{"metadata":{"transaction_key":"deprecated","request_id":"019f6e12-ba67-72c3-9d3a-9498c0949800","sha256":"c4c2fa7d9c4359fbb9bf6491e048955dda296b9178e9f7b7cd8a76b5179ddd86","created":"2026-07-17T03:15:51.424Z","duration":2223.144,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":7119,"output_tokens":93},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":8014,"output_tokens":8029},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":8014,"output_tokens":553}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon, mister Hanson. It's Tommy here, senior adviser over to you. How are you doing? Right. I'm living the dream. It's a beautiful Friday. Happy Friday to you, sir. Yep. It's like, glad someone is. Let me know if you find out whose dream it is, though. Right. Absolutely. I have a few things I wanted to run through with you today. Your essentially, your file has been kind of escalated to me as senior adviser because there's a few bit of creative workarounds I'm I'm kind of thinking of. Mate, do you mind if I just go through a quick security check with you? No worries. Okay. No worries. Awesome. Can you hear me okay there? Sensational. Okay. So what I wanted to do to start with is just quickly check. Do you remember your OU password? Mhmm. Ziggy, sensational. And are you okay for the call to be recorded? Perfect. Perfect. So, Chris, having a look at your file there and your previous conversation with Kyle, one of our advisers, you have a little bit of an issue with insurance premium stopping your super from growing at the moment no matter how much it's trying to grow. Does that sound about right? Okay. Yep. So possibly an astute observation, but it needs to be fixed. So one of the background things that the team has been doing has been calling every single insurer in the industry just to see if we can get you a better deal than what you've got with OnePath. Now the only concern I've got is because your premiums are well over 6,000 now, that's the main issue. With the other insurers, they're most likely gonna offer you cover with, like, exclusions for potential issues with, like, the hand and back and things like that, which I don't think is is a very good deal for you because your current policy doesn't have any exclusions on it at all. So even though I found one that would probably trim the premiums down maybe a thousand dollars, the exclusion kind of lean towards, for me, not a good idea. So I've got a few other ideas instead. Cool. So I'm just having a look at your details on file. It seems like you've got a pretty decent amount sitting in your offset account at the moment last time we checked compared to the mortgage. So I've got here that you've got about 260,000 owing and about $2.40 in the offset account, which I just wanted to double check with you, Chris. The the money in the offset, that would be on top, wouldn't it? So you'd be owing maybe 500,000 with $2.40 in offset. Yep. Right. So you may only have about $30 left to pay off. Alright. With $2.50 k owing sensational. So Yeah. Okay. So pretty much offsetting the whole lot then almost. Okay. So before I go into the next step, just swing over to the super for the second at the moment. So what I'm kinda noticing on your account is that for about nine months at a time, you're getting this pretty big growth where it's going up from the 58,000 up to 70,000, and then the insurance premium comes down and drops back down again. And then it grows up again another 10,000, then it drops back down from the premiums again. Does that make sense? Yeah. And it's doing a bit of a double whammy where it's growing. Premium comes out, book market drops a little bit, and then it grows. Premium comes out, book market drops a little bit, and it's just keeping you going sideways, which one silver lining is at least it's definitely not going backwards because based on those premiums, if you're in a low performance, you'd be going down quite fast. So that's one positive. And Yep. Always the way. Yep. So you're getting this double whammy effect where the premium seems to be coinciding with every market drop. I can almost use you as a predictor for the market at this point. Oh. Yeah. So one of the things we can do, there's there's basically three things that we've gotta do, is number one, we have to trim trim that insurance policy down because it's just it's just too much. No amount of investments I could pick will offset that. Yeah. They've got indexation linked to it. Yep. Yeah. Yep. Problem you've got too, though, is with the age based increases from age 55 to age 62, they're gonna jump it up a couple of grand a year just based on age as well. So they always do both, which is they up the cover, but they also increase prices every year in line with age. So we'd probably have to trim it down a bit further than 400,000 and try and keep it at that level. Whether that's 300 or 200, I I kinda wanna be guided by you on that, and I can get some quotes drawn up. Okay. So we'll go 300,000 to start with. We can always adjust it. It's it's impossible to get it back up again, but it's easier to trim it down when we when we need to, if that makes sense. So why don't I get a quote drawn up from one path to 300,000 and see if they can remove that indexation? At the same time, out of all the investments inside the super, I'm pretty happy with all of them except for one of them, which I'm not liking the way that Benelon options been performing compared to the other Australian shares. So I wanna do a bit of an engine tune up and switch one option out just to kind of bump up the returns a little bit, if that's okay. Cool. And then on top of that, I did wanna ask you, just in terms of contributions, are you able to make any, or should I just base it on no contributions going forward for the time being? Yeah. Yeah. Okay. Yeah. Yep. Okay. 25,000. Yep. So couple of options you've got. Oh, yeah. So got you there. When it comes to with the account and the contribution, is you can either do a regular contribution throughout the year, or if you get to every end of financial year, you can do, like, a one off contribution. Like, let's say you're pulling it inside your offset account all year, and then in June, you just whack in two, five, 10, whatever the figure is. You can do gradual or you can do a one off. Yep. That's okay. I'll put in $10 a week into the plan and send you the payment details for it. And then if you're able to like, if we get that rolling, I'll I'll build you a plan where we basically say, we trim down the insurances, fix up this investment option, and put in $10 a week, and then we'll help you with the form to claim that for tax at the end of financial year. And then after that point, it's just about whether you wanna do any lump sums with your accountant afterwards, but I'll put that as a as a maybe depending on how things play out for the year. How's that sound? Yep. It's about 12% if you're doing the old wages in SGC. Yeah. Yeah. Yeah. And so let's go yeah. That'll be perfect. So it it works out to be about $57.70 a week kind of thing before tax. Yeah. Yep. And one thing I wanted to just ask you just because the way the contributions work, if you're only earning $25,000, you're in that really low 16% tax bracket. When you do your tax return, do you have any other sources of income that bump you up above that? So when you do this year's just go and buy, will you finish the year about $20, 25, or would it be a lot higher than that? Yep. Gotcha. Alright. So just bear in mind that if you put the contributions in and you're including Medicare copying 18% tax on that income, the super tax is 15%, so it's a tiny bit less, but it's not a big difference like if you were earning $200. There is a possibility to do a non concessional contribution, which is like you use after tax dollars, but it goes in tax free, but then you're not getting that 3% difference. The only thing that really helps with is, oh, geez. Not gonna help too much, but estate planning. Your three daughters, are they all over 18? Yeah. So, look, it's not gonna make okay. It doesn't make too much of a difference, but what some people do towards the 50 is when they do those non concessional after tax contributions to go in tax free, but they don't get the difference. It it kinda goes into, like, a tax free pool so that your ben your beneficiaries pay less tax when they receive it after you pass away. But that's only gonna really save you more a couple of $100 at most. So if you're okay to just do it when you talk to the the accountant, if you're paying yourself wages, are they able to pay contributions like an employer does? Like, do you have a a PTY Ltd company? Because it's Hampton Services PTY Ltd. They should just be able to do it through a clearinghouse. Only reason why I'm saying that is because if you were a oh, yeah. Sorry. Do you have a? Yes. Yep. Got you loud and clear. Perfect. I've got you still. Yeah. Yeah. I find the same thing. I'm always floating around with the earbuds and between the car and the office and the laptop. Chris, have I got you still? So one thing I was saying is that just let me know when you're good to go. With some of the the sole traders, they don't have the ability to do that, pay themselves wages, pay themselves contributions like that. They basically have to pay it from their bank account like a BPAY or an EFT and then claim it in their tax return every year. It's not automatic. But if your accountant's able to actually go, oh, you've got the company, pay the wages, pay the super, they can handle all of that, and you don't have to do the extra paperwork. K? So I'm gonna treat it like that for the time being until if you have a conversation with the accountant and tell me that you've got to do it a different way, then we can just adjust it. Cool. Alrighty. So got a bit of a game plan. I'll work on those three things and build up an updated plan for you and and see how the projections look. Is there anything else that you want me to kind of factor in? Anything else that I can help you with? Yeah. Yeah. Yeah. It's about like a five and five club thing. Actually, while you mention it, there's there's three things that we can consider. You let me know what you think about this. You don't have to decide on it today. I'll do the research and and put it together in a document for you. But let's say you stay with what you've currently got and I switch out that one option, and it's doing the high growth thing. Right? So, basically, it goes up and down like the roller coaster ride with whatever happens on the news. Over five years, it'll average out at that 12 to 14%. Amazing. Incredible. Right? But you're gonna be seeing it going up and down that 10 to $15 mark you've been noticing. The second option is I don't know if it'll be a benefit to you. I'll check. We have something called an SMA bubble where we can put you on a bit of a lower fee menu inside Hub, but we can bring all your investments across into a bubble. And then hope you and a manager like we're using BlackRock at the moment. We can actually switch out some of those investments throughout the year without having to wait for a review and a whole new document. So it makes things a little bit quicker on for your account. So all I'm saying is we stay with where we are in engine tune up, it is gonna be going up and down like a roller coaster. Good five year returns, but it'll still happen like that. The Correct. No. So that's the only thing that's the only thing that it can't go that full. So what happens in that bubble is if one of the options is doing really bad, they can switch them out with one that's not dropping as much. So if your account was gonna drop 30%, it may only go down 15%. It smooths the returns out, but it will never do that all the way to cash and then back in again kind of thing. It'll do something like that, but it's not so bad to break. K? Only reason being is if we tried to do that with these guys, if we mistimed it at all, I've seen this happen a lot where people pull the money out and then they miss it on the way back up again, and they they miss that really good chunk of bounce back. So I can reduce the risk like that like we were saying a little bit. It'll do a pretty good amount, but it won't be full zero to a 100. You'll never lose the same kind of thing. It'll just be less volatile for the same risk level. Yeah. Well, that's had a smart little bit of a crash recently too. So whether that's a buying opportunity or not. Yeah. And then back to that $86.90. But, yeah, I remember those days when it was sitting at $1,520,000. Yeah. 100 percent. So oh, well, where our mandate is kinda like, if you've got people's cruise ship going through retirement, you've gotta keep it somewhat safe. And chucking it into something that can go up or down 80% in a year is about too far for us to travel for retirement funds. We do it a little bit for people's personal investment, but not for retirement. We have to get a a certain level of, not guarantee, but a bit of certainty that they'll actually get there. Cool. So let me research that bubble option for you. I'll I'll find the the replacement option anyway just in case, and then I'll compare the two and and give you a recommendation. Yep. Yeah. Yeah. And if you don't mind me asking, who set up that one path policy for you all those years ago? Yeah. Yeah. I think when we when you came across the Oakview, it was about 2,800. And then very quickly, it's 4 and then 6. And then, look, I've I've seen this play out many times before where I get people come through the door at sixty, and they're paying 12 to $20,000 in insurance premium. And I just no. That's not what I would like to do is keep an eye on it yearly and stop it from going backwards. Yeah. And it's weird, isn't it? People start off with a million dollars worth of cover for a thousand bucks, and then when they get old and actually need it, oh, here's your $200 for $10,000 a year, and it just becomes a joke at that point. Good thing is at least getting close to that mortgage being finished. So there's less need for having this big lump sum to cover a $700,000 mortgage or anything like that. So if we don't need it, it's that's the balancing act. Yep. Yeah. Yeah. That'll definitely help split three lines. Yeah. In terms of estate planning, are you happy for sorry. Did you you didn't know putting, like, a will in place or anything like that? I'm assuming a bit of a busy. No. That's fair enough. It is one of those impositions where it takes a bit of time. But in terms of the where everything goes, are you wanting all the soup and the life insurance to go to your wife in in the first step, or where would you prefer that order? Yeah. Because she will have yeah. She'd have her own beneficiaries and stuff like that. So we'll put it to there first. And I'll double check that one path should still be there when we get the quotes done. Alrighty. Chris, outside of that, I just wanted to ask you if there's been any major changes in all the other assets in terms of the vehicles and credit card and everything like that? Yep. Yep. Yep. And your daughter's got the cruise. Yeah. And just in terms of savings, I think we had about 26,000 in savings off to the side, not including the offset. Yeah. Put that back up. Okay. Yeah. Yeah. Absolutely. Alright. So that's all up to date. Thank you for that. Alright. I pretty much have everything I need. Is there anything else you guys are focusing on for the next couple of years, or it just build back up the savings, finish up the mortgage, look after the business? Yep. Awesome. Yep. Yeah. Right. $500 a day. That would be a pretty good weekend. Yeah. Absolutely. Always in need of good teachers, especially in the main areas. Alrighty. So we're looking pretty good there, Chris. Alright. I'll take this away with the team and put together that updated document research and plan for you. Just keep an ear out possibly in I've just come back from paternity leave myself, so I've been booked out for a couple of weeks. Thank you. Number three, so two boys and now a young daughter to add to it. Yeah. She is. You're alright, Chris, but but she's she's happy not the outnumbered. We'll say that. Yep. I can tell. I can tell. And you've helped them with the cars and everything, so I imagine their father is quite helpful. Yeah. They now have to stand on their own two feet. Yep. Awesome. Been teaching them. Yeah. Oh, fantastic. Especially in this economy. Most people are just stuck in the mud at the moment, so I'm glad to hear they're doing well. Wow. Alrighty. Yeah. Chris, I think I've got everything up to date. You haven't randomly changed address, I'm assuming. Palestine Court's still the main one. Yep. Yep. Okay. Aged care advice to come down the line. Yeah. No. That's true. And given that you've still got a BigPond email, I'm assuming that's still current and okay. Perfect. Just like my my uncle and my grandparents, everything's off the old BigPond. Then I go to the elder sibling, my parents, and everyone's got a Hotmail address, and everyone's on the old Gmail. It's just a generational thing, which email address people have. Yeah. And they're always Yeah. And it's also probably not not as safe as the big ponds too. Telstra is pretty on the spot when it comes to cybersecurity these days after all the things that have happened in the last five years. Yeah. I imagine. National news. Yeah. It was crazy. We we came in and ours was okay, but most of our clients nationwide were out for the morning. So you can imagine, I think we had about a 170 people booked in for various discussions, and I think we spoke to about 25 that day. Yep. Oh, jeez. And these days, people don't have a reference in the car or anything like that. Alrighty. Alright, Chris. I've got everything sorted, ready to go. I better let you enjoy your weekend there unless there's anything else I can help with today. K. Yeah. Yeah. And the the most frustrating thing about that is that when I look at our portfolios, all the long term five, ten year performance is kind of the most of them, top 2% in the country. And very, very impressive even when I first came to IPO. I was very impressed with their portfolios, and all that's been happening in the last five years is just news article after news article. Normally, you get a, you know, a good five to seven years where everything kind of grows for a while before there's a GFC or a .com bubble. But lately, there just seems to be something every year or two that seems to blow up around the world. So it's been a not the best of periods, but hopefully, they settle down next year. And either way, let's say look. This is a future thing. Let's say we get you to 60 where you hit your preservation edge to access a super. If we're still trying to get it going as much as we can, we'll do transition to retirement strategy with you to bump up the contributions, you know, pull out a little bit, put it back in for a tax deduction. So there's a few things we can do down the line, but this is just trying to get it back going positive for the next five years. And then when we get the other options available, I'll be running you through them straight away. Awesome, Chris. Mate, thank you very much for your time today. I appreciate it bouncing between the car and the phone. No worries. And just keep an ear out in a couple of weeks for the team to book you in with me once that plan's pretty well finished, and I look forward to seeing what we can come up with for you. Awesome, Chris. Have a great weekend, mate. Thank you. 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afternoon, mister Hanson. It's Tommy here, senior adviser over to you. How are you doing? Right. I'm living the dream.\n\nIt's a beautiful Friday. Happy Friday to you, sir. Yep. It's like, glad someone is. Let me know if you find out whose dream it is, though.\n\nRight. Absolutely. I have a few things I wanted to run through with you today. Your essentially, your file has been kind of escalated to me as senior adviser because there's a few bit of creative workarounds I'm I'm kind of thinking of. Mate, do you mind if I just go through a quick security check with you?\n\nNo worries. Okay. No worries. Awesome. Can you hear me okay there?\n\nSensational. Okay. So what I wanted to do to start with is just quickly check. Do you remember your OU password? Mhmm.\n\nZiggy, sensational. And are you okay for the call to be recorded? Perfect. Perfect. So, Chris, having a look at your file there and your previous conversation with Kyle, one of our advisers, you have a little bit of an issue with insurance premium stopping your super from growing at the moment no matter how much it's trying to grow.\n\nDoes that sound about right? Okay. Yep. So possibly an astute observation, but it needs to be fixed. So one of the background things that the team has been doing has been calling every single insurer in the industry just to see if we can get you a better deal than what you've got with OnePath.\n\nNow the only concern I've got is because your premiums are well over 6,000 now, that's the main issue. With the other insurers, they're most likely gonna offer you cover with, like, exclusions for potential issues with, like, the hand and back and things like that, which I don't think is is a very good deal for you because your current policy doesn't have any exclusions on it at all. So even though I found one that would probably trim the premiums down maybe a thousand dollars, the exclusion kind of lean towards, for me, not a good idea. So I've got a few other ideas instead. Cool.\n\nSo I'm just having a look at your details on file. It seems like you've got a pretty decent amount sitting in your offset account at the moment last time we checked compared to the mortgage. So I've got here that you've got about 260,000 owing and about $2.40 in the offset account, which I just wanted to double check with you, Chris. The the money in the offset, that would be on top, wouldn't it? So you'd be owing maybe 500,000 with $2.40 in offset.\n\nYep. Right. So you may only have about $30 left to pay off. Alright. With $2.50 k owing sensational.\n\nSo Yeah. Okay. So pretty much offsetting the whole lot then almost. Okay. So before I go into the next step, just swing over to the super for the second at the moment.\n\nSo what I'm kinda noticing on your account is that for about nine months at a time, you're getting this pretty big growth where it's going up from the 58,000 up to 70,000, and then the insurance premium comes down and drops back down again. And then it grows up again another 10,000, then it drops back down from the premiums again. Does that make sense? Yeah. And it's doing a bit of a double whammy where it's growing.\n\nPremium comes out, book market drops a little bit, and then it grows. Premium comes out, book market drops a little bit, and it's just keeping you going sideways, which one silver lining is at least it's definitely not going backwards because based on those premiums, if you're in a low performance, you'd be going down quite fast. So that's one positive. And Yep. Always the way.\n\nYep. So you're getting this double whammy effect where the premium seems to be coinciding with every market drop. I can almost use you as a predictor for the market at this point. Oh. Yeah.\n\nSo one of the things we can do, there's there's basically three things that we've gotta do, is number one, we have to trim trim that insurance policy down because it's just it's just too much. No amount of investments I could pick will offset that. Yeah. They've got indexation linked to it. Yep.\n\nYeah. Yep. Problem you've got too, though, is with the age based increases from age 55 to age 62, they're gonna jump it up a couple of grand a year just based on age as well. So they always do both, which is they up the cover, but they also increase prices every year in line with age. So we'd probably have to trim it down a bit further than 400,000 and try and keep it at that level.\n\nWhether that's 300 or 200, I I kinda wanna be guided by you on that, and I can get some quotes drawn up. Okay. So we'll go 300,000 to start with. We can always adjust it. It's it's impossible to get it back up again, but it's easier to trim it down when we when we need to, if that makes sense.\n\nSo why don't I get a quote drawn up from one path to 300,000 and see if they can remove that indexation? At the same time, out of all the investments inside the super, I'm pretty happy with all of them except for one of them, which I'm not liking the way that Benelon options been performing compared to the other Australian shares. So I wanna do a bit of an engine tune up and switch one option out just to kind of bump up the returns a little bit, if that's okay. Cool. And then on top of that, I did wanna ask you, just in terms of contributions, are you able to make any, or should I just base it on no contributions going forward for the time being?\n\nYeah. Yeah. Okay. Yeah. Yep.\n\nOkay. 25,000. Yep. So couple of options you've got. Oh, yeah.\n\nSo got you there. When it comes to with the account and the contribution, is you can either do a regular contribution throughout the year, or if you get to every end of financial year, you can do, like, a one off contribution. Like, let's say you're pulling it inside your offset account all year, and then in June, you just whack in two, five, 10, whatever the figure is. You can do gradual or you can do a one off. Yep.\n\nThat's okay. I'll put in $10 a week into the plan and send you the payment details for it. And then if you're able to like, if we get that rolling, I'll I'll build you a plan where we basically say, we trim down the insurances, fix up this investment option, and put in $10 a week, and then we'll help you with the form to claim that for tax at the end of financial year. And then after that point, it's just about whether you wanna do any lump sums with your accountant afterwards, but I'll put that as a as a maybe depending on how things play out for the year. How's that sound?\n\nYep. It's about 12% if you're doing the old wages in SGC. Yeah. Yeah. Yeah.\n\nAnd so let's go yeah. That'll be perfect. So it it works out to be about $57.70 a week kind of thing before tax. Yeah. Yep.\n\nAnd one thing I wanted to just ask you just because the way the contributions work, if you're only earning $25,000, you're in that really low 16% tax bracket. When you do your tax return, do you have any other sources of income that bump you up above that? So when you do this year's just go and buy, will you finish the year about $20, 25, or would it be a lot higher than that? Yep. Gotcha.\n\nAlright. So just bear in mind that if you put the contributions in and you're including Medicare copying 18% tax on that income, the super tax is 15%, so it's a tiny bit less, but it's not a big difference like if you were earning $200. There is a possibility to do a non concessional contribution, which is like you use after tax dollars, but it goes in tax free, but then you're not getting that 3% difference. The only thing that really helps with is, oh, geez. Not gonna help too much, but estate planning.\n\nYour three daughters, are they all over 18? Yeah. So, look, it's not gonna make okay. It doesn't make too much of a difference, but what some people do towards the 50 is when they do those non concessional after tax contributions to go in tax free, but they don't get the difference. It it kinda goes into, like, a tax free pool so that your ben your beneficiaries pay less tax when they receive it after you pass away.\n\nBut that's only gonna really save you more a couple of $100 at most. So if you're okay to just do it when you talk to the the accountant, if you're paying yourself wages, are they able to pay contributions like an employer does? Like, do you have a a PTY Ltd company? Because it's Hampton Services PTY Ltd. They should just be able to do it through a clearinghouse.\n\nOnly reason why I'm saying that is because if you were a oh, yeah. Sorry. Do you have a? Yes. Yep.\n\nGot you loud and clear. Perfect. I've got you still. Yeah. Yeah.\n\nI find the same thing. I'm always floating around with the earbuds and between the car and the office and the laptop. Chris, have I got you still? So one thing I was saying is that just let me know when you're good to go. With some of the the sole traders, they don't have the ability to do that, pay themselves wages, pay themselves contributions like that.\n\nThey basically have to pay it from their bank account like a BPAY or an EFT and then claim it in their tax return every year. It's not automatic. But if your accountant's able to actually go, oh, you've got the company, pay the wages, pay the super, they can handle all of that, and you don't have to do the extra paperwork. K? So I'm gonna treat it like that for the time being until if you have a conversation with the accountant and tell me that you've got to do it a different way, then we can just adjust it.\n\nCool. Alrighty. So got a bit of a game plan. I'll work on those three things and build up an updated plan for you and and see how the projections look. Is there anything else that you want me to kind of factor in?\n\nAnything else that I can help you with? Yeah. Yeah. Yeah. It's about like a five and five club thing.\n\nActually, while you mention it, there's there's three things that we can consider. You let me know what you think about this. You don't have to decide on it today. I'll do the research and and put it together in a document for you. But let's say you stay with what you've currently got and I switch out that one option, and it's doing the high growth thing.\n\nRight? So, basically, it goes up and down like the roller coaster ride with whatever happens on the news. Over five years, it'll average out at that 12 to 14%. Amazing. Incredible.\n\nRight? But you're gonna be seeing it going up and down that 10 to $15 mark you've been noticing. The second option is I don't know if it'll be a benefit to you. I'll check. We have something called an SMA bubble where we can put you on a bit of a lower fee menu inside Hub, but we can bring all your investments across into a bubble.\n\nAnd then hope you and a manager like we're using BlackRock at the moment. We can actually switch out some of those investments throughout the year without having to wait for a review and a whole new document. So it makes things a little bit quicker on for your account. So all I'm saying is we stay with where we are in engine tune up, it is gonna be going up and down like a roller coaster. Good five year returns, but it'll still happen like that.\n\nThe Correct. No. So that's the only thing that's the only thing that it can't go that full. So what happens in that bubble is if one of the options is doing really bad, they can switch them out with one that's not dropping as much. So if your account was gonna drop 30%, it may only go down 15%.\n\nIt smooths the returns out, but it will never do that all the way to cash and then back in again kind of thing. It'll do something like that, but it's not so bad to break. K? Only reason being is if we tried to do that with these guys, if we mistimed it at all, I've seen this happen a lot where people pull the money out and then they miss it on the way back up again, and they they miss that really good chunk of bounce back. So I can reduce the risk like that like we were saying a little bit.\n\nIt'll do a pretty good amount, but it won't be full zero to a 100. You'll never lose the same kind of thing. It'll just be less volatile for the same risk level. Yeah. Well, that's had a smart little bit of a crash recently too.\n\nSo whether that's a buying opportunity or not. Yeah. And then back to that $86.90. But, yeah, I remember those days when it was sitting at $1,520,000. Yeah.\n\n100 percent. So oh, well, where our mandate is kinda like, if you've got people's cruise ship going through retirement, you've gotta keep it somewhat safe. And chucking it into something that can go up or down 80% in a year is about too far for us to travel for retirement funds. We do it a little bit for people's personal investment, but not for retirement. We have to get a a certain level of, not guarantee, but a bit of certainty that they'll actually get there.\n\nCool. So let me research that bubble option for you. I'll I'll find the the replacement option anyway just in case, and then I'll compare the two and and give you a recommendation. Yep. Yeah.\n\nYeah. And if you don't mind me asking, who set up that one path policy for you all those years ago? Yeah. Yeah. I think when we when you came across the Oakview, it was about 2,800.\n\nAnd then very quickly, it's 4 and then 6. And then, look, I've I've seen this play out many times before where I get people come through the door at sixty, and they're paying 12 to $20,000 in insurance premium. And I just no. That's not what I would like to do is keep an eye on it yearly and stop it from going backwards. Yeah.\n\nAnd it's weird, isn't it? People start off with a million dollars worth of cover for a thousand bucks, and then when they get old and actually need it, oh, here's your $200 for $10,000 a year, and it just becomes a joke at that point. Good thing is at least getting close to that mortgage being finished. So there's less need for having this big lump sum to cover a $700,000 mortgage or anything like that. So if we don't need it, it's that's the balancing act.\n\nYep. Yeah. Yeah. That'll definitely help split three lines. Yeah.\n\nIn terms of estate planning, are you happy for sorry. Did you you didn't know putting, like, a will in place or anything like that? I'm assuming a bit of a busy. No. That's fair enough.\n\nIt is one of those impositions where it takes a bit of time. But in terms of the where everything goes, are you wanting all the soup and the life insurance to go to your wife in in the first step, or where would you prefer that order? Yeah. Because she will have yeah. She'd have her own beneficiaries and stuff like that.\n\nSo we'll put it to there first. And I'll double check that one path should still be there when we get the quotes done. Alrighty. Chris, outside of that, I just wanted to ask you if there's been any major changes in all the other assets in terms of the vehicles and credit card and everything like that? Yep.\n\nYep. Yep. And your daughter's got the cruise. Yeah. And just in terms of savings, I think we had about 26,000 in savings off to the side, not including the offset.\n\nYeah. Put that back up. Okay. Yeah. Yeah.\n\nAbsolutely. Alright. So that's all up to date. Thank you for that. Alright.\n\nI pretty much have everything I need. Is there anything else you guys are focusing on for the next couple of years, or it just build back up the savings, finish up the mortgage, look after the business? Yep. Awesome. Yep.\n\nYeah. Right. $500 a day. That would be a pretty good weekend. Yeah.\n\nAbsolutely. Always in need of good teachers, especially in the main areas. Alrighty. So we're looking pretty good there, Chris. Alright.\n\nI'll take this away with the team and put together that updated document research and plan for you. Just keep an ear out possibly in I've just come back from paternity leave myself, so I've been booked out for a couple of weeks. Thank you. Number three, so two boys and now a young daughter to add to it. Yeah.\n\nShe is. You're alright, Chris, but but she's she's happy not the outnumbered. We'll say that. Yep. I can tell.\n\nI can tell. And you've helped them with the cars and everything, so I imagine their father is quite helpful. Yeah. They now have to stand on their own two feet. Yep.\n\nAwesome. Been teaching them. Yeah. Oh, fantastic. Especially in this economy.\n\nMost people are just stuck in the mud at the moment, so I'm glad to hear they're doing well. Wow. Alrighty. Yeah. Chris, I think I've got everything up to date.\n\nYou haven't randomly changed address, I'm assuming. Palestine Court's still the main one. Yep. Yep. Okay.\n\nAged care advice to come down the line. Yeah. No. That's true. And given that you've still got a BigPond email, I'm assuming that's still current and okay.\n\nPerfect. Just like my my uncle and my grandparents, everything's off the old BigPond. Then I go to the elder sibling, my parents, and everyone's got a Hotmail address, and everyone's on the old Gmail. It's just a generational thing, which email address people have. Yeah.\n\nAnd they're always Yeah. And it's also probably not not as safe as the big ponds too. Telstra is pretty on the spot when it comes to cybersecurity these days after all the things that have happened in the last five years. Yeah. I imagine.\n\nNational news. Yeah. It was crazy. We we came in and ours was okay, but most of our clients nationwide were out for the morning. So you can imagine, I think we had about a 170 people booked in for various discussions, and I think we spoke to about 25 that day.\n\nYep. Oh, jeez. And these days, people don't have a reference in the car or anything like that. Alrighty. Alright, Chris.\n\nI've got everything sorted, ready to go. I better let you enjoy your weekend there unless there's anything else I can help with today. K. Yeah. Yeah.\n\nAnd the the most frustrating thing about that is that when I look at our portfolios, all the long term five, ten year performance is kind of the most of them, top 2% in the country. And very, very impressive even when I first came to IPO. I was very impressed with their portfolios, and all that's been happening in the last five years is just news article after news article. Normally, you get a, you know, a good five to seven years where everything kind of grows for a while before there's a GFC or a .com bubble. But lately, there just seems to be something every year or two that seems to blow up around the world.\n\nSo it's been a not the best of periods, but hopefully, they settle down next year. And either way, let's say look. This is a future thing. Let's say we get you to 60 where you hit your preservation edge to access a super. If we're still trying to get it going as much as we can, we'll do transition to retirement strategy with you to bump up the contributions, you know, pull out a little bit, put it back in for a tax deduction.\n\nSo there's a few things we can do down the line, but this is just trying to get it back going positive for the next five years. And then when we get the other options available, I'll be running you through them straight away. Awesome, Chris. Mate, thank you very much for your time today. I appreciate it bouncing between the car and the phone.\n\nNo worries. And just keep an ear out in a couple of weeks for the team to book you in with me once that plan's pretty well finished, and I look forward to seeing what we can come up with for you. Awesome, Chris. Have a great weekend, mate. Thank you.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good afternoon, mister Hanson.","start":3.6799998,"end":5.04,"sentiment":"positive","sentiment_score":0.3437402695417404},{"text":"It's Tommy here, senior adviser over to you.","start":5.04,"end":6.96,"sentiment":"neutral","sentiment_score":0.23392279259860516},{"text":"How are you doing?","start":6.96,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.25583161041140556},{"text":"Right.","start":9.84,"end":10.08,"sentiment":"positive","sentiment_score":0.4757830500602722},{"text":"I'm living the dream.","start":10.08,"end":10.88,"sentiment":"positive","sentiment_score":0.6902377307415009}],"sentiment":"positive","sentiment_score":0.35744780160131906,"num_words":21,"start":3.6799998,"end":10.88},{"sentences":[{"text":"It's a beautiful Friday.","start":10.88,"end":12.08,"sentiment":"positive","sentiment_score":0.8309783488512039},{"text":"Happy Friday to you, sir.","start":12.08,"end":13.46,"sentiment":"positive","sentiment_score":0.8118797183036804},{"text":"Yep.","start":18.285,"end":18.605,"sentiment":"neutral","sentiment_score":0.25172027945518494},{"text":"It's like, glad someone is.","start":18.605,"end":20.125,"sentiment":"positive","sentiment_score":0.3661088764667511},{"text":"Let me know if you find out whose dream it is, though.","start":20.125,"end":22.544998,"sentiment":"neutral","sentiment_score":0.11281350006659825}],"sentiment":"positive","sentiment_score":0.4007162462781977,"num_words":27,"start":10.88,"end":22.544998},{"sentences":[{"text":"Right.","start":25.085,"end":25.404999,"sentiment":"neutral","sentiment_score":0.1290683150291443},{"text":"Absolutely.","start":25.404999,"end":25.904999,"sentiment":"neutral","sentiment_score":0.17972078919410706},{"text":"I have a few things I wanted to run through with you today.","start":26.125,"end":30.27,"sentiment":"neutral","sentiment_score":0.03981930189407789},{"text":"Your essentially, your file has been kind of escalated to me as senior adviser because there's a few bit of creative workarounds I'm I'm kind of thinking of.","start":30.730001,"end":39.77,"sentiment":"neutral","sentiment_score":-0.15020316573125975},{"text":"Mate, do you mind if I just go through a quick security check with you?","start":39.77,"end":42.795,"sentiment":"neutral","sentiment_score":-0.008601897830764453}],"sentiment":"neutral","sentiment_score":-0.06048753584638752,"num_words":58,"start":25.085,"end":42.795},{"sentences":[{"text":"No worries.","start":46.394997,"end":47.135,"sentiment":"neutral","sentiment_score":-0.012508245185017586},{"text":"Okay.","start":50.795,"end":51.295,"sentiment":"neutral","sentiment_score":0.022324223071336743},{"text":"No worries.","start":51.675,"end":52.414997,"sentiment":"neutral","sentiment_score":0.013053248636424541},{"text":"Awesome.","start":68.659996,"end":69.06,"sentiment":"neutral","sentiment_score":0.253773957490921},{"text":"Can you hear me okay there?","start":69.06,"end":70.6,"sentiment":"neutral","sentiment_score":0.0914553813636303}],"sentiment":"neutral","sentiment_score":0.06882670630390446,"num_words":12,"start":46.394997,"end":70.6},{"sentences":[{"text":"Sensational.","start":73.085,"end":73.585,"sentiment":"neutral","sentiment_score":-0.006452139001339674},{"text":"Okay.","start":73.965,"end":74.284996,"sentiment":"neutral","sentiment_score":0.018101226538419724},{"text":"So what I wanted to do to start with is just quickly check.","start":74.284996,"end":77.565,"sentiment":"neutral","sentiment_score":0.022446107405882616},{"text":"Do you remember your OU password?","start":77.565,"end":79.665,"sentiment":"neutral","sentiment_score":-0.011905192397534847},{"text":"Mhmm.","start":81.645,"end":82.145,"sentiment":"neutral","sentiment_score":0.005821313243359327}],"sentiment":"neutral","sentiment_score":0.010810847394168377,"num_words":22,"start":73.085,"end":82.145},{"sentences":[{"text":"Ziggy, sensational.","start":82.365,"end":83.425,"sentiment":"neutral","sentiment_score":0.04633699730038643},{"text":"And are you okay for the call to be recorded?","start":83.485,"end":85.345,"sentiment":"neutral","sentiment_score":0.003784169256687164},{"text":"Perfect.","start":87.45,"end":87.95,"sentiment":"neutral","sentiment_score":0.29549673199653625},{"text":"Perfect.","start":88.01,"end":88.409996,"sentiment":"neutral","sentiment_score":0.24616017937660217},{"text":"So, Chris, having a look at your file there and your previous conversation with Kyle, one of our advisers, you have a little bit of an issue with insurance premium stopping your super from growing at the moment no matter how much it's trying to grow.","start":88.409996,"end":102.585,"sentiment":"neutral","sentiment_score":-0.16900579056338125}],"sentiment":"neutral","sentiment_score":-0.1183682294562459,"num_words":60,"start":82.365,"end":102.585},{"sentences":[{"text":"Does that sound about right?","start":102.585,"end":103.885,"sentiment":"neutral","sentiment_score":-0.16426000893115997},{"text":"Okay.","start":105.225,"end":105.725,"sentiment":"neutral","sentiment_score":-0.05670323967933655},{"text":"Yep.","start":107.305,"end":107.785,"sentiment":"neutral","sentiment_score":-0.08432425558567047},{"text":"So possibly an astute observation, but it needs to be fixed.","start":107.785,"end":111.405,"sentiment":"negative","sentiment_score":-0.34629884497685864},{"text":"So one of the background things that the team has been doing has been calling every single insurer in the industry just to see if we can get you a better deal than what you've got with OnePath.","start":112.62,"end":122.880005,"sentiment":"neutral","sentiment_score":-0.12218454009608219}],"sentiment":"neutral","sentiment_score":-0.16811834568423883,"num_words":56,"start":102.585,"end":122.880005},{"sentences":[{"text":"Now the only concern I've got is because your premiums are well over 6,000 now, that's the main issue.","start":125.615005,"end":132.035,"sentiment":"negative","sentiment_score":-0.3757843892825277},{"text":"With the other insurers, they're most likely gonna offer you cover with, like, exclusions for potential issues with, like, the hand and back and things like that, which I don't think is is a very good deal for you because your current policy doesn't have any exclusions on it at all.","start":132.975,"end":154.06,"sentiment":"neutral","sentiment_score":-0.2155407828954505},{"text":"So even though I found one that would probably trim the premiums down maybe a thousand dollars, the exclusion kind of lean towards, for me, not a good idea.","start":156.575,"end":168.675,"sentiment":"negative","sentiment_score":-0.5424285777683916},{"text":"So I've got a few other ideas instead.","start":169.27,"end":172.49,"sentiment":"neutral","sentiment_score":-0.2690131142735481},{"text":"Cool.","start":175.67,"end":175.99,"sentiment":"neutral","sentiment_score":0.2655281126499176}],"sentiment":"neutral","sentiment_score":-0.33101378593386876,"num_words":108,"start":125.615005,"end":175.99},{"sentences":[{"text":"So I'm just having a look at your details on file.","start":175.99,"end":180.49,"sentiment":"neutral","sentiment_score":0.2322210601784966},{"text":"It seems like you've got a pretty decent amount sitting in your offset account at the moment last time we checked compared to the mortgage.","start":181.505,"end":189.285,"sentiment":"positive","sentiment_score":0.35047985672950743},{"text":"So I've got here that you've got about 260,000 owing and about $2.40 in the offset account, which I just wanted to double check with you, Chris.","start":191.905,"end":204.49,"sentiment":"neutral","sentiment_score":0.12832570186367742},{"text":"The the money in the offset, that would be on top, wouldn't it?","start":204.55,"end":207.59001,"sentiment":"neutral","sentiment_score":0.07357539035953008},{"text":"So you'd be owing maybe 500,000 with $2.40 in offset.","start":207.59001,"end":212.185,"sentiment":"neutral","sentiment_score":0.028745157271623613}],"sentiment":"neutral","sentiment_score":0.18633899625477401,"num_words":86,"start":175.99,"end":212.185},{"sentences":[{"text":"Yep.","start":232.68,"end":233.18,"sentiment":"neutral","sentiment_score":0.03894937038421631},{"text":"Right.","start":236.805,"end":237.045,"sentiment":"neutral","sentiment_score":0.06314127892255783},{"text":"So you may only have about $30 left to pay off.","start":237.045,"end":239.785,"sentiment":"neutral","sentiment_score":0.058547529645941475},{"text":"Alright.","start":243.205,"end":243.685,"sentiment":"neutral","sentiment_score":0.24380885064601895},{"text":"With $2.50 k owing sensational.","start":243.685,"end":247.785,"sentiment":"positive","sentiment_score":0.36940920948982237}],"sentiment":"neutral","sentiment_score":0.1493141249214348,"num_words":19,"start":232.68,"end":247.785},{"sentences":[{"text":"So Yeah.","start":248.165,"end":274.76,"sentiment":"neutral","sentiment_score":0.10546451434493065},{"text":"Okay.","start":274.76,"end":275.26,"sentiment":"neutral","sentiment_score":0.08688270300626755},{"text":"So pretty much offsetting the whole lot then almost.","start":275.40002,"end":280.46002,"sentiment":"neutral","sentiment_score":0.06389533107479413},{"text":"Okay.","start":283.40002,"end":283.80002,"sentiment":"neutral","sentiment_score":0.07588863372802734},{"text":"So before I go into the next step, just swing over to the super for the second at the moment.","start":283.80002,"end":289.82,"sentiment":"neutral","sentiment_score":0.0351003136485815}],"sentiment":"neutral","sentiment_score":0.05002317024451314,"num_words":33,"start":248.165,"end":289.82},{"sentences":[{"text":"So what I'm kinda noticing on your account is that for about nine months at a time, you're getting this pretty big growth where it's going up from the 58,000 up to 70,000, and then the insurance premium comes down and drops back down again.","start":290.145,"end":304.965,"sentiment":"neutral","sentiment_score":-0.08206110211710135},{"text":"And then it grows up again another 10,000, then it drops back down from the premiums again.","start":305.12,"end":309.54,"sentiment":"neutral","sentiment_score":-0.11548902335412362},{"text":"Does that make sense?","start":309.6,"end":310.66,"sentiment":"neutral","sentiment_score":-0.021760541014373302},{"text":"Yeah.","start":320.095,"end":320.595,"sentiment":"neutral","sentiment_score":-0.11331211775541306},{"text":"And it's doing a bit of a double whammy where it's growing.","start":320.655,"end":323.955,"sentiment":"neutral","sentiment_score":-0.2099339154859384}],"sentiment":"neutral","sentiment_score":-0.10602056025232695,"num_words":79,"start":290.145,"end":323.955},{"sentences":[{"text":"Premium comes out, book market drops a little bit, and then it grows.","start":324.175,"end":327.455,"sentiment":"neutral","sentiment_score":-0.15762491352283037},{"text":"Premium comes out, book market drops a little bit, and it's just keeping you going sideways, which one silver lining is at least it's definitely not going backwards because based on those premiums, if you're in a low performance, you'd be going down quite fast.","start":327.455,"end":342.5,"sentiment":"neutral","sentiment_score":-0.1515371730758084},{"text":"So that's one positive.","start":342.5,"end":343.72,"sentiment":"neutral","sentiment_score":0.19778972864151},{"text":"And Yep.","start":350.995,"end":360.31,"sentiment":"neutral","sentiment_score":-0.0005729366093873978},{"text":"Always the way.","start":362.44998,"end":363.50998,"sentiment":"neutral","sentiment_score":0.04072708760698636}],"sentiment":"neutral","sentiment_score":-0.1187477964185067,"num_words":67,"start":324.175,"end":363.50998},{"sentences":[{"text":"Yep.","start":366.84998,"end":367.34998,"sentiment":"neutral","sentiment_score":0.08417576551437378},{"text":"So you're getting this double whammy effect where the premium seems to be coinciding with every market drop.","start":367.72998,"end":373.085,"sentiment":"neutral","sentiment_score":-0.01811245367086182},{"text":"I can almost use you as a predictor for the market at this point.","start":373.085,"end":376.385,"sentiment":"neutral","sentiment_score":0.028821210776056563},{"text":"Oh.","start":378.605,"end":379.105,"sentiment":"neutral","sentiment_score":-0.014225980266928673},{"text":"Yeah.","start":385.645,"end":386.145,"sentiment":"neutral","sentiment_score":-0.004050500690937042}],"sentiment":"neutral","sentiment_score":0.004096344838451062,"num_words":35,"start":366.84998,"end":386.145},{"sentences":[{"text":"So one of the things we can do, there's there's basically three things that we've gotta do, is number one, we have to trim trim that insurance policy down because it's just it's just too much.","start":387.36,"end":399.06,"sentiment":"neutral","sentiment_score":-0.10429271390765077},{"text":"No amount of investments I could pick will offset that.","start":400.715,"end":404.415,"sentiment":"neutral","sentiment_score":-0.18353671133518218},{"text":"Yeah.","start":413.28998,"end":413.69,"sentiment":"neutral","sentiment_score":0.03123260848224163},{"text":"They've got indexation linked to it.","start":413.69,"end":415.87,"sentiment":"neutral","sentiment_score":0.012699474891026815},{"text":"Yep.","start":426.585,"end":427.085,"sentiment":"neutral","sentiment_score":0.12438639253377914}],"sentiment":"neutral","sentiment_score":-0.09922386969750126,"num_words":54,"start":387.36,"end":427.085},{"sentences":[{"text":"Yeah.","start":435.545,"end":436.045,"sentiment":"neutral","sentiment_score":0.010396409779787064},{"text":"Yep.","start":439.91,"end":440.41,"sentiment":"neutral","sentiment_score":0.00659542391076684},{"text":"Problem you've got too, though, is with the age based increases from age 55 to age 62, they're gonna jump it up a couple of grand a year just based on age as well.","start":446.23,"end":459.295,"sentiment":"neutral","sentiment_score":-0.2924639814916779},{"text":"So they always do both, which is they up the cover, but they also increase prices every year in line with age.","start":464.25,"end":471.22998,"sentiment":"neutral","sentiment_score":0.02490192245353352},{"text":"So we'd probably have to trim it down a bit further than 400,000 and try and keep it at that level.","start":471.44998,"end":476.66998,"sentiment":"neutral","sentiment_score":-0.08770619279571942}],"sentiment":"neutral","sentiment_score":-0.14203507964251727,"num_words":79,"start":435.545,"end":476.66998},{"sentences":[{"text":"Whether that's 300 or 200, I I kinda wanna be guided by you on that, and I can get some quotes drawn up.","start":477.305,"end":483.725,"sentiment":"neutral","sentiment_score":0.2023841191245162},{"text":"Okay.","start":491.34,"end":491.66,"sentiment":"neutral","sentiment_score":0.14877313375473022},{"text":"So we'll go 300,000 to start with.","start":491.66,"end":493.74,"sentiment":"neutral","sentiment_score":0.11078609632594245},{"text":"We can always adjust it.","start":493.74,"end":495.02002,"sentiment":"neutral","sentiment_score":0.15288321524858475},{"text":"It's it's impossible to get it back up again, but it's easier to trim it down when we when we need to, if that makes sense.","start":495.02002,"end":500.88,"sentiment":"neutral","sentiment_score":0.06551759016628449}],"sentiment":"neutral","sentiment_score":0.12979006400752452,"num_words":62,"start":477.305,"end":500.88},{"sentences":[{"text":"So why don't I get a quote drawn up from one path to 300,000 and see if they can remove that indexation?","start":502.995,"end":508.695,"sentiment":"neutral","sentiment_score":0.03645263651428236},{"text":"At the same time, out of all the investments inside the super, I'm pretty happy with all of them except for one of them, which I'm not liking the way that Benelon options been performing compared to the other Australian shares.","start":514.03503,"end":527.08,"sentiment":"neutral","sentiment_score":-0.030792351357820557},{"text":"So I wanna do a bit of an engine tune up and switch one option out just to kind of bump up the returns a little bit, if that's okay.","start":527.08,"end":535.485,"sentiment":"neutral","sentiment_score":0.10728397145867348},{"text":"Cool.","start":538.025,"end":538.525,"sentiment":"positive","sentiment_score":0.5389693975448608},{"text":"And then on top of that, I did wanna ask you, just in terms of contributions, are you able to make any, or should I just base it on no contributions going forward for the time being?","start":538.66504,"end":547.79,"sentiment":"neutral","sentiment_score":0.08606941403972136}],"sentiment":"neutral","sentiment_score":0.04947731647647576,"num_words":131,"start":502.995,"end":547.79},{"sentences":[{"text":"Yeah.","start":566.02496,"end":566.52496,"sentiment":"neutral","sentiment_score":-0.0058678146451711655},{"text":"Yeah.","start":567.065,"end":567.565,"sentiment":"neutral","sentiment_score":0.009073784574866297},{"text":"Okay.","start":575.16,"end":575.66,"sentiment":"neutral","sentiment_score":-0.14311583340168},{"text":"Yeah.","start":582.2,"end":582.7,"sentiment":"neutral","sentiment_score":-0.07724819332361221},{"text":"Yep.","start":590.195,"end":590.695,"sentiment":"positive","sentiment_score":0.4248763918876648}],"sentiment":"neutral","sentiment_score":0.04154366701841354,"num_words":5,"start":566.02496,"end":590.695},{"sentences":[{"text":"Okay.","start":600.29,"end":600.79,"sentiment":"neutral","sentiment_score":0.10066947340965272},{"text":"25,000.","start":608.915,"end":610.135,"sentiment":"neutral","sentiment_score":0.14238648116588593},{"text":"Yep.","start":611.235,"end":611.735,"sentiment":"neutral","sentiment_score":0.2644331753253937},{"text":"So couple of options you've got.","start":613.395,"end":615.335,"sentiment":"neutral","sentiment_score":0.2201500063141187},{"text":"Oh, yeah.","start":621.16,"end":621.48,"sentiment":"neutral","sentiment_score":0.22315643727779388}],"sentiment":"neutral","sentiment_score":0.20679109475829385,"num_words":11,"start":600.29,"end":621.48},{"sentences":[{"text":"So got you there.","start":621.48,"end":622.44,"sentiment":"neutral","sentiment_score":0.17910310626029968},{"text":"When it comes to with the account and the contribution, is you can either do a regular contribution throughout the year, or if you get to every end of financial year, you can do, like, a one off contribution.","start":622.44,"end":633.82,"sentiment":"neutral","sentiment_score":0.13652898657780427},{"text":"Like, let's say you're pulling it inside your offset account all year, and then in June, you just whack in two, five, 10, whatever the figure is.","start":634.245,"end":642.40497,"sentiment":"neutral","sentiment_score":0.09697047924553906},{"text":"You can do gradual or you can do a one off.","start":642.40497,"end":645.385,"sentiment":"neutral","sentiment_score":0.07086969607255676},{"text":"Yep.","start":660.18,"end":660.68,"sentiment":"neutral","sentiment_score":0.04208183288574219}],"sentiment":"neutral","sentiment_score":0.11562066257181691,"num_words":82,"start":621.48,"end":660.68},{"sentences":[{"text":"That's okay.","start":665.09503,"end":665.575,"sentiment":"neutral","sentiment_score":0.03322507441043854},{"text":"I'll put in $10 a week into the plan and send you the payment details for it.","start":665.575,"end":670.47504,"sentiment":"neutral","sentiment_score":0.1690007605973412},{"text":"And then if you're able to like, if we get that rolling, I'll I'll build you a plan where we basically say, we trim down the insurances, fix up this investment option, and put in $10 a week, and then we'll help you with the form to claim that for tax at the end of financial year.","start":673.015,"end":687.58,"sentiment":"neutral","sentiment_score":0.2231969812460113},{"text":"And then after that point, it's just about whether you wanna do any lump sums with your accountant afterwards, but I'll put that as a as a maybe depending on how things play out for the year.","start":689.565,"end":701.085,"sentiment":"neutral","sentiment_score":0.20947247501966115},{"text":"How's that sound?","start":701.085,"end":701.905,"sentiment":"neutral","sentiment_score":0.27916091680526733}],"sentiment":"neutral","sentiment_score":0.2090487528977723,"num_words":116,"start":665.09503,"end":701.905},{"sentences":[{"text":"Yep.","start":705.88995,"end":706.38995,"sentiment":"neutral","sentiment_score":0.03481816500425339},{"text":"It's about 12% if you're doing the old wages in SGC.","start":718.335,"end":722.59503,"sentiment":"neutral","sentiment_score":-0.03519688865212216},{"text":"Yeah.","start":732.63995,"end":732.95996,"sentiment":"neutral","sentiment_score":0.07320693135261536},{"text":"Yeah.","start":732.95996,"end":733.19995,"sentiment":"neutral","sentiment_score":0.09843547642230988},{"text":"Yeah.","start":733.19995,"end":733.68,"sentiment":"neutral","sentiment_score":0.15683558583259585}],"sentiment":"neutral","sentiment_score":-0.001591307770771283,"num_words":15,"start":705.88995,"end":733.68},{"sentences":[{"text":"And so let's go yeah.","start":733.68,"end":736.63995,"sentiment":"neutral","sentiment_score":0.20205518305301667},{"text":"That'll be perfect.","start":736.63995,"end":737.62,"sentiment":"positive","sentiment_score":0.6789392232894897},{"text":"So it it works out to be about $57.70 a week kind of thing before tax.","start":741.375,"end":747.955,"sentiment":"neutral","sentiment_score":0.005833272414747626},{"text":"Yeah.","start":764.27,"end":764.75,"sentiment":"neutral","sentiment_score":0.17778074741363523},{"text":"Yep.","start":764.75,"end":765.25,"sentiment":"neutral","sentiment_score":0.1715507209300995}],"sentiment":"neutral","sentiment_score":0.13422143892743266,"num_words":26,"start":733.68,"end":765.25},{"sentences":[{"text":"And one thing I wanted to just ask you just because the way the contributions work, if you're only earning $25,000, you're in that really low 16% tax bracket.","start":766.48505,"end":778.825,"sentiment":"neutral","sentiment_score":0.05644854415079643},{"text":"When you do your tax return, do you have any other sources of income that bump you up above that?","start":781.51996,"end":785.83997,"sentiment":"neutral","sentiment_score":0.0645728088915348},{"text":"So when you do this year's just go and buy, will you finish the year about $20, 25, or would it be a lot higher than that?","start":785.83997,"end":793.215,"sentiment":"neutral","sentiment_score":0.04056538124051359},{"text":"Yep.","start":798.49506,"end":798.99506,"sentiment":"neutral","sentiment_score":-0.03834258019924164},{"text":"Gotcha.","start":808.94,"end":809.44,"sentiment":"neutral","sentiment_score":-0.041465677320957184}],"sentiment":"neutral","sentiment_score":0.0505630896689418,"num_words":78,"start":766.48505,"end":809.44},{"sentences":[{"text":"Alright.","start":821.71497,"end":822.115,"sentiment":"neutral","sentiment_score":0.0626620352268219},{"text":"So just bear in mind that if you put the contributions in and you're including Medicare copying 18% tax on that income, the super tax is 15%, so it's a tiny bit less, but it's not a big difference like if you were earning $200.","start":822.115,"end":837.38,"sentiment":"neutral","sentiment_score":0.008923649022148716},{"text":"There is a possibility to do a non concessional contribution, which is like you use after tax dollars, but it goes in tax free, but then you're not getting that 3% difference.","start":843.04004,"end":852.755,"sentiment":"neutral","sentiment_score":-0.038127590785734355},{"text":"The only thing that really helps with is, oh, geez.","start":859.455,"end":863.45,"sentiment":"neutral","sentiment_score":0.07097828797996045},{"text":"Not gonna help too much, but estate planning.","start":863.45,"end":865.63,"sentiment":"neutral","sentiment_score":-0.1062039639800787}],"sentiment":"neutral","sentiment_score":-0.009330265582927192,"num_words":96,"start":821.71497,"end":865.63},{"sentences":[{"text":"Your three daughters, are they all over 18?","start":866.41,"end":870.02997,"sentiment":"neutral","sentiment_score":0.015387000516057014},{"text":"Yeah.","start":873.61,"end":874.11,"sentiment":"neutral","sentiment_score":0.009328732267022131},{"text":"So, look, it's not gonna make okay.","start":874.25,"end":878.855,"sentiment":"neutral","sentiment_score":-0.037303922697901726},{"text":"It doesn't make too much of a difference, but what some people do towards the 50 is when they do those non concessional after tax contributions to go in tax free, but they don't get the difference.","start":879.635,"end":892.26,"sentiment":"neutral","sentiment_score":0.051734368543367125},{"text":"It it kinda goes into, like, a tax free pool so that your ben your beneficiaries pay less tax when they receive it after you pass away.","start":892.72003,"end":900.9,"sentiment":"neutral","sentiment_score":0.16887289809959907}],"sentiment":"neutral","sentiment_score":0.07931296452879906,"num_words":80,"start":866.41,"end":900.9},{"sentences":[{"text":"But that's only gonna really save you more a couple of $100 at most.","start":900.96,"end":907.875,"sentiment":"neutral","sentiment_score":0.26983227687222616},{"text":"So if you're okay to just do it when you talk to the the accountant, if you're paying yourself wages, are they able to pay contributions like an employer does?","start":911.215,"end":920.45,"sentiment":"neutral","sentiment_score":0.07914739723006885},{"text":"Like, do you have a a PTY Ltd company?","start":920.45,"end":923.51,"sentiment":"neutral","sentiment_score":0.02244421953542365},{"text":"Because it's Hampton Services PTY Ltd.","start":923.73004,"end":926.13,"sentiment":"neutral","sentiment_score":0.032368505063156285},{"text":"They should just be able to do it through a clearinghouse.","start":926.13,"end":928.15,"sentiment":"neutral","sentiment_score":0.03421177363700487}],"sentiment":"neutral","sentiment_score":0.09892303299025766,"num_words":70,"start":900.96,"end":928.15},{"sentences":[{"text":"Only reason why I'm saying that is because if you were a oh, yeah.","start":937.135,"end":940.49506,"sentiment":"neutral","sentiment_score":-0.10217058445726122},{"text":"Sorry.","start":940.49506,"end":940.73505,"sentiment":"neutral","sentiment_score":-0.0656462162733078},{"text":"Do you have a?","start":940.73505,"end":941.55505,"sentiment":"neutral","sentiment_score":-0.0439829807728529},{"text":"Yes.","start":953.38995,"end":953.88995,"sentiment":"neutral","sentiment_score":0.0179446991533041},{"text":"Yep.","start":960.125,"end":960.445,"sentiment":"neutral","sentiment_score":0.1061789020895958}],"sentiment":"neutral","sentiment_score":-0.07370679621540364,"num_words":21,"start":937.135,"end":960.445},{"sentences":[{"text":"Got you loud and clear.","start":960.445,"end":961.745,"sentiment":"neutral","sentiment_score":0.13317140936851501},{"text":"Perfect.","start":978.98,"end":979.48,"sentiment":"positive","sentiment_score":0.6040942072868347},{"text":"I've got you still.","start":979.54,"end":980.68,"sentiment":"positive","sentiment_score":0.4139038100838661},{"text":"Yeah.","start":992.305,"end":992.805,"sentiment":"neutral","sentiment_score":0.13240352272987366},{"text":"Yeah.","start":993.105,"end":993.345,"sentiment":"neutral","sentiment_score":0.12359453737735748}],"sentiment":"neutral","sentiment_score":0.26513037954767543,"num_words":12,"start":960.445,"end":993.345},{"sentences":[{"text":"I find the same thing.","start":993.345,"end":994.565,"sentiment":"neutral","sentiment_score":0.09214923828840256},{"text":"I'm always floating around with the earbuds and between the car and the office and the laptop.","start":994.91003,"end":999.65,"sentiment":"neutral","sentiment_score":0.0679052575107883},{"text":"Chris, have I got you still?","start":1012.79504,"end":1014.895,"sentiment":"neutral","sentiment_score":0.06079826379815737},{"text":"So one thing I was saying is that just let me know when you're good to go.","start":1016.715,"end":1020.815,"sentiment":"neutral","sentiment_score":0.23341739528319416},{"text":"With some of the the sole traders, they don't have the ability to do that, pay themselves wages, pay themselves contributions like that.","start":1024.33,"end":1033.71,"sentiment":"neutral","sentiment_score":0.0316634985577801}],"sentiment":"neutral","sentiment_score":0.09818060791996472,"num_words":68,"start":993.345,"end":1033.71},{"sentences":[{"text":"They basically have to pay it from their bank account like a BPAY or an EFT and then claim it in their tax return every year.","start":1033.885,"end":1041.405,"sentiment":"neutral","sentiment_score":0.11762671860364768},{"text":"It's not automatic.","start":1041.405,"end":1042.385,"sentiment":"neutral","sentiment_score":0.09230918685595195},{"text":"But if your accountant's able to actually go, oh, you've got the company, pay the wages, pay the super, they can handle all of that, and you don't have to do the extra paperwork.","start":1042.845,"end":1051.92,"sentiment":"neutral","sentiment_score":0.19473183637156205},{"text":"K?","start":1055.42,"end":1055.92,"sentiment":"neutral","sentiment_score":0.07123938947916031},{"text":"So I'm gonna treat it like that for the time being until if you have a conversation with the accountant and tell me that you've got to do it a different way, then we can just adjust it.","start":1055.98,"end":1066.375,"sentiment":"neutral","sentiment_score":0.0982346939609239}],"sentiment":"neutral","sentiment_score":0.1349045337342164,"num_words":102,"start":1033.885,"end":1066.375},{"sentences":[{"text":"Cool.","start":1069.155,"end":1069.655,"sentiment":"positive","sentiment_score":0.36052608489990234},{"text":"Alrighty.","start":1070.755,"end":1071.255,"sentiment":"positive","sentiment_score":0.34892675280570984},{"text":"So got a bit of a game plan.","start":1073.395,"end":1075.175,"sentiment":"neutral","sentiment_score":0.24622874334454536},{"text":"I'll work on those three things and build up an updated plan for you and and see how the projections look.","start":1075.235,"end":1081.15,"sentiment":"neutral","sentiment_score":0.2620797398544493},{"text":"Is there anything else that you want me to kind of factor in?","start":1082.09,"end":1085.21,"sentiment":"neutral","sentiment_score":0.12730715825007513}],"sentiment":"neutral","sentiment_score":0.2235897813330997,"num_words":44,"start":1069.155,"end":1085.21},{"sentences":[{"text":"Anything else that I can help you with?","start":1085.21,"end":1086.99,"sentiment":"neutral","sentiment_score":0.11585227865725756},{"text":"Yeah.","start":1104.905,"end":1105.405,"sentiment":"neutral","sentiment_score":-0.03676104545593262},{"text":"Yeah.","start":1122.915,"end":1123.415,"sentiment":"neutral","sentiment_score":-0.015882913023233414},{"text":"Yeah.","start":1141.01,"end":1141.25,"sentiment":"neutral","sentiment_score":-0.0135250985622406},{"text":"It's about like a five and five club thing.","start":1141.25,"end":1143.59,"sentiment":"neutral","sentiment_score":0.11240816447469923}],"sentiment":"neutral","sentiment_score":0.09361613262444735,"num_words":20,"start":1085.21,"end":1143.59},{"sentences":[{"text":"Actually, while you mention it, there's there's three things that we can consider.","start":1144.21,"end":1148.125,"sentiment":"neutral","sentiment_score":0.08762153438650645},{"text":"You let me know what you think about this.","start":1148.125,"end":1149.565,"sentiment":"neutral","sentiment_score":0.16499337140056822},{"text":"You don't have to decide on it today.","start":1149.565,"end":1151.885,"sentiment":"neutral","sentiment_score":0.09000805858522654},{"text":"I'll do the research and and put it together in a document for you.","start":1151.885,"end":1155.6649,"sentiment":"neutral","sentiment_score":0.14226814838392393},{"text":"But let's say you stay with what you've currently got and I switch out that one option, and it's doing the high growth thing.","start":1155.885,"end":1163.61,"sentiment":"neutral","sentiment_score":0.13353568812211355}],"sentiment":"neutral","sentiment_score":0.1255984610384878,"num_words":68,"start":1144.21,"end":1163.61},{"sentences":[{"text":"Right?","start":1163.61,"end":1163.85,"sentiment":"neutral","sentiment_score":0.11484618484973907},{"text":"So, basically, it goes up and down like the roller coaster ride with whatever happens on the news.","start":1163.85,"end":1168.03,"sentiment":"neutral","sentiment_score":0.0694838162097666},{"text":"Over five years, it'll average out at that 12 to 14%.","start":1168.97,"end":1173.285,"sentiment":"neutral","sentiment_score":0.260582452470606},{"text":"Amazing.","start":1173.285,"end":1173.785,"sentiment":"positive","sentiment_score":0.7868144512176514},{"text":"Incredible.","start":1173.925,"end":1174.425,"sentiment":"positive","sentiment_score":0.7420697808265686}],"sentiment":"neutral","sentiment_score":0.18002644018270075,"num_words":32,"start":1163.61,"end":1174.425},{"sentences":[{"text":"Right?","start":1174.805,"end":1175.285,"sentiment":"positive","sentiment_score":0.5875564217567444},{"text":"But you're gonna be seeing it going up and down that 10 to $15 mark you've been noticing.","start":1175.285,"end":1179.385,"sentiment":"positive","sentiment_score":0.34842094282309216},{"text":"The second option is I don't know if it'll be a benefit to you.","start":1181.2051,"end":1186.22,"sentiment":"neutral","sentiment_score":0.1761626691690513},{"text":"I'll check.","start":1186.22,"end":1186.96,"sentiment":"neutral","sentiment_score":0.07093229703605175},{"text":"We have something called an SMA bubble where we can put you on a bit of a lower fee menu inside Hub, but we can bring all your investments across into a bubble.","start":1187.26,"end":1198.0,"sentiment":"neutral","sentiment_score":0.19011211462996222}],"sentiment":"neutral","sentiment_score":0.2314849284970585,"num_words":68,"start":1174.805,"end":1198.0},{"sentences":[{"text":"And then hope you and a manager like we're using BlackRock at the moment.","start":1198.22,"end":1203.795,"sentiment":"neutral","sentiment_score":0.20859191247395106},{"text":"We can actually switch out some of those investments throughout the year without having to wait for a review and a whole new document.","start":1204.175,"end":1211.795,"sentiment":"neutral","sentiment_score":0.2282501688847939},{"text":"So it makes things a little bit quicker on for your account.","start":1211.8551,"end":1214.915,"sentiment":"positive","sentiment_score":0.3570546545088291},{"text":"So all I'm saying is we stay with where we are in engine tune up, it is gonna be going up and down like a roller coaster.","start":1217.75,"end":1223.53,"sentiment":"neutral","sentiment_score":0.09708384796977043},{"text":"Good five year returns, but it'll still happen like that.","start":1224.23,"end":1227.29,"sentiment":"neutral","sentiment_score":0.09538800418376922}],"sentiment":"neutral","sentiment_score":0.1868746048160668,"num_words":87,"start":1198.22,"end":1227.29},{"sentences":[{"text":"The Correct.","start":1227.795,"end":1251.43,"sentiment":"neutral","sentiment_score":0.09152363985776901},{"text":"No.","start":1251.7301,"end":1252.05,"sentiment":"neutral","sentiment_score":-0.06234131753444672},{"text":"So that's the only thing that's the only thing that it can't go that full.","start":1252.05,"end":1257.105,"sentiment":"neutral","sentiment_score":-0.14672842348615328},{"text":"So what happens in that bubble is if one of the options is doing really bad, they can switch them out with one that's not dropping as much.","start":1257.105,"end":1264.8049,"sentiment":"neutral","sentiment_score":-0.14089123784963573},{"text":"So if your account was gonna drop 30%, it may only go down 15%.","start":1264.865,"end":1268.965,"sentiment":"neutral","sentiment_score":-0.045959875519786565}],"sentiment":"neutral","sentiment_score":-0.11114355511963367,"num_words":60,"start":1227.795,"end":1268.965},{"sentences":[{"text":"It smooths the returns out, but it will never do that all the way to cash and then back in again kind of thing.","start":1269.3401,"end":1275.8401,"sentiment":"neutral","sentiment_score":-0.09432097524404526},{"text":"It'll do something like that, but it's not so bad to break.","start":1276.7001,"end":1280.2401,"sentiment":"neutral","sentiment_score":0.05207475430021683},{"text":"K?","start":1283.755,"end":1284.235,"sentiment":"neutral","sentiment_score":0.005681060254573822},{"text":"Only reason being is if we tried to do that with these guys, if we mistimed it at all, I've seen this happen a lot where people pull the money out and then they miss it on the way back up again, and they they miss that really good chunk of bounce back.","start":1284.235,"end":1299.84,"sentiment":"neutral","sentiment_score":-0.07308744097936828},{"text":"So I can reduce the risk like that like we were saying a little bit.","start":1302.86,"end":1306.46,"sentiment":"neutral","sentiment_score":0.17794490456581116}],"sentiment":"neutral","sentiment_score":-0.027024629499231068,"num_words":105,"start":1269.3401,"end":1306.46},{"sentences":[{"text":"It'll do a pretty good amount, but it won't be full zero to a 100.","start":1306.46,"end":1310.275,"sentiment":"neutral","sentiment_score":0.2083281507094701},{"text":"You'll never lose the same kind of thing.","start":1310.275,"end":1312.1951,"sentiment":"neutral","sentiment_score":0.07515018340200186},{"text":"It'll just be less volatile for the same risk level.","start":1312.1951,"end":1316.935,"sentiment":"neutral","sentiment_score":-0.04742728471755982},{"text":"Yeah.","start":1333.89,"end":1334.29,"sentiment":"neutral","sentiment_score":-0.0012686699628829956},{"text":"Well, that's had a smart little bit of a crash recently too.","start":1334.29,"end":1336.85,"sentiment":"neutral","sentiment_score":-0.23535318051775297}],"sentiment":"neutral","sentiment_score":0.00926834879362065,"num_words":46,"start":1306.46,"end":1336.85},{"sentences":[{"text":"So whether that's a buying opportunity or not.","start":1336.85,"end":1340.055,"sentiment":"neutral","sentiment_score":-0.036889485316351056},{"text":"Yeah.","start":1354.0599,"end":1354.46,"sentiment":"neutral","sentiment_score":-0.0104630459100008},{"text":"And then back to that $86.90.","start":1354.46,"end":1357.12,"sentiment":"neutral","sentiment_score":-0.010561290895566344},{"text":"But, yeah, I remember those days when it was sitting at $1,520,000.","start":1357.4199,"end":1360.7999,"sentiment":"neutral","sentiment_score":0.0008165297719339529},{"text":"Yeah.","start":1366.1549,"end":1366.475,"sentiment":"neutral","sentiment_score":0.004564967006444931}],"sentiment":"neutral","sentiment_score":-0.012663691055162676,"num_words":28,"start":1336.85,"end":1366.475},{"sentences":[{"text":"100 percent.","start":1366.475,"end":1367.2949,"sentiment":"neutral","sentiment_score":-0.008410604670643806},{"text":"So oh, well, where our mandate is kinda like, if you've got people's cruise ship going through retirement, you've gotta keep it somewhat safe.","start":1374.955,"end":1385.0499,"sentiment":"neutral","sentiment_score":-0.022410697924594086},{"text":"And chucking it into something that can go up or down 80% in a year is about too far for us to travel for retirement funds.","start":1385.35,"end":1394.035,"sentiment":"neutral","sentiment_score":-0.17498604136590773},{"text":"We do it a little bit for people's personal investment, but not for retirement.","start":1394.035,"end":1397.735,"sentiment":"neutral","sentiment_score":-0.02419950919491904},{"text":"We have to get a a certain level of, not guarantee, but a bit of certainty that they'll actually get there.","start":1397.955,"end":1403.79,"sentiment":"neutral","sentiment_score":0.017126328799696194}],"sentiment":"neutral","sentiment_score":-0.058430520218165444,"num_words":87,"start":1366.475,"end":1403.79},{"sentences":[{"text":"Cool.","start":1408.5901,"end":1408.8301,"sentiment":"neutral","sentiment_score":0.13361647725105286},{"text":"So let me research that bubble option for you.","start":1408.8301,"end":1412.8501,"sentiment":"neutral","sentiment_score":0.11966607719659805},{"text":"I'll I'll find the the replacement option anyway just in case, and then I'll compare the two and and give you a recommendation.","start":1413.0701,"end":1419.975,"sentiment":"neutral","sentiment_score":0.11086553545749706},{"text":"Yep.","start":1427.635,"end":1428.135,"sentiment":"neutral","sentiment_score":0.31548410654067993},{"text":"Yeah.","start":1436.82,"end":1437.32,"sentiment":"neutral","sentiment_score":0.18125125765800476}],"sentiment":"neutral","sentiment_score":0.12163582433547293,"num_words":35,"start":1408.5901,"end":1437.32},{"sentences":[{"text":"Yeah.","start":1456.15,"end":1456.65,"sentiment":"neutral","sentiment_score":0.026853160932660103},{"text":"And if you don't mind me asking, who set up that one path policy for you all those years ago?","start":1459.99,"end":1464.65,"sentiment":"neutral","sentiment_score":-0.0011020027101039886},{"text":"Yeah.","start":1477.6849,"end":1478.1849,"sentiment":"neutral","sentiment_score":0.1903852671384811},{"text":"Yeah.","start":1485.48,"end":1485.72,"sentiment":"neutral","sentiment_score":0.08552539348602295},{"text":"I think when we when you came across the Oakview, it was about 2,800.","start":1485.72,"end":1489.82,"sentiment":"neutral","sentiment_score":-0.0026729474775493145}],"sentiment":"neutral","sentiment_score":0.006575743315389028,"num_words":37,"start":1456.15,"end":1489.82},{"sentences":[{"text":"And then very quickly, it's 4 and then 6.","start":1490.2799,"end":1493.275,"sentiment":"neutral","sentiment_score":-0.00432683237724834},{"text":"And then, look, I've I've seen this play out many times before where I get people come through the door at sixty, and they're paying 12 to $20,000 in insurance premium.","start":1493.275,"end":1502.735,"sentiment":"neutral","sentiment_score":-0.14836848611312528},{"text":"And I just no.","start":1503.195,"end":1505.115,"sentiment":"negative","sentiment_score":-0.3460715115070343},{"text":"That's not what I would like to do is keep an eye on it yearly and stop it from going backwards.","start":1505.115,"end":1511.16,"sentiment":"negative","sentiment_score":-0.4021348797139667},{"text":"Yeah.","start":1518.02,"end":1518.42,"sentiment":"neutral","sentiment_score":-0.03429950401186943}],"sentiment":"neutral","sentiment_score":-0.21972397855962766,"num_words":66,"start":1490.2799,"end":1518.42},{"sentences":[{"text":"And it's weird, isn't it?","start":1518.42,"end":1519.38,"sentiment":"neutral","sentiment_score":-0.10685337632894516},{"text":"People start off with a million dollars worth of cover for a thousand bucks, and then when they get old and actually need it, oh, here's your $200 for $10,000 a year, and it just becomes a joke at that point.","start":1519.38,"end":1531.295,"sentiment":"neutral","sentiment_score":-0.2464871230285342},{"text":"Good thing is at least getting close to that mortgage being finished.","start":1535.05,"end":1538.35,"sentiment":"positive","sentiment_score":0.4804220075408618},{"text":"So there's less need for having this big lump sum to cover a $700,000 mortgage or anything like that.","start":1538.49,"end":1544.1901,"sentiment":"neutral","sentiment_score":0.261847611712782},{"text":"So if we don't need it, it's that's the balancing act.","start":1544.41,"end":1548.1901,"sentiment":"neutral","sentiment_score":0.12502880936319177}],"sentiment":"neutral","sentiment_score":0.016764166934246368,"num_words":88,"start":1518.42,"end":1548.1901},{"sentences":[{"text":"Yep.","start":1551.5549,"end":1552.0549,"sentiment":"neutral","sentiment_score":0.25598859786987305},{"text":"Yeah.","start":1567.27,"end":1567.67,"sentiment":"neutral","sentiment_score":0.11547867953777312},{"text":"Yeah.","start":1567.67,"end":1567.99,"sentiment":"neutral","sentiment_score":0.019367404282093048},{"text":"That'll definitely help split three lines.","start":1567.99,"end":1569.93,"sentiment":"neutral","sentiment_score":0.05622581702967485},{"text":"Yeah.","start":1576.855,"end":1577.355,"sentiment":"neutral","sentiment_score":0.07303183525800705}],"sentiment":"neutral","sentiment_score":0.08012214191257953,"num_words":10,"start":1551.5549,"end":1577.355},{"sentences":[{"text":"In terms of estate planning, are you happy for sorry.","start":1583.255,"end":1588.31,"sentiment":"neutral","sentiment_score":0.03107224516570568},{"text":"Did you you didn't know putting, like, a will in place or anything like that?","start":1588.31,"end":1591.11,"sentiment":"neutral","sentiment_score":-0.029482344289620717},{"text":"I'm assuming a bit of a busy.","start":1591.11,"end":1592.65,"sentiment":"neutral","sentiment_score":-0.1713512795312064},{"text":"No.","start":1598.87,"end":1599.03,"sentiment":"neutral","sentiment_score":-0.1365431845188141},{"text":"That's fair enough.","start":1599.03,"end":1599.9299,"sentiment":"neutral","sentiment_score":-0.09142678479353587}],"sentiment":"neutral","sentiment_score":-0.04838320023069779,"num_words":36,"start":1583.255,"end":1599.9299},{"sentences":[{"text":"It is one of those impositions where it takes a bit of time.","start":1600.915,"end":1603.635,"sentiment":"neutral","sentiment_score":-0.11696434995302787},{"text":"But in terms of the where everything goes, are you wanting all the soup and the life insurance to go to your wife in in the first step, or where would you prefer that order?","start":1603.635,"end":1614.695,"sentiment":"neutral","sentiment_score":0.003685810416936874},{"text":"Yeah.","start":1619.51,"end":1619.83,"sentiment":"neutral","sentiment_score":0.08064574003219604},{"text":"Because she will have yeah.","start":1619.83,"end":1622.3099,"sentiment":"neutral","sentiment_score":0.02604300444945693},{"text":"She'd have her own beneficiaries and stuff like that.","start":1622.3099,"end":1624.55,"sentiment":"neutral","sentiment_score":0.058442684097422495}],"sentiment":"neutral","sentiment_score":-0.010391877232385533,"num_words":63,"start":1600.915,"end":1624.55},{"sentences":[{"text":"So we'll put it to there first.","start":1624.55,"end":1628.8099,"sentiment":"neutral","sentiment_score":0.09520461090973445},{"text":"And I'll double check that one path should still be there when we get the quotes done.","start":1632.105,"end":1637.1649,"sentiment":"neutral","sentiment_score":0.10289142083595781},{"text":"Alrighty.","start":1642.78,"end":1643.28,"sentiment":"neutral","sentiment_score":0.07024994492530823},{"text":"Chris, outside of that, I just wanted to ask you if there's been any major changes in all the other assets in terms of the vehicles and credit card and everything like that?","start":1643.66,"end":1655.895,"sentiment":"neutral","sentiment_score":0.014582471481072858},{"text":"Yep.","start":1671.16,"end":1671.66,"sentiment":"neutral","sentiment_score":0.08986049145460129}],"sentiment":"neutral","sentiment_score":0.05181217670906335,"num_words":59,"start":1624.55,"end":1671.66},{"sentences":[{"text":"Yep.","start":1677.24,"end":1677.74,"sentiment":"neutral","sentiment_score":0.11732621490955351},{"text":"Yep.","start":1686.695,"end":1687.195,"sentiment":"neutral","sentiment_score":0.11300574243068696},{"text":"And your daughter's got the cruise.","start":1687.655,"end":1689.915,"sentiment":"neutral","sentiment_score":0.12244363625844319},{"text":"Yeah.","start":1694.87,"end":1695.37,"sentiment":"neutral","sentiment_score":0.08248990774154663},{"text":"And just in terms of savings, I think we had about 26,000 in savings off to the side, not including the offset.","start":1702.3099,"end":1708.49,"sentiment":"neutral","sentiment_score":-0.012404527515172958}],"sentiment":"neutral","sentiment_score":0.024986583138665846,"num_words":31,"start":1677.24,"end":1708.49},{"sentences":[{"text":"Yeah.","start":1713.525,"end":1714.025,"sentiment":"neutral","sentiment_score":-0.03863602131605148},{"text":"Put that back up.","start":1715.845,"end":1717.065,"sentiment":"neutral","sentiment_score":-0.05961924046278},{"text":"Okay.","start":1724.02,"end":1724.52,"sentiment":"neutral","sentiment_score":-0.1428348422050476},{"text":"Yeah.","start":1730.82,"end":1731.32,"sentiment":"neutral","sentiment_score":-0.020280787721276283},{"text":"Yeah.","start":1731.62,"end":1732.12,"sentiment":"neutral","sentiment_score":-0.024321025237441063}],"sentiment":"neutral","sentiment_score":-0.058068704791367054,"num_words":8,"start":1713.525,"end":1732.12},{"sentences":[{"text":"Absolutely.","start":1737.7649,"end":1738.2649,"sentiment":"neutral","sentiment_score":0.19609270989894867},{"text":"Alright.","start":1740.965,"end":1741.445,"sentiment":"neutral","sentiment_score":0.24561183154582977},{"text":"So that's all up to date.","start":1741.445,"end":1742.8049,"sentiment":"neutral","sentiment_score":0.30607539415359497},{"text":"Thank you for that.","start":1742.8049,"end":1743.865,"sentiment":"positive","sentiment_score":0.6127300709486008},{"text":"Alright.","start":1747.205,"end":1747.6849,"sentiment":"neutral","sentiment_score":0.2269324362277985}],"sentiment":"positive","sentiment_score":0.38123150972219616,"num_words":13,"start":1737.7649,"end":1747.6849},{"sentences":[{"text":"I pretty much have everything I need.","start":1747.6849,"end":1749.205,"sentiment":"neutral","sentiment_score":0.22751125480447495},{"text":"Is there anything else you guys are focusing on for the next couple of years, or it just build back up the savings, finish up the mortgage, look after the business?","start":1749.205,"end":1756.6001,"sentiment":"neutral","sentiment_score":0.05826177454042819},{"text":"Yep.","start":1756.74,"end":1757.24,"sentiment":"neutral","sentiment_score":0.04548230394721031},{"text":"Awesome.","start":1759.78,"end":1760.28,"sentiment":"positive","sentiment_score":0.36469972133636475},{"text":"Yep.","start":1775.0751,"end":1775.5751,"sentiment":"neutral","sentiment_score":0.20962727069854736}],"sentiment":"neutral","sentiment_score":0.09801227049674929,"num_words":41,"start":1747.6849,"end":1775.5751},{"sentences":[{"text":"Yeah.","start":1781.8099,"end":1782.13,"sentiment":"neutral","sentiment_score":0.18074411153793335},{"text":"Right.","start":1782.13,"end":1782.63,"sentiment":"neutral","sentiment_score":0.15956896543502808},{"text":"$500 a day.","start":1782.85,"end":1784.3099,"sentiment":"neutral","sentiment_score":0.1847553700208664},{"text":"That would be a pretty good weekend.","start":1788.77,"end":1790.3099,"sentiment":"positive","sentiment_score":0.5141237867730004},{"text":"Yeah.","start":1807.4,"end":1807.9,"sentiment":"neutral","sentiment_score":0.1207362413406372}],"sentiment":"positive","sentiment_score":0.35493707198363084,"num_words":13,"start":1781.8099,"end":1807.9},{"sentences":[{"text":"Absolutely.","start":1810.12,"end":1810.62,"sentiment":"neutral","sentiment_score":0.3263276517391205},{"text":"Always in need of good teachers, especially in the main areas.","start":1811.48,"end":1815.74,"sentiment":"neutral","sentiment_score":0.15954821760004217},{"text":"Alrighty.","start":1820.0549,"end":1820.5549,"sentiment":"neutral","sentiment_score":0.32509398460388184},{"text":"So we're looking pretty good there, Chris.","start":1820.775,"end":1823.515,"sentiment":"positive","sentiment_score":0.47094600541251047},{"text":"Alright.","start":1824.2949,"end":1824.775,"sentiment":"neutral","sentiment_score":0.25003159046173096}],"sentiment":"neutral","sentiment_score":0.28348122182346525,"num_words":21,"start":1810.12,"end":1824.775},{"sentences":[{"text":"I'll take this away with the team and put together that updated document research and plan for you.","start":1824.775,"end":1831.755,"sentiment":"neutral","sentiment_score":0.21314394308461082},{"text":"Just keep an ear out possibly in I've just come back from paternity leave myself, so I've been booked out for a couple of weeks.","start":1833.0199,"end":1840.1599,"sentiment":"neutral","sentiment_score":0.21212102085351944},{"text":"Thank you.","start":1841.34,"end":1842.08,"sentiment":"positive","sentiment_score":0.5484392940998077},{"text":"Number three, so two boys and now a young daughter to add to it.","start":1842.1399,"end":1846.155,"sentiment":"neutral","sentiment_score":0.23533553523676737},{"text":"Yeah.","start":1850.555,"end":1851.055,"sentiment":"neutral","sentiment_score":0.057891204953193665}],"sentiment":"neutral","sentiment_score":0.22648472972214223,"num_words":60,"start":1824.775,"end":1851.055},{"sentences":[{"text":"She is.","start":1851.275,"end":1852.015,"sentiment":"neutral","sentiment_score":0.021494810469448566},{"text":"You're alright, Chris, but but she's she's happy not the outnumbered.","start":1856.0751,"end":1858.975,"sentiment":"neutral","sentiment_score":0.032376583496277984},{"text":"We'll say that.","start":1859.275,"end":1860.15,"sentiment":"neutral","sentiment_score":0.006070303216498966},{"text":"Yep.","start":1865.03,"end":1865.53,"sentiment":"neutral","sentiment_score":0.036255352199077606},{"text":"I can tell.","start":1865.59,"end":1866.49,"sentiment":"neutral","sentiment_score":0.0304737389087677}],"sentiment":"neutral","sentiment_score":0.027250975898641627,"num_words":20,"start":1851.275,"end":1866.49},{"sentences":[{"text":"I can tell.","start":1866.7101,"end":1867.61,"sentiment":"neutral","sentiment_score":0.035425880923867226},{"text":"And you've helped them with the cars and everything, so I imagine their father is quite helpful.","start":1868.0701,"end":1873.77,"sentiment":"neutral","sentiment_score":0.0542728734367034},{"text":"Yeah.","start":1877.535,"end":1878.035,"sentiment":"neutral","sentiment_score":0.0012132208794355392},{"text":"They now have to stand on their own two feet.","start":1879.135,"end":1881.0751,"sentiment":"neutral","sentiment_score":-0.0498285211622715},{"text":"Yep.","start":1894.9901,"end":1895.4901,"sentiment":"neutral","sentiment_score":0.2621537148952484}],"sentiment":"neutral","sentiment_score":0.024812444229610264,"num_words":32,"start":1866.7101,"end":1895.4901},{"sentences":[{"text":"Awesome.","start":1901.165,"end":1901.665,"sentiment":"positive","sentiment_score":0.5503373146057129},{"text":"Been teaching them.","start":1901.9651,"end":1903.1051,"sentiment":"neutral","sentiment_score":0.020637812713781994},{"text":"Yeah.","start":1908.2051,"end":1908.7051,"sentiment":"neutral","sentiment_score":0.14368213713169098},{"text":"Oh, fantastic.","start":1909.3251,"end":1910.0651,"sentiment":"positive","sentiment_score":0.5280270427465439},{"text":"Especially in this economy.","start":1910.125,"end":1911.665,"sentiment":"neutral","sentiment_score":0.26098836213350296}],"sentiment":"neutral","sentiment_score":0.2596309476278045,"num_words":11,"start":1901.165,"end":1911.665},{"sentences":[{"text":"Most people are just stuck in the mud at the moment, so I'm glad to hear they're doing well.","start":1911.7251,"end":1915.91,"sentiment":"neutral","sentiment_score":0.1695663466265327},{"text":"Wow.","start":1919.41,"end":1919.91,"sentiment":"neutral","sentiment_score":0.16680872440338135},{"text":"Alrighty.","start":1926.545,"end":1927.045,"sentiment":"neutral","sentiment_score":0.13011273741722107},{"text":"Yeah.","start":1929.265,"end":1929.765,"sentiment":"neutral","sentiment_score":0.03886669501662254},{"text":"Chris, I think I've got everything up to date.","start":1932.0651,"end":1935.425,"sentiment":"neutral","sentiment_score":0.04196281979481379}],"sentiment":"neutral","sentiment_score":0.12694239099660226,"num_words":31,"start":1911.7251,"end":1935.425},{"sentences":[{"text":"You haven't randomly changed address, I'm assuming.","start":1935.425,"end":1937.685,"sentiment":"neutral","sentiment_score":-0.0034352208354643415},{"text":"Palestine Court's still the main one.","start":1937.825,"end":1939.83,"sentiment":"neutral","sentiment_score":-0.03763482936968406},{"text":"Yep.","start":1940.3099,"end":1940.8099,"sentiment":"neutral","sentiment_score":0.014554227702319622},{"text":"Yep.","start":1948.39,"end":1948.89,"sentiment":"neutral","sentiment_score":0.009958080016076565},{"text":"Okay.","start":1948.95,"end":1949.45,"sentiment":"neutral","sentiment_score":-0.0029835104942321777}],"sentiment":"neutral","sentiment_score":-0.014270420302636921,"num_words":16,"start":1935.425,"end":1949.45},{"sentences":[{"text":"Aged care advice to come down the line.","start":1950.95,"end":1953.0499,"sentiment":"neutral","sentiment_score":-0.03814322024118155},{"text":"Yeah.","start":1953.345,"end":1953.705,"sentiment":"neutral","sentiment_score":-0.0002779783681035042},{"text":"No.","start":1953.705,"end":1954.065,"sentiment":"neutral","sentiment_score":-0.02720701135694981},{"text":"That's true.","start":1954.065,"end":1954.8049,"sentiment":"neutral","sentiment_score":0.016256077215075493},{"text":"And given that you've still got a BigPond email, I'm assuming that's still current and okay.","start":1955.985,"end":1960.725,"sentiment":"neutral","sentiment_score":0.026840385573450476}],"sentiment":"neutral","sentiment_score":0.004618841855387602,"num_words":28,"start":1950.95,"end":1960.725},{"sentences":[{"text":"Perfect.","start":1963.4249,"end":1963.745,"sentiment":"positive","sentiment_score":0.3964571952819824},{"text":"Just like my my uncle and my grandparents, everything's off the old BigPond.","start":1963.745,"end":1967.525,"sentiment":"neutral","sentiment_score":0.10065392118233901},{"text":"Then I go to the elder sibling, my parents, and everyone's got a Hotmail address, and everyone's on the old Gmail.","start":1967.98,"end":1975.1799,"sentiment":"neutral","sentiment_score":0.03997250318172432},{"text":"It's just a generational thing, which email address people have.","start":1975.1799,"end":1978.3999,"sentiment":"neutral","sentiment_score":0.03700929209589958},{"text":"Yeah.","start":1986.8151,"end":1987.3151,"sentiment":"neutral","sentiment_score":0.019656093791127205}],"sentiment":"neutral","sentiment_score":0.0637854293960592,"num_words":46,"start":1963.4249,"end":1987.3151},{"sentences":[{"text":"And they're always Yeah.","start":1988.415,"end":1994.51,"sentiment":"neutral","sentiment_score":-0.04448175756260753},{"text":"And it's also probably not not as safe as the big ponds too.","start":1994.51,"end":1998.2699,"sentiment":"neutral","sentiment_score":-0.1206612056837632},{"text":"Telstra is pretty on the spot when it comes to cybersecurity these days after all the things that have happened in the last five years.","start":1998.2699,"end":2004.2899,"sentiment":"neutral","sentiment_score":-0.13220743983983993},{"text":"Yeah.","start":2012.625,"end":2012.985,"sentiment":"neutral","sentiment_score":-0.07823148369789124},{"text":"I imagine.","start":2012.985,"end":2013.845,"sentiment":"neutral","sentiment_score":-0.06913533806800842}],"sentiment":"neutral","sentiment_score":-0.1170713524437613,"num_words":45,"start":1988.415,"end":2013.845},{"sentences":[{"text":"National news.","start":2014.5449,"end":2015.6849,"sentiment":"neutral","sentiment_score":-0.05368022248148918},{"text":"Yeah.","start":2022.3201,"end":2022.8201,"sentiment":"neutral","sentiment_score":-0.015813197940587997},{"text":"It was crazy.","start":2023.6,"end":2024.24,"sentiment":"neutral","sentiment_score":-0.04324528078238169},{"text":"We we came in and ours was okay, but most of our clients nationwide were out for the morning.","start":2024.24,"end":2030.98,"sentiment":"neutral","sentiment_score":-0.02149615721090844},{"text":"So you can imagine, I think we had about a 170 people booked in for various discussions, and I think we spoke to about 25 that day.","start":2031.28,"end":2039.655,"sentiment":"neutral","sentiment_score":0.009118750484453307}],"sentiment":"neutral","sentiment_score":-0.007983273253417932,"num_words":52,"start":2014.5449,"end":2039.655},{"sentences":[{"text":"Yep.","start":2045.3151,"end":2045.8151,"sentiment":"neutral","sentiment_score":0.05367256700992584},{"text":"Oh, jeez.","start":2054.16,"end":2054.74,"sentiment":"neutral","sentiment_score":-0.07434691116213799},{"text":"And these days, people don't have a reference in the car or anything like that.","start":2058.4,"end":2061.825,"sentiment":"neutral","sentiment_score":-0.16082578748464585},{"text":"Alrighty.","start":2067.585,"end":2068.085,"sentiment":"neutral","sentiment_score":0.2135816514492035},{"text":"Alright, Chris.","start":2070.7048,"end":2071.425,"sentiment":"positive","sentiment_score":0.3944445997476578}],"sentiment":"neutral","sentiment_score":-0.07166367698283423,"num_words":21,"start":2045.3151,"end":2071.425},{"sentences":[{"text":"I've got everything sorted, ready to go.","start":2071.425,"end":2073.685,"sentiment":"positive","sentiment_score":0.5683301942689079},{"text":"I better let you enjoy your weekend there unless there's anything else I can help with today.","start":2073.905,"end":2078.6199,"sentiment":"positive","sentiment_score":0.5861638276016011},{"text":"K.","start":2088.2952,"end":2088.7952,"sentiment":"neutral","sentiment_score":0.05408092588186264},{"text":"Yeah.","start":2089.895,"end":2090.395,"sentiment":"neutral","sentiment_score":0.12024074792861938},{"text":"Yeah.","start":2107.16,"end":2107.5598,"sentiment":"neutral","sentiment_score":-0.002415943890810013}],"sentiment":"positive","sentiment_score":0.522777857741824,"num_words":27,"start":2071.425,"end":2107.5598},{"sentences":[{"text":"And the the most frustrating thing about that is that when I look at our portfolios, all the long term five, ten year performance is kind of the most of them, top 2% in the country.","start":2107.5598,"end":2119.945,"sentiment":"neutral","sentiment_score":-0.15354645148747498},{"text":"And very, very impressive even when I first came to IPO.","start":2120.325,"end":2123.365,"sentiment":"positive","sentiment_score":0.3446037931875749},{"text":"I was very impressed with their portfolios, and all that's been happening in the last five years is just news article after news article.","start":2123.365,"end":2132.12,"sentiment":"neutral","sentiment_score":0.2248511885603269},{"text":"Normally, you get a, you know, a good five to seven years where everything kind of grows for a while before there's a GFC or a .com bubble.","start":2132.82,"end":2139.56,"sentiment":"neutral","sentiment_score":-0.05761630194527762},{"text":"But lately, there just seems to be something every year or two that seems to blow up around the world.","start":2139.7852,"end":2144.585,"sentiment":"neutral","sentiment_score":-0.2960613675415516}],"sentiment":"neutral","sentiment_score":-0.03256374628854399,"num_words":119,"start":2107.5598,"end":2144.585},{"sentences":[{"text":"So it's been a not the best of periods, but hopefully, they settle down next year.","start":2144.585,"end":2152.925,"sentiment":"neutral","sentiment_score":-0.25828800071030855},{"text":"And either way, let's say look.","start":2157.71,"end":2161.6301,"sentiment":"neutral","sentiment_score":0.05706252406040827},{"text":"This is a future thing.","start":2161.6301,"end":2162.85,"sentiment":"neutral","sentiment_score":0.09527091979980469},{"text":"Let's say we get you to 60 where you hit your preservation edge to access a super.","start":2162.9102,"end":2167.1702,"sentiment":"neutral","sentiment_score":0.10762499470044584},{"text":"If we're still trying to get it going as much as we can, we'll do transition to retirement strategy with you to bump up the contributions, you know, pull out a little bit, put it back in for a tax deduction.","start":2167.635,"end":2179.955,"sentiment":"neutral","sentiment_score":0.10503777589012937}],"sentiment":"neutral","sentiment_score":0.03320347592234611,"num_words":85,"start":2144.585,"end":2179.955},{"sentences":[{"text":"So there's a few things we can do down the line, but this is just trying to get it back going positive for the next five years.","start":2179.955,"end":2186.71,"sentiment":"neutral","sentiment_score":0.14893356876240837},{"text":"And then when we get the other options available, I'll be running you through them straight away.","start":2186.71,"end":2191.6099,"sentiment":"neutral","sentiment_score":0.16713818951564677},{"text":"Awesome, Chris.","start":2195.125,"end":2195.945,"sentiment":"positive","sentiment_score":0.5720600038766861},{"text":"Mate, thank you very much for your time today.","start":2196.0852,"end":2198.0852,"sentiment":"positive","sentiment_score":0.7226225468847487},{"text":"I appreciate it bouncing between the car and the phone.","start":2198.0852,"end":2200.5051,"sentiment":"positive","sentiment_score":0.4476296424865723}],"sentiment":"neutral","sentiment_score":0.2921011528143516,"num_words":65,"start":2179.955,"end":2200.5051},{"sentences":[{"text":"No worries.","start":2202.0852,"end":2202.8252,"sentiment":"neutral","sentiment_score":0.24055089056491852},{"text":"And just keep an ear out in a couple of weeks for the team to book you in with me once that plan's pretty well finished, and I look forward to seeing what we can come up with for you.","start":2203.125,"end":2215.76,"sentiment":"positive","sentiment_score":0.4264841049909592},{"text":"Awesome, Chris.","start":2215.76,"end":2216.3198,"sentiment":"positive","sentiment_score":0.8254931569099426},{"text":"Have a great weekend, mate.","start":2216.3198,"end":2217.6199,"sentiment":"positive","sentiment_score":0.8198622345924378},{"text":"Thank you.","start":2220.16,"end":2220.72,"sentiment":"positive","sentiment_score":0.6004675328731537}],"sentiment":"positive","sentiment_score":0.4802293830058154,"num_words":51,"start":2202.0852,"end":2220.72},{"sentences":[{"text":"Bye.","start":2220.72,"end":2221.22,"sentiment":"neutral","sentiment_score":-0.09836912155151369}],"sentiment":"neutral","sentiment_score":-0.09836912155151369,"num_words":1,"start":2220.72,"end":2221.22}]}}]},{"alternatives":[{"transcript":"Hello? I'm glad you're living the dream. Yeah. Yes. Yep. Yep. Yeah. Just give me thirty seconds because that's the moment I've got you running through my head, please. And I'll just put you straight to the car. Yep. Ziggy. Yep. That's very, very, very true. Yep. Yes. Yep. Yeah. Yeah. Yeah. No. Our mortgage is we probably owe owe about yeah. That might be only owe about $2.50. And we're also at $2.20, I think it is now. You ready for? Yes. We'll put it yeah. We'll we'll put it this way. We were paying I think we're paying 2,000 a month for the mortgage itself. And we're saving about about we're only paying $80 a month. Yeah. But but it's not all just sent itself through because when Trump wants something stupid, stop by the cops. No. No. Yeah. The premium only comes out once a year, though. That's the thing. Where I noticed it was up to 69,000 before top to decide to go issue the bomb over and around, but, you know, Well, if you know Trump's gonna do something, still the shares. I've been following up regardless. That's what it read out. Yeah. But it's always the premium's always going up, but also the amount I've insured for is going up as well. Hypothetically yeah. So I I know one year, you you kept it in about 300, and it dropped it by almost half. So it doesn't have to have an index to it. It could be the same amount each year I don't care. Say 400,000. You can be set it up for the next ten years I don't care. And that way, the premium doesn't keep going up either. Yep. Yep. Yep. Oh, that's fine. Well, I keep saying that I'm gonna do it, but it never happens. But the to the ATO probably gonna start making contributions will I pay myself as such. So I'm gonna talk to the account on it and see how we break that. But see, I don't get really afraid. I don't get my I don't get my tax return until the end of the financial year. So I don't pay I'm paying a $500 a week at the moment, because that's just the one I said someone else could buy. You can get your family allowance. And so she was also sure I get the same sort of money. I paid with it each week or each or each month, whatever, which way you wanna do it. Yeah. Yep. Yep. Look. I really wanna just say at the moment is I can send $10 a week into it. That'd be lovely. But I but I keep forgetting to do anything about it. That's my problem. Okay. So I chat. Yep. Yep. Sounds good. Now a quick question. What I know it's what are we gonna pay now? Living percent on our what we get paid each year? Yeah. What what I was saying, maybe if we work it out with 12% is out of 25,000, then maybe we could put that in. How would that work? I got would that work better? Let me try not to upset the meeting. Okay. Probably a little bit higher than what I thought it was, if that's right. Alright. Let's let's start it off at twenty, and I can always put it up as time goes on. How about Yep. No. Because what it is, I don't have any other source of income. I just, basically, whatever income's left, my account puts it through as me paying as an income. And then, for example, if it's not not pulling me up to $10, I don't know. But yeah. So Yep. No. That wouldn't be that much. Give me that too. Not that much. Yep. Okay. Diana. But one's one's one's the second store. Yep. Okay. Yes. Okay. Well, we should've I'm sorry. I don't understand how it all works. Hang on one second. No. No. You're I'm just I I I did something that I wasn't supposed to do. I've actually pulled up another job, but I'm just going to transfer you back to the earpiece. I believe you're there. Yep. Yeah. You're right. I'm just because as soon as I get out of the the vehicle, it'll probably transfer me back to the vehicle. So I'll just disconnect myself. Yep. That's it. Now I shouldn't have any issues. Yep. It's it's amazing with technology how much stuff you've gotta do to keep yourself connected or disconnected to make it all work. Because yeah. Yeah. And sometimes I forget my phone and oops. Forgot that. Better. Pay that back. I'm gonna I'm gonna go back towards the phone. Yeah. Yeah. Hang on. No. No. You alright? Oh, sorry. Yep. Yep. Yep. Yep. Okay. Yep. Okay. Yeah. We might do that. That that sounds good. Yep. Yep. No. Not really. But we as you said, we seem to get some really good gains and then we get shot in the foot by stupid decisions by governments and then absolutely go totally the wrong way with it. That makes sense. But I'm not look. As I said, I see it perform, and then I lose it all when, as I said, when someone makes a bad decision in government, then it drops whatever it is, 10%, the shares. And then and then they take it out. As you said, it's like a double whammy. So there's $10 off that and put 15. So, really quick. Excuse me. I could have $15 extra in my account each. Yeah. Yep. Yep. Yep. Yep. Yeah. I would yeah. Yeah. Yeah. I I understand all that, and I'm happy with that. But you're saying if we put it into a bubble, which could be shifted in and out without too many fees and without like, if so if it starts to go down, you can pull it out and hold it. And then once it stops, go back into it with the lower thing and buy obviously, buy more sheets. And then once it goes up again, you see the guide? That's oh, that doesn't what happened? Okay. Okay. Yep. Okay. Yep. Yep. Oh, no. That but that's with everything. Yeah. But that's with everything. You you never you never get a 100% back on other things. As I said to I think originally, I should have put up everything in Bitcoin. I'd be a millionaire almost by now. Yeah. Well, yeah. Yeah. Well but, you know, it was down something like 15,000 or something like that for per coin. So but now the highest for wanna get up to about a 130? Yeah. So yeah. So it you're still you're still well in front if that makes any sense at this point in time. So but then but you guys weren't geared to do that back then. I don't know if you are now. Yes. Yes. Yeah. No. I understand that. Understand it, totally. Yep. Well, look, whatever you come up with, I'm happy with whatever. And I still gotta send the paperwork. I still gotta sign it, send it back, and give it all the approval scenario. But, yeah, whatever you whatever you're fine and do, I'm more than happy with that because even though when I was with Australian Super, my it actually keep growing every year except for the last year I was in. And that started out at $30,000. And that was, what, twenty years ago. That was somebody through Australian Super. They said, well, you should do this. And I said, alright. Okay. But it was only $121,200 dollars for this initial first time for the insurance. Oh, this is pretty good. And then I looked at it and it went up pretty quick. Yep. Yeah. No. If you're gonna pay $20, I I want at least 20,000,000. Yeah. No. That's right. Yep. Now, as I said, the mortgage is about 250. If I can keep it around 3 100, and the lower we get it, the quicker we get it. And if it well, it gives the girls a bit of a a secure living for the rest of their lives. So, you know, gives them a bit of a head start even though my eldest is yeah. My my eldest is married now and got her own home, but the other two is still at home. And the youngest is still doing a VCE this year. So even though she is 18 no. My wife and I keep meaning to do it, but we never get around to it. They probably go to the wife first then to the kids afterwards. She'll she'll be the same. No. I don't believe so. What have we got? The last well, we had the Everest. We still got that, which is in, theoretically, the company's name, but that's the Watts car. I bought another vehicle for work, a Ford Transit, a cab chassis, and put a box on the back of it. So let me see what the VE wagon and the Toyota Huayas. I do I do get dad's car, yeah, which is registered in my name as well. I think that's it. It's dropped a little bit. Nothing that's around about 12, but we're trying to build that back up. Because, yeah, because Liz's mom passed away in April. So we spent a bit of money between that and with other things. But we know we'll get that back later. So No. I just build basically. Yeah. And look, I think Liz is probably as soon as Charlie finishes school, she might drop a a day or two, but then she can also do what they call emergency teaching. And it works that she gets $500 a day with no responsibility. Just go and teach the kids. Yeah. And she well, put it this way, and she wouldn't have trouble getting a job either or getting well, getting she has a she's a teacher, but they call her in, and she wouldn't have trouble getting work on days that she wants to work. Does that make sense? Yes. Yep. Congratulations. Congratulations. Your wife will be as happy. It's it's all get out. Oh, so I'm trying to I'm trying to keep it clean here when I Well, I'm I'm the opposite. I'm that number with all the girls. Yeah. I've helped them with it, but they but they but they paid for them themselves. They've put they worked hard and put yeah. They've my one that's doing second year uni now, she's paid for the cruise. We we've paid for it initially, but she's paid us back for that. Already, she did that in under twelve months, and she's a great saver. She didn't have the if she didn't have the car, she'd probably have maybe $20.30 grand in the bank. And she's 19. So Yeah. So she knows how to save. No. Yeah. If we ever change address, it'll be I I believe it'll be going into a nursing home. My wife doesn't like change. Right. Yep. Yep. Yeah. Well well, just big fun because it's just easy when I when I set it up. I've got a I've got a Gmail account, but I don't I can't log in to it. Let me log in to it. So yes. I I believe they're pretty pissed off that they had that outage too a couple of weeks ago. Yes. That that was across the country. Yeah. Well, that was the same. My daughter and I, we were in Mildura, and we had our we had all our services. And the nurses that come in to see the auntie, they didn't have phones or nothing. No. No. So yeah. Oh, if you see anything that we can look if it needs to be more aggressive or what have you, I'm happy to do whatever you think is the best way to go to keep it growing. So so so far, I can't complain. I said it always seems to grow, but then someone does something stupid and it drops, but that's just part and parcel of it. But if it that didn't drop, I'd still I'm probably be closer to $80,000 now in there. Yep. Yep. No. Same. Yes. Hope so. Okay. Not beautiful. No worries. No. Thank you. Yep. Yep. No worries. Beautiful. You too. 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I'm glad you're living the dream. Yeah. Yes. Yep.\n\nYep. Yeah. Just give me thirty seconds because that's the moment I've got you running through my head, please. And I'll just put you straight to the car. Yep.\n\nZiggy. Yep. That's very, very, very true. Yep. Yes.\n\nYep. Yeah. Yeah. Yeah. No.\n\nOur mortgage is we probably owe owe about yeah. That might be only owe about $2.50. And we're also at $2.20, I think it is now. You ready for? Yes.\n\nWe'll put it yeah. We'll we'll put it this way. We were paying I think we're paying 2,000 a month for the mortgage itself. And we're saving about about we're only paying $80 a month. Yeah.\n\nBut but it's not all just sent itself through because when Trump wants something stupid, stop by the cops. No. No. Yeah. The premium only comes out once a year, though.\n\nThat's the thing. Where I noticed it was up to 69,000 before top to decide to go issue the bomb over and around, but, you know, Well, if you know Trump's gonna do something, still the shares. I've been following up regardless. That's what it read out. Yeah.\n\nBut it's always the premium's always going up, but also the amount I've insured for is going up as well. Hypothetically yeah. So I I know one year, you you kept it in about 300, and it dropped it by almost half. So it doesn't have to have an index to it. It could be the same amount each year I don't care.\n\nSay 400,000. You can be set it up for the next ten years I don't care. And that way, the premium doesn't keep going up either. Yep. Yep.\n\nYep. Oh, that's fine. Well, I keep saying that I'm gonna do it, but it never happens. But the to the ATO probably gonna start making contributions will I pay myself as such. So I'm gonna talk to the account on it and see how we break that.\n\nBut see, I don't get really afraid. I don't get my I don't get my tax return until the end of the financial year. So I don't pay I'm paying a $500 a week at the moment, because that's just the one I said someone else could buy. You can get your family allowance. And so she was also sure I get the same sort of money.\n\nI paid with it each week or each or each month, whatever, which way you wanna do it. Yeah. Yep. Yep. Look.\n\nI really wanna just say at the moment is I can send $10 a week into it. That'd be lovely. But I but I keep forgetting to do anything about it. That's my problem. Okay.\n\nSo I chat. Yep. Yep. Sounds good. Now a quick question.\n\nWhat I know it's what are we gonna pay now? Living percent on our what we get paid each year? Yeah. What what I was saying, maybe if we work it out with 12% is out of 25,000, then maybe we could put that in. How would that work?\n\nI got would that work better? Let me try not to upset the meeting. Okay. Probably a little bit higher than what I thought it was, if that's right. Alright.\n\nLet's let's start it off at twenty, and I can always put it up as time goes on. How about Yep. No. Because what it is, I don't have any other source of income. I just, basically, whatever income's left, my account puts it through as me paying as an income.\n\nAnd then, for example, if it's not not pulling me up to $10, I don't know. But yeah. So Yep. No. That wouldn't be that much.\n\nGive me that too. Not that much. Yep. Okay. Diana.\n\nBut one's one's one's the second store. Yep. Okay. Yes. Okay.\n\nWell, we should've I'm sorry. I don't understand how it all works. Hang on one second. No. No.\n\nYou're I'm just I I I did something that I wasn't supposed to do. I've actually pulled up another job, but I'm just going to transfer you back to the earpiece. I believe you're there. Yep. Yeah.\n\nYou're right. I'm just because as soon as I get out of the the vehicle, it'll probably transfer me back to the vehicle. So I'll just disconnect myself. Yep. That's it.\n\nNow I shouldn't have any issues. Yep. It's it's amazing with technology how much stuff you've gotta do to keep yourself connected or disconnected to make it all work. Because yeah. Yeah.\n\nAnd sometimes I forget my phone and oops. Forgot that. Better. Pay that back. I'm gonna I'm gonna go back towards the phone.\n\nYeah. Yeah. Hang on. No. No.\n\nYou alright? Oh, sorry. Yep. Yep. Yep.\n\nYep. Okay. Yep. Okay. Yeah.\n\nWe might do that. That that sounds good. Yep. Yep. No.\n\nNot really. But we as you said, we seem to get some really good gains and then we get shot in the foot by stupid decisions by governments and then absolutely go totally the wrong way with it. That makes sense. But I'm not look. As I said, I see it perform, and then I lose it all when, as I said, when someone makes a bad decision in government, then it drops whatever it is, 10%, the shares.\n\nAnd then and then they take it out. As you said, it's like a double whammy. So there's $10 off that and put 15. So, really quick. Excuse me.\n\nI could have $15 extra in my account each. Yeah. Yep. Yep. Yep.\n\nYep. Yeah. I would yeah. Yeah. Yeah.\n\nI I understand all that, and I'm happy with that. But you're saying if we put it into a bubble, which could be shifted in and out without too many fees and without like, if so if it starts to go down, you can pull it out and hold it. And then once it stops, go back into it with the lower thing and buy obviously, buy more sheets. And then once it goes up again, you see the guide? That's oh, that doesn't what happened?\n\nOkay. Okay. Yep. Okay. Yep.\n\nYep. Oh, no. That but that's with everything. Yeah. But that's with everything.\n\nYou you never you never get a 100% back on other things. As I said to I think originally, I should have put up everything in Bitcoin. I'd be a millionaire almost by now. Yeah. Well, yeah.\n\nYeah. Well but, you know, it was down something like 15,000 or something like that for per coin. So but now the highest for wanna get up to about a 130? Yeah. So yeah.\n\nSo it you're still you're still well in front if that makes any sense at this point in time. So but then but you guys weren't geared to do that back then. I don't know if you are now. Yes. Yes.\n\nYeah. No. I understand that. Understand it, totally. Yep.\n\nWell, look, whatever you come up with, I'm happy with whatever. And I still gotta send the paperwork. I still gotta sign it, send it back, and give it all the approval scenario. But, yeah, whatever you whatever you're fine and do, I'm more than happy with that because even though when I was with Australian Super, my it actually keep growing every year except for the last year I was in. And that started out at $30,000.\n\nAnd that was, what, twenty years ago. That was somebody through Australian Super. They said, well, you should do this. And I said, alright. Okay.\n\nBut it was only $121,200 dollars for this initial first time for the insurance. Oh, this is pretty good. And then I looked at it and it went up pretty quick. Yep. Yeah.\n\nNo. If you're gonna pay $20, I I want at least 20,000,000. Yeah. No. That's right.\n\nYep. Now, as I said, the mortgage is about 250. If I can keep it around 3 100, and the lower we get it, the quicker we get it. And if it well, it gives the girls a bit of a a secure living for the rest of their lives. So, you know, gives them a bit of a head start even though my eldest is yeah.\n\nMy my eldest is married now and got her own home, but the other two is still at home. And the youngest is still doing a VCE this year. So even though she is 18 no. My wife and I keep meaning to do it, but we never get around to it. They probably go to the wife first then to the kids afterwards.\n\nShe'll she'll be the same. No. I don't believe so. What have we got? The last well, we had the Everest.\n\nWe still got that, which is in, theoretically, the company's name, but that's the Watts car. I bought another vehicle for work, a Ford Transit, a cab chassis, and put a box on the back of it. So let me see what the VE wagon and the Toyota Huayas. I do I do get dad's car, yeah, which is registered in my name as well. I think that's it.\n\nIt's dropped a little bit. Nothing that's around about 12, but we're trying to build that back up. Because, yeah, because Liz's mom passed away in April. So we spent a bit of money between that and with other things. But we know we'll get that back later.\n\nSo No. I just build basically. Yeah. And look, I think Liz is probably as soon as Charlie finishes school, she might drop a a day or two, but then she can also do what they call emergency teaching. And it works that she gets $500 a day with no responsibility.\n\nJust go and teach the kids. Yeah. And she well, put it this way, and she wouldn't have trouble getting a job either or getting well, getting she has a she's a teacher, but they call her in, and she wouldn't have trouble getting work on days that she wants to work. Does that make sense? Yes.\n\nYep. Congratulations. Congratulations. Your wife will be as happy. It's it's all get out.\n\nOh, so I'm trying to I'm trying to keep it clean here when I Well, I'm I'm the opposite. I'm that number with all the girls. Yeah. I've helped them with it, but they but they but they paid for them themselves. They've put they worked hard and put yeah.\n\nThey've my one that's doing second year uni now, she's paid for the cruise. We we've paid for it initially, but she's paid us back for that. Already, she did that in under twelve months, and she's a great saver. She didn't have the if she didn't have the car, she'd probably have maybe $20.30 grand in the bank. And she's 19.\n\nSo Yeah. So she knows how to save. No. Yeah. If we ever change address, it'll be I I believe it'll be going into a nursing home.\n\nMy wife doesn't like change. Right. Yep. Yep. Yeah.\n\nWell well, just big fun because it's just easy when I when I set it up. I've got a I've got a Gmail account, but I don't I can't log in to it. Let me log in to it. So yes. I I believe they're pretty pissed off that they had that outage too a couple of weeks ago.\n\nYes. That that was across the country. Yeah. Well, that was the same. My daughter and I, we were in Mildura, and we had our we had all our services.\n\nAnd the nurses that come in to see the auntie, they didn't have phones or nothing. No. No. So yeah. Oh, if you see anything that we can look if it needs to be more aggressive or what have you, I'm happy to do whatever you think is the best way to go to keep it growing.\n\nSo so so far, I can't complain. I said it always seems to grow, but then someone does something stupid and it drops, but that's just part and parcel of it. But if it that didn't drop, I'd still I'm probably be closer to $80,000 now in there. Yep. Yep.\n\nNo. Same. Yes. Hope so. Okay.\n\nNot beautiful. No worries. No. Thank you. Yep.\n\nYep. No worries. Beautiful. You too. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.08,"end":0.58,"sentiment":"neutral","sentiment_score":0.03340922296047211},{"text":"I'm glad you're living the dream.","start":14.895,"end":16.435001,"sentiment":"positive","sentiment_score":0.7910718023777008},{"text":"Yeah.","start":22.975,"end":23.475,"sentiment":"neutral","sentiment_score":0.10551054775714874},{"text":"Yes.","start":25.695,"end":26.195,"sentiment":"neutral","sentiment_score":0.12182379513978958},{"text":"Yep.","start":31.0,"end":31.5,"sentiment":"neutral","sentiment_score":-0.04882577061653137}],"sentiment":"positive","sentiment_score":0.4958348609507084,"num_words":10,"start":0.08,"end":31.5},{"sentences":[{"text":"Yep.","start":40.44,"end":40.94,"sentiment":"neutral","sentiment_score":-0.0017234981060028076},{"text":"Yeah.","start":43.325,"end":43.725002,"sentiment":"neutral","sentiment_score":0.005580500699579716},{"text":"Just give me thirty seconds because that's the moment I've got you running through my head, please.","start":43.725002,"end":50.065002,"sentiment":"neutral","sentiment_score":-0.023149201208177733},{"text":"And I'll just put you straight to the car.","start":51.885002,"end":55.62,"sentiment":"neutral","sentiment_score":0.006909868059058984},{"text":"Yep.","start":64.88,"end":65.38,"sentiment":"neutral","sentiment_score":0.10527991503477097}],"sentiment":"neutral","sentiment_score":-0.007662437599280785,"num_words":29,"start":40.44,"end":65.38},{"sentences":[{"text":"Ziggy.","start":80.9,"end":81.4,"sentiment":"neutral","sentiment_score":-0.00965636782348156},{"text":"Yep.","start":86.26,"end":86.76,"sentiment":"neutral","sentiment_score":0.06858139485120773},{"text":"That's very, very, very true.","start":104.48,"end":106.66,"sentiment":"neutral","sentiment_score":-0.06096625253558159},{"text":"Yep.","start":124.354996,"end":124.854996,"sentiment":"neutral","sentiment_score":-0.04239417240023613},{"text":"Yes.","start":132.995,"end":133.495,"sentiment":"neutral","sentiment_score":-0.08950486779212952}],"sentiment":"neutral","sentiment_score":-0.04197836398250527,"num_words":9,"start":80.9,"end":133.495},{"sentences":[{"text":"Yep.","start":155.115,"end":155.615,"sentiment":"neutral","sentiment_score":-0.0548650324344635},{"text":"Yeah.","start":173.65999,"end":173.9,"sentiment":"neutral","sentiment_score":0.018424607813358307},{"text":"Yeah.","start":173.9,"end":174.4,"sentiment":"neutral","sentiment_score":0.10830514132976532},{"text":"Yeah.","start":190.185,"end":190.685,"sentiment":"neutral","sentiment_score":0.15251559019088745},{"text":"No.","start":214.085,"end":214.585,"sentiment":"neutral","sentiment_score":-0.18262909352779388}],"sentiment":"neutral","sentiment_score":0.00835024267435074,"num_words":5,"start":155.115,"end":214.585},{"sentences":[{"text":"Our mortgage is we probably owe owe about yeah.","start":215.925,"end":228.98,"sentiment":"neutral","sentiment_score":-0.16253783057133356},{"text":"That might be only owe about $2.50.","start":228.98,"end":231.0,"sentiment":"neutral","sentiment_score":-0.14188343286514282},{"text":"And we're also at $2.20, I think it is now.","start":232.595,"end":235.895,"sentiment":"neutral","sentiment_score":0.03761824779212475},{"text":"You ready for?","start":240.435,"end":241.155,"sentiment":"neutral","sentiment_score":0.0597315343717734},{"text":"Yes.","start":241.155,"end":241.655,"sentiment":"neutral","sentiment_score":0.1097516417503357}],"sentiment":"neutral","sentiment_score":-0.05969652608036995,"num_words":30,"start":215.925,"end":241.655},{"sentences":[{"text":"We'll put it yeah.","start":247.79,"end":249.06999,"sentiment":"neutral","sentiment_score":0.1550137773156166},{"text":"We'll we'll put it this way.","start":249.06999,"end":250.43,"sentiment":"neutral","sentiment_score":0.13780083631475767},{"text":"We were paying I think we're paying 2,000 a month for the mortgage itself.","start":250.43,"end":261.705,"sentiment":"neutral","sentiment_score":0.12486378901771136},{"text":"And we're saving about about we're only paying $80 a month.","start":262.32498,"end":272.425,"sentiment":"neutral","sentiment_score":0.15809075940739026},{"text":"Yeah.","start":311.22998,"end":311.55,"sentiment":"neutral","sentiment_score":-0.050417304039001465}],"sentiment":"neutral","sentiment_score":0.1356537284122573,"num_words":36,"start":247.79,"end":311.55},{"sentences":[{"text":"But but it's not all just sent itself through because when Trump wants something stupid, stop by the cops.","start":311.55,"end":318.85,"sentiment":"neutral","sentiment_score":-0.29798747089348343},{"text":"No.","start":338.58,"end":338.74,"sentiment":"neutral","sentiment_score":-0.2241587340831757},{"text":"No.","start":338.74,"end":339.24,"sentiment":"neutral","sentiment_score":-0.26519152522087097},{"text":"Yeah.","start":346.625,"end":346.86502,"sentiment":"neutral","sentiment_score":0.03837268054485321},{"text":"The premium only comes out once a year, though.","start":346.86502,"end":348.945,"sentiment":"neutral","sentiment_score":-0.009549258276820183}],"sentiment":"neutral","sentiment_score":-0.19995751129763742,"num_words":31,"start":311.55,"end":348.945},{"sentences":[{"text":"That's the thing.","start":348.945,"end":349.845,"sentiment":"neutral","sentiment_score":0.007121729974945386},{"text":"Where I noticed it was up to 69,000 before top to decide to go issue the bomb over and around, but, you know, Well, if you know Trump's gonna do something, still the shares.","start":350.46503,"end":382.665,"sentiment":"neutral","sentiment_score":-0.04611816487329848},{"text":"I've been following up regardless.","start":382.725,"end":384.185,"sentiment":"neutral","sentiment_score":-0.014394554030150174},{"text":"That's what it read out.","start":384.805,"end":386.025,"sentiment":"neutral","sentiment_score":-0.01118297753855586},{"text":"Yeah.","start":405.03497,"end":405.275,"sentiment":"neutral","sentiment_score":0.010552410036325456}],"sentiment":"neutral","sentiment_score":-0.03466640965780243,"num_words":48,"start":348.945,"end":405.275},{"sentences":[{"text":"But it's always the premium's always going up, but also the amount I've insured for is going up as well.","start":405.275,"end":412.495,"sentiment":"neutral","sentiment_score":0.06301903072744608},{"text":"Hypothetically yeah.","start":413.275,"end":417.03497,"sentiment":"neutral","sentiment_score":0.02337382175028324},{"text":"So I I know one year, you you kept it in about 300, and it dropped it by almost half.","start":417.03497,"end":425.54,"sentiment":"neutral","sentiment_score":-0.017493484541773796},{"text":"So it doesn't have to have an index to it.","start":428.80002,"end":431.76,"sentiment":"neutral","sentiment_score":0.035137122869491576},{"text":"It could be the same amount each year I don't care.","start":431.76,"end":434.52502,"sentiment":"neutral","sentiment_score":-0.011592143299904737}],"sentiment":"neutral","sentiment_score":0.01874787650174565,"num_words":63,"start":405.275,"end":434.52502},{"sentences":[{"text":"Say 400,000.","start":434.52502,"end":435.825,"sentiment":"neutral","sentiment_score":-0.0027307672426104554},{"text":"You can be set it up for the next ten years I don't care.","start":436.52502,"end":439.265,"sentiment":"neutral","sentiment_score":-0.1178165152668953},{"text":"And that way, the premium doesn't keep going up either.","start":442.125,"end":445.105,"sentiment":"neutral","sentiment_score":0.0493915468454361},{"text":"Yep.","start":462.795,"end":463.295,"sentiment":"neutral","sentiment_score":0.10228168964385986},{"text":"Yep.","start":501.605,"end":502.105,"sentiment":"neutral","sentiment_score":0.12135283648967744}],"sentiment":"neutral","sentiment_score":-0.03347652691549489,"num_words":28,"start":434.52502,"end":502.105},{"sentences":[{"text":"Yep.","start":532.35,"end":532.85,"sentiment":"neutral","sentiment_score":0.06869372725486755},{"text":"Oh, that's fine.","start":536.11,"end":537.17,"sentiment":"positive","sentiment_score":0.4059036175409953},{"text":"Well, I keep saying that I'm gonna do it, but it never happens.","start":548.11505,"end":551.155,"sentiment":"neutral","sentiment_score":-0.08507321975552119},{"text":"But the to the ATO probably gonna start making contributions will I pay myself as such.","start":551.155,"end":567.53,"sentiment":"neutral","sentiment_score":-0.03526663046795875},{"text":"So I'm gonna talk to the account on it and see how we break that.","start":567.53,"end":573.68506,"sentiment":"neutral","sentiment_score":0.003958988562226295}],"sentiment":"neutral","sentiment_score":-0.006758927833288908,"num_words":48,"start":532.35,"end":573.68506},{"sentences":[{"text":"But see, I don't get really afraid.","start":574.54504,"end":575.985,"sentiment":"neutral","sentiment_score":-0.18042495367782457},{"text":"I don't get my I don't get my tax return until the end of the financial year.","start":575.985,"end":580.80505,"sentiment":"neutral","sentiment_score":-0.3052223412429585},{"text":"So I don't pay I'm paying a $500 a week at the moment, because that's just the one I said someone else could buy.","start":581.585,"end":587.57,"sentiment":"neutral","sentiment_score":0.11307758092880249},{"text":"You can get your family allowance.","start":587.63,"end":589.41,"sentiment":"neutral","sentiment_score":0.33238979677359265},{"text":"And so she was also sure I get the same sort of money.","start":590.82996,"end":594.52997,"sentiment":"positive","sentiment_score":0.3975690144758958}],"sentiment":"neutral","sentiment_score":0.051117066182752156,"num_words":67,"start":574.54504,"end":594.52997},{"sentences":[{"text":"I paid with it each week or each or each month, whatever, which way you wanna do it.","start":595.47,"end":599.64996,"sentiment":"neutral","sentiment_score":0.21037304484181935},{"text":"Yeah.","start":620.67004,"end":621.17004,"sentiment":"neutral","sentiment_score":0.2194880843162537},{"text":"Yep.","start":623.15,"end":623.65,"sentiment":"neutral","sentiment_score":0.1555100679397583},{"text":"Yep.","start":643.32,"end":643.82,"sentiment":"neutral","sentiment_score":0.07683064788579941},{"text":"Look.","start":650.52,"end":651.02,"sentiment":"neutral","sentiment_score":0.192538321018219}],"sentiment":"neutral","sentiment_score":0.20141281492330812,"num_words":22,"start":595.47,"end":651.02},{"sentences":[{"text":"I really wanna just say at the moment is I can send $10 a week into it.","start":651.08,"end":659.335,"sentiment":"neutral","sentiment_score":0.28085585026180043},{"text":"That'd be lovely.","start":659.395,"end":660.375,"sentiment":"positive","sentiment_score":0.6592312653859457},{"text":"But I but I keep forgetting to do anything about it.","start":660.835,"end":663.155,"sentiment":"negative","sentiment_score":-0.46337931941856036},{"text":"That's my problem.","start":663.155,"end":664.055,"sentiment":"negative","sentiment_score":-0.4531334439913432},{"text":"Okay.","start":665.235,"end":665.735,"sentiment":"neutral","sentiment_score":0.07226614654064178}],"sentiment":"neutral","sentiment_score":0.010512472902025496,"num_words":35,"start":651.08,"end":665.735},{"sentences":[{"text":"So I chat.","start":665.795,"end":666.695,"sentiment":"neutral","sentiment_score":0.16160081326961517},{"text":"Yep.","start":671.23004,"end":671.73004,"sentiment":"neutral","sentiment_score":0.18424908816814425},{"text":"Yep.","start":688.395,"end":688.895,"sentiment":"neutral","sentiment_score":0.20030462741851807},{"text":"Sounds good.","start":702.83997,"end":703.56,"sentiment":"positive","sentiment_score":0.5526889711618423},{"text":"Now a quick question.","start":703.56,"end":704.86,"sentiment":"neutral","sentiment_score":0.0715594831854105}],"sentiment":"neutral","sentiment_score":0.20554291186007587,"num_words":11,"start":665.795,"end":704.86},{"sentences":[{"text":"What I know it's what are we gonna pay now?","start":705.96,"end":708.68,"sentiment":"neutral","sentiment_score":-0.02184016313403845},{"text":"Living percent on our what we get paid each year?","start":708.68,"end":715.20496,"sentiment":"neutral","sentiment_score":-0.001814221777021885},{"text":"Yeah.","start":723.90497,"end":724.06494,"sentiment":"neutral","sentiment_score":-0.012759734876453876},{"text":"What what I was saying, maybe if we work it out with 12% is out of 25,000, then maybe we could put that in.","start":724.06494,"end":731.83,"sentiment":"neutral","sentiment_score":-0.011231691421320042},{"text":"How would that work?","start":732.69,"end":733.57,"sentiment":"neutral","sentiment_score":0.12981430254876614}],"sentiment":"neutral","sentiment_score":8.021063190333698e-6,"num_words":49,"start":705.96,"end":733.57},{"sentences":[{"text":"I got would that work better?","start":733.57,"end":735.35004,"sentiment":"neutral","sentiment_score":0.15321441118915877},{"text":"Let me try not to upset the meeting.","start":741.325,"end":742.925,"sentiment":"neutral","sentiment_score":0.02722759498283267},{"text":"Okay.","start":742.925,"end":743.425,"sentiment":"neutral","sentiment_score":0.01956767961382866},{"text":"Probably a little bit higher than what I thought it was, if that's right.","start":752.045,"end":754.865,"sentiment":"neutral","sentiment_score":-0.10233828491930451},{"text":"Alright.","start":757.8,"end":758.12,"sentiment":"neutral","sentiment_score":0.16940484941005707}],"sentiment":"neutral","sentiment_score":-0.003555207761625449,"num_words":30,"start":733.57,"end":758.12},{"sentences":[{"text":"Let's let's start it off at twenty, and I can always put it up as time goes on.","start":758.12,"end":763.42,"sentiment":"neutral","sentiment_score":0.19070629941092598},{"text":"How about Yep.","start":766.92,"end":780.42505,"sentiment":"neutral","sentiment_score":0.1026707539955775},{"text":"No.","start":793.855,"end":794.175,"sentiment":"neutral","sentiment_score":-0.14410606026649475},{"text":"Because what it is, I don't have any other source of income.","start":794.175,"end":797.395,"sentiment":"neutral","sentiment_score":-0.20278426135579744},{"text":"I just, basically, whatever income's left, my account puts it through as me paying as an income.","start":797.935,"end":807.54,"sentiment":"neutral","sentiment_score":-0.07936383586596041}],"sentiment":"neutral","sentiment_score":-0.0036466030367449218,"num_words":51,"start":758.12,"end":807.54},{"sentences":[{"text":"And then, for example, if it's not not pulling me up to $10, I don't know.","start":809.04,"end":816.31995,"sentiment":"neutral","sentiment_score":-0.07388570019975305},{"text":"But yeah.","start":816.31995,"end":818.87994,"sentiment":"neutral","sentiment_score":-0.018460558727383614},{"text":"So Yep.","start":818.87994,"end":835.79004,"sentiment":"neutral","sentiment_score":0.01738680526614189},{"text":"No.","start":838.17004,"end":838.49,"sentiment":"neutral","sentiment_score":-0.1763977408409119},{"text":"That wouldn't be that much.","start":838.49,"end":839.61005,"sentiment":"neutral","sentiment_score":-0.1924778550863266}],"sentiment":"neutral","sentiment_score":-0.08935022024581066,"num_words":26,"start":809.04,"end":839.61005},{"sentences":[{"text":"Give me that too.","start":839.61005,"end":840.59,"sentiment":"neutral","sentiment_score":-0.013724777847528456},{"text":"Not that much.","start":842.65,"end":843.63,"sentiment":"neutral","sentiment_score":-0.099695918460687},{"text":"Yep.","start":851.165,"end":851.665,"sentiment":"neutral","sentiment_score":-0.03131154179573059},{"text":"Okay.","start":854.045,"end":854.545,"sentiment":"neutral","sentiment_score":0.07315561175346375},{"text":"Diana.","start":871.61,"end":872.11,"sentiment":"neutral","sentiment_score":0.010632839053869247}],"sentiment":"neutral","sentiment_score":-0.030150995776057243,"num_words":10,"start":839.61005,"end":872.11},{"sentences":[{"text":"But one's one's one's the second store.","start":873.855,"end":876.915,"sentiment":"neutral","sentiment_score":-0.047661020553537777},{"text":"Yep.","start":899.52997,"end":900.02997,"sentiment":"neutral","sentiment_score":0.15337826311588287},{"text":"Okay.","start":909.10504,"end":909.60504,"sentiment":"neutral","sentiment_score":0.10198156535625458},{"text":"Yes.","start":926.16,"end":926.66,"sentiment":"neutral","sentiment_score":0.0999695286154747},{"text":"Okay.","start":926.95996,"end":927.45996,"sentiment":"neutral","sentiment_score":0.031172512099146843}],"sentiment":"neutral","sentiment_score":0.004806793210181323,"num_words":11,"start":873.855,"end":927.45996},{"sentences":[{"text":"Well, we should've I'm sorry.","start":929.83997,"end":932.95996,"sentiment":"neutral","sentiment_score":-0.10544553101062774},{"text":"I don't understand how it all works.","start":932.95996,"end":934.695,"sentiment":"neutral","sentiment_score":-0.16993517854384013},{"text":"Hang on one second.","start":937.175,"end":938.235,"sentiment":"neutral","sentiment_score":-0.11555090546607971},{"text":"No.","start":942.055,"end":942.295,"sentiment":"neutral","sentiment_score":-0.14037734270095825},{"text":"No.","start":942.295,"end":942.53503,"sentiment":"neutral","sentiment_score":-0.1685207635164261}],"sentiment":"neutral","sentiment_score":-0.1382153129412068,"num_words":18,"start":929.83997,"end":942.53503},{"sentences":[{"text":"You're I'm just I I I did something that I wasn't supposed to do.","start":942.53503,"end":947.015,"sentiment":"neutral","sentiment_score":-0.24496369063854218},{"text":"I've actually pulled up another job, but I'm just going to transfer you back to the earpiece.","start":947.015,"end":952.21,"sentiment":"neutral","sentiment_score":-0.13558516256949482},{"text":"I believe you're there.","start":957.87,"end":959.25,"sentiment":"neutral","sentiment_score":0.013724972493946552},{"text":"Yep.","start":961.31,"end":961.81,"sentiment":"neutral","sentiment_score":0.10970976203680038},{"text":"Yeah.","start":962.11,"end":962.35,"sentiment":"neutral","sentiment_score":0.12464167177677156}],"sentiment":"neutral","sentiment_score":-0.14716724618463903,"num_words":37,"start":942.53503,"end":962.35},{"sentences":[{"text":"You're right.","start":962.35,"end":962.75,"sentiment":"neutral","sentiment_score":0.1724751964211464},{"text":"I'm just because as soon as I get out of the the vehicle, it'll probably transfer me back to the vehicle.","start":962.75,"end":970.265,"sentiment":"neutral","sentiment_score":0.0885787515767983},{"text":"So I'll just disconnect myself.","start":971.765,"end":973.945,"sentiment":"neutral","sentiment_score":0.06449713036417962},{"text":"Yep.","start":975.04504,"end":975.445,"sentiment":"neutral","sentiment_score":0.1601795256137848},{"text":"That's it.","start":975.445,"end":975.925,"sentiment":"neutral","sentiment_score":0.2078552395105362}],"sentiment":"neutral","sentiment_score":0.10011225265841331,"num_words":31,"start":962.35,"end":975.925},{"sentences":[{"text":"Now I shouldn't have any issues.","start":975.925,"end":977.54504,"sentiment":"neutral","sentiment_score":0.27218132466077805},{"text":"Yep.","start":983.42004,"end":983.66003,"sentiment":"neutral","sentiment_score":0.3275204300880432},{"text":"It's it's amazing with technology how much stuff you've gotta do to keep yourself connected or disconnected to make it all work.","start":983.66003,"end":991.275,"sentiment":"positive","sentiment_score":0.47093936800956726},{"text":"Because yeah.","start":995.195,"end":998.41504,"sentiment":"neutral","sentiment_score":0.05128812324255705},{"text":"Yeah.","start":1000.635,"end":1000.955,"sentiment":"neutral","sentiment_score":0.019086722284555435}],"sentiment":"positive","sentiment_score":0.3888417950947769,"num_words":32,"start":975.925,"end":1000.955},{"sentences":[{"text":"And sometimes I forget my phone and oops.","start":1000.955,"end":1003.61505,"sentiment":"neutral","sentiment_score":-0.04654351435601711},{"text":"Forgot that.","start":1003.67505,"end":1004.395,"sentiment":"neutral","sentiment_score":-0.04171709343791008},{"text":"Better.","start":1004.395,"end":1004.85,"sentiment":"neutral","sentiment_score":0.02673372253775597},{"text":"Pay that back.","start":1005.73,"end":1006.63,"sentiment":"neutral","sentiment_score":0.025277897715568542},{"text":"I'm gonna I'm gonna go back towards the 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alright?","start":1021.665,"end":1022.325,"sentiment":"neutral","sentiment_score":-0.03558053635060787},{"text":"Oh, sorry.","start":1023.90497,"end":1024.645,"sentiment":"neutral","sentiment_score":0.012339284643530846},{"text":"Yep.","start":1027.025,"end":1027.525,"sentiment":"neutral","sentiment_score":0.05121924728155136},{"text":"Yep.","start":1034.0299,"end":1034.5299,"sentiment":"neutral","sentiment_score":0.1374024599790573},{"text":"Yep.","start":1039.23,"end":1039.73,"sentiment":"neutral","sentiment_score":0.10398328304290771}],"sentiment":"neutral","sentiment_score":0.035160355269908905,"num_words":7,"start":1021.665,"end":1039.73},{"sentences":[{"text":"Yep.","start":1043.39,"end":1043.715,"sentiment":"neutral","sentiment_score":0.1761831492185593},{"text":"Okay.","start":1053.395,"end":1053.895,"sentiment":"neutral","sentiment_score":0.10153181105852128},{"text":"Yep.","start":1056.24,"end":1056.74,"sentiment":"neutral","sentiment_score":0.14257723093032837},{"text":"Okay.","start":1062.6375,"end":1063.1375,"sentiment":"neutral","sentiment_score":0.06996369361877441},{"text":"Yeah.","start":1070.555,"end":1070.875,"sentiment":"neutral","sentiment_score":0.22664251923561096}],"sentiment":"neutral","sentiment_score":0.14337968081235886,"num_words":5,"start":1043.39,"end":1070.875},{"sentences":[{"text":"We might do that.","start":1070.875,"end":1071.5951,"sentiment":"positive","sentiment_score":0.3780393749475479},{"text":"That that sounds good.","start":1071.5951,"end":1072.8151,"sentiment":"positive","sentiment_score":0.5759978070855141},{"text":"Yep.","start":1081.5951,"end":1081.8451,"sentiment":"neutral","sentiment_score":0.13896165788173676},{"text":"Yep.","start":1081.8451,"end":1082.19,"sentiment":"neutral","sentiment_score":0.12657634913921356},{"text":"No.","start":1087.3099,"end":1087.6299,"sentiment":"neutral","sentiment_score":-0.1410011351108551}],"sentiment":"positive","sentiment_score":0.35824414545839484,"num_words":11,"start":1070.875,"end":1087.6299},{"sentences":[{"text":"Not really.","start":1087.6299,"end":1088.37,"sentiment":"neutral","sentiment_score":-0.14056768268346786},{"text":"But we as you said, we seem to get some really good gains and then we get shot in the foot by stupid decisions by governments and then absolutely go totally the wrong way with it.","start":1088.83,"end":1106.015,"sentiment":"neutral","sentiment_score":-0.24126859361098874},{"text":"That makes sense.","start":1108.9551,"end":1109.8351,"sentiment":"neutral","sentiment_score":0.0514229324956735},{"text":"But I'm not look.","start":1109.8351,"end":1111.2899,"sentiment":"neutral","sentiment_score":-0.11974136717617512},{"text":"As I said, I see it perform, and then I lose it all when, as I said, when someone makes a bad decision in government, then it drops whatever it is, 10%, the shares.","start":1111.2899,"end":1124.5099,"sentiment":"neutral","sentiment_score":-0.14667367080555244}],"sentiment":"neutral","sentiment_score":-0.18073931916416447,"num_words":79,"start":1087.6299,"end":1124.5099},{"sentences":[{"text":"And then and then they take it out.","start":1124.8049,"end":1127.445,"sentiment":"neutral","sentiment_score":-0.06841452606022358},{"text":"As you said, it's like a double whammy.","start":1127.445,"end":1129.1449,"sentiment":"neutral","sentiment_score":-0.08534413902089},{"text":"So there's $10 off that and put 15.","start":1130.565,"end":1133.1449,"sentiment":"neutral","sentiment_score":0.07053267676383257},{"text":"So, really quick.","start":1133.205,"end":1134.585,"sentiment":"neutral","sentiment_score":0.03977858150998751},{"text":"Excuse me.","start":1135.125,"end":1136.105,"sentiment":"neutral","sentiment_score":-0.18482234328985217}],"sentiment":"neutral","sentiment_score":-0.031590236158206546,"num_words":29,"start":1124.8049,"end":1136.105},{"sentences":[{"text":"I could have $15 extra in my account 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yeah.","start":1224.89,"end":1226.1699,"sentiment":"neutral","sentiment_score":0.06715528418620427},{"text":"Yeah.","start":1226.1699,"end":1226.6699,"sentiment":"neutral","sentiment_score":0.05009245127439499},{"text":"Yeah.","start":1226.97,"end":1227.47,"sentiment":"neutral","sentiment_score":0.09544920921325684}],"sentiment":"neutral","sentiment_score":0.08790869159357888,"num_words":7,"start":1215.785,"end":1227.47},{"sentences":[{"text":"I I understand all that, and I'm happy with that.","start":1227.77,"end":1230.01,"sentiment":"neutral","sentiment_score":0.2463267646729946},{"text":"But you're saying if we put it into a bubble, which could be shifted in and out without too many fees and without like, if so if it starts to go down, you can pull it out and hold it.","start":1230.01,"end":1245.885,"sentiment":"neutral","sentiment_score":0.07932667122222484},{"text":"And then once it stops, go back into it with the lower thing and buy obviously, buy more sheets.","start":1245.885,"end":1250.59,"sentiment":"neutral","sentiment_score":0.04823434411695129},{"text":"And then once it goes up again, you see the guide?","start":1250.97,"end":1253.55,"sentiment":"neutral","sentiment_score":-0.02958466535942121},{"text":"That's oh, that doesn't what happened?","start":1254.09,"end":1256.03,"sentiment":"neutral","sentiment_score":-0.09936034493148327}],"sentiment":"neutral","sentiment_score":0.06547899587556373,"num_words":86,"start":1227.77,"end":1256.03},{"sentences":[{"text":"Okay.","start":1266.0851,"end":1266.5851,"sentiment":"neutral","sentiment_score":-0.04299359768629074},{"text":"Okay.","start":1276.77,"end":1277.17,"sentiment":"neutral","sentiment_score":0.04373364523053169},{"text":"Yep.","start":1277.17,"end":1277.67,"sentiment":"neutral","sentiment_score":0.09409400075674056},{"text":"Okay.","start":1281.89,"end":1282.39,"sentiment":"neutral","sentiment_score":0.03725848346948624},{"text":"Yep.","start":1295.975,"end":1296.475,"sentiment":"neutral","sentiment_score":-0.007398083806037903}],"sentiment":"neutral","sentiment_score":0.024938889592885972,"num_words":5,"start":1266.0851,"end":1296.475},{"sentences":[{"text":"Yep.","start":1301.255,"end":1301.755,"sentiment":"neutral","sentiment_score":0.17270347476005554},{"text":"Oh, 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now.","start":1331.26,"end":1333.12,"sentiment":"neutral","sentiment_score":0.17779131872313364},{"text":"Yeah.","start":1337.5,"end":1337.74,"sentiment":"neutral","sentiment_score":-0.0846211314201355},{"text":"Well, yeah.","start":1337.74,"end":1338.72,"sentiment":"neutral","sentiment_score":-0.027160653844475746}],"sentiment":"neutral","sentiment_score":0.028956875104356457,"num_words":37,"start":1319.105,"end":1338.72},{"sentences":[{"text":"Yeah.","start":1340.22,"end":1340.7,"sentiment":"neutral","sentiment_score":-0.004488807171583176},{"text":"Well but, you know, it was down something like 15,000 or something like that for per coin.","start":1340.7,"end":1348.405,"sentiment":"neutral","sentiment_score":-0.04582096022718093},{"text":"So but now the highest for wanna get up to about a 130?","start":1348.785,"end":1352.965,"sentiment":"neutral","sentiment_score":-0.008512400520535616},{"text":"Yeah.","start":1357.745,"end":1357.985,"sentiment":"neutral","sentiment_score":0.006082627922296524},{"text":"So yeah.","start":1357.985,"end":1361.51,"sentiment":"neutral","sentiment_score":0.02810482122004032}],"sentiment":"neutral","sentiment_score":-0.024465119630536613,"num_words":34,"start":1340.22,"end":1361.51},{"sentences":[{"text":"So it you're still you're still well in front if that makes any sense at this point in time.","start":1361.51,"end":1367.21,"sentiment":"neutral","sentiment_score":0.06265791623215926},{"text":"So but then but you guys weren't geared to do that back then.","start":1368.71,"end":1371.99,"sentiment":"neutral","sentiment_score":-0.24944314532555067},{"text":"I don't know if you are 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totally.","start":1408.5049,"end":1409.725,"sentiment":"neutral","sentiment_score":0.08793661495049794},{"text":"Yep.","start":1417.4401,"end":1417.9401,"sentiment":"neutral","sentiment_score":0.15996649861335754}],"sentiment":"neutral","sentiment_score":0.007139377709892061,"num_words":9,"start":1405.1449,"end":1417.9401},{"sentences":[{"text":"Well, look, whatever you come up with, I'm happy with whatever.","start":1421.68,"end":1426.1001,"sentiment":"positive","sentiment_score":0.5095317959785461},{"text":"And I still gotta send the paperwork.","start":1428.205,"end":1429.725,"sentiment":"neutral","sentiment_score":0.1398914967264448},{"text":"I still gotta sign it, send it back, and give it all the approval scenario.","start":1429.725,"end":1435.105,"sentiment":"neutral","sentiment_score":0.0895114873846372},{"text":"But, yeah, whatever you whatever you're fine and do, I'm more than happy with that because even though when I was with Australian Super, my it actually keep growing every year except for the last year I was in.","start":1436.525,"end":1450.62,"sentiment":"neutral","sentiment_score":0.16538809994474435},{"text":"And that started out at $30,000.","start":1451.64,"end":1454.445,"sentiment":"neutral","sentiment_score":0.005393732028702895}],"sentiment":"neutral","sentiment_score":0.18473411325174263,"num_words":78,"start":1421.68,"end":1454.445},{"sentences":[{"text":"And that was, what, twenty years ago.","start":1457.4049,"end":1459.1849,"sentiment":"neutral","sentiment_score":-0.008649039747459548},{"text":"That was somebody through Australian Super.","start":1465.8049,"end":1469.92,"sentiment":"neutral","sentiment_score":0.019691844781239826},{"text":"They said, well, you should do this.","start":1469.92,"end":1471.12,"sentiment":"neutral","sentiment_score":0.04967620276979038},{"text":"And I said, alright.","start":1471.12,"end":1471.92,"sentiment":"neutral","sentiment_score":0.02100486634299159},{"text":"Okay.","start":1471.92,"end":1472.4,"sentiment":"neutral","sentiment_score":0.013951539993286133}],"sentiment":"neutral","sentiment_score":0.02013248860836029,"num_words":25,"start":1457.4049,"end":1472.4},{"sentences":[{"text":"But it was only $121,200 dollars for this initial first time for the insurance.","start":1472.4,"end":1477.78,"sentiment":"neutral","sentiment_score":-0.0013975226985556745},{"text":"Oh, this is pretty good.","start":1479.6001,"end":1480.56,"sentiment":"positive","sentiment_score":0.5028950929641723},{"text":"And then I looked at it and it went up pretty 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right.","start":1532.39,"end":1533.13,"sentiment":"neutral","sentiment_score":0.17753873765468597}],"sentiment":"neutral","sentiment_score":-0.061551790800876915,"num_words":16,"start":1512.625,"end":1533.13},{"sentences":[{"text":"Yep.","start":1545.1951,"end":1545.6951,"sentiment":"neutral","sentiment_score":-0.018005942925810814},{"text":"Now, as I said, the mortgage is about 250.","start":1547.035,"end":1550.235,"sentiment":"neutral","sentiment_score":0.19105062716537052},{"text":"If I can keep it around 3 100, and the lower we get it, the quicker we get it.","start":1550.235,"end":1555.0701,"sentiment":"positive","sentiment_score":0.35916819384223536},{"text":"And if it well, it gives the girls a bit of a a secure living for the rest of their lives.","start":1555.0701,"end":1564.91,"sentiment":"positive","sentiment_score":0.5279858963830131},{"text":"So, you know, gives them a bit of a head start even though my eldest is 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afterwards.","start":1614.99,"end":1617.5701,"sentiment":"neutral","sentiment_score":0.06757939420640469}],"sentiment":"neutral","sentiment_score":0.0008446000574622303,"num_words":64,"start":1570.8451,"end":1617.5701},{"sentences":[{"text":"She'll she'll be the same.","start":1619.39,"end":1620.8501,"sentiment":"neutral","sentiment_score":0.06631396636366844},{"text":"No.","start":1656.1549,"end":1656.475,"sentiment":"neutral","sentiment_score":-0.23630285263061523},{"text":"I don't believe so.","start":1656.475,"end":1657.695,"sentiment":"neutral","sentiment_score":-0.25935425609350204},{"text":"What have we got?","start":1659.6749,"end":1660.475,"sentiment":"neutral","sentiment_score":-0.11171303875744343},{"text":"The last well, we had the Everest.","start":1660.475,"end":1662.3949,"sentiment":"neutral","sentiment_score":0.0036488543929798258}],"sentiment":"neutral","sentiment_score":-0.0649266771173903,"num_words":21,"start":1619.39,"end":1662.3949},{"sentences":[{"text":"We still got that, which is in, theoretically, the company's name, but that's the Watts car.","start":1662.3949,"end":1670.04,"sentiment":"neutral","sentiment_score":0.014583613956347108},{"text":"I bought another vehicle for work, a Ford Transit, a cab chassis, and put a box on the back of it.","start":1670.42,"end":1679.0599,"sentiment":"neutral","sentiment_score":0.08435098897843134},{"text":"So let me see what the VE wagon and the Toyota Huayas.","start":1679.0599,"end":1685.395,"sentiment":"neutral","sentiment_score":0.07942738570272923},{"text":"I do I do get dad's car, yeah, which is registered in my name as well.","start":1687.215,"end":1696.49,"sentiment":"neutral","sentiment_score":0.07442957418970764},{"text":"I think that's it.","start":1699.6699,"end":1700.73,"sentiment":"neutral","sentiment_score":0.049062782898545265}],"sentiment":"neutral","sentiment_score":0.06297045708566472,"num_words":69,"start":1662.3949,"end":1700.73},{"sentences":[{"text":"It's dropped a little bit.","start":1709.585,"end":1710.625,"sentiment":"neutral","sentiment_score":-0.16110626459121705},{"text":"Nothing that's around about 12, but we're trying to build that back up.","start":1710.625,"end":1714.4049,"sentiment":"neutral","sentiment_score":-0.03675845050467895},{"text":"Because, yeah, because Liz's mom passed away in April.","start":1716.705,"end":1722.52,"sentiment":"neutral","sentiment_score":-0.2511015186707179},{"text":"So we spent a bit of money between that and with other things.","start":1724.18,"end":1729.56,"sentiment":"neutral","sentiment_score":-0.13694402804741493},{"text":"But we know we'll get that back later.","start":1732.82,"end":1734.5,"sentiment":"neutral","sentiment_score":-0.044562585186213255}],"sentiment":"neutral","sentiment_score":-0.11833495611790568,"num_words":48,"start":1709.585,"end":1734.5},{"sentences":[{"text":"So No.","start":1734.5,"end":1754.44,"sentiment":"neutral","sentiment_score":0.031684696674346924},{"text":"I just build basically.","start":1754.44,"end":1757.62,"sentiment":"neutral","sentiment_score":-0.034157296642661095},{"text":"Yeah.","start":1757.7599,"end":1758.2599,"sentiment":"neutral","sentiment_score":0.11757491528987885},{"text":"And look, I think Liz is probably as soon as Charlie finishes school, she might drop a a day or two, but then she can also do what they call emergency teaching.","start":1758.6399,"end":1773.655,"sentiment":"neutral","sentiment_score":0.19858010346069932},{"text":"And it works that she gets $500 a day with no responsibility.","start":1774.915,"end":1778.45,"sentiment":"neutral","sentiment_score":0.205555592974027}],"sentiment":"neutral","sentiment_score":0.17383422644114963,"num_words":51,"start":1734.5,"end":1778.45},{"sentences":[{"text":"Just go and teach the kids.","start":1781.63,"end":1783.1699,"sentiment":"neutral","sentiment_score":0.20179198930660883},{"text":"Yeah.","start":1784.6699,"end":1785.1699,"sentiment":"neutral","sentiment_score":0.03183084726333618},{"text":"And she well, put it this way, and she wouldn't have trouble getting a job either or getting well, getting she has a she's a teacher, but they call her in, and she wouldn't have trouble getting work on days that she wants to work.","start":1789.15,"end":1805.97,"sentiment":"neutral","sentiment_score":0.2624693890412649},{"text":"Does that make sense?","start":1807.63,"end":1808.77,"sentiment":"neutral","sentiment_score":0.11231862753629684},{"text":"Yes.","start":1813.87,"end":1814.37,"sentiment":"neutral","sentiment_score":0.12404054403305054}],"sentiment":"neutral","sentiment_score":0.2390705323533008,"num_words":57,"start":1781.63,"end":1814.37},{"sentences":[{"text":"Yep.","start":1816.99,"end":1817.49,"sentiment":"neutral","sentiment_score":0.19396838545799255},{"text":"Congratulations.","start":1832.98,"end":1833.48,"sentiment":"positive","sentiment_score":0.5656800866127014},{"text":"Congratulations.","start":1840.5,"end":1841.0,"sentiment":"positive","sentiment_score":0.5465229749679565},{"text":"Your wife will be as happy.","start":1846.915,"end":1848.375,"sentiment":"positive","sentiment_score":0.4960491905609767},{"text":"It's it's all get out.","start":1850.1151,"end":1851.395,"sentiment":"neutral","sentiment_score":0.09213173389434814}],"sentiment":"positive","sentiment_score":0.33879466141973225,"num_words":14,"start":1816.99,"end":1851.395},{"sentences":[{"text":"Oh, so I'm trying to I'm trying to keep it clean here when I Well, I'm I'm the opposite.","start":1851.395,"end":1862.2999,"sentiment":"neutral","sentiment_score":0.0004495917635626699},{"text":"I'm that number with all the girls.","start":1862.2999,"end":1863.92,"sentiment":"neutral","sentiment_score":0.016325339051296135},{"text":"Yeah.","start":1872.245,"end":1872.485,"sentiment":"neutral","sentiment_score":0.035344939678907394},{"text":"I've helped them with it, but they but they but they paid for them themselves.","start":1872.485,"end":1875.945,"sentiment":"neutral","sentiment_score":0.008952754798034828},{"text":"They've put they worked hard and put yeah.","start":1878.565,"end":1881.765,"sentiment":"neutral","sentiment_score":-0.02643760951468721}],"sentiment":"neutral","sentiment_score":0.001619100047973916,"num_words":50,"start":1851.395,"end":1881.765},{"sentences":[{"text":"They've my one that's doing second year uni now, she's paid for the cruise.","start":1881.765,"end":1889.63,"sentiment":"neutral","sentiment_score":0.0668520959360259},{"text":"We we've paid for it initially, but she's paid us back for that.","start":1890.49,"end":1893.63,"sentiment":"neutral","sentiment_score":0.08115092034523304},{"text":"Already, she did that in under twelve months, and she's a great saver.","start":1895.0499,"end":1898.655,"sentiment":"positive","sentiment_score":0.543846098276285},{"text":"She didn't have the if she didn't have the car, she'd probably have maybe $20.30 grand in the bank.","start":1901.615,"end":1906.8351,"sentiment":"neutral","sentiment_score":0.024401413178757617},{"text":"And she's 19.","start":1916.29,"end":1917.35,"sentiment":"neutral","sentiment_score":0.07450340688228607}],"sentiment":"neutral","sentiment_score":0.15722625251979597,"num_words":62,"start":1881.765,"end":1917.35},{"sentences":[{"text":"So Yeah.","start":1918.93,"end":1926.05,"sentiment":"neutral","sentiment_score":0.0838952586054802},{"text":"So she knows how to save.","start":1926.05,"end":1927.485,"sentiment":"neutral","sentiment_score":0.10385772461692493},{"text":"No.","start":1938.605,"end":1939.105,"sentiment":"neutral","sentiment_score":-0.05265236273407936},{"text":"Yeah.","start":1940.045,"end":1940.545,"sentiment":"neutral","sentiment_score":0.0024492722004652023},{"text":"If we ever change address, it'll be I I believe it'll be going into a nursing home.","start":1941.245,"end":1947.1,"sentiment":"neutral","sentiment_score":-0.011538536342627862}],"sentiment":"neutral","sentiment_score":0.020169579872378596,"num_words":27,"start":1918.93,"end":1947.1},{"sentences":[{"text":"My wife doesn't like change.","start":1950.36,"end":1951.98,"sentiment":"neutral","sentiment_score":-0.050003206729888915},{"text":"Right.","start":1960.345,"end":1960.665,"sentiment":"neutral","sentiment_score":0.055655308067798615},{"text":"Yep.","start":1960.665,"end":1961.145,"sentiment":"neutral","sentiment_score":0.07833502441644669},{"text":"Yep.","start":1961.145,"end":1961.645,"sentiment":"neutral","sentiment_score":0.1577453315258026},{"text":"Yeah.","start":1979.0599,"end":1979.46,"sentiment":"neutral","sentiment_score":0.11073020845651628}],"sentiment":"neutral","sentiment_score":0.016938870979679957,"num_words":9,"start":1950.36,"end":1979.46},{"sentences":[{"text":"Well well, just big fun because it's just easy when I when I set it up.","start":1979.46,"end":1985.625,"sentiment":"neutral","sentiment_score":0.256678806617856},{"text":"I've got a I've got a Gmail account, but I don't I can't log in to it.","start":1987.205,"end":1992.825,"sentiment":"neutral","sentiment_score":-0.0664952779736589},{"text":"Let me log in to it.","start":1994.325,"end":1995.445,"sentiment":"neutral","sentiment_score":-0.05467246348659197},{"text":"So yes.","start":1995.445,"end":2004.85,"sentiment":"neutral","sentiment_score":-0.11306322738528252},{"text":"I I believe they're pretty pissed off that they had that outage too a couple of weeks ago.","start":2006.51,"end":2011.25,"sentiment":"negative","sentiment_score":-0.3793528460794025}],"sentiment":"neutral","sentiment_score":-0.07467917431840453,"num_words":59,"start":1979.46,"end":2011.25},{"sentences":[{"text":"Yes.","start":2016.245,"end":2016.745,"sentiment":"neutral","sentiment_score":-0.002858075313270092},{"text":"That that was across the country.","start":2018.085,"end":2019.7849,"sentiment":"neutral","sentiment_score":-0.03374473750591278},{"text":"Yeah.","start":2040.5549,"end":2040.875,"sentiment":"neutral","sentiment_score":0.028658434748649597},{"text":"Well, that was the same.","start":2040.875,"end":2041.6749,"sentiment":"neutral","sentiment_score":0.015275011770427227},{"text":"My daughter and I, we were in Mildura, and we had our we had all our services.","start":2041.6749,"end":2046.575,"sentiment":"neutral","sentiment_score":0.05886735087808441}],"sentiment":"neutral","sentiment_score":0.03001506527264913,"num_words":30,"start":2016.245,"end":2046.575},{"sentences":[{"text":"And the nurses that come in to see the auntie, they didn't have phones or nothing.","start":2047.0349,"end":2052.21,"sentiment":"neutral","sentiment_score":-0.08363724476657808},{"text":"No.","start":2066.21,"end":2066.45,"sentiment":"neutral","sentiment_score":-0.2082987129688263},{"text":"No.","start":2066.45,"end":2066.77,"sentiment":"neutral","sentiment_score":-0.1743858903646469},{"text":"So yeah.","start":2066.77,"end":2067.465,"sentiment":"neutral","sentiment_score":-0.06425807997584343},{"text":"Oh, if you see anything that we can look if it needs to be more aggressive or what have you, I'm happy to do whatever you think is the best way to go to keep it growing.","start":2067.465,"end":2088.4302,"sentiment":"neutral","sentiment_score":0.16916043381835963}],"sentiment":"neutral","sentiment_score":0.07736033985489293,"num_words":57,"start":2047.0349,"end":2088.4302},{"sentences":[{"text":"So so so far, I can't complain.","start":2089.05,"end":2092.99,"sentiment":"neutral","sentiment_score":0.05837808070438249},{"text":"I said it always seems to grow, but then someone does something stupid and it drops, but that's just part and parcel of it.","start":2095.175,"end":2100.135,"sentiment":"neutral","sentiment_score":-0.0933888986085852},{"text":"But if it that didn't drop, I'd still I'm probably be closer to $80,000 now in there.","start":2100.135,"end":2106.875,"sentiment":"neutral","sentiment_score":-0.022566759739728534},{"text":"Yep.","start":2126.275,"end":2126.775,"sentiment":"neutral","sentiment_score":0.19355404376983645},{"text":"Yep.","start":2143.67,"end":2144.17,"sentiment":"neutral","sentiment_score":-0.3223026692867279}],"sentiment":"neutral","sentiment_score":-0.046901410855352876,"num_words":50,"start":2089.05,"end":2144.17},{"sentences":[{"text":"No.","start":2150.8699,"end":2151.1099,"sentiment":"neutral","sentiment_score":-0.2142104208469391},{"text":"Same.","start":2151.1099,"end":2151.6099,"sentiment":"neutral","sentiment_score":-0.15460962057113647},{"text":"Yes.","start":2154.135,"end":2154.635,"sentiment":"neutral","sentiment_score":0.06114012748003006},{"text":"Hope so.","start":2154.7751,"end":2155.595,"sentiment":"neutral","sentiment_score":0.07931862026453018},{"text":"Okay.","start":2182.76,"end":2183.26,"sentiment":"neutral","sentiment_score":0.09033683687448502}],"sentiment":"neutral","sentiment_score":-0.009784306089083353,"num_words":6,"start":2150.8699,"end":2183.26},{"sentences":[{"text":"Not beautiful.","start":2192.2751,"end":2192.935,"sentiment":"neutral","sentiment_score":0.12925341725349426},{"text":"No worries.","start":2195.475,"end":2196.21,"sentiment":"positive","sentiment_score":0.40577973425388336},{"text":"No.","start":2198.77,"end":2198.93,"sentiment":"neutral","sentiment_score":0.12780547142028809},{"text":"Thank you.","start":2198.93,"end":2199.67,"sentiment":"neutral","sentiment_score":0.22438982129096985},{"text":"Yep.","start":2200.93,"end":2201.43,"sentiment":"neutral","sentiment_score":0.2003176063299179}],"sentiment":"neutral","sentiment_score":0.23087112791836262,"num_words":8,"start":2192.2751,"end":2201.43},{"sentences":[{"text":"Yep.","start":2209.57,"end":2210.07,"sentiment":"positive","sentiment_score":0.4119974374771118},{"text":"No worries.","start":2213.045,"end":2213.6848,"sentiment":"neutral","sentiment_score":0.32081642746925354},{"text":"Beautiful.","start":2213.6848,"end":2214.1848,"sentiment":"positive","sentiment_score":0.72161465883255},{"text":"You too.","start":2217.845,"end":2218.4048,"sentiment":"positive","sentiment_score":0.5471154302358627},{"text":"Bye bye.","start":2218.4048,"end":2219.065,"sentiment":"neutral","sentiment_score":0.3079095482826233}],"sentiment":"positive","sentiment_score":0.4356618635356426,"num_words":8,"start":2209.57,"end":2219.065}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon, mister Hanson. It's Tommy here, senior adviser over to you. How are you doing? Right. I'm living the dream.\n\nIt's a beautiful Friday. Happy Friday to you, sir.\n\nChannel 1: I'm glad you're living the dream.\n\nChannel 0: Yep. It's like, glad someone is. Let me know if you find out whose dream it is, though.\n\nChannel 1: Yeah.\n\nChannel 0: Right. Absolutely.\n\nChannel 1: Yes.\n\nChannel 0: I have a few things I wanted to run through with you today. Your\n\nChannel 1: Yep.\n\nChannel 0: essentially, your file has been kind of escalated to me as senior adviser because there's a few bit of creative workarounds I'm I'm kind of thinking of. Mate, do you mind\n\nChannel 1: Yep.\n\nChannel 0: if I just go through a quick security check with you?\n\nChannel 1: Yeah. Just give me thirty seconds\n\nChannel 0: No worries.\n\nChannel 1: because that's the moment I've got you running through my head, please.\n\nChannel 0: Okay. No\n\nChannel 1: And\n\nChannel 0: worries.\n\nChannel 1: I'll just put you straight to the car. Yep.\n\nChannel 0: Awesome. Can you hear me okay there? Sensational. Okay. So what I wanted to do to start with is just quickly check.\n\nDo you remember your OU password?\n\nChannel 1: Ziggy.\n\nChannel 0: Mhmm. Ziggy, sensational. And are you okay for the call to be recorded?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Perfect. So, Chris, having a look at your file there and your previous conversation with Kyle, one of our advisers, you have a little bit of an issue with insurance premium stopping your super from growing at the moment no matter how much it's trying to grow. Does that sound about right?\n\nChannel 1: That's very,\n\nChannel 0: Okay.\n\nChannel 1: very, very true.\n\nChannel 0: Yep. So possibly an astute observation, but it needs to be fixed. So one of the background things that the team has been doing has been calling every single insurer in the industry just to see if we can get you a better deal than what you've got with OnePath.\n\nChannel 1: Yep.\n\nChannel 0: Now the only concern I've got is because your premiums are well over 6,000 now, that's the main issue. With\n\nChannel 1: Yes.\n\nChannel 0: the other insurers, they're most likely gonna offer you cover with, like, exclusions for potential issues with, like, the hand and back and things like that, which I don't think is is a very good deal for you because your current policy doesn't have any exclusions on it at all.\n\nChannel 1: Yep.\n\nChannel 0: So even though I found one that would probably trim the premiums down maybe a thousand dollars, the exclusion kind of lean towards, for me, not a good idea. So I've got a few other ideas instead.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Cool. So I'm just having a look at your details on file. It seems like you've got a pretty decent amount sitting in your offset account at the moment last time we checked compared to the mortgage.\n\nChannel 1: Yeah.\n\nChannel 0: So I've got here that you've got about 260,000 owing and about $2.40 in the offset account, which I just wanted to double check with you, Chris. The the money in the offset, that would be on top, wouldn't it? So you'd be owing maybe 500,000 with $2.40 in offset.\n\nChannel 1: No. Our mortgage is we probably owe owe about yeah. That might be only owe about $2.50. And\n\nChannel 0: Yep.\n\nChannel 1: we're also at $2.20, I think it is now.\n\nChannel 0: Right. So you may only have about $30 left to pay off.\n\nChannel 1: You ready for? Yes.\n\nChannel 0: Alright. With $2.50 k owing sensational.\n\nChannel 1: We'll put it\n\nChannel 0: So\n\nChannel 1: yeah. We'll we'll put it this way. We were paying I think we're paying 2,000 a month for the mortgage itself. And we're saving about about we're only paying $80 a month.\n\nChannel 0: Yeah. Okay. So pretty much offsetting the whole lot then almost. Okay. So before I go into the next step, just swing over to the super for the second at the moment.\n\nSo what I'm kinda noticing on your account is that for about nine months at a time, you're getting this pretty big growth where it's going up from the 58,000 up to 70,000, and then the insurance premium comes down and drops back down again. And then it grows up again another 10,000, then it drops back down from the premiums again. Does that make sense?\n\nChannel 1: Yeah. But but it's not all just sent itself through because when Trump wants something stupid, stop by the cops.\n\nChannel 0: Yeah. And it's doing a bit of a double whammy where it's growing. Premium comes out, book market drops a little bit, and then it grows. Premium comes out, book market drops a little bit, and it's just keeping you going sideways, which one silver lining is at least it's definitely not going backwards because based on\n\nChannel 1: No.\n\nChannel 0: those\n\nChannel 1: No.\n\nChannel 0: premiums, if you're in a low performance, you'd be going down quite fast. So that's one positive.\n\nChannel 1: Yeah. The premium only comes out once a year, though. That's the thing. Where I noticed\n\nChannel 0: And\n\nChannel 1: it was up to 69,000 before top to decide to go issue the bomb over and around, but, you know,\n\nChannel 0: Yep. Always the way. Yep. So you're getting this double whammy effect where the premium seems to be coinciding with every market drop. I can almost use you as a predictor for the market at this point.\n\nChannel 1: Well,\n\nChannel 0: Oh.\n\nChannel 1: if you know Trump's gonna do something, still the shares. I've been following up regardless. That's what it read out.\n\nChannel 0: Yeah. So one of the things we can do, there's there's basically three things that we've gotta do, is number one, we have to trim trim that insurance policy down because it's just it's just too much. No amount of investments I could pick will offset that.\n\nChannel 1: Yeah. But it's always the premium's always going up, but also the amount I've insured for is going up as well. Hypothetically\n\nChannel 0: Yeah. They've got indexation linked to it.\n\nChannel 1: yeah. So I I know one year, you you kept it in about 300, and it dropped it by almost half.\n\nChannel 0: Yep.\n\nChannel 1: So it doesn't have to have an index to it. It could be the same amount each year I don't care. Say 400,000.\n\nChannel 0: Yeah.\n\nChannel 1: You can be set it up for the next ten years I don't care.\n\nChannel 0: Yep.\n\nChannel 1: And that way, the premium doesn't keep going up either.\n\nChannel 0: Problem you've got too, though, is with the age based increases from age 55 to age 62, they're gonna jump it up a couple of grand a year just based on age as well.\n\nChannel 1: Yep.\n\nChannel 0: So they always do both, which is they up the cover, but they also increase prices every year in line with age. So we'd probably have to trim it down a bit further than 400,000 and try and keep it at that level. Whether that's 300 or 200, I I kinda wanna be guided by you on that, and I can get some quotes drawn up. Okay. So we'll go 300,000 to start with.\n\nWe can always adjust it. It's it's impossible to get it back up again, but it's easier to trim it down when we when we need to, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: So why don't I get a quote drawn up from one path to 300,000 and see if they can remove that indexation? At the same time, out of all the investments inside the super, I'm pretty happy with all of them except for one of them, which I'm not liking the way that Benelon options been performing compared to the other Australian shares. So I wanna do a bit of an engine tune up and switch one option out just to\n\nChannel 1: Yep.\n\nChannel 0: kind of bump up the returns a little bit, if that's okay.\n\nChannel 1: Oh, that's fine.\n\nChannel 0: Cool. And then on top of that, I did wanna ask you, just in terms of contributions, are you able to make any, or should I just base it on no contributions going forward for the time being?\n\nChannel 1: Well, I keep saying that I'm gonna do it, but it never happens. But the to the ATO probably gonna start making contributions will I pay myself\n\nChannel 0: Yeah.\n\nChannel 1: as such.\n\nChannel 0: Yeah.\n\nChannel 1: So I'm gonna talk to the account on it and see how we break that. But see, I don't\n\nChannel 0: Okay.\n\nChannel 1: get really afraid. I don't get my I don't get my tax return until the end of the financial year. So I don't pay\n\nChannel 0: Yeah.\n\nChannel 1: I'm paying a $500 a week at the moment, because that's just the one I said someone else could buy. You can get your family allowance.\n\nChannel 0: Yep.\n\nChannel 1: And so she was also sure I get the same sort of money. I paid with it each week or each or each month, whatever, which way you wanna do it.\n\nChannel 0: Okay. 25,000. Yep. So couple of options you've got.\n\nChannel 1: Yeah.\n\nChannel 0: Oh, yeah. So got you there. When it comes\n\nChannel 1: Yep.\n\nChannel 0: to with the account and the contribution, is you can either do a regular contribution throughout the year, or if you get to every end of financial year, you can do, like, a one off contribution. Like, let's say you're pulling it inside your offset account all year, and then in June, you just whack in two, five, 10, whatever the figure is. You can do\n\nChannel 1: Yep.\n\nChannel 0: gradual or you can do a one off.\n\nChannel 1: Look. I really wanna just say at the moment is I can send $10 a week into it. That'd be lovely.\n\nChannel 0: Yep.\n\nChannel 1: But I but I keep forgetting to do anything about it. That's my problem.\n\nChannel 0: That's\n\nChannel 1: Okay.\n\nChannel 0: okay. I'll\n\nChannel 1: So\n\nChannel 0: put\n\nChannel 1: I\n\nChannel 0: in\n\nChannel 1: chat.\n\nChannel 0: $10 a week into the plan and send you the payment details for it.\n\nChannel 1: Yep.\n\nChannel 0: And then if you're able to like, if we get that rolling, I'll I'll build you a plan where we basically say, we trim down the insurances, fix up this investment option, and put in $10 a week, and then we'll help you with the form to claim that for tax at the end of financial year.\n\nChannel 1: Yep.\n\nChannel 0: And then after that point, it's just about whether you wanna do any lump sums with your accountant afterwards, but I'll put that as a as a maybe depending on how things play out for the year. How's that sound?\n\nChannel 1: Sounds good. Now a quick question.\n\nChannel 0: Yep.\n\nChannel 1: What I know it's what are we gonna pay now? Living percent on our what we get paid each year?\n\nChannel 0: It's about 12% if you're doing the old wages in SGC.\n\nChannel 1: Yeah. What what I was saying, maybe if we work it out with 12% is out of 25,000, then maybe we could put that in.\n\nChannel 0: Yeah.\n\nChannel 1: How would\n\nChannel 0: Yeah.\n\nChannel 1: that\n\nChannel 0: Yeah.\n\nChannel 1: work? I\n\nChannel 0: And\n\nChannel 1: got would that work better?\n\nChannel 0: so let's go yeah. That'll be perfect.\n\nChannel 1: Let\n\nChannel 0: So\n\nChannel 1: me try\n\nChannel 0: it\n\nChannel 1: not\n\nChannel 0: it works\n\nChannel 1: to upset\n\nChannel 0: out\n\nChannel 1: the\n\nChannel 0: to\n\nChannel 1: meeting.\n\nChannel 0: be about\n\nChannel 1: Okay.\n\nChannel 0: $57.70 a week kind of thing before tax.\n\nChannel 1: Probably a little bit higher than what I thought it was, if that's right. Alright. Let's let's start it off at twenty, and I can always put it up as time goes on.\n\nChannel 0: Yeah. Yep. And\n\nChannel 1: How\n\nChannel 0: one\n\nChannel 1: about\n\nChannel 0: thing I wanted to just ask you just because the way the contributions work, if you're only earning $25,000, you're in that really low 16% tax bracket.\n\nChannel 1: Yep.\n\nChannel 0: When you do your tax return, do you have any other sources of income that bump you up above that? So when you do this year's just go and buy, will you finish the year about $20, 25, or would it be a lot higher than that?\n\nChannel 1: No. Because what it is, I don't have any other source of income. I just,\n\nChannel 0: Yep.\n\nChannel 1: basically, whatever income's left, my account puts it through as me paying as an income.\n\nChannel 0: Gotcha.\n\nChannel 1: And then, for example, if it's not not pulling me up to $10, I don't know. But yeah. So\n\nChannel 0: Alright. So just bear in mind that if you put the contributions in and you're including Medicare copying 18% tax on that income, the super tax is 15%, so it's a tiny bit less, but it's not a big difference\n\nChannel 1: Yep.\n\nChannel 0: like if you were earning $200.\n\nChannel 1: No. That wouldn't be that much. Give me that too. Not that\n\nChannel 0: There\n\nChannel 1: much.\n\nChannel 0: is a possibility to do a non concessional contribution, which is like you use after tax dollars, but it goes in tax free, but then you're not getting\n\nChannel 1: Yep.\n\nChannel 0: that 3% difference.\n\nChannel 1: Okay.\n\nChannel 0: The only thing that really helps with is, oh, geez. Not gonna help too much, but estate planning. Your three daughters, are they all over 18?\n\nChannel 1: Diana.\n\nChannel 0: Yeah.\n\nChannel 1: But one's\n\nChannel 0: So,\n\nChannel 1: one's\n\nChannel 0: look, it's not gonna\n\nChannel 1: one's\n\nChannel 0: make\n\nChannel 1: the second store.\n\nChannel 0: okay. It doesn't make too much of a difference, but what some people do towards the 50 is when they do those non concessional after tax contributions to go in tax free, but they don't get the difference. It it kinda goes into, like, a tax free pool so that your ben your beneficiaries pay less tax when they receive it\n\nChannel 1: Yep.\n\nChannel 0: after you pass away. But that's only gonna really save you more a couple of $100 at most.\n\nChannel 1: Okay.\n\nChannel 0: So if you're okay to just do it when you talk to the the accountant, if you're paying yourself wages, are they able to pay contributions like an employer does? Like, do you have a a PTY Ltd company? Because it's Hampton Services PTY Ltd. They\n\nChannel 1: Yes.\n\nChannel 0: should just be able\n\nChannel 1: Okay.\n\nChannel 0: to do it through a clearinghouse.\n\nChannel 1: Well, we should've I'm sorry. I don't understand how it all works.\n\nChannel 0: Only\n\nChannel 1: Hang\n\nChannel 0: reason\n\nChannel 1: on one\n\nChannel 0: why\n\nChannel 1: second.\n\nChannel 0: I'm saying that is because if you were a oh, yeah. Sorry. Do you have a?\n\nChannel 1: No. No. You're I'm just I I I did something that I wasn't supposed to do. I've actually pulled up another job, but I'm just going to transfer you back to the earpiece.\n\nChannel 0: Yes.\n\nChannel 1: I believe you're there.\n\nChannel 0: Yep. Got you loud and clear.\n\nChannel 1: Yep. Yeah. You're right. I'm just because as soon as I get out of the the vehicle, it'll probably transfer me back to the vehicle. So I'll just disconnect myself.\n\nYep. That's it. Now I shouldn't have any issues.\n\nChannel 0: Perfect. I've got you still.\n\nChannel 1: Yep. It's it's amazing with technology how much stuff you've gotta do to keep yourself connected or disconnected to make it all work.\n\nChannel 0: Yeah. Yeah. I find the same thing. I'm always\n\nChannel 1: Because\n\nChannel 0: floating around with the earbuds and between the car\n\nChannel 1: yeah.\n\nChannel 0: and the office and the laptop.\n\nChannel 1: Yeah. And sometimes I forget my phone and oops. Forgot that. Better. Pay that back.\n\nI'm gonna I'm gonna go back towards the phone.\n\nChannel 0: Chris, have I got you still?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So one\n\nChannel 1: Hang\n\nChannel 0: thing I\n\nChannel 1: on.\n\nChannel 0: was saying is that just let me know when you're good to go.\n\nChannel 1: No. No. You alright? Oh, sorry.\n\nChannel 0: With some of the the sole traders,\n\nChannel 1: Yep.\n\nChannel 0: they don't have the ability to do that, pay themselves wages, pay themselves contributions like that. They\n\nChannel 1: Yep.\n\nChannel 0: basically have to pay it from their bank account like a BPAY or an EFT and then\n\nChannel 1: Yep.\n\nChannel 0: claim it in their tax return every year. It's not automatic. But if your\n\nChannel 1: Yep.\n\nChannel 0: accountant's able to actually go, oh, you've got the company, pay the wages, pay the super, they can handle all of that, and you don't have to do the extra paperwork.\n\nChannel 1: Okay.\n\nChannel 0: K? So I'm\n\nChannel 1: Yep.\n\nChannel 0: gonna treat it like that for the time being until if you have a conversation with the accountant\n\nChannel 1: Okay.\n\nChannel 0: and tell me that you've got to do it a different way, then we can just adjust it. Cool.\n\nChannel 1: Yeah.\n\nChannel 0: Alrighty.\n\nChannel 1: We might do that. That that sounds good.\n\nChannel 0: So got a bit of a game plan. I'll work on those three things and build up an updated plan for you and and see how the projections look.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Is there anything else that you want me to kind of factor in? Anything else that I can help you with?\n\nChannel 1: No. Not really. But we as you said, we seem to get some really good gains and then we get shot in the foot by stupid decisions by governments and then absolutely go totally the wrong way\n\nChannel 0: Yeah.\n\nChannel 1: with it. That makes sense. But I'm not look. As I said, I see it perform, and then I lose it all when, as I said, when someone makes a bad decision in government, then it drops whatever it is, 10%,\n\nChannel 0: Yeah.\n\nChannel 1: the shares. And then and then they take it out. As you said, it's like a double whammy. So there's $10 off that and put 15. So, really quick.\n\nExcuse me. I could have $15 extra in my account each. Yeah.\n\nChannel 0: Yeah. It's about like a five and five club thing. Actually, while you mention it, there's there's three things that we can consider. You let me know what you think about this. You don't have to decide on it today.\n\nI'll do the research and and put it together in a document for you. But\n\nChannel 1: Yep.\n\nChannel 0: let's say you stay with what you've currently got and I switch out that one option, and it's doing the high growth thing. Right? So, basically, it goes up and down like the roller coaster ride with whatever happens on the news.\n\nChannel 1: Yep.\n\nChannel 0: Over five years, it'll average out at that 12 to 14%. Amazing. Incredible. Right? But you're gonna be seeing it going up and down that 10 to $15 mark you've been noticing.\n\nChannel 1: Yep.\n\nChannel 0: The second option is I don't know if it'll be a benefit to you. I'll check. We have something called an SMA bubble where we can put you on a bit of a lower fee menu inside Hub, but we can bring all your investments across into a bubble. And then hope you and a manager like we're using BlackRock at the moment. We can actually switch out some of those investments throughout the year without having to wait for a review and a whole new document.\n\nSo it makes things a little bit quicker on for your account.\n\nChannel 1: Yep.\n\nChannel 0: So all I'm saying is we stay with where we are in engine tune up, it is gonna be going up and down like a roller coaster. Good five\n\nChannel 1: Yeah.\n\nChannel 0: year\n\nChannel 1: I\n\nChannel 0: returns,\n\nChannel 1: would\n\nChannel 0: but it'll\n\nChannel 1: yeah.\n\nChannel 0: still\n\nChannel 1: Yeah.\n\nChannel 0: happen like that.\n\nChannel 1: Yeah. I\n\nChannel 0: The\n\nChannel 1: I understand all that, and I'm happy with that. But you're saying if we put it into a bubble, which could be shifted in and out without too many fees and without like, if so if it starts to go down, you can pull it out and hold it. And then once it stops, go back into it with the lower thing and buy obviously, buy more sheets.\n\nChannel 0: Correct.\n\nChannel 1: And then once it goes\n\nChannel 0: No.\n\nChannel 1: up\n\nChannel 0: So\n\nChannel 1: again,\n\nChannel 0: that's\n\nChannel 1: you\n\nChannel 0: the\n\nChannel 1: see\n\nChannel 0: only\n\nChannel 1: the guide?\n\nChannel 0: thing\n\nChannel 1: That's oh,\n\nChannel 0: that's\n\nChannel 1: that\n\nChannel 0: the only\n\nChannel 1: doesn't\n\nChannel 0: thing\n\nChannel 1: what\n\nChannel 0: that\n\nChannel 1: happened?\n\nChannel 0: it can't go that full. So what happens in that bubble is if one of the options is doing really bad, they can switch them out with one that's not dropping as much. So if your account was gonna\n\nChannel 1: Okay.\n\nChannel 0: drop 30%, it may only go down 15%. It smooths the returns out, but it will never do that all the way to cash and then back in again kind of thing. It'll\n\nChannel 1: Okay.\n\nChannel 0: do\n\nChannel 1: Yep.\n\nChannel 0: something like that, but it's not so bad to break.\n\nChannel 1: Okay.\n\nChannel 0: K? Only reason being is if we tried to do that with these guys, if we mistimed it at all, I've seen this happen a lot where people pull the money out and then they miss it on the way back up again, and they\n\nChannel 1: Yep.\n\nChannel 0: they miss that really good chunk of bounce back.\n\nChannel 1: Yep.\n\nChannel 0: So I can reduce the risk like that like we were saying a little bit. It'll do a pretty good amount, but it won't be full zero to a 100. You'll never lose the same kind of thing. It'll\n\nChannel 1: Oh,\n\nChannel 0: just be\n\nChannel 1: no. That\n\nChannel 0: less volatile\n\nChannel 1: but that's with\n\nChannel 0: for\n\nChannel 1: everything.\n\nChannel 0: the same risk level.\n\nChannel 1: Yeah. But that's with everything. You you never you never get a 100% back on other things. As I said to I think originally, I should have put up everything in Bitcoin. I'd be a millionaire almost by now.\n\nChannel 0: Yeah. Well, that's had a smart little bit of a crash recently too. So\n\nChannel 1: Yeah.\n\nChannel 0: whether\n\nChannel 1: Well,\n\nChannel 0: that's a\n\nChannel 1: yeah.\n\nChannel 0: buying opportunity or not.\n\nChannel 1: Yeah. Well but, you know, it was down something like 15,000 or something like that for per coin. So but now the highest for wanna get up to about a 130?\n\nChannel 0: Yeah. And then back to that $86.90. But, yeah,\n\nChannel 1: Yeah.\n\nChannel 0: I remember\n\nChannel 1: So\n\nChannel 0: those days when it was sitting at $1,520,000.\n\nChannel 1: yeah. So it you're still you're still well in front if that makes any sense at this\n\nChannel 0: Yeah.\n\nChannel 1: point\n\nChannel 0: 100\n\nChannel 1: in time.\n\nChannel 0: percent.\n\nChannel 1: So but then but you guys weren't geared to do that back then. I don't know if you are now.\n\nChannel 0: So oh, well, where our mandate is kinda like, if you've got people's cruise ship going through retirement, you've gotta keep it somewhat safe. And\n\nChannel 1: Yes.\n\nChannel 0: chucking it into something that can go up or down 80% in a year is about too far for us to travel for retirement funds. We do it a little bit for people's personal investment, but not for retirement. We have to get a\n\nChannel 1: Yes.\n\nChannel 0: a certain level of, not guarantee, but a bit of certainty that they'll actually get there.\n\nChannel 1: Yeah. No. I understand that. Understand\n\nChannel 0: Cool. So\n\nChannel 1: it,\n\nChannel 0: let\n\nChannel 1: totally.\n\nChannel 0: me research that bubble option for you. I'll I'll find the the replacement option anyway just in case, and then I'll\n\nChannel 1: Yep.\n\nChannel 0: compare the two and and give you a recommendation.\n\nChannel 1: Well, look, whatever you come up with, I'm happy with whatever.\n\nChannel 0: Yep.\n\nChannel 1: And I still gotta send the paperwork. I still gotta sign it, send it back, and give it all the approval scenario. But,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, whatever you whatever you're fine and do, I'm more than happy with that because even though when I was with Australian Super, my it actually keep growing every year except for the last year I was in. And that started out at $30,000.\n\nChannel 0: Yeah.\n\nChannel 1: And that was, what, twenty years ago.\n\nChannel 0: And if you don't mind me asking, who set up that one path policy for you all those years ago?\n\nChannel 1: That was somebody through Australian Super. They said, well, you should do this. And I said, alright. Okay. But it was only $121,200 dollars for this initial first time for the insurance.\n\nChannel 0: Yeah.\n\nChannel 1: Oh, this is pretty good. And then I looked at it and it went up pretty quick.\n\nChannel 0: Yeah. I think when we when you came across the Oakview, it was about 2,800. And then very quickly, it's 4 and then 6. And then, look, I've I've seen this play out many times before where I get\n\nChannel 1: Yep.\n\nChannel 0: people come through the door at sixty, and they're paying 12 to $20,000 in insurance premium. And I just no. That's not what I would like to do is keep an eye on it yearly and stop it from going backwards.\n\nChannel 1: Yeah. No. If you're gonna pay $20, I I want at least 20,000,000.\n\nChannel 0: Yeah. And it's weird, isn't it? People start off with a million dollars worth of cover for a thousand bucks, and then when they get old and actually need it, oh, here's your $200 for $10,000 a year, and it just becomes a joke at that point.\n\nChannel 1: Yeah. No. That's right.\n\nChannel 0: Good thing is at least getting close to that mortgage being finished. So there's less need for having this big lump sum to cover a $700,000 mortgage or anything like that. So if we don't\n\nChannel 1: Yep.\n\nChannel 0: need it, it's that's the\n\nChannel 1: Now,\n\nChannel 0: balancing\n\nChannel 1: as\n\nChannel 0: act.\n\nChannel 1: I said, the mortgage is about 250. If I can keep it around 3\n\nChannel 0: Yep.\n\nChannel 1: 100, and the lower we get it, the quicker we get it. And if it well, it gives the girls a bit of a a secure living for the rest of their lives. So, you know, gives them\n\nChannel 0: Yeah.\n\nChannel 1: a bit of\n\nChannel 0: Yeah.\n\nChannel 1: a head\n\nChannel 0: That'll\n\nChannel 1: start even\n\nChannel 0: definitely\n\nChannel 1: though\n\nChannel 0: help\n\nChannel 1: my eldest\n\nChannel 0: split\n\nChannel 1: is\n\nChannel 0: three lines.\n\nChannel 1: yeah. My my eldest is married now and got her own home, but the other two is still at home. And the youngest is\n\nChannel 0: Yeah.\n\nChannel 1: still doing a VCE this year. So even though she is 18\n\nChannel 0: In terms of estate planning, are you happy for sorry. Did you you didn't know putting, like, a will in place or anything like that? I'm assuming a bit of a busy.\n\nChannel 1: no. My wife and I keep meaning to do it, but we never get around to it.\n\nChannel 0: No. That's fair enough. It is one of those impositions where it takes a bit of time. But in terms of the where everything goes, are you wanting all the soup and the life insurance to go to your wife in in the first step, or where would you prefer that order?\n\nChannel 1: They probably go to the wife first then to the kids afterwards. She'll\n\nChannel 0: Yeah.\n\nChannel 1: she'll\n\nChannel 0: Because\n\nChannel 1: be the\n\nChannel 0: she\n\nChannel 1: same.\n\nChannel 0: will have yeah. She'd have her own beneficiaries and stuff like that. So we'll put it to there first. And I'll double check that one path should still be there when we get the quotes done. Alrighty.\n\nChris, outside of that, I just wanted to ask you if there's been any major changes in all the other assets in terms of the vehicles and credit card and everything like that?\n\nChannel 1: No. I don't believe so. What have we got? The last well, we had the Everest. We still got that, which is in, theoretically, the company's name, but that's the Watts car.\n\nI bought another\n\nChannel 0: Yep.\n\nChannel 1: vehicle for work, a Ford Transit, a cab chassis,\n\nChannel 0: Yep.\n\nChannel 1: and put a box on the back of it. So let me see what the VE wagon and the Toyota Huayas.\n\nChannel 0: Yep.\n\nChannel 1: I do I\n\nChannel 0: And\n\nChannel 1: do get dad's\n\nChannel 0: your\n\nChannel 1: car,\n\nChannel 0: daughter's got the cruise.\n\nChannel 1: yeah, which is registered in my name\n\nChannel 0: Yeah.\n\nChannel 1: as well. I think that's it.\n\nChannel 0: And just in terms of savings, I think we had about 26,000 in savings off to the side, not including the offset.\n\nChannel 1: It's dropped a little bit. Nothing that's around about 12, but we're trying to build\n\nChannel 0: Yeah.\n\nChannel 1: that back up.\n\nChannel 0: Put that back up.\n\nChannel 1: Because, yeah, because Liz's mom passed away in April.\n\nChannel 0: Okay.\n\nChannel 1: So we spent a bit of money between that and with other things.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: But we know we'll get that back later. So\n\nChannel 0: Absolutely. Alright. So that's all up to date. Thank you for that. Alright.\n\nI pretty much have everything I need. Is there anything else you guys are focusing on for the next couple of years, or it just build back up the savings, finish\n\nChannel 1: No. I\n\nChannel 0: up\n\nChannel 1: just\n\nChannel 0: the mortgage,\n\nChannel 1: build\n\nChannel 0: look after the business? Yep.\n\nChannel 1: basically. Yeah. And look,\n\nChannel 0: Awesome.\n\nChannel 1: I think Liz is probably as soon as Charlie finishes school, she might drop a a day or two, but then she can also do what they call emergency teaching. And\n\nChannel 0: Yep.\n\nChannel 1: it works that she gets $500 a day with no responsibility. Just\n\nChannel 0: Yeah.\n\nChannel 1: go and\n\nChannel 0: Right.\n\nChannel 1: teach the kids.\n\nChannel 0: $500 a day.\n\nChannel 1: Yeah.\n\nChannel 0: That would\n\nChannel 1: And\n\nChannel 0: be a pretty good weekend.\n\nChannel 1: she well, put it this way, and she wouldn't have trouble getting a job either or getting well, getting she has a she's a teacher, but they call her in, and she wouldn't have trouble getting work on days that she wants to work.\n\nChannel 0: Yeah.\n\nChannel 1: Does that make sense?\n\nChannel 0: Absolutely. Always in need of good teachers, especially\n\nChannel 1: Yes.\n\nChannel 0: in the main areas.\n\nChannel 1: Yep.\n\nChannel 0: Alrighty. So we're looking pretty good there, Chris. Alright. I'll take this away with the team and put together that updated document research and plan for you.\n\nChannel 1: Congratulations.\n\nChannel 0: Just keep an ear out possibly in I've just come back from paternity leave myself, so I've been booked out for a couple of weeks.\n\nChannel 1: Congratulations.\n\nChannel 0: Thank you. Number three, so two boys and now a young daughter to add to it.\n\nChannel 1: Your wife will be as happy. It's it's all\n\nChannel 0: Yeah.\n\nChannel 1: get out.\n\nChannel 0: She\n\nChannel 1: Oh,\n\nChannel 0: is.\n\nChannel 1: so I'm trying to I'm trying to keep it clean here when I\n\nChannel 0: You're alright, Chris, but but she's she's happy not the outnumbered. We'll say that.\n\nChannel 1: Well, I'm I'm the opposite. I'm that number with all the girls.\n\nChannel 0: Yep. I can tell. I can tell. And you've helped them with the cars and everything, so I imagine\n\nChannel 1: Yeah.\n\nChannel 0: their\n\nChannel 1: I've\n\nChannel 0: father\n\nChannel 1: helped\n\nChannel 0: is\n\nChannel 1: them\n\nChannel 0: quite\n\nChannel 1: with\n\nChannel 0: helpful.\n\nChannel 1: it, but they but they but they paid for them themselves.\n\nChannel 0: Yeah.\n\nChannel 1: They've put they\n\nChannel 0: They\n\nChannel 1: worked\n\nChannel 0: now have to stand\n\nChannel 1: hard and\n\nChannel 0: on their\n\nChannel 1: put\n\nChannel 0: own two feet.\n\nChannel 1: yeah. They've my one that's doing second year uni now, she's paid for the cruise. We we've paid for it initially, but she's paid us back for that.\n\nChannel 0: Yep.\n\nChannel 1: Already, she did that in under twelve months, and she's a great saver.\n\nChannel 0: Awesome.\n\nChannel 1: She didn't\n\nChannel 0: Been\n\nChannel 1: have\n\nChannel 0: teaching\n\nChannel 1: the if she\n\nChannel 0: them.\n\nChannel 1: didn't have the car, she'd probably have maybe $20.30 grand in the bank.\n\nChannel 0: Yeah. Oh, fantastic. Especially in this economy. Most people are just stuck in the mud at the moment, so I'm glad to hear they're doing well.\n\nChannel 1: And she's 19. So\n\nChannel 0: Wow.\n\nChannel 1: Yeah. So she knows\n\nChannel 0: Alrighty.\n\nChannel 1: how to save.\n\nChannel 0: Yeah. Chris, I think I've got everything up to date. You haven't randomly changed address, I'm assuming. Palestine Court's\n\nChannel 1: No.\n\nChannel 0: still the main one.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: If we ever change address, it'll be I I believe it'll be going into a nursing home.\n\nChannel 0: Yep. Okay.\n\nChannel 1: My wife doesn't\n\nChannel 0: Aged care\n\nChannel 1: like\n\nChannel 0: advice\n\nChannel 1: change.\n\nChannel 0: to come down the line. Yeah. No. That's true. And given that you've still got a BigPond email, I'm assuming that's still current and okay.\n\nChannel 1: Right. Yep. Yep.\n\nChannel 0: Perfect. Just like my my uncle and my grandparents, everything's off the old BigPond. Then I go to the elder sibling, my parents, and everyone's got a Hotmail address, and everyone's on the old Gmail. It's just a generational thing, which email address people have.\n\nChannel 1: Yeah. Well well, just big fun because it's just easy when I when I set it up.\n\nChannel 0: Yeah.\n\nChannel 1: I've got a I've got a Gmail\n\nChannel 0: And they're\n\nChannel 1: account,\n\nChannel 0: always\n\nChannel 1: but I don't I can't log in to it. Let\n\nChannel 0: Yeah. And\n\nChannel 1: me\n\nChannel 0: it's\n\nChannel 1: log in\n\nChannel 0: also\n\nChannel 1: to\n\nChannel 0: probably\n\nChannel 1: it. So\n\nChannel 0: not not as safe as the big ponds too. Telstra is pretty on the spot when it comes to cybersecurity these days after all the things that have happened in the last five years.\n\nChannel 1: yes. I I believe they're pretty pissed off that they had that outage too a couple of weeks ago.\n\nChannel 0: Yeah. I imagine. National news.\n\nChannel 1: Yes. That that was across the country.\n\nChannel 0: Yeah. It was crazy. We we came in and ours was okay, but most of our clients nationwide were out for the morning. So you can imagine, I think we had about a 170 people booked in for various discussions, and I think we spoke to about 25 that day.\n\nChannel 1: Yeah. Well, that was the same. My daughter and I, we were in Mildura, and we had our\n\nChannel 0: Yep.\n\nChannel 1: we had all our services. And the nurses that come in to see the auntie, they didn't have phones or nothing.\n\nChannel 0: Oh, jeez. And these days, people don't have a reference in the car or anything like that.\n\nChannel 1: No. No. So yeah. Oh,\n\nChannel 0: Alrighty. Alright, Chris. I've got everything sorted, ready to go. I better let you enjoy your weekend there unless there's anything else I can help with today.\n\nChannel 1: if you see anything that we can look if it needs to be more aggressive or what have you, I'm happy to do whatever you think is the best way to go to keep it growing.\n\nChannel 0: K.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: so so far, I can't complain. I said it always seems to grow, but then someone does something stupid and it drops, but that's just part and parcel of it. But if it that didn't drop, I'd still I'm probably be closer to $80,000 now in there.\n\nChannel 0: Yeah. And the the most frustrating thing about that is that when I look at our portfolios, all the long term five, ten year performance is kind of the most of them, top 2% in the country. And very, very impressive even when I first came to IPO. I was very impressed with their portfolios, and\n\nChannel 1: Yep.\n\nChannel 0: all that's been happening in the last five years is just news article after news article. Normally, you get a, you know, a good five to seven years where everything kind of grows for a while before there's a GFC or a .com bubble. But lately, there just seems to be something every year or two that seems to blow\n\nChannel 1: Yep.\n\nChannel 0: up around the world. So it's been a not the best of periods, but\n\nChannel 1: No.\n\nChannel 0: hopefully,\n\nChannel 1: Same.\n\nChannel 0: they settle down next year.\n\nChannel 1: Yes. Hope so.\n\nChannel 0: And either way, let's say look. This is a future thing. Let's say we get you to 60 where you hit your preservation edge to access a super. If we're still trying to get it going as much as we can, we'll do transition to retirement strategy with you to bump up the contributions, you know, pull out a little bit, put it back in for a tax deduction. So there's a few things we can do down the line, but this is\n\nChannel 1: Okay.\n\nChannel 0: just trying to get it back going positive for the next five years. And then when we get the other options available, I'll be running you through them straight away.\n\nChannel 1: Not beautiful.\n\nChannel 0: Awesome, Chris.\n\nChannel 1: No worries.\n\nChannel 0: Mate, thank you very much for your time today. I appreciate it bouncing\n\nChannel 1: No. Thank\n\nChannel 0: between\n\nChannel 1: you.\n\nChannel 0: the car and the phone.\n\nChannel 1: Yep.\n\nChannel 0: No worries. And just keep an ear out in a couple of weeks for the team to book you in with me once that plan's pretty well finished, and\n\nChannel 1: Yep.\n\nChannel 0: I look forward to seeing what we can come up with for\n\nChannel 1: No worries. Beautiful.\n\nChannel 0: you. Awesome, Chris. Have a great weekend, mate.\n\nChannel 1: You too. Bye bye.\n\nChannel 0: Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.08,"end":0.58,"sentiment":"neutral","sentiment_score":0.03340922296047211}],"sentiment":"neutral","sentiment_score":0.03340922296047211,"channel":1,"num_words":1,"start":0.08,"end":0.58},{"sentences":[{"text":"Good afternoon, mister Hanson.","start":3.6799998,"end":5.04,"sentiment":"positive","sentiment_score":0.3437402695417404},{"text":"It's Tommy here, senior adviser over to you.","start":5.04,"end":6.96,"sentiment":"neutral","sentiment_score":0.23392279259860516},{"text":"How are you doing?","start":6.96,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.25583161041140556},{"text":"Right.","start":9.84,"end":10.08,"sentiment":"positive","sentiment_score":0.4757830500602722},{"text":"I'm living the dream.","start":10.08,"end":10.88,"sentiment":"positive","sentiment_score":0.6902377307415009}],"sentiment":"positive","sentiment_score":0.35744780160131906,"channel":0,"num_words":21,"start":3.6799998,"end":10.88},{"sentences":[{"text":"It's a beautiful Friday.","start":10.88,"end":12.08,"sentiment":"positive","sentiment_score":0.8309783488512039},{"text":"Happy Friday to you, sir.","start":12.08,"end":13.46,"sentiment":"positive","sentiment_score":0.8118797183036804}],"sentiment":"positive","sentiment_score":0.8203679985470242,"channel":0,"num_words":9,"start":10.88,"end":13.46},{"sentences":[{"text":"I'm glad you're living the dream.","start":14.895,"end":16.435001,"sentiment":"positive","sentiment_score":0.7910718023777008}],"sentiment":"positive","sentiment_score":0.7910718023777008,"channel":1,"num_words":6,"start":14.895,"end":16.435001},{"sentences":[{"text":"Yep.","start":18.285,"end":18.605,"sentiment":"neutral","sentiment_score":0.25172027945518494},{"text":"It's like, glad someone is.","start":18.605,"end":20.125,"sentiment":"positive","sentiment_score":0.3661088764667511},{"text":"Let me know if you find out whose dream it is, though.","start":20.125,"end":22.544998,"sentiment":"neutral","sentiment_score":0.11281350006659825}],"sentiment":"neutral","sentiment_score":0.1908903701437844,"channel":0,"num_words":18,"start":18.285,"end":22.544998},{"sentences":[{"text":"Yeah.","start":22.975,"end":23.475,"sentiment":"neutral","sentiment_score":0.10551054775714874}],"sentiment":"neutral","sentiment_score":0.10551054775714874,"channel":1,"num_words":1,"start":22.975,"end":23.475},{"sentences":[{"text":"Right.","start":25.085,"end":25.404999,"sentiment":"neutral","sentiment_score":0.1290683150291443},{"text":"Absolutely.","start":25.404999,"end":25.904999,"sentiment":"neutral","sentiment_score":0.17972078919410706}],"sentiment":"neutral","sentiment_score":0.15439455211162567,"channel":0,"num_words":2,"start":25.085,"end":25.904999},{"sentences":[{"text":"Yes.","start":25.695,"end":26.195,"sentiment":"neutral","sentiment_score":0.12182379513978958}],"sentiment":"neutral","sentiment_score":0.12182379513978958,"channel":1,"num_words":1,"start":25.695,"end":26.195},{"sentences":[{"text":"I have a few things I wanted to run through with you today.","start":26.125,"end":30.27,"sentiment":"neutral","sentiment_score":0.03981930189407789},{"text":"Your","start":30.730001,"end":31.230001,"sentiment":"neutral","sentiment_score":-0.0678199976682663}],"sentiment":"neutral","sentiment_score":0.03213078049676759,"channel":0,"num_words":14,"start":26.125,"end":31.230001},{"sentences":[{"text":"Yep.","start":31.0,"end":31.5,"sentiment":"neutral","sentiment_score":-0.04882577061653137}],"sentiment":"neutral","sentiment_score":-0.04882577061653137,"channel":1,"num_words":1,"start":31.0,"end":31.5},{"sentences":[{"text":"essentially, your file has been kind of escalated to me as senior adviser because there's a few bit of creative workarounds I'm I'm kind of thinking of.","start":32.09,"end":39.77,"sentiment":"neutral","sentiment_score":-0.1532543941780373},{"text":"Mate, do you 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seconds","start":43.725002,"end":45.425,"sentiment":"neutral","sentiment_score":0.0019268091768026353}],"sentiment":"neutral","sentiment_score":0.0025357577639321485,"channel":1,"num_words":6,"start":43.325,"end":45.425},{"sentences":[{"text":"No worries.","start":46.394997,"end":47.135,"sentiment":"neutral","sentiment_score":-0.012508245185017586}],"sentiment":"neutral","sentiment_score":-0.012508245185017586,"channel":0,"num_words":2,"start":46.394997,"end":47.135},{"sentences":[{"text":"because that's the moment I've got you running through my head, please.","start":47.245003,"end":50.065002,"sentiment":"neutral","sentiment_score":-0.03359753886858622}],"sentiment":"neutral","sentiment_score":-0.03359753886858622,"channel":1,"num_words":12,"start":47.245003,"end":50.065002},{"sentences":[{"text":"Okay.","start":50.795,"end":51.295,"sentiment":"neutral","sentiment_score":0.022324223071336743},{"text":"No","start":51.675,"end":51.914997,"sentiment":"neutral","sentiment_score":0.024902530014514923}],"sentiment":"neutral","sentiment_score":0.023613376542925835,"channel":0,"num_words":2,"start":50.795,"end":51.914997},{"sentences":[{"text":"And","start":51.885002,"end":52.045,"sentiment":"neutral","sentiment_score":-0.013137571513652802}],"sentiment":"neutral","sentiment_score":-0.013137571513652802,"channel":1,"num_words":1,"start":51.885002,"end":52.045},{"sentences":[{"text":"worries.","start":51.914997,"end":52.414997,"sentiment":"neutral","sentiment_score":0.00120396725833416}],"sentiment":"neutral","sentiment_score":0.00120396725833416,"channel":0,"num_words":1,"start":51.914997,"end":52.414997},{"sentences":[{"text":"I'll just put you straight to the car.","start":52.045,"end":55.62,"sentiment":"neutral","sentiment_score":0.009415798005647957},{"text":"Yep.","start":64.88,"end":65.38,"sentiment":"neutral","sentiment_score":0.10527991503477097}],"sentiment":"neutral","sentiment_score":0.0200673665644394,"channel":1,"num_words":9,"start":52.045,"end":65.38},{"sentences":[{"text":"Awesome.","start":68.659996,"end":69.06,"sentiment":"neutral","sentiment_score":0.253773957490921},{"text":"Can you hear me okay there?","start":69.06,"end":70.6,"sentiment":"neutral","sentiment_score":0.0914553813636303},{"text":"Sensational.","start":73.085,"end":73.585,"sentiment":"neutral","sentiment_score":-0.006452139001339674},{"text":"Okay.","start":73.965,"end":74.284996,"sentiment":"neutral","sentiment_score":0.018101226538419724},{"text":"So what I wanted to do to start with is just quickly check.","start":74.284996,"end":77.565,"sentiment":"neutral","sentiment_score":0.022446107405882616}],"sentiment":"neutral","sentiment_score":0.05027066952210258,"channel":0,"num_words":22,"start":68.659996,"end":77.565},{"sentences":[{"text":"Do you remember your OU password?","start":77.565,"end":79.665,"sentiment":"neutral","sentiment_score":-0.011905192397534847}],"sentiment":"neutral","sentiment_score":-0.011905192397534847,"channel":0,"num_words":6,"start":77.565,"end":79.665},{"sentences":[{"text":"Ziggy.","start":80.9,"end":81.4,"sentiment":"neutral","sentiment_score":-0.00965636782348156}],"sentiment":"neutral","sentiment_score":-0.00965636782348156,"channel":1,"num_words":1,"start":80.9,"end":81.4},{"sentences":[{"text":"Mhmm.","start":81.645,"end":82.145,"sentiment":"neutral","sentiment_score":0.005821313243359327},{"text":"Ziggy, sensational.","start":82.365,"end":83.425,"sentiment":"neutral","sentiment_score":0.04633699730038643},{"text":"And are you okay for the call to be recorded?","start":83.485,"end":85.345,"sentiment":"neutral","sentiment_score":0.003784169256687164}],"sentiment":"neutral","sentiment_score":0.010487461570077218,"channel":0,"num_words":13,"start":81.645,"end":85.345},{"sentences":[{"text":"Yep.","start":86.26,"end":86.76,"sentiment":"neutral","sentiment_score":0.06858139485120773}],"sentiment":"neutral","sentiment_score":0.06858139485120773,"channel":1,"num_words":1,"start":86.26,"end":86.76},{"sentences":[{"text":"Perfect.","start":87.45,"end":87.95,"sentiment":"neutral","sentiment_score":0.29549673199653625},{"text":"Perfect.","start":88.01,"end":88.409996,"sentiment":"neutral","sentiment_score":0.24616017937660217},{"text":"So, Chris, having a look at your file there and your previous conversation with Kyle, one of our advisers, you have a little bit of an issue with insurance premium stopping your super from growing at the moment no matter how much it's trying to grow.","start":88.409996,"end":102.585,"sentiment":"neutral","sentiment_score":-0.16900579056338125},{"text":"Does that sound about right?","start":102.585,"end":103.885,"sentiment":"neutral","sentiment_score":-0.16426000893115997}],"sentiment":"neutral","sentiment_score":-0.15196055658864524,"channel":0,"num_words":53,"start":87.45,"end":103.885},{"sentences":[{"text":"That's very,","start":104.48,"end":105.44,"sentiment":"neutral","sentiment_score":-0.12182644754648209}],"sentiment":"neutral","sentiment_score":-0.12182644754648209,"channel":1,"num_words":2,"start":104.48,"end":105.44},{"sentences":[{"text":"Okay.","start":105.225,"end":105.725,"sentiment":"neutral","sentiment_score":-0.05670323967933655}],"sentiment":"neutral","sentiment_score":-0.05670323967933655,"channel":0,"num_words":1,"start":105.225,"end":105.725},{"sentences":[{"text":"very, very 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OnePath.","start":112.62,"end":122.880005,"sentiment":"neutral","sentiment_score":-0.12218454009608219}],"sentiment":"neutral","sentiment_score":-0.1707324814796448,"channel":0,"num_words":50,"start":107.305,"end":122.880005},{"sentences":[{"text":"Yep.","start":124.354996,"end":124.854996,"sentiment":"neutral","sentiment_score":-0.04239417240023613}],"sentiment":"neutral","sentiment_score":-0.04239417240023613,"channel":1,"num_words":1,"start":124.354996,"end":124.854996},{"sentences":[{"text":"Now the only concern I've got is because your premiums are well over 6,000 now, that's the main 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all.","start":133.215,"end":154.06,"sentiment":"neutral","sentiment_score":-0.2174303486570716}],"sentiment":"neutral","sentiment_score":-0.2174303486570716,"channel":0,"num_words":50,"start":133.215,"end":154.06},{"sentences":[{"text":"Yep.","start":155.115,"end":155.615,"sentiment":"neutral","sentiment_score":-0.0548650324344635}],"sentiment":"neutral","sentiment_score":-0.0548650324344635,"channel":1,"num_words":1,"start":155.115,"end":155.615},{"sentences":[{"text":"So even though I found one that would probably trim the premiums down maybe a thousand dollars, the exclusion kind of lean towards, for me, not a good idea.","start":156.575,"end":168.675,"sentiment":"negative","sentiment_score":-0.5424285777683916},{"text":"So I've got a few other ideas 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mortgage.","start":181.505,"end":189.285,"sentiment":"positive","sentiment_score":0.35047985672950743}],"sentiment":"neutral","sentiment_score":0.31302584305002884,"channel":0,"num_words":37,"start":175.67,"end":189.285},{"sentences":[{"text":"Yeah.","start":190.185,"end":190.685,"sentiment":"neutral","sentiment_score":0.15251559019088745}],"sentiment":"neutral","sentiment_score":0.15251559019088745,"channel":1,"num_words":1,"start":190.185,"end":190.685},{"sentences":[{"text":"So I've got here that you've got about 260,000 owing and about $2.40 in the offset account, which I just wanted to double check with you, Chris.","start":191.905,"end":204.49,"sentiment":"neutral","sentiment_score":0.12832570186367742},{"text":"The the money in the offset, that would be on top, wouldn't it?","start":204.55,"end":207.59001,"sentiment":"neutral","sentiment_score":0.07357539035953008},{"text":"So you'd be owing maybe 500,000 with $2.40 in 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$2.50.","start":228.98,"end":231.0,"sentiment":"neutral","sentiment_score":-0.14188343286514282},{"text":"And","start":232.595,"end":232.995,"sentiment":"neutral","sentiment_score":-0.005622923374176025}],"sentiment":"neutral","sentiment_score":-0.1469042512277762,"channel":1,"num_words":18,"start":214.085,"end":232.995},{"sentences":[{"text":"Yep.","start":232.68,"end":233.18,"sentiment":"neutral","sentiment_score":0.03894937038421631}],"sentiment":"neutral","sentiment_score":0.03894937038421631,"channel":0,"num_words":1,"start":232.68,"end":233.18},{"sentences":[{"text":"we're also at $2.20, I think it is now.","start":232.995,"end":235.895,"sentiment":"neutral","sentiment_score":0.042422822366158165}],"sentiment":"neutral","sentiment_score":0.042422822366158165,"channel":1,"num_words":9,"start":232.995,"end":235.895},{"sentences":[{"text":"Right.","start":236.805,"end":237.045,"sentiment":"neutral","sentiment_score":0.06314127892255783},{"text":"So you may only have about $30 left to pay off.","start":237.045,"end":239.785,"sentiment":"neutral","sentiment_score":0.058547529645941475}],"sentiment":"neutral","sentiment_score":0.058930342085659504,"channel":0,"num_words":12,"start":236.805,"end":239.785},{"sentences":[{"text":"You ready for?","start":240.435,"end":241.155,"sentiment":"neutral","sentiment_score":0.0597315343717734},{"text":"Yes.","start":241.155,"end":241.655,"sentiment":"neutral","sentiment_score":0.1097516417503357}],"sentiment":"neutral","sentiment_score":0.07223656121641397,"channel":1,"num_words":4,"start":240.435,"end":241.655},{"sentences":[{"text":"Alright.","start":243.205,"end":243.685,"sentiment":"neutral","sentiment_score":0.24380885064601895},{"text":"With $2.50 k owing sensational.","start":243.685,"end":247.785,"sentiment":"positive","sentiment_score":0.36940920948982237}],"sentiment":"positive","sentiment_score":0.3484758163491885,"channel":0,"num_words":6,"start":243.205,"end":247.785},{"sentences":[{"text":"We'll put 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regardless.","start":382.725,"end":384.185,"sentiment":"neutral","sentiment_score":-0.014394554030150174},{"text":"That's what it read out.","start":384.805,"end":386.025,"sentiment":"neutral","sentiment_score":-0.01118297753855586}],"sentiment":"neutral","sentiment_score":-0.02752811904065311,"channel":1,"num_words":20,"start":378.885,"end":386.025},{"sentences":[{"text":"Yeah.","start":385.645,"end":386.145,"sentiment":"neutral","sentiment_score":-0.004050500690937042},{"text":"So one of the things we can do, there's there's basically three things that we've gotta do, is number one, we have to trim trim that insurance policy down because it's just it's just too much.","start":387.36,"end":399.06,"sentiment":"neutral","sentiment_score":-0.10429271390765077},{"text":"No amount of investments I could pick will offset that.","start":400.715,"end":404.415,"sentiment":"neutral","sentiment_score":-0.18353671133518218}],"sentiment":"neutral","sentiment_score":-0.1190203258450678,"channel":0,"num_words":47,"start":385.645,"end":404.415},{"sentences":[{"text":"Yeah.","start":405.03497,"end":405.275,"sentiment":"neutral","sentiment_score":0.010552410036325456},{"text":"But it's always the premium's always going up, but also the amount I've insured for is going up as well.","start":405.275,"end":412.495,"sentiment":"neutral","sentiment_score":0.06301903072744608},{"text":"Hypothetically","start":413.275,"end":413.775,"sentiment":"neutral","sentiment_score":0.0165567584335804}],"sentiment":"neutral","sentiment_score":0.05852226286449216,"channel":1,"num_words":22,"start":405.03497,"end":413.775},{"sentences":[{"text":"Yeah.","start":413.28998,"end":413.69,"sentiment":"neutral","sentiment_score":0.03123260848224163},{"text":"They've got indexation linked to 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care.","start":436.52502,"end":439.265,"sentiment":"neutral","sentiment_score":-0.1178165152668953}],"sentiment":"neutral","sentiment_score":-0.1178165152668953,"channel":1,"num_words":14,"start":436.52502,"end":439.265},{"sentences":[{"text":"Yep.","start":439.91,"end":440.41,"sentiment":"neutral","sentiment_score":0.00659542391076684}],"sentiment":"neutral","sentiment_score":0.00659542391076684,"channel":0,"num_words":1,"start":439.91,"end":440.41},{"sentences":[{"text":"And that way, the premium doesn't keep going up either.","start":442.125,"end":445.105,"sentiment":"neutral","sentiment_score":0.0493915468454361}],"sentiment":"neutral","sentiment_score":0.0493915468454361,"channel":1,"num_words":10,"start":442.125,"end":445.105},{"sentences":[{"text":"Problem you've got too, though, is with the age based increases from age 55 to age 62, they're gonna jump it up a couple of grand a year just based on age as well.","start":446.23,"end":459.295,"sentiment":"neutral","sentiment_score":-0.2924639814916779}],"sentiment":"neutral","sentiment_score":-0.2924639814916779,"channel":0,"num_words":34,"start":446.23,"end":459.295},{"sentences":[{"text":"Yep.","start":462.795,"end":463.295,"sentiment":"neutral","sentiment_score":0.10228168964385986}],"sentiment":"neutral","sentiment_score":0.10228168964385986,"channel":1,"num_words":1,"start":462.795,"end":463.295},{"sentences":[{"text":"So they always do both, which is they up the cover, but they also increase prices every year in line with age.","start":464.25,"end":471.22998,"sentiment":"neutral","sentiment_score":0.02490192245353352},{"text":"So we'd probably have to trim it down a bit further than 400,000 and try and keep it at that level.","start":471.44998,"end":476.66998,"sentiment":"neutral","sentiment_score":-0.08770619279571942},{"text":"Whether that's 300 or 200, I I kinda wanna be guided by you on that, and I can get some quotes drawn 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shares.","start":514.03503,"end":527.08,"sentiment":"neutral","sentiment_score":-0.030792351357820557},{"text":"So I wanna do a bit of an engine tune up and switch one option out just to","start":527.08,"end":532.505,"sentiment":"neutral","sentiment_score":0.10339780814117855}],"sentiment":"neutral","sentiment_score":0.017291754866478805,"channel":0,"num_words":81,"start":502.995,"end":532.505},{"sentences":[{"text":"Yep.","start":532.35,"end":532.85,"sentiment":"neutral","sentiment_score":0.06869372725486755}],"sentiment":"neutral","sentiment_score":0.06869372725486755,"channel":1,"num_words":1,"start":532.35,"end":532.85},{"sentences":[{"text":"kind of bump up the returns a little bit, if that's okay.","start":532.505,"end":535.485,"sentiment":"neutral","sentiment_score":0.11311321643491586}],"sentiment":"neutral","sentiment_score":0.11311321643491586,"channel":0,"num_words":12,"start":532.505,"end":535.485},{"sentences":[{"text":"Oh, that's fine.","start":536.11,"end":537.17,"sentiment":"positive","sentiment_score":0.4059036175409953}],"sentiment":"positive","sentiment_score":0.4059036175409953,"channel":1,"num_words":3,"start":536.11,"end":537.17},{"sentences":[{"text":"Cool.","start":538.025,"end":538.525,"sentiment":"positive","sentiment_score":0.5389693975448608},{"text":"And then on top of that, I did wanna ask you, just in terms of contributions, are you able to make any, or should I just base it on no contributions going forward for the time being?","start":538.66504,"end":547.79,"sentiment":"neutral","sentiment_score":0.08606941403972136}],"sentiment":"neutral","sentiment_score":0.09798783465827766,"channel":0,"num_words":38,"start":538.025,"end":547.79},{"sentences":[{"text":"Well, I keep saying that I'm gonna do it, but it never happens.","start":548.11505,"end":551.155,"sentiment":"neutral","sentiment_score":-0.08507321975552119},{"text":"But the to the ATO probably gonna start making contributions will I pay 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the account on it and see how we break that.","start":567.53,"end":573.68506,"sentiment":"neutral","sentiment_score":0.003958988562226295},{"text":"But see, I don't","start":574.54504,"end":575.42505,"sentiment":"neutral","sentiment_score":-0.0839512413367629}],"sentiment":"neutral","sentiment_score":-0.014548428258613536,"channel":1,"num_words":19,"start":567.53,"end":575.42505},{"sentences":[{"text":"Okay.","start":575.16,"end":575.66,"sentiment":"neutral","sentiment_score":-0.14311583340168}],"sentiment":"neutral","sentiment_score":-0.14311583340168,"channel":0,"num_words":1,"start":575.16,"end":575.66},{"sentences":[{"text":"get really afraid.","start":575.42505,"end":575.985,"sentiment":"neutral","sentiment_score":-0.3090565701325734},{"text":"I don't get my I don't get my tax return until the end of the financial year.","start":575.985,"end":580.80505,"sentiment":"neutral","sentiment_score":-0.3052223412429585},{"text":"So I don't 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allowance.","start":587.63,"end":589.41,"sentiment":"neutral","sentiment_score":0.33238979677359265}],"sentiment":"neutral","sentiment_score":0.22278873565105292,"channel":1,"num_words":26,"start":582.30505,"end":589.41},{"sentences":[{"text":"Yep.","start":590.195,"end":590.695,"sentiment":"positive","sentiment_score":0.4248763918876648}],"sentiment":"positive","sentiment_score":0.4248763918876648,"channel":0,"num_words":1,"start":590.195,"end":590.695},{"sentences":[{"text":"And so she was also sure I get the same sort of money.","start":590.82996,"end":594.52997,"sentiment":"positive","sentiment_score":0.3975690144758958},{"text":"I paid with it each week or each or each month, whatever, which way you wanna do 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comes","start":622.44,"end":623.24,"sentiment":"neutral","sentiment_score":0.1684002826611201}],"sentiment":"neutral","sentiment_score":0.1853251275089052,"channel":0,"num_words":9,"start":621.16,"end":623.24},{"sentences":[{"text":"Yep.","start":623.15,"end":623.65,"sentiment":"neutral","sentiment_score":0.1555100679397583}],"sentiment":"neutral","sentiment_score":0.1555100679397583,"channel":1,"num_words":1,"start":623.15,"end":623.65},{"sentences":[{"text":"to with the account and the contribution, is you can either do a regular contribution throughout the year, or if you get to every end of financial year, you can do, like, a one off contribution.","start":623.24,"end":633.82,"sentiment":"neutral","sentiment_score":0.13387304523752797},{"text":"Like, let's say you're pulling it inside your offset account all year, and then in June, you just whack in two, five, 10, whatever the figure 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a week into the plan and send you the payment details for it.","start":666.215,"end":670.47504,"sentiment":"neutral","sentiment_score":0.17448033818176814}],"sentiment":"neutral","sentiment_score":0.17448033818176814,"channel":0,"num_words":14,"start":666.215,"end":670.47504},{"sentences":[{"text":"Yep.","start":671.23004,"end":671.73004,"sentiment":"neutral","sentiment_score":0.18424908816814425}],"sentiment":"neutral","sentiment_score":0.18424908816814425,"channel":1,"num_words":1,"start":671.23004,"end":671.73004},{"sentences":[{"text":"And then if you're able to like, if we get that rolling, I'll I'll build you a plan where we basically say, we trim down the insurances, fix up this investment option, and put in $10 a week, and then we'll help you with the form to claim that for tax at the end of financial 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sound?","start":701.085,"end":701.905,"sentiment":"neutral","sentiment_score":0.27916091680526733}],"sentiment":"neutral","sentiment_score":0.21469910815358162,"channel":0,"num_words":40,"start":689.565,"end":701.905},{"sentences":[{"text":"Sounds good.","start":702.83997,"end":703.56,"sentiment":"positive","sentiment_score":0.5526889711618423},{"text":"Now a quick question.","start":703.56,"end":704.86,"sentiment":"neutral","sentiment_score":0.0715594831854105}],"sentiment":"neutral","sentiment_score":0.23193597917755446,"channel":1,"num_words":6,"start":702.83997,"end":704.86},{"sentences":[{"text":"Yep.","start":705.88995,"end":706.38995,"sentiment":"neutral","sentiment_score":0.03481816500425339}],"sentiment":"neutral","sentiment_score":0.03481816500425339,"channel":0,"num_words":1,"start":705.88995,"end":706.38995},{"sentences":[{"text":"What I know it's what are we gonna pay now?","start":705.96,"end":708.68,"sentiment":"neutral","sentiment_score":-0.02184016313403845},{"text":"Living percent on our what we get paid each year?","start":708.68,"end":715.20496,"sentiment":"neutral","sentiment_score":-0.001814221777021885}],"sentiment":"neutral","sentiment_score":-0.011827192455530166,"channel":1,"num_words":20,"start":705.96,"end":715.20496},{"sentences":[{"text":"It's about 12% if you're doing the old wages in SGC.","start":718.335,"end":722.59503,"sentiment":"neutral","sentiment_score":-0.03519688865212216}],"sentiment":"neutral","sentiment_score":-0.03519688865212216,"channel":0,"num_words":11,"start":718.335,"end":722.59503},{"sentences":[{"text":"Yeah.","start":723.90497,"end":724.06494,"sentiment":"neutral","sentiment_score":-0.012759734876453876},{"text":"What what I was saying, maybe if we work it out with 12% is out of 25,000, then maybe we could put that 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article.","start":2127.2202,"end":2132.12,"sentiment":"neutral","sentiment_score":0.04132769629359245},{"text":"Normally, you get a, you know, a good five to seven years where everything kind of grows for a while before there's a GFC or a .com bubble.","start":2132.82,"end":2139.56,"sentiment":"neutral","sentiment_score":-0.05761630194527762},{"text":"But lately, there just seems to be something every year or two that seems to blow","start":2139.7852,"end":2143.7852,"sentiment":"neutral","sentiment_score":-0.2778108036145568}],"sentiment":"neutral","sentiment_score":-0.08994976952672004,"channel":0,"num_words":60,"start":2127.2202,"end":2143.7852},{"sentences":[{"text":"Yep.","start":2143.67,"end":2144.17,"sentiment":"neutral","sentiment_score":-0.3223026692867279}],"sentiment":"neutral","sentiment_score":-0.3223026692867279,"channel":1,"num_words":1,"start":2143.67,"end":2144.17},{"sentences":[{"text":"up around the world.","start":2143.7852,"end":2144.585,"sentiment":"negative","sentiment_score":-0.3690636232495308},{"text":"So it's been a not the best of periods, but","start":2144.585,"end":2151.0652,"sentiment":"neutral","sentiment_score":-0.30409559309482576}],"sentiment":"neutral","sentiment_score":-0.3226578874247415,"channel":0,"num_words":14,"start":2143.7852,"end":2151.0652},{"sentences":[{"text":"No.","start":2150.8699,"end":2151.1099,"sentiment":"neutral","sentiment_score":-0.2142104208469391}],"sentiment":"neutral","sentiment_score":-0.2142104208469391,"channel":1,"num_words":1,"start":2150.8699,"end":2151.1099},{"sentences":[{"text":"hopefully,","start":2151.0652,"end":2151.465,"sentiment":"neutral","sentiment_score":-0.15765656530857086}],"sentiment":"neutral","sentiment_score":-0.15765656530857086,"channel":0,"num_words":1,"start":2151.0652,"end":2151.465},{"sentences":[{"text":"Same.","start":2151.1099,"end":2151.6099,"sentiment":"neutral","sentiment_score":-0.15460962057113647}],"sentiment":"neutral","sentiment_score":-0.15460962057113647,"channel":1,"num_words":1,"start":2151.1099,"end":2151.6099},{"sentences":[{"text":"they settle down next year.","start":2151.465,"end":2152.925,"sentiment":"neutral","sentiment_score":-0.1867991030216217}],"sentiment":"neutral","sentiment_score":-0.1867991030216217,"channel":0,"num_words":5,"start":2151.465,"end":2152.925},{"sentences":[{"text":"Yes.","start":2154.135,"end":2154.635,"sentiment":"neutral","sentiment_score":0.06114012748003006},{"text":"Hope so.","start":2154.7751,"end":2155.595,"sentiment":"neutral","sentiment_score":0.07931862026453018}],"sentiment":"neutral","sentiment_score":0.07325912266969681,"channel":1,"num_words":3,"start":2154.135,"end":2155.595},{"sentences":[{"text":"And either way, let's say look.","start":2157.71,"end":2161.6301,"sentiment":"neutral","sentiment_score":0.05706252406040827},{"text":"This is a future thing.","start":2161.6301,"end":2162.85,"sentiment":"neutral","sentiment_score":0.09527091979980469},{"text":"Let's say we get you to 60 where you hit your preservation edge to access a super.","start":2162.9102,"end":2167.1702,"sentiment":"neutral","sentiment_score":0.10762499470044584},{"text":"If we're still trying to get it going as much as we can, we'll do transition to retirement strategy with you to bump up the contributions, you know, pull out a little bit, put it back in for a tax deduction.","start":2167.635,"end":2179.955,"sentiment":"neutral","sentiment_score":0.10503777589012937},{"text":"So there's a few things we can do down the line, but this is","start":2179.955,"end":2182.95,"sentiment":"neutral","sentiment_score":0.0934774572295802}],"sentiment":"neutral","sentiment_score":0.09956129959010217,"channel":0,"num_words":83,"start":2157.71,"end":2182.95},{"sentences":[{"text":"Okay.","start":2182.76,"end":2183.26,"sentiment":"neutral","sentiment_score":0.09033683687448502}],"sentiment":"neutral","sentiment_score":0.09033683687448502,"channel":1,"num_words":1,"start":2182.76,"end":2183.26},{"sentences":[{"text":"just trying to get it back going positive for the next five years.","start":2182.95,"end":2186.71,"sentiment":"neutral","sentiment_score":0.20865553502853101},{"text":"And then when we get the other options available, I'll be running you through them straight away.","start":2186.71,"end":2191.6099,"sentiment":"neutral","sentiment_score":0.16713818951564677}],"sentiment":"neutral","sentiment_score":0.18512903923789661,"channel":0,"num_words":30,"start":2182.95,"end":2191.6099},{"sentences":[{"text":"Not beautiful.","start":2192.2751,"end":2192.935,"sentiment":"neutral","sentiment_score":0.12925341725349426}],"sentiment":"neutral","sentiment_score":0.12925341725349426,"channel":1,"num_words":2,"start":2192.2751,"end":2192.935},{"sentences":[{"text":"Awesome, Chris.","start":2195.125,"end":2195.945,"sentiment":"positive","sentiment_score":0.5720600038766861}],"sentiment":"positive","sentiment_score":0.5720600038766861,"channel":0,"num_words":2,"start":2195.125,"end":2195.945},{"sentences":[{"text":"No worries.","start":2195.475,"end":2196.21,"sentiment":"positive","sentiment_score":0.40577973425388336}],"sentiment":"positive","sentiment_score":0.40577973425388336,"channel":1,"num_words":2,"start":2195.475,"end":2196.21},{"sentences":[{"text":"Mate, thank you very much for your time today.","start":2196.0852,"end":2198.0852,"sentiment":"positive","sentiment_score":0.7226225468847487},{"text":"I appreciate it bouncing","start":2198.0852,"end":2199.0452,"sentiment":"positive","sentiment_score":0.5627633333206177}],"sentiment":"positive","sentiment_score":0.6734350965573237,"channel":0,"num_words":13,"start":2196.0852,"end":2199.0452},{"sentences":[{"text":"No.","start":2198.77,"end":2198.93,"sentiment":"neutral","sentiment_score":0.12780547142028809},{"text":"Thank","start":2198.93,"end":2199.17,"sentiment":"neutral","sentiment_score":0.1835741400718689}],"sentiment":"neutral","sentiment_score":0.1556898057460785,"channel":1,"num_words":2,"start":2198.77,"end":2199.17},{"sentences":[{"text":"between","start":2199.0452,"end":2199.3652,"sentiment":"neutral","sentiment_score":0.30219683051109314}],"sentiment":"neutral","sentiment_score":0.30219683051109314,"channel":0,"num_words":1,"start":2199.0452,"end":2199.3652},{"sentences":[{"text":"you.","start":2199.17,"end":2199.67,"sentiment":"neutral","sentiment_score":0.2652055025100708}],"sentiment":"neutral","sentiment_score":0.2652055025100708,"channel":1,"num_words":1,"start":2199.17,"end":2199.67},{"sentences":[{"text":"the car and the phone.","start":2199.3652,"end":2200.5051,"sentiment":"positive","sentiment_score":0.38460925221443176}],"sentiment":"positive","sentiment_score":0.38460925221443176,"channel":0,"num_words":5,"start":2199.3652,"end":2200.5051},{"sentences":[{"text":"Yep.","start":2200.93,"end":2201.43,"sentiment":"neutral","sentiment_score":0.2003176063299179}],"sentiment":"neutral","sentiment_score":0.2003176063299179,"channel":1,"num_words":1,"start":2200.93,"end":2201.43},{"sentences":[{"text":"No worries.","start":2202.0852,"end":2202.8252,"sentiment":"neutral","sentiment_score":0.24055089056491852},{"text":"And just keep an ear out in a couple of weeks for the team to book you in with me once that plan's pretty well finished, and","start":2203.125,"end":2209.625,"sentiment":"positive","sentiment_score":0.35539167126019794}],"sentiment":"positive","sentiment_score":0.34747161741914423,"channel":0,"num_words":29,"start":2202.0852,"end":2209.625},{"sentences":[{"text":"Yep.","start":2209.57,"end":2210.07,"sentiment":"positive","sentiment_score":0.4119974374771118}],"sentiment":"positive","sentiment_score":0.4119974374771118,"channel":1,"num_words":1,"start":2209.57,"end":2210.07},{"sentences":[{"text":"I look forward to seeing what we can come up with for","start":2209.925,"end":2212.26,"sentiment":"positive","sentiment_score":0.5702046379446983}],"sentiment":"positive","sentiment_score":0.5702046379446983,"channel":0,"num_words":12,"start":2209.925,"end":2212.26},{"sentences":[{"text":"No worries.","start":2213.045,"end":2213.6848,"sentiment":"neutral","sentiment_score":0.32081642746925354},{"text":"Beautiful.","start":2213.6848,"end":2214.1848,"sentiment":"positive","sentiment_score":0.72161465883255}],"sentiment":"positive","sentiment_score":0.45441583792368573,"channel":1,"num_words":3,"start":2213.045,"end":2214.1848},{"sentences":[{"text":"you.","start":2215.3599,"end":2215.76,"sentiment":"positive","sentiment_score":0.6213334202766418},{"text":"Awesome, Chris.","start":2215.76,"end":2216.3198,"sentiment":"positive","sentiment_score":0.8254931569099426},{"text":"Have a great weekend, mate.","start":2216.3198,"end":2217.6199,"sentiment":"positive","sentiment_score":0.8198622345924378}],"sentiment":"positive","sentiment_score":0.7964538633823395,"channel":0,"num_words":8,"start":2215.3599,"end":2217.6199},{"sentences":[{"text":"You too.","start":2217.845,"end":2218.4048,"sentiment":"positive","sentiment_score":0.5471154302358627},{"text":"Bye bye.","start":2218.4048,"end":2219.065,"sentiment":"neutral","sentiment_score":0.3079095482826233}],"sentiment":"positive","sentiment_score":0.427512489259243,"channel":1,"num_words":4,"start":2217.845,"end":2219.065},{"sentences":[{"text":"Thank you.","start":2220.16,"end":2220.72,"sentiment":"positive","sentiment_score":0.6004675328731537},{"text":"Bye.","start":2220.72,"end":2221.22,"sentiment":"neutral","sentiment_score":-0.09836912155151369}],"sentiment":"positive","sentiment_score":0.3675219813982646,"channel":0,"num_words":3,"start":2220.16,"end":2221.22}]},"summary":{"result":"success","short":"During a conversation between Yep. senior advisers and Chris, they discuss the potential risks of over 6,000 insurance premiums and the potential double whammy effect on the premiums. They also discuss options for reducing risk and maintaining good health and career growth. The conversation touches on the benefits of using technology to keep connected to vehicles and the importance of good teachers in work. They also mention the need for better technology and cybersecurity in the future."},"intents":{"segments":[{"text":"So, Chris, having a look at your file there and your previous conversation with Kyle, one of our advisers, you have a little bit of an issue with insurance premium stopping your super from growing at the moment no matter how much it's trying to grow. Does that sound about right?","start_word":195,"end_word":245,"intents":[{"intent":"Resolve insurance premium issue","confidence_score":0.022285677}]},{"text":"the other insurers, they're most likely gonna offer you cover with, like, exclusions for potential issues with, like, the hand and back and things like that, which I don't think is is a very good deal for you because your current policy doesn't have any exclusions on it at all. Yep.","start_word":325,"end_word":375,"intents":[{"intent":"Discussing insurance coverage","confidence_score":0.0028927259}]},{"text":"So even though I found one that would probably trim the premiums down maybe a thousand dollars, the exclusion kind of lean towards, for me, not a good idea. So I've got a few other ideas instead. Yeah.","start_word":375,"end_word":412,"intents":[{"intent":"Discussing policy costs","confidence_score":0.00018975443},{"intent":"Explaining expected cost decrease","confidence_score":1.4292918e-7},{"intent":"Recalling insurance premium reduction","confidence_score":0.000007784857}]},{"text":"We were paying I think we're paying 2,000 a month for the mortgage itself. And we're saving about about we're only paying $80 a month. Yeah.","start_word":563,"end_word":588,"intents":[{"intent":"Discussing monthly payments","confidence_score":0.00084357464}]},{"text":"And then it grows up again another 10,000, then it drops back down from the premiums again. Does that make sense? Yeah.","start_word":666,"end_word":687,"intents":[{"intent":"Analyze premium level","confidence_score":0.00060704263}]},{"text":"Whether that's 300 or 200, I I kinda wanna be guided by you on that, and I can get some quotes drawn up.","start_word":1104,"end_word":1126,"intents":[{"intent":"Request quotes","confidence_score":0.0029054112}]},{"text":"I'm paying a $500 a week at the moment, because that's just the one I said someone else could buy. You can get your family allowance.","start_word":1379,"end_word":1404,"intents":[{"intent":"Educate about payment options","confidence_score":0.0023248733}]},{"text":"What what I was saying, maybe if we work it out with 12% is out of 25,000, then maybe we could put that in. Yeah.","start_word":1729,"end_word":1753,"intents":[{"intent":"Calculate contributions","confidence_score":0.056140956}]},{"text":"So if you're okay to just do it when you talk to the the accountant, if you're paying yourself wages, are they able to pay contributions like an employer does? Like, do you have a a PTY Ltd company? Because it's Hampton Services PTY Ltd. They Yes.","start_word":2179,"end_word":2225,"intents":[{"intent":"Share personal information","confidence_score":0.00010167658}]},{"text":"So what happens in that bubble is if one of the options is doing really bad, they can switch them out with one that's not dropping as much.","start_word":3161,"end_word":3188,"intents":[{"intent":"Discuss options and time frames","confidence_score":9.20022e-7}]},{"text":"drop 30%, it may only go down 15%. It smooths the returns out, but it will never do that all the way to cash and then back in again kind of thing.","start_word":3196,"end_word":3227,"intents":[{"intent":"Discuss price decrease","confidence_score":0.00012574445},{"intent":"Discuss potential return on cash","confidence_score":0.0000013086327}]},{"text":"So I can reduce the risk like that like we were saying a little bit. It'll do a pretty good amount, but it won't be full zero to a 100. You'll never lose the same kind of thing. It'll Oh, just be no. That less volatile but that's with for everything. the same risk level. Yeah.","start_word":3299,"end_word":3354,"intents":[{"intent":"Discuss options and minimize risk","confidence_score":0.0008368599}]},{"text":"As I said to I think originally, I should have put up everything in Bitcoin. I'd be a millionaire almost by now. Yeah.","start_word":3371,"end_word":3393,"intents":[{"intent":"Discuss bitcoin purchase","confidence_score":0.000682004}]},{"text":"Well but, you know, it was down something like 15,000 or something like that for per coin. So but now the highest for wanna get up to about a 130? Yeah.","start_word":3418,"end_word":3448,"intents":[{"intent":"Discuss dollar price","confidence_score":0.0008856465},{"intent":"Discuss dollar amount","confidence_score":0.0027235472}]},{"text":"That's not what I would like to do is keep an eye on it yearly and stop it from going backwards. Yeah.","start_word":3860,"end_word":3881,"intents":[{"intent":"Maintain current insurance","confidence_score":0.00002790662},{"intent":"Manage estate planning","confidence_score":0.019995272}]},{"text":"If you're gonna pay $20, I I want at least 20,000,000. Yeah.","start_word":3882,"end_word":3893,"intents":[{"intent":"Save money on mortgage","confidence_score":0.00091954676}]},{"text":"She'd have her own beneficiaries and stuff like that. So we'll put it to there first. And I'll double check that one path should still be there when we get the quotes done. Alrighty.","start_word":4223,"end_word":4256,"intents":[{"intent":"Schedule and obtain quotes for assets and services","confidence_score":1.1778659e-10}]},{"text":"it works that she gets $500 a day with no responsibility. Just Yeah.","start_word":4556,"end_word":4568,"intents":[{"intent":"Assess financial and educational needs","confidence_score":0.0000015644022}]},{"text":"So we're looking pretty good there, Chris. Alright. I'll take this away with the team and put together that updated document research and plan for you.","start_word":4651,"end_word":4676,"intents":[{"intent":"Provide information","confidence_score":0.053321622},{"intent":"Gather information","confidence_score":0.0001273143}]},{"text":"Telstra is pretty on the spot when it comes to cybersecurity these days after all the things that have happened in the last five years.","start_word":5121,"end_word":5145,"intents":[{"intent":"Support cybersecurity plans","confidence_score":0.0000026921648}]},{"text":"so so far, I can't complain. I said it always seems to grow, but then someone does something stupid and it drops, but that's just part and parcel of it. But if it that didn't drop, I'd still I'm probably be closer to $80,000 now in there. Yeah.","start_word":5355,"end_word":5402,"intents":[{"intent":"Express dissatisfaction","confidence_score":0.00073443004}]},{"text":"And the the most frustrating thing about that is that when I look at our portfolios, all the long term five, ten year performance is kind of the most of them, top 2% in the country.","start_word":5403,"end_word":5438,"intents":[{"intent":"Discuss portfolio performance","confidence_score":0.23756921}]},{"text":"all that's been happening in the last five years is just news article after news article. Normally, you get a, you know, a good five to seven years where everything kind of grows for a while before there's a GFC or a .com bubble. But lately, there just seems to be something every year or two that seems to blow Yep. up around the world.","start_word":5459,"end_word":5523,"intents":[{"intent":"Recount past experiences","confidence_score":0.00016621762}]},{"text":"Hope so.","start_word":5543,"end_word":5544,"intents":[{"intent":"Discuss future plans","confidence_score":0.18528466}]}]},"sentiments":{"segments":[{"text":"Hello?","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.03340922296047211},{"text":"Good afternoon, mister Hanson.","start_word":1,"end_word":4,"sentiment":"positive","sentiment_score":0.33990955352783203},{"text":"It's Tommy here, senior adviser over to you. How are you doing?","start_word":5,"end_word":16,"sentiment":"neutral","sentiment_score":0.2361545562744141},{"text":"Right. I'm living the dream. It's a beautiful Friday. Happy Friday to you, sir. I'm glad you're living the dream.","start_word":17,"end_word":36,"sentiment":"positive","sentiment_score":0.7600290775299072},{"text":"Yep.","start_word":37,"end_word":37,"sentiment":"neutral","sentiment_score":0.25172027945518494},{"text":"It's like, glad someone is.","start_word":38,"end_word":42,"sentiment":"positive","sentiment_score":0.3458782434463501},{"text":"Let me know if you find out whose dream it is, though. Yeah. Right. Absolutely. Yes. I have a few things I wanted to run through with you today. Your Yep. essentially, your file has been kind of escalated to me as senior adviser because there's a few bit of creative workarounds I'm I'm kind of thinking of. Mate, do you mind Yep. if I just go through a quick security check with you? Yeah. Just give me thirty seconds No worries. because that's the moment I've got you running through my head, please. Okay. No And worries. I'll just put you straight to the car. Yep. Awesome. Can you hear me okay there? Sensational. Okay. So what I wanted to do to start with is just quickly check. Do you remember your OU password? Ziggy. Mhmm. Ziggy, sensational. And are you okay for the call to be recorded? Yep. Perfect. Perfect. So, Chris, having a look at your file there and your previous conversation with Kyle, one of our advisers, you have a little bit of an issue with insurance premium stopping your super from growing at the moment no matter how much it's trying to grow. Does that sound about right? That's very, Okay. very, very true. Yep.","start_word":43,"end_word":252,"sentiment":"neutral","sentiment_score":-0.037468019872903824},{"text":"So possibly an astute observation, but it needs to be fixed.","start_word":253,"end_word":263,"sentiment":"negative","sentiment_score":-0.3383347988128662},{"text":"So one of the background things that the team has been doing has been calling every single insurer in the industry just to see if we can get you a better deal than what you've got with OnePath. Yep.","start_word":264,"end_word":302,"sentiment":"neutral","sentiment_score":-0.1132790669798851},{"text":"Now the only concern I've got is because your premiums are well over 6,000 now, that's the main issue.","start_word":303,"end_word":321,"sentiment":"negative","sentiment_score":-0.3710816502571106},{"text":"With Yes. the other insurers, they're most likely gonna offer you cover with, like, exclusions for potential issues with, like, the hand and back and things like that, which I don't think is is a very good deal for you because your current policy doesn't have any exclusions on it at all. Yep.","start_word":322,"end_word":374,"sentiment":"neutral","sentiment_score":-0.21264925542867408},{"text":"So even though I found one that would probably trim the premiums down maybe a thousand dollars, the exclusion kind of lean towards, for me, not a good idea.","start_word":375,"end_word":403,"sentiment":"negative","sentiment_score":-0.5541024208068848},{"text":"So I've got a few other ideas instead. Yeah. Yeah. Cool. So I'm just having a look at your details on file.","start_word":404,"end_word":425,"sentiment":"neutral","sentiment_score":0.028684796765446663},{"text":"It seems like you've got a pretty decent amount sitting in your offset account at the moment last time we checked compared to the mortgage.","start_word":426,"end_word":450,"sentiment":"positive","sentiment_score":0.34699130058288574},{"text":"Yeah. So I've got here that you've got about 260,000 owing and about $2.40 in the offset account, which I just wanted to double check with you, Chris. The the money in the offset, that would be on top, wouldn't it? So you'd be owing maybe 500,000 with $2.40 in offset. No. Our mortgage is we probably owe owe about yeah. That might be only owe about $2.50. And Yep. we're also at $2.20, I think it is now. Right. So you may only have about $30 left to pay off. You ready for? Yes. Alright.","start_word":451,"end_word":546,"sentiment":"neutral","sentiment_score":0.0408019945025444},{"text":"With $2.50 k owing sensational.","start_word":547,"end_word":551,"sentiment":"positive","sentiment_score":0.3808892071247101},{"text":"We'll put it So yeah. We'll we'll put it this way. We were paying I think we're paying 2,000 a month for the mortgage itself. And we're saving about about we're only paying $80 a month. Yeah. Okay. So pretty much offsetting the whole lot then almost. Okay. So before I go into the next step, just swing over to the super for the second at the moment. So what I'm kinda noticing on your account is that for about nine months at a time, you're getting this pretty big growth where it's going up from the 58,000 up to 70,000, and then the insurance premium comes down and drops back down again. And then it grows up again another 10,000, then it drops back down from the premiums again. Does that make sense? Yeah. But but it's not all just sent itself through because when Trump wants something stupid, stop by the cops. Yeah. And it's doing a bit of a double whammy where it's growing. Premium comes out, book market drops a little bit, and then it grows. Premium comes out, book market drops a little bit, and it's just keeping you going sideways, which one silver lining is at least it's definitely not going backwards because based on No. those No. premiums, if you're in a low performance, you'd be going down quite fast. So that's one positive. Yeah. The premium only comes out once a year, though. That's the thing. Where I noticed And it was up to 69,000 before top to decide to go issue the bomb over and around, but, you know, Yep. Always the way. Yep. So you're getting this double whammy effect where the premium seems to be coinciding with every market drop. I can almost use you as a predictor for the market at this point. Well, Oh. if you know Trump's gonna do something, still the shares. I've been following up regardless. That's what it read out. Yeah. So one of the things we can do, there's there's basically three things that we've gotta do, is number one, we have to trim trim that insurance policy down because it's just it's just too much. No amount of investments I could pick will offset that. Yeah. But it's always the premium's always going up, but also the amount I've insured for is going up as well. Hypothetically Yeah. They've got indexation linked to it. yeah. So I I know one year, you you kept it in about 300, and it dropped it by almost half. Yep. So it doesn't have to have an index to it. It could be the same amount each year I don't care. Say 400,000. Yeah. You can be set it up for the next ten years I don't care. Yep. And that way, the premium doesn't keep going up either. Problem you've got too, though, is with the age based increases from age 55 to age 62, they're gonna jump it up a couple of grand a year just based on age as well. Yep. So they always do both, which is they up the cover, but they also increase prices every year in line with age. So we'd probably have to trim it down a bit further than 400,000 and try and keep it at that level. Whether that's 300 or 200, I I kinda wanna be guided by you on that, and I can get some quotes drawn up. Okay. So we'll go 300,000 to start with. We can always adjust it. It's it's impossible to get it back up again, but it's easier to trim it down when we when we need to, if that makes sense. Yep. So why don't I get a quote drawn up from one path to 300,000 and see if they can remove that indexation? At the same time, out of all the investments inside the super, I'm pretty happy with all of them except for one of them, which I'm not liking the way that Benelon options been performing compared to the other Australian shares. So I wanna do a bit of an engine tune up and switch one option out just to Yep. kind of bump up the returns a little bit, if that's okay.","start_word":552,"end_word":1260,"sentiment":"neutral","sentiment_score":-0.030440558974298797},{"text":"Oh, that's fine. Cool.","start_word":1261,"end_word":1264,"sentiment":"positive","sentiment_score":0.43709248304367065},{"text":"And then on top of that, I did wanna ask you, just in terms of contributions, are you able to make any, or should I just base it on no contributions going forward for the time being? Well, I keep saying that I'm gonna do it, but it never happens. But the to the ATO probably gonna start making contributions will I pay myself Yeah. as such. Yeah. So I'm gonna talk to the account on it and see how we break that. But see, I don't Okay. get really afraid. I don't get my I don't get my tax return until the end of the financial year. So I don't pay Yeah. I'm paying a $500 a week at the moment, because that's just the one I said someone else could buy.","start_word":1265,"end_word":1397,"sentiment":"neutral","sentiment_score":-0.02438050670955414},{"text":"You can get your family allowance. Yep. And so she was also sure I get the same sort of money.","start_word":1398,"end_word":1417,"sentiment":"positive","sentiment_score":0.38222619891166687},{"text":"I paid with it each week or each or each month, whatever, which way you wanna do it. Okay. 25,000. Yep. So couple of options you've got. Yeah. Oh, yeah. So got you there. When it comes Yep. to with the account and the contribution, is you can either do a regular contribution throughout the year, or if you get to every end of financial year, you can do, like, a one off contribution. Like, let's say you're pulling it inside your offset account all year, and then in June, you just whack in two, five, 10, whatever the figure is. You can do Yep. gradual or you can do a one off. Look. I really wanna just say at the moment is I can send $10 a week into it.","start_word":1418,"end_word":1548,"sentiment":"neutral","sentiment_score":0.16002157330513},{"text":"That'd be lovely.","start_word":1549,"end_word":1551,"sentiment":"positive","sentiment_score":0.664192795753479},{"text":"Yep.","start_word":1552,"end_word":1552,"sentiment":"neutral","sentiment_score":0.04208183288574219},{"text":"But I but I keep forgetting to do anything about it. That's my problem.","start_word":1553,"end_word":1566,"sentiment":"negative","sentiment_score":-0.4592251181602478},{"text":"That's Okay. okay. I'll So put I in chat. $10 a week into the plan and send you the payment details for it. Yep. And then if you're able to like, if we get that rolling, I'll I'll build you a plan where we basically say, we trim down the insurances, fix up this investment option, and put in $10 a week, and then we'll help you with the form to claim that for tax at the end of financial year. Yep. And then after that point, it's just about whether you wanna do any lump sums with your accountant afterwards, but I'll put that as a as a maybe depending on how things play out for the year. How's that sound?","start_word":1567,"end_word":1688,"sentiment":"neutral","sentiment_score":0.20229440927505493},{"text":"Sounds good.","start_word":1689,"end_word":1690,"sentiment":"positive","sentiment_score":0.5260474681854248},{"text":"Now a quick question. Yep. What I know it's what are we gonna pay now? Living percent on our what we get paid each year? It's about 12% if you're doing the old wages in SGC. Yeah. What what I was saying, maybe if we work it out with 12% is out of 25,000, then maybe we could put that in. Yeah. How would Yeah. that Yeah. work? I And got would that work better? so let's go yeah.","start_word":1691,"end_word":1769,"sentiment":"neutral","sentiment_score":0.03366689869096574},{"text":"That'll be perfect.","start_word":1770,"end_word":1772,"sentiment":"positive","sentiment_score":0.6732010245323181},{"text":"Let So me try it not it works to upset out the to meeting. be about Okay. $57.70 a week kind of thing before tax. Probably a little bit higher than what I thought it was, if that's right. Alright. Let's let's start it off at twenty, and I can always put it up as time goes on. Yeah. Yep. And How one about thing I wanted to just ask you just because the way the contributions work, if you're only earning $25,000, you're in that really low 16% tax bracket. Yep. When you do your tax return, do you have any other sources of income that bump you up above that? So when you do this year's just go and buy, will you finish the year about $20, 25, or would it be a lot higher than that? No. Because what it is, I don't have any other source of income. I just, Yep. basically, whatever income's left, my account puts it through as me paying as an income. Gotcha. And then, for example, if it's not not pulling me up to $10, I don't know. But yeah. So Alright. So just bear in mind that if you put the contributions in and you're including Medicare copying 18% tax on that income, the super tax is 15%, so it's a tiny bit less, but it's not a big difference Yep. like if you were earning $200. No. That wouldn't be that much. Give me that too. Not that There much. is a possibility to do a non concessional contribution, which is like you use after tax dollars, but it goes in tax free, but then you're not getting Yep. that 3% difference. Okay. The only thing that really helps with is, oh, geez. Not gonna help too much, but estate planning. Your three daughters, are they all over 18? Diana. Yeah. But one's So, one's look, it's not gonna one's make the second store. okay. It doesn't make too much of a difference, but what some people do towards the 50 is when they do those non concessional after tax contributions to go in tax free, but they don't get the difference. It it kinda goes into, like, a tax free pool so that your ben your beneficiaries pay less tax when they receive it Yep. after you pass away. But that's only gonna really save you more a couple of $100 at most. Okay. So if you're okay to just do it when you talk to the the accountant, if you're paying yourself wages, are they able to pay contributions like an employer does? Like, do you have a a PTY Ltd company? Because it's Hampton Services PTY Ltd. They Yes. should just be able Okay. to do it through a clearinghouse. Well, we should've I'm sorry. I don't understand how it all works. Only Hang reason on one why second. I'm saying that is because if you were a oh, yeah. Sorry. Do you have a? No. No. You're I'm just I I I did something that I wasn't supposed to do. I've actually pulled up another job, but I'm just going to transfer you back to the earpiece. Yes. I believe you're there. Yep. Got you loud and clear. Yep. Yeah. You're right. I'm just because as soon as I get out of the the vehicle, it'll probably transfer me back to the vehicle. So I'll just disconnect myself. Yep. That's it. Now I shouldn't have any issues.","start_word":1773,"end_word":2354,"sentiment":"neutral","sentiment_score":0.012321121683440258},{"text":"Perfect. I've got you still.","start_word":2355,"end_word":2359,"sentiment":"positive","sentiment_score":0.45639488101005554},{"text":"Yep.","start_word":2360,"end_word":2360,"sentiment":"neutral","sentiment_score":0.3275204300880432},{"text":"It's it's amazing with technology how much stuff you've gotta do to keep yourself connected or disconnected to make it all work.","start_word":2361,"end_word":2382,"sentiment":"positive","sentiment_score":0.46861010789871216},{"text":"Yeah. Yeah. I find the same thing. I'm always Because floating around with the earbuds and between the car yeah. and the office and the laptop. Yeah. And sometimes I forget my phone and oops. Forgot that. Better. Pay that back. I'm gonna I'm gonna go back towards the phone. Chris, have I got you still? Yeah. Yeah. So one Hang thing I on. was saying is that just let me know when you're good to go. No. No. You alright? Oh, sorry. With some of the the sole traders, Yep. they don't have the ability to do that, pay themselves wages, pay themselves contributions like that. They Yep. basically have to pay it from their bank account like a BPAY or an EFT and then Yep. claim it in their tax return every year. It's not automatic. But if your Yep. accountant's able to actually go, oh, you've got the company, pay the wages, pay the super, they can handle all of that, and you don't have to do the extra paperwork. Okay. K? So I'm Yep. gonna treat it like that for the time being until if you have a conversation with the accountant Okay. and tell me that you've got to do it a different way, then we can just adjust it.","start_word":2383,"end_word":2597,"sentiment":"neutral","sentiment_score":0.10480580750939458},{"text":"Cool.","start_word":2598,"end_word":2598,"sentiment":"positive","sentiment_score":0.36052608489990234},{"text":"Yeah.","start_word":2599,"end_word":2599,"sentiment":"neutral","sentiment_score":0.22664251923561096},{"text":"Alrighty. We might do that. That that sounds good.","start_word":2600,"end_word":2608,"sentiment":"positive","sentiment_score":0.4350620210170746},{"text":"So got a bit of a game plan. I'll work on those three things and build up an updated plan for you and and see how the projections look. Yep. Yep. Is there anything else that you want me to kind of factor in? Anything else that I can help you with? No. Not really. But we as you said, we seem to get some really good gains and then we get shot in the foot by stupid decisions by governments and then absolutely go totally the wrong way Yeah. with it. That makes sense. But I'm not look. As I said, I see it perform, and then I lose it all when, as I said, when someone makes a bad decision in government, then it drops whatever it is, 10%, Yeah. the shares. And then and then they take it out. As you said, it's like a double whammy. So there's $10 off that and put 15. So, really quick. Excuse me. I could have $15 extra in my account each. Yeah. Yeah. It's about like a five and five club thing. Actually, while you mention it, there's there's three things that we can consider. You let me know what you think about this. You don't have to decide on it today. I'll do the research and and put it together in a document for you. But Yep. let's say you stay with what you've currently got and I switch out that one option, and it's doing the high growth thing. Right? So, basically, it goes up and down like the roller coaster ride with whatever happens on the news. Yep. Over five years, it'll average out at that 12 to 14%.","start_word":2609,"end_word":2891,"sentiment":"neutral","sentiment_score":0.03344371277746801},{"text":"Amazing. Incredible. Right? But you're gonna be seeing it going up and down that 10 to $15 mark you've been noticing.","start_word":2892,"end_word":2912,"sentiment":"positive","sentiment_score":0.4127886891365051},{"text":"Yep. The second option is I don't know if it'll be a benefit to you. I'll check. We have something called an SMA bubble where we can put you on a bit of a lower fee menu inside Hub, but we can bring all your investments across into a bubble. And then hope you and a manager like we're using BlackRock at the moment. We can actually switch out some of those investments throughout the year without having to wait for a review and a whole new document.","start_word":2913,"end_word":3000,"sentiment":"neutral","sentiment_score":0.19171564280986783},{"text":"So it makes things a little bit quicker on for your account.","start_word":3001,"end_word":3012,"sentiment":"positive","sentiment_score":0.3503645062446594},{"text":"Yep. So all I'm saying is we stay with where we are in engine tune up, it is gonna be going up and down like a roller coaster. Good five Yeah. year I returns, would but it'll yeah. still Yeah. happen like that. Yeah. I The I understand all that, and I'm happy with that. But you're saying if we put it into a bubble, which could be shifted in and out without too many fees and without like, if so if it starts to go down, you can pull it out and hold it. And then once it stops, go back into it with the lower thing and buy obviously, buy more sheets. Correct. And then once it goes No. up So again, that's you the see only the guide? thing That's oh, that's that the only doesn't thing what that happened? it can't go that full. So what happens in that bubble is if one of the options is doing really bad, they can switch them out with one that's not dropping as much. So if your account was gonna Okay. drop 30%, it may only go down 15%. It smooths the returns out, but it will never do that all the way to cash and then back in again kind of thing. It'll Okay. do Yep. something like that, but it's not so bad to break. Okay. K? Only reason being is if we tried to do that with these guys, if we mistimed it at all, I've seen this happen a lot where people pull the money out and then they miss it on the way back up again, and they Yep. they miss that really good chunk of bounce back. Yep. So I can reduce the risk like that like we were saying a little bit. It'll do a pretty good amount, but it won't be full zero to a 100. You'll never lose the same kind of thing. It'll Oh, just be no. That less volatile but that's with for everything. the same risk level. Yeah. But that's with everything. You you never you never get a 100% back on other things. As I said to I think originally, I should have put up everything in Bitcoin. I'd be a millionaire almost by now. Yeah. Well, that's had a smart little bit of a crash recently too. So Yeah. whether Well, that's a yeah. buying opportunity or not. Yeah. Well but, you know, it was down something like 15,000 or something like that for per coin. So but now the highest for wanna get up to about a 130? Yeah. And then back to that $86.90. But, yeah, Yeah. I remember So those days when it was sitting at $1,520,000. yeah. So it you're still you're still well in front if that makes any sense at this Yeah. point 100 in time. percent. So but then but you guys weren't geared to do that back then. I don't know if you are now. So oh, well, where our mandate is kinda like, if you've got people's cruise ship going through retirement, you've gotta keep it somewhat safe. And Yes. chucking it into something that can go up or down 80% in a year is about too far for us to travel for retirement funds. We do it a little bit for people's personal investment, but not for retirement. We have to get a Yes. a certain level of, not guarantee, but a bit of certainty that they'll actually get there. Yeah. No. I understand that. Understand Cool. So it, let totally. me research that bubble option for you. I'll I'll find the the replacement option anyway just in case, and then I'll Yep. compare the two and and give you a recommendation.","start_word":3013,"end_word":3640,"sentiment":"neutral","sentiment_score":-0.0008229221496137844},{"text":"Well, look, whatever you come up with, I'm happy with whatever.","start_word":3641,"end_word":3651,"sentiment":"positive","sentiment_score":0.5038686394691467},{"text":"Yep. And I still gotta send the paperwork. I still gotta sign it, send it back, and give it all the approval scenario. But, Yeah. yeah, whatever you whatever you're fine and do, I'm more than happy with that because even though when I was with Australian Super, my it actually keep growing every year except for the last year I was in. And that started out at $30,000. Yeah. And that was, what, twenty years ago. And if you don't mind me asking, who set up that one path policy for you all those years ago? That was somebody through Australian Super. They said, well, you should do this. And I said, alright. Okay. But it was only $121,200 dollars for this initial first time for the insurance. Yeah.","start_word":3652,"end_word":3781,"sentiment":"neutral","sentiment_score":0.0835191085934639},{"text":"Oh, this is pretty good.","start_word":3782,"end_word":3786,"sentiment":"positive","sentiment_score":0.4966970384120941},{"text":"And then I looked at it and it went up pretty quick. Yeah. I think when we when you came across the Oakview, it was about 2,800. And then very quickly, it's 4 and then 6. And then, look, I've I've seen this play out many times before where I get Yep. people come through the door at sixty, and they're paying 12 to $20,000 in insurance premium.","start_word":3787,"end_word":3854,"sentiment":"neutral","sentiment_score":-0.02871270291507244},{"text":"And I just no. That's not what I would like to do is keep an eye on it yearly and stop it from going backwards.","start_word":3855,"end_word":3879,"sentiment":"negative","sentiment_score":-0.4100025105476379},{"text":"Yeah. No. If you're gonna pay $20, I I want at least 20,000,000. Yeah. And it's weird, isn't it? People start off with a million dollars worth of cover for a thousand bucks, and then when they get old and actually need it, oh, here's your $200 for $10,000 a year, and it just becomes a joke at that point. Yeah. No. That's right.","start_word":3880,"end_word":3943,"sentiment":"neutral","sentiment_score":-0.16572041809558868},{"text":"Good thing is at least getting close to that mortgage being finished.","start_word":3944,"end_word":3955,"sentiment":"positive","sentiment_score":0.47358983755111694},{"text":"So there's less need for having this big lump sum to cover a $700,000 mortgage or anything like that. So if we don't Yep. need it, it's that's the Now, balancing as act. I said, the mortgage is about 250. If I can keep it around 3 Yep.","start_word":3956,"end_word":4003,"sentiment":"neutral","sentiment_score":0.20882581174373627},{"text":"100, and the lower we get it, the quicker we get it. And if it well, it gives the girls a bit of a a secure living for the rest of their lives.","start_word":4004,"end_word":4036,"sentiment":"positive","sentiment_score":0.4691890478134155},{"text":"So, you know, gives them Yeah. a bit of Yeah. a head That'll start even definitely though help my eldest split is three lines. yeah. My my eldest is married now and got her own home, but the other two is still at home. And the youngest is Yeah. still doing a VCE this year. So even though she is 18 In terms of estate planning, are you happy for sorry. Did you you didn't know putting, like, a will in place or anything like that? I'm assuming a bit of a busy. no. My wife and I keep meaning to do it, but we never get around to it. No. That's fair enough. It is one of those impositions where it takes a bit of time. But in terms of the where everything goes, are you wanting all the soup and the life insurance to go to your wife in in the first step, or where would you prefer that order? They probably go to the wife first then to the kids afterwards. She'll Yeah. she'll Because be the she same. will have yeah. She'd have her own beneficiaries and stuff like that. So we'll put it to there first. And I'll double check that one path should still be there when we get the quotes done. Alrighty. Chris, outside of that, I just wanted to ask you if there's been any major changes in all the other assets in terms of the vehicles and credit card and everything like that? No. I don't believe so. What have we got? The last well, we had the Everest. We still got that, which is in, theoretically, the company's name, but that's the Watts car. I bought another Yep. vehicle for work, a Ford Transit, a cab chassis, Yep. and put a box on the back of it. So let me see what the VE wagon and the Toyota Huayas. Yep. I do I And do get dad's your car, daughter's got the cruise. yeah, which is registered in my name Yeah. as well. I think that's it. And just in terms of savings, I think we had about 26,000 in savings off to the side, not including the offset. It's dropped a little bit. Nothing that's around about 12, but we're trying to build Yeah. that back up. Put that back up. Because, yeah, because Liz's mom passed away in April. Okay. So we spent a bit of money between that and with other things. Yeah. Yeah. But we know we'll get that back later. So Absolutely. Alright. So that's all up to date.","start_word":4037,"end_word":4470,"sentiment":"neutral","sentiment_score":0.007463214862641067},{"text":"Thank you for that.","start_word":4471,"end_word":4474,"sentiment":"positive","sentiment_score":0.5997182130813599},{"text":"Alright. I pretty much have everything I need. Is there anything else you guys are focusing on for the next couple of years, or it just build back up the savings, finish No. I up just the mortgage, build look after the business? Yep. basically. Yeah. And look, Awesome. I think Liz is probably as soon as Charlie finishes school, she might drop a a day or two, but then she can also do what they call emergency teaching. And Yep. it works that she gets $500 a day with no responsibility. Just Yeah. go and Right. teach the kids. $500 a day. Yeah.","start_word":4475,"end_word":4578,"sentiment":"neutral","sentiment_score":0.144757479429245},{"text":"That would And be a pretty good weekend.","start_word":4579,"end_word":4586,"sentiment":"positive","sentiment_score":0.5133741497993469},{"text":"she well, put it this way, and she wouldn't have trouble getting a job either or getting well, getting she has a she's a teacher, but they call her in, and she wouldn't have trouble getting work on days that she wants to work. Yeah. Does that make sense? Absolutely. Always in need of good teachers, especially Yes. in the main areas. Yep. Alrighty.","start_word":4587,"end_word":4650,"sentiment":"neutral","sentiment_score":0.23975056409835815},{"text":"So we're looking pretty good there, Chris.","start_word":4651,"end_word":4657,"sentiment":"positive","sentiment_score":0.47764042019844055},{"text":"Alright. I'll take this away with the team and put together that updated document research and plan for you.","start_word":4658,"end_word":4676,"sentiment":"neutral","sentiment_score":0.2191028892993927},{"text":"Congratulations.","start_word":4677,"end_word":4677,"sentiment":"positive","sentiment_score":0.5656800866127014},{"text":"Just keep an ear out possibly in I've just come back from paternity leave myself, so I've been booked out for a couple of weeks.","start_word":4678,"end_word":4702,"sentiment":"neutral","sentiment_score":0.20990033447742465},{"text":"Congratulations. Thank you.","start_word":4703,"end_word":4705,"sentiment":"positive","sentiment_score":0.5347450375556946},{"text":"Number three, so two boys and now a young daughter to add to it.","start_word":4706,"end_word":4719,"sentiment":"neutral","sentiment_score":0.23707424104213717},{"text":"Your wife will be as happy.","start_word":4720,"end_word":4725,"sentiment":"positive","sentiment_score":0.48986294865608215},{"text":"It's it's all Yeah. get out. She Oh, is. so I'm trying to I'm trying to keep it clean here when I You're alright, Chris, but but she's she's happy not the outnumbered. We'll say that. Well, I'm I'm the opposite. I'm that number with all the girls. Yep. I can tell. I can tell. And you've helped them with the cars and everything, so I imagine Yeah. their I've father helped is them quite with helpful. it, but they but they but they paid for them themselves. Yeah. They've put they They worked now have to stand hard and on their put own two feet. yeah. They've my one that's doing second year uni now, she's paid for the cruise. We we've paid for it initially, but she's paid us back for that. Yep.","start_word":4726,"end_word":4860,"sentiment":"neutral","sentiment_score":0.03286522999405861},{"text":"Already, she did that in under twelve months, and she's a great saver. Awesome.","start_word":4861,"end_word":4874,"sentiment":"positive","sentiment_score":0.5593862533569336},{"text":"She didn't Been have teaching the if she them. didn't have the car, she'd probably have maybe $20.30 grand in the bank. Yeah.","start_word":4875,"end_word":4897,"sentiment":"neutral","sentiment_score":0.029895992949604988},{"text":"Oh, fantastic. Especially in this economy.","start_word":4898,"end_word":4903,"sentiment":"positive","sentiment_score":0.4235219061374664},{"text":"Most people are just stuck in the mud at the moment, so I'm glad to hear they're doing well. And she's 19. So Wow. Yeah. So she knows Alrighty. how to save. Yeah. Chris, I think I've got everything up to date. You haven't randomly changed address, I'm assuming. Palestine Court's No. still the main one. Yeah. Yep. If we ever change address, it'll be I I believe it'll be going into a nursing home. Yep. Okay. My wife doesn't Aged care like advice change. to come down the line. Yeah. No. That's true. And given that you've still got a BigPond email, I'm assuming that's still current and okay. Right. Yep. Yep.","start_word":4904,"end_word":5016,"sentiment":"neutral","sentiment_score":0.04540590941905975},{"text":"Perfect.","start_word":5017,"end_word":5017,"sentiment":"positive","sentiment_score":0.3964571952819824},{"text":"Just like my my uncle and my grandparents, everything's off the old BigPond. Then I go to the elder sibling, my parents, and everyone's got a Hotmail address, and everyone's on the old Gmail. It's just a generational thing, which email address people have. Yeah. Well well, just big fun because it's just easy when I when I set it up. Yeah. I've got a I've got a Gmail And they're account, always but I don't I can't log in to it. Let Yeah. And me it's log in also to probably it. So not not as safe as the big ponds too. Telstra is pretty on the spot when it comes to cybersecurity these days after all the things that have happened in the last five years. yes.","start_word":5018,"end_word":5146,"sentiment":"neutral","sentiment_score":0.0041828397661447525},{"text":"I I believe they're pretty pissed off that they had that outage too a couple of weeks ago.","start_word":5147,"end_word":5164,"sentiment":"negative","sentiment_score":-0.38518181443214417},{"text":"Yeah. I imagine. National news. Yes. That that was across the country. Yeah. It was crazy. We we came in and ours was okay, but most of our clients nationwide were out for the morning. So you can imagine, I think we had about a 170 people booked in for various discussions, and I think we spoke to about 25 that day. Yeah. Well, that was the same. My daughter and I, we were in Mildura, and we had our Yep. we had all our services. And the nurses that come in to see the auntie, they didn't have phones or nothing. Oh, jeez. And these days, people don't have a reference in the car or anything like that. No. No. So yeah. Oh, Alrighty.","start_word":5165,"end_word":5289,"sentiment":"neutral","sentiment_score":-0.027534859389066697},{"text":"Alright, Chris. I've got everything sorted, ready to go. I better let you enjoy your weekend there unless there's anything else I can help with today.","start_word":5290,"end_word":5315,"sentiment":"positive","sentiment_score":0.5498186945915222},{"text":"if you see anything that we can look if it needs to be more aggressive or what have you, I'm happy to do whatever you think is the best way to go to keep it growing. K. So Yeah. so so far, I can't complain. I said it always seems to grow, but then someone does something stupid and it drops, but that's just part and parcel of it. But if it that didn't drop, I'd still I'm probably be closer to $80,000 now in there. Yeah. And the the most frustrating thing about that is that when I look at our portfolios, all the long term five, ten year performance is kind of the most of them, top 2% in the country.","start_word":5316,"end_word":5438,"sentiment":"neutral","sentiment_score":-0.00825447402894497},{"text":"And very, very impressive even when I first came to IPO. I was very impressed with their portfolios, and Yep.","start_word":5439,"end_word":5458,"sentiment":"positive","sentiment_score":0.4051082730293274},{"text":"all that's been happening in the last five years is just news article after news article. Normally, you get a, you know, a good five to seven years where everything kind of grows for a while before there's a GFC or a .com bubble. But lately, there just seems to be something every year or two that seems to blow Yep.","start_word":5459,"end_word":5519,"sentiment":"neutral","sentiment_score":-0.09095146507024764},{"text":"up around the world.","start_word":5520,"end_word":5523,"sentiment":"negative","sentiment_score":-0.36626824736595154},{"text":"So it's been a not the best of periods, but No. hopefully, Same. they settle down next year. Yes. Hope so. And either way, let's say look. This is a future thing. Let's say we get you to 60 where you hit your preservation edge to access a super. If we're still trying to get it going as much as we can, we'll do transition to retirement strategy with you to bump up the contributions, you know, pull out a little bit, put it back in for a tax deduction. So there's a few things we can do down the line, but this is Okay. just trying to get it back going positive for the next five years. And then when we get the other options available, I'll be running you through them straight away. Not beautiful.","start_word":5524,"end_word":5660,"sentiment":"neutral","sentiment_score":0.0703922960580918},{"text":"Awesome, Chris. No worries. Mate, thank you very much for your time today. I appreciate it bouncing No.","start_word":5661,"end_word":5678,"sentiment":"positive","sentiment_score":0.5730622410774231},{"text":"Thank between you.","start_word":5679,"end_word":5681,"sentiment":"neutral","sentiment_score":0.2540454864501953},{"text":"the car and the phone.","start_word":5682,"end_word":5686,"sentiment":"positive","sentiment_score":0.37930989265441895},{"text":"Yep. No worries.","start_word":5687,"end_word":5689,"sentiment":"neutral","sentiment_score":0.2250574827194214},{"text":"And just keep an ear out in a couple of weeks for the team to book you in with me once that plan's pretty well finished, and Yep. I look forward to seeing what we can come up with for No worries. Beautiful. you. Awesome, Chris. Have a great weekend, mate. You too.","start_word":5690,"end_word":5742,"sentiment":"positive","sentiment_score":0.5085752010345459},{"text":"Bye bye.","start_word":5743,"end_word":5744,"sentiment":"neutral","sentiment_score":0.3172319829463959},{"text":"Thank you. Bye.","start_word":5745,"end_word":5747,"sentiment":"positive","sentiment_score":0.47763556241989136}],"average":{"sentiment":"neutral","sentiment_score":0.04831725108785341}}}}