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We're gonna go through a couple of updates, and I've got some notes on your file about some insurances coming up that you're looking to possibly cancel. Are you okay if I just run through the security process with you? Awesome. You're okay for the calls to be recorded for training and quality purposes? Awesome. And just for the security of your account, can I please confirm your date of birth address, please, sir? Fantastic. Thank you so much for that, Kev. First thing I wanted to jump into was just around your policy anniversary coming up because there was a note on file that you're thinking of maybe canceling the out of pocket trauma cover that's coming due in about three weeks' time. Yeah. Gotcha. Absolutely. And based on the anniversary that's coming up, the out of pocket portion's coming out almost $3 in three weeks' time. So I'm just moving. Monthly. Monthly. I've got some policy. I'm looking at towel here. Is that the one you're talking about? Tow or handset? Oh, it comes out of your Anzet bank account. There we go. 2 55 a month, $3 a year. Yeah. Absolutely. So let me get a little bit of a split down for you. So that out of pocket portion, that's got your your trauma insurance, which is your heart attack, stroke, and cancer. That's got you insured for $80,000, and that one is 175 a month of that $2.55. The other 80 a month, that's for the own questions just so I can help you out with it? With the own occupation definition that you've got, so the whole point behind that is that it's much broader to claim on than the one that's through the super definition. It's just an extra coverage saying if you can't work specifically your occupation, then you get paid rather than, oh, you can't work any occupation that you're suited to. So what I wanted to check with you was you said the you've just had a change in the employment. Is that right? Tell me. So that's underground. Okay. Alright. Cool. Okay. So two on one off or the two and two? Yeah. Two would do fantastic. Mate, can I just note down a couple quick things for that one? Who's the so you said it's underground instead of above ground? And is that still, like, diesel mechanic? Diesel fitter. Who's the employer that you've switched to? Okay. Step across. And that was from Noble. It's a sort of agency. Because it was the CSI before that, wasn't it? Crushing Services International. Yeah. Alright. Can I just update quickly? Income wise, I think we had you on about 02:10, and you said it's dropped about, what, fourteen? February. 157 there. Perfect. And one of the things too that I had you on file for was a six month check to see if you were still nonsmoker status, which would have really dropped the premiums down pretty well. I'm assuming you'd be twelve months clear now. Or Awesome. Awesome. Cool. So the nonsmoker's deck, that's gonna be applied. That's almost half. That's pretty good. Alright. And then what I can do is perfect. So she's flicking that through to them, and then the cancellation will help as well. Do you want me to cancel just the entire out of pocket? Well, once the the nonsmoker's deck is processed, that'll chop. So instead of $2.55 a month, that'll drop it down to, say, $1.50. Then if you chop off the trauma side of things, you'd probably be left with around about 50 a month to keep that disability definition. What do you think? I probably don't think it fits you at the moment because it was based on what were you doing in 2016? Really random question, but this is when that policy first got put in force. So has your truck driver before the days of mechanics for IOR, but I was wondering back in 2016, so I think ten year ago. That's right. It was a bit more lighter manual back then in terms of duties. Okay. So at that point then, if they've got you insured as an own occupation for that specific occupation because you've switched a few times, it may not even be worth kind of keeping that definition because you'd pretty much be paid out under the current definition anyway under the any occupation that you've got. In most circumstances, like, it's very, very small circumstances where it wouldn't pay out. So, look, the real question is, do you wanna keep the, like, the trauma insurance? Because you've got let's say you've got your life, your disability, pass away, you can never work again. Trauma is that one that's just like a lump sum if you have a diagnosis. So cancer, heart attack, stroke. It's like a serious event. You may not be fully disabled or pass away, but it's, like, serious enough that you may need a bit of medical bills. That's the most expensive one out of pocket. It's about a 100 and 174 a month currently. That's for $80. Yeah. Whereas your your TBD, because you've still got that portion inside super. Right? That's covering you for 400,000 if you're permanently disabled, and then you've got income protection as well. So you've pretty much got every event covered. It's just about, okay, quite a bit out of pocket for the trauma cover and then that extra chunk for the extra definition. Do you need it? K. So let's have a quick k. So let me do a quick calc. So let's say we chop off that extra definition and the nonsmokers goes through. So let's say based on the 80,000, it'd be sitting at around 90 a month from $2.55. How's that looking? Would you wanna drop it to, like, $50 flat, or do you reckon keep it at 79? So that would probably chop down to 90 a month from the full $2.55. You chop off the definition and nonsmokers rates, you're looking at around about 90, give or take. Yeah. So for now, I'll let the nonsmokers go through and do cancellation letter up for that extra definition and then touch base with you after that. Cool. K. Alright. So I'm just gonna note this down. Yeah. Look. If you can keep it for a little while, that's probably advisable. It's one of those ones that tends to be one of the most claimed on because of stuff like that. But, again, we can always like, it doesn't mean, again, it's locked in because it'll go up a bit next year. Do we trim it down a little bit? Like, we can keep an eye on it. So yep. So I'll go on smokers rates for the policy. I'm just making a few notes for the team here. And then that's currently at the 80,000, and I'll see what that comes down to afterwards. While I've got you, 5,000 a month of income protection through the super. I'm just gonna quickly check that. Cool. So based on your income, you're still protecting you're still getting $5 a month for income protection through super. So it's not too much. Like, you know, I was worried it was protecting income of 200,000, but that's chopped down. So that's okay. And then you're left with 400 thousand of life and disability, which that covers the mortgage plus another couple of 100,000 left over and then the super on top of that. How's that sound so far? Yep. Again, that's just an approximate. I'll get you the actual specific one just so I can give you a bump steer, but it's it's around about half the smokers. Right? And the only thing other thing that I'm doing as well, Kev, while I've got you, is Teams putting together that investment switch update for your super to get rid of that that Benelon option that's been sort of underperforming that we spoke about. So I'm gonna kind of put all of this in the underperforming that we spoke about. So I'm gonna kind of put all of this in the one document to see you've kind of got it on paper, and then you can kinda see, oh, this is the updated plan. Yeah. Yeah. Oh, yeah. I mean, we're definitely not in the habit of borrowing money on your super yet. Leveraging up and borrowing is probably the most aggressive you can do. Outside of, like, the main ETFs, there's a few sectors there. The gold, the cyber security, battery tech and lithium, which is really gone gangbusters for yours, but we don't go too crazy with too many satellites. Like, let's say you've got three main options. Having five satellites floating around that they're a little bit more aggressive is good, but we probably don't go a little bit more crazy than that. Again, whole idea, I guess, on the super side is get you an extra couple of percent a year, steady growth for a decade or two, and that gives you the extra couple of $100. Probably not gonna be day trading your super, if that makes sense. But Yeah. I mean, even despite what's been going on recently, last check I did, when I spoke to you last, it was sitting at a 183,000, jumped up to $2.17, and it's dropped down to $2.15 recently just with a bit of a fluctuation. So still pretty going pretty good long term. But, again, you're probably gonna see it pretty volatile for the next six months. But regardless, I'm still updating a few of those options as well, and I've gotta get you the specifics on the insurance premiums drop down. And the good thing too is if that gets applied to your in super policy too, that may save you an extra couple of grand in premiums and fees coming out, and that's gonna help the super grow as well. Cool. So a few little things to do. Basically, I'll follow-up with that nonsmoker's rate gets applied straight away. With the cancellation letter, we'll have it to you this week. And just keep an eye out for the team just to give you a buzz for the cancellation letter itself. And then after that, when they touch base with you on the cancellation, they're just gonna get you booked in with me just to go through that portfolio update on the super. Cool. Any questions, mate? Easy peasy. Well, I'll jump on with the team and get that rolling. And, yeah, just keep an ear out this week and next week. Of course, Kev. Any last questions before I let you go? Awesome, dude. Well, I will talk to you over the fortnight. Thanks, mate. Talk soon. 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Kevin. Tommy here from Microview Financial. How are you doing? Yes. Same thing.\n\nJust dropped straight out after two seconds. Do apologize for that. Mate, I'm just giving you a buzz. We're gonna go through a couple of updates, and I've got some notes on your file about some insurances coming up that you're looking to possibly cancel. Are you okay if I just run through the security process with you?\n\nAwesome. You're okay for the calls to be recorded for training and quality purposes? Awesome. And just for the security of your account, can I please confirm your date of birth address, please, sir? Fantastic.\n\nThank you so much for that, Kev. First thing I wanted to jump into was just around your policy anniversary coming up because there was a note on file that you're thinking of maybe canceling the out of pocket trauma cover that's coming due in about three weeks' time. Yeah. Gotcha. Absolutely.\n\nAnd based on the anniversary that's coming up, the out of pocket portion's coming out almost $3 in three weeks' time. So I'm just moving. Monthly. Monthly. I've got some policy.\n\nI'm looking at towel here. Is that the one you're talking about? Tow or handset? Oh, it comes out of your Anzet bank account. There we go.\n\n2 55 a month, $3 a year. Yeah. Absolutely. So let me get a little bit of a split down for you. So that out of pocket portion, that's got your your trauma insurance, which is your heart attack, stroke, and cancer.\n\nThat's got you insured for $80,000, and that one is 175 a month of that $2.55. The other 80 a month, that's for the own questions just so I can help you out with it? With the own occupation definition that you've got, so the whole point behind that is that it's much broader to claim on than the one that's through the super definition. It's just an extra coverage saying if you can't work specifically your occupation, then you get paid rather than, oh, you can't work any occupation that you're suited to. So what I wanted to check with you was you said the you've just had a change in the employment.\n\nIs that right? Tell me. So that's underground. Okay. Alright.\n\nCool. Okay. So two on one off or the two and two? Yeah. Two would do fantastic.\n\nMate, can I just note down a couple quick things for that one? Who's the so you said it's underground instead of above ground? And is that still, like, diesel mechanic? Diesel fitter. Who's the employer that you've switched to?\n\nOkay. Step across. And that was from Noble. It's a sort of agency. Because it was the CSI before that, wasn't it?\n\nCrushing Services International. Yeah. Alright. Can I just update quickly? Income wise, I think we had you on about 02:10, and you said it's dropped about, what, fourteen?\n\nFebruary. 157 there. Perfect. And one of the things too that I had you on file for was a six month check to see if you were still nonsmoker status, which would have really dropped the premiums down pretty well. I'm assuming you'd be twelve months clear now.\n\nOr Awesome. Awesome. Cool. So the nonsmoker's deck, that's gonna be applied. That's almost half.\n\nThat's pretty good. Alright. And then what I can do is perfect. So she's flicking that through to them, and then the cancellation will help as well. Do you want me to cancel just the entire out of pocket?\n\nWell, once the the nonsmoker's deck is processed, that'll chop. So instead of $2.55 a month, that'll drop it down to, say, $1.50. Then if you chop off the trauma side of things, you'd probably be left with around about 50 a month to keep that disability definition. What do you think? I probably don't think it fits you at the moment because it was based on what were you doing in 2016?\n\nReally random question, but this is when that policy first got put in force. So has your truck driver before the days of mechanics for IOR, but I was wondering back in 2016, so I think ten year ago. That's right. It was a bit more lighter manual back then in terms of duties. Okay.\n\nSo at that point then, if they've got you insured as an own occupation for that specific occupation because you've switched a few times, it may not even be worth kind of keeping that definition because you'd pretty much be paid out under the current definition anyway under the any occupation that you've got. In most circumstances, like, it's very, very small circumstances where it wouldn't pay out. So, look, the real question is, do you wanna keep the, like, the trauma insurance? Because you've got let's say you've got your life, your disability, pass away, you can never work again. Trauma is that one that's just like a lump sum if you have a diagnosis.\n\nSo cancer, heart attack, stroke. It's like a serious event. You may not be fully disabled or pass away, but it's, like, serious enough that you may need a bit of medical bills. That's the most expensive one out of pocket. It's about a 100 and 174 a month currently.\n\nThat's for $80. Yeah. Whereas your your TBD, because you've still got that portion inside super. Right? That's covering you for 400,000 if you're permanently disabled, and then you've got income protection as well.\n\nSo you've pretty much got every event covered. It's just about, okay, quite a bit out of pocket for the trauma cover and then that extra chunk for the extra definition. Do you need it? K. So let's have a quick k.\n\nSo let me do a quick calc. So let's say we chop off that extra definition and the nonsmokers goes through. So let's say based on the 80,000, it'd be sitting at around 90 a month from $2.55. How's that looking? Would you wanna drop it to, like, $50 flat, or do you reckon keep it at 79?\n\nSo that would probably chop down to 90 a month from the full $2.55. You chop off the definition and nonsmokers rates, you're looking at around about 90, give or take. Yeah. So for now, I'll let the nonsmokers go through and do cancellation letter up for that extra definition and then touch base with you after that. Cool.\n\nK. Alright. So I'm just gonna note this down. Yeah. Look.\n\nIf you can keep it for a little while, that's probably advisable. It's one of those ones that tends to be one of the most claimed on because of stuff like that. But, again, we can always like, it doesn't mean, again, it's locked in because it'll go up a bit next year. Do we trim it down a little bit? Like, we can keep an eye on it.\n\nSo yep. So I'll go on smokers rates for the policy. I'm just making a few notes for the team here. And then that's currently at the 80,000, and I'll see what that comes down to afterwards. While I've got you, 5,000 a month of income protection through the super.\n\nI'm just gonna quickly check that. Cool. So based on your income, you're still protecting you're still getting $5 a month for income protection through super. So it's not too much. Like, you know, I was worried it was protecting income of 200,000, but that's chopped down.\n\nSo that's okay. And then you're left with 400 thousand of life and disability, which that covers the mortgage plus another couple of 100,000 left over and then the super on top of that. How's that sound so far? Yep. Again, that's just an approximate.\n\nI'll get you the actual specific one just so I can give you a bump steer, but it's it's around about half the smokers. Right? And the only thing other thing that I'm doing as well, Kev, while I've got you, is Teams putting together that investment switch update for your super to get rid of that that Benelon option that's been sort of underperforming that we spoke about. So I'm gonna kind of put all of this in the underperforming that we spoke about. So I'm gonna kind of put all of this in the one document to see you've kind of got it on paper, and then you can kinda see, oh, this is the updated plan.\n\nYeah. Yeah. Oh, yeah. I mean, we're definitely not in the habit of borrowing money on your super yet. Leveraging up and borrowing is probably the most aggressive you can do.\n\nOutside of, like, the main ETFs, there's a few sectors there. The gold, the cyber security, battery tech and lithium, which is really gone gangbusters for yours, but we don't go too crazy with too many satellites. Like, let's say you've got three main options. Having five satellites floating around that they're a little bit more aggressive is good, but we probably don't go a little bit more crazy than that. Again, whole idea, I guess, on the super side is get you an extra couple of percent a year, steady growth for a decade or two, and that gives you the extra couple of $100.\n\nProbably not gonna be day trading your super, if that makes sense. But Yeah. I mean, even despite what's been going on recently, last check I did, when I spoke to you last, it was sitting at a 183,000, jumped up to $2.17, and it's dropped down to $2.15 recently just with a bit of a fluctuation. So still pretty going pretty good long term. But, again, you're probably gonna see it pretty volatile for the next six months.\n\nBut regardless, I'm still updating a few of those options as well, and I've gotta get you the specifics on the insurance premiums drop down. And the good thing too is if that gets applied to your in super policy too, that may save you an extra couple of grand in premiums and fees coming out, and that's gonna help the super grow as well. Cool. So a few little things to do. Basically, I'll follow-up with that nonsmoker's rate gets applied straight away.\n\nWith the cancellation letter, we'll have it to you this week. And just keep an eye out for the team just to give you a buzz for the cancellation letter itself. And then after that, when they touch base with you on the cancellation, they're just gonna get you booked in with me just to go through that portfolio update on the super. Cool. Any questions, mate?\n\nEasy peasy. Well, I'll jump on with the team and get that rolling. And, yeah, just keep an ear out this week and next week. Of course, Kev. Any last questions before I let you go?\n\nAwesome, dude. Well, I will talk to you over the fortnight. Thanks, mate. Talk soon. Bye.","paragraphs":[{"sentences":[{"text":"Hey, Kevin.","start":2.56,"end":3.28,"sentiment":"neutral","sentiment_score":0.06932806223630905},{"text":"Tommy here from Microview Financial.","start":3.28,"end":4.64,"sentiment":"neutral","sentiment_score":0.12682218700647355},{"text":"How are you doing?","start":4.64,"end":5.46,"sentiment":"neutral","sentiment_score":0.1558169648051262},{"text":"Yes.","start":8.88,"end":9.36,"sentiment":"neutral","sentiment_score":0.04639369994401932},{"text":"Same thing.","start":9.36,"end":9.84,"sentiment":"neutral","sentiment_score":-0.020759773440659043}],"sentiment":"neutral","sentiment_score":0.10006493369915656,"num_words":14,"start":2.56,"end":9.84},{"sentences":[{"text":"Just dropped straight out after two seconds.","start":9.84,"end":11.44,"sentiment":"neutral","sentiment_score":-0.1416791666831289},{"text":"Do apologize for that.","start":11.44,"end":14.365,"sentiment":"neutral","sentiment_score":-0.06257754191756248},{"text":"Mate, I'm just giving you a buzz.","start":14.365,"end":15.565,"sentiment":"neutral","sentiment_score":-0.03405655760850225},{"text":"We're gonna go through a couple of updates, and I've got some notes on your file about some insurances coming up that you're looking to possibly cancel.","start":15.565,"end":22.785,"sentiment":"neutral","sentiment_score":-0.027364353476851073},{"text":"Are you okay if I just run through the security process with you?","start":22.925,"end":27.6,"sentiment":"neutral","sentiment_score":0.022076384379313543}],"sentiment":"neutral","sentiment_score":-0.033315599735440876,"num_words":58,"start":9.84,"end":27.6},{"sentences":[{"text":"Awesome.","start":27.6,"end":27.92,"sentiment":"neutral","sentiment_score":0.2616202235221863},{"text":"You're okay for the calls to be recorded for training and quality purposes?","start":27.92,"end":31.54,"sentiment":"neutral","sentiment_score":0.13714413058299285},{"text":"Awesome.","start":33.04,"end":33.44,"sentiment":"neutral","sentiment_score":0.2007775604724884},{"text":"And just for the security of your account, can I please confirm your date of birth address, please, sir?","start":33.44,"end":43.025,"sentiment":"neutral","sentiment_score":0.09712294842067518},{"text":"Fantastic.","start":43.085,"end":43.585,"sentiment":"positive","sentiment_score":0.4876295328140259}],"sentiment":"neutral","sentiment_score":0.1308067724108696,"num_words":35,"start":27.6,"end":43.585},{"sentences":[{"text":"Thank you so much for that, Kev.","start":43.725,"end":45.265,"sentiment":"positive","sentiment_score":0.5225477857249123},{"text":"First thing I wanted to jump into was just around your policy anniversary coming up because there was a note on file that you're thinking of maybe canceling the out of pocket trauma cover that's coming due in about three weeks' time.","start":45.725,"end":59.93,"sentiment":"neutral","sentiment_score":0.03738983450013967},{"text":"Yeah.","start":75.845,"end":76.245,"sentiment":"neutral","sentiment_score":-0.0947795957326889},{"text":"Gotcha.","start":76.245,"end":76.74,"sentiment":"neutral","sentiment_score":-0.145063579082489},{"text":"Absolutely.","start":78.259995,"end":78.759995,"sentiment":"neutral","sentiment_score":0.04864473640918732}],"sentiment":"neutral","sentiment_score":0.09686555982065889,"num_words":52,"start":43.725,"end":78.759995},{"sentences":[{"text":"And based on the anniversary that's coming up, the out of pocket portion's coming out almost $3 in three weeks' time.","start":78.979996,"end":87.08,"sentiment":"neutral","sentiment_score":-0.008232041395136289},{"text":"So I'm just moving.","start":91.14,"end":97.235,"sentiment":"neutral","sentiment_score":-0.016478789038956165},{"text":"Monthly.","start":97.295,"end":97.695,"sentiment":"neutral","sentiment_score":0.01395121682435274},{"text":"Monthly.","start":97.695,"end":98.095,"sentiment":"neutral","sentiment_score":0.023984085768461227},{"text":"I've got some policy.","start":98.095,"end":99.134995,"sentiment":"neutral","sentiment_score":0.03187838476151228}],"sentiment":"neutral","sentiment_score":-0.0023657801230588266,"num_words":31,"start":78.979996,"end":99.134995},{"sentences":[{"text":"I'm looking at towel here.","start":99.134995,"end":100.494995,"sentiment":"neutral","sentiment_score":0.02956182286143303},{"text":"Is that the one you're talking about?","start":100.494995,"end":101.774994,"sentiment":"neutral","sentiment_score":0.006594974015440259},{"text":"Tow or handset?","start":101.774994,"end":102.595,"sentiment":"neutral","sentiment_score":0.006442314479500055},{"text":"Oh, it comes out of your Anzet bank account.","start":108.03,"end":110.049995,"sentiment":"neutral","sentiment_score":0.014562337555819087},{"text":"There we go.","start":114.03,"end":114.67,"sentiment":"neutral","sentiment_score":0.02778677890698115}],"sentiment":"neutral","sentiment_score":0.015841564836187497,"num_words":27,"start":99.134995,"end":114.67},{"sentences":[{"text":"2 55 a month, $3 a year.","start":114.67,"end":120.905,"sentiment":"neutral","sentiment_score":0.005054754271571126},{"text":"Yeah.","start":129.525,"end":129.845,"sentiment":"neutral","sentiment_score":0.12872353196144104},{"text":"Absolutely.","start":129.845,"end":130.345,"sentiment":"neutral","sentiment_score":0.3186999559402466},{"text":"So let me get a little bit of a split down for you.","start":131.95999,"end":135.56,"sentiment":"neutral","sentiment_score":0.2355671479151799},{"text":"So that out of pocket portion, that's got your your trauma insurance, which is your heart attack, stroke, and cancer.","start":135.56,"end":143.01999,"sentiment":"neutral","sentiment_score":0.14219379276037217}],"sentiment":"neutral","sentiment_score":0.152120370140654,"num_words":42,"start":114.67,"end":143.01999},{"sentences":[{"text":"That's got you insured for $80,000, and that one is 175 a month of that $2.55.","start":143.4,"end":153.61499,"sentiment":"neutral","sentiment_score":0.09459704556502402},{"text":"The other 80 a month, that's for the own questions just so I can help you out with it?","start":155.03499,"end":173.155,"sentiment":"neutral","sentiment_score":0.007613161382706542},{"text":"With the own occupation definition that you've got, so the whole point behind that is that it's much broader to claim on than the one that's through the super definition.","start":173.77501,"end":184.11,"sentiment":"neutral","sentiment_score":-0.04215392867724101},{"text":"It's just an extra coverage saying if you can't work specifically your occupation, then you get paid rather than, oh, you can't work any occupation that you're suited to.","start":184.11,"end":195.995,"sentiment":"neutral","sentiment_score":-0.05582807463561666},{"text":"So what I wanted to check with you was you said the you've just had a change in the employment.","start":196.135,"end":201.015,"sentiment":"neutral","sentiment_score":-0.04198688194155693}],"sentiment":"neutral","sentiment_score":-0.0181154988444688,"num_words":114,"start":143.4,"end":201.015},{"sentences":[{"text":"Is that right?","start":201.015,"end":201.83499,"sentiment":"neutral","sentiment_score":0.007477944095929463},{"text":"Tell me.","start":208.135,"end":208.955,"sentiment":"neutral","sentiment_score":0.04428121820092201},{"text":"So that's underground.","start":209.655,"end":211.07,"sentiment":"neutral","sentiment_score":0.02449150321384271},{"text":"Okay.","start":213.69,"end":214.19,"sentiment":"neutral","sentiment_score":-0.011132258921861649},{"text":"Alright.","start":217.93001,"end":218.43001,"sentiment":"neutral","sentiment_score":-0.1745145618915558}],"sentiment":"neutral","sentiment_score":-0.00011760424822568894,"num_words":10,"start":201.015,"end":218.43001},{"sentences":[{"text":"Cool.","start":230.185,"end":230.505,"sentiment":"neutral","sentiment_score":0.1846529245376587},{"text":"Okay.","start":230.505,"end":230.825,"sentiment":"neutral","sentiment_score":-0.03468181937932968},{"text":"So two on one off or the two and two?","start":230.825,"end":235.21,"sentiment":"neutral","sentiment_score":-0.00009725079871714115},{"text":"Yeah.","start":235.83,"end":236.33,"sentiment":"neutral","sentiment_score":0.08718393743038177},{"text":"Two would do fantastic.","start":237.59001,"end":238.73001,"sentiment":"positive","sentiment_score":0.7968769818544388}],"sentiment":"neutral","sentiment_score":0.20139355658937028,"num_words":17,"start":230.185,"end":238.73001},{"sentences":[{"text":"Mate, can I just note down a couple quick things for that one?","start":239.27,"end":241.83,"sentiment":"neutral","sentiment_score":0.07337636228364247},{"text":"Who's the so you said it's underground instead of above ground?","start":241.83,"end":245.61,"sentiment":"neutral","sentiment_score":-0.0020182324065403504},{"text":"And is that still, like, diesel mechanic?","start":247.19,"end":249.015,"sentiment":"neutral","sentiment_score":0.0005636456688599927},{"text":"Diesel fitter.","start":253.175,"end":254.395,"sentiment":"neutral","sentiment_score":0.0002522990107536315},{"text":"Who's the employer that you've switched to?","start":255.33499,"end":257.755,"sentiment":"neutral","sentiment_score":-0.0011427672247269324}],"sentiment":"neutral","sentiment_score":0.023203572508646176,"num_words":40,"start":239.27,"end":257.755},{"sentences":[{"text":"Okay.","start":264.04,"end":264.54,"sentiment":"neutral","sentiment_score":0.021069955080747604},{"text":"Step across.","start":271.0,"end":271.82,"sentiment":"neutral","sentiment_score":0.013913871720433235},{"text":"And that was from Noble.","start":272.28,"end":273.58002,"sentiment":"neutral","sentiment_score":0.01540014911442995},{"text":"It's a sort of agency.","start":275.32,"end":276.78,"sentiment":"neutral","sentiment_score":0.012817021366208792},{"text":"Because it was the CSI before that, wasn't it?","start":277.08002,"end":280.875,"sentiment":"neutral","sentiment_score":0.005863758838839001}],"sentiment":"neutral","sentiment_score":0.011034426385198127,"num_words":22,"start":264.04,"end":280.875},{"sentences":[{"text":"Crushing Services International.","start":280.875,"end":282.335,"sentiment":"neutral","sentiment_score":-0.01423630490899086},{"text":"Yeah.","start":282.475,"end":282.975,"sentiment":"neutral","sentiment_score":0.01704726740717888},{"text":"Alright.","start":285.355,"end":285.755,"sentiment":"neutral","sentiment_score":0.035003386437892914},{"text":"Can I just update quickly?","start":285.755,"end":287.215,"sentiment":"neutral","sentiment_score":0.019755499064922334},{"text":"Income wise, I think we had you on about 02:10, and you said it's dropped about, what, fourteen?","start":287.915,"end":294.22,"sentiment":"neutral","sentiment_score":-0.02041455161654287}],"sentiment":"neutral","sentiment_score":-0.009262239094823599,"num_words":28,"start":280.875,"end":294.22},{"sentences":[{"text":"February.","start":302.92,"end":303.24002,"sentiment":"neutral","sentiment_score":0.007049703970551491},{"text":"157 there.","start":303.24002,"end":305.02002,"sentiment":"neutral","sentiment_score":0.03294922038912773},{"text":"Perfect.","start":306.84003,"end":307.34003,"sentiment":"positive","sentiment_score":0.5048646926879883},{"text":"And one of the things too that I had you on file for was a six month check to see if you were still nonsmoker status, which would have really dropped the premiums down pretty well.","start":309.385,"end":320.75998,"sentiment":"neutral","sentiment_score":0.09366414902938737},{"text":"I'm assuming you'd be twelve months clear now.","start":320.75998,"end":323.24,"sentiment":"neutral","sentiment_score":0.03614411503076553}],"sentiment":"neutral","sentiment_score":0.08830989839043468,"num_words":48,"start":302.92,"end":323.24},{"sentences":[{"text":"Or Awesome.","start":323.24,"end":331.815,"sentiment":"neutral","sentiment_score":0.24679450038820505},{"text":"Awesome.","start":335.655,"end":335.815,"sentiment":"positive","sentiment_score":0.43023645877838135},{"text":"Cool.","start":335.815,"end":335.975,"sentiment":"positive","sentiment_score":0.4088125824928284},{"text":"So the nonsmoker's deck, that's gonna be applied.","start":335.975,"end":338.215,"sentiment":"neutral","sentiment_score":0.13885214738547802},{"text":"That's almost half.","start":338.215,"end":339.495,"sentiment":"neutral","sentiment_score":0.11369188129901886}],"sentiment":"neutral","sentiment_score":0.18563539100190005,"num_words":15,"start":323.24,"end":339.495},{"sentences":[{"text":"That's pretty good.","start":339.495,"end":340.635,"sentiment":"neutral","sentiment_score":0.3126891454060872},{"text":"Alright.","start":342.215,"end":342.535,"sentiment":"neutral","sentiment_score":0.1069534420967102},{"text":"And then what I can do is perfect.","start":342.535,"end":350.40997,"sentiment":"neutral","sentiment_score":0.1589740812778473},{"text":"So she's flicking that through to them, and then the cancellation will help as well.","start":350.55,"end":356.40997,"sentiment":"neutral","sentiment_score":0.13584342822432519},{"text":"Do you want me to cancel just the entire out of pocket?","start":356.94998,"end":360.295,"sentiment":"neutral","sentiment_score":-0.32513582333922386}],"sentiment":"neutral","sentiment_score":0.011611155687998503,"num_words":39,"start":339.495,"end":360.295},{"sentences":[{"text":"Well, once the the nonsmoker's deck is processed, that'll chop.","start":373.31998,"end":378.19998,"sentiment":"neutral","sentiment_score":0.04633643794804811},{"text":"So instead of $2.55 a month, that'll drop it down to, say, $1.50.","start":378.19998,"end":384.62,"sentiment":"neutral","sentiment_score":0.05108955932351259},{"text":"Then if you chop off the trauma side of things, you'd probably be left with around about 50 a month to keep that disability definition.","start":385.8,"end":393.625,"sentiment":"neutral","sentiment_score":-0.02838890880346298},{"text":"What do you think?","start":396.005,"end":396.905,"sentiment":"neutral","sentiment_score":0.03970763459801674},{"text":"I probably don't think it fits you at the moment because it was based on what were you doing in 2016?","start":403.94,"end":410.12,"sentiment":"negative","sentiment_score":-0.37101716370809645}],"sentiment":"neutral","sentiment_score":-0.0988318351901149,"num_words":73,"start":373.31998,"end":410.12},{"sentences":[{"text":"Really random question, but this is when that policy first got put in force.","start":410.18,"end":413.865,"sentiment":"neutral","sentiment_score":-0.1313881916659219},{"text":"So has your truck driver before the days of mechanics for IOR, but I was wondering back in 2016, so I think ten year ago.","start":416.585,"end":423.245,"sentiment":"neutral","sentiment_score":-0.03792717158794403},{"text":"That's right.","start":442.33,"end":442.65,"sentiment":"neutral","sentiment_score":0.015967361396178603},{"text":"It was a bit more lighter manual back then in terms of duties.","start":442.65,"end":448.095,"sentiment":"neutral","sentiment_score":-0.009198528356277026},{"text":"Okay.","start":455.91498,"end":456.41498,"sentiment":"neutral","sentiment_score":-0.04718020185828209}],"sentiment":"neutral","sentiment_score":-0.053135278558527885,"num_words":55,"start":410.18,"end":456.41498},{"sentences":[{"text":"So at that point then, if they've got you insured as an own occupation for that specific occupation because you've switched a few times, it may not even be worth kind of keeping that definition because you'd pretty much be paid out under the current definition anyway under the any occupation that you've got.","start":456.955,"end":477.60498,"sentiment":"neutral","sentiment_score":-0.23582899059962342},{"text":"In most circumstances, like, it's very, very small circumstances where it wouldn't pay out.","start":479.025,"end":483.28497,"sentiment":"neutral","sentiment_score":-0.2797191100461142},{"text":"So, look, the real question is, do you wanna keep the, like, the trauma insurance?","start":485.82498,"end":490.645,"sentiment":"neutral","sentiment_score":-0.16001828014850616},{"text":"Because you've got let's say you've got your life, your disability, pass away, you can never work again.","start":490.68,"end":495.66,"sentiment":"neutral","sentiment_score":-0.333159944249524},{"text":"Trauma is that one that's just like a lump sum if you have a diagnosis.","start":495.96,"end":500.86,"sentiment":"negative","sentiment_score":-0.3507820506890615}],"sentiment":"neutral","sentiment_score":-0.2612906637248294,"num_words":116,"start":456.955,"end":500.86},{"sentences":[{"text":"So cancer, heart attack, stroke.","start":501.63998,"end":504.515,"sentiment":"negative","sentiment_score":-0.4071809947490692},{"text":"It's like a serious event.","start":504.815,"end":506.17502,"sentiment":"negative","sentiment_score":-0.5090807139873504},{"text":"You may not be fully disabled or pass away, but it's, like, serious enough that you may need a bit of medical bills.","start":506.17502,"end":511.635,"sentiment":"negative","sentiment_score":-0.4163065941437431},{"text":"That's the most expensive one out of pocket.","start":511.695,"end":513.875,"sentiment":"negative","sentiment_score":-0.588524304330349},{"text":"It's about a 100 and 174 a month currently.","start":513.935,"end":523.57996,"sentiment":"neutral","sentiment_score":-0.11964979685015148}],"sentiment":"negative","sentiment_score":-0.3988280563056469,"num_words":50,"start":501.63998,"end":523.57996},{"sentences":[{"text":"That's for $80.","start":523.63995,"end":524.75995,"sentiment":"neutral","sentiment_score":-0.045854352414608},{"text":"Yeah.","start":524.75995,"end":525.25995,"sentiment":"neutral","sentiment_score":0.022435929626226425},{"text":"Whereas your your TBD, because you've still got that portion inside super.","start":529.24,"end":533.02496,"sentiment":"neutral","sentiment_score":0.047372664945820965},{"text":"Right?","start":533.02496,"end":533.52496,"sentiment":"neutral","sentiment_score":0.0882488340139389},{"text":"That's covering you for 400,000 if you're permanently disabled, and then you've got income protection as well.","start":533.745,"end":540.305,"sentiment":"neutral","sentiment_score":0.08016579576274928}],"sentiment":"neutral","sentiment_score":0.056012123932733256,"num_words":34,"start":523.63995,"end":540.305},{"sentences":[{"text":"So you've pretty much got every event covered.","start":540.305,"end":542.485,"sentiment":"neutral","sentiment_score":0.12217227462679148},{"text":"It's just about, okay, quite a bit out of pocket for the trauma cover and then that extra chunk for the extra definition.","start":542.94495,"end":550.26,"sentiment":"neutral","sentiment_score":-0.06409446814137956},{"text":"Do you need it?","start":551.04,"end":552.1,"sentiment":"neutral","sentiment_score":-0.03550188336521387},{"text":"K.","start":562.895,"end":563.395,"sentiment":"neutral","sentiment_score":-0.013820033520460129},{"text":"So let's have a quick k.","start":563.615,"end":566.845,"sentiment":"neutral","sentiment_score":0.014148754766210914}],"sentiment":"neutral","sentiment_score":-0.013517371633844007,"num_words":42,"start":540.305,"end":566.845},{"sentences":[{"text":"So let me do a quick calc.","start":571.69,"end":575.05005,"sentiment":"neutral","sentiment_score":0.031640482800347466},{"text":"So let's say we chop off that extra definition and the nonsmokers goes through.","start":575.05005,"end":580.35004,"sentiment":"neutral","sentiment_score":-0.016834402456879616},{"text":"So let's say based on the 80,000, it'd be sitting at around 90 a month from $2.55.","start":581.93005,"end":588.11505,"sentiment":"neutral","sentiment_score":0.03209751614314668},{"text":"How's that looking?","start":588.335,"end":589.315,"sentiment":"neutral","sentiment_score":0.047169849276542664},{"text":"Would you wanna drop it to, like, $50 flat, or do you reckon keep it at 79?","start":597.055,"end":601.41,"sentiment":"neutral","sentiment_score":0.0055264883181628055}],"sentiment":"neutral","sentiment_score":0.013222747739275982,"num_words":58,"start":571.69,"end":601.41},{"sentences":[{"text":"So that would probably chop down to 90 a month from the full $2.55.","start":627.33997,"end":631.76,"sentiment":"neutral","sentiment_score":-0.001189537878547396},{"text":"You chop off the definition and nonsmokers rates, you're looking at around about 90, give or take.","start":632.38,"end":638.39996,"sentiment":"neutral","sentiment_score":-0.010389381417018525},{"text":"Yeah.","start":659.81,"end":660.21,"sentiment":"neutral","sentiment_score":0.005580920726060867},{"text":"So for now, I'll let the nonsmokers go through and do cancellation letter up for that extra definition and then touch base with you after that.","start":660.21,"end":670.085,"sentiment":"neutral","sentiment_score":0.01981698513890688},{"text":"Cool.","start":672.065,"end":672.565,"sentiment":"neutral","sentiment_score":0.25302013754844666}],"sentiment":"neutral","sentiment_score":0.009840163686391661,"num_words":59,"start":627.33997,"end":672.565},{"sentences":[{"text":"K.","start":672.865,"end":673.365,"sentiment":"neutral","sentiment_score":0.12913917005062103},{"text":"Alright.","start":675.34503,"end":675.84503,"sentiment":"neutral","sentiment_score":0.27540653944015503},{"text":"So I'm just gonna note this down.","start":675.905,"end":678.005,"sentiment":"neutral","sentiment_score":0.1016126913683755},{"text":"Yeah.","start":681.985,"end":682.305,"sentiment":"neutral","sentiment_score":0.049614958465099335},{"text":"Look.","start":682.305,"end":682.805,"sentiment":"neutral","sentiment_score":0.05668043345212936}],"sentiment":"neutral","sentiment_score":0.11110272190787575,"num_words":11,"start":672.865,"end":682.805},{"sentences":[{"text":"If you can keep it for a little while, that's probably advisable.","start":683.01996,"end":685.6,"sentiment":"neutral","sentiment_score":0.011309365974739194},{"text":"It's one of those ones that tends to be one of the most claimed on because of stuff like that.","start":686.94,"end":691.51996,"sentiment":"neutral","sentiment_score":-0.057606451027095315},{"text":"But, again, we can always like, it doesn't mean, again, it's locked in because it'll go up a bit next year.","start":692.94,"end":697.635,"sentiment":"neutral","sentiment_score":-0.0882359076113928},{"text":"Do we trim it down a little bit?","start":697.635,"end":699.235,"sentiment":"neutral","sentiment_score":-0.0974756982177496},{"text":"Like, we can keep an eye on it.","start":699.235,"end":700.855,"sentiment":"neutral","sentiment_score":0.020018126349896193}],"sentiment":"neutral","sentiment_score":-0.050565670487349446,"num_words":69,"start":683.01996,"end":700.855},{"sentences":[{"text":"So yep.","start":702.995,"end":707.175,"sentiment":"neutral","sentiment_score":-0.01088619977235794},{"text":"So I'll go on smokers rates for the policy.","start":707.315,"end":711.12,"sentiment":"neutral","sentiment_score":-0.009225054333607355},{"text":"I'm just making a few notes for the team here.","start":711.12,"end":713.22,"sentiment":"neutral","sentiment_score":0.058774455636739734},{"text":"And then that's currently at the 80,000, and I'll see what that comes down to afterwards.","start":713.76,"end":722.5,"sentiment":"neutral","sentiment_score":0.00802003568969667},{"text":"While I've got you, 5,000 a month of income protection through the super.","start":723.795,"end":730.295,"sentiment":"neutral","sentiment_score":0.040039835354456536}],"sentiment":"neutral","sentiment_score":0.02263570196926594,"num_words":50,"start":702.995,"end":730.295},{"sentences":[{"text":"I'm just gonna quickly check that.","start":730.595,"end":732.375,"sentiment":"neutral","sentiment_score":0.06441938939193885},{"text":"Cool.","start":734.115,"end":734.615,"sentiment":"neutral","sentiment_score":0.2885773181915283},{"text":"So based on your income, you're still protecting you're still getting $5 a month for income protection through super.","start":734.675,"end":740.77997,"sentiment":"neutral","sentiment_score":0.19357165851091085},{"text":"So it's not too much.","start":742.2,"end":743.16,"sentiment":"neutral","sentiment_score":0.08450073376297951},{"text":"Like, you know, I was worried it was protecting income of 200,000, but that's chopped down.","start":743.16,"end":747.39996,"sentiment":"neutral","sentiment_score":-0.04221260594204068}],"sentiment":"neutral","sentiment_score":0.08723525829771732,"num_words":47,"start":730.595,"end":747.39996},{"sentences":[{"text":"So that's okay.","start":747.39996,"end":748.54,"sentiment":"neutral","sentiment_score":0.18207099537054697},{"text":"And then you're left with 400 thousand of life and disability, which that covers the mortgage plus another couple of 100,000 left over and then the super on top of that.","start":748.76,"end":763.165,"sentiment":"neutral","sentiment_score":0.09300942502675517},{"text":"How's that sound so far?","start":765.305,"end":766.5,"sentiment":"neutral","sentiment_score":0.1374899834394455},{"text":"Yep.","start":771.86,"end":772.34,"sentiment":"neutral","sentiment_score":0.12306388467550278},{"text":"Again, that's just an approximate.","start":772.34,"end":773.7,"sentiment":"neutral","sentiment_score":0.05596771985292435}],"sentiment":"neutral","sentiment_score":0.10044127917952007,"num_words":45,"start":747.39996,"end":773.7},{"sentences":[{"text":"I'll get you the actual specific one just so I can give you a bump steer, but it's it's around about half the smokers.","start":773.7,"end":779.7,"sentiment":"neutral","sentiment_score":0.04427767529462775},{"text":"Right?","start":779.7,"end":780.015,"sentiment":"neutral","sentiment_score":0.069843590259552},{"text":"And the only thing other thing that I'm doing as well, Kev, while I've got you, is Teams putting together that investment switch update for your super to get rid of that that Benelon option that's been sort of underperforming that we spoke about.","start":781.935,"end":794.127,"sentiment":"neutral","sentiment_score":-0.04348424504595724},{"text":"So I'm gonna kind of put all of this in the underperforming that we spoke about.","start":794.127,"end":797.0,"sentiment":"neutral","sentiment_score":-0.07273363042622805},{"text":"So I'm gonna kind of put all of this in the one document to see you've kind of got it on paper, and then you can kinda see, oh, this is the updated plan.","start":797.0,"end":803.76996,"sentiment":"neutral","sentiment_score":0.048954038606847036}],"sentiment":"neutral","sentiment_score":-0.002353779486372691,"num_words":119,"start":773.7,"end":803.76996},{"sentences":[{"text":"Yeah.","start":809.99,"end":810.23,"sentiment":"neutral","sentiment_score":0.05307738482952118},{"text":"Yeah.","start":810.23,"end":810.525,"sentiment":"neutral","sentiment_score":0.04287378489971161},{"text":"Oh, yeah.","start":834.62,"end":835.185,"sentiment":"neutral","sentiment_score":0.0037718182429671288},{"text":"I mean, we're definitely not in the habit of borrowing money on your super yet.","start":835.265,"end":839.685,"sentiment":"neutral","sentiment_score":-0.00431739247093598},{"text":"Leveraging up and borrowing is probably the most aggressive you can do.","start":840.545,"end":844.005,"sentiment":"neutral","sentiment_score":0.06450860885282357}],"sentiment":"neutral","sentiment_score":0.026220555657580975,"num_words":31,"start":809.99,"end":844.005},{"sentences":[{"text":"Outside of, like, the main ETFs, there's a few sectors there.","start":844.785,"end":847.925,"sentiment":"neutral","sentiment_score":0.01965685019438917},{"text":"The gold, the cyber security, battery tech and lithium, which is really gone gangbusters for yours, but we don't go too crazy with too many satellites.","start":847.985,"end":857.94,"sentiment":"neutral","sentiment_score":-0.012153302677548848},{"text":"Like, let's say you've got three main options.","start":858.08,"end":860.42,"sentiment":"neutral","sentiment_score":-0.0026529773604124784},{"text":"Having five satellites floating around that they're a little bit more aggressive is good, but we probably don't go a little bit more crazy than that.","start":861.12,"end":867.815,"sentiment":"neutral","sentiment_score":-0.0013516763798319376},{"text":"Again, whole idea, I guess, on the super side is get you an extra couple of percent a year, steady growth for a decade or two, and that gives you the extra couple of $100.","start":868.35504,"end":879.29,"sentiment":"neutral","sentiment_score":0.32917670820440564}],"sentiment":"neutral","sentiment_score":0.10721751759355923,"num_words":106,"start":844.785,"end":879.29},{"sentences":[{"text":"Probably not gonna be day trading your super, if that makes sense.","start":880.23,"end":883.85004,"sentiment":"neutral","sentiment_score":-0.1862684985001882},{"text":"But Yeah.","start":892.39,"end":895.395,"sentiment":"neutral","sentiment_score":0.062021978199481964},{"text":"I mean, even despite what's been going on recently, last check I did, when I spoke to you last, it was sitting at a 183,000, jumped up to $2.17, and it's dropped down to $2.15 recently just with a bit of a fluctuation.","start":895.395,"end":909.61,"sentiment":"neutral","sentiment_score":-0.012326487534961034},{"text":"So still pretty going pretty good long term.","start":909.82996,"end":912.73,"sentiment":"neutral","sentiment_score":0.10616590129211545},{"text":"But, again, you're probably gonna see it pretty volatile for the next six months.","start":913.26996,"end":917.13,"sentiment":"neutral","sentiment_score":-0.18975401669740677}],"sentiment":"neutral","sentiment_score":-0.05630944320295431,"num_words":79,"start":880.23,"end":917.13},{"sentences":[{"text":"But regardless, I'm still updating a few of those options as well, and I've gotta get you the specifics on the insurance premiums drop down.","start":919.75,"end":928.135,"sentiment":"neutral","sentiment_score":0.12851954102516175},{"text":"And the good thing too is if that gets applied to your in super policy too, that may save you an extra couple of grand in premiums and fees coming out, and that's gonna help the super grow as well.","start":931.315,"end":943.35004,"sentiment":"positive","sentiment_score":0.532997016608715},{"text":"Cool.","start":945.49,"end":945.89,"sentiment":"positive","sentiment_score":0.4894351065158844},{"text":"So a few little things to do.","start":945.89,"end":947.565,"sentiment":"neutral","sentiment_score":0.23837400547095708},{"text":"Basically, I'll follow-up with that nonsmoker's rate gets applied straight away.","start":948.525,"end":953.265,"sentiment":"neutral","sentiment_score":0.21417446569962936}],"sentiment":"positive","sentiment_score":0.34579573163673993,"num_words":84,"start":919.75,"end":953.265},{"sentences":[{"text":"With the cancellation letter, we'll have it to you this week.","start":953.805,"end":957.105,"sentiment":"neutral","sentiment_score":0.17899488589980386},{"text":"And just keep an eye out for the team just to give you a buzz for the cancellation letter itself.","start":957.405,"end":962.98,"sentiment":"neutral","sentiment_score":0.1681727472692728},{"text":"And then after that, when they touch base with you on the cancellation, they're just gonna get you booked in with me just to go through that portfolio update on the super.","start":963.76,"end":972.42,"sentiment":"neutral","sentiment_score":0.14126979454886168},{"text":"Cool.","start":974.72,"end":975.22,"sentiment":"positive","sentiment_score":0.33836662769317627},{"text":"Any questions, mate?","start":975.27997,"end":976.245,"sentiment":"neutral","sentiment_score":0.17251668373743692}],"sentiment":"neutral","sentiment_score":0.1598350566380949,"num_words":67,"start":953.805,"end":976.245},{"sentences":[{"text":"Easy peasy.","start":979.365,"end":980.085,"sentiment":"positive","sentiment_score":0.44575077295303345},{"text":"Well, I'll jump on with the team and get that rolling.","start":980.085,"end":982.825,"sentiment":"positive","sentiment_score":0.4360984049060128},{"text":"And, yeah, just keep an ear out this week and next week.","start":983.045,"end":985.865,"sentiment":"neutral","sentiment_score":0.3301238591472308},{"text":"Of course, Kev.","start":988.245,"end":988.805,"sentiment":"neutral","sentiment_score":0.12144958972930908},{"text":"Any last questions before I let you go?","start":988.805,"end":990.54,"sentiment":"neutral","sentiment_score":-0.030680243158712983}],"sentiment":"neutral","sentiment_score":0.27136047593214446,"num_words":36,"start":979.365,"end":990.54},{"sentences":[{"text":"Awesome, dude.","start":993.01996,"end":993.66,"sentiment":"positive","sentiment_score":0.7071791589260101},{"text":"Well, I will talk to you over the fortnight.","start":993.66,"end":995.75995,"sentiment":"neutral","sentiment_score":0.3270525915755166},{"text":"Thanks, mate.","start":998.13995,"end":998.69995,"sentiment":"positive","sentiment_score":0.7739823460578918},{"text":"Talk soon.","start":998.69995,"end":999.33997,"sentiment":"positive","sentiment_score":0.5031644105911255},{"text":"Bye.","start":999.33997,"end":999.83997,"sentiment":"neutral","sentiment_score":0.23301416635513303}],"sentiment":"positive","sentiment_score":0.44657120760530233,"num_words":16,"start":993.01996,"end":999.83997}]}}]},{"alternatives":[{"transcript":"Hello? Good. Yourself. I had good afternoon. And then I was Oh, good. Yep. Yep. Yep. 09/01/1932. Hundred 58 Main Cross Road, Tilly. Yep. Yeah. So that that money that comes out of our pocket from a and zed. Yeah. I wanna cancel that because I've just swapped jobs, and, obviously, our bills are the same as my income now. So I need to cut that back. Adapocritus. Sorry. Sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I Yes. So so but it comes out of my own set account. So I think yeah. So Okay. Yeah. 25541 on the sixteenth of February. Yeah. So I was hoping to cut that back. That's 255 a month. Mhmm. No. Mhmm. Yeah. Well, employers. Yes. I'm now doing two and two for Underground. Instead of doing one roster, I'm doing two and two roster. So I've dropped about $70 a year. But then as my experience goes up, so I've taken a six month hit to hopefully gain some of that back. Six months' time, but working less. It's what I was working. Now I'm too on too off. Yep. Yep. Days of Fitter, they call it. So I'm I'm sure Noble, but working for Bomingo. And then after my six month trial, if Bomingo take me on board, I just step across to Bomingo. Yep. Yep. It was. It was. Mhmm. Well, I get seventy two and I have 12 rad eyes at four and a swing bed and swing the year. 157. Yes. I've I've signed that the other day. That's why I was I rang them to do all that, anyway. I signed that paperwork a while ago and then re signed it the other day. So on the twentieth, I got a thing from Amy for the nonsmoker declaration. I'd like well, so, yeah, I'd like to decide that. But then is is there a way we can maybe shorten it or have it or I don't know. Is that disability definition really worthwhile? '26 then. I'm just trying to think which site I would have been at ten years ago. 2036, I would have been I would have been working in the mines in the territory as a serviceman. Yeah. So I was spending a fair some more refueling equipment and basic servicing. Yep. Yep. Yep. And that's for ibigram. Yeah. Yep. Yeah. Yeah. Well, I think I think I'll be happy to get rid of that extra definition. I think the trauma coming maybe half it, four weeks high or something. And then with this nonsmoker sort of thing kicks in, maybe that's still reasonable or manageable for me. One sec. The $2.50 star that comes as of what the each month. That's the definition thing, which is an APSOL, and that's a trauma insurance for 80,000. So if I had a stroke, heart attack, cancer, or whatever, I get probably the 80,000, which goes towards treatment. This how much did you say value with this ID with the non smart home? Yeah. And keep that 80 for severe cancer, heart attack, stroke, whatever you get paid that lump sum of 80 k towards medical bills and shit. It's cost $60.55 a month. At the moment, it'll cost 90 if we get rid of other stuff. You have with that? Yes. I'm after that. Yep. Yep. Oh, pretty good. It'd be it'd be my luck I'll cancel a complaint then. I have a auto tech next week. Yeah. They're 90 a month more manageable than two fifty at the moment. Yep. Yeah. Yep. Yep. Yep. No. It's good. I'm happy that drops up from $2.55 to 90 anyway. Yep. Yep. Mhmm. Yep. Well, sir, I've just I've started getting into shares both for myself. And and I see this this is running like EFPs. And, again, up to six months ago, I didn't even know what any of that meant. But to be honest, I thought you'd be more aggressive than than just EFPs. I thought you'd actually be, like, I don't know, more on, say, certain Australian businesses or sectors or I don't know. No. No. Yeah. No. I was I was I understand that. It would cost a lot more, but, yeah, I thought anyway, that's all. They're still performing a lot better than the last fund anyway. Yep. Yeah. Yeah. Nice. Yep. Yep. No. That's cool. No. That's it. Yep. No. That's it. Alright. Appreciate it. Alright. Alright. Thank you. 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Good. Yourself. I had good afternoon. And then I was Oh, good.\n\nYep. Yep. Yep. 09/01/1932. Hundred 58 Main Cross Road, Tilly.\n\nYep. Yeah. So that that money that comes out of our pocket from a and zed. Yeah. I wanna cancel that because I've just swapped jobs, and, obviously, our bills are the same as my income now.\n\nSo I need to cut that back. Adapocritus. Sorry. Sorry. I'm sorry.\n\nI'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry.\n\nI'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry.\n\nI'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry.\n\nI'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry.\n\nI'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry.\n\nI'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry.\n\nI'm sorry. I'm sorry. I'm sorry. I Yes. So so but it comes out of my own set account.\n\nSo I think yeah. So Okay. Yeah. 25541 on the sixteenth of February. Yeah.\n\nSo I was hoping to cut that back. That's 255 a month. Mhmm. No. Mhmm.\n\nYeah. Well, employers. Yes. I'm now doing two and two for Underground. Instead of doing one roster, I'm doing two and two roster.\n\nSo I've dropped about $70 a year. But then as my experience goes up, so I've taken a six month hit to hopefully gain some of that back. Six months' time, but working less. It's what I was working. Now I'm too on too off.\n\nYep. Yep. Days of Fitter, they call it. So I'm I'm sure Noble, but working for Bomingo. And then after my six month trial, if Bomingo take me on board, I just step across to Bomingo.\n\nYep. Yep. It was. It was. Mhmm.\n\nWell, I get seventy two and I have 12 rad eyes at four and a swing bed and swing the year. 157. Yes. I've I've signed that the other day. That's why I was I rang them to do all that, anyway.\n\nI signed that paperwork a while ago and then re signed it the other day. So on the twentieth, I got a thing from Amy for the nonsmoker declaration. I'd like well, so, yeah, I'd like to decide that. But then is is there a way we can maybe shorten it or have it or I don't know. Is that disability definition really worthwhile?\n\n'26 then. I'm just trying to think which site I would have been at ten years ago. 2036, I would have been I would have been working in the mines in the territory as a serviceman. Yeah. So I was spending a fair some more refueling equipment and basic servicing.\n\nYep. Yep. Yep. And that's for ibigram. Yeah.\n\nYep. Yeah. Yeah. Well, I think I think I'll be happy to get rid of that extra definition. I think the trauma coming maybe half it, four weeks high or something.\n\nAnd then with this nonsmoker sort of thing kicks in, maybe that's still reasonable or manageable for me. One sec. The $2.50 star that comes as of what the each month. That's the definition thing, which is an APSOL, and that's a trauma insurance for 80,000. So if I had a stroke, heart attack, cancer, or whatever, I get probably the 80,000, which goes towards treatment.\n\nThis how much did you say value with this ID with the non smart home? Yeah. And keep that 80 for severe cancer, heart attack, stroke, whatever you get paid that lump sum of 80 k towards medical bills and shit. It's cost $60.55 a month. At the moment, it'll cost 90 if we get rid of other stuff.\n\nYou have with that? Yes. I'm after that. Yep. Yep.\n\nOh, pretty good. It'd be it'd be my luck I'll cancel a complaint then. I have a auto tech next week. Yeah. They're 90 a month more manageable than two fifty at the moment.\n\nYep. Yeah. Yep. Yep. Yep.\n\nNo. It's good. I'm happy that drops up from $2.55 to 90 anyway. Yep. Yep.\n\nMhmm. Yep. Well, sir, I've just I've started getting into shares both for myself. And and I see this this is running like EFPs. And, again, up to six months ago, I didn't even know what any of that meant.\n\nBut to be honest, I thought you'd be more aggressive than than just EFPs. I thought you'd actually be, like, I don't know, more on, say, certain Australian businesses or sectors or I don't know. No. No. Yeah.\n\nNo. I was I was I understand that. It would cost a lot more, but, yeah, I thought anyway, that's all. They're still performing a lot better than the last fund anyway. Yep.\n\nYeah. Yeah. Nice. Yep. Yep.\n\nNo. That's cool. No. That's it. Yep.\n\nNo. That's it. Alright. Appreciate it. Alright.\n\nAlright. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.5999999,"end":2.1,"sentiment":"neutral","sentiment_score":0.020796161144971848},{"text":"Good.","start":5.6,"end":5.7599998,"sentiment":"positive","sentiment_score":0.4504469931125641},{"text":"Yourself.","start":5.7599998,"end":6.16,"sentiment":"positive","sentiment_score":0.3384234309196472},{"text":"I had good afternoon.","start":6.16,"end":7.2,"sentiment":"positive","sentiment_score":0.38321227580308914},{"text":"And then I was Oh, 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the last fund 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cool.","start":973.715,"end":974.455,"sentiment":"positive","sentiment_score":0.39436405897140503},{"text":"No.","start":977.635,"end":977.955,"sentiment":"neutral","sentiment_score":0.05933695286512375},{"text":"That's it.","start":977.955,"end":978.695,"sentiment":"neutral","sentiment_score":0.16778018325567245},{"text":"Yep.","start":986.59503,"end":987.09503,"sentiment":"neutral","sentiment_score":0.15877537429332733}],"sentiment":"neutral","sentiment_score":0.21597920677491597,"num_words":7,"start":973.47504,"end":987.09503},{"sentences":[{"text":"No.","start":991.41,"end":991.65,"sentiment":"neutral","sentiment_score":-0.20001977682113647},{"text":"That's it.","start":991.65,"end":994.23,"sentiment":"positive","sentiment_score":0.4590817242860794},{"text":"Alright.","start":996.52997,"end":996.85,"sentiment":"positive","sentiment_score":0.4362971782684326},{"text":"Appreciate it.","start":996.85,"end":997.83,"sentiment":"positive","sentiment_score":0.7589680552482605},{"text":"Alright.","start":999.17,"end":999.65,"sentiment":"neutral","sentiment_score":0.23217330873012543}],"sentiment":"positive","sentiment_score":0.41493575274944305,"num_words":7,"start":991.41,"end":999.65},{"sentences":[{"text":"Alright.","start":999.65,"end":999.89,"sentiment":"neutral","sentiment_score":0.25053954124450684},{"text":"Thank you.","start":999.89,"end":1000.63,"sentiment":"positive","sentiment_score":0.6904090046882629},{"text":"Bye.","start":1001.65,"end":1002.15,"sentiment":"neutral","sentiment_score":-0.11234422028064728}],"sentiment":"positive","sentiment_score":0.37975333258509636,"num_words":4,"start":999.65,"end":1002.15}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hey, Kevin. Tommy here from Microview Financial. How are you doing?\n\nChannel 1: Good. Yourself. I had good afternoon. And then I\n\nChannel 0: Yes.\n\nChannel 1: was\n\nChannel 0: Same thing. Just dropped straight out after two seconds. Do apologize for\n\nChannel 1: Oh, good.\n\nChannel 0: that. Mate, I'm just giving you a buzz. We're gonna go through a couple of updates, and I've got some notes on your file about some insurances coming up that you're looking to possibly cancel. Are you okay if\n\nChannel 1: Yep.\n\nChannel 0: I just run through the security process with\n\nChannel 1: Yep.\n\nChannel 0: you? Awesome. You're okay for the calls to be recorded for training and quality purposes?\n\nChannel 1: Yep.\n\nChannel 0: Awesome. And just for the security of your account, can I please confirm your date of birth address, please,\n\nChannel 1: 09/01/1932. Hundred 58 Main Cross Road, Tilly.\n\nChannel 0: sir? Fantastic. Thank you so much for that, Kev. First thing I wanted to jump into was just around your policy anniversary coming up because there was a note on file that you're thinking of maybe canceling the out of pocket trauma cover that's coming due in about three weeks' time.\n\nChannel 1: Yep. Yeah. So that that money that comes out of our pocket from a and zed. Yeah. I wanna cancel that because I've just swapped jobs, and, obviously, our bills are the same as my income now.\n\nSo\n\nChannel 0: Yeah.\n\nChannel 1: I need\n\nChannel 0: Gotcha.\n\nChannel 1: to cut that back.\n\nChannel 0: Absolutely. And based on the anniversary that's coming up, the out of pocket portion's coming out almost $3 in three weeks' time. So I'm\n\nChannel 1: Adapocritus.\n\nChannel 0: just\n\nChannel 1: Sorry. Sorry. I'm sorry. I'm sorry. I'm sorry.\n\nI'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry.\n\nI'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry.\n\nI'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry.\n\nI'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry.\n\nI'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry.\n\nI'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry.\n\nI'm sorry. I\n\nChannel 0: moving. Monthly. Monthly. I've got some policy. I'm looking at towel here.\n\nIs that the one you're talking\n\nChannel 1: Yes.\n\nChannel 0: about? Tow or handset?\n\nChannel 1: So so but it comes out of my own set account.\n\nChannel 0: Oh, it comes\n\nChannel 1: So\n\nChannel 0: out\n\nChannel 1: I think\n\nChannel 0: of your Anzet bank account.\n\nChannel 1: yeah. So\n\nChannel 0: There we go.\n\nChannel 1: Okay.\n\nChannel 0: 2 55 a month, $3\n\nChannel 1: Yeah. 25541\n\nChannel 0: a\n\nChannel 1: on the sixteenth of\n\nChannel 0: year.\n\nChannel 1: February. Yeah. So I was hoping to cut that back. That's 255 a month.\n\nChannel 0: Yeah. Absolutely. So let me get a little bit of a split down for you. So that out of pocket portion, that's got your your trauma insurance, which is your heart attack, stroke, and cancer. That's got you insured for $80,000, and that one is 175 a month of that $2.55.\n\nChannel 1: Mhmm.\n\nChannel 0: The other 80 a month, that's for the own\n\nChannel 1: No.\n\nChannel 0: questions just\n\nChannel 1: Mhmm.\n\nChannel 0: so I can help you out with it? With the own occupation definition that you've got, so the whole point behind that is that it's much broader to claim on than the one that's through the super definition. It's just an extra coverage saying if you can't work specifically your occupation, then you get paid rather than, oh, you can't work any occupation that you're suited to. So what I wanted to check with you was you said the you've just had a change in the employment. Is that right?\n\nChannel 1: Yeah. Well, employers. Yes. I'm now doing two and two for Underground.\n\nChannel 0: Tell me. So that's\n\nChannel 1: Instead of\n\nChannel 0: underground.\n\nChannel 1: doing one roster, I'm doing two and two roster.\n\nChannel 0: Okay.\n\nChannel 1: So I've dropped about $70 a year. But then as\n\nChannel 0: Alright.\n\nChannel 1: my experience goes up, so I've taken a six month hit to hopefully gain some of that back. Six months' time, but working less.\n\nChannel 0: Cool. Okay. So two on one off or\n\nChannel 1: It's what\n\nChannel 0: the two\n\nChannel 1: I\n\nChannel 0: and\n\nChannel 1: was\n\nChannel 0: two?\n\nChannel 1: working. Now I'm\n\nChannel 0: Yeah.\n\nChannel 1: too on too off.\n\nChannel 0: Two would do fantastic. Mate, can I just note down a couple quick things for that one? Who's the so you said it's underground instead of\n\nChannel 1: Yep.\n\nChannel 0: above ground?\n\nChannel 1: Yep.\n\nChannel 0: And is that still, like, diesel mechanic?\n\nChannel 1: Days of Fitter, they call it.\n\nChannel 0: Diesel fitter. Who's the employer that you've switched to?\n\nChannel 1: So I'm I'm sure Noble, but working for Bomingo. And then\n\nChannel 0: Okay.\n\nChannel 1: after my six month trial, if Bomingo take me on board, I just step across to Bomingo.\n\nChannel 0: Step across. And that was from Noble.\n\nChannel 1: Yep.\n\nChannel 0: It's a sort of agency. Because it was\n\nChannel 1: Yep. It\n\nChannel 0: the CSI before that, wasn't it? Crushing Services\n\nChannel 1: was.\n\nChannel 0: International. Yeah.\n\nChannel 1: It was.\n\nChannel 0: Alright. Can I just update quickly? Income wise, I\n\nChannel 1: Mhmm.\n\nChannel 0: think we had you on about 02:10, and you said it's dropped about, what, fourteen?\n\nChannel 1: Well, I get seventy two and I have 12 rad eyes at four and a swing bed and swing the year. 157.\n\nChannel 0: February. 157 there. Perfect. And one of the things too that I had you on file for was a six month check to see if you were still nonsmoker status, which would have really dropped the premiums down pretty well. I'm assuming you'd be twelve months clear now.\n\nOr\n\nChannel 1: Yes. I've I've signed that the other day. That's why I was I rang them to do all that, anyway. I signed\n\nChannel 0: Awesome.\n\nChannel 1: that paperwork a while ago and then re signed it\n\nChannel 0: Awesome. Cool. So the nonsmoker's\n\nChannel 1: the\n\nChannel 0: deck, that's gonna be applied. That's almost half.\n\nChannel 1: other\n\nChannel 0: That's pretty good.\n\nChannel 1: day.\n\nChannel 0: Alright. And then what I can do\n\nChannel 1: So on the twentieth, I got a thing from Amy for the nonsmoker declaration.\n\nChannel 0: is perfect. So she's flicking that through to them, and then the cancellation will help as well. Do you want me to cancel just the entire out of pocket?\n\nChannel 1: I'd like well, so, yeah, I'd like to decide that. But then is is there a way we can maybe shorten it or have it or I don't know.\n\nChannel 0: Well, once the the nonsmoker's deck is processed, that'll chop. So instead of $2.55 a month, that'll drop it down to, say, $1.50. Then if you chop off the trauma side of things, you'd probably be left with around about 50 a month to keep that disability definition. What do you think?\n\nChannel 1: Is that disability definition really worthwhile?\n\nChannel 0: I probably don't think it fits you at the moment because it was based on what were you doing in 2016? Really random question, but this is when that policy first got put in force.\n\nChannel 1: '26 then.\n\nChannel 0: So has your truck driver before the days of mechanics for IOR, but I was wondering back in 2016, so I think ten year ago.\n\nChannel 1: I'm just trying to think which site I would have been at ten years ago. 2036, I would have been I would have been working in the mines in the territory as a serviceman.\n\nChannel 0: That's right. It was a bit more lighter manual back then in terms\n\nChannel 1: Yeah. So\n\nChannel 0: of\n\nChannel 1: I\n\nChannel 0: duties.\n\nChannel 1: was spending a fair some more refueling equipment and basic servicing.\n\nChannel 0: Okay. So at that point then, if they've got you insured as an own occupation for that specific occupation because you've switched a few times, it may not even be worth kind of keeping that definition because you'd pretty much be paid out under the current definition anyway under the any occupation that you've got. In most circumstances, like, it's very, very small circumstances where it wouldn't pay out.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So, look, the real question is, do you wanna keep the, like, the trauma insurance? Because you've got let's say you've got your life, your disability, pass away, you can never work again. Trauma is that one that's just like a lump sum if you have a diagnosis. So cancer, heart attack, stroke. It's like a serious event.\n\nYou may not be fully disabled or pass away, but it's, like,\n\nChannel 1: Yep.\n\nChannel 0: serious enough that you may need a bit of medical bills. That's the most expensive one out of pocket. It's about a 100 and 174 a month\n\nChannel 1: And that's for ibigram.\n\nChannel 0: currently. That's for $80. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Whereas your your TBD, because you've still got that portion inside super. Right? That's\n\nChannel 1: Yep.\n\nChannel 0: covering you for 400,000 if you're permanently disabled, and then you've got income protection as well. So you've pretty much got every event covered. It's just about, okay, quite a bit out of pocket for the trauma cover and then that extra chunk for the extra definition. Do you need it?\n\nChannel 1: Yeah. Yeah. Well, I think I think I'll be happy to get rid of that extra definition. I think the trauma coming maybe half it, four weeks high or something.\n\nChannel 0: K. So let's have\n\nChannel 1: And\n\nChannel 0: a\n\nChannel 1: then\n\nChannel 0: quick\n\nChannel 1: with this nonsmoker\n\nChannel 0: k.\n\nChannel 1: sort of thing kicks in, maybe that's still reasonable or manageable\n\nChannel 0: So\n\nChannel 1: for me.\n\nChannel 0: let me do a quick calc. So let's say we chop off that extra definition and the nonsmokers goes through. So let's say based on the 80,000, it'd be sitting at around 90 a month from $2.55. How's that looking? Would you wanna drop it to, like, $50 flat, or do you reckon keep it at 79?\n\nChannel 1: One sec. The $2.50 star that comes as of what the each month. That's the definition thing, which is an APSOL, and that's a trauma insurance for 80,000. So if I had a stroke, heart attack, cancer, or whatever, I get probably the 80,000, which goes towards treatment. This how much did you say value with this ID with the non smart home?\n\nChannel 0: So that would probably chop down to 90 a month from the full $2.55. You chop off the definition and nonsmokers rates, you're looking at around\n\nChannel 1: Yeah.\n\nChannel 0: about 90, give or take.\n\nChannel 1: And keep that 80 for severe cancer, heart attack, stroke, whatever you get paid that lump sum of 80 k towards medical bills and shit. It's cost $60.55 a month. At the moment, it'll cost 90 if we get rid of other stuff. You have with that? Yes.\n\nI'm after that.\n\nChannel 0: Yeah. So for now, I'll let the nonsmokers go through and do cancellation letter up for that extra definition and\n\nChannel 1: Yep.\n\nChannel 0: then touch base with you after that. Cool.\n\nChannel 1: Yep.\n\nChannel 0: K.\n\nChannel 1: Oh, pretty good.\n\nChannel 0: Alright. So I'm\n\nChannel 1: It'd\n\nChannel 0: just\n\nChannel 1: be\n\nChannel 0: gonna\n\nChannel 1: it'd\n\nChannel 0: note\n\nChannel 1: be my\n\nChannel 0: this\n\nChannel 1: luck\n\nChannel 0: down.\n\nChannel 1: I'll cancel a complaint then. I have a auto tech next week.\n\nChannel 0: Yeah. Look. If you can keep it for a little while, that's probably advisable. It's one of those ones that tends to be one of the most claimed on because of stuff like that.\n\nChannel 1: Yeah.\n\nChannel 0: But, again, we can always like, it doesn't mean, again, it's locked in because it'll go up a bit next year. Do we trim it down a little bit? Like, we can keep an eye on it.\n\nChannel 1: They're 90\n\nChannel 0: So\n\nChannel 1: a month more manageable than two fifty at the moment.\n\nChannel 0: yep. So I'll go on smokers rates for the policy. I'm just making a few notes for the team here. And then that's currently at the 80,000,\n\nChannel 1: Yep.\n\nChannel 0: and I'll see what that comes down to afterwards. While\n\nChannel 1: Yeah.\n\nChannel 0: I've got you, 5,000 a month of income protection through the super. I'm just gonna quickly check that. Cool. So based on your income, you're still protecting you're still getting $5 a month for income protection through super.\n\nChannel 1: Yep.\n\nChannel 0: So it's not too much. Like, you know, I was worried it was protecting income of 200,000, but that's chopped down. So that's okay. And then you're left with 400\n\nChannel 1: Yep.\n\nChannel 0: thousand of life and disability, which that covers the mortgage plus another couple of 100,000 left over and then the super on top of that.\n\nChannel 1: Yep.\n\nChannel 0: How's that sound so far?\n\nChannel 1: No. It's good. I'm happy that drops up from $2.55 to 90 anyway.\n\nChannel 0: Yep. Again, that's just an approximate. I'll get you the actual specific one\n\nChannel 1: Yep.\n\nChannel 0: just so I can give you a bump steer, but it's it's around about half the smokers. Right? And the only thing other thing that I'm doing as well, Kev, while I've got you, is Teams putting\n\nChannel 1: Yep.\n\nChannel 0: together that investment switch update for your super to get\n\nChannel 1: Mhmm.\n\nChannel 0: rid of that that Benelon option that's been sort of underperforming that we spoke about. So I'm gonna kind of put all of this in the underperforming that we spoke about. So I'm gonna kind of put all of this in the one document to see you've kind of got it on paper, and then you can kinda see, oh, this is the updated plan.\n\nChannel 1: Yep. Well, sir, I've just I've started getting into shares both for myself.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: And and I see this this is running like EFPs. And, again, up to six months ago, I didn't even know what any of that meant. But to be honest, I thought you'd be more aggressive than than just EFPs. I thought you'd actually be, like, I don't know, more on, say, certain Australian businesses or sectors or I don't know.\n\nChannel 0: Oh, yeah. I mean, we're definitely not in the habit of borrowing money on your super yet. Leveraging up and borrowing is probably the most aggressive you can do. Outside of, like, the main ETFs, there's a few sectors there. The gold, the cyber security, battery tech and lithium, which is really gone gangbusters for yours, but\n\nChannel 1: No.\n\nChannel 0: we don't go too crazy with too many satellites. Like, let's say you've got three main options. Having five satellites floating around that they're a little bit more aggressive is good, but we probably don't go a little bit more crazy than that. Again, whole idea, I guess, on the super side is get you an extra couple of percent a year, steady growth for a decade or two, and that gives you the extra couple of $100.\n\nChannel 1: No.\n\nChannel 0: Probably not gonna be day trading your super, if that makes sense.\n\nChannel 1: Yeah. No. I was I was I understand that. It would cost a lot more, but, yeah, I thought anyway, that's all. They're still performing\n\nChannel 0: But\n\nChannel 1: a lot better than the last fund anyway.\n\nChannel 0: Yeah. I mean, even despite what's been going on recently, last check I did, when I spoke to you last, it was sitting at a 183,000, jumped up to $2.17, and it's dropped down to $2.15 recently just with a bit of a fluctuation. So still pretty going pretty good long term. But, again, you're probably gonna see it pretty volatile for the next six months.\n\nChannel 1: Yep.\n\nChannel 0: But regardless, I'm still updating a few of those options as well, and I've gotta get you the specifics on the insurance premiums drop down.\n\nChannel 1: Yeah.\n\nChannel 0: And the good thing too is if that gets applied to your in super policy too, that may save you an extra couple of grand in premiums and fees coming out, and that's gonna help the super grow as well.\n\nChannel 1: Yeah. Nice.\n\nChannel 0: Cool. So a few little things to do. Basically, I'll follow-up with that nonsmoker's rate gets applied straight away. With\n\nChannel 1: Yep.\n\nChannel 0: the cancellation letter, we'll have it to you this week. And just keep an eye out for the team just to give you a buzz for the cancellation letter itself.\n\nChannel 1: Yep.\n\nChannel 0: And then after that, when they touch base with you on the cancellation, they're just gonna get you booked in with me just to go through that portfolio update on the super.\n\nChannel 1: No. That's cool.\n\nChannel 0: Cool. Any questions, mate?\n\nChannel 1: No. That's it.\n\nChannel 0: Easy peasy. Well, I'll jump on with the team and get that rolling. And, yeah, just keep an ear out this week and next week.\n\nChannel 1: Yep.\n\nChannel 0: Of course, Kev. Any last questions before I let you go?\n\nChannel 1: No. That's\n\nChannel 0: Awesome, dude. Well,\n\nChannel 1: it.\n\nChannel 0: I will talk to you over the fortnight.\n\nChannel 1: Alright. Appreciate it.\n\nChannel 0: Thanks, mate. Talk soon.\n\nChannel 1: Alright.\n\nChannel 0: Bye.\n\nChannel 1: Alright. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.5999999,"end":2.1,"sentiment":"neutral","sentiment_score":0.020796161144971848}],"sentiment":"neutral","sentiment_score":0.020796161144971848,"channel":1,"num_words":1,"start":1.5999999,"end":2.1},{"sentences":[{"text":"Hey, Kevin.","start":2.56,"end":3.28,"sentiment":"neutral","sentiment_score":0.06932806223630905},{"text":"Tommy here from Microview Financial.","start":3.28,"end":4.64,"sentiment":"neutral","sentiment_score":0.12682218700647355},{"text":"How are you doing?","start":4.64,"end":5.46,"sentiment":"neutral","sentiment_score":0.1558169648051262}],"sentiment":"neutral","sentiment_score":0.12691226533868097,"channel":0,"num_words":11,"start":2.56,"end":5.46},{"sentences":[{"text":"Good.","start":5.6,"end":5.7599998,"sentiment":"positive","sentiment_score":0.4504469931125641},{"text":"Yourself.","start":5.7599998,"end":6.16,"sentiment":"positive","sentiment_score":0.3384234309196472},{"text":"I had good afternoon.","start":6.16,"end":7.2,"sentiment":"positive","sentiment_score":0.38321227580308914},{"text":"And then I","start":7.2,"end":9.13,"sentiment":"neutral","sentiment_score":0.04872278310358524}],"sentiment":"neutral","sentiment_score":0.2742097640617026,"channel":1,"num_words":9,"start":5.6,"end":9.13},{"sentences":[{"text":"Yes.","start":8.88,"end":9.36,"sentiment":"neutral","sentiment_score":0.04639369994401932}],"sentiment":"neutral","sentiment_score":0.04639369994401932,"channel":0,"num_words":1,"start":8.88,"end":9.36},{"sentences":[{"text":"was","start":9.13,"end":9.63,"sentiment":"neutral","sentiment_score":-0.010035766288638117}],"sentiment":"neutral","sentiment_score":-0.010035766288638117,"channel":1,"num_words":1,"start":9.13,"end":9.63},{"sentences":[{"text":"Same thing.","start":9.36,"end":9.84,"sentiment":"neutral","sentiment_score":-0.020759773440659043},{"text":"Just dropped straight out after two seconds.","start":9.84,"end":11.44,"sentiment":"neutral","sentiment_score":-0.1416791666831289},{"text":"Do apologize for","start":11.44,"end":12.525,"sentiment":"neutral","sentiment_score":-0.09189453969399135}],"sentiment":"neutral","sentiment_score":-0.1090797777287662,"channel":0,"num_words":12,"start":9.36,"end":12.525},{"sentences":[{"text":"Oh, good.","start":12.915,"end":14.135,"sentiment":"neutral","sentiment_score":0.08529165014624596}],"sentiment":"neutral","sentiment_score":0.08529165014624596,"channel":1,"num_words":2,"start":12.915,"end":14.135},{"sentences":[{"text":"that.","start":14.205,"end":14.365,"sentiment":"neutral","sentiment_score":0.02537345141172409},{"text":"Mate, I'm just giving you a buzz.","start":14.365,"end":15.565,"sentiment":"neutral","sentiment_score":-0.03405655760850225},{"text":"We're gonna go through a couple of updates, and I've got some notes on your file about some insurances coming up that you're looking to possibly cancel.","start":15.565,"end":22.785,"sentiment":"neutral","sentiment_score":-0.027364353476851073},{"text":"Are you okay if","start":22.925,"end":23.645,"sentiment":"neutral","sentiment_score":0.016343161463737488}],"sentiment":"neutral","sentiment_score":-0.02273044486840566,"channel":0,"num_words":39,"start":14.205,"end":23.645},{"sentences":[{"text":"Yep.","start":23.555,"end":24.055,"sentiment":"neutral","sentiment_score":0.021571865305304527}],"sentiment":"neutral","sentiment_score":0.021571865305304527,"channel":1,"num_words":1,"start":23.555,"end":24.055},{"sentences":[{"text":"I just run through the security process 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purposes?","start":27.92,"end":31.54,"sentiment":"neutral","sentiment_score":0.13714413058299285}],"sentiment":"neutral","sentiment_score":0.13838874846696853,"channel":0,"num_words":15,"start":27.36,"end":31.54},{"sentences":[{"text":"Yep.","start":32.06,"end":32.56,"sentiment":"neutral","sentiment_score":0.07557215541601181}],"sentiment":"neutral","sentiment_score":0.07557215541601181,"channel":1,"num_words":1,"start":32.06,"end":32.56},{"sentences":[{"text":"Awesome.","start":33.04,"end":33.44,"sentiment":"neutral","sentiment_score":0.2007775604724884},{"text":"And just for the security of your account, can I please confirm your date of birth address, 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that's just like a lump sum if you have a diagnosis.","start":495.96,"end":500.86,"sentiment":"negative","sentiment_score":-0.3507820506890615},{"text":"So cancer, heart attack, stroke.","start":501.63998,"end":504.515,"sentiment":"negative","sentiment_score":-0.4071809947490692},{"text":"It's like a serious event.","start":504.815,"end":506.17502,"sentiment":"negative","sentiment_score":-0.5090807139873504}],"sentiment":"neutral","sentiment_score":-0.3144860776333973,"channel":0,"num_words":58,"start":485.82498,"end":506.17502},{"sentences":[{"text":"You may not be fully disabled or pass away, but it's, 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month","start":513.935,"end":518.04,"sentiment":"neutral","sentiment_score":-0.129031783901155}],"sentiment":"negative","sentiment_score":-0.416145586029247,"channel":0,"num_words":27,"start":509.375,"end":518.04},{"sentences":[{"text":"And that's for ibigram.","start":521.44495,"end":522.665,"sentiment":"neutral","sentiment_score":-0.043914686888456345}],"sentiment":"neutral","sentiment_score":-0.043914686888456345,"channel":1,"num_words":4,"start":521.44495,"end":522.665},{"sentences":[{"text":"currently.","start":523.07996,"end":523.57996,"sentiment":"neutral","sentiment_score":-0.04459390044212341},{"text":"That's for $80.","start":523.63995,"end":524.75995,"sentiment":"neutral","sentiment_score":-0.045854352414608},{"text":"Yeah.","start":524.75995,"end":525.25995,"sentiment":"neutral","sentiment_score":0.022435929626226425}],"sentiment":"neutral","sentiment_score":-0.0319442056119442,"channel":0,"num_words":5,"start":523.07996,"end":525.25995},{"sentences":[{"text":"Yeah.","start":525.925,"end":526.425,"sentiment":"neutral","sentiment_score":0.03284597396850586}],"sentiment":"neutral","sentiment_score":0.03284597396850586,"channel":1,"num_words":1,"start":525.925,"end":526.425},{"sentences":[{"text":"Whereas your your TBD, because you've still got that portion inside super.","start":529.24,"end":533.02496,"sentiment":"neutral","sentiment_score":0.047372664945820965},{"text":"Right?","start":533.02496,"end":533.52496,"sentiment":"neutral","sentiment_score":0.0882488340139389},{"text":"That's","start":533.745,"end":534.065,"sentiment":"neutral","sentiment_score":0.10455654561519624}],"sentiment":"neutral","sentiment_score":0.05437695421278477,"channel":0,"num_words":14,"start":529.24,"end":534.065},{"sentences":[{"text":"Yep.","start":533.95996,"end":534.45996,"sentiment":"neutral","sentiment_score":0.09284226596355438}],"sentiment":"neutral","sentiment_score":0.09284226596355438,"channel":1,"num_words":1,"start":533.95996,"end":534.45996},{"sentences":[{"text":"covering you for 400,000 if you're permanently disabled, and then you've got income protection as well.","start":534.065,"end":540.305,"sentiment":"neutral","sentiment_score":0.07864137389697134},{"text":"So you've pretty much got every event 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this nonsmoker","start":565.05,"end":566.11,"sentiment":"neutral","sentiment_score":0.015397917479276657}],"sentiment":"neutral","sentiment_score":0.015397917479276657,"channel":1,"num_words":3,"start":565.05,"end":566.11},{"sentences":[{"text":"k.","start":566.345,"end":566.845,"sentiment":"neutral","sentiment_score":0.0048858835361897945}],"sentiment":"neutral","sentiment_score":0.0048858835361897945,"channel":0,"num_words":1,"start":566.345,"end":566.845},{"sentences":[{"text":"sort of thing kicks in, maybe that's still reasonable or 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off the definition and nonsmokers rates, you're looking at around","start":632.38,"end":636.86,"sentiment":"neutral","sentiment_score":-0.013123408115158478}],"sentiment":"neutral","sentiment_score":-0.006697477987752511,"channel":0,"num_words":26,"start":627.33997,"end":636.86},{"sentences":[{"text":"Yeah.","start":636.585,"end":636.96,"sentiment":"neutral","sentiment_score":0.0127730630338192}],"sentiment":"neutral","sentiment_score":0.0127730630338192,"channel":1,"num_words":1,"start":636.585,"end":636.96},{"sentences":[{"text":"about 90, give or take.","start":636.86,"end":638.39996,"sentiment":"neutral","sentiment_score":-0.0038277173414826395}],"sentiment":"neutral","sentiment_score":-0.0038277173414826395,"channel":0,"num_words":5,"start":636.86,"end":638.39996},{"sentences":[{"text":"And keep that 80 for severe cancer, heart attack, stroke, whatever you get paid that lump sum of 80 k towards medical bills and 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afterwards.","start":720.24,"end":722.5,"sentiment":"neutral","sentiment_score":0.008271722950869136},{"text":"While","start":723.795,"end":724.115,"sentiment":"neutral","sentiment_score":0.01939554139971733}],"sentiment":"neutral","sentiment_score":0.009384104795753957,"channel":0,"num_words":10,"start":720.24,"end":724.115},{"sentences":[{"text":"Yeah.","start":723.84,"end":724.34,"sentiment":"neutral","sentiment_score":0.02683350443840027}],"sentiment":"neutral","sentiment_score":0.02683350443840027,"channel":1,"num_words":1,"start":723.84,"end":724.34},{"sentences":[{"text":"I've got you, 5,000 a month of income protection through the super.","start":724.115,"end":730.295,"sentiment":"neutral","sentiment_score":0.041760193184018135},{"text":"I'm just gonna quickly check that.","start":730.595,"end":732.375,"sentiment":"neutral","sentiment_score":0.06441938939193885},{"text":"Cool.","start":734.115,"end":734.615,"sentiment":"neutral","sentiment_score":0.2885773181915283},{"text":"So based on your income, you're still protecting you're still getting $5 a month for income protection through super.","start":734.675,"end":740.77997,"sentiment":"neutral","sentiment_score":0.19357165851091085}],"sentiment":"neutral","sentiment_score":0.1277388811699654,"channel":0,"num_words":38,"start":724.115,"end":740.77997},{"sentences":[{"text":"Yep.","start":741.495,"end":741.995,"sentiment":"neutral","sentiment_score":0.1349763125181198}],"sentiment":"neutral","sentiment_score":0.1349763125181198,"channel":1,"num_words":1,"start":741.495,"end":741.995},{"sentences":[{"text":"So it's not too much.","start":742.2,"end":743.16,"sentiment":"neutral","sentiment_score":0.08450073376297951},{"text":"Like, you know, I was worried it was protecting income of 200,000, but that's chopped down.","start":743.16,"end":747.39996,"sentiment":"neutral","sentiment_score":-0.04221260594204068},{"text":"So that's okay.","start":747.39996,"end":748.54,"sentiment":"neutral","sentiment_score":0.18207099537054697},{"text":"And then you're left with 400","start":748.76,"end":750.92,"sentiment":"neutral","sentiment_score":0.11925039812922478}],"sentiment":"neutral","sentiment_score":0.033627244954307876,"channel":0,"num_words":30,"start":742.2,"end":750.92},{"sentences":[{"text":"Yep.","start":750.61,"end":751.11,"sentiment":"neutral","sentiment_score":0.06641609966754913}],"sentiment":"neutral","sentiment_score":0.06641609966754913,"channel":1,"num_words":1,"start":750.61,"end":751.11},{"sentences":[{"text":"thousand of life and disability, which that covers the mortgage plus another couple of 100,000 left over and then the super on top of that.","start":750.92,"end":763.165,"sentiment":"neutral","sentiment_score":0.08671159148216248}],"sentiment":"neutral","sentiment_score":0.08671159148216248,"channel":0,"num_words":25,"start":750.92,"end":763.165},{"sentences":[{"text":"Yep.","start":763.57,"end":763.935,"sentiment":"neutral","sentiment_score":0.024031754583120343}],"sentiment":"neutral","sentiment_score":0.024031754583120343,"channel":1,"num_words":1,"start":763.57,"end":763.935},{"sentences":[{"text":"How's that sound so far?","start":765.305,"end":766.5,"sentiment":"neutral","sentiment_score":0.1374899834394455}],"sentiment":"neutral","sentiment_score":0.1374899834394455,"channel":0,"num_words":5,"start":765.305,"end":766.5},{"sentences":[{"text":"No.","start":767.135,"end":767.295,"sentiment":"neutral","sentiment_score":0.03570316731929779},{"text":"It's good.","start":767.295,"end":767.935,"sentiment":"positive","sentiment_score":0.4114203155040741},{"text":"I'm happy that drops up from $2.55 to 90 anyway.","start":767.935,"end":771.315,"sentiment":"positive","sentiment_score":0.3807871326804161}],"sentiment":"positive","sentiment_score":0.35895500962550825,"channel":1,"num_words":13,"start":767.135,"end":771.315},{"sentences":[{"text":"Yep.","start":771.86,"end":772.34,"sentiment":"neutral","sentiment_score":0.12306388467550278},{"text":"Again, that's just an approximate.","start":772.34,"end":773.7,"sentiment":"neutral","sentiment_score":0.05596771985292435},{"text":"I'll get you the actual specific one","start":773.7,"end":775.64,"sentiment":"neutral","sentiment_score":0.05989127020750727}],"sentiment":"neutral","sentiment_score":0.06324164426097503,"channel":0,"num_words":13,"start":771.86,"end":775.64},{"sentences":[{"text":"Yep.","start":775.855,"end":776.355,"sentiment":"neutral","sentiment_score":0.0503961443901062}],"sentiment":"neutral","sentiment_score":0.0503961443901062,"channel":1,"num_words":1,"start":775.855,"end":776.355},{"sentences":[{"text":"just so I can give you a bump steer, but it's it's around about half the smokers.","start":775.94,"end":779.7,"sentiment":"neutral","sentiment_score":0.03784854797755971},{"text":"Right?","start":779.7,"end":780.015,"sentiment":"neutral","sentiment_score":0.069843590259552},{"text":"And the only thing other thing that I'm doing as well, Kev, while I've got you, is Teams putting","start":781.935,"end":787.53503,"sentiment":"neutral","sentiment_score":0.039638683788086236}],"sentiment":"neutral","sentiment_score":0.03963253777977582,"channel":0,"num_words":37,"start":775.94,"end":787.53503},{"sentences":[{"text":"Yep.","start":787.35,"end":787.85,"sentiment":"neutral","sentiment_score":0.03622041270136833}],"sentiment":"neutral","sentiment_score":0.03622041270136833,"channel":1,"num_words":1,"start":787.35,"end":787.85},{"sentences":[{"text":"together that investment switch update for your super to get","start":787.53503,"end":791.135,"sentiment":"neutral","sentiment_score":0.014928554929792882}],"sentiment":"neutral","sentiment_score":0.014928554929792882,"channel":0,"num_words":10,"start":787.53503,"end":791.135},{"sentences":[{"text":"Mhmm.","start":791.11,"end":791.61,"sentiment":"neutral","sentiment_score":-0.061217159032821655}],"sentiment":"neutral","sentiment_score":-0.061217159032821655,"channel":1,"num_words":1,"start":791.11,"end":791.61},{"sentences":[{"text":"rid of that that Benelon option that's been sort of underperforming that we spoke about.","start":791.135,"end":794.127,"sentiment":"neutral","sentiment_score":-0.18771515488624574},{"text":"So I'm gonna kind of put all of this in the underperforming that we spoke about.","start":794.127,"end":797.0,"sentiment":"neutral","sentiment_score":-0.07273363042622805},{"text":"So I'm gonna kind of put all of this in the one document to see you've kind of got it on paper, and then you can kinda see, oh, this is the updated plan.","start":797.0,"end":803.76996,"sentiment":"neutral","sentiment_score":0.048954038606847036}],"sentiment":"neutral","sentiment_score":-0.03561581688431593,"channel":0,"num_words":65,"start":791.135,"end":803.76996},{"sentences":[{"text":"Yep.","start":805.16504,"end":805.325,"sentiment":"neutral","sentiment_score":0.07699128240346909},{"text":"Well, sir, I've just I've started getting into shares both for myself.","start":805.325,"end":809.10504,"sentiment":"neutral","sentiment_score":0.08583987938861053}],"sentiment":"neutral","sentiment_score":0.08515921808206119,"channel":1,"num_words":13,"start":805.16504,"end":809.10504},{"sentences":[{"text":"Yeah.","start":809.99,"end":810.23,"sentiment":"neutral","sentiment_score":0.05307738482952118},{"text":"Yeah.","start":810.23,"end":810.525,"sentiment":"neutral","sentiment_score":0.04287378489971161}],"sentiment":"neutral","sentiment_score":0.047975584864616394,"channel":0,"num_words":2,"start":809.99,"end":810.525},{"sentences":[{"text":"And and I see this this is running like EFPs.","start":810.7,"end":814.0,"sentiment":"neutral","sentiment_score":0.016760310530662535},{"text":"And, again, up to six months ago, I didn't even know what any of that meant.","start":814.30005,"end":818.48004,"sentiment":"neutral","sentiment_score":-0.022389896446838975},{"text":"But to be honest, I thought you'd be more aggressive than than just 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satellites floating around that they're a little bit more aggressive is good, but we probably don't go a little bit more crazy than that.","start":861.12,"end":867.815,"sentiment":"neutral","sentiment_score":-0.0013516763798319376},{"text":"Again, whole idea, I guess, on the super side is get you an extra couple of percent a year, steady growth for a decade or two, and that gives you the extra couple of $100.","start":868.35504,"end":879.29,"sentiment":"neutral","sentiment_score":0.32917670820440564}],"sentiment":"neutral","sentiment_score":0.13678646679872122,"channel":0,"num_words":78,"start":855.6,"end":879.29},{"sentences":[{"text":"No.","start":880.22,"end":880.72,"sentiment":"neutral","sentiment_score":-0.1465749740600586}],"sentiment":"neutral","sentiment_score":-0.1465749740600586,"channel":1,"num_words":1,"start":880.22,"end":880.72},{"sentences":[{"text":"Probably not gonna be day trading your super, if that makes 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$2.17, and it's dropped down to $2.15 recently just with a bit of a fluctuation.","start":895.395,"end":909.61,"sentiment":"neutral","sentiment_score":-0.012326487534961034},{"text":"So still pretty going pretty good long term.","start":909.82996,"end":912.73,"sentiment":"neutral","sentiment_score":0.10616590129211545},{"text":"But, again, you're probably gonna see it pretty volatile for the next six months.","start":913.26996,"end":917.13,"sentiment":"neutral","sentiment_score":-0.18975401669740677}],"sentiment":"neutral","sentiment_score":-0.03454734136660894,"channel":0,"num_words":66,"start":895.075,"end":917.13},{"sentences":[{"text":"Yep.","start":917.895,"end":918.395,"sentiment":"neutral","sentiment_score":0.06016065925359726}],"sentiment":"neutral","sentiment_score":0.06016065925359726,"channel":1,"num_words":1,"start":917.895,"end":918.395},{"sentences":[{"text":"But regardless, I'm still updating a few of those options as well, and I've gotta get you the specifics on the insurance premiums drop down.","start":919.75,"end":928.135,"sentiment":"neutral","sentiment_score":0.12851954102516175}],"sentiment":"neutral","sentiment_score":0.12851954102516175,"channel":0,"num_words":25,"start":919.75,"end":928.135},{"sentences":[{"text":"Yeah.","start":930.15,"end":930.65,"sentiment":"neutral","sentiment_score":0.22788436710834503}],"sentiment":"neutral","sentiment_score":0.22788436710834503,"channel":1,"num_words":1,"start":930.15,"end":930.65},{"sentences":[{"text":"And the good thing too is if that gets applied to your in super policy too, that may save you an extra couple of grand in premiums and fees coming out, and that's gonna help the super grow as 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itself.","start":957.405,"end":962.98,"sentiment":"neutral","sentiment_score":0.1681727472692728}],"sentiment":"neutral","sentiment_score":0.17385389084617298,"channel":0,"num_words":30,"start":954.205,"end":962.98},{"sentences":[{"text":"Yep.","start":963.72003,"end":964.22003,"sentiment":"neutral","sentiment_score":0.12352657318115234}],"sentiment":"neutral","sentiment_score":0.12352657318115234,"channel":1,"num_words":1,"start":963.72003,"end":964.22003},{"sentences":[{"text":"And then after that, when they touch base with you on the cancellation, they're just gonna get you booked in with me just to go through that portfolio update on the super.","start":963.76,"end":972.42,"sentiment":"neutral","sentiment_score":0.14126979454886168}],"sentiment":"neutral","sentiment_score":0.14126979454886168,"channel":0,"num_words":32,"start":963.76,"end":972.42},{"sentences":[{"text":"No.","start":973.47504,"end":973.715,"sentiment":"neutral","sentiment_score":0.16945363581180573},{"text":"That's cool.","start":973.715,"end":974.455,"sentiment":"positive","sentiment_score":0.39436405897140503}],"sentiment":"neutral","sentiment_score":0.31939391791820526,"channel":1,"num_words":3,"start":973.47504,"end":974.455},{"sentences":[{"text":"Cool.","start":974.72,"end":975.22,"sentiment":"positive","sentiment_score":0.33836662769317627},{"text":"Any questions, mate?","start":975.27997,"end":976.245,"sentiment":"neutral","sentiment_score":0.17251668373743692}],"sentiment":"neutral","sentiment_score":0.21397916972637177,"channel":0,"num_words":4,"start":974.72,"end":976.245},{"sentences":[{"text":"No.","start":977.635,"end":977.955,"sentiment":"neutral","sentiment_score":0.05933695286512375},{"text":"That's it.","start":977.955,"end":978.695,"sentiment":"neutral","sentiment_score":0.16778018325567245}],"sentiment":"neutral","sentiment_score":0.13163243979215622,"channel":1,"num_words":3,"start":977.635,"end":978.695},{"sentences":[{"text":"Easy peasy.","start":979.365,"end":980.085,"sentiment":"positive","sentiment_score":0.44575077295303345},{"text":"Well, I'll jump on with the team and get that rolling.","start":980.085,"end":982.825,"sentiment":"positive","sentiment_score":0.4360984049060128},{"text":"And, yeah, just keep an ear out this week and next week.","start":983.045,"end":985.865,"sentiment":"neutral","sentiment_score":0.3301238591472308}],"sentiment":"positive","sentiment_score":0.38600281238555906,"channel":0,"num_words":25,"start":979.365,"end":985.865},{"sentences":[{"text":"Yep.","start":986.59503,"end":987.09503,"sentiment":"neutral","sentiment_score":0.15877537429332733}],"sentiment":"neutral","sentiment_score":0.15877537429332733,"channel":1,"num_words":1,"start":986.59503,"end":987.09503},{"sentences":[{"text":"Of course, Kev.","start":988.245,"end":988.805,"sentiment":"neutral","sentiment_score":0.12144958972930908},{"text":"Any last questions before I let you go?","start":988.805,"end":990.54,"sentiment":"neutral","sentiment_score":-0.030680243158712983}],"sentiment":"neutral","sentiment_score":0.010809711265293035,"channel":0,"num_words":11,"start":988.245,"end":990.54},{"sentences":[{"text":"No.","start":991.41,"end":991.65,"sentiment":"neutral","sentiment_score":-0.20001977682113647},{"text":"That's","start":991.65,"end":992.15,"sentiment":"positive","sentiment_score":0.5454473495483398}],"sentiment":"neutral","sentiment_score":0.17271378636360168,"channel":1,"num_words":2,"start":991.41,"end":992.15},{"sentences":[{"text":"Awesome, dude.","start":993.01996,"end":993.66,"sentiment":"positive","sentiment_score":0.7071791589260101},{"text":"Well,","start":993.66,"end":993.82,"sentiment":"positive","sentiment_score":0.4367792010307312}],"sentiment":"positive","sentiment_score":0.6170458396275839,"channel":0,"num_words":3,"start":993.01996,"end":993.82},{"sentences":[{"text":"it.","start":993.73,"end":994.23,"sentiment":"positive","sentiment_score":0.37271609902381897}],"sentiment":"positive","sentiment_score":0.37271609902381897,"channel":1,"num_words":1,"start":993.73,"end":994.23},{"sentences":[{"text":"I will talk to you over the fortnight.","start":993.82,"end":995.75995,"sentiment":"neutral","sentiment_score":0.31333676539361477}],"sentiment":"neutral","sentiment_score":0.31333676539361477,"channel":0,"num_words":8,"start":993.82,"end":995.75995},{"sentences":[{"text":"Alright.","start":996.52997,"end":996.85,"sentiment":"positive","sentiment_score":0.4362971782684326},{"text":"Appreciate it.","start":996.85,"end":997.83,"sentiment":"positive","sentiment_score":0.7589680552482605}],"sentiment":"positive","sentiment_score":0.6514110962549845,"channel":1,"num_words":3,"start":996.52997,"end":997.83},{"sentences":[{"text":"Thanks, mate.","start":998.13995,"end":998.69995,"sentiment":"positive","sentiment_score":0.7739823460578918},{"text":"Talk soon.","start":998.69995,"end":999.33997,"sentiment":"positive","sentiment_score":0.5031644105911255}],"sentiment":"positive","sentiment_score":0.6385733783245087,"channel":0,"num_words":4,"start":998.13995,"end":999.33997},{"sentences":[{"text":"Alright.","start":999.17,"end":999.65,"sentiment":"neutral","sentiment_score":0.23217330873012543}],"sentiment":"neutral","sentiment_score":0.23217330873012543,"channel":1,"num_words":1,"start":999.17,"end":999.65},{"sentences":[{"text":"Bye.","start":999.33997,"end":999.83997,"sentiment":"neutral","sentiment_score":0.23301416635513303}],"sentiment":"neutral","sentiment_score":0.23301416635513303,"channel":0,"num_words":1,"start":999.33997,"end":999.83997},{"sentences":[{"text":"Alright.","start":999.65,"end":999.89,"sentiment":"neutral","sentiment_score":0.25053954124450684},{"text":"Thank you.","start":999.89,"end":1000.63,"sentiment":"positive","sentiment_score":0.6904090046882629},{"text":"Bye.","start":1001.65,"end":1002.15,"sentiment":"neutral","sentiment_score":-0.11234422028064728}],"sentiment":"positive","sentiment_score":0.37975333258509636,"channel":1,"num_words":4,"start":999.65,"end":1002.15}]},"summary":{"result":"success","short":"Representatives from Microview Financial speak with Kevin about his upcoming insurance policy anniversary and discuss his employment history and coverage. They also discuss his health insurance coverage and employment and disability status. The policy is more manageable than two fifty a month and includes coverage for the heart, stroke, and cancer. The insurance premium drop is discussed and the company updates the customer's insurance premiums and fees for the policy."},"intents":{"segments":[{"text":"We're gonna go through a couple of updates, and I've got some notes on your file about some insurances coming up that you're looking to possibly cancel.","start_word":45,"end_word":71,"intents":[{"intent":"Cancel insurance policy","confidence_score":0.02012824}]},{"text":"Mate, can I just note down a couple quick things for that one?","start_word":648,"end_word":660,"intents":[{"intent":"Note down information","confidence_score":0.0028536762}]},{"text":"Can I just update quickly?","start_word":757,"end_word":761,"intents":[{"intent":"Update information","confidence_score":0.7563272}]},{"text":"that paperwork a while ago and then re signed it Awesome. Cool.","start_word":875,"end_word":886,"intents":[{"intent":"Sign paperwork","confidence_score":0.47503877}]},{"text":"So the nonsmoker's the deck, that's gonna be applied. That's almost half.","start_word":887,"end_word":898,"intents":[{"intent":"Apply for nonsmoker status","confidence_score":0.30496845}]},{"text":"And then what I can do So on the twentieth, I got a thing from Amy for the nonsmoker declaration. is perfect. So she's flicking that through to them, and then the cancellation will help as well.","start_word":905,"end_word":941,"intents":[{"intent":"Cancel service","confidence_score":0.034898795}]},{"text":"That's the most expensive one out of pocket.","start_word":1319,"end_word":1326,"intents":[{"intent":"Explain cost","confidence_score":0.0007474165}]},{"text":"That's the most expensive one out of pocket. It's about a 100 and 174 a month And that's for ibigram. currently. That's for $80. Yeah.","start_word":1319,"end_word":1343,"intents":[{"intent":"Understand cost","confidence_score":0.00034230392}]},{"text":"covering you for 400,000 if you're permanently disabled, and then you've got income protection as well. So you've pretty much got every event covered. It's just about, okay, quite a bit out of pocket for the trauma cover and then that extra chunk for the extra definition. Do you need it?","start_word":1360,"end_word":1410,"intents":[{"intent":"Explain insurance coverage","confidence_score":0.022224221}]},{"text":"That's the definition thing, which is an APSOL, and that's a trauma insurance for 80,000. So if I had a stroke, heart attack, cancer, or whatever, I get probably the 80,000, which goes towards treatment.","start_word":1537,"end_word":1571,"intents":[{"intent":"Explain treatment options","confidence_score":0.0047240998}]},{"text":"And keep that 80 for severe cancer, heart attack, stroke, whatever you get paid that lump sum of 80 k towards medical bills and shit. It's cost $60.55 a month.","start_word":1620,"end_word":1649,"intents":[{"intent":"Cut cost","confidence_score":0.00500429}]},{"text":"So for now, I'll let the nonsmokers go through and do cancellation letter up for that extra definition and Yep. then touch base with you after that. Cool.","start_word":1671,"end_word":1698,"intents":[{"intent":"Cancel complaint","confidence_score":0.8252864}]},{"text":"I'm just making a few notes for the team here. And then that's currently at the 80,000, Yep. and I'll see what that comes down to afterwards. While Yeah.","start_word":1825,"end_word":1853,"intents":[{"intent":"Make notes","confidence_score":0.043810353}]},{"text":"But to be honest, I thought you'd be more aggressive than than just EFPs. I thought you'd actually be, like, I don't know, more on, say, certain Australian businesses or sectors or I don't know. Oh, yeah.","start_word":2137,"end_word":2173,"intents":[{"intent":"Define strategy","confidence_score":0.0004883457}]},{"text":"But regardless, I'm still updating a few of those options as well, and I've gotta get you the specifics on the insurance premiums drop down. Yeah.","start_word":2422,"end_word":2447,"intents":[{"intent":"Update insurance options","confidence_score":0.109334245}]}]},"sentiments":{"segments":[{"text":"Hello? Hey, Kevin. Tommy here from Microview Financial. How are you doing?","start_word":0,"end_word":11,"sentiment":"neutral","sentiment_score":0.11068998277187347},{"text":"Good. Yourself. I had good afternoon.","start_word":12,"end_word":17,"sentiment":"positive","sentiment_score":0.3769303560256958},{"text":"And then Yes. I was Same thing. Just dropped straight out after two seconds. Do apologize for Oh, good. that. Mate, I'm just giving you a buzz. We're gonna go through a couple of updates, and I've got some notes on your file about some insurances coming up that you're looking to possibly cancel. Are you okay if Yep. I just run through the security process with Yep. you? Awesome. You're okay for the calls to be recorded for training and quality purposes? Yep. Awesome. And just for the security of your account, can I please confirm your date of birth address, please, 09/01/1932. Hundred 58 Main Cross Road, Tilly. sir?","start_word":18,"end_word":128,"sentiment":"neutral","sentiment_score":0.02852465771138668},{"text":"Fantastic. Thank you so much for that, Kev.","start_word":129,"end_word":136,"sentiment":"positive","sentiment_score":0.5123260617256165},{"text":"First thing I wanted to jump into was just around your policy anniversary coming up because there was a note on file that you're thinking of maybe canceling the out of pocket trauma cover that's coming due in about three weeks' time. Yep. Yeah. So that that money that comes out of our pocket from a and zed. Yeah. I wanna cancel that because I've just swapped jobs, and, obviously, our bills are the same as my income now. So Yeah. I need Gotcha. to cut that back. Absolutely. And based on the anniversary that's coming up, the out of pocket portion's coming out almost $3 in three weeks' time. So I'm Adapocritus. just Sorry. Sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I moving. Monthly. Monthly. I've got some policy. I'm looking at towel here. Is that the one you're talking Yes. about? Tow or handset? So so but it comes out of my own set account. Oh, it comes So out I think of your Anzet bank account. yeah. So There we go. 2 Okay. 55 a month, $3 Yeah. 25541 a on the sixteenth of year. February. Yeah. So I was hoping to cut that back. That's 255 a month. Yeah. Absolutely. So let me get a little bit of a split down for you. So that out of pocket portion, that's got your your trauma insurance, which is your heart attack, stroke, and cancer. That's got you insured for $80,000, and that one is 175 a month of that $2.55. Mhmm. The other 80 a month, that's for the own No. questions just Mhmm. so I can help you out with it? With the own occupation definition that you've got, so the whole point behind that is that it's much broader to claim on than the one that's through the super definition. It's just an extra coverage saying if you can't work specifically your occupation, then you get paid rather than, oh, you can't work any occupation that you're suited to. So what I wanted to check with you was you said the you've just had a change in the employment. Is that right? Yeah. Well, employers. Yes. I'm now doing two and two for Underground. Tell me. So that's Instead of underground. doing one roster, I'm doing two and two roster. Okay. So I've dropped about $70 a year. But then as Alright. my experience goes up, so I've taken a six month hit to hopefully gain some of that back. Six months' time, but working less. Cool. Okay. So two on one off or It's what the two I and was two? working. Now I'm Yeah. too on too off.","start_word":137,"end_word":643,"sentiment":"neutral","sentiment_score":-0.03388381613826258},{"text":"Two would do fantastic.","start_word":644,"end_word":647,"sentiment":"positive","sentiment_score":0.7899689078330994},{"text":"Mate, can I just note down a couple quick things for that one? Who's the so you said it's underground instead of Yep. above ground? Yep. And is that still, like, diesel mechanic? Days of Fitter, they call it. Diesel fitter. Who's the employer that you've switched to? So I'm I'm sure Noble, but working for Bomingo. And then Okay. after my six month trial, if Bomingo take me on board, I just step across to Bomingo. Step across. And that was from Noble. Yep. It's a sort of agency. Because it was Yep. It the CSI before that, wasn't it? Crushing Services was. International. Yeah. It was. Alright. Can I just update quickly? Income wise, I Mhmm. think we had you on about 02:10, and you said it's dropped about, what, fourteen? Well, I get seventy two and I have 12 rad eyes at four and a swing bed and swing the year. 157. February. 157 there.","start_word":648,"end_word":805,"sentiment":"neutral","sentiment_score":0.014292383566498756},{"text":"Perfect.","start_word":806,"end_word":806,"sentiment":"positive","sentiment_score":0.5048646926879883},{"text":"And one of the things too that I had you on file for was a six month check to see if you were still nonsmoker status, which would have really dropped the premiums down pretty well. I'm assuming you'd be twelve months clear now. Or Yes. I've I've signed that the other day. That's why I was I rang them to do all that, anyway.","start_word":807,"end_word":871,"sentiment":"neutral","sentiment_score":0.07766378670930862},{"text":"I signed Awesome.","start_word":872,"end_word":874,"sentiment":"positive","sentiment_score":0.3641497790813446},{"text":"that paperwork a while ago and then re signed it Awesome.","start_word":875,"end_word":885,"sentiment":"neutral","sentiment_score":0.3148871958255768},{"text":"Cool.","start_word":886,"end_word":886,"sentiment":"positive","sentiment_score":0.4088125824928284},{"text":"So the nonsmoker's the deck, that's gonna be applied. That's almost half. other That's pretty good. day. Alright. And then what I can do So on the twentieth, I got a thing from Amy for the nonsmoker declaration.","start_word":887,"end_word":924,"sentiment":"neutral","sentiment_score":0.1470072865486145},{"text":"is perfect.","start_word":925,"end_word":926,"sentiment":"positive","sentiment_score":0.4733729064464569},{"text":"So she's flicking that through to them, and then the cancellation will help as well. Do you want me to cancel just the entire out of pocket? I'd like well, so, yeah, I'd like to decide that. But then is is there a way we can maybe shorten it or have it or I don't know. Well, once the the nonsmoker's deck is processed, that'll chop. So instead of $2.55 a month, that'll drop it down to, say, $1.50. Then if you chop off the trauma side of things, you'd probably be left with around about 50 a month to keep that disability definition. What do you think? Is that disability definition really worthwhile?","start_word":927,"end_word":1040,"sentiment":"neutral","sentiment_score":-0.025738779259355443},{"text":"I probably don't think it fits you at the moment because it was based on what were you doing in 2016?","start_word":1041,"end_word":1061,"sentiment":"negative","sentiment_score":-0.370933473110199},{"text":"Really random question, but this is when that policy first got put in force. '26 then. So has your truck driver before the days of mechanics for IOR, but I was wondering back in 2016, so I think ten year ago. I'm just trying to think which site I would have been at ten years ago. 2036, I would have been I would have been working in the mines in the territory as a serviceman. That's right. It was a bit more lighter manual back then in terms Yeah. So of I duties. was spending a fair some more refueling equipment and basic servicing. Okay. So at that point then, if they've got you insured as an own occupation for that specific occupation because you've switched a few times, it may not even be worth kind of keeping that definition because you'd pretty much be paid out under the current definition anyway under the any occupation that you've got. In most circumstances, like, it's very, very small circumstances where it wouldn't pay out. Yep. Yep. So, look, the real question is, do you wanna keep the, like, the trauma insurance? Because you've got let's say you've got your life, your disability, pass away, you can never work again.","start_word":1062,"end_word":1269,"sentiment":"neutral","sentiment_score":-0.14578776061534882},{"text":"Trauma is that one that's just like a lump sum if you have a diagnosis. So cancer, heart attack, stroke. It's like a serious event.","start_word":1270,"end_word":1294,"sentiment":"negative","sentiment_score":-0.40568459033966064},{"text":"You may not be fully disabled or pass away, but it's, like, Yep.","start_word":1295,"end_word":1307,"sentiment":"neutral","sentiment_score":-0.3304384648799896},{"text":"serious enough that you may need a bit of medical bills. That's the most expensive one out of pocket.","start_word":1308,"end_word":1326,"sentiment":"negative","sentiment_score":-0.5380303263664246},{"text":"It's about a 100 and 174 a month And that's for ibigram. currently. That's for $80. Yeah. Yeah. Whereas your your TBD, because you've still got that portion inside super. Right? That's Yep. covering you for 400,000 if you're permanently disabled, and then you've got income protection as well. So you've pretty much got every event covered. It's just about, okay, quite a bit out of pocket for the trauma cover and then that extra chunk for the extra definition. Do you need it? Yeah. Yeah. Well, I think I think I'll be happy to get rid of that extra definition. I think the trauma coming maybe half it, four weeks high or something. K. So let's have And a then quick with this nonsmoker k. sort of thing kicks in, maybe that's still reasonable or manageable So for me. let me do a quick calc. So let's say we chop off that extra definition and the nonsmokers goes through. So let's say based on the 80,000, it'd be sitting at around 90 a month from $2.55. How's that looking? Would you wanna drop it to, like, $50 flat, or do you reckon keep it at 79? One sec. The $2.50 star that comes as of what the each month. That's the definition thing, which is an APSOL, and that's a trauma insurance for 80,000. So if I had a stroke, heart attack, cancer, or whatever, I get probably the 80,000, which goes towards treatment. This how much did you say value with this ID with the non smart home? So that would probably chop down to 90 a month from the full $2.55. You chop off the definition and nonsmokers rates, you're looking at around Yeah. about 90, give or take.","start_word":1327,"end_word":1618,"sentiment":"neutral","sentiment_score":-0.01722787320613861},{"text":"And keep that 80 for severe cancer, heart attack, stroke, whatever you get paid that lump sum of 80 k towards medical bills and shit.","start_word":1619,"end_word":1643,"sentiment":"negative","sentiment_score":-0.3723081350326538},{"text":"It's cost $60.55 a month. At the moment, it'll cost 90 if we get rid of other stuff. You have with that? Yes. I'm after that. Yeah. So for now, I'll let the nonsmokers go through and do cancellation letter up for that extra definition and Yep. then touch base with you after that. Cool. Yep. K.","start_word":1644,"end_word":1700,"sentiment":"neutral","sentiment_score":-0.06231352686882019},{"text":"Oh, pretty good.","start_word":1701,"end_word":1703,"sentiment":"positive","sentiment_score":0.39083167910575867},{"text":"Alright. So I'm It'd just be gonna it'd note be my this luck down. I'll cancel a complaint then. I have a auto tech next week. Yeah. Look. If you can keep it for a little while, that's probably advisable. It's one of those ones that tends to be one of the most claimed on because of stuff like that. Yeah. But, again, we can always like, it doesn't mean, again, it's locked in because it'll go up a bit next year. Do we trim it down a little bit? Like, we can keep an eye on it. They're 90 So a month more manageable than two fifty at the moment. yep. So I'll go on smokers rates for the policy. I'm just making a few notes for the team here. And then that's currently at the 80,000, Yep. and I'll see what that comes down to afterwards. While Yeah. I've got you, 5,000 a month of income protection through the super. I'm just gonna quickly check that. Cool. So based on your income, you're still protecting you're still getting $5 a month for income protection through super. Yep. So it's not too much. Like, you know, I was worried it was protecting income of 200,000, but that's chopped down. So that's okay. And then you're left with 400 Yep. thousand of life and disability, which that covers the mortgage plus another couple of 100,000 left over and then the super on top of that. Yep. How's that sound so far? No.","start_word":1704,"end_word":1955,"sentiment":"neutral","sentiment_score":0.032672539042929806},{"text":"It's good. I'm happy that drops up from $2.","start_word":1956,"end_word":1964,"sentiment":"positive","sentiment_score":0.4404144287109375},{"text":"55 to 90 anyway. Yep. Again, that's just an approximate. I'll get you the actual specific one Yep. just so I can give you a bump steer, but it's it's around about half the smokers. Right? And the only thing other thing that I'm doing as well, Kev, while I've got you, is Teams putting Yep. together that investment switch update for your super to get Mhmm. rid of that that Benelon option that's been sort of underperforming that we spoke about. So I'm gonna kind of put all of this in the underperforming that we spoke about. So I'm gonna kind of put all of this in the one document to see you've kind of got it on paper, and then you can kinda see, oh, this is the updated plan. Yep. Well, sir, I've just I've started getting into shares both for myself. Yeah. Yeah. And and I see this this is running like EFPs. And, again, up to six months ago, I didn't even know what any of that meant. But to be honest, I thought you'd be more aggressive than than just EFPs. I thought you'd actually be, like, I don't know, more on, say, certain Australian businesses or sectors or I don't know. Oh, yeah. I mean, we're definitely not in the habit of borrowing money on your super yet. Leveraging up and borrowing is probably the most aggressive you can do. Outside of, like, the main ETFs, there's a few sectors there. The gold, the cyber security, battery tech and lithium, which is really gone gangbusters for yours, but No. we don't go too crazy with too many satellites. Like, let's say you've got three main options. Having five satellites floating around that they're a little bit more aggressive is good, but we probably don't go a little bit more crazy than that. Again, whole idea, I guess, on the super side is get you an extra couple of percent a year, steady growth for a decade or two, and that gives you the extra couple of $100. No. Probably not gonna be day trading your super, if that makes sense. Yeah. No. I was I was I understand that. It would cost a lot more, but, yeah, I thought anyway, that's all. They're still performing But a lot better than the last fund anyway. Yeah. I mean, even despite what's been going on recently, last check I did, when I spoke to you last, it was sitting at a 183,000, jumped up to $2.17, and it's dropped down to $2.15 recently just with a bit of a fluctuation. So still pretty going pretty good long term. But, again, you're probably gonna see it pretty volatile for the next six months. Yep. But regardless, I'm still updating a few of those options as well, and I've gotta get you the specifics on the insurance premiums drop down. Yeah.","start_word":1964,"end_word":2447,"sentiment":"neutral","sentiment_score":0.022758214356385417},{"text":"And the good thing too is if that gets applied to your in super policy too, that may save you an extra couple of grand in premiums and fees coming out, and that's gonna help the super grow as well. Yeah. Nice. Cool.","start_word":2448,"end_word":2490,"sentiment":"positive","sentiment_score":0.5303172469139099},{"text":"So a few little things to do. Basically, I'll follow-up with that nonsmoker's rate gets applied straight away. With Yep. the cancellation letter, we'll have it to you this week. And just keep an eye out for the team just to give you a buzz for the cancellation letter itself. Yep. And then after that, when they touch base with you on the cancellation, they're just gonna get you booked in with me just to go through that portfolio update on the super. No.","start_word":2491,"end_word":2574,"sentiment":"neutral","sentiment_score":0.16760852932929993},{"text":"That's cool. Cool.","start_word":2575,"end_word":2577,"sentiment":"positive","sentiment_score":0.38129010796546936},{"text":"Any questions, mate? No. That's it.","start_word":2578,"end_word":2583,"sentiment":"neutral","sentiment_score":0.15330365300178528},{"text":"Easy peasy. Well, I'll jump on with the team and get that rolling.","start_word":2584,"end_word":2596,"sentiment":"positive","sentiment_score":0.42764216661453247},{"text":"And, yeah, just keep an ear out this week and next week. Yep. Of course, Kev. Any last questions before I let you go? No.","start_word":2597,"end_word":2621,"sentiment":"neutral","sentiment_score":0.14409331679344178},{"text":"That's Awesome, dude. Well, it.","start_word":2622,"end_word":2626,"sentiment":"positive","sentiment_score":0.5672973990440369},{"text":"I will talk to you over the fortnight.","start_word":2627,"end_word":2634,"sentiment":"neutral","sentiment_score":0.3086508512496948},{"text":"Alright. Appreciate it. Thanks, mate. Talk soon.","start_word":2635,"end_word":2641,"sentiment":"positive","sentiment_score":0.6531009674072266},{"text":"Alright. Bye. Alright.","start_word":2642,"end_word":2644,"sentiment":"neutral","sentiment_score":0.23857565224170685},{"text":"Thank you. Bye.","start_word":2645,"end_word":2647,"sentiment":"positive","sentiment_score":0.5248889327049255}],"average":{"sentiment":"neutral","sentiment_score":0.009094139525127895}}}}