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I had you booked in for a bit of a catch up this morning. Is now a good time there for you? Yep. For you beautiful. And just to do let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Lovely. And just to do security today with you as well, I am discussing your personal information. So just to confirm your full name, address, and date of birth I should have on file. Yep. Yep. You did. Happy birthday. That's exciting. Did you go out for dinner? Did you do anything fun? Yeah. Oh, wow. Yeah. Yes. Yep. Yep. Yeah. Wow. Okay. Perfect. I love that. That is so appropriate. I love it. Yep. Yep. Yes. Yep. Yep. Absolutely. Yep. Yep. Yep. Yeah. Yeah. Absolutely. Yep. Yep. Yes. Because you're still saving about $200 per week out of your income that was going into those savings accounts, weren't you? Sorry to cut you off. I do apologize. Yep. Yep. Yep. Yes. Perfect. Yeah. Yep. Yep. Wow. Perfect. Yep. Yep. Yep. Yeah. Perfect. Perfect. Yes. Okay. Yep. Yes. Yep. That's fine. Yep. Yep. Perfect. Okay. I was about to say that was one thing that was put on the back burner, so the bikes are going, the van's staying. Yeah. Yep. Yep. No. That's fantastic. Perfect. No. It is absolutely perfect because it I can go back and update all our files in the back end. And then when we speak next time, we've got a bit of an idea of how things have changed and how things have progressed, and we can kind of keep moving along there. And if it if it changes the advice slightly, that's okay. Advice is meant to be changeable along the way. So you're selling the bikes, you're gonna keep the van for a bit longer, you've picked up hours, and you're saving more money, which is great to kind of offset with the the van build. But then because Phil's also due to be 59 in a couple of weeks' time, so he's closer to that 60. So we'll keep sort of monitoring things. If it gets to the point where we need to draw a little bit more out of that utilizing that transient time, it's sort of account when he does turn 60, we can always do it over two financial years. So we can draw more money out if we need to. It just means we take it out over a few different financial years. But we can always work on that. That's not a problem. But, honestly, I'm so glad you guys found the bus. That's exciting. Of course. Yep. Yep. Yep. Yes. That's incredible. Wow. So because the bus was expected you sort of estimating it to be about 100,000. So the bus cost you a bit less than what the estimated was gonna be. Wow. Fantastic. Yep. Wow. Yep. Yeah. Oh, wow. That's incredible. And it's you've paid the $50,000 deposit for having the interior kind of started. What's the estimated total cost of that? We were roughly estimating about 100,000 for the total interior rebuild. Yep. Yep. Yes. Yep. Yep. Perfect. Okay. Yeah. Perfect. Perfect. And with the sale of the bikes, how much are you guys trying to sell them? For what's the total you estimate you should have once the bikes are sold? Okay. Perfect. So roughly 15 to 20 thousand. Yep. Perfect. Well, I hope Phil has a good birthday coming up. I'm so sorry for the sale of the bikes, but I'm excited for the overall, the outcome at the end of this. Yeah. Yep. Yep. Oh, that's beautiful. Yes. Yes. They were fine. Yeah. Yeah. Yep. That's fine. When we get closer to that, we'll have another conversation kind of outside. If you just wanna make it, we come into the office and do it in the office. That would be perfectly fine. We can talk about the outcomes and what we're looking at and how it works and update the advice structure to incorporate that. But, yeah, look, at the end of the day, it's up to you guys how you do it. If you do he decides to fully retire, we take out a bigger lump sum, and then he goes back to work. There's nothing wrong with that in any way, shape, or form. It's just how it's gonna work out best for you guys and and get the money you need to complete that goal. So yep. Okay. Yeah. Yeah. Yeah. Yep. Yep. Yep. Yep. Perfect. Perfect. No. That'll be fantastic. Yeah. Absolutely. Yep. Oh, no. That is I'm so excited for you. It's fantastic. This dream is coming to fruition slowly but surely, and it's the outcome is gonna be amazing at the end of it. So yeah. Yeah. Beautiful. Oh, I'm so glad that thank you so much for updating me. I know you guys are due to have your annual review in about August, but if you wanna do a bit of a catch up around the end of financial year, we can also do that as well. You let me know kind of how you wanna move forward and when you want catch ups and things like that. But yeah. But, otherwise, I do do a full annual review in August, and we can make it. You just can come in on a day if you want. We can do it over the phone. It's not a problem. But if you want to come into the office, we can always sit down, mull over everything together, and just kinda go through a big double under review, look at where things are up to, and look at maybe updating the advice. Yeah. Absolutely. You can sort of see everything there right in front of you, ask more questions if you need to, get a bit more time, more personal, so not a problem at all. Love that. Fantastic. All good. Yeah. No. Yeah. Absolutely. Absolutely. Please don't ever feel like you're taking up my time or anything. I'm here for you. I work for you guys, so you are welcome to call me anytime you need. Jordan knows she can put you in her calendar whenever it suits you guys, so it's not a problem at all. Yeah. That's okay. Is there anything else you needed or any other questions or anything either of you wanted me to follow-up at the moment? Or No. It's working it's working it's well it's working well. It's all everything's going nicely. I've been having a look at everything every a couple of weeks to see where it's all tracking, and so far, everything's going nicely. So yeah. Perfect. Oh, not a problem at all, but I hope you have a wonderful last day off. And yeah. Look. Sounds nice. It's a wet weather out there, so it's a good bed today. Just chill on the couch. Thank you. No problem. Have a lovely day. Thank you. See you later. 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Yvette. This is Dana from OP Financial. How are you this morning? That's good. How was your weekend?\n\nWow. We're back to work. Yeah. Back to reality. No.\n\nAll good. I had you booked in for a bit of a catch up this morning. Is now a good time there for you? Yep. For you beautiful.\n\nAnd just to do let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Lovely. And just to do security today with you as well, I am discussing your personal information. So just to confirm your full name, address, and date of birth I should have on file.\n\nYep. Yep. You did. Happy birthday. That's exciting.\n\nDid you go out for dinner? Did you do anything fun? Yeah. Oh, wow. Yeah.\n\nYes. Yep. Yep. Yeah. Wow.\n\nOkay. Perfect. I love that. That is so appropriate. I love it.\n\nYep. Yep. Yes. Yep. Yep.\n\nAbsolutely. Yep. Yep. Yep. Yeah.\n\nYeah. Absolutely. Yep. Yep. Yes.\n\nBecause you're still saving about $200 per week out of your income that was going into those savings accounts, weren't you? Sorry to cut you off. I do apologize. Yep. Yep.\n\nYep. Yes. Perfect. Yeah. Yep.\n\nYep. Wow. Perfect. Yep. Yep.\n\nYep. Yeah. Perfect. Perfect. Yes.\n\nOkay. Yep. Yes. Yep. That's fine.\n\nYep. Yep. Perfect. Okay. I was about to say that was one thing that was put on the back burner, so the bikes are going, the van's staying.\n\nYeah. Yep. Yep. No. That's fantastic.\n\nPerfect. No. It is absolutely perfect because it I can go back and update all our files in the back end. And then when we speak next time, we've got a bit of an idea of how things have changed and how things have progressed, and we can kind of keep moving along there. And if it if it changes the advice slightly, that's okay.\n\nAdvice is meant to be changeable along the way. So you're selling the bikes, you're gonna keep the van for a bit longer, you've picked up hours, and you're saving more money, which is great to kind of offset with the the van build. But then because Phil's also due to be 59 in a couple of weeks' time, so he's closer to that 60. So we'll keep sort of monitoring things. If it gets to the point where we need to draw a little bit more out of that utilizing that transient time, it's sort of account when he does turn 60, we can always do it over two financial years.\n\nSo we can draw more money out if we need to. It just means we take it out over a few different financial years. But we can always work on that. That's not a problem. But, honestly, I'm so glad you guys found the bus.\n\nThat's exciting. Of course. Yep. Yep. Yep.\n\nYes. That's incredible. Wow. So because the bus was expected you sort of estimating it to be about 100,000. So the bus cost you a bit less than what the estimated was gonna be.\n\nWow. Fantastic. Yep. Wow. Yep.\n\nYeah. Oh, wow. That's incredible. And it's you've paid the $50,000 deposit for having the interior kind of started. What's the estimated total cost of that?\n\nWe were roughly estimating about 100,000 for the total interior rebuild. Yep. Yep. Yes. Yep.\n\nYep. Perfect. Okay. Yeah. Perfect.\n\nPerfect. And with the sale of the bikes, how much are you guys trying to sell them? For what's the total you estimate you should have once the bikes are sold? Okay. Perfect.\n\nSo roughly 15 to 20 thousand. Yep. Perfect. Well, I hope Phil has a good birthday coming up. I'm so sorry for the sale of the bikes, but I'm excited for the overall, the outcome at the end of this.\n\nYeah. Yep. Yep. Oh, that's beautiful. Yes.\n\nYes. They were fine. Yeah. Yeah. Yep.\n\nThat's fine. When we get closer to that, we'll have another conversation kind of outside. If you just wanna make it, we come into the office and do it in the office. That would be perfectly fine. We can talk about the outcomes and what we're looking at and how it works and update the advice structure to incorporate that.\n\nBut, yeah, look, at the end of the day, it's up to you guys how you do it. If you do he decides to fully retire, we take out a bigger lump sum, and then he goes back to work. There's nothing wrong with that in any way, shape, or form. It's just how it's gonna work out best for you guys and and get the money you need to complete that goal. So yep.\n\nOkay. Yeah. Yeah. Yeah. Yep.\n\nYep. Yep. Yep. Perfect. Perfect.\n\nNo. That'll be fantastic. Yeah. Absolutely. Yep.\n\nOh, no. That is I'm so excited for you. It's fantastic. This dream is coming to fruition slowly but surely, and it's the outcome is gonna be amazing at the end of it. So yeah.\n\nYeah. Beautiful. Oh, I'm so glad that thank you so much for updating me. I know you guys are due to have your annual review in about August, but if you wanna do a bit of a catch up around the end of financial year, we can also do that as well. You let me know kind of how you wanna move forward and when you want catch ups and things like that.\n\nBut yeah. But, otherwise, I do do a full annual review in August, and we can make it. You just can come in on a day if you want. We can do it over the phone. It's not a problem.\n\nBut if you want to come into the office, we can always sit down, mull over everything together, and just kinda go through a big double under review, look at where things are up to, and look at maybe updating the advice. Yeah. Absolutely. You can sort of see everything there right in front of you, ask more questions if you need to, get a bit more time, more personal, so not a problem at all. Love that.\n\nFantastic. All good. Yeah. No. Yeah.\n\nAbsolutely. Absolutely. Please don't ever feel like you're taking up my time or anything. I'm here for you. I work for you guys, so you are welcome to call me anytime you need.\n\nJordan knows she can put you in her calendar whenever it suits you guys, so it's not a problem at all. Yeah. That's okay. Is there anything else you needed or any other questions or anything either of you wanted me to follow-up at the moment? Or No.\n\nIt's working it's working it's well it's working well. It's all everything's going nicely. I've been having a look at everything every a couple of weeks to see where it's all tracking, and so far, everything's going nicely. So yeah. Perfect.\n\nOh, not a problem at all, but I hope you have a wonderful last day off. And yeah. Look. Sounds nice. It's a wet weather out there, so it's a good bed today.\n\nJust chill on the couch. Thank you. No problem. Have a lovely day. Thank you.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Yvette.","start":2.6399999,"end":3.28,"sentiment":"neutral","sentiment_score":0.10773728415369987},{"text":"This is Dana from OP Financial.","start":3.28,"end":4.9,"sentiment":"neutral","sentiment_score":0.12360621740420659},{"text":"How are you this morning?","start":4.96,"end":6.1,"sentiment":"neutral","sentiment_score":0.19829972386360167},{"text":"That's good.","start":8.24,"end":8.88,"sentiment":"positive","sentiment_score":0.52738818526268},{"text":"How was your weekend?","start":8.88,"end":10.0199995,"sentiment":"neutral","sentiment_score":0.1883367784321308}],"sentiment":"neutral","sentiment_score":0.19772284085813321,"num_words":19,"start":2.6399999,"end":10.0199995},{"sentences":[{"text":"Wow.","start":15.215,"end":15.715,"sentiment":"neutral","sentiment_score":0.02226828970015049},{"text":"We're back to 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be fantastic.","start":602.85,"end":603.99,"sentiment":"neutral","sentiment_score":0.2919735113779704},{"text":"Yeah.","start":604.52997,"end":605.02997,"sentiment":"neutral","sentiment_score":0.3207474946975708},{"text":"Absolutely.","start":607.665,"end":608.165,"sentiment":"positive","sentiment_score":0.3827144205570221},{"text":"Yep.","start":612.305,"end":612.805,"sentiment":"neutral","sentiment_score":0.1373758316040039}],"sentiment":"neutral","sentiment_score":0.24586308481437819,"num_words":7,"start":602.61,"end":612.805},{"sentences":[{"text":"Oh, no.","start":614.385,"end":614.945,"sentiment":"neutral","sentiment_score":0.09767619147896767},{"text":"That is I'm so excited for you.","start":614.945,"end":616.625,"sentiment":"neutral","sentiment_score":0.2578960337809154},{"text":"It's fantastic.","start":616.625,"end":617.365,"sentiment":"positive","sentiment_score":0.63396155834198},{"text":"This dream is coming to fruition slowly but surely, and it's the outcome is gonna be amazing at the end of it.","start":617.505,"end":622.76,"sentiment":"positive","sentiment_score":0.49605177207426593},{"text":"So yeah.","start":622.76,"end":623.74,"sentiment":"neutral","sentiment_score":0.3120090961456299}],"sentiment":"positive","sentiment_score":0.42302014040095465,"num_words":35,"start":614.385,"end":623.74},{"sentences":[{"text":"Yeah.","start":624.36005,"end":624.86005,"sentiment":"neutral","sentiment_score":0.1844787299633026},{"text":"Beautiful.","start":626.36005,"end":626.86005,"sentiment":"positive","sentiment_score":0.498030424118042},{"text":"Oh, I'm so glad that thank you so much for updating me.","start":627.16003,"end":629.80005,"sentiment":"positive","sentiment_score":0.46547430753707886},{"text":"I know you guys are due to have your annual review in about August, but if you wanna do a bit of a catch up around the end of financial year, we can also do that as 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more time, more personal, so not a problem at all.","start":667.355,"end":675.375,"sentiment":"neutral","sentiment_score":0.11190838686889037},{"text":"Love that.","start":675.675,"end":676.495,"sentiment":"positive","sentiment_score":0.5863147675991058}],"sentiment":"neutral","sentiment_score":0.09048978586752827,"num_words":78,"start":651.43,"end":676.495},{"sentences":[{"text":"Fantastic.","start":677.01,"end":677.51,"sentiment":"positive","sentiment_score":0.6595083475112915},{"text":"All 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you.","start":690.13,"end":690.77,"sentiment":"neutral","sentiment_score":0.16445167362689972},{"text":"I work for you guys, so you are welcome to call me anytime you need.","start":690.77,"end":694.945,"sentiment":"neutral","sentiment_score":0.17834182033936183}],"sentiment":"neutral","sentiment_score":0.0585202236067165,"num_words":33,"start":685.25,"end":694.945},{"sentences":[{"text":"Jordan knows she can put you in her calendar whenever it suits you guys, so it's not a problem at all.","start":694.945,"end":699.365,"sentiment":"neutral","sentiment_score":0.0970826745920238},{"text":"Yeah.","start":699.90497,"end":700.40497,"sentiment":"neutral","sentiment_score":0.26098132133483887},{"text":"That's okay.","start":700.945,"end":701.745,"sentiment":"neutral","sentiment_score":0.15254667401313782},{"text":"Is there anything else you needed or any other questions or anything either of you wanted me to follow-up at the moment?","start":701.745,"end":706.485,"sentiment":"neutral","sentiment_score":0.041248414157466454},{"text":"Or No.","start":706.545,"end":708.54,"sentiment":"neutral","sentiment_score":-0.03224067110568285}],"sentiment":"neutral","sentiment_score":0.0718290542718023,"num_words":48,"start":694.945,"end":708.54},{"sentences":[{"text":"It's working it's working it's well it's working well.","start":711.56,"end":714.51996,"sentiment":"neutral","sentiment_score":0.2069378693898519},{"text":"It's all everything's going nicely.","start":714.51996,"end":716.44,"sentiment":"positive","sentiment_score":0.3663954436779022},{"text":"I've been having a look at everything every a couple of weeks to see where it's all tracking, and so far, everything's going nicely.","start":716.44,"end":721.66,"sentiment":"neutral","sentiment_score":0.1395596001918117},{"text":"So yeah.","start":721.8,"end":722.69995,"sentiment":"neutral","sentiment_score":0.15191789716482162},{"text":"Perfect.","start":723.435,"end":723.935,"sentiment":"positive","sentiment_score":0.5569828748703003}],"sentiment":"neutral","sentiment_score":0.19279675894394155,"num_words":41,"start":711.56,"end":723.935},{"sentences":[{"text":"Oh, not a problem at all, but I hope you have a wonderful last day off.","start":727.275,"end":732.015,"sentiment":"positive","sentiment_score":0.40914606861770153},{"text":"And yeah.","start":732.315,"end":733.195,"sentiment":"neutral","sentiment_score":0.130591481924057},{"text":"Look.","start":733.195,"end":733.695,"sentiment":"neutral","sentiment_score":0.02587508037686348},{"text":"Sounds nice.","start":735.77997,"end":736.66,"sentiment":"positive","sentiment_score":0.7607549726963043},{"text":"It's a wet weather out there, so it's a good bed today.","start":736.66,"end":739.06,"sentiment":"positive","sentiment_score":0.5493980025251707}],"sentiment":"positive","sentiment_score":0.4529600338728139,"num_words":33,"start":727.275,"end":739.06},{"sentences":[{"text":"Just chill on the couch.","start":739.06,"end":740.44,"sentiment":"neutral","sentiment_score":0.30239557325839994},{"text":"Thank you.","start":742.58,"end":743.39996,"sentiment":"positive","sentiment_score":0.6792826354503632},{"text":"No problem.","start":744.98,"end":745.62,"sentiment":"positive","sentiment_score":0.5954932868480682},{"text":"Have a lovely day.","start":745.62,"end":746.66,"sentiment":"positive","sentiment_score":0.6461899876594543},{"text":"Thank you.","start":746.66,"end":747.32,"sentiment":"positive","sentiment_score":0.7224189341068268}],"sentiment":"positive","sentiment_score":0.5394085019826889,"num_words":15,"start":739.06,"end":747.32},{"sentences":[{"text":"See you later.","start":747.94,"end":748.74,"sentiment":"positive","sentiment_score":0.3648439049720764},{"text":"Bye.","start":748.74,"end":749.24,"sentiment":"neutral","sentiment_score":-0.10910990834236144}],"sentiment":"neutral","sentiment_score":0.24635545164346695,"num_words":4,"start":747.94,"end":749.24}]}}]},{"alternatives":[{"transcript":"Hello? Viv speaking. I'm well. Thank you. I've had this is my last day of leave. Yeah. I get back to work tomorrow. So my last ten days has been wonderful, but don't ever wanna go back. Yeah. Right. Right. Yes. Yeah. Yeah. Absolutely. Absolutely. Yep. Of course. Yvette Harris, twenty five two '70. Just had my birthday. 3 Mackenzie Street, Komara. Oh, no. Thank you. So well, this is all about the phone call. Right? So we were in we were actually in Broken Hill. So the whole plan of our buying our bus has begun. And we found one. It happened to be in Western Australia. So we flew over at the February and checked it out and got the mechanics all approval, everything, put down a deposit, and then flew back last Saturday, the twenty first, and drove her back across the country. So so that has all started. So the money that I've gotten from mom, we've used that to purchase the whole bus and everything, and we've gotten like, it's it's just perfect. She's gorgeous. Her name is Priscilla, by the way. Stop. It is so nice. Yes. I know. And so the guy that's helping us do the fit out, we've also paid him 50,000 to get all the all the, like, all the mechanical stuff. That's everything. Like, he got us a massive, massive discount on it. So but we had to pay it up in full in one go because, otherwise, he couldn't get the discount. And Priscilla is currently at his work where he is starting, and we'll we'll start the seats pull out and all that sort of stuff in the next few days once we've got energy back. So that's basically all of mom's money that we've used for that, which was the plan. Right? Right. Yeah. Yeah. Yeah. So we've still got 15,000 in the savings account, which we are just gonna keep growing and growing and growing. And each time we need a little bit for the bus, like, $2 here or whatever, we'll just, you know, hopefully have that money. With my correct. Correct. But, fortunately, Phil's been doing quite a lot of overtime. So we last last fortnight, like, we dumped $1,500 into it. So that was really good into our savings. And I'm now full time. So yeah. So I work now Tuesday to Saturday each week, which means my income has increased as well. So we've got that little bit of extra sort of play money that we're, we're trying to put more and more aside. We've pretty much paid off Phil's credit card as well. I think there's about $600 left, which is just nothing. Yeah. So we've we've done really, really well in in all of that, and I I really just wanted to update you on where we were. We we we also, the original plan, I think we were going to sell the van. But the moment, I think we're going to keep it until we physically retire at this point only because we we still wanna do, like, little trips that we won't wanna do in the bus until we can take longer. So, you know, we still wanna do the, like, the little weekends away and stuff, which we and go to places, like, down the side of the beach where we're a little bit still incognito. We will be selling his bikes. We're in the process of trying to get them sorted to sell. He's not so happy, but he still argues with me, but he knows in the in the long term they do have to go because it's just silly. It's silly. Yeah. So I I think that was everything. I I just I felt like I just needed to tell you and update you on where we were. Sorry if that's just being painful, but Yes. Yes. Yes. Oh, yes. Yes. For sure. For sure. Yep. Yep. Oh, you've got no idea. And, of course, it was on the other end of the world, wasn't it? It just couldn't be in Sydney or even the Brisbane. No. But we had just we had four days off. And then last minute, I just said to her, you know what? I'm so exhausted. Let's just take the whole week. Let's just take a ten day break. We'll go and do something. Even even if we're just at home, that's fine. And not five days later, we found the bus. And it was like, oh, crap. It was meant to be. Yeah. Yeah. And and it's so good. It's only ten years old. It's done 350,000. There's nowhere in town. It's honestly and it drove impeccably. Impeccably. Yeah. Yeah. It was a bus company in Bunbury. So, yeah, not even Perth, two hours south. So we had to drive there and back that they it was a bus line, and they they were filling up. They were closing down. He was retired, and he didn't wanna do it anymore. So we got an absolute bargain. Everyone we've spoken to in the bus industry has just said that is amazing, and they've had a look over it. And all the guys at Phil's work has had a look at it this morning and over the weekend, and they just said it's absolutely fantastic. Yeah. Yes. I I think yeah. I think with the cost of things sort of going up and whatever, it may be a little bit more than that, but not not exorbitant. Like, we wanna stick to our our budget of a 150. Mhmm. So, you know, if it goes a little bit over, then so be it because what I sort also want to live in something that's gonna be comfortable for the rest of our life. Yeah. So, yeah, I think, yeah, I think we we probably major massively push it out to a 120 if need be. Yeah. I think because I've now got a higher income coming in as well, it's just sort of covering it a little bit more. I think that'll be the extra 15 to 20. Yeah. Yeah. We'll do them one at a time. Yeah. Yeah. Yeah. Yeah. Well, we'll do one at a time. We'll do one and then put the money aside and let him have a his last, like, year or whatever with it. But yeah. Yeah. And we we told you that he'd spoken to his work about retiring technically next year, and they were fine with that, and then he'll come back with it. Yeah. Yeah. Yeah. He was totally alright. Yep. Yep. Yep. Perfect. Yeah. To complete it. Because at the moment, we've only got another twelve month lease in this house. So we're hoping that because we'll we've been here for so long, they might just give us an extra six months. You know? Because we can't access the majority of the money until he turns 60, we can only give little dribbles here and there. You know, we're hoping that when he gets that money, we can get it finished. We'll know what needs to be done, and it can be done sooner and then have that last six months just to cull everything. Oh, shit. Yep. Yep. That'll be fun. The world's biggest garage sale will be happening. I'm just gonna leave everything in the house and say whatever you want, just go for it. It is. Yeah. It will be. It will be exciting. Yes. Yeah. For sure. Yeah. Yeah. Cool. Alright. Yeah. That that would be great. Yeah. Yeah. I think coming in is is probably a better idea. It it sort of syncs in a little bit more for both of us. Yeah. Yeah. Correct. Yeah. Yep. Yep. Yep. Cool. Cool. Alright. Yeah. So yeah. Sorry. I I just wanted to have this phone call because I feel like I was I just needed to let you know everything that was going on. Weird. Oh, wonderful. Oh, that's so awesome. Thank you so much. No. I don't think so. I think everything is sort of going according to plan at the moment. Oh, awesome. Awesome. Alright. Thanks so much for your time, Donna. I appreciate it. Oh, yes. I'm just gonna chill. Yeah. Absolutely. Yep. Yep. Alright. Thanks, Donna. Alright. Thank you. You too. 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Viv speaking. I'm well. Thank you. I've had this is my last day of leave.\n\nYeah. I get back to work tomorrow. So my last ten days has been wonderful, but don't ever wanna go back. Yeah. Right.\n\nRight. Yes. Yeah. Yeah. Absolutely.\n\nAbsolutely. Yep. Of course. Yvette Harris, twenty five two '70. Just had my birthday.\n\n3 Mackenzie Street, Komara. Oh, no. Thank you. So well, this is all about the phone call. Right?\n\nSo we were in we were actually in Broken Hill. So the whole plan of our buying our bus has begun. And we found one. It happened to be in Western Australia. So we flew over at the February and checked it out and got the mechanics all approval, everything, put down a deposit, and then flew back last Saturday, the twenty first, and drove her back across the country.\n\nSo so that has all started. So the money that I've gotten from mom, we've used that to purchase the whole bus and everything, and we've gotten like, it's it's just perfect. She's gorgeous. Her name is Priscilla, by the way. Stop.\n\nIt is so nice. Yes. I know. And so the guy that's helping us do the fit out, we've also paid him 50,000 to get all the all the, like, all the mechanical stuff. That's everything.\n\nLike, he got us a massive, massive discount on it. So but we had to pay it up in full in one go because, otherwise, he couldn't get the discount. And Priscilla is currently at his work where he is starting, and we'll we'll start the seats pull out and all that sort of stuff in the next few days once we've got energy back. So that's basically all of mom's money that we've used for that, which was the plan. Right?\n\nRight. Yeah. Yeah. Yeah. So we've still got 15,000 in the savings account, which we are just gonna keep growing and growing and growing.\n\nAnd each time we need a little bit for the bus, like, $2 here or whatever, we'll just, you know, hopefully have that money. With my correct. Correct. But, fortunately, Phil's been doing quite a lot of overtime. So we last last fortnight, like, we dumped $1,500 into it.\n\nSo that was really good into our savings. And I'm now full time. So yeah. So I work now Tuesday to Saturday each week, which means my income has increased as well. So we've got that little bit of extra sort of play money that we're, we're trying to put more and more aside.\n\nWe've pretty much paid off Phil's credit card as well. I think there's about $600 left, which is just nothing. Yeah. So we've we've done really, really well in in all of that, and I I really just wanted to update you on where we were. We we we also, the original plan, I think we were going to sell the van.\n\nBut the moment, I think we're going to keep it until we physically retire at this point only because we we still wanna do, like, little trips that we won't wanna do in the bus until we can take longer. So, you know, we still wanna do the, like, the little weekends away and stuff, which we and go to places, like, down the side of the beach where we're a little bit still incognito. We will be selling his bikes. We're in the process of trying to get them sorted to sell. He's not so happy, but he still argues with me, but he knows in the in the long term they do have to go because it's just silly.\n\nIt's silly. Yeah. So I I think that was everything. I I just I felt like I just needed to tell you and update you on where we were. Sorry if that's just being painful, but Yes.\n\nYes. Yes. Oh, yes. Yes. For sure.\n\nFor sure. Yep. Yep. Oh, you've got no idea. And, of course, it was on the other end of the world, wasn't it?\n\nIt just couldn't be in Sydney or even the Brisbane. No. But we had just we had four days off. And then last minute, I just said to her, you know what? I'm so exhausted.\n\nLet's just take the whole week. Let's just take a ten day break. We'll go and do something. Even even if we're just at home, that's fine. And not five days later, we found the bus.\n\nAnd it was like, oh, crap. It was meant to be. Yeah. Yeah. And and it's so good.\n\nIt's only ten years old. It's done 350,000. There's nowhere in town. It's honestly and it drove impeccably. Impeccably.\n\nYeah. Yeah. It was a bus company in Bunbury. So, yeah, not even Perth, two hours south. So we had to drive there and back that they it was a bus line, and they they were filling up.\n\nThey were closing down. He was retired, and he didn't wanna do it anymore. So we got an absolute bargain. Everyone we've spoken to in the bus industry has just said that is amazing, and they've had a look over it. And all the guys at Phil's work has had a look at it this morning and over the weekend, and they just said it's absolutely fantastic.\n\nYeah. Yes. I I think yeah. I think with the cost of things sort of going up and whatever, it may be a little bit more than that, but not not exorbitant. Like, we wanna stick to our our budget of a 150.\n\nMhmm. So, you know, if it goes a little bit over, then so be it because what I sort also want to live in something that's gonna be comfortable for the rest of our life. Yeah. So, yeah, I think, yeah, I think we we probably major massively push it out to a 120 if need be. Yeah.\n\nI think because I've now got a higher income coming in as well, it's just sort of covering it a little bit more. I think that'll be the extra 15 to 20. Yeah. Yeah. We'll do them one at a time.\n\nYeah. Yeah. Yeah. Yeah. Well, we'll do one at a time.\n\nWe'll do one and then put the money aside and let him have a his last, like, year or whatever with it. But yeah. Yeah. And we we told you that he'd spoken to his work about retiring technically next year, and they were fine with that, and then he'll come back with it. Yeah.\n\nYeah. Yeah. He was totally alright. Yep. Yep.\n\nYep. Perfect. Yeah. To complete it. Because at the moment, we've only got another twelve month lease in this house.\n\nSo we're hoping that because we'll we've been here for so long, they might just give us an extra six months. You know? Because we can't access the majority of the money until he turns 60, we can only give little dribbles here and there. You know, we're hoping that when he gets that money, we can get it finished. We'll know what needs to be done, and it can be done sooner and then have that last six months just to cull everything.\n\nOh, shit. Yep. Yep. That'll be fun. The world's biggest garage sale will be happening.\n\nI'm just gonna leave everything in the house and say whatever you want, just go for it. It is. Yeah. It will be. It will be exciting.\n\nYes. Yeah. For sure. Yeah. Yeah.\n\nCool. Alright. Yeah. That that would be great. Yeah.\n\nYeah. I think coming in is is probably a better idea. It it sort of syncs in a little bit more for both of us. Yeah. Yeah.\n\nCorrect. Yeah. Yep. Yep. Yep.\n\nCool. Cool. Alright. Yeah. So yeah.\n\nSorry. I I just wanted to have this phone call because I feel like I was I just needed to let you know everything that was going on. Weird. Oh, wonderful. Oh, that's so awesome.\n\nThank you so much. No. I don't think so. I think everything is sort of going according to plan at the moment. Oh, awesome.\n\nAwesome. Alright. Thanks so much for your time, Donna. I appreciate it. Oh, yes.\n\nI'm just gonna chill. Yeah. Absolutely. Yep. Yep.\n\nAlright. Thanks, Donna. Alright. Thank you. You too.\n\nBye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.52,"sentiment":"neutral","sentiment_score":0.01827894896268845},{"text":"Viv speaking.","start":1.52,"end":2.26,"sentiment":"neutral","sentiment_score":0.03191363252699375},{"text":"I'm well.","start":6.24,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.3213055729866028},{"text":"Thank you.","start":6.8799996,"end":7.7,"sentiment":"positive","sentiment_score":0.5600402653217316},{"text":"I've had this is my last day of leave.","start":11.44,"end":14.434999,"sentiment":"neutral","sentiment_score":-0.0824081086450153}],"sentiment":"neutral","sentiment_score":0.06894530705176294,"num_words":16,"start":1.1999999,"end":14.434999},{"sentences":[{"text":"Yeah.","start":16.175,"end":16.414999,"sentiment":"neutral","sentiment_score":0.04030443727970123},{"text":"I get back to work tomorrow.","start":16.414999,"end":17.875,"sentiment":"neutral","sentiment_score":0.036149789268771805},{"text":"So my last ten days has been wonderful, but don't ever wanna go back.","start":18.175,"end":23.875,"sentiment":"neutral","sentiment_score":0.10426938533782959},{"text":"Yeah.","start":24.015,"end":24.414999,"sentiment":"neutral","sentiment_score":0.08878432214260101},{"text":"Right.","start":24.414999,"end":24.914999,"sentiment":"neutral","sentiment_score":0.1119585931301117}],"sentiment":"neutral","sentiment_score":0.08337902099541995,"num_words":23,"start":16.175,"end":24.914999},{"sentences":[{"text":"Right.","start":25.134998,"end":25.634998,"sentiment":"neutral","sentiment_score":0.08946193754673004},{"text":"Yes.","start":30.07,"end":30.55,"sentiment":"neutral","sentiment_score":0.1147160306572914},{"text":"Yeah.","start":30.55,"end":31.029999,"sentiment":"neutral","sentiment_score":0.056457728147506714},{"text":"Yeah.","start":31.029999,"end":31.43,"sentiment":"neutral","sentiment_score":0.10157207399606703},{"text":"Absolutely.","start":31.43,"end":31.93,"sentiment":"neutral","sentiment_score":0.21180100739002228}],"sentiment":"neutral","sentiment_score":0.1148017555475235,"num_words":5,"start":25.134998,"end":31.93},{"sentences":[{"text":"Absolutely.","start":32.23,"end":32.73,"sentiment":"neutral","sentiment_score":0.27006077766418457},{"text":"Yep.","start":33.03,"end":33.53,"sentiment":"positive","sentiment_score":0.40190452337265015},{"text":"Of course.","start":39.91,"end":40.635,"sentiment":"neutral","sentiment_score":0.16188152134418488},{"text":"Yvette Harris, twenty five two '70.","start":49.274998,"end":51.375,"sentiment":"neutral","sentiment_score":0.023542936891317368},{"text":"Just had my birthday.","start":52.074997,"end":53.034996,"sentiment":"neutral","sentiment_score":0.07322844117879868}],"sentiment":"neutral","sentiment_score":0.10213569498487882,"num_words":14,"start":32.23,"end":53.034996},{"sentences":[{"text":"3 Mackenzie Street, Komara.","start":53.034996,"end":54.414997,"sentiment":"neutral","sentiment_score":0.045604316517710686},{"text":"Oh, no.","start":56.55,"end":57.27,"sentiment":"neutral","sentiment_score":-0.019356166943907738},{"text":"Thank you.","start":57.27,"end":58.010002,"sentiment":"neutral","sentiment_score":0.10334856808185577},{"text":"So well, this is all about the phone call.","start":60.79,"end":63.350002,"sentiment":"neutral","sentiment_score":0.06058278265926573},{"text":"Right?","start":63.350002,"end":63.75,"sentiment":"neutral","sentiment_score":0.04143062233924866}],"sentiment":"neutral","sentiment_score":0.05205987414552106,"num_words":18,"start":53.034996,"end":63.75},{"sentences":[{"text":"So we were in we were actually in Broken Hill.","start":63.75,"end":66.33,"sentiment":"neutral","sentiment_score":0.01938018249347806},{"text":"So the whole plan of our buying our bus has begun.","start":66.630005,"end":70.765,"sentiment":"neutral","sentiment_score":0.03659900684248318},{"text":"And we found one.","start":73.065,"end":74.525,"sentiment":"neutral","sentiment_score":0.0707940086722374},{"text":"It happened to be in Western Australia.","start":74.825,"end":76.765,"sentiment":"neutral","sentiment_score":0.04089505039155483},{"text":"So we flew over at the February and checked it out and got the mechanics all approval, everything, put down a deposit, and then flew back last Saturday, the twenty first, and drove her back across the country.","start":78.905,"end":92.56,"sentiment":"neutral","sentiment_score":0.08725056954120335}],"sentiment":"neutral","sentiment_score":0.06401934185996652,"num_words":70,"start":63.75,"end":92.56},{"sentences":[{"text":"So so that has all started.","start":94.745,"end":97.245,"sentiment":"neutral","sentiment_score":0.10834304988384247},{"text":"So the money that I've gotten from mom, we've used that to purchase the whole bus and everything, and we've gotten like, it's it's just perfect.","start":97.385,"end":106.665,"sentiment":"neutral","sentiment_score":0.3125054117005605},{"text":"She's gorgeous.","start":106.665,"end":107.225,"sentiment":"positive","sentiment_score":0.8189534544944763},{"text":"Her name is Priscilla, by the way.","start":107.225,"end":108.96,"sentiment":"positive","sentiment_score":0.5321349075862339},{"text":"Stop.","start":111.68,"end":112.0,"sentiment":"positive","sentiment_score":0.3551769256591797}],"sentiment":"positive","sentiment_score":0.3450768378873666,"num_words":42,"start":94.745,"end":112.0},{"sentences":[{"text":"It is so nice.","start":112.0,"end":113.14,"sentiment":"positive","sentiment_score":0.6490686386823654},{"text":"Yes.","start":114.56,"end":114.96,"sentiment":"neutral","sentiment_score":0.18406319618225095},{"text":"I know.","start":114.96,"end":115.54,"sentiment":"neutral","sentiment_score":0.12075920030474663},{"text":"And so the guy that's helping us do the fit out, we've also paid him 50,000 to get all the all the, like, all the mechanical stuff.","start":116.479996,"end":129.935,"sentiment":"neutral","sentiment_score":0.07257386931666622},{"text":"That's everything.","start":129.935,"end":130.655,"sentiment":"neutral","sentiment_score":0.10431838035583496}],"sentiment":"neutral","sentiment_score":0.14416631621619067,"num_words":36,"start":112.0,"end":130.655},{"sentences":[{"text":"Like, he got us a massive, massive discount on it.","start":130.655,"end":133.215,"sentiment":"neutral","sentiment_score":0.15465397462248803},{"text":"So but we had to pay it up in full in one go because, otherwise, he couldn't get the discount.","start":133.215,"end":137.715,"sentiment":"neutral","sentiment_score":-0.013284918945282697},{"text":"And Priscilla is currently at his work where he is starting, and we'll we'll start the seats pull out and all that sort of stuff in the next few days once we've got energy back.","start":138.12001,"end":147.90001,"sentiment":"neutral","sentiment_score":0.11454536361353738},{"text":"So that's basically all of mom's money that we've used for that, which was the plan.","start":148.76001,"end":155.185,"sentiment":"neutral","sentiment_score":0.07762314169667661},{"text":"Right?","start":155.185,"end":155.685,"sentiment":"neutral","sentiment_score":0.07153674960136414}],"sentiment":"neutral","sentiment_score":0.08052970866513688,"num_words":82,"start":130.655,"end":155.685},{"sentences":[{"text":"Right.","start":157.105,"end":157.265,"sentiment":"neutral","sentiment_score":0.14088252186775208},{"text":"Yeah.","start":157.265,"end":157.505,"sentiment":"neutral","sentiment_score":0.11678026616573334},{"text":"Yeah.","start":157.505,"end":157.745,"sentiment":"neutral","sentiment_score":0.09927033632993698},{"text":"Yeah.","start":157.745,"end":158.145,"sentiment":"neutral","sentiment_score":0.1106184422969818},{"text":"So we've still got 15,000 in the savings account, which we are just gonna keep growing and growing and growing.","start":158.145,"end":165.185,"sentiment":"neutral","sentiment_score":0.26350832507014277}],"sentiment":"neutral","sentiment_score":0.23907158616930246,"num_words":24,"start":157.105,"end":165.185},{"sentences":[{"text":"And each time we need a little bit for the bus, like, $2 here or whatever, we'll just, you know, hopefully have that money.","start":165.185,"end":171.26001,"sentiment":"neutral","sentiment_score":0.10554596704120438},{"text":"With my correct.","start":172.84001,"end":179.74,"sentiment":"neutral","sentiment_score":0.013388318320115411},{"text":"Correct.","start":179.88,"end":180.38,"sentiment":"neutral","sentiment_score":-0.012883566319942474},{"text":"But, fortunately, Phil's been doing quite a lot of overtime.","start":180.44,"end":183.965,"sentiment":"neutral","sentiment_score":0.065652384608984},{"text":"So we last last fortnight, like, we dumped $1,500 into it.","start":184.345,"end":189.865,"sentiment":"neutral","sentiment_score":0.0858707194301215}],"sentiment":"neutral","sentiment_score":0.08492829300919358,"num_words":49,"start":165.185,"end":189.865},{"sentences":[{"text":"So that was really good into our savings.","start":189.865,"end":191.965,"sentiment":"positive","sentiment_score":0.6170390546321869},{"text":"And I'm now full time.","start":192.105,"end":194.125,"sentiment":"neutral","sentiment_score":0.3282727003097534},{"text":"So yeah.","start":194.8,"end":196.24,"sentiment":"neutral","sentiment_score":0.11397047713398933},{"text":"So I work now Tuesday to Saturday each week, which means my income has increased as well.","start":196.24,"end":201.68,"sentiment":"neutral","sentiment_score":0.16178535231772592},{"text":"So we've got that little bit of extra sort of play money that we're, we're trying to put more and more aside.","start":201.68,"end":207.22,"sentiment":"neutral","sentiment_score":0.057741291651671585}],"sentiment":"neutral","sentiment_score":0.20048659812245104,"num_words":54,"start":189.865,"end":207.22},{"sentences":[{"text":"We've pretty much paid off Phil's credit card as well.","start":207.88501,"end":211.965,"sentiment":"neutral","sentiment_score":0.08168752230703831},{"text":"I think there's about $600 left, which is just nothing.","start":211.965,"end":216.225,"sentiment":"neutral","sentiment_score":0.17809928841888906},{"text":"Yeah.","start":217.80501,"end":218.125,"sentiment":"neutral","sentiment_score":0.17197389900684357},{"text":"So we've we've done really, really well in in all of that, and I I really just wanted to update you on where we were.","start":218.125,"end":223.97,"sentiment":"positive","sentiment_score":0.39361859500408175},{"text":"We we we also, the original plan, I think we were going to sell the van.","start":226.03,"end":231.57,"sentiment":"neutral","sentiment_score":0.1359583092853427}],"sentiment":"neutral","sentiment_score":0.23847806177312328,"num_words":62,"start":207.88501,"end":231.57},{"sentences":[{"text":"But the moment, I think we're going to keep it until we physically retire at this point only because we we still wanna do, like, little trips that we won't wanna do in the bus until we can take longer.","start":232.75,"end":247.52501,"sentiment":"neutral","sentiment_score":0.045735089015215634},{"text":"So, you know, we still wanna do the, like, the little weekends away and stuff, which we and go to places, like, down the side of the beach where we're a little bit still incognito.","start":249.74501,"end":258.67,"sentiment":"neutral","sentiment_score":0.10472674199513027},{"text":"We will be selling his bikes.","start":261.37,"end":262.97,"sentiment":"neutral","sentiment_score":0.27396175265312195},{"text":"We're in the process of trying to get them sorted to sell.","start":262.97,"end":266.27,"sentiment":"neutral","sentiment_score":0.2267268237968286},{"text":"He's not so happy, but he still argues with me, but he knows in the in the long term they do have to go because it's just silly.","start":266.81,"end":278.445,"sentiment":"neutral","sentiment_score":-0.19019793719053268}],"sentiment":"neutral","sentiment_score":0.03746933628581772,"num_words":121,"start":232.75,"end":278.445},{"sentences":[{"text":"It's silly.","start":278.505,"end":279.325,"sentiment":"neutral","sentiment_score":-0.32221925258636475},{"text":"Yeah.","start":281.065,"end":281.465,"sentiment":"neutral","sentiment_score":-0.10007394105196},{"text":"So I I think that was everything.","start":281.465,"end":285.22998,"sentiment":"neutral","sentiment_score":-0.06257728061505727},{"text":"I I just I felt like I just needed to tell you and update you on where we were.","start":285.22998,"end":290.27,"sentiment":"neutral","sentiment_score":0.01041819116002635},{"text":"Sorry if that's just being painful, but Yes.","start":290.27,"end":318.73,"sentiment":"neutral","sentiment_score":-0.20753416046500206}],"sentiment":"neutral","sentiment_score":-0.07148327195161097,"num_words":37,"start":278.505,"end":318.73},{"sentences":[{"text":"Yes.","start":318.73,"end":319.13,"sentiment":"neutral","sentiment_score":0.06611049920320511},{"text":"Yes.","start":319.13,"end":319.63,"sentiment":"neutral","sentiment_score":0.0611320436000824},{"text":"Oh, yes.","start":323.29,"end":324.495,"sentiment":"neutral","sentiment_score":0.05893510952591896},{"text":"Yes.","start":327.535,"end":327.935,"sentiment":"neutral","sentiment_score":0.051056087017059326},{"text":"For sure.","start":327.935,"end":328.335,"sentiment":"neutral","sentiment_score":0.029546255245804787}],"sentiment":"neutral","sentiment_score":0.05075162276625633,"num_words":7,"start":318.73,"end":328.335},{"sentences":[{"text":"For sure.","start":328.335,"end":329.07498,"sentiment":"neutral","sentiment_score":0.03336131013929844},{"text":"Yep.","start":336.59,"end":337.09,"sentiment":"neutral","sentiment_score":0.07340651005506516},{"text":"Yep.","start":346.43002,"end":346.93002,"sentiment":"neutral","sentiment_score":0.2839406132698059},{"text":"Oh, you've got no idea.","start":350.115,"end":351.395,"sentiment":"neutral","sentiment_score":0.06506508104503154},{"text":"And, of course, it was on the other end of the world, wasn't it?","start":351.395,"end":354.195,"sentiment":"neutral","sentiment_score":0.028366200492850373}],"sentiment":"neutral","sentiment_score":0.04984878068384917,"num_words":23,"start":328.335,"end":354.195},{"sentences":[{"text":"It just couldn't be in Sydney or even the Brisbane.","start":354.195,"end":357.495,"sentiment":"neutral","sentiment_score":-0.006287148036062717},{"text":"No.","start":357.795,"end":358.295,"sentiment":"neutral","sentiment_score":-0.03775549679994583},{"text":"But we had just we had four days off.","start":358.355,"end":361.98,"sentiment":"neutral","sentiment_score":-0.024229345222314198},{"text":"And then last minute, I just said to her, you know what?","start":362.14,"end":365.18002,"sentiment":"neutral","sentiment_score":-0.020076017826795578},{"text":"I'm so exhausted.","start":365.18002,"end":366.06,"sentiment":"neutral","sentiment_score":-0.2654108703136444}],"sentiment":"neutral","sentiment_score":-0.03873816882925374,"num_words":35,"start":354.195,"end":366.06},{"sentences":[{"text":"Let's just take the whole week.","start":366.06,"end":367.98,"sentiment":"neutral","sentiment_score":-0.05334503296762705},{"text":"Let's just take a ten day break.","start":367.98,"end":369.84,"sentiment":"neutral","sentiment_score":0.04731487163475582},{"text":"We'll go and do something.","start":369.90002,"end":370.86002,"sentiment":"neutral","sentiment_score":0.10487273931503296},{"text":"Even even if we're just at home, that's fine.","start":370.86002,"end":373.28,"sentiment":"neutral","sentiment_score":0.06684868244661225},{"text":"And not five days later, we found the bus.","start":373.42,"end":377.085,"sentiment":"neutral","sentiment_score":0.21071612503793505}],"sentiment":"neutral","sentiment_score":0.0842661352103783,"num_words":36,"start":366.06,"end":377.085},{"sentences":[{"text":"And it was like, oh, crap.","start":377.465,"end":379.485,"sentiment":"neutral","sentiment_score":0.15225918591022491},{"text":"It was meant to be.","start":379.54498,"end":380.685,"sentiment":"neutral","sentiment_score":-0.08395899906754493},{"text":"Yeah.","start":389.47,"end":389.87,"sentiment":"neutral","sentiment_score":0.1538277566432953},{"text":"Yeah.","start":389.87,"end":390.11,"sentiment":"neutral","sentiment_score":0.23124325275421145},{"text":"And and it's so good.","start":390.11,"end":391.22998,"sentiment":"positive","sentiment_score":0.5573661804199219}],"sentiment":"neutral","sentiment_score":0.2036478906455967,"num_words":18,"start":377.465,"end":391.22998},{"sentences":[{"text":"It's only ten years old.","start":391.22998,"end":392.27,"sentiment":"neutral","sentiment_score":0.2384678155183792},{"text":"It's done 350,000.","start":392.27,"end":394.53,"sentiment":"neutral","sentiment_score":0.20531209806601206},{"text":"There's nowhere in town.","start":394.83,"end":396.18997,"sentiment":"neutral","sentiment_score":0.12028797157108784},{"text":"It's honestly and it drove impeccably.","start":396.18997,"end":399.72998,"sentiment":"positive","sentiment_score":0.4379619012276332},{"text":"Impeccably.","start":401.515,"end":402.015,"sentiment":"positive","sentiment_score":0.4613446593284607}],"sentiment":"neutral","sentiment_score":0.283081227619397,"num_words":19,"start":391.22998,"end":402.015},{"sentences":[{"text":"Yeah.","start":402.475,"end":402.795,"sentiment":"neutral","sentiment_score":0.07119420170783997},{"text":"Yeah.","start":402.795,"end":403.115,"sentiment":"neutral","sentiment_score":0.04160739481449127},{"text":"It was a bus company in Bunbury.","start":403.115,"end":405.035,"sentiment":"neutral","sentiment_score":0.0220397895734225},{"text":"So, yeah, not even Perth, two hours south.","start":405.035,"end":407.215,"sentiment":"neutral","sentiment_score":0.0074577146442607045},{"text":"So we had to drive there and back that they it was a bus line, and they they were filling up.","start":407.915,"end":413.755,"sentiment":"neutral","sentiment_score":-0.023956929111764544}],"sentiment":"neutral","sentiment_score":-0.004640886069912659,"num_words":38,"start":402.475,"end":413.755},{"sentences":[{"text":"They were closing down.","start":413.755,"end":414.555,"sentiment":"neutral","sentiment_score":-0.1482429150491953},{"text":"He was retired, and he didn't wanna do it anymore.","start":414.555,"end":417.09,"sentiment":"neutral","sentiment_score":-0.06110597364604473},{"text":"So we got an absolute bargain.","start":417.09,"end":419.35,"sentiment":"neutral","sentiment_score":0.07984302130838235},{"text":"Everyone we've spoken to in the bus industry has just said that is amazing, and they've had a look over it.","start":419.41,"end":426.21,"sentiment":"neutral","sentiment_score":0.3068606509339242},{"text":"And all the guys at Phil's work has had a look at it this morning and over the weekend, and they just said it's absolutely fantastic.","start":426.21,"end":432.875,"sentiment":"positive","sentiment_score":0.5000524692810498}],"sentiment":"neutral","sentiment_score":0.279409919434519,"num_words":67,"start":413.755,"end":432.875},{"sentences":[{"text":"Yeah.","start":435.815,"end":436.315,"sentiment":"neutral","sentiment_score":0.08707709610462189},{"text":"Yes.","start":442.055,"end":442.555,"sentiment":"neutral","sentiment_score":0.015876740217208862},{"text":"I I think yeah.","start":448.62,"end":450.30002,"sentiment":"neutral","sentiment_score":0.013760510832071304},{"text":"I think with the cost of things sort of going up and whatever, it may be a little bit more than that, but not not exorbitant.","start":450.30002,"end":457.6,"sentiment":"neutral","sentiment_score":0.012950451041643437},{"text":"Like, we wanna stick to our our budget of a 150.","start":457.74002,"end":460.975,"sentiment":"neutral","sentiment_score":0.019252196631648323}],"sentiment":"neutral","sentiment_score":0.01642980859723202,"num_words":43,"start":435.815,"end":460.975},{"sentences":[{"text":"Mhmm.","start":461.67502,"end":461.995,"sentiment":"neutral","sentiment_score":0.028299858793616295},{"text":"So, you know, if it goes a little bit over, then so be it because what I sort also want to live in something that's gonna be comfortable for the rest of our life.","start":461.995,"end":469.535,"sentiment":"neutral","sentiment_score":0.058626234860104674},{"text":"Yeah.","start":471.035,"end":471.355,"sentiment":"neutral","sentiment_score":0.04854535311460495},{"text":"So, yeah, I think, yeah, I think we we probably major massively push it out to a 120 if need be.","start":471.355,"end":479.47998,"sentiment":"neutral","sentiment_score":0.04860913088279111},{"text":"Yeah.","start":479.47998,"end":479.8,"sentiment":"neutral","sentiment_score":0.05738123878836632}],"sentiment":"neutral","sentiment_score":0.05428121007722,"num_words":58,"start":461.67502,"end":479.8},{"sentences":[{"text":"I think because I've now got a higher income coming in as well, it's just sort of covering it a little bit more.","start":479.8,"end":487.70502,"sentiment":"neutral","sentiment_score":0.04590184217237908},{"text":"I think that'll be the extra 15 to 20.","start":496.325,"end":499.14502,"sentiment":"neutral","sentiment_score":0.053976412034697004},{"text":"Yeah.","start":500.79,"end":501.11,"sentiment":"neutral","sentiment_score":0.12079844623804092},{"text":"Yeah.","start":501.11,"end":501.43,"sentiment":"neutral","sentiment_score":0.12557777762413025},{"text":"We'll do them one at a time.","start":501.43,"end":502.94998,"sentiment":"neutral","sentiment_score":0.09299139678478241}],"sentiment":"neutral","sentiment_score":0.05948405072274732,"num_words":41,"start":479.8,"end":502.94998},{"sentences":[{"text":"Yeah.","start":502.94998,"end":503.44998,"sentiment":"neutral","sentiment_score":0.0967630296945572},{"text":"Yeah.","start":503.75,"end":504.25,"sentiment":"neutral","sentiment_score":0.2151926755905151},{"text":"Yeah.","start":514.70496,"end":515.20496,"sentiment":"neutral","sentiment_score":0.16509607434272766},{"text":"Yeah.","start":516.225,"end":516.625,"sentiment":"neutral","sentiment_score":0.06440781056880951},{"text":"Well, we'll do one at a time.","start":516.625,"end":517.665,"sentiment":"neutral","sentiment_score":0.07195357233285904}],"sentiment":"neutral","sentiment_score":0.0950122360478748,"num_words":11,"start":502.94998,"end":517.665},{"sentences":[{"text":"We'll do one and then put the money aside and let him have a his last, like, year or whatever with it.","start":517.665,"end":523.125,"sentiment":"neutral","sentiment_score":0.06394918178292838},{"text":"But yeah.","start":523.58496,"end":524.40497,"sentiment":"neutral","sentiment_score":0.08509977534413338},{"text":"Yeah.","start":524.945,"end":525.425,"sentiment":"neutral","sentiment_score":0.12610873579978943},{"text":"And we we told you that he'd spoken to his work about retiring technically next year, and they were fine with that, and then he'll come back with it.","start":525.425,"end":536.2,"sentiment":"neutral","sentiment_score":0.12071976232631453},{"text":"Yeah.","start":536.2,"end":536.36,"sentiment":"neutral","sentiment_score":0.052352599799633026}],"sentiment":"neutral","sentiment_score":0.095571199872277,"num_words":55,"start":517.665,"end":536.36},{"sentences":[{"text":"Yeah.","start":536.36,"end":536.6,"sentiment":"neutral","sentiment_score":0.05394117906689644},{"text":"Yeah.","start":536.6,"end":536.83997,"sentiment":"neutral","sentiment_score":0.06000925227999687},{"text":"He was totally alright.","start":536.83997,"end":538.06,"sentiment":"neutral","sentiment_score":0.08747321274131536},{"text":"Yep.","start":546.065,"end":546.565,"sentiment":"neutral","sentiment_score":0.10101191699504852},{"text":"Yep.","start":549.265,"end":549.765,"sentiment":"neutral","sentiment_score":0.08387124538421631}],"sentiment":"neutral","sentiment_score":0.08109080558642745,"num_words":8,"start":536.36,"end":549.765},{"sentences":[{"text":"Yep.","start":552.945,"end":553.265,"sentiment":"neutral","sentiment_score":0.13264955580234528},{"text":"Perfect.","start":553.265,"end":553.765,"sentiment":"neutral","sentiment_score":0.2678476572036743},{"text":"Yeah.","start":568.605,"end":568.845,"sentiment":"neutral","sentiment_score":0.11209364235401154},{"text":"To complete it.","start":568.845,"end":569.725,"sentiment":"neutral","sentiment_score":0.060538191348314285},{"text":"Because at the moment, we've only got another twelve month lease in this house.","start":569.725,"end":573.345,"sentiment":"neutral","sentiment_score":-0.07388757036200591}],"sentiment":"neutral","sentiment_score":-0.01701102778315544,"num_words":20,"start":552.945,"end":573.345},{"sentences":[{"text":"So we're hoping that because we'll we've been here for so long, they might just give us an extra six months.","start":574.605,"end":580.845,"sentiment":"neutral","sentiment_score":-0.027174099599679244},{"text":"You know?","start":580.845,"end":581.245,"sentiment":"neutral","sentiment_score":-0.0384431816637516},{"text":"Because we can't access the majority of the money until he turns 60, we can only give little dribbles here and there.","start":581.245,"end":587.43,"sentiment":"neutral","sentiment_score":-0.0894207466732372},{"text":"You know, we're hoping that when he gets that money, we can get it finished.","start":588.45,"end":591.99,"sentiment":"neutral","sentiment_score":0.009439335266749064},{"text":"We'll know what needs to be done, and it can be done sooner and then have that last six months just to cull everything.","start":592.45,"end":600.055,"sentiment":"neutral","sentiment_score":0.005365768137077491}],"sentiment":"neutral","sentiment_score":-0.027909885921915355,"num_words":84,"start":574.605,"end":600.055},{"sentences":[{"text":"Oh, shit.","start":600.195,"end":600.935,"sentiment":"neutral","sentiment_score":-0.19562195241451263},{"text":"Yep.","start":601.235,"end":601.735,"sentiment":"neutral","sentiment_score":0.023988377302885056},{"text":"Yep.","start":601.95496,"end":602.45496,"sentiment":"neutral","sentiment_score":0.04780791327357292},{"text":"That'll be fun.","start":602.915,"end":603.89496,"sentiment":"neutral","sentiment_score":0.24301548798878989},{"text":"The world's biggest garage sale will be happening.","start":604.355,"end":606.77496,"sentiment":"positive","sentiment_score":0.3750321976840496}],"sentiment":"neutral","sentiment_score":0.22732376207907995,"num_words":15,"start":600.195,"end":606.77496},{"sentences":[{"text":"I'm just gonna leave everything in the house and say whatever you want, just go for it.","start":608.755,"end":616.36,"sentiment":"neutral","sentiment_score":0.2179824438165216},{"text":"It is.","start":619.54004,"end":620.2,"sentiment":"neutral","sentiment_score":0.2543864920735359},{"text":"Yeah.","start":620.42,"end":620.92,"sentiment":"positive","sentiment_score":0.3524205684661865},{"text":"It will be.","start":622.82,"end":623.54004,"sentiment":"neutral","sentiment_score":0.3274966975053151},{"text":"It will be exciting.","start":623.54004,"end":624.60004,"sentiment":"positive","sentiment_score":0.4962892159819603}],"sentiment":"neutral","sentiment_score":0.27905711310881154,"num_words":27,"start":608.755,"end":624.60004},{"sentences":[{"text":"Yes.","start":624.66003,"end":625.06,"sentiment":"neutral","sentiment_score":0.18387237191200256},{"text":"Yeah.","start":625.06,"end":625.38,"sentiment":"neutral","sentiment_score":0.19437450170516968},{"text":"For sure.","start":625.38,"end":626.12,"sentiment":"neutral","sentiment_score":0.22505589574575424},{"text":"Yeah.","start":626.42,"end":626.92,"sentiment":"neutral","sentiment_score":0.2616359293460846},{"text":"Yeah.","start":641.81,"end":642.21,"sentiment":"neutral","sentiment_score":0.09783873707056046}],"sentiment":"neutral","sentiment_score":0.19797222192088762,"num_words":6,"start":624.66003,"end":642.21},{"sentences":[{"text":"Cool.","start":642.21,"end":642.45,"sentiment":"neutral","sentiment_score":0.25835639238357544},{"text":"Alright.","start":642.45,"end":642.85,"sentiment":"neutral","sentiment_score":0.1573081612586975},{"text":"Yeah.","start":642.85,"end":643.01,"sentiment":"neutral","sentiment_score":0.14045387506484985},{"text":"That that would be great.","start":643.01,"end":644.05,"sentiment":"neutral","sentiment_score":0.22887019515037538},{"text":"Yeah.","start":644.05,"end":644.55,"sentiment":"neutral","sentiment_score":0.13438360393047333}],"sentiment":"neutral","sentiment_score":0.2038725564877192,"num_words":9,"start":642.21,"end":644.55},{"sentences":[{"text":"Yeah.","start":660.045,"end":660.445,"sentiment":"neutral","sentiment_score":0.018483182415366173},{"text":"I think coming in is is probably a better idea.","start":660.445,"end":663.325,"sentiment":"neutral","sentiment_score":0.044742751121521},{"text":"It it sort of syncs in a little bit more for both of us.","start":663.325,"end":666.385,"sentiment":"neutral","sentiment_score":0.10947140891637121},{"text":"Yeah.","start":666.97003,"end":667.47003,"sentiment":"neutral","sentiment_score":0.15357720851898193},{"text":"Yeah.","start":672.17,"end":672.57,"sentiment":"neutral","sentiment_score":0.03957802429795265}],"sentiment":"neutral","sentiment_score":0.08117280189913732,"num_words":27,"start":660.045,"end":672.57},{"sentences":[{"text":"Correct.","start":672.57,"end":673.07,"sentiment":"neutral","sentiment_score":0.058595210313797},{"text":"Yeah.","start":674.41003,"end":674.81,"sentiment":"neutral","sentiment_score":0.07286664843559265},{"text":"Yep.","start":674.81,"end":675.05,"sentiment":"neutral","sentiment_score":0.07829529047012329},{"text":"Yep.","start":675.05,"end":675.37,"sentiment":"neutral","sentiment_score":0.11089586466550828},{"text":"Yep.","start":675.37,"end":675.77,"sentiment":"neutral","sentiment_score":0.20090815424919128}],"sentiment":"neutral","sentiment_score":0.1043122336268425,"num_words":5,"start":672.57,"end":675.77},{"sentences":[{"text":"Cool.","start":675.77,"end":676.01,"sentiment":"positive","sentiment_score":0.607860267162323},{"text":"Cool.","start":676.01,"end":676.51,"sentiment":"positive","sentiment_score":0.5904349088668823},{"text":"Alright.","start":677.05,"end":677.55,"sentiment":"neutral","sentiment_score":0.3179771602153778},{"text":"Yeah.","start":677.93,"end":678.25,"sentiment":"neutral","sentiment_score":0.2220906168222427},{"text":"So yeah.","start":678.25,"end":678.89,"sentiment":"neutral","sentiment_score":0.18822234123945236}],"sentiment":"positive","sentiment_score":0.35246793925762177,"num_words":6,"start":675.77,"end":678.89},{"sentences":[{"text":"Sorry.","start":678.89,"end":679.21,"sentiment":"neutral","sentiment_score":0.024548977613449097},{"text":"I I just wanted to have this phone call because I feel like I was I just needed to let you know everything that was going on.","start":679.21,"end":686.29504,"sentiment":"neutral","sentiment_score":-0.07863969666262467},{"text":"Weird.","start":695.235,"end":695.555,"sentiment":"neutral","sentiment_score":0.04384222254157066},{"text":"Oh, wonderful.","start":695.555,"end":696.29504,"sentiment":"neutral","sentiment_score":0.26143231987953186},{"text":"Oh, that's so awesome.","start":698.1,"end":699.31995,"sentiment":"neutral","sentiment_score":0.049703570548444986}],"sentiment":"neutral","sentiment_score":-0.03809147679380008,"num_words":35,"start":678.89,"end":699.31995},{"sentences":[{"text":"Thank you so much.","start":699.45996,"end":700.68,"sentiment":"neutral","sentiment_score":0.3087376281619072},{"text":"No.","start":706.57996,"end":706.98,"sentiment":"neutral","sentiment_score":-0.05832817405462265},{"text":"I don't think so.","start":706.98,"end":707.86,"sentiment":"neutral","sentiment_score":-0.06336997635662556},{"text":"I think everything is sort of going according to plan at the moment.","start":707.86,"end":720.035,"sentiment":"neutral","sentiment_score":0.0424536200096974},{"text":"Oh, awesome.","start":722.355,"end":723.175,"sentiment":"positive","sentiment_score":0.4266453981399536}],"sentiment":"neutral","sentiment_score":0.09701376206551988,"num_words":24,"start":699.45996,"end":723.175},{"sentences":[{"text":"Awesome.","start":723.39496,"end":723.89496,"sentiment":"positive","sentiment_score":0.5423533916473389},{"text":"Alright.","start":724.99,"end":725.31,"sentiment":"positive","sentiment_score":0.35846102237701416},{"text":"Thanks so much for your time, Donna.","start":725.31,"end":726.99,"sentiment":"positive","sentiment_score":0.5517697632312775},{"text":"I appreciate it.","start":726.99,"end":727.97003,"sentiment":"positive","sentiment_score":0.3874570329984029},{"text":"Oh, yes.","start":732.11005,"end":732.75,"sentiment":"neutral","sentiment_score":0.08873762935400009}],"sentiment":"positive","sentiment_score":0.43593207959617886,"num_words":14,"start":723.39496,"end":732.75},{"sentences":[{"text":"I'm just gonna chill.","start":732.75,"end":734.05,"sentiment":"neutral","sentiment_score":0.08564228285104036},{"text":"Yeah.","start":739.325,"end":739.565,"sentiment":"neutral","sentiment_score":0.15919265151023865},{"text":"Absolutely.","start":739.565,"end":740.065,"sentiment":"neutral","sentiment_score":0.30682075023651123},{"text":"Yep.","start":740.84503,"end":741.325,"sentiment":"neutral","sentiment_score":0.15007178485393524},{"text":"Yep.","start":741.325,"end":741.825,"sentiment":"neutral","sentiment_score":0.1945469230413437}],"sentiment":"neutral","sentiment_score":0.14415015513077378,"num_words":8,"start":732.75,"end":741.825},{"sentences":[{"text":"Alright.","start":743.005,"end":743.485,"sentiment":"positive","sentiment_score":0.4385981559753418},{"text":"Thanks, Donna.","start":743.485,"end":744.385,"sentiment":"positive","sentiment_score":0.6725175380706787},{"text":"Alright.","start":745.965,"end":746.465,"sentiment":"positive","sentiment_score":0.4833705425262451},{"text":"Thank you.","start":746.685,"end":747.085,"sentiment":"positive","sentiment_score":0.6466634571552277},{"text":"You too.","start":747.085,"end":747.645,"sentiment":"positive","sentiment_score":0.42490632832050323}],"sentiment":"positive","sentiment_score":0.5512679181993008,"num_words":8,"start":743.005,"end":747.645},{"sentences":[{"text":"Bye bye.","start":747.645,"end":748.305,"sentiment":"neutral","sentiment_score":0.26470746099948883}],"sentiment":"neutral","sentiment_score":0.26470746099948883,"num_words":2,"start":747.645,"end":748.305}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Viv speaking.\n\nChannel 0: Hi, Yvette. This is Dana from OP Financial. How are you this morning?\n\nChannel 1: I'm well. Thank you.\n\nChannel 0: That's good. How was your weekend?\n\nChannel 1: I've had this is my last day of leave.\n\nChannel 0: Wow. We're\n\nChannel 1: Yeah.\n\nChannel 0: back\n\nChannel 1: I\n\nChannel 0: to\n\nChannel 1: get\n\nChannel 0: work.\n\nChannel 1: back to work tomorrow. So my last ten days has been wonderful, but\n\nChannel 0: Yeah.\n\nChannel 1: don't\n\nChannel 0: Back\n\nChannel 1: ever\n\nChannel 0: to reality.\n\nChannel 1: wanna go back. Yeah. Right. Right.\n\nChannel 0: No. All good. I had you booked in for a bit of a catch up this morning. Is now a good time\n\nChannel 1: Yes.\n\nChannel 0: there for\n\nChannel 1: Yeah.\n\nChannel 0: you?\n\nChannel 1: Yeah. Absolutely.\n\nChannel 0: Yep.\n\nChannel 1: Absolutely.\n\nChannel 0: For you\n\nChannel 1: Yep.\n\nChannel 0: beautiful. And just to do let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Of course.\n\nChannel 0: Lovely. And just to do security today with you as well, I am discussing your personal information. So just to confirm your full name, address, and date of birth I should have on file.\n\nChannel 1: Yvette Harris, twenty five two\n\nChannel 0: Yep.\n\nChannel 1: '70.\n\nChannel 0: Yep.\n\nChannel 1: Just had my birthday. 3 Mackenzie Street, Komara.\n\nChannel 0: You did. Happy birthday.\n\nChannel 1: Oh,\n\nChannel 0: That's\n\nChannel 1: no.\n\nChannel 0: exciting.\n\nChannel 1: Thank you.\n\nChannel 0: Did you go out for dinner? Did you do anything fun?\n\nChannel 1: So well, this is all about the phone call. Right? So we were\n\nChannel 0: Yeah.\n\nChannel 1: in we were actually in Broken Hill. So the whole plan of our buying our bus has begun.\n\nChannel 0: Oh, wow.\n\nChannel 1: And we found one. It\n\nChannel 0: Yeah.\n\nChannel 1: happened to be in Western Australia.\n\nChannel 0: Yes.\n\nChannel 1: So we flew over at the February and checked it out and got the mechanics all approval, everything, put down a deposit, and then\n\nChannel 0: Yep.\n\nChannel 1: flew\n\nChannel 0: Yep.\n\nChannel 1: back last Saturday, the twenty first, and drove her back across the country.\n\nChannel 0: Yeah. Wow.\n\nChannel 1: So so that has all started. So the money that I've gotten from mom, we've used that to purchase\n\nChannel 0: Okay.\n\nChannel 1: the whole bus and everything, and\n\nChannel 0: Perfect.\n\nChannel 1: we've gotten like, it's it's just perfect. She's gorgeous. Her name is Priscilla, by the way.\n\nChannel 0: I love that. That is so appropriate. I\n\nChannel 1: Stop.\n\nChannel 0: love\n\nChannel 1: It\n\nChannel 0: it.\n\nChannel 1: is so nice. Yes. I know. And so the guy that's helping us do the fit out, we've also paid him 50,000\n\nChannel 0: Yep. Yep.\n\nChannel 1: to get all the all the, like, all the mechanical stuff. That's everything. Like,\n\nChannel 0: Yes.\n\nChannel 1: he got us a\n\nChannel 0: Yep.\n\nChannel 1: massive, massive discount on it. So but\n\nChannel 0: Yep.\n\nChannel 1: we had to pay it up in full in one go because, otherwise, he couldn't get the discount. And\n\nChannel 0: Absolutely.\n\nChannel 1: Priscilla is currently at his work where he is\n\nChannel 0: Yep.\n\nChannel 1: starting, and we'll we'll start the seats pull out and all that sort of stuff in the next few days once we've got energy back.\n\nChannel 0: Yep.\n\nChannel 1: So that's basically all of mom's money\n\nChannel 0: Yep.\n\nChannel 1: that we've used for that, which was the plan. Right?\n\nChannel 0: Yeah. Yeah. Absolutely.\n\nChannel 1: Right. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Yeah. So we've still got 15,000 in the savings account, which we are just gonna keep growing and growing and growing. And each time we need a little bit for the bus, like, $2 here or whatever,\n\nChannel 0: Yep.\n\nChannel 1: we'll just, you know, hopefully have that money.\n\nChannel 0: Yes. Because\n\nChannel 1: With\n\nChannel 0: you're still\n\nChannel 1: my\n\nChannel 0: saving about $200 per week out of your income that was going into those savings accounts, weren't you? Sorry to cut you\n\nChannel 1: correct.\n\nChannel 0: off. I do\n\nChannel 1: Correct.\n\nChannel 0: apologize. Yep.\n\nChannel 1: But,\n\nChannel 0: Yep.\n\nChannel 1: fortunately, Phil's been doing quite a lot of overtime. So we last last fortnight, like, we dumped $1,500 into\n\nChannel 0: Yep. Yes.\n\nChannel 1: it.\n\nChannel 0: Perfect.\n\nChannel 1: So that was really good into our savings. And I'm now full time.\n\nChannel 0: Yeah.\n\nChannel 1: So yeah. So I work now Tuesday to Saturday each week,\n\nChannel 0: Yep.\n\nChannel 1: which means\n\nChannel 0: Yep.\n\nChannel 1: my income has increased as well. So we've got that little bit of extra sort of play money that we're, we're trying to put more and more aside. We've pretty much paid off Phil's credit card as\n\nChannel 0: Wow.\n\nChannel 1: well.\n\nChannel 0: Perfect.\n\nChannel 1: I think there's about\n\nChannel 0: Yep.\n\nChannel 1: $600 left, which is just\n\nChannel 0: Yep.\n\nChannel 1: nothing. Yeah. So we've we've done really, really well in in all\n\nChannel 0: Yep.\n\nChannel 1: of that, and I I really just wanted to update you on where we were.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: We we\n\nChannel 0: Perfect.\n\nChannel 1: we also, the original plan, I think we were going to sell the van.\n\nChannel 0: Yes.\n\nChannel 1: But the moment, I think we're going to keep it until we physically retire\n\nChannel 0: Okay.\n\nChannel 1: at this point\n\nChannel 0: Yep.\n\nChannel 1: only because we we still wanna do, like, little trips that we won't wanna do in the bus until we can take\n\nChannel 0: Yes.\n\nChannel 1: longer.\n\nChannel 0: Yep. That's fine.\n\nChannel 1: So,\n\nChannel 0: Yep.\n\nChannel 1: you know, we still wanna do the, like, the little weekends away and stuff, which we and go to places, like, down the side of the beach where we're a little bit still incognito.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: We will be selling his bikes. We're in the process of trying to get them sorted to sell.\n\nChannel 0: Okay.\n\nChannel 1: He's not so happy, but\n\nChannel 0: I was about to say that was one thing that was put on the back burner, so the bikes are going,\n\nChannel 1: he still\n\nChannel 0: the van's\n\nChannel 1: argues\n\nChannel 0: staying.\n\nChannel 1: with me, but he knows in the in the long term they do have to go because it's\n\nChannel 0: Yeah.\n\nChannel 1: just silly.\n\nChannel 0: Yep.\n\nChannel 1: It's silly. Yeah. So I I think that was everything. I I just I felt like I just needed to tell you and update\n\nChannel 0: Yep.\n\nChannel 1: you\n\nChannel 0: No. That's fantastic.\n\nChannel 1: on where we were. Sorry if that's\n\nChannel 0: Perfect.\n\nChannel 1: just being painful, but\n\nChannel 0: No. It is absolutely perfect because it I can go back and update all our files in the back end. And then when we speak next time, we've got a bit of an idea of how things have changed and how things have progressed, and we can kind of keep moving along there. And if it if it changes the advice slightly, that's okay. Advice is meant to be changeable along the way.\n\nSo you're selling the bikes, you're gonna keep the van for a bit longer, you've picked up hours, and you're saving more money, which is great to kind of offset with the the van build.\n\nChannel 1: Yes.\n\nChannel 0: But\n\nChannel 1: Yes.\n\nChannel 0: then because\n\nChannel 1: Yes.\n\nChannel 0: Phil's also due to be 59 in a couple of weeks' time,\n\nChannel 1: Oh,\n\nChannel 0: so he's\n\nChannel 1: yes.\n\nChannel 0: closer to that 60. So we'll keep sort of monitoring things.\n\nChannel 1: Yes.\n\nChannel 0: If it\n\nChannel 1: For\n\nChannel 0: gets\n\nChannel 1: sure.\n\nChannel 0: to\n\nChannel 1: For\n\nChannel 0: the point\n\nChannel 1: sure.\n\nChannel 0: where we need to draw a little bit more out of that utilizing that transient time, it's sort of account when he does turn 60, we can always\n\nChannel 1: Yep.\n\nChannel 0: do it over two financial years. So we can draw more money out if we need to. It just means we take it out over a few different financial years. But we can always work on that. That's not a problem.\n\nBut,\n\nChannel 1: Yep.\n\nChannel 0: honestly, I'm so glad you guys found the bus. That's exciting.\n\nChannel 1: Oh, you've got no idea. And, of course, it was on the other end of the world, wasn't it? It just couldn't\n\nChannel 0: Of\n\nChannel 1: be\n\nChannel 0: course.\n\nChannel 1: in Sydney or even the Brisbane. No. But we had just we had four days off. And then\n\nChannel 0: Yep.\n\nChannel 1: last minute, I just said to her, you know what? I'm so exhausted. Let's just take the whole week. Let's just take\n\nChannel 0: Yep.\n\nChannel 1: a ten day break. We'll\n\nChannel 0: Yep.\n\nChannel 1: go and do something. Even even if we're just at home, that's fine. And not five days later, we found\n\nChannel 0: Yes.\n\nChannel 1: the bus. And\n\nChannel 0: That's\n\nChannel 1: it was like,\n\nChannel 0: incredible.\n\nChannel 1: oh, crap. It was meant to be.\n\nChannel 0: Wow. So because the bus was expected you sort of estimating it to be about 100,000. So the bus cost you a bit less than what the estimated was gonna be.\n\nChannel 1: Yeah. Yeah. And and it's so good. It's only ten years old. It's done 350,000.\n\nThere's nowhere in town. It's honestly and it drove impeccably.\n\nChannel 0: Wow. Fantastic.\n\nChannel 1: Impeccably. Yeah. Yeah. It was a bus company in Bunbury. So, yeah, not even\n\nChannel 0: Yep.\n\nChannel 1: Perth, two hours south.\n\nChannel 0: Wow.\n\nChannel 1: So we had to drive there and back that they it was a bus line, and they they were filling up. They were closing down.\n\nChannel 0: Yep.\n\nChannel 1: He was retired, and he didn't wanna do it anymore. So we got an absolute bargain. Everyone we've spoken to in the bus industry\n\nChannel 0: Yeah.\n\nChannel 1: has just said that is amazing, and they've had a look over it. And all the guys at Phil's work has had a look at it this morning and over the weekend, and they just said it's absolutely fantastic.\n\nChannel 0: Oh, wow. That's incredible. And it's\n\nChannel 1: Yeah.\n\nChannel 0: you've paid the $50,000 deposit for having the interior kind of started. What's the\n\nChannel 1: Yes.\n\nChannel 0: estimated total cost of that? We were roughly estimating about 100,000 for the total interior rebuild.\n\nChannel 1: I I think yeah. I think with the cost of things sort of going up and whatever, it may be a little bit more than that,\n\nChannel 0: Yep.\n\nChannel 1: but not not exorbitant. Like, we wanna stick to our our budget of a 150.\n\nChannel 0: Yep.\n\nChannel 1: Mhmm. So, you know, if it goes a little bit over, then so be it because what I sort also want to live in something that's gonna be comfortable\n\nChannel 0: Yes.\n\nChannel 1: for the rest of our life.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Yeah. So, yeah, I think,\n\nChannel 0: Perfect.\n\nChannel 1: yeah, I think we we probably major massively push it out to a 120\n\nChannel 0: Okay.\n\nChannel 1: if need be. Yeah. I think because I've now got a higher income coming in as well,\n\nChannel 0: Yeah.\n\nChannel 1: it's just sort of covering it a little bit more.\n\nChannel 0: Perfect. Perfect. And with the sale of the bikes, how much are you guys trying to sell them? For what's the total you estimate you should have once the bikes are sold?\n\nChannel 1: I think that'll be the extra 15 to 20.\n\nChannel 0: Okay. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah. We'll\n\nChannel 0: roughly\n\nChannel 1: do them\n\nChannel 0: 15\n\nChannel 1: one\n\nChannel 0: to\n\nChannel 1: at\n\nChannel 0: 20\n\nChannel 1: a time.\n\nChannel 0: thousand.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Well, I hope Phil has a good birthday coming up. I'm so sorry for the sale of the bikes, but I'm excited for the overall, the outcome\n\nChannel 1: Yeah.\n\nChannel 0: at the end of this.\n\nChannel 1: Yeah. Well, we'll do one at a time. We'll do one and then put the money\n\nChannel 0: Yeah.\n\nChannel 1: aside and let him have a his last, like, year or whatever with it. But\n\nChannel 0: Yep.\n\nChannel 1: yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: And\n\nChannel 0: Oh,\n\nChannel 1: we\n\nChannel 0: that's beautiful.\n\nChannel 1: we told you that he'd spoken to his work about retiring technically next year,\n\nChannel 0: Yes.\n\nChannel 1: and\n\nChannel 0: Yes.\n\nChannel 1: they were fine with that,\n\nChannel 0: They\n\nChannel 1: and then\n\nChannel 0: were\n\nChannel 1: he'll\n\nChannel 0: fine. Yeah.\n\nChannel 1: come back with it.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: He was\n\nChannel 0: That's\n\nChannel 1: totally\n\nChannel 0: fine.\n\nChannel 1: alright.\n\nChannel 0: When we get closer to that, we'll have another conversation kind of outside. If you just wanna make it, we come into the office and do it in the office. That would be perfectly fine. We can\n\nChannel 1: Yep.\n\nChannel 0: talk about the outcomes and what we're looking at and how it works and update\n\nChannel 1: Yep.\n\nChannel 0: the advice structure to incorporate that.\n\nChannel 1: Yep. Perfect.\n\nChannel 0: But, yeah, look, at the end of the day, it's up to you guys how you do it. If you do he decides to fully retire, we take out a bigger lump sum, and then he goes back to work. There's nothing wrong with that in any way, shape, or form. It's just how it's gonna work out best for you guys and and get the money you need to complete that\n\nChannel 1: Yeah.\n\nChannel 0: goal.\n\nChannel 1: To complete\n\nChannel 0: So\n\nChannel 1: it. Because at the moment,\n\nChannel 0: yep.\n\nChannel 1: we've only got another twelve month lease in this house.\n\nChannel 0: Okay.\n\nChannel 1: So we're hoping that because we'll we've been here for so long, they might just give us an extra six months. You know? Because\n\nChannel 0: Yeah.\n\nChannel 1: we can't access the majority of the money until he turns\n\nChannel 0: Yeah.\n\nChannel 1: 60, we can only give little dribbles here and there.\n\nChannel 0: Yeah.\n\nChannel 1: You know, we're hoping that when he gets that money, we can get it finished.\n\nChannel 0: Yep.\n\nChannel 1: We'll\n\nChannel 0: Yep.\n\nChannel 1: know what needs to be done, and it can be done sooner and then have that last six months just\n\nChannel 0: Yep.\n\nChannel 1: to\n\nChannel 0: Yep.\n\nChannel 1: cull everything. Oh, shit.\n\nChannel 0: Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Perfect.\n\nChannel 1: Yep.\n\nChannel 0: No. That'll\n\nChannel 1: That'll be\n\nChannel 0: be\n\nChannel 1: fun.\n\nChannel 0: fantastic.\n\nChannel 1: The\n\nChannel 0: Yeah.\n\nChannel 1: world's biggest garage sale will be happening.\n\nChannel 0: Absolutely.\n\nChannel 1: I'm just gonna leave everything in the house and say whatever you want, just go for\n\nChannel 0: Yep. Oh, no. That is I'm so excited\n\nChannel 1: it.\n\nChannel 0: for you. It's fantastic. This dream is coming to fruition slowly but\n\nChannel 1: It\n\nChannel 0: surely,\n\nChannel 1: is.\n\nChannel 0: and it's\n\nChannel 1: Yeah.\n\nChannel 0: the outcome is gonna be amazing at the end of it. So\n\nChannel 1: It will\n\nChannel 0: yeah.\n\nChannel 1: be. It will be exciting.\n\nChannel 0: Yeah.\n\nChannel 1: Yes. Yeah. For sure.\n\nChannel 0: Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: Oh, I'm so glad that thank you so much for updating me. I know you guys are due to have your annual review in about August, but if you wanna do a bit of a catch up around the end of financial year, we can also do that as well. You let me know kind of how you wanna move forward and when you want catch ups and things like\n\nChannel 1: Yeah.\n\nChannel 0: that.\n\nChannel 1: Cool. Alright.\n\nChannel 0: But\n\nChannel 1: Yeah. That that would be\n\nChannel 0: yeah.\n\nChannel 1: great. Yeah.\n\nChannel 0: But, otherwise, I do do a full annual review in August, and we can make it. You just can come in on a day if you want. We can do it over the phone. It's not a problem. But if you want to come into the office, we can always sit down, mull over everything together, and just kinda go through a big double under review, look at where things are up to, and look at maybe\n\nChannel 1: Yeah.\n\nChannel 0: updating\n\nChannel 1: I think\n\nChannel 0: the advice.\n\nChannel 1: coming in is is probably a better idea. It it sort of syncs in a little bit more for both of us.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: You can sort of see everything there right in front of you, ask more questions if you need to, get a\n\nChannel 1: Yeah.\n\nChannel 0: bit more\n\nChannel 1: Correct.\n\nChannel 0: time, more personal, so not a problem\n\nChannel 1: Yeah.\n\nChannel 0: at\n\nChannel 1: Yep.\n\nChannel 0: all.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Love\n\nChannel 1: Cool.\n\nChannel 0: that.\n\nChannel 1: Cool.\n\nChannel 0: Fantastic.\n\nChannel 1: Alright. Yeah. So\n\nChannel 0: All\n\nChannel 1: yeah.\n\nChannel 0: good.\n\nChannel 1: Sorry. I\n\nChannel 0: Yeah.\n\nChannel 1: I just wanted\n\nChannel 0: No.\n\nChannel 1: to have this phone call because I feel like I was I just needed\n\nChannel 0: Yeah.\n\nChannel 1: to let you know everything that\n\nChannel 0: Absolutely.\n\nChannel 1: was going on.\n\nChannel 0: Absolutely. Please don't ever feel like you're taking up my time or anything. I'm here for you. I work for you guys, so you are welcome to call me anytime you need. Jordan knows\n\nChannel 1: Weird.\n\nChannel 0: she can\n\nChannel 1: Oh,\n\nChannel 0: put you\n\nChannel 1: wonderful.\n\nChannel 0: in her calendar whenever it suits you guys, so it's not\n\nChannel 1: Oh,\n\nChannel 0: a\n\nChannel 1: that's\n\nChannel 0: problem\n\nChannel 1: so\n\nChannel 0: at\n\nChannel 1: awesome.\n\nChannel 0: all.\n\nChannel 1: Thank you\n\nChannel 0: Yeah.\n\nChannel 1: so much.\n\nChannel 0: That's okay. Is there anything else you needed or any other questions or anything either of you wanted me to follow-up at the moment? Or\n\nChannel 1: No. I don't think so. I think\n\nChannel 0: No.\n\nChannel 1: everything is sort of going according to plan\n\nChannel 0: It's working it's working it's well it's working\n\nChannel 1: at\n\nChannel 0: well. It's all everything's going nicely. I've been\n\nChannel 1: the\n\nChannel 0: having a look at everything every a couple of weeks to see where it's all\n\nChannel 1: moment.\n\nChannel 0: tracking, and so far, everything's going nicely. So yeah.\n\nChannel 1: Oh, awesome. Awesome.\n\nChannel 0: Perfect.\n\nChannel 1: Alright. Thanks so much for your time, Donna. I appreciate\n\nChannel 0: Oh,\n\nChannel 1: it.\n\nChannel 0: not a problem at all, but I hope you have a wonderful last day off.\n\nChannel 1: Oh,\n\nChannel 0: And\n\nChannel 1: yes.\n\nChannel 0: yeah.\n\nChannel 1: I'm just gonna\n\nChannel 0: Look.\n\nChannel 1: chill.\n\nChannel 0: Sounds nice. It's a wet weather out there, so it's a good bed today. Just\n\nChannel 1: Yeah.\n\nChannel 0: chill\n\nChannel 1: Absolutely.\n\nChannel 0: on the couch.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Thank you.\n\nChannel 1: Alright. Thanks, Donna.\n\nChannel 0: No problem. Have a lovely\n\nChannel 1: Alright.\n\nChannel 0: day. Thank\n\nChannel 1: Thank\n\nChannel 0: you.\n\nChannel 1: you. You too. Bye bye.\n\nChannel 0: See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.52,"sentiment":"neutral","sentiment_score":0.01827894896268845},{"text":"Viv speaking.","start":1.52,"end":2.26,"sentiment":"neutral","sentiment_score":0.03191363252699375}],"sentiment":"neutral","sentiment_score":0.02736873800555865,"channel":1,"num_words":3,"start":1.1999999,"end":2.26},{"sentences":[{"text":"Hi, Yvette.","start":2.6399999,"end":3.28,"sentiment":"neutral","sentiment_score":0.10773728415369987},{"text":"This is Dana from OP Financial.","start":3.28,"end":4.9,"sentiment":"neutral","sentiment_score":0.12360621740420659},{"text":"How are you this morning?","start":4.96,"end":6.1,"sentiment":"neutral","sentiment_score":0.19829972386360167}],"sentiment":"neutral","sentiment_score":0.14989311477312675,"channel":0,"num_words":13,"start":2.6399999,"end":6.1},{"sentences":[{"text":"I'm well.","start":6.24,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.3213055729866028},{"text":"Thank 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leave.","start":11.44,"end":14.434999,"sentiment":"neutral","sentiment_score":-0.0824081086450153}],"sentiment":"neutral","sentiment_score":-0.0824081086450153,"channel":1,"num_words":9,"start":11.44,"end":14.434999},{"sentences":[{"text":"Wow.","start":15.215,"end":15.715,"sentiment":"neutral","sentiment_score":0.02226828970015049},{"text":"We're","start":16.095001,"end":16.255001,"sentiment":"neutral","sentiment_score":0.003857787698507309}],"sentiment":"neutral","sentiment_score":0.0130630386993289,"channel":0,"num_words":2,"start":15.215,"end":16.255001},{"sentences":[{"text":"Yeah.","start":16.175,"end":16.414999,"sentiment":"neutral","sentiment_score":0.04030443727970123}],"sentiment":"neutral","sentiment_score":0.04030443727970123,"channel":1,"num_words":1,"start":16.175,"end":16.414999},{"sentences":[{"text":"back","start":16.255001,"end":16.495,"sentiment":"neutral","sentiment_score":0.04563239216804504}],"sentiment":"neutral","sentiment_score":0.04563239216804504,"channel":0,"num_words":1,"start":16.255001,"end":16.495},{"sentences":[{"text":"I","start":16.414999,"end":16.574999,"sentiment":"neutral","sentiment_score":0.00955011323094368}],"sentiment":"neutral","sentiment_score":0.00955011323094368,"channel":1,"num_words":1,"start":16.414999,"end":16.574999},{"sentences":[{"text":"to","start":16.495,"end":16.655,"sentiment":"neutral","sentiment_score":0.027978718280792236}],"sentiment":"neutral","sentiment_score":0.027978718280792236,"channel":0,"num_words":1,"start":16.495,"end":16.655},{"sentences":[{"text":"get","start":16.574999,"end":16.735,"sentiment":"neutral","sentiment_score":0.02556730806827545}],"sentiment":"neutral","sentiment_score":0.02556730806827545,"channel":1,"num_words":1,"start":16.574999,"end":16.735},{"sentences":[{"text":"work.","start":16.655,"end":17.155,"sentiment":"neutral","sentiment_score":0.032671310007572174}],"sentiment":"neutral","sentiment_score":0.032671310007572174,"channel":0,"num_words":1,"start":16.655,"end":17.155},{"sentences":[{"text":"back to work tomorrow.","start":16.735,"end":17.875,"sentiment":"neutral","sentiment_score":0.04544532857835293},{"text":"So my last ten days has been wonderful, 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good.","start":26.13,"end":26.849998,"sentiment":"neutral","sentiment_score":0.23373469710350037},{"text":"I had you booked in for a bit of a catch up this morning.","start":26.849998,"end":29.17,"sentiment":"neutral","sentiment_score":0.20082739953483855},{"text":"Is now a good time","start":29.17,"end":30.13,"sentiment":"neutral","sentiment_score":0.24478676319122314}],"sentiment":"neutral","sentiment_score":0.20718890648673882,"channel":0,"num_words":22,"start":25.375,"end":30.13},{"sentences":[{"text":"Yes.","start":30.07,"end":30.55,"sentiment":"neutral","sentiment_score":0.1147160306572914}],"sentiment":"neutral","sentiment_score":0.1147160306572914,"channel":1,"num_words":1,"start":30.07,"end":30.55},{"sentences":[{"text":"there 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that?","start":37.649998,"end":39.75,"sentiment":"neutral","sentiment_score":0.20126180681917402}],"sentiment":"neutral","sentiment_score":0.2043255619980671,"channel":0,"num_words":27,"start":33.57,"end":39.75},{"sentences":[{"text":"Of course.","start":39.91,"end":40.635,"sentiment":"neutral","sentiment_score":0.16188152134418488}],"sentiment":"neutral","sentiment_score":0.16188152134418488,"channel":1,"num_words":2,"start":39.91,"end":40.635},{"sentences":[{"text":"Lovely.","start":41.085,"end":41.565,"sentiment":"neutral","sentiment_score":0.32136282324790955},{"text":"And just to do security today with you as well, I am discussing your personal information.","start":41.565,"end":45.085,"sentiment":"neutral","sentiment_score":0.12944804085418582},{"text":"So just to confirm your full name, address, and date of birth I should have on 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too.","start":747.085,"end":747.645,"sentiment":"positive","sentiment_score":0.42490632832050323},{"text":"Bye bye.","start":747.645,"end":748.305,"sentiment":"neutral","sentiment_score":0.26470746099948883}],"sentiment":"positive","sentiment_score":0.3844704985618591,"channel":1,"num_words":5,"start":746.925,"end":748.305},{"sentences":[{"text":"See you later.","start":747.94,"end":748.74,"sentiment":"positive","sentiment_score":0.3648439049720764},{"text":"Bye.","start":748.74,"end":749.24,"sentiment":"neutral","sentiment_score":-0.10910990834236144}],"sentiment":"neutral","sentiment_score":0.24635545164346695,"channel":0,"num_words":4,"start":747.94,"end":749.24}]},"summary":{"result":"success","short":"During a phone call with OP Financial, the representative updates Yvette on their plans to sell the van and keep the bike until they can retire. They also discuss their financial situation, including savings and savings account, and update Yvette on their plans to sell the van and keep the van until they can retire. They mention their progress on rebuilding the bus and plan to sell the bike and keep the van until they can retire. They also discuss the cost of rebuilding a bus line and the sale of bikes and van build. They emphasize the importance of updating their advice structure and scheduling catchups with Yvette. The conversation ends with the agent thanking Yvette for updating them and wishing them a good weekend."},"intents":{"segments":[{"text":"And just to do security today with you as well, I am discussing your personal information. So just to confirm your full name, address, and date of birth I should have on file.","start_word":132,"end_word":164,"intents":[{"intent":"Authenticate identity","confidence_score":0.00053239893}]},{"text":"So we've we've done really, really well in in all Yep. of that, and I I really just wanted to update you on where we were. Yeah.","start_word":667,"end_word":693,"intents":[{"intent":"Update and update","confidence_score":0.04921679}]},{"text":"And then when we speak next time, we've got a bit of an idea of how things have changed and how things have progressed, and we can kind of keep moving along there.","start_word":932,"end_word":964,"intents":[{"intent":"Describe current situation","confidence_score":0.00004968354},{"intent":"Discuss future plans","confidence_score":0.05358085}]},{"text":"And then when we speak next time, we've got a bit of an idea of how things have changed and how things have progressed, and we can kind of keep moving along there. And if it if it changes the advice slightly, that's okay. Advice is meant to be changeable along the way.","start_word":932,"end_word":984,"intents":[{"intent":"Share advice and plans","confidence_score":0.00013118924}]},{"text":"So we can draw more money out if we need to. It just means we take it out over a few different financial years.","start_word":1098,"end_word":1121,"intents":[{"intent":"Explain financial planning","confidence_score":0.011773891},{"intent":"Discuss financial planning","confidence_score":0.017602546}]},{"text":"So because the bus was expected you sort of estimating it to be about 100,000. So the bus cost you a bit less than what the estimated was gonna be. Yeah.","start_word":1257,"end_word":1287,"intents":[{"intent":"Assess bus cost and lifestyle","confidence_score":0.00005500845}]},{"text":"And with the sale of the bikes, how much are you guys trying to sell them?","start_word":1593,"end_word":1608,"intents":[{"intent":"Gather information about selling bikes","confidence_score":0.000093628965}]},{"text":"And with the sale of the bikes, how much are you guys trying to sell them? For what's the total you estimate you should have once the bikes are sold?","start_word":1593,"end_word":1622,"intents":[{"intent":"Provide estimated price for selling bikes","confidence_score":0.00007452092}]},{"text":"We'll roughly do them 15 one to at 20 a time. thousand. Yeah.","start_word":1637,"end_word":1649,"intents":[{"intent":"Offer to do one at a time","confidence_score":0.0002549266}]},{"text":"we told you that he'd spoken to his work about retiring technically next year, Yes. and Yes.","start_word":1727,"end_word":1743,"intents":[{"intent":"Discuss retirement plans","confidence_score":0.27398682},{"intent":"Discuss future plans","confidence_score":0.0007359247}]},{"text":"updating I think the advice. coming in is is probably a better idea. It it sort of syncs in a little bit more for both of us. Yeah.","start_word":2272,"end_word":2299,"intents":[{"intent":"Update outlook","confidence_score":0.0029322389}]}]},"sentiments":{"segments":[{"text":"Hello? Viv speaking. Hi, Yvette. This is Dana from OP Financial. How are you this morning? I'm well.","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.14887458086013794},{"text":"Thank you. That's good.","start_word":18,"end_word":21,"sentiment":"positive","sentiment_score":0.5350306034088135},{"text":"How was your weekend? I've had this is my last day of leave. Wow. We're Yeah. back I to get work. back to work tomorrow. So my last ten days has been wonderful, but Yeah. don't Back ever to reality. wanna go back. Yeah. Right. Right. No. All good. I had you booked in for a bit of a catch up this morning. Is now a good time Yes. there for Yeah. you? Yeah. Absolutely. Yep. Absolutely.","start_word":22,"end_word":98,"sentiment":"neutral","sentiment_score":0.09386253356933594},{"text":"For you Yep. beautiful.","start_word":99,"end_word":102,"sentiment":"positive","sentiment_score":0.4284350574016571},{"text":"And just to do let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Of course. Lovely. And just to do security today with you as well, I am discussing your personal information. So just to confirm your full name, address, and date of birth I should have on file. Yvette Harris, twenty five two Yep. '70. Yep. Just had my birthday. 3 Mackenzie Street, Komara. You did. Happy birthday. Oh, That's no. exciting. Thank you. Did you go out for dinner? Did you do anything fun? So well, this is all about the phone call. Right? So we were Yeah. in we were actually in Broken Hill. So the whole plan of our buying our bus has begun. Oh, wow. And we found one. It Yeah. happened to be in Western Australia. Yes. So we flew over at the February and checked it out and got the mechanics all approval, everything, put down a deposit, and then Yep. flew Yep. back last Saturday, the twenty first, and drove her back across the country. Yeah. Wow. So so that has all started. So the money that I've gotten from mom, we've used that to purchase Okay.","start_word":103,"end_word":310,"sentiment":"neutral","sentiment_score":0.09135450422763824},{"text":"the whole bus and everything, and Perfect. we've gotten like, it's it's just perfect. She's gorgeous. Her name is Priscilla, by the way. I love that. That is so appropriate.","start_word":311,"end_word":340,"sentiment":"positive","sentiment_score":0.5961401502291361},{"text":"I Stop.","start_word":341,"end_word":342,"sentiment":"neutral","sentiment_score":0.31063175201416016},{"text":"love It it. is so nice.","start_word":343,"end_word":348,"sentiment":"positive","sentiment_score":0.6201551556587219},{"text":"Yes. I know. And so the guy that's helping us do the fit out, we've also paid him 50,000 Yep. Yep. to get all the all the, like, all the mechanical stuff. That's everything. Like, Yes. he got us a Yep. massive, massive discount on it. So but Yep. we had to pay it up in full in one go because, otherwise, he couldn't get the discount. And Absolutely. Priscilla is currently at his work where he is Yep. starting, and we'll we'll start the seats pull out and all that sort of stuff in the next few days once we've got energy back. Yep. So that's basically all of mom's money Yep. that we've used for that, which was the plan. Right? Yeah. Yeah. Absolutely. Right. Yeah. Yep. Yeah. Yeah. So we've still got 15,000 in the savings account, which we are just gonna keep growing and growing and growing. And each time we need a little bit for the bus, like, $2 here or whatever, Yep. we'll just, you know, hopefully have that money. Yes. Because With you're still my saving about $200 per week out of your income that was going into those savings accounts, weren't you? Sorry to cut you correct. off. I do Correct. apologize. Yep. But, Yep. fortunately, Phil's been doing quite a lot of overtime. So we last last fortnight, like, we dumped $1,500 into Yep. Yes. it.","start_word":349,"end_word":583,"sentiment":"neutral","sentiment_score":0.09121845662593842},{"text":"Perfect. So that was really good into our savings.","start_word":584,"end_word":592,"sentiment":"positive","sentiment_score":0.6150107979774475},{"text":"And I'm now full time. Yeah. So yeah. So I work now Tuesday to Saturday each week, Yep. which means Yep. my income has increased as well. So we've got that little bit of extra sort of play money that we're, we're trying to put more and more aside. We've pretty much paid off Phil's credit card as Wow. well.","start_word":593,"end_word":652,"sentiment":"neutral","sentiment_score":0.12725121788680557},{"text":"Perfect.","start_word":653,"end_word":653,"sentiment":"positive","sentiment_score":0.6377132534980774},{"text":"I think there's about Yep. $600 left, which is just Yep. nothing. Yeah.","start_word":654,"end_word":666,"sentiment":"neutral","sentiment_score":0.15941935777664185},{"text":"So we've we've done really, really well in in all Yep.","start_word":667,"end_word":677,"sentiment":"positive","sentiment_score":0.4610391259193421},{"text":"of that, and I I really just wanted to update you on where we were. Yeah.","start_word":678,"end_word":693,"sentiment":"neutral","sentiment_score":0.31171470880508423},{"text":"Perfect.","start_word":694,"end_word":694,"sentiment":"positive","sentiment_score":0.4533594250679016},{"text":"We we Perfect. we also, the original plan, I think we were going to sell the van. Yes. But the moment, I think we're going to keep it until we physically retire Okay. at this point Yep. only because we we still wanna do, like, little trips that we won't wanna do in the bus until we can take Yes. longer. Yep. That's fine. So, Yep. you know, we still wanna do the, like, the little weekends away and stuff, which we and go to places, like, down the side of the beach where we're a little bit still incognito. Yep.","start_word":695,"end_word":795,"sentiment":"neutral","sentiment_score":0.09202253818511964},{"text":"Perfect.","start_word":796,"end_word":796,"sentiment":"positive","sentiment_score":0.4732680022716522},{"text":"We will be selling his bikes. We're in the process of trying to get them sorted to sell. Okay. He's not so happy, but I was about to say that was one thing that was put on the back burner, so the bikes are going, he still the van's argues staying. with me, but he knows in the in the long term they do have to go because Yeah. it's just Yep.","start_word":797,"end_word":868,"sentiment":"neutral","sentiment_score":-0.09750264883041382},{"text":"silly.","start_word":869,"end_word":869,"sentiment":"negative","sentiment_score":-0.39081624150276184},{"text":"It's silly. Yeah. So I I think that was everything. I I just I felt like I just needed to tell you and update Yep. you No. That's fantastic. on where we were. Sorry if that's Perfect. just being painful, but No.","start_word":870,"end_word":911,"sentiment":"neutral","sentiment_score":-0.060781799256801605},{"text":"It is absolutely perfect because it I can go back and update all our files in the back end.","start_word":912,"end_word":930,"sentiment":"positive","sentiment_score":0.3972667157649994},{"text":"And then when we speak next time, we've got a bit of an idea of how things have changed and how things have progressed, and we can kind of keep moving along there. And if it if it changes the advice slightly, that's okay. Advice is meant to be changeable along the way.","start_word":931,"end_word":983,"sentiment":"neutral","sentiment_score":0.08995435386896133},{"text":"So you're selling the bikes, you're gonna keep the van for a bit longer, you've picked up hours, and you're saving more money, which is great to kind of offset with the the van build.","start_word":984,"end_word":1018,"sentiment":"positive","sentiment_score":0.369413822889328},{"text":"Yes. But Yes. then because Yes. Phil's also due to be 59 in a couple of weeks' time, Oh, so he's yes. closer to that 60. So we'll keep sort of monitoring things. Yes. If it For gets sure. to For the point sure. where we need to draw a little bit more out of that utilizing that transient time, it's sort of account when he does turn 60, we can always Yep. do it over two financial years. So we can draw more money out if we need to. It just means we take it out over a few different financial years. But we can always work on that. That's not a problem. But, Yep.","start_word":1019,"end_word":1134,"sentiment":"neutral","sentiment_score":0.06804078072309494},{"text":"honestly, I'm so glad you guys found the bus. That's exciting.","start_word":1135,"end_word":1145,"sentiment":"positive","sentiment_score":0.6901316046714783},{"text":"Oh, you've got no idea. And, of course, it was on the other end of the world, wasn't it? It just couldn't Of be course. in Sydney or even the Brisbane. No. But we had just we had four days off. And then Yep. last minute, I just said to her, you know what? I'm so exhausted. Let's just take the whole week. Let's just take Yep. a ten day break. We'll Yep. go and do something. Even even if we're just at home, that's fine. And not five days later, we found Yes. the bus. And That's it was like, incredible. oh, crap. It was meant to be. Wow. So because the bus was expected you sort of estimating it to be about 100,000. So the bus cost you a bit less than what the estimated was gonna be. Yeah. Yeah.","start_word":1146,"end_word":1287,"sentiment":"neutral","sentiment_score":0.03626741663041249},{"text":"And and it's so good.","start_word":1288,"end_word":1292,"sentiment":"positive","sentiment_score":0.5856107473373413},{"text":"It's only ten years old. It's done 350,000. There's nowhere in town.","start_word":1293,"end_word":1304,"sentiment":"neutral","sentiment_score":0.20900017023086548},{"text":"It's honestly and it drove impeccably. Wow. Fantastic. Impeccably.","start_word":1305,"end_word":1313,"sentiment":"positive","sentiment_score":0.48482605814933777},{"text":"Yeah. Yeah. It was a bus company in Bunbury. So, yeah, not even Yep. Perth, two hours south. Wow. So we had to drive there and back that they it was a bus line, and they they were filling up. They were closing down. Yep. He was retired, and he didn't wanna do it anymore. So we got an absolute bargain. Everyone we've spoken to in the bus industry Yeah.","start_word":1314,"end_word":1383,"sentiment":"neutral","sentiment_score":0.00235188496299088},{"text":"has just said that is amazing, and they've had a look over it. And all the guys at Phil's work has had a look at it this morning and over the weekend, and they just said it's absolutely fantastic.","start_word":1384,"end_word":1422,"sentiment":"positive","sentiment_score":0.4872613251209259},{"text":"Oh, wow.","start_word":1423,"end_word":1424,"sentiment":"neutral","sentiment_score":0.3167787194252014},{"text":"That's incredible.","start_word":1425,"end_word":1426,"sentiment":"positive","sentiment_score":0.3986193835735321},{"text":"And it's Yeah. you've paid the $50,000 deposit for having the interior kind of started. What's the Yes. estimated total cost of that? We were roughly estimating about 100,000 for the total interior rebuild. I I think yeah. I think with the cost of things sort of going up and whatever, it may be a little bit more than that, Yep. but not not exorbitant. Like, we wanna stick to our our budget of a 150. Yep. Mhmm. So, you know, if it goes a little bit over, then so be it because what I sort also want to live in something that's gonna be comfortable Yes. for the rest of our life. Yep. Yep. Yeah. So, yeah, I think, Perfect. yeah, I think we we probably major massively push it out to a 120 Okay. if need be. Yeah. I think because I've now got a higher income coming in as well, Yeah. it's just sort of covering it a little bit more.","start_word":1427,"end_word":1590,"sentiment":"neutral","sentiment_score":0.04067309655067397},{"text":"Perfect. Perfect.","start_word":1591,"end_word":1592,"sentiment":"positive","sentiment_score":0.6774152517318726},{"text":"And with the sale of the bikes, how much are you guys trying to sell them? For what's the total you estimate you should have once the bikes are sold? I think that'll be the extra 15 to 20. Okay. Perfect. Yeah. So Yeah. We'll roughly do them 15 one to at 20 a time. thousand. Yeah. Yep. Yeah.","start_word":1593,"end_word":1651,"sentiment":"neutral","sentiment_score":0.1094709038734436},{"text":"Perfect. Well, I hope Phil has a good birthday coming up.","start_word":1652,"end_word":1662,"sentiment":"positive","sentiment_score":0.4871253669261933},{"text":"I'm so sorry for the sale of the bikes, but I'm excited for the overall, the outcome Yeah. at the end of this. Yeah. Well, we'll do one at a time. We'll do one and then put the money Yeah. aside and let him have a his last, like, year or whatever with it. But Yep. yeah. Yeah. Yep.","start_word":1663,"end_word":1721,"sentiment":"neutral","sentiment_score":0.14788566529750824},{"text":"And Oh, we that's beautiful.","start_word":1722,"end_word":1726,"sentiment":"positive","sentiment_score":0.46007898449897766},{"text":"we told you that he'd spoken to his work about retiring technically next year, Yes. and Yes. they were fine with that, They and then were he'll fine. Yeah. come back with it. Yeah. Yeah. Yeah. Yeah. Yep. He was That's totally fine. alright. When we get closer to that, we'll have another conversation kind of outside. If you just wanna make it, we come into the office and do it in the office. That would be perfectly fine. We can Yep. talk about the outcomes and what we're looking at and how it works and update Yep. the advice structure to incorporate that. Yep. Perfect. But, yeah, look, at the end of the day, it's up to you guys how you do it. If you do he decides to fully retire, we take out a bigger lump sum, and then he goes back to work. There's nothing wrong with that in any way, shape, or form. It's just how it's gonna work out best for you guys and and get the money you need to complete that Yeah. goal. To complete So it. Because at the moment, yep. we've only got another twelve month lease in this house. Okay. So we're hoping that because we'll we've been here for so long, they might just give us an extra six months. You know? Because Yeah. we can't access the majority of the money until he turns Yeah. 60, we can only give little dribbles here and there. Yeah. You know, we're hoping that when he gets that money, we can get it finished. Yep. We'll Yep. know what needs to be done, and it can be done sooner and then have that last six months just Yep. to Yep. cull everything. Oh, shit. Perfect. Yep. Perfect. Yep. No. That'll That'll be be fun.","start_word":1727,"end_word":2029,"sentiment":"neutral","sentiment_score":0.07320467470576464},{"text":"fantastic.","start_word":2030,"end_word":2030,"sentiment":"positive","sentiment_score":0.5678751468658447},{"text":"The Yeah.","start_word":2031,"end_word":2032,"sentiment":"neutral","sentiment_score":0.31840258836746216},{"text":"world's biggest garage sale will be happening. Absolutely.","start_word":2033,"end_word":2040,"sentiment":"positive","sentiment_score":0.3814969658851623},{"text":"I'm just gonna leave everything in the house and say whatever you want, just go for Yep. Oh, no. That is I'm so excited it.","start_word":2041,"end_word":2065,"sentiment":"neutral","sentiment_score":0.20760709047317505},{"text":"for you. It's fantastic. This dream is coming to fruition slowly but It surely, is.","start_word":2066,"end_word":2080,"sentiment":"positive","sentiment_score":0.44853222370147705},{"text":"and it's Yeah.","start_word":2081,"end_word":2083,"sentiment":"neutral","sentiment_score":0.30973100662231445},{"text":"the outcome is gonna be amazing at the end of it.","start_word":2084,"end_word":2094,"sentiment":"positive","sentiment_score":0.5586823225021362},{"text":"So It will yeah. be.","start_word":2095,"end_word":2099,"sentiment":"neutral","sentiment_score":0.31838154792785645},{"text":"It will be exciting.","start_word":2100,"end_word":2103,"sentiment":"positive","sentiment_score":0.48560166358947754},{"text":"Yeah. Yes. Yeah. For sure.","start_word":2104,"end_word":2108,"sentiment":"neutral","sentiment_score":0.20290282368659973},{"text":"Beautiful.","start_word":2109,"end_word":2109,"sentiment":"positive","sentiment_score":0.498030424118042},{"text":"Yeah.","start_word":2110,"end_word":2110,"sentiment":"neutral","sentiment_score":0.2616359293460846},{"text":"Oh, I'm so glad that thank you so much for updating me.","start_word":2111,"end_word":2122,"sentiment":"positive","sentiment_score":0.4380258023738861},{"text":"I know you guys are due to have your annual review in about August, but if you wanna do a bit of a catch up around the end of financial year, we can also do that as well. You let me know kind of how you wanna move forward and when you want catch ups and things like Yeah. that. Cool. Alright. But Yeah. That that would be yeah.","start_word":2123,"end_word":2191,"sentiment":"neutral","sentiment_score":0.1625276803970337},{"text":"great.","start_word":2192,"end_word":2192,"sentiment":"positive","sentiment_score":0.3947106897830963},{"text":"Yeah. But, otherwise, I do do a full annual review in August, and we can make it. You just can come in on a day if you want. We can do it over the phone. It's not a problem. But if you want to come into the office, we can always sit down, mull over everything together, and just kinda go through a big double under review, look at where things are up to, and look at maybe Yeah. updating I think the advice. coming in is is probably a better idea. It it sort of syncs in a little bit more for both of us. Yeah. Absolutely. Yeah. You can sort of see everything there right in front of you, ask more questions if you need to, get a Yeah. bit more Correct. time, more personal, so not a problem Yeah. at Yep. all. Yep. Yep.","start_word":2193,"end_word":2339,"sentiment":"neutral","sentiment_score":0.11087739923778846},{"text":"Love Cool. that. Cool. Fantastic.","start_word":2340,"end_word":2344,"sentiment":"positive","sentiment_score":0.6034669876098633},{"text":"Alright. Yeah. So All yeah. good. Sorry. I Yeah. I just wanted No. to have this phone call because I feel like I was I just needed Yeah. to let you know everything that Absolutely. was going on. Absolutely. Please don't ever feel like you're taking up my time or anything. I'm here for you. I work for you guys, so you are welcome to call me anytime you need. Jordan knows Weird. she can Oh, put you wonderful. in her calendar whenever it suits you guys, so it's not Oh, a that's problem so at awesome. all. Thank you Yeah. so much. That's okay. Is there anything else you needed or any other questions or anything either of you wanted me to follow-up at the moment? Or No. I don't think so. I think No. everything is sort of going according to plan It's working it's working it's well it's working at well.","start_word":2345,"end_word":2498,"sentiment":"neutral","sentiment_score":0.06236744672060013},{"text":"It's all everything's going nicely.","start_word":2499,"end_word":2503,"sentiment":"positive","sentiment_score":0.3519708216190338},{"text":"I've been the having a look at everything every a couple of weeks to see where it's all moment. tracking, and so far, everything's going nicely. So yeah.","start_word":2504,"end_word":2531,"sentiment":"neutral","sentiment_score":0.1477212756872177},{"text":"Oh, awesome. Awesome. Perfect. Alright. Thanks so much for your time, Donna. I appreciate Oh, it. not a problem at all, but I hope you have a wonderful last day off.","start_word":2532,"end_word":2562,"sentiment":"positive","sentiment_score":0.4431578814983368},{"text":"Oh, And yes. yeah. I'm just gonna Look. chill.","start_word":2563,"end_word":2571,"sentiment":"neutral","sentiment_score":0.09589482595523198},{"text":"Sounds nice. It's a wet weather out there, so it's a good bed today.","start_word":2572,"end_word":2585,"sentiment":"positive","sentiment_score":0.5790216326713562},{"text":"Just Yeah. chill Absolutely.","start_word":2586,"end_word":2589,"sentiment":"neutral","sentiment_score":0.209900826215744},{"text":"on the couch.","start_word":2590,"end_word":2592,"sentiment":"positive","sentiment_score":0.3767335116863251},{"text":"Yep. Yep.","start_word":2593,"end_word":2594,"sentiment":"neutral","sentiment_score":0.17230936884880066},{"text":"Thank you. Alright. Thanks, Donna. No problem. Have a lovely Alright. day. Thank Thank you. you. You too.","start_word":2595,"end_word":2612,"sentiment":"positive","sentiment_score":0.5905998945236206},{"text":"Bye bye.","start_word":2613,"end_word":2614,"sentiment":"neutral","sentiment_score":0.2729824185371399},{"text":"See you later.","start_word":2615,"end_word":2617,"sentiment":"positive","sentiment_score":0.36539560556411743},{"text":"Bye.","start_word":2618,"end_word":2618,"sentiment":"neutral","sentiment_score":0.1773790568113327}],"average":{"sentiment":"neutral","sentiment_score":0.1374568969532492}}}}