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Is now still a good time for you? Probably yeah. I can try to make it quick for you. How much time do you have? Okay. I can try to make it quick for you. And if we do run out of time, I can always get you rescheduled, but I'll I'll try to make it quick. Yes. Let's try to do it now, and we'll see how we go, and I'll try to make it quick for you. But if you gotta go, just interrupt me. Okay? Yeah. Okay. Perfect. Now before I do go any further, I just need to let you know that our calls are being recorded for security purposes, if that's okay. Yep. Perfect. And I do have passwords on file for you as well. Do you know where that might be? Passwords? Yeah. Yep. Beautiful. And may I ask if you have any ties to Scandinavia at all? Yeah. I love it. I don't know if I told you last time, but I'm Swedish. So it's very much home home. Yeah. So it's very much home to me. And I was like, oh, that is so good. And I wondered if you had any connection because of the names. Yes. I love it. Yeah. Yeah. Yeah. Yeah. Yeah. No. They're beautiful. I I love it. Now what I will do quickly, Andrew, is just run through a bit of a fact find just to see if there's anything major that has changed in your life if we need to make any tweaks and changes to your advice. So I'll try to make this one quick for you. Personal information, still married with three financial dependents. Yep. Beautiful. Now I don't actually have Fiona's number on file. Do you know what that might be? Yep. Yep. 447. Beautiful. Occupation wise, has any of that changed for you? No. No worries. I'm still obviously self employed. Yep. Now income pay yourself about 90,000 roughly. Yep. Yep. Okay. Perfect. And I can see here that you are contributing into super at around 115 per fortnight. Does that sound about right? What yeah. $1.01 15. Yep. Yep. Is that because that's what's coming into your account at the moment. Is that kind of what you have set up, or do you just have it, like, automatically? Yep. Yep. To boost it a little bit. Yeah. And that yeah. Yep. Perfect. And with the the cap space because, obviously, we are doing we did that notice of intent for you. So it has actually gone up this financial year, which is good. You still have plenty of space, but it's gone up from it used to be 30,000, and it's now 32,500. So if you do decide to increase it a little bit, you still have plenty of space. If you win the lottery or come across something and you wanna put heat in, just let me know because I just wanna make sure you stay on the kneecap spaces if you do change it too much. Okay? Yeah. Okay. Beautiful. Asset wise, property still died at around 800,000? Yep. $9.72 $1.80. Perfect. And mortgage? About $6.70. Now I do wanna just triple check the address here as well. Is that the 21 Rosewater Circuit, or is that was that your old? Okay. Perfect. And then 9 Florence Street is your new place. Yeah. Okay. Beautiful. Just to make sure I got that. Camper trailer, about 23,500 still? Yep. Yes. About 20 7. Yep. And you didn't have anything owing on that one, do you? No. Beautiful. You also have the motor vehicle right at about 71,500. Oh, perfect. Yep. Great. Yeah. That happened. Yep. Perfect. Oh, yeah. And how much is that one? Right. Right. Nice car, though. Yeah. I mean, it is a beautiful golf, but yeah. Yeah. Yeah. Yeah. Yep. Fifty one. 50 one 5. Yep. Yep. Okay. Yeah. Yeah. Saves a little bit. Yep. Perfect. And how much would you say is Vida if you were how much did you buy it for, or how much is it worth? What do you reckon? 44. Yep. Yes. Yep. Okay. Yep. Yep. Okay. Yeah. No. That totally made sense. And, Andrew, health and lifestyle, any changes there? Any injuries or issues or anything? Everything's going good? Yep. Perfect. Now do you guys have a will or power of attorney in place at all? No? Mhmm. Oh, yeah. Yeah. Now would you like us to send you an email with the firm that we work closely with and their pricing and stuff just for reference? Yeah? Yeah. That way it's in your inbox through and a bit of a price comparison, and they're pretty good as well. So I'll get the team to email you that. Now when it comes through your beneficiary, so in the event that something were to happen to you, it doesn't look like we have a nomination. Yes. Yes. Okay. No worries. All good. At least you're all over that. Yep. Okay. Okay. Beautiful. That is good. Otherwise, when I guess when it comes to goals, stuff that you are working towards, is there anything in the next couple of year that you are focusing on? Yep. Mhmm. Yep. Yep. Perfect. Yep. And if you don't have a mortgage broker or do you just wanna speak to someone about you got someone? Oh, perfect. That's good. That's good. And they can obviously do a bit of an assessment on that. Now, Andrew, to make it quicker for you, I won't go through the whole risk profile questionnaire again. Just wanna check if your risk tolerance and how you feel about market fluctuation, has any of that changed, or are you still kind of feeling the same as when we spoke last year? Mhmm. Yes. Mhmm. Mhmm. Okay. Because it's it's done pretty good. So what I have done is, obviously, not now if you're busy, but I have sent you an email with some documents to go through. So I'll quickly run through them with you now. And then later, obviously, when you have a bit more time, just jump in the email for me and and have a look at the documents. Now one of the document is a performance report. Now that one here shows you the last twelve months. So during the under review, we kind of like to look at it on, like, a twelve month period just to see, obviously, what's happened. Since we spoke last time under review wise, it does break down all your individual investments, how they have performed, and this is all net of fees. So everything after fees as well. Now in the last twelve months, your portfolio has gone up so by 11.12%, which which is actually really good given what you touched on. Given the last twelve months we've had, there's been a lot of fluctuations in the market, obviously, with everything in The US and with the war and stuff like that. So it's been quite a quite a turbulent market in that way, and especially because you are in a aggressive portfolio. So you have majority of your funds in those high growth options. So that means that on a short term, when there are more fluctuations in the market, you can feel it and see it more on the short term. But then, obviously, the long term is that you will, obviously, try to have higher returns as a result because you still have plenty of time until you can retire to try to boost your super as much as possible. Still plenty. Mhmm. Oh, I can yeah. Yeah. Yeah. What I can do because there is obviously, things are always changing. Sorry. What I can do and there's obviously no guarantee on things. But what I can do is I can get the team to to draw up a new projection for you and email that through to you. That way, you have it as a bit of an update. If you do have any questions when you get it, just let me know. But then that way, that gives you a bit of a bit of an update on where things are currently tracking. No. No. That was I was like, did you just stop playing music, or what is happening? Oh, good. Sorry. I I will get this I will get that drawn up for you. And now it might be end of tomorrow, because there's obviously a bit of math and stuff. Yeah. Perfect. Now, obviously, when we spoke last year, we were looking at doing contributions of about $4.50 a month. And, obviously, at the moment, you are doing about $2.30 a month. So, obviously, that yeah. But what I can do anyway so if you are doing that 115 per fortnight, which I can see in your transaction account in Hub 24, I can just work with what no. Let me triple check for you, but I did have a look just before we jumped on the phone. But let me just triple check for you. Sorry. Contributions is what you put in yourself. Yeah. So I have here that you had a deposit of $1.01 5, so 115 on the August 5. And then you had the other one before that was the same amount, 115, which was the July 22. Yep. And then the one before that was the fifteenth of July. So it looks like it's going in fortnightly. So it it's obviously a little bit less. It still makes a difference, though. So yeah. What I can do for you is I can do the two projections so you have that kind of seeing how the compound makes a difference. I do one with what you're currently doing, which is a 115 per fortnight, and then I can do a second one showing a 115 per week so that you can see those difference. Would that be helpful? Yep. Okay. Perfect. I will get that emailed. Yes. Yes. And, obviously, something to be mindful of, the more money you put in, the quicker your super is going to grow and compound. Obviously, the downside is that it means it's locked into super until you meet a condition of release. So for example, retiring and turning 60. So if you put the money in, it's obviously not something you can access straight away. So just obviously be mindful of that. Yep. Perfect. Now the other couple of documents in that email for you to have a look at, there is a super insurance summary. It just shows you a breakdown of your current superannuation. So at the moment, you have $59,932 in there with hub twenty four, and you have your MetLife insurance like you touched on. So it's about 1,250,000 worth of life and TPD. You also have your income protection, which will pay a a monthly amount of that 5,250, thirty day waiting period, five year benefit period, and then you also have that trauma policy with a tax life of a 100,000. You still happy with the level of cover and everything for your MetLife insurances for now? Yep. Yes and no. Life, total permanent disability, and trauma, yes. You can have multiple policies on that. Income protection, technically, you can have. You can have as many as you want. The only thing is you might not be able to claim on all of them because how it works is that it only covers you for 70% of your income. So let's say you have five income protection policies, paying 5,000 a month, you're not gonna be able to claim on all of them because combined, they can only cover 70% of your income. Yes. Correct. Correct. Correct. So that is the only thing with income protection that you ideally don't wanna have multiple correct. Especially with income protection. And then, also, if it if it were to make a claim, it makes it tricky having to go through multiple different insurers, and it often makes it more expensive than having a higher amount with one insurer. Yep. Yeah. And is the and is that income protection, or is that a different type of insurer? Because, obviously, you might have, like, your public policy. Yeah. Okay. Yeah. You can always email that through to me if you want or just give me a call. Yes. Yeah. Exactly. So we can definitely have a look at that. So have a look. If you do have income protection, you can just email that policy through or just give give me a call to say, hey. I have this. Can we talk about the insurance? Then we can and we can work out and see what we want to do because, yes, you don't wanna pay for too much if you can't claim on it because then we can look at what's best for you. Now I know you have to go, so I'll just quickly say there's a couple of other documents. There is your certificate of currency. It just breaks down all your insurances in a bit more detail if you do wanna have a look at that, but basically shows you it's all paid and up to date. You'll have another financial services guide, just that compliance form that gives you all the important information in regards to us here at Oakview. There is two documents it will ask you to sign if you're happy to do so when you've had a chance to look at the documents. One is a ongoing service agreement. Now that one here is basically to say that you are happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure for you. It stays exactly the same at 1.65. No changes in regards to that. And, Andrew, it is not a lock in contract. So if at any point in time, you are not happy, it is not a lock in contract. So by signing this, otherwise, it just allows us to manage everything for you in the time. Does that make sense? Yep. Beautiful. There is one last document it will ask you to sign as well, and it's just a compliance form to say we are keeping your tax file number secure and safe on file. Now I know that was pretty fast, but do you have any questions for me at this point otherwise? No. Okay. Yes. This is just the office, but you can just ask directly for me as well. Now I do also want to let you know on a personal note that I will be going on maternity leave shortly. So thank you very much. Sorry. I will be leaving on the September 10, and I will be off for about twelve months. What I will do is I will send you a email with a handover to my colleague, Jenna, who will kind of take over from me while I'm away. So you'll have her direct contact email. If you forget or you just email me directly, everything will be forwarded on to her anyway. Or if you forget, you just call the office and you ask for me, they know as well. So if I hear from you before, we can obviously chat about that. If not, I will give Jenna a bit of a rundown of what we spoke about today in regards to those insurances, but I will make sure you get those projections by end of business day tomorrow with the two comparisons. But anything else you need in the meantime, don't hesitate to to give me a call. But if I don't hear from you, obviously, I wish you all the best in the meantime, and I will speak to you next year. Yeah. Yeah. Yeah. Beautiful. Yeah. Yeah. Will do. Thank you so much, Andrew. I will. And have a look at those emails as well when you have a moment for me. Yeah. Okay. No worries. Thanks, Sue. Bye. 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afternoon. Is this Andrew? Good afternoon. Is this Andrew? This is Veronica from ICU Financial.\n\nHow are you? Yeah. Good. I had you booked in to go over your under review. Is now still a good time for you?\n\nProbably yeah. I can try to make it quick for you. How much time do you have? Okay. I can try to make it quick for you.\n\nAnd if we do run out of time, I can always get you rescheduled, but I'll I'll try to make it quick. Yes. Let's try to do it now, and we'll see how we go, and I'll try to make it quick for you. But if you gotta go, just interrupt me. Okay?\n\nYeah. Okay. Perfect. Now before I do go any further, I just need to let you know that our calls are being recorded for security purposes, if that's okay. Yep.\n\nPerfect. And I do have passwords on file for you as well. Do you know where that might be? Passwords? Yeah.\n\nYep. Beautiful. And may I ask if you have any ties to Scandinavia at all? Yeah. I love it.\n\nI don't know if I told you last time, but I'm Swedish. So it's very much home home. Yeah. So it's very much home to me. And I was like, oh, that is so good.\n\nAnd I wondered if you had any connection because of the names. Yes. I love it. Yeah. Yeah.\n\nYeah. Yeah. Yeah. No. They're beautiful.\n\nI I love it. Now what I will do quickly, Andrew, is just run through a bit of a fact find just to see if there's anything major that has changed in your life if we need to make any tweaks and changes to your advice. So I'll try to make this one quick for you. Personal information, still married with three financial dependents. Yep.\n\nBeautiful. Now I don't actually have Fiona's number on file. Do you know what that might be? Yep. Yep.\n\n447. Beautiful. Occupation wise, has any of that changed for you? No. No worries.\n\nI'm still obviously self employed. Yep. Now income pay yourself about 90,000 roughly. Yep. Yep.\n\nOkay. Perfect. And I can see here that you are contributing into super at around 115 per fortnight. Does that sound about right? What yeah.\n\n$1.01 15. Yep. Yep. Is that because that's what's coming into your account at the moment. Is that kind of what you have set up, or do you just have it, like, automatically?\n\nYep. Yep. To boost it a little bit. Yeah. And that yeah.\n\nYep. Perfect. And with the the cap space because, obviously, we are doing we did that notice of intent for you. So it has actually gone up this financial year, which is good. You still have plenty of space, but it's gone up from it used to be 30,000, and it's now 32,500.\n\nSo if you do decide to increase it a little bit, you still have plenty of space. If you win the lottery or come across something and you wanna put heat in, just let me know because I just wanna make sure you stay on the kneecap spaces if you do change it too much. Okay? Yeah. Okay.\n\nBeautiful. Asset wise, property still died at around 800,000? Yep. $9.72 $1.80. Perfect.\n\nAnd mortgage? About $6.70. Now I do wanna just triple check the address here as well. Is that the 21 Rosewater Circuit, or is that was that your old? Okay.\n\nPerfect. And then 9 Florence Street is your new place. Yeah. Okay. Beautiful.\n\nJust to make sure I got that. Camper trailer, about 23,500 still? Yep. Yes. About 20 7.\n\nYep. And you didn't have anything owing on that one, do you? No. Beautiful. You also have the motor vehicle right at about 71,500.\n\nOh, perfect. Yep. Great. Yeah. That happened.\n\nYep. Perfect. Oh, yeah. And how much is that one? Right.\n\nRight. Nice car, though. Yeah. I mean, it is a beautiful golf, but yeah. Yeah.\n\nYeah. Yeah. Yep. Fifty one. 50 one 5.\n\nYep. Yep. Okay. Yeah. Yeah.\n\nSaves a little bit. Yep. Perfect. And how much would you say is Vida if you were how much did you buy it for, or how much is it worth? What do you reckon?\n\n44. Yep. Yes. Yep. Okay.\n\nYep. Yep. Okay. Yeah. No.\n\nThat totally made sense. And, Andrew, health and lifestyle, any changes there? Any injuries or issues or anything? Everything's going good? Yep.\n\nPerfect. Now do you guys have a will or power of attorney in place at all? No? Mhmm. Oh, yeah.\n\nYeah. Now would you like us to send you an email with the firm that we work closely with and their pricing and stuff just for reference? Yeah? Yeah. That way it's in your inbox through and a bit of a price comparison, and they're pretty good as well.\n\nSo I'll get the team to email you that. Now when it comes through your beneficiary, so in the event that something were to happen to you, it doesn't look like we have a nomination. Yes. Yes. Okay.\n\nNo worries. All good. At least you're all over that. Yep. Okay.\n\nOkay. Beautiful. That is good. Otherwise, when I guess when it comes to goals, stuff that you are working towards, is there anything in the next couple of year that you are focusing on? Yep.\n\nMhmm. Yep. Yep. Perfect. Yep.\n\nAnd if you don't have a mortgage broker or do you just wanna speak to someone about you got someone? Oh, perfect. That's good. That's good. And they can obviously do a bit of an assessment on that.\n\nNow, Andrew, to make it quicker for you, I won't go through the whole risk profile questionnaire again. Just wanna check if your risk tolerance and how you feel about market fluctuation, has any of that changed, or are you still kind of feeling the same as when we spoke last year? Mhmm. Yes. Mhmm.\n\nMhmm. Okay. Because it's it's done pretty good. So what I have done is, obviously, not now if you're busy, but I have sent you an email with some documents to go through. So I'll quickly run through them with you now.\n\nAnd then later, obviously, when you have a bit more time, just jump in the email for me and and have a look at the documents. Now one of the document is a performance report. Now that one here shows you the last twelve months. So during the under review, we kind of like to look at it on, like, a twelve month period just to see, obviously, what's happened. Since we spoke last time under review wise, it does break down all your individual investments, how they have performed, and this is all net of fees.\n\nSo everything after fees as well. Now in the last twelve months, your portfolio has gone up so by 11.12%, which which is actually really good given what you touched on. Given the last twelve months we've had, there's been a lot of fluctuations in the market, obviously, with everything in The US and with the war and stuff like that. So it's been quite a quite a turbulent market in that way, and especially because you are in a aggressive portfolio. So you have majority of your funds in those high growth options.\n\nSo that means that on a short term, when there are more fluctuations in the market, you can feel it and see it more on the short term. But then, obviously, the long term is that you will, obviously, try to have higher returns as a result because you still have plenty of time until you can retire to try to boost your super as much as possible. Still plenty. Mhmm. Oh, I can yeah.\n\nYeah. Yeah. What I can do because there is obviously, things are always changing. Sorry. What I can do and there's obviously no guarantee on things.\n\nBut what I can do is I can get the team to to draw up a new projection for you and email that through to you. That way, you have it as a bit of an update. If you do have any questions when you get it, just let me know. But then that way, that gives you a bit of a bit of an update on where things are currently tracking. No.\n\nNo. That was I was like, did you just stop playing music, or what is happening? Oh, good. Sorry. I I will get this I will get that drawn up for you.\n\nAnd now it might be end of tomorrow, because there's obviously a bit of math and stuff. Yeah. Perfect. Now, obviously, when we spoke last year, we were looking at doing contributions of about $4.50 a month. And, obviously, at the moment, you are doing about $2.30 a month.\n\nSo, obviously, that yeah. But what I can do anyway so if you are doing that 115 per fortnight, which I can see in your transaction account in Hub 24, I can just work with what no. Let me triple check for you, but I did have a look just before we jumped on the phone. But let me just triple check for you. Sorry.\n\nContributions is what you put in yourself. Yeah. So I have here that you had a deposit of $1.01 5, so 115 on the August 5. And then you had the other one before that was the same amount, 115, which was the July 22. Yep.\n\nAnd then the one before that was the fifteenth of July. So it looks like it's going in fortnightly. So it it's obviously a little bit less. It still makes a difference, though. So yeah.\n\nWhat I can do for you is I can do the two projections so you have that kind of seeing how the compound makes a difference. I do one with what you're currently doing, which is a 115 per fortnight, and then I can do a second one showing a 115 per week so that you can see those difference. Would that be helpful? Yep. Okay.\n\nPerfect. I will get that emailed. Yes. Yes. And, obviously, something to be mindful of, the more money you put in, the quicker your super is going to grow and compound.\n\nObviously, the downside is that it means it's locked into super until you meet a condition of release. So for example, retiring and turning 60. So if you put the money in, it's obviously not something you can access straight away. So just obviously be mindful of that. Yep.\n\nPerfect. Now the other couple of documents in that email for you to have a look at, there is a super insurance summary. It just shows you a breakdown of your current superannuation. So at the moment, you have $59,932 in there with hub twenty four, and you have your MetLife insurance like you touched on. So it's about 1,250,000 worth of life and TPD.\n\nYou also have your income protection, which will pay a a monthly amount of that 5,250, thirty day waiting period, five year benefit period, and then you also have that trauma policy with a tax life of a 100,000. You still happy with the level of cover and everything for your MetLife insurances for now? Yep. Yes and no. Life, total permanent disability, and trauma, yes.\n\nYou can have multiple policies on that. Income protection, technically, you can have. You can have as many as you want. The only thing is you might not be able to claim on all of them because how it works is that it only covers you for 70% of your income. So let's say you have five income protection policies, paying 5,000 a month, you're not gonna be able to claim on all of them because combined, they can only cover 70% of your income.\n\nYes. Correct. Correct. Correct. So that is the only thing with income protection that you ideally don't wanna have multiple correct.\n\nEspecially with income protection. And then, also, if it if it were to make a claim, it makes it tricky having to go through multiple different insurers, and it often makes it more expensive than having a higher amount with one insurer. Yep. Yeah. And is the and is that income protection, or is that a different type of insurer?\n\nBecause, obviously, you might have, like, your public policy. Yeah. Okay. Yeah. You can always email that through to me if you want or just give me a call.\n\nYes. Yeah. Exactly. So we can definitely have a look at that. So have a look.\n\nIf you do have income protection, you can just email that policy through or just give give me a call to say, hey. I have this. Can we talk about the insurance? Then we can and we can work out and see what we want to do because, yes, you don't wanna pay for too much if you can't claim on it because then we can look at what's best for you. Now I know you have to go, so I'll just quickly say there's a couple of other documents.\n\nThere is your certificate of currency. It just breaks down all your insurances in a bit more detail if you do wanna have a look at that, but basically shows you it's all paid and up to date. You'll have another financial services guide, just that compliance form that gives you all the important information in regards to us here at Oakview. There is two documents it will ask you to sign if you're happy to do so when you've had a chance to look at the documents. One is a ongoing service agreement.\n\nNow that one here is basically to say that you are happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure for you. It stays exactly the same at 1.65. No changes in regards to that. And, Andrew, it is not a lock in contract.\n\nSo if at any point in time, you are not happy, it is not a lock in contract. So by signing this, otherwise, it just allows us to manage everything for you in the time. Does that make sense? Yep. Beautiful.\n\nThere is one last document it will ask you to sign as well, and it's just a compliance form to say we are keeping your tax file number secure and safe on file. Now I know that was pretty fast, but do you have any questions for me at this point otherwise? No. Okay. Yes.\n\nThis is just the office, but you can just ask directly for me as well. Now I do also want to let you know on a personal note that I will be going on maternity leave shortly. So thank you very much. Sorry. I will be leaving on the September 10, and I will be off for about twelve months.\n\nWhat I will do is I will send you a email with a handover to my colleague, Jenna, who will kind of take over from me while I'm away. So you'll have her direct contact email. If you forget or you just email me directly, everything will be forwarded on to her anyway. Or if you forget, you just call the office and you ask for me, they know as well. So if I hear from you before, we can obviously chat about that.\n\nIf not, I will give Jenna a bit of a rundown of what we spoke about today in regards to those insurances, but I will make sure you get those projections by end of business day tomorrow with the two comparisons. But anything else you need in the meantime, don't hesitate to to give me a call. But if I don't hear from you, obviously, I wish you all the best in the meantime, and I will speak to you next year. Yeah. Yeah.\n\nYeah. Beautiful. Yeah. Yeah. Will do.\n\nThank you so much, Andrew. I will. And have a look at those emails as well when you have a moment for me. Yeah. Okay.\n\nNo worries. Thanks, Sue. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":2.48,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.23574154824018478},{"text":"Is this Andrew?","start":3.1999998,"end":4.02,"sentiment":"neutral","sentiment_score":0.11034846057494481},{"text":"Good afternoon.","start":6.3199997,"end":7.12,"sentiment":"neutral","sentiment_score":0.15769410878419876},{"text":"Is this Andrew?","start":7.12,"end":8.02,"sentiment":"neutral","sentiment_score":0.0982193648815155},{"text":"This is Veronica from ICU Financial.","start":9.76,"end":11.94,"sentiment":"neutral","sentiment_score":0.15173546224832535}],"sentiment":"neutral","sentiment_score":0.14518672274425626,"num_words":16,"start":2.48,"end":11.94},{"sentences":[{"text":"How are you?","start":12.16,"end":12.9,"sentiment":"neutral","sentiment_score":0.15850956737995148},{"text":"Yeah.","start":15.2,"end":15.675,"sentiment":"neutral","sentiment_score":0.28689807653427124},{"text":"Good.","start":15.915,"end":16.415,"sentiment":"positive","sentiment_score":0.5558776259422302},{"text":"I had you booked in to go over your under review.","start":17.115,"end":20.555,"sentiment":"positive","sentiment_score":0.40021028301932593},{"text":"Is now still a good time for you?","start":20.555,"end":22.255001,"sentiment":"positive","sentiment_score":0.3561031259596348}],"sentiment":"positive","sentiment_score":0.3570601052294175,"num_words":24,"start":12.16,"end":22.255001},{"sentences":[{"text":"Probably yeah.","start":27.94,"end":29.380001,"sentiment":"neutral","sentiment_score":0.0476787444204092},{"text":"I can try to make it quick for you.","start":29.380001,"end":30.98,"sentiment":"neutral","sentiment_score":0.0897706068224377},{"text":"How much time do you have?","start":30.98,"end":32.440002,"sentiment":"neutral","sentiment_score":0.009967411402612925},{"text":"Okay.","start":35.06,"end":35.46,"sentiment":"neutral","sentiment_score":0.06736250221729279},{"text":"I can try to make it quick for you.","start":35.46,"end":36.98,"sentiment":"neutral","sentiment_score":0.10875886678695679}],"sentiment":"neutral","sentiment_score":0.07441813785030886,"num_words":27,"start":27.94,"end":36.98},{"sentences":[{"text":"And if we do run out of time, I can always get you rescheduled, but I'll I'll try to make it quick.","start":36.98,"end":42.954998,"sentiment":"neutral","sentiment_score":0.049259125170382584},{"text":"Yes.","start":46.855,"end":47.355,"sentiment":"neutral","sentiment_score":0.1021263748407364},{"text":"Let's try to do it now, and we'll see how we go, and I'll try to make it quick for you.","start":54.614998,"end":58.13,"sentiment":"neutral","sentiment_score":0.04028547741472721},{"text":"But if you gotta go, just interrupt me.","start":58.13,"end":59.97,"sentiment":"neutral","sentiment_score":-0.04431381309404969},{"text":"Okay?","start":59.97,"end":60.47,"sentiment":"neutral","sentiment_score":0.003668943420052528}],"sentiment":"neutral","sentiment_score":0.031716614961624146,"num_words":53,"start":36.98,"end":60.47},{"sentences":[{"text":"Yeah.","start":61.65,"end":61.97,"sentiment":"neutral","sentiment_score":0.19471296668052673},{"text":"Okay.","start":61.97,"end":62.47,"sentiment":"neutral","sentiment_score":0.1854574978351593},{"text":"Perfect.","start":62.61,"end":63.11,"sentiment":"neutral","sentiment_score":0.31995725631713867},{"text":"Now before I do go any further, I just need to let you know that our calls are being recorded for security purposes, if that's okay.","start":64.13,"end":71.525,"sentiment":"neutral","sentiment_score":0.03548706150971926},{"text":"Yep.","start":71.945,"end":72.345,"sentiment":"neutral","sentiment_score":0.13927064836025238}],"sentiment":"neutral","sentiment_score":0.058735398948192595,"num_words":30,"start":61.65,"end":72.345},{"sentences":[{"text":"Perfect.","start":72.345,"end":72.845,"sentiment":"neutral","sentiment_score":0.3152846097946167},{"text":"And I do have passwords on file for you as well.","start":73.305,"end":76.665,"sentiment":"neutral","sentiment_score":0.13119482790881937},{"text":"Do you know where that might be?","start":76.665,"end":78.125,"sentiment":"neutral","sentiment_score":0.04718029073306492},{"text":"Passwords?","start":81.065,"end":81.565,"sentiment":"neutral","sentiment_score":0.012738168239593506},{"text":"Yeah.","start":81.945,"end":82.445,"sentiment":"neutral","sentiment_score":0.030570367351174355}],"sentiment":"neutral","sentiment_score":0.1015237279768501,"num_words":21,"start":72.345,"end":82.445},{"sentences":[{"text":"Yep.","start":84.345,"end":84.825005,"sentiment":"neutral","sentiment_score":0.120009146630764},{"text":"Beautiful.","start":84.825005,"end":85.325005,"sentiment":"positive","sentiment_score":0.363530158996582},{"text":"And may I ask if you have any ties to Scandinavia at all?","start":85.92,"end":90.1,"sentiment":"neutral","sentiment_score":0.056358538138178677},{"text":"Yeah.","start":98.96,"end":99.46,"sentiment":"neutral","sentiment_score":0.2745051383972168},{"text":"I love it.","start":99.6,"end":100.16,"sentiment":"positive","sentiment_score":0.5278032223383585}],"sentiment":"neutral","sentiment_score":0.1617955319387348,"num_words":19,"start":84.345,"end":100.16},{"sentences":[{"text":"I don't know if I told you last time, but I'm Swedish.","start":100.16,"end":102.365,"sentiment":"neutral","sentiment_score":0.14244983034829298},{"text":"So it's very much home home.","start":102.424995,"end":104.205,"sentiment":"neutral","sentiment_score":0.09507352982958157},{"text":"Yeah.","start":104.265,"end":104.585,"sentiment":"neutral","sentiment_score":0.1962655484676361},{"text":"So it's very much home to me.","start":104.585,"end":106.025,"sentiment":"positive","sentiment_score":0.37588084595543997},{"text":"And I was like, oh, that is so good.","start":106.025,"end":108.104996,"sentiment":"positive","sentiment_score":0.4902860282195939}],"sentiment":"neutral","sentiment_score":0.27199556763683047,"num_words":35,"start":100.16,"end":108.104996},{"sentences":[{"text":"And I wondered if you had any connection because of the names.","start":108.104996,"end":111.085,"sentiment":"neutral","sentiment_score":-0.04691874080648025},{"text":"Yes.","start":118.53999,"end":118.939995,"sentiment":"positive","sentiment_score":0.379392147064209},{"text":"I love it.","start":118.939995,"end":119.67999,"sentiment":"positive","sentiment_score":0.6541696389516195},{"text":"Yeah.","start":125.1,"end":125.6,"sentiment":"neutral","sentiment_score":0.017540356144309044},{"text":"Yeah.","start":128.145,"end":128.645,"sentiment":"neutral","sentiment_score":0.005905969999730587}],"sentiment":"neutral","sentiment_score":0.10012902779918578,"num_words":18,"start":108.104996,"end":128.645},{"sentences":[{"text":"Yeah.","start":128.785,"end":129.285,"sentiment":"neutral","sentiment_score":0.0021656453609466553},{"text":"Yeah.","start":140.705,"end":140.865,"sentiment":"neutral","sentiment_score":0.035607799887657166},{"text":"Yeah.","start":140.865,"end":141.365,"sentiment":"neutral","sentiment_score":0.0668603777885437},{"text":"No.","start":141.74501,"end":141.985,"sentiment":"neutral","sentiment_score":0.10246141254901886},{"text":"They're beautiful.","start":141.985,"end":142.80501,"sentiment":"positive","sentiment_score":0.5632453858852386}],"sentiment":"neutral","sentiment_score":0.2222643345594406,"num_words":6,"start":128.785,"end":142.80501},{"sentences":[{"text":"I I love it.","start":143.02501,"end":144.03,"sentiment":"positive","sentiment_score":0.7744995206594467},{"text":"Now what I will do quickly, Andrew, is just run through a bit of a fact find just to see if there's anything major that has changed in your life if we need to make any tweaks and changes to your advice.","start":145.70999,"end":155.23,"sentiment":"neutral","sentiment_score":0.014719708567662608},{"text":"So I'll try to make this one quick for you.","start":155.23,"end":157.56999,"sentiment":"neutral","sentiment_score":0.03851156290620565},{"text":"Personal information, still married with three financial dependents.","start":158.965,"end":162.985,"sentiment":"neutral","sentiment_score":-0.002123761281836778},{"text":"Yep.","start":164.325,"end":164.805,"sentiment":"neutral","sentiment_score":0.05260651558637619}],"sentiment":"neutral","sentiment_score":0.06364550610574392,"num_words":65,"start":143.02501,"end":164.805},{"sentences":[{"text":"Beautiful.","start":164.805,"end":165.305,"sentiment":"neutral","sentiment_score":0.18175524473190308},{"text":"Now I don't actually have Fiona's number on file.","start":166.165,"end":169.605,"sentiment":"neutral","sentiment_score":-0.039618059164947934},{"text":"Do you know what that might be?","start":169.605,"end":171.065,"sentiment":"neutral","sentiment_score":-0.04350831652326243},{"text":"Yep.","start":172.245,"end":172.745,"sentiment":"neutral","sentiment_score":0.002474077744409442},{"text":"Yep.","start":175.04,"end":175.54,"sentiment":"neutral","sentiment_score":0.0023088569287210703}],"sentiment":"neutral","sentiment_score":-0.024978029933807096,"num_words":19,"start":164.805,"end":175.54},{"sentences":[{"text":"447.","start":178.64,"end":179.94,"sentiment":"neutral","sentiment_score":0.010231098160147669},{"text":"Beautiful.","start":180.24,"end":180.74,"sentiment":"neutral","sentiment_score":0.16807256639003754},{"text":"Occupation wise, has any of that changed for you?","start":181.36,"end":184.1,"sentiment":"neutral","sentiment_score":0.008339874860313203},{"text":"No.","start":185.6,"end":185.925,"sentiment":"neutral","sentiment_score":-0.14005738496780396},{"text":"No worries.","start":187.845,"end":188.565,"sentiment":"neutral","sentiment_score":-0.05254936404526234}],"sentiment":"neutral","sentiment_score":0.0005861732310482434,"num_words":14,"start":178.64,"end":188.565},{"sentences":[{"text":"I'm still obviously self employed.","start":188.565,"end":190.185,"sentiment":"neutral","sentiment_score":-0.05163857936859131},{"text":"Yep.","start":191.685,"end":192.185,"sentiment":"neutral","sentiment_score":0.010814445093274117},{"text":"Now income pay yourself about 90,000 roughly.","start":192.245,"end":195.785,"sentiment":"neutral","sentiment_score":0.002698859732065882},{"text":"Yep.","start":198.245,"end":198.745,"sentiment":"neutral","sentiment_score":0.03143080323934555},{"text":"Yep.","start":198.965,"end":199.365,"sentiment":"neutral","sentiment_score":0.04963453859090805}],"sentiment":"neutral","sentiment_score":-0.009828072786331177,"num_words":15,"start":188.565,"end":199.365},{"sentences":[{"text":"Okay.","start":199.365,"end":199.765,"sentiment":"neutral","sentiment_score":0.14184154570102692},{"text":"Perfect.","start":199.765,"end":200.265,"sentiment":"neutral","sentiment_score":0.2442467212677002},{"text":"And I can see here that you are contributing into super at around 115 per fortnight.","start":200.70001,"end":207.34001,"sentiment":"neutral","sentiment_score":0.09255845542065799},{"text":"Does that sound about right?","start":207.34001,"end":208.72,"sentiment":"neutral","sentiment_score":0.03617037683725357},{"text":"What yeah.","start":211.02,"end":211.90001,"sentiment":"neutral","sentiment_score":0.0008422830142080784}],"sentiment":"neutral","sentiment_score":0.08198240015655756,"num_words":25,"start":199.365,"end":211.90001},{"sentences":[{"text":"$1.01 15.","start":211.90001,"end":212.96,"sentiment":"neutral","sentiment_score":0.00343681825324893},{"text":"Yep.","start":215.02,"end":215.5,"sentiment":"neutral","sentiment_score":0.026032529771327972},{"text":"Yep.","start":215.5,"end":216.0,"sentiment":"neutral","sentiment_score":0.021120544523000717},{"text":"Is that because that's what's coming into your account at the moment.","start":216.175,"end":218.815,"sentiment":"neutral","sentiment_score":0.0028836202691309154},{"text":"Is that kind of what you have set up, or do you just have it, like, automatically?","start":218.815,"end":221.635,"sentiment":"neutral","sentiment_score":0.017515542149982032}],"sentiment":"neutral","sentiment_score":0.011708920320608851,"num_words":33,"start":211.90001,"end":221.635},{"sentences":[{"text":"Yep.","start":224.095,"end":224.595,"sentiment":"neutral","sentiment_score":0.10121691226959229},{"text":"Yep.","start":229.055,"end":229.555,"sentiment":"neutral","sentiment_score":0.17136916518211365},{"text":"To boost it a little bit.","start":230.735,"end":232.19,"sentiment":"neutral","sentiment_score":0.14824972053368887},{"text":"Yeah.","start":232.25,"end":232.75,"sentiment":"neutral","sentiment_score":0.07502051442861557},{"text":"And that yeah.","start":234.33,"end":241.95,"sentiment":"neutral","sentiment_score":0.004082195460796356}],"sentiment":"neutral","sentiment_score":0.10411262512207031,"num_words":12,"start":224.095,"end":241.95},{"sentences":[{"text":"Yep.","start":242.01001,"end":242.41,"sentiment":"neutral","sentiment_score":0.26918506622314453},{"text":"Perfect.","start":242.41,"end":242.91,"sentiment":"positive","sentiment_score":0.6384915113449097},{"text":"And with the the cap space because, obviously, we are doing we did that notice of intent for you.","start":242.97,"end":248.72499,"sentiment":"neutral","sentiment_score":0.30369885501108673},{"text":"So it has actually gone up this financial year, which is good.","start":248.72499,"end":251.94499,"sentiment":"positive","sentiment_score":0.5551304494341215},{"text":"You still have plenty of space, but it's gone up from it used to be 30,000, and it's now 32,500.","start":252.005,"end":258.905,"sentiment":"neutral","sentiment_score":0.2566010855138302}],"sentiment":"positive","sentiment_score":0.3485196589861276,"num_words":53,"start":242.01001,"end":258.905},{"sentences":[{"text":"So if you do decide to increase it a little bit, you still have plenty of space.","start":259.30002,"end":264.04,"sentiment":"neutral","sentiment_score":0.20354444051490111},{"text":"If you win the lottery or come across something and you wanna put heat in, just let me know because I just wanna make sure you stay on the kneecap spaces if you do change it too much.","start":264.42,"end":274.465,"sentiment":"neutral","sentiment_score":0.0848084851413181},{"text":"Okay?","start":274.465,"end":274.965,"sentiment":"neutral","sentiment_score":0.02753514051437378},{"text":"Yeah.","start":276.145,"end":276.465,"sentiment":"neutral","sentiment_score":0.051916759461164474},{"text":"Okay.","start":276.465,"end":276.785,"sentiment":"neutral","sentiment_score":0.12345217913389206}],"sentiment":"neutral","sentiment_score":0.11872210350401442,"num_words":58,"start":259.30002,"end":276.785},{"sentences":[{"text":"Beautiful.","start":276.785,"end":277.285,"sentiment":"positive","sentiment_score":0.38466352224349976},{"text":"Asset wise, property still died at around 800,000?","start":277.905,"end":281.205,"sentiment":"neutral","sentiment_score":-0.09917228110134602},{"text":"Yep.","start":288.08,"end":288.58,"sentiment":"neutral","sentiment_score":0.005519639700651169},{"text":"$9.72 $1.80.","start":295.75998,"end":297.94,"sentiment":"neutral","sentiment_score":0.009385616052895784},{"text":"Perfect.","start":298.15997,"end":298.65997,"sentiment":"neutral","sentiment_score":0.22851116955280304}],"sentiment":"neutral","sentiment_score":-0.011993283477540199,"num_words":13,"start":276.785,"end":298.65997},{"sentences":[{"text":"And mortgage?","start":298.87997,"end":299.94,"sentiment":"neutral","sentiment_score":0.030004257336258888},{"text":"About $6.70.","start":302.845,"end":304.145,"sentiment":"neutral","sentiment_score":0.023048261180520058},{"text":"Now I do wanna just triple check the address here as well.","start":304.605,"end":307.665,"sentiment":"neutral","sentiment_score":0.03352892445400357},{"text":"Is that the 21 Rosewater Circuit, or is that was that your old?","start":308.445,"end":312.99,"sentiment":"neutral","sentiment_score":-0.02801197015035611},{"text":"Okay.","start":314.03,"end":314.53,"sentiment":"neutral","sentiment_score":-0.010202905163168907}],"sentiment":"neutral","sentiment_score":0.004469787112126747,"num_words":30,"start":298.87997,"end":314.53},{"sentences":[{"text":"Perfect.","start":315.38998,"end":315.78998,"sentiment":"neutral","sentiment_score":0.2803528904914856},{"text":"And then 9 Florence Street is your new place.","start":315.78998,"end":318.84998,"sentiment":"neutral","sentiment_score":0.11378564851151572},{"text":"Yeah.","start":319.94998,"end":320.19,"sentiment":"neutral","sentiment_score":0.09224683791399002},{"text":"Okay.","start":320.19,"end":320.59,"sentiment":"neutral","sentiment_score":0.1496633142232895},{"text":"Beautiful.","start":320.59,"end":321.09,"sentiment":"positive","sentiment_score":0.4166611135005951}],"sentiment":"neutral","sentiment_score":0.15099961482561552,"num_words":13,"start":315.38998,"end":321.09},{"sentences":[{"text":"Just to make sure I got that.","start":321.22998,"end":322.77,"sentiment":"neutral","sentiment_score":0.09394024951117379},{"text":"Camper trailer, about 23,500 still?","start":324.03,"end":329.335,"sentiment":"neutral","sentiment_score":0.017309469915926457},{"text":"Yep.","start":329.335,"end":329.835,"sentiment":"neutral","sentiment_score":0.02359262853860855},{"text":"Yes.","start":332.215,"end":332.695,"sentiment":"neutral","sentiment_score":0.03534817695617676},{"text":"About 20 7.","start":332.695,"end":333.915,"sentiment":"neutral","sentiment_score":0.02653975101808707}],"sentiment":"neutral","sentiment_score":0.05192289145334678,"num_words":17,"start":321.22998,"end":333.915},{"sentences":[{"text":"Yep.","start":335.255,"end":335.755,"sentiment":"neutral","sentiment_score":0.04541131108999252},{"text":"And you didn't have anything owing on that one, do you?","start":335.895,"end":338.395,"sentiment":"neutral","sentiment_score":-0.004842664453793655},{"text":"No.","start":339.095,"end":339.595,"sentiment":"neutral","sentiment_score":-0.03961401432752609},{"text":"Beautiful.","start":339.735,"end":340.235,"sentiment":"neutral","sentiment_score":0.16504427790641785},{"text":"You also have the motor vehicle right at about 71,500.","start":340.65,"end":345.07,"sentiment":"neutral","sentiment_score":0.008601120300590992}],"sentiment":"neutral","sentiment_score":0.008482644528461,"num_words":24,"start":335.255,"end":345.07},{"sentences":[{"text":"Oh, perfect.","start":348.89,"end":349.79,"sentiment":"neutral","sentiment_score":0.2978907823562622},{"text":"Yep.","start":351.61002,"end":352.11002,"sentiment":"neutral","sentiment_score":0.1680459827184677},{"text":"Great.","start":352.33002,"end":352.785,"sentiment":"positive","sentiment_score":0.5067094564437866},{"text":"Yeah.","start":358.625,"end":359.125,"sentiment":"neutral","sentiment_score":-0.0022174734622240067},{"text":"That happened.","start":359.265,"end":360.085,"sentiment":"neutral","sentiment_score":-0.02865934558212757}],"sentiment":"neutral","sentiment_score":0.17300011989261424,"num_words":7,"start":348.89,"end":360.085},{"sentences":[{"text":"Yep.","start":360.625,"end":361.025,"sentiment":"neutral","sentiment_score":0.034702450037002563},{"text":"Perfect.","start":361.025,"end":361.525,"sentiment":"neutral","sentiment_score":0.1794685125350952},{"text":"Oh, yeah.","start":367.025,"end":367.53,"sentiment":"neutral","sentiment_score":0.013763267546892166},{"text":"And how much is that one?","start":370.97,"end":372.25,"sentiment":"neutral","sentiment_score":0.010159527727713188},{"text":"Right.","start":372.25,"end":372.75,"sentiment":"neutral","sentiment_score":0.01593267172574997}],"sentiment":"neutral","sentiment_score":0.02896248506890102,"num_words":11,"start":360.625,"end":372.75},{"sentences":[{"text":"Right.","start":373.13,"end":373.53,"sentiment":"neutral","sentiment_score":0.005277466028928757},{"text":"Nice car, though.","start":373.53,"end":374.59,"sentiment":"neutral","sentiment_score":-0.16420908768971762},{"text":"Yeah.","start":376.65,"end":377.15,"sentiment":"neutral","sentiment_score":-0.04149364307522774},{"text":"I mean, it is a beautiful golf, but yeah.","start":384.33502,"end":389.155,"sentiment":"neutral","sentiment_score":0.0008704720271958245},{"text":"Yeah.","start":390.89502,"end":391.39502,"sentiment":"neutral","sentiment_score":-0.0027683060616254807}],"sentiment":"neutral","sentiment_score":-0.034918499862154326,"num_words":15,"start":373.13,"end":391.39502},{"sentences":[{"text":"Yeah.","start":393.215,"end":393.715,"sentiment":"neutral","sentiment_score":-0.006357187405228615},{"text":"Yeah.","start":401.87,"end":402.35,"sentiment":"neutral","sentiment_score":0.011318368837237358},{"text":"Yep.","start":402.35,"end":402.85,"sentiment":"neutral","sentiment_score":0.012373577803373337},{"text":"Fifty one.","start":404.03,"end":405.01,"sentiment":"neutral","sentiment_score":0.008732667192816734},{"text":"50 one 5.","start":405.47,"end":406.70502,"sentiment":"neutral","sentiment_score":0.0093984662865599}],"sentiment":"neutral","sentiment_score":0.007874436560086906,"num_words":8,"start":393.215,"end":406.70502},{"sentences":[{"text":"Yep.","start":407.245,"end":407.745,"sentiment":"neutral","sentiment_score":0.009390531107783318},{"text":"Yep.","start":410.845,"end":411.345,"sentiment":"neutral","sentiment_score":0.011387120001018047},{"text":"Okay.","start":411.405,"end":411.905,"sentiment":"neutral","sentiment_score":-0.022791722789406776},{"text":"Yeah.","start":418.765,"end":419.13,"sentiment":"neutral","sentiment_score":-0.05665956065058708},{"text":"Yeah.","start":428.81,"end":429.31,"sentiment":"neutral","sentiment_score":0.010555378161370754}],"sentiment":"neutral","sentiment_score":-0.009623650833964348,"num_words":5,"start":407.245,"end":429.31},{"sentences":[{"text":"Saves a little bit.","start":429.77002,"end":430.99,"sentiment":"neutral","sentiment_score":0.017859297338873148},{"text":"Yep.","start":431.05002,"end":431.45,"sentiment":"neutral","sentiment_score":0.09424134343862534},{"text":"Perfect.","start":431.45,"end":431.95,"sentiment":"neutral","sentiment_score":0.16970789432525635},{"text":"And how much would you say is Vida if you were how much did you buy it for, or how much is it worth?","start":432.81,"end":438.945,"sentiment":"neutral","sentiment_score":0.0359889774893721},{"text":"What do you reckon?","start":438.945,"end":439.765,"sentiment":"neutral","sentiment_score":-0.005788944894447923}],"sentiment":"neutral","sentiment_score":0.03458723844960332,"num_words":34,"start":429.77002,"end":439.765},{"sentences":[{"text":"44.","start":443.825,"end":444.725,"sentiment":"neutral","sentiment_score":-0.015836596488952637},{"text":"Yep.","start":445.265,"end":445.765,"sentiment":"neutral","sentiment_score":0.02104334905743599},{"text":"Yes.","start":452.4,"end":452.9,"sentiment":"neutral","sentiment_score":0.006269923411309719},{"text":"Yep.","start":455.6,"end":456.0,"sentiment":"neutral","sentiment_score":0.011680064722895622},{"text":"Okay.","start":456.0,"end":456.5,"sentiment":"neutral","sentiment_score":-0.00015156622976064682}],"sentiment":"neutral","sentiment_score":0.004601034894585609,"num_words":5,"start":443.825,"end":456.5},{"sentences":[{"text":"Yep.","start":460.0,"end":460.395,"sentiment":"neutral","sentiment_score":-0.06787239760160446},{"text":"Yep.","start":463.91498,"end":464.41498,"sentiment":"neutral","sentiment_score":-0.1268204003572464},{"text":"Okay.","start":466.79498,"end":467.29498,"sentiment":"negative","sentiment_score":-0.38175392150878906},{"text":"Yeah.","start":470.63498,"end":471.03497,"sentiment":"neutral","sentiment_score":-0.11888512223958968},{"text":"No.","start":471.03497,"end":471.35498,"sentiment":"neutral","sentiment_score":-0.21264609694480896}],"sentiment":"neutral","sentiment_score":-0.1815955877304077,"num_words":5,"start":460.0,"end":471.35498},{"sentences":[{"text":"That totally made sense.","start":471.35498,"end":472.815,"sentiment":"neutral","sentiment_score":-0.15620173141360283},{"text":"And, Andrew, health and lifestyle, any changes there?","start":474.02002,"end":477.22,"sentiment":"neutral","sentiment_score":0.015754702500998974},{"text":"Any injuries or issues or anything?","start":477.22,"end":480.34,"sentiment":"neutral","sentiment_score":-0.017392669183512528},{"text":"Everything's going good?","start":480.34,"end":481.56,"sentiment":"neutral","sentiment_score":0.22413566211859384},{"text":"Yep.","start":482.82,"end":483.32,"sentiment":"neutral","sentiment_score":0.23439821600914}],"sentiment":"neutral","sentiment_score":0.013803630982610312,"num_words":22,"start":471.35498,"end":483.32},{"sentences":[{"text":"Perfect.","start":483.78,"end":484.28,"sentiment":"positive","sentiment_score":0.34786301851272583},{"text":"Now do you guys have a will or power of attorney in place at all?","start":484.58002,"end":489.995,"sentiment":"neutral","sentiment_score":0.01851477927217881},{"text":"No?","start":490.315,"end":490.815,"sentiment":"neutral","sentiment_score":-0.0739898532629013},{"text":"Mhmm.","start":493.755,"end":494.255,"sentiment":"neutral","sentiment_score":-0.05286816880106926},{"text":"Oh, yeah.","start":499.595,"end":499.92,"sentiment":"neutral","sentiment_score":-0.0010379375889897346}],"sentiment":"neutral","sentiment_score":0.024832540517672898,"num_words":20,"start":483.78,"end":499.92},{"sentences":[{"text":"Yeah.","start":501.52002,"end":501.84003,"sentiment":"neutral","sentiment_score":0.01467727217823267},{"text":"Now would you like us to send you an email with the firm that we work closely with and their pricing and stuff just for reference?","start":501.84003,"end":508.66,"sentiment":"neutral","sentiment_score":0.04119761008769274},{"text":"Yeah?","start":510.40002,"end":510.90002,"sentiment":"neutral","sentiment_score":0.06130366027355194},{"text":"Yeah.","start":511.04,"end":511.44,"sentiment":"neutral","sentiment_score":0.09465807676315308},{"text":"That way it's in your inbox through and a bit of a price comparison, and they're pretty good as well.","start":511.44,"end":517.53503,"sentiment":"neutral","sentiment_score":0.24876906126737594}],"sentiment":"neutral","sentiment_score":0.12688077748658097,"num_words":49,"start":501.52002,"end":517.53503},{"sentences":[{"text":"So I'll get the team to email you that.","start":517.53503,"end":519.79504,"sentiment":"neutral","sentiment_score":0.17368273768160078},{"text":"Now when it comes through your beneficiary, so in the event that something were to happen to you, it doesn't look like we have a nomination.","start":520.815,"end":531.19,"sentiment":"neutral","sentiment_score":0.08585892123385118},{"text":"Yes.","start":532.53,"end":533.03,"sentiment":"neutral","sentiment_score":0.1249883845448494},{"text":"Yes.","start":537.17004,"end":537.67004,"sentiment":"neutral","sentiment_score":0.14399337768554688},{"text":"Okay.","start":539.41003,"end":539.91003,"sentiment":"neutral","sentiment_score":0.1591513454914093}],"sentiment":"neutral","sentiment_score":0.11114762365621955,"num_words":38,"start":517.53503,"end":539.91003},{"sentences":[{"text":"No worries.","start":542.53,"end":543.27,"sentiment":"neutral","sentiment_score":0.15021788328886032},{"text":"All good.","start":543.65,"end":544.185,"sentiment":"neutral","sentiment_score":0.22209106385707855},{"text":"At least you're all over that.","start":544.745,"end":546.285,"sentiment":"neutral","sentiment_score":0.05517649340132872},{"text":"Yep.","start":547.305,"end":547.805,"sentiment":"neutral","sentiment_score":0.09943042695522308},{"text":"Okay.","start":549.785,"end":550.285,"sentiment":"neutral","sentiment_score":0.10219746083021164}],"sentiment":"neutral","sentiment_score":0.10644206187377374,"num_words":12,"start":542.53,"end":550.285},{"sentences":[{"text":"Okay.","start":551.065,"end":551.545,"sentiment":"positive","sentiment_score":0.34681975841522217},{"text":"Beautiful.","start":551.545,"end":552.045,"sentiment":"positive","sentiment_score":0.764723539352417},{"text":"That is good.","start":552.185,"end":553.245,"sentiment":"positive","sentiment_score":0.775410016377767},{"text":"Otherwise, when I guess when it comes to goals, stuff that you are working towards, is there anything in the next couple of year that you are focusing on?","start":554.425,"end":562.26,"sentiment":"neutral","sentiment_score":0.04978819827324357},{"text":"Yep.","start":571.92,"end":572.355,"sentiment":"neutral","sentiment_score":0.05035855993628502}],"sentiment":"neutral","sentiment_score":0.14091399019317968,"num_words":35,"start":551.065,"end":572.355},{"sentences":[{"text":"Mhmm.","start":576.915,"end":577.415,"sentiment":"neutral","sentiment_score":0.03386138007044792},{"text":"Yep.","start":579.07495,"end":579.57495,"sentiment":"neutral","sentiment_score":0.03923132643103599},{"text":"Yep.","start":581.555,"end":582.055,"sentiment":"neutral","sentiment_score":0.1373572051525116},{"text":"Perfect.","start":582.51495,"end":583.01495,"sentiment":"positive","sentiment_score":0.3890160322189331},{"text":"Yep.","start":587.1,"end":587.6,"sentiment":"neutral","sentiment_score":0.06435483694076538}],"sentiment":"neutral","sentiment_score":0.1327641561627388,"num_words":5,"start":576.915,"end":587.6},{"sentences":[{"text":"And if you don't have a mortgage broker or do you just wanna speak to someone about you got someone?","start":587.98,"end":595.36,"sentiment":"neutral","sentiment_score":0.012671299884095788},{"text":"Oh, perfect.","start":596.06,"end":596.88,"sentiment":"neutral","sentiment_score":0.2168279066681862},{"text":"That's good.","start":597.01996,"end":597.5,"sentiment":"positive","sentiment_score":0.4074302911758423},{"text":"That's good.","start":597.5,"end":598.06,"sentiment":"positive","sentiment_score":0.35493192076683044},{"text":"And they can obviously do a bit of an assessment on that.","start":598.06,"end":600.48,"sentiment":"neutral","sentiment_score":0.05374507357676824}],"sentiment":"neutral","sentiment_score":0.07517755573223296,"num_words":38,"start":587.98,"end":600.48},{"sentences":[{"text":"Now, Andrew, to make it quicker for you, I won't go through the whole risk profile questionnaire again.","start":601.615,"end":607.475,"sentiment":"neutral","sentiment_score":0.026364830426043935},{"text":"Just wanna check if your risk tolerance and how you feel about market fluctuation, has any of that changed, or are you still kind of feeling the same as when we spoke last year?","start":608.575,"end":619.24,"sentiment":"neutral","sentiment_score":-0.015921454602742895},{"text":"Mhmm.","start":620.42,"end":620.92,"sentiment":"neutral","sentiment_score":-0.04125057905912399},{"text":"Yes.","start":622.82,"end":623.32,"sentiment":"neutral","sentiment_score":-0.03349323570728302},{"text":"Mhmm.","start":630.5,"end":630.855,"sentiment":"neutral","sentiment_score":-0.08699970692396164}],"sentiment":"neutral","sentiment_score":-0.004154655100269751,"num_words":55,"start":601.615,"end":630.855},{"sentences":[{"text":"Mhmm.","start":641.975,"end":642.21497,"sentiment":"neutral","sentiment_score":-0.0290001779794693},{"text":"Okay.","start":642.21497,"end":642.71497,"sentiment":"neutral","sentiment_score":-0.008643482811748981},{"text":"Because it's it's done pretty good.","start":642.855,"end":645.51495,"sentiment":"neutral","sentiment_score":0.18745457474142313},{"text":"So what I have done is, obviously, not now if you're busy, but I have sent you an email with some documents to go through.","start":645.83997,"end":654.63995,"sentiment":"neutral","sentiment_score":0.030689397510141134},{"text":"So I'll quickly run through them with you now.","start":654.63995,"end":656.8,"sentiment":"neutral","sentiment_score":0.07119698036048147}],"sentiment":"neutral","sentiment_score":0.059406941634647194,"num_words":42,"start":641.975,"end":656.8},{"sentences":[{"text":"And then later, obviously, when you have a bit more time, just jump in the email for me and and have a look at the documents.","start":656.8,"end":663.45496,"sentiment":"neutral","sentiment_score":0.05181676521897316},{"text":"Now one of the document is a performance report.","start":664.795,"end":668.495,"sentiment":"neutral","sentiment_score":0.05928294857343038},{"text":"Now that one here shows you the last twelve months.","start":670.235,"end":673.27496,"sentiment":"neutral","sentiment_score":0.07085168920457363},{"text":"So during the under review, we kind of like to look at it on, like, a twelve month period just to see, obviously, what's happened.","start":673.27496,"end":679.58,"sentiment":"neutral","sentiment_score":0.07092432931065559},{"text":"Since we spoke last time under review wise, it does break down all your individual investments, how they have performed, and this is all net of fees.","start":679.72,"end":689.745,"sentiment":"neutral","sentiment_score":0.1363122029988854}],"sentiment":"neutral","sentiment_score":0.08291584575913616,"num_words":97,"start":656.8,"end":689.745},{"sentences":[{"text":"So everything after fees as well.","start":690.065,"end":692.305,"sentiment":"neutral","sentiment_score":0.14642494668563208},{"text":"Now in the last twelve months, your portfolio has gone up so by 11.12%, which which is actually really good given what you touched on.","start":692.305,"end":705.94,"sentiment":"positive","sentiment_score":0.46387574553489686},{"text":"Given the last twelve months we've had, there's been a lot of fluctuations in the market, obviously, with everything in The US and with the war and stuff like that.","start":705.94,"end":713.78,"sentiment":"neutral","sentiment_score":-0.09095546981940666},{"text":"So it's been quite a quite a turbulent market in that way, and especially because you are in a aggressive portfolio.","start":713.78,"end":720.985,"sentiment":"neutral","sentiment_score":-0.1044555123718012},{"text":"So you have majority of your funds in those high growth options.","start":721.125,"end":725.46497,"sentiment":"neutral","sentiment_score":0.13447108368078867}],"sentiment":"neutral","sentiment_score":0.09751985604537929,"num_words":94,"start":690.065,"end":725.46497},{"sentences":[{"text":"So that means that on a short term, when there are more fluctuations in the market, you can feel it and see it more on the short term.","start":726.485,"end":733.94,"sentiment":"neutral","sentiment_score":0.0946658258991582},{"text":"But then, obviously, the long term is that you will, obviously, try to have higher returns as a result because you still have plenty of time until you can retire to try to boost your super as much as possible.","start":733.94,"end":745.48,"sentiment":"neutral","sentiment_score":0.12103411052376031},{"text":"Still plenty.","start":748.595,"end":749.57495,"sentiment":"neutral","sentiment_score":-0.07852262631058693},{"text":"Mhmm.","start":759.66,"end":760.16,"sentiment":"neutral","sentiment_score":-0.0926271826028824},{"text":"Oh, I can yeah.","start":762.45996,"end":763.27997,"sentiment":"neutral","sentiment_score":-0.032402724493294954}],"sentiment":"neutral","sentiment_score":0.09483632283906142,"num_words":75,"start":726.485,"end":763.27997},{"sentences":[{"text":"Yeah.","start":763.5,"end":764.0,"sentiment":"neutral","sentiment_score":-0.033059872686862946},{"text":"Yeah.","start":765.66,"end":766.06,"sentiment":"neutral","sentiment_score":-0.03181042522192001},{"text":"What I can do because there is obviously, things are always changing.","start":766.06,"end":770.16,"sentiment":"neutral","sentiment_score":-0.13247163904209933},{"text":"Sorry.","start":770.69995,"end":771.19995,"sentiment":"neutral","sentiment_score":-0.25565218925476074},{"text":"What I can do and there's obviously no guarantee on things.","start":771.74,"end":774.61505,"sentiment":"neutral","sentiment_score":-0.2681274657899683}],"sentiment":"neutral","sentiment_score":-0.18690708766763026,"num_words":26,"start":763.5,"end":774.61505},{"sentences":[{"text":"But what I can do is I can get the team to to draw up a new projection for you and email that through to you.","start":774.61505,"end":781.835,"sentiment":"neutral","sentiment_score":0.008709110892735994},{"text":"That way, you have it as a bit of an update.","start":781.895,"end":784.715,"sentiment":"neutral","sentiment_score":0.30331060561266815},{"text":"If you do have any questions when you get it, just let me know.","start":785.255,"end":788.54,"sentiment":"neutral","sentiment_score":0.15772521229726927},{"text":"But then that way, that gives you a bit of a bit of an update on where things are currently tracking.","start":789.0,"end":793.89996,"sentiment":"neutral","sentiment_score":0.23649680011329197},{"text":"No.","start":800.68,"end":801.18,"sentiment":"neutral","sentiment_score":-0.3088899850845337}],"sentiment":"neutral","sentiment_score":0.14285684019735415,"num_words":73,"start":774.61505,"end":801.18},{"sentences":[{"text":"No.","start":801.95496,"end":802.195,"sentiment":"neutral","sentiment_score":-0.1940122097730637},{"text":"That was I was like, did you just stop playing music, or what is happening?","start":802.195,"end":805.65497,"sentiment":"neutral","sentiment_score":-0.17900818188985188},{"text":"Oh, good.","start":808.435,"end":809.33496,"sentiment":"neutral","sentiment_score":0.13339048624038696},{"text":"Sorry.","start":810.51495,"end":810.995,"sentiment":"neutral","sentiment_score":0.05482181534171104},{"text":"I I will get this I will get that drawn up for you.","start":810.995,"end":814.21497,"sentiment":"neutral","sentiment_score":0.13972594302434188}],"sentiment":"neutral","sentiment_score":-0.02315921534318477,"num_words":32,"start":801.95496,"end":814.21497},{"sentences":[{"text":"And now it might be end of tomorrow, because there's obviously a bit of math and stuff.","start":814.355,"end":821.08,"sentiment":"neutral","sentiment_score":-0.03751270692138111},{"text":"Yeah.","start":821.08,"end":821.4,"sentiment":"neutral","sentiment_score":0.27873584628105164},{"text":"Perfect.","start":821.4,"end":821.9,"sentiment":"positive","sentiment_score":0.4044349193572998},{"text":"Now, obviously, when we spoke last year, we were looking at doing contributions of about $4.50 a month.","start":822.28,"end":829.5,"sentiment":"neutral","sentiment_score":0.040184978085259594},{"text":"And, obviously, at the moment, you are doing about $2.30 a month.","start":829.895,"end":833.835,"sentiment":"neutral","sentiment_score":-0.038398979852596916}],"sentiment":"neutral","sentiment_score":0.006285644801599639,"num_words":49,"start":814.355,"end":833.835},{"sentences":[{"text":"So, obviously, that yeah.","start":836.215,"end":839.655,"sentiment":"neutral","sentiment_score":-0.09513542661443353},{"text":"But what I can do anyway so if you are doing that 115 per fortnight, which I can see in your transaction account in Hub 24, I can just work with what no.","start":839.655,"end":852.54004,"sentiment":"neutral","sentiment_score":-0.0008532485332001339},{"text":"Let me triple check for you, but I did have a look just before we jumped on the phone.","start":852.54004,"end":858.32,"sentiment":"neutral","sentiment_score":-0.05034011033804793},{"text":"But let me just triple check for you.","start":858.65497,"end":861.15497,"sentiment":"neutral","sentiment_score":-0.031670728232711554},{"text":"Sorry.","start":871.375,"end":871.855,"sentiment":"neutral","sentiment_score":-0.122603140771389}],"sentiment":"neutral","sentiment_score":-0.02678661494014355,"num_words":65,"start":836.215,"end":871.855},{"sentences":[{"text":"Contributions is what you put in yourself.","start":871.855,"end":873.955,"sentiment":"neutral","sentiment_score":-0.06856198289564677},{"text":"Yeah.","start":875.75,"end":876.14996,"sentiment":"neutral","sentiment_score":0.023764312267303467},{"text":"So I have here that you had a deposit of $1.01 5, so 115 on the August 5.","start":876.14996,"end":884.89,"sentiment":"neutral","sentiment_score":0.01466539284835259},{"text":"And then you had the other one before that was the same amount, 115, which was the July 22.","start":885.99,"end":895.485,"sentiment":"neutral","sentiment_score":-0.018588297461208544},{"text":"Yep.","start":899.305,"end":899.625,"sentiment":"neutral","sentiment_score":-0.019615154713392258}],"sentiment":"neutral","sentiment_score":-0.012282289200178955,"num_words":46,"start":871.855,"end":899.625},{"sentences":[{"text":"And then the one before that was the fifteenth of July.","start":899.625,"end":902.84503,"sentiment":"neutral","sentiment_score":0.0027700371786274695},{"text":"So it looks like it's going in fortnightly.","start":904.81,"end":907.15,"sentiment":"neutral","sentiment_score":-0.012101546570193022},{"text":"So it it's obviously a little bit less.","start":909.13,"end":911.87,"sentiment":"neutral","sentiment_score":-0.19167205318808556},{"text":"It still makes a difference, though.","start":912.17004,"end":913.95,"sentiment":"neutral","sentiment_score":-0.0636058437327544},{"text":"So yeah.","start":914.09,"end":921.615,"sentiment":"neutral","sentiment_score":-0.0038870610296726227}],"sentiment":"neutral","sentiment_score":-0.05683221638734851,"num_words":35,"start":899.625,"end":921.615},{"sentences":[{"text":"What I can do for you is I can do the two projections so you have that kind of seeing how the compound makes a difference.","start":921.615,"end":929.055,"sentiment":"neutral","sentiment_score":0.0848567713625156},{"text":"I do one with what you're currently doing, which is a 115 per fortnight, and then I can do a second one showing a 115 per week so that you can see those difference.","start":929.055,"end":940.72,"sentiment":"neutral","sentiment_score":0.07171003597185892},{"text":"Would that be helpful?","start":940.72,"end":941.7,"sentiment":"neutral","sentiment_score":0.1270427145063877},{"text":"Yep.","start":943.27997,"end":943.6,"sentiment":"neutral","sentiment_score":0.24639026820659635},{"text":"Okay.","start":943.6,"end":943.92,"sentiment":"neutral","sentiment_score":0.31136181950569153}],"sentiment":"neutral","sentiment_score":0.08652030642737042,"num_words":66,"start":921.615,"end":943.92},{"sentences":[{"text":"Perfect.","start":943.92,"end":944.39996,"sentiment":"positive","sentiment_score":0.484696626663208},{"text":"I will get that emailed.","start":944.39996,"end":945.765,"sentiment":"neutral","sentiment_score":0.26447957158088686},{"text":"Yes.","start":951.205,"end":951.685,"sentiment":"neutral","sentiment_score":0.07867969572544098},{"text":"Yes.","start":951.685,"end":952.185,"sentiment":"neutral","sentiment_score":0.04685619473457336},{"text":"And, obviously, something to be mindful of, the more money you put in, the quicker your super is going to grow and compound.","start":952.245,"end":958.34503,"sentiment":"neutral","sentiment_score":0.025858768788368805}],"sentiment":"neutral","sentiment_score":0.08152845345677869,"num_words":31,"start":943.92,"end":958.34503},{"sentences":[{"text":"Obviously, the downside is that it means it's locked into super until you meet a condition of release.","start":958.8,"end":964.42,"sentiment":"neutral","sentiment_score":-0.18702466620339286},{"text":"So for example, retiring and turning 60.","start":964.56,"end":967.6,"sentiment":"neutral","sentiment_score":-0.12241259217262268},{"text":"So if you put the money in, it's obviously not something you can access straight away.","start":967.6,"end":973.03503,"sentiment":"neutral","sentiment_score":-0.14860644144937396},{"text":"So just obviously be mindful of that.","start":973.03503,"end":975.055,"sentiment":"neutral","sentiment_score":-0.08851466327905655},{"text":"Yep.","start":976.075,"end":976.575,"sentiment":"neutral","sentiment_score":0.08706732839345932}],"sentiment":"neutral","sentiment_score":-0.14558307172692553,"num_words":49,"start":958.8,"end":976.575},{"sentences":[{"text":"Perfect.","start":976.715,"end":977.215,"sentiment":"neutral","sentiment_score":0.23003937304019928},{"text":"Now the other couple of documents in that email for you to have a look at, there is a super insurance summary.","start":977.275,"end":984.17505,"sentiment":"neutral","sentiment_score":0.060364855284040626},{"text":"It just shows you a breakdown of your current superannuation.","start":984.69,"end":987.43,"sentiment":"neutral","sentiment_score":0.04648585952818394},{"text":"So at the moment, you have $59,932 in there with hub twenty four, and you have your MetLife insurance like you touched on.","start":988.05,"end":998.69,"sentiment":"neutral","sentiment_score":0.05129071090208447},{"text":"So it's about 1,250,000 worth of life and TPD.","start":998.69,"end":1003.775,"sentiment":"neutral","sentiment_score":0.06191328333483802}],"sentiment":"neutral","sentiment_score":0.05784354900511412,"num_words":65,"start":976.715,"end":1003.775},{"sentences":[{"text":"You also have your income protection, which will pay a a monthly amount of that 5,250, thirty day waiting period, five year benefit period, and then you also have that trauma policy with a tax life of a 100,000.","start":1005.515,"end":1020.16,"sentiment":"neutral","sentiment_score":0.054948577585701756},{"text":"You still happy with the level of cover and everything for your MetLife insurances for now?","start":1020.77997,"end":1025.44,"sentiment":"positive","sentiment_score":0.542674046009779},{"text":"Yep.","start":1026.86,"end":1027.095,"sentiment":"neutral","sentiment_score":0.13256853818893433},{"text":"Yes and no.","start":1036.855,"end":1038.155,"sentiment":"neutral","sentiment_score":0.04031748076279958},{"text":"Life, total permanent disability, and trauma, yes.","start":1038.615,"end":1041.8099,"sentiment":"neutral","sentiment_score":0.03930440704737391}],"sentiment":"neutral","sentiment_score":0.17203683472436035,"num_words":66,"start":1005.515,"end":1041.8099},{"sentences":[{"text":"You can have multiple policies on that.","start":1041.8099,"end":1044.07,"sentiment":"neutral","sentiment_score":0.11826587468385696},{"text":"Income protection, technically, you can have.","start":1044.2899,"end":1047.35,"sentiment":"neutral","sentiment_score":0.1426776722073555},{"text":"You can have as many as you want.","start":1047.8099,"end":1049.73,"sentiment":"neutral","sentiment_score":0.22587603516876698},{"text":"The only thing is you might not be able to claim on all of them because how it works is that it only covers you for 70% of your income.","start":1049.73,"end":1059.1849,"sentiment":"neutral","sentiment_score":0.0032927592595418296},{"text":"So let's say you have five income protection policies, paying 5,000 a month, you're not gonna be able to claim on all of them because combined, they can only cover 70% of your income.","start":1059.1849,"end":1070.3099,"sentiment":"neutral","sentiment_score":-0.049011843744665384}],"sentiment":"neutral","sentiment_score":0.0226272415041047,"num_words":85,"start":1041.8099,"end":1070.3099},{"sentences":[{"text":"Yes.","start":1072.29,"end":1072.79,"sentiment":"neutral","sentiment_score":0.0141684552654624},{"text":"Correct.","start":1073.41,"end":1073.91,"sentiment":"neutral","sentiment_score":0.0334656685590744},{"text":"Correct.","start":1076.13,"end":1076.63,"sentiment":"neutral","sentiment_score":0.052857331931591034},{"text":"Correct.","start":1077.25,"end":1077.75,"sentiment":"neutral","sentiment_score":0.06801366060972214},{"text":"So that is the only thing with income protection that you ideally don't wanna have multiple correct.","start":1078.45,"end":1088.765,"sentiment":"neutral","sentiment_score":0.03143339669879745}],"sentiment":"neutral","sentiment_score":0.03347013620216222,"num_words":21,"start":1072.29,"end":1088.765},{"sentences":[{"text":"Especially with income protection.","start":1088.905,"end":1090.525,"sentiment":"neutral","sentiment_score":-0.04161975160241127},{"text":"And then, also, if it if it were to make a claim, it makes it tricky having to go through multiple different insurers, and it often makes it more expensive than having a higher amount with one insurer.","start":1090.985,"end":1104.3999,"sentiment":"neutral","sentiment_score":-0.12612246378864111},{"text":"Yep.","start":1106.14,"end":1106.64,"sentiment":"neutral","sentiment_score":0.04213223978877067},{"text":"Yeah.","start":1116.005,"end":1116.405,"sentiment":"neutral","sentiment_score":0.0482533797621727},{"text":"And is the and is that income protection, or is that a different type of insurer?","start":1116.405,"end":1122.8251,"sentiment":"neutral","sentiment_score":-0.010828828730154783}],"sentiment":"neutral","sentiment_score":-0.08403347117515901,"num_words":60,"start":1088.905,"end":1122.8251},{"sentences":[{"text":"Because, obviously, you might have, like, your public policy.","start":1123.0,"end":1126.2999,"sentiment":"neutral","sentiment_score":-0.021116106253531244},{"text":"Yeah.","start":1126.52,"end":1127.02,"sentiment":"neutral","sentiment_score":0.046154364943504333},{"text":"Okay.","start":1131.1599,"end":1131.6599,"sentiment":"neutral","sentiment_score":0.03192075341939926},{"text":"Yeah.","start":1131.88,"end":1132.2799,"sentiment":"neutral","sentiment_score":0.015661783516407013},{"text":"You can always email that through to me if you want or just give me a call.","start":1132.2799,"end":1135.875,"sentiment":"neutral","sentiment_score":0.12675050843287916}],"sentiment":"neutral","sentiment_score":0.07098105479160259,"num_words":29,"start":1123.0,"end":1135.875},{"sentences":[{"text":"Yes.","start":1141.795,"end":1142.115,"sentiment":"neutral","sentiment_score":0.13437148928642273},{"text":"Yeah.","start":1142.115,"end":1142.615,"sentiment":"neutral","sentiment_score":0.1892235577106476},{"text":"Exactly.","start":1142.915,"end":1143.415,"sentiment":"neutral","sentiment_score":0.3219926953315735},{"text":"So we can definitely have a look at that.","start":1143.475,"end":1144.995,"sentiment":"positive","sentiment_score":0.4497075014644199},{"text":"So have a look.","start":1144.995,"end":1145.555,"sentiment":"neutral","sentiment_score":0.22204943746328354}],"sentiment":"positive","sentiment_score":0.3488220628350973,"num_words":16,"start":1141.795,"end":1145.555},{"sentences":[{"text":"If you do have income protection, you can just email that policy through or just give give me a call to say, hey.","start":1145.555,"end":1151.21,"sentiment":"neutral","sentiment_score":0.17025637270315833},{"text":"I have this.","start":1151.21,"end":1152.03,"sentiment":"neutral","sentiment_score":0.17623131473859152},{"text":"Can we talk about the insurance?","start":1152.41,"end":1154.33,"sentiment":"neutral","sentiment_score":0.11741405973831813},{"text":"Then we can and we can work out and see what we want to do because, yes, you don't wanna pay for too much if you can't claim on it because then we can look at what's best for you.","start":1154.33,"end":1163.3351,"sentiment":"neutral","sentiment_score":0.1448026972822845},{"text":"Now I know you have to go, so I'll just quickly say there's a couple of other documents.","start":1163.3351,"end":1168.395,"sentiment":"neutral","sentiment_score":0.11152107413444254}],"sentiment":"neutral","sentiment_score":0.14387291222810744,"num_words":90,"start":1145.555,"end":1168.395},{"sentences":[{"text":"There is your certificate of currency.","start":1169.015,"end":1170.875,"sentiment":"neutral","sentiment_score":0.12452710544069608},{"text":"It just breaks down all your insurances in a bit more detail if you do wanna have a look at that, but basically shows you it's all paid and up to date.","start":1170.935,"end":1178.2351,"sentiment":"neutral","sentiment_score":0.14223957527428865},{"text":"You'll have another financial services guide, just that compliance form that gives you all the important information in regards to us here at Oakview.","start":1178.58,"end":1186.2,"sentiment":"neutral","sentiment_score":0.25316470054288703},{"text":"There is two documents it will ask you to sign if you're happy to do so when you've had a chance to look at the documents.","start":1187.0599,"end":1192.52,"sentiment":"neutral","sentiment_score":0.21449025433797103},{"text":"One is a ongoing service agreement.","start":1193.355,"end":1195.935,"sentiment":"neutral","sentiment_score":0.21273634831110635}],"sentiment":"neutral","sentiment_score":0.1939143250755807,"num_words":94,"start":1169.015,"end":1195.935},{"sentences":[{"text":"Now that one here is basically to say that you are happy to stay on as a client.","start":1196.075,"end":1200.655,"sentiment":"positive","sentiment_score":0.4270756592353185},{"text":"Now there is no changes whatsoever in regards to the fee structure for you.","start":1201.755,"end":1205.355,"sentiment":"neutral","sentiment_score":0.06022437768323081},{"text":"It stays exactly the same at 1.65.","start":1205.355,"end":1208.335,"sentiment":"neutral","sentiment_score":0.22141913431031363},{"text":"No changes in regards to that.","start":1208.58,"end":1210.5,"sentiment":"neutral","sentiment_score":-0.007150710249940555},{"text":"And, Andrew, it is not a lock in contract.","start":1210.5,"end":1212.58,"sentiment":"neutral","sentiment_score":0.01169502404001024}],"sentiment":"neutral","sentiment_score":0.1878294083117335,"num_words":54,"start":1196.075,"end":1212.58},{"sentences":[{"text":"So if at any point in time, you are not happy, it is not a lock in contract.","start":1212.58,"end":1216.52,"sentiment":"neutral","sentiment_score":-0.030874274878038302},{"text":"So by signing this, otherwise, it just allows us to manage everything for you in the time.","start":1216.82,"end":1222.0751,"sentiment":"neutral","sentiment_score":0.28612765406861024},{"text":"Does that make sense?","start":1222.0751,"end":1223.135,"sentiment":"neutral","sentiment_score":0.18071676045656204},{"text":"Yep.","start":1223.915,"end":1224.2351,"sentiment":"neutral","sentiment_score":0.3122257888317108},{"text":"Beautiful.","start":1224.2351,"end":1224.7351,"sentiment":"neutral","sentiment_score":0.04502503201365471}],"sentiment":"neutral","sentiment_score":0.13142807400081216,"num_words":41,"start":1212.58,"end":1224.7351},{"sentences":[{"text":"There is one last document it will ask you to sign as well, and it's just a compliance form to say we are keeping your tax file number secure and safe on file.","start":1225.115,"end":1233.535,"sentiment":"neutral","sentiment_score":0.12937832127014795},{"text":"Now I know that was pretty fast, but do you have any questions for me at this point otherwise?","start":1234.8099,"end":1240.35,"sentiment":"neutral","sentiment_score":0.05959104079949228},{"text":"No.","start":1241.7699,"end":1242.1699,"sentiment":"neutral","sentiment_score":-0.16322916746139526},{"text":"Okay.","start":1242.1699,"end":1242.6699,"sentiment":"neutral","sentiment_score":0.13611099123954773},{"text":"Yes.","start":1245.45,"end":1245.795,"sentiment":"neutral","sentiment_score":0.06496813893318176}],"sentiment":"neutral","sentiment_score":0.09890116981484673,"num_words":55,"start":1225.115,"end":1245.795},{"sentences":[{"text":"This is just the office, but you can just ask directly for me as well.","start":1249.795,"end":1254.535,"sentiment":"neutral","sentiment_score":0.06689935425917308},{"text":"Now I do also want to let you know on a personal note that I will be going on maternity leave shortly.","start":1255.3151,"end":1262.91,"sentiment":"neutral","sentiment_score":0.06786531667140397},{"text":"So thank you very much.","start":1264.49,"end":1266.8301,"sentiment":"positive","sentiment_score":0.6403794169425965},{"text":"Sorry.","start":1267.2101,"end":1267.7101,"sentiment":"neutral","sentiment_score":-0.07627284526824951},{"text":"I will be leaving on the September 10, and I will be off for about twelve months.","start":1267.77,"end":1273.955,"sentiment":"neutral","sentiment_score":-0.12383920567877152}],"sentiment":"neutral","sentiment_score":0.058614750392735004,"num_words":60,"start":1249.795,"end":1273.955},{"sentences":[{"text":"What I will do is I will send you a email with a handover to my colleague, Jenna, who will kind of take over from me while I'm away.","start":1275.375,"end":1285.775,"sentiment":"neutral","sentiment_score":0.004285497494555753},{"text":"So you'll have her direct contact email.","start":1285.775,"end":1288.115,"sentiment":"neutral","sentiment_score":0.044235682381050925},{"text":"If you forget or you just email me directly, everything will be forwarded on to her anyway.","start":1288.47,"end":1293.0499,"sentiment":"neutral","sentiment_score":0.002793580841492204},{"text":"Or if you forget, you just call the office and you ask for me, they know as well.","start":1293.11,"end":1297.37,"sentiment":"neutral","sentiment_score":0.007542866023464335},{"text":"So if I hear from you before, we can obviously chat about that.","start":1298.5499,"end":1301.745,"sentiment":"neutral","sentiment_score":0.01587327798971763}],"sentiment":"neutral","sentiment_score":0.009804098578613429,"num_words":84,"start":1275.375,"end":1301.745},{"sentences":[{"text":"If not, I will give Jenna a bit of a rundown of what we spoke about today in regards to those insurances, but I will make sure you get those projections by end of business day tomorrow with the two comparisons.","start":1301.985,"end":1315.25,"sentiment":"neutral","sentiment_score":0.04630321118889785},{"text":"But anything else you need in the meantime, don't hesitate to to give me a call.","start":1316.27,"end":1321.0901,"sentiment":"neutral","sentiment_score":0.0336453455965966},{"text":"But if I don't hear from you, obviously, I wish you all the best in the meantime, and I will speak to you next year.","start":1321.23,"end":1327.3301,"sentiment":"neutral","sentiment_score":0.05356755498796702},{"text":"Yeah.","start":1333.965,"end":1334.465,"sentiment":"neutral","sentiment_score":-0.024900216609239575},{"text":"Yeah.","start":1335.1649,"end":1335.6649,"sentiment":"neutral","sentiment_score":0.03951795771718025}],"sentiment":"neutral","sentiment_score":0.04512575957258897,"num_words":84,"start":1301.985,"end":1335.6649},{"sentences":[{"text":"Yeah.","start":1336.125,"end":1336.625,"sentiment":"neutral","sentiment_score":0.1938439309597015},{"text":"Beautiful.","start":1337.245,"end":1337.745,"sentiment":"positive","sentiment_score":0.4395141005516052},{"text":"Yeah.","start":1340.125,"end":1340.4,"sentiment":"neutral","sentiment_score":0.06456694006919861},{"text":"Yeah.","start":1341.36,"end":1341.86,"sentiment":"neutral","sentiment_score":0.1482899785041809},{"text":"Will do.","start":1341.92,"end":1342.4,"sentiment":"neutral","sentiment_score":0.2987714260816574}],"sentiment":"neutral","sentiment_score":0.24062630037466684,"num_words":6,"start":1336.125,"end":1342.4},{"sentences":[{"text":"Thank you so much, Andrew.","start":1342.4,"end":1343.7001,"sentiment":"positive","sentiment_score":0.6797224164009095},{"text":"I will.","start":1345.36,"end":1345.92,"sentiment":"positive","sentiment_score":0.4936915636062622},{"text":"And have a look at those emails as well when you have a moment for me.","start":1345.92,"end":1348.98,"sentiment":"positive","sentiment_score":0.33727528993040323},{"text":"Yeah.","start":1350.0801,"end":1350.48,"sentiment":"positive","sentiment_score":0.4234666526317597},{"text":"Okay.","start":1350.48,"end":1350.98,"sentiment":"neutral","sentiment_score":0.30565160512924194}],"sentiment":"positive","sentiment_score":0.420460724234581,"num_words":25,"start":1342.4,"end":1350.98},{"sentences":[{"text":"No worries.","start":1351.36,"end":1352.0,"sentiment":"positive","sentiment_score":0.3701305389404297},{"text":"Thanks, Sue.","start":1352.0,"end":1352.8201,"sentiment":"positive","sentiment_score":0.40965938568115234},{"text":"Bye.","start":1352.9601,"end":1353.4401,"sentiment":"neutral","sentiment_score":0.22592668235301971},{"text":"Bye.","start":1353.4401,"end":1353.9401,"sentiment":"neutral","sentiment_score":-0.11208966374397278}],"sentiment":"neutral","sentiment_score":0.2789028113087018,"num_words":6,"start":1351.36,"end":1353.9401}]}}]},{"alternatives":[{"transcript":"Hello? Hello? It is. Yep. Speaking. Good. Veronica Hastings. That's good. Yeah. Yeah. Kind of. It'll take, what, fifteen minutes? Probably fifteen minutes. Yes. And, obviously, I I made the appointment last week. Just something popped up today. I should be off on Friday, but if you wanna just do it quickly or do Friday or we can do it today for half an hour. Okay. Yep. Yep. Will do. Thank you. Yep. Do you have what on file? Oh, password. Yeah. Yeah. Yeah. OdenvalleTorren. I have no choice. No. But we we just like the the North kinda names. Oh, are you? Yeah. Yeah. No. Like, I'm Irish, obviously, but I don't know. We just loved watching we started watching that Viking series. And yeah. And then when we went back home to Ireland after we got married, we've seen they were filming it there. So my wife's got photos with Bjorn and stuff like that and all his gear. Yeah. She she was, like, prodding, and I was like, oh, I need a photo with luggage and now couldn't get one, though. But yeah. So we just said we'd give them all well, kinda dull, kinda nice names. Thank you. Yep. Yep. Yep. Yep. Pretty similar to mine. So 0459 466447. No. No. Unfortunately, I'm still a painter. Yeah. Yeah. Yeah. Something like that. Yep. $1.50 and 4. No. Yeah. They're both. Oh, $1.50 and yeah. Okay. I just have that automatically. But, yeah, I'm hoping to start potentially adding a little bit more to get. Yeah. Well, I wanna I don't wanna be doing this for so many years. So if I can retire, you know, I'm gonna have to put in a little bit more to boost it up. Yes. Yep. Yep. No. No. No. So we've moved house. We sold that last house. So property was the house is probably valued at around $9.70 to $9.80. Mortgage, $6.70. Yep. No. That's the old that's the old price. Yes. Yeah. Yeah. What? The value of it? Yeah. Probably around 27, actually. Quite looking at it, like yeah. Yeah. About no. That would be that's paid off. The the is is is paid off, and that's paid off. It's probably value is, I don't know, maybe 60 now, like, depreciation. 65 or something like that. You know? Yeah. And I was at a I ended up buying another car. Right? Yeah. Range Rover. Stupid. Stupid. Very nice car, but for the it's just my wife says that's a midlife crisis. I was like, no. I just thought I I just thought I deserved a nice car. You know what I mean? Like, instead of driving the it it is. Oh, it's not brand new, but, like, it's 20 15 or something like that, but it's it's still mod modern to even to look at these days. But yeah. So finance on that was I just ran today. The payout is $51.50 1 5 so 51,005 100. Yeah. I'm making 9 $9.15 payments a month. And I just think, man, if I'm gonna try and sell that because I only drive on weekends. And if I can get rid of that, I I'll probably owe I'll probably owe a little bit of money anyway. I don't think I'll sell if I wanna pay for it. But, yeah, then at least that way, I can start making some more contributions into the silver. Just make more sense. Yeah. 40 I think all the finance and everything like that was 44 and a bit. And, yeah, it was 40. Then I got added warranty and all that, and then, obviously, financial fees, all that kind of stuff added in. So it was around 40 something, 44. And as I say, pay payout is 40 $51.05. And if I go if I go the whole length of the term over seven years, it's, like, $70.70 grand. So I'm, like, fucking stupid. I'm not getting rid of it. Yeah. No. No. Yeah. Everything's good. Yep. I don't think we do. I think we set up one just a a rough one when we got married, but it's like one of those newsagent ones. So we really need to go and get one of the the proper ones, you know, for power of attorney and stuff like that. Yeah. Yeah. I can do. Yeah. Yep. Yep. Yes. Oh, no. You guys sent Yeah. I I rang up the other week, and Jack got something sent out to me. He sent it out. It was all signed. So pretty much, I just I just haven't had time to print it off and scan it. And, yeah, sign it, sign it, scan it. But yeah. But I have it all in in in the inbox so I know where it is and stuff like that. Yeah. We've kinda decided, like, that's why I wanna sell that car because, you know, obviously, it'll look better for the bank, but potentially get a an investment property. You know, use some of the equity, maybe you redraw under grand at that and get get something, you know, for around the $3.03 50 mark. So in in rural, yeah, kinda South Australia. We have Roker. We have our Roker. Yeah. Yes. Well, obviously, when I signed with you, then the whole thing in Iran and bloody, you know, and all that kinda happened. So that kinda when I asked, they gave me a, like, a rough estimate of what it was. And I was like, oh, shit. Didn't didn't earn too much profit in the in that time frame. You know what I mean? And then I was high risk, high reward. So, yeah, I don't know. Like like, what go. Yeah. Yep. Yep. Yep. Okay. Yep. Yep. Yep. I wouldn't say plenty of time. It's taken down. Okay. Like, what's the projected kinda, like, you know, if if we keep going over the projection for what I can retire on at my age? Like because, obviously, I don't wanna retire with nothing, and I don't wanna have to keep really working till, you know, 70 and stuff. No. I know that. Yep. Yes. Sorry, love. You I think I'll put you on hold there. I can I have a have a yeah? Yeah. No. Have a look to me here and take me here. Just press the button. Yep. Yeah. Yeah. There's no no rush on it. Yep. Yep. Oh, okay. See, that's what I'm saying. That's what I need to get rid of that bloody car. It's a 115 a 4? No. I thought it was 115 a week. No. That's the MetLife, isn't it, that comes out? No? Yeah. Yeah. So that would have been the two e. Okay. Okay. Yep. Yep. So I really don't need to bump that maybe up to weekly and make a little bit more. Yep. Yep. Yeah. That'd be great. Thank you. Bit more of a visual person. So if I can see it, then then it's a bit more of a realistic goal to kinda kick in the ass. Yes. Yeah. Yep. Yep. No worries. Mhmm. Yep. Yes. Yeah. Yeah. Obviously, I'm I'm allowed as many insurance policies as possible. I can get another insurance policy with a different company, can't I? Like, it doesn't really matter. Like, if I'm paying yeah. Yeah. Yeah. Like, even combined. So they could only bloody do, like, 15% each. Something like that. Yeah. Right. Okay. Okay. Well alright. So I'll I'll start just having the best of just having the one policy then. Okay. Yeah. Yeah. Yeah. Gotcha. Okay. I'll I'll check and make sure my NRMA isn't I'll just see which is the best one, which is cheaper and which just covers the most, and I'll just go with that. I'll get back to you I'll get back to you with the with that one. Yeah. I have public liability. And I think I'm pretty sure I've got income protection as well, but I'll double check. Right. Because there there's more monthly premiums that, you know, I could be putting into into a super account if it's gonna cost me whatever. You know? Yep. Yes. Yep. Okay. Yep. Yep. Mhmm. Yep. Yep. Yep. Yep. Yep. No. No. That's pretty good. As I said, I'll just get back to you with my insurance things. And is this a direct number for you, or is this just the office? Yep. Okay. Well, congratulations. Yep. Yep. Yep. Yep. Yes. Yes. Yes. Yes. Yep. Yeah. No worries. I'll try and get all that done before September 10. And, obviously, if I don't speak to you, so it's best to look with the baby. I know what it's like. First one? Well yeah. Well, enjoy the whole whole experience. K? Take take it all in and, yeah, embrace it. Alright, love. Will do. Thanks, Veronica. Cheers, love. See you then. 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Hello? It is. Yep. Speaking.\n\nGood. Veronica Hastings. That's good. Yeah. Yeah.\n\nKind of. It'll take, what, fifteen minutes? Probably fifteen minutes. Yes. And, obviously, I I made the appointment last week.\n\nJust something popped up today. I should be off on Friday, but if you wanna just do it quickly or do Friday or we can do it today for half an hour. Okay. Yep. Yep.\n\nWill do. Thank you. Yep. Do you have what on file? Oh, password.\n\nYeah. Yeah. Yeah. OdenvalleTorren. I have no choice.\n\nNo. But we we just like the the North kinda names. Oh, are you? Yeah. Yeah.\n\nNo. Like, I'm Irish, obviously, but I don't know. We just loved watching we started watching that Viking series. And yeah. And then when we went back home to Ireland after we got married, we've seen they were filming it there.\n\nSo my wife's got photos with Bjorn and stuff like that and all his gear. Yeah. She she was, like, prodding, and I was like, oh, I need a photo with luggage and now couldn't get one, though. But yeah. So we just said we'd give them all well, kinda dull, kinda nice names.\n\nThank you. Yep. Yep. Yep. Yep.\n\nPretty similar to mine. So 0459 466447. No. No. Unfortunately, I'm still a painter.\n\nYeah. Yeah. Yeah. Something like that. Yep.\n\n$1.50 and 4. No. Yeah. They're both. Oh, $1.50 and yeah.\n\nOkay. I just have that automatically. But, yeah, I'm hoping to start potentially adding a little bit more to get. Yeah. Well, I wanna I don't wanna be doing this for so many years.\n\nSo if I can retire, you know, I'm gonna have to put in a little bit more to boost it up. Yes. Yep. Yep. No.\n\nNo. No. So we've moved house. We sold that last house. So property was the house is probably valued at around $9.70 to $9.80.\n\nMortgage, $6.70. Yep. No. That's the old that's the old price. Yes.\n\nYeah. Yeah. What? The value of it? Yeah.\n\nProbably around 27, actually. Quite looking at it, like yeah. Yeah. About no. That would be that's paid off.\n\nThe the is is is paid off, and that's paid off. It's probably value is, I don't know, maybe 60 now, like, depreciation. 65 or something like that. You know? Yeah.\n\nAnd I was at a I ended up buying another car. Right? Yeah. Range Rover. Stupid.\n\nStupid. Very nice car, but for the it's just my wife says that's a midlife crisis. I was like, no. I just thought I I just thought I deserved a nice car. You know what I mean?\n\nLike, instead of driving the it it is. Oh, it's not brand new, but, like, it's 20 15 or something like that, but it's it's still mod modern to even to look at these days. But yeah. So finance on that was I just ran today. The payout is $51.50 1 5 so 51,005 100.\n\nYeah. I'm making 9 $9.15 payments a month. And I just think, man, if I'm gonna try and sell that because I only drive on weekends. And if I can get rid of that, I I'll probably owe I'll probably owe a little bit of money anyway. I don't think I'll sell if I wanna pay for it.\n\nBut, yeah, then at least that way, I can start making some more contributions into the silver. Just make more sense. Yeah. 40 I think all the finance and everything like that was 44 and a bit. And, yeah, it was 40.\n\nThen I got added warranty and all that, and then, obviously, financial fees, all that kind of stuff added in. So it was around 40 something, 44. And as I say, pay payout is 40 $51.05. And if I go if I go the whole length of the term over seven years, it's, like, $70.70 grand. So I'm, like, fucking stupid.\n\nI'm not getting rid of it. Yeah. No. No. Yeah.\n\nEverything's good. Yep. I don't think we do. I think we set up one just a a rough one when we got married, but it's like one of those newsagent ones. So we really need to go and get one of the the proper ones, you know, for power of attorney and stuff like that.\n\nYeah. Yeah. I can do. Yeah. Yep.\n\nYep. Yes. Oh, no. You guys sent Yeah. I I rang up the other week, and Jack got something sent out to me.\n\nHe sent it out. It was all signed. So pretty much, I just I just haven't had time to print it off and scan it. And, yeah, sign it, sign it, scan it. But yeah.\n\nBut I have it all in in in the inbox so I know where it is and stuff like that. Yeah. We've kinda decided, like, that's why I wanna sell that car because, you know, obviously, it'll look better for the bank, but potentially get a an investment property. You know, use some of the equity, maybe you redraw under grand at that and get get something, you know, for around the $3.03 50 mark. So in in rural, yeah, kinda South Australia.\n\nWe have Roker. We have our Roker. Yeah. Yes. Well, obviously, when I signed with you, then the whole thing in Iran and bloody, you know, and all that kinda happened.\n\nSo that kinda when I asked, they gave me a, like, a rough estimate of what it was. And I was like, oh, shit. Didn't didn't earn too much profit in the in that time frame. You know what I mean? And then I was high risk, high reward.\n\nSo, yeah, I don't know. Like like, what go. Yeah. Yep. Yep.\n\nYep. Okay. Yep. Yep. Yep.\n\nI wouldn't say plenty of time. It's taken down. Okay. Like, what's the projected kinda, like, you know, if if we keep going over the projection for what I can retire on at my age? Like because, obviously, I don't wanna retire with nothing, and I don't wanna have to keep really working till, you know, 70 and stuff.\n\nNo. I know that. Yep. Yes. Sorry, love.\n\nYou I think I'll put you on hold there. I can I have a have a yeah? Yeah. No. Have a look to me here and take me here.\n\nJust press the button. Yep. Yeah. Yeah. There's no no rush on it.\n\nYep. Yep. Oh, okay. See, that's what I'm saying. That's what I need to get rid of that bloody car.\n\nIt's a 115 a 4? No. I thought it was 115 a week. No. That's the MetLife, isn't it, that comes out?\n\nNo? Yeah. Yeah. So that would have been the two e. Okay.\n\nOkay. Yep. Yep. So I really don't need to bump that maybe up to weekly and make a little bit more. Yep.\n\nYep. Yeah. That'd be great. Thank you. Bit more of a visual person.\n\nSo if I can see it, then then it's a bit more of a realistic goal to kinda kick in the ass. Yes. Yeah. Yep. Yep.\n\nNo worries. Mhmm. Yep. Yes. Yeah.\n\nYeah. Obviously, I'm I'm allowed as many insurance policies as possible. I can get another insurance policy with a different company, can't I? Like, it doesn't really matter. Like, if I'm paying yeah.\n\nYeah. Yeah. Like, even combined. So they could only bloody do, like, 15% each. Something like that.\n\nYeah. Right. Okay. Okay. Well alright.\n\nSo I'll I'll start just having the best of just having the one policy then. Okay. Yeah. Yeah. Yeah.\n\nGotcha. Okay. I'll I'll check and make sure my NRMA isn't I'll just see which is the best one, which is cheaper and which just covers the most, and I'll just go with that. I'll get back to you I'll get back to you with the with that one. Yeah.\n\nI have public liability. And I think I'm pretty sure I've got income protection as well, but I'll double check. Right. Because there there's more monthly premiums that, you know, I could be putting into into a super account if it's gonna cost me whatever. You know?\n\nYep. Yes. Yep. Okay. Yep.\n\nYep. Mhmm. Yep. Yep. Yep.\n\nYep. Yep. No. No. That's pretty good.\n\nAs I said, I'll just get back to you with my insurance things. And is this a direct number for you, or is this just the office? Yep. Okay. Well, congratulations.\n\nYep. Yep. Yep. Yep. Yes.\n\nYes. Yes. Yes. Yep. Yeah.\n\nNo worries. I'll try and get all that done before September 10. And, obviously, if I don't speak to you, so it's best to look with the baby. I know what it's like. First one?\n\nWell yeah. Well, enjoy the whole whole experience. K? Take take it all in and, yeah, embrace it. Alright, love.\n\nWill do. Thanks, Veronica. Cheers, love. See you then. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.03582683205604553},{"text":"Hello?","start":5.12,"end":5.62,"sentiment":"neutral","sentiment_score":0.042878612875938416},{"text":"It is.","start":8.4,"end":8.8,"sentiment":"neutral","sentiment_score":0.07690747082233429},{"text":"Yep.","start":8.8,"end":9.04,"sentiment":"neutral","sentiment_score":0.10144752264022829},{"text":"Speaking.","start":9.04,"end":9.54,"sentiment":"neutral","sentiment_score":0.09799566864967346}],"sentiment":"neutral","sentiment_score":0.0719939296444257,"num_words":6,"start":1.1999999,"end":9.54},{"sentences":[{"text":"Good.","start":13.28,"end":13.5199995,"sentiment":"positive","sentiment_score":0.4048478603363037},{"text":"Veronica Hastings.","start":13.5199995,"end":14.5,"sentiment":"neutral","sentiment_score":0.29220521450042725},{"text":"That's 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hour.","start":47.005,"end":55.479996,"sentiment":"neutral","sentiment_score":0.06207274445505054},{"text":"Okay.","start":56.379997,"end":56.879997,"sentiment":"neutral","sentiment_score":0.03593912720680237},{"text":"Yep.","start":60.859997,"end":61.019997,"sentiment":"neutral","sentiment_score":0.020918946713209152},{"text":"Yep.","start":61.019997,"end":61.26,"sentiment":"neutral","sentiment_score":0.05928736552596092}],"sentiment":"neutral","sentiment_score":0.06006361198212419,"num_words":35,"start":44.525,"end":61.26},{"sentences":[{"text":"Will do.","start":61.26,"end":61.739998,"sentiment":"neutral","sentiment_score":0.1083778478205204},{"text":"Thank you.","start":61.739998,"end":62.399998,"sentiment":"positive","sentiment_score":0.38247954845428467},{"text":"Yep.","start":67.715,"end":68.215,"sentiment":"neutral","sentiment_score":0.011250654235482216},{"text":"Do you have what on 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stupid.","start":465.465,"end":467.305,"sentiment":"negative","sentiment_score":-0.4512974560260773}],"sentiment":"neutral","sentiment_score":-0.0867985624926867,"num_words":61,"start":447.43,"end":467.305},{"sentences":[{"text":"I'm not getting rid of it.","start":467.305,"end":468.765,"sentiment":"negative","sentiment_score":-0.4315924694140752},{"text":"Yeah.","start":473.23,"end":473.73,"sentiment":"neutral","sentiment_score":-0.009716805070638657},{"text":"No.","start":479.31003,"end":479.71002,"sentiment":"neutral","sentiment_score":-0.04265807569026947},{"text":"No.","start":479.71002,"end":480.21002,"sentiment":"neutral","sentiment_score":-0.050312381237745285},{"text":"Yeah.","start":481.71002,"end":482.03003,"sentiment":"positive","sentiment_score":0.3394191265106201}],"sentiment":"neutral","sentiment_score":-0.23528229519724847,"num_words":10,"start":467.305,"end":482.03003},{"sentences":[{"text":"Everything's good.","start":482.03003,"end":482.67,"sentiment":"positive","sentiment_score":0.42367179691791534},{"text":"Yep.","start":482.67,"end":483.17,"sentiment":"neutral","sentiment_score":0.21990057826042175},{"text":"I don't think we do.","start":488.675,"end":489.635,"sentiment":"neutral","sentiment_score":-0.007826988399028779},{"text":"I think we set up one just a a rough one when we got married, but it's like one of those newsagent ones.","start":489.635,"end":495.635,"sentiment":"neutral","sentiment_score":-0.07676655985414982},{"text":"So we really need to go and get one of the the proper ones, you know, for power of attorney and stuff like that.","start":495.635,"end":506.16,"sentiment":"neutral","sentiment_score":-0.0058186733319113655}],"sentiment":"neutral","sentiment_score":-0.015948541936549272,"num_words":55,"start":482.03003,"end":506.16},{"sentences":[{"text":"Yeah.","start":509.42,"end":509.66,"sentiment":"neutral","sentiment_score":0.055448420345783234},{"text":"Yeah.","start":509.66,"end":509.90002,"sentiment":"neutral","sentiment_score":0.06917832791805267},{"text":"I can do.","start":509.90002,"end":510.80002,"sentiment":"neutral","sentiment_score":0.07829963664213817},{"text":"Yeah.","start":511.18002,"end":511.68002,"sentiment":"neutral","sentiment_score":0.11833083629608154},{"text":"Yep.","start":513.645,"end":514.145,"sentiment":"neutral","sentiment_score":0.1990742385387421}],"sentiment":"neutral","sentiment_score":0.09670439043215343,"num_words":7,"start":509.42,"end":514.145},{"sentences":[{"text":"Yep.","start":518.045,"end":518.545,"sentiment":"neutral","sentiment_score":0.1695595681667328},{"text":"Yes.","start":527.45996,"end":527.95996,"sentiment":"neutral","sentiment_score":0.0843447595834732},{"text":"Oh, no.","start":530.1,"end":530.5,"sentiment":"neutral","sentiment_score":0.004874001257121563},{"text":"You guys sent Yeah.","start":530.5,"end":532.33997,"sentiment":"neutral","sentiment_score":0.04407477332279086},{"text":"I I rang up the other week, and Jack got something sent out to me.","start":532.33997,"end":536.81995,"sentiment":"neutral","sentiment_score":0.11028950313727061}],"sentiment":"neutral","sentiment_score":0.09105625959194225,"num_words":23,"start":518.045,"end":536.81995},{"sentences":[{"text":"He sent it out.","start":536.81995,"end":537.86,"sentiment":"neutral","sentiment_score":0.1441962979733944},{"text":"It was all signed.","start":537.86,"end":538.92,"sentiment":"neutral","sentiment_score":0.19064730405807495},{"text":"So pretty much, I just I just haven't had time to print it off and scan it.","start":539.06,"end":542.475,"sentiment":"neutral","sentiment_score":0.07992379871361396},{"text":"And, yeah, sign it, sign it, scan it.","start":543.595,"end":545.595,"sentiment":"neutral","sentiment_score":0.1087546837516129},{"text":"But yeah.","start":545.595,"end":546.795,"sentiment":"neutral","sentiment_score":0.006455465219914913}],"sentiment":"neutral","sentiment_score":0.10231506819171565,"num_words":35,"start":536.81995,"end":546.795},{"sentences":[{"text":"But I have it all in in in the inbox so I know where it is and stuff like that.","start":546.795,"end":550.89496,"sentiment":"neutral","sentiment_score":0.10316588431596756},{"text":"Yeah.","start":562.64,"end":562.96,"sentiment":"neutral","sentiment_score":0.027522291988134384},{"text":"We've kinda decided, like, that's why I wanna sell that car because, you know, obviously, it'll look better for the bank, but potentially get a an investment property.","start":562.96,"end":571.225,"sentiment":"neutral","sentiment_score":-0.002706640965438315},{"text":"You know, use some of the equity, maybe you redraw under grand at that and get get something, you know, for around the $3.03 50 mark.","start":572.64496,"end":580.86,"sentiment":"neutral","sentiment_score":0.045331851937449895},{"text":"So in in rural, yeah, kinda South Australia.","start":582.77997,"end":586.32,"sentiment":"neutral","sentiment_score":0.11927356570959091}],"sentiment":"neutral","sentiment_score":0.04997434587139322,"num_words":83,"start":546.795,"end":586.32},{"sentences":[{"text":"We have Roker.","start":594.825,"end":595.54504,"sentiment":"neutral","sentiment_score":0.010079070925712585},{"text":"We have our Roker.","start":595.54504,"end":596.68506,"sentiment":"neutral","sentiment_score":0.04261084645986557},{"text":"Yeah.","start":598.66504,"end":599.16504,"sentiment":"neutral","sentiment_score":0.05071333423256874},{"text":"Yes.","start":600.66504,"end":601.16504,"sentiment":"neutral","sentiment_score":0.04330877214670181},{"text":"Well, obviously, when I signed with you, then the whole thing in Iran and bloody, you know, and all that kinda happened.","start":617.76,"end":624.565,"sentiment":"neutral","sentiment_score":-0.05296251152388074}],"sentiment":"neutral","sentiment_score":-0.028079759629984057,"num_words":31,"start":594.825,"end":624.565},{"sentences":[{"text":"So that kinda when I asked, they gave me a, like, a rough estimate of what it was.","start":624.565,"end":630.08496,"sentiment":"neutral","sentiment_score":-0.057650782788793244},{"text":"And I was like, oh, shit.","start":630.08496,"end":631.125,"sentiment":"neutral","sentiment_score":-0.11113966504732768},{"text":"Didn't didn't earn too much profit in the in that time frame.","start":631.125,"end":636.03,"sentiment":"neutral","sentiment_score":-0.1414200117190679},{"text":"You know what I mean?","start":636.03,"end":636.67,"sentiment":"neutral","sentiment_score":-0.0662235826253891},{"text":"And then I was high risk, high reward.","start":636.67,"end":638.45,"sentiment":"neutral","sentiment_score":-0.09076126664876938}],"sentiment":"neutral","sentiment_score":-0.09099592382506448,"num_words":49,"start":624.565,"end":638.45},{"sentences":[{"text":"So, yeah, I don't know.","start":638.99,"end":641.15,"sentiment":"neutral","sentiment_score":-0.08481383770704269},{"text":"Like like, what go.","start":641.15,"end":644.77,"sentiment":"neutral","sentiment_score":-0.003458000486716628},{"text":"Yeah.","start":652.92505,"end":653.42505,"sentiment":"neutral","sentiment_score":0.024392982944846153},{"text":"Yep.","start":663.97,"end":664.47,"sentiment":"neutral","sentiment_score":0.07725437730550766},{"text":"Yep.","start":669.17,"end":669.67,"sentiment":"neutral","sentiment_score":0.07132741808891296}],"sentiment":"neutral","sentiment_score":-0.0220772010119011,"num_words":12,"start":638.99,"end":669.67},{"sentences":[{"text":"Yep.","start":678.17505,"end":678.67505,"sentiment":"neutral","sentiment_score":0.054932601749897},{"text":"Okay.","start":700.905,"end":701.405,"sentiment":"positive","sentiment_score":0.3792537748813629},{"text":"Yep.","start":724.35,"end":724.85,"sentiment":"neutral","sentiment_score":0.11080183833837508},{"text":"Yep.","start":725.95,"end":726.45,"sentiment":"neutral","sentiment_score":0.07244661450386047},{"text":"Yep.","start":732.885,"end":733.385,"sentiment":"neutral","sentiment_score":0.08227462321519852}],"sentiment":"neutral","sentiment_score":0.1399418905377388,"num_words":5,"start":678.17505,"end":733.385},{"sentences":[{"text":"I wouldn't say plenty of time.","start":744.5,"end":746.18,"sentiment":"neutral","sentiment_score":-0.08080386370420456},{"text":"It's taken down.","start":746.18,"end":747.24,"sentiment":"neutral","sentiment_score":-0.18219788869222006},{"text":"Okay.","start":750.18,"end":750.68,"sentiment":"neutral","sentiment_score":-0.04225923866033554},{"text":"Like, what's the projected kinda, like, you know, if if we keep going over the projection for what I can retire on at my age?","start":750.9,"end":758.875,"sentiment":"neutral","sentiment_score":-0.04513448789715767},{"text":"Like because, obviously, I don't wanna retire with nothing, and I don't wanna have to keep really working till, you know, 70 and 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there.","start":799.86,"end":801.62,"sentiment":"neutral","sentiment_score":-0.23446799483564165},{"text":"I can I have a have a yeah?","start":801.62,"end":805.32495,"sentiment":"neutral","sentiment_score":-0.1578487828373909},{"text":"Yeah.","start":805.32495,"end":805.56494,"sentiment":"neutral","sentiment_score":-0.0321660041809082},{"text":"No.","start":805.56494,"end":805.805,"sentiment":"neutral","sentiment_score":-0.07725430279970169},{"text":"Have a look to me here and take me here.","start":805.805,"end":808.605,"sentiment":"neutral","sentiment_score":-0.018040107563138008}],"sentiment":"neutral","sentiment_score":-0.12630426202868594,"num_words":29,"start":799.86,"end":808.605},{"sentences":[{"text":"Just press the button.","start":808.605,"end":809.665,"sentiment":"neutral","sentiment_score":0.13641392439603806},{"text":"Yep.","start":814.605,"end":815.105,"sentiment":"neutral","sentiment_score":0.056774139404296875},{"text":"Yeah.","start":818.57,"end":818.81,"sentiment":"neutral","sentiment_score":0.035400792956352234},{"text":"Yeah.","start":818.81,"end":819.13,"sentiment":"neutral","sentiment_score":0.020135166123509407},{"text":"There's no no rush on it.","start":819.13,"end":820.91,"sentiment":"neutral","sentiment_score":-0.11376945674419403}],"sentiment":"neutral","sentiment_score":-0.0018962264920656508,"num_words":13,"start":808.605,"end":820.91},{"sentences":[{"text":"Yep.","start":829.37,"end":829.87,"sentiment":"neutral","sentiment_score":0.015396073460578918},{"text":"Yep.","start":829.93,"end":830.43,"sentiment":"neutral","sentiment_score":0.00309026800096035},{"text":"Oh, okay.","start":834.97504,"end":835.635,"sentiment":"neutral","sentiment_score":-0.01715395785868168},{"text":"See, that's what I'm saying.","start":836.015,"end":836.815,"sentiment":"neutral","sentiment_score":-0.08722001165151597},{"text":"That's what I need to get rid of that bloody car.","start":836.815,"end":838.995,"sentiment":"neutral","sentiment_score":-0.2383171170949936}],"sentiment":"neutral","sentiment_score":-0.15367049602791666,"num_words":20,"start":829.37,"end":838.995},{"sentences":[{"text":"It's a 115 a 4?","start":847.29,"end":848.73,"sentiment":"neutral","sentiment_score":-0.007286847266368568},{"text":"No.","start":848.73,"end":848.85,"sentiment":"neutral","sentiment_score":-0.15822401642799375},{"text":"I thought it was 115 a week.","start":848.85,"end":850.75,"sentiment":"neutral","sentiment_score":-0.13495769138847077},{"text":"No.","start":851.29,"end":851.79,"sentiment":"neutral","sentiment_score":-0.14715835452079773},{"text":"That's the MetLife, isn't it, 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more.","start":906.03375,"end":920.785,"sentiment":"neutral","sentiment_score":-0.06673302594572306},{"text":"Yep.","start":934.01996,"end":934.51996,"sentiment":"neutral","sentiment_score":0.06569181382656097}],"sentiment":"neutral","sentiment_score":-0.048812688666988506,"num_words":22,"start":903.15094,"end":934.51996},{"sentences":[{"text":"Yep.","start":941.54,"end":941.94,"sentiment":"neutral","sentiment_score":0.1268371194601059},{"text":"Yeah.","start":941.94,"end":942.18,"sentiment":"neutral","sentiment_score":0.2485603094100952},{"text":"That'd be great.","start":942.18,"end":942.81995,"sentiment":"positive","sentiment_score":0.6126520236333212},{"text":"Thank you.","start":942.81995,"end":943.56,"sentiment":"positive","sentiment_score":0.6601481437683105},{"text":"Bit more of a visual 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company, can't I?","start":1030.6649,"end":1033.945,"sentiment":"neutral","sentiment_score":0.07001735394199689},{"text":"Like, it doesn't really matter.","start":1033.945,"end":1035.225,"sentiment":"neutral","sentiment_score":0.0278175488114357},{"text":"Like, if I'm paying yeah.","start":1035.225,"end":1044.6849,"sentiment":"neutral","sentiment_score":0.03557621464133263}],"sentiment":"neutral","sentiment_score":0.08218446723891026,"num_words":33,"start":1026.08,"end":1044.6849},{"sentences":[{"text":"Yeah.","start":1062.125,"end":1062.625,"sentiment":"neutral","sentiment_score":-0.04373541474342346},{"text":"Yeah.","start":1066.525,"end":1067.025,"sentiment":"neutral","sentiment_score":-0.06137852370738983},{"text":"Like, even combined.","start":1071.405,"end":1072.465,"sentiment":"neutral","sentiment_score":-0.04755435759822527},{"text":"So they could only bloody do, like, 15% 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alright.","start":1078.9501,"end":1082.25,"sentiment":"neutral","sentiment_score":0.041580358520150185}],"sentiment":"neutral","sentiment_score":0.04966698959469795,"num_words":6,"start":1077.27,"end":1082.25},{"sentences":[{"text":"So I'll I'll start just having the best of just having the one policy 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covers the most, and I'll just go with that.","start":1106.8,"end":1115.7001,"sentiment":"neutral","sentiment_score":0.05209878506138921},{"text":"I'll get back to you I'll get back to you with the with that one.","start":1115.975,"end":1119.1951,"sentiment":"neutral","sentiment_score":0.05608984244366487},{"text":"Yeah.","start":1125.255,"end":1125.415,"sentiment":"neutral","sentiment_score":0.002475973218679428}],"sentiment":"neutral","sentiment_score":0.051366995312273504,"num_words":50,"start":1105.84,"end":1125.415},{"sentences":[{"text":"I have public liability.","start":1125.415,"end":1126.715,"sentiment":"neutral","sentiment_score":-0.007925778161734343},{"text":"And I think I'm pretty sure I've got income protection as well, but I'll double check.","start":1126.775,"end":1131.435,"sentiment":"neutral","sentiment_score":0.06790410762187093},{"text":"Right.","start":1134.64,"end":1134.7999,"sentiment":"neutral","sentiment_score":0.11549393087625504},{"text":"Because there there's more monthly premiums that, you know, I could be putting into into a super account if it's gonna cost me whatever.","start":1134.7999,"end":1141.52,"sentiment":"neutral","sentiment_score":0.061513414761672415},{"text":"You know?","start":1141.52,"end":1142.1799,"sentiment":"neutral","sentiment_score":0.03056181501597166}],"sentiment":"neutral","sentiment_score":0.057610683499815615,"num_words":47,"start":1125.415,"end":1142.1799},{"sentences":[{"text":"Yep.","start":1147.6549,"end":1148.1549,"sentiment":"neutral","sentiment_score":0.14489662647247314},{"text":"Yes.","start":1152.375,"end":1152.875,"sentiment":"neutral","sentiment_score":0.1511390507221222},{"text":"Yep.","start":1157.4149,"end":1157.9149,"sentiment":"neutral","sentiment_score":0.11460673809051514},{"text":"Okay.","start":1161.32,"end":1161.82,"sentiment":"neutral","sentiment_score":0.22308892011642456},{"text":"Yep.","start":1163.48,"end":1163.88,"sentiment":"neutral","sentiment_score":0.1614881157875061}],"sentiment":"neutral","sentiment_score":0.15904389023780824,"num_words":5,"start":1147.6549,"end":1163.88},{"sentences":[{"text":"Yep.","start":1163.88,"end":1164.38,"sentiment":"neutral","sentiment_score":0.151078462600708},{"text":"Mhmm.","start":1178.465,"end":1178.5449,"sentiment":"neutral","sentiment_score":0.11102990806102753},{"text":"Yep.","start":1178.5449,"end":1179.0449,"sentiment":"neutral","sentiment_score":0.1786365956068039},{"text":"Yep.","start":1201.275,"end":1201.775,"sentiment":"neutral","sentiment_score":0.26022857427597046},{"text":"Yep.","start":1222.51,"end":1223.01,"sentiment":"neutral","sentiment_score":0.16928550601005554}],"sentiment":"neutral","sentiment_score":0.17405180931091307,"num_words":5,"start":1163.88,"end":1223.01},{"sentences":[{"text":"Yep.","start":1223.2301,"end":1223.7301,"sentiment":"neutral","sentiment_score":0.15087345242500305},{"text":"Yep.","start":1234.055,"end":1234.555,"sentiment":"neutral","sentiment_score":0.08039052784442902},{"text":"No.","start":1241.01,"end":1241.25,"sentiment":"neutral","sentiment_score":-0.1340438425540924},{"text":"No.","start":1241.25,"end":1241.57,"sentiment":"neutral","sentiment_score":-0.12601503729820251},{"text":"That's pretty good.","start":1241.57,"end":1242.45,"sentiment":"neutral","sentiment_score":0.03132437417904536}],"sentiment":"neutral","sentiment_score":0.009311174707753318,"num_words":7,"start":1223.2301,"end":1242.45},{"sentences":[{"text":"As I said, I'll just get back to you with my insurance things.","start":1242.45,"end":1245.01,"sentiment":"neutral","sentiment_score":0.16461231731451476},{"text":"And is this a direct number for you, or is this just the office?","start":1245.01,"end":1249.11,"sentiment":"neutral","sentiment_score":0.035420482978224754},{"text":"Yep.","start":1251.57,"end":1252.07,"sentiment":"neutral","sentiment_score":0.07354271411895752},{"text":"Okay.","start":1263.445,"end":1263.845,"sentiment":"neutral","sentiment_score":0.2776872217655182},{"text":"Well, congratulations.","start":1263.845,"end":1264.585,"sentiment":"positive","sentiment_score":0.5074170827865601}],"sentiment":"neutral","sentiment_score":0.12909390284649788,"num_words":31,"start":1242.45,"end":1264.585},{"sentences":[{"text":"Yep.","start":1271.5399,"end":1272.0399,"sentiment":"neutral","sentiment_score":-0.107302725315094},{"text":"Yep.","start":1274.26,"end":1274.76,"sentiment":"neutral","sentiment_score":-0.03311963379383087},{"text":"Yep.","start":1292.165,"end":1292.665,"sentiment":"neutral","sentiment_score":0.0013626491418108344},{"text":"Yep.","start":1293.445,"end":1293.945,"sentiment":"neutral","sentiment_score":0.0003732461482286453},{"text":"Yes.","start":1296.7899,"end":1297.2899,"sentiment":"neutral","sentiment_score":0.02233637124300003}],"sentiment":"neutral","sentiment_score":-0.02327001851517707,"num_words":5,"start":1271.5399,"end":1297.2899},{"sentences":[{"text":"Yes.","start":1297.6699,"end":1298.1699,"sentiment":"neutral","sentiment_score":0.035672884434461594},{"text":"Yes.","start":1301.99,"end":1302.49,"sentiment":"neutral","sentiment_score":0.019324306398630146},{"text":"Yes.","start":1306.63,"end":1307.13,"sentiment":"neutral","sentiment_score":0.03114861622452736},{"text":"Yep.","start":1313.955,"end":1314.455,"sentiment":"neutral","sentiment_score":0.043380558490753174},{"text":"Yeah.","start":1327.55,"end":1327.87,"sentiment":"neutral","sentiment_score":0.017873989418148994}],"sentiment":"neutral","sentiment_score":0.029480070993304252,"num_words":5,"start":1297.6699,"end":1327.87},{"sentences":[{"text":"No worries.","start":1327.87,"end":1328.35,"sentiment":"neutral","sentiment_score":0.012294624000787735},{"text":"I'll try and get all that done before September 10.","start":1328.35,"end":1330.8499,"sentiment":"neutral","sentiment_score":-0.013674041908234357},{"text":"And, obviously, if I don't speak to you, so it's best to look with the baby.","start":1330.99,"end":1334.4299,"sentiment":"neutral","sentiment_score":-0.06675753893796355},{"text":"I know what it's like.","start":1334.4299,"end":1335.23,"sentiment":"neutral","sentiment_score":-0.021063280291855335},{"text":"First one?","start":1335.23,"end":1336.05,"sentiment":"neutral","sentiment_score":0.05562618374824524}],"sentiment":"neutral","sentiment_score":-0.03355245223002774,"num_words":35,"start":1327.87,"end":1336.05},{"sentences":[{"text":"Well yeah.","start":1337.435,"end":1338.475,"sentiment":"neutral","sentiment_score":0.3322978615760803},{"text":"Well, enjoy the whole whole experience.","start":1338.475,"end":1340.415,"sentiment":"positive","sentiment_score":0.5659168511629105},{"text":"K?","start":1340.555,"end":1341.055,"sentiment":"neutral","sentiment_score":0.05737589672207832},{"text":"Take take it all in and, yeah, embrace it.","start":1342.315,"end":1344.875,"sentiment":"positive","sentiment_score":0.5741989976829953},{"text":"Alright, love.","start":1344.875,"end":1345.695,"sentiment":"positive","sentiment_score":0.5617876946926117}],"sentiment":"positive","sentiment_score":0.5204419547691941,"num_words":20,"start":1337.435,"end":1345.695},{"sentences":[{"text":"Will do.","start":1349.2429,"end":1349.903,"sentiment":"positive","sentiment_score":0.3706396818161011},{"text":"Thanks, Veronica.","start":1350.043,"end":1350.8629,"sentiment":"positive","sentiment_score":0.47500963509082794},{"text":"Cheers, love.","start":1350.9229,"end":1351.663,"sentiment":"positive","sentiment_score":0.6089253425598145},{"text":"See you then.","start":1352.283,"end":1353.0829,"sentiment":"positive","sentiment_score":0.4259180426597595},{"text":"Bye.","start":1353.0829,"end":1353.5829,"sentiment":"neutral","sentiment_score":0.18310680985450745}],"sentiment":"positive","sentiment_score":0.4370010256767273,"num_words":10,"start":1349.2429,"end":1353.5829}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon. Is this Andrew?\n\nChannel 1: Hello?\n\nChannel 0: Good afternoon. Is this Andrew?\n\nChannel 1: It is. Yep. Speaking.\n\nChannel 0: This is Veronica from ICU Financial. How are you?\n\nChannel 1: Good. Veronica Hastings.\n\nChannel 0: Yeah. Good.\n\nChannel 1: That's\n\nChannel 0: I had you booked in to go over your under review. Is now still a good time for you?\n\nChannel 1: good. Yeah. Yeah. Kind of. It'll take, what, fifteen minutes?\n\nChannel 0: Probably yeah. I can try to make it quick for you. How much time do you have?\n\nChannel 1: Probably fifteen minutes.\n\nChannel 0: Okay. I can try to make it quick for you. And if we do run out of time, I can always get you rescheduled, but\n\nChannel 1: Yes.\n\nChannel 0: I'll I'll try to make\n\nChannel 1: And,\n\nChannel 0: it\n\nChannel 1: obviously,\n\nChannel 0: quick.\n\nChannel 1: I I made the appointment last week. Just something popped up today.\n\nChannel 0: Yes.\n\nChannel 1: I should be off on Friday, but if you wanna just do it quickly or do Friday or we can do it today for half an\n\nChannel 0: Let's try\n\nChannel 1: hour.\n\nChannel 0: to do it now, and we'll see how we\n\nChannel 1: Okay.\n\nChannel 0: go, and I'll try to make it quick for you. But if you gotta go, just interrupt me. Okay?\n\nChannel 1: Yep. Yep. Will do.\n\nChannel 0: Yeah.\n\nChannel 1: Thank you.\n\nChannel 0: Okay. Perfect. Now before I do go any further, I just need to let you know that our calls are\n\nChannel 1: Yep.\n\nChannel 0: being recorded for security purposes, if that's okay. Yep. Perfect. And I do have passwords on file for you as well. Do you know where that might be?\n\nChannel 1: Do you have what on file? Oh, password.\n\nChannel 0: Passwords?\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: OdenvalleTorren.\n\nChannel 0: Yep. Beautiful. And may I ask if you have any ties to Scandinavia at all?\n\nChannel 1: I have no choice. No. But we we just like the the North kinda names.\n\nChannel 0: Yeah. I love it. I don't know if I told you last time, but I'm Swedish. So it's very\n\nChannel 1: Oh,\n\nChannel 0: much\n\nChannel 1: are you?\n\nChannel 0: home home. Yeah. So it's very much home to me. And I was like, oh, that is so good. And I wondered if you had any connection because of the names.\n\nChannel 1: Yeah. Yeah. No. Like, I'm Irish, obviously, but I don't know. We just loved watching we started watching that Viking series.\n\nAnd\n\nChannel 0: Yes. I love it.\n\nChannel 1: yeah. And then when we went back home to Ireland after we got married, we've seen they were filming it there. So my wife's\n\nChannel 0: Yeah.\n\nChannel 1: got photos with Bjorn and stuff like that and all his gear.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah. She she was, like, prodding, and I was like, oh, I need a photo with luggage and now couldn't get one, though. But yeah. So we just said we'd give them all well, kinda dull, kinda nice names.\n\nChannel 0: Yeah. Yeah. No. They're beautiful. I I love it.\n\nChannel 1: Thank you.\n\nChannel 0: Now what I will do quickly, Andrew, is just run through a bit of a fact find just to see if there's anything major that has changed in your life if\n\nChannel 1: Yep.\n\nChannel 0: we need to make any tweaks and changes to your advice. So I'll try to make this one quick for you.\n\nChannel 1: Yep.\n\nChannel 0: Personal information, still married with three financial dependents. Yep. Beautiful. Now I don't actually\n\nChannel 1: Yep.\n\nChannel 0: have Fiona's number on file. Do you know what that might be?\n\nChannel 1: Yep. Pretty similar\n\nChannel 0: Yep.\n\nChannel 1: to mine. So 0459\n\nChannel 0: Yep.\n\nChannel 1: 466447.\n\nChannel 0: 447. Beautiful. Occupation wise, has any of that changed for you?\n\nChannel 1: No. No. Unfortunately,\n\nChannel 0: No.\n\nChannel 1: I'm still a painter.\n\nChannel 0: No worries. I'm still obviously self employed.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Now income pay yourself about 90,000 roughly.\n\nChannel 1: Yeah. Yeah. Something like that.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Okay. Perfect. And I can see here that you are contributing into super at around 115 per fortnight. Does that sound about right?\n\nChannel 1: $1.50 and 4. No. Yeah. They're both.\n\nChannel 0: What yeah. $1.01 15.\n\nChannel 1: Oh, $1.50 and yeah. Okay.\n\nChannel 0: Yep. Yep. Is that because that's what's coming into your account at the moment. Is that kind of what you have set up, or do you just have it, like, automatically?\n\nChannel 1: I just have that automatically. But,\n\nChannel 0: Yep.\n\nChannel 1: yeah, I'm hoping to start potentially adding a little bit more to\n\nChannel 0: Yep.\n\nChannel 1: get.\n\nChannel 0: To boost it a little bit. Yeah.\n\nChannel 1: Yeah. Well, I wanna\n\nChannel 0: And\n\nChannel 1: I\n\nChannel 0: that\n\nChannel 1: don't wanna be doing this for so many years. So if I can retire, you know, I'm gonna have to put in a little bit more to boost it up.\n\nChannel 0: yeah. Yep. Perfect. And with the the cap space because, obviously, we are doing we did that notice of intent for you. So it has actually gone up this financial year, which is good.\n\nYou still have plenty of space, but it's gone up from it used to be 30,000, and it's now 32,500. So if you\n\nChannel 1: Yes.\n\nChannel 0: do decide to increase it a little bit, you still have plenty of space. If you win the lottery or come across something and you wanna put heat in, just let me know because I just\n\nChannel 1: Yep.\n\nChannel 0: wanna make sure you stay on the kneecap spaces if you do change it too much. Okay? Yeah. Okay. Beautiful.\n\nAsset wise, property still died at around 800,000?\n\nChannel 1: Yep. No. No. No. So we've moved house.\n\nWe sold that last house.\n\nChannel 0: Yep.\n\nChannel 1: So property was the house is probably valued at around $9.70 to $9.80.\n\nChannel 0: $9.72 $1.80. Perfect. And mortgage?\n\nChannel 1: Mortgage, $6.70.\n\nChannel 0: About $6.70. Now I do wanna just triple check the address here as well.\n\nChannel 1: Yep.\n\nChannel 0: Is that the 21 Rosewater Circuit, or\n\nChannel 1: No.\n\nChannel 0: is\n\nChannel 1: That's\n\nChannel 0: that\n\nChannel 1: the\n\nChannel 0: was that\n\nChannel 1: old\n\nChannel 0: your old?\n\nChannel 1: that's the\n\nChannel 0: Okay.\n\nChannel 1: old price.\n\nChannel 0: Perfect. And then 9 Florence Street is your new place.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Okay. Beautiful. Just to make sure I got that. Camper trailer, about 23,500\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: still?\n\nChannel 1: What?\n\nChannel 0: Yep.\n\nChannel 1: The value of it? Yeah. Probably around 27, actually.\n\nChannel 0: Yes.\n\nChannel 1: Quite\n\nChannel 0: About\n\nChannel 1: looking\n\nChannel 0: 20\n\nChannel 1: at it,\n\nChannel 0: 7.\n\nChannel 1: like yeah. Yeah. About\n\nChannel 0: Yep. And you didn't have anything owing on that one, do you?\n\nChannel 1: no.\n\nChannel 0: No. Beautiful. You also have the motor vehicle right at about 71,500.\n\nChannel 1: That would be that's paid off. The\n\nChannel 0: Oh, perfect.\n\nChannel 1: the is is is paid off,\n\nChannel 0: Yep. Great.\n\nChannel 1: and that's paid off. It's probably value is, I don't know, maybe 60 now, like, depreciation.\n\nChannel 0: Yeah.\n\nChannel 1: 65\n\nChannel 0: That\n\nChannel 1: or something\n\nChannel 0: happened.\n\nChannel 1: like that. You know?\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: And I was at a I ended up buying another car.\n\nChannel 0: Oh, yeah.\n\nChannel 1: Right? Yeah. Range Rover.\n\nChannel 0: And how much is that one? Right. Right. Nice\n\nChannel 1: Stupid. Stupid.\n\nChannel 0: car, though.\n\nChannel 1: Very nice car, but for the\n\nChannel 0: Yeah.\n\nChannel 1: it's just my wife says that's a midlife crisis. I was like, no. I just thought I I just thought I deserved a nice car. You know what I mean? Like, instead\n\nChannel 0: I mean,\n\nChannel 1: of\n\nChannel 0: it\n\nChannel 1: driving\n\nChannel 0: is a beautiful golf,\n\nChannel 1: the\n\nChannel 0: but\n\nChannel 1: it it is. Oh, it's not brand new, but, like, it's 20\n\nChannel 0: yeah.\n\nChannel 1: 15 or something like that, but it's it's\n\nChannel 0: Yeah.\n\nChannel 1: still mod modern to even to\n\nChannel 0: Yeah.\n\nChannel 1: look at these days. But yeah. So finance on that was I just ran today. The payout is $51.50\n\nChannel 0: Yeah.\n\nChannel 1: 1\n\nChannel 0: Yep.\n\nChannel 1: 5 so 51,005\n\nChannel 0: Fifty one.\n\nChannel 1: 100.\n\nChannel 0: 50\n\nChannel 1: Yeah. I'm making\n\nChannel 0: one 5.\n\nChannel 1: 9\n\nChannel 0: Yep.\n\nChannel 1: $9.15 payments a month.\n\nChannel 0: Yep.\n\nChannel 1: And I just\n\nChannel 0: Okay.\n\nChannel 1: think, man, if I'm gonna try and sell that because I only drive on weekends. And if I can get rid of that, I I'll probably\n\nChannel 0: Yeah.\n\nChannel 1: owe I'll probably owe a little bit of money anyway. I don't think I'll sell if I wanna pay for it. But, yeah, then at least that way, I can start making some more contributions into the silver. Just\n\nChannel 0: Yeah.\n\nChannel 1: make more\n\nChannel 0: Saves\n\nChannel 1: sense.\n\nChannel 0: a little bit.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. And how much would you say is Vida if you were how much did you buy it for, or how much is it worth?\n\nChannel 1: 40\n\nChannel 0: What do you reckon?\n\nChannel 1: I think all the finance and everything like that was 44 and\n\nChannel 0: 44.\n\nChannel 1: a bit. And,\n\nChannel 0: Yep.\n\nChannel 1: yeah, it was 40. Then I got added warranty and all that, and then, obviously, financial fees, all that kind of\n\nChannel 0: Yes.\n\nChannel 1: stuff added in. So it was around 40 something, 44.\n\nChannel 0: Yep.\n\nChannel 1: And as\n\nChannel 0: Okay.\n\nChannel 1: I say, pay payout is 40 $51.05. And if\n\nChannel 0: Yep.\n\nChannel 1: I go if I go the whole length of the term over seven years, it's, like,\n\nChannel 0: Yep.\n\nChannel 1: $70.70 grand. So I'm, like, fucking\n\nChannel 0: Okay.\n\nChannel 1: stupid. I'm not getting rid of it.\n\nChannel 0: Yeah. No. That totally made sense.\n\nChannel 1: Yeah.\n\nChannel 0: And, Andrew, health and lifestyle, any changes there? Any injuries or issues\n\nChannel 1: No.\n\nChannel 0: or\n\nChannel 1: No.\n\nChannel 0: anything? Everything's going good?\n\nChannel 1: Yeah. Everything's good. Yep.\n\nChannel 0: Yep. Perfect. Now do you guys have a will or power of attorney in place\n\nChannel 1: I\n\nChannel 0: at\n\nChannel 1: don't think we do.\n\nChannel 0: all?\n\nChannel 1: I think we set up\n\nChannel 0: No?\n\nChannel 1: one just a a rough one when we got married, but it's like one of\n\nChannel 0: Mhmm.\n\nChannel 1: those newsagent ones. So we really need to go and get one of the the proper ones, you know, for power\n\nChannel 0: Oh,\n\nChannel 1: of attorney\n\nChannel 0: yeah.\n\nChannel 1: and stuff like\n\nChannel 0: Yeah. Now would you like us to send you an email with the firm that we work\n\nChannel 1: that.\n\nChannel 0: closely with and their pricing and stuff just for reference?\n\nChannel 1: Yeah. Yeah. I can do.\n\nChannel 0: Yeah? Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: That way it's in your inbox\n\nChannel 1: Yep.\n\nChannel 0: through and a bit of a price comparison, and they're pretty good as well. So I'll get\n\nChannel 1: Yep.\n\nChannel 0: the team to email you that. Now when it comes through your beneficiary, so in the event that something were to happen to you,\n\nChannel 1: Yes.\n\nChannel 0: it doesn't look like we have a\n\nChannel 1: Oh, no. You\n\nChannel 0: nomination.\n\nChannel 1: guys sent Yeah. I\n\nChannel 0: Yes.\n\nChannel 1: I rang up the other week, and Jack got something sent out to me. He\n\nChannel 0: Yes.\n\nChannel 1: sent it out. It was all signed. So pretty\n\nChannel 0: Okay.\n\nChannel 1: much, I just I just haven't had time to print it off and scan it.\n\nChannel 0: No worries.\n\nChannel 1: And,\n\nChannel 0: All\n\nChannel 1: yeah,\n\nChannel 0: good.\n\nChannel 1: sign it,\n\nChannel 0: At\n\nChannel 1: sign\n\nChannel 0: least\n\nChannel 1: it,\n\nChannel 0: you're\n\nChannel 1: scan\n\nChannel 0: all\n\nChannel 1: it.\n\nChannel 0: over\n\nChannel 1: But\n\nChannel 0: that.\n\nChannel 1: yeah. But I have it\n\nChannel 0: Yep.\n\nChannel 1: all in in in the inbox so I know where it is\n\nChannel 0: Okay.\n\nChannel 1: and stuff like that.\n\nChannel 0: Okay. Beautiful. That is good. Otherwise, when I guess when it comes to goals, stuff that you are working towards, is there anything in the next couple of year that you are focusing on?\n\nChannel 1: Yeah. We've kinda decided, like, that's why I wanna sell that car because, you know, obviously, it'll look better for the bank, but potentially get a an investment property.\n\nChannel 0: Yep.\n\nChannel 1: You know, use some of the equity, maybe you redraw under grand at that and\n\nChannel 0: Mhmm.\n\nChannel 1: get get something, you know, for around\n\nChannel 0: Yep.\n\nChannel 1: the $3.03 50 mark.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: So in in rural, yeah, kinda South Australia.\n\nChannel 0: Yep. And if you don't have a mortgage broker or do you just wanna speak to someone about you got\n\nChannel 1: We\n\nChannel 0: someone?\n\nChannel 1: have Roker. We have our\n\nChannel 0: Oh,\n\nChannel 1: Roker.\n\nChannel 0: perfect. That's good. That's good. And they can obviously\n\nChannel 1: Yeah.\n\nChannel 0: do a bit of an assessment on that.\n\nChannel 1: Yes.\n\nChannel 0: Now, Andrew, to make it quicker for you, I won't go through the whole risk profile questionnaire again. Just wanna check if your risk tolerance and how you feel about market fluctuation, has any of that changed, or are you still kind of feeling the same as when\n\nChannel 1: Well,\n\nChannel 0: we\n\nChannel 1: obviously,\n\nChannel 0: spoke last\n\nChannel 1: when I\n\nChannel 0: year?\n\nChannel 1: signed with you, then the\n\nChannel 0: Mhmm.\n\nChannel 1: whole thing in Iran and bloody, you\n\nChannel 0: Yes.\n\nChannel 1: know, and all that kinda happened. So that kinda when I asked, they gave me a, like, a rough estimate of what it was. And I was like,\n\nChannel 0: Mhmm.\n\nChannel 1: oh, shit. Didn't didn't earn too much profit in the in that time frame. You know what I mean? And then I was high risk, high reward. So, yeah, I don't know.\n\nLike\n\nChannel 0: Mhmm. Okay.\n\nChannel 1: like, what\n\nChannel 0: Because it's it's\n\nChannel 1: go.\n\nChannel 0: done pretty good. So what I have done is, obviously, not now if you're busy, but I have sent you an email with\n\nChannel 1: Yeah.\n\nChannel 0: some documents to go through. So I'll quickly run through them with you now. And then later, obviously, when you have a bit more time, just jump in the email for me and and have a look at the documents.\n\nChannel 1: Yep.\n\nChannel 0: Now one of the document is a performance report.\n\nChannel 1: Yep.\n\nChannel 0: Now that one here shows you the last twelve months. So during the under review, we kind of like to look at it on, like, a twelve month period just to\n\nChannel 1: Yep.\n\nChannel 0: see, obviously, what's happened. Since we spoke last time under review wise, it does break down all your individual investments, how they have performed, and this is all net of fees. So everything after fees as well. Now in the last twelve months, your portfolio has gone up so by 11.12%,\n\nChannel 1: Okay.\n\nChannel 0: which which is actually really good given what you touched on. Given the last twelve months we've had, there's been a lot of fluctuations in the market, obviously, with everything in The US and with the war and stuff like that. So it's been quite a quite a turbulent market in that way, and especially because you are in a aggressive portfolio. So you have majority of your funds in those high growth\n\nChannel 1: Yep.\n\nChannel 0: options.\n\nChannel 1: Yep.\n\nChannel 0: So that means that on a short term, when there are more fluctuations in the market, you can feel it and see it more on\n\nChannel 1: Yep.\n\nChannel 0: the short term. But then, obviously, the long term is that you will, obviously, try to have higher returns as a result because you still have plenty of time until you can retire to try to boost your super\n\nChannel 1: I\n\nChannel 0: as much\n\nChannel 1: wouldn't\n\nChannel 0: as possible.\n\nChannel 1: say plenty of time. It's taken down.\n\nChannel 0: Still plenty.\n\nChannel 1: Okay. Like, what's the projected kinda, like, you know, if if we keep going over the projection for what I can retire on at my age? Like because, obviously,\n\nChannel 0: Mhmm.\n\nChannel 1: I don't wanna retire with nothing, and I don't wanna have to keep really\n\nChannel 0: Oh,\n\nChannel 1: working\n\nChannel 0: I can yeah.\n\nChannel 1: till, you\n\nChannel 0: Yeah.\n\nChannel 1: know, 70 and stuff.\n\nChannel 0: Yeah. What I can do because there is obviously, things are always changing. Sorry. What I can do and there's obviously no guarantee on things. But what I can do is\n\nChannel 1: No.\n\nChannel 0: I\n\nChannel 1: I\n\nChannel 0: can\n\nChannel 1: know\n\nChannel 0: get\n\nChannel 1: that.\n\nChannel 0: the team to to draw up a new projection for you and email that through to you. That way, you have it as a bit of an update. If you do have any questions when you get it, just let me know.\n\nChannel 1: Yep.\n\nChannel 0: But\n\nChannel 1: Yes.\n\nChannel 0: then that way, that gives you a bit of a bit of an update on where things are currently tracking.\n\nChannel 1: Sorry, love. You I think I'll put you\n\nChannel 0: No.\n\nChannel 1: on hold there. I can\n\nChannel 0: No. That was I was like, did you\n\nChannel 1: I\n\nChannel 0: just\n\nChannel 1: have a\n\nChannel 0: stop\n\nChannel 1: have\n\nChannel 0: playing music,\n\nChannel 1: a\n\nChannel 0: or what is\n\nChannel 1: yeah?\n\nChannel 0: happening?\n\nChannel 1: Yeah. No. Have a look to me here and take me here.\n\nChannel 0: Oh,\n\nChannel 1: Just\n\nChannel 0: good.\n\nChannel 1: press the button.\n\nChannel 0: Sorry. I I will get this I will get that drawn up for you. And now\n\nChannel 1: Yep.\n\nChannel 0: it might be end of tomorrow,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: because\n\nChannel 1: There's\n\nChannel 0: there's obviously\n\nChannel 1: no no\n\nChannel 0: a bit\n\nChannel 1: rush\n\nChannel 0: of math\n\nChannel 1: on\n\nChannel 0: and\n\nChannel 1: it.\n\nChannel 0: stuff. Yeah. Perfect. Now, obviously, when we spoke last year, we were looking at doing contributions of about $4.50 a month.\n\nChannel 1: Yep.\n\nChannel 0: And,\n\nChannel 1: Yep.\n\nChannel 0: obviously, at the moment, you are doing about $2.30 a month.\n\nChannel 1: Oh, okay. See,\n\nChannel 0: So,\n\nChannel 1: that's what I'm\n\nChannel 0: obviously,\n\nChannel 1: saying. That's what\n\nChannel 0: that\n\nChannel 1: I need to get rid of that bloody car.\n\nChannel 0: yeah. But what I can do anyway so if you are doing that 115 per fortnight, which I can see in your transaction account in Hub 24, I\n\nChannel 1: It's\n\nChannel 0: can\n\nChannel 1: a\n\nChannel 0: just\n\nChannel 1: 115\n\nChannel 0: work with what\n\nChannel 1: a 4? No. I thought it was 115 a week. No.\n\nChannel 0: no. Let me triple check for you, but I did have a look just before we jumped on the phone. But let me just triple check for you.\n\nChannel 1: That's the MetLife, isn't it, that comes out? No?\n\nChannel 0: Sorry. Contributions is what you put in yourself.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. So I have here that you had a deposit of $1.01 5, so 115 on the August 5.\n\nChannel 1: Yeah.\n\nChannel 0: And then you had the other one before that was the same amount, 115, which was the July 22.\n\nChannel 1: So that would have been the two e.\n\nChannel 0: Yep. And then the one before that was the fifteenth of\n\nChannel 1: Okay.\n\nChannel 0: July.\n\nChannel 1: Okay. Yep.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: it looks like it's going\n\nChannel 1: So\n\nChannel 0: in fortnightly.\n\nChannel 1: I really don't\n\nChannel 0: So it it's\n\nChannel 1: need\n\nChannel 0: obviously a\n\nChannel 1: to\n\nChannel 0: little bit less.\n\nChannel 1: bump\n\nChannel 0: It still makes\n\nChannel 1: that\n\nChannel 0: a difference, though.\n\nChannel 1: maybe\n\nChannel 0: So\n\nChannel 1: up to weekly and make a little bit more.\n\nChannel 0: yeah. What I can do for you is I can do the two projections so you have that kind of seeing how the compound makes a difference. I do one with what you're currently doing, which is a 115 per fortnight,\n\nChannel 1: Yep.\n\nChannel 0: and then I can do a second one showing a 115 per week so that you can see those difference. Would that be helpful?\n\nChannel 1: Yep. Yeah. That'd be great. Thank you.\n\nChannel 0: Yep. Okay. Perfect. I will\n\nChannel 1: Bit\n\nChannel 0: get\n\nChannel 1: more\n\nChannel 0: that\n\nChannel 1: of a\n\nChannel 0: emailed.\n\nChannel 1: visual person. So if I can see it, then then it's a bit more of a realistic goal to kinda kick in the ass.\n\nChannel 0: Yes. Yes. And, obviously, something to be mindful of, the more money you put in, the quicker your super is going to grow and compound. Obviously, the downside is that it means it's locked into super until you meet a condition of release. So for example, retiring and turning 60.\n\nSo if you put the money in, it's obviously not something you can access\n\nChannel 1: Yes. Yeah.\n\nChannel 0: straight\n\nChannel 1: Yep.\n\nChannel 0: away. So just obviously be mindful of that.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Yep. Perfect. Now the other couple of documents in that email for you to have a look at, there is a\n\nChannel 1: Mhmm.\n\nChannel 0: super insurance summary. It just shows you a breakdown of your current superannuation. So at the moment, you have $59,932 in there with hub twenty four,\n\nChannel 1: Yep.\n\nChannel 0: and you have your MetLife insurance like you touched on. So it's about 1,250,000 worth of life and TPD.\n\nChannel 1: Yes.\n\nChannel 0: You also have your income protection, which will pay a a monthly amount of that 5,250, thirty day waiting period, five year benefit period, and then you also have that trauma policy with a tax life of a 100,000. You still happy with the level of cover and everything for your MetLife insurances for now?\n\nChannel 1: Yeah. Yeah. Obviously,\n\nChannel 0: Yep.\n\nChannel 1: I'm I'm allowed as many insurance policies as possible. I can get another insurance policy with a different company, can't I? Like, it doesn't really matter. Like, if I'm paying\n\nChannel 0: Yes and no. Life, total permanent disability, and trauma, yes. You can have multiple policies on that.\n\nChannel 1: yeah.\n\nChannel 0: Income protection, technically, you can have. You can have as many as you want. The only thing is you might not be able to claim on all of them because how it works is that it only covers you for 70% of your income. So let's say you have five income protection policies,\n\nChannel 1: Yeah.\n\nChannel 0: paying 5,000 a month, you're not gonna be able to claim on all of them because\n\nChannel 1: Yeah.\n\nChannel 0: combined, they can only cover 70% of your income.\n\nChannel 1: Like, even combined.\n\nChannel 0: Yes.\n\nChannel 1: So they could only bloody\n\nChannel 0: Correct.\n\nChannel 1: do, like, 15% each. Something like\n\nChannel 0: Correct.\n\nChannel 1: that.\n\nChannel 0: Correct.\n\nChannel 1: Yeah. Right. Okay.\n\nChannel 0: So\n\nChannel 1: Okay.\n\nChannel 0: that\n\nChannel 1: Well\n\nChannel 0: is the only thing with income protection that\n\nChannel 1: alright.\n\nChannel 0: you ideally don't\n\nChannel 1: So\n\nChannel 0: wanna\n\nChannel 1: I'll I'll\n\nChannel 0: have\n\nChannel 1: start\n\nChannel 0: multiple\n\nChannel 1: just having the best of just having the one policy then.\n\nChannel 0: correct. Especially\n\nChannel 1: Okay.\n\nChannel 0: with income protection. And then, also, if it if it were to make a claim, it makes it tricky having to go through multiple different insurers, and it often makes it more expensive\n\nChannel 1: Yeah.\n\nChannel 0: than having a higher amount with one insurer.\n\nChannel 1: Yeah. Yeah. Gotcha.\n\nChannel 0: Yep.\n\nChannel 1: Okay. I'll I'll check and make sure my NRMA isn't I'll just see which is the best one, which is cheaper and which just covers the most, and I'll just go with that. I'll\n\nChannel 0: Yeah.\n\nChannel 1: get back to\n\nChannel 0: And\n\nChannel 1: you\n\nChannel 0: is the\n\nChannel 1: I'll get back to you with the with that one.\n\nChannel 0: and is that income protection, or is that a different type of insurer? Because, obviously, you might have, like, your public\n\nChannel 1: Yeah. I have\n\nChannel 0: policy.\n\nChannel 1: public liability.\n\nChannel 0: Yeah.\n\nChannel 1: And I think I'm pretty sure I've got income protection as well, but I'll double check.\n\nChannel 0: Okay. Yeah. You can always email that through to me if you want or\n\nChannel 1: Right.\n\nChannel 0: just\n\nChannel 1: Because\n\nChannel 0: give\n\nChannel 1: there\n\nChannel 0: me a\n\nChannel 1: there's\n\nChannel 0: call.\n\nChannel 1: more monthly premiums that, you know, I could be putting into into a super account if it's gonna cost me whatever. You know?\n\nChannel 0: Yes. Yeah. Exactly. So we can definitely have a look at that. So have a look.\n\nIf you do have income protection, you can just\n\nChannel 1: Yep.\n\nChannel 0: email that policy through or just give give me a call to say, hey. I have this.\n\nChannel 1: Yes.\n\nChannel 0: Can we talk about the insurance? Then we can and we can work out and see what we want to do because,\n\nChannel 1: Yep.\n\nChannel 0: yes, you don't wanna pay for too much if you can't claim on it because\n\nChannel 1: Okay.\n\nChannel 0: then we can look at what's best for you. Now\n\nChannel 1: Yep. Yep.\n\nChannel 0: I know you have to go, so I'll just quickly say there's a couple of other documents. There is your certificate of currency. It just breaks down all your insurances in a bit more detail if you do wanna have a look at that, but basically shows you it's all paid and up to date.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: You'll have another financial services guide, just that compliance form that gives you all the important information in regards to us here at Oakview. There is two documents it will ask you to sign if you're happy to do so when you've had a chance to look at the documents. One is a ongoing service agreement. Now that one here is basically to say that you are happy to stay on as a client.\n\nChannel 1: Yep.\n\nChannel 0: Now there is no changes whatsoever in regards to the fee structure for you. It stays exactly the same at 1.65. No changes in regards to that. And, Andrew, it is not a lock in contract. So if at any point in time, you are not happy, it is not a lock in contract.\n\nSo by signing this, otherwise, it just allows us to manage everything for you in the time. Does that make\n\nChannel 1: Yep.\n\nChannel 0: sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. There is one last document it will ask you to sign as well, and it's just a compliance form to say we are keeping your tax file number secure and safe on file.\n\nChannel 1: Yep.\n\nChannel 0: Now I know that was pretty fast, but do you have any questions for me at this point otherwise?\n\nChannel 1: No. No. That's\n\nChannel 0: No.\n\nChannel 1: pretty\n\nChannel 0: Okay.\n\nChannel 1: good. As I said, I'll just get back to you with my insurance things. And\n\nChannel 0: Yes.\n\nChannel 1: is this a direct number for you, or is this just the office?\n\nChannel 0: This is just the office, but you can\n\nChannel 1: Yep.\n\nChannel 0: just ask directly for me as well. Now I do also want to let you know on a personal note that I will be going on maternity leave shortly.\n\nChannel 1: Okay. Well, congratulations.\n\nChannel 0: So thank you very much. Sorry. I will be leaving on the September 10, and I\n\nChannel 1: Yep.\n\nChannel 0: will be off for about twelve months.\n\nChannel 1: Yep.\n\nChannel 0: What I will do is I will send you a email with a handover to my colleague, Jenna, who will kind of take over from me while I'm away. So you'll have her direct contact email. If you forget or you just email me directly, everything will be forwarded on to\n\nChannel 1: Yep.\n\nChannel 0: her anyway. Or if you\n\nChannel 1: Yep.\n\nChannel 0: forget, you just call the office and you ask for me, they know as\n\nChannel 1: Yes.\n\nChannel 0: well.\n\nChannel 1: Yes.\n\nChannel 0: So if I hear from you before, we can obviously chat about that. If\n\nChannel 1: Yes.\n\nChannel 0: not, I will give Jenna a bit of a rundown of what we spoke about today in\n\nChannel 1: Yes.\n\nChannel 0: regards to those insurances, but I will make sure you get those projections by end of business day tomorrow\n\nChannel 1: Yep.\n\nChannel 0: with the two comparisons. But anything else you need in the meantime, don't hesitate to to give me a call. But if I don't hear from you, obviously, I wish you all the best in the meantime, and I will speak to you next year.\n\nChannel 1: Yeah. No worries. I'll try and get all that done before September 10. And, obviously, if I don't speak to you, so it's best to look with\n\nChannel 0: Yeah.\n\nChannel 1: the baby. I know what it's like.\n\nChannel 0: Yeah.\n\nChannel 1: First one?\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: Well yeah. Well, enjoy the whole whole experience.\n\nChannel 0: Yeah.\n\nChannel 1: K?\n\nChannel 0: Yeah. Will do.\n\nChannel 1: Take\n\nChannel 0: Thank you so\n\nChannel 1: take\n\nChannel 0: much,\n\nChannel 1: it\n\nChannel 0: Andrew.\n\nChannel 1: all in and, yeah, embrace it. Alright, love.\n\nChannel 0: I will. And have a look at those emails as well when you have a moment for me.\n\nChannel 1: Will do. Thanks,\n\nChannel 0: Yeah.\n\nChannel 1: Veronica.\n\nChannel 0: Okay.\n\nChannel 1: Cheers, love.\n\nChannel 0: No worries. Thanks,\n\nChannel 1: See\n\nChannel 0: Sue.\n\nChannel 1: you then.\n\nChannel 0: Bye.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.03582683205604553}],"sentiment":"neutral","sentiment_score":0.03582683205604553,"channel":1,"num_words":1,"start":1.1999999,"end":1.6999999},{"sentences":[{"text":"Good afternoon.","start":2.48,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.23574154824018478},{"text":"Is this Andrew?","start":3.1999998,"end":4.02,"sentiment":"neutral","sentiment_score":0.11034846057494481}],"sentiment":"neutral","sentiment_score":0.1605056956410408,"channel":0,"num_words":5,"start":2.48,"end":4.02},{"sentences":[{"text":"Hello?","start":5.12,"end":5.62,"sentiment":"neutral","sentiment_score":0.042878612875938416}],"sentiment":"neutral","sentiment_score":0.042878612875938416,"channel":1,"num_words":1,"start":5.12,"end":5.62},{"sentences":[{"text":"Good afternoon.","start":6.3199997,"end":7.12,"sentiment":"neutral","sentiment_score":0.15769410878419876},{"text":"Is this Andrew?","start":7.12,"end":8.02,"sentiment":"neutral","sentiment_score":0.0982193648815155}],"sentiment":"neutral","sentiment_score":0.1220092624425888,"channel":0,"num_words":5,"start":6.3199997,"end":8.02},{"sentences":[{"text":"It is.","start":8.4,"end":8.8,"sentiment":"neutral","sentiment_score":0.07690747082233429},{"text":"Yep.","start":8.8,"end":9.04,"sentiment":"neutral","sentiment_score":0.10144752264022829},{"text":"Speaking.","start":9.04,"end":9.54,"sentiment":"neutral","sentiment_score":0.09799566864967346}],"sentiment":"neutral","sentiment_score":0.08831453323364258,"channel":1,"num_words":4,"start":8.4,"end":9.54},{"sentences":[{"text":"This is Veronica from ICU Financial.","start":9.76,"end":11.94,"sentiment":"neutral","sentiment_score":0.15173546224832535},{"text":"How are you?","start":12.16,"end":12.9,"sentiment":"neutral","sentiment_score":0.15850956737995148}],"sentiment":"neutral","sentiment_score":0.15399349729220072,"channel":0,"num_words":9,"start":9.76,"end":12.9},{"sentences":[{"text":"Good.","start":13.28,"end":13.5199995,"sentiment":"positive","sentiment_score":0.4048478603363037},{"text":"Veronica Hastings.","start":13.5199995,"end":14.5,"sentiment":"neutral","sentiment_score":0.29220521450042725}],"sentiment":"neutral","sentiment_score":0.32975276311238605,"channel":1,"num_words":3,"start":13.28,"end":14.5},{"sentences":[{"text":"Yeah.","start":15.2,"end":15.675,"sentiment":"neutral","sentiment_score":0.28689807653427124},{"text":"Good.","start":15.915,"end":16.415,"sentiment":"positive","sentiment_score":0.5558776259422302}],"sentiment":"positive","sentiment_score":0.42138785123825073,"channel":0,"num_words":2,"start":15.2,"end":16.415},{"sentences":[{"text":"That's","start":17.015,"end":17.515,"sentiment":"positive","sentiment_score":0.47971653938293457}],"sentiment":"positive","sentiment_score":0.47971653938293457,"channel":1,"num_words":1,"start":17.015,"end":17.515},{"sentences":[{"text":"I had you booked in to go over your under review.","start":17.115,"end":20.555,"sentiment":"positive","sentiment_score":0.40021028301932593},{"text":"Is now still a good time for you?","start":20.555,"end":22.255001,"sentiment":"positive","sentiment_score":0.3561031259596348}],"sentiment":"positive","sentiment_score":0.38163884846787705,"channel":0,"num_words":19,"start":17.115,"end":22.255001},{"sentences":[{"text":"good.","start":23.175,"end":23.575,"sentiment":"neutral","sentiment_score":0.27547121047973633},{"text":"Yeah.","start":23.575,"end":24.075,"sentiment":"neutral","sentiment_score":0.11480507254600524},{"text":"Yeah.","start":24.375,"end":24.695,"sentiment":"neutral","sentiment_score":0.0849621519446373},{"text":"Kind of.","start":24.695,"end":25.175,"sentiment":"neutral","sentiment_score":0.05049465224146843},{"text":"It'll take, what, fifteen minutes?","start":25.175,"end":26.715,"sentiment":"neutral","sentiment_score":0.030506915971636774}],"sentiment":"neutral","sentiment_score":0.07287623193114996,"channel":1,"num_words":10,"start":23.175,"end":26.715},{"sentences":[{"text":"Probably yeah.","start":27.94,"end":29.380001,"sentiment":"neutral","sentiment_score":0.0476787444204092},{"text":"I can try to make it quick for you.","start":29.380001,"end":30.98,"sentiment":"neutral","sentiment_score":0.0897706068224377},{"text":"How much time do you have?","start":30.98,"end":32.440002,"sentiment":"neutral","sentiment_score":0.009967411402612925}],"sentiment":"neutral","sentiment_score":0.05665278933284914,"channel":0,"num_words":17,"start":27.94,"end":32.440002},{"sentences":[{"text":"Probably fifteen minutes.","start":33.03,"end":34.57,"sentiment":"neutral","sentiment_score":0.02364239531258742}],"sentiment":"neutral","sentiment_score":0.02364239531258742,"channel":1,"num_words":3,"start":33.03,"end":34.57},{"sentences":[{"text":"Okay.","start":35.06,"end":35.46,"sentiment":"neutral","sentiment_score":0.06736250221729279},{"text":"I can try to make it quick for you.","start":35.46,"end":36.98,"sentiment":"neutral","sentiment_score":0.10875886678695679},{"text":"And if we do run out of time, I can always get you rescheduled, but","start":36.98,"end":40.695,"sentiment":"neutral","sentiment_score":0.02994636247555415}],"sentiment":"neutral","sentiment_score":0.05981550961732864,"channel":0,"num_words":25,"start":35.06,"end":40.695},{"sentences":[{"text":"Yes.","start":41.165,"end":41.665,"sentiment":"neutral","sentiment_score":0.0815839171409607}],"sentiment":"neutral","sentiment_score":0.0815839171409607,"channel":1,"num_words":1,"start":41.165,"end":41.665},{"sentences":[{"text":"I'll I'll try to make","start":41.255,"end":42.335,"sentiment":"neutral","sentiment_score":0.073878476023674}],"sentiment":"neutral","sentiment_score":0.073878476023674,"channel":0,"num_words":5,"start":41.255,"end":42.335},{"sentences":[{"text":"And,","start":42.285,"end":42.365,"sentiment":"neutral","sentiment_score":0.10195735096931458}],"sentiment":"neutral","sentiment_score":0.10195735096931458,"channel":1,"num_words":1,"start":42.285,"end":42.365},{"sentences":[{"text":"it","start":42.335,"end":42.454998,"sentiment":"neutral","sentiment_score":0.14744818210601807}],"sentiment":"neutral","sentiment_score":0.14744818210601807,"channel":0,"num_words":1,"start":42.335,"end":42.454998},{"sentences":[{"text":"obviously,","start":42.365,"end":42.865,"sentiment":"neutral","sentiment_score":0.13994063436985016}],"sentiment":"neutral","sentiment_score":0.13994063436985016,"channel":1,"num_words":1,"start":42.365,"end":42.865},{"sentences":[{"text":"quick.","start":42.454998,"end":42.954998,"sentiment":"neutral","sentiment_score":0.11766475439071657}],"sentiment":"neutral","sentiment_score":0.11766475439071657,"channel":0,"num_words":1,"start":42.454998,"end":42.954998},{"sentences":[{"text":"I I made the appointment last week.","start":42.925003,"end":44.525,"sentiment":"neutral","sentiment_score":0.09591088124683925},{"text":"Just something popped up today.","start":44.525,"end":46.145,"sentiment":"neutral","sentiment_score":0.062023375928401944}],"sentiment":"neutral","sentiment_score":0.08179108736415704,"channel":1,"num_words":12,"start":42.925003,"end":46.145},{"sentences":[{"text":"Yes.","start":46.855,"end":47.355,"sentiment":"neutral","sentiment_score":0.1021263748407364}],"sentiment":"neutral","sentiment_score":0.1021263748407364,"channel":0,"num_words":1,"start":46.855,"end":47.355},{"sentences":[{"text":"I should be off on Friday, but if you wanna just do it quickly or do Friday or we can do it today for half an","start":47.005,"end":54.079998,"sentiment":"neutral","sentiment_score":0.06376527034892486}],"sentiment":"neutral","sentiment_score":0.06376527034892486,"channel":1,"num_words":26,"start":47.005,"end":54.079998},{"sentences":[{"text":"Let's 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in and, yeah, embrace it.","start":1343.275,"end":1344.875,"sentiment":"positive","sentiment_score":0.5584696580966314},{"text":"Alright, love.","start":1344.875,"end":1345.695,"sentiment":"positive","sentiment_score":0.5617876946926117}],"sentiment":"positive","sentiment_score":0.5592991672456264,"channel":1,"num_words":8,"start":1343.275,"end":1345.695},{"sentences":[{"text":"I will.","start":1345.36,"end":1345.92,"sentiment":"positive","sentiment_score":0.4936915636062622},{"text":"And have a look at those emails as well when you have a moment for me.","start":1345.92,"end":1348.98,"sentiment":"positive","sentiment_score":0.33727528993040323}],"sentiment":"positive","sentiment_score":0.35465487589438754,"channel":0,"num_words":18,"start":1345.36,"end":1348.98},{"sentences":[{"text":"Will 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a call with a representative from ICU Financial, a customer named Andrew discusses his financial situation, including his income and property, retirement plans, and health issues. The representative provides information on retirement savings, health and lifestyle concerns, and potential retirement savings. They also discuss the customer's risk profile and the need for a to-do list. The agent provides information on a risk profile questionnaire and a projection of retirement savings, and offers to send a summary of the customer's current insurance policy and other documents. The customer is unsure of the type of insurer they will be purchasing and is advised to start with a single policy."},"intents":{"segments":[{"text":"This is Veronica from ICU Financial. How are you? Good.","start_word":16,"end_word":25,"intents":[{"intent":"Confirm identity","confidence_score":0.04940441}]},{"text":"That's I had you booked in to go over your under review. Is now still a good time for you?","start_word":30,"end_word":49,"intents":[{"intent":"Schedule appointment","confidence_score":0.09251367}]},{"text":"Is now still a good time for you?","start_word":42,"end_word":49,"intents":[{"intent":"Confirm time","confidence_score":0.06214509}]},{"text":"Thank you. Okay.","start_word":191,"end_word":193,"intents":[{"intent":"Express gratitude","confidence_score":0.2581816}]},{"text":"And I do have passwords on file for you as well. Do you know where that might be? Do you have what on file? Oh, password. Passwords? Yeah.","start_word":224,"end_word":251,"intents":[{"intent":"Provide passwords","confidence_score":0.10102166}]},{"text":"And may I ask if you have any ties to Scandinavia at all? I have no choice.","start_word":258,"end_word":274,"intents":[{"intent":"Ask about ties to swedenish","confidence_score":0.010954646}]},{"text":"So finance on that was I just ran today. The payout is $51.50 Yeah.","start_word":1155,"end_word":1168,"intents":[{"intent":"Record financial status","confidence_score":0.0000496378}]},{"text":"Now do you guys have a will or power of attorney in place at I don't think we do. all?","start_word":1426,"end_word":1445,"intents":[{"intent":"Confirm document details","confidence_score":0.0014101508}]},{"text":"We've kinda decided, like, that's why I wanna sell that car because, you know, obviously, it'll look better for the bank, but potentially get a an investment property. Yep.","start_word":1716,"end_word":1744,"intents":[{"intent":"Sell car","confidence_score":0.8947519},{"intent":"Understand investment property","confidence_score":0.000501725}]},{"text":"do a bit of an assessment on that. Yes.","start_word":1822,"end_word":1830,"intents":[{"intent":"Evaluate risk tolerance","confidence_score":0.010142017}]},{"text":"Now, Andrew, to make it quicker for you, I won't go through the whole risk profile questionnaire again. Just wanna check if your risk tolerance and how you feel about market fluctuation, has any of that changed, or are you still kind of feeling the same as when Well, we obviously, spoke last when I year? signed with you, then the Mhmm. whole thing in Iran and bloody, you Yes.","start_word":1831,"end_word":1900,"intents":[{"intent":"Check market fluctuation","confidence_score":0.016576245}]},{"text":"So what I have done is, obviously, not now if you're busy, but I have sent you an email with Yeah. some documents to go through.","start_word":1974,"end_word":1999,"intents":[{"intent":"Send email with documents","confidence_score":0.27632424}]},{"text":"So I'll quickly run through them with you now. And then later, obviously, when you have a bit more time, just jump in the email for me and and have a look at the documents. Yep.","start_word":2001,"end_word":2036,"intents":[{"intent":"Review investment results","confidence_score":0.0022759123}]},{"text":"the team to to draw up a new projection for you and email that through to you. That way, you have it as a bit of an update. If you do have any questions when you get it, just let me know. Yep.","start_word":2381,"end_word":2423,"intents":[{"intent":"Request new projection","confidence_score":0.0012261324}]},{"text":"then that way, that gives you a bit of a bit of an update on where things are currently tracking. Sorry, love.","start_word":2425,"end_word":2446,"intents":[{"intent":"Provide update on tracking","confidence_score":0.21511765}]},{"text":"I I will get this I will get that drawn up for you. And now Yep. it might be end of tomorrow, Yeah. Yeah. because There's there's obviously no no a bit rush of math on and it. stuff.","start_word":2500,"end_word":2538,"intents":[{"intent":"Complete calculations","confidence_score":0.0001169074}]},{"text":"Now, obviously, when we spoke last year, we were looking at doing contributions of about $4.50 a month. Yep.","start_word":2541,"end_word":2559,"intents":[{"intent":"Identify contributions with 115 per month","confidence_score":7.91548e-8}]},{"text":"So I have here that you had a deposit of $1.01 5, so 115 on the August 5. Yeah.","start_word":2688,"end_word":2706,"intents":[{"intent":"Recount deposit amount","confidence_score":0.00060268573}]},{"text":"You also have your income protection, which will pay a a monthly amount of that 5,250, thirty day waiting period, five year benefit period, and then you also have that trauma policy with a tax life of a 100,000.","start_word":3048,"end_word":3086,"intents":[{"intent":"Educate on superannuation benefits","confidence_score":0.000026919775}]},{"text":"I'm I'm allowed as many insurance policies as possible. I can get another insurance policy with a different company, can't I? Like, it doesn't really matter. Like, if I'm paying Yes and no. Life, total permanent disability, and trauma, yes. You can have multiple policies on that. yeah.","start_word":3107,"end_word":3154,"intents":[{"intent":"Clarify insurance policy requirements","confidence_score":0.007740737}]},{"text":"Can we talk about the insurance? Then we can and we can work out and see what we want to do because, Yep. yes, you don't wanna pay for too much if you can't claim on it because Okay.","start_word":3526,"end_word":3564,"intents":[{"intent":"Discuss insurance","confidence_score":0.1949236}]},{"text":"There is two documents it will ask you to sign if you're happy to do so when you've had a chance to look at the documents. One is a ongoing service agreement. Now that one here is basically to say that you are happy to stay on as a client. Yep.","start_word":3658,"end_word":3708,"intents":[{"intent":"Sign documents","confidence_score":0.08420828}]},{"text":"So by signing this, otherwise, it just allows us to manage everything for you in the time.","start_word":3763,"end_word":3779,"intents":[{"intent":"Manage insurance","confidence_score":0.0015923267}]},{"text":"As I said, I'll just get back to you with my insurance things. And Yes. is this a direct number for you, or is this just the office? This is just the office, but you can Yep. just ask directly for me as well. Now I do also want to let you know on a personal note that I will be going on maternity leave shortly. Okay.","start_word":3848,"end_word":3914,"intents":[{"intent":"Discuss insurances and schedule maternity leave","confidence_score":0.00008846609}]},{"text":"What I will do is I will send you a email with a handover to my colleague, Jenna, who will kind of take over from me while I'm away. So you'll have her direct contact email. If you forget or you just email me directly, everything will be forwarded on to Yep. her anyway. Or if you Yep. forget, you just call the office and you ask for me, they know as Yes. well.","start_word":3942,"end_word":4015,"intents":[{"intent":"Send email with projections","confidence_score":0.05392466}]},{"text":"But anything else you need in the meantime, don't hesitate to to give me a call. But if I don't hear from you, obviously, I wish you all the best in the meantime, and I will speak to you next year.","start_word":4074,"end_word":4114,"intents":[{"intent":"Discuss future contact","confidence_score":0.030806676}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon. Is this Andrew? Hello? Good afternoon. Is this Andrew? It is. Yep. Speaking. This is Veronica from ICU Financial. How are you?","start_word":0,"end_word":24,"sentiment":"neutral","sentiment_score":0.12325237691402437},{"text":"Good.","start_word":25,"end_word":25,"sentiment":"positive","sentiment_score":0.4048478603363037},{"text":"Veronica Hastings. Yeah.","start_word":26,"end_word":28,"sentiment":"neutral","sentiment_score":0.29538631439208984},{"text":"Good. That's I had you booked in to go over your under review. Is now still a good time for you?","start_word":29,"end_word":49,"sentiment":"positive","sentiment_score":0.3995445966720581},{"text":"good. Yeah. Yeah. Kind of. It'll take, what, fifteen minutes? Probably yeah. I can try to make it quick for you. How much time do you have? Probably fifteen minutes. Okay. I can try to make it quick for you. And if we do run out of time, I can always get you rescheduled, but Yes. I'll I'll try to make And, it obviously, quick. I I made the appointment last week. Just something popped up today. Yes. I should be off on Friday, but if you wanna just do it quickly or do Friday or we can do it today for half an Let's try hour. to do it now, and we'll see how we Okay. go, and I'll try to make it quick for you. But if you gotta go, just interrupt me. Okay? Yep. Yep. Will do. Yeah.","start_word":50,"end_word":190,"sentiment":"neutral","sentiment_score":0.05633792281150818},{"text":"Thank you.","start_word":191,"end_word":192,"sentiment":"positive","sentiment_score":0.3744823932647705},{"text":"Okay. Perfect. Now before I do go any further, I just need to let you know that our calls are Yep. being recorded for security purposes, if that's okay. Yep. Perfect. And I do have passwords on file for you as well. Do you know where that might be? Do you have what on file? Oh, password. Passwords? Yeah. Yeah. Yeah. Yeah. OdenvalleTorren. Yep.","start_word":193,"end_word":256,"sentiment":"neutral","sentiment_score":0.06465401500463486},{"text":"Beautiful.","start_word":257,"end_word":257,"sentiment":"positive","sentiment_score":0.363530158996582},{"text":"And may I ask if you have any ties to Scandinavia at all? I have no choice. No. But we we just like the the North kinda names. Yeah.","start_word":258,"end_word":286,"sentiment":"neutral","sentiment_score":0.0057912226766347885},{"text":"I love it.","start_word":287,"end_word":289,"sentiment":"positive","sentiment_score":0.5073599815368652},{"text":"I don't know if I told you last time, but I'm Swedish. So it's very Oh, much are you? home home. Yeah.","start_word":290,"end_word":311,"sentiment":"neutral","sentiment_score":0.12585048377513883},{"text":"So it's very much home to me. And I was like, oh, that is so good.","start_word":312,"end_word":327,"sentiment":"positive","sentiment_score":0.46811777353286743},{"text":"And I wondered if you had any connection because of the names. Yeah. Yeah. No. Like, I'm Irish, obviously, but I don't know. We just loved watching we started watching that Viking series. And Yes.","start_word":328,"end_word":362,"sentiment":"neutral","sentiment_score":0.06553401798009872},{"text":"I love it.","start_word":363,"end_word":365,"sentiment":"positive","sentiment_score":0.6328688263893127},{"text":"yeah. And then when we went back home to Ireland after we got married, we've seen they were filming it there. So my wife's Yeah. got photos with Bjorn and stuff like that and all his gear. Yeah. Yeah. Yeah. She she was, like, prodding, and I was like, oh, I need a photo with luggage and now couldn't get one, though. But yeah. So we just said we'd give them all well, kinda dull, kinda nice names. Yeah. Yeah. No.","start_word":366,"end_word":446,"sentiment":"neutral","sentiment_score":-0.036012403666973114},{"text":"They're beautiful. I I love it. Thank you.","start_word":447,"end_word":454,"sentiment":"positive","sentiment_score":0.6644489765167236},{"text":"Now what I will do quickly, Andrew, is just run through a bit of a fact find just to see if there's anything major that has changed in your life if Yep. we need to make any tweaks and changes to your advice. So I'll try to make this one quick for you. Yep. Personal information, still married with three financial dependents. Yep. Beautiful. Now I don't actually Yep. have Fiona's number on file. Do you know what that might be? Yep. Pretty similar Yep. to mine. So 0459 Yep. 466447. 447. Beautiful. Occupation wise, has any of that changed for you? No. No. Unfortunately, No. I'm still a painter. No worries. I'm still obviously self employed. Yeah. Yep. Now income pay yourself about 90,000 roughly. Yeah. Yeah. Something like that. Yep. Yep. Yep. Okay. Perfect. And I can see here that you are contributing into super at around 115 per fortnight. Does that sound about right? $1.50 and 4. No. Yeah. They're both. What yeah. $1.01 15. Oh, $1.50 and yeah. Okay. Yep. Yep. Is that because that's what's coming into your account at the moment. Is that kind of what you have set up, or do you just have it, like, automatically? I just have that automatically. But, Yep. yeah, I'm hoping to start potentially adding a little bit more to Yep. get. To boost it a little bit. Yeah. Yeah. Well, I wanna And I that don't wanna be doing this for so many years. So if I can retire, you know, I'm gonna have to put in a little bit more to boost it up. yeah. Yep.","start_word":455,"end_word":725,"sentiment":"neutral","sentiment_score":0.016128287640334936},{"text":"Perfect.","start_word":726,"end_word":726,"sentiment":"positive","sentiment_score":0.6384915113449097},{"text":"And with the the cap space because, obviously, we are doing we did that notice of intent for you.","start_word":727,"end_word":745,"sentiment":"neutral","sentiment_score":0.2919960916042328},{"text":"So it has actually gone up this financial year, which is good.","start_word":746,"end_word":757,"sentiment":"positive","sentiment_score":0.5539631843566895},{"text":"You still have plenty of space, but it's gone up from it used to be 30,000, and it's now 32,500. So if you Yes. do decide to increase it a little bit, you still have plenty of space. If you win the lottery or come across something and you wanna put heat in, just let me know because I just Yep. wanna make sure you stay on the kneecap spaces if you do change it too much. Okay? Yeah. Okay.","start_word":758,"end_word":837,"sentiment":"neutral","sentiment_score":0.15268398821353912},{"text":"Beautiful.","start_word":838,"end_word":838,"sentiment":"positive","sentiment_score":0.38466352224349976},{"text":"Asset wise, property still died at around 800,000? Yep. No. No. No. So we've moved house. We sold that last house. Yep. So property was the house is probably valued at around $9.70 to $9.80. $9.72 $1.80. Perfect. And mortgage? Mortgage, $6.70. About $6.70. Now I do wanna just triple check the address here as well. Yep. Is that the 21 Rosewater Circuit, or No. is That's that the was that old your old? that's the Okay. old price. Perfect. And then 9 Florence Street is your new place. Yes. Yeah. Okay.","start_word":839,"end_word":930,"sentiment":"neutral","sentiment_score":-0.010946271009743214},{"text":"Beautiful.","start_word":931,"end_word":931,"sentiment":"positive","sentiment_score":0.4166611135005951},{"text":"Just to make sure I got that. Camper trailer, about 23,500 Yeah. Yeah. still? What? Yep. The value of it? Yeah. Probably around 27, actually. Yes. Quite About looking 20 at it, 7. like yeah. Yeah. About Yep. And you didn't have anything owing on that one, do you? no. No. Beautiful. You also have the motor vehicle right at about 71,500. That would be that's paid off. The Oh, perfect. the is is is paid off, Yep.","start_word":932,"end_word":1009,"sentiment":"neutral","sentiment_score":0.04453545932968458},{"text":"Great.","start_word":1010,"end_word":1010,"sentiment":"positive","sentiment_score":0.5067094564437866},{"text":"and that's paid off. It's probably value is, I don't know, maybe 60 now, like, depreciation. Yeah. 65 That or something happened. like that. You know? Yep. Yeah. Perfect. And I was at a I ended up buying another car. Oh, yeah. Right? Yeah. Range Rover. And how much is that one? Right. Right.","start_word":1011,"end_word":1064,"sentiment":"neutral","sentiment_score":0.04928234964609146},{"text":"Nice Stupid. Stupid.","start_word":1065,"end_word":1067,"sentiment":"negative","sentiment_score":-0.41999351978302},{"text":"car, though. Very nice car, but for the Yeah. it's just my wife says that's a midlife crisis. I was like, no. I just thought I I just thought I deserved a nice car. You know what I mean? Like, instead I mean, of it driving is a beautiful golf, the but it it is. Oh, it's not brand new, but, like, it's 20 yeah. 15 or something like that, but it's it's Yeah. still mod modern to even to Yeah. look at these days. But yeah. So finance on that was I just ran today. The payout is $51.50 Yeah. 1 Yep. 5 so 51,005 Fifty one. 100. 50 Yeah. I'm one making 5. 9 Yep. $9.15 payments a month. Yep. And I just Okay. think, man, if I'm gonna try and sell that because I only drive on weekends. And if I can get rid of that, I I'll probably Yeah. owe I'll probably owe a little bit of money anyway. I don't think I'll sell if I wanna pay for it. But, yeah, then at least that way, I can start making some more contributions into the silver. Just Yeah. make more Saves sense. a little bit. Yeah. Yep. Perfect. And how much would you say is Vida if you were how much did you buy it for, or how much is it worth? 40 What do you reckon? I think all the finance and everything like that was 44 and 44. a bit. And, Yep. yeah, it was 40. Then I got added warranty and all that, and then, obviously, financial fees, all that kind of Yes. stuff added in. So it was around 40 something, 44. Yep. And as Okay. I say, pay payout is 40 $51.05. And if Yep. I go if I go the whole length of the term over seven years, it's, like, Yep. $70.70 grand.","start_word":1068,"end_word":1381,"sentiment":"neutral","sentiment_score":-0.04199825380305955},{"text":"So I'm, like, fucking Okay. stupid. I'm not getting rid of it.","start_word":1382,"end_word":1393,"sentiment":"negative","sentiment_score":-0.457711786031723},{"text":"Yeah. No. That totally made sense. Yeah. And, Andrew, health and lifestyle, any changes there? Any injuries or issues No. or No. anything? Everything's going good?","start_word":1394,"end_word":1419,"sentiment":"neutral","sentiment_score":-0.009709577076137066},{"text":"Yeah. Everything's good.","start_word":1420,"end_word":1422,"sentiment":"positive","sentiment_score":0.40038520097732544},{"text":"Yep. Yep.","start_word":1423,"end_word":1424,"sentiment":"neutral","sentiment_score":0.2271493673324585},{"text":"Perfect.","start_word":1425,"end_word":1425,"sentiment":"positive","sentiment_score":0.34786301851272583},{"text":"Now do you guys have a will or power of attorney in place at I don't think we do. all? I think we set up No? one just a a rough one when we got married, but it's like one of Mhmm. those newsagent ones. So we really need to go and get one of the the proper ones, you know, for power Oh, of attorney yeah. and stuff like Yeah. Now would you like us to send you an email with the firm that we work that. closely with and their pricing and stuff just for reference? Yeah. Yeah. I can do. Yeah? Yeah. Yeah. That way it's in your inbox Yep. through and a bit of a price comparison, and they're pretty good as well. So I'll get Yep. the team to email you that. Now when it comes through your beneficiary, so in the event that something were to happen to you, Yes. it doesn't look like we have a Oh, no. You nomination. guys sent Yeah. I Yes. I rang up the other week, and Jack got something sent out to me. He Yes. sent it out. It was all signed. So pretty Okay. much, I just I just haven't had time to print it off and scan it. No worries. And, All yeah, good. sign it, At sign least it, you're scan all it. over But that. yeah. But I have it Yep. all in in in the inbox so I know where it is Okay. and stuff like that.","start_word":1426,"end_word":1680,"sentiment":"neutral","sentiment_score":0.07386855670050078},{"text":"Okay. Beautiful. That is good.","start_word":1681,"end_word":1685,"sentiment":"positive","sentiment_score":0.6570618152618408},{"text":"Otherwise, when I guess when it comes to goals, stuff that you are working towards, is there anything in the next couple of year that you are focusing on? Yeah. We've kinda decided, like, that's why I wanna sell that car because, you know, obviously, it'll look better for the bank, but potentially get a an investment property. Yep. You know, use some of the equity, maybe you redraw under grand at that and Mhmm. get get something, you know, for around Yep. the $3.03 50 mark. Yep.","start_word":1686,"end_word":1773,"sentiment":"neutral","sentiment_score":0.03354070335626602},{"text":"Perfect.","start_word":1774,"end_word":1774,"sentiment":"positive","sentiment_score":0.3890160322189331},{"text":"So in in rural, yeah, kinda South Australia. Yep. And if you don't have a mortgage broker or do you just wanna speak to someone about you got We someone? have Roker. We have our Oh, Roker.","start_word":1775,"end_word":1811,"sentiment":"neutral","sentiment_score":0.04821819067001343},{"text":"perfect. That's good. That's good.","start_word":1812,"end_word":1816,"sentiment":"positive","sentiment_score":0.37881383299827576},{"text":"And they can obviously Yeah. do a bit of an assessment on that. Yes. Now, Andrew, to make it quicker for you, I won't go through the whole risk profile questionnaire again. Just wanna check if your risk tolerance and how you feel about market fluctuation, has any of that changed, or are you still kind of feeling the same as when Well, we obviously, spoke last when I year? signed with you, then the Mhmm. whole thing in Iran and bloody, you Yes. know, and all that kinda happened. So that kinda when I asked, they gave me a, like, a rough estimate of what it was. And I was like, Mhmm. oh, shit. Didn't didn't earn too much profit in the in that time frame. You know what I mean? And then I was high risk, high reward. So, yeah, I don't know. Like Mhmm. Okay. like, what Because it's it's go.","start_word":1817,"end_word":1970,"sentiment":"neutral","sentiment_score":-0.04024180769920349},{"text":"done pretty good.","start_word":1971,"end_word":1973,"sentiment":"positive","sentiment_score":0.3421776592731476},{"text":"So what I have done is, obviously, not now if you're busy, but I have sent you an email with Yeah. some documents to go through. So I'll quickly run through them with you now. And then later, obviously, when you have a bit more time, just jump in the email for me and and have a look at the documents. Yep. Now one of the document is a performance report. Yep. Now that one here shows you the last twelve months. So during the under review, we kind of like to look at it on, like, a twelve month period just to Yep. see, obviously, what's happened. Since we spoke last time under review wise, it does break down all your individual investments, how they have performed, and this is all net of fees. So everything after fees as well.","start_word":1974,"end_word":2114,"sentiment":"neutral","sentiment_score":0.07340022282186129},{"text":"Now in the last twelve months, your portfolio has gone up so by 11.12%, Okay. which which is actually really good given what you touched on.","start_word":2115,"end_word":2140,"sentiment":"positive","sentiment_score":0.4501078724861145},{"text":"Given the last twelve months we've had, there's been a lot of fluctuations in the market, obviously, with everything in The US and with the war and stuff like that. So it's been quite a quite a turbulent market in that way, and especially because you are in a aggressive portfolio. So you have majority of your funds in those high growth Yep. options. Yep. So that means that on a short term, when there are more fluctuations in the market, you can feel it and see it more on Yep. the short term. But then, obviously, the long term is that you will, obviously, try to have higher returns as a result because you still have plenty of time until you can retire to try to boost your super as I much wouldn't as possible. say plenty of time. It's taken down. Still plenty. Okay. Like, what's the projected kinda, like, you know, if if we keep going over the projection for what I can retire on at my age? Like because, obviously, Mhmm. I don't wanna retire with nothing, and I don't wanna have to keep really Oh, working I can yeah. till, you Yeah. know, 70 and stuff. Yeah. What I can do because there is obviously, things are always changing. Sorry. What I can do and there's obviously no guarantee on things. But what I can do is No.","start_word":2141,"end_word":2373,"sentiment":"neutral","sentiment_score":-0.04103418812155723},{"text":"I I can know get that.","start_word":2374,"end_word":2379,"sentiment":"negative","sentiment_score":-0.3344796299934387},{"text":"the team to to draw up a new projection for you and email that through to you. That way, you have it as a bit of an update. If you do have any questions when you get it, just let me know. Yep. But Yes. then that way, that gives you a bit of a bit of an update on where things are currently tracking. Sorry, love. You I think I'll put you No. on hold there. I can No. That was I was like, did you I just have a stop have playing music, a or what is yeah? happening? Yeah. No. Have a look to me here and take me here. Oh, Just good. press the button. Sorry. I I will get this I will get that drawn up for you. And now Yep. it might be end of tomorrow, Yeah. Yeah. because There's there's obviously no no a bit rush of math on and it. stuff. Yeah.","start_word":2380,"end_word":2539,"sentiment":"neutral","sentiment_score":0.04890229180455208},{"text":"Perfect.","start_word":2540,"end_word":2540,"sentiment":"positive","sentiment_score":0.4044349193572998},{"text":"Now, obviously, when we spoke last year, we were looking at doing contributions of about $4.50 a month. Yep. And, Yep. obviously, at the moment, you are doing about $2.30 a month. Oh, okay. See, So, that's what I'm obviously, saying. That's what that I need to get rid of that bloody car. yeah. But what I can do anyway so if you are doing that 115 per fortnight, which I can see in your transaction account in Hub 24, I It's can a just 115 work with what a 4? No. I thought it was 115 a week. No. no. Let me triple check for you, but I did have a look just before we jumped on the phone. But let me just triple check for you. That's the MetLife, isn't it, that comes out? No? Sorry. Contributions is what you put in yourself. Yeah. Yeah. So I have here that you had a deposit of $1.01 5, so 115 on the August 5. Yeah. And then you had the other one before that was the same amount, 115, which was the July 22. So that would have been the two e. Yep. And then the one before that was the fifteenth of Okay. July. Okay. Yep. So Yep. it looks like it's going So in fortnightly. I really don't So it it's need obviously a to little bit less. bump It still makes that a difference, though. maybe So up to weekly and make a little bit more. yeah. What I can do for you is I can do the two projections so you have that kind of seeing how the compound makes a difference. I do one with what you're currently doing, which is a 115 per fortnight, Yep. and then I can do a second one showing a 115 per week so that you can see those difference. Would that be helpful? Yep. Yeah.","start_word":2541,"end_word":2858,"sentiment":"neutral","sentiment_score":-0.016803332891479228},{"text":"That'd be great. Thank you.","start_word":2859,"end_word":2863,"sentiment":"positive","sentiment_score":0.6164531707763672},{"text":"Yep. Okay.","start_word":2864,"end_word":2865,"sentiment":"neutral","sentiment_score":0.2723788917064667},{"text":"Perfect.","start_word":2866,"end_word":2866,"sentiment":"positive","sentiment_score":0.484696626663208},{"text":"I will Bit get more that of a emailed. visual person. So if I can see it, then then it's a bit more of a realistic goal to kinda kick in the ass. Yes. Yes. And, obviously, something to be mindful of, the more money you put in, the quicker your super is going to grow and compound. Obviously, the downside is that it means it's locked into super until you meet a condition of release. So for example, retiring and turning 60. So if you put the money in, it's obviously not something you can access Yes. Yeah. straight Yep. away. So just obviously be mindful of that. Yep. No worries. Yep. Perfect. Now the other couple of documents in that email for you to have a look at, there is a Mhmm. super insurance summary. It just shows you a breakdown of your current superannuation. So at the moment, you have $59,932 in there with hub twenty four, Yep. and you have your MetLife insurance like you touched on. So it's about 1,250,000 worth of life and TPD. Yes. You also have your income protection, which will pay a a monthly amount of that 5,250, thirty day waiting period, five year benefit period, and then you also have that trauma policy with a tax life of a 100,000.","start_word":2867,"end_word":3086,"sentiment":"neutral","sentiment_score":0.03992261365056038},{"text":"You still happy with the level of cover and everything for your MetLife insurances for now?","start_word":3087,"end_word":3102,"sentiment":"positive","sentiment_score":0.5338407754898071},{"text":"Yeah. Yeah. Obviously, Yep. I'm I'm allowed as many insurance policies as possible. I can get another insurance policy with a different company, can't I? Like, it doesn't really matter. Like, if I'm paying Yes and no. Life, total permanent disability, and trauma, yes. You can have multiple policies on that. yeah. Income protection, technically, you can have. You can have as many as you want. The only thing is you might not be able to claim on all of them because how it works is that it only covers you for 70% of your income. So let's say you have five income protection policies, Yeah. paying 5,000 a month, you're not gonna be able to claim on all of them because Yeah. combined, they can only cover 70% of your income. Like, even combined. Yes. So they could only bloody Correct. do, like, 15% each. Something like Correct. that. Correct. Yeah. Right. Okay. So Okay. that Well is the only thing with income protection that alright. you ideally don't So wanna I'll I'll have start multiple just having the best of just having the one policy then. correct. Especially Okay. with income protection. And then, also, if it if it were to make a claim, it makes it tricky having to go through multiple different insurers, and it often makes it more expensive Yeah. than having a higher amount with one insurer. Yeah. Yeah. Gotcha. Yep. Okay. I'll I'll check and make sure my NRMA isn't I'll just see which is the best one, which is cheaper and which just covers the most, and I'll just go with that. I'll Yeah. get back to And you is the I'll get back to you with the with that one. and is that income protection, or is that a different type of insurer? Because, obviously, you might have, like, your public Yeah. I have policy. public liability. Yeah. And I think I'm pretty sure I've got income protection as well, but I'll double check. Okay. Yeah. You can always email that through to me if you want or Right. just Because give there me a there's call. more monthly premiums that, you know, I could be putting into into a super account if it's gonna cost me whatever. You know? Yes. Yeah. Exactly.","start_word":3103,"end_word":3484,"sentiment":"neutral","sentiment_score":0.02786159290108069},{"text":"So we can definitely have a look at that.","start_word":3485,"end_word":3493,"sentiment":"positive","sentiment_score":0.4575240910053253},{"text":"So have a look. If you do have income protection, you can just Yep. email that policy through or just give give me a call to say, hey. I have this. Yes. Can we talk about the insurance? Then we can and we can work out and see what we want to do because, Yep. yes, you don't wanna pay for too much if you can't claim on it because Okay. then we can look at what's best for you. Now Yep. Yep. I know you have to go, so I'll just quickly say there's a couple of other documents. There is your certificate of currency. It just breaks down all your insurances in a bit more detail if you do wanna have a look at that, but basically shows you it's all paid and up to date. Mhmm. Yep. You'll have another financial services guide, just that compliance form that gives you all the important information in regards to us here at Oakview. There is two documents it will ask you to sign if you're happy to do so when you've had a chance to look at the documents. One is a ongoing service agreement.","start_word":3494,"end_word":3689,"sentiment":"neutral","sentiment_score":0.16700582206249237},{"text":"Now that one here is basically to say that you are happy to stay on as a client.","start_word":3690,"end_word":3707,"sentiment":"positive","sentiment_score":0.4339587688446045},{"text":"Yep. Now there is no changes whatsoever in regards to the fee structure for you. It stays exactly the same at 1.65. No changes in regards to that. And, Andrew, it is not a lock in contract. So if at any point in time, you are not happy, it is not a lock in contract. So by signing this, otherwise, it just allows us to manage everything for you in the time. Does that make Yep. sense? Yep. Yep.","start_word":3708,"end_word":3786,"sentiment":"neutral","sentiment_score":0.11226894706487656},{"text":"Beautiful.","start_word":3787,"end_word":3787,"sentiment":"positive","sentiment_score":0.7662502527236938},{"text":"There is one last document it will ask you to sign as well, and it's just a compliance form to say we are keeping your tax file number secure and safe on file. Yep. Now I know that was pretty fast, but do you have any questions for me at this point otherwise? No. No. That's No. pretty Okay. good. As I said, I'll just get back to you with my insurance things. And Yes. is this a direct number for you, or is this just the office? This is just the office, but you can Yep. just ask directly for me as well. Now I do also want to let you know on a personal note that I will be going on maternity leave shortly. Okay.","start_word":3788,"end_word":3914,"sentiment":"neutral","sentiment_score":0.0825258269906044},{"text":"Well, congratulations. So thank you very much.","start_word":3915,"end_word":3921,"sentiment":"positive","sentiment_score":0.582573413848877},{"text":"Sorry. I will be leaving on the September 10, and I Yep. will be off for about twelve months. Yep. What I will do is I will send you a email with a handover to my colleague, Jenna, who will kind of take over from me while I'm away. So you'll have her direct contact email. If you forget or you just email me directly, everything will be forwarded on to Yep. her anyway. Or if you Yep. forget, you just call the office and you ask for me, they know as Yes. well. Yes. So if I hear from you before, we can obviously chat about that. If Yes. not, I will give Jenna a bit of a rundown of what we spoke about today in Yes. regards to those insurances, but I will make sure you get those projections by end of business day tomorrow Yep. with the two comparisons. But anything else you need in the meantime, don't hesitate to to give me a call. But if I don't hear from you, obviously, I wish you all the best in the meantime, and I will speak to you next year. Yeah. No worries. I'll try and get all that done before September 10. And, obviously, if I don't speak to you, so it's best to look with Yeah. the baby. I know what it's like. Yeah. First one? Yeah.","start_word":3922,"end_word":4153,"sentiment":"neutral","sentiment_score":0.005389305297285318},{"text":"Beautiful.","start_word":4154,"end_word":4154,"sentiment":"positive","sentiment_score":0.4395141005516052},{"text":"Well yeah.","start_word":4155,"end_word":4156,"sentiment":"neutral","sentiment_score":0.3280782401561737},{"text":"Well, enjoy the whole whole experience.","start_word":4157,"end_word":4162,"sentiment":"positive","sentiment_score":0.5970041751861572},{"text":"Yeah. K? Yeah. Will do.","start_word":4163,"end_word":4167,"sentiment":"neutral","sentiment_score":0.15975584089756012},{"text":"Take Thank you so take much, it Andrew. all in and, yeah, embrace it. Alright, love. I will.","start_word":4168,"end_word":4185,"sentiment":"positive","sentiment_score":0.5785201787948608},{"text":"And have a look at those emails as well when you have a moment for me.","start_word":4186,"end_word":4201,"sentiment":"neutral","sentiment_score":0.327925443649292},{"text":"Will do. Thanks, Yeah. Veronica.","start_word":4202,"end_word":4206,"sentiment":"positive","sentiment_score":0.4245774447917938},{"text":"Okay.","start_word":4207,"end_word":4207,"sentiment":"neutral","sentiment_score":0.30565160512924194},{"text":"Cheers, love. No worries. Thanks, See Sue. you then.","start_word":4208,"end_word":4216,"sentiment":"positive","sentiment_score":0.47754061222076416},{"text":"Bye. Bye. Bye.","start_word":4217,"end_word":4219,"sentiment":"neutral","sentiment_score":0.18510450422763824}],"average":{"sentiment":"neutral","sentiment_score":0.05301556503563597}}}}