No. That's\n\nChannel 0: way,\n\nChannel 1: that's\n\nChannel 0: you can\n\nChannel 1: okay.\n\nChannel 0: kind of\n\nChannel 1: That makes\n\nChannel 0: read\n\nChannel 1: sense.\n\nChannel 0: it.\n\nChannel 1: So I'm happy. Yeah. Like, you're on you guys. I I believe no issue. I I don't reason I was sort of saying my daughter's mother was Angela\n\nChannel 0: Ma'am.\n\nChannel 1: was basically, and I thought there would be a tax implication for Alice in the future if she had that money sitting there. But if there's no if there's nothing that's gonna sort of catch her out in the future, then that's fine. I'm I'm happy to have put it under Alice's name. There's no issue there, but I was just more worried that it could affect her once once you while I became an adult and then take control of it, I guess.\n\nChannel 0: Yeah. Like, the the tax implications, I guess, for anyone receiving money is interest earned on an asset. So, like, a cash asset, which is essentially what it would be when it's distributed to her because it get paid it would all get liquidated and paid in cash,\n\nChannel 1: Yes.\n\nChannel 0: is that the is is that the interest earned on that on that money. Now, realistically, if she put, you know, what is essentially $650,000 into a high interest savings account of, like, 5%, she's looking at $32,500 a year in interest\n\nChannel 1: Yep.\n\nChannel 0: earned. That's if she put into, like, say, a term deposit, which that the $32 is a taxable income, which means she would have to pay tax on what is what is $32 worth of income,\n\nChannel 1: Yep.\n\nChannel 0: which is a couple of grand worth of tax. It's\n\nChannel 1: Yep.\n\nChannel 0: not\n\nChannel 1: Yep.\n\nChannel 0: gonna be it it's not exuberant.\n\nChannel 1: Yep.\n\nChannel 0: With what she does from with it from there, like, theoretically, if she goes and buys a house with that money, then, no, not taxable income. If that's an investment property, then, yes, taxable income and things from there.\n\nChannel 1: Yeah.\n\nChannel 0: But\n\nChannel 1: That's\n\nChannel 0: the\n\nChannel 1: yeah.\n\nChannel 0: same\n\nChannel 1: That's\n\nChannel 0: thing would\n\nChannel 1: just\n\nChannel 0: happen\n\nChannel 1: it.\n\nChannel 0: the same thing happens to Angela. So if Angela\n\nChannel 1: Yeah.\n\nChannel 0: got distributed\n\nChannel 1: Okay.\n\nChannel 0: the money, it went to cash, she would have the same issue. But there are ways around it. And essentially speaking, if something happened to you, the hope is is that Angela, you know, your daughter would come and see us, have a chat to us, and we could look at, say, instead of a lump sum benefit being paid out, maybe an income stream where because\n\nChannel 1: Yes.\n\nChannel 0: your daughter\n\nChannel 1: Yeah.\n\nChannel 0: like, we could sort of pay it that way to sort of help support things\n\nChannel 1: Yeah.\n\nChannel 0: on\n\nChannel 1: That's\n\nChannel 0: that\n\nChannel 1: it.\n\nChannel 0: side.\n\nChannel 1: Yeah. Okay. Yeah. That that'd be good. That's a good idea.\n\nChannel 0: But that all happens at claim time, and you're not here anymore. So\n\nChannel 1: Yeah. Yeah. That's right. Yeah. That's it.\n\nOkay.\n\nChannel 0: you're like, I don't care. So it's just, I guess, a matter on that side of things as to, you know, us talking to them at that point. But but, yeah, what I'll do is definitely, first and foremost, documents, beneficiaries, we need to get them in\n\nChannel 1: Yep. Yeah. I got Well, let's let's get Allison on that. That's fine. I'm more than happy for that to happen.\n\nThank you for the info on that. That's\n\nChannel 0: place.\n\nChannel 1: fine.\n\nChannel 0: That's okay. How do I spell Alice's name? Is it just a l I c e?\n\nChannel 1: Yes. And her middle name is Skye, s k y e.\n\nChannel 0: Y e? Yep.\n\nChannel 1: And, yeah, it just got my surname Norman.\n\nChannel 0: Norman. Amazing. So date of birth? 2010, the month and date?\n\nChannel 1: Yeah. Twenty fifty eleven.\n\nChannel 0: 11/2010. Amazing. And address that she lives at?\n\nChannel 1: Unit 25 Winifred Street in.\n\nChannel 0: Frank.\n\nChannel 1: Victoria. I think it's 3199 is the postcode, I think.\n\nChannel 0: Finn. That's okay. I can look it up. I always double check my spelling on streets and such anyway,\n\nChannel 1: Yeah.\n\nChannel 0: so I'll look it up. Internet's a great thing. Amazing.\n\nChannel 1: Yeah.\n\nChannel 0: And she's she's obviously a female and your daughter. Amazing. Alright. Well, I will prefill the documents, and there's one or two options. I can post them to you where I can email them to you.\n\nEmail means you need to print, sign, scan, and send back. Post,\n\nChannel 1: Yep.\n\nChannel 0: obviously, scan and repost\n\nChannel 1: Yep.\n\nChannel 0: sign and\n\nChannel 1: Yep.\n\nChannel 0: repost.\n\nChannel 1: Baby.\n\nChannel 0: Which would you prefer?\n\nChannel 1: I'll, yeah, I'll do the install and scan, re and all the amounts right back to you. Yep.\n\nChannel 0: Cool. So I'll email them to you and you can print, sign, scan? Amazing.\n\nChannel 1: Yep. Perfect.\n\nChannel 0: Cool. I'll get I'll get my team to get them out to you today.\n\nChannel 1: Mhmm.\n\nChannel 0: So insurance side, I'm gonna have a look at the IP, look at lowering it a little bit, see whether there's it's gonna create much of a difference in terms of premiums.\n\nChannel 1: Yep.\n\nChannel 0: On the superannuation side, first and foremost, I actually want to be straight up honest with you. And I did mean to do this at the beginning of the call, but we kinda got chatting about vehicles and cars and everything, so we didn't. When I was reviewing your file in preparation for the call, I did note that advice from last year was not executed in terms of the investment swap. So last year, we recommended that we made an investment change over to a a few different assets. I went and\n\nChannel 1: Yep.\n\nChannel 0: executed it last week. After the advice has been executed, because it's obviously been nearly twelve it has been twelve months, I will be sitting down personally. So I'm the head of advice. So I will sit personally sit down and audit to see whether there's been any financial detriment to your file in terms of had the advice been implemented, whether you're out of pocket for investment that you should have otherwise earned. If you\n\nChannel 1: Yeah.\n\nChannel 0: have, we will obviously remediate that. But irrespective of any outcome, you will see receive a letter in writing from myself stipulating the review, the outcome, and whether there's been detriment or money at because we did not make the change. Okay? Cool. Otherwise, the investments that were recommended, I actually have no major issues with them.\n\nI will go through and still have another look to see whether there is any changes we could possibly make. There's always changes in the market that do happen. There are always, you know, like, economic changes that could influence the investment options that you hold. But, essentially speaking, the the remediation review and the review of your investment options are two separate entities in and of themselves,\n\nChannel 1: Yep.\n\nChannel 0: and I will handle I'll handle both of them. So if I do wanna make any changes to your fund moving forward, that'll be a statement of advice. I would advise you of some of those investment changes that I wanna do while still considering and looking at the remediation side of things anyway. Okay?\n\nChannel 1: Okay. That works. Thank you for that.\n\nChannel 0: No. That's okay. I had meant to kind of literally start the call and and go into it, but we're not talking about Snap on and and motor vehicles and everything else. Perfect. So I guess so kind of, I guess, tie things in and and for me to kind of look at the super funds and where things are sitting.\n\nI do wanna look at where your goal is set and what you're aiming to do. Even though I know I I've got a really pretty good feel for where you're at now based on our call. I guess, what kind of goals do you set for yourself? Do you do you think you can remember the goals that you set twelve months ago and where they fit?\n\nChannel 1: I think most of it was just to get obviously, we're looking to try to continue having some sort of income out of a potential retirement, which I don't really have a date for. But the the biggest thing was that making sure my daughter I can financially support my daughter if she needed anything. There's really the main two things. I think we we've seen a certain along with what I was looking to do, like the actual work shift and everything else that I've been talking about just the quality of life thing that, you know, hopefully successful. And I might put myself in a better position long term.\n\nBut, yes, at the moment, it's just it's just all flawed at this stage. There's nothing in in mind. So nothing's still in concrete at the minute. But, yeah, basically, it's the main thing. Two things are just some income to live off, outside of retirement, and option to help my daughter if she needs something as well.\n\nChannel 0: Yeah. Amazing. So I guess on that so there there are a couple of things, I guess, we could look at doing. Yes. The income to live off for retirement, that is obviously where the super fund definitely kicks in.\n\nThe option to help your daughter, she's 16 now. There's a few different things we could sort of look at, and I guess some of it does really depend on where that, I guess, savings per week sits and or possibly getting getting a bit of those assets sorry, the debts paid down to to have you, like so you have more disposable income. And we could look at sort of doing, like, a bit of an investment account that's for her where we could sort of look at maybe, like, a ten year time frame or a five year or two year or whatever the case may be. We could do sort of a investment account that is it depends on how you wanna structure it. There's there's what's called, like, a child bond on one side where you put money in.\n\nIt has a ten year release time frame. And when that money is released, it is tax paid. So there's no capital gains for her to pay. There's no, like, earnings in there's there's no tax on that side because it it'll gets taken care of inside the bond. So when the bond comes up for maturity in ten years, it's it's it's withdraw and go.\n\nThat's obviously a 26 year old, which realistically, 26 mentally, pretty stable, probably has a bit of an idea as to where she would wanna go. So the money sitting there, you know, could go towards a house deposit, further education,\n\nChannel 1: Yes.\n\nChannel 0: whatever the case may be. But it depends on what you want the money to be there for. All the other side of things is you could do, like, an investment account under your name. And the investment account could be specifically set up for her for later. The painful thing about that is that you are the owner of that investment account.\n\nIf you sell that on any investments, when you do liquidate the assets, there is a capital gains liability. You get personally implicated for the tax side of things, but you could utilize, like, that sort of investment account to specifically set her up for her future, which is very\n\nChannel 1: Yeah.\n\nChannel 0: much in line with what you're wanting to do to help her out. So it's, like, sort of a couple options on that. It's kind of like, I guess, a a a step up from, you know, the old Commonwealth Bank DollarMite\n\nChannel 1: Yeah. Yeah. It's\n\nChannel 0: savings account.\n\nChannel 1: it's an\n\nChannel 0: Yeah.\n\nChannel 1: account. Yeah. Yeah. Yep.\n\nChannel 0: Yeah. So it's, like, kind of a step up from that, where we can kind of invest it a little bit and stuff like that. But,\n\nChannel 1: Yep.\n\nChannel 0: again, it just kind of depends on where the root of I wanna I want options to help support my daughter really comes from.\n\nChannel 1: Mhmm. Yeah. Yep.\n\nChannel 0: Is it is it that I wanna make sure that she's set up and she's gonna be stable for the future, or is it that I wanna make sure that if if her mom loses her job or or, you know, if she does wanna go to uni that I have money available that I can support her in uni so she's not going to have to live off ramen,\n\nChannel 1: Yeah.\n\nChannel 0: which,\n\nChannel 1: Yep.\n\nChannel 0: mind you, ramen lifestyle in uni wasn't that bad.\n\nChannel 1: That's all she wanted. I was down. We also spent the weekend with her as well. That's all she wanted. Last night after the movie, I've got needles at home.\n\nI'm gonna okay.\n\nChannel 0: Woman after my own heart. So I can I can sort of look into options along those sides? Generally speaking, we'd need money to be able to put into it to begin with, though.\n\nChannel 1: Cool.\n\nChannel 0: So you don't start\n\nChannel 1: Yeah.\n\nChannel 0: off\n\nChannel 1: Okay.\n\nChannel 0: with zero and just start with a $100 here here, like, ongoing.\n\nChannel 1: Yeah.\n\nChannel 0: You would start with, you know, sort of $510 that you would start as an initial and then add to it if you wanted to. But that those kinds of things are an option, but I think possibly\n\nChannel 1: Yeah.\n\nChannel 0: maybe a little bit of a future consideration based on us trying to maybe clear off some of these debts.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Okay.\n\nChannel 1: Perfect. I\n\nChannel 0: So\n\nChannel 1: I log\n\nChannel 0: I\n\nChannel 1: in.\n\nChannel 0: think avenues that I'm looking at is obviously the insurance. I'll look at the super fund on a separate side. I'll look at the remediation for the super fund and get you the referral to my broker, see if we could\n\nChannel 1: Yep.\n\nChannel 0: clean up the the the debts owed and get them paid down a little bit faster or get them, you know, just get them ticking along, get you\n\nChannel 1: Yep.\n\nChannel 0: with some extra residual income, and go from there. And what I'll do\n\nChannel 1: Mhmm. Good.\n\nChannel 0: is I can work with the I can work with the broker where\n\nChannel 1: Mhmm.\n\nChannel 0: sort of she they can sort of give the information back to me on, hey. This is where the cash flow sits now. This is where the cash flow is gonna sit. And I can kind of tie that into my advice that, you know, if we're gonna save a little bit of money, whether maybe we put it back into paying the debts off or\n\nChannel 1: Yep.\n\nChannel 0: whether we can maybe use that to actually set up these these accounts\n\nChannel 1: Yeah. Okay.\n\nChannel 0: for you.\n\nChannel 1: Yeah. Perfect. Yeah. Love it. It's gonna\n\nChannel 0: Hi.\n\nChannel 1: be great.\n\nChannel 0: Cool. Alright. Well, I'll get that one sent off and going on that side. But I guess in terms of tying off the annual review and going through things, I know you've been a client for a few years now. So what what I have is I have a a a pack of documents, and I know you're on the road driving.\n\nSo you're obviously not gonna be opening and doing things on that side. But what I wanna do is I'm gonna send that out to you for you to sort of look over, and you're able to come back to me with any questions. I will obviously be reaching out to you in the next couple of weeks anyway to have a chat about the few things that we talked about today. But the the pack includes, like, the the financial services guide, which sort of details who we are. You've seen a few of them before.\n\nChannel 1: Yep.\n\nChannel 0: It has, you know, our processes and and and fee structures, everything like that included. You've got a overview of your super fund, an overview of your insurance policy, and you've got the ongoing service agreement. So that is a document that you would sign that authorizes Oaktree Financial to continue servicing you as a client.\n\nChannel 1: Mhmm.\n\nChannel 0: That's all included within that pack as well. So once I get off the phone, I will send that through to you. And then, obviously, when you pull up, stop, and and can sit down, you can go through it properly.\n\nChannel 1: Thank you.\n\nChannel 0: No. Not a problem at all. Did you have any questions at all for me while we were on the phone?\n\nChannel 1: No. Nothing at the middle. So I'm looking forward to, yeah, what we can do. There's a couple of things we discussed. I think that's definitely, it sounds very positive.\n\nChannel 0: Perfect. Well, I'll get through to it. You'll have a few emails coming from me today. So, obviously, broker, beneficiary forms, and that that that pack to sign and look at. And, of course, if you have any questions, you'll have my direct contact.\n\nYou can come straight back and ask anything you might have.\n\nChannel 1: Fantastic. Thank you so much for your time.\n\nChannel 0: Not wrong at all, Scott. You have a good one. Drive safe, Sydney.\n\nChannel 1: Will do. You too. Thanks. Talk to you.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hi, Scott.","start":2.1599998,"end":3.04,"sentiment":"neutral","sentiment_score":0.17537681758403778},{"text":"Larissa here.","start":3.04,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.17514775693416595},{"text":"How are you going?","start":3.6799998,"end":4.5,"sentiment":"neutral","sentiment_score":0.2725107669830322}],"sentiment":"neutral","sentiment_score":0.22388652712106705,"channel":0,"num_words":8,"start":2.1599998,"end":4.5},{"sentences":[{"text":"Good, Laura.","start":5.04,"end":5.6,"sentiment":"positive","sentiment_score":0.446498841047287},{"text":"Sorry.","start":5.6,"end":5.76,"sentiment":"neutral","sentiment_score":0.10649537295103072},{"text":"I missed you.","start":5.76,"end":6.24,"sentiment":"neutral","sentiment_score":-0.054675561686356865},{"text":"I was just trying to get connected, and it dropped out.","start":6.24,"end":9.3,"sentiment":"neutral","sentiment_score":-0.07167314941232855}],"sentiment":"neutral","sentiment_score":0.002768336850054124,"channel":1,"num_words":17,"start":5.04,"end":9.3},{"sentences":[{"text":"No.","start":9.76,"end":10.16,"sentiment":"neutral","sentiment_score":-0.08520184457302094},{"text":"You're so okay.","start":10.16,"end":11.5199995,"sentiment":"neutral","sentiment_score":0.016024989386399586},{"text":"I called you again, and I left a voice mail, but I think you might have already been on the phone to Sam anyway.","start":11.5199995,"end":15.7,"sentiment":"neutral","sentiment_score":0.05810956268881758},{"text":"Perfect.","start":18.465,"end":18.965,"sentiment":"positive","sentiment_score":0.6160869598388672},{"text":"Well, the reason why I called today is, of course, to go through your annual review, have a conversation with you with regards to where things fit now and where we could possibly move in the future with respect to your advice, your personal position, and ultimately everything that's happening, whether there might be maybe some new advice strategies we could implement as well.","start":20.305,"end":39.66,"sentiment":"neutral","sentiment_score":0.17716551455669105}],"sentiment":"neutral","sentiment_score":0.1431417475224182,"channel":0,"num_words":93,"start":9.76,"end":39.66},{"sentences":[{"text":"Okay.","start":40.29,"end":40.79,"sentiment":"neutral","sentiment_score":0.04970977455377579}],"sentiment":"neutral","sentiment_score":0.04970977455377579,"channel":1,"num_words":1,"start":40.29,"end":40.79},{"sentences":[{"text":"But before I keep talking your ear off and asking a million questions, I guess the best question I can ask is where does everything sit for you now, and and is there any major changes that have happened or things that you do wanna investigate?","start":40.84,"end":54.685,"sentiment":"neutral","sentiment_score":-0.0012811613066688828}],"sentiment":"neutral","sentiment_score":-0.0012811613066688828,"channel":0,"num_words":46,"start":40.84,"end":54.685},{"sentences":[{"text":"Nothing changed at the moment.","start":56.324997,"end":58.21,"sentiment":"neutral","sentiment_score":-0.13623172789812088},{"text":"Everything's going well.","start":58.21,"end":59.51,"sentiment":"neutral","sentiment_score":0.13864530126253763},{"text":"The only thing that might be I'm considering is leaving my current employer and perhaps going self 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month.","start":1157.25,"end":1164.47,"sentiment":"neutral","sentiment_score":0.08943357914686204},{"text":"Now I was kind of mentally doing the math before, but then I stopped because we were talking and","start":1165.1699,"end":1172.475,"sentiment":"neutral","sentiment_score":-0.07021275515619077}],"sentiment":"neutral","sentiment_score":0.051564519868252126,"channel":0,"num_words":47,"start":1149.835,"end":1172.475},{"sentences":[{"text":"Yep.","start":1172.51,"end":1172.75,"sentiment":"neutral","sentiment_score":-0.06016143783926964},{"text":"Alright.","start":1172.75,"end":1173.25,"sentiment":"neutral","sentiment_score":0.025604799389839172}],"sentiment":"neutral","sentiment_score":-0.017278319224715233,"channel":1,"num_words":2,"start":1172.51,"end":1173.25},{"sentences":[{"text":"I just didn't go back to it.","start":1173.495,"end":1174.955,"sentiment":"neutral","sentiment_score":-0.097050456064088},{"text":"The amount that you're covered for is a little bit over what you're what you're currently earning.","start":1177.575,"end":1185.35,"sentiment":"neutral","sentiment_score":-0.11858323216438293},{"text":"So","start":1185.89,"end":1186.39,"sentiment":"neutral","sentiment_score":-0.043287016451358795}],"sentiment":"neutral","sentiment_score":-0.10954220622777938,"channel":0,"num_words":25,"start":1173.495,"end":1186.39},{"sentences":[{"text":"Yeah.","start":1185.905,"end":1185.9751,"sentiment":"neutral","sentiment_score":0.011418875306844711},{"text":"I got it.","start":1185.9751,"end":1186.9651,"sentiment":"neutral","sentiment_score":0.011849243193864822}],"sentiment":"neutral","sentiment_score":0.011741651222109795,"channel":1,"num_words":4,"start":1185.905,"end":1186.9651},{"sentences":[{"text":"the policy can only pay you the up to, like, 70% of your income.","start":1186.5299,"end":1191.19,"sentiment":"neutral","sentiment_score":-0.0840722466153758},{"text":"The policy, like, is a little bit higher than than what your income would normally allow.","start":1191.89,"end":1197.27,"sentiment":"neutral","sentiment_score":-0.3096268456429243},{"text":"So we can do a","start":1197.33,"end":1198.165,"sentiment":"neutral","sentiment_score":-0.12493436634540558}],"sentiment":"neutral","sentiment_score":-0.19302036613225937,"channel":0,"num_words":35,"start":1186.5299,"end":1198.165},{"sentences":[{"text":"Okay.","start":1198.04,"end":1198.54,"sentiment":"neutral","sentiment_score":-0.11785176396369934}],"sentiment":"neutral","sentiment_score":-0.11785176396369934,"channel":1,"num_words":1,"start":1198.04,"end":1198.54},{"sentences":[{"text":"couple of things.","start":1198.165,"end":1198.885,"sentiment":"neutral","sentiment_score":-0.17958547174930573},{"text":"One can be to just decrease that policy a little bit","start":1198.885,"end":1201.305,"sentiment":"neutral","sentiment_score":-0.2589758742939342}],"sentiment":"neutral","sentiment_score":-0.2419636451772281,"channel":0,"num_words":14,"start":1198.165,"end":1201.305},{"sentences":[{"text":"Yep.","start":1201.645,"end":1202.145,"sentiment":"neutral","sentiment_score":-0.1983480155467987}],"sentiment":"neutral","sentiment_score":-0.1983480155467987,"channel":1,"num_words":1,"start":1201.645,"end":1202.145},{"sentences":[{"text":"just to be in line with where your income sits.","start":1201.685,"end":1203.7051,"sentiment":"neutral","sentiment_score":-0.09134995788335801}],"sentiment":"neutral","sentiment_score":-0.09134995788335801,"channel":0,"num_words":10,"start":1201.685,"end":1203.7051},{"sentences":[{"text":"Mhmm.","start":1204.365,"end":1204.865,"sentiment":"neutral","sentiment_score":-0.032158300280570984}],"sentiment":"neutral","sentiment_score":-0.032158300280570984,"channel":1,"num_words":1,"start":1204.365,"end":1204.865},{"sentences":[{"text":"Alternatively, we can leave it where it is based on you and your income potentially increasing in the future","start":1205.605,"end":1212.905,"sentiment":"neutral","sentiment_score":0.12592241609174953}],"sentiment":"neutral","sentiment_score":0.12592241609174953,"channel":0,"num_words":19,"start":1205.605,"end":1212.905},{"sentences":[{"text":"Yep.","start":1213.805,"end":1214.305,"sentiment":"neutral","sentiment_score":0.08793281018733978}],"sentiment":"neutral","sentiment_score":0.08793281018733978,"channel":1,"num_words":1,"start":1213.805,"end":1214.305},{"sentences":[{"text":"and just request that the policy not CPI increase again for, like, this next year.","start":1213.89,"end":1219.43,"sentiment":"neutral","sentiment_score":0.007724337776501973},{"text":"So that way, we don't drop the benefit if you are expecting an increase in your income.","start":1220.13,"end":1225.3301,"sentiment":"neutral","sentiment_score":-0.12060483238276314},{"text":"However, little bit more cautious on doing it that way purely and simply because you did say that you're looking 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collect.","start":1257.665,"end":1260.325,"sentiment":"negative","sentiment_score":-0.5582513511180878},{"text":"Right?","start":1260.545,"end":1261.045,"sentiment":"neutral","sentiment_score":-0.12120088189840315}],"sentiment":"neutral","sentiment_score":-0.2561112790554762,"channel":0,"num_words":50,"start":1250.21,"end":1261.045},{"sentences":[{"text":"Yeah.","start":1260.715,"end":1261.115,"sentiment":"neutral","sentiment_score":-0.10259177535772324},{"text":"Yeah.","start":1261.115,"end":1261.595,"sentiment":"neutral","sentiment_score":-0.03828633204102516},{"text":"Oh, you're right.","start":1261.595,"end":1262.335,"sentiment":"neutral","sentiment_score":-0.0262385793030262}],"sentiment":"neutral","sentiment_score":-0.0439187690615654,"channel":1,"num_words":5,"start":1260.715,"end":1262.335},{"sentences":[{"text":"Bring that back.","start":1263.025,"end":1263.985,"sentiment":"neutral","sentiment_score":-0.14840605854988098},{"text":"On the life and TPD side, you have $258,000 life TPD.","start":1263.985,"end":1269.65,"sentiment":"neutral","sentiment_score":0.03902107494121248}],"sentiment":"neutral","sentiment_score":-0.0011418822354504045,"channel":0,"num_words":14,"start":1263.025,"end":1269.65},{"sentences":[{"text":"Mhmm.","start":1270.475,"end":1270.975,"sentiment":"neutral","sentiment_score":0.025521842762827873}],"sentiment":"neutral","sentiment_score":0.025521842762827873,"channel":1,"num_words":1,"start":1270.475,"end":1270.975},{"sentences":[{"text":"So, basically, what I see that being is that in the event that something happened to you and you were like, you you passed away, you have what is essentially $653,000 between your super fund and your life insurance policy that is payable to your estate, that's payable to your your next of kin, the choice of your your beneficiary.","start":1271.55,"end":1300.01,"sentiment":"neutral","sentiment_score":0.054037887354691824},{"text":"Now","start":1300.5499,"end":1301.0499,"sentiment":"neutral","sentiment_score":0.03527526184916496}],"sentiment":"neutral","sentiment_score":0.05373030333001105,"channel":0,"num_words":61,"start":1271.55,"end":1301.0499},{"sentences":[{"text":"Yep.","start":1300.97,"end":1301.47,"sentiment":"neutral","sentiment_score":0.0577177032828331}],"sentiment":"neutral","sentiment_score":0.0577177032828331,"channel":1,"num_words":1,"start":1300.97,"end":1301.47},{"sentences":[{"text":"first things first, your Encompass policy does not have a beneficiary listed, so we need to administratively get that in place.","start":1302.3099,"end":1310.185,"sentiment":"neutral","sentiment_score":-0.0629530054117952}],"sentiment":"neutral","sentiment_score":-0.0629530054117952,"channel":0,"num_words":21,"start":1302.3099,"end":1310.185},{"sentences":[{"text":"I thought I okay.","start":1310.735,"end":1311.855,"sentiment":"neutral","sentiment_score":-0.07842608820647001},{"text":"I thought we did that before last year.","start":1311.855,"end":1313.935,"sentiment":"neutral","sentiment_score":-0.07956500072032213},{"text":"Okay.","start":1313.935,"end":1314.415,"sentiment":"neutral","sentiment_score":0.0538141205906868},{"text":"Alright.","start":1314.415,"end":1314.735,"sentiment":"neutral","sentiment_score":0.11155515909194946},{"text":"We'll do that soon.","start":1314.735,"end":1315.795,"sentiment":"neutral","sentiment_score":0.20377375558018684}],"sentiment":"neutral","sentiment_score":0.001679996856384804,"channel":1,"num_words":18,"start":1310.735,"end":1315.795},{"sentences":[{"text":"I I didn't have a a a deep dive into into why it's not in place.","start":1317.1901,"end":1321.35,"sentiment":"neutral","sentiment_score":-0.22500667301937938},{"text":"I just know that it's not.","start":1321.35,"end":1322.89,"sentiment":"neutral","sentiment_score":-0.2820674156149228},{"text":"So whether it bounced because it was not accepted at the time, I'm not a thousand percent sure, but definitely something that we should be looking into to get in","start":1323.43,"end":1335.5751,"sentiment":"neutral","sentiment_score":-0.2215586210290591}],"sentiment":"neutral","sentiment_score":-0.22960134409368038,"channel":0,"num_words":52,"start":1317.1901,"end":1335.5751},{"sentences":[{"text":"Yes.","start":1335.4099,"end":1335.9099,"sentiment":"neutral","sentiment_score":-0.05362569913268089}],"sentiment":"neutral","sentiment_score":-0.05362569913268089,"channel":1,"num_words":1,"start":1335.4099,"end":1335.9099},{"sentences":[{"text":"place.","start":1335.5751,"end":1336.0751,"sentiment":"neutral","sentiment_score":-0.0357942208647728},{"text":"But on your on your HUB twenty four funds, same issue.","start":1337.175,"end":1341.8351,"sentiment":"neutral","sentiment_score":-0.05067341910167174},{"text":"Beneficiary not not listed.","start":1342.375,"end":1343.915,"sentiment":"neutral","sentiment_score":-0.195573627948761},{"text":"I will have a bit more of a look into things.","start":1344.5,"end":1346.5,"sentiment":"neutral","sentiment_score":-0.052961934357881546},{"text":"I meant to it Friday, but my Friday kinda ran away from me, and it's Monday.","start":1346.5,"end":1350.34,"sentiment":"neutral","sentiment_score":-0.23745817551389337}],"sentiment":"neutral","sentiment_score":-0.13389321927760922,"channel":0,"num_words":43,"start":1335.5751,"end":1350.34},{"sentences":[{"text":"So Monday mornings are always fun.","start":1350.34,"end":1352.6,"sentiment":"neutral","sentiment_score":0.12682832653323808},{"text":"So I haven't had a chance to really deep dive and and have a look as to why they bounced, but but, yeah, that they they're they're not in place.","start":1354.98,"end":1362.795,"sentiment":"neutral","sentiment_score":-0.10541503032048544},{"text":"So I wanna get them listed.","start":1362.795,"end":1363.915,"sentiment":"neutral","sentiment_score":0.04479116077224413},{"text":"But, realistically","start":1363.915,"end":1364.555,"sentiment":"neutral","sentiment_score":0.0845918096601963}],"sentiment":"neutral","sentiment_score":-0.04462614469230175,"channel":0,"num_words":44,"start":1350.34,"end":1364.555},{"sentences":[{"text":"Yes.","start":1364.445,"end":1364.945,"sentiment":"neutral","sentiment_score":0.14527884125709534}],"sentiment":"neutral","sentiment_score":0.14527884125709534,"channel":1,"num_words":1,"start":1364.445,"end":1364.945},{"sentences":[{"text":"speaking, what I can do is I can pre fill the the forms out, send them to you.","start":1364.555,"end":1368.495,"sentiment":"neutral","sentiment_score":0.1720531533161799},{"text":"Do you have someone that you specifically want to nominate or","start":1370.235,"end":1374.26,"sentiment":"neutral","sentiment_score":0.10304977677085182}],"sentiment":"neutral","sentiment_score":0.14587945876450376,"channel":0,"num_words":29,"start":1364.555,"end":1374.26},{"sentences":[{"text":"Yeah.","start":1374.365,"end":1374.765,"sentiment":"neutral","sentiment_score":0.09733667224645616},{"text":"I I need to get everything for my my daughter's mother, marital","start":1374.765,"end":1378.6001,"sentiment":"neutral","sentiment_score":0.04464343128105005}],"sentiment":"neutral","sentiment_score":0.04869675750915821,"channel":1,"num_words":13,"start":1374.365,"end":1378.6001},{"sentences":[{"text":"okay.","start":1380.3201,"end":1380.8,"sentiment":"neutral","sentiment_score":0.09184996783733368},{"text":"So there's a couple of different 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currently?","start":1384.08,"end":1385.775,"sentiment":"neutral","sentiment_score":-0.02880446830143531},{"text":"Like, what what year was she born?","start":1386.015,"end":1387.555,"sentiment":"neutral","sentiment_score":-0.030251083629471914}],"sentiment":"neutral","sentiment_score":-0.029583415016531944,"channel":0,"num_words":13,"start":1384.08,"end":1387.555},{"sentences":[{"text":"She's 15.","start":1388.18,"end":1389.0,"sentiment":"neutral","sentiment_score":-0.0031616361811757088},{"text":"She she's coming at 16.","start":1389.06,"end":1390.4401,"sentiment":"neutral","sentiment_score":-0.018406131118535996},{"text":"Born in 2010.","start":1390.5801,"end":1391.685,"sentiment":"neutral","sentiment_score":-0.009987955912947655}],"sentiment":"neutral","sentiment_score":-0.012831779569387436,"channel":1,"num_words":10,"start":1388.18,"end":1391.685},{"sentences":[{"text":"Okay.","start":1392.735,"end":1393.215,"sentiment":"neutral","sentiment_score":-0.01794423535466194},{"text":"So 2010 born, so 16.","start":1393.215,"end":1394.975,"sentiment":"neutral","sentiment_score":-0.026904540508985518},{"text":"So couple years away from what is considered an adult,","start":1394.975,"end":1398.81,"sentiment":"neutral","sentiment_score":-0.19534079730510712}],"sentiment":"neutral","sentiment_score":-0.1316171819344163,"channel":0,"num_words":16,"start":1392.735,"end":1398.81},{"sentences":[{"text":"Yep.","start":1399.3651,"end":1399.8651,"sentiment":"neutral","sentiment_score":-0.052104972302913666}],"sentiment":"neutral","sentiment_score":-0.052104972302913666,"channel":1,"num_words":1,"start":1399.3651,"end":1399.8651},{"sentences":[{"text":"which 18.","start":1401.05,"end":1402.65,"sentiment":"neutral","sentiment_score":-0.05301633104681969},{"text":"No one's an adult.","start":1402.65,"end":1403.63,"sentiment":"neutral","sentiment_score":-0.27312506176531315},{"text":"But your ex wife under this regulation, so it's like, the CIS Act is, like, the superannuation industry act that governs superannuation funds.","start":1404.01,"end":1416.535,"sentiment":"neutral","sentiment_score":-0.12004069271294968},{"text":"An ex wife may actually not be like, it's generally not considered a CIS dependent.","start":1417.635,"end":1423.015,"sentiment":"neutral","sentiment_score":-0.28110021849473316},{"text":"Your daughter will always be considered a CIS dependent","start":1425.075,"end":1427.635,"sentiment":"neutral","sentiment_score":-0.06816681308878793}],"sentiment":"neutral","sentiment_score":-0.16583912144854385,"channel":0,"num_words":53,"start":1401.05,"end":1427.635},{"sentences":[{"text":"Got","start":1427.395,"end":1427.895,"sentiment":"neutral","sentiment_score":-0.05667182058095932}],"sentiment":"neutral","sentiment_score":-0.05667182058095932,"channel":1,"num_words":1,"start":1427.395,"end":1427.895},{"sentences":[{"text":"because she is your daughter.","start":1427.635,"end":1428.855,"sentiment":"neutral","sentiment_score":-0.031249966472387314},{"text":"The way around that is if I guess, there's there's two ways around it.","start":1430.99,"end":1436.19,"sentiment":"neutral","sentiment_score":0.04167340536202703},{"text":"One is that you can actually nominate your daughter to receive all of the benefits, and what that means is that while she is a child, the money will be hers, but, essentially, her guardian, which is your ex wife, Angela, would be the person to kind of, a, fill out all the documents and paperwork on your daughter's behalf, but, b, would would also be able to be sort of, like, a trustee for the 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week.","start":1889.5701,"end":1891.1901,"sentiment":"neutral","sentiment_score":-0.01566579705104232},{"text":"After the advice has been executed, because it's obviously been nearly twelve it has been twelve months, I will be sitting down personally.","start":1891.49,"end":1898.335,"sentiment":"neutral","sentiment_score":-0.08908533871821735},{"text":"So I'm the head of advice.","start":1898.395,"end":1899.355,"sentiment":"neutral","sentiment_score":-0.04576492682099342},{"text":"So I will sit personally sit down and audit to see whether there's been any financial detriment to your file in terms of had the advice been implemented, whether you're out of pocket for investment that you should have otherwise earned.","start":1899.355,"end":1913.4601,"sentiment":"neutral","sentiment_score":-0.21605885683036433},{"text":"If you","start":1913.76,"end":1914.24,"sentiment":"neutral","sentiment_score":-0.10965883731842042}],"sentiment":"neutral","sentiment_score":-0.15084139926751194,"channel":0,"num_words":76,"start":1889.5701,"end":1914.24},{"sentences":[{"text":"Yeah.","start":1914.045,"end":1914.545,"sentiment":"neutral","sentiment_score":-0.12136813998222352}],"sentiment":"neutral","sentiment_score":-0.12136813998222352,"channel":1,"num_words":1,"start":1914.045,"end":1914.545},{"sentences":[{"text":"have, we will obviously remediate that.","start":1914.24,"end":1917.3,"sentiment":"neutral","sentiment_score":-0.21527149528265},{"text":"But irrespective of any outcome, you will see receive a letter in writing from myself stipulating the review, the outcome, and whether there's been detriment or money at because we did not make the change.","start":1917.84,"end":1931.935,"sentiment":"neutral","sentiment_score":-0.17092886082828046},{"text":"Okay?","start":1932.395,"end":1932.895,"sentiment":"neutral","sentiment_score":0.06240207701921463},{"text":"Cool.","start":1934.3151,"end":1934.8151,"sentiment":"neutral","sentiment_score":0.19010964035987857},{"text":"Otherwise, the investments that were recommended, I actually have no major issues with them.","start":1935.72,"end":1940.86,"sentiment":"neutral","sentiment_score":0.13188224392277853}],"sentiment":"neutral","sentiment_score":-0.09079431523487233,"channel":0,"num_words":57,"start":1914.24,"end":1940.86},{"sentences":[{"text":"I will go through and still have another look to see whether there is any changes we could possibly make.","start":1941.64,"end":1948.0599,"sentiment":"neutral","sentiment_score":0.04304642211645841},{"text":"There's always changes in the market that do happen.","start":1948.785,"end":1950.9451,"sentiment":"neutral","sentiment_score":-0.061870339843961925},{"text":"There are always, you know, like, economic changes that could influence the investment options that you hold.","start":1950.9451,"end":1961.685,"sentiment":"neutral","sentiment_score":-0.07584621932576685},{"text":"But, essentially speaking, the the remediation review and the review of your investment options are two separate entities in and of themselves,","start":1962.37,"end":1971.6699,"sentiment":"neutral","sentiment_score":-0.0694361361251636}],"sentiment":"neutral","sentiment_score":-0.03695419616997242,"channel":0,"num_words":68,"start":1941.64,"end":1971.6699},{"sentences":[{"text":"Yep.","start":1972.4149,"end":1972.9149,"sentiment":"neutral","sentiment_score":-0.02426164224743843}],"sentiment":"neutral","sentiment_score":-0.02426164224743843,"channel":1,"num_words":1,"start":1972.4149,"end":1972.9149},{"sentences":[{"text":"and I will handle I'll handle both of them.","start":1972.45,"end":1974.735,"sentiment":"neutral","sentiment_score":-0.026159417608545885},{"text":"So if I do wanna make any changes to your fund moving forward, that'll be a statement of advice.","start":1975.215,"end":1980.895,"sentiment":"neutral","sentiment_score":0.00023222498987850371},{"text":"I would advise you of some of those investment changes that I wanna do while still considering and looking at the remediation side of things anyway.","start":1980.895,"end":1988.815,"sentiment":"neutral","sentiment_score":0.04198071346260034},{"text":"Okay?","start":1988.815,"end":1989.27,"sentiment":"neutral","sentiment_score":0.09804147481918336}],"sentiment":"neutral","sentiment_score":0.017427591657774015,"channel":0,"num_words":55,"start":1972.45,"end":1989.27},{"sentences":[{"text":"Okay.","start":1989.3501,"end":1989.8301,"sentiment":"neutral","sentiment_score":0.18856853246688843},{"text":"That works.","start":1989.8301,"end":1990.55,"sentiment":"neutral","sentiment_score":0.3139132261276245},{"text":"Thank you for that.","start":1990.55,"end":1991.61,"sentiment":"positive","sentiment_score":0.5357162207365036}],"sentiment":"positive","sentiment_score":0.42275140966687885,"channel":1,"num_words":7,"start":1989.3501,"end":1991.61},{"sentences":[{"text":"No.","start":1991.99,"end":1992.23,"sentiment":"neutral","sentiment_score":-0.008719176054000854},{"text":"That's okay.","start":1992.23,"end":1993.13,"sentiment":"neutral","sentiment_score":-0.016876189969480038},{"text":"I had meant to kind of literally start the call and and go into it, but we're not talking about Snap on and and motor vehicles and everything else.","start":1993.43,"end":2003.21,"sentiment":"neutral","sentiment_score":-0.01659305701995718},{"text":"Perfect.","start":2005.5651,"end":2006.0651,"sentiment":"positive","sentiment_score":0.7973109483718872},{"text":"So I guess so kind of, I guess, tie things in and and for me to kind of look at the super funds and where things are sitting.","start":2006.4451,"end":2014.145,"sentiment":"neutral","sentiment_score":0.18991158264023916}],"sentiment":"neutral","sentiment_score":0.09165844348732566,"channel":0,"num_words":61,"start":1991.99,"end":2014.145},{"sentences":[{"text":"I do wanna look at where your goal is set and what you're aiming to do.","start":2014.365,"end":2018.0499,"sentiment":"positive","sentiment_score":0.3725585089996457},{"text":"Even though I know I I've got a really pretty good feel for where you're at now based on our call.","start":2018.0499,"end":2022.71,"sentiment":"positive","sentiment_score":0.39453191132772536},{"text":"I guess, what kind of goals do you set for yourself?","start":2023.6499,"end":2026.7699,"sentiment":"neutral","sentiment_score":0.2046262716705149},{"text":"Do you do you think you can remember the goals that you set twelve months ago and where they fit?","start":2026.7699,"end":2030.7899,"sentiment":"neutral","sentiment_score":0.17295128256082534}],"sentiment":"neutral","sentiment_score":0.293470895903952,"channel":0,"num_words":68,"start":2014.365,"end":2030.7899},{"sentences":[{"text":"I think most of it was just to get obviously, we're looking to try to continue having some sort of income out of a potential retirement, which I don't really have a date for.","start":2031.04,"end":2040.16,"sentiment":"neutral","sentiment_score":0.20218056089737835},{"text":"But the the biggest thing was that making sure my daughter I can financially support my daughter if she needed anything.","start":2040.16,"end":2047.8151,"sentiment":"positive","sentiment_score":0.4132048821165448},{"text":"There's really the main two things.","start":2048.2751,"end":2050.055,"sentiment":"neutral","sentiment_score":0.2326759397983551},{"text":"I think we we've seen a certain along with what I was looking to do, like the actual work shift and everything else that I've been talking about just the quality of life thing that, you know, hopefully successful.","start":2050.2751,"end":2061.1099,"sentiment":"neutral","sentiment_score":0.27679833884422594},{"text":"And I might put myself in a better position long term.","start":2061.89,"end":2064.79,"sentiment":"neutral","sentiment_score":0.30684155361218884}],"sentiment":"neutral","sentiment_score":0.2803413471928588,"channel":1,"num_words":111,"start":2031.04,"end":2064.79},{"sentences":[{"text":"But, yes, at the moment, it's just it's just all flawed at this stage.","start":2065.49,"end":2069.57,"sentiment":"negative","sentiment_score":-0.4062175058892795},{"text":"There's nothing in in mind.","start":2069.57,"end":2070.93,"sentiment":"negative","sentiment_score":-0.38395745158195493},{"text":"So nothing's still in concrete at the minute.","start":2070.93,"end":2073.045,"sentiment":"neutral","sentiment_score":-0.2779623828828335},{"text":"But, yeah, basically, it's the main 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income.","start":2104.35,"end":2126.42,"sentiment":"neutral","sentiment_score":0.18602646270936185},{"text":"And we could look at sort of doing, like, a bit of an investment account that's for her where we could sort of look at maybe, like, a ten year time frame or a five year or two year or whatever the case may be.","start":2128.6401,"end":2139.895,"sentiment":"neutral","sentiment_score":0.10626416454712549},{"text":"We could do sort of a investment account that is it depends on how you wanna structure it.","start":2140.595,"end":2145.5552,"sentiment":"neutral","sentiment_score":0.13930022592345873},{"text":"There's there's what's called, like, a child bond on one side where you put money in.","start":2145.5552,"end":2150.28,"sentiment":"neutral","sentiment_score":0.07664146856404841}],"sentiment":"neutral","sentiment_score":0.14953306468425098,"channel":0,"num_words":143,"start":2100.19,"end":2150.28},{"sentences":[{"text":"It has a ten year release time 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26 mentally, pretty stable, probably has a bit of an idea as to where she would wanna go.","start":2170.575,"end":2179.59,"sentiment":"neutral","sentiment_score":0.17897875435077226},{"text":"So the money sitting there, you know, could go towards a house deposit, further education,","start":2180.47,"end":2184.87,"sentiment":"neutral","sentiment_score":0.14661838014920553}],"sentiment":"neutral","sentiment_score":0.16713959305751613,"channel":0,"num_words":41,"start":2170.575,"end":2184.87},{"sentences":[{"text":"Yes.","start":2184.615,"end":2185.115,"sentiment":"neutral","sentiment_score":0.18726950883865356}],"sentiment":"neutral","sentiment_score":0.18726950883865356,"channel":1,"num_words":1,"start":2184.615,"end":2185.115},{"sentences":[{"text":"whatever the case may be.","start":2184.87,"end":2186.1702,"sentiment":"neutral","sentiment_score":0.1688632845878601},{"text":"But it depends on what you want the money to be there 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it's, like, kind of a step up from that, where we can kind of invest it a little bit and stuff like that.","start":2237.55,"end":2242.1902,"sentiment":"neutral","sentiment_score":0.2512020741899808},{"text":"But,","start":2242.1902,"end":2242.6902,"sentiment":"neutral","sentiment_score":0.10081051290035248}],"sentiment":"neutral","sentiment_score":0.23543708044319198,"channel":0,"num_words":26,"start":2236.59,"end":2242.6902},{"sentences":[{"text":"Yep.","start":2242.6748,"end":2243.1748,"sentiment":"neutral","sentiment_score":0.09422586858272552}],"sentiment":"neutral","sentiment_score":0.09422586858272552,"channel":1,"num_words":1,"start":2242.6748,"end":2243.1748},{"sentences":[{"text":"again, it just kind of depends on where the root of I wanna I want options to help support my daughter really comes from.","start":2242.9102,"end":2249.625,"sentiment":"neutral","sentiment_score":0.09765127549568813}],"sentiment":"neutral","sentiment_score":0.09765127549568813,"channel":0,"num_words":24,"start":2242.9102,"end":2249.625},{"sentences":[{"text":"Mhmm.","start":2249.4749,"end":2249.9749,"sentiment":"neutral","sentiment_score":0.06616629660129547},{"text":"Yeah.","start":2250.035,"end":2250.4348,"sentiment":"neutral","sentiment_score":0.15460285544395447},{"text":"Yep.","start":2250.4348,"end":2250.9348,"sentiment":"neutral","sentiment_score":0.1827699840068817}],"sentiment":"neutral","sentiment_score":0.13451304535071054,"channel":1,"num_words":3,"start":2249.4749,"end":2250.9348},{"sentences":[{"text":"Is it is it that I wanna make sure that she's set up and she's gonna be stable for the future, or is it that I wanna make sure that if if her mom loses her job or or, you know, if she does wanna go to uni that I have money available that I can support her in uni so she's not going to have to live off ramen,","start":2250.505,"end":2266.15,"sentiment":"neutral","sentiment_score":0.14948075062462263}],"sentiment":"neutral","sentiment_score":0.14948075062462263,"channel":0,"num_words":70,"start":2250.505,"end":2266.15},{"sentences":[{"text":"Yeah.","start":2266.97,"end":2267.325,"sentiment":"neutral","sentiment_score":0.1544237732887268}],"sentiment":"neutral","sentiment_score":0.1544237732887268,"channel":1,"num_words":1,"start":2266.97,"end":2267.325},{"sentences":[{"text":"which,","start":2267.81,"end":2268.31,"sentiment":"neutral","sentiment_score":0.14323854446411133}],"sentiment":"neutral","sentiment_score":0.14323854446411133,"channel":0,"num_words":1,"start":2267.81,"end":2268.31},{"sentences":[{"text":"Yep.","start":2267.9648,"end":2268.4648,"sentiment":"neutral","sentiment_score":0.2113303244113922}],"sentiment":"neutral","sentiment_score":0.2113303244113922,"channel":1,"num_words":1,"start":2267.9648,"end":2268.4648},{"sentences":[{"text":"mind you, ramen lifestyle in uni wasn't that bad.","start":2268.3699,"end":2271.43,"sentiment":"neutral","sentiment_score":0.2203779791792234}],"sentiment":"neutral","sentiment_score":0.2203779791792234,"channel":0,"num_words":9,"start":2268.3699,"end":2271.43},{"sentences":[{"text":"That's all she wanted.","start":2274.125,"end":2275.085,"sentiment":"positive","sentiment_score":0.3609401285648346},{"text":"I was down.","start":2275.085,"end":2275.645,"sentiment":"neutral","sentiment_score":-0.043528531988461815},{"text":"We also spent the weekend with her as well.","start":2275.645,"end":2277.325,"sentiment":"positive","sentiment_score":0.38909591568840873},{"text":"That's all she wanted.","start":2277.325,"end":2278.365,"sentiment":"positive","sentiment_score":0.4113042429089546},{"text":"Last night after the movie, I've got needles at 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contact.","start":2476.59,"end":2479.07,"sentiment":"neutral","sentiment_score":0.2915205772106464}],"sentiment":"positive","sentiment_score":0.36875170029022475,"channel":0,"num_words":44,"start":2464.065,"end":2479.07},{"sentences":[{"text":"You can come straight back and ask anything you might have.","start":2479.07,"end":2481.8901,"sentiment":"neutral","sentiment_score":0.28768816454844043}],"sentiment":"neutral","sentiment_score":0.28768816454844043,"channel":0,"num_words":11,"start":2479.07,"end":2481.8901},{"sentences":[{"text":"Fantastic.","start":2482.55,"end":2483.03,"sentiment":"positive","sentiment_score":0.8258427381515503},{"text":"Thank you so much for your time.","start":2483.03,"end":2484.73,"sentiment":"positive","sentiment_score":0.8574908716338021}],"sentiment":"positive","sentiment_score":0.8535348549485207,"channel":1,"num_words":8,"start":2482.55,"end":2484.73},{"sentences":[{"text":"Not wrong at all, Scott.","start":2485.07,"end":2486.1902,"sentiment":"positive","sentiment_score":0.6811843514442444},{"text":"You have a good one.","start":2486.1902,"end":2486.99,"sentiment":"positive","sentiment_score":0.7598653316497803},{"text":"Drive safe, Sydney.","start":2486.99,"end":2487.9702,"sentiment":"positive","sentiment_score":0.5398220419883728}],"sentiment":"positive","sentiment_score":0.6788241954950186,"channel":0,"num_words":13,"start":2485.07,"end":2487.9702},{"sentences":[{"text":"Will do.","start":2488.433,"end":2488.833,"sentiment":"positive","sentiment_score":0.5569351315498352},{"text":"You too.","start":2488.833,"end":2489.313,"sentiment":"positive","sentiment_score":0.41451597213745117},{"text":"Thanks.","start":2489.313,"end":2489.7131,"sentiment":"positive","sentiment_score":0.660699725151062},{"text":"Talk to 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They discuss their asset management plan, debt reduction, and credit card debt. The speakers emphasize the importance of maintaining a stable financial outlook and maintaining a positive financial outlook for future investments. They also mention the possibility of setting up an investment account for the daughter to help support her financial goals. The speaker provides documents and insurance policy information for the clients to review and sign, and the client can call back with any questions."},"intents":{"segments":[{"text":"Well, the reason why I called today is, of course, to go through your annual review, have a conversation with you with regards to where things fit now and where we could possibly move in the future with respect to your advice, your personal position, and ultimately everything that's happening, whether there might be maybe some new advice strategies we could implement as well. Okay.","start_word":54,"end_word":118,"intents":[{"intent":"Review financial situation","confidence_score":0.010576242}]},{"text":"Well, I'm sort of managing the workshop. I'm still hands on.","start_word":397,"end_word":407,"intents":[{"intent":"Manage workshop","confidence_score":0.06891938}]},{"text":"subcontracting to another another partner, basically, to make the like to do events and and direct through a wholesaler rather than doing retail direct retail work. Okay.","start_word":435,"end_word":461,"intents":[{"intent":"Subcontract to partner","confidence_score":0.21618687},{"intent":"Attend events","confidence_score":0.022839583}]},{"text":"And we're still wanting to sort of keep to that 130,000 that go self employed. Have you, Yeah.","start_word":597,"end_word":614,"intents":[{"intent":"Keep self-employed","confidence_score":0.2638864}]},{"text":"I I guess, thought of or looked at, like, a structure that you would have for the business or, I guess, like, where the work would come in from?","start_word":615,"end_word":643,"intents":[{"intent":"Structure business","confidence_score":0.10793456},{"intent":"Discuss contact and structure","confidence_score":0.0005483616}]},{"text":"I can lock everything down. Mhmm.","start_word":710,"end_word":715,"intents":[{"intent":"Lock down","confidence_score":0.16512808}]},{"text":"I can lock everything down. Mhmm. And then that that'll end up if that all goes well, that'll determine when my when I finish at ProCycles and when I start doing this.","start_word":710,"end_word":741,"intents":[{"intent":"Have","confidence_score":0.07246694}]},{"text":"So and the actual offer to contract the ProCycles on the where there's other, like, in between events and things like that as well. So Yep.","start_word":741,"end_word":766,"intents":[{"intent":"Contract","confidence_score":0.6628431}]},{"text":"At the moment, I'll probably continue just leaving things as they are as far Mhmm.","start_word":811,"end_word":825,"intents":[{"intent":"Keep moving","confidence_score":0.00066377124}]},{"text":"Well, let me run through, and I just have a quick look to make sure that everything that I have on file is still appropriate for where you're at now. Yep.","start_word":888,"end_word":918,"intents":[{"intent":"Confirm","confidence_score":0.023657007},{"intent":"Check","confidence_score":0.23414542},{"intent":"Make sure","confidence_score":0.00009475265}]},{"text":"We obviously just talked about work. $130,000 is what I have as income gross Yep. per annum. And then I have about $1,500 that in what you have an expend expenditure per week and about a $100 per week in savings. Does that still sound appropriate? Pretty.","start_word":989,"end_word":1035,"intents":[{"intent":"Work with","confidence_score":0.00024321929}]},{"text":"$130,000 is what I have as income gross Yep. per annum. And then I have about $1,500 that in what you have an expend expenditure per week and about a $100 per week in savings. Does that still sound appropriate?","start_word":995,"end_word":1034,"intents":[{"intent":"Save","confidence_score":0.056622535}]},{"text":"Yeah.","start_word":1036,"end_word":1036,"intents":[{"intent":"End conversation","confidence_score":0.011846095}]},{"text":"So, hopefully, I'm clearing out a couple of I'm trying to clear up all the five, payment requirements through the month or through the week.","start_word":1049,"end_word":1073,"intents":[{"intent":"Resolve payment requirements","confidence_score":0.019536193}]},{"text":"Because, like, realistically, on a $130,000 a year, that would make your weekly income about 2,500, after tax about $18.80.","start_word":1158,"end_word":1177,"intents":[{"intent":"Determine monthly expenses","confidence_score":0.11064499},{"intent":"Determine net income","confidence_score":0.00019242185},{"intent":"Set up monthly income","confidence_score":0.00021309625}]},{"text":"We But if I re laser on, the only thing I'll consider doing is probably rolling this one over and just keep the same vehicle.","start_word":1361,"end_word":1385,"intents":[{"intent":"Consider switching vehicle","confidence_score":0.0013626476}]},{"text":"And so I think well, what do you so probably down about 30 now I suspect, debt. because the yeah. Just payment. So one of them is nearly completely paid out. The other one still got a few years ago, and I have to I have to roll over the residual on the on the older one. And I think that's 11 for memory, so that's just kicked off. That is probably still yeah.","start_word":1416,"end_word":1489,"intents":[{"intent":"Recount debt","confidence_score":0.0015887665}]},{"text":"How many bikes do we have in total? Sorry.","start_word":1500,"end_word":1508,"intents":[{"intent":"Clarify bike size","confidence_score":0.0054217125}]},{"text":"At this point, you have more bikes than you do hands or capacity to ride them at one point, but I can't make choices. It's diversity.","start_word":1530,"end_word":1555,"intents":[{"intent":"Describe bike riding capabilities","confidence_score":0.0000020048774},{"intent":"Make decisions","confidence_score":0.00010494509},{"intent":"Plan ride with equipment","confidence_score":7.54158e-8}]},{"text":"And if anyone else can leave me, I can help that. Yeah.","start_word":1636,"end_word":1647,"intents":[{"intent":"Express urgency for extra features","confidence_score":1.0406559e-9}]},{"text":"I think it's it's like, Snap on have done it really well by coming to you. They they they they cornered the market really early, and they did really, really well by by doing what they've done. But, yeah, sometimes you kinda just get caught unawares, and you're like, you sit there and think about how you you could really use this tool, and then somehow, the SnapOn guy just rocks up.","start_word":1929,"end_word":2000,"intents":[{"intent":"Evaluate tool impact","confidence_score":0.007740694}]},{"text":"Are there any other assets or debts that I need to know about before we jump in? No.","start_word":2544,"end_word":2561,"intents":[{"intent":"Seek information about debt","confidence_score":0.000061700404}]},{"text":"I haven't had time to sit down and see if he's offering what at the moment and and try and I guess, I don't know if that's probably You something know the I need to have a look at. so there's there's brokers that do this for you, and then the banks Okay. pay them a commission for doing all the work and getting the client to the bank. Yep.","start_word":2743,"end_word":2812,"intents":[{"intent":"Schedule meeting with broker","confidence_score":0.002602403}]},{"text":"I'm I'm driving, so you're obviously getting disturbed. So I could actually talk to speak on the pop up the Fair. phone back.","start_word":3104,"end_word":3126,"intents":[{"intent":"Arrange conversation","confidence_score":0.008490049},{"intent":"Encourage conversation","confidence_score":0.0005598452}]},{"text":"If you got someone that you'd recommend, I'd appreciate that greatly. Yeah.","start_word":3261,"end_word":3272,"intents":[{"intent":"Recommend recommendation","confidence_score":0.186976},{"intent":"Help broker","confidence_score":0.0073897834}]},{"text":"One can be to just decrease that policy a little bit Yep. just to be in line with where your income sits. Mhmm.","start_word":3568,"end_word":3590,"intents":[{"intent":"Address inflation concerns","confidence_score":0.0022305597}]},{"text":"On the life and TPD side, you have $258,000 life TPD. Mhmm. So, basically, what I see that being is that in the event that something happened to you and you were like, you you passed away, you have what is essentially $653,000 between your super fund and your life insurance policy that is payable to your estate, that's payable to your your next of kin, the choice of your your beneficiary. Now Yep.","start_word":3774,"end_word":3847,"intents":[{"intent":"Obtain information on beneficiary's income and eligibility for eligibility","confidence_score":4.01291e-9}]},{"text":"But your ex wife under this regulation, so it's like, the CIS Act is, like, the superannuation industry act that governs superannuation funds. An ex wife may actually not be like, it's generally not considered a CIS dependent.","start_word":4128,"end_word":4165,"intents":[{"intent":"Inform about ex wife's eligibility","confidence_score":0.00059880735}]},{"text":"Your daughter will always be considered a CIS dependent Got because she is your daughter.","start_word":4165,"end_word":4179,"intents":[{"intent":"Represent daughter's case","confidence_score":0.000008670713}]},{"text":"Essentially, yes, Angela still gets the money in that way, but it means that in two years' time or, you know, in '28 2028 when your daughter turns 18, you don't need to update the beneficiary nominations because she is an adult. And at that time, she's actually able to claim the money Yeah.","start_word":4286,"end_word":4339,"intents":[{"intent":"Explain benefits to daughter","confidence_score":0.00009846282},{"intent":"Explain future steps for ex wife's benefit","confidence_score":0.000018016439},{"intent":"Explain benefit disbursement of funds","confidence_score":8.0169144e-7},{"intent":"Discuss future nominations","confidence_score":0.00008448823}]},{"text":"herself Okay.","start_word":4340,"end_word":4341,"intents":[{"intent":"State how to nominate female","confidence_score":7.403529e-8}]},{"text":"avenue around it is instead of making a a direct nomination with the fund for, you know, a specific person, is you can actually nominate what's called your legal personal representative, which means that you're nominating your estate.","start_word":4357,"end_word":4394,"intents":[{"intent":"Discuss personal representative's role as trustee","confidence_score":0.00016515805}]},{"text":"It means that, I guess, essentially, if you want to go down the route of going and doing a will, you could be more specific with how you want Angela to utilize the funds in the event that you passed away before your daughter turned 18. Or if you did a direct nomination, again, you can nominate your daughter, but Angela essentially receives the funds and is able to use them to help support your daughter.","start_word":4476,"end_word":4551,"intents":[{"intent":"Discuss financial options","confidence_score":0.00016033537}]},{"text":"And essentially speaking, if something happened to you, the hope is is that Angela, you know, your daughter would come and see us, have a chat to us, and we could look at, say, instead of a lump sum benefit being paid out, maybe an income stream where because Yes.","start_word":5023,"end_word":5072,"intents":[{"intent":"Discuss benefits","confidence_score":0.0013838571}]},{"text":"But but, yeah, what I'll do is definitely, first and foremost, documents, beneficiaries, we need to get them in Yep. Yeah.","start_word":5158,"end_word":5178,"intents":[{"intent":"Understand issue","confidence_score":0.000008774035}]},{"text":"Thank you for the info on that. That's place. fine.","start_word":5197,"end_word":5206,"intents":[{"intent":"Provide information","confidence_score":0.02899812},{"intent":"Provide information","confidence_score":0.030947737}]},{"text":"How do I spell Alice's name? Is it just a l I c e? Yes.","start_word":5209,"end_word":5223,"intents":[{"intent":"Provide name","confidence_score":0.007980395}]},{"text":"So date of birth? 2010, the month and date? Yeah.","start_word":5247,"end_word":5256,"intents":[{"intent":"Confirm information","confidence_score":0.011718167}]},{"text":"And address that she lives at? Unit 25 Winifred Street in. Frank.","start_word":5262,"end_word":5273,"intents":[{"intent":"Provide address","confidence_score":0.10654506},{"intent":"Address concern","confidence_score":0.000018974164}]},{"text":"I can look it up. I always double check my spelling on streets and such anyway, Yeah.","start_word":5287,"end_word":5303,"intents":[{"intent":"Request check","confidence_score":0.000037110487}]},{"text":"Well, I will prefill the documents, and there's one or two options. I can post them to you where I can email them to you. Email means you need to print, sign, scan, and send back. Post, Yep.","start_word":5326,"end_word":5363,"intents":[{"intent":"Send documents","confidence_score":0.123404},{"intent":"Prefill documents","confidence_score":0.08445273},{"intent":"Send documents","confidence_score":0.064084634}]},{"text":"So insurance side, I'm gonna have a look at the IP, look at lowering it a little bit, see whether there's it's gonna create much of a difference in terms of premiums. Yep.","start_word":5427,"end_word":5459,"intents":[{"intent":"Discuss insurance","confidence_score":0.060484312},{"intent":"Discuss ip","confidence_score":0.024224037}]},{"text":"Otherwise, the investments that were recommended, I actually have no major issues with them. I will go through and still have another look to see whether there is any changes we could possibly make.","start_word":5674,"end_word":5707,"intents":[{"intent":"Discuss investments","confidence_score":0.03147088}]},{"text":"I do wanna look at where your goal is set and what you're aiming to do. Even though I know I I've got a really pretty good feel for where you're at now based on our call. I guess, what kind of goals do you set for yourself? Do you do you think you can remember the goals that you set twelve months ago and where they fit?","start_word":5880,"end_word":5947,"intents":[{"intent":"Set goals","confidence_score":0.09976328},{"intent":"Determine goals","confidence_score":0.003943635}]},{"text":"But the the biggest thing was that making sure my daughter I can financially support my daughter if she needed anything.","start_word":5982,"end_word":6002,"intents":[{"intent":"Support daughter","confidence_score":0.17067285}]},{"text":"Two things are just some income to live off, outside of retirement, and option to help my daughter if she needs something as well. Yeah. Amazing.","start_word":6093,"end_word":6118,"intents":[{"intent":"Provide income","confidence_score":0.16138428}]},{"text":"The income to live off for retirement, that is obviously where the super fund definitely kicks in. The option to help your daughter, she's 16 now. There's a few different things we could sort of look at, and I guess some of it does really depend on where that, I guess, savings per week sits and or possibly getting getting a bit of those assets sorry, the debts paid down to to have you, like so you have more disposable income.","start_word":6140,"end_word":6220,"intents":[{"intent":"Plan future future contributions","confidence_score":1.8156415e-8}]},{"text":"And we could look at sort of doing, like, a bit of an investment account that's for her where we could sort of look at maybe, like, a ten year time frame or a five year or two year or whatever the case may be.","start_word":6222,"end_word":6266,"intents":[{"intent":"Set up and set up investment account","confidence_score":0.0005809512},{"intent":"Build investment account","confidence_score":0.00014718759},{"intent":"Explain options for investment account","confidence_score":0.00013196879}]},{"text":"And the investment account could be specifically set up for her for later. The painful thing about that is that you are the owner of that investment account. If you sell that on any investments, when you do liquidate the assets, there is a capital gains liability. You get personally implicated for the tax side of things, but you could utilize, like, that sort of investment account to specifically set her up for her future, which is very Yeah.","start_word":6443,"end_word":6521,"intents":[{"intent":"Set up investment account for future use","confidence_score":0.013192301},{"intent":"Use investment account for future use","confidence_score":0.010910898}]},{"text":"clean up the the the debts owed and get them paid down a little bit faster or get them, you know, just get them ticking along, get you Yep.","start_word":6912,"end_word":6940,"intents":[{"intent":"Clean up debts","confidence_score":0.6569629}]},{"text":"is I can work with the I can work with the broker where Mhmm.","start_word":6955,"end_word":6968,"intents":[{"intent":"Work with broker","confidence_score":0.24962439}]},{"text":"And I can kind of tie that into my advice that, you know, if we're gonna save a little bit of money, whether maybe we put it back into paying the debts off or Yep. whether we can maybe use that to actually set up these these accounts Yeah. Okay.","start_word":7001,"end_word":7050,"intents":[{"intent":"Save money","confidence_score":0.057559315}]},{"text":"whether we can maybe use that to actually set up these these accounts Yeah.","start_word":7036,"end_word":7049,"intents":[{"intent":"Set up accounts","confidence_score":0.9191468}]},{"text":"But what I wanna do is I'm gonna send that out to you for you to sort of look over, and you're able to come back to me with any questions. I will obviously be reaching out to you in the next couple of weeks anyway to have a chat about the few things that we talked about today.","start_word":7138,"end_word":7196,"intents":[{"intent":"Send documents to speaker","confidence_score":0.0001163404}]}]},"sentiments":{"segments":[{"text":"Hi, Scott. Larissa here. How are you going?","start_word":0,"end_word":7,"sentiment":"neutral","sentiment_score":0.2135108113288879},{"text":"Good, Laura.","start_word":8,"end_word":9,"sentiment":"positive","sentiment_score":0.446498841047287},{"text":"Sorry. I missed you. I was just trying to get connected, and it dropped out. No. You're so okay. I called you again, and I left a voice mail, but I think you might have already been on the phone to Sam anyway.","start_word":10,"end_word":52,"sentiment":"neutral","sentiment_score":0.011851363815367222},{"text":"Perfect.","start_word":53,"end_word":53,"sentiment":"positive","sentiment_score":0.6160869598388672},{"text":"Well, the reason why I called today is, of course, to go through your annual review, have a conversation with you with regards to where things fit now and where we could possibly move in the future with respect to your advice, your personal position, and ultimately everything that's happening, whether there might be maybe some new advice strategies we could implement as well. Okay. But before I keep talking your ear off and asking a million questions, I guess the best question I can ask is where does everything sit for you now, and and is there any major changes that have happened or things that you do wanna investigate? Nothing changed at the moment. Everything's going well. The only thing that might be I'm considering is leaving my current employer and perhaps going self employed Okay. within the next three to six months potentially. Like, I'm Yep. still in the process of putting things together there. So that's that's only a good change in the future, but as it stands at the moment, everything's still tracking as normal. Yep. Okay. Cool. So, I guess if we do go self employed, what does that kind of look like for you? At this stage, I'll basically build the same thing I'm doing now. I'm trying trying to maintain the same amount of ink, but not increase it. Yep. The bay I'll probably end up basing if it all goes to plan, would be based in Victoria. Still doing a lot of this remote type work that I'm doing at the moment, so which is a bit ad hoc, but I'm trying maybe trying to grab a bit of time perhaps to, as required, like, twelve hour days and six days a week things that I can get away from that would be a bit better. Yep. Because real like, Workwise, I have you working at, like, ProCycles. That's right. Could I guess, can you like because, like, it's it's management management of an order like, a a a a auto shop. How Yeah. Well, I'm sort of managing the workshop. I'm still hands on. So I'd still be doing similar. I'll still be staying in the industry, but just perhaps more more out of the public side yeah. of things, Yep. subcontracting to another another partner, basically, to make the like to do events and and direct through a wholesaler rather than doing retail direct retail work. Okay. Alright. Because, like so at the moment, a lot of your work can be remote, by the sounds of it. It is. I do. I still do a lot of like, at the moment, I'm transporting back to New South Wales. Yep. But in the last two weeks, start of the month, I was in to Adelaide on an event, and so we did about 8,000 k's in two weeks. Yep. So, Wow. yeah, still a lot of there's still a lot of on the road type work happening. I've gotta go to Tasmania for another week, early next month. And if things go to plan, I'll probably be doing 12 to 13 events in a year next year. So it's pretty much tripling what I'm doing now. Yep. Okay. Busy boy. Understood. Cool. Alright. And we're still wanting to sort of keep to that 130,000 that go self employed. Have you, Yeah. I I guess, thought of or looked at, like, a structure that you would have for the business or, I guess, like, where the work would come in from? Like, you've you've been Sure. in the Yes. industry for for a really long time. You've you're thirty years in industry, Yeah. so you've you've got the contact. I do. Yes. So so I think, yeah, like I said, I did the meetings I'm having the meetings start within the next two weeks to try and see if this is something that's gonna be viable. I can lock everything down. Mhmm. And then that that'll end up if that all goes well, that'll determine when my when I finish at ProCycles and when I start doing this. So and the actual offer to contract the ProCycles on the where there's other, like, in between events and things like that as well. So Yep. I've also got some other dealerships that are sort of interested in that situation as well. So when their staff's away, when their workload's a bit heavier. So Yeah. so, yeah, I think I think we've got some potential there to make that work. At the moment, I'll probably continue just leaving things as they are as far Mhmm. as the super room goes. And then if it seems to pick up a bit more Mhmm. on advice, obviously, potentially put more money into Super as required to give us a tax benefit and go from there. So Yeah. but obviously, Okay. that'll depend on how things took off. Yeah. How how it's actually flowing from there. No.","start_word":54,"end_word":884,"sentiment":"neutral","sentiment_score":0.05835586237058797},{"text":"That's amazing.","start_word":885,"end_word":886,"sentiment":"positive","sentiment_score":0.4428088366985321},{"text":"Okay. Well, let me run through, and I just have a quick look to make sure that everything that I have on file is still appropriate for where you're at now. Yep. Yep. So I've got that you're single of I have, like, contact number as I called you on this morning. S dot norman seventy three hot mail dot com is an email address. Yes. Right. One dependent daughter, next is can I have Angela Curry still listed? Is that where Yeah. you want That's that to that's fit correct. that's happy? Yeah. Cool. Yeah. I don't wanna try to. Amazing. We obviously just talked about work. $130,000 is what I have as income gross Yep. per annum. And then I have about $1,500 that in what you have an expend expenditure per week and about a $100 per week in savings. Does that still sound appropriate? Pretty. Yeah. I think I've I've had some payments come back through now. So, hopefully, I'm clearing out a couple of I'm trying to clear up all the five, payment requirements through the month or through the week. So I'm trying to reduce things down a little bit so you can build up in in my bank account just to if I'm gonna make a move. Yep. So at the moment, I I think I'd like to I'll probably just leave it as that at the moment, and then look at once we've got yeah. Once we've settled again, then nothing's gonna re reevaluate where I'm at. So at this stage, I don't even just leave it at that at this stage. Yeah. Because, like, realistically, on a $130,000 a year, that would make your weekly income about 2,500, after tax about $18.80. Yeah. So, you know, if you're saving a $100 a week, 1,500 in expenses, that means that we're sort of sitting around $200 a week that we have in, like, discretionary spending by the sounds of things. So nothing exuberant, but, you know, still pretty comfortable. So the numbers add up realistically as, I guess, the long and the short of it. Now Yep. in terms of assets, Yep. liabilities, I've got, like, the car, like, the the car that's leased, $60,000 worth of an asset. Debt was a 100 and sorry. Was $23. Do you know where that Yep. sort of sits now? I don't know, actually. No. I haven't checked. So I know the lease is nearly due. Do So you I know? think it's Yep. gonna it's gonna end in October, November, and I think it's a '25 digital. So it's I think yeah. So it's probably gonna be about 15,000 which left over this this year. And then Okay. I'll start to either roll that over or pay it out. Yep. Is your plan to, like, release, rollover? We But if I re laser on, the only thing I'll consider doing is probably rolling this one over and just keep the same vehicle. yep. So I won't be I won't be going to a new vehicle at this stage. Okay. Alright.","start_word":887,"end_word":1402,"sentiment":"neutral","sentiment_score":0.04496849742681943},{"text":"Absolutely. Cool.","start_word":1403,"end_word":1404,"sentiment":"positive","sentiment_score":0.4023866057395935},{"text":"And then we've got the motorcycles, about $70 worth 40 Yep. And so I think well, what do you so probably down about 30 now I suspect, debt. because the yeah. Just payment. So one of them is nearly completely paid out. The other one still got a few years ago, and I have to I have to roll over the residual on the on the older one. And I think that's 11 for memory, so that's just kicked off. That is probably still yeah. So I suspect there's probably about 3,000 left Okay. going. How many bikes do we have in total? Sorry.","start_word":1405,"end_word":1508,"sentiment":"neutral","sentiment_score":-0.05371652916073799},{"text":"That's awesome.","start_word":1509,"end_word":1510,"sentiment":"positive","sentiment_score":0.46588101983070374},{"text":"It sounds like when you're sort of running through them all. Yeah. Cool. Three in total.","start_word":1511,"end_word":1526,"sentiment":"neutral","sentiment_score":0.21913345158100128},{"text":"Yeah. Amazing.","start_word":1527,"end_word":1528,"sentiment":"positive","sentiment_score":0.42405128479003906},{"text":"Look. At this point, you have more bikes than you do hands or capacity to ride them at one point, but I can't make choices. It's diversity. Well, it is it is actually well, two of them I'm trying to set myself here. Two of them are are purely used for events for for the events that I do, the right events. Yeah. So and they keep the service. So one of them's got a bigger fuel range to do more remote tours, Yep. and the other one's a smaller one for doing more adventure stuff. It's yeah. So and that's how it justified in my mind. And if anyone else can leave me, I can help that. Yeah. By the sounds of it, it's like it's like tools. We sometimes we It need is. four Yeah. or five different spanners. Correct. Yeah. They all 100 do the same thing, percent. but they all Yep. do different things, Yep. Exactly. which actually brings me onto the tools anyway. I have about Yep. $70,000 in value for tools unless we've gone and Yeah. exuberantly increased that. That's that's probably a couple of places to a 100 now, I I would suspect. So the yeah. So I've had some people judging a lot more workshop related equipment. Yep. I'm just hands on. So, yeah, I think the value, I'll have to do a proper stock take off and all. I think we'd be close to do a 100 minimums now. So we wanna Yep. put this side. Okay. No. That's okay.","start_word":1529,"end_word":1787,"sentiment":"neutral","sentiment_score":0.043926628572600226},{"text":"Cool.","start_word":1788,"end_word":1788,"sentiment":"positive","sentiment_score":0.3744738399982453},{"text":"And we own them all outright. We don't have, like, a step on debt or anything like that. Oh, no.","start_word":1789,"end_word":1808,"sentiment":"neutral","sentiment_score":0.0922560691833496},{"text":"Definitely definitely got a snap on that.","start_word":1809,"end_word":1815,"sentiment":"positive","sentiment_score":0.33520251512527466},{"text":"Yeah. So, yeah, because my Every my three had it my every three had it. tradie. Yeah. So, yeah, so this is I think just try to think off the top of my head. I just picked up a a new room full equipment fee a week ago. So I Yep. think my my truck my truck account's probably sitting at, I suspect, around 10 mark at this stage. Uh-huh. Yeah. The 10 k sitting sitting with the truck account. And he's yeah. You know, my my two guys pretty happy just having that take over. So about, you know, Yeah. a couple $100 a week goes into that. Yeah. No. That's okay. I think it's it's like, Snap on have done it really well by coming to you. They they they they cornered the market really early, and they did really, really well by by doing what they've done. But, yeah, sometimes you kinda just get caught unawares, and you're like, you sit there and think about how you you could really use this tool, and then somehow, the SnapOn guy just rocks up. Well, it's it's sort of because they're franchises franchisees Yeah. as well, it's, you know, you you build a relationship with them. So Yeah. and You the do. and the fact like they because they turn up every week, there's no other tool company that does that. Like, if there No. was, like, there used to be when I started, Yeah. you There was a know, couple. ten years ago. We had well, you'd you'd have the sole operators. Like, guys are Yeah. the van, and they would turn up, and they would compete against Snap on, and they did have cheap a lot more, you know, cheaper options. But they they just fall they've fallen away. They they they were all like a a mature age guy who's doing it as mechanics, things like that. And it has never carried on. Like, once they retired, that was it. They just sell the van, sell the tools, Yep. and no one picked up their route or did their thing. Whereas Snap on sort of because it's corporate, we got in touch with strong CI.","start_word":1816,"end_word":2184,"sentiment":"neutral","sentiment_score":0.05019784714713652},{"text":"They do seem to do what they do very well, and and the franchisees are trained, and they support their customers so they build the relationships.","start_word":2185,"end_word":2210,"sentiment":"positive","sentiment_score":0.38527554273605347},{"text":"So I feel, you know, to me, I'd cost a bit more, but I've got a good relationship.","start_word":2211,"end_word":2228,"sentiment":"neutral","sentiment_score":0.289692759513855},{"text":"I know the guy's gonna be back every Monday.","start_word":2229,"end_word":2237,"sentiment":"positive","sentiment_score":0.3940690159797669},{"text":"If there's any problems, he sorts it out. So for Yeah. me, it's just got a no brainer. It's And like this it's like from twenty years ago, the smoker lady that used to come around, and she would sell smokes and pies and bakery items. And, yeah, 100 Yeah. percent, you could you could go in debt with her and pay her off eventually. And at the end of Yes. the month, she'd she'd come knocking to collect. They Yeah. Yeah. That's it. Yep. they were always women at that point, but they would always come back.","start_word":2238,"end_word":2335,"sentiment":"neutral","sentiment_score":0.037421826273202896},{"text":"Brilliant system, and it worked well.","start_word":2336,"end_word":2341,"sentiment":"positive","sentiment_score":0.6000850200653076},{"text":"Yeah. Yeah. Correct. Yeah. Yeah. So, unfortunately, all that stuff sort of died off a little bit, and and people take advantage of it as well. So I can understand why it's it's gonna be a bit difficult to get hesitant to give credit and all that sort of things. Yeah. Absolutely. Absolutely. Which on the topic of credit, credit cards. I have a $6,500 credit card. Is that the limit of what's owed? Or do you know what the limit versus That's that's owing $12,000 is? limit is is zero at the moment.","start_word":2342,"end_word":2435,"sentiment":"neutral","sentiment_score":-0.12050688042840424},{"text":"Fantastic.","start_word":2436,"end_word":2436,"sentiment":"positive","sentiment_score":0.5160899758338928},{"text":"So we've got we owe nothing. Do we live on the credit card? Like, do I like will I will do some majors. So my my regos and things like that, I've Yep. been using a credit card for that and then just, Yep. you know, dumping it Pay out. enough. Yep. I think it's a sort of a bypass of Afterpay now, so it's sort of got finally, at this at my age, I've probably kicked in the gear that spend what you can pay off in four installments, and it's really good.","start_word":2437,"end_word":2530,"sentiment":"neutral","sentiment_score":0.14144273102283478},{"text":"So I I like it.","start_word":2531,"end_word":2535,"sentiment":"positive","sentiment_score":0.6041804552078247},{"text":"Yeah.","start_word":2536,"end_word":2536,"sentiment":"neutral","sentiment_score":0.26602596044540405},{"text":"Good good trading field.","start_word":2537,"end_word":2540,"sentiment":"positive","sentiment_score":0.4302642345428467},{"text":"Yes. Yes. Cool. Are there any other assets or debts that I need to know about before we jump in? No. I think it's just I think there should be a personal loan there. That's still ticking over 20, I think, from them. About $20.20. I haven't I haven't checked the statement on it recently, but I suspect it'd be the low twenties. It's just a consolidation loan from a few years ago that's still ticking over. Okay. Have we thought about, like because realistically, we've got sort of about $83 worth of debt sitting across all of well, I should probably lower that because we've already got about $15 sitting on the the leased car, so that that that rollover payment, we've got, like, $75 worth of debt sitting across all of the vehicle tools, everything else. Yeah. Yeah. Have we thought about doing another consolidation loan to Yeah. look at easing I some of I the have thought about pressure? yeah. I have thought about trying to get it all sorted, and that's probably something I need to consider sooner rather than later. The only thing I haven't really done is, it, like, worked out who to go through. I haven't had time to sit down and see if he's offering what at the moment and and try and I guess, I don't know if that's probably You something know the I need to have a look at. so there's there's brokers that do this for you, and then the banks Okay. pay them a commission for doing all the work and getting the client to the bank. Yep. Okay. So I can set you up with my broker that can look at this. And, realistically, what it is from your perspective is my bro like, my broker can give you a call, and what they Yep. would do is they would request statements to all of these accounts. Correct me if I'm wrong. Snap on just give you a line of credit. There's no interest Mhmm. incurred for That's correct. Yeah. Correct. yeah. Cool. Let's double check. And and so, like, it wouldn't make sense to consolidate that debt because you'd be incurring an interest Mhmm. rate on that debt, which doesn't currently have an interest rate. Yeah. So it would be sort of, like, the loans that have interest that is being incurred. So it's the the the car lease, the motor the motor vehicles, like, the motorcycles, and the personal loan. Yep. Consolidating Yep. them down and seeing if you can sort of reduce the the the the interest rate, make it a little bit more easily easy to manage payment wise and everything else, and try and chip Yep. off it off a little bit more. But they Yep. they would just they would just require statements to all of the accounts where they currently fit, and then they do the research on which providers would give you loans, what interest rate would be, how we would pay that off, all those kinds of things based on Yep. payslips and income. So I can set that up, email them, cc you in, and they can reach out to you. However, I know that you're a different you you have busy schedule, and today is a day you have off. Is that correct? Yep. Oh, today Cool. I'm I'm driving, so you're obviously getting disturbed. So I could actually talk to speak on the pop up the Fair. phone back. Yeah. Drive back up Sydney. So, yeah, it's Fair. a Absolutely. good So, theoretically speaking, like, they you know, my timing. broker could organize a time where you are driving to have these kinds of conversations, and that's just a matter of you need to do the paperwork by sending them through statements, Yep. which is something you can do at 08:00 at night. That's fine. And go from there. But but that that's something I can do so that way it alleviates the pressure from Yeah. you having Yeah. to sit down and I know. The research component's a pain. Yeah. Okay. Yeah. Cool. But but I was I was wasn't gonna ask. I wasn't sure about something that you offered, so I didn't hear it was my thing to ask.","start_word":2541,"end_word":3257,"sentiment":"neutral","sentiment_score":-0.005253341844379434},{"text":"That's that's fantastic. If you got someone that you'd recommend, I'd appreciate that greatly.","start_word":3258,"end_word":3271,"sentiment":"positive","sentiment_score":0.6331502199172974},{"text":"Yeah. Cool. Alright. Well, I'll I'll get I'll get my broker, Brooke. It it'll more than likely be her offside, but I'll get Brooke and her team to reach out to you and Right. and go through, have a chat about where everything sits and and just see if they can help you out with that on that side. Because worst case scenario, you Yep. get told, hey. What you're currently doing is the best that you have available to you, and it gives reassurance that you're on track that side. Yep. Yep. Yep. Yep. Okay. Yep. Cool. I'll just take that one time. One video. So that Sometimes it can be, but maybe cool. Alright. Thank No.","start_word":3272,"end_word":3389,"sentiment":"neutral","sentiment_score":0.1772083044052124},{"text":"thank you very much. Yeah. I think that's great. That's that's that's I look forward to doing that. So that's gonna be motivated. Amazing.","start_word":3390,"end_word":3413,"sentiment":"positive","sentiment_score":0.6521114706993103},{"text":"Now with respect to, I guess, where everything sits at the moment, we obviously have implemented in the past your your your super fund. We have 24, and then you have a insurance policy with Encompass. Yes. So with the insurance policy, you have, like, a life, a total family disability, and income protection policy. And the income protection covers you for $7,810 per month. Now I was kind of mentally doing the math before, but then I stopped because we were talking and Yep. Alright. I just didn't go back to it. The amount that you're covered for is a little bit over what you're what you're currently earning. So Yeah. I got it. the policy can only pay you the up to, like, 70% of your income. The policy, like, is a little bit higher than than what your income would normally allow. So we can do a Okay. couple of things. One can be to just decrease that policy a little bit Yep. just to be in line with where your income sits. Mhmm. Alternatively, we can leave it where it is based on you and your income potentially increasing in the future Yep. and just request that the policy not CPI increase again for, like, this next year. So that way, we don't drop the benefit if you are expecting an increase in your income. However, little bit more cautious on doing it that way purely and simply because you did say that you're looking to Yes. possibly go self employed. And if you generally go self employed, nine times out of 10, you're probably gonna have a slight decrease to your income, not an Yep. increase. At least for Yes. the couple of years when you establish yourself and get everything moving. That's yeah. I'll inspect. Yeah. So I on the IP side of things, I do wanna have a little bit of a look and just see if I can taper it back a little bit.","start_word":3414,"end_word":3745,"sentiment":"neutral","sentiment_score":-0.07976339757442474},{"text":"It'll just drop the premium. It it it makes no sense to pay for something you can't collect.","start_word":3746,"end_word":3763,"sentiment":"negative","sentiment_score":-0.47220516204833984},{"text":"Right? Yeah. Yeah. Oh, you're right. Bring that back. On the life and TPD side, you have $258,000 life TPD. Mhmm. So, basically, what I see that being is that in the event that something happened to you and you were like, you you passed away, you have what is essentially $653,000 between your super fund and your life insurance policy that is payable to your estate, that's payable to your your next of kin, the choice of your your beneficiary. Now Yep. first things first, your Encompass policy does not have a beneficiary listed, so we need to administratively get that in place. I thought I okay. I thought we did that before last year. Okay. Alright. We'll do that soon. I I didn't have a a a deep dive into into why it's not in place. I just know that it's not. So whether it bounced because it was not accepted at the time, I'm not a thousand percent sure, but definitely something that we should be looking into to get in Yes. place. But on your on your HUB twenty four funds, same issue. Beneficiary not not listed. I will have a bit more of a look into things. I meant to it Friday, but my Friday kinda ran away from me, and it's Monday. So Monday mornings are always fun. So I haven't had a chance to really deep dive and and have a look as to why they bounced, but but, yeah, that they they're they're not in place. So I wanna get them listed. But, realistically Yes. speaking, what I can do is I can pre fill the the forms out, send them to you. Do you have someone that you specifically want to nominate or Yeah. I I need to get everything for my my daughter's mother, marital okay. So there's a couple of different points salary. with that. Yep. How old is your daughter currently? Like, what what year was she born? She's 15. She she's coming at 16. Born in 2010. Okay. So 2010 born, so 16. So couple years away from what is considered an adult, Yep. which 18. No one's an adult. But your ex wife under this regulation, so it's like, the CIS Act is, like, the superannuation industry act that governs superannuation funds. An ex wife may actually not be like, it's generally not considered a CIS dependent. Your daughter will always be considered a CIS dependent Got because she is your daughter. The way around that is if I guess, there's there's two ways around it. One is that you can actually nominate your daughter to receive all of the benefits, and what that means is that while she is a child, the money will be hers, but, essentially, her guardian, which is your ex wife, Angela, would be the person to kind of, a, fill out all the documents and paperwork on your daughter's behalf, but, b, would would also be able to be sort of, like, a trustee for the money, Yep. like, you know, informally Yep. and sort of hold the money for your daughter. Essentially, yes, Angela still gets the money in that way, but it means that in two years' time or, you know, in '28 2028 when your daughter turns 18, you don't need to update the beneficiary nominations because she is an adult. And at that time, she's actually able to claim the money Yeah. herself Okay. and be paid the money directly Yeah. Right. and go that way. The other Okay. avenue around it is instead of making a a direct nomination with the fund for, you know, a specific person, is you can actually nominate what's called your legal personal representative, which means that you're nominating your estate. And that is basically stipulating to the fund, hey. I have a will in place, and I want you Yep. to honor what my will says. And what the super fund will do is they will pay the money into a bank account that is in your estate's name, so it'll be the estate of Scott Norman. And it's basically up to the the estate and the will to distribute those funds from Yep. there. Either Okay. either way works. It means that, I guess, essentially, if you want to go down the route of going and doing a will, you could be more specific with how you want Angela to utilize the funds in the event that you passed away before your daughter turned 18. Or if you did a direct nomination, again, you can nominate your daughter, but Angela essentially receives the funds and is able to use them to help support your daughter. It's just dependent Sure. on what your outcome is with why you want Angela to get the money. And I and I understand, I guess, from a parental point of view that it's because if you're not there, your daughter still needs to be looked after. Yeah. So either either option would work, but I'm happy to I can pre fill documents to support either option. Or if I've overload you with information you need time to consider it, I can send them to you blank. I can send you an email Yeah. that has a bit of information on which, basically, I can write down what I've just verbally explained. No. So that No. That's way, that's you can okay. kind of That makes read sense. it.","start_word":3764,"end_word":4678,"sentiment":"neutral","sentiment_score":0.04044424329624802},{"text":"So I'm happy.","start_word":4679,"end_word":4681,"sentiment":"positive","sentiment_score":0.4987415969371796},{"text":"Yeah. Like, you're on you guys. I I believe no issue. I I don't reason I was sort of saying my daughter's mother was Angela Ma'am. was basically, and I thought there would be a tax implication for Alice in the future if she had that money sitting there. But if there's no if there's nothing that's gonna sort of catch her out in the future, then that's fine.","start_word":4682,"end_word":4750,"sentiment":"neutral","sentiment_score":-0.006461775861680508},{"text":"I'm I'm happy to have put it under Alice's name.","start_word":4751,"end_word":4760,"sentiment":"positive","sentiment_score":0.4752209484577179},{"text":"There's no issue there, but I was just more worried that it could affect her once once you while I became an adult and then take control of it, I guess. Yeah. Like, the the tax implications, I guess, for anyone receiving money is interest earned on an asset. So, like, a cash asset, which is essentially what it would be when it's distributed to her because it get paid it would all get liquidated and paid in cash, Yes. is that the is is that the interest earned on that on that money. Now, realistically, if she put, you know, what is essentially $650,000 into a high interest savings account of, like, 5%, she's looking at $32,500 a year in interest Yep. earned. That's if she put into, like, say, a term deposit, which that the $32 is a taxable income, which means she would have to pay tax on what is what is $32 worth of income, Yep. which is a couple of grand worth of tax. It's Yep. not Yep. gonna be it it's not exuberant. Yep. With what she does from with it from there, like, theoretically, if she goes and buys a house with that money, then, no, not taxable income. If that's an investment property, then, yes, taxable income and things from there. Yeah. But That's the yeah. same That's thing would just happen it. the same thing happens to Angela. So if Angela Yeah. got distributed Okay. the money, it went to cash, she would have the same issue. But there are ways around it. And essentially speaking, if something happened to you, the hope is is that Angela, you know, your daughter would come and see us, have a chat to us, and we could look at, say, instead of a lump sum benefit being paid out, maybe an income stream where because Yes. your daughter Yeah. like, we could sort of pay it that way to sort of help support things Yeah. on That's that it. side. Yeah. Okay. Yeah. That that'd be good.","start_word":4761,"end_word":5103,"sentiment":"neutral","sentiment_score":0.0004321881366280008},{"text":"That's a good idea.","start_word":5104,"end_word":5107,"sentiment":"positive","sentiment_score":0.4344212412834167},{"text":"But that all happens at claim time, and you're not here anymore. So Yeah. Yeah. That's right. Yeah. That's it. Okay. you're like, I don't care. So it's just, I guess, a matter on that side of things as to, you know, us talking to them at that point. But but, yeah, what I'll do is definitely, first and foremost, documents, beneficiaries, we need to get them in Yep. Yeah. I got Well, let's let's get Allison on that.","start_word":5108,"end_word":5186,"sentiment":"neutral","sentiment_score":-0.03816973653775227},{"text":"That's fine. I'm more than happy for that to happen. Thank you for the info on that. That's place.","start_word":5187,"end_word":5205,"sentiment":"positive","sentiment_score":0.7074311375617981},{"text":"fine. That's okay. How do I spell Alice's name? Is it just a l I c e? Yes. And her middle name is Skye, s k y e. Y e? Yep. And, yeah, it just got my surname Norman. Norman. Amazing. So date of birth? 2010, the month and date? Yeah. Twenty fifty eleven. 11/2010. Amazing. And address that she lives at? Unit 25 Winifred Street in. Frank. Victoria. I think it's 3199 is the postcode, I think. Finn. That's okay. I can look it up. I always double check my spelling on streets and such anyway, Yeah. so I'll look it up.","start_word":5206,"end_word":5308,"sentiment":"neutral","sentiment_score":0.048620522022247314},{"text":"Internet's a great thing. Amazing.","start_word":5309,"end_word":5313,"sentiment":"positive","sentiment_score":0.4367079734802246},{"text":"Yeah. And she's she's obviously a female and your daughter.","start_word":5314,"end_word":5323,"sentiment":"neutral","sentiment_score":0.15228891372680664},{"text":"Amazing.","start_word":5324,"end_word":5324,"sentiment":"positive","sentiment_score":0.34760260581970215},{"text":"Alright. Well, I will prefill the documents, and there's one or two options. I can post them to you where I can email them to you. Email means you need to print, sign, scan, and send back. Post, Yep. obviously, scan and repost Yep. sign and Yep. repost. Baby. Which would you prefer? I'll, yeah, I'll do the install and scan, re and all the amounts right back to you. Yep. Cool. So I'll email them to you and you can print, sign, scan?","start_word":5325,"end_word":5408,"sentiment":"neutral","sentiment_score":0.08569704741239548},{"text":"Amazing.","start_word":5409,"end_word":5409,"sentiment":"positive","sentiment_score":0.3645181953907013},{"text":"Yep.","start_word":5410,"end_word":5410,"sentiment":"neutral","sentiment_score":0.29868069291114807},{"text":"Perfect. Cool. I'll get I'll get my team to get them out to you today.","start_word":5411,"end_word":5425,"sentiment":"positive","sentiment_score":0.3891473412513733},{"text":"Mhmm. So insurance side, I'm gonna have a look at the IP, look at lowering it a little bit, see whether there's it's gonna create much of a difference in terms of premiums. Yep. On the superannuation side, first and foremost, I actually want to be straight up honest with you. And I did mean to do this at the beginning of the call, but we kinda got chatting about vehicles and cars and everything, so we didn't. When I was reviewing your file in preparation for the call, I did note that advice from last year was not executed in terms of the investment swap. So last year, we recommended that we made an investment change over to a a few different assets. I went and Yep. executed it last week. After the advice has been executed, because it's obviously been nearly twelve it has been twelve months, I will be sitting down personally. So I'm the head of advice. So I will sit personally sit down and audit to see whether there's been any financial detriment to your file in terms of had the advice been implemented, whether you're out of pocket for investment that you should have otherwise earned. If you Yeah. have, we will obviously remediate that. But irrespective of any outcome, you will see receive a letter in writing from myself stipulating the review, the outcome, and whether there's been detriment or money at because we did not make the change. Okay? Cool. Otherwise, the investments that were recommended, I actually have no major issues with them. I will go through and still have another look to see whether there is any changes we could possibly make. There's always changes in the market that do happen. There are always, you know, like, economic changes that could influence the investment options that you hold. But, essentially speaking, the the remediation review and the review of your investment options are two separate entities in and of themselves, Yep. and I will handle I'll handle both of them. So if I do wanna make any changes to your fund moving forward, that'll be a statement of advice. I would advise you of some of those investment changes that I wanna do while still considering and looking at the remediation side of things anyway. Okay? Okay. That works.","start_word":5426,"end_word":5814,"sentiment":"neutral","sentiment_score":-0.05584723610612911},{"text":"Thank you for that.","start_word":5815,"end_word":5818,"sentiment":"positive","sentiment_score":0.5315096974372864},{"text":"No. That's okay. I had meant to kind of literally start the call and and go into it, but we're not talking about Snap on and and motor vehicles and everything else.","start_word":5819,"end_word":5850,"sentiment":"neutral","sentiment_score":-0.01720350608229637},{"text":"Perfect.","start_word":5851,"end_word":5851,"sentiment":"positive","sentiment_score":0.7973109483718872},{"text":"So I guess so kind of, I guess, tie things in and and for me to kind of look at the super funds and where things are sitting.","start_word":5852,"end_word":5879,"sentiment":"neutral","sentiment_score":0.18902771174907684},{"text":"I do wanna look at where your goal is set and what you're aiming to do. Even though I know I I've got a really pretty good feel for where you're at now based on our call.","start_word":5880,"end_word":5916,"sentiment":"positive","sentiment_score":0.3940851092338562},{"text":"I guess, what kind of goals do you set for yourself? Do you do you think you can remember the goals that you set twelve months ago and where they fit? I think most of it was just to get obviously, we're looking to try to continue having some sort of income out of a potential retirement, which I don't really have a date for.","start_word":5917,"end_word":5981,"sentiment":"neutral","sentiment_score":0.1872889548540115},{"text":"But the the biggest thing was that making sure my daughter I can financially support my daughter if she needed anything.","start_word":5982,"end_word":6002,"sentiment":"positive","sentiment_score":0.4162666499614715},{"text":"There's really the main two things. I think we we've seen a certain along with what I was looking to do, like the actual work shift and everything else that I've been talking about just the quality of life thing that, you know, hopefully successful. And I might put myself in a better position long term.","start_word":6003,"end_word":6058,"sentiment":"neutral","sentiment_score":0.2770918309688568},{"text":"But, yes, at the moment, it's just it's just all flawed at this stage. There's nothing in in mind.","start_word":6059,"end_word":6077,"sentiment":"negative","sentiment_score":-0.3874184489250183},{"text":"So nothing's still in concrete at the minute. But, yeah, basically, it's the main thing. Two things are just some income to live off, outside of retirement, and option to help my daughter if she needs something as well.","start_word":6078,"end_word":6116,"sentiment":"neutral","sentiment_score":0.04124176502227783},{"text":"Yeah. Amazing.","start_word":6117,"end_word":6118,"sentiment":"positive","sentiment_score":0.4713270962238312},{"text":"So I guess on that so there there are a couple of things, I guess, we could look at doing. Yes.","start_word":6119,"end_word":6139,"sentiment":"neutral","sentiment_score":0.2866628170013428},{"text":"The income to live off for retirement, that is obviously where the super fund definitely kicks in.","start_word":6140,"end_word":6156,"sentiment":"positive","sentiment_score":0.36385223269462585},{"text":"The option to help your daughter, she's 16 now. There's a few different things we could sort of look at, and I guess some of it does really depend on where that, I guess, savings per week sits and or possibly getting getting a bit of those assets sorry, the debts paid down to to have you, like so you have more disposable income. And we could look at sort of doing, like, a bit of an investment account that's for her where we could sort of look at maybe, like, a ten year time frame or a five year or two year or whatever the case may be. We could do sort of a investment account that is it depends on how you wanna structure it. There's there's what's called, like, a child bond on one side where you put money in. It has a ten year release time frame. And when that money is released, it is tax paid. So there's no capital gains for her to pay. There's no, like, earnings in there's there's no tax on that side because it it'll gets taken care of inside the bond. So when the bond comes up for maturity in ten years, it's it's it's withdraw and go. That's obviously a 26 year old, which realistically, 26 mentally, pretty stable, probably has a bit of an idea as to where she would wanna go. So the money sitting there, you know, could go towards a house deposit, further education, Yes. whatever the case may be. But it depends on what you want the money to be there for. All the other side of things is you could do, like, an investment account under your name. And the investment account could be specifically set up for her for later.","start_word":6157,"end_word":6455,"sentiment":"neutral","sentiment_score":0.13597484727866674},{"text":"The painful thing about that is that you are the owner of that investment account. If you sell that on any investments, when you do liquidate the assets, there is a capital gains liability.","start_word":6456,"end_word":6489,"sentiment":"negative","sentiment_score":-0.4492301940917969},{"text":"You get personally implicated for the tax side of things, but you could utilize, like, that sort of investment account to specifically set her up for her future, which is very Yeah.","start_word":6490,"end_word":6521,"sentiment":"neutral","sentiment_score":-0.13227836787700653},{"text":"much in line with what you're wanting to do to help her out.","start_word":6522,"end_word":6534,"sentiment":"positive","sentiment_score":0.3650658428668976},{"text":"So it's, like, sort of a couple options on that. It's kind of like, I guess, a a a step up from, you know, the old Commonwealth Bank DollarMite Yeah. Yeah. It's savings account. it's an Yeah. account. Yeah. Yeah. Yep. Yeah. So it's, like, kind of a step up from that, where we can kind of invest it a little bit and stuff like that. But, Yep. again, it just kind of depends on where the root of I wanna I want options to help support my daughter really comes from. Mhmm. Yeah. Yep. Is it is it that I wanna make sure that she's set up and she's gonna be stable for the future, or is it that I wanna make sure that if if her mom loses her job or or, you know, if she does wanna go to uni that I have money available that I can support her in uni so she's not going to have to live off ramen, Yeah. which, Yep. mind you, ramen lifestyle in uni wasn't that bad.","start_word":6535,"end_word":6711,"sentiment":"neutral","sentiment_score":0.16727101146164586},{"text":"That's all she wanted.","start_word":6712,"end_word":6715,"sentiment":"positive","sentiment_score":0.3590017259120941},{"text":"I was down.","start_word":6716,"end_word":6718,"sentiment":"neutral","sentiment_score":-0.03558962419629097},{"text":"We also spent the weekend with her as well. That's all she wanted.","start_word":6719,"end_word":6731,"sentiment":"positive","sentiment_score":0.397466093301773},{"text":"Last night after the movie, I've got needles at home. I'm gonna okay. Woman after my own heart. So I can I can sort of look into options along those sides? Generally speaking, we'd need money to be able to put into it to begin with, though. Cool. So you don't start Yeah. off Okay. with zero and just start with a $100 here here, like, ongoing. Yeah. You would start with, you know, sort of $510 that you would start as an initial and then add to it if you wanted to. But that those kinds of things are an option, but I think possibly Yeah. maybe a little bit of a future consideration based on us trying to maybe clear off some of these debts. Yeah. Yeah. Okay.","start_word":6732,"end_word":6861,"sentiment":"neutral","sentiment_score":0.019801272079348564},{"text":"Perfect.","start_word":6862,"end_word":6862,"sentiment":"positive","sentiment_score":0.5075629353523254},{"text":"I So I log I in. think avenues that I'm looking at is obviously the insurance. I'll look at the super fund on a separate side. I'll look at the remediation for the super fund and get you the referral to my broker, see if we could Yep. clean up the the the debts owed and get them paid down a little bit faster or get them, you know, just get them ticking along, get you Yep. with some extra residual income, and go from there. And what I'll do Mhmm.","start_word":6863,"end_word":6953,"sentiment":"neutral","sentiment_score":0.09799103815476971},{"text":"Good.","start_word":6954,"end_word":6954,"sentiment":"positive","sentiment_score":0.3855938911437988},{"text":"is I can work with the I can work with the broker where Mhmm. sort of she they can sort of give the information back to me on, hey. This is where the cash flow sits now. This is where the cash flow is gonna sit. And I can kind of tie that into my advice that, you know, if we're gonna save a little bit of money, whether maybe we put it back into paying the debts off or Yep. whether we can maybe use that to actually set up these these accounts Yeah. Okay. for you.","start_word":6955,"end_word":7052,"sentiment":"neutral","sentiment_score":0.13144411146640778},{"text":"Yeah. Perfect. Yeah. Love it. It's gonna Hi. be great. Cool.","start_word":7053,"end_word":7063,"sentiment":"positive","sentiment_score":0.5340056419372559},{"text":"Alright. Well, I'll get that one sent off and going on that side. But I guess in terms of tying off the annual review and going through things, I know you've been a client for a few years now. So what what I have is I have a a a pack of documents, and I know you're on the road driving. So you're obviously not gonna be opening and doing things on that side. But what I wanna do is I'm gonna send that out to you for you to sort of look over, and you're able to come back to me with any questions. I will obviously be reaching out to you in the next couple of weeks anyway to have a chat about the few things that we talked about today. But the the pack includes, like, the the financial services guide, which sort of details who we are. You've seen a few of them before. Yep. It has, you know, our processes and and and fee structures, everything like that included. You've got a overview of your super fund, an overview of your insurance policy, and you've got the ongoing service agreement. So that is a document that you would sign that authorizes Oaktree Financial to continue servicing you as a client. Mhmm.","start_word":7064,"end_word":7279,"sentiment":"neutral","sentiment_score":0.0817255899310112},{"text":"That's all included within that pack as well.","start_word":7280,"end_word":7287,"sentiment":"positive","sentiment_score":0.41580405831336975},{"text":"So once I get off the phone, I will send that through to you. And then, obviously, when you pull up, stop, and and can sit down, you can go through it properly.","start_word":7288,"end_word":7320,"sentiment":"neutral","sentiment_score":0.21478340029716492},{"text":"Thank you.","start_word":7321,"end_word":7322,"sentiment":"positive","sentiment_score":0.6375458240509033},{"text":"No.","start_word":7323,"end_word":7323,"sentiment":"neutral","sentiment_score":0.2650125026702881},{"text":"Not a problem at all.","start_word":7324,"end_word":7328,"sentiment":"positive","sentiment_score":0.45514115691185},{"text":"Did you have any questions at all for me while we were on the phone? No. Nothing at the middle.","start_word":7329,"end_word":7348,"sentiment":"neutral","sentiment_score":0.15230627357959747},{"text":"So I'm looking forward to, yeah, what we can do. There's a couple of things we discussed. I think that's definitely, it sounds very positive. Perfect. Well, I'll get through to it. You'll have a few emails coming from me today.","start_word":7349,"end_word":7389,"sentiment":"positive","sentiment_score":0.5165837407112122},{"text":"So, obviously, broker, beneficiary forms, and that that that pack to sign and look at. And, of course, if you have any questions, you'll have my direct contact. You can come straight back and ask anything you might have.","start_word":7390,"end_word":7428,"sentiment":"neutral","sentiment_score":0.2909783124923706},{"text":"Fantastic. Thank you so much for your time. Not wrong at all, Scott. You have a good one. Drive safe, Sydney. Will do. You too. Thanks. Talk to you.","start_word":7429,"end_word":7457,"sentiment":"positive","sentiment_score":0.6676381230354309},{"text":"Bye.","start_word":7458,"end_word":7458,"sentiment":"neutral","sentiment_score":0.2679547667503357}],"average":{"sentiment":"neutral","sentiment_score":0.06361950597603855}}}}