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So as the senior adviser, I wanted to just jump on and go through that annual review with you if you still had about ten. Oh. Oh, jeez. Awesome. Cool. Cool, mate. Well, I won't get you to pull over and do anything strange. I'll run you through some updates and what's been going on. Are you okay if I just are you okay for the calls to be recorded, mate, for training and quality purposes? Fantastic. So what I'm doing is I'm sending you off an annual review pack now for when you've got a sec. I'll run you through the important bits, and you can just have a look at that when you do get off the road. Okay? Just for security purposes, so I'm registered with adviser as adviser one two seven three one zero five with. Are you okay to confirm your date of birth and address, please? Fantastic. Fantastic, mate. So what I've sent through to you is I'm sending through some performance figures for your Netwealth Super, your certificate for your insurance policy. So you've got an update on that one because you had an anniversary in February. We've got updated service guides with us with us with all the kind of consumer protections and license info. So all that's through in a bit of a pack for you. Couple things I wanted to go through with you was some changes we've been making to your portfolio. But before I do that, is there anything in particular you're hoping to get out of this year's review? Yeah. That's right. Is that kind of Yeah. Yeah. A bit of a local guy or something. Yeah. Yeah. Oh, okay. Yeah. Yeah. I'm with you. Right. Well, I'm glad I got to speak to you today because I'm basically the guy that can help you kind of clean it up and make sure you're comfortable with what you're doing. So that's my job for today, if that's alright. Goody. With the the changeover for the insurance, are you talking about how BT Life Insurance kinda went over to Tal, t a l, the green ones? Okay. So one of the cool things with the switch over from BT to TAL, there hasn't been any like, they haven't changed anything under the hood for the policy. Right? They've just kind of new company's taken over it. TAL is one of the big four insurers. They do most of the insurance for the super funds, like your Australian super, your your rest. I don't know if they do c bus, but they they do the insurance for most super funds, which is why they took over the BT ones because they're kind of in the best position to look after those policies. Now what that means is there's nothing really changed under the hood, which is good. If you cancel an insurance policy, like, you're well within your rights to cancel the policy, and they'll give you, like, a pro rata refund. Like, if you're halfway through the year and you've paid a yearly amount, they'll give you six months back if you cancel it. But this is just your life and disability insurance through the super. It's sitting there. Let me have a look at the policy document with you. Let me see if we need to change anything on it. We've got 400,000 worth of life insurance, 400,000 worth of total disability. Like, you can never work again. There's your lump sum that kind of pay off the mortgage kind of thing. What's the mortgage sitting out at the moment if you don't mind me asking? Was it still sitting around the 500 mark, or is that going down quite a bit? Yep. Yep. $3.80 and 500. Is one of those for investment property, or is it two loans on the one split line? Okay. Gotcha. Okay. Okay. Okay. Yeah. That's right. Because you got the you can still keep it as your main residence for a little while, the sort of five year rule. With your the two properties, is sorry. Rosemont Street, is that the bigger debt or the smaller debt? Bigger one. Yep. And just out of curiosity, how much is that one valued out at the moment? Okay. I'll go with that for now as a bit of a round figure. And the one that's got $3.80 owing on it, how much does that value that? Yeah. Yeah. So possibly over a mil now for the 500 k. Okay. Cool. So one of the things is you obviously don't wanna keep you don't need a whole heap of insurance to look after, like, an investment property. Right? Because, obviously, it's gonna be sold. It's gonna pay off the debt pretty much. So when it comes to that situation, let's say within the next twelve months, that property is gone and you're pretty well debt free, do you still need, you know, $3,400 of life insurance or something happens to you, the the missus and the kids are looked after? It's a small amount, but you don't need more than that, would you say, or how would that kind of look for you guys? Perfect. Perfect. And you just got the one daughter. Right? You just had the one daughter, wasn't it? Yeah. Okay. Cool. And are you guys married now or still the factor? Yep. Easy done. So plan is knock out that one, wipe out the debts, and then just keep the house that you're living in nice and debt free? Cool, Nick. You still there, mate? 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morning, Nicholas. It's Tommy here, senior adviser from. How are you doing? Mate, I'm just giving you a call because your adviser, Veronica, is away today. So as the senior adviser, I wanted to just jump on and go through that annual review with you if you still had about ten.\n\nOh. Oh, jeez. Awesome. Cool. Cool, mate.\n\nWell, I won't get you to pull over and do anything strange. I'll run you through some updates and what's been going on. Are you okay if I just are you okay for the calls to be recorded, mate, for training and quality purposes? Fantastic. So what I'm doing is I'm sending you off an annual review pack now for when you've got a sec.\n\nI'll run you through the important bits, and you can just have a look at that when you do get off the road. Okay? Just for security purposes, so I'm registered with adviser as adviser one two seven three one zero five with. Are you okay to confirm your date of birth and address, please? Fantastic.\n\nFantastic, mate. So what I've sent through to you is I'm sending through some performance figures for your Netwealth Super, your certificate for your insurance policy. So you've got an update on that one because you had an anniversary in February. We've got updated service guides with us with us with all the kind of consumer protections and license info. So all that's through in a bit of a pack for you.\n\nCouple things I wanted to go through with you was some changes we've been making to your portfolio. But before I do that, is there anything in particular you're hoping to get out of this year's review? Yeah. That's right. Is that kind of Yeah.\n\nYeah. A bit of a local guy or something. Yeah. Yeah. Oh, okay.\n\nYeah. Yeah. I'm with you. Right. Well, I'm glad I got to speak to you today because I'm basically the guy that can help you kind of clean it up and make sure you're comfortable with what you're doing.\n\nSo that's my job for today, if that's alright. Goody. With the the changeover for the insurance, are you talking about how BT Life Insurance kinda went over to Tal, t a l, the green ones? Okay. So one of the cool things with the switch over from BT to TAL, there hasn't been any like, they haven't changed anything under the hood for the policy.\n\nRight? They've just kind of new company's taken over it. TAL is one of the big four insurers. They do most of the insurance for the super funds, like your Australian super, your your rest. I don't know if they do c bus, but they they do the insurance for most super funds, which is why they took over the BT ones because they're kind of in the best position to look after those policies.\n\nNow what that means is there's nothing really changed under the hood, which is good. If you cancel an insurance policy, like, you're well within your rights to cancel the policy, and they'll give you, like, a pro rata refund. Like, if you're halfway through the year and you've paid a yearly amount, they'll give you six months back if you cancel it. But this is just your life and disability insurance through the super. It's sitting there.\n\nLet me have a look at the policy document with you. Let me see if we need to change anything on it. We've got 400,000 worth of life insurance, 400,000 worth of total disability. Like, you can never work again. There's your lump sum that kind of pay off the mortgage kind of thing.\n\nWhat's the mortgage sitting out at the moment if you don't mind me asking? Was it still sitting around the 500 mark, or is that going down quite a bit? Yep. Yep. $3.80 and 500.\n\nIs one of those for investment property, or is it two loans on the one split line? Okay. Gotcha. Okay. Okay.\n\nOkay. Yeah. That's right. Because you got the you can still keep it as your main residence for a little while, the sort of five year rule. With your the two properties, is sorry.\n\nRosemont Street, is that the bigger debt or the smaller debt? Bigger one. Yep. And just out of curiosity, how much is that one valued out at the moment? Okay.\n\nI'll go with that for now as a bit of a round figure. And the one that's got $3.80 owing on it, how much does that value that? Yeah. Yeah. So possibly over a mil now for the 500 k.\n\nOkay. Cool. So one of the things is you obviously don't wanna keep you don't need a whole heap of insurance to look after, like, an investment property. Right? Because, obviously, it's gonna be sold.\n\nIt's gonna pay off the debt pretty much. So when it comes to that situation, let's say within the next twelve months, that property is gone and you're pretty well debt free, do you still need, you know, $3,400 of life insurance or something happens to you, the the missus and the kids are looked after? It's a small amount, but you don't need more than that, would you say, or how would that kind of look for you guys? Perfect. Perfect.\n\nAnd you just got the one daughter. Right? You just had the one daughter, wasn't it? Yeah. Okay.\n\nCool. And are you guys married now or still the factor? Yep. Easy done. So plan is knock out that one, wipe out the debts, and then just keep the house that you're living in nice and debt free?\n\nCool, Nick. You still there, mate? I don't know if it's cut out the sound or the reception's cut out.","paragraphs":[{"sentences":[{"text":"Good morning, Nicholas.","start":3.36,"end":4.3199997,"sentiment":"neutral","sentiment_score":0.31515971819559735},{"text":"It's Tommy here, senior adviser from.","start":4.3199997,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.2599429140488307},{"text":"How are you doing?","start":6.3199997,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.21296167746186256},{"text":"Mate, I'm just giving you a call because your adviser, Veronica, is away today.","start":9.44,"end":13.94,"sentiment":"neutral","sentiment_score":0.015283900978309768},{"text":"So as the senior adviser, I wanted to just jump on and go through that annual review with you if you still had about ten.","start":13.995,"end":19.775,"sentiment":"neutral","sentiment_score":0.05245183922350407}],"sentiment":"neutral","sentiment_score":0.09388949890406086,"num_words":52,"start":3.36,"end":19.775},{"sentences":[{"text":"Oh.","start":32.97,"end":33.47,"sentiment":"neutral","sentiment_score":-0.11620863527059556},{"text":"Oh, jeez.","start":42.665,"end":43.405003,"sentiment":"neutral","sentiment_score":-0.037288504652678967},{"text":"Awesome.","start":45.305,"end":45.805,"sentiment":"positive","sentiment_score":0.372875452041626},{"text":"Cool.","start":47.865,"end":48.185,"sentiment":"neutral","sentiment_score":0.23393204808235168},{"text":"Cool, mate.","start":48.185,"end":48.665,"sentiment":"neutral","sentiment_score":0.3248950242996216}],"sentiment":"neutral","sentiment_score":0.15225884344960963,"num_words":7,"start":32.97,"end":48.665},{"sentences":[{"text":"Well, I won't get you to pull over and do anything strange.","start":48.665,"end":51.225002,"sentiment":"neutral","sentiment_score":-0.05580819398164749},{"text":"I'll run you through some updates and what's been going on.","start":51.225002,"end":54.49,"sentiment":"neutral","sentiment_score":0.011901246778672265},{"text":"Are you okay if I just are you okay for the calls to be recorded, mate, for training and quality purposes?","start":55.030003,"end":59.93,"sentiment":"neutral","sentiment_score":0.01180875146140655},{"text":"Fantastic.","start":61.510002,"end":62.010002,"sentiment":"positive","sentiment_score":0.3709000945091248},{"text":"So what I'm doing is I'm sending you off an annual review pack now for when you've got a sec.","start":62.15,"end":66.375,"sentiment":"neutral","sentiment_score":0.16311245821416379}],"sentiment":"neutral","sentiment_score":0.05142074501950097,"num_words":65,"start":48.665,"end":66.375},{"sentences":[{"text":"I'll run you through the important bits, and you can just have a look at that when you do get off the road.","start":66.455,"end":70.295,"sentiment":"neutral","sentiment_score":0.06893338457397792},{"text":"Okay?","start":70.295,"end":70.795,"sentiment":"neutral","sentiment_score":0.05742191895842552},{"text":"Just for security purposes, so I'm registered with adviser as adviser one two seven three one zero five with.","start":72.535,"end":78.955,"sentiment":"neutral","sentiment_score":0.03648325614631176},{"text":"Are you okay to confirm your date of birth and address, please?","start":79.415,"end":82.35,"sentiment":"neutral","sentiment_score":0.03390756715089083},{"text":"Fantastic.","start":90.509995,"end":91.009995,"sentiment":"positive","sentiment_score":0.5719431638717651}],"sentiment":"neutral","sentiment_score":0.05919474286825529,"num_words":56,"start":66.455,"end":91.009995},{"sentences":[{"text":"Fantastic, mate.","start":91.15,"end":91.869995,"sentiment":"positive","sentiment_score":0.566717118024826},{"text":"So what I've sent through to you is I'm sending through some performance figures for your Netwealth Super, your certificate for your insurance policy.","start":91.869995,"end":100.615,"sentiment":"neutral","sentiment_score":0.19242962449789047},{"text":"So you've got an update on that one because you had an anniversary in February.","start":100.615,"end":104.715,"sentiment":"neutral","sentiment_score":0.29344640374183656},{"text":"We've got updated service guides with us with us with all the kind of consumer protections and license info.","start":105.335,"end":112.634995,"sentiment":"positive","sentiment_score":0.35730213240573283},{"text":"So all that's through in a bit of a pack for you.","start":112.71,"end":115.049995,"sentiment":"neutral","sentiment_score":0.32695678373177844}],"sentiment":"neutral","sentiment_score":0.28980087778634495,"num_words":72,"start":91.15,"end":115.049995},{"sentences":[{"text":"Couple things I wanted to go through with you was some changes we've been making to your portfolio.","start":115.909996,"end":120.25,"sentiment":"neutral","sentiment_score":0.235115308728483},{"text":"But before I do that, is there anything in particular you're hoping to get out of this year's review?","start":120.71,"end":125.115,"sentiment":"neutral","sentiment_score":0.0963946490695602},{"text":"Yeah.","start":135.11499,"end":135.435,"sentiment":"neutral","sentiment_score":-0.18227551877498627},{"text":"That's right.","start":135.435,"end":136.155,"sentiment":"neutral","sentiment_score":-0.23283186554908752},{"text":"Is that kind of Yeah.","start":136.155,"end":151.655,"sentiment":"negative","sentiment_score":-0.40385364890098574}],"sentiment":"neutral","sentiment_score":0.07547480877902772,"num_words":45,"start":115.909996,"end":151.655},{"sentences":[{"text":"Yeah.","start":151.655,"end":151.815,"sentiment":"neutral","sentiment_score":-0.1669769138097763},{"text":"A bit of a local guy or something.","start":151.815,"end":153.435,"sentiment":"neutral","sentiment_score":-0.1943756453692913},{"text":"Yeah.","start":163.67,"end":163.91,"sentiment":"neutral","sentiment_score":-0.13181333243846893},{"text":"Yeah.","start":163.91,"end":164.41,"sentiment":"neutral","sentiment_score":-0.21786904335021973},{"text":"Oh, okay.","start":175.125,"end":176.02501,"sentiment":"neutral","sentiment_score":-0.13574597239494324}],"sentiment":"neutral","sentiment_score":-0.1802427997955909,"num_words":13,"start":151.655,"end":176.02501},{"sentences":[{"text":"Yeah.","start":176.325,"end":176.565,"sentiment":"neutral","sentiment_score":-0.08431161940097809},{"text":"Yeah.","start":176.565,"end":176.80501,"sentiment":"neutral","sentiment_score":-0.08157465606927872},{"text":"I'm with you.","start":176.80501,"end":177.625,"sentiment":"neutral","sentiment_score":-0.11559438953797023},{"text":"Right.","start":190.66,"end":190.98,"sentiment":"neutral","sentiment_score":-0.1002725139260292},{"text":"Well, I'm glad I got to speak to you today because I'm basically the guy that can help you kind of clean it up and make sure you're comfortable with what you're doing.","start":190.98,"end":198.42,"sentiment":"positive","sentiment_score":0.6387858806234418}],"sentiment":"positive","sentiment_score":0.524794669296497,"num_words":39,"start":176.325,"end":198.42},{"sentences":[{"text":"So that's my job for today, if that's alright.","start":198.42,"end":200.44,"sentiment":"positive","sentiment_score":0.44364937477641636},{"text":"Goody.","start":202.005,"end":202.505,"sentiment":"positive","sentiment_score":0.4670417308807373},{"text":"With the the changeover for the insurance, are you talking about how BT Life Insurance kinda went over to Tal, t a l, the green ones?","start":202.565,"end":210.585,"sentiment":"neutral","sentiment_score":-0.00720873514476877},{"text":"Okay.","start":221.62,"end":222.1,"sentiment":"neutral","sentiment_score":-0.05576988309621811},{"text":"So one of the cool things with the switch over from BT to TAL, there hasn't been any like, they haven't changed anything under the hood for the policy.","start":222.1,"end":231.605,"sentiment":"neutral","sentiment_score":0.0009175366240328755}],"sentiment":"neutral","sentiment_score":0.06429238892583684,"num_words":66,"start":198.42,"end":231.605},{"sentences":[{"text":"Right?","start":231.605,"end":231.845,"sentiment":"neutral","sentiment_score":-0.009151031263172626},{"text":"They've just kind of new company's taken over it.","start":231.845,"end":234.405,"sentiment":"neutral","sentiment_score":-0.049873573498593435},{"text":"TAL is one of the big four insurers.","start":234.405,"end":237.065,"sentiment":"neutral","sentiment_score":0.004140476929023862},{"text":"They do most of the insurance for the super funds, like your Australian super, your your rest.","start":237.285,"end":242.75,"sentiment":"neutral","sentiment_score":0.05878854915499687},{"text":"I don't know if they do c bus, but they they do the insurance for most super funds, which is why they took over the BT ones because they're kind of in the best position to look after those policies.","start":243.29001,"end":253.23001,"sentiment":"neutral","sentiment_score":0.04702128269709647}],"sentiment":"neutral","sentiment_score":0.032738230216006435,"num_words":75,"start":231.605,"end":253.23001},{"sentences":[{"text":"Now what that means is there's nothing really changed under the hood, which is good.","start":255.105,"end":258.565,"sentiment":"neutral","sentiment_score":0.08095064411560694},{"text":"If you cancel an insurance policy, like, you're well within your rights to cancel the policy, and they'll give you, like, a pro rata refund.","start":259.185,"end":267.04498,"sentiment":"neutral","sentiment_score":0.012426752299070358},{"text":"Like, if you're halfway through the year and you've paid a yearly amount, they'll give you six months back if you cancel it.","start":267.18,"end":272.96,"sentiment":"neutral","sentiment_score":0.04818194229965624},{"text":"But this is just your life and disability insurance through the super.","start":273.18,"end":276.88,"sentiment":"neutral","sentiment_score":0.07352469737331073},{"text":"It's sitting there.","start":279.625,"end":280.425,"sentiment":"neutral","sentiment_score":0.01764352231596907}],"sentiment":"neutral","sentiment_score":0.04574794971193068,"num_words":78,"start":255.105,"end":280.425},{"sentences":[{"text":"Let me have a look at the policy document with you.","start":280.425,"end":282.505,"sentiment":"neutral","sentiment_score":0.03105147851800377},{"text":"Let me see if we need to change anything on it.","start":282.505,"end":284.685,"sentiment":"neutral","sentiment_score":-0.09978814524683086},{"text":"We've got 400,000 worth of life insurance, 400,000 worth of total disability.","start":284.82498,"end":291.485,"sentiment":"neutral","sentiment_score":-0.13234241617222628},{"text":"Like, you can never work again.","start":291.54498,"end":293.005,"sentiment":"neutral","sentiment_score":-0.2314146583278974},{"text":"There's your lump sum that kind of pay off the mortgage kind of thing.","start":293.01,"end":295.99002,"sentiment":"neutral","sentiment_score":-0.06616163147347313}],"sentiment":"neutral","sentiment_score":-0.08627709479036706,"num_words":54,"start":280.425,"end":295.99002},{"sentences":[{"text":"What's the mortgage sitting out at the moment if you don't mind me asking?","start":298.13,"end":300.85,"sentiment":"neutral","sentiment_score":-0.05695107925151076},{"text":"Was it still sitting around the 500 mark, or is that going down quite a bit?","start":300.85,"end":303.99002,"sentiment":"neutral","sentiment_score":-0.11333383433520794},{"text":"Yep.","start":313.585,"end":313.905,"sentiment":"neutral","sentiment_score":0.0240769200026989},{"text":"Yep.","start":313.905,"end":314.305,"sentiment":"neutral","sentiment_score":0.025802820920944217},{"text":"$3.80 and 500.","start":314.305,"end":315.425,"sentiment":"neutral","sentiment_score":0.007440836479266484}],"sentiment":"neutral","sentiment_score":-0.07252726310065814,"num_words":35,"start":298.13,"end":315.425},{"sentences":[{"text":"Is one of those for investment property, or is it two loans on the one split line?","start":315.425,"end":319.365,"sentiment":"neutral","sentiment_score":-0.004402111284434795},{"text":"Okay.","start":325.5,"end":326.0,"sentiment":"neutral","sentiment_score":-0.029012121260166168},{"text":"Gotcha.","start":334.15503,"end":334.65503,"sentiment":"neutral","sentiment_score":0.022629370912909508},{"text":"Okay.","start":344.65,"end":345.15,"sentiment":"neutral","sentiment_score":0.0321040116250515},{"text":"Okay.","start":350.57,"end":351.07,"sentiment":"neutral","sentiment_score":-0.02622419036924839}],"sentiment":"neutral","sentiment_score":-0.003587562901278337,"num_words":21,"start":315.425,"end":351.07},{"sentences":[{"text":"Okay.","start":367.545,"end":368.045,"sentiment":"neutral","sentiment_score":0.03220929950475693},{"text":"Yeah.","start":369.15,"end":369.39,"sentiment":"neutral","sentiment_score":0.07073870301246643},{"text":"That's right.","start":369.39,"end":369.95,"sentiment":"neutral","sentiment_score":0.13444752246141434},{"text":"Because you got the you can still keep it as your main residence for a little while, the sort of five year rule.","start":369.95,"end":376.69,"sentiment":"neutral","sentiment_score":0.07917113286321578},{"text":"With your the two properties, is sorry.","start":376.83002,"end":381.01,"sentiment":"neutral","sentiment_score":-0.05025686589734895}],"sentiment":"neutral","sentiment_score":0.05414650123566389,"num_words":34,"start":367.545,"end":381.01},{"sentences":[{"text":"Rosemont Street, is that the bigger debt or the smaller debt?","start":382.27,"end":385.625,"sentiment":"neutral","sentiment_score":-0.09571527621962807},{"text":"Bigger one.","start":387.20502,"end":387.765,"sentiment":"neutral","sentiment_score":0.010640643537044525},{"text":"Yep.","start":387.765,"end":388.08502,"sentiment":"neutral","sentiment_score":0.0351649634540081},{"text":"And just out of curiosity, how much is that one valued out at the moment?","start":388.08502,"end":391.86502,"sentiment":"neutral","sentiment_score":-0.010264744982123375},{"text":"Okay.","start":399.78,"end":400.28,"sentiment":"neutral","sentiment_score":-0.06045129895210266}],"sentiment":"neutral","sentiment_score":-0.0403614753857255,"num_words":30,"start":382.27,"end":400.28},{"sentences":[{"text":"I'll go with that for now as a bit of a round figure.","start":400.34,"end":402.25998,"sentiment":"neutral","sentiment_score":0.010272891905445319},{"text":"And the one that's got $3.80 owing on it, how much does that value that?","start":402.25998,"end":405.88,"sentiment":"neutral","sentiment_score":-0.005656844734524687},{"text":"Yeah.","start":413.715,"end":413.95502,"sentiment":"neutral","sentiment_score":0.007692964747548103},{"text":"Yeah.","start":413.95502,"end":414.195,"sentiment":"neutral","sentiment_score":0.010356814600527288},{"text":"So possibly over a mil now for the 500 k.","start":414.195,"end":418.755,"sentiment":"neutral","sentiment_score":0.022761409636586905}],"sentiment":"neutral","sentiment_score":0.007358969986671582,"num_words":40,"start":400.34,"end":418.755},{"sentences":[{"text":"Okay.","start":418.755,"end":418.995,"sentiment":"neutral","sentiment_score":0.1501825451850891},{"text":"Cool.","start":418.995,"end":419.495,"sentiment":"neutral","sentiment_score":0.2830132246017456},{"text":"So one of the things is you obviously don't wanna keep you don't need a whole heap of insurance to look after, like, an investment property.","start":419.95502,"end":426.62,"sentiment":"neutral","sentiment_score":-0.03890534547659067},{"text":"Right?","start":426.62,"end":426.86,"sentiment":"neutral","sentiment_score":0.006513044238090515},{"text":"Because, obviously, it's gonna be sold.","start":426.86,"end":428.78,"sentiment":"neutral","sentiment_score":-0.012120934824148813}],"sentiment":"neutral","sentiment_score":-0.018415879351752144,"num_words":35,"start":418.755,"end":428.78},{"sentences":[{"text":"It's gonna pay off the debt pretty much.","start":428.78,"end":432.13998,"sentiment":"neutral","sentiment_score":-0.032133829314261675},{"text":"So when it comes to that situation, let's say within the next twelve months, that property is gone and you're pretty well debt free, do you still need, you know, $3,400 of life insurance or something happens to you, the the missus and the kids are looked after?","start":432.13998,"end":446.785,"sentiment":"neutral","sentiment_score":-0.05905912374146283},{"text":"It's a small amount, but you don't need more than that, would you say, or how would that kind of look for you guys?","start":448.36502,"end":453.66998,"sentiment":"neutral","sentiment_score":-0.11376823500419657},{"text":"Perfect.","start":462.625,"end":463.025,"sentiment":"neutral","sentiment_score":0.246653214097023},{"text":"Perfect.","start":463.025,"end":463.345,"sentiment":"neutral","sentiment_score":0.2694891095161438}],"sentiment":"neutral","sentiment_score":-0.06470980354380317,"num_words":82,"start":428.78,"end":463.345},{"sentences":[{"text":"And you just got the one daughter.","start":463.345,"end":464.545,"sentiment":"neutral","sentiment_score":-0.018280292195933207},{"text":"Right?","start":464.545,"end":465.045,"sentiment":"neutral","sentiment_score":0.003224305808544159},{"text":"You just had the one daughter, wasn't it?","start":468.625,"end":470.64502,"sentiment":"neutral","sentiment_score":-0.024988321121782064},{"text":"Yeah.","start":472.225,"end":472.70502,"sentiment":"neutral","sentiment_score":0.04799854755401611},{"text":"Okay.","start":472.70502,"end":473.105,"sentiment":"neutral","sentiment_score":0.08964474499225616}],"sentiment":"neutral","sentiment_score":-0.010388945332831807,"num_words":18,"start":463.345,"end":473.105},{"sentences":[{"text":"Cool.","start":473.105,"end":473.42502,"sentiment":"neutral","sentiment_score":0.1517774909734726},{"text":"And are you guys married now or still the factor?","start":473.42502,"end":476.95,"sentiment":"neutral","sentiment_score":0.017431500554084777},{"text":"Yep.","start":479.81003,"end":480.29,"sentiment":"neutral","sentiment_score":0.05117115378379822},{"text":"Easy done.","start":480.29,"end":480.93002,"sentiment":"neutral","sentiment_score":0.17455449979752302},{"text":"So plan is knock out that one, wipe out the debts, and then just keep the house that you're living in nice and debt free?","start":480.93002,"end":486.95,"sentiment":"positive","sentiment_score":0.380182226896286}],"sentiment":"neutral","sentiment_score":0.2623314954435978,"num_words":39,"start":473.105,"end":486.95},{"sentences":[{"text":"Cool, Nick.","start":493.905,"end":494.305,"sentiment":"positive","sentiment_score":0.518576443195343},{"text":"You still there, mate?","start":494.305,"end":494.945,"sentiment":"neutral","sentiment_score":0.07748681493103504},{"text":"I don't know if it's cut out the sound or the reception's cut out.","start":494.945,"end":498.645,"sentiment":"negative","sentiment_score":-0.44820631774408476}],"sentiment":"neutral","sentiment_score":-0.24638941511511803,"num_words":20,"start":493.905,"end":498.645}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. I'm not so bad, man. Yep. Yeah. I'm, yeah, I'm actually on the road at the moment. I got my ear plugs in, so I've, yeah, We've got buddy. So I'm like, come in. So trying to get a shit out of the way. So yeah. I'll yes. Now I've got a fucking wide light coming towards me. Yeah. Yeah. Go for it. Go for it. I'll I'll just keep listening. I'll keep driving. Alright. Yep. Yeah. Yeah. No worries. Yeah. Yep. Yep. Yep. Fair enough. The 5th 70 And 6 Rosemont Street in Austria, in 6333. Yep. Yep. Yeah. Well, actually, I never realized that you blokes are actually financial advisers when someone else does me super. Well, I never knew that at all. Yeah. That's from there with tax lady said to me. She goes, no. They're not your super. They're your financial advisers. I thought, well, shit. If I've done that, I would never have done it, actually, to tell you the truth, because I would've just got one around the corner from home. You know what I mean? So yeah. Yeah. Big time. So I never I never knew that, but I was reading about the so the insurance thing that I've got was what ended they're called now because it's changed, haven't it? To get out of that is quite hefty penalties and shit like that. So I don't even do you know what I mean? It's it sounds a bit bloody dodgy now. So I just this doesn't sound yeah. Like, obviously, that's changed hands. Someone's bought something somewhere, and and, yeah, just what I was reading about it. It's like, yeah, far out. Well, it was up in the show when we were here. So yep. Yep. Yeah. Yeah. That's yeah. That's I think I was eating to get out of that town which I've I've been getting quite hefty penalties and shit like that. So anyway, well, that's that's what I meant. Yep. Yep. Yep. Yep. Yep. Yes. Yep. Yes. Yep. Yep. Yep. Well, I've got 3. One's about $3.80 or something like that. The other one's 500. Oh, but it was yeah. It was it was our main main house, so it doesn't come under investment line at the moment. But we've only got, like, probably twelve months until we've gotta sell it. So before shit changes. So yeah. But that that'll pay off that'll pay off, obviously, that and it'll pay off our house that we live in there. So we won't have it. We'll be debt free, basically. So yeah. So, yeah, that's how that sort of stands. Yeah. I don't know. The missus missus or does that sort of we've we've got another so the house we're in now down south is we've been in there for four years or something, and she said we've only got five years with the other house before we have to sell it. So yeah. So Yes. Yep. Yep. That's the bigger one. Yep. But oh, shit. You're not even sitting around. You're like, sitting down the waist that it it I think it was ran high, annoying or something. The last valuation we had was $9.40. That was probably, I don't know, two years ago, I suppose. Yep. Yep. Yep. No. No. They didn't. No. I'm not gonna be swapping this in in the door on the ground. Keep the face. So yeah. So, yeah, I'm I'm not I don't need any more than that. What's that? Yeah. Yep. Yep. 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Yeah. I'm not so bad, man. Yep. Yeah.\n\nI'm, yeah, I'm actually on the road at the moment. I got my ear plugs in, so I've, yeah, We've got buddy. So I'm like, come in. So trying to get a shit out of the way. So yeah.\n\nI'll yes. Now I've got a fucking wide light coming towards me. Yeah. Yeah. Go for it.\n\nGo for it. I'll I'll just keep listening. I'll keep driving. Alright. Yep.\n\nYeah. Yeah. No worries. Yeah. Yep.\n\nYep. Yep. Fair enough. The 5th 70 And 6 Rosemont Street in Austria, in 6333. Yep.\n\nYep. Yeah. Well, actually, I never realized that you blokes are actually financial advisers when someone else does me super. Well, I never knew that at all. Yeah.\n\nThat's from there with tax lady said to me. She goes, no. They're not your super. They're your financial advisers. I thought, well, shit.\n\nIf I've done that, I would never have done it, actually, to tell you the truth, because I would've just got one around the corner from home. You know what I mean? So yeah. Yeah. Big time.\n\nSo I never I never knew that, but I was reading about the so the insurance thing that I've got was what ended they're called now because it's changed, haven't it? To get out of that is quite hefty penalties and shit like that. So I don't even do you know what I mean? It's it sounds a bit bloody dodgy now. So I just this doesn't sound yeah.\n\nLike, obviously, that's changed hands. Someone's bought something somewhere, and and, yeah, just what I was reading about it. It's like, yeah, far out. Well, it was up in the show when we were here. So yep.\n\nYep. Yeah. Yeah. That's yeah. That's I think I was eating to get out of that town which I've I've been getting quite hefty penalties and shit like that.\n\nSo anyway, well, that's that's what I meant. Yep. Yep. Yep. Yep.\n\nYep. Yes. Yep. Yes. Yep.\n\nYep. Yep. Well, I've got 3. One's about $3.80 or something like that. The other one's 500.\n\nOh, but it was yeah. It was it was our main main house, so it doesn't come under investment line at the moment. But we've only got, like, probably twelve months until we've gotta sell it. So before shit changes. So yeah.\n\nBut that that'll pay off that'll pay off, obviously, that and it'll pay off our house that we live in there. So we won't have it. We'll be debt free, basically. So yeah. So, yeah, that's how that sort of stands.\n\nYeah. I don't know. The missus missus or does that sort of we've we've got another so the house we're in now down south is we've been in there for four years or something, and she said we've only got five years with the other house before we have to sell it. So yeah. So Yes.\n\nYep. Yep. That's the bigger one. Yep. But oh, shit.\n\nYou're not even sitting around. You're like, sitting down the waist that it it I think it was ran high, annoying or something. The last valuation we had was $9.40. That was probably, I don't know, two years ago, I suppose. Yep.\n\nYep. Yep. No. No. They didn't.\n\nNo. I'm not gonna be swapping this in in the door on the ground. Keep the face. So yeah. So, yeah, I'm I'm not I don't need any more than that.\n\nWhat's that? Yeah. Yep. Yep. No.\n\nNo. Just the back door.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.8399999,"end":2.34,"sentiment":"neutral","sentiment_score":0.04381521791219711},{"text":"Yeah.","start":7.44,"end":7.7599998,"sentiment":"neutral","sentiment_score":0.10660021007061005},{"text":"I'm not so bad, man.","start":7.7599998,"end":9.059999,"sentiment":"neutral","sentiment_score":0.0844710886478424},{"text":"Yep.","start":20.805,"end":21.305,"sentiment":"neutral","sentiment_score":0.027922360226511955},{"text":"Yeah.","start":21.525,"end":21.845,"sentiment":"neutral","sentiment_score":0.01505930908024311}],"sentiment":"neutral","sentiment_score":0.06841694894764158,"num_words":9,"start":1.8399999,"end":21.845},{"sentences":[{"text":"I'm, yeah, I'm actually on the road at the moment.","start":21.845,"end":24.645,"sentiment":"neutral","sentiment_score":-0.02785732988268137},{"text":"I got my ear plugs in, so I've, yeah, We've got 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I've got 3.","start":305.775,"end":306.915,"sentiment":"neutral","sentiment_score":-0.02171100117266178},{"text":"One's about $3.80 or something like that.","start":308.495,"end":311.455,"sentiment":"neutral","sentiment_score":-0.011783805010574204},{"text":"The other one's 500.","start":311.455,"end":312.91498,"sentiment":"neutral","sentiment_score":-0.02425682218745351}],"sentiment":"neutral","sentiment_score":-0.014048264416701654,"num_words":17,"start":293.61,"end":312.91498},{"sentences":[{"text":"Oh, but it was yeah.","start":318.32,"end":319.84,"sentiment":"neutral","sentiment_score":-0.009950995631515979},{"text":"It was it was our main main house, so it doesn't come under investment line at the moment.","start":319.84,"end":325.86002,"sentiment":"neutral","sentiment_score":-0.05172000411483976},{"text":"But we've only got, like, probably twelve months until we've gotta sell it.","start":326.4,"end":330.66498,"sentiment":"neutral","sentiment_score":-0.16002581555109757},{"text":"So before shit changes.","start":330.66498,"end":333.065,"sentiment":"neutral","sentiment_score":-0.13798486068844795},{"text":"So yeah.","start":333.065,"end":334.745,"sentiment":"neutral","sentiment_score":0.03549344837665558}],"sentiment":"neutral","sentiment_score":-0.08433340953308202,"num_words":42,"start":318.32,"end":334.745},{"sentences":[{"text":"But that that'll pay off that'll pay off, obviously, that and it'll pay off our house that we live in there.","start":334.745,"end":341.22498,"sentiment":"neutral","sentiment_score":0.007549420176517396},{"text":"So we won't have it.","start":341.22498,"end":342.37,"sentiment":"neutral","sentiment_score":-0.14940676540136338},{"text":"We'll be debt free, basically.","start":342.37,"end":343.66998,"sentiment":"neutral","sentiment_score":0.025628656893968583},{"text":"So yeah.","start":344.21,"end":346.21,"sentiment":"neutral","sentiment_score":0.02207173779606819},{"text":"So, yeah, that's how that sort of stands.","start":346.21,"end":349.75,"sentiment":"neutral","sentiment_score":0.027707803063094616}],"sentiment":"neutral","sentiment_score":-0.004745044359346715,"num_words":41,"start":334.745,"end":349.75},{"sentences":[{"text":"Yeah.","start":350.21,"end":350.53,"sentiment":"neutral","sentiment_score":0.00227590836584568},{"text":"I don't know.","start":350.53,"end":351.00998,"sentiment":"neutral","sentiment_score":-0.05406998470425606},{"text":"The missus missus or does that sort of we've we've got another so the house we're in now down south is we've been in there for four years or something, and she said we've only got five years with the other house before we have to sell it.","start":351.00998,"end":366.445,"sentiment":"neutral","sentiment_score":-0.07113018779394527},{"text":"So yeah.","start":366.445,"end":368.385,"sentiment":"neutral","sentiment_score":0.01901589147746563},{"text":"So Yes.","start":368.845,"end":375.35,"sentiment":"neutral","sentiment_score":0.04362718388438225}],"sentiment":"neutral","sentiment_score":-0.061587444805939286,"num_words":56,"start":350.21,"end":375.35},{"sentences":[{"text":"Yep.","start":384.61002,"end":384.86002,"sentiment":"neutral","sentiment_score":-0.059619106352329254},{"text":"Yep.","start":384.86002,"end":385.36002,"sentiment":"neutral","sentiment_score":-0.04676085337996483},{"text":"That's the bigger one.","start":386.005,"end":387.065,"sentiment":"neutral","sentiment_score":-0.07974603679031134},{"text":"Yep.","start":388.645,"end":389.145,"sentiment":"neutral","sentiment_score":0.0014599906280636787},{"text":"But oh, shit.","start":391.405,"end":394.725,"sentiment":"negative","sentiment_score":-0.4878750791152318}],"sentiment":"neutral","sentiment_score":-0.18875293536111712,"num_words":10,"start":384.61002,"end":394.725},{"sentences":[{"text":"You're not even sitting around.","start":394.725,"end":395.765,"sentiment":"negative","sentiment_score":-0.7206373453140259},{"text":"You're like, sitting down the waist that it it I think it was ran high, annoying or something.","start":395.765,"end":399.385,"sentiment":"negative","sentiment_score":-0.6596876084804535},{"text":"The last valuation we had was $9.40.","start":406.63998,"end":409.22,"sentiment":"neutral","sentiment_score":-0.0751349303339209},{"text":"That was probably, I don't know, two years ago, I suppose.","start":409.36,"end":413.22,"sentiment":"neutral","sentiment_score":-0.08924768357114359},{"text":"Yep.","start":424.575,"end":425.075,"sentiment":"neutral","sentiment_score":-0.01650056801736355}],"sentiment":"negative","sentiment_score":-0.40480317330608767,"num_words":42,"start":394.725,"end":425.075},{"sentences":[{"text":"Yep.","start":431.06,"end":431.56,"sentiment":"neutral","sentiment_score":-0.05010146647691727},{"text":"Yep.","start":439.62,"end":440.12,"sentiment":"neutral","sentiment_score":-0.037341490387916565},{"text":"No.","start":452.83502,"end":452.995,"sentiment":"neutral","sentiment_score":-0.28636154532432556},{"text":"No.","start":452.995,"end":453.23502,"sentiment":"negative","sentiment_score":-0.3573780655860901},{"text":"They didn't.","start":453.23502,"end":453.89502,"sentiment":"neutral","sentiment_score":-0.2254248484969139}],"sentiment":"neutral","sentiment_score":-0.1970053774615129,"num_words":6,"start":431.06,"end":453.89502},{"sentences":[{"text":"No.","start":454.275,"end":454.515,"sentiment":"neutral","sentiment_score":-0.2907896041870117},{"text":"I'm not gonna be swapping this in in the door on the ground.","start":454.515,"end":458.45,"sentiment":"neutral","sentiment_score":-0.3147602608570686},{"text":"Keep the face.","start":458.45,"end":459.43002,"sentiment":"neutral","sentiment_score":-0.18198258181413016},{"text":"So yeah.","start":459.49002,"end":461.03,"sentiment":"neutral","sentiment_score":0.006834507919847965},{"text":"So, yeah, I'm I'm not I don't need any more than that.","start":462.69,"end":465.43002,"sentiment":"neutral","sentiment_score":0.013323585502803326}],"sentiment":"neutral","sentiment_score":-0.15338931286767607,"num_words":31,"start":454.275,"end":465.43002},{"sentences":[{"text":"What's that?","start":467.41,"end":468.23,"sentiment":"neutral","sentiment_score":-0.025088761001825333},{"text":"Yeah.","start":471.125,"end":471.36502,"sentiment":"neutral","sentiment_score":0.022773049771785736},{"text":"Yep.","start":471.36502,"end":471.86502,"sentiment":"neutral","sentiment_score":0.02824951708316803},{"text":"Yep.","start":477.765,"end":478.08502,"sentiment":"neutral","sentiment_score":-0.014802603982388972},{"text":"No.","start":478.08502,"end":478.325,"sentiment":"neutral","sentiment_score":-0.13634473085403442}],"sentiment":"neutral","sentiment_score":-0.025050381664186716,"num_words":6,"start":467.41,"end":478.325},{"sentences":[{"text":"No.","start":478.325,"end":478.565,"sentiment":"neutral","sentiment_score":-0.12915951013565063},{"text":"Just the back door.","start":478.565,"end":479.70502,"sentiment":"neutral","sentiment_score":-0.13028192892670631}],"sentiment":"neutral","sentiment_score":-0.13005744516849518,"num_words":5,"start":478.325,"end":479.70502}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good morning, Nicholas. It's Tommy here, senior adviser from. How are you doing?\n\nChannel 1: Yeah. I'm not so bad, man.\n\nChannel 0: Mate, I'm just giving you a call because your adviser, Veronica, is away today. So as the senior adviser, I wanted to just jump on and go through that annual review with you if you still had about ten.\n\nChannel 1: Yep. Yeah. I'm, yeah, I'm actually on the road at the moment. I got my ear plugs in, so I've, yeah, We've got buddy. So I'm like, come in.\n\nSo trying\n\nChannel 0: Oh.\n\nChannel 1: to get a shit out of the way. So yeah. I'll yes. Now I've got a fucking wide light coming towards me.\n\nChannel 0: Oh,\n\nChannel 1: Yeah.\n\nChannel 0: jeez.\n\nChannel 1: Yeah. Go for it. Go for it. I'll\n\nChannel 0: Awesome.\n\nChannel 1: I'll just keep listening. I'll keep driving. Alright.\n\nChannel 0: Cool. Cool, mate. Well, I won't get you to pull over and do anything strange. I'll run you through some updates and what's been going on. Are you\n\nChannel 1: Yep.\n\nChannel 0: okay if I just are you okay for the calls to be recorded, mate, for training and quality purposes?\n\nChannel 1: Yeah. Yeah. No worries.\n\nChannel 0: Fantastic. So what I'm doing is I'm sending you off an annual review pack now for when you've got a sec. I'll run you through\n\nChannel 1: Yeah.\n\nChannel 0: the important bits, and you can just have a look at that when you do get off the road. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Just for security purposes, so I'm registered with adviser as adviser one two seven three one zero five with. Are you okay\n\nChannel 1: Yep.\n\nChannel 0: to confirm your date of birth and address, please?\n\nChannel 1: Yep. Fair enough. The 5th 70 And 6 Rosemont Street in Austria, in 6333.\n\nChannel 0: Fantastic. Fantastic, mate. So what I've sent through to you is I'm sending through some performance figures for your Netwealth Super, your\n\nChannel 1: Yep.\n\nChannel 0: certificate for your insurance policy. So you've got an update on that one because you had an anniversary in February. We've got updated service guides with us with us with all the kind of consumer protections and license info. So all that's through\n\nChannel 1: Yep.\n\nChannel 0: in a bit of a pack for you. Couple things I wanted to go through with you was some changes we've been making to your portfolio. But before I do that, is there anything in particular you're hoping to get out of this year's review?\n\nChannel 1: Yeah. Well, actually, I never realized that you blokes are actually financial advisers when someone else does me super. Well,\n\nChannel 0: Yeah. That's right. Is that kind\n\nChannel 1: I never\n\nChannel 0: of\n\nChannel 1: knew that at all. Yeah. That's from there with tax lady said to me. She goes, no. They're not your super.\n\nThey're your financial advisers. I thought, well, shit. If I've done that, I would never have done it, actually, to tell you the truth, because I would've just got one around the corner from home. You know what I mean?\n\nChannel 0: Yeah. Yeah. A bit of a local guy or something.\n\nChannel 1: So yeah. Yeah. Big time. So I never I never knew that, but I was reading about the so the insurance thing that I've got was what ended they're called now because it's\n\nChannel 0: Yeah.\n\nChannel 1: changed,\n\nChannel 0: Yeah.\n\nChannel 1: haven't it? To get out of that is quite hefty penalties and shit like that. So I don't even do you know what I mean? It's it sounds a bit bloody dodgy now.\n\nChannel 0: Oh,\n\nChannel 1: So\n\nChannel 0: okay. Yeah. Yeah. I'm\n\nChannel 1: I\n\nChannel 0: with\n\nChannel 1: just\n\nChannel 0: you.\n\nChannel 1: this doesn't sound yeah. Like, obviously, that's changed hands. Someone's bought something somewhere, and and, yeah, just what I was reading about it. It's like, yeah, far out. Well, it was up in the show when we were here.\n\nSo\n\nChannel 0: Right. Well, I'm glad I got to speak to you today because I'm basically the guy that can help you kind of clean it up and make sure you're\n\nChannel 1: yep.\n\nChannel 0: comfortable with what you're doing. So that's my job for today, if that's alright. Goody. With the the changeover for the insurance, are you talking about how BT Life Insurance kinda went over to Tal, t a l, the green ones?\n\nChannel 1: Yep. Yeah. Yeah. That's yeah. That's I think I was eating to get out of that town which I've I've been getting quite hefty penalties and shit like that.\n\nChannel 0: Okay.\n\nChannel 1: So\n\nChannel 0: So\n\nChannel 1: anyway,\n\nChannel 0: one\n\nChannel 1: well, that's\n\nChannel 0: of the cool\n\nChannel 1: that's\n\nChannel 0: things\n\nChannel 1: what I meant. Yep.\n\nChannel 0: with the switch over from BT to TAL, there hasn't been any like, they haven't changed anything under the hood for the policy. Right? They've just kind of new company's\n\nChannel 1: Yep.\n\nChannel 0: taken over it. TAL is one of the big four insurers. They do most of the insurance for the super funds, like your Australian\n\nChannel 1: Yep.\n\nChannel 0: super, your your rest. I don't know if they do c bus, but they they do the insurance for most super funds, which is why they took over the BT ones because they're kind of in the best position to look after those policies.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Now what that means is there's nothing really changed under the hood, which is good. If you cancel an insurance policy, like, you're well within your rights to cancel the policy, and they'll give you, like, a pro rata refund. Like, if you're halfway through the year and you've paid\n\nChannel 1: Yes.\n\nChannel 0: a yearly amount, they'll give you six months back if you cancel it. But this is\n\nChannel 1: Yep.\n\nChannel 0: just your life and disability insurance through the super.\n\nChannel 1: Yes.\n\nChannel 0: It's sitting there. Let me have a look at the policy document with you. Let me see if we need to change anything on it.\n\nChannel 1: Yep.\n\nChannel 0: We've got 400,000 worth of life insurance, 400,000 worth of total disability. Like, you can never work again. There's your lump sum\n\nChannel 1: Yep.\n\nChannel 0: that kind of pay off the mortgage kind of thing.\n\nChannel 1: Yep.\n\nChannel 0: What's the mortgage sitting out at the moment if you don't mind me asking? Was it still sitting around the 500 mark, or is that going down quite a bit?\n\nChannel 1: Well, I've got 3. One's about $3.80 or something like that. The other one's 500.\n\nChannel 0: Yep. Yep. $3.80 and 500. Is one of those for investment property, or is it two loans on the one\n\nChannel 1: Oh, but\n\nChannel 0: split line?\n\nChannel 1: it was yeah. It was it was our main main house, so it doesn't come under investment line at the moment.\n\nChannel 0: Okay.\n\nChannel 1: But we've only got, like, probably twelve months until we've gotta sell it. So before shit changes. So\n\nChannel 0: Gotcha.\n\nChannel 1: yeah. But that that'll pay off that'll pay off, obviously, that and it'll pay off our house that we live in there. So we won't have it. We'll be debt free, basically. So\n\nChannel 0: Okay.\n\nChannel 1: yeah. So, yeah, that's how that sort of stands. Yeah. I\n\nChannel 0: Okay.\n\nChannel 1: don't know. The missus missus or does that sort of we've we've got another so the house we're in now down south is we've been in there for four years or something, and she said we've only got five years with the other house before we have to sell it. So\n\nChannel 0: Okay.\n\nChannel 1: yeah. So\n\nChannel 0: Yeah. That's right. Because you got the you can still keep it as your main residence for a little while,\n\nChannel 1: Yes.\n\nChannel 0: the sort of five year rule. With your the two properties, is sorry. Rosemont Street, is that the bigger debt or\n\nChannel 1: Yep.\n\nChannel 0: the smaller\n\nChannel 1: Yep.\n\nChannel 0: debt?\n\nChannel 1: That's the bigger one.\n\nChannel 0: Bigger one. Yep. And just\n\nChannel 1: Yep.\n\nChannel 0: out of curiosity, how much is that one valued out at the moment?\n\nChannel 1: But oh, shit. You're not even sitting around. You're like, sitting down the waist that it it I think it was ran high, annoying or something.\n\nChannel 0: Okay. I'll go with that for now as a bit of a round figure. And the one that's got $3.80 owing on it, how much does that value that?\n\nChannel 1: The last valuation we had was $9.40. That was probably, I don't know, two years ago, I suppose.\n\nChannel 0: Yeah. Yeah. So possibly over a mil now for the 500 k. Okay. Cool.\n\nSo one of the things is you obviously don't wanna keep you don't need a whole heap of\n\nChannel 1: Yep.\n\nChannel 0: insurance to look after, like, an investment property. Right? Because, obviously, it's gonna be sold. It's gonna pay off the debt pretty\n\nChannel 1: Yep.\n\nChannel 0: much. So when it comes to that situation, let's say within the next twelve months, that property is gone and you're pretty well debt free, do you still\n\nChannel 1: Yep.\n\nChannel 0: need, you know, $3,400 of life insurance or something happens to you, the the missus and the kids are looked after? It's a small amount, but you don't need more than that, would you say, or how would that kind of look\n\nChannel 1: No.\n\nChannel 0: for\n\nChannel 1: No.\n\nChannel 0: you guys?\n\nChannel 1: They didn't. No. I'm not gonna be swapping this in in the door on the ground. Keep the face. So yeah.\n\nChannel 0: Perfect.\n\nChannel 1: So, yeah,\n\nChannel 0: Perfect.\n\nChannel 1: I'm\n\nChannel 0: And\n\nChannel 1: I'm\n\nChannel 0: you\n\nChannel 1: not\n\nChannel 0: just\n\nChannel 1: I\n\nChannel 0: got\n\nChannel 1: don't\n\nChannel 0: the one\n\nChannel 1: need\n\nChannel 0: daughter.\n\nChannel 1: any more\n\nChannel 0: Right?\n\nChannel 1: than that. What's that?\n\nChannel 0: You just had the one daughter, wasn't it?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. Okay. Cool. And are you guys married now or still the factor?\n\nChannel 1: Yep. No. No. Just the back door.\n\nChannel 0: Yep. Easy done. So plan is knock out that one, wipe out the debts, and then just keep the house that you're living in nice and debt free? Cool, Nick. You still there, mate?\n\nI don't know if it's cut out the sound or the reception's cut out.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.8399999,"end":2.34,"sentiment":"neutral","sentiment_score":0.04381521791219711}],"sentiment":"neutral","sentiment_score":0.04381521791219711,"channel":1,"num_words":1,"start":1.8399999,"end":2.34},{"sentences":[{"text":"Good morning, Nicholas.","start":3.36,"end":4.3199997,"sentiment":"neutral","sentiment_score":0.31515971819559735},{"text":"It's Tommy here, senior adviser from.","start":4.3199997,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.2599429140488307},{"text":"How are you doing?","start":6.3199997,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.21296167746186256}],"sentiment":"neutral","sentiment_score":0.2582294883636328,"channel":0,"num_words":13,"start":3.36,"end":7.2999997},{"sentences":[{"text":"Yeah.","start":7.44,"end":7.7599998,"sentiment":"neutral","sentiment_score":0.10660021007061005},{"text":"I'm not so bad, man.","start":7.7599998,"end":9.059999,"sentiment":"neutral","sentiment_score":0.0844710886478424}],"sentiment":"neutral","sentiment_score":0.08815927555163701,"channel":1,"num_words":6,"start":7.44,"end":9.059999},{"sentences":[{"text":"Mate, I'm just giving you a call because your adviser, Veronica, is away today.","start":9.44,"end":13.94,"sentiment":"neutral","sentiment_score":0.015283900978309768},{"text":"So as the senior adviser, I wanted to just jump on and go through that annual review with you if you still had about ten.","start":13.995,"end":19.775,"sentiment":"neutral","sentiment_score":0.05245183922350407}],"sentiment":"neutral","sentiment_score":0.039109502417536884,"channel":0,"num_words":39,"start":9.44,"end":19.775},{"sentences":[{"text":"Yep.","start":20.805,"end":21.305,"sentiment":"neutral","sentiment_score":0.027922360226511955},{"text":"Yeah.","start":21.525,"end":21.845,"sentiment":"neutral","sentiment_score":0.01505930908024311},{"text":"I'm, yeah, I'm actually on the road at the moment.","start":21.845,"end":24.645,"sentiment":"neutral","sentiment_score":-0.02785732988268137},{"text":"I got my ear plugs in, so I've, yeah, We've got buddy.","start":24.645,"end":30.710001,"sentiment":"neutral","sentiment_score":-0.05996803846210241},{"text":"So I'm like, come in.","start":30.710001,"end":31.83,"sentiment":"neutral","sentiment_score":-0.0564124196767807}],"sentiment":"neutral","sentiment_score":-0.042664489291351415,"channel":1,"num_words":29,"start":20.805,"end":31.83},{"sentences":[{"text":"So trying","start":31.83,"end":33.11,"sentiment":"neutral","sentiment_score":-0.04403071664273739}],"sentiment":"neutral","sentiment_score":-0.04403071664273739,"channel":1,"num_words":2,"start":31.83,"end":33.11},{"sentences":[{"text":"Oh.","start":32.97,"end":33.47,"sentiment":"neutral","sentiment_score":-0.11620863527059556}],"sentiment":"neutral","sentiment_score":-0.11620863527059556,"channel":0,"num_words":1,"start":32.97,"end":33.47},{"sentences":[{"text":"to get a shit out of the way.","start":33.11,"end":34.47,"sentiment":"neutral","sentiment_score":-0.2013883125036955},{"text":"So yeah.","start":34.47,"end":35.93,"sentiment":"neutral","sentiment_score":-0.07402738928794861},{"text":"I'll yes.","start":36.23,"end":38.73,"sentiment":"neutral","sentiment_score":-0.08175180852413177},{"text":"Now I've got a fucking wide light coming towards me.","start":39.59,"end":42.09,"sentiment":"negative","sentiment_score":-0.369252710044384}],"sentiment":"neutral","sentiment_score":-0.2552359998226166,"channel":1,"num_words":22,"start":33.11,"end":42.09},{"sentences":[{"text":"Oh,","start":42.665,"end":42.905003,"sentiment":"neutral","sentiment_score":-0.04715423285961151}],"sentiment":"neutral","sentiment_score":-0.04715423285961151,"channel":0,"num_words":1,"start":42.665,"end":42.905003},{"sentences":[{"text":"Yeah.","start":42.71,"end":42.95,"sentiment":"neutral","sentiment_score":-0.06628850102424622}],"sentiment":"neutral","sentiment_score":-0.06628850102424622,"channel":1,"num_words":1,"start":42.71,"end":42.95},{"sentences":[{"text":"jeez.","start":42.905003,"end":43.405003,"sentiment":"neutral","sentiment_score":-0.027422776445746425}],"sentiment":"neutral","sentiment_score":-0.027422776445746425,"channel":0,"num_words":1,"start":42.905003,"end":43.405003},{"sentences":[{"text":"Yeah.","start":42.95,"end":43.45,"sentiment":"neutral","sentiment_score":0.02100907638669014},{"text":"Go for it.","start":44.015,"end":44.735,"sentiment":"neutral","sentiment_score":0.0844447488586108},{"text":"Go for it.","start":44.735,"end":45.295,"sentiment":"neutral","sentiment_score":0.10987866918245952},{"text":"I'll","start":45.295,"end":45.454998,"sentiment":"neutral","sentiment_score":0.27372241020202637}],"sentiment":"neutral","sentiment_score":0.10971271758899093,"channel":1,"num_words":8,"start":42.95,"end":45.454998},{"sentences":[{"text":"Awesome.","start":45.305,"end":45.805,"sentiment":"positive","sentiment_score":0.372875452041626}],"sentiment":"positive","sentiment_score":0.372875452041626,"channel":0,"num_words":1,"start":45.305,"end":45.805},{"sentences":[{"text":"I'll just keep listening.","start":45.454998,"end":46.575,"sentiment":"neutral","sentiment_score":0.19788803905248642},{"text":"I'll keep driving.","start":46.575,"end":47.395,"sentiment":"neutral","sentiment_score":0.06138231108585993},{"text":"Alright.","start":47.535,"end":48.035,"sentiment":"neutral","sentiment_score":0.12402158975601196}],"sentiment":"neutral","sentiment_score":0.13746508490294218,"channel":1,"num_words":8,"start":45.454998,"end":48.035},{"sentences":[{"text":"Cool.","start":47.865,"end":48.185,"sentiment":"neutral","sentiment_score":0.23393204808235168},{"text":"Cool, mate.","start":48.185,"end":48.665,"sentiment":"neutral","sentiment_score":0.3248950242996216},{"text":"Well, I won't get you to pull over and do anything strange.","start":48.665,"end":51.225002,"sentiment":"neutral","sentiment_score":-0.05580819398164749},{"text":"I'll run you through some updates and what's been going on.","start":51.225002,"end":54.49,"sentiment":"neutral","sentiment_score":0.011901246778672265},{"text":"Are 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is","start":273.18,"end":273.74,"sentiment":"neutral","sentiment_score":0.0709793580075105}],"sentiment":"neutral","sentiment_score":0.05996151058934629,"channel":0,"num_words":16,"start":269.58,"end":273.74},{"sentences":[{"text":"Yep.","start":273.60498,"end":274.10498,"sentiment":"neutral","sentiment_score":0.05977078899741173}],"sentiment":"neutral","sentiment_score":0.05977078899741173,"channel":1,"num_words":1,"start":273.60498,"end":274.10498},{"sentences":[{"text":"just your life and disability insurance through the 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They discuss changes to the customer's portfolio and their financial situation. The customer explains their financial situation and explains that they have only had five years with another insurance company. They also mention a property they are selling but plan to keep it as their main property. The agent explains that the customer's life and disability insurance is through super funds and that the property is not covered by insurance. The agent advises the customer to keep the property and keep it as a main residence for a little while to pay off their debt on their property."},"intents":{"segments":[{"text":"So as the senior adviser, I wanted to just jump on and go through that annual review with you if you still had about ten. Yep.","start_word":34,"end_word":59,"intents":[{"intent":"Review annual review","confidence_score":0.094399214}]},{"text":"So you've got an update on that one because you had an anniversary in February. We've got updated service guides with us with us with all the kind of consumer protections and license info.","start_word":306,"end_word":339,"intents":[{"intent":"Update policy","confidence_score":0.17121615}]},{"text":"Couple things I wanted to go through with you was some changes we've been making to your portfolio. But before I do that, is there anything in particular you're hoping to get out of this year's review? Yeah.","start_word":353,"end_word":390,"intents":[{"intent":"Do portfolio changes","confidence_score":0.00016587248}]},{"text":"Well, actually, I never realized that you blokes are actually financial advisers when someone else does me super. Well, Yeah.","start_word":391,"end_word":410,"intents":[{"intent":"Seek clarification about change in ownership","confidence_score":0.000008751283}]},{"text":"To get out of that is quite hefty penalties and shit like that.","start_word":528,"end_word":540,"intents":[{"intent":"Discuss penalties and license info","confidence_score":0.0044783}]},{"text":"With the the changeover for the insurance, are you talking about how BT Life Insurance kinda went over to Tal, t a l, the green ones? Yep. Yeah. Yeah. That's yeah. That's I think I was eating to get out of that town which I've I've been getting quite hefty penalties and shit like that. Okay.","start_word":654,"end_word":709,"intents":[{"intent":"Resolve insurance policy issue","confidence_score":0.004303461}]},{"text":"out of curiosity, how much is that one valued out at the moment?","start_word":1233,"end_word":1245,"intents":[{"intent":"Asking about valuation","confidence_score":0.028570518}]},{"text":"need, you know, $3,400 of life insurance or something happens to you, the the missus and the kids are looked after?","start_word":1403,"end_word":1423,"intents":[{"intent":"Asking about life insurance coverage","confidence_score":0.07737539}]},{"text":"And are you guys married now or still the factor? Yep.","start_word":1508,"end_word":1518,"intents":[{"intent":"Asking about marriage","confidence_score":0.029011859}]}]},"sentiments":{"segments":[{"text":"Hello? Good morning, Nicholas. It's Tommy here, senior adviser from. How are you doing? Yeah. I'm not so bad, man. Mate, I'm just giving you a call because your adviser, Veronica, is away today. So as the senior adviser, I wanted to just jump on and go through that annual review with you if you still had about ten. Yep. Yeah. I'm, yeah, I'm actually on the road at the moment. I got my ear plugs in, so I've, yeah, We've got buddy. So I'm like, come in. So trying Oh. to get a shit out of the way. So yeah. I'll yes.","start_word":0,"end_word":102,"sentiment":"neutral","sentiment_score":0.017225775867700577},{"text":"Now I've got a fucking wide light coming towards me.","start_word":103,"end_word":112,"sentiment":"negative","sentiment_score":-0.3716580271720886},{"text":"Oh, Yeah. jeez. Yeah. Go for it. Go for it. I'll Awesome. I'll just keep listening. I'll keep driving. Alright. Cool. Cool, mate. Well, I won't get you to pull over and do anything strange. I'll run you through some updates and what's been going on. Are you Yep. okay if I just are you okay for the calls to be recorded, mate, for training and quality purposes? Yeah. Yeah. No worries.","start_word":113,"end_word":184,"sentiment":"neutral","sentiment_score":0.05887296423316002},{"text":"Fantastic.","start_word":185,"end_word":185,"sentiment":"positive","sentiment_score":0.3709000945091248},{"text":"So what I'm doing is I'm sending you off an annual review pack now for when you've got a sec. I'll run you through Yeah. the important bits, and you can just have a look at that when you do get off the road. Okay? Yep. Just for security purposes, so I'm registered with adviser as adviser one two seven three one zero five with. Are you okay Yep. to confirm your date of birth and address, please? Yep. Fair enough. The 5th 70 And 6 Rosemont Street in Austria, in 6333.","start_word":186,"end_word":277,"sentiment":"neutral","sentiment_score":0.07358955591917038},{"text":"Fantastic. Fantastic, mate.","start_word":278,"end_word":280,"sentiment":"positive","sentiment_score":0.5659523010253906},{"text":"So what I've sent through to you is I'm sending through some performance figures for your Netwealth Super, your Yep. certificate for your insurance policy. So you've got an update on that one because you had an anniversary in February.","start_word":281,"end_word":320,"sentiment":"neutral","sentiment_score":0.2249885052442551},{"text":"We've got updated service guides with us with us with all the kind of consumer protections and license info.","start_word":321,"end_word":339,"sentiment":"positive","sentiment_score":0.3582819998264313},{"text":"So all that's through Yep. in a bit of a pack for you. Couple things I wanted to go through with you was some changes we've been making to your portfolio. But before I do that, is there anything in particular you're hoping to get out of this year's review? Yeah.","start_word":340,"end_word":390,"sentiment":"neutral","sentiment_score":0.20340555906295776},{"text":"Well, actually, I never realized that you blokes are actually financial advisers when someone else does me super.","start_word":391,"end_word":408,"sentiment":"negative","sentiment_score":-0.3585145175457001},{"text":"Well, Yeah. That's right.","start_word":409,"end_word":412,"sentiment":"neutral","sentiment_score":-0.21306872367858887},{"text":"Is that kind I never of knew that at all.","start_word":413,"end_word":422,"sentiment":"negative","sentiment_score":-0.4506901204586029},{"text":"Yeah.","start_word":423,"end_word":423,"sentiment":"neutral","sentiment_score":-0.2478427141904831},{"text":"That's from there with tax lady said to me. She goes, no. They're not your super. They're your financial advisers. I thought, well, shit. If I've done that, I would never have done it, actually, to tell you the truth, because I would've just got one around the corner from home.","start_word":424,"end_word":474,"sentiment":"negative","sentiment_score":-0.4700362980365753},{"text":"You know what I mean? Yeah. Yeah. A bit of a local guy or something. So yeah. Yeah. Big time. So I never I never knew that, but I was reading about the so the insurance thing that I've got was what ended they're called now because it's Yeah. changed, Yeah. haven't it?","start_word":475,"end_word":527,"sentiment":"neutral","sentiment_score":-0.21654582023620603},{"text":"To get out of that is quite hefty penalties and shit like that. So I don't even do you know what I mean? It's it sounds a bit bloody dodgy now.","start_word":528,"end_word":558,"sentiment":"negative","sentiment_score":-0.5913795828819275},{"text":"Oh, So okay. Yeah. Yeah. I'm I with just you. this doesn't sound yeah. Like, obviously, that's changed hands. Someone's bought something somewhere, and and, yeah, just what I was reading about it. It's like, yeah, far out. Well, it was up in the show when we were here. So Right.","start_word":559,"end_word":609,"sentiment":"neutral","sentiment_score":-0.15620531141757965},{"text":"Well, I'm glad I got to speak to you today because I'm basically the guy that can help you kind of clean it up and make sure you're yep. comfortable with what you're doing. So that's my job for today, if that's alright. Goody.","start_word":610,"end_word":653,"sentiment":"positive","sentiment_score":0.5723264217376709},{"text":"With the the changeover for the insurance, are you talking about how BT Life Insurance kinda went over to Tal, t a l, the green ones? Yep. Yeah. Yeah. That's yeah.","start_word":654,"end_word":684,"sentiment":"neutral","sentiment_score":-0.029088888317346573},{"text":"That's I think I was eating to get out of that town which I've I've been getting quite hefty penalties and shit like that.","start_word":685,"end_word":708,"sentiment":"negative","sentiment_score":-0.3954840302467346},{"text":"Okay. So So anyway, one well, that's of the cool that's things what I meant. Yep. with the switch over from BT to TAL, there hasn't been any like, they haven't changed anything under the hood for the policy. Right? They've just kind of new company's Yep. taken over it. TAL is one of the big four insurers. They do most of the insurance for the super funds, like your Australian Yep. super, your your rest. I don't know if they do c bus, but they they do the insurance for most super funds, which is why they took over the BT ones because they're kind of in the best position to look after those policies. Yep. Yep. Now what that means is there's nothing really changed under the hood, which is good. If you cancel an insurance policy, like, you're well within your rights to cancel the policy, and they'll give you, like, a pro rata refund. Like, if you're halfway through the year and you've paid Yes. a yearly amount, they'll give you six months back if you cancel it. But this is Yep. just your life and disability insurance through the super. Yes. It's sitting there. Let me have a look at the policy document with you. Let me see if we need to change anything on it. Yep. We've got 400,000 worth of life insurance, 400,000 worth of total disability. Like, you can never work again. There's your lump sum Yep. that kind of pay off the mortgage kind of thing. Yep. What's the mortgage sitting out at the moment if you don't mind me asking? Was it still sitting around the 500 mark, or is that going down quite a bit? Well, I've got 3. One's about $3.80 or something like that. The other one's 500. Yep. Yep. $3.80 and 500. Is one of those for investment property, or is it two loans on the one Oh, but split line? it was yeah. It was it was our main main house, so it doesn't come under investment line at the moment. Okay. But we've only got, like, probably twelve months until we've gotta sell it. So before shit changes. So Gotcha. yeah. But that that'll pay off that'll pay off, obviously, that and it'll pay off our house that we live in there. So we won't have it. We'll be debt free, basically. So Okay. yeah. So, yeah, that's how that sort of stands. Yeah. I Okay. don't know. The missus missus or does that sort of we've we've got another so the house we're in now down south is we've been in there for four years or something, and she said we've only got five years with the other house before we have to sell it. So Okay. yeah. So Yeah. That's right. Because you got the you can still keep it as your main residence for a little while, Yes. the sort of five year rule. With your the two properties, is sorry. Rosemont Street, is that the bigger debt or Yep. the smaller Yep. debt? That's the bigger one. Bigger one. Yep. And just Yep. out of curiosity, how much is that one valued out at the moment?","start_word":709,"end_word":1244,"sentiment":"neutral","sentiment_score":-0.010812377988068916},{"text":"But oh, shit. You're not even sitting around. You're like, sitting down the waist that it it I think it was ran high, annoying or something.","start_word":1245,"end_word":1270,"sentiment":"negative","sentiment_score":-0.6482542753219604},{"text":"Okay. I'll go with that for now as a bit of a round figure. And the one that's got $3.80 owing on it, how much does that value that? The last valuation we had was $9.40. That was probably, I don't know, two years ago, I suppose. Yeah. Yeah. So possibly over a mil now for the 500 k. Okay. Cool. So one of the things is you obviously don't wanna keep you don't need a whole heap of Yep. insurance to look after, like, an investment property. Right? Because, obviously, it's gonna be sold. It's gonna pay off the debt pretty Yep. much. So when it comes to that situation, let's say within the next twelve months, that property is gone and you're pretty well debt free, do you still Yep. need, you know, $3,400 of life insurance or something happens to you, the the missus and the kids are looked after? It's a small amount, but you don't need more than that, would you say, or how would that kind of look No. for No.","start_word":1271,"end_word":1447,"sentiment":"neutral","sentiment_score":-0.04251609742641449},{"text":"you guys?","start_word":1448,"end_word":1449,"sentiment":"negative","sentiment_score":-0.3371599614620209},{"text":"They didn't. No. I'm not gonna be swapping this in in the door on the ground. Keep the face. So yeah. Perfect. So, yeah, Perfect. I'm And I'm you not just I got don't the one need daughter. any more Right? than that. What's that? You just had the one daughter, wasn't it? Yeah. Yep. Yeah. Okay. Cool. And are you guys married now or still the factor? Yep. No. No. Just the back door. Yep. Easy done.","start_word":1450,"end_word":1527,"sentiment":"neutral","sentiment_score":-0.04968315362930298},{"text":"So plan is knock out that one, wipe out the debts, and then just keep the house that you're living in nice and debt free? Cool, Nick.","start_word":1528,"end_word":1554,"sentiment":"positive","sentiment_score":0.38573789596557617},{"text":"You still there, mate?","start_word":1555,"end_word":1558,"sentiment":"neutral","sentiment_score":0.07204866409301758},{"text":"I don't know if it's cut out the sound or the reception's cut out.","start_word":1559,"end_word":1572,"sentiment":"negative","sentiment_score":-0.4524554610252381}],"average":{"sentiment":"neutral","sentiment_score":-0.03585959823165636}}}}