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It didn't I couldn't get you when I had it in my calendar. I was gonna give you a call Tuesday to Wednesday. I've better remind for myself. How is how is your trip? Have fun with the family? It didn't get raining down. Anything Yes. Yeah. Yep. So yeah. Sorry. I can't ask all the questions, and I'll get that answered. Yep. Yeah. So yeah. So there's I mean, all the fees are are written on the on, like, the final page. It basically outlines all the bits and pieces to do with what advice we're basically giving you and where everything kind of fits as a total for an initial, and then there's also the the total for, like, annual, so ongoing advice. So, obviously, if you don't wanna have an ongoing adviser helping you out, then we don't have to enter into ongoing advice as I think we sort of talked about that. But, otherwise, what we would realistically do is that sort of $4.09 50 would be or $5 would be the cost for us to transfer everything over, set up your funds, make sure that the investments were going, get those final paperwork in place, get the beneficiary forms happening, look after everything in the transfer and and take care of everything for you. And then, yeah, if you want ongoing advice, so as we talked about, you know, as we sell the the the cars, putting money in, sheltering the money away, everything like that, doing the application forms for our Centrelink applications when we get that far. That's all part of the, like, annual ongoing cost, which is sort of break broken down there as well, which is about 1.65% of the balance. I I'm on the road. I literally walked out of a client meeting, walked past Michelle, who you were on the phone to earlier, and she was like, can you call Peter? I was like, 100%. I'll do it from the road. I jumped on the phone call to another client, and then I I walked out. So I'm I'm on the road right now. So I don't have the figures in front of me, but, yeah, that's that's that's sort of what it would be. Mhmm. So we charge it monthly. Like, it's prorated per month. So you you're able to basically turn around and go, hey. Look. You know, you've done everything that I need you to do. So say we get to, you know, you're retiring and we set up your pension your, you know, your pension and all the rest of the stuff, and you turn around and go, cool. You've done everything I I need you to do. I'm happy and comfortable with where everything fits. I wanna dissolve the relationship. I'll go I'll give you a handshake, a pat on the back, and I'll say good luck with everything. Give me a call if you run to any issues or you need any more advice. And it it's it's no problem. Like, I'm I'm happy to you know? Sometimes relationships I build over years. Like, you know, I have I have clients that I first met a decade ago that are that have followed me from different firms that I still have as clients, and I've helped them through different life stages, you know, buying, building, having kids, all the rest of it. And then I do have clients that do just pop in and pop out. They might come and see me once every couple of years to just have a bit of a touch base. Hey. I just wanna see what's happening. Little bit of advice here and there. And then I do have you know? And I have clients that are with me to use. So it it's just it's independent of each. But, essentially, if you want ongoing advice, and it gives you access to me at any point, you know, I I'll give you a call generally within a week or a few days of you needing a, you know, needing a meeting. But it gives you access to me and my team at at any point in time. Yeah. Yeah. Yeah. So, realistically, what I'd probably recommend with you at a minimum is that we basically engage in, like, a a relationship for twelve months minimum. So that way in that twelve months, I'm able to help you with your applications. Like, I can come and sit at your house one afternoon, or you can come into the office, either way you're comfortable, and we can go through the pension applications together, and and and and I can do that. We can, you know, get everything done and and and set up for you. And then once it's all set up, you can you know, at the end of the twelve months type of thing or once it's set up, you can turn around and go thank you and, you know, hey. I'll touch base with you every couple of years, and I'll pay up, you know, one off advice fee every couple of years to do this, this, and this. And you don't have to have me as an ongoing relationship, you know, where I contact you every three months minimum and see how you're going. It could just be you know, I have you in my book to basically call once every two years to say, hey. Do you want any advice? What's happened changed? Or you call me and say, hey. Unfortunately, dad passed away. I have this, this, and this that I now need to take in. And we can and we can you know, new advice. I'd you know? And we'd go from there. Yeah. Yeah. Yeah. The sooner you sell it, the better it is for you. But at the same time, I know that sometimes uploading your specialty cars to the right person at the right price can be a timely thing. You know, we're not I was gonna say, we're not just getting rid of a, you know, 2,000 Corolla. Yeah. Correct. Yeah. So, like, it can come out of your back pocket if you want it to. But generally speaking, we just we take it out of the super fund because it's a lot easier on you, you know, cash flow wise, not needing to come up with the money. Is that all the questions you had? Or yeah. Yeah. Yeah. The the twelve months will start from the super like, when we change the super over, we will we'll be it like, we'll call you every three months. Like, after everything's set up, we'll call you every three months. So the setup will take you know, my team will be on the phone to you, and they'll go through the applications, and they'll submit everything. And you'll get a few phone calls over the next couple of weeks once you sign to actually, you know, implement everything. And and then once it's all implemented, we'll basically touch base with you every three months just to, hey. How are you going? How's everything going? Do you have any questions, advice, needs, or anything like that? And then at the twelve months, we basically schedule you in for your like, if we it's like an annual review. So, like, you know, we on the annum, we sort of give you a call and and schedule and and and go through where you're at, touch base with everything. But, realistically, for you if you're looking to retire soonish, we may even need to do, like, an advice piece, you know, depending on what you decide when you retire, whether it's December. And, like, because we're in April now or nearly in May, but you know, my team will be in touch with you, like, sort of July, August, like, July, early August, and then, you know, again, sort of, like, November. And by, you know, August and November, you'll probably have a pretty good idea as to what you're doing. And if you're retiring come December, then, you know, they'll schedule you in, and I'll, you know, be on the phone to you pretty pretty immediately to dot the i's, cross the t's, so to speak, get everything happening and implemented. If you turn around to, you know, my team is saying, no. I'm not doing it until I've decided April or I've decided June or May or whatever the case may be, then yeah. And we'll just touch base. If you want me to, you know, call you every month, I can do that too, but most people get sick and tired of hearing my voice. No. It it can. Remind remind me when your birthday is. April 3. Cool. You can do applications for Age Pension ninety days before age. So you can submit so you basically, we could sit down, you know, say February. It'll be early January, but January is kind of a bit of a messy month because of holidays. But let's just say we sit down, like, January, early February. We could sit down then and do applications for pension, and they would start the assessment for it. The earlier you get it in, the better because, realistically, pension assessment does take its time. The frustrating part is is that until you retire and submit, like, the final declaration of I have retired, they won't finalize your application. But you can have it in there as pending. You'll have a case manager. They'll start the assessment. They'll just want the confirmation of the date you finish work, and then they can finalize the payments. With respect to the Superfund pension, because there's two pensions. There's the age pension from Central Bank, and then there's, like, Superfund pension payment. That payment cannot start until well, that account can't even be set up until you declare you're retired. But by that point, I'll have a date, and we can I could pre do the application knowing what date you're finishing? We can pre sign off on everything. It's just I can't submit the paperwork until basically the day you retire or the day after you retire. But every everything can happen. I can make everything happen pretty quickly because it'll all happen in species within the account. So it just it shifts over one day, and it's there. I can I can make it pretty fluid through? It's just a matter of if you're expecting to retire and then getting a get a payment, I need to realign your expectations because it's definitely not gonna happen. But you can definitely have a payment within a week or two. That's still that that can definitely still happen. You basically just let me know, and I can make it the withdrawal happen. So, like, don't what I I guess let me let me phrase it. If you if you're ready to go and start looking at a boat, I would love it if you could tell me, hey. I'm starting to look. I reckon I could have a boat secured within two weeks. And if I could have that two weeks, that would be great. Because I would need I need I need to add your bank details to your account, and that takes three days, and that is out of my control. Yep. Easy. Yeah. I I had written down 12 in my notes as as sort of what we had to start there. Yeah. No. That's that's that's absolutely fine. And what and, you know, again, like, my team will be in contact with you July ish. So I'll just make sure that we definitely are calling you July, not August. So that way, when they call you, you can say, hey. It is blah amount that I need to withdraw. Larissa's aware. Get her to call me. And I can just call you because I can do the steps that I need to to withdraw the money to do the thing. There is. Would you like because what you can do is you can keep that paperwork if you want, and I can just send you the the same document, and you can electronically sign them if you're comfortable to do that. Otherwise, you can definitely go through all of the documents and sign, but it's I don't it's not all of them. There's still a couple others to sign, like the application forms and stuff like that. I don't I actually can't remember what I dropped off to you now. It'd be in my notes as to why I printed out, but I can't drive in computer. I I actually have a feeling now that I think about it that I may have printed everything. Yeah. There was. Wasn't there? There's a lot. Yeah. On your phone. No. It's okay. Well, we can do one of two options. I'm on the m one heading to Olmo. So if you are amenable to a visit, I can always pop over and we can find them, and I can show you where to find. And then I can take the documents with you. I'll scan them in, and then I can email you tomorrow a copy of the signed documents. That way you have a copy. Or if you want, I can take a copy and then drop off a signed version of them, you know, post them to you type of thing. Or if you would like, I can leave you to your own devices to attempt to sign them. Or you you'll be able to electronically sign them on your phone. It's just it's a bit of a pain because of the size of the screen versus the document, but it's not impossible to do. It's just painful from a viewing point of view for you, not for me. It'll come through fine for me. But I'm I'm happy to pop in and and come and help you sign them tonight or at night during the week. It's I've I've done, like, two seventy hour weeks, so I decided I would try and leave work at a reasonable time and actually go home and see my family tonight. Not that I got out at 04:00 like I was I was planning, but I got out before five. That was impressive. I'm I can be yours any night you want. I'm pretty sure my my calendar is actually pretty free this week. Not a thing to do, but I don't have anything scheduled. I'm on my own dime. So what night works for you? Perfect. Wednesday night it is. Five, 05:30. 05:36 it is. Yeah. Yeah. No. I I get it. Yes. Oh, that's impressive. And in the right. Very impressive. No. Correct. It doesn't worry to hear you, but it's every other person that can't drive. Oh, perfect. We're in Southport. Yeah. So south yeah. So Southport. Yeah. And then I live in almost I think I'm oh, no. There's there's a couple other staff members that are both north and north. But yeah. Well, my husband's in Brisbane. I'm in Southport, so it's perfectly halfway between the two. And like I said, I've been I've been in all my for thirty years, so I think I could win. Oof. Yeah. No. Got in in '94. Sorry. One year shorter than you. Perfect. I will I'm 90% I'm 95% sure, but I'll check before I come Wednesday that everything that needs to be signed is with you. So what I'll do is I'll I'll we'll just sign the documents that you have in front of you, and then I will take them to work. I'll scan them and, obviously, save them on your file and submit everything you may need to submit. And and then I'll I'll I will email you a copy of the signed documents, and I'll also print out a copy of the the statement of advice, and I'll post it to you again. And by post, I mean, I'll drop it into your letterbox because I literally have to drive past the house. Perfect. I will see you Wednesday. Perfect. Alright, Peter. You have a good evening. 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Vida. How are you going? That's good. I tried to give you a call. What day was that?\n\nThursday last week. No. That's okay. Yeah. I tried to give you a call.\n\nIt didn't I couldn't get you when I had it in my calendar. I was gonna give you a call Tuesday to Wednesday. I've better remind for myself. How is how is your trip? Have fun with the family?\n\nIt didn't get raining down. Anything Yes. Yeah. Yep. So yeah.\n\nSorry. I can't ask all the questions, and I'll get that answered. Yep. Yeah. So yeah.\n\nSo there's I mean, all the fees are are written on the on, like, the final page. It basically outlines all the bits and pieces to do with what advice we're basically giving you and where everything kind of fits as a total for an initial, and then there's also the the total for, like, annual, so ongoing advice. So, obviously, if you don't wanna have an ongoing adviser helping you out, then we don't have to enter into ongoing advice as I think we sort of talked about that. But, otherwise, what we would realistically do is that sort of $4.09 50 would be or $5 would be the cost for us to transfer everything over, set up your funds, make sure that the investments were going, get those final paperwork in place, get the beneficiary forms happening, look after everything in the transfer and and take care of everything for you. And then, yeah, if you want ongoing advice, so as we talked about, you know, as we sell the the the cars, putting money in, sheltering the money away, everything like that, doing the application forms for our Centrelink applications when we get that far.\n\nThat's all part of the, like, annual ongoing cost, which is sort of break broken down there as well, which is about 1.65% of the balance. I I'm on the road. I literally walked out of a client meeting, walked past Michelle, who you were on the phone to earlier, and she was like, can you call Peter? I was like, 100%. I'll do it from the road.\n\nI jumped on the phone call to another client, and then I I walked out. So I'm I'm on the road right now. So I don't have the figures in front of me, but, yeah, that's that's that's sort of what it would be. Mhmm. So we charge it monthly.\n\nLike, it's prorated per month. So you you're able to basically turn around and go, hey. Look. You know, you've done everything that I need you to do. So say we get to, you know, you're retiring and we set up your pension your, you know, your pension and all the rest of the stuff, and you turn around and go, cool.\n\nYou've done everything I I need you to do. I'm happy and comfortable with where everything fits. I wanna dissolve the relationship. I'll go I'll give you a handshake, a pat on the back, and I'll say good luck with everything. Give me a call if you run to any issues or you need any more advice.\n\nAnd it it's it's no problem. Like, I'm I'm happy to you know? Sometimes relationships I build over years. Like, you know, I have I have clients that I first met a decade ago that are that have followed me from different firms that I still have as clients, and I've helped them through different life stages, you know, buying, building, having kids, all the rest of it. And then I do have clients that do just pop in and pop out.\n\nThey might come and see me once every couple of years to just have a bit of a touch base. Hey. I just wanna see what's happening. Little bit of advice here and there. And then I do have you know?\n\nAnd I have clients that are with me to use. So it it's just it's independent of each. But, essentially, if you want ongoing advice, and it gives you access to me at any point, you know, I I'll give you a call generally within a week or a few days of you needing a, you know, needing a meeting. But it gives you access to me and my team at at any point in time. Yeah.\n\nYeah. Yeah. So, realistically, what I'd probably recommend with you at a minimum is that we basically engage in, like, a a relationship for twelve months minimum. So that way in that twelve months, I'm able to help you with your applications. Like, I can come and sit at your house one afternoon, or you can come into the office, either way you're comfortable, and we can go through the pension applications together, and and and and I can do that.\n\nWe can, you know, get everything done and and and set up for you. And then once it's all set up, you can you know, at the end of the twelve months type of thing or once it's set up, you can turn around and go thank you and, you know, hey. I'll touch base with you every couple of years, and I'll pay up, you know, one off advice fee every couple of years to do this, this, and this. And you don't have to have me as an ongoing relationship, you know, where I contact you every three months minimum and see how you're going. It could just be you know, I have you in my book to basically call once every two years to say, hey.\n\nDo you want any advice? What's happened changed? Or you call me and say, hey. Unfortunately, dad passed away. I have this, this, and this that I now need to take in.\n\nAnd we can and we can you know, new advice. I'd you know? And we'd go from there. Yeah. Yeah.\n\nYeah. The sooner you sell it, the better it is for you. But at the same time, I know that sometimes uploading your specialty cars to the right person at the right price can be a timely thing. You know, we're not I was gonna say, we're not just getting rid of a, you know, 2,000 Corolla. Yeah.\n\nCorrect. Yeah. So, like, it can come out of your back pocket if you want it to. But generally speaking, we just we take it out of the super fund because it's a lot easier on you, you know, cash flow wise, not needing to come up with the money. Is that all the questions you had?\n\nOr yeah. Yeah. Yeah. The the twelve months will start from the super like, when we change the super over, we will we'll be it like, we'll call you every three months. Like, after everything's set up, we'll call you every three months.\n\nSo the setup will take you know, my team will be on the phone to you, and they'll go through the applications, and they'll submit everything. And you'll get a few phone calls over the next couple of weeks once you sign to actually, you know, implement everything. And and then once it's all implemented, we'll basically touch base with you every three months just to, hey. How are you going? How's everything going?\n\nDo you have any questions, advice, needs, or anything like that? And then at the twelve months, we basically schedule you in for your like, if we it's like an annual review. So, like, you know, we on the annum, we sort of give you a call and and schedule and and and go through where you're at, touch base with everything. But, realistically, for you if you're looking to retire soonish, we may even need to do, like, an advice piece, you know, depending on what you decide when you retire, whether it's December. And, like, because we're in April now or nearly in May, but you know, my team will be in touch with you, like, sort of July, August, like, July, early August, and then, you know, again, sort of, like, November.\n\nAnd by, you know, August and November, you'll probably have a pretty good idea as to what you're doing. And if you're retiring come December, then, you know, they'll schedule you in, and I'll, you know, be on the phone to you pretty pretty immediately to dot the i's, cross the t's, so to speak, get everything happening and implemented. If you turn around to, you know, my team is saying, no. I'm not doing it until I've decided April or I've decided June or May or whatever the case may be, then yeah. And we'll just touch base.\n\nIf you want me to, you know, call you every month, I can do that too, but most people get sick and tired of hearing my voice. No. It it can. Remind remind me when your birthday is. April 3.\n\nCool. You can do applications for Age Pension ninety days before age. So you can submit so you basically, we could sit down, you know, say February. It'll be early January, but January is kind of a bit of a messy month because of holidays. But let's just say we sit down, like, January, early February.\n\nWe could sit down then and do applications for pension, and they would start the assessment for it. The earlier you get it in, the better because, realistically, pension assessment does take its time. The frustrating part is is that until you retire and submit, like, the final declaration of I have retired, they won't finalize your application. But you can have it in there as pending. You'll have a case manager.\n\nThey'll start the assessment. They'll just want the confirmation of the date you finish work, and then they can finalize the payments. With respect to the Superfund pension, because there's two pensions. There's the age pension from Central Bank, and then there's, like, Superfund pension payment. That payment cannot start until well, that account can't even be set up until you declare you're retired.\n\nBut by that point, I'll have a date, and we can I could pre do the application knowing what date you're finishing? We can pre sign off on everything. It's just I can't submit the paperwork until basically the day you retire or the day after you retire. But every everything can happen. I can make everything happen pretty quickly because it'll all happen in species within the account.\n\nSo it just it shifts over one day, and it's there. I can I can make it pretty fluid through? It's just a matter of if you're expecting to retire and then getting a get a payment, I need to realign your expectations because it's definitely not gonna happen. But you can definitely have a payment within a week or two. That's still that that can definitely still happen.\n\nYou basically just let me know, and I can make it the withdrawal happen. So, like, don't what I I guess let me let me phrase it. If you if you're ready to go and start looking at a boat, I would love it if you could tell me, hey. I'm starting to look. I reckon I could have a boat secured within two weeks.\n\nAnd if I could have that two weeks, that would be great. Because I would need I need I need to add your bank details to your account, and that takes three days, and that is out of my control. Yep. Easy. Yeah.\n\nI I had written down 12 in my notes as as sort of what we had to start there. Yeah. No. That's that's that's absolutely fine. And what and, you know, again, like, my team will be in contact with you July ish.\n\nSo I'll just make sure that we definitely are calling you July, not August. So that way, when they call you, you can say, hey. It is blah amount that I need to withdraw. Larissa's aware. Get her to call me.\n\nAnd I can just call you because I can do the steps that I need to to withdraw the money to do the thing. There is. Would you like because what you can do is you can keep that paperwork if you want, and I can just send you the the same document, and you can electronically sign them if you're comfortable to do that. Otherwise, you can definitely go through all of the documents and sign, but it's I don't it's not all of them. There's still a couple others to sign, like the application forms and stuff like that.\n\nI don't I actually can't remember what I dropped off to you now. It'd be in my notes as to why I printed out, but I can't drive in computer. I I actually have a feeling now that I think about it that I may have printed everything. Yeah. There was.\n\nWasn't there? There's a lot. Yeah. On your phone. No.\n\nIt's okay. Well, we can do one of two options. I'm on the m one heading to Olmo. So if you are amenable to a visit, I can always pop over and we can find them, and I can show you where to find. And then I can take the documents with you.\n\nI'll scan them in, and then I can email you tomorrow a copy of the signed documents. That way you have a copy. Or if you want, I can take a copy and then drop off a signed version of them, you know, post them to you type of thing. Or if you would like, I can leave you to your own devices to attempt to sign them. Or you you'll be able to electronically sign them on your phone.\n\nIt's just it's a bit of a pain because of the size of the screen versus the document, but it's not impossible to do. It's just painful from a viewing point of view for you, not for me. It'll come through fine for me. But I'm I'm happy to pop in and and come and help you sign them tonight or at night during the week. It's I've I've done, like, two seventy hour weeks, so I decided I would try and leave work at a reasonable time and actually go home and see my family tonight.\n\nNot that I got out at 04:00 like I was I was planning, but I got out before five. That was impressive. I'm I can be yours any night you want. I'm pretty sure my my calendar is actually pretty free this week. Not a thing to do, but I don't have anything scheduled.\n\nI'm on my own dime. So what night works for you? Perfect. Wednesday night it is. Five, 05:30.\n\n05:36 it is. Yeah. Yeah. No. I I get it.\n\nYes. Oh, that's impressive. And in the right. Very impressive. No.\n\nCorrect. It doesn't worry to hear you, but it's every other person that can't drive. Oh, perfect. We're in Southport. Yeah.\n\nSo south yeah. So Southport. Yeah. And then I live in almost I think I'm oh, no. There's there's a couple other staff members that are both north and north.\n\nBut yeah. Well, my husband's in Brisbane. I'm in Southport, so it's perfectly halfway between the two. And like I said, I've been I've been in all my for thirty years, so I think I could win. Oof.\n\nYeah. No. Got in in '94. Sorry. One year shorter than you.\n\nPerfect. I will I'm 90% I'm 95% sure, but I'll check before I come Wednesday that everything that needs to be signed is with you. So what I'll do is I'll I'll we'll just sign the documents that you have in front of you, and then I will take them to work. I'll scan them and, obviously, save them on your file and submit everything you may need to submit. And and then I'll I'll I will email you a copy of the signed documents, and I'll also print out a copy of the the statement of advice, and I'll post it to you again.\n\nAnd by post, I mean, I'll drop it into your letterbox because I literally have to drive past the house. Perfect. I will see you Wednesday. Perfect. Alright, Peter.\n\nYou have a good evening. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Vida.","start":3.76,"end":4.4,"sentiment":"neutral","sentiment_score":0.1708901897072792},{"text":"How are you going?","start":4.4,"end":5.38,"sentiment":"neutral","sentiment_score":0.28929387778043747},{"text":"That's good.","start":8.0,"end":8.9,"sentiment":"positive","sentiment_score":0.6628475785255432},{"text":"I tried to give you a call.","start":13.615,"end":15.235001,"sentiment":"neutral","sentiment_score":0.005896217322775296},{"text":"What day was that?","start":16.255001,"end":17.315,"sentiment":"neutral","sentiment_score":-0.006359526189044118}],"sentiment":"neutral","sentiment_score":0.14949928758371817,"num_words":19,"start":3.76,"end":17.315},{"sentences":[{"text":"Thursday last week.","start":18.655,"end":20.115,"sentiment":"neutral","sentiment_score":-0.010575850028544664},{"text":"No.","start":24.48,"end":24.72,"sentiment":"neutral","sentiment_score":-0.14381113648414612},{"text":"That's okay.","start":24.72,"end":25.44,"sentiment":"neutral","sentiment_score":-0.04049068130552769},{"text":"Yeah.","start":25.44,"end":25.68,"sentiment":"neutral","sentiment_score":0.0020256973803043365},{"text":"I tried to give you a call.","start":25.68,"end":26.72,"sentiment":"neutral","sentiment_score":-0.014502981810697488}],"sentiment":"neutral","sentiment_score":-0.025429658891100968,"num_words":14,"start":18.655,"end":26.72},{"sentences":[{"text":"It didn't I couldn't get you when I had it in my calendar.","start":26.72,"end":30.96,"sentiment":"neutral","sentiment_score":-0.05376665752667647},{"text":"I was gonna give you a call Tuesday to Wednesday.","start":30.96,"end":33.7,"sentiment":"neutral","sentiment_score":0.007187733985483646},{"text":"I've better remind for myself.","start":33.84,"end":35.3,"sentiment":"neutral","sentiment_score":-0.0031580017879605294},{"text":"How is how is your trip?","start":37.475002,"end":40.935,"sentiment":"neutral","sentiment_score":0.22195513546466827},{"text":"Have fun with the family?","start":47.955,"end":49.255,"sentiment":"positive","sentiment_score":0.3645435571670532}],"sentiment":"neutral","sentiment_score":0.06439921491516706,"num_words":39,"start":26.72,"end":49.255},{"sentences":[{"text":"It didn't get raining down.","start":69.915,"end":71.035,"sentiment":"neutral","sentiment_score":0.03931035548448562},{"text":"Anything Yes.","start":71.035,"end":88.925,"sentiment":"neutral","sentiment_score":-0.0032787546515464783},{"text":"Yeah.","start":95.065,"end":95.565,"sentiment":"neutral","sentiment_score":-0.030657920986413956},{"text":"Yep.","start":128.24,"end":128.74,"sentiment":"neutral","sentiment_score":-0.032295823097229004},{"text":"So yeah.","start":131.28,"end":132.24,"sentiment":"neutral","sentiment_score":-0.04621807858347893}],"sentiment":"neutral","sentiment_score":0.0031458515335213055,"num_words":11,"start":69.915,"end":132.24},{"sentences":[{"text":"Sorry.","start":132.24,"end":132.4,"sentiment":"neutral","sentiment_score":-0.14560939371585846},{"text":"I can't ask all the questions, and I'll get that answered.","start":132.4,"end":134.98001,"sentiment":"neutral","sentiment_score":-0.11467584832148119},{"text":"Yep.","start":156.35,"end":156.75,"sentiment":"neutral","sentiment_score":-0.011959565803408624},{"text":"Yeah.","start":156.75,"end":157.07,"sentiment":"neutral","sentiment_score":-0.00017736293375492096},{"text":"So yeah.","start":157.07,"end":158.19,"sentiment":"neutral","sentiment_score":-0.006320639047771692}],"sentiment":"neutral","sentiment_score":-0.08948887075530365,"num_words":16,"start":132.24,"end":158.19},{"sentences":[{"text":"So there's I mean, all the fees are are written on the on, like, the final page.","start":158.19,"end":164.99,"sentiment":"neutral","sentiment_score":-0.006671942386995344},{"text":"It basically outlines all the bits and pieces to do with what advice we're basically giving you and where everything kind of fits as a total for an initial, and then there's also the the total for, like, annual, so ongoing advice.","start":164.99,"end":181.355,"sentiment":"neutral","sentiment_score":0.22300040189708983},{"text":"So, obviously, if you don't wanna have an ongoing adviser helping you out, then we don't have to enter into ongoing advice as I think we sort of talked about that.","start":181.355,"end":190.42,"sentiment":"neutral","sentiment_score":0.06042708708874641},{"text":"But, otherwise, what we would realistically do is that sort of $4.09 50 would be or $5 would be the cost for us to transfer everything over, set up your funds, make sure that the investments were going, get those final paperwork in place, get the beneficiary forms happening, look after everything in the transfer and and take care of everything for you.","start":190.88,"end":216.11,"sentiment":"positive","sentiment_score":0.33980550723416464},{"text":"And then, yeah, if you want ongoing advice, so as we talked about, you know, as we sell the the the cars, putting money in, sheltering the money away, everything like that, doing the application forms for our Centrelink applications when we get that far.","start":216.57,"end":233.785,"sentiment":"neutral","sentiment_score":0.1394848951862918}],"sentiment":"neutral","sentiment_score":0.19601212524235098,"num_words":198,"start":158.19,"end":233.785},{"sentences":[{"text":"That's all part of the, like, annual ongoing cost, which is sort of break broken down there as well, which is about 1.65% of the balance.","start":234.325,"end":242.08499,"sentiment":"neutral","sentiment_score":0.022125744475768164},{"text":"I I'm on the road.","start":242.08499,"end":243.8,"sentiment":"neutral","sentiment_score":0.0756654642522335},{"text":"I literally walked out of a client meeting, walked past Michelle, who you were on the phone to earlier, and she was like, can you call Peter?","start":243.8,"end":249.4,"sentiment":"neutral","sentiment_score":0.09589448998923655},{"text":"I was like, 100%.","start":249.4,"end":250.6,"sentiment":"neutral","sentiment_score":0.12451568432152271},{"text":"I'll do it from the road.","start":250.6,"end":251.90001,"sentiment":"neutral","sentiment_score":0.16196850935618082}],"sentiment":"neutral","sentiment_score":0.07371502501123092,"num_words":68,"start":234.325,"end":251.90001},{"sentences":[{"text":"I jumped on the phone call to another client, and then I I walked out.","start":251.96,"end":255.48001,"sentiment":"neutral","sentiment_score":0.0438186081747214},{"text":"So I'm I'm on the road right now.","start":255.48001,"end":257.18,"sentiment":"neutral","sentiment_score":0.09932021051645279},{"text":"So I don't have the figures in front of me, but, yeah, that's that's that's sort of what it would be.","start":258.295,"end":265.515,"sentiment":"neutral","sentiment_score":-0.11149005591869354},{"text":"Mhmm.","start":265.575,"end":266.075,"sentiment":"neutral","sentiment_score":-0.019235149025917053},{"text":"So we charge it monthly.","start":272.79,"end":274.63,"sentiment":"neutral","sentiment_score":0.08682412058115005}],"sentiment":"neutral","sentiment_score":-0.009491298273205757,"num_words":50,"start":251.96,"end":274.63},{"sentences":[{"text":"Like, it's prorated per month.","start":274.63,"end":276.15,"sentiment":"neutral","sentiment_score":0.10906731933355332},{"text":"So you you're able to basically turn around and go, hey.","start":276.15,"end":278.71,"sentiment":"neutral","sentiment_score":0.2283135788007216},{"text":"Look.","start":278.71,"end":279.21,"sentiment":"neutral","sentiment_score":0.288615345954895},{"text":"You know, you've done everything that I need you to do.","start":279.66998,"end":281.83,"sentiment":"neutral","sentiment_score":0.3052712326700037},{"text":"So say we get to, you know, you're retiring and we set up your pension your, you know, your pension and all the rest of the stuff, and you turn around and go, cool.","start":281.83,"end":288.955,"sentiment":"neutral","sentiment_score":0.2530299477717456}],"sentiment":"neutral","sentiment_score":0.24687746924258047,"num_words":62,"start":274.63,"end":288.955},{"sentences":[{"text":"You've done everything I I need you to do.","start":288.955,"end":290.715,"sentiment":"positive","sentiment_score":0.6761939393149482},{"text":"I'm happy and comfortable with where everything fits.","start":290.715,"end":293.055,"sentiment":"positive","sentiment_score":0.7116919010877609},{"text":"I wanna dissolve the relationship.","start":293.35498,"end":295.615,"sentiment":"neutral","sentiment_score":0.18517466485500336},{"text":"I'll go I'll give you a handshake, a pat on the back, and I'll say good luck with everything.","start":296.155,"end":300.61,"sentiment":"positive","sentiment_score":0.48753766480245087},{"text":"Give me a call if you run to any issues or you need any more advice.","start":300.61,"end":304.47,"sentiment":"neutral","sentiment_score":0.24205143470317125}],"sentiment":"positive","sentiment_score":0.45335425567208676,"num_words":57,"start":288.955,"end":304.47},{"sentences":[{"text":"And it it's it's no problem.","start":305.01,"end":307.19,"sentiment":"positive","sentiment_score":0.48759445548057556},{"text":"Like, I'm I'm happy to you know?","start":307.25,"end":309.19,"sentiment":"positive","sentiment_score":0.5873865527766091},{"text":"Sometimes relationships I build over years.","start":310.05,"end":312.21,"sentiment":"neutral","sentiment_score":0.30951231718063354},{"text":"Like, you know, I have I have clients that I first met a decade ago that are that have followed me from different firms that I still have as clients, and I've helped them through different life stages, you know, buying, building, having kids, all the rest of it.","start":312.21,"end":325.64502,"sentiment":"neutral","sentiment_score":0.2693869775655318},{"text":"And then I do have clients that do just pop in and pop out.","start":325.785,"end":328.42502,"sentiment":"neutral","sentiment_score":0.24112927062170847}],"sentiment":"neutral","sentiment_score":0.31061119749778654,"num_words":82,"start":305.01,"end":328.42502},{"sentences":[{"text":"They might come and see me once every couple of years to just have a bit of a touch base.","start":328.42502,"end":333.65,"sentiment":"neutral","sentiment_score":0.21503328010439873},{"text":"Hey.","start":333.87,"end":334.11002,"sentiment":"neutral","sentiment_score":0.13910263776779175},{"text":"I just wanna see what's happening.","start":334.11002,"end":335.57,"sentiment":"neutral","sentiment_score":0.10468947763244311},{"text":"Little bit of advice here and there.","start":335.79,"end":337.49002,"sentiment":"neutral","sentiment_score":0.09404708445072174},{"text":"And then I do have you know?","start":338.43,"end":339.55002,"sentiment":"neutral","sentiment_score":0.09873180091381073}],"sentiment":"neutral","sentiment_score":0.15652090983419883,"num_words":41,"start":328.42502,"end":339.55002},{"sentences":[{"text":"And I have clients that are with me to use.","start":339.55002,"end":342.11002,"sentiment":"neutral","sentiment_score":0.14249926209449768},{"text":"So it it's just it's independent of each.","start":342.11002,"end":344.53,"sentiment":"neutral","sentiment_score":0.14448965806514025},{"text":"But, essentially, if you want ongoing advice, and it gives you access to me at any point, you know, I I'll give you a call generally within a week or a few days of you needing a, you know, needing a meeting.","start":346.155,"end":356.73502,"sentiment":"neutral","sentiment_score":0.19848307683354333},{"text":"But it gives you access to me and my team at at any point in time.","start":357.195,"end":361.17,"sentiment":"neutral","sentiment_score":0.2767548030242324},{"text":"Yeah.","start":376.565,"end":377.065,"sentiment":"neutral","sentiment_score":0.3041893541812897}],"sentiment":"neutral","sentiment_score":0.20323980928628477,"num_words":77,"start":339.55002,"end":377.065},{"sentences":[{"text":"Yeah.","start":381.365,"end":381.865,"sentiment":"neutral","sentiment_score":0.11693212389945984},{"text":"Yeah.","start":391.16,"end":391.66,"sentiment":"neutral","sentiment_score":-0.02409311756491661},{"text":"So, realistically, what I'd probably recommend with you at a minimum is that we basically engage in, like, a a relationship for twelve months minimum.","start":409.9,"end":418.0,"sentiment":"neutral","sentiment_score":0.19734685018658638},{"text":"So that way in that twelve months, I'm able to help you with your applications.","start":418.69998,"end":423.435,"sentiment":"positive","sentiment_score":0.5180708825588226},{"text":"Like, I can come and sit at your house one afternoon, or you can come into the office, either way you're comfortable, and we can go through the pension applications together, and and and and I can do that.","start":423.435,"end":436.21,"sentiment":"positive","sentiment_score":0.42886346998887187}],"sentiment":"positive","sentiment_score":0.3644845534437968,"num_words":81,"start":381.365,"end":436.21},{"sentences":[{"text":"We can, you know, get everything done and and and set up for you.","start":436.21,"end":439.75,"sentiment":"positive","sentiment_score":0.6236083337238857},{"text":"And then once it's all set up, you can you know, at the end of the twelve months type of thing or once it's set up, you can turn around and go thank you and, you know, hey.","start":440.05,"end":447.255,"sentiment":"positive","sentiment_score":0.47352895062220723},{"text":"I'll touch base with you every couple of years, and I'll pay up, you know, one off advice fee every couple of years to do this, this, and this.","start":447.255,"end":454.395,"sentiment":"positive","sentiment_score":0.4710536599159241},{"text":"And you don't have to have me as an ongoing relationship, you know, where I contact you every three months minimum and see how you're going.","start":454.615,"end":462.73,"sentiment":"neutral","sentiment_score":0.2406593979551242},{"text":"It could just be you know, I have you in my book to basically call once every two years to say, hey.","start":463.91,"end":468.41,"sentiment":"neutral","sentiment_score":0.17329377071423965}],"sentiment":"positive","sentiment_score":0.39112232740997344,"num_words":129,"start":436.21,"end":468.41},{"sentences":[{"text":"Do you want any advice?","start":468.87003,"end":469.91,"sentiment":"neutral","sentiment_score":0.06937035918235779},{"text":"What's happened changed?","start":469.91,"end":472.31,"sentiment":"neutral","sentiment_score":-0.0048040482215583324},{"text":"Or you call me and say, hey.","start":472.31,"end":473.93002,"sentiment":"neutral","sentiment_score":-0.0930410868355206},{"text":"Unfortunately, dad passed away.","start":473.99002,"end":476.17,"sentiment":"negative","sentiment_score":-0.5244929119944572},{"text":"I have this, this, and this that I now need to take in.","start":476.655,"end":479.29498,"sentiment":"neutral","sentiment_score":-0.29049340005104357}],"sentiment":"neutral","sentiment_score":-0.19353855641384143,"num_words":32,"start":468.87003,"end":479.29498},{"sentences":[{"text":"And we can and we can you know, new advice.","start":479.29498,"end":483.07498,"sentiment":"neutral","sentiment_score":-0.11744373068213462},{"text":"I'd you know?","start":483.13498,"end":484.03497,"sentiment":"neutral","sentiment_score":-0.07960759103298187},{"text":"And we'd go from there.","start":484.335,"end":485.555,"sentiment":"neutral","sentiment_score":-0.0874417781829834},{"text":"Yeah.","start":494.33,"end":494.83,"sentiment":"neutral","sentiment_score":-0.11702613532543182},{"text":"Yeah.","start":505.465,"end":505.965,"sentiment":"negative","sentiment_score":-0.3473679721355438}],"sentiment":"neutral","sentiment_score":-0.11574315391480923,"num_words":20,"start":479.29498,"end":505.965},{"sentences":[{"text":"Yeah.","start":523.63995,"end":524.13995,"sentiment":"neutral","sentiment_score":-0.08553618937730789},{"text":"The sooner you sell it, the better it is for you.","start":546.92,"end":549.63995,"sentiment":"neutral","sentiment_score":0.2705261402509429},{"text":"But at the same time, I know that sometimes uploading your specialty cars to the right person at the right price can be a timely thing.","start":549.63995,"end":559.295,"sentiment":"neutral","sentiment_score":0.21623890875623777},{"text":"You know, we're not I was gonna say, we're not just getting rid of a, you know, 2,000 Corolla.","start":561.675,"end":568.575,"sentiment":"neutral","sentiment_score":-0.04180431307146424},{"text":"Yeah.","start":586.355,"end":586.855,"sentiment":"neutral","sentiment_score":-0.0006695427000522614}],"sentiment":"neutral","sentiment_score":0.1330605429308168,"num_words":58,"start":523.63995,"end":586.855},{"sentences":[{"text":"Correct.","start":602.85004,"end":603.33,"sentiment":"neutral","sentiment_score":0.1211949586868286},{"text":"Yeah.","start":603.33,"end":603.73004,"sentiment":"neutral","sentiment_score":0.1322309374809265},{"text":"So, like, it can come out of your back pocket if you want it to.","start":603.73004,"end":606.95,"sentiment":"neutral","sentiment_score":0.1714701900879542},{"text":"But generally speaking, we just we take it out of the super fund because it's a lot easier on you, you know, cash flow wise, not needing to come up with the money.","start":608.05005,"end":620.845,"sentiment":"neutral","sentiment_score":0.1475599714075074},{"text":"Is that all the questions you had?","start":630.44995,"end":632.69,"sentiment":"neutral","sentiment_score":0.085500124043652}],"sentiment":"neutral","sentiment_score":0.14549927495158554,"num_words":57,"start":602.85004,"end":632.69},{"sentences":[{"text":"Or yeah.","start":632.69,"end":637.35,"sentiment":"neutral","sentiment_score":0.043224330991506583},{"text":"Yeah.","start":649.295,"end":649.795,"sentiment":"neutral","sentiment_score":0.050111111253499985},{"text":"Yeah.","start":656.67,"end":657.15,"sentiment":"neutral","sentiment_score":0.06908555328845978},{"text":"The the twelve months will start from the super like, when we change the super over, we will we'll be it like, we'll call you every three months.","start":657.15,"end":664.03,"sentiment":"neutral","sentiment_score":0.08454090310260653},{"text":"Like, after everything's set up, we'll call you every three months.","start":664.03,"end":666.27,"sentiment":"neutral","sentiment_score":0.11542331969196146}],"sentiment":"neutral","sentiment_score":0.08935923558161703,"num_words":43,"start":632.69,"end":666.27},{"sentences":[{"text":"So the setup will take you know, my team will be on the phone to you, and they'll go through the applications, and they'll submit everything.","start":666.27,"end":672.83496,"sentiment":"neutral","sentiment_score":0.20605933723541406},{"text":"And you'll get a few phone calls over the next couple of weeks once you sign to actually, you know, implement everything.","start":672.83496,"end":680.135,"sentiment":"neutral","sentiment_score":0.27290223742073233},{"text":"And and then once it's all implemented, we'll basically touch base with you every three months just to, hey.","start":680.195,"end":686.3,"sentiment":"positive","sentiment_score":0.37717417666786596},{"text":"How are you going?","start":686.3,"end":686.94,"sentiment":"positive","sentiment_score":0.4612673297524452},{"text":"How's everything going?","start":686.94,"end":687.98,"sentiment":"positive","sentiment_score":0.4301101863384247}],"sentiment":"neutral","sentiment_score":0.2927446111633971,"num_words":74,"start":666.27,"end":687.98},{"sentences":[{"text":"Do you have any questions, advice, needs, or anything like that?","start":687.98,"end":691.04,"sentiment":"neutral","sentiment_score":0.2741848271001469},{"text":"And then at the twelve months, we basically schedule you in for your like, if we it's like an annual review.","start":691.98,"end":698.39496,"sentiment":"neutral","sentiment_score":0.2914730885199138},{"text":"So, like, you know, we on the annum, we sort of give you a call and and schedule and and and go through where you're at, touch base with everything.","start":698.39496,"end":708.475,"sentiment":"neutral","sentiment_score":0.2600589046875636},{"text":"But, realistically, for you if you're looking to retire soonish, we may even need to do, like, an advice piece, you know, depending on what you decide when you retire, whether it's December.","start":708.475,"end":720.15,"sentiment":"neutral","sentiment_score":0.03430689092386852},{"text":"And, like, because we're in April now or nearly in May, but you know, my team will be in touch with you, like, sort of July, August, like, July, early August, and then, you know, again, sort of, like, November.","start":720.45,"end":740.95,"sentiment":"neutral","sentiment_score":0.08358537456952035}],"sentiment":"neutral","sentiment_score":0.1586242776364088,"num_words":135,"start":687.98,"end":740.95},{"sentences":[{"text":"And by, you know, August and November, you'll probably have a pretty good idea as to what you're doing.","start":741.89,"end":746.37006,"sentiment":"neutral","sentiment_score":0.20557081856225667},{"text":"And if you're retiring come December, then, you know, they'll schedule you in, and I'll, you know, be on the phone to you pretty pretty immediately to dot the i's, cross the t's, so to speak, get everything happening and implemented.","start":746.37006,"end":761.555,"sentiment":"neutral","sentiment_score":0.16635021512828221},{"text":"If you turn around to, you know, my team is saying, no.","start":761.77496,"end":763.935,"sentiment":"neutral","sentiment_score":-0.15982935080925623},{"text":"I'm not doing it until I've decided April or I've decided June or May or whatever the case may be, then yeah.","start":763.935,"end":769.89,"sentiment":"neutral","sentiment_score":-0.10828895189545372},{"text":"And we'll just touch base.","start":770.03,"end":771.71,"sentiment":"neutral","sentiment_score":0.07997381836175918}],"sentiment":"neutral","sentiment_score":0.06894711427616351,"num_words":99,"start":741.89,"end":771.71},{"sentences":[{"text":"If you want me to, you know, call you every month, I can do that too, but most people get sick and tired of hearing my voice.","start":771.71,"end":777.41003,"sentiment":"neutral","sentiment_score":-0.23155177757143974},{"text":"No.","start":804.98,"end":805.22003,"sentiment":"neutral","sentiment_score":-0.1899589002132416},{"text":"It it can.","start":805.22003,"end":806.12,"sentiment":"neutral","sentiment_score":-0.18015956381956735},{"text":"Remind remind me when your birthday is.","start":806.58,"end":809.08,"sentiment":"neutral","sentiment_score":0.01537405965583665},{"text":"April 3.","start":812.445,"end":813.085,"sentiment":"neutral","sentiment_score":0.051842477172613144}],"sentiment":"neutral","sentiment_score":-0.16927580535411835,"num_words":40,"start":771.71,"end":813.085},{"sentences":[{"text":"Cool.","start":813.085,"end":813.585,"sentiment":"neutral","sentiment_score":0.18685969710350037},{"text":"You can do applications for Age Pension ninety days before age.","start":814.605,"end":821.265,"sentiment":"neutral","sentiment_score":0.18065416948361832},{"text":"So you can submit so you basically, we could sit down, you know, say February.","start":823.23,"end":827.97,"sentiment":"neutral","sentiment_score":0.17743562857309977},{"text":"It'll be early January, but January is kind of a bit of a messy month because of holidays.","start":829.79,"end":834.27,"sentiment":"neutral","sentiment_score":-0.07544904078046481},{"text":"But let's just say we sit down, like, January, early February.","start":834.27,"end":836.565,"sentiment":"neutral","sentiment_score":0.11249891533093019}],"sentiment":"neutral","sentiment_score":0.08419634508235115,"num_words":56,"start":813.085,"end":836.565},{"sentences":[{"text":"We could sit down then and do applications for pension, and they would start the assessment for it.","start":836.565,"end":843.685,"sentiment":"neutral","sentiment_score":0.21987966116931704},{"text":"The earlier you get it in, the better because, realistically, pension assessment does take its 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it the withdrawal happen.","start":958.665,"end":965.15,"sentiment":"neutral","sentiment_score":0.06987828628293105},{"text":"So, like, don't what I I guess let me let me phrase it.","start":965.45,"end":969.85004,"sentiment":"neutral","sentiment_score":0.10371336398216394},{"text":"If you if you're ready to go and start looking at a boat, I would love it if you could tell me, hey.","start":969.85004,"end":975.69,"sentiment":"positive","sentiment_score":0.4724027190519416},{"text":"I'm starting to look.","start":975.69,"end":976.91003,"sentiment":"positive","sentiment_score":0.4950606897473335},{"text":"I reckon I could have a boat secured within two weeks.","start":977.10504,"end":979.585,"sentiment":"positive","sentiment_score":0.5344997834075581}],"sentiment":"neutral","sentiment_score":0.3238703485291738,"num_words":65,"start":958.665,"end":979.585},{"sentences":[{"text":"And if I could have that two weeks, that would be great.","start":979.585,"end":981.92505,"sentiment":"positive","sentiment_score":0.5526102781295776},{"text":"Because I would need I need I need to add your bank details to your account, and that takes three days, and that is out of my control.","start":982.78503,"end":990.005,"sentiment":"neutral","sentiment_score":-0.22452890487121685},{"text":"Yep.","start":998.02,"end":998.52,"sentiment":"neutral","sentiment_score":-0.05981835722923279},{"text":"Easy.","start":1007.575,"end":1008.075,"sentiment":"neutral","sentiment_score":0.04864317923784256},{"text":"Yeah.","start":1019.10004,"end":1019.42004,"sentiment":"neutral","sentiment_score":0.0072404248639941216}],"sentiment":"neutral","sentiment_score":0.007920447628685209,"num_words":43,"start":979.585,"end":1019.42004},{"sentences":[{"text":"I I had written down 12 in my notes as as sort of what we had to start 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say, hey.","start":1040.3151,"end":1044.3351,"sentiment":"neutral","sentiment_score":0.022661761465397747},{"text":"It is blah amount that I need to withdraw.","start":1044.555,"end":1047.0499,"sentiment":"neutral","sentiment_score":-0.11372697767284182},{"text":"Larissa's aware.","start":1047.19,"end":1048.17,"sentiment":"neutral","sentiment_score":0.009797059930860996},{"text":"Get her to call me.","start":1048.23,"end":1049.27,"sentiment":"neutral","sentiment_score":0.1720773845911026}],"sentiment":"neutral","sentiment_score":0.027104539115254473,"num_words":41,"start":1035.5951,"end":1049.27},{"sentences":[{"text":"And I can just call you because I can do the steps that I need to to withdraw the money to do the thing.","start":1049.27,"end":1054.49,"sentiment":"neutral","sentiment_score":0.3322247850398223},{"text":"There is.","start":1070.5,"end":1071.22,"sentiment":"neutral","sentiment_score":0.035382216796278954},{"text":"Would you like because what you can do is you can keep that paperwork if you want, and I can just send you the the same document, and you can electronically sign them if you're comfortable to do that.","start":1071.22,"end":1081.78,"sentiment":"neutral","sentiment_score":0.3003578917720379},{"text":"Otherwise, you can definitely go through all of the documents and sign, but it's I don't it's not all of them.","start":1081.78,"end":1087.975,"sentiment":"neutral","sentiment_score":-0.052007609889620825},{"text":"There's still a couple others to sign, like the application forms and stuff like that.","start":1088.355,"end":1091.875,"sentiment":"neutral","sentiment_score":-0.1652859757343928}],"sentiment":"neutral","sentiment_score":0.16026403574217665,"num_words":101,"start":1049.27,"end":1091.875},{"sentences":[{"text":"I don't I actually can't remember what I dropped off to you now.","start":1091.875,"end":1096.23,"sentiment":"neutral","sentiment_score":-0.307318382538282},{"text":"It'd be in my notes as to why I printed out, but I can't drive in computer.","start":1096.47,"end":1101.53,"sentiment":"neutral","sentiment_score":-0.2827853065203218},{"text":"I I actually have a feeling now that I think about it that I may have printed everything.","start":1103.4299,"end":1107.45,"sentiment":"neutral","sentiment_score":-0.1309945442610317},{"text":"Yeah.","start":1112.555,"end":1112.795,"sentiment":"neutral","sentiment_score":-0.035797134041786194},{"text":"There was.","start":1112.795,"end":1113.355,"sentiment":"neutral","sentiment_score":-0.10245204344391823}],"sentiment":"neutral","sentiment_score":-0.22355082747983,"num_words":51,"start":1091.875,"end":1113.355},{"sentences":[{"text":"Wasn't there?","start":1113.355,"end":1114.255,"sentiment":"neutral","sentiment_score":-0.12389100342988968},{"text":"There's a lot.","start":1115.195,"end":1116.095,"sentiment":"neutral","sentiment_score":-0.24689376850922903},{"text":"Yeah.","start":1128.43,"end":1128.93,"sentiment":"neutral","sentiment_score":-0.058616869151592255},{"text":"On your phone.","start":1139.485,"end":1139.7783,"sentiment":"neutral","sentiment_score":-0.034544716899593673},{"text":"No.","start":1139.7783,"end":1139.8049,"sentiment":"neutral","sentiment_score":-0.12469585239887238}],"sentiment":"neutral","sentiment_score":-0.12754101846367122,"num_words":10,"start":1113.355,"end":1139.8049},{"sentences":[{"text":"It's okay.","start":1139.8049,"end":1141.105,"sentiment":"neutral","sentiment_score":-0.0014999145641922933},{"text":"Well, we can do one of two options.","start":1142.5249,"end":1144.705,"sentiment":"neutral","sentiment_score":0.1532796798273921},{"text":"I'm on the m one heading to Olmo.","start":1145.005,"end":1147.6649,"sentiment":"neutral","sentiment_score":0.08804203057661653},{"text":"So if you are amenable to a visit, I can always pop over and we can find them, and I can show you where to find.","start":1148.5249,"end":1154.13,"sentiment":"neutral","sentiment_score":0.2263827146245883},{"text":"And then I can take the documents with you.","start":1154.21,"end":1155.81,"sentiment":"neutral","sentiment_score":0.28361644678645664}],"sentiment":"neutral","sentiment_score":0.19558627274379414,"num_words":53,"start":1139.8049,"end":1155.81},{"sentences":[{"text":"I'll scan them in, and then I can email you tomorrow a copy of the signed documents.","start":1155.81,"end":1160.29,"sentiment":"neutral","sentiment_score":0.21336443546940298},{"text":"That way you have a copy.","start":1160.29,"end":1161.49,"sentiment":"neutral","sentiment_score":0.2749838887248188},{"text":"Or if you want, I can take a copy and then drop off a signed version of them, you know, post them to you type of thing.","start":1161.49,"end":1167.83,"sentiment":"neutral","sentiment_score":0.06659550882048076},{"text":"Or if you would like, I can leave you to your own devices to attempt to sign them.","start":1170.975,"end":1176.1951,"sentiment":"neutral","sentiment_score":0.04662621931897269},{"text":"Or you you'll be able to electronically sign them on your phone.","start":1178.255,"end":1181.715,"sentiment":"neutral","sentiment_score":0.045766429509967566}],"sentiment":"neutral","sentiment_score":0.1057955821917858,"num_words":80,"start":1155.81,"end":1181.715},{"sentences":[{"text":"It's just it's a bit of a pain because of the size of the screen versus the document, but it's not impossible to do.","start":1182.255,"end":1189.7999,"sentiment":"negative","sentiment_score":-0.546080062786738},{"text":"It's just painful from a viewing point of view for you, not for me.","start":1189.7999,"end":1194.2799,"sentiment":"negative","sentiment_score":-0.7377518287726811},{"text":"It'll come through fine for me.","start":1194.2799,"end":1195.8999,"sentiment":"neutral","sentiment_score":-0.292734627922376},{"text":"But I'm I'm happy to pop in and and come and help you sign them tonight or at night during the week.","start":1200.295,"end":1206.795,"sentiment":"positive","sentiment_score":0.5568438802253116},{"text":"It's I've I've done, like, two seventy hour weeks, so I decided I would try and leave work at a reasonable time and actually go home and see my family tonight.","start":1207.335,"end":1217.27,"sentiment":"neutral","sentiment_score":0.22257014051560434}],"sentiment":"neutral","sentiment_score":-0.06227438305456614,"num_words":97,"start":1182.255,"end":1217.27},{"sentences":[{"text":"Not that I got out at 04:00 like I was I was planning, but I got out before five.","start":1217.33,"end":1221.1699,"sentiment":"neutral","sentiment_score":0.2172545504413153},{"text":"That was impressive.","start":1221.1699,"end":1222.07,"sentiment":"positive","sentiment_score":0.79940265417099},{"text":"I'm I can be yours any night you want.","start":1233.6649,"end":1237.4249,"sentiment":"positive","sentiment_score":0.4152656031979455},{"text":"I'm pretty sure my my calendar is actually pretty free this week.","start":1237.4249,"end":1240.7699,"sentiment":"positive","sentiment_score":0.4863877246777217},{"text":"Not a thing to do, but I don't have anything scheduled.","start":1240.83,"end":1243.73,"sentiment":"neutral","sentiment_score":0.06163514405488968}],"sentiment":"neutral","sentiment_score":0.31070507648918366,"num_words":54,"start":1217.33,"end":1243.73},{"sentences":[{"text":"I'm on my own dime.","start":1243.95,"end":1245.09,"sentiment":"neutral","sentiment_score":0.10180303007364273},{"text":"So what night works for you?","start":1245.71,"end":1247.4099,"sentiment":"neutral","sentiment_score":0.08500649159153302},{"text":"Perfect.","start":1265.3999,"end":1265.8999,"sentiment":"positive","sentiment_score":0.4514717757701874},{"text":"Wednesday night it is.","start":1266.2,"end":1267.5,"sentiment":"neutral","sentiment_score":0.21780000627040863},{"text":"Five, 05:30.","start":1273.88,"end":1274.94,"sentiment":"neutral","sentiment_score":0.035207418724894524}],"sentiment":"neutral","sentiment_score":0.13400781878994572,"num_words":18,"start":1243.95,"end":1274.94},{"sentences":[{"text":"05:36 it is.","start":1286.855,"end":1288.315,"sentiment":"neutral","sentiment_score":0.00461848359555006},{"text":"Yeah.","start":1288.375,"end":1288.875,"sentiment":"neutral","sentiment_score":0.01737814024090767},{"text":"Yeah.","start":1299.79,"end":1300.29,"sentiment":"neutral","sentiment_score":-0.004417061805725098},{"text":"No.","start":1310.355,"end":1310.755,"sentiment":"neutral","sentiment_score":-0.22992587089538577},{"text":"I I get it.","start":1310.755,"end":1311.8151,"sentiment":"neutral","sentiment_score":-0.11894400790333748}],"sentiment":"neutral","sentiment_score":-0.0678885373286903,"num_words":10,"start":1286.855,"end":1311.8151},{"sentences":[{"text":"Yes.","start":1324.4,"end":1324.9,"sentiment":"neutral","sentiment_score":0.2129521667957306},{"text":"Oh, that's impressive.","start":1335.9349,"end":1337.075,"sentiment":"positive","sentiment_score":0.6778804461161295},{"text":"And in the right.","start":1339.0549,"end":1340.095,"sentiment":"positive","sentiment_score":0.3479034751653671},{"text":"Very impressive.","start":1340.095,"end":1341.075,"sentiment":"positive","sentiment_score":0.6062455773353577},{"text":"No.","start":1347.63,"end":1348.13,"sentiment":"neutral","sentiment_score":-0.0068330317735672}],"sentiment":"positive","sentiment_score":0.4403514117002487,"num_words":11,"start":1324.4,"end":1348.13},{"sentences":[{"text":"Correct.","start":1348.99,"end":1349.3099,"sentiment":"neutral","sentiment_score":0.02111930213868618},{"text":"It doesn't worry to hear you, but it's every other person that can't drive.","start":1349.3099,"end":1352.13,"sentiment":"neutral","sentiment_score":-0.041439566894301345},{"text":"Oh, perfect.","start":1356.525,"end":1357.1849,"sentiment":"neutral","sentiment_score":0.1108245626091957},{"text":"We're in Southport.","start":1358.525,"end":1359.505,"sentiment":"neutral","sentiment_score":0.024442477772633236},{"text":"Yeah.","start":1361.165,"end":1361.665,"sentiment":"neutral","sentiment_score":0.01713399402797222}],"sentiment":"neutral","sentiment_score":-0.011758289610346159,"num_words":21,"start":1348.99,"end":1361.665},{"sentences":[{"text":"So south yeah.","start":1361.725,"end":1363.165,"sentiment":"neutral","sentiment_score":0.013268078056474527},{"text":"So Southport.","start":1363.165,"end":1363.985,"sentiment":"neutral","sentiment_score":0.01352022960782051},{"text":"Yeah.","start":1364.365,"end":1364.865,"sentiment":"neutral","sentiment_score":0.02492374926805496},{"text":"And then I live in almost I think I'm oh, no.","start":1365.8049,"end":1370.19,"sentiment":"neutral","sentiment_score":0.013004045002162457},{"text":"There's there's a couple other staff members that are both north and north.","start":1370.19,"end":1373.35,"sentiment":"neutral","sentiment_score":0.005050951856761598}],"sentiment":"neutral","sentiment_score":0.010015843727160245,"num_words":30,"start":1361.725,"end":1373.35},{"sentences":[{"text":"But yeah.","start":1373.35,"end":1374.53,"sentiment":"neutral","sentiment_score":0.016628004610538483},{"text":"Well, my husband's in Brisbane.","start":1376.75,"end":1378.03,"sentiment":"neutral","sentiment_score":0.032338282093405724},{"text":"I'm in Southport, so it's perfectly halfway between the two.","start":1378.03,"end":1381.4099,"sentiment":"neutral","sentiment_score":0.04426339324563742},{"text":"And like I said, I've been I've been in all my for thirty years, so I think I could win.","start":1382.845,"end":1386.785,"sentiment":"neutral","sentiment_score":0.08771848827600479},{"text":"Oof.","start":1396.06,"end":1396.46,"sentiment":"neutral","sentiment_score":0.004709433764219284}],"sentiment":"neutral","sentiment_score":0.06307001451128408,"num_words":38,"start":1373.35,"end":1396.46},{"sentences":[{"text":"Yeah.","start":1396.46,"end":1396.78,"sentiment":"neutral","sentiment_score":-0.014942428097128868},{"text":"No.","start":1396.78,"end":1397.1,"sentiment":"neutral","sentiment_score":-0.05024538934230805},{"text":"Got in in '94.","start":1397.1,"end":1398.3,"sentiment":"neutral","sentiment_score":-0.042397283017635345},{"text":"Sorry.","start":1398.3,"end":1398.8,"sentiment":"neutral","sentiment_score":-0.08517201244831085},{"text":"One year shorter than you.","start":1400.46,"end":1401.84,"sentiment":"neutral","sentiment_score":-0.07733909636735917}],"sentiment":"neutral","sentiment_score":-0.058887036982923746,"num_words":12,"start":1396.46,"end":1401.84},{"sentences":[{"text":"Perfect.","start":1406.06,"end":1406.56,"sentiment":"neutral","sentiment_score":0.25542688369750977},{"text":"I will I'm 90% I'm 95% sure, but I'll check before I come Wednesday that everything that needs to be signed is with you.","start":1419.255,"end":1428.02,"sentiment":"neutral","sentiment_score":0.03208926832303405},{"text":"So what I'll do is I'll I'll we'll just sign the documents that you have in front of you, and then I will take them to work.","start":1428.02,"end":1434.26,"sentiment":"neutral","sentiment_score":0.10054264438373071},{"text":"I'll scan them and, obviously, save them on your file and submit everything you may need to submit.","start":1434.26,"end":1439.825,"sentiment":"neutral","sentiment_score":0.10301417340007094},{"text":"And and then I'll I'll I will email you a copy of the signed documents, and I'll also print out a copy of the the statement of advice, and I'll post it to you again.","start":1440.285,"end":1452.4099,"sentiment":"neutral","sentiment_score":0.15720582923718862}],"sentiment":"neutral","sentiment_score":0.10568266539346605,"num_words":105,"start":1406.06,"end":1452.4099},{"sentences":[{"text":"And by post, I mean, I'll drop it into your letterbox because I literally have to drive past the house.","start":1452.5499,"end":1457.45,"sentiment":"neutral","sentiment_score":0.032690098695456984},{"text":"Perfect.","start":1464.8551,"end":1465.255,"sentiment":"positive","sentiment_score":0.7715226411819458},{"text":"I will see you Wednesday.","start":1465.255,"end":1466.555,"sentiment":"positive","sentiment_score":0.6199000239372253},{"text":"Perfect.","start":1470.9509,"end":1471.4509,"sentiment":"positive","sentiment_score":0.7959249019622803},{"text":"Alright, Peter.","start":1472.2308,"end":1473.1108,"sentiment":"positive","sentiment_score":0.6955172717571259}],"sentiment":"neutral","sentiment_score":0.23144083380185324,"num_words":29,"start":1452.5499,"end":1473.1108},{"sentences":[{"text":"You have a good evening.","start":1473.1108,"end":1474.2509,"sentiment":"positive","sentiment_score":0.7478875398635865},{"text":"Bye.","start":1477.9908,"end":1478.4908,"sentiment":"neutral","sentiment_score":0.11771546304225922}],"sentiment":"positive","sentiment_score":0.6428588603933653,"num_words":6,"start":1473.1108,"end":1478.4908}]}}]},{"alternatives":[{"transcript":"Hello? Hey. Good. I thought you were gonna ring me back past week sometime. Alright. I must have missed it. Yeah. Oh, yeah. Okay. All good. Oh, no. That was all good. Good up there and back again. So yeah. There is yeah. Well, picked up the old man and see my brother and his wife, and he's one of his sons and wife and two young kids now. Alright. Yeah. And a few others. So, yeah, all good. No. No. No. It was fine. So no no rain up there. Right. Yeah. Anyhow, I did manage to have a look through that paperwork, the one that I think I was what I really had to read through. And I haven't got it in front of me, but yeah. To I think I'll well, alright. The the prices that I've got a that you put in there, one was so much money that it looks like to change over all your all my super in that. Is that just a a one off thing, or what what happens with that? And no. Well, that that was that that we'll just leave that as the first question. So that looked like I don't know. It was, well, $5 or something. So that that's for you guys to, what, get me out of this one and get get into that one and whatever. Is that right? Or Yeah. Yeah. Yeah. Yeah. Yeah. He said no. So is that so is that ongoing thing, is that a yearly thing, obviously? Yeah. Yeah. Yeah. Well, I think I'd like you to do the super thing because that sounds like it's gonna work a lot better than the way I've got it at the moment to the little time left that I will be working, which as I said, it might be Christmas. It might be April next year. I'm thinking now. It depends on so if I do that and then there's really nothing much to do then until I decide on a date when I'm gonna stop working. Is that right? Or Yeah. Yeah. Yeah. No. Yeah. Yeah. Well, I think, initially, as you as as you just said, well, I I think I need someone to help me with it. So there's a super thing in probably, as you said, the first twelve months or especially when I get to do all this pension retirement bullshit stuff. So yeah. And yeah. And as I said, you know, look, I'm I'm I know I've said I'm gonna sell this, sell that, sell this, but it's it may not be until I actually retire. But then I've been thinking maybe I should sell some of this before I retire so it's not Yeah. Yeah. Got it. So and the other thing is yeah. Go on. No. No. No. No. Well, well, there's only one well, big one. The crewmen's hopefully hopefully, I'll get 7 or $8 for it, you know, and the and the bikes will whatever. You know? It's the same. It's not a big money thing. Yeah. So and and the way that was worded, you you take your payment for changing super out of out of my super, do you? Yeah. Yeah. Yeah. Alright. Alright. Yeah. Alright. Well, I'm no. Pretty much it. Yeah. So I think yeah. It's at the end of the day, we'll we'll change the super over. We'll do the probably the twelve month thing, I guess. But when when will the twelve month thing start, so I suppose as soon as you change the super over, is it right? Or Yeah. Yeah. Yeah. Well, say well, just say for argument's sake, oh, retirement expert's day. Alright? So to start mucking around with all the pension stuff, that can't actually take place until I've actually stopped work, can it, I think? Or can you use the step? The April 3. Yeah. Yeah. Yeah. Yeah. Yep. Alright. And the city that boat that I was gonna pick up, I was gonna take that out of my super. So is that still gonna happen with this other phone number? Yep. Yeah. Yeah. Yeah. No. Basically yeah. Yeah. Well, it's I've actually put a deposit on it's only a tinny last year sometime, and I'm not and I'm not picking it up till August or around about then. So and and I'm think I think it well, hopefully, I might be able to add a little bit to it, but it's probably gonna be about $13 or something like that. Yeah. Something yeah. Yeah. Yeah. Alright. Alright. Well, anyhow Yeah. Yeah. Yep. Yep. Alright. Okay. Well, what do I need to start with? I know there was some paperwork in there that looks like I had to sign, but is that it or what? Nope. There's a lot there's a lot of stuff there. Yeah. Yeah. Yeah. There was there was two folders and and when I went through everything, and there was only one one bundle that looked like is all I needed to read. So or read through anyhow, and that's what I've done. So I don't know. The other other only other thing is if oh, I don't know whether I can bloody electronically sign anything on my phone anyhow. Yeah. Yeah. Yeah. You you you get you can go get home early tonight if you like. Is there any other afternoon or Well, let's let's just say Wednesday night or something like that. And whatever time you get here or roundabout, and I'll just yeah. Probably more than yeah. Five, 05:30 or even yeah. Towards probably 05:30 is gonna be better. Yeah. Because some some afternoons, I can get stuck and get home. Like, I might have to get home now. You know? And and then some afternoons, I might I might be here at bloody 04:00. It's I don't know until the day. But it's like to be anywhere. Yeah. It can be anywhere. You know? I could be coming from Bloody Tweed Heads or something and sitting in traffic for an hour and a half, you know, or or whatever. So yeah. Well, actually, I had a good run from Springwood just now, from Currabi to here. It was versus the speed limit all the way back here. So wait. Yeah. Oh, that doesn't worry me much. Mhmm. It's funny that you're in front of you. Yeah. I know. Yeah. So where where's your office? Where's your office? Iron Southport. K. Mhmm. Sheffield. Yeah. That's that's yeah. Well, I've I've been here a bit longer than that, I think. '93. Yeah. Alright. Alright. Well, see you then, and I'll is all everything that I've got assigned, you left here, or you're gonna bring some other stuff? Yep. Okay. Yep. Yep. Yep. Yeah. Alright. Alright. Well, we'll leave it all at that. Yep. Okay then. That'll be great. 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Hey. Good. I thought you were gonna ring me back past week sometime. Alright.\n\nI must have missed it. Yeah. Oh, yeah. Okay. All good.\n\nOh, no. That was all good. Good up there and back again. So yeah. There is yeah.\n\nWell, picked up the old man and see my brother and his wife, and he's one of his sons and wife and two young kids now. Alright. Yeah. And a few others. So, yeah, all good.\n\nNo. No. No. It was fine. So no no rain up there.\n\nRight. Yeah. Anyhow, I did manage to have a look through that paperwork, the one that I think I was what I really had to read through. And I haven't got it in front of me, but yeah. To I think I'll well, alright.\n\nThe the prices that I've got a that you put in there, one was so much money that it looks like to change over all your all my super in that. Is that just a a one off thing, or what what happens with that? And no. Well, that that was that that we'll just leave that as the first question. So that looked like I don't know.\n\nIt was, well, $5 or something. So that that's for you guys to, what, get me out of this one and get get into that one and whatever. Is that right? Or Yeah. Yeah.\n\nYeah. Yeah. Yeah. He said no. So is that so is that ongoing thing, is that a yearly thing, obviously?\n\nYeah. Yeah. Yeah. Well, I think I'd like you to do the super thing because that sounds like it's gonna work a lot better than the way I've got it at the moment to the little time left that I will be working, which as I said, it might be Christmas. It might be April next year.\n\nI'm thinking now. It depends on so if I do that and then there's really nothing much to do then until I decide on a date when I'm gonna stop working. Is that right? Or Yeah. Yeah.\n\nYeah. No. Yeah. Yeah. Well, I think, initially, as you as as you just said, well, I I think I need someone to help me with it.\n\nSo there's a super thing in probably, as you said, the first twelve months or especially when I get to do all this pension retirement bullshit stuff. So yeah. And yeah. And as I said, you know, look, I'm I'm I know I've said I'm gonna sell this, sell that, sell this, but it's it may not be until I actually retire. But then I've been thinking maybe I should sell some of this before I retire so it's not Yeah.\n\nYeah. Got it. So and the other thing is yeah. Go on. No.\n\nNo. No. No. Well, well, there's only one well, big one. The crewmen's hopefully hopefully, I'll get 7 or $8 for it, you know, and the and the bikes will whatever.\n\nYou know? It's the same. It's not a big money thing. Yeah. So and and the way that was worded, you you take your payment for changing super out of out of my super, do you?\n\nYeah. Yeah. Yeah. Alright. Alright.\n\nYeah. Alright. Well, I'm no. Pretty much it. Yeah.\n\nSo I think yeah. It's at the end of the day, we'll we'll change the super over. We'll do the probably the twelve month thing, I guess. But when when will the twelve month thing start, so I suppose as soon as you change the super over, is it right? Or Yeah.\n\nYeah. Yeah. Well, say well, just say for argument's sake, oh, retirement expert's day. Alright? So to start mucking around with all the pension stuff, that can't actually take place until I've actually stopped work, can it, I think?\n\nOr can you use the step? The April 3. Yeah. Yeah. Yeah.\n\nYeah. Yep. Alright. And the city that boat that I was gonna pick up, I was gonna take that out of my super. So is that still gonna happen with this other phone number?\n\nYep. Yeah. Yeah. Yeah. No.\n\nBasically yeah. Yeah. Well, it's I've actually put a deposit on it's only a tinny last year sometime, and I'm not and I'm not picking it up till August or around about then. So and and I'm think I think it well, hopefully, I might be able to add a little bit to it, but it's probably gonna be about $13 or something like that. Yeah.\n\nSomething yeah. Yeah. Yeah. Alright. Alright.\n\nWell, anyhow Yeah. Yeah. Yep. Yep. Alright.\n\nOkay. Well, what do I need to start with? I know there was some paperwork in there that looks like I had to sign, but is that it or what? Nope. There's a lot there's a lot of stuff there.\n\nYeah. Yeah. Yeah. There was there was two folders and and when I went through everything, and there was only one one bundle that looked like is all I needed to read. So or read through anyhow, and that's what I've done.\n\nSo I don't know. The other other only other thing is if oh, I don't know whether I can bloody electronically sign anything on my phone anyhow. Yeah. Yeah. Yeah.\n\nYou you you get you can go get home early tonight if you like. Is there any other afternoon or Well, let's let's just say Wednesday night or something like that. And whatever time you get here or roundabout, and I'll just yeah. Probably more than yeah. Five, 05:30 or even yeah.\n\nTowards probably 05:30 is gonna be better. Yeah. Because some some afternoons, I can get stuck and get home. Like, I might have to get home now. You know?\n\nAnd and then some afternoons, I might I might be here at bloody 04:00. It's I don't know until the day. But it's like to be anywhere. Yeah. It can be anywhere.\n\nYou know? I could be coming from Bloody Tweed Heads or something and sitting in traffic for an hour and a half, you know, or or whatever. So yeah. Well, actually, I had a good run from Springwood just now, from Currabi to here. It was versus the speed limit all the way back here.\n\nSo wait. Yeah. Oh, that doesn't worry me much. Mhmm. It's funny that you're in front of you.\n\nYeah. I know. Yeah. So where where's your office? Where's your office?\n\nIron Southport. K. Mhmm. Sheffield. Yeah.\n\nThat's that's yeah. Well, I've I've been here a bit longer than that, I think. '93. Yeah. Alright.\n\nAlright. Well, see you then, and I'll is all everything that I've got assigned, you left here, or you're gonna bring some other stuff? Yep. Okay. Yep.\n\nYep. Yep. Yeah. Alright. Alright.\n\nWell, we'll leave it all at that. Yep. Okay then. That'll be great. Yeah.\n\nYou too. Alright. Bye. Sorry.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.8399999,"end":2.34,"sentiment":"neutral","sentiment_score":0.035761184990406036},{"text":"Hey.","start":6.0,"end":6.3199997,"sentiment":"positive","sentiment_score":0.3627687692642212},{"text":"Good.","start":6.3199997,"end":6.8199997,"sentiment":"positive","sentiment_score":0.6123158931732178},{"text":"I thought you were gonna ring me back past week sometime.","start":9.599999,"end":12.099999,"sentiment":"neutral","sentiment_score":0.06691210293634371},{"text":"Alright.","start":20.675,"end":21.175,"sentiment":"neutral","sentiment_score":-0.009731609374284744}],"sentiment":"neutral","sentiment_score":0.11580982469022275,"num_words":15,"start":1.8399999,"end":21.175},{"sentences":[{"text":"I must have missed it.","start":21.555,"end":23.575,"sentiment":"neutral","sentiment_score":-0.09710990041494369},{"text":"Yeah.","start":34.559998,"end":35.059998,"sentiment":"neutral","sentiment_score":0.009622863493859768},{"text":"Oh, yeah.","start":36.0,"end":36.48,"sentiment":"neutral","sentiment_score":0.09271378815174103},{"text":"Okay.","start":36.48,"end":36.98,"sentiment":"neutral","sentiment_score":0.15574318170547485},{"text":"All good.","start":37.12,"end":37.86,"sentiment":"positive","sentiment_score":0.3612401485443115}],"sentiment":"neutral","sentiment_score":0.05342949241061102,"num_words":11,"start":21.555,"end":37.86},{"sentences":[{"text":"Oh, no.","start":41.705,"end":42.025,"sentiment":"neutral","sentiment_score":0.0829012356698513},{"text":"That was all good.","start":42.025,"end":42.985,"sentiment":"neutral","sentiment_score":0.3276570439338684},{"text":"Good up there and back again.","start":42.985,"end":44.445,"sentiment":"positive","sentiment_score":0.45300571123758954},{"text":"So yeah.","start":46.425003,"end":47.245003,"sentiment":"neutral","sentiment_score":0.17982373386621475},{"text":"There is yeah.","start":47.385002,"end":51.225002,"sentiment":"neutral","sentiment_score":0.15058307349681854}],"sentiment":"neutral","sentiment_score":0.2944624472190352,"num_words":17,"start":41.705,"end":51.225002},{"sentences":[{"text":"Well, picked up the old man and see my brother and his wife, and he's one of his sons and wife and two young kids now.","start":51.225002,"end":60.96,"sentiment":"neutral","sentiment_score":0.06867555299630532},{"text":"Alright.","start":62.54,"end":63.04,"sentiment":"neutral","sentiment_score":0.08616932481527328},{"text":"Yeah.","start":63.260002,"end":63.760002,"sentiment":"neutral","sentiment_score":0.08328157663345337},{"text":"And a few others.","start":64.22,"end":65.26,"sentiment":"neutral","sentiment_score":0.0852311123162508},{"text":"So, yeah, all good.","start":65.26,"end":66.675,"sentiment":"neutral","sentiment_score":0.28436803817749023}],"sentiment":"neutral","sentiment_score":0.09537255225910081,"num_words":36,"start":51.225002,"end":66.675},{"sentences":[{"text":"No.","start":72.515,"end":72.83501,"sentiment":"neutral","sentiment_score":-0.04117557033896446},{"text":"No.","start":72.83501,"end":73.075005,"sentiment":"neutral","sentiment_score":-0.04736083000898361},{"text":"No.","start":73.075005,"end":73.575005,"sentiment":"neutral","sentiment_score":-0.04463468119502067},{"text":"It was fine.","start":73.635,"end":74.695,"sentiment":"neutral","sentiment_score":0.02527657027045886},{"text":"So no no rain up there.","start":76.115005,"end":79.015,"sentiment":"neutral","sentiment_score":-0.008793369556466738}],"sentiment":"neutral","sentiment_score":-0.009175132339199385,"num_words":12,"start":72.515,"end":79.015},{"sentences":[{"text":"Right.","start":80.51,"end":81.01,"sentiment":"neutral","sentiment_score":0.02418092265725136},{"text":"Yeah.","start":82.35,"end":82.590004,"sentiment":"neutral","sentiment_score":0.020109646022319794},{"text":"Anyhow, I did manage to have a look through that paperwork, the one that I think I was what I really had to read through.","start":82.590004,"end":93.81,"sentiment":"neutral","sentiment_score":-0.0029865808039903643},{"text":"And I haven't got it in front of me, but yeah.","start":96.185005,"end":103.965004,"sentiment":"neutral","sentiment_score":-0.06065004420551387},{"text":"To I think I'll well, alright.","start":105.465004,"end":109.69,"sentiment":"neutral","sentiment_score":-0.04259162209928036}],"sentiment":"neutral","sentiment_score":-0.021660776597193697,"num_words":44,"start":80.51,"end":109.69},{"sentences":[{"text":"The the prices that I've got a that you put in there, one was so much money that it looks like to change over all your all my super in that.","start":109.75,"end":121.924995,"sentiment":"neutral","sentiment_score":-0.10834753873848146},{"text":"Is that just a a one off thing, or what what happens with that?","start":121.924995,"end":126.025,"sentiment":"neutral","sentiment_score":-0.10121678880282811},{"text":"And no.","start":126.085,"end":135.28,"sentiment":"neutral","sentiment_score":-0.08131554536521435},{"text":"Well, that that was that that we'll just leave that as the first question.","start":135.28,"end":138.74,"sentiment":"neutral","sentiment_score":-0.09228064811655454},{"text":"So that looked like I don't know.","start":138.8,"end":140.48,"sentiment":"neutral","sentiment_score":-0.15381814113685063}],"sentiment":"neutral","sentiment_score":-0.10745729259489213,"num_words":68,"start":109.75,"end":140.48},{"sentences":[{"text":"It was, well, $5 or something.","start":140.48,"end":143.62,"sentiment":"neutral","sentiment_score":-0.1216663233935833},{"text":"So that that's for you guys to, what, get me out of this one and get get into that one and whatever.","start":146.44499,"end":153.745,"sentiment":"neutral","sentiment_score":-0.10278608853166754},{"text":"Is that right?","start":154.605,"end":156.20499,"sentiment":"neutral","sentiment_score":-0.03140880850454172},{"text":"Or Yeah.","start":156.20499,"end":246.645,"sentiment":"neutral","sentiment_score":0.03604816645383835},{"text":"Yeah.","start":251.985,"end":252.38501,"sentiment":"neutral","sentiment_score":0.07545460760593414}],"sentiment":"neutral","sentiment_score":-0.08641080508994706,"num_words":34,"start":140.48,"end":252.38501},{"sentences":[{"text":"Yeah.","start":252.38501,"end":252.88501,"sentiment":"neutral","sentiment_score":0.06333324313163757},{"text":"Yeah.","start":257.6,"end":257.84,"sentiment":"neutral","sentiment_score":0.06635520607233047},{"text":"Yeah.","start":257.84,"end":258.34,"sentiment":"neutral","sentiment_score":0.032437290996313095},{"text":"He said no.","start":260.4,"end":261.38,"sentiment":"neutral","sentiment_score":-0.1247345432639122},{"text":"So is that so is that ongoing thing, is that a yearly thing, obviously?","start":263.52002,"end":270.86502,"sentiment":"neutral","sentiment_score":-0.018636766288961683}],"sentiment":"neutral","sentiment_score":-0.023649630881845952,"num_words":20,"start":252.38501,"end":270.86502},{"sentences":[{"text":"Yeah.","start":304.54,"end":305.04,"sentiment":"positive","sentiment_score":0.36194396018981934},{"text":"Yeah.","start":320.635,"end":321.135,"sentiment":"neutral","sentiment_score":0.3173253536224365},{"text":"Yeah.","start":362.36,"end":362.86,"sentiment":"neutral","sentiment_score":0.15944135189056396},{"text":"Well, I think I'd like you to do the super thing because that sounds like it's gonna work a lot better than the way I've got it at the moment to the little time left that I will be working, which as I said, it might be Christmas.","start":364.75998,"end":387.47,"sentiment":"neutral","sentiment_score":0.22196377076519033},{"text":"It might be April next year.","start":387.53,"end":389.61002,"sentiment":"neutral","sentiment_score":0.004984058439731597}],"sentiment":"neutral","sentiment_score":0.2021557195275499,"num_words":57,"start":304.54,"end":389.61002},{"sentences":[{"text":"I'm thinking now.","start":389.61002,"end":390.57,"sentiment":"neutral","sentiment_score":-0.0022371715555588403},{"text":"It depends on so if I do that and then there's really nothing much to do then until I decide on a date when I'm gonna stop working.","start":390.57,"end":405.825,"sentiment":"negative","sentiment_score":-0.4005218558013439},{"text":"Is that right?","start":406.845,"end":407.64502,"sentiment":"neutral","sentiment_score":-0.07613018900156021},{"text":"Or Yeah.","start":407.64502,"end":428.895,"sentiment":"neutral","sentiment_score":0.25937141105532646},{"text":"Yeah.","start":436.81,"end":437.31,"sentiment":"positive","sentiment_score":0.6648359298706055}],"sentiment":"neutral","sentiment_score":-0.27746311600345214,"num_words":37,"start":389.61002,"end":437.31},{"sentences":[{"text":"Yeah.","start":472.655,"end":473.155,"sentiment":"neutral","sentiment_score":-0.0714910551905632},{"text":"No.","start":477.535,"end":478.035,"sentiment":"negative","sentiment_score":-0.41128963232040405},{"text":"Yeah.","start":478.33502,"end":478.655,"sentiment":"neutral","sentiment_score":-0.3227185904979706},{"text":"Yeah.","start":478.655,"end":479.155,"sentiment":"neutral","sentiment_score":-0.18038634955883023},{"text":"Well, I think, initially, as you as as you just said, well, I I think I need someone to help me with it.","start":488.36002,"end":504.05502,"sentiment":"neutral","sentiment_score":-0.29940981288319046}],"sentiment":"neutral","sentiment_score":-0.2915670860696722,"num_words":27,"start":472.655,"end":504.05502},{"sentences":[{"text":"So there's a super thing in probably, as you said, the first twelve months or especially when I get to do all this pension retirement bullshit stuff.","start":504.05502,"end":520.99,"sentiment":"negative","sentiment_score":-0.47084880371888477},{"text":"So yeah.","start":521.52997,"end":524.75,"sentiment":"neutral","sentiment_score":-0.11089139617979527},{"text":"And yeah.","start":524.97,"end":528.40497,"sentiment":"neutral","sentiment_score":-0.0745327640324831},{"text":"And as I said, you know, look, I'm I'm I know I've said I'm gonna sell this, sell that, sell this, but it's it may not be until I actually retire.","start":528.40497,"end":538.565,"sentiment":"neutral","sentiment_score":-0.00034331945109090977},{"text":"But then I've been thinking maybe I should sell some of this before I retire so it's not Yeah.","start":538.565,"end":557.875,"sentiment":"neutral","sentiment_score":0.02027317652429797}],"sentiment":"neutral","sentiment_score":-0.15690393296119262,"num_words":81,"start":504.05502,"end":557.875},{"sentences":[{"text":"Yeah.","start":557.875,"end":558.375,"sentiment":"neutral","sentiment_score":0.2054620087146759},{"text":"Got it.","start":558.435,"end":560.675,"sentiment":"neutral","sentiment_score":0.1813940331339836},{"text":"So and the other thing is yeah.","start":560.675,"end":563.47504,"sentiment":"neutral","sentiment_score":0.004495621791907719},{"text":"Go on.","start":563.47504,"end":564.215,"sentiment":"neutral","sentiment_score":-0.04618668556213379},{"text":"No.","start":569.31995,"end":569.63995,"sentiment":"neutral","sentiment_score":-0.14957526326179504}],"sentiment":"neutral","sentiment_score":0.027520830241533425,"num_words":13,"start":557.875,"end":569.63995},{"sentences":[{"text":"No.","start":569.63995,"end":569.88,"sentiment":"neutral","sentiment_score":-0.18135493993759155},{"text":"No.","start":569.88,"end":570.12,"sentiment":"neutral","sentiment_score":-0.19272515177726743},{"text":"No.","start":570.12,"end":570.44,"sentiment":"neutral","sentiment_score":-0.1830667704343796},{"text":"Well, well, there's only one well, big one.","start":570.44,"end":575.81995,"sentiment":"neutral","sentiment_score":-0.05491023696959019},{"text":"The crewmen's hopefully hopefully, I'll get 7 or $8 for it, you know, and the and the bikes will whatever.","start":576.19995,"end":584.215,"sentiment":"neutral","sentiment_score":0.03872955469414592}],"sentiment":"neutral","sentiment_score":-0.007156053678162636,"num_words":31,"start":569.63995,"end":584.215},{"sentences":[{"text":"You know?","start":584.215,"end":584.695,"sentiment":"neutral","sentiment_score":0.004054434597492218},{"text":"It's the same.","start":584.695,"end":585.415,"sentiment":"neutral","sentiment_score":0.015909378416836262},{"text":"It's not a big money thing.","start":585.415,"end":587.03503,"sentiment":"neutral","sentiment_score":-0.05880242958664894},{"text":"Yeah.","start":592.775,"end":593.255,"sentiment":"neutral","sentiment_score":0.05356171354651451},{"text":"So and and the way that was worded, you you take your payment for changing super out of out of my super, do 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I'm no.","start":630.86,"end":634.3,"sentiment":"neutral","sentiment_score":0.04636901865402857},{"text":"Pretty much it.","start":634.3,"end":635.01996,"sentiment":"neutral","sentiment_score":0.056837196151415505},{"text":"Yeah.","start":635.01996,"end":635.51996,"sentiment":"neutral","sentiment_score":0.09510473161935806}],"sentiment":"neutral","sentiment_score":0.07896868553426531,"num_words":9,"start":630.06,"end":635.51996},{"sentences":[{"text":"So I think yeah.","start":635.82,"end":638.705,"sentiment":"neutral","sentiment_score":0.11856038495898247},{"text":"It's at the end of the day, we'll we'll change the super over.","start":638.705,"end":642.065,"sentiment":"neutral","sentiment_score":0.09959714859724045},{"text":"We'll do the probably the twelve month thing, I guess.","start":642.065,"end":648.97003,"sentiment":"neutral","sentiment_score":0.07315980009734631},{"text":"But when when will the twelve month thing start, so I suppose as soon as you change the super over, is it 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think?","start":791.675,"end":803.73,"sentiment":"neutral","sentiment_score":-0.14592323157315454}],"sentiment":"neutral","sentiment_score":-0.07444957123161891,"num_words":39,"start":724.4,"end":803.73},{"sentences":[{"text":"Or can you use the step?","start":804.29,"end":809.51,"sentiment":"neutral","sentiment_score":-0.07023838348686695},{"text":"The April 3.","start":809.88995,"end":811.11,"sentiment":"neutral","sentiment_score":0.032215467343727745},{"text":"Yeah.","start":871.165,"end":871.665,"sentiment":"neutral","sentiment_score":0.098253071308136},{"text":"Yeah.","start":894.555,"end":895.055,"sentiment":"neutral","sentiment_score":0.02154454216361046},{"text":"Yeah.","start":895.75494,"end":896.25494,"sentiment":"neutral","sentiment_score":0.07104998081922531}],"sentiment":"neutral","sentiment_score":-0.011161358716587225,"num_words":12,"start":804.29,"end":896.25494},{"sentences":[{"text":"Yeah.","start":909.61,"end":910.11,"sentiment":"neutral","sentiment_score":0.08010391891002655},{"text":"Yep.","start":936.84,"end":937.34,"sentiment":"neutral","sentiment_score":0.058967601507902145},{"text":"Alright.","start":937.4,"end":937.9,"sentiment":"neutral","sentiment_score":0.052551865577697754},{"text":"And the city that boat that I was gonna pick up, I was gonna take that out of my 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yeah.","start":983.27997,"end":990.74,"sentiment":"neutral","sentiment_score":-0.08534769993275404},{"text":"Yeah.","start":990.95996,"end":991.27997,"sentiment":"neutral","sentiment_score":-0.013336246833205225},{"text":"Well, it's I've actually put a deposit on it's only a tinny last year sometime, and I'm not and I'm not picking it up till August or around about then.","start":991.27997,"end":1003.895,"sentiment":"neutral","sentiment_score":-0.08447928482977053},{"text":"So and and I'm think I think it well, hopefully, I might be able to add a little bit to it, but it's probably gonna be about $13 or something like that.","start":1004.195,"end":1017.885,"sentiment":"neutral","sentiment_score":0.029343883274123073},{"text":"Yeah.","start":1021.72504,"end":1022.125,"sentiment":"neutral","sentiment_score":0.001956852152943611}],"sentiment":"neutral","sentiment_score":-0.026931046585862834,"num_words":66,"start":983.27997,"end":1022.125},{"sentences":[{"text":"Something yeah.","start":1022.125,"end":1023.105,"sentiment":"neutral","sentiment_score":-0.012127992697060108},{"text":"Yeah.","start":1023.245,"end":1023.745,"sentiment":"neutral","sentiment_score":-0.004237703047692776},{"text":"Yeah.","start":1024.125,"end":1024.625,"sentiment":"neutral","sentiment_score":0.03288480266928673},{"text":"Alright.","start":1024.845,"end":1025.325,"sentiment":"neutral","sentiment_score":0.07842466235160828},{"text":"Alright.","start":1025.325,"end":1025.825,"sentiment":"neutral","sentiment_score":0.07140161842107773}],"sentiment":"neutral","sentiment_score":0.02570289916669329,"num_words":6,"start":1022.125,"end":1025.825},{"sentences":[{"text":"Well, anyhow Yeah.","start":1026.125,"end":1034.24,"sentiment":"neutral","sentiment_score":0.049308317402998604},{"text":"Yeah.","start":1039.82,"end":1040.32,"sentiment":"neutral","sentiment_score":0.05842408537864685},{"text":"Yep.","start":1049.505,"end":1050.005,"sentiment":"neutral","sentiment_score":0.2819809317588806},{"text":"Yep.","start":1054.225,"end":1054.705,"sentiment":"neutral","sentiment_score":0.19371305406093595},{"text":"Alright.","start":1054.705,"end":1055.105,"sentiment":"neutral","sentiment_score":0.2009163796901703}],"sentiment":"neutral","sentiment_score":0.12613705758537566,"num_words":7,"start":1026.125,"end":1055.105},{"sentences":[{"text":"Okay.","start":1055.105,"end":1055.605,"sentiment":"neutral","sentiment_score":0.1379481554031372},{"text":"Well, what do I need to start with?","start":1056.225,"end":1061.76,"sentiment":"neutral","sentiment_score":0.04018603591248393},{"text":"I know there was some paperwork in there that looks like I had to sign, but is that it or what?","start":1061.76,"end":1070.8201,"sentiment":"neutral","sentiment_score":-0.12396820953914098},{"text":"Nope.","start":1084.94,"end":1085.44,"sentiment":"neutral","sentiment_score":-0.08352360129356384},{"text":"There's a lot there's a lot of stuff there.","start":1099.1951,"end":1101.295,"sentiment":"negative","sentiment_score":-0.5003189543883005}],"sentiment":"neutral","sentiment_score":-0.16825725371018052,"num_words":40,"start":1055.105,"end":1101.295},{"sentences":[{"text":"Yeah.","start":1102.635,"end":1103.135,"sentiment":"neutral","sentiment_score":-0.0781712457537651},{"text":"Yeah.","start":1103.275,"end":1103.775,"sentiment":"neutral","sentiment_score":-0.05635834112763405},{"text":"Yeah.","start":1108.475,"end":1108.875,"sentiment":"neutral","sentiment_score":-0.04325570166110992},{"text":"There was there was two folders and and when I went through everything, and there was only one one bundle that looked like is all I needed to read.","start":1108.875,"end":1122.97,"sentiment":"neutral","sentiment_score":-0.10375677922676349},{"text":"So or read through anyhow, and that's what I've done.","start":1122.97,"end":1126.4099,"sentiment":"neutral","sentiment_score":-0.13904100731015206}],"sentiment":"neutral","sentiment_score":-0.10897957045762312,"num_words":42,"start":1102.635,"end":1126.4099},{"sentences":[{"text":"So I don't know.","start":1126.4099,"end":1128.0651,"sentiment":"neutral","sentiment_score":-0.2370043322443962},{"text":"The other other only other thing is if oh, I don't know whether I can bloody electronically sign anything on my phone anyhow.","start":1128.0651,"end":1140.085,"sentiment":"neutral","sentiment_score":-0.09111516372017238},{"text":"Yeah.","start":1199.8099,"end":1200.13,"sentiment":"neutral","sentiment_score":0.07598841190338135},{"text":"Yeah.","start":1200.13,"end":1200.63,"sentiment":"neutral","sentiment_score":0.11880667507648468},{"text":"Yeah.","start":1215.025,"end":1215.525,"sentiment":"neutral","sentiment_score":0.2479727566242218}],"sentiment":"neutral","sentiment_score":-0.08669660836458207,"num_words":30,"start":1126.4099,"end":1215.525},{"sentences":[{"text":"You you you get you can go get home early tonight if you like.","start":1225.4601,"end":1228.76,"sentiment":"positive","sentiment_score":0.5772736668586731},{"text":"Is there any other afternoon or Well, let's let's just say Wednesday night or something like that.","start":1229.38,"end":1264.165,"sentiment":"neutral","sentiment_score":0.16135094314813614},{"text":"And whatever time you get here or roundabout, and I'll just yeah.","start":1267.665,"end":1276.54,"sentiment":"neutral","sentiment_score":0.05622995893160502},{"text":"Probably more than yeah.","start":1276.54,"end":1281.1799,"sentiment":"neutral","sentiment_score":0.003411330748349428},{"text":"Five, 05:30 or even yeah.","start":1281.1799,"end":1283.1799,"sentiment":"neutral","sentiment_score":0.006363843940198422}],"sentiment":"neutral","sentiment_score":0.2220196426810267,"num_words":52,"start":1225.4601,"end":1283.1799},{"sentences":[{"text":"Towards probably 05:30 is gonna be better.","start":1283.1799,"end":1285.44,"sentiment":"neutral","sentiment_score":0.005375711413632546},{"text":"Yeah.","start":1288.46,"end":1288.86,"sentiment":"neutral","sentiment_score":0.012500213459134102},{"text":"Because some some afternoons, I can get stuck and get home.","start":1288.86,"end":1295.255,"sentiment":"neutral","sentiment_score":-0.0317610234699466},{"text":"Like, I might have to get home now.","start":1295.5549,"end":1297.5549,"sentiment":"neutral","sentiment_score":-0.038546137511730194},{"text":"You know?","start":1297.5549,"end":1298.135,"sentiment":"neutral","sentiment_score":-0.012457937933504581}],"sentiment":"neutral","sentiment_score":-0.021811242785369014,"num_words":29,"start":1283.1799,"end":1298.135},{"sentences":[{"text":"And and then some afternoons, I might I might be here at bloody 04:00.","start":1299.075,"end":1304.695,"sentiment":"neutral","sentiment_score":-0.027781924765024866},{"text":"It's I don't know until the day.","start":1305.71,"end":1308.6901,"sentiment":"neutral","sentiment_score":-0.08635394807372775},{"text":"But it's like to be anywhere.","start":1310.03,"end":1311.41,"sentiment":"neutral","sentiment_score":-0.15921266625324884},{"text":"Yeah.","start":1312.11,"end":1312.43,"sentiment":"neutral","sentiment_score":-0.017708364874124527},{"text":"It can be anywhere.","start":1312.43,"end":1313.31,"sentiment":"neutral","sentiment_score":-0.004720322089269757}],"sentiment":"neutral","sentiment_score":-0.062040319811785594,"num_words":32,"start":1299.075,"end":1313.31},{"sentences":[{"text":"You know?","start":1313.31,"end":1313.55,"sentiment":"neutral","sentiment_score":-0.001133242854848504},{"text":"I could be coming from Bloody Tweed Heads or something and sitting in traffic for an hour and a half, you know, or or whatever.","start":1313.55,"end":1319.65,"sentiment":"neutral","sentiment_score":-0.0013940593972802161},{"text":"So yeah.","start":1319.805,"end":1323.1051,"sentiment":"neutral","sentiment_score":0.06276846677064896},{"text":"Well, actually, I had a good run from Springwood just now, from Currabi to here.","start":1325.405,"end":1329.905,"sentiment":"positive","sentiment_score":0.4501851280530294},{"text":"It was versus the speed limit all the way back here.","start":1330.6051,"end":1334.385,"sentiment":"neutral","sentiment_score":0.30024178190664813}],"sentiment":"neutral","sentiment_score":0.18443373608487573,"num_words":55,"start":1313.31,"end":1334.385},{"sentences":[{"text":"So wait.","start":1335.69,"end":1339.79,"sentiment":"positive","sentiment_score":0.4208834171295166},{"text":"Yeah.","start":1343.85,"end":1344.09,"sentiment":"neutral","sentiment_score":0.26243773102760315},{"text":"Oh, that doesn't worry me much.","start":1344.09,"end":1345.69,"sentiment":"neutral","sentiment_score":0.09531637157003085},{"text":"Mhmm.","start":1345.69,"end":1346.01,"sentiment":"neutral","sentiment_score":0.031800996512174606},{"text":"It's funny that you're in front of you.","start":1346.01,"end":1347.95,"sentiment":"neutral","sentiment_score":0.013021453632973135}],"sentiment":"neutral","sentiment_score":0.10067085668237673,"num_words":18,"start":1335.69,"end":1347.95},{"sentences":[{"text":"Yeah.","start":1352.665,"end":1352.985,"sentiment":"neutral","sentiment_score":0.0004343325272202492},{"text":"I know.","start":1352.985,"end":1353.5651,"sentiment":"neutral","sentiment_score":-0.003839183133095503},{"text":"Yeah.","start":1355.0651,"end":1355.225,"sentiment":"neutral","sentiment_score":0.003898751921951771},{"text":"So where where's your office?","start":1355.225,"end":1356.685,"sentiment":"neutral","sentiment_score":0.004249760694801807},{"text":"Where's your office?","start":1358.585,"end":1359.645,"sentiment":"neutral","sentiment_score":0.02171342819929123}],"sentiment":"neutral","sentiment_score":0.006920317187905312,"num_words":12,"start":1352.665,"end":1359.645},{"sentences":[{"text":"Iron Southport.","start":1360.505,"end":1361.485,"sentiment":"neutral","sentiment_score":0.01043851301074028},{"text":"K.","start":1370.08,"end":1370.58,"sentiment":"neutral","sentiment_score":0.008694086223840714},{"text":"Mhmm.","start":1376.5599,"end":1376.72,"sentiment":"neutral","sentiment_score":0.01738414540886879},{"text":"Sheffield.","start":1376.72,"end":1377.22,"sentiment":"neutral","sentiment_score":0.016924023628234863},{"text":"Yeah.","start":1382.135,"end":1382.615,"sentiment":"neutral","sentiment_score":0.07840803265571594}],"sentiment":"neutral","sentiment_score":0.02371455232302348,"num_words":6,"start":1360.505,"end":1382.615},{"sentences":[{"text":"That's that's yeah.","start":1382.615,"end":1388.455,"sentiment":"neutral","sentiment_score":0.05290205962955952},{"text":"Well, I've I've been here a bit longer than that, I think.","start":1388.455,"end":1391.915,"sentiment":"neutral","sentiment_score":-0.02199767855927348},{"text":"'93.","start":1392.535,"end":1393.4349,"sentiment":"neutral","sentiment_score":-0.0046700541861355305},{"text":"Yeah.","start":1402.59,"end":1403.09,"sentiment":"neutral","sentiment_score":0.005897210910916328},{"text":"Alright.","start":1403.15,"end":1403.65,"sentiment":"neutral","sentiment_score":0.05290102958679199}],"sentiment":"neutral","sentiment_score":-0.002840987639501691,"num_words":18,"start":1382.615,"end":1403.65},{"sentences":[{"text":"Alright.","start":1404.4299,"end":1404.83,"sentiment":"neutral","sentiment_score":0.08507569879293442},{"text":"Well, see you then, and I'll is all everything that I've got assigned, you left here, or you're gonna bring some other stuff?","start":1404.83,"end":1417.095,"sentiment":"neutral","sentiment_score":0.11866908682429272},{"text":"Yep.","start":1425.49,"end":1425.99,"sentiment":"neutral","sentiment_score":0.04714056849479675},{"text":"Okay.","start":1428.4501,"end":1428.9501,"sentiment":"neutral","sentiment_score":0.10105225443840028},{"text":"Yep.","start":1451.56,"end":1452.06,"sentiment":"neutral","sentiment_score":0.10739439725875854}],"sentiment":"neutral","sentiment_score":0.11370562651643047,"num_words":27,"start":1404.4299,"end":1452.06},{"sentences":[{"text":"Yep.","start":1452.76,"end":1453.26,"sentiment":"neutral","sentiment_score":0.05083967372775078},{"text":"Yep.","start":1457.96,"end":1458.2,"sentiment":"neutral","sentiment_score":0.06617816537618637},{"text":"Yeah.","start":1458.2,"end":1458.7,"sentiment":"neutral","sentiment_score":0.11498822271823884},{"text":"Alright.","start":1458.76,"end":1459.26,"sentiment":"neutral","sentiment_score":0.1373300552368164},{"text":"Alright.","start":1460.12,"end":1460.6,"sentiment":"neutral","sentiment_score":0.13440832495689392}],"sentiment":"neutral","sentiment_score":0.10074888840317726,"num_words":5,"start":1452.76,"end":1460.6},{"sentences":[{"text":"Well, we'll leave it all at that.","start":1460.6,"end":1463.26,"sentiment":"neutral","sentiment_score":0.17841647139617375},{"text":"Yep.","start":1467.355,"end":1467.6749,"sentiment":"positive","sentiment_score":0.34767335653305054},{"text":"Okay then.","start":1467.6749,"end":1468.315,"sentiment":"positive","sentiment_score":0.47604286670684814},{"text":"That'll be great.","start":1468.315,"end":1469.135,"sentiment":"positive","sentiment_score":0.7944560647010803},{"text":"Yeah.","start":1474.475,"end":1474.875,"sentiment":"positive","sentiment_score":0.43917953968048096}],"sentiment":"positive","sentiment_score":0.38365872310740606,"num_words":14,"start":1460.6,"end":1474.875},{"sentences":[{"text":"You too.","start":1474.875,"end":1475.515,"sentiment":"positive","sentiment_score":0.3541495054960251},{"text":"Alright.","start":1475.515,"end":1475.915,"sentiment":"neutral","sentiment_score":0.22942177951335907},{"text":"Bye.","start":1475.915,"end":1476.4109,"sentiment":"neutral","sentiment_score":0.20068125426769257},{"text":"Sorry.","start":1478.1709,"end":1478.6709,"sentiment":"neutral","sentiment_score":-0.12485618144273758}],"sentiment":"neutral","sentiment_score":0.20270917266607286,"num_words":5,"start":1474.875,"end":1478.6709}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Vida. How are you going?\n\nChannel 1: Hey. Good.\n\nChannel 0: That's good.\n\nChannel 1: I thought you were gonna ring me back past week sometime.\n\nChannel 0: I tried to give you a call. What day was that? Thursday last week.\n\nChannel 1: Alright. I must have missed it.\n\nChannel 0: No. That's okay. Yeah. I tried to give you a call. It didn't I couldn't get you when I had it in my calendar.\n\nI was gonna give you a call Tuesday to Wednesday. I've better remind\n\nChannel 1: Yeah.\n\nChannel 0: for myself.\n\nChannel 1: Oh, yeah. Okay. All good.\n\nChannel 0: How is how is your trip?\n\nChannel 1: Oh, no. That was all good. Good up there and back again. So yeah. There is\n\nChannel 0: Have fun with the family?\n\nChannel 1: yeah. Well, picked up the old man and see my brother and his wife, and he's one of his sons and wife and two young kids now. Alright. Yeah. And a few others.\n\nSo, yeah, all good.\n\nChannel 0: It didn't get raining down. Anything\n\nChannel 1: No. No. No. It was fine. So no no rain up there.\n\nRight. Yeah. Anyhow, I did manage to have a look through that\n\nChannel 0: Yes.\n\nChannel 1: paperwork, the one that I think I was what I really had to read through.\n\nChannel 0: Yeah.\n\nChannel 1: And I haven't got it in front of me, but yeah. To I think I'll well, alright. The the prices that I've got a that you put in there, one was so much money that it looks like to change over all your all my super in that. Is that just a a one off thing, or what what happens with that? And\n\nChannel 0: Yep. So yeah. Sorry. I can't ask all the questions, and I'll get that answered.\n\nChannel 1: no. Well, that that was that that we'll just leave that as the first question. So that looked like I don't know. It was, well, $5 or something. So that that's for you guys to, what, get me out of this one and get get into that one and whatever.\n\nIs that right? Or\n\nChannel 0: Yep. Yeah. So yeah. So there's I mean, all the fees are are written on the on, like, the final page. It basically outlines all the bits and pieces to do with what advice we're basically giving you and where everything kind of fits as a total for an initial, and then there's also the the total for, like, annual, so ongoing advice.\n\nSo, obviously, if you don't wanna have an ongoing adviser helping you out, then we don't have to enter into ongoing advice as I think we sort of talked about that. But, otherwise, what we would realistically do is that sort of $4.09 50 would be or $5 would be the cost for us to transfer everything over, set up your funds, make sure that the investments were going, get those final paperwork in place, get the beneficiary forms happening, look after everything in the transfer and and take care of everything for you. And then, yeah, if you want ongoing advice, so as we talked about, you know, as we sell the the the cars, putting money in, sheltering the money away, everything like that, doing the application forms for our Centrelink applications when we get that far. That's all part of the, like, annual ongoing cost, which is sort of break broken down there as well, which is about 1.65% of the balance. I I'm on the road.\n\nI literally walked out of a client meeting, walked past\n\nChannel 1: Yeah.\n\nChannel 0: Michelle, who you were on the phone to earlier, and she was like, can you call Peter? I was like, 100%. I'll do it from the road. I\n\nChannel 1: Yeah.\n\nChannel 0: jumped\n\nChannel 1: Yeah.\n\nChannel 0: on the phone call to another client, and then I I walked out. So I'm I'm on the road right now.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So I don't have the figures in front of me, but,\n\nChannel 1: He said\n\nChannel 0: yeah,\n\nChannel 1: no.\n\nChannel 0: that's that's\n\nChannel 1: So\n\nChannel 0: that's\n\nChannel 1: is\n\nChannel 0: sort of what it would be. Mhmm.\n\nChannel 1: that so is that ongoing thing, is that a yearly thing, obviously?\n\nChannel 0: So we charge it monthly. Like, it's prorated per month. So you you're able to basically turn around and go, hey. Look. You know, you've done everything that I need you to do.\n\nSo say we get to, you know, you're retiring and we set up your pension your, you know, your pension and all the rest of the stuff, and you turn around and go, cool. You've done everything I I need you to do. I'm happy and comfortable with where everything fits. I wanna dissolve the relationship. I'll go I'll give you a handshake, a pat on the back, and I'll say good luck with everything.\n\nGive me a call if you run to any issues or you need any more advice.\n\nChannel 1: Yeah.\n\nChannel 0: And it it's it's no problem. Like, I'm I'm happy to you know? Sometimes relationships I build over years. Like, you know, I have I have clients that I first met a decade ago that are that have followed me from different firms that I still have as clients, and\n\nChannel 1: Yeah.\n\nChannel 0: I've helped them through different life stages, you know, buying, building, having kids, all the rest of it. And then I do have clients that do just pop in and pop out. They might come and see me once every couple of years to just have a bit of a touch base. Hey. I just wanna see what's happening.\n\nLittle bit of advice here and there. And then I do have you know? And I have clients that are with me to use. So it it's just it's independent of each. But, essentially, if you want ongoing advice, and it gives you access to me at any point, you know, I I'll give you a call generally within a week or a few days of you needing a, you know, needing a meeting.\n\nBut it gives you access to me and my team at at any point in time.\n\nChannel 1: Yeah. Well, I think I'd like you to do the super thing because that sounds like it's\n\nChannel 0: Yeah.\n\nChannel 1: gonna work a lot better than the way I've got it at the moment\n\nChannel 0: Yeah.\n\nChannel 1: to the little time left that I will be working, which as I said, it might be Christmas. It might be April next year. I'm thinking now. It depends on\n\nChannel 0: Yeah.\n\nChannel 1: so if I do that and then there's really nothing much to do then until I decide on a date when I'm gonna stop working. Is that right? Or\n\nChannel 0: So, realistically, what I'd probably recommend with you at a minimum is that we basically engage in, like, a a relationship for twelve months minimum. So that way in that twelve months, I'm able to help you with your applications. Like, I can come and sit at your house one afternoon, or you can come into the office, either way you're comfortable,\n\nChannel 1: Yeah.\n\nChannel 0: and we can go through the pension applications together, and and and and I can do that. We can, you know,\n\nChannel 1: Yeah.\n\nChannel 0: get everything done and and and set up for you. And then once it's all set up, you can you know, at the end of the twelve months type of thing or once it's set up, you can turn around and go thank you and, you know, hey. I'll touch base with you every couple of years, and I'll pay up, you know, one off advice fee every couple of years to do this, this, and this. And you don't have to have me as an ongoing relationship, you know, where I contact you every three months minimum and see how you're going. It could just be you know, I have you in my book to basically call once every two years to say, hey.\n\nDo you want any advice? What's happened changed? Or you call\n\nChannel 1: Yeah.\n\nChannel 0: me and say, hey. Unfortunately, dad passed away. I have this, this, and this\n\nChannel 1: No.\n\nChannel 0: that I now\n\nChannel 1: Yeah.\n\nChannel 0: need\n\nChannel 1: Yeah.\n\nChannel 0: to take in. And we can and we can you know, new advice. I'd you know? And we'd go from there.\n\nChannel 1: Well, I think, initially, as\n\nChannel 0: Yeah.\n\nChannel 1: you as as you just said, well, I I think I need someone to help me with it. So\n\nChannel 0: Yeah.\n\nChannel 1: there's a super thing in probably, as you said, the first twelve months or especially when I get to do all this pension retirement bullshit stuff. So\n\nChannel 0: Yeah.\n\nChannel 1: yeah. And yeah. And as I said, you know, look, I'm I'm I know I've said I'm gonna sell this, sell that, sell this, but it's it may not be until I actually retire. But then I've been thinking maybe I should sell some of this before I retire so it's not\n\nChannel 0: The sooner you sell it, the better it is for you. But at the same time, I know that sometimes uploading your specialty cars to the right person at the right price can be\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: a timely\n\nChannel 1: Got\n\nChannel 0: thing.\n\nChannel 1: it. So and the other thing\n\nChannel 0: You know, we're\n\nChannel 1: is\n\nChannel 0: not\n\nChannel 1: yeah. Go on.\n\nChannel 0: I was gonna say, we're not just getting rid of a, you know, 2,000 Corolla.\n\nChannel 1: No. No. No. No. Well, well, there's only one well, big one.\n\nThe crewmen's hopefully hopefully, I'll get 7 or $8 for it, you know, and the and the bikes will whatever. You know? It's the same. It's not a big money\n\nChannel 0: Yeah.\n\nChannel 1: thing. Yeah. So and and the way that was worded, you you take your payment for changing super out of out of my super, do you?\n\nChannel 0: Correct. Yeah. So, like, it can come out of your back pocket if you want it to. But generally speaking, we just we take it out of the super fund because it's a lot easier on you, you know,\n\nChannel 1: Yeah.\n\nChannel 0: cash flow wise, not needing to\n\nChannel 1: Yeah.\n\nChannel 0: come up with the money.\n\nChannel 1: Yeah. Alright. Alright. Yeah.\n\nChannel 0: Is\n\nChannel 1: Alright.\n\nChannel 0: that\n\nChannel 1: Well, I'm\n\nChannel 0: all the questions you had? Or\n\nChannel 1: no. Pretty much it. Yeah. So\n\nChannel 0: yeah.\n\nChannel 1: I think yeah. It's at the end of the day, we'll we'll change the super over. We'll do the probably the twelve month thing, I guess. But\n\nChannel 0: Yeah.\n\nChannel 1: when when will the twelve month thing start, so I suppose as soon as you change the super over, is it right? Or\n\nChannel 0: Yeah. The the twelve months will start from the super like, when we change the super over, we will we'll be it like, we'll call you every three months. Like, after everything's set up, we'll call you every three months. So the setup will take you know, my team will be on the phone to you, and they'll go through the applications, and they'll submit everything. And you'll get a few phone calls over the next couple of weeks once you sign to actually, you know, implement everything.\n\nAnd\n\nChannel 1: Yeah.\n\nChannel 0: and then once it's all implemented, we'll basically touch base with you every three months just to, hey. How are you going? How's everything going? Do you have any questions, advice, needs, or anything like that? And then at the twelve months, we basically schedule you in for your like, if we it's like an annual review.\n\nSo, like, you know, we on the annum, we sort of give you a call and and schedule and and and go through where you're at, touch base with everything. But, realistically, for you if you're looking to retire soonish, we may even need to do, like, an advice piece, you know, depending on what you decide when you retire, whether it's December. And, like, because we're in April now or\n\nChannel 1: Yeah.\n\nChannel 0: nearly in May, but you know, my team will be in touch with you, like, sort of July, August, like, July, early August, and then, you know, again, sort of, like, November. And by, you know, August and November, you'll probably have a pretty good idea as to what you're doing. And if you're retiring come December, then, you know, they'll schedule you in, and I'll, you know, be on the phone to you pretty pretty immediately to dot the i's, cross the t's, so to speak, get everything happening and implemented. If you turn around to, you know, my team is saying, no. I'm not doing it until I've decided April or I've decided June\n\nChannel 1: Yeah.\n\nChannel 0: or May or whatever the case may be, then yeah. And we'll just touch base. If you want me to, you know, call you every month, I can do that too, but most people get sick and tired of hearing my voice.\n\nChannel 1: Well, say well, just say for argument's sake, oh, retirement expert's day. Alright? So to start mucking around with all the pension stuff, that can't actually take place until I've actually stopped work, can it, I think? Or can you\n\nChannel 0: No.\n\nChannel 1: use\n\nChannel 0: It\n\nChannel 1: the\n\nChannel 0: it can. Remind remind me when your birthday is.\n\nChannel 1: step? The April 3.\n\nChannel 0: April 3. Cool. You can do applications for Age Pension ninety days before age. So you can submit so you basically, we could sit down, you know, say February. It'll be early January, but January is kind of a bit of a messy month because of holidays.\n\nBut let's just say we sit down, like, January, early February. We could sit down then and do applications for pension, and they would start the assessment for it. The earlier you get it in, the better because, realistically, pension assessment does take its time. The frustrating part is is that until you retire and submit, like, the final declaration of I have retired, they won't finalize your application. But you can have it in there as pending.\n\nYou'll have a case manager. They'll start the assessment. They'll just want the confirmation of the date you finish work,\n\nChannel 1: Yeah.\n\nChannel 0: and then they can finalize the payments. With respect to the Superfund pension, because there's two pensions. There's the age pension from Central Bank, and then there's, like, Superfund pension payment. That payment cannot start until well, that account can't even be set up until you declare you're\n\nChannel 1: Yeah.\n\nChannel 0: retired. But\n\nChannel 1: Yeah.\n\nChannel 0: by that point, I'll have a date, and we can I could pre do the application knowing what date you're finishing? We can pre sign off on everything. It's just I can't submit the paperwork until basically the day you retire or the day after\n\nChannel 1: Yeah.\n\nChannel 0: you retire. But every everything can happen. I can make everything happen pretty quickly because it'll all happen in species within the account. So it just it shifts over one day, and it's there. I can I can make it pretty fluid through?\n\nIt's just a matter of if you're expecting to retire and then getting a get a payment, I need to realign your expectations because it's definitely not gonna happen. But you can definitely have a payment within a week or two.\n\nChannel 1: Yep. Alright. And the city that boat that I was gonna pick up, I was gonna take that out of my super. So is that still gonna happen with this\n\nChannel 0: That's\n\nChannel 1: other\n\nChannel 0: still\n\nChannel 1: phone number?\n\nChannel 0: that that can definitely still happen. You basically just let me know, and I can make it the withdrawal happen. So,\n\nChannel 1: Yep.\n\nChannel 0: like, don't what I I guess let me let me phrase it. If you if you're ready to go and start looking at a boat, I would love it if you could tell me, hey. I'm starting to look. I reckon I could have a boat secured within two weeks. And if I could have that two weeks, that would be great.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Because\n\nChannel 1: No. Basically\n\nChannel 0: I would need I need I need to add your bank details to your account, and that takes three days, and that is out of my control.\n\nChannel 1: yeah. Yeah. Well, it's I've actually put a deposit on it's only a tinny last year sometime, and\n\nChannel 0: Yep.\n\nChannel 1: I'm not and I'm not picking it up till August or around about then. So and\n\nChannel 0: Easy.\n\nChannel 1: and I'm think I think it well, hopefully, I might be able to add a little bit to it, but it's probably gonna be about $13 or something like that.\n\nChannel 0: Yeah. I I had written down 12 in my notes as\n\nChannel 1: Yeah.\n\nChannel 0: as sort\n\nChannel 1: Something\n\nChannel 0: of what we\n\nChannel 1: yeah.\n\nChannel 0: had to\n\nChannel 1: Yeah.\n\nChannel 0: start there.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Alright. Alright. Well, anyhow\n\nChannel 0: No. That's that's that's absolutely fine. And what and, you know, again, like, my team will be in contact with you July\n\nChannel 1: Yeah.\n\nChannel 0: ish. So I'll just make sure that we definitely are calling you July, not August.\n\nChannel 1: Yeah.\n\nChannel 0: So that way, when they call you, you can say, hey. It is blah amount that I need to withdraw. Larissa's aware. Get her to call me. And\n\nChannel 1: Yep.\n\nChannel 0: I can just call you because I can do the steps that I need to to withdraw the money to do the thing.\n\nChannel 1: Yep. Alright. Okay. Well, what do I need to start with? I know there was some paperwork in there that looks like I had to sign, but is that it or what?\n\nChannel 0: There is. Would you like because what you can do is you can keep that paperwork if you want, and I can just send you the the same document, and you can electronically sign them if you're comfortable to do that. Otherwise, you can definitely go through all of the documents\n\nChannel 1: Nope.\n\nChannel 0: and sign, but it's I don't it's not all of them. There's still a couple others to sign, like the application forms and stuff like that. I don't I actually can't remember what I dropped off to you now. It'd be in my notes as to why I printed out, but\n\nChannel 1: There's a lot there's a\n\nChannel 0: I\n\nChannel 1: lot\n\nChannel 0: can't\n\nChannel 1: of\n\nChannel 0: drive\n\nChannel 1: stuff\n\nChannel 0: in\n\nChannel 1: there.\n\nChannel 0: computer.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: I I actually have a feeling now that I think about it that I may have printed everything.\n\nChannel 1: Yeah. There was there was two folders and and when I went through everything,\n\nChannel 0: Yeah. There was. Wasn't there?\n\nChannel 1: and there was only one\n\nChannel 0: There's a lot.\n\nChannel 1: one bundle that looked like is all I needed to read. So or read through anyhow, and that's what I've done. So I don't know. The\n\nChannel 0: Yeah.\n\nChannel 1: other other only other thing is if oh, I don't know whether I can bloody electronically sign anything on my phone\n\nChannel 0: On\n\nChannel 1: anyhow.\n\nChannel 0: your phone. No. It's okay. Well, we can do one of two options. I'm on the m one heading to Olmo.\n\nSo if you are amenable to a visit, I can always pop over and we can find them, and I can show you where to find. And then I can take the documents with you. I'll scan them in, and then I can email you tomorrow a copy of the signed documents. That way you have a copy. Or if you want, I can take a copy and then drop off a signed version of them, you know, post them to you type of thing.\n\nOr if you would like, I can leave you to your own devices to attempt to sign them. Or you you'll be able to electronically sign them on your phone. It's just it's a bit of a pain because of the size of the screen versus the document, but it's not impossible to do. It's just painful from a viewing point of view for you, not for me. It'll come through fine for me.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: But I'm I'm happy to pop in and and come and help you sign them tonight or at night during the week. It's I've I've done, like, two seventy hour weeks, so I decided I would try and leave work at a reasonable time and\n\nChannel 1: Yeah.\n\nChannel 0: actually go home and see my family tonight. Not that I got out at 04:00 like I was I was planning, but I got out before five. That was impressive.\n\nChannel 1: You you you get you can go get home early tonight if you like. Is there any other afternoon or\n\nChannel 0: I'm I can be yours any night you want. I'm pretty sure my my calendar is actually pretty free this week. Not a thing to do, but I don't have anything scheduled. I'm on my own dime. So what night works for you?\n\nChannel 1: Well, let's let's just say Wednesday night or something like that.\n\nChannel 0: Perfect. Wednesday night it is.\n\nChannel 1: And whatever time you get here or roundabout, and I'll just\n\nChannel 0: Five, 05:30.\n\nChannel 1: yeah. Probably more than yeah. Five, 05:30 or even yeah. Towards probably 05:30 is gonna be better.\n\nChannel 0: 05:36 it is. Yeah.\n\nChannel 1: Yeah. Because some some afternoons, I can get stuck and get home. Like, I might have to get home now. You know? And\n\nChannel 0: Yeah.\n\nChannel 1: and then some afternoons, I might I might be here at bloody 04:00. It's I don't know until the day. But it's\n\nChannel 0: No.\n\nChannel 1: like to be\n\nChannel 0: I\n\nChannel 1: anywhere.\n\nChannel 0: I get it.\n\nChannel 1: Yeah. It can be anywhere. You know? I could be coming from Bloody Tweed Heads or something and sitting in traffic for an hour and a half, you know, or or whatever. So yeah.\n\nChannel 0: Yes.\n\nChannel 1: Well, actually, I had a good run from Springwood just now, from Currabi to here. It was versus the speed limit all the way back here. So\n\nChannel 0: Oh, that's impressive. And\n\nChannel 1: wait.\n\nChannel 0: in the right. Very impressive.\n\nChannel 1: Yeah. Oh, that doesn't worry me much. Mhmm. It's funny that you're in front of you.\n\nChannel 0: No. Correct. It doesn't worry to hear you, but it's every other person that can't drive.\n\nChannel 1: Yeah. I know. Yeah. So where where's your office?\n\nChannel 0: Oh, perfect. We're\n\nChannel 1: Where's\n\nChannel 0: in\n\nChannel 1: your\n\nChannel 0: Southport.\n\nChannel 1: office? Iron Southport.\n\nChannel 0: Yeah. So south yeah. So Southport. Yeah. And then I live in almost I think I'm oh, no.\n\nChannel 1: K.\n\nChannel 0: There's there's a couple other staff members that are both north and north. But yeah.\n\nChannel 1: Mhmm. Sheffield.\n\nChannel 0: Well, my husband's in Brisbane. I'm in Southport, so it's perfectly halfway between the two.\n\nChannel 1: Yeah. That's\n\nChannel 0: And like\n\nChannel 1: that's\n\nChannel 0: I said, I've been I've been in all my for thirty years, so I think I could win.\n\nChannel 1: yeah. Well, I've I've been here a bit longer than that, I think. '93.\n\nChannel 0: Oof. Yeah. No. Got in in '94. Sorry.\n\nOne year shorter than you.\n\nChannel 1: Yeah. Alright. Alright. Well,\n\nChannel 0: Perfect.\n\nChannel 1: see you then, and I'll is all everything that I've got assigned, you left here, or you're gonna bring some other stuff?\n\nChannel 0: I will I'm 90% I'm 95% sure, but I'll check before I come Wednesday\n\nChannel 1: Yep.\n\nChannel 0: that everything that needs to be signed is with you. So what I'll\n\nChannel 1: Okay.\n\nChannel 0: do is I'll I'll we'll just sign the documents that you have in front of you, and then I will take them to work. I'll scan them and, obviously, save them on your file and submit everything you may need to submit. And and then I'll I'll I will email you a copy of the signed documents, and I'll also print out a copy of the the statement of advice, and I'll post it\n\nChannel 1: Yep.\n\nChannel 0: to you again. And\n\nChannel 1: Yep.\n\nChannel 0: by post, I mean, I'll drop it into your letterbox because I literally have to drive past the house.\n\nChannel 1: Yep. Yeah. Alright. Alright. Well, we'll leave it all at that.\n\nChannel 0: Perfect. I will see you Wednesday.\n\nChannel 1: Yep. Okay then. That'll be great.\n\nChannel 0: Perfect. Alright, Peter. You have a good evening.\n\nChannel 1: Yeah. You too. Alright. Bye.\n\nChannel 0: Bye.\n\nChannel 1: Sorry.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.8399999,"end":2.34,"sentiment":"neutral","sentiment_score":0.035761184990406036}],"sentiment":"neutral","sentiment_score":0.035761184990406036,"channel":1,"num_words":1,"start":1.8399999,"end":2.34},{"sentences":[{"text":"Hi, Vida.","start":3.76,"end":4.4,"sentiment":"neutral","sentiment_score":0.1708901897072792},{"text":"How are you going?","start":4.4,"end":5.38,"sentiment":"neutral","sentiment_score":0.28929387778043747}],"sentiment":"neutral","sentiment_score":0.2498259817560514,"channel":0,"num_words":6,"start":3.76,"end":5.38},{"sentences":[{"text":"Hey.","start":6.0,"end":6.3199997,"sentiment":"positive","sentiment_score":0.3627687692642212},{"text":"Good.","start":6.3199997,"end":6.8199997,"sentiment":"positive","sentiment_score":0.6123158931732178}],"sentiment":"positive","sentiment_score":0.4875423312187195,"channel":1,"num_words":2,"start":6.0,"end":6.8199997},{"sentences":[{"text":"That's good.","start":8.0,"end":8.9,"sentiment":"positive","sentiment_score":0.6628475785255432}],"sentiment":"positive","sentiment_score":0.6628475785255432,"channel":0,"num_words":2,"start":8.0,"end":8.9},{"sentences":[{"text":"I thought you were gonna ring me back past week sometime.","start":9.599999,"end":12.099999,"sentiment":"neutral","sentiment_score":0.06691210293634371}],"sentiment":"neutral","sentiment_score":0.06691210293634371,"channel":1,"num_words":11,"start":9.599999,"end":12.099999},{"sentences":[{"text":"I tried to give you a call.","start":13.615,"end":15.235001,"sentiment":"neutral","sentiment_score":0.005896217322775296},{"text":"What day was that?","start":16.255001,"end":17.315,"sentiment":"neutral","sentiment_score":-0.006359526189044118},{"text":"Thursday last week.","start":18.655,"end":20.115,"sentiment":"neutral","sentiment_score":-0.010575850028544664}],"sentiment":"neutral","sentiment_score":-0.001135152398741671,"channel":0,"num_words":14,"start":13.615,"end":20.115},{"sentences":[{"text":"Alright.","start":20.675,"end":21.175,"sentiment":"neutral","sentiment_score":-0.009731609374284744},{"text":"I must have missed it.","start":21.555,"end":23.575,"sentiment":"neutral","sentiment_score":-0.09710990041494369}],"sentiment":"neutral","sentiment_score":-0.0825468519081672,"channel":1,"num_words":6,"start":20.675,"end":23.575},{"sentences":[{"text":"No.","start":24.48,"end":24.72,"sentiment":"neutral","sentiment_score":-0.14381113648414612},{"text":"That's okay.","start":24.72,"end":25.44,"sentiment":"neutral","sentiment_score":-0.04049068130552769},{"text":"Yeah.","start":25.44,"end":25.68,"sentiment":"neutral","sentiment_score":0.0020256973803043365},{"text":"I tried to give you a call.","start":25.68,"end":26.72,"sentiment":"neutral","sentiment_score":-0.014502981810697488},{"text":"It didn't I couldn't get you when I had it in my calendar.","start":26.72,"end":30.96,"sentiment":"neutral","sentiment_score":-0.05376665752667647}],"sentiment":"neutral","sentiment_score":-0.04263559259319057,"channel":0,"num_words":24,"start":24.48,"end":30.96},{"sentences":[{"text":"I was gonna give you a call Tuesday to Wednesday.","start":30.96,"end":33.7,"sentiment":"neutral","sentiment_score":0.007187733985483646},{"text":"I've better remind","start":33.84,"end":34.64,"sentiment":"neutral","sentiment_score":-0.007264598893622558}],"sentiment":"neutral","sentiment_score":0.0038525802441514456,"channel":0,"num_words":13,"start":30.96,"end":34.64},{"sentences":[{"text":"Yeah.","start":34.559998,"end":35.059998,"sentiment":"neutral","sentiment_score":0.009622863493859768}],"sentiment":"neutral","sentiment_score":0.009622863493859768,"channel":1,"num_words":1,"start":34.559998,"end":35.059998},{"sentences":[{"text":"for myself.","start":34.64,"end":35.3,"sentiment":"neutral","sentiment_score":0.0030018938705325127}],"sentiment":"neutral","sentiment_score":0.0030018938705325127,"channel":0,"num_words":2,"start":34.64,"end":35.3},{"sentences":[{"text":"Oh, yeah.","start":36.0,"end":36.48,"sentiment":"neutral","sentiment_score":0.09271378815174103},{"text":"Okay.","start":36.48,"end":36.98,"sentiment":"neutral","sentiment_score":0.15574318170547485},{"text":"All good.","start":37.12,"end":37.86,"sentiment":"positive","sentiment_score":0.3612401485443115}],"sentiment":"neutral","sentiment_score":0.212730211019516,"channel":1,"num_words":5,"start":36.0,"end":37.86},{"sentences":[{"text":"How is how is your trip?","start":37.475002,"end":40.935,"sentiment":"neutral","sentiment_score":0.22195513546466827}],"sentiment":"neutral","sentiment_score":0.22195513546466827,"channel":0,"num_words":6,"start":37.475002,"end":40.935},{"sentences":[{"text":"Oh, no.","start":41.705,"end":42.025,"sentiment":"neutral","sentiment_score":0.0829012356698513},{"text":"That was all good.","start":42.025,"end":42.985,"sentiment":"neutral","sentiment_score":0.3276570439338684},{"text":"Good up there and back again.","start":42.985,"end":44.445,"sentiment":"positive","sentiment_score":0.45300571123758954},{"text":"So yeah.","start":46.425003,"end":47.245003,"sentiment":"neutral","sentiment_score":0.17982373386621475},{"text":"There is","start":47.385002,"end":47.705,"sentiment":"neutral","sentiment_score":0.17087004333734512}],"sentiment":"neutral","sentiment_score":0.30599077930673957,"channel":1,"num_words":16,"start":41.705,"end":47.705},{"sentences":[{"text":"Have fun with the family?","start":47.955,"end":49.255,"sentiment":"positive","sentiment_score":0.3645435571670532}],"sentiment":"positive","sentiment_score":0.3645435571670532,"channel":0,"num_words":5,"start":47.955,"end":49.255},{"sentences":[{"text":"yeah.","start":50.905003,"end":51.225002,"sentiment":"neutral","sentiment_score":0.11000913381576538},{"text":"Well, picked up the old man and see my brother and his wife, and he's one of his sons and wife and two young kids now.","start":51.225002,"end":60.96,"sentiment":"neutral","sentiment_score":0.06867555299630532},{"text":"Alright.","start":62.54,"end":63.04,"sentiment":"neutral","sentiment_score":0.08616932481527328},{"text":"Yeah.","start":63.260002,"end":63.760002,"sentiment":"neutral","sentiment_score":0.08328157663345337},{"text":"And a few others.","start":64.22,"end":65.26,"sentiment":"neutral","sentiment_score":0.0852311123162508}],"sentiment":"neutral","sentiment_score":0.07290754128586162,"channel":1,"num_words":33,"start":50.905003,"end":65.26},{"sentences":[{"text":"So, yeah, all good.","start":65.26,"end":66.675,"sentiment":"neutral","sentiment_score":0.28436803817749023}],"sentiment":"neutral","sentiment_score":0.28436803817749023,"channel":1,"num_words":4,"start":65.26,"end":66.675},{"sentences":[{"text":"It didn't get raining down.","start":69.915,"end":71.035,"sentiment":"neutral","sentiment_score":0.03931035548448562},{"text":"Anything","start":71.035,"end":71.535,"sentiment":"neutral","sentiment_score":-0.00976599007844925}],"sentiment":"neutral","sentiment_score":0.031130964557329815,"channel":0,"num_words":6,"start":69.915,"end":71.535},{"sentences":[{"text":"No.","start":72.515,"end":72.83501,"sentiment":"neutral","sentiment_score":-0.04117557033896446},{"text":"No.","start":72.83501,"end":73.075005,"sentiment":"neutral","sentiment_score":-0.04736083000898361},{"text":"No.","start":73.075005,"end":73.575005,"sentiment":"neutral","sentiment_score":-0.04463468119502067},{"text":"It was fine.","start":73.635,"end":74.695,"sentiment":"neutral","sentiment_score":0.02527657027045886},{"text":"So no no rain up there.","start":76.115005,"end":79.015,"sentiment":"neutral","sentiment_score":-0.008793369556466738}],"sentiment":"neutral","sentiment_score":-0.009175132339199385,"channel":1,"num_words":12,"start":72.515,"end":79.015},{"sentences":[{"text":"Right.","start":80.51,"end":81.01,"sentiment":"neutral","sentiment_score":0.02418092265725136},{"text":"Yeah.","start":82.35,"end":82.590004,"sentiment":"neutral","sentiment_score":0.020109646022319794},{"text":"Anyhow, I did manage to have a look through that","start":82.590004,"end":88.37,"sentiment":"neutral","sentiment_score":0.018784858472645282}],"sentiment":"neutral","sentiment_score":0.019344929450501997,"channel":1,"num_words":12,"start":80.51,"end":88.37},{"sentences":[{"text":"Yes.","start":88.425,"end":88.925,"sentiment":"neutral","sentiment_score":0.0032084807753562927}],"sentiment":"neutral","sentiment_score":0.0032084807753562927,"channel":0,"num_words":1,"start":88.425,"end":88.925},{"sentences":[{"text":"paperwork, the one that I think I was what I really had to read through.","start":88.67,"end":93.81,"sentiment":"neutral","sentiment_score":-0.017500873655080795}],"sentiment":"neutral","sentiment_score":-0.017500873655080795,"channel":1,"num_words":15,"start":88.67,"end":93.81},{"sentences":[{"text":"Yeah.","start":95.065,"end":95.565,"sentiment":"neutral","sentiment_score":-0.030657920986413956}],"sentiment":"neutral","sentiment_score":-0.030657920986413956,"channel":0,"num_words":1,"start":95.065,"end":95.565},{"sentences":[{"text":"And I haven't got it in front of me, but yeah.","start":96.185005,"end":103.965004,"sentiment":"neutral","sentiment_score":-0.06065004420551387},{"text":"To I think I'll well, alright.","start":105.465004,"end":109.69,"sentiment":"neutral","sentiment_score":-0.04259162209928036},{"text":"The the prices that I've got a that you put in there, one was so much money that it looks like to change over all your all my super in 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Yeah.","start_word":775,"end_word":791,"intents":[{"intent":"Inform about call","confidence_score":0.000005720974},{"intent":"Provide advice","confidence_score":0.17795075}]},{"text":"Like, you know, I have I have clients that I first met a decade ago that are that have followed me from different firms that I still have as clients, and Yeah. I've helped them through different life stages, you know, buying, building, having kids, all the rest of it. And then I do have clients that do just pop in and pop out. They might come and see me once every couple of years to just have a bit of a touch base.","start_word":811,"end_word":894,"intents":[{"intent":"Discuss client meetings","confidence_score":0.00022320535}]},{"text":"I've helped them through different life stages, you know, buying, building, having kids, all the rest of it. And then I do have clients that do just pop in and pop out. They might come and see me once every couple of years to just have a bit of a touch base. Hey.","start_word":843,"end_word":895,"intents":[{"intent":"Discuss employee availability","confidence_score":0.000057268095}]},{"text":"to the little time left that I will be working, which as I said, it might be Christmas. It might be April next year. I'm thinking now.","start_word":1025,"end_word":1051,"intents":[{"intent":"Evaluate work schedule","confidence_score":0.0023038848}]},{"text":"and we can go through the pension applications together, and and and and I can do that.","start_word":1148,"end_word":1164,"intents":[{"intent":"Assist with pension applications","confidence_score":0.010843328}]},{"text":"We can, you know, Yeah. get everything done and and and set up for you.","start_word":1165,"end_word":1179,"intents":[{"intent":"Set up and schedule appointments","confidence_score":0.0028185083}]},{"text":"And we can and we can you know, new advice. I'd you know? And we'd go from there.","start_word":1331,"end_word":1348,"intents":[{"intent":"Find new advice","confidence_score":0.002735785},{"intent":"Find new advice","confidence_score":0.0039147297}]},{"text":"And as I said, you know, look, I'm I'm I know I've said I'm gonna sell this, sell that, sell this, but it's it may not be until I actually retire. But then I've been thinking maybe I should sell some of this before I retire so it's not The sooner you sell it, the better it is for you.","start_word":1407,"end_word":1466,"intents":[{"intent":"Sell car","confidence_score":0.6773279}]},{"text":"I was gonna say, we're not just getting rid of a, you know, 2,000 Corolla. No. No. No. No. Well, well, there's only one well, big one. The crewmen's hopefully hopefully, I'll get 7 or $8 for it, you know, and the and the bikes will whatever. You know?","start_word":1509,"end_word":1557,"intents":[{"intent":"Purchase motorcycle","confidence_score":0.00014118235}]},{"text":"So and and the way that was worded, you you take your payment for changing super out of out of my super, do you? Correct.","start_word":1569,"end_word":1593,"intents":[{"intent":"Change super","confidence_score":0.036993295}]},{"text":"Like, after everything's set up, we'll call you every three months. So the setup will take you know, my team will be on the phone to you, and they'll go through the applications, and they'll submit everything. And you'll get a few phone calls over the next couple of weeks once you sign to actually, you know, implement everything. And Yeah.","start_word":1748,"end_word":1808,"intents":[{"intent":"Plan a meeting","confidence_score":0.00003827049}]},{"text":"And you'll get a few phone calls over the next couple of weeks once you sign to actually, you know, implement everything. And Yeah.","start_word":1784,"end_word":1807,"intents":[{"intent":"Implement everything","confidence_score":0.05047916}]},{"text":"And then at the twelve months, we basically schedule you in for your like, if we it's like an annual review.","start_word":1844,"end_word":1864,"intents":[{"intent":"Schedule review","confidence_score":0.18533815}]},{"text":"But, realistically, for you if you're looking to retire soonish, we may even need to do, like, an advice piece, you know, depending on what you decide when you retire, whether it's December.","start_word":1895,"end_word":1927,"intents":[{"intent":"Provide advice","confidence_score":0.12842979}]},{"text":"Well, say well, just say for argument's sake, oh, retirement expert's day. Alright? So to start mucking around with all the pension stuff, that can't actually take place until I've actually stopped work, can it, I think? Or can you No.","start_word":2097,"end_word":2137,"intents":[{"intent":"Inform about retirement process","confidence_score":0.017439999},{"intent":"Discuss retirement process","confidence_score":0.0015300062}]},{"text":"Remind remind me when your birthday is. step?","start_word":2142,"end_word":2149,"intents":[{"intent":"Remind about birthday","confidence_score":0.011245313}]},{"text":"You can do applications for Age Pension ninety days before age. So you can submit so you basically, we could sit down, you know, say February. It'll be early January, but January is kind of a bit of a messy month because of holidays. But let's just say we sit down, like, January, early February. We could sit down then and do applications for pension, and they would start the assessment for it.","start_word":2156,"end_word":2228,"intents":[{"intent":"Provide information","confidence_score":0.0021514674},{"intent":"Submit application","confidence_score":0.40420097}]},{"text":"But Yeah. by that point, I'll have a date, and we can I could pre do the application knowing what date you're finishing? We can pre sign off on everything. It's just I can't submit the paperwork until basically the day you retire or the day after Yeah.","start_word":2349,"end_word":2396,"intents":[{"intent":"Confirm retirement date","confidence_score":0.2856952},{"intent":"Confirm retirement date","confidence_score":0.13893487}]},{"text":"We can pre sign off on everything. It's just I can't submit the paperwork until basically the day you retire or the day after Yeah.","start_word":2372,"end_word":2396,"intents":[{"intent":"Send paperwork","confidence_score":0.0010940717}]},{"text":"It's just a matter of if you're expecting to retire and then getting a get a payment, I need to realign your expectations because it's definitely not gonna happen. But you can definitely have a payment within a week or two. Yep.","start_word":2441,"end_word":2482,"intents":[{"intent":"Reschedule payment","confidence_score":0.00017560254}]},{"text":"Would you like because what you can do is you can keep that paperwork if you want, and I can just send you the the same document, and you can electronically sign them if you're comfortable to do that. Otherwise, you can definitely go through all of the documents Nope.","start_word":2854,"end_word":2903,"intents":[{"intent":"Request assistance with documents","confidence_score":0.0071877944}]},{"text":"But I'm I'm happy to pop in and and come and help you sign them tonight or at night during the week.","start_word":3248,"end_word":3269,"intents":[{"intent":"Provide assistance and schedule appointments","confidence_score":0.000013014789}]},{"text":"do is I'll I'll we'll just sign the documents that you have in front of you, and then I will take them to work. I'll scan them and, obviously, save them on your file and submit everything you may need to submit.","start_word":3772,"end_word":3813,"intents":[{"intent":"Sign documents","confidence_score":0.018150227}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Vida. How are you going?","start_word":0,"end_word":6,"sentiment":"neutral","sentiment_score":0.1989268660545349},{"text":"Hey. Good. That's good.","start_word":7,"end_word":10,"sentiment":"positive","sentiment_score":0.5841753482818604},{"text":"I thought you were gonna ring me back past week sometime. I tried to give you a call. What day was that? Thursday last week. Alright. I must have missed it. No. That's okay. Yeah. I tried to give you a call. It didn't I couldn't get you when I had it in my calendar. I was gonna give you a call Tuesday to Wednesday. I've better remind Yeah. for myself. Oh, yeah. Okay.","start_word":11,"end_word":84,"sentiment":"neutral","sentiment_score":-0.0055892812088131905},{"text":"All good.","start_word":85,"end_word":86,"sentiment":"positive","sentiment_score":0.3572305142879486},{"text":"How is how is your trip? Oh, no. That was all good.","start_word":87,"end_word":98,"sentiment":"neutral","sentiment_score":0.2175896167755127},{"text":"Good up there and back again.","start_word":99,"end_word":104,"sentiment":"positive","sentiment_score":0.44118279218673706},{"text":"So yeah. There is Have fun with the family? yeah. Well, picked up the old man and see my brother and his wife, and he's one of his sons and wife and two young kids now. Alright. Yeah. And a few others. So, yeah, all good. It didn't get raining down. Anything No. No. No. It was fine. So no no rain up there. Right. Yeah. Anyhow, I did manage to have a look through that Yes. paperwork, the one that I think I was what I really had to read through. Yeah. And I haven't got it in front of me, but yeah. To I think I'll well, alright. The the prices that I've got a that you put in there, one was so much money that it looks like to change over all your all my super in that. Is that just a a one off thing, or what what happens with that? And Yep. So yeah. Sorry. I can't ask all the questions, and I'll get that answered. no. Well, that that was that that we'll just leave that as the first question. So that looked like I don't know. It was, well, $5 or something. So that that's for you guys to, what, get me out of this one and get get into that one and whatever. Is that right? Or Yep. Yeah. So yeah. So there's I mean, all the fees are are written on the on, like, the final page. It basically outlines all the bits and pieces to do with what advice we're basically giving you and where everything kind of fits as a total for an initial, and then there's also the the total for, like, annual, so ongoing advice. So, obviously, if you don't wanna have an ongoing adviser helping you out, then we don't have to enter into ongoing advice as I think we sort of talked about that. But, otherwise, what we would realistically do is that sort of $4.","start_word":105,"end_word":435,"sentiment":"neutral","sentiment_score":0.02251274674410546},{"text":"09 50 would be or $5 would be the cost for us to transfer everything over, set up your funds, make sure that the investments were going, get those final paperwork in place, get the beneficiary forms happening, look after everything in the transfer and and take care of everything for you.","start_word":435,"end_word":486,"sentiment":"positive","sentiment_score":0.3621119856834411},{"text":"And then, yeah, if you want ongoing advice, so as we talked about, you know, as we sell the the the cars, putting money in, sheltering the money away, everything like that, doing the application forms for our Centrelink applications when we get that far. That's all part of the, like, annual ongoing cost, which is sort of break broken down there as well, which is about 1.65% of the balance. I I'm on the road. I literally walked out of a client meeting, walked past Yeah. Michelle, who you were on the phone to earlier, and she was like, can you call Peter? I was like, 100%. I'll do it from the road. I Yeah. jumped Yeah. on the phone call to another client, and then I I walked out. So I'm I'm on the road right now. Yeah. Yeah. So I don't have the figures in front of me, but, He said yeah, no. that's that's So that's is sort of what it would be. Mhmm. that so is that ongoing thing, is that a yearly thing, obviously? So we charge it monthly. Like, it's prorated per month. So you you're able to basically turn around and go, hey. Look. You know, you've done everything that I need you to do. So say we get to, you know, you're retiring and we set up your pension your, you know, your pension and all the rest of the stuff, and you turn around and go, cool.","start_word":487,"end_word":733,"sentiment":"neutral","sentiment_score":0.1048467403903664},{"text":"You've done everything I I need you to do. I'm happy and comfortable with where everything fits.","start_word":734,"end_word":750,"sentiment":"positive","sentiment_score":0.6785036325454712},{"text":"I wanna dissolve the relationship.","start_word":751,"end_word":755,"sentiment":"neutral","sentiment_score":0.18359266221523285},{"text":"I'll go I'll give you a handshake, a pat on the back, and I'll say good luck with everything.","start_word":756,"end_word":774,"sentiment":"positive","sentiment_score":0.47110292315483093},{"text":"Give me a call if you run to any issues or you need any more advice.","start_word":775,"end_word":790,"sentiment":"neutral","sentiment_score":0.24438068270683289},{"text":"Yeah. And it it's it's no problem. Like, I'm I'm happy to you know?","start_word":791,"end_word":804,"sentiment":"positive","sentiment_score":0.5428256988525391},{"text":"Sometimes relationships I build over years. Like, you know, I have I have clients that I first met a decade ago that are that have followed me from different firms that I still have as clients, and Yeah.","start_word":805,"end_word":842,"sentiment":"neutral","sentiment_score":0.2347569316625595},{"text":"I've helped them through different life stages, you know, buying, building, having kids, all the rest of it.","start_word":843,"end_word":860,"sentiment":"positive","sentiment_score":0.3512890338897705},{"text":"And then I do have clients that do just pop in and pop out. They might come and see me once every couple of years to just have a bit of a touch base. Hey. I just wanna see what's happening. Little bit of advice here and there. And then I do have you know? And I have clients that are with me to use. So it it's just it's independent of each. But, essentially, if you want ongoing advice, and it gives you access to me at any point, you know, I I'll give you a call generally within a week or a few days of you needing a, you know, needing a meeting. But it gives you access to me and my team at at any point in time. Yeah.","start_word":861,"end_word":992,"sentiment":"neutral","sentiment_score":0.18547190725803375},{"text":"Well, I think I'd like you to do the super thing because that sounds like it's Yeah. gonna work a lot better than the way I've got it at the moment Yeah.","start_word":993,"end_word":1024,"sentiment":"positive","sentiment_score":0.33651670813560486},{"text":"to the little time left that I will be working, which as I said, it might be Christmas. It might be April next year. I'm thinking now. It depends on Yeah.","start_word":1025,"end_word":1055,"sentiment":"neutral","sentiment_score":0.002191424136981368},{"text":"so if I do that and then there's really nothing much to do then until I decide on a date when I'm gonna stop working.","start_word":1056,"end_word":1080,"sentiment":"negative","sentiment_score":-0.45580247044563293},{"text":"Is that right? Or So, realistically, what I'd probably recommend with you at a minimum is that we basically engage in, like, a a relationship for twelve months minimum.","start_word":1081,"end_word":1109,"sentiment":"neutral","sentiment_score":0.15185341238975525},{"text":"So that way in that twelve months, I'm able to help you with your applications.","start_word":1110,"end_word":1124,"sentiment":"positive","sentiment_score":0.5267546772956848},{"text":"Like, I can come and sit at your house one afternoon, or you can come into the office, either way you're comfortable, Yeah.","start_word":1125,"end_word":1147,"sentiment":"neutral","sentiment_score":0.32893043756484985},{"text":"and we can go through the pension applications together, and and and and I can do that. We can, you know, Yeah. get everything done and and and set up for you. And then once it's all set up, you can you know, at the end of the twelve months type of thing or once it's set up, you can turn around and go thank you and, you know, hey. I'll touch base with you every couple of years, and I'll pay up, you know, one off advice fee every couple of years to do this, this, and this.","start_word":1148,"end_word":1246,"sentiment":"positive","sentiment_score":0.5149122476577759},{"text":"And you don't have to have me as an ongoing relationship, you know, where I contact you every three months minimum and see how you're going. It could just be you know, I have you in my book to basically call once every two years to say, hey. Do you want any advice? What's happened changed? Or you call Yeah. me and say, hey.","start_word":1247,"end_word":1310,"sentiment":"neutral","sentiment_score":0.14332589507102966},{"text":"Unfortunately, dad passed away.","start_word":1311,"end_word":1314,"sentiment":"negative","sentiment_score":-0.5109493136405945},{"text":"I have this, this, and this No.","start_word":1315,"end_word":1321,"sentiment":"neutral","sentiment_score":-0.3025866448879242},{"text":"that I now Yeah.","start_word":1322,"end_word":1325,"sentiment":"negative","sentiment_score":-0.3577253520488739},{"text":"need to Yeah. take in. And we can and we can you know, new advice. I'd you know? And we'd go from there. Well, I think, initially, as Yeah. you as as you just said, well, I I think I need someone to help me with it. So Yeah.","start_word":1326,"end_word":1374,"sentiment":"neutral","sentiment_score":-0.20047318935394287},{"text":"there's a super thing in probably, as you said, the first twelve months or especially when I get to do all this pension retirement bullshit stuff.","start_word":1375,"end_word":1400,"sentiment":"negative","sentiment_score":-0.4869891405105591},{"text":"So Yeah. yeah. And yeah. And as I said, you know, look, I'm I'm I know I've said I'm gonna sell this, sell that, sell this, but it's it may not be until I actually retire. But then I've been thinking maybe I should sell some of this before I retire so it's not The sooner you sell it, the better it is for you. But at the same time, I know that sometimes uploading your specialty cars to the right person at the right price can be Yeah. Yeah. a timely Got thing. it. So and the other thing You know, we're is not yeah. Go on. I was gonna say, we're not just getting rid of a, you know, 2,000 Corolla. No. No. No. No. Well, well, there's only one well, big one. The crewmen's hopefully hopefully, I'll get 7 or $8 for it, you know, and the and the bikes will whatever. You know? It's the same. It's not a big money Yeah. thing. Yeah. So and and the way that was worded, you you take your payment for changing super out of out of my super, do you? Correct. Yeah. So, like, it can come out of your back pocket if you want it to. But generally speaking, we just we take it out of the super fund because it's a lot easier on you, you know, Yeah. cash flow wise, not needing to Yeah. come up with the money. Yeah. Alright. Alright. Yeah. Is Alright. that Well, I'm all the questions you had? Or no. Pretty much it. Yeah. So yeah. I think yeah. It's at the end of the day, we'll we'll change the super over. We'll do the probably the twelve month thing, I guess. But Yeah. when when will the twelve month thing start, so I suppose as soon as you change the super over, is it right? Or Yeah. The the twelve months will start from the super like, when we change the super over, we will we'll be it like, we'll call you every three months. Like, after everything's set up, we'll call you every three months. So the setup will take you know, my team will be on the phone to you, and they'll go through the applications, and they'll submit everything. And you'll get a few phone calls over the next couple of weeks once you sign to actually, you know, implement everything. And Yeah.","start_word":1401,"end_word":1807,"sentiment":"neutral","sentiment_score":0.08879982394507242},{"text":"and then once it's all implemented, we'll basically touch base with you every three months just to, hey. How are you going? How's everything going?","start_word":1808,"end_word":1832,"sentiment":"positive","sentiment_score":0.4048060476779938},{"text":"Do you have any questions, advice, needs, or anything like that? And then at the twelve months, we basically schedule you in for your like, if we it's like an annual review. So, like, you know, we on the annum, we sort of give you a call and and schedule and and and go through where you're at, touch base with everything. But, realistically, for you if you're looking to retire soonish, we may even need to do, like, an advice piece, you know, depending on what you decide when you retire, whether it's December. And, like, because we're in April now or Yeah. nearly in May, but you know, my team will be in touch with you, like, sort of July, August, like, July, early August, and then, you know, again, sort of, like, November. And by, you know, August and November, you'll probably have a pretty good idea as to what you're doing. And if you're retiring come December, then, you know, they'll schedule you in, and I'll, you know, be on the phone to you pretty pretty immediately to dot the i's, cross the t's, so to speak, get everything happening and implemented. If you turn around to, you know, my team is saying, no. I'm not doing it until I've decided April or I've decided June Yeah. or May or whatever the case may be, then yeah. And we'll just touch base. If you want me to, you know, call you every month, I can do that too, but most people get sick and tired of hearing my voice. Well, say well, just say for argument's sake, oh, retirement expert's day. Alright? So to start mucking around with all the pension stuff, that can't actually take place until I've actually stopped work, can it, I think? Or can you No. use It the it can. Remind remind me when your birthday is. step? The April 3. April 3. Cool. You can do applications for Age Pension ninety days before age. So you can submit so you basically, we could sit down, you know, say February. It'll be early January, but January is kind of a bit of a messy month because of holidays. But let's just say we sit down, like, January, early February. We could sit down then and do applications for pension, and they would start the assessment for it. The earlier you get it in, the better because, realistically, pension assessment does take its time.","start_word":1833,"end_word":2244,"sentiment":"neutral","sentiment_score":0.06943813482643042},{"text":"The frustrating part is is that until you retire and submit, like, the final declaration of I have retired, they won't finalize your application.","start_word":2245,"end_word":2268,"sentiment":"negative","sentiment_score":-0.5347874164581299},{"text":"But you can have it in there as pending. You'll have a case manager. They'll start the assessment. They'll just want the confirmation of the date you finish work, Yeah. and then they can finalize the payments. With respect to the Superfund pension, because there's two pensions. There's the age pension from Central Bank, and then there's, like, Superfund pension payment. That payment cannot start until well, that account can't even be set up until you declare you're Yeah. retired. But Yeah. by that point, I'll have a date, and we can I could pre do the application knowing what date you're finishing? We can pre sign off on everything. It's just I can't submit the paperwork until basically the day you retire or the day after Yeah. you retire. But every everything can happen.","start_word":2269,"end_word":2403,"sentiment":"neutral","sentiment_score":0.02997315116226673},{"text":"I can make everything happen pretty quickly because it'll all happen in species within the account.","start_word":2404,"end_word":2419,"sentiment":"positive","sentiment_score":0.424154132604599},{"text":"So it just it shifts over one day, and it's there.","start_word":2420,"end_word":2430,"sentiment":"neutral","sentiment_score":0.24003523588180545},{"text":"I can I can make it pretty fluid through?","start_word":2431,"end_word":2439,"sentiment":"positive","sentiment_score":0.37731310725212097},{"text":"It's just a matter of if you're expecting to retire and then getting a get a payment, I need to realign your expectations because it's definitely not gonna happen.","start_word":2440,"end_word":2468,"sentiment":"neutral","sentiment_score":0.01687026210129261},{"text":"But you can definitely have a payment within a week or two.","start_word":2469,"end_word":2480,"sentiment":"positive","sentiment_score":0.5040372014045715},{"text":"Yep. Alright. And the city that boat that I was gonna pick up, I was gonna take that out of my super. So is that still gonna happen with this That's other still phone number? that that can definitely still happen. You basically just let me know, and I can make it the withdrawal happen. So, Yep. like, don't what I I guess let me let me phrase it.","start_word":2481,"end_word":2549,"sentiment":"neutral","sentiment_score":-0.023375894874334335},{"text":"If you if you're ready to go and start looking at a boat, I would love it if you could tell me, hey. I'm starting to look. I reckon I could have a boat secured within two weeks. And if I could have that two weeks, that would be great.","start_word":2550,"end_word":2599,"sentiment":"positive","sentiment_score":0.5016495585441589},{"text":"Yeah. Yeah. Yeah. Because No. Basically I would need I need I need to add your bank details to your account, and that takes three days, and that is out of my control. yeah. Yeah. Well, it's I've actually put a deposit on it's only a tinny last year sometime, and Yep. I'm not and I'm not picking it up till August or around about then. So and Easy. and I'm think I think it well, hopefully, I might be able to add a little bit to it, but it's probably gonna be about $13 or something like that. Yeah. I I had written down 12 in my notes as Yeah. as sort Something of what we yeah. had to Yeah. start there. Yeah. Yeah. Alright. Alright. Well, anyhow No. That's that's that's absolutely fine. And what and, you know, again, like, my team will be in contact with you July Yeah. ish. So I'll just make sure that we definitely are calling you July, not August. Yeah. So that way, when they call you, you can say, hey. It is blah amount that I need to withdraw. Larissa's aware. Get her to call me. And Yep.","start_word":2600,"end_word":2796,"sentiment":"neutral","sentiment_score":-0.00947135715239544},{"text":"I can just call you because I can do the steps that I need to to withdraw the money to do the thing.","start_word":2797,"end_word":2819,"sentiment":"positive","sentiment_score":0.3373439311981201},{"text":"Yep. Alright. Okay. Well, what do I need to start with? I know there was some paperwork in there that looks like I had to sign, but is that it or what? There is. Would you like because what you can do is you can keep that paperwork if you want, and I can just send you the the same document, and you can electronically sign them if you're comfortable to do that. Otherwise, you can definitely go through all of the documents Nope. and sign, but it's I don't it's not all of them. There's still a couple others to sign, like the application forms and stuff like that. I don't I actually can't remember what I dropped off to you now.","start_word":2820,"end_word":2942,"sentiment":"neutral","sentiment_score":0.0002470371837262064},{"text":"It'd be in my notes as to why I printed out, but There's a lot there's a I lot can't of drive stuff in there.","start_word":2943,"end_word":2967,"sentiment":"negative","sentiment_score":-0.3899973034858704},{"text":"computer. Yeah. Yeah. I I actually have a feeling now that I think about it that I may have printed everything. Yeah. There was there was two folders and and when I went through Yeah. everything, There was. Wasn't there? and there was only one There's a lot. one bundle that looked like is all I needed to read. So or read through anyhow, and that's what I've done. So I don't know. The Yeah. other other only other thing is if oh, I don't know whether I can bloody electronically sign anything on my phone On anyhow. your phone. No. It's okay. Well, we can do one of two options. I'm on the m one heading to Olmo. So if you are amenable to a visit, I can always pop over and we can find them, and I can show you where to find. And then I can take the documents with you. I'll scan them in, and then I can email you tomorrow a copy of the signed documents. That way you have a copy. Or if you want, I can take a copy and then drop off a signed version of them, you know, post them to you type of thing. Or if you would like, I can leave you to your own devices to attempt to sign them. Or you you'll be able to electronically sign them on your phone.","start_word":2968,"end_word":3201,"sentiment":"neutral","sentiment_score":0.023551441812648986},{"text":"It's just it's a bit of a pain because of the size of the screen versus the document, but it's not impossible to do. It's just painful from a viewing point of view for you, not for me.","start_word":3202,"end_word":3239,"sentiment":"negative","sentiment_score":-0.5978313088417053},{"text":"It'll come through fine for me. Yeah. Yeah.","start_word":3240,"end_word":3247,"sentiment":"neutral","sentiment_score":-0.18586134910583496},{"text":"But I'm I'm happy to pop in and and come and help you sign them tonight or at night during the week.","start_word":3248,"end_word":3269,"sentiment":"positive","sentiment_score":0.5485502481460571},{"text":"It's I've I've done, like, two seventy hour weeks, so I decided I would try and leave work at a reasonable time and Yeah. actually go home and see my family tonight. Not that I got out at 04:00 like I was I was planning, but I got out before five.","start_word":3270,"end_word":3320,"sentiment":"neutral","sentiment_score":0.2255259156227112},{"text":"That was impressive. You you you get you can go get home early tonight if you like. Is there any other afternoon or I'm I can be yours any night you want. I'm pretty sure my my calendar is actually pretty free this week.","start_word":3321,"end_word":3364,"sentiment":"positive","sentiment_score":0.4873984456062317},{"text":"Not a thing to do, but I don't have anything scheduled. I'm on my own dime. So what night works for you? Well, let's let's just say Wednesday night or something like that.","start_word":3365,"end_word":3397,"sentiment":"neutral","sentiment_score":0.07937515527009964},{"text":"Perfect.","start_word":3398,"end_word":3398,"sentiment":"positive","sentiment_score":0.4514717757701874},{"text":"Wednesday night it is. And whatever time you get here or roundabout, and I'll just Five, 05:30. yeah. Probably more than yeah. Five, 05:30 or even yeah. Towards probably 05:30 is gonna be better. 05:36 it is. Yeah. Yeah. Because some some afternoons, I can get stuck and get home. Like, I might have to get home now. You know? And Yeah. and then some afternoons, I might I might be here at bloody 04:00. It's I don't know until the day. But it's No. like to be I anywhere. I get it. Yeah. It can be anywhere. You know? I could be coming from Bloody Tweed Heads or something and sitting in traffic for an hour and a half, you know, or or whatever. So yeah. Yes.","start_word":3399,"end_word":3526,"sentiment":"neutral","sentiment_score":-0.00774256321892608},{"text":"Well, actually, I had a good run from Springwood just now, from Currabi to here.","start_word":3527,"end_word":3541,"sentiment":"positive","sentiment_score":0.4275481402873993},{"text":"It was versus the speed limit all the way back here.","start_word":3542,"end_word":3552,"sentiment":"neutral","sentiment_score":0.3020966649055481},{"text":"So Oh, that's impressive. And wait. in the right. Very impressive.","start_word":3553,"end_word":3563,"sentiment":"positive","sentiment_score":0.5317032933235168},{"text":"Yeah. Oh, that doesn't worry me much. Mhmm. It's funny that you're in front of you. No. Correct. It doesn't worry to hear you, but it's every other person that can't drive. Yeah. I know. Yeah. So where where's your office? Oh, perfect. We're Where's in your Southport. office? Iron Southport. Yeah. So south yeah. So Southport. Yeah. And then I live in almost I think I'm oh, no. K. There's there's a couple other staff members that are both north and north. But yeah. Mhmm. Sheffield. Well, my husband's in Brisbane. I'm in Southport, so it's perfectly halfway between the two. Yeah. That's And like that's I said, I've been I've been in all my for thirty years, so I think I could win. yeah. Well, I've I've been here a bit longer than that, I think. '93. Oof. Yeah. No. Got in in '94. Sorry. One year shorter than you. Yeah. Alright. Alright. Well, Perfect. see you then, and I'll is all everything that I've got assigned, you left here, or you're gonna bring some other stuff? I will I'm 90% I'm 95% sure, but I'll check before I come Wednesday Yep. that everything that needs to be signed is with you. So what I'll Okay. do is I'll I'll we'll just sign the documents that you have in front of you, and then I will take them to work. I'll scan them and, obviously, save them on your file and submit everything you may need to submit. And and then I'll I'll I will email you a copy of the signed documents, and I'll also print out a copy of the the statement of advice, and I'll post it Yep. to you again. And Yep. by post, I mean, I'll drop it into your letterbox because I literally have to drive past the house. Yep. Yeah. Alright. Alright. Well, we'll leave it all at that.","start_word":3564,"end_word":3881,"sentiment":"neutral","sentiment_score":0.05943273846645775},{"text":"Perfect. I will see you Wednesday. Yep. Okay then. That'll be great. Perfect. Alright, Peter. You have a good evening. Yeah. You too.","start_word":3882,"end_word":3904,"sentiment":"positive","sentiment_score":0.6341583728790283},{"text":"Alright. Bye. Bye. Sorry.","start_word":3905,"end_word":3908,"sentiment":"neutral","sentiment_score":0.13761276006698608}],"average":{"sentiment":"neutral","sentiment_score":0.0913693386878772}}}}