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Is now still a good time for you? Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay? Yep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. Perfect. That's exactly what I have here. How's your day been so far? I've been busy? Yeah. Oh, well, that's good. And now I do have you booked in here for a bit of a a insurance review to see if we could reassess that for you. And then, also, your your annual review is kind of up now as well. So if you're happy to do so, I'll kind of go through both of that today, if that's okay. Yeah. Perfect. Now we can start with insurances if you want, and I can see here that it's now kind of in that five year mark, so we can reassess insurances for you. Yep. Perfect. Now last time when we looked at, obviously, your one pass insurances, so, I'll go back through all the insurance and see which one is going to be the best for you. So after the call, if you're happy to do so, I will transfer you over to my colleague, Kayden, who will just kind of run through a bit of an updated pre assessment just so we have up to date information. I will then send it out to all the insurers out there just to see if OnePath is still the best one or which one is going to be the most competitive for you. And then I'll kind of put together that research and recommendation for you. Now when it comes to the different type of cover, so last time, we were kind of looking at your life and your total permanent disability insurance, and the amount we were looking at was around 390,000. Now if we kind of revisit the amount and stuff like that, are you happy with the same amount? Have anything changed? Would you like to kind of revisit and see what's going to be appropriate for you today? Keep it about the same. Yep. And just to confirm, because that was basically to cover a bit of funeral expenses and then also cover it was loss of income. We calculated about 45,000 at the time after tax for ten years and then kind of offset your super balance from it, and that gave us that $3.90. So you're quite happy with that? Okay. Yeah. What is it at the moment? Okay. Perfect. So about 52 and 53. Okay. Perfect. And you still kind of wanna factor in about 20,000 for funeral expenses in the calculation as well? Yep. Okay. Perfect. And, otherwise, kind of, you're happy to looking at replacing your income for about ten years if something were to happen to you and you were to pass away. Yep. Okay. Perfect. And you would like to offset your super balance again from that amount? Because if something were to happen to you, your super would be paid up to your beneficiaries as well, or do you want that as, like, a separate one? It would just mean that there's more money for your for your family. No. Well, I can always start by looking to not offsetting it, so give give the family a little bit more. And then if it is quite expensive, then we can always kind of rein it back. Yes? Okay. Perfect. Now with total permanent disability, we were kind of looking at the same amount for the same purposes. Is that still aligning with you? You're still happy with that? Yep. Yep. Great. Perfect. Now we were also looking at an income protection. So income protection is obviously to cover your loss of income if you are temporarily unable to work. Now I can see here as well that you've had a bit of a change to your occupation. Are you still doing the same thing? It's just that you're an employee now, not a subcontractor. Yeah. Okay. Yeah. Yep. Oh, perfect. But, otherwise, doing the same roles and everything like that. Yep. Okay. Yes. Correct. Yeah. Yep. And it's also, you know, if you do have an illness or injury that prevents you to going back for work. So even if, you know, something happens on the weekend or whenever and you do get, like, an illness or injury and can't go back for a while, it's also covered there. Whereas your your work cover wouldn't. That would only be something were to happen when you're at work. So the income protection, yeah, would give you a bit more. So with the income protection, the way that it works as well is that can cover up to 70% of your income. So with your income as well, because it's kind of for the true now I will check with the insurance. If you're doing same things and it's quite consistent, some of them are happy to cover both income, but I will just have to check with the insurer. So do you have the breakdown of, like, how much you would do from your business and then how much you would typically earn. Mhmm. Mhmm. Yep. Mhmm. Mhmm. Okay. Yeah. Okay. Yeah. Because it is quite if it comes to claim time, that's why sorry. The specific question. Sorry. Just to kind of recapping. So for your for your friend, if you earn about $1,000 before tax per week, would that be about that $752,000 a year before tax? Does that sound pretty reasonable? Yeah. Roughly done? Okay. Because the way that the income protection work is that they assess your income come claim time. So let's say if I insure you for the 52,000 from your from where you are employed, and then let's say we add a bit extra from your self employed business, Okay. Okay. Would you say because with the income protection specialist, you are self employed, they will most likely ask for payslips or just documents to prove the income. So as long as we have that yep. Okay. Okay. Okay. Okay. So if if it comes through it, you would have kind of documentation to prove that combined income would be around the 50,000, or would you say 52? Yeah. Yeah. Okay. Yep. Okay. Mhmm. Mhmm. Because as well, yeah, how it works so, obviously, if you do have the the documents to prove it, that's great because the insurance will probably ask that for your income protection. So, obviously, we wanna make sure that it it match. But then also that, you know, if we were to say let's say calculate at 52,000, for example, and then something, let's say, would've happened in a year's time and you need to go on claim, they would only pay you 70% of your income at that time. So if at that time your income is, let's say, 35, then you're only gonna get covered for 70% of 35 even though you're paying for more. Does that make sense? So that is a that's kind of why I do want at least a bit of, a bit kind of certainty. It doesn't have to be exact because then, also, obviously, your income might increase and stuff like that. And, again, they kind of go the other way. So if we insure you for, let's say, 50,000 and in two years' time, your income is a 100,000 and you need to go on claim, again, it's only 70% of the 50,000 because that's the only amount we've insured. Does Does that make sense? Yeah. So so do you think rough roughly, if we work with about 50,000, do you think that would be okay. Mhmm. Okay. At the the year the year before last? Because sometimes they ask for payslips for, like, three years. The year before. Mhmm. Okay. And and do you remember, like, the year before that? Okay. Okay. Mhmm. Yeah. Okay. Yeah. Yeah. Yeah. Yeah. Yeah. No. Definitely. Well, it pretty it sounds pretty much that we we if you are happy to do so, if it does vary between that 47 and 52, if you wanted to do the 50 as kind of like a a middle, then we can start there, and we can always change it and reassess it, obviously, depending your health, obviously, how things change for you. Yep. Okay. Perfect. Now with income protection as well, you can have different waiting and benefit period. So the waiting period is how long you have to wait until you can start claiming on the policy. Now last time, we were looking about a thirty date waiting, which is typically your shortest one, and most policies are then also paid thirty days in arrears. So that means that typically you wait about two months before that that income protection will kick in. Do you think you could last longer financially without the income, or do you think that would be pretty tight? Tight? Okay. Yeah. Okay. So my yeah. Yep. Okay. Maybe we'll leave it at that 30 then if you're happy with that and see how much Yeah. Okay. Yeah. Now there are some that pay fifteen days in arrears, so a little bit shorter. So I'll factor that in as well and see if we can find whatever is gonna be the shortest for you. I'll factor that. Yeah. Yeah. But no. Yeah. No. Perfect. I'll have a look at that for you. Now the other thing is then your benefit period. So how long you can be on claim if something were to happen. Now we can look at two years, five years, all the way up to the age of 65. Obviously, age 65 is the most expensive, but also the most comprehensive. Last time, we were looking at kind of that middle ground of five years. What are your thoughts now? Probably about the same? Okay. Perfect. Around five years. You prefer to have from within your superannuation so you don't have to pay for them out of pocket? Yes. Yep. Yes. So the, like, the cost for that. Yep. From super. Now while we are through Exactly. Yes. Now with that as well, because, obviously, it's from your income. So in order for me to be able to kind of do a bit of a, I guess, a review of your super as well while we're kind of doing everything, with the contributions, so, obviously, the job when you are now an employee, you will get paid the minimum at least 12% contributions into superannuation. So for me to kind of calculate that for you, again, it is tricky because you don't really know your income. If it's about 50,000 combined, how much do you think of that would come from your from your from your job? Would you say, like, 30,000? Would you say a bit more around the 40 thousand from from when you are employee? Yeah. Yeah. Sure. Yeah. Oh, perfect. Mhmm. Okay. Perfect. From in contributions. Mhmm. Mhmm. That's good. Okay. Yeah. Okay. Yeah. Because if last yeah. So if it so if if you said last year, it was 67, the year before 60 three, Mhmm. Mhmm. Yep. No. That's okay. Take your time. No. That's okay. Mhmm. Yep. Okay. Perfect. And that's just from at that business, that's not when you are doing your mhmm. Okay. Yes. Mhmm. Mhmm. Mhmm. Yep. Perfect. That's okay. It's good we get the, you know, correct information for especially with insurances. Yep. Mhmm. Yep. Mhmm. Yep. Yep. So pretty pretty similar. Yep. Yep. Yep. Yep. I can do all of that. Yeah. Take 11% off that. I'll write it down, and then I can do all of the back end so you don't have to worry about it. Yeah. Yep. Yep. Yep. Yep. Yep. Perfect. And that includes the GST as well? Yep. Yep. Perfect. So from the business. Yep. Yep. Yep. Yes. Yeah. Yeah. Yeah. Exactly. Okay. Well, that gives me a bit more, I guess, clarity on the figures. So I will kind of count that, and I'll obviously, you said your income for this year would be little bit reduced, obviously, because you are now employed. So yeah. Yeah. Yeah. Yeah. Mhmm. Yeah. Yeah. Yeah. Exactly. Yeah. Okay. Well, I will work with these numbers and do that. And, obviously, he will pay the regular contributions into super for you as well now when you're employed, which is good, which will obviously change that. So it is good. I'll review your super a little bit as well, obviously, with that because there's been some changes with that. But aside from that, you are not making any contributions yourself from your business. It's just no. Okay. Yeah. Yep. Oh, yeah. Yep. Yeah. And we can we can definitely have a look at that for you. When when you get to that point, just let us know, and we can always, you know, run the numbers and and do that calculation and everything for you just to see that's all kind of aligning. So with a little yeah. Yep. No. That's alright. Yep. So I'll have a little review of that for you. Now just quickly back to insurances. I do wanna just triple check as well. Last time, you said that you didn't wanna look at trauma insurance because you have to pay for that out of pocket to cover you for traumatic events. Is that still the case? It's not really something you're interested in looking at right now? Yeah. So trauma, it's yeah. So it is a bit different through income protection and PPD because you don't have to prove that you are unable to go back to work. So how it's different is, like, for for example, let's say you have a heart attack and you end up in hospital, you will then be paid out a a tax free lump sum directly to your back pocket through assist. So that if if you wanna take some time off work or if you need a loved one to come and assist, or if you have any medical bills and stuff like that that's not covered, that's when this insurance policy come in pretty handy because you don't have to meet those conditions of proving that you can't work. As long as you get that diagnosis and it's on the the forms, then you are able to get the policy paid out. So it is one that you probably probably receive gets claimed on the most because you don't have to meet those definitions, but it is different. It's not income replacement or anything like that. It is just to cover you for traumatic effect. But it is a policy you have to pay for out of pocket because you can't have an inside super. Yeah. Happy to leave it for now or Yep. Yep. Okay. Perfect. Now, otherwise, I do wanna just quickly run through a bit of an updated fact find to see if there's anything else that's changed so I can prepare this all for you. Now I do have here next of Ken Aaron. Is that still the case? Yep. Perfect. And I do have here that you have two financial dependents, and then your partner has three as well. Yep. Perfect. I've updated all your employment details. Asset wise, I have here your property loss was valued at about 600,000. Yes. Perfect. And it was about 240,000 owing, roughly? Yes. Is that still the case, do you think? I am. Okay. Perfect. So that's $2.80. I do ask yeah. Oh, yeah. Definitely. You're doing good. I also have here that you have a motor vehicle ride at about 3,000. Yep. But you don't have anything owing on that one? Not No. Not perfect. Yeah. Great. I do also have here savings in the bank was about 45,000. Yeah. Does that still roughly sound about the same? Oh, perfect. About 52. Typically, you I do have another one here that you also had a separate saving account with your partner for about 20,000. That's sales. You've got the 52. Yeah. K. K. Yeah. Yeah. Yeah. Yeah. Any other assets, any other motor vehicles, or anything else? Else? Nope. Yep. Yep. Perfect. Any other liabilities, like personal loans or credit card or SIP pay? No? Yep. And how much Okay. Perfect. Anything else? No? Okay. Yeah. Okay. Perfect. No. That's good. And you've never been declared bankrupt or been under a part nine debt agreement? No. Great. Perfect. And are you still a nonsmoker? Yep. Great. And having a bit of a look at estate planning, do you have a will in place at all or a power of attorney? No. Let me see here. And you don't have anyone else who makes, you know, financial decisions on your behalf? No. Perfect. And are you politically involved at all or earn any any income overseas? Nope. Alright. Perfect. That's good. Let's see here. Now, obviously, aside from reviewing your insurances and stuff like that, is there any other goals that you are working towards in the next, you know, couple of years or so aside from, I think, last time you mentioned your focus is just to kind of grow the business and just kind of focus on paying down the mortgage. Is there anything else that you were kind of, you know, working towards? Yeah? Oh, nice. Mhmm. Yes. Yeah. Yep. Perfect. And I do wanna just confirm as well. So with your super nominations, I have Audrey and Ollie about 50 percent. That's still correct? Yeah. Great. Perfect. Now with your super as well, so I'll have a little bit of review of your superannuation. Now I'm looking at your account at the moment. And is that something you keep an eye on every now and then? Mhmm. Yeah. Now at the moment, you do have about $96,475 in your hub 24. And I do wanna check as well, do you still have Prime Super as well? I think last time we spoke, there was about 10,000 or so in Prime Super. Super. No. Okay. So what I might do as well, just so I can do some research and see if there's still money in there, and then hopefully get that consolidated for you, Is that I will yeah. Yeah. Now yeah. Sorry. I'll do that for you. Now the process for me to do that research is a little bit tedious because Prime Trooper needs a wet science, a paper science, third party authority for me to do that research. So what I'm going to do is I'm going to express post that to you. I will include a return envelope as well. If you could just sign that as soon as you get it, return it through me. As soon as I have that back, I'll send that off to Prime Super, and that will allow me to do that research for you and then get everything, you know, hopefully consolidated and sorted. Yep. Perfect. Yeah. So keep a lookout for that in the post. I will get the team to send that out to you either today or tomorrow. And then, obviously, just depending on Australia post, how long that takes. Now part of, obviously, reviewing your super as well is I do wanna have a bit of a review of your investment. Some of the investments have done really well, but there's been one that's kind of underperformed a little bit that I would like to look at potentially changing through something better. So one of your investment, which is the Benelung Australian Equity Fund, when you came on board, it was doing really, really well. It was that one that's kind of your active management component. But lately, it's of underperformed a little bit. And one of the biggest reason is that one of the investments that they have in their funds is Corporate Travel Group, and they were suspended for trading because that reporting didn't really add up. So they were suspended from trading, which meant that their their stock price and everything kind of went down. So it is something I do wanna review for you because we wanna make sure that at all times, we have you in the best options possible. And, obviously, the markets and things are always always changing. So it is important to keep reviewing it and, you know, swapping and changing investments if we need to to make sure they continue to do really well. So I'll do that research for you as well just to make sure if we can, you know, improve that a little bit for you and and have a have a look. And I'm not sure if you've had a look at our recent newsletter at all. Is that something you kind of read every now and then? Or Not really. Yeah. Yeah. Yeah. So yeah. So with the with Anita, I was going to say as well. So I'll I'll research options for you to kinda change the investment. But I do wanted to check with you as well because we have recently merged with BlackRock, which is one of the biggest investment managers. You may have heard of them. They no. No. That's okay. They are quite big, and we've kind of joined forces with their investment committee and created something that's called an SMA. It stands for a self managed account. Still within your super and investment, but it works a little bit differently. The the way that we currently have you structured, which is like a model portfolio, is that when you look into hub twenty four, you will see each and every single one of your investments. And if we want to change one, so for example, now when we wanna potentially look at changing the Benelon, I would have to and do the research for you, put everything in a document, most of my compliance point, and to make sure you are happy, present it to you, and then you have to let me know if you're okay with it. The way that the SMA works is they kind of takes away that that side of it in that you are invested in a portfolio. So it would just be like a name of a portfolio. Still have kind of, like, the same investment philosophy underlying, but you just are invested in the portfolio. So what that allows us to do quickly is that if we see that one of the investments are maybe not doing so well, we can change it straight away without having to put it in through, you know, the compliance document or let you know when it's changing. So it speeds up it does. As long as is that something that you are comfortable with? You wouldn't have, like, see every single one of the investments as much. You can still go in and have a look at them. It will still be there. It would just mean that we can do that quicker for you in the back end. If that is something you are comfortable with, then I can research that for you as well. Yeah. Yep. Yeah. Whatever's gonna be, babe. Exactly. You know where we are. Yeah. Oh, yeah. And the address. Yeah. Okay. Yeah. Yep. Yep. Yep. Yep. Yep. Yeah. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Correct. Exactly. Yeah. I'll have a I'll have a look at different options for you. And then whatever is obviously going to be best for you with performance and fees and stuff like that, I will then, you know, let you know, and then you can let me know what you are comfortable with. Yep. Perfect. Now we do have a lot of different portfolios. So I do wanna quickly run through a bit of a risk profile questionnaire with you. It's just a couple of multiple choice, very similar to last time, just to see if anything has changed for you in terms of your risk tolerance. Now if it doesn't make sense, let me know because some can be a little bit tricky. Yep. Perfect. Now have you ever bought direct shares yourself? Have direct shares? Like, have you bought any stocks on the stock market? No. Perfect. Let me see here. And at the moment, do you have any idea when you think you might wanna retire or stop working? No. That's okay. More than definitely more than ten years, you'd say, until you stop working. Yeah. Yeah. Perfect. Now the next question is kind of in regards to how much risk you are willing to take with your superannuation. So would you say that you are willing to accept very high risk, high risk, moderate risk, or a small amount of risk in your superannuation to try to make sure that it's still gross. No. Yes. So somewhere kind of in the middle. Yeah? Moderate? Yep. Nope. That's fine. And if you saw, let's say, your superannuation drop in value by 20% due to kind of general trends in the in the market. Do you think you'd wanna take the opportunity, invest a bit more while the prices are down? Would you kind of just wanna wait and hold and see what happens? Or do you think you'd wanna sell out of that investment and move to something, you know, less fluctuating or less risky? Less risky? Yep. Perfect. Let me see here. Now next is kind of in regards to if you did you know, when you saw your superannuation fluctuate a little bit, would you say that you felt optimistic about potential opportunities or a bit more cautious, not wanting to make further investments, or superannuation and next time you looked, it was down. So it it it dropped. If you notice that, how did how did you feel? Would you say that you were, you know, concerned or Concerned. Yeah. Perfect. And the last one here is, would you ever consider taking out a loan to invest in, you know, the stock market? No. Would you take out a loan to buy an investment property? Maybe. Okay. Perfect. Now, Caleb, that tells me here that you have come out as a growth investor. And at the moment, we have you in the portfolio of a high growth. So with the growth portfolio so, basically, the difference of they're both similar in that you are trying to, you know, maximize growth in your superannuation while you have the time and that you are prepared to kind of experience some high levels of fluctuation in order to get that growth. Now when we are talking about an asset allocation, so how your money is invested in a high growth asset. Now this would be things like Australian shares and international shares and kind of property as well, and that's what's going to maximize that growth for you. And then we do have about 10% in defensive. So that will be your your cash, your fixed interest, and your goal can fall into that as well. So it's gonna limit fluctuations a little bit. And in our growth portfolio, it's about a 10% difference. So it's 80% in growth and about 20 in defensive. Obviously, from the questions that we just went through, it seems like you're a little bit more less, you know, wanting to take on too much risk by still wanting to grow your super. So do you think you would like to look at, you know, potentially changing down to a growth portfolio, or are you still quite comfortable with that high growth allocation? Yes. Progress. Yeah. Yeah. Yep. Okay. Yeah. Perfect. Yeah. Yep. No. Perfect. Now I'll definitely have a look at that for you. And that was essentially most of the stuff that I needed to go through with you today. So what I'll do from here is I will go through and do that research for you with the insurances, with your super, with your investment. I will put together all of this for you when I have the information. Now like I said, I will get the team to express post that TPA for you. So as soon as we have that back, I can then finalize all of this for you. So it might take a little bit to get that back. Hopefully, it will be express posted. We'll get it back soon and prime service very quick, and we can get all of that sorted. Now with you know, is there any other questions, anything else that you want me to look at or address for you before I do transfer you to Caden to quickly do that pre assessment? Is there anything else you, you know, have any questions for me? Yep. Okay. Perfect. So what I'll do is I'll quickly transfer you over to Cade, and he will just run through a bit of a bit of a pre assessment for you. And then we can get that set in to me, and I'll send it off to the insurers and then kind of see which one is going to be the best for you. Perfect. Well, thank you so much for your time this afternoon, Caleb. The next person you will speak to is Kaden, and then I very much look forward to speaking with you in the next couple of weeks and get all of this sorted for you. No. No problem. Thanks, Liv. 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afternoon. Is this Caleb? Mhmm. This is Veronica from Financial. How are you this afternoon?\n\nYeah. Good. Thanks. I had you booked in for a bit of a catch up. Is now still a good time for you?\n\nYep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay? Yep. Perfect.\n\nAnd just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. Perfect. That's exactly what I have here. How's your day been so far?\n\nI've been busy? Yeah. Oh, well, that's good. And now I do have you booked in here for a bit of a a insurance review to see if we could reassess that for you. And then, also, your your annual review is kind of up now as well.\n\nSo if you're happy to do so, I'll kind of go through both of that today, if that's okay. Yeah. Perfect. Now we can start with insurances if you want, and I can see here that it's now kind of in that five year mark, so we can reassess insurances for you. Yep.\n\nPerfect. Now last time when we looked at, obviously, your one pass insurances, so, I'll go back through all the insurance and see which one is going to be the best for you. So after the call, if you're happy to do so, I will transfer you over to my colleague, Kayden, who will just kind of run through a bit of an updated pre assessment just so we have up to date information. I will then send it out to all the insurers out there just to see if OnePath is still the best one or which one is going to be the most competitive for you. And then I'll kind of put together that research and recommendation for you.\n\nNow when it comes to the different type of cover, so last time, we were kind of looking at your life and your total permanent disability insurance, and the amount we were looking at was around 390,000. Now if we kind of revisit the amount and stuff like that, are you happy with the same amount? Have anything changed? Would you like to kind of revisit and see what's going to be appropriate for you today? Keep it about the same.\n\nYep. And just to confirm, because that was basically to cover a bit of funeral expenses and then also cover it was loss of income. We calculated about 45,000 at the time after tax for ten years and then kind of offset your super balance from it, and that gave us that $3.90. So you're quite happy with that? Okay.\n\nYeah. What is it at the moment? Okay. Perfect. So about 52 and 53.\n\nOkay. Perfect. And you still kind of wanna factor in about 20,000 for funeral expenses in the calculation as well? Yep. Okay.\n\nPerfect. And, otherwise, kind of, you're happy to looking at replacing your income for about ten years if something were to happen to you and you were to pass away. Yep. Okay. Perfect.\n\nAnd you would like to offset your super balance again from that amount? Because if something were to happen to you, your super would be paid up to your beneficiaries as well, or do you want that as, like, a separate one? It would just mean that there's more money for your for your family. No. Well, I can always start by looking to not offsetting it, so give give the family a little bit more.\n\nAnd then if it is quite expensive, then we can always kind of rein it back. Yes? Okay. Perfect. Now with total permanent disability, we were kind of looking at the same amount for the same purposes.\n\nIs that still aligning with you? You're still happy with that? Yep. Yep. Great.\n\nPerfect. Now we were also looking at an income protection. So income protection is obviously to cover your loss of income if you are temporarily unable to work. Now I can see here as well that you've had a bit of a change to your occupation. Are you still doing the same thing?\n\nIt's just that you're an employee now, not a subcontractor. Yeah. Okay. Yeah. Yep.\n\nOh, perfect. But, otherwise, doing the same roles and everything like that. Yep. Okay. Yes.\n\nCorrect. Yeah. Yep. And it's also, you know, if you do have an illness or injury that prevents you to going back for work. So even if, you know, something happens on the weekend or whenever and you do get, like, an illness or injury and can't go back for a while, it's also covered there.\n\nWhereas your your work cover wouldn't. That would only be something were to happen when you're at work. So the income protection, yeah, would give you a bit more. So with the income protection, the way that it works as well is that can cover up to 70% of your income. So with your income as well, because it's kind of for the true now I will check with the insurance.\n\nIf you're doing same things and it's quite consistent, some of them are happy to cover both income, but I will just have to check with the insurer. So do you have the breakdown of, like, how much you would do from your business and then how much you would typically earn. Mhmm. Mhmm. Yep.\n\nMhmm. Mhmm. Okay. Yeah. Okay.\n\nYeah. Because it is quite if it comes to claim time, that's why sorry. The specific question. Sorry. Just to kind of recapping.\n\nSo for your for your friend, if you earn about $1,000 before tax per week, would that be about that $752,000 a year before tax? Does that sound pretty reasonable? Yeah. Roughly done? Okay.\n\nBecause the way that the income protection work is that they assess your income come claim time. So let's say if I insure you for the 52,000 from your from where you are employed, and then let's say we add a bit extra from your self employed business, Okay. Okay. Would you say because with the income protection specialist, you are self employed, they will most likely ask for payslips or just documents to prove the income. So as long as we have that yep.\n\nOkay. Okay. Okay. Okay. So if if it comes through it, you would have kind of documentation to prove that combined income would be around the 50,000, or would you say 52?\n\nYeah. Yeah. Okay. Yep. Okay.\n\nMhmm. Mhmm. Because as well, yeah, how it works so, obviously, if you do have the the documents to prove it, that's great because the insurance will probably ask that for your income protection. So, obviously, we wanna make sure that it it match. But then also that, you know, if we were to say let's say calculate at 52,000, for example, and then something, let's say, would've happened in a year's time and you need to go on claim, they would only pay you 70% of your income at that time.\n\nSo if at that time your income is, let's say, 35, then you're only gonna get covered for 70% of 35 even though you're paying for more. Does that make sense? So that is a that's kind of why I do want at least a bit of, a bit kind of certainty. It doesn't have to be exact because then, also, obviously, your income might increase and stuff like that. And, again, they kind of go the other way.\n\nSo if we insure you for, let's say, 50,000 and in two years' time, your income is a 100,000 and you need to go on claim, again, it's only 70% of the 50,000 because that's the only amount we've insured. Does Does that make sense? Yeah. So so do you think rough roughly, if we work with about 50,000, do you think that would be okay. Mhmm.\n\nOkay. At the the year the year before last? Because sometimes they ask for payslips for, like, three years. The year before. Mhmm.\n\nOkay. And and do you remember, like, the year before that? Okay. Okay. Mhmm.\n\nYeah. Okay. Yeah. Yeah. Yeah.\n\nYeah. Yeah. No. Definitely. Well, it pretty it sounds pretty much that we we if you are happy to do so, if it does vary between that 47 and 52, if you wanted to do the 50 as kind of like a a middle, then we can start there, and we can always change it and reassess it, obviously, depending your health, obviously, how things change for you.\n\nYep. Okay. Perfect. Now with income protection as well, you can have different waiting and benefit period. So the waiting period is how long you have to wait until you can start claiming on the policy.\n\nNow last time, we were looking about a thirty date waiting, which is typically your shortest one, and most policies are then also paid thirty days in arrears. So that means that typically you wait about two months before that that income protection will kick in. Do you think you could last longer financially without the income, or do you think that would be pretty tight? Tight? Okay.\n\nYeah. Okay. So my yeah. Yep. Okay.\n\nMaybe we'll leave it at that 30 then if you're happy with that and see how much Yeah. Okay. Yeah. Now there are some that pay fifteen days in arrears, so a little bit shorter. So I'll factor that in as well and see if we can find whatever is gonna be the shortest for you.\n\nI'll factor that. Yeah. Yeah. But no. Yeah.\n\nNo. Perfect. I'll have a look at that for you. Now the other thing is then your benefit period. So how long you can be on claim if something were to happen.\n\nNow we can look at two years, five years, all the way up to the age of 65. Obviously, age 65 is the most expensive, but also the most comprehensive. Last time, we were looking at kind of that middle ground of five years. What are your thoughts now? Probably about the same?\n\nOkay. Perfect. Around five years. You prefer to have from within your superannuation so you don't have to pay for them out of pocket? Yes.\n\nYep. Yes. So the, like, the cost for that. Yep. From super.\n\nNow while we are through Exactly. Yes. Now with that as well, because, obviously, it's from your income. So in order for me to be able to kind of do a bit of a, I guess, a review of your super as well while we're kind of doing everything, with the contributions, so, obviously, the job when you are now an employee, you will get paid the minimum at least 12% contributions into superannuation. So for me to kind of calculate that for you, again, it is tricky because you don't really know your income.\n\nIf it's about 50,000 combined, how much do you think of that would come from your from your from your job? Would you say, like, 30,000? Would you say a bit more around the 40 thousand from from when you are employee? Yeah. Yeah.\n\nSure. Yeah. Oh, perfect. Mhmm. Okay.\n\nPerfect. From in contributions. Mhmm. Mhmm. That's good.\n\nOkay. Yeah. Okay. Yeah. Because if last yeah.\n\nSo if it so if if you said last year, it was 67, the year before 60 three, Mhmm. Mhmm. Yep. No. That's okay.\n\nTake your time. No. That's okay. Mhmm. Yep.\n\nOkay. Perfect. And that's just from at that business, that's not when you are doing your mhmm. Okay. Yes.\n\nMhmm. Mhmm. Mhmm. Yep. Perfect.\n\nThat's okay. It's good we get the, you know, correct information for especially with insurances. Yep. Mhmm. Yep.\n\nMhmm. Yep. Yep. So pretty pretty similar. Yep.\n\nYep. Yep. Yep. I can do all of that. Yeah.\n\nTake 11% off that. I'll write it down, and then I can do all of the back end so you don't have to worry about it. Yeah. Yep. Yep.\n\nYep. Yep. Yep. Perfect. And that includes the GST as well?\n\nYep. Yep. Perfect. So from the business. Yep.\n\nYep. Yep. Yes. Yeah. Yeah.\n\nYeah. Exactly. Okay. Well, that gives me a bit more, I guess, clarity on the figures. So I will kind of count that, and I'll obviously, you said your income for this year would be little bit reduced, obviously, because you are now employed.\n\nSo yeah. Yeah. Yeah. Yeah. Mhmm.\n\nYeah. Yeah. Yeah. Exactly. Yeah.\n\nOkay. Well, I will work with these numbers and do that. And, obviously, he will pay the regular contributions into super for you as well now when you're employed, which is good, which will obviously change that. So it is good. I'll review your super a little bit as well, obviously, with that because there's been some changes with that.\n\nBut aside from that, you are not making any contributions yourself from your business. It's just no. Okay. Yeah. Yep.\n\nOh, yeah. Yep. Yeah. And we can we can definitely have a look at that for you. When when you get to that point, just let us know, and we can always, you know, run the numbers and and do that calculation and everything for you just to see that's all kind of aligning.\n\nSo with a little yeah. Yep. No. That's alright. Yep.\n\nSo I'll have a little review of that for you. Now just quickly back to insurances. I do wanna just triple check as well. Last time, you said that you didn't wanna look at trauma insurance because you have to pay for that out of pocket to cover you for traumatic events. Is that still the case?\n\nIt's not really something you're interested in looking at right now? Yeah. So trauma, it's yeah. So it is a bit different through income protection and PPD because you don't have to prove that you are unable to go back to work. So how it's different is, like, for for example, let's say you have a heart attack and you end up in hospital, you will then be paid out a a tax free lump sum directly to your back pocket through assist.\n\nSo that if if you wanna take some time off work or if you need a loved one to come and assist, or if you have any medical bills and stuff like that that's not covered, that's when this insurance policy come in pretty handy because you don't have to meet those conditions of proving that you can't work. As long as you get that diagnosis and it's on the the forms, then you are able to get the policy paid out. So it is one that you probably probably receive gets claimed on the most because you don't have to meet those definitions, but it is different. It's not income replacement or anything like that. It is just to cover you for traumatic effect.\n\nBut it is a policy you have to pay for out of pocket because you can't have an inside super. Yeah. Happy to leave it for now or Yep. Yep. Okay.\n\nPerfect. Now, otherwise, I do wanna just quickly run through a bit of an updated fact find to see if there's anything else that's changed so I can prepare this all for you. Now I do have here next of Ken Aaron. Is that still the case? Yep.\n\nPerfect. And I do have here that you have two financial dependents, and then your partner has three as well. Yep. Perfect. I've updated all your employment details.\n\nAsset wise, I have here your property loss was valued at about 600,000. Yes. Perfect. And it was about 240,000 owing, roughly? Yes.\n\nIs that still the case, do you think? I am. Okay. Perfect. So that's $2.80.\n\nI do ask yeah. Oh, yeah. Definitely. You're doing good. I also have here that you have a motor vehicle ride at about 3,000.\n\nYep. But you don't have anything owing on that one? Not No. Not perfect. Yeah.\n\nGreat. I do also have here savings in the bank was about 45,000. Yeah. Does that still roughly sound about the same? Oh, perfect.\n\nAbout 52. Typically, you I do have another one here that you also had a separate saving account with your partner for about 20,000. That's sales. You've got the 52. Yeah.\n\nK. K. Yeah. Yeah. Yeah.\n\nYeah. Any other assets, any other motor vehicles, or anything else? Else? Nope. Yep.\n\nYep. Perfect. Any other liabilities, like personal loans or credit card or SIP pay? No? Yep.\n\nAnd how much Okay. Perfect. Anything else? No? Okay.\n\nYeah. Okay. Perfect. No. That's good.\n\nAnd you've never been declared bankrupt or been under a part nine debt agreement? No. Great. Perfect. And are you still a nonsmoker?\n\nYep. Great. And having a bit of a look at estate planning, do you have a will in place at all or a power of attorney? No. Let me see here.\n\nAnd you don't have anyone else who makes, you know, financial decisions on your behalf? No. Perfect. And are you politically involved at all or earn any any income overseas? Nope.\n\nAlright. Perfect. That's good. Let's see here. Now, obviously, aside from reviewing your insurances and stuff like that, is there any other goals that you are working towards in the next, you know, couple of years or so aside from, I think, last time you mentioned your focus is just to kind of grow the business and just kind of focus on paying down the mortgage.\n\nIs there anything else that you were kind of, you know, working towards? Yeah? Oh, nice. Mhmm. Yes.\n\nYeah. Yep. Perfect. And I do wanna just confirm as well. So with your super nominations, I have Audrey and Ollie about 50 percent.\n\nThat's still correct? Yeah. Great. Perfect. Now with your super as well, so I'll have a little bit of review of your superannuation.\n\nNow I'm looking at your account at the moment. And is that something you keep an eye on every now and then? Mhmm. Yeah. Now at the moment, you do have about $96,475 in your hub 24.\n\nAnd I do wanna check as well, do you still have Prime Super as well? I think last time we spoke, there was about 10,000 or so in Prime Super. Super. No. Okay.\n\nSo what I might do as well, just so I can do some research and see if there's still money in there, and then hopefully get that consolidated for you, Is that I will yeah. Yeah. Now yeah. Sorry. I'll do that for you.\n\nNow the process for me to do that research is a little bit tedious because Prime Trooper needs a wet science, a paper science, third party authority for me to do that research. So what I'm going to do is I'm going to express post that to you. I will include a return envelope as well. If you could just sign that as soon as you get it, return it through me. As soon as I have that back, I'll send that off to Prime Super, and that will allow me to do that research for you and then get everything, you know, hopefully consolidated and sorted.\n\nYep. Perfect. Yeah. So keep a lookout for that in the post. I will get the team to send that out to you either today or tomorrow.\n\nAnd then, obviously, just depending on Australia post, how long that takes. Now part of, obviously, reviewing your super as well is I do wanna have a bit of a review of your investment. Some of the investments have done really well, but there's been one that's kind of underperformed a little bit that I would like to look at potentially changing through something better. So one of your investment, which is the Benelung Australian Equity Fund, when you came on board, it was doing really, really well. It was that one that's kind of your active management component.\n\nBut lately, it's of underperformed a little bit. And one of the biggest reason is that one of the investments that they have in their funds is Corporate Travel Group, and they were suspended for trading because that reporting didn't really add up. So they were suspended from trading, which meant that their their stock price and everything kind of went down. So it is something I do wanna review for you because we wanna make sure that at all times, we have you in the best options possible. And, obviously, the markets and things are always always changing.\n\nSo it is important to keep reviewing it and, you know, swapping and changing investments if we need to to make sure they continue to do really well. So I'll do that research for you as well just to make sure if we can, you know, improve that a little bit for you and and have a have a look. And I'm not sure if you've had a look at our recent newsletter at all. Is that something you kind of read every now and then? Or Not really.\n\nYeah. Yeah. Yeah. So yeah. So with the with Anita, I was going to say as well.\n\nSo I'll I'll research options for you to kinda change the investment. But I do wanted to check with you as well because we have recently merged with BlackRock, which is one of the biggest investment managers. You may have heard of them. They no. No.\n\nThat's okay. They are quite big, and we've kind of joined forces with their investment committee and created something that's called an SMA. It stands for a self managed account. Still within your super and investment, but it works a little bit differently. The the way that we currently have you structured, which is like a model portfolio, is that when you look into hub twenty four, you will see each and every single one of your investments.\n\nAnd if we want to change one, so for example, now when we wanna potentially look at changing the Benelon, I would have to and do the research for you, put everything in a document, most of my compliance point, and to make sure you are happy, present it to you, and then you have to let me know if you're okay with it. The way that the SMA works is they kind of takes away that that side of it in that you are invested in a portfolio. So it would just be like a name of a portfolio. Still have kind of, like, the same investment philosophy underlying, but you just are invested in the portfolio. So what that allows us to do quickly is that if we see that one of the investments are maybe not doing so well, we can change it straight away without having to put it in through, you know, the compliance document or let you know when it's changing.\n\nSo it speeds up it does. As long as is that something that you are comfortable with? You wouldn't have, like, see every single one of the investments as much. You can still go in and have a look at them. It will still be there.\n\nIt would just mean that we can do that quicker for you in the back end. If that is something you are comfortable with, then I can research that for you as well. Yeah. Yep. Yeah.\n\nWhatever's gonna be, babe. Exactly. You know where we are. Yeah. Oh, yeah.\n\nAnd the address. Yeah. Okay. Yeah. Yep.\n\nYep. Yep. Yep. Yep. Yeah.\n\nYep. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Correct. Exactly. Yeah. I'll have a I'll have a look at different options for you.\n\nAnd then whatever is obviously going to be best for you with performance and fees and stuff like that, I will then, you know, let you know, and then you can let me know what you are comfortable with. Yep. Perfect. Now we do have a lot of different portfolios. So I do wanna quickly run through a bit of a risk profile questionnaire with you.\n\nIt's just a couple of multiple choice, very similar to last time, just to see if anything has changed for you in terms of your risk tolerance. Now if it doesn't make sense, let me know because some can be a little bit tricky. Yep. Perfect. Now have you ever bought direct shares yourself?\n\nHave direct shares? Like, have you bought any stocks on the stock market? No. Perfect. Let me see here.\n\nAnd at the moment, do you have any idea when you think you might wanna retire or stop working? No. That's okay. More than definitely more than ten years, you'd say, until you stop working. Yeah.\n\nYeah. Perfect. Now the next question is kind of in regards to how much risk you are willing to take with your superannuation. So would you say that you are willing to accept very high risk, high risk, moderate risk, or a small amount of risk in your superannuation to try to make sure that it's still gross. No.\n\nYes. So somewhere kind of in the middle. Yeah? Moderate? Yep.\n\nNope. That's fine. And if you saw, let's say, your superannuation drop in value by 20% due to kind of general trends in the in the market. Do you think you'd wanna take the opportunity, invest a bit more while the prices are down? Would you kind of just wanna wait and hold and see what happens?\n\nOr do you think you'd wanna sell out of that investment and move to something, you know, less fluctuating or less risky? Less risky? Yep. Perfect. Let me see here.\n\nNow next is kind of in regards to if you did you know, when you saw your superannuation fluctuate a little bit, would you say that you felt optimistic about potential opportunities or a bit more cautious, not wanting to make further investments, or superannuation and next time you looked, it was down. So it it it dropped. If you notice that, how did how did you feel? Would you say that you were, you know, concerned or Concerned. Yeah.\n\nPerfect. And the last one here is, would you ever consider taking out a loan to invest in, you know, the stock market? No. Would you take out a loan to buy an investment property? Maybe.\n\nOkay. Perfect. Now, Caleb, that tells me here that you have come out as a growth investor. And at the moment, we have you in the portfolio of a high growth. So with the growth portfolio so, basically, the difference of they're both similar in that you are trying to, you know, maximize growth in your superannuation while you have the time and that you are prepared to kind of experience some high levels of fluctuation in order to get that growth.\n\nNow when we are talking about an asset allocation, so how your money is invested in a high growth asset. Now this would be things like Australian shares and international shares and kind of property as well, and that's what's going to maximize that growth for you. And then we do have about 10% in defensive. So that will be your your cash, your fixed interest, and your goal can fall into that as well. So it's gonna limit fluctuations a little bit.\n\nAnd in our growth portfolio, it's about a 10% difference. So it's 80% in growth and about 20 in defensive. Obviously, from the questions that we just went through, it seems like you're a little bit more less, you know, wanting to take on too much risk by still wanting to grow your super. So do you think you would like to look at, you know, potentially changing down to a growth portfolio, or are you still quite comfortable with that high growth allocation? Yes.\n\nProgress. Yeah. Yeah. Yep. Okay.\n\nYeah. Perfect. Yeah. Yep. No.\n\nPerfect. Now I'll definitely have a look at that for you. And that was essentially most of the stuff that I needed to go through with you today. So what I'll do from here is I will go through and do that research for you with the insurances, with your super, with your investment. I will put together all of this for you when I have the information.\n\nNow like I said, I will get the team to express post that TPA for you. So as soon as we have that back, I can then finalize all of this for you. So it might take a little bit to get that back. Hopefully, it will be express posted. We'll get it back soon and prime service very quick, and we can get all of that sorted.\n\nNow with you know, is there any other questions, anything else that you want me to look at or address for you before I do transfer you to Caden to quickly do that pre assessment? Is there anything else you, you know, have any questions for me? Yep. Okay. Perfect.\n\nSo what I'll do is I'll quickly transfer you over to Cade, and he will just run through a bit of a bit of a pre assessment for you. And then we can get that set in to me, and I'll send it off to the insurers and then kind of see which one is going to be the best for you. Perfect. Well, thank you so much for your time this afternoon, Caleb. The next person you will speak to is Kaden, and then I very much look forward to speaking with you in the next couple of weeks and get all of this sorted for you.\n\nNo. No problem. Thanks, Liv. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":3.28,"end":4.08,"sentiment":"neutral","sentiment_score":0.2483040913939476},{"text":"Is this Caleb?","start":4.08,"end":4.9,"sentiment":"neutral","sentiment_score":0.11570614327987035},{"text":"Mhmm.","start":6.8799996,"end":7.2799997,"sentiment":"neutral","sentiment_score":0.11100468039512634},{"text":"This is Veronica from Financial.","start":7.2799997,"end":8.82,"sentiment":"neutral","sentiment_score":0.14758113026618958},{"text":"How are you this afternoon?","start":9.28,"end":10.42,"sentiment":"neutral","sentiment_score":0.22283714711666108}],"sentiment":"neutral","sentiment_score":0.17542641749605536,"num_words":16,"start":3.28,"end":10.42},{"sentences":[{"text":"Yeah.","start":13.36,"end":13.679999,"sentiment":"neutral","sentiment_score":0.2531404197216034},{"text":"Good.","start":13.679999,"end":14.0,"sentiment":"positive","sentiment_score":0.5338040590286255},{"text":"Thanks.","start":14.0,"end":14.5,"sentiment":"positive","sentiment_score":0.6270668506622314},{"text":"I had you booked in for a bit of a catch up.","start":15.28,"end":17.705,"sentiment":"positive","sentiment_score":0.3892460564772288},{"text":"Is now still a good time for you?","start":17.705,"end":19.325,"sentiment":"positive","sentiment_score":0.37523679062724113}],"sentiment":"positive","sentiment_score":0.39508079705031024,"num_words":23,"start":13.36,"end":19.325},{"sentences":[{"text":"Yep.","start":20.985,"end":21.485,"sentiment":"neutral","sentiment_score":0.26067453622817993},{"text":"Perfect.","start":22.185,"end":22.685,"sentiment":"positive","sentiment_score":0.5067727565765381},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay?","start":23.145,"end":30.91,"sentiment":"neutral","sentiment_score":0.04273716225449381},{"text":"Yep.","start":32.329998,"end":32.829998,"sentiment":"neutral","sentiment_score":0.12952402234077454},{"text":"Perfect.","start":33.05,"end":33.55,"sentiment":"neutral","sentiment_score":0.3006335198879242}],"sentiment":"neutral","sentiment_score":0.07384795577011326,"num_words":33,"start":20.985,"end":33.55},{"sentences":[{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":33.61,"end":41.475,"sentiment":"neutral","sentiment_score":0.07460142471469365},{"text":"Yep.","start":50.195,"end":50.675,"sentiment":"neutral","sentiment_score":0.16472822427749634},{"text":"Perfect.","start":50.675,"end":51.155,"sentiment":"positive","sentiment_score":0.47131168842315674},{"text":"That's exactly what I have here.","start":51.155,"end":53.175,"sentiment":"positive","sentiment_score":0.5431316693623861},{"text":"How's your day been so far?","start":54.114998,"end":55.420002,"sentiment":"neutral","sentiment_score":0.17270645623405775}],"sentiment":"neutral","sentiment_score":0.17176764272153378,"num_words":40,"start":33.61,"end":55.420002},{"sentences":[{"text":"I've been busy?","start":55.420002,"end":56.24,"sentiment":"neutral","sentiment_score":-0.09631649653116862},{"text":"Yeah.","start":59.66,"end":60.16,"sentiment":"neutral","sentiment_score":0.011453897692263126},{"text":"Oh, well, that's good.","start":61.9,"end":63.44,"sentiment":"neutral","sentiment_score":0.32485488802194595},{"text":"And now I do have you booked in here for a bit of a a insurance review to see if we could reassess that for you.","start":64.3,"end":71.635,"sentiment":"neutral","sentiment_score":0.23684184539776582},{"text":"And then, also, your your annual review is kind of up now as well.","start":72.895004,"end":77.455,"sentiment":"neutral","sentiment_score":0.13898053978170669}],"sentiment":"neutral","sentiment_score":0.19011540619734055,"num_words":48,"start":55.420002,"end":77.455},{"sentences":[{"text":"So if you're happy to do so, I'll kind of go through both of that today, if that's okay.","start":77.455,"end":83.270004,"sentiment":"neutral","sentiment_score":0.158436539926027},{"text":"Yeah.","start":85.01,"end":85.41,"sentiment":"neutral","sentiment_score":0.23664337396621704},{"text":"Perfect.","start":85.41,"end":85.91,"sentiment":"positive","sentiment_score":0.33443766832351685},{"text":"Now we can start with insurances if you want, and I can see here that it's now kind of in that five year mark, so we can reassess insurances for you.","start":86.61,"end":96.545006,"sentiment":"neutral","sentiment_score":0.15008930285130778},{"text":"Yep.","start":97.805,"end":98.205,"sentiment":"neutral","sentiment_score":0.1492615044116974}],"sentiment":"neutral","sentiment_score":0.15817745648465067,"num_words":53,"start":77.455,"end":98.205},{"sentences":[{"text":"Perfect.","start":98.205,"end":98.705,"sentiment":"neutral","sentiment_score":0.3205038011074066},{"text":"Now last time when we looked at, obviously, your one pass insurances, so, I'll go back through all the insurance and see which one is going to be the best for you.","start":99.565,"end":109.490005,"sentiment":"neutral","sentiment_score":0.15619066846556962},{"text":"So after the call, if you're happy to do so, I will transfer you over to my colleague, Kayden, who will just kind of run through a bit of an updated pre assessment just so we have up to date information.","start":109.950005,"end":120.05,"sentiment":"neutral","sentiment_score":0.14134756975421092},{"text":"I will then send it out to all the insurers out there just to see if OnePath is still the best one or which one is going to be the most competitive for you.","start":121.07,"end":128.815,"sentiment":"neutral","sentiment_score":0.2721106155830271},{"text":"And then I'll kind of put together that research and recommendation for you.","start":129.035,"end":133.215,"sentiment":"neutral","sentiment_score":0.23320238636090204}],"sentiment":"neutral","sentiment_score":0.19336568185490025,"num_words":121,"start":98.205,"end":133.215},{"sentences":[{"text":"Now when it comes to the different type of cover, so last time, we were kind of looking at your life and your total permanent disability insurance, and the amount we were looking at was around 390,000.","start":135.435,"end":150.93999,"sentiment":"neutral","sentiment_score":0.016501790164290247},{"text":"Now if we kind of revisit the amount and stuff like that, are you happy with the same amount?","start":151.64,"end":157.905,"sentiment":"neutral","sentiment_score":0.03612073059929045},{"text":"Have anything changed?","start":157.905,"end":159.025,"sentiment":"neutral","sentiment_score":-0.06134230767687162},{"text":"Would you like to kind of revisit and see what's going to be appropriate for you today?","start":159.025,"end":164.085,"sentiment":"neutral","sentiment_score":0.05496735607876497},{"text":"Keep it about the same.","start":168.625,"end":169.86,"sentiment":"neutral","sentiment_score":0.023658102750778197}],"sentiment":"neutral","sentiment_score":0.026735416808981956,"num_words":81,"start":135.435,"end":169.86},{"sentences":[{"text":"Yep.","start":169.86,"end":170.36,"sentiment":"neutral","sentiment_score":0.09981612861156464},{"text":"And just to confirm, because that was basically to cover a bit of funeral expenses and then also cover it was loss of income.","start":170.74,"end":180.44,"sentiment":"neutral","sentiment_score":0.012475012568756938},{"text":"We calculated about 45,000 at the time after tax for ten years and then kind of offset your super balance from it, and that gave us that $3.90.","start":180.74,"end":192.275,"sentiment":"neutral","sentiment_score":0.05064743318195854},{"text":"So you're quite happy with that?","start":193.61499,"end":196.83499,"sentiment":"neutral","sentiment_score":0.2509412045280139},{"text":"Okay.","start":199.98,"end":200.38,"sentiment":"neutral","sentiment_score":0.026452254503965374}],"sentiment":"neutral","sentiment_score":0.05582406735047698,"num_words":60,"start":169.86,"end":200.38},{"sentences":[{"text":"Yeah.","start":200.38,"end":200.7,"sentiment":"neutral","sentiment_score":0.012049907818436624},{"text":"What is it at the moment?","start":200.7,"end":202.08,"sentiment":"neutral","sentiment_score":-0.008380274288356304},{"text":"Okay.","start":208.94,"end":209.26,"sentiment":"neutral","sentiment_score":0.1594749093055725},{"text":"Perfect.","start":209.26,"end":209.74,"sentiment":"neutral","sentiment_score":0.32245612144470215},{"text":"So about 52 and 53.","start":209.74,"end":211.875,"sentiment":"neutral","sentiment_score":0.17458489239215852}],"sentiment":"neutral","sentiment_score":0.09404455391424042,"num_words":14,"start":200.38,"end":211.875},{"sentences":[{"text":"Okay.","start":213.395,"end":213.895,"sentiment":"neutral","sentiment_score":0.20335805416107175},{"text":"Perfect.","start":213.955,"end":214.455,"sentiment":"positive","sentiment_score":0.35237908363342285},{"text":"And you still kind of wanna factor in about 20,000 for funeral expenses in the calculation as well?","start":215.475,"end":222.455,"sentiment":"neutral","sentiment_score":0.1303119920194149},{"text":"Yep.","start":224.275,"end":224.755,"sentiment":"neutral","sentiment_score":0.12218159437179564},{"text":"Okay.","start":224.755,"end":225.235,"sentiment":"neutral","sentiment_score":0.2237085998058319}],"sentiment":"neutral","sentiment_score":0.14760196310552684,"num_words":22,"start":213.395,"end":225.235},{"sentences":[{"text":"Perfect.","start":225.235,"end":225.735,"sentiment":"positive","sentiment_score":0.37406137585639954},{"text":"And, otherwise, kind of, you're happy to looking at replacing your income for about ten years if something were to happen to you and you were to pass away.","start":226.515,"end":234.84001,"sentiment":"neutral","sentiment_score":0.07021429042877822},{"text":"Yep.","start":236.74,"end":237.22,"sentiment":"neutral","sentiment_score":0.11543750762939452},{"text":"Okay.","start":237.22,"end":237.72,"sentiment":"neutral","sentiment_score":0.21211084723472595},{"text":"Perfect.","start":237.94,"end":238.44,"sentiment":"positive","sentiment_score":0.37460726499557495}],"sentiment":"neutral","sentiment_score":0.09431610358032314,"num_words":33,"start":225.235,"end":238.44},{"sentences":[{"text":"And you would like to offset your super balance again from that amount?","start":239.70001,"end":244.64499,"sentiment":"neutral","sentiment_score":0.1427832326063743},{"text":"Because if something were to happen to you, your super would be paid up to your beneficiaries as well, or do you want that as, like, a separate one?","start":245.345,"end":253.045,"sentiment":"neutral","sentiment_score":0.056975680178609385},{"text":"It would just mean that there's more money for your for your family.","start":259.84,"end":262.97998,"sentiment":"neutral","sentiment_score":0.09801319012275109},{"text":"No.","start":271.775,"end":272.255,"sentiment":"neutral","sentiment_score":-0.1019534096121788},{"text":"Well, I can always start by looking to not offsetting it, so give give the family a little bit more.","start":272.255,"end":278.275,"sentiment":"neutral","sentiment_score":0.0030441051349043846}],"sentiment":"neutral","sentiment_score":0.06238916991768699,"num_words":76,"start":239.70001,"end":278.275},{"sentences":[{"text":"And then if it is quite expensive, then we can always kind of rein it back.","start":278.33502,"end":283.79,"sentiment":"neutral","sentiment_score":-0.0804495798656717},{"text":"Yes?","start":283.85,"end":284.33002,"sentiment":"neutral","sentiment_score":0.012799041345715525},{"text":"Okay.","start":284.33002,"end":284.83002,"sentiment":"neutral","sentiment_score":0.08710388839244843},{"text":"Perfect.","start":284.89,"end":285.39,"sentiment":"positive","sentiment_score":0.34646791219711304},{"text":"Now with total permanent disability, we were kind of looking at the same amount for the same purposes.","start":286.41,"end":293.47,"sentiment":"neutral","sentiment_score":0.03923495393246412}],"sentiment":"neutral","sentiment_score":-0.003637655814354484,"num_words":37,"start":278.33502,"end":293.47},{"sentences":[{"text":"Is that still aligning with you?","start":294.09,"end":296.01,"sentiment":"neutral","sentiment_score":0.07520845532417297},{"text":"You're still happy with that?","start":296.01,"end":298.435,"sentiment":"neutral","sentiment_score":0.19398909509181977},{"text":"Yep.","start":298.975,"end":299.475,"sentiment":"neutral","sentiment_score":0.2574329376220703},{"text":"Yep.","start":299.695,"end":300.17502,"sentiment":"neutral","sentiment_score":0.20798593759536743},{"text":"Great.","start":300.17502,"end":300.495,"sentiment":"positive","sentiment_score":0.6377581357955933}],"sentiment":"neutral","sentiment_score":0.1803123727440834,"num_words":14,"start":294.09,"end":300.495},{"sentences":[{"text":"Perfect.","start":300.495,"end":300.995,"sentiment":"positive","sentiment_score":0.4884549081325531},{"text":"Now we were also looking at an income protection.","start":301.535,"end":304.435,"sentiment":"neutral","sentiment_score":0.0296664923015568},{"text":"So income protection is obviously to cover your loss of income if you are temporarily unable to work.","start":305.61502,"end":312.09,"sentiment":"neutral","sentiment_score":-0.019934768478075664},{"text":"Now I can see here as well that you've had a bit of a change to your occupation.","start":312.09,"end":316.35,"sentiment":"neutral","sentiment_score":-0.010002901712949906},{"text":"Are you still doing the same thing?","start":317.05002,"end":318.89,"sentiment":"neutral","sentiment_score":-0.014078659138509206}],"sentiment":"neutral","sentiment_score":0.0022268804045007477,"num_words":53,"start":300.495,"end":318.89},{"sentences":[{"text":"It's just that you're an employee now, not a subcontractor.","start":318.89,"end":321.99503,"sentiment":"neutral","sentiment_score":-0.02605846244841814},{"text":"Yeah.","start":322.93503,"end":323.33502,"sentiment":"neutral","sentiment_score":0.005592672154307365},{"text":"Okay.","start":323.33502,"end":323.83502,"sentiment":"neutral","sentiment_score":0.01290883868932724},{"text":"Yeah.","start":327.255,"end":327.755,"sentiment":"neutral","sentiment_score":0.029074687510728836},{"text":"Yep.","start":328.855,"end":329.355,"sentiment":"neutral","sentiment_score":0.03245024383068085}],"sentiment":"neutral","sentiment_score":-0.012897013021366937,"num_words":14,"start":318.89,"end":329.355},{"sentences":[{"text":"Oh, perfect.","start":340.22,"end":340.80002,"sentiment":"neutral","sentiment_score":0.0855013020336628},{"text":"But, otherwise, doing the same roles and everything like that.","start":341.74002,"end":344.80002,"sentiment":"neutral","sentiment_score":0.005438815709203482},{"text":"Yep.","start":345.26,"end":345.465,"sentiment":"neutral","sentiment_score":-0.007627254351973534},{"text":"Okay.","start":350.025,"end":350.525,"sentiment":"neutral","sentiment_score":-0.06126824766397476},{"text":"Yes.","start":388.4,"end":388.9,"sentiment":"neutral","sentiment_score":-0.07202861458063126}],"sentiment":"neutral","sentiment_score":0.005631109637518724,"num_words":15,"start":340.22,"end":388.9},{"sentences":[{"text":"Correct.","start":393.28,"end":393.78,"sentiment":"neutral","sentiment_score":-0.07689448446035385},{"text":"Yeah.","start":394.96,"end":395.46,"sentiment":"neutral","sentiment_score":-0.0445481538772583},{"text":"Yep.","start":396.63998,"end":397.13998,"sentiment":"neutral","sentiment_score":-0.02343686670064926},{"text":"And it's also, you know, if you do have an illness or injury that prevents you to going back for work.","start":397.28,"end":403.875,"sentiment":"neutral","sentiment_score":-0.10190390955124583},{"text":"So even if, you know, something happens on the weekend or whenever and you do get, like, an illness or injury and can't go back for a while, it's also covered there.","start":403.875,"end":412.195,"sentiment":"neutral","sentiment_score":-0.12191500939661637}],"sentiment":"neutral","sentiment_score":-0.11046681975546692,"num_words":56,"start":393.28,"end":412.195},{"sentences":[{"text":"Whereas your your work cover wouldn't.","start":412.195,"end":414.5,"sentiment":"neutral","sentiment_score":-0.055114492774009705},{"text":"That would only be something were to happen when you're at work.","start":414.5,"end":417.47998,"sentiment":"neutral","sentiment_score":-0.07867158732066552},{"text":"So the income protection, yeah, would give you a bit more.","start":418.18,"end":420.66,"sentiment":"neutral","sentiment_score":0.17534130405295978},{"text":"So with the income protection, the way that it works as well is that can cover up to 70% of your income.","start":420.66,"end":429.07498,"sentiment":"neutral","sentiment_score":0.2576870931820436},{"text":"So with your income as well, because it's kind of for the true now I will check with the insurance.","start":430.01498,"end":438.495,"sentiment":"neutral","sentiment_score":0.18280195444822311}],"sentiment":"neutral","sentiment_score":0.14055159829661878,"num_words":71,"start":412.195,"end":438.495},{"sentences":[{"text":"If you're doing same things and it's quite consistent, some of them are happy to cover both income, but I will just have to check with the insurer.","start":438.495,"end":447.5,"sentiment":"neutral","sentiment_score":0.1482037344415273},{"text":"So do you have the breakdown of, like, how much you would do from your business and then how much you would typically earn.","start":447.64,"end":455.705,"sentiment":"neutral","sentiment_score":0.054346043383702636},{"text":"Mhmm.","start":456.085,"end":456.585,"sentiment":"neutral","sentiment_score":0.00922955386340618},{"text":"Mhmm.","start":462.245,"end":462.745,"sentiment":"neutral","sentiment_score":0.019313868135213852},{"text":"Yep.","start":468.965,"end":469.26,"sentiment":"neutral","sentiment_score":0.053002119064331055}],"sentiment":"neutral","sentiment_score":0.1006464572115378,"num_words":55,"start":438.495,"end":469.26},{"sentences":[{"text":"Mhmm.","start":474.30002,"end":474.80002,"sentiment":"neutral","sentiment_score":0.07477912306785583},{"text":"Mhmm.","start":477.26,"end":477.76,"sentiment":"neutral","sentiment_score":0.02034286968410015},{"text":"Okay.","start":481.66,"end":481.935,"sentiment":"neutral","sentiment_score":-0.05449023097753525},{"text":"Yeah.","start":524.26,"end":524.76,"sentiment":"neutral","sentiment_score":-0.25088322162628174},{"text":"Okay.","start":526.26,"end":526.76,"sentiment":"neutral","sentiment_score":-0.12606528401374817}],"sentiment":"neutral","sentiment_score":-0.06726334877312183,"num_words":5,"start":474.30002,"end":526.76},{"sentences":[{"text":"Yeah.","start":526.98,"end":527.48,"sentiment":"neutral","sentiment_score":-0.007487313821911812},{"text":"Because it is quite if it comes to claim time, that's why sorry.","start":527.7,"end":533.825,"sentiment":"neutral","sentiment_score":-0.24995355193431562},{"text":"The specific question.","start":533.825,"end":534.785,"sentiment":"neutral","sentiment_score":-0.20509040852387747},{"text":"Sorry.","start":534.785,"end":535.285,"sentiment":"neutral","sentiment_score":-0.14321601390838623},{"text":"Just to kind of recapping.","start":535.505,"end":536.725,"sentiment":"neutral","sentiment_score":-0.029714101552963258}],"sentiment":"neutral","sentiment_score":-0.18104092331360216,"num_words":23,"start":526.98,"end":536.725},{"sentences":[{"text":"So for your for your friend, if you earn about $1,000 before tax per week, would that be about that $752,000 a year before tax?","start":536.865,"end":546.79,"sentiment":"neutral","sentiment_score":0.09895512163639068},{"text":"Does that sound pretty reasonable?","start":546.79,"end":548.32996,"sentiment":"neutral","sentiment_score":0.16541511565446854},{"text":"Yeah.","start":550.55,"end":551.05,"sentiment":"neutral","sentiment_score":0.10640570521354677},{"text":"Roughly done?","start":552.23,"end":553.19,"sentiment":"neutral","sentiment_score":-0.025478209368884563},{"text":"Okay.","start":553.19,"end":553.69,"sentiment":"neutral","sentiment_score":0.055323682725429535}],"sentiment":"neutral","sentiment_score":0.10034489965833285,"num_words":34,"start":536.865,"end":553.69},{"sentences":[{"text":"Because the way that the income protection work is that they assess your income come claim time.","start":554.95,"end":561.505,"sentiment":"neutral","sentiment_score":0.03947113848784391},{"text":"So let's say if I insure you for the 52,000 from your from where you are employed, and then let's say we add a bit extra from your self employed business, Okay.","start":561.725,"end":580.65,"sentiment":"neutral","sentiment_score":0.08725069981301203},{"text":"Okay.","start":590.135,"end":590.635,"sentiment":"neutral","sentiment_score":0.030663631856441494},{"text":"Would you say because with the income protection specialist, you are self employed, they will most likely ask for payslips or just documents to prove the income.","start":599.19,"end":611.05005,"sentiment":"neutral","sentiment_score":0.011207985001857634},{"text":"So as long as we have that yep.","start":611.67004,"end":615.365,"sentiment":"neutral","sentiment_score":0.03512080619111657}],"sentiment":"neutral","sentiment_score":0.04796796970288543,"num_words":85,"start":554.95,"end":615.365},{"sentences":[{"text":"Okay.","start":616.625,"end":617.125,"sentiment":"neutral","sentiment_score":0.032373473048210144},{"text":"Okay.","start":621.985,"end":622.485,"sentiment":"neutral","sentiment_score":0.04379905387759209},{"text":"Okay.","start":626.545,"end":626.85,"sentiment":"neutral","sentiment_score":0.01446293480694294},{"text":"Okay.","start":635.32996,"end":635.82996,"sentiment":"neutral","sentiment_score":0.013002362102270126},{"text":"So if if it comes through it, you would have kind of documentation to prove that combined income would be around the 50,000, or would you say 52?","start":636.13,"end":645.73505,"sentiment":"neutral","sentiment_score":-0.031082675393138613}],"sentiment":"neutral","sentiment_score":-0.02395865897415206,"num_words":32,"start":616.625,"end":645.73505},{"sentences":[{"text":"Yeah.","start":653.55505,"end":653.76,"sentiment":"neutral","sentiment_score":-0.15825709700584412},{"text":"Yeah.","start":661.28,"end":661.78,"sentiment":"neutral","sentiment_score":-0.039888396859169006},{"text":"Okay.","start":665.68,"end":666.18,"sentiment":"neutral","sentiment_score":0.017786918208003044},{"text":"Yep.","start":669.82495,"end":670.32495,"sentiment":"neutral","sentiment_score":0.08076059818267822},{"text":"Okay.","start":676.865,"end":677.365,"sentiment":"neutral","sentiment_score":-0.01062755100429058}],"sentiment":"neutral","sentiment_score":-0.022045105695724487,"num_words":5,"start":653.55505,"end":677.365},{"sentences":[{"text":"Mhmm.","start":694.67,"end":695.17,"sentiment":"neutral","sentiment_score":0.04023999720811844},{"text":"Mhmm.","start":695.55,"end":696.05,"sentiment":"neutral","sentiment_score":0.05400506407022476},{"text":"Because as well, yeah, how it works so, obviously, if you do have the the documents to prove it, that's great because the insurance will probably ask that for your income protection.","start":697.645,"end":706.22504,"sentiment":"positive","sentiment_score":0.3431267533451319},{"text":"So, obviously, we wanna make sure that it it match.","start":706.84503,"end":709.745,"sentiment":"neutral","sentiment_score":0.14337756782770156},{"text":"But then also that, you know, if we were to say let's say calculate at 52,000, for example, and then something, let's say, would've happened in a year's time and you need to go on claim, they would only pay you 70% of your income at that time.","start":710.48004,"end":729.275,"sentiment":"neutral","sentiment_score":-0.04211331766176348}],"sentiment":"neutral","sentiment_score":0.11398519129168404,"num_words":92,"start":694.67,"end":729.275},{"sentences":[{"text":"So if at that time your income is, let's say, 35, then you're only gonna get covered for 70% of 35 even though you're paying for more.","start":729.575,"end":739.99,"sentiment":"neutral","sentiment_score":-0.06833225688724606},{"text":"Does that make sense?","start":741.65,"end":742.87,"sentiment":"neutral","sentiment_score":0.09635341260582209},{"text":"So that is a that's kind of why I do want at least a bit of, a bit kind of certainty.","start":742.93,"end":748.21,"sentiment":"neutral","sentiment_score":0.06281292846515066},{"text":"It doesn't have to be exact because then, also, obviously, your income might increase and stuff like that.","start":748.21,"end":753.615,"sentiment":"neutral","sentiment_score":-0.06018940835363335},{"text":"And, again, they kind of go the other way.","start":753.83496,"end":755.915,"sentiment":"neutral","sentiment_score":-0.057220429389013186}],"sentiment":"neutral","sentiment_score":-0.022011126615578615,"num_words":79,"start":729.575,"end":755.915},{"sentences":[{"text":"So if we insure you for, let's say, 50,000 and in two years' time, your income is a 100,000 and you need to go on claim, again, it's only 70% of the 50,000 because that's the only amount we've insured.","start":755.915,"end":768.235,"sentiment":"neutral","sentiment_score":-0.03184451763518155},{"text":"Does Does that make sense?","start":768.235,"end":770.12,"sentiment":"neutral","sentiment_score":-0.2019363060593605},{"text":"Yeah.","start":772.57996,"end":773.07996,"sentiment":"neutral","sentiment_score":-0.00213855504989624},{"text":"So so do you think rough roughly, if we work with about 50,000, do you think that would be okay.","start":773.38,"end":786.355,"sentiment":"neutral","sentiment_score":-0.009307111776433886},{"text":"Mhmm.","start":789.055,"end":789.555,"sentiment":"neutral","sentiment_score":0.001841018907725811}],"sentiment":"neutral","sentiment_score":-0.0368642090652972,"num_words":67,"start":755.915,"end":789.555},{"sentences":[{"text":"Okay.","start":793.375,"end":793.875,"sentiment":"neutral","sentiment_score":0.007812698371708393},{"text":"At the the year the year before last?","start":794.255,"end":797.16,"sentiment":"neutral","sentiment_score":-0.004693609022069722},{"text":"Because sometimes they ask for payslips for, like, three years.","start":797.31995,"end":800.06,"sentiment":"neutral","sentiment_score":-0.021543911658227444},{"text":"The year before.","start":800.75995,"end":801.98,"sentiment":"neutral","sentiment_score":-0.01510323149462541},{"text":"Mhmm.","start":802.6,"end":803.1,"sentiment":"neutral","sentiment_score":-0.013243956491351128}],"sentiment":"neutral","sentiment_score":-0.013205606146189182,"num_words":23,"start":793.375,"end":803.1},{"sentences":[{"text":"Okay.","start":804.75995,"end":805.25995,"sentiment":"neutral","sentiment_score":0.010697735473513603},{"text":"And and do you remember, like, the year before that?","start":805.63995,"end":809.57996,"sentiment":"neutral","sentiment_score":-0.00007123043760657311},{"text":"Okay.","start":813.34503,"end":813.84503,"sentiment":"neutral","sentiment_score":0.007756349630653858},{"text":"Okay.","start":819.42505,"end":819.92505,"sentiment":"neutral","sentiment_score":0.008206618018448353},{"text":"Mhmm.","start":825.74506,"end":826.22504,"sentiment":"neutral","sentiment_score":-0.021158304065465927}],"sentiment":"neutral","sentiment_score":0.00034214962007743973,"num_words":14,"start":804.75995,"end":826.22504},{"sentences":[{"text":"Yeah.","start":826.22504,"end":826.53,"sentiment":"neutral","sentiment_score":-0.004868123680353165},{"text":"Okay.","start":828.37006,"end":828.87006,"sentiment":"neutral","sentiment_score":0.04606115072965622},{"text":"Yeah.","start":829.09,"end":829.59,"sentiment":"neutral","sentiment_score":0.04549049586057663},{"text":"Yeah.","start":829.65,"end":830.15,"sentiment":"neutral","sentiment_score":0.05875355377793312},{"text":"Yeah.","start":833.41003,"end":833.91003,"sentiment":"neutral","sentiment_score":0.202298641204834}],"sentiment":"neutral","sentiment_score":0.06954714357852936,"num_words":5,"start":826.22504,"end":833.91003},{"sentences":[{"text":"Yeah.","start":834.37006,"end":834.87006,"sentiment":"positive","sentiment_score":0.4251865148544311},{"text":"Yeah.","start":835.73004,"end":836.23004,"sentiment":"neutral","sentiment_score":0.103835329413414},{"text":"No.","start":836.45,"end":836.69,"sentiment":"neutral","sentiment_score":0.02703478187322617},{"text":"Definitely.","start":836.69,"end":837.19,"sentiment":"neutral","sentiment_score":0.034910451620817184},{"text":"Well, it pretty it sounds pretty much that we we if you are happy to do so, if it does vary between that 47 and 52, if you wanted to do the 50 as kind of like a a middle, then we can start there, and we can always change it and reassess it, obviously, depending your health, obviously, how things change for you.","start":837.65,"end":856.89,"sentiment":"neutral","sentiment_score":0.08210126898484305}],"sentiment":"neutral","sentiment_score":0.08596247489399769,"num_words":68,"start":834.37006,"end":856.89},{"sentences":[{"text":"Yep.","start":857.99,"end":858.47,"sentiment":"neutral","sentiment_score":0.008725926280021667},{"text":"Okay.","start":858.47,"end":858.95,"sentiment":"neutral","sentiment_score":0.30109483003616333},{"text":"Perfect.","start":858.95,"end":859.45,"sentiment":"positive","sentiment_score":0.4167276024818421},{"text":"Now with income protection as well, you can have different waiting and benefit period.","start":860.07,"end":865.20996,"sentiment":"neutral","sentiment_score":0.08261155736233507},{"text":"So the waiting period is how long you have to wait until you can start claiming on the policy.","start":866.14996,"end":872.105,"sentiment":"neutral","sentiment_score":0.01968134831833212}],"sentiment":"neutral","sentiment_score":0.06269599388663967,"num_words":36,"start":857.99,"end":872.105},{"sentences":[{"text":"Now last time, we were looking about a thirty date waiting, which is typically your shortest one, and most policies are then also paid thirty days in arrears.","start":872.725,"end":882.13,"sentiment":"neutral","sentiment_score":-0.06214444299361536},{"text":"So that means that typically you wait about two months before that that income protection will kick in.","start":882.13,"end":887.91003,"sentiment":"neutral","sentiment_score":-0.055708061489793986},{"text":"Do you think you could last longer financially without the income, or do you think that would be pretty tight?","start":888.29004,"end":893.175,"sentiment":"neutral","sentiment_score":-0.23672595098614693},{"text":"Tight?","start":897.735,"end":898.235,"sentiment":"neutral","sentiment_score":-0.09126469492912292},{"text":"Okay.","start":899.415,"end":899.915,"sentiment":"neutral","sentiment_score":0.02861124649643898}],"sentiment":"neutral","sentiment_score":-0.11088179380578153,"num_words":68,"start":872.725,"end":899.915},{"sentences":[{"text":"Yeah.","start":901.495,"end":901.89496,"sentiment":"neutral","sentiment_score":0.0445006862282753},{"text":"Okay.","start":901.89496,"end":902.39496,"sentiment":"neutral","sentiment_score":0.051532939076423645},{"text":"So my yeah.","start":903.255,"end":906.63,"sentiment":"neutral","sentiment_score":0.02541478785375754},{"text":"Yep.","start":908.55,"end":909.05,"sentiment":"neutral","sentiment_score":0.04226604104042053},{"text":"Okay.","start":909.35,"end":909.83,"sentiment":"neutral","sentiment_score":-0.0092264823615551}],"sentiment":"neutral","sentiment_score":0.029331078220691,"num_words":7,"start":901.495,"end":909.83},{"sentences":[{"text":"Maybe we'll leave it at that 30 then if you're happy with that and see how much Yeah.","start":909.83,"end":916.97003,"sentiment":"neutral","sentiment_score":-0.09231820123063193},{"text":"Okay.","start":919.75,"end":920.175,"sentiment":"neutral","sentiment_score":0.03143085166811943},{"text":"Yeah.","start":920.495,"end":920.995,"sentiment":"neutral","sentiment_score":0.008906582370400429},{"text":"Now there are some that pay fifteen days in arrears, so a little bit shorter.","start":921.135,"end":925.795,"sentiment":"neutral","sentiment_score":-0.10199202795823416},{"text":"So I'll factor that in as well and see if we can find whatever is gonna be the shortest for you.","start":926.095,"end":931.635,"sentiment":"neutral","sentiment_score":-0.005684479184093929}],"sentiment":"neutral","sentiment_score":-0.05840436911343464,"num_words":56,"start":909.83,"end":931.635},{"sentences":[{"text":"I'll factor that.","start":932.33496,"end":935.56,"sentiment":"neutral","sentiment_score":-0.14226714149117473},{"text":"Yeah.","start":936.42,"end":936.92,"sentiment":"neutral","sentiment_score":-0.08519844710826874},{"text":"Yeah.","start":937.78,"end":938.28,"sentiment":"neutral","sentiment_score":-0.07771970331668854},{"text":"But no.","start":938.5,"end":940.2,"sentiment":"neutral","sentiment_score":-0.15840420126914978},{"text":"Yeah.","start":940.42,"end":940.82,"sentiment":"neutral","sentiment_score":-0.052504658699035645}],"sentiment":"neutral","sentiment_score":-0.11987907951697707,"num_words":8,"start":932.33496,"end":940.82},{"sentences":[{"text":"No.","start":940.82,"end":941.22003,"sentiment":"neutral","sentiment_score":-0.06444814056158066},{"text":"Perfect.","start":941.22003,"end":941.62,"sentiment":"neutral","sentiment_score":0.296535849571228},{"text":"I'll have a look at that for you.","start":941.62,"end":943.4,"sentiment":"neutral","sentiment_score":0.23769646883010864},{"text":"Now the other thing is then your benefit period.","start":943.46,"end":947.3,"sentiment":"neutral","sentiment_score":0.06344715630014737},{"text":"So how long you can be on claim if something were to happen.","start":947.3,"end":950.975,"sentiment":"neutral","sentiment_score":0.060731276869773865}],"sentiment":"neutral","sentiment_score":0.10919345205184072,"num_words":32,"start":940.82,"end":950.975},{"sentences":[{"text":"Now we can look at two years, five years, all the way up to the age of 65.","start":951.51495,"end":957.21497,"sentiment":"neutral","sentiment_score":0.023765585488743253},{"text":"Obviously, age 65 is the most expensive, but also the most comprehensive.","start":957.51495,"end":961.77496,"sentiment":"neutral","sentiment_score":-0.0018350531075460215},{"text":"Last time, we were looking at kind of that middle ground of five years.","start":963.27496,"end":966.87006,"sentiment":"neutral","sentiment_score":0.004746733366378716},{"text":"What are your thoughts now?","start":967.57,"end":969.11005,"sentiment":"neutral","sentiment_score":0.01378939226269722},{"text":"Probably about the same?","start":971.57,"end":972.45,"sentiment":"neutral","sentiment_score":0.03878833679482341}],"sentiment":"neutral","sentiment_score":0.013138009002432227,"num_words":53,"start":951.51495,"end":972.45},{"sentences":[{"text":"Okay.","start":972.45,"end":972.85004,"sentiment":"neutral","sentiment_score":0.17466457188129425},{"text":"Perfect.","start":972.85004,"end":973.33,"sentiment":"neutral","sentiment_score":0.3329504430294037},{"text":"Around five years.","start":973.33,"end":974.71,"sentiment":"neutral","sentiment_score":0.1535447140534719},{"text":"You prefer to have from within your superannuation so you don't have to pay for them out of pocket?","start":975.65,"end":981.045,"sentiment":"neutral","sentiment_score":0.17742281014982023},{"text":"Yes.","start":983.985,"end":984.385,"sentiment":"neutral","sentiment_score":0.12422825396060944}],"sentiment":"neutral","sentiment_score":0.1785404321551323,"num_words":25,"start":972.45,"end":984.385},{"sentences":[{"text":"Yep.","start":984.385,"end":984.885,"sentiment":"neutral","sentiment_score":0.10852696746587752},{"text":"Yes.","start":985.825,"end":986.225,"sentiment":"neutral","sentiment_score":0.08180485665798187},{"text":"So the, like, the cost for that.","start":986.225,"end":988.08496,"sentiment":"neutral","sentiment_score":0.04126140262399401},{"text":"Yep.","start":989.02496,"end":989.505,"sentiment":"neutral","sentiment_score":0.1217910572886467},{"text":"From super.","start":989.505,"end":990.3,"sentiment":"neutral","sentiment_score":0.1511764898896217}],"sentiment":"neutral","sentiment_score":0.0752754732966423,"num_words":12,"start":984.385,"end":990.3},{"sentences":[{"text":"Now while we are through Exactly.","start":990.62,"end":998.32,"sentiment":"neutral","sentiment_score":0.005780232449372609},{"text":"Yes.","start":998.77997,"end":999.27997,"sentiment":"neutral","sentiment_score":0.0715184360742569},{"text":"Now with that as well, because, obviously, it's from your income.","start":1001.18,"end":1005.235,"sentiment":"neutral","sentiment_score":0.028742745180021633},{"text":"So in order for me to be able to kind of do a bit of a, I guess, a review of your super as well while we're kind of doing everything, with the contributions, so, obviously, the job when you are now an employee, you will get paid the minimum at least 12% contributions into superannuation.","start":1005.235,"end":1023.89996,"sentiment":"neutral","sentiment_score":0.05933442099818161},{"text":"So for me to kind of calculate that for you, again, it is tricky because you don't really know your income.","start":1026.92,"end":1033.545,"sentiment":"neutral","sentiment_score":-0.04593488999775478}],"sentiment":"neutral","sentiment_score":0.029268051723116324,"num_words":95,"start":990.62,"end":1033.545},{"sentences":[{"text":"If it's about 50,000 combined, how much do you think of that would come from your from your from your job?","start":1035.445,"end":1044.9,"sentiment":"neutral","sentiment_score":-0.030769133984687783},{"text":"Would you say, like, 30,000?","start":1044.9,"end":1046.76,"sentiment":"neutral","sentiment_score":-0.03282846249639988},{"text":"Would you say a bit more around the 40 thousand from from when you are employee?","start":1047.2999,"end":1053.48,"sentiment":"neutral","sentiment_score":-0.016865463345311582},{"text":"Yeah.","start":1055.62,"end":1056.105,"sentiment":"neutral","sentiment_score":-0.017957273870706558},{"text":"Yeah.","start":1062.825,"end":1063.145,"sentiment":"neutral","sentiment_score":0.010076098144054413}],"sentiment":"neutral","sentiment_score":-0.02472778898663819,"num_words":44,"start":1035.445,"end":1063.145},{"sentences":[{"text":"Sure.","start":1063.145,"end":1063.645,"sentiment":"neutral","sentiment_score":0.017422616481781006},{"text":"Yeah.","start":1065.145,"end":1065.645,"sentiment":"neutral","sentiment_score":0.027011040598154068},{"text":"Oh, perfect.","start":1071.465,"end":1072.36,"sentiment":"positive","sentiment_score":0.37783315777778625},{"text":"Mhmm.","start":1081.22,"end":1081.54,"sentiment":"neutral","sentiment_score":0.03465886414051056},{"text":"Okay.","start":1081.54,"end":1082.04,"sentiment":"neutral","sentiment_score":0.10105322301387788}],"sentiment":"neutral","sentiment_score":0.15596867663164934,"num_words":6,"start":1063.145,"end":1082.04},{"sentences":[{"text":"Perfect.","start":1082.1,"end":1082.6,"sentiment":"neutral","sentiment_score":0.22729240357875824},{"text":"From in contributions.","start":1082.8201,"end":1083.795,"sentiment":"neutral","sentiment_score":0.05835052082935969},{"text":"Mhmm.","start":1115.745,"end":1116.245,"sentiment":"neutral","sentiment_score":-0.060093238949775696},{"text":"Mhmm.","start":1133.585,"end":1134.085,"sentiment":"neutral","sentiment_score":-0.05070316791534424},{"text":"That's good.","start":1146.465,"end":1148.73,"sentiment":"neutral","sentiment_score":0.09038069471716882}],"sentiment":"neutral","sentiment_score":0.059038618579506874,"num_words":8,"start":1082.1,"end":1148.73},{"sentences":[{"text":"Okay.","start":1153.11,"end":1153.61,"sentiment":"neutral","sentiment_score":-0.02604215405881405},{"text":"Yeah.","start":1158.79,"end":1159.29,"sentiment":"neutral","sentiment_score":-0.11732369661331175},{"text":"Okay.","start":1159.51,"end":1159.83,"sentiment":"neutral","sentiment_score":-0.1031639724969864},{"text":"Yeah.","start":1159.83,"end":1159.99,"sentiment":"neutral","sentiment_score":-0.13902798295021057},{"text":"Because if last yeah.","start":1159.99,"end":1165.3551,"sentiment":"neutral","sentiment_score":-0.32059401273727417}],"sentiment":"neutral","sentiment_score":-0.20849173213355243,"num_words":8,"start":1153.11,"end":1165.3551},{"sentences":[{"text":"So if it so if if you said last year, it was 67, the year before 60 three, Mhmm.","start":1166.535,"end":1186.515,"sentiment":"neutral","sentiment_score":-0.04275216201418325},{"text":"Mhmm.","start":1193.635,"end":1194.135,"sentiment":"neutral","sentiment_score":-0.0027495273388922215},{"text":"Yep.","start":1196.595,"end":1197.095,"sentiment":"neutral","sentiment_score":0.01440163142979145},{"text":"No.","start":1200.835,"end":1201.0751,"sentiment":"neutral","sentiment_score":-0.11613110452890396},{"text":"That's okay.","start":1201.0751,"end":1201.875,"sentiment":"neutral","sentiment_score":-0.08062620460987091}],"sentiment":"neutral","sentiment_score":-0.04491760366363451,"num_words":24,"start":1166.535,"end":1201.875},{"sentences":[{"text":"Take your time.","start":1201.875,"end":1205.3,"sentiment":"neutral","sentiment_score":-0.11354052523771922},{"text":"No.","start":1205.84,"end":1206.0,"sentiment":"neutral","sentiment_score":-0.04584576189517975},{"text":"That's okay.","start":1206.0,"end":1206.8201,"sentiment":"neutral","sentiment_score":-0.007825519423931837},{"text":"Mhmm.","start":1236.57,"end":1237.07,"sentiment":"neutral","sentiment_score":0.012965960428118706},{"text":"Yep.","start":1239.37,"end":1239.87,"sentiment":"neutral","sentiment_score":-0.0138104185461998}],"sentiment":"neutral","sentiment_score":-0.05037035432178527,"num_words":8,"start":1201.875,"end":1239.87},{"sentences":[{"text":"Okay.","start":1241.37,"end":1241.77,"sentiment":"neutral","sentiment_score":0.1955096572637558},{"text":"Perfect.","start":1241.77,"end":1242.17,"sentiment":"positive","sentiment_score":0.44055286049842834},{"text":"And that's just from at that business, that's not when you are doing your mhmm.","start":1242.17,"end":1257.245,"sentiment":"neutral","sentiment_score":0.08329388741403818},{"text":"Okay.","start":1257.245,"end":1257.6,"sentiment":"neutral","sentiment_score":0.0298886951059103},{"text":"Yes.","start":1262.16,"end":1262.66,"sentiment":"neutral","sentiment_score":0.03494541347026825}],"sentiment":"neutral","sentiment_score":0.10264762829204924,"num_words":19,"start":1241.37,"end":1262.66},{"sentences":[{"text":"Mhmm.","start":1269.9199,"end":1270.275,"sentiment":"neutral","sentiment_score":0.0027571222744882107},{"text":"Mhmm.","start":1291.37,"end":1291.87,"sentiment":"neutral","sentiment_score":-0.02580690011382103},{"text":"Mhmm.","start":1301.865,"end":1302.365,"sentiment":"neutral","sentiment_score":-0.005098874215036631},{"text":"Yep.","start":1313.2401,"end":1313.64,"sentiment":"neutral","sentiment_score":0.09917815029621124},{"text":"Perfect.","start":1313.64,"end":1314.14,"sentiment":"neutral","sentiment_score":0.22663313150405884}],"sentiment":"neutral","sentiment_score":0.059532525949180126,"num_words":5,"start":1269.9199,"end":1314.14},{"sentences":[{"text":"That's okay.","start":1328.9349,"end":1329.815,"sentiment":"neutral","sentiment_score":0.3230895549058914},{"text":"It's good we get the, you know, correct information for especially with insurances.","start":1329.815,"end":1333.44,"sentiment":"positive","sentiment_score":0.45733514428138733},{"text":"Yep.","start":1344.08,"end":1344.58,"sentiment":"neutral","sentiment_score":0.0767844095826149},{"text":"Mhmm.","start":1354.1749,"end":1354.6749,"sentiment":"neutral","sentiment_score":0.04270457103848457},{"text":"Yep.","start":1356.815,"end":1357.315,"sentiment":"neutral","sentiment_score":0.07536067068576813}],"sentiment":"positive","sentiment_score":0.37702142426537144,"num_words":18,"start":1328.9349,"end":1357.315},{"sentences":[{"text":"Mhmm.","start":1362.83,"end":1363.33,"sentiment":"neutral","sentiment_score":-0.005409504286944866},{"text":"Yep.","start":1377.005,"end":1377.505,"sentiment":"neutral","sentiment_score":0.09597768634557724},{"text":"Yep.","start":1379.965,"end":1380.365,"sentiment":"neutral","sentiment_score":0.08639635890722275},{"text":"So pretty pretty similar.","start":1380.365,"end":1381.59,"sentiment":"neutral","sentiment_score":0.12421761639416218},{"text":"Yep.","start":1385.83,"end":1386.33,"sentiment":"neutral","sentiment_score":0.1014346107840538}],"sentiment":"neutral","sentiment_score":0.0969087021658197,"num_words":8,"start":1362.83,"end":1386.33},{"sentences":[{"text":"Yep.","start":1390.63,"end":1391.11,"sentiment":"neutral","sentiment_score":0.1595437079668045},{"text":"Yep.","start":1391.11,"end":1391.61,"sentiment":"neutral","sentiment_score":0.18283411860466003},{"text":"Yep.","start":1396.71,"end":1396.95,"sentiment":"neutral","sentiment_score":0.2348400801420212},{"text":"I can do all of that.","start":1396.95,"end":1397.985,"sentiment":"positive","sentiment_score":0.356788769364357},{"text":"Yeah.","start":1397.985,"end":1398.485,"sentiment":"neutral","sentiment_score":0.25683826208114624}],"sentiment":"neutral","sentiment_score":0.2974788784980774,"num_words":10,"start":1390.63,"end":1398.485},{"sentences":[{"text":"Take 11% off that.","start":1398.545,"end":1400.245,"sentiment":"neutral","sentiment_score":0.20939826220273972},{"text":"I'll write it down, and then I can do all of the back end so you don't have to worry about 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includes the GST as well?","start":1425.865,"end":1428.525,"sentiment":"neutral","sentiment_score":0.1257371295775686}],"sentiment":"neutral","sentiment_score":0.17497029155492783,"num_words":11,"start":1412.7,"end":1428.525},{"sentences":[{"text":"Yep.","start":1431.065,"end":1431.465,"sentiment":"neutral","sentiment_score":0.08392097800970078},{"text":"Yep.","start":1431.465,"end":1431.785,"sentiment":"neutral","sentiment_score":0.1417854130268097},{"text":"Perfect.","start":1431.785,"end":1432.265,"sentiment":"neutral","sentiment_score":0.2791941165924072},{"text":"So from the business.","start":1432.265,"end":1433.405,"sentiment":"neutral","sentiment_score":0.0958158764988184},{"text":"Yep.","start":1435.785,"end":1436.285,"sentiment":"neutral","sentiment_score":0.08118147403001785}],"sentiment":"neutral","sentiment_score":0.12116818595677614,"num_words":8,"start":1431.065,"end":1436.285},{"sentences":[{"text":"Yep.","start":1436.905,"end":1437.385,"sentiment":"neutral","sentiment_score":0.04016778990626335},{"text":"Yep.","start":1437.385,"end":1437.885,"sentiment":"neutral","sentiment_score":0.031064406037330627},{"text":"Yes.","start":1439.785,"end":1439.97,"sentiment":"neutral","sentiment_score":0.05246846377849579},{"text":"Yeah.","start":1440.85,"end":1441.35,"sentiment":"neutral","sentiment_score":0.06763271987438202},{"text":"Yeah.","start":1445.49,"end":1445.97,"sentiment":"neutral","sentiment_score":0.0721902996301651}],"sentiment":"neutral","sentiment_score":0.05270473584532738,"num_words":5,"start":1436.905,"end":1445.97},{"sentences":[{"text":"Yeah.","start":1445.97,"end":1446.47,"sentiment":"neutral","sentiment_score":0.08178221434354782},{"text":"Exactly.","start":1446.53,"end":1447.03,"sentiment":"neutral","sentiment_score":0.12485500425100328},{"text":"Okay.","start":1447.57,"end":1447.97,"sentiment":"neutral","sentiment_score":0.1212361305952072},{"text":"Well, that gives me a bit more, I guess, clarity on the figures.","start":1447.97,"end":1451.49,"sentiment":"neutral","sentiment_score":0.04561513318465306},{"text":"So I will kind of count that, and I'll obviously, you said your income for this year would be little bit reduced, obviously, because you are now employed.","start":1451.49,"end":1462.965,"sentiment":"neutral","sentiment_score":-0.06005064504487174}],"sentiment":"neutral","sentiment_score":-0.01728518137877638,"num_words":44,"start":1445.97,"end":1462.965},{"sentences":[{"text":"So yeah.","start":1464.9451,"end":1469.01,"sentiment":"neutral","sentiment_score":-0.018678768537938595},{"text":"Yeah.","start":1481.49,"end":1481.745,"sentiment":"neutral","sentiment_score":0.006135286763310432},{"text":"Yeah.","start":1486.465,"end":1486.965,"sentiment":"neutral","sentiment_score":-0.06084473803639412},{"text":"Yeah.","start":1493.025,"end":1493.525,"sentiment":"neutral","sentiment_score":-0.1469210535287857},{"text":"Mhmm.","start":1504.48,"end":1504.98,"sentiment":"neutral","sentiment_score":-0.23514720797538757}],"sentiment":"neutral","sentiment_score":-0.07902254164218903,"num_words":6,"start":1464.9451,"end":1504.98},{"sentences":[{"text":"Yeah.","start":1510.6849,"end":1511.1849,"sentiment":"neutral","sentiment_score":-0.06509965658187866},{"text":"Yeah.","start":1514.0449,"end":1514.5449,"sentiment":"neutral","sentiment_score":-0.033330339938402176},{"text":"Yeah.","start":1515.565,"end":1516.065,"sentiment":"neutral","sentiment_score":0.1870368719100952},{"text":"Exactly.","start":1516.205,"end":1516.705,"sentiment":"neutral","sentiment_score":0.26705124974250793},{"text":"Yeah.","start":1517.325,"end":1517.645,"sentiment":"neutral","sentiment_score":0.13540980219841003}],"sentiment":"neutral","sentiment_score":0.09821358546614647,"num_words":5,"start":1510.6849,"end":1517.645},{"sentences":[{"text":"Okay.","start":1517.645,"end":1517.965,"sentiment":"neutral","sentiment_score":0.15192101895809174},{"text":"Well, I will work with these numbers and do that.","start":1517.965,"end":1521.38,"sentiment":"neutral","sentiment_score":0.2556755468249321},{"text":"And, obviously, he will pay the regular contributions into super for you as well now when you're employed, which is good, which will obviously change that.","start":1521.38,"end":1530.02,"sentiment":"neutral","sentiment_score":0.21689483236808044},{"text":"So it is good.","start":1530.02,"end":1530.98,"sentiment":"positive","sentiment_score":0.5493142530322075},{"text":"I'll review your super a little bit as well, obviously, with that because there's been some changes with that.","start":1530.98,"end":1538.165,"sentiment":"neutral","sentiment_score":0.16881114322888224}],"sentiment":"neutral","sentiment_score":0.22921018103758495,"num_words":60,"start":1517.645,"end":1538.165},{"sentences":[{"text":"But aside from that, you are not making any contributions yourself from your business.","start":1538.165,"end":1543.2051,"sentiment":"neutral","sentiment_score":-0.046513602536703856},{"text":"It's just no.","start":1543.2051,"end":1544.5851,"sentiment":"neutral","sentiment_score":-0.13026984532674155},{"text":"Okay.","start":1558.11,"end":1558.4299,"sentiment":"neutral","sentiment_score":-0.0030360911041498184},{"text":"Yeah.","start":1558.4299,"end":1558.9299,"sentiment":"neutral","sentiment_score":-0.0033366885036230087},{"text":"Yep.","start":1565.645,"end":1566.145,"sentiment":"neutral","sentiment_score":-0.016224492341279984}],"sentiment":"neutral","sentiment_score":-0.05322986217215657,"num_words":20,"start":1538.165,"end":1566.145},{"sentences":[{"text":"Oh, yeah.","start":1573.645,"end":1574.07,"sentiment":"neutral","sentiment_score":0.08301518112421036},{"text":"Yep.","start":1574.63,"end":1575.13,"sentiment":"neutral","sentiment_score":0.16210004687309265},{"text":"Yeah.","start":1577.11,"end":1577.59,"sentiment":"neutral","sentiment_score":0.18689674139022827},{"text":"And we can we can definitely have a look at that for you.","start":1577.59,"end":1580.23,"sentiment":"neutral","sentiment_score":0.28323570352334243},{"text":"When when you get to that point, just let us know, and we can always, you know, run the numbers and and do that calculation and everything for you just to see that's all kind of aligning.","start":1580.23,"end":1588.97,"sentiment":"neutral","sentiment_score":0.11864331616340457}],"sentiment":"neutral","sentiment_score":0.15901655545113264,"num_words":54,"start":1573.645,"end":1588.97},{"sentences":[{"text":"So with a little yeah.","start":1589.945,"end":1600.265,"sentiment":"neutral","sentiment_score":0.01571507304906845},{"text":"Yep.","start":1600.265,"end":1600.745,"sentiment":"neutral","sentiment_score":0.005516785196959972},{"text":"No.","start":1600.745,"end":1600.985,"sentiment":"neutral","sentiment_score":-0.056501053273677826},{"text":"That's alright.","start":1600.985,"end":1601.8049,"sentiment":"neutral","sentiment_score":0.039814820513129234},{"text":"Yep.","start":1602.8601,"end":1603.18,"sentiment":"neutral","sentiment_score":0.1192656308412552}],"sentiment":"neutral","sentiment_score":0.022648636903613805,"num_words":10,"start":1589.945,"end":1603.18},{"sentences":[{"text":"So I'll have a little review of that for you.","start":1603.18,"end":1605.3601,"sentiment":"neutral","sentiment_score":0.1881166510283947},{"text":"Now just quickly back to insurances.","start":1605.8201,"end":1607.68,"sentiment":"neutral","sentiment_score":0.03445904732992252},{"text":"I do wanna just triple check as well.","start":1609.26,"end":1611.18,"sentiment":"neutral","sentiment_score":0.06844278750941157},{"text":"Last time, you said that you didn't wanna look at trauma insurance because you have to pay for that out of pocket to cover you for traumatic events.","start":1611.18,"end":1618.375,"sentiment":"neutral","sentiment_score":-0.1396525213494897},{"text":"Is that still the case?","start":1618.515,"end":1619.875,"sentiment":"neutral","sentiment_score":-0.10777411907911301}],"sentiment":"neutral","sentiment_score":-0.03181891401478073,"num_words":57,"start":1603.18,"end":1619.875},{"sentences":[{"text":"It's not really something you're interested in looking at right now?","start":1619.875,"end":1622.855,"sentiment":"neutral","sentiment_score":-0.32211488078941},{"text":"Yeah.","start":1626.275,"end":1626.775,"sentiment":"neutral","sentiment_score":-0.05068272724747658},{"text":"So trauma, it's yeah.","start":1626.995,"end":1629.075,"sentiment":"neutral","sentiment_score":-0.10141817107796669},{"text":"So it is a bit different through income protection and PPD because you don't have to prove that you are unable to go back to work.","start":1629.075,"end":1637.14,"sentiment":"neutral","sentiment_score":-0.20322307801017395},{"text":"So how it's different is, like, for for example, let's say you have a heart attack and you end up in hospital, you will then be paid out a a tax free lump sum directly to your back pocket through assist.","start":1637.4401,"end":1647.875,"sentiment":"neutral","sentiment_score":-0.06041661922524615}],"sentiment":"neutral","sentiment_score":-0.1416927773101502,"num_words":83,"start":1619.875,"end":1647.875},{"sentences":[{"text":"So that if if you wanna take some time off work or if you need a loved one to come and assist, or if you have any medical bills and stuff like that that's not covered, that's when this insurance policy come in pretty handy because you don't have to meet those conditions of proving that you can't work.","start":1648.3351,"end":1666.45,"sentiment":"neutral","sentiment_score":-0.060207309643343344},{"text":"As long as you get that diagnosis and it's on the the forms, then you are able to get the policy paid out.","start":1666.45,"end":1674.15,"sentiment":"neutral","sentiment_score":0.030426186387953552},{"text":"So it is one that you probably probably receive gets claimed on the most because you don't have to meet those definitions, but it is different.","start":1675.73,"end":1684.115,"sentiment":"neutral","sentiment_score":0.004725534612169633},{"text":"It's not income replacement or anything like that.","start":1684.115,"end":1686.5951,"sentiment":"neutral","sentiment_score":-0.16407426167279482},{"text":"It is just to cover you for traumatic effect.","start":1686.5951,"end":1689.255,"sentiment":"neutral","sentiment_score":-0.08896488903297319}],"sentiment":"neutral","sentiment_score":-0.03874274541437626,"num_words":125,"start":1648.3351,"end":1689.255},{"sentences":[{"text":"But it is a policy you have to pay for out of pocket because you can't have an inside super.","start":1689.635,"end":1695.28,"sentiment":"neutral","sentiment_score":-0.16105904728174208},{"text":"Yeah.","start":1697.34,"end":1697.74,"sentiment":"neutral","sentiment_score":0.2205183506011963},{"text":"Happy to leave it for now or Yep.","start":1697.74,"end":1700.86,"sentiment":"positive","sentiment_score":0.4089485891163349},{"text":"Yep.","start":1700.86,"end":1701.36,"sentiment":"neutral","sentiment_score":0.14383059740066528},{"text":"Okay.","start":1701.66,"end":1702.16,"sentiment":"positive","sentiment_score":0.37115010619163513}],"sentiment":"neutral","sentiment_score":0.025351832951268843,"num_words":31,"start":1689.635,"end":1702.16},{"sentences":[{"text":"Perfect.","start":1702.22,"end":1702.72,"sentiment":"positive","sentiment_score":0.6110734939575195},{"text":"Now, otherwise, I do wanna just quickly run through a bit of an updated fact find to see if there's anything else that's changed so I can prepare this all for you.","start":1703.74,"end":1713.415,"sentiment":"neutral","sentiment_score":0.31152920005843043},{"text":"Now I do have here next of Ken Aaron.","start":1714.035,"end":1717.895,"sentiment":"neutral","sentiment_score":0.0846995280848609},{"text":"Is that still the case?","start":1718.275,"end":1719.415,"sentiment":"neutral","sentiment_score":0.055914533138275144},{"text":"Yep.","start":1719.555,"end":1719.875,"sentiment":"neutral","sentiment_score":0.08264654129743576}],"sentiment":"neutral","sentiment_score":0.2438442261579136,"num_words":48,"start":1702.22,"end":1719.875},{"sentences":[{"text":"Perfect.","start":1719.875,"end":1720.35,"sentiment":"positive","sentiment_score":0.37993091344833374},{"text":"And I do have here that you have two financial dependents, and then your partner has three as well.","start":1721.3099,"end":1726.77,"sentiment":"neutral","sentiment_score":0.1703024510490267},{"text":"Yep.","start":1728.11,"end":1728.51,"sentiment":"neutral","sentiment_score":0.12179839611053468},{"text":"Perfect.","start":1728.51,"end":1729.01,"sentiment":"positive","sentiment_score":0.3678460717201233},{"text":"I've updated all your employment details.","start":1730.35,"end":1733.57,"sentiment":"neutral","sentiment_score":0.20785999794801077}],"sentiment":"neutral","sentiment_score":0.19116006924637727,"num_words":28,"start":1719.875,"end":1733.57},{"sentences":[{"text":"Asset wise, I have here your property loss was valued at about 600,000.","start":1734.6951,"end":1739.915,"sentiment":"neutral","sentiment_score":0.07231602961054215},{"text":"Yes.","start":1742.295,"end":1742.775,"sentiment":"neutral","sentiment_score":0.0800715833902359},{"text":"Perfect.","start":1742.775,"end":1743.275,"sentiment":"neutral","sentiment_score":0.19084495306015015},{"text":"And it was about 240,000 owing, roughly?","start":1743.3351,"end":1746.5701,"sentiment":"neutral","sentiment_score":0.033473680328045576},{"text":"Yes.","start":1751.3501,"end":1751.75,"sentiment":"neutral","sentiment_score":0.019729681313037872}],"sentiment":"neutral","sentiment_score":0.0636987115215996,"num_words":23,"start":1734.6951,"end":1751.75},{"sentences":[{"text":"Is that still the case, do you think?","start":1751.75,"end":1753.6901,"sentiment":"neutral","sentiment_score":0.00021917629055678844},{"text":"I am.","start":1759.8301,"end":1760.235,"sentiment":"neutral","sentiment_score":-0.11197426542639732},{"text":"Okay.","start":1762.875,"end":1763.355,"sentiment":"neutral","sentiment_score":0.067349374294281},{"text":"Perfect.","start":1763.355,"end":1763.835,"sentiment":"neutral","sentiment_score":0.15626931190490723},{"text":"So that's $2.80.","start":1763.835,"end":1765.455,"sentiment":"neutral","sentiment_score":0.08251116300622623}],"sentiment":"neutral","sentiment_score":0.01659713697930177,"num_words":15,"start":1751.75,"end":1765.455},{"sentences":[{"text":"I do ask yeah.","start":1766.155,"end":1768.335,"sentiment":"negative","sentiment_score":-0.37765437364578247},{"text":"Oh, yeah.","start":1769.755,"end":1770.575,"sentiment":"neutral","sentiment_score":0.009099725633859634},{"text":"Definitely.","start":1770.795,"end":1771.295,"sentiment":"neutral","sentiment_score":0.20126214623451233},{"text":"You're doing good.","start":1771.4349,"end":1772.495,"sentiment":"positive","sentiment_score":0.3779468238353729},{"text":"I also have here that you have a motor vehicle ride at about 3,000.","start":1773.09,"end":1777.75,"sentiment":"neutral","sentiment_score":0.0790089565728392}],"sentiment":"neutral","sentiment_score":0.03953374860187372,"num_words":24,"start":1766.155,"end":1777.75},{"sentences":[{"text":"Yep.","start":1779.49,"end":1779.99,"sentiment":"neutral","sentiment_score":0.006010589189827442},{"text":"But you don't have anything owing on that one?","start":1781.41,"end":1783.59,"sentiment":"neutral","sentiment_score":-0.056395603343844414},{"text":"Not No.","start":1784.77,"end":1785.745,"sentiment":"neutral","sentiment_score":-0.13904331624507904},{"text":"Not perfect.","start":1785.745,"end":1786.645,"sentiment":"neutral","sentiment_score":-0.06326523423194885},{"text":"Yeah.","start":1787.265,"end":1787.585,"sentiment":"neutral","sentiment_score":0.1025758981704712}],"sentiment":"neutral","sentiment_score":-0.05357273624589046,"num_words":15,"start":1779.49,"end":1787.585},{"sentences":[{"text":"Great.","start":1787.585,"end":1788.085,"sentiment":"neutral","sentiment_score":0.2758137583732605},{"text":"I do also have here savings in the bank was about 45,000.","start":1788.625,"end":1792.8049,"sentiment":"neutral","sentiment_score":0.13590579169491926},{"text":"Yeah.","start":1794.5449,"end":1795.025,"sentiment":"neutral","sentiment_score":0.04721396416425705},{"text":"Does that still roughly sound about the same?","start":1795.025,"end":1797.445,"sentiment":"neutral","sentiment_score":0.020689974538981915},{"text":"Oh, perfect.","start":1800.625,"end":1801.32,"sentiment":"neutral","sentiment_score":0.06303362548351288}],"sentiment":"neutral","sentiment_score":0.09356184458980958,"num_words":24,"start":1787.585,"end":1801.32},{"sentences":[{"text":"About 52.","start":1801.5599,"end":1802.86,"sentiment":"neutral","sentiment_score":0.01480800285935402},{"text":"Typically, you I do have another one here that you also had a separate saving account with your partner for about 20,000.","start":1808.2,"end":1814.655,"sentiment":"neutral","sentiment_score":0.01074586048806933},{"text":"That's sales.","start":1818.495,"end":1819.235,"sentiment":"neutral","sentiment_score":-0.03173401392996311},{"text":"You've got the 52.","start":1824.175,"end":1825.635,"sentiment":"neutral","sentiment_score":-0.01322450302541256},{"text":"Yeah.","start":1826.3351,"end":1826.8351,"sentiment":"neutral","sentiment_score":-0.007499940693378448}],"sentiment":"neutral","sentiment_score":0.004585772767783173,"num_words":31,"start":1801.5599,"end":1826.8351},{"sentences":[{"text":"K.","start":1826.975,"end":1827.09,"sentiment":"neutral","sentiment_score":-0.010743546299636364},{"text":"K.","start":1828.45,"end":1828.95,"sentiment":"neutral","sentiment_score":-0.010349474847316742},{"text":"Yeah.","start":1829.33,"end":1829.73,"sentiment":"neutral","sentiment_score":0.018505889922380447},{"text":"Yeah.","start":1829.73,"end":1830.23,"sentiment":"neutral","sentiment_score":0.016580890864133835},{"text":"Yeah.","start":1833.1699,"end":1833.57,"sentiment":"neutral","sentiment_score":0.020311206579208377}],"sentiment":"neutral","sentiment_score":0.00686099324375391,"num_words":5,"start":1826.975,"end":1833.57},{"sentences":[{"text":"Yeah.","start":1833.57,"end":1834.07,"sentiment":"neutral","sentiment_score":0.02182623371481895},{"text":"Any other assets, any other motor vehicles, or anything else?","start":1835.65,"end":1839.435,"sentiment":"neutral","sentiment_score":0.01922690412029624},{"text":"Else?","start":1839.435,"end":1839.935,"sentiment":"neutral","sentiment_score":-0.01234092004597187},{"text":"Nope.","start":1840.7151,"end":1841.2151,"sentiment":"neutral","sentiment_score":-0.12956437468528748},{"text":"Yep.","start":1842.4751,"end":1842.9751,"sentiment":"neutral","sentiment_score":-0.010419344529509544}],"sentiment":"neutral","sentiment_score":0.004412188261215176,"num_words":14,"start":1833.57,"end":1842.9751},{"sentences":[{"text":"Yep.","start":1843.675,"end":1844.175,"sentiment":"neutral","sentiment_score":0.07490643858909607},{"text":"Perfect.","start":1844.2351,"end":1844.7351,"sentiment":"neutral","sentiment_score":0.3016336262226105},{"text":"Any other liabilities, like personal loans or credit card or SIP pay?","start":1845.035,"end":1849.2151,"sentiment":"neutral","sentiment_score":0.04455394779021541},{"text":"No?","start":1852.4751,"end":1852.74,"sentiment":"neutral","sentiment_score":-0.03174203261733055},{"text":"Yep.","start":1857.3,"end":1857.7,"sentiment":"neutral","sentiment_score":0.02541632764041424}],"sentiment":"neutral","sentiment_score":0.05655385833233595,"num_words":16,"start":1843.675,"end":1857.7},{"sentences":[{"text":"And how much Okay.","start":1857.7,"end":1865.215,"sentiment":"neutral","sentiment_score":0.026612172834575176},{"text":"Perfect.","start":1865.215,"end":1865.715,"sentiment":"neutral","sentiment_score":0.22199302911758423},{"text":"Anything else?","start":1867.0549,"end":1867.875,"sentiment":"neutral","sentiment_score":0.06880536861717701},{"text":"No?","start":1872.575,"end":1872.8949,"sentiment":"neutral","sentiment_score":-0.03301088511943817},{"text":"Okay.","start":1872.8949,"end":1873.3949,"sentiment":"neutral","sentiment_score":-0.008959284983575344}],"sentiment":"neutral","sentiment_score":0.04712025417635838,"num_words":9,"start":1857.7,"end":1873.3949},{"sentences":[{"text":"Yeah.","start":1877.455,"end":1877.7749,"sentiment":"neutral","sentiment_score":0.05465082824230194},{"text":"Okay.","start":1877.7749,"end":1878.2749,"sentiment":"neutral","sentiment_score":0.10380101203918456},{"text":"Perfect.","start":1878.5,"end":1878.74,"sentiment":"neutral","sentiment_score":0.25022250413894653},{"text":"No.","start":1878.74,"end":1878.9,"sentiment":"neutral","sentiment_score":0.12069551646709442},{"text":"That's good.","start":1878.9,"end":1879.64,"sentiment":"neutral","sentiment_score":0.259498655796051}],"sentiment":"neutral","sentiment_score":0.17472786207993826,"num_words":6,"start":1877.455,"end":1879.64},{"sentences":[{"text":"And you've never been declared bankrupt or been under a part nine debt agreement?","start":1880.74,"end":1885.4,"sentiment":"neutral","sentiment_score":0.01143892907670566},{"text":"No.","start":1887.06,"end":1887.38,"sentiment":"neutral","sentiment_score":0.0013331752270460129},{"text":"Great.","start":1887.38,"end":1887.7001,"sentiment":"neutral","sentiment_score":0.26194843649864197},{"text":"Perfect.","start":1887.7001,"end":1888.2001,"sentiment":"neutral","sentiment_score":0.2522536516189575},{"text":"And are you still a nonsmoker?","start":1890.02,"end":1891.6749,"sentiment":"neutral","sentiment_score":0.06362045183777809}],"sentiment":"neutral","sentiment_score":0.045974042671530144,"num_words":23,"start":1880.74,"end":1891.6749},{"sentences":[{"text":"Yep.","start":1893.415,"end":1893.915,"sentiment":"neutral","sentiment_score":0.09707711637020112},{"text":"Great.","start":1893.975,"end":1894.475,"sentiment":"neutral","sentiment_score":0.20897486805915833},{"text":"And having a bit of a look at estate planning, do you have a will in place at all or a power of attorney?","start":1895.575,"end":1902.635,"sentiment":"neutral","sentiment_score":0.04324722941964865},{"text":"No.","start":1905.015,"end":1905.515,"sentiment":"neutral","sentiment_score":-0.0747375339269638},{"text":"Let me see here.","start":1906.3999,"end":1907.2,"sentiment":"neutral","sentiment_score":-0.03052831580862403}],"sentiment":"neutral","sentiment_score":0.03700434494643442,"num_words":31,"start":1893.415,"end":1907.2},{"sentences":[{"text":"And you don't have anyone else who makes, you know, financial decisions on your behalf?","start":1907.2,"end":1911.22,"sentiment":"neutral","sentiment_score":-0.056617591778437296},{"text":"No.","start":1915.0399,"end":1915.2,"sentiment":"neutral","sentiment_score":-0.08207516372203827},{"text":"Perfect.","start":1915.2,"end":1915.7,"sentiment":"neutral","sentiment_score":-0.006210073828697205},{"text":"And are you politically involved at all or earn any any income 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think, last time you mentioned your focus is just to kind of grow the business and just kind of focus on paying down the mortgage.","start":1933.445,"end":1953.315,"sentiment":"neutral","sentiment_score":0.07815660410008188}],"sentiment":"neutral","sentiment_score":0.09068636618780368,"num_words":66,"start":1925.445,"end":1953.315},{"sentences":[{"text":"Is there anything else that you were kind of, you know, working towards?","start":1953.315,"end":1957.095,"sentiment":"neutral","sentiment_score":0.045857917374143235},{"text":"Yeah?","start":1961.155,"end":1961.655,"sentiment":"neutral","sentiment_score":0.05334878712892532},{"text":"Oh, nice.","start":1969.8099,"end":1970.47,"sentiment":"neutral","sentiment_score":0.24348651990294456},{"text":"Mhmm.","start":1974.5299,"end":1974.7699,"sentiment":"neutral","sentiment_score":0.01788371428847313},{"text":"Yes.","start":1974.7699,"end":1975.2699,"sentiment":"neutral","sentiment_score":0.07415801286697388}],"sentiment":"neutral","sentiment_score":0.06825091555300686,"num_words":18,"start":1953.315,"end":1975.2699},{"sentences":[{"text":"Yeah.","start":1982.705,"end":1983.205,"sentiment":"neutral","sentiment_score":0.07234716415405273},{"text":"Yep.","start":1985.585,"end":1986.085,"sentiment":"neutral","sentiment_score":0.26227280497550964},{"text":"Perfect.","start":1986.3049,"end":1986.8049,"sentiment":"positive","sentiment_score":0.5539976358413696},{"text":"And I do wanna just confirm as well.","start":1987.4249,"end":1989.105,"sentiment":"neutral","sentiment_score":0.3059585466980934},{"text":"So with your super nominations, I have Audrey and Ollie about 50 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24.","start":2017.725,"end":2024.19,"sentiment":"neutral","sentiment_score":0.045217485955128305}],"sentiment":"neutral","sentiment_score":0.045327363120442304,"num_words":37,"start":2007.3251,"end":2024.19},{"sentences":[{"text":"And I do wanna check as well, do you still have Prime Super as well?","start":2025.21,"end":2029.0499,"sentiment":"neutral","sentiment_score":0.025299762686093647},{"text":"I think last time we spoke, there was about 10,000 or so in Prime 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yeah.","start":2064.3052,"end":2070.865,"sentiment":"neutral","sentiment_score":-0.09215424209833145},{"text":"Sorry.","start":2070.865,"end":2071.185,"sentiment":"neutral","sentiment_score":-0.15050242841243744},{"text":"I'll do that for you.","start":2071.185,"end":2072.0652,"sentiment":"neutral","sentiment_score":-0.08553680628538132}],"sentiment":"neutral","sentiment_score":0.037064135815440255,"num_words":44,"start":2050.36,"end":2072.0652},{"sentences":[{"text":"Now the process for me to do that research is a little bit tedious because Prime Trooper needs a wet science, a paper science, third party authority for me to do that research.","start":2072.0652,"end":2083.3398,"sentiment":"neutral","sentiment_score":-0.15344370833852075},{"text":"So what I'm going to do is I'm going to express post that to you.","start":2083.3398,"end":2087.52,"sentiment":"neutral","sentiment_score":-0.025931717082858085},{"text":"I will include a return envelope as well.","start":2088.22,"end":2091.175,"sentiment":"neutral","sentiment_score":0.07679369440302253},{"text":"If you could just sign that as soon as you get it, return it through me.","start":2091.635,"end":2095.815,"sentiment":"neutral","sentiment_score":0.07228771946392953},{"text":"As soon as I have that back, I'll send that off to Prime Super, and that will allow me to do that research for you and then get everything, you know, hopefully consolidated and sorted.","start":2095.955,"end":2106.38,"sentiment":"neutral","sentiment_score":0.10870422784771239}],"sentiment":"neutral","sentiment_score":0.0011493729897470118,"num_words":107,"start":2072.0652,"end":2106.38},{"sentences":[{"text":"Yep.","start":2107.8,"end":2108.28,"sentiment":"positive","sentiment_score":0.507936954498291},{"text":"Perfect.","start":2108.28,"end":2108.78,"sentiment":"positive","sentiment_score":0.73337721824646},{"text":"Yeah.","start":2109.24,"end":2109.72,"sentiment":"neutral","sentiment_score":0.20684629678726196},{"text":"So keep a lookout for that in the post.","start":2109.72,"end":2111.64,"sentiment":"neutral","sentiment_score":0.14922258423434365},{"text":"I will get the team to send that out to you either today or tomorrow.","start":2111.64,"end":2115.735,"sentiment":"neutral","sentiment_score":0.11373345206181208}],"sentiment":"neutral","sentiment_score":0.16656168550252914,"num_words":27,"start":2107.8,"end":2115.735},{"sentences":[{"text":"And then, obviously, just depending on Australia post, how long that takes.","start":2115.895,"end":2119.915,"sentiment":"neutral","sentiment_score":0.034732845767090716},{"text":"Now part of, obviously, reviewing your super as well is I do wanna have a bit of a review of your investment.","start":2121.8152,"end":2128.475,"sentiment":"neutral","sentiment_score":0.03342124802822417},{"text":"Some of the investments have done really well, but there's been one that's kind of underperformed a little bit that I would like to look at potentially changing through something better.","start":2129.45,"end":2140.985,"sentiment":"neutral","sentiment_score":-0.17790275788114918},{"text":"So one of your investment, which is the Benelung Australian Equity Fund, when you came on board, it was doing really, really well.","start":2140.985,"end":2148.105,"sentiment":"neutral","sentiment_score":0.008659117571685625},{"text":"It was that one that's kind of your active management component.","start":2148.105,"end":2151.965,"sentiment":"neutral","sentiment_score":-0.006360929681580852}],"sentiment":"neutral","sentiment_score":-0.04276499404887095,"num_words":99,"start":2115.895,"end":2151.965},{"sentences":[{"text":"But lately, it's of underperformed a little bit.","start":2153.225,"end":2156.12,"sentiment":"neutral","sentiment_score":-0.1776088085025549},{"text":"And one of the biggest reason is that one of the investments that they have in their funds is Corporate Travel Group, and they were suspended for trading because that reporting didn't really add up.","start":2156.12,"end":2168.76,"sentiment":"neutral","sentiment_score":-0.16697583347558975},{"text":"So they were suspended from trading, which meant that their their stock price and everything kind of went down.","start":2168.76,"end":2174.705,"sentiment":"neutral","sentiment_score":-0.20446459792162242},{"text":"So it is something I do wanna review for you because we wanna make sure that at all times, we have you in the best options possible.","start":2175.165,"end":2181.665,"sentiment":"neutral","sentiment_score":0.14848986143867174},{"text":"And, obviously, the markets and things are always always changing.","start":2182.205,"end":2185.96,"sentiment":"neutral","sentiment_score":0.03743712343275547}],"sentiment":"neutral","sentiment_score":-0.06834600512126479,"num_words":99,"start":2153.225,"end":2185.96},{"sentences":[{"text":"So it is important to keep reviewing it and, you know, swapping and changing investments if we need to to make sure they continue to do really well.","start":2185.96,"end":2194.54,"sentiment":"neutral","sentiment_score":0.08788572557802711},{"text":"So I'll do that research for you as well just to make sure if we can, you know, improve that a little bit for you and and have a have a look.","start":2195.72,"end":2204.0251,"sentiment":"neutral","sentiment_score":0.18568905186839402},{"text":"And I'm not sure if you've had a look at our recent newsletter at all.","start":2204.0251,"end":2209.065,"sentiment":"neutral","sentiment_score":-0.04518872102101644},{"text":"Is that something you kind of read every now and then?","start":2209.065,"end":2211.145,"sentiment":"neutral","sentiment_score":-0.005192525176839395},{"text":"Or Not really.","start":2211.145,"end":2212.205,"sentiment":"neutral","sentiment_score":-0.2701113522052765}],"sentiment":"neutral","sentiment_score":0.07705131828198943,"num_words":89,"start":2185.96,"end":2212.205},{"sentences":[{"text":"Yeah.","start":2215.24,"end":2215.74,"sentiment":"neutral","sentiment_score":-0.022851668298244476},{"text":"Yeah.","start":2224.92,"end":2225.42,"sentiment":"neutral","sentiment_score":-0.30011433362960815},{"text":"Yeah.","start":2226.2,"end":2226.7,"sentiment":"neutral","sentiment_score":-0.17464950680732727},{"text":"So yeah.","start":2228.295,"end":2229.4949,"sentiment":"neutral","sentiment_score":-0.0027401167899370193},{"text":"So with the with Anita, I was going to say as well.","start":2229.4949,"end":2232.535,"sentiment":"neutral","sentiment_score":0.06532844994217157}],"sentiment":"neutral","sentiment_score":0.016520332764176762,"num_words":17,"start":2215.24,"end":2232.535},{"sentences":[{"text":"So I'll I'll research options for you to kinda change the investment.","start":2232.535,"end":2236.795,"sentiment":"neutral","sentiment_score":0.08268449952205022},{"text":"But I do wanted to check with you as well because we have recently merged with BlackRock, which is one of the biggest investment managers.","start":2237.175,"end":2246.38,"sentiment":"neutral","sentiment_score":0.06305082008242607},{"text":"You may have heard of them.","start":2246.38,"end":2247.76,"sentiment":"neutral","sentiment_score":0.016494745233406622},{"text":"They no.","start":2248.78,"end":2250.0,"sentiment":"neutral","sentiment_score":-0.10791859775781631},{"text":"No.","start":2250.46,"end":2250.78,"sentiment":"neutral","sentiment_score":-0.1352427899837494}],"sentiment":"neutral","sentiment_score":0.050355934396224176,"num_words":46,"start":2232.535,"end":2250.78},{"sentences":[{"text":"That's okay.","start":2250.78,"end":2251.5798,"sentiment":"neutral","sentiment_score":0.08641573041677475},{"text":"They are quite big, and we've kind of joined forces with their investment committee and created something that's called an SMA.","start":2251.5798,"end":2259.0752,"sentiment":"neutral","sentiment_score":0.1487403948392187},{"text":"It stands for a self managed account.","start":2259.935,"end":2262.5151,"sentiment":"neutral","sentiment_score":0.08653538886989866},{"text":"Still within your super and investment, but it works a little bit differently.","start":2262.8152,"end":2266.5952,"sentiment":"neutral","sentiment_score":0.06797040339845878},{"text":"The the way that we currently have you structured, which is like a model portfolio, is that when you look into hub twenty four, you will see each and every single one of your investments.","start":2266.8152,"end":2276.0,"sentiment":"neutral","sentiment_score":0.07492087313107082}],"sentiment":"neutral","sentiment_score":0.09497401638863942,"num_words":78,"start":2250.78,"end":2276.0},{"sentences":[{"text":"And if we want to change one, so for example, now when we wanna potentially look at changing the Benelon, I would have to and do the research for you, put everything in a document, most of my compliance point, and to make sure you are happy, present it to you, and then you have to let me know if you're okay with it.","start":2276.6199,"end":2292.935,"sentiment":"neutral","sentiment_score":0.1419904639478773},{"text":"The way that the SMA works is they kind of takes away that that side of it in that you are invested in a portfolio.","start":2293.315,"end":2301.39,"sentiment":"neutral","sentiment_score":-0.11083275154232979},{"text":"So it would just be like a name of a portfolio.","start":2301.7698,"end":2303.95,"sentiment":"neutral","sentiment_score":0.03793335299600254},{"text":"Still have kind of, like, the same investment philosophy underlying, but you just are invested in the portfolio.","start":2304.3298,"end":2310.143,"sentiment":"neutral","sentiment_score":0.055649816575977534},{"text":"So what that allows us to do quickly is that if we see that one of the investments are maybe not doing so well, we can change it straight away without having to put it in through, you know, the compliance document or let you know when it's changing.","start":2310.143,"end":2325.5,"sentiment":"neutral","sentiment_score":0.2398802475357542}],"sentiment":"neutral","sentiment_score":0.11670459050707474,"num_words":167,"start":2276.6199,"end":2325.5},{"sentences":[{"text":"So it speeds up it does.","start":2325.5,"end":2328.32,"sentiment":"positive","sentiment_score":0.46785729626814526},{"text":"As long as is that something that you are comfortable with?","start":2328.7,"end":2331.18,"sentiment":"neutral","sentiment_score":0.2601713334972208},{"text":"You wouldn't have, like, see every single one of the investments as much.","start":2331.18,"end":2334.06,"sentiment":"neutral","sentiment_score":0.061327506143313185},{"text":"You can still go in and have a look at them.","start":2334.06,"end":2335.9,"sentiment":"neutral","sentiment_score":0.28404414653778076},{"text":"It will still be there.","start":2335.9,"end":2337.2,"sentiment":"positive","sentiment_score":0.4650776147842407}],"sentiment":"neutral","sentiment_score":0.259046950256047,"num_words":46,"start":2325.5,"end":2337.2},{"sentences":[{"text":"It would just mean that we can do that quicker for you in the back end.","start":2337.3398,"end":2341.025,"sentiment":"positive","sentiment_score":0.4663865715265274},{"text":"If that is something you are comfortable with, then I can research that for you as well.","start":2341.025,"end":2344.8848,"sentiment":"neutral","sentiment_score":0.15202264180954764},{"text":"Yeah.","start":2345.265,"end":2345.765,"sentiment":"neutral","sentiment_score":0.1057540997862816},{"text":"Yep.","start":2346.545,"end":2347.045,"sentiment":"neutral","sentiment_score":0.20240378379821777},{"text":"Yeah.","start":2348.865,"end":2349.365,"sentiment":"neutral","sentiment_score":0.027785904705524445}],"sentiment":"neutral","sentiment_score":0.28840316231879926,"num_words":36,"start":2337.3398,"end":2349.365},{"sentences":[{"text":"Whatever's gonna be, babe.","start":2351.345,"end":2352.77,"sentiment":"neutral","sentiment_score":-0.05396295804530382},{"text":"Exactly.","start":2354.67,"end":2355.17,"sentiment":"neutral","sentiment_score":0.03276961296796799},{"text":"You know where we are.","start":2355.23,"end":2356.37,"sentiment":"neutral","sentiment_score":0.0003862909972667694},{"text":"Yeah.","start":2359.31,"end":2359.81,"sentiment":"neutral","sentiment_score":0.02836581878364086},{"text":"Oh, yeah.","start":2359.95,"end":2360.69,"sentiment":"neutral","sentiment_score":0.008417521137744188}],"sentiment":"neutral","sentiment_score":-0.010457684859060325,"num_words":13,"start":2351.345,"end":2360.69},{"sentences":[{"text":"And the address.","start":2361.07,"end":2361.97,"sentiment":"neutral","sentiment_score":0.0004863329231739044},{"text":"Yeah.","start":2363.95,"end":2364.35,"sentiment":"neutral","sentiment_score":0.010180330835282804},{"text":"Okay.","start":2364.35,"end":2364.85,"sentiment":"neutral","sentiment_score":-0.011367875151336191},{"text":"Yeah.","start":2367.885,"end":2368.385,"sentiment":"neutral","sentiment_score":-0.0960547775030136},{"text":"Yep.","start":2376.525,"end":2377.025,"sentiment":"neutral","sentiment_score":0.0050791590474545956}],"sentiment":"neutral","sentiment_score":-0.012957737714584383,"num_words":7,"start":2361.07,"end":2377.025},{"sentences":[{"text":"Yep.","start":2381.805,"end":2382.305,"sentiment":"neutral","sentiment_score":-0.03494934365153313},{"text":"Yep.","start":2386.1099,"end":2386.6099,"sentiment":"neutral","sentiment_score":-0.1862207055091858},{"text":"Yep.","start":2389.55,"end":2389.63,"sentiment":"neutral","sentiment_score":0.14949102699756622},{"text":"Yep.","start":2389.63,"end":2390.13,"sentiment":"neutral","sentiment_score":0.2512340247631073},{"text":"Yeah.","start":2391.31,"end":2391.81,"sentiment":"neutral","sentiment_score":0.16253015398979187}],"sentiment":"neutral","sentiment_score":0.0684170313179493,"num_words":5,"start":2381.805,"end":2391.81},{"sentences":[{"text":"Yep.","start":2392.43,"end":2392.63,"sentiment":"neutral","sentiment_score":0.10056626051664352},{"text":"Yeah.","start":2392.63,"end":2392.83,"sentiment":"neutral","sentiment_score":0.077204629778862},{"text":"Yeah.","start":2392.83,"end":2392.99,"sentiment":"neutral","sentiment_score":0.06474300473928452},{"text":"Yeah.","start":2392.99,"end":2393.15,"sentiment":"neutral","sentiment_score":0.05309197306632995},{"text":"Yeah.","start":2393.15,"end":2393.65,"sentiment":"neutral","sentiment_score":0.0031204279512166977}],"sentiment":"neutral","sentiment_score":0.05974525921046734,"num_words":5,"start":2392.43,"end":2393.65},{"sentences":[{"text":"Yeah.","start":2396.43,"end":2396.93,"sentiment":"neutral","sentiment_score":-0.03950463980436325},{"text":"Correct.","start":2404.415,"end":2404.915,"sentiment":"positive","sentiment_score":0.39477306604385376},{"text":"Exactly.","start":2405.855,"end":2406.355,"sentiment":"positive","sentiment_score":0.35052740573883057},{"text":"Yeah.","start":2406.4949,"end":2406.7349,"sentiment":"neutral","sentiment_score":0.24436089396476743},{"text":"I'll have a I'll have a look at different options for you.","start":2406.7349,"end":2409.4749,"sentiment":"neutral","sentiment_score":0.1439489790548881}],"sentiment":"neutral","sentiment_score":0.1673465296626091,"num_words":16,"start":2396.43,"end":2409.4749},{"sentences":[{"text":"And then whatever is obviously going to be best for you with performance and fees and stuff like that, I will then, you know, let you know, and then you can let me know what you are comfortable with.","start":2409.615,"end":2418.03,"sentiment":"neutral","sentiment_score":0.17562966086925605},{"text":"Yep.","start":2419.05,"end":2419.4502,"sentiment":"neutral","sentiment_score":0.28615066409111023},{"text":"Perfect.","start":2419.4502,"end":2419.9502,"sentiment":"positive","sentiment_score":0.5028908252716064},{"text":"Now we do have a lot of different portfolios.","start":2420.4102,"end":2422.59,"sentiment":"neutral","sentiment_score":0.15529516753223208},{"text":"So I do wanna quickly run through a bit of a risk profile questionnaire with you.","start":2422.8901,"end":2427.285,"sentiment":"neutral","sentiment_score":0.1432208134792745}],"sentiment":"neutral","sentiment_score":0.17163314828366943,"num_words":66,"start":2409.615,"end":2427.285},{"sentences":[{"text":"It's just a couple of multiple choice, very similar to last time, just to see if anything has changed for you in terms of your risk tolerance.","start":2427.285,"end":2436.345,"sentiment":"neutral","sentiment_score":0.09084778058308142},{"text":"Now if it doesn't make sense, let me know because some can be a little bit tricky.","start":2436.4849,"end":2440.12,"sentiment":"neutral","sentiment_score":-0.1265296587610946},{"text":"Yep.","start":2441.3801,"end":2441.86,"sentiment":"neutral","sentiment_score":0.07211577892303467},{"text":"Perfect.","start":2441.86,"end":2442.36,"sentiment":"neutral","sentiment_score":0.1895609200000763},{"text":"Now have you ever bought direct shares yourself?","start":2442.4202,"end":2444.76,"sentiment":"neutral","sentiment_score":0.02834366448223591}],"sentiment":"neutral","sentiment_score":0.014635405399733119,"num_words":54,"start":2427.285,"end":2444.76},{"sentences":[{"text":"Have direct shares?","start":2447.3,"end":2448.1802,"sentiment":"neutral","sentiment_score":-0.0014721984043717384},{"text":"Like, have you bought any stocks on the stock market?","start":2448.1802,"end":2451.4548,"sentiment":"neutral","sentiment_score":-0.0237585449591279},{"text":"No.","start":2451.4548,"end":2451.7349,"sentiment":"neutral","sentiment_score":-0.06205102056264877},{"text":"Perfect.","start":2451.7349,"end":2452.2349,"sentiment":"neutral","sentiment_score":0.0374378114938736},{"text":"Let me see here.","start":2454.295,"end":2455.595,"sentiment":"neutral","sentiment_score":0.026778277941048145}],"sentiment":"neutral","sentiment_score":-0.008394849584682992,"num_words":19,"start":2447.3,"end":2455.595},{"sentences":[{"text":"And at the moment, do you have any idea when you think you might wanna retire or stop working?","start":2455.7349,"end":2461.835,"sentiment":"neutral","sentiment_score":-0.009899225870245382},{"text":"No.","start":2462.375,"end":2462.6948,"sentiment":"neutral","sentiment_score":-0.06639479845762253},{"text":"That's okay.","start":2462.6948,"end":2463.36,"sentiment":"neutral","sentiment_score":-0.027081916108727455},{"text":"More than definitely more than ten years, you'd say, until you stop working.","start":2463.6802,"end":2467.54,"sentiment":"neutral","sentiment_score":-0.03454777469428686},{"text":"Yeah.","start":2467.9202,"end":2468.4202,"sentiment":"neutral","sentiment_score":0.026157299056649208}],"sentiment":"neutral","sentiment_score":-0.020322435949411657,"num_words":36,"start":2455.7349,"end":2468.4202},{"sentences":[{"text":"Yeah.","start":2470.32,"end":2470.8,"sentiment":"neutral","sentiment_score":0.1601373553276062},{"text":"Perfect.","start":2470.8,"end":2471.3,"sentiment":"neutral","sentiment_score":0.2788443863391876},{"text":"Now the next question is kind of in regards to how much risk you are willing to take with your superannuation.","start":2474.24,"end":2479.7449,"sentiment":"neutral","sentiment_score":-0.020077040330285116},{"text":"So would you say that you are willing to accept very high risk, high risk, moderate risk, or a small amount of risk in your superannuation to try to make sure that it's still gross.","start":2480.765,"end":2497.96,"sentiment":"neutral","sentiment_score":-0.020389591955712865},{"text":"No.","start":2500.0198,"end":2500.5198,"sentiment":"neutral","sentiment_score":-0.2250954508781433}],"sentiment":"neutral","sentiment_score":-0.015616394484699783,"num_words":59,"start":2470.32,"end":2500.5198},{"sentences":[{"text":"Yes.","start":2501.14,"end":2501.46,"sentiment":"neutral","sentiment_score":-0.010894952341914175},{"text":"So somewhere kind of in the middle.","start":2501.46,"end":2503.16,"sentiment":"neutral","sentiment_score":0.006215757025139672},{"text":"Yeah?","start":2506.375,"end":2506.875,"sentiment":"neutral","sentiment_score":0.02910834178328514},{"text":"Moderate?","start":2508.615,"end":2509.115,"sentiment":"neutral","sentiment_score":0.03278716653585434},{"text":"Yep.","start":2509.335,"end":2509.7349,"sentiment":"neutral","sentiment_score":0.04441814869642258}],"sentiment":"neutral","sentiment_score":0.012629909440875053,"num_words":11,"start":2501.14,"end":2509.7349},{"sentences":[{"text":"Nope.","start":2509.7349,"end":2510.135,"sentiment":"neutral","sentiment_score":-0.006498441100120544},{"text":"That's fine.","start":2510.135,"end":2511.035,"sentiment":"neutral","sentiment_score":0.04430798254907131},{"text":"And if you saw, let's say, your superannuation drop in value by 20% due to kind of general trends in the in the market.","start":2511.815,"end":2521.4033,"sentiment":"negative","sentiment_score":-0.3364675957709551},{"text":"Do you think you'd wanna take the opportunity, invest a bit more while the prices are down?","start":2521.4033,"end":2525.41,"sentiment":"neutral","sentiment_score":-0.1924390280071427},{"text":"Would you kind of just wanna wait and hold and see what happens?","start":2525.6301,"end":2529.25,"sentiment":"neutral","sentiment_score":-0.1875969492472135}],"sentiment":"neutral","sentiment_score":-0.24040927352351055,"num_words":57,"start":2509.7349,"end":2529.25},{"sentences":[{"text":"Or do you think you'd wanna sell out of that investment and move to something, you know, less fluctuating or less risky?","start":2529.87,"end":2537.345,"sentiment":"neutral","sentiment_score":-0.2666075852784244},{"text":"Less risky?","start":2540.6848,"end":2541.405,"sentiment":"neutral","sentiment_score":-0.14498271048069},{"text":"Yep.","start":2541.405,"end":2541.805,"sentiment":"neutral","sentiment_score":0.104364275932312},{"text":"Perfect.","start":2541.805,"end":2542.305,"sentiment":"positive","sentiment_score":0.4057859778404236},{"text":"Let me see here.","start":2543.9648,"end":2545.1848,"sentiment":"neutral","sentiment_score":0.23426007106900215}],"sentiment":"neutral","sentiment_score":-0.15693805863459906,"num_words":30,"start":2529.87,"end":2545.1848},{"sentences":[{"text":"Now next is kind of in regards to if you did you know, when you saw your superannuation fluctuate a little bit, would you say that you felt optimistic about potential opportunities or a bit more cautious, not wanting to make further investments, or superannuation and next time you looked, it was down.","start":2547.0898,"end":2575.36,"sentiment":"neutral","sentiment_score":-0.0341270792315591},{"text":"So it it it dropped.","start":2575.36,"end":2577.22,"sentiment":"neutral","sentiment_score":-0.12396472245454788},{"text":"If you notice that, how did how did you feel?","start":2577.52,"end":2580.16,"sentiment":"neutral","sentiment_score":-0.0944057621061802},{"text":"Would you say that you were, you know, concerned or Concerned.","start":2580.16,"end":2584.82,"sentiment":"neutral","sentiment_score":-0.217667125842788},{"text":"Yeah.","start":2584.96,"end":2585.28,"sentiment":"neutral","sentiment_score":0.059322815388441086}],"sentiment":"neutral","sentiment_score":-0.07134540001861751,"num_words":80,"start":2547.0898,"end":2585.28},{"sentences":[{"text":"Perfect.","start":2585.28,"end":2585.78,"sentiment":"neutral","sentiment_score":0.23986242711544037},{"text":"And the last one here is, would you ever consider taking out a loan to invest in, you know, the stock market?","start":2587.28,"end":2595.7349,"sentiment":"neutral","sentiment_score":0.006755095652558587},{"text":"No.","start":2597.555,"end":2598.035,"sentiment":"neutral","sentiment_score":-0.09422250092029572},{"text":"Would you take out a loan to buy an investment property?","start":2598.035,"end":2604.72,"sentiment":"neutral","sentiment_score":-0.0653991038826379},{"text":"Maybe.","start":2605.3398,"end":2605.8398,"sentiment":"neutral","sentiment_score":0.005609035491943359}],"sentiment":"neutral","sentiment_score":-0.011653585462934442,"num_words":36,"start":2585.28,"end":2605.8398},{"sentences":[{"text":"Okay.","start":2605.98,"end":2606.46,"sentiment":"neutral","sentiment_score":0.10010376572608948},{"text":"Perfect.","start":2606.46,"end":2606.96,"sentiment":"neutral","sentiment_score":0.23654544353485107},{"text":"Now, Caleb, that tells me here that you have come out as a growth investor.","start":2607.82,"end":2611.92,"sentiment":"neutral","sentiment_score":0.12751749257246653},{"text":"And at the moment, we have you in the portfolio of a high growth.","start":2612.46,"end":2617.2551,"sentiment":"neutral","sentiment_score":0.050635743354048045},{"text":"So with the growth portfolio so, basically, the difference of they're both similar in that you are trying to, you know, maximize growth in your superannuation while you have the time and that you are prepared to kind of experience some high levels of fluctuation in order to get that growth.","start":2617.7952,"end":2634.46,"sentiment":"neutral","sentiment_score":0.04888520864587204}],"sentiment":"neutral","sentiment_score":0.06648119080175714,"num_words":82,"start":2605.98,"end":2634.46},{"sentences":[{"text":"Now when we are talking about an asset allocation, so how your money is invested in a high growth asset.","start":2636.28,"end":2650.305,"sentiment":"neutral","sentiment_score":0.13837001733481885},{"text":"Now this would be things like Australian shares and international shares and kind of property as well, and that's what's going to maximize that growth for you.","start":2650.7651,"end":2659.8699,"sentiment":"neutral","sentiment_score":0.28854812184969586},{"text":"And then we do have about 10% in defensive.","start":2660.17,"end":2663.23,"sentiment":"neutral","sentiment_score":0.10505344449645942},{"text":"So that will be your your cash, your fixed interest, and your goal can fall into that as well.","start":2663.69,"end":2668.97,"sentiment":"neutral","sentiment_score":0.2898434902492322},{"text":"So it's gonna limit fluctuations a little bit.","start":2668.97,"end":2671.7852,"sentiment":"neutral","sentiment_score":0.19039461016654968}],"sentiment":"neutral","sentiment_score":0.22329956425510974,"num_words":83,"start":2636.28,"end":2671.7852},{"sentences":[{"text":"And in our growth portfolio, it's about a 10% difference.","start":2672.0051,"end":2675.7852,"sentiment":"neutral","sentiment_score":0.15134599953889846},{"text":"So it's 80% in growth and about 20 in defensive.","start":2676.0051,"end":2679.945,"sentiment":"neutral","sentiment_score":0.1708567187190056},{"text":"Obviously, from the questions that we just went through, it seems like you're a little bit more less, you know, wanting to take on too much risk by still wanting to grow your super.","start":2681.2852,"end":2690.61,"sentiment":"neutral","sentiment_score":-0.07812778848935575},{"text":"So do you think you would like to look at, you know, potentially changing down to a growth portfolio, or are you still quite comfortable with that high growth allocation?","start":2691.15,"end":2701.315,"sentiment":"neutral","sentiment_score":0.029306162521243094},{"text":"Yes.","start":2704.575,"end":2705.075,"sentiment":"neutral","sentiment_score":0.0737265944480896}],"sentiment":"neutral","sentiment_score":0.017865809929721494,"num_words":85,"start":2672.0051,"end":2705.075},{"sentences":[{"text":"Progress.","start":2705.855,"end":2706.355,"sentiment":"neutral","sentiment_score":0.07763360440731049},{"text":"Yeah.","start":2706.655,"end":2707.155,"sentiment":"neutral","sentiment_score":-0.024427905678749084},{"text":"Yeah.","start":2708.095,"end":2708.595,"sentiment":"neutral","sentiment_score":-0.02429185062646866},{"text":"Yep.","start":2708.895,"end":2709.18,"sentiment":"neutral","sentiment_score":0.03849020600318909},{"text":"Okay.","start":2712.14,"end":2712.64,"sentiment":"neutral","sentiment_score":0.05207347497344017}],"sentiment":"neutral","sentiment_score":0.0238955058157444,"num_words":5,"start":2705.855,"end":2712.64},{"sentences":[{"text":"Yeah.","start":2712.94,"end":2713.3398,"sentiment":"neutral","sentiment_score":0.13066737353801727},{"text":"Perfect.","start":2713.3398,"end":2713.8398,"sentiment":"neutral","sentiment_score":0.31901463866233826},{"text":"Yeah.","start":2727.435,"end":2727.935,"sentiment":"neutral","sentiment_score":0.012265486642718317},{"text":"Yep.","start":2730.315,"end":2730.815,"sentiment":"neutral","sentiment_score":0.016590286046266556},{"text":"No.","start":2730.875,"end":2731.115,"sentiment":"neutral","sentiment_score":0.017624590545892715}],"sentiment":"neutral","sentiment_score":0.09923247508704662,"num_words":5,"start":2712.94,"end":2731.115},{"sentences":[{"text":"Perfect.","start":2731.115,"end":2731.615,"sentiment":"neutral","sentiment_score":0.24826011061668396},{"text":"Now I'll definitely have a look at that for you.","start":2731.7551,"end":2734.11,"sentiment":"neutral","sentiment_score":0.30076487064361573},{"text":"And that was essentially most of the stuff that I needed to go through with you today.","start":2734.75,"end":2739.57,"sentiment":"neutral","sentiment_score":0.13587698734858455},{"text":"So what I'll do from here is I will go through and do that research for you with the insurances, with your super, with your investment.","start":2740.03,"end":2746.77,"sentiment":"neutral","sentiment_score":0.21490219407356703},{"text":"I will put together all of this for you when I have the information.","start":2747.2302,"end":2751.0793,"sentiment":"neutral","sentiment_score":0.2201727351972035}],"sentiment":"neutral","sentiment_score":0.20934842559782899,"num_words":68,"start":2731.115,"end":2751.0793},{"sentences":[{"text":"Now like I said, I will get the team to express post that TPA for you.","start":2751.0793,"end":2755.5022,"sentiment":"neutral","sentiment_score":0.14513411559164524},{"text":"So as soon as we have that back, I can then finalize all of this for you.","start":2755.5022,"end":2760.2014,"sentiment":"neutral","sentiment_score":0.18564488782602198},{"text":"So it might take a little bit to get that back.","start":2760.2014,"end":2763.1401,"sentiment":"neutral","sentiment_score":0.19076434726064856},{"text":"Hopefully, it will be express posted.","start":2763.1401,"end":2765.1401,"sentiment":"neutral","sentiment_score":0.29864013691743213},{"text":"We'll get it back soon and prime service very quick, and we can get all of that sorted.","start":2765.1401,"end":2769.8,"sentiment":"positive","sentiment_score":0.3545886211925083}],"sentiment":"neutral","sentiment_score":0.2316316583139055,"num_words":68,"start":2751.0793,"end":2769.8},{"sentences":[{"text":"Now with you know, is there any other questions, anything else that you want me to look at or address for you before I do transfer you to Caden to quickly do that pre assessment?","start":2771.1401,"end":2781.785,"sentiment":"neutral","sentiment_score":0.105143674995218},{"text":"Is there anything else you, you know, have any questions for me?","start":2781.845,"end":2785.385,"sentiment":"neutral","sentiment_score":0.08067905964950721},{"text":"Yep.","start":2785.4448,"end":2785.765,"sentiment":"neutral","sentiment_score":0.1713716685771942},{"text":"Okay.","start":2785.765,"end":2786.2449,"sentiment":"neutral","sentiment_score":0.045047059655189514},{"text":"Perfect.","start":2786.2449,"end":2786.7449,"sentiment":"neutral","sentiment_score":-0.1636991798877716}],"sentiment":"neutral","sentiment_score":0.09401793777942657,"num_words":50,"start":2771.1401,"end":2786.7449},{"sentences":[{"text":"So what I'll do is I'll quickly transfer you over to Cade, and he will just run through a bit of a bit of a pre assessment for you.","start":2787.2048,"end":2793.4302,"sentiment":"neutral","sentiment_score":0.15014413692827883},{"text":"And then we can get that set in to me, and I'll send it off to the insurers and then kind of see which one is going to be the best for you.","start":2793.57,"end":2800.87,"sentiment":"neutral","sentiment_score":0.18452102487737482},{"text":"Perfect.","start":2802.77,"end":2803.27,"sentiment":"positive","sentiment_score":0.7371528744697571},{"text":"Well, thank you so much for your time this afternoon, Caleb.","start":2803.4348,"end":2806.635,"sentiment":"positive","sentiment_score":0.7974464351480658},{"text":"The next person you will speak to is Kaden, and then I very much look forward to speaking with you in the next couple of weeks and get all of this sorted for you.","start":2806.635,"end":2814.575,"sentiment":"positive","sentiment_score":0.5834138025255764}],"sentiment":"positive","sentiment_score":0.3684120994337179,"num_words":108,"start":2787.2048,"end":2814.575},{"sentences":[{"text":"No.","start":2816.1548,"end":2816.6548,"sentiment":"neutral","sentiment_score":0.22034816443920135},{"text":"No problem.","start":2816.795,"end":2817.355,"sentiment":"positive","sentiment_score":0.37677115201950073},{"text":"Thanks, Liv.","start":2817.355,"end":2818.46,"sentiment":"positive","sentiment_score":0.5696754157543182},{"text":"Bye.","start":2825.2725,"end":2825.7725,"sentiment":"neutral","sentiment_score":-0.11110283434391022}],"sentiment":"positive","sentiment_score":0.33368974427382153,"num_words":6,"start":2816.1548,"end":2825.7725}]}}]},{"alternatives":[{"transcript":"Hello? Hello? Yes. It sure is. Yeah. Not too bad, mate. Yourself? Yeah. Yep. Yep. Now it's fine. Yep. No worries. Tell them on the 1988 and 5 Heathcock Court, Blakeview 5114. It's been not too bad. Yeah. Reasonably busy. Damn. Yeah. Yeah. That's fine. Yep. Yep. Yep. Okay. Mhmm. Yep. Yeah. No. I think it's yeah. It came about the same. Yeah. Okay. My my income's probably more than that now, I would say. I reckon it's about $52.53, somewhere around there. Yeah. Yeah. Sure. Yeah. And is there any benefits to having it separate or not? I'm not really sure, to be honest. So Yeah. Yeah. Yeah. Still happy with that. Yep. Yeah. Yeah. So I still I still own my own business. I'm still doing the gutter cleaning. And then three days a week, I am working for my mate, Rob. But, yeah, I've just gone from contractor to employee as of last week. Yeah. Same. Well, pretty much everything stayed the same except for I've taken a $6 an hour pay cut because, obviously, he now has to pay for my fuel and he has to pay, like, work cover, all that sort of stuff. But I still wanna keep my own like I was thinking about it. I spoke to order Caden about it at the start of the week, and I was like, no. I still wanna do the income protection and stuff because if I hurt myself still in the gutters, he's like, Rob's work cover is not gonna cover me because that would be not working for him. I'd be doing something else. And, also, like, if I was to hurt myself just driving home, Yeah. And I'm not working for Robert's. Yeah. It's not covered there either. So I just thought I might as well cover myself on two basis. Yeah. Yeah. Exactly. Yep. Yep. Yep. It is so it is so sporadic. So a rough a rough breakdown would be before tax about a thousand bucks a week for working for my mate, roughly around there. Use yeah. So that would be so I usually take home about seven about $700 from working for him for three days, and then it's like for my work, it is so sporadic because, you know, I might do a couple of jobs personal, which could be $400 in a day, or I could do a couple of jobs for someone like a rental property or a aged care facility where it's, like, $200 for the day. You know what I mean? Like, it's a very big jump. So it could be $800 in two days, or it could $400 in two days. It's very, very sporadic. So I don't really have a breakdown with my gutter cleaning work, but, I mean, yeah, it's not much. I don't get much with the gutter cleaning. I really don't. Yep. It would sound yeah. It sound yeah. Roughly around that. Yeah. Mhmm. Yeah. So, well, I mean, with that, that's the thing. So some, you know, some weeks, obviously, I haven't made that much with Rob, but where there's been weeks where I've only made, like, $5,500. So that's why because that's both of my incomes come together is, yeah, is is about $53. But yeah. So Yeah. So I've got it. Yeah. I've got invoice. I've got invoice simple. And then, obviously, I've got a business account where my where all my money through that business comes through, and that was Rob was paying me into that as well. So my other so my employer now, he was paying me into my business account up until last week. Yeah. Oh, yeah. Yeah. Yeah. I'd I'd say at least I don't know. And it's kinda it's really hard to sort of break down because I I had the both I had both incomes last year all documented through my business account, and it was I think it came in at 52 or $53. So I now that I've just taken a pay cut. So this week, I worked a lot more for Rob than what I normally would, and I made, like, a thousand bucks before tax. But because I've just taken a $6 an hour pay cut, it's probably going to be that'll probably be, like, the max that I would make in a week. So it's probably gonna be more around the I would say 800, maybe 800 a week. Mhmm. Yep. Yeah. Yeah. Okay. Alright. Yep. Yeah. Yeah. Okay. Yeah. So I get it. So if you're better off yeah. They're better off claiming for more. Yeah. Okay. Yeah. I mean, it it'd it'd probably be more than that because, yeah, like I said, my last year my last year's income was, like, 50 $3, and I should I should be making more this year. So yeah. The year before last would have been 40 something. So yeah. 40 something as well, I think. So, yeah, so, yeah, they're they're all they're between, I would say, between 47 and 52. So I earn a lot less money now than what I used to because I used to work full time, but I also had to work, like, sixty hours a week. And now I'm lucky if I work, like, thirty hours a week, so much nicer. Yep. Sure. Yeah. Yeah. Yeah. No worries. Uh-huh. Not without digging into, like, savings that are in yeah. Yeah. Exactly. So I pretty much live week I live week to week, but then I've got savings accounts and whatnot. So yeah, I'm not happy with it, but it's not. Like, it'd be awesome if it was, like, a week. That'd be great. So but Yeah. Well, yeah, she's I don't plan on hurting myself. So I don't think anyone does, but yeah. Yeah. Probably the same. Yeah. Yes. Yes. So the deductions. Yeah. Yeah. I believe so. Yeah. Yeah. Obviously, my sleep is going up at the moment too because now I've got money going into every week. K. Yep. Mhmm. From I got a cleaning. Oh, from from the employee. I I would say, like, yeah, probably probably no. Give me one second. I'll just chat you on loudspeaker because I'll be able to go into my invoice simple app, and that tells me how much I've got in invoicing. So so far for 2026, I've invoiced out $8. So that would be my total no. So $8 would be my total Where are we? $20.26. Give me a breakdown, please. Estimate. Invoices, expenses, payments. Where are you at? Reports. Yeah. So yeah. So in that that's crazy. So yeah. That's insane. 10 invoices, five clients, 10 invoices at $6. Because most of them would be through Rob. That was when I was getting paid x amount of dollars per hour. So 20 five. So my total invoice is sent out for all of 2025. It doesn't make sense. It says 67,000. It is good. And then 2024, it says $63. 20 23, it says $54. Okay. So maybe we're a little bit off there. So holy crap. I didn't realize it was that much. That's insane. So yeah. So my whole my whole so that's a 147 invoices at yeah. So it's 67,371. Obviously, that's GST on top. So you would have to take what? You would have to take 11% from that. So I'll just do that quickly. So 67 $37.01. Just try. Give me one second. I gotta work this out. Because otherwise otherwise, it sounds like a money bag that I'm not. 60 7 thousand $67,371.03 71 divided by 11 Is 6 point so 6,000. So take 6,000 off that. So about 61 is before tax, I guess, without yeah. That well, that's yeah, so that was just purely invoices, meaning all of my invoices went to Rob and The Gutter Cleaning. So the breakdown actually, I'll be able to tell you that too because if I tell you because I'll be able to go into my invoice simple and just go with just click data on Wi Fi, which is who I was working for. So clients where is that? Where is that? Where is it? Yeah. So this is only giving me a total figure. 200 and 10 201 invoices, 167,000. So it's only telling me the whole lot. So if I go to reports here we go. So I can tell you what I got paid from Rob last year. Where is it? Give me one second. This is so my head in a little bit. Yeah. Yeah. So it was $47 for from him in 2024, and I had a total of 63,000. So that tells you that I made about $16 for my own business. And then in 2025, they I don't think it's got the antenna bloke there anymore. It shouldn't. No. It's only got clicked out on Wi Fi, which is the same company. We've got $5,050,000, and my total income was 67. So our audit, like, not 67, but it's like yeah. So $50 from him. Well, just remember, we gotta take we gotta take the GST off of that too. So so $50, what so it'd be 11% would be roughly are you doing that for me? Yeah. Yeah. Yeah. So this is yeah. I'm gonna take GST off. I I earned $67 last year, and then it was $50.50 grand from actually Rob. So, yeah, $1,717,000. So around, yeah, around 15 to $16 a year is what I'm making for myself. Yeah. That's with GST. Yes. Yeah. So you gotta yeah. That's all all included. So that has to be obviously deducted out of it because then, yeah, you're just adding you're adding, what, 10% on top of everything that you're making. Yep. Yeah. And I'm taking, yeah, $6 an hour pay cut. So it'd be minimum it's gonna be minimum of a $150 or a 100 and it'll be a $120 a week less as, like, as a maximum. So but that's if it depends on the hours I work too because the less hours I work, the more, like, the the the less I'm earning, obviously. But yeah. Even I'm basing that off of if I do a twenty hour week, I'm gonna lose a $120 a week from what I was getting paid before, which is yeah. I mean, it's not huge because someone else is paying for my fuel now, and I was spending a 150 to $200 a week on fuel. So I sort of make money up there. So it works out. Yeah. Yeah. Yep. No. I've only made, like I think I made one or two if that. One one thing that's sort of settled a bit because it this is all new. Like, I I didn't think I was gonna work for someone as an employee again. Like, I am kinda like working for myself. But when everything sort of settles a bit and I've got, like, a regular know what's happening with my money sort of thing, I've I've been planning on doing a salary sacrifice, which is what I I did. I did that for quite a few years with my old job and yeah. And it worked out well. So yeah. Yeah. Hold hold on one second. I'm talking to the CFOANUATION people. Fine. Yeah. Sorry. Keep going. So what's the sort of entail? Like, what are you just run me through it again. Yep. Okay. Yeah. Yeah. Okay. Yeah. Yeah. We'll leave that for now. Yeah. No worries. Yep. Yep. Yep. Yes. Somewhere around there. Yep. Alright. 240,000 owing, did you say? No. Because we we've refinanced the loan, so it'd be, like, 200 about 280. Yep. Still bugger all in the in the in the sense of most people's mortgages. So yeah. Yeah. Maybe. Is that no. No. I never have. I bought it outright. Yeah. Nah. About 52 now. Does it need to be across both of our accounts or just mine? Yeah. Yeah. So yeah. That's, yeah, still still I'm not sure how much she's got now, but, yeah, I've still got the 52 sitting in as which is it's all our money. So it's not yeah. We're not possessive of it. No. I've sold all of my other cars and bikes and everything. So no. We do have payments that will be starting soon. So my they're about $30, I think. No. I don't think so. I only like I only like Afterpay, which is usually a couple $100 at a time. But yeah. No. Yes. No. No. I think so. No. Nope. Yeah. So we're just yeah. We're just we're renovating the house slowly as well. So that's just mainly all we're trying to do at the moment, which is why we've done we've done, like, a outdoor area and stuff like that on finance so that we could not break the bank. And then, yeah, we're going to once we've got an outdoor area where we can actually sit and eat and stuff, we wanna renovate our kitchen and stuff like that. So that's the only real goals at this stage. So yep. Yep. Only recently I've looked at it. Yeah. Mhmm. Well, I've got I've got no idea. It shouldn't be that they I know that there was $10 sitting in there, and it had to stay in there for a certain amount of time to keep insurances intact until you guys could give me the insurances, I believe. So yeah. Yep. That'd be awesome. Yeah. That's exactly what I wanna do. Yeah. It keeps telling me that I've got two super accounts, and I'm like, no. I should only have one. What is going on? Yep. Yep. Yep. Yep. Yeah. Awesome. Awesome. That'd be great. Yeah. Yeah. Yeah. No worries. Yes. Yep. Yep. Yep. No. I haven't. No. Every every every now and then, I do the I'll look at your trade summaries that get sent through and I'm like, oh, you lost me money here. You lost me money there. You're like, oh my god. I lost money here. I lost money there. I'm like, sometimes I open them and I'm like, well, that was depressing. Goodbye. But yeah. No. All good. I haven't. Hold on. Yeah. Okay. Mhmm. Yep. Yep. Yeah. Yep. So I just moved on quicker. Yeah. Yeah. Yeah. Yeah. I I mean, I think I think so. I mean, I'm I'm trusting you guys with my money. So it's like, if you lose all my money, I'm gonna come looking for people. Yeah. I've got a rough idea. I've got names and photos, so that's all I need. Yeah. That's it. But yeah. No. I'm I'm yeah. Like, I don't this is the first time I've ever even invested in anything or even let anyone invest with things, so I don't. I usually hang up on callers and stuff. It was it was just by chance that when Hub twenty four first called me that I was just like, you know what? I've I've got super there. It's doing nothing. I'm not putting any money in there if I can make a bit of money. And and it did it it definitely made me some money in the first twelve months or so. Not so much. It hasn't meant so much the last year, but still a little bit. But it's been good to see it grow, and I I know that now the money's going in there that it's going only going to keep going up anyway, so that's fine. Yeah. Mhmm. Yeah. No worries. No worries. No worries. What what? No. No. No idea. Oh, 100 percent. Yeah. More than 20, I would say. I don't wanna go high risk because I don't wanna lose my money. Yeah. I guess, moderate risk, I guess. Yes. Probably last week. Excuse Can you just repeat the first five of the questions? Yeah. I'll be concerned. Yeah. No. Possibly. Okay. Mhmm. Yep. Mhmm. Yeah. Maybe we can get down to yeah. Because that is yeah. I'm definitely more concerned about money nowadays. Yeah. A 100 percent. So taking taking a bit of a hit with the income and whatnot is yeah. It's all been a little bit concerning, and then the things that have been going on with the house have been a bit concerning as well. So just trying to keep everything pretty close knit at the moment. Yep. Yep. That'd be awesome. No dramas. No. No. All good. Not all good. No worries. Thank you. No worries. Alright. Thank you. Alright. 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Hello? Yes. It sure is. Yeah.\n\nNot too bad, mate. Yourself? Yeah. Yep. Yep.\n\nNow it's fine. Yep. No worries. Tell them on the 1988 and 5 Heathcock Court, Blakeview 5114. It's been not too bad.\n\nYeah. Reasonably busy. Damn. Yeah. Yeah.\n\nThat's fine. Yep. Yep. Yep. Okay.\n\nMhmm. Yep. Yeah. No. I think it's yeah.\n\nIt came about the same. Yeah. Okay. My my income's probably more than that now, I would say. I reckon it's about $52.53, somewhere around there.\n\nYeah. Yeah. Sure. Yeah. And is there any benefits to having it separate or not?\n\nI'm not really sure, to be honest. So Yeah. Yeah. Yeah. Still happy with that.\n\nYep. Yeah. Yeah. So I still I still own my own business. I'm still doing the gutter cleaning.\n\nAnd then three days a week, I am working for my mate, Rob. But, yeah, I've just gone from contractor to employee as of last week. Yeah. Same. Well, pretty much everything stayed the same except for I've taken a $6 an hour pay cut because, obviously, he now has to pay for my fuel and he has to pay, like, work cover, all that sort of stuff.\n\nBut I still wanna keep my own like I was thinking about it. I spoke to order Caden about it at the start of the week, and I was like, no. I still wanna do the income protection and stuff because if I hurt myself still in the gutters, he's like, Rob's work cover is not gonna cover me because that would be not working for him. I'd be doing something else. And, also, like, if I was to hurt myself just driving home, Yeah.\n\nAnd I'm not working for Robert's. Yeah. It's not covered there either. So I just thought I might as well cover myself on two basis. Yeah.\n\nYeah. Exactly. Yep. Yep. Yep.\n\nIt is so it is so sporadic. So a rough a rough breakdown would be before tax about a thousand bucks a week for working for my mate, roughly around there. Use yeah. So that would be so I usually take home about seven about $700 from working for him for three days, and then it's like for my work, it is so sporadic because, you know, I might do a couple of jobs personal, which could be $400 in a day, or I could do a couple of jobs for someone like a rental property or a aged care facility where it's, like, $200 for the day. You know what I mean?\n\nLike, it's a very big jump. So it could be $800 in two days, or it could $400 in two days. It's very, very sporadic. So I don't really have a breakdown with my gutter cleaning work, but, I mean, yeah, it's not much. I don't get much with the gutter cleaning.\n\nI really don't. Yep. It would sound yeah. It sound yeah. Roughly around that.\n\nYeah. Mhmm. Yeah. So, well, I mean, with that, that's the thing. So some, you know, some weeks, obviously, I haven't made that much with Rob, but where there's been weeks where I've only made, like, $5,500.\n\nSo that's why because that's both of my incomes come together is, yeah, is is about $53. But yeah. So Yeah. So I've got it. Yeah.\n\nI've got invoice. I've got invoice simple. And then, obviously, I've got a business account where my where all my money through that business comes through, and that was Rob was paying me into that as well. So my other so my employer now, he was paying me into my business account up until last week. Yeah.\n\nOh, yeah. Yeah. Yeah. I'd I'd say at least I don't know. And it's kinda it's really hard to sort of break down because I I had the both I had both incomes last year all documented through my business account, and it was I think it came in at 52 or $53.\n\nSo I now that I've just taken a pay cut. So this week, I worked a lot more for Rob than what I normally would, and I made, like, a thousand bucks before tax. But because I've just taken a $6 an hour pay cut, it's probably going to be that'll probably be, like, the max that I would make in a week. So it's probably gonna be more around the I would say 800, maybe 800 a week. Mhmm.\n\nYep. Yeah. Yeah. Okay. Alright.\n\nYep. Yeah. Yeah. Okay. Yeah.\n\nSo I get it. So if you're better off yeah. They're better off claiming for more. Yeah. Okay.\n\nYeah. I mean, it it'd it'd probably be more than that because, yeah, like I said, my last year my last year's income was, like, 50 $3, and I should I should be making more this year. So yeah. The year before last would have been 40 something. So yeah.\n\n40 something as well, I think. So, yeah, so, yeah, they're they're all they're between, I would say, between 47 and 52. So I earn a lot less money now than what I used to because I used to work full time, but I also had to work, like, sixty hours a week. And now I'm lucky if I work, like, thirty hours a week, so much nicer. Yep.\n\nSure. Yeah. Yeah. Yeah. No worries.\n\nUh-huh. Not without digging into, like, savings that are in yeah. Yeah. Exactly. So I pretty much live week I live week to week, but then I've got savings accounts and whatnot.\n\nSo yeah, I'm not happy with it, but it's not. Like, it'd be awesome if it was, like, a week. That'd be great. So but Yeah. Well, yeah, she's I don't plan on hurting myself.\n\nSo I don't think anyone does, but yeah. Yeah. Probably the same. Yeah. Yes.\n\nYes. So the deductions. Yeah. Yeah. I believe so.\n\nYeah. Yeah. Obviously, my sleep is going up at the moment too because now I've got money going into every week. K. Yep.\n\nMhmm. From I got a cleaning. Oh, from from the employee. I I would say, like, yeah, probably probably no. Give me one second.\n\nI'll just chat you on loudspeaker because I'll be able to go into my invoice simple app, and that tells me how much I've got in invoicing. So so far for 2026, I've invoiced out $8. So that would be my total no. So $8 would be my total Where are we? $20.26.\n\nGive me a breakdown, please. Estimate. Invoices, expenses, payments. Where are you at? Reports.\n\nYeah. So yeah. So in that that's crazy. So yeah. That's insane.\n\n10 invoices, five clients, 10 invoices at $6. Because most of them would be through Rob. That was when I was getting paid x amount of dollars per hour. So 20 five. So my total invoice is sent out for all of 2025.\n\nIt doesn't make sense. It says 67,000. It is good. And then 2024, it says $63. 20 23, it says $54.\n\nOkay. So maybe we're a little bit off there. So holy crap. I didn't realize it was that much. That's insane.\n\nSo yeah. So my whole my whole so that's a 147 invoices at yeah. So it's 67,371. Obviously, that's GST on top. So you would have to take what?\n\nYou would have to take 11% from that. So I'll just do that quickly. So 67 $37.01. Just try. Give me one second.\n\nI gotta work this out. Because otherwise otherwise, it sounds like a money bag that I'm not. 60 7 thousand $67,371.03 71 divided by 11 Is 6 point so 6,000. So take 6,000 off that. So about 61 is before tax, I guess, without yeah.\n\nThat well, that's yeah, so that was just purely invoices, meaning all of my invoices went to Rob and The Gutter Cleaning. So the breakdown actually, I'll be able to tell you that too because if I tell you because I'll be able to go into my invoice simple and just go with just click data on Wi Fi, which is who I was working for. So clients where is that? Where is that? Where is it?\n\nYeah. So this is only giving me a total figure. 200 and 10 201 invoices, 167,000. So it's only telling me the whole lot. So if I go to reports here we go.\n\nSo I can tell you what I got paid from Rob last year. Where is it? Give me one second. This is so my head in a little bit. Yeah.\n\nYeah. So it was $47 for from him in 2024, and I had a total of 63,000. So that tells you that I made about $16 for my own business. And then in 2025, they I don't think it's got the antenna bloke there anymore. It shouldn't.\n\nNo. It's only got clicked out on Wi Fi, which is the same company. We've got $5,050,000, and my total income was 67. So our audit, like, not 67, but it's like yeah. So $50 from him.\n\nWell, just remember, we gotta take we gotta take the GST off of that too. So so $50, what so it'd be 11% would be roughly are you doing that for me? Yeah. Yeah. Yeah.\n\nSo this is yeah. I'm gonna take GST off. I I earned $67 last year, and then it was $50.50 grand from actually Rob. So, yeah, $1,717,000. So around, yeah, around 15 to $16 a year is what I'm making for myself.\n\nYeah. That's with GST. Yes. Yeah. So you gotta yeah.\n\nThat's all all included. So that has to be obviously deducted out of it because then, yeah, you're just adding you're adding, what, 10% on top of everything that you're making. Yep. Yeah. And I'm taking, yeah, $6 an hour pay cut.\n\nSo it'd be minimum it's gonna be minimum of a $150 or a 100 and it'll be a $120 a week less as, like, as a maximum. So but that's if it depends on the hours I work too because the less hours I work, the more, like, the the the less I'm earning, obviously. But yeah. Even I'm basing that off of if I do a twenty hour week, I'm gonna lose a $120 a week from what I was getting paid before, which is yeah. I mean, it's not huge because someone else is paying for my fuel now, and I was spending a 150 to $200 a week on fuel.\n\nSo I sort of make money up there. So it works out. Yeah. Yeah. Yep.\n\nNo. I've only made, like I think I made one or two if that. One one thing that's sort of settled a bit because it this is all new. Like, I I didn't think I was gonna work for someone as an employee again. Like, I am kinda like working for myself.\n\nBut when everything sort of settles a bit and I've got, like, a regular know what's happening with my money sort of thing, I've I've been planning on doing a salary sacrifice, which is what I I did. I did that for quite a few years with my old job and yeah. And it worked out well. So yeah. Yeah.\n\nHold hold on one second. I'm talking to the CFOANUATION people. Fine. Yeah. Sorry.\n\nKeep going. So what's the sort of entail? Like, what are you just run me through it again. Yep. Okay.\n\nYeah. Yeah. Okay. Yeah. Yeah.\n\nWe'll leave that for now. Yeah. No worries. Yep. Yep.\n\nYep. Yes. Somewhere around there. Yep. Alright.\n\n240,000 owing, did you say? No. Because we we've refinanced the loan, so it'd be, like, 200 about 280. Yep. Still bugger all in the in the in the sense of most people's mortgages.\n\nSo yeah. Yeah. Maybe. Is that no. No.\n\nI never have. I bought it outright. Yeah. Nah. About 52 now.\n\nDoes it need to be across both of our accounts or just mine? Yeah. Yeah. So yeah. That's, yeah, still still I'm not sure how much she's got now, but, yeah, I've still got the 52 sitting in as which is it's all our money.\n\nSo it's not yeah. We're not possessive of it. No. I've sold all of my other cars and bikes and everything. So no.\n\nWe do have payments that will be starting soon. So my they're about $30, I think. No. I don't think so. I only like I only like Afterpay, which is usually a couple $100 at a time.\n\nBut yeah. No. Yes. No. No.\n\nI think so. No. Nope. Yeah. So we're just yeah.\n\nWe're just we're renovating the house slowly as well. So that's just mainly all we're trying to do at the moment, which is why we've done we've done, like, a outdoor area and stuff like that on finance so that we could not break the bank. And then, yeah, we're going to once we've got an outdoor area where we can actually sit and eat and stuff, we wanna renovate our kitchen and stuff like that. So that's the only real goals at this stage. So yep.\n\nYep. Only recently I've looked at it. Yeah. Mhmm. Well, I've got I've got no idea.\n\nIt shouldn't be that they I know that there was $10 sitting in there, and it had to stay in there for a certain amount of time to keep insurances intact until you guys could give me the insurances, I believe. So yeah. Yep. That'd be awesome. Yeah.\n\nThat's exactly what I wanna do. Yeah. It keeps telling me that I've got two super accounts, and I'm like, no. I should only have one. What is going on?\n\nYep. Yep. Yep. Yep. Yeah.\n\nAwesome. Awesome. That'd be great. Yeah. Yeah.\n\nYeah. No worries. Yes. Yep. Yep.\n\nYep. No. I haven't. No. Every every every now and then, I do the I'll look at your trade summaries that get sent through and I'm like, oh, you lost me money here.\n\nYou lost me money there. You're like, oh my god. I lost money here. I lost money there. I'm like, sometimes I open them and I'm like, well, that was depressing.\n\nGoodbye. But yeah. No. All good. I haven't.\n\nHold on. Yeah. Okay. Mhmm. Yep.\n\nYep. Yeah. Yep. So I just moved on quicker. Yeah.\n\nYeah. Yeah. Yeah. I I mean, I think I think so. I mean, I'm I'm trusting you guys with my money.\n\nSo it's like, if you lose all my money, I'm gonna come looking for people. Yeah. I've got a rough idea. I've got names and photos, so that's all I need. Yeah.\n\nThat's it. But yeah. No. I'm I'm yeah. Like, I don't this is the first time I've ever even invested in anything or even let anyone invest with things, so I don't.\n\nI usually hang up on callers and stuff. It was it was just by chance that when Hub twenty four first called me that I was just like, you know what? I've I've got super there. It's doing nothing. I'm not putting any money in there if I can make a bit of money.\n\nAnd and it did it it definitely made me some money in the first twelve months or so. Not so much. It hasn't meant so much the last year, but still a little bit. But it's been good to see it grow, and I I know that now the money's going in there that it's going only going to keep going up anyway, so that's fine. Yeah.\n\nMhmm. Yeah. No worries. No worries. No worries.\n\nWhat what? No. No. No idea. Oh, 100 percent.\n\nYeah. More than 20, I would say. I don't wanna go high risk because I don't wanna lose my money. Yeah. I guess, moderate risk, I guess.\n\nYes. Probably last week. Excuse Can you just repeat the first five of the questions? Yeah. I'll be concerned.\n\nYeah. No. Possibly. Okay. Mhmm.\n\nYep. Mhmm. Yeah. Maybe we can get down to yeah. Because that is yeah.\n\nI'm definitely more concerned about money nowadays. Yeah. A 100 percent. So taking taking a bit of a hit with the income and whatnot is yeah. It's all been a little bit concerning, and then the things that have been going on with the house have been a bit concerning as well.\n\nSo just trying to keep everything pretty close knit at the moment. Yep. Yep. That'd be awesome. No dramas.\n\nNo. No. All good. Not all good. No worries.\n\nThank you. No worries. Alright. Thank you. Alright.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.018443644046783447},{"text":"Hello?","start":2.32,"end":2.82,"sentiment":"neutral","sentiment_score":0.03272874280810356},{"text":"Yes.","start":5.3599997,"end":5.7599998,"sentiment":"neutral","sentiment_score":0.15827307105064392},{"text":"It sure is.","start":5.7599998,"end":6.74,"sentiment":"neutral","sentiment_score":0.21195202569166818},{"text":"Yeah.","start":10.96,"end":11.28,"sentiment":"neutral","sentiment_score":0.14005395770072937}],"sentiment":"neutral","sentiment_score":0.14076507038303784,"num_words":7,"start":1.1999999,"end":11.28},{"sentences":[{"text":"Not too bad, mate.","start":11.28,"end":12.24,"sentiment":"neutral","sentiment_score":0.24944469332695007},{"text":"Yourself?","start":12.24,"end":12.74,"sentiment":"neutral","sentiment_score":0.13288724422454834},{"text":"Yeah.","start":19.895,"end":20.134998,"sentiment":"neutral","sentiment_score":0.13798941671848297},{"text":"Yep.","start":20.134998,"end":20.535,"sentiment":"neutral","sentiment_score":0.12185778468847276},{"text":"Yep.","start":20.535,"end":20.855,"sentiment":"neutral","sentiment_score":0.12869499623775482}],"sentiment":"neutral","sentiment_score":0.1899010268971324,"num_words":8,"start":11.28,"end":20.855},{"sentences":[{"text":"Now it's fine.","start":20.855,"end":21.835,"sentiment":"positive","sentiment_score":0.34071825444698334},{"text":"Yep.","start":31.47,"end":31.869999,"sentiment":"neutral","sentiment_score":0.039227310568094254},{"text":"No worries.","start":31.869999,"end":32.61,"sentiment":"neutral","sentiment_score":0.08072029054164886},{"text":"Tell them on the 1988 and 5 Heathcock Court, Blakeview 5114.","start":42.945,"end":49.765,"sentiment":"neutral","sentiment_score":0.025308181277730248},{"text":"It's been not too bad.","start":57.719997,"end":58.84,"sentiment":"neutral","sentiment_score":-0.0407327763736248}],"sentiment":"neutral","sentiment_score":0.05897948941723867,"num_words":22,"start":20.855,"end":58.84},{"sentences":[{"text":"Yeah.","start":58.84,"end":59.34,"sentiment":"neutral","sentiment_score":0.040136829018592834},{"text":"Reasonably busy.","start":59.399998,"end":61.42,"sentiment":"neutral","sentiment_score":0.028975886292755604},{"text":"Damn.","start":62.36,"end":62.86,"sentiment":"neutral","sentiment_score":0.14611685276031494},{"text":"Yeah.","start":72.655,"end":73.155,"sentiment":"neutral","sentiment_score":0.15330755710601807},{"text":"Yeah.","start":83.695,"end":83.935,"sentiment":"neutral","sentiment_score":0.1153375804424286}],"sentiment":"neutral","sentiment_score":0.08547509865214427,"num_words":6,"start":58.84,"end":83.935},{"sentences":[{"text":"That's fine.","start":83.935,"end":84.75,"sentiment":"neutral","sentiment_score":0.17246141284704208},{"text":"Yep.","start":94.67,"end":95.17,"sentiment":"neutral","sentiment_score":0.12590306997299194},{"text":"Yep.","start":97.15,"end":97.425,"sentiment":"neutral","sentiment_score":0.09672006964683531},{"text":"Yep.","start":129.455,"end":129.955,"sentiment":"neutral","sentiment_score":0.181532621383667},{"text":"Okay.","start":133.775,"end":134.275,"sentiment":"neutral","sentiment_score":0.09852632135152815}],"sentiment":"neutral","sentiment_score":0.1412674846748511,"num_words":6,"start":83.935,"end":134.275},{"sentences":[{"text":"Mhmm.","start":146.2,"end":146.565,"sentiment":"neutral","sentiment_score":0.006891503930091858},{"text":"Yep.","start":151.925,"end":152.425,"sentiment":"neutral","sentiment_score":0.11265863478183746},{"text":"Yeah.","start":165.46,"end":165.7,"sentiment":"neutral","sentiment_score":-0.004561426118016243},{"text":"No.","start":165.7,"end":166.02,"sentiment":"neutral","sentiment_score":-0.1372123658657074},{"text":"I think it's yeah.","start":166.02,"end":167.14,"sentiment":"neutral","sentiment_score":-0.09902025572955608}],"sentiment":"neutral","sentiment_score":-0.05228808452375233,"num_words":8,"start":146.2,"end":167.14},{"sentences":[{"text":"It came about the same.","start":167.14,"end":168.52,"sentiment":"neutral","sentiment_score":-0.05102846547961235},{"text":"Yeah.","start":193.48999,"end":193.81,"sentiment":"neutral","sentiment_score":0.1324535459280014},{"text":"Okay.","start":193.81,"end":194.31,"sentiment":"neutral","sentiment_score":0.30308017134666443},{"text":"My my income's probably more than that now, I would say.","start":196.04999,"end":199.515,"sentiment":"neutral","sentiment_score":0.10799446363340724},{"text":"I reckon it's about $52.53, somewhere around there.","start":202.555,"end":206.735,"sentiment":"neutral","sentiment_score":-0.000608691829256713}],"sentiment":"neutral","sentiment_score":0.05244080596961654,"num_words":26,"start":167.14,"end":206.735},{"sentences":[{"text":"Yeah.","start":207.915,"end":208.415,"sentiment":"neutral","sentiment_score":0.07586877048015594},{"text":"Yeah.","start":222.97,"end":223.37,"sentiment":"neutral","sentiment_score":0.0903930813074112},{"text":"Sure.","start":223.37,"end":223.785,"sentiment":"neutral","sentiment_score":0.13256746530532837},{"text":"Yeah.","start":235.785,"end":236.19,"sentiment":"neutral","sentiment_score":0.11519185453653336},{"text":"And is there any benefits to having it separate or not?","start":256.335,"end":259.395,"sentiment":"neutral","sentiment_score":0.02659817480228164}],"sentiment":"neutral","sentiment_score":0.04710673963030179,"num_words":15,"start":207.915,"end":259.395},{"sentences":[{"text":"I'm not really sure, to be honest.","start":269.47998,"end":271.24,"sentiment":"neutral","sentiment_score":-0.30054267389433725},{"text":"So Yeah.","start":271.24,"end":279.81998,"sentiment":"neutral","sentiment_score":-0.12490645796060562},{"text":"Yeah.","start":292.655,"end":293.155,"sentiment":"neutral","sentiment_score":0.04285525903105736},{"text":"Yeah.","start":298.15,"end":298.38998,"sentiment":"neutral","sentiment_score":0.17622271180152893},{"text":"Still happy with that.","start":298.38998,"end":299.77,"sentiment":"neutral","sentiment_score":0.2633555755019188}],"sentiment":"neutral","sentiment_score":-0.0720740906894207,"num_words":15,"start":269.47998,"end":299.77},{"sentences":[{"text":"Yep.","start":312.55,"end":313.005,"sentiment":"neutral","sentiment_score":-0.003232531249523163},{"text":"Yeah.","start":322.045,"end":322.545,"sentiment":"neutral","sentiment_score":0.0026243748143315315},{"text":"Yeah.","start":323.005,"end":323.48502,"sentiment":"neutral","sentiment_score":0.00790255144238472},{"text":"So I still I still own my own business.","start":323.48502,"end":326.305,"sentiment":"neutral","sentiment_score":0.010797836093438996},{"text":"I'm still doing the gutter cleaning.","start":326.365,"end":328.465,"sentiment":"neutral","sentiment_score":0.021085229236632586}],"sentiment":"neutral","sentiment_score":0.012832571959329976,"num_words":18,"start":312.55,"end":328.465},{"sentences":[{"text":"And then three days a week, I am working for my mate, Rob.","start":329.15,"end":334.91,"sentiment":"neutral","sentiment_score":-0.0018026916166910757},{"text":"But, yeah, I've just gone from contractor to employee as of last week.","start":334.91,"end":339.25,"sentiment":"neutral","sentiment_score":-0.01616582775918337},{"text":"Yeah.","start":344.365,"end":344.685,"sentiment":"neutral","sentiment_score":0.018457548692822456},{"text":"Same.","start":344.685,"end":344.925,"sentiment":"neutral","sentiment_score":0.0161583349108696},{"text":"Well, pretty much everything stayed the same except for I've taken a $6 an hour pay cut because, obviously, he now has to pay for my fuel and he has to pay, like, work cover, all that sort of stuff.","start":344.925,"end":360.12,"sentiment":"neutral","sentiment_score":-0.06776868363376706}],"sentiment":"neutral","sentiment_score":-0.042790032553431744,"num_words":68,"start":329.15,"end":360.12},{"sentences":[{"text":"But I still wanna keep my own like I was thinking about it.","start":360.19998,"end":363.56,"sentiment":"neutral","sentiment_score":-0.0414752925817783},{"text":"I spoke to order Caden about it at the start of the week, and I was like, no.","start":363.56,"end":369.18,"sentiment":"neutral","sentiment_score":-0.064708039474984},{"text":"I still wanna do the income protection and stuff because if I hurt myself still in the gutters, he's like, Rob's work cover is not gonna cover me because that would be not working for him.","start":369.32,"end":380.625,"sentiment":"neutral","sentiment_score":-0.22213175685869324},{"text":"I'd be doing something else.","start":380.625,"end":381.905,"sentiment":"neutral","sentiment_score":-0.16017327159643174},{"text":"And, also, like, if I was to hurt myself just driving home, Yeah.","start":381.905,"end":388.80002,"sentiment":"neutral","sentiment_score":-0.10448424116923259}],"sentiment":"neutral","sentiment_score":-0.1395273912259761,"num_words":85,"start":360.19998,"end":388.80002},{"sentences":[{"text":"And I'm not working for Robert's.","start":388.94,"end":390.96002,"sentiment":"neutral","sentiment_score":-0.1534767635166645},{"text":"Yeah.","start":391.02002,"end":391.18002,"sentiment":"neutral","sentiment_score":-0.11434338241815568},{"text":"It's not covered there either.","start":391.18002,"end":392.30002,"sentiment":"neutral","sentiment_score":-0.18427564203739166},{"text":"So I just thought I might as well cover myself on two basis.","start":392.30002,"end":396.0,"sentiment":"neutral","sentiment_score":-0.08757494791195942},{"text":"Yeah.","start":410.155,"end":410.655,"sentiment":"neutral","sentiment_score":-0.05705885589122772}],"sentiment":"neutral","sentiment_score":-0.12123520586353081,"num_words":26,"start":388.94,"end":410.655},{"sentences":[{"text":"Yeah.","start":417.97,"end":418.21,"sentiment":"neutral","sentiment_score":0.08570833504199982},{"text":"Exactly.","start":418.21,"end":418.71,"sentiment":"neutral","sentiment_score":0.15237556397914886},{"text":"Yep.","start":430.065,"end":430.565,"sentiment":"neutral","sentiment_score":0.1898853629827499},{"text":"Yep.","start":448.37,"end":448.87,"sentiment":"neutral","sentiment_score":0.06202054023742676},{"text":"Yep.","start":453.81,"end":454.12997,"sentiment":"neutral","sentiment_score":0.0490151047706604}],"sentiment":"neutral","sentiment_score":0.10780098140239716,"num_words":5,"start":417.97,"end":454.12997},{"sentences":[{"text":"It is so it is so sporadic.","start":454.12997,"end":458.07498,"sentiment":"neutral","sentiment_score":0.020718726129936322},{"text":"So a rough a rough breakdown would be before tax about a thousand bucks a week for working for my mate, roughly around there.","start":458.29498,"end":468.555,"sentiment":"neutral","sentiment_score":0.019743205901856225},{"text":"Use yeah.","start":469.59,"end":470.15,"sentiment":"neutral","sentiment_score":0.06807957775890827},{"text":"So that would be so I usually take home about seven about $700 from working for him for three days, and then it's like for my work, it is so sporadic because, you know, I might do a couple of jobs personal, which could be $400 in a day, or I could do a couple of jobs for someone like a rental property or a aged care facility where it's, like, $200 for the day.","start":470.15,"end":506.86,"sentiment":"neutral","sentiment_score":-0.009032470261057218},{"text":"You know what I mean?","start":506.86,"end":507.58,"sentiment":"neutral","sentiment_score":-0.10250464379787445}],"sentiment":"neutral","sentiment_score":-0.003848949632714544,"num_words":113,"start":454.12997,"end":507.58},{"sentences":[{"text":"Like, it's a very big jump.","start":507.58,"end":509.02,"sentiment":"neutral","sentiment_score":-0.11979215467969577},{"text":"So it could be $800 in two days, or it could $400 in two days.","start":509.02,"end":513.66504,"sentiment":"neutral","sentiment_score":-0.0784561296304067},{"text":"It's very, very sporadic.","start":513.66504,"end":515.025,"sentiment":"negative","sentiment_score":-0.35579217225313187},{"text":"So I don't really have a breakdown with my gutter cleaning work, but, I mean, yeah, it's not much.","start":515.025,"end":523.605,"sentiment":"neutral","sentiment_score":-0.2824559776406539},{"text":"I don't get much with the gutter cleaning.","start":523.66504,"end":525.585,"sentiment":"negative","sentiment_score":-0.36889615654945374}],"sentiment":"neutral","sentiment_score":-0.22378069979067033,"num_words":52,"start":507.58,"end":525.585},{"sentences":[{"text":"I really don't.","start":525.585,"end":526.35,"sentiment":"negative","sentiment_score":-0.5275362133979797},{"text":"Yep.","start":538.445,"end":538.945,"sentiment":"neutral","sentiment_score":0.13427922129631042},{"text":"It would sound yeah.","start":549.165,"end":550.205,"sentiment":"neutral","sentiment_score":0.190883107483387},{"text":"It sound yeah.","start":550.205,"end":551.245,"sentiment":"neutral","sentiment_score":0.09269529394805431},{"text":"Roughly around that.","start":551.245,"end":552.365,"sentiment":"neutral","sentiment_score":-0.10780830432971318}],"sentiment":"neutral","sentiment_score":-0.052152572864932675,"num_words":14,"start":525.585,"end":552.365},{"sentences":[{"text":"Yeah.","start":552.365,"end":552.75,"sentiment":"neutral","sentiment_score":0.018622325733304024},{"text":"Mhmm.","start":562.43,"end":562.93,"sentiment":"neutral","sentiment_score":0.06691525876522064},{"text":"Yeah.","start":571.885,"end":572.205,"sentiment":"neutral","sentiment_score":0.0843769907951355},{"text":"So, well, I mean, with that, that's the thing.","start":572.205,"end":574.685,"sentiment":"neutral","sentiment_score":0.07640086445543501},{"text":"So some, you know, some weeks, obviously, I haven't made that much with Rob, but where there's been weeks where I've only made, like, $5,500.","start":574.685,"end":583.52997,"sentiment":"neutral","sentiment_score":-0.044092486947774887}],"sentiment":"neutral","sentiment_score":-0.006615941035183701,"num_words":37,"start":552.365,"end":583.52997},{"sentences":[{"text":"So that's why because that's both of my incomes come together is, yeah, is is about $53.","start":583.67,"end":593.865,"sentiment":"neutral","sentiment_score":0.038416520528057045},{"text":"But yeah.","start":595.205,"end":596.005,"sentiment":"neutral","sentiment_score":0.01709375251084566},{"text":"So Yeah.","start":596.005,"end":612.26,"sentiment":"neutral","sentiment_score":0.037629060447216034},{"text":"So I've got it.","start":612.26,"end":613.14,"sentiment":"neutral","sentiment_score":0.03496115934103727},{"text":"Yeah.","start":613.14,"end":613.38,"sentiment":"neutral","sentiment_score":0.039863184094429016}],"sentiment":"neutral","sentiment_score":0.03623978062891043,"num_words":26,"start":583.67,"end":613.38},{"sentences":[{"text":"I've got invoice.","start":613.38,"end":614.28,"sentiment":"neutral","sentiment_score":0.030652292693654697},{"text":"I've got invoice simple.","start":614.58,"end":616.04004,"sentiment":"neutral","sentiment_score":0.029161750338971615},{"text":"And then, obviously, I've got a business account where my where all my money through that business comes through, and that was Rob was paying me into that as well.","start":616.41504,"end":626.17505,"sentiment":"neutral","sentiment_score":0.02639528221140305},{"text":"So my other so my employer now, he was paying me into my business account up until last week.","start":626.17505,"end":634.82,"sentiment":"neutral","sentiment_score":-0.021560729628330784},{"text":"Yeah.","start":636.88,"end":637.38,"sentiment":"neutral","sentiment_score":-0.00248696468770504}],"sentiment":"neutral","sentiment_score":0.010321430143034249,"num_words":57,"start":613.38,"end":637.38},{"sentences":[{"text":"Oh, yeah.","start":640.88,"end":641.6,"sentiment":"neutral","sentiment_score":0.0011241594329476357},{"text":"Yeah.","start":641.6,"end":642.015,"sentiment":"neutral","sentiment_score":-0.003919893875718117},{"text":"Yeah.","start":648.495,"end":648.97504,"sentiment":"neutral","sentiment_score":-0.08621606230735779},{"text":"I'd I'd say at least I don't know.","start":648.97504,"end":652.09503,"sentiment":"neutral","sentiment_score":-0.1963304877281189},{"text":"And it's kinda it's really hard to sort of break down because I I had the both I had both incomes last year all documented through my business account, and it was I think it came in at 52 or $53.","start":652.09503,"end":665.15,"sentiment":"neutral","sentiment_score":-0.11775957252375963}],"sentiment":"neutral","sentiment_score":-0.12239007570974107,"num_words":53,"start":640.88,"end":665.15},{"sentences":[{"text":"So I now that I've just taken a pay cut.","start":665.15,"end":669.285,"sentiment":"neutral","sentiment_score":-0.08668508231639863},{"text":"So this week, I worked a lot more for Rob than what I normally would, and I made, like, a thousand bucks before tax.","start":669.52496,"end":678.40497,"sentiment":"neutral","sentiment_score":0.09226642580082019},{"text":"But because I've just taken a $6 an hour pay cut, it's probably going to be that'll probably be, like, the max that I would make in a week.","start":678.40497,"end":688.42,"sentiment":"neutral","sentiment_score":-0.12459195816311343},{"text":"So it's probably gonna be more around the I would say 800, maybe 800 a week.","start":688.42,"end":694.68,"sentiment":"neutral","sentiment_score":-0.020305273741541896},{"text":"Mhmm.","start":707.115,"end":707.615,"sentiment":"neutral","sentiment_score":0.13368302583694458}],"sentiment":"neutral","sentiment_score":-0.03071030930877896,"num_words":80,"start":665.15,"end":707.615},{"sentences":[{"text":"Yep.","start":716.87006,"end":717.37006,"sentiment":"neutral","sentiment_score":0.015034014359116554},{"text":"Yeah.","start":730.225,"end":730.725,"sentiment":"neutral","sentiment_score":-0.040424641221761703},{"text":"Yeah.","start":740.82,"end":741.13995,"sentiment":"neutral","sentiment_score":0.03363283723592758},{"text":"Okay.","start":741.13995,"end":741.62,"sentiment":"neutral","sentiment_score":0.04970952123403549},{"text":"Alright.","start":741.62,"end":741.94,"sentiment":"neutral","sentiment_score":0.10802854597568512}],"sentiment":"neutral","sentiment_score":0.03319605551660061,"num_words":5,"start":716.87006,"end":741.94},{"sentences":[{"text":"Yep.","start":741.94,"end":742.44,"sentiment":"neutral","sentiment_score":0.09909798949956894},{"text":"Yeah.","start":754.46497,"end":754.96497,"sentiment":"neutral","sentiment_score":-0.03619968146085739},{"text":"Yeah.","start":766.72003,"end":766.96,"sentiment":"neutral","sentiment_score":-0.036883026361465454},{"text":"Okay.","start":766.96,"end":767.36,"sentiment":"neutral","sentiment_score":-0.03098210319876671},{"text":"Yeah.","start":767.36,"end":767.6,"sentiment":"neutral","sentiment_score":-0.022502968087792397}],"sentiment":"neutral","sentiment_score":-0.005493957921862603,"num_words":5,"start":741.94,"end":767.6},{"sentences":[{"text":"So I get it.","start":767.6,"end":768.24,"sentiment":"neutral","sentiment_score":-0.028400510549545288},{"text":"So if you're better off yeah.","start":768.24,"end":770.0,"sentiment":"neutral","sentiment_score":-0.25061723217368126},{"text":"They're better off claiming for more.","start":770.0,"end":771.94,"sentiment":"negative","sentiment_score":-0.34810880819956463},{"text":"Yeah.","start":774.88,"end":775.28,"sentiment":"neutral","sentiment_score":0.02099471725523472},{"text":"Okay.","start":775.28,"end":775.78,"sentiment":"neutral","sentiment_score":-0.03142334148287773}],"sentiment":"neutral","sentiment_score":-0.20646593937029442,"num_words":18,"start":767.6,"end":775.78},{"sentences":[{"text":"Yeah.","start":782.175,"end":782.575,"sentiment":"neutral","sentiment_score":0.0009437324479222298},{"text":"I mean, it it'd it'd probably be more than that because, yeah, like I said, my last year my last year's income was, like, 50 $3, and I should I should be making more this year.","start":782.575,"end":795.615,"sentiment":"neutral","sentiment_score":-0.00299917073506448},{"text":"So yeah.","start":795.615,"end":801.04004,"sentiment":"neutral","sentiment_score":-0.0059946379624307156},{"text":"The year before last would have been 40 something.","start":801.04004,"end":804.18,"sentiment":"neutral","sentiment_score":-0.015673734558125336},{"text":"So yeah.","start":805.28,"end":806.99,"sentiment":"neutral","sentiment_score":0.0054750218987464905}],"sentiment":"neutral","sentiment_score":-0.00498258514329791,"num_words":50,"start":782.175,"end":806.99},{"sentences":[{"text":"40 something as well, I think.","start":810.71497,"end":812.395,"sentiment":"neutral","sentiment_score":0.001599547763665517},{"text":"So, yeah, so, yeah, they're they're all they're between, I would say, between 47 and 52.","start":812.395,"end":819.135,"sentiment":"neutral","sentiment_score":-0.01032898313133046},{"text":"So I earn a lot less money now than what I used to because I used to work full time, but I also had to work, like, sixty hours a week.","start":820.71497,"end":828.23004,"sentiment":"neutral","sentiment_score":-0.036091414130022446},{"text":"And now I'm lucky if I work, like, thirty hours a week, so much nicer.","start":830.05005,"end":835.35004,"sentiment":"neutral","sentiment_score":0.21058163394530613},{"text":"Yep.","start":848.475,"end":848.795,"sentiment":"neutral","sentiment_score":0.08317145705223083}],"sentiment":"neutral","sentiment_score":0.028512980937417866,"num_words":69,"start":810.71497,"end":848.795},{"sentences":[{"text":"Sure.","start":848.795,"end":849.295,"sentiment":"neutral","sentiment_score":0.1013271138072014},{"text":"Yeah.","start":857.25,"end":857.57,"sentiment":"neutral","sentiment_score":0.05104980990290642},{"text":"Yeah.","start":857.57,"end":857.73004,"sentiment":"neutral","sentiment_score":0.047991618514060974},{"text":"Yeah.","start":857.73004,"end":857.97003,"sentiment":"neutral","sentiment_score":0.052660539746284485},{"text":"No worries.","start":857.97003,"end":858.71,"sentiment":"neutral","sentiment_score":0.05660039559006691}],"sentiment":"neutral","sentiment_score":0.06103831219176451,"num_words":6,"start":848.795,"end":858.71},{"sentences":[{"text":"Uh-huh.","start":873.095,"end":873.595,"sentiment":"neutral","sentiment_score":-0.024262920022010803},{"text":"Not without digging into, like, savings that are in yeah.","start":896.785,"end":901.285,"sentiment":"neutral","sentiment_score":-0.01696792021393776},{"text":"Yeah.","start":901.505,"end":901.90497,"sentiment":"neutral","sentiment_score":0.0498967245221138},{"text":"Exactly.","start":901.90497,"end":902.38495,"sentiment":"neutral","sentiment_score":0.06006476283073425},{"text":"So I pretty much live week I live week to week, but then I've got savings accounts and whatnot.","start":902.38495,"end":908.165,"sentiment":"neutral","sentiment_score":0.03520596592907647}],"sentiment":"neutral","sentiment_score":0.018279147432622267,"num_words":32,"start":873.095,"end":908.165},{"sentences":[{"text":"So yeah, I'm not happy with it, but it's not.","start":908.305,"end":915.93005,"sentiment":"negative","sentiment_score":-0.4073342181742191},{"text":"Like, it'd be awesome if it was, like, a week.","start":916.55005,"end":919.19,"sentiment":"neutral","sentiment_score":0.2526028484106064},{"text":"That'd be great.","start":919.19,"end":920.17004,"sentiment":"positive","sentiment_score":0.4756087263425191},{"text":"So but Yeah.","start":920.23004,"end":927.265,"sentiment":"neutral","sentiment_score":-0.012073038145899773},{"text":"Well, yeah, she's I don't plan on hurting myself.","start":932.84503,"end":936.28503,"sentiment":"neutral","sentiment_score":-0.32187289413478637}],"sentiment":"neutral","sentiment_score":-0.08724464800740991,"num_words":35,"start":908.305,"end":936.28503},{"sentences":[{"text":"So I don't think anyone does, but yeah.","start":936.28503,"end":940.11,"sentiment":"neutral","sentiment_score":-0.12201031856238842},{"text":"Yeah.","start":963.405,"end":963.905,"sentiment":"neutral","sentiment_score":0.012634309008717535},{"text":"Probably the same.","start":970.37,"end":971.67,"sentiment":"neutral","sentiment_score":0.03916514292359352},{"text":"Yeah.","start":971.73,"end":972.23,"sentiment":"neutral","sentiment_score":0.035235095769166946},{"text":"Yes.","start":983.17,"end":983.49,"sentiment":"neutral","sentiment_score":0.16002510488033295}],"sentiment":"neutral","sentiment_score":-0.04647804357643638,"num_words":14,"start":936.28503,"end":983.49},{"sentences":[{"text":"Yes.","start":983.49,"end":983.865,"sentiment":"neutral","sentiment_score":0.14070317149162292},{"text":"So the deductions.","start":984.02496,"end":984.765,"sentiment":"neutral","sentiment_score":0.12660722186168036},{"text":"Yeah.","start":986.825,"end":987.065,"sentiment":"neutral","sentiment_score":0.03653513640165329},{"text":"Yeah.","start":987.065,"end":987.385,"sentiment":"neutral","sentiment_score":0.04312346130609512},{"text":"I believe so.","start":987.385,"end":988.265,"sentiment":"neutral","sentiment_score":0.03353930513064066}],"sentiment":"neutral","sentiment_score":0.07786681668625937,"num_words":9,"start":983.49,"end":988.265},{"sentences":[{"text":"Yeah.","start":988.265,"end":988.765,"sentiment":"neutral","sentiment_score":0.10593877732753754},{"text":"Yeah.","start":990.345,"end":990.845,"sentiment":"neutral","sentiment_score":0.09440567344427107},{"text":"Obviously, my sleep is going up at the moment too because now I've got money going into every week.","start":990.90497,"end":997.35,"sentiment":"neutral","sentiment_score":-0.03669716118785896},{"text":"K.","start":999.99,"end":1000.49,"sentiment":"neutral","sentiment_score":0.02390158921480179},{"text":"Yep.","start":1014.08496,"end":1014.58496,"sentiment":"neutral","sentiment_score":0.04573606699705124}],"sentiment":"neutral","sentiment_score":-0.01857669372111559,"num_words":23,"start":988.265,"end":1014.58496},{"sentences":[{"text":"Mhmm.","start":1025.26,"end":1025.76,"sentiment":"neutral","sentiment_score":-0.0005660951137542725},{"text":"From I got a cleaning.","start":1049.195,"end":1050.575,"sentiment":"neutral","sentiment_score":-0.018202244117856026},{"text":"Oh, from from the employee.","start":1053.78,"end":1055.0801,"sentiment":"neutral","sentiment_score":-0.011998336017131805},{"text":"I I would say, like, yeah, probably probably no.","start":1055.3,"end":1061.54,"sentiment":"neutral","sentiment_score":-0.03934074752032757},{"text":"Give me one second.","start":1061.54,"end":1062.6,"sentiment":"neutral","sentiment_score":-0.023850781843066216}],"sentiment":"neutral","sentiment_score":-0.025043285451829433,"num_words":24,"start":1025.26,"end":1062.6},{"sentences":[{"text":"I'll just chat you on loudspeaker because I'll be able to go into my invoice simple app, and that tells me how much I've got in invoicing.","start":1062.755,"end":1072.775,"sentiment":"neutral","sentiment_score":0.05730027500195084},{"text":"So so far for 2026, I've invoiced out $8.","start":1074.515,"end":1080.0901,"sentiment":"neutral","sentiment_score":0.14054432428545421},{"text":"So that would be my total no.","start":1086.23,"end":1088.39,"sentiment":"neutral","sentiment_score":0.012871963903307915},{"text":"So $8 would be my total Where are we?","start":1088.39,"end":1093.345,"sentiment":"neutral","sentiment_score":0.013019748963415623},{"text":"$20.26.","start":1093.405,"end":1094.5449,"sentiment":"neutral","sentiment_score":-0.004342883825302124}],"sentiment":"neutral","sentiment_score":0.05688575373189348,"num_words":53,"start":1062.755,"end":1094.5449},{"sentences":[{"text":"Give me a breakdown, please.","start":1095.1649,"end":1096.945,"sentiment":"neutral","sentiment_score":0.00008331090211868286},{"text":"Estimate.","start":1097.085,"end":1097.585,"sentiment":"neutral","sentiment_score":0.007944123819470406},{"text":"Invoices, expenses, payments.","start":1099.965,"end":1101.985,"sentiment":"neutral","sentiment_score":0.002483823491881291},{"text":"Where are you at?","start":1102.125,"end":1103.345,"sentiment":"neutral","sentiment_score":-0.008128393208608031},{"text":"Reports.","start":1104.445,"end":1104.945,"sentiment":"neutral","sentiment_score":-0.014108332805335522}],"sentiment":"neutral","sentiment_score":-0.002200696916718568,"num_words":14,"start":1095.1649,"end":1104.945},{"sentences":[{"text":"Yeah.","start":1105.32,"end":1105.82,"sentiment":"neutral","sentiment_score":-0.03535880148410797},{"text":"So yeah.","start":1108.84,"end":1112.84,"sentiment":"neutral","sentiment_score":-0.07230789586901665},{"text":"So in that that's crazy.","start":1112.84,"end":1114.86,"sentiment":"neutral","sentiment_score":-0.19064167737960816},{"text":"So yeah.","start":1117.1599,"end":1118.2,"sentiment":"neutral","sentiment_score":-0.08624017238616943},{"text":"That's insane.","start":1118.2,"end":1120.625,"sentiment":"neutral","sentiment_score":-0.21812495589256287}],"sentiment":"neutral","sentiment_score":-0.1451594363898039,"num_words":12,"start":1105.32,"end":1120.625},{"sentences":[{"text":"10 invoices, five clients, 10 invoices at $6.","start":1120.685,"end":1124.4651,"sentiment":"neutral","sentiment_score":-0.09025412518531084},{"text":"Because most of them would be through Rob.","start":1126.925,"end":1128.8451,"sentiment":"neutral","sentiment_score":-0.09113728906959295},{"text":"That was when I was getting paid x amount of dollars per hour.","start":1128.8451,"end":1132.865,"sentiment":"neutral","sentiment_score":-0.09248664230108261},{"text":"So 20 five.","start":1133.005,"end":1134.385,"sentiment":"neutral","sentiment_score":-0.06257400910059611},{"text":"So my total invoice is sent out for all of 2025.","start":1135.0,"end":1140.94,"sentiment":"neutral","sentiment_score":-0.15547100454568863}],"sentiment":"neutral","sentiment_score":-0.10584559863389925,"num_words":43,"start":1120.685,"end":1140.94},{"sentences":[{"text":"It doesn't make sense.","start":1141.7999,"end":1142.84,"sentiment":"negative","sentiment_score":-0.3403240367770195},{"text":"It says 67,000.","start":1142.84,"end":1144.7799,"sentiment":"neutral","sentiment_score":-0.12082301576932271},{"text":"It is good.","start":1148.2,"end":1149.115,"sentiment":"neutral","sentiment_score":0.08783614387114842},{"text":"And then 2024, it says $63.","start":1149.115,"end":1152.495,"sentiment":"neutral","sentiment_score":-0.027908047505964834},{"text":"20 23, it says $54.","start":1153.0349,"end":1155.595,"sentiment":"neutral","sentiment_score":-0.03080783039331436}],"sentiment":"neutral","sentiment_score":-0.08484496189547437,"num_words":21,"start":1141.7999,"end":1155.595},{"sentences":[{"text":"Okay.","start":1155.595,"end":1155.995,"sentiment":"neutral","sentiment_score":-0.08081576973199844},{"text":"So maybe we're a little bit off there.","start":1155.995,"end":1158.4149,"sentiment":"neutral","sentiment_score":-0.19322248548269272},{"text":"So holy crap.","start":1158.9949,"end":1162.1549,"sentiment":"negative","sentiment_score":-0.43038103977839154},{"text":"I didn't realize it was that much.","start":1162.1549,"end":1163.91,"sentiment":"negative","sentiment_score":-0.3835505502564566},{"text":"That's insane.","start":1166.4701,"end":1167.29,"sentiment":"negative","sentiment_score":-0.33368852734565735}],"sentiment":"neutral","sentiment_score":-0.2985699847340584,"num_words":21,"start":1155.595,"end":1167.29},{"sentences":[{"text":"So yeah.","start":1172.9501,"end":1173.43,"sentiment":"neutral","sentiment_score":-0.003519117832183838},{"text":"So my whole my whole so that's a 147 invoices at yeah.","start":1173.43,"end":1180.7251,"sentiment":"neutral","sentiment_score":0.0014069347719972332},{"text":"So it's 67,371.","start":1180.7251,"end":1183.4451,"sentiment":"neutral","sentiment_score":-0.0075335935689508915},{"text":"Obviously, that's GST on top.","start":1183.4451,"end":1185.545,"sentiment":"neutral","sentiment_score":-0.04313255101442337},{"text":"So you would have to take what?","start":1187.285,"end":1189.9451,"sentiment":"neutral","sentiment_score":-0.06834054631846291}],"sentiment":"neutral","sentiment_score":-0.024372495807193476,"num_words":29,"start":1172.9501,"end":1189.9451},{"sentences":[{"text":"You would have to take 11% from that.","start":1190.405,"end":1193.09,"sentiment":"neutral","sentiment_score":-0.12429857719689608},{"text":"So I'll just do that quickly.","start":1194.51,"end":1195.87,"sentiment":"neutral","sentiment_score":0.0008896332583390176},{"text":"So 67 $37.01.","start":1195.87,"end":1197.97,"sentiment":"neutral","sentiment_score":0.010117228453358015},{"text":"Just try.","start":1199.23,"end":1199.79,"sentiment":"neutral","sentiment_score":-0.027115403674542904},{"text":"Give me one second.","start":1199.79,"end":1200.67,"sentiment":"neutral","sentiment_score":-0.040638940408825874}],"sentiment":"neutral","sentiment_score":-0.05110807398475869,"num_words":23,"start":1190.405,"end":1200.67},{"sentences":[{"text":"I gotta work this out.","start":1200.67,"end":1201.5499,"sentiment":"neutral","sentiment_score":-0.08909698128700257},{"text":"Because otherwise otherwise, it sounds like a money bag that I'm not.","start":1201.5499,"end":1204.695,"sentiment":"neutral","sentiment_score":-0.24963023699820042},{"text":"60 7 thousand $67,371.03 71 divided by 11 Is 6 point so 6,000.","start":1205.575,"end":1232.64,"sentiment":"neutral","sentiment_score":-0.005343934950920252},{"text":"So take 6,000 off that.","start":1232.64,"end":1234.3049,"sentiment":"neutral","sentiment_score":0.018647117540240288},{"text":"So about 61 is before tax, I guess, without yeah.","start":1234.3049,"end":1240.885,"sentiment":"neutral","sentiment_score":0.006849531456828118}],"sentiment":"neutral","sentiment_score":-0.07441751116679775,"num_words":45,"start":1200.67,"end":1240.885},{"sentences":[{"text":"That well, that's yeah, so that was just purely invoices, meaning all of my invoices went to Rob and The Gutter Cleaning.","start":1246.3049,"end":1256.58,"sentiment":"neutral","sentiment_score":0.05006995128298348},{"text":"So the breakdown actually, I'll be able to tell you that too because if I tell you because I'll be able to go into my invoice simple and just go with just click data on Wi Fi, which is who I was working for.","start":1257.52,"end":1274.355,"sentiment":"neutral","sentiment_score":0.04233119945803827},{"text":"So clients where is that?","start":1274.355,"end":1283.75,"sentiment":"neutral","sentiment_score":-0.03065536022186279},{"text":"Where is that?","start":1283.75,"end":1284.23,"sentiment":"neutral","sentiment_score":-0.06571855147679646},{"text":"Where is it?","start":1284.23,"end":1285.13,"sentiment":"neutral","sentiment_score":-0.0658740612367789}],"sentiment":"neutral","sentiment_score":0.031377364482198446,"num_words":77,"start":1246.3049,"end":1285.13},{"sentences":[{"text":"Yeah.","start":1286.95,"end":1287.11,"sentiment":"neutral","sentiment_score":-0.0297631174325943},{"text":"So this is only giving me a total figure.","start":1287.11,"end":1290.8099,"sentiment":"neutral","sentiment_score":-0.06423065976964103},{"text":"200 and 10 201 invoices, 167,000.","start":1291.135,"end":1298.835,"sentiment":"neutral","sentiment_score":-0.03395532816648483},{"text":"So it's only telling me the whole lot.","start":1298.975,"end":1300.995,"sentiment":"neutral","sentiment_score":-0.09082859102636576},{"text":"So if I go to reports here we go.","start":1302.335,"end":1308.6901,"sentiment":"neutral","sentiment_score":-0.003889174924956428}],"sentiment":"neutral","sentiment_score":-0.047672797784660804,"num_words":33,"start":1286.95,"end":1308.6901},{"sentences":[{"text":"So I can tell you what I got paid from Rob last year.","start":1308.9901,"end":1313.01,"sentiment":"neutral","sentiment_score":0.01724382547231821},{"text":"Where is it?","start":1315.2301,"end":1316.2101,"sentiment":"neutral","sentiment_score":0.054615769535303116},{"text":"Give me one second.","start":1323.9551,"end":1325.015,"sentiment":"neutral","sentiment_score":0.016211993992328644},{"text":"This is so my head in a little bit.","start":1325.435,"end":1328.295,"sentiment":"neutral","sentiment_score":-0.007018974671761195},{"text":"Yeah.","start":1334.73,"end":1334.89,"sentiment":"neutral","sentiment_score":0.10221346467733385}],"sentiment":"neutral","sentiment_score":0.01639692361156146,"num_words":30,"start":1308.9901,"end":1334.89},{"sentences":[{"text":"Yeah.","start":1334.89,"end":1335.21,"sentiment":"neutral","sentiment_score":0.07568638026714325},{"text":"So it was $47 for from him in 2024, and I had a total of 63,000.","start":1335.21,"end":1347.705,"sentiment":"neutral","sentiment_score":0.06497780221980065},{"text":"So that tells you that I made about $16 for my own business.","start":1347.705,"end":1355.645,"sentiment":"neutral","sentiment_score":0.048827335525017515},{"text":"And then in 2025, they I don't think it's got the antenna bloke there anymore.","start":1358.025,"end":1368.02,"sentiment":"neutral","sentiment_score":-0.11430187067016959},{"text":"It shouldn't.","start":1368.08,"end":1368.66,"sentiment":"neutral","sentiment_score":-0.1627737507224083}],"sentiment":"neutral","sentiment_score":-0.006169978380599555,"num_words":47,"start":1334.89,"end":1368.66},{"sentences":[{"text":"No.","start":1369.92,"end":1370.16,"sentiment":"neutral","sentiment_score":-0.1188426986336708},{"text":"It's only got clicked out on Wi Fi, which is the same company.","start":1370.16,"end":1373.3,"sentiment":"neutral","sentiment_score":-0.03331771607582386},{"text":"We've got $5,050,000, and my total income was 67.","start":1373.84,"end":1379.2151,"sentiment":"neutral","sentiment_score":0.08599804176224603},{"text":"So our audit, like, not 67, but it's like yeah.","start":1380.3151,"end":1383.915,"sentiment":"neutral","sentiment_score":0.046031033433973786},{"text":"So $50 from him.","start":1383.915,"end":1385.535,"sentiment":"neutral","sentiment_score":0.05576640274375677}],"sentiment":"neutral","sentiment_score":0.024469873339340493,"num_words":37,"start":1369.92,"end":1385.535},{"sentences":[{"text":"Well, just remember, we gotta take we gotta take the GST off of that too.","start":1385.5951,"end":1389.84,"sentiment":"neutral","sentiment_score":0.09646509538094203},{"text":"So so $50, what so it'd be 11% would be roughly are you doing that for me?","start":1391.84,"end":1402.065,"sentiment":"neutral","sentiment_score":0.20259524049127803},{"text":"Yeah.","start":1405.6649,"end":1405.9049,"sentiment":"neutral","sentiment_score":0.011460390873253344},{"text":"Yeah.","start":1405.9049,"end":1406.1449,"sentiment":"neutral","sentiment_score":0.05069667100906372},{"text":"Yeah.","start":1406.1449,"end":1406.3849,"sentiment":"neutral","sentiment_score":0.0588783361017704}],"sentiment":"neutral","sentiment_score":0.14320374048714127,"num_words":35,"start":1385.5951,"end":1406.3849},{"sentences":[{"text":"So this is yeah.","start":1406.3849,"end":1407.105,"sentiment":"neutral","sentiment_score":0.09923232346773148},{"text":"I'm gonna take GST off.","start":1407.105,"end":1408.3849,"sentiment":"neutral","sentiment_score":0.10522489622235298},{"text":"I I earned $67 last year, and then it was $50.50 grand from actually Rob.","start":1408.3849,"end":1416.65,"sentiment":"neutral","sentiment_score":0.1420090859134992},{"text":"So, yeah, $1,717,000.","start":1416.65,"end":1419.45,"sentiment":"neutral","sentiment_score":0.17050925890604654},{"text":"So around, yeah, around 15 to $16 a year is what I'm making for myself.","start":1419.45,"end":1423.5499,"sentiment":"neutral","sentiment_score":0.1638125831882159}],"sentiment":"neutral","sentiment_score":0.14337872829110848,"num_words":42,"start":1406.3849,"end":1423.5499},{"sentences":[{"text":"Yeah.","start":1425.69,"end":1426.19,"sentiment":"neutral","sentiment_score":0.20253419876098633},{"text":"That's with GST.","start":1429.69,"end":1430.83,"sentiment":"neutral","sentiment_score":0.04756776491800944},{"text":"Yes.","start":1430.89,"end":1431.165,"sentiment":"neutral","sentiment_score":0.0903378576040268},{"text":"Yeah.","start":1431.3251,"end":1431.8251,"sentiment":"neutral","sentiment_score":0.11405888199806212},{"text":"So you gotta yeah.","start":1432.765,"end":1433.805,"sentiment":"neutral","sentiment_score":0.0795755572617054}],"sentiment":"neutral","sentiment_score":0.08679364621639252,"num_words":10,"start":1425.69,"end":1433.805},{"sentences":[{"text":"That's all all included.","start":1433.805,"end":1435.165,"sentiment":"neutral","sentiment_score":0.13907066360116005},{"text":"So that has to be obviously deducted out of it because then, yeah, you're just adding you're adding, what, 10% on top of everything that you're making.","start":1435.165,"end":1445.185,"sentiment":"neutral","sentiment_score":0.07255212838451068},{"text":"Yep.","start":1447.2301,"end":1447.7301,"sentiment":"neutral","sentiment_score":0.12123817205429076},{"text":"Yeah.","start":1464.3151,"end":1464.715,"sentiment":"neutral","sentiment_score":-0.014004390686750412},{"text":"And I'm taking, yeah, $6 an hour pay cut.","start":1464.715,"end":1468.3151,"sentiment":"neutral","sentiment_score":-0.0476224422454834}],"sentiment":"neutral","sentiment_score":0.05223385528439567,"num_words":42,"start":1433.805,"end":1468.3151},{"sentences":[{"text":"So it'd be minimum it's gonna be minimum of a $150 or a 100 and it'll be a $120 a week less as, like, as a maximum.","start":1468.3151,"end":1480.52,"sentiment":"neutral","sentiment_score":-0.008929835270262428},{"text":"So but that's if it depends on the hours I work too because the less hours I work, the more, like, the the the less I'm earning, obviously.","start":1481.78,"end":1492.475,"sentiment":"neutral","sentiment_score":-0.09713046412382807},{"text":"But yeah.","start":1492.475,"end":1493.215,"sentiment":"neutral","sentiment_score":-0.103432796895504},{"text":"Even I'm basing that off of if I do a twenty hour week, I'm gonna lose a $120 a week from what I was getting paid before, which is yeah.","start":1493.915,"end":1505.6799,"sentiment":"negative","sentiment_score":-0.4421502967675527},{"text":"I mean, it's not huge because someone else is paying for my fuel now, and I was spending a 150 to $200 a week on fuel.","start":1505.6799,"end":1513.44,"sentiment":"neutral","sentiment_score":-0.17789020790503576}],"sentiment":"neutral","sentiment_score":-0.18634759690365302,"num_words":113,"start":1468.3151,"end":1513.44},{"sentences":[{"text":"So I sort of make money up there.","start":1513.44,"end":1515.5399,"sentiment":"neutral","sentiment_score":-0.04928566049784422},{"text":"So it works out.","start":1515.6799,"end":1516.7999,"sentiment":"neutral","sentiment_score":0.24263794347643852},{"text":"Yeah.","start":1516.7999,"end":1517.2999,"sentiment":"neutral","sentiment_score":0.13231492042541504},{"text":"Yeah.","start":1527.535,"end":1528.035,"sentiment":"neutral","sentiment_score":0.17579707503318787},{"text":"Yep.","start":1536.51,"end":1537.01,"sentiment":"neutral","sentiment_score":0.06875438988208771}],"sentiment":"neutral","sentiment_score":0.06354219168424606,"num_words":15,"start":1513.44,"end":1537.01},{"sentences":[{"text":"No.","start":1542.8351,"end":1543.155,"sentiment":"neutral","sentiment_score":-0.07725962996482849},{"text":"I've only made, like I think I made one or two if that.","start":1543.155,"end":1546.6951,"sentiment":"neutral","sentiment_score":-0.11155558778689457},{"text":"One one thing that's sort of settled a bit because it this is all 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yeah.","start":1570.745,"end":1575.545,"sentiment":"neutral","sentiment_score":0.03607827611267567},{"text":"And it worked out well.","start":1575.545,"end":1577.005,"sentiment":"positive","sentiment_score":0.4058124303817749},{"text":"So yeah.","start":1577.385,"end":1583.52,"sentiment":"neutral","sentiment_score":0.21342578530311584},{"text":"Yeah.","start":1589.68,"end":1590.16,"sentiment":"neutral","sentiment_score":0.0441279299557209}],"sentiment":"neutral","sentiment_score":0.020764697715640067,"num_words":60,"start":1558.62,"end":1590.16},{"sentences":[{"text":"Hold hold on one second.","start":1590.16,"end":1591.28,"sentiment":"neutral","sentiment_score":0.006241902336478233},{"text":"I'm talking to the CFOANUATION 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leave that for now.","start":1699.73,"end":1700.93,"sentiment":"neutral","sentiment_score":0.16748476028442383},{"text":"Yeah.","start":1700.93,"end":1701.43,"sentiment":"neutral","sentiment_score":0.22491833567619324},{"text":"No worries.","start":1714.145,"end":1714.805,"sentiment":"neutral","sentiment_score":0.11900384724140167},{"text":"Yep.","start":1719.72,"end":1719.8,"sentiment":"neutral","sentiment_score":0.0802711546421051},{"text":"Yep.","start":1719.8,"end":1720.3,"sentiment":"neutral","sentiment_score":0.147413432598114}],"sentiment":"neutral","sentiment_score":0.1528034418821335,"num_words":10,"start":1699.73,"end":1720.3},{"sentences":[{"text":"Yep.","start":1727.4,"end":1727.9,"sentiment":"neutral","sentiment_score":0.07721877098083496},{"text":"Yes.","start":1740.8551,"end":1741.175,"sentiment":"neutral","sentiment_score":0.038032203912734985},{"text":"Somewhere around 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the in the sense of most people's mortgages.","start":1765.935,"end":1770.035,"sentiment":"neutral","sentiment_score":-0.3129987652812685}],"sentiment":"neutral","sentiment_score":-0.1762364969780559,"num_words":34,"start":1748.63,"end":1770.035},{"sentences":[{"text":"So yeah.","start":1770.095,"end":1771.005,"sentiment":"neutral","sentiment_score":0.039722563698887825},{"text":"Yeah.","start":1778.5801,"end":1778.9,"sentiment":"neutral","sentiment_score":0.01685032621026039},{"text":"Maybe.","start":1778.9,"end":1779.4,"sentiment":"neutral","sentiment_score":0.011927652172744274},{"text":"Is that no.","start":1779.54,"end":1784.3401,"sentiment":"neutral","sentiment_score":-0.03938359798242649},{"text":"No.","start":1784.3401,"end":1784.5801,"sentiment":"neutral","sentiment_score":-0.1259738951921463}],"sentiment":"neutral","sentiment_score":-0.01698769791983068,"num_words":8,"start":1770.095,"end":1784.5801},{"sentences":[{"text":"I never 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mine?","start":1803.2899,"end":1806.6699,"sentiment":"neutral","sentiment_score":-0.0003475034609436989},{"text":"Yeah.","start":1810.1699,"end":1810.6699,"sentiment":"neutral","sentiment_score":0.0096420431509614},{"text":"Yeah.","start":1816.01,"end":1816.245,"sentiment":"neutral","sentiment_score":0.012069860473275185},{"text":"So yeah.","start":1816.245,"end":1817.0499,"sentiment":"neutral","sentiment_score":0.009374434128403664},{"text":"That's, yeah, still still I'm not sure how much she's got now, but, yeah, I've still got the 52 sitting in as which is it's all our money.","start":1817.0499,"end":1829.035,"sentiment":"neutral","sentiment_score":-0.01954665600455233}],"sentiment":"neutral","sentiment_score":-0.011363625360859764,"num_words":45,"start":1803.2899,"end":1829.035},{"sentences":[{"text":"So it's not yeah.","start":1829.3351,"end":1830.855,"sentiment":"neutral","sentiment_score":-0.004794285167008638},{"text":"We're not possessive of 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on?","start":2068.94,"end":2070.24,"sentiment":"neutral","sentiment_score":-0.1159126665443182}],"sentiment":"neutral","sentiment_score":-0.05854917087902625,"num_words":30,"start":2061.42,"end":2070.24},{"sentences":[{"text":"Yep.","start":2088.27,"end":2088.77,"sentiment":"neutral","sentiment_score":0.06201089546084404},{"text":"Yep.","start":2091.95,"end":2092.45,"sentiment":"neutral","sentiment_score":0.062011733651161194},{"text":"Yep.","start":2096.43,"end":2096.865,"sentiment":"neutral","sentiment_score":0.05067929252982139},{"text":"Yep.","start":2106.305,"end":2106.805,"sentiment":"neutral","sentiment_score":0.13279353082180023},{"text":"Yeah.","start":2106.865,"end":2107.265,"sentiment":"neutral","sentiment_score":0.27573055028915405}],"sentiment":"neutral","sentiment_score":0.11664520055055619,"num_words":5,"start":2088.27,"end":2107.265},{"sentences":[{"text":"Awesome.","start":2107.265,"end":2107.665,"sentiment":"positive","sentiment_score":0.6361256837844849},{"text":"Awesome.","start":2107.665,"end":2107.985,"sentiment":"positive","sentiment_score":0.6498240232467651},{"text":"That'd be great.","start":2107.985,"end":2108.88,"sentiment":"positive","sentiment_score":0.6653340458869934},{"text":"Yeah.","start":2119.7598,"end":2120.16,"sentiment":"neutral","sentiment_score":0.037030480802059174},{"text":"Yeah.","start":2120.16,"end":2120.3198,"sentiment":"neutral","sentiment_score":0.03357091173529625}],"sentiment":"positive","sentiment_score":0.47893617674708366,"num_words":7,"start":2107.265,"end":2120.3198},{"sentences":[{"text":"Yeah.","start":2120.3198,"end":2120.5598,"sentiment":"neutral","sentiment_score":0.0404471829533577},{"text":"No worries.","start":2120.5598,"end":2121.195,"sentiment":"neutral","sentiment_score":0.06413472816348076},{"text":"Yes.","start":2153.4849,"end":2153.9849,"sentiment":"neutral","sentiment_score":-0.11681506037712096},{"text":"Yep.","start":2175.32,"end":2175.56,"sentiment":"neutral","sentiment_score":0.017258446663618088},{"text":"Yep.","start":2175.56,"end":2176.06,"sentiment":"neutral","sentiment_score":0.06646469235420227}],"sentiment":"neutral","sentiment_score":0.0226041196535031,"num_words":6,"start":2120.3198,"end":2176.06},{"sentences":[{"text":"Yep.","start":2195.24,"end":2195.74,"sentiment":"neutral","sentiment_score":0.10012781620025636},{"text":"No.","start":2211.0151,"end":2211.2551,"sentiment":"neutral","sentiment_score":-0.2867187261581421},{"text":"I haven't.","start":2211.2551,"end":2211.8152,"sentiment":"neutral","sentiment_score":-0.29722024500370026},{"text":"No.","start":2211.8152,"end":2212.0552,"sentiment":"neutral","sentiment_score":-0.17686352133750916},{"text":"Every every every now and then, I do the I'll look at your trade summaries that get sent through and I'm like, oh, you lost me money here.","start":2212.0552,"end":2219.07,"sentiment":"neutral","sentiment_score":-0.1790188791097275}],"sentiment":"neutral","sentiment_score":-0.18092192534470197,"num_words":33,"start":2195.24,"end":2219.07},{"sentences":[{"text":"You lost me money there.","start":2219.07,"end":2220.03,"sentiment":"negative","sentiment_score":-0.5142406344413757},{"text":"You're like, oh my god.","start":2220.03,"end":2221.23,"sentiment":"negative","sentiment_score":-0.4003534853458405},{"text":"I lost money here.","start":2221.23,"end":2222.1099,"sentiment":"negative","sentiment_score":-0.4961223900318146},{"text":"I lost money there.","start":2222.1099,"end":2222.91,"sentiment":"negative","sentiment_score":-0.4525560960173607},{"text":"I'm like, sometimes I open them and I'm like, well, that was depressing.","start":2222.91,"end":2225.89,"sentiment":"negative","sentiment_score":-0.337976329601728}],"sentiment":"negative","sentiment_score":-0.4116573170308144,"num_words":31,"start":2219.07,"end":2225.89},{"sentences":[{"text":"Goodbye.","start":2226.03,"end":2226.53,"sentiment":"negative","sentiment_score":-0.5453543663024902},{"text":"But yeah.","start":2226.75,"end":2227.49,"sentiment":"neutral","sentiment_score":-0.17000587284564972},{"text":"No.","start":2227.79,"end":2228.1099,"sentiment":"neutral","sentiment_score":-0.207532599568367},{"text":"All good.","start":2228.1099,"end":2228.85,"sentiment":"neutral","sentiment_score":-0.032771918922662735},{"text":"I haven't.","start":2248.29,"end":2248.95,"sentiment":"neutral","sentiment_score":-0.11781156063079834}],"sentiment":"neutral","sentiment_score":-0.17425820883363485,"num_words":8,"start":2226.03,"end":2248.95},{"sentences":[{"text":"Hold on.","start":2249.17,"end":2249.99,"sentiment":"neutral","sentiment_score":-0.10205511003732681},{"text":"Yeah.","start":2250.77,"end":2251.27,"sentiment":"neutral","sentiment_score":-0.014420971274375916},{"text":"Okay.","start":2263.425,"end":2263.925,"sentiment":"neutral","sentiment_score":0.08222796022891998},{"text":"Mhmm.","start":2272.32,"end":2272.82,"sentiment":"neutral","sentiment_score":0.07302223145961761},{"text":"Yep.","start":2293.5598,"end":2294.0598,"sentiment":"neutral","sentiment_score":-0.02441012486815453}],"sentiment":"neutral","sentiment_score":-0.014615187421441078,"num_words":6,"start":2249.17,"end":2294.0598},{"sentences":[{"text":"Yep.","start":2302.5999,"end":2303.0999,"sentiment":"neutral","sentiment_score":0.06417301297187805},{"text":"Yeah.","start":2323.8901,"end":2324.2102,"sentiment":"neutral","sentiment_score":0.1805962920188904},{"text":"Yep.","start":2324.2102,"end":2324.7102,"sentiment":"neutral","sentiment_score":0.23994670808315277},{"text":"So I just moved on quicker.","start":2325.4902,"end":2326.85,"sentiment":"positive","sentiment_score":0.5073139617840449},{"text":"Yeah.","start":2326.85,"end":2327.35,"sentiment":"positive","sentiment_score":0.4128307104110718}],"sentiment":"positive","sentiment_score":0.39414304941892625,"num_words":10,"start":2302.5999,"end":2327.35},{"sentences":[{"text":"Yeah.","start":2342.715,"end":2343.215,"sentiment":"neutral","sentiment_score":0.20184281468391416},{"text":"Yeah.","start":2343.355,"end":2343.7551,"sentiment":"neutral","sentiment_score":0.11673528701066972},{"text":"Yeah.","start":2343.7551,"end":2343.915,"sentiment":"neutral","sentiment_score":0.10177123546600342},{"text":"I I mean, I think I think so.","start":2343.915,"end":2345.595,"sentiment":"neutral","sentiment_score":0.09173921309411526},{"text":"I mean, I'm I'm trusting you guys with my money.","start":2345.595,"end":2348.575,"sentiment":"neutral","sentiment_score":0.28326070606708526}],"sentiment":"neutral","sentiment_score":0.189850957265922,"num_words":21,"start":2342.715,"end":2348.575},{"sentences":[{"text":"So it's like, if you lose all my money, I'm gonna come looking for people.","start":2349.86,"end":2353.8801,"sentiment":"neutral","sentiment_score":-0.043077732622623446},{"text":"Yeah.","start":2356.74,"end":2357.06,"sentiment":"neutral","sentiment_score":0.0316377729177475},{"text":"I've got a rough idea.","start":2357.06,"end":2358.1,"sentiment":"neutral","sentiment_score":0.013413183577358722},{"text":"I've got names and photos, so that's all I need.","start":2358.1,"end":2360.6802,"sentiment":"neutral","sentiment_score":0.007575537730008364},{"text":"Yeah.","start":2361.885,"end":2362.385,"sentiment":"neutral","sentiment_score":0.006912750191986561}],"sentiment":"neutral","sentiment_score":-0.014524817845085636,"num_words":32,"start":2349.86,"end":2362.385},{"sentences":[{"text":"That's it.","start":2362.925,"end":2363.745,"sentiment":"neutral","sentiment_score":0.0027690842980518937},{"text":"But yeah.","start":2363.965,"end":2364.445,"sentiment":"neutral","sentiment_score":-0.00488120736554265},{"text":"No.","start":2364.445,"end":2364.945,"sentiment":"neutral","sentiment_score":-0.08096921443939209},{"text":"I'm I'm yeah.","start":2365.565,"end":2366.445,"sentiment":"neutral","sentiment_score":-0.0906597226858139},{"text":"Like, I don't this is the first time I've ever even invested in anything or even let anyone invest with things, so I don't.","start":2366.445,"end":2374.365,"sentiment":"neutral","sentiment_score":-0.1381389582529664}],"sentiment":"neutral","sentiment_score":-0.11476586333446903,"num_words":32,"start":2362.925,"end":2374.365},{"sentences":[{"text":"I usually hang up on callers and stuff.","start":2374.365,"end":2376.605,"sentiment":"neutral","sentiment_score":-0.2597594950348139},{"text":"It was it was just by chance that when Hub twenty four first called me that I was just like, you know what?","start":2376.605,"end":2382.8801,"sentiment":"neutral","sentiment_score":-0.0059435882646104565},{"text":"I've I've got super there.","start":2383.18,"end":2384.3801,"sentiment":"neutral","sentiment_score":-0.19351108074188234},{"text":"It's doing nothing.","start":2384.3801,"end":2385.36,"sentiment":"neutral","sentiment_score":-0.25141964356104535},{"text":"I'm not putting any money in there if I can make a bit of money.","start":2385.66,"end":2388.3,"sentiment":"neutral","sentiment_score":-0.14107275481025378}],"sentiment":"neutral","sentiment_score":-0.11208674346131307,"num_words":54,"start":2374.365,"end":2388.3},{"sentences":[{"text":"And and it did it it definitely made me some money in the first twelve months or so.","start":2388.3,"end":2393.035,"sentiment":"neutral","sentiment_score":0.16788963932130072},{"text":"Not so much.","start":2393.255,"end":2393.9749,"sentiment":"neutral","sentiment_score":-0.138263409336408},{"text":"It hasn't meant so much the last year, but still a little bit.","start":2393.9749,"end":2397.755,"sentiment":"neutral","sentiment_score":-0.10039219776025185},{"text":"But it's been good to see it grow, and I I know that now the money's going in there that it's going only going to keep going up anyway, so that's fine.","start":2398.855,"end":2405.59,"sentiment":"positive","sentiment_score":0.5434536691755056},{"text":"Yeah.","start":2411.41,"end":2411.91,"sentiment":"neutral","sentiment_score":0.11004950106143951}],"sentiment":"neutral","sentiment_score":0.2806371884114707,"num_words":67,"start":2388.3,"end":2411.91},{"sentences":[{"text":"Mhmm.","start":2414.53,"end":2415.03,"sentiment":"neutral","sentiment_score":0.11748217046260834},{"text":"Yeah.","start":2418.21,"end":2418.53,"sentiment":"neutral","sentiment_score":0.14063523709774017},{"text":"No worries.","start":2418.53,"end":2419.005,"sentiment":"neutral","sentiment_score":0.18197210878133774},{"text":"No worries.","start":2434.39,"end":2435.13,"sentiment":"neutral","sentiment_score":0.022079057060182095},{"text":"No worries.","start":2440.55,"end":2441.21,"sentiment":"neutral","sentiment_score":0.033023104071617126}],"sentiment":"neutral","sentiment_score":0.0915332434233278,"num_words":8,"start":2414.53,"end":2441.21},{"sentences":[{"text":"What what?","start":2446.07,"end":2446.73,"sentiment":"neutral","sentiment_score":-0.003477703547105193},{"text":"No.","start":2449.27,"end":2449.545,"sentiment":"neutral","sentiment_score":-0.04587339982390404},{"text":"No.","start":2451.385,"end":2451.885,"sentiment":"neutral","sentiment_score":-0.09318585693836212},{"text":"No idea.","start":2460.7449,"end":2461.645,"sentiment":"neutral","sentiment_score":-0.045074498280882835},{"text":"Oh, 100 percent.","start":2466.76,"end":2467.64,"sentiment":"neutral","sentiment_score":-0.036212364211678505}],"sentiment":"neutral","sentiment_score":-0.03831119478369752,"num_words":9,"start":2446.07,"end":2467.64},{"sentences":[{"text":"Yeah.","start":2467.64,"end":2468.1199,"sentiment":"neutral","sentiment_score":0.021194422617554665},{"text":"More than 20, I would say.","start":2468.1199,"end":2469.98,"sentiment":"neutral","sentiment_score":0.02657714548210303},{"text":"I don't wanna go high risk because I don't wanna lose my money.","start":2497.26,"end":2500.8,"sentiment":"neutral","sentiment_score":-0.18260656813016304},{"text":"Yeah.","start":2505.325,"end":2505.825,"sentiment":"neutral","sentiment_score":0.037949468940496445},{"text":"I guess, moderate risk, I guess.","start":2506.7651,"end":2508.605,"sentiment":"neutral","sentiment_score":0.01315669653316339}],"sentiment":"neutral","sentiment_score":-0.07690142377935073,"num_words":27,"start":2467.64,"end":2508.605},{"sentences":[{"text":"Yes.","start":2508.605,"end":2509.105,"sentiment":"neutral","sentiment_score":0.03489173576235771},{"text":"Probably last week.","start":2538.995,"end":2540.0352,"sentiment":"neutral","sentiment_score":-0.14438426991303763},{"text":"Excuse Can you just repeat the first five of the questions?","start":2540.0352,"end":2567.855,"sentiment":"neutral","sentiment_score":-0.02262619984420863},{"text":"Yeah.","start":2575.835,"end":2576.28,"sentiment":"neutral","sentiment_score":-0.08138610422611237},{"text":"I'll be concerned.","start":2583.0,"end":2583.9001,"sentiment":"neutral","sentiment_score":-0.2773261070251465}],"sentiment":"neutral","sentiment_score":-0.08213229987182115,"num_words":19,"start":2508.605,"end":2583.9001},{"sentences":[{"text":"Yeah.","start":2583.96,"end":2584.46,"sentiment":"neutral","sentiment_score":-0.09204269200563432},{"text":"No.","start":2596.735,"end":2597.235,"sentiment":"neutral","sentiment_score":-0.11174561828374864},{"text":"Possibly.","start":2604.3,"end":2604.8,"sentiment":"neutral","sentiment_score":-0.02355334721505642},{"text":"Okay.","start":2618.3,"end":2618.745,"sentiment":"neutral","sentiment_score":0.07563935220241547},{"text":"Mhmm.","start":2628.745,"end":2629.245,"sentiment":"neutral","sentiment_score":0.038952428847551346}],"sentiment":"neutral","sentiment_score":-0.022549975290894513,"num_words":5,"start":2583.96,"end":2629.245},{"sentences":[{"text":"Yep.","start":2635.42,"end":2635.92,"sentiment":"neutral","sentiment_score":0.11154188960790634},{"text":"Mhmm.","start":2660.56,"end":2661.06,"sentiment":"neutral","sentiment_score":0.09314288198947906},{"text":"Yeah.","start":2702.835,"end":2703.075,"sentiment":"neutral","sentiment_score":0.03961729258298874},{"text":"Maybe we can get down to yeah.","start":2703.075,"end":2705.22,"sentiment":"neutral","sentiment_score":0.048551716442619054},{"text":"Because that is yeah.","start":2705.22,"end":2706.02,"sentiment":"neutral","sentiment_score":0.0592073118314147}],"sentiment":"neutral","sentiment_score":0.05864238047174045,"num_words":14,"start":2635.42,"end":2706.02},{"sentences":[{"text":"I'm definitely more concerned about money nowadays.","start":2706.02,"end":2709.16,"sentiment":"neutral","sentiment_score":-0.042033717701477666},{"text":"Yeah.","start":2711.14,"end":2711.64,"sentiment":"neutral","sentiment_score":0.05397640913724899},{"text":"A 100 percent.","start":2711.7,"end":2712.66,"sentiment":"neutral","sentiment_score":0.06336020057400067},{"text":"So taking taking a bit of a hit with the income and whatnot is yeah.","start":2712.66,"end":2718.405,"sentiment":"neutral","sentiment_score":-0.040134758005539575},{"text":"It's all been a little bit concerning, and then the things that have been going on with the house have been a bit concerning as well.","start":2718.485,"end":2725.365,"sentiment":"neutral","sentiment_score":-0.16732655064417765}],"sentiment":"neutral","sentiment_score":-0.09620559038236164,"num_words":52,"start":2706.02,"end":2725.365},{"sentences":[{"text":"So just trying to keep everything pretty close knit at the moment.","start":2725.365,"end":2730.105,"sentiment":"neutral","sentiment_score":-0.001604227504382531},{"text":"Yep.","start":2758.5652,"end":2758.725,"sentiment":"neutral","sentiment_score":0.16267232596874237},{"text":"Yep.","start":2758.725,"end":2759.07,"sentiment":"neutral","sentiment_score":0.19194357097148895},{"text":"That'd be awesome.","start":2760.99,"end":2761.8901,"sentiment":"positive","sentiment_score":0.3346446951230367},{"text":"No dramas.","start":2770.59,"end":2771.385,"sentiment":"neutral","sentiment_score":0.056077953428030014}],"sentiment":"neutral","sentiment_score":0.07639237679541111,"num_words":19,"start":2725.365,"end":2771.385},{"sentences":[{"text":"No.","start":2783.785,"end":2784.105,"sentiment":"neutral","sentiment_score":-0.046774379909038544},{"text":"No.","start":2784.105,"end":2784.425,"sentiment":"neutral","sentiment_score":-0.038298990577459335},{"text":"All good.","start":2784.425,"end":2785.165,"sentiment":"positive","sentiment_score":0.36434759199619293},{"text":"Not all good.","start":2786.1099,"end":2793.01,"sentiment":"neutral","sentiment_score":-0.05242528021335602},{"text":"No worries.","start":2801.485,"end":2802.0452,"sentiment":"positive","sentiment_score":0.3410045802593231}],"sentiment":"neutral","sentiment_score":0.12981723704271847,"num_words":9,"start":2783.785,"end":2802.0452},{"sentences":[{"text":"Thank you.","start":2802.0452,"end":2802.7852,"sentiment":"positive","sentiment_score":0.6803176701068878},{"text":"No worries.","start":2814.52,"end":2815.24,"sentiment":"neutral","sentiment_score":0.32319357991218567},{"text":"Alright.","start":2815.24,"end":2815.6401,"sentiment":"positive","sentiment_score":0.3740864992141723},{"text":"Thank you.","start":2815.6401,"end":2816.3801,"sentiment":"positive","sentiment_score":0.6040707528591156},{"text":"Alright.","start":2818.76,"end":2819.0,"sentiment":"positive","sentiment_score":0.35326266288757324}],"sentiment":"positive","sentiment_score":0.4928141459822655,"num_words":8,"start":2802.0452,"end":2819.0},{"sentences":[{"text":"Bye.","start":2819.0,"end":2819.5,"sentiment":"neutral","sentiment_score":0.21790847182273865}],"sentiment":"neutral","sentiment_score":0.21790847182273865,"num_words":1,"start":2819.0,"end":2819.5}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Hello?\n\nChannel 0: Good afternoon. Is this Caleb?\n\nChannel 1: Yes. It sure is.\n\nChannel 0: Mhmm. This is Veronica from Financial. How are you this afternoon?\n\nChannel 1: Yeah. Not too bad, mate. Yourself?\n\nChannel 0: Yeah. Good. Thanks. I had you booked in for a bit of a catch up. Is now still a good time for you?\n\nChannel 1: Yeah. Yep. Yep. Now\n\nChannel 0: Yep.\n\nChannel 1: it's fine.\n\nChannel 0: Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay?\n\nChannel 1: Yep. No worries.\n\nChannel 0: Yep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Tell them on the 1988 and 5 Heathcock Court, Blakeview 5114.\n\nChannel 0: Yep. Perfect. That's exactly what I have here. How's your day been so far? I've been busy?\n\nChannel 1: It's been not too bad. Yeah. Reasonably\n\nChannel 0: Yeah.\n\nChannel 1: busy.\n\nChannel 0: Oh,\n\nChannel 1: Damn.\n\nChannel 0: well, that's good. And now I do have you booked in here for a bit of a a insurance review to see if we could reassess that for you.\n\nChannel 1: Yeah.\n\nChannel 0: And then, also, your your annual review is kind of up now as well. So if you're happy to do so, I'll kind of go through both of that today, if that's okay.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yeah. Perfect. Now we can start with insurances if you want, and I can see here that it's now kind of in that five year mark, so we can\n\nChannel 1: Yep.\n\nChannel 0: reassess insurances for you.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now last time when we looked at, obviously, your one pass insurances, so, I'll go back through all the insurance and see which one is going to be the best for you. So after the call, if you're happy to do so, I will transfer you over to my colleague, Kayden, who will just kind of run through a bit of an updated pre assessment just so we have up to date information. I will then send it out to all the insurers out there just to see if OnePath is still the best one or which one is going to be the most competitive for you.\n\nAnd then I'll\n\nChannel 1: Yep.\n\nChannel 0: kind of put together that research and recommendation for you.\n\nChannel 1: Okay.\n\nChannel 0: Now when it comes to the different type of cover, so last time, we were kind of looking at your life and your total permanent disability insurance, and\n\nChannel 1: Mhmm.\n\nChannel 0: the amount we were looking at was around 390,000. Now\n\nChannel 1: Yep.\n\nChannel 0: if we kind of revisit the amount and stuff like that, are you happy with the same amount? Have anything changed? Would you like to kind of revisit and see what's going to be appropriate for you today?\n\nChannel 1: Yeah. No. I think it's yeah. It came about the same.\n\nChannel 0: Keep it about the same. Yep. And just to confirm, because that was basically to cover a bit of funeral expenses and then also cover it was loss of income. We calculated about 45,000 at the time after tax for ten years and then kind of offset your super balance from it, and that gave us that $3.90.\n\nChannel 1: Yeah.\n\nChannel 0: So you're\n\nChannel 1: Okay.\n\nChannel 0: quite happy\n\nChannel 1: My\n\nChannel 0: with that?\n\nChannel 1: my income's probably more than that now, I would say.\n\nChannel 0: Okay. Yeah. What is it at the moment?\n\nChannel 1: I reckon it's about $52.53, somewhere around there. Yeah.\n\nChannel 0: Okay. Perfect. So about 52 and 53. Okay. Perfect.\n\nAnd you still kind of wanna factor in about 20,000 for funeral expenses in the calculation as well?\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Yep. Okay. Perfect. And, otherwise, kind of, you're happy to looking at replacing your income for about ten years if something were to happen to you and you were to pass away.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Okay. Perfect. And you would like to offset your super balance again from that amount? Because if something were to happen to you, your super would be paid up to your beneficiaries as well, or do you want that as, like, a separate one?\n\nChannel 1: And is there any benefits to having it separate or not?\n\nChannel 0: It would just mean that there's more money for your for your family.\n\nChannel 1: I'm not really sure, to be honest. So\n\nChannel 0: No. Well, I can always start by looking to not offsetting it, so give give the family a little bit more. And then if it is quite\n\nChannel 1: Yeah.\n\nChannel 0: expensive, then we can always kind of rein it back. Yes? Okay. Perfect. Now with total permanent disability, we were kind of looking at the same amount for the same\n\nChannel 1: Yeah.\n\nChannel 0: purposes. Is that still aligning with you? You're still happy with that?\n\nChannel 1: Yeah. Still happy\n\nChannel 0: Yep.\n\nChannel 1: with that.\n\nChannel 0: Yep. Great. Perfect. Now we were also looking at an income protection. So income protection is obviously to cover your loss of income if you are temporarily unable to work.\n\nNow\n\nChannel 1: Yep.\n\nChannel 0: I can see here as well that you've had a bit of a change to your occupation. Are you still doing the same thing? It's just that you're an employee now, not a subcontractor.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: So I still I still own my own business. I'm still doing\n\nChannel 0: Yeah.\n\nChannel 1: the gutter cleaning.\n\nChannel 0: Yep.\n\nChannel 1: And then three days a week, I am working for my mate, Rob. But, yeah, I've just gone from contractor to employee as of last week.\n\nChannel 0: Oh, perfect. But, otherwise, doing the same roles and everything like that.\n\nChannel 1: Yeah. Same. Well,\n\nChannel 0: Yep.\n\nChannel 1: pretty much everything stayed the same except for I've taken a $6 an hour pay cut\n\nChannel 0: Okay.\n\nChannel 1: because, obviously, he now has to pay for my fuel and he has to pay, like, work cover, all that sort of stuff. But I still wanna keep my own like I was thinking about it. I spoke to order Caden about it at the start of the week, and I was like, no. I still wanna do the income protection and stuff because if I hurt myself still in the gutters, he's like, Rob's work cover is not gonna cover me because that would be not working for him. I'd be doing something else.\n\nAnd, also, like, if I was to hurt myself just driving home, Yeah.\n\nChannel 0: Yes.\n\nChannel 1: And I'm not working for Robert's. Yeah. It's not covered there either. So I just thought I might as\n\nChannel 0: Correct.\n\nChannel 1: well cover myself on\n\nChannel 0: Yeah.\n\nChannel 1: two basis.\n\nChannel 0: Yep. And it's also, you know, if you do have an illness or injury that prevents you to going back for work. So even if, you know, something happens on the weekend or whenever and you do get, like, an illness or injury and can't go\n\nChannel 1: Yeah.\n\nChannel 0: back for a while, it's also covered there. Whereas your your work cover wouldn't. That would only be something were to happen when you're at work.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Exactly.\n\nChannel 0: the income protection, yeah, would give you a bit more. So with the income protection, the way that it works as well is that can cover up to 70% of your income. So\n\nChannel 1: Yep.\n\nChannel 0: with your income as well, because it's kind of for the true now I will check with the insurance. If you're doing same things and it's quite consistent, some of them are happy to cover both income, but I will just have to check with the insurer. So do you have\n\nChannel 1: Yep.\n\nChannel 0: the breakdown of, like, how much you would do from your business and then how much\n\nChannel 1: Yep.\n\nChannel 0: you\n\nChannel 1: It\n\nChannel 0: would\n\nChannel 1: is\n\nChannel 0: typically\n\nChannel 1: so it\n\nChannel 0: earn.\n\nChannel 1: is\n\nChannel 0: Mhmm.\n\nChannel 1: so sporadic. So a rough a rough breakdown would\n\nChannel 0: Mhmm.\n\nChannel 1: be before tax about a thousand bucks a week for working for my mate, roughly around there.\n\nChannel 0: Yep.\n\nChannel 1: Use yeah. So that would be so I usually take home about seven about\n\nChannel 0: Mhmm.\n\nChannel 1: $700 from working for him for three days,\n\nChannel 0: Mhmm.\n\nChannel 1: and then it's like for my work, it is so sporadic because,\n\nChannel 0: Okay.\n\nChannel 1: you know, I might do a couple of jobs personal, which could be $400 in a day, or I could do a couple of jobs for someone like a rental property or a aged care facility where it's, like, $200 for the day. You know what I mean? Like, it's a very big jump. So it could be $800 in two days, or it could $400 in two days. It's very, very sporadic.\n\nSo I don't really have a breakdown with my gutter cleaning work, but, I mean, yeah, it's not much. I don't get\n\nChannel 0: Yeah.\n\nChannel 1: much with the gutter cleaning. I really don't.\n\nChannel 0: Okay. Yeah. Because it is quite if it comes to claim time, that's why sorry. The specific question. Sorry.\n\nJust to kind of recapping. So for your for your friend,\n\nChannel 1: Yep.\n\nChannel 0: if you earn about $1,000 before tax per week, would that be about that $752,000 a year before tax? Does that sound pretty reasonable?\n\nChannel 1: It would sound yeah. It sound\n\nChannel 0: Yeah.\n\nChannel 1: yeah. Roughly around that.\n\nChannel 0: Roughly\n\nChannel 1: Yeah.\n\nChannel 0: done? Okay. Because the way that the income protection work is that they assess your income come claim time. So let's say if\n\nChannel 1: Mhmm.\n\nChannel 0: I insure you for the 52,000 from your from where you are employed, and then let's say we add a bit extra from your self employed business,\n\nChannel 1: Yeah. So, well, I mean, with that, that's the thing. So some, you know, some weeks, obviously, I haven't made that much with Rob, but where there's been weeks\n\nChannel 0: Okay.\n\nChannel 1: where I've only made, like, $5,500. So that's why because that's both of my incomes come together\n\nChannel 0: Okay.\n\nChannel 1: is, yeah, is is about $53. But yeah. So\n\nChannel 0: Would you say because with the income protection specialist, you are self employed, they will most likely ask for payslips or just documents to prove the income. So\n\nChannel 1: Yeah.\n\nChannel 0: as long as\n\nChannel 1: So\n\nChannel 0: we\n\nChannel 1: I've\n\nChannel 0: have\n\nChannel 1: got it.\n\nChannel 0: that\n\nChannel 1: Yeah. I've got invoice. I've got\n\nChannel 0: yep.\n\nChannel 1: invoice simple. And then,\n\nChannel 0: Okay.\n\nChannel 1: obviously, I've got a business account where my where all my money through that business comes\n\nChannel 0: Okay.\n\nChannel 1: through, and that was Rob was paying me into that as well. So\n\nChannel 0: Okay.\n\nChannel 1: my other so my employer now, he was paying me into my business account up until last week.\n\nChannel 0: Okay. So if if\n\nChannel 1: Yeah.\n\nChannel 0: it comes through it, you would have kind of documentation to prove that\n\nChannel 1: Oh,\n\nChannel 0: combined\n\nChannel 1: yeah. Yeah.\n\nChannel 0: income would be around the 50,000, or would you say 52?\n\nChannel 1: Yeah. I'd I'd say at least I don't know. And it's kinda it's really hard to\n\nChannel 0: Yeah.\n\nChannel 1: sort of break down because I I had the both I had both incomes last year all documented through my business account, and it was\n\nChannel 0: Yeah.\n\nChannel 1: I think it came in at 52 or $53. So\n\nChannel 0: Okay.\n\nChannel 1: I now that I've just taken a pay cut. So\n\nChannel 0: Yep.\n\nChannel 1: this week, I worked a lot more for Rob than what I normally would, and I made, like, a thousand bucks before\n\nChannel 0: Okay.\n\nChannel 1: tax. But because I've just taken a $6 an hour pay cut, it's probably going to be that'll probably be, like, the max that I would make in a week. So it's probably gonna be more around the I would say 800, maybe 800 a week.\n\nChannel 0: Mhmm. Mhmm. Because as well, yeah, how it works so, obviously, if you do have the the documents to prove it, that's great because the insurance will probably ask that for your income protection. So, obviously,\n\nChannel 1: Mhmm.\n\nChannel 0: we wanna make sure that it it match. But then also that, you know, if we were to say let's say calculate at 52,000, for example,\n\nChannel 1: Yep.\n\nChannel 0: and then something, let's say, would've happened in a year's time and you need to go on claim, they would only pay you 70% of your income at that time. So if\n\nChannel 1: Yeah.\n\nChannel 0: at that time your income is, let's say, 35, then you're only gonna get covered for 70% of 35 even though you're paying for more.\n\nChannel 1: Yeah. Okay. Alright.\n\nChannel 0: Does that\n\nChannel 1: Yep.\n\nChannel 0: make sense? So that is a that's kind of why I do want at least a bit of, a bit kind of certainty. It doesn't have to be exact because then, also, obviously, your income might increase and stuff like that. And, again,\n\nChannel 1: Yeah.\n\nChannel 0: they kind of go the other way. So if we insure you for, let's say, 50,000 and in two years' time, your income is a 100,000 and you need to go on claim, again, it's only 70% of the 50,000 because that's\n\nChannel 1: Yeah.\n\nChannel 0: the only\n\nChannel 1: Okay.\n\nChannel 0: amount\n\nChannel 1: Yeah.\n\nChannel 0: we've\n\nChannel 1: So\n\nChannel 0: insured.\n\nChannel 1: I get it.\n\nChannel 0: Does\n\nChannel 1: So\n\nChannel 0: Does that\n\nChannel 1: if\n\nChannel 0: make\n\nChannel 1: you're better off\n\nChannel 0: sense?\n\nChannel 1: yeah. They're better off claiming for more.\n\nChannel 0: Yeah. So so do\n\nChannel 1: Yeah.\n\nChannel 0: you think\n\nChannel 1: Okay.\n\nChannel 0: rough roughly, if we work with about 50,000, do you think that would be\n\nChannel 1: Yeah. I mean, it it'd it'd probably be more than that because, yeah, like\n\nChannel 0: okay.\n\nChannel 1: I said, my last year my last year's income was, like, 50\n\nChannel 0: Mhmm.\n\nChannel 1: $3, and I should I should be making more\n\nChannel 0: Okay. At the\n\nChannel 1: this\n\nChannel 0: the\n\nChannel 1: year.\n\nChannel 0: year\n\nChannel 1: So\n\nChannel 0: the year before last? Because sometimes they ask for payslips for, like, three years.\n\nChannel 1: yeah.\n\nChannel 0: The year\n\nChannel 1: The year before\n\nChannel 0: before.\n\nChannel 1: last would have been\n\nChannel 0: Mhmm.\n\nChannel 1: 40 something.\n\nChannel 0: Okay.\n\nChannel 1: So\n\nChannel 0: And\n\nChannel 1: yeah.\n\nChannel 0: and do you remember, like, the year before that?\n\nChannel 1: 40 something as well, I think. So,\n\nChannel 0: Okay.\n\nChannel 1: yeah, so, yeah, they're they're all they're between, I would say, between 47 and 52.\n\nChannel 0: Okay.\n\nChannel 1: So I earn a lot less money now than what I used to because I used to work full time, but I also\n\nChannel 0: Mhmm.\n\nChannel 1: had to\n\nChannel 0: Yeah.\n\nChannel 1: work, like, sixty hours a week.\n\nChannel 0: Okay. Yeah. Yeah.\n\nChannel 1: And now I'm lucky if I work, like, thirty hours a week, so\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: much nicer.\n\nChannel 0: Yeah. No. Definitely. Well, it pretty it sounds pretty much that we we if you are happy to do so, if it does vary between that 47 and 52, if you wanted to do the 50 as kind\n\nChannel 1: Yep.\n\nChannel 0: of like\n\nChannel 1: Sure.\n\nChannel 0: a a middle, then we can start there, and we can always change it and reassess it, obviously, depending your health, obviously, how things change for you.\n\nChannel 1: Yeah. Yeah. Yeah. No\n\nChannel 0: Yep.\n\nChannel 1: worries.\n\nChannel 0: Okay. Perfect. Now with income protection as well, you can have different waiting and benefit period. So the waiting period is how long you have to wait until you can start claiming on the policy. Now\n\nChannel 1: Uh-huh.\n\nChannel 0: last time, we were looking about a thirty date waiting, which is typically your shortest one, and most policies are then also paid thirty days in arrears. So that means that typically you wait about two months before that that income protection will kick in. Do you think you could last longer financially without the income, or do you think that would be pretty tight?\n\nChannel 1: Not without digging\n\nChannel 0: Tight?\n\nChannel 1: into, like, savings that\n\nChannel 0: Okay.\n\nChannel 1: are in yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: Exactly. So I pretty\n\nChannel 0: So\n\nChannel 1: much\n\nChannel 0: my\n\nChannel 1: live week I live week to week, but then I've got\n\nChannel 0: yeah.\n\nChannel 1: savings accounts and whatnot. So\n\nChannel 0: Yep. Okay. Maybe we'll leave it at that 30 then if you're happy with that and see\n\nChannel 1: yeah,\n\nChannel 0: how much\n\nChannel 1: I'm not happy with it, but it's not.\n\nChannel 0: Yeah.\n\nChannel 1: Like, it'd be awesome if it was, like, a week. That'd be great.\n\nChannel 0: Okay.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: but\n\nChannel 0: Now there are some that pay fifteen days in arrears, so a little bit shorter. So I'll factor\n\nChannel 1: Yeah.\n\nChannel 0: that in as well and see if we can find whatever is gonna be the shortest for you. I'll factor\n\nChannel 1: Well, yeah, she's I don't plan\n\nChannel 0: that.\n\nChannel 1: on hurting myself. So\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: I don't think\n\nChannel 0: But\n\nChannel 1: anyone does, but\n\nChannel 0: no.\n\nChannel 1: yeah.\n\nChannel 0: Yeah. No. Perfect. I'll have a look at that for you. Now the other thing is then your benefit period.\n\nSo how long you can be on claim if something were to happen. Now we can look at two years, five years, all the way up to the age of 65. Obviously, age 65 is the most expensive, but also the most comprehensive. Last\n\nChannel 1: Yeah.\n\nChannel 0: time, we were looking at kind of that middle ground of five years. What are your thoughts now?\n\nChannel 1: Probably the same.\n\nChannel 0: Probably\n\nChannel 1: Yeah.\n\nChannel 0: about the same? Okay. Perfect. Around five years. You prefer to have from within your superannuation so you don't have to pay for them out of pocket?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yes.\n\nChannel 1: So the deductions.\n\nChannel 0: Yep. Yes. So the, like,\n\nChannel 1: Yeah.\n\nChannel 0: the cost\n\nChannel 1: Yeah.\n\nChannel 0: for\n\nChannel 1: I believe\n\nChannel 0: that.\n\nChannel 1: so. Yeah.\n\nChannel 0: Yep. From super.\n\nChannel 1: Yeah.\n\nChannel 0: Now while\n\nChannel 1: Obviously,\n\nChannel 0: we\n\nChannel 1: my sleep is going up at the moment too because now\n\nChannel 0: are\n\nChannel 1: I've got\n\nChannel 0: through\n\nChannel 1: money going into every week.\n\nChannel 0: Exactly. Yes.\n\nChannel 1: K.\n\nChannel 0: Now with that as well, because, obviously, it's from your income. So in order for me to be able to kind of do a bit of a, I guess, a review of your super as well while we're kind of doing everything, with\n\nChannel 1: Yep.\n\nChannel 0: the contributions, so, obviously, the job when you are now an employee, you will get paid the minimum at least 12% contributions into superannuation.\n\nChannel 1: Mhmm.\n\nChannel 0: So for me to kind of calculate that for you, again, it is tricky because you don't really know your income. If it's about 50,000 combined, how much do you think of that would come from your from your from your job? Would you say, like, 30,000? Would you say a bit more around the 40\n\nChannel 1: From\n\nChannel 0: thousand\n\nChannel 1: I got a cleaning.\n\nChannel 0: from from when you are employee?\n\nChannel 1: Oh, from from the employee. I I would\n\nChannel 0: Yeah.\n\nChannel 1: say, like, yeah, probably probably no. Give me one second. I'll\n\nChannel 0: Yeah.\n\nChannel 1: just\n\nChannel 0: Sure.\n\nChannel 1: chat you on loudspeaker because\n\nChannel 0: Yeah.\n\nChannel 1: I'll be able to go into my invoice simple app, and that tells me how much I've got\n\nChannel 0: Oh, perfect.\n\nChannel 1: in invoicing. So so far for 2026, I've invoiced out $8.\n\nChannel 0: Mhmm. Okay. Perfect. From in contributions.\n\nChannel 1: So that would be my total no. So $8 would be my total Where are we? $20.26. Give me a breakdown, please. Estimate.\n\nInvoices, expenses, payments. Where are you at? Reports. Yeah. So yeah.\n\nSo in that that's crazy.\n\nChannel 0: Mhmm.\n\nChannel 1: So yeah. That's insane. 10 invoices, five clients, 10 invoices at $6. Because most of them would be through Rob. That was when I was getting paid x amount of dollars per hour.\n\nSo 20\n\nChannel 0: Mhmm.\n\nChannel 1: five. So my total invoice is sent out for all of 2025. It doesn't make sense. It says 67,000.\n\nChannel 0: That's\n\nChannel 1: It\n\nChannel 0: good.\n\nChannel 1: is good. And then 2024, it says $63. 20\n\nChannel 0: Okay.\n\nChannel 1: 23, it says $54. Okay. So maybe we're a little bit off there.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Okay. Yeah. Because if last\n\nChannel 1: holy crap. I didn't realize it was that much.\n\nChannel 0: yeah.\n\nChannel 1: That's\n\nChannel 0: So\n\nChannel 1: insane.\n\nChannel 0: if it so if if you said last year, it was 67, the year before\n\nChannel 1: So yeah. So\n\nChannel 0: 60\n\nChannel 1: my whole\n\nChannel 0: three,\n\nChannel 1: my whole so that's a 147 invoices at yeah. So it's 67,371. Obviously, that's GST on top.\n\nChannel 0: Mhmm.\n\nChannel 1: So you would have to take what? You would have to take 11% from that.\n\nChannel 0: Mhmm.\n\nChannel 1: So I'll just do that quickly. So 67\n\nChannel 0: Yep.\n\nChannel 1: $37.01. Just try. Give me one second. I gotta\n\nChannel 0: No.\n\nChannel 1: work\n\nChannel 0: That's\n\nChannel 1: this out.\n\nChannel 0: okay.\n\nChannel 1: Because otherwise\n\nChannel 0: Take your\n\nChannel 1: otherwise, it sounds like a money bag that I'm not.\n\nChannel 0: time.\n\nChannel 1: 60\n\nChannel 0: No.\n\nChannel 1: 7\n\nChannel 0: That's okay.\n\nChannel 1: thousand $67,371.03 71 divided by 11 Is 6 point so 6,000. So take 6,000 off that. So about 61\n\nChannel 0: Mhmm.\n\nChannel 1: is before tax, I guess, without\n\nChannel 0: Yep.\n\nChannel 1: yeah.\n\nChannel 0: Okay. Perfect. And that's just from at that business, that's not when you are\n\nChannel 1: That\n\nChannel 0: doing your\n\nChannel 1: well, that's yeah, so that was just purely invoices, meaning all of my invoices went to Rob and The Gutter Cleaning.\n\nChannel 0: mhmm. Okay.\n\nChannel 1: So the breakdown actually, I'll be able to tell you that too because if I\n\nChannel 0: Yes.\n\nChannel 1: tell you because I'll be able to go into my invoice simple and just go with just click data on Wi Fi,\n\nChannel 0: Mhmm.\n\nChannel 1: which is who I was working for. So clients where is that? Where is that? Where is it? Yeah.\n\nSo this is only giving me a total figure. 200\n\nChannel 0: Mhmm.\n\nChannel 1: and 10 201 invoices, 167,000. So it's only telling me the whole lot.\n\nChannel 0: Mhmm.\n\nChannel 1: So if I go to reports here we go. So I can tell you what I got paid from Rob last year.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Where is it? Give me one second. This is so my head in a little bit.\n\nChannel 0: That's okay. It's good we get the, you know, correct information for especially with insurances.\n\nChannel 1: Yeah. Yeah. So it was $47 for from him in 2024,\n\nChannel 0: Yep.\n\nChannel 1: and I had a total of 63,000. So that tells you that I made about $16\n\nChannel 0: Mhmm.\n\nChannel 1: for my own business.\n\nChannel 0: Yep.\n\nChannel 1: And then in 2025,\n\nChannel 0: Mhmm.\n\nChannel 1: they I don't think it's got the antenna bloke there anymore. It shouldn't. No. It's only got clicked out on Wi Fi, which is the same company. We've got $5,050,000, and\n\nChannel 0: Yep.\n\nChannel 1: my total income was 67.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: So pretty pretty similar.\n\nChannel 1: our audit, like, not 67, but it's like yeah. So $50 from him. Well,\n\nChannel 0: Yep.\n\nChannel 1: just remember, we gotta take we gotta take the GST off of that too.\n\nChannel 0: Yep. Yep.\n\nChannel 1: So so $50, what so it'd be 11% would be\n\nChannel 0: Yep. I can do all of that. Yeah. Take 11% off that.\n\nChannel 1: roughly are you doing that for me?\n\nChannel 0: I'll write it down, and then I can do all of the back end so you don't have to\n\nChannel 1: Yeah.\n\nChannel 0: worry\n\nChannel 1: Yeah.\n\nChannel 0: about\n\nChannel 1: Yeah.\n\nChannel 0: it.\n\nChannel 1: So this\n\nChannel 0: Yeah.\n\nChannel 1: is yeah. I'm gonna take GST off. I I earned\n\nChannel 0: Yep.\n\nChannel 1: $67 last year, and then it was\n\nChannel 0: Yep. Yep.\n\nChannel 1: $50.50 grand from actually Rob. So, yeah, $1,717,000. So around, yeah, around 15 to $16 a year is what I'm making for myself.\n\nChannel 0: Yep. Yep. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: And that includes the GST as well?\n\nChannel 1: That's with GST. Yes.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. So from\n\nChannel 1: So\n\nChannel 0: the business.\n\nChannel 1: you gotta yeah. That's all all included. So that has\n\nChannel 0: Yep.\n\nChannel 1: to be obviously\n\nChannel 0: Yep.\n\nChannel 1: deducted\n\nChannel 0: Yep.\n\nChannel 1: out of it because then, yeah, you're just adding\n\nChannel 0: Yes.\n\nChannel 1: you're adding,\n\nChannel 0: Yeah.\n\nChannel 1: what, 10% on top of everything that you're making.\n\nChannel 0: Yeah. Yeah. Exactly.\n\nChannel 1: Yep.\n\nChannel 0: Okay. Well, that gives me a bit more, I guess, clarity on the figures. So I will kind of count that, and I'll obviously, you said your income for this year would be little bit reduced, obviously, because you are now employed.\n\nChannel 1: Yeah. And\n\nChannel 0: So\n\nChannel 1: I'm taking, yeah, $6 an hour pay cut. So\n\nChannel 0: yeah.\n\nChannel 1: it'd be minimum it's gonna be minimum of a $150 or a 100 and it'll be a $120 a week less as, like, as a maximum.\n\nChannel 0: Yeah.\n\nChannel 1: So but that's if it depends on the hours I work too because\n\nChannel 0: Yeah.\n\nChannel 1: the less hours I work, the more, like, the the the less I'm earning, obviously. But yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Even I'm basing that off of if I do a twenty hour week, I'm gonna lose a $120 a week from what I was getting paid before,\n\nChannel 0: Mhmm.\n\nChannel 1: which is yeah. I mean, it's not huge because someone else is paying for my fuel now, and I was spending\n\nChannel 0: Yeah.\n\nChannel 1: a 150 to $200 a week on fuel. So I sort\n\nChannel 0: Yeah.\n\nChannel 1: of make money up there.\n\nChannel 0: Yeah.\n\nChannel 1: So it works\n\nChannel 0: Exactly.\n\nChannel 1: out. Yeah.\n\nChannel 0: Yeah. Okay. Well, I will work with these numbers and do that. And, obviously, he will pay the regular contributions into super for you as well now when you're employed, which is good,\n\nChannel 1: Yeah.\n\nChannel 0: which will obviously change that. So it is good. I'll review your super a little bit as well, obviously, with that because there's been some changes\n\nChannel 1: Yep.\n\nChannel 0: with that. But aside from that, you are not making any contributions yourself from your business.\n\nChannel 1: No. I've\n\nChannel 0: It's\n\nChannel 1: only\n\nChannel 0: just\n\nChannel 1: made, like\n\nChannel 0: no.\n\nChannel 1: I think I made one or two if that. One one thing that's sort of settled a bit because it this is all new. Like, I I didn't think I was gonna work for someone as an employee again. Like, I am kinda like working for myself.\n\nChannel 0: Okay. Yeah.\n\nChannel 1: But when everything sort of settles a bit and I've got, like, a regular know what's happening with my money\n\nChannel 0: Yep.\n\nChannel 1: sort of thing, I've I've been planning on doing a salary sacrifice, which is what I I did. I did that for quite a few years with my old\n\nChannel 0: Oh,\n\nChannel 1: job\n\nChannel 0: yeah.\n\nChannel 1: and\n\nChannel 0: Yep.\n\nChannel 1: yeah. And it worked out well.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: And we can we can definitely have a look at that for you. When when you get to that point, just let us know, and we can always,\n\nChannel 1: yeah.\n\nChannel 0: you know, run the numbers and and do that calculation and everything for you just to see that's all kind of aligning.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Hold hold\n\nChannel 0: with a\n\nChannel 1: on\n\nChannel 0: little\n\nChannel 1: one second. I'm talking to the CFOANUATION people. Fine. Yeah.\n\nChannel 0: yeah.\n\nChannel 1: Sorry.\n\nChannel 0: Yep. No.\n\nChannel 1: Keep\n\nChannel 0: That's\n\nChannel 1: going.\n\nChannel 0: alright. Yep. So I'll have a little review of that for you. Now just quickly back to insurances. I do wanna just triple check as well.\n\nLast time, you said that you didn't wanna look at trauma insurance because you have to pay for that out of pocket to cover you for traumatic events. Is that still the case? It's not really something you're interested in looking at right now?\n\nChannel 1: So what's the sort of entail? Like, what are you\n\nChannel 0: Yeah. So\n\nChannel 1: just\n\nChannel 0: trauma,\n\nChannel 1: run me through\n\nChannel 0: it's\n\nChannel 1: it again.\n\nChannel 0: yeah. So it is a bit different through income protection and PPD because you don't have to prove that you are unable to go back to work. So how it's different is, like, for for example, let's say you have a heart attack and you end up in hospital, you will then be paid out a a tax free lump sum directly to your back pocket through assist. So that if if you wanna take some time off work or if you need a loved one to come and assist, or if you have any medical bills and stuff like that that's not covered, that's when this insurance policy come in pretty handy because you don't have to meet those conditions of proving that you can't work. As long as you get that diagnosis and it's on the the forms, then you are able to get the policy paid out.\n\nChannel 1: Yep.\n\nChannel 0: So it is one\n\nChannel 1: Okay.\n\nChannel 0: that you probably probably receive gets claimed on the most because you don't have to meet those definitions, but it is different. It's not income replacement or anything like that. It is just\n\nChannel 1: Yeah.\n\nChannel 0: to cover you for traumatic effect. But it\n\nChannel 1: Yeah.\n\nChannel 0: is a policy you have to pay for out of pocket because you can't have an inside super.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: Yeah. Happy to leave it for now or\n\nChannel 1: Yeah. We'll leave that\n\nChannel 0: Yep.\n\nChannel 1: for now.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Perfect. Now, otherwise, I do wanna just quickly run through a bit of an updated fact find to see if there's anything else that's changed so I can prepare this all for you. Now\n\nChannel 1: No worries.\n\nChannel 0: I do have here next of Ken Aaron. Is that still the case? Yep.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Perfect. And I do have here that you have two financial dependents, and then your partner has three as well.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. I've updated all your employment details. Asset wise, I have here your property loss was valued at about 600,000.\n\nChannel 1: Yes. Somewhere around there. Yep.\n\nChannel 0: Yes. Perfect. And it was about 240,000 owing, roughly?\n\nChannel 1: Alright. 240,000 owing, did you say?\n\nChannel 0: Yes. Is that still the case, do you think?\n\nChannel 1: No. Because we we've refinanced the loan, so it'd\n\nChannel 0: I\n\nChannel 1: be,\n\nChannel 0: am.\n\nChannel 1: like, 200 about 280.\n\nChannel 0: Okay. Perfect. So that's\n\nChannel 1: Yep.\n\nChannel 0: $2.80.\n\nChannel 1: Still\n\nChannel 0: I do\n\nChannel 1: bugger\n\nChannel 0: ask\n\nChannel 1: all in the in the\n\nChannel 0: yeah.\n\nChannel 1: in the sense of most people's mortgages.\n\nChannel 0: Oh, yeah.\n\nChannel 1: So yeah.\n\nChannel 0: Definitely. You're doing good. I also have here that you have a motor vehicle ride at about 3,000.\n\nChannel 1: Yeah. Maybe.\n\nChannel 0: Yep.\n\nChannel 1: Is that\n\nChannel 0: But you don't have anything owing on that one?\n\nChannel 1: no. No. I never\n\nChannel 0: Not\n\nChannel 1: have.\n\nChannel 0: No.\n\nChannel 1: I bought\n\nChannel 0: Not\n\nChannel 1: it outright.\n\nChannel 0: perfect. Yeah. Great. I do also have here savings in the bank was about 45,000. Yeah.\n\nDoes that still roughly sound about the same?\n\nChannel 1: Yeah. Nah. About 52 now.\n\nChannel 0: Oh, perfect. About 52.\n\nChannel 1: Does it need to be across both of our accounts or just mine?\n\nChannel 0: Typically, you I do have another one here\n\nChannel 1: Yeah.\n\nChannel 0: that you also had a separate saving account with your partner for about 20,000.\n\nChannel 1: Yeah. So yeah. That's, yeah, still\n\nChannel 0: That's\n\nChannel 1: still\n\nChannel 0: sales.\n\nChannel 1: I'm not sure how much she's got now, but, yeah, I've still got the\n\nChannel 0: You've got the 52.\n\nChannel 1: 52\n\nChannel 0: Yeah.\n\nChannel 1: sitting in\n\nChannel 0: K.\n\nChannel 1: as which is it's all our\n\nChannel 0: K.\n\nChannel 1: money.\n\nChannel 0: Yeah.\n\nChannel 1: So it's\n\nChannel 0: Yeah.\n\nChannel 1: not yeah. We're not possessive of it.\n\nChannel 0: Yeah. Yeah. Any other assets, any other motor vehicles, or anything else? Else?\n\nChannel 1: No. I've sold all\n\nChannel 0: Nope.\n\nChannel 1: of my other cars and bikes and\n\nChannel 0: Yep.\n\nChannel 1: everything. So\n\nChannel 0: Yep. Perfect. Any other liabilities, like personal loans or credit card or SIP pay?\n\nChannel 1: no. We do\n\nChannel 0: No?\n\nChannel 1: have payments that will be starting soon.\n\nChannel 0: Yep. And how much\n\nChannel 1: So my they're about $30, I think.\n\nChannel 0: Okay. Perfect. Anything else?\n\nChannel 1: No. I don't think so. I\n\nChannel 0: No?\n\nChannel 1: only\n\nChannel 0: Okay.\n\nChannel 1: like I only like Afterpay, which is usually a couple $100 at a time. But yeah.\n\nChannel 0: Yeah. Okay. Perfect. No. That's good.\n\nAnd you've never been declared bankrupt or been under a part nine debt agreement?\n\nChannel 1: No.\n\nChannel 0: No. Great. Perfect. And are you still a nonsmoker?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Great. And having a bit of a look at estate planning, do you have a will in place at all or a power of attorney? No. Let me see here.\n\nAnd you don't have anyone else who makes, you know, financial decisions on your behalf?\n\nChannel 1: No. No. I think so. No.\n\nChannel 0: No. Perfect. And are you politically involved at all or earn any any income overseas?\n\nChannel 1: Nope.\n\nChannel 0: Nope. Alright. Perfect. That's good. Let's see here.\n\nNow, obviously, aside from reviewing your insurances and stuff like that, is there any other goals that you are working towards in the next, you know, couple of years or so aside from, I think, last time you mentioned your focus is just to kind of grow the business and just kind of focus on paying down the mortgage. Is there anything else that you were kind\n\nChannel 1: Yeah.\n\nChannel 0: of, you know, working\n\nChannel 1: So\n\nChannel 0: towards?\n\nChannel 1: we're just yeah. We're just we're renovating the house slowly as well. So that's\n\nChannel 0: Yeah?\n\nChannel 1: just mainly all we're trying to do at the moment, which is why we've done we've done, like, a outdoor area and stuff like that\n\nChannel 0: Oh, nice.\n\nChannel 1: on finance so that we could not break the bank.\n\nChannel 0: Mhmm.\n\nChannel 1: And\n\nChannel 0: Yes.\n\nChannel 1: then, yeah, we're going to once we've got an outdoor area where we can actually sit and eat and stuff, we wanna renovate our kitchen and stuff like that. So that's\n\nChannel 0: Yeah.\n\nChannel 1: the only real goals at this stage.\n\nChannel 0: Yep. Perfect. And I do wanna just confirm as well. So with your super nominations, I have Audrey\n\nChannel 1: So\n\nChannel 0: and Ollie about 50\n\nChannel 1: yep.\n\nChannel 0: percent. That's still correct?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Great. Perfect. Now with your super as well, so I'll have a little bit of review of your superannuation. Now I'm looking at your account at the moment.\n\nAnd is that something you keep an eye on every now and then?\n\nChannel 1: Only recently I've looked at\n\nChannel 0: Mhmm.\n\nChannel 1: it. Yeah.\n\nChannel 0: Yeah. Now at the moment, you do have about $96,475 in your hub 24.\n\nChannel 1: Mhmm.\n\nChannel 0: And I do wanna check as well, do you still have Prime Super as well? I think last time we spoke, there was about 10,000 or so in Prime Super. Super.\n\nChannel 1: Well, I've got I've got no idea.\n\nChannel 0: No.\n\nChannel 1: It shouldn't be that they I know that there was $10 sitting in there, and it had to stay in there for a certain amount of time to keep insurances intact until you guys could give me the insurances, I believe. So yeah.\n\nChannel 0: Okay. So what I might do as well, just so I can do some research and see if there's still money in there, and then hopefully get that consolidated for you,\n\nChannel 1: Yep.\n\nChannel 0: Is\n\nChannel 1: That'd\n\nChannel 0: that\n\nChannel 1: be\n\nChannel 0: I will\n\nChannel 1: awesome. Yeah. That's exactly what I wanna do. Yeah.\n\nChannel 0: yeah. Yeah.\n\nChannel 1: It\n\nChannel 0: Now\n\nChannel 1: keeps telling me that I've got two super accounts, and I'm like, no. I should only have one. What is going on?\n\nChannel 0: yeah. Sorry. I'll do that for you. Now the process for me to do that research is a little bit tedious because Prime Trooper needs a wet science, a paper science, third party authority for me to do that research. So what I'm going to do is I'm going to express post that to you.\n\nI\n\nChannel 1: Yep.\n\nChannel 0: will include a return envelope as well. If you\n\nChannel 1: Yep.\n\nChannel 0: could just sign that as soon as you get it, return it through me. As soon as\n\nChannel 1: Yep.\n\nChannel 0: I have that back, I'll send that off to Prime Super, and that will allow me to do that research for you and then get everything, you know, hopefully consolidated and sorted.\n\nChannel 1: Yep. Yeah. Awesome. Awesome.\n\nChannel 0: Yep.\n\nChannel 1: That'd\n\nChannel 0: Perfect.\n\nChannel 1: be great.\n\nChannel 0: Yeah. So keep a lookout for that in the post. I will get the team to send that out to you either today or tomorrow. And then, obviously, just depending on Australia post, how long that takes.\n\nChannel 1: Yeah. Yeah. Yeah. No worries.\n\nChannel 0: Now part of, obviously, reviewing your super as well is I do wanna have a bit of a review of your investment. Some of the investments have done really well, but there's been one that's kind of underperformed a little bit that I would like to look at potentially changing through something better. So one of your investment, which is the Benelung Australian Equity Fund, when you came on board, it was doing really, really well. It was that one that's kind of your active management component. But lately,\n\nChannel 1: Yes.\n\nChannel 0: it's of underperformed a little bit. And one of the biggest reason is that one of the investments that they have in their funds is Corporate Travel Group, and they were suspended for trading because that reporting didn't really add up. So they were suspended from trading, which meant that their their stock price and everything kind of went down. So\n\nChannel 1: Yep. Yep.\n\nChannel 0: it is something I do wanna review for you because we wanna make sure that at all times, we have you in the best options possible. And, obviously, the markets and things are always always changing. So it is important to keep reviewing it and, you know, swapping and changing investments if we need to to make sure they continue to do really well.\n\nChannel 1: Yep.\n\nChannel 0: So I'll do that research for you as well just to make sure if we can, you know, improve that a little bit for you and and have a have a look. And I'm not sure if you've had a look at our recent newsletter at all. Is that something you kind of read every now and then?\n\nChannel 1: No.\n\nChannel 0: Or\n\nChannel 1: I haven't.\n\nChannel 0: Not really.\n\nChannel 1: No. Every every every now and then, I do the I'll look at your\n\nChannel 0: Yeah.\n\nChannel 1: trade summaries that get sent through and I'm like, oh, you lost me money here. You lost me money there. You're like, oh my god. I lost money here. I lost money there.\n\nI'm like, sometimes I open them and I'm like, well,\n\nChannel 0: Yeah.\n\nChannel 1: that was depressing. Goodbye.\n\nChannel 0: Yeah.\n\nChannel 1: But yeah. No. All\n\nChannel 0: So\n\nChannel 1: good.\n\nChannel 0: yeah. So with the with Anita, I was going to say as well. So I'll I'll research options for you to kinda change the investment. But I do wanted to check with you as well because we have recently merged with BlackRock, which is one of the biggest investment managers. You may have heard of them.\n\nChannel 1: I haven't.\n\nChannel 0: They\n\nChannel 1: Hold on.\n\nChannel 0: no. No.\n\nChannel 1: Yeah.\n\nChannel 0: That's okay. They are quite big, and we've kind of joined forces with their investment committee and created something that's called an SMA. It stands for a self managed account. Still within your\n\nChannel 1: Okay.\n\nChannel 0: super and investment, but it works a little bit differently. The the way that we currently have you structured, which is like a model portfolio, is that when\n\nChannel 1: Mhmm.\n\nChannel 0: you look into hub twenty four, you will see each and every single one of your investments. And if we want to change one, so for example, now when we wanna potentially look at changing the Benelon, I would have to and do the research for you, put everything in a document, most of my compliance point, and to make sure you are happy, present it to you, and then you have to let me know if you're okay with it. The way\n\nChannel 1: Yep.\n\nChannel 0: that the SMA works is they kind of takes away that that side of it in that you are invested in a portfolio. So it would just be\n\nChannel 1: Yep.\n\nChannel 0: like a name of a portfolio. Still have kind of, like, the same investment philosophy underlying, but you just are invested in the portfolio. So what that allows us to do quickly is that if we see that one of the investments are maybe not doing so well, we can change it straight away without having to put it in through, you know, the compliance document or let you\n\nChannel 1: Yeah.\n\nChannel 0: know when\n\nChannel 1: Yep.\n\nChannel 0: it's changing.\n\nChannel 1: So\n\nChannel 0: So\n\nChannel 1: I\n\nChannel 0: it\n\nChannel 1: just\n\nChannel 0: speeds\n\nChannel 1: moved\n\nChannel 0: up\n\nChannel 1: on quicker. Yeah.\n\nChannel 0: it does. As long as is that something that you are comfortable with? You wouldn't have, like, see every single one of the investments as much. You can still go in and have a look at them. It will still be there.\n\nIt would just mean that we can do that quicker for you in the back end. If that is something you are comfortable with,\n\nChannel 1: Yeah.\n\nChannel 0: then I can research\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: Yeah.\n\nChannel 0: for\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: I mean,\n\nChannel 0: as well.\n\nChannel 1: I think I think\n\nChannel 0: Yeah.\n\nChannel 1: so. I mean, I'm\n\nChannel 0: Yep.\n\nChannel 1: I'm trusting you guys with my money.\n\nChannel 0: Yeah.\n\nChannel 1: So it's like, if you lose\n\nChannel 0: Whatever's\n\nChannel 1: all my\n\nChannel 0: gonna\n\nChannel 1: money,\n\nChannel 0: be,\n\nChannel 1: I'm\n\nChannel 0: babe.\n\nChannel 1: gonna come looking for people.\n\nChannel 0: Exactly. You know where we are.\n\nChannel 1: Yeah. I've got a rough idea. I've got names and photos,\n\nChannel 0: Yeah.\n\nChannel 1: so that's all\n\nChannel 0: Oh,\n\nChannel 1: I need.\n\nChannel 0: yeah. And the address.\n\nChannel 1: Yeah. That's it.\n\nChannel 0: Yeah.\n\nChannel 1: But yeah.\n\nChannel 0: Okay.\n\nChannel 1: No. I'm I'm yeah. Like, I don't this is\n\nChannel 0: Yeah.\n\nChannel 1: the first time I've ever even invested in anything or even let anyone invest with things, so I don't. I usually hang up on callers and stuff.\n\nChannel 0: Yep.\n\nChannel 1: It was it was just by chance that when Hub twenty four first called me that I was just\n\nChannel 0: Yep.\n\nChannel 1: like, you know what? I've I've got super there. It's doing nothing. I'm not putting\n\nChannel 0: Yep.\n\nChannel 1: any money in there if I can make a bit of money. And and it did it it definitely\n\nChannel 0: Yep. Yep.\n\nChannel 1: made me some money in\n\nChannel 0: Yeah.\n\nChannel 1: the first twelve months or\n\nChannel 0: Yep.\n\nChannel 1: so.\n\nChannel 0: Yeah. Yeah. Yeah. Yeah.\n\nChannel 1: Not so much. It hasn't meant so much the last year, but\n\nChannel 0: Yeah.\n\nChannel 1: still a little bit. But it's been good to see it grow, and I I know that now the money's going in there that it's going only going to keep going up anyway,\n\nChannel 0: Correct.\n\nChannel 1: so that's fine.\n\nChannel 0: Exactly. Yeah. I'll have a I'll have a look at different options for you. And then whatever is obviously going to be\n\nChannel 1: Yeah.\n\nChannel 0: best for you with performance and fees and stuff like that, I will then,\n\nChannel 1: Mhmm.\n\nChannel 0: you know, let you know, and then you can let me know what you are comfortable with.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Yep. Perfect. Now we do have a lot of different portfolios. So I do wanna quickly run through a bit of a risk profile questionnaire with you. It's just a couple of multiple choice, very similar to last time, just to see if anything has changed for you\n\nChannel 1: No worries.\n\nChannel 0: in terms of your risk tolerance. Now if it doesn't make sense, let me know because some can be a little bit tricky.\n\nChannel 1: No worries.\n\nChannel 0: Yep. Perfect. Now have you ever bought direct shares yourself?\n\nChannel 1: What what?\n\nChannel 0: Have direct shares? Like, have you bought any\n\nChannel 1: No.\n\nChannel 0: stocks on the stock market?\n\nChannel 1: No.\n\nChannel 0: No. Perfect. Let me see here. And at the moment, do you have any idea when you think you might wanna retire or\n\nChannel 1: No\n\nChannel 0: stop\n\nChannel 1: idea.\n\nChannel 0: working? No. That's okay. More than definitely more than ten years, you'd say, until you\n\nChannel 1: Oh,\n\nChannel 0: stop\n\nChannel 1: 100\n\nChannel 0: working.\n\nChannel 1: percent. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: More than 20, I would say.\n\nChannel 0: Yeah. Perfect. Now the next question is kind of in regards to how much risk you are willing to take with your superannuation. So would you say that you are willing to accept very high risk, high risk, moderate risk, or a small amount of risk in your superannuation to try to make sure that it's still\n\nChannel 1: I\n\nChannel 0: gross.\n\nChannel 1: don't wanna go high risk because I don't wanna lose\n\nChannel 0: No.\n\nChannel 1: my money.\n\nChannel 0: Yes. So somewhere kind of in the middle.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah?\n\nChannel 1: I guess, moderate risk, I guess. Yes.\n\nChannel 0: Moderate? Yep. Nope. That's fine. And if you saw, let's say, your superannuation drop in value by 20% due to kind of general trends in the in the market.\n\nDo you think you'd wanna take the opportunity, invest a bit more while the prices are down? Would you kind of just wanna wait and hold and see what happens? Or do you think you'd wanna sell out of that investment and move to something, you know, less fluctuating or less risky?\n\nChannel 1: Probably last week. Excuse\n\nChannel 0: Less risky? Yep. Perfect. Let me see here. Now next is kind of in regards to if you did you know, when you saw your superannuation fluctuate a little bit, would you say that you felt optimistic about potential opportunities or a bit more cautious, not wanting to make further investments, or\n\nChannel 1: Can you just repeat the first five of the questions?\n\nChannel 0: superannuation and next time you looked, it was down. So it\n\nChannel 1: Yeah.\n\nChannel 0: it it dropped. If you notice that, how did how did you feel? Would you say that you were, you know, concerned or\n\nChannel 1: I'll be concerned. Yeah.\n\nChannel 0: Concerned. Yeah. Perfect. And the last one here is, would you ever consider taking out a loan to invest in, you know, the stock market?\n\nChannel 1: No.\n\nChannel 0: No. Would you take out a loan to buy an investment property?\n\nChannel 1: Possibly.\n\nChannel 0: Maybe. Okay. Perfect. Now, Caleb, that tells me here that you have come out as a growth investor. And at the moment, we have you in the portfolio of a high growth.\n\nSo\n\nChannel 1: Okay.\n\nChannel 0: with the growth portfolio so, basically, the difference of they're both similar in that you are trying to, you know, maximize growth in your superannuation while you have the time and that\n\nChannel 1: Mhmm.\n\nChannel 0: you are prepared to kind of experience some high levels of fluctuation in order to get that growth.\n\nChannel 1: Yep.\n\nChannel 0: Now when we are talking about an asset allocation, so how your money is invested in a high growth asset. Now this would be things like Australian shares and international shares and kind of property as well, and that's what's going to maximize that growth for you. And then we\n\nChannel 1: Mhmm.\n\nChannel 0: do have about 10% in defensive. So that will be your your cash, your fixed interest, and your goal can fall into that as well. So it's gonna limit fluctuations a little bit. And in our growth portfolio, it's about a 10% difference. So it's 80% in growth and about 20 in defensive.\n\nObviously, from the questions that we just went through, it seems like you're a little bit more less, you know, wanting to take on too much risk by still wanting to grow your super. So do you think you would like to look at, you know, potentially changing down to a growth portfolio, or are you still quite comfortable with that high growth allocation?\n\nChannel 1: Yeah. Maybe we can get down to\n\nChannel 0: Yes.\n\nChannel 1: yeah. Because that is\n\nChannel 0: Progress.\n\nChannel 1: yeah. I'm definitely\n\nChannel 0: Yeah.\n\nChannel 1: more concerned about money\n\nChannel 0: Yeah.\n\nChannel 1: nowadays.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. A 100\n\nChannel 0: Okay.\n\nChannel 1: percent. So\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: taking taking a bit of a hit with the income and whatnot is yeah. It's all been a little bit concerning, and then the things that have been going on with the house have been a bit concerning as well. So just trying to keep everything\n\nChannel 0: Yeah.\n\nChannel 1: pretty close knit at the moment.\n\nChannel 0: Yep. No. Perfect. Now I'll definitely have a look at that for you. And that was essentially most of the stuff that I needed to go through with you today.\n\nSo what I'll do from here is I will go through and do that research for you with the insurances, with your super, with your investment. I will put together all of this for you when I have the information. Now like I said, I will get the team to express post that TPA for you. So as soon as we have that back, I can then finalize\n\nChannel 1: Yep. Yep.\n\nChannel 0: all of this for you. So it might\n\nChannel 1: That'd\n\nChannel 0: take a\n\nChannel 1: be awesome.\n\nChannel 0: little bit to get that back. Hopefully, it will be express posted. We'll get it back soon and prime service very quick, and we can get all of that sorted.\n\nChannel 1: No dramas.\n\nChannel 0: Now with you know, is there any other questions, anything else that you want me to look at or address for you before I do transfer you to Caden to quickly do that pre assessment? Is there anything else you, you know, have\n\nChannel 1: No.\n\nChannel 0: any\n\nChannel 1: No.\n\nChannel 0: questions\n\nChannel 1: All good.\n\nChannel 0: for me? Yep. Okay.\n\nChannel 1: Not\n\nChannel 0: Perfect.\n\nChannel 1: all\n\nChannel 0: So what I'll do is I'll quickly transfer you over to Cade, and he will just run through a bit of a bit of a pre assessment\n\nChannel 1: good.\n\nChannel 0: for you. And then we can get that set in to me, and I'll send it off to the insurers and then kind of see which one is going to be the best for you.\n\nChannel 1: No worries. Thank you.\n\nChannel 0: Perfect. Well, thank you so much for your time this afternoon, Caleb. The next person you will speak to is Kaden, and then I very much look forward to speaking with you in the next couple of weeks and get all of this sorted for you.\n\nChannel 1: No worries. Alright. Thank you.\n\nChannel 0: No. No problem. Thanks, Liv.\n\nChannel 1: Alright. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.018443644046783447},{"text":"Hello?","start":2.32,"end":2.82,"sentiment":"neutral","sentiment_score":0.03272874280810356}],"sentiment":"neutral","sentiment_score":0.025586193427443504,"channel":1,"num_words":2,"start":1.1999999,"end":2.82},{"sentences":[{"text":"Good afternoon.","start":3.28,"end":4.08,"sentiment":"neutral","sentiment_score":0.2483040913939476},{"text":"Is this Caleb?","start":4.08,"end":4.9,"sentiment":"neutral","sentiment_score":0.11570614327987035}],"sentiment":"neutral","sentiment_score":0.16874532252550126,"channel":0,"num_words":5,"start":3.28,"end":4.9},{"sentences":[{"text":"Yes.","start":5.3599997,"end":5.7599998,"sentiment":"neutral","sentiment_score":0.15827307105064392},{"text":"It sure is.","start":5.7599998,"end":6.74,"sentiment":"neutral","sentiment_score":0.21195202569166818}],"sentiment":"neutral","sentiment_score":0.19853228703141212,"channel":1,"num_words":4,"start":5.3599997,"end":6.74},{"sentences":[{"text":"Mhmm.","start":6.8799996,"end":7.2799997,"sentiment":"neutral","sentiment_score":0.11100468039512634},{"text":"This is Veronica from Financial.","start":7.2799997,"end":8.82,"sentiment":"neutral","sentiment_score":0.14758113026618958},{"text":"How are you this afternoon?","start":9.28,"end":10.42,"sentiment":"neutral","sentiment_score":0.22283714711666108}],"sentiment":"neutral","sentiment_score":0.17846327884630722,"channel":0,"num_words":11,"start":6.8799996,"end":10.42},{"sentences":[{"text":"Yeah.","start":10.96,"end":11.28,"sentiment":"neutral","sentiment_score":0.14005395770072937},{"text":"Not too bad, 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your hub 24.","start":2017.725,"end":2024.19,"sentiment":"neutral","sentiment_score":0.045217485955128305}],"sentiment":"neutral","sentiment_score":0.044765337237289975,"channel":0,"num_words":14,"start":2017.165,"end":2024.19},{"sentences":[{"text":"Mhmm.","start":2024.58,"end":2025.08,"sentiment":"neutral","sentiment_score":0.029091091826558113}],"sentiment":"neutral","sentiment_score":0.029091091826558113,"channel":1,"num_words":1,"start":2024.58,"end":2025.08},{"sentences":[{"text":"And I do wanna check as well, do you still have Prime Super as well?","start":2025.21,"end":2029.0499,"sentiment":"neutral","sentiment_score":0.025299762686093647},{"text":"I think last time we spoke, there was about 10,000 or so in Prime 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to keep insurances intact until you guys could give me the insurances, I believe.","start":2035.7,"end":2048.915,"sentiment":"neutral","sentiment_score":-0.1891198118285435},{"text":"So yeah.","start":2048.915,"end":2049.7349,"sentiment":"neutral","sentiment_score":-0.06981159746646881}],"sentiment":"neutral","sentiment_score":-0.18357059255588887,"channel":1,"num_words":43,"start":2035.7,"end":2049.7349},{"sentences":[{"text":"Okay.","start":2050.04,"end":2050.36,"sentiment":"neutral","sentiment_score":-0.019034110009670258},{"text":"So what I might do as well, just so I can do some research and see if there's still money in there, and then hopefully get that consolidated for 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market.","start":2511.815,"end":2521.4033,"sentiment":"negative","sentiment_score":-0.3364675957709551}],"sentiment":"neutral","sentiment_score":-0.27296205031974563,"channel":0,"num_words":29,"start":2508.615,"end":2521.4033},{"sentences":[{"text":"Do you think you'd wanna take the opportunity, invest a bit more while the prices are down?","start":2521.4033,"end":2525.41,"sentiment":"neutral","sentiment_score":-0.1924390280071427},{"text":"Would you kind of just wanna wait and hold and see what happens?","start":2525.6301,"end":2529.25,"sentiment":"neutral","sentiment_score":-0.1875969492472135},{"text":"Or do you think you'd wanna sell out of that investment and move to something, you know, less fluctuating or less risky?","start":2529.87,"end":2537.345,"sentiment":"neutral","sentiment_score":-0.2666075852784244}],"sentiment":"neutral","sentiment_score":-0.2226075133165488,"channel":0,"num_words":52,"start":2521.4033,"end":2537.345},{"sentences":[{"text":"Probably last week.","start":2538.995,"end":2540.0352,"sentiment":"neutral","sentiment_score":-0.14438426991303763},{"text":"Excuse","start":2540.0352,"end":2540.5352,"sentiment":"neutral","sentiment_score":-0.10259705781936646}],"sentiment":"neutral","sentiment_score":-0.13393746688961983,"channel":1,"num_words":4,"start":2538.995,"end":2540.5352},{"sentences":[{"text":"Less risky?","start":2540.6848,"end":2541.405,"sentiment":"neutral","sentiment_score":-0.14498271048069},{"text":"Yep.","start":2541.405,"end":2541.805,"sentiment":"neutral","sentiment_score":0.104364275932312},{"text":"Perfect.","start":2541.805,"end":2542.305,"sentiment":"positive","sentiment_score":0.4057859778404236},{"text":"Let me see here.","start":2543.9648,"end":2545.1848,"sentiment":"neutral","sentiment_score":0.23426007106900215},{"text":"Now next is kind of in regards to if you did you know, when you saw your superannuation fluctuate a little bit, would you say that you felt optimistic about potential opportunities or a bit more cautious, not wanting to make further investments, or","start":2547.0898,"end":2561.415,"sentiment":"neutral","sentiment_score":-0.006226088513027538}],"sentiment":"neutral","sentiment_score":0.01698610043296447,"channel":0,"num_words":52,"start":2540.6848,"end":2561.415},{"sentences":[{"text":"Can you just repeat the first five of the questions?","start":2565.275,"end":2567.855,"sentiment":"neutral","sentiment_score":-0.014629114046692848}],"sentiment":"neutral","sentiment_score":-0.014629114046692848,"channel":1,"num_words":10,"start":2565.275,"end":2567.855},{"sentences":[{"text":"superannuation and next time you looked, it was down.","start":2570.455,"end":2575.36,"sentiment":"neutral","sentiment_score":-0.17053192274438012},{"text":"So 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or","start":2580.16,"end":2583.06,"sentiment":"neutral","sentiment_score":-0.23054369390010834}],"sentiment":"neutral","sentiment_score":-0.16376932645621506,"channel":0,"num_words":23,"start":2576.0,"end":2583.06},{"sentences":[{"text":"I'll be concerned.","start":2583.0,"end":2583.9001,"sentiment":"neutral","sentiment_score":-0.2773261070251465},{"text":"Yeah.","start":2583.96,"end":2584.46,"sentiment":"neutral","sentiment_score":-0.09204269200563432}],"sentiment":"neutral","sentiment_score":-0.23100525327026844,"channel":1,"num_words":4,"start":2583.0,"end":2584.46},{"sentences":[{"text":"Concerned.","start":2584.32,"end":2584.82,"sentiment":"neutral","sentiment_score":-0.08890144526958466},{"text":"Yeah.","start":2584.96,"end":2585.28,"sentiment":"neutral","sentiment_score":0.059322815388441086},{"text":"Perfect.","start":2585.28,"end":2585.78,"sentiment":"neutral","sentiment_score":0.23986242711544037},{"text":"And the last one here is, would you ever consider taking out a loan to 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at the moment, we have you in the portfolio of a high growth.","start":2612.46,"end":2617.2551,"sentiment":"neutral","sentiment_score":0.050635743354048045}],"sentiment":"neutral","sentiment_score":0.09262253250926733,"channel":0,"num_words":32,"start":2605.3398,"end":2617.2551},{"sentences":[{"text":"So","start":2617.7952,"end":2618.2952,"sentiment":"neutral","sentiment_score":0.0597330667078495}],"sentiment":"neutral","sentiment_score":0.0597330667078495,"channel":0,"num_words":1,"start":2617.7952,"end":2618.2952},{"sentences":[{"text":"Okay.","start":2618.3,"end":2618.745,"sentiment":"neutral","sentiment_score":0.07563935220241547}],"sentiment":"neutral","sentiment_score":0.07563935220241547,"channel":1,"num_words":1,"start":2618.3,"end":2618.745},{"sentences":[{"text":"with the growth portfolio so, basically, the difference of they're both similar in that you are trying to, you know, maximize growth in your superannuation while you have the time and 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that back.","start":2761.5837,"end":2763.1401,"sentiment":"neutral","sentiment_score":0.22522065291802087},{"text":"Hopefully, it will be express posted.","start":2763.1401,"end":2765.1401,"sentiment":"neutral","sentiment_score":0.29864013691743213},{"text":"We'll get it back soon and prime service very quick, and we can get all of that sorted.","start":2765.1401,"end":2769.8,"sentiment":"positive","sentiment_score":0.3545886211925083}],"sentiment":"neutral","sentiment_score":0.3175253306825956,"channel":0,"num_words":30,"start":2761.5837,"end":2769.8},{"sentences":[{"text":"No dramas.","start":2770.59,"end":2771.385,"sentiment":"neutral","sentiment_score":0.056077953428030014}],"sentiment":"neutral","sentiment_score":0.056077953428030014,"channel":1,"num_words":2,"start":2770.59,"end":2771.385},{"sentences":[{"text":"Now with you know, is there any other questions, anything else that you want me to look at or address for you before I do transfer you to Caden to quickly do that pre assessment?","start":2771.1401,"end":2781.785,"sentiment":"neutral","sentiment_score":0.105143674995218},{"text":"Is there anything else you, you know, have","start":2781.845,"end":2784.005,"sentiment":"neutral","sentiment_score":0.024373449385166168}],"sentiment":"neutral","sentiment_score":0.09011665627706883,"channel":0,"num_words":43,"start":2771.1401,"end":2784.005},{"sentences":[{"text":"No.","start":2783.785,"end":2784.105,"sentiment":"neutral","sentiment_score":-0.046774379909038544}],"sentiment":"neutral","sentiment_score":-0.046774379909038544,"channel":1,"num_words":1,"start":2783.785,"end":2784.105},{"sentences":[{"text":"any","start":2784.005,"end":2784.2449,"sentiment":"neutral","sentiment_score":-0.04233815521001816}],"sentiment":"neutral","sentiment_score":-0.04233815521001816,"channel":0,"num_words":1,"start":2784.005,"end":2784.2449},{"sentences":[{"text":"No.","start":2784.105,"end":2784.425,"sentiment":"neutral","sentiment_score":-0.038298990577459335}],"sentiment":"neutral","sentiment_score":-0.038298990577459335,"channel":1,"num_words":1,"start":2784.105,"end":2784.425},{"sentences":[{"text":"questions","start":2784.2449,"end":2784.7249,"sentiment":"neutral","sentiment_score":0.24972879886627197}],"sentiment":"neutral","sentiment_score":0.24972879886627197,"channel":0,"num_words":1,"start":2784.2449,"end":2784.7249},{"sentences":[{"text":"All good.","start":2784.425,"end":2785.165,"sentiment":"positive","sentiment_score":0.36434759199619293}],"sentiment":"positive","sentiment_score":0.36434759199619293,"channel":1,"num_words":2,"start":2784.425,"end":2785.165},{"sentences":[{"text":"for me?","start":2784.7249,"end":2785.385,"sentiment":"neutral","sentiment_score":0.28288523852825165},{"text":"Yep.","start":2785.4448,"end":2785.765,"sentiment":"neutral","sentiment_score":0.1713716685771942},{"text":"Okay.","start":2785.765,"end":2786.2449,"sentiment":"neutral","sentiment_score":0.045047059655189514}],"sentiment":"neutral","sentiment_score":0.19554730132222176,"channel":0,"num_words":4,"start":2784.7249,"end":2786.2449},{"sentences":[{"text":"Not","start":2786.1099,"end":2786.27,"sentiment":"neutral","sentiment_score":-0.306620717048645}],"sentiment":"neutral","sentiment_score":-0.306620717048645,"channel":1,"num_words":1,"start":2786.1099,"end":2786.27},{"sentences":[{"text":"Perfect.","start":2786.2449,"end":2786.7449,"sentiment":"neutral","sentiment_score":-0.1636991798877716}],"sentiment":"neutral","sentiment_score":-0.1636991798877716,"channel":0,"num_words":1,"start":2786.2449,"end":2786.7449},{"sentences":[{"text":"all","start":2786.27,"end":2786.77,"sentiment":"neutral","sentiment_score":-0.07626740634441376}],"sentiment":"neutral","sentiment_score":-0.07626740634441376,"channel":1,"num_words":1,"start":2786.27,"end":2786.77},{"sentences":[{"text":"So what I'll do is I'll quickly transfer you over to Cade, and he will just run through a bit of a bit of a pre assessment","start":2787.2048,"end":2792.77,"sentiment":"neutral","sentiment_score":0.1431312194025075}],"sentiment":"neutral","sentiment_score":0.1431312194025075,"channel":0,"num_words":27,"start":2787.2048,"end":2792.77},{"sentences":[{"text":"good.","start":2792.51,"end":2793.01,"sentiment":"neutral","sentiment_score":0.22561228275299072}],"sentiment":"neutral","sentiment_score":0.22561228275299072,"channel":1,"num_words":1,"start":2792.51,"end":2793.01},{"sentences":[{"text":"for you.","start":2792.77,"end":2793.4302,"sentiment":"neutral","sentiment_score":0.2448185235261917},{"text":"And then we can get that set in to me, and I'll send it off to the insurers and then kind of see which one is going to be the best for you.","start":2793.57,"end":2800.87,"sentiment":"neutral","sentiment_score":0.18452102487737482}],"sentiment":"neutral","sentiment_score":0.1879665962287358,"channel":0,"num_words":35,"start":2792.77,"end":2800.87},{"sentences":[{"text":"No worries.","start":2801.485,"end":2802.0452,"sentiment":"positive","sentiment_score":0.3410045802593231},{"text":"Thank you.","start":2802.0452,"end":2802.7852,"sentiment":"positive","sentiment_score":0.6803176701068878}],"sentiment":"positive","sentiment_score":0.5106611251831055,"channel":1,"num_words":4,"start":2801.485,"end":2802.7852},{"sentences":[{"text":"Perfect.","start":2802.77,"end":2803.27,"sentiment":"positive","sentiment_score":0.7371528744697571},{"text":"Well, thank you so much for your time this afternoon, Caleb.","start":2803.4348,"end":2806.635,"sentiment":"positive","sentiment_score":0.7974464351480658},{"text":"The next person you will speak to is Kaden, and then I very much look forward to speaking with you in the next couple of weeks and get all of this sorted for you.","start":2806.635,"end":2814.575,"sentiment":"positive","sentiment_score":0.5834138025255764}],"sentiment":"positive","sentiment_score":0.6379376727601757,"channel":0,"num_words":46,"start":2802.77,"end":2814.575},{"sentences":[{"text":"No worries.","start":2814.52,"end":2815.24,"sentiment":"neutral","sentiment_score":0.32319357991218567},{"text":"Alright.","start":2815.24,"end":2815.6401,"sentiment":"positive","sentiment_score":0.3740864992141723},{"text":"Thank you.","start":2815.6401,"end":2816.3801,"sentiment":"positive","sentiment_score":0.6040707528591156}],"sentiment":"positive","sentiment_score":0.44572303295135496,"channel":1,"num_words":5,"start":2814.52,"end":2816.3801},{"sentences":[{"text":"No.","start":2816.1548,"end":2816.6548,"sentiment":"neutral","sentiment_score":0.22034816443920135},{"text":"No problem.","start":2816.795,"end":2817.355,"sentiment":"positive","sentiment_score":0.37677115201950073},{"text":"Thanks, Liv.","start":2817.355,"end":2818.46,"sentiment":"positive","sentiment_score":0.5696754157543182}],"sentiment":"positive","sentiment_score":0.4226482599973679,"channel":0,"num_words":5,"start":2816.1548,"end":2818.46},{"sentences":[{"text":"Alright.","start":2818.76,"end":2819.0,"sentiment":"positive","sentiment_score":0.35326266288757324},{"text":"Bye.","start":2819.0,"end":2819.5,"sentiment":"neutral","sentiment_score":0.21790847182273865}],"sentiment":"neutral","sentiment_score":0.28558556735515594,"channel":1,"num_words":2,"start":2818.76,"end":2819.5},{"sentences":[{"text":"Bye.","start":2825.2725,"end":2825.7725,"sentiment":"neutral","sentiment_score":-0.11110283434391022}],"sentiment":"neutral","sentiment_score":-0.11110283434391022,"channel":0,"num_words":1,"start":2825.2725,"end":2825.7725}]},"summary":{"result":"success","short":"The Financial representative discusses insurance coverage with Caleb, including their ongoing insurance review and benefits of replacing their income for total permanent disability. They also explain their income protection policy and provide a breakdown of their income and expenses. The agent reviews Caleb's financial situation and suggests changing their investment strategy, and they discuss their risk tolerance and desire to invest more in high growth assets. The agent will research and provide feedback on the customer's investment decision."},"intents":{"segments":[{"text":"I had you booked in for a bit of a catch up. Is now still a good time for you?","start_word":31,"end_word":50,"intents":[{"intent":"Schedule call","confidence_score":0.0020218687}]},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start_word":93,"end_word":118,"intents":[{"intent":"Confirm identity","confidence_score":0.30557656},{"intent":"Confirm identity","confidence_score":0.745954}]},{"text":"I will then send it out to all the insurers out there just to see if OnePath is still the best one or which one is going to be the most competitive for you. And then I'll Yep. kind of put together that research and recommendation for you. Okay.","start_word":335,"end_word":383,"intents":[{"intent":"Recommend onepath","confidence_score":0.014093025}]},{"text":"Now when it comes to the different type of cover, so last time, we were kind of looking at your life and your total permanent disability insurance, and Mhmm. the amount we were looking at was around 390,000. Now Yep.","start_word":383,"end_word":422,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.28375483},{"intent":"Specify insurance type","confidence_score":0.0002507218}]},{"text":"What is it at the moment? I reckon it's about $52.53, somewhere around there. Yeah. Okay. Perfect.","start_word":551,"end_word":567,"intents":[{"intent":"Discuss cost","confidence_score":0.009991189}]},{"text":"And, otherwise, kind of, you're happy to looking at replacing your income for about ten years if something were to happen to you and you were to pass away. Yeah.","start_word":598,"end_word":627,"intents":[{"intent":"Discuss replacements","confidence_score":0.0025918947}]},{"text":"And is there any benefits to having it separate or not?","start_word":673,"end_word":683,"intents":[{"intent":"Clarify benefits","confidence_score":0.007259792}]},{"text":"expensive, then we can always kind of rein it back. Yes? Okay.","start_word":733,"end_word":744,"intents":[{"intent":"Reassure robert of work cover","confidence_score":0.0000044979624}]},{"text":"Is that still aligning with you?","start_word":765,"end_word":770,"intents":[{"intent":"Align with robert","confidence_score":0.044694833}]},{"text":"Now we were also looking at an income protection. So income protection is obviously to cover your loss of income if you are temporarily unable to work. Now Yep.","start_word":785,"end_word":813,"intents":[{"intent":"Discuss income protection","confidence_score":0.16140851}]},{"text":"It's just that you're an employee now, not a subcontractor. Yeah. Yeah. Yeah.","start_word":838,"end_word":850,"intents":[{"intent":"Clarify rob's job role","confidence_score":0.00026289152}]},{"text":"And I'm not working for Robert's. Yeah.","start_word":1037,"end_word":1043,"intents":[{"intent":"Clarify robert's job coverage","confidence_score":0.003993655}]},{"text":"So for your for your friend, Yep. if you earn about $1,000 before tax per week, would that be about that $752,000 a year before tax? Does that sound pretty reasonable?","start_word":1446,"end_word":1476,"intents":[{"intent":"Inquire about income deductions","confidence_score":0.00011868735},{"intent":"Inquire about income coverage","confidence_score":0.027437707},{"intent":"Assist with payroll","confidence_score":4.887671e-7},{"intent":"Inquire about income deductions","confidence_score":0.0001863994},{"intent":"Inquire about income limits","confidence_score":0.00015882369}]},{"text":"it comes through it, you would have kind of documentation to prove that Oh, combined yeah.","start_word":1703,"end_word":1718,"intents":[{"intent":"Provide documentation","confidence_score":0.016281668}]},{"text":"at that time your income is, let's say, 35, then you're only gonna get covered for 70% of 35 even though you're paying for more. Yeah. Okay.","start_word":1962,"end_word":1988,"intents":[{"intent":"Determine coverage requirement","confidence_score":0.0050379867}]},{"text":"Now the other thing is then your benefit period. So how long you can be on claim if something were to happen. Now we can look at two years, five years, all the way up to the age of 65. Obviously, age 65 is the most expensive, but also the most comprehensive. Last Yeah.","start_word":2627,"end_word":2680,"intents":[{"intent":"Calculate benefit period and deductions","confidence_score":0.010291967}]},{"text":"So for me to kind of calculate that for you, again, it is tricky because you don't really know your income. If it's about 50,000 combined, how much do you think of that would come from your from your from your job? Would you say, like, 30,000? Would you say a bit more around the 40 From thousand I got a cleaning. from from when you are employee? Oh, from from the employee.","start_word":2852,"end_word":2924,"intents":[{"intent":"Clarify information","confidence_score":0.0013489573}]},{"text":"Give me a breakdown, please. Estimate.","start_word":3003,"end_word":3008,"intents":[{"intent":"Request breakdown","confidence_score":0.0041416176}]},{"text":"So the breakdown actually, I'll be able to tell you that too because if I Yes. tell you because I'll be able to go into my invoice simple and just go with just click data on Wi Fi, Mhmm.","start_word":3295,"end_word":3333,"intents":[{"intent":"Collect invoice data","confidence_score":0.026049798}]},{"text":"So that tells you that I made about $16 Mhmm. for my own business. Yep. And then in 2025, Mhmm. they I don't think it's got the antenna bloke there anymore. It shouldn't. No. It's only got clicked out on Wi Fi, which is the same company. We've got $5,050,000, and Yep. my total income was 67. Yep.","start_word":3453,"end_word":3510,"intents":[{"intent":"Calculate earnings","confidence_score":0.01836139}]},{"text":"So but that's if it depends on the hours I work too because Yeah.","start_word":3795,"end_word":3808,"intents":[{"intent":"Adjust hours","confidence_score":0.0061401813}]},{"text":"the less hours I work, the more, like, the the the less I'm earning, obviously. But yeah.","start_word":3809,"end_word":3825,"intents":[{"intent":"Discuss income","confidence_score":0.008231068}]},{"text":"I'll review your super a little bit as well, obviously, with that because there's been some changes Yep.","start_word":3944,"end_word":3961,"intents":[{"intent":"Review super","confidence_score":0.9483263},{"intent":"Review super","confidence_score":0.64446086}]},{"text":"sort of thing, I've I've been planning on doing a salary sacrifice, which is what I I did.","start_word":4056,"end_word":4073,"intents":[{"intent":"Review salary sacrifice","confidence_score":0.095029384}]},{"text":"Last time, you said that you didn't wanna look at trauma insurance because you have to pay for that out of pocket to cover you for traumatic events. Is that still the case?","start_word":4200,"end_word":4232,"intents":[{"intent":"Discuss traumatic insurance coverage","confidence_score":0.0061459923},{"intent":"Explain insurance coverage for traumatic effects","confidence_score":0.0017010588},{"intent":"Provide information about insurance coverage for traumatic events","confidence_score":0.00008735892},{"intent":"Discuss insurance coverage","confidence_score":0.0069731413},{"intent":"Discuss insurance coverage for traumatic events","confidence_score":0.1039813}]},{"text":"So it is a bit different through income protection and PPD because you don't have to prove that you are unable to go back to work.","start_word":4265,"end_word":4290,"intents":[{"intent":"Clarify income and pdd coverage","confidence_score":0.00024782796}]},{"text":"So how it's different is, like, for for example, let's say you have a heart attack and you end up in hospital, you will then be paid out a a tax free lump sum directly to your back pocket through assist.","start_word":4291,"end_word":4331,"intents":[{"intent":"Review hospitalization and medical bills","confidence_score":9.898463e-7}]},{"text":"Now, otherwise, I do wanna just quickly run through a bit of an updated fact find to see if there's anything else that's changed so I can prepare this all for you. Now No worries.","start_word":4502,"end_word":4536,"intents":[{"intent":"Prepare and prepare fact find","confidence_score":0.010279918}]},{"text":"I do have here next of Ken Aaron. Is that still the case? Yep.","start_word":4537,"end_word":4550,"intents":[{"intent":"Update information","confidence_score":0.055131838},{"intent":"Clarify current situation","confidence_score":0.0000072818602}]},{"text":"I've updated all your employment details. Asset wise, I have here your property loss was valued at about 600,000. Yes.","start_word":4576,"end_word":4595,"intents":[{"intent":"Update employment details","confidence_score":0.24452284}]},{"text":"And it was about 240,000 owing, roughly? Alright.","start_word":4602,"end_word":4609,"intents":[{"intent":"Confirm current balance","confidence_score":0.00034118432}]},{"text":"I do also have here savings in the bank was about 45,000. Yeah.","start_word":4715,"end_word":4727,"intents":[{"intent":"Discuss savings account","confidence_score":0.00032422814}]},{"text":"Now, obviously, aside from reviewing your insurances and stuff like that, is there any other goals that you are working towards in the next, you know, couple of years or so aside from, I think, last time you mentioned your focus is just to kind of grow the business and just kind of focus on paying down the mortgage. Is there anything else that you were kind Yeah.","start_word":5032,"end_word":5099,"intents":[{"intent":"Discuss financial goals","confidence_score":0.060984775}]},{"text":"So with your super nominations, I have Audrey So and Ollie about 50 yep. percent. That's still correct?","start_word":5210,"end_word":5227,"intents":[{"intent":"Confirm super super nominations","confidence_score":0.00002044912}]},{"text":"Now part of, obviously, reviewing your super as well is I do wanna have a bit of a review of your investment.","start_word":5617,"end_word":5638,"intents":[{"intent":"Review investment","confidence_score":0.3074006}]},{"text":"So I'll I'll research options for you to kinda change the investment.","start_word":5982,"end_word":5993,"intents":[{"intent":"Research options and create portfolio","confidence_score":0.000072967785}]},{"text":"The the way that we currently have you structured, which is like a model portfolio, is that when Mhmm. you look into hub twenty four, you will see each and every single one of your investments.","start_word":6077,"end_word":6112,"intents":[{"intent":"Review portfolio structure and structure","confidence_score":0.00020554585}]},{"text":"So what that allows us to do quickly is that if we see that one of the investments are maybe not doing so well, we can change it straight away without having to put it in through, you know, the compliance document or let you Yeah.","start_word":6234,"end_word":6279,"intents":[{"intent":"Optimize investments","confidence_score":0.016266232}]},{"text":"I'll have a I'll have a look at different options for you. And then whatever is obviously going to be Yeah. best for you with performance and fees and stuff like that, I will then, Mhmm. you know, let you know, and then you can let me know what you are comfortable with. Yeah.","start_word":6612,"end_word":6665,"intents":[{"intent":"Assess financial options","confidence_score":0.01371464}]},{"text":"Do you think you'd wanna take the opportunity, invest a bit more while the prices are down? Would you kind of just wanna wait and hold and see what happens? Or do you think you'd wanna sell out of that investment and move to something, you know, less fluctuating or less risky? Probably last week.","start_word":6942,"end_word":6996,"intents":[{"intent":"Discuss financial decisions","confidence_score":0.0016587985}]},{"text":"If you notice that, how did how did you feel? Would you say that you were, you know, concerned or I'll be concerned. Yeah. Concerned.","start_word":7075,"end_word":7099,"intents":[{"intent":"Express concern","confidence_score":0.010790573},{"intent":"Confirm understanding","confidence_score":0.0029376934}]},{"text":"Now, Caleb, that tells me here that you have come out as a growth investor. And at the moment, we have you in the portfolio of a high growth. So Okay.","start_word":7141,"end_word":7171,"intents":[{"intent":"Discuss portfolio","confidence_score":0.05898606}]},{"text":"Now when we are talking about an asset allocation, so how your money is invested in a high growth asset. Now this would be things like Australian shares and international shares and kind of property as well, and that's what's going to maximize that growth for you. And then we Mhmm.","start_word":7224,"end_word":7274,"intents":[{"intent":"Discuss asset allocation","confidence_score":0.17546093}]},{"text":"So that will be your your cash, your fixed interest, and your goal can fall into that as well.","start_word":7282,"end_word":7300,"intents":[{"intent":"Express financial goals","confidence_score":0.0011036337}]}]},"sentiments":{"segments":[{"text":"Hello? Hello? Good afternoon. Is this Caleb? Yes. It sure is. Mhmm. This is Veronica from Financial. How are you this afternoon? Yeah. Not too bad, mate. Yourself? Yeah.","start_word":0,"end_word":28,"sentiment":"neutral","sentiment_score":0.16590137779712677},{"text":"Good. Thanks. I had you booked in for a bit of a catch up. Is now still a good time for you?","start_word":29,"end_word":50,"sentiment":"positive","sentiment_score":0.4078519642353058},{"text":"Yeah. Yep. Yep. Now Yep.","start_word":51,"end_word":55,"sentiment":"neutral","sentiment_score":0.16701297461986542},{"text":"it's fine. Perfect.","start_word":56,"end_word":58,"sentiment":"positive","sentiment_score":0.4417684078216553},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay? Yep. No worries. Yep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Tell them on the 1988 and 5 Heathcock Court, Blakeview 5114. Yep.","start_word":59,"end_word":130,"sentiment":"neutral","sentiment_score":0.06279229372739792},{"text":"Perfect. That's exactly what I have here.","start_word":131,"end_word":137,"sentiment":"positive","sentiment_score":0.5169711709022522},{"text":"How's your day been so far? I've been busy? It's been not too bad. Yeah. Reasonably Yeah. busy. Oh, Damn.","start_word":138,"end_word":157,"sentiment":"neutral","sentiment_score":0.041379235684871674},{"text":"well, that's good.","start_word":158,"end_word":160,"sentiment":"positive","sentiment_score":0.40933161973953247},{"text":"And now I do have you booked in here for a bit of a a insurance review to see if we could reassess that for you. Yeah. And then, also, your your annual review is kind of up now as well. So if you're happy to do so, I'll kind of go through both of that today, if that's okay. Yeah. That's fine. Yeah.","start_word":161,"end_word":224,"sentiment":"neutral","sentiment_score":0.1810474842786789},{"text":"Perfect.","start_word":225,"end_word":225,"sentiment":"positive","sentiment_score":0.33443766832351685},{"text":"Now we can start with insurances if you want, and I can see here that it's now kind of in that five year mark, so we can Yep. reassess insurances for you. Yep. Yep. Perfect. Now last time when we looked at, obviously, your one pass insurances, so, I'll go back through all the insurance and see which one is going to be the best for you. So after the call, if you're happy to do so, I will transfer you over to my colleague, Kayden, who will just kind of run through a bit of an updated pre assessment just so we have up to date information. I will then send it out to all the insurers out there just to see if OnePath is still the best one or which one is going to be the most competitive for you. And then I'll Yep. kind of put together that research and recommendation for you. Okay. Now when it comes to the different type of cover, so last time, we were kind of looking at your life and your total permanent disability insurance, and Mhmm. the amount we were looking at was around 390,000. Now Yep. if we kind of revisit the amount and stuff like that, are you happy with the same amount? Have anything changed? Would you like to kind of revisit and see what's going to be appropriate for you today? Yeah. No. I think it's yeah. It came about the same. Keep it about the same. Yep. And just to confirm, because that was basically to cover a bit of funeral expenses and then also cover it was loss of income. We calculated about 45,000 at the time after tax for ten years and then kind of offset your super balance from it, and that gave us that $3.90. Yeah. So you're Okay. quite happy My with that? my income's probably more than that now, I would say. Okay. Yeah. What is it at the moment? I reckon it's about $52.53, somewhere around there. Yeah. Okay. Perfect. So about 52 and 53. Okay.","start_word":226,"end_word":573,"sentiment":"neutral","sentiment_score":0.10557007070245414},{"text":"Perfect.","start_word":574,"end_word":574,"sentiment":"positive","sentiment_score":0.35237908363342285},{"text":"And you still kind of wanna factor in about 20,000 for funeral expenses in the calculation as well? Yeah. Sure. Yep. Okay.","start_word":575,"end_word":596,"sentiment":"neutral","sentiment_score":0.13358569145202637},{"text":"Perfect.","start_word":597,"end_word":597,"sentiment":"positive","sentiment_score":0.37406137585639954},{"text":"And, otherwise, kind of, you're happy to looking at replacing your income for about ten years if something were to happen to you and you were to pass away. Yeah. Yep. Okay.","start_word":598,"end_word":629,"sentiment":"neutral","sentiment_score":0.09008127450942992},{"text":"Perfect.","start_word":630,"end_word":630,"sentiment":"positive","sentiment_score":0.37460726499557495},{"text":"And you would like to offset your super balance again from that amount? Because if something were to happen to you, your super would be paid up to your beneficiaries as well, or do you want that as, like, a separate one? And is there any benefits to having it separate or not? It would just mean that there's more money for your for your family. I'm not really sure, to be honest. So No. Well, I can always start by looking to not offsetting it, so give give the family a little bit more. And then if it is quite Yeah. expensive, then we can always kind of rein it back. Yes? Okay.","start_word":631,"end_word":744,"sentiment":"neutral","sentiment_score":0.004014768735750725},{"text":"Perfect.","start_word":745,"end_word":745,"sentiment":"positive","sentiment_score":0.34646791219711304},{"text":"Now with total permanent disability, we were kind of looking at the same amount for the same Yeah. purposes. Is that still aligning with you? You're still happy with that? Yeah. Still happy Yep. with that. Yep.","start_word":746,"end_word":782,"sentiment":"neutral","sentiment_score":0.12132254242897034},{"text":"Great. Perfect.","start_word":783,"end_word":784,"sentiment":"positive","sentiment_score":0.5631065368652344},{"text":"Now we were also looking at an income protection. So income protection is obviously to cover your loss of income if you are temporarily unable to work. Now Yep. I can see here as well that you've had a bit of a change to your occupation. Are you still doing the same thing? It's just that you're an employee now, not a subcontractor. Yeah. Yeah. Yeah. Okay. So I still I still own my own business. I'm still doing Yeah. the gutter cleaning. Yep. And then three days a week, I am working for my mate, Rob. But, yeah, I've just gone from contractor to employee as of last week. Oh, perfect. But, otherwise, doing the same roles and everything like that. Yeah. Same. Well, Yep. pretty much everything stayed the same except for I've taken a $6 an hour pay cut Okay. because, obviously, he now has to pay for my fuel and he has to pay, like, work cover, all that sort of stuff. But I still wanna keep my own like I was thinking about it. I spoke to order Caden about it at the start of the week, and I was like, no. I still wanna do the income protection and stuff because if I hurt myself still in the gutters, he's like, Rob's work cover is not gonna cover me because that would be not working for him. I'd be doing something else. And, also, like, if I was to hurt myself just driving home, Yeah. Yes. And I'm not working for Robert's. Yeah. It's not covered there either. So I just thought I might as Correct. well cover myself on Yeah. two basis. Yep. And it's also, you know, if you do have an illness or injury that prevents you to going back for work. So even if, you know, something happens on the weekend or whenever and you do get, like, an illness or injury and can't go Yeah. back for a while, it's also covered there. Whereas your your work cover wouldn't. That would only be something were to happen when you're at work. Yeah. So Exactly. the income protection, yeah, would give you a bit more. So with the income protection, the way that it works as well is that can cover up to 70% of your income. So Yep. with your income as well, because it's kind of for the true now I will check with the insurance. If you're doing same things and it's quite consistent, some of them are happy to cover both income, but I will just have to check with the insurer. So do you have Yep. the breakdown of, like, how much you would do from your business and then how much Yep. you It would is typically so it earn. is Mhmm. so sporadic. So a rough a rough breakdown would Mhmm. be before tax about a thousand bucks a week for working for my mate, roughly around there. Yep. Use yeah. So that would be so I usually take home about seven about Mhmm. $700 from working for him for three days, Mhmm. and then it's like for my work, it is so sporadic because, Okay. you know, I might do a couple of jobs personal, which could be $400 in a day, or I could do a couple of jobs for someone like a rental property or a aged care facility where it's, like, $200 for the day. You know what I mean? Like, it's a very big jump. So it could be $800 in two days, or it could $400 in two days.","start_word":785,"end_word":1386,"sentiment":"neutral","sentiment_score":-0.018415497139442797},{"text":"It's very, very sporadic.","start_word":1387,"end_word":1390,"sentiment":"negative","sentiment_score":-0.3541839122772217},{"text":"So I don't really have a breakdown with my gutter cleaning work, but, I mean, yeah, it's not much. I don't get Yeah.","start_word":1391,"end_word":1413,"sentiment":"neutral","sentiment_score":-0.2828243672847748},{"text":"much with the gutter cleaning. I really don't.","start_word":1414,"end_word":1421,"sentiment":"negative","sentiment_score":-0.4393310546875},{"text":"Okay. Yeah. Because it is quite if it comes to claim time, that's why sorry. The specific question. Sorry. Just to kind of recapping. So for your for your friend, Yep. if you earn about $1,000 before tax per week, would that be about that $752,000 a year before tax? Does that sound pretty reasonable? It would sound yeah. It sound Yeah. yeah. Roughly around that. Roughly Yeah. done? Okay. Because the way that the income protection work is that they assess your income come claim time. So let's say if Mhmm. I insure you for the 52,000 from your from where you are employed, and then let's say we add a bit extra from your self employed business, Yeah. So, well, I mean, with that, that's the thing. So some, you know, some weeks, obviously, I haven't made that much with Rob, but where there's been weeks Okay. where I've only made, like, $5,500. So that's why because that's both of my incomes come together Okay. is, yeah, is is about $53. But yeah. So Would you say because with the income protection specialist, you are self employed, they will most likely ask for payslips or just documents to prove the income. So Yeah. as long as So we I've have got it. that Yeah. I've got invoice. I've got yep. invoice simple. And then, Okay. obviously, I've got a business account where my where all my money through that business comes Okay. through, and that was Rob was paying me into that as well. So Okay. my other so my employer now, he was paying me into my business account up until last week. Okay. So if if Yeah. it comes through it, you would have kind of documentation to prove that Oh, combined yeah. Yeah. income would be around the 50,000, or would you say 52? Yeah. I'd I'd say at least I don't know. And it's kinda it's really hard to Yeah. sort of break down because I I had the both I had both incomes last year all documented through my business account, and it was Yeah. I think it came in at 52 or $53. So Okay. I now that I've just taken a pay cut. So Yep. this week, I worked a lot more for Rob than what I normally would, and I made, like, a thousand bucks before Okay. tax. But because I've just taken a $6 an hour pay cut, it's probably going to be that'll probably be, like, the max that I would make in a week. So it's probably gonna be more around the I would say 800, maybe 800 a week. Mhmm. Mhmm.","start_word":1422,"end_word":1866,"sentiment":"neutral","sentiment_score":-0.012393171179076928},{"text":"Because as well, yeah, how it works so, obviously, if you do have the the documents to prove it, that's great because the insurance will probably ask that for your income protection.","start_word":1867,"end_word":1898,"sentiment":"positive","sentiment_score":0.343990683555603},{"text":"So, obviously, Mhmm. we wanna make sure that it it match. But then also that, you know, if we were to say let's say calculate at 52,000, for example, Yep. and then something, let's say, would've happened in a year's time and you need to go on claim, they would only pay you 70% of your income at that time. So if Yeah. at that time your income is, let's say, 35, then you're only gonna get covered for 70% of 35 even though you're paying for more. Yeah. Okay. Alright. Does that Yep. make sense? So that is a that's kind of why I do want at least a bit of, a bit kind of certainty. It doesn't have to be exact because then, also, obviously, your income might increase and stuff like that. And, again, Yeah. they kind of go the other way. So if we insure you for, let's say, 50,000 and in two years' time, your income is a 100,000 and you need to go on claim, again, it's only 70% of the 50,000 because that's Yeah. the only Okay. amount Yeah. we've So insured. I get it. Does So Does that if make you're better off sense? yeah.","start_word":1899,"end_word":2101,"sentiment":"neutral","sentiment_score":-0.025504063814878464},{"text":"They're better off claiming for more.","start_word":2102,"end_word":2107,"sentiment":"negative","sentiment_score":-0.34595787525177},{"text":"Yeah. So so do Yeah. you think Okay. rough roughly, if we work with about 50,000, do you think that would be Yeah. I mean, it it'd it'd probably be more than that because, yeah, like okay. I said, my last year my last year's income was, like, 50 Mhmm. $3, and I should I should be making more Okay. At the this the year. year So the year before last? Because sometimes they ask for payslips for, like, three years. yeah. The year The year before before. last would have been Mhmm. 40 something. Okay. So And yeah. and do you remember, like, the year before that? 40 something as well, I think. So, Okay. yeah, so, yeah, they're they're all they're between, I would say, between 47 and 52. Okay. So I earn a lot less money now than what I used to because I used to work full time, but I also Mhmm. had to Yeah. work, like, sixty hours a week. Okay. Yeah. Yeah. And now I'm lucky if I work, like, thirty hours a week, Yeah.","start_word":2108,"end_word":2288,"sentiment":"neutral","sentiment_score":0.003774537383295719},{"text":"so Yeah. much nicer.","start_word":2289,"end_word":2292,"sentiment":"positive","sentiment_score":0.4771760702133178},{"text":"Yeah. No. Definitely. Well, it pretty it sounds pretty much that we we if you are happy to do so, if it does vary between that 47 and 52, if you wanted to do the 50 as kind Yep. of like Sure. a a middle, then we can start there, and we can always change it and reassess it, obviously, depending your health, obviously, how things change for you. Yeah. Yeah. Yeah. No Yep. worries. Okay.","start_word":2293,"end_word":2368,"sentiment":"neutral","sentiment_score":0.07879704236984253},{"text":"Perfect.","start_word":2369,"end_word":2369,"sentiment":"positive","sentiment_score":0.4167276024818421},{"text":"Now with income protection as well, you can have different waiting and benefit period. So the waiting period is how long you have to wait until you can start claiming on the policy. Now Uh-huh. last time, we were looking about a thirty date waiting, which is typically your shortest one, and most policies are then also paid thirty days in arrears. So that means that typically you wait about two months before that that income protection will kick in. Do you think you could last longer financially without the income, or do you think that would be pretty tight? Not without digging Tight? into, like, savings that Okay. are in yeah. Yeah. Yeah. Okay. Exactly. So I pretty So much my live week I live week to week, but then I've got yeah. savings accounts and whatnot. So Yep. Okay. Maybe we'll leave it at that 30 then if you're happy with that and see yeah, how much I'm not happy with it, but it's not. Yeah. Like, it'd be awesome if it was, like, a week.","start_word":2370,"end_word":2547,"sentiment":"neutral","sentiment_score":-0.04888821497894405},{"text":"That'd be great.","start_word":2548,"end_word":2550,"sentiment":"positive","sentiment_score":0.48836374282836914},{"text":"Okay. So Yeah. but Now there are some that pay fifteen days in arrears, so a little bit shorter. So I'll factor Yeah. that in as well and see if we can find whatever is gonna be the shortest for you. I'll factor Well, yeah, she's I don't plan that.","start_word":2551,"end_word":2600,"sentiment":"neutral","sentiment_score":-0.08493223786354065},{"text":"on hurting myself.","start_word":2601,"end_word":2603,"sentiment":"negative","sentiment_score":-0.4272361695766449},{"text":"So Yeah. Yeah. I don't think But anyone does, but no. yeah. Yeah. No. Perfect. I'll have a look at that for you. Now the other thing is then your benefit period. So how long you can be on claim if something were to happen. Now we can look at two years, five years, all the way up to the age of 65. Obviously, age 65 is the most expensive, but also the most comprehensive. Last Yeah. time, we were looking at kind of that middle ground of five years. What are your thoughts now? Probably the same. Probably Yeah. about the same? Okay. Perfect. Around five years. You prefer to have from within your superannuation so you don't have to pay for them out of pocket? Yes. Yes. Yes. So the deductions. Yep. Yes. So the, like, Yeah. the cost Yeah. for I believe that. so. Yeah. Yep. From super. Yeah. Now while Obviously, we my sleep is going up at the moment too because now are I've got through money going into every week. Exactly. Yes. K. Now with that as well, because, obviously, it's from your income. So in order for me to be able to kind of do a bit of a, I guess, a review of your super as well while we're kind of doing everything, with Yep. the contributions, so, obviously, the job when you are now an employee, you will get paid the minimum at least 12% contributions into superannuation. Mhmm. So for me to kind of calculate that for you, again, it is tricky because you don't really know your income. If it's about 50,000 combined, how much do you think of that would come from your from your from your job? Would you say, like, 30,000? Would you say a bit more around the 40 From thousand I got a cleaning. from from when you are employee? Oh, from from the employee. I I would Yeah. say, like, yeah, probably probably no. Give me one second. I'll Yeah. just Sure. chat you on loudspeaker because Yeah. I'll be able to go into my invoice simple app, and that tells me how much I've got Oh, perfect. in invoicing. So so far for 2026, I've invoiced out $8. Mhmm. Okay. Perfect. From in contributions. So that would be my total no. So $8 would be my total Where are we? $20.26. Give me a breakdown, please. Estimate. Invoices, expenses, payments. Where are you at? Reports. Yeah. So yeah. So in that that's crazy. Mhmm. So yeah. That's insane. 10 invoices, five clients, 10 invoices at $6. Because most of them would be through Rob. That was when I was getting paid x amount of dollars per hour. So 20 Mhmm. five. So my total invoice is sent out for all of 2025.","start_word":2604,"end_word":3073,"sentiment":"neutral","sentiment_score":0.020540151546927208},{"text":"It doesn't make sense.","start_word":3074,"end_word":3077,"sentiment":"negative","sentiment_score":-0.34391269087791443},{"text":"It says 67,000. That's It good. is good. And then 2024, it says $63. 20 Okay. 23, it says $54. Okay. So maybe we're a little bit off there. Yeah. So Okay. Yeah.","start_word":3078,"end_word":3110,"sentiment":"neutral","sentiment_score":-0.06951608508825302},{"text":"Because if last holy crap. I didn't realize it was that much.","start_word":3111,"end_word":3122,"sentiment":"negative","sentiment_score":-0.4070935845375061},{"text":"yeah.","start_word":3123,"end_word":3123,"sentiment":"neutral","sentiment_score":-0.25979679822921753},{"text":"That's So insane.","start_word":3124,"end_word":3126,"sentiment":"negative","sentiment_score":-0.4999666213989258},{"text":"if it so if if you said last year, it was 67, the year before So yeah. So 60 my whole three, my whole so that's a 147 invoices at yeah. So it's 67,371. Obviously, that's GST on top. Mhmm. So you would have to take what? You would have to take 11% from that. Mhmm. So I'll just do that quickly. So 67 Yep. $37.01. Just try. Give me one second. I gotta No. work That's this out. okay. Because otherwise Take your otherwise, it sounds like a money bag that I'm not. time. 60 No. 7 That's okay. thousand $67,371.03 71 divided by 11 Is 6 point so 6,000. So take 6,000 off that. So about 61 Mhmm. is before tax, I guess, without Yep. yeah. Okay.","start_word":3127,"end_word":3255,"sentiment":"neutral","sentiment_score":-0.040317896753549576},{"text":"Perfect.","start_word":3256,"end_word":3256,"sentiment":"positive","sentiment_score":0.44055286049842834},{"text":"And that's just from at that business, that's not when you are That doing your well, that's yeah, so that was just purely invoices, meaning all of my invoices went to Rob and The Gutter Cleaning. mhmm. Okay. So the breakdown actually, I'll be able to tell you that too because if I Yes. tell you because I'll be able to go into my invoice simple and just go with just click data on Wi Fi, Mhmm. which is who I was working for. So clients where is that? Where is that? Where is it? Yeah. So this is only giving me a total figure. 200 Mhmm. and 10 201 invoices, 167,000. So it's only telling me the whole lot. Mhmm. So if I go to reports here we go. So I can tell you what I got paid from Rob last year. Yep. Perfect. Where is it? Give me one second. This is so my head in a little bit. That's okay.","start_word":3257,"end_word":3419,"sentiment":"neutral","sentiment_score":0.02418864332139492},{"text":"It's good we get the, you know, correct information for especially with insurances.","start_word":3420,"end_word":3432,"sentiment":"positive","sentiment_score":0.4624069631099701},{"text":"Yeah. Yeah. So it was $47 for from him in 2024, Yep. and I had a total of 63,000. So that tells you that I made about $16 Mhmm. for my own business. Yep. And then in 2025, Mhmm. they I don't think it's got the antenna bloke there anymore. It shouldn't. No. It's only got clicked out on Wi Fi, which is the same company. We've got $5,050,000, and Yep. my total income was 67. Yep. So So pretty pretty similar. our audit, like, not 67, but it's like yeah. So $50 from him. Well, Yep. just remember, we gotta take we gotta take the GST off of that too. Yep. Yep. So so $50, what so it'd be 11% would be Yep.","start_word":3433,"end_word":3556,"sentiment":"neutral","sentiment_score":0.04766274544019853},{"text":"I can do all of that.","start_word":3557,"end_word":3562,"sentiment":"positive","sentiment_score":0.35042378306388855},{"text":"Yeah. Take 11% off that. roughly are you doing that for me? I'll write it down, and then I can do all of the back end so you don't have to Yeah. worry Yeah. about Yeah. it. So this Yeah. is yeah. I'm gonna take GST off. I I earned Yep. $67 last year, and then it was Yep. Yep. $50.50 grand from actually Rob. So, yeah, $1,717,000. So around, yeah, around 15 to $16 a year is what I'm making for myself. Yep. Yep.","start_word":3563,"end_word":3647,"sentiment":"neutral","sentiment_score":0.138196662068367},{"text":"Perfect.","start_word":3648,"end_word":3648,"sentiment":"positive","sentiment_score":0.4930890202522278},{"text":"Yeah. And that includes the GST as well? That's with GST. Yes. Yep. Yeah. Yep. Perfect. So from So the business. you gotta yeah. That's all all included. So that has Yep. to be obviously Yep. deducted Yep. out of it because then, yeah, you're just adding Yes. you're adding, Yeah. what, 10% on top of everything that you're making. Yeah. Yeah. Exactly. Yep. Okay. Well, that gives me a bit more, I guess, clarity on the figures. So I will kind of count that, and I'll obviously, you said your income for this year would be little bit reduced, obviously, because you are now employed. Yeah. And So I'm taking, yeah, $6 an hour pay cut. So yeah. it'd be minimum it's gonna be minimum of a $150 or a 100 and it'll be a $120 a week less as, like, as a maximum. Yeah. So but that's if it depends on the hours I work too because Yeah. the less hours I work, the more, like, the the the less I'm earning, obviously. But yeah. Yeah.","start_word":3649,"end_word":3826,"sentiment":"neutral","sentiment_score":0.011171210243293409},{"text":"Even I'm basing that off of if I do a twenty hour week, I'm gonna lose a $120 a week from what I was getting paid before, Mhmm.","start_word":3827,"end_word":3854,"sentiment":"negative","sentiment_score":-0.4451947808265686},{"text":"which is yeah. I mean, it's not huge because someone else is paying for my fuel now, and I was spending Yeah. a 150 to $200 a week on fuel. So I sort Yeah. of make money up there. Yeah. So it works Exactly. out. Yeah. Yeah. Okay. Well, I will work with these numbers and do that. And, obviously, he will pay the regular contributions into super for you as well now when you're employed, which is good, Yeah. which will obviously change that.","start_word":3855,"end_word":3939,"sentiment":"neutral","sentiment_score":0.054481592029333115},{"text":"So it is good.","start_word":3940,"end_word":3943,"sentiment":"positive","sentiment_score":0.5458632707595825},{"text":"I'll review your super a little bit as well, obviously, with that because there's been some changes Yep. with that. But aside from that, you are not making any contributions yourself from your business. No. I've It's only just made, like no. I think I made one or two if that. One one thing that's sort of settled a bit because it this is all new. Like, I I didn't think I was gonna work for someone as an employee again. Like, I am kinda like working for myself. Okay. Yeah. But when everything sort of settles a bit and I've got, like, a regular know what's happening with my money Yep. sort of thing, I've I've been planning on doing a salary sacrifice, which is what I I did. I did that for quite a few years with my old Oh, job yeah. and Yep. yeah.","start_word":3944,"end_word":4090,"sentiment":"neutral","sentiment_score":-0.023504456505179405},{"text":"And it worked out well.","start_word":4091,"end_word":4095,"sentiment":"positive","sentiment_score":0.3974329233169556},{"text":"Yeah. So And we can we can definitely have a look at that for you. When when you get to that point, just let us know, and we can always, yeah. you know, run the numbers and and do that calculation and everything for you just to see that's all kind of aligning. Yeah. So Hold hold with a on little one second. I'm talking to the CFOANUATION people. Fine. Yeah. yeah. Sorry. Yep. No. Keep That's going. alright. Yep. So I'll have a little review of that for you. Now just quickly back to insurances. I do wanna just triple check as well. Last time, you said that you didn't wanna look at trauma insurance because you have to pay for that out of pocket to cover you for traumatic events. Is that still the case? It's not really something you're interested in looking at right now? So what's the sort of entail? Like, what are you Yeah. So just trauma, run me through it's it again. yeah. So it is a bit different through income protection and PPD because you don't have to prove that you are unable to go back to work. So how it's different is, like, for for example, let's say you have a heart attack and you end up in hospital, you will then be paid out a a tax free lump sum directly to your back pocket through assist. So that if if you wanna take some time off work or if you need a loved one to come and assist, or if you have any medical bills and stuff like that that's not covered, that's when this insurance policy come in pretty handy because you don't have to meet those conditions of proving that you can't work. As long as you get that diagnosis and it's on the the forms, then you are able to get the policy paid out. Yep. So it is one Okay. that you probably probably receive gets claimed on the most because you don't have to meet those definitions, but it is different. It's not income replacement or anything like that. It is just Yeah. to cover you for traumatic effect. But it Yeah. is a policy you have to pay for out of pocket because you can't have an inside super. Okay. Yeah. Yeah.","start_word":4096,"end_word":4483,"sentiment":"neutral","sentiment_score":-0.03330855957741282},{"text":"Happy to leave it for now or Yeah.","start_word":4484,"end_word":4491,"sentiment":"positive","sentiment_score":0.39105063676834106},{"text":"We'll leave that Yep. for now. Yep. Yeah.","start_word":4492,"end_word":4499,"sentiment":"neutral","sentiment_score":0.17319384217262268},{"text":"Okay. Perfect.","start_word":4500,"end_word":4501,"sentiment":"positive","sentiment_score":0.4911118149757385},{"text":"Now, otherwise, I do wanna just quickly run through a bit of an updated fact find to see if there's anything else that's changed so I can prepare this all for you. Now No worries. I do have here next of Ken Aaron. Is that still the case? Yep. Yep. Yep.","start_word":4502,"end_word":4552,"sentiment":"neutral","sentiment_score":0.2185845673084259},{"text":"Perfect.","start_word":4553,"end_word":4553,"sentiment":"positive","sentiment_score":0.37993091344833374},{"text":"And I do have here that you have two financial dependents, and then your partner has three as well. Yep. Yep.","start_word":4554,"end_word":4574,"sentiment":"neutral","sentiment_score":0.1530754566192627},{"text":"Perfect.","start_word":4575,"end_word":4575,"sentiment":"positive","sentiment_score":0.3678460717201233},{"text":"I've updated all your employment details. Asset wise, I have here your property loss was valued at about 600,000. Yes. Somewhere around there. Yep. Yes. Perfect. And it was about 240,000 owing, roughly? Alright. 240,000 owing, did you say? Yes. Is that still the case, do you think? No. Because we we've refinanced the loan, so it'd I be, am. like, 200 about 280. Okay. Perfect. So that's Yep. $2.80.","start_word":4576,"end_word":4645,"sentiment":"neutral","sentiment_score":0.017121657729148865},{"text":"Still I do bugger ask all in the in the yeah.","start_word":4646,"end_word":4656,"sentiment":"negative","sentiment_score":-0.37051787972450256},{"text":"in the sense of most people's mortgages. Oh, yeah. So yeah. Definitely.","start_word":4657,"end_word":4668,"sentiment":"neutral","sentiment_score":-0.0951126515865326},{"text":"You're doing good.","start_word":4669,"end_word":4671,"sentiment":"positive","sentiment_score":0.3746156096458435},{"text":"I also have here that you have a motor vehicle ride at about 3,000. Yeah. Maybe. Yep. Is that But you don't have anything owing on that one? no. No. I never Not have. No. I bought Not it outright. perfect. Yeah. Great. I do also have here savings in the bank was about 45,000. Yeah. Does that still roughly sound about the same? Yeah. Nah. About 52 now. Oh, perfect. About 52. Does it need to be across both of our accounts or just mine? Typically, you I do have another one here Yeah. that you also had a separate saving account with your partner for about 20,000. Yeah. So yeah. That's, yeah, still That's still sales. I'm not sure how much she's got now, but, yeah, I've still got the You've got the 52. 52 Yeah. sitting in K. as which is it's all our K. money. Yeah. So it's Yeah. not yeah. We're not possessive of it. Yeah. Yeah. Any other assets, any other motor vehicles, or anything else? Else? No. I've sold all Nope. of my other cars and bikes and Yep. everything. So Yep. Perfect. Any other liabilities, like personal loans or credit card or SIP pay? no. We do No? have payments that will be starting soon. Yep. And how much So my they're about $30, I think. Okay. Perfect. Anything else? No. I don't think so. I No? only Okay. like I only like Afterpay, which is usually a couple $100 at a time. But yeah. Yeah. Okay. Perfect. No. That's good. And you've never been declared bankrupt or been under a part nine debt agreement? No. No. Great. Perfect. And are you still a nonsmoker? Yes. Yep. Great. And having a bit of a look at estate planning, do you have a will in place at all or a power of attorney? No. Let me see here. And you don't have anyone else who makes, you know, financial decisions on your behalf? No. No. I think so. No. No. Perfect. And are you politically involved at all or earn any any income overseas? Nope. Nope. Alright. Perfect.","start_word":4672,"end_word":5026,"sentiment":"neutral","sentiment_score":0.008333827977554059},{"text":"That's good.","start_word":5027,"end_word":5028,"sentiment":"positive","sentiment_score":0.34922343492507935},{"text":"Let's see here. Now, obviously, aside from reviewing your insurances and stuff like that, is there any other goals that you are working towards in the next, you know, couple of years or so aside from, I think, last time you mentioned your focus is just to kind of grow the business and just kind of focus on paying down the mortgage. Is there anything else that you were kind Yeah. of, you know, working So towards? we're just yeah. We're just we're renovating the house slowly as well. So that's Yeah? just mainly all we're trying to do at the moment, which is why we've done we've done, like, a outdoor area and stuff like that Oh, nice. on finance so that we could not break the bank. Mhmm. And Yes. then, yeah, we're going to once we've got an outdoor area where we can actually sit and eat and stuff, we wanna renovate our kitchen and stuff like that. So that's Yeah. the only real goals at this stage. Yep.","start_word":5029,"end_word":5200,"sentiment":"neutral","sentiment_score":0.08003320817857287},{"text":"Perfect.","start_word":5201,"end_word":5201,"sentiment":"positive","sentiment_score":0.5539976358413696},{"text":"And I do wanna just confirm as well. So with your super nominations, I have Audrey So and Ollie about 50 yep. percent. That's still correct? Yep. Yeah.","start_word":5202,"end_word":5229,"sentiment":"neutral","sentiment_score":0.22128517925739288},{"text":"Great. Perfect.","start_word":5230,"end_word":5231,"sentiment":"positive","sentiment_score":0.6623362302780151},{"text":"Now with your super as well, so I'll have a little bit of review of your superannuation. Now I'm looking at your account at the moment. And is that something you keep an eye on every now and then? Only recently I've looked at Mhmm. it. Yeah. Yeah. Now at the moment, you do have about $96,475 in your hub 24. Mhmm. And I do wanna check as well, do you still have Prime Super as well? I think last time we spoke, there was about 10,000 or so in Prime Super. Super. Well, I've got I've got no idea. No. It shouldn't be that they I know that there was $10 sitting in there, and it had to stay in there for a certain amount of time to keep insurances intact until you guys could give me the insurances, I believe. So yeah. Okay. So what I might do as well, just so I can do some research and see if there's still money in there, and then hopefully get that consolidated for you, Yep. Is That'd that be I will awesome. Yeah. That's exactly what I wanna do. Yeah. yeah. Yeah. It Now keeps telling me that I've got two super accounts, and I'm like, no. I should only have one. What is going on? yeah. Sorry. I'll do that for you. Now the process for me to do that research is a little bit tedious because Prime Trooper needs a wet science, a paper science, third party authority for me to do that research. So what I'm going to do is I'm going to express post that to you. I Yep. will include a return envelope as well. If you Yep. could just sign that as soon as you get it, return it through me. As soon as Yep. I have that back, I'll send that off to Prime Super, and that will allow me to do that research for you and then get everything, you know, hopefully consolidated and sorted. Yep. Yeah.","start_word":5232,"end_word":5567,"sentiment":"neutral","sentiment_score":0.0063769616896197905},{"text":"Awesome. Awesome. Yep. That'd Perfect. be great.","start_word":5568,"end_word":5574,"sentiment":"positive","sentiment_score":0.6342505812644958},{"text":"Yeah. So keep a lookout for that in the post. I will get the team to send that out to you either today or tomorrow. And then, obviously, just depending on Australia post, how long that takes. Yeah. Yeah. Yeah. No worries. Now part of, obviously, reviewing your super as well is I do wanna have a bit of a review of your investment. Some of the investments have done really well, but there's been one that's kind of underperformed a little bit that I would like to look at potentially changing through something better. So one of your investment, which is the Benelung Australian Equity Fund, when you came on board, it was doing really, really well. It was that one that's kind of your active management component. But lately, Yes. it's of underperformed a little bit. And one of the biggest reason is that one of the investments that they have in their funds is Corporate Travel Group, and they were suspended for trading because that reporting didn't really add up. So they were suspended from trading, which meant that their their stock price and everything kind of went down. So Yep. Yep. it is something I do wanna review for you because we wanna make sure that at all times, we have you in the best options possible. And, obviously, the markets and things are always always changing. So it is important to keep reviewing it and, you know, swapping and changing investments if we need to to make sure they continue to do really well. Yep. So I'll do that research for you as well just to make sure if we can, you know, improve that a little bit for you and and have a have a look. And I'm not sure if you've had a look at our recent newsletter at all. Is that something you kind of read every now and then? No. Or I haven't. Not really. No. Every every every now and then, I do the I'll look at your Yeah. trade summaries that get sent through and I'm like, oh, you lost me money here.","start_word":5575,"end_word":5928,"sentiment":"neutral","sentiment_score":-0.020157960620393062},{"text":"You lost me money there. You're like, oh my god. I lost money here. I lost money there.","start_word":5929,"end_word":5946,"sentiment":"negative","sentiment_score":-0.4432039260864258},{"text":"I'm like, sometimes I open them and I'm like, well, Yeah.","start_word":5947,"end_word":5957,"sentiment":"neutral","sentiment_score":-0.24995744228363037},{"text":"that was depressing. Goodbye.","start_word":5958,"end_word":5961,"sentiment":"negative","sentiment_score":-0.6187313199043274},{"text":"Yeah. But yeah. No. All So good. yeah. So with the with Anita, I was going to say as well. So I'll I'll research options for you to kinda change the investment. But I do wanted to check with you as well because we have recently merged with BlackRock, which is one of the biggest investment managers. You may have heard of them. I haven't. They Hold on. no. No. Yeah. That's okay. They are quite big, and we've kind of joined forces with their investment committee and created something that's called an SMA. It stands for a self managed account. Still within your Okay. super and investment, but it works a little bit differently. The the way that we currently have you structured, which is like a model portfolio, is that when Mhmm. you look into hub twenty four, you will see each and every single one of your investments. And if we want to change one, so for example, now when we wanna potentially look at changing the Benelon, I would have to and do the research for you, put everything in a document, most of my compliance point, and to make sure you are happy, present it to you, and then you have to let me know if you're okay with it. The way Yep. that the SMA works is they kind of takes away that that side of it in that you are invested in a portfolio. So it would just be Yep. like a name of a portfolio. Still have kind of, like, the same investment philosophy underlying, but you just are invested in the portfolio. So what that allows us to do quickly is that if we see that one of the investments are maybe not doing so well, we can change it straight away without having to put it in through, you know, the compliance document or let you Yeah. know when Yep. it's changing.","start_word":5962,"end_word":6283,"sentiment":"neutral","sentiment_score":0.08923908430643333},{"text":"So So I it just speeds moved up on quicker. Yeah. it does.","start_word":6284,"end_word":6296,"sentiment":"positive","sentiment_score":0.4751143753528595},{"text":"As long as is that something that you are comfortable with? You wouldn't have, like, see every single one of the investments as much. You can still go in and have a look at them.","start_word":6297,"end_word":6331,"sentiment":"neutral","sentiment_score":0.19617107510566711},{"text":"It will still be there. It would just mean that we can do that quicker for you in the back end.","start_word":6332,"end_word":6352,"sentiment":"positive","sentiment_score":0.45956823229789734},{"text":"If that is something you are comfortable with, Yeah. then I can research Yeah. that Yeah. for I you I mean, as well. I think I think Yeah. so. I mean, I'm Yep. I'm trusting you guys with my money. Yeah. So it's like, if you lose Whatever's all my gonna money, be, I'm babe. gonna come looking for people. Exactly. You know where we are. Yeah. I've got a rough idea. I've got names and photos, Yeah. so that's all Oh, I need. yeah. And the address. Yeah. That's it. Yeah. But yeah. Okay. No. I'm I'm yeah. Like, I don't this Yeah. is the first time I've ever even invested in anything or even let anyone invest with things, so I don't. I usually hang up on callers and stuff. Yep. It was it was just by chance that when Hub twenty four first called me that I was just Yep. like, you know what? I've I've got super there. It's doing nothing. I'm not putting Yep. any money in there if I can make a bit of money. And and it did it it definitely Yep. Yep. made me some money in Yeah. the first twelve months or Yep. so. Yeah. Yeah. Yeah. Yeah. Not so much. It hasn't meant so much the last year, but Yeah. still a little bit.","start_word":6353,"end_word":6576,"sentiment":"neutral","sentiment_score":-0.010859976522624493},{"text":"But it's been good to see it grow, and I I know that now the money's going in there that it's going only going to keep going up anyway, Correct. so that's fine. Exactly.","start_word":6577,"end_word":6610,"sentiment":"positive","sentiment_score":0.5207090377807617},{"text":"Yeah. I'll have a I'll have a look at different options for you. And then whatever is obviously going to be Yeah. best for you with performance and fees and stuff like that, I will then, Mhmm. you know, let you know, and then you can let me know what you are comfortable with. Yeah. No worries. Yep.","start_word":6611,"end_word":6668,"sentiment":"neutral","sentiment_score":0.16947583854198456},{"text":"Perfect.","start_word":6669,"end_word":6669,"sentiment":"positive","sentiment_score":0.5028908252716064},{"text":"Now we do have a lot of different portfolios. So I do wanna quickly run through a bit of a risk profile questionnaire with you. It's just a couple of multiple choice, very similar to last time, just to see if anything has changed for you No worries. in terms of your risk tolerance. Now if it doesn't make sense, let me know because some can be a little bit tricky. No worries. Yep. Perfect. Now have you ever bought direct shares yourself? What what? Have direct shares? Like, have you bought any No. stocks on the stock market? No. No. Perfect. Let me see here. And at the moment, do you have any idea when you think you might wanna retire or No stop idea. working? No. That's okay. More than definitely more than ten years, you'd say, until you Oh, stop 100 working. percent. Yeah. Yeah. More than 20, I would say. Yeah. Perfect. Now the next question is kind of in regards to how much risk you are willing to take with your superannuation. So would you say that you are willing to accept very high risk, high risk, moderate risk, or a small amount of risk in your superannuation to try to make sure that it's still I gross. don't wanna go high risk because I don't wanna lose No. my money. Yes. So somewhere kind of in the middle. Yeah. Yeah? I guess, moderate risk, I guess. Yes. Moderate? Yep. Nope. That's fine. And if you saw, let's say, your superannuation drop in value by 20% due to kind of general trends in the in the market. Do you think you'd wanna take the opportunity, invest a bit more while the prices are down? Would you kind of just wanna wait and hold and see what happens? Or do you think you'd wanna sell out of that investment and move to something, you know, less fluctuating or less risky? Probably last week. Excuse Less risky? Yep.","start_word":6670,"end_word":7000,"sentiment":"neutral","sentiment_score":-0.05494322726823772},{"text":"Perfect.","start_word":7001,"end_word":7001,"sentiment":"positive","sentiment_score":0.4057859778404236},{"text":"Let me see here. Now next is kind of in regards to if you did you know, when you saw your superannuation fluctuate a little bit, would you say that you felt optimistic about potential opportunities or a bit more cautious, not wanting to make further investments, or Can you just repeat the first five of the questions? superannuation and next time you looked, it was down. So it Yeah. it it dropped. If you notice that, how did how did you feel? Would you say that you were, you know, concerned or I'll be concerned. Yeah. Concerned. Yeah. Perfect. And the last one here is, would you ever consider taking out a loan to invest in, you know, the stock market? No. No. Would you take out a loan to buy an investment property? Possibly. Maybe. Okay. Perfect. Now, Caleb, that tells me here that you have come out as a growth investor. And at the moment, we have you in the portfolio of a high growth. So Okay. with the growth portfolio so, basically, the difference of they're both similar in that you are trying to, you know, maximize growth in your superannuation while you have the time and that Mhmm. you are prepared to kind of experience some high levels of fluctuation in order to get that growth. Yep. Now when we are talking about an asset allocation, so how your money is invested in a high growth asset. Now this would be things like Australian shares and international shares and kind of property as well, and that's what's going to maximize that growth for you. And then we Mhmm. do have about 10% in defensive. So that will be your your cash, your fixed interest, and your goal can fall into that as well. So it's gonna limit fluctuations a little bit. And in our growth portfolio, it's about a 10% difference. So it's 80% in growth and about 20 in defensive. Obviously, from the questions that we just went through, it seems like you're a little bit more less, you know, wanting to take on too much risk by still wanting to grow your super. So do you think you would like to look at, you know, potentially changing down to a growth portfolio, or are you still quite comfortable with that high growth allocation? Yeah. Maybe we can get down to Yes. yeah. Because that is Progress. yeah. I'm definitely Yeah. more concerned about money Yeah. nowadays. Yep. Yeah. A 100 Okay. percent. So Yeah. Perfect. taking taking a bit of a hit with the income and whatnot is yeah. It's all been a little bit concerning, and then the things that have been going on with the house have been a bit concerning as well. So just trying to keep everything Yeah. pretty close knit at the moment. Yep. No. Perfect. Now I'll definitely have a look at that for you. And that was essentially most of the stuff that I needed to go through with you today. So what I'll do from here is I will go through and do that research for you with the insurances, with your super, with your investment. I will put together all of this for you when I have the information. Now like I said, I will get the team to express post that TPA for you. So as soon as we have that back, I can then finalize Yep. Yep. all of this for you. So it might That'd take a be awesome. little bit to get that back. Hopefully, it will be express posted.","start_word":7002,"end_word":7601,"sentiment":"neutral","sentiment_score":0.0673725994117558},{"text":"We'll get it back soon and prime service very quick, and we can get all of that sorted.","start_word":7602,"end_word":7619,"sentiment":"positive","sentiment_score":0.346187025308609},{"text":"No dramas. Now with you know, is there any other questions, anything else that you want me to look at or address for you before I do transfer you to Caden to quickly do that pre assessment? Is there anything else you, you know, have No. any No.","start_word":7620,"end_word":7667,"sentiment":"neutral","sentiment_score":0.07377968728542328},{"text":"questions All good.","start_word":7668,"end_word":7670,"sentiment":"positive","sentiment_score":0.35036686062812805},{"text":"for me? Yep. Okay. Not Perfect. all So what I'll do is I'll quickly transfer you over to Cade, and he will just run through a bit of a bit of a pre assessment good. for you. And then we can get that set in to me, and I'll send it off to the insurers and then kind of see which one is going to be the best for you.","start_word":7671,"end_word":7740,"sentiment":"neutral","sentiment_score":0.15481239557266235},{"text":"No worries. Thank you. Perfect. Well, thank you so much for your time this afternoon, Caleb. The next person you will speak to is Kaden, and then I very much look forward to speaking with you in the next couple of weeks and get all of this sorted for you. No worries. Alright. Thank you.","start_word":7741,"end_word":7795,"sentiment":"positive","sentiment_score":0.6018791794776917},{"text":"No.","start_word":7796,"end_word":7796,"sentiment":"neutral","sentiment_score":0.22034816443920135},{"text":"No problem. Thanks, Liv. Alright.","start_word":7797,"end_word":7801,"sentiment":"positive","sentiment_score":0.4633302092552185},{"text":"Bye. Bye.","start_word":7802,"end_word":7803,"sentiment":"neutral","sentiment_score":0.21186363697052}],"average":{"sentiment":"neutral","sentiment_score":0.031017701301605975}}}}