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Every time I do it, my husband turns around and goes, you're an idiot. Like, yeah. But I just didn't want to, and they were expensive. I know. From the through it. I know. I know. I'm a mechanic's daughter, so trust me. I know. And yet we still do. Anyway, where were we? No. Don't apologize. Absolutely fine. I've got to grab a drink of water, pop up to the loo, so I was I was happiest. Okay. So currently yeah. With regards to that, that's where we fit, so that's fine. And you said that you're just taking care of it through heat packs and Voltara and stuff like that, Pedal. So that's okay there. Right. No. Absolutely. Now I wanted to ask, previously, did you ever have you ever been through an application for insurance, or did you like, have you applied? You've never applied to alright. That's good. Mhmm. Yep. Yeah. See, I right. Because so so, like, to to to break it down 100%, you can be declined cover from a provider. All that happens is you're declined. If you ever go and apply for cover in the future, you have to notify that that new provider that you were declined for cover. It's it's not the end of the world. The biggest part is is that, like, unless you've had suicidy suicidal ideation or suicidal attempts, you're not gonna get declined based on mental health. So I don't know why that broker was saying no. Yeah. Unless he was specifically like, he was just pushing a comm product, and at the time, okay, and at the time, CommWell may have had just a a bit of a because they don't get me wrong. There was a period of time, specifically during COVID and post COVID for about twelve months or so, where providers were getting really tight lipped about any mental health, because there was a lot more cases that were coming out because we were locked inside, stuff like that, but other ah, good. Yep. That's close. It's sort of you know? That's basically twenty years ago. Nah. That's, you know, like, thirteen years ago. Same thing. Okay. And you have a a life a life insurance policy trauma policy with AIA? Yep. Is does that have any exclusions, loadings, anything? Nothing. Okay. Cool. Yes. Yeah. You have the the UniSuper. Yeah. No. That's okay. The the other adviser. Yep. Yes and no. Like, yes. Yeah. Yeah. I think I think that's probably where things fit more so. Like, the so the policy you have inside your uni super is a life and a TPD or a total permanent disability. You can't you can't have the total permanent disability without the life in your super fund. The way it's structured, it has to stay like that. They're attached to each other. It means it means it's cheaper as well. You only pay $315 an annum for that for the the two policies. So that's happy days. It's not overly expensive. It's there. It's only two $118,000. Don't get me wrong. It's not gonna pay the debt off from our mortgage, but that plus your superannuation balance, you get pretty close to paying this your your mortgage off. And then theoretically, right this second, if something happens, you'd have center link income to live off. Not the greatest outcome, but you're not you know, it's it's not awful. The AIA policy is probably the biggest question mark. Sorry. What were you gonna say? No. And and we wanna we wanna the whole point of insurance is the same same reason why we insure our cars, we insure our house, is because if that thing happens, we wanna have that contingency plan, and that's what the insurance policy is there for. If you were never able to work again or you got sick or ill or injured, we wanna have a policy in place to protect you. It's it's not it's not the provider. It's not anything else. It's just the fact that you have a $1,200,000 worth of worth of life insurance. Like, it make it makes no sense why you have that much worth of life insurance. When Yeah. Yep. Yep. Cool. Yeah. There's been a lot of acquisitions of light. Cool. So she's yes. Okay. That's fine. Look. AIA are great. I've I use AIA. I've claimed through them before for clients. They're they're in no way shape or form a bad provider. And you have so realistically, across the two policies, you have sort of 1,500,000.0 in life insurance. You have 218,000 in total permanent disability, and then you have the 143,000 in trauma. Now trauma policy pays out if you were to be diagnosed with your major medical traumas. So it's your heart attack, your cancer, your stroke, your neurological conditions. So it it's completely different to what your PPD insurance covers because PPD means you have to meet the total and permanent definition, whereas your trauma policy pays out pretty immediately. And when I say immediately, within a couple of weeks upon the diagnosis of a one of those conditions. So if we did get cancer, god forbid, touch wood, we're covered from that point of view. So I have no qualms with that policy existing. I think I definitely wanna know a little bit about it. So if you're able to find a like, the policy schedule for it. Fantastic. You did. I I wasn't sure. Perfect. No. That's okay. I I didn't I didn't have an good. No. I I know that I had your super policy through. I just didn't see the AAA insurance, but I'll I'll have a chat to her and make sure that I get that. Yep. Yeah. Good. Cool. That's good. Alright. Because what I'll do is I'll compare them against the market to see what we can do on the market, see where I can get that premium come down, have a have a look at the features that are obviously in that policy to make sure that I'm not cutting any features off, and see where we can go with respect to everything sitting there. Now one of the issues I saw on your account when I was running through everything was that your beneficiaries on your uni super, you've nominated your mom and your sister. They're actually nonvalid nominations. As silly and stupid as it sounds, I know I know. And the super funds don't because they basically state that, well, we let you know that you have to read the legislation, and the legislation says it clearly. The legislation doesn't. The legislation's boring to read for any normal person. So superannuation legislation dictates that under it's the CIS Act, s I s, Act, that a valid beneficiary is a financial dependent, a child, a spouse. So if mom and yeah. So if mom and sister are living with you, that's fine. But if not, it's not. Now don't get me wrong. What would happen if something happens to you tomorrow is that, basically, your your estate would settle. It it would settle. It just it's gonna take longer for it to settle because the trust it's okay. I that's what I'm here to do, just to sort it all out. I have the issue all the time. Like, I have clients that try and leave it to their mates, and we can. We can still give we can we can still make sure that mom and sister gets it. We can we can nominate all of the sisters if we want to. We don't have to pick one of them. We can pick none of them. We just have to do it through a will. And the good the cool thing yeah. The good thing about the will, it means that we can we can have the house taken care of as well. We can have the bank accounts taken care of. We can have the cars taken care of, and we we can we can look after all the assets that you own, whereas the beneficiary nomination just looks after the super funds. So we just ignore the beneficiary nomination. We nominate what's called your legal personal representative, which is your estate, and I can help you take care of all of that from that point of view. I know you don't have a will yet, but I know it's on your to do list. If you're like me, it it's been on your to do list for a good decade or so. Stop it. Oh, yep. I I I have I have one as well. How old? My eldest is 13, and I got I bought a wheel kit, same thing, paid the the $30 or whatever it was at the time for it, and I still have it. Never used it. Haven't used it. Went and paid a thousand dollars to get one done up by a lawyer because I just realized that I was too lazy and I was never gonna get it done. And yeah. Oh, it's tiny. I know. It's ridiculous. I know. I know. It's an absolute pain. The good thing is is there are some online services that you can use these days, and your estate looks pretty simple. Like, we're not you know, we don't have any trusts or any companies or anything crazy like that. So, yeah, we could probably just go through an online service if you don't wanna go sit with a lawyer or the the will kit if you eventually get around to doing it. Yeah. Cool. So I guess from the insurance point of view, what would we wanna cover? We obviously have the debt, so we wanna make sure that the the mortgage is paid off, and we're specifically focusing on on our disability covers. We don't care about life insurance as you've already said. But from a from a disability point of view, you would want the the mortgage paid. So we can definitely take care of that. If you were never able to work again, you're young. And if I don't say say that you're young, then that means that I'm not young and that's gonna make me sad because I'm in I'm I'm only a few years behind you. So so what what what would we wanna replace? We would do we wanna replace our income for a few good years so that way, you know, the mortgage is paid off and we can have income replacement still coming in so we're not central independent. Yeah. Okay. Perfect. So I'll do the math on what that number looks like, and then I'm gonna start quoting and having a look. I will try like, I'll I'll look at cheap premiums, but good products. Okay? So I'm not gonna go off the cheap and nasty. I'm not gonna go off the most expensive. I'm not ever interested in doing that. I have never been an insurance pusher. I honestly I I I see the benefit. I've been in claims. I've done claims for the last half a decade of my of my career. I've been in the industry for for near near on a decade, and I've done specifically claims for five years. And in that five years, I definitely see the benefits of insurance, and I know that it's beneficial. But I am not anyone that's ever gonna push insurance to a degree that's more than what you would need. So I just wanna make sure that I've got my figures right. Income is a $100,000 a year. Our expenses are about $800 a week, and we put about $300 a week into savings, and our mortgage is costing us, 639 a week. Cool. Good to know. Now we're open to putting money into our superannuation from a bit of a tax minimization point of view. Cool. I can look at that from a point of view where we're gonna save. The money that we're putting into savings, so the $300 a week that we're putting into savings, what is that directed towards? Do we have a goal that we're we're utilizing that money for or anything that you're specifically doing? That's okay. Yep. Yeah. Absolutely. Yep. Yeah. Yeah. Cool. How much do you wanna get in that emergency fund? So we like, a $2, $5, $10 kind of emergency fund, girl. Yep. Okay. So what I'll do is I'll factor that in to basically grow that. And then once that's once that's at the point, so, you know, x number of weeks at $300 a week, blah blah blah blah, get us our emergency fund, and we can go from there. With with tax minimization, I'm obviously just gonna do it to a capacity where we're not gonna lose too much of our income because, obviously, any money that we put into our superannuation fund is gonna be locked away. We're not gonna be able to touch it till we retire. So I don't wanna be going and throwing $300 a week in there. And I just wanna be clear. That's not that's not the outcome. Yeah. Absolutely. But I wanna make sure that we can still get that emergency fund banked up first and look at look at how, yeah, how that would work. Because I wanna you know, having an emergency fund is important. Even when I was, you know, 16, 17, 18, I always kept a couple of grand for an emergency. I remember I remember having to I know. I know. My mother taught me. My mother taught me well. And and life happens. Yeah. Yep. Beautiful. Oh, good. And and and it happens. Like, school doesn't teach you. If our parents don't know, they only teach what they know. So it becomes hard. It is hard. On the topic of parents, I know we have a number of siblings, which is great. Again, love a good sisterhood. But are we looking at any kind of wealth transfer? Did mom and dad have any money behind them? Is there something that I need to factor in from that point of view? Are mom and dad still young, still going? Yep. Get it, mom. Yes. She is. Beautiful. Yep. Okay. Yep. That's okay. Alright. So the only asset transfer that we'd be looking at is is the house. Do we that's fine. That that's okay. So that will happen when it happens, and that's something we can factor in when things happen. And, obviously, depending on how mom wants that asset to go, whether it gets divided between you and your siblings or whether, you know, between yeah. And then depending on how you guys wanna want that to operate, you guys might decide to keep it and have it as an investment property. You might decide to sell it. Cool. We're selling it. Absolutely. Cool. So that that means that, you know, we'll we can deal with that when it comes. It's something I always like to kind of have as a topic with conversation with any kind of potential client because there is a massive wealth transfer that will happen over the next twenty years plus thirty years. So it's always something good to consider as to what happens at that point. Obviously, we can't factor it in, but, you know, when and if that unfortunately does happen, we know it's always inevitable. But when it does happen, we'll we can cross that bridge at that time, and we can have a discussion about it all. Yeah. Yeah. Yep. Yep. Yeah. You you do. Look where are we getting there? It's really sort of that $300,000 mark is kind of where you wanna be at. And we can definitely look at bridging into an SMSS because that's what you're talking about as a self managed super fund. That's the only way that we can buy a property. We can definitely look at doing that when we hit that bridge. Or, alternatively, if you wanna keep the asset held personally because the the restriction is that if you own if you own the property through a self managed super fund, you have to have an arm's length, which means that you can't live in it. You can't yeah. Yeah. But what can happen is when we retire, that property meets a condition of release, and you could actually move into that property at retirement. So there is still ways that you can through asset transfer and stuff like that, but we just need to really consider how that would look for you if we did that at, you know, looking at, you know, where you wanna buy prices and stuff like that. The reason it's towards 300,000, while you can do it at 200,000, it means that you are pretty much, like, bang on being able to, you know, service or not service. So it becomes really, really hard to service a property when the only asset you have is the property. If any of your, you know, tenants move out and you have a couple of week gap, it becomes really difficult from a cash holding point of view in being able to service the property ongoing. So having that little bit more three to three fifty gives you that bit of a a bridge to be able to actually service the property and, you know, have the cash flow to do everything you need to do with an investment property. You know, you still have all the overheads. So we can focus on that as a, you know, a a goal for you. Alternatively, you know, equity within your property could also see you being able to purchase it personally. Yeah. Cool. Yeah. Equity, buy again. And I could see you basically buying maybe a property for you while you rent this one out. So, like, the your current property out. So that's, yeah, definitely something we can kinda look at from that point of view as well. Okay. So what I will do from here is I'm gonna go and research everything. So I'm gonna go and have a look at the insurance side of things. That's gonna be conversation I have to have tomorrow with my insurers. I'm pretty honestly confident that we're gonna be fine, but it's always something that I like to, you know, engage the insurers just if I'm dealing with multi, you know, health issues. But I I I I I'd be again, ten years, I don't really have too much of an issue. We will be looking into mental health. We will be looking at a back exclusion. Gonna be open and honest about that, but I'm gonna go and still ask the question. The perimenopause preventative is not concerned about it. That's fine. I'll have a look at where my insurers sit, which one's best option from a features point of view, where they sit for your occupation, and what happens there, your in a sedentary job, so happy days. There's not gonna be anything too crazy from that point of view. I think the the the biggest part is just where it falls cost wise, how much we're gonna insure you for, and I'll run all those figures. And then I'll have a look at your superannuation fund seeing where we can move from, you know, an investment point of view, seeing how we can invest you to get a little bit better of an a compounding growth. You did come up as a, you know, pretty aggressive investor, which is fantastic. So we can definitely look at yeah. Yeah. So the the there there's really obscure questions about investing. You you came out of you came out of you know, not you you came out as quite an aggressive investor. Like, you're happy to take risk. You're you're happy to, you know, take on a loan to get a property to to to invest. You, you know, you wanna see growth out of your out of your out of your investment. You're not looking to be conservative yet. You're not looking to to to wind down. We're not, you know, closing our eyes and taking a nap and ready to retire. We're still kicking. We're still going. So that means that we can take that that perseverance and keep going with it. Because the longer we're in the market, the better outcome we have, and we still got a good nearly thirty years. So we can definitely start using that and get that all happening from that point of view. I think that the the biggest or the the best thing to do is just to sort of look at, obviously, conservative value based assets that we invest in. We're not gonna go risky assets. We're not gonna go, you know, new start up businesses or anything like that. We're not gonna stock trade. We're gonna look at robust diversification. So means that we're gonna make sure that we invest across the market so that way if there is a dip, a turn, or whatever the case may be, that we have a really good market section so we're not gonna, you know, drop out and and lose all of our money. We wanna make sure that we're we're investing smart. We don't wanna be paying exorbitant fees. We wanna make sure that we're sitting really nicely in in a good portfolio that's gonna give us value. So I'll look at how to put that portfolio together for you to get us, like, a bit of an aggressive overlay. So investing more so in the market and less conservatively. And what I mean from investing more in the market and less conservatively is when it comes to investments, you cash is an investment. Right? It is actually an investment. You know, you it generates the cash rate. So, you know, money sitting in the bank each month, the bank pays you a little bit of an interest. It is the most conservative investment you can pretty muchly get. Right? So whilst it doesn't. No. So whilst it is an investment, it's a very conservative investment. There are other other investments along those lines you can get. Government bonds, bank bonds, you know, fixed interest products. They're all conservative investments. They generate kind of three to 5% return depending on what the investment is. Nothing crazy, nothing high, pretty conservative. They can fall down depending on how the market's going, but sometimes they're there to cushion a a a a a portfolio. Probably gonna stay away from majority of those because you are someone that's willing to take a little bit more risk. But, again, conservative risk. Thought risk. We're not gonna, you know, go and throw it all in in all black and fingers crossed. No. We don't either. So we focus on good solid blue stock companies. We we focus on good robust markets, and we look at long term investments. So whilst there can be volatility in the immediate, we're looking for the long term. Okay? And specifically because, you know, we we've got a couple good decades before we're looking to touch the money. We have the time to kind of weather those little storms that do happen. So I'll look at how to put all of this together, looking at some contribution strategies, looking at, you know, mixing up our our superannuation investments and looking at our insurance. I'm gonna look at our income protection, obviously, replacing our income. Now I wanna be clear that we can only replace our income up to 70%. So a $100,000, I'm only gonna be able to replace 70,000 of it per year. The products limit us to that. Is that okay? That's okay? Something's better than nothing? Yeah. 100%. Let me know, and I can increase it from there. But I'll I'll start out with that, and then what I'll do is Fabian's booked us in to have a chat Thursday. And what what we're gonna do Thursday, we'll go through the advice that I put together over the next couple of days. Yep. Yep. So I I will look at UniSuper from an investment point of view. There are hundreds of of of of of super funds and thousands of investment options. So for me to remember all of them, look, I'm good. For me to remember all of them, I don't. I I research because the research puts my money where where my my where my mouth is. I I look at UniSuper, and trust me, I've looked at it probably five times this week. But I look at UniSuper from a product point of view, from an investment offering point of view, from an historical performance, from a fees point of view to see where it's sitting. Is it you're sitting in a high growth investment structure, but if memory serves, their high growth isn't that invest isn't that aggressive. They don't really have an aggressive investment option. Their performance is not bad if memory serves again. But, again, I've looked at quite a number of super funds this week alone, and we're only on Tuesday. So their their their performance hasn't been bad, but if there's something we can do that's a little bit better, let's do it. When it comes to the yeah. Look. I could you could talk to five advisers and get five outcomes that are totally different. And the yeah. And the the out the outcomes will be similar but different. And it sometimes it's product. Like, look, AustralianSuper, UniSuper, they're all pretty much the same when it comes to industry funds. They're very limited in what they can offer you investment wise. The product is there specifically to limit what they offer to make it dirt cheap. But it also means that they bulk they bulk have everyone through. You're a number, not a person. And that's why they don't care what you've nominated on your super funds as your beneficiary. Whereas what I do is I work with what's called a retail product that has thousands of investment offerings where I can purpose built portfolios for my clients, and I can invest in the ASX. I can invest in cryptocurrency adjacent products if I wanted to. I don't generally, but if I wanted to. I can invest in specific stock options if I wanted to. So if you you had a a a pent up need to invest in Tesla, we could invest in Tesla direct. There's options that I have that are available that aren't there under under an industry fund. And that's why an adviser can be more beneficial because we have options like that are that are available. Generally, the platform, they're all same same, but different. They all do have different features and different options and and stuff like that, but a a retail products are very similar in the way that they offer, you know, the same kind of service through an adviser. It's the same as retail products. They're offering the the not retail. Sorry. Your industry funds are offering very much the same same service. A retail provider sorry. An industry provider like your UniSuper, your AustralianSuper, they're just offering cookie cutter made investment portfolios. There's absolutely nothing wrong with that and nothing wrong with that. I'm not gonna, you know, slam the industry funds because they've they've been doing it for decades, and they they do do a half decent job. But, again, you're not a personal per you're not a personalized person. You're a number, and they're not giving you that personal service. I have client clients that try and retire by themselves. I have a client that I'm working with at the moment, pro bono. She's in her seventies, and she's trying to retire, and AustralianSuper has not helped her in any way, shape, or form. And I've sat down and done all the documents to help her get her retirement because AustralianSuper has rejected all of her retirement documents, and they won't help her on how on how to retire. And the whole point in why they're supposed to be there is to help, and they won't help her. And she is a 70 year old who has no idea how to computer. Possibly. Yeah. Yeah. So the whole reason why I'm here and like I said at the beginning of our phone call, I'm one of those workaholic people. So I really enjoy doing what I do. It sounds so it sounds so silly, but I do. It's why I do the long nights. I'm gonna be honest. I've been here for twelve hours already. Yep. And I'll be here for a couple more, and that's okay. Yep. Oh, Fabian. Yeah. Yeah. Fabian's great. Well, we don't like him anyway, so that's okay. Oh, perfect. Well, I will get cracking with this and start getting a plan together, and then I'll speak to you in a couple of days. If there's any issues I have or if I run into any roadblocks or I can't get things turned around, I'll I'll just let you know on Thursday if we need to delay the advice, but I should be good. I don't think no. Good. No. I don't think I should have any issues, but I'll give you a call if I do. That's okay. Go and have a great night. You're home by the sounds of it, so go and enjoy it. No. Go, my love. We'll speak soon. 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did we go? Or Felder? Figured I'd give you a couple extra minutes. Oh, I've I've pushed my car to the limit way more than I normally do lately too. No.\n\nI know. Every time I do it, my husband turns around and goes, you're an idiot. Like, yeah. But I just didn't want to, and they were expensive. I know.\n\nFrom the through it. I know. I know. I'm a mechanic's daughter, so trust me. I know.\n\nAnd yet we still do. Anyway, where were we? No. Don't apologize. Absolutely fine.\n\nI've got to grab a drink of water, pop up to the loo, so I was I was happiest. Okay. So currently yeah. With regards to that, that's where we fit, so that's fine. And you said that you're just taking care of it through heat packs and Voltara and stuff like that, Pedal.\n\nSo that's okay there. Right. No. Absolutely. Now I wanted to ask, previously, did you ever have you ever been through an application for insurance, or did you like, have you applied?\n\nYou've never applied to alright. That's good. Mhmm. Yep. Yeah.\n\nSee, I right. Because so so, like, to to to break it down 100%, you can be declined cover from a provider. All that happens is you're declined. If you ever go and apply for cover in the future, you have to notify that that new provider that you were declined for cover. It's it's not the end of the world.\n\nThe biggest part is is that, like, unless you've had suicidy suicidal ideation or suicidal attempts, you're not gonna get declined based on mental health. So I don't know why that broker was saying no. Yeah. Unless he was specifically like, he was just pushing a comm product, and at the time, okay, and at the time, CommWell may have had just a a bit of a because they don't get me wrong. There was a period of time, specifically during COVID and post COVID for about twelve months or so, where providers were getting really tight lipped about any mental health, because there was a lot more cases that were coming out because we were locked inside, stuff like that, but other ah, good.\n\nYep. That's close. It's sort of you know? That's basically twenty years ago. Nah.\n\nThat's, you know, like, thirteen years ago. Same thing. Okay. And you have a a life a life insurance policy trauma policy with AIA? Yep.\n\nIs does that have any exclusions, loadings, anything? Nothing. Okay. Cool. Yes.\n\nYeah. You have the the UniSuper. Yeah. No. That's okay.\n\nThe the other adviser. Yep. Yes and no. Like, yes. Yeah.\n\nYeah. I think I think that's probably where things fit more so. Like, the so the policy you have inside your uni super is a life and a TPD or a total permanent disability. You can't you can't have the total permanent disability without the life in your super fund. The way it's structured, it has to stay like that.\n\nThey're attached to each other. It means it means it's cheaper as well. You only pay $315 an annum for that for the the two policies. So that's happy days. It's not overly expensive.\n\nIt's there. It's only two $118,000. Don't get me wrong. It's not gonna pay the debt off from our mortgage, but that plus your superannuation balance, you get pretty close to paying this your your mortgage off. And then theoretically, right this second, if something happens, you'd have center link income to live off.\n\nNot the greatest outcome, but you're not you know, it's it's not awful. The AIA policy is probably the biggest question mark. Sorry. What were you gonna say? No.\n\nAnd and we wanna we wanna the whole point of insurance is the same same reason why we insure our cars, we insure our house, is because if that thing happens, we wanna have that contingency plan, and that's what the insurance policy is there for. If you were never able to work again or you got sick or ill or injured, we wanna have a policy in place to protect you. It's it's not it's not the provider. It's not anything else. It's just the fact that you have a $1,200,000 worth of worth of life insurance.\n\nLike, it make it makes no sense why you have that much worth of life insurance. When Yeah. Yep. Yep. Cool.\n\nYeah. There's been a lot of acquisitions of light. Cool. So she's yes. Okay.\n\nThat's fine. Look. AIA are great. I've I use AIA. I've claimed through them before for clients.\n\nThey're they're in no way shape or form a bad provider. And you have so realistically, across the two policies, you have sort of 1,500,000.0 in life insurance. You have 218,000 in total permanent disability, and then you have the 143,000 in trauma. Now trauma policy pays out if you were to be diagnosed with your major medical traumas. So it's your heart attack, your cancer, your stroke, your neurological conditions.\n\nSo it it's completely different to what your PPD insurance covers because PPD means you have to meet the total and permanent definition, whereas your trauma policy pays out pretty immediately. And when I say immediately, within a couple of weeks upon the diagnosis of a one of those conditions. So if we did get cancer, god forbid, touch wood, we're covered from that point of view. So I have no qualms with that policy existing. I think I definitely wanna know a little bit about it.\n\nSo if you're able to find a like, the policy schedule for it. Fantastic. You did. I I wasn't sure. Perfect.\n\nNo. That's okay. I I didn't I didn't have an good. No. I I know that I had your super policy through.\n\nI just didn't see the AAA insurance, but I'll I'll have a chat to her and make sure that I get that. Yep. Yeah. Good. Cool.\n\nThat's good. Alright. Because what I'll do is I'll compare them against the market to see what we can do on the market, see where I can get that premium come down, have a have a look at the features that are obviously in that policy to make sure that I'm not cutting any features off, and see where we can go with respect to everything sitting there. Now one of the issues I saw on your account when I was running through everything was that your beneficiaries on your uni super, you've nominated your mom and your sister. They're actually nonvalid nominations.\n\nAs silly and stupid as it sounds, I know I know. And the super funds don't because they basically state that, well, we let you know that you have to read the legislation, and the legislation says it clearly. The legislation doesn't. The legislation's boring to read for any normal person. So superannuation legislation dictates that under it's the CIS Act, s I s, Act, that a valid beneficiary is a financial dependent, a child, a spouse.\n\nSo if mom and yeah. So if mom and sister are living with you, that's fine. But if not, it's not. Now don't get me wrong. What would happen if something happens to you tomorrow is that, basically, your your estate would settle.\n\nIt it would settle. It just it's gonna take longer for it to settle because the trust it's okay. I that's what I'm here to do, just to sort it all out. I have the issue all the time. Like, I have clients that try and leave it to their mates, and we can.\n\nWe can still give we can we can still make sure that mom and sister gets it. We can we can nominate all of the sisters if we want to. We don't have to pick one of them. We can pick none of them. We just have to do it through a will.\n\nAnd the good the cool thing yeah. The good thing about the will, it means that we can we can have the house taken care of as well. We can have the bank accounts taken care of. We can have the cars taken care of, and we we can we can look after all the assets that you own, whereas the beneficiary nomination just looks after the super funds. So we just ignore the beneficiary nomination.\n\nWe nominate what's called your legal personal representative, which is your estate, and I can help you take care of all of that from that point of view. I know you don't have a will yet, but I know it's on your to do list. If you're like me, it it's been on your to do list for a good decade or so. Stop it. Oh, yep.\n\nI I I have I have one as well. How old? My eldest is 13, and I got I bought a wheel kit, same thing, paid the the $30 or whatever it was at the time for it, and I still have it. Never used it. Haven't used it.\n\nWent and paid a thousand dollars to get one done up by a lawyer because I just realized that I was too lazy and I was never gonna get it done. And yeah. Oh, it's tiny. I know. It's ridiculous.\n\nI know. I know. It's an absolute pain. The good thing is is there are some online services that you can use these days, and your estate looks pretty simple. Like, we're not you know, we don't have any trusts or any companies or anything crazy like that.\n\nSo, yeah, we could probably just go through an online service if you don't wanna go sit with a lawyer or the the will kit if you eventually get around to doing it. Yeah. Cool. So I guess from the insurance point of view, what would we wanna cover? We obviously have the debt, so we wanna make sure that the the mortgage is paid off, and we're specifically focusing on on our disability covers.\n\nWe don't care about life insurance as you've already said. But from a from a disability point of view, you would want the the mortgage paid. So we can definitely take care of that. If you were never able to work again, you're young. And if I don't say say that you're young, then that means that I'm not young and that's gonna make me sad because I'm in I'm I'm only a few years behind you.\n\nSo so what what what would we wanna replace? We would do we wanna replace our income for a few good years so that way, you know, the mortgage is paid off and we can have income replacement still coming in so we're not central independent. Yeah. Okay. Perfect.\n\nSo I'll do the math on what that number looks like, and then I'm gonna start quoting and having a look. I will try like, I'll I'll look at cheap premiums, but good products. Okay? So I'm not gonna go off the cheap and nasty. I'm not gonna go off the most expensive.\n\nI'm not ever interested in doing that. I have never been an insurance pusher. I honestly I I I see the benefit. I've been in claims. I've done claims for the last half a decade of my of my career.\n\nI've been in the industry for for near near on a decade, and I've done specifically claims for five years. And in that five years, I definitely see the benefits of insurance, and I know that it's beneficial. But I am not anyone that's ever gonna push insurance to a degree that's more than what you would need. So I just wanna make sure that I've got my figures right. Income is a $100,000 a year.\n\nOur expenses are about $800 a week, and we put about $300 a week into savings, and our mortgage is costing us, 639 a week. Cool. Good to know. Now we're open to putting money into our superannuation from a bit of a tax minimization point of view. Cool.\n\nI can look at that from a point of view where we're gonna save. The money that we're putting into savings, so the $300 a week that we're putting into savings, what is that directed towards? Do we have a goal that we're we're utilizing that money for or anything that you're specifically doing? That's okay. Yep.\n\nYeah. Absolutely. Yep. Yeah. Yeah.\n\nCool. How much do you wanna get in that emergency fund? So we like, a $2, $5, $10 kind of emergency fund, girl. Yep. Okay.\n\nSo what I'll do is I'll factor that in to basically grow that. And then once that's once that's at the point, so, you know, x number of weeks at $300 a week, blah blah blah blah, get us our emergency fund, and we can go from there. With with tax minimization, I'm obviously just gonna do it to a capacity where we're not gonna lose too much of our income because, obviously, any money that we put into our superannuation fund is gonna be locked away. We're not gonna be able to touch it till we retire. So I don't wanna be going and throwing $300 a week in there.\n\nAnd I just wanna be clear. That's not that's not the outcome. Yeah. Absolutely. But I wanna make sure that we can still get that emergency fund banked up first and look at look at how, yeah, how that would work.\n\nBecause I wanna you know, having an emergency fund is important. Even when I was, you know, 16, 17, 18, I always kept a couple of grand for an emergency. I remember I remember having to I know. I know. My mother taught me.\n\nMy mother taught me well. And and life happens. Yeah. Yep. Beautiful.\n\nOh, good. And and and it happens. Like, school doesn't teach you. If our parents don't know, they only teach what they know. So it becomes hard.\n\nIt is hard. On the topic of parents, I know we have a number of siblings, which is great. Again, love a good sisterhood. But are we looking at any kind of wealth transfer? Did mom and dad have any money behind them?\n\nIs there something that I need to factor in from that point of view? Are mom and dad still young, still going? Yep. Get it, mom. Yes.\n\nShe is. Beautiful. Yep. Okay. Yep.\n\nThat's okay. Alright. So the only asset transfer that we'd be looking at is is the house. Do we that's fine. That that's okay.\n\nSo that will happen when it happens, and that's something we can factor in when things happen. And, obviously, depending on how mom wants that asset to go, whether it gets divided between you and your siblings or whether, you know, between yeah. And then depending on how you guys wanna want that to operate, you guys might decide to keep it and have it as an investment property. You might decide to sell it. Cool.\n\nWe're selling it. Absolutely. Cool. So that that means that, you know, we'll we can deal with that when it comes. It's something I always like to kind of have as a topic with conversation with any kind of potential client because there is a massive wealth transfer that will happen over the next twenty years plus thirty years.\n\nSo it's always something good to consider as to what happens at that point. Obviously, we can't factor it in, but, you know, when and if that unfortunately does happen, we know it's always inevitable. But when it does happen, we'll we can cross that bridge at that time, and we can have a discussion about it all. Yeah. Yeah.\n\nYep. Yep. Yeah. You you do. Look where are we getting there?\n\nIt's really sort of that $300,000 mark is kind of where you wanna be at. And we can definitely look at bridging into an SMSS because that's what you're talking about as a self managed super fund. That's the only way that we can buy a property. We can definitely look at doing that when we hit that bridge. Or, alternatively, if you wanna keep the asset held personally because the the restriction is that if you own if you own the property through a self managed super fund, you have to have an arm's length, which means that you can't live in it.\n\nYou can't yeah. Yeah. But what can happen is when we retire, that property meets a condition of release, and you could actually move into that property at retirement. So there is still ways that you can through asset transfer and stuff like that, but we just need to really consider how that would look for you if we did that at, you know, looking at, you know, where you wanna buy prices and stuff like that. The reason it's towards 300,000, while you can do it at 200,000, it means that you are pretty much, like, bang on being able to, you know, service or not service.\n\nSo it becomes really, really hard to service a property when the only asset you have is the property. If any of your, you know, tenants move out and you have a couple of week gap, it becomes really difficult from a cash holding point of view in being able to service the property ongoing. So having that little bit more three to three fifty gives you that bit of a a bridge to be able to actually service the property and, you know, have the cash flow to do everything you need to do with an investment property. You know, you still have all the overheads. So we can focus on that as a, you know, a a goal for you.\n\nAlternatively, you know, equity within your property could also see you being able to purchase it personally. Yeah. Cool. Yeah. Equity, buy again.\n\nAnd I could see you basically buying maybe a property for you while you rent this one out. So, like, the your current property out. So that's, yeah, definitely something we can kinda look at from that point of view as well. Okay. So what I will do from here is I'm gonna go and research everything.\n\nSo I'm gonna go and have a look at the insurance side of things. That's gonna be conversation I have to have tomorrow with my insurers. I'm pretty honestly confident that we're gonna be fine, but it's always something that I like to, you know, engage the insurers just if I'm dealing with multi, you know, health issues. But I I I I I'd be again, ten years, I don't really have too much of an issue. We will be looking into mental health.\n\nWe will be looking at a back exclusion. Gonna be open and honest about that, but I'm gonna go and still ask the question. The perimenopause preventative is not concerned about it. That's fine. I'll have a look at where my insurers sit, which one's best option from a features point of view, where they sit for your occupation, and what happens there, your in a sedentary job, so happy days.\n\nThere's not gonna be anything too crazy from that point of view. I think the the the biggest part is just where it falls cost wise, how much we're gonna insure you for, and I'll run all those figures. And then I'll have a look at your superannuation fund seeing where we can move from, you know, an investment point of view, seeing how we can invest you to get a little bit better of an a compounding growth. You did come up as a, you know, pretty aggressive investor, which is fantastic. So we can definitely look at yeah.\n\nYeah. So the the there there's really obscure questions about investing. You you came out of you came out of you know, not you you came out as quite an aggressive investor. Like, you're happy to take risk. You're you're happy to, you know, take on a loan to get a property to to to invest.\n\nYou, you know, you wanna see growth out of your out of your out of your investment. You're not looking to be conservative yet. You're not looking to to to wind down. We're not, you know, closing our eyes and taking a nap and ready to retire. We're still kicking.\n\nWe're still going. So that means that we can take that that perseverance and keep going with it. Because the longer we're in the market, the better outcome we have, and we still got a good nearly thirty years. So we can definitely start using that and get that all happening from that point of view. I think that the the biggest or the the best thing to do is just to sort of look at, obviously, conservative value based assets that we invest in.\n\nWe're not gonna go risky assets. We're not gonna go, you know, new start up businesses or anything like that. We're not gonna stock trade. We're gonna look at robust diversification. So means that we're gonna make sure that we invest across the market so that way if there is a dip, a turn, or whatever the case may be, that we have a really good market section so we're not gonna, you know, drop out and and lose all of our money.\n\nWe wanna make sure that we're we're investing smart. We don't wanna be paying exorbitant fees. We wanna make sure that we're sitting really nicely in in a good portfolio that's gonna give us value. So I'll look at how to put that portfolio together for you to get us, like, a bit of an aggressive overlay. So investing more so in the market and less conservatively.\n\nAnd what I mean from investing more in the market and less conservatively is when it comes to investments, you cash is an investment. Right? It is actually an investment. You know, you it generates the cash rate. So, you know, money sitting in the bank each month, the bank pays you a little bit of an interest.\n\nIt is the most conservative investment you can pretty muchly get. Right? So whilst it doesn't. No. So whilst it is an investment, it's a very conservative investment.\n\nThere are other other investments along those lines you can get. Government bonds, bank bonds, you know, fixed interest products. They're all conservative investments. They generate kind of three to 5% return depending on what the investment is. Nothing crazy, nothing high, pretty conservative.\n\nThey can fall down depending on how the market's going, but sometimes they're there to cushion a a a a a portfolio. Probably gonna stay away from majority of those because you are someone that's willing to take a little bit more risk. But, again, conservative risk. Thought risk. We're not gonna, you know, go and throw it all in in all black and fingers crossed.\n\nNo. We don't either. So we focus on good solid blue stock companies. We we focus on good robust markets, and we look at long term investments. So whilst there can be volatility in the immediate, we're looking for the long term.\n\nOkay? And specifically because, you know, we we've got a couple good decades before we're looking to touch the money. We have the time to kind of weather those little storms that do happen. So I'll look at how to put all of this together, looking at some contribution strategies, looking at, you know, mixing up our our superannuation investments and looking at our insurance. I'm gonna look at our income protection, obviously, replacing our income.\n\nNow I wanna be clear that we can only replace our income up to 70%. So a $100,000, I'm only gonna be able to replace 70,000 of it per year. The products limit us to that. Is that okay? That's okay?\n\nSomething's better than nothing? Yeah. 100%. Let me know, and I can increase it from there. But I'll I'll start out with that, and then what I'll do is Fabian's booked us in to have a chat Thursday.\n\nAnd what what we're gonna do Thursday, we'll go through the advice that I put together over the next couple of days. Yep. Yep. So I I will look at UniSuper from an investment point of view. There are hundreds of of of of of super funds and thousands of investment options.\n\nSo for me to remember all of them, look, I'm good. For me to remember all of them, I don't. I I research because the research puts my money where where my my where my mouth is. I I look at UniSuper, and trust me, I've looked at it probably five times this week. But I look at UniSuper from a product point of view, from an investment offering point of view, from an historical performance, from a fees point of view to see where it's sitting.\n\nIs it you're sitting in a high growth investment structure, but if memory serves, their high growth isn't that invest isn't that aggressive. They don't really have an aggressive investment option. Their performance is not bad if memory serves again. But, again, I've looked at quite a number of super funds this week alone, and we're only on Tuesday. So their their their performance hasn't been bad, but if there's something we can do that's a little bit better, let's do it.\n\nWhen it comes to the yeah. Look. I could you could talk to five advisers and get five outcomes that are totally different. And the yeah. And the the out the outcomes will be similar but different.\n\nAnd it sometimes it's product. Like, look, AustralianSuper, UniSuper, they're all pretty much the same when it comes to industry funds. They're very limited in what they can offer you investment wise. The product is there specifically to limit what they offer to make it dirt cheap. But it also means that they bulk they bulk have everyone through.\n\nYou're a number, not a person. And that's why they don't care what you've nominated on your super funds as your beneficiary. Whereas what I do is I work with what's called a retail product that has thousands of investment offerings where I can purpose built portfolios for my clients, and I can invest in the ASX. I can invest in cryptocurrency adjacent products if I wanted to. I don't generally, but if I wanted to.\n\nI can invest in specific stock options if I wanted to. So if you you had a a a pent up need to invest in Tesla, we could invest in Tesla direct. There's options that I have that are available that aren't there under under an industry fund. And that's why an adviser can be more beneficial because we have options like that are that are available. Generally, the platform, they're all same same, but different.\n\nThey all do have different features and different options and and stuff like that, but a a retail products are very similar in the way that they offer, you know, the same kind of service through an adviser. It's the same as retail products. They're offering the the not retail. Sorry. Your industry funds are offering very much the same same service.\n\nA retail provider sorry. An industry provider like your UniSuper, your AustralianSuper, they're just offering cookie cutter made investment portfolios. There's absolutely nothing wrong with that and nothing wrong with that. I'm not gonna, you know, slam the industry funds because they've they've been doing it for decades, and they they do do a half decent job. But, again, you're not a personal per you're not a personalized person.\n\nYou're a number, and they're not giving you that personal service. I have client clients that try and retire by themselves. I have a client that I'm working with at the moment, pro bono. She's in her seventies, and she's trying to retire, and AustralianSuper has not helped her in any way, shape, or form. And I've sat down and done all the documents to help her get her retirement because AustralianSuper has rejected all of her retirement documents, and they won't help her on how on how to retire.\n\nAnd the whole point in why they're supposed to be there is to help, and they won't help her. And she is a 70 year old who has no idea how to computer. Possibly. Yeah. Yeah.\n\nSo the whole reason why I'm here and like I said at the beginning of our phone call, I'm one of those workaholic people. So I really enjoy doing what I do. It sounds so it sounds so silly, but I do. It's why I do the long nights. I'm gonna be honest.\n\nI've been here for twelve hours already. Yep. And I'll be here for a couple more, and that's okay. Yep. Oh, Fabian.\n\nYeah. Yeah. Fabian's great. Well, we don't like him anyway, so that's okay. Oh, perfect.\n\nWell, I will get cracking with this and start getting a plan together, and then I'll speak to you in a couple of days. If there's any issues I have or if I run into any roadblocks or I can't get things turned around, I'll I'll just let you know on Thursday if we need to delay the advice, but I should be good. I don't think no. Good. No.\n\nI don't think I should have any issues, but I'll give you a call if I do. That's okay. Go and have a great night. You're home by the sounds of it, so go and enjoy it. No.\n\nGo, my love. We'll speak soon. Bye.","paragraphs":[{"sentences":[{"text":"How did we go?","start":3.12,"end":4.08,"sentiment":"neutral","sentiment_score":0.035592157393693924},{"text":"Or Felder?","start":4.08,"end":4.98,"sentiment":"neutral","sentiment_score":0.022945141419768333},{"text":"Figured I'd give you a couple extra minutes.","start":8.0,"end":9.78,"sentiment":"neutral","sentiment_score":0.02903875568881631},{"text":"Oh, I've I've pushed my car to the limit way more than I normally do lately too.","start":12.584999,"end":17.404999,"sentiment":"negative","sentiment_score":-0.37523289813714866},{"text":"No.","start":20.985,"end":21.465,"sentiment":"negative","sentiment_score":-0.5126808881759644}],"sentiment":"neutral","sentiment_score":-0.2022209749557078,"num_words":32,"start":3.12,"end":21.465},{"sentences":[{"text":"I know.","start":21.465,"end":22.105,"sentiment":"negative","sentiment_score":-0.44802723824977875},{"text":"Every time I do it, my husband turns around and goes, you're an idiot.","start":22.105,"end":25.244999,"sentiment":"negative","sentiment_score":-0.4887131814445768},{"text":"Like, yeah.","start":25.305,"end":26.105,"sentiment":"negative","sentiment_score":-0.35279689729213715},{"text":"But I just didn't want to, and they were expensive.","start":26.105,"end":29.21,"sentiment":"negative","sentiment_score":-0.5152877688407898},{"text":"I know.","start":32.71,"end":33.449997,"sentiment":"negative","sentiment_score":-0.47283561527729034}],"sentiment":"negative","sentiment_score":-0.48473939100901287,"num_words":30,"start":21.465,"end":33.449997},{"sentences":[{"text":"From the through it.","start":36.949997,"end":38.39,"sentiment":"neutral","sentiment_score":-0.23425883427262306},{"text":"I know.","start":38.39,"end":39.05,"sentiment":"neutral","sentiment_score":-0.16408534348011017},{"text":"I know.","start":39.11,"end":39.51,"sentiment":"neutral","sentiment_score":-0.1303626149892807},{"text":"I'm a mechanic's daughter, so trust me.","start":39.51,"end":41.51,"sentiment":"neutral","sentiment_score":-0.07239501657230514},{"text":"I know.","start":41.51,"end":42.17,"sentiment":"neutral","sentiment_score":-0.0656585805118084}],"sentiment":"neutral","sentiment_score":-0.12729491359170744,"num_words":17,"start":36.949997,"end":42.17},{"sentences":[{"text":"And yet we still do.","start":44.425003,"end":45.805,"sentiment":"neutral","sentiment_score":-0.08110420852899551},{"text":"Anyway, where were we?","start":46.585,"end":49.325,"sentiment":"neutral","sentiment_score":-0.029338826425373554},{"text":"No.","start":49.865,"end":50.265,"sentiment":"neutral","sentiment_score":-0.06059911102056503},{"text":"Don't apologize.","start":50.265,"end":51.005,"sentiment":"neutral","sentiment_score":-0.053448617458343506},{"text":"Absolutely fine.","start":51.065002,"end":51.965,"sentiment":"positive","sentiment_score":0.36164531111717224}],"sentiment":"neutral","sentiment_score":0.0023512805679014753,"num_words":14,"start":44.425003,"end":51.965},{"sentences":[{"text":"I've got to grab a drink of water, pop up to the loo, so I was I was happiest.","start":52.425003,"end":56.205,"sentiment":"positive","sentiment_score":0.3814209307494916},{"text":"Okay.","start":57.71,"end":58.19,"sentiment":"neutral","sentiment_score":0.12492232024669649},{"text":"So currently yeah.","start":58.19,"end":60.35,"sentiment":"neutral","sentiment_score":0.13273700078328451},{"text":"With regards to that, that's where we fit, so that's fine.","start":60.35,"end":62.77,"sentiment":"neutral","sentiment_score":0.14316907321864908},{"text":"And you said that you're just taking care of it through heat packs and Voltara and stuff like that, Pedal.","start":63.15,"end":70.13,"sentiment":"neutral","sentiment_score":0.09932698383927345}],"sentiment":"neutral","sentiment_score":0.20984315720421295,"num_words":54,"start":52.425003,"end":70.13},{"sentences":[{"text":"So that's okay there.","start":70.585,"end":72.604996,"sentiment":"neutral","sentiment_score":0.06637820228934288},{"text":"Right.","start":74.265,"end":74.765,"sentiment":"neutral","sentiment_score":0.025609847158193588},{"text":"No.","start":74.825,"end":75.225,"sentiment":"neutral","sentiment_score":-0.01725429855287075},{"text":"Absolutely.","start":75.225,"end":75.725,"sentiment":"neutral","sentiment_score":0.010623060166835783},{"text":"Now I wanted to ask, previously, did you ever have you ever been through an application for insurance, or did you like, have you applied?","start":76.345,"end":85.829994,"sentiment":"neutral","sentiment_score":-0.030886185392737388}],"sentiment":"neutral","sentiment_score":-0.015239475527778268,"num_words":32,"start":70.585,"end":85.829994},{"sentences":[{"text":"You've never applied to alright.","start":85.829994,"end":88.71,"sentiment":"neutral","sentiment_score":-0.06068498753011227},{"text":"That's good.","start":88.71,"end":89.53,"sentiment":"neutral","sentiment_score":0.09779055416584015},{"text":"Mhmm.","start":105.284996,"end":105.524994,"sentiment":"neutral","sentiment_score":-0.04312922433018685},{"text":"Yep.","start":105.524994,"end":106.024994,"sentiment":"neutral","sentiment_score":-0.08103622496128082},{"text":"Yeah.","start":134.61,"end":135.11,"sentiment":"neutral","sentiment_score":-0.0671369656920433}],"sentiment":"neutral","sentiment_score":-0.0299146244302392,"num_words":10,"start":85.829994,"end":135.11},{"sentences":[{"text":"See, I right.","start":138.85,"end":141.73,"sentiment":"neutral","sentiment_score":-0.12926731258630753},{"text":"Because so so, like, to to to break it down 100%, you can be declined cover from a provider.","start":141.73,"end":148.995,"sentiment":"neutral","sentiment_score":-0.019384798740870075},{"text":"All that happens is you're declined.","start":149.215,"end":150.755,"sentiment":"neutral","sentiment_score":-0.01735160748163859},{"text":"If you ever go and apply for cover in the future, you have to notify that that new provider that you were declined for cover.","start":150.895,"end":156.595,"sentiment":"neutral","sentiment_score":-0.03338973954319954},{"text":"It's it's not the end of the world.","start":156.97499,"end":158.83499,"sentiment":"neutral","sentiment_score":-0.158111370052211}],"sentiment":"neutral","sentiment_score":-0.0485222493069338,"num_words":61,"start":138.85,"end":158.83499},{"sentences":[{"text":"The biggest part is is that, like, unless you've had suicidy suicidal ideation or suicidal attempts, you're not gonna get declined based on mental health.","start":159.39,"end":172.61,"sentiment":"neutral","sentiment_score":-0.1826312068849802},{"text":"So I don't know why that broker was saying no.","start":173.955,"end":181.33499,"sentiment":"neutral","sentiment_score":-0.08753234446048737},{"text":"Yeah.","start":181.795,"end":182.295,"sentiment":"neutral","sentiment_score":-0.056265439838171005},{"text":"Unless he was specifically like, he was just pushing a comm product, and at the time, okay, and at the time, CommWell may have had just a a bit of a because they don't get me wrong.","start":182.355,"end":193.97,"sentiment":"neutral","sentiment_score":-0.09061637938626714},{"text":"There was a period of time, specifically during COVID and post COVID for about twelve months or so, where providers were getting really tight lipped about any mental health, because there was a lot more cases that were coming out because we were locked inside, stuff like that, but other ah, good.","start":193.97,"end":214.085,"sentiment":"neutral","sentiment_score":-0.16557270331451526}],"sentiment":"neutral","sentiment_score":-0.13967964532971383,"num_words":125,"start":159.39,"end":214.085},{"sentences":[{"text":"Yep.","start":238.915,"end":239.415,"sentiment":"neutral","sentiment_score":-0.035636115819215775},{"text":"That's close.","start":243.09,"end":244.05,"sentiment":"neutral","sentiment_score":-0.1272355392575264},{"text":"It's sort of you know?","start":244.05,"end":245.34999,"sentiment":"neutral","sentiment_score":-0.11670025736093521},{"text":"That's basically twenty years ago.","start":246.93,"end":248.37,"sentiment":"neutral","sentiment_score":-0.1098075732588768},{"text":"Nah.","start":248.37,"end":248.87,"sentiment":"neutral","sentiment_score":-0.06892551481723785}],"sentiment":"neutral","sentiment_score":-0.1065408473036119,"num_words":14,"start":238.915,"end":248.87},{"sentences":[{"text":"That's, you know, like, thirteen years ago.","start":248.93,"end":250.69,"sentiment":"neutral","sentiment_score":-0.05951071743454252},{"text":"Same thing.","start":250.69,"end":251.43,"sentiment":"neutral","sentiment_score":-0.03789763618260622},{"text":"Okay.","start":259.605,"end":260.105,"sentiment":"neutral","sentiment_score":-0.053442418575286865},{"text":"And you have a a life a life insurance policy trauma policy with AIA?","start":260.805,"end":267.865,"sentiment":"neutral","sentiment_score":-0.05287004169076681},{"text":"Yep.","start":269.8,"end":270.3,"sentiment":"neutral","sentiment_score":-0.011458197608590126}],"sentiment":"neutral","sentiment_score":-0.0518980597704649,"num_words":25,"start":248.93,"end":270.3},{"sentences":[{"text":"Is does that have any exclusions, loadings, anything?","start":270.52,"end":273.26,"sentiment":"neutral","sentiment_score":-0.06707901181653142},{"text":"Nothing.","start":274.12,"end":274.6,"sentiment":"neutral","sentiment_score":-0.07931122183799744},{"text":"Okay.","start":274.6,"end":275.1,"sentiment":"neutral","sentiment_score":0.028953546658158302},{"text":"Cool.","start":275.72,"end":276.22,"sentiment":"neutral","sentiment_score":0.08320239186286926},{"text":"Yes.","start":279.88,"end":280.28,"sentiment":"neutral","sentiment_score":0.05940175801515579}],"sentiment":"neutral","sentiment_score":-0.03703213498617212,"num_words":12,"start":270.52,"end":280.28},{"sentences":[{"text":"Yeah.","start":280.28,"end":280.52,"sentiment":"neutral","sentiment_score":0.012402648106217384},{"text":"You have the the UniSuper.","start":280.52,"end":286.275,"sentiment":"neutral","sentiment_score":-0.03535705283284187},{"text":"Yeah.","start":290.735,"end":291.13498,"sentiment":"neutral","sentiment_score":-0.05553661286830902},{"text":"No.","start":291.13498,"end":291.29498,"sentiment":"neutral","sentiment_score":-0.1497352570295334},{"text":"That's okay.","start":291.29498,"end":291.935,"sentiment":"neutral","sentiment_score":-0.08922570198774338}],"sentiment":"neutral","sentiment_score":-0.05481058899313211,"num_words":10,"start":280.28,"end":291.935},{"sentences":[{"text":"The the other adviser.","start":291.935,"end":293.055,"sentiment":"neutral","sentiment_score":-0.09464924223721027},{"text":"Yep.","start":293.055,"end":293.555,"sentiment":"neutral","sentiment_score":-0.06593671441078186},{"text":"Yes and no.","start":308.60498,"end":309.585,"sentiment":"neutral","sentiment_score":-0.2158058782418569},{"text":"Like, yes.","start":313.565,"end":316.285,"sentiment":"neutral","sentiment_score":-0.2527736723423004},{"text":"Yeah.","start":316.285,"end":316.785,"sentiment":"neutral","sentiment_score":-0.15143631398677826}],"sentiment":"neutral","sentiment_score":-0.15899408879605206,"num_words":11,"start":291.935,"end":316.785},{"sentences":[{"text":"Yeah.","start":317.82,"end":318.32,"sentiment":"neutral","sentiment_score":-0.178935706615448},{"text":"I think I think that's probably where things fit more so.","start":323.82,"end":326.72,"sentiment":"neutral","sentiment_score":-0.2080280970443379},{"text":"Like, the so the policy you have inside your uni super is a life and a TPD or a total permanent disability.","start":326.78,"end":332.235,"sentiment":"neutral","sentiment_score":-0.019933023490011692},{"text":"You can't you can't have the total permanent disability without the life in your super fund.","start":332.47498,"end":336.495,"sentiment":"neutral","sentiment_score":-0.02358873072080314},{"text":"The way it's structured, it has to stay like that.","start":336.555,"end":338.555,"sentiment":"neutral","sentiment_score":0.05841201245784759}],"sentiment":"neutral","sentiment_score":-0.0449845142972966,"num_words":60,"start":317.82,"end":338.555},{"sentences":[{"text":"They're attached to each other.","start":338.555,"end":339.85498,"sentiment":"neutral","sentiment_score":0.0723813496530056},{"text":"It means it means it's cheaper as well.","start":340.31497,"end":341.91498,"sentiment":"neutral","sentiment_score":0.16468754038214684},{"text":"You only pay $315 an annum for that for the the two policies.","start":341.91498,"end":345.935,"sentiment":"neutral","sentiment_score":0.1768793618449798},{"text":"So that's happy days.","start":347.34,"end":348.46,"sentiment":"positive","sentiment_score":0.4109925106167793},{"text":"It's not overly expensive.","start":348.46,"end":349.82,"sentiment":"neutral","sentiment_score":0.03328544646501541}],"sentiment":"neutral","sentiment_score":0.1692926648127682,"num_words":34,"start":338.555,"end":349.82},{"sentences":[{"text":"It's there.","start":349.82,"end":350.54,"sentiment":"neutral","sentiment_score":-0.014765206724405289},{"text":"It's only two $118,000.","start":350.54,"end":352.30002,"sentiment":"neutral","sentiment_score":0.005839208140969276},{"text":"Don't get me wrong.","start":352.30002,"end":353.02002,"sentiment":"neutral","sentiment_score":0.007593267364427447},{"text":"It's not gonna pay the debt off from our mortgage, but that plus your superannuation balance, you get pretty close to paying this your your mortgage off.","start":353.02002,"end":363.975,"sentiment":"neutral","sentiment_score":0.07019856599745927},{"text":"And then theoretically, right this second, if something happens, you'd have center link income to live off.","start":364.51498,"end":370.29498,"sentiment":"neutral","sentiment_score":0.04041556707199882}],"sentiment":"neutral","sentiment_score":0.04827084093941031,"num_words":54,"start":349.82,"end":370.29498},{"sentences":[{"text":"Not the greatest outcome, but you're not you know, it's it's not awful.","start":370.435,"end":375.255,"sentiment":"neutral","sentiment_score":-0.1078411373667992},{"text":"The AIA policy is probably the biggest question mark.","start":378.09998,"end":381.53998,"sentiment":"neutral","sentiment_score":-0.2732545915577147},{"text":"Sorry.","start":381.53998,"end":381.78,"sentiment":"neutral","sentiment_score":-0.19674432277679443},{"text":"What were you gonna say?","start":381.78,"end":382.91998,"sentiment":"neutral","sentiment_score":-0.11616630554199218},{"text":"No.","start":391.23502,"end":391.555,"sentiment":"neutral","sentiment_score":0.005607627332210541}],"sentiment":"neutral","sentiment_score":-0.15976532182559885,"num_words":29,"start":370.435,"end":391.555},{"sentences":[{"text":"And and we wanna we wanna the whole point of insurance is the same same reason why we insure our cars, we insure our house, is because if that thing happens, we wanna have that contingency plan, and that's what the insurance policy is there for.","start":391.555,"end":404.31998,"sentiment":"neutral","sentiment_score":0.07452394456967064},{"text":"If you were never able to work again or you got sick or ill or injured, we wanna have a policy in place to protect you.","start":404.31998,"end":411.06,"sentiment":"neutral","sentiment_score":0.003815964150887269},{"text":"It's it's not it's not the provider.","start":415.775,"end":417.45502,"sentiment":"neutral","sentiment_score":-0.24772769212722778},{"text":"It's not anything else.","start":417.45502,"end":418.495,"sentiment":"neutral","sentiment_score":-0.19536373391747475},{"text":"It's just the fact that you have a $1,200,000 worth of worth of life insurance.","start":418.495,"end":423.075,"sentiment":"neutral","sentiment_score":-0.18904219468434652}],"sentiment":"neutral","sentiment_score":-0.018610869211201767,"num_words":98,"start":391.555,"end":423.075},{"sentences":[{"text":"Like, it make it makes no sense why you have that much worth of life insurance.","start":427.71,"end":432.37,"sentiment":"neutral","sentiment_score":-0.3331403210759163},{"text":"When Yeah.","start":434.27,"end":437.65,"sentiment":"neutral","sentiment_score":-0.013272884767502546},{"text":"Yep.","start":449.005,"end":449.505,"sentiment":"neutral","sentiment_score":0.01305278018116951},{"text":"Yep.","start":452.22,"end":452.72,"sentiment":"neutral","sentiment_score":0.06234259530901909},{"text":"Cool.","start":453.9,"end":454.22,"sentiment":"neutral","sentiment_score":0.155379518866539}],"sentiment":"neutral","sentiment_score":-0.24409600059013992,"num_words":21,"start":427.71,"end":454.22},{"sentences":[{"text":"Yeah.","start":454.22,"end":454.53998,"sentiment":"neutral","sentiment_score":0.07483647018671036},{"text":"There's been a lot of acquisitions of light.","start":454.53998,"end":456.87997,"sentiment":"neutral","sentiment_score":0.01401630719192326},{"text":"Cool.","start":458.86,"end":459.34,"sentiment":"neutral","sentiment_score":0.18315359950065613},{"text":"So she's yes.","start":459.34,"end":464.015,"sentiment":"neutral","sentiment_score":0.11416357755661011},{"text":"Okay.","start":464.075,"end":464.575,"sentiment":"neutral","sentiment_score":0.12806373834609985}],"sentiment":"neutral","sentiment_score":0.06004821415990591,"num_words":14,"start":454.22,"end":464.575},{"sentences":[{"text":"That's fine.","start":464.795,"end":465.515,"sentiment":"neutral","sentiment_score":0.17431291937828064},{"text":"Look.","start":465.515,"end":465.915,"sentiment":"positive","sentiment_score":0.3510022461414337},{"text":"AIA are great.","start":465.915,"end":466.555,"sentiment":"positive","sentiment_score":0.4501081506411235},{"text":"I've I use AIA.","start":466.555,"end":467.595,"sentiment":"neutral","sentiment_score":0.12120909802615643},{"text":"I've claimed through them before for clients.","start":467.595,"end":469.935,"sentiment":"neutral","sentiment_score":0.03776903823018074}],"sentiment":"neutral","sentiment_score":0.1646571880316033,"num_words":17,"start":464.795,"end":469.935},{"sentences":[{"text":"They're they're in no way shape or form a bad provider.","start":470.795,"end":472.95502,"sentiment":"neutral","sentiment_score":-0.30463776805184106},{"text":"And you have so realistically, across the two policies, you have sort of 1,500,000.0 in life insurance.","start":472.95502,"end":481.72,"sentiment":"neutral","sentiment_score":-0.1259137313155567},{"text":"You have 218,000 in total permanent disability, and then you have the 143,000 in trauma.","start":482.18,"end":488.44,"sentiment":"neutral","sentiment_score":-0.15431259001294773},{"text":"Now trauma policy pays out if you were to be diagnosed with your major medical traumas.","start":488.985,"end":494.82498,"sentiment":"neutral","sentiment_score":-0.17045994056388736},{"text":"So it's your heart attack, your cancer, your stroke, your neurological conditions.","start":494.82498,"end":499.805,"sentiment":"neutral","sentiment_score":-0.20266208859781423}],"sentiment":"neutral","sentiment_score":-0.18261326539894224,"num_words":71,"start":470.795,"end":499.805},{"sentences":[{"text":"So it it's completely different to what your PPD insurance covers because PPD means you have to meet the total and permanent definition, whereas your trauma policy pays out pretty immediately.","start":501.22998,"end":512.51,"sentiment":"neutral","sentiment_score":-0.08619873838559274},{"text":"And when I say immediately, within a couple of weeks upon the diagnosis of a one of those conditions.","start":512.51,"end":518.085,"sentiment":"neutral","sentiment_score":-0.038367306911631635},{"text":"So if we did get cancer, god forbid, touch wood, we're covered from that point of view.","start":518.705,"end":524.565,"sentiment":"neutral","sentiment_score":-0.11195263047428693},{"text":"So I have no qualms with that policy existing.","start":525.98505,"end":529.3,"sentiment":"neutral","sentiment_score":0.03735128603875637},{"text":"I think I definitely wanna know a little bit about it.","start":529.68,"end":533.44,"sentiment":"neutral","sentiment_score":0.15903973647139288}],"sentiment":"neutral","sentiment_score":-0.03699696280233476,"num_words":87,"start":501.22998,"end":533.44},{"sentences":[{"text":"So if you're able to find a like, the policy schedule for it.","start":533.44,"end":538.82,"sentiment":"neutral","sentiment_score":0.14709008313142335},{"text":"Fantastic.","start":541.755,"end":542.075,"sentiment":"positive","sentiment_score":0.6225852370262146},{"text":"You did.","start":542.075,"end":542.635,"sentiment":"positive","sentiment_score":0.461064875125885},{"text":"I I wasn't sure.","start":542.635,"end":543.85504,"sentiment":"neutral","sentiment_score":0.057414786890149117},{"text":"Perfect.","start":544.715,"end":545.215,"sentiment":"neutral","sentiment_score":0.17386052012443542}],"sentiment":"neutral","sentiment_score":0.18382884455578669,"num_words":21,"start":533.44,"end":545.215},{"sentences":[{"text":"No.","start":545.275,"end":545.515,"sentiment":"neutral","sentiment_score":-0.02737848460674286},{"text":"That's okay.","start":545.515,"end":546.335,"sentiment":"neutral","sentiment_score":-0.0305135827511549},{"text":"I I didn't I didn't have an good.","start":546.555,"end":549.195,"sentiment":"neutral","sentiment_score":0.004325250629335642},{"text":"No.","start":549.195,"end":549.59503,"sentiment":"neutral","sentiment_score":-0.1124732345342636},{"text":"I I know that I had your super policy through.","start":549.59503,"end":552.015,"sentiment":"neutral","sentiment_score":-0.09781380631029606}],"sentiment":"neutral","sentiment_score":-0.05201886103234508,"num_words":22,"start":545.275,"end":552.015},{"sentences":[{"text":"I just didn't see the AAA insurance, but I'll I'll have a chat to her and make sure that I get that.","start":552.155,"end":557.64996,"sentiment":"neutral","sentiment_score":-0.08209324340251359},{"text":"Yep.","start":564.99,"end":565.49,"sentiment":"neutral","sentiment_score":-0.05592913553118706},{"text":"Yeah.","start":567.645,"end":568.145,"sentiment":"neutral","sentiment_score":0.005626515485346317},{"text":"Good.","start":570.525,"end":570.925,"sentiment":"neutral","sentiment_score":0.25151628255844116},{"text":"Cool.","start":570.925,"end":571.40497,"sentiment":"neutral","sentiment_score":0.3066191077232361}],"sentiment":"neutral","sentiment_score":-0.04993148402382548,"num_words":26,"start":552.155,"end":571.40497},{"sentences":[{"text":"That's good.","start":571.40497,"end":572.045,"sentiment":"neutral","sentiment_score":0.31824930012226105},{"text":"Alright.","start":572.045,"end":572.285,"sentiment":"neutral","sentiment_score":0.10882455110549928},{"text":"Because what I'll do is I'll compare them against the market to see what we can do on the market, see where I can get that premium come down, have a have a look at the features that are obviously in that policy to make sure that I'm not cutting any features off, and see where we can go with respect to everything sitting there.","start":572.285,"end":588.15,"sentiment":"neutral","sentiment_score":0.04462251376647216},{"text":"Now one of the issues I saw on your account when I was running through everything was that your beneficiaries on your uni super, you've nominated your mom and your sister.","start":588.37006,"end":598.555,"sentiment":"neutral","sentiment_score":-0.038203718921830575},{"text":"They're actually nonvalid nominations.","start":600.055,"end":601.915,"sentiment":"neutral","sentiment_score":-0.32492203265428543}],"sentiment":"neutral","sentiment_score":0.011279447854143901,"num_words":103,"start":571.40497,"end":601.915},{"sentences":[{"text":"As silly and stupid as it sounds, I know I know.","start":602.615,"end":607.255,"sentiment":"neutral","sentiment_score":-0.27135972543196246},{"text":"And the super funds don't because they basically state that, well, we let you know that you have to read the legislation, and the legislation says it clearly.","start":607.255,"end":615.37006,"sentiment":"neutral","sentiment_score":-0.10634227815483298},{"text":"The legislation doesn't.","start":615.43005,"end":616.39,"sentiment":"neutral","sentiment_score":-0.14959768702586493},{"text":"The legislation's boring to read for any normal person.","start":616.39,"end":618.97003,"sentiment":"negative","sentiment_score":-0.7393029928207397},{"text":"So superannuation legislation dictates that under it's the CIS Act, s I s, Act, that a valid beneficiary is a financial dependent, a child, a spouse.","start":622.165,"end":635.45996,"sentiment":"neutral","sentiment_score":-0.12575036129699305}],"sentiment":"neutral","sentiment_score":-0.212137274782766,"num_words":77,"start":602.615,"end":635.45996},{"sentences":[{"text":"So if mom and yeah.","start":635.92,"end":642.16,"sentiment":"neutral","sentiment_score":-0.2904767796397209},{"text":"So if mom and sister are living with you, that's fine.","start":642.16,"end":646.57996,"sentiment":"neutral","sentiment_score":-0.2014471786943349},{"text":"But if not, it's not.","start":646.8,"end":647.92,"sentiment":"neutral","sentiment_score":-0.2630253404378891},{"text":"Now don't get me wrong.","start":647.92,"end":649.22,"sentiment":"neutral","sentiment_score":-0.15568434596061706},{"text":"What would happen if something happens to you tomorrow is that, basically, your your estate would settle.","start":649.41504,"end":655.09503,"sentiment":"neutral","sentiment_score":-0.18797516603680217}],"sentiment":"neutral","sentiment_score":-0.20831230508033619,"num_words":43,"start":635.92,"end":655.09503},{"sentences":[{"text":"It it would settle.","start":655.09503,"end":656.155,"sentiment":"neutral","sentiment_score":-0.23424015566706657},{"text":"It just it's gonna take longer for it to settle because the trust it's okay.","start":656.61505,"end":669.13,"sentiment":"negative","sentiment_score":-0.40244482656319935},{"text":"I that's what I'm here to do, just to sort it all out.","start":669.13,"end":672.35,"sentiment":"neutral","sentiment_score":-0.23228482214304116},{"text":"I have the issue all the time.","start":674.97504,"end":677.075,"sentiment":"negative","sentiment_score":-0.41699157868112835},{"text":"Like, I have clients that try and leave it to their mates, and we can.","start":677.135,"end":681.05505,"sentiment":"negative","sentiment_score":-0.35245986183484396}],"sentiment":"negative","sentiment_score":-0.33702175346789537,"num_words":54,"start":655.09503,"end":681.05505},{"sentences":[{"text":"We can still give we can we can still make sure that mom and sister gets it.","start":681.05505,"end":685.455,"sentiment":"neutral","sentiment_score":-0.2077121739001835},{"text":"We can we can nominate all of the sisters if we want to.","start":685.455,"end":688.17,"sentiment":"neutral","sentiment_score":0.10800656934197132},{"text":"We don't have to pick one of them.","start":688.17,"end":689.44995,"sentiment":"neutral","sentiment_score":-0.06496765837073326},{"text":"We can pick none of them.","start":689.44995,"end":690.99,"sentiment":"neutral","sentiment_score":-0.07299796616037686},{"text":"We just have to do it through a will.","start":691.52997,"end":693.38995,"sentiment":"neutral","sentiment_score":-0.0231516742044025}],"sentiment":"neutral","sentiment_score":-0.062134258238212114,"num_words":53,"start":681.05505,"end":693.38995},{"sentences":[{"text":"And the good the cool thing yeah.","start":693.93,"end":697.05,"sentiment":"neutral","sentiment_score":0.2454528659582138},{"text":"The good thing about the will, it means that we can we can have the house taken care of as well.","start":697.05,"end":701.47504,"sentiment":"positive","sentiment_score":0.42946481988543556},{"text":"We can have the bank accounts taken care of.","start":701.47504,"end":703.075,"sentiment":"positive","sentiment_score":0.3395782576666938},{"text":"We can have the cars taken care of, and we we can we can look after all the assets that you own, whereas the beneficiary nomination just looks after the super funds.","start":703.075,"end":711.955,"sentiment":"neutral","sentiment_score":0.22081384877674282},{"text":"So we just ignore the beneficiary nomination.","start":711.955,"end":713.79504,"sentiment":"neutral","sentiment_score":0.04797256525073733}],"sentiment":"neutral","sentiment_score":0.2788814041567476,"num_words":76,"start":693.93,"end":713.79504},{"sentences":[{"text":"We nominate what's called your legal personal representative, which is your estate, and I can help you take care of all of that from that point of view.","start":713.79504,"end":720.35,"sentiment":"neutral","sentiment_score":0.24700080656579562},{"text":"I know you don't have a will yet, but I know it's on your to do list.","start":720.35,"end":723.07,"sentiment":"neutral","sentiment_score":-0.0688616608214729},{"text":"If you're like me, it it's been on your to do list for a good decade or so.","start":723.07,"end":727.49,"sentiment":"neutral","sentiment_score":0.12453101740943061},{"text":"Stop it.","start":733.01495,"end":733.75494,"sentiment":"neutral","sentiment_score":0.0024324371479451656},{"text":"Oh, yep.","start":740.375,"end":741.175,"sentiment":"neutral","sentiment_score":0.029788744635879993}],"sentiment":"neutral","sentiment_score":0.12016977651962149,"num_words":67,"start":713.79504,"end":741.175},{"sentences":[{"text":"I I I have I have one as well.","start":741.175,"end":743.495,"sentiment":"neutral","sentiment_score":0.052241196441981524},{"text":"How old?","start":743.495,"end":744.15497,"sentiment":"neutral","sentiment_score":0.0008188188076019287},{"text":"My eldest is 13, and I got I bought a wheel kit, same thing, paid the the $30 or whatever it was at the time for it, and I still have it.","start":744.74,"end":752.42,"sentiment":"neutral","sentiment_score":0.008144188206642866},{"text":"Never used it.","start":752.42,"end":753.39996,"sentiment":"neutral","sentiment_score":-0.22333327432473501},{"text":"Haven't used it.","start":753.46,"end":754.02,"sentiment":"neutral","sentiment_score":-0.2549189825852712}],"sentiment":"neutral","sentiment_score":-0.014333353929069578,"num_words":49,"start":741.175,"end":754.02},{"sentences":[{"text":"Went and paid a thousand dollars to get one done up by a lawyer because I just realized that I was too lazy and I was never gonna get it done.","start":754.02,"end":759.46497,"sentiment":"negative","sentiment_score":-0.5255288529780603},{"text":"And yeah.","start":760.245,"end":760.985,"sentiment":"neutral","sentiment_score":-0.07131829112768173},{"text":"Oh, it's tiny.","start":763.125,"end":764.005,"sentiment":"negative","sentiment_score":-0.36689261595408124},{"text":"I know.","start":764.005,"end":764.40497,"sentiment":"neutral","sentiment_score":-0.3179341107606888},{"text":"It's ridiculous.","start":764.40497,"end":765.225,"sentiment":"negative","sentiment_score":-0.5388987213373184}],"sentiment":"negative","sentiment_score":-0.4812093634158373,"num_words":40,"start":754.02,"end":765.225},{"sentences":[{"text":"I know.","start":768.485,"end":769.14496,"sentiment":"negative","sentiment_score":-0.5322698950767517},{"text":"I know.","start":769.445,"end":770.185,"sentiment":"negative","sentiment_score":-0.4522858262062073},{"text":"It's an absolute pain.","start":770.245,"end":771.76495,"sentiment":"negative","sentiment_score":-0.6822677105665207},{"text":"The good thing is is there are some online services that you can use these days, and your estate looks pretty simple.","start":771.76495,"end":777.87,"sentiment":"neutral","sentiment_score":0.29687307233160193},{"text":"Like, we're not you know, we don't have any trusts or any companies or anything crazy like that.","start":777.87,"end":782.13,"sentiment":"neutral","sentiment_score":0.07714676960474914}],"sentiment":"neutral","sentiment_score":0.06711806581976514,"num_words":48,"start":768.485,"end":782.13},{"sentences":[{"text":"So, yeah, we could probably just go through an online service if you don't wanna go sit with a lawyer or the the will kit if you eventually get around to doing it.","start":782.43,"end":791.625,"sentiment":"neutral","sentiment_score":0.1207286584557909},{"text":"Yeah.","start":795.685,"end":796.185,"sentiment":"neutral","sentiment_score":0.1711156964302063},{"text":"Cool.","start":797.925,"end":798.40497,"sentiment":"neutral","sentiment_score":0.2270786464214325},{"text":"So I guess from the insurance point of view, what would we wanna cover?","start":798.40497,"end":803.14996,"sentiment":"neutral","sentiment_score":0.0363166867090123},{"text":"We obviously have the debt, so we wanna make sure that the the mortgage is paid off, and we're specifically focusing on on our disability covers.","start":804.00995,"end":811.85,"sentiment":"neutral","sentiment_score":0.015998325668848477}],"sentiment":"neutral","sentiment_score":0.07075506870945295,"num_words":75,"start":782.43,"end":811.85},{"sentences":[{"text":"We don't care about life insurance as you've already said.","start":811.85,"end":814.26996,"sentiment":"neutral","sentiment_score":-0.0460031358525157},{"text":"But from a from a disability point of view, you would want the the mortgage paid.","start":815.12994,"end":820.565,"sentiment":"neutral","sentiment_score":0.03629921656101942},{"text":"So we can definitely take care of that.","start":820.565,"end":822.085,"sentiment":"neutral","sentiment_score":0.1898768236860633},{"text":"If you were never able to work again, you're young.","start":822.085,"end":824.985,"sentiment":"negative","sentiment_score":-0.3722734361886978},{"text":"And if I don't say say that you're young, then that means that I'm not young and that's gonna make me sad because I'm in I'm I'm only a few years behind you.","start":826.005,"end":833.58,"sentiment":"negative","sentiment_score":-0.4609042437690677}],"sentiment":"neutral","sentiment_score":-0.2245818663678773,"num_words":77,"start":811.85,"end":833.58},{"sentences":[{"text":"So so what what what would we wanna replace?","start":835.24,"end":839.08,"sentiment":"neutral","sentiment_score":-0.07677747888697518},{"text":"We would do we wanna replace our income for a few good years so that way, you know, the mortgage is paid off and we can have income replacement still coming in so we're not central independent.","start":839.08,"end":847.40497,"sentiment":"neutral","sentiment_score":0.024738061468343477},{"text":"Yeah.","start":859.8,"end":860.3,"sentiment":"neutral","sentiment_score":0.014388763345777988},{"text":"Okay.","start":868.935,"end":869.435,"sentiment":"neutral","sentiment_score":0.19370165467262268},{"text":"Perfect.","start":869.895,"end":870.395,"sentiment":"positive","sentiment_score":0.4073140621185303}],"sentiment":"neutral","sentiment_score":0.017137049887405366,"num_words":49,"start":835.24,"end":870.395},{"sentences":[{"text":"So I'll do the math on what that number looks like, and then I'm gonna start quoting and having a look.","start":870.455,"end":874.955,"sentiment":"neutral","sentiment_score":0.16027121529692695},{"text":"I will try like, I'll I'll look at cheap premiums, but good products.","start":875.41504,"end":880.23505,"sentiment":"neutral","sentiment_score":0.07969856606079982},{"text":"Okay?","start":880.29504,"end":880.615,"sentiment":"neutral","sentiment_score":0.042035505175590515},{"text":"So I'm not gonna go off the cheap and nasty.","start":880.615,"end":882.29504,"sentiment":"neutral","sentiment_score":-0.30107129402458666},{"text":"I'm not gonna go off the most expensive.","start":882.29504,"end":883.81,"sentiment":"negative","sentiment_score":-0.39014244452118874}],"sentiment":"neutral","sentiment_score":-0.03184981341913061,"num_words":53,"start":870.455,"end":883.81},{"sentences":[{"text":"I'm not ever interested in doing that.","start":883.81,"end":885.49,"sentiment":"negative","sentiment_score":-0.5154248603752681},{"text":"I have never been an insurance pusher.","start":885.49,"end":888.55,"sentiment":"neutral","sentiment_score":-0.323431453534535},{"text":"I honestly I I I see the benefit.","start":888.61,"end":891.57,"sentiment":"neutral","sentiment_score":-0.028076617047190666},{"text":"I've been in claims.","start":891.57,"end":892.53,"sentiment":"neutral","sentiment_score":0.03925096848979592},{"text":"I've done claims for the last half a decade of my of my career.","start":892.53,"end":896.07,"sentiment":"neutral","sentiment_score":-0.010916849332196372}],"sentiment":"neutral","sentiment_score":-0.15231097876094282,"num_words":40,"start":883.81,"end":896.07},{"sentences":[{"text":"I've been in the industry for for near near on a decade, and I've done specifically claims for five years.","start":896.115,"end":902.615,"sentiment":"neutral","sentiment_score":0.04358557090163231},{"text":"And in that five years, I definitely see the benefits of insurance, and I know that it's beneficial.","start":903.075,"end":907.175,"sentiment":"neutral","sentiment_score":0.2540295446912448},{"text":"But I am not anyone that's ever gonna push insurance to a degree that's more than what you would need.","start":908.035,"end":914.57996,"sentiment":"negative","sentiment_score":-0.34639212153851984},{"text":"So I just wanna make sure that I've got my figures right.","start":916.56,"end":919.77997,"sentiment":"neutral","sentiment_score":0.02100225320706765},{"text":"Income is a $100,000 a year.","start":919.92,"end":922.1,"sentiment":"neutral","sentiment_score":0.037875691739221416}],"sentiment":"neutral","sentiment_score":-0.013214710781252697,"num_words":76,"start":896.115,"end":922.1},{"sentences":[{"text":"Our expenses are about $800 a week, and we put about $300 a week into savings, and our mortgage is costing us, 639 a week.","start":922.41504,"end":932.995,"sentiment":"neutral","sentiment_score":0.017038839384913445},{"text":"Cool.","start":935.63,"end":936.13,"sentiment":"positive","sentiment_score":0.4262041449546814},{"text":"Good to know.","start":936.35,"end":937.32996,"sentiment":"positive","sentiment_score":0.49714817603429157},{"text":"Now we're open to putting money into our superannuation from a bit of a tax minimization point of view.","start":937.79,"end":943.41,"sentiment":"positive","sentiment_score":0.3775823994686729},{"text":"Cool.","start":945.23,"end":945.73,"sentiment":"positive","sentiment_score":0.4713853895664215}],"sentiment":"neutral","sentiment_score":0.2038585844316653,"num_words":49,"start":922.41504,"end":945.73},{"sentences":[{"text":"I can look at that from a point of view where we're gonna save.","start":945.79,"end":948.43,"sentiment":"neutral","sentiment_score":0.3185392288225038},{"text":"The money that we're putting into savings, so the $300 a week that we're putting into savings, what is that directed towards?","start":948.43,"end":953.245,"sentiment":"neutral","sentiment_score":0.22049476646564223},{"text":"Do we have a goal that we're we're utilizing that money for or anything that you're specifically doing?","start":953.245,"end":959.42505,"sentiment":"neutral","sentiment_score":0.12989952746364805},{"text":"That's okay.","start":965.1,"end":965.92,"sentiment":"neutral","sentiment_score":0.32850566506385803},{"text":"Yep.","start":990.97003,"end":991.47003,"sentiment":"neutral","sentiment_score":0.09183159470558168}],"sentiment":"neutral","sentiment_score":0.21749944710417798,"num_words":57,"start":945.79,"end":991.47003},{"sentences":[{"text":"Yeah.","start":997.145,"end":997.645,"sentiment":"neutral","sentiment_score":0.047174979001283646},{"text":"Absolutely.","start":1002.505,"end":1002.905,"sentiment":"positive","sentiment_score":0.4616748690605163},{"text":"Yep.","start":1002.905,"end":1003.405,"sentiment":"neutral","sentiment_score":0.22254805266857147},{"text":"Yeah.","start":1007.705,"end":1008.205,"sentiment":"neutral","sentiment_score":0.1452382206916809},{"text":"Yeah.","start":1012.12,"end":1012.44,"sentiment":"neutral","sentiment_score":0.27539169788360596}],"sentiment":"neutral","sentiment_score":0.23040556386113167,"num_words":5,"start":997.145,"end":1012.44},{"sentences":[{"text":"Cool.","start":1012.44,"end":1012.92,"sentiment":"positive","sentiment_score":0.4540295600891114},{"text":"How much do you wanna get in that emergency fund?","start":1012.92,"end":1015.0,"sentiment":"neutral","sentiment_score":0.23181694000959396},{"text":"So we like, a $2, $5, $10 kind of emergency fund, girl.","start":1015.0,"end":1018.77997,"sentiment":"neutral","sentiment_score":0.2659037721653779},{"text":"Yep.","start":1027.095,"end":1027.255,"sentiment":"neutral","sentiment_score":0.2426675409078598},{"text":"Okay.","start":1027.255,"end":1027.735,"sentiment":"neutral","sentiment_score":0.23834413290023804}],"sentiment":"neutral","sentiment_score":0.25776223599910736,"num_words":25,"start":1012.44,"end":1027.735},{"sentences":[{"text":"So what I'll do is I'll factor that in to basically grow that.","start":1027.735,"end":1030.375,"sentiment":"neutral","sentiment_score":0.26607215175261867},{"text":"And then once that's once that's at the point, so, you know, x number of weeks at $300 a week, blah blah blah blah, get us our emergency fund, and we can go from there.","start":1030.375,"end":1038.38,"sentiment":"neutral","sentiment_score":0.11283526015135327},{"text":"With with tax minimization, I'm obviously just gonna do it to a capacity where we're not gonna lose too much of our income because, obviously, any money that we put into our superannuation fund is gonna be locked away.","start":1040.76,"end":1051.7051,"sentiment":"neutral","sentiment_score":0.0029528534087615134},{"text":"We're not gonna be able to touch it till we retire.","start":1051.7051,"end":1053.5651,"sentiment":"neutral","sentiment_score":-0.13547407632524316},{"text":"So I don't wanna be going and throwing $300 a week in there.","start":1053.7051,"end":1056.3451,"sentiment":"neutral","sentiment_score":-0.2730351543197265}],"sentiment":"neutral","sentiment_score":0.022375328966567444,"num_words":111,"start":1027.735,"end":1056.3451},{"sentences":[{"text":"And I just wanna be clear.","start":1056.3451,"end":1057.2251,"sentiment":"neutral","sentiment_score":-0.07776743732392788},{"text":"That's not that's not the outcome.","start":1057.2251,"end":1058.685,"sentiment":"neutral","sentiment_score":-0.14152855860690275},{"text":"Yeah.","start":1066.76,"end":1067.26,"sentiment":"neutral","sentiment_score":0.2752869427204132},{"text":"Absolutely.","start":1068.28,"end":1068.78,"sentiment":"neutral","sentiment_score":0.02745843678712845},{"text":"But I wanna make sure that we can still get that emergency fund banked up first and look at look at how, yeah, how that would work.","start":1069.0801,"end":1076.28,"sentiment":"neutral","sentiment_score":0.12336580676061136}],"sentiment":"neutral","sentiment_score":0.05653283381607474,"num_words":41,"start":1056.3451,"end":1076.28},{"sentences":[{"text":"Because I wanna you know, having an emergency fund is important.","start":1076.28,"end":1078.8601,"sentiment":"neutral","sentiment_score":0.31156003881584515},{"text":"Even when I was, you know, 16, 17, 18, I always kept a couple of grand for an emergency.","start":1078.955,"end":1083.535,"sentiment":"neutral","sentiment_score":0.043489927229912656},{"text":"I remember I remember having to I know.","start":1083.755,"end":1087.295,"sentiment":"neutral","sentiment_score":-0.04329369845800102},{"text":"I know.","start":1087.435,"end":1088.075,"sentiment":"neutral","sentiment_score":-0.23639113456010818},{"text":"My mother taught me.","start":1088.075,"end":1089.035,"sentiment":"negative","sentiment_score":-0.4256989657878876}],"sentiment":"neutral","sentiment_score":0.03935321191833778,"num_words":44,"start":1076.28,"end":1089.035},{"sentences":[{"text":"My mother taught me well.","start":1089.035,"end":1090.335,"sentiment":"neutral","sentiment_score":-0.10341157019138336},{"text":"And and life happens.","start":1090.795,"end":1093.2799,"sentiment":"neutral","sentiment_score":-0.08130983635783195},{"text":"Yeah.","start":1097.1,"end":1097.6,"sentiment":"neutral","sentiment_score":-0.10051264613866806},{"text":"Yep.","start":1098.86,"end":1099.36,"sentiment":"neutral","sentiment_score":-0.02133345976471901},{"text":"Beautiful.","start":1109.295,"end":1109.795,"sentiment":"positive","sentiment_score":0.3847588300704956}],"sentiment":"neutral","sentiment_score":-0.04828203935176134,"num_words":12,"start":1089.035,"end":1109.795},{"sentences":[{"text":"Oh, good.","start":1112.015,"end":1112.835,"sentiment":"neutral","sentiment_score":0.22159674018621445},{"text":"And and and it happens.","start":1112.895,"end":1114.015,"sentiment":"neutral","sentiment_score":0.0941284254193306},{"text":"Like, school doesn't teach you.","start":1114.015,"end":1115.455,"sentiment":"neutral","sentiment_score":0.03131393864750862},{"text":"If our parents don't know, they only teach what they know.","start":1115.455,"end":1118.275,"sentiment":"neutral","sentiment_score":-0.05077440867369825},{"text":"So it becomes hard.","start":1118.39,"end":1119.6901,"sentiment":"neutral","sentiment_score":-0.0831698952242732}],"sentiment":"neutral","sentiment_score":0.006637304607364867,"num_words":27,"start":1112.015,"end":1119.6901},{"sentences":[{"text":"It is hard.","start":1119.75,"end":1120.7301,"sentiment":"neutral","sentiment_score":-0.23488305509090424},{"text":"On the topic of parents, I know we have a number of siblings, which is great.","start":1121.5901,"end":1126.0701,"sentiment":"neutral","sentiment_score":0.0696396236307919},{"text":"Again, love a good sisterhood.","start":1126.0701,"end":1127.6901,"sentiment":"neutral","sentiment_score":0.25260878801345826},{"text":"But are we looking at any kind of wealth transfer?","start":1129.1101,"end":1131.6101,"sentiment":"neutral","sentiment_score":-0.009000865183770657},{"text":"Did mom and dad have any money behind them?","start":1131.67,"end":1134.975,"sentiment":"neutral","sentiment_score":-0.038729507476091385}],"sentiment":"neutral","sentiment_score":0.028698942645691162,"num_words":43,"start":1119.75,"end":1134.975},{"sentences":[{"text":"Is there something that I need to factor in from that point of view?","start":1134.975,"end":1137.615,"sentiment":"neutral","sentiment_score":-0.01912304519542626},{"text":"Are mom and dad still young, still going?","start":1137.615,"end":1139.875,"sentiment":"neutral","sentiment_score":-0.049553328193724155},{"text":"Yep.","start":1145.7101,"end":1146.2101,"sentiment":"neutral","sentiment_score":0.0008428879082202911},{"text":"Get it, mom.","start":1149.31,"end":1150.29,"sentiment":"neutral","sentiment_score":0.1536574587225914},{"text":"Yes.","start":1151.2301,"end":1151.55,"sentiment":"neutral","sentiment_score":0.17202463746070862}],"sentiment":"neutral","sentiment_score":-0.0011225687684836211,"num_words":27,"start":1134.975,"end":1151.55},{"sentences":[{"text":"She is.","start":1151.55,"end":1152.2101,"sentiment":"neutral","sentiment_score":0.2951040416955948},{"text":"Beautiful.","start":1158.0449,"end":1158.5449,"sentiment":"positive","sentiment_score":0.37893128395080566},{"text":"Yep.","start":1162.2849,"end":1162.7849,"sentiment":"neutral","sentiment_score":0.046658582985401154},{"text":"Okay.","start":1168.205,"end":1168.705,"sentiment":"neutral","sentiment_score":0.012755258940160276},{"text":"Yep.","start":1169.1649,"end":1169.485,"sentiment":"neutral","sentiment_score":0.07104971259832382}],"sentiment":"neutral","sentiment_score":0.18326715364431342,"num_words":6,"start":1151.55,"end":1169.485},{"sentences":[{"text":"That's okay.","start":1169.485,"end":1170.205,"sentiment":"neutral","sentiment_score":0.12423084303736687},{"text":"Alright.","start":1170.205,"end":1170.5249,"sentiment":"neutral","sentiment_score":0.11736947298049928},{"text":"So the only asset transfer that we'd be looking at is is the house.","start":1170.5249,"end":1173.97,"sentiment":"neutral","sentiment_score":0.1006078917000975},{"text":"Do we that's fine.","start":1174.83,"end":1176.91,"sentiment":"neutral","sentiment_score":0.1296328604221344},{"text":"That that's okay.","start":1176.91,"end":1177.87,"sentiment":"neutral","sentiment_score":0.22364900012811026}],"sentiment":"neutral","sentiment_score":0.12349250353872776,"num_words":24,"start":1169.485,"end":1177.87},{"sentences":[{"text":"So that will happen when it happens, and that's something we can factor in when things happen.","start":1177.87,"end":1182.35,"sentiment":"neutral","sentiment_score":0.19873951550792246},{"text":"And, obviously, depending on how mom wants that asset to go, whether it gets divided between you and your siblings or whether, you know, between yeah.","start":1182.35,"end":1192.845,"sentiment":"neutral","sentiment_score":0.059142431853195794},{"text":"And then depending on how you guys wanna want that to operate, you guys might decide to keep it and have it as an investment property.","start":1192.845,"end":1199.1849,"sentiment":"neutral","sentiment_score":-0.02591610452733361},{"text":"You might decide to sell it.","start":1199.25,"end":1201.17,"sentiment":"neutral","sentiment_score":-0.08757118073602517},{"text":"Cool.","start":1201.17,"end":1201.41,"sentiment":"positive","sentiment_score":0.4412733018398285}],"sentiment":"neutral","sentiment_score":0.054714506467510214,"num_words":76,"start":1177.87,"end":1201.41},{"sentences":[{"text":"We're selling it.","start":1201.41,"end":1202.31,"sentiment":"neutral","sentiment_score":0.31030028065045673},{"text":"Absolutely.","start":1207.17,"end":1207.67,"sentiment":"positive","sentiment_score":0.48539239168167114},{"text":"Cool.","start":1208.45,"end":1208.95,"sentiment":"positive","sentiment_score":0.4623204469680786},{"text":"So that that means that, you know, we'll we can deal with that when it comes.","start":1209.09,"end":1212.915,"sentiment":"neutral","sentiment_score":0.29974482767283916},{"text":"It's something I always like to kind of have as a topic with conversation with any kind of potential client because there is a massive wealth transfer that will happen over the next twenty years plus thirty years.","start":1212.915,"end":1223.495,"sentiment":"neutral","sentiment_score":0.13492356691705554}],"sentiment":"neutral","sentiment_score":0.20002756722397724,"num_words":59,"start":1201.41,"end":1223.495},{"sentences":[{"text":"So it's always something good to consider as to what happens at that point.","start":1224.035,"end":1227.8151,"sentiment":"neutral","sentiment_score":0.1768114577446665},{"text":"Obviously, we can't factor it in, but, you know, when and if that unfortunately does happen, we know it's always inevitable.","start":1228.24,"end":1235.36,"sentiment":"neutral","sentiment_score":-0.11435087925444047},{"text":"But when it does happen, we'll we can cross that bridge at that time, and we can have a discussion about it all.","start":1235.36,"end":1241.265,"sentiment":"neutral","sentiment_score":0.10474192561662715},{"text":"Yeah.","start":1245.345,"end":1245.845,"sentiment":"neutral","sentiment_score":-0.06119538843631744},{"text":"Yeah.","start":1256.4099,"end":1256.9099,"sentiment":"neutral","sentiment_score":-0.15695834159851074}],"sentiment":"neutral","sentiment_score":0.037748375053827964,"num_words":60,"start":1224.035,"end":1256.9099},{"sentences":[{"text":"Yep.","start":1269.225,"end":1269.725,"sentiment":"neutral","sentiment_score":0.040133312344551086},{"text":"Yep.","start":1275.225,"end":1275.725,"sentiment":"neutral","sentiment_score":0.014517377130687237},{"text":"Yeah.","start":1298.055,"end":1298.455,"sentiment":"neutral","sentiment_score":0.04650220647454262},{"text":"You you do.","start":1298.455,"end":1299.755,"sentiment":"neutral","sentiment_score":0.03372435892621676},{"text":"Look where are we getting there?","start":1301.255,"end":1303.515,"sentiment":"neutral","sentiment_score":-0.0015155753741661708}],"sentiment":"neutral","sentiment_score":0.016102710040286183,"num_words":12,"start":1269.225,"end":1303.515},{"sentences":[{"text":"It's really sort of that $300,000 mark is kind of where you wanna be at.","start":1304.4501,"end":1310.87,"sentiment":"neutral","sentiment_score":0.02712763398885727},{"text":"And we can definitely look at bridging into an SMSS because that's what you're talking about as a self managed super fund.","start":1311.49,"end":1316.21,"sentiment":"neutral","sentiment_score":0.13948719948530197},{"text":"That's the only way that we can buy a property.","start":1316.21,"end":1318.15,"sentiment":"neutral","sentiment_score":0.08248242475092411},{"text":"We can definitely look at doing that when we hit that bridge.","start":1318.405,"end":1321.465,"sentiment":"positive","sentiment_score":0.4693189685543378},{"text":"Or, alternatively, if you wanna keep the asset held personally because the the restriction is that if you own if you own the property through a self managed super fund, you have to have an arm's length, which means that you can't live in it.","start":1322.005,"end":1334.98,"sentiment":"neutral","sentiment_score":-0.009653402616580327}],"sentiment":"neutral","sentiment_score":0.09132578510504502,"num_words":104,"start":1304.4501,"end":1334.98},{"sentences":[{"text":"You can't yeah.","start":1334.98,"end":1337.5599,"sentiment":"neutral","sentiment_score":0.03496660086481521},{"text":"Yeah.","start":1338.0199,"end":1338.5199,"sentiment":"neutral","sentiment_score":0.17219334840774536},{"text":"But what can happen is when we retire, that property meets a condition of release, and you could actually move into that property at retirement.","start":1338.82,"end":1347.24,"sentiment":"neutral","sentiment_score":0.2602085512876511},{"text":"So there is still ways that you can through asset transfer and stuff like that, but we just need to really consider how that would look for you if we did that at, you know, looking at, you know, where you wanna buy prices and stuff like that.","start":1349.385,"end":1362.9249,"sentiment":"neutral","sentiment_score":0.15496162930503488},{"text":"The reason it's towards 300,000, while you can do it at 200,000, it means that you are pretty much, like, bang on being able to, you know, service or not service.","start":1364.2401,"end":1373.38,"sentiment":"neutral","sentiment_score":-0.043425254583839445}],"sentiment":"neutral","sentiment_score":0.11920631710866776,"num_words":108,"start":1334.98,"end":1373.38},{"sentences":[{"text":"So it becomes really, really hard to service a property when the only asset you have is the property.","start":1374.3201,"end":1380.655,"sentiment":"neutral","sentiment_score":-0.24200615090759178},{"text":"If any of your, you know, tenants move out and you have a couple of week gap, it becomes really difficult from a cash holding point of view in being able to service the property ongoing.","start":1380.715,"end":1391.615,"sentiment":"neutral","sentiment_score":-0.1444885473077496},{"text":"So having that little bit more three to three fifty gives you that bit of a a bridge to be able to actually service the property and, you know, have the cash flow to do everything you need to do with an investment property.","start":1392.12,"end":1402.76,"sentiment":"neutral","sentiment_score":0.11731521488929336},{"text":"You know, you still have all the overheads.","start":1402.76,"end":1404.3,"sentiment":"neutral","sentiment_score":0.06923717493191361},{"text":"So we can focus on that as a, you know, a a goal for you.","start":1405.755,"end":1409.2151,"sentiment":"neutral","sentiment_score":0.2388527532418569}],"sentiment":"neutral","sentiment_score":-0.004107757517304577,"num_words":122,"start":1374.3201,"end":1409.2151},{"sentences":[{"text":"Alternatively, you know, equity within your property could also see you being able to purchase it personally.","start":1409.515,"end":1414.655,"sentiment":"neutral","sentiment_score":0.1893730417770498},{"text":"Yeah.","start":1419.7699,"end":1420.2699,"sentiment":"neutral","sentiment_score":0.21419592201709747},{"text":"Cool.","start":1424.8099,"end":1425.3099,"sentiment":"positive","sentiment_score":0.3733802437782288},{"text":"Yeah.","start":1425.37,"end":1425.87,"sentiment":"neutral","sentiment_score":0.2375524640083313},{"text":"Equity, buy again.","start":1426.1699,"end":1427.5499,"sentiment":"neutral","sentiment_score":0.2457075814406077}],"sentiment":"neutral","sentiment_score":0.2078953514928403,"num_words":23,"start":1409.515,"end":1427.5499},{"sentences":[{"text":"And I could see you basically buying maybe a property for you while you rent this one out.","start":1430.115,"end":1434.035,"sentiment":"neutral","sentiment_score":0.2853771621982257},{"text":"So, like, the your current property out.","start":1434.035,"end":1436.675,"sentiment":"neutral","sentiment_score":0.1532168196780341},{"text":"So that's, yeah, definitely something we can kinda look at from that point of view as well.","start":1436.675,"end":1440.6951,"sentiment":"neutral","sentiment_score":0.3291493601658765},{"text":"Okay.","start":1441.475,"end":1441.9551,"sentiment":"neutral","sentiment_score":0.17516908049583435},{"text":"So what I will do from here is I'm gonna go and research everything.","start":1441.9551,"end":1447.1599,"sentiment":"neutral","sentiment_score":0.21651081527982438}],"sentiment":"neutral","sentiment_score":0.26335379429030836,"num_words":57,"start":1430.115,"end":1447.1599},{"sentences":[{"text":"So I'm gonna go and have a look at the insurance side of things.","start":1447.22,"end":1450.1,"sentiment":"neutral","sentiment_score":0.14079962351492473},{"text":"That's gonna be conversation I have to have tomorrow with my insurers.","start":1450.1,"end":1453.0,"sentiment":"neutral","sentiment_score":0.20852040002743402},{"text":"I'm pretty honestly confident that we're gonna be fine, but it's always something that I like to, you know, engage the insurers just if I'm dealing with multi, you know, health issues.","start":1453.22,"end":1465.345,"sentiment":"neutral","sentiment_score":0.321803618920967},{"text":"But I I I I I'd be again, ten years, I don't really have too much of an issue.","start":1466.6849,"end":1470.5249,"sentiment":"neutral","sentiment_score":-0.22154411477477928},{"text":"We will be looking into mental health.","start":1470.5249,"end":1471.725,"sentiment":"neutral","sentiment_score":-0.2245213155235563}],"sentiment":"neutral","sentiment_score":0.10702580887646902,"num_words":84,"start":1447.22,"end":1471.725},{"sentences":[{"text":"We will be looking at a back exclusion.","start":1471.725,"end":1473.1849,"sentiment":"neutral","sentiment_score":-0.1925881076604128},{"text":"Gonna be open and honest about that, but I'm gonna go and still ask the question.","start":1473.27,"end":1476.9501,"sentiment":"neutral","sentiment_score":-0.00008491333574056625},{"text":"The perimenopause preventative is not concerned about it.","start":1476.9501,"end":1479.27,"sentiment":"neutral","sentiment_score":-0.046954539604485035},{"text":"That's fine.","start":1479.27,"end":1480.01,"sentiment":"neutral","sentiment_score":0.2385566160082817},{"text":"I'll have a look at where my insurers sit, which one's best option from a features point of view, where they sit for your occupation, and what happens there, your in a sedentary job, so happy days.","start":1480.87,"end":1492.495,"sentiment":"neutral","sentiment_score":0.1987468066650468}],"sentiment":"neutral","sentiment_score":0.08328232798777835,"num_words":71,"start":1471.725,"end":1492.495},{"sentences":[{"text":"There's not gonna be anything too crazy from that point of view.","start":1493.835,"end":1497.455,"sentiment":"neutral","sentiment_score":-0.026073556393384933},{"text":"I think the the the biggest part is just where it falls cost wise, how much we're gonna insure you for, and I'll run all those figures.","start":1498.475,"end":1505.4592,"sentiment":"neutral","sentiment_score":0.2528052147891786},{"text":"And then I'll have a look at your superannuation fund seeing where we can move from, you know, an investment point of view, seeing how we can invest you to get a little bit better of an a compounding growth.","start":1505.4592,"end":1516.07,"sentiment":"neutral","sentiment_score":0.172237272746861},{"text":"You did come up as a, you know, pretty aggressive investor, which is fantastic.","start":1517.155,"end":1521.175,"sentiment":"neutral","sentiment_score":0.27737332614404814},{"text":"So we can definitely look at yeah.","start":1521.875,"end":1523.795,"sentiment":"neutral","sentiment_score":0.21202688770634787}],"sentiment":"neutral","sentiment_score":0.18769763812422752,"num_words":100,"start":1493.835,"end":1523.795},{"sentences":[{"text":"Yeah.","start":1523.795,"end":1524.1951,"sentiment":"neutral","sentiment_score":0.06696842610836029},{"text":"So the the there there's really obscure questions about investing.","start":1524.1951,"end":1527.655,"sentiment":"neutral","sentiment_score":-0.01945553149562329},{"text":"You you came out of you came out of you know, not you you came out as quite an aggressive investor.","start":1528.675,"end":1532.93,"sentiment":"neutral","sentiment_score":-0.03044635323541505},{"text":"Like, you're happy to take risk.","start":1532.93,"end":1533.9701,"sentiment":"neutral","sentiment_score":0.19081134100755057},{"text":"You're you're happy to, you know, take on a loan to get a property to to to invest.","start":1533.9701,"end":1537.89,"sentiment":"neutral","sentiment_score":0.22889561030185884}],"sentiment":"neutral","sentiment_score":0.08032194151227097,"num_words":56,"start":1523.795,"end":1537.89},{"sentences":[{"text":"You, you know, you wanna see growth out of your out of your out of your investment.","start":1537.89,"end":1542.31,"sentiment":"neutral","sentiment_score":0.3320906854727689},{"text":"You're not looking to be conservative yet.","start":1542.53,"end":1544.2101,"sentiment":"neutral","sentiment_score":-0.07317412218877248},{"text":"You're not looking to to to wind down.","start":1544.2101,"end":1546.945,"sentiment":"neutral","sentiment_score":-0.10194787802174687},{"text":"We're not, you know, closing our eyes and taking a nap and ready to retire.","start":1546.945,"end":1550.065,"sentiment":"neutral","sentiment_score":-0.031263994177182515},{"text":"We're still kicking.","start":1550.065,"end":1550.865,"sentiment":"positive","sentiment_score":0.47187666098276776}],"sentiment":"neutral","sentiment_score":0.10528819687664509,"num_words":50,"start":1537.89,"end":1550.865},{"sentences":[{"text":"We're still going.","start":1550.865,"end":1551.765,"sentiment":"positive","sentiment_score":0.5433665712674459},{"text":"So that means that we can take that that perseverance and keep going with it.","start":1553.0249,"end":1558.05,"sentiment":"positive","sentiment_score":0.6728423555692037},{"text":"Because the longer we're in the market, the better outcome we have, and we still got a good nearly thirty years.","start":1558.05,"end":1563.5701,"sentiment":"positive","sentiment_score":0.6504871078899929},{"text":"So we can definitely start using that and get that all happening from that point of view.","start":1563.5701,"end":1569.27,"sentiment":"positive","sentiment_score":0.6602827696239247},{"text":"I think that the the biggest or the the best thing to do is just to sort of look at, obviously, conservative value based assets that we invest in.","start":1569.49,"end":1579.6151,"sentiment":"positive","sentiment_score":0.3391571445711728}],"sentiment":"positive","sentiment_score":0.5463921010494233,"num_words":85,"start":1550.865,"end":1579.6151},{"sentences":[{"text":"We're not gonna go risky assets.","start":1579.6151,"end":1581.135,"sentiment":"neutral","sentiment_score":0.008578712741533913},{"text":"We're not gonna go, you know, new start up businesses or anything like that.","start":1581.135,"end":1584.015,"sentiment":"neutral","sentiment_score":0.028117719239422252},{"text":"We're not gonna stock trade.","start":1584.015,"end":1585.3151,"sentiment":"neutral","sentiment_score":0.0481914222240448},{"text":"We're gonna look at robust diversification.","start":1585.4551,"end":1587.795,"sentiment":"neutral","sentiment_score":0.18649371465047201},{"text":"So means that we're gonna make sure that we invest across the market so that way if there is a dip, a turn, or whatever the case may be, that we have a really good market section so we're not gonna, you know, drop out and and lose all of our money.","start":1588.3351,"end":1600.49,"sentiment":"neutral","sentiment_score":0.12982307546413863}],"sentiment":"neutral","sentiment_score":0.10308240565011301,"num_words":83,"start":1579.6151,"end":1600.49},{"sentences":[{"text":"We wanna make sure that we're we're investing smart.","start":1600.5499,"end":1604.285,"sentiment":"neutral","sentiment_score":0.26295147008366054},{"text":"We don't wanna be paying exorbitant fees.","start":1604.985,"end":1607.5449,"sentiment":"neutral","sentiment_score":0.06282686016389302},{"text":"We wanna make sure that we're sitting really nicely in in a good portfolio that's gonna give us value.","start":1607.5449,"end":1614.9249,"sentiment":"neutral","sentiment_score":0.32713459667406586},{"text":"So I'll look at how to put that portfolio together for you to get us, like, a bit of an aggressive overlay.","start":1615.81,"end":1621.65,"sentiment":"neutral","sentiment_score":0.2541198161515323},{"text":"So investing more so in the market and less conservatively.","start":1621.65,"end":1624.55,"sentiment":"neutral","sentiment_score":0.07242786958813667}],"sentiment":"neutral","sentiment_score":0.22890780955108245,"num_words":67,"start":1600.5499,"end":1624.55},{"sentences":[{"text":"And what I mean from investing more in the market and less conservatively is when it comes to investments, you cash is an investment.","start":1625.01,"end":1631.945,"sentiment":"neutral","sentiment_score":0.09551578899845481},{"text":"Right?","start":1632.165,"end":1632.565,"sentiment":"neutral","sentiment_score":0.12371712923049928},{"text":"It is actually an investment.","start":1632.565,"end":1633.845,"sentiment":"neutral","sentiment_score":0.13176438212394714},{"text":"You know, you it generates the cash rate.","start":1633.845,"end":1636.505,"sentiment":"neutral","sentiment_score":0.14969982113689184},{"text":"So, you know, money sitting in the bank each month, the bank pays you a little bit of an interest.","start":1636.565,"end":1641.145,"sentiment":"neutral","sentiment_score":0.19874706938862802}],"sentiment":"neutral","sentiment_score":0.14219755056346284,"num_words":58,"start":1625.01,"end":1641.145},{"sentences":[{"text":"It is the most conservative investment you can pretty muchly get.","start":1641.6849,"end":1644.905,"sentiment":"neutral","sentiment_score":0.2851876670664007},{"text":"Right?","start":1646.22,"end":1646.72,"sentiment":"neutral","sentiment_score":0.04157474637031555},{"text":"So whilst it doesn't.","start":1647.26,"end":1649.8201,"sentiment":"neutral","sentiment_score":-0.10863671731203794},{"text":"No.","start":1649.8201,"end":1650.22,"sentiment":"neutral","sentiment_score":-0.17511895298957825},{"text":"So whilst it is an investment, it's a very conservative investment.","start":1650.22,"end":1653.12,"sentiment":"neutral","sentiment_score":0.057975479824976486}],"sentiment":"neutral","sentiment_score":0.11452512642634767,"num_words":28,"start":1641.6849,"end":1653.12},{"sentences":[{"text":"There are other other investments along those lines you can get.","start":1653.26,"end":1656.06,"sentiment":"neutral","sentiment_score":0.16922622377222235},{"text":"Government bonds, bank bonds, you know, fixed interest products.","start":1656.06,"end":1660.865,"sentiment":"neutral","sentiment_score":0.13548508452044594},{"text":"They're all conservative investments.","start":1660.865,"end":1662.565,"sentiment":"neutral","sentiment_score":0.2417372353374958},{"text":"They generate kind of three to 5% return depending on what the investment is.","start":1662.705,"end":1667.985,"sentiment":"neutral","sentiment_score":0.32706414801733835},{"text":"Nothing crazy, nothing high, pretty conservative.","start":1667.985,"end":1671.0449,"sentiment":"neutral","sentiment_score":-0.1585922638575236}],"sentiment":"neutral","sentiment_score":0.17443517392331903,"num_words":44,"start":1653.26,"end":1671.0449},{"sentences":[{"text":"They can fall down depending on how the market's going, but sometimes they're there to cushion a a a a a portfolio.","start":1671.105,"end":1678.7899,"sentiment":"neutral","sentiment_score":-0.20415714112195102},{"text":"Probably gonna stay away from majority of those because you are someone that's willing to take a little bit more risk.","start":1679.89,"end":1685.25,"sentiment":"negative","sentiment_score":-0.377269378730229},{"text":"But, again, conservative risk.","start":1685.25,"end":1687.9249,"sentiment":"neutral","sentiment_score":-0.11286930274218321},{"text":"Thought risk.","start":1689.105,"end":1689.9249,"sentiment":"neutral","sentiment_score":-0.18384502083063126},{"text":"We're not gonna, you know, go and throw it all in in all black and fingers crossed.","start":1690.785,"end":1694.8049,"sentiment":"neutral","sentiment_score":-0.2542354692431057}],"sentiment":"neutral","sentiment_score":-0.26598915587546246,"num_words":66,"start":1671.105,"end":1694.8049},{"sentences":[{"text":"No.","start":1699.025,"end":1699.525,"sentiment":"neutral","sentiment_score":-0.16008880734443665},{"text":"We don't either.","start":1699.585,"end":1700.565,"sentiment":"neutral","sentiment_score":-0.11482059458891551},{"text":"So we focus on good solid blue stock companies.","start":1700.705,"end":1703.71,"sentiment":"neutral","sentiment_score":0.12725114077329636},{"text":"We we focus on good robust markets, and we look at long term investments.","start":1703.71,"end":1708.69,"sentiment":"neutral","sentiment_score":0.20962976291775703},{"text":"So whilst there can be volatility in the immediate, we're looking for the long term.","start":1708.91,"end":1713.39,"sentiment":"neutral","sentiment_score":-0.04338270624478658}],"sentiment":"neutral","sentiment_score":0.06963775626250676,"num_words":42,"start":1699.025,"end":1713.39},{"sentences":[{"text":"Okay?","start":1713.39,"end":1713.79,"sentiment":"neutral","sentiment_score":0.006695196032524109},{"text":"And specifically because, you know, we we've got a couple good decades before we're looking to touch the money.","start":1713.79,"end":1718.9451,"sentiment":"neutral","sentiment_score":-0.023330790888346536},{"text":"We have the time to kind of weather those little storms that do happen.","start":1719.485,"end":1722.625,"sentiment":"neutral","sentiment_score":-0.03835366692926202},{"text":"So I'll look at how to put all of this together, looking at some contribution strategies, looking at, you know, mixing up our our superannuation investments and looking at our insurance.","start":1723.005,"end":1732.7,"sentiment":"neutral","sentiment_score":0.10135401545032378},{"text":"I'm gonna look at our income protection, obviously, replacing our income.","start":1733.72,"end":1737.34,"sentiment":"neutral","sentiment_score":0.03544765202836557}],"sentiment":"neutral","sentiment_score":0.03366259846600434,"num_words":76,"start":1713.39,"end":1737.34},{"sentences":[{"text":"Now I wanna be clear that we can only replace our income up to 70%.","start":1737.96,"end":1742.0599,"sentiment":"neutral","sentiment_score":-0.003184845050175985},{"text":"So a $100,000, I'm only gonna be able to replace 70,000 of it per year.","start":1742.2,"end":1747.105,"sentiment":"neutral","sentiment_score":0.009310054204737147},{"text":"The products limit us to that.","start":1748.0449,"end":1750.065,"sentiment":"neutral","sentiment_score":-0.14777346700429916},{"text":"Is that okay?","start":1750.125,"end":1751.0249,"sentiment":"neutral","sentiment_score":-0.01414367804924647},{"text":"That's okay?","start":1751.325,"end":1752.1449,"sentiment":"neutral","sentiment_score":0.03471103310585022}],"sentiment":"neutral","sentiment_score":-0.018726137381546746,"num_words":41,"start":1737.96,"end":1752.1449},{"sentences":[{"text":"Something's better than nothing?","start":1756.14,"end":1757.6799,"sentiment":"neutral","sentiment_score":0.04280557157471776},{"text":"Yeah.","start":1760.14,"end":1760.64,"sentiment":"neutral","sentiment_score":0.004587624222040176},{"text":"100%.","start":1765.9,"end":1766.72,"sentiment":"neutral","sentiment_score":0.18675540387630463},{"text":"Let me know, and I can increase it from there.","start":1766.78,"end":1768.96,"sentiment":"neutral","sentiment_score":0.18142740670591592},{"text":"But I'll I'll start out with that, and then what I'll do is Fabian's booked us in to have a chat Thursday.","start":1769.265,"end":1774.7051,"sentiment":"neutral","sentiment_score":0.0975417730144479}],"sentiment":"neutral","sentiment_score":0.11375679967826918,"num_words":38,"start":1756.14,"end":1774.7051},{"sentences":[{"text":"And what what we're gonna do Thursday, we'll go through the advice that I put together over the next couple of days.","start":1774.7051,"end":1779.525,"sentiment":"neutral","sentiment_score":0.05263864706185731},{"text":"Yep.","start":1793.965,"end":1794.465,"sentiment":"neutral","sentiment_score":-0.11175553500652312},{"text":"Yep.","start":1802.5249,"end":1803.0249,"sentiment":"neutral","sentiment_score":0.0444275438785553},{"text":"So I I will look at UniSuper from an investment point of view.","start":1803.965,"end":1807.345,"sentiment":"neutral","sentiment_score":0.05257549251501377},{"text":"There are hundreds of of of of of super funds and thousands of investment options.","start":1807.8,"end":1814.3,"sentiment":"neutral","sentiment_score":0.019043418020009993}],"sentiment":"neutral","sentiment_score":0.03961259456208119,"num_words":52,"start":1774.7051,"end":1814.3},{"sentences":[{"text":"So for me to remember all of them, look, I'm good.","start":1815.56,"end":1818.8601,"sentiment":"neutral","sentiment_score":0.06212209503759037},{"text":"For me to remember all of them, I don't.","start":1819.4801,"end":1821.26,"sentiment":"neutral","sentiment_score":-0.12366266631417805},{"text":"I I research because the research puts my money where where my my where my mouth is.","start":1821.4801,"end":1826.035,"sentiment":"neutral","sentiment_score":-0.1798815223224023},{"text":"I I look at UniSuper, and trust me, I've looked at it probably five times this week.","start":1826.5751,"end":1830.5951,"sentiment":"neutral","sentiment_score":0.04710919409990311},{"text":"But I look at UniSuper from a product point of view, from an investment offering point of view, from an historical performance, from a fees point of view to see where it's sitting.","start":1831.055,"end":1838.675,"sentiment":"neutral","sentiment_score":0.06014708119134108}],"sentiment":"neutral","sentiment_score":-0.008067779906693546,"num_words":87,"start":1815.56,"end":1838.675},{"sentences":[{"text":"Is it you're sitting in a high growth investment structure, but if memory serves, their high growth isn't that invest isn't that aggressive.","start":1838.99,"end":1847.5701,"sentiment":"neutral","sentiment_score":-0.0829297216690105},{"text":"They don't really have an aggressive investment option.","start":1847.7101,"end":1850.37,"sentiment":"neutral","sentiment_score":-0.1251703491434455},{"text":"Their performance is not bad if memory serves again.","start":1851.755,"end":1855.5349,"sentiment":"neutral","sentiment_score":-0.099432153834237},{"text":"But, again, I've looked at quite a number of super funds this week alone, and we're only on Tuesday.","start":1855.835,"end":1860.0149,"sentiment":"neutral","sentiment_score":-0.025536500309642992},{"text":"So their their their performance hasn't been bad, but if there's something we can do that's a little bit better, let's do it.","start":1861.4349,"end":1867.05,"sentiment":"neutral","sentiment_score":-0.0805706420670385}],"sentiment":"neutral","sentiment_score":-0.07490187865204928,"num_words":82,"start":1838.99,"end":1867.05},{"sentences":[{"text":"When it comes to the yeah.","start":1867.93,"end":1877.53,"sentiment":"neutral","sentiment_score":-0.018184399232268333},{"text":"Look.","start":1877.53,"end":1877.8501,"sentiment":"neutral","sentiment_score":-0.006706850603222847},{"text":"I could you could talk to five advisers and get five outcomes that are totally different.","start":1877.8501,"end":1882.51,"sentiment":"neutral","sentiment_score":-0.01004434667993337},{"text":"And the yeah.","start":1882.9451,"end":1887.045,"sentiment":"neutral","sentiment_score":-0.2748267203569412},{"text":"And the the out the outcomes will be similar but different.","start":1887.8251,"end":1891.8451,"sentiment":"neutral","sentiment_score":-0.04772264408794316}],"sentiment":"neutral","sentiment_score":-0.04394464970037744,"num_words":37,"start":1867.93,"end":1891.8451},{"sentences":[{"text":"And it sometimes it's product.","start":1892.385,"end":1894.005,"sentiment":"neutral","sentiment_score":-0.01447243057191372},{"text":"Like, look, AustralianSuper, UniSuper, they're all pretty much the same when it comes to industry funds.","start":1894.385,"end":1899.27,"sentiment":"neutral","sentiment_score":0.01668338745366782},{"text":"They're very limited in what they can offer you investment wise.","start":1899.3301,"end":1902.39,"sentiment":"neutral","sentiment_score":-0.2064513089981946},{"text":"The product is there specifically to limit what they offer to make it dirt cheap.","start":1902.61,"end":1907.91,"sentiment":"neutral","sentiment_score":-0.20447131792704265},{"text":"But it also means that they bulk they bulk have everyone through.","start":1908.255,"end":1912.015,"sentiment":"neutral","sentiment_score":-0.02076205052435398}],"sentiment":"neutral","sentiment_score":-0.09140011403015104,"num_words":59,"start":1892.385,"end":1912.015},{"sentences":[{"text":"You're a number, not a person.","start":1912.015,"end":1913.395,"sentiment":"neutral","sentiment_score":-0.07083355200787385},{"text":"And that's why they don't care what you've nominated on your super funds as your beneficiary.","start":1915.135,"end":1919.3151,"sentiment":"neutral","sentiment_score":-0.0849639301886782},{"text":"Whereas what I do is I work with what's called a retail product that has thousands of investment offerings where I can purpose built portfolios for my clients, and I can invest in the ASX.","start":1919.855,"end":1932.5399,"sentiment":"neutral","sentiment_score":0.21114309089524405},{"text":"I can invest in cryptocurrency adjacent products if I wanted to.","start":1932.5399,"end":1936.2999,"sentiment":"neutral","sentiment_score":0.19261473417282104},{"text":"I don't generally, but if I wanted to.","start":1936.2999,"end":1938.075,"sentiment":"neutral","sentiment_score":0.004082447616383433}],"sentiment":"neutral","sentiment_score":0.10206586372499403,"num_words":76,"start":1912.015,"end":1938.075},{"sentences":[{"text":"I can invest in specific stock options if I wanted to.","start":1938.1549,"end":1941.115,"sentiment":"neutral","sentiment_score":0.059368079020218414},{"text":"So if you you had a a a pent up need to invest in Tesla, we could invest in Tesla direct.","start":1941.115,"end":1947.7749,"sentiment":"neutral","sentiment_score":0.05690481868528184},{"text":"There's options that I have that are available that aren't there under under an industry fund.","start":1947.9149,"end":1953.51,"sentiment":"neutral","sentiment_score":0.030889254063367844},{"text":"And that's why an adviser can be more beneficial because we have options like that are that are available.","start":1954.39,"end":1960.09,"sentiment":"neutral","sentiment_score":0.12188032465545755},{"text":"Generally, the platform, they're all same same, but different.","start":1960.63,"end":1964.09,"sentiment":"neutral","sentiment_score":0.034197403118014336}],"sentiment":"neutral","sentiment_score":0.0653392226729346,"num_words":76,"start":1938.1549,"end":1964.09},{"sentences":[{"text":"They all do have different features and different options and and stuff like that, but a a retail products are very similar in the way that they offer, you know, the same kind of service through an adviser.","start":1964.47,"end":1978.665,"sentiment":"neutral","sentiment_score":0.05725379964630855},{"text":"It's the same as retail products.","start":1979.2051,"end":1980.745,"sentiment":"neutral","sentiment_score":0.04057218631108602},{"text":"They're offering the the not retail.","start":1980.805,"end":1983.12,"sentiment":"neutral","sentiment_score":-0.014451436853657166},{"text":"Sorry.","start":1983.12,"end":1983.52,"sentiment":"neutral","sentiment_score":-0.12051129341125488},{"text":"Your industry funds are offering very much the same same service.","start":1983.52,"end":1987.14,"sentiment":"neutral","sentiment_score":-0.10417052967981859}],"sentiment":"neutral","sentiment_score":0.017193254248629653,"num_words":62,"start":1964.47,"end":1987.14},{"sentences":[{"text":"A retail provider sorry.","start":1987.6,"end":1990.0,"sentiment":"neutral","sentiment_score":-0.1278473474085331},{"text":"An industry provider like your UniSuper, your AustralianSuper, they're just offering cookie cutter made investment portfolios.","start":1990.0,"end":1996.66,"sentiment":"neutral","sentiment_score":-0.05473784840432927},{"text":"There's absolutely nothing wrong with that and nothing wrong with that.","start":1996.9249,"end":1999.965,"sentiment":"neutral","sentiment_score":-0.1402692280032418},{"text":"I'm not gonna, you know, slam the industry funds because they've they've been doing it for decades, and they they do do a half decent job.","start":1999.965,"end":2006.3049,"sentiment":"negative","sentiment_score":-0.4361955850170209},{"text":"But, again, you're not a personal per you're not a personalized person.","start":2007.005,"end":2012.2899,"sentiment":"neutral","sentiment_score":-0.29411982372403145}],"sentiment":"neutral","sentiment_score":-0.25798086329376785,"num_words":69,"start":1987.6,"end":2012.2899},{"sentences":[{"text":"You're a number, and they're not giving you that personal service.","start":2012.4299,"end":2015.97,"sentiment":"negative","sentiment_score":-0.43825534798882226},{"text":"I have client clients that try and retire by themselves.","start":2016.4299,"end":2019.87,"sentiment":"neutral","sentiment_score":-0.12144287377595901},{"text":"I have a client that I'm working with at the moment, pro bono.","start":2019.87,"end":2022.69,"sentiment":"neutral","sentiment_score":-0.04313913589486709},{"text":"She's in her seventies, and she's trying to retire, and AustralianSuper has not helped her in any way, shape, or form.","start":2023.39,"end":2028.715,"sentiment":"neutral","sentiment_score":-0.318925131999311},{"text":"And I've sat down and done all the documents to help her get her retirement because AustralianSuper has rejected all of her retirement documents, and they won't help her on how on how to retire.","start":2028.715,"end":2039.71,"sentiment":"negative","sentiment_score":-0.4032567586217608}],"sentiment":"neutral","sentiment_score":-0.3045273406224118,"num_words":90,"start":2012.4299,"end":2039.71},{"sentences":[{"text":"And the whole point in why they're supposed to be there is to help, and they won't help her.","start":2039.71,"end":2044.67,"sentiment":"negative","sentiment_score":-0.3805181399772042},{"text":"And she is a 70 year old who has no idea how to computer.","start":2044.67,"end":2047.89,"sentiment":"neutral","sentiment_score":-0.3235729954072407},{"text":"Possibly.","start":2056.2249,"end":2056.545,"sentiment":"neutral","sentiment_score":-0.15666577219963074},{"text":"Yeah.","start":2056.545,"end":2057.045,"sentiment":"neutral","sentiment_score":-0.03786284103989601},{"text":"Yeah.","start":2058.625,"end":2059.105,"sentiment":"neutral","sentiment_score":-0.012439794838428496}],"sentiment":"neutral","sentiment_score":-0.3324120834262835,"num_words":36,"start":2039.71,"end":2059.105},{"sentences":[{"text":"So the whole reason why I'm here and like I said at the beginning of our phone call, I'm one of those workaholic people.","start":2059.105,"end":2065.29,"sentiment":"neutral","sentiment_score":-0.044821502563233175},{"text":"So I really enjoy doing what I do.","start":2065.29,"end":2068.4302,"sentiment":"positive","sentiment_score":0.47366929054260254},{"text":"It sounds so it sounds so silly, but I do.","start":2068.49,"end":2072.33,"sentiment":"neutral","sentiment_score":0.17066020965576173},{"text":"It's why I do the long nights.","start":2072.33,"end":2073.9302,"sentiment":"neutral","sentiment_score":0.030322800257376263},{"text":"I'm gonna be honest.","start":2073.9302,"end":2074.81,"sentiment":"neutral","sentiment_score":-0.036498678382486105}],"sentiment":"neutral","sentiment_score":0.08465104240853831,"num_words":53,"start":2059.105,"end":2074.81},{"sentences":[{"text":"I've been here for twelve hours already.","start":2074.81,"end":2076.4302,"sentiment":"neutral","sentiment_score":-0.04690004831978253},{"text":"Yep.","start":2078.465,"end":2078.7852,"sentiment":"neutral","sentiment_score":0.06668166071176529},{"text":"And I'll be here for a couple more, and that's okay.","start":2078.7852,"end":2081.445,"sentiment":"neutral","sentiment_score":0.03394395485520363},{"text":"Yep.","start":2082.145,"end":2082.645,"sentiment":"neutral","sentiment_score":0.06966070830821991},{"text":"Oh, Fabian.","start":2095.17,"end":2095.81,"sentiment":"neutral","sentiment_score":0.05465993098914623}],"sentiment":"neutral","sentiment_score":0.01321569982577454,"num_words":22,"start":2074.81,"end":2095.81},{"sentences":[{"text":"Yeah.","start":2095.81,"end":2096.31,"sentiment":"neutral","sentiment_score":0.12449832260608672},{"text":"Yeah.","start":2096.93,"end":2097.25,"sentiment":"neutral","sentiment_score":0.00326661765575409},{"text":"Fabian's great.","start":2097.25,"end":2098.23,"sentiment":"neutral","sentiment_score":-0.0066114692017436045},{"text":"Well, we don't like him anyway, so that's okay.","start":2102.775,"end":2105.195,"sentiment":"negative","sentiment_score":-0.39175544182459515},{"text":"Oh, perfect.","start":2107.575,"end":2108.375,"sentiment":"neutral","sentiment_score":0.2179090604186058}],"sentiment":"neutral","sentiment_score":-0.19836259024838607,"num_words":15,"start":2095.81,"end":2108.375},{"sentences":[{"text":"Well, I will get cracking with this and start getting a plan together, and then I'll speak to you in a couple of days.","start":2108.375,"end":2112.935,"sentiment":"neutral","sentiment_score":0.14109076404323181},{"text":"If there's any issues I have or if I run into any roadblocks or I can't get things turned around, I'll I'll just let you know on Thursday if we need to delay the advice, but I should be good.","start":2112.935,"end":2122.8699,"sentiment":"neutral","sentiment_score":0.08768348672892898},{"text":"I don't think no.","start":2122.8699,"end":2128.63,"sentiment":"neutral","sentiment_score":-0.1065562330186367},{"text":"Good.","start":2128.63,"end":2128.95,"sentiment":"neutral","sentiment_score":0.1734948456287384},{"text":"No.","start":2128.95,"end":2129.1099,"sentiment":"neutral","sentiment_score":-0.12870948016643524}],"sentiment":"neutral","sentiment_score":0.09302968913689255,"num_words":70,"start":2108.375,"end":2129.1099},{"sentences":[{"text":"I don't think I should have any issues, but I'll give you a call if I do.","start":2129.1099,"end":2132.695,"sentiment":"neutral","sentiment_score":0.008823015234049629},{"text":"That's okay.","start":2133.955,"end":2134.675,"sentiment":"positive","sentiment_score":0.47309139370918274},{"text":"Go and have a great night.","start":2134.675,"end":2135.715,"sentiment":"positive","sentiment_score":0.5960261672735214},{"text":"You're home by the sounds of it, so go and enjoy it.","start":2135.715,"end":2140.035,"sentiment":"neutral","sentiment_score":0.30518516215185326},{"text":"No.","start":2140.035,"end":2140.435,"sentiment":"neutral","sentiment_score":-0.23032397031784055}],"sentiment":"neutral","sentiment_score":0.21326918488270358,"num_words":38,"start":2129.1099,"end":2140.435},{"sentences":[{"text":"Go, my love.","start":2140.435,"end":2141.075,"sentiment":"neutral","sentiment_score":-0.017146003743012745},{"text":"We'll speak soon.","start":2141.075,"end":2141.975,"sentiment":"neutral","sentiment_score":0.1274175470074018},{"text":"Bye.","start":2143.715,"end":2144.215,"sentiment":"neutral","sentiment_score":-0.12039435654878616}],"sentiment":"neutral","sentiment_score":0.030060039034911563,"num_words":7,"start":2140.435,"end":2144.215}]}}]},{"alternatives":[{"transcript":"Hello? Oh, yep. Thank god. Stress there. Yeah. I'm like, this is not good for the motor. It's so bad for your motor. End up putting all the shit in the bottom of the tank through the motor. Yeah. I know. Sorry about that. Yeah. Like yeah. No. Never. I'll tell you. So when I first took out my TPD and life insurance through Commonwealth Bank, the in all of the the planner there, he was like, I wouldn't, you know, I I wouldn't go I wouldn't apply for it, you know, because you won't get it because of, like, like, your mental health. And I'm like, okay. That's well, firstly, that's discrimination, but okay. He totally really made me quite scared about getting like, even going for it because he didn't even explain you can have exclusions or whatever. He was like, oh, no. I wouldn't go for it. Anyway so yes. But no. I I've never gone for it. Yes. Yes. Yeah. Yes. You're the d k. Oh, 100 100%. I'm talking about a good twenty years ago. Like, I'm, like, I'm talking, like, I I don't know. Like, this is my second mortgage. I don't know. When did I take my I don't know. Like, what are we now? 2026? Okay. I exaggerated. Probably, like no. 2026. Me okay. Fuck. I didn't even know what year it's. Maybe 2032, 2013? Okay. That's not twenty years ago. I exaggerated. It it feels like twenty years ago. So yeah. No. No. I have I haven't had yet attempts or anything like that whatsoever. Yep. Yeah. And I also have it through my super as well, which I want to figure out. This is the other thing that the other company I for your company. I don't know. I'm confused now who I'm talking to. He said that the advisers said to keep them both. And I'm like, but, like, isn't that inefficient or isn't that, like, a waste of money If I'm paying for it and it's also in my cover, I'm gonna be dead. I'm literally gonna die and I've got no dependents. Who the fuck am I gonna give the money to? Yes. Okay. Okay. I've never been on Centrelink in my life. I've always worked. I've always, you know, gone from job to job. I've never rely on yeah. Exactly. Yeah. Okay. So you think AIA, you're a bit iffy about it? Exactly. That's what I'm saying to you. So I'll give you context to to context to it as well. It went from ComBank to Colonial First State. It got bought out by somebody else, and now it's AIA. It was originally a ComBank product. That's why. Uh-huh. Okay. Okay. I sent it to the lady. I already sent it over from both of them. I sent I sent the one I sent the one that's that I pay fortnight or fucking fortnight before. It's like $81 or something. And I sent the other one as well. Yeah. Okay. Yep. Nobody never sees that. Oh, Kat, why are they not? Oh, they can they can go get fucked because I don't have any of those. Like, how awful is that? I am gonna call UniSuper tomorrow, and I'm gonna fucking blast them. Right? Fucking assholes. That's disgusting. Oh, okay. So I can do it in my will. Okay. Oh, I have to get one. Oh my gosh. Yeah. I even have the little kids sitting in my it's probably expired. I paid $27 for it about three days ago. Yeah. Have you seen how small the writing is on that document? It's awful. It's very simple. Oh, okay. Yeah. Absolutely. Like, I don't I don't want to have to borrow money. I don't, you know, I don't want I wanna be able to just be covered to leave have my bills covered, my mortgage covered, and my medical bills covered. That's correct. I'd love to do that. Look, the 3 the 300 was a little bit conservative. That's why I can money. Let's say I well, look, some months it's there, some months it's not. Only because, I mean, I live in a unit. So that money tends to go towards my my what's it called? My Strada levy and, you know, stuff like that. So I'm not I'm not really saving for anything special. It's more for a rainy day. I mean, I like to have an emergency fund. And then I had a couple of bills, and that was it. It was gone. So now I'm back to building up my my emergency fund again. I'd love I'd love 5. Yeah. I'd love 5. Yeah. Yeah. Yeah. You know, I mean, I think even, like, what, a $100 a week would make such a difference. Yeah. Fair enough. Yeah. Oh my god. How good were you? Fucking hell. Oh, I'm see, I had Vulcan parents that had no idea about financial interest in. I'm only, like, teaching myself that now, you know, in my forties. Like and I'm learning it all through, like, ladies finance club. Yeah. No. So my old man dad passed away, obviously, like, a year and a half ago. Mom's 82. She's alive and kicking that lady. I swear. She's a machine. She's very independent, still at home, like, in the house. The assets are in the house, not cash in the bank. That's yeah. Yes. It's divided between us. That's not gonna happen. We're we're selling it. It's like yeah. We're selling it. Yeah. I did I did say to I think his name was Jacob. I did say to him that I would like to buy another property. Like, I live in a two bedroom unit now that I don't like. I would like to have, like, live somewhere else. Like, this place where I live now was always going to be an investment because it's so it's like one street away from the train, the shops, and everything. I don't see myself living here forever. So whether yes. I I wouldn't mind buying something else. And if it means selling this, buying something, and then buying something through my super, I yeah. I don't know that I have enough, but I know you have to have a certain no income to buy through your super. Yeah. Okay. Yeah. Yeah. Okay. Yeah. Of course. Is it an investment? Absolutely. How cool? Okay. Uh-huh. Go ahead. Yeah. Yep. Yes. Okay. Yeah. Yeah. Yeah. Yeah. That's what I'm definitely, in the next five years, I definitely will be, yeah, buying something else. Yes. Yep. Yeah. Alright. Yeah. Yep. Yes. Yeah. I'd I'd like that. Yeah. Kinda does nothing for you, though. Yeah. Yeah. Yes. Yeah. Yes. Uh-huh. Yes. Yes. So it is it is what it is, isn't it? I need to go and get a better job so I can increase my my baseline. So the the last person that I spoke to, they also suggested that UniSuper was not the best fund for me. So where does that fall in all this? They recommended that I go with another company. Yes. Yeah. Yeah. That's what I was saying. So yeah. That's what I'd be curious if your your analysis is gonna be the same as theirs or, you know, like, all kind of, like, different. I know. They're gonna give you a different I know. That's why this whole thing is so overwhelming, like, you know. Yep. Uh-huh. 100%. Yep. Yes. Yeah. You should go to a car and say, see how quickly I'll help again. That's ridiculous. And I actually speak. Oh, that's awesome. Oh, gosh. Oh my god. Shit. Well, Alicia, a lot nicer than the majority of the people that I've spoken to. I'll except for the last your colleague was really lovely. Fabian was really lovely. But the other gentleman was really fucking rude and pushy. Yeah. Okay. Call me. No problem. Honestly, I waited this long. Like I'm right. Thank you. Talk to you soon. Oh my god. Yeah. I'm so tired. Gonna chill. See you. 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Oh, yep. Thank god. Stress there. Yeah.\n\nI'm like, this is not good for the motor. It's so bad for your motor. End up putting all the shit in the bottom of the tank through the motor. Yeah. I know.\n\nSorry about that. Yeah. Like yeah. No. Never.\n\nI'll tell you. So when I first took out my TPD and life insurance through Commonwealth Bank, the in all of the the planner there, he was like, I wouldn't, you know, I I wouldn't go I wouldn't apply for it, you know, because you won't get it because of, like, like, your mental health. And I'm like, okay. That's well, firstly, that's discrimination, but okay. He totally really made me quite scared about getting like, even going for it because he didn't even explain you can have exclusions or whatever.\n\nHe was like, oh, no. I wouldn't go for it. Anyway so yes. But no. I I've never gone for it.\n\nYes. Yes. Yeah. Yes. You're the d k.\n\nOh, 100 100%. I'm talking about a good twenty years ago. Like, I'm, like, I'm talking, like, I I don't know. Like, this is my second mortgage. I don't know.\n\nWhen did I take my I don't know. Like, what are we now? 2026? Okay. I exaggerated.\n\nProbably, like no. 2026. Me okay. Fuck. I didn't even know what year it's.\n\nMaybe 2032, 2013? Okay. That's not twenty years ago. I exaggerated. It it feels like twenty years ago.\n\nSo yeah. No. No. I have I haven't had yet attempts or anything like that whatsoever. Yep.\n\nYeah. And I also have it through my super as well, which I want to figure out. This is the other thing that the other company I for your company. I don't know. I'm confused now who I'm talking to.\n\nHe said that the advisers said to keep them both. And I'm like, but, like, isn't that inefficient or isn't that, like, a waste of money If I'm paying for it and it's also in my cover, I'm gonna be dead. I'm literally gonna die and I've got no dependents. Who the fuck am I gonna give the money to? Yes.\n\nOkay. Okay. I've never been on Centrelink in my life. I've always worked. I've always, you know, gone from job to job.\n\nI've never rely on yeah. Exactly. Yeah. Okay. So you think AIA, you're a bit iffy about it?\n\nExactly. That's what I'm saying to you. So I'll give you context to to context to it as well. It went from ComBank to Colonial First State. It got bought out by somebody else, and now it's AIA.\n\nIt was originally a ComBank product. That's why. Uh-huh. Okay. Okay.\n\nI sent it to the lady. I already sent it over from both of them. I sent I sent the one I sent the one that's that I pay fortnight or fucking fortnight before. It's like $81 or something. And I sent the other one as well.\n\nYeah. Okay. Yep. Nobody never sees that. Oh, Kat, why are they not?\n\nOh, they can they can go get fucked because I don't have any of those. Like, how awful is that? I am gonna call UniSuper tomorrow, and I'm gonna fucking blast them. Right? Fucking assholes.\n\nThat's disgusting. Oh, okay. So I can do it in my will. Okay. Oh, I have to get one.\n\nOh my gosh. Yeah. I even have the little kids sitting in my it's probably expired. I paid $27 for it about three days ago. Yeah.\n\nHave you seen how small the writing is on that document? It's awful. It's very simple. Oh, okay. Yeah.\n\nAbsolutely. Like, I don't I don't want to have to borrow money. I don't, you know, I don't want I wanna be able to just be covered to leave have my bills covered, my mortgage covered, and my medical bills covered. That's correct. I'd love to do that.\n\nLook, the 3 the 300 was a little bit conservative. That's why I can money. Let's say I well, look, some months it's there, some months it's not. Only because, I mean, I live in a unit. So that money tends to go towards my my what's it called?\n\nMy Strada levy and, you know, stuff like that. So I'm not I'm not really saving for anything special. It's more for a rainy day. I mean, I like to have an emergency fund. And then I had a couple of bills, and that was it.\n\nIt was gone. So now I'm back to building up my my emergency fund again. I'd love I'd love 5. Yeah. I'd love 5.\n\nYeah. Yeah. Yeah. You know, I mean, I think even, like, what, a $100 a week would make such a difference. Yeah.\n\nFair enough. Yeah. Oh my god. How good were you? Fucking hell.\n\nOh, I'm see, I had Vulcan parents that had no idea about financial interest in. I'm only, like, teaching myself that now, you know, in my forties. Like and I'm learning it all through, like, ladies finance club. Yeah. No.\n\nSo my old man dad passed away, obviously, like, a year and a half ago. Mom's 82. She's alive and kicking that lady. I swear. She's a machine.\n\nShe's very independent, still at home, like, in the house. The assets are in the house, not cash in the bank. That's yeah. Yes. It's divided between us.\n\nThat's not gonna happen. We're we're selling it. It's like yeah. We're selling it. Yeah.\n\nI did I did say to I think his name was Jacob. I did say to him that I would like to buy another property. Like, I live in a two bedroom unit now that I don't like. I would like to have, like, live somewhere else. Like, this place where I live now was always going to be an investment because it's so it's like one street away from the train, the shops, and everything.\n\nI don't see myself living here forever. So whether yes. I I wouldn't mind buying something else. And if it means selling this, buying something, and then buying something through my super, I yeah. I don't know that I have enough, but I know you have to have a certain no income to buy through your super.\n\nYeah. Okay. Yeah. Yeah. Okay.\n\nYeah. Of course. Is it an investment? Absolutely. How cool?\n\nOkay. Uh-huh. Go ahead. Yeah. Yep.\n\nYes. Okay. Yeah. Yeah. Yeah.\n\nYeah. That's what I'm definitely, in the next five years, I definitely will be, yeah, buying something else. Yes. Yep. Yeah.\n\nAlright. Yeah. Yep. Yes. Yeah.\n\nI'd I'd like that. Yeah. Kinda does nothing for you, though. Yeah. Yeah.\n\nYes. Yeah. Yes. Uh-huh. Yes.\n\nYes. So it is it is what it is, isn't it? I need to go and get a better job so I can increase my my baseline. So the the last person that I spoke to, they also suggested that UniSuper was not the best fund for me. So where does that fall in all this?\n\nThey recommended that I go with another company. Yes. Yeah. Yeah. That's what I was saying.\n\nSo yeah. That's what I'd be curious if your your analysis is gonna be the same as theirs or, you know, like, all kind of, like, different. I know. They're gonna give you a different I know. That's why this whole thing is so overwhelming, like, you know.\n\nYep. Uh-huh. 100%. Yep. Yes.\n\nYeah. You should go to a car and say, see how quickly I'll help again. That's ridiculous. And I actually speak. Oh, that's awesome.\n\nOh, gosh. Oh my god. Shit. Well, Alicia, a lot nicer than the majority of the people that I've spoken to. I'll except for the last your colleague was really lovely.\n\nFabian was really lovely. But the other gentleman was really fucking rude and pushy. Yeah. Okay. Call me.\n\nNo problem. Honestly, I waited this long. Like I'm right. Thank you. Talk to you soon.\n\nOh my god. Yeah. I'm so tired. Gonna chill. See you.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.08,"end":2.58,"sentiment":"neutral","sentiment_score":0.018576910719275475},{"text":"Oh, yep.","start":5.3599997,"end":6.08,"sentiment":"neutral","sentiment_score":-0.01193145231809467},{"text":"Thank god.","start":6.08,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.25387267768383026},{"text":"Stress there.","start":9.84,"end":10.74,"sentiment":"neutral","sentiment_score":-0.14610840380191803},{"text":"Yeah.","start":16.735,"end":17.235,"sentiment":"negative","sentiment_score":-0.3979433178901672}],"sentiment":"neutral","sentiment_score":-0.02346259550540707,"num_words":8,"start":2.08,"end":17.235},{"sentences":[{"text":"I'm like, this is not good for the motor.","start":17.935001,"end":20.275,"sentiment":"negative","sentiment_score":-0.7051667438613044},{"text":"It's so bad for your motor.","start":30.18,"end":32.12,"sentiment":"negative","sentiment_score":-0.7435215512911478},{"text":"End up putting all the shit in the bottom of the tank through the motor.","start":33.86,"end":38.04,"sentiment":"negative","sentiment_score":-0.4816332052151362},{"text":"Yeah.","start":46.365,"end":46.605,"sentiment":"neutral","sentiment_score":-0.011052299290895462},{"text":"I know.","start":46.605,"end":48.705,"sentiment":"neutral","sentiment_score":-0.013981203082948923}],"sentiment":"negative","sentiment_score":-0.5476103874600746,"num_words":33,"start":17.935001,"end":48.705},{"sentences":[{"text":"Sorry about that.","start":48.765,"end":49.825,"sentiment":"neutral","sentiment_score":-0.0697341797252496},{"text":"Yeah.","start":70.735,"end":71.235,"sentiment":"neutral","sentiment_score":0.07393437623977661},{"text":"Like yeah.","start":72.495,"end":74.035,"sentiment":"neutral","sentiment_score":0.03939717076718807},{"text":"No.","start":84.84,"end":85.34,"sentiment":"neutral","sentiment_score":-0.06741317361593246},{"text":"Never.","start":87.08,"end":87.58,"sentiment":"neutral","sentiment_score":-0.06637172400951385}],"sentiment":"neutral","sentiment_score":-0.0237823398783803,"num_words":8,"start":48.765,"end":87.58},{"sentences":[{"text":"I'll tell you.","start":88.36,"end":89.34,"sentiment":"neutral","sentiment_score":0.03625499705473582},{"text":"So when I first took out my TPD and life insurance through Commonwealth Bank, the in all of the the planner there, he was like, I wouldn't, you know, I I wouldn't go I wouldn't apply for it, you know, because you won't get it because of, like, like, your mental health.","start":89.479996,"end":117.409996,"sentiment":"neutral","sentiment_score":-0.15549619914963841},{"text":"And I'm like, okay.","start":117.409996,"end":118.77,"sentiment":"neutral","sentiment_score":-0.23714201152324677},{"text":"That's well, firstly, that's discrimination, but okay.","start":118.77,"end":121.67999,"sentiment":"neutral","sentiment_score":-0.31873372197151184},{"text":"He totally really made me quite scared about getting like, even going for it because he didn't even explain you can have exclusions or whatever.","start":122.845,"end":134.205,"sentiment":"negative","sentiment_score":-0.36526618361473084}],"sentiment":"neutral","sentiment_score":-0.22294940719647066,"num_words":91,"start":88.36,"end":134.205},{"sentences":[{"text":"He was like, oh, no.","start":134.205,"end":135.005,"sentiment":"neutral","sentiment_score":-0.16836173087358475},{"text":"I wouldn't go for it.","start":135.005,"end":136.385,"sentiment":"neutral","sentiment_score":-0.33311315178871154},{"text":"Anyway so yes.","start":137.87,"end":138.99,"sentiment":"neutral","sentiment_score":0.001900065690279007},{"text":"But no.","start":138.99,"end":139.47,"sentiment":"neutral","sentiment_score":-0.2312057800590992},{"text":"I I've never gone for it.","start":139.47,"end":141.09,"sentiment":"negative","sentiment_score":-0.37478288014729816}],"sentiment":"neutral","sentiment_score":-0.24822776463060153,"num_words":21,"start":134.205,"end":141.09},{"sentences":[{"text":"Yes.","start":151.795,"end":152.295,"sentiment":"neutral","sentiment_score":0.018271805718541145},{"text":"Yes.","start":156.995,"end":157.495,"sentiment":"neutral","sentiment_score":0.0023662708699703217},{"text":"Yeah.","start":168.03,"end":168.53,"sentiment":"neutral","sentiment_score":-0.033839061856269836},{"text":"Yes.","start":173.75,"end":174.25,"sentiment":"neutral","sentiment_score":-0.030763760209083557},{"text":"You're the d k.","start":179.47,"end":180.53,"sentiment":"neutral","sentiment_score":-0.09961251728236675}],"sentiment":"neutral","sentiment_score":-0.05530185182578862,"num_words":8,"start":151.795,"end":180.53},{"sentences":[{"text":"Oh, 100 100%.","start":187.66501,"end":189.445,"sentiment":"neutral","sentiment_score":-0.01992907126744588},{"text":"I'm talking about a good twenty years ago.","start":210.11499,"end":212.775,"sentiment":"neutral","sentiment_score":-0.1103430176153779},{"text":"Like, I'm, like, I'm talking, like, I I don't know.","start":215.47499,"end":218.83499,"sentiment":"neutral","sentiment_score":-0.10140196159482003},{"text":"Like, this is my second mortgage.","start":218.83499,"end":220.295,"sentiment":"neutral","sentiment_score":-0.12461891522010167},{"text":"I don't know.","start":221.715,"end":222.275,"sentiment":"neutral","sentiment_score":-0.12046123047669728}],"sentiment":"neutral","sentiment_score":-0.10218827178080876,"num_words":30,"start":187.66501,"end":222.275},{"sentences":[{"text":"When did I take my I don't know.","start":222.275,"end":224.11499,"sentiment":"neutral","sentiment_score":-0.09251488465815783},{"text":"Like, what are we now?","start":224.11499,"end":225.76001,"sentiment":"neutral","sentiment_score":-0.07037729322910309},{"text":"2026?","start":225.76001,"end":226.56,"sentiment":"neutral","sentiment_score":-0.035262107849121094},{"text":"Okay.","start":226.56,"end":226.88,"sentiment":"neutral","sentiment_score":-0.07730575650930405},{"text":"I exaggerated.","start":226.88,"end":227.54001,"sentiment":"neutral","sentiment_score":-0.17707379162311554}],"sentiment":"neutral","sentiment_score":-0.09168947005973142,"num_words":17,"start":222.275,"end":227.54001},{"sentences":[{"text":"Probably, like no.","start":228.0,"end":230.48001,"sentiment":"neutral","sentiment_score":-0.1734863817691803},{"text":"2026.","start":230.48001,"end":231.62001,"sentiment":"neutral","sentiment_score":-0.09998801350593568},{"text":"Me okay.","start":232.0,"end":232.82,"sentiment":"neutral","sentiment_score":-0.15731894224882126},{"text":"Fuck.","start":232.88,"end":233.20001,"sentiment":"negative","sentiment_score":-0.5091255903244019},{"text":"I didn't even know what year it's.","start":233.20001,"end":234.56,"sentiment":"neutral","sentiment_score":-0.19099880116326468}],"sentiment":"neutral","sentiment_score":-0.19865730298416956,"num_words":14,"start":228.0,"end":234.56},{"sentences":[{"text":"Maybe 2032, 2013?","start":234.56,"end":238.26001,"sentiment":"neutral","sentiment_score":-0.040439738581577934},{"text":"Okay.","start":239.755,"end":239.915,"sentiment":"neutral","sentiment_score":-0.04007276892662048},{"text":"That's not twenty years ago.","start":239.915,"end":241.115,"sentiment":"neutral","sentiment_score":-0.10157158374786376},{"text":"I exaggerated.","start":241.115,"end":241.775,"sentiment":"neutral","sentiment_score":-0.13618433102965355},{"text":"It it feels like twenty years ago.","start":243.835,"end":246.095,"sentiment":"neutral","sentiment_score":-0.10198571958712169}],"sentiment":"neutral","sentiment_score":-0.09197325569887956,"num_words":18,"start":234.56,"end":246.095},{"sentences":[{"text":"So yeah.","start":250.315,"end":251.305,"sentiment":"neutral","sentiment_score":-0.03234849311411381},{"text":"No.","start":253.47,"end":253.71,"sentiment":"neutral","sentiment_score":-0.31065481901168823},{"text":"No.","start":253.71,"end":253.95,"sentiment":"negative","sentiment_score":-0.34243226051330566},{"text":"I have I haven't had yet attempts or anything like that whatsoever.","start":253.95,"end":258.93,"sentiment":"negative","sentiment_score":-0.3566846599181493},{"text":"Yep.","start":269.085,"end":269.585,"sentiment":"neutral","sentiment_score":-0.016689302399754524}],"sentiment":"neutral","sentiment_score":-0.29498172277475104,"num_words":17,"start":250.315,"end":269.585},{"sentences":[{"text":"Yeah.","start":276.685,"end":277.005,"sentiment":"neutral","sentiment_score":0.06746447086334229},{"text":"And I also have it through my super as well, which I want to figure out.","start":277.005,"end":284.25,"sentiment":"neutral","sentiment_score":0.03893399587832391},{"text":"This is the other thing that the other company I for your company.","start":284.31,"end":288.55,"sentiment":"neutral","sentiment_score":-0.11164926279049653},{"text":"I don't know.","start":288.55,"end":289.03,"sentiment":"neutral","sentiment_score":-0.15826573967933655},{"text":"I'm confused now who I'm talking to.","start":289.03,"end":291.05,"sentiment":"neutral","sentiment_score":-0.18979408059801375}],"sentiment":"neutral","sentiment_score":-0.0641096948646009,"num_words":40,"start":276.685,"end":291.05},{"sentences":[{"text":"He said that the advisers said to keep them both.","start":294.665,"end":299.545,"sentiment":"neutral","sentiment_score":-0.18004339933395386},{"text":"And I'm like, but, like, isn't that inefficient or isn't that, like, a waste of money If I'm paying for it and it's also in my cover, I'm gonna be dead.","start":299.545,"end":314.64,"sentiment":"negative","sentiment_score":-0.35250023536143765},{"text":"I'm literally gonna die and I've got no dependents.","start":316.7,"end":319.84,"sentiment":"neutral","sentiment_score":-0.22793668177392748},{"text":"Who the fuck am I gonna give the money to?","start":320.38,"end":322.56,"sentiment":"negative","sentiment_score":-0.4787700027227402},{"text":"Yes.","start":335.95502,"end":336.45502,"sentiment":"neutral","sentiment_score":0.03811480849981308}],"sentiment":"neutral","sentiment_score":-0.32014683023339413,"num_words":61,"start":294.665,"end":336.45502},{"sentences":[{"text":"Okay.","start":350.93,"end":351.09,"sentiment":"neutral","sentiment_score":0.008693908341228962},{"text":"Okay.","start":351.09,"end":351.59,"sentiment":"neutral","sentiment_score":0.01410464197397232},{"text":"I've never been on Centrelink in my life.","start":382.905,"end":385.06497,"sentiment":"neutral","sentiment_score":-0.03633061540313065},{"text":"I've always worked.","start":385.06497,"end":386.025,"sentiment":"neutral","sentiment_score":0.04535807420810064},{"text":"I've always, you know, gone from job to job.","start":386.025,"end":388.745,"sentiment":"neutral","sentiment_score":-0.016171766652001276}],"sentiment":"neutral","sentiment_score":-0.012605365916070614,"num_words":22,"start":350.93,"end":388.745},{"sentences":[{"text":"I've never rely on yeah.","start":388.745,"end":391.245,"sentiment":"neutral","sentiment_score":-0.019946258515119553},{"text":"Exactly.","start":402.5,"end":403.0,"sentiment":"neutral","sentiment_score":0.09375467151403429},{"text":"Yeah.","start":408.475,"end":408.975,"sentiment":"neutral","sentiment_score":0.05841035395860672},{"text":"Okay.","start":411.755,"end":412.255,"sentiment":"neutral","sentiment_score":-0.03267986327409744},{"text":"So you think AIA, you're a bit iffy about it?","start":412.39502,"end":415.535,"sentiment":"neutral","sentiment_score":-0.293160080909729}],"sentiment":"neutral","sentiment_score":-0.16176927441524136,"num_words":18,"start":388.745,"end":415.535},{"sentences":[{"text":"Exactly.","start":422.41,"end":422.91,"sentiment":"neutral","sentiment_score":-0.134670227766037},{"text":"That's what I'm saying to you.","start":425.61,"end":426.67,"sentiment":"neutral","sentiment_score":-0.20520815253257751},{"text":"So I'll give you context to to context to it as well.","start":432.57,"end":436.92502,"sentiment":"neutral","sentiment_score":-0.02469913087164362},{"text":"It went from ComBank to Colonial First State.","start":436.98502,"end":440.92502,"sentiment":"neutral","sentiment_score":-0.026861949474550784},{"text":"It got bought out by somebody else, and now it's AIA.","start":441.225,"end":444.605,"sentiment":"neutral","sentiment_score":-0.06609585170041431}],"sentiment":"neutral","sentiment_score":-0.0685331231032155,"num_words":38,"start":422.41,"end":444.605},{"sentences":[{"text":"It was originally a ComBank product.","start":444.825,"end":447.165,"sentiment":"neutral","sentiment_score":-0.031507402968903385},{"text":"That's why.","start":450.36,"end":451.18,"sentiment":"neutral","sentiment_score":0.008258904097601771},{"text":"Uh-huh.","start":509.5,"end":510.0,"sentiment":"neutral","sentiment_score":-0.08942791074514389},{"text":"Okay.","start":515.685,"end":516.185,"sentiment":"neutral","sentiment_score":-0.027821991592645645},{"text":"Okay.","start":524.885,"end":525.385,"sentiment":"neutral","sentiment_score":0.036360934376716614}],"sentiment":"neutral","sentiment_score":-0.023037779779935427,"num_words":11,"start":444.825,"end":525.385},{"sentences":[{"text":"I sent it to the lady.","start":539.1,"end":540.72,"sentiment":"neutral","sentiment_score":0.15047084912657738},{"text":"I already sent it over from both of them.","start":542.285,"end":548.065,"sentiment":"neutral","sentiment_score":0.04561434644791815},{"text":"I sent I sent the one I sent the one that's that I pay fortnight or fucking fortnight before.","start":555.97003,"end":565.25,"sentiment":"neutral","sentiment_score":-0.18670052289962769},{"text":"It's like $81 or something.","start":565.25,"end":567.19,"sentiment":"neutral","sentiment_score":-0.06452105939388275},{"text":"And I sent the other one as well.","start":567.875,"end":569.975,"sentiment":"neutral","sentiment_score":0.013930329121649265}],"sentiment":"neutral","sentiment_score":-0.05202379545315783,"num_words":47,"start":539.1,"end":569.975},{"sentences":[{"text":"Yeah.","start":578.675,"end":579.175,"sentiment":"neutral","sentiment_score":0.02000097930431366},{"text":"Okay.","start":588.68,"end":589.18,"sentiment":"neutral","sentiment_score":0.008140862919390202},{"text":"Yep.","start":598.935,"end":599.435,"sentiment":"neutral","sentiment_score":-0.12121953815221786},{"text":"Nobody never sees that.","start":604.77496,"end":606.475,"sentiment":"neutral","sentiment_score":-0.2564864680171013},{"text":"Oh, Kat, why are they not?","start":619.57,"end":621.11,"sentiment":"negative","sentiment_score":-0.40429872771104175}],"sentiment":"neutral","sentiment_score":-0.2726781487894746,"num_words":13,"start":578.675,"end":621.11},{"sentences":[{"text":"Oh, they can they can go get fucked because I don't have any of those.","start":636.39496,"end":640.975,"sentiment":"negative","sentiment_score":-0.482506263256073},{"text":"Like, how awful is that?","start":641.72,"end":643.74,"sentiment":"negative","sentiment_score":-0.42384408712387084},{"text":"I am gonna call UniSuper tomorrow, and I'm gonna fucking blast them.","start":661.025,"end":667.205,"sentiment":"negative","sentiment_score":-0.5624243666728338},{"text":"Right?","start":669.05,"end":669.55,"sentiment":"neutral","sentiment_score":-0.1329437494277954},{"text":"Fucking assholes.","start":672.65,"end":673.79004,"sentiment":"negative","sentiment_score":-0.7911198139190674}],"sentiment":"negative","sentiment_score":-0.5091740046228681,"num_words":35,"start":636.39496,"end":673.79004},{"sentences":[{"text":"That's disgusting.","start":680.97003,"end":682.11,"sentiment":"negative","sentiment_score":-0.47227931022644043},{"text":"Oh, okay.","start":694.565,"end":695.125,"sentiment":"neutral","sentiment_score":0.28400440514087677},{"text":"So I can do it in my will.","start":695.125,"end":696.665,"sentiment":"neutral","sentiment_score":0.32006631791591644},{"text":"Okay.","start":720.655,"end":721.155,"sentiment":"neutral","sentiment_score":0.003973439335823059},{"text":"Oh, I have to get one.","start":723.55,"end":725.17,"sentiment":"neutral","sentiment_score":0.13258418813347816}],"sentiment":"neutral","sentiment_score":0.1570241737522577,"num_words":19,"start":680.97003,"end":725.17},{"sentences":[{"text":"Oh my gosh.","start":727.55,"end":728.61,"sentiment":"neutral","sentiment_score":0.11497330168883006},{"text":"Yeah.","start":729.47,"end":729.95,"sentiment":"neutral","sentiment_score":0.17214016616344452},{"text":"I even have the little kids sitting in my it's probably expired.","start":729.95,"end":733.97,"sentiment":"neutral","sentiment_score":0.10678721343477567},{"text":"I paid $27 for it about three days 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okay.","start":788.54004,"end":789.2,"sentiment":"neutral","sentiment_score":0.07881056517362595},{"text":"Yeah.","start":848.79,"end":849.19,"sentiment":"neutral","sentiment_score":-0.006955781951546669}],"sentiment":"neutral","sentiment_score":-0.1090991301952224,"num_words":19,"start":760.08,"end":849.19},{"sentences":[{"text":"Absolutely.","start":849.19,"end":849.69,"sentiment":"neutral","sentiment_score":-0.008524619042873383},{"text":"Like, I don't I don't want to have to borrow money.","start":849.91,"end":854.435,"sentiment":"neutral","sentiment_score":-0.1491572271016511},{"text":"I don't, you know, I don't want I wanna be able to just be covered to leave have my bills covered, my mortgage covered, and my medical bills covered.","start":854.495,"end":866.675,"sentiment":"neutral","sentiment_score":-0.028381047577693545},{"text":"That's correct.","start":934.21,"end":934.95,"sentiment":"neutral","sentiment_score":0.10407136008143425},{"text":"I'd love to do 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different.","start":1868.315,"end":1876.575,"sentiment":"neutral","sentiment_score":-0.09458766356110573},{"text":"I know.","start":1880.0599,"end":1880.54,"sentiment":"neutral","sentiment_score":0.014665321446955204},{"text":"They're gonna give you a different I know.","start":1880.54,"end":1882.4,"sentiment":"neutral","sentiment_score":-0.07128972979262471},{"text":"That's why this whole thing is so overwhelming, like, you know.","start":1882.94,"end":1888.48,"sentiment":"neutral","sentiment_score":-0.26860092648051004}],"sentiment":"neutral","sentiment_score":-0.12207543795617919,"num_words":48,"start":1867.6749,"end":1888.48},{"sentences":[{"text":"Yep.","start":1899.8151,"end":1900.3151,"sentiment":"neutral","sentiment_score":-0.2024245709180832},{"text":"Uh-huh.","start":1902.6951,"end":1903.1951,"sentiment":"neutral","sentiment_score":-0.1421402245759964},{"text":"100%.","start":1913.58,"end":1914.4,"sentiment":"neutral","sentiment_score":-0.026402980089187626},{"text":"Yep.","start":1924.5751,"end":1925.0751,"sentiment":"neutral","sentiment_score":0.1927439272403717},{"text":"Yes.","start":1997.43,"end":1997.93,"sentiment":"neutral","sentiment_score":-0.07538601011037827}],"sentiment":"neutral","sentiment_score":-0.05072197169065475,"num_words":5,"start":1899.8151,"end":1997.93},{"sentences":[{"text":"Yeah.","start":2016.625,"end":2017.125,"sentiment":"neutral","sentiment_score":-0.080152228474617},{"text":"You should go to a car and say, see how quickly I'll help again.","start":2048.165,"end":2052.4,"sentiment":"neutral","sentiment_score":-0.2802711948752403},{"text":"That's ridiculous.","start":2054.94,"end":2055.5999,"sentiment":"negative","sentiment_score":-0.4586791396141052},{"text":"And I actually speak.","start":2056.6199,"end":2057.76,"sentiment":"neutral","sentiment_score":-0.023657401092350483},{"text":"Oh, that's awesome.","start":2068.7249,"end":2069.7048,"sentiment":"positive","sentiment_score":0.39441509048144024}],"sentiment":"neutral","sentiment_score":-0.1596954820367197,"num_words":24,"start":2016.625,"end":2069.7048},{"sentences":[{"text":"Oh, gosh.","start":2077.04,"end":2077.78,"sentiment":"neutral","sentiment_score":0.015299865044653416},{"text":"Oh my god.","start":2080.72,"end":2081.78,"sentiment":"neutral","sentiment_score":0.0023660684625307717},{"text":"Shit.","start":2083.36,"end":2083.86,"sentiment":"neutral","sentiment_score":0.06975370645523071},{"text":"Well, Alicia, a lot nicer than the majority of the people that I've spoken to.","start":2085.9202,"end":2091.815,"sentiment":"neutral","sentiment_score":0.20381810863812763},{"text":"I'll except for the last your colleague was really lovely.","start":2091.815,"end":2094.875,"sentiment":"neutral","sentiment_score":0.18659215569496154}],"sentiment":"neutral","sentiment_score":0.16227886543398903,"num_words":31,"start":2077.04,"end":2094.875},{"sentences":[{"text":"Fabian was really lovely.","start":2095.255,"end":2096.7148,"sentiment":"neutral","sentiment_score":0.14287511818110943},{"text":"But the other gentleman was really fucking rude and pushy.","start":2099.095,"end":2101.915,"sentiment":"negative","sentiment_score":-0.5763085097074508},{"text":"Yeah.","start":2105.76,"end":2106.26,"sentiment":"neutral","sentiment_score":0.032781392335891724},{"text":"Okay.","start":2108.9602,"end":2109.4602,"sentiment":"neutral","sentiment_score":0.09982115030288696},{"text":"Call me.","start":2116.4001,"end":2117.1401,"sentiment":"neutral","sentiment_score":-0.10635894164443016}],"sentiment":"neutral","sentiment_score":-0.29287222027778625,"num_words":18,"start":2095.255,"end":2117.1401},{"sentences":[{"text":"No problem.","start":2117.76,"end":2118.58,"sentiment":"neutral","sentiment_score":0.06728564947843552},{"text":"Honestly, I waited this long.","start":2122.615,"end":2124.155,"sentiment":"neutral","sentiment_score":-0.11167507618665695},{"text":"Like I'm right.","start":2124.295,"end":2126.795,"sentiment":"neutral","sentiment_score":0.026736763616402943},{"text":"Thank you.","start":2132.695,"end":2133.515,"sentiment":"positive","sentiment_score":0.6622126698493958},{"text":"Talk to you soon.","start":2134.8699,"end":2136.8699,"sentiment":"positive","sentiment_score":0.47339849919080734}],"sentiment":"neutral","sentiment_score":0.179651596583426,"num_words":16,"start":2117.76,"end":2136.8699},{"sentences":[{"text":"Oh my god.","start":2136.8699,"end":2137.59,"sentiment":"neutral","sentiment_score":0.17117207249005637},{"text":"Yeah.","start":2137.59,"end":2137.83,"sentiment":"neutral","sentiment_score":0.07728368043899536},{"text":"I'm so tired.","start":2137.83,"end":2138.81,"sentiment":"neutral","sentiment_score":-0.2878466248512268},{"text":"Gonna chill.","start":2140.63,"end":2141.53,"sentiment":"neutral","sentiment_score":-0.04432079382240772},{"text":"See you.","start":2141.91,"end":2142.63,"sentiment":"neutral","sentiment_score":0.26642338931560516}],"sentiment":"neutral","sentiment_score":0.015587746758352627,"num_words":11,"start":2136.8699,"end":2142.63},{"sentences":[{"text":"Bye.","start":2142.63,"end":2143.13,"sentiment":"neutral","sentiment_score":0.10505279153585434}],"sentiment":"neutral","sentiment_score":0.10505279153585434,"num_words":1,"start":2142.63,"end":2143.13}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: How did we go? Or Felder?\n\nChannel 1: Oh, yep. Thank god.\n\nChannel 0: Figured I'd give you a couple extra minutes.\n\nChannel 1: Stress there.\n\nChannel 0: Oh, I've I've pushed my car to the limit way more than I normally do lately\n\nChannel 1: Yeah.\n\nChannel 0: too.\n\nChannel 1: I'm like, this is not good for the motor.\n\nChannel 0: No. I know. Every time I do it, my husband turns around and goes, you're an idiot. Like, yeah. But I just didn't want to, and they were expensive.\n\nChannel 1: It's so bad for your motor.\n\nChannel 0: I know.\n\nChannel 1: End up putting all the shit in the bottom of the tank\n\nChannel 0: From\n\nChannel 1: through\n\nChannel 0: the\n\nChannel 1: the motor.\n\nChannel 0: through it. I know. I know. I'm a mechanic's daughter, so trust me. I know.\n\nAnd yet we still do.\n\nChannel 1: Yeah.\n\nChannel 0: Anyway,\n\nChannel 1: I know.\n\nChannel 0: where were\n\nChannel 1: Sorry\n\nChannel 0: we?\n\nChannel 1: about that.\n\nChannel 0: No. Don't apologize. Absolutely fine. I've got to grab a drink of water, pop up to the loo, so I was I was happiest. Okay.\n\nSo currently yeah. With regards to that, that's where we fit, so that's fine. And you said that you're just taking care of it through heat packs and Voltara and stuff like that, Pedal. So that's\n\nChannel 1: Yeah.\n\nChannel 0: okay there.\n\nChannel 1: Like yeah.\n\nChannel 0: Right. No. Absolutely. Now I wanted to ask, previously, did you ever have you ever been through an application for insurance, or did you like,\n\nChannel 1: No.\n\nChannel 0: have you applied? You've never applied to\n\nChannel 1: Never.\n\nChannel 0: alright.\n\nChannel 1: I'll tell\n\nChannel 0: That's\n\nChannel 1: you.\n\nChannel 0: good.\n\nChannel 1: So when I first took out my TPD and life insurance through Commonwealth Bank, the in all of the the planner there,\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: he was like, I wouldn't, you know, I I wouldn't go I wouldn't apply for it, you know, because you won't get it because of, like, like, your mental health. And I'm like, okay. That's well, firstly, that's discrimination, but okay. He totally really made me quite scared about getting like, even going for it because he didn't even explain you can have exclusions or whatever. He was like,\n\nChannel 0: Yeah.\n\nChannel 1: oh, no. I wouldn't go for it. Anyway so yes.\n\nChannel 0: See,\n\nChannel 1: But\n\nChannel 0: I\n\nChannel 1: no. I I've never gone for it.\n\nChannel 0: right. Because so so, like, to to to break it down 100%, you can be declined cover from a provider. All that happens is you're declined. If you ever go and apply for\n\nChannel 1: Yes.\n\nChannel 0: cover in the future, you have to notify that that new provider that you were declined for cover. It's\n\nChannel 1: Yes.\n\nChannel 0: it's not the end of the world. The biggest part is is that, like, unless you've had suicidy suicidal ideation or suicidal\n\nChannel 1: Yeah.\n\nChannel 0: attempts, you're not gonna get declined based on mental health.\n\nChannel 1: Yes.\n\nChannel 0: So I don't know why that broker was\n\nChannel 1: You're the d k.\n\nChannel 0: saying no. Yeah. Unless he was specifically like, he was just pushing a comm product, and at\n\nChannel 1: Oh,\n\nChannel 0: the\n\nChannel 1: 100\n\nChannel 0: time,\n\nChannel 1: 100%.\n\nChannel 0: okay, and at the time, CommWell may have had just a a bit of a because they don't get me wrong. There was a period of time, specifically during COVID and post COVID for about twelve months or so, where providers were getting really tight lipped about any mental health, because there was a lot more cases that were coming out because we were locked inside, stuff like that,\n\nChannel 1: I'm\n\nChannel 0: but other\n\nChannel 1: talking about a good twenty years ago.\n\nChannel 0: ah, good.\n\nChannel 1: Like, I'm, like, I'm talking, like, I I don't know. Like, this is my second mortgage. I don't know. When did I take my I don't know. Like, what are we now?\n\n2026? Okay. I exaggerated. Probably, like no. 2026.\n\nMe okay. Fuck. I didn't even know what year it's. Maybe 2032, 2013?\n\nChannel 0: Yep.\n\nChannel 1: Okay. That's not twenty years ago. I exaggerated.\n\nChannel 0: That's close.\n\nChannel 1: It\n\nChannel 0: It's sort\n\nChannel 1: it\n\nChannel 0: of\n\nChannel 1: feels\n\nChannel 0: you\n\nChannel 1: like\n\nChannel 0: know?\n\nChannel 1: twenty years ago.\n\nChannel 0: That's basically twenty years ago. Nah. That's, you know, like, thirteen years\n\nChannel 1: So\n\nChannel 0: ago. Same\n\nChannel 1: yeah.\n\nChannel 0: thing.\n\nChannel 1: No. No. I have I haven't had yet attempts or anything like that whatsoever.\n\nChannel 0: Okay. And you have a a life a life insurance policy trauma policy with AIA?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Is does that have any exclusions, loadings, anything? Nothing. Okay. Cool.\n\nChannel 1: Yeah. And I also have it through my super as well,\n\nChannel 0: Yes. Yeah. You have the\n\nChannel 1: which I\n\nChannel 0: the\n\nChannel 1: want to figure out. This is the other thing that\n\nChannel 0: UniSuper.\n\nChannel 1: the other company I for your company. I don't know. I'm confused now who I'm talking to.\n\nChannel 0: Yeah. No. That's okay. The the other adviser. Yep.\n\nChannel 1: He said that the advisers said to keep them both. And I'm like, but, like, isn't that inefficient or isn't that, like, a waste of money\n\nChannel 0: Yes and no.\n\nChannel 1: If I'm paying for it and it's also in my cover, I'm\n\nChannel 0: Like,\n\nChannel 1: gonna be dead.\n\nChannel 0: yes. Yeah.\n\nChannel 1: I'm literally gonna die\n\nChannel 0: Yeah.\n\nChannel 1: and I've got no dependents. Who the fuck am I gonna give the money to?\n\nChannel 0: I think I think that's probably where things fit more so. Like, the so the policy you have inside your uni super is a life and a TPD or a total permanent disability. You can't you can't have the total permanent disability without the life in your super\n\nChannel 1: Yes.\n\nChannel 0: fund. The way it's structured, it has to stay like that. They're attached to each other. It means it means it's cheaper as well. You only pay $315 an annum for that for the the two policies.\n\nSo that's happy days. It's not overly expensive. It's there. It's only\n\nChannel 1: Okay.\n\nChannel 0: two\n\nChannel 1: Okay.\n\nChannel 0: $118,000. Don't get me wrong. It's not gonna pay the debt off from our mortgage, but that plus your superannuation balance, you get pretty close to paying this your your mortgage off. And then theoretically, right this second, if something happens, you'd have center link income to live off. Not the greatest outcome, but you're not you know, it's it's not awful.\n\nThe AIA policy is probably the biggest question mark. Sorry. What were you gonna say?\n\nChannel 1: I've never been on Centrelink in my life. I've always worked. I've always, you know, gone from job to job. I've never rely on yeah.\n\nChannel 0: No. And and we wanna we wanna the whole point of insurance is the same same reason why we insure our cars, we insure our house, is because if that thing happens, we wanna have that contingency plan, and that's\n\nChannel 1: Exactly.\n\nChannel 0: what the insurance policy is there for. If you were never able to work again or you got sick or ill or injured, we wanna\n\nChannel 1: Yeah.\n\nChannel 0: have a policy in place to protect you.\n\nChannel 1: Okay. So you think AIA, you're a bit iffy about it?\n\nChannel 0: It's it's not it's not the provider. It's not anything else. It's just the fact that you have a $1,200,000 worth of worth of life\n\nChannel 1: Exactly.\n\nChannel 0: insurance.\n\nChannel 1: That's what I'm saying to you.\n\nChannel 0: Like, it make it makes no sense why you have that much worth of life insurance.\n\nChannel 1: So I'll give you\n\nChannel 0: When\n\nChannel 1: context to to context to it as well. It went\n\nChannel 0: Yeah.\n\nChannel 1: from ComBank to Colonial First State. It got bought out by somebody else, and now it's AIA. It was originally a ComBank product.\n\nChannel 0: Yep.\n\nChannel 1: That's why.\n\nChannel 0: Yep. Cool. Yeah. There's been a lot of acquisitions of light. Cool.\n\nSo she's yes. Okay. That's fine. Look. AIA are great.\n\nI've I use AIA. I've claimed through them before for clients. They're they're in no way shape or form a bad provider. And you have so realistically, across the two policies, you have sort of 1,500,000.0 in life insurance. You have 218,000 in total permanent disability, and then you have the 143,000 in trauma.\n\nNow trauma policy pays out if you were to be diagnosed with your major medical traumas. So it's your heart attack, your cancer, your stroke, your neurological conditions. So it it's completely different to what your PPD insurance covers because PPD means you have to meet the total and permanent definition, whereas\n\nChannel 1: Uh-huh.\n\nChannel 0: your trauma policy pays out pretty immediately. And when I say immediately, within a couple of weeks upon the diagnosis\n\nChannel 1: Okay.\n\nChannel 0: of a one of those conditions. So if we did get cancer, god forbid, touch wood, we're covered from that point of view.\n\nChannel 1: Okay.\n\nChannel 0: So I have no qualms with that policy existing. I think I definitely wanna know a little bit about it. So if you're able to find a like, the policy schedule for it.\n\nChannel 1: I sent it to the lady.\n\nChannel 0: Fantastic. You did.\n\nChannel 1: I already\n\nChannel 0: I I\n\nChannel 1: sent\n\nChannel 0: wasn't\n\nChannel 1: it\n\nChannel 0: sure.\n\nChannel 1: over from\n\nChannel 0: Perfect. No. That's okay. I I didn't\n\nChannel 1: both of\n\nChannel 0: I didn't\n\nChannel 1: them.\n\nChannel 0: have an good. No. I I know that I had your super policy through. I just didn't see the AAA insurance, but I'll I'll have a chat to her and\n\nChannel 1: I\n\nChannel 0: make sure\n\nChannel 1: sent\n\nChannel 0: that I get that.\n\nChannel 1: I sent the one I sent the one that's that I pay fortnight or fucking fortnight before.\n\nChannel 0: Yep.\n\nChannel 1: It's like $81 or something.\n\nChannel 0: Yeah.\n\nChannel 1: And I sent the other one as well.\n\nChannel 0: Good. Cool. That's good. Alright. Because what I'll do is I'll compare them against the market to see what we can do on the market, see where I can get that premium come down,\n\nChannel 1: Yeah.\n\nChannel 0: have a have a look at the features that are obviously in that policy to make sure that I'm not cutting any features off, and see where we can go with respect to everything sitting there. Now\n\nChannel 1: Okay.\n\nChannel 0: one of the issues I saw on your account when I was running through everything was that your beneficiaries on your uni super, you've nominated your mom and your sister.\n\nChannel 1: Yep.\n\nChannel 0: They're actually nonvalid nominations. As silly and stupid as it sounds,\n\nChannel 1: Nobody\n\nChannel 0: I know\n\nChannel 1: never sees that.\n\nChannel 0: I know. And the super funds don't because they basically state that, well, we let you know that you have to read the legislation, and the legislation says it clearly. The legislation doesn't. The legislation's boring to read for any normal person.\n\nChannel 1: Oh, Kat, why are they not?\n\nChannel 0: So superannuation legislation dictates that under it's the CIS Act, s I s, Act, that a valid beneficiary is a financial dependent, a child, a spouse. So if\n\nChannel 1: Oh, they\n\nChannel 0: mom\n\nChannel 1: can\n\nChannel 0: and\n\nChannel 1: they can go get fucked because I don't have any of those. Like,\n\nChannel 0: yeah. So\n\nChannel 1: how awful is that?\n\nChannel 0: if mom and sister are living with you, that's fine. But if not, it's not. Now don't get me wrong. What would happen if something happens to you tomorrow is that, basically, your your estate would settle. It it would settle.\n\nIt just it's gonna take longer for it to settle because the trust\n\nChannel 1: I am gonna call UniSuper tomorrow, and I'm gonna fucking blast them.\n\nChannel 0: it's okay.\n\nChannel 1: Right?\n\nChannel 0: I that's what I'm here to do, just to sort it all out.\n\nChannel 1: Fucking assholes.\n\nChannel 0: I have the issue all the time. Like, I have clients that try and leave it to their mates, and we can.\n\nChannel 1: That's\n\nChannel 0: We can still\n\nChannel 1: disgusting.\n\nChannel 0: give we can we can still make sure that mom and sister gets it. We can we can nominate all of the sisters if we want to. We don't have to pick one of them. We can pick none of them. We just have to do it through a will.\n\nAnd the good\n\nChannel 1: Oh,\n\nChannel 0: the\n\nChannel 1: okay.\n\nChannel 0: cool thing\n\nChannel 1: So I can do it in my will.\n\nChannel 0: yeah. The good thing about the will, it means that we can we can have the house taken care of as well. We can have the bank accounts taken care of. We can have the cars taken care of, and we we can we can look after all the assets that you own, whereas the beneficiary nomination just looks after the super funds. So we just ignore the beneficiary nomination.\n\nWe nominate what's called your legal personal representative, which is your estate, and I can help you take care of all of that from that point of view. I know\n\nChannel 1: Okay.\n\nChannel 0: you don't have a will yet, but I know it's on your to do list. If you're like\n\nChannel 1: Oh,\n\nChannel 0: me,\n\nChannel 1: I have\n\nChannel 0: it\n\nChannel 1: to get one.\n\nChannel 0: it's been on your to do list for a good decade or so.\n\nChannel 1: Oh my gosh. Yeah. I even have the little kids sitting in my it's probably\n\nChannel 0: Stop it.\n\nChannel 1: expired. I paid $27 for it about three days ago.\n\nChannel 0: Oh, yep. I I I have I have one as well. How old? My eldest is 13, and I got I bought a wheel kit, same thing, paid the the $30 or whatever it was at the time for it,\n\nChannel 1: Yeah.\n\nChannel 0: and I still have it. Never used it. Haven't used it. Went and paid a thousand dollars to get one done up by a lawyer because I just realized that I was too lazy and I was never gonna get it done.\n\nChannel 1: Have\n\nChannel 0: And\n\nChannel 1: you seen\n\nChannel 0: yeah.\n\nChannel 1: how small the writing is on that document?\n\nChannel 0: Oh, it's tiny. I know. It's\n\nChannel 1: It's\n\nChannel 0: ridiculous.\n\nChannel 1: awful.\n\nChannel 0: I know. I know. It's an absolute pain. The good thing is is there are some online services that you can use these days, and your estate looks pretty simple. Like, we're not you know, we don't have any trusts or any companies or anything crazy like that.\n\nChannel 1: It's\n\nChannel 0: So,\n\nChannel 1: very simple.\n\nChannel 0: yeah, we could probably just go through an online service if you don't wanna go sit with a lawyer or\n\nChannel 1: Oh, okay.\n\nChannel 0: the the will kit if you eventually get around to doing it. Yeah. Cool. So I guess from the insurance point of view, what would we wanna cover? We obviously have the debt, so we wanna make sure that the the mortgage is paid off, and we're specifically focusing on on our disability covers.\n\nWe don't care about life insurance as you've already said. But from a from a disability point of view, you would want the the mortgage paid. So we can definitely take care of that. If you were never able to work again, you're young. And if I don't say say that you're young, then that means that I'm not young and that's gonna make me sad because I'm in I'm I'm only a few years behind you.\n\nSo so what what what would we wanna replace? We would do we wanna replace our income for a few good years so that way, you know, the mortgage is paid off and we can have income replacement still coming in so we're not central independent.\n\nChannel 1: Yeah. Absolutely. Like, I don't I don't want to have to borrow money. I don't, you know, I don't want I wanna be able to just be covered to leave\n\nChannel 0: Yeah.\n\nChannel 1: have my bills covered, my mortgage covered, and my medical bills covered.\n\nChannel 0: Okay. Perfect. So I'll do the math on what that number looks like, and then I'm gonna start quoting and having a look. I will try like, I'll I'll look at cheap premiums, but good products. Okay?\n\nSo I'm not gonna go off the cheap and nasty. I'm not gonna go off the most expensive. I'm not ever interested in doing that. I have never been an insurance pusher. I honestly I I I see the benefit.\n\nI've been in claims. I've done claims for the last half a decade of my of my career. I've been in the industry for for near near on a decade, and I've done specifically claims for five years. And in that five years, I definitely see the benefits of insurance, and I know that it's beneficial. But I am not anyone that's ever gonna push insurance to a degree that's more than what you would need.\n\nSo I just wanna make sure that I've got my figures right. Income is a $100,000 a year. Our expenses are about $800 a week, and we put about $300 a week into savings, and our mortgage is costing us, 639 a week.\n\nChannel 1: That's correct.\n\nChannel 0: Cool. Good to know. Now we're open to putting money into our superannuation from a bit of a tax minimization point of view.\n\nChannel 1: I'd love to do that.\n\nChannel 0: Cool. I can look at that from a point of view where we're gonna save. The money that we're putting into savings, so the $300 a week that we're putting into savings, what is that directed towards? Do we have a goal that we're we're utilizing that money for or anything that you're\n\nChannel 1: Look,\n\nChannel 0: specifically\n\nChannel 1: the\n\nChannel 0: doing?\n\nChannel 1: 3 the 300 was a little bit conservative.\n\nChannel 0: That's okay.\n\nChannel 1: That's why I can money. Let's say I well, look, some months it's there, some months it's not. Only because, I mean, I live in a unit. So that money tends to go towards my my what's it called? My Strada levy and, you know, stuff like that.\n\nSo\n\nChannel 0: Yep.\n\nChannel 1: I'm not I'm not really saving for anything special. It's more\n\nChannel 0: Yeah.\n\nChannel 1: for a rainy day. I mean, I like to have an emergency fund.\n\nChannel 0: Absolutely.\n\nChannel 1: And\n\nChannel 0: Yep.\n\nChannel 1: then I had a couple of bills, and that was it. It was gone. So\n\nChannel 0: Yeah.\n\nChannel 1: now I'm back to building up my my emergency fund again.\n\nChannel 0: Yeah. Cool. How much do you wanna get in that emergency fund? So we like, a $2, $5, $10 kind of emergency fund, girl.\n\nChannel 1: I'd love I'd love 5. Yeah. I'd love 5.\n\nChannel 0: Yep. Okay. So what I'll do is I'll factor that in to basically grow that. And then once that's once that's at the point, so, you know, x number of weeks at $300 a week, blah blah blah blah,\n\nChannel 1: Yeah.\n\nChannel 0: get us our emergency fund, and we can go from there. With with tax minimization, I'm obviously just gonna do it to a capacity where we're not gonna lose too much of our income because, obviously, any money that we put into our superannuation fund is gonna be locked away. We're not gonna be able to touch it till we retire. So I don't wanna be going and throwing $300 a week in there. And I just wanna be clear.\n\nThat's not that's not the\n\nChannel 1: Yeah.\n\nChannel 0: outcome.\n\nChannel 1: Yeah. You know, I mean, I think even, like, what, a $100 a week would make such a difference.\n\nChannel 0: Yeah. Absolutely. But I wanna make sure that we can still get that emergency fund banked up first and\n\nChannel 1: Yeah.\n\nChannel 0: look at\n\nChannel 1: Fair enough.\n\nChannel 0: look at how, yeah, how that would work. Because I wanna you know, having an emergency fund is important. Even when I was, you\n\nChannel 1: Yeah.\n\nChannel 0: know, 16, 17, 18, I always kept a couple of grand for an emergency. I remember I\n\nChannel 1: Oh\n\nChannel 0: remember\n\nChannel 1: my\n\nChannel 0: having\n\nChannel 1: god.\n\nChannel 0: to\n\nChannel 1: How good were you?\n\nChannel 0: I know. I know.\n\nChannel 1: Fucking\n\nChannel 0: My mother\n\nChannel 1: hell.\n\nChannel 0: taught me. My mother taught me well.\n\nChannel 1: Oh,\n\nChannel 0: And\n\nChannel 1: I'm see,\n\nChannel 0: and\n\nChannel 1: I\n\nChannel 0: life\n\nChannel 1: had\n\nChannel 0: happens.\n\nChannel 1: Vulcan parents that had no idea about\n\nChannel 0: Yeah.\n\nChannel 1: financial interest in.\n\nChannel 0: Yep.\n\nChannel 1: I'm only, like, teaching myself that now, you know, in my forties. Like and I'm learning it all through, like, ladies finance club.\n\nChannel 0: Beautiful. Oh, good. And and and it happens. Like, school doesn't teach you. If our parents don't know, they only teach what they know.\n\nSo it becomes\n\nChannel 1: Yeah.\n\nChannel 0: hard. It is hard. On the topic of parents, I know we have a number of siblings, which is great. Again, love a good sisterhood. But are we looking at any kind of wealth transfer?\n\nDid mom and dad have any money behind them? Is there something that I need to factor in from that point of view? Are mom and dad still young, still going?\n\nChannel 1: No. So my old man dad passed away, obviously, like, a year and a half ago.\n\nChannel 0: Yep.\n\nChannel 1: Mom's 82. She's\n\nChannel 0: Get\n\nChannel 1: alive\n\nChannel 0: it,\n\nChannel 1: and\n\nChannel 0: mom.\n\nChannel 1: kicking that lady. I swear.\n\nChannel 0: Yes. She is.\n\nChannel 1: She's a machine. She's very independent,\n\nChannel 0: Beautiful.\n\nChannel 1: still at home, like, in the house.\n\nChannel 0: Yep.\n\nChannel 1: The assets are in the house, not cash in the\n\nChannel 0: Okay.\n\nChannel 1: bank.\n\nChannel 0: Yep. That's okay. Alright. So the only asset transfer that we'd be looking at is is the house.\n\nChannel 1: That's\n\nChannel 0: Do we\n\nChannel 1: yeah.\n\nChannel 0: that's fine. That that's okay. So that will happen when it happens, and that's something we can factor in when things happen. And, obviously, depending on how mom wants that asset to go, whether it gets divided between you and your siblings or whether,\n\nChannel 1: Yes.\n\nChannel 0: you know, between\n\nChannel 1: It's divided between us.\n\nChannel 0: yeah. And then depending on how you guys wanna want that to operate, you guys might decide to keep it and have it as an investment property. You might\n\nChannel 1: That's\n\nChannel 0: decide\n\nChannel 1: not\n\nChannel 0: to\n\nChannel 1: gonna\n\nChannel 0: sell\n\nChannel 1: happen.\n\nChannel 0: it. Cool. We're selling it.\n\nChannel 1: We're we're selling it. It's like yeah. We're\n\nChannel 0: Absolutely.\n\nChannel 1: selling it.\n\nChannel 0: Cool. So that that means that, you know, we'll we can deal with that when it comes. It's something I always\n\nChannel 1: Yeah.\n\nChannel 0: like to kind of have as a topic with conversation with any kind of potential client because there is a massive wealth transfer that will happen over the next twenty years plus thirty years. So it's always something good to consider as to what happens at that point. Obviously, we can't factor it in, but, you know, when and if that unfortunately does happen, we know it's always inevitable. But when it does happen, we'll we can cross that bridge at that time, and we can have a discussion\n\nChannel 1: I did\n\nChannel 0: about it all.\n\nChannel 1: I did say to I think his name was Jacob.\n\nChannel 0: Yeah.\n\nChannel 1: I did say to him that I would like to buy another property. Like, I live in a two bedroom unit now that I don't like.\n\nChannel 0: Yeah.\n\nChannel 1: I would like to have, like, live somewhere else. Like, this place where I live now was always going to be an investment\n\nChannel 0: Yep.\n\nChannel 1: because it's so it's like one street away from the train, the shops, and everything.\n\nChannel 0: Yep.\n\nChannel 1: I don't see myself living here forever. So whether yes. I I wouldn't mind buying something else. And if it means selling this, buying something, and then buying something through my super, I yeah. I don't know that I have enough, but I know you have to have a certain no income to buy through your super.\n\nChannel 0: Yeah. You you do.\n\nChannel 1: Yeah.\n\nChannel 0: Look where are we getting there? It's really sort of that $300,000 mark is kind\n\nChannel 1: Okay.\n\nChannel 0: of where you wanna be at. And we can definitely look at bridging into an SMSS because that's what you're talking about as a self managed super fund.\n\nChannel 1: Yeah.\n\nChannel 0: That's the only way that we can buy a property. We can definitely look at doing that when we hit that bridge. Or,\n\nChannel 1: Yeah.\n\nChannel 0: alternatively,\n\nChannel 1: Okay.\n\nChannel 0: if you wanna keep the asset held personally because the the restriction is that if you own if you own the property through a self managed super fund, you have to have an arm's length, which means that you can't live in it. You can't\n\nChannel 1: Yeah. Of course. Is it an investment?\n\nChannel 0: yeah. Yeah. But what\n\nChannel 1: Absolutely.\n\nChannel 0: can happen is when we retire, that property meets a condition of release, and you could actually move into that property at retirement.\n\nChannel 1: How cool?\n\nChannel 0: So there is still ways that you can through asset transfer and stuff like that, but we just need to really consider how that would look for you if we did that at, you know, looking at, you know, where you wanna buy prices and stuff like that.\n\nChannel 1: Okay.\n\nChannel 0: The reason it's towards 300,000, while you can do it at 200,000, it means that you are pretty much, like, bang on being able to, you know, service or not service. So\n\nChannel 1: Uh-huh.\n\nChannel 0: it becomes\n\nChannel 1: Go\n\nChannel 0: really, really hard to service a property\n\nChannel 1: ahead.\n\nChannel 0: when the only asset you have is the property. If any of your, you know, tenants move out and you have a couple of week gap, it becomes really difficult from a cash holding point of view\n\nChannel 1: Yeah.\n\nChannel 0: in being able to service the property ongoing. So having\n\nChannel 1: Yep.\n\nChannel 0: that little bit more three to three fifty gives you that bit of a a bridge to be able to actually service the property and, you know, have\n\nChannel 1: Yes.\n\nChannel 0: the cash flow to do everything you need to do with an investment property. You know, you still have all the overheads.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: So we can focus on that as a, you know, a a goal for you. Alternatively, you know, equity within your property could also see you being able to purchase it personally.\n\nChannel 1: Yeah. Yeah. Yeah. That's what I'm definitely, in the next five years,\n\nChannel 0: Yeah.\n\nChannel 1: I definitely will be, yeah, buying something else.\n\nChannel 0: Cool. Yeah. Equity, buy again.\n\nChannel 1: Yes.\n\nChannel 0: And I could see you basically buying maybe a property for you while you rent this one out. So, like, the your current property out. So that's, yeah, definitely something we can kinda look at from that point of view as well. Okay. So what I will do from here is I'm gonna go and research everything.\n\nSo I'm gonna go and have a look at the insurance side of things. That's gonna be conversation I have to have tomorrow with my insurers. I'm pretty honestly confident that we're gonna be fine, but it's always something that I like to, you know, engage the insurers just if I'm dealing with multi, you know, health issues.\n\nChannel 1: Yep.\n\nChannel 0: But I I I I I'd be again, ten years, I don't really have too much of an issue. We will be looking into mental health. We will be looking at a back exclusion. Gonna be open and honest\n\nChannel 1: Yeah.\n\nChannel 0: about that, but I'm gonna go and still ask the question. The perimenopause preventative is not concerned about it. That's fine. I'll have a look at where my insurers sit, which one's best option from a features point of view, where they sit for your occupation, and what happens there, your in a sedentary job, so happy days. There's not gonna be anything too crazy from that point of view.\n\nI think the the the biggest part is just where it falls cost wise, how much we're gonna insure you for, and I'll run all those figures. And then I'll have a look at your superannuation fund seeing where we can move from, you know, an investment point of view, seeing how we can invest you to get a little bit better of an a compounding growth. You did come up as a, you know, pretty aggressive investor, which is fantastic. So we can definitely look at yeah. Yeah.\n\nSo the the there there's really obscure questions about investing. You you\n\nChannel 1: Alright.\n\nChannel 0: came out of you came out of you know, not you you came out as quite an aggressive investor. Like, you're happy to take risk. You're you're happy to, you know, take on a loan to get a property to to to invest. You, you know, you wanna see growth out of your out of your out of your investment. You're not looking to be conservative yet.\n\nYou're not looking to to to wind down. We're not, you know, closing our eyes and taking a nap and ready to retire. We're still kicking. We're still going.\n\nChannel 1: Yeah.\n\nChannel 0: So that means that we can take that that perseverance and keep going with it. Because the longer we're in the market, the better outcome we have, and we still got a good nearly thirty years. So we can definitely start using that and get that all happening from that point of view.\n\nChannel 1: Yep.\n\nChannel 0: I think that the the biggest or the the best thing to do is just to sort of look at, obviously, conservative value based assets that we invest in. We're not gonna go risky assets. We're not gonna go, you know, new start up businesses or anything like that. We're not gonna stock trade. We're gonna look at robust diversification.\n\nSo means that we're gonna\n\nChannel 1: Yes.\n\nChannel 0: make sure that we invest across the market so that way if there is a dip, a turn, or whatever the case may be, that we have a really good market section so we're not gonna, you know, drop out and and lose all of our money. We\n\nChannel 1: Yeah.\n\nChannel 0: wanna make\n\nChannel 1: I'd\n\nChannel 0: sure that\n\nChannel 1: I'd\n\nChannel 0: we're\n\nChannel 1: like that.\n\nChannel 0: we're investing smart. We\n\nChannel 1: Yeah.\n\nChannel 0: don't wanna be paying exorbitant fees. We wanna make sure that we're sitting really nicely in in a good portfolio that's gonna give us value. So I'll look at how to put that portfolio together for you to get us, like, a bit of an aggressive overlay. So investing more so in the market and less conservatively. And what I mean from investing more in the market and less conservatively is when it comes to investments, you cash is an investment.\n\nRight? It is actually an investment. You know, you it generates the cash rate. So, you know, money sitting in the bank each month, the bank pays you a little bit of an interest. It is the most conservative investment you can pretty muchly get.\n\nRight?\n\nChannel 1: Kinda\n\nChannel 0: So\n\nChannel 1: does\n\nChannel 0: whilst\n\nChannel 1: nothing for you, though.\n\nChannel 0: it doesn't. No. So whilst it is an investment, it's a very conservative investment.\n\nChannel 1: Yeah.\n\nChannel 0: There are other other investments along those lines you can get. Government bonds, bank bonds, you know, fixed interest products. They're all conservative investments. They generate kind of three to 5% return depending on what the investment is. Nothing crazy, nothing high, pretty conservative.\n\nThey can fall down depending on how the market's going, but sometimes they're there to cushion a a a a a portfolio. Probably gonna stay away from majority of those because you are someone that's willing to take a little bit more risk. But, again,\n\nChannel 1: Yeah.\n\nChannel 0: conservative risk. Thought risk. We're not gonna, you know, go and throw it all in in all black and fingers crossed. No. We don't either.\n\nSo we focus on good solid blue stock companies. We we focus on good robust markets, and we look at long term investments. So\n\nChannel 1: Yes.\n\nChannel 0: whilst there can be volatility in the immediate, we're looking for the long term. Okay? And specifically because, you know, we we've got a couple good decades before we're looking to touch the money. We have the time to kind of weather those little storms that do happen.\n\nChannel 1: Yeah.\n\nChannel 0: So I'll look at how to put all of this together, looking at some contribution strategies, looking at, you know, mixing up our our superannuation investments and looking at our insurance. I'm gonna look at our income protection, obviously, replacing our income. Now I wanna be clear that we can only replace our income up to 70%. So a $100,000, I'm only gonna be able to replace 70,000 of it per year.\n\nChannel 1: Yes.\n\nChannel 0: The products limit us to that.\n\nChannel 1: Uh-huh.\n\nChannel 0: Is that okay? That's okay?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Something's\n\nChannel 1: So\n\nChannel 0: better\n\nChannel 1: it is\n\nChannel 0: than nothing?\n\nChannel 1: it is what it is, isn't it? I need\n\nChannel 0: Yeah.\n\nChannel 1: to go and get a better job so I can increase my my baseline.\n\nChannel 0: 100%. Let me know, and I can increase it from there. But I'll I'll start out with that, and then what I'll do is Fabian's booked us in to have a chat Thursday. And what what we're gonna do Thursday, we'll go through the advice that I put together over the next couple of days.\n\nChannel 1: So the the last person that I spoke to, they also suggested that UniSuper was not the best fund for me.\n\nChannel 0: Yep.\n\nChannel 1: So where does that fall in all this? They recommended that I go with another company.\n\nChannel 0: Yep. So I I will look at UniSuper from an investment point of view. There are hundreds of of of of of super funds and thousands of investment options.\n\nChannel 1: Yes.\n\nChannel 0: So for me to remember all of them, look, I'm good. For me to remember all of them, I don't. I I research because the research puts my money where where my my where my mouth is.\n\nChannel 1: Yeah.\n\nChannel 0: I I look at UniSuper, and trust me, I've looked at it probably five times this week. But I look at UniSuper from a product point of view, from an investment offering point of view, from an historical performance, from a fees point of view to see where it's sitting. Is it you're sitting in a high growth investment structure, but if memory serves, their high growth isn't that invest isn't that aggressive. They don't really\n\nChannel 1: Yeah.\n\nChannel 0: have an aggressive investment option.\n\nChannel 1: That's what I was saying.\n\nChannel 0: Their performance is not bad if memory serves again. But, again, I've looked at quite a number of super funds this week alone, and we're only on Tuesday. So their their their performance hasn't been bad, but if there's something we can do that's a little bit better, let's do it.\n\nChannel 1: So\n\nChannel 0: When\n\nChannel 1: yeah.\n\nChannel 0: it comes\n\nChannel 1: That's what\n\nChannel 0: to the\n\nChannel 1: I'd be curious if your your analysis is gonna be the same as theirs or, you know, like, all kind of, like, different.\n\nChannel 0: yeah. Look. I could you could talk to five advisers and\n\nChannel 1: I\n\nChannel 0: get\n\nChannel 1: know.\n\nChannel 0: five\n\nChannel 1: They're gonna\n\nChannel 0: outcomes\n\nChannel 1: give you\n\nChannel 0: that\n\nChannel 1: a different\n\nChannel 0: are totally\n\nChannel 1: I know.\n\nChannel 0: different.\n\nChannel 1: That's\n\nChannel 0: And\n\nChannel 1: why this whole thing is so\n\nChannel 0: the\n\nChannel 1: overwhelming, like,\n\nChannel 0: yeah.\n\nChannel 1: you\n\nChannel 0: And\n\nChannel 1: know.\n\nChannel 0: the the out the outcomes will be similar but different. And it sometimes it's product. Like, look, AustralianSuper, UniSuper, they're all pretty much the same when it comes to industry funds. They're very\n\nChannel 1: Yep.\n\nChannel 0: limited in what they can offer you investment wise. The\n\nChannel 1: Uh-huh.\n\nChannel 0: product is there specifically to limit what they offer to make it dirt cheap. But it also means that they bulk they bulk have everyone through. You're a number, not a person.\n\nChannel 1: 100%.\n\nChannel 0: And that's why they don't care what you've nominated on your super funds as your beneficiary. Whereas what I do is I work with what's called a retail product that\n\nChannel 1: Yep.\n\nChannel 0: has thousands of investment offerings where I can purpose built portfolios for my clients, and I can invest in the ASX. I can invest in cryptocurrency adjacent products if I wanted to. I don't generally, but if I wanted to. I can invest in specific stock options if I wanted to. So if you you had a a a pent up need to invest in Tesla, we could invest in Tesla direct.\n\nThere's options that I have that are available that aren't there under under an industry fund. And that's why an adviser can be more beneficial because we have options like that are that are available. Generally, the platform, they're all same same, but different. They all do have different features and different options and and stuff like that, but a a retail products are very similar in the way that they offer, you know, the same kind of service through an adviser. It's the same as retail products.\n\nThey're offering the the not retail. Sorry. Your industry funds are offering very much the same same service. A retail provider sorry. An industry provider like your UniSuper, your AustralianSuper, they're just offering cookie cutter made investment portfolios.\n\nThere's absolutely nothing\n\nChannel 1: Yes.\n\nChannel 0: wrong with that and nothing wrong with that. I'm not gonna, you know, slam the industry funds because they've they've been doing it for decades, and they they do do a half decent job. But, again, you're not a personal per you're not a personalized person. You're a number, and they're not giving you that personal service. I\n\nChannel 1: Yeah.\n\nChannel 0: have client clients that try and retire by themselves. I have a client that I'm working with at the moment, pro bono. She's in her seventies, and she's trying to retire, and AustralianSuper has not helped her in any way, shape, or form. And I've sat down and done all the documents to help her get her retirement because AustralianSuper has rejected all of her retirement documents, and they won't help her on how on how to retire. And the whole point in why they're supposed to be there is to help, and they won't help her.\n\nAnd she is a 70 year old who has no idea how to computer.\n\nChannel 1: You should go to a car and say, see how quickly I'll help again. That's ridiculous.\n\nChannel 0: Possibly. Yeah.\n\nChannel 1: And I actually speak.\n\nChannel 0: Yeah. So the whole reason why I'm here and like I said at the beginning of our phone call, I'm one of those workaholic people. So I really enjoy doing what I do. It sounds\n\nChannel 1: Oh, that's\n\nChannel 0: so\n\nChannel 1: awesome.\n\nChannel 0: it sounds so silly, but I do. It's why I do the long nights. I'm gonna be honest. I've been here for twelve hours already.\n\nChannel 1: Oh, gosh.\n\nChannel 0: Yep. And I'll be here for a couple more, and\n\nChannel 1: Oh\n\nChannel 0: that's okay.\n\nChannel 1: my god.\n\nChannel 0: Yep.\n\nChannel 1: Shit. Well, Alicia, a lot nicer than the majority of the people that I've spoken to. I'll except for the last your colleague was really lovely.\n\nChannel 0: Oh,\n\nChannel 1: Fabian\n\nChannel 0: Fabian.\n\nChannel 1: was\n\nChannel 0: Yeah.\n\nChannel 1: really lovely.\n\nChannel 0: Yeah. Fabian's great.\n\nChannel 1: But the other gentleman was really fucking rude and pushy.\n\nChannel 0: Well, we don't like him anyway, so that's okay.\n\nChannel 1: Yeah.\n\nChannel 0: Oh, perfect. Well, I will get\n\nChannel 1: Okay.\n\nChannel 0: cracking with this and start getting a plan together, and then I'll speak to you in a couple of days. If there's any issues I have or if I run into any roadblocks or I can't\n\nChannel 1: Call\n\nChannel 0: get\n\nChannel 1: me.\n\nChannel 0: things turned around,\n\nChannel 1: No problem.\n\nChannel 0: I'll I'll just let you know on Thursday if we need to delay the advice, but I should be good.\n\nChannel 1: Honestly,\n\nChannel 0: I\n\nChannel 1: I\n\nChannel 0: don't\n\nChannel 1: waited\n\nChannel 0: think\n\nChannel 1: this long. Like I'm right.\n\nChannel 0: no. Good. No. I don't think I should have any issues, but I'll give you a call if I do.\n\nChannel 1: Thank you.\n\nChannel 0: That's okay. Go and\n\nChannel 1: Talk to\n\nChannel 0: have a\n\nChannel 1: you\n\nChannel 0: great night. You're home by the sounds\n\nChannel 1: soon.\n\nChannel 0: of it,\n\nChannel 1: Oh\n\nChannel 0: so\n\nChannel 1: my\n\nChannel 0: go and\n\nChannel 1: god.\n\nChannel 0: enjoy\n\nChannel 1: Yeah. I'm so tired.\n\nChannel 0: it. No. Go,\n\nChannel 1: Gonna\n\nChannel 0: my love.\n\nChannel 1: chill.\n\nChannel 0: We'll speak soon.\n\nChannel 1: See you. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.08,"end":2.58,"sentiment":"neutral","sentiment_score":0.018576910719275475}],"sentiment":"neutral","sentiment_score":0.018576910719275475,"channel":1,"num_words":1,"start":2.08,"end":2.58},{"sentences":[{"text":"How did we go?","start":3.12,"end":4.08,"sentiment":"neutral","sentiment_score":0.035592157393693924},{"text":"Or Felder?","start":4.08,"end":4.98,"sentiment":"neutral","sentiment_score":0.022945141419768333}],"sentiment":"neutral","sentiment_score":0.03137648540238539,"channel":0,"num_words":6,"start":3.12,"end":4.98},{"sentences":[{"text":"Oh, yep.","start":5.3599997,"end":6.08,"sentiment":"neutral","sentiment_score":-0.01193145231809467},{"text":"Thank god.","start":6.08,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.25387267768383026}],"sentiment":"neutral","sentiment_score":0.1209706126828678,"channel":1,"num_words":4,"start":5.3599997,"end":6.8199997},{"sentences":[{"text":"Figured I'd give you a couple extra minutes.","start":8.0,"end":9.78,"sentiment":"neutral","sentiment_score":0.02903875568881631}],"sentiment":"neutral","sentiment_score":0.02903875568881631,"channel":0,"num_words":8,"start":8.0,"end":9.78},{"sentences":[{"text":"Stress there.","start":9.84,"end":10.74,"sentiment":"neutral","sentiment_score":-0.14610840380191803}],"sentiment":"neutral","sentiment_score":-0.14610840380191803,"channel":1,"num_words":2,"start":9.84,"end":10.74},{"sentences":[{"text":"Oh, I've I've pushed my car to the limit way more than I normally do lately","start":12.584999,"end":16.904999,"sentiment":"negative","sentiment_score":-0.36821211501955986}],"sentiment":"negative","sentiment_score":-0.36821211501955986,"channel":0,"num_words":16,"start":12.584999,"end":16.904999},{"sentences":[{"text":"Yeah.","start":16.735,"end":17.235,"sentiment":"negative","sentiment_score":-0.3979433178901672}],"sentiment":"negative","sentiment_score":-0.3979433178901672,"channel":1,"num_words":1,"start":16.735,"end":17.235},{"sentences":[{"text":"too.","start":16.904999,"end":17.404999,"sentiment":"negative","sentiment_score":-0.48756542801856995}],"sentiment":"negative","sentiment_score":-0.48756542801856995,"channel":0,"num_words":1,"start":16.904999,"end":17.404999},{"sentences":[{"text":"I'm like, this is not good for the 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expensive.","start":26.105,"end":29.21,"sentiment":"negative","sentiment_score":-0.5152877688407898}],"sentiment":"negative","sentiment_score":-0.48652384096178514,"channel":0,"num_words":29,"start":20.985,"end":29.21},{"sentences":[{"text":"It's so bad for your motor.","start":30.18,"end":32.12,"sentiment":"negative","sentiment_score":-0.7435215512911478}],"sentiment":"negative","sentiment_score":-0.7435215512911478,"channel":1,"num_words":6,"start":30.18,"end":32.12},{"sentences":[{"text":"I know.","start":32.71,"end":33.449997,"sentiment":"negative","sentiment_score":-0.47283561527729034}],"sentiment":"negative","sentiment_score":-0.47283561527729034,"channel":0,"num_words":2,"start":32.71,"end":33.449997},{"sentences":[{"text":"End up putting all the shit in the bottom of the 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it makes no sense why you have that much worth of life insurance.","start":427.71,"end":432.37,"sentiment":"neutral","sentiment_score":-0.3331403210759163}],"sentiment":"neutral","sentiment_score":-0.3331403210759163,"channel":0,"num_words":16,"start":427.71,"end":432.37},{"sentences":[{"text":"So I'll give you","start":432.57,"end":434.505,"sentiment":"neutral","sentiment_score":-0.025808251462876797}],"sentiment":"neutral","sentiment_score":-0.025808251462876797,"channel":1,"num_words":4,"start":432.57,"end":434.505},{"sentences":[{"text":"When","start":434.27,"end":434.66998,"sentiment":"neutral","sentiment_score":-0.014605133794248104}],"sentiment":"neutral","sentiment_score":-0.014605133794248104,"channel":0,"num_words":1,"start":434.27,"end":434.66998},{"sentences":[{"text":"context to to context to it as well.","start":434.505,"end":436.92502,"sentiment":"neutral","sentiment_score":-0.024144570576027036},{"text":"It 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have any of those.","start":637.115,"end":640.975,"sentiment":"negative","sentiment_score":-0.513282577196757},{"text":"Like,","start":641.72,"end":642.19995,"sentiment":"neutral","sentiment_score":-0.2453639805316925}],"sentiment":"negative","sentiment_score":-0.49267345437636745,"channel":1,"num_words":13,"start":637.115,"end":642.19995},{"sentences":[{"text":"yeah.","start":642.0,"end":642.16,"sentiment":"neutral","sentiment_score":-0.22273480892181396},{"text":"So","start":642.16,"end":642.66,"sentiment":"neutral","sentiment_score":-0.2948882579803467}],"sentiment":"neutral","sentiment_score":-0.2588115334510803,"channel":0,"num_words":2,"start":642.0,"end":642.66},{"sentences":[{"text":"how awful is that?","start":642.19995,"end":643.74,"sentiment":"negative","sentiment_score":-0.46846411377191544}],"sentiment":"negative","sentiment_score":-0.46846411377191544,"channel":1,"num_words":4,"start":642.19995,"end":643.74},{"sentences":[{"text":"if mom and sister are living with you, that's fine.","start":644.0,"end":646.57996,"sentiment":"neutral","sentiment_score":-0.1921030707657337},{"text":"But if not, it's not.","start":646.8,"end":647.92,"sentiment":"neutral","sentiment_score":-0.2630253404378891},{"text":"Now don't get me wrong.","start":647.92,"end":649.22,"sentiment":"neutral","sentiment_score":-0.15568434596061706},{"text":"What would happen if something happens to you tomorrow is that, basically, your your estate would settle.","start":649.41504,"end":655.09503,"sentiment":"neutral","sentiment_score":-0.18797516603680217},{"text":"It it would settle.","start":655.09503,"end":656.155,"sentiment":"neutral","sentiment_score":-0.23424015566706657}],"sentiment":"neutral","sentiment_score":-0.19871018499862858,"channel":0,"num_words":41,"start":644.0,"end":656.155},{"sentences":[{"text":"It just it's gonna take longer for it to settle because the 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assholes.","start":672.65,"end":673.79004,"sentiment":"negative","sentiment_score":-0.7911198139190674}],"sentiment":"negative","sentiment_score":-0.7911198139190674,"channel":1,"num_words":2,"start":672.65,"end":673.79004},{"sentences":[{"text":"I have the issue all the time.","start":674.97504,"end":677.075,"sentiment":"negative","sentiment_score":-0.41699157868112835},{"text":"Like, I have clients that try and leave it to their mates, and we can.","start":677.135,"end":681.05505,"sentiment":"negative","sentiment_score":-0.35245986183484396}],"sentiment":"negative","sentiment_score":-0.372992680831389,"channel":0,"num_words":22,"start":674.97504,"end":681.05505},{"sentences":[{"text":"That's","start":680.97003,"end":681.47003,"sentiment":"neutral","sentiment_score":-0.2489874362945557}],"sentiment":"neutral","sentiment_score":-0.2489874362945557,"channel":1,"num_words":1,"start":680.97003,"end":681.47003},{"sentences":[{"text":"We can still","start":681.05505,"end":681.695,"sentiment":"negative","sentiment_score":-0.5781582792599996}],"sentiment":"negative","sentiment_score":-0.5781582792599996,"channel":0,"num_words":3,"start":681.05505,"end":681.695},{"sentences":[{"text":"disgusting.","start":681.61,"end":682.11,"sentiment":"negative","sentiment_score":-0.6955711841583252}],"sentiment":"negative","sentiment_score":-0.6955711841583252,"channel":1,"num_words":1,"start":681.61,"end":682.11},{"sentences":[{"text":"give we can we can still make sure that mom and sister gets it.","start":681.695,"end":685.455,"sentiment":"neutral","sentiment_score":-0.12833086560879434},{"text":"We can we can nominate all of the sisters if we want to.","start":685.455,"end":688.17,"sentiment":"neutral","sentiment_score":0.10800656934197132},{"text":"We don't have to pick one of them.","start":688.17,"end":689.44995,"sentiment":"neutral","sentiment_score":-0.06496765837073326},{"text":"We can pick none of them.","start":689.44995,"end":690.99,"sentiment":"neutral","sentiment_score":-0.07299796616037686},{"text":"We just have to do it through a will.","start":691.52997,"end":693.38995,"sentiment":"neutral","sentiment_score":-0.0231516742044025}],"sentiment":"neutral","sentiment_score":-0.03117281697690487,"channel":0,"num_words":50,"start":681.695,"end":693.38995},{"sentences":[{"text":"And the 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can we can look after all the assets that you own, whereas the beneficiary nomination just looks after the super funds.","start":703.075,"end":711.955,"sentiment":"neutral","sentiment_score":0.22081384877674282},{"text":"So we just ignore the beneficiary nomination.","start":711.955,"end":713.79504,"sentiment":"neutral","sentiment_score":0.04797256525073733}],"sentiment":"neutral","sentiment_score":0.2821064923490797,"channel":0,"num_words":70,"start":696.73,"end":713.79504},{"sentences":[{"text":"We nominate what's called your legal personal representative, which is your estate, and I can help you take care of all of that from that point of view.","start":713.79504,"end":720.35,"sentiment":"neutral","sentiment_score":0.24700080656579562},{"text":"I 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online service if you don't wanna go sit with a lawyer or","start":783.87,"end":788.88495,"sentiment":"neutral","sentiment_score":0.13739034719765186}],"sentiment":"neutral","sentiment_score":0.13739034719765186,"channel":0,"num_words":20,"start":783.87,"end":788.88495},{"sentences":[{"text":"Oh, okay.","start":788.54004,"end":789.2,"sentiment":"neutral","sentiment_score":0.07881056517362595}],"sentiment":"neutral","sentiment_score":0.07881056517362595,"channel":1,"num_words":2,"start":788.54004,"end":789.2},{"sentences":[{"text":"the the will kit if you eventually get around to doing it.","start":788.88495,"end":791.625,"sentiment":"neutral","sentiment_score":0.08016913197934628},{"text":"Yeah.","start":795.685,"end":796.185,"sentiment":"neutral","sentiment_score":0.1711156964302063},{"text":"Cool.","start":797.925,"end":798.40497,"sentiment":"neutral","sentiment_score":0.2270786464214325},{"text":"So I guess from the insurance point of view, what would we wanna 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able to work again, you're young.","start":822.085,"end":824.985,"sentiment":"negative","sentiment_score":-0.3722734361886978},{"text":"And if I don't say say that you're young, then that means that I'm not young and that's gonna make me sad because I'm in I'm I'm only a few years behind you.","start":826.005,"end":833.58,"sentiment":"negative","sentiment_score":-0.4609042437690677}],"sentiment":"neutral","sentiment_score":-0.2245818663678773,"channel":0,"num_words":77,"start":811.85,"end":833.58},{"sentences":[{"text":"So so what what what would we wanna replace?","start":835.24,"end":839.08,"sentiment":"neutral","sentiment_score":-0.07677747888697518},{"text":"We would do we wanna replace our income for a few good years so that way, you know, the mortgage is paid off and we can have income replacement still coming in so we're not central independent.","start":839.08,"end":847.40497,"sentiment":"neutral","sentiment_score":0.024738061468343477}],"sentiment":"neutral","sentiment_score":0.004876325311868087,"channel":0,"num_words":46,"start":835.24,"end":847.40497},{"sentences":[{"text":"Yeah.","start":848.79,"end":849.19,"sentiment":"neutral","sentiment_score":-0.006955781951546669},{"text":"Absolutely.","start":849.19,"end":849.69,"sentiment":"neutral","sentiment_score":-0.008524619042873383},{"text":"Like, I don't I don't want to have to borrow money.","start":849.91,"end":854.435,"sentiment":"neutral","sentiment_score":-0.1491572271016511},{"text":"I don't, you know, I don't want I wanna be able to just be covered to 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you wanna keep the asset held personally because the the restriction is that if you own if you own the property through a self managed super fund, you have to have an arm's length, which means that you can't live in it.","start":1323.125,"end":1334.98,"sentiment":"neutral","sentiment_score":-0.015238558397043583},{"text":"You can't","start":1334.98,"end":1335.5599,"sentiment":"neutral","sentiment_score":-0.01968355040298775}],"sentiment":"neutral","sentiment_score":-0.015436113597307769,"channel":0,"num_words":45,"start":1323.125,"end":1335.5599},{"sentences":[{"text":"Yeah.","start":1335.755,"end":1335.915,"sentiment":"neutral","sentiment_score":0.0459696426987648},{"text":"Of course.","start":1335.915,"end":1336.475,"sentiment":"neutral","sentiment_score":0.08108532056212425},{"text":"Is it an 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property meets a condition of release, and you could actually move into that property at retirement.","start":1339.22,"end":1347.24,"sentiment":"neutral","sentiment_score":0.26222777237062866}],"sentiment":"neutral","sentiment_score":0.26222777237062866,"channel":0,"num_words":23,"start":1339.22,"end":1347.24},{"sentences":[{"text":"How cool?","start":1348.2101,"end":1348.9501,"sentiment":"positive","sentiment_score":0.5582817196846008}],"sentiment":"positive","sentiment_score":0.5582817196846008,"channel":1,"num_words":2,"start":1348.2101,"end":1348.9501},{"sentences":[{"text":"So there is still ways that you can through asset transfer and stuff like that, but we just need to really consider how that would look for you if we did that at, you know, looking at, you know, where you wanna buy prices and stuff like 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personally.","start":1409.515,"end":1414.655,"sentiment":"neutral","sentiment_score":0.1893730417770498}],"sentiment":"neutral","sentiment_score":0.21256665652617812,"channel":0,"num_words":32,"start":1405.755,"end":1414.655},{"sentences":[{"text":"Yeah.","start":1415.2749,"end":1415.595,"sentiment":"neutral","sentiment_score":0.12986965477466583},{"text":"Yeah.","start":1415.595,"end":1415.835,"sentiment":"neutral","sentiment_score":0.12963032722473145},{"text":"Yeah.","start":1415.835,"end":1416.335,"sentiment":"neutral","sentiment_score":0.14491204917430878},{"text":"That's what I'm definitely, in the next five 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an issue.","start":1466.6849,"end":1470.5249,"sentiment":"neutral","sentiment_score":-0.22154411477477928},{"text":"We will be looking into mental health.","start":1470.5249,"end":1471.725,"sentiment":"neutral","sentiment_score":-0.2245213155235563},{"text":"We will be looking at a back exclusion.","start":1471.725,"end":1473.1849,"sentiment":"neutral","sentiment_score":-0.1925881076604128},{"text":"Gonna be open and honest","start":1473.27,"end":1474.23,"sentiment":"neutral","sentiment_score":-0.05353173352777958}],"sentiment":"neutral","sentiment_score":-0.19459874149507436,"channel":0,"num_words":39,"start":1466.6849,"end":1474.23},{"sentences":[{"text":"Yeah.","start":1474.115,"end":1474.615,"sentiment":"neutral","sentiment_score":0.0024511516094207764}],"sentiment":"neutral","sentiment_score":0.0024511516094207764,"channel":1,"num_words":1,"start":1474.115,"end":1474.615},{"sentences":[{"text":"about that, but I'm gonna go and still ask the 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the the the biggest part is just where it falls cost wise, how much we're gonna insure you for, and I'll run all those figures.","start":1498.475,"end":1505.4592,"sentiment":"neutral","sentiment_score":0.2528052147891786},{"text":"And then I'll have a look at your superannuation fund seeing where we can move from, you know, an investment point of view, seeing how we can invest you to get a little bit better of an a compounding growth.","start":1505.4592,"end":1516.07,"sentiment":"neutral","sentiment_score":0.172237272746861},{"text":"You did come up as a, you know, pretty aggressive investor, which is fantastic.","start":1517.155,"end":1521.175,"sentiment":"neutral","sentiment_score":0.27737332614404814},{"text":"So we can definitely look at 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Is does that have any exclusions, loadings, anything? Nothing.","start_word":663,"end_word":687,"intents":[{"intent":"Clarify policy details","confidence_score":0.34623793}]},{"text":"I've never been on Centrelink in my life. I've always worked. I've always, you know, gone from job to job. I've never rely on yeah.","start_word":991,"end_word":1015,"intents":[{"intent":"Recall past experiences","confidence_score":0.00058624794}]},{"text":"So you think AIA, you're a bit iffy about it? It's it's not it's not the provider. It's not anything else. It's just the fact that you have a $1,200,000 worth of worth of life Exactly. insurance.","start_word":1092,"end_word":1128,"intents":[{"intent":"Evaluate aia's impact","confidence_score":0.000103699225}]},{"text":"It's it's not it's not the provider. It's not anything else. It's just the fact that you have a $1,200,000 worth of worth of life Exactly.","start_word":1102,"end_word":1127,"intents":[{"intent":"Discuss aia's value","confidence_score":0.004689114}]},{"text":"The legislation's boring to read for any normal person. Oh, Kat, why are they not? So superannuation legislation dictates that under it's the CIS Act, s I s, Act, that a valid beneficiary is a financial dependent, a child, a spouse.","start_word":1656,"end_word":1696,"intents":[{"intent":"Determine purpose of legislation","confidence_score":0.00023071516}]},{"text":"My eldest is 13, and I got I bought a wheel kit, same thing, paid the the $30 or whatever it was at the time for it, Yeah.","start_word":2079,"end_word":2106,"intents":[{"intent":"Determine age","confidence_score":0.0059659076},{"intent":"Discuss age","confidence_score":0.022665974}]},{"text":"My eldest is 13, and I got I bought a wheel kit, same thing, paid the the $30 or whatever it was at the time for it, Yeah. and I still have it. Never used it. Haven't used it. Went and paid a thousand dollars to get one done up by a lawyer because I just realized that I was too lazy and I was never gonna get it done. Have And you seen yeah.","start_word":2079,"end_word":2153,"intents":[{"intent":"Clarify personal situation","confidence_score":0.00007099548}]},{"text":"Went and paid a thousand dollars to get one done up by a lawyer because I just realized that I was too lazy and I was never gonna get it done. Have And you seen yeah.","start_word":2118,"end_word":2153,"intents":[{"intent":"Suggest legal action","confidence_score":0.00008007838}]},{"text":"The good thing is is there are some online services that you can use these days, and your estate looks pretty simple. Like, we're not you know, we don't have any trusts or any companies or anything crazy like that. It's So, very simple.","start_word":2179,"end_word":2222,"intents":[{"intent":"Provide information","confidence_score":0.006995387},{"intent":"Recommend online services","confidence_score":0.010603004}]},{"text":"So I guess from the insurance point of view, what would we wanna cover?","start_word":2259,"end_word":2272,"intents":[{"intent":"Consider insurance coverage","confidence_score":0.0008241587}]},{"text":"We obviously have the debt, so we wanna make sure that the the mortgage is paid off, and we're specifically focusing on on our disability covers.","start_word":2273,"end_word":2298,"intents":[{"intent":"Discuss disability cover","confidence_score":0.01616329}]},{"text":"If you were never able to work again, you're young.","start_word":2333,"end_word":2342,"intents":[{"intent":"Commit to work","confidence_score":0.0037191387}]},{"text":"If you were never able to work again, you're young. And if I don't say say that you're young, then that means that I'm not young and that's gonna make me sad because I'm in I'm I'm only a few years behind you.","start_word":2333,"end_word":2375,"intents":[{"intent":"Address age","confidence_score":0.000706668}]},{"text":"We would do we wanna replace our income for a few good years so that way, you know, the mortgage is paid off and we can have income replacement still coming in so we're not central independent. Yeah.","start_word":2385,"end_word":2422,"intents":[{"intent":"Replace income","confidence_score":0.9539128}]},{"text":"have my bills covered, my mortgage covered, and my medical bills covered. Okay. Perfect.","start_word":2453,"end_word":2466,"intents":[{"intent":"Provide insurance","confidence_score":0.028765457}]},{"text":"I honestly I I I see the benefit. I've been in claims.","start_word":2534,"end_word":2545,"intents":[{"intent":"Evaluate insurance benefits","confidence_score":0.014825013}]},{"text":"Now we're open to putting money into our superannuation from a bit of a tax minimization point of view. I'd love to do that. Cool.","start_word":2667,"end_word":2691,"intents":[{"intent":"Address tax minimization","confidence_score":0.024162237}]},{"text":"I can look at that from a point of view where we're gonna save. The money that we're putting into savings, so the $300 a week that we're putting into savings, what is that directed towards?","start_word":2692,"end_word":2727,"intents":[{"intent":"Suggest savings","confidence_score":0.00410554}]},{"text":"for a rainy day. I mean, I like to have an emergency fund. Absolutely.","start_word":2820,"end_word":2833,"intents":[{"intent":"Maximize emergency fund","confidence_score":0.0017726442}]},{"text":"But I wanna make sure that we can still get that emergency fund banked up first and Yeah.","start_word":3045,"end_word":3062,"intents":[{"intent":"Ensure emergency fund is accounted for","confidence_score":0.00051450974}]},{"text":"Vulcan parents that had no idea about Yeah. financial interest in.","start_word":3142,"end_word":3152,"intents":[{"intent":"Consider vulcan parents' interest","confidence_score":0.0036271394}]},{"text":"But are we looking at any kind of wealth transfer?","start_word":3230,"end_word":3239,"intents":[{"intent":"Consider wealth transfer","confidence_score":0.060596365}]},{"text":"Are mom and dad still young, still going? No. So my old man dad passed away, obviously, like, a year and a half ago. Yep.","start_word":3263,"end_word":3287,"intents":[{"intent":"Consider mr. dad's age","confidence_score":0.00021793798},{"intent":"Determine mr. dad's age","confidence_score":0.0023901002}]},{"text":"The assets are in the house, not cash in the Okay. bank.","start_word":3319,"end_word":3330,"intents":[{"intent":"Look at asset transfer","confidence_score":0.0009419859}]},{"text":"And then depending on how you guys wanna want that to operate, you guys might decide to keep it and have it as an investment property.","start_word":3406,"end_word":3431,"intents":[{"intent":"Discuss investment property options","confidence_score":0.0018443142}]},{"text":"We can definitely look at doing that when we hit that bridge. Or, Yeah.","start_word":3769,"end_word":3782,"intents":[{"intent":"Consider asset options and options","confidence_score":0.000029887879}]},{"text":"if you wanna keep the asset held personally because the the restriction is that if you own if you own the property through a self managed super fund, you have to have an arm's length, which means that you can't live in it. You can't Yeah.","start_word":3784,"end_word":3829,"intents":[{"intent":"Keep asset holding","confidence_score":0.018314643}]},{"text":"So we can focus on that as a, you know, a a goal for you. Alternatively, you know, equity within your property could also see you being able to purchase it personally. Yeah. Yeah.","start_word":4061,"end_word":4094,"intents":[{"intent":"Purchase property","confidence_score":0.13244233},{"intent":"Purchase property","confidence_score":0.25506476}]},{"text":"So we can focus on that as a, you know, a a goal for you. Alternatively, you know, equity within your property could also see you being able to purchase it personally. Yeah. Yeah. Yeah.","start_word":4061,"end_word":4095,"intents":[{"intent":"Focus on a specific goal","confidence_score":0.00029561218}]},{"text":"I'm pretty honestly confident that we're gonna be fine, but it's always something that I like to, you know, engage the insurers just if I'm dealing with multi, you know, health issues.","start_word":4203,"end_word":4234,"intents":[{"intent":"Engage insurers","confidence_score":0.059270717}]},{"text":"And then I'll have a look at your superannuation fund seeing where we can move from, you know, an investment point of view, seeing how we can invest you to get a little bit better of an a compounding growth.","start_word":4373,"end_word":4412,"intents":[{"intent":"Evaluate investment options","confidence_score":0.002002398}]},{"text":"You, you know, you wanna see growth out of your out of your out of your investment. You're not looking to be conservative yet. You're not looking to to to wind down. We're not, you know, closing our eyes and taking a nap and ready to retire.","start_word":4492,"end_word":4538,"intents":[{"intent":"Predict retirement readiness","confidence_score":0.00008461204}]},{"text":"You, you know, you wanna see growth out of your out of your out of your investment. You're not looking to be conservative yet. You're not looking to to to wind down. We're not, you know, closing our eyes and taking a nap and ready to retire. We're still kicking. We're still going. Yeah.","start_word":4492,"end_word":4545,"intents":[{"intent":"Maximize capital investments","confidence_score":9.69661e-7}]},{"text":"I think that the the biggest or the the best thing to do is just to sort of look at, obviously, conservative value based assets that we invest in. We're not gonna go risky assets. We're not gonna go, you know, new start up businesses or anything like that. We're not gonna stock trade. We're gonna look at robust diversification.","start_word":4599,"end_word":4658,"intents":[{"intent":"Discuss portfolio diversification","confidence_score":0.020143699}]},{"text":"We're not gonna go risky assets. We're not gonna go, you know, new start up businesses or anything like that.","start_word":4628,"end_word":4647,"intents":[{"intent":"Evaluate risky investments","confidence_score":0.000073700925}]},{"text":"So I'll look at how to put that portfolio together for you to get us, like, a bit of an aggressive overlay. So investing more so in the market and less conservatively.","start_word":4753,"end_word":4784,"intents":[{"intent":"Address portfolio constraints","confidence_score":0.002043943}]},{"text":"And what I mean from investing more in the market and less conservatively is when it comes to investments, you cash is an investment. Right? It is actually an investment. You know, you it generates the cash rate. So, you know, money sitting in the bank each month, the bank pays you a little bit of an interest. It is the most conservative investment you can pretty muchly get. Right?","start_word":4785,"end_word":4854,"intents":[{"intent":"Ensure portfolio is invested on cash","confidence_score":1.6701543e-7}]},{"text":"So whilst it is an investment, it's a very conservative investment. Yeah.","start_word":4866,"end_word":4877,"intents":[{"intent":"Understand conservative investments","confidence_score":0.00079646194}]},{"text":"So the the last person that I spoke to, they also suggested that UniSuper was not the best fund for me.","start_word":5240,"end_word":5260,"intents":[{"intent":"Discuss uisuper recommendations","confidence_score":0.0011540864}]},{"text":"Whereas what I do is I work with what's called a retail product that Yep. has thousands of investment offerings where I can purpose built portfolios for my clients, and I can invest in the ASX. I can invest in cryptocurrency adjacent products if I wanted to.","start_word":5653,"end_word":5699,"intents":[{"intent":"Analyze portfolio options","confidence_score":0.028857153}]},{"text":"She's in her seventies, and she's trying to retire, and AustralianSuper has not helped her in any way, shape, or form. And I've sat down and done all the documents to help her get her retirement because AustralianSuper has rejected all of her retirement documents, and they won't help her on how on how to retire.","start_word":5951,"end_word":6006,"intents":[{"intent":"Resolve retirement issues","confidence_score":0.073782384}]}]},"sentiments":{"segments":[{"text":"Hello? How did we go? Or Felder? Oh, yep. Thank god. Figured I'd give you a couple extra minutes. Stress there.","start_word":0,"end_word":20,"sentiment":"neutral","sentiment_score":0.02751154825091362},{"text":"Oh, I've I've pushed my car to the limit way more than I normally do lately Yeah. too. I'm like, this is not good for the motor. No. I know. Every time I do it, my husband turns around and goes, you're an idiot. Like, yeah. But I just didn't want to, and they were expensive. It's so bad for your motor. I know. End up putting all the shit in the bottom of the tank From through the the motor.","start_word":21,"end_word":101,"sentiment":"negative","sentiment_score":-0.4989348351955414},{"text":"through it. I know. I know. I'm a mechanic's daughter, so trust me. I know. And yet we still do. Yeah. Anyway, I know. where were Sorry we? about that. No. Don't apologize.","start_word":102,"end_word":134,"sentiment":"neutral","sentiment_score":-0.0787387415766716},{"text":"Absolutely fine. I've got to grab a drink of water, pop up to the loo, so I was I was happiest.","start_word":135,"end_word":155,"sentiment":"positive","sentiment_score":0.3729642629623413},{"text":"Okay. So currently yeah. With regards to that, that's where we fit, so that's fine. And you said that you're just taking care of it through heat packs and Voltara and stuff like that, Pedal. So that's Yeah. okay there. Like yeah. Right. No. Absolutely. Now I wanted to ask, previously, did you ever have you ever been through an application for insurance, or did you like, No. have you applied? You've never applied to Never. alright. I'll tell That's you. good. So when I first took out my TPD and life insurance through Commonwealth Bank, the in all of the the planner there, Mhmm. Yep. he was like, I wouldn't, you know, I I wouldn't go I wouldn't apply for it, you know, because you won't get it because of, like, like, your mental health. And I'm like, okay. That's well, firstly, that's discrimination, but okay.","start_word":156,"end_word":302,"sentiment":"neutral","sentiment_score":-0.062531977891922},{"text":"He totally really made me quite scared about getting like, even going for it because he didn't even explain you can have exclusions or whatever.","start_word":303,"end_word":327,"sentiment":"negative","sentiment_score":-0.3551884591579437},{"text":"He was like, Yeah. oh, no.","start_word":328,"end_word":333,"sentiment":"neutral","sentiment_score":-0.16288843750953674},{"text":"I wouldn't go for it.","start_word":334,"end_word":338,"sentiment":"negative","sentiment_score":-0.33330845832824707},{"text":"Anyway so yes. See, But I no.","start_word":339,"end_word":345,"sentiment":"neutral","sentiment_score":-0.11537609249353407},{"text":"I I've never gone for it.","start_word":346,"end_word":351,"sentiment":"negative","sentiment_score":-0.37691396474838257},{"text":"right. Because so so, like, to to to break it down 100%, you can be declined cover from a provider. All that happens is you're declined. If you ever go and apply for Yes. cover in the future, you have to notify that that new provider that you were declined for cover. It's Yes. it's not the end of the world. The biggest part is is that, like, unless you've had suicidy suicidal ideation or suicidal Yeah. attempts, you're not gonna get declined based on mental health. Yes. So I don't know why that broker was You're the d k. saying no. Yeah. Unless he was specifically like, he was just pushing a comm product, and at Oh, the 100 time, 100%. okay, and at the time, CommWell may have had just a a bit of a because they don't get me wrong. There was a period of time, specifically during COVID and post COVID for about twelve months or so, where providers were getting really tight lipped about any mental health, because there was a lot more cases that were coming out because we were locked inside, stuff like that, I'm but other talking about a good twenty years ago. ah, good. Like, I'm, like, I'm talking, like, I I don't know. Like, this is my second mortgage. I don't know. When did I take my I don't know. Like, what are we now? 2026? Okay. I exaggerated. Probably, like no. 2026. Me okay.","start_word":352,"end_word":596,"sentiment":"neutral","sentiment_score":-0.10712336748838425},{"text":"Fuck.","start_word":597,"end_word":597,"sentiment":"negative","sentiment_score":-0.5091255903244019},{"text":"I didn't even know what year it's. Maybe 2032, 2013? Yep. Okay. That's not twenty years ago. I exaggerated. That's close. It It's sort it of feels you like know? twenty years ago. That's basically twenty years ago. Nah. That's, you know, like, thirteen years So ago. Same yeah. thing. No.","start_word":598,"end_word":648,"sentiment":"neutral","sentiment_score":-0.10384479559519712},{"text":"No. I have I haven't had yet attempts or anything like that whatsoever.","start_word":649,"end_word":661,"sentiment":"negative","sentiment_score":-0.35217392444610596},{"text":"Okay. And you have a a life a life insurance policy trauma policy with AIA? Yep. Yep. Is does that have any exclusions, loadings, anything? Nothing. Okay. Cool. Yeah. And I also have it through my super as well, Yes. Yeah. You have the which I the want to figure out. This is the other thing that UniSuper. the other company I for your company. I don't know. I'm confused now who I'm talking to. Yeah. No. That's okay. The the other adviser. Yep. He said that the advisers said to keep them both. And I'm like, but, like, isn't that inefficient or isn't that, like, a waste of money Yes and no.","start_word":662,"end_word":774,"sentiment":"neutral","sentiment_score":-0.12073832005262376},{"text":"If I'm paying for it and it's also in my cover, I'm Like, gonna be dead.","start_word":775,"end_word":790,"sentiment":"negative","sentiment_score":-0.3595488667488098},{"text":"yes. Yeah. I'm literally gonna Yeah. die and I've got no dependents.","start_word":791,"end_word":802,"sentiment":"neutral","sentiment_score":-0.20215940475463867},{"text":"Who the fuck am I gonna give the money to?","start_word":803,"end_word":812,"sentiment":"negative","sentiment_score":-0.49190977215766907},{"text":"I think I think that's probably where things fit more so. Like, the so the policy you have inside your uni super is a life and a TPD or a total permanent disability. You can't you can't have the total permanent disability without the life in your super Yes. fund. The way it's structured, it has to stay like that. They're attached to each other. It means it means it's cheaper as well. You only pay $315 an annum for that for the the two policies.","start_word":813,"end_word":898,"sentiment":"neutral","sentiment_score":0.01935429312288761},{"text":"So that's happy days.","start_word":899,"end_word":902,"sentiment":"positive","sentiment_score":0.4200793504714966},{"text":"It's not overly expensive. It's there. It's only Okay. two Okay. $118,000. Don't get me wrong. It's not gonna pay the debt off from our mortgage, but that plus your superannuation balance, you get pretty close to paying this your your mortgage off. And then theoretically, right this second, if something happens, you'd have center link income to live off. Not the greatest outcome, but you're not you know, it's it's not awful. The AIA policy is probably the biggest question mark. Sorry. What were you gonna say? I've never been on Centrelink in my life. I've always worked. I've always, you know, gone from job to job. I've never rely on yeah. No. And and we wanna we wanna the whole point of insurance is the same same reason why we insure our cars, we insure our house, is because if that thing happens, we wanna have that contingency plan, and that's Exactly. what the insurance policy is there for. If you were never able to work again or you got sick or ill or injured, we wanna Yeah. have a policy in place to protect you. Okay. So you think AIA, you're a bit iffy about it? It's it's not it's not the provider. It's not anything else. It's just the fact that you have a $1,200,000 worth of worth of life Exactly. insurance. That's what I'm saying to you. Like, it make it makes no sense why you have that much worth of life insurance. So I'll give you When context to to context to it as well. It went Yeah. from ComBank to Colonial First State. It got bought out by somebody else, and now it's AIA. It was originally a ComBank product. Yep. That's why. Yep. Cool. Yeah. There's been a lot of acquisitions of light. Cool. So she's yes. Okay. That's fine.","start_word":903,"end_word":1210,"sentiment":"neutral","sentiment_score":-0.04160699698251563},{"text":"Look. AIA are great.","start_word":1211,"end_word":1214,"sentiment":"positive","sentiment_score":0.4161812663078308},{"text":"I've I use AIA. I've claimed through them before for clients. They're they're in no way shape or form a bad provider. And you have so realistically, across the two policies, you have sort of 1,500,000.0 in life insurance. You have 218,000 in total permanent disability, and then you have the 143,000 in trauma. Now trauma policy pays out if you were to be diagnosed with your major medical traumas. So it's your heart attack, your cancer, your stroke, your neurological conditions. So it it's completely different to what your PPD insurance covers because PPD means you have to meet the total and permanent definition, whereas Uh-huh. your trauma policy pays out pretty immediately. And when I say immediately, within a couple of weeks upon the diagnosis Okay. of a one of those conditions. So if we did get cancer, god forbid, touch wood, we're covered from that point of view. Okay. So I have no qualms with that policy existing. I think I definitely wanna know a little bit about it. So if you're able to find a like, the policy schedule for it. I sent it to the lady.","start_word":1215,"end_word":1405,"sentiment":"neutral","sentiment_score":-0.06379995104022987},{"text":"Fantastic. You did.","start_word":1406,"end_word":1408,"sentiment":"positive","sentiment_score":0.5167694091796875},{"text":"I already I I sent wasn't it sure. over from Perfect. No. That's okay. I I didn't both of I didn't them. have an good. No. I I know that I had your super policy through. I just didn't see the AAA insurance, but I'll I'll have a chat to her and I make sure sent that I get that. I sent the one I sent the one that's that I pay fortnight or fucking fortnight before. Yep. It's like $81 or something. Yeah. And I sent the other one as well. Good. Cool. That's good. Alright. Because what I'll do is I'll compare them against the market to see what we can do on the market, see where I can get that premium come down, Yeah. have a have a look at the features that are obviously in that policy to make sure that I'm not cutting any features off, and see where we can go with respect to everything sitting there. Now Okay. one of the issues I saw on your account when I was running through everything was that your beneficiaries on your uni super, you've nominated your mom and your sister. Yep. They're actually nonvalid nominations. As silly and stupid as it sounds, Nobody I know never sees that. I know. And the super funds don't because they basically state that, well, we let you know that you have to read the legislation, and the legislation says it clearly. The legislation doesn't.","start_word":1409,"end_word":1654,"sentiment":"neutral","sentiment_score":-0.05291008949279785},{"text":"The legislation's boring to read for any normal person. Oh, Kat, why are they not?","start_word":1655,"end_word":1669,"sentiment":"negative","sentiment_score":-0.5839589834213257},{"text":"So superannuation legislation dictates that under it's the CIS Act, s I s, Act, that a valid beneficiary is a financial dependent, a child, a spouse.","start_word":1670,"end_word":1695,"sentiment":"neutral","sentiment_score":-0.13754956424236298},{"text":"So if Oh, they mom can and they can go get fucked because I don't have any of those.","start_word":1696,"end_word":1714,"sentiment":"negative","sentiment_score":-0.4396473169326782},{"text":"Like, yeah.","start_word":1715,"end_word":1716,"sentiment":"neutral","sentiment_score":-0.23404939472675323},{"text":"So how awful is that?","start_word":1717,"end_word":1721,"sentiment":"negative","sentiment_score":-0.41521167755126953},{"text":"if mom and sister are living with you, that's fine. But if not, it's not. Now don't get me wrong. What would happen if something happens to you tomorrow is that, basically, your your estate would settle. It it would settle.","start_word":1722,"end_word":1762,"sentiment":"neutral","sentiment_score":-0.19931799173355105},{"text":"It just it's gonna take longer for it to settle because the trust I am gonna call UniSuper tomorrow, and I'm gonna fucking blast them.","start_word":1763,"end_word":1787,"sentiment":"negative","sentiment_score":-0.5120697021484375},{"text":"it's okay. Right? I that's what I'm here to do, just to sort it all out.","start_word":1788,"end_word":1803,"sentiment":"neutral","sentiment_score":-0.2547680139541626},{"text":"Fucking assholes. I have the issue all the time. Like, I have clients that try and leave it to their mates, and we can. That's We can still disgusting.","start_word":1804,"end_word":1832,"sentiment":"negative","sentiment_score":-0.4758979678153992},{"text":"give we can we can still make sure that mom and sister gets it. We can we can nominate all of the sisters if we want to. We don't have to pick one of them. We can pick none of them. We just have to do it through a will. And the good Oh, the okay. cool thing So I can do it in my will. yeah.","start_word":1833,"end_word":1899,"sentiment":"neutral","sentiment_score":0.05126568302512169},{"text":"The good thing about the will, it means that we can we can have the house taken care of as well. We can have the bank accounts taken care of.","start_word":1900,"end_word":1929,"sentiment":"positive","sentiment_score":0.4008148610591888},{"text":"We can have the cars taken care of, and we we can we can look after all the assets that you own, whereas the beneficiary nomination just looks after the super funds. So we just ignore the beneficiary nomination. We nominate what's called your legal personal representative, which is your estate, and I can help you take care of all of that from that point of view. I know Okay. you don't have a will yet, but I know it's on your to do list. If you're like Oh, me, I have it to get one. it's been on your to do list for a good decade or so. Oh my gosh. Yeah. I even have the little kids sitting in my it's probably Stop it. expired. I paid $27 for it about three days ago. Oh, yep. I I I have I have one as well. How old? My eldest is 13, and I got I bought a wheel kit, same thing, paid the the $30 or whatever it was at the time for it, Yeah. and I still have it. Never used it. Haven't used it.","start_word":1930,"end_word":2117,"sentiment":"neutral","sentiment_score":0.08178357181555414},{"text":"Went and paid a thousand dollars to get one done up by a lawyer because I just realized that I was too lazy and I was never gonna get it done.","start_word":2118,"end_word":2148,"sentiment":"negative","sentiment_score":-0.5156589150428772},{"text":"Have And you seen yeah. how small the writing is on that document?","start_word":2149,"end_word":2161,"sentiment":"neutral","sentiment_score":-0.14204391837120056},{"text":"Oh, it's tiny.","start_word":2162,"end_word":2164,"sentiment":"negative","sentiment_score":-0.3689996600151062},{"text":"I know.","start_word":2165,"end_word":2166,"sentiment":"neutral","sentiment_score":-0.3038625419139862},{"text":"It's It's ridiculous. awful. I know. I know. It's an absolute pain.","start_word":2167,"end_word":2178,"sentiment":"negative","sentiment_score":-0.581725537776947},{"text":"The good thing is is there are some online services that you can use these days, and your estate looks pretty simple. Like, we're not you know, we don't have any trusts or any companies or anything crazy like that. It's So, very simple. yeah, we could probably just go through an online service if you don't wanna go sit with a lawyer or Oh, okay. the the will kit if you eventually get around to doing it. Yeah. Cool. So I guess from the insurance point of view, what would we wanna cover? We obviously have the debt, so we wanna make sure that the the mortgage is paid off, and we're specifically focusing on on our disability covers. We don't care about life insurance as you've already said. But from a from a disability point of view, you would want the the mortgage paid. So we can definitely take care of that.","start_word":2179,"end_word":2332,"sentiment":"neutral","sentiment_score":0.100751094520092},{"text":"If you were never able to work again, you're young. And if I don't say say that you're young, then that means that I'm not young and that's gonna make me sad because I'm in I'm I'm only a few years behind you.","start_word":2333,"end_word":2375,"sentiment":"negative","sentiment_score":-0.4486473798751831},{"text":"So so what what what would we wanna replace? We would do we wanna replace our income for a few good years so that way, you know, the mortgage is paid off and we can have income replacement still coming in so we're not central independent. Yeah. Absolutely. Like, I don't I don't want to have to borrow money. I don't, you know, I don't want I wanna be able to just be covered to leave Yeah. have my bills covered, my mortgage covered, and my medical bills covered. Okay.","start_word":2376,"end_word":2465,"sentiment":"neutral","sentiment_score":-0.025848733261227608},{"text":"Perfect.","start_word":2466,"end_word":2466,"sentiment":"positive","sentiment_score":0.4073140621185303},{"text":"So I'll do the math on what that number looks like, and then I'm gonna start quoting and having a look. I will try like, I'll I'll look at cheap premiums, but good products. Okay? So I'm not gonna go off the cheap and nasty.","start_word":2467,"end_word":2511,"sentiment":"neutral","sentiment_score":0.0383475162088871},{"text":"I'm not gonna go off the most expensive. I'm not ever interested in doing that.","start_word":2512,"end_word":2526,"sentiment":"negative","sentiment_score":-0.4434777796268463},{"text":"I have never been an insurance pusher. I honestly I I I see the benefit. I've been in claims. I've done claims for the last half a decade of my of my career. I've been in the industry for for near near on a decade, and I've done specifically claims for five years. And in that five years, I definitely see the benefits of insurance, and I know that it's beneficial.","start_word":2527,"end_word":2597,"sentiment":"neutral","sentiment_score":0.04251770302653313},{"text":"But I am not anyone that's ever gonna push insurance to a degree that's more than what you would need.","start_word":2598,"end_word":2617,"sentiment":"negative","sentiment_score":-0.35564127564430237},{"text":"So I just wanna make sure that I've got my figures right. Income is a $100,000 a year. Our expenses are about $800 a week, and we put about $300 a week into savings, and our mortgage is costing us, 639 a week. That's correct.","start_word":2618,"end_word":2662,"sentiment":"neutral","sentiment_score":0.026949679479002953},{"text":"Cool. Good to know. Now we're open to putting money into our superannuation from a bit of a tax minimization point of view. I'd love to do that. Cool.","start_word":2663,"end_word":2691,"sentiment":"positive","sentiment_score":0.41953393816947937},{"text":"I can look at that from a point of view where we're gonna save. The money that we're putting into savings, so the $300 a week that we're putting into savings, what is that directed towards? Do we have a goal that we're we're utilizing that money for or anything that you're Look, specifically the doing? 3 the 300 was a little bit conservative. That's okay. That's why I can money. Let's say I well, look, some months it's there, some months it's not. Only because, I mean, I live in a unit. So that money tends to go towards my my what's it called? My Strada levy and, you know, stuff like that. So Yep. I'm not I'm not really saving for anything special. It's more Yeah. for a rainy day. I mean, I like to have an emergency fund.","start_word":2692,"end_word":2832,"sentiment":"neutral","sentiment_score":0.1272859181812469},{"text":"Absolutely.","start_word":2833,"end_word":2833,"sentiment":"positive","sentiment_score":0.4616748690605163},{"text":"And Yep. then I had a couple of bills, and that was it. It was gone. So Yeah. now I'm back to building up my my emergency fund again. Yeah.","start_word":2834,"end_word":2863,"sentiment":"neutral","sentiment_score":0.0605713427066803},{"text":"Cool.","start_word":2864,"end_word":2864,"sentiment":"positive","sentiment_score":0.4540295600891114},{"text":"How much do you wanna get in that emergency fund? So we like, a $2, $5, $10 kind of emergency fund, girl.","start_word":2865,"end_word":2886,"sentiment":"neutral","sentiment_score":0.2575453221797943},{"text":"I'd love I'd love 5. Yeah.","start_word":2887,"end_word":2892,"sentiment":"positive","sentiment_score":0.4252304434776306},{"text":"I'd love 5. Yep. Okay. So what I'll do is I'll factor that in to basically grow that. And then once that's once that's at the point, so, you know, x number of weeks at $300 a week, blah blah blah blah, Yeah. get us our emergency fund, and we can go from there. With with tax minimization, I'm obviously just gonna do it to a capacity where we're not gonna lose too much of our income because, obviously, any money that we put into our superannuation fund is gonna be locked away. We're not gonna be able to touch it till we retire. So I don't wanna be going and throwing $300 a week in there. And I just wanna be clear. That's not that's not the Yeah. outcome. Yeah. You know, I mean, I think even, like, what, a $100 a week would make such a difference. Yeah.","start_word":2893,"end_word":3042,"sentiment":"neutral","sentiment_score":0.05602164939045906},{"text":"Absolutely.","start_word":3043,"end_word":3043,"sentiment":"positive","sentiment_score":0.3697432577610016},{"text":"But I wanna make sure that we can still get that emergency fund banked up first and Yeah. look at Fair enough. look at how, yeah, how that would work. Because I wanna you know, having an emergency fund is important. Even when I was, you Yeah. know, 16, 17, 18, I always kept a couple of grand for an emergency. I remember I Oh remember my having god. to How good were you? I know. I know.","start_word":3044,"end_word":3121,"sentiment":"neutral","sentiment_score":0.08848413825035095},{"text":"Fucking My mother hell.","start_word":3122,"end_word":3125,"sentiment":"negative","sentiment_score":-0.5403572916984558},{"text":"taught me. My mother taught me well. Oh, And I'm see, and I life had happens. Vulcan parents that had no idea about Yeah. financial interest in. Yep. I'm only, like, teaching myself that now, you know, in my forties. Like and I'm learning it all through, like, ladies finance club.","start_word":3126,"end_word":3176,"sentiment":"neutral","sentiment_score":-0.0718851312994957},{"text":"Beautiful.","start_word":3177,"end_word":3177,"sentiment":"positive","sentiment_score":0.3847588300704956},{"text":"Oh, good. And and and it happens. Like, school doesn't teach you. If our parents don't know, they only teach what they know. So it becomes Yeah. hard. It is hard. On the topic of parents, I know we have a number of siblings, which is great. Again, love a good sisterhood. But are we looking at any kind of wealth transfer? Did mom and dad have any money behind them? Is there something that I need to factor in from that point of view? Are mom and dad still young, still going? No. So my old man dad passed away, obviously, like, a year and a half ago. Yep. Mom's 82. She's Get alive it, and mom. kicking that lady. I swear. Yes. She is.","start_word":3178,"end_word":3303,"sentiment":"neutral","sentiment_score":-0.0034730706829577684},{"text":"She's a machine. She's very independent, Beautiful.","start_word":3304,"end_word":3310,"sentiment":"positive","sentiment_score":0.3780299425125122},{"text":"still at home, like, in the house. Yep. The assets are in the house, not cash in the Okay. bank. Yep. That's okay. Alright. So the only asset transfer that we'd be looking at is is the house. That's Do we yeah. that's fine. That that's okay. So that will happen when it happens, and that's something we can factor in when things happen. And, obviously, depending on how mom wants that asset to go, whether it gets divided between you and your siblings or whether, Yes. you know, between It's divided between us. yeah. And then depending on how you guys wanna want that to operate, you guys might decide to keep it and have it as an investment property. You might That's decide not to gonna sell happen. it.","start_word":3311,"end_word":3441,"sentiment":"neutral","sentiment_score":0.06372706262209943},{"text":"Cool.","start_word":3442,"end_word":3442,"sentiment":"positive","sentiment_score":0.4412733018398285},{"text":"We're selling it. We're we're selling it. It's like yeah.","start_word":3443,"end_word":3452,"sentiment":"neutral","sentiment_score":0.3194059729576111},{"text":"We're Absolutely. selling it. Cool.","start_word":3453,"end_word":3457,"sentiment":"positive","sentiment_score":0.4208509027957916},{"text":"So that that means that, you know, we'll we can deal with that when it comes. It's something I always Yeah. like to kind of have as a topic with conversation with any kind of potential client because there is a massive wealth transfer that will happen over the next twenty years plus thirty years. So it's always something good to consider as to what happens at that point. Obviously, we can't factor it in, but, you know, when and if that unfortunately does happen, we know it's always inevitable. But when it does happen, we'll we can cross that bridge at that time, and we can have a discussion I did about it all. I did say to I think his name was Jacob. Yeah. I did say to him that I would like to buy another property. Like, I live in a two bedroom unit now that I don't like. Yeah. I would like to have, like, live somewhere else. Like, this place where I live now was always going to be an investment Yep. because it's so it's like one street away from the train, the shops, and everything. Yep. I don't see myself living here forever. So whether yes. I I wouldn't mind buying something else. And if it means selling this, buying something, and then buying something through my super, I yeah. I don't know that I have enough, but I know you have to have a certain no income to buy through your super. Yeah. You you do. Yeah. Look where are we getting there? It's really sort of that $300,000 mark is kind Okay. of where you wanna be at. And we can definitely look at bridging into an SMSS because that's what you're talking about as a self managed super fund. Yeah. That's the only way that we can buy a property.","start_word":3458,"end_word":3767,"sentiment":"neutral","sentiment_score":0.01486778538674116},{"text":"We can definitely look at doing that when we hit that bridge.","start_word":3768,"end_word":3779,"sentiment":"positive","sentiment_score":0.4626332223415375},{"text":"Or, Yeah. alternatively, Okay. if you wanna keep the asset held personally because the the restriction is that if you own if you own the property through a self managed super fund, you have to have an arm's length, which means that you can't live in it. You can't Yeah. Of course. Is it an investment? yeah. Yeah. But what Absolutely. can happen is when we retire, that property meets a condition of release, and you could actually move into that property at retirement.","start_word":3780,"end_word":3863,"sentiment":"neutral","sentiment_score":0.08381882309913635},{"text":"How cool?","start_word":3864,"end_word":3865,"sentiment":"positive","sentiment_score":0.5529628992080688},{"text":"So there is still ways that you can through asset transfer and stuff like that, but we just need to really consider how that would look for you if we did that at, you know, looking at, you know, where you wanna buy prices and stuff like that. Okay. The reason it's towards 300,000, while you can do it at 200,000, it means that you are pretty much, like, bang on being able to, you know, service or not service. So Uh-huh.","start_word":3866,"end_word":3947,"sentiment":"neutral","sentiment_score":0.053897224366664886},{"text":"it becomes Go really, really hard to service a property ahead.","start_word":3948,"end_word":3958,"sentiment":"negative","sentiment_score":-0.3405693769454956},{"text":"when the only asset you have is the property. If any of your, you know, tenants move out and you have a couple of week gap, it becomes really difficult from a cash holding point of view Yeah. in being able to service the property ongoing. So having Yep. that little bit more three to three fifty gives you that bit of a a bridge to be able to actually service the property and, you know, have Yes. the cash flow to do everything you need to do with an investment property. You know, you still have all the overheads. Okay. Yeah. So we can focus on that as a, you know, a a goal for you. Alternatively, you know, equity within your property could also see you being able to purchase it personally. Yeah. Yeah. Yeah. That's what I'm definitely, in the next five years, Yeah. I definitely will be, yeah, buying something else.","start_word":3959,"end_word":4113,"sentiment":"neutral","sentiment_score":0.07991520315408707},{"text":"Cool.","start_word":4114,"end_word":4114,"sentiment":"positive","sentiment_score":0.3733802437782288},{"text":"Yeah. Equity, buy again. Yes. And I could see you basically buying maybe a property for you while you rent this one out. So, like, the your current property out. So that's, yeah, definitely something we can kinda look at from that point of view as well. Okay. So what I will do from here is I'm gonna go and research everything. So I'm gonna go and have a look at the insurance side of things. That's gonna be conversation I have to have tomorrow with my insurers. I'm pretty honestly confident that we're gonna be fine, but it's always something that I like to, you know, engage the insurers just if I'm dealing with multi, you know, health issues. Yep. But I I I I I'd be again, ten years, I don't really have too much of an issue. We will be looking into mental health. We will be looking at a back exclusion. Gonna be open and honest Yeah. about that, but I'm gonna go and still ask the question. The perimenopause preventative is not concerned about it. That's fine. I'll have a look at where my insurers sit, which one's best option from a features point of view, where they sit for your occupation, and what happens there, your in a sedentary job, so happy days. There's not gonna be anything too crazy from that point of view. I think the the the biggest part is just where it falls cost wise, how much we're gonna insure you for, and I'll run all those figures. And then I'll have a look at your superannuation fund seeing where we can move from, you know, an investment point of view, seeing how we can invest you to get a little bit better of an a compounding growth. You did come up as a, you know, pretty aggressive investor, which is fantastic. So we can definitely look at yeah. Yeah. So the the there there's really obscure questions about investing. You you Alright. came out of you came out of you know, not you you came out as quite an aggressive investor. Like, you're happy to take risk. You're you're happy to, you know, take on a loan to get a property to to to invest. You, you know, you wanna see growth out of your out of your out of your investment. You're not looking to be conservative yet. You're not looking to to to wind down. We're not, you know, closing our eyes and taking a nap and ready to retire.","start_word":4115,"end_word":4537,"sentiment":"neutral","sentiment_score":0.14128945951061608},{"text":"We're still kicking. We're still going. Yeah. So that means that we can take that that perseverance and keep going with it. Because the longer we're in the market, the better outcome we have, and we still got a good nearly thirty years. So we can definitely start using that and get that all happening from that point of view.","start_word":4538,"end_word":4597,"sentiment":"positive","sentiment_score":0.6257208585739136},{"text":"Yep.","start_word":4598,"end_word":4598,"sentiment":"neutral","sentiment_score":0.31178969144821167},{"text":"I think that the the biggest or the the best thing to do is just to sort of look at, obviously, conservative value based assets that we invest in.","start_word":4599,"end_word":4627,"sentiment":"positive","sentiment_score":0.3439198136329651},{"text":"We're not gonna go risky assets. We're not gonna go, you know, new start up businesses or anything like that. We're not gonna stock trade. We're gonna look at robust diversification. So means that we're gonna Yes. make sure that we invest across the market so that way if there is a dip, a turn, or whatever the case may be, that we have a really good market section so we're not gonna, you know, drop out and and lose all of our money. We Yeah. wanna make I'd sure that I'd we're like that. we're investing smart. We Yeah. don't wanna be paying exorbitant fees. We wanna make sure that we're sitting really nicely in in a good portfolio that's gonna give us value. So I'll look at how to put that portfolio together for you to get us, like, a bit of an aggressive overlay. So investing more so in the market and less conservatively. And what I mean from investing more in the market and less conservatively is when it comes to investments, you cash is an investment. Right? It is actually an investment. You know, you it generates the cash rate. So, you know, money sitting in the bank each month, the bank pays you a little bit of an interest. It is the most conservative investment you can pretty muchly get. Right? Kinda So does whilst nothing for you, though. it doesn't. No. So whilst it is an investment, it's a very conservative investment. Yeah. There are other other investments along those lines you can get. Government bonds, bank bonds, you know, fixed interest products. They're all conservative investments. They generate kind of three to 5% return depending on what the investment is. Nothing crazy, nothing high, pretty conservative. They can fall down depending on how the market's going, but sometimes they're there to cushion a a a a a portfolio.","start_word":4628,"end_word":4943,"sentiment":"neutral","sentiment_score":0.12154919123925458},{"text":"Probably gonna stay away from majority of those because you are someone that's willing to take a little bit more risk.","start_word":4944,"end_word":4964,"sentiment":"negative","sentiment_score":-0.3754251003265381},{"text":"But, again, Yeah. conservative risk. Thought risk. We're not gonna, you know, go and throw it all in in all black and fingers crossed. No. We don't either. So we focus on good solid blue stock companies. We we focus on good robust markets, and we look at long term investments. So Yes. whilst there can be volatility in the immediate, we're looking for the long term. Okay? And specifically because, you know, we we've got a couple good decades before we're looking to touch the money. We have the time to kind of weather those little storms that do happen. Yeah. So I'll look at how to put all of this together, looking at some contribution strategies, looking at, you know, mixing up our our superannuation investments and looking at our insurance. I'm gonna look at our income protection, obviously, replacing our income. Now I wanna be clear that we can only replace our income up to 70%. So a $100,000, I'm only gonna be able to replace 70,000 of it per year. Yes. The products limit us to that. Uh-huh. Is that okay? That's okay? Yes. Yes. Something's So better it is than nothing? it is what it is, isn't it? I need Yeah. to go and get a better job so I can increase my my baseline. 100%. Let me know, and I can increase it from there. But I'll I'll start out with that, and then what I'll do is Fabian's booked us in to have a chat Thursday. And what what we're gonna do Thursday, we'll go through the advice that I put together over the next couple of days.","start_word":4965,"end_word":5239,"sentiment":"neutral","sentiment_score":0.016440822072327138},{"text":"So the the last person that I spoke to, they also suggested that UniSuper was not the best fund for me.","start_word":5240,"end_word":5260,"sentiment":"negative","sentiment_score":-0.45630520582199097},{"text":"Yep. So where does that fall in all this? They recommended that I go with another company. Yep. So I I will look at UniSuper from an investment point of view. There are hundreds of of of of of super funds and thousands of investment options. Yes. So for me to remember all of them, look, I'm good. For me to remember all of them, I don't. I I research because the research puts my money where where my my where my mouth is. Yeah. I I look at UniSuper, and trust me, I've looked at it probably five times this week. But I look at UniSuper from a product point of view, from an investment offering point of view, from an historical performance, from a fees point of view to see where it's sitting. Is it you're sitting in a high growth investment structure, but if memory serves, their high growth isn't that invest isn't that aggressive. They don't really Yeah. have an aggressive investment option. That's what I was saying. Their performance is not bad if memory serves again. But, again, I've looked at quite a number of super funds this week alone, and we're only on Tuesday. So their their their performance hasn't been bad, but if there's something we can do that's a little bit better, let's do it. So When yeah. it comes That's what to the I'd be curious if your your analysis is gonna be the same as theirs or, you know, like, all kind of, like, different. yeah. Look. I could you could talk to five advisers and I get know. five They're gonna outcomes give you that a different are totally I know. different. That's And why this whole thing is so the overwhelming, like, yeah. you And know. the the out the outcomes will be similar but different. And it sometimes it's product. Like, look, AustralianSuper, UniSuper, they're all pretty much the same when it comes to industry funds. They're very Yep. limited in what they can offer you investment wise. The Uh-huh. product is there specifically to limit what they offer to make it dirt cheap. But it also means that they bulk they bulk have everyone through. You're a number, not a person. 100%. And that's why they don't care what you've nominated on your super funds as your beneficiary. Whereas what I do is I work with what's called a retail product that Yep. has thousands of investment offerings where I can purpose built portfolios for my clients, and I can invest in the ASX. I can invest in cryptocurrency adjacent products if I wanted to. I don't generally, but if I wanted to. I can invest in specific stock options if I wanted to. So if you you had a a a pent up need to invest in Tesla, we could invest in Tesla direct. There's options that I have that are available that aren't there under under an industry fund. And that's why an adviser can be more beneficial because we have options like that are that are available. Generally, the platform, they're all same same, but different. They all do have different features and different options and and stuff like that, but a a retail products are very similar in the way that they offer, you know, the same kind of service through an adviser. It's the same as retail products. They're offering the the not retail. Sorry. Your industry funds are offering very much the same same service. A retail provider sorry. An industry provider like your UniSuper, your AustralianSuper, they're just offering cookie cutter made investment portfolios. There's absolutely nothing Yes. wrong with that and nothing wrong with that.","start_word":5261,"end_word":5877,"sentiment":"neutral","sentiment_score":-0.019494474408136776},{"text":"I'm not gonna, you know, slam the industry funds because they've they've been doing it for decades, and they they do do a half decent job.","start_word":5878,"end_word":5903,"sentiment":"negative","sentiment_score":-0.440382868051529},{"text":"But, again, you're not a personal per you're not a personalized person.","start_word":5904,"end_word":5915,"sentiment":"neutral","sentiment_score":-0.30819395184516907},{"text":"You're a number, and they're not giving you that personal service.","start_word":5916,"end_word":5926,"sentiment":"negative","sentiment_score":-0.4262206256389618},{"text":"I Yeah. have client clients that try and retire by themselves. I have a client that I'm working with at the moment, pro bono. She's in her seventies, and she's trying to retire, and AustralianSuper has not helped her in any way, shape, or form.","start_word":5927,"end_word":5971,"sentiment":"neutral","sentiment_score":-0.18301896750926971},{"text":"And I've sat down and done all the documents to help her get her retirement because AustralianSuper has rejected all of her retirement documents, and they won't help her on how on how to retire. And the whole point in why they're supposed to be there is to help, and they won't help her.","start_word":5972,"end_word":6025,"sentiment":"negative","sentiment_score":-0.39814284443855286},{"text":"And she is a 70 year old who has no idea how to computer. You should go to a car and say, see how quickly I'll help again.","start_word":6026,"end_word":6053,"sentiment":"neutral","sentiment_score":-0.296820729970932},{"text":"That's ridiculous.","start_word":6054,"end_word":6055,"sentiment":"negative","sentiment_score":-0.468610018491745},{"text":"Possibly. Yeah. And I actually speak. Yeah. So the whole reason why I'm here and like I said at the beginning of our phone call, I'm one of those workaholic people.","start_word":6056,"end_word":6086,"sentiment":"neutral","sentiment_score":-0.04755682498216629},{"text":"So I really enjoy doing what I do. It sounds Oh, that's so awesome.","start_word":6087,"end_word":6100,"sentiment":"positive","sentiment_score":0.4110385179519654},{"text":"it sounds so silly, but I do. It's why I do the long nights. I'm gonna be honest. I've been here for twelve hours already. Oh, gosh. Yep. And I'll be here for a couple more, and Oh that's okay. my god. Yep. Shit. Well, Alicia, a lot nicer than the majority of the people that I've spoken to. I'll except for the last your colleague was really lovely. Oh, Fabian Fabian. was Yeah. really lovely. Yeah. Fabian's great.","start_word":6101,"end_word":6179,"sentiment":"neutral","sentiment_score":0.0832437127828598},{"text":"But the other gentleman was really fucking rude and pushy. Well, we don't like him anyway, so that's okay.","start_word":6180,"end_word":6198,"sentiment":"negative","sentiment_score":-0.4859186112880707},{"text":"Yeah. Oh, perfect. Well, I will get Okay. cracking with this and start getting a plan together, and then I'll speak to you in a couple of days. If there's any issues I have or if I run into any roadblocks or I can't Call get me. things turned around, No problem. I'll I'll just let you know on Thursday if we need to delay the advice, but I should be good. Honestly, I I don't waited think this long. Like I'm right. no. Good. No. I don't think I should have any issues, but I'll give you a call if I do.","start_word":6199,"end_word":6301,"sentiment":"neutral","sentiment_score":0.06343461464620331},{"text":"Thank you. That's okay. Go and Talk to have a you great night. You're home by the sounds soon.","start_word":6302,"end_word":6320,"sentiment":"positive","sentiment_score":0.5230951309204102},{"text":"of it, Oh so my go and god. enjoy Yeah. I'm so tired. it. No. Go, Gonna my love. chill. We'll speak soon. See you. Bye. Bye.","start_word":6321,"end_word":6347,"sentiment":"neutral","sentiment_score":0.035216595977544785}],"average":{"sentiment":"neutral","sentiment_score":-0.00956104322606251}}}}