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I mean, it's been a bit on and off. Not gonna lie. They had a bit of road closures with some flash flooding, but that's always the way with the Gold Coast when it sprinkles. I think so. Like, I think in particular, the last four years, I've noticed a lot of issues on the Gold Coast when it gets to storm season. Just road closures all the time. No. Give it another forty years. How's everything been going on your end? Yeah. Yeah. Oh, do do do do do. Let me check a couple of things. Because the thing is when it comes to the old Centrelink checks, they they look back three years for gifting. You can't gift it. Okay? That's the painful part. No. They they look back for gifting. I think three years, I think it is. There is I'll just quickly double check it for you, but I think the super is not deemed until '67. So that's one way to do it. Hang on. They want nearly half of it. In terms of what, like, back paying benefits or yeah. Which is a bit strange. Have they sent you a letter by any chance? No. Okay. Oh, I'm assuming he hasn't put anything in writing to you that we can have a look at together. Yeah. That'd be good. Just give me a bit of bit of meat to sink my teeth into. Have you got any of our usual email addresses from previous emails? Yeah. Sorry, mate. Kathy. Kathy. Kathy. Do you have a no. That one might c h four. Are you alright? I think I don't remember a Kathy Beattie. That's alright. No. That's okay. Yeah. That'd be cool. Which which email address have you got? Because we've got some that we can all access, which are easier, not the individual people in case someone's sick. Like an info or a support or something like that. And, Tim, while you're going through that, mate, do you mind if I ask they just with the work cover claim, is it just a lump sum coming out? Do you know how much the 120,000. Yeah. Okay. That's a bit tough. The old the gift thing I was talking about is 10,000 in a financial year. So that doesn't get you that far. Super can do a little bit. Nonconcessional contributions is $1.20, and concessional, which is like tax deductible, that's up to 30, including anything that any employers would have put in. So there's a bit of wiggle room there, and I know it's not counted before the age pension age unless you're getting an income stream out of it. But I'll be really interested to know what they're trying to call back. That's all. Yeah. But age pension age isn't till 67. So, like, it's a it's a decent amount of time for it not to be counted. No. You're right. Even if you are you able to search Oakview and just see what email addresses pop up for that? That's okay, mate. No rush at all. And just while you're finding I don't mean to interrupt you a couple of times. I do apologize. But in terms of benefits, do you know when you would have started any benefits with Fendly? Yeah. Because if they want 60, that's quite a bit. That's why I'm just curious if I can read whatever's been sent to you in writing. Yeah. Okay. Well, just be careful because we've got your your yeah. We can help you with it. I just want to be careful with risk levels because we've got, like, we've got your super in a pretty growth heavy portfolio, and you've got almost a $140 in there. And it can get some pretty pretty crazy returns in in a year or two where they go up, you know, 15% kind of thing, which is pretty good compared to the bank. Yeah. But because we've got you in, like, a growth portfolio, that's a four out of five on the risk scale, 80% shares and property. So it's one of those things where I don't want you to put a 120 in for argument's sake, and then you've got two sixty, and then all of a sudden the stock market crashes and you've got one seventy. So the COVID one or the GFC? So there's yeah. There's flex like, you can we can change it, make it a little bit little bit less risky. But even, like, the savings rates are pretty good in the banks these days. I I know it's a pain when it comes to Social Security. Yeah. What are they paying now? Like, 6%? Let me have a quick look. There's a couple out there. I'm just gonna bring up my old cheat sheet here. No. No. Like, between you know, you've got the the major banks. Right? I know, like, credit unions tend to have slightly higher rates than the banks. I know ING sitting at about 5.85%. You've got credit funds, which is similar to a term deposit. What do they pay at the moment? Six point five. Oh, yeah. No. I'd steer away from those. Like a peer to peer lending thing. Yeah. So the the one that's higher than a bank that I normally look at, there's this Latrobe Credit Fund, and they pay 6.5% instead of 5.85. But it's not insured by the government, and the government ensures a term deposit up to $200. Yeah. For the extra 0.65%, having it insured by the government up to $200 is a bit better. Yeah. If it was a full percent extra, maybe, but an extra half a percent for it not to be insured is kind of not really worth it. Exactly right. Like, if that company goes belly up and then you don't get the money back. So I reckon it'd be between ING and. You'd be better off going direct with them. It'll be much easier to go direct with them because as long as you can give them all your ID, these online applications are pretty quick these days. And if I try and find some forms and post them out, it'll take twice as long. So, yeah, I reckon it'll be a bit of a toss-up between, like, an ING or a bit in the super as well. But I'll have to look at just reducing the risk level down a little bit. But the thing is I don't wanna I don't want you to take on a lot of risk where you could lose, like, a third of it, right, to get an extra one or 2% return. Well, that's what I'm sort of thinking is, like, you you could put a bid in. And if you want us to adjust the risk level, we can. But if you want to keep a smaller amount in the growth stuff And then the rest of it in term deposit or something might be a good idea. And then the only other thing I wanna look at is, yeah, if you can get me that info from the solicitor about the Social Security. Yeah. Do you have all of the details? Yeah. It's there's got to be some sort of rhyme or reason behind it because unless it's one of those things where they're like, oh, you've been on benefits for twelve months, and now you've gotten this income back pay, so everything you've received for twelve months. But that wouldn't be 60,000. Hopefully, a lot less than that. Yeah. Yep. Yeah. And what what benefits did you not going on? Was it disability or job seeker? Long wait times for that, I'm assuming. I'm assuming there's some long wait times for those to try and get on to that. You'd be building your own log cabin with the amount of paper you've had to go through, mate. Oh, jeez. Yeah. K. Yeah. That'd be a good first step just so we can just keep an eye on it before we do anything. And are you okay for for you to just sort of email you back with a bit of info? We'll obviously try and call you, but if that works. Yeah. I've got the thing where every time it calls, it doesn't ring through, and then it says voice message full. Can't leave a voice mail, so I just text you straight afterwards. But I'd I'd love to be able to kind of reach you rather than getting you to call back in every time. Yeah. No. That's cool. Look. Happy to do so. But and did you manage to find that email from the solicitor by any chance? Cool. What I might do just in case is I will text you through our best email. And then if you can just email it to that, I can have a look at it with Larissa and and see if we can spot anything. Look. A lot of the times, there's not much can be done. But if we spot anything, we'll definitely give you some info if we have any. Okay. You're most welcome, sir. Anytime at all. Alrighty. Mate, I'll keep an eye out for the email. I will be off in a in a little bit to go grab the kids, but I'll probably have a little look see at it probably tomorrow or Wednesday at the latest. Yeah. Okay. That works out pretty good then. It's a bit of a runaround, it sounds like. Alright. So, yeah, well, between the insurance and the super and the solicitors and the work covers, there are quite a few things I have to try and go through. Can I ask you as well just as a bit of a final question there? With the work cover, do you need to access any of the 120,000 for living expenses or you okay cash flow wise? I just mean any of the funds that you're about to get or just got from work cover. Do you need any of that set aside that's not locked away? Yeah. So somewhere between 10 and 25,000 to stay as, like, liquid cash. And you're thinking maybe 20 into the super, and then anything outside of that, lock it away for a term deposit. Balance side of Social Security. Just making a couple of notes on the account there. Cool. Alright. Well, I'll keep an eye out for that email over the next couple of days. I've just noted this down so we've got a bit of an idea of what the plan looks like, And then I'll see if I can give you any info from there. If there's nothing else to be done, we'll just let you kind of do the transactions. And if you need any help with, you know, payment details or anything like that, we can help you there as well. Cool, mate. Any questions for me before I let you go? Okay. Yep. No worries. Yeah. Look. Just, again, talk to whoever can help at the time. If someone's unavailable, we'll we'll just get it booked in, or we'll call you back when we've got a spare spare time slot. Alrighty, Tim. You're most welcome, mate. I will talk to you later in the week. Actually, none of the cloud has come back. The cloud has come back already. Yeah. Right. We're we're just about to hit winter, aren't we? Good fun. I'll I'll enjoy the last couple days of sun. Yeah. Happens every year. That's pretty good for I mean, the thing with Victoria is it tends to you can chop and change on a dime, can't it? Oh, yeah? Bit more consistent there or a bit more chopping? Yeah. Cool. That means you got a good price. Well, are you still in was it Strathminton? Or was it Strathminton or is it Namerica? Strathmerton. Sorry. Strathminton. Yeah. Yep. Yeah. It looks a bit little bit chillier there. At least it's not that far. That's handy. Alright, mate. Well, if there's anything you need, again, yeah, just call, text, email, and thank you for your time today. No worries at all. Always try, mate. Alright, Tim. I'll talk to you later in the week, mate. Gotcha. 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afternoon, Tim. It's Tommy here, mate. How you been? I'm living the dream. It's a beautiful week so far.\n\nI'm sorry I missed you a bit earlier. Yeah. Sunny, old Queensland. I mean, it's been a bit on and off. Not gonna lie.\n\nThey had a bit of road closures with some flash flooding, but that's always the way with the Gold Coast when it sprinkles. I think so. Like, I think in particular, the last four years, I've noticed a lot of issues on the Gold Coast when it gets to storm season. Just road closures all the time. No.\n\nGive it another forty years. How's everything been going on your end? Yeah. Yeah. Oh, do do do do do.\n\nLet me check a couple of things. Because the thing is when it comes to the old Centrelink checks, they they look back three years for gifting. You can't gift it. Okay? That's the painful part.\n\nNo. They they look back for gifting. I think three years, I think it is. There is I'll just quickly double check it for you, but I think the super is not deemed until '67. So that's one way to do it.\n\nHang on. They want nearly half of it. In terms of what, like, back paying benefits or yeah. Which is a bit strange. Have they sent you a letter by any chance?\n\nNo. Okay. Oh, I'm assuming he hasn't put anything in writing to you that we can have a look at together. Yeah. That'd be good.\n\nJust give me a bit of bit of meat to sink my teeth into. Have you got any of our usual email addresses from previous emails? Yeah. Sorry, mate. Kathy.\n\nKathy. Kathy. Do you have a no. That one might c h four. Are you alright?\n\nI think I don't remember a Kathy Beattie. That's alright. No. That's okay. Yeah.\n\nThat'd be cool. Which which email address have you got? Because we've got some that we can all access, which are easier, not the individual people in case someone's sick. Like an info or a support or something like that. And, Tim, while you're going through that, mate, do you mind if I ask they just with the work cover claim, is it just a lump sum coming out?\n\nDo you know how much the 120,000. Yeah. Okay. That's a bit tough. The old the gift thing I was talking about is 10,000 in a financial year.\n\nSo that doesn't get you that far. Super can do a little bit. Nonconcessional contributions is $1.20, and concessional, which is like tax deductible, that's up to 30, including anything that any employers would have put in. So there's a bit of wiggle room there, and I know it's not counted before the age pension age unless you're getting an income stream out of it. But I'll be really interested to know what they're trying to call back.\n\nThat's all. Yeah. But age pension age isn't till 67. So, like, it's a it's a decent amount of time for it not to be counted. No.\n\nYou're right. Even if you are you able to search Oakview and just see what email addresses pop up for that? That's okay, mate. No rush at all. And just while you're finding I don't mean to interrupt you a couple of times.\n\nI do apologize. But in terms of benefits, do you know when you would have started any benefits with Fendly? Yeah. Because if they want 60, that's quite a bit. That's why I'm just curious if I can read whatever's been sent to you in writing.\n\nYeah. Okay. Well, just be careful because we've got your your yeah. We can help you with it. I just want to be careful with risk levels because we've got, like, we've got your super in a pretty growth heavy portfolio, and you've got almost a $140 in there.\n\nAnd it can get some pretty pretty crazy returns in in a year or two where they go up, you know, 15% kind of thing, which is pretty good compared to the bank. Yeah. But because we've got you in, like, a growth portfolio, that's a four out of five on the risk scale, 80% shares and property. So it's one of those things where I don't want you to put a 120 in for argument's sake, and then you've got two sixty, and then all of a sudden the stock market crashes and you've got one seventy. So the COVID one or the GFC?\n\nSo there's yeah. There's flex like, you can we can change it, make it a little bit little bit less risky. But even, like, the savings rates are pretty good in the banks these days. I I know it's a pain when it comes to Social Security. Yeah.\n\nWhat are they paying now? Like, 6%? Let me have a quick look. There's a couple out there. I'm just gonna bring up my old cheat sheet here.\n\nNo. No. Like, between you know, you've got the the major banks. Right? I know, like, credit unions tend to have slightly higher rates than the banks.\n\nI know ING sitting at about 5.85%. You've got credit funds, which is similar to a term deposit. What do they pay at the moment? Six point five. Oh, yeah.\n\nNo. I'd steer away from those. Like a peer to peer lending thing. Yeah. So the the one that's higher than a bank that I normally look at, there's this Latrobe Credit Fund, and they pay 6.5% instead of 5.85.\n\nBut it's not insured by the government, and the government ensures a term deposit up to $200. Yeah. For the extra 0.65%, having it insured by the government up to $200 is a bit better. Yeah. If it was a full percent extra, maybe, but an extra half a percent for it not to be insured is kind of not really worth it.\n\nExactly right. Like, if that company goes belly up and then you don't get the money back. So I reckon it'd be between ING and. You'd be better off going direct with them. It'll be much easier to go direct with them because as long as you can give them all your ID, these online applications are pretty quick these days.\n\nAnd if I try and find some forms and post them out, it'll take twice as long. So, yeah, I reckon it'll be a bit of a toss-up between, like, an ING or a bit in the super as well. But I'll have to look at just reducing the risk level down a little bit. But the thing is I don't wanna I don't want you to take on a lot of risk where you could lose, like, a third of it, right, to get an extra one or 2% return. Well, that's what I'm sort of thinking is, like, you you could put a bid in.\n\nAnd if you want us to adjust the risk level, we can. But if you want to keep a smaller amount in the growth stuff And then the rest of it in term deposit or something might be a good idea. And then the only other thing I wanna look at is, yeah, if you can get me that info from the solicitor about the Social Security. Yeah. Do you have all of the details?\n\nYeah. It's there's got to be some sort of rhyme or reason behind it because unless it's one of those things where they're like, oh, you've been on benefits for twelve months, and now you've gotten this income back pay, so everything you've received for twelve months. But that wouldn't be 60,000. Hopefully, a lot less than that. Yeah.\n\nYep. Yeah. And what what benefits did you not going on? Was it disability or job seeker? Long wait times for that, I'm assuming.\n\nI'm assuming there's some long wait times for those to try and get on to that. You'd be building your own log cabin with the amount of paper you've had to go through, mate. Oh, jeez. Yeah. K.\n\nYeah. That'd be a good first step just so we can just keep an eye on it before we do anything. And are you okay for for you to just sort of email you back with a bit of info? We'll obviously try and call you, but if that works. Yeah.\n\nI've got the thing where every time it calls, it doesn't ring through, and then it says voice message full. Can't leave a voice mail, so I just text you straight afterwards. But I'd I'd love to be able to kind of reach you rather than getting you to call back in every time. Yeah. No.\n\nThat's cool. Look. Happy to do so. But and did you manage to find that email from the solicitor by any chance? Cool.\n\nWhat I might do just in case is I will text you through our best email. And then if you can just email it to that, I can have a look at it with Larissa and and see if we can spot anything. Look. A lot of the times, there's not much can be done. But if we spot anything, we'll definitely give you some info if we have any.\n\nOkay. You're most welcome, sir. Anytime at all. Alrighty. Mate, I'll keep an eye out for the email.\n\nI will be off in a in a little bit to go grab the kids, but I'll probably have a little look see at it probably tomorrow or Wednesday at the latest. Yeah. Okay. That works out pretty good then. It's a bit of a runaround, it sounds like.\n\nAlright. So, yeah, well, between the insurance and the super and the solicitors and the work covers, there are quite a few things I have to try and go through. Can I ask you as well just as a bit of a final question there? With the work cover, do you need to access any of the 120,000 for living expenses or you okay cash flow wise? I just mean any of the funds that you're about to get or just got from work cover.\n\nDo you need any of that set aside that's not locked away? Yeah. So somewhere between 10 and 25,000 to stay as, like, liquid cash. And you're thinking maybe 20 into the super, and then anything outside of that, lock it away for a term deposit. Balance side of Social Security.\n\nJust making a couple of notes on the account there. Cool. Alright. Well, I'll keep an eye out for that email over the next couple of days. I've just noted this down so we've got a bit of an idea of what the plan looks like, And then I'll see if I can give you any info from there.\n\nIf there's nothing else to be done, we'll just let you kind of do the transactions. And if you need any help with, you know, payment details or anything like that, we can help you there as well. Cool, mate. Any questions for me before I let you go? Okay.\n\nYep. No worries. Yeah. Look. Just, again, talk to whoever can help at the time.\n\nIf someone's unavailable, we'll we'll just get it booked in, or we'll call you back when we've got a spare spare time slot. Alrighty, Tim. You're most welcome, mate. I will talk to you later in the week. Actually, none of the cloud has come back.\n\nThe cloud has come back already. Yeah. Right. We're we're just about to hit winter, aren't we? Good fun.\n\nI'll I'll enjoy the last couple days of sun. Yeah. Happens every year. That's pretty good for I mean, the thing with Victoria is it tends to you can chop and change on a dime, can't it? Oh, yeah?\n\nBit more consistent there or a bit more chopping? Yeah. Cool. That means you got a good price. Well, are you still in was it Strathminton?\n\nOr was it Strathminton or is it Namerica? Strathmerton. Sorry. Strathminton. Yeah.\n\nYep. Yeah. It looks a bit little bit chillier there. At least it's not that far. That's handy.\n\nAlright, mate. Well, if there's anything you need, again, yeah, just call, text, email, and thank you for your time today. No worries at all. Always try, mate. Alright, Tim.\n\nI'll talk to you later in the week, mate. Gotcha. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Tim.","start":1.1999999,"end":2.24,"sentiment":"neutral","sentiment_score":0.2719198763370514},{"text":"It's Tommy here, mate.","start":2.24,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.2003045789897442},{"text":"How you been?","start":3.1999998,"end":4.02,"sentiment":"neutral","sentiment_score":0.14912871023019156},{"text":"I'm living the dream.","start":6.24,"end":7.2,"sentiment":"positive","sentiment_score":0.6816432625055313},{"text":"It's a beautiful week so far.","start":7.2,"end":8.88,"sentiment":"positive","sentiment_score":0.7506375710169474}],"sentiment":"positive","sentiment_score":0.4647381275892258,"num_words":20,"start":1.1999999,"end":8.88},{"sentences":[{"text":"I'm sorry I missed you a bit earlier.","start":8.88,"end":10.42,"sentiment":"neutral","sentiment_score":-0.09123262204229832},{"text":"Yeah.","start":13.8550005,"end":14.095,"sentiment":"neutral","sentiment_score":0.008128545247018337},{"text":"Sunny, old Queensland.","start":14.095,"end":14.975,"sentiment":"neutral","sentiment_score":-0.013023748062551022},{"text":"I mean, it's been a bit on and off.","start":14.975,"end":16.655,"sentiment":"neutral","sentiment_score":-0.05251085592640771},{"text":"Not gonna lie.","start":16.655,"end":17.295,"sentiment":"neutral","sentiment_score":-0.08957705398400624}],"sentiment":"neutral","sentiment_score":-0.06258885585702956,"num_words":24,"start":8.88,"end":17.295},{"sentences":[{"text":"They had a bit of road closures with some flash flooding, but that's always the way with the Gold Coast when it sprinkles.","start":17.295,"end":22.115,"sentiment":"neutral","sentiment_score":-0.16568974146376486},{"text":"I think so.","start":29.87,"end":30.67,"sentiment":"neutral","sentiment_score":-0.2390970140695572},{"text":"Like, I think in particular, the last four years, I've noticed a lot of issues on the Gold Coast when it gets to storm season.","start":30.67,"end":37.89,"sentiment":"neutral","sentiment_score":-0.21857305228710175},{"text":"Just road closures all the time.","start":38.135002,"end":40.395,"sentiment":"neutral","sentiment_score":-0.18745470171173415},{"text":"No.","start":42.695,"end":42.935,"sentiment":"negative","sentiment_score":-0.410764753818512}],"sentiment":"neutral","sentiment_score":-0.19875817874382282,"num_words":58,"start":17.295,"end":42.935},{"sentences":[{"text":"Give it another forty years.","start":42.935,"end":44.395,"sentiment":"negative","sentiment_score":-0.38782995343208315},{"text":"How's everything been going on your end?","start":48.215,"end":49.995,"sentiment":"neutral","sentiment_score":-0.05485823803714344},{"text":"Yeah.","start":60.87,"end":61.11,"sentiment":"neutral","sentiment_score":0.006828553043305874},{"text":"Yeah.","start":61.11,"end":61.61,"sentiment":"neutral","sentiment_score":-0.0011565517634153366},{"text":"Oh, do do do do do.","start":73.525,"end":77.13,"sentiment":"neutral","sentiment_score":-0.03323663926372925}],"sentiment":"neutral","sentiment_score":-0.12584526338614524,"num_words":20,"start":42.935,"end":77.13},{"sentences":[{"text":"Let me check a couple of things.","start":77.13,"end":80.17,"sentiment":"neutral","sentiment_score":-0.0230504966207913},{"text":"Because the thing is when it comes to the old Centrelink checks, they they look back three years for gifting.","start":80.17,"end":87.63,"sentiment":"neutral","sentiment_score":-0.09642197452485561},{"text":"You can't gift it.","start":87.895004,"end":90.215004,"sentiment":"neutral","sentiment_score":-0.17835576087236404},{"text":"Okay?","start":90.215004,"end":90.715004,"sentiment":"neutral","sentiment_score":-0.14265447854995728},{"text":"That's the painful part.","start":91.815,"end":93.755,"sentiment":"neutral","sentiment_score":-0.30114607512950897}],"sentiment":"neutral","sentiment_score":-0.11529041081666946,"num_words":36,"start":77.13,"end":93.755},{"sentences":[{"text":"No.","start":97.815,"end":98.055,"sentiment":"neutral","sentiment_score":-0.13065776228904724},{"text":"They they look back for gifting.","start":98.055,"end":100.375,"sentiment":"neutral","sentiment_score":-0.11709674323598544},{"text":"I think three years, I think it is.","start":100.375,"end":102.155,"sentiment":"neutral","sentiment_score":-0.08148120809346437},{"text":"There is I'll just quickly double check it for you, but I think the super is not deemed until '67.","start":104.42,"end":111.159996,"sentiment":"neutral","sentiment_score":-0.05545865651220083},{"text":"So that's one way to do it.","start":113.22,"end":115.479996,"sentiment":"neutral","sentiment_score":-0.036324646323919296}],"sentiment":"neutral","sentiment_score":-0.06782222716581254,"num_words":42,"start":97.815,"end":115.479996},{"sentences":[{"text":"Hang on.","start":119.244995,"end":119.905,"sentiment":"neutral","sentiment_score":-0.12154587730765343},{"text":"They want nearly half of it.","start":127.325,"end":129.105,"sentiment":"neutral","sentiment_score":-0.19534583141406378},{"text":"In terms of what, like, back paying benefits or yeah.","start":132.08,"end":141.54,"sentiment":"neutral","sentiment_score":-0.03763010408729315},{"text":"Which is a bit strange.","start":142.585,"end":143.725,"sentiment":"neutral","sentiment_score":-0.2759119212627411},{"text":"Have they sent you a letter by any chance?","start":148.585,"end":151.005,"sentiment":"neutral","sentiment_score":-0.1528559641705619}],"sentiment":"neutral","sentiment_score":-0.14208534586941823,"num_words":32,"start":119.244995,"end":151.005},{"sentences":[{"text":"No.","start":153.30501,"end":153.705,"sentiment":"neutral","sentiment_score":-0.2486281245946884},{"text":"Okay.","start":153.705,"end":154.205,"sentiment":"neutral","sentiment_score":-0.152529776096344},{"text":"Oh, I'm assuming he hasn't put anything in writing to you that we can have a look at together.","start":161.28,"end":170.66,"sentiment":"neutral","sentiment_score":-0.1291806137091235},{"text":"Yeah.","start":186.01,"end":186.33,"sentiment":"neutral","sentiment_score":0.22889287769794464},{"text":"That'd be good.","start":186.33,"end":187.23,"sentiment":"positive","sentiment_score":0.3565789461135864}],"sentiment":"neutral","sentiment_score":-0.062278393805027005,"num_words":25,"start":153.30501,"end":187.23},{"sentences":[{"text":"Just give me a bit of bit of meat to sink my teeth into.","start":188.81,"end":191.63,"sentiment":"neutral","sentiment_score":0.04268735274672508},{"text":"Have you got any of our usual email addresses from previous emails?","start":192.17,"end":196.97,"sentiment":"neutral","sentiment_score":0.004586635855957866},{"text":"Yeah.","start":196.97,"end":197.355,"sentiment":"neutral","sentiment_score":0.011403849348425863},{"text":"Sorry, mate.","start":214.01,"end":214.75,"sentiment":"neutral","sentiment_score":-0.038561759516596794},{"text":"Kathy.","start":218.09,"end":218.59,"sentiment":"neutral","sentiment_score":-0.0033958321437239647}],"sentiment":"neutral","sentiment_score":0.019451568896571795,"num_words":30,"start":188.81,"end":218.59},{"sentences":[{"text":"Kathy.","start":218.65,"end":219.04999,"sentiment":"neutral","sentiment_score":-0.0002983119338750839},{"text":"Kathy.","start":219.04999,"end":219.53,"sentiment":"neutral","sentiment_score":-0.004067809320986271},{"text":"Do you have a no.","start":219.53,"end":224.665,"sentiment":"neutral","sentiment_score":-0.019111103564500808},{"text":"That one might c h four.","start":224.665,"end":237.72,"sentiment":"neutral","sentiment_score":-0.03801516008873781},{"text":"Are you alright?","start":237.72,"end":238.51999,"sentiment":"neutral","sentiment_score":-0.032252865533034004}],"sentiment":"neutral","sentiment_score":-0.02654819976305589,"num_words":16,"start":218.65,"end":238.51999},{"sentences":[{"text":"I think I don't remember a Kathy Beattie.","start":238.51999,"end":240.29999,"sentiment":"neutral","sentiment_score":-0.07740214094519615},{"text":"That's alright.","start":244.51999,"end":245.34,"sentiment":"neutral","sentiment_score":-0.031645018607378006},{"text":"No.","start":250.775,"end":251.015,"sentiment":"neutral","sentiment_score":-0.19950002431869507},{"text":"That's okay.","start":251.015,"end":251.75499,"sentiment":"neutral","sentiment_score":-0.09894561022520064},{"text":"Yeah.","start":264.55,"end":264.71,"sentiment":"neutral","sentiment_score":0.17579390108585358}],"sentiment":"neutral","sentiment_score":-0.06457889346139771,"num_words":14,"start":238.51999,"end":264.71},{"sentences":[{"text":"That'd be cool.","start":264.71,"end":265.43,"sentiment":"neutral","sentiment_score":0.25546398262182873},{"text":"Which which email address have you got?","start":265.43,"end":266.94998,"sentiment":"neutral","sentiment_score":0.08696246892213821},{"text":"Because we've got some that we can all access, which are easier, not the individual people in case someone's sick.","start":266.94998,"end":273.77502,"sentiment":"neutral","sentiment_score":0.11096791252493858},{"text":"Like an info or a support or something like that.","start":276.475,"end":279.375,"sentiment":"neutral","sentiment_score":-0.007975171133875848},{"text":"And, Tim, while you're going through that, mate, do you mind if I ask they just with the work cover claim, is it just a lump sum coming out?","start":309.56,"end":317.63998,"sentiment":"neutral","sentiment_score":-0.0037218700323639244}],"sentiment":"neutral","sentiment_score":0.04937393534118715,"num_words":69,"start":264.71,"end":317.63998},{"sentences":[{"text":"Do you know how much the 120,000.","start":317.63998,"end":330.135,"sentiment":"neutral","sentiment_score":0.001286052300461701},{"text":"Yeah.","start":330.195,"end":330.515,"sentiment":"neutral","sentiment_score":0.001513361930847168},{"text":"Okay.","start":330.515,"end":331.015,"sentiment":"neutral","sentiment_score":-0.023208586499094963},{"text":"That's a bit tough.","start":331.65002,"end":332.63,"sentiment":"negative","sentiment_score":-0.37951964884996414},{"text":"The old the gift thing I was talking about is 10,000 in a financial year.","start":332.85,"end":338.87003,"sentiment":"neutral","sentiment_score":-0.21708412369092306}],"sentiment":"neutral","sentiment_score":-0.17096547532959708,"num_words":28,"start":317.63998,"end":338.87003},{"sentences":[{"text":"So that doesn't get you that far.","start":341.09003,"end":342.63,"sentiment":"neutral","sentiment_score":-0.15515922222818648},{"text":"Super can do a little bit.","start":343.09003,"end":345.11002,"sentiment":"neutral","sentiment_score":0.32627816994984943},{"text":"Nonconcessional contributions is $1.20, and concessional, which is like tax deductible, that's up to 30, including anything that any employers would have put in.","start":347.845,"end":360.0,"sentiment":"neutral","sentiment_score":0.05176499160006642},{"text":"So there's a bit of wiggle room there, and I know it's not counted before the age pension age unless you're getting an income stream out of it.","start":362.24,"end":371.62,"sentiment":"neutral","sentiment_score":-0.1089025866240263},{"text":"But I'll be really interested to know what they're trying to call back.","start":374.65503,"end":377.21503,"sentiment":"neutral","sentiment_score":-0.11864719052727406}],"sentiment":"neutral","sentiment_score":-0.03176630307466556,"num_words":78,"start":341.09003,"end":377.21503},{"sentences":[{"text":"That's all.","start":377.21503,"end":377.95502,"sentiment":"neutral","sentiment_score":-0.06502167880535126},{"text":"Yeah.","start":382.815,"end":382.975,"sentiment":"neutral","sentiment_score":-0.034881509840488434},{"text":"But age pension age isn't till 67.","start":382.975,"end":384.975,"sentiment":"neutral","sentiment_score":-0.15638466285807745},{"text":"So, like, it's a it's a decent amount of time for it not to be counted.","start":384.975,"end":396.82,"sentiment":"neutral","sentiment_score":-0.19677221635356545},{"text":"No.","start":400.805,"end":400.965,"sentiment":"neutral","sentiment_score":-0.05231805518269539}],"sentiment":"neutral","sentiment_score":-0.16519596386286947,"num_words":27,"start":377.21503,"end":400.965},{"sentences":[{"text":"You're right.","start":400.965,"end":401.365,"sentiment":"neutral","sentiment_score":0.0030658405739814034},{"text":"Even if you are you able to search Oakview and just see what email addresses pop up for that?","start":401.365,"end":406.425,"sentiment":"neutral","sentiment_score":0.023552386776397104},{"text":"That's okay, mate.","start":408.16498,"end":408.965,"sentiment":"neutral","sentiment_score":0.1969958891471227},{"text":"No rush at all.","start":408.965,"end":410.025,"sentiment":"neutral","sentiment_score":-0.09314747154712677},{"text":"And just while you're finding I don't mean to interrupt you a couple of times.","start":415.62,"end":419.14,"sentiment":"neutral","sentiment_score":-0.08984768489996592}],"sentiment":"neutral","sentiment_score":-0.015713731682491162,"num_words":43,"start":400.965,"end":419.14},{"sentences":[{"text":"I do apologize.","start":419.14,"end":419.88,"sentiment":"neutral","sentiment_score":-0.08203267057736714},{"text":"But in terms of benefits, do you know when you would have started any benefits with Fendly?","start":419.94,"end":426.645,"sentiment":"neutral","sentiment_score":-0.04295070469379425},{"text":"Yeah.","start":434.785,"end":435.285,"sentiment":"neutral","sentiment_score":-0.08643636107444763},{"text":"Because if they want 60, that's quite a bit.","start":441.84,"end":444.58,"sentiment":"neutral","sentiment_score":-0.24709154996607038},{"text":"That's why I'm just curious if I can read whatever's been sent to you in writing.","start":453.695,"end":457.715,"sentiment":"neutral","sentiment_score":-0.14087550225667655}],"sentiment":"neutral","sentiment_score":-0.12044626822614152,"num_words":46,"start":419.14,"end":457.715},{"sentences":[{"text":"Yeah.","start":479.645,"end":480.125,"sentiment":"neutral","sentiment_score":-0.027363546192646027},{"text":"Okay.","start":480.125,"end":480.625,"sentiment":"neutral","sentiment_score":-0.015526367351412771},{"text":"Well, just be careful because we've got your your yeah.","start":497.275,"end":505.855,"sentiment":"neutral","sentiment_score":-0.005814504623413085},{"text":"We can help you with it.","start":506.075,"end":507.535,"sentiment":"neutral","sentiment_score":0.2995031426350276},{"text":"I just want to be careful with risk levels because we've got, like, we've got your super in a pretty growth heavy portfolio, and you've got almost a $140 in there.","start":508.075,"end":517.67004,"sentiment":"neutral","sentiment_score":0.028612694432658535}],"sentiment":"neutral","sentiment_score":0.052713824968252866,"num_words":49,"start":479.645,"end":517.67004},{"sentences":[{"text":"And it can get some pretty pretty crazy returns in in a year or two where they go up, you know, 15% kind of thing, which is pretty good compared to the bank.","start":518.05,"end":528.82495,"sentiment":"neutral","sentiment_score":0.19448596927704234},{"text":"Yeah.","start":531.52496,"end":532.02496,"sentiment":"neutral","sentiment_score":0.05057178437709808},{"text":"But because we've got you in, like, a growth portfolio, that's a four out of five on the risk scale, 80% shares and property.","start":532.485,"end":540.82495,"sentiment":"neutral","sentiment_score":-0.03371319516251484},{"text":"So it's one of those things where I don't want you to put a 120 in for argument's sake, and then you've got two sixty, and then all of a sudden the stock market crashes and you've got one seventy.","start":541.07,"end":552.69,"sentiment":"neutral","sentiment_score":-0.21557085029780865},{"text":"So the COVID one or the GFC?","start":563.485,"end":565.185,"sentiment":"neutral","sentiment_score":-0.06603818972195898}],"sentiment":"neutral","sentiment_score":-0.03262485003187543,"num_words":105,"start":518.05,"end":565.185},{"sentences":[{"text":"So there's yeah.","start":576.65,"end":577.77,"sentiment":"neutral","sentiment_score":-0.045524188627799354},{"text":"There's flex like, you can we can change it, make it a little bit little bit less risky.","start":577.77,"end":583.09503,"sentiment":"neutral","sentiment_score":-0.04280569673412376},{"text":"But even, like, the savings rates are pretty good in the banks these days.","start":583.23505,"end":586.435,"sentiment":"neutral","sentiment_score":0.06847971065768174},{"text":"I I know it's a pain when it comes to Social Security.","start":586.435,"end":589.73505,"sentiment":"neutral","sentiment_score":-0.10892445035278797},{"text":"Yeah.","start":592.44995,"end":592.61,"sentiment":"neutral","sentiment_score":-0.05590616166591644}],"sentiment":"neutral","sentiment_score":-0.02731997341228028,"num_words":48,"start":576.65,"end":592.61},{"sentences":[{"text":"What are they paying now?","start":592.61,"end":593.49,"sentiment":"neutral","sentiment_score":-0.09436377733945847},{"text":"Like, 6%?","start":593.49,"end":594.47,"sentiment":"neutral","sentiment_score":-0.0721169114112854},{"text":"Let me have a quick look.","start":616.145,"end":617.265,"sentiment":"neutral","sentiment_score":0.003278370015323162},{"text":"There's a couple out there.","start":617.265,"end":618.96497,"sentiment":"neutral","sentiment_score":-0.002145911753177643},{"text":"I'm just gonna bring up my old cheat sheet here.","start":620.43,"end":625.23,"sentiment":"neutral","sentiment_score":-0.028358161542564632}],"sentiment":"neutral","sentiment_score":-0.03181048798640924,"num_words":28,"start":592.61,"end":625.23},{"sentences":[{"text":"No.","start":625.23,"end":625.47,"sentiment":"neutral","sentiment_score":-0.14104928076267242},{"text":"No.","start":625.47,"end":625.63,"sentiment":"neutral","sentiment_score":-0.16475379467010498},{"text":"Like, between you know, you've got the the major banks.","start":625.63,"end":628.02997,"sentiment":"neutral","sentiment_score":-0.14252624809741973},{"text":"Right?","start":628.02997,"end":628.52997,"sentiment":"neutral","sentiment_score":-0.05177944153547287},{"text":"I know, like, credit unions tend to have slightly higher rates than the banks.","start":629.87,"end":635.70496,"sentiment":"neutral","sentiment_score":-0.08041671397430557}],"sentiment":"neutral","sentiment_score":-0.10772885161417502,"num_words":27,"start":625.23,"end":635.70496},{"sentences":[{"text":"I know ING sitting at about 5.85%.","start":637.44495,"end":640.665,"sentiment":"neutral","sentiment_score":-0.02046940997908158},{"text":"You've got credit funds, which is similar to a term deposit.","start":641.605,"end":646.02496,"sentiment":"neutral","sentiment_score":-0.012141837145794521},{"text":"What do they pay at the moment?","start":647.45996,"end":648.66,"sentiment":"neutral","sentiment_score":-0.0027295826002955437},{"text":"Six point five.","start":648.66,"end":649.72,"sentiment":"neutral","sentiment_score":-0.006429921214779218},{"text":"Oh, yeah.","start":663.475,"end":664.195,"sentiment":"neutral","sentiment_score":-0.04648498073220253}],"sentiment":"neutral","sentiment_score":-0.013607096058937411,"num_words":30,"start":637.44495,"end":664.195},{"sentences":[{"text":"No.","start":664.195,"end":664.515,"sentiment":"neutral","sentiment_score":-0.10255612432956696},{"text":"I'd steer away from those.","start":664.515,"end":665.735,"sentiment":"neutral","sentiment_score":-0.15631655007600784},{"text":"Like a peer to peer lending thing.","start":669.075,"end":670.835,"sentiment":"neutral","sentiment_score":-0.021840730415923253},{"text":"Yeah.","start":670.835,"end":671.335,"sentiment":"neutral","sentiment_score":0.009286224842071531},{"text":"So the the one that's higher than a bank that I normally look at, there's this Latrobe Credit Fund, and they pay 6.5% instead of 5.85.","start":673.37,"end":684.11,"sentiment":"neutral","sentiment_score":0.004458623956172512}],"sentiment":"neutral","sentiment_score":-0.0227953384979628,"num_words":40,"start":664.195,"end":684.11},{"sentences":[{"text":"But it's not insured by the government, and the government ensures a term deposit up to $200.","start":684.57,"end":690.135,"sentiment":"neutral","sentiment_score":-0.03646264964824214},{"text":"Yeah.","start":690.35504,"end":690.85504,"sentiment":"neutral","sentiment_score":-0.05658552795648575},{"text":"For the extra 0.65%, having it insured by the government up to $200 is a bit better.","start":691.635,"end":697.09503,"sentiment":"neutral","sentiment_score":-0.13144814354531906},{"text":"Yeah.","start":698.515,"end":698.755,"sentiment":"neutral","sentiment_score":-0.3041829466819763},{"text":"If it was a full percent extra, maybe, but an extra half a percent for it not to be insured is kind of not really worth it.","start":698.755,"end":704.79004,"sentiment":"negative","sentiment_score":-0.51594689267653}],"sentiment":"neutral","sentiment_score":-0.27215584224119543,"num_words":63,"start":684.57,"end":704.79004},{"sentences":[{"text":"Exactly right.","start":708.61005,"end":709.25,"sentiment":"negative","sentiment_score":-0.4119253158569336},{"text":"Like, if that company goes belly up and then you don't get the money back.","start":709.25,"end":713.19,"sentiment":"negative","sentiment_score":-0.5104253749052684},{"text":"So I reckon it'd be between ING and.","start":715.925,"end":719.625,"sentiment":"neutral","sentiment_score":-0.05221109325066209},{"text":"You'd be better off going direct with them.","start":725.605,"end":727.705,"sentiment":"neutral","sentiment_score":-0.055613219272345304},{"text":"It'll be much easier to go direct with them because as long as you can give them all your ID, these online applications are pretty quick these days.","start":731.8,"end":739.89996,"sentiment":"neutral","sentiment_score":0.19408660089331015}],"sentiment":"neutral","sentiment_score":-0.06407214640105358,"num_words":61,"start":708.61005,"end":739.89996},{"sentences":[{"text":"And if I try and find some forms and post them out, it'll take twice as long.","start":741.895,"end":745.27496,"sentiment":"negative","sentiment_score":-0.3407323868835674},{"text":"So, yeah, I reckon it'll be a bit of a toss-up between, like, an ING or a bit in the super as well.","start":750.935,"end":758.18005,"sentiment":"negative","sentiment_score":-0.3532106928203417},{"text":"But I'll have to look at just reducing the risk level down a little bit.","start":758.72003,"end":762.66003,"sentiment":"neutral","sentiment_score":-0.14291881024837494},{"text":"But the thing is I don't wanna I don't want you to take on a lot of risk where you could lose, like, a third of it, right, to get an extra one or 2% return.","start":763.04004,"end":771.635,"sentiment":"neutral","sentiment_score":-0.3210045446952184},{"text":"Well, that's what I'm sort of thinking is, like, you you could put a bid in.","start":779.47003,"end":782.53,"sentiment":"neutral","sentiment_score":0.05554787674918771}],"sentiment":"neutral","sentiment_score":-0.2497894976322896,"num_words":107,"start":741.895,"end":782.53},{"sentences":[{"text":"And if you want us to adjust the risk level, we can.","start":782.83,"end":785.31,"sentiment":"neutral","sentiment_score":0.04447941202670336},{"text":"But if you want to keep a smaller amount in the growth stuff And then the rest of it in term deposit or something might be a good idea.","start":785.31,"end":796.625,"sentiment":"neutral","sentiment_score":0.09897414196668},{"text":"And then the only other thing I wanna look at is, yeah, if you can get me that info from the solicitor about the Social Security.","start":800.925,"end":809.51,"sentiment":"neutral","sentiment_score":0.04604780512790267},{"text":"Yeah.","start":809.97,"end":810.47,"sentiment":"neutral","sentiment_score":0.01217169314622879},{"text":"Do you have all of the details?","start":816.13,"end":818.39,"sentiment":"neutral","sentiment_score":-0.021341223801885332}],"sentiment":"neutral","sentiment_score":0.059520388282835485,"num_words":75,"start":782.83,"end":818.39},{"sentences":[{"text":"Yeah.","start":820.365,"end":820.845,"sentiment":"neutral","sentiment_score":-0.11477255821228027},{"text":"It's there's got to be some sort of rhyme or reason behind it because unless it's one of those things where they're like, oh, you've been on benefits for twelve months, and now you've gotten this income back pay, so everything you've received for twelve months.","start":820.845,"end":832.925,"sentiment":"neutral","sentiment_score":-0.1440319763901441},{"text":"But that wouldn't be 60,000.","start":832.925,"end":834.705,"sentiment":"neutral","sentiment_score":-0.23505236506462096},{"text":"Hopefully, a lot less than that.","start":837.43,"end":838.89,"sentiment":"neutral","sentiment_score":-0.2990923623243968},{"text":"Yeah.","start":842.79,"end":843.27,"sentiment":"neutral","sentiment_score":-0.050532229244709015}],"sentiment":"neutral","sentiment_score":-0.16543375763852716,"num_words":59,"start":820.365,"end":843.27},{"sentences":[{"text":"Yep.","start":843.27,"end":843.77,"sentiment":"neutral","sentiment_score":-0.0034223943948745728},{"text":"Yeah.","start":850.885,"end":851.205,"sentiment":"neutral","sentiment_score":-0.024749845266342163},{"text":"And what what benefits did you not going on?","start":851.205,"end":853.685,"sentiment":"neutral","sentiment_score":-0.0856324616405699},{"text":"Was it disability or job seeker?","start":853.685,"end":855.385,"sentiment":"neutral","sentiment_score":-0.06912947880725066},{"text":"Long wait times for that, I'm assuming.","start":864.82,"end":866.60004,"sentiment":"neutral","sentiment_score":-0.10154129298669952}],"sentiment":"neutral","sentiment_score":-0.08018459659069777,"num_words":24,"start":843.27,"end":866.60004},{"sentences":[{"text":"I'm assuming there's some long wait times for those to try and get on to that.","start":868.34,"end":872.025,"sentiment":"neutral","sentiment_score":-0.11973522324115038},{"text":"You'd be building your own log cabin with the amount of paper you've had to go through, mate.","start":888.12,"end":891.89996,"sentiment":"neutral","sentiment_score":-0.04395833890885115},{"text":"Oh, jeez.","start":901.415,"end":901.995,"sentiment":"neutral","sentiment_score":-0.11440889164805412},{"text":"Yeah.","start":917.11,"end":917.61,"sentiment":"neutral","sentiment_score":-0.17727568745613098},{"text":"K.","start":934.5,"end":935.0,"sentiment":"neutral","sentiment_score":0.06906434148550034}],"sentiment":"neutral","sentiment_score":-0.0801063895127491,"num_words":38,"start":868.34,"end":935.0},{"sentences":[{"text":"Yeah.","start":938.66003,"end":938.9,"sentiment":"neutral","sentiment_score":0.2027292400598526},{"text":"That'd be a good first step just so we can just keep an eye on it before we do anything.","start":938.9,"end":944.44,"sentiment":"neutral","sentiment_score":0.25915067195892333},{"text":"And are you okay for for you to just sort of email you back with a bit of info?","start":948.19495,"end":953.095,"sentiment":"neutral","sentiment_score":0.10859584945597146},{"text":"We'll obviously try and call you, but if that works.","start":953.235,"end":956.295,"sentiment":"neutral","sentiment_score":0.055583620071411134},{"text":"Yeah.","start":963.49,"end":963.99,"sentiment":"neutral","sentiment_score":-0.10120457410812378}],"sentiment":"neutral","sentiment_score":0.15497442050015225,"num_words":51,"start":938.66003,"end":963.99},{"sentences":[{"text":"I've got the thing where every time it calls, it doesn't ring through, and then it says voice message full.","start":964.29,"end":970.17505,"sentiment":"neutral","sentiment_score":-0.07025096509605647},{"text":"Can't leave a voice mail, so I just text you straight afterwards.","start":970.17505,"end":972.995,"sentiment":"neutral","sentiment_score":0.03221718858306607},{"text":"But I'd I'd love to be able to kind of reach you rather than getting you to call back in every time.","start":973.615,"end":977.555,"sentiment":"neutral","sentiment_score":0.287370080974969},{"text":"Yeah.","start":980.815,"end":981.135,"sentiment":"neutral","sentiment_score":0.03952273353934288},{"text":"No.","start":981.135,"end":981.29504,"sentiment":"neutral","sentiment_score":-0.04699420928955078}],"sentiment":"neutral","sentiment_score":0.0945760226209781,"num_words":56,"start":964.29,"end":981.29504},{"sentences":[{"text":"That's cool.","start":981.29504,"end":981.935,"sentiment":"neutral","sentiment_score":0.15998603403568268},{"text":"Look.","start":981.935,"end":982.17505,"sentiment":"neutral","sentiment_score":0.11777262389659882},{"text":"Happy to do so.","start":982.17505,"end":983.135,"sentiment":"neutral","sentiment_score":0.2099786512553692},{"text":"But and did you manage to find that email from the solicitor by any chance?","start":983.135,"end":993.44,"sentiment":"neutral","sentiment_score":0.05204316005110741},{"text":"Cool.","start":998.475,"end":998.71497,"sentiment":"positive","sentiment_score":0.3890224695205689}],"sentiment":"neutral","sentiment_score":0.10640561596854874,"num_words":23,"start":981.29504,"end":998.71497},{"sentences":[{"text":"What I might do just in case is I will text you through our best email.","start":998.71497,"end":1003.69495,"sentiment":"neutral","sentiment_score":0.17657640669494867},{"text":"And then if you can just email it to that, I can have a look at it with Larissa and and see if we can spot anything.","start":1005.51495,"end":1011.14996,"sentiment":"neutral","sentiment_score":0.14160961188651897},{"text":"Look.","start":1011.52997,"end":1011.76996,"sentiment":"neutral","sentiment_score":-0.013173121958971024},{"text":"A lot of the times, there's not much can be done.","start":1011.76996,"end":1014.08997,"sentiment":"neutral","sentiment_score":-0.1491483927450397},{"text":"But if we spot anything, we'll definitely give you some info if we have any.","start":1014.08997,"end":1018.26996,"sentiment":"neutral","sentiment_score":0.0631301333506902}],"sentiment":"neutral","sentiment_score":0.08488326551658766,"num_words":70,"start":998.71497,"end":1018.26996},{"sentences":[{"text":"Okay.","start":1020.825,"end":1021.325,"sentiment":"neutral","sentiment_score":0.10713919997215272},{"text":"You're most welcome, sir.","start":1026.665,"end":1027.865,"sentiment":"positive","sentiment_score":0.5206730589270592},{"text":"Anytime at all.","start":1027.865,"end":1028.925,"sentiment":"neutral","sentiment_score":0.22108018894990286},{"text":"Alrighty.","start":1031.145,"end":1031.645,"sentiment":"neutral","sentiment_score":0.26098179817199707},{"text":"Mate, I'll keep an eye out for the email.","start":1032.12,"end":1033.9,"sentiment":"neutral","sentiment_score":0.1942338463332918}],"sentiment":"neutral","sentiment_score":0.27011991209454006,"num_words":18,"start":1020.825,"end":1033.9},{"sentences":[{"text":"I will be off in a in a little bit to go grab the kids, but I'll probably have a little look see at it probably tomorrow or Wednesday at the latest.","start":1034.2,"end":1041.98,"sentiment":"neutral","sentiment_score":0.12470330577343702},{"text":"Yeah.","start":1054.055,"end":1054.555,"sentiment":"neutral","sentiment_score":-0.008443264290690422},{"text":"Okay.","start":1054.855,"end":1055.175,"sentiment":"neutral","sentiment_score":0.016960151493549347},{"text":"That works out pretty good then.","start":1055.175,"end":1056.63,"sentiment":"neutral","sentiment_score":0.036179324612021446},{"text":"It's a bit of a runaround, it sounds like.","start":1062.79,"end":1064.89,"sentiment":"negative","sentiment_score":-0.3549312353134155}],"sentiment":"neutral","sentiment_score":0.02085137758784148,"num_words":49,"start":1034.2,"end":1064.89},{"sentences":[{"text":"Alright.","start":1069.2051,"end":1069.605,"sentiment":"neutral","sentiment_score":-0.25982004404067993},{"text":"So, yeah, well, between the insurance and the super and the solicitors and the work covers, there are quite a few things I have to try and go through.","start":1069.605,"end":1078.8251,"sentiment":"neutral","sentiment_score":-0.13749518887750034},{"text":"Can I ask you as well just as a bit of a final question there?","start":1086.74,"end":1089.54,"sentiment":"neutral","sentiment_score":-0.047523041069507596},{"text":"With the work cover, do you need to access any of the 120,000 for living expenses or you okay cash flow wise?","start":1089.54,"end":1098.6849,"sentiment":"neutral","sentiment_score":-0.010697894475676796},{"text":"I just mean any of the funds that you're about to get or just got from work cover.","start":1102.985,"end":1107.565,"sentiment":"neutral","sentiment_score":-0.009316653634111086}],"sentiment":"neutral","sentiment_score":-0.06309505389893756,"num_words":85,"start":1069.2051,"end":1107.565},{"sentences":[{"text":"Do you need any of that set aside that's not locked away?","start":1107.9199,"end":1111.22,"sentiment":"neutral","sentiment_score":-0.01580120778332154},{"text":"Yeah.","start":1128.975,"end":1129.475,"sentiment":"neutral","sentiment_score":0.04034445807337761},{"text":"So somewhere between 10 and 25,000 to stay as, like, liquid cash.","start":1129.615,"end":1133.7949,"sentiment":"neutral","sentiment_score":0.04153700607518355},{"text":"And you're thinking maybe 20 into the super, and then anything outside of that, lock it away for a term deposit.","start":1134.75,"end":1141.3301,"sentiment":"neutral","sentiment_score":0.04356404606785093},{"text":"Balance side of Social Security.","start":1144.91,"end":1148.9451,"sentiment":"neutral","sentiment_score":0.04197812527418136}],"sentiment":"neutral","sentiment_score":0.028900188850421532,"num_words":51,"start":1107.9199,"end":1148.9451},{"sentences":[{"text":"Just making a couple of notes on the account there.","start":1150.125,"end":1152.2251,"sentiment":"neutral","sentiment_score":0.07899152189493179},{"text":"Cool.","start":1153.5651,"end":1153.885,"sentiment":"positive","sentiment_score":0.36793363094329834},{"text":"Alright.","start":1153.885,"end":1154.2051,"sentiment":"neutral","sentiment_score":0.2908623218536377},{"text":"Well, I'll keep an eye out for that email over the next couple of days.","start":1154.2051,"end":1156.865,"sentiment":"neutral","sentiment_score":0.2502698411544164},{"text":"I've just noted this down so we've got a bit of an idea of what the plan looks like, And then I'll see if I can give you any info from there.","start":1157.645,"end":1165.4501,"sentiment":"neutral","sentiment_score":0.12449577217921615}],"sentiment":"neutral","sentiment_score":0.1557054830304647,"num_words":59,"start":1150.125,"end":1165.4501},{"sentences":[{"text":"If there's nothing else to be done, we'll just let you kind of do the transactions.","start":1165.67,"end":1170.41,"sentiment":"neutral","sentiment_score":0.1285511809401214},{"text":"And if you need any help with, you know, payment details or anything like that, we can help you there as well.","start":1171.35,"end":1176.725,"sentiment":"neutral","sentiment_score":0.15961405330083586},{"text":"Cool, mate.","start":1179.3451,"end":1179.8251,"sentiment":"positive","sentiment_score":0.39969681203365326},{"text":"Any questions for me before I let you go?","start":1179.8251,"end":1181.685,"sentiment":"neutral","sentiment_score":0.1586399848262469},{"text":"Okay.","start":1185.5851,"end":1186.0851,"sentiment":"neutral","sentiment_score":0.020902549847960472}],"sentiment":"neutral","sentiment_score":0.15632768210023643,"num_words":50,"start":1165.67,"end":1186.0851},{"sentences":[{"text":"Yep.","start":1189.8401,"end":1190.24,"sentiment":"neutral","sentiment_score":0.028682179749011993},{"text":"No worries.","start":1190.24,"end":1190.9801,"sentiment":"neutral","sentiment_score":0.03720505256205797},{"text":"Yeah.","start":1192.56,"end":1192.9601,"sentiment":"neutral","sentiment_score":0.05428040027618408},{"text":"Look.","start":1192.9601,"end":1193.28,"sentiment":"neutral","sentiment_score":0.045285552740097046},{"text":"Just, again, talk to whoever can help at the time.","start":1193.28,"end":1196.66,"sentiment":"neutral","sentiment_score":0.02725178524851799}],"sentiment":"neutral","sentiment_score":0.0316784060249726,"num_words":15,"start":1189.8401,"end":1196.66},{"sentences":[{"text":"If someone's unavailable, we'll we'll just get it booked in, or we'll call you back when we've got a spare spare time slot.","start":1196.7201,"end":1204.705,"sentiment":"neutral","sentiment_score":-0.005700400342112002},{"text":"Alrighty, Tim.","start":1207.965,"end":1208.9451,"sentiment":"positive","sentiment_score":0.35051117837429047},{"text":"You're most welcome, mate.","start":1210.045,"end":1211.245,"sentiment":"positive","sentiment_score":0.49341563135385513},{"text":"I will talk to you later in the week.","start":1211.245,"end":1213.74,"sentiment":"neutral","sentiment_score":0.2872633867793613},{"text":"Actually, none of the cloud has come back.","start":1219.74,"end":1221.34,"sentiment":"neutral","sentiment_score":-0.115757348947227}],"sentiment":"neutral","sentiment_score":0.09136711660286655,"num_words":46,"start":1196.7201,"end":1221.34},{"sentences":[{"text":"The cloud has come back already.","start":1221.34,"end":1222.72,"sentiment":"neutral","sentiment_score":-0.09674857805172603},{"text":"Yeah.","start":1225.58,"end":1226.0599,"sentiment":"neutral","sentiment_score":-0.037898581475019455},{"text":"Right.","start":1226.0599,"end":1226.38,"sentiment":"neutral","sentiment_score":-0.04404769837856293},{"text":"We're we're just about to hit winter, aren't we?","start":1226.38,"end":1228.335,"sentiment":"neutral","sentiment_score":-0.05229565335644616},{"text":"Good fun.","start":1233.2949,"end":1234.195,"sentiment":"positive","sentiment_score":0.3934793472290039}],"sentiment":"neutral","sentiment_score":-0.018217891258628743,"num_words":19,"start":1221.34,"end":1234.195},{"sentences":[{"text":"I'll I'll enjoy the last couple days of sun.","start":1234.4149,"end":1236.835,"sentiment":"neutral","sentiment_score":0.21420958120789793},{"text":"Yeah.","start":1239.375,"end":1239.875,"sentiment":"neutral","sentiment_score":0.03517931327223778},{"text":"Happens every year.","start":1239.9349,"end":1241.13,"sentiment":"neutral","sentiment_score":0.014308071384827295},{"text":"That's pretty good for I mean, the thing with Victoria is it tends to you can chop and change on a dime, can't it?","start":1250.17,"end":1256.205,"sentiment":"positive","sentiment_score":0.3913698699325323},{"text":"Oh, yeah?","start":1262.0449,"end":1262.705,"sentiment":"neutral","sentiment_score":0.05867510475218296}],"sentiment":"neutral","sentiment_score":0.2952876114405883,"num_words":39,"start":1234.4149,"end":1262.705},{"sentences":[{"text":"Bit more consistent there or a bit more chopping?","start":1264.0449,"end":1266.705,"sentiment":"neutral","sentiment_score":0.041625268964303866},{"text":"Yeah.","start":1268.46,"end":1268.96,"sentiment":"neutral","sentiment_score":0.1424192190170288},{"text":"Cool.","start":1282.155,"end":1282.655,"sentiment":"neutral","sentiment_score":0.28887853026390076},{"text":"That means you got a good price.","start":1283.755,"end":1285.295,"sentiment":"neutral","sentiment_score":0.319441414305142},{"text":"Well, are you still in was it Strathminton?","start":1289.755,"end":1291.535,"sentiment":"neutral","sentiment_score":-0.007407226104987785}],"sentiment":"neutral","sentiment_score":0.11472143312522139,"num_words":26,"start":1264.0449,"end":1291.535},{"sentences":[{"text":"Or was it Strathminton or is it Namerica?","start":1291.6749,"end":1297.87,"sentiment":"neutral","sentiment_score":-0.008257283479906619},{"text":"Strathmerton.","start":1300.01,"end":1300.51,"sentiment":"neutral","sentiment_score":-0.005486547481268644},{"text":"Sorry.","start":1300.97,"end":1301.47,"sentiment":"neutral","sentiment_score":-0.03293783590197563},{"text":"Strathminton.","start":1303.77,"end":1304.27,"sentiment":"neutral","sentiment_score":-0.010546556673943996},{"text":"Yeah.","start":1313.595,"end":1313.835,"sentiment":"neutral","sentiment_score":-0.010714767500758173}],"sentiment":"neutral","sentiment_score":-0.010478664616433283,"num_words":12,"start":1291.6749,"end":1313.835},{"sentences":[{"text":"Yep.","start":1313.835,"end":1314.335,"sentiment":"neutral","sentiment_score":0.0014025550335645676},{"text":"Yeah.","start":1324.25,"end":1324.75,"sentiment":"neutral","sentiment_score":-0.02996215783059597},{"text":"It looks a bit little bit chillier there.","start":1340.985,"end":1343.485,"sentiment":"neutral","sentiment_score":-0.04124910174869001},{"text":"At least it's not that far.","start":1354.32,"end":1355.78,"sentiment":"neutral","sentiment_score":0.029166153632104397},{"text":"That's handy.","start":1367.135,"end":1367.955,"sentiment":"neutral","sentiment_score":0.20201581716537476}],"sentiment":"neutral","sentiment_score":0.012248674407601358,"num_words":18,"start":1313.835,"end":1367.955},{"sentences":[{"text":"Alright, mate.","start":1373.0701,"end":1373.79,"sentiment":"neutral","sentiment_score":0.20617718249559402},{"text":"Well, if there's anything you need, again, yeah, just call, text, email, and thank you for your time today.","start":1373.79,"end":1381.985,"sentiment":"neutral","sentiment_score":0.2758409698542796},{"text":"No worries at all.","start":1384.125,"end":1385.8251,"sentiment":"neutral","sentiment_score":0.10512460954487324},{"text":"Always try, mate.","start":1386.045,"end":1387.3451,"sentiment":"positive","sentiment_score":0.6560367544492086},{"text":"Alright, Tim.","start":1387.885,"end":1388.365,"sentiment":"neutral","sentiment_score":0.2832478731870651}],"sentiment":"neutral","sentiment_score":0.28694790800412495,"num_words":30,"start":1373.0701,"end":1388.365},{"sentences":[{"text":"I'll talk to you later in the week, mate.","start":1388.365,"end":1390.0651,"sentiment":"neutral","sentiment_score":0.28846081097920734},{"text":"Gotcha.","start":1391.245,"end":1391.7251,"sentiment":"neutral","sentiment_score":0.08218979835510254},{"text":"Bye.","start":1391.7251,"end":1392.2251,"sentiment":"neutral","sentiment_score":-0.11996299773454666}],"sentiment":"neutral","sentiment_score":0.23257946358485657,"num_words":11,"start":1388.365,"end":1392.2251}]}}]},{"alternatives":[{"transcript":"Good day. Yeah. You're in Queensland. Yeah. Yes. Well, it's getting worse, isn't it? Each year is getting worse than that. Yeah. And they still haven't haven't fixed the issues. So yeah. Good now. I finally got I was gonna just go to sign someone all the paperwork for the compensation client. Yeah. But the thing I'm I'm ringing you about is I wanna hide it from Social Security if there's a possible way to do that. I was thinking about I was thinking about doing that. Excuse me. Yep. Yeah. Oh, yeah. Because they get with Social Security wants about, you know, nearly half of it. And it's a fair whack. Yeah. Yeah. Back to my benefits, but I've never been I've never been on the go that long. Yeah. So I don't see I I don't understand where they where they wanna get all this money for. No. The only only information I've got is through me by the lawyer, the solicitor. And that and mister Lester is very vague about it as well. A little bit, but yeah. Yeah. It doesn't really make much sense. I can take a picture of it and email it to you. Yep. Alright. Yes. Yeah. I think I got a car. What's what's her name? Kathy. Oh, it's Kathy. Oh, caddy. The caddy? It's c a c a or it's a c q, c h y. Oh, no. That's a solicitor. Sorry. Oh, I was giving you I was giving you the solicitor's buddy. Circular design. Sorry, mate. I just confused you completely. Yeah. No. I've I've got I've got your right email address. So so I'm just sending it through the email address just and give you a ring so they'll send it through to you. Okay. Yeah. It's very roughly a 127. Mhmm. Okay. Alright. Mhmm. Yeah. Well, nearly 15. I'll be 16. I'll be 60 in September. So yeah. Yeah. I'm just trying to find it. Guess. It just started twelve months. Not even that, I think. Yeah. They do. They they they wanna fit a fair whack out of it. I don't understand why. Because, like, buddy, you you you get you get one step forward and they wanna throw you fucking three steps backwards again. Because I was planning on, obviously, getting this bloody payout and investing it for a while to eventually buy a home or just a unit for me to sell. Yeah. And that's sort of fucking the odd idea. So I invest it in a way that I make the most most out of the the money I'll put in. Yeah. Well, I mean, I I deal with you, so Yep. Right. Mhmm. Well, it sounded good. Let me see if it sounded good now. Yeah. Mhmm. Yeah. And the bugger all left. Well, I went through that. I went through that when we had the recession last. Well, the time when I think. Where everyone just went down the shit street. Yeah. Well, I was seeing the guy on the o I ING. I think so. That's why I was thinking about ING. But unless you got a better idea of some other bank or some other place to in, dump it in so you get a higher interest rate on a fixed term for twelve months or something. But, yeah, dodgy. I like. Yeah. What's this needs to be that you're talking about? Like, loans. You you have you're investing you're putting money into a loan. But first up, I saw something on bloody You YouTube about it last night on the yeah. Mhmm. Yeah. Right. So it's not yeah. So it's not as safe. Yep. It's the worst world. Yeah. Mhmm. Yeah. It's a bit not worse of worse of all the risk. Yeah. Mhmm. So if I say I decide say I wanna go with with ONT, can you organize all that forms? Or do I need to do do I need to just get do it myself? Yep. Mhmm. Yep. Yeah. I'm fucking over formed. Yeah. Yeah. Yeah. Service. What do you suggest? Put $20.20 say $20 or something in your super? Yep. No. It seems to me it said it sounds like it's working well at the moment. Yeah. You know, I enjoy it. Yeah. Yeah. Work out why why that what are we gonna do? Yeah. Because it sounded a bit it sounded a bit unfair what they're gonna do. No. Yeah. It's less than me pay. Well, it's more more than me more than me yearly yearly wage that I was getting when I was working full time. I'm on at the moment, I'm just on JobSeeker. I'm waiting to go on to disability pension. Oh, they won? Yeah. See, it's first. I don't know how long I've been waiting so far. They've they've got all my paperwork. I've got all those and all those, buddy. Medical records. Maybe pretty much. If I've molt they've molted it down, I could let make little logs out of it. Well, the woman I gave it to, Social Security, she was surprised that they'd be the ham how detailed all my bloody paperwork. Normally, she said they don't see it like that. Yes. So at the moment, I'm just waiting for that. Yeah. Well, I'll organize this email for you. Yeah. Yeah. Yeah. Yeah. Whenever. Yeah. You can do that. It says that you you can't read me sometimes. The phone call doesn't get me. Yeah. Oh, it doesn't matter as long as I ring you. Well, we're getting caught talking with each other. It's better than nothing. No. All I said is look I'm gonna go through with me, type of work. Okay. Mhmm. Yeah. Okay. Alright. Well, thank you so far for your information. No problem. Yeah. That's fine. I'll have to dig around with it tonight. I gotta do a paperwork because I don't want any wife to solicit this. Oh, they get witnesses and everything tomorrow to someone. Documents. Yeah. It's a pain in the ass, like, the witnesses and shit. Oh, it is. It's fucking horrible. I was bad enough with this stupor. It always get me. Yeah. Yeah. I haven't been able to walk. So mhmm. Yes. Dodge Racing Subaru Super. Probably, I would like to probably only let's say $20.20 25,000, maybe. Not much. Maybe less. Even $10.10 before. Yeah. Yeah. Yep. Yep. Oh, yeah? Mhmm. Yep. Yep. Alright. Okay. No. That's about it. I'll just ring you in on it. I've got if I've got any issues, I'll ring you and talk to someone. Yep. Talk to hell about the time. Yep. Okay. That's good. Thank you very much. Alright. Don't sun yourself in the sun you bastard. It's overcast. It's overcast in it's overcast in Chile here. Yes. Yeah. Yeah. Mhmm. Oh, well, it's gonna happen. Please please where are we living? We still get a a fair whack of sunlight during the days. Oh, here in the fruit bowl, sir. Yeah. Yeah. That's what's yeah. It's consistent. It's more so much some there's so many daylight hours compared to other places. But the equivalent is I went to Queensland as far as I know. Yeah. It's just cold up. It's just don't know this don't know this form. What's that? Strathmerton. Strathmerton. Yeah. Yeah. I'm just I'm not I'm living in America, which is, oh, no. Fifteen minute drive away from where I was living. Yeah. Well, Stratford, it was the well, it's pretty much a dead town. It's just houses and a few new industrial places. And we're in America is a town. It's got two supermarkets and two pubs. That's a bit more. Yeah. It's not bad. Where I'm living, it's just the doctor's right behind me. So it's a little little tiny walk tiny walk. There's a chemist right across the road. We the supermarket's just up the road from me. But so everything's in walking distance that I know you to go to. Yeah. Yep. Yep. Alright. Thank you for your time. You have good health. Alright. Thank you very much. Alright. 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Yeah. You're in Queensland. Yeah. Yes.\n\nWell, it's getting worse, isn't it? Each year is getting worse than that. Yeah. And they still haven't haven't fixed the issues. So yeah.\n\nGood now. I finally got I was gonna just go to sign someone all the paperwork for the compensation client. Yeah. But the thing I'm I'm ringing you about is I wanna hide it from Social Security if there's a possible way to do that. I was thinking about I was thinking about doing that.\n\nExcuse me. Yep. Yeah. Oh, yeah. Because they get with Social Security wants about, you know, nearly half of it.\n\nAnd it's a fair whack. Yeah. Yeah. Back to my benefits, but I've never been I've never been on the go that long. Yeah.\n\nSo I don't see I I don't understand where they where they wanna get all this money for. No. The only only information I've got is through me by the lawyer, the solicitor. And that and mister Lester is very vague about it as well. A little bit, but yeah.\n\nYeah. It doesn't really make much sense. I can take a picture of it and email it to you. Yep. Alright.\n\nYes. Yeah. I think I got a car. What's what's her name? Kathy.\n\nOh, it's Kathy. Oh, caddy. The caddy? It's c a c a or it's a c q, c h y. Oh, no.\n\nThat's a solicitor. Sorry. Oh, I was giving you I was giving you the solicitor's buddy. Circular design. Sorry, mate.\n\nI just confused you completely. Yeah. No. I've I've got I've got your right email address. So so I'm just sending it through the email address just and give you a ring so they'll send it through to you.\n\nOkay. Yeah. It's very roughly a 127. Mhmm. Okay.\n\nAlright. Mhmm. Yeah. Well, nearly 15. I'll be 16.\n\nI'll be 60 in September. So yeah. Yeah. I'm just trying to find it. Guess.\n\nIt just started twelve months. Not even that, I think. Yeah. They do. They they they wanna fit a fair whack out of it.\n\nI don't understand why. Because, like, buddy, you you you get you get one step forward and they wanna throw you fucking three steps backwards again. Because I was planning on, obviously, getting this bloody payout and investing it for a while to eventually buy a home or just a unit for me to sell. Yeah. And that's sort of fucking the odd idea.\n\nSo I invest it in a way that I make the most most out of the the money I'll put in. Yeah. Well, I mean, I I deal with you, so Yep. Right. Mhmm.\n\nWell, it sounded good. Let me see if it sounded good now. Yeah. Mhmm. Yeah.\n\nAnd the bugger all left. Well, I went through that. I went through that when we had the recession last. Well, the time when I think. Where everyone just went down the shit street.\n\nYeah. Well, I was seeing the guy on the o I ING. I think so. That's why I was thinking about ING. But unless you got a better idea of some other bank or some other place to in, dump it in so you get a higher interest rate on a fixed term for twelve months or something.\n\nBut, yeah, dodgy. I like. Yeah. What's this needs to be that you're talking about? Like, loans.\n\nYou you have you're investing you're putting money into a loan. But first up, I saw something on bloody You YouTube about it last night on the yeah. Mhmm. Yeah. Right.\n\nSo it's not yeah. So it's not as safe. Yep. It's the worst world. Yeah.\n\nMhmm. Yeah. It's a bit not worse of worse of all the risk. Yeah. Mhmm.\n\nSo if I say I decide say I wanna go with with ONT, can you organize all that forms? Or do I need to do do I need to just get do it myself? Yep. Mhmm. Yep.\n\nYeah. I'm fucking over formed. Yeah. Yeah. Yeah.\n\nService. What do you suggest? Put $20.20 say $20 or something in your super? Yep. No.\n\nIt seems to me it said it sounds like it's working well at the moment. Yeah. You know, I enjoy it. Yeah. Yeah.\n\nWork out why why that what are we gonna do? Yeah. Because it sounded a bit it sounded a bit unfair what they're gonna do. No. Yeah.\n\nIt's less than me pay. Well, it's more more than me more than me yearly yearly wage that I was getting when I was working full time. I'm on at the moment, I'm just on JobSeeker. I'm waiting to go on to disability pension. Oh, they won?\n\nYeah. See, it's first. I don't know how long I've been waiting so far. They've they've got all my paperwork. I've got all those and all those, buddy.\n\nMedical records. Maybe pretty much. If I've molt they've molted it down, I could let make little logs out of it. Well, the woman I gave it to, Social Security, she was surprised that they'd be the ham how detailed all my bloody paperwork. Normally, she said they don't see it like that.\n\nYes. So at the moment, I'm just waiting for that. Yeah. Well, I'll organize this email for you. Yeah.\n\nYeah. Yeah. Yeah. Whenever. Yeah.\n\nYou can do that. It says that you you can't read me sometimes. The phone call doesn't get me. Yeah. Oh, it doesn't matter as long as I ring you.\n\nWell, we're getting caught talking with each other. It's better than nothing. No. All I said is look I'm gonna go through with me, type of work. Okay.\n\nMhmm. Yeah. Okay. Alright. Well, thank you so far for your information.\n\nNo problem. Yeah. That's fine. I'll have to dig around with it tonight. I gotta do a paperwork because I don't want any wife to solicit this.\n\nOh, they get witnesses and everything tomorrow to someone. Documents. Yeah. It's a pain in the ass, like, the witnesses and shit. Oh, it is.\n\nIt's fucking horrible. I was bad enough with this stupor. It always get me. Yeah. Yeah.\n\nI haven't been able to walk. So mhmm. Yes. Dodge Racing Subaru Super. Probably, I would like to probably only let's say $20.20 25,000, maybe.\n\nNot much. Maybe less. Even $10.10 before. Yeah. Yeah.\n\nYep. Yep. Oh, yeah? Mhmm. Yep.\n\nYep. Alright. Okay. No. That's about it.\n\nI'll just ring you in on it. I've got if I've got any issues, I'll ring you and talk to someone. Yep. Talk to hell about the time. Yep.\n\nOkay. That's good. Thank you very much. Alright. Don't sun yourself in the sun you bastard.\n\nIt's overcast. It's overcast in it's overcast in Chile here. Yes. Yeah. Yeah.\n\nMhmm. Oh, well, it's gonna happen. Please please where are we living? We still get a a fair whack of sunlight during the days. Oh, here in the fruit bowl, sir.\n\nYeah. Yeah. That's what's yeah. It's consistent. It's more so much some there's so many daylight hours compared to other places.\n\nBut the equivalent is I went to Queensland as far as I know. Yeah. It's just cold up. It's just don't know this don't know this form. What's that?\n\nStrathmerton. Strathmerton. Yeah. Yeah. I'm just I'm not I'm living in America, which is, oh, no.\n\nFifteen minute drive away from where I was living. Yeah. Well, Stratford, it was the well, it's pretty much a dead town. It's just houses and a few new industrial places. And we're in America is a town.\n\nIt's got two supermarkets and two pubs. That's a bit more. Yeah. It's not bad. Where I'm living, it's just the doctor's right behind me.\n\nSo it's a little little tiny walk tiny walk. There's a chemist right across the road. We the supermarket's just up the road from me. But so everything's in walking distance that I know you to go to. Yeah.\n\nYep. Yep. Alright. Thank you for your time. You have good health.\n\nAlright. Thank you very much. Alright. Bye bye.","paragraphs":[{"sentences":[{"text":"Good day.","start":4.7999997,"end":5.62,"sentiment":"positive","sentiment_score":0.4702427089214325},{"text":"Yeah.","start":10.96,"end":11.04,"sentiment":"neutral","sentiment_score":-0.010660791769623756},{"text":"You're in Queensland.","start":11.04,"end":12.0199995,"sentiment":"neutral","sentiment_score":-0.011733457756539186},{"text":"Yeah.","start":22.575,"end":22.654999,"sentiment":"neutral","sentiment_score":-0.038578033447265625},{"text":"Yes.","start":22.654999,"end":23.154999,"sentiment":"neutral","sentiment_score":-0.03481663390994072}],"sentiment":"neutral","sentiment_score":0.10265369818080217,"num_words":8,"start":4.7999997,"end":23.154999},{"sentences":[{"text":"Well, it's getting worse, isn't it?","start":24.335,"end":25.86,"sentiment":"neutral","sentiment_score":-0.20726975550254187},{"text":"Each year is getting worse than that.","start":27.380001,"end":29.560001,"sentiment":"negative","sentiment_score":-0.37561191831316265},{"text":"Yeah.","start":38.1,"end":38.42,"sentiment":"neutral","sentiment_score":-0.10206566751003264},{"text":"And they still haven't haven't fixed the issues.","start":38.42,"end":41.4,"sentiment":"neutral","sentiment_score":-0.20726632326841354},{"text":"So yeah.","start":41.415,"end":50.935,"sentiment":"neutral","sentiment_score":-0.09835393726825715}],"sentiment":"neutral","sentiment_score":-0.24290858705838522,"num_words":24,"start":24.335,"end":50.935},{"sentences":[{"text":"Good now.","start":50.935,"end":51.415,"sentiment":"neutral","sentiment_score":0.11569231748580933},{"text":"I finally got I was gonna just go to sign someone all the paperwork for the compensation client.","start":51.415,"end":60.239998,"sentiment":"neutral","sentiment_score":0.07089621014893055},{"text":"Yeah.","start":62.219997,"end":62.62,"sentiment":"neutral","sentiment_score":-0.012656924314796925},{"text":"But the thing I'm I'm ringing you about is I wanna hide it from Social Security if there's a possible way to do that.","start":62.62,"end":72.765,"sentiment":"neutral","sentiment_score":-0.11995079647749662},{"text":"I was thinking about I was thinking about doing that.","start":92.91,"end":96.130005,"sentiment":"neutral","sentiment_score":-0.20708838924765588}],"sentiment":"neutral","sentiment_score":-0.06281533662907102,"num_words":55,"start":50.935,"end":96.130005},{"sentences":[{"text":"Excuse me.","start":97.645004,"end":98.705,"sentiment":"neutral","sentiment_score":-0.09895244240760803},{"text":"Yep.","start":102.44501,"end":102.94501,"sentiment":"neutral","sentiment_score":-0.03491061553359032},{"text":"Yeah.","start":111.98,"end":112.48,"sentiment":"neutral","sentiment_score":-0.018123485147953033},{"text":"Oh, yeah.","start":115.98,"end":116.64,"sentiment":"neutral","sentiment_score":-0.04319869726896286},{"text":"Because they get with Social Security wants about, you know, nearly half of it.","start":118.46,"end":125.255,"sentiment":"neutral","sentiment_score":-0.12810122168489865}],"sentiment":"neutral","sentiment_score":-0.1065376741811633,"num_words":20,"start":97.645004,"end":125.255},{"sentences":[{"text":"And it's a fair whack.","start":127.075,"end":128.615,"sentiment":"neutral","sentiment_score":-0.21686432510614395},{"text":"Yeah.","start":129.315,"end":129.815,"sentiment":"neutral","sentiment_score":-0.0407605916261673},{"text":"Yeah.","start":135.76001,"end":136.0,"sentiment":"neutral","sentiment_score":-0.043616119772195816},{"text":"Back to my benefits, but I've never been I've never been on the go that long.","start":136.0,"end":140.26001,"sentiment":"neutral","sentiment_score":-0.11676719388924539},{"text":"Yeah.","start":142.0,"end":142.32,"sentiment":"neutral","sentiment_score":-0.03904726356267929}],"sentiment":"neutral","sentiment_score":-0.128167529279987,"num_words":24,"start":127.075,"end":142.32},{"sentences":[{"text":"So I don't see I I don't understand where they where they wanna get all this money for.","start":142.32,"end":147.615,"sentiment":"negative","sentiment_score":-0.36038023688726956},{"text":"No.","start":153.615,"end":154.015,"sentiment":"neutral","sentiment_score":-0.21409299969673157},{"text":"The only only information I've got is through me by the lawyer, the solicitor.","start":154.015,"end":160.035,"sentiment":"neutral","sentiment_score":-0.14659565527524268},{"text":"And that and mister Lester is very vague about it as well.","start":161.13501,"end":165.83,"sentiment":"neutral","sentiment_score":-0.17031500488519669},{"text":"A little bit, but yeah.","start":172.85,"end":176.31001,"sentiment":"neutral","sentiment_score":-0.07001300007104874}],"sentiment":"neutral","sentiment_score":-0.2229424299299717,"num_words":50,"start":142.32,"end":176.31001},{"sentences":[{"text":"Yeah.","start":177.045,"end":177.125,"sentiment":"neutral","sentiment_score":-0.07935640215873718},{"text":"It doesn't really make much sense.","start":177.125,"end":178.985,"sentiment":"neutral","sentiment_score":-0.2968301872412364},{"text":"I can take a picture of it and email it to you.","start":180.005,"end":185.30501,"sentiment":"neutral","sentiment_score":-0.05430273960034052},{"text":"Yep.","start":187.52501,"end":187.845,"sentiment":"neutral","sentiment_score":0.13878369331359863},{"text":"Alright.","start":187.845,"end":188.345,"sentiment":"neutral","sentiment_score":0.1209632009267807}],"sentiment":"neutral","sentiment_score":-0.10724873840808868,"num_words":21,"start":177.045,"end":188.345},{"sentences":[{"text":"Yes.","start":197.06,"end":197.22,"sentiment":"neutral","sentiment_score":0.0141282444819808},{"text":"Yeah.","start":197.22,"end":197.7,"sentiment":"neutral","sentiment_score":0.00482411403208971},{"text":"I think I got a car.","start":197.7,"end":199.32,"sentiment":"neutral","sentiment_score":-0.012710814209034046},{"text":"What's what's her name?","start":200.1,"end":201.72,"sentiment":"neutral","sentiment_score":-0.02204750571399927},{"text":"Kathy.","start":214.245,"end":214.745,"sentiment":"neutral","sentiment_score":-0.04868941009044647}],"sentiment":"neutral","sentiment_score":-0.01493784305281364,"num_words":13,"start":197.06,"end":214.745},{"sentences":[{"text":"Oh, it's Kathy.","start":215.365,"end":216.265,"sentiment":"neutral","sentiment_score":-0.0076742445429166155},{"text":"Oh, caddy.","start":219.86,"end":220.52,"sentiment":"neutral","sentiment_score":-0.012884701136499643},{"text":"The caddy?","start":220.98001,"end":221.8,"sentiment":"neutral","sentiment_score":-0.02230572421103716},{"text":"It's c a c a or it's a c q, c h y.","start":224.42,"end":232.365,"sentiment":"neutral","sentiment_score":-0.036171351631100364},{"text":"Oh, no.","start":234.845,"end":235.405,"sentiment":"neutral","sentiment_score":-0.04716089181602001}],"sentiment":"neutral","sentiment_score":-0.029906951780007643,"num_words":22,"start":215.365,"end":235.405},{"sentences":[{"text":"That's a solicitor.","start":235.405,"end":236.46501,"sentiment":"neutral","sentiment_score":-0.058561667799949646},{"text":"Sorry.","start":236.60501,"end":237.10501,"sentiment":"neutral","sentiment_score":-0.053063251078128815},{"text":"Oh, I was giving you I was giving you the solicitor's buddy.","start":240.125,"end":243.345,"sentiment":"neutral","sentiment_score":-0.04544659859190384},{"text":"Circular design.","start":244.205,"end":245.265,"sentiment":"neutral","sentiment_score":-0.025826619938015938},{"text":"Sorry, mate.","start":245.75,"end":246.49,"sentiment":"neutral","sentiment_score":-0.1921592280268669}],"sentiment":"neutral","sentiment_score":-0.06050395667552948,"num_words":20,"start":235.405,"end":246.49},{"sentences":[{"text":"I just confused you completely.","start":247.91,"end":250.01,"sentiment":"negative","sentiment_score":-0.3763781189918518},{"text":"Yeah.","start":252.23,"end":252.73,"sentiment":"neutral","sentiment_score":-0.03685928136110306},{"text":"No.","start":254.87,"end":255.34999,"sentiment":"neutral","sentiment_score":-0.08603456616401672},{"text":"I've I've got I've got your right email address.","start":255.34999,"end":258.07,"sentiment":"neutral","sentiment_score":-0.05203505170842012},{"text":"So so I'm just sending it through the email address just and give you a ring so they'll send it through to 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16.","start":377.31998,"end":378.175,"sentiment":"neutral","sentiment_score":-0.04371671378612518}],"sentiment":"neutral","sentiment_score":0.007298525422811508,"num_words":9,"start":343.21997,"end":378.175},{"sentences":[{"text":"I'll be 60 in September.","start":378.175,"end":380.435,"sentiment":"neutral","sentiment_score":-0.021867385134100914},{"text":"So yeah.","start":380.655,"end":383.63498,"sentiment":"neutral","sentiment_score":-0.06589592061936855},{"text":"Yeah.","start":405.935,"end":406.25497,"sentiment":"neutral","sentiment_score":0.031586918979883194},{"text":"I'm just trying to find it.","start":406.25497,"end":407.875,"sentiment":"neutral","sentiment_score":0.03201707142094771},{"text":"Guess.","start":430.43,"end":430.815,"sentiment":"neutral","sentiment_score":-0.06977926194667816}],"sentiment":"neutral","sentiment_score":-0.005814578756690026,"num_words":15,"start":378.175,"end":430.815},{"sentences":[{"text":"It just started twelve months.","start":430.815,"end":433.875,"sentiment":"neutral","sentiment_score":-0.08504151552915573},{"text":"Not even that, I think.","start":434.415,"end":436.115,"sentiment":"neutral","sentiment_score":-0.1323556512594223},{"text":"Yeah.","start":445.72998,"end":445.97,"sentiment":"neutral","sentiment_score":-0.049947019666433334},{"text":"They do.","start":445.97,"end":446.434,"sentiment":"neutral","sentiment_score":-0.11512095853686333},{"text":"They they they wanna fit a fair whack out of it.","start":446.434,"end":450.22998,"sentiment":"negative","sentiment_score":-0.3919707509604367}],"sentiment":"neutral","sentiment_score":-0.23661887630199394,"num_words":24,"start":430.815,"end":450.22998},{"sentences":[{"text":"I don't understand why.","start":450.37,"end":452.07,"sentiment":"negative","sentiment_score":-0.42299357801675797},{"text":"Because, like, buddy, you you you get you get one step forward and they wanna throw you fucking three steps backwards again.","start":455.72998,"end":463.225,"sentiment":"neutral","sentiment_score":-0.314304496076974},{"text":"Because I was planning on, obviously, getting this bloody payout and investing it for a while to eventually buy a home or just a unit for me to sell.","start":465.20502,"end":478.7,"sentiment":"neutral","sentiment_score":-0.2139519545538672},{"text":"Yeah.","start":480.92,"end":481.42,"sentiment":"neutral","sentiment_score":-0.05815371870994568},{"text":"And that's sort of fucking the odd idea.","start":484.035,"end":486.695,"sentiment":"negative","sentiment_score":-0.6464284583926201}],"sentiment":"neutral","sentiment_score":-0.3131384577136487,"num_words":64,"start":450.37,"end":486.695},{"sentences":[{"text":"So I invest it in a way that I make the most most out of the the money I'll put in.","start":488.43503,"end":493.975,"sentiment":"neutral","sentiment_score":0.21256650735934576},{"text":"Yeah.","start":495.475,"end":495.81,"sentiment":"neutral","sentiment_score":0.06049596145749092},{"text":"Well, I mean, I I deal with you, so Yep.","start":500.85,"end":515.41504,"sentiment":"neutral","sentiment_score":0.02309301048517227},{"text":"Right.","start":518.35504,"end":518.85504,"sentiment":"neutral","sentiment_score":0.23274897038936615},{"text":"Mhmm.","start":526.27,"end":526.77,"sentiment":"neutral","sentiment_score":0.022831466048955917}],"sentiment":"neutral","sentiment_score":0.14737950462628813,"num_words":34,"start":488.43503,"end":526.77},{"sentences":[{"text":"Well, it sounded good.","start":526.91003,"end":527.95,"sentiment":"positive","sentiment_score":0.36268723756074905},{"text":"Let me see if it sounded good now.","start":527.95,"end":530.93,"sentiment":"neutral","sentiment_score":0.13628670293837786},{"text":"Yeah.","start":532.51,"end":533.01,"sentiment":"neutral","sentiment_score":0.004215124994516373},{"text":"Mhmm.","start":538.325,"end":538.825,"sentiment":"neutral","sentiment_score":-0.044252909719944},{"text":"Yeah.","start":553.22003,"end":553.46,"sentiment":"neutral","sentiment_score":-0.10297998785972597}],"sentiment":"neutral","sentiment_score":0.1598683200776577,"num_words":15,"start":526.91003,"end":553.46},{"sentences":[{"text":"And the bugger all left.","start":553.46,"end":554.92004,"sentiment":"neutral","sentiment_score":-0.19125182032585145},{"text":"Well, I went through that.","start":554.98004,"end":556.42004,"sentiment":"neutral","sentiment_score":-0.12034448236227036},{"text":"I went through that when we had the recession last.","start":556.42004,"end":562.275,"sentiment":"neutral","sentiment_score":-0.09595216438174248},{"text":"Well, the time when I think.","start":562.275,"end":568.05505,"sentiment":"neutral","sentiment_score":-0.056981527556975685},{"text":"Where everyone just went down the shit street.","start":569.715,"end":571.97504,"sentiment":"neutral","sentiment_score":-0.10378673765808344}],"sentiment":"neutral","sentiment_score":-0.10852018305483986,"num_words":34,"start":553.46,"end":571.97504},{"sentences":[{"text":"Yeah.","start":586.93,"end":587.43,"sentiment":"neutral","sentiment_score":-0.07905413210391998},{"text":"Well, I was seeing the guy on the o I ING.","start":588.005,"end":590.34503,"sentiment":"neutral","sentiment_score":-0.08894671567461708},{"text":"I think so.","start":594.965,"end":596.025,"sentiment":"neutral","sentiment_score":-0.09167104462782542},{"text":"That's why I was thinking about ING.","start":597.045,"end":598.905,"sentiment":"neutral","sentiment_score":-0.10087233568940844},{"text":"But unless you got a better idea of some other bank or some other place to in, dump it in so you get a higher interest rate on a fixed term for twelve months or something.","start":600.47003,"end":614.025,"sentiment":"neutral","sentiment_score":-0.15621964012583098}],"sentiment":"neutral","sentiment_score":-0.13211197470282687,"num_words":58,"start":586.93,"end":614.025},{"sentences":[{"text":"But, yeah, dodgy.","start":622.80505,"end":623.765,"sentiment":"neutral","sentiment_score":-0.1569642722606659},{"text":"I like.","start":623.765,"end":624.34503,"sentiment":"neutral","sentiment_score":0.13235501945018768},{"text":"Yeah.","start":628.85004,"end":629.35004,"sentiment":"neutral","sentiment_score":-0.05607810616493225},{"text":"What's this needs to be that you're talking about?","start":647.615,"end":650.175,"sentiment":"neutral","sentiment_score":-0.009456264475981394},{"text":"Like, 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bastard.","start":1214.87,"end":1218.0901,"sentiment":"neutral","sentiment_score":-0.05498955212533474}],"sentiment":"neutral","sentiment_score":0.165360419312492,"num_words":16,"start":1205.455,"end":1218.0901},{"sentences":[{"text":"It's overcast.","start":1219.885,"end":1220.705,"sentiment":"neutral","sentiment_score":-0.08626930043101311},{"text":"It's overcast in it's overcast in Chile here.","start":1221.245,"end":1225.105,"sentiment":"neutral","sentiment_score":-0.06566171767190099},{"text":"Yes.","start":1230.045,"end":1230.545,"sentiment":"neutral","sentiment_score":0.027083739638328552},{"text":"Yeah.","start":1231.325,"end":1231.68,"sentiment":"neutral","sentiment_score":0.04792553186416626},{"text":"Yeah.","start":1231.68,"end":1232.18,"sentiment":"neutral","sentiment_score":0.1322041153907776}],"sentiment":"neutral","sentiment_score":-0.03773991964184321,"num_words":13,"start":1219.885,"end":1232.18},{"sentences":[{"text":"Mhmm.","start":1234.7201,"end":1235.2201,"sentiment":"neutral","sentiment_score":0.20737174153327945},{"text":"Oh, well, it's gonna happen.","start":1236.2401,"end":1238.8201,"sentiment":"neutral","sentiment_score":0.03094294499605894},{"text":"Please please where are we living?","start":1239.68,"end":1242.5,"sentiment":"neutral","sentiment_score":0.008550246246159077},{"text":"We still get a a fair whack of sunlight during the days.","start":1242.64,"end":1246.935,"sentiment":"neutral","sentiment_score":0.28313203031818074},{"text":"Oh, here in the fruit bowl, sir.","start":1258.935,"end":1260.875,"sentiment":"neutral","sentiment_score":0.12768548939909255}],"sentiment":"neutral","sentiment_score":0.15176679785814015,"num_words":31,"start":1234.7201,"end":1260.875},{"sentences":[{"text":"Yeah.","start":1266.18,"end":1266.26,"sentiment":"neutral","sentiment_score":0.02109876275062561},{"text":"Yeah.","start":1266.26,"end":1266.42,"sentiment":"neutral","sentiment_score":0.07801122218370438},{"text":"That's what's yeah.","start":1266.42,"end":1267.62,"sentiment":"neutral","sentiment_score":0.15745260814825693},{"text":"It's consistent.","start":1267.62,"end":1268.36,"sentiment":"neutral","sentiment_score":0.20355099439620972},{"text":"It's more so much some there's so many daylight hours compared to other places.","start":1268.5,"end":1275.56,"sentiment":"neutral","sentiment_score":0.09719651937484741}],"sentiment":"neutral","sentiment_score":0.11139624140092305,"num_words":21,"start":1266.18,"end":1275.56},{"sentences":[{"text":"But the equivalent is I went to Queensland as far as I know.","start":1277.195,"end":1282.015,"sentiment":"neutral","sentiment_score":0.08587367030290458},{"text":"Yeah.","start":1283.595,"end":1283.915,"sentiment":"neutral","sentiment_score":0.22590377926826477},{"text":"It's just cold up.","start":1283.915,"end":1285.295,"sentiment":"neutral","sentiment_score":0.2752198837697506},{"text":"It's just don't know this don't know this form.","start":1286.235,"end":1289.135,"sentiment":"neutral","sentiment_score":-0.05243813577625486},{"text":"What's that?","start":1294.5,"end":1295.4,"sentiment":"neutral","sentiment_score":-0.008412802359089255}],"sentiment":"neutral","sentiment_score":0.06739214488208808,"num_words":29,"start":1277.195,"end":1295.4},{"sentences":[{"text":"Strathmerton.","start":1297.78,"end":1298.28,"sentiment":"neutral","sentiment_score":-0.0037296495866030455},{"text":"Strathmerton.","start":1298.8201,"end":1299.3201,"sentiment":"neutral","sentiment_score":-0.001994316466152668},{"text":"Yeah.","start":1301.86,"end":1302.36,"sentiment":"neutral","sentiment_score":-0.011278201825916769},{"text":"Yeah.","start":1303.54,"end":1303.78,"sentiment":"neutral","sentiment_score":-0.004649504087865353},{"text":"I'm just I'm not I'm living in America, which is, oh, no.","start":1303.78,"end":1308.585,"sentiment":"neutral","sentiment_score":-0.06130661287655433}],"sentiment":"neutral","sentiment_score":-0.04733318915532436,"num_words":16,"start":1297.78,"end":1308.585},{"sentences":[{"text":"Fifteen minute drive away from where I was living.","start":1308.585,"end":1311.965,"sentiment":"neutral","sentiment_score":-0.045388066520293556},{"text":"Yeah.","start":1314.745,"end":1315.245,"sentiment":"neutral","sentiment_score":-0.009825702756643295},{"text":"Well, Stratford, it was the well, it's pretty much a dead town.","start":1315.865,"end":1320.86,"sentiment":"neutral","sentiment_score":-0.0621730851319929},{"text":"It's just houses and a few new industrial places.","start":1321.24,"end":1327.1,"sentiment":"neutral","sentiment_score":-0.04389753296143479},{"text":"And we're in America is a town.","start":1327.72,"end":1333.745,"sentiment":"neutral","sentiment_score":-0.028869102842041423}],"sentiment":"neutral","sentiment_score":-0.04635675893606324,"num_words":38,"start":1308.585,"end":1333.745},{"sentences":[{"text":"It's got two supermarkets and two pubs.","start":1334.2051,"end":1339.5851,"sentiment":"neutral","sentiment_score":-0.007361420164150851},{"text":"That's a bit more.","start":1342.4451,"end":1343.5651,"sentiment":"neutral","sentiment_score":-0.06153978640213609},{"text":"Yeah.","start":1343.5651,"end":1344.0651,"sentiment":"neutral","sentiment_score":0.017491884529590607},{"text":"It's not bad.","start":1347.49,"end":1348.5499,"sentiment":"neutral","sentiment_score":0.02996736081937949},{"text":"Where I'm living, it's just the doctor's right behind me.","start":1349.57,"end":1352.87,"sentiment":"neutral","sentiment_score":0.027157247811555863}],"sentiment":"neutral","sentiment_score":0.0032510943338274955,"num_words":25,"start":1334.2051,"end":1352.87},{"sentences":[{"text":"So it's a little little tiny walk tiny walk.","start":1353.89,"end":1356.85,"sentiment":"neutral","sentiment_score":0.03810975928273466},{"text":"There's a chemist right across the road.","start":1356.85,"end":1358.7699,"sentiment":"neutral","sentiment_score":0.08615239337086678},{"text":"We the supermarket's just up the road from me.","start":1358.7699,"end":1361.99,"sentiment":"neutral","sentiment_score":0.0916848447587755},{"text":"But so everything's in walking distance that I know you to go to.","start":1362.5951,"end":1366.135,"sentiment":"neutral","sentiment_score":0.11370663688733028},{"text":"Yeah.","start":1368.435,"end":1368.935,"sentiment":"neutral","sentiment_score":0.13757406175136566}],"sentiment":"neutral","sentiment_score":0.08684560336554661,"num_words":39,"start":1353.89,"end":1368.935},{"sentences":[{"text":"Yep.","start":1372.275,"end":1372.775,"sentiment":"neutral","sentiment_score":0.14648032188415527},{"text":"Yep.","start":1379.09,"end":1379.59,"sentiment":"neutral","sentiment_score":0.11315654963254929},{"text":"Alright.","start":1379.6499,"end":1380.1499,"sentiment":"neutral","sentiment_score":0.3021126389503479},{"text":"Thank you for your time.","start":1382.13,"end":1383.59,"sentiment":"positive","sentiment_score":0.44968332052230836},{"text":"You have good health.","start":1383.73,"end":1385.0299,"sentiment":"neutral","sentiment_score":0.08803196810185909}],"sentiment":"neutral","sentiment_score":0.26352449879050255,"num_words":12,"start":1372.275,"end":1385.0299},{"sentences":[{"text":"Alright.","start":1385.8099,"end":1386.21,"sentiment":"positive","sentiment_score":0.3533172011375427},{"text":"Thank you very much.","start":1386.21,"end":1387.2029,"sentiment":"positive","sentiment_score":0.7063439935445786},{"text":"Alright.","start":1389.8429,"end":1390.3229,"sentiment":"neutral","sentiment_score":0.1944231390953064},{"text":"Bye bye.","start":1390.3229,"end":1390.9829,"sentiment":"neutral","sentiment_score":0.15187308937311172}],"sentiment":"positive","sentiment_score":0.45960781164467335,"num_words":8,"start":1385.8099,"end":1390.9829}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon, Tim. It's Tommy here, mate. How you been?\n\nChannel 1: Good day.\n\nChannel 0: I'm living the dream. It's a beautiful week so far. I'm sorry I missed you a bit earlier.\n\nChannel 1: Yeah. You're in Queensland.\n\nChannel 0: Yeah. Sunny, old Queensland. I mean, it's been a bit on and off. Not gonna lie. They had a bit of road closures with some flash flooding, but that's always the way with the Gold Coast when it sprinkles.\n\nChannel 1: Yeah. Yes. Well, it's getting worse, isn't it? Each year is getting worse than that.\n\nChannel 0: I think so. Like, I think in particular, the last four years, I've noticed a lot of issues on the Gold Coast when it gets to storm season.\n\nChannel 1: Yeah.\n\nChannel 0: Just\n\nChannel 1: And they\n\nChannel 0: road\n\nChannel 1: still\n\nChannel 0: closures\n\nChannel 1: haven't\n\nChannel 0: all the\n\nChannel 1: haven't\n\nChannel 0: time.\n\nChannel 1: fixed the issues. So\n\nChannel 0: No. Give it another forty years. How's everything been going on your end?\n\nChannel 1: yeah. Good now. I finally got I was gonna just go to sign someone all the paperwork for the compensation client.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah. But the thing I'm I'm ringing you about is I wanna hide it from Social Security if there's a possible way to do that.\n\nChannel 0: Oh, do do do do do. Let me check a couple of things. Because the thing is when it comes to the old Centrelink checks, they they look back three years for gifting. You can't gift it. Okay?\n\nThat's the painful\n\nChannel 1: I was thinking\n\nChannel 0: part.\n\nChannel 1: about I was thinking about doing that. Excuse\n\nChannel 0: No. They\n\nChannel 1: me.\n\nChannel 0: they look back for gifting. I think three years, I think it is.\n\nChannel 1: Yep.\n\nChannel 0: There is I'll just quickly double check it for you, but I think the super is not deemed until '67.\n\nChannel 1: Yeah.\n\nChannel 0: So that's one way to do it.\n\nChannel 1: Oh, yeah. Because they get\n\nChannel 0: Hang\n\nChannel 1: with\n\nChannel 0: on.\n\nChannel 1: Social Security wants about, you know, nearly half of it. And it's\n\nChannel 0: They\n\nChannel 1: a\n\nChannel 0: want\n\nChannel 1: fair\n\nChannel 0: nearly\n\nChannel 1: whack.\n\nChannel 0: half of it.\n\nChannel 1: Yeah.\n\nChannel 0: In terms of what, like, back paying benefits or\n\nChannel 1: Yeah. Back to my benefits, but I've never been I've never been on the go that long.\n\nChannel 0: yeah.\n\nChannel 1: Yeah. So I\n\nChannel 0: Which\n\nChannel 1: don't\n\nChannel 0: is\n\nChannel 1: see\n\nChannel 0: a bit\n\nChannel 1: I\n\nChannel 0: strange.\n\nChannel 1: I don't understand where they where they wanna get all this money for.\n\nChannel 0: Have they sent you a letter by any chance? No.\n\nChannel 1: No.\n\nChannel 0: Okay.\n\nChannel 1: The only only information I've got is through me by the lawyer, the solicitor. And\n\nChannel 0: Oh,\n\nChannel 1: that and mister Lester is very vague about it as well.\n\nChannel 0: I'm assuming he hasn't put anything in writing to you that we can have a look at together.\n\nChannel 1: A little bit, but yeah. Yeah. It doesn't really make much sense. I can take a picture of it and email it to you.\n\nChannel 0: Yeah. That'd be good.\n\nChannel 1: Yep. Alright.\n\nChannel 0: Just give me a bit of bit of meat to sink my teeth into. Have you got any of our usual email addresses from previous emails? Yeah.\n\nChannel 1: Yes. Yeah. I think I got a car. What's what's her name?\n\nChannel 0: Sorry,\n\nChannel 1: Kathy.\n\nChannel 0: mate.\n\nChannel 1: Oh, it's Kathy.\n\nChannel 0: Kathy. Kathy. Kathy. Do you have\n\nChannel 1: Oh, caddy.\n\nChannel 0: a\n\nChannel 1: The caddy?\n\nChannel 0: no.\n\nChannel 1: It's\n\nChannel 0: That one\n\nChannel 1: c\n\nChannel 0: might\n\nChannel 1: a c a or it's a c q, c h y.\n\nChannel 0: c\n\nChannel 1: Oh, no.\n\nChannel 0: h\n\nChannel 1: That's a solicitor. Sorry.\n\nChannel 0: four. Are you alright? I think I don't remember a Kathy Beattie.\n\nChannel 1: Oh, I was giving you I was giving you the solicitor's buddy. Circular\n\nChannel 0: That's\n\nChannel 1: design.\n\nChannel 0: alright.\n\nChannel 1: Sorry, mate. I just confused you completely.\n\nChannel 0: No. That's okay.\n\nChannel 1: Yeah. No. I've I've got I've got your right email address. So so I'm just sending it through the email address just and give you a ring so they'll send it through to you.\n\nChannel 0: Yeah. That'd be cool. Which which email address have you got? Because we've got some that we can all access, which are easier, not the individual people in\n\nChannel 1: Okay.\n\nChannel 0: case someone's sick. Like an info or a support or something like that. And, Tim, while you're going through that, mate, do you mind if I ask they just with the work cover claim, is it just a lump sum coming out? Do\n\nChannel 1: Yeah.\n\nChannel 0: you know how much the\n\nChannel 1: It's very roughly a 127.\n\nChannel 0: 120,000. Yeah. Okay. That's a bit tough. The old the gift thing I was talking about is 10,000 in a financial year.\n\nChannel 1: Mhmm.\n\nChannel 0: So that doesn't get you that far. Super\n\nChannel 1: Okay. Alright.\n\nChannel 0: can do a little bit.\n\nChannel 1: Mhmm.\n\nChannel 0: Nonconcessional contributions is $1.20, and concessional, which is like tax deductible, that's up to 30, including anything that any employers would have put in. So there's a bit of wiggle room there, and I know it's not counted before the age pension age unless you're getting an income stream out of it.\n\nChannel 1: Yeah.\n\nChannel 0: But\n\nChannel 1: Well,\n\nChannel 0: I'll be really\n\nChannel 1: nearly\n\nChannel 0: interested\n\nChannel 1: 15.\n\nChannel 0: to know what they're trying to call back. That's\n\nChannel 1: I'll\n\nChannel 0: all.\n\nChannel 1: be 16. I'll be 60 in September. So\n\nChannel 0: Yeah. But\n\nChannel 1: yeah.\n\nChannel 0: age pension age isn't till 67. So, like, it's a it's a decent amount of time for it not to be counted. No. You're right. Even if you are you able to search Oakview and just see what email addresses pop up for that?\n\nChannel 1: Yeah. I'm just trying to find it.\n\nChannel 0: That's okay, mate. No rush at all. And just while you're finding I don't mean to interrupt you a couple of times. I do apologize. But in terms of benefits, do you know when you would have started any benefits with Fendly?\n\nChannel 1: Guess. It just started twelve months. Not even\n\nChannel 0: Yeah.\n\nChannel 1: that, I think.\n\nChannel 0: Because if they want 60, that's quite a bit.\n\nChannel 1: Yeah. They do. They they they wanna fit a fair whack out of it. I don't understand why.\n\nChannel 0: That's why I'm just curious if I can\n\nChannel 1: Because,\n\nChannel 0: read\n\nChannel 1: like,\n\nChannel 0: whatever's\n\nChannel 1: buddy,\n\nChannel 0: been sent\n\nChannel 1: you\n\nChannel 0: to\n\nChannel 1: you\n\nChannel 0: you in writing.\n\nChannel 1: you get you get one step forward and they wanna throw you fucking three steps backwards again. Because I was planning on, obviously, getting this bloody payout and investing it for a while to eventually buy a home or just a unit for me to sell.\n\nChannel 0: Yeah. Okay.\n\nChannel 1: Yeah. And that's sort of fucking the odd idea. So I invest it in a way that I make the most most out of the the money I'll put in. Yeah.\n\nChannel 0: Well, just be careful because we've\n\nChannel 1: Well,\n\nChannel 0: got\n\nChannel 1: I mean,\n\nChannel 0: your\n\nChannel 1: I I\n\nChannel 0: your\n\nChannel 1: deal with you, so\n\nChannel 0: yeah. We can help you with it. I just want to be careful with risk levels because we've got, like, we've got your super in a pretty growth heavy portfolio,\n\nChannel 1: Yep.\n\nChannel 0: and you've got almost a $140 in there. And\n\nChannel 1: Right.\n\nChannel 0: it can get some pretty pretty crazy returns in in a year or two where they go up, you know, 15% kind of\n\nChannel 1: Mhmm.\n\nChannel 0: thing, which is\n\nChannel 1: Well,\n\nChannel 0: pretty good\n\nChannel 1: it sounded\n\nChannel 0: compared\n\nChannel 1: good. Let\n\nChannel 0: to\n\nChannel 1: me\n\nChannel 0: the bank.\n\nChannel 1: see if it sounded good now.\n\nChannel 0: Yeah. But\n\nChannel 1: Yeah.\n\nChannel 0: because we've got you in, like, a growth portfolio, that's a four out of five on the risk\n\nChannel 1: Mhmm.\n\nChannel 0: scale, 80% shares and property. So it's one of those things where I don't want you to put a 120 in for argument's sake, and then you've got two sixty, and then all of a sudden the stock market crashes and you've got one seventy.\n\nChannel 1: Yeah. And the bugger all left. Well, I went through that. I went through that when we had the recession last. Well,\n\nChannel 0: So the COVID one or the GFC?\n\nChannel 1: the time when I think. Where everyone just went down the shit street.\n\nChannel 0: So there's yeah. There's flex like, you can we can change it, make it a little bit little bit less risky. But even, like, the savings rates are pretty good in the banks these days. I I know it's\n\nChannel 1: Yeah.\n\nChannel 0: a pain when it comes\n\nChannel 1: Well, I was seeing\n\nChannel 0: to\n\nChannel 1: the\n\nChannel 0: Social\n\nChannel 1: guy on the o I\n\nChannel 0: Security.\n\nChannel 1: ING.\n\nChannel 0: Yeah. What are they paying now? Like, 6%?\n\nChannel 1: I think so. That's why I was thinking about ING. But unless you got a better idea of some other bank or some other place to in, dump it in so you get a higher interest rate on a fixed term for twelve months or something.\n\nChannel 0: Let me have a quick look. There's a couple out there. I'm just gonna bring up my\n\nChannel 1: But,\n\nChannel 0: old\n\nChannel 1: yeah,\n\nChannel 0: cheat\n\nChannel 1: dodgy.\n\nChannel 0: sheet\n\nChannel 1: I like.\n\nChannel 0: here. No. No. Like, between you know, you've got the the major banks. Right?\n\nChannel 1: Yeah.\n\nChannel 0: I know, like, credit unions tend to have slightly higher rates than the banks. I know ING sitting at about 5.85%. You've got credit funds, which is similar to a term deposit. What\n\nChannel 1: What's\n\nChannel 0: do they\n\nChannel 1: this\n\nChannel 0: pay at\n\nChannel 1: needs\n\nChannel 0: the moment?\n\nChannel 1: to\n\nChannel 0: Six\n\nChannel 1: be that\n\nChannel 0: point\n\nChannel 1: you're\n\nChannel 0: five.\n\nChannel 1: talking about? Like, loans. You you have you're investing you're putting money into a loan.\n\nChannel 0: Oh, yeah. No.\n\nChannel 1: But first\n\nChannel 0: I'd steer\n\nChannel 1: up,\n\nChannel 0: away from those.\n\nChannel 1: I saw something on bloody You YouTube about it last night\n\nChannel 0: Like\n\nChannel 1: on the\n\nChannel 0: a peer to peer lending thing. Yeah.\n\nChannel 1: yeah.\n\nChannel 0: So the the one that's higher than a bank that I normally look at,\n\nChannel 1: Mhmm.\n\nChannel 0: there's this Latrobe Credit Fund, and they pay 6.5% instead of 5.85.\n\nChannel 1: Yeah.\n\nChannel 0: But it's not insured by the government, and the government\n\nChannel 1: Right.\n\nChannel 0: ensures\n\nChannel 1: So\n\nChannel 0: a term\n\nChannel 1: it's\n\nChannel 0: deposit\n\nChannel 1: not\n\nChannel 0: up to\n\nChannel 1: yeah.\n\nChannel 0: $200.\n\nChannel 1: So it's not\n\nChannel 0: Yeah.\n\nChannel 1: as safe.\n\nChannel 0: For\n\nChannel 1: Yep.\n\nChannel 0: the extra 0.65%, having it insured by the government up to $200 is a bit better.\n\nChannel 1: It's the worst world. Yeah.\n\nChannel 0: Yeah. If it was a full percent extra, maybe, but an extra\n\nChannel 1: Mhmm.\n\nChannel 0: half a percent for it not to be insured is kind of not really worth it.\n\nChannel 1: Yeah. It's a bit not worse of worse of all the risk.\n\nChannel 0: Exactly right. Like, if that company goes belly up and then you don't get the money back.\n\nChannel 1: Yeah. Mhmm.\n\nChannel 0: So I\n\nChannel 1: So\n\nChannel 0: reckon it'd be\n\nChannel 1: if\n\nChannel 0: between\n\nChannel 1: I say\n\nChannel 0: ING\n\nChannel 1: I decide\n\nChannel 0: and.\n\nChannel 1: say I wanna go with with ONT, can you organize all that\n\nChannel 0: You'd\n\nChannel 1: forms?\n\nChannel 0: be better\n\nChannel 1: Or\n\nChannel 0: off going direct\n\nChannel 1: do I\n\nChannel 0: with them.\n\nChannel 1: need to do do I need to just get do it myself?\n\nChannel 0: It'll be much easier to go direct with them because as\n\nChannel 1: Yep.\n\nChannel 0: long as you can give them all your ID, these\n\nChannel 1: Mhmm.\n\nChannel 0: online applications are pretty quick these days.\n\nChannel 1: Yep.\n\nChannel 0: And if I try and find some forms and post them out, it'll take twice as long.\n\nChannel 1: Yeah. I'm fucking over formed.\n\nChannel 0: So, yeah, I reckon it'll be a bit of a toss-up between, like, an ING or a bit in the super as well.\n\nChannel 1: Yeah.\n\nChannel 0: But I'll have to look at just reducing the risk level down a little bit. But the thing is I don't wanna I don't want you to take on a lot of risk where you could lose, like, a third of it, right, to get an extra one or 2% return.\n\nChannel 1: Yeah. Yeah. Service. What do you suggest? Put $20.20 say $20 or something in your super?\n\nChannel 0: Well, that's what I'm sort of thinking is, like, you you could put a bid in. And if\n\nChannel 1: Yep.\n\nChannel 0: you want us to adjust the risk level, we can. But if you want to keep a smaller\n\nChannel 1: No. It\n\nChannel 0: amount\n\nChannel 1: seems to\n\nChannel 0: in\n\nChannel 1: me\n\nChannel 0: the\n\nChannel 1: it said\n\nChannel 0: growth\n\nChannel 1: it\n\nChannel 0: stuff\n\nChannel 1: sounds like it's working well at the moment.\n\nChannel 0: And then the rest of it in term deposit\n\nChannel 1: Yeah.\n\nChannel 0: or something\n\nChannel 1: You\n\nChannel 0: might\n\nChannel 1: know,\n\nChannel 0: be\n\nChannel 1: I\n\nChannel 0: a good\n\nChannel 1: enjoy\n\nChannel 0: idea.\n\nChannel 1: it.\n\nChannel 0: And then the only other thing I wanna look at is, yeah, if you can get me that info from the solicitor\n\nChannel 1: Yeah.\n\nChannel 0: about the\n\nChannel 1: Yeah. Work\n\nChannel 0: Social\n\nChannel 1: out why why that what are we gonna do?\n\nChannel 0: Security. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Do\n\nChannel 1: Because\n\nChannel 0: you have\n\nChannel 1: it sounded\n\nChannel 0: all of\n\nChannel 1: a\n\nChannel 0: the\n\nChannel 1: bit it sounded\n\nChannel 0: details?\n\nChannel 1: a bit unfair\n\nChannel 0: Yeah.\n\nChannel 1: what\n\nChannel 0: It's\n\nChannel 1: they're gonna do.\n\nChannel 0: there's got to be some sort of rhyme or reason behind it because unless it's one of those things where they're like, oh, you've been on benefits for twelve months, and now you've gotten this income back pay, so everything you've received for twelve months. But that wouldn't be 60,000. Hopefully, a lot less than that.\n\nChannel 1: No. Yeah. It's less than me pay. Well,\n\nChannel 0: Yeah.\n\nChannel 1: it's more\n\nChannel 0: Yep.\n\nChannel 1: more than me more than me yearly yearly wage that I was getting when I was working full time.\n\nChannel 0: Yeah. And what what benefits did you not going on? Was it disability or job seeker?\n\nChannel 1: I'm on at the moment, I'm just on JobSeeker. I'm waiting to go on to disability\n\nChannel 0: Long wait times for that, I'm assuming.\n\nChannel 1: pension. Oh, they won?\n\nChannel 0: I'm assuming there's some long wait times for those to try and get on to that.\n\nChannel 1: Yeah. See, it's first. I don't know how long I've been waiting so far. They've they've got all my paperwork. I've got all those and all those, buddy.\n\nMedical records.\n\nChannel 0: You'd be building\n\nChannel 1: Maybe\n\nChannel 0: your own log cabin with the amount of paper you've had to go through, mate.\n\nChannel 1: pretty much. If I've molt they've molted it down, I could let make little logs out of it.\n\nChannel 0: Oh, jeez.\n\nChannel 1: Well, the woman I gave it to, Social Security, she was surprised that they'd be the ham how detailed all my bloody paperwork. Normally,\n\nChannel 0: Yeah.\n\nChannel 1: she said they don't see it like that. Yes. So at the moment, I'm just waiting for that. Yeah. Well,\n\nChannel 0: K.\n\nChannel 1: I'll organize this email for you.\n\nChannel 0: Yeah. That'd be a good first step just so we can just keep an eye on it before we do anything.\n\nChannel 1: Yeah.\n\nChannel 0: And are you okay for for you to just sort of email you back with a bit of info? We'll obviously try and call you, but\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: if\n\nChannel 1: Whenever.\n\nChannel 0: that works.\n\nChannel 1: Yeah. You can do that. It says that you you can't read me sometimes. The phone\n\nChannel 0: Yeah.\n\nChannel 1: call doesn't get me.\n\nChannel 0: I've got the thing where every time it calls, it doesn't ring through, and then it says\n\nChannel 1: Yeah.\n\nChannel 0: voice message full. Can't leave a voice mail, so I just text you straight afterwards. But I'd I'd love to be able to kind of reach you rather than getting you to call back in every time.\n\nChannel 1: Oh, it doesn't matter as long as I ring you.\n\nChannel 0: Yeah. No. That's cool.\n\nChannel 1: Well, we're\n\nChannel 0: Look.\n\nChannel 1: getting\n\nChannel 0: Happy\n\nChannel 1: caught\n\nChannel 0: to\n\nChannel 1: talking\n\nChannel 0: do so.\n\nChannel 1: with each\n\nChannel 0: But\n\nChannel 1: other. It's better than nothing.\n\nChannel 0: and did you manage to find that email from the solicitor by any chance?\n\nChannel 1: No. All I said is look I'm gonna go through with me, type of work.\n\nChannel 0: Cool. What I might do just in case is I will text you through our best email.\n\nChannel 1: Okay.\n\nChannel 0: And then if you can just email it to that, I can have a look at it with Larissa and and see if we can spot anything. Look. A\n\nChannel 1: Mhmm.\n\nChannel 0: lot of the times, there's not much can be done. But if\n\nChannel 1: Yeah.\n\nChannel 0: we spot anything, we'll definitely give you some info if we have any.\n\nChannel 1: Okay.\n\nChannel 0: Okay.\n\nChannel 1: Alright. Well, thank you so far for your information.\n\nChannel 0: You're most welcome, sir. Anytime at all.\n\nChannel 1: No problem.\n\nChannel 0: Alrighty. Mate, I'll keep an eye out for the email. I will be off in a in a little bit to go grab the kids, but I'll probably have a little look see at it probably tomorrow or Wednesday at the latest.\n\nChannel 1: Yeah. That's fine. I'll have to dig around with it tonight. I gotta do a paperwork because I don't want any wife to solicit this. Oh, they get witnesses and everything tomorrow to someone.\n\nDocuments.\n\nChannel 0: Yeah. Okay. That works out pretty good then.\n\nChannel 1: Yeah. It's a pain in the ass, like, the witnesses and shit.\n\nChannel 0: It's a bit of a runaround, it sounds like.\n\nChannel 1: Oh, it is. It's fucking horrible. I was\n\nChannel 0: Alright.\n\nChannel 1: bad enough\n\nChannel 0: So,\n\nChannel 1: with this\n\nChannel 0: yeah, well,\n\nChannel 1: stupor.\n\nChannel 0: between\n\nChannel 1: It always get me.\n\nChannel 0: the insurance and the super and the solicitors\n\nChannel 1: Yeah.\n\nChannel 0: and the work covers, there are quite a few things I have to try and go through.\n\nChannel 1: Yeah. I haven't been able to walk. So\n\nChannel 0: Can I ask you as well just as a bit of a final question there? With the\n\nChannel 1: mhmm.\n\nChannel 0: work cover,\n\nChannel 1: Yes.\n\nChannel 0: do you need to access any of the 120,000 for living expenses or you okay cash flow wise?\n\nChannel 1: Dodge Racing Subaru Super.\n\nChannel 0: I just mean any of the funds that you're about to get or just got from work cover. Do you need any of that set aside that's not locked away?\n\nChannel 1: Probably, I would like to probably only let's say $20.20 25,000, maybe. Not much. Maybe less. Even $10.10 before.\n\nChannel 0: Yeah. So somewhere\n\nChannel 1: Yeah.\n\nChannel 0: between 10 and 25,000 to stay as, like,\n\nChannel 1: Yeah.\n\nChannel 0: liquid cash.\n\nChannel 1: Yep.\n\nChannel 0: And you're thinking maybe 20 into the super, and then anything outside of that, lock it away for a term deposit.\n\nChannel 1: Yep.\n\nChannel 0: Balance side of Social Security. Just making a couple of notes on the account there. Cool. Alright. Well, I'll keep an eye out for that email over the next couple of days.\n\nChannel 1: Oh,\n\nChannel 0: I've\n\nChannel 1: yeah?\n\nChannel 0: just noted this down so we've got a bit of an idea of what the plan looks like,\n\nChannel 1: Mhmm.\n\nChannel 0: And then I'll see if I can give you any info from there. If there's nothing else to be done, we'll just let you kind of do the transactions. And if you\n\nChannel 1: Yep.\n\nChannel 0: need any help with, you know, payment details or anything like that, we can help you there as well.\n\nChannel 1: Yep. Alright.\n\nChannel 0: Cool, mate. Any questions for me before I let you go?\n\nChannel 1: Okay. No. That's about it. I'll just ring you\n\nChannel 0: Okay.\n\nChannel 1: in on it. I've got if I've got any issues, I'll ring you\n\nChannel 0: Yep. No worries.\n\nChannel 1: and talk to someone.\n\nChannel 0: Yeah. Look. Just,\n\nChannel 1: Yep.\n\nChannel 0: again, talk to whoever can help at the time.\n\nChannel 1: Talk\n\nChannel 0: If\n\nChannel 1: to hell\n\nChannel 0: someone's\n\nChannel 1: about the time.\n\nChannel 0: unavailable, we'll we'll just get it booked in, or\n\nChannel 1: Yep.\n\nChannel 0: we'll call you back when we've got a spare spare time slot.\n\nChannel 1: Okay. That's\n\nChannel 0: Alrighty,\n\nChannel 1: good.\n\nChannel 0: Tim.\n\nChannel 1: Thank you very much.\n\nChannel 0: You're most welcome, mate. I will talk to you later in the week.\n\nChannel 1: Alright. Don't sun yourself in the sun you bastard.\n\nChannel 0: Actually,\n\nChannel 1: It's overcast.\n\nChannel 0: none of the cloud has come back.\n\nChannel 1: It's\n\nChannel 0: The cloud has\n\nChannel 1: overcast\n\nChannel 0: come back already.\n\nChannel 1: in it's overcast in Chile here.\n\nChannel 0: Yeah. Right. We're we're just about to hit winter, aren't we?\n\nChannel 1: Yes. Yeah. Yeah.\n\nChannel 0: Good fun. I'll I'll\n\nChannel 1: Mhmm.\n\nChannel 0: enjoy the last couple days of\n\nChannel 1: Oh,\n\nChannel 0: sun.\n\nChannel 1: well, it's gonna happen.\n\nChannel 0: Yeah.\n\nChannel 1: Please\n\nChannel 0: Happens\n\nChannel 1: please\n\nChannel 0: every year.\n\nChannel 1: where are we living? We still get a a fair whack of sunlight during the days.\n\nChannel 0: That's pretty good for I mean, the thing with Victoria is it tends to you can chop and change on a dime, can't it?\n\nChannel 1: Oh, here in the fruit bowl, sir.\n\nChannel 0: Oh, yeah? Bit more consistent there or a bit more\n\nChannel 1: Yeah.\n\nChannel 0: chopping?\n\nChannel 1: Yeah. That's what's yeah. It's consistent.\n\nChannel 0: Yeah.\n\nChannel 1: It's more so much some there's so many daylight hours compared to other places. But the equivalent is I went to Queensland as far as I know.\n\nChannel 0: Cool.\n\nChannel 1: Yeah.\n\nChannel 0: That\n\nChannel 1: It's\n\nChannel 0: means you\n\nChannel 1: just\n\nChannel 0: got\n\nChannel 1: cold\n\nChannel 0: a good\n\nChannel 1: up.\n\nChannel 0: price.\n\nChannel 1: It's just don't know this don't know this form.\n\nChannel 0: Well, are you still in was it Strathminton? Or was\n\nChannel 1: What's\n\nChannel 0: it\n\nChannel 1: that?\n\nChannel 0: Strathminton or is it Namerica?\n\nChannel 1: Strathmerton. Strathmerton.\n\nChannel 0: Strathmerton. Sorry.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Strathminton.\n\nChannel 1: I'm just I'm not I'm living in America, which is, oh, no. Fifteen minute drive away from where I was living.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: Yeah. Well, Stratford, it was the well, it's pretty much a dead town. It's just houses and a few\n\nChannel 0: Yeah.\n\nChannel 1: new industrial places. And we're in America is a town. It's got two supermarkets and two pubs.\n\nChannel 0: It looks a bit little bit\n\nChannel 1: That's\n\nChannel 0: chillier\n\nChannel 1: a bit\n\nChannel 0: there.\n\nChannel 1: more. Yeah. It's not bad. Where I'm living, it's just the doctor's right behind me. So it's a little\n\nChannel 0: At least\n\nChannel 1: little\n\nChannel 0: it's not that\n\nChannel 1: tiny\n\nChannel 0: far.\n\nChannel 1: walk tiny walk. There's a chemist right across the road. We the supermarket's just up the road from me. But so everything's in walking distance that I know you to go to.\n\nChannel 0: That's handy.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Alright, mate. Well, if there's anything you need, again, yeah, just call, text, email, and\n\nChannel 1: Yep. Alright.\n\nChannel 0: thank you for your time today.\n\nChannel 1: Thank you for your time. You have\n\nChannel 0: No\n\nChannel 1: good\n\nChannel 0: worries\n\nChannel 1: health.\n\nChannel 0: at all.\n\nChannel 1: Alright.\n\nChannel 0: Always\n\nChannel 1: Thank you\n\nChannel 0: try,\n\nChannel 1: very\n\nChannel 0: mate.\n\nChannel 1: much.\n\nChannel 0: Alright, Tim. I'll talk to you later in the week, mate.\n\nChannel 1: Alright. Bye bye.\n\nChannel 0: Gotcha. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Tim.","start":1.1999999,"end":2.24,"sentiment":"neutral","sentiment_score":0.2719198763370514},{"text":"It's Tommy here, mate.","start":2.24,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.2003045789897442},{"text":"How you been?","start":3.1999998,"end":4.02,"sentiment":"neutral","sentiment_score":0.14912871023019156}],"sentiment":"neutral","sentiment_score":0.20643640756607057,"channel":0,"num_words":10,"start":1.1999999,"end":4.02},{"sentences":[{"text":"Good day.","start":4.7999997,"end":5.62,"sentiment":"positive","sentiment_score":0.4702427089214325}],"sentiment":"positive","sentiment_score":0.4702427089214325,"channel":1,"num_words":2,"start":4.7999997,"end":5.62},{"sentences":[{"text":"I'm living the dream.","start":6.24,"end":7.2,"sentiment":"positive","sentiment_score":0.6816432625055313},{"text":"It's a beautiful week so far.","start":7.2,"end":8.88,"sentiment":"positive","sentiment_score":0.7506375710169474},{"text":"I'm sorry I missed you a bit earlier.","start":8.88,"end":10.42,"sentiment":"neutral","sentiment_score":-0.09123262204229832}],"sentiment":"positive","sentiment_score":0.3611409722103013,"channel":0,"num_words":18,"start":6.24,"end":10.42},{"sentences":[{"text":"Yeah.","start":10.96,"end":11.04,"sentiment":"neutral","sentiment_score":-0.010660791769623756},{"text":"You're in Queensland.","start":11.04,"end":12.0199995,"sentiment":"neutral","sentiment_score":-0.011733457756539186}],"sentiment":"neutral","sentiment_score":-0.011465291259810328,"channel":1,"num_words":4,"start":10.96,"end":12.0199995},{"sentences":[{"text":"Yeah.","start":13.8550005,"end":14.095,"sentiment":"neutral","sentiment_score":0.008128545247018337},{"text":"Sunny, old Queensland.","start":14.095,"end":14.975,"sentiment":"neutral","sentiment_score":-0.013023748062551022},{"text":"I mean, it's been a bit on and off.","start":14.975,"end":16.655,"sentiment":"neutral","sentiment_score":-0.05251085592640771},{"text":"Not gonna lie.","start":16.655,"end":17.295,"sentiment":"neutral","sentiment_score":-0.08957705398400624},{"text":"They had a bit of road closures with some flash flooding, but that's always the way with the Gold Coast when it sprinkles.","start":17.295,"end":22.115,"sentiment":"neutral","sentiment_score":-0.16568974146376486}],"sentiment":"neutral","sentiment_score":-0.11751629789479268,"channel":0,"num_words":39,"start":13.8550005,"end":22.115},{"sentences":[{"text":"Yeah.","start":22.575,"end":22.654999,"sentiment":"neutral","sentiment_score":-0.038578033447265625},{"text":"Yes.","start":22.654999,"end":23.154999,"sentiment":"neutral","sentiment_score":-0.03481663390994072},{"text":"Well, it's getting worse, isn't it?","start":24.335,"end":25.86,"sentiment":"neutral","sentiment_score":-0.20726975550254187},{"text":"Each year is getting worse than that.","start":27.380001,"end":29.560001,"sentiment":"negative","sentiment_score":-0.37561191831316265}],"sentiment":"neutral","sentiment_score":-0.2630864419043064,"channel":1,"num_words":15,"start":22.575,"end":29.560001},{"sentences":[{"text":"I think so.","start":29.87,"end":30.67,"sentiment":"neutral","sentiment_score":-0.2390970140695572},{"text":"Like, I think in particular, the last four years, I've noticed a lot of issues on the Gold Coast when it gets to storm season.","start":30.67,"end":37.89,"sentiment":"neutral","sentiment_score":-0.21857305228710175}],"sentiment":"neutral","sentiment_score":-0.22077204819236482,"channel":0,"num_words":28,"start":29.87,"end":37.89},{"sentences":[{"text":"Yeah.","start":38.1,"end":38.42,"sentiment":"neutral","sentiment_score":-0.10206566751003264}],"sentiment":"neutral","sentiment_score":-0.10206566751003264,"channel":1,"num_words":1,"start":38.1,"end":38.42},{"sentences":[{"text":"Just","start":38.135002,"end":38.635002,"sentiment":"neutral","sentiment_score":-0.09644874185323717}],"sentiment":"neutral","sentiment_score":-0.09644874185323717,"channel":0,"num_words":1,"start":38.135002,"end":38.635002},{"sentences":[{"text":"And they","start":38.42,"end":38.82,"sentiment":"neutral","sentiment_score":-0.14950839430093765}],"sentiment":"neutral","sentiment_score":-0.14950839430093765,"channel":1,"num_words":2,"start":38.42,"end":38.82},{"sentences":[{"text":"road","start":38.775,"end":39.095,"sentiment":"neutral","sentiment_score":-0.13001903891563416}],"sentiment":"neutral","sentiment_score":-0.13001903891563416,"channel":0,"num_words":1,"start":38.775,"end":39.095},{"sentences":[{"text":"still","start":38.82,"end":39.14,"sentiment":"neutral","sentiment_score":-0.20506884157657623}],"sentiment":"neutral","sentiment_score":-0.20506884157657623,"channel":1,"num_words":1,"start":38.82,"end":39.14},{"sentences":[{"text":"closures","start":39.095,"end":39.575,"sentiment":"neutral","sentiment_score":-0.26386189460754395}],"sentiment":"neutral","sentiment_score":-0.26386189460754395,"channel":0,"num_words":1,"start":39.095,"end":39.575},{"sentences":[{"text":"haven't","start":39.14,"end":39.64,"sentiment":"neutral","sentiment_score":-0.2332617938518524}],"sentiment":"neutral","sentiment_score":-0.2332617938518524,"channel":1,"num_words":1,"start":39.14,"end":39.64},{"sentences":[{"text":"all the","start":39.575,"end":39.895,"sentiment":"neutral","sentiment_score":-0.21235089749097824}],"sentiment":"neutral","sentiment_score":-0.21235089749097824,"channel":0,"num_words":2,"start":39.575,"end":39.895},{"sentences":[{"text":"haven't","start":39.86,"end":40.36,"sentiment":"neutral","sentiment_score":-0.18752506375312805}],"sentiment":"neutral","sentiment_score":-0.18752506375312805,"channel":1,"num_words":1,"start":39.86,"end":40.36},{"sentences":[{"text":"time.","start":39.895,"end":40.395,"sentiment":"neutral","sentiment_score":-0.20969673991203308}],"sentiment":"neutral","sentiment_score":-0.20969673991203308,"channel":0,"num_words":1,"start":39.895,"end":40.395},{"sentences":[{"text":"fixed the issues.","start":40.42,"end":41.4,"sentiment":"neutral","sentiment_score":-0.24441936612129211},{"text":"So","start":41.415,"end":41.915,"sentiment":"neutral","sentiment_score":-0.1973896771669388}],"sentiment":"neutral","sentiment_score":-0.23266194388270378,"channel":1,"num_words":4,"start":40.42,"end":41.915},{"sentences":[{"text":"No.","start":42.695,"end":42.935,"sentiment":"negative","sentiment_score":-0.410764753818512},{"text":"Give it another forty years.","start":42.935,"end":44.395,"sentiment":"negative","sentiment_score":-0.38782995343208315},{"text":"How's everything been going on your end?","start":48.215,"end":49.995,"sentiment":"neutral","sentiment_score":-0.05485823803714344}],"sentiment":"neutral","sentiment_score":-0.21030170671068704,"channel":0,"num_words":13,"start":42.695,"end":49.995},{"sentences":[{"text":"yeah.","start":50.615,"end":50.935,"sentiment":"neutral","sentiment_score":0.0006818026304244995},{"text":"Good now.","start":50.935,"end":51.415,"sentiment":"neutral","sentiment_score":0.11569231748580933},{"text":"I finally got I was gonna just go to sign someone all the paperwork for the compensation client.","start":51.415,"end":60.239998,"sentiment":"neutral","sentiment_score":0.07089621014893055}],"sentiment":"neutral","sentiment_score":0.0718189628706092,"channel":1,"num_words":21,"start":50.615,"end":60.239998},{"sentences":[{"text":"Yeah.","start":60.87,"end":61.11,"sentiment":"neutral","sentiment_score":0.006828553043305874},{"text":"Yeah.","start":61.11,"end":61.61,"sentiment":"neutral","sentiment_score":-0.0011565517634153366}],"sentiment":"neutral","sentiment_score":0.0028360006399452686,"channel":0,"num_words":2,"start":60.87,"end":61.61},{"sentences":[{"text":"Yeah.","start":62.219997,"end":62.62,"sentiment":"neutral","sentiment_score":-0.012656924314796925},{"text":"But the thing I'm I'm ringing you about is I wanna hide it from Social Security if there's a possible way to do that.","start":62.62,"end":72.765,"sentiment":"neutral","sentiment_score":-0.11995079647749662}],"sentiment":"neutral","sentiment_score":-0.11565904159098864,"channel":1,"num_words":25,"start":62.219997,"end":72.765},{"sentences":[{"text":"Oh, do do do do do.","start":73.525,"end":77.13,"sentiment":"neutral","sentiment_score":-0.03323663926372925},{"text":"Let me check a couple of things.","start":77.13,"end":80.17,"sentiment":"neutral","sentiment_score":-0.0230504966207913},{"text":"Because the thing is when it comes to the old Centrelink checks, they they look back three years for gifting.","start":80.17,"end":87.63,"sentiment":"neutral","sentiment_score":-0.09642197452485561},{"text":"You can't gift it.","start":87.895004,"end":90.215004,"sentiment":"neutral","sentiment_score":-0.17835576087236404},{"text":"Okay?","start":90.215004,"end":90.715004,"sentiment":"neutral","sentiment_score":-0.14265447854995728}],"sentiment":"neutral","sentiment_score":-0.08277079801222212,"channel":0,"num_words":38,"start":73.525,"end":90.715004},{"sentences":[{"text":"That's the painful","start":91.815,"end":93.255,"sentiment":"neutral","sentiment_score":-0.31473373373349506}],"sentiment":"neutral","sentiment_score":-0.31473373373349506,"channel":0,"num_words":3,"start":91.815,"end":93.255},{"sentences":[{"text":"I was thinking","start":92.91,"end":93.630005,"sentiment":"neutral","sentiment_score":-0.30302323897679645}],"sentiment":"neutral","sentiment_score":-0.30302323897679645,"channel":1,"num_words":3,"start":92.91,"end":93.630005},{"sentences":[{"text":"part.","start":93.255,"end":93.755,"sentiment":"neutral","sentiment_score":-0.26038309931755066}],"sentiment":"neutral","sentiment_score":-0.26038309931755066,"channel":0,"num_words":1,"start":93.255,"end":93.755},{"sentences":[{"text":"about I was thinking about doing that.","start":93.630005,"end":96.130005,"sentiment":"neutral","sentiment_score":-0.16597345364945276},{"text":"Excuse","start":97.645004,"end":98.145004,"sentiment":"neutral","sentiment_score":-0.08747909218072891}],"sentiment":"neutral","sentiment_score":-0.15616165846586227,"channel":1,"num_words":8,"start":93.630005,"end":98.145004},{"sentences":[{"text":"No.","start":97.815,"end":98.055,"sentiment":"neutral","sentiment_score":-0.13065776228904724},{"text":"They","start":98.055,"end":98.555,"sentiment":"neutral","sentiment_score":-0.1262415647506714}],"sentiment":"neutral","sentiment_score":-0.12844966351985931,"channel":0,"num_words":2,"start":97.815,"end":98.555},{"sentences":[{"text":"me.","start":98.205,"end":98.705,"sentiment":"neutral","sentiment_score":-0.11042579263448717}],"sentiment":"neutral","sentiment_score":-0.11042579263448717,"channel":1,"num_words":1,"start":98.205,"end":98.705},{"sentences":[{"text":"they look back for 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And then if you can just email it to that, I can have a look at it with Larissa and and see if we can spot anything. Look.","start_word":2448,"end_word":2492,"intents":[{"intent":"Request email","confidence_score":0.0037495457}]},{"text":"we spot anything, we'll definitely give you some info if we have any. Okay. Okay. Alright.","start_word":2508,"end_word":2523,"intents":[{"intent":"Confirm information","confidence_score":0.004492297}]},{"text":"I gotta do a paperwork because I don't want any wife to solicit this.","start_word":2594,"end_word":2607,"intents":[{"intent":"Discuss paperwork","confidence_score":0.16039212}]},{"text":"do you need to access any of the 120,000 for living expenses or you okay cash flow wise? Dodge Racing Subaru Super.","start_word":2724,"end_word":2745,"intents":[{"intent":"Ask about cash flow","confidence_score":0.08186881}]},{"text":"I just mean any of the funds that you're about to get or just got from work cover. Do you need any of that set aside that's not locked away?","start_word":2746,"end_word":2775,"intents":[{"intent":"Ask about fund allocation","confidence_score":0.01081293}]},{"text":"just noted this down so we've got a bit of an idea of what the plan looks like, Mhmm. And then I'll see if I can give you any info from there. If there's nothing else to be done, we'll just let you kind of do the transactions. And if you Yep. need any help with, you know, payment details or anything like that, we can help you there as well. Yep.","start_word":2868,"end_word":2939,"intents":[{"intent":"Verify plan and details","confidence_score":0.0002715336}]},{"text":"If there's nothing else to be done, we'll just let you kind of do the transactions. And if you Yep. need any help with, you know, payment details or anything like that, we can help you there as well. Yep.","start_word":2900,"end_word":2939,"intents":[{"intent":"Discuss transactions and assistance with payment details","confidence_score":0.001129239}]},{"text":"Well, are you still in was it Strathminton? Or was What's it that?","start_word":3232,"end_word":3244,"intents":[{"intent":"Identify location","confidence_score":0.009149818},{"intent":"Confirm location","confidence_score":0.27173507},{"intent":"Clarify location","confidence_score":0.110684246},{"intent":"Explain strathminton location","confidence_score":0.00046293932},{"intent":"Confirm strathminton location","confidence_score":0.00024509124}]}]},"sentiments":{"segments":[{"text":"Good afternoon, Tim. It's Tommy here, mate. How you been?","start_word":0,"end_word":9,"sentiment":"neutral","sentiment_score":0.2092326134443283},{"text":"Good day. I'm living the dream. It's a beautiful week so far.","start_word":10,"end_word":21,"sentiment":"positive","sentiment_score":0.6843522191047668},{"text":"I'm sorry I missed you a bit earlier. Yeah. You're in Queensland. Yeah. Sunny, old Queensland. I mean, it's been a bit on and off. Not gonna lie. They had a bit of road closures with some flash flooding, but that's always the way with the Gold Coast when it sprinkles. Yeah. Yes. Well, it's getting worse, isn't it?","start_word":22,"end_word":80,"sentiment":"neutral","sentiment_score":-0.10699895024299622},{"text":"Each year is getting worse than that.","start_word":81,"end_word":87,"sentiment":"negative","sentiment_score":-0.3782501816749573},{"text":"I think so. Like, I think in particular, the last four years, I've noticed a lot of issues on the Gold Coast when it gets to storm season. Yeah. Just And they road still closures haven't all the haven't time. fixed the issues.","start_word":88,"end_word":130,"sentiment":"neutral","sentiment_score":-0.21087773144245148},{"text":"So No. Give it another forty years.","start_word":131,"end_word":137,"sentiment":"negative","sentiment_score":-0.3687469959259033},{"text":"How's everything been going on your end? yeah. Good now. I finally got I was gonna just go to sign someone all the paperwork for the compensation client. Yeah. Yeah. Yeah. But the thing I'm I'm ringing you about is I wanna hide it from Social Security if there's a possible way to do that. Oh, do do do do do. Let me check a couple of things. Because the thing is when it comes to the old Centrelink checks, they they look back three years for gifting. You can't gift it. Okay? That's the painful I was thinking part. about I was thinking about doing that. Excuse No. They me. they look back for gifting. I think three years, I think it is. Yep. There is I'll just quickly double check it for you, but I think the super is not deemed until '67. Yeah. So that's one way to do it. Oh, yeah. Because they get Hang with on. Social Security wants about, you know, nearly half of it. And it's They a want fair nearly whack. half of it. Yeah. In terms of what, like, back paying benefits or Yeah. Back to my benefits, but I've never been I've never been on the go that long. yeah. Yeah. So I Which don't is see a bit I strange.","start_word":138,"end_word":358,"sentiment":"neutral","sentiment_score":-0.09640169268414985},{"text":"I don't understand where they where they wanna get all this money for.","start_word":359,"end_word":371,"sentiment":"negative","sentiment_score":-0.42191341519355774},{"text":"Have they sent you a letter by any chance? No. No. Okay. The only only information I've got is through me by the lawyer, the solicitor. And Oh, that and mister Lester is very vague about it as well. I'm assuming he hasn't put anything in writing to you that we can have a look at together. A little bit, but yeah. Yeah. It doesn't really make much sense. I can take a picture of it and email it to you. Yeah.","start_word":372,"end_word":453,"sentiment":"neutral","sentiment_score":-0.13438665866851807},{"text":"That'd be good.","start_word":454,"end_word":456,"sentiment":"positive","sentiment_score":0.3592429757118225},{"text":"Yep. Alright. Just give me a bit of bit of meat to sink my teeth into. Have you got any of our usual email addresses from previous emails? Yeah. Yes. Yeah. I think I got a car. What's what's her name? Sorry, Kathy. mate. Oh, it's Kathy. Kathy. Kathy. Kathy. Do you have Oh, caddy. a The caddy? no. It's That one c might a c a or it's a c q, c h y. c Oh, no. h That's a solicitor. Sorry. four. Are you alright? I think I don't remember a Kathy Beattie. Oh, I was giving you I was giving you the solicitor's buddy. Circular That's design. alright. Sorry, mate.","start_word":457,"end_word":569,"sentiment":"neutral","sentiment_score":-0.023783337324857712},{"text":"I just confused you completely.","start_word":570,"end_word":574,"sentiment":"negative","sentiment_score":-0.36672401428222656},{"text":"No. That's okay. Yeah. No. I've I've got I've got your right email address. So so I'm just sending it through the email address just and give you a ring so they'll send it through to you. Yeah. That'd be cool. Which which email address have you got? Because we've got some that we can all access, which are easier, not the individual people in Okay. case someone's sick. Like an info or a support or something like that. And, Tim, while you're going through that, mate, do you mind if I ask they just with the work cover claim, is it just a lump sum coming out? Do Yeah. you know how much the It's very roughly a 127. 120,000. Yeah. Okay.","start_word":575,"end_word":697,"sentiment":"neutral","sentiment_score":0.02051797328039822},{"text":"That's a bit tough.","start_word":698,"end_word":701,"sentiment":"negative","sentiment_score":-0.3624054193496704},{"text":"The old the gift thing I was talking about is 10,000 in a financial year. Mhmm. So that doesn't get you that far.","start_word":702,"end_word":724,"sentiment":"neutral","sentiment_score":-0.18192312121391296},{"text":"Super Okay. Alright.","start_word":725,"end_word":727,"sentiment":"positive","sentiment_score":0.34835171699523926},{"text":"can do a little bit. Mhmm. Nonconcessional contributions is $1.20, and concessional, which is like tax deductible, that's up to 30, including anything that any employers would have put in. So there's a bit of wiggle room there, and I know it's not counted before the age pension age unless you're getting an income stream out of it. Yeah. But Well, I'll be really nearly interested 15. to know what they're trying to call back. That's I'll all. be 16. I'll be 60 in September. So Yeah. But yeah. age pension age isn't till 67. So, like, it's a it's a decent amount of time for it not to be counted. No. You're right. Even if you are you able to search Oakview and just see what email addresses pop up for that? Yeah. I'm just trying to find it. That's okay, mate. No rush at all. And just while you're finding I don't mean to interrupt you a couple of times. I do apologize. But in terms of benefits, do you know when you would have started any benefits with Fendly? Guess. It just started twelve months. Not even Yeah. that, I think. Because if they want 60, that's quite a bit. Yeah. They do.","start_word":728,"end_word":933,"sentiment":"neutral","sentiment_score":-0.05711922794580459},{"text":"They they they wanna fit a fair whack out of it. I don't understand why.","start_word":934,"end_word":948,"sentiment":"negative","sentiment_score":-0.4066343307495117},{"text":"That's why I'm just curious if I can Because, read like, whatever's buddy, been sent you to you you in writing.","start_word":949,"end_word":969,"sentiment":"neutral","sentiment_score":-0.1478208750486374},{"text":"you get you get one step forward and they wanna throw you fucking three steps backwards again.","start_word":970,"end_word":986,"sentiment":"negative","sentiment_score":-0.4150862395763397},{"text":"Because I was planning on, obviously, getting this bloody payout and investing it for a while to eventually buy a home or just a unit for me to sell. Yeah. Okay. Yeah.","start_word":987,"end_word":1018,"sentiment":"neutral","sentiment_score":-0.18818381428718567},{"text":"And that's sort of fucking the odd idea.","start_word":1019,"end_word":1026,"sentiment":"negative","sentiment_score":-0.673512876033783},{"text":"So I invest it in a way that I make the most most out of the the money I'll put in. Yeah. Well, just be careful because we've Well, got I mean, your I I your deal with you, so yeah. We can help you with it. I just want to be careful with risk levels because we've got, like, we've got your super in a pretty growth heavy portfolio, Yep. and you've got almost a $140 in there. And Right. it can get some pretty pretty crazy returns in in a year or two where they go up, you know, 15% kind of Mhmm. thing, which is Well, pretty good it sounded compared good. Let to me the bank. see if it sounded good now. Yeah. But Yeah. because we've got you in, like, a growth portfolio, that's a four out of five on the risk Mhmm. scale, 80% shares and property. So it's one of those things where I don't want you to put a 120 in for argument's sake, and then you've got two sixty, and then all of a sudden the stock market crashes and you've got one seventy. Yeah. And the bugger all left. Well, I went through that. I went through that when we had the recession last. Well, So the COVID one or the GFC? the time when I think. Where everyone just went down the shit street. So there's yeah. There's flex like, you can we can change it, make it a little bit little bit less risky. But even, like, the savings rates are pretty good in the banks these days. I I know it's Yeah. a pain when it comes Well, I was seeing to the Social guy on the o I Security. ING. Yeah. What are they paying now? Like, 6%? I think so. That's why I was thinking about ING. But unless you got a better idea of some other bank or some other place to in, dump it in so you get a higher interest rate on a fixed term for twelve months or something. Let me have a quick look. There's a couple out there. I'm just gonna bring up my But, old yeah, cheat dodgy. sheet I like. here. No. No. Like, between you know, you've got the the major banks. Right? Yeah. I know, like, credit unions tend to have slightly higher rates than the banks. I know ING sitting at about 5.85%. You've got credit funds, which is similar to a term deposit. What What's do they this pay at needs the moment? to Six be that point you're five. talking about? Like, loans. You you have you're investing you're putting money into a loan. Oh, yeah. No. But first I'd steer up, away from those. I saw something on bloody You YouTube about it last night Like on the a peer to peer lending thing. Yeah. yeah. So the the one that's higher than a bank that I normally look at, Mhmm. there's this Latrobe Credit Fund, and they pay 6.5% instead of 5.85. Yeah. But it's not insured by the government, and the government Right. ensures So a term it's deposit not up to yeah. $200. So it's not Yeah. as safe. For Yep. the extra 0.65%, having it insured by the government up to $200 is a bit better.","start_word":1027,"end_word":1585,"sentiment":"neutral","sentiment_score":-0.029700582170582416},{"text":"It's the worst world.","start_word":1586,"end_word":1589,"sentiment":"negative","sentiment_score":-0.6038930416107178},{"text":"Yeah. Yeah.","start_word":1590,"end_word":1591,"sentiment":"neutral","sentiment_score":-0.28496378660202026},{"text":"If it was a full percent extra, maybe, but an extra Mhmm. half a percent for it not to be insured is kind of not really worth it. Yeah. It's a bit not worse of worse of all the risk. Exactly right. Like, if that company goes belly up and then you don't get the money back.","start_word":1592,"end_word":1648,"sentiment":"negative","sentiment_score":-0.5071730017662048},{"text":"Yeah. Mhmm. So I So reckon it'd be if between I say ING I decide and. say I wanna go with with ONT, can you organize all that You'd forms? be better Or off going direct do I with them. need to do do I need to just get do it myself? It'll be much easier to go direct with them because as Yep. long as you can give them all your ID, these Mhmm. online applications are pretty quick these days. Yep.","start_word":1649,"end_word":1731,"sentiment":"neutral","sentiment_score":0.04582512006163597},{"text":"And if I try and find some forms and post them out, it'll take twice as long. Yeah. I'm fucking over formed. So, yeah, I reckon it'll be a bit of a toss-up between, like, an ING or a bit in the super as well.","start_word":1732,"end_word":1776,"sentiment":"negative","sentiment_score":-0.4197145998477936},{"text":"Yeah. But I'll have to look at just reducing the risk level down a little bit. But the thing is I don't wanna I don't want you to take on a lot of risk where you could lose, like, a third of it, right, to get an extra one or 2% return. Yeah. Yeah. Service. What do you suggest? Put $20.20 say $20 or something in your super? Well, that's what I'm sort of thinking is, like, you you could put a bid in. And if Yep. you want us to adjust the risk level, we can. But if you want to keep a smaller No. It amount seems to in me the it said growth it stuff sounds like it's working well at the moment. And then the rest of it in term deposit Yeah. or something You might know, be I a good enjoy idea. it. And then the only other thing I wanna look at is, yeah, if you can get me that info from the solicitor Yeah. about the Yeah. Work Social out why why that what are we gonna do? Security. Yeah. Yeah. Do Because you have it sounded all of a the bit it sounded details? a bit unfair Yeah. what It's they're gonna do. there's got to be some sort of rhyme or reason behind it because unless it's one of those things where they're like, oh, you've been on benefits for twelve months, and now you've gotten this income back pay, so everything you've received for twelve months. But that wouldn't be 60,000. Hopefully, a lot less than that. No. Yeah. It's less than me pay. Well, Yeah. it's more Yep. more than me more than me yearly yearly wage that I was getting when I was working full time. Yeah. And what what benefits did you not going on? Was it disability or job seeker? I'm on at the moment, I'm just on JobSeeker. I'm waiting to go on to disability Long wait times for that, I'm assuming. pension. Oh, they won? I'm assuming there's some long wait times for those to try and get on to that. Yeah. See, it's first. I don't know how long I've been waiting so far. They've they've got all my paperwork. I've got all those and all those, buddy. Medical records. You'd be building Maybe your own log cabin with the amount of paper you've had to go through, mate. pretty much. If I've molt they've molted it down, I could let make little logs out of it. Oh, jeez.","start_word":1777,"end_word":2202,"sentiment":"neutral","sentiment_score":-0.06721249002386147},{"text":"Well, the woman I gave it to, Social Security, she was surprised that they'd be the ham how detailed all my bloody paperwork.","start_word":2203,"end_word":2225,"sentiment":"negative","sentiment_score":-0.3721526563167572},{"text":"Normally, Yeah.","start_word":2226,"end_word":2227,"sentiment":"neutral","sentiment_score":-0.15044750273227692},{"text":"she said they don't see it like that.","start_word":2228,"end_word":2235,"sentiment":"negative","sentiment_score":-0.34578752517700195},{"text":"Yes. So at the moment, I'm just waiting for that. Yeah. Well, K. I'll organize this email for you. Yeah. That'd be a good first step just so we can just keep an eye on it before we do anything. Yeah. And are you okay for for you to just sort of email you back with a bit of info? We'll obviously try and call you, but Yeah. Yeah. Yeah. if Whenever. that works. Yeah. You can do that. It says that you you can't read me sometimes. The phone Yeah. call doesn't get me. I've got the thing where every time it calls, it doesn't ring through, and then it says Yeah. voice message full. Can't leave a voice mail, so I just text you straight afterwards. But I'd I'd love to be able to kind of reach you rather than getting you to call back in every time. Oh, it doesn't matter as long as I ring you. Yeah. No. That's cool. Well, we're Look. getting Happy caught to talking do so. with each But other. It's better than nothing. and did you manage to find that email from the solicitor by any chance? No. All I said is look I'm gonna go through with me, type of work.","start_word":2236,"end_word":2446,"sentiment":"neutral","sentiment_score":0.07534618598024992},{"text":"Cool.","start_word":2447,"end_word":2447,"sentiment":"positive","sentiment_score":0.3890224695205689},{"text":"What I might do just in case is I will text you through our best email. Okay. And then if you can just email it to that, I can have a look at it with Larissa and and see if we can spot anything. Look. A Mhmm. lot of the times, there's not much can be done. But if Yeah. we spot anything, we'll definitely give you some info if we have any. Okay. Okay. Alright.","start_word":2448,"end_word":2523,"sentiment":"neutral","sentiment_score":0.07490941882133484},{"text":"Well, thank you so far for your information. You're most welcome, sir.","start_word":2524,"end_word":2535,"sentiment":"positive","sentiment_score":0.5173653960227966},{"text":"Anytime at all. No problem. Alrighty. Mate, I'll keep an eye out for the email. I will be off in a in a little bit to go grab the kids, but I'll probably have a little look see at it probably tomorrow or Wednesday at the latest. Yeah. That's fine. I'll have to dig around with it tonight. I gotta do a paperwork because I don't want any wife to solicit this. Oh, they get witnesses and everything tomorrow to someone. Documents. Yeah. Okay. That works out pretty good then. Yeah.","start_word":2536,"end_word":2626,"sentiment":"neutral","sentiment_score":0.06435421854257584},{"text":"It's a pain in the ass, like, the witnesses and shit. It's a bit of a runaround, it sounds like. Oh, it is. It's fucking horrible.","start_word":2627,"end_word":2652,"sentiment":"negative","sentiment_score":-0.42763030529022217},{"text":"I was Alright. bad enough So, with this yeah, well, stupor. between It always get me. the insurance and the super and the solicitors Yeah. and the work covers, there are quite a few things I have to try and go through. Yeah. I haven't been able to walk. So Can I ask you as well just as a bit of a final question there? With the mhmm. work cover, Yes. do you need to access any of the 120,000 for living expenses or you okay cash flow wise? Dodge Racing Subaru Super. I just mean any of the funds that you're about to get or just got from work cover. Do you need any of that set aside that's not locked away? Probably, I would like to probably only let's say $20.20 25,000, maybe. Not much. Maybe less. Even $10.10 before. Yeah. So somewhere Yeah. between 10 and 25,000 to stay as, like, Yeah. liquid cash. Yep. And you're thinking maybe 20 into the super, and then anything outside of that, lock it away for a term deposit. Yep. Balance side of Social Security. Just making a couple of notes on the account there.","start_word":2653,"end_word":2847,"sentiment":"neutral","sentiment_score":-0.03904687597965583},{"text":"Cool.","start_word":2848,"end_word":2848,"sentiment":"positive","sentiment_score":0.36793363094329834},{"text":"Alright. Well, I'll keep an eye out for that email over the next couple of days. Oh, I've yeah? just noted this down so we've got a bit of an idea of what the plan looks like, Mhmm. And then I'll see if I can give you any info from there. If there's nothing else to be done, we'll just let you kind of do the transactions. And if you Yep. need any help with, you know, payment details or anything like that, we can help you there as well. Yep. Alright.","start_word":2849,"end_word":2940,"sentiment":"neutral","sentiment_score":0.15390053391456604},{"text":"Cool, mate.","start_word":2941,"end_word":2942,"sentiment":"positive","sentiment_score":0.4001103341579437},{"text":"Any questions for me before I let you go? Okay. No. That's about it. I'll just ring you Okay. in on it. I've got if I've got any issues, I'll ring you Yep. No worries. and talk to someone. Yeah. Look. Just, Yep. again, talk to whoever can help at the time. Talk If to hell someone's about the time. unavailable, we'll we'll just get it booked in, or Yep. we'll call you back when we've got a spare spare time slot. Okay. That's Alrighty, good.","start_word":2943,"end_word":3028,"sentiment":"neutral","sentiment_score":0.03803525120019913},{"text":"Tim. Thank you very much. You're most welcome, mate.","start_word":3029,"end_word":3037,"sentiment":"positive","sentiment_score":0.5042040348052979},{"text":"I will talk to you later in the week. Alright. Don't sun yourself in the sun you bastard. Actually, It's overcast. none of the cloud has come back. It's The cloud has overcast come back already. in it's overcast in Chile here. Yeah. Right. We're we're just about to hit winter, aren't we? Yes. Yeah. Yeah.","start_word":3038,"end_word":3093,"sentiment":"neutral","sentiment_score":-0.01738572120666504},{"text":"Good fun.","start_word":3094,"end_word":3095,"sentiment":"positive","sentiment_score":0.39627760648727417},{"text":"I'll I'll Mhmm. enjoy the last couple days of Oh, sun. well, it's gonna happen. Yeah. Please Happens please every year. where are we living? We still get a a fair whack of sunlight during the days.","start_word":3096,"end_word":3132,"sentiment":"neutral","sentiment_score":0.15957838619077527},{"text":"That's pretty good for I mean, the thing with Victoria is it tends to you can chop and change on a dime, can't it?","start_word":3133,"end_word":3156,"sentiment":"positive","sentiment_score":0.3860505819320678},{"text":"Oh, here in the fruit bowl, sir. Oh, yeah? Bit more consistent there or a bit more Yeah. chopping? Yeah. That's what's yeah. It's consistent. Yeah. It's more so much some there's so many daylight hours compared to other places. But the equivalent is I went to Queensland as far as I know. Cool. Yeah.","start_word":3157,"end_word":3211,"sentiment":"neutral","sentiment_score":0.1080964133143425},{"text":"That means It's you just got a cold good price.","start_word":3212,"end_word":3221,"sentiment":"positive","sentiment_score":0.3347078263759613},{"text":"up. It's just don't know this don't know this form. Well, are you still in was it Strathminton? Or was What's it that? Strathminton or is it Namerica? Strathmerton. Strathmerton. Strathmerton. Sorry. Yeah. Yeah. Strathminton. I'm just I'm not I'm living in America, which is, oh, no. Fifteen minute drive away from where I was living. Yeah. Yep. Yeah. Well, Stratford, it was the well, it's pretty much a dead town. It's just houses and a few Yeah. new industrial places. And we're in America is a town. It's got two supermarkets and two pubs. It looks a bit little bit That's chillier a bit there. more. Yeah. It's not bad. Where I'm living, it's just the doctor's right behind me. So it's a little At least little it's not that tiny far. walk tiny walk. There's a chemist right across the road. We the supermarket's just up the road from me. But so everything's in walking distance that I know you to go to. That's handy. Yeah. Yep. Alright, mate. Well, if there's anything you need, again, yeah, just call, text, email, and Yep. Alright.","start_word":3222,"end_word":3407,"sentiment":"neutral","sentiment_score":0.021808233112096783},{"text":"thank you for your time today. Thank you for your time.","start_word":3408,"end_word":3418,"sentiment":"positive","sentiment_score":0.46600672602653503},{"text":"You have No good worries health. at all.","start_word":3419,"end_word":3426,"sentiment":"neutral","sentiment_score":0.09859509952366352},{"text":"Alright. Always Thank you try, very mate. much.","start_word":3427,"end_word":3434,"sentiment":"positive","sentiment_score":0.5917302966117859},{"text":"Alright, Tim. I'll talk to you later in the week, mate. Alright. Bye bye. Gotcha. Bye.","start_word":3435,"end_word":3450,"sentiment":"neutral","sentiment_score":0.219035804271698}],"average":{"sentiment":"neutral","sentiment_score":-0.03173465900324171}}}}