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And apologies I'm calling a couple of minutes late. Some IT problems, you know, in the morning, first thing on Tuesday. Thank you. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And I do have a password on file for security. Do you know what that might be? Busy. Yeah. That's it. And how's your morning been? Been busy? Yeah. I can imagine. Well, I will try not to keep you for too long this morning. But before I do kind of jump in through the annual review, I do like to start by asking if there is anything specific you would like me to focus on today or if you have any particular questions or just a bit of a catch up and see what's happened in the last twelve months. Yep. Yes. Sounds good. Yeah. Perfect. Now what I will do first is just to run through a bit of an updated fact find with you just to see if there's anything major that has changed in your life, if we need to make any changes to your advice. So just kind of bear with me as I go through this question. Now has your address changed at all, or you're still not perfect? Now personal information, I have you down here as single with one financial dependent. That's correct? Perfect. And I have Renee, your sister nominated as next of kin. That's also still the case? Perfect. And her phone number hasn't changed. Still ends with 688. Yeah. Perfect. Now employment wise, has any of that changed or still working at the no. Perfect. You must like it, though. Yeah. Yeah. Yes. Yeah. No. Doesn't get boring. I'm still working back to twenty three hours part time. Yes. Correct. Yep. Perfect. I have income at about 95,000. Mhmm. Oh, nice. Yep. Perfect. Mhmm. Mhmm. Oh, yeah. Okay. Does it have a fortnightly, weekly, anything? Monthly? Yeah. Yeah. Perfect. Yep. Okay. Perfect. Now that's good. And they did anything change with the pay rise agreement, or is it still that 12% employee contribution interest super? Was there any additional benefit? Do you know? Mhmm. And so, yes, definitely. It is a great way to boost your superannuation, but also reduce your taxable income a little bit because contributions going into super is taxed concessionally at 15%. And, obviously, your marginal tax rate is is higher than that for you. So it is a great way to do it, and, also, obviously, everything compounds into superannuation. The the downside of what you'll be mindful of is, well, it is locked in until you meet a condition of release. So often, let's say, ten sixty and retire. So it would have to be, obviously, that you're comfortable forgoing some of your pay and knowing that it will be locked in until at least 60. Mhmm. That's yes. And you yeah. Because usually the best way to do it as well is like, okay. Well, how much are you currently saving in, like, a week, a month, or fortnightly? Do you know? Yeah. That's right. Yeah. Yes. The end of the financial day? Yep. We could regularly. Yeah. So we we can do that as well. So if you don't wanna do it weekly, some people do it as a as a lump sum. Often, you have, like, self employed people and stuff like that doing it, or you just don't know where your cash flow and everything's at. And before the end of the financial, if you have saved anything up, you can do it as a bit of a lump sum. If you do wanted to do it as a lump sum, just give me a call and let me know how much you were thinking of just so that I can run the numbers for you. Because there is as well, if you wanted to do it, like, pretax or similar function or salary sacrifice, there is a concessional cap of 30,000 each financial year. So if okay. Perfect. That's good because okay. Okay. Okay. Perfect. Just because you never know. Sometimes people like, oh, yeah. Like, I've, you know, had a bonus or I've, you know, saved so much, and I wanna put heaps in and, like, that's great. Just let me do the math. If it's a couple of grand because if if we just like, obviously, income has increased a little bit, so you will be a little bit more. But based on the 95,000, your employer will put in about 11,400 if they pay that standard 12%. So you still have Perfect. So pretty similar. Yeah. Oh, that's that's good. So you do have plenty of space. If it is that you wanna put it in, like, let's say, from your bank account, so after tax you wanna put it in and if you would like to change it to pretax, just let us know because we can do all of that for you. Just I would say because with, Hub twenty four and everything like that, you don't wanna leave it too close to the end of the financial year because they get really busy. So even do it, like, a couple of weeks out. If you do a contribution, just let me know, and then I'll let the team know, and we can change it for you to give you that little tax back if if that's what you are wanting to do. So, yeah, just just keep it in mind and let me know if you decide to do it that way. Yep. Perfect. Otherwise, when it comes to assets and liabilities, I have here your main property was last five at about 08:30. Is that still the case? Would you know if that got went up a little bit? Yeah. Do you know roughly? Oh, perfect. Yep. And you don't have a mortgage attached to that one, do you? Nope. Beautiful. Do you also have their motor vehicle valued at about 45,000? Mhmm. Yes. Unfortunately, it appreciates. No. That's okay. No. That's okay. 30 $7.03. Perfect. And do you have anything going on the motor vehicle? 17. Perfect. That's nice. It was about 32 last time we spoke. So that's a nice chunk of, so good job. I also have here savings at about 25. About 20. Yep. And I also have a personal loan about 7 and a half. Oh, beautiful. And credit card about 5,000. Okay. I'll just update that. It's just kinda, like, for points and stuff sometimes or emergency. Yeah. Okay. Perfect. No. I'll just remove that then if you don't have anything owing on it. Yep. Yep. Yeah. Perfect. Now health and lifestyle, why so have you down here as a nonsmoker? Is that still the case? Perfect. And have you had any changes to your health at all in the last twelve months? Mhmm. Yeah. Oh, that's good. Has it gotten better for you? Has that arthritis kind of yeah. Yes. Yes. Yes. Yeah. Oh, that's beautiful. That's great. And when did you stop clicking that? Oh, beautiful. Oh, that's great news. Yeah. And you're still feeling like, okay. Obviously, in stopping it? Yeah. Oh, great. Any other changes to your health otherwise? Nope. Perfect. And do you have private health insurance? Yes. Perfect. Now when it comes to estate planning, I have here that last time we spoke to you, you were kind of looking at getting your will sorted through work if you got some discounts potentially. Mhmm. No. That's okay. And do you have anyone who makes any financial decisions on your behalf or earn an income overseas at all? No. Perfect. And are you politically exposed at all, directly involved in politics? No. Perfect. And when it comes to beneficiaries, so in the event that something were to happen to you, I have your your son, Kai, nominated. Yep. That's still correct. Perfect. And the other thing is just kind of, I guess, goals. So stuff that you're working towards and that you are wanting to achieve. Now last time we spoke to you, your main focus was to kind of pay down the personal loan, which you've done very well in. Yes. Potentially, look at some salary sacrificing and then maybe do some house renovation. Are you still wanting to do a bit of house renovation, or did you end up doing Yep. Yep. There's some renovation? Yeah. Beautiful. And is there Yes. Mhmm. Yeah. Yes. And sometimes interest rate's a bit lower on on that than other things. Yeah. Oh, nice. Yep. Yep. Yeah. Yeah. And, usually, that is what we see as well from obviously, it depends on what the interest rate and stuff like that are. But, usually, your your mortgage would be lower than, like, a car. So it's definitely a really good idea to be looking at. Now I know you mentioned your bank. Do you have a mortgage broker or a lender or anything otherwise that looks up more options for you, or are you very happy with your bank? Mhmm. Yep. Yep. Like a lender or anything? Yeah. Going down. Yeah. And and a lot of people are the same as well where it's like you've got two banks because you you trust them and you've been dealing with them. And sometimes, like, it it's easier that way. It's usually not a bad idea to look at a lender of broker as well because they have usually, they have so many different options. So they can look at it. They can compare rates across. And a lot of them obviously still factor in all the big banks as well. So they can pull rates across all the banks and then give you, like, a proposal of well, based on your situation, this bank offers this rate or this bank offers this rate. And true. So I would and it doesn't cost anything to get a a review. So if you want, it's up to you. If you have some friends that have a really good broker, it's always good to assess. But if not, we work very closely with a couple as well. So if you want me to, I can always pass on your contact details to them and get them to give you a call to see what rates and stuff they would be able to get for you. Is that something you would be interested in, or do you do you have some friends that you'd try to go to? Mhmm. Yes. Yes. Yes. Yeah. Then compare. Yes. And that's a good idea as well. And definitely shop around because sometimes you can get pretty good rates. But sometimes, yeah, if if your bank, they they might be good as well. So definitely have a look at a couple of options because, yeah, you can usually get pretty good ones, but that's good. That's a good idea to to have a look at, especially if you're wanting to do some renovations and with the car loan and even with the personal loan potentially. Like, I know it's almost done, but sometimes reducing everything and just have it into the one, if you can get cheaper rates, that will save you. Yeah. Yeah. Yeah. Yeah. Yeah. And that's a good idea. So, yeah, good that to have a look at that. Let me know how you go. If you do need any suggestions or if you are stuck on what to do, just give me a call with them in email, and we can always have a look at that for you. But that's that's a great idea. Anything else or that's if if you're seeing things to work on? Yeah. Perfect. And, otherwise, when it comes to superannuation, I have here that, ideally, you would love to retire at 60 and draw a weekly income of about $1,000 per week from super. Is that still the case? Yep. Perfect. And I guess in terms of superannuation goals, otherwise, I have here that your your focus is to make sure everything is set up correctly, that it is moving in the right direction, and, yeah, just making sure you are kind of growing it as much as you can. Yeah. That's still all kind of the the same? Yeah. Perfect. Now the next thing I quickly run over here with you, it's just a bit of an updated risk profile questionnaire. Just multiple choice to make it nice and easy, and that is just to see if we need to make any changes to your risk profile. If it doesn't make sense, just let me know. Now have you ever bought direct shares on the stock market yourself? Nope. Perfect. Next is in regards to how much risk you are willing to take for your superannuation. Obviously, being a bit long term, would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation? Middle? Sorry. About moderate or high? No. Moderate. Yep. Perfect. And when it comes to volatility, so if after six months of placing an investment, you found out that your portfolio has decreased in value by 20% due to 20 to zero due to general trends in the market. So not like one particular investment that's gone bad, just kind of the market as a whole. Would you say that you if you had the option to do so, would think that now is a good time to put a little bit more in while the prices are down? Would you just kind of hold and wait to see what happens first, or would you want to sell out and move through a bit more of a secure asset? So that means you're other than selling when the prices have Yes. Yeah. What we say. Yeah. And it it is it is tricky because this just gives me it gives us an understanding of how your behavior would react in a situation. Yeah. Obviously, we factor in Yeah. Yep. Just hold. Yeah. Yeah. And I completely understand that sometimes it is tricky because it's like, well, we are here to obviously help and guide you in the right direction and also factoring, you know, time frames and stuff like that. So there's a lot more that goes through it. This is kind of one component. And and like I said, it's more so just in regards to your behavior. Because I can have clients who is, like, 20 who says, oh, yeah. I got, you know, forty years for retirement. But if super fluctuate a little bit, they are get super, super, super nervous about it, then I'm not gonna put you in a high risk even though you have time for it if you feel really uncomfortable. But then on the flip side, I could have a six year old who is planning on retiring in five years to go, no. I'm completely comfortable with that. So yeah. So so there is obviously typical trends we see with, obviously, where you are, but behavior is one aspect. So that's why these these questions, I know it is tricky, and often it's also, well, it's like, well, what type of investment? If it's a great investment that you understand, then perfect. If it's a bit more speculative, then. Yes. A little bit of both. Yeah. No. And that and that makes sense. And the no. No. And we we have you kind of in a good middle range at the moment, so I'll kind of go through that as well. But the last question here is just in regards to borrowing money. So would you ever consider taking out a loan to buy an investment property or just kind of against your own property? Mhmm. Yep. No. Okay. Perfect. And, basically, overall, this tells me here that you have come out as a growth investor, which is the portfolio we currently have you invested, which is kind of in the middle where you are focusing on growing your superannuation as much as possible while you do have plenty of time until retirement. You know, there will be some level of fluctuations in order to try to grow that for you. But you also want, you know, a little bit of that defensive as well to limit fluctuation. So on this scale, just so you know as well, we have your aggressive plus, which is your kind of super risky where you're borrowing money against things, and then you have aggressive, high growth growth, which is where you are at the moment. And then we have your balance growth and balance. And we often see, obviously, the the closer you move to retirement and have less time, we then gradually typically start reducing that. So you are in a good time frame. Like, you're in a good kind of middle position, still growing. And time frame wise, we're looking at about minimum, we'd like to say six years on retirement, making sure you have enough time in the market. So from from all of that, it is a suitable portfolio as long as you're still comfortable to remain as a growth investor. Yep. Great. Perfect. Now the last thing here is just to give you a bit of an update on your portfolio and everything. So do you have access to your emails at the moment, Lauren? Perfect. So I have just sent you an email with some documents to go through. If you could access that for me, that would be great. And it probably looks a bit different to what you were used to because we have changed our software. So yeah. So there should say a link, sign documents before you click on that. At the bottom of the email, can you see a couple of attachments? Yes. Okay. Perfect. So what you should be able to see first is one where it says OQ services guide and then an OQ financial services guide. I will let you had a read over these in your own time. You would have seen this one before. Every time is one of those compliance documents. Not much has changed in terms of important information. It's all in there for you. We've had a bit of a revamp to marketing. So when you do have a look at it, you'll see a couple of new photos and marketing, and we've also had a bit of an extension to the team. So when you have a moment, you wanna have a look through them, that's all in there. And if you do have a look at it, you will also see my face there if you do wanna put a, you know, a face to the voice. Perfect. Now do you also have one where it says super and insurance summary? Yeah. Perfect. If you could open that one for me. So you have your super with hub 24, and you do have a $371,155 in them. Now you also have some insurances with Neos. So you have your life and total permanent disability insurance, and that is 330,750. Are you still comfortable and happy with that level of cover if something were to happen? Yeah. Yeah. And, obviously, because you don't really have any debts or whatever little you have left will be easily paid off with this. Plus, obviously, that covers, you know, if anything ever were to happen in your car park, it will then obviously give you a bit of income replacement if something were to happen, and then plus the the super balance as well. Or if something were to happen to you, that will then go to your fund as well. So you also have your income protection. Now the income protection will pay a monthly amount of 5,878 with a thirty day waiting period and a five year benefit period. All of those are paid from superannuation. You do get a tax rebate. So after that, it's about 3,310 for all those three. You still happy with the income protection as well? Yep. Perfect. Now if you can then open the next one, which should see actually, do you have a NEO certificate of currency next? Yeah. Yeah. And this one here, it's just breaking down your insurances in a bit more detail. But it basically just lets you know that everything is paid and up to date for you. And the next one is your twelve month performance report. If you can open that one for me. Just let me know when that one's loaded for you. Yep. Perfect. Now this one can look a little bit messy sometimes, but it it does break down all of your investments. So you can see all of your investments, how how they have performed, and what's happened in the last twelve months. Now on the second page, you should see where it says total portfolio. Now that one here tells us that in the last twelve months now, we have seen quite a bit of fluctuations in the market in the last twelve months. First, you obviously had everything in The US and Trump and everything, and more recently, obviously, the war. So we have seen quite a bit of fluctuation in the last twelve months. Despite that, though, your portfolio overall has held up really well. So in the last twelve months, after all fees have come out of your account, your portfolio has still gone up by 10.51%, which we're really happy with. Now with your portfolio as well, if you scroll up to that first page again for me where it says all the different investments, if you look at the second column to the right versus internal rate of return, that breaks down the investment return on each of your investment. So you can see here that the one that has brackets next to it or behind it, they are down. The others are all positive. So when we do design your portfolio as well is you wanna make sure we focus on a lot of diversification. So if there are times in the market with one thing is doing really well, like you can see here, your Global X battery tech and lithium has gone up a 109%, which is crazy, which also is obviously everything with fuel prices, and that one focuses on, obviously, the the batteries and lithium that goes in through electric vehicles and stuff. So that one has gone through the roof. So they're kind of designed to balance itself up. So in the event that some areas are doing really well, it then kind of complements other areas. So, overall, it balance your portfolio. But with that, though, we have done a lot of research on the investments because things are always changing. So we wanna make sure that at all points in time, we have you in the best investment possible. And if we do a lot of research on an investment and we foresee that it's kind of underperforming a little bit and we don't foresee it coming back around as much, then we wanna look at swapping things out for you. So on the top one here where you see you've been along Australian equities, I would like to do a bit more research on looking at swapping this one out for you. So the investment committee, that's the at the top one, all the way to the top where you manage fund. Yes. Yep. That one has underperformed a little bit recently. So the reason that was added to your portfolio was because they were the one of the best performing fund managers, and they were doing really, really well. More recently, they have underperformed a little bit and been a little bit slower in making their decision. And after doing quite a bit of research, we feel like there are better options out there that's going to put you in a better position. So if you are happy for me to do so, I would like to do a bit more research and put together a proposal of looking at swapping this one for you for a better alternative option. Are you happy for me to do that? Yeah. Perfect. Now it will take me about a week or so to put it all together because I wanna make sure I also factor in that if I'm obviously selling some investments for others, I wanna minimize any tax potential that would be there. And then it'll also give you an overview of, you know, the fees changes and performance and stuff like that so you can also see it. But it's also a good kind of check-in to see, well, okay, a bit of an updated projection of where things are tracking right now, and that might help you as well when you do decide if you wanna put a little bit more in or not the way things are kind of on track. So when is a good time for you to kind of go through that with me? Yes. So do you have any time next week? Yes. Yep. Okay. Let me do you prefer mornings or afternoons, typically? Doesn't matter? Okay. Alright. Let me have a look. Yeah. Okay. Perfect. So I could either do Thursday, the fourteenth, and I can do at 10AM. Okay. No. Let's not do that. Otherwise, I can do Thursday the fourteenth again at 2PM, or I could do Tuesday the twelfth at 04:30. 04:30? Okay. Perfect. So this Tuesday the twelfth at 04:30. Now if anything does change and you can't make it or work or anything like that, just let me know, and I'll see if I can shuffle a few things around for you. Otherwise, do you want a reminder text sent, like, two hours before the appointment just as a little Yeah. Beautiful. That's all locked in on next Tuesday at 04:30. Now the last thing with those documents there, Lauren, it's just then if you are happy to do so, it's through click process sign now, and it will ask you to sign through document. Now yep. Now just so you know as well what it is to sign is that the first one is an ongoing service agreement. Now that one here, just the usual, just to say that you are happy to remain and stay on as a client, There is no changes whatsoever in regards to the fee structure. So that stays exactly the same at 1.65 from super. No changes in regards to that, and it is not a locked contract. So if at any point in time you are not happy, there is no lock in contract. So this lets us service you in the meantime and keep everything rolling for you. And then the last one is a compliance form. It is a tax file number form. And that's just to say that we are keeping your tax file number secure and safe on file, essentially. Yes. Yes, please. Yep. And then once you've added the signature, it should see say validate, I believe. Yes. I can I can actually see it's already come through, which is great? Now there is so that you can click and download the documents if you ever wanna go and have a look at them. You don't have to. I always have a copy on file as well. So if at any point in time you want access to them, just let me know, and I can always get them emailed to you as well. Otherwise, I do have you booked in next Tuesday to go through the little research on your super investment. But do you have any other questions or need anything else from me before I let you go? And enjoy the rest of your day, otherwise, Laura. Mhmm. From the balance. Yep. Perfect. So when we started so on the in the report, so on the 05/02/2025, your super balance was at 326,000 541. So 326541. Yep. And now it's at $372.05 5. Yep. And let's see here. And I'm just in your account right now, and it's gone up a little bit more, which is great. Sorry. It's at three hundred and seventy three at $5.17 as of today. Yes. Correct. Yeah. Because this document was prepared on the May 1. Yeah. Yep. Perfect. Did that answer those questions for you? Yeah. Yeah. No problem. Yes. And let me know how you go with the bank and stuff like that. Of course. Yeah. Perfect. And let me know if you do want, like, I'll yeah. Exactly to give you a call as well. So, yeah, let me know how you go with everything, and I'll let you go and enjoy the rest of your afternoon. But if there's anything that you need or any other questions between now and Tuesday next week, you can always just give me a call or send me an email as well. No problem at all. It was lovely speaking with you, and I look forward to speaking with you next Tuesday. Thanks. 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morning. This is Veronica from Financial. How are you? That's good. I had you booked in to go over your annual review.\n\nIs now still a good time for you? Yeah. Perfect. And apologies I'm calling a couple of minutes late. Some IT problems, you know, in the morning, first thing on Tuesday.\n\nThank you. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And I do have a password on file for security. Do you know what that might be?\n\nBusy. Yeah. That's it. And how's your morning been? Been busy?\n\nYeah. I can imagine. Well, I will try not to keep you for too long this morning. But before I do kind of jump in through the annual review, I do like to start by asking if there is anything specific you would like me to focus on today or if you have any particular questions or just a bit of a catch up and see what's happened in the last twelve months. Yep.\n\nYes. Sounds good. Yeah. Perfect. Now what I will do first is just to run through a bit of an updated fact find with you just to see if there's anything major that has changed in your life, if we need to make any changes to your advice.\n\nSo just kind of bear with me as I go through this question. Now has your address changed at all, or you're still not perfect? Now personal information, I have you down here as single with one financial dependent. That's correct? Perfect.\n\nAnd I have Renee, your sister nominated as next of kin. That's also still the case? Perfect. And her phone number hasn't changed. Still ends with 688.\n\nYeah. Perfect. Now employment wise, has any of that changed or still working at the no. Perfect. You must like it, though.\n\nYeah. Yeah. Yes. Yeah. No.\n\nDoesn't get boring. I'm still working back to twenty three hours part time. Yes. Correct. Yep.\n\nPerfect. I have income at about 95,000. Mhmm. Oh, nice. Yep.\n\nPerfect. Mhmm. Mhmm. Oh, yeah. Okay.\n\nDoes it have a fortnightly, weekly, anything? Monthly? Yeah. Yeah. Perfect.\n\nYep. Okay. Perfect. Now that's good. And they did anything change with the pay rise agreement, or is it still that 12% employee contribution interest super?\n\nWas there any additional benefit? Do you know? Mhmm. And so, yes, definitely. It is a great way to boost your superannuation, but also reduce your taxable income a little bit because contributions going into super is taxed concessionally at 15%.\n\nAnd, obviously, your marginal tax rate is is higher than that for you. So it is a great way to do it, and, also, obviously, everything compounds into superannuation. The the downside of what you'll be mindful of is, well, it is locked in until you meet a condition of release. So often, let's say, ten sixty and retire. So it would have to be, obviously, that you're comfortable forgoing some of your pay and knowing that it will be locked in until at least 60.\n\nMhmm. That's yes. And you yeah. Because usually the best way to do it as well is like, okay. Well, how much are you currently saving in, like, a week, a month, or fortnightly?\n\nDo you know? Yeah. That's right. Yeah. Yes.\n\nThe end of the financial day? Yep. We could regularly. Yeah. So we we can do that as well.\n\nSo if you don't wanna do it weekly, some people do it as a as a lump sum. Often, you have, like, self employed people and stuff like that doing it, or you just don't know where your cash flow and everything's at. And before the end of the financial, if you have saved anything up, you can do it as a bit of a lump sum. If you do wanted to do it as a lump sum, just give me a call and let me know how much you were thinking of just so that I can run the numbers for you. Because there is as well, if you wanted to do it, like, pretax or similar function or salary sacrifice, there is a concessional cap of 30,000 each financial year.\n\nSo if okay. Perfect. That's good because okay. Okay. Okay.\n\nPerfect. Just because you never know. Sometimes people like, oh, yeah. Like, I've, you know, had a bonus or I've, you know, saved so much, and I wanna put heaps in and, like, that's great. Just let me do the math.\n\nIf it's a couple of grand because if if we just like, obviously, income has increased a little bit, so you will be a little bit more. But based on the 95,000, your employer will put in about 11,400 if they pay that standard 12%. So you still have Perfect. So pretty similar. Yeah.\n\nOh, that's that's good. So you do have plenty of space. If it is that you wanna put it in, like, let's say, from your bank account, so after tax you wanna put it in and if you would like to change it to pretax, just let us know because we can do all of that for you. Just I would say because with, Hub twenty four and everything like that, you don't wanna leave it too close to the end of the financial year because they get really busy. So even do it, like, a couple of weeks out.\n\nIf you do a contribution, just let me know, and then I'll let the team know, and we can change it for you to give you that little tax back if if that's what you are wanting to do. So, yeah, just just keep it in mind and let me know if you decide to do it that way. Yep. Perfect. Otherwise, when it comes to assets and liabilities, I have here your main property was last five at about 08:30.\n\nIs that still the case? Would you know if that got went up a little bit? Yeah. Do you know roughly? Oh, perfect.\n\nYep. And you don't have a mortgage attached to that one, do you? Nope. Beautiful. Do you also have their motor vehicle valued at about 45,000?\n\nMhmm. Yes. Unfortunately, it appreciates. No. That's okay.\n\nNo. That's okay. 30 $7.03. Perfect. And do you have anything going on the motor vehicle?\n\n17. Perfect. That's nice. It was about 32 last time we spoke. So that's a nice chunk of, so good job.\n\nI also have here savings at about 25. About 20. Yep. And I also have a personal loan about 7 and a half. Oh, beautiful.\n\nAnd credit card about 5,000. Okay. I'll just update that. It's just kinda, like, for points and stuff sometimes or emergency. Yeah.\n\nOkay. Perfect. No. I'll just remove that then if you don't have anything owing on it. Yep.\n\nYep. Yeah. Perfect. Now health and lifestyle, why so have you down here as a nonsmoker? Is that still the case?\n\nPerfect. And have you had any changes to your health at all in the last twelve months? Mhmm. Yeah. Oh, that's good.\n\nHas it gotten better for you? Has that arthritis kind of yeah. Yes. Yes. Yes.\n\nYeah. Oh, that's beautiful. That's great. And when did you stop clicking that? Oh, beautiful.\n\nOh, that's great news. Yeah. And you're still feeling like, okay. Obviously, in stopping it? Yeah.\n\nOh, great. Any other changes to your health otherwise? Nope. Perfect. And do you have private health insurance?\n\nYes. Perfect. Now when it comes to estate planning, I have here that last time we spoke to you, you were kind of looking at getting your will sorted through work if you got some discounts potentially. Mhmm. No.\n\nThat's okay. And do you have anyone who makes any financial decisions on your behalf or earn an income overseas at all? No. Perfect. And are you politically exposed at all, directly involved in politics?\n\nNo. Perfect. And when it comes to beneficiaries, so in the event that something were to happen to you, I have your your son, Kai, nominated. Yep. That's still correct.\n\nPerfect. And the other thing is just kind of, I guess, goals. So stuff that you're working towards and that you are wanting to achieve. Now last time we spoke to you, your main focus was to kind of pay down the personal loan, which you've done very well in. Yes.\n\nPotentially, look at some salary sacrificing and then maybe do some house renovation. Are you still wanting to do a bit of house renovation, or did you end up doing Yep. Yep. There's some renovation? Yeah.\n\nBeautiful. And is there Yes. Mhmm. Yeah. Yes.\n\nAnd sometimes interest rate's a bit lower on on that than other things. Yeah. Oh, nice. Yep. Yep.\n\nYeah. Yeah. And, usually, that is what we see as well from obviously, it depends on what the interest rate and stuff like that are. But, usually, your your mortgage would be lower than, like, a car. So it's definitely a really good idea to be looking at.\n\nNow I know you mentioned your bank. Do you have a mortgage broker or a lender or anything otherwise that looks up more options for you, or are you very happy with your bank? Mhmm. Yep. Yep.\n\nLike a lender or anything? Yeah. Going down. Yeah. And and a lot of people are the same as well where it's like you've got two banks because you you trust them and you've been dealing with them.\n\nAnd sometimes, like, it it's easier that way. It's usually not a bad idea to look at a lender of broker as well because they have usually, they have so many different options. So they can look at it. They can compare rates across. And a lot of them obviously still factor in all the big banks as well.\n\nSo they can pull rates across all the banks and then give you, like, a proposal of well, based on your situation, this bank offers this rate or this bank offers this rate. And true. So I would and it doesn't cost anything to get a a review. So if you want, it's up to you. If you have some friends that have a really good broker, it's always good to assess.\n\nBut if not, we work very closely with a couple as well. So if you want me to, I can always pass on your contact details to them and get them to give you a call to see what rates and stuff they would be able to get for you. Is that something you would be interested in, or do you do you have some friends that you'd try to go to? Mhmm. Yes.\n\nYes. Yes. Yeah. Then compare. Yes.\n\nAnd that's a good idea as well. And definitely shop around because sometimes you can get pretty good rates. But sometimes, yeah, if if your bank, they they might be good as well. So definitely have a look at a couple of options because, yeah, you can usually get pretty good ones, but that's good. That's a good idea to to have a look at, especially if you're wanting to do some renovations and with the car loan and even with the personal loan potentially.\n\nLike, I know it's almost done, but sometimes reducing everything and just have it into the one, if you can get cheaper rates, that will save you. Yeah. Yeah. Yeah. Yeah.\n\nYeah. And that's a good idea. So, yeah, good that to have a look at that. Let me know how you go. If you do need any suggestions or if you are stuck on what to do, just give me a call with them in email, and we can always have a look at that for you.\n\nBut that's that's a great idea. Anything else or that's if if you're seeing things to work on? Yeah. Perfect. And, otherwise, when it comes to superannuation, I have here that, ideally, you would love to retire at 60 and draw a weekly income of about $1,000 per week from super.\n\nIs that still the case? Yep. Perfect. And I guess in terms of superannuation goals, otherwise, I have here that your your focus is to make sure everything is set up correctly, that it is moving in the right direction, and, yeah, just making sure you are kind of growing it as much as you can. Yeah.\n\nThat's still all kind of the the same? Yeah. Perfect. Now the next thing I quickly run over here with you, it's just a bit of an updated risk profile questionnaire. Just multiple choice to make it nice and easy, and that is just to see if we need to make any changes to your risk profile.\n\nIf it doesn't make sense, just let me know. Now have you ever bought direct shares on the stock market yourself? Nope. Perfect. Next is in regards to how much risk you are willing to take for your superannuation.\n\nObviously, being a bit long term, would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation? Middle? Sorry. About moderate or high? No.\n\nModerate. Yep. Perfect. And when it comes to volatility, so if after six months of placing an investment, you found out that your portfolio has decreased in value by 20% due to 20 to zero due to general trends in the market. So not like one particular investment that's gone bad, just kind of the market as a whole.\n\nWould you say that you if you had the option to do so, would think that now is a good time to put a little bit more in while the prices are down? Would you just kind of hold and wait to see what happens first, or would you want to sell out and move through a bit more of a secure asset? So that means you're other than selling when the prices have Yes. Yeah. What we say.\n\nYeah. And it it is it is tricky because this just gives me it gives us an understanding of how your behavior would react in a situation. Yeah. Obviously, we factor in Yeah. Yep.\n\nJust hold. Yeah. Yeah. And I completely understand that sometimes it is tricky because it's like, well, we are here to obviously help and guide you in the right direction and also factoring, you know, time frames and stuff like that. So there's a lot more that goes through it.\n\nThis is kind of one component. And and like I said, it's more so just in regards to your behavior. Because I can have clients who is, like, 20 who says, oh, yeah. I got, you know, forty years for retirement. But if super fluctuate a little bit, they are get super, super, super nervous about it, then I'm not gonna put you in a high risk even though you have time for it if you feel really uncomfortable.\n\nBut then on the flip side, I could have a six year old who is planning on retiring in five years to go, no. I'm completely comfortable with that. So yeah. So so there is obviously typical trends we see with, obviously, where you are, but behavior is one aspect. So that's why these these questions, I know it is tricky, and often it's also, well, it's like, well, what type of investment?\n\nIf it's a great investment that you understand, then perfect. If it's a bit more speculative, then. Yes. A little bit of both. Yeah.\n\nNo. And that and that makes sense. And the no. No. And we we have you kind of in a good middle range at the moment, so I'll kind of go through that as well.\n\nBut the last question here is just in regards to borrowing money. So would you ever consider taking out a loan to buy an investment property or just kind of against your own property? Mhmm. Yep. No.\n\nOkay. Perfect. And, basically, overall, this tells me here that you have come out as a growth investor, which is the portfolio we currently have you invested, which is kind of in the middle where you are focusing on growing your superannuation as much as possible while you do have plenty of time until retirement. You know, there will be some level of fluctuations in order to try to grow that for you. But you also want, you know, a little bit of that defensive as well to limit fluctuation.\n\nSo on this scale, just so you know as well, we have your aggressive plus, which is your kind of super risky where you're borrowing money against things, and then you have aggressive, high growth growth, which is where you are at the moment. And then we have your balance growth and balance. And we often see, obviously, the the closer you move to retirement and have less time, we then gradually typically start reducing that. So you are in a good time frame. Like, you're in a good kind of middle position, still growing.\n\nAnd time frame wise, we're looking at about minimum, we'd like to say six years on retirement, making sure you have enough time in the market. So from from all of that, it is a suitable portfolio as long as you're still comfortable to remain as a growth investor. Yep. Great. Perfect.\n\nNow the last thing here is just to give you a bit of an update on your portfolio and everything. So do you have access to your emails at the moment, Lauren? Perfect. So I have just sent you an email with some documents to go through. If you could access that for me, that would be great.\n\nAnd it probably looks a bit different to what you were used to because we have changed our software. So yeah. So there should say a link, sign documents before you click on that. At the bottom of the email, can you see a couple of attachments? Yes.\n\nOkay. Perfect. So what you should be able to see first is one where it says OQ services guide and then an OQ financial services guide. I will let you had a read over these in your own time. You would have seen this one before.\n\nEvery time is one of those compliance documents. Not much has changed in terms of important information. It's all in there for you. We've had a bit of a revamp to marketing. So when you do have a look at it, you'll see a couple of new photos and marketing, and we've also had a bit of an extension to the team.\n\nSo when you have a moment, you wanna have a look through them, that's all in there. And if you do have a look at it, you will also see my face there if you do wanna put a, you know, a face to the voice. Perfect. Now do you also have one where it says super and insurance summary? Yeah.\n\nPerfect. If you could open that one for me. So you have your super with hub 24, and you do have a $371,155 in them. Now you also have some insurances with Neos. So you have your life and total permanent disability insurance, and that is 330,750.\n\nAre you still comfortable and happy with that level of cover if something were to happen? Yeah. Yeah. And, obviously, because you don't really have any debts or whatever little you have left will be easily paid off with this. Plus, obviously, that covers, you know, if anything ever were to happen in your car park, it will then obviously give you a bit of income replacement if something were to happen, and then plus the the super balance as well.\n\nOr if something were to happen to you, that will then go to your fund as well. So you also have your income protection. Now the income protection will pay a monthly amount of 5,878 with a thirty day waiting period and a five year benefit period. All of those are paid from superannuation. You do get a tax rebate.\n\nSo after that, it's about 3,310 for all those three. You still happy with the income protection as well? Yep. Perfect. Now if you can then open the next one, which should see actually, do you have a NEO certificate of currency next?\n\nYeah. Yeah. And this one here, it's just breaking down your insurances in a bit more detail. But it basically just lets you know that everything is paid and up to date for you. And the next one is your twelve month performance report.\n\nIf you can open that one for me. Just let me know when that one's loaded for you. Yep. Perfect. Now this one can look a little bit messy sometimes, but it it does break down all of your investments.\n\nSo you can see all of your investments, how how they have performed, and what's happened in the last twelve months. Now on the second page, you should see where it says total portfolio. Now that one here tells us that in the last twelve months now, we have seen quite a bit of fluctuations in the market in the last twelve months. First, you obviously had everything in The US and Trump and everything, and more recently, obviously, the war. So we have seen quite a bit of fluctuation in the last twelve months.\n\nDespite that, though, your portfolio overall has held up really well. So in the last twelve months, after all fees have come out of your account, your portfolio has still gone up by 10.51%, which we're really happy with. Now with your portfolio as well, if you scroll up to that first page again for me where it says all the different investments, if you look at the second column to the right versus internal rate of return, that breaks down the investment return on each of your investment. So you can see here that the one that has brackets next to it or behind it, they are down. The others are all positive.\n\nSo when we do design your portfolio as well is you wanna make sure we focus on a lot of diversification. So if there are times in the market with one thing is doing really well, like you can see here, your Global X battery tech and lithium has gone up a 109%, which is crazy, which also is obviously everything with fuel prices, and that one focuses on, obviously, the the batteries and lithium that goes in through electric vehicles and stuff. So that one has gone through the roof. So they're kind of designed to balance itself up. So in the event that some areas are doing really well, it then kind of complements other areas.\n\nSo, overall, it balance your portfolio. But with that, though, we have done a lot of research on the investments because things are always changing. So we wanna make sure that at all points in time, we have you in the best investment possible. And if we do a lot of research on an investment and we foresee that it's kind of underperforming a little bit and we don't foresee it coming back around as much, then we wanna look at swapping things out for you. So on the top one here where you see you've been along Australian equities, I would like to do a bit more research on looking at swapping this one out for you.\n\nSo the investment committee, that's the at the top one, all the way to the top where you manage fund. Yes. Yep. That one has underperformed a little bit recently. So the reason that was added to your portfolio was because they were the one of the best performing fund managers, and they were doing really, really well.\n\nMore recently, they have underperformed a little bit and been a little bit slower in making their decision. And after doing quite a bit of research, we feel like there are better options out there that's going to put you in a better position. So if you are happy for me to do so, I would like to do a bit more research and put together a proposal of looking at swapping this one for you for a better alternative option. Are you happy for me to do that? Yeah.\n\nPerfect. Now it will take me about a week or so to put it all together because I wanna make sure I also factor in that if I'm obviously selling some investments for others, I wanna minimize any tax potential that would be there. And then it'll also give you an overview of, you know, the fees changes and performance and stuff like that so you can also see it. But it's also a good kind of check-in to see, well, okay, a bit of an updated projection of where things are tracking right now, and that might help you as well when you do decide if you wanna put a little bit more in or not the way things are kind of on track. So when is a good time for you to kind of go through that with me?\n\nYes. So do you have any time next week? Yes. Yep. Okay.\n\nLet me do you prefer mornings or afternoons, typically? Doesn't matter? Okay. Alright. Let me have a look.\n\nYeah. Okay. Perfect. So I could either do Thursday, the fourteenth, and I can do at 10AM. Okay.\n\nNo. Let's not do that. Otherwise, I can do Thursday the fourteenth again at 2PM, or I could do Tuesday the twelfth at 04:30. 04:30? Okay.\n\nPerfect. So this Tuesday the twelfth at 04:30. Now if anything does change and you can't make it or work or anything like that, just let me know, and I'll see if I can shuffle a few things around for you. Otherwise, do you want a reminder text sent, like, two hours before the appointment just as a little Yeah. Beautiful.\n\nThat's all locked in on next Tuesday at 04:30. Now the last thing with those documents there, Lauren, it's just then if you are happy to do so, it's through click process sign now, and it will ask you to sign through document. Now yep. Now just so you know as well what it is to sign is that the first one is an ongoing service agreement. Now that one here, just the usual, just to say that you are happy to remain and stay on as a client, There is no changes whatsoever in regards to the fee structure.\n\nSo that stays exactly the same at 1.65 from super. No changes in regards to that, and it is not a locked contract. So if at any point in time you are not happy, there is no lock in contract. So this lets us service you in the meantime and keep everything rolling for you. And then the last one is a compliance form.\n\nIt is a tax file number form. And that's just to say that we are keeping your tax file number secure and safe on file, essentially. Yes. Yes, please. Yep.\n\nAnd then once you've added the signature, it should see say validate, I believe. Yes. I can I can actually see it's already come through, which is great? Now there is so that you can click and download the documents if you ever wanna go and have a look at them. You don't have to.\n\nI always have a copy on file as well. So if at any point in time you want access to them, just let me know, and I can always get them emailed to you as well. Otherwise, I do have you booked in next Tuesday to go through the little research on your super investment. But do you have any other questions or need anything else from me before I let you go? And enjoy the rest of your day, otherwise, Laura.\n\nMhmm. From the balance. Yep. Perfect. So when we started so on the in the report, so on the 05/02/2025, your super balance was at 326,000 541.\n\nSo 326541. Yep. And now it's at $372.05 5. Yep. And let's see here.\n\nAnd I'm just in your account right now, and it's gone up a little bit more, which is great. Sorry. It's at three hundred and seventy three at $5.17 as of today. Yes. Correct.\n\nYeah. Because this document was prepared on the May 1. Yeah. Yep. Perfect.\n\nDid that answer those questions for you? Yeah. Yeah. No problem. Yes.\n\nAnd let me know how you go with the bank and stuff like that. Of course. Yeah. Perfect. And let me know if you do want, like, I'll yeah.\n\nExactly to give you a call as well. So, yeah, let me know how you go with everything, and I'll let you go and enjoy the rest of your afternoon. But if there's anything that you need or any other questions between now and Tuesday next week, you can always just give me a call or send me an email as well. No problem at all. It was lovely speaking with you, and I look forward to speaking with you next Tuesday.\n\nThanks. Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":2.48,"end":3.12,"sentiment":"neutral","sentiment_score":0.33153843879699707},{"text":"This is Veronica from Financial.","start":3.12,"end":4.66,"sentiment":"neutral","sentiment_score":0.2860036015510559},{"text":"How are you?","start":5.2,"end":6.02,"sentiment":"neutral","sentiment_score":0.2394826908906301},{"text":"That's good.","start":8.0,"end":8.9,"sentiment":"positive","sentiment_score":0.7015948593616486},{"text":"I had you booked in to go over your annual review.","start":9.5199995,"end":11.92,"sentiment":"positive","sentiment_score":0.4300409230318936}],"sentiment":"positive","sentiment_score":0.38892099261283875,"num_words":23,"start":2.48,"end":11.92},{"sentences":[{"text":"Is now still a good time for you?","start":11.92,"end":13.62,"sentiment":"positive","sentiment_score":0.3690342307090759},{"text":"Yeah.","start":14.595,"end":14.995,"sentiment":"neutral","sentiment_score":0.1404266059398651},{"text":"Perfect.","start":14.995,"end":15.395,"sentiment":"positive","sentiment_score":0.3336218595504761},{"text":"And apologies I'm calling a couple of minutes late.","start":15.395,"end":17.875,"sentiment":"neutral","sentiment_score":-0.0984031500087844},{"text":"Some IT problems, you know, in the morning, first thing on Tuesday.","start":17.875,"end":21.655,"sentiment":"neutral","sentiment_score":-0.15564898339410624}],"sentiment":"neutral","sentiment_score":0.021706650334019816,"num_words":31,"start":11.92,"end":21.655},{"sentences":[{"text":"Thank you.","start":23.475,"end":24.295,"sentiment":"neutral","sentiment_score":0.26057709753513336},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if 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been?","start":43.565002,"end":45.085003,"sentiment":"neutral","sentiment_score":0.05245097205042839},{"text":"Been busy?","start":45.085003,"end":45.825,"sentiment":"neutral","sentiment_score":-0.0023748716339468973}],"sentiment":"neutral","sentiment_score":0.05012596517123959,"num_words":11,"start":41.085003,"end":45.825},{"sentences":[{"text":"Yeah.","start":48.125,"end":48.625,"sentiment":"neutral","sentiment_score":-0.029403265565633777},{"text":"I can imagine.","start":53.399998,"end":54.379997,"sentiment":"neutral","sentiment_score":0.02664387474457423},{"text":"Well, I will try not to keep you for too long this morning.","start":55.48,"end":58.379997,"sentiment":"neutral","sentiment_score":-0.020021190436986778},{"text":"But before I do kind of jump in through the annual review, I do like to start by asking if there is anything specific you would like me to focus on today or if you have any particular questions or just a bit of a catch up and see what's happened in the last twelve months.","start":59.32,"end":72.935,"sentiment":"neutral","sentiment_score":0.026132035135690655},{"text":"Yep.","start":79.729996,"end":80.229996,"sentiment":"neutral","sentiment_score":0.01574130728840828}],"sentiment":"neutral","sentiment_score":0.017153894025329,"num_words":74,"start":48.125,"end":80.229996},{"sentences":[{"text":"Yes.","start":83.17,"end":83.67,"sentiment":"neutral","sentiment_score":0.15426304936408997},{"text":"Sounds good.","start":83.81,"end":84.63,"sentiment":"neutral","sentiment_score":0.2703336626291275},{"text":"Yeah.","start":84.93,"end":85.33,"sentiment":"neutral","sentiment_score":0.19276517629623413},{"text":"Perfect.","start":85.33,"end":85.83,"sentiment":"neutral","sentiment_score":0.26322922110557556},{"text":"Now what I will do first is just to run through a bit of an updated fact find with you just to see if there's anything major that has changed in your life, if we need to make any changes to your advice.","start":86.369995,"end":96.635,"sentiment":"neutral","sentiment_score":0.017225598699824755}],"sentiment":"neutral","sentiment_score":0.03940886491909623,"num_words":48,"start":83.17,"end":96.635},{"sentences":[{"text":"So just kind of bear with me as I go through this question.","start":96.635,"end":99.854996,"sentiment":"neutral","sentiment_score":0.005045297770546033},{"text":"Now has your address changed at all, or you're still not perfect?","start":101.755,"end":106.575,"sentiment":"neutral","sentiment_score":-0.06716294850533207},{"text":"Now personal information, I have you down here as single with one financial dependent.","start":108.29,"end":112.95,"sentiment":"neutral","sentiment_score":-0.032285302345241816},{"text":"That's correct?","start":113.17,"end":113.91,"sentiment":"neutral","sentiment_score":0.03893436398357153},{"text":"Perfect.","start":114.45,"end":114.95,"sentiment":"neutral","sentiment_score":0.20214006304740903}],"sentiment":"neutral","sentiment_score":-0.0217226655444219,"num_words":42,"start":96.635,"end":114.95},{"sentences":[{"text":"And I have Renee, your sister nominated as next of kin.","start":115.41,"end":119.57,"sentiment":"neutral","sentiment_score":0.13519437272440304},{"text":"That's also still the case?","start":119.57,"end":121.035,"sentiment":"neutral","sentiment_score":0.06434681713581085},{"text":"Perfect.","start":121.275,"end":121.775,"sentiment":"neutral","sentiment_score":0.2160542756319046},{"text":"And her phone number hasn't changed.","start":122.395004,"end":124.235,"sentiment":"neutral","sentiment_score":-0.050887396559119225},{"text":"Still ends with 688.","start":124.235,"end":126.655014,"sentiment":"neutral","sentiment_score":-0.012654811376705766}],"sentiment":"neutral","sentiment_score":0.06181417912658718,"num_words":27,"start":115.41,"end":126.655014},{"sentences":[{"text":"Yeah.","start":127.83501,"end":128.235,"sentiment":"neutral","sentiment_score":0.19209562242031095},{"text":"Perfect.","start":128.235,"end":128.735,"sentiment":"positive","sentiment_score":0.5339932441711426},{"text":"Now employment wise, has any of that changed or still working at the no.","start":129.35501,"end":134.395,"sentiment":"neutral","sentiment_score":0.0517399361623185},{"text":"Perfect.","start":134.395,"end":134.895,"sentiment":"neutral","sentiment_score":0.21933896839618683},{"text":"You must like it, though.","start":137.25,"end":138.71,"sentiment":"neutral","sentiment_score":0.2348564386367798}],"sentiment":"neutral","sentiment_score":0.12927586974745447,"num_words":22,"start":127.83501,"end":138.71},{"sentences":[{"text":"Yeah.","start":141.17,"end":141.67,"sentiment":"neutral","sentiment_score":0.017612876370549202},{"text":"Yeah.","start":142.93001,"end":143.43001,"sentiment":"neutral","sentiment_score":0.009470504708588123},{"text":"Yes.","start":145.57,"end":146.07,"sentiment":"neutral","sentiment_score":0.03751746937632561},{"text":"Yeah.","start":147.09,"end":147.59,"sentiment":"neutral","sentiment_score":0.015254509635269642},{"text":"No.","start":149.465,"end":149.785,"sentiment":"neutral","sentiment_score":-0.06347286701202393}],"sentiment":"neutral","sentiment_score":0.00327649861574173,"num_words":5,"start":141.17,"end":149.785},{"sentences":[{"text":"Doesn't get boring.","start":149.785,"end":150.845,"sentiment":"neutral","sentiment_score":-0.10102592408657074},{"text":"I'm still working back to twenty three hours part time.","start":153.065,"end":156.525,"sentiment":"neutral","sentiment_score":-0.004284264519810677},{"text":"Yes.","start":158.66501,"end":159.16501,"sentiment":"neutral","sentiment_score":0.0399610623717308},{"text":"Correct.","start":159.225,"end":159.725,"sentiment":"neutral","sentiment_score":0.07016035914421082},{"text":"Yep.","start":160.21,"end":160.45,"sentiment":"neutral","sentiment_score":0.12775346636772156}],"sentiment":"neutral","sentiment_score":-0.006752845598384738,"num_words":16,"start":149.785,"end":160.45},{"sentences":[{"text":"Perfect.","start":160.45,"end":160.95,"sentiment":"positive","sentiment_score":0.3893013894557953},{"text":"I have income at about 95,000.","start":161.97,"end":164.47,"sentiment":"neutral","sentiment_score":0.17805937180916467},{"text":"Mhmm.","start":168.21,"end":168.71,"sentiment":"neutral","sentiment_score":0.06267532706260681},{"text":"Oh, nice.","start":174.225,"end":175.045,"sentiment":"positive","sentiment_score":0.3599369525909424},{"text":"Yep.","start":180.945,"end":181.345,"sentiment":"neutral","sentiment_score":0.1352991908788681}],"sentiment":"neutral","sentiment_score":0.21595509485764938,"num_words":11,"start":160.45,"end":181.345},{"sentences":[{"text":"Perfect.","start":181.345,"end":181.845,"sentiment":"neutral","sentiment_score":0.28780537843704224},{"text":"Mhmm.","start":195.04001,"end":195.54001,"sentiment":"neutral","sentiment_score":0.0020474251359701157},{"text":"Mhmm.","start":208.11,"end":208.61,"sentiment":"neutral","sentiment_score":0.0136217400431633},{"text":"Oh, yeah.","start":212.19,"end":212.83,"sentiment":"neutral","sentiment_score":0.019100943580269814},{"text":"Okay.","start":212.83,"end":213.33,"sentiment":"neutral","sentiment_score":0.018809687346220016}],"sentiment":"neutral","sentiment_score":0.06008101968715588,"num_words":6,"start":181.345,"end":213.33},{"sentences":[{"text":"Does it have a fortnightly, weekly, anything?","start":214.19,"end":219.65,"sentiment":"neutral","sentiment_score":0.0035061147396585773},{"text":"Monthly?","start":220.525,"end":221.025,"sentiment":"neutral","sentiment_score":-0.0032825786620378494},{"text":"Yeah.","start":238.62,"end":239.12,"sentiment":"neutral","sentiment_score":0.011178813874721529},{"text":"Yeah.","start":243.18,"end":243.68,"sentiment":"neutral","sentiment_score":-0.02241305634379387},{"text":"Perfect.","start":243.74,"end":244.24,"sentiment":"neutral","sentiment_score":-0.15300223231315613}],"sentiment":"neutral","sentiment_score":-0.012997840933332389,"num_words":11,"start":214.19,"end":244.24},{"sentences":[{"text":"Yep.","start":250.345,"end":250.745,"sentiment":"neutral","sentiment_score":0.08378852903842926},{"text":"Okay.","start":250.745,"end":251.245,"sentiment":"neutral","sentiment_score":0.16840654611587524},{"text":"Perfect.","start":251.385,"end":251.885,"sentiment":"positive","sentiment_score":0.4232950210571289},{"text":"Now that's good.","start":252.025,"end":253.08499,"sentiment":"neutral","sentiment_score":0.3112841993570328},{"text":"And they did anything change with the pay rise agreement, or is it still that 12% employee contribution interest super?","start":254.105,"end":262.34,"sentiment":"neutral","sentiment_score":0.010289269965142012}],"sentiment":"neutral","sentiment_score":0.06981261898405276,"num_words":26,"start":250.345,"end":262.34},{"sentences":[{"text":"Was there any additional benefit?","start":262.80002,"end":264.74,"sentiment":"neutral","sentiment_score":0.009014467895030975},{"text":"Do you know?","start":264.80002,"end":265.79,"sentiment":"neutral","sentiment_score":0.0038509760051965714},{"text":"Mhmm.","start":275.13498,"end":275.63498,"sentiment":"neutral","sentiment_score":0.030657343566417698},{"text":"And so, yes, definitely.","start":276.97498,"end":279.555,"sentiment":"neutral","sentiment_score":0.24590167216956615},{"text":"It is a great way to boost your superannuation, but also reduce your taxable income a little bit because contributions going into super is taxed concessionally at 15%.","start":280.495,"end":290.49002,"sentiment":"positive","sentiment_score":0.4144820033439568}],"sentiment":"neutral","sentiment_score":0.3091801315455175,"num_words":41,"start":262.80002,"end":290.49002},{"sentences":[{"text":"And, obviously, your marginal tax rate is is higher than that for you.","start":291.19,"end":294.73,"sentiment":"neutral","sentiment_score":0.22345661314634177},{"text":"So it is a great way to do it, and, also, obviously, everything compounds into superannuation.","start":295.43002,"end":300.57,"sentiment":"positive","sentiment_score":0.675919046625495},{"text":"The the downside of what you'll be mindful of is, well, it is locked in until you meet a condition of release.","start":302.01498,"end":309.375,"sentiment":"neutral","sentiment_score":-0.2631160799752582},{"text":"So often, let's say, ten sixty and retire.","start":309.375,"end":312.275,"sentiment":"neutral","sentiment_score":-0.17071934323757887},{"text":"So it would have to be, obviously, that you're comfortable forgoing some of your pay and knowing that it will be locked in until at least 60.","start":314.49002,"end":323.71002,"sentiment":"neutral","sentiment_score":-0.13609327086144024}],"sentiment":"neutral","sentiment_score":0.0336141150964554,"num_words":86,"start":291.19,"end":323.71002},{"sentences":[{"text":"Mhmm.","start":325.13,"end":325.63,"sentiment":"neutral","sentiment_score":-0.034427762031555176},{"text":"That's yes.","start":325.69,"end":331.625,"sentiment":"neutral","sentiment_score":-0.12473668903112411},{"text":"And you yeah.","start":332.48502,"end":334.48502,"sentiment":"neutral","sentiment_score":0.1841504896680514},{"text":"Because usually the best way to do it as well is like, okay.","start":334.48502,"end":337.045,"sentiment":"neutral","sentiment_score":0.2953513470979837},{"text":"Well, how much are you currently saving in, like, a week, a month, or fortnightly?","start":337.045,"end":340.74503,"sentiment":"neutral","sentiment_score":0.10097506841023764}],"sentiment":"neutral","sentiment_score":0.16537481962757952,"num_words":34,"start":325.13,"end":340.74503},{"sentences":[{"text":"Do you know?","start":340.885,"end":341.70502,"sentiment":"neutral","sentiment_score":0.019374337047338486},{"text":"Yeah.","start":347.83002,"end":348.07,"sentiment":"neutral","sentiment_score":0.015208272263407707},{"text":"That's right.","start":348.07,"end":348.55002,"sentiment":"neutral","sentiment_score":0.02209796290844679},{"text":"Yeah.","start":348.55002,"end":349.05002,"sentiment":"neutral","sentiment_score":0.02725706249475479},{"text":"Yes.","start":354.32498,"end":354.72498,"sentiment":"neutral","sentiment_score":0.03199363872408867}],"sentiment":"neutral","sentiment_score":0.022097238805145025,"num_words":8,"start":340.885,"end":354.72498},{"sentences":[{"text":"The end of the financial day?","start":354.72498,"end":356.16498,"sentiment":"neutral","sentiment_score":0.026225087543328602},{"text":"Yep.","start":356.16498,"end":356.66498,"sentiment":"neutral","sentiment_score":0.055449388921260834},{"text":"We could regularly.","start":357.365,"end":360.82498,"sentiment":"neutral","sentiment_score":0.02213219739496708},{"text":"Yeah.","start":360.965,"end":361.465,"sentiment":"neutral","sentiment_score":0.09999600052833556},{"text":"So we we can do that as well.","start":361.685,"end":363.625,"sentiment":"neutral","sentiment_score":0.12219526059925556}],"sentiment":"neutral","sentiment_score":0.07140813640465862,"num_words":19,"start":354.72498,"end":363.625},{"sentences":[{"text":"So if you don't wanna do it weekly, some people do it as a as a lump sum.","start":364.16498,"end":370.74,"sentiment":"neutral","sentiment_score":-0.016417738878064685},{"text":"Often, you have, like, self employed people and stuff like that doing it, or you just don't know where your cash 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okay.","start":404.7,"end":407.42,"sentiment":"neutral","sentiment_score":-0.09051428735256195},{"text":"Perfect.","start":407.42,"end":407.92,"sentiment":"neutral","sentiment_score":0.18926776945590973},{"text":"That's good because okay.","start":408.94,"end":413.725,"sentiment":"neutral","sentiment_score":0.19421124644577503},{"text":"Okay.","start":414.10498,"end":414.60498,"sentiment":"neutral","sentiment_score":-0.01544295996427536},{"text":"Okay.","start":416.505,"end":416.985,"sentiment":"neutral","sentiment_score":0.2519378960132599}],"sentiment":"neutral","sentiment_score":0.09310648292303085,"num_words":10,"start":404.7,"end":416.985},{"sentences":[{"text":"Perfect.","start":416.985,"end":417.485,"sentiment":"positive","sentiment_score":0.481562614440918},{"text":"Just because you never know.","start":417.865,"end":418.985,"sentiment":"neutral","sentiment_score":0.2594760745763779},{"text":"Sometimes people like, oh, yeah.","start":418.985,"end":420.10498,"sentiment":"neutral","sentiment_score":0.28483929932117463},{"text":"Like, I've, you know, had a bonus or I've, you know, saved so much, and I wanna put heaps in and, like, that's great.","start":420.10498,"end":426.36002,"sentiment":"positive","sentiment_score":0.43384455392758053},{"text":"Just let me do the math.","start":426.36002,"end":428.14,"sentiment":"neutral","sentiment_score":0.19828248023986816}],"sentiment":"positive","sentiment_score":0.36110008925926396,"num_words":41,"start":416.985,"end":428.14},{"sentences":[{"text":"If it's a couple of grand because if if we just like, obviously, income has increased a little bit, so you will be a little bit more.","start":429.08002,"end":435.0,"sentiment":"neutral","sentiment_score":0.027188472863700654},{"text":"But based on the 95,000, your employer will put in about 11,400 if they pay that standard 12%.","start":435.0,"end":443.36502,"sentiment":"neutral","sentiment_score":0.02986195683479309},{"text":"So you still have Perfect.","start":443.90503,"end":452.26,"sentiment":"neutral","sentiment_score":0.08709402978420258},{"text":"So pretty similar.","start":452.48,"end":453.54,"sentiment":"positive","sentiment_score":0.34323516488075256},{"text":"Yeah.","start":453.92,"end":454.24,"sentiment":"neutral","sentiment_score":0.16442853212356567}],"sentiment":"neutral","sentiment_score":0.05372607714875981,"num_words":54,"start":429.08002,"end":454.24},{"sentences":[{"text":"Oh, that's that's good.","start":454.24,"end":455.78,"sentiment":"positive","sentiment_score":0.578304722905159},{"text":"So you do have plenty of space.","start":456.56,"end":458.41998,"sentiment":"positive","sentiment_score":0.3900505642273596},{"text":"If it is that you wanna put it in, like, let's say, from your bank account, so after tax you wanna put it in and if you would like to change it to pretax, just let us know because we can do all of that for you.","start":459.04,"end":471.80502,"sentiment":"neutral","sentiment_score":0.1885375773653071},{"text":"Just I would say because with, Hub twenty four and everything like that, you don't wanna leave it too close to the end of the financial year because they get really busy.","start":472.905,"end":481.34,"sentiment":"neutral","sentiment_score":0.04584069410338998},{"text":"So even do it, like, a couple of weeks out.","start":481.88,"end":484.78,"sentiment":"neutral","sentiment_score":0.13821427524089813}],"sentiment":"neutral","sentiment_score":0.1675388394109905,"num_words":100,"start":454.24,"end":484.78},{"sentences":[{"text":"If you do a contribution, just let me know, and then I'll let the team know, and we can change it for you to give you that little tax back if if that's what you are wanting to do.","start":485.16,"end":495.00497,"sentiment":"neutral","sentiment_score":0.19899805405965218},{"text":"So, yeah, just just keep it in mind and let me know if you decide to do it that way.","start":495.00497,"end":498.465,"sentiment":"neutral","sentiment_score":0.25010098740458486},{"text":"Yep.","start":499.485,"end":499.88498,"sentiment":"neutral","sentiment_score":0.22647212445735931},{"text":"Perfect.","start":499.88498,"end":500.38498,"sentiment":"positive","sentiment_score":0.4986100196838379},{"text":"Otherwise, when it comes to assets and liabilities, I have here your main property was last five at about 08:30.","start":501.245,"end":508.48,"sentiment":"neutral","sentiment_score":0.05490596052259207}],"sentiment":"neutral","sentiment_score":0.18007586680260707,"num_words":81,"start":485.16,"end":508.48},{"sentences":[{"text":"Is that still the case?","start":508.54,"end":509.5,"sentiment":"neutral","sentiment_score":0.03713471032679081},{"text":"Would you know if that got went up a little 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25.","start":626.905,"end":629.645,"sentiment":"neutral","sentiment_score":0.12070516124367714},{"text":"About 20.","start":634.55,"end":635.37,"sentiment":"neutral","sentiment_score":0.02385866455733776},{"text":"Yep.","start":635.75,"end":636.25,"sentiment":"neutral","sentiment_score":0.033306315541267395},{"text":"And I also have a personal loan about 7 and a half.","start":637.67,"end":641.52997,"sentiment":"neutral","sentiment_score":0.036382745020091534},{"text":"Oh, beautiful.","start":645.925,"end":646.58496,"sentiment":"neutral","sentiment_score":0.2637261748313904}],"sentiment":"neutral","sentiment_score":0.08042840898036957,"num_words":25,"start":626.905,"end":646.58496},{"sentences":[{"text":"And credit card about 5,000.","start":647.365,"end":651.065,"sentiment":"neutral","sentiment_score":0.01134248562157154},{"text":"Okay.","start":656.5,"end":656.82,"sentiment":"neutral","sentiment_score":0.0006347950547933578},{"text":"I'll just update that.","start":656.82,"end":658.02,"sentiment":"neutral","sentiment_score":0.0153117417357862},{"text":"It's just kinda, like, for points and stuff sometimes or emergency.","start":658.02,"end":662.92,"sentiment":"neutral","sentiment_score":-0.0021912090226330542},{"text":"Yeah.","start":670.35504,"end":670.755,"sentiment":"neutral","sentiment_score":0.013364505022764206}],"sentiment":"neutral","sentiment_score":0.004902517994527112,"num_words":22,"start":647.365,"end":670.755},{"sentences":[{"text":"Okay.","start":670.755,"end":671.075,"sentiment":"neutral","sentiment_score":0.06635992228984833},{"text":"Perfect.","start":671.075,"end":671.47504,"sentiment":"neutral","sentiment_score":0.1379166841506958},{"text":"No.","start":671.47504,"end":671.715,"sentiment":"neutral","sentiment_score":-0.030698208138346672},{"text":"I'll just remove that then if you don't have anything owing on it.","start":671.715,"end":674.775,"sentiment":"neutral","sentiment_score":-0.02316969446837902},{"text":"Yep.","start":675.23505,"end":675.73505,"sentiment":"neutral","sentiment_score":-0.002245187759399414}],"sentiment":"neutral","sentiment_score":-0.0076395775027134835,"num_words":17,"start":670.755,"end":675.73505},{"sentences":[{"text":"Yep.","start":679.32996,"end":679.82996,"sentiment":"neutral","sentiment_score":0.033694781363010406},{"text":"Yeah.","start":681.00995,"end":681.49,"sentiment":"neutral","sentiment_score":0.07873579859733582},{"text":"Perfect.","start":681.49,"end":681.99,"sentiment":"neutral","sentiment_score":0.256891667842865},{"text":"Now health and lifestyle, why so have you down here as a nonsmoker?","start":682.52997,"end":685.91,"sentiment":"neutral","sentiment_score":-0.0260181358227363},{"text":"Is that still the case?","start":686.20996,"end":687.43,"sentiment":"neutral","sentiment_score":-0.02218145951628685}],"sentiment":"neutral","sentiment_score":-0.003800991213037854,"num_words":21,"start":679.32996,"end":687.43},{"sentences":[{"text":"Perfect.","start":688.12994,"end":688.62994,"sentiment":"neutral","sentiment_score":0.2190668433904648},{"text":"And have you had any changes to your health at all in the last twelve months?","start":688.68994,"end":692.70996,"sentiment":"neutral","sentiment_score":0.03555483720265329},{"text":"Mhmm.","start":692.955,"end":693.455,"sentiment":"neutral","sentiment_score":-0.01692432165145874},{"text":"Yeah.","start":699.115,"end":699.615,"sentiment":"neutral","sentiment_score":-0.0454404354095459},{"text":"Oh, that's good.","start":701.115,"end":701.995,"sentiment":"neutral","sentiment_score":0.2061444620291392}],"sentiment":"neutral","sentiment_score":0.061091493984515015,"num_words":22,"start":688.12994,"end":701.995},{"sentences":[{"text":"Has it gotten better for you?","start":701.995,"end":703.935,"sentiment":"neutral","sentiment_score":0.03197934711351991},{"text":"Has that arthritis kind of yeah.","start":705.68994,"end":716.67,"sentiment":"neutral","sentiment_score":-0.05328603523472945},{"text":"Yes.","start":728.505,"end":729.005,"sentiment":"neutral","sentiment_score":0.0994379073381424},{"text":"Yes.","start":731.11005,"end":731.61005,"sentiment":"neutral","sentiment_score":0.02199182845652103},{"text":"Yes.","start":733.75,"end":734.25,"sentiment":"neutral","sentiment_score":-0.020569441840052605}],"sentiment":"neutral","sentiment_score":-0.001798655651509762,"num_words":15,"start":701.995,"end":734.25},{"sentences":[{"text":"Yeah.","start":734.87,"end":735.27,"sentiment":"neutral","sentiment_score":0.1450355350971222},{"text":"Oh, that's beautiful.","start":735.27,"end":736.25,"sentiment":"positive","sentiment_score":0.5305691957473755},{"text":"That's great.","start":736.31,"end":737.13,"sentiment":"positive","sentiment_score":0.4358372241258621},{"text":"And when did you stop clicking that?","start":737.19,"end":739.53,"sentiment":"neutral","sentiment_score":0.01428318555865969},{"text":"Oh, beautiful.","start":748.725,"end":749.305,"sentiment":"neutral","sentiment_score":0.2552984580397606}],"sentiment":"neutral","sentiment_score":0.21459978570540747,"num_words":15,"start":734.87,"end":749.305},{"sentences":[{"text":"Oh, that's great news.","start":749.845,"end":751.065,"sentiment":"positive","sentiment_score":0.46467863768339157},{"text":"Yeah.","start":753.54,"end":754.04,"sentiment":"neutral","sentiment_score":0.00607841182500124},{"text":"And you're still feeling like, okay.","start":754.33997,"end":756.1,"sentiment":"neutral","sentiment_score":-0.023324902169406414},{"text":"Obviously, in stopping it?","start":756.1,"end":757.48,"sentiment":"neutral","sentiment_score":-0.014688788913190365},{"text":"Yeah.","start":757.54,"end":757.94,"sentiment":"neutral","sentiment_score":0.027274422347545624}],"sentiment":"neutral","sentiment_score":0.10583517601480708,"num_words":16,"start":749.845,"end":757.94},{"sentences":[{"text":"Oh, great.","start":757.94,"end":758.76,"sentiment":"neutral","sentiment_score":0.24719636887311935},{"text":"Any other changes to your health otherwise?","start":759.45996,"end":761.48,"sentiment":"neutral","sentiment_score":0.057665021025708744},{"text":"Nope.","start":762.74,"end":763.06,"sentiment":"neutral","sentiment_score":0.009605951607227324},{"text":"Perfect.","start":763.06,"end":763.54,"sentiment":"neutral","sentiment_score":0.12129780650138856},{"text":"And do you have private health insurance?","start":763.54,"end":765.39996,"sentiment":"neutral","sentiment_score":0.008970945009163447}],"sentiment":"neutral","sentiment_score":0.060652681005497776,"num_words":18,"start":757.94,"end":765.39996},{"sentences":[{"text":"Yes.","start":766.885,"end":767.385,"sentiment":"neutral","sentiment_score":0.10644514858722688},{"text":"Perfect.","start":767.445,"end":767.945,"sentiment":"neutral","sentiment_score":0.1972956508398056},{"text":"Now when it comes to estate planning, I have here that last time we spoke to you, you were kind of looking at getting your will sorted through work if you got some discounts potentially.","start":769.445,"end":781.18994,"sentiment":"neutral","sentiment_score":0.025550885179213115},{"text":"Mhmm.","start":784.12994,"end":784.62994,"sentiment":"neutral","sentiment_score":0.009388339705765247},{"text":"No.","start":789.25,"end":789.41,"sentiment":"neutral","sentiment_score":-0.03166539967060089}],"sentiment":"neutral","sentiment_score":0.03014730053165784,"num_words":39,"start":766.885,"end":789.41},{"sentences":[{"text":"That's okay.","start":789.41,"end":790.23,"sentiment":"neutral","sentiment_score":-0.0029684311448363587},{"text":"And do you have anyone who makes any financial decisions on your behalf or earn an income overseas at all?","start":791.41,"end":798.765,"sentiment":"neutral","sentiment_score":-0.0191069848369807},{"text":"No.","start":799.22504,"end":799.465,"sentiment":"neutral","sentiment_score":-0.01963050849735737},{"text":"Perfect.","start":799.465,"end":799.965,"sentiment":"neutral","sentiment_score":0.02349618636071682},{"text":"And are you politically exposed at all, directly involved in politics?","start":801.065,"end":805.085,"sentiment":"neutral","sentiment_score":-0.025967015969482334}],"sentiment":"neutral","sentiment_score":-0.019138515909435227,"num_words":35,"start":789.41,"end":805.085},{"sentences":[{"text":"No.","start":806.905,"end":807.405,"sentiment":"neutral","sentiment_score":0.0029729828238487244},{"text":"Perfect.","start":807.54504,"end":808.04504,"sentiment":"neutral","sentiment_score":0.05569459870457649},{"text":"And when it comes to beneficiaries, so in the event that something were to happen to you, I have your your son, Kai, nominated.","start":808.70996,"end":818.73,"sentiment":"neutral","sentiment_score":0.04608513484708965},{"text":"Yep.","start":819.11,"end":819.43,"sentiment":"neutral","sentiment_score":0.04661200568079949},{"text":"That's still correct.","start":819.43,"end":820.485,"sentiment":"neutral","sentiment_score":0.11870526522397995}],"sentiment":"neutral","sentiment_score":0.052247953973710536,"num_words":30,"start":806.905,"end":820.485},{"sentences":[{"text":"Perfect.","start":821.125,"end":821.625,"sentiment":"positive","sentiment_score":0.3405834436416626},{"text":"And the other thing is just kind of, I guess, goals.","start":823.285,"end":825.605,"sentiment":"neutral","sentiment_score":0.11642145975069566},{"text":"So stuff that you're working towards and that you are wanting to achieve.","start":825.605,"end":829.065,"sentiment":"neutral","sentiment_score":0.1841400907589839},{"text":"Now last time we spoke to you, your main focus was to kind of pay down the personal loan, which you've done very well in.","start":830.08496,"end":838.13995,"sentiment":"neutral","sentiment_score":0.12706367798149587},{"text":"Yes.","start":838.51996,"end":839.01996,"sentiment":"neutral","sentiment_score":0.13936716318130493}],"sentiment":"neutral","sentiment_score":0.14374509398989818,"num_words":51,"start":821.125,"end":839.01996},{"sentences":[{"text":"Potentially, look at some salary sacrificing and then maybe do some house renovation.","start":839.8,"end":844.13995,"sentiment":"neutral","sentiment_score":0.04377763374493672},{"text":"Are you still wanting to do a bit of house renovation, or did you end up doing Yep.","start":845.72,"end":852.695,"sentiment":"neutral","sentiment_score":0.029035011409885354},{"text":"Yep.","start":855.47504,"end":855.97504,"sentiment":"neutral","sentiment_score":0.0628315731883049},{"text":"There's some renovation?","start":864.13,"end":865.11,"sentiment":"neutral","sentiment_score":0.015848964918404818},{"text":"Yeah.","start":865.25,"end":865.64996,"sentiment":"neutral","sentiment_score":0.1211354434490204}],"sentiment":"neutral","sentiment_score":0.03675703765151815,"num_words":36,"start":839.8,"end":865.64996},{"sentences":[{"text":"Beautiful.","start":865.64996,"end":865.94995,"sentiment":"positive","sentiment_score":0.4354315996170044},{"text":"And is there Yes.","start":865.94995,"end":869.02997,"sentiment":"neutral","sentiment_score":0.0786732966080308},{"text":"Mhmm.","start":876.145,"end":876.645,"sentiment":"neutral","sentiment_score":0.01767910271883011},{"text":"Yeah.","start":885.105,"end":885.605,"sentiment":"neutral","sentiment_score":-0.008878950960934162},{"text":"Yes.","start":890.08,"end":890.58,"sentiment":"neutral","sentiment_score":0.02734452486038208}],"sentiment":"neutral","sentiment_score":0.0982836828334257,"num_words":8,"start":865.64996,"end":890.58},{"sentences":[{"text":"And sometimes interest rate's a bit lower on on that than other things.","start":891.84,"end":896.26,"sentiment":"neutral","sentiment_score":-0.006119153247429774},{"text":"Yeah.","start":909.215,"end":909.715,"sentiment":"neutral","sentiment_score":0.09746955335140228},{"text":"Oh, nice.","start":924.52496,"end":925.08496,"sentiment":"neutral","sentiment_score":0.276631698012352},{"text":"Yep.","start":925.08496,"end":925.58496,"sentiment":"neutral","sentiment_score":0.0796770453453064},{"text":"Yep.","start":932.845,"end":933.345,"sentiment":"neutral","sentiment_score":0.08509062975645065}],"sentiment":"neutral","sentiment_score":0.040886201792293124,"num_words":18,"start":891.84,"end":933.345},{"sentences":[{"text":"Yeah.","start":946.22003,"end":946.72003,"sentiment":"neutral","sentiment_score":0.22297683358192444},{"text":"Yeah.","start":955.535,"end":956.035,"sentiment":"neutral","sentiment_score":0.3233175277709961},{"text":"And, usually, that is what we see as well from obviously, it depends on what the interest rate and stuff like that are.","start":956.175,"end":961.475,"sentiment":"neutral","sentiment_score":0.27520057882951654},{"text":"But, usually, your your mortgage would be lower than, like, a car.","start":961.74,"end":966.48,"sentiment":"positive","sentiment_score":0.38644638160864514},{"text":"So it's definitely a really good idea to be looking at.","start":966.78,"end":970.24,"sentiment":"positive","sentiment_score":0.5874913145195354}],"sentiment":"positive","sentiment_score":0.374493098196884,"num_words":48,"start":946.22003,"end":970.24},{"sentences":[{"text":"Now I know you mentioned your bank.","start":971.58,"end":974.255,"sentiment":"neutral","sentiment_score":0.12042072202478137},{"text":"Do you have a mortgage broker or a lender or anything otherwise that looks up more options for you, or are you very happy with your bank?","start":975.195,"end":982.895,"sentiment":"neutral","sentiment_score":0.08927617539410238},{"text":"Mhmm.","start":986.09,"end":986.59,"sentiment":"neutral","sentiment_score":-0.08367469906806946},{"text":"Yep.","start":996.81006,"end":997.31006,"sentiment":"neutral","sentiment_score":-0.015256965532898905},{"text":"Yep.","start":997.69,"end":998.19,"sentiment":"neutral","sentiment_score":-0.009073998779058456}],"sentiment":"neutral","sentiment_score":0.08501070611984343,"num_words":37,"start":971.58,"end":998.19},{"sentences":[{"text":"Like a lender or anything?","start":1002.51495,"end":1003.975,"sentiment":"neutral","sentiment_score":-0.1959458291530609},{"text":"Yeah.","start":1004.27496,"end":1004.77496,"sentiment":"neutral","sentiment_score":0.013871168717741966},{"text":"Going down.","start":1014.29,"end":1015.01,"sentiment":"neutral","sentiment_score":-0.005660092458128929},{"text":"Yeah.","start":1015.01,"end":1015.51,"sentiment":"neutral","sentiment_score":0.07339800894260406},{"text":"And and a lot of people are the same as well where it's like you've got two banks because you you trust them and you've been dealing with them.","start":1016.61,"end":1022.55,"sentiment":"neutral","sentiment_score":0.22198472197713523}],"sentiment":"neutral","sentiment_score":0.1456257048504133,"num_words":38,"start":1002.51495,"end":1022.55},{"sentences":[{"text":"And sometimes, like, it it's easier that way.","start":1023.17,"end":1025.655,"sentiment":"neutral","sentiment_score":0.2954236473888159},{"text":"It's usually not a bad idea to look at a lender of broker as well because they have usually, they have so many different options.","start":1026.135,"end":1037.5751,"sentiment":"neutral","sentiment_score":0.28772644519805907},{"text":"So they can look at it.","start":1037.5751,"end":1038.535,"sentiment":"neutral","sentiment_score":0.32082149883111316},{"text":"They can compare rates across.","start":1038.535,"end":1040.395,"sentiment":"neutral","sentiment_score":0.32281458377838135},{"text":"And a lot of them obviously still factor in all the big banks as well.","start":1041.05,"end":1044.4299,"sentiment":"neutral","sentiment_score":0.28902175823847454}],"sentiment":"neutral","sentiment_score":0.2954386202460628,"num_words":59,"start":1023.17,"end":1044.4299},{"sentences":[{"text":"So they can pull rates across all the banks and then give you, like, a proposal of well, based on your situation, this bank offers this rate or this bank offers this rate.","start":1044.73,"end":1054.91,"sentiment":"neutral","sentiment_score":0.11197874537020018},{"text":"And true.","start":1055.53,"end":1056.165,"sentiment":"neutral","sentiment_score":0.19999653100967407},{"text":"So I would and it doesn't cost anything to get a a review.","start":1057.685,"end":1061.4651,"sentiment":"neutral","sentiment_score":0.32359135150909424},{"text":"So if you want, it's up to you.","start":1061.925,"end":1064.165,"sentiment":"neutral","sentiment_score":0.3118024207651615},{"text":"If you have some friends that have a really good broker, it's always good to assess.","start":1064.165,"end":1068.405,"sentiment":"neutral","sentiment_score":0.28036812599748373}],"sentiment":"neutral","sentiment_score":0.21225400848521125,"num_words":72,"start":1044.73,"end":1068.405},{"sentences":[{"text":"But if not, we work very closely with a couple as well.","start":1068.405,"end":1072.4,"sentiment":"neutral","sentiment_score":0.24518724034229913},{"text":"So if you want me to, I can always pass on your contact details to them and get them to give you a call to see what rates and stuff they would be able to get for you.","start":1072.4,"end":1082.82,"sentiment":"neutral","sentiment_score":0.3259512589950311},{"text":"Is that something you would be interested in, or do you do you have some friends that you'd try to go to?","start":1083.12,"end":1088.945,"sentiment":"neutral","sentiment_score":0.12197312848134474},{"text":"Mhmm.","start":1092.605,"end":1093.105,"sentiment":"neutral","sentiment_score":0.05557020381093025},{"text":"Yes.","start":1095.245,"end":1095.745,"sentiment":"neutral","sentiment_score":0.0966142565011978}],"sentiment":"neutral","sentiment_score":0.24545929747054707,"num_words":74,"start":1068.405,"end":1095.745},{"sentences":[{"text":"Yes.","start":1099.34,"end":1099.84,"sentiment":"neutral","sentiment_score":0.10413095355033876},{"text":"Yes.","start":1103.9,"end":1104.4,"sentiment":"neutral","sentiment_score":0.05437156558036804},{"text":"Yeah.","start":1106.94,"end":1107.44,"sentiment":"neutral","sentiment_score":0.040464967489242554},{"text":"Then compare.","start":1108.86,"end":1109.76,"sentiment":"neutral","sentiment_score":0.030622947961091995},{"text":"Yes.","start":1112.005,"end":1112.4851,"sentiment":"neutral","sentiment_score":0.13605326414108276}],"sentiment":"neutral","sentiment_score":0.06604444111386935,"num_words":6,"start":1099.34,"end":1112.4851},{"sentences":[{"text":"And that's a good idea as well.","start":1112.4851,"end":1114.185,"sentiment":"positive","sentiment_score":0.34358642995357513},{"text":"And definitely shop around because sometimes you can get pretty good rates.","start":1114.5651,"end":1118.425,"sentiment":"neutral","sentiment_score":0.1925121508538723},{"text":"But sometimes, yeah, if if your bank, they they might be good as well.","start":1119.045,"end":1122.51,"sentiment":"neutral","sentiment_score":0.13841831151928222},{"text":"So definitely have a look at a couple of options because, yeah, you can usually get pretty good ones, but that's good.","start":1122.75,"end":1130.03,"sentiment":"neutral","sentiment_score":0.23811872269619594},{"text":"That's a good idea to to have a look at, especially if you're wanting to do some renovations and with the car loan and even with the personal loan potentially.","start":1130.03,"end":1138.615,"sentiment":"positive","sentiment_score":0.335057378311952}],"sentiment":"neutral","sentiment_score":0.2581581227043096,"num_words":85,"start":1112.4851,"end":1138.615},{"sentences":[{"text":"Like, I know it's almost done, but sometimes reducing everything and just have it into the one, if you can get cheaper rates, that will save you.","start":1138.675,"end":1146.6951,"sentiment":"neutral","sentiment_score":0.12822622695454844},{"text":"Yeah.","start":1149.6901,"end":1150.1901,"sentiment":"neutral","sentiment_score":-0.00631679967045784},{"text":"Yeah.","start":1152.01,"end":1152.51,"sentiment":"neutral","sentiment_score":-0.008417128585278988},{"text":"Yeah.","start":1165.545,"end":1166.045,"sentiment":"neutral","sentiment_score":0.02069264091551304},{"text":"Yeah.","start":1166.265,"end":1166.765,"sentiment":"neutral","sentiment_score":0.1418331265449524}],"sentiment":"neutral","sentiment_score":0.11644838603153344,"num_words":31,"start":1138.675,"end":1166.765},{"sentences":[{"text":"Yeah.","start":1167.625,"end":1168.125,"sentiment":"neutral","sentiment_score":0.3077128231525421},{"text":"And that's a good idea.","start":1168.345,"end":1169.465,"sentiment":"positive","sentiment_score":0.6606558799743653},{"text":"So, yeah, good that to have a look at that.","start":1169.465,"end":1171.885,"sentiment":"positive","sentiment_score":0.5908111095428467},{"text":"Let me know how you go.","start":1172.505,"end":1173.545,"sentiment":"positive","sentiment_score":0.38555386165777844},{"text":"If you do need any suggestions or if you are stuck on what to do, just give me a call with them in email, and we can always have a look at that for you.","start":1173.545,"end":1181.52,"sentiment":"neutral","sentiment_score":0.18433262460998126}],"sentiment":"neutral","sentiment_score":0.3207731289429623,"num_words":57,"start":1167.625,"end":1181.52},{"sentences":[{"text":"But that's that's a great idea.","start":1181.52,"end":1183.0599,"sentiment":"positive","sentiment_score":0.6167523165543874},{"text":"Anything else or that's if if you're seeing things to work on?","start":1184.48,"end":1188.34,"sentiment":"neutral","sentiment_score":0.03683882967258493},{"text":"Yeah.","start":1190.2649,"end":1190.7649,"sentiment":"neutral","sentiment_score":0.05436868965625763},{"text":"Perfect.","start":1191.625,"end":1192.125,"sentiment":"neutral","sentiment_score":0.29946622252464294},{"text":"And, otherwise, when it comes to superannuation, I have here that, ideally, you would love to retire at 60 and draw a weekly income of about $1,000 per week from super.","start":1192.745,"end":1203.245,"sentiment":"neutral","sentiment_score":0.12761555179472892}],"sentiment":"neutral","sentiment_score":0.16573523280813413,"num_words":51,"start":1181.52,"end":1203.245},{"sentences":[{"text":"Is that still the case?","start":1203.3849,"end":1205.54,"sentiment":"neutral","sentiment_score":0.053258154168725015},{"text":"Yep.","start":1207.76,"end":1208.26,"sentiment":"neutral","sentiment_score":0.17609533667564392},{"text":"Perfect.","start":1208.3201,"end":1208.8201,"sentiment":"positive","sentiment_score":0.34194332361221313},{"text":"And I guess in terms of superannuation goals, otherwise, I have here that your your focus is to make sure everything is set up correctly, that it is moving in the right direction, and, yeah, just making sure you are kind of growing it as much as you can.","start":1210.16,"end":1225.8351,"sentiment":"neutral","sentiment_score":0.21497408118175002},{"text":"Yeah.","start":1227.175,"end":1227.495,"sentiment":"neutral","sentiment_score":0.048964016139507294}],"sentiment":"neutral","sentiment_score":0.19942146359959192,"num_words":57,"start":1203.3849,"end":1227.495},{"sentences":[{"text":"That's still all kind of the the same?","start":1227.495,"end":1230.0751,"sentiment":"neutral","sentiment_score":0.050702087581157684},{"text":"Yeah.","start":1231.415,"end":1231.915,"sentiment":"neutral","sentiment_score":0.17720544338226318},{"text":"Perfect.","start":1231.975,"end":1232.475,"sentiment":"neutral","sentiment_score":0.30923992395401},{"text":"Now the next thing I quickly run over here with you, it's just a bit of an updated risk profile questionnaire.","start":1233.6,"end":1238.1,"sentiment":"neutral","sentiment_score":0.10483203579982121},{"text":"Just multiple choice to make it nice and easy, and that is just to see if we need to make any changes to your risk profile.","start":1238.64,"end":1244.34,"sentiment":"neutral","sentiment_score":0.12460445369092318}],"sentiment":"neutral","sentiment_score":0.11110965992536462,"num_words":57,"start":1227.495,"end":1244.34},{"sentences":[{"text":"If it doesn't make sense, just let me know.","start":1244.96,"end":1247.175,"sentiment":"neutral","sentiment_score":-0.020144394495420985},{"text":"Now have you ever bought direct shares on the stock market yourself?","start":1249.655,"end":1253.995,"sentiment":"neutral","sentiment_score":0.0058029573410749435},{"text":"Nope.","start":1255.655,"end":1256.155,"sentiment":"neutral","sentiment_score":0.016381919384002686},{"text":"Perfect.","start":1256.4551,"end":1256.9551,"sentiment":"positive","sentiment_score":0.5252262353897095},{"text":"Next is in regards to how much risk you are willing to take for your superannuation.","start":1260.07,"end":1265.1299,"sentiment":"neutral","sentiment_score":0.03391937306150794}],"sentiment":"neutral","sentiment_score":0.024939847727998708,"num_words":39,"start":1244.96,"end":1265.1299},{"sentences":[{"text":"Obviously, being a bit long term, would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation?","start":1265.75,"end":1278.145,"sentiment":"neutral","sentiment_score":-0.020210982043424558},{"text":"Middle?","start":1287.7401,"end":1288.2201,"sentiment":"neutral","sentiment_score":-0.018670743331313133},{"text":"Sorry.","start":1288.2201,"end":1288.4601,"sentiment":"neutral","sentiment_score":-0.02857552096247673},{"text":"About moderate or high?","start":1288.4601,"end":1290.8601,"sentiment":"neutral","sentiment_score":-0.00457296147942543},{"text":"No.","start":1290.8601,"end":1291.26,"sentiment":"neutral","sentiment_score":-0.023394055664539337}],"sentiment":"neutral","sentiment_score":-0.018751406809315085,"num_words":36,"start":1265.75,"end":1291.26},{"sentences":[{"text":"Moderate.","start":1291.26,"end":1291.76,"sentiment":"neutral","sentiment_score":0.007388715632259846},{"text":"Yep.","start":1291.9,"end":1292.4,"sentiment":"neutral","sentiment_score":0.1367451697587967},{"text":"Perfect.","start":1293.18,"end":1293.68,"sentiment":"positive","sentiment_score":0.4437481760978699},{"text":"And when it comes to volatility, so if after six months of placing an investment, you found out that your portfolio has decreased in value by 20% due to 20 to zero due to general trends in the market.","start":1294.4601,"end":1313.525,"sentiment":"neutral","sentiment_score":-0.09005899144670902},{"text":"So not like one particular investment that's gone bad, just kind of the market as a whole.","start":1313.525,"end":1318.76,"sentiment":"neutral","sentiment_score":-0.21128059003282995}],"sentiment":"neutral","sentiment_score":-0.11044387517781076,"num_words":59,"start":1291.26,"end":1318.76},{"sentences":[{"text":"Would you say that you if you had the option to do so, would think that now is a good time to put a little bit more in while the prices are down?","start":1320.34,"end":1328.2799,"sentiment":"neutral","sentiment_score":-0.07632169466127049},{"text":"Would you just kind of hold and wait to see what happens first, or would you want to sell out and move through a bit more of a secure asset?","start":1328.995,"end":1338.515,"sentiment":"neutral","sentiment_score":-0.15582053388158482},{"text":"So that means you're other than selling when the prices have Yes.","start":1338.515,"end":1353.07,"sentiment":"neutral","sentiment_score":-0.08007091594239076},{"text":"Yeah.","start":1355.365,"end":1355.865,"sentiment":"neutral","sentiment_score":-0.08411192893981934},{"text":"What we say.","start":1361.765,"end":1362.645,"sentiment":"neutral","sentiment_score":-0.09289645651976268}],"sentiment":"neutral","sentiment_score":-0.10780866114021856,"num_words":79,"start":1320.34,"end":1362.645},{"sentences":[{"text":"Yeah.","start":1362.645,"end":1363.145,"sentiment":"neutral","sentiment_score":-0.05762282386422157},{"text":"And it it is it is tricky because this just gives me it gives us an understanding of how your behavior would react in a situation.","start":1363.285,"end":1372.47,"sentiment":"neutral","sentiment_score":-0.13368988065765455},{"text":"Yeah.","start":1373.49,"end":1373.73,"sentiment":"neutral","sentiment_score":-0.019549040123820305},{"text":"Obviously, we factor in Yeah.","start":1373.73,"end":1376.71,"sentiment":"neutral","sentiment_score":-0.035802771151065824},{"text":"Yep.","start":1377.73,"end":1378.23,"sentiment":"neutral","sentiment_score":-0.07627089321613312}],"sentiment":"neutral","sentiment_score":-0.11201157382525065,"num_words":34,"start":1362.645,"end":1378.23},{"sentences":[{"text":"Just hold.","start":1379.8099,"end":1380.71,"sentiment":"neutral","sentiment_score":-0.14524774998426437},{"text":"Yeah.","start":1381.555,"end":1382.055,"sentiment":"neutral","sentiment_score":-0.030399292707443237},{"text":"Yeah.","start":1383.155,"end":1383.655,"sentiment":"neutral","sentiment_score":-0.043074578046798706},{"text":"And I completely understand that sometimes it is tricky because it's like, well, we are here to obviously help and guide you in the right direction and also factoring, you know, time frames and stuff like that.","start":1384.435,"end":1394.275,"sentiment":"neutral","sentiment_score":0.06390798707631089},{"text":"So there's a lot more that goes through it.","start":1394.275,"end":1396.05,"sentiment":"neutral","sentiment_score":-0.0762611904905902}],"sentiment":"neutral","sentiment_score":0.026285508733708413,"num_words":50,"start":1379.8099,"end":1396.05},{"sentences":[{"text":"This is kind of one component.","start":1396.29,"end":1398.31,"sentiment":"neutral","sentiment_score":-0.06397431902587414},{"text":"And and like I said, it's more so just in regards to your behavior.","start":1399.01,"end":1401.8301,"sentiment":"neutral","sentiment_score":-0.016221606704805578},{"text":"Because I can have clients who is, like, 20 who says, oh, yeah.","start":1401.9701,"end":1406.6101,"sentiment":"neutral","sentiment_score":-0.010947791572946768},{"text":"I got, you know, forty years for retirement.","start":1406.6101,"end":1409.1901,"sentiment":"neutral","sentiment_score":-0.010070784948766232},{"text":"But if super fluctuate a little bit, they are get super, super, super nervous about it, then I'm not gonna put you in a high risk even though you have time for it if you feel really uncomfortable.","start":1410.05,"end":1419.635,"sentiment":"neutral","sentiment_score":-0.2634633960888574}],"sentiment":"neutral","sentiment_score":-0.13728411429667775,"num_words":79,"start":1396.29,"end":1419.635},{"sentences":[{"text":"But then on the flip side, I could have a six year old who is planning on retiring in five years to go, no.","start":1420.095,"end":1425.9299,"sentiment":"neutral","sentiment_score":-0.010248351376503706},{"text":"I'm completely comfortable with that.","start":1425.9299,"end":1427.79,"sentiment":"neutral","sentiment_score":0.15666990578174592},{"text":"So yeah.","start":1428.49,"end":1429.69,"sentiment":"neutral","sentiment_score":0.29126328229904175},{"text":"So so there is obviously typical trends we see with, obviously, where you are, but behavior is one aspect.","start":1429.69,"end":1437.95,"sentiment":"neutral","sentiment_score":0.0024559032171964645},{"text":"So that's why these these questions, I know it is tricky, and often it's also, well, it's like, well, what type of investment?","start":1438.355,"end":1443.795,"sentiment":"neutral","sentiment_score":-0.016232950491425785}],"sentiment":"neutral","sentiment_score":0.01086602685335156,"num_words":73,"start":1420.095,"end":1443.795},{"sentences":[{"text":"If it's a great investment that you understand, then perfect.","start":1443.795,"end":1448.375,"sentiment":"neutral","sentiment_score":0.21249480098485946},{"text":"If it's a bit more speculative, then.","start":1448.435,"end":1450.535,"sentiment":"neutral","sentiment_score":0.0017868769355118275},{"text":"Yes.","start":1458.4601,"end":1458.9601,"sentiment":"neutral","sentiment_score":0.02225562185049057},{"text":"A little bit of both.","start":1467.355,"end":1468.575,"sentiment":"neutral","sentiment_score":-0.07061153575778008},{"text":"Yeah.","start":1468.635,"end":1469.0349,"sentiment":"neutral","sentiment_score":-0.01534842699766159}],"sentiment":"neutral","sentiment_score":0.07463773601921275,"num_words":24,"start":1443.795,"end":1469.0349},{"sentences":[{"text":"No.","start":1469.0349,"end":1469.355,"sentiment":"neutral","sentiment_score":-0.05214497819542885},{"text":"And that and that makes sense.","start":1469.355,"end":1471.2949,"sentiment":"neutral","sentiment_score":0.10799605151017506},{"text":"And the no.","start":1472.1549,"end":1477.13,"sentiment":"neutral","sentiment_score":-0.022571168839931488},{"text":"No.","start":1477.13,"end":1477.63,"sentiment":"neutral","sentiment_score":-0.117359921336174},{"text":"And we we have you kind of in a good middle range at the moment, so I'll kind of go through that as well.","start":1478.33,"end":1483.0499,"sentiment":"neutral","sentiment_score":0.31336146406829357}],"sentiment":"neutral","sentiment_score":0.22661237258996283,"num_words":35,"start":1469.0349,"end":1483.0499},{"sentences":[{"text":"But the last question here is just in regards to borrowing money.","start":1483.0499,"end":1485.95,"sentiment":"neutral","sentiment_score":-0.01689389906823635},{"text":"So would you ever consider taking out a loan to buy an investment property or just kind of against your own property?","start":1486.57,"end":1496.245,"sentiment":"neutral","sentiment_score":-0.018896551633423023},{"text":"Mhmm.","start":1500.3849,"end":1500.8849,"sentiment":"neutral","sentiment_score":0.028983503580093384},{"text":"Yep.","start":1501.745,"end":1502.245,"sentiment":"neutral","sentiment_score":0.1254405677318573},{"text":"No.","start":1510.3301,"end":1510.73,"sentiment":"neutral","sentiment_score":-0.0292980819940567}],"sentiment":"neutral","sentiment_score":-0.01333310636314186,"num_words":37,"start":1483.0499,"end":1510.73},{"sentences":[{"text":"Okay.","start":1510.73,"end":1511.23,"sentiment":"neutral","sentiment_score":0.12214238196611404},{"text":"Perfect.","start":1511.29,"end":1511.79,"sentiment":"positive","sentiment_score":0.4135864973068238},{"text":"And, basically, overall, this tells me here that you have come out as a growth investor, which is the portfolio we currently have you invested, which is kind of in the middle where you are focusing on growing your superannuation as much as possible while you do have plenty of time until retirement.","start":1512.89,"end":1529.2949,"sentiment":"neutral","sentiment_score":0.2113947349618066},{"text":"You know, there will be some level of fluctuations in order to try to grow that for you.","start":1530.49,"end":1535.15,"sentiment":"neutral","sentiment_score":0.08294829395082262},{"text":"But you also want, you know, a little bit of that defensive as well to limit fluctuation.","start":1535.45,"end":1539.71,"sentiment":"neutral","sentiment_score":0.08869748694055221}],"sentiment":"neutral","sentiment_score":0.16378418223725424,"num_words":90,"start":1510.73,"end":1539.71},{"sentences":[{"text":"So on this scale, just so you know as well, we have your aggressive plus, which is your kind of super risky where you're borrowing money against things, and then you have aggressive, high growth growth, which is where you are at the moment.","start":1541.45,"end":1554.245,"sentiment":"neutral","sentiment_score":0.09465893023562702},{"text":"And then we have your balance growth and balance.","start":1554.705,"end":1557.125,"sentiment":"neutral","sentiment_score":0.08800949901342392},{"text":"And we often see, obviously, the the closer you move to retirement and have less time, we then gradually typically start reducing that.","start":1557.24,"end":1565.32,"sentiment":"neutral","sentiment_score":0.011726134011278982},{"text":"So you are in a good time frame.","start":1565.32,"end":1567.24,"sentiment":"neutral","sentiment_score":0.19225057307630777},{"text":"Like, you're in a good kind of middle position, still growing.","start":1567.24,"end":1570.78,"sentiment":"neutral","sentiment_score":0.2116870419545607}],"sentiment":"neutral","sentiment_score":0.09571938473535212,"num_words":95,"start":1541.45,"end":1570.78},{"sentences":[{"text":"And time frame wise, we're looking at about minimum, we'd like to say six years on retirement, making sure you have enough time in the market.","start":1571.385,"end":1579.3251,"sentiment":"neutral","sentiment_score":0.1677925162590467},{"text":"So from from all of that, it is a suitable portfolio as long as you're still comfortable to remain as a growth investor.","start":1579.385,"end":1585.965,"sentiment":"neutral","sentiment_score":0.21390022272649017},{"text":"Yep.","start":1587.48,"end":1587.88,"sentiment":"neutral","sentiment_score":0.27655643224716187},{"text":"Great.","start":1587.88,"end":1588.38,"sentiment":"positive","sentiment_score":0.6406645774841309},{"text":"Perfect.","start":1589.64,"end":1590.14,"sentiment":"positive","sentiment_score":0.595457911491394}],"sentiment":"neutral","sentiment_score":0.20759595128206107,"num_words":52,"start":1571.385,"end":1590.14},{"sentences":[{"text":"Now the last thing here is just to give you a bit of an update on your portfolio and everything.","start":1590.52,"end":1594.7001,"sentiment":"neutral","sentiment_score":0.19517440348863602},{"text":"So do you have access to your emails at the moment, Lauren?","start":1594.8401,"end":1597.98,"sentiment":"neutral","sentiment_score":0.07624936072776715},{"text":"Perfect.","start":1599.255,"end":1599.755,"sentiment":"neutral","sentiment_score":0.07492672652006149},{"text":"So I have just sent you an email with some documents to go through.","start":1599.895,"end":1604.3151,"sentiment":"neutral","sentiment_score":0.29625198245048523},{"text":"If you could access that for me, that would be great.","start":1605.3351,"end":1608.635,"sentiment":"positive","sentiment_score":0.4878285283392126}],"sentiment":"neutral","sentiment_score":0.24839739122524343,"num_words":58,"start":1590.52,"end":1608.635},{"sentences":[{"text":"And it probably looks a bit different to what you were used to because we have changed our software.","start":1610.055,"end":1615.65,"sentiment":"neutral","sentiment_score":-0.1193814920751672},{"text":"So yeah.","start":1621.3099,"end":1621.87,"sentiment":"neutral","sentiment_score":0.028629663400352},{"text":"So there should say a link, sign documents before you click on that.","start":1621.87,"end":1626.915,"sentiment":"neutral","sentiment_score":0.03354768999494039},{"text":"At the bottom of the email, can you see a couple of attachments?","start":1628.1951,"end":1631.0951,"sentiment":"neutral","sentiment_score":0.03817104505231747},{"text":"Yes.","start":1632.435,"end":1632.935,"sentiment":"neutral","sentiment_score":0.0624687597155571}],"sentiment":"neutral","sentiment_score":-0.02533701473536591,"num_words":48,"start":1610.055,"end":1632.935},{"sentences":[{"text":"Okay.","start":1633.0751,"end":1633.5751,"sentiment":"neutral","sentiment_score":0.15116353332996368},{"text":"Perfect.","start":1633.7151,"end":1634.2151,"sentiment":"positive","sentiment_score":0.3420267701148987},{"text":"So what you should be able to see first is one where it says OQ services guide and then an OQ financial services guide.","start":1634.5951,"end":1644.5,"sentiment":"neutral","sentiment_score":0.10206455364823341},{"text":"I will let you had a read over these in your own time.","start":1644.64,"end":1647.52,"sentiment":"neutral","sentiment_score":0.07985895127058029},{"text":"You would have seen this one before.","start":1647.52,"end":1648.96,"sentiment":"neutral","sentiment_score":0.038420523915972025}],"sentiment":"neutral","sentiment_score":0.09238803532460461,"num_words":46,"start":1633.0751,"end":1648.96},{"sentences":[{"text":"Every time is one of those compliance documents.","start":1648.96,"end":1652.1,"sentiment":"neutral","sentiment_score":0.034688184736296535},{"text":"Not much has changed in terms of important information.","start":1652.4,"end":1655.14,"sentiment":"neutral","sentiment_score":-0.04325121765335401},{"text":"It's all in there for you.","start":1655.7949,"end":1657.735,"sentiment":"neutral","sentiment_score":0.1855122148990631},{"text":"We've had a bit of a revamp to marketing.","start":1658.115,"end":1660.195,"sentiment":"neutral","sentiment_score":0.037145111709833145},{"text":"So when you do have a look at it, you'll see a couple of new photos and marketing, and we've also had a bit of an extension to the team.","start":1660.195,"end":1666.995,"sentiment":"neutral","sentiment_score":0.14637040173014004}],"sentiment":"neutral","sentiment_score":0.0923667075112462,"num_words":62,"start":1648.96,"end":1666.995},{"sentences":[{"text":"So when you have a moment, you wanna have a look through them, that's all in there.","start":1666.995,"end":1671.09,"sentiment":"neutral","sentiment_score":0.16060752202482784},{"text":"And if you do have a look at it, you will also see my face there if you do wanna put a, you know, a face to the voice.","start":1671.09,"end":1676.79,"sentiment":"neutral","sentiment_score":0.08804692918884344},{"text":"Perfect.","start":1678.53,"end":1679.03,"sentiment":"positive","sentiment_score":0.33356666564941406},{"text":"Now do you also have one where it says super and insurance summary?","start":1679.33,"end":1682.9501,"sentiment":"neutral","sentiment_score":0.09488615680199403},{"text":"Yeah.","start":1684.2051,"end":1684.4451,"sentiment":"neutral","sentiment_score":0.18286634981632233}],"sentiment":"neutral","sentiment_score":0.11530560450475724,"num_words":61,"start":1666.995,"end":1684.4451},{"sentences":[{"text":"Perfect.","start":1684.4451,"end":1684.845,"sentiment":"positive","sentiment_score":0.3448522090911865},{"text":"If you could open that one for me.","start":1684.845,"end":1686.625,"sentiment":"neutral","sentiment_score":0.17679481953382492},{"text":"So you have your super with hub 24, and you do have a $371,155 in them.","start":1688.2051,"end":1698.385,"sentiment":"neutral","sentiment_score":0.1329317856580019},{"text":"Now you also have some insurances with Neos.","start":1699.2201,"end":1701.8,"sentiment":"neutral","sentiment_score":0.15866192243993282},{"text":"So you have your life and total permanent disability insurance, and that is 330,750.","start":1702.18,"end":1711.7201,"sentiment":"neutral","sentiment_score":0.18623540018286025}],"sentiment":"neutral","sentiment_score":0.1651640493184962,"num_words":47,"start":1684.4451,"end":1711.7201},{"sentences":[{"text":"Are you still comfortable and happy with that level of cover if something were to happen?","start":1712.305,"end":1716.5651,"sentiment":"neutral","sentiment_score":0.17118378542363644},{"text":"Yeah.","start":1718.225,"end":1718.725,"sentiment":"neutral","sentiment_score":0.13764619827270508},{"text":"Yeah.","start":1719.5851,"end":1720.0851,"sentiment":"neutral","sentiment_score":-0.09488964825868608},{"text":"And, obviously, because you don't really have any debts or whatever little you have left will be easily paid off with this.","start":1720.9451,"end":1728.9,"sentiment":"neutral","sentiment_score":0.26646286858753726},{"text":"Plus, obviously, that covers, you know, if anything ever were to happen in your car park, it will then obviously give you a bit of income replacement if something were to happen, and then plus the the super balance as well.","start":1729.04,"end":1740.175,"sentiment":"neutral","sentiment_score":0.28435733987063894}],"sentiment":"neutral","sentiment_score":0.25064853284461996,"num_words":81,"start":1712.305,"end":1740.175},{"sentences":[{"text":"Or if something were to happen to you, that will then go to your fund as well.","start":1740.175,"end":1743.555,"sentiment":"neutral","sentiment_score":0.2234488497762119},{"text":"So you also have your income protection.","start":1744.495,"end":1747.395,"sentiment":"neutral","sentiment_score":0.15795149121965682},{"text":"Now the income protection will pay a monthly amount of 5,878 with a thirty day waiting period and a five year benefit period.","start":1748.015,"end":1759.5,"sentiment":"neutral","sentiment_score":0.16179732298073563},{"text":"All of those are paid from superannuation.","start":1760.68,"end":1762.78,"sentiment":"neutral","sentiment_score":0.1560851080077035},{"text":"You do get a tax rebate.","start":1763.16,"end":1765.425,"sentiment":"neutral","sentiment_score":0.2603147278229396}],"sentiment":"neutral","sentiment_score":0.1880018906046947,"num_words":60,"start":1740.175,"end":1765.425},{"sentences":[{"text":"So after that, it's about 3,310 for all those three.","start":1765.485,"end":1769.505,"sentiment":"neutral","sentiment_score":0.1608692489564419},{"text":"You still happy with the income protection as well?","start":1769.885,"end":1772.7051,"sentiment":"positive","sentiment_score":0.4095922244919671},{"text":"Yep.","start":1775.005,"end":1775.505,"sentiment":"neutral","sentiment_score":0.28252851963043213},{"text":"Perfect.","start":1775.5651,"end":1776.0651,"sentiment":"positive","sentiment_score":0.5478343963623047},{"text":"Now if you can then open the next one, which should see actually, do you have a NEO certificate of currency next?","start":1777.4099,"end":1785.4299,"sentiment":"neutral","sentiment_score":0.11312637342648073}],"sentiment":"neutral","sentiment_score":0.2003294335201729,"num_words":43,"start":1765.485,"end":1785.4299},{"sentences":[{"text":"Yeah.","start":1794.7849,"end":1795.2849,"sentiment":"neutral","sentiment_score":0.15432003140449524},{"text":"Yeah.","start":1796.7849,"end":1797.2849,"sentiment":"neutral","sentiment_score":0.13719183206558228},{"text":"And this one here, it's just breaking down your insurances in a bit more detail.","start":1797.345,"end":1801.525,"sentiment":"neutral","sentiment_score":0.13105038553476334},{"text":"But it basically just lets you know that everything is paid and up to date for you.","start":1802.3201,"end":1806.8201,"sentiment":"neutral","sentiment_score":0.18503381311893463},{"text":"And the next one is your twelve month performance report.","start":1808.7201,"end":1812.4801,"sentiment":"neutral","sentiment_score":0.0896364577114582}],"sentiment":"neutral","sentiment_score":0.1431637965142727,"num_words":44,"start":1794.7849,"end":1812.4801},{"sentences":[{"text":"If you can open that one for me.","start":1812.4801,"end":1814.235,"sentiment":"neutral","sentiment_score":0.10557501204311848},{"text":"Just let me know when that one's loaded for you.","start":1825.755,"end":1828.095,"sentiment":"neutral","sentiment_score":0.11751142889261246},{"text":"Yep.","start":1834.44,"end":1834.84,"sentiment":"neutral","sentiment_score":0.07075130194425583},{"text":"Perfect.","start":1834.84,"end":1835.34,"sentiment":"positive","sentiment_score":0.48092079162597656},{"text":"Now this one can look a little bit messy sometimes, but it it does break down all of your investments.","start":1836.2,"end":1842.94,"sentiment":"neutral","sentiment_score":0.0077730992808938025}],"sentiment":"neutral","sentiment_score":0.06817121161147952,"num_words":40,"start":1812.4801,"end":1842.94},{"sentences":[{"text":"So you can see all of your investments, how how they have performed, and what's happened in the last twelve months.","start":1843.685,"end":1849.545,"sentiment":"neutral","sentiment_score":0.09225401849973769},{"text":"Now on the second page, you should see where it says total portfolio.","start":1850.645,"end":1857.465,"sentiment":"neutral","sentiment_score":0.04357336418559918},{"text":"Now that one here tells us that in the last twelve months now, we have seen quite a bit of fluctuations in the market in the last twelve months.","start":1860.3,"end":1867.04,"sentiment":"neutral","sentiment_score":-0.012263168388142669},{"text":"First, you obviously had everything in The US and Trump and everything, and more recently, obviously, the war.","start":1867.34,"end":1874.055,"sentiment":"neutral","sentiment_score":-0.04994806523124377},{"text":"So we have seen quite a bit of fluctuation in the last twelve months.","start":1874.055,"end":1877.355,"sentiment":"neutral","sentiment_score":-0.09602724601115499}],"sentiment":"neutral","sentiment_score":-0.0010030566175517283,"num_words":95,"start":1843.685,"end":1877.355},{"sentences":[{"text":"Despite that, though, your portfolio overall has held up really well.","start":1878.535,"end":1882.795,"sentiment":"neutral","sentiment_score":0.3242410011589527},{"text":"So in the last twelve months, after all fees have come out of your account, your portfolio has still gone up by 10.51%, which we're really happy with.","start":1883.175,"end":1894.4,"sentiment":"positive","sentiment_score":0.5372477482472148},{"text":"Now with your portfolio as well, if you scroll up to that first page again for me where it says all the different investments, if you look at the second column to the right versus internal rate of return, that breaks down the investment return on each of your investment.","start":1895.98,"end":1914.4349,"sentiment":"neutral","sentiment_score":0.1250484076142311},{"text":"So you can see here that the one that has brackets next to it or behind it, they are down.","start":1915.6499,"end":1922.87,"sentiment":"neutral","sentiment_score":0.08038528691977262},{"text":"The others are all positive.","start":1923.09,"end":1924.7899,"sentiment":"positive","sentiment_score":0.35130594074726107}],"sentiment":"neutral","sentiment_score":0.24759862970626145,"num_words":114,"start":1878.535,"end":1924.7899},{"sentences":[{"text":"So when we do design your portfolio as well is you wanna make sure we focus on a lot of diversification.","start":1925.33,"end":1930.3899,"sentiment":"neutral","sentiment_score":0.2885363939262572},{"text":"So if there are times in the market with one thing is doing really well, like you can see here, your Global X battery tech and lithium has gone up a 109%, which is crazy, which also is obviously everything with fuel prices, and that one focuses on, obviously, the the batteries and lithium that goes in through electric vehicles and stuff.","start":1931.9249,"end":1951.64,"sentiment":"neutral","sentiment_score":0.22295486975100734},{"text":"So that one has gone through the roof.","start":1951.78,"end":1953.72,"sentiment":"neutral","sentiment_score":0.302948210388422},{"text":"So they're kind of designed to balance itself up.","start":1953.86,"end":1956.465,"sentiment":"neutral","sentiment_score":0.30224184857474434},{"text":"So in the event that some areas are doing really well, it then kind of complements other areas.","start":1957.025,"end":1962.245,"sentiment":"neutral","sentiment_score":0.2799784615635872}],"sentiment":"neutral","sentiment_score":0.25479526123252966,"num_words":118,"start":1925.33,"end":1962.245},{"sentences":[{"text":"So, overall, it balance your portfolio.","start":1962.3049,"end":1964.645,"sentiment":"neutral","sentiment_score":0.2256974975268046},{"text":"But with that, though, we have done a lot of research on the investments because things are always changing.","start":1965.9049,"end":1972.18,"sentiment":"neutral","sentiment_score":0.0851087707437967},{"text":"So we wanna make sure that at all points in time, we have you in the best investment possible.","start":1972.64,"end":1976.66,"sentiment":"neutral","sentiment_score":0.26923658659583644},{"text":"And if we do a lot of research on an investment and we foresee that it's kind of underperforming a little bit and we don't foresee it coming back around as much, then we wanna look at swapping things out for you.","start":1976.96,"end":1987.935,"sentiment":"neutral","sentiment_score":-0.03841086330690554},{"text":"So on the top one here where you see you've been along Australian equities, I would like to do a bit more research on looking at swapping this one out for you.","start":1988.075,"end":1996.555,"sentiment":"neutral","sentiment_score":0.08401253155898303}],"sentiment":"neutral","sentiment_score":0.0776431485221295,"num_words":118,"start":1962.3049,"end":1996.555},{"sentences":[{"text":"So the investment committee, that's the at the top one, all the way to the top where you manage fund.","start":1996.555,"end":2003.84,"sentiment":"neutral","sentiment_score":0.018862511264160275},{"text":"Yes.","start":2003.84,"end":2004.34,"sentiment":"neutral","sentiment_score":0.11862503737211227},{"text":"Yep.","start":2004.5599,"end":2005.0599,"sentiment":"neutral","sentiment_score":0.2089687287807465},{"text":"That one has underperformed a little bit recently.","start":2005.52,"end":2008.42,"sentiment":"neutral","sentiment_score":0.27125309966504574},{"text":"So the reason that was added to your portfolio was because they were the one of the best performing fund managers, and they were doing really, really well.","start":2008.48,"end":2017.595,"sentiment":"positive","sentiment_score":0.40392929315567017}],"sentiment":"neutral","sentiment_score":0.2445670516743999,"num_words":58,"start":1996.555,"end":2017.595},{"sentences":[{"text":"More recently, they have underperformed a little bit and been a little bit slower in making their decision.","start":2018.215,"end":2022.955,"sentiment":"neutral","sentiment_score":-0.2602900473607911},{"text":"And after doing quite a bit of research, we feel like there are better options out there that's going to put you in a better position.","start":2023.735,"end":2029.28,"sentiment":"neutral","sentiment_score":0.030642270755309325},{"text":"So if you are happy for me to do so, I would like to do a bit more research and put together a proposal of looking at swapping this one for you for a better alternative option.","start":2029.5801,"end":2040.24,"sentiment":"neutral","sentiment_score":0.20797692692360362},{"text":"Are you happy for me to do that?","start":2040.5449,"end":2042.245,"sentiment":"neutral","sentiment_score":0.28472549468278885},{"text":"Yeah.","start":2043.9049,"end":2044.385,"sentiment":"neutral","sentiment_score":0.21546268463134768}],"sentiment":"neutral","sentiment_score":0.06999879028234217,"num_words":90,"start":2018.215,"end":2044.385},{"sentences":[{"text":"Perfect.","start":2044.385,"end":2044.885,"sentiment":"positive","sentiment_score":0.49077653884887695},{"text":"Now it will take me about a week or so to put it all together because I wanna make sure I also factor in that if I'm obviously selling some investments for others, I wanna minimize any tax potential that would be there.","start":2046.625,"end":2059.8801,"sentiment":"neutral","sentiment_score":0.2703565792288891},{"text":"And then it'll also give you an overview of, you know, the fees changes and performance and stuff like that so you can also see it.","start":2060.1802,"end":2067.86,"sentiment":"neutral","sentiment_score":0.24351276056124613},{"text":"But it's also a good kind of check-in to see, well, okay, a bit of an updated projection of where things are tracking right now, and that might help you as well when you do decide if you wanna put a little bit more in or not the way things are kind of on track.","start":2067.86,"end":2080.89,"sentiment":"neutral","sentiment_score":0.22131523496725342},{"text":"So when is a good time for you to kind of go through that with me?","start":2081.7698,"end":2087.47,"sentiment":"neutral","sentiment_score":0.12076437077485025}],"sentiment":"neutral","sentiment_score":0.23086531259489398,"num_words":141,"start":2044.385,"end":2087.47},{"sentences":[{"text":"Yes.","start":2092.3298,"end":2092.8298,"sentiment":"neutral","sentiment_score":0.0579032301902771},{"text":"So do you have any time next week?","start":2093.0498,"end":2098.4648,"sentiment":"neutral","sentiment_score":0.04564601136371493},{"text":"Yes.","start":2102.6848,"end":2103.1848,"sentiment":"neutral","sentiment_score":0.13012617826461792},{"text":"Yep.","start":2106.7,"end":2107.1,"sentiment":"neutral","sentiment_score":0.07782238721847534},{"text":"Okay.","start":2107.1,"end":2107.5,"sentiment":"neutral","sentiment_score":0.06383439898490906}],"sentiment":"neutral","sentiment_score":0.05790452379733324,"num_words":12,"start":2092.3298,"end":2107.5},{"sentences":[{"text":"Let me do you prefer mornings or afternoons, typically?","start":2107.5,"end":2110.32,"sentiment":"neutral","sentiment_score":0.06237409346633487},{"text":"Doesn't matter?","start":2114.46,"end":2115.2,"sentiment":"neutral","sentiment_score":0.012642936781048775},{"text":"Okay.","start":2115.26,"end":2115.76,"sentiment":"neutral","sentiment_score":0.0566423200070858},{"text":"Alright.","start":2117.26,"end":2117.74,"sentiment":"neutral","sentiment_score":0.08066344261169434},{"text":"Let me have a look.","start":2117.74,"end":2119.12,"sentiment":"neutral","sentiment_score":0.043717747926712035}],"sentiment":"neutral","sentiment_score":0.05236373427841398,"num_words":18,"start":2107.5,"end":2119.12},{"sentences":[{"text":"Yeah.","start":2122.555,"end":2122.795,"sentiment":"neutral","sentiment_score":0.045737385749816895},{"text":"Okay.","start":2122.795,"end":2123.035,"sentiment":"neutral","sentiment_score":0.179505854845047},{"text":"Perfect.","start":2123.035,"end":2123.515,"sentiment":"positive","sentiment_score":0.33755236864089966},{"text":"So I could either do Thursday, the fourteenth, and I can do at 10AM.","start":2123.515,"end":2129.855,"sentiment":"neutral","sentiment_score":0.07757935406906265},{"text":"Okay.","start":2132.49,"end":2132.99,"sentiment":"neutral","sentiment_score":-0.0074297599494457245}],"sentiment":"neutral","sentiment_score":0.09119315590295526,"num_words":18,"start":2122.555,"end":2132.99},{"sentences":[{"text":"No.","start":2133.29,"end":2133.61,"sentiment":"neutral","sentiment_score":-0.07134978473186493},{"text":"Let's not do that.","start":2133.61,"end":2134.75,"sentiment":"neutral","sentiment_score":-0.08881833590567112},{"text":"Otherwise, I can do Thursday the fourteenth again at 2PM, or I could do Tuesday the twelfth at 04:30.","start":2135.45,"end":2147.675,"sentiment":"neutral","sentiment_score":0.01177586610183904},{"text":"04:30?","start":2149.655,"end":2150.2952,"sentiment":"neutral","sentiment_score":0.031440384685993195},{"text":"Okay.","start":2150.2952,"end":2150.695,"sentiment":"neutral","sentiment_score":0.1015246957540512}],"sentiment":"neutral","sentiment_score":-0.0026890996915216636,"num_words":26,"start":2133.29,"end":2150.695},{"sentences":[{"text":"Perfect.","start":2150.695,"end":2151.175,"sentiment":"neutral","sentiment_score":0.16867026686668396},{"text":"So this Tuesday the twelfth at 04:30.","start":2151.175,"end":2153.915,"sentiment":"neutral","sentiment_score":0.07249967328139714},{"text":"Now if anything does change and you can't make it or work or anything like that, just let me know, and I'll see if I can shuffle a few things around for you.","start":2154.2952,"end":2164.76,"sentiment":"neutral","sentiment_score":-0.001052759305545778},{"text":"Otherwise, do you want a reminder text sent, like, two hours before the appointment just as a little Yeah.","start":2165.94,"end":2171.48,"sentiment":"neutral","sentiment_score":0.10441001690924168},{"text":"Beautiful.","start":2174.0352,"end":2174.5352,"sentiment":"positive","sentiment_score":0.6885771155357361}],"sentiment":"neutral","sentiment_score":0.054324497697783296,"num_words":61,"start":2150.695,"end":2174.5352},{"sentences":[{"text":"That's all locked in on next Tuesday at 04:30.","start":2174.595,"end":2179.2551,"sentiment":"neutral","sentiment_score":0.2845570494731267},{"text":"Now the last thing with those documents there, Lauren, it's just then if you are happy to do so, it's through click process sign now, and it will ask you to sign through document.","start":2180.0352,"end":2191.71,"sentiment":"neutral","sentiment_score":0.11833170702790513},{"text":"Now yep.","start":2193.53,"end":2195.39,"sentiment":"neutral","sentiment_score":0.028961068019270897},{"text":"Now just so you know as well what it is to sign is that the first one is an ongoing service agreement.","start":2199.2249,"end":2206.285,"sentiment":"neutral","sentiment_score":0.0857828672636639},{"text":"Now that one here, just the usual, just to say that you are happy to remain and stay on as a client, There is no changes whatsoever in regards to the fee structure.","start":2206.9849,"end":2217.25,"sentiment":"neutral","sentiment_score":0.12179309152292483}],"sentiment":"neutral","sentiment_score":0.12548608720302581,"num_words":100,"start":2174.595,"end":2217.25},{"sentences":[{"text":"So that stays exactly the same at 1.65 from super.","start":2217.25,"end":2221.51,"sentiment":"neutral","sentiment_score":0.16046062409877776},{"text":"No changes in regards to that, and it is not a locked contract.","start":2221.97,"end":2225.505,"sentiment":"neutral","sentiment_score":-0.0019410960376262665},{"text":"So if at any point in time you are not happy, there is no lock in contract.","start":2225.505,"end":2230.005,"sentiment":"neutral","sentiment_score":-0.025665872456396326},{"text":"So this lets us service you in the meantime and keep everything rolling for you.","start":2230.2249,"end":2235.2048,"sentiment":"neutral","sentiment_score":0.27793933351834615},{"text":"And then the last one is a compliance form.","start":2236.625,"end":2240.0198,"sentiment":"neutral","sentiment_score":0.13433991455369526}],"sentiment":"neutral","sentiment_score":0.10189377178903669,"num_words":64,"start":2217.25,"end":2240.0198},{"sentences":[{"text":"It is a tax file number form.","start":2240.0198,"end":2242.66,"sentiment":"neutral","sentiment_score":0.14500037367854798},{"text":"And that's just to say that we are keeping your tax file number secure and safe on file, essentially.","start":2242.66,"end":2247.88,"sentiment":"neutral","sentiment_score":0.23419027344176643},{"text":"Yes.","start":2252.595,"end":2253.075,"sentiment":"neutral","sentiment_score":0.1798361837863922},{"text":"Yes, please.","start":2253.075,"end":2253.975,"sentiment":"neutral","sentiment_score":0.24909378588199615},{"text":"Yep.","start":2254.035,"end":2254.535,"sentiment":"neutral","sentiment_score":0.2309415638446808}],"sentiment":"neutral","sentiment_score":0.2124527710179488,"num_words":30,"start":2240.0198,"end":2254.535},{"sentences":[{"text":"And then once you've added the signature, it should see say validate, I believe.","start":2254.835,"end":2260.135,"sentiment":"neutral","sentiment_score":0.1976810438292367},{"text":"Yes.","start":2269.73,"end":2270.13,"sentiment":"neutral","sentiment_score":0.1808338314294815},{"text":"I can I can actually see it's already come through, which is great?","start":2270.13,"end":2273.3499,"sentiment":"positive","sentiment_score":0.5433627917216375},{"text":"Now there is so that you can click and download the documents if you ever wanna go and have a look at them.","start":2273.8098,"end":2278.53,"sentiment":"positive","sentiment_score":0.37558117768038873},{"text":"You don't have to.","start":2278.53,"end":2279.945,"sentiment":"neutral","sentiment_score":0.32642263919115067}],"sentiment":"positive","sentiment_score":0.3628389523787932,"num_words":55,"start":2254.835,"end":2279.945},{"sentences":[{"text":"I always have a copy on file as well.","start":2279.945,"end":2281.945,"sentiment":"positive","sentiment_score":0.36454150080680847},{"text":"So if at any point in time you want access to them, just let me know, and I can always get them emailed to you as well.","start":2281.945,"end":2287.565,"sentiment":"neutral","sentiment_score":0.32594432433446247},{"text":"Otherwise, I do have you booked in next Tuesday to go through the little research on your super investment.","start":2289.065,"end":2294.605,"sentiment":"neutral","sentiment_score":0.27838042456852763},{"text":"But do you have any other questions or need anything else from me before I let you go?","start":2295.56,"end":2299.88,"sentiment":"neutral","sentiment_score":0.20719878623882929},{"text":"And enjoy the rest of your day, otherwise, Laura.","start":2299.88,"end":2302.62,"sentiment":"positive","sentiment_score":0.44379889965057373}],"sentiment":"neutral","sentiment_score":0.30602886073473023,"num_words":82,"start":2279.945,"end":2302.62},{"sentences":[{"text":"Mhmm.","start":2312.9348,"end":2313.015,"sentiment":"neutral","sentiment_score":-0.02382713183760643},{"text":"From the balance.","start":2313.015,"end":2313.9749,"sentiment":"neutral","sentiment_score":0.005514728836715221},{"text":"Yep.","start":2313.9749,"end":2314.375,"sentiment":"neutral","sentiment_score":0.12253962457180025},{"text":"Perfect.","start":2314.375,"end":2314.775,"sentiment":"neutral","sentiment_score":0.29101571440696716},{"text":"So when we started so on the in the report, so on the 05/02/2025, your super balance was at 326,000 541.","start":2314.775,"end":2331.46,"sentiment":"neutral","sentiment_score":0.058622415931451885}],"sentiment":"neutral","sentiment_score":0.06064233808191838,"num_words":27,"start":2312.9348,"end":2331.46},{"sentences":[{"text":"So 326541.","start":2331.9202,"end":2335.94,"sentiment":"neutral","sentiment_score":0.017369549721479416},{"text":"Yep.","start":2336.625,"end":2336.865,"sentiment":"neutral","sentiment_score":0.04622294753789902},{"text":"And now it's at $372.05 5.","start":2336.865,"end":2343.525,"sentiment":"neutral","sentiment_score":0.05529630556702614},{"text":"Yep.","start":2348.96,"end":2349.46,"sentiment":"neutral","sentiment_score":0.150595560669899},{"text":"And let's see here.","start":2351.3599,"end":2352.96,"sentiment":"neutral","sentiment_score":0.24756855890154839}],"sentiment":"neutral","sentiment_score":0.1109721197613648,"num_words":14,"start":2331.9202,"end":2352.96},{"sentences":[{"text":"And I'm just in your account right now, and it's gone up a little bit more, which is great.","start":2352.96,"end":2358.72,"sentiment":"positive","sentiment_score":0.33755656684699814},{"text":"Sorry.","start":2358.72,"end":2359.2,"sentiment":"neutral","sentiment_score":0.0027792789041996},{"text":"It's at three hundred and seventy three at $5.17 as of today.","start":2359.2,"end":2364.915,"sentiment":"neutral","sentiment_score":0.01218813331797719},{"text":"Yes.","start":2368.7349,"end":2369.135,"sentiment":"neutral","sentiment_score":0.058473140001297},{"text":"Correct.","start":2369.135,"end":2369.635,"sentiment":"neutral","sentiment_score":0.09419041126966476}],"sentiment":"neutral","sentiment_score":0.19750809412011328,"num_words":34,"start":2352.96,"end":2369.635},{"sentences":[{"text":"Yeah.","start":2369.935,"end":2370.335,"sentiment":"neutral","sentiment_score":0.12573134899139404},{"text":"Because this document was prepared on the May 1.","start":2370.335,"end":2373.315,"sentiment":"neutral","sentiment_score":0.1483740227089988},{"text":"Yeah.","start":2374.575,"end":2375.075,"sentiment":"neutral","sentiment_score":0.10230030119419098},{"text":"Yep.","start":2375.34,"end":2375.58,"sentiment":"neutral","sentiment_score":0.1363728940486908},{"text":"Perfect.","start":2375.58,"end":2376.06,"sentiment":"neutral","sentiment_score":0.30738356709480286}],"sentiment":"neutral","sentiment_score":0.15439648582385138,"num_words":13,"start":2369.935,"end":2376.06},{"sentences":[{"text":"Did that answer those questions for you?","start":2376.06,"end":2377.84,"sentiment":"neutral","sentiment_score":0.12384898800935064},{"text":"Yeah.","start":2378.4602,"end":2378.9602,"sentiment":"neutral","sentiment_score":0.04170526564121246},{"text":"Yeah.","start":2379.82,"end":2380.32,"sentiment":"positive","sentiment_score":0.3868951499462128},{"text":"No problem.","start":2381.02,"end":2381.84,"sentiment":"neutral","sentiment_score":-0.04588627815246582},{"text":"Yes.","start":2386.2202,"end":2386.7202,"sentiment":"neutral","sentiment_score":0.16705888509750366}],"sentiment":"neutral","sentiment_score":0.11423580503712098,"num_words":12,"start":2376.06,"end":2386.7202},{"sentences":[{"text":"And let me know how you go with the bank and stuff like that.","start":2386.86,"end":2390.24,"sentiment":"neutral","sentiment_score":0.1661815025976726},{"text":"Of course.","start":2390.415,"end":2399.295,"sentiment":"neutral","sentiment_score":0.06001944653689861},{"text":"Yeah.","start":2399.295,"end":2399.7751,"sentiment":"neutral","sentiment_score":0.2790428400039673},{"text":"Perfect.","start":2399.7751,"end":2400.2751,"sentiment":"positive","sentiment_score":0.6261966824531555},{"text":"And let me know if you do want, like, I'll yeah.","start":2400.335,"end":2403.935,"sentiment":"neutral","sentiment_score":0.26239150762557983}],"sentiment":"neutral","sentiment_score":0.21510779433723154,"num_words":29,"start":2386.86,"end":2403.935},{"sentences":[{"text":"Exactly to give you a call as well.","start":2403.935,"end":2406.39,"sentiment":"neutral","sentiment_score":0.33076785132288933},{"text":"So, yeah, let me know how you go with everything, and I'll let you go and enjoy the rest of your afternoon.","start":2407.8298,"end":2412.47,"sentiment":"positive","sentiment_score":0.5833654823628339},{"text":"But if there's anything that you need or any other questions between now and Tuesday next week, you can always just give me a call or send me an email as well.","start":2412.47,"end":2419.545,"sentiment":"neutral","sentiment_score":0.20307754492387176},{"text":"No problem at all.","start":2422.105,"end":2422.905,"sentiment":"positive","sentiment_score":0.8081838339567184},{"text":"It was lovely speaking with you, and I look forward to speaking with you next Tuesday.","start":2422.905,"end":2426.2048,"sentiment":"positive","sentiment_score":0.8837342858314514}],"sentiment":"positive","sentiment_score":0.47989205816170066,"num_words":82,"start":2403.935,"end":2426.2048},{"sentences":[{"text":"Thanks.","start":2427.785,"end":2428.285,"sentiment":"positive","sentiment_score":0.678636908531189},{"text":"Bye.","start":2428.4248,"end":2428.9248,"sentiment":"neutral","sentiment_score":-0.09890573471784592}],"sentiment":"neutral","sentiment_score":0.2898655869066715,"num_words":2,"start":2427.785,"end":2428.9248}]}}]},{"alternatives":[{"transcript":"Lauren speaking. I'm good. Thank you, Veronica. Yes. Yes. It is. Fine. No dramas. Yep. Lighty, where it says dog. Yeah. Just the usual getting a 16 year old to school that doesn't wanna be at school. It's always fun. Pretty much as a catch up and and what happened just where my, yeah, where my my balance is at at the moment and yeah. No. Yep. Right. Yep. Yes. That's correct. Right. Still there twenty twenty six years later. I yeah. It's I mean, nursing's nursing at I mean, it's yeah. It's something it's different every day. So my my role is managing. Yeah. So it's not it doesn't get mundane. So yeah. No. A week? Yep. Yep. Yeah. That'll be it's probably slightly more this year. We've had, yeah, we've had some success with pay rises and stuff like that through the unions and stuff. And I'm just looking at my last payslip. Sorry. The correct folder up for a start will help. My last payslip from due to be paid again today, but I did notice that it's all password protected. What do we got? So my year to date gross currently is '96. Yeah. My well, my because I do shift work and depending on, yeah, whether you work weekends or not, my pay, it it can be different. I can yeah. Like, we've it's it's always different all the time, but I just noticed that, I mean, it's only I've still got pretty much a month and a half. So it'll be more it'll be more than 95, maybe year to date growth is what I'm trying to say. Not not significantly more, but, yeah, like, it'll be probably more like a 100 and something. No. I I'm not putting anything in myself, but that was a question I was wondering. Like, should should I be would would I gain any like, what would be the benefits? And yeah. Yes. Yeah. That's what I I think that's what put me off in the past. So I don't know that I'll like, yeah, that I'll always that's alright. Nice. Yeah. That varies as well from yeah. Maybe yeah. Because, yeah, what I discussed was yeah. My card is it yeah. Maybe just doing a one lump sum, one prior to the end of the financial year with yeah. If I if I choose to as opposed to it being locked in. Yeah. Yeah. I wouldn't there wouldn't be any it wouldn't be anything anywhere near that. Yeah. It'd be yeah. It'd be like, it'd be sort of at, you know, at the most maybe, like, $5 or something like that. It won't be it won't be anything we're not we're not talking mega millions. Yeah. It's sitting at it's sitting at $1,111,282 that my employer has put into the sofa. So they're yeah. They're right. Yep. Mhmm. Mhmm. Yep. It's probably gone up. Yeah. I'd I'd probably say 900 thousand. Yep. Yeah. No. No. I don't. Yeah. Actually, I think that's probably gone down as well as as it does. I'll just put in my last yeah. R a c b. Give me Okay. Let me sorry. Do you have this one going to the what have we got? Sorry. The last I see the renewal headed at Sorry. What did we agree the value as? Sorry. This is so much fine print here. Agree value. Yeah. $37.03 50. So yeah. It's gone down. Thirty seven three 50. Yeah. Yep. That'd be around about was that 17,000? Yeah. Yeah. Yeah. That is yeah. Probably be yeah. Probably more like 20. I had to to shout out that. Yep. No. That's down to 1 and a half. Mhmm. Well, I've got that that's my limit, but I don't have anything on it at the moment. Yes. Yes. Yeah. I I would just pay I pay every yeah. I pay everything with that for the month and then price in the month, I just pay pay off the yeah. Yeah. And it's only it says, yeah, it's only 4, yeah, 4 and a half, which is pretty much, yeah, per month. That's like a full week. Yeah. Correct. Yep. I was taking methotrexate for rheumatoid arthritis, but I'm no longer taking that anymore. Yeah. Beg your pardon? Yeah. Yeah. The symptoms, yeah, suicide, and so in consultation with my specialist, ceased taking that medication about five, six months ago, and I've got a review coming up. So touch wood, I haven't had to to go back on that, which is good because I when I went through and got, like, the insurance and stuff with you guys, the house I had to be, like, getting to write a letter and, like, saying that there's an impact to my work and it's like, I'm not on that anymore with this book. Yeah. Yeah. I've stopped taking that in that was it this before Christmas. It would've been at the November '20 five. Yeah. Yeah. So it's coming up six months. Yeah. Yeah. Yeah. All good. Nope. Nope. I do. Yes. Yes. I I that that's still a work in progress. I've I've been at least back on my behalf, but it is definitely on my list. So No. I don't. No. Yep. Yep. That's correct. That's correct. Yep. We should've done that. Yep. Yeah. That's that is still, yeah, that's still a plan. I've I've done some, hence why, yeah, my savings has dropped a little bit. I've used that directly, but I'm yeah. I've it is still a plan to get some yeah. Do some some reno. So, yeah, I'll probably take I'm probably gonna I'm probably I'm thinking of taking or getting some advice and just seeing what it would be to get a a loan, like a sort of a loan to do that because I've still, yeah, I've still got, like, that seventeen, eighteen on the car. I'm also thinking if I maybe get a against the house because I've so I I own, like, I own that. And, yeah, and I'm sort of I'm sort of thinking it'd be it'd be a good way to get it get it done if I pay that out because I I salary I salary sacrifice. I do salary sacrificing, which is, I guess, a benefit of of my job, which is great. But that's I do use $3.39. I I get I pretty much get 440 a fortnight, like, pretax, whether they could get taken out for tax. And I used that $4.50 to pay off a fortnight to pay off my car. So if I'm so what I'm thinking is if I had a if I went and spoke to my U bank about, yeah, getting something that pays off and then, you know, if I'm use if I'm putting that money towards you know, if I can yeah. If I'm I'm thinking I'll probably be able to get, like, say, 30 or $40, which would be enough for me to do what I wanna do, pay off the car, and then just, like, literally use that money plus, you know, another couple 100. I'd be able to sort of smash it out pretty quick, I think. Yeah. Yeah. I I've only ever sort of gone yeah. I've I've only ever dealt with the same what we used to be, yeah, bank members of the credit union that was member of Australia now to Bank Australia. I've only ever dealt with them before, yeah, with everything I've done. So I don't really I've never used a broker or anything. Yeah. I mean, I've yeah. I've heard I've got friends and stuff that I know if they use you know, like, I feel really good blah blah blah. But, yeah, I've I've sort of never really I know. Like, I've never yeah. Yep. Yes. Okay. Yes. I think yeah. I I think what I'll do is I'll I'll go and see, like, to get I've I've find it better for me to if I have, like, a face to face instead of doubt. Like, I know that I know that that the team down there. So I might go and just speak to them and just see what they've got to say and then look at the rates and then sort of get get it in my head what I'd be looking at. And and then I think if I spoke to a broker, I have more of an understanding. Yeah. Yeah. Yes. Yeah. Right. So I was sort of thinking it might just be easier. I'll I'd just pay out the yeah. I'd just pay out the personal loan because that's that's nothing. And then, yeah, just the car, which has literally got another would be sick or I think I did I did over seven years from December, so it'll be a year. What are we now? The five. Yes. So there'd be another eighteen months on the car too. So yeah. For sure. No. Yep. No. That no. That's pretty much it. Yeah. Just yeah. Yep. Yep. That's what I'm that would be what I'm aiming towards. Yeah. For sure. Mhmm. Yeah. Pretty much. Mhmm. No. I probably go in the middle. Yeah. Yeah. Moderate. Moderate. Yeah. How much? How much percent? Sorry. Twenty. Yep. Yep. Yep. Yes. I really I found these these questions really difficult because that's why I've got, like, you guys do it because I don't know. Like, I don't I don't know. Like, I don't know what my what I do. Like, obviously, like, that's why my answer is I'd be guarded by what what you guys and what you guys are saying. So Yeah. I mean, obviously, I'm I I probably would on the side of caution. Like, I don't think I'd withdraw it and, like, panic, but then I don't think I'd sell it. Yeah. I just we just hold. Yeah. And just yep. Yes. Yeah. Yeah. Yeah. Absolutely. Yep. Chuck it all in and do the best. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. I mean, in it yeah. Yeah. Like, I don't know. Like, I I think the fact that I even, like, went away from, like, in that like, I went away from Hester in the first place to to go like, I think that's sort of like, I'm, yeah, I'm open to yeah. Yeah. I don't know. A bit of both. Yeah. Yeah. But I mean, I can yeah. I definitely wouldn't be a high I wouldn't be like a a high risk taker. Yeah. Yeah. Well, I actually have done that in the past when I before when I was married. We did do that, and it was great with when we had two incomes, but I don't think that I would do it now. Yes. Yes. Yes. Yes. Yes. Yep. Yes. Yes. Yes. I do. Yeah. Sorry. I'm recording. Okay. Yep. Am I going to start going to hang on. I've got the powers. So yep. Yep. Yes. Yep. Yep. Yes. Yeah. Mhmm. No worries. Yes. I do. Mhmm. Yep. Mhmm. Yeah. That well, that's, yeah, that's fine. Yep. I don't yep. Yes. Mhmm. Yep. Yeah. That's fine. Yep. Hang on two seconds. I'll just jump back to that one. Yes. Yep. I'm getting that one up now. Mhmm. Yep. Yep. Five and yep. Reach out. Yes. Yep. Yep. Yep. Mhmm. Yep. Yes. Yes. Yes. Okay. Yep. Which one was that? Sorry. The Vanek. Oh, the Benelon. Yes. Giant. Yep. Yep. Yeah. Absolutely. Yep. Yep. Mhmm. Yep. So you need about a week to do that anyway? Yep. Yeah. Yeah. I'm just gonna look at my I'm just gonna look at my roster one minute. Yeah. I'm pretty good next week. Oh, look. It doesn't it just depends what yeah. Probably yeah. Straight up. Yeah. If you throw some dates and times at me, I'll yeah. That won't be any good. I'm on nights. Just the night before. Yep. 04:30 would be good. Yeah. Yeah. Mhmm. That'd be great. Yep. That'd be awesome. Thank you. Yeah. I'm sorry. I'm gonna go back in. Yep. Mhmm. Mhmm. Yes. No worries. So I can just double date both of those and it'll sign. It's just loading. You will get the the signed document by mail. Oh, yeah. I think I've done it. It's signed. Yep. Yep. Mhmm. Yep. So between but in the in the last financial year, I'm just trying to see where is it I just want a an actual figure of how much. Yeah. Mhmm. Five 41. Yep. Yep. Perfect. I'm on the fifth of the fifth. So, yes, it's yeah. Cool. On the fifth of the fifth. Yep. Perfect. Yep. No dramas. No worries. Yeah. Absolutely. That's no. That's fine. I think thanks very much. It makes sense. And, yeah, I'll put on my to do list to, yeah, do the will, and I'll yeah. For sure. I'll actually I'll hopefully if I can try and do that before I speak to you on Tuesday. Yeah. No worries. Thanks very much, Veronica. Cheers. Thank you. 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I'm good. Thank you, Veronica. Yes. Yes.\n\nIt is. Fine. No dramas. Yep. Lighty, where it says dog.\n\nYeah. Just the usual getting a 16 year old to school that doesn't wanna be at school. It's always fun. Pretty much as a catch up and and what happened just where my, yeah, where my my balance is at at the moment and yeah. No.\n\nYep. Right. Yep. Yes. That's correct.\n\nRight. Still there twenty twenty six years later. I yeah. It's I mean, nursing's nursing at I mean, it's yeah. It's something it's different every day.\n\nSo my my role is managing. Yeah. So it's not it doesn't get mundane. So yeah. No.\n\nA week? Yep. Yep. Yeah. That'll be it's probably slightly more this year.\n\nWe've had, yeah, we've had some success with pay rises and stuff like that through the unions and stuff. And I'm just looking at my last payslip. Sorry. The correct folder up for a start will help. My last payslip from due to be paid again today, but I did notice that it's all password protected.\n\nWhat do we got? So my year to date gross currently is '96. Yeah. My well, my because I do shift work and depending on, yeah, whether you work weekends or not, my pay, it it can be different. I can yeah.\n\nLike, we've it's it's always different all the time, but I just noticed that, I mean, it's only I've still got pretty much a month and a half. So it'll be more it'll be more than 95, maybe year to date growth is what I'm trying to say. Not not significantly more, but, yeah, like, it'll be probably more like a 100 and something. No. I I'm not putting anything in myself, but that was a question I was wondering.\n\nLike, should should I be would would I gain any like, what would be the benefits? And yeah. Yes. Yeah. That's what I I think that's what put me off in the past.\n\nSo I don't know that I'll like, yeah, that I'll always that's alright. Nice. Yeah. That varies as well from yeah. Maybe yeah.\n\nBecause, yeah, what I discussed was yeah. My card is it yeah. Maybe just doing a one lump sum, one prior to the end of the financial year with yeah. If I if I choose to as opposed to it being locked in. Yeah.\n\nYeah. I wouldn't there wouldn't be any it wouldn't be anything anywhere near that. Yeah. It'd be yeah. It'd be like, it'd be sort of at, you know, at the most maybe, like, $5 or something like that.\n\nIt won't be it won't be anything we're not we're not talking mega millions. Yeah. It's sitting at it's sitting at $1,111,282 that my employer has put into the sofa. So they're yeah. They're right.\n\nYep. Mhmm. Mhmm. Yep. It's probably gone up.\n\nYeah. I'd I'd probably say 900 thousand. Yep. Yeah. No.\n\nNo. I don't. Yeah. Actually, I think that's probably gone down as well as as it does. I'll just put in my last yeah.\n\nR a c b. Give me Okay. Let me sorry. Do you have this one going to the what have we got? Sorry.\n\nThe last I see the renewal headed at Sorry. What did we agree the value as? Sorry. This is so much fine print here. Agree value.\n\nYeah. $37.03 50. So yeah. It's gone down. Thirty seven three 50.\n\nYeah. Yep. That'd be around about was that 17,000? Yeah. Yeah.\n\nYeah. That is yeah. Probably be yeah. Probably more like 20. I had to to shout out that.\n\nYep. No. That's down to 1 and a half. Mhmm. Well, I've got that that's my limit, but I don't have anything on it at the moment.\n\nYes. Yes. Yeah. I I would just pay I pay every yeah. I pay everything with that for the month and then price in the month, I just pay pay off the yeah.\n\nYeah. And it's only it says, yeah, it's only 4, yeah, 4 and a half, which is pretty much, yeah, per month. That's like a full week. Yeah. Correct.\n\nYep. I was taking methotrexate for rheumatoid arthritis, but I'm no longer taking that anymore. Yeah. Beg your pardon? Yeah.\n\nYeah. The symptoms, yeah, suicide, and so in consultation with my specialist, ceased taking that medication about five, six months ago, and I've got a review coming up. So touch wood, I haven't had to to go back on that, which is good because I when I went through and got, like, the insurance and stuff with you guys, the house I had to be, like, getting to write a letter and, like, saying that there's an impact to my work and it's like, I'm not on that anymore with this book. Yeah. Yeah.\n\nI've stopped taking that in that was it this before Christmas. It would've been at the November '20 five. Yeah. Yeah. So it's coming up six months.\n\nYeah. Yeah. Yeah. All good. Nope.\n\nNope. I do. Yes. Yes. I I that that's still a work in progress.\n\nI've I've been at least back on my behalf, but it is definitely on my list. So No. I don't. No. Yep.\n\nYep. That's correct. That's correct. Yep. We should've done that.\n\nYep. Yeah. That's that is still, yeah, that's still a plan. I've I've done some, hence why, yeah, my savings has dropped a little bit. I've used that directly, but I'm yeah.\n\nI've it is still a plan to get some yeah. Do some some reno. So, yeah, I'll probably take I'm probably gonna I'm probably I'm thinking of taking or getting some advice and just seeing what it would be to get a a loan, like a sort of a loan to do that because I've still, yeah, I've still got, like, that seventeen, eighteen on the car. I'm also thinking if I maybe get a against the house because I've so I I own, like, I own that. And, yeah, and I'm sort of I'm sort of thinking it'd be it'd be a good way to get it get it done if I pay that out because I I salary I salary sacrifice.\n\nI do salary sacrificing, which is, I guess, a benefit of of my job, which is great. But that's I do use $3.39. I I get I pretty much get 440 a fortnight, like, pretax, whether they could get taken out for tax. And I used that $4.50 to pay off a fortnight to pay off my car. So if I'm so what I'm thinking is if I had a if I went and spoke to my U bank about, yeah, getting something that pays off and then, you know, if I'm use if I'm putting that money towards you know, if I can yeah.\n\nIf I'm I'm thinking I'll probably be able to get, like, say, 30 or $40, which would be enough for me to do what I wanna do, pay off the car, and then just, like, literally use that money plus, you know, another couple 100. I'd be able to sort of smash it out pretty quick, I think. Yeah. Yeah. I I've only ever sort of gone yeah.\n\nI've I've only ever dealt with the same what we used to be, yeah, bank members of the credit union that was member of Australia now to Bank Australia. I've only ever dealt with them before, yeah, with everything I've done. So I don't really I've never used a broker or anything. Yeah. I mean, I've yeah.\n\nI've heard I've got friends and stuff that I know if they use you know, like, I feel really good blah blah blah. But, yeah, I've I've sort of never really I know. Like, I've never yeah. Yep. Yes.\n\nOkay. Yes. I think yeah. I I think what I'll do is I'll I'll go and see, like, to get I've I've find it better for me to if I have, like, a face to face instead of doubt. Like, I know that I know that that the team down there.\n\nSo I might go and just speak to them and just see what they've got to say and then look at the rates and then sort of get get it in my head what I'd be looking at. And and then I think if I spoke to a broker, I have more of an understanding. Yeah. Yeah. Yes.\n\nYeah. Right. So I was sort of thinking it might just be easier. I'll I'd just pay out the yeah. I'd just pay out the personal loan because that's that's nothing.\n\nAnd then, yeah, just the car, which has literally got another would be sick or I think I did I did over seven years from December, so it'll be a year. What are we now? The five. Yes. So there'd be another eighteen months on the car too.\n\nSo yeah. For sure. No. Yep. No.\n\nThat no. That's pretty much it. Yeah. Just yeah. Yep.\n\nYep. That's what I'm that would be what I'm aiming towards. Yeah. For sure. Mhmm.\n\nYeah. Pretty much. Mhmm. No. I probably go in the middle.\n\nYeah. Yeah. Moderate. Moderate. Yeah.\n\nHow much? How much percent? Sorry. Twenty. Yep.\n\nYep. Yep. Yes. I really I found these these questions really difficult because that's why I've got, like, you guys do it because I don't know. Like, I don't I don't know.\n\nLike, I don't know what my what I do. Like, obviously, like, that's why my answer is I'd be guarded by what what you guys and what you guys are saying. So Yeah. I mean, obviously, I'm I I probably would on the side of caution. Like, I don't think I'd withdraw it and, like, panic, but then I don't think I'd sell it.\n\nYeah. I just we just hold. Yeah. And just yep. Yes.\n\nYeah. Yeah. Yeah. Absolutely. Yep.\n\nChuck it all in and do the best. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. I mean, in it yeah. Yeah. Like, I don't know.\n\nLike, I I think the fact that I even, like, went away from, like, in that like, I went away from Hester in the first place to to go like, I think that's sort of like, I'm, yeah, I'm open to yeah. Yeah. I don't know. A bit of both. Yeah.\n\nYeah. But I mean, I can yeah. I definitely wouldn't be a high I wouldn't be like a a high risk taker. Yeah. Yeah.\n\nWell, I actually have done that in the past when I before when I was married. We did do that, and it was great with when we had two incomes, but I don't think that I would do it now. Yes. Yes. Yes.\n\nYes. Yes. Yep. Yes. Yes.\n\nYes. I do. Yeah. Sorry. I'm recording.\n\nOkay. Yep. Am I going to start going to hang on. I've got the powers. So yep.\n\nYep. Yes. Yep. Yep. Yes.\n\nYeah. Mhmm. No worries. Yes. I do.\n\nMhmm. Yep. Mhmm. Yeah. That well, that's, yeah, that's fine.\n\nYep. I don't yep. Yes. Mhmm. Yep.\n\nYeah. That's fine. Yep. Hang on two seconds. I'll just jump back to that one.\n\nYes. Yep. I'm getting that one up now. Mhmm. Yep.\n\nYep. Five and yep. Reach out. Yes. Yep.\n\nYep. Yep. Mhmm. Yep. Yes.\n\nYes. Yes. Okay. Yep. Which one was that?\n\nSorry. The Vanek. Oh, the Benelon. Yes. Giant.\n\nYep. Yep. Yeah. Absolutely. Yep.\n\nYep. Mhmm. Yep. So you need about a week to do that anyway? Yep.\n\nYeah. Yeah. I'm just gonna look at my I'm just gonna look at my roster one minute. Yeah. I'm pretty good next week.\n\nOh, look. It doesn't it just depends what yeah. Probably yeah. Straight up. Yeah.\n\nIf you throw some dates and times at me, I'll yeah. That won't be any good. I'm on nights. Just the night before. Yep.\n\n04:30 would be good. Yeah. Yeah. Mhmm. That'd be great.\n\nYep. That'd be awesome. Thank you. Yeah. I'm sorry.\n\nI'm gonna go back in. Yep. Mhmm. Mhmm. Yes.\n\nNo worries. So I can just double date both of those and it'll sign. It's just loading. You will get the the signed document by mail. Oh, yeah.\n\nI think I've done it. It's signed. Yep. Yep. Mhmm.\n\nYep. So between but in the in the last financial year, I'm just trying to see where is it I just want a an actual figure of how much. Yeah. Mhmm. Five 41.\n\nYep. Yep. Perfect. I'm on the fifth of the fifth. So, yes, it's yeah.\n\nCool. On the fifth of the fifth. Yep. Perfect. Yep.\n\nNo dramas. No worries. Yeah. Absolutely. That's no.\n\nThat's fine. I think thanks very much. It makes sense. And, yeah, I'll put on my to do list to, yeah, do the will, and I'll yeah. For sure.\n\nI'll actually I'll hopefully if I can try and do that before I speak to you on Tuesday. Yeah. No worries. Thanks very much, Veronica. Cheers.\n\nThank you. Bye bye.","paragraphs":[{"sentences":[{"text":"Lauren speaking.","start":0.96,"end":1.86,"sentiment":"neutral","sentiment_score":0.040959322825074196},{"text":"I'm good.","start":3.1999998,"end":6.56,"sentiment":"positive","sentiment_score":0.44202820956707},{"text":"Thank you, Veronica.","start":6.56,"end":7.46,"sentiment":"positive","sentiment_score":0.6935452222824097},{"text":"Yes.","start":13.92,"end":14.24,"sentiment":"neutral","sentiment_score":0.13338196277618408},{"text":"Yes.","start":14.24,"end":14.48,"sentiment":"neutral","sentiment_score":0.11453577876091003}],"sentiment":"positive","sentiment_score":0.36605871924095684,"num_words":9,"start":0.96,"end":14.48},{"sentences":[{"text":"It is.","start":14.48,"end":15.139999,"sentiment":"neutral","sentiment_score":0.13978801667690277},{"text":"Fine.","start":21.855,"end":22.335,"sentiment":"neutral","sentiment_score":0.03220526501536369},{"text":"No dramas.","start":22.335,"end":23.075,"sentiment":"neutral","sentiment_score":-0.006047136150300503},{"text":"Yep.","start":27.72,"end":28.22,"sentiment":"neutral","sentiment_score":0.04722478613257408},{"text":"Lighty, where it says dog.","start":40.04,"end":41.66,"sentiment":"neutral","sentiment_score":0.03466834612190724}],"sentiment":"neutral","sentiment_score":0.04729577661915259,"num_words":11,"start":14.48,"end":41.66},{"sentences":[{"text":"Yeah.","start":46.555,"end":46.795002,"sentiment":"neutral","sentiment_score":0.006278255954384804},{"text":"Just the usual getting a 16 year old to school that doesn't wanna be at school.","start":46.795002,"end":51.755,"sentiment":"neutral","sentiment_score":-0.04430365492589772},{"text":"It's always fun.","start":51.755,"end":52.735,"sentiment":"neutral","sentiment_score":0.19903872410456339},{"text":"Pretty much as a catch up and and what happened just where my, yeah, where my my balance is at at the moment and yeah.","start":73.195,"end":82.87,"sentiment":"neutral","sentiment_score":-0.019978273808956146},{"text":"No.","start":104.905,"end":105.405,"sentiment":"neutral","sentiment_score":-0.13784846663475037}],"sentiment":"neutral","sentiment_score":-0.01614716005228136,"num_words":46,"start":46.555,"end":105.405},{"sentences":[{"text":"Yep.","start":119.8,"end":120.12,"sentiment":"neutral","sentiment_score":0.09631647914648056},{"text":"Right.","start":120.12,"end":120.62,"sentiment":"neutral","sentiment_score":0.06597032397985458},{"text":"Yep.","start":121.4,"end":121.9,"sentiment":"neutral","sentiment_score":0.02456730231642723},{"text":"Yes.","start":126.855,"end":127.255,"sentiment":"neutral","sentiment_score":0.04201709479093552},{"text":"That's correct.","start":127.255,"end":127.995,"sentiment":"neutral","sentiment_score":0.1043415442109108}],"sentiment":"neutral","sentiment_score":0.07292571477591991,"num_words":6,"start":119.8,"end":127.995},{"sentences":[{"text":"Right.","start":133.095,"end":133.595,"sentiment":"neutral","sentiment_score":0.04231564700603485},{"text":"Still there twenty twenty six years later.","start":134.375,"end":136.475,"sentiment":"neutral","sentiment_score":0.05635849439672062},{"text":"I yeah.","start":139.55,"end":140.51,"sentiment":"neutral","sentiment_score":0.07619069144129753},{"text":"It's I mean, nursing's nursing at I mean, it's yeah.","start":140.51,"end":143.55,"sentiment":"neutral","sentiment_score":0.006873541086679325},{"text":"It's something it's different every day.","start":143.55,"end":145.23,"sentiment":"neutral","sentiment_score":-0.01182727562263608}],"sentiment":"neutral","sentiment_score":0.022576086453717344,"num_words":26,"start":133.095,"end":145.23},{"sentences":[{"text":"So my my role is managing.","start":145.23,"end":146.91,"sentiment":"neutral","sentiment_score":0.028377066055933636},{"text":"Yeah.","start":146.91,"end":147.15,"sentiment":"neutral","sentiment_score":0.029240231961011887},{"text":"So it's not it doesn't get mundane.","start":147.15,"end":149.01,"sentiment":"neutral","sentiment_score":-0.033700658806732724},{"text":"So yeah.","start":149.63,"end":150.45,"sentiment":"neutral","sentiment_score":-0.06795979104936123},{"text":"No.","start":151.63,"end":152.13,"sentiment":"neutral","sentiment_score":-0.07163326442241669}],"sentiment":"neutral","sentiment_score":-0.014350284110097325,"num_words":17,"start":145.23,"end":152.13},{"sentences":[{"text":"A week?","start":157.615,"end":158.275,"sentiment":"neutral","sentiment_score":0.00576257100328803},{"text":"Yep.","start":159.855,"end":160.095,"sentiment":"neutral","sentiment_score":0.06730537861585617},{"text":"Yep.","start":160.095,"end":160.595,"sentiment":"neutral","sentiment_score":0.07798942923545837},{"text":"Yeah.","start":165.59,"end":165.75,"sentiment":"neutral","sentiment_score":0.11747099459171297},{"text":"That'll be it's probably slightly more this year.","start":165.75,"end":168.39,"sentiment":"neutral","sentiment_score":0.09996857400983572}],"sentiment":"neutral","sentiment_score":0.08261842588679148,"num_words":13,"start":157.615,"end":168.39},{"sentences":[{"text":"We've had, yeah, we've had some success with pay rises and stuff like that through the unions and stuff.","start":168.39,"end":174.95,"sentiment":"neutral","sentiment_score":0.2252768050683172},{"text":"And I'm just looking at my last payslip.","start":174.95,"end":180.17,"sentiment":"neutral","sentiment_score":0.052281797863543034},{"text":"Sorry.","start":182.205,"end":182.705,"sentiment":"neutral","sentiment_score":0.13062460720539093},{"text":"The correct folder up for a start will help.","start":185.64499,"end":188.465,"sentiment":"neutral","sentiment_score":0.17965274883641136},{"text":"My last payslip from due to be paid again today, but I did notice that it's all password protected.","start":189.965,"end":200.51,"sentiment":"neutral","sentiment_score":0.041271116780607325}],"sentiment":"neutral","sentiment_score":0.12911007579948222,"num_words":56,"start":168.39,"end":200.51},{"sentences":[{"text":"What do we got?","start":204.56999,"end":205.53,"sentiment":"neutral","sentiment_score":0.009853549068793654},{"text":"So my year to date gross currently is '96.","start":205.53,"end":211.505,"sentiment":"neutral","sentiment_score":0.01484523992985487},{"text":"Yeah.","start":214.125,"end":214.625,"sentiment":"neutral","sentiment_score":0.013574543409049513},{"text":"My well, my because I do shift work and depending on, yeah, whether you work weekends or not, my pay, it it can be different.","start":221.005,"end":228.54,"sentiment":"neutral","sentiment_score":-0.018022708743810654},{"text":"I can yeah.","start":228.84,"end":229.64,"sentiment":"neutral","sentiment_score":-0.0052941714723904925}],"sentiment":"neutral","sentiment_score":-0.0066631984276076155,"num_words":42,"start":204.56999,"end":229.64},{"sentences":[{"text":"Like, we've it's it's always different all the time, but I just noticed that, I mean, it's only I've still got pretty much a month and a half.","start":229.64,"end":237.995,"sentiment":"neutral","sentiment_score":-0.02969226267720972},{"text":"So it'll be more it'll be more than 95, maybe year to date growth is what I'm trying to say.","start":238.535,"end":243.115,"sentiment":"neutral","sentiment_score":0.010284914332441986},{"text":"Not not significantly more, but, yeah, like, it'll be probably more like a 100 and something.","start":243.495,"end":249.84,"sentiment":"neutral","sentiment_score":-0.09818945592269301},{"text":"No.","start":265.535,"end":265.85498,"sentiment":"neutral","sentiment_score":-0.17817269265651703},{"text":"I I'm not putting anything in myself, but that was a question I was wondering.","start":265.85498,"end":269.69498,"sentiment":"neutral","sentiment_score":-0.20145651002724965}],"sentiment":"neutral","sentiment_score":-0.06745920882676729,"num_words":80,"start":229.64,"end":269.69498},{"sentences":[{"text":"Like, should should I be would would I gain any like, what would be the benefits?","start":269.69498,"end":274.115,"sentiment":"neutral","sentiment_score":-0.09962710924446583},{"text":"And yeah.","start":274.175,"end":286.13,"sentiment":"neutral","sentiment_score":0.20904983393847942},{"text":"Yes.","start":295.335,"end":295.835,"sentiment":"positive","sentiment_score":0.3701346516609192},{"text":"Yeah.","start":324.575,"end":324.975,"sentiment":"neutral","sentiment_score":-0.059491679072380066},{"text":"That's what I I think that's what put me off in the past.","start":324.975,"end":327.535,"sentiment":"neutral","sentiment_score":-0.24339726309363657}],"sentiment":"neutral","sentiment_score":-0.12210471295949185,"num_words":33,"start":269.69498,"end":327.535},{"sentences":[{"text":"So I don't know that I'll like, yeah, that I'll always that's alright.","start":327.535,"end":333.19998,"sentiment":"neutral","sentiment_score":-0.11085667375188607},{"text":"Nice.","start":333.19998,"end":333.69998,"sentiment":"positive","sentiment_score":0.4405526518821716},{"text":"Yeah.","start":342.96,"end":343.19998,"sentiment":"neutral","sentiment_score":-0.0027234312146902084},{"text":"That varies as well from yeah.","start":343.19998,"end":345.03998,"sentiment":"neutral","sentiment_score":-0.03050346051653226},{"text":"Maybe yeah.","start":345.03998,"end":346.215,"sentiment":"neutral","sentiment_score":-0.014911635778844357}],"sentiment":"neutral","sentiment_score":-0.05287615533756173,"num_words":23,"start":327.535,"end":346.215},{"sentences":[{"text":"Because, yeah, what I discussed was yeah.","start":347.495,"end":349.255,"sentiment":"neutral","sentiment_score":0.01356956163155181},{"text":"My card is it yeah.","start":349.255,"end":350.29498,"sentiment":"neutral","sentiment_score":0.030286550149321557},{"text":"Maybe just doing a one lump sum, one prior to the end of the financial year with yeah.","start":350.29498,"end":356.79498,"sentiment":"neutral","sentiment_score":0.03288047553764449},{"text":"If I if I choose to as opposed to it being locked in.","start":356.85498,"end":360.33,"sentiment":"neutral","sentiment_score":-0.007496168192189474},{"text":"Yeah.","start":365.93,"end":366.43,"sentiment":"neutral","sentiment_score":0.000933520495891571}],"sentiment":"neutral","sentiment_score":0.01685799036005681,"num_words":44,"start":347.495,"end":366.43},{"sentences":[{"text":"Yeah.","start":404.775,"end":405.255,"sentiment":"neutral","sentiment_score":-0.019395506009459496},{"text":"I wouldn't there wouldn't be any it wouldn't be anything anywhere near that.","start":405.255,"end":408.135,"sentiment":"neutral","sentiment_score":-0.09697366735109916},{"text":"Yeah.","start":408.135,"end":408.635,"sentiment":"neutral","sentiment_score":0.12946951389312744},{"text":"It'd be yeah.","start":408.695,"end":409.415,"sentiment":"neutral","sentiment_score":0.12742025901873907},{"text":"It'd be like, it'd be sort of at, you know, at the most maybe, like, $5 or something like that.","start":409.415,"end":413.415,"sentiment":"neutral","sentiment_score":0.18404554389417171}],"sentiment":"neutral","sentiment_score":0.07664705229629028,"num_words":38,"start":404.775,"end":413.415},{"sentences":[{"text":"It won't be it won't be anything we're not we're not talking mega millions.","start":413.415,"end":416.235,"sentiment":"neutral","sentiment_score":-0.03814899625389704},{"text":"Yeah.","start":443.875,"end":444.11502,"sentiment":"neutral","sentiment_score":0.050916142761707306},{"text":"It's sitting at it's sitting at $1,111,282 that my employer has put into the sofa.","start":444.11502,"end":451.9,"sentiment":"neutral","sentiment_score":0.0006159761299689611},{"text":"So they're yeah.","start":452.68,"end":453.81998,"sentiment":"neutral","sentiment_score":0.2844963073730469},{"text":"They're right.","start":453.87997,"end":454.43997,"sentiment":"neutral","sentiment_score":0.17108546942472458}],"sentiment":"neutral","sentiment_score":0.020620848517864943,"num_words":35,"start":413.415,"end":454.43997},{"sentences":[{"text":"Yep.","start":454.43997,"end":454.93997,"sentiment":"neutral","sentiment_score":0.32801470160484314},{"text":"Mhmm.","start":471.795,"end":472.295,"sentiment":"neutral","sentiment_score":0.07809591293334961},{"text":"Mhmm.","start":491.58502,"end":492.08502,"sentiment":"neutral","sentiment_score":0.11868494749069214},{"text":"Yep.","start":498.625,"end":499.125,"sentiment":"neutral","sentiment_score":0.15750330686569214},{"text":"It's probably gone up.","start":512.11,"end":513.41003,"sentiment":"neutral","sentiment_score":-0.011096273781731725}],"sentiment":"neutral","sentiment_score":0.07973922172095627,"num_words":8,"start":454.43997,"end":513.41003},{"sentences":[{"text":"Yeah.","start":514.11,"end":514.61,"sentiment":"neutral","sentiment_score":0.025391876697540283},{"text":"I'd I'd probably say 900 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does.","start":532.32,"end":538.02,"sentiment":"neutral","sentiment_score":0.02164293137880472},{"text":"I'll just put in my last yeah.","start":539.2,"end":542.1,"sentiment":"neutral","sentiment_score":-0.1121407901602132}],"sentiment":"neutral","sentiment_score":-0.03501472342759371,"num_words":24,"start":523.915,"end":542.1},{"sentences":[{"text":"R a c b.","start":542.16003,"end":543.22003,"sentiment":"neutral","sentiment_score":-0.01031228224746883},{"text":"Give me Okay.","start":543.36,"end":545.975,"sentiment":"neutral","sentiment_score":-0.020079463099439938},{"text":"Let me sorry.","start":546.07495,"end":550.755,"sentiment":"neutral","sentiment_score":-0.04256518681844076},{"text":"Do you have this one going to the what have we got?","start":550.755,"end":557.175,"sentiment":"neutral","sentiment_score":-0.0401106383651495},{"text":"Sorry.","start":565.86,"end":566.36,"sentiment":"neutral","sentiment_score":-0.06030943617224693}],"sentiment":"neutral","sentiment_score":-0.03351392066511123,"num_words":23,"start":542.16003,"end":566.36},{"sentences":[{"text":"The last I see the renewal headed at Sorry.","start":566.42,"end":584.925,"sentiment":"neutral","sentiment_score":-0.0711903249224027},{"text":"What did we agree the value as?","start":584.925,"end":587.105,"sentiment":"neutral","sentiment_score":-0.045256681740283966},{"text":"Sorry.","start":598.41,"end":598.73,"sentiment":"neutral","sentiment_score":-0.04750373587012291},{"text":"This is so much fine print here.","start":598.73,"end":601.37,"sentiment":"neutral","sentiment_score":0.01563287845679692},{"text":"Agree 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yeah.","start":664.135,"end":671.65497,"sentiment":"neutral","sentiment_score":0.012044500293476241}],"sentiment":"neutral","sentiment_score":0.009251872924241152,"num_words":33,"start":657.41003,"end":671.65497},{"sentences":[{"text":"Yeah.","start":671.65497,"end":672.09,"sentiment":"neutral","sentiment_score":-0.023688651621341705},{"text":"And it's only it says, yeah, it's only 4, yeah, 4 and a half, which is pretty much, yeah, per month.","start":673.29004,"end":679.37006,"sentiment":"neutral","sentiment_score":-0.002524690525162788},{"text":"That's like a full 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like, I'm not on that anymore with this book.","start":720.765,"end":735.12,"sentiment":"neutral","sentiment_score":0.10783865995472297},{"text":"Yeah.","start":736.62,"end":737.12,"sentiment":"positive","sentiment_score":0.3888997733592987},{"text":"Yeah.","start":737.33997,"end":737.83997,"sentiment":"neutral","sentiment_score":0.05598380044102669}],"sentiment":"neutral","sentiment_score":0.05521324460216342,"num_words":94,"start":708.19995,"end":737.83997},{"sentences":[{"text":"I've stopped taking that in that was it this before Christmas.","start":738.13995,"end":746.455,"sentiment":"neutral","sentiment_score":-0.026551444654945622},{"text":"It would've been at the November '20 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100.","start":940.79504,"end":952.73,"sentiment":"neutral","sentiment_score":0.3042690356572469},{"text":"I'd be able to sort of smash it out pretty quick, I think.","start":952.73,"end":955.47,"sentiment":"positive","sentiment_score":0.5444996632062472},{"text":"Yeah.","start":970.54504,"end":971.025,"sentiment":"neutral","sentiment_score":0.1883593499660492},{"text":"Yeah.","start":971.025,"end":971.525,"sentiment":"neutral","sentiment_score":0.1810553073883057},{"text":"I I've only ever sort of gone yeah.","start":984.04004,"end":986.84,"sentiment":"neutral","sentiment_score":-0.10147138126194477}],"sentiment":"neutral","sentiment_score":0.2989447916693547,"num_words":68,"start":940.79504,"end":986.84},{"sentences":[{"text":"I've I've only ever dealt with the same what we used to be, yeah, bank members of the credit union that was member of Australia now to Bank Australia.","start":986.84,"end":995.035,"sentiment":"neutral","sentiment_score":-0.06156813199150151},{"text":"I've only ever dealt with them before, yeah, with everything I've done.","start":995.035,"end":999.83496,"sentiment":"neutral","sentiment_score":-0.06534214876592159},{"text":"So I don't really I've never used a broker or anything.","start":999.83496,"end":1004.26,"sentiment":"neutral","sentiment_score":-0.2006759142333811},{"text":"Yeah.","start":1004.26,"end":1004.5,"sentiment":"neutral","sentiment_score":-0.0005993619561195374},{"text":"I mean, I've yeah.","start":1004.5,"end":1005.22003,"sentiment":"neutral","sentiment_score":0.04030831065028906}],"sentiment":"neutral","sentiment_score":-0.08098917173450454,"num_words":57,"start":986.84,"end":1005.22003},{"sentences":[{"text":"I've heard I've got friends and stuff that I know if they use you know, like, I feel really good blah blah blah.","start":1005.22003,"end":1010.98004,"sentiment":"neutral","sentiment_score":0.17047763372892918},{"text":"But, yeah, I've I've sort of never really I 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if I have, like, a face to face instead of doubt.","start":1088.8251,"end":1096.33,"sentiment":"neutral","sentiment_score":0.06809443744885571},{"text":"Like, I know that I know that that the team down there.","start":1096.33,"end":1098.33,"sentiment":"neutral","sentiment_score":0.06048088272412618}],"sentiment":"neutral","sentiment_score":0.0726044181296054,"num_words":51,"start":1054.5549,"end":1098.33},{"sentences":[{"text":"So I might go and just speak to them and just see what they've got to say and then look at the rates and then sort of get get it in my head what I'd be looking at.","start":1098.33,"end":1107.625,"sentiment":"neutral","sentiment_score":0.07638813457206677},{"text":"And and then I think if I spoke to a broker, I have more of an 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you need about a week to do that anyway?","start":2089.655,"end":2091.675,"sentiment":"neutral","sentiment_score":0.07031389400362968},{"text":"Yep.","start":2093.2551,"end":2093.7551,"sentiment":"neutral","sentiment_score":0.05294922739267349}],"sentiment":"neutral","sentiment_score":0.09300511756113597,"num_words":14,"start":2068.49,"end":2093.7551},{"sentences":[{"text":"Yeah.","start":2099.05,"end":2099.37,"sentiment":"neutral","sentiment_score":0.05811068415641785},{"text":"Yeah.","start":2099.37,"end":2099.61,"sentiment":"neutral","sentiment_score":0.06823430955410004},{"text":"I'm just gonna look at my I'm just gonna look at my roster one minute.","start":2099.61,"end":2102.4302,"sentiment":"neutral","sentiment_score":0.09616801192363103},{"text":"Yeah.","start":2104.57,"end":2104.81,"sentiment":"neutral","sentiment_score":0.20067420601844788},{"text":"I'm pretty good next week.","start":2104.81,"end":2106.27,"sentiment":"neutral","sentiment_score":0.2949642241001129}],"sentiment":"neutral","sentiment_score":0.14105915213408676,"num_words":23,"start":2099.05,"end":2106.27},{"sentences":[{"text":"Oh, look.","start":2112.5452,"end":2112.865,"sentiment":"neutral","sentiment_score":0.033348921686410904},{"text":"It doesn't it just depends what yeah.","start":2112.865,"end":2115.585,"sentiment":"neutral","sentiment_score":0.028960423277957097},{"text":"Probably yeah.","start":2115.585,"end":2116.885,"sentiment":"neutral","sentiment_score":0.06451521068811417},{"text":"Straight up.","start":2117.745,"end":2118.8052,"sentiment":"neutral","sentiment_score":0.05517423897981644},{"text":"Yeah.","start":2119.0251,"end":2119.5251,"sentiment":"neutral","sentiment_score":0.028638742864131927}],"sentiment":"neutral","sentiment_score":0.03838846060846533,"num_words":14,"start":2112.5452,"end":2119.5251},{"sentences":[{"text":"If you throw some dates and times at me, I'll yeah.","start":2119.745,"end":2130.28,"sentiment":"neutral","sentiment_score":0.010756548832763325},{"text":"That won't be any good.","start":2130.28,"end":2131.0798,"sentiment":"neutral","sentiment_score":-0.25951662957668303},{"text":"I'm on nights.","start":2131.0798,"end":2131.56,"sentiment":"neutral","sentiment_score":-0.04472622275352478},{"text":"Just the night before.","start":2131.56,"end":2132.54,"sentiment":"neutral","sentiment_score":-0.015469411155208945},{"text":"Yep.","start":2148.055,"end":2148.555,"sentiment":"neutral","sentiment_score":0.046206485480070114}],"sentiment":"neutral","sentiment_score":-0.055379622421848275,"num_words":24,"start":2119.745,"end":2148.555},{"sentences":[{"text":"04:30 would be good.","start":2148.615,"end":2149.68,"sentiment":"neutral","sentiment_score":0.07840614300221205},{"text":"Yeah.","start":2150.72,"end":2151.22,"sentiment":"neutral","sentiment_score":0.08605299890041351},{"text":"Yeah.","start":2154.4,"end":2154.9,"sentiment":"neutral","sentiment_score":0.041224781423807144},{"text":"Mhmm.","start":2160.16,"end":2160.66,"sentiment":"neutral","sentiment_score":-0.007483678869903088},{"text":"That'd be great.","start":2170.2349,"end":2171.135,"sentiment":"positive","sentiment_score":0.3906079928080241}],"sentiment":"neutral","sentiment_score":0.1605242651887238,"num_words":10,"start":2148.615,"end":2171.135},{"sentences":[{"text":"Yep.","start":2171.355,"end":2171.675,"sentiment":"positive","sentiment_score":0.4181550443172455},{"text":"That'd be awesome.","start":2171.675,"end":2172.4749,"sentiment":"positive","sentiment_score":0.7256935636202494},{"text":"Thank you.","start":2172.4749,"end":2173.215,"sentiment":"positive","sentiment_score":0.7464897334575653},{"text":"Yeah.","start":2192.6099,"end":2192.93,"sentiment":"neutral","sentiment_score":0.04621192067861557},{"text":"I'm sorry.","start":2192.93,"end":2193.21,"sentiment":"neutral","sentiment_score":0.022554143331944942}],"sentiment":"positive","sentiment_score":0.46439282327062553,"num_words":9,"start":2171.355,"end":2193.21},{"sentences":[{"text":"I'm gonna go back in.","start":2193.21,"end":2194.47,"sentiment":"neutral","sentiment_score":0.008368016313761472},{"text":"Yep.","start":2199.7249,"end":2200.2249,"sentiment":"neutral","sentiment_score":0.07619662582874298},{"text":"Mhmm.","start":2213.88,"end":2214.38,"sentiment":"neutral","sentiment_score":0.05788424238562584},{"text":"Mhmm.","start":2224.345,"end":2224.845,"sentiment":"neutral","sentiment_score":-0.008839227259159088},{"text":"Yes.","start":2235.545,"end":2236.045,"sentiment":"neutral","sentiment_score":0.13563501834869385}],"sentiment":"neutral","sentiment_score":0.03363519343030122,"num_words":9,"start":2193.21,"end":2236.045},{"sentences":[{"text":"No worries.","start":2248.99,"end":2249.6501,"sentiment":"neutral","sentiment_score":0.14995716512203217},{"text":"So I can just double date both of those and it'll sign.","start":2249.905,"end":2253.5251,"sentiment":"neutral","sentiment_score":0.14380049146711826},{"text":"It's just loading.","start":2261.5051,"end":2262.645,"sentiment":"neutral","sentiment_score":0.21298047403494516},{"text":"You will get the the signed document by mail.","start":2265.32,"end":2268.12,"sentiment":"neutral","sentiment_score":0.196221219168769},{"text":"Oh, yeah.","start":2268.12,"end":2268.3599,"sentiment":"neutral","sentiment_score":0.18817079812288284}],"sentiment":"neutral","sentiment_score":0.17167122209710733,"num_words":28,"start":2248.99,"end":2268.3599},{"sentences":[{"text":"I think I've done it.","start":2268.3599,"end":2269.56,"sentiment":"neutral","sentiment_score":0.21393498182296752},{"text":"It's signed.","start":2269.56,"end":2270.2,"sentiment":"neutral","sentiment_score":0.19400347769260406},{"text":"Yep.","start":2270.2,"end":2270.7,"sentiment":"neutral","sentiment_score":0.2730731964111328},{"text":"Yep.","start":2270.76,"end":2271.26,"sentiment":"neutral","sentiment_score":0.33204084634780884},{"text":"Mhmm.","start":2288.195,"end":2288.695,"sentiment":"neutral","sentiment_score":0.1559191346168518}],"sentiment":"neutral","sentiment_score":0.22187150418758392,"num_words":10,"start":2268.3599,"end":2288.695},{"sentences":[{"text":"Yep.","start":2302.965,"end":2303.365,"sentiment":"neutral","sentiment_score":0.049596816301345825},{"text":"So between but in the in the last financial year, I'm just trying to see where is it I just want a an actual figure of how much.","start":2303.365,"end":2313.465,"sentiment":"neutral","sentiment_score":-0.01770052200715457},{"text":"Yeah.","start":2314.645,"end":2315.145,"sentiment":"neutral","sentiment_score":0.11840619891881944},{"text":"Mhmm.","start":2329.065,"end":2329.565,"sentiment":"neutral","sentiment_score":0.02434224635362625},{"text":"Five 41.","start":2335.145,"end":2336.2048,"sentiment":"neutral","sentiment_score":0.019298657774925232}],"sentiment":"neutral","sentiment_score":-0.008020364820505634,"num_words":33,"start":2302.965,"end":2336.2048},{"sentences":[{"text":"Yep.","start":2336.265,"end":2336.765,"sentiment":"neutral","sentiment_score":0.046069905161857605},{"text":"Yep.","start":2341.545,"end":2342.045,"sentiment":"neutral","sentiment_score":0.03786800429224968},{"text":"Perfect.","start":2344.345,"end":2344.845,"sentiment":"neutral","sentiment_score":0.2883870005607605},{"text":"I'm on the fifth of the fifth.","start":2346.21,"end":2348.05,"sentiment":"neutral","sentiment_score":0.1781827892575945},{"text":"So, yes, it's yeah.","start":2348.05,"end":2349.49,"sentiment":"neutral","sentiment_score":0.18946095928549767}],"sentiment":"neutral","sentiment_score":0.16981773371143,"num_words":14,"start":2336.265,"end":2349.49},{"sentences":[{"text":"Cool.","start":2349.49,"end":2349.99,"sentiment":"positive","sentiment_score":0.3355169892311096},{"text":"On the fifth of the fifth.","start":2366.735,"end":2368.0352,"sentiment":"neutral","sentiment_score":0.02898474596440792},{"text":"Yep.","start":2369.2952,"end":2369.7952,"sentiment":"neutral","sentiment_score":0.08165300637483597},{"text":"Perfect.","start":2369.935,"end":2370.435,"sentiment":"neutral","sentiment_score":0.25707411766052246},{"text":"Yep.","start":2373.8,"end":2374.04,"sentiment":"neutral","sentiment_score":0.08224523067474365}],"sentiment":"neutral","sentiment_score":0.09303978197276593,"num_words":10,"start":2349.49,"end":2374.04},{"sentences":[{"text":"No dramas.","start":2374.04,"end":2374.78,"sentiment":"neutral","sentiment_score":0.03712903615087271},{"text":"No worries.","start":2376.9202,"end":2377.58,"sentiment":"neutral","sentiment_score":0.09478303790092468},{"text":"Yeah.","start":2377.72,"end":2378.04,"sentiment":"neutral","sentiment_score":0.10697678476572035},{"text":"Absolutely.","start":2378.04,"end":2378.4402,"sentiment":"neutral","sentiment_score":0.16372182965278623},{"text":"That's no.","start":2378.4402,"end":2378.84,"sentiment":"neutral","sentiment_score":0.043237479403615005}],"sentiment":"neutral","sentiment_score":0.07762471516616642,"num_words":8,"start":2374.04,"end":2378.84},{"sentences":[{"text":"That's fine.","start":2378.84,"end":2379.4001,"sentiment":"positive","sentiment_score":0.5162709653377533},{"text":"I think thanks very much.","start":2379.4001,"end":2380.6,"sentiment":"positive","sentiment_score":0.5515222907066345},{"text":"It makes sense.","start":2380.6,"end":2381.56,"sentiment":"neutral","sentiment_score":-0.0010158469279607136},{"text":"And, yeah, I'll put on my to do list to, yeah, do the will, and I'll yeah.","start":2381.56,"end":2390.095,"sentiment":"neutral","sentiment_score":0.13852643221616745},{"text":"For sure.","start":2390.095,"end":2390.915,"sentiment":"neutral","sentiment_score":0.05831596814095974}],"sentiment":"neutral","sentiment_score":0.21581679749591598,"num_words":29,"start":2378.84,"end":2390.915},{"sentences":[{"text":"I'll actually I'll hopefully if I can try and do that before I speak to you on Tuesday.","start":2390.9749,"end":2398.675,"sentiment":"neutral","sentiment_score":0.11228342271513408},{"text":"Yeah.","start":2402.35,"end":2402.85,"sentiment":"neutral","sentiment_score":0.13135167956352234},{"text":"No worries.","start":2420.015,"end":2420.6548,"sentiment":"positive","sentiment_score":0.4680636376142502},{"text":"Thanks very much, Veronica.","start":2420.6548,"end":2421.795,"sentiment":"positive","sentiment_score":0.8169324398040771},{"text":"Cheers.","start":2426.815,"end":2427.2148,"sentiment":"positive","sentiment_score":0.7559016942977905}],"sentiment":"neutral","sentiment_score":0.27354661604532826,"num_words":26,"start":2390.9749,"end":2427.2148},{"sentences":[{"text":"Thank you.","start":2427.2148,"end":2427.6948,"sentiment":"positive","sentiment_score":0.766299694776535},{"text":"Bye bye.","start":2427.6948,"end":2428.227,"sentiment":"positive","sentiment_score":0.40451112389564514}],"sentiment":"positive","sentiment_score":0.5854054093360901,"num_words":4,"start":2427.2148,"end":2428.227}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Lauren speaking.\n\nChannel 0: Good morning. This\n\nChannel 1: I'm\n\nChannel 0: is Veronica from Financial. How are you?\n\nChannel 1: good. Thank you, Veronica.\n\nChannel 0: That's good. I had you booked in to go over your annual review. Is now still a good time for you?\n\nChannel 1: Yes. Yes. It\n\nChannel 0: Yeah.\n\nChannel 1: is.\n\nChannel 0: Perfect. And apologies I'm calling a couple of minutes late. Some IT problems, you know, in the morning, first thing on Tuesday.\n\nChannel 1: Fine. No dramas.\n\nChannel 0: Thank you. Now just before I do go any further, I just need to let you\n\nChannel 1: Yep.\n\nChannel 0: know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And I do have a password on file for security. Do you know what that might be?\n\nChannel 1: Lighty, where it says\n\nChannel 0: Busy.\n\nChannel 1: dog.\n\nChannel 0: Yeah. That's it. And how's your morning been? Been busy?\n\nChannel 1: Yeah. Just the usual getting a\n\nChannel 0: Yeah.\n\nChannel 1: 16 year old to school that doesn't wanna be at school. It's always fun.\n\nChannel 0: I can imagine. Well, I will try not to keep you for too long this morning. But before I do kind of jump in through the annual review, I do like to start by asking if there is anything specific you would like me to focus on today or if you have any particular questions or just a bit of a catch up and see what's happened in the last twelve months.\n\nChannel 1: Pretty much as a catch up and and what happened just where my, yeah, where my my balance is at at the moment and\n\nChannel 0: Yep.\n\nChannel 1: yeah.\n\nChannel 0: Yes. Sounds good. Yeah. Perfect. Now what I will do first is just to run through a bit of an updated fact find with you just to see if there's anything major that has changed in your life, if we need to make any changes to your advice.\n\nSo just kind of bear with me as I go through this question. Now has your address changed at all, or\n\nChannel 1: No.\n\nChannel 0: you're still not perfect? Now personal information, I have you down here as single with one financial dependent. That's correct? Perfect. And I have Renee, your sister nominated as next of kin.\n\nThat's\n\nChannel 1: Yep.\n\nChannel 0: also\n\nChannel 1: Right.\n\nChannel 0: still the case? Perfect.\n\nChannel 1: Yep.\n\nChannel 0: And her phone number hasn't changed. Still ends with 688.\n\nChannel 1: Yes. That's correct.\n\nChannel 0: Yeah. Perfect. Now employment wise, has any of that changed or still working\n\nChannel 1: Right.\n\nChannel 0: at the no.\n\nChannel 1: Still\n\nChannel 0: Perfect.\n\nChannel 1: there twenty twenty six years later.\n\nChannel 0: You must like it, though.\n\nChannel 1: I yeah. It's I\n\nChannel 0: Yeah.\n\nChannel 1: mean, nursing's nursing at I mean,\n\nChannel 0: Yeah.\n\nChannel 1: it's yeah. It's something it's different every day. So my\n\nChannel 0: Yes.\n\nChannel 1: my role is managing. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: So it's not it doesn't get mundane.\n\nChannel 0: No.\n\nChannel 1: So\n\nChannel 0: Doesn't\n\nChannel 1: yeah.\n\nChannel 0: get boring.\n\nChannel 1: No.\n\nChannel 0: I'm still working back to twenty three hours part time.\n\nChannel 1: A week?\n\nChannel 0: Yes. Correct.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Perfect. I have income at about 95,000.\n\nChannel 1: Yeah. That'll be it's probably slightly more this year.\n\nChannel 0: Mhmm.\n\nChannel 1: We've had, yeah, we've had some success with pay rises and stuff like that through the unions\n\nChannel 0: Oh,\n\nChannel 1: and\n\nChannel 0: nice.\n\nChannel 1: stuff. And I'm just looking at my last payslip.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Sorry. The correct folder up for a start will help. My last payslip from due to be paid again today, but I did notice\n\nChannel 0: Mhmm.\n\nChannel 1: that it's all password protected. What do we got? So my year to date gross\n\nChannel 0: Mhmm.\n\nChannel 1: currently is '96.\n\nChannel 0: Oh, yeah. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Does it have a fortnightly, weekly, anything? Monthly?\n\nChannel 1: My well, my because I do shift work and depending on, yeah, whether you work weekends or not, my pay, it it can be different. I can yeah. Like, we've it's it's always different all the time, but I just noticed that, I mean, it's only I've still got pretty much a month and a half. So\n\nChannel 0: Yeah.\n\nChannel 1: it'll be more it'll be more than 95, maybe year to date growth is what I'm trying to say.\n\nChannel 0: Yeah.\n\nChannel 1: Not\n\nChannel 0: Perfect.\n\nChannel 1: not significantly more, but, yeah, like, it'll be probably more like a 100 and something.\n\nChannel 0: Yep. Okay. Perfect. Now that's good. And they did anything change with the pay rise agreement, or is it still that 12% employee contribution interest super?\n\nWas there any additional benefit? Do you know?\n\nChannel 1: No. I I'm not putting anything in myself, but that was a question I was wondering. Like, should should I be would would I gain any like, what would be the benefits? And\n\nChannel 0: Mhmm. And so, yes, definitely. It is a great way to boost your superannuation, but also reduce your taxable income a little bit\n\nChannel 1: yeah.\n\nChannel 0: because contributions going into super is taxed concessionally at 15%. And, obviously, your marginal tax rate is is higher than that for you.\n\nChannel 1: Yes.\n\nChannel 0: So it is a great way to do it, and, also, obviously, everything compounds into superannuation. The the downside of what you'll be mindful of is, well, it is locked in until you meet a condition of release. So often, let's say, ten sixty and retire. So it would have to be, obviously, that you're comfortable forgoing some of your pay and knowing that it will be locked in until at least 60.\n\nChannel 1: Yeah. That's\n\nChannel 0: Mhmm.\n\nChannel 1: what I\n\nChannel 0: That's\n\nChannel 1: I think that's what put me off in the past. So I don't know that I'll like, yeah, that I'll always\n\nChannel 0: yes. And\n\nChannel 1: that's alright. Nice.\n\nChannel 0: you yeah. Because usually the best way to do it as well is like, okay. Well, how much are you currently saving in, like, a week, a month, or fortnightly? Do you know?\n\nChannel 1: Yeah. That varies as well from yeah. Maybe yeah. Because, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: what\n\nChannel 0: That's\n\nChannel 1: I\n\nChannel 0: right.\n\nChannel 1: discussed\n\nChannel 0: Yeah.\n\nChannel 1: was yeah. My card is it yeah. Maybe just doing a one lump sum, one prior to the\n\nChannel 0: Yes.\n\nChannel 1: end of\n\nChannel 0: The\n\nChannel 1: the financial\n\nChannel 0: end of the financial\n\nChannel 1: year\n\nChannel 0: day?\n\nChannel 1: with\n\nChannel 0: Yep.\n\nChannel 1: yeah. If I if\n\nChannel 0: We\n\nChannel 1: I\n\nChannel 0: could\n\nChannel 1: choose to as opposed to it being locked in.\n\nChannel 0: regularly. Yeah. So we we can do that as well. So if you don't wanna do it\n\nChannel 1: Yeah.\n\nChannel 0: weekly, some people do it as a as a lump sum. Often, you have, like, self employed people and stuff like that doing it, or you just don't know where your cash flow and everything's at. And before the end of the financial, if you have saved anything up, you can do it as a bit of a lump sum. If you do wanted to do it as a lump sum, just give me a call and let me know how much you were thinking of just so that I can run the numbers for you. Because there is as well, if you wanted to do it, like, pretax or similar function or salary sacrifice, there is a concessional cap of 30,000 each financial year.\n\nSo\n\nChannel 1: Yeah. I wouldn't there\n\nChannel 0: if\n\nChannel 1: wouldn't be any it wouldn't be anything\n\nChannel 0: okay.\n\nChannel 1: anywhere\n\nChannel 0: Perfect.\n\nChannel 1: near that. Yeah. It'd be\n\nChannel 0: That's\n\nChannel 1: yeah.\n\nChannel 0: good\n\nChannel 1: It'd\n\nChannel 0: because\n\nChannel 1: be like, it'd be sort of at, you know, at the most maybe, like, $5 or something\n\nChannel 0: okay.\n\nChannel 1: like that. It won't be it won't\n\nChannel 0: Okay.\n\nChannel 1: be anything we're not we're not talking mega millions.\n\nChannel 0: Okay. Perfect. Just because you never know. Sometimes people like, oh, yeah. Like, I've, you know, had a bonus or I've, you know, saved so much, and I wanna put heaps in and, like, that's great.\n\nJust let me do the math. If it's a couple of grand because if if we just like, obviously, income has increased a little bit, so you will be a little bit more. But based on the 95,000, your employer will put in about 11,400 if they pay that standard 12%.\n\nChannel 1: Yeah.\n\nChannel 0: So you\n\nChannel 1: It's\n\nChannel 0: still\n\nChannel 1: sitting\n\nChannel 0: have\n\nChannel 1: at it's sitting at $1,111,282 that my employer has put into the sofa.\n\nChannel 0: Perfect. So\n\nChannel 1: So\n\nChannel 0: pretty\n\nChannel 1: they're\n\nChannel 0: similar.\n\nChannel 1: yeah. They're\n\nChannel 0: Yeah.\n\nChannel 1: right.\n\nChannel 0: Oh,\n\nChannel 1: Yep.\n\nChannel 0: that's that's good. So you do have plenty of space. If it is that you wanna put it in, like, let's say, from your bank account, so after tax you wanna put it in and if you would like to change it to pretax, just let us know because we can do all of that for you.\n\nChannel 1: Mhmm.\n\nChannel 0: Just I would say because with, Hub twenty four and everything like that, you don't wanna leave it too close to the end of the financial year because they get really busy. So even do it, like, a couple of weeks out. If you do a contribution, just let me know, and then I'll let the team know, and we can change it for you to\n\nChannel 1: Mhmm.\n\nChannel 0: give you that little tax back if if that's what you are wanting to do. So, yeah, just just keep it in mind and let me know if you decide to do it that way.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Otherwise, when it comes to assets and liabilities, I have here your main property was last five at about 08:30. Is that still the case? Would you know if that got went up a little bit?\n\nChannel 1: It's probably gone up.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Do you know roughly?\n\nChannel 1: I'd I'd probably say 900\n\nChannel 0: Oh,\n\nChannel 1: thousand.\n\nChannel 0: perfect.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: Yep. And you don't have a mortgage attached to that one,\n\nChannel 1: No.\n\nChannel 0: do you?\n\nChannel 1: No.\n\nChannel 0: Nope.\n\nChannel 1: I don't.\n\nChannel 0: Beautiful. Do you also have their motor vehicle valued at about 45,000?\n\nChannel 1: Yeah. Actually, I think that's probably gone down as well as as it\n\nChannel 0: Mhmm.\n\nChannel 1: does.\n\nChannel 0: Yes. Unfortunately,\n\nChannel 1: I'll just put in my last\n\nChannel 0: it appreciates.\n\nChannel 1: yeah. R a c b. Give me Okay. Let me sorry. Do you have this one going to the what have we got?\n\nSorry. The last I see the renewal headed at\n\nChannel 0: No. That's okay.\n\nChannel 1: Sorry. What did we agree the value as? Sorry. This is so much fine print\n\nChannel 0: No. That's\n\nChannel 1: here.\n\nChannel 0: okay.\n\nChannel 1: Agree value. Yeah. $37.03 50.\n\nChannel 0: 30\n\nChannel 1: So yeah. It's gone down.\n\nChannel 0: $7.03.\n\nChannel 1: Thirty seven three 50. Yeah.\n\nChannel 0: Perfect. And do you have anything going on the motor vehicle?\n\nChannel 1: Yep. That'd be around about was that 17,000?\n\nChannel 0: 17. Perfect. That's nice. It was about 32 last time we spoke. So that's a nice chunk of, so good job.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: I also have here savings at about 25.\n\nChannel 1: Yeah. That is yeah. Probably be yeah. Probably more like 20. I\n\nChannel 0: About\n\nChannel 1: had\n\nChannel 0: 20.\n\nChannel 1: to to shout\n\nChannel 0: Yep.\n\nChannel 1: out that. Yep.\n\nChannel 0: And I also have a personal loan about 7 and a half.\n\nChannel 1: No. That's down to 1 and a half.\n\nChannel 0: Oh, beautiful.\n\nChannel 1: Mhmm.\n\nChannel 0: And credit card about 5,000.\n\nChannel 1: Well, I've got that that's my limit, but I don't have anything on it at the moment.\n\nChannel 0: Okay. I'll just update\n\nChannel 1: Yes.\n\nChannel 0: that. It's just\n\nChannel 1: Yes.\n\nChannel 0: kinda, like, for points and stuff sometimes or\n\nChannel 1: Yeah. I\n\nChannel 0: emergency.\n\nChannel 1: I would just pay I pay every yeah. I pay everything with that for the month and then price in the month, I just pay pay off the\n\nChannel 0: Yeah. Okay. Perfect.\n\nChannel 1: yeah.\n\nChannel 0: No.\n\nChannel 1: Yeah.\n\nChannel 0: I'll just remove that then if you don't\n\nChannel 1: And\n\nChannel 0: have\n\nChannel 1: it's\n\nChannel 0: anything\n\nChannel 1: only\n\nChannel 0: owing on it.\n\nChannel 1: it says,\n\nChannel 0: Yep.\n\nChannel 1: yeah, it's only 4, yeah, 4 and a half, which is pretty much, yeah, per month.\n\nChannel 0: Yep.\n\nChannel 1: That's like a full week. Yeah.\n\nChannel 0: Yeah. Perfect. Now health and lifestyle, why so have you down here as a nonsmoker? Is that still the case?\n\nChannel 1: Correct. Yep.\n\nChannel 0: Perfect. And have you had any changes to your health at all in the last twelve months? Mhmm.\n\nChannel 1: I was taking methotrexate for rheumatoid arthritis, but I'm\n\nChannel 0: Yeah.\n\nChannel 1: no longer taking that anymore.\n\nChannel 0: Oh, that's good. Has it gotten better\n\nChannel 1: Yeah.\n\nChannel 0: for you?\n\nChannel 1: Beg your pardon?\n\nChannel 0: Has that arthritis kind of\n\nChannel 1: Yeah. Yeah. The symptoms, yeah, suicide, and so in consultation with my specialist, ceased taking that medication\n\nChannel 0: yeah.\n\nChannel 1: about five, six months ago, and I've got a review coming up. So touch wood, I haven't had to to go back on that, which is good because I when I went through and got, like, the insurance and stuff with you guys, the\n\nChannel 0: Yes.\n\nChannel 1: house I had to be, like, getting to write a letter and, like,\n\nChannel 0: Yes.\n\nChannel 1: saying that there's an impact to my work and it's like, I'm not on\n\nChannel 0: Yes.\n\nChannel 1: that anymore with this book.\n\nChannel 0: Yeah. Oh, that's beautiful. That's\n\nChannel 1: Yeah.\n\nChannel 0: great. And\n\nChannel 1: Yeah.\n\nChannel 0: when did you\n\nChannel 1: I've\n\nChannel 0: stop clicking that?\n\nChannel 1: stopped taking that in that was it this before Christmas. It would've been at the November '20\n\nChannel 0: Oh, beautiful.\n\nChannel 1: five. Yeah.\n\nChannel 0: Oh, that's great news.\n\nChannel 1: Yeah. So it's coming up six months. Yeah.\n\nChannel 0: Yeah. And you're still feeling like, okay. Obviously, in stopping\n\nChannel 1: Yeah.\n\nChannel 0: it? Yeah.\n\nChannel 1: Yeah. All\n\nChannel 0: Oh,\n\nChannel 1: good.\n\nChannel 0: great. Any other changes to your health otherwise?\n\nChannel 1: Nope.\n\nChannel 0: Nope. Perfect.\n\nChannel 1: Nope.\n\nChannel 0: And do you have private health insurance?\n\nChannel 1: I do. Yes.\n\nChannel 0: Yes. Perfect. Now when it comes to estate planning, I have here that last time we spoke to you, you were kind of looking at getting your will sorted through work if you got some discounts\n\nChannel 1: Yes.\n\nChannel 0: potentially.\n\nChannel 1: I I that that's still a work in progress. I've\n\nChannel 0: Mhmm.\n\nChannel 1: I've been at least back on my behalf, but it is definitely on my list. So\n\nChannel 0: No. That's okay. And do you have anyone who makes any financial decisions on your behalf or\n\nChannel 1: No. I\n\nChannel 0: earn an\n\nChannel 1: don't.\n\nChannel 0: income overseas at all?\n\nChannel 1: No.\n\nChannel 0: No. Perfect. And are you politically exposed at all, directly involved in politics? No. Perfect.\n\nAnd when it comes to beneficiaries, so in the event that something were to happen to you, I have your your son, Kai, nominated.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: That's\n\nChannel 1: That's\n\nChannel 0: still\n\nChannel 1: correct.\n\nChannel 0: correct.\n\nChannel 1: That's\n\nChannel 0: Perfect.\n\nChannel 1: correct.\n\nChannel 0: And the other thing is just kind of, I guess, goals. So stuff that you're working towards and that you are wanting to achieve. Now last time we spoke to you, your main focus was to kind of pay down the personal loan, which you've\n\nChannel 1: Yep.\n\nChannel 0: done very\n\nChannel 1: We\n\nChannel 0: well\n\nChannel 1: should've\n\nChannel 0: in.\n\nChannel 1: done that. Yep.\n\nChannel 0: Yes. Potentially, look at some salary sacrificing and then maybe do some house renovation. Are you still wanting to do a bit of house renovation, or did you end\n\nChannel 1: Yeah.\n\nChannel 0: up\n\nChannel 1: That's\n\nChannel 0: doing\n\nChannel 1: that is still, yeah, that's still a plan. I've I've done\n\nChannel 0: Yep.\n\nChannel 1: some, hence why, yeah, my savings has dropped a little bit. I've used\n\nChannel 0: Yep.\n\nChannel 1: that directly, but I'm yeah. I've it is still a plan to get some yeah. Do some some reno.\n\nChannel 0: There's\n\nChannel 1: So,\n\nChannel 0: some renovation? Yeah.\n\nChannel 1: yeah,\n\nChannel 0: Beautiful. And is there\n\nChannel 1: I'll probably take I'm probably\n\nChannel 0: Yes.\n\nChannel 1: gonna I'm probably I'm thinking of taking or getting some advice and just seeing what it would be to get a a loan, like a\n\nChannel 0: Mhmm.\n\nChannel 1: sort of a loan to do that because I've still, yeah, I've still got, like, that seventeen, eighteen on the car. I'm also thinking if I maybe\n\nChannel 0: Yeah.\n\nChannel 1: get a against the house because I've so I I own, like, I own that. And,\n\nChannel 0: Yes. And sometimes interest rate's a bit lower on on that\n\nChannel 1: yeah,\n\nChannel 0: than\n\nChannel 1: and I'm sort of I'm sort\n\nChannel 0: other\n\nChannel 1: of thinking\n\nChannel 0: things.\n\nChannel 1: it'd be it'd be a good way to get it get it done if I pay that out because I I salary I salary sacrifice. I do salary sacrificing, which is, I guess, a benefit of of my job, which is great. But\n\nChannel 0: Yeah.\n\nChannel 1: that's I do use $3.39. I I get I pretty much get 440 a fortnight, like, pretax, whether they could get taken out for tax. And I used that $4.50 to pay off a fortnight to pay off my car.\n\nChannel 0: Oh,\n\nChannel 1: So\n\nChannel 0: nice.\n\nChannel 1: if I'm\n\nChannel 0: Yep.\n\nChannel 1: so what I'm thinking is if I had a if I went and spoke to my U bank\n\nChannel 0: Yep.\n\nChannel 1: about, yeah, getting something that pays off and then, you know, if I'm use if I'm putting that money towards you know, if I can yeah. If I'm I'm thinking I'll probably be able to get, like, say, 30 or $40, which would be enough for me to do what I wanna do, pay\n\nChannel 0: Yeah.\n\nChannel 1: off the car, and then just, like, literally use that money plus, you know, another couple 100. I'd be able to sort of smash it out pretty quick, I think.\n\nChannel 0: Yeah. And, usually, that is what we see as well from obviously, it depends on what the interest rate and stuff like that are. But, usually, your your mortgage would be lower than, like, a car. So it's definitely a really good idea to be looking at.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Now I know you mentioned your bank. Do you have a mortgage broker or a lender or anything otherwise that looks up more options for you, or are you very happy with your bank?\n\nChannel 1: I I've only ever sort of\n\nChannel 0: Mhmm.\n\nChannel 1: gone yeah. I've I've only ever dealt with the same what we used to be, yeah, bank members of the credit union that was member of Australia now to Bank Australia. I've only ever dealt with them before,\n\nChannel 0: Yep. Yep.\n\nChannel 1: yeah, with everything I've done. So I don't really I've never used\n\nChannel 0: Like a lender\n\nChannel 1: a broker\n\nChannel 0: or anything?\n\nChannel 1: or anything. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I mean, I've yeah. I've heard I've got friends and stuff that I know if they use you know, like, I feel really good blah blah blah. But, yeah, I've I've sort of never really I know.\n\nChannel 0: Going\n\nChannel 1: Like,\n\nChannel 0: down. Yeah.\n\nChannel 1: I've never yeah. Yep.\n\nChannel 0: And and a lot of people are the same as well where it's like you've got two banks because you you trust them and you've been dealing with them. And sometimes, like, it it's easier that way. It's usually not a bad idea to look at a lender of broker as well because they have usually, they have so many different options. So they can look at it. They can compare rates across.\n\nAnd a lot of them obviously still factor in all the big banks as well. So they can\n\nChannel 1: Yes.\n\nChannel 0: pull rates across all the banks and then give you, like, a proposal of well, based on your situation, this bank offers this rate or this bank offers this rate.\n\nChannel 1: Okay.\n\nChannel 0: And\n\nChannel 1: Yes.\n\nChannel 0: true. So I would and it doesn't cost anything to get a a review. So if you want, it's up to you. If you have some friends that have a really good broker, it's always good to assess. But if not, we work very closely with a couple as well.\n\nSo if you want me to, I can always pass on your contact details to them and get them to give you a call to see what rates and stuff they would be able to get for you. Is that something you would be interested in, or do you do you have some friends\n\nChannel 1: I think\n\nChannel 0: that you'd try to go to?\n\nChannel 1: yeah. I I think what I'll do is I'll I'll go and see, like, to get I've I've find it better\n\nChannel 0: Mhmm.\n\nChannel 1: for me to if I have, like, a face to face\n\nChannel 0: Yes.\n\nChannel 1: instead of doubt. Like, I know that I know that that the team down there. So I might go and just\n\nChannel 0: Yes.\n\nChannel 1: speak to them and just see what they've got to say and then look at the rates and then\n\nChannel 0: Yes.\n\nChannel 1: sort of get get it in my head what I'd\n\nChannel 0: Yeah.\n\nChannel 1: be looking at. And and then I\n\nChannel 0: Then\n\nChannel 1: think if\n\nChannel 0: compare.\n\nChannel 1: I spoke to a broker, I have more of an understanding.\n\nChannel 0: Yes. And that's\n\nChannel 1: Yeah.\n\nChannel 0: a good idea as well.\n\nChannel 1: Yeah.\n\nChannel 0: And definitely shop around because sometimes you can get pretty good rates. But sometimes, yeah, if if your bank, they they might be good as well. So definitely have a look at a couple of options because,\n\nChannel 1: Yes.\n\nChannel 0: yeah, you can usually get pretty good ones, but that's good. That's a good idea to to have a look at, especially if you're wanting to do some renovations and with the car loan and even with the personal loan potentially. Like, I know it's almost done, but sometimes reducing everything and just have it into the one, if\n\nChannel 1: Yeah.\n\nChannel 0: you can get\n\nChannel 1: Right.\n\nChannel 0: cheaper\n\nChannel 1: So\n\nChannel 0: rates,\n\nChannel 1: I was sort\n\nChannel 0: that will\n\nChannel 1: of thinking\n\nChannel 0: save\n\nChannel 1: it\n\nChannel 0: you.\n\nChannel 1: might just be easier. I'll I'd just pay out the yeah. I'd just pay out the personal\n\nChannel 0: Yeah.\n\nChannel 1: loan because that's that's nothing. And then, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: just the car, which has literally got another would be sick or I think I did I did over seven years from December, so it'll be a year. What are we now? The five. Yes. So there'd be another eighteen months\n\nChannel 0: Yeah.\n\nChannel 1: on the car too.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yeah. And that's a good idea. So, yeah, good that to have a look at that. Let me know how you go. If you do need any suggestions or if you are stuck on what to do, just give me a call\n\nChannel 1: yeah.\n\nChannel 0: with\n\nChannel 1: For\n\nChannel 0: them in\n\nChannel 1: sure.\n\nChannel 0: email,\n\nChannel 1: No.\n\nChannel 0: and we can always have a look at that for you. But that's that's a great idea. Anything else or that's if\n\nChannel 1: Yep.\n\nChannel 0: if you're seeing\n\nChannel 1: No.\n\nChannel 0: things\n\nChannel 1: That\n\nChannel 0: to work on?\n\nChannel 1: no. That's pretty much it. Yeah. Just\n\nChannel 0: Yeah.\n\nChannel 1: yeah. Yep.\n\nChannel 0: Perfect. And, otherwise, when it comes to superannuation, I have here that, ideally, you would love to retire at 60 and draw a weekly income of about $1,000 per week from super. Is that\n\nChannel 1: Yep.\n\nChannel 0: still the\n\nChannel 1: That's\n\nChannel 0: case?\n\nChannel 1: what I'm that would be what I'm aiming towards. Yeah. For sure.\n\nChannel 0: Yep. Perfect. And I guess in terms of superannuation goals, otherwise, I have here that your your focus is to make sure everything is set up correctly, that it is moving in the right direction,\n\nChannel 1: Mhmm.\n\nChannel 0: and, yeah, just making sure you are kind of growing it as much as you can.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. That's still all kind of the the same?\n\nChannel 1: Pretty much.\n\nChannel 0: Yeah. Perfect. Now the next thing I quickly run over here with you, it's just a bit of an updated risk profile questionnaire. Just multiple choice to make it nice and easy, and that is just to see if we need to make any changes to your risk profile. If it doesn't make sense,\n\nChannel 1: Mhmm.\n\nChannel 0: just let me know. Now have you ever bought direct shares on the stock market yourself?\n\nChannel 1: No.\n\nChannel 0: Nope. Perfect. Next is in regards to how much risk you are willing to take for your superannuation. Obviously, being a bit long term, would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation?\n\nChannel 1: I probably go in the middle.\n\nChannel 0: Middle? Sorry. About\n\nChannel 1: Yeah.\n\nChannel 0: moderate\n\nChannel 1: Yeah.\n\nChannel 0: or high?\n\nChannel 1: Moderate.\n\nChannel 0: No. Moderate.\n\nChannel 1: Moderate.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. And when it comes to volatility, so if after six months of placing an investment, you found out that your portfolio has decreased in value by 20%\n\nChannel 1: How\n\nChannel 0: due\n\nChannel 1: much?\n\nChannel 0: to\n\nChannel 1: How much percent? Sorry.\n\nChannel 0: 20 to zero\n\nChannel 1: Twenty. Yep. Yep. Yep.\n\nChannel 0: due to general trends in the market. So not like one particular investment that's gone bad, just kind of the market as a whole. Would you say that you if you had the option to do so, would think that now is a good time to put a little bit more in while the prices are down? Would you just kind of hold and wait to see what happens first, or would you want to sell out and move through a bit more of a secure asset? So that means you're other than selling when the prices have\n\nChannel 1: Yes. I really I found these these questions really difficult because that's why I've got, like, you guys do it because\n\nChannel 0: Yes.\n\nChannel 1: I don't know. Like, I don't I don't know. Like, I don't know what\n\nChannel 0: Yeah.\n\nChannel 1: my what I do. Like, obviously, like, that's why my answer is I'd be guarded by what\n\nChannel 0: What we\n\nChannel 1: what\n\nChannel 0: say.\n\nChannel 1: you guys\n\nChannel 0: Yeah.\n\nChannel 1: and what\n\nChannel 0: And\n\nChannel 1: you\n\nChannel 0: it\n\nChannel 1: guys\n\nChannel 0: it\n\nChannel 1: are\n\nChannel 0: is\n\nChannel 1: saying. So\n\nChannel 0: it is tricky because this just gives me it gives us an understanding of how your behavior would react in a situation.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I mean,\n\nChannel 0: Obviously,\n\nChannel 1: obviously,\n\nChannel 0: we factor\n\nChannel 1: I'm\n\nChannel 0: in\n\nChannel 1: I I probably would on\n\nChannel 0: Yeah.\n\nChannel 1: the side of caution. Like, I don't think\n\nChannel 0: Yep.\n\nChannel 1: I'd withdraw it and, like, panic, but\n\nChannel 0: Just\n\nChannel 1: then I don't\n\nChannel 0: hold.\n\nChannel 1: think I'd sell it. Yeah. I just\n\nChannel 0: Yeah.\n\nChannel 1: we just hold. Yeah. And\n\nChannel 0: Yeah.\n\nChannel 1: just\n\nChannel 0: And I completely understand that sometimes it is tricky because it's like, well, we are here to obviously help and guide you in the right direction and also factoring, you know, time frames and stuff like that. So there's a lot more that goes through it. This is\n\nChannel 1: yep.\n\nChannel 0: kind of one component. And and like I said, it's more so just in regards to your behavior. Because I can\n\nChannel 1: Yes.\n\nChannel 0: have clients who is, like, 20 who says, oh, yeah. I got, you know, forty years for retirement. But if super fluctuate a little bit, they are get super, super, super nervous about it, then I'm not gonna put you in a high risk even though you have time for it if you feel really uncomfortable. But then\n\nChannel 1: Yeah.\n\nChannel 0: on the flip\n\nChannel 1: Yeah.\n\nChannel 0: side, I could have a six year old who is planning on retiring in five years to go, no. I'm completely comfortable with\n\nChannel 1: Yeah. Absolutely.\n\nChannel 0: that.\n\nChannel 1: Yep. Chuck it all in\n\nChannel 0: So\n\nChannel 1: and do the best.\n\nChannel 0: yeah.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: so\n\nChannel 1: Yeah.\n\nChannel 0: there is obviously typical trends we see with, obviously, where you are, but behavior is one aspect. So\n\nChannel 1: Yeah.\n\nChannel 0: that's why\n\nChannel 1: Yeah.\n\nChannel 0: these these questions, I know it is tricky, and often it's also, well, it's like, well, what type of investment? If it's a great investment that you understand, then\n\nChannel 1: Yeah.\n\nChannel 0: perfect. If\n\nChannel 1: I\n\nChannel 0: it's\n\nChannel 1: mean,\n\nChannel 0: a bit\n\nChannel 1: in\n\nChannel 0: more\n\nChannel 1: it\n\nChannel 0: speculative,\n\nChannel 1: yeah.\n\nChannel 0: then.\n\nChannel 1: Yeah. Like, I don't know. Like, I I think the fact that I even, like, went away from, like, in that like, I went away from Hester in the first place\n\nChannel 0: Yes.\n\nChannel 1: to to go like, I think that's sort of like, I'm, yeah, I'm open to yeah. Yeah.\n\nChannel 0: A\n\nChannel 1: I\n\nChannel 0: little\n\nChannel 1: don't\n\nChannel 0: bit of both.\n\nChannel 1: know.\n\nChannel 0: Yeah.\n\nChannel 1: A bit\n\nChannel 0: No.\n\nChannel 1: of both.\n\nChannel 0: And\n\nChannel 1: Yeah.\n\nChannel 0: that and that makes sense.\n\nChannel 1: Yeah. But\n\nChannel 0: And\n\nChannel 1: I mean,\n\nChannel 0: the\n\nChannel 1: I can yeah. I definitely wouldn't be a high I wouldn't be like a a high risk taker.\n\nChannel 0: no. No.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: And we we have you kind of in a good middle range at the moment, so I'll kind of go through that as well. But the last question here is just in regards to borrowing money. So would you ever consider taking out a loan to buy an investment property or just kind of against your own property?\n\nChannel 1: Well, I actually have done that in the past when I before when\n\nChannel 0: Mhmm.\n\nChannel 1: I was married.\n\nChannel 0: Yep.\n\nChannel 1: We did do that, and it was great with when we had two incomes, but I don't think that I would do it now.\n\nChannel 0: No. Okay. Perfect. And, basically, overall, this tells me here that you have come out as a growth investor, which is the portfolio we currently have you invested, which is kind of in the middle where you are focusing on growing your superannuation as much as possible while you do have plenty of time until retirement.\n\nChannel 1: Yes.\n\nChannel 0: You know, there will be some level of fluctuations in order to try to grow that for you. But you\n\nChannel 1: Yes.\n\nChannel 0: also want, you know, a little bit of that defensive as well to limit fluctuation.\n\nChannel 1: Yes.\n\nChannel 0: So on this scale, just so you know as well, we have your aggressive plus, which is your kind of super risky where you're borrowing money against things, and then you have aggressive, high growth growth, which is where you are at the moment. And then we have your balance growth and balance. And we often see,\n\nChannel 1: Yes.\n\nChannel 0: obviously, the the closer you move to retirement and have less time, we then gradually typically start reducing that. So you are in a good time frame. Like, you're in a good kind of middle position,\n\nChannel 1: Yes.\n\nChannel 0: still\n\nChannel 1: Yep.\n\nChannel 0: growing. And time frame wise, we're looking at about minimum, we'd like to say six years on retirement, making sure you have enough time in the market. So from from all of that, it is a suitable portfolio as long as you're still comfortable to remain\n\nChannel 1: Yes.\n\nChannel 0: as a growth investor.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Great. Perfect. Now the last thing here is just to give you a bit of an update on your portfolio and everything. So do you have\n\nChannel 1: Yes.\n\nChannel 0: access to your emails at the moment, Lauren?\n\nChannel 1: I do. Yeah.\n\nChannel 0: Perfect. So I have just sent you an email with some documents to go through. If you could access that for me, that would be great. And it probably\n\nChannel 1: Sorry.\n\nChannel 0: looks\n\nChannel 1: I'm recording.\n\nChannel 0: a bit different to what you were used to because we have changed our software.\n\nChannel 1: Okay. Yep. Am I going to start going to hang on. I've got the powers.\n\nChannel 0: So\n\nChannel 1: So\n\nChannel 0: yeah. So there\n\nChannel 1: yep.\n\nChannel 0: should say a link, sign documents before you click on that.\n\nChannel 1: Yep.\n\nChannel 0: At the bottom of the email, can you see a couple of attachments?\n\nChannel 1: Yes.\n\nChannel 0: Yes. Okay. Perfect. So what you should be able to see first is one where it says OQ services guide\n\nChannel 1: Yep.\n\nChannel 0: and then an OQ financial services guide. I will\n\nChannel 1: Yep.\n\nChannel 0: let you had a read over these in your own time. You would have seen this one before. Every time is\n\nChannel 1: Yes.\n\nChannel 0: one of those\n\nChannel 1: Yeah.\n\nChannel 0: compliance documents. Not much has changed in terms of important information. It's all in there for you. We've\n\nChannel 1: Mhmm.\n\nChannel 0: had a bit of a revamp to marketing. So when you do have a look at it, you'll see a couple of new photos and marketing, and we've also had a bit of an extension to the team. So when you have a moment, you wanna have a look through them, that's all in there. And if you do have a look at it, you will also see my face there if you do wanna put a, you know, a face to the voice.\n\nChannel 1: No worries.\n\nChannel 0: Perfect. Now do you also have one where it says super and insurance summary?\n\nChannel 1: Yes. I do.\n\nChannel 0: Yeah. Perfect. If you could open that one for me.\n\nChannel 1: Mhmm.\n\nChannel 0: So you have your super with hub 24, and you do have a $371,155 in them. Now you also have some insurances with Neos. So you have your life and total permanent disability insurance,\n\nChannel 1: Yep.\n\nChannel 0: and that is 330,750. Are you still comfortable and happy with that level of cover if something were to happen?\n\nChannel 1: Mhmm. Yeah. That well, that's,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, that's fine. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: I don't yep.\n\nChannel 0: And, obviously, because you don't really have any debts or whatever little you have left will be easily paid off with this. Plus, obviously, that covers, you know, if anything ever were to happen in your car park, it will then obviously give you a bit of income replacement if something were to happen,\n\nChannel 1: Yes.\n\nChannel 0: and then plus the the super balance as well. Or if something were to happen to you, that will then go to your fund as well.\n\nChannel 1: Mhmm.\n\nChannel 0: So you also have your income protection. Now the income protection will pay a monthly amount of 5,878 with a thirty day waiting period and a five year benefit period. All of those are paid from superannuation. You do get a tax rebate. So after that, it's about 3,310 for all those three.\n\nYou still happy\n\nChannel 1: Yep.\n\nChannel 0: with the income protection as well?\n\nChannel 1: Yeah. That's fine. Yep.\n\nChannel 0: Yep. Perfect. Now if you can then open the next one, which should see actually, do you have a NEO certificate of currency next?\n\nChannel 1: Hang on two seconds. I'll just jump back to that one. Yes. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: I'm getting that one up now.\n\nChannel 0: Yeah. And this one here, it's just breaking down your insurances in a bit more detail. But it basically just lets you know that everything is paid and up to date for you.\n\nChannel 1: Mhmm.\n\nChannel 0: And the next one is your twelve month performance report. If you can open that one for me. Just let me know when that one's loaded for you.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep. Five\n\nChannel 0: Perfect.\n\nChannel 1: and yep.\n\nChannel 0: Now this one can look a little bit messy sometimes,\n\nChannel 1: Reach\n\nChannel 0: but\n\nChannel 1: out.\n\nChannel 0: it it does break down all of your investments. So you can see all of your investments, how how they have performed, and what's happened in the last twelve months. Now on the second page, you should see where it says total portfolio. Now that one here tells us that in the last twelve months now, we have seen quite a bit of fluctuations in the market in the last twelve\n\nChannel 1: Yes.\n\nChannel 0: months.\n\nChannel 1: Yep.\n\nChannel 0: First, you obviously had everything in The US and Trump and everything, and more recently, obviously, the war. So we have seen quite a bit of fluctuation in the last twelve months. Despite that, though, your portfolio overall has held up really well. So in the last twelve months, after all fees have come out of your account, your portfolio has still gone up by 10.51%, which\n\nChannel 1: Yep.\n\nChannel 0: we're really happy with. Now\n\nChannel 1: Yep.\n\nChannel 0: with your portfolio as well, if you scroll up to that first page again for me where it says all the\n\nChannel 1: Mhmm.\n\nChannel 0: different investments, if you look at the second column to the right versus internal rate of return,\n\nChannel 1: Yep.\n\nChannel 0: that breaks down the investment return on each of your investment. So you can see here that the one that has brackets next to\n\nChannel 1: Yes.\n\nChannel 0: it or behind it, they are down. The others\n\nChannel 1: Yes.\n\nChannel 0: are all positive. So when we do design your portfolio as well is you wanna make sure we focus on a lot of diversification. So if there are times in the market with one thing is doing really well, like you can see here, your Global X battery tech and lithium has gone up a 109%, which is crazy,\n\nChannel 1: Yes.\n\nChannel 0: which also is obviously everything with fuel prices, and that one focuses on, obviously, the the batteries and lithium that goes in through electric vehicles and stuff. So that one has gone through the roof. So they're kind of designed to balance itself up. So in the event that some areas are doing really well, it then kind of complements other areas. So, overall, it balance your portfolio.\n\nChannel 1: Okay.\n\nChannel 0: But with that, though, we have done a lot of research on the investments because things are always changing. So we wanna make sure that at all points in time, we have you in the best investment possible. And if we do a lot of research on an investment and we foresee that it's kind of underperforming a little bit and we don't foresee it coming back around as much, then we wanna look at swapping things out for you. So\n\nChannel 1: Yep.\n\nChannel 0: on the top one here where you see you've been along Australian equities, I would like to do a bit more research on looking at swapping this one out for you. So the\n\nChannel 1: Which\n\nChannel 0: investment\n\nChannel 1: one was that?\n\nChannel 0: committee,\n\nChannel 1: Sorry. The\n\nChannel 0: that's\n\nChannel 1: Vanek.\n\nChannel 0: the at the top one, all the way to the top\n\nChannel 1: Oh,\n\nChannel 0: where\n\nChannel 1: the Benelon.\n\nChannel 0: you manage\n\nChannel 1: Yes. Giant.\n\nChannel 0: fund.\n\nChannel 1: Yep.\n\nChannel 0: Yes.\n\nChannel 1: Yep.\n\nChannel 0: Yep. That one has underperformed a little bit recently. So the reason that was added to your portfolio was because they were the one of the best performing fund managers, and they were doing really, really well. More recently, they have underperformed a little bit and been a little bit slower in making their decision. And after doing quite a bit of research, we feel like there are better options out there that's going to put you in a better position.\n\nSo if you are happy for me to do so, I would like to do a bit more research and put together a proposal of looking at swapping this one for you for a better alternative option. Are you happy for me to do that?\n\nChannel 1: Yeah. Absolutely.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now it will take me about a week or so to put it all together because I wanna make sure I also factor in that if I'm obviously selling some investments for others, I wanna minimize any tax potential that would be there. And then it'll also give you an overview of, you know, the fees changes and performance and stuff like that so you can also see it. But it's also a\n\nChannel 1: Yep.\n\nChannel 0: good kind of check-in to see, well, okay, a bit of an updated projection of where things are tracking right now, and that\n\nChannel 1: Mhmm.\n\nChannel 0: might help you as well when you do decide if you wanna put a little bit more in or not the way things are kind of on track.\n\nChannel 1: Yep.\n\nChannel 0: So when is a good time for you to kind of go through that with me?\n\nChannel 1: So you need about a week to do that anyway?\n\nChannel 0: Yes. So\n\nChannel 1: Yep.\n\nChannel 0: do you have any time next week?\n\nChannel 1: Yeah. Yeah. I'm just gonna look at my I'm just gonna look at my roster one minute.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. I'm pretty good next week.\n\nChannel 0: Yep. Okay. Let me do you prefer mornings or afternoons, typically?\n\nChannel 1: Oh, look. It doesn't it just depends\n\nChannel 0: Doesn't matter?\n\nChannel 1: what yeah.\n\nChannel 0: Okay.\n\nChannel 1: Probably yeah.\n\nChannel 0: Alright. Let\n\nChannel 1: Straight\n\nChannel 0: me have\n\nChannel 1: up.\n\nChannel 0: a look.\n\nChannel 1: Yeah. If you throw some dates and times at me, I'll\n\nChannel 0: Yeah. Okay. Perfect. So I could either do Thursday, the fourteenth, and I can do at 10AM.\n\nChannel 1: yeah. That won't be any good. I'm on nights. Just the night before.\n\nChannel 0: Okay. No. Let's not do that. Otherwise, I can do Thursday the fourteenth again at 2PM, or I could do Tuesday the twelfth at 04:30.\n\nChannel 1: Yep. 04:30 would be good.\n\nChannel 0: 04:30? Okay. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: So this Tuesday the twelfth at 04:30. Now\n\nChannel 1: Yeah.\n\nChannel 0: if anything does change and you can't make it or work or anything like that,\n\nChannel 1: Mhmm.\n\nChannel 0: just let me know, and I'll see if I can shuffle a few things around for you. Otherwise, do you want a reminder text sent, like, two hours before the appointment just as\n\nChannel 1: That'd\n\nChannel 0: a little\n\nChannel 1: be great.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. That'd be awesome. Thank you.\n\nChannel 0: Beautiful. That's all locked in on next Tuesday at 04:30. Now the last thing with those documents there, Lauren, it's just then if you are happy to do so, it's through click process sign now, and it will ask you to sign through document.\n\nChannel 1: Yeah. I'm sorry. I'm gonna\n\nChannel 0: Now\n\nChannel 1: go back in.\n\nChannel 0: yep. Now just so\n\nChannel 1: Yep.\n\nChannel 0: you know as well what it is to sign is that the first one is an ongoing service agreement. Now that one here, just the usual, just to say that you are happy to remain and stay on as a client, There\n\nChannel 1: Mhmm.\n\nChannel 0: is no changes whatsoever in regards to the fee structure. So that stays exactly the same at 1.65 from super. No changes in regards to that, and it is not\n\nChannel 1: Mhmm.\n\nChannel 0: a locked contract. So if at any point in time you are not happy, there is no lock in contract. So this lets us service you in the meantime and keep everything rolling for you.\n\nChannel 1: Yes.\n\nChannel 0: And then the last one is a compliance form. It is a tax file number form. And that's just to say that we are keeping your tax file number secure and safe on file, essentially.\n\nChannel 1: No worries. So I can just double date both of those and\n\nChannel 0: Yes.\n\nChannel 1: it'll sign.\n\nChannel 0: Yes, please. Yep. And then once you've added the signature, it should see say validate, I believe.\n\nChannel 1: It's just loading. You will get the the signed document by mail. Oh, yeah. I think I've done it. It's\n\nChannel 0: Yes.\n\nChannel 1: signed.\n\nChannel 0: I\n\nChannel 1: Yep.\n\nChannel 0: can\n\nChannel 1: Yep.\n\nChannel 0: I can actually see it's already come through, which is great? Now there is so that you can click and download the documents if you ever wanna go and have a look at them. You don't have to. I always have a copy on file as well. So if at any point in time you want access to them, just let me know, and I can always get them emailed to you as well.\n\nChannel 1: Mhmm.\n\nChannel 0: Otherwise, I do have you booked in next Tuesday to go through the little research on your super investment. But do you have any other questions or need anything else from me before I let you go? And enjoy the rest of your day, otherwise, Laura.\n\nChannel 1: Yep. So between but in the in the last financial year, I'm just trying to see where is it I just want a an actual figure of how\n\nChannel 0: Mhmm.\n\nChannel 1: much.\n\nChannel 0: From the balance. Yep. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: So when we started so on the in the report, so on the 05/02/2025, your super balance was at 326,000\n\nChannel 1: Mhmm.\n\nChannel 0: 541. So 326541.\n\nChannel 1: Five 41. Yep.\n\nChannel 0: Yep. And now it's at $372.05\n\nChannel 1: Yep.\n\nChannel 0: 5.\n\nChannel 1: Perfect. I'm on the fifth of the fifth. So, yes, it's\n\nChannel 0: Yep.\n\nChannel 1: yeah. Cool.\n\nChannel 0: And let's see here. And I'm just in your account right now, and it's gone up a little bit more, which is great. Sorry. It's at three hundred and seventy three at $5.17 as of today.\n\nChannel 1: On the fifth of the fifth.\n\nChannel 0: Yes. Correct.\n\nChannel 1: Yep. Perfect.\n\nChannel 0: Yeah. Because this document was prepared on the May 1.\n\nChannel 1: Yep. No dramas.\n\nChannel 0: Yeah. Yep. Perfect. Did that answer those questions\n\nChannel 1: No worries.\n\nChannel 0: for you?\n\nChannel 1: Yeah. Absolutely. That's\n\nChannel 0: Yeah.\n\nChannel 1: no. That's fine. I think thanks\n\nChannel 0: Yeah.\n\nChannel 1: very much. It makes\n\nChannel 0: No\n\nChannel 1: sense.\n\nChannel 0: problem.\n\nChannel 1: And, yeah, I'll put on my to do list to, yeah, do the will, and\n\nChannel 0: Yes. And\n\nChannel 1: I'll\n\nChannel 0: let me know how you go with the bank and stuff like that.\n\nChannel 1: yeah. For sure.\n\nChannel 0: Of\n\nChannel 1: I'll actually I'll hopefully if I can try and do that before I speak to you on Tuesday.\n\nChannel 0: course. Yeah. Perfect. And let me know if you do want,\n\nChannel 1: Yeah.\n\nChannel 0: like, I'll yeah. Exactly to give you a call as well. So, yeah, let me know how you go with everything, and I'll let you go and enjoy the rest of your afternoon. But if there's anything that you need or any other questions between now and Tuesday next week, you can always just give me a call or send me an email as well.\n\nChannel 1: No worries. Thanks very much, Veronica.\n\nChannel 0: No problem at all. It was lovely speaking with you, and I look forward to speaking with you next Tuesday.\n\nChannel 1: Cheers. Thank you. Bye\n\nChannel 0: Thanks.\n\nChannel 1: bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Lauren speaking.","start":0.96,"end":1.86,"sentiment":"neutral","sentiment_score":0.040959322825074196}],"sentiment":"neutral","sentiment_score":0.040959322825074196,"channel":1,"num_words":2,"start":0.96,"end":1.86},{"sentences":[{"text":"Good morning.","start":2.48,"end":3.12,"sentiment":"neutral","sentiment_score":0.33153843879699707},{"text":"This","start":3.12,"end":3.28,"sentiment":"neutral","sentiment_score":0.2964962124824524}],"sentiment":"neutral","sentiment_score":0.31985769669214886,"channel":0,"num_words":3,"start":2.48,"end":3.28},{"sentences":[{"text":"I'm","start":3.1999998,"end":3.6999998,"sentiment":"positive","sentiment_score":0.3511568009853363}],"sentiment":"positive","sentiment_score":0.3511568009853363,"channel":1,"num_words":1,"start":3.1999998,"end":3.6999998},{"sentences":[{"text":"is Veronica from Financial.","start":3.28,"end":4.66,"sentiment":"neutral","sentiment_score":0.2833804488182068},{"text":"How are you?","start":5.2,"end":6.02,"sentiment":"neutral","sentiment_score":0.2394826908906301}],"sentiment":"neutral","sentiment_score":0.26456712399210247,"channel":0,"num_words":7,"start":3.28,"end":6.02},{"sentences":[{"text":"good.","start":6.3199997,"end":6.56,"sentiment":"positive","sentiment_score":0.5328996181488037},{"text":"Thank you, Veronica.","start":6.56,"end":7.46,"sentiment":"positive","sentiment_score":0.6935452222824097}],"sentiment":"positive","sentiment_score":0.6533838212490082,"channel":1,"num_words":4,"start":6.3199997,"end":7.46},{"sentences":[{"text":"That's good.","start":8.0,"end":8.9,"sentiment":"positive","sentiment_score":0.7015948593616486},{"text":"I had you booked in to go over your annual review.","start":9.5199995,"end":11.92,"sentiment":"positive","sentiment_score":0.4300409230318936},{"text":"Is now still a good time for you?","start":11.92,"end":13.62,"sentiment":"positive","sentiment_score":0.3690342307090759}],"sentiment":"positive","sentiment_score":0.43266255798793973,"channel":0,"num_words":21,"start":8.0,"end":13.62},{"sentences":[{"text":"Yes.","start":13.92,"end":14.24,"sentiment":"neutral","sentiment_score":0.13338196277618408},{"text":"Yes.","start":14.24,"end":14.48,"sentiment":"neutral","sentiment_score":0.11453577876091003},{"text":"It","start":14.48,"end":14.639999,"sentiment":"neutral","sentiment_score":0.11448521912097932}],"sentiment":"neutral","sentiment_score":0.12080098688602448,"channel":1,"num_words":3,"start":13.92,"end":14.639999},{"sentences":[{"text":"Yeah.","start":14.595,"end":14.995,"sentiment":"neutral","sentiment_score":0.1404266059398651}],"sentiment":"neutral","sentiment_score":0.1404266059398651,"channel":0,"num_words":1,"start":14.595,"end":14.995},{"sentences":[{"text":"is.","start":14.639999,"end":15.139999,"sentiment":"neutral","sentiment_score":0.16509081423282623}],"sentiment":"neutral","sentiment_score":0.16509081423282623,"channel":1,"num_words":1,"start":14.639999,"end":15.139999},{"sentences":[{"text":"Perfect.","start":14.995,"end":15.395,"sentiment":"positive","sentiment_score":0.3336218595504761},{"text":"And apologies I'm calling a couple of minutes late.","start":15.395,"end":17.875,"sentiment":"neutral","sentiment_score":-0.0984031500087844},{"text":"Some IT problems, you know, in the morning, first thing on Tuesday.","start":17.875,"end":21.655,"sentiment":"neutral","sentiment_score":-0.15564898339410624}],"sentiment":"neutral","sentiment_score":-0.10999064960262993,"channel":0,"num_words":22,"start":14.995,"end":21.655},{"sentences":[{"text":"Fine.","start":21.855,"end":22.335,"sentiment":"neutral","sentiment_score":0.03220526501536369},{"text":"No dramas.","start":22.335,"end":23.075,"sentiment":"neutral","sentiment_score":-0.006047136150300503}],"sentiment":"neutral","sentiment_score":0.0067036642382542295,"channel":1,"num_words":3,"start":21.855,"end":23.075},{"sentences":[{"text":"Thank you.","start":23.475,"end":24.295,"sentiment":"neutral","sentiment_score":0.26057709753513336},{"text":"Now just before I do go any further, I just need to let you","start":24.994999,"end":27.795,"sentiment":"neutral","sentiment_score":0.019099443618740355}],"sentiment":"neutral","sentiment_score":0.04928415035828948,"channel":0,"num_words":16,"start":23.475,"end":27.795},{"sentences":[{"text":"Yep.","start":27.72,"end":28.22,"sentiment":"neutral","sentiment_score":0.04722478613257408}],"sentiment":"neutral","sentiment_score":0.04722478613257408,"channel":1,"num_words":1,"start":27.72,"end":28.22},{"sentences":[{"text":"know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":27.795,"end":32.05,"sentiment":"neutral","sentiment_score":0.026287202164530753},{"text":"Perfect.","start":33.47,"end":33.97,"sentiment":"positive","sentiment_score":0.3620132803916931},{"text":"And I do have a password on file for security.","start":34.11,"end":37.09,"sentiment":"neutral","sentiment_score":0.11220725476741791},{"text":"Do you know what that might be?","start":37.31,"end":38.93,"sentiment":"neutral","sentiment_score":0.04791770822235516}],"sentiment":"neutral","sentiment_score":0.06708538842697938,"channel":0,"num_words":33,"start":27.795,"end":38.93},{"sentences":[{"text":"Lighty, where it says","start":40.04,"end":41.16,"sentiment":"neutral","sentiment_score":0.02774289483204484}],"sentiment":"neutral","sentiment_score":0.02774289483204484,"channel":1,"num_words":4,"start":40.04,"end":41.16},{"sentences":[{"text":"Busy.","start":41.085003,"end":41.585003,"sentiment":"neutral","sentiment_score":0.07631497085094452}],"sentiment":"neutral","sentiment_score":0.07631497085094452,"channel":0,"num_words":1,"start":41.085003,"end":41.585003},{"sentences":[{"text":"dog.","start":41.16,"end":41.66,"sentiment":"neutral","sentiment_score":0.06237015128135681}],"sentiment":"neutral","sentiment_score":0.06237015128135681,"channel":1,"num_words":1,"start":41.16,"end":41.66},{"sentences":[{"text":"Yeah.","start":42.125,"end":42.525,"sentiment":"neutral","sentiment_score":0.06157542020082474},{"text":"That's it.","start":42.525,"end":43.425003,"sentiment":"neutral","sentiment_score":0.07799505442380905},{"text":"And how's your morning been?","start":43.565002,"end":45.085003,"sentiment":"neutral","sentiment_score":0.05245097205042839},{"text":"Been busy?","start":45.085003,"end":45.825,"sentiment":"neutral","sentiment_score":-0.0023748716339468973}],"sentiment":"neutral","sentiment_score":0.0475070646032691,"channel":0,"num_words":10,"start":42.125,"end":45.825},{"sentences":[{"text":"Yeah.","start":46.555,"end":46.795002,"sentiment":"neutral","sentiment_score":0.006278255954384804},{"text":"Just the usual getting a","start":46.795002,"end":48.575,"sentiment":"neutral","sentiment_score":-0.029074693471193312}],"sentiment":"neutral","sentiment_score":-0.023182535233596962,"channel":1,"num_words":6,"start":46.555,"end":48.575},{"sentences":[{"text":"Yeah.","start":48.125,"end":48.625,"sentiment":"neutral","sentiment_score":-0.029403265565633777}],"sentiment":"neutral","sentiment_score":-0.029403265565633777,"channel":0,"num_words":1,"start":48.125,"end":48.625},{"sentences":[{"text":"16 year old to school that doesn't wanna be at school.","start":48.635002,"end":51.755,"sentiment":"neutral","sentiment_score":-0.051225910132581536},{"text":"It's always fun.","start":51.755,"end":52.735,"sentiment":"neutral","sentiment_score":0.19903872410456339}],"sentiment":"neutral","sentiment_score":0.002402225775378091,"channel":1,"num_words":14,"start":48.635002,"end":52.735},{"sentences":[{"text":"I can imagine.","start":53.399998,"end":54.379997,"sentiment":"neutral","sentiment_score":0.02664387474457423},{"text":"Well, I will try not to keep you for too long this morning.","start":55.48,"end":58.379997,"sentiment":"neutral","sentiment_score":-0.020021190436986778},{"text":"But before I do kind of jump in through the annual review, I do like to start by asking if there is anything specific you would like me to focus on today or if you have any particular questions or just a bit of a catch up and see what's happened in the last twelve months.","start":59.32,"end":72.935,"sentiment":"neutral","sentiment_score":0.026132035135690655}],"sentiment":"neutral","sentiment_score":0.017820140502105158,"channel":0,"num_words":72,"start":53.399998,"end":72.935},{"sentences":[{"text":"Pretty much as a catch up and and what happened just where my, yeah, where my my balance is at at the moment and","start":73.195,"end":79.435005,"sentiment":"neutral","sentiment_score":-0.02271058534582456}],"sentiment":"neutral","sentiment_score":-0.02271058534582456,"channel":1,"num_words":24,"start":73.195,"end":79.435005},{"sentences":[{"text":"Yep.","start":79.729996,"end":80.229996,"sentiment":"neutral","sentiment_score":0.01574130728840828}],"sentiment":"neutral","sentiment_score":0.01574130728840828,"channel":0,"num_words":1,"start":79.729996,"end":80.229996},{"sentences":[{"text":"yeah.","start":82.37,"end":82.87,"sentiment":"neutral","sentiment_score":0.04559720307588577}],"sentiment":"neutral","sentiment_score":0.04559720307588577,"channel":1,"num_words":1,"start":82.37,"end":82.87},{"sentences":[{"text":"Yes.","start":83.17,"end":83.67,"sentiment":"neutral","sentiment_score":0.15426304936408997},{"text":"Sounds 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everything.","start":1590.52,"end":1594.7001,"sentiment":"neutral","sentiment_score":0.19517440348863602},{"text":"So do you have","start":1594.8401,"end":1595.56,"sentiment":"neutral","sentiment_score":0.04580045770853758}],"sentiment":"neutral","sentiment_score":0.20738403043813175,"channel":0,"num_words":27,"start":1587.48,"end":1595.56},{"sentences":[{"text":"Yes.","start":1595.3301,"end":1595.8301,"sentiment":"neutral","sentiment_score":0.06138729304075241}],"sentiment":"neutral","sentiment_score":0.06138729304075241,"channel":1,"num_words":1,"start":1595.3301,"end":1595.8301},{"sentences":[{"text":"access to your emails at the moment, Lauren?","start":1595.56,"end":1597.98,"sentiment":"neutral","sentiment_score":0.09147381223738194}],"sentiment":"neutral","sentiment_score":0.09147381223738194,"channel":0,"num_words":8,"start":1595.56,"end":1597.98},{"sentences":[{"text":"I 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different to what you were used to because we have changed our software.","start":1611.5751,"end":1615.65,"sentiment":"neutral","sentiment_score":-0.1473767454425494}],"sentiment":"neutral","sentiment_score":-0.1473767454425494,"channel":0,"num_words":15,"start":1611.5751,"end":1615.65},{"sentences":[{"text":"Okay.","start":1616.765,"end":1617.0851,"sentiment":"neutral","sentiment_score":-0.00981516856700182},{"text":"Yep.","start":1617.0851,"end":1617.5851,"sentiment":"neutral","sentiment_score":-0.0011022090911865234},{"text":"Am I going to start going to hang on.","start":1617.9401,"end":1619.9401,"sentiment":"neutral","sentiment_score":-0.03542695380747318},{"text":"I've got the 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to, yeah, do the will, and","start":2381.56,"end":2386.22,"sentiment":"neutral","sentiment_score":0.14184504449367524}],"sentiment":"neutral","sentiment_score":0.14184504449367524,"channel":1,"num_words":15,"start":2381.56,"end":2386.22},{"sentences":[{"text":"Yes.","start":2386.2202,"end":2386.7202,"sentiment":"neutral","sentiment_score":0.16705888509750366},{"text":"And","start":2386.86,"end":2387.02,"sentiment":"neutral","sentiment_score":0.1401887834072113}],"sentiment":"neutral","sentiment_score":0.15362383425235748,"channel":0,"num_words":2,"start":2386.2202,"end":2387.02},{"sentences":[{"text":"I'll","start":2386.9749,"end":2387.4749,"sentiment":"neutral","sentiment_score":0.16837827861309052}],"sentiment":"neutral","sentiment_score":0.16837827861309052,"channel":1,"num_words":1,"start":2386.9749,"end":2387.4749},{"sentences":[{"text":"let me know how you go with the bank and stuff like that.","start":2387.02,"end":2390.24,"sentiment":"neutral","sentiment_score":0.1681809425354004}],"sentiment":"neutral","sentiment_score":0.1681809425354004,"channel":0,"num_words":13,"start":2387.02,"end":2390.24},{"sentences":[{"text":"yeah.","start":2389.775,"end":2390.095,"sentiment":"neutral","sentiment_score":0.058895401656627655},{"text":"For sure.","start":2390.095,"end":2390.915,"sentiment":"neutral","sentiment_score":0.05831596814095974}],"sentiment":"neutral","sentiment_score":0.05850911264618238,"channel":1,"num_words":3,"start":2389.775,"end":2390.915},{"sentences":[{"text":"Of","start":2390.415,"end":2390.915,"sentiment":"neutral","sentiment_score":0.03898188844323158}],"sentiment":"neutral","sentiment_score":0.03898188844323158,"channel":0,"num_words":1,"start":2390.415,"end":2390.915},{"sentences":[{"text":"I'll actually I'll hopefully if I can try and do that before I speak to you on Tuesday.","start":2390.9749,"end":2398.675,"sentiment":"neutral","sentiment_score":0.11228342271513408}],"sentiment":"neutral","sentiment_score":0.11228342271513408,"channel":1,"num_words":18,"start":2390.9749,"end":2398.675},{"sentences":[{"text":"course.","start":2399.055,"end":2399.295,"sentiment":"neutral","sentiment_score":0.08105700463056564},{"text":"Yeah.","start":2399.295,"end":2399.7751,"sentiment":"neutral","sentiment_score":0.2790428400039673},{"text":"Perfect.","start":2399.7751,"end":2400.2751,"sentiment":"positive","sentiment_score":0.6261966824531555},{"text":"And let me know if you do want,","start":2400.335,"end":2402.195,"sentiment":"neutral","sentiment_score":0.2841199319809675}],"sentiment":"neutral","sentiment_score":0.2962959984486753,"channel":0,"num_words":11,"start":2399.055,"end":2402.195},{"sentences":[{"text":"Yeah.","start":2402.35,"end":2402.85,"sentiment":"neutral","sentiment_score":0.13135167956352234}],"sentiment":"neutral","sentiment_score":0.13135167956352234,"channel":1,"num_words":1,"start":2402.35,"end":2402.85},{"sentences":[{"text":"like, I'll yeah.","start":2403.055,"end":2403.935,"sentiment":"neutral","sentiment_score":0.20444904267787933},{"text":"Exactly to give you a call as well.","start":2403.935,"end":2406.39,"sentiment":"neutral","sentiment_score":0.33076785132288933},{"text":"So, yeah, let me know how you go with everything, and I'll let you go and enjoy the rest of your afternoon.","start":2407.8298,"end":2412.47,"sentiment":"positive","sentiment_score":0.5833654823628339},{"text":"But if there's anything that you need or any other questions between now and Tuesday next week, you can always just give me a call or send me an email as well.","start":2412.47,"end":2419.545,"sentiment":"neutral","sentiment_score":0.20307754492387176}],"sentiment":"positive","sentiment_score":0.3475694152025076,"channel":0,"num_words":65,"start":2403.055,"end":2419.545},{"sentences":[{"text":"No worries.","start":2420.015,"end":2420.6548,"sentiment":"positive","sentiment_score":0.4680636376142502},{"text":"Thanks very much, Veronica.","start":2420.6548,"end":2421.795,"sentiment":"positive","sentiment_score":0.8169324398040771}],"sentiment":"positive","sentiment_score":0.7006428390741348,"channel":1,"num_words":6,"start":2420.015,"end":2421.795},{"sentences":[{"text":"No problem at all.","start":2422.105,"end":2422.905,"sentiment":"positive","sentiment_score":0.8081838339567184},{"text":"It was lovely speaking with you, and I look forward to speaking with you next Tuesday.","start":2422.905,"end":2426.2048,"sentiment":"positive","sentiment_score":0.8837342858314514}],"sentiment":"positive","sentiment_score":0.8686241954565048,"channel":0,"num_words":20,"start":2422.105,"end":2426.2048},{"sentences":[{"text":"Cheers.","start":2426.815,"end":2427.2148,"sentiment":"positive","sentiment_score":0.7559016942977905},{"text":"Thank you.","start":2427.2148,"end":2427.6948,"sentiment":"positive","sentiment_score":0.766299694776535},{"text":"Bye","start":2427.6948,"end":2427.9348,"sentiment":"positive","sentiment_score":0.4429190158843994}],"sentiment":"positive","sentiment_score":0.682855024933815,"channel":1,"num_words":4,"start":2426.815,"end":2427.9348},{"sentences":[{"text":"Thanks.","start":2427.785,"end":2428.285,"sentiment":"positive","sentiment_score":0.678636908531189}],"sentiment":"positive","sentiment_score":0.678636908531189,"channel":0,"num_words":1,"start":2427.785,"end":2428.285},{"sentences":[{"text":"bye.","start":2427.9348,"end":2428.227,"sentiment":"positive","sentiment_score":0.36610323190689087}],"sentiment":"positive","sentiment_score":0.36610323190689087,"channel":1,"num_words":1,"start":2427.9348,"end":2428.227},{"sentences":[{"text":"Bye.","start":2428.4248,"end":2428.9248,"sentiment":"neutral","sentiment_score":-0.09890573471784592}],"sentiment":"neutral","sentiment_score":-0.09890573471784592,"channel":0,"num_words":1,"start":2428.4248,"end":2428.9248}]},"summary":{"result":"success","short":"The representative from Financial discusses the annual review with the customer and explains that it is not related to benefits or changes to their retirement plans. They also discuss pay increases and retirement plans, including payroll and retirement plans. The speaker provides information on the customer's health and lifestyle, savings, property, and investment portfolios. They emphasize the importance of behavior and risk profiles in regards to the situation and offer to pass on contact details to lenders. The agent provides information on investment portfolios and suggests swapping out certain investments for the customer. They schedule a follow-up appointment for Tuesday and provide information on a compliance form and tax file number form. The customer is given a date and time to sign the service agreement and reminded to call or email if needed."},"intents":{"segments":[{"text":"Now just before I do go any further, I just need to let you Yep. know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect.","start_word":70,"end_word":100,"intents":[{"intent":"Acknowledge call recording","confidence_score":0.00033962727}]},{"text":"And I do have a password on file for security. Do you know what that might be?","start_word":101,"end_word":117,"intents":[{"intent":"Inform about security","confidence_score":0.014964403}]},{"text":"Pretty much as a catch up and and what happened just where my, yeah, where my my balance is at at the moment and Yep. yeah.","start_word":227,"end_word":252,"intents":[{"intent":"Check balance","confidence_score":0.036443386}]},{"text":"Now personal information, I have you down here as single with one financial dependent. That's correct? Perfect.","start_word":327,"end_word":343,"intents":[{"intent":"Discuss personal information","confidence_score":0.036590323}]},{"text":"If it is that you wanna put it in, like, let's say, from your bank account, so after tax you wanna put it in and if you would like to change it to pretax, just let us know because we can do all of that for you. Mhmm.","start_word":1319,"end_word":1366,"intents":[{"intent":"Change tax plan","confidence_score":0.032707166},{"intent":"Provide tax deduction","confidence_score":0.0003597548}]},{"text":"That'd be around about was that 17,000? 17. Perfect.","start_word":1666,"end_word":1674,"intents":[{"intent":"Schedule appointment","confidence_score":0.0003496024}]},{"text":"Now when it comes to estate planning, I have here that last time we spoke to you, you were kind of looking at getting your will sorted through work if you got some discounts Yes. potentially.","start_word":2126,"end_word":2161,"intents":[{"intent":"Plan estate","confidence_score":0.0010317516}]},{"text":"Potentially, look at some salary sacrificing and then maybe do some house renovation.","start_word":2322,"end_word":2334,"intents":[{"intent":"Discuss salary sacrifice and house renovation","confidence_score":0.032750033}]},{"text":"gonna I'm probably I'm thinking of taking or getting some advice and just seeing what it would be to get a a loan, like a Mhmm.","start_word":2415,"end_word":2440,"intents":[{"intent":"Discuss loan options","confidence_score":0.35956368}]},{"text":"And sometimes interest rate's a bit lower on on that yeah, than and I'm sort of I'm sort other of thinking things. it'd be it'd be a good way to get it get it done if I pay that out because I I salary I salary sacrifice. I do salary sacrificing, which is, I guess, a benefit of of my job, which is great. But Yeah.","start_word":2486,"end_word":2551,"intents":[{"intent":"Discuss interest rate option","confidence_score":0.00015555159},{"intent":"Discuss bank interest rate plan","confidence_score":0.000015990161}]},{"text":"They can compare rates across. And a lot of them obviously still factor in all the big banks as well. So they can Yes.","start_word":2968,"end_word":2991,"intents":[{"intent":"Compare rates","confidence_score":0.05433559}]},{"text":"pull rates across all the banks and then give you, like, a proposal of well, based on your situation, this bank offers this rate or this bank offers this rate. Okay.","start_word":2993,"end_word":3023,"intents":[{"intent":"Provide rate proposals","confidence_score":0.0044603907},{"intent":"Check rates","confidence_score":0.012048518}]},{"text":"Is that something you would be interested in, or do you do you have some friends I think that you'd try to go to? yeah.","start_word":3113,"end_word":3137,"intents":[{"intent":"Assess interest rate","confidence_score":0.027032169}]},{"text":"So definitely have a look at a couple of options because, Yes.","start_word":3282,"end_word":3293,"intents":[{"intent":"Explore options","confidence_score":0.10337066}]},{"text":"cheaper So rates, I was sort that will of thinking save it you.","start_word":3358,"end_word":3370,"intents":[{"intent":"Save money","confidence_score":0.49242616}]},{"text":"And, otherwise, when it comes to superannuation, I have here that, ideally, you would love to retire at 60 and draw a weekly income of about $1,000 per week from super. Is that Yep.","start_word":3539,"end_word":3572,"intents":[{"intent":"Discuss financial plans","confidence_score":0.015601145}]},{"text":"And when it comes to volatility, so if after six months of placing an investment, you found out that your portfolio has decreased in value by 20% How due much?","start_word":3793,"end_word":3822,"intents":[{"intent":"Analyze portfolio value and volatility","confidence_score":0.00078571786}]},{"text":"just And I completely understand that sometimes it is tricky because it's like, well, we are here to obviously help and guide you in the right direction and also factoring, you know, time frames and stuff like that.","start_word":4079,"end_word":4116,"intents":[{"intent":"Guide in direction","confidence_score":0.009146861}]},{"text":"just And I completely understand that sometimes it is tricky because it's like, well, we are here to obviously help and guide you in the right direction and also factoring, you know, time frames and stuff like that. So there's a lot more that goes through it. This is yep. kind of one component. And and like I said, it's more so just in regards to your behavior. Because I can Yes.","start_word":4079,"end_word":4150,"intents":[{"intent":"Help with behavior","confidence_score":0.026562212}]},{"text":"have clients who is, like, 20 who says, oh, yeah. I got, you know, forty years for retirement. But if super fluctuate a little bit, they are get super, super, super nervous about it, then I'm not gonna put you in a high risk even though you have time for it if you feel really uncomfortable. But then Yeah.","start_word":4150,"end_word":4208,"intents":[{"intent":"Explore financial goals","confidence_score":0.0000019408126},{"intent":"Understand risk taker role","confidence_score":0.0038058106}]},{"text":"If it's a great investment that you understand, then Yeah.","start_word":4297,"end_word":4306,"intents":[{"intent":"Understand investment","confidence_score":0.017446764},{"intent":"Understand investing","confidence_score":0.0019180683},{"intent":"Understand investment situation","confidence_score":0.00011426801}]},{"text":"If it's a great investment that you understand, then Yeah. perfect. If I it's mean, a bit in more it speculative, yeah. then.","start_word":4297,"end_word":4319,"intents":[{"intent":"Understand investment speculative","confidence_score":0.00007760873}]},{"text":"I definitely wouldn't be a high I wouldn't be like a a high risk taker. no. No. Yeah.","start_word":4399,"end_word":4416,"intents":[{"intent":"Discuss risk taker position","confidence_score":0.000078215715}]},{"text":"But the last question here is just in regards to borrowing money.","start_word":4442,"end_word":4453,"intents":[{"intent":"Discuss borrowing","confidence_score":0.002517929}]},{"text":"And, basically, overall, this tells me here that you have come out as a growth investor, which is the portfolio we currently have you invested, which is kind of in the middle where you are focusing on growing your superannuation as much as possible while you do have plenty of time until retirement. Yes.","start_word":4521,"end_word":4574,"intents":[{"intent":"Discuss portfolio status","confidence_score":0.0062355227},{"intent":"Discuss growth strategy","confidence_score":0.04473018}]},{"text":"obviously, the the closer you move to retirement and have less time, we then gradually typically start reducing that. So you are in a good time frame. Like, you're in a good kind of middle position, Yes. still Yep. growing. And time frame wise, we're looking at about minimum, we'd like to say six years on retirement, making sure you have enough time in the market.","start_word":4670,"end_word":4735,"intents":[{"intent":"Discuss retirement timeline","confidence_score":0.21054019},{"intent":"Discuss retirement timeline","confidence_score":0.10614605}]},{"text":"Now the last thing here is just to give you a bit of an update on your portfolio and everything. So do you have Yes.","start_word":4764,"end_word":4788,"intents":[{"intent":"Provide portfolio update","confidence_score":0.016291507}]},{"text":"access to your emails at the moment, Lauren? I do. Yeah.","start_word":4789,"end_word":4799,"intents":[{"intent":"Discuss account access","confidence_score":0.0040310826}]},{"text":"So I have just sent you an email with some documents to go through. If you could access that for me, that would be great. And it probably Sorry.","start_word":4802,"end_word":4830,"intents":[{"intent":"Access documents","confidence_score":0.92530173}]},{"text":"At the bottom of the email, can you see a couple of attachments?","start_word":4881,"end_word":4893,"intents":[{"intent":"See attachments","confidence_score":0.004718205}]},{"text":"Not much has changed in terms of important information. It's all in there for you.","start_word":4954,"end_word":4968,"intents":[{"intent":"Review compliance documents","confidence_score":0.011860533}]},{"text":"We've Mhmm. had a bit of a revamp to marketing. So when you do have a look at it, you'll see a couple of new photos and marketing, and we've also had a bit of an extension to the team.","start_word":4969,"end_word":5008,"intents":[{"intent":"Revision marketing and communications","confidence_score":0.000016685308}]},{"text":"So you have your super with hub 24, and you do have a $371,155 in them. Now you also have some insurances with Neos. So you have your life and total permanent disability insurance, Yep. and that is 330,750. Are you still comfortable and happy with that level of cover if something were to happen?","start_word":5085,"end_word":5139,"intents":[{"intent":"Describe assets and coverage","confidence_score":1.5840882e-8}]},{"text":"it it does break down all of your investments. So you can see all of your investments, how how they have performed, and what's happened in the last twelve months. Now on the second page, you should see where it says total portfolio. Now that one here tells us that in the last twelve months now, we have seen quite a bit of fluctuations in the market in the last twelve Yes. months.","start_word":5429,"end_word":5501,"intents":[{"intent":"Manage investments and portfolio","confidence_score":0.00078702375}]},{"text":"So when we do design your portfolio as well is you wanna make sure we focus on a lot of diversification.","start_word":5655,"end_word":5675,"intents":[{"intent":"Assess portfolio diversification","confidence_score":0.06311371}]},{"text":"And after doing quite a bit of research, we feel like there are better options out there that's going to put you in a better position. So if you are happy for me to do so, I would like to do a bit more research and put together a proposal of looking at swapping this one for you for a better alternative option. Are you happy for me to do that? Yeah.","start_word":5984,"end_word":6055,"intents":[{"intent":"Discuss options","confidence_score":0.0073148436}]},{"text":"So if you are happy for me to do so, I would like to do a bit more research and put together a proposal of looking at swapping this one for you for a better alternative option. Are you happy for me to do that? Yeah.","start_word":6010,"end_word":6055,"intents":[{"intent":"Swap fund","confidence_score":0.0028232883}]},{"text":"If you throw some dates and times at me, I'll Yeah. Okay. Perfect. So I could either do Thursday, the fourteenth, and I can do at 10AM. yeah.","start_word":6281,"end_word":6308,"intents":[{"intent":"Schedule appointment","confidence_score":0.49559763}]},{"text":"And then once you've added the signature, it should see say validate, I believe. It's just loading. You will get the the signed document by mail. Oh, yeah.","start_word":6646,"end_word":6673,"intents":[{"intent":"Validate signature","confidence_score":0.28474623}]},{"text":"Now there is so that you can click and download the documents if you ever wanna go and have a look at them. You don't have to. I always have a copy on file as well. So if at any point in time you want access to them, just let me know, and I can always get them emailed to you as well. Mhmm.","start_word":6697,"end_word":6760,"intents":[{"intent":"Access documents","confidence_score":0.54561174}]},{"text":"Otherwise, I do have you booked in next Tuesday to go through the little research on your super investment. But do you have any other questions or need anything else from me before I let you go? And enjoy the rest of your day, otherwise, Laura. Yep.","start_word":6761,"end_word":6807,"intents":[{"intent":"Review super investment","confidence_score":0.07359374}]},{"text":"So between but in the in the last financial year, I'm just trying to see where is it I just want a an actual figure of how Mhmm. much. From the balance.","start_word":6808,"end_word":6839,"intents":[{"intent":"Provide figure","confidence_score":0.0979019}]},{"text":"And I'm just in your account right now, and it's gone up a little bit more, which is great. Sorry.","start_word":6896,"end_word":6915,"intents":[{"intent":"Update account information","confidence_score":0.08357252}]}]},"sentiments":{"segments":[{"text":"Lauren speaking. Good morning. This I'm is Veronica from Financial. How are you?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.25507402420043945},{"text":"good. Thank you, Veronica. That's good. I had you booked in to go over your annual review. Is now still a good time for you?","start_word":13,"end_word":37,"sentiment":"positive","sentiment_score":0.4935506880283356},{"text":"Yes. Yes. It Yeah. is.","start_word":38,"end_word":42,"sentiment":"neutral","sentiment_score":0.13570617139339447},{"text":"Perfect.","start_word":43,"end_word":43,"sentiment":"positive","sentiment_score":0.3336218595504761},{"text":"And apologies I'm calling a couple of minutes late. Some IT problems, you know, in the morning, first thing on Tuesday. Fine. No dramas. Thank you. Now just before I do go any further, I just need to let you Yep. know that our calls are being recorded for quality and coaching purposes, if that's okay.","start_word":44,"end_word":99,"sentiment":"neutral","sentiment_score":-0.03413490578532219},{"text":"Perfect.","start_word":100,"end_word":100,"sentiment":"positive","sentiment_score":0.3620132803916931},{"text":"And I do have a password on file for security. Do you know what that might be? Lighty, where it says Busy. dog. Yeah. That's it. And how's your morning been? Been busy? Yeah. Just the usual getting a Yeah. 16 year old to school that doesn't wanna be at school. It's always fun. I can imagine. Well, I will try not to keep you for too long this morning. But before I do kind of jump in through the annual review, I do like to start by asking if there is anything specific you would like me to focus on today or if you have any particular questions or just a bit of a catch up and see what's happened in the last twelve months. Pretty much as a catch up and and what happened just where my, yeah, where my my balance is at at the moment and Yep. yeah. Yes. Sounds good. Yeah. Perfect. Now what I will do first is just to run through a bit of an updated fact find with you just to see if there's anything major that has changed in your life, if we need to make any changes to your advice. So just kind of bear with me as I go through this question. Now has your address changed at all, or No. you're still not perfect? Now personal information, I have you down here as single with one financial dependent. That's correct? Perfect. And I have Renee, your sister nominated as next of kin. That's Yep. also Right. still the case? Perfect. Yep. And her phone number hasn't changed. Still ends with 688. Yes. That's correct. Yeah.","start_word":101,"end_word":377,"sentiment":"neutral","sentiment_score":0.02728814888570713},{"text":"Perfect.","start_word":378,"end_word":378,"sentiment":"positive","sentiment_score":0.5339932441711426},{"text":"Now employment wise, has any of that changed or still working Right. at the no. Still Perfect. there twenty twenty six years later. You must like it, though. I yeah. It's I Yeah. mean, nursing's nursing at I mean, Yeah. it's yeah. It's something it's different every day. So my Yes. my role is managing. Yeah. Yeah. So it's not it doesn't get mundane. No. So Doesn't yeah. get boring. No. I'm still working back to twenty three hours part time. A week? Yes. Correct. Yep. Yep. Yep.","start_word":379,"end_word":466,"sentiment":"neutral","sentiment_score":0.02509271912276745},{"text":"Perfect.","start_word":467,"end_word":467,"sentiment":"positive","sentiment_score":0.3893013894557953},{"text":"I have income at about 95,000. Yeah. That'll be it's probably slightly more this year. Mhmm. We've had, yeah, we've had some success with pay rises and stuff like that through the unions Oh, and nice. stuff. And I'm just looking at my last payslip. Yep. Perfect. Sorry. The correct folder up for a start will help. My last payslip from due to be paid again today, but I did notice Mhmm. that it's all password protected. What do we got? So my year to date gross Mhmm. currently is '96. Oh, yeah. Okay. Yeah. Does it have a fortnightly, weekly, anything? Monthly? My well, my because I do shift work and depending on, yeah, whether you work weekends or not, my pay, it it can be different. I can yeah. Like, we've it's it's always different all the time, but I just noticed that, I mean, it's only I've still got pretty much a month and a half. So Yeah. it'll be more it'll be more than 95, maybe year to date growth is what I'm trying to say. Yeah. Not Perfect. not significantly more, but, yeah, like, it'll be probably more like a 100 and something. Yep. Okay.","start_word":468,"end_word":667,"sentiment":"neutral","sentiment_score":0.04037226736545563},{"text":"Perfect. Now that's good.","start_word":668,"end_word":671,"sentiment":"positive","sentiment_score":0.4771546721458435},{"text":"And they did anything change with the pay rise agreement, or is it still that 12% employee contribution interest super? Was there any additional benefit? Do you know? No. I I'm not putting anything in myself, but that was a question I was wondering. Like, should should I be would would I gain any like, what would be the benefits? And Mhmm. And so, yes, definitely.","start_word":672,"end_word":737,"sentiment":"neutral","sentiment_score":-0.048534881323575974},{"text":"It is a great way to boost your superannuation, but also reduce your taxable income a little bit yeah.","start_word":738,"end_word":756,"sentiment":"positive","sentiment_score":0.5044495463371277},{"text":"because contributions going into super is taxed concessionally at 15%. And, obviously, your marginal tax rate is is higher than that for you.","start_word":757,"end_word":779,"sentiment":"neutral","sentiment_score":0.2449981719255447},{"text":"Yes. So it is a great way to do it, and, also, obviously, everything compounds into superannuation.","start_word":780,"end_word":796,"sentiment":"positive","sentiment_score":0.6442466974258423},{"text":"The the downside of what you'll be mindful of is, well, it is locked in until you meet a condition of release. So often, let's say, ten sixty and retire. So it would have to be, obviously, that you're comfortable forgoing some of your pay and knowing that it will be locked in until at least 60. Yeah. That's Mhmm. what I That's I think that's what put me off in the past. So I don't know that I'll like, yeah, that I'll always yes. And that's alright.","start_word":797,"end_word":884,"sentiment":"neutral","sentiment_score":-0.16282835602760315},{"text":"Nice.","start_word":885,"end_word":885,"sentiment":"positive","sentiment_score":0.4405526518821716},{"text":"you yeah. Because usually the best way to do it as well is like, okay. Well, how much are you currently saving in, like, a week, a month, or fortnightly? Do you know? Yeah. That varies as well from yeah. Maybe yeah. Because, yeah, Yeah. what That's I right. discussed Yeah. was yeah. My card is it yeah. Maybe just doing a one lump sum, one prior to the Yes. end of The the financial end of the financial year day? with Yep. yeah. If I if We I could choose to as opposed to it being locked in. regularly. Yeah. So we we can do that as well. So if you don't wanna do it Yeah. weekly, some people do it as a as a lump sum. Often, you have, like, self employed people and stuff like that doing it, or you just don't know where your cash flow and everything's at. And before the end of the financial, if you have saved anything up, you can do it as a bit of a lump sum. If you do wanted to do it as a lump sum, just give me a call and let me know how much you were thinking of just so that I can run the numbers for you. Because there is as well, if you wanted to do it, like, pretax or similar function or salary sacrifice, there is a concessional cap of 30,000 each financial year. So Yeah. I wouldn't there if wouldn't be any it wouldn't be anything okay. anywhere Perfect. near that. Yeah. It'd be That's yeah. good It'd because be like, it'd be sort of at, you know, at the most maybe, like, $5 or something okay. like that. It won't be it won't Okay. be anything we're not we're not talking mega millions. Okay.","start_word":886,"end_word":1189,"sentiment":"neutral","sentiment_score":0.0452979744264954},{"text":"Perfect.","start_word":1190,"end_word":1190,"sentiment":"positive","sentiment_score":0.481562614440918},{"text":"Just because you never know. Sometimes people like, oh, yeah.","start_word":1191,"end_word":1200,"sentiment":"neutral","sentiment_score":0.2776777446269989},{"text":"Like, I've, you know, had a bonus or I've, you know, saved so much, and I wanna put heaps in and, like, that's great.","start_word":1201,"end_word":1224,"sentiment":"positive","sentiment_score":0.43634966015815735},{"text":"Just let me do the math. If it's a couple of grand because if if we just like, obviously, income has increased a little bit, so you will be a little bit more. But based on the 95,000, your employer will put in about 11,400 if they pay that standard 12%. Yeah. So you It's still sitting have at it's sitting at $1,111,282 that my employer has put into the sofa.","start_word":1225,"end_word":1295,"sentiment":"neutral","sentiment_score":0.033773165196180344},{"text":"Perfect.","start_word":1296,"end_word":1296,"sentiment":"positive","sentiment_score":0.5232676267623901},{"text":"So So pretty they're similar. yeah. They're Yeah. right. Oh, Yep.","start_word":1297,"end_word":1307,"sentiment":"neutral","sentiment_score":0.26237836480140686},{"text":"that's that's good. So you do have plenty of space.","start_word":1308,"end_word":1317,"sentiment":"positive","sentiment_score":0.5463011264801025},{"text":"If it is that you wanna put it in, like, let's say, from your bank account, so after tax you wanna put it in and if you would like to change it to pretax, just let us know because we can do all of that for you. Mhmm. Just I would say because with, Hub twenty four and everything like that, you don't wanna leave it too close to the end of the financial year because they get really busy. So even do it, like, a couple of weeks out. If you do a contribution, just let me know, and then I'll let the team know, and we can change it for you to Mhmm. give you that little tax back if if that's what you are wanting to do. So, yeah, just just keep it in mind and let me know if you decide to do it that way. Yep. Yep.","start_word":1318,"end_word":1469,"sentiment":"neutral","sentiment_score":0.1625058501958847},{"text":"Perfect.","start_word":1470,"end_word":1470,"sentiment":"positive","sentiment_score":0.4986100196838379},{"text":"Otherwise, when it comes to assets and liabilities, I have here your main property was last five at about 08:30. Is that still the case? Would you know if that got went up a little bit? It's probably gone up. Yeah. Yeah. Do you know roughly? I'd I'd probably say 900 Oh, thousand.","start_word":1471,"end_word":1523,"sentiment":"neutral","sentiment_score":0.026662129908800125},{"text":"perfect.","start_word":1524,"end_word":1524,"sentiment":"positive","sentiment_score":0.3356046974658966},{"text":"Yep. Yeah. Yep. And you don't have a mortgage attached to that one, No. do you? No. Nope. I don't. Beautiful. Do you also have their motor vehicle valued at about 45,000? Yeah. Actually, I think that's probably gone down as well as as it Mhmm. does. Yes. Unfortunately, I'll just put in my last it appreciates. yeah. R a c b. Give me Okay. Let me sorry. Do you have this one going to the what have we got? Sorry. The last I see the renewal headed at No. That's okay. Sorry. What did we agree the value as? Sorry. This is so much fine print No. That's here. okay. Agree value. Yeah. $37.03 50. 30 So yeah. It's gone down. $7.03. Thirty seven three 50. Yeah. Perfect. And do you have anything going on the motor vehicle? Yep. That'd be around about was that 17,000?","start_word":1525,"end_word":1671,"sentiment":"neutral","sentiment_score":-0.01013041842019274},{"text":"17. Perfect. That's nice. It was about 32 last time we spoke. So that's a nice chunk of, so good job.","start_word":1672,"end_word":1692,"sentiment":"positive","sentiment_score":0.6294659972190857},{"text":"Yeah. Yeah. I also have here savings at about 25. Yeah. That is yeah. Probably be yeah. Probably more like 20. I About had 20. to to shout Yep. out that. Yep. And I also have a personal loan about 7 and a half. No. That's down to 1 and a half. Oh, beautiful. Mhmm. And credit card about 5,000. Well, I've got that that's my limit, but I don't have anything on it at the moment. Okay. I'll just update Yes. that. It's just Yes. kinda, like, for points and stuff sometimes or Yeah. I emergency. I would just pay I pay every yeah. I pay everything with that for the month and then price in the month, I just pay pay off the Yeah. Okay. Perfect. yeah. No. Yeah. I'll just remove that then if you don't And have it's anything only owing on it. it says, Yep. yeah, it's only 4, yeah, 4 and a half, which is pretty much, yeah, per month. Yep. That's like a full week. Yeah. Yeah. Perfect. Now health and lifestyle, why so have you down here as a nonsmoker? Is that still the case? Correct. Yep. Perfect. And have you had any changes to your health at all in the last twelve months? Mhmm. I was taking methotrexate for rheumatoid arthritis, but I'm Yeah. no longer taking that anymore. Oh, that's good. Has it gotten better Yeah. for you? Beg your pardon? Has that arthritis kind of Yeah. Yeah. The symptoms, yeah, suicide, and so in consultation with my specialist, ceased taking that medication yeah. about five, six months ago, and I've got a review coming up. So touch wood, I haven't had to to go back on that, which is good because I when I went through and got, like, the insurance and stuff with you guys, the Yes. house I had to be, like, getting to write a letter and, like, Yes. saying that there's an impact to my work and it's like, I'm not on Yes. that anymore with this book. Yeah.","start_word":1693,"end_word":2036,"sentiment":"neutral","sentiment_score":0.020628720153729584},{"text":"Oh, that's beautiful. That's Yeah. great.","start_word":2037,"end_word":2042,"sentiment":"positive","sentiment_score":0.47971680760383606},{"text":"And Yeah. when did you I've stop clicking that? stopped taking that in that was it this before Christmas. It would've been at the November '20 Oh, beautiful. five. Yeah.","start_word":2043,"end_word":2072,"sentiment":"neutral","sentiment_score":0.031791798770427704},{"text":"Oh, that's great news.","start_word":2073,"end_word":2076,"sentiment":"positive","sentiment_score":0.4407270252704621},{"text":"Yeah. So it's coming up six months. Yeah. Yeah. And you're still feeling like, okay. Obviously, in stopping Yeah. it? Yeah. Yeah. All Oh, good. great. Any other changes to your health otherwise? Nope. Nope. Perfect. Nope. And do you have private health insurance? I do. Yes. Yes. Perfect. Now when it comes to estate planning, I have here that last time we spoke to you, you were kind of looking at getting your will sorted through work if you got some discounts Yes. potentially. I I that that's still a work in progress. I've Mhmm. I've been at least back on my behalf, but it is definitely on my list. So No. That's okay. And do you have anyone who makes any financial decisions on your behalf or No. I earn an don't. income overseas at all? No. No. Perfect. And are you politically exposed at all, directly involved in politics? No. Perfect. And when it comes to beneficiaries, so in the event that something were to happen to you, I have your your son, Kai, nominated. Yep. Yep. Yep. That's That's still correct. correct. That's Perfect. correct. And the other thing is just kind of, I guess, goals. So stuff that you're working towards and that you are wanting to achieve. Now last time we spoke to you, your main focus was to kind of pay down the personal loan, which you've Yep.","start_word":2077,"end_word":2311,"sentiment":"neutral","sentiment_score":0.04696495831012726},{"text":"done very We well should've in. done that.","start_word":2312,"end_word":2319,"sentiment":"positive","sentiment_score":0.470584511756897},{"text":"Yep. Yes. Potentially, look at some salary sacrificing and then maybe do some house renovation. Are you still wanting to do a bit of house renovation, or did you end Yeah. up That's doing that is still, yeah, that's still a plan. I've I've Yep. done some, hence why, yeah, my savings has dropped a little bit. I've used Yep. that directly, but I'm yeah. I've it is still a plan to get some yeah. Do some some reno. There's So, some renovation? Yeah. yeah, Beautiful. And is there I'll probably take I'm probably Yes. gonna I'm probably I'm thinking of taking or getting some advice and just seeing what it would be to get a a loan, like a Mhmm. sort of a loan to do that because I've still, yeah, I've still got, like, that seventeen, eighteen on the car. I'm also thinking if I maybe Yeah. get a against the house because I've so I I own, like, I own that. And, Yes. And sometimes interest rate's a bit lower on on that yeah, than and I'm sort of I'm sort other of thinking things. it'd be it'd be a good way to get it get it done if I pay that out because I I salary I salary sacrifice. I do salary sacrificing, which is, I guess, a benefit of of my job, which is great. But Yeah. that's I do use $3.39. I I get I pretty much get 440 a fortnight, like, pretax, whether they could get taken out for tax. And I used that $4.50 to pay off a fortnight to pay off my car. Oh, So nice. if I'm Yep. so what I'm thinking is if I had a if I went and spoke to my U bank Yep. about, yeah, getting something that pays off and then, you know, if I'm use if I'm putting that money towards you know, if I can yeah. If I'm I'm thinking I'll probably be able to get, like, say, 30 or $40, which would be enough for me to do what I wanna do, pay Yeah. off the car, and then just, like, literally use that money plus, you know, another couple 100.","start_word":2320,"end_word":2688,"sentiment":"neutral","sentiment_score":0.09440306374212593},{"text":"I'd be able to sort of smash it out pretty quick, I think.","start_word":2689,"end_word":2701,"sentiment":"positive","sentiment_score":0.5384002327919006},{"text":"Yeah. And, usually, that is what we see as well from obviously, it depends on what the interest rate and stuff like that are.","start_word":2702,"end_word":2725,"sentiment":"neutral","sentiment_score":0.2817269563674927},{"text":"But, usually, your your mortgage would be lower than, like, a car. So it's definitely a really good idea to be looking at.","start_word":2726,"end_word":2748,"sentiment":"positive","sentiment_score":0.4798548221588135},{"text":"Yeah. Yeah. Now I know you mentioned your bank. Do you have a mortgage broker or a lender or anything otherwise that looks up more options for you, or are you very happy with your bank? I I've only ever sort of Mhmm. gone yeah. I've I've only ever dealt with the same what we used to be, yeah, bank members of the credit union that was member of Australia now to Bank Australia. I've only ever dealt with them before, Yep. Yep. yeah, with everything I've done. So I don't really I've never used Like a lender a broker or anything? or anything. Yeah. Yeah. I mean, I've yeah. I've heard I've got friends and stuff that I know if they use you know, like, I feel really good blah blah blah. But, yeah, I've I've sort of never really I know. Going Like, down. Yeah. I've never yeah. Yep. And and a lot of people are the same as well where it's like you've got two banks because you you trust them and you've been dealing with them. And sometimes, like, it it's easier that way. It's usually not a bad idea to look at a lender of broker as well because they have usually, they have so many different options. So they can look at it. They can compare rates across. And a lot of them obviously still factor in all the big banks as well. So they can Yes. pull rates across all the banks and then give you, like, a proposal of well, based on your situation, this bank offers this rate or this bank offers this rate. Okay. And Yes. true. So I would and it doesn't cost anything to get a a review. So if you want, it's up to you. If you have some friends that have a really good broker, it's always good to assess. But if not, we work very closely with a couple as well. So if you want me to, I can always pass on your contact details to them and get them to give you a call to see what rates and stuff they would be able to get for you. Is that something you would be interested in, or do you do you have some friends I think that you'd try to go to? yeah. I I think what I'll do is I'll I'll go and see, like, to get I've I've find it better Mhmm. for me to if I have, like, a face to face Yes. instead of doubt. Like, I know that I know that that the team down there. So I might go and just Yes. speak to them and just see what they've got to say and then look at the rates and then Yes. sort of get get it in my head what I'd Yeah. be looking at. And and then I Then think if compare. I spoke to a broker, I have more of an understanding. Yes. And that's Yeah.","start_word":2749,"end_word":3249,"sentiment":"neutral","sentiment_score":0.12730921091076858},{"text":"a good idea as well.","start_word":3250,"end_word":3254,"sentiment":"positive","sentiment_score":0.39981400966644287},{"text":"Yeah. And definitely shop around because sometimes you can get pretty good rates. But sometimes, yeah, if if your bank, they they might be good as well. So definitely have a look at a couple of options because, Yes. yeah, you can usually get pretty good ones, but that's good.","start_word":3255,"end_word":3304,"sentiment":"neutral","sentiment_score":0.202435702085495},{"text":"That's a good idea to to have a look at, especially if you're wanting to do some renovations and with the car loan and even with the personal loan potentially.","start_word":3305,"end_word":3334,"sentiment":"positive","sentiment_score":0.3413999378681183},{"text":"Like, I know it's almost done, but sometimes reducing everything and just have it into the one, if Yeah. you can get Right. cheaper So rates, I was sort that will of thinking save it you. might just be easier. I'll I'd just pay out the yeah. I'd just pay out the personal Yeah. loan because that's that's nothing. And then, yeah, Yeah. just the car, which has literally got another would be sick or I think I did I did over seven years from December, so it'll be a year. What are we now? The five. Yes. So there'd be another eighteen months Yeah. on the car too. Yeah. So Yeah.","start_word":3335,"end_word":3446,"sentiment":"neutral","sentiment_score":0.04439984204613471},{"text":"And that's a good idea. So, yeah, good that to have a look at that. Let me know how you go.","start_word":3447,"end_word":3467,"sentiment":"positive","sentiment_score":0.5612537860870361},{"text":"If you do need any suggestions or if you are stuck on what to do, just give me a call yeah. with For them in sure. email, No. and we can always have a look at that for you.","start_word":3468,"end_word":3506,"sentiment":"neutral","sentiment_score":0.16724702715873718},{"text":"But that's that's a great idea.","start_word":3507,"end_word":3512,"sentiment":"positive","sentiment_score":0.628257691860199},{"text":"Anything else or that's if Yep. if you're seeing No. things That to work on? no. That's pretty much it. Yeah. Just Yeah. yeah. Yep. Perfect. And, otherwise, when it comes to superannuation, I have here that, ideally, you would love to retire at 60 and draw a weekly income of about $1,000 per week from super. Is that Yep. still the That's case? what I'm that would be what I'm aiming towards. Yeah. For sure. Yep.","start_word":3513,"end_word":3589,"sentiment":"neutral","sentiment_score":0.08452403545379639},{"text":"Perfect.","start_word":3590,"end_word":3590,"sentiment":"positive","sentiment_score":0.34194332361221313},{"text":"And I guess in terms of superannuation goals, otherwise, I have here that your your focus is to make sure everything is set up correctly, that it is moving in the right direction, Mhmm. and, yeah, just making sure you are kind of growing it as much as you can. Yeah. Yeah. That's still all kind of the the same? Pretty much. Yeah. Perfect. Now the next thing I quickly run over here with you, it's just a bit of an updated risk profile questionnaire. Just multiple choice to make it nice and easy, and that is just to see if we need to make any changes to your risk profile. If it doesn't make sense, Mhmm. just let me know. Now have you ever bought direct shares on the stock market yourself? No. Nope.","start_word":3591,"end_word":3725,"sentiment":"neutral","sentiment_score":0.12140792122593631},{"text":"Perfect.","start_word":3726,"end_word":3726,"sentiment":"positive","sentiment_score":0.5252262353897095},{"text":"Next is in regards to how much risk you are willing to take for your superannuation. Obviously, being a bit long term, would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation? I probably go in the middle. Middle? Sorry. About Yeah. moderate Yeah. or high? Moderate. No. Moderate. Moderate. Yep. Yeah.","start_word":3727,"end_word":3791,"sentiment":"neutral","sentiment_score":0.00857000332325697},{"text":"Perfect.","start_word":3792,"end_word":3792,"sentiment":"positive","sentiment_score":0.4437481760978699},{"text":"And when it comes to volatility, so if after six months of placing an investment, you found out that your portfolio has decreased in value by 20% How due much? to How much percent? Sorry. 20 to zero Twenty. Yep. Yep. Yep. due to general trends in the market. So not like one particular investment that's gone bad, just kind of the market as a whole. Would you say that you if you had the option to do so, would think that now is a good time to put a little bit more in while the prices are down? Would you just kind of hold and wait to see what happens first, or would you want to sell out and move through a bit more of a secure asset? So that means you're other than selling when the prices have Yes. I really I found these these questions really difficult because that's why I've got, like, you guys do it because Yes. I don't know. Like, I don't I don't know. Like, I don't know what Yeah. my what I do. Like, obviously, like, that's why my answer is I'd be guarded by what What we what say. you guys Yeah. and what And you it guys it are is saying. So it is tricky because this just gives me it gives us an understanding of how your behavior would react in a situation. Yeah. Yeah. I mean, Obviously, obviously, we factor I'm in I I probably would on Yeah. the side of caution. Like, I don't think Yep. I'd withdraw it and, like, panic, but Just then I don't hold. think I'd sell it. Yeah. I just Yeah. we just hold. Yeah. And Yeah. just And I completely understand that sometimes it is tricky because it's like, well, we are here to obviously help and guide you in the right direction and also factoring, you know, time frames and stuff like that. So there's a lot more that goes through it. This is yep. kind of one component. And and like I said, it's more so just in regards to your behavior. Because I can Yes. have clients who is, like, 20 who says, oh, yeah. I got, you know, forty years for retirement. But if super fluctuate a little bit, they are get super, super, super nervous about it, then I'm not gonna put you in a high risk even though you have time for it if you feel really uncomfortable. But then Yeah. on the flip Yeah. side, I could have a six year old who is planning on retiring in five years to go, no. I'm completely comfortable with Yeah.","start_word":3793,"end_word":4236,"sentiment":"neutral","sentiment_score":-0.09246294142527356},{"text":"Absolutely. that. Yep. Chuck it all in So and do the best.","start_word":4237,"end_word":4248,"sentiment":"positive","sentiment_score":0.3996746838092804},{"text":"yeah. Yeah. So Yeah. so Yeah. there is obviously typical trends we see with, obviously, where you are, but behavior is one aspect. So Yeah. that's why Yeah. these these questions, I know it is tricky, and often it's also, well, it's like, well, what type of investment? If it's a great investment that you understand, then Yeah. perfect. If I it's mean, a bit in more it speculative, yeah. then. Yeah. Like, I don't know. Like, I I think the fact that I even, like, went away from, like, in that like, I went away from Hester in the first place Yes. to to go like, I think that's sort of like, I'm, yeah, I'm open to yeah. Yeah. A I little don't bit of both. know. Yeah. A bit No. of both. And Yeah. that and that makes sense. Yeah. But And I mean, the I can yeah. I definitely wouldn't be a high I wouldn't be like a a high risk taker. no. No. Yeah. Yeah. And we we have you kind of in a good middle range at the moment, so I'll kind of go through that as well. But the last question here is just in regards to borrowing money. So would you ever consider taking out a loan to buy an investment property or just kind of against your own property? Well, I actually have done that in the past when I before when Mhmm. I was married. Yep. We did do that, and it was great with when we had two incomes, but I don't think that I would do it now. No. Okay.","start_word":4249,"end_word":4519,"sentiment":"neutral","sentiment_score":0.03492818975037589},{"text":"Perfect.","start_word":4520,"end_word":4520,"sentiment":"positive","sentiment_score":0.4135864973068238},{"text":"And, basically, overall, this tells me here that you have come out as a growth investor, which is the portfolio we currently have you invested, which is kind of in the middle where you are focusing on growing your superannuation as much as possible while you do have plenty of time until retirement. Yes. You know, there will be some level of fluctuations in order to try to grow that for you. But you Yes. also want, you know, a little bit of that defensive as well to limit fluctuation. Yes. So on this scale, just so you know as well, we have your aggressive plus, which is your kind of super risky where you're borrowing money against things, and then you have aggressive, high growth growth, which is where you are at the moment. And then we have your balance growth and balance. And we often see, Yes. obviously, the the closer you move to retirement and have less time, we then gradually typically start reducing that. So you are in a good time frame. Like, you're in a good kind of middle position, Yes. still Yep. growing. And time frame wise, we're looking at about minimum, we'd like to say six years on retirement, making sure you have enough time in the market. So from from all of that, it is a suitable portfolio as long as you're still comfortable to remain Yes. as a growth investor. Yes. Yep.","start_word":4521,"end_word":4761,"sentiment":"neutral","sentiment_score":0.14512044191360474},{"text":"Great. Perfect.","start_word":4762,"end_word":4763,"sentiment":"positive","sentiment_score":0.6180612444877625},{"text":"Now the last thing here is just to give you a bit of an update on your portfolio and everything. So do you have Yes. access to your emails at the moment, Lauren? I do. Yeah.","start_word":4764,"end_word":4799,"sentiment":"neutral","sentiment_score":0.14571644365787506},{"text":"Perfect.","start_word":4800,"end_word":4800,"sentiment":"positive","sentiment_score":0.3952494263648987},{"text":"So I have just sent you an email with some documents to go through.","start_word":4801,"end_word":4814,"sentiment":"neutral","sentiment_score":0.28923001885414124},{"text":"If you could access that for me, that would be great.","start_word":4815,"end_word":4825,"sentiment":"positive","sentiment_score":0.49127936363220215},{"text":"And it probably Sorry. looks I'm recording. a bit different to what you were used to because we have changed our software. Okay. Yep. Am I going to start going to hang on. I've got the powers. So So yeah. So there yep. should say a link, sign documents before you click on that. Yep. At the bottom of the email, can you see a couple of attachments? Yes. Yes. Okay.","start_word":4826,"end_word":4896,"sentiment":"neutral","sentiment_score":-0.017574243247509003},{"text":"Perfect.","start_word":4897,"end_word":4897,"sentiment":"positive","sentiment_score":0.3420267701148987},{"text":"So what you should be able to see first is one where it says OQ services guide Yep. and then an OQ financial services guide. I will Yep. let you had a read over these in your own time. You would have seen this one before. Every time is Yes. one of those Yeah. compliance documents. Not much has changed in terms of important information. It's all in there for you. We've Mhmm. had a bit of a revamp to marketing. So when you do have a look at it, you'll see a couple of new photos and marketing, and we've also had a bit of an extension to the team. So when you have a moment, you wanna have a look through them, that's all in there. And if you do have a look at it, you will also see my face there if you do wanna put a, you know, a face to the voice. No worries.","start_word":4898,"end_word":5056,"sentiment":"neutral","sentiment_score":0.09901922941207886},{"text":"Perfect.","start_word":5057,"end_word":5057,"sentiment":"positive","sentiment_score":0.33356666564941406},{"text":"Now do you also have one where it says super and insurance summary? Yes. I do. Yeah.","start_word":5058,"end_word":5074,"sentiment":"neutral","sentiment_score":0.10853471606969832},{"text":"Perfect.","start_word":5075,"end_word":5075,"sentiment":"positive","sentiment_score":0.3448522090911865},{"text":"If you could open that one for me. Mhmm. So you have your super with hub 24, and you do have a $371,155 in them. Now you also have some insurances with Neos. So you have your life and total permanent disability insurance, Yep. and that is 330,750. Are you still comfortable and happy with that level of cover if something were to happen? Mhmm. Yeah. That well, that's, Yeah. yeah, that's fine. Yep. Yeah. I don't yep. And, obviously, because you don't really have any debts or whatever little you have left will be easily paid off with this. Plus, obviously, that covers, you know, if anything ever were to happen in your car park, it will then obviously give you a bit of income replacement if something were to happen, Yes. and then plus the the super balance as well. Or if something were to happen to you, that will then go to your fund as well. Mhmm. So you also have your income protection. Now the income protection will pay a monthly amount of 5,878 with a thirty day waiting period and a five year benefit period. All of those are paid from superannuation. You do get a tax rebate. So after that, it's about 3,310 for all those three.","start_word":5076,"end_word":5288,"sentiment":"neutral","sentiment_score":0.1831845372495517},{"text":"You still happy Yep. with the income protection as well?","start_word":5289,"end_word":5298,"sentiment":"positive","sentiment_score":0.4030044376850128},{"text":"Yeah. That's fine. Yep. Yep.","start_word":5299,"end_word":5303,"sentiment":"neutral","sentiment_score":0.2674061357975006},{"text":"Perfect.","start_word":5304,"end_word":5304,"sentiment":"positive","sentiment_score":0.5478343963623047},{"text":"Now if you can then open the next one, which should see actually, do you have a NEO certificate of currency next? Hang on two seconds. I'll just jump back to that one. Yes. Yep. Yeah. I'm getting that one up now. Yeah. And this one here, it's just breaking down your insurances in a bit more detail. But it basically just lets you know that everything is paid and up to date for you. Mhmm. And the next one is your twelve month performance report. If you can open that one for me. Just let me know when that one's loaded for you. Yep. Yep. Yep.","start_word":5305,"end_word":5411,"sentiment":"neutral","sentiment_score":0.11659105122089386},{"text":"Five Perfect.","start_word":5412,"end_word":5413,"sentiment":"positive","sentiment_score":0.4516483247280121},{"text":"and yep. Now this one can look a little bit messy sometimes, Reach but out. it it does break down all of your investments. So you can see all of your investments, how how they have performed, and what's happened in the last twelve months. Now on the second page, you should see where it says total portfolio. Now that one here tells us that in the last twelve months now, we have seen quite a bit of fluctuations in the market in the last twelve Yes. months. Yep. First, you obviously had everything in The US and Trump and everything, and more recently, obviously, the war. So we have seen quite a bit of fluctuation in the last twelve months. Despite that, though, your portfolio overall has held up really well.","start_word":5414,"end_word":5545,"sentiment":"neutral","sentiment_score":0.030971389898861},{"text":"So in the last twelve months, after all fees have come out of your account, your portfolio has still gone up by 10.51%, which Yep. we're really happy with.","start_word":5546,"end_word":5574,"sentiment":"positive","sentiment_score":0.5626891255378723},{"text":"Now Yep. with your portfolio as well, if you scroll up to that first page again for me where it says all the Mhmm. different investments, if you look at the second column to the right versus internal rate of return, Yep. that breaks down the investment return on each of your investment. So you can see here that the one that has brackets next to Yes. it or behind it, they are down. The others Yes.","start_word":5575,"end_word":5651,"sentiment":"neutral","sentiment_score":0.11979536712169649},{"text":"are all positive.","start_word":5652,"end_word":5654,"sentiment":"positive","sentiment_score":0.4743804633617401},{"text":"So when we do design your portfolio as well is you wanna make sure we focus on a lot of diversification. So if there are times in the market with one thing is doing really well, like you can see here, your Global X battery tech and lithium has gone up a 109%, which is crazy, Yes. which also is obviously everything with fuel prices, and that one focuses on, obviously, the the batteries and lithium that goes in through electric vehicles and stuff. So that one has gone through the roof. So they're kind of designed to balance itself up. So in the event that some areas are doing really well, it then kind of complements other areas. So, overall, it balance your portfolio. Okay. But with that, though, we have done a lot of research on the investments because things are always changing. So we wanna make sure that at all points in time, we have you in the best investment possible. And if we do a lot of research on an investment and we foresee that it's kind of underperforming a little bit and we don't foresee it coming back around as much, then we wanna look at swapping things out for you. So Yep. on the top one here where you see you've been along Australian equities, I would like to do a bit more research on looking at swapping this one out for you. So the Which investment one was that? committee, Sorry. The that's Vanek. the at the top one, all the way to the top Oh, where the Benelon. you manage Yes. Giant. fund. Yep. Yes. Yep. Yep. That one has underperformed a little bit recently.","start_word":5655,"end_word":5937,"sentiment":"neutral","sentiment_score":0.14611351621656452},{"text":"So the reason that was added to your portfolio was because they were the one of the best performing fund managers, and they were doing really, really well.","start_word":5938,"end_word":5965,"sentiment":"positive","sentiment_score":0.406496524810791},{"text":"More recently, they have underperformed a little bit and been a little bit slower in making their decision. And after doing quite a bit of research, we feel like there are better options out there that's going to put you in a better position. So if you are happy for me to do so, I would like to do a bit more research and put together a proposal of looking at swapping this one for you for a better alternative option. Are you happy for me to do that? Yeah. Absolutely. Yeah. Yep.","start_word":5966,"end_word":6058,"sentiment":"neutral","sentiment_score":0.07312697917222977},{"text":"Perfect.","start_word":6059,"end_word":6059,"sentiment":"positive","sentiment_score":0.49077653884887695},{"text":"Now it will take me about a week or so to put it all together because I wanna make sure I also factor in that if I'm obviously selling some investments for others, I wanna minimize any tax potential that would be there. And then it'll also give you an overview of, you know, the fees changes and performance and stuff like that so you can also see it. But it's also a Yep. good kind of check-in to see, well, okay, a bit of an updated projection of where things are tracking right now, and that Mhmm. might help you as well when you do decide if you wanna put a little bit more in or not the way things are kind of on track. Yep. So when is a good time for you to kind of go through that with me? So you need about a week to do that anyway? Yes. So Yep. do you have any time next week? Yeah. Yeah. I'm just gonna look at my I'm just gonna look at my roster one minute. Yes. Yeah. I'm pretty good next week. Yep. Okay. Let me do you prefer mornings or afternoons, typically? Oh, look. It doesn't it just depends Doesn't matter? what yeah. Okay. Probably yeah. Alright. Let Straight me have up. a look. Yeah. If you throw some dates and times at me, I'll Yeah. Okay.","start_word":6060,"end_word":6292,"sentiment":"neutral","sentiment_score":0.16151871575370366},{"text":"Perfect.","start_word":6293,"end_word":6293,"sentiment":"positive","sentiment_score":0.33755236864089966},{"text":"So I could either do Thursday, the fourteenth, and I can do at 10AM. yeah. That won't be any good. I'm on nights. Just the night before. Okay. No. Let's not do that. Otherwise, I can do Thursday the fourteenth again at 2PM, or I could do Tuesday the twelfth at 04:30. Yep. 04:30 would be good. 04:30? Okay. Perfect. Yeah. So this Tuesday the twelfth at 04:30. Now Yeah. if anything does change and you can't make it or work or anything like that, Mhmm. just let me know, and I'll see if I can shuffle a few things around for you. Otherwise, do you want a reminder text sent, like, two hours before the appointment just as That'd a little be great. Yeah.","start_word":6294,"end_word":6418,"sentiment":"neutral","sentiment_score":0.03312314674258232},{"text":"Yep. That'd be awesome. Thank you. Beautiful.","start_word":6419,"end_word":6425,"sentiment":"positive","sentiment_score":0.6532127261161804},{"text":"That's all locked in on next Tuesday at 04:30. Now the last thing with those documents there, Lauren, it's just then if you are happy to do so, it's through click process sign now, and it will ask you to sign through document. Yeah. I'm sorry. I'm gonna Now go back in. yep. Now just so Yep. you know as well what it is to sign is that the first one is an ongoing service agreement. Now that one here, just the usual, just to say that you are happy to remain and stay on as a client, There Mhmm. is no changes whatsoever in regards to the fee structure. So that stays exactly the same at 1.65 from super. No changes in regards to that, and it is not Mhmm. a locked contract. So if at any point in time you are not happy, there is no lock in contract. So this lets us service you in the meantime and keep everything rolling for you. Yes. And then the last one is a compliance form. It is a tax file number form. And that's just to say that we are keeping your tax file number secure and safe on file, essentially. No worries. So I can just double date both of those and Yes. it'll sign. Yes, please. Yep. And then once you've added the signature, it should see say validate, I believe. It's just loading. You will get the the signed document by mail. Oh, yeah. I think I've done it. It's Yes. signed. I Yep. can Yep.","start_word":6426,"end_word":6685,"sentiment":"neutral","sentiment_score":0.13806477240644968},{"text":"I can actually see it's already come through, which is great? Now there is so that you can click and download the documents if you ever wanna go and have a look at them.","start_word":6686,"end_word":6719,"sentiment":"positive","sentiment_score":0.4567326307296753},{"text":"You don't have to.","start_word":6720,"end_word":6723,"sentiment":"neutral","sentiment_score":0.3227357864379883},{"text":"I always have a copy on file as well.","start_word":6724,"end_word":6732,"sentiment":"positive","sentiment_score":0.3607496917247772},{"text":"So if at any point in time you want access to them, just let me know, and I can always get them emailed to you as well. Mhmm. Otherwise, I do have you booked in next Tuesday to go through the little research on your super investment. But do you have any other questions or need anything else from me before I let you go?","start_word":6733,"end_word":6797,"sentiment":"neutral","sentiment_score":0.2731812596321106},{"text":"And enjoy the rest of your day, otherwise, Laura.","start_word":6798,"end_word":6806,"sentiment":"positive","sentiment_score":0.42642807960510254},{"text":"Yep. So between but in the in the last financial year, I'm just trying to see where is it I just want a an actual figure of how Mhmm. much. From the balance. Yep. Perfect. Yeah. So when we started so on the in the report, so on the 05/02/2025, your super balance was at 326,000 Mhmm. 541. So 326541. Five 41. Yep. Yep. And now it's at $372.05 Yep. 5. Perfect. I'm on the fifth of the fifth. So, yes, it's Yep. yeah.","start_word":6807,"end_word":6890,"sentiment":"neutral","sentiment_score":0.05788012593984604},{"text":"Cool.","start_word":6891,"end_word":6891,"sentiment":"positive","sentiment_score":0.3355169892311096},{"text":"And let's see here.","start_word":6892,"end_word":6895,"sentiment":"neutral","sentiment_score":0.2487126886844635},{"text":"And I'm just in your account right now, and it's gone up a little bit more, which is great.","start_word":6896,"end_word":6914,"sentiment":"positive","sentiment_score":0.33939093351364136},{"text":"Sorry. It's at three hundred and seventy three at $5.17 as of today. On the fifth of the fifth. Yes. Correct. Yep. Yeah. Perfect. Because this document was prepared on the May 1. Yep. No dramas. Yeah. Yep. Perfect. Did that answer those questions No worries. for you? Yeah. Absolutely. That's Yeah. no.","start_word":6915,"end_word":6967,"sentiment":"neutral","sentiment_score":0.08022955805063248},{"text":"That's fine. I think thanks Yeah. very much.","start_word":6968,"end_word":6975,"sentiment":"positive","sentiment_score":0.5092092752456665},{"text":"It makes No sense. problem. And, yeah, I'll put on my to do list to, yeah, do the will, and Yes. And I'll let me know how you go with the bank and stuff like that. yeah. For Of sure. I'll actually I'll hopefully if I can try and do that before I speak to you on Tuesday. course. Yeah.","start_word":6976,"end_word":7035,"sentiment":"neutral","sentiment_score":0.12006311118602753},{"text":"Perfect.","start_word":7036,"end_word":7036,"sentiment":"positive","sentiment_score":0.6261966824531555},{"text":"And let me know if you do want, Yeah. like, I'll yeah. Exactly to give you a call as well.","start_word":7037,"end_word":7056,"sentiment":"neutral","sentiment_score":0.2690064609050751},{"text":"So, yeah, let me know how you go with everything, and I'll let you go and enjoy the rest of your afternoon.","start_word":7057,"end_word":7078,"sentiment":"positive","sentiment_score":0.5666579008102417},{"text":"But if there's anything that you need or any other questions between now and Tuesday next week, you can always just give me a call or send me an email as well.","start_word":7079,"end_word":7110,"sentiment":"neutral","sentiment_score":0.20534391701221463},{"text":"No worries. Thanks very much, Veronica. No problem at all. It was lovely speaking with you, and I look forward to speaking with you next Tuesday. Cheers. Thank you. Bye Thanks. bye.","start_word":7111,"end_word":7142,"sentiment":"positive","sentiment_score":0.7583352327346802},{"text":"Bye.","start_word":7143,"end_word":7143,"sentiment":"neutral","sentiment_score":0.3326364755630493}],"average":{"sentiment":"neutral","sentiment_score":0.1030563863878768}}}}