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Isn't now still a good time? That's okay. How's your morning been so far? Yep. Yeah. Understandable. All good. Brenda, just to let you know, moving forward, we do recur our calls for quality and training purposes. Are you happy for us to proceed with that? Yep. Lovely. And, also, just to do security there with you as well, we are discussing your personal information. So I'll just get you to confirm your full name, date of birth, and address I should have on file. Perfect. Thank you so much for that. So as I said, I have you booked in to go through your annual review. Do you happen to have access to your emails at the moment? Or yeah. Perfect. I'm just gonna send through some annual review documents to you. If I can get you to pop into your emails there and pull these ones up, we can kinda just go through those as we are going through and updating all of your circumstances. We have had a bit of a look at things. It looks like there is some advice that we can definitely provide to sort of help you look at your super, and I can see you've also opened up another super recently as well. You've got a new job, have you? Yeah. Mhmm. Yep. Yep. Yeah. Yep. No. Perfect. So with the new role, who is that working for? What who's the new employer? Yep. Perfect. Yeah. That's the one thing I didn't wanna look at. I can see here you've got the three super funds open that is obviously costing you more in the way of fees. So part of today, I did wanna talk about what, you know, what your goals are, what you wanna do, and maybe update the advice to reflect for you. Absolutely. So you still with Venty, which is fantastic. Is your role staying roughly the same? Are you gonna be doing the same sort of work? Or no? Yeah. Yep. Yeah. Perfect. So keeping them in work. That's fantastic. Excellent. And income wise, what are you sort of expecting to earn with this new role? You mentioned it was a bit more money. Perfect. Yep. Yep. Yep. So that that's including the super? Yeah. That's okay. Yeah. Absolutely. Yep. Yep. Yep. Yep. Okay. Perfect. So the 110 is including your superannuation there. Perfect. And have you asked your new employer to continue salary sacrificing at all, or is it something you've stopped for the time being? Yep. Yep. Yep. Okay. Perfect. Perfect. And are you gonna be asking them to contribute anything additional to super over and above, like salary sacrifice into super at all, or you're not wanting to do that at the moment? Because I know you were doing that into one of your other super funds, your last job. Yeah. Right. Yep. Yep. Yep. Yep. Yep. Yep. No. That's okay. All good. So paid monthly, that'll be a little bit harder. Having a secondary account could also work as well for you where you work out, divide your pay by, you know, four weeks for the month or however many weeks in the month. Sometimes there's a few extra days there. And then just maybe transfer over what you need that week and keep the rest out of your main account, which can also give you a bit of assistance there. But it also comes down to whatever works for you. So if having all the money there is easier, that's absolutely fine. But that's just something that can work for for other people I know as well where they transfer majority of things out. They just have their weekly amount in there, and then they can you know, it helps them to out of sight, out of mind for a short period as well. Yeah. Yeah. Yep. Yep. Yep. Yep. Yeah. Yep. Perfect. No. Absolutely not. Completely understand. Well, when you get the payout, you know, definitely put that away somewhere. When it comes down to savings, sometimes starting smaller is not a bad thing as well. So just finding, you know, 20 or 30 or $50 on a weekly basis and moving that into your goal saver. So you build that habit slowly and gradually. And then as you get comfortable with the amount of money you're putting away and you get, you know, more comfortable with seeing it there and not transferring it back, then you can kinda build that up. Sometimes when we start with a larger figure, we put too much in our savings, and then we find we have bigger bills or something happens, and we need that money back. So we make a habit of bringing it back. So starting off smaller is absolutely a good habit to start with as well, so you could always try that to see how you go. Okay? Yeah. Yeah. At the end of it, yeah. So that's your ongoing service agreement and all the bits and pieces. I'm gonna go through a lot of those documents and give you an update of of what's happening with your super and talk a bit more about your goals there. But at the end of it, I'll get you to sign. I don't want you to sign anything you haven't read, but we'll go through that in ongoing sales agreement shortly with you. Okay? That's okay. All good. While you are looking at it, let's touch on that now. It's a really good thing to sort of go through. The first document you'll see in this sorry. Mine I sent the documents to you, but mine's a little bit slow to kinda bring them back up. But, essentially, it is showing you the ongoing service agreement that has been sent there. Essentially, you do as an ongoing service client, you do pay us an ongoing service fee of 1.65% per annum. That is deducted in smaller monthly increments out of your super account. And, essentially, the idea of a percentage based fee is that it fluctuates with the market. When the market is doing much better, it means that our fee is gonna be slightly higher, but you're benefiting from the greater returns. However, when the market takes a bit of a dip due to external market factors, the fee you pay us will also take a dip and be lower. Okay? Essentially, to be because having a look at your super account, we with Christmas, everyone was a bit crazy. You're obviously in a bit of a transition there as well. So your ongoing service fee did actually switch off on your super account as of December. So this is the switching it all back on again so we can keep providing advice and keep servicing you as a client and keep looking after you. Okay? Perfect. So we do need that one to be signed and sent back. The underneath that, you've got your tax file opt in form. That is just letting you know that we do hold your tax file number on file. We do have to because we help set up your super account and look after insurances and things like that for you. We just have to make sure you're aware of the information. We do hold on you. It is sensitive information, and we wanted to make sure we update our records so you're aware of that. Okay? Yep. Perfect. Those are the only two documents to sign. Jacob also organized for the external third party authority to be signed for your plum super, so we have got the information on that for you. But attached to that DocuSign, we do also have some other documents there. I'm not sure if you can see the attachments. Can you see where the attachments are at all? No. It should be attached to this docu this document, the Odoo sign here. No. That's okay. It might be so when you go out of the email then go back in, there should be some attachments there as well, but we have attached the financial services guide there for you. And that essentially outlines all of our services. It has a lovely photo of me in there for you, Brenda, so you can have a look at what I look like as well. It's got my registration information as I'm a registered adviser. I'm registered through ASIC and under OQ Financial Australian Financial Services license. We've also got on there your summary. Now this is a really good thing to kinda go through. So I can also email this to you separately after the course you'd like, but the summary sort of shows you your current balances within all the super funds and the insurances that you hold at the moment. So in Hub twenty four, your super balance is up to 94,000 set $94,013.66. In Australian super, you've currently got a a balance of 22,069 and 54¢. And in Plum Super, a balance of $6,622.68. So we do wanna maybe look at trying to consolidate some of those things. Having three super funds open does mean you are paying more in overall fees, and it can affect your retirement moving forward as well. Does your employer your new employer with Ventia, have they they haven't stipulated that they have to transfer contributions anywhere? You're fine having those in hub twenty four as you have always? Okay. Yep. I yep. Perfect. That's okay. We can get the contributions form sent to you with the Plum Super. So I'm just having a look at the statements here as well because I know you do have your insurance line, life insurance, and the funeral cover there, which is really important for you to keep. At the moment, the life insurance and the funeral cover is showing us a total sum insured of 200,512, and I know the funeral cover is also really important because you're covering your kids as well. Are you still comfortable paying for that level of cover out of your back pocket? You're happy with how that's structured? Yeah. No. That's okay. And, look, you can keep the insurance line policy if you're comfortable with doing that. There's nothing wrong with that whatsoever. It's more just you are paying for that out of pocket. And, I mean, from what I can see here, you're paying about $29.61 per month. Is that sort of how much you're paying for that one at the moment? Has that altered since we last got the research? 4714. Yep. So that would be the life, and that will be the funeral. And because the funeral policies how much have you covered yourself and the kids for with the funeral policies recently? We're just waiting on the rundown from insurance line. So sorry. Yep. That's okay. H. Well, those funeral policies, do they increase along with CPI? Do they increase every year as it goes through renewal? That's okay. I can go and have a look at that for you. I'll tell you what. I'll do a bit of research on those policies because I haven't done a lot of research on those policies recently for you. So I'll go back and have a bit more of a dig around the policies, what they offer, what happens with them, how they increase. That way we can kind of look at that for you. Happy to have you continue to pay for them. It's not a problem at all. I just wanna make sure I understand the policies in detail to kinda give you that information so you understand what it is that you've got. Okay? Mhmm. Mhmm. Mhmm. Okay. Ironically, you guys have just got the rundown emailed through, so I'm just pulling it up now to give you a hand with it. It's worked out really well, actually. So fortnightly. Okay. Yep. So your life cover, there is 200,512 of life in the event that you pass away. And then I what have we got? What's the increase? The total insurance line haven't give us anything on this funeral cover. They've only given us a life cover policy, but that's okay. I'll go back and find out more about that. But I'm just having a look at the standard cost of funerals because it is different depending on the kind of funeral that you do want or what they want to happen. Essentially, in Australia, the average funeral cost can range between 4,000 to about 15,000. It can be more if you have more elaborate sort of burials and things like that. But it really just depends upon what you do as well, whether you have to invite lots of people, whether you have lots of flowers, whether you have a really elaborate coffin, or whether you just kind of go through the cremation process, in which case it kinda can be a little bit cheaper as well. But estimated average cost of, say, cremation with no service, no attendance is about 2 to 4,000. With service, it's about 4 to 6,000. Burials are the ones that cost a bit more because you have to buy the plot and hold that for longer. So, realistically, the amount you have for them could be fairly sufficient. And if insurance line do increase the policy along with time, then you may be able to it may just automatically increase, which might help you along as well. Does that make sense? Yeah. Yep. Yeah. We have we have authorities on there. So I'll get the team to go back to insurance line and get through the schedules for the in for the funeral policies as well. We'll get that information updated. If they need a new authority or anything assigned, I'll get them to come back. I know they got you to sign one the other week for the plum sleeper. So if there's anything we'll need, I'll get them to come back. But I'll go back and do a bit of research and have a really good look at everything for you. Okay? Yeah. Yep. Yep. Yes. Yes. Yep. Yep. That's okay. Well, we can certainly help guide you along the way. With the the insurances, did you want us to maybe obtain a quote from insurance line for you to see what it would cost if you did increase that just so you can see the difference? Yep. How much did you think you wanted to increase the funeral policies to? Yeah. Right. Yeah. No. That's okay. Mhmm. That's okay. Well, I can have a look I can have a look and send you through a copy of the quote to show you what the difference is, and you can let me know what you wanna do with that. It's not a problem at all. Okay? Oh, good. Now with the plum Super, I'm just having a quick look at the insurance side of things with the super because with the Australian Super and the Plum Super, you've had the Australian Super for a while now, and it looks like you do have some insurances in both those super funds as well. So we just wanna sort of wanna work out what insurance wise is important because you do have that cover with your life cover with insurance line that you're paying out of pocket, and that covers you for 200,000 sorry. Let me go back there. 200,512. If you were to having a look at your circumstances now, if you were to pass away, what did you want your funeral like, what did you want your life cover to pay off? Would it be all your debts, or what did you want your life cover to to actually cover? Yep. Beautiful. You had a few buy now, pay laters and things like that. Do you you still have all of those? Yeah. Perfect. Have the debts decreased a little bit since since we last caught up, or are they still roughly the same? Yeah. Yep. Okay. That ain't that much. And are you planning to keep it open? Are you gonna cancel it and sort of put the money onto the next step and try to reduce the amount of buy now, pay ladders you have? Yep. Yep. Yeah. It's okay. Yeah. So the idea of the the budgets is you're starting off by paying one thing at a time. So using your free cash flow that you have, paying down the smallest debt first, and then closing it off. Closing it off is going to be the biggest benefit because if you have it open, you're more likely to still use it. So Afterpay was the shortest debt. It was the one that we were closer to paying off. And, again, it looks like it it might be the smallest debt. So using whatever free cash flow, you have to pay that down as fast as possible. Once it gets to zero, you close it off and you remove it. Then the money you were putting on that after pay, you put on to the next final pay later. You pay that down on a regular interval with the same amount, and you'll end up paying it off a lot faster. Once it gets to zero, you close it, and then you it's just like a trickle effect. You focus on one debt. You're still paying off all the others at the same rate. This is you're focusing your free cash flow on one particular debt. That way, you're knocking it out quickly, and focusing on one And focusing on one debt at a time and doing it this way gives you little wins. It's a it's a and finding the smallest one helps you because as human beings, our psyche wants us to see progress. We get excited when things are working in our favor, things that make us happy. So if we focus on the smallest debt first, you pay that out, you feel better, you know you've achieved something, and then you close it off and you work on the next one. And you start to feel better, and you're building habits by doing that as well. So that's essentially what that advice document was. It was just showing you where you could save some money to increase free cash flow, how you could utilize your savings to use to buy the chemist warehouse products because you were basically being able to free up money to do that. So then you could pay off your Afterpay, close it, and then use the money to the next step, then the next step. And the last one was that really big debt that you had everything consolidated to. Once you've closed off everything else, they will let you pay it off faster. They just wanna know where the money's coming from. So you just let them know that, essentially, you've you've freed got some free cash flow. You've, you know, freed up some money. You wanna pay it down, and that'll allow you to do that. And that's how you sort of get all of those debts paid down faster in, you know, an easier way, but it helps to make you feel better as well because you feel like you're achieving something as you close one off. Does that make sense? Yep. Yeah. Absolutely. Mhmm. Yep. Yep. That's okay. No issues at all. So with with the debts that you do have at the moment, do you know the total of all those of all the afterpays, the consolidated debts, the credit cards? Do you know what the total is owing on all of those at the moment? Yep. Yep. Yep. Yep. Yep. Yeah. No. Understandable. So it's about 3,000 and 45 on a monthly basis for everything. Mhmm. Yep. Mhmm. Okay. Perfect. So if you were to sorry. Go back into the solar life insurance sort of things. But if you were to pass away, that 200,000 because you don't own your own home at the moment, you don't have any mortgage to cover. Do you feel like that would be sufficient to cover all of your debts and then cover and you've got your funeral cover there as well? And then also provide a little bit to your kids knowing your super benefit is also paid out, so that's also part of it. Okay. Yeah. Perfect. So so if we add it all together because your balance between all three funds is around about a 122,705 and 88¢. And then, obviously, your life insurance with insurance line there, 200512. So it does provide a total benefit based on the current scenario of 323,217 and 88¢. So then if you've got, say, $30,000 in debt as an example, that could pay all of those out. Sorry. My computer just froze. Mhmm. Okay. Yep. Okay. So let's say so twenty, thirty. So let's just say it was about 50,000 all up as an example. You know, the benefit paid out minus, say, $50,000 in debt coverage leaves about $273,217.88, which can you know, if as per your instructions, you've mentioned you wanna have that then divided amongst your killed your kids in a certain way. Does that sound like enough to provide? Yeah. Yeah. Because you've got four kids, don't you? Yeah. Perfect. So divide that by four. It's about 68,000 each. You know what I mean? We're not all working just to make sure that, you know, they get a huge benefit once we all pass away. The idea of having life cover is a benefit to pay if something was to happen, basically, for covering debts and living expenses and things for your family. But having it just to give your kids a benefit is not always the best thing because we often don't claim on it. We often end up getting to $60.65 and deciding we don't need it anymore and canceling it. So that would essentially, based on the current scenario, could provide about 68,000 to each of your kids, which do you feel like that would be comfortable? Yeah. Nice. Yeah. Yeah. No. That's okay. That's absolutely fine. So with the Australian Super and the Plum Super, I'm having a look here. You do have a bit of cover. So when you opened up these funds, you must have picked yes to apply for a basic level of cover. They have got insurances in here, so I do have to talk to you about what you wanna do with those because I don't we don't wanna cancel them if you felt like you do need them, but at the same time, having three super funds open isn't generally preferable. Especially if you're not contributing to those funds. Those insurances do cancel eventually. So with the Plum Super, the amount of cover because your employer contributions are still going to there at the moment. Plumb sorry. I'm just going down on the document. Yes. Yeah. Wow. A tax though? Yeah. Yeah. Yeah. Yep. Yep. Makes sense. Yeah. Definitely. That's okay. Yeah. Tax rate due to change in circumstances. I just let you know you only have one job now. Yeah. You're right. With Brenda, with the Plumb Sleeper, it looks like there's no insurances here, which is a benefit to Plumb, so we can definitely look to consolidate that. There's no cover in this one. It would be due to the balance being lower. It's only 6,622. But in the Australian Super, you do have a 150,000 of life and total permanent disability cover. Would you feel like that is something you wanted to keep on top of your current insurances and the benefit we've just discussed, or is it something that's not important to you? How do you feel about the insurances in AustralianSuper and the level of cover? Yep. Yeah. Correct. Correct. Yeah. Understandable. There may be that's okay. There may be some ways where we might be able to look at trying to keep the cover but still being able to consolidate you. So I will look at all the different options to see what we can do. I just am trying to pull up your previous pre assessment you completed to see when that was. I'm not sure when that was. I might is it okay if I get the team to oh, actually, the last one here was in 2024 because just to see how what other options we might have for being able to help consolidate but retain the cover amounts you want. It doesn't look like we have a pre assessment we did back in 2024. Back then, you were didn't really have anything disclosed here. If I was to book in, maybe a call with one of my lovely admin team one day, maybe next week to go through a new pre assessment just so I can have a look at what we can do with the insurance and where we might be able to go advice wise to help consolidate and not have so many super funds. Would that be okay? Yep. Beautiful. Yep. Yep. Yep. Yep. Well, it doesn't matter what we you can still keep that. You can absolutely keep that. So what I'll look at doing what I'm looking at trying to do is to see whether I can maybe keep the Australian superinsurances and just transfer them to Hub twenty four. But I just need to do check your health and check your pre assessment to see if there's been any changes since we last did one and to see what options we have for doing that and what the costs are. So I'll book in a time for my team to do a bit of a pre assessment with you there, and then we can go forward and have a bit of a look at whether transferring is an option. That way, you can keep that extra level of cover. Either way, you can keep the Australian line sorry. Insurance line cover open. That's not a problem at all. It does not in any way, shape, or form affect the advice, and you're paying for out of pocket. So it doesn't affect your super funds either. Okay? Yeah. What what yes. With HUB24 it it honestly depends upon what we do. I've gotta do a bit of research around Hub twenty four, what the insurance options are. I need to do the pre assessment to assess, you know, what we can do and what we're able to do. So I'll do the research on that for you. If you like, I can do that research. I'll get you booked in to do a pre assessment. I'll do the research for you on the options, and then we can come back and talk about it. Does that sound okay? Yeah? Yes. Yes. Yep. Yep. Yeah. There's no insurances in Hub twenty four at the moment at all. There's nothing being paid out of Hub at the moment insurance wise. Yep. But I'll look at what I can do. What day next week suits you best to maybe go to a quick pre assessment with one of my beautiful admin team? Mhmm. Yeah. That's okay. We're open till about 02:30. Our last call is normally run at 01:00 on a Friday. Would that suit you at all, or did you want kind of the morning? Yeah. Perfect. So that'll be about 1PM on Friday next week, which is the March 6. Is that okay? Beautiful. It won't take long. I'll just run through a bit of a pre assessment questionnaire. We just update what we already have on file, and then I can go and do a little bit of research to see what options we have. And then I can come back and talk to you about it before we go to advise if you like. That way, you get a feel for what we're looking at, what we're trying to do, and it helps you to maybe think in the meantime what it is that you're after when we're looking at insurances, what you want to happen, that sort of thing. Does that sound okay? Perfect. Excellent. Now the other thing to sort of have a look at, look, your Superfund within Hub twenty four has done really well over the last twelve months. As I sort of mentioned that you have got about 94,000 in there. We have seen a little bit of a dip with one of the funds. So in your super fund, you've got a diversified portfolio. We have Australian equities. We've got US investments. We've got global health care, Asian investments, and we've got some cybersecurity to agriculture and battery and lithium tax. Within your portfolio over the last twelve months, your Australian the Benelon Australian Equities Partners has invested into Australian companies. That is down a little bit. They've had a bit of an issue underlying. I would like to maybe swap that out as part of the advice update, but we'll do all this at once so you can see everything. But, realistically, your portfolio was slightly down because of that investment. Overall, it's about 1% down, but you've still made a lot of money over the time. And when we look at how your portfolio has been growing over the last couple of years, you're still up overall. So just a small sort of pullback in that one investment, I wanna take it out and put something else in its place that's been working better and is gonna provide benefit. You comfortable with that? Yep. Beautiful. Do you know what age you'd like to be able to maybe stop working and retire? Are you working on 60 still, or do you think you'd work a bit longer? 55? Yep. Perfect. Tell you what. If if we won lotto, we'd all be out tomorrow, would we not? No. Yeah. No. That's okay. $2.00. It's always the people that don't need the money that win the lotto. $6.19 77. So you're 49 this year. Yep. Perfect. So we're working on 65 at the moment. That's okay. You've never had investments in your own name before? You've never owned shares before at all? Nope. That's okay. All good. And where are we? The other thing I wanted to sort of look at was if you looked at your super and it dropped by 20% to say we have, you know, another kind of COVID or GFC GFC style event and your super dropped significantly by, say, 20% in the next sort of six to twelve months. How do you think you might be feeling about that? Yeah. Yep. Mhmm. Yes. Yep. Yeah. No. That's okay. Yeah. No. Under understandable. Yeah. So, Brenda, with your portfolio at the moment, you are, from what I can see, in a bit more of a high growth environment there, and I'll go back and obviously double check the asset allocation as well. But that that essentially means that you are taking a bit more risk in the market in order to get those greater potential returns. So when we look at your super because you are wanting more returns, you are wanting those bigger numbers when it comes to your performance, you are taking more risk in the market to obtain that. And when we look at the high growth portfolio, because markets do go up and down and we can't predict what's gonna happen, the idea is we're participating in the market and and utilizing those downtimes to our advantage. But in this sort of portfolio that you're in, you do expect a negative return one in every sort of five years. And if the GFC style event came, no one can predict that. So not only would your HAB twenty four have to go through that, but every super fund would as well because that's, you know, it's generally Australia wide worldwide sort of event. Would you be comfortable knowing you were going through that sort of event and that your portfolio can come back and recover and that we're putting money into that downtime to advantage you, or do you think you'd be more concerned and wanting to move money out? So you'd you'd you'd be okay knowing that you can come out, that we're still putting your contributions in, and that you can take advantage of those downtimes? Yep. Yep. Perfect. No. That's okay. Because with where you are at the moment, the high growth sort of portfolio does suit someone who has at least eight years before they're wanting to access your super, you do generally sit within that sort of area when it comes to time horizon there. And this sort of portfolio, we are looking to try and average around about a 8% eight to 10% return on a yearly basis compounding that forward there. Do you feel like you're comfortable staying in that sort of environment? The way you've answered the questions, I sort of feel like you are fairly happy to stay in that one, though market drops would make you a bit more concerned. Are you comfortable taking on more risk to try and get better returns knowing that? Yep. Yep. Beautiful. Did you want me to maybe look at salary sacrifice in the super and making additional contributions to help you meet your goals, or Yep. Yep. Did you want me to incorporate that into the advice and maybe look at something small? We can start with 20 or $40 on a weekly or fortnightly basis and then kinda work it from there, or do you want that something down the track? Yes. Perfect. Yep. That's okay. Yeah. Yeah. Perfect. Do you think you'd be comfortable starting with 20 on a week or fortnightly basis or 40? What do you think starting point might look comfortable for you? 40 on a weekly or fortnightly basis. Sorry. I know you're paid monthly. Monthly? That's okay. So 40 per month to start with. We can have a look at that. And then as time grows, we can always alter. Starting that sort of thing now does provide a greater benefit because you are starting you've got a longer time for the compounding effect to work for you. So I can incorporate that into the advice for you, and we can update all of that. That's not a problem at all. Okay? Perfect. Now the only other thing to sorta look at here is with your estate planning side of things, I can see on one of your super funds here, you've got it noted that you want the funds to go to your kids. All of your kids are working in nontax dependence. Did you want me to factor that in as in the most tax effective way? Because, realistically, by nominating each of your children, if in the event you were to pass away, if they're receiving your super, they can have to pay tax on that when they receive it. So I can look at a way to incorporate your state planning to nominate them if that's what you're comfortable with in the most tax effective way for you. Yep. Perfect. And have you spoken to a solicitor or had a will drawn up in the past few years at all? Okay. That's okay. Not a problem at all. We can incorporate the estate planning side of things for you. And with implementation, we can always send you referral information for a local solicitor we use and, obviously, costing so you can understand what that cost as well. Is that okay? Yep. Beautiful. Beautiful. Excellent. Yeah. Yep. Yep. Yeah. Yeah. Absolutely. Yeah. Yes. Absolutely. No. Look. It definitely is. With what I would be looking at doing first is focusing on the paying down of the debts because, realistically, investment property is great. It's a good asset. And down the track, you absolutely can. However, they do look at your income and the debts that you have. And the more buy now, pay later options you have, lenders do actually look they're gonna be on those. So if you can pay off those buy now, pay laters, close them down, and then start saving, You'll basically be showing that you've got a savings habit, that you've paid off your debts, so that you've got that you're able to manage money, and that's what lenders are gonna look really positively on. So that is something you can definitely look at down the track. We can always just say to a mortgage broker when you are ready and when that time comes. But for now, I would be focusing on you getting your debts paid down, closing off a lot of those buy now, pay laters, and then putting money into savings on a regular basis so you've got a savings habit. And then we go to the mortgage broker and look at what you can borrow, what you can buy, and how we get there. But doing things one at a time, but knowing that your long term goal is perfect. Does that help? Does that make sense? Yep. Perfect. Perfect. So goal wise, we're paying down debt. So you wanna get an investment property down the track and into the property market there. With your super, we're working on age 65. You wanna look at what to do with the insurance cover. You just wanna be covered for best amount of in life of cover as possible. You don't have any income protection cover or anything there. Do you know do you have obviously, you're starting this new job as well. But if you were really sick or injured and you were not able to go to work, how do you think you would fund expenses at the moment? No. Correct. So we don't have any at the moment, and it does leave a bit of a risk and a gap there. If you're not able to go to work in the short term, being as you are single, it does mean with not much in the way of savings and the expenses you have at the moment, it might be hard to live, which means you may have to apply for Centrelink, which can take anywhere from thirteen weeks for approval. So I can look at maybe some income protection options, have a look at what's out there, what's available, and we'll do the pre assessment. I'll do some research on some options, and then we can come back and have a really good insurance conversation about what you're after. Does that sound okay? Beautiful. Yes. Correct. Yep. Absolutely. And the other type of coverage you don't have here is trauma. So trauma tends to pay out a lump sum tax free benefit in the event that you are, say, diagnosed with a a very large traumatic condition. Cancer tends to be one of the biggest ones claimable. It's also on Parkinson's, other neurological conditions as well. There's a whole host of things, but trauma has to be paid out of your back pocket. Did you wanna look at some trauma to give you a little bit of an extra buffer there at all, or are you kinda not wanting to add to the out of pocket expenses? Yep. Yeah. Mhmm. Yep. Yep. Yep. Yep. Yep. No. That's okay. Not a problem. When we look at trauma, it can you can sorta cover yourself for whatever amount you feel is comfortable. Some people wanna look at maybe covering one or two years worth of their net or gross income to give them you that buffer to take maybe a year off or something. Do you know what you might be comfortable with me looking at for trauma cover wise? Just one or two years worth of gross or net income? What do you think might be appropriate? One year first? Perfect. And with you're right. Yep. No. Correct. Yeah. Correct. Absolutely. With income protection, they have what's called a waiting period. Because you are starting your new job there, you are an administration, have been doing a very similar role over the past couple of years. I'll have a look at what the options are available to you. You can be covered for up to 70% of your current income. Given that you are single, that you don't have a lot of savings behind you, you want me to look at the highest of 70% of cover. Is that right? Yep. Beautiful. And with income protection, I have a waiting period. The lowest is about four weeks when we're paying for inside super. You're comfortable with me looking at the lowest waiting period so you don't have to wait as long to claim? Yep. And with the benefit period, this is how long you can be on an income protection claim for. They start at two years, can be five years, or up to age 65. The longer the benefit period, the more expensive the insurance is gonna be, but the more cover you have as well. Do you think you would only wanna be off for two years or should only be off for two years, or do you want me to look at something like five years to see what the cost might be and the effect on your super? Yep. Yeah. Absolutely. I can have a look at those options. So what I'll do in yeah. Sorry. It can. Yeah. So with income protection, the same as life and TPD, you can have it structured so it's inside super, so you're limiting your premiums coming out of your back pocket. You're comfortable with me doing that. You're happy to have the income protection inside super? Yep. Beautiful. Not a problem. With the draw you're right. Sorry. Yep. Yep. Yep. That's okay. I'll have a look at all the options. Yeah. I'll I'll do the research and have a look at the options. We've got some things to do, and I definitely wanna have another conversation with you. So I've booked in your pre assessment with the admin team next Friday. I'll get them to give you a call at 01:00 Queensland time and go through that with you. I've added a text message reminder, so it sends you a text message about an hour prior to let you know that they are calling so we can go through that. Once I've got that, I can go through and do the research. And then once I've got the research, I'll come back. You and I can talk about the research I've done, what's available, the expected cost, and how you feel about it. And then we can knock down your goal for insurances and work out how to move forward for you, and I can do super insurances as a nice big updated advice document for you. Does that sound okay? Yep. Perfect. All good. Look, Brenda, I will let you go. I appreciate your time today. I've got everything I need for the moment. I've booked in the pre assessment. Once we get that, we can move on to the next stage. Is that okay? You're happy moving forward that way? You're beautiful. Yep. Yep. Yep. Yeah. No. Perfect. All good. Yep. Not a problem at all. Not a worry. Well, good luck with your job next week. I'll talk to you very soon, and let's get this show on the road. We'll get things moving and update the advice for you and help you along the way. Okay? No. That's okay. Enjoy the rest of your enjoy the rest of your week off. My pleasure. Thank you. See you, Brenda. 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Brenda. This is Zena from Okie Financial. How are you today? I'm very well. Thank you.\n\nI had you booked in to go through a bit of an annual review with you today. Isn't now still a good time? That's okay. How's your morning been so far? Yep.\n\nYeah. Understandable. All good. Brenda, just to let you know, moving forward, we do recur our calls for quality and training purposes. Are you happy for us to proceed with that?\n\nYep. Lovely. And, also, just to do security there with you as well, we are discussing your personal information. So I'll just get you to confirm your full name, date of birth, and address I should have on file. Perfect.\n\nThank you so much for that. So as I said, I have you booked in to go through your annual review. Do you happen to have access to your emails at the moment? Or yeah. Perfect.\n\nI'm just gonna send through some annual review documents to you. If I can get you to pop into your emails there and pull these ones up, we can kinda just go through those as we are going through and updating all of your circumstances. We have had a bit of a look at things. It looks like there is some advice that we can definitely provide to sort of help you look at your super, and I can see you've also opened up another super recently as well. You've got a new job, have you?\n\nYeah. Mhmm. Yep. Yep. Yeah.\n\nYep. No. Perfect. So with the new role, who is that working for? What who's the new employer?\n\nYep. Perfect. Yeah. That's the one thing I didn't wanna look at. I can see here you've got the three super funds open that is obviously costing you more in the way of fees.\n\nSo part of today, I did wanna talk about what, you know, what your goals are, what you wanna do, and maybe update the advice to reflect for you. Absolutely. So you still with Venty, which is fantastic. Is your role staying roughly the same? Are you gonna be doing the same sort of work?\n\nOr no? Yeah. Yep. Yeah. Perfect.\n\nSo keeping them in work. That's fantastic. Excellent. And income wise, what are you sort of expecting to earn with this new role? You mentioned it was a bit more money.\n\nPerfect. Yep. Yep. Yep. So that that's including the super?\n\nYeah. That's okay. Yeah. Absolutely. Yep.\n\nYep. Yep. Yep. Okay. Perfect.\n\nSo the 110 is including your superannuation there. Perfect. And have you asked your new employer to continue salary sacrificing at all, or is it something you've stopped for the time being? Yep. Yep.\n\nYep. Okay. Perfect. Perfect. And are you gonna be asking them to contribute anything additional to super over and above, like salary sacrifice into super at all, or you're not wanting to do that at the moment?\n\nBecause I know you were doing that into one of your other super funds, your last job. Yeah. Right. Yep. Yep.\n\nYep. Yep. Yep. Yep. No.\n\nThat's okay. All good. So paid monthly, that'll be a little bit harder. Having a secondary account could also work as well for you where you work out, divide your pay by, you know, four weeks for the month or however many weeks in the month. Sometimes there's a few extra days there.\n\nAnd then just maybe transfer over what you need that week and keep the rest out of your main account, which can also give you a bit of assistance there. But it also comes down to whatever works for you. So if having all the money there is easier, that's absolutely fine. But that's just something that can work for for other people I know as well where they transfer majority of things out. They just have their weekly amount in there, and then they can you know, it helps them to out of sight, out of mind for a short period as well.\n\nYeah. Yeah. Yep. Yep. Yep.\n\nYep. Yeah. Yep. Perfect. No.\n\nAbsolutely not. Completely understand. Well, when you get the payout, you know, definitely put that away somewhere. When it comes down to savings, sometimes starting smaller is not a bad thing as well. So just finding, you know, 20 or 30 or $50 on a weekly basis and moving that into your goal saver.\n\nSo you build that habit slowly and gradually. And then as you get comfortable with the amount of money you're putting away and you get, you know, more comfortable with seeing it there and not transferring it back, then you can kinda build that up. Sometimes when we start with a larger figure, we put too much in our savings, and then we find we have bigger bills or something happens, and we need that money back. So we make a habit of bringing it back. So starting off smaller is absolutely a good habit to start with as well, so you could always try that to see how you go.\n\nOkay? Yeah. Yeah. At the end of it, yeah. So that's your ongoing service agreement and all the bits and pieces.\n\nI'm gonna go through a lot of those documents and give you an update of of what's happening with your super and talk a bit more about your goals there. But at the end of it, I'll get you to sign. I don't want you to sign anything you haven't read, but we'll go through that in ongoing sales agreement shortly with you. Okay? That's okay.\n\nAll good. While you are looking at it, let's touch on that now. It's a really good thing to sort of go through. The first document you'll see in this sorry. Mine I sent the documents to you, but mine's a little bit slow to kinda bring them back up.\n\nBut, essentially, it is showing you the ongoing service agreement that has been sent there. Essentially, you do as an ongoing service client, you do pay us an ongoing service fee of 1.65% per annum. That is deducted in smaller monthly increments out of your super account. And, essentially, the idea of a percentage based fee is that it fluctuates with the market. When the market is doing much better, it means that our fee is gonna be slightly higher, but you're benefiting from the greater returns.\n\nHowever, when the market takes a bit of a dip due to external market factors, the fee you pay us will also take a dip and be lower. Okay? Essentially, to be because having a look at your super account, we with Christmas, everyone was a bit crazy. You're obviously in a bit of a transition there as well. So your ongoing service fee did actually switch off on your super account as of December.\n\nSo this is the switching it all back on again so we can keep providing advice and keep servicing you as a client and keep looking after you. Okay? Perfect. So we do need that one to be signed and sent back. The underneath that, you've got your tax file opt in form.\n\nThat is just letting you know that we do hold your tax file number on file. We do have to because we help set up your super account and look after insurances and things like that for you. We just have to make sure you're aware of the information. We do hold on you. It is sensitive information, and we wanted to make sure we update our records so you're aware of that.\n\nOkay? Yep. Perfect. Those are the only two documents to sign. Jacob also organized for the external third party authority to be signed for your plum super, so we have got the information on that for you.\n\nBut attached to that DocuSign, we do also have some other documents there. I'm not sure if you can see the attachments. Can you see where the attachments are at all? No. It should be attached to this docu this document, the Odoo sign here.\n\nNo. That's okay. It might be so when you go out of the email then go back in, there should be some attachments there as well, but we have attached the financial services guide there for you. And that essentially outlines all of our services. It has a lovely photo of me in there for you, Brenda, so you can have a look at what I look like as well.\n\nIt's got my registration information as I'm a registered adviser. I'm registered through ASIC and under OQ Financial Australian Financial Services license. We've also got on there your summary. Now this is a really good thing to kinda go through. So I can also email this to you separately after the course you'd like, but the summary sort of shows you your current balances within all the super funds and the insurances that you hold at the moment.\n\nSo in Hub twenty four, your super balance is up to 94,000 set $94,013.66. In Australian super, you've currently got a a balance of 22,069 and 54¢. And in Plum Super, a balance of $6,622.68. So we do wanna maybe look at trying to consolidate some of those things. Having three super funds open does mean you are paying more in overall fees, and it can affect your retirement moving forward as well.\n\nDoes your employer your new employer with Ventia, have they they haven't stipulated that they have to transfer contributions anywhere? You're fine having those in hub twenty four as you have always? Okay. Yep. I yep.\n\nPerfect. That's okay. We can get the contributions form sent to you with the Plum Super. So I'm just having a look at the statements here as well because I know you do have your insurance line, life insurance, and the funeral cover there, which is really important for you to keep. At the moment, the life insurance and the funeral cover is showing us a total sum insured of 200,512, and I know the funeral cover is also really important because you're covering your kids as well.\n\nAre you still comfortable paying for that level of cover out of your back pocket? You're happy with how that's structured? Yeah. No. That's okay.\n\nAnd, look, you can keep the insurance line policy if you're comfortable with doing that. There's nothing wrong with that whatsoever. It's more just you are paying for that out of pocket. And, I mean, from what I can see here, you're paying about $29.61 per month. Is that sort of how much you're paying for that one at the moment?\n\nHas that altered since we last got the research? 4714. Yep. So that would be the life, and that will be the funeral. And because the funeral policies how much have you covered yourself and the kids for with the funeral policies recently?\n\nWe're just waiting on the rundown from insurance line. So sorry. Yep. That's okay. H.\n\nWell, those funeral policies, do they increase along with CPI? Do they increase every year as it goes through renewal? That's okay. I can go and have a look at that for you. I'll tell you what.\n\nI'll do a bit of research on those policies because I haven't done a lot of research on those policies recently for you. So I'll go back and have a bit more of a dig around the policies, what they offer, what happens with them, how they increase. That way we can kind of look at that for you. Happy to have you continue to pay for them. It's not a problem at all.\n\nI just wanna make sure I understand the policies in detail to kinda give you that information so you understand what it is that you've got. Okay? Mhmm. Mhmm. Mhmm.\n\nOkay. Ironically, you guys have just got the rundown emailed through, so I'm just pulling it up now to give you a hand with it. It's worked out really well, actually. So fortnightly. Okay.\n\nYep. So your life cover, there is 200,512 of life in the event that you pass away. And then I what have we got? What's the increase? The total insurance line haven't give us anything on this funeral cover.\n\nThey've only given us a life cover policy, but that's okay. I'll go back and find out more about that. But I'm just having a look at the standard cost of funerals because it is different depending on the kind of funeral that you do want or what they want to happen. Essentially, in Australia, the average funeral cost can range between 4,000 to about 15,000. It can be more if you have more elaborate sort of burials and things like that.\n\nBut it really just depends upon what you do as well, whether you have to invite lots of people, whether you have lots of flowers, whether you have a really elaborate coffin, or whether you just kind of go through the cremation process, in which case it kinda can be a little bit cheaper as well. But estimated average cost of, say, cremation with no service, no attendance is about 2 to 4,000. With service, it's about 4 to 6,000. Burials are the ones that cost a bit more because you have to buy the plot and hold that for longer. So, realistically, the amount you have for them could be fairly sufficient.\n\nAnd if insurance line do increase the policy along with time, then you may be able to it may just automatically increase, which might help you along as well. Does that make sense? Yeah. Yep. Yeah.\n\nWe have we have authorities on there. So I'll get the team to go back to insurance line and get through the schedules for the in for the funeral policies as well. We'll get that information updated. If they need a new authority or anything assigned, I'll get them to come back. I know they got you to sign one the other week for the plum sleeper.\n\nSo if there's anything we'll need, I'll get them to come back. But I'll go back and do a bit of research and have a really good look at everything for you. Okay? Yeah. Yep.\n\nYep. Yes. Yes. Yep. Yep.\n\nThat's okay. Well, we can certainly help guide you along the way. With the the insurances, did you want us to maybe obtain a quote from insurance line for you to see what it would cost if you did increase that just so you can see the difference? Yep. How much did you think you wanted to increase the funeral policies to?\n\nYeah. Right. Yeah. No. That's okay.\n\nMhmm. That's okay. Well, I can have a look I can have a look and send you through a copy of the quote to show you what the difference is, and you can let me know what you wanna do with that. It's not a problem at all. Okay?\n\nOh, good. Now with the plum Super, I'm just having a quick look at the insurance side of things with the super because with the Australian Super and the Plum Super, you've had the Australian Super for a while now, and it looks like you do have some insurances in both those super funds as well. So we just wanna sort of wanna work out what insurance wise is important because you do have that cover with your life cover with insurance line that you're paying out of pocket, and that covers you for 200,000 sorry. Let me go back there. 200,512.\n\nIf you were to having a look at your circumstances now, if you were to pass away, what did you want your funeral like, what did you want your life cover to pay off? Would it be all your debts, or what did you want your life cover to to actually cover? Yep. Beautiful. You had a few buy now, pay laters and things like that.\n\nDo you you still have all of those? Yeah. Perfect. Have the debts decreased a little bit since since we last caught up, or are they still roughly the same? Yeah.\n\nYep. Okay. That ain't that much. And are you planning to keep it open? Are you gonna cancel it and sort of put the money onto the next step and try to reduce the amount of buy now, pay ladders you have?\n\nYep. Yep. Yeah. It's okay. Yeah.\n\nSo the idea of the the budgets is you're starting off by paying one thing at a time. So using your free cash flow that you have, paying down the smallest debt first, and then closing it off. Closing it off is going to be the biggest benefit because if you have it open, you're more likely to still use it. So Afterpay was the shortest debt. It was the one that we were closer to paying off.\n\nAnd, again, it looks like it it might be the smallest debt. So using whatever free cash flow, you have to pay that down as fast as possible. Once it gets to zero, you close it off and you remove it. Then the money you were putting on that after pay, you put on to the next final pay later. You pay that down on a regular interval with the same amount, and you'll end up paying it off a lot faster.\n\nOnce it gets to zero, you close it, and then you it's just like a trickle effect. You focus on one debt. You're still paying off all the others at the same rate. This is you're focusing your free cash flow on one particular debt. That way, you're knocking it out quickly, and focusing on one And focusing on one debt at a time and doing it this way gives you little wins.\n\nIt's a it's a and finding the smallest one helps you because as human beings, our psyche wants us to see progress. We get excited when things are working in our favor, things that make us happy. So if we focus on the smallest debt first, you pay that out, you feel better, you know you've achieved something, and then you close it off and you work on the next one. And you start to feel better, and you're building habits by doing that as well. So that's essentially what that advice document was.\n\nIt was just showing you where you could save some money to increase free cash flow, how you could utilize your savings to use to buy the chemist warehouse products because you were basically being able to free up money to do that. So then you could pay off your Afterpay, close it, and then use the money to the next step, then the next step. And the last one was that really big debt that you had everything consolidated to. Once you've closed off everything else, they will let you pay it off faster. They just wanna know where the money's coming from.\n\nSo you just let them know that, essentially, you've you've freed got some free cash flow. You've, you know, freed up some money. You wanna pay it down, and that'll allow you to do that. And that's how you sort of get all of those debts paid down faster in, you know, an easier way, but it helps to make you feel better as well because you feel like you're achieving something as you close one off. Does that make sense?\n\nYep. Yeah. Absolutely. Mhmm. Yep.\n\nYep. That's okay. No issues at all. So with with the debts that you do have at the moment, do you know the total of all those of all the afterpays, the consolidated debts, the credit cards? Do you know what the total is owing on all of those at the moment?\n\nYep. Yep. Yep. Yep. Yep.\n\nYeah. No. Understandable. So it's about 3,000 and 45 on a monthly basis for everything. Mhmm.\n\nYep. Mhmm. Okay. Perfect. So if you were to sorry.\n\nGo back into the solar life insurance sort of things. But if you were to pass away, that 200,000 because you don't own your own home at the moment, you don't have any mortgage to cover. Do you feel like that would be sufficient to cover all of your debts and then cover and you've got your funeral cover there as well? And then also provide a little bit to your kids knowing your super benefit is also paid out, so that's also part of it. Okay.\n\nYeah. Perfect. So so if we add it all together because your balance between all three funds is around about a 122,705 and 88¢. And then, obviously, your life insurance with insurance line there, 200512. So it does provide a total benefit based on the current scenario of 323,217 and 88¢.\n\nSo then if you've got, say, $30,000 in debt as an example, that could pay all of those out. Sorry. My computer just froze. Mhmm. Okay.\n\nYep. Okay. So let's say so twenty, thirty. So let's just say it was about 50,000 all up as an example. You know, the benefit paid out minus, say, $50,000 in debt coverage leaves about $273,217.88, which can you know, if as per your instructions, you've mentioned you wanna have that then divided amongst your killed your kids in a certain way.\n\nDoes that sound like enough to provide? Yeah. Yeah. Because you've got four kids, don't you? Yeah.\n\nPerfect. So divide that by four. It's about 68,000 each. You know what I mean? We're not all working just to make sure that, you know, they get a huge benefit once we all pass away.\n\nThe idea of having life cover is a benefit to pay if something was to happen, basically, for covering debts and living expenses and things for your family. But having it just to give your kids a benefit is not always the best thing because we often don't claim on it. We often end up getting to $60.65 and deciding we don't need it anymore and canceling it. So that would essentially, based on the current scenario, could provide about 68,000 to each of your kids, which do you feel like that would be comfortable? Yeah.\n\nNice. Yeah. Yeah. No. That's okay.\n\nThat's absolutely fine. So with the Australian Super and the Plum Super, I'm having a look here. You do have a bit of cover. So when you opened up these funds, you must have picked yes to apply for a basic level of cover. They have got insurances in here, so I do have to talk to you about what you wanna do with those because I don't we don't wanna cancel them if you felt like you do need them, but at the same time, having three super funds open isn't generally preferable.\n\nEspecially if you're not contributing to those funds. Those insurances do cancel eventually. So with the Plum Super, the amount of cover because your employer contributions are still going to there at the moment. Plumb sorry. I'm just going down on the document.\n\nYes. Yeah. Wow. A tax though? Yeah.\n\nYeah. Yeah. Yep. Yep. Makes sense.\n\nYeah. Definitely. That's okay. Yeah. Tax rate due to change in circumstances.\n\nI just let you know you only have one job now. Yeah. You're right. With Brenda, with the Plumb Sleeper, it looks like there's no insurances here, which is a benefit to Plumb, so we can definitely look to consolidate that. There's no cover in this one.\n\nIt would be due to the balance being lower. It's only 6,622. But in the Australian Super, you do have a 150,000 of life and total permanent disability cover. Would you feel like that is something you wanted to keep on top of your current insurances and the benefit we've just discussed, or is it something that's not important to you? How do you feel about the insurances in AustralianSuper and the level of cover?\n\nYep. Yeah. Correct. Correct. Yeah.\n\nUnderstandable. There may be that's okay. There may be some ways where we might be able to look at trying to keep the cover but still being able to consolidate you. So I will look at all the different options to see what we can do. I just am trying to pull up your previous pre assessment you completed to see when that was.\n\nI'm not sure when that was. I might is it okay if I get the team to oh, actually, the last one here was in 2024 because just to see how what other options we might have for being able to help consolidate but retain the cover amounts you want. It doesn't look like we have a pre assessment we did back in 2024. Back then, you were didn't really have anything disclosed here. If I was to book in, maybe a call with one of my lovely admin team one day, maybe next week to go through a new pre assessment just so I can have a look at what we can do with the insurance and where we might be able to go advice wise to help consolidate and not have so many super funds.\n\nWould that be okay? Yep. Beautiful. Yep. Yep.\n\nYep. Yep. Well, it doesn't matter what we you can still keep that. You can absolutely keep that. So what I'll look at doing what I'm looking at trying to do is to see whether I can maybe keep the Australian superinsurances and just transfer them to Hub twenty four.\n\nBut I just need to do check your health and check your pre assessment to see if there's been any changes since we last did one and to see what options we have for doing that and what the costs are. So I'll book in a time for my team to do a bit of a pre assessment with you there, and then we can go forward and have a bit of a look at whether transferring is an option. That way, you can keep that extra level of cover. Either way, you can keep the Australian line sorry. Insurance line cover open.\n\nThat's not a problem at all. It does not in any way, shape, or form affect the advice, and you're paying for out of pocket. So it doesn't affect your super funds either. Okay? Yeah.\n\nWhat what yes. With HUB24 it it honestly depends upon what we do. I've gotta do a bit of research around Hub twenty four, what the insurance options are. I need to do the pre assessment to assess, you know, what we can do and what we're able to do. So I'll do the research on that for you.\n\nIf you like, I can do that research. I'll get you booked in to do a pre assessment. I'll do the research for you on the options, and then we can come back and talk about it. Does that sound okay? Yeah?\n\nYes. Yes. Yep. Yep. Yeah.\n\nThere's no insurances in Hub twenty four at the moment at all. There's nothing being paid out of Hub at the moment insurance wise. Yep. But I'll look at what I can do. What day next week suits you best to maybe go to a quick pre assessment with one of my beautiful admin team?\n\nMhmm. Yeah. That's okay. We're open till about 02:30. Our last call is normally run at 01:00 on a Friday.\n\nWould that suit you at all, or did you want kind of the morning? Yeah. Perfect. So that'll be about 1PM on Friday next week, which is the March 6. Is that okay?\n\nBeautiful. It won't take long. I'll just run through a bit of a pre assessment questionnaire. We just update what we already have on file, and then I can go and do a little bit of research to see what options we have. And then I can come back and talk to you about it before we go to advise if you like.\n\nThat way, you get a feel for what we're looking at, what we're trying to do, and it helps you to maybe think in the meantime what it is that you're after when we're looking at insurances, what you want to happen, that sort of thing. Does that sound okay? Perfect. Excellent. Now the other thing to sort of have a look at, look, your Superfund within Hub twenty four has done really well over the last twelve months.\n\nAs I sort of mentioned that you have got about 94,000 in there. We have seen a little bit of a dip with one of the funds. So in your super fund, you've got a diversified portfolio. We have Australian equities. We've got US investments.\n\nWe've got global health care, Asian investments, and we've got some cybersecurity to agriculture and battery and lithium tax. Within your portfolio over the last twelve months, your Australian the Benelon Australian Equities Partners has invested into Australian companies. That is down a little bit. They've had a bit of an issue underlying. I would like to maybe swap that out as part of the advice update, but we'll do all this at once so you can see everything.\n\nBut, realistically, your portfolio was slightly down because of that investment. Overall, it's about 1% down, but you've still made a lot of money over the time. And when we look at how your portfolio has been growing over the last couple of years, you're still up overall. So just a small sort of pullback in that one investment, I wanna take it out and put something else in its place that's been working better and is gonna provide benefit. You comfortable with that?\n\nYep. Beautiful. Do you know what age you'd like to be able to maybe stop working and retire? Are you working on 60 still, or do you think you'd work a bit longer? 55?\n\nYep. Perfect. Tell you what. If if we won lotto, we'd all be out tomorrow, would we not? No.\n\nYeah. No. That's okay. $2.00. It's always the people that don't need the money that win the lotto.\n\n$6.19 77. So you're 49 this year. Yep. Perfect. So we're working on 65 at the moment.\n\nThat's okay. You've never had investments in your own name before? You've never owned shares before at all? Nope. That's okay.\n\nAll good. And where are we? The other thing I wanted to sort of look at was if you looked at your super and it dropped by 20% to say we have, you know, another kind of COVID or GFC GFC style event and your super dropped significantly by, say, 20% in the next sort of six to twelve months. How do you think you might be feeling about that? Yeah.\n\nYep. Mhmm. Yes. Yep. Yeah.\n\nNo. That's okay. Yeah. No. Under understandable.\n\nYeah. So, Brenda, with your portfolio at the moment, you are, from what I can see, in a bit more of a high growth environment there, and I'll go back and obviously double check the asset allocation as well. But that that essentially means that you are taking a bit more risk in the market in order to get those greater potential returns. So when we look at your super because you are wanting more returns, you are wanting those bigger numbers when it comes to your performance, you are taking more risk in the market to obtain that. And when we look at the high growth portfolio, because markets do go up and down and we can't predict what's gonna happen, the idea is we're participating in the market and and utilizing those downtimes to our advantage.\n\nBut in this sort of portfolio that you're in, you do expect a negative return one in every sort of five years. And if the GFC style event came, no one can predict that. So not only would your HAB twenty four have to go through that, but every super fund would as well because that's, you know, it's generally Australia wide worldwide sort of event. Would you be comfortable knowing you were going through that sort of event and that your portfolio can come back and recover and that we're putting money into that downtime to advantage you, or do you think you'd be more concerned and wanting to move money out? So you'd you'd you'd be okay knowing that you can come out, that we're still putting your contributions in, and that you can take advantage of those downtimes?\n\nYep. Yep. Perfect. No. That's okay.\n\nBecause with where you are at the moment, the high growth sort of portfolio does suit someone who has at least eight years before they're wanting to access your super, you do generally sit within that sort of area when it comes to time horizon there. And this sort of portfolio, we are looking to try and average around about a 8% eight to 10% return on a yearly basis compounding that forward there. Do you feel like you're comfortable staying in that sort of environment? The way you've answered the questions, I sort of feel like you are fairly happy to stay in that one, though market drops would make you a bit more concerned. Are you comfortable taking on more risk to try and get better returns knowing that?\n\nYep. Yep. Beautiful. Did you want me to maybe look at salary sacrifice in the super and making additional contributions to help you meet your goals, or Yep. Yep.\n\nDid you want me to incorporate that into the advice and maybe look at something small? We can start with 20 or $40 on a weekly or fortnightly basis and then kinda work it from there, or do you want that something down the track? Yes. Perfect. Yep.\n\nThat's okay. Yeah. Yeah. Perfect. Do you think you'd be comfortable starting with 20 on a week or fortnightly basis or 40?\n\nWhat do you think starting point might look comfortable for you? 40 on a weekly or fortnightly basis. Sorry. I know you're paid monthly. Monthly?\n\nThat's okay. So 40 per month to start with. We can have a look at that. And then as time grows, we can always alter. Starting that sort of thing now does provide a greater benefit because you are starting you've got a longer time for the compounding effect to work for you.\n\nSo I can incorporate that into the advice for you, and we can update all of that. That's not a problem at all. Okay? Perfect. Now the only other thing to sorta look at here is with your estate planning side of things, I can see on one of your super funds here, you've got it noted that you want the funds to go to your kids.\n\nAll of your kids are working in nontax dependence. Did you want me to factor that in as in the most tax effective way? Because, realistically, by nominating each of your children, if in the event you were to pass away, if they're receiving your super, they can have to pay tax on that when they receive it. So I can look at a way to incorporate your state planning to nominate them if that's what you're comfortable with in the most tax effective way for you. Yep.\n\nPerfect. And have you spoken to a solicitor or had a will drawn up in the past few years at all? Okay. That's okay. Not a problem at all.\n\nWe can incorporate the estate planning side of things for you. And with implementation, we can always send you referral information for a local solicitor we use and, obviously, costing so you can understand what that cost as well. Is that okay? Yep. Beautiful.\n\nBeautiful. Excellent. Yeah. Yep. Yep.\n\nYeah. Yeah. Absolutely. Yeah. Yes.\n\nAbsolutely. No. Look. It definitely is. With what I would be looking at doing first is focusing on the paying down of the debts because, realistically, investment property is great.\n\nIt's a good asset. And down the track, you absolutely can. However, they do look at your income and the debts that you have. And the more buy now, pay later options you have, lenders do actually look they're gonna be on those. So if you can pay off those buy now, pay laters, close them down, and then start saving, You'll basically be showing that you've got a savings habit, that you've paid off your debts, so that you've got that you're able to manage money, and that's what lenders are gonna look really positively on.\n\nSo that is something you can definitely look at down the track. We can always just say to a mortgage broker when you are ready and when that time comes. But for now, I would be focusing on you getting your debts paid down, closing off a lot of those buy now, pay laters, and then putting money into savings on a regular basis so you've got a savings habit. And then we go to the mortgage broker and look at what you can borrow, what you can buy, and how we get there. But doing things one at a time, but knowing that your long term goal is perfect.\n\nDoes that help? Does that make sense? Yep. Perfect. Perfect.\n\nSo goal wise, we're paying down debt. So you wanna get an investment property down the track and into the property market there. With your super, we're working on age 65. You wanna look at what to do with the insurance cover. You just wanna be covered for best amount of in life of cover as possible.\n\nYou don't have any income protection cover or anything there. Do you know do you have obviously, you're starting this new job as well. But if you were really sick or injured and you were not able to go to work, how do you think you would fund expenses at the moment? No. Correct.\n\nSo we don't have any at the moment, and it does leave a bit of a risk and a gap there. If you're not able to go to work in the short term, being as you are single, it does mean with not much in the way of savings and the expenses you have at the moment, it might be hard to live, which means you may have to apply for Centrelink, which can take anywhere from thirteen weeks for approval. So I can look at maybe some income protection options, have a look at what's out there, what's available, and we'll do the pre assessment. I'll do some research on some options, and then we can come back and have a really good insurance conversation about what you're after. Does that sound okay?\n\nBeautiful. Yes. Correct. Yep. Absolutely.\n\nAnd the other type of coverage you don't have here is trauma. So trauma tends to pay out a lump sum tax free benefit in the event that you are, say, diagnosed with a a very large traumatic condition. Cancer tends to be one of the biggest ones claimable. It's also on Parkinson's, other neurological conditions as well. There's a whole host of things, but trauma has to be paid out of your back pocket.\n\nDid you wanna look at some trauma to give you a little bit of an extra buffer there at all, or are you kinda not wanting to add to the out of pocket expenses? Yep. Yeah. Mhmm. Yep.\n\nYep. Yep. Yep. Yep. No.\n\nThat's okay. Not a problem. When we look at trauma, it can you can sorta cover yourself for whatever amount you feel is comfortable. Some people wanna look at maybe covering one or two years worth of their net or gross income to give them you that buffer to take maybe a year off or something. Do you know what you might be comfortable with me looking at for trauma cover wise?\n\nJust one or two years worth of gross or net income? What do you think might be appropriate? One year first? Perfect. And with you're right.\n\nYep. No. Correct. Yeah. Correct.\n\nAbsolutely. With income protection, they have what's called a waiting period. Because you are starting your new job there, you are an administration, have been doing a very similar role over the past couple of years. I'll have a look at what the options are available to you. You can be covered for up to 70% of your current income.\n\nGiven that you are single, that you don't have a lot of savings behind you, you want me to look at the highest of 70% of cover. Is that right? Yep. Beautiful. And with income protection, I have a waiting period.\n\nThe lowest is about four weeks when we're paying for inside super. You're comfortable with me looking at the lowest waiting period so you don't have to wait as long to claim? Yep. And with the benefit period, this is how long you can be on an income protection claim for. They start at two years, can be five years, or up to age 65.\n\nThe longer the benefit period, the more expensive the insurance is gonna be, but the more cover you have as well. Do you think you would only wanna be off for two years or should only be off for two years, or do you want me to look at something like five years to see what the cost might be and the effect on your super? Yep. Yeah. Absolutely.\n\nI can have a look at those options. So what I'll do in yeah. Sorry. It can. Yeah.\n\nSo with income protection, the same as life and TPD, you can have it structured so it's inside super, so you're limiting your premiums coming out of your back pocket. You're comfortable with me doing that. You're happy to have the income protection inside super? Yep. Beautiful.\n\nNot a problem. With the draw you're right. Sorry. Yep. Yep.\n\nYep. That's okay. I'll have a look at all the options. Yeah. I'll I'll do the research and have a look at the options.\n\nWe've got some things to do, and I definitely wanna have another conversation with you. So I've booked in your pre assessment with the admin team next Friday. I'll get them to give you a call at 01:00 Queensland time and go through that with you. I've added a text message reminder, so it sends you a text message about an hour prior to let you know that they are calling so we can go through that. Once I've got that, I can go through and do the research.\n\nAnd then once I've got the research, I'll come back. You and I can talk about the research I've done, what's available, the expected cost, and how you feel about it. And then we can knock down your goal for insurances and work out how to move forward for you, and I can do super insurances as a nice big updated advice document for you. Does that sound okay? Yep.\n\nPerfect. All good. Look, Brenda, I will let you go. I appreciate your time today. I've got everything I need for the moment.\n\nI've booked in the pre assessment. Once we get that, we can move on to the next stage. Is that okay? You're happy moving forward that way? You're beautiful.\n\nYep. Yep. Yep. Yeah. No.\n\nPerfect. All good. Yep. Not a problem at all. Not a worry.\n\nWell, good luck with your job next week. I'll talk to you very soon, and let's get this show on the road. We'll get things moving and update the advice for you and help you along the way. Okay? No.\n\nThat's okay. Enjoy the rest of your enjoy the rest of your week off. My pleasure. Thank you. See you, Brenda.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Brenda.","start":3.12,"end":3.76,"sentiment":"neutral","sentiment_score":0.15629872679710388},{"text":"This is Zena from Okie Financial.","start":3.76,"end":5.38,"sentiment":"neutral","sentiment_score":0.1825180177887281},{"text":"How are you today?","start":5.44,"end":6.42,"sentiment":"neutral","sentiment_score":0.18789895623922348},{"text":"I'm very well.","start":8.24,"end":9.2,"sentiment":"positive","sentiment_score":0.5385670860608419},{"text":"Thank you.","start":9.2,"end":9.599999,"sentiment":"positive","sentiment_score":0.583263099193573}],"sentiment":"neutral","sentiment_score":0.29067816716783185,"num_words":17,"start":3.12,"end":9.599999},{"sentences":[{"text":"I had you booked in to go through a bit of an annual review with you today.","start":9.599999,"end":12.32,"sentiment":"neutral","sentiment_score":0.10011077014838948},{"text":"Isn't now still a good time?","start":12.32,"end":13.635,"sentiment":"neutral","sentiment_score":0.018392649789651234},{"text":"That's okay.","start":16.115,"end":16.855,"sentiment":"neutral","sentiment_score":0.24997827410697937},{"text":"How's your morning been so far?","start":17.075,"end":18.935,"sentiment":"neutral","sentiment_score":0.12427206958333652},{"text":"Yep.","start":26.355,"end":26.79,"sentiment":"neutral","sentiment_score":0.12199854850769044}],"sentiment":"neutral","sentiment_score":0.09936957829631865,"num_words":32,"start":9.599999,"end":26.79},{"sentences":[{"text":"Yeah.","start":29.43,"end":29.93,"sentiment":"neutral","sentiment_score":0.1118948832154274},{"text":"Understandable.","start":30.070002,"end":30.570002,"sentiment":"neutral","sentiment_score":0.19409248232841492},{"text":"All good.","start":31.11,"end":31.85,"sentiment":"neutral","sentiment_score":0.3292723000049591},{"text":"Brenda, just to let you know, moving forward, we do recur our calls for quality and training purposes.","start":31.91,"end":35.91,"sentiment":"neutral","sentiment_score":0.1256530885067251},{"text":"Are you happy for us to proceed with that?","start":35.91,"end":37.85,"sentiment":"neutral","sentiment_score":0.15309661626815796}],"sentiment":"neutral","sentiment_score":0.14852119693833013,"num_words":31,"start":29.43,"end":37.85},{"sentences":[{"text":"Yep.","start":39.190002,"end":39.510002,"sentiment":"neutral","sentiment_score":0.12781183421611786},{"text":"Lovely.","start":39.510002,"end":39.99,"sentiment":"neutral","sentiment_score":0.3108382225036621},{"text":"And, also, just to do security there with you as well, we are discussing your personal information.","start":39.99,"end":43.965,"sentiment":"neutral","sentiment_score":0.12830567009308758},{"text":"So I'll just get you to confirm your full name, date of birth, and address I should have on file.","start":43.965,"end":47.825,"sentiment":"neutral","sentiment_score":0.09548383057117463},{"text":"Perfect.","start":56.524998,"end":56.925,"sentiment":"neutral","sentiment_score":0.3022083640098572}],"sentiment":"neutral","sentiment_score":0.12079328559339046,"num_words":40,"start":39.190002,"end":56.925},{"sentences":[{"text":"Thank you so much for that.","start":56.925,"end":58.625,"sentiment":"positive","sentiment_score":0.40414127210776013},{"text":"So as I said, I have you booked in to go through your annual review.","start":59.22,"end":61.940002,"sentiment":"neutral","sentiment_score":0.11927244812250137},{"text":"Do you happen to have access to your emails at the moment?","start":61.940002,"end":64.6,"sentiment":"neutral","sentiment_score":0.03841605099538962},{"text":"Or yeah.","start":64.82,"end":66.9,"sentiment":"neutral","sentiment_score":0.06568695604801178},{"text":"Perfect.","start":66.9,"end":67.3,"sentiment":"neutral","sentiment_score":0.2034061998128891}],"sentiment":"neutral","sentiment_score":0.13915852995382416,"num_words":36,"start":56.925,"end":67.3},{"sentences":[{"text":"I'm just gonna send through some annual review documents to you.","start":67.3,"end":69.700005,"sentiment":"neutral","sentiment_score":0.15024506910280747},{"text":"If I can get you to pop into your emails there and pull these ones up, we can kinda just go through those as we are going through and updating all of your circumstances.","start":69.700005,"end":76.134995,"sentiment":"neutral","sentiment_score":0.15564454237327857},{"text":"We have had a bit of a look at things.","start":76.91499,"end":78.835,"sentiment":"neutral","sentiment_score":0.08672903180122375},{"text":"It looks like there is some advice that we can definitely provide to sort of help you look at your super, and I can see you've also opened up another super recently as well.","start":78.835,"end":86.19499,"sentiment":"neutral","sentiment_score":0.18102920340264544},{"text":"You've got a new job, have you?","start":86.19499,"end":87.69,"sentiment":"neutral","sentiment_score":0.02863858320883342}],"sentiment":"neutral","sentiment_score":0.14757670330194136,"num_words":96,"start":67.3,"end":87.69},{"sentences":[{"text":"Yeah.","start":92.25,"end":92.75,"sentiment":"neutral","sentiment_score":0.0011555766686797142},{"text":"Mhmm.","start":101.450005,"end":101.950005,"sentiment":"neutral","sentiment_score":-0.04468114301562309},{"text":"Yep.","start":105.674995,"end":106.174995,"sentiment":"neutral","sentiment_score":-0.04084982350468635},{"text":"Yep.","start":111.59499,"end":112.09499,"sentiment":"neutral","sentiment_score":0.03156803548336029},{"text":"Yeah.","start":117.94,"end":118.44,"sentiment":"neutral","sentiment_score":-0.03524553030729294}],"sentiment":"neutral","sentiment_score":-0.017610576935112476,"num_words":5,"start":92.25,"end":118.44},{"sentences":[{"text":"Yep.","start":124.9,"end":125.299995,"sentiment":"neutral","sentiment_score":0.015404820442199709},{"text":"No.","start":125.299995,"end":125.619995,"sentiment":"neutral","sentiment_score":-0.00909721851348877},{"text":"Perfect.","start":125.619995,"end":126.119995,"sentiment":"neutral","sentiment_score":0.24551859498023987},{"text":"So with the new role, who is that working for?","start":126.259995,"end":128.58,"sentiment":"neutral","sentiment_score":0.03500764528289437},{"text":"What who's the new employer?","start":128.58,"end":129.795,"sentiment":"neutral","sentiment_score":-0.006200532056391239}],"sentiment":"neutral","sentiment_score":0.03171666608088546,"num_words":18,"start":124.9,"end":129.795},{"sentences":[{"text":"Yep.","start":132.19499,"end":132.69499,"sentiment":"neutral","sentiment_score":0.04787161201238632},{"text":"Perfect.","start":134.595,"end":135.095,"sentiment":"positive","sentiment_score":0.5150707364082336},{"text":"Yeah.","start":140.435,"end":140.935,"sentiment":"neutral","sentiment_score":0.020452115684747696},{"text":"That's the one thing I didn't wanna look at.","start":141.075,"end":142.595,"sentiment":"neutral","sentiment_score":-0.0780039011604256},{"text":"I can see here you've got the three super funds open that is obviously costing you more in the way of fees.","start":142.595,"end":147.06,"sentiment":"neutral","sentiment_score":-0.10025104541670192}],"sentiment":"neutral","sentiment_score":-0.06835775427958544,"num_words":34,"start":132.19499,"end":147.06},{"sentences":[{"text":"So part of today, I did wanna talk about what, you know, what your goals are, what you wanna do, and maybe update the advice to reflect for you.","start":147.06,"end":153.45999,"sentiment":"neutral","sentiment_score":0.07613058375387356},{"text":"Absolutely.","start":153.45999,"end":153.95999,"sentiment":"neutral","sentiment_score":0.2679981291294098},{"text":"So you still with Venty, which is fantastic.","start":154.9,"end":156.92,"sentiment":"positive","sentiment_score":0.39751729369163513},{"text":"Is your role staying roughly the same?","start":157.14,"end":158.985,"sentiment":"neutral","sentiment_score":0.120738756443773},{"text":"Are you gonna be doing the same sort of work?","start":158.985,"end":160.665,"sentiment":"neutral","sentiment_score":0.02801530472934246}],"sentiment":"neutral","sentiment_score":0.12329541363499381,"num_words":55,"start":147.06,"end":160.665},{"sentences":[{"text":"Or no?","start":160.665,"end":164.765,"sentiment":"neutral","sentiment_score":-0.020206506364047527},{"text":"Yeah.","start":165.065,"end":165.565,"sentiment":"neutral","sentiment_score":0.03397542983293533},{"text":"Yep.","start":170.50499,"end":171.00499,"sentiment":"neutral","sentiment_score":0.0858139917254448},{"text":"Yeah.","start":179.43,"end":179.91,"sentiment":"neutral","sentiment_score":0.1931430697441101},{"text":"Perfect.","start":179.91,"end":180.41,"sentiment":"positive","sentiment_score":0.35873714089393616}],"sentiment":"neutral","sentiment_score":0.10520943657805522,"num_words":6,"start":160.665,"end":180.41},{"sentences":[{"text":"So keeping them in work.","start":180.79,"end":181.99,"sentiment":"positive","sentiment_score":0.34670368432998655},{"text":"That's fantastic.","start":181.99,"end":182.81,"sentiment":"positive","sentiment_score":0.7158505618572235},{"text":"Excellent.","start":183.11,"end":183.61,"sentiment":"positive","sentiment_score":0.532056450843811},{"text":"And income wise, what are you sort of expecting to earn with this new role?","start":184.435,"end":188.115,"sentiment":"neutral","sentiment_score":0.10964102546374004},{"text":"You mentioned it was a bit more money.","start":188.115,"end":189.815,"sentiment":"neutral","sentiment_score":-0.010041118366643786}],"sentiment":"neutral","sentiment_score":0.16972782036229486,"num_words":31,"start":180.79,"end":189.815},{"sentences":[{"text":"Perfect.","start":192.755,"end":193.255,"sentiment":"neutral","sentiment_score":0.15894287824630737},{"text":"Yep.","start":195.315,"end":195.815,"sentiment":"neutral","sentiment_score":0.03498528152704239},{"text":"Yep.","start":208.29001,"end":208.61,"sentiment":"neutral","sentiment_score":-0.04309166595339775},{"text":"Yep.","start":208.61,"end":209.025,"sentiment":"neutral","sentiment_score":-0.01726873219013214},{"text":"So that that's including the 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the 110 is including your superannuation there.","start":267.695,"end":270.33502,"sentiment":"neutral","sentiment_score":0.296006228774786},{"text":"Perfect.","start":270.33502,"end":270.83502,"sentiment":"positive","sentiment_score":0.41951850056648254},{"text":"And have you asked your new employer to continue salary sacrificing at all, or is it something you've stopped for the time 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go.","start":490.065,"end":496.225,"sentiment":"positive","sentiment_score":0.42224376916885376}],"sentiment":"neutral","sentiment_score":0.29286945980411394,"num_words":111,"start":468.035,"end":496.225},{"sentences":[{"text":"Okay?","start":496.225,"end":496.725,"sentiment":"neutral","sentiment_score":0.1254866123199463},{"text":"Yeah.","start":499.10498,"end":499.5,"sentiment":"neutral","sentiment_score":0.15246295928955078},{"text":"Yeah.","start":505.98,"end":506.48,"sentiment":"neutral","sentiment_score":0.023011600598692897},{"text":"At the end of it, yeah.","start":506.62,"end":507.58,"sentiment":"neutral","sentiment_score":0.04974943430473407},{"text":"So that's your ongoing service agreement and all the bits and pieces.","start":507.58,"end":511.1,"sentiment":"neutral","sentiment_score":0.09042370629807313}],"sentiment":"neutral","sentiment_score":0.08021629779111772,"num_words":21,"start":496.225,"end":511.1},{"sentences":[{"text":"I'm gonna go through a lot of those documents and give you an update of of what's happening with your super and talk a bit more about your goals there.","start":511.1,"end":519.20496,"sentiment":"neutral","sentiment_score":0.1078604906797409},{"text":"But at the end of it, I'll get you to sign.","start":519.505,"end":521.105,"sentiment":"neutral","sentiment_score":0.05314115959812294},{"text":"I don't want you to sign anything you haven't read, but we'll go through that in ongoing sales agreement shortly with you.","start":521.105,"end":525.985,"sentiment":"neutral","sentiment_score":-0.00042772056026892227},{"text":"Okay?","start":525.985,"end":526.485,"sentiment":"neutral","sentiment_score":0.03428282588720322},{"text":"That's okay.","start":529.0,"end":529.8,"sentiment":"neutral","sentiment_score":0.1718432903289795}],"sentiment":"neutral","sentiment_score":0.06346859136652766,"num_words":66,"start":511.1,"end":529.8},{"sentences":[{"text":"All good.","start":529.8,"end":530.44,"sentiment":"neutral","sentiment_score":0.3269601911306381},{"text":"While you are looking at it, let's touch on that now.","start":530.44,"end":532.68,"sentiment":"neutral","sentiment_score":0.14890578118237582},{"text":"It's a really good thing to sort of go through.","start":532.68,"end":534.54,"sentiment":"positive","sentiment_score":0.41609907746315},{"text":"The first document you'll see in this sorry.","start":534.92,"end":536.92,"sentiment":"neutral","sentiment_score":-0.0013504557427950203},{"text":"Mine I sent the documents to you, but mine's a little bit slow to kinda bring them back up.","start":536.92,"end":541.305,"sentiment":"neutral","sentiment_score":-0.12854027434399254}],"sentiment":"neutral","sentiment_score":0.07999611782841384,"num_words":50,"start":529.8,"end":541.305},{"sentences":[{"text":"But, essentially, it is showing you the ongoing service agreement that has been sent there.","start":541.625,"end":546.265,"sentiment":"neutral","sentiment_score":0.048198388020197554},{"text":"Essentially, you do as an ongoing service client, you do pay us an ongoing service fee of 1.65% per annum.","start":546.265,"end":553.165,"sentiment":"neutral","sentiment_score":0.09675040356814861},{"text":"That is deducted in smaller monthly increments out of your super account.","start":553.46497,"end":557.22003,"sentiment":"neutral","sentiment_score":0.10344181023538113},{"text":"And, essentially, the idea of a percentage based fee is that it fluctuates with the market.","start":557.60004,"end":562.08,"sentiment":"neutral","sentiment_score":0.08236589701846242},{"text":"When the market is doing much better, it means that our fee is gonna be slightly higher, but you're benefiting from the greater returns.","start":562.08,"end":567.86,"sentiment":"neutral","sentiment_score":0.21592157892882824}],"sentiment":"neutral","sentiment_score":0.11953169955261822,"num_words":87,"start":541.625,"end":567.86},{"sentences":[{"text":"However, when the market takes a bit of a dip due to external market factors, the fee you pay us will also take a dip and be lower.","start":568.16003,"end":574.525,"sentiment":"neutral","sentiment_score":-0.1289270328623908},{"text":"Okay?","start":574.585,"end":575.085,"sentiment":"neutral","sentiment_score":0.02071517333388329},{"text":"Essentially, to be because having a look at your super account, we with Christmas, everyone was a bit crazy.","start":576.505,"end":582.825,"sentiment":"neutral","sentiment_score":0.001348384312893215},{"text":"You're obviously in a bit of a transition there as well.","start":582.825,"end":585.12,"sentiment":"neutral","sentiment_score":-0.07443441958589987},{"text":"So your ongoing service fee did actually switch off on your super account as of December.","start":585.36,"end":591.04,"sentiment":"neutral","sentiment_score":0.03651750320568681}],"sentiment":"neutral","sentiment_score":-0.05064161345362663,"num_words":75,"start":568.16003,"end":591.04},{"sentences":[{"text":"So this is the switching it all back on again so we can keep providing advice and keep servicing you as a client and keep looking after you.","start":591.04,"end":597.52,"sentiment":"neutral","sentiment_score":0.25874919830156223},{"text":"Okay?","start":597.52,"end":598.02,"sentiment":"neutral","sentiment_score":0.08761711418628693},{"text":"Perfect.","start":599.415,"end":599.915,"sentiment":"positive","sentiment_score":0.36171936988830566},{"text":"So we do need that one to be signed and sent back.","start":600.135,"end":602.535,"sentiment":"neutral","sentiment_score":0.14698534893492857},{"text":"The underneath that, you've got your tax file opt in form.","start":602.535,"end":605.675,"sentiment":"neutral","sentiment_score":0.11044615236195651}],"sentiment":"neutral","sentiment_score":0.201378224523,"num_words":53,"start":591.04,"end":605.675},{"sentences":[{"text":"That is just letting you know that we do hold your tax file number on file.","start":606.055,"end":609.89496,"sentiment":"neutral","sentiment_score":0.13979468401521444},{"text":"We do have to because we help set up your super account and look after insurances and things like that for you.","start":609.89496,"end":615.38,"sentiment":"neutral","sentiment_score":0.19682866876775568},{"text":"We just have to make sure you're aware of the information.","start":615.84,"end":618.16003,"sentiment":"neutral","sentiment_score":0.009290489749136295},{"text":"We do hold on you.","start":618.16003,"end":619.04004,"sentiment":"neutral","sentiment_score":-0.024039310216903687},{"text":"It is sensitive information, and we wanted to make sure we update our records so you're aware of that.","start":619.04004,"end":624.5,"sentiment":"neutral","sentiment_score":-0.046642690896987915}],"sentiment":"neutral","sentiment_score":0.07757168994859269,"num_words":73,"start":606.055,"end":624.5},{"sentences":[{"text":"Okay?","start":624.56,"end":625.06,"sentiment":"neutral","sentiment_score":0.04630179703235626},{"text":"Yep.","start":626.255,"end":626.655,"sentiment":"neutral","sentiment_score":0.13237980008125305},{"text":"Perfect.","start":626.655,"end":627.155,"sentiment":"neutral","sentiment_score":0.28675416111946106},{"text":"Those are the only two documents to sign.","start":627.375,"end":629.715,"sentiment":"neutral","sentiment_score":0.127230660058558},{"text":"Jacob also organized for the external third party authority to be signed for your plum super, so we have got the information on that for you.","start":630.015,"end":638.99506,"sentiment":"neutral","sentiment_score":0.1457430783372659}],"sentiment":"neutral","sentiment_score":0.14250273176947156,"num_words":37,"start":624.56,"end":638.99506},{"sentences":[{"text":"But attached to that DocuSign, we do also have some other documents there.","start":639.38,"end":643.3,"sentiment":"neutral","sentiment_score":0.031886492211085096},{"text":"I'm not sure if you can see the attachments.","start":643.3,"end":645.24,"sentiment":"neutral","sentiment_score":-0.08580818275610606},{"text":"Can you see where the attachments are at all?","start":645.3,"end":647.56,"sentiment":"neutral","sentiment_score":-0.0344093551652299},{"text":"No.","start":653.06,"end":653.38,"sentiment":"neutral","sentiment_score":-0.09844834357500076},{"text":"It should be attached to this docu this document, the Odoo sign here.","start":653.38,"end":657.84503,"sentiment":"neutral","sentiment_score":-0.05311752805629602}],"sentiment":"neutral","sentiment_score":-0.032364658907883696,"num_words":45,"start":639.38,"end":657.84503},{"sentences":[{"text":"No.","start":667.505,"end":667.74506,"sentiment":"neutral","sentiment_score":-0.17623043060302734},{"text":"That's okay.","start":667.74506,"end":668.565,"sentiment":"neutral","sentiment_score":-0.04718029871582985},{"text":"It might be so when you go out of the email then go back in, there should be some attachments there as well, but we have attached the financial services guide there for you.","start":668.81,"end":677.55,"sentiment":"neutral","sentiment_score":0.061580603120519835},{"text":"And that essentially outlines all of our services.","start":677.69,"end":680.75,"sentiment":"neutral","sentiment_score":0.24086913466453552},{"text":"It has a lovely photo of me in there for you, Brenda, so you can have a look at what I look like as well.","start":680.81,"end":685.675,"sentiment":"positive","sentiment_score":0.5270792055130005}],"sentiment":"neutral","sentiment_score":0.24181546704577547,"num_words":70,"start":667.505,"end":685.675},{"sentences":[{"text":"It's got my registration information as I'm a registered adviser.","start":685.735,"end":689.51495,"sentiment":"neutral","sentiment_score":0.15992478355765344},{"text":"I'm registered through ASIC and under OQ Financial Australian Financial Services license.","start":689.57495,"end":694.315,"sentiment":"neutral","sentiment_score":0.1535011219481627},{"text":"We've also got on there your summary.","start":694.935,"end":696.87,"sentiment":"neutral","sentiment_score":0.18620174484593527},{"text":"Now this is a really good thing to kinda go through.","start":696.87,"end":699.29004,"sentiment":"positive","sentiment_score":0.7166270830414512},{"text":"So I can also email this to you separately after the course you'd like, but the summary sort of shows you your current balances within all the super funds and the insurances that you hold at the moment.","start":699.67004,"end":710.89,"sentiment":"neutral","sentiment_score":0.26251338775220673}],"sentiment":"neutral","sentiment_score":0.2897830789861007,"num_words":78,"start":685.735,"end":710.89},{"sentences":[{"text":"So in Hub twenty four, your super balance is up to 94,000 set $94,013.66.","start":710.95,"end":719.30505,"sentiment":"neutral","sentiment_score":0.12063817892755781},{"text":"In Australian super, you've currently got a a balance of 22,069 and 54¢.","start":719.685,"end":725.30505,"sentiment":"neutral","sentiment_score":0.09059847084184487},{"text":"And in Plum Super, a balance of $6,622.68.","start":725.54004,"end":730.68,"sentiment":"neutral","sentiment_score":0.08604833204299212},{"text":"So we do wanna maybe look at trying to consolidate some of those things.","start":730.98004,"end":734.74005,"sentiment":"neutral","sentiment_score":0.0981652835117919},{"text":"Having three super funds open does mean you are paying more in overall fees, and it can affect your retirement moving forward as well.","start":734.74005,"end":742.57495,"sentiment":"neutral","sentiment_score":-0.15331090924640497}],"sentiment":"neutral","sentiment_score":0.01610215220393406,"num_words":73,"start":710.95,"end":742.57495},{"sentences":[{"text":"Does your employer your new employer with Ventia, have they they haven't stipulated that they have to transfer contributions anywhere?","start":743.435,"end":752.415,"sentiment":"neutral","sentiment_score":-0.0634640204720199},{"text":"You're fine having those in hub twenty four as you have always?","start":752.475,"end":755.97,"sentiment":"neutral","sentiment_score":0.08930113492533565},{"text":"Okay.","start":763.79,"end":764.29,"sentiment":"neutral","sentiment_score":-0.08759748935699463},{"text":"Yep.","start":765.23,"end":765.73,"sentiment":"neutral","sentiment_score":-0.009977264329791067},{"text":"I yep.","start":765.79,"end":771.59503,"sentiment":"neutral","sentiment_score":-0.11004817113280296}],"sentiment":"neutral","sentiment_score":-0.014314941285798946,"num_words":36,"start":743.435,"end":771.59503},{"sentences":[{"text":"Perfect.","start":774.935,"end":775.435,"sentiment":"positive","sentiment_score":0.4030491709709167},{"text":"That's okay.","start":775.49506,"end":776.135,"sentiment":"positive","sentiment_score":0.35973644256591797},{"text":"We can get the contributions form sent to you with the Plum Super.","start":776.135,"end":781.62,"sentiment":"neutral","sentiment_score":0.3279232612022987},{"text":"So I'm just having a look at the statements here as well because I know you do have your insurance line, life insurance, and the funeral cover there, which is really important for you to keep.","start":781.62,"end":791.63995,"sentiment":"neutral","sentiment_score":0.208675233543747},{"text":"At the moment, the life insurance and the funeral cover is showing us a total sum insured of 200,512, and I know the funeral cover is also really important because you're covering your kids as well.","start":792.225,"end":803.045,"sentiment":"neutral","sentiment_score":0.02898411825299263}],"sentiment":"neutral","sentiment_score":0.15842342177744617,"num_words":88,"start":774.935,"end":803.045},{"sentences":[{"text":"Are you still comfortable paying for that level of cover out of your back pocket?","start":803.425,"end":806.865,"sentiment":"neutral","sentiment_score":0.04031146988272667},{"text":"You're happy with how that's structured?","start":806.865,"end":819.51,"sentiment":"positive","sentiment_score":0.35109222680330276},{"text":"Yeah.","start":820.05,"end":820.55,"sentiment":"neutral","sentiment_score":-0.1572919487953186},{"text":"No.","start":822.335,"end":822.495,"sentiment":"neutral","sentiment_score":-0.16185583174228668},{"text":"That's okay.","start":822.495,"end":823.05505,"sentiment":"neutral","sentiment_score":0.018520765006542206}],"sentiment":"neutral","sentiment_score":0.09716476634144783,"num_words":25,"start":803.425,"end":823.05505},{"sentences":[{"text":"And, look, you can keep the insurance line policy if you're comfortable with doing that.","start":823.05505,"end":826.495,"sentiment":"neutral","sentiment_score":0.225009020169576},{"text":"There's nothing wrong with that whatsoever.","start":826.495,"end":828.195,"sentiment":"neutral","sentiment_score":0.15932931999365488},{"text":"It's more just you are paying for that out of pocket.","start":828.815,"end":830.895,"sentiment":"neutral","sentiment_score":0.051551530984315},{"text":"And, I mean, from what I can see here, you're paying about $29.61 per month.","start":830.895,"end":835.215,"sentiment":"neutral","sentiment_score":-0.024927302574117977},{"text":"Is that sort of how much you're paying for that one at the moment?","start":835.215,"end":837.98,"sentiment":"neutral","sentiment_score":-0.04810186156204769}],"sentiment":"neutral","sentiment_score":0.06312856496479667,"num_words":61,"start":823.05505,"end":837.98},{"sentences":[{"text":"Has that altered since we last got the research?","start":837.98,"end":840.24,"sentiment":"neutral","sentiment_score":-0.08274249111612637},{"text":"4714.","start":846.62,"end":848.48,"sentiment":"neutral","sentiment_score":0.006308616604655981},{"text":"Yep.","start":850.995,"end":851.495,"sentiment":"neutral","sentiment_score":0.06582801043987274},{"text":"So that would be the life, and that will be the funeral.","start":851.795,"end":854.375,"sentiment":"neutral","sentiment_score":0.08076854236423969},{"text":"And because the funeral policies how much have you covered yourself and the kids for with the funeral policies recently?","start":854.675,"end":859.875,"sentiment":"neutral","sentiment_score":-0.0064679600298404695}],"sentiment":"neutral","sentiment_score":0.003891104994731587,"num_words":43,"start":837.98,"end":859.875},{"sentences":[{"text":"We're just waiting on the rundown from insurance line.","start":859.875,"end":861.95496,"sentiment":"neutral","sentiment_score":-0.10123085065020455},{"text":"So sorry.","start":861.95496,"end":862.69495,"sentiment":"neutral","sentiment_score":-0.13908926025032997},{"text":"Yep.","start":867.63995,"end":868.12,"sentiment":"neutral","sentiment_score":-0.011061588302254677},{"text":"That's okay.","start":868.12,"end":868.94,"sentiment":"neutral","sentiment_score":0.0296408012509346},{"text":"H.","start":869.31995,"end":869.81995,"sentiment":"neutral","sentiment_score":-0.0098953228443861}],"sentiment":"neutral","sentiment_score":-0.07672876566648483,"num_words":15,"start":859.875,"end":869.81995},{"sentences":[{"text":"Well, those funeral policies, do they increase along with CPI?","start":888.81,"end":892.81,"sentiment":"neutral","sentiment_score":-0.049716592207551},{"text":"Do they increase every year as it goes through renewal?","start":892.81,"end":895.31,"sentiment":"neutral","sentiment_score":-0.08093483373522758},{"text":"That's okay.","start":898.73004,"end":899.45,"sentiment":"neutral","sentiment_score":-0.044920638203620925},{"text":"I can go and have a look at that for you.","start":899.45,"end":901.015,"sentiment":"neutral","sentiment_score":0.103634581647136},{"text":"I'll tell you what.","start":901.015,"end":901.575,"sentiment":"neutral","sentiment_score":0.027277852408587933}],"sentiment":"neutral","sentiment_score":-0.003980100758977838,"num_words":37,"start":888.81,"end":901.575},{"sentences":[{"text":"I'll do a bit of research on those policies because I haven't done a lot of research on those policies recently for you.","start":901.575,"end":906.615,"sentiment":"neutral","sentiment_score":0.08172708312454431},{"text":"So I'll go back and have a bit more of a dig around the policies, what they offer, what happens with them, how they increase.","start":906.615,"end":912.135,"sentiment":"neutral","sentiment_score":0.1694581663608551},{"text":"That way we can kind of look at that for you.","start":912.135,"end":914.46,"sentiment":"positive","sentiment_score":0.34009442681616003},{"text":"Happy to have you continue to pay for them.","start":915.02,"end":919.42004,"sentiment":"positive","sentiment_score":0.7570330699284872},{"text":"It's not a problem at all.","start":919.42004,"end":920.7,"sentiment":"positive","sentiment_score":0.5591259598731995}],"sentiment":"neutral","sentiment_score":0.27061174533053023,"num_words":74,"start":901.575,"end":920.7},{"sentences":[{"text":"I just wanna make sure I understand the policies in detail to kinda give you that information so you understand what it is that you've got.","start":920.7,"end":926.94,"sentiment":"positive","sentiment_score":0.4189186967336215},{"text":"Okay?","start":926.94,"end":927.44,"sentiment":"neutral","sentiment_score":0.08659157156944275},{"text":"Mhmm.","start":929.715,"end":930.215,"sentiment":"neutral","sentiment_score":-0.020935919135808945},{"text":"Mhmm.","start":935.72253,"end":936.22253,"sentiment":"neutral","sentiment_score":-0.009603168815374374},{"text":"Mhmm.","start":954.76996,"end":955.065,"sentiment":"neutral","sentiment_score":0.0041753146797418594}],"sentiment":"positive","sentiment_score":0.365070463779072,"num_words":30,"start":920.7,"end":955.065},{"sentences":[{"text":"Okay.","start":962.985,"end":963.485,"sentiment":"neutral","sentiment_score":0.13207045197486875},{"text":"Ironically, you guys have just got the rundown emailed through, so I'm just pulling it up now to give you a hand with it.","start":964.185,"end":969.96,"sentiment":"neutral","sentiment_score":0.1916410199676951},{"text":"It's worked out really well, actually.","start":970.04004,"end":971.82,"sentiment":"positive","sentiment_score":0.6148834029833475},{"text":"So fortnightly.","start":972.76,"end":974.7,"sentiment":"neutral","sentiment_score":0.1439366228878498},{"text":"Okay.","start":977.08,"end":977.58,"sentiment":"neutral","sentiment_score":0.022730063647031784}],"sentiment":"neutral","sentiment_score":0.25680466642712846,"num_words":34,"start":962.985,"end":977.58},{"sentences":[{"text":"Yep.","start":990.315,"end":990.71497,"sentiment":"neutral","sentiment_score":0.014138649217784405},{"text":"So your life cover, there is 200,512 of life in the event that you pass away.","start":990.71497,"end":996.96,"sentiment":"neutral","sentiment_score":-0.011744962306693196},{"text":"And then I what have we got?","start":997.1,"end":1003.2,"sentiment":"neutral","sentiment_score":-0.027162163385323117},{"text":"What's the increase?","start":1003.9,"end":1004.88,"sentiment":"neutral","sentiment_score":-0.061421467612187065},{"text":"The total insurance line haven't give us anything on this funeral cover.","start":1005.58,"end":1010.525,"sentiment":"neutral","sentiment_score":-0.16284257546067238}],"sentiment":"neutral","sentiment_score":-0.06416131281413329,"num_words":39,"start":990.315,"end":1010.525},{"sentences":[{"text":"They've only given us a life cover policy, but that's okay.","start":1010.525,"end":1013.005,"sentiment":"neutral","sentiment_score":-0.07938179339874875},{"text":"I'll go back and find out more about that.","start":1013.005,"end":1014.60504,"sentiment":"neutral","sentiment_score":0.028721449689732656},{"text":"But I'm just having a look at the standard cost of funerals because it is different depending on the kind of funeral that you do want or what they want to happen.","start":1014.60504,"end":1024.065,"sentiment":"neutral","sentiment_score":-0.0724686257308349},{"text":"Essentially, in Australia, the average funeral cost can range between 4,000 to about 15,000.","start":1024.8201,"end":1030.5,"sentiment":"neutral","sentiment_score":-0.04264811958585467},{"text":"It can be more if you have more elaborate sort of burials and things like that.","start":1030.5,"end":1034.02,"sentiment":"neutral","sentiment_score":-0.07842798251658678}],"sentiment":"neutral","sentiment_score":-0.05836126948820382,"num_words":82,"start":1010.525,"end":1034.02},{"sentences":[{"text":"But it really just depends upon what you do as well, whether you have to invite lots of people, whether you have lots of flowers, whether you have a really elaborate coffin, or whether you just kind of go through the cremation process, in which case it kinda can be a little bit cheaper as well.","start":1034.02,"end":1048.7749,"sentiment":"neutral","sentiment_score":0.11537307633885316},{"text":"But estimated average cost of, say, cremation with no service, no attendance is about 2 to 4,000.","start":1048.7749,"end":1057.96,"sentiment":"neutral","sentiment_score":-0.15339063020313487},{"text":"With service, it's about 4 to 6,000.","start":1058.82,"end":1061.4,"sentiment":"neutral","sentiment_score":-0.0030861313321760724},{"text":"Burials are the ones that cost a bit more because you have to buy the plot and hold that for longer.","start":1061.54,"end":1066.44,"sentiment":"neutral","sentiment_score":-0.015550481510304269},{"text":"So, realistically, the amount you have for them could be fairly sufficient.","start":1066.58,"end":1070.735,"sentiment":"neutral","sentiment_score":0.28724853321909904}],"sentiment":"neutral","sentiment_score":0.061522751585044694,"num_words":113,"start":1034.02,"end":1070.735},{"sentences":[{"text":"And if insurance line do increase the policy along with time, then you may be able to it may just automatically increase, which might help you along as well.","start":1070.955,"end":1080.075,"sentiment":"neutral","sentiment_score":0.3109002812155362},{"text":"Does that make sense?","start":1080.075,"end":1080.87,"sentiment":"neutral","sentiment_score":0.17367354780435562},{"text":"Yeah.","start":1089.91,"end":1090.23,"sentiment":"neutral","sentiment_score":0.011916514486074448},{"text":"Yep.","start":1090.23,"end":1090.73,"sentiment":"neutral","sentiment_score":0.022219590842723846},{"text":"Yeah.","start":1091.75,"end":1092.15,"sentiment":"neutral","sentiment_score":0.029675904661417007}],"sentiment":"neutral","sentiment_score":0.27151706545717186,"num_words":36,"start":1070.955,"end":1092.15},{"sentences":[{"text":"We have we have authorities on there.","start":1092.15,"end":1094.365,"sentiment":"neutral","sentiment_score":0.03901315959436553},{"text":"So I'll get the team to go back to insurance line and get through the schedules for the in for the funeral policies as well.","start":1094.365,"end":1100.205,"sentiment":"neutral","sentiment_score":0.08818764045834541},{"text":"We'll get that information updated.","start":1100.205,"end":1101.745,"sentiment":"neutral","sentiment_score":0.11772672832012177},{"text":"If they need a new authority or anything assigned, I'll get them to come back.","start":1102.125,"end":1105.885,"sentiment":"neutral","sentiment_score":0.045686137427886325},{"text":"I know they got you to sign one the other week for the plum sleeper.","start":1105.885,"end":1108.705,"sentiment":"neutral","sentiment_score":0.1681480199098587}],"sentiment":"neutral","sentiment_score":0.09364073328785043,"num_words":67,"start":1092.15,"end":1108.705},{"sentences":[{"text":"So if there's anything we'll need, I'll get them to come back.","start":1109.1,"end":1111.42,"sentiment":"neutral","sentiment_score":0.09491942605624597},{"text":"But I'll go back and do a bit of research and have a really good look at everything for you.","start":1111.42,"end":1115.34,"sentiment":"neutral","sentiment_score":0.2636522613465786},{"text":"Okay?","start":1115.34,"end":1115.84,"sentiment":"neutral","sentiment_score":0.10496661067008972},{"text":"Yeah.","start":1123.34,"end":1123.84,"sentiment":"neutral","sentiment_score":0.03630196303129196},{"text":"Yep.","start":1146.1499,"end":1146.6499,"sentiment":"neutral","sentiment_score":0.06528167426586151}],"sentiment":"neutral","sentiment_score":0.18910367393067906,"num_words":35,"start":1109.1,"end":1146.6499},{"sentences":[{"text":"Yep.","start":1148.63,"end":1148.985,"sentiment":"neutral","sentiment_score":-0.023845404386520382},{"text":"Yes.","start":1160.4249,"end":1160.9249,"sentiment":"neutral","sentiment_score":0.13054504990577698},{"text":"Yes.","start":1161.065,"end":1161.54,"sentiment":"neutral","sentiment_score":0.23649686574935913},{"text":"Yep.","start":1168.9,"end":1169.06,"sentiment":"neutral","sentiment_score":0.22998741269111633},{"text":"Yep.","start":1169.06,"end":1169.56,"sentiment":"neutral","sentiment_score":0.2585429549217224}],"sentiment":"neutral","sentiment_score":0.16634537577629088,"num_words":5,"start":1148.63,"end":1169.56},{"sentences":[{"text":"That's okay.","start":1169.7001,"end":1170.26,"sentiment":"positive","sentiment_score":0.41399477422237396},{"text":"Well, we can certainly help guide you along the way.","start":1170.26,"end":1172.68,"sentiment":"positive","sentiment_score":0.6771868705749512},{"text":"With the the insurances, did you want us to maybe obtain a quote from insurance line for you to see what it would cost if you did increase that just so you can see the difference?","start":1174.42,"end":1185.115,"sentiment":"neutral","sentiment_score":0.22342179136143792},{"text":"Yep.","start":1186.615,"end":1187.015,"sentiment":"neutral","sentiment_score":0.0969083458185196},{"text":"How much did you think you wanted to increase the funeral policies to?","start":1187.015,"end":1190.49,"sentiment":"neutral","sentiment_score":0.02110824275475282}],"sentiment":"neutral","sentiment_score":0.2582961007231666,"num_words":62,"start":1169.7001,"end":1190.49},{"sentences":[{"text":"Yeah.","start":1212.475,"end":1212.795,"sentiment":"neutral","sentiment_score":0.07486654818058014},{"text":"Right.","start":1212.795,"end":1213.295,"sentiment":"neutral","sentiment_score":0.11741849035024644},{"text":"Yeah.","start":1219.275,"end":1219.775,"sentiment":"neutral","sentiment_score":-0.11707530915737152},{"text":"No.","start":1220.0,"end":1220.16,"sentiment":"neutral","sentiment_score":-0.1823919713497162},{"text":"That's okay.","start":1220.16,"end":1220.9,"sentiment":"neutral","sentiment_score":-0.1700962483882904}],"sentiment":"neutral","sentiment_score":-0.07456245645880699,"num_words":6,"start":1212.475,"end":1220.9},{"sentences":[{"text":"Mhmm.","start":1228.64,"end":1229.14,"sentiment":"neutral","sentiment_score":-0.06833214312791824},{"text":"That's okay.","start":1232.0,"end":1232.56,"sentiment":"neutral","sentiment_score":-0.062161680310964584},{"text":"Well, I can have a look I can have a look and send you through a copy of the quote to show you what the difference is, and you can let me know what you wanna do with that.","start":1232.56,"end":1239.3151,"sentiment":"neutral","sentiment_score":0.14593690347213012},{"text":"It's not a problem at all.","start":1239.3151,"end":1240.515,"sentiment":"positive","sentiment_score":0.45823612809181213},{"text":"Okay?","start":1240.515,"end":1241.015,"sentiment":"neutral","sentiment_score":0.26346510648727417}],"sentiment":"neutral","sentiment_score":0.17370950217757905,"num_words":49,"start":1228.64,"end":1241.015},{"sentences":[{"text":"Oh, good.","start":1242.915,"end":1243.655,"sentiment":"neutral","sentiment_score":0.1953307189978659},{"text":"Now with the plum Super, I'm just having a quick look at the insurance side of things with the super because with the Australian Super and the Plum Super, you've had the Australian Super for a while now, and it looks like you do have some insurances in both those super funds as well.","start":1244.1951,"end":1257.98,"sentiment":"neutral","sentiment_score":0.06866891930500667},{"text":"So we just wanna sort of wanna work out what insurance wise is important because you do have that cover with your life cover with insurance line that you're paying out of pocket, and that covers you for 200,000 sorry.","start":1257.98,"end":1270.115,"sentiment":"neutral","sentiment_score":0.05920960367657244},{"text":"Let me go back there.","start":1270.115,"end":1271.22,"sentiment":"neutral","sentiment_score":0.008467909134924411},{"text":"200,512.","start":1271.78,"end":1274.28,"sentiment":"neutral","sentiment_score":0.006556735374033451}],"sentiment":"neutral","sentiment_score":0.06388297557429064,"num_words":102,"start":1242.915,"end":1274.28},{"sentences":[{"text":"If you were to having a look at your circumstances now, if you were to pass away, what did you want your funeral like, what did you want your life cover to pay off?","start":1276.34,"end":1289.1749,"sentiment":"neutral","sentiment_score":-0.05322511598248692},{"text":"Would it be all your debts, or what did you want your life cover to to actually cover?","start":1289.1749,"end":1293.995,"sentiment":"neutral","sentiment_score":-0.03585663396451208},{"text":"Yep.","start":1300.2,"end":1300.52,"sentiment":"neutral","sentiment_score":0.22922804951667783},{"text":"Beautiful.","start":1300.52,"end":1301.02,"sentiment":"positive","sentiment_score":0.5989991426467896},{"text":"You had a few buy now, pay laters and things like that.","start":1301.88,"end":1305.34,"sentiment":"neutral","sentiment_score":0.27782303591569263}],"sentiment":"neutral","sentiment_score":0.02586409497554555,"num_words":66,"start":1276.34,"end":1305.34},{"sentences":[{"text":"Do you you still have all of those?","start":1305.96,"end":1307.74,"sentiment":"neutral","sentiment_score":0.10148897673934698},{"text":"Yeah.","start":1309.08,"end":1309.3999,"sentiment":"neutral","sentiment_score":0.18172183632850647},{"text":"Perfect.","start":1309.3999,"end":1309.88,"sentiment":"positive","sentiment_score":0.3990027904510498},{"text":"Have the debts decreased a little bit since since we last caught up, or are they still roughly the same?","start":1309.88,"end":1315.355,"sentiment":"neutral","sentiment_score":0.02581813242286444},{"text":"Yeah.","start":1325.495,"end":1325.995,"sentiment":"neutral","sentiment_score":-0.22559288144111633}],"sentiment":"neutral","sentiment_score":0.054303426055177566,"num_words":31,"start":1305.96,"end":1325.995},{"sentences":[{"text":"Yep.","start":1338.54,"end":1339.04,"sentiment":"neutral","sentiment_score":-0.04591662436723709},{"text":"Okay.","start":1339.1799,"end":1339.6799,"sentiment":"neutral","sentiment_score":-0.10710351169109344},{"text":"That ain't that much.","start":1340.0599,"end":1341.075,"sentiment":"negative","sentiment_score":-0.5352149829268456},{"text":"And are you planning to keep it open?","start":1341.5549,"end":1343.235,"sentiment":"neutral","sentiment_score":-0.1837475262582302},{"text":"Are you gonna cancel it and sort of put the money onto the next step and try to reduce the amount of buy now, pay ladders you have?","start":1343.235,"end":1349.975,"sentiment":"neutral","sentiment_score":-0.21065101360103913}],"sentiment":"neutral","sentiment_score":-0.2300497299681107,"num_words":42,"start":1338.54,"end":1349.975},{"sentences":[{"text":"Yep.","start":1352.595,"end":1353.095,"sentiment":"neutral","sentiment_score":-0.014556928537786009},{"text":"Yep.","start":1353.235,"end":1353.735,"sentiment":"neutral","sentiment_score":-0.0216519758105278},{"text":"Yeah.","start":1356.79,"end":1357.03,"sentiment":"neutral","sentiment_score":-0.015281343832612038},{"text":"It's okay.","start":1357.03,"end":1357.77,"sentiment":"neutral","sentiment_score":0.007842516526579857},{"text":"Yeah.","start":1358.31,"end":1358.71,"sentiment":"neutral","sentiment_score":0.039030615240335464}],"sentiment":"neutral","sentiment_score":0.0005375666854282221,"num_words":6,"start":1352.595,"end":1358.71},{"sentences":[{"text":"So the idea of the the budgets is you're starting off by paying one thing at a time.","start":1358.71,"end":1363.03,"sentiment":"neutral","sentiment_score":0.06273226853873995},{"text":"So using your free cash flow that you have, paying down the smallest debt first, and then closing it off.","start":1363.03,"end":1369.395,"sentiment":"neutral","sentiment_score":0.2647410362958908},{"text":"Closing it off is going to be the biggest benefit because if you have it open, you're more likely to still use it.","start":1369.395,"end":1374.595,"sentiment":"positive","sentiment_score":0.5709585780682771},{"text":"So Afterpay was the shortest debt.","start":1374.595,"end":1377.395,"sentiment":"neutral","sentiment_score":0.1406868981818358},{"text":"It was the one that we were closer to paying off.","start":1377.395,"end":1379.875,"sentiment":"neutral","sentiment_score":0.15160797333175485}],"sentiment":"neutral","sentiment_score":0.28292125578110033,"num_words":78,"start":1358.71,"end":1379.875},{"sentences":[{"text":"And, again, it looks like it it might be the smallest debt.","start":1379.875,"end":1382.355,"sentiment":"neutral","sentiment_score":0.15566734472910562},{"text":"So using whatever free cash flow, you have to pay that down as fast as possible.","start":1382.355,"end":1386.71,"sentiment":"neutral","sentiment_score":0.2770817503333092},{"text":"Once it gets to zero, you close it off and you remove it.","start":1386.9299,"end":1389.89,"sentiment":"neutral","sentiment_score":0.12264024122403218},{"text":"Then the money you were putting on that after pay, you put on to the next final pay later.","start":1389.89,"end":1394.7899,"sentiment":"neutral","sentiment_score":0.18200208089853587},{"text":"You pay that down on a regular interval with the same amount, and you'll end up paying it off a lot faster.","start":1395.01,"end":1400.125,"sentiment":"positive","sentiment_score":0.40246381204236636}],"sentiment":"neutral","sentiment_score":0.24643759365852286,"num_words":82,"start":1379.875,"end":1400.125},{"sentences":[{"text":"Once it gets to zero, you close it, and then you it's just like a trickle effect.","start":1400.265,"end":1404.585,"sentiment":"neutral","sentiment_score":0.1842469879809548},{"text":"You focus on one debt.","start":1404.585,"end":1406.105,"sentiment":"neutral","sentiment_score":0.1934260308742523},{"text":"You're still paying off all the others at the same rate.","start":1406.105,"end":1408.745,"sentiment":"neutral","sentiment_score":0.20248344269665805},{"text":"This is you're focusing your free cash flow on one particular debt.","start":1408.745,"end":1410.6917,"sentiment":"positive","sentiment_score":0.35172174250086147},{"text":"That way, you're knocking it out quickly, and focusing on one And focusing on one debt at a time and doing it this way gives you little wins.","start":1410.6917,"end":1419.25,"sentiment":"positive","sentiment_score":0.43819878676107954}],"sentiment":"neutral","sentiment_score":0.31255991450727805,"num_words":73,"start":1400.265,"end":1419.25},{"sentences":[{"text":"It's a it's a and finding the smallest one helps you because as human beings, our psyche wants us to see progress.","start":1420.2699,"end":1426.9299,"sentiment":"positive","sentiment_score":0.4752586781978607},{"text":"We get excited when things are working in our favor, things that make us happy.","start":1427.085,"end":1431.345,"sentiment":"positive","sentiment_score":0.7136736989021302},{"text":"So if we focus on the smallest debt first, you pay that out, you feel better, you know you've achieved something, and then you close it off and you work on the next one.","start":1432.0449,"end":1440.63,"sentiment":"positive","sentiment_score":0.615231932962642},{"text":"And you start to feel better, and you're building habits by doing that as well.","start":1440.71,"end":1444.23,"sentiment":"positive","sentiment_score":0.7506185173988342},{"text":"So that's essentially what that advice document was.","start":1444.23,"end":1446.71,"sentiment":"positive","sentiment_score":0.35522622242569923}],"sentiment":"positive","sentiment_score":0.5976571240957748,"num_words":94,"start":1420.2699,"end":1446.71},{"sentences":[{"text":"It was just showing you where you could save some money to increase free cash flow, how you could utilize your savings to use to buy the chemist warehouse products because you were basically being able to free up money to do that.","start":1446.71,"end":1460.595,"sentiment":"positive","sentiment_score":0.5364021748997444},{"text":"So then you could pay off your Afterpay, close it, and then use the money to the next step, then the next step.","start":1460.655,"end":1466.255,"sentiment":"neutral","sentiment_score":0.29182294788567914},{"text":"And the last one was that really big debt that you had everything consolidated to.","start":1466.255,"end":1470.57,"sentiment":"neutral","sentiment_score":-0.1876668964823087},{"text":"Once you've closed off everything else, they will let you pay it off faster.","start":1470.73,"end":1474.73,"sentiment":"positive","sentiment_score":0.45930238493851255},{"text":"They just wanna know where the money's coming from.","start":1474.73,"end":1476.6499,"sentiment":"neutral","sentiment_score":0.3192484461598926}],"sentiment":"positive","sentiment_score":0.3487085315327232,"num_words":104,"start":1446.71,"end":1476.6499},{"sentences":[{"text":"So you just let them know that, essentially, you've you've freed got some free cash flow.","start":1476.6499,"end":1482.33,"sentiment":"positive","sentiment_score":0.5995296146720648},{"text":"You've, you know, freed up some money.","start":1482.33,"end":1483.7699,"sentiment":"positive","sentiment_score":0.6661339742796761},{"text":"You wanna pay it down, and that'll allow you to do that.","start":1483.7699,"end":1486.5099,"sentiment":"positive","sentiment_score":0.6591169784466425},{"text":"And that's how you sort of get all of those debts paid down faster in, you know, an easier way, but it helps to make you feel better as well because you feel like you're achieving something as you close one off.","start":1486.835,"end":1498.595,"sentiment":"positive","sentiment_score":0.7374676551137652},{"text":"Does that make sense?","start":1498.595,"end":1499.655,"sentiment":"neutral","sentiment_score":0.27943236380815506}],"sentiment":"positive","sentiment_score":0.6698294613096449,"num_words":81,"start":1476.6499,"end":1499.655},{"sentences":[{"text":"Yep.","start":1501.5801,"end":1502.0801,"sentiment":"neutral","sentiment_score":0.1529316604137421},{"text":"Yeah.","start":1507.26,"end":1507.76,"sentiment":"neutral","sentiment_score":-0.020641246810555455},{"text":"Absolutely.","start":1508.54,"end":1509.04,"sentiment":"neutral","sentiment_score":0.03625670075416565},{"text":"Mhmm.","start":1512.14,"end":1512.615,"sentiment":"neutral","sentiment_score":-0.05552223324775696},{"text":"Yep.","start":1515.255,"end":1515.755,"sentiment":"neutral","sentiment_score":-0.044465698301792145}],"sentiment":"neutral","sentiment_score":0.013711836561560636,"num_words":5,"start":1501.5801,"end":1515.755},{"sentences":[{"text":"Yep.","start":1526.135,"end":1526.535,"sentiment":"neutral","sentiment_score":0.04336962848901749},{"text":"That's okay.","start":1526.535,"end":1527.275,"sentiment":"neutral","sentiment_score":0.10591715574264526},{"text":"No issues at all.","start":1527.38,"end":1528.8401,"sentiment":"neutral","sentiment_score":0.10600887425243855},{"text":"So with with the debts that you do have at the moment, do you know the total of all those of all the afterpays, the consolidated debts, the credit cards?","start":1529.2201,"end":1537.78,"sentiment":"neutral","sentiment_score":-0.015872495931883654},{"text":"Do you know what the total is owing on all of those at the moment?","start":1537.78,"end":1540.4401,"sentiment":"neutral","sentiment_score":-0.03744917772710323}],"sentiment":"neutral","sentiment_score":-0.006897559747672998,"num_words":52,"start":1526.135,"end":1540.4401},{"sentences":[{"text":"Yep.","start":1546.405,"end":1546.905,"sentiment":"neutral","sentiment_score":-0.003644497599452734},{"text":"Yep.","start":1549.125,"end":1549.625,"sentiment":"neutral","sentiment_score":-0.0003340672701597214},{"text":"Yep.","start":1552.405,"end":1552.905,"sentiment":"neutral","sentiment_score":0.006681319326162338},{"text":"Yep.","start":1555.605,"end":1556.105,"sentiment":"neutral","sentiment_score":-0.004346533678472042},{"text":"Yep.","start":1559.81,"end":1560.31,"sentiment":"neutral","sentiment_score":-0.017701473087072372}],"sentiment":"neutral","sentiment_score":-0.003869050461798906,"num_words":5,"start":1546.405,"end":1560.31},{"sentences":[{"text":"Yeah.","start":1581.895,"end":1582.395,"sentiment":"neutral","sentiment_score":-0.0787203311920166},{"text":"No.","start":1585.46,"end":1585.86,"sentiment":"neutral","sentiment_score":-0.12148719280958176},{"text":"Understandable.","start":1585.86,"end":1586.36,"sentiment":"neutral","sentiment_score":-0.08551982045173645},{"text":"So it's about 3,000 and 45 on a monthly basis for everything.","start":1586.9,"end":1591.32,"sentiment":"neutral","sentiment_score":0.026570853932450216},{"text":"Mhmm.","start":1600.1649,"end":1600.245,"sentiment":"neutral","sentiment_score":0.026311304420232773}],"sentiment":"neutral","sentiment_score":0.003714637947268784,"num_words":16,"start":1581.895,"end":1600.245},{"sentences":[{"text":"Yep.","start":1600.245,"end":1600.745,"sentiment":"neutral","sentiment_score":0.0611020103096962},{"text":"Mhmm.","start":1604.1649,"end":1604.6649,"sentiment":"neutral","sentiment_score":0.020526545122265816},{"text":"Okay.","start":1615.22,"end":1615.72,"sentiment":"positive","sentiment_score":0.3485524356365204},{"text":"Perfect.","start":1615.78,"end":1616.28,"sentiment":"positive","sentiment_score":0.5737476944923401},{"text":"So if you were to sorry.","start":1616.74,"end":1619.22,"sentiment":"neutral","sentiment_score":0.16056649635235468}],"sentiment":"neutral","sentiment_score":0.19673276636749507,"num_words":10,"start":1600.245,"end":1619.22},{"sentences":[{"text":"Go back into the solar life insurance sort of things.","start":1619.22,"end":1621.62,"sentiment":"neutral","sentiment_score":0.05167803689837456},{"text":"But if you were to pass away, that 200,000 because you don't own your own home at the moment, you don't have any mortgage to cover.","start":1621.62,"end":1628.715,"sentiment":"neutral","sentiment_score":-0.12488789928074066},{"text":"Do you feel like that would be sufficient to cover all of your debts and then cover and you've got your funeral cover there as well?","start":1628.715,"end":1635.695,"sentiment":"neutral","sentiment_score":0.09535654347676498},{"text":"And then also provide a little bit to your kids knowing your super benefit is also paid out, so that's also part of it.","start":1636.31,"end":1643.61,"sentiment":"neutral","sentiment_score":0.29741282512744266},{"text":"Okay.","start":1655.365,"end":1655.865,"sentiment":"neutral","sentiment_score":0.1541632115840912}],"sentiment":"neutral","sentiment_score":0.08093144980141487,"num_words":87,"start":1619.22,"end":1655.865},{"sentences":[{"text":"Yeah.","start":1656.165,"end":1656.5651,"sentiment":"neutral","sentiment_score":0.219647079706192},{"text":"Perfect.","start":1656.5651,"end":1657.0651,"sentiment":"positive","sentiment_score":0.6226707696914673},{"text":"So so if we add it all together because your balance between all three funds is around about a 122,705 and 88¢.","start":1657.605,"end":1666.45,"sentiment":"neutral","sentiment_score":0.14924466822828567},{"text":"And then, obviously, your life insurance with insurance line there, 200512.","start":1666.9099,"end":1671.71,"sentiment":"neutral","sentiment_score":0.09303991293365305},{"text":"So it does provide a total benefit based on the current scenario of 323,217 and 88¢.","start":1671.71,"end":1680.905,"sentiment":"neutral","sentiment_score":0.22768326103687286}],"sentiment":"neutral","sentiment_score":0.1717376293880599,"num_words":51,"start":1656.165,"end":1680.905},{"sentences":[{"text":"So then if you've got, say, $30,000 in debt as an example, that could pay all of those out.","start":1680.905,"end":1687.6,"sentiment":"neutral","sentiment_score":0.04465454228614506},{"text":"Sorry.","start":1687.74,"end":1688.14,"sentiment":"neutral","sentiment_score":-0.3218543231487274},{"text":"My computer just froze.","start":1688.14,"end":1689.76,"sentiment":"negative","sentiment_score":-0.3396287113428116},{"text":"Mhmm.","start":1694.14,"end":1694.64,"sentiment":"neutral","sentiment_score":-0.1682852804660797},{"text":"Okay.","start":1701.235,"end":1701.735,"sentiment":"neutral","sentiment_score":-0.003772346302866936}],"sentiment":"neutral","sentiment_score":-0.038615018917390935,"num_words":26,"start":1680.905,"end":1701.735},{"sentences":[{"text":"Yep.","start":1702.9149,"end":1703.4149,"sentiment":"neutral","sentiment_score":-0.05642169713973999},{"text":"Okay.","start":1707.5549,"end":1708.0549,"sentiment":"neutral","sentiment_score":0.0037566814571619034},{"text":"So let's say so twenty, thirty.","start":1708.4349,"end":1711.635,"sentiment":"neutral","sentiment_score":0.012427908678849539},{"text":"So let's just say it was about 50,000 all up as an example.","start":1711.635,"end":1715.095,"sentiment":"neutral","sentiment_score":0.006188504541149506},{"text":"You know, the benefit paid out minus, say, $50,000 in debt coverage leaves about $273,217.88, which can you know, if as per your instructions, you've mentioned you wanna have that then divided amongst your killed your kids in a certain way.","start":1716.33,"end":1735.3049,"sentiment":"neutral","sentiment_score":-0.014183880295604467}],"sentiment":"neutral","sentiment_score":-0.007622987154077311,"num_words":62,"start":1702.9149,"end":1735.3049},{"sentences":[{"text":"Does that sound like enough to provide?","start":1735.3049,"end":1737.8849,"sentiment":"neutral","sentiment_score":0.02733911986329726},{"text":"Yeah.","start":1738.0249,"end":1738.5249,"sentiment":"neutral","sentiment_score":0.023675011470913887},{"text":"Yeah.","start":1743.3849,"end":1743.8849,"sentiment":"neutral","sentiment_score":-0.010094251483678818},{"text":"Because you've got four kids, don't you?","start":1744.64,"end":1746.74,"sentiment":"neutral","sentiment_score":0.027106401111398424},{"text":"Yeah.","start":1747.9199,"end":1748.32,"sentiment":"neutral","sentiment_score":0.10223469138145448}],"sentiment":"neutral","sentiment_score":0.029231417540679958,"num_words":17,"start":1735.3049,"end":1748.32},{"sentences":[{"text":"Perfect.","start":1748.32,"end":1748.7999,"sentiment":"neutral","sentiment_score":0.2608524560928345},{"text":"So divide that by four.","start":1748.7999,"end":1749.84,"sentiment":"neutral","sentiment_score":0.139971624314785},{"text":"It's about 68,000 each.","start":1749.84,"end":1751.3999,"sentiment":"neutral","sentiment_score":0.0663262102752924},{"text":"You know what I mean?","start":1751.3999,"end":1752.24,"sentiment":"neutral","sentiment_score":0.03524691760540009},{"text":"We're not all working just to make sure that, you know, they get a huge benefit once we all pass away.","start":1752.24,"end":1759.245,"sentiment":"neutral","sentiment_score":-0.03986750507638568}],"sentiment":"neutral","sentiment_score":0.015695344449745283,"num_words":36,"start":1748.32,"end":1759.245},{"sentences":[{"text":"The idea of having life cover is a benefit to pay if something was to happen, basically, for covering debts and living expenses and things for your family.","start":1759.245,"end":1767.745,"sentiment":"neutral","sentiment_score":0.027716126292943954},{"text":"But having it just to give your kids a benefit is not always the best thing because we often don't claim on it.","start":1768.285,"end":1773.83,"sentiment":"neutral","sentiment_score":-0.23284489175547723},{"text":"We often end up getting to $60.65 and deciding we don't need it anymore and canceling it.","start":1773.83,"end":1778.55,"sentiment":"neutral","sentiment_score":-0.24469956667984233},{"text":"So that would essentially, based on the current scenario, could provide about 68,000 to each of your kids, which do you feel like that would be comfortable?","start":1778.55,"end":1787.125,"sentiment":"neutral","sentiment_score":0.07469167491352116},{"text":"Yeah.","start":1791.255,"end":1791.505,"sentiment":"neutral","sentiment_score":0.21736092865467072}],"sentiment":"neutral","sentiment_score":-0.0677628901709492,"num_words":96,"start":1759.245,"end":1791.505},{"sentences":[{"text":"Nice.","start":1791.505,"end":1792.005,"sentiment":"positive","sentiment_score":0.35463613271713257},{"text":"Yeah.","start":1796.945,"end":1797.445,"sentiment":"neutral","sentiment_score":0.1315440982580185},{"text":"Yeah.","start":1799.52,"end":1799.9199,"sentiment":"neutral","sentiment_score":0.0765925869345665},{"text":"No.","start":1799.9199,"end":1800.16,"sentiment":"neutral","sentiment_score":0.027150075882673264},{"text":"That's okay.","start":1800.16,"end":1800.88,"sentiment":"neutral","sentiment_score":0.07808232307434082}],"sentiment":"neutral","sentiment_score":0.12434792332351208,"num_words":6,"start":1791.505,"end":1800.88},{"sentences":[{"text":"That's absolutely fine.","start":1800.88,"end":1802.1,"sentiment":"neutral","sentiment_score":0.24943810204664865},{"text":"So with the Australian Super and the Plum Super, I'm having a look here.","start":1802.48,"end":1805.84,"sentiment":"neutral","sentiment_score":0.1305940422628607},{"text":"You do have a bit of cover.","start":1805.84,"end":1806.96,"sentiment":"neutral","sentiment_score":0.08871982565947942},{"text":"So when you opened up these funds, you must have picked yes to apply for a basic level of cover.","start":1806.96,"end":1812.9,"sentiment":"neutral","sentiment_score":0.07300675082951784},{"text":"They have got insurances in here, so I do have to talk to you about what you wanna do with those because I don't we don't wanna cancel them if you felt like you do need them, but at the same time, having three super funds open isn't generally preferable.","start":1813.165,"end":1825.585,"sentiment":"neutral","sentiment_score":-0.07351373128592968}],"sentiment":"neutral","sentiment_score":0.010448065209896006,"num_words":94,"start":1800.88,"end":1825.585},{"sentences":[{"text":"Especially if you're not contributing to those funds.","start":1826.19,"end":1828.45,"sentiment":"neutral","sentiment_score":-0.2182331383228302},{"text":"Those insurances do cancel eventually.","start":1828.75,"end":1830.7699,"sentiment":"neutral","sentiment_score":-0.2471312791109085},{"text":"So with the Plum Super, the amount of cover because your employer contributions are still going to there at the moment.","start":1830.83,"end":1840.13,"sentiment":"neutral","sentiment_score":-0.07282112254982903},{"text":"Plumb sorry.","start":1841.045,"end":1842.485,"sentiment":"neutral","sentiment_score":-0.2140670269727707},{"text":"I'm just going down on the document.","start":1842.485,"end":1845.225,"sentiment":"neutral","sentiment_score":-0.11986775376967021}],"sentiment":"neutral","sentiment_score":-0.13437147455853085,"num_words":43,"start":1826.19,"end":1845.225},{"sentences":[{"text":"Yes.","start":1856.74,"end":1857.24,"sentiment":"neutral","sentiment_score":-0.038603853434324265},{"text":"Yeah.","start":1864.755,"end":1865.255,"sentiment":"neutral","sentiment_score":-0.19436275959014893},{"text":"Wow.","start":1877.475,"end":1877.875,"sentiment":"neutral","sentiment_score":-0.18562230467796328},{"text":"A tax though?","start":1877.875,"end":1878.835,"sentiment":"neutral","sentiment_score":-0.11770015706618626},{"text":"Yeah.","start":1878.835,"end":1879.02,"sentiment":"neutral","sentiment_score":-0.04755544662475586}],"sentiment":"neutral","sentiment_score":-0.11703497650367874,"num_words":7,"start":1856.74,"end":1879.02},{"sentences":[{"text":"Yeah.","start":1879.74,"end":1880.24,"sentiment":"neutral","sentiment_score":-0.06765437126159668},{"text":"Yeah.","start":1882.78,"end":1883.28,"sentiment":"neutral","sentiment_score":-0.13930600881576538},{"text":"Yep.","start":1890.14,"end":1890.64,"sentiment":"neutral","sentiment_score":-0.033648110926151276},{"text":"Yep.","start":1890.9401,"end":1891.4401,"sentiment":"neutral","sentiment_score":0.027427878230810165},{"text":"Makes sense.","start":1891.66,"end":1892.355,"sentiment":"neutral","sentiment_score":0.06302735954523087}],"sentiment":"neutral","sentiment_score":-0.014520982280373573,"num_words":6,"start":1879.74,"end":1892.355},{"sentences":[{"text":"Yeah.","start":1892.595,"end":1893.095,"sentiment":"neutral","sentiment_score":0.06832912564277649},{"text":"Definitely.","start":1893.635,"end":1894.135,"sentiment":"neutral","sentiment_score":0.14960698783397677},{"text":"That's okay.","start":1894.195,"end":1894.945,"sentiment":"neutral","sentiment_score":0.09846357256174088},{"text":"Yeah.","start":1909.21,"end":1909.69,"sentiment":"neutral","sentiment_score":-0.00369514524936676},{"text":"Tax rate due to change in circumstances.","start":1909.69,"end":1914.11,"sentiment":"neutral","sentiment_score":-0.04371006786823273}],"sentiment":"neutral","sentiment_score":0.008766469856103262,"num_words":12,"start":1892.595,"end":1914.11},{"sentences":[{"text":"I just let you know you only have one job now.","start":1917.45,"end":1919.71,"sentiment":"neutral","sentiment_score":-0.05844321000305089},{"text":"Yeah.","start":1920.495,"end":1920.995,"sentiment":"neutral","sentiment_score":-0.01919134333729744},{"text":"You're right.","start":1926.015,"end":1926.495,"sentiment":"neutral","sentiment_score":0.0269424207508564},{"text":"With Brenda, with the Plumb Sleeper, it looks like there's no insurances here, which is a benefit to Plumb, so we can definitely look to consolidate that.","start":1926.495,"end":1932.895,"sentiment":"neutral","sentiment_score":0.021784290395401144},{"text":"There's no cover in this one.","start":1932.895,"end":1934.255,"sentiment":"neutral","sentiment_score":-0.2560967455307643}],"sentiment":"neutral","sentiment_score":-0.033118860518678704,"num_words":47,"start":1917.45,"end":1934.255},{"sentences":[{"text":"It would be due to the balance being lower.","start":1934.255,"end":1936.09,"sentiment":"neutral","sentiment_score":-0.15716958211527932},{"text":"It's only 6,622.","start":1936.09,"end":1938.51,"sentiment":"neutral","sentiment_score":-0.0879285844663779},{"text":"But in the Australian Super, you do have a 150,000 of life and total permanent disability cover.","start":1938.97,"end":1944.99,"sentiment":"neutral","sentiment_score":0.011970765450421502},{"text":"Would you feel like that is something you wanted to keep on top of your current insurances and the benefit we've just discussed, or is it something that's not important to you?","start":1945.13,"end":1952.6749,"sentiment":"neutral","sentiment_score":-0.005692378268577159},{"text":"How do you feel about the insurances in AustralianSuper and the level of cover?","start":1952.6749,"end":1956.455,"sentiment":"neutral","sentiment_score":-0.056157930354986875}],"sentiment":"neutral","sentiment_score":-0.032575681457916894,"num_words":75,"start":1934.255,"end":1956.455},{"sentences":[{"text":"Yep.","start":1971.09,"end":1971.59,"sentiment":"neutral","sentiment_score":-0.07628810405731201},{"text":"Yeah.","start":1972.21,"end":1972.61,"sentiment":"neutral","sentiment_score":0.01868155039846897},{"text":"Correct.","start":1972.61,"end":1973.11,"sentiment":"neutral","sentiment_score":0.06878514587879181},{"text":"Correct.","start":1973.275,"end":1973.775,"sentiment":"neutral","sentiment_score":0.08371849358081818},{"text":"Yeah.","start":1982.075,"end":1982.575,"sentiment":"neutral","sentiment_score":-0.008001022040843964}],"sentiment":"neutral","sentiment_score":0.017379212751984598,"num_words":5,"start":1971.09,"end":1982.575},{"sentences":[{"text":"Understandable.","start":1983.595,"end":1984.095,"sentiment":"neutral","sentiment_score":0.0029112461488693953},{"text":"There may be that's okay.","start":1984.875,"end":1986.975,"sentiment":"neutral","sentiment_score":-0.02764804717153311},{"text":"There may be some ways where we might be able to look at trying to keep the cover but still being able to consolidate you.","start":1987.9401,"end":1993.46,"sentiment":"neutral","sentiment_score":0.06403582513332368},{"text":"So I will look at all the different options to see what we can do.","start":1993.46,"end":1996.76,"sentiment":"neutral","sentiment_score":0.10353199988603592},{"text":"I just am trying to pull up your previous pre assessment you completed to see when that was.","start":1997.62,"end":2008.065,"sentiment":"neutral","sentiment_score":-0.0074742163221041364}],"sentiment":"neutral","sentiment_score":0.0450626678612025,"num_words":64,"start":1983.595,"end":2008.065},{"sentences":[{"text":"I'm not sure when that was.","start":2009.885,"end":2011.1649,"sentiment":"neutral","sentiment_score":-0.1738664781053861},{"text":"I might is it okay if I get the team to oh, actually, the last one here was in 2024 because just to see how what other options we might have for being able to help consolidate but retain the cover amounts you want.","start":2011.1649,"end":2034.0751,"sentiment":"neutral","sentiment_score":0.07695818455381827},{"text":"It doesn't look like we have a pre assessment we did back in 2024.","start":2035.5751,"end":2040.9551,"sentiment":"neutral","sentiment_score":-0.13796434019293105},{"text":"Back then, you were didn't really have anything disclosed here.","start":2042.055,"end":2046.94,"sentiment":"neutral","sentiment_score":-0.15243057757616044},{"text":"If I was to book in, maybe a call with one of my lovely admin team one day, maybe next week to go through a new pre assessment just so I can have a look at what we can do with the insurance and where we might be able to go advice wise to help consolidate and not have so many super funds.","start":2047.4,"end":2063.2651,"sentiment":"neutral","sentiment_score":0.033131556969786445}],"sentiment":"neutral","sentiment_score":0.0071127211851795226,"num_words":137,"start":2009.885,"end":2063.2651},{"sentences":[{"text":"Would that be okay?","start":2063.2651,"end":2064.3252,"sentiment":"neutral","sentiment_score":0.05847329180687666},{"text":"Yep.","start":2065.905,"end":2066.3052,"sentiment":"neutral","sentiment_score":0.18602429330348969},{"text":"Beautiful.","start":2066.3052,"end":2066.8052,"sentiment":"positive","sentiment_score":0.441533088684082},{"text":"Yep.","start":2072.3052,"end":2072.76,"sentiment":"neutral","sentiment_score":0.02668355219066143},{"text":"Yep.","start":2073.56,"end":2074.06,"sentiment":"neutral","sentiment_score":0.084815613925457}],"sentiment":"neutral","sentiment_score":0.1216187144163996,"num_words":8,"start":2063.2651,"end":2074.06},{"sentences":[{"text":"Yep.","start":2076.44,"end":2076.94,"sentiment":"neutral","sentiment_score":-0.029446765780448914},{"text":"Yep.","start":2082.28,"end":2082.6,"sentiment":"neutral","sentiment_score":0.025235235691070557},{"text":"Well, it doesn't matter what we you can still keep that.","start":2082.6,"end":2085.64,"sentiment":"neutral","sentiment_score":0.010757878761399876},{"text":"You can absolutely keep that.","start":2085.64,"end":2087.025,"sentiment":"neutral","sentiment_score":0.3178589940071106},{"text":"So what I'll look at doing what I'm looking at trying to do is to see whether I can maybe keep the Australian superinsurances and just transfer them to Hub twenty four.","start":2087.9048,"end":2096.1648,"sentiment":"neutral","sentiment_score":0.07027893315535039}],"sentiment":"neutral","sentiment_score":0.07904691934585571,"num_words":50,"start":2076.44,"end":2096.1648},{"sentences":[{"text":"But I just need to do check your health and check your pre assessment to see if there's been any changes since we last did one and to see what options we have for doing that and what the costs are.","start":2096.545,"end":2106.6,"sentiment":"neutral","sentiment_score":-0.02075329014077419},{"text":"So I'll book in a time for my team to do a bit of a pre assessment with you there, and then we can go forward and have a bit of a look at whether transferring is an option.","start":2107.06,"end":2116.9001,"sentiment":"neutral","sentiment_score":0.1820238288014363},{"text":"That way, you can keep that extra level of cover.","start":2116.9001,"end":2119.085,"sentiment":"neutral","sentiment_score":0.2291642501950264},{"text":"Either way, you can keep the Australian line sorry.","start":2119.305,"end":2122.025,"sentiment":"neutral","sentiment_score":0.18445312480131784},{"text":"Insurance line cover open.","start":2122.025,"end":2123.465,"sentiment":"neutral","sentiment_score":0.13426515646278858}],"sentiment":"neutral","sentiment_score":0.10424102600483061,"num_words":103,"start":2096.545,"end":2123.465},{"sentences":[{"text":"That's not a problem at all.","start":2123.465,"end":2124.7449,"sentiment":"positive","sentiment_score":0.5451594690481821},{"text":"It does not in any way, shape, or form affect the advice, and you're paying for out of pocket.","start":2124.7449,"end":2129.225,"sentiment":"neutral","sentiment_score":0.20919411864719892},{"text":"So it doesn't affect your super funds either.","start":2129.225,"end":2131.53,"sentiment":"neutral","sentiment_score":0.10896965581923723},{"text":"Okay?","start":2131.53,"end":2132.03,"sentiment":"neutral","sentiment_score":0.07759780436754227},{"text":"Yeah.","start":2134.49,"end":2134.99,"sentiment":"neutral","sentiment_score":0.0554376021027565}],"sentiment":"neutral","sentiment_score":0.23572679204600197,"num_words":35,"start":2123.465,"end":2134.99},{"sentences":[{"text":"What what yes.","start":2135.77,"end":2138.75,"sentiment":"neutral","sentiment_score":0.02191598496089379},{"text":"With HUB24 it it honestly depends upon what we do.","start":2140.1702,"end":2144.73,"sentiment":"neutral","sentiment_score":0.03444899450987578},{"text":"I've gotta do a bit of research around Hub twenty four, what the insurance options are.","start":2144.73,"end":2148.895,"sentiment":"neutral","sentiment_score":0.050997221493162215},{"text":"I need to do the pre assessment to assess, you know, what we can do and what we're able to do.","start":2149.2751,"end":2153.995,"sentiment":"neutral","sentiment_score":0.08040353709033557},{"text":"So I'll do the research on that for you.","start":2153.995,"end":2156.495,"sentiment":"neutral","sentiment_score":0.12892884595526588}],"sentiment":"neutral","sentiment_score":0.06906825993841482,"num_words":59,"start":2135.77,"end":2156.495},{"sentences":[{"text":"If you like, I can do that research.","start":2156.7952,"end":2158.895,"sentiment":"neutral","sentiment_score":0.13909783959388733},{"text":"I'll get you booked in to do a pre assessment.","start":2159.1501,"end":2160.99,"sentiment":"neutral","sentiment_score":0.16588815152645112},{"text":"I'll do the research for you on the options, and then we can come back and talk about it.","start":2160.99,"end":2165.31,"sentiment":"neutral","sentiment_score":0.14543245301434868},{"text":"Does that sound okay?","start":2165.31,"end":2166.45,"sentiment":"neutral","sentiment_score":0.13128219731152058},{"text":"Yeah?","start":2168.1902,"end":2168.6902,"sentiment":"neutral","sentiment_score":0.01311552617698908}],"sentiment":"neutral","sentiment_score":0.14459821796931682,"num_words":42,"start":2156.7952,"end":2168.6902},{"sentences":[{"text":"Yes.","start":2179.7249,"end":2180.2249,"sentiment":"neutral","sentiment_score":0.06353262811899185},{"text":"Yes.","start":2185.165,"end":2185.665,"sentiment":"neutral","sentiment_score":0.09005546569824219},{"text":"Yep.","start":2203.385,"end":2203.885,"sentiment":"neutral","sentiment_score":-0.01349753886461258},{"text":"Yep.","start":2204.1848,"end":2204.6848,"sentiment":"neutral","sentiment_score":0.00951765850186348},{"text":"Yeah.","start":2214.9,"end":2215.22,"sentiment":"neutral","sentiment_score":-0.031563349068164825}],"sentiment":"neutral","sentiment_score":0.023608972877264024,"num_words":5,"start":2179.7249,"end":2215.22},{"sentences":[{"text":"There's no insurances in Hub twenty four at the moment at all.","start":2215.22,"end":2218.02,"sentiment":"neutral","sentiment_score":-0.12598461657762527},{"text":"There's nothing being paid out of Hub at the moment insurance wise.","start":2218.02,"end":2220.92,"sentiment":"neutral","sentiment_score":-0.12162110395729542},{"text":"Yep.","start":2222.9,"end":2223.4,"sentiment":"neutral","sentiment_score":0.014854034408926964},{"text":"But I'll look at what I can do.","start":2223.6199,"end":2225.24,"sentiment":"neutral","sentiment_score":0.03859407198615372},{"text":"What day next week suits you best to maybe go to a quick pre assessment with one of my beautiful admin team?","start":2225.54,"end":2230.7048,"sentiment":"neutral","sentiment_score":0.09134990518743341}],"sentiment":"neutral","sentiment_score":-0.011599347672679207,"num_words":55,"start":2215.22,"end":2230.7048},{"sentences":[{"text":"Mhmm.","start":2235.4048,"end":2235.9048,"sentiment":"neutral","sentiment_score":-0.02664219960570335},{"text":"Yeah.","start":2239.9,"end":2240.14,"sentiment":"neutral","sentiment_score":0.04810706898570061},{"text":"That's okay.","start":2240.14,"end":2240.96,"sentiment":"neutral","sentiment_score":0.08070418983697891},{"text":"We're open till about 02:30.","start":2241.26,"end":2243.66,"sentiment":"neutral","sentiment_score":0.05427663177251816},{"text":"Our last call is normally run at 01:00 on a Friday.","start":2243.66,"end":2246.56,"sentiment":"neutral","sentiment_score":0.03204690038480542}],"sentiment":"neutral","sentiment_score":0.04033861560747028,"num_words":20,"start":2235.4048,"end":2246.56},{"sentences":[{"text":"Would that suit you at all, or did you want kind of the morning?","start":2247.98,"end":2251.1199,"sentiment":"neutral","sentiment_score":0.019609666030321802},{"text":"Yeah.","start":2253.905,"end":2254.145,"sentiment":"neutral","sentiment_score":0.13350072503089905},{"text":"Perfect.","start":2254.145,"end":2254.625,"sentiment":"neutral","sentiment_score":0.2488231062889099},{"text":"So that'll be about 1PM on Friday next week, which is the March 6.","start":2254.625,"end":2259.7449,"sentiment":"neutral","sentiment_score":0.07888548342244965},{"text":"Is that okay?","start":2259.7449,"end":2260.565,"sentiment":"neutral","sentiment_score":0.08343691875537236}],"sentiment":"neutral","sentiment_score":0.06095656605832504,"num_words":33,"start":2247.98,"end":2260.565},{"sentences":[{"text":"Beautiful.","start":2262.2249,"end":2262.7249,"sentiment":"positive","sentiment_score":0.6839643716812134},{"text":"It won't take long.","start":2262.785,"end":2263.665,"sentiment":"positive","sentiment_score":0.39320438355207443},{"text":"I'll just run through a bit of a pre assessment questionnaire.","start":2263.665,"end":2265.905,"sentiment":"neutral","sentiment_score":0.24397582628510214},{"text":"We just update what we already have on file, and then I can go and do a little bit of research to see what options we have.","start":2265.905,"end":2273.21,"sentiment":"neutral","sentiment_score":0.2054584597547849},{"text":"And then I can come back and talk to you about it before we go to advise if you like.","start":2273.2698,"end":2277.1099,"sentiment":"neutral","sentiment_score":0.17847406193614007}],"sentiment":"neutral","sentiment_score":0.22313294677980364,"num_words":63,"start":2262.2249,"end":2277.1099},{"sentences":[{"text":"That way, you get a feel for what we're looking at, what we're trying to do, and it helps you to maybe think in the meantime what it is that you're after when we're looking at insurances, what you want to happen, that sort of thing.","start":2277.1099,"end":2288.505,"sentiment":"neutral","sentiment_score":0.18101915870995625},{"text":"Does that sound okay?","start":2288.505,"end":2289.4849,"sentiment":"neutral","sentiment_score":0.11265995725989342},{"text":"Perfect.","start":2291.545,"end":2292.045,"sentiment":"positive","sentiment_score":0.5748567581176758},{"text":"Excellent.","start":2292.265,"end":2292.765,"sentiment":"positive","sentiment_score":0.5336043834686279},{"text":"Now the other thing to sort of have a look at, look, your Superfund within Hub twenty four has done really well over the last twelve months.","start":2293.8,"end":2299.6401,"sentiment":"neutral","sentiment_score":0.2396469756408974}],"sentiment":"neutral","sentiment_score":0.20704367865301385,"num_words":79,"start":2277.1099,"end":2299.6401},{"sentences":[{"text":"As I sort of mentioned that you have got about 94,000 in there.","start":2299.6401,"end":2303.5,"sentiment":"neutral","sentiment_score":0.06383240824708572},{"text":"We have seen a little bit of a dip with one of the funds.","start":2304.12,"end":2307.74,"sentiment":"neutral","sentiment_score":-0.012960222815828664},{"text":"So in your super fund, you've got a diversified portfolio.","start":2307.8,"end":2312.085,"sentiment":"neutral","sentiment_score":0.10304309614002705},{"text":"We have Australian equities.","start":2312.145,"end":2313.585,"sentiment":"neutral","sentiment_score":0.024667116347700357},{"text":"We've got US investments.","start":2313.585,"end":2315.045,"sentiment":"neutral","sentiment_score":0.05191979743540287}],"sentiment":"neutral","sentiment_score":0.044114595651626586,"num_words":45,"start":2299.6401,"end":2315.045},{"sentences":[{"text":"We've got global health care, Asian investments, and we've got some cybersecurity to agriculture and battery and lithium tax.","start":2315.105,"end":2322.085,"sentiment":"neutral","sentiment_score":0.08409584627339714},{"text":"Within your portfolio over the last twelve months, your Australian the Benelon Australian Equities Partners has invested into Australian companies.","start":2322.74,"end":2330.5999,"sentiment":"neutral","sentiment_score":0.026469723088666797},{"text":"That is down a little bit.","start":2331.22,"end":2332.42,"sentiment":"neutral","sentiment_score":-0.1849269481996695},{"text":"They've had a bit of an issue underlying.","start":2332.42,"end":2334.3599,"sentiment":"neutral","sentiment_score":-0.16012709587812424},{"text":"I would like to maybe swap that out as part of the advice update, but we'll do all this at once so you can see everything.","start":2334.42,"end":2341.005,"sentiment":"neutral","sentiment_score":-0.011735580360087065}],"sentiment":"neutral","sentiment_score":-0.007196050691359405,"num_words":79,"start":2315.105,"end":2341.005},{"sentences":[{"text":"But, realistically, your portfolio was slightly down because of that investment.","start":2342.025,"end":2345.565,"sentiment":"neutral","sentiment_score":-0.19738322767344388},{"text":"Overall, it's about 1% down, but you've still made a lot of money over the time.","start":2345.7048,"end":2350.29,"sentiment":"neutral","sentiment_score":0.13258776161819696},{"text":"And when we look at how your portfolio has been growing over the last couple of years, you're still up overall.","start":2350.29,"end":2355.83,"sentiment":"neutral","sentiment_score":0.297730429541497},{"text":"So just a small sort of pullback in that one investment, I wanna take it out and put something else in its place that's been working better and is gonna provide benefit.","start":2355.97,"end":2365.2048,"sentiment":"neutral","sentiment_score":0.12169254128821194},{"text":"You comfortable with that?","start":2365.425,"end":2366.7249,"sentiment":"neutral","sentiment_score":0.18174821883440018}],"sentiment":"neutral","sentiment_score":0.12885335593351296,"num_words":84,"start":2342.025,"end":2366.7249},{"sentences":[{"text":"Yep.","start":2367.905,"end":2368.305,"sentiment":"neutral","sentiment_score":0.15942157804965973},{"text":"Beautiful.","start":2368.305,"end":2368.805,"sentiment":"positive","sentiment_score":0.3982568681240082},{"text":"Do you know what age you'd like to be able to maybe stop working and retire?","start":2368.9448,"end":2372.625,"sentiment":"neutral","sentiment_score":0.030137007241137326},{"text":"Are you working on 60 still, or do you think you'd work a bit longer?","start":2372.625,"end":2376.005,"sentiment":"neutral","sentiment_score":-0.013782298813263575},{"text":"55?","start":2379.78,"end":2380.5,"sentiment":"neutral","sentiment_score":0.01244192849844694}],"sentiment":"neutral","sentiment_score":0.02486994142151054,"num_words":34,"start":2367.905,"end":2380.5},{"sentences":[{"text":"Yep.","start":2380.5,"end":2381.0,"sentiment":"neutral","sentiment_score":0.06263251602649689},{"text":"Perfect.","start":2381.0598,"end":2381.5598,"sentiment":"neutral","sentiment_score":0.1576770842075348},{"text":"Tell you what.","start":2388.3398,"end":2389.035,"sentiment":"neutral","sentiment_score":-0.10855333258708318},{"text":"If if we won lotto, we'd all be out tomorrow, would we not?","start":2389.275,"end":2392.4949,"sentiment":"neutral","sentiment_score":-0.10545528106964551},{"text":"No.","start":2395.4348,"end":2395.9348,"sentiment":"neutral","sentiment_score":-0.1803722083568573}],"sentiment":"neutral","sentiment_score":-0.0871916452520772,"num_words":19,"start":2380.5,"end":2395.9348},{"sentences":[{"text":"Yeah.","start":2399.835,"end":2400.335,"sentiment":"neutral","sentiment_score":-0.06483125686645508},{"text":"No.","start":2400.395,"end":2400.7148,"sentiment":"neutral","sentiment_score":-0.11673960089683531},{"text":"That's okay.","start":2400.7148,"end":2401.615,"sentiment":"neutral","sentiment_score":-0.07096051797270775},{"text":"$2.00.","start":2402.72,"end":2403.1199,"sentiment":"neutral","sentiment_score":-0.03820077329874039},{"text":"It's always the people that don't need the money that win the lotto.","start":2403.1199,"end":2405.7798,"sentiment":"neutral","sentiment_score":-0.10498557698268157}],"sentiment":"neutral","sentiment_score":-0.09591695376568371,"num_words":18,"start":2399.835,"end":2405.7798},{"sentences":[{"text":"$6.19 77.","start":2411.2798,"end":2413.0398,"sentiment":"neutral","sentiment_score":0.01634357124567032},{"text":"So you're 49 this year.","start":2413.0398,"end":2418.3398,"sentiment":"neutral","sentiment_score":0.027143876440823077},{"text":"Yep.","start":2419.945,"end":2420.345,"sentiment":"neutral","sentiment_score":0.08013327419757843},{"text":"Perfect.","start":2420.345,"end":2420.7449,"sentiment":"neutral","sentiment_score":0.2345392405986786},{"text":"So we're working on 65 at the moment.","start":2420.7449,"end":2422.9849,"sentiment":"neutral","sentiment_score":0.09965552482753992}],"sentiment":"neutral","sentiment_score":0.07531313165364896,"num_words":17,"start":2411.2798,"end":2422.9849},{"sentences":[{"text":"That's okay.","start":2422.9849,"end":2423.885,"sentiment":"neutral","sentiment_score":0.09961431100964546},{"text":"You've never had investments in your own name before?","start":2424.825,"end":2427.305,"sentiment":"neutral","sentiment_score":-0.012401471535364786},{"text":"You've never owned shares before at all?","start":2427.305,"end":2429.565,"sentiment":"neutral","sentiment_score":-0.03723928837903908},{"text":"Nope.","start":2431.945,"end":2432.265,"sentiment":"neutral","sentiment_score":-0.07792679220438004},{"text":"That's okay.","start":2432.265,"end":2433.085,"sentiment":"positive","sentiment_score":0.4775889813899994}],"sentiment":"neutral","sentiment_score":0.03353293000587395,"num_words":21,"start":2422.9849,"end":2433.085},{"sentences":[{"text":"All good.","start":2433.305,"end":2434.08,"sentiment":"positive","sentiment_score":0.6575232744216919},{"text":"And where are we?","start":2435.04,"end":2437.3,"sentiment":"neutral","sentiment_score":0.12235819548368454},{"text":"The other thing I wanted to sort of look at was if you looked at your super and it dropped by 20% to say we have, you know, another kind of COVID or GFC GFC style event and your super dropped significantly by, say, 20% in the next sort of six to twelve months.","start":2438.08,"end":2452.455,"sentiment":"neutral","sentiment_score":-0.15929185909529528},{"text":"How do you think you might be feeling about that?","start":2452.455,"end":2454.555,"sentiment":"neutral","sentiment_score":-0.12664217501878738},{"text":"Yeah.","start":2457.335,"end":2457.835,"sentiment":"neutral","sentiment_score":-0.15597976744174957}],"sentiment":"neutral","sentiment_score":-0.1157701771548936,"num_words":71,"start":2433.305,"end":2457.835},{"sentences":[{"text":"Yep.","start":2461.735,"end":2462.1,"sentiment":"neutral","sentiment_score":-0.10093658417463304},{"text":"Mhmm.","start":2469.1401,"end":2469.6401,"sentiment":"neutral","sentiment_score":-0.16689041256904602},{"text":"Yes.","start":2483.475,"end":2483.875,"sentiment":"neutral","sentiment_score":-0.04042745381593704},{"text":"Yep.","start":2483.875,"end":2484.375,"sentiment":"neutral","sentiment_score":0.016529478132724762},{"text":"Yeah.","start":2484.595,"end":2484.915,"sentiment":"neutral","sentiment_score":0.007890131324529648}],"sentiment":"neutral","sentiment_score":-0.056766968220472336,"num_words":5,"start":2461.735,"end":2484.915},{"sentences":[{"text":"No.","start":2484.915,"end":2485.075,"sentiment":"neutral","sentiment_score":-0.05082464963197708},{"text":"That's okay.","start":2485.075,"end":2485.895,"sentiment":"neutral","sentiment_score":0.07383830356411636},{"text":"Yeah.","start":2492.41,"end":2492.89,"sentiment":"neutral","sentiment_score":-0.014183666557073591},{"text":"No.","start":2492.89,"end":2493.13,"sentiment":"neutral","sentiment_score":-0.10139422118663788},{"text":"Under understandable.","start":2493.13,"end":2495.07,"sentiment":"neutral","sentiment_score":-0.10957472771406174}],"sentiment":"neutral","sentiment_score":-0.03398219795365419,"num_words":7,"start":2484.915,"end":2495.07},{"sentences":[{"text":"Yeah.","start":2495.69,"end":2496.19,"sentiment":"neutral","sentiment_score":-0.06907232850790024},{"text":"So, Brenda, with your portfolio at the moment, you are, from what I can see, in a bit more of a high growth environment there, and I'll go back and obviously double check the asset allocation as well.","start":2496.41,"end":2505.405,"sentiment":"neutral","sentiment_score":-0.06305671993054841},{"text":"But that that essentially means that you are taking a bit more risk in the market in order to get those greater potential returns.","start":2505.625,"end":2511.245,"sentiment":"neutral","sentiment_score":-0.13968215665469566},{"text":"So when we look at your super because you are wanting more returns, you are wanting those bigger numbers when it comes to your performance, you are taking more risk in the market to obtain that.","start":2511.3052,"end":2521.78,"sentiment":"neutral","sentiment_score":-0.07775628804746601},{"text":"And when we look at the high growth portfolio, because markets do go up and down and we can't predict what's gonna happen, the idea is we're participating in the market and and utilizing those downtimes to our advantage.","start":2521.78,"end":2533.4148,"sentiment":"neutral","sentiment_score":-0.09368470206092565}],"sentiment":"neutral","sentiment_score":-0.08891687822946603,"num_words":138,"start":2495.69,"end":2533.4148},{"sentences":[{"text":"But in this sort of portfolio that you're in, you do expect a negative return one in every sort of five years.","start":2533.4749,"end":2540.45,"sentiment":"neutral","sentiment_score":-0.2889404378154061},{"text":"And if the GFC style event came, no one can predict that.","start":2540.45,"end":2544.05,"sentiment":"neutral","sentiment_score":-0.02754568246503671},{"text":"So not only would your HAB twenty four have to go through that, but every super fund would as well because that's, you know, it's generally Australia wide worldwide sort of event.","start":2544.05,"end":2552.415,"sentiment":"neutral","sentiment_score":0.03988175990525633},{"text":"Would you be comfortable knowing you were going through that sort of event and that your portfolio can come back and recover and that we're putting money into that downtime to advantage you, or do you think you'd be more concerned and wanting to move money out?","start":2553.215,"end":2566.53,"sentiment":"neutral","sentiment_score":0.035146534522163105},{"text":"So you'd you'd you'd be okay knowing that you can come out, that we're still putting your contributions in, and that you can take advantage of those downtimes?","start":2572.45,"end":2579.75,"sentiment":"neutral","sentiment_score":0.05631028242143137}],"sentiment":"neutral","sentiment_score":-0.015478343788719347,"num_words":141,"start":2533.4749,"end":2579.75},{"sentences":[{"text":"Yep.","start":2581.375,"end":2581.615,"sentiment":"neutral","sentiment_score":0.11721216142177582},{"text":"Yep.","start":2581.615,"end":2581.9348,"sentiment":"neutral","sentiment_score":0.18694822490215304},{"text":"Perfect.","start":2581.9348,"end":2582.4348,"sentiment":"positive","sentiment_score":0.3989916443824768},{"text":"No.","start":2582.4949,"end":2582.7349,"sentiment":"neutral","sentiment_score":0.06925748288631439},{"text":"That's okay.","start":2582.7349,"end":2583.4749,"sentiment":"neutral","sentiment_score":0.11289194971323013}],"sentiment":"neutral","sentiment_score":0.16636556883653006,"num_words":6,"start":2581.375,"end":2583.4749},{"sentences":[{"text":"Because with where you are at the moment, the high growth sort of portfolio does suit someone who has at least eight years before they're wanting to access your super, you do generally sit within that sort of area when it comes to time horizon there.","start":2584.015,"end":2596.56,"sentiment":"neutral","sentiment_score":0.15603728924432528},{"text":"And this sort of portfolio, we are looking to try and average around about a 8% eight to 10% return on a yearly basis compounding that forward there.","start":2596.78,"end":2604.855,"sentiment":"neutral","sentiment_score":0.21941878593393735},{"text":"Do you feel like you're comfortable staying in that sort of environment?","start":2604.935,"end":2607.835,"sentiment":"neutral","sentiment_score":0.19349410757422447},{"text":"The way you've answered the questions, I sort of feel like you are fairly happy to stay in that one, though market drops would make you a bit more concerned.","start":2607.975,"end":2616.555,"sentiment":"neutral","sentiment_score":-0.001358487953742345},{"text":"Are you comfortable taking on more risk to try and get better returns knowing that?","start":2617.4302,"end":2621.37,"sentiment":"neutral","sentiment_score":-0.07063018828630448}],"sentiment":"neutral","sentiment_score":0.1110165125142982,"num_words":131,"start":2584.015,"end":2621.37},{"sentences":[{"text":"Yep.","start":2623.1902,"end":2623.51,"sentiment":"neutral","sentiment_score":0.11414553225040436},{"text":"Yep.","start":2623.51,"end":2623.83,"sentiment":"neutral","sentiment_score":0.19409984350204468},{"text":"Beautiful.","start":2623.83,"end":2624.33,"sentiment":"positive","sentiment_score":0.4901384711265564},{"text":"Did you want me to maybe look at salary sacrifice in the super and making additional contributions to help you meet your goals, or Yep.","start":2624.55,"end":2656.3298,"sentiment":"neutral","sentiment_score":0.1064554014801979},{"text":"Yep.","start":2656.3298,"end":2656.755,"sentiment":"neutral","sentiment_score":0.05332746356725693}],"sentiment":"neutral","sentiment_score":0.12114125336038656,"num_words":29,"start":2623.1902,"end":2656.755},{"sentences":[{"text":"Did you want me to incorporate that into the advice and maybe look at something small?","start":2657.315,"end":2661.6348,"sentiment":"neutral","sentiment_score":0.048696296056732535},{"text":"We can start with 20 or $40 on a weekly or fortnightly basis and then kinda work it from there, or do you want that something down the track?","start":2661.6348,"end":2668.855,"sentiment":"neutral","sentiment_score":0.10483337643331495},{"text":"Yes.","start":2674.3801,"end":2674.86,"sentiment":"neutral","sentiment_score":0.07169624418020248},{"text":"Perfect.","start":2674.86,"end":2675.36,"sentiment":"neutral","sentiment_score":0.2934461236000061},{"text":"Yep.","start":2675.82,"end":2676.32,"sentiment":"neutral","sentiment_score":-0.06959769129753113}],"sentiment":"neutral","sentiment_score":0.08572611104076107,"num_words":48,"start":2657.315,"end":2676.32},{"sentences":[{"text":"That's okay.","start":2678.3,"end":2679.12,"sentiment":"neutral","sentiment_score":0.09635029733181},{"text":"Yeah.","start":2682.1401,"end":2682.315,"sentiment":"neutral","sentiment_score":0.03064041957259178},{"text":"Yeah.","start":2687.275,"end":2687.775,"sentiment":"neutral","sentiment_score":0.22572629153728485},{"text":"Perfect.","start":2687.835,"end":2688.2349,"sentiment":"positive","sentiment_score":0.4124978184700012},{"text":"Do you think you'd be comfortable starting with 20 on a week or fortnightly basis or 40?","start":2688.2349,"end":2692.395,"sentiment":"neutral","sentiment_score":0.18412777036428452}],"sentiment":"neutral","sentiment_score":0.1814426009289243,"num_words":22,"start":2678.3,"end":2692.395},{"sentences":[{"text":"What do you think starting point might look comfortable for you?","start":2692.395,"end":2695.375,"sentiment":"neutral","sentiment_score":0.08553560484539378},{"text":"40 on a weekly or fortnightly basis.","start":2698.9602,"end":2701.04,"sentiment":"neutral","sentiment_score":0.033503693129335134},{"text":"Sorry.","start":2701.04,"end":2701.28,"sentiment":"neutral","sentiment_score":-0.024808818474411964},{"text":"I know you're paid monthly.","start":2701.28,"end":2702.5,"sentiment":"neutral","sentiment_score":-0.01735226921737194},{"text":"Monthly?","start":2704.48,"end":2704.98,"sentiment":"neutral","sentiment_score":0.045594967901706696}],"sentiment":"neutral","sentiment_score":0.044377692341804505,"num_words":25,"start":2692.395,"end":2704.98},{"sentences":[{"text":"That's okay.","start":2705.2002,"end":2705.76,"sentiment":"neutral","sentiment_score":0.13903336226940155},{"text":"So 40 per month to start with.","start":2705.76,"end":2707.4402,"sentiment":"neutral","sentiment_score":0.10933019646576472},{"text":"We can have a look at that.","start":2707.4402,"end":2708.7202,"sentiment":"neutral","sentiment_score":0.20695706137589046},{"text":"And then as time grows, we can always alter.","start":2708.7202,"end":2711.115,"sentiment":"neutral","sentiment_score":0.16672620177268982},{"text":"Starting that sort of thing now does provide a greater benefit because you are starting you've got a longer time for the compounding effect to work for you.","start":2711.515,"end":2719.455,"sentiment":"positive","sentiment_score":0.4415085187980107}],"sentiment":"neutral","sentiment_score":0.30858211078733766,"num_words":53,"start":2705.2002,"end":2719.455},{"sentences":[{"text":"So I can incorporate that into the advice for you, and we can update all of that.","start":2719.835,"end":2723.515,"sentiment":"positive","sentiment_score":0.43205594315248375},{"text":"That's not a problem at all.","start":2723.515,"end":2725.035,"sentiment":"positive","sentiment_score":0.4378420263528824},{"text":"Okay?","start":2725.035,"end":2725.535,"sentiment":"neutral","sentiment_score":0.29344606399536133},{"text":"Perfect.","start":2727.0,"end":2727.5,"sentiment":"positive","sentiment_score":0.46911001205444336},{"text":"Now the only other thing to sorta look at here is with your estate planning side of things, I can see on one of your super funds here, you've got it noted that you want the funds to go to your kids.","start":2727.6401,"end":2737.1,"sentiment":"neutral","sentiment_score":0.13978421084937595}],"sentiment":"neutral","sentiment_score":0.24784322572288228,"num_words":67,"start":2719.835,"end":2737.1},{"sentences":[{"text":"All of your kids are working in nontax dependence.","start":2737.4001,"end":2740.185,"sentiment":"neutral","sentiment_score":0.12314518955018786},{"text":"Did you want me to factor that in as in the most tax effective way?","start":2740.185,"end":2744.185,"sentiment":"neutral","sentiment_score":0.19032962719599406},{"text":"Because, realistically, by nominating each of your children, if in the event you were to pass away, if they're receiving your super, they can have to pay tax on that when they receive it.","start":2744.185,"end":2753.145,"sentiment":"neutral","sentiment_score":0.13505138018551996},{"text":"So I can look at a way to incorporate your state planning to nominate them if that's what you're comfortable with in the most tax effective way for you.","start":2753.145,"end":2762.68,"sentiment":"neutral","sentiment_score":0.22547854226211023},{"text":"Yep.","start":2762.68,"end":2763.0798,"sentiment":"neutral","sentiment_score":0.17030911147594452}],"sentiment":"neutral","sentiment_score":0.1734566463326866,"num_words":88,"start":2737.4001,"end":2763.0798},{"sentences":[{"text":"Perfect.","start":2763.0798,"end":2763.5798,"sentiment":"neutral","sentiment_score":0.2986706495285034},{"text":"And have you spoken to a solicitor or had a will drawn up in the past few years at all?","start":2763.64,"end":2767.785,"sentiment":"neutral","sentiment_score":0.08019872717559337},{"text":"Okay.","start":2770.7449,"end":2771.2449,"sentiment":"neutral","sentiment_score":0.21037274599075317},{"text":"That's okay.","start":2771.305,"end":2772.025,"sentiment":"neutral","sentiment_score":0.3061433732509613},{"text":"Not a problem at all.","start":2772.025,"end":2772.905,"sentiment":"positive","sentiment_score":0.37745583057403564}],"sentiment":"neutral","sentiment_score":0.15905461511735258,"num_words":29,"start":2763.0798,"end":2772.905},{"sentences":[{"text":"We can incorporate the estate planning side of things for you.","start":2772.905,"end":2775.625,"sentiment":"positive","sentiment_score":0.3372988998889923},{"text":"And with implementation, we can always send you referral information for a local solicitor we use and, obviously, costing so you can understand what that cost as well.","start":2775.625,"end":2784.3,"sentiment":"neutral","sentiment_score":0.21147343782441957},{"text":"Is that okay?","start":2784.3,"end":2785.12,"sentiment":"neutral","sentiment_score":0.1371937096118927},{"text":"Yep.","start":2785.9001,"end":2786.4001,"sentiment":"neutral","sentiment_score":0.18959897756576535},{"text":"Beautiful.","start":2787.74,"end":2788.24,"sentiment":"positive","sentiment_score":0.6452021598815918}],"sentiment":"neutral","sentiment_score":0.24722560054876588,"num_words":44,"start":2772.905,"end":2788.24},{"sentences":[{"text":"Beautiful.","start":2789.1,"end":2789.6,"sentiment":"positive","sentiment_score":0.7011580467224121},{"text":"Excellent.","start":2790.62,"end":2791.12,"sentiment":"positive","sentiment_score":0.6296780109405518},{"text":"Yeah.","start":2794.3801,"end":2794.8801,"sentiment":"neutral","sentiment_score":0.0745704174041748},{"text":"Yep.","start":2803.9949,"end":2804.4949,"sentiment":"neutral","sentiment_score":0.0705113559961319},{"text":"Yep.","start":2807.355,"end":2807.855,"sentiment":"neutral","sentiment_score":0.06670867651700974}],"sentiment":"neutral","sentiment_score":0.30852530151605606,"num_words":5,"start":2789.1,"end":2807.855},{"sentences":[{"text":"Yeah.","start":2811.9949,"end":2812.41,"sentiment":"neutral","sentiment_score":0.25807833671569824},{"text":"Yeah.","start":2816.01,"end":2816.51,"sentiment":"neutral","sentiment_score":0.17040666937828064},{"text":"Absolutely.","start":2817.0498,"end":2817.5498,"sentiment":"neutral","sentiment_score":0.16605144739151},{"text":"Yeah.","start":2823.53,"end":2824.03,"sentiment":"neutral","sentiment_score":0.1924673616886139},{"text":"Yes.","start":2824.3298,"end":2824.725,"sentiment":"positive","sentiment_score":0.3365708589553833}],"sentiment":"neutral","sentiment_score":0.22471493482589722,"num_words":5,"start":2811.9949,"end":2824.725},{"sentences":[{"text":"Absolutely.","start":2827.925,"end":2828.425,"sentiment":"neutral","sentiment_score":0.23612824082374573},{"text":"No.","start":2828.5652,"end":2828.725,"sentiment":"neutral","sentiment_score":0.0531729944050312},{"text":"Look.","start":2828.725,"end":2828.885,"sentiment":"neutral","sentiment_score":0.13899420201778412},{"text":"It definitely is.","start":2828.885,"end":2829.8452,"sentiment":"neutral","sentiment_score":0.18019762138525644},{"text":"With what I would be looking at doing first is focusing on the paying down of the debts because, realistically, investment property is great.","start":2829.8452,"end":2836.645,"sentiment":"neutral","sentiment_score":0.2703481037169695}],"sentiment":"neutral","sentiment_score":0.2485747596869866,"num_words":30,"start":2827.925,"end":2836.645},{"sentences":[{"text":"It's a good asset.","start":2836.645,"end":2837.445,"sentiment":"positive","sentiment_score":0.5487811714410782},{"text":"And down the track, you absolutely can.","start":2837.445,"end":2839.365,"sentiment":"neutral","sentiment_score":0.25183080775397165},{"text":"However, they do look at your income and the debts that you have.","start":2839.365,"end":2842.81,"sentiment":"neutral","sentiment_score":0.09390257757443649},{"text":"And the more buy now, pay later options you have, lenders do actually look they're gonna be on those.","start":2842.81,"end":2848.27,"sentiment":"neutral","sentiment_score":0.16506275377775492},{"text":"So if you can pay off those buy now, pay laters, close them down, and then start saving, You'll basically be showing that you've got a savings habit, that you've paid off your debts, so that you've got that you're able to manage money, and that's what lenders are gonna look really positively on.","start":2848.65,"end":2865.865,"sentiment":"positive","sentiment_score":0.36109483600766573}],"sentiment":"neutral","sentiment_score":0.2867421372649596,"num_words":97,"start":2836.645,"end":2865.865},{"sentences":[{"text":"So that is something you can definitely look at down the track.","start":2865.865,"end":2868.69,"sentiment":"positive","sentiment_score":0.45943672706683475},{"text":"We can always just say to a mortgage broker when you are ready and when that time comes.","start":2868.77,"end":2872.95,"sentiment":"neutral","sentiment_score":0.17854462895128462},{"text":"But for now, I would be focusing on you getting your debts paid down, closing off a lot of those buy now, pay laters, and then putting money into savings on a regular basis so you've got a savings habit.","start":2873.49,"end":2883.8298,"sentiment":"positive","sentiment_score":0.38462856840342285},{"text":"And then we go to the mortgage broker and look at what you can borrow, what you can buy, and how we get there.","start":2884.425,"end":2889.5452,"sentiment":"neutral","sentiment_score":0.24218956443170706},{"text":"But doing things one at a time, but knowing that your long term goal is perfect.","start":2889.5452,"end":2893.5452,"sentiment":"positive","sentiment_score":0.3517783135175705}],"sentiment":"neutral","sentiment_score":0.3232108122245832,"num_words":110,"start":2865.865,"end":2893.5452},{"sentences":[{"text":"Does that help?","start":2893.5452,"end":2894.425,"sentiment":"neutral","sentiment_score":0.28406355778376263},{"text":"Does that make sense?","start":2894.425,"end":2895.485,"sentiment":"neutral","sentiment_score":0.14633729867637157},{"text":"Yep.","start":2897.0652,"end":2897.46,"sentiment":"neutral","sentiment_score":0.0382697656750679},{"text":"Perfect.","start":2898.0999,"end":2898.5999,"sentiment":"positive","sentiment_score":0.5096315145492554},{"text":"Perfect.","start":2899.3,"end":2899.8,"sentiment":"positive","sentiment_score":0.5470906496047974}],"sentiment":"neutral","sentiment_score":0.25325317978858947,"num_words":10,"start":2893.5452,"end":2899.8},{"sentences":[{"text":"So goal wise, we're paying down debt.","start":2900.9,"end":2903.06,"sentiment":"positive","sentiment_score":0.34991025924682617},{"text":"So you wanna get an investment property down the track and into the property market there.","start":2903.06,"end":2906.66,"sentiment":"neutral","sentiment_score":0.3009857600554824},{"text":"With your super, we're working on age 65.","start":2906.66,"end":2909.3,"sentiment":"neutral","sentiment_score":0.1725577525794506},{"text":"You wanna look at what to do with the insurance cover.","start":2909.3,"end":2911.7,"sentiment":"neutral","sentiment_score":0.1613692580298944},{"text":"You just wanna be covered for best amount of in life of cover as possible.","start":2911.7,"end":2916.0452,"sentiment":"neutral","sentiment_score":0.18125485479831696}],"sentiment":"neutral","sentiment_score":0.23051737993955612,"num_words":57,"start":2900.9,"end":2916.0452},{"sentences":[{"text":"You don't have any income protection cover or anything there.","start":2916.985,"end":2920.2651,"sentiment":"neutral","sentiment_score":-0.0764803729020059},{"text":"Do you know do you have obviously, you're starting this new job as well.","start":2920.2651,"end":2924.2651,"sentiment":"neutral","sentiment_score":0.018121103988960385},{"text":"But if you were really sick or injured and you were not able to go to work, how do you think you would fund expenses at the moment?","start":2924.2651,"end":2931.71,"sentiment":"neutral","sentiment_score":-0.14354486404252903},{"text":"No.","start":2940.01,"end":2940.49,"sentiment":"neutral","sentiment_score":-0.0852251946926117},{"text":"Correct.","start":2940.49,"end":2940.8901,"sentiment":"neutral","sentiment_score":-0.08074906468391418}],"sentiment":"neutral","sentiment_score":-0.08696923566188801,"num_words":54,"start":2916.985,"end":2940.8901},{"sentences":[{"text":"So we don't have any at the moment, and it does leave a bit of a risk and a gap there.","start":2940.8901,"end":2944.545,"sentiment":"neutral","sentiment_score":-0.22895183165868124},{"text":"If you're not able to go to work in the short term, being as you are single, it does mean with not much in the way of savings and the expenses you have at the moment, it might be hard to live, which means you may have to apply for Centrelink, which can take anywhere from thirteen weeks for approval.","start":2944.545,"end":2958.805,"sentiment":"neutral","sentiment_score":-0.1818369030331572},{"text":"So I can look at maybe some income protection options, have a look at what's out there, what's available, and we'll do the pre assessment.","start":2958.9448,"end":2966.64,"sentiment":"neutral","sentiment_score":0.09456016227602959},{"text":"I'll do some research on some options, and then we can come back and have a really good insurance conversation about what you're after.","start":2966.7,"end":2972.86,"sentiment":"neutral","sentiment_score":0.229604946449399},{"text":"Does that sound okay?","start":2972.86,"end":2974.0,"sentiment":"neutral","sentiment_score":0.17606157436966896}],"sentiment":"neutral","sentiment_score":-0.0532793550571399,"num_words":134,"start":2940.8901,"end":2974.0},{"sentences":[{"text":"Beautiful.","start":2976.4048,"end":2976.9048,"sentiment":"neutral","sentiment_score":0.23529881238937375},{"text":"Yes.","start":2979.765,"end":2980.265,"sentiment":"neutral","sentiment_score":0.031887806951999664},{"text":"Correct.","start":2989.69,"end":2990.19,"sentiment":"neutral","sentiment_score":0.10125426203012466},{"text":"Yep.","start":2992.73,"end":2993.23,"sentiment":"neutral","sentiment_score":0.198725625872612},{"text":"Absolutely.","start":2993.29,"end":2993.79,"sentiment":"neutral","sentiment_score":0.26591598987579346}],"sentiment":"neutral","sentiment_score":0.1666164994239807,"num_words":5,"start":2976.4048,"end":2993.79},{"sentences":[{"text":"And the other type of coverage you don't have here is trauma.","start":2994.33,"end":2997.1501,"sentiment":"neutral","sentiment_score":0.04122439492493868},{"text":"So trauma tends to pay out a lump sum tax free benefit in the event that you are, say, diagnosed with a a very large traumatic condition.","start":2997.21,"end":3004.575,"sentiment":"neutral","sentiment_score":0.02811183559673804},{"text":"Cancer tends to be one of the biggest ones claimable.","start":3004.6348,"end":3007.295,"sentiment":"neutral","sentiment_score":-0.1369683988392353},{"text":"It's also on Parkinson's, other neurological conditions as well.","start":3007.595,"end":3011.375,"sentiment":"neutral","sentiment_score":-0.08192808594968584},{"text":"There's a whole host of things, but trauma has to be paid out of your back pocket.","start":3011.595,"end":3015.4548,"sentiment":"neutral","sentiment_score":-0.09260690102682394}],"sentiment":"neutral","sentiment_score":-0.03236855705579122,"num_words":75,"start":2994.33,"end":3015.4548},{"sentences":[{"text":"Did you wanna look at some trauma to give you a little bit of an extra buffer there at all, or are you kinda not wanting to add to the out of pocket expenses?","start":3015.84,"end":3023.1401,"sentiment":"neutral","sentiment_score":-0.03196687404723728},{"text":"Yep.","start":3025.6,"end":3026.1,"sentiment":"neutral","sentiment_score":-0.1430644690990448},{"text":"Yeah.","start":3035.755,"end":3036.255,"sentiment":"neutral","sentiment_score":-0.05554318055510521},{"text":"Mhmm.","start":3040.2349,"end":3040.7349,"sentiment":"neutral","sentiment_score":-0.07987594604492188},{"text":"Yep.","start":3047.4502,"end":3047.9502,"sentiment":"neutral","sentiment_score":-0.12251105159521104}],"sentiment":"neutral","sentiment_score":-0.03915443065527238,"num_words":38,"start":3015.84,"end":3047.9502},{"sentences":[{"text":"Yep.","start":3051.1301,"end":3051.6301,"sentiment":"neutral","sentiment_score":-0.2005354166030884},{"text":"Yep.","start":3056.33,"end":3056.805,"sentiment":"neutral","sentiment_score":-0.08786977827548981},{"text":"Yep.","start":3063.925,"end":3064.425,"sentiment":"neutral","sentiment_score":-0.0862651914358139},{"text":"Yep.","start":3071.125,"end":3071.55,"sentiment":"neutral","sentiment_score":0.042331814765930176},{"text":"No.","start":3071.87,"end":3072.03,"sentiment":"neutral","sentiment_score":0.07861316949129105}],"sentiment":"neutral","sentiment_score":-0.050745080411434176,"num_words":5,"start":3051.1301,"end":3072.03},{"sentences":[{"text":"That's okay.","start":3072.03,"end":3072.75,"sentiment":"neutral","sentiment_score":0.1728617027401924},{"text":"Not a problem.","start":3072.75,"end":3073.3901,"sentiment":"neutral","sentiment_score":0.28579695026079815},{"text":"When we look at trauma, it can you can sorta cover yourself for whatever amount you feel is comfortable.","start":3073.3901,"end":3079.09,"sentiment":"neutral","sentiment_score":0.20605189157159706},{"text":"Some people wanna look at maybe covering one or two years worth of their net or gross income to give them you that buffer to take maybe a year off or something.","start":3079.6301,"end":3087.5251,"sentiment":"neutral","sentiment_score":0.11597001471091062},{"text":"Do you know what you might be comfortable with me looking at for trauma cover wise?","start":3087.5251,"end":3093.305,"sentiment":"neutral","sentiment_score":-0.03774796472862363}],"sentiment":"neutral","sentiment_score":0.1142385171001984,"num_words":72,"start":3072.03,"end":3093.305},{"sentences":[{"text":"Just one or two years worth of gross or net income?","start":3096.325,"end":3099.18,"sentiment":"neutral","sentiment_score":0.01348388609899716},{"text":"What do you think might be appropriate?","start":3099.18,"end":3100.88,"sentiment":"neutral","sentiment_score":0.025437741141234125},{"text":"One year first?","start":3103.82,"end":3104.78,"sentiment":"neutral","sentiment_score":0.03462748664120833},{"text":"Perfect.","start":3104.78,"end":3105.28,"sentiment":"positive","sentiment_score":0.4162267744541168},{"text":"And with you're right.","start":3105.74,"end":3107.6,"sentiment":"neutral","sentiment_score":0.05993249313905835}],"sentiment":"neutral","sentiment_score":0.041777928538907036,"num_words":26,"start":3096.325,"end":3107.6},{"sentences":[{"text":"Yep.","start":3113.18,"end":3113.505,"sentiment":"neutral","sentiment_score":0.04966573044657707},{"text":"No.","start":3118.1448,"end":3118.545,"sentiment":"neutral","sentiment_score":-0.07159195095300674},{"text":"Correct.","start":3118.545,"end":3119.045,"sentiment":"neutral","sentiment_score":0.014553054235875608},{"text":"Yeah.","start":3120.065,"end":3120.545,"sentiment":"neutral","sentiment_score":0.07556013017892838},{"text":"Correct.","start":3120.545,"end":3121.045,"sentiment":"neutral","sentiment_score":0.12822306156158447}],"sentiment":"neutral","sentiment_score":0.039282005093991754,"num_words":5,"start":3113.18,"end":3121.045},{"sentences":[{"text":"Absolutely.","start":3121.105,"end":3121.605,"sentiment":"neutral","sentiment_score":0.26664453744888306},{"text":"With income protection, they have what's called a waiting period.","start":3122.3848,"end":3125.105,"sentiment":"neutral","sentiment_score":0.11462941765785217},{"text":"Because you are starting your new job there, you are an administration, have been doing a very similar role over the past couple of years.","start":3125.105,"end":3130.99,"sentiment":"neutral","sentiment_score":0.08628365099430084},{"text":"I'll have a look at what the options are available to you.","start":3130.99,"end":3133.81,"sentiment":"neutral","sentiment_score":0.16701660181085268},{"text":"You can be covered for up to 70% of your current income.","start":3134.03,"end":3136.83,"sentiment":"neutral","sentiment_score":0.18483534455299377}],"sentiment":"neutral","sentiment_score":0.12987088908751807,"num_words":60,"start":3121.105,"end":3136.83},{"sentences":[{"text":"Given that you are single, that you don't have a lot of savings behind you, you want me to look at the highest of 70% of cover.","start":3136.83,"end":3143.475,"sentiment":"neutral","sentiment_score":0.13391060630480447},{"text":"Is that right?","start":3143.475,"end":3144.215,"sentiment":"neutral","sentiment_score":0.1349496841430664},{"text":"Yep.","start":3145.395,"end":3145.7952,"sentiment":"neutral","sentiment_score":0.23425519466400144},{"text":"Beautiful.","start":3145.7952,"end":3146.195,"sentiment":"positive","sentiment_score":0.5639635920524597},{"text":"And with income protection, I have a waiting period.","start":3146.195,"end":3148.595,"sentiment":"neutral","sentiment_score":0.2302981283929613}],"sentiment":"neutral","sentiment_score":0.16808139914419593,"num_words":41,"start":3136.83,"end":3148.595},{"sentences":[{"text":"The lowest is about four weeks when we're paying for inside super.","start":3148.595,"end":3152.215,"sentiment":"neutral","sentiment_score":0.14503012225031853},{"text":"You're comfortable with me looking at the lowest waiting period so you don't have to wait as long to claim?","start":3153.02,"end":3157.76,"sentiment":"neutral","sentiment_score":0.19512622356414794},{"text":"Yep.","start":3159.26,"end":3159.58,"sentiment":"neutral","sentiment_score":0.08091099560260773},{"text":"And with the benefit period, this is how long you can be on an income protection claim for.","start":3159.58,"end":3164.38,"sentiment":"neutral","sentiment_score":0.08565046141544978},{"text":"They start at two years, can be five years, or up to age 65.","start":3164.38,"end":3168.16,"sentiment":"neutral","sentiment_score":0.05974326069865908}],"sentiment":"neutral","sentiment_score":0.12464478290998018,"num_words":65,"start":3148.595,"end":3168.16},{"sentences":[{"text":"The longer the benefit period, the more expensive the insurance is gonna be, but the more cover you have as well.","start":3168.465,"end":3174.405,"sentiment":"neutral","sentiment_score":0.04101351843703361},{"text":"Do you think you would only wanna be off for two years or should only be off for two years, or do you want me to look at something like five years to see what the cost might be and the effect on your super?","start":3174.5452,"end":3184.16,"sentiment":"neutral","sentiment_score":-0.03594785448577669},{"text":"Yep.","start":3186.78,"end":3187.28,"sentiment":"neutral","sentiment_score":0.029589151963591576},{"text":"Yeah.","start":3190.54,"end":3190.94,"sentiment":"neutral","sentiment_score":0.1380800902843475},{"text":"Absolutely.","start":3190.94,"end":3191.44,"sentiment":"neutral","sentiment_score":0.25312340259552}],"sentiment":"neutral","sentiment_score":-0.004863433620851973,"num_words":69,"start":3168.465,"end":3191.44},{"sentences":[{"text":"I can have a look at those options.","start":3191.5,"end":3193.04,"sentiment":"neutral","sentiment_score":0.18687300756573677},{"text":"So what I'll do in yeah.","start":3193.18,"end":3195.195,"sentiment":"neutral","sentiment_score":0.01972089024881522},{"text":"Sorry.","start":3195.355,"end":3195.855,"sentiment":"neutral","sentiment_score":-0.08904729783535004},{"text":"It can.","start":3197.5151,"end":3198.2551,"sentiment":"neutral","sentiment_score":0.15994086861610413},{"text":"Yeah.","start":3198.635,"end":3199.0352,"sentiment":"neutral","sentiment_score":0.145721435546875}],"sentiment":"neutral","sentiment_score":0.11054807094236214,"num_words":18,"start":3191.5,"end":3199.0352},{"sentences":[{"text":"So with income protection, the same as life and TPD, you can have it structured so it's inside super, so you're limiting your premiums coming out of your back pocket.","start":3199.0352,"end":3207.7751,"sentiment":"neutral","sentiment_score":0.2289644221464793},{"text":"You're comfortable with me doing that.","start":3208.7798,"end":3210.5398,"sentiment":"positive","sentiment_score":0.5039147734642029},{"text":"You're happy to have the income protection inside super?","start":3210.5398,"end":3213.2,"sentiment":"positive","sentiment_score":0.5367773572603861},{"text":"Yep.","start":3214.6199,"end":3215.0198,"sentiment":"neutral","sentiment_score":0.2536470890045166},{"text":"Beautiful.","start":3215.0198,"end":3215.5198,"sentiment":"positive","sentiment_score":0.5444561243057251}],"sentiment":"neutral","sentiment_score":0.33024512199645345,"num_words":47,"start":3199.0352,"end":3215.5198},{"sentences":[{"text":"Not a problem.","start":3215.5798,"end":3216.48,"sentiment":"neutral","sentiment_score":0.30127571026484173},{"text":"With the draw you're right.","start":3216.8599,"end":3218.22,"sentiment":"neutral","sentiment_score":0.03323049172759056},{"text":"Sorry.","start":3218.22,"end":3218.72,"sentiment":"neutral","sentiment_score":0.011544020846486092},{"text":"Yep.","start":3220.7798,"end":3221.115,"sentiment":"neutral","sentiment_score":0.05551467090845108},{"text":"Yep.","start":3235.195,"end":3235.435,"sentiment":"neutral","sentiment_score":0.00775123480707407}],"sentiment":"neutral","sentiment_score":0.1040717741813172,"num_words":11,"start":3215.5798,"end":3235.435},{"sentences":[{"text":"Yep.","start":3235.435,"end":3235.935,"sentiment":"neutral","sentiment_score":0.01591729372739792},{"text":"That's okay.","start":3236.49,"end":3237.15,"sentiment":"neutral","sentiment_score":0.09296783059835434},{"text":"I'll have a look at all the options.","start":3237.21,"end":3238.75,"sentiment":"neutral","sentiment_score":-0.00417236378416419},{"text":"Yeah.","start":3239.21,"end":3239.61,"sentiment":"neutral","sentiment_score":0.10756553709506989},{"text":"I'll I'll do the research and have a look at the options.","start":3239.61,"end":3241.77,"sentiment":"neutral","sentiment_score":0.15537614623705545}],"sentiment":"neutral","sentiment_score":0.08918972235793869,"num_words":24,"start":3235.435,"end":3241.77},{"sentences":[{"text":"We've got some things to do, and I definitely wanna have another conversation with you.","start":3241.77,"end":3245.47,"sentiment":"neutral","sentiment_score":0.24245432118574778},{"text":"So I've booked in your pre assessment with the admin team next Friday.","start":3245.85,"end":3249.6301,"sentiment":"neutral","sentiment_score":0.14972030657988328},{"text":"I'll get them to give you a call at 01:00 Queensland time and go through that with you.","start":3249.825,"end":3253.845,"sentiment":"neutral","sentiment_score":0.16014486799637476},{"text":"I've added a text message reminder, so it sends you a text message about an hour prior to let you know that they are calling so we can go through that.","start":3254.385,"end":3261.685,"sentiment":"neutral","sentiment_score":0.14459887146949768},{"text":"Once I've got that, I can go through and do the research.","start":3261.825,"end":3264.325,"sentiment":"neutral","sentiment_score":0.1488104679932197}],"sentiment":"neutral","sentiment_score":0.16555142762620798,"num_words":89,"start":3241.77,"end":3264.325},{"sentences":[{"text":"And then once I've got the research, I'll come back.","start":3264.53,"end":3266.69,"sentiment":"neutral","sentiment_score":0.13092776089906694},{"text":"You and I can talk about the research I've done, what's available, the expected cost, and how you feel about it.","start":3266.69,"end":3272.45,"sentiment":"neutral","sentiment_score":0.21204005962326414},{"text":"And then we can knock down your goal for insurances and work out how to move forward for you, and I can do super insurances as a nice big updated advice document for you.","start":3272.45,"end":3281.495,"sentiment":"neutral","sentiment_score":0.30650166948052016},{"text":"Does that sound okay?","start":3281.495,"end":3282.635,"sentiment":"neutral","sentiment_score":0.16972561180591583},{"text":"Yep.","start":3284.135,"end":3284.635,"sentiment":"neutral","sentiment_score":0.19819140434265137}],"sentiment":"neutral","sentiment_score":0.24371813535690307,"num_words":70,"start":3264.53,"end":3284.635},{"sentences":[{"text":"Perfect.","start":3285.2551,"end":3285.7551,"sentiment":"positive","sentiment_score":0.47780290246009827},{"text":"All good.","start":3285.8152,"end":3286.375,"sentiment":"positive","sentiment_score":0.45026855170726776},{"text":"Look, Brenda, I will let you go.","start":3286.375,"end":3288.235,"sentiment":"positive","sentiment_score":0.37717482447624207},{"text":"I appreciate your time today.","start":3288.455,"end":3289.895,"sentiment":"positive","sentiment_score":0.6092028737068176},{"text":"I've got everything I need for the moment.","start":3289.895,"end":3291.495,"sentiment":"positive","sentiment_score":0.40228456258773804}],"sentiment":"positive","sentiment_score":0.447080636801927,"num_words":23,"start":3285.2551,"end":3291.495},{"sentences":[{"text":"I've booked in the pre assessment.","start":3291.495,"end":3292.7751,"sentiment":"neutral","sentiment_score":0.2576109940807025},{"text":"Once we get that, we can move on to the next stage.","start":3292.7751,"end":3294.8699,"sentiment":"neutral","sentiment_score":0.2666695825755596},{"text":"Is that okay?","start":3294.8699,"end":3295.8499,"sentiment":"neutral","sentiment_score":0.15790043026208878},{"text":"You're happy moving forward that way?","start":3296.3098,"end":3298.8298,"sentiment":"positive","sentiment_score":0.7238780558109283},{"text":"You're beautiful.","start":3299.23,"end":3301.5298,"sentiment":"positive","sentiment_score":0.7228720486164093}],"sentiment":"positive","sentiment_score":0.37960050614743396,"num_words":29,"start":3291.495,"end":3301.5298},{"sentences":[{"text":"Yep.","start":3309.1099,"end":3309.495,"sentiment":"neutral","sentiment_score":0.19594988226890564},{"text":"Yep.","start":3311.415,"end":3311.915,"sentiment":"neutral","sentiment_score":0.1620609611272812},{"text":"Yep.","start":3317.495,"end":3317.995,"sentiment":"neutral","sentiment_score":0.1828894317150116},{"text":"Yeah.","start":3322.7751,"end":3323.2751,"sentiment":"neutral","sentiment_score":0.11497248709201811},{"text":"No.","start":3323.495,"end":3323.8152,"sentiment":"neutral","sentiment_score":0.030686307698488235}],"sentiment":"neutral","sentiment_score":0.13731181398034095,"num_words":5,"start":3309.1099,"end":3323.8152},{"sentences":[{"text":"Perfect.","start":3323.8152,"end":3324.3152,"sentiment":"positive","sentiment_score":0.35139110684394836},{"text":"All good.","start":3325.25,"end":3325.99,"sentiment":"positive","sentiment_score":0.36875155568122864},{"text":"Yep.","start":3327.41,"end":3327.91,"sentiment":"neutral","sentiment_score":0.25741860270500183},{"text":"Not a problem at all.","start":3327.97,"end":3329.17,"sentiment":"positive","sentiment_score":0.40019662380218507},{"text":"Not a worry.","start":3329.17,"end":3329.81,"sentiment":"positive","sentiment_score":0.39160024126370746}],"sentiment":"positive","sentiment_score":0.37684138864278793,"num_words":12,"start":3323.8152,"end":3329.81},{"sentences":[{"text":"Well, good luck with your job next week.","start":3329.81,"end":3331.3298,"sentiment":"positive","sentiment_score":0.6690012812614441},{"text":"I'll talk to you very soon, and let's get this show on the road.","start":3331.3298,"end":3334.13,"sentiment":"positive","sentiment_score":0.5588245583432061},{"text":"We'll get things moving and update the advice for you and help you along the way.","start":3334.13,"end":3337.49,"sentiment":"positive","sentiment_score":0.5748981833457947},{"text":"Okay?","start":3337.49,"end":3337.99,"sentiment":"neutral","sentiment_score":0.24699021875858307},{"text":"No.","start":3340.415,"end":3340.915,"sentiment":"neutral","sentiment_score":0.023395653814077377}],"sentiment":"positive","sentiment_score":0.5661077718250453,"num_words":40,"start":3329.81,"end":3340.915},{"sentences":[{"text":"That's okay.","start":3341.135,"end":3342.0151,"sentiment":"neutral","sentiment_score":0.1401464268565178},{"text":"Enjoy the rest of your enjoy the rest of your week off.","start":3342.0151,"end":3345.155,"sentiment":"positive","sentiment_score":0.5958776921033859},{"text":"My pleasure.","start":3347.135,"end":3347.875,"sentiment":"positive","sentiment_score":0.4252370148897171},{"text":"Thank you.","start":3349.135,"end":3349.695,"sentiment":"positive","sentiment_score":0.5934138298034668},{"text":"See you, Brenda.","start":3349.695,"end":3350.575,"sentiment":"positive","sentiment_score":0.4602556626001994}],"sentiment":"positive","sentiment_score":0.516613992197173,"num_words":21,"start":3341.135,"end":3350.575},{"sentences":[{"text":"Bye.","start":3350.575,"end":3351.075,"sentiment":"neutral","sentiment_score":0.26261985301971436}],"sentiment":"neutral","sentiment_score":0.26261985301971436,"num_words":1,"start":3350.575,"end":3351.075}]}}]},{"alternatives":[{"transcript":"Good morning. Yeah. Good. How are you doing? Yeah. No. It's perfect. Thank you. Yeah. Good. I've got a week off this week, and it's just yeah. Thought I'd be able to have a relaxing week, but still doing the work runs for the kids. Yep. Brenda Lee Kelly. May 22. Unit 3103 Kringle Court oh, sorry. 4 Kringle Court, Sunny Bay, Northern Territory. Yep. Yeah. So you recall last year that I had two jobs? Yeah. Yeah. So the second job offered me a permanent role and more money. So I've now resigned from Northern Territory government, and I start my new job on Monday with the second job as a permanent position. So, yeah, so I'm running down to one income now, but it's not it's not a lot of money more than NTG. But, yeah, I've given up the second job as well because I just it's tiring up. So I'm just gonna focus on this one job now. Still with Dentia? Yep. And so I've got some Australian Super and Hub twenty four as my three super funds. I need to sort them out as well this year. No. Different work. So it's kind of similar to it's got a retention leader for First Nations people. It keeps them in employment. So it's different from what I was doing, but it's kinda like in the supporting role that I was doing with NTG as well. Yeah. 110,000. So with the NTG, I was earning 92,000 per annum. But with this new route, it's 110 to add to and then I was thinking, what's the what was it? 97, I think. You know, when super and all that stuff is taken out. So I'm not Yeah. I'll just get it up for you. I'm just having a look at the contract now. Yeah. So a lot's been done because I have to transfer everything over that I had there before. Like, everything was all set to government. So it's been a long couple of weeks of transferring stuff over, hand over, all of that good stuff that you do in your phone job. So cash salary, 90 $8,214.29 per annum. Superannuation, $11,785.71 per annum, 1212% of ordinary time earning, and the total fixed renew renumeration is a 110,000 per annum. Yeah. Yeah. Yeah. I have I've just I've got my car through the salary sacrifice. So I have to I'm transferring that over now to the new employer. And just, yeah, just checking to make sure today that start that process because I've been told to take work off the payroll the other day, and I'm just waiting for SG Fleet to see if they've approved it all to see if they can transfer it over. Otherwise, I've already insured the car and everything can deductions for myself to pay it manually. Yeah. Yeah. I was doing it. I think it was Australian Super. I was just putting the extra $50 in there, but I'll now that's now that's gonna be canceled. So I think once because I'm I won't be getting I'll be getting paid monthly with the new employer. So once I once I get my head around that what I was just gonna do, I was just gonna leave all my money in my account, like, you know, my normally fortnightly bills, but make it as a monthly thing. And I'll just leave it like that and then take whatever's available, I suppose. But, yeah, the bills are the same, I suppose. Bills are the same. Yeah. And that's, you know, that's a lot of the issue that I had last year. You know, like, I if I see the money in there, you know, when I was trying to make that savings account and everything, I would, you know, I would spend it, but that's that's the whole reason I've got a GoldSaver, my I think it was my direct debit, and I've got another one just so I transferred money to between accounts. But, yeah, if I didn't see it, it's even better, like, you know, the disabled account. So this is what when all this starts rolling out with this new job and the new pay, I wanna sort all that because it's to have that savings account that I don't can't touch. Do a gold saver, like, a thousand dollars to start off with or what else? Because I get my payout. I'm not sure when I get my payout from my resignation. That's another two weeks, they said, you know, once that happens. So then at the moment, I'm just living day to day, really, but I wanna I don't wanna be like this anymore. Yeah. No. That sounds perfect. That's just yeah. But right now, because after Christmas, everything's just on did you want me to sign up on this this form here? Did you? Did you want me to sign up? Yep. Yep. I'm just having a look at it. Yep. Yep. Yep. No. Is that is that from Jacob? No. I don't see anything there. Well, I've only just put well, at the moment, it's just it's just a plan at the moment, so I've gotta sort that out as well. So I haven't transferred, like, you know, delegate allocated that to Hub twenty four years. So that's another little thing I've gotta do, actually. Yeah. Well, I've been there for a long time with these mob now, so I don't know. Like, I've just been paying it because I don't trust that my kids would have their own plans, which they probably wouldn't, but I don't wanna attempt anything really. Yep. $29.61, and the other one is $47.14. Yeah. So one's funeral, one's wife. I think we were 15,000. I'm not sure. Each I'm just gonna go through back I just saved another day because when I had to go and renew, but I have to probably increase it all for all of us again because I just attended a funeral, and they they they're paying 20,000 for the funeral and the slot and everything. So I was like, well, I probably need to increase my plan. I'm not sure. I'm honestly not sure what happens there. Yeah. Because I've got what the hell is that? Yeah. This one here. I've just yeah. Because I downloaded them all the other day. I'm just looking at one. I think it's the life cover. What's that mean? Benefit, 167,000. I don't get it. That's the $29.61 per fortnight. That's the life cover. And then you got the funeral. That funeral that life on the house. 41 70 47404714, and all my kids are insured for $11,222. That's kind of crap, but yeah. Yep. Well, I've got the two documents here, the two statements that the policy schedules. I don't know. But because I have I've got them saved on my computer over here, but you've got access to them as well? Or Yeah. Because it's just you know, like, I've got I've been with insurance line watch it since 2011. Yep. I've had this in cover, you know. And I've been just paying it, you know, like, normal and it's about $70 a fortnight. So I'm just I don't know if I should revisit it visit it and increase it to 15,000 for the funeral plan and I don't know. But it's just gonna work out within my budget as well now. So because I'm not working two jobs. I'm back to one job. I've insured my car. I've got health insurance too now. So just a lot of stuff that I don't need enough. I should get health insurance, but because of the dental work that I just recently had. Yes. A lot of stuff is I want to actually knock down right this year, like, starting right now and and, you know, set up these savings accounts and be financially stable. Yes, please. Yeah. Well, like I said, I went to that funeral just no longer, and that was 20,000. And that was just a little service at the at the the funeral place, and then they went to the they went to the ground, you know, and then they had the wake and, you know, like, all this they reckon it cost about $20, and I'm like, what? That's all. And it's just, you know, like, it was all over and done with within a freaking couple of hours, but I don't know. I don't know what because I know, like, my kids will probably all they will work, and they had to have cover with their their, you know, their superannuation. I don't know. I just don't know. Yes, please. Funeral, step, and then the rest of my kids. Yeah. They're roughly the same because I just had my tooth out, and I put that on Afterpay, and that cost a thousand bucks. It's like, oh my god. Stupid tooth. Yeah. And, you know, because I don't yeah. Because I didn't have I don't have health insurance either. So a lot of stuff, kind of like my last Afterpay will be finished on the March 13. Yeah. Yeah. Because remember you sent me that budget through? I tried to have a look at it all, but I just didn't understand what it meant. So because I've still got it here. Yes. Yep. Yep. Yep. Exactly. I just wanted to put I just wanna put in a, like, practice all. Because it's just like after, you know, Christmas time, just took everything. And I'm and I just started paying all that Christmas stuff off now, and then come around the corner for this other stuff from the dentist and just my chemist warehouse stuff that I always go and get, but just all these other little bitsy bitsy things. I just got got a bit carried away, and now I'm paying for it. Credit cards. What credit card? I've got Afterpay, Nimble, MyWayForward, Push, my tax debt that I pay as well every fortnight, that's 3 3,000 something. And now that I've just got the health insurance and Budget Direct as well, so when I looked at my bills for this fortnight, $3,645 it came to you, and I don't even know where I'm gonna get that from right now because it's like, I know I can pay the other bills. I just can't pay that bill. So I'm done. Drop Peter to pay Paul again. Just this yeah. You might as well say 3,645. So that's a fortnightly thing. Let me just have a look at this here. I can 3. Yeah. It would be roughly about $3. Yeah. I bet my when I looked at my overall debt, I think it's about 20 30 twenty twenty five, 30 grams. That's it. Maybe 10. Mhmm. Yeah. Because I think I've got yeah. Because, you know, even if I bought my car, because that's on the salary sacrifice, I've only got two more years to go on that. The residual is about 15,000 to pay out as well. So I've only got two more years on that lease. Yep. They're they're all working, but, you know, like, this extra money, I don't know, it helps them out. Yep. Yeah. That's enough for them. That's enough. Like, you know, that's just mama's mom's little thing that I can do for them, but that's all that that's all I can give them, really. That's alright. I'm just trying to write this email to my bank here because they're taking because you remember how I was well, I was working two jobs while I was asking them because last financial year, I end up getting a tax bill for 3,000 because I wasn't paying the extra money on top of my super to cover it, you know, when they do that kind of stuff. So that was yeah. That's been taken, like, nearly 600 out for my tax tax as well just so I don't get billed this one or two here. Yeah. So I've been paying more than I should be. So I was just doing an email from my payroll to stop it. Stop the contributions of extra funds now that I've only got one job. Yeah. Yes. So I'll just yeah. Because it I'm just writing how to write it, though. That's that's the only thing. Can you please adjust this to the correct monthly? I don't know what to say. Tax deductions. Is it tax deductions? Tax correct tax rate. Yeah. Tax rate. Yes. Because I only have one job. I'm Yeah. Yeah. But I I might pay because I've got three well, I've got those two. You know, I've got Hub and I've got Australian Super. Would it be beneficial to have both of them? Like or is it just I don't know. I don't know because I'm paying fees. And I I didn't know I was keeping keeping Australian Superforce stating it just in case anything goes wrong with my hub 20 four. So, you know, like I don't know. Yes, please. Because I know that a while back, you were looking at another insurance company for me that would be cheaper that would be cheaper as well. But, you know, like, what does it mean for the one that I've already had? You know, like, I've been with insurance line since 2011. What does that mean? Okay. Yeah. Because we have we have '24. What's the insurance like there? Like, is my balance yeah. Yeah. Yeah. That sounds great. And because I was thinking oh, what was that? I just had a brain, but I thought what was it in my insurance line. Because you know how well, well, I went on to compare the market and compare so I compare health, compare but, you know, my car insurance, all that. Is there something like that you can do where you compare life insurance, funeral insurance, and what will be more suitable to my, you know, to my fortnightly wage or monthly wage that I can afford. You know, like, I don't know. I've got all these funds that I'm paying money here and there. Which one? What do I do? What do I do? Because I've got, you know, Australian Super. I've got that 160,000 life insurance there, and I've got I don't know what I've got with HUB24, and then I've got this other insurance with insurance line as well. So I've got okay. Well, I start my new job as Monday, so probably busy at the beginning of the week. So let's probably make it Friday at the end of the week, I reckon. No. Good afternoon will be fine. Yep. That's perfect. Yep. Sounds perfect. Yep. Probably 65, I reckon. Yeah. About six yeah. About 65. But, you know, like, if I make some good money, I'll I'll retire early. I don't wanna be working working for some of my life. Yeah. And I don't wanna do that either. I don't wanna pay that. 1 in a million. You can't even know that stupid thing. Yeah. Exactly. Yep. No. I'll be upset because it's like, what do I do? You know, like, what are you doing? Like, are you just watching the market for me? Like, you know, I don't want to see a big breakdown, like, my my super decreases from $9.06 to 70. You know, like, I don't know what's gonna happen with that part. But, yeah, I'd be very bummed out if I see a lot of a big drop because as I've moved over to Hub 24, I've seen it grow. You know? So that's the whole reason that I wanna actually retire with money. But, yeah, it's okay. It's just what you guys can make sure that all the right choices and what that, you know, investments are being done right for my for my yeah. No. Just Just the one that you first said before that before that. Yeah. Yes. Yes. Probably down the track right now because I know that with my Australian Supernova that I finished with NTG, my that salary sacrifice stuff will stop with them because I was contributing $50. I I don't know. I was with $20 or $50, but I was contributing out of that. So that will stop now. But yeah. No. I would definitely like to contribute a little bit more out of my my Yep. Yeah. No. It's working in probably in the next month or so because I I don't I don't even know how this is all gonna work. I'm just I know that all my account all my money in one account that covers the bills and whatever left over, I can put in another account. That's what I have to live off. 40. Yeah. Monthly. Yep. Yep. Yes, please. No. But that's what I wanna get done to this year. Yep. Yep. Yep. That sounds right. Yep. That sounds right. And, you know, the, you know, the situation I'm in now, we've got bills and what was I gonna say? Investment in property? Like, is that is that gonna be an option down the track? Like because, you know, I live in I live in I live in these flats right now, and I would love to buy one of these just as an investment property. And just, you know, because they they they go just like that, and the rent the rent that they charge, the one that I'm paying now, like, you know, it's it's a bloody good investment. Yeah. Yeah. No. That's definitely yep. Yeah. And that's another thing that I wanted to bring up too, that income protection. So none of my superannuation covers any of that? Yes, please. Because I've seen a lot of that come up lately, and I just you know, single mom. Well, act yeah. My daughter's moved out now, so it's just me. But I always make sure that if I've come down with anything that I can't work, I need to be protected, that I can still have some for a year to cover my daily bills. Not cover it too. Because I know I because when I was working on the front line, I was taking on a lot of stress. And even now that I'm taking on this next role, it's gonna be working, you know, with a lot of our First Nations people. You know, like and I've come from a different background than a lot of other you know, a lot of we all come from different background grounds, you know, all our first nation pop. And it does bring a lot of trauma as well, you know, and I I know what I'm going into that I'm gonna be you know, it's gonna be a whole lot of kettle and fish that cultural wise, everything. So that might bring some stuff as well, but, you know, depression or mental health issues or something like that, you know, so I wanna be prepared for anything that's uncovered. Yeah. Yep. Let's start off with one year first. Yeah. Because I I don't even know. Like, once I work out the bills and, you know, then I can actually come up with a more better plan of how what what goes in because I don't be paying everything to insurances and everything, and then I'm gonna have money. Yep. Yep. Are you gonna do two and five just to see what yeah. Which one that I can afford that comes into my budget? Does that money come does that money come out about about my superannuation, like insurance? Yeah. Yes. I've got yeah. Because I've got the three the three supers. So yeah. Like, Australian Super yeah. Because I've got a 167 there. The hub 24 doesn't do the insurance part of it. Plumb, like, can I just roll plumbing to Australian Super instead of having all this I don't know? You know, like, whatever. Yep. It took too many. Yep. Yep. Sounds right. Yes, please. Sounds sounds good, Shana. And I'm just I'm just I've got these things that I have to do in the next couple of weeks, but, hopefully, my parents can help me with that because of the home and see family. Yeah. And, hopefully, get rid of some debt with my payout as well. And then I can just focus on all this stuff and get start getting rid of it all. But, yeah, if you can touch base in the next couple of weeks, that'll be great. Yep. Sounds good, Dana. Thank you. Thank you for your call. Whatever. Yep. Thank you. Alright. You go. You for me too. Okay. 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morning. Yeah. Good. How are you doing? Yeah.\n\nNo. It's perfect. Thank you. Yeah. Good.\n\nI've got a week off this week, and it's just yeah. Thought I'd be able to have a relaxing week, but still doing the work runs for the kids. Yep. Brenda Lee Kelly. May 22.\n\nUnit 3103 Kringle Court oh, sorry. 4 Kringle Court, Sunny Bay, Northern Territory. Yep. Yeah. So you recall last year that I had two jobs?\n\nYeah. Yeah. So the second job offered me a permanent role and more money. So I've now resigned from Northern Territory government, and I start my new job on Monday with the second job as a permanent position. So, yeah, so I'm running down to one income now, but it's not it's not a lot of money more than NTG.\n\nBut, yeah, I've given up the second job as well because I just it's tiring up. So I'm just gonna focus on this one job now. Still with Dentia? Yep. And so I've got some Australian Super and Hub twenty four as my three super funds.\n\nI need to sort them out as well this year. No. Different work. So it's kind of similar to it's got a retention leader for First Nations people. It keeps them in employment.\n\nSo it's different from what I was doing, but it's kinda like in the supporting role that I was doing with NTG as well. Yeah. 110,000. So with the NTG, I was earning 92,000 per annum. But with this new route, it's 110 to add to and then I was thinking, what's the what was it?\n\n97, I think. You know, when super and all that stuff is taken out. So I'm not Yeah. I'll just get it up for you. I'm just having a look at the contract now.\n\nYeah. So a lot's been done because I have to transfer everything over that I had there before. Like, everything was all set to government. So it's been a long couple of weeks of transferring stuff over, hand over, all of that good stuff that you do in your phone job. So cash salary, 90 $8,214.29 per annum.\n\nSuperannuation, $11,785.71 per annum, 1212% of ordinary time earning, and the total fixed renew renumeration is a 110,000 per annum. Yeah. Yeah. Yeah. I have I've just I've got my car through the salary sacrifice.\n\nSo I have to I'm transferring that over now to the new employer. And just, yeah, just checking to make sure today that start that process because I've been told to take work off the payroll the other day, and I'm just waiting for SG Fleet to see if they've approved it all to see if they can transfer it over. Otherwise, I've already insured the car and everything can deductions for myself to pay it manually. Yeah. Yeah.\n\nI was doing it. I think it was Australian Super. I was just putting the extra $50 in there, but I'll now that's now that's gonna be canceled. So I think once because I'm I won't be getting I'll be getting paid monthly with the new employer. So once I once I get my head around that what I was just gonna do, I was just gonna leave all my money in my account, like, you know, my normally fortnightly bills, but make it as a monthly thing.\n\nAnd I'll just leave it like that and then take whatever's available, I suppose. But, yeah, the bills are the same, I suppose. Bills are the same. Yeah. And that's, you know, that's a lot of the issue that I had last year.\n\nYou know, like, I if I see the money in there, you know, when I was trying to make that savings account and everything, I would, you know, I would spend it, but that's that's the whole reason I've got a GoldSaver, my I think it was my direct debit, and I've got another one just so I transferred money to between accounts. But, yeah, if I didn't see it, it's even better, like, you know, the disabled account. So this is what when all this starts rolling out with this new job and the new pay, I wanna sort all that because it's to have that savings account that I don't can't touch. Do a gold saver, like, a thousand dollars to start off with or what else? Because I get my payout.\n\nI'm not sure when I get my payout from my resignation. That's another two weeks, they said, you know, once that happens. So then at the moment, I'm just living day to day, really, but I wanna I don't wanna be like this anymore. Yeah. No.\n\nThat sounds perfect. That's just yeah. But right now, because after Christmas, everything's just on did you want me to sign up on this this form here? Did you? Did you want me to sign up?\n\nYep. Yep. I'm just having a look at it. Yep. Yep.\n\nYep. No. Is that is that from Jacob? No. I don't see anything there.\n\nWell, I've only just put well, at the moment, it's just it's just a plan at the moment, so I've gotta sort that out as well. So I haven't transferred, like, you know, delegate allocated that to Hub twenty four years. So that's another little thing I've gotta do, actually. Yeah. Well, I've been there for a long time with these mob now, so I don't know.\n\nLike, I've just been paying it because I don't trust that my kids would have their own plans, which they probably wouldn't, but I don't wanna attempt anything really. Yep. $29.61, and the other one is $47.14. Yeah. So one's funeral, one's wife.\n\nI think we were 15,000. I'm not sure. Each I'm just gonna go through back I just saved another day because when I had to go and renew, but I have to probably increase it all for all of us again because I just attended a funeral, and they they they're paying 20,000 for the funeral and the slot and everything. So I was like, well, I probably need to increase my plan. I'm not sure.\n\nI'm honestly not sure what happens there. Yeah. Because I've got what the hell is that? Yeah. This one here.\n\nI've just yeah. Because I downloaded them all the other day. I'm just looking at one. I think it's the life cover. What's that mean?\n\nBenefit, 167,000. I don't get it. That's the $29.61 per fortnight. That's the life cover. And then you got the funeral.\n\nThat funeral that life on the house. 41 70 47404714, and all my kids are insured for $11,222. That's kind of crap, but yeah. Yep. Well, I've got the two documents here, the two statements that the policy schedules.\n\nI don't know. But because I have I've got them saved on my computer over here, but you've got access to them as well? Or Yeah. Because it's just you know, like, I've got I've been with insurance line watch it since 2011. Yep.\n\nI've had this in cover, you know. And I've been just paying it, you know, like, normal and it's about $70 a fortnight. So I'm just I don't know if I should revisit it visit it and increase it to 15,000 for the funeral plan and I don't know. But it's just gonna work out within my budget as well now. So because I'm not working two jobs.\n\nI'm back to one job. I've insured my car. I've got health insurance too now. So just a lot of stuff that I don't need enough. I should get health insurance, but because of the dental work that I just recently had.\n\nYes. A lot of stuff is I want to actually knock down right this year, like, starting right now and and, you know, set up these savings accounts and be financially stable. Yes, please. Yeah. Well, like I said, I went to that funeral just no longer, and that was 20,000.\n\nAnd that was just a little service at the at the the funeral place, and then they went to the they went to the ground, you know, and then they had the wake and, you know, like, all this they reckon it cost about $20, and I'm like, what? That's all. And it's just, you know, like, it was all over and done with within a freaking couple of hours, but I don't know. I don't know what because I know, like, my kids will probably all they will work, and they had to have cover with their their, you know, their superannuation. I don't know.\n\nI just don't know. Yes, please. Funeral, step, and then the rest of my kids. Yeah. They're roughly the same because I just had my tooth out, and I put that on Afterpay, and that cost a thousand bucks.\n\nIt's like, oh my god. Stupid tooth. Yeah. And, you know, because I don't yeah. Because I didn't have I don't have health insurance either.\n\nSo a lot of stuff, kind of like my last Afterpay will be finished on the March 13. Yeah. Yeah. Because remember you sent me that budget through? I tried to have a look at it all, but I just didn't understand what it meant.\n\nSo because I've still got it here. Yes. Yep. Yep. Yep.\n\nExactly. I just wanted to put I just wanna put in a, like, practice all. Because it's just like after, you know, Christmas time, just took everything. And I'm and I just started paying all that Christmas stuff off now, and then come around the corner for this other stuff from the dentist and just my chemist warehouse stuff that I always go and get, but just all these other little bitsy bitsy things. I just got got a bit carried away, and now I'm paying for it.\n\nCredit cards. What credit card? I've got Afterpay, Nimble, MyWayForward, Push, my tax debt that I pay as well every fortnight, that's 3 3,000 something. And now that I've just got the health insurance and Budget Direct as well, so when I looked at my bills for this fortnight, $3,645 it came to you, and I don't even know where I'm gonna get that from right now because it's like, I know I can pay the other bills. I just can't pay that bill.\n\nSo I'm done. Drop Peter to pay Paul again. Just this yeah. You might as well say 3,645. So that's a fortnightly thing.\n\nLet me just have a look at this here. I can 3. Yeah. It would be roughly about $3. Yeah.\n\nI bet my when I looked at my overall debt, I think it's about 20 30 twenty twenty five, 30 grams. That's it. Maybe 10. Mhmm. Yeah.\n\nBecause I think I've got yeah. Because, you know, even if I bought my car, because that's on the salary sacrifice, I've only got two more years to go on that. The residual is about 15,000 to pay out as well. So I've only got two more years on that lease. Yep.\n\nThey're they're all working, but, you know, like, this extra money, I don't know, it helps them out. Yep. Yeah. That's enough for them. That's enough.\n\nLike, you know, that's just mama's mom's little thing that I can do for them, but that's all that that's all I can give them, really. That's alright. I'm just trying to write this email to my bank here because they're taking because you remember how I was well, I was working two jobs while I was asking them because last financial year, I end up getting a tax bill for 3,000 because I wasn't paying the extra money on top of my super to cover it, you know, when they do that kind of stuff. So that was yeah. That's been taken, like, nearly 600 out for my tax tax as well just so I don't get billed this one or two here.\n\nYeah. So I've been paying more than I should be. So I was just doing an email from my payroll to stop it. Stop the contributions of extra funds now that I've only got one job. Yeah.\n\nYes. So I'll just yeah. Because it I'm just writing how to write it, though. That's that's the only thing. Can you please adjust this to the correct monthly?\n\nI don't know what to say. Tax deductions. Is it tax deductions? Tax correct tax rate. Yeah.\n\nTax rate. Yes. Because I only have one job. I'm Yeah. Yeah.\n\nBut I I might pay because I've got three well, I've got those two. You know, I've got Hub and I've got Australian Super. Would it be beneficial to have both of them? Like or is it just I don't know. I don't know because I'm paying fees.\n\nAnd I I didn't know I was keeping keeping Australian Superforce stating it just in case anything goes wrong with my hub 20 four. So, you know, like I don't know. Yes, please. Because I know that a while back, you were looking at another insurance company for me that would be cheaper that would be cheaper as well. But, you know, like, what does it mean for the one that I've already had?\n\nYou know, like, I've been with insurance line since 2011. What does that mean? Okay. Yeah. Because we have we have '24.\n\nWhat's the insurance like there? Like, is my balance yeah. Yeah. Yeah. That sounds great.\n\nAnd because I was thinking oh, what was that? I just had a brain, but I thought what was it in my insurance line. Because you know how well, well, I went on to compare the market and compare so I compare health, compare but, you know, my car insurance, all that. Is there something like that you can do where you compare life insurance, funeral insurance, and what will be more suitable to my, you know, to my fortnightly wage or monthly wage that I can afford. You know, like, I don't know.\n\nI've got all these funds that I'm paying money here and there. Which one? What do I do? What do I do? Because I've got, you know, Australian Super.\n\nI've got that 160,000 life insurance there, and I've got I don't know what I've got with HUB24, and then I've got this other insurance with insurance line as well. So I've got okay. Well, I start my new job as Monday, so probably busy at the beginning of the week. So let's probably make it Friday at the end of the week, I reckon. No.\n\nGood afternoon will be fine. Yep. That's perfect. Yep. Sounds perfect.\n\nYep. Probably 65, I reckon. Yeah. About six yeah. About 65.\n\nBut, you know, like, if I make some good money, I'll I'll retire early. I don't wanna be working working for some of my life. Yeah. And I don't wanna do that either. I don't wanna pay that.\n\n1 in a million. You can't even know that stupid thing. Yeah. Exactly. Yep.\n\nNo. I'll be upset because it's like, what do I do? You know, like, what are you doing? Like, are you just watching the market for me? Like, you know, I don't want to see a big breakdown, like, my my super decreases from $9.06 to 70.\n\nYou know, like, I don't know what's gonna happen with that part. But, yeah, I'd be very bummed out if I see a lot of a big drop because as I've moved over to Hub 24, I've seen it grow. You know? So that's the whole reason that I wanna actually retire with money. But, yeah, it's okay.\n\nIt's just what you guys can make sure that all the right choices and what that, you know, investments are being done right for my for my yeah. No. Just Just the one that you first said before that before that. Yeah. Yes.\n\nYes. Probably down the track right now because I know that with my Australian Supernova that I finished with NTG, my that salary sacrifice stuff will stop with them because I was contributing $50. I I don't know. I was with $20 or $50, but I was contributing out of that. So that will stop now.\n\nBut yeah. No. I would definitely like to contribute a little bit more out of my my Yep. Yeah. No.\n\nIt's working in probably in the next month or so because I I don't I don't even know how this is all gonna work. I'm just I know that all my account all my money in one account that covers the bills and whatever left over, I can put in another account. That's what I have to live off. 40. Yeah.\n\nMonthly. Yep. Yep. Yes, please. No.\n\nBut that's what I wanna get done to this year. Yep. Yep. Yep. That sounds right.\n\nYep. That sounds right. And, you know, the, you know, the situation I'm in now, we've got bills and what was I gonna say? Investment in property? Like, is that is that gonna be an option down the track?\n\nLike because, you know, I live in I live in I live in these flats right now, and I would love to buy one of these just as an investment property. And just, you know, because they they they go just like that, and the rent the rent that they charge, the one that I'm paying now, like, you know, it's it's a bloody good investment. Yeah. Yeah. No.\n\nThat's definitely yep. Yeah. And that's another thing that I wanted to bring up too, that income protection. So none of my superannuation covers any of that? Yes, please.\n\nBecause I've seen a lot of that come up lately, and I just you know, single mom. Well, act yeah. My daughter's moved out now, so it's just me. But I always make sure that if I've come down with anything that I can't work, I need to be protected, that I can still have some for a year to cover my daily bills. Not cover it too.\n\nBecause I know I because when I was working on the front line, I was taking on a lot of stress. And even now that I'm taking on this next role, it's gonna be working, you know, with a lot of our First Nations people. You know, like and I've come from a different background than a lot of other you know, a lot of we all come from different background grounds, you know, all our first nation pop. And it does bring a lot of trauma as well, you know, and I I know what I'm going into that I'm gonna be you know, it's gonna be a whole lot of kettle and fish that cultural wise, everything. So that might bring some stuff as well, but, you know, depression or mental health issues or something like that, you know, so I wanna be prepared for anything that's uncovered.\n\nYeah. Yep. Let's start off with one year first. Yeah. Because I I don't even know.\n\nLike, once I work out the bills and, you know, then I can actually come up with a more better plan of how what what goes in because I don't be paying everything to insurances and everything, and then I'm gonna have money. Yep. Yep. Are you gonna do two and five just to see what yeah. Which one that I can afford that comes into my budget?\n\nDoes that money come does that money come out about about my superannuation, like insurance? Yeah. Yes. I've got yeah. Because I've got the three the three supers.\n\nSo yeah. Like, Australian Super yeah. Because I've got a 167 there. The hub 24 doesn't do the insurance part of it. Plumb, like, can I just roll plumbing to Australian Super instead of having all this I don't know?\n\nYou know, like, whatever. Yep. It took too many. Yep. Yep.\n\nSounds right. Yes, please. Sounds sounds good, Shana. And I'm just I'm just I've got these things that I have to do in the next couple of weeks, but, hopefully, my parents can help me with that because of the home and see family. Yeah.\n\nAnd, hopefully, get rid of some debt with my payout as well. And then I can just focus on all this stuff and get start getting rid of it all. But, yeah, if you can touch base in the next couple of weeks, that'll be great. Yep. Sounds good, Dana.\n\nThank you. Thank you for your call. Whatever. Yep. Thank you.\n\nAlright. You go. You for me too. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":1.76,"end":2.42,"sentiment":"neutral","sentiment_score":0.19204086810350418},{"text":"Yeah.","start":6.64,"end":6.96,"sentiment":"neutral","sentiment_score":0.1778625249862671},{"text":"Good.","start":6.96,"end":7.2,"sentiment":"positive","sentiment_score":0.3718577027320862},{"text":"How are you doing?","start":7.2,"end":8.1,"sentiment":"neutral","sentiment_score":0.27459096536040306},{"text":"Yeah.","start":13.935,"end":14.255,"sentiment":"neutral","sentiment_score":0.04515043646097183}],"sentiment":"neutral","sentiment_score":0.23081291798088285,"num_words":9,"start":1.76,"end":14.255},{"sentences":[{"text":"No.","start":14.255,"end":14.575001,"sentiment":"neutral","sentiment_score":0.05824681743979454},{"text":"It's perfect.","start":14.575001,"end":15.055,"sentiment":"positive","sentiment_score":0.3768817037343979},{"text":"Thank you.","start":15.055,"end":15.795,"sentiment":"positive","sentiment_score":0.4685037136077881},{"text":"Yeah.","start":19.935,"end":20.335,"sentiment":"neutral","sentiment_score":0.14761883020401},{"text":"Good.","start":20.335,"end":20.735,"sentiment":"neutral","sentiment_score":0.2888849377632141}],"sentiment":"neutral","sentiment_score":0.3122173457273415,"num_words":7,"start":14.255,"end":20.735},{"sentences":[{"text":"I've got a week off this week, and it's just yeah.","start":20.735,"end":23.215,"sentiment":"neutral","sentiment_score":0.1850764060562307},{"text":"Thought I'd be able to have a relaxing week, but still doing the work runs for the kids.","start":23.215,"end":28.800001,"sentiment":"neutral","sentiment_score":0.16318843679295647},{"text":"Yep.","start":38.3,"end":38.8,"sentiment":"neutral","sentiment_score":0.06989032030105591},{"text":"Brenda Lee Kelly.","start":48.405,"end":49.364998,"sentiment":"neutral","sentiment_score":0.012590096332132816},{"text":"May 22.","start":49.364998,"end":51.125,"sentiment":"neutral","sentiment_score":0.010322241578251123}],"sentiment":"neutral","sentiment_score":0.14575821203844888,"num_words":35,"start":20.735,"end":51.125},{"sentences":[{"text":"Unit 3103 Kringle Court oh, sorry.","start":51.125,"end":54.04,"sentiment":"neutral","sentiment_score":0.014952382383247217},{"text":"4 Kringle Court, Sunny Bay, Northern Territory.","start":54.04,"end":56.06,"sentiment":"neutral","sentiment_score":0.02225561280335699},{"text":"Yep.","start":65.72,"end":66.22,"sentiment":"neutral","sentiment_score":0.03626943379640579},{"text":"Yeah.","start":88.61,"end":88.93,"sentiment":"neutral","sentiment_score":0.007677992805838585},{"text":"So you recall last year that I had two jobs?","start":88.93,"end":91.91,"sentiment":"neutral","sentiment_score":-0.007115552388131619}],"sentiment":"neutral","sentiment_score":0.008731819465756416,"num_words":25,"start":51.125,"end":91.91},{"sentences":[{"text":"Yeah.","start":93.01,"end":93.51,"sentiment":"neutral","sentiment_score":0.004074563272297382},{"text":"Yeah.","start":93.65,"end":94.05,"sentiment":"neutral","sentiment_score":0.0020844358950853348},{"text":"So the second job offered me a permanent role and more money.","start":94.05,"end":101.035,"sentiment":"neutral","sentiment_score":-0.018465636763721704},{"text":"So I've now resigned from Northern Territory government, and I start my new job on Monday with the second job as a permanent position.","start":101.495,"end":111.115005,"sentiment":"neutral","sentiment_score":-0.039580410423999034},{"text":"So, yeah, so I'm running down to one income now, but it's not it's not a lot of money more than NTG.","start":111.67,"end":117.28999,"sentiment":"neutral","sentiment_score":-0.07474077111956748}],"sentiment":"neutral","sentiment_score":-0.04682759094672898,"num_words":60,"start":93.01,"end":117.28999},{"sentences":[{"text":"But, yeah, I've given up the second job as well because I just it's tiring up.","start":118.229996,"end":122.229996,"sentiment":"neutral","sentiment_score":-0.16887709219008684},{"text":"So I'm just gonna focus on this one job now.","start":122.229996,"end":124.729996,"sentiment":"neutral","sentiment_score":-0.0319629268720746},{"text":"Still with Dentia?","start":130.605,"end":131.50499,"sentiment":"neutral","sentiment_score":-0.00042089105894168216},{"text":"Yep.","start":133.965,"end":134.205,"sentiment":"neutral","sentiment_score":0.07794724404811859},{"text":"And so I've got some Australian Super and Hub twenty four as my three super funds.","start":134.205,"end":138.605,"sentiment":"neutral","sentiment_score":0.21326174959540367}],"sentiment":"neutral","sentiment_score":0.01015673523120906,"num_words":46,"start":118.229996,"end":138.605},{"sentences":[{"text":"I need to sort them out as well this year.","start":138.605,"end":140.625,"sentiment":"neutral","sentiment_score":0.14871409237384797},{"text":"No.","start":163.215,"end":163.61499,"sentiment":"neutral","sentiment_score":-0.06507476419210434},{"text":"Different work.","start":163.61499,"end":164.415,"sentiment":"neutral","sentiment_score":-0.04633601754903793},{"text":"So it's kind of similar to it's got a retention leader for First Nations people.","start":164.415,"end":170.03499,"sentiment":"neutral","sentiment_score":0.04651747333506743},{"text":"It keeps them in employment.","start":170.7,"end":172.0,"sentiment":"neutral","sentiment_score":0.08673269152641297}],"sentiment":"neutral","sentiment_score":0.0745702933971629,"num_words":33,"start":138.605,"end":172.0},{"sentences":[{"text":"So it's different from what I was doing, but it's kinda like in the supporting role that I was doing with NTG as well.","start":172.14,"end":179.04001,"sentiment":"neutral","sentiment_score":0.04134617381108304},{"text":"Yeah.","start":190.005,"end":190.485,"sentiment":"neutral","sentiment_score":0.018904291093349457},{"text":"110,000.","start":190.485,"end":191.685,"sentiment":"neutral","sentiment_score":0.022843651473522183},{"text":"So with the NTG, I was earning 92,000 per annum.","start":191.685,"end":194.905,"sentiment":"neutral","sentiment_score":0.06303884871304036},{"text":"But with this new route, it's 110 to add to and then I was thinking, what's the what was it?","start":196.085,"end":203.94,"sentiment":"neutral","sentiment_score":-0.029495337046682835}],"sentiment":"neutral","sentiment_score":0.019188176075528775,"num_words":56,"start":172.14,"end":203.94},{"sentences":[{"text":"97, I think.","start":203.94,"end":205.14,"sentiment":"neutral","sentiment_score":-0.05089619507392248},{"text":"You know, when super and all that stuff is taken out.","start":205.14,"end":207.56,"sentiment":"neutral","sentiment_score":-0.12100082364949313},{"text":"So I'm not Yeah.","start":208.02,"end":211.955,"sentiment":"neutral","sentiment_score":-0.04558687889948487},{"text":"I'll just get it up for you.","start":211.955,"end":213.235,"sentiment":"neutral","sentiment_score":0.049953783197062354},{"text":"I'm just having a look at the contract now.","start":213.235,"end":215.175,"sentiment":"neutral","sentiment_score":0.027307549801965553}],"sentiment":"neutral","sentiment_score":-0.03148825677550014,"num_words":34,"start":203.94,"end":215.175},{"sentences":[{"text":"Yeah.","start":223.99,"end":224.15001,"sentiment":"neutral","sentiment_score":0.0017486598808318377},{"text":"So a lot's been done because I have to transfer everything over that I had there before.","start":224.15001,"end":227.77,"sentiment":"neutral","sentiment_score":0.2056886150556452},{"text":"Like, everything was all set to government.","start":227.91,"end":229.83,"sentiment":"neutral","sentiment_score":0.14779403379985265},{"text":"So it's been a long couple of weeks of transferring stuff over, hand over, all of that good stuff that you do in your phone job.","start":229.83,"end":236.41,"sentiment":"neutral","sentiment_score":0.2837274045898364},{"text":"So cash salary, 90 $8,214.29 per annum.","start":239.27,"end":246.625,"sentiment":"neutral","sentiment_score":0.13279410345213755}],"sentiment":"neutral","sentiment_score":0.2213704240676979,"num_words":58,"start":223.99,"end":246.625},{"sentences":[{"text":"Superannuation, $11,785.71 per annum, 1212% of ordinary time earning, and the total fixed renew renumeration is a 110,000 per annum.","start":248.125,"end":266.63998,"sentiment":"neutral","sentiment_score":0.10160205960273742},{"text":"Yeah.","start":270.645,"end":271.145,"sentiment":"neutral","sentiment_score":0.13606128096580505},{"text":"Yeah.","start":274.365,"end":274.865,"sentiment":"neutral","sentiment_score":-0.028498010709881783},{"text":"Yeah.","start":278.085,"end":278.32498,"sentiment":"neutral","sentiment_score":-0.06809907406568527},{"text":"I have I've just I've got my car through the salary sacrifice.","start":278.32498,"end":282.86002,"sentiment":"neutral","sentiment_score":-0.12668589688837528}],"sentiment":"neutral","sentiment_score":0.01575070358812809,"num_words":35,"start":248.125,"end":282.86002},{"sentences":[{"text":"So I have to I'm transferring that over now to the new employer.","start":282.86002,"end":286.80002,"sentiment":"neutral","sentiment_score":-0.06089561547224338},{"text":"And just, yeah, just checking to make sure today that start that process because I've been told to take work off the payroll the other day, and I'm just waiting for SG Fleet to see if they've approved it all to see if they can transfer it over.","start":287.42,"end":300.095,"sentiment":"neutral","sentiment_score":-0.04033658525440842},{"text":"Otherwise, I've already insured the car and everything can deductions for myself to pay it manually.","start":300.095,"end":304.915,"sentiment":"neutral","sentiment_score":-0.039032336440868676},{"text":"Yeah.","start":320.4,"end":320.72,"sentiment":"neutral","sentiment_score":-0.04416395351290703},{"text":"Yeah.","start":320.72,"end":320.96,"sentiment":"neutral","sentiment_score":-0.05773546174168587}],"sentiment":"neutral","sentiment_score":-0.043724251793155186,"num_words":79,"start":282.86002,"end":320.96},{"sentences":[{"text":"I was doing it.","start":320.96,"end":322.02,"sentiment":"neutral","sentiment_score":-0.08969807252287865},{"text":"I think it was Australian Super.","start":322.96,"end":324.4,"sentiment":"neutral","sentiment_score":-0.07051624481876691},{"text":"I was just putting the extra $50 in there, but I'll now that's now that's gonna be canceled.","start":324.4,"end":329.745,"sentiment":"neutral","sentiment_score":-0.17688477080729273},{"text":"So I think once because I'm I won't be getting I'll be getting paid monthly with the new employer.","start":329.745,"end":334.725,"sentiment":"neutral","sentiment_score":-0.10928041174223549},{"text":"So once I once I get my head around that what I was just gonna do, I was just gonna leave all my money in my account, like, you know, my normally fortnightly bills, but make it as a monthly thing.","start":335.185,"end":346.15,"sentiment":"neutral","sentiment_score":-0.020650111411402865}],"sentiment":"neutral","sentiment_score":-0.07828179573301565,"num_words":88,"start":320.96,"end":346.15},{"sentences":[{"text":"And I'll just leave it like that and then take whatever's available, I suppose.","start":346.61,"end":350.84998,"sentiment":"neutral","sentiment_score":0.1308520430965083},{"text":"But, yeah, the bills are the same, I suppose.","start":350.84998,"end":353.27,"sentiment":"neutral","sentiment_score":0.13314354502492481},{"text":"Bills are the same.","start":353.65,"end":354.71,"sentiment":"neutral","sentiment_score":0.11910485662519932},{"text":"Yeah.","start":396.305,"end":396.625,"sentiment":"neutral","sentiment_score":0.020105259492993355},{"text":"And that's, you know, that's a lot of the issue that I had last year.","start":396.625,"end":400.05,"sentiment":"neutral","sentiment_score":-0.1327658678094546}],"sentiment":"neutral","sentiment_score":0.03570365528900956,"num_words":43,"start":346.61,"end":400.05},{"sentences":[{"text":"You know, like, I if I see the money in there, you know, when I was trying to make that savings account and everything, I would, you know, I would spend it, but that's that's the whole reason I've got a GoldSaver, my I think it was my direct debit, and I've got another one just so I transferred money to between accounts.","start":400.05,"end":416.675,"sentiment":"neutral","sentiment_score":-0.014405153883946321},{"text":"But, yeah, if I didn't see it, it's even better, like, you know, the disabled account.","start":416.675,"end":420.995,"sentiment":"neutral","sentiment_score":-0.05517491139471531},{"text":"So this is what when all this starts rolling out with this new job and the new pay, I wanna sort all that because it's to have that savings account that I don't can't touch.","start":420.995,"end":432.59,"sentiment":"neutral","sentiment_score":-0.010530753576728915},{"text":"Do a gold saver, like, a thousand dollars to start off with or what else?","start":432.59,"end":438.27002,"sentiment":"neutral","sentiment_score":0.03762604246536891},{"text":"Because I get my payout.","start":438.27002,"end":439.47,"sentiment":"neutral","sentiment_score":-0.11292532533407211}],"sentiment":"neutral","sentiment_score":-0.01611295255133882,"num_words":134,"start":400.05,"end":439.47},{"sentences":[{"text":"I'm not sure when I get my payout from my resignation.","start":439.47,"end":441.71002,"sentiment":"neutral","sentiment_score":-0.19882377033883875},{"text":"That's another two weeks, they said, you know, once that happens.","start":441.71002,"end":445.63498,"sentiment":"neutral","sentiment_score":-0.009115673940290104},{"text":"So then at the moment, I'm just living day to day, really, but I wanna I don't wanna be like this anymore.","start":445.69498,"end":452.115,"sentiment":"neutral","sentiment_score":-0.12365652383728461},{"text":"Yeah.","start":497.21,"end":497.44998,"sentiment":"neutral","sentiment_score":0.11404914408922195},{"text":"No.","start":497.44998,"end":497.61,"sentiment":"neutral","sentiment_score":0.14444607496261597}],"sentiment":"neutral","sentiment_score":-0.10324526505301827,"num_words":46,"start":439.47,"end":497.61},{"sentences":[{"text":"That sounds perfect.","start":497.61,"end":498.65,"sentiment":"positive","sentiment_score":0.37556518117586773},{"text":"That's just yeah.","start":498.65,"end":499.545,"sentiment":"neutral","sentiment_score":0.15762695421775183},{"text":"But right now, because after Christmas, everything's just on did you want me to sign up on this this form here?","start":499.70502,"end":504.825,"sentiment":"neutral","sentiment_score":0.04868381594618162},{"text":"Did you?","start":504.825,"end":505.225,"sentiment":"neutral","sentiment_score":0.028070186264812946},{"text":"Did you want me to sign up?","start":505.225,"end":506.68503,"sentiment":"neutral","sentiment_score":0.01949990593961307}],"sentiment":"neutral","sentiment_score":0.0781826737543775,"num_words":36,"start":497.61,"end":506.68503},{"sentences":[{"text":"Yep.","start":527.075,"end":527.315,"sentiment":"neutral","sentiment_score":0.05573079735040665},{"text":"Yep.","start":527.315,"end":527.47504,"sentiment":"neutral","sentiment_score":0.07201498001813889},{"text":"I'm just having a look at it.","start":527.47504,"end":528.935,"sentiment":"neutral","sentiment_score":0.09870902342455727},{"text":"Yep.","start":529.23505,"end":529.73505,"sentiment":"neutral","sentiment_score":0.1212264522910118},{"text":"Yep.","start":575.63,"end":576.13,"sentiment":"neutral","sentiment_score":0.06502795964479446}],"sentiment":"neutral","sentiment_score":0.0913603048432957,"num_words":11,"start":527.075,"end":576.13},{"sentences":[{"text":"Yep.","start":596.54004,"end":597.04004,"sentiment":"neutral","sentiment_score":0.055877935141325},{"text":"No.","start":649.575,"end":649.895,"sentiment":"neutral","sentiment_score":-0.10794271528720856},{"text":"Is that is that from Jacob?","start":649.895,"end":651.515,"sentiment":"neutral","sentiment_score":-0.065584151695172},{"text":"No.","start":666.31,"end":666.51,"sentiment":"neutral","sentiment_score":-0.1661592721939087},{"text":"I don't see anything there.","start":666.51,"end":668.17,"sentiment":"neutral","sentiment_score":-0.17417244017124175}],"sentiment":"neutral","sentiment_score":-0.10589936881193093,"num_words":14,"start":596.54004,"end":668.17},{"sentences":[{"text":"Well, I've only just put well, at the moment, it's just it's just a plan at the moment, so I've gotta sort that out as well.","start":756.995,"end":764.77496,"sentiment":"neutral","sentiment_score":-0.15282528525075087},{"text":"So I haven't transferred, like, you know, delegate allocated that to Hub twenty four years.","start":765.235,"end":773.0,"sentiment":"neutral","sentiment_score":-0.09573166271050772},{"text":"So that's another little thing I've gotta do, actually.","start":773.0,"end":775.10004,"sentiment":"neutral","sentiment_score":0.0010334323677751753},{"text":"Yeah.","start":810.32,"end":810.72003,"sentiment":"neutral","sentiment_score":0.20025694370269775},{"text":"Well, I've been there for a long time with these mob now, so I don't know.","start":810.72003,"end":814.16003,"sentiment":"neutral","sentiment_score":-0.12629319727420807}],"sentiment":"neutral","sentiment_score":-0.10776963699331034,"num_words":67,"start":756.995,"end":814.16003},{"sentences":[{"text":"Like, I've just been paying it because I don't trust that my kids would have their own plans, which they probably wouldn't, but I don't wanna attempt anything really.","start":814.16003,"end":822.035,"sentiment":"neutral","sentiment_score":-0.2762711798322612},{"text":"Yep.","start":841.14996,"end":841.47,"sentiment":"neutral","sentiment_score":0.017387881875038147},{"text":"$29.61, and the other one is $47.14.","start":841.47,"end":845.08997,"sentiment":"neutral","sentiment_score":0.0035219083407095502},{"text":"Yeah.","start":848.535,"end":848.855,"sentiment":"neutral","sentiment_score":0.015645133331418037},{"text":"So one's funeral, one's wife.","start":848.855,"end":850.475,"sentiment":"neutral","sentiment_score":0.007774336636066437}],"sentiment":"neutral","sentiment_score":-0.18407688740380976,"num_words":43,"start":814.16003,"end":850.475},{"sentences":[{"text":"I think we were 15,000.","start":864.03,"end":866.11,"sentiment":"neutral","sentiment_score":-0.1292324498295784},{"text":"I'm not sure.","start":866.11,"end":867.17,"sentiment":"neutral","sentiment_score":-0.15238944192727408},{"text":"Each I'm just gonna go through back I just saved another day because when I had to go and renew, but I have to probably increase it all for all of us again because I just attended a funeral, and they they they're paying 20,000 for the funeral and the slot and everything.","start":867.79,"end":884.445,"sentiment":"neutral","sentiment_score":-0.10118727681209456},{"text":"So I was like, well, I probably need to increase my plan.","start":884.445,"end":888.42004,"sentiment":"neutral","sentiment_score":-0.17430053589244685},{"text":"I'm not sure.","start":896.0,"end":897.06,"sentiment":"neutral","sentiment_score":-0.22012744843959808}],"sentiment":"neutral","sentiment_score":-0.12129269765788003,"num_words":76,"start":864.03,"end":897.06},{"sentences":[{"text":"I'm honestly not sure what happens there.","start":897.12,"end":899.205,"sentiment":"neutral","sentiment_score":-0.25950931864125387},{"text":"Yeah.","start":928.055,"end":928.29504,"sentiment":"neutral","sentiment_score":0.03754140809178352},{"text":"Because I've got what the hell is that?","start":928.29504,"end":930.715,"sentiment":"neutral","sentiment_score":-0.017568783834576607},{"text":"Yeah.","start":932.215,"end":932.53503,"sentiment":"neutral","sentiment_score":0.01135188713669777},{"text":"This one here.","start":932.53503,"end":933.255,"sentiment":"neutral","sentiment_score":0.01855768511692683}],"sentiment":"neutral","sentiment_score":-0.09262745752930641,"num_words":20,"start":897.12,"end":933.255},{"sentences":[{"text":"I've just yeah.","start":933.255,"end":933.815,"sentiment":"neutral","sentiment_score":0.008771721273660658},{"text":"Because I downloaded them all the other day.","start":933.815,"end":935.41504,"sentiment":"neutral","sentiment_score":0.021678857039660215},{"text":"I'm just looking at one.","start":935.41504,"end":936.715,"sentiment":"neutral","sentiment_score":-0.02011190466582775},{"text":"I think it's the life cover.","start":937.015,"end":939.03503,"sentiment":"neutral","sentiment_score":-0.018515077885240316},{"text":"What's that mean?","start":940.775,"end":941.655,"sentiment":"neutral","sentiment_score":-0.022558920085430145}],"sentiment":"neutral","sentiment_score":-0.0031832292303442954,"num_words":25,"start":933.255,"end":941.655},{"sentences":[{"text":"Benefit, 167,000.","start":941.655,"end":945.05,"sentiment":"neutral","sentiment_score":-0.02516230382025242},{"text":"I don't get it.","start":950.07,"end":951.11,"sentiment":"neutral","sentiment_score":-0.19498245045542717},{"text":"That's the $29.61 per fortnight.","start":951.11,"end":953.27,"sentiment":"neutral","sentiment_score":-0.06379174813628197},{"text":"That's the life cover.","start":953.27,"end":954.41,"sentiment":"neutral","sentiment_score":-0.05212905816733837},{"text":"And then you got the funeral.","start":955.27,"end":957.05,"sentiment":"neutral","sentiment_score":-0.0035257075602809587}],"sentiment":"neutral","sentiment_score":-0.06566112515117441,"num_words":21,"start":941.655,"end":957.05},{"sentences":[{"text":"That funeral that life on the house.","start":958.605,"end":960.545,"sentiment":"neutral","sentiment_score":0.007734194397926331},{"text":"41 70 47404714, and all my kids are insured for $11,222.","start":976.27,"end":985.41003,"sentiment":"neutral","sentiment_score":0.014882138591598381},{"text":"That's kind of crap, but yeah.","start":988.095,"end":990.045,"sentiment":"neutral","sentiment_score":-0.23591793328523636},{"text":"Yep.","start":1081.225,"end":1081.725,"sentiment":"neutral","sentiment_score":0.1825244426727295},{"text":"Well, I've got the two documents here, the two statements that the policy schedules.","start":1082.345,"end":1085.8,"sentiment":"neutral","sentiment_score":0.09793202579021454}],"sentiment":"neutral","sentiment_score":0.00912584844403542,"num_words":39,"start":958.605,"end":1085.8},{"sentences":[{"text":"I don't know.","start":1085.8,"end":1086.28,"sentiment":"neutral","sentiment_score":-0.01216127909719944},{"text":"But because I have I've got them saved on my computer over here, but you've got access to them as well?","start":1086.28,"end":1091.24,"sentiment":"neutral","sentiment_score":0.024644151596086367},{"text":"Or Yeah.","start":1091.24,"end":1116.36,"sentiment":"neutral","sentiment_score":0.04896685294806957},{"text":"Because it's just you know, like, I've got I've been with insurance line watch it since 2011.","start":1116.36,"end":1122.86,"sentiment":"neutral","sentiment_score":0.013255775193957722},{"text":"Yep.","start":1123.72,"end":1124.2,"sentiment":"neutral","sentiment_score":0.09736677259206772}],"sentiment":"neutral","sentiment_score":0.020493000068447807,"num_words":44,"start":1085.8,"end":1124.2},{"sentences":[{"text":"I've had this in cover, you know.","start":1124.2,"end":1126.035,"sentiment":"neutral","sentiment_score":0.017639106405632838},{"text":"And I've been just paying it, you know, like, normal and it's about $70 a fortnight.","start":1126.035,"end":1130.675,"sentiment":"neutral","sentiment_score":-0.07588839996606112},{"text":"So I'm just I don't know if I should revisit it visit it and increase it to 15,000 for the funeral plan and I don't know.","start":1130.675,"end":1137.97,"sentiment":"neutral","sentiment_score":-0.09095914346667436},{"text":"But it's just gonna work out within my budget as well now.","start":1137.97,"end":1140.37,"sentiment":"neutral","sentiment_score":0.2795661313381667},{"text":"So because I'm not working two jobs.","start":1140.37,"end":1142.2899,"sentiment":"neutral","sentiment_score":-0.19013442631278718}],"sentiment":"neutral","sentiment_score":-0.02105626166003811,"num_words":68,"start":1124.2,"end":1142.2899},{"sentences":[{"text":"I'm back to one job.","start":1142.2899,"end":1143.5099,"sentiment":"neutral","sentiment_score":-0.08502967432141303},{"text":"I've insured my car.","start":1144.5299,"end":1145.8099,"sentiment":"neutral","sentiment_score":0.063359166495502},{"text":"I've got health insurance too now.","start":1145.8099,"end":1147.73,"sentiment":"neutral","sentiment_score":0.04981047318627437},{"text":"So just a lot of stuff that I don't need enough.","start":1147.73,"end":1150.9299,"sentiment":"neutral","sentiment_score":-0.2413140914656899},{"text":"I should get health insurance, but because of the dental work that I just recently had.","start":1150.9299,"end":1155.505,"sentiment":"neutral","sentiment_score":-0.1671993057243526}],"sentiment":"neutral","sentiment_score":-0.1238688753385629,"num_words":42,"start":1142.2899,"end":1155.505},{"sentences":[{"text":"Yes.","start":1155.885,"end":1156.365,"sentiment":"neutral","sentiment_score":0.02209765836596489},{"text":"A lot of stuff is I want to actually knock down right this year, like, starting right now and and, you know, set up these savings accounts and be financially stable.","start":1156.365,"end":1168.625,"sentiment":"neutral","sentiment_score":0.1402829210123708},{"text":"Yes, please.","start":1185.455,"end":1186.275,"sentiment":"neutral","sentiment_score":0.14008165895938873},{"text":"Yeah.","start":1191.375,"end":1191.615,"sentiment":"neutral","sentiment_score":0.023783117532730103},{"text":"Well, like I said, I went to that funeral just no longer, and that was 20,000.","start":1191.615,"end":1196.515,"sentiment":"neutral","sentiment_score":-0.056091119069606066}],"sentiment":"neutral","sentiment_score":0.07406581843308374,"num_words":51,"start":1155.885,"end":1196.515},{"sentences":[{"text":"And that was just a little service at the at the the funeral place, and then they went to the they went to the ground, you know, and then they had the wake and, you know, like, all this they reckon it cost about $20, and I'm like, what?","start":1196.735,"end":1211.14,"sentiment":"neutral","sentiment_score":-0.04543636229877569},{"text":"That's all.","start":1211.14,"end":1211.88,"sentiment":"neutral","sentiment_score":-0.10661234706640242},{"text":"And it's just, you know, like, it was all over and done with within a freaking couple of hours, but I don't know.","start":1213.725,"end":1219.505,"sentiment":"neutral","sentiment_score":0.012521009568286978},{"text":"I don't know what because I know, like, my kids will probably all they will work, and they had to have cover with their their, you know, their superannuation.","start":1219.725,"end":1227.745,"sentiment":"neutral","sentiment_score":-0.1941666741823328},{"text":"I don't know.","start":1229.5499,"end":1230.35,"sentiment":"neutral","sentiment_score":-0.1958631326754888}],"sentiment":"neutral","sentiment_score":-0.07896269977373897,"num_words":106,"start":1196.735,"end":1230.35},{"sentences":[{"text":"I just don't know.","start":1230.35,"end":1231.41,"sentiment":"neutral","sentiment_score":-0.2366749309003353},{"text":"Yes, please.","start":1241.63,"end":1242.2899,"sentiment":"neutral","sentiment_score":0.2912660986185074},{"text":"Funeral, step, and then the rest of my kids.","start":1295.475,"end":1299.415,"sentiment":"neutral","sentiment_score":0.008737578160232969},{"text":"Yeah.","start":1308.195,"end":1308.695,"sentiment":"neutral","sentiment_score":0.10699361562728882},{"text":"They're roughly the same because I just had my tooth out, and I put that on Afterpay, and that cost a thousand bucks.","start":1316.38,"end":1323.1,"sentiment":"neutral","sentiment_score":-0.15176410098438678}],"sentiment":"neutral","sentiment_score":-0.09407974435732915,"num_words":39,"start":1230.35,"end":1323.1},{"sentences":[{"text":"It's like, oh my god.","start":1323.1,"end":1324.64,"sentiment":"negative","sentiment_score":-0.4858809351921082},{"text":"Stupid tooth.","start":1325.3151,"end":1326.215,"sentiment":"negative","sentiment_score":-0.3622964769601822},{"text":"Yeah.","start":1326.595,"end":1326.915,"sentiment":"neutral","sentiment_score":-0.09583979845046996},{"text":"And, you know, because I don't yeah.","start":1326.915,"end":1328.195,"sentiment":"neutral","sentiment_score":-0.14969637032066072},{"text":"Because I didn't have I don't have health insurance either.","start":1328.195,"end":1332.135,"sentiment":"neutral","sentiment_score":-0.2163501113653183}],"sentiment":"neutral","sentiment_score":-0.25844852536916735,"num_words":25,"start":1323.1,"end":1332.135},{"sentences":[{"text":"So a lot of stuff, kind of like my last Afterpay will be finished on the March 13.","start":1332.275,"end":1338.6,"sentiment":"neutral","sentiment_score":-0.08481783068014516},{"text":"Yeah.","start":1348.76,"end":1349.26,"sentiment":"neutral","sentiment_score":-0.05158502981066704},{"text":"Yeah.","start":1349.96,"end":1350.28,"sentiment":"neutral","sentiment_score":-0.022857114672660828},{"text":"Because remember you sent me that budget through?","start":1350.28,"end":1352.5399,"sentiment":"neutral","sentiment_score":-0.04602316743694246},{"text":"I tried to have a look at it all, but I just didn't understand what it meant.","start":1353.175,"end":1356.135,"sentiment":"neutral","sentiment_score":-0.13394040581496322}],"sentiment":"neutral","sentiment_score":-0.09436300744613012,"num_words":45,"start":1332.275,"end":1356.135},{"sentences":[{"text":"So because I've still got it here.","start":1356.135,"end":1357.755,"sentiment":"neutral","sentiment_score":-0.047055897968156},{"text":"Yes.","start":1358.375,"end":1358.875,"sentiment":"neutral","sentiment_score":0.06736330687999725},{"text":"Yep.","start":1420.6399,"end":1420.7999,"sentiment":"neutral","sentiment_score":0.25192469358444214},{"text":"Yep.","start":1420.7999,"end":1421.2999,"sentiment":"neutral","sentiment_score":0.2092953622341156},{"text":"Yep.","start":1500.345,"end":1500.825,"sentiment":"neutral","sentiment_score":0.16676756739616394}],"sentiment":"neutral","sentiment_score":0.03326905857432972,"num_words":11,"start":1356.135,"end":1500.825},{"sentences":[{"text":"Exactly.","start":1500.825,"end":1501.3049,"sentiment":"neutral","sentiment_score":0.15449319779872894},{"text":"I just wanted to put I just wanna put in a, like, practice all.","start":1501.3049,"end":1504.02,"sentiment":"neutral","sentiment_score":0.15704926529100963},{"text":"Because it's just like after, you know, Christmas time, just took everything.","start":1504.02,"end":1508.1001,"sentiment":"neutral","sentiment_score":0.022176730601737898},{"text":"And I'm and I just started paying all that Christmas stuff off now, and then come around the corner for this other stuff from the dentist and just my chemist warehouse stuff that I always go and get, but just all these other little bitsy bitsy things.","start":1508.1001,"end":1522.145,"sentiment":"neutral","sentiment_score":-0.08147477792536324},{"text":"I just got got a bit carried away, and now I'm paying for it.","start":1522.145,"end":1526.005,"sentiment":"neutral","sentiment_score":-0.2503015345760754}],"sentiment":"neutral","sentiment_score":-0.053570822357538746,"num_words":88,"start":1500.825,"end":1526.005},{"sentences":[{"text":"Credit cards.","start":1543.235,"end":1543.7151,"sentiment":"neutral","sentiment_score":-0.037387287244200706},{"text":"What credit card?","start":1543.7151,"end":1544.675,"sentiment":"neutral","sentiment_score":-0.034000699718793236},{"text":"I've got Afterpay, Nimble, MyWayForward, Push, my tax debt that I pay as well every fortnight, that's 3 3,000 something.","start":1544.675,"end":1561.28,"sentiment":"neutral","sentiment_score":-0.023580108722671866},{"text":"And now that I've just got the health insurance and Budget Direct as well, so when I looked at my bills for this fortnight, $3,645 it came to you, and I don't even know where I'm gonna get that from right now because it's like, I know I can pay the other bills.","start":1563.8201,"end":1579.865,"sentiment":"neutral","sentiment_score":-0.17555329913519463},{"text":"I just can't pay that bill.","start":1579.865,"end":1581.325,"sentiment":"negative","sentiment_score":-0.39233078559239704}],"sentiment":"neutral","sentiment_score":-0.14650819542640375,"num_words":84,"start":1543.235,"end":1581.325},{"sentences":[{"text":"So I'm done.","start":1581.7849,"end":1582.605,"sentiment":"neutral","sentiment_score":-0.09941776593526204},{"text":"Drop Peter to pay Paul again.","start":1582.86,"end":1589.44,"sentiment":"neutral","sentiment_score":-0.018924350074181955},{"text":"Just this yeah.","start":1593.26,"end":1596.46,"sentiment":"neutral","sentiment_score":0.044925895829995476},{"text":"You might as well say 3,645.","start":1596.46,"end":1599.975,"sentiment":"neutral","sentiment_score":0.029577445859710377},{"text":"So that's a fortnightly thing.","start":1600.515,"end":1603.735,"sentiment":"neutral","sentiment_score":0.02210594117641449}],"sentiment":"neutral","sentiment_score":0.0004770726208453594,"num_words":23,"start":1581.7849,"end":1603.735},{"sentences":[{"text":"Let me just have a look at this here.","start":1605.5549,"end":1607.11,"sentiment":"neutral","sentiment_score":0.02282210522227817},{"text":"I can 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that lease.","start":1701.73,"end":1705.35,"sentiment":"neutral","sentiment_score":-0.07152234837412834},{"text":"Yep.","start":1736.725,"end":1737.225,"sentiment":"neutral","sentiment_score":0.017882905900478363}],"sentiment":"neutral","sentiment_score":-0.16741828788788274,"num_words":52,"start":1689.315,"end":1737.225},{"sentences":[{"text":"They're they're all working, but, you know, like, this extra money, I don't know, it helps them out.","start":1738.885,"end":1744.085,"sentiment":"neutral","sentiment_score":-0.020532094213801127},{"text":"Yep.","start":1744.085,"end":1744.585,"sentiment":"neutral","sentiment_score":0.03561980277299881},{"text":"Yeah.","start":1788.4501,"end":1788.9501,"sentiment":"neutral","sentiment_score":0.0963997095823288},{"text":"That's enough for them.","start":1789.0901,"end":1790.31,"sentiment":"neutral","sentiment_score":0.16077363304793835},{"text":"That's enough.","start":1791.895,"end":1792.535,"sentiment":"neutral","sentiment_score":0.26266833394765854}],"sentiment":"neutral","sentiment_score":0.03580280833053761,"num_words":26,"start":1738.885,"end":1792.535},{"sentences":[{"text":"Like, you know, that's just mama's mom's little thing that I can do for them, but that's all that that's all I can give them, really.","start":1792.535,"end":1799.4349,"sentiment":"neutral","sentiment_score":0.19050427211018708},{"text":"That's alright.","start":1845.8251,"end":1846.385,"sentiment":"neutral","sentiment_score":-0.026415857253596187},{"text":"I'm just trying to write this email to my bank here because they're taking because you remember how I was well, I was working two jobs while I was asking them because last financial year, I end up getting a tax bill for 3,000 because I wasn't paying the extra money on top of my super to cover it, you know, when they do that kind of stuff.","start":1846.385,"end":1868.52,"sentiment":"neutral","sentiment_score":-0.17933170275543542},{"text":"So that was yeah.","start":1869.3,"end":1870.1001,"sentiment":"neutral","sentiment_score":-0.23064332827925682},{"text":"That's been taken, like, nearly 600 out for my tax tax as well just so I don't get billed this one or two here.","start":1870.1001,"end":1879.455,"sentiment":"neutral","sentiment_score":-0.3291966941518088}],"sentiment":"neutral","sentiment_score":-0.12998040644977724,"num_words":124,"start":1792.535,"end":1879.455},{"sentences":[{"text":"Yeah.","start":1879.675,"end":1879.995,"sentiment":"neutral","sentiment_score":-0.05085475742816925},{"text":"So I've been paying more than I should be.","start":1879.995,"end":1882.495,"sentiment":"neutral","sentiment_score":-0.3217804729938507},{"text":"So I was just doing an email from my payroll to stop it.","start":1883.515,"end":1887.055,"sentiment":"neutral","sentiment_score":-0.13865424864567244},{"text":"Stop the contributions of extra funds now that I've only got one job.","start":1887.4601,"end":1890.76,"sentiment":"neutral","sentiment_score":-0.12051353488977139},{"text":"Yeah.","start":1891.4601,"end":1891.9601,"sentiment":"neutral","sentiment_score":0.07544267922639847}],"sentiment":"neutral","sentiment_score":-0.1686653384083026,"num_words":37,"start":1879.675,"end":1891.9601},{"sentences":[{"text":"Yes.","start":1892.8201,"end":1893.3201,"sentiment":"neutral","sentiment_score":0.11041179299354552},{"text":"So I'll just yeah.","start":1894.1001,"end":1895.54,"sentiment":"neutral","sentiment_score":0.06765167880803347},{"text":"Because it I'm just writing how to write it, though.","start":1895.54,"end":1899.14,"sentiment":"neutral","sentiment_score":-0.01889838557690382},{"text":"That's that's the only thing.","start":1899.14,"end":1900.26,"sentiment":"neutral","sentiment_score":-0.07329033017158508},{"text":"Can you please adjust this to the correct monthly?","start":1900.26,"end":1902.68,"sentiment":"neutral","sentiment_score":0.006743329680628247}],"sentiment":"neutral","sentiment_score":-0.003921621768125172,"num_words":29,"start":1892.8201,"end":1902.68},{"sentences":[{"text":"I don't know what to say.","start":1904.065,"end":1905.2849,"sentiment":"neutral","sentiment_score":-0.1405890410145124},{"text":"Tax deductions.","start":1905.585,"end":1906.4049,"sentiment":"neutral","sentiment_score":-0.03817841783165932},{"text":"Is it tax deductions?","start":1906.5449,"end":1907.605,"sentiment":"neutral","sentiment_score":-0.03750571981072426},{"text":"Tax correct tax rate.","start":1911.105,"end":1913.125,"sentiment":"neutral","sentiment_score":-0.011455122381448746},{"text":"Yeah.","start":1915.745,"end":1916.245,"sentiment":"neutral","sentiment_score":-0.021409157663583755}],"sentiment":"neutral","sentiment_score":-0.06689080048133345,"num_words":17,"start":1904.065,"end":1916.245},{"sentences":[{"text":"Tax rate.","start":1916.625,"end":1917.6849,"sentiment":"neutral","sentiment_score":-0.02944282628595829},{"text":"Yes.","start":1920.3301,"end":1920.7301,"sentiment":"neutral","sentiment_score":-0.009700484573841097},{"text":"Because I only have one job.","start":1920.7301,"end":1922.27,"sentiment":"neutral","sentiment_score":-0.033002824522554874},{"text":"I'm Yeah.","start":1922.5701,"end":1939.575,"sentiment":"neutral","sentiment_score":-0.010522573255002499},{"text":"Yeah.","start":1958.085,"end":1958.325,"sentiment":"neutral","sentiment_score":0.012042831629514694}],"sentiment":"neutral","sentiment_score":-0.022967116596798103,"num_words":12,"start":1916.625,"end":1958.325},{"sentences":[{"text":"But I I might pay because I've got three well, I've got those two.","start":1958.325,"end":1962.405,"sentiment":"neutral","sentiment_score":-0.033371864285852225},{"text":"You know, I've got Hub and I've got Australian 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know.","start":1982.82,"end":1985.5599,"sentiment":"neutral","sentiment_score":-0.04618857188948563},{"text":"Yes, please.","start":2064.755,"end":2065.575,"sentiment":"neutral","sentiment_score":0.11646857857704163},{"text":"Because I know that a while back, you were looking at another insurance company for me that would be cheaper that would be cheaper as well.","start":2066.035,"end":2075.7148,"sentiment":"neutral","sentiment_score":0.051453608159835525},{"text":"But, you know, like, what does it mean for the one that I've already had?","start":2075.7148,"end":2079.05,"sentiment":"neutral","sentiment_score":-0.05673675859967867}],"sentiment":"neutral","sentiment_score":-0.005961106586697938,"num_words":74,"start":1972.405,"end":2079.05},{"sentences":[{"text":"You know, like, I've been with insurance line since 2011.","start":2079.05,"end":2081.9502,"sentiment":"neutral","sentiment_score":-0.006553738564252854},{"text":"What does that mean?","start":2082.49,"end":2083.55,"sentiment":"neutral","sentiment_score":-0.07054496929049492},{"text":"Okay.","start":2133.2952,"end":2133.7952,"sentiment":"neutral","sentiment_score":0.07053406536579132},{"text":"Yeah.","start":2134.175,"end":2134.675,"sentiment":"neutral","sentiment_score":0.07181338220834732},{"text":"Because we have we have '24.","start":2135.75,"end":2137.67,"sentiment":"neutral","sentiment_score":0.025687578444679577}],"sentiment":"neutral","sentiment_score":-0.0023292883891950955,"num_words":22,"start":2079.05,"end":2137.67},{"sentences":[{"text":"What's the insurance like there?","start":2137.67,"end":2139.3699,"sentiment":"neutral","sentiment_score":0.007842130772769452},{"text":"Like, is my balance 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my car insurance, all that.","start":2175.42,"end":2184.835,"sentiment":"neutral","sentiment_score":0.0390337502051677},{"text":"Is there something like that you can do where you compare life insurance, funeral insurance, and what will be more suitable to my, you know, to my fortnightly wage or monthly wage that I can afford.","start":2184.835,"end":2195.26,"sentiment":"neutral","sentiment_score":0.08441385740621223},{"text":"You know, like, I don't know.","start":2195.72,"end":2197.56,"sentiment":"neutral","sentiment_score":-0.0905827737102906}],"sentiment":"neutral","sentiment_score":0.03490646670948952,"num_words":94,"start":2167.5,"end":2197.56},{"sentences":[{"text":"I've got all these funds that I'm paying money here and there.","start":2197.56,"end":2200.54,"sentiment":"neutral","sentiment_score":-0.16448383840421835},{"text":"Which one?","start":2200.9202,"end":2201.48,"sentiment":"neutral","sentiment_score":-0.11257262527942657},{"text":"What do I do?","start":2201.48,"end":2202.4602,"sentiment":"neutral","sentiment_score":-0.12817220017313957},{"text":"What do I do?","start":2202.6,"end":2203.755,"sentiment":"neutral","sentiment_score":-0.06964599993079901},{"text":"Because I've got, you know, Australian Super.","start":2203.835,"end":2205.595,"sentiment":"neutral","sentiment_score":-0.0013254944767270768}],"sentiment":"neutral","sentiment_score":-0.1034311232124937,"num_words":29,"start":2197.56,"end":2205.595},{"sentences":[{"text":"I've got that 160,000 life insurance there, and I've got I don't know what I've got with HUB24, and then I've got this other insurance with insurance line as well.","start":2205.595,"end":2214.6548,"sentiment":"neutral","sentiment_score":-0.035326420702040194},{"text":"So I've got okay.","start":2215.035,"end":2223.6575,"sentiment":"neutral","sentiment_score":-0.05810017045587301},{"text":"Well, I start my new job as Monday, so probably busy at the beginning of the week.","start":2232.305,"end":2236.785,"sentiment":"neutral","sentiment_score":-0.030418816296493307},{"text":"So let's probably make it Friday at the end of the week, I reckon.","start":2236.785,"end":2239.525,"sentiment":"neutral","sentiment_score":0.011091385568891252},{"text":"No.","start":2251.8801,"end":2252.04,"sentiment":"neutral","sentiment_score":-0.01049558911472559}],"sentiment":"neutral","sentiment_score":-0.02522014198598988,"num_words":66,"start":2205.595,"end":2252.04},{"sentences":[{"text":"Good afternoon will be fine.","start":2252.04,"end":2253.34,"sentiment":"neutral","sentiment_score":0.037718451023101805},{"text":"Yep.","start":2260.76,"end":2261.0,"sentiment":"neutral","sentiment_score":0.12561458349227905},{"text":"That's perfect.","start":2261.0,"end":2261.74,"sentiment":"positive","sentiment_score":0.48622626066207886},{"text":"Yep.","start":2289.8398,"end":2290.0798,"sentiment":"neutral","sentiment_score":0.15176387131214142},{"text":"Sounds 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thing.","start":2397.37,"end":2399.23,"sentiment":"neutral","sentiment_score":-0.23695770970412663},{"text":"Yeah.","start":2406.455,"end":2406.935,"sentiment":"neutral","sentiment_score":0.006968580186367035},{"text":"Exactly.","start":2406.935,"end":2407.435,"sentiment":"neutral","sentiment_score":0.016889207065105438},{"text":"Yep.","start":2419.0151,"end":2419.47,"sentiment":"neutral","sentiment_score":0.05384780466556549}],"sentiment":"neutral","sentiment_score":-0.15055320678012712,"num_words":14,"start":2396.49,"end":2419.47},{"sentences":[{"text":"No.","start":2430.83,"end":2431.33,"sentiment":"neutral","sentiment_score":-0.14213496446609497},{"text":"I'll be upset because it's like, what do I do?","start":2455.6301,"end":2457.95,"sentiment":"neutral","sentiment_score":-0.24815873950719833},{"text":"You know, like, what are you doing?","start":2457.95,"end":2459.07,"sentiment":"neutral","sentiment_score":-0.08978889563253947},{"text":"Like, are you just watching the market for 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I was contributing out of that.","start":2646.04,"end":2649.36,"sentiment":"neutral","sentiment_score":-0.10442613581052193},{"text":"So that will stop now.","start":2649.36,"end":2650.74,"sentiment":"neutral","sentiment_score":-0.07463319972157478}],"sentiment":"neutral","sentiment_score":-0.05051580879704228,"num_words":56,"start":2622.16,"end":2650.74},{"sentences":[{"text":"But yeah.","start":2652.665,"end":2653.065,"sentiment":"neutral","sentiment_score":0.0036529172211885452},{"text":"No.","start":2653.065,"end":2653.305,"sentiment":"neutral","sentiment_score":-0.10268980264663696},{"text":"I would definitely like to contribute a little bit more out of my my 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pop.","start":3040.27,"end":3048.5452,"sentiment":"neutral","sentiment_score":-0.1386855818769511},{"text":"And it does bring a lot of trauma as well, you know, and I I know what I'm going into that I'm gonna be you know, it's gonna be a whole lot of kettle and fish that cultural wise, everything.","start":3048.7651,"end":3061.14,"sentiment":"neutral","sentiment_score":-0.15666539669036866},{"text":"So that might bring some stuff as well, but, you know, depression or mental health issues or something like that, you know, so I wanna be prepared for anything that's uncovered.","start":3061.14,"end":3070.2,"sentiment":"neutral","sentiment_score":-0.12776752849740367}],"sentiment":"neutral","sentiment_score":-0.14851186024645965,"num_words":150,"start":3025.135,"end":3070.2},{"sentences":[{"text":"Yeah.","start":3092.69,"end":3093.19,"sentiment":"neutral","sentiment_score":0.02277967892587185},{"text":"Yep.","start":3093.65,"end":3094.15,"sentiment":"neutral","sentiment_score":0.04068731516599655},{"text":"Let's start off with one year first.","start":3101.625,"end":3103.5652,"sentiment":"neutral","sentiment_score":0.016760815467153276},{"text":"Yeah.","start":3105.385,"end":3105.705,"sentiment":"neutral","sentiment_score":0.17819607257843018},{"text":"Because I I don't even know.","start":3105.705,"end":3107.465,"sentiment":"neutral","sentiment_score":0.04470706389596065}],"sentiment":"neutral","sentiment_score":0.03920194739475846,"num_words":16,"start":3092.69,"end":3107.465},{"sentences":[{"text":"Like, once I work out the bills and, you know, then I can actually come up with a more better plan of how what what goes in because I don't be paying everything to insurances and everything, and then I'm gonna have money.","start":3107.465,"end":3119.15,"sentiment":"neutral","sentiment_score":0.0313564442141458},{"text":"Yep.","start":3144.55,"end":3145.05,"sentiment":"neutral","sentiment_score":0.14324131608009338},{"text":"Yep.","start":3158.395,"end":3158.895,"sentiment":"neutral","sentiment_score":0.08176648616790771},{"text":"Are you gonna do two and five just to see what yeah.","start":3184.6748,"end":3187.555,"sentiment":"neutral","sentiment_score":0.020852848887443542},{"text":"Which one that I can afford that comes into my budget?","start":3187.555,"end":3190.375,"sentiment":"neutral","sentiment_score":0.08041752874851227}],"sentiment":"neutral","sentiment_score":0.03982591038734159,"num_words":68,"start":3107.465,"end":3190.375},{"sentences":[{"text":"Does that money come does that money come out about about my superannuation, like insurance?","start":3193.3599,"end":3197.8599,"sentiment":"neutral","sentiment_score":-0.05140246649583181},{"text":"Yeah.","start":3198.64,"end":3199.14,"sentiment":"neutral","sentiment_score":0.1560419797897339},{"text":"Yes.","start":3213.675,"end":3214.175,"sentiment":"neutral","sentiment_score":0.18524621427059176},{"text":"I've got yeah.","start":3216.635,"end":3218.875,"sentiment":"neutral","sentiment_score":0.0503594179948171},{"text":"Because I've got the three the three supers.","start":3218.875,"end":3221.21,"sentiment":"neutral","sentiment_score":0.028549267211928964}],"sentiment":"neutral","sentiment_score":-0.0017955861320453031,"num_words":28,"start":3193.3599,"end":3221.21},{"sentences":[{"text":"So yeah.","start":3222.07,"end":3223.03,"sentiment":"neutral","sentiment_score":0.04161589778959751},{"text":"Like, Australian Super yeah.","start":3223.03,"end":3224.8699,"sentiment":"neutral","sentiment_score":0.054092345759272575},{"text":"Because I've got a 167 there.","start":3224.8699,"end":3226.8699,"sentiment":"neutral","sentiment_score":0.02456886942187945},{"text":"The hub 24 doesn't do the insurance part of it.","start":3226.8699,"end":3229.45,"sentiment":"neutral","sentiment_score":-0.030465134233236314},{"text":"Plumb, like, can I just roll plumbing to Australian Super instead of having all this I don't know?","start":3230.15,"end":3234.39,"sentiment":"neutral","sentiment_score":-0.013549303222033713}],"sentiment":"neutral","sentiment_score":-0.002538110129535198,"num_words":40,"start":3222.07,"end":3234.39},{"sentences":[{"text":"You know, like, whatever.","start":3234.39,"end":3236.3052,"sentiment":"neutral","sentiment_score":0.0014332765713334084},{"text":"Yep.","start":3236.3652,"end":3236.8652,"sentiment":"neutral","sentiment_score":0.043911412358284},{"text":"It took too many.","start":3237.3252,"end":3238.3052,"sentiment":"neutral","sentiment_score":-0.011628822889178991},{"text":"Yep.","start":3239.0852,"end":3239.5852,"sentiment":"neutral","sentiment_score":0.055507272481918335},{"text":"Yep.","start":3283.18,"end":3283.68,"sentiment":"neutral","sentiment_score":0.11894457042217256}],"sentiment":"neutral","sentiment_score":0.016143733635544777,"num_words":11,"start":3234.39,"end":3283.68},{"sentences":[{"text":"Sounds right.","start":3283.74,"end":3284.56,"sentiment":"neutral","sentiment_score":0.2042500227689743},{"text":"Yes, please.","start":3298.435,"end":3299.155,"sentiment":"positive","sentiment_score":0.47203776240348816},{"text":"Sounds sounds good, Shana.","start":3299.155,"end":3300.855,"sentiment":"positive","sentiment_score":0.6643113270401955},{"text":"And I'm just I'm just I've got these things that I have to do in the next couple of weeks, but, hopefully, my parents can help me with that because of the home and see family.","start":3300.995,"end":3310.83,"sentiment":"neutral","sentiment_score":0.2785399663779471},{"text":"Yeah.","start":3312.89,"end":3313.21,"sentiment":"neutral","sentiment_score":0.23405013978481293}],"sentiment":"neutral","sentiment_score":0.3171402179532581,"num_words":45,"start":3283.74,"end":3313.21},{"sentences":[{"text":"And, hopefully, get rid of some debt with my payout as well.","start":3313.21,"end":3317.15,"sentiment":"neutral","sentiment_score":0.2102522887289524},{"text":"And then I can just focus on all this stuff and get start getting rid of it all.","start":3318.41,"end":3322.035,"sentiment":"neutral","sentiment_score":0.23045004076427883},{"text":"But, yeah, if you can touch base in the next couple of weeks, that'll be great.","start":3324.4348,"end":3327.655,"sentiment":"positive","sentiment_score":0.42728066723793745},{"text":"Yep.","start":3338.16,"end":3338.48,"sentiment":"neutral","sentiment_score":0.2695636451244354},{"text":"Sounds good, Dana.","start":3338.48,"end":3339.28,"sentiment":"positive","sentiment_score":0.653507133324941}],"sentiment":"neutral","sentiment_score":0.3147540783882141,"num_words":50,"start":3313.21,"end":3339.28},{"sentences":[{"text":"Thank you.","start":3339.28,"end":3339.68,"sentiment":"positive","sentiment_score":0.7242463827133179},{"text":"Thank you for your call.","start":3339.68,"end":3340.9,"sentiment":"positive","sentiment_score":0.6618688821792602},{"text":"Whatever.","start":3341.2,"end":3341.7,"sentiment":"neutral","sentiment_score":0.0913219004869461},{"text":"Yep.","start":3342.0,"end":3342.5,"sentiment":"neutral","sentiment_score":0.2891034781932831},{"text":"Thank you.","start":3345.68,"end":3346.4,"sentiment":"positive","sentiment_score":0.6054385602474213}],"sentiment":"positive","sentiment_score":0.5771945159543644,"num_words":11,"start":3339.28,"end":3346.4},{"sentences":[{"text":"Alright.","start":3346.4,"end":3346.9,"sentiment":"positive","sentiment_score":0.35442280769348145},{"text":"You go.","start":3346.96,"end":3347.28,"sentiment":"positive","sentiment_score":0.42680971324443817},{"text":"You for me too.","start":3347.28,"end":3348.72,"sentiment":"positive","sentiment_score":0.39786524325609207},{"text":"Okay.","start":3348.72,"end":3349.22,"sentiment":"neutral","sentiment_score":0.29843074083328247},{"text":"Bye.","start":3351.5999,"end":3352.0999,"sentiment":"neutral","sentiment_score":-0.0944654867053032}],"sentiment":"positive","sentiment_score":0.3337187179260784,"num_words":9,"start":3346.4,"end":3352.0999}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Good morning.\n\nChannel 0: Hi, Brenda. This is Zena from Okie Financial. How are you today?\n\nChannel 1: Yeah. Good. How are you doing?\n\nChannel 0: I'm very well. Thank you. I had you booked in to go through a bit of an annual review with you today. Isn't now still a good time?\n\nChannel 1: Yeah. No. It's perfect. Thank you.\n\nChannel 0: That's okay. How's your morning been so far?\n\nChannel 1: Yeah. Good. I've got a week off this week, and it's just yeah. Thought I'd be able to have a relaxing week, but still doing\n\nChannel 0: Yep.\n\nChannel 1: the work runs for the kids.\n\nChannel 0: Yeah. Understandable. All good. Brenda, just to let you know, moving forward, we do recur our calls for quality and training purposes. Are you happy for us to proceed with that?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Lovely. And, also, just to do security there with you as well, we are discussing your personal information. So I'll just get you to confirm your full name, date of birth, and address I should have on file.\n\nChannel 1: Brenda Lee Kelly. May 22. Unit 3103 Kringle Court oh, sorry. 4 Kringle Court, Sunny Bay, Northern Territory.\n\nChannel 0: Perfect. Thank you so much for that. So as I said, I have you booked in to go through your annual review. Do you happen to have access to your emails at the moment? Or\n\nChannel 1: Yep.\n\nChannel 0: yeah. Perfect. I'm just gonna send through some annual review documents to you. If I can get you to pop into your emails there and pull these ones up, we can kinda just go through those as we are going through and updating all of your circumstances. We have had a bit of a look at things.\n\nIt looks like there is some advice that we can definitely provide to sort of help you look at your super, and I can see you've also opened up another super recently as well. You've got a new job, have you?\n\nChannel 1: Yeah. So you recall last year that I had two jobs?\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Yeah. So the second job offered me a permanent role and more money.\n\nChannel 0: Mhmm.\n\nChannel 1: So I've now resigned from Northern Territory government, and\n\nChannel 0: Yep.\n\nChannel 1: I start my new job on Monday with the second job as a permanent position.\n\nChannel 0: Yep.\n\nChannel 1: So, yeah, so I'm running down to one income now, but it's not it's not a lot of money more than NTG.\n\nChannel 0: Yeah.\n\nChannel 1: But, yeah, I've given up the second job as well because I just it's tiring up. So I'm just gonna focus on this one job now.\n\nChannel 0: Yep. No. Perfect. So with the new role, who is that working for? What who's the new employer?\n\nChannel 1: Still with Dentia?\n\nChannel 0: Yep.\n\nChannel 1: Yep. And so\n\nChannel 0: Perfect.\n\nChannel 1: I've got some Australian Super and Hub twenty four as my three super funds. I need to sort them out as well this year.\n\nChannel 0: Yeah. That's the one thing I didn't wanna look at. I can see here you've got the three super funds open that is obviously costing you more in the way of fees. So part of today, I did wanna talk about what, you know, what your goals are, what you wanna do, and maybe update the advice to reflect for you. Absolutely.\n\nSo you still with Venty, which is fantastic. Is your role staying roughly the same? Are you gonna be doing the same sort of work? Or\n\nChannel 1: No. Different work.\n\nChannel 0: no?\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: it's kind of similar to it's got a retention leader for First Nations people.\n\nChannel 0: Yep.\n\nChannel 1: It keeps them in employment. So it's different from what I was doing, but it's kinda like in the supporting role that I was doing with NTG as well.\n\nChannel 0: Yeah. Perfect. So keeping them in work. That's fantastic. Excellent.\n\nAnd income wise, what are you sort of expecting to earn with this new role? You mentioned it was a bit more money.\n\nChannel 1: Yeah. 110,000. So with the NTG, I\n\nChannel 0: Perfect.\n\nChannel 1: was earning 92,000 per annum.\n\nChannel 0: Yep.\n\nChannel 1: But with this new route, it's 110 to add to and then I was thinking, what's the what was it? 97, I think. You know, when super and all that stuff is taken out. So I'm not\n\nChannel 0: Yep. Yep. So that that's including the super?\n\nChannel 1: Yeah. I'll just get it up for you. I'm just having a look at\n\nChannel 0: Yeah.\n\nChannel 1: the contract now.\n\nChannel 0: That's okay.\n\nChannel 1: Yeah. So a lot's been done because I have to transfer everything over that I had there before. Like, everything was all set to government. So it's been a long couple of weeks of transferring stuff over, hand over, all of that good stuff that you\n\nChannel 0: Yeah.\n\nChannel 1: do in your phone job.\n\nChannel 0: Absolutely.\n\nChannel 1: So cash salary, 90\n\nChannel 0: Yep.\n\nChannel 1: $8,214.29 per annum.\n\nChannel 0: Yep.\n\nChannel 1: Superannuation, $11,785.71 per annum,\n\nChannel 0: Yep. Yep.\n\nChannel 1: 1212% of ordinary time earning, and the total fixed renew renumeration is a 110,000 per annum.\n\nChannel 0: Okay. Perfect. So the 110 is including your superannuation there. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: And have you asked your new employer to continue salary\n\nChannel 1: Yeah.\n\nChannel 0: sacrificing at all, or is it something you've stopped for the time being?\n\nChannel 1: Yeah. I have I've just I've got my car through the salary sacrifice. So I have to I'm transferring that over now to the new employer.\n\nChannel 0: Yep.\n\nChannel 1: And just, yeah, just checking to make sure today that start that process because I've been told to take work off the payroll the other day, and I'm just waiting for SG Fleet to see if they've approved it all to see if they can transfer it over. Otherwise, I've already insured the car and everything can\n\nChannel 0: Yep.\n\nChannel 1: deductions\n\nChannel 0: Yep.\n\nChannel 1: for myself to pay it manually.\n\nChannel 0: Okay. Perfect. Perfect. And are you gonna be asking them to contribute anything additional to super over and above, like salary sacrifice into super at all, or you're not wanting to do that at the moment? Because I know you were doing that into one of your other super funds, your last job.\n\nChannel 1: Yeah. Yeah. I was doing it. I think it was Australian Super. I was just putting the extra $50 in there, but I'll now that's now that's gonna be canceled.\n\nSo I think once because I'm I won't be getting I'll be getting paid monthly\n\nChannel 0: Yeah.\n\nChannel 1: with the new employer. So\n\nChannel 0: Right.\n\nChannel 1: once I once I get my head around that\n\nChannel 0: Yep.\n\nChannel 1: what I was just gonna do, I was just gonna leave all my money in my account, like, you know, my normally fortnightly bills, but make\n\nChannel 0: Yep.\n\nChannel 1: it as a monthly thing. And\n\nChannel 0: Yep.\n\nChannel 1: I'll just leave it like that and then take whatever's available, I suppose. But, yeah, the bills are the same, I suppose. Bills\n\nChannel 0: Yep.\n\nChannel 1: are the\n\nChannel 0: Yep.\n\nChannel 1: same.\n\nChannel 0: Yep. No. That's okay. All good. So paid monthly, that'll be a little bit harder.\n\nHaving a secondary account could also work as well for you where you work out, divide your pay by, you know, four weeks for the month or however many weeks in the month. Sometimes there's a few extra days there. And then just maybe transfer over what you need that week and keep the rest out of your main account, which can also give you a bit of assistance there. But it also comes down to whatever works for you. So if having all the money there is easier, that's absolutely fine.\n\nBut that's just something that can work for for other people I know as well where they transfer majority of things out. They just have their weekly amount in there, and then they can you know, it helps them to out of sight, out of mind for a short period as well.\n\nChannel 1: Yeah. And that's, you know, that's a lot of the issue that I had last year. You know, like, I if I see the money in there, you know, when I was trying to make that savings account and everything,\n\nChannel 0: Yeah.\n\nChannel 1: I would, you know, I would spend it, but that's that's the whole reason I've got a GoldSaver, my\n\nChannel 0: Yeah.\n\nChannel 1: I think it was my direct debit, and I've got another one just\n\nChannel 0: Yep.\n\nChannel 1: so I transferred money to between accounts. But, yeah, if I didn't see it, it's even better, like, you know, the disabled account. So this is what when all this starts rolling out with this new\n\nChannel 0: Yep.\n\nChannel 1: job and the new pay, I\n\nChannel 0: Yep.\n\nChannel 1: wanna sort all that because it's to have that savings account that I don't can't touch. Do a gold saver, like, a thousand dollars to start off with or\n\nChannel 0: Yep.\n\nChannel 1: what else? Because I get my payout. I'm not sure when I get my payout from my resignation. That's another two weeks, they said,\n\nChannel 0: Yeah. Yep.\n\nChannel 1: you know,\n\nChannel 0: Perfect.\n\nChannel 1: once that happens. So then at the moment, I'm just living day to day, really, but I wanna I don't wanna be like this anymore.\n\nChannel 0: No. Absolutely not. Completely understand. Well, when you get the payout, you know, definitely put that away somewhere. When it comes down to savings, sometimes starting smaller is not a bad thing as well.\n\nSo just finding, you know, 20 or 30 or $50 on a weekly basis and moving that into your goal saver. So you build that habit slowly and gradually. And then as you get comfortable with the amount of money you're putting away and you get, you know, more comfortable with seeing it there and not transferring it back, then you can kinda build that up. Sometimes when we start with a larger figure, we put too much in our savings, and then we find we have bigger bills or something happens, and we need that money back. So we make a habit of bringing it back.\n\nSo starting off smaller is absolutely a good habit to start with as well, so you could always try that to see how you go. Okay?\n\nChannel 1: Yeah. No. That sounds perfect. That's just\n\nChannel 0: Yeah.\n\nChannel 1: yeah. But right now, because after Christmas, everything's just on did you want me to sign up on this this form here? Did you? Did you want me to sign\n\nChannel 0: Yeah.\n\nChannel 1: up?\n\nChannel 0: At the end of it, yeah. So that's your ongoing service agreement and all the bits and pieces. I'm gonna go through a lot of those documents and give you an update of of what's happening with your super and talk a bit more about your goals there. But at the end of it, I'll get you to sign. I don't want you to sign anything you haven't read, but we'll go through that in ongoing sales agreement shortly with you.\n\nOkay?\n\nChannel 1: Yep. Yep. I'm just having a look at it.\n\nChannel 0: That's\n\nChannel 1: Yep.\n\nChannel 0: okay. All good. While you are looking at it, let's touch on that now. It's a really good thing to sort of go through. The first document you'll see in this sorry.\n\nMine I sent the documents to you, but mine's a little bit slow to kinda bring them back up. But, essentially, it is showing you the ongoing service agreement that has been sent there. Essentially, you do as an ongoing service client, you do pay us an ongoing service fee of 1.65% per annum. That is deducted in smaller monthly increments out of your super account. And, essentially, the idea of a percentage based fee is that it fluctuates with the market.\n\nWhen the market is doing much better, it means that our fee is gonna be slightly higher, but you're benefiting from the greater returns. However, when the market takes a bit of a dip due to external market factors, the fee you pay us will also take a dip and be lower. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Essentially, to be because having a look at your super account, we with Christmas, everyone was a bit crazy. You're obviously in a bit of a transition there as well. So your ongoing service fee did actually switch off on your super account as of December. So this is the switching it all back on again so we can keep providing advice and keep servicing you as a client and keep looking\n\nChannel 1: Yep.\n\nChannel 0: after you. Okay? Perfect. So we do need that one to be signed and sent back. The underneath that, you've got your tax file opt in form.\n\nThat is just letting you know that we do hold your tax file number on file. We do have to because we help set up your super account and look after insurances and things like that for you. We just have to make sure you're aware of the information. We do hold on you. It is sensitive information, and we wanted to make sure we update our records so you're aware of that.\n\nOkay? Yep. Perfect. Those are the only two documents to sign. Jacob also organized for the external third party authority to be signed for your plum super, so we have got the information on that for you.\n\nBut attached to that DocuSign, we do also have some other documents there. I'm not sure if you can see the attachments. Can you see where the attachments are at all?\n\nChannel 1: No. Is that is that from Jacob?\n\nChannel 0: No. It should be attached to this docu this document, the Odoo sign here.\n\nChannel 1: No. I don't see anything\n\nChannel 0: No.\n\nChannel 1: there.\n\nChannel 0: That's okay. It might be so when you go out of the email then go back in, there should be some attachments there as well, but we have attached the financial services guide there for you. And that essentially outlines all of our services. It has a lovely photo of me in there for you, Brenda, so you can have a look at what I look like as well. It's got my registration information as I'm a registered adviser.\n\nI'm registered through ASIC and under OQ Financial Australian Financial Services license. We've also got on there your summary. Now this is a really good thing to kinda go through. So I can also email this to you separately after the course you'd like, but the summary sort of shows you your current balances within all the super funds and the insurances that you hold at the moment. So in Hub twenty four, your super balance is up to 94,000 set $94,013.66.\n\nIn Australian super, you've currently got a a balance of 22,069 and 54¢. And in Plum Super, a balance of $6,622.68. So we do wanna maybe look at trying to consolidate some of those things. Having three super funds open does mean you are paying more in overall fees, and it can affect your retirement moving forward as well. Does your employer your new employer with Ventia, have they they haven't stipulated that they have to transfer contributions anywhere?\n\nYou're fine having those in hub twenty four as you have always?\n\nChannel 1: Well, I've only just put well, at the moment, it's just it's just a plan at the moment, so I've gotta sort\n\nChannel 0: Okay.\n\nChannel 1: that out as well.\n\nChannel 0: Yep.\n\nChannel 1: So I haven't\n\nChannel 0: I\n\nChannel 1: transferred, like, you know, delegate allocated that\n\nChannel 0: yep.\n\nChannel 1: to Hub twenty four years. So that's another little thing I've gotta do, actually.\n\nChannel 0: Perfect. That's okay. We can get the contributions form sent to you with the Plum Super. So I'm just having a look at the statements here as well because I know you do have your insurance line, life insurance, and the funeral cover there, which is really important for you to keep. At the moment, the life insurance and the funeral cover is showing us a total sum insured of 200,512, and I know the funeral cover is also really important because you're covering your kids as well.\n\nAre you still comfortable paying for that level of cover out of your back pocket? You're happy with how that's\n\nChannel 1: Yeah. Well, I've been there for a long time with these mob now, so I don't know. Like, I've just been paying it because I don't trust that my kids would have their own plans, which they probably wouldn't,\n\nChannel 0: structured?\n\nChannel 1: but I don't\n\nChannel 0: Yeah.\n\nChannel 1: wanna attempt anything really.\n\nChannel 0: No. That's okay. And, look, you can keep the insurance line policy if you're comfortable with doing that. There's nothing wrong with that whatsoever. It's more just you are paying for that out of pocket.\n\nAnd, I mean, from what I can see here, you're paying about $29.61 per month. Is that sort of how much you're paying for that one at the moment? Has that altered since we last got the research?\n\nChannel 1: Yep. $29.61, and the other one is $47.14.\n\nChannel 0: 4714.\n\nChannel 1: Yeah. So one's funeral, one's wife.\n\nChannel 0: Yep. So that would be the life, and that will be the funeral. And because the funeral policies how much have you covered yourself and the kids for with the funeral policies recently? We're just waiting on the rundown from insurance line. So sorry.\n\nChannel 1: I think we were 15,000. I'm not sure.\n\nChannel 0: Yep.\n\nChannel 1: Each\n\nChannel 0: That's okay. H.\n\nChannel 1: I'm just gonna go through back I just saved another day because when I had to go and renew, but I have to probably increase it all for all of us again because I just attended a funeral, and they they they're paying 20,000 for the funeral and the slot and everything. So I was like, well, I probably need to increase my plan.\n\nChannel 0: Well, those funeral policies, do they increase along with CPI? Do they increase every year as it goes through renewal?\n\nChannel 1: I'm not sure. I'm honestly not sure what happens\n\nChannel 0: That's\n\nChannel 1: there.\n\nChannel 0: okay. I can go and have a look at that for you. I'll tell you what. I'll do a bit of research on those policies because I haven't done a lot of research on those policies recently for you. So I'll go back and have a bit more of a dig around the policies, what they offer, what happens with them, how they increase.\n\nThat way we can kind of look at that for you. Happy to have you continue to pay for them. It's not a problem at all. I just wanna make sure I understand the policies in detail to kinda give you that information so you understand what it is that you've got. Okay?\n\nChannel 1: Yeah. Because I've got what the\n\nChannel 0: Mhmm.\n\nChannel 1: hell is that? Yeah. This one here. I've just yeah. Because I downloaded them all the other day.\n\nI'm just\n\nChannel 0: Mhmm.\n\nChannel 1: looking at one. I think it's the life cover. What's that mean? Benefit, 167,000. I don't get it.\n\nThat's the $29.61 per fortnight. That's the life cover.\n\nChannel 0: Mhmm.\n\nChannel 1: And then you got the funeral. That funeral that life on the house.\n\nChannel 0: Okay. Ironically, you guys have just got the rundown emailed through, so I'm just pulling it up now to give you a hand with it. It's worked out really well, actually. So fortnightly.\n\nChannel 1: 41\n\nChannel 0: Okay.\n\nChannel 1: 70 47404714, and all my kids are insured for $11,222. That's kind of crap, but yeah.\n\nChannel 0: Yep. So your life cover, there is 200,512 of life in the event that you pass away. And then I what have we got? What's the increase? The total insurance line haven't give us anything on this funeral cover.\n\nThey've only given us a life cover policy, but that's okay. I'll go back and find out more about that. But I'm just having a look at the standard cost of funerals because it is different depending on the kind of funeral that you do want or what they want to happen. Essentially, in Australia, the average funeral cost can range between 4,000 to about 15,000. It can be more if you have more elaborate sort of burials and things like that.\n\nBut it really just depends upon what you do as well, whether you have to invite lots of people, whether you have lots of flowers, whether you have a really elaborate coffin, or whether you just kind of go through the cremation process, in which case it kinda can be a little bit cheaper as well. But estimated average cost of, say, cremation with no service, no attendance is about 2 to 4,000. With service, it's about 4 to 6,000. Burials are the ones that cost a bit more because you have to buy the plot and hold that for longer. So, realistically, the amount you have for them could be fairly sufficient.\n\nAnd if insurance line do increase the policy along with time, then you may be able to it may just automatically increase, which might help you along as well. Does that make sense?\n\nChannel 1: Yep. Well, I've got the two documents here, the two statements that the policy schedules. I don't know. But because I have I've got them saved on my computer over here, but you've\n\nChannel 0: Yeah.\n\nChannel 1: got access\n\nChannel 0: Yep.\n\nChannel 1: to them as well? Or\n\nChannel 0: Yeah. We have we have authorities on there. So I'll get the team to go back to insurance line and get through the schedules for the in for the funeral policies as well. We'll get that information updated. If they need a new authority or anything assigned, I'll get them to come back.\n\nI know they got you to sign one the other week for the plum sleeper. So if there's anything we'll need, I'll get them to come back. But I'll go back and do a bit of research and have a really good look at everything for you. Okay?\n\nChannel 1: Yeah. Because it's just you know, like, I've got I've been with insurance line watch it since 2011.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. I've had this in cover, you know. And I've been just paying it, you know, like, normal and it's about $70 a fortnight. So I'm just I don't know if I should revisit it visit it and increase it to 15,000 for the funeral plan and I don't know. But it's just gonna work out within my budget as well now.\n\nSo because I'm not working two jobs. I'm back to one job. I've insured my car. I've got\n\nChannel 0: Yep.\n\nChannel 1: health insurance too now. So just\n\nChannel 0: Yep.\n\nChannel 1: a lot of stuff that I don't need enough. I should get health insurance, but because of the dental work that I just recently had. Yes. A lot of stuff is I want to actually knock down right this year,\n\nChannel 0: Yes.\n\nChannel 1: like,\n\nChannel 0: Yes.\n\nChannel 1: starting right now and and, you know, set up these savings accounts and be financially stable.\n\nChannel 0: Yep. Yep. That's okay. Well, we can certainly help guide you along the way. With the the insurances, did you want us to maybe obtain a quote from insurance line for you to see what it would cost if you did increase that just so you can see the difference?\n\nChannel 1: Yes, please.\n\nChannel 0: Yep. How much did you think you wanted to increase the funeral policies to?\n\nChannel 1: Yeah. Well, like I said, I went to that funeral just no longer, and that was 20,000. And that was just a little service at the at the the funeral place, and then they went to the they went to the ground, you know, and then they had the wake and, you know, like, all this they reckon it cost about $20, and I'm like, what? That's all.\n\nChannel 0: Yeah. Right.\n\nChannel 1: And it's just, you know, like, it was all over and done with within a freaking couple of hours, but I don't know.\n\nChannel 0: Yeah.\n\nChannel 1: I don't\n\nChannel 0: No.\n\nChannel 1: know\n\nChannel 0: That's\n\nChannel 1: what\n\nChannel 0: okay.\n\nChannel 1: because I know, like, my kids will probably all they will work, and they had to have cover with their their, you know, their superannuation.\n\nChannel 0: Mhmm.\n\nChannel 1: I don't know. I just don't know.\n\nChannel 0: That's okay. Well, I can have a look I can have a look and send you through a copy of the quote to show you what the difference is, and you can let me know what you wanna do with that. It's not a problem at all. Okay?\n\nChannel 1: Yes, please.\n\nChannel 0: Oh, good. Now with the plum Super, I'm just having a quick look at the insurance side of things with the super because with the Australian Super and the Plum Super, you've had the Australian Super for a while now, and it looks like you do have some insurances in both those super funds as well. So we just wanna sort of wanna work out what insurance wise is important because you do have that cover with your life cover with insurance line that you're paying out of pocket, and that covers you for 200,000 sorry. Let me go back there. 200,512.\n\nIf you were to having a look at your circumstances now, if you were to pass away, what did you want your funeral like, what did you want your life cover to pay off? Would it be all your debts, or what did you want your life cover to to actually cover?\n\nChannel 1: Funeral, step, and then the rest of my kids.\n\nChannel 0: Yep. Beautiful. You had a few buy now, pay laters and things like that. Do you you still have all of those?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Perfect. Have the debts decreased a little bit since since we last caught up, or are they still roughly the same?\n\nChannel 1: They're roughly the same because I just had my tooth out, and I put that on Afterpay, and that cost a thousand bucks. It's like, oh my god. Stupid\n\nChannel 0: Yeah.\n\nChannel 1: tooth. Yeah. And, you know, because I don't yeah. Because I didn't have I don't have health insurance either. So a lot of stuff, kind of like my last Afterpay will be finished on the March 13.\n\nChannel 0: Yep. Okay. That ain't that much. And are you planning to keep it open? Are you gonna cancel it and sort of put the money onto the next step and try to reduce the amount of buy now,\n\nChannel 1: Yeah.\n\nChannel 0: pay ladders you have?\n\nChannel 1: Yeah. Because remember you sent me that budget through?\n\nChannel 0: Yep.\n\nChannel 1: I\n\nChannel 0: Yep.\n\nChannel 1: tried to have a look at it all, but I just didn't understand what it meant. So because I've still\n\nChannel 0: Yeah.\n\nChannel 1: got\n\nChannel 0: It's\n\nChannel 1: it here.\n\nChannel 0: okay. Yeah.\n\nChannel 1: Yes.\n\nChannel 0: So the idea of the the budgets is you're starting off by paying one thing at a time. So using your free cash flow that you have, paying down the smallest debt first, and then closing it off. Closing it off is going to be the biggest benefit because if you have it open, you're more likely to still use it. So Afterpay was the shortest debt. It was the one that we were closer to paying off.\n\nAnd, again, it looks like it it might be the smallest debt. So using whatever free cash flow, you have to pay that down as fast as possible. Once it gets to zero, you close it off and you remove it. Then the money you were putting on that after pay, you put on to the next final pay later. You pay that down on a regular interval with the same amount, and you'll end up paying it off a lot faster.\n\nOnce it gets to zero, you close it, and then you it's just like a trickle effect. You focus on one debt. You're still paying off all the others at the same rate. This is you're focusing your free cash flow on one particular debt. That way, you're knocking it out quickly, and focusing on one And focusing on one debt at a time and doing it this way gives you little wins.\n\nIt's a\n\nChannel 1: Yep.\n\nChannel 0: it's\n\nChannel 1: Yep.\n\nChannel 0: a and finding the smallest one helps you because as human beings, our psyche wants us to see progress. We get excited when things are working in our favor, things that make us happy. So if we focus on the smallest debt first, you pay that out, you feel better, you know you've achieved something, and then you close it off and you work on the next one. And you start to feel better, and you're building habits by doing that as well. So that's essentially what that advice document was.\n\nIt was just showing you where you could save some money to increase free cash flow, how you could utilize your savings to use to buy the chemist warehouse products because you were basically being able to free up money to do that. So then you could pay off your Afterpay, close it, and then use the money to the next step, then the next step. And the last one was that really big debt that you had everything consolidated to. Once you've closed off everything else, they will let you pay it off faster. They just wanna know where the money's coming from.\n\nSo you just let them know that, essentially, you've you've freed got some free cash flow. You've, you know, freed up some money. You wanna pay it down, and that'll allow you to do that. And that's how you sort of get all of those debts paid down faster in, you know, an easier way, but it helps to make you feel better as well because you feel like you're achieving something as you close one off. Does that make sense?\n\nChannel 1: Yep. Exactly. I just\n\nChannel 0: Yep.\n\nChannel 1: wanted to put I just wanna put in a, like, practice all. Because it's just like after, you know, Christmas time, just\n\nChannel 0: Yeah.\n\nChannel 1: took everything. And I'm and\n\nChannel 0: Absolutely.\n\nChannel 1: I just started paying all that Christmas stuff off now, and\n\nChannel 0: Mhmm.\n\nChannel 1: then come around the corner for this other stuff from the\n\nChannel 0: Yep.\n\nChannel 1: dentist and just my chemist warehouse stuff that I always go and get, but just all these other little bitsy bitsy things. I just got got a bit carried away, and now I'm paying for it.\n\nChannel 0: Yep. That's okay. No issues at all. So with with the debts that you do have at the moment, do you know the total of all those of all the afterpays, the consolidated debts, the credit cards? Do you know what the total is owing on all of those at the moment?\n\nChannel 1: Credit cards. What credit card? I've got Afterpay,\n\nChannel 0: Yep.\n\nChannel 1: Nimble,\n\nChannel 0: Yep.\n\nChannel 1: MyWayForward,\n\nChannel 0: Yep.\n\nChannel 1: Push,\n\nChannel 0: Yep.\n\nChannel 1: my tax debt that I pay as well every fortnight, that's 3\n\nChannel 0: Yep.\n\nChannel 1: 3,000 something. And now that I've just got the health insurance and Budget Direct as well, so when I looked at my bills for this fortnight, $3,645 it came to you, and I don't even know where I'm gonna get that from right now because it's like, I know I can pay the other bills. I just can't pay that bill. So\n\nChannel 0: Yeah.\n\nChannel 1: I'm done. Drop Peter to\n\nChannel 0: No. Understandable.\n\nChannel 1: pay\n\nChannel 0: So\n\nChannel 1: Paul\n\nChannel 0: it's about 3,000 and\n\nChannel 1: again.\n\nChannel 0: 45 on a monthly basis for everything.\n\nChannel 1: Just this yeah. You might as well say 3,645.\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: So that's a fortnightly thing.\n\nChannel 0: Mhmm.\n\nChannel 1: Let me just have a look at this here. I can 3. Yeah. It would be roughly about $3.\n\nChannel 0: Okay. Perfect. So if you were to sorry. Go back into the solar life insurance sort of things. But if you were to pass away, that 200,000 because you don't own your own home at the moment, you don't have any mortgage to cover.\n\nDo you feel like that would be sufficient to cover all of your debts and then cover and you've got your funeral cover there as well? And then also provide a little bit to your kids knowing your super benefit is also paid out, so that's also part of it.\n\nChannel 1: Yeah. I bet my when I looked at my overall debt, I think it's about 20 30 twenty twenty five, 30 grams.\n\nChannel 0: Okay. Yeah.\n\nChannel 1: That's\n\nChannel 0: Perfect.\n\nChannel 1: it.\n\nChannel 0: So\n\nChannel 1: Maybe\n\nChannel 0: so if we\n\nChannel 1: 10.\n\nChannel 0: add it all together because your balance between all three funds is around about a 122,705 and 88¢. And then, obviously, your life insurance with insurance line there, 200512. So it does provide a total benefit based on the current scenario of 323,217\n\nChannel 1: Mhmm.\n\nChannel 0: and 88¢. So then if you've got, say, $30,000 in debt as an example, that could pay all of those out. Sorry. My computer just\n\nChannel 1: Yeah.\n\nChannel 0: froze.\n\nChannel 1: Because I think I've got yeah. Because, you know, even if I bought my car,\n\nChannel 0: Mhmm.\n\nChannel 1: because that's on the salary sacrifice, I've only got two more years to go on that. The residual is about 15,000 to pay out\n\nChannel 0: Okay.\n\nChannel 1: as well. So\n\nChannel 0: Yep.\n\nChannel 1: I've only got two more years on that lease.\n\nChannel 0: Okay. So let's say so twenty, thirty. So let's just say it was about 50,000 all up as an example. You know, the benefit paid out minus, say, $50,000 in debt coverage leaves about $273,217.88, which can you know, if as per your instructions, you've mentioned you wanna have that then divided amongst your killed your kids in a certain way. Does that sound like\n\nChannel 1: Yep.\n\nChannel 0: enough to provide? Yeah.\n\nChannel 1: They're they're all working, but, you know, like, this extra money, I don't know, it helps\n\nChannel 0: Yeah.\n\nChannel 1: them out. Yep.\n\nChannel 0: Because you've got four kids, don't you? Yeah. Perfect. So divide that by four. It's about 68,000 each.\n\nYou know what I mean? We're not all working just to make sure that, you know, they get a huge benefit once we all pass away. The idea of having life cover is a benefit to pay if something was to happen, basically, for covering debts and living expenses and things for your family. But having it just to give your kids a benefit is not always the best thing because we often don't claim on it. We often end up getting to $60.65 and deciding we don't need it anymore and canceling it.\n\nSo that would essentially, based on the current scenario, could provide about 68,000 to each of your kids, which do you feel like that would be comfortable?\n\nChannel 1: Yeah. That's enough for them.\n\nChannel 0: Yeah. Nice.\n\nChannel 1: That's enough. Like, you know, that's just mama's mom's little thing that I can do for them, but that's\n\nChannel 0: Yeah.\n\nChannel 1: all that that's all I can give them, really.\n\nChannel 0: Yeah. No. That's okay. That's absolutely fine. So with the Australian Super and the Plum Super, I'm having a look here.\n\nYou do have a bit of cover. So when you opened up these funds, you must have picked yes to apply for a basic level of cover. They have got insurances in here, so I do have to talk to you about what you wanna do with those because I don't we don't wanna cancel them if you felt like you do need them, but at the same time, having three super funds open isn't generally preferable. Especially if you're not contributing to those funds. Those insurances do cancel eventually.\n\nSo with the Plum Super, the amount of cover because your employer contributions are still going to there at the moment. Plumb sorry. I'm just going down on the document.\n\nChannel 1: That's alright. I'm just trying to write this email to my bank here because they're taking because you remember how I was well, I was working two jobs while I was asking\n\nChannel 0: Yes.\n\nChannel 1: them because last financial year, I end up getting a tax bill for 3,000 because I wasn't paying the extra\n\nChannel 0: Yeah.\n\nChannel 1: money on top of my super to cover it, you know, when they do that kind of stuff. So that was yeah. That's been taken, like, nearly 600 out for my tax tax as well just so I don't get billed\n\nChannel 0: Wow. A tax\n\nChannel 1: this one\n\nChannel 0: though?\n\nChannel 1: or two\n\nChannel 0: Yeah.\n\nChannel 1: here. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: So I've been paying more than I should be.\n\nChannel 0: Yeah.\n\nChannel 1: So I was just doing an email from my payroll to stop it. Stop the contributions of extra funds now that I've only got one\n\nChannel 0: Yep.\n\nChannel 1: job.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Makes sense. Yeah.\n\nChannel 1: Yes.\n\nChannel 0: Definitely.\n\nChannel 1: So\n\nChannel 0: That's\n\nChannel 1: I'll just\n\nChannel 0: okay.\n\nChannel 1: yeah. Because it I'm just writing how to write it, though. That's that's the only thing. Can you please adjust this to the correct monthly? I don't know what to say.\n\nTax deductions. Is it tax deductions?\n\nChannel 0: Yeah. Tax rate\n\nChannel 1: Tax correct tax rate.\n\nChannel 0: due to change in circumstances.\n\nChannel 1: Yeah. Tax rate.\n\nChannel 0: I just let you know you only have one job now.\n\nChannel 1: Yes.\n\nChannel 0: Yeah.\n\nChannel 1: Because I only have one job. I'm\n\nChannel 0: You're right. With Brenda, with the Plumb Sleeper, it looks like there's no insurances here, which is a benefit to Plumb, so we can definitely look to consolidate that. There's no cover in this one. It would be due to the balance being lower. It's only 6,622.\n\nBut\n\nChannel 1: Yeah.\n\nChannel 0: in the Australian Super, you do have a 150,000 of life and total permanent disability cover. Would you feel like that is something you wanted to keep on top of your current insurances and the benefit we've just discussed, or is it something that's not important to you? How do you feel about the insurances in AustralianSuper and the level of cover?\n\nChannel 1: Yeah. But I I might pay because I've got three well, I've got those two. You know, I've got Hub and I've got Australian Super. Would it be beneficial to have both of them? Like or is it just I don't know.\n\nI don't know because I'm paying\n\nChannel 0: Yep.\n\nChannel 1: fees.\n\nChannel 0: Yeah.\n\nChannel 1: And I\n\nChannel 0: Correct. Correct.\n\nChannel 1: I didn't know I was keeping keeping Australian Superforce stating it just in case anything goes wrong with my hub 20\n\nChannel 0: Yeah.\n\nChannel 1: four. So, you know, like\n\nChannel 0: Understandable.\n\nChannel 1: I don't\n\nChannel 0: There\n\nChannel 1: know.\n\nChannel 0: may be that's okay. There may be some ways where we might be able to look at trying to keep the cover but still being able to consolidate you. So I will look at all the different options to see what we can do. I just am trying to pull up your previous pre assessment you completed to see when that was. I'm not sure when that was.\n\nI might is it okay if I get the team to oh, actually, the last one here was in 2024 because just to see how what other options we might have for being able to help consolidate but retain the cover amounts you want. It doesn't look like we have a pre assessment we did back in 2024. Back then, you were didn't really have anything disclosed here. If I was to book in, maybe a call with one of my lovely admin team one day, maybe next week to go through a new pre assessment just so I can have a look at what we can do with the insurance and where we might be able to go advice wise to help consolidate and not have so many super funds. Would that be okay?\n\nChannel 1: Yes, please.\n\nChannel 0: Yep.\n\nChannel 1: Because\n\nChannel 0: Beautiful.\n\nChannel 1: I know that a while back, you were looking at another insurance company for\n\nChannel 0: Yep.\n\nChannel 1: me that would\n\nChannel 0: Yep.\n\nChannel 1: be cheaper that would be cheaper as well. But, you know,\n\nChannel 0: Yep.\n\nChannel 1: like, what does it mean for the one that I've already had? You know, like, I've been with insurance line since 2011.\n\nChannel 0: Yep.\n\nChannel 1: What\n\nChannel 0: Well,\n\nChannel 1: does\n\nChannel 0: it doesn't\n\nChannel 1: that mean?\n\nChannel 0: matter what we you can still keep that. You can absolutely keep that. So what I'll look at doing what I'm looking at trying to do is to see whether I can maybe keep the Australian superinsurances and just transfer them to Hub twenty four. But I just need to do check your health and check your pre assessment to see if there's been any changes since we last did one and to see what options we have for doing that and what the costs are. So I'll book in a time for my team to do a bit of a pre assessment with you there, and then we can go forward and have a bit of a look at whether transferring is an option.\n\nThat way, you can keep that extra level of cover. Either way, you can keep the Australian line sorry. Insurance line cover open. That's not a problem at all. It does not in any way, shape, or form affect the advice, and you're paying for out of pocket.\n\nSo it doesn't affect your super funds either. Okay?\n\nChannel 1: Okay. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Because\n\nChannel 0: What\n\nChannel 1: we have\n\nChannel 0: what\n\nChannel 1: we have '24. What's the insurance\n\nChannel 0: yes.\n\nChannel 1: like there?\n\nChannel 0: With\n\nChannel 1: Like, is\n\nChannel 0: HUB24\n\nChannel 1: my balance yeah.\n\nChannel 0: it it honestly depends upon what we do. I've gotta do a bit of research around Hub twenty four, what the insurance options are. I need to do the pre assessment to assess, you know, what we can do and what we're able to do. So I'll do the research on that for you. If you like, I can do that research.\n\nI'll get you booked in to do a pre assessment. I'll do the research for you on the options, and then we can come back and talk about it. Does that sound okay?\n\nChannel 1: Yeah. Yeah. That sounds great. And because I was\n\nChannel 0: Yeah?\n\nChannel 1: thinking oh, what was that? I just had a brain, but I thought what was it in my insurance line. Because you know how well, well, I went on to compare the market and compare\n\nChannel 0: Yes.\n\nChannel 1: so I compare health, compare but, you know, my car insurance, all that. Is there\n\nChannel 0: Yes.\n\nChannel 1: something like that you can do where you compare life insurance, funeral insurance, and what will be more suitable to my, you know, to my fortnightly wage or monthly wage that I can afford. You know, like, I don't know. I've got all these funds that I'm paying money here and there. Which one? What do I do?\n\nWhat do\n\nChannel 0: Yep.\n\nChannel 1: I do? Because I've got,\n\nChannel 0: Yep.\n\nChannel 1: you know, Australian Super. I've got that 160,000 life insurance there, and I've got I don't know what I've got with HUB24, and then I've got this other insurance with insurance line as well.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: There's\n\nChannel 1: I've got\n\nChannel 0: no insurances in Hub twenty four at the moment at all. There's nothing being paid out of Hub at the moment insurance wise. Yep.\n\nChannel 1: okay.\n\nChannel 0: But I'll look at what I can do. What day next week suits you best to maybe go to a quick pre assessment with one of my beautiful admin team?\n\nChannel 1: Well, I start my new job as Monday, so probably busy\n\nChannel 0: Mhmm.\n\nChannel 1: at the beginning of the week. So let's probably make it Friday at the end of the week, I reckon.\n\nChannel 0: Yeah. That's okay. We're open till about 02:30. Our last call is normally run at 01:00 on a Friday. Would that suit you at all, or did you want kind of the morning?\n\nChannel 1: No. Good afternoon will be fine.\n\nChannel 0: Yeah. Perfect. So that'll be about 1PM on Friday next week, which is the March 6. Is that okay?\n\nChannel 1: Yep. That's perfect.\n\nChannel 0: Beautiful. It won't take long. I'll just run through a bit of a pre assessment questionnaire. We just update what we already have on file, and then I can go and do a little bit of research to see what options we have. And then I can come back and talk to you about it before we go to advise if you like.\n\nThat way, you get a feel for what we're looking at, what we're trying to do, and it helps you to maybe think in the meantime what it is that you're after when we're looking at insurances, what you want to happen, that sort of thing. Does that sound okay?\n\nChannel 1: Yep. Sounds perfect.\n\nChannel 0: Perfect. Excellent. Now the other thing to sort of have a look at, look, your Superfund within Hub twenty four has done really well over the last twelve months. As I sort of mentioned that you have got about 94,000 in there. We have seen a little bit of a dip with one of the funds.\n\nSo in your super fund, you've got a diversified portfolio. We have Australian equities. We've got US investments. We've got global health care, Asian investments, and we've got some cybersecurity to agriculture and battery and lithium tax. Within your portfolio over the last twelve months, your Australian the Benelon Australian Equities Partners has invested into Australian companies.\n\nThat is down a little bit. They've had a bit of an issue underlying. I would like to maybe swap that out as part of the advice update, but we'll do all this at once so you can see everything. But, realistically, your portfolio was slightly down because of that investment. Overall, it's about 1% down, but you've still made a lot of money over the time.\n\nAnd when we look at how your portfolio has been growing over the last couple of years, you're still up overall. So just a small sort of pullback in that one investment, I wanna take it out and put something else in its place that's been working better and is gonna provide benefit. You comfortable with that?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. Do you know what age you'd like to be able to maybe stop working and retire? Are you working on 60 still, or do you think you'd work a bit longer?\n\nChannel 1: Probably 65, I reckon.\n\nChannel 0: 55? Yep. Perfect.\n\nChannel 1: Yeah. About six yeah. About 65. But, you know, like, if I make some good money, I'll I'll retire early. I don't wanna be working working\n\nChannel 0: Tell\n\nChannel 1: for\n\nChannel 0: you\n\nChannel 1: some\n\nChannel 0: what.\n\nChannel 1: of\n\nChannel 0: If if we won lotto,\n\nChannel 1: my\n\nChannel 0: we'd all be out tomorrow, would we not?\n\nChannel 1: life. Yeah. And I don't wanna do that either. I don't wanna pay\n\nChannel 0: No.\n\nChannel 1: that. 1 in a million. You can't even know that stupid thing.\n\nChannel 0: Yeah. No. That's okay. $2.00. It's always the people that don't need the money that win the lotto.\n\nChannel 1: Yeah. Exactly.\n\nChannel 0: $6.19 77. So you're 49 this year.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. So we're working on 65 at the moment. That's okay. You've never had investments in your own name before?\n\nYou've never owned shares before at all?\n\nChannel 1: No.\n\nChannel 0: Nope. That's okay. All good. And where are we? The other thing I wanted to sort of look at was if you looked at your super and it dropped by 20% to say we have, you know, another kind of COVID or GFC GFC style event and your super dropped significantly by, say, 20% in the next sort of six to twelve months.\n\nHow do you think you might be feeling about that?\n\nChannel 1: I'll be upset because it's like,\n\nChannel 0: Yeah.\n\nChannel 1: what do I do? You know, like, what are you doing? Like, are you just watching the market for me? Like, you know,\n\nChannel 0: Yep.\n\nChannel 1: I don't want to see a big breakdown, like, my my super decreases from $9.06 to 70. You know,\n\nChannel 0: Mhmm.\n\nChannel 1: like, I don't know what's gonna happen with that part. But, yeah, I'd be very bummed out if I see a lot of a big drop because as I've moved over to Hub 24, I've seen it grow. You know? So that's the whole reason that I wanna actually retire with\n\nChannel 0: Yes.\n\nChannel 1: money.\n\nChannel 0: Yep. Yeah.\n\nChannel 1: But,\n\nChannel 0: No.\n\nChannel 1: yeah,\n\nChannel 0: That's\n\nChannel 1: it's\n\nChannel 0: okay.\n\nChannel 1: okay. It's just what you guys can make sure that all the right choices and what that, you know, investments are being done right\n\nChannel 0: Yeah.\n\nChannel 1: for my\n\nChannel 0: No.\n\nChannel 1: for\n\nChannel 0: Under\n\nChannel 1: my\n\nChannel 0: understandable. Yeah.\n\nChannel 1: yeah.\n\nChannel 0: So, Brenda, with your portfolio at the moment, you are, from what I can see, in a bit more of a high growth environment there, and I'll go back and obviously double check the asset allocation as well. But that that essentially means that you are taking a bit more risk in the market in order to get those greater potential returns. So when we look at your super because you are wanting more returns, you are wanting those bigger numbers when it comes to your performance, you are taking more risk in the market to obtain that. And when we look at the high growth portfolio, because markets do go up and down and we can't predict what's gonna happen, the idea is we're participating in the market and and utilizing those downtimes to our advantage. But in this sort of portfolio that you're in, you do expect a negative return one in every sort of five years.\n\nAnd if the GFC style event came, no one can predict that. So not only would your HAB twenty four have to go through that, but every super fund would as well because that's, you know, it's generally Australia wide worldwide sort of event. Would you be comfortable knowing you were going through that sort of event and that your portfolio can come back and recover and that we're putting money into that downtime to advantage you, or do you think you'd be more concerned and wanting to move money out?\n\nChannel 1: No. Just Just the one that you first said before that before\n\nChannel 0: So\n\nChannel 1: that.\n\nChannel 0: you'd\n\nChannel 1: Yeah.\n\nChannel 0: you'd you'd be okay knowing that you can come out, that we're still putting your contributions in, and that you can take advantage of those downtimes?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Yep. Perfect. No. That's okay.\n\nBecause with where you are at the moment, the high growth sort of portfolio does suit someone who has at least eight years before they're wanting to access your super, you do generally sit within that sort of area when it comes to time horizon there. And this sort of portfolio, we are looking to try and average around about a 8% eight to 10% return on a yearly basis compounding that forward there. Do you feel like you're comfortable staying in that sort of environment? The way you've answered the questions, I sort of feel like you are fairly happy to stay in that one, though market drops would make you a bit more concerned. Are you comfortable taking on more risk to try and get better returns knowing that?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Yep. Beautiful. Did you want me to maybe look at salary sacrifice in the super and making additional contributions to help you meet your goals, or\n\nChannel 1: Probably down the track right now because I know that with my Australian Supernova that I finished with NTG, my that salary sacrifice stuff will stop with them because I was contributing $50. I I don't know. I was with $20 or $50, but I was contributing out of that. So that will stop now. But yeah.\n\nNo. I would definitely like to contribute a little bit more\n\nChannel 0: Yep. Yep.\n\nChannel 1: out of\n\nChannel 0: Did\n\nChannel 1: my\n\nChannel 0: you want\n\nChannel 1: my\n\nChannel 0: me to incorporate that into the advice and maybe look at something small? We can start with 20 or $40 on a weekly or fortnightly basis and then kinda work it from there, or do you\n\nChannel 1: Yep.\n\nChannel 0: want that something down the track?\n\nChannel 1: Yeah. No. It's working in probably in the next month or so because\n\nChannel 0: Yes.\n\nChannel 1: I\n\nChannel 0: Perfect.\n\nChannel 1: I don't I don't\n\nChannel 0: Yep.\n\nChannel 1: even know how this is all gonna work. I'm just I\n\nChannel 0: That's\n\nChannel 1: know that\n\nChannel 0: okay.\n\nChannel 1: all my account all my money in one account that covers the bills\n\nChannel 0: Yeah.\n\nChannel 1: and whatever left over, I can put in another account. That's what I have to live off.\n\nChannel 0: Yeah. Perfect. Do you think you'd be comfortable starting with 20 on a week or fortnightly basis or 40? What do you think starting point might look comfortable for you?\n\nChannel 1: 40.\n\nChannel 0: 40 on a weekly or fortnightly basis. Sorry. I know you're paid monthly.\n\nChannel 1: Yeah. Monthly.\n\nChannel 0: Monthly? That's okay. So 40 per month to start with. We can have a look at that. And then as time grows, we can always alter.\n\nStarting that sort of thing now does provide a greater benefit because you are starting you've got a longer time for the compounding effect to work for you. So\n\nChannel 1: Yep.\n\nChannel 0: I can incorporate that into the advice for you, and we can update all of that. That's not a problem at all. Okay? Perfect. Now the only other thing to sorta look at here is with your estate planning side of things, I can see on one of your super funds here, you've got it noted that you want the funds to go to your kids.\n\nChannel 1: Yep.\n\nChannel 0: All of your kids are working in nontax dependence. Did you want me to factor that in as in the most tax effective way? Because, realistically, by nominating each of your children, if in the event you were to pass away, if they're receiving your super, they can have to pay tax on that when they receive it. So I can look at a way to incorporate your state planning to nominate them if that's what you're comfortable with in the most tax effective way for\n\nChannel 1: Yes, please.\n\nChannel 0: you. Yep. Perfect. And have you spoken to a solicitor or had a will drawn up in the past few years at all?\n\nChannel 1: No. But that's what I wanna get done to this year.\n\nChannel 0: Okay. That's okay. Not a problem at all. We can incorporate the estate planning side of things for you. And with implementation, we can always send you referral information for a local solicitor we use and, obviously, costing so you can understand what that cost as well.\n\nIs that okay?\n\nChannel 1: Yep. Yep. Yep.\n\nChannel 0: Yep.\n\nChannel 1: That sounds right.\n\nChannel 0: Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful.\n\nChannel 1: That sounds right. And,\n\nChannel 0: Excellent.\n\nChannel 1: you know, the, you know, the situation I'm in now,\n\nChannel 0: Yeah.\n\nChannel 1: we've got bills and what was I gonna say? Investment in property? Like,\n\nChannel 0: Yep.\n\nChannel 1: is that is that gonna be an option down the track? Like because, you\n\nChannel 0: Yep.\n\nChannel 1: know, I live in I live in I live in these flats right now, and\n\nChannel 0: Yeah.\n\nChannel 1: I would love to buy one of these just as an investment property. And\n\nChannel 0: Yeah.\n\nChannel 1: just, you know, because\n\nChannel 0: Absolutely.\n\nChannel 1: they they they go just like that, and the rent the rent that they charge, the one that I'm paying now,\n\nChannel 0: Yeah.\n\nChannel 1: like,\n\nChannel 0: Yes.\n\nChannel 1: you know, it's it's a bloody good investment.\n\nChannel 0: Absolutely. No. Look. It definitely is. With what I would be looking at doing first is focusing on the paying down of the debts because, realistically, investment property is great.\n\nIt's a good asset. And down the track, you absolutely can. However, they do look at your income and the debts that you have. And the more buy now, pay later options you have, lenders do actually look they're gonna be on those. So if you can pay off those buy now, pay laters, close them down, and then start saving, You'll basically be showing that you've got a savings habit, that you've paid off your debts, so that you've got that you're able to manage money, and that's what lenders are gonna look really positively on.\n\nSo that is something you can definitely look at down the track. We can always just say to a mortgage broker when you are ready and when that time comes. But for now, I would be focusing on you getting your debts paid down, closing off a lot of those buy now, pay laters, and then putting money into savings on a regular basis so you've got a savings habit. And then we go to the mortgage broker and look at what you can borrow, what you can buy, and how we get there. But doing things one at a time, but knowing that your long term goal is perfect.\n\nDoes that help? Does that make sense?\n\nChannel 1: Yeah. Yeah. No. That's definitely\n\nChannel 0: Yep.\n\nChannel 1: yep.\n\nChannel 0: Perfect. Perfect. So goal wise, we're paying down debt. So you wanna get an investment property down the track and into the property market there. With your super, we're working on age 65.\n\nYou wanna look at what to do with the insurance cover. You just wanna be covered for best amount of in life of cover as possible. You don't have any income protection cover or anything there. Do you know do you have obviously, you're starting this new job as well. But if you were really sick or injured and you were not able to go to work, how do you think you would fund expenses at the moment?\n\nChannel 1: Yeah. And that's another thing that I wanted to bring up too, that income protection. So none of my superannuation covers any\n\nChannel 0: No. Correct. So we don't\n\nChannel 1: of\n\nChannel 0: have any\n\nChannel 1: that?\n\nChannel 0: at the moment, and it does leave a bit of a risk and a gap there. If you're not able to go to work in the short term, being as you are single, it does mean with not much in the way of savings and the expenses you have at the moment, it might be hard to live, which means you may have to apply for Centrelink, which can take anywhere from thirteen weeks for approval. So I can look at maybe some income protection options, have a look at what's out there, what's available, and we'll do the pre assessment. I'll do some research on some options, and then we can come back and have a really good insurance conversation about what you're after. Does that sound okay?\n\nChannel 1: Yes, please. Because I've seen a lot\n\nChannel 0: Beautiful.\n\nChannel 1: of that come up lately, and I just you know, single mom. Well,\n\nChannel 0: Yes.\n\nChannel 1: act yeah. My daughter's moved out now, so it's just me. But I always make sure that if I've come down with anything that I can't work, I need to be protected, that I can still have\n\nChannel 0: Correct.\n\nChannel 1: some for a year to cover my daily bills.\n\nChannel 0: Yep. Absolutely. And the other type of coverage you don't have here is trauma. So trauma tends to pay out a lump sum tax free benefit in the event that you are, say, diagnosed with a a very large traumatic condition. Cancer tends to be one of the biggest ones claimable.\n\nIt's also on Parkinson's, other neurological conditions as well. There's a whole host of things, but trauma has to be paid out of your back pocket. Did you wanna look at some trauma to give you a little bit of an extra buffer there at all, or are you kinda not wanting to add to the out of pocket expenses?\n\nChannel 1: Not cover it too. Because I\n\nChannel 0: Yep.\n\nChannel 1: know I because when I was working on the front line, I was taking on a lot of stress. And even now that I'm taking on\n\nChannel 0: Yeah.\n\nChannel 1: this next role, it's gonna be working, you know, with a lot of our First Nations people.\n\nChannel 0: Mhmm.\n\nChannel 1: You know, like and I've come from a different background than a lot of other you know, a lot of we all come from different background grounds, you know, all our first\n\nChannel 0: Yep.\n\nChannel 1: nation pop. And it does bring a lot of trauma as well,\n\nChannel 0: Yep.\n\nChannel 1: you know, and I I know what I'm going into that I'm gonna\n\nChannel 0: Yep.\n\nChannel 1: be you know, it's gonna be a whole lot of kettle and fish that cultural wise, everything. So that might bring some stuff as well, but, you know,\n\nChannel 0: Yep.\n\nChannel 1: depression or mental health issues or something like that, you know, so I wanna be prepared for anything that's uncovered.\n\nChannel 0: Yep. No. That's okay. Not a problem. When we look at trauma, it can you can sorta cover yourself for whatever amount you feel is comfortable.\n\nSome people wanna look at maybe covering one or two years worth of their net or gross income to give them you that buffer to take maybe a year off or something. Do you know what you might be comfortable with me looking at for trauma cover\n\nChannel 1: Yeah.\n\nChannel 0: wise?\n\nChannel 1: Yep.\n\nChannel 0: Just one or two years worth of gross or net income? What do you think might be appropriate?\n\nChannel 1: Let's start off with one year first.\n\nChannel 0: One year first? Perfect.\n\nChannel 1: Yeah. Because\n\nChannel 0: And with\n\nChannel 1: I I don't even\n\nChannel 0: you're\n\nChannel 1: know.\n\nChannel 0: right.\n\nChannel 1: Like, once I work out the bills and, you know, then I can actually come up with a more\n\nChannel 0: Yep.\n\nChannel 1: better plan of how what what goes in because I don't be paying everything to insurances and everything, and then\n\nChannel 0: No.\n\nChannel 1: I'm gonna have\n\nChannel 0: Correct.\n\nChannel 1: money.\n\nChannel 0: Yeah. Correct. Absolutely. With income protection, they have what's called a waiting period. Because you are starting your new job there, you are an administration, have been doing a very similar role over the past couple of years.\n\nI'll have a look at what the options are available to you. You can be covered for up to 70% of your current income. Given that you are single, that you don't have a lot of savings behind you, you want me to look at the highest of 70% of cover. Is that right?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. And with income protection, I have a waiting period. The lowest is about four weeks when we're paying for inside super. You're comfortable with me looking at the lowest waiting period so you don't have to wait as long to claim?\n\nChannel 1: Yep.\n\nChannel 0: Yep. And with the benefit period, this is how long you can be on an income protection claim for. They start at two years, can be five years, or up to age 65. The longer the benefit period, the more expensive the insurance is gonna be, but the more cover you have as well. Do you think you would only wanna be off for two years or should only be off for two years, or do you want me to look at something like five years to see what the cost might be and the effect on your super?\n\nChannel 1: Are you gonna do two and five just to see what\n\nChannel 0: Yep.\n\nChannel 1: yeah. Which one that I can afford that comes into my budget?\n\nChannel 0: Yeah. Absolutely. I can have a look at those options. So what\n\nChannel 1: Does that\n\nChannel 0: I'll\n\nChannel 1: money\n\nChannel 0: do in\n\nChannel 1: come does\n\nChannel 0: yeah.\n\nChannel 1: that money come\n\nChannel 0: Sorry.\n\nChannel 1: out about about my superannuation, like insurance?\n\nChannel 0: It can. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: So with income protection, the same as life and TPD, you can have it structured so it's inside super, so you're limiting your premiums coming out of your back pocket. You're comfortable with me doing that. You're happy to have the income protection inside super?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful. Not a problem.\n\nChannel 1: I've\n\nChannel 0: With\n\nChannel 1: got\n\nChannel 0: the draw you're right. Sorry.\n\nChannel 1: yeah. Because I've got the three the three supers.\n\nChannel 0: Yep.\n\nChannel 1: So yeah. Like, Australian Super yeah. Because I've got a 167 there. The hub 24 doesn't do the insurance part of it. Plumb, like, can I just roll plumbing to Australian Super instead of having all this I don't know?\n\nYou know, like,\n\nChannel 0: Yep. Yep.\n\nChannel 1: whatever. Yep.\n\nChannel 0: That's okay. I'll\n\nChannel 1: It\n\nChannel 0: have\n\nChannel 1: took\n\nChannel 0: a look\n\nChannel 1: too many.\n\nChannel 0: at all the options.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. I'll I'll do the research and have a look at the options. We've got some things to do, and I definitely wanna have another conversation with you. So I've booked in your pre assessment with the admin team next Friday. I'll get them to give you a call at 01:00 Queensland time and go through that with you.\n\nI've added a text message reminder, so it sends you a text message about an hour prior to let you know that they are calling so we can go through that. Once I've got that, I can go through and do the research. And then once I've got the research, I'll come back. You and I can talk about the research I've done, what's available, the expected cost, and how you feel about it. And then we can knock down your goal for insurances and work out how to move forward for you, and I can do super insurances as a nice big updated advice document for you.\n\nDoes that sound okay?\n\nChannel 1: Yep. Sounds right.\n\nChannel 0: Yep. Perfect. All good. Look, Brenda, I will let you go. I appreciate your time today.\n\nI've got everything I need for the moment. I've booked in the pre assessment. Once we get that, we can move on to the next stage. Is that okay? You're happy moving forward that way?\n\nChannel 1: Yes, please. Sounds\n\nChannel 0: You're\n\nChannel 1: sounds good, Shana. And\n\nChannel 0: beautiful.\n\nChannel 1: I'm just I'm just I've got these things that I have to do in the next couple of weeks, but, hopefully, my parents can help me with that because of\n\nChannel 0: Yep.\n\nChannel 1: the home and see family.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. And, hopefully, get rid of some debt with my payout as well.\n\nChannel 0: Yep.\n\nChannel 1: And then I can just focus on all this stuff and get start getting rid of it all.\n\nChannel 0: Yeah. No. Perfect.\n\nChannel 1: But, yeah, if you can touch\n\nChannel 0: All\n\nChannel 1: base\n\nChannel 0: good.\n\nChannel 1: in the next couple of weeks, that'll be great.\n\nChannel 0: Yep. Not a problem at all. Not a worry. Well, good luck with your job next week. I'll talk to you very soon, and let's get this show on the road.\n\nWe'll get things moving and update the advice for you and help you along the way. Okay?\n\nChannel 1: Yep. Sounds good, Dana. Thank you. Thank you for your call.\n\nChannel 0: No. That's\n\nChannel 1: Whatever.\n\nChannel 0: okay.\n\nChannel 1: Yep.\n\nChannel 0: Enjoy the rest of your enjoy the rest of your week off.\n\nChannel 1: Thank you. Alright. You go.\n\nChannel 0: My\n\nChannel 1: You\n\nChannel 0: pleasure.\n\nChannel 1: for me too. Okay.\n\nChannel 0: Thank you. See you, Brenda. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":1.76,"end":2.42,"sentiment":"neutral","sentiment_score":0.19204086810350418}],"sentiment":"neutral","sentiment_score":0.19204086810350418,"channel":1,"num_words":2,"start":1.76,"end":2.42},{"sentences":[{"text":"Hi, Brenda.","start":3.12,"end":3.76,"sentiment":"neutral","sentiment_score":0.15629872679710388},{"text":"This is Zena from Okie Financial.","start":3.76,"end":5.38,"sentiment":"neutral","sentiment_score":0.1825180177887281},{"text":"How are you today?","start":5.44,"end":6.42,"sentiment":"neutral","sentiment_score":0.18789895623922348}],"sentiment":"neutral","sentiment_score":0.17994178210695586,"channel":0,"num_words":12,"start":3.12,"end":6.42},{"sentences":[{"text":"Yeah.","start":6.64,"end":6.96,"sentiment":"neutral","sentiment_score":0.1778625249862671},{"text":"Good.","start":6.96,"end":7.2,"sentiment":"positive","sentiment_score":0.3718577027320862},{"text":"How are you doing?","start":7.2,"end":8.1,"sentiment":"neutral","sentiment_score":0.27459096536040306}],"sentiment":"neutral","sentiment_score":0.2746806815266609,"channel":1,"num_words":6,"start":6.64,"end":8.1},{"sentences":[{"text":"I'm very well.","start":8.24,"end":9.2,"sentiment":"positive","sentiment_score":0.5385670860608419},{"text":"Thank you.","start":9.2,"end":9.599999,"sentiment":"positive","sentiment_score":0.583263099193573},{"text":"I had you booked in to go through a bit of an annual review with you today.","start":9.599999,"end":12.32,"sentiment":"neutral","sentiment_score":0.10011077014838948},{"text":"Isn't now still a good time?","start":12.32,"end":13.635,"sentiment":"neutral","sentiment_score":0.018392649789651234}],"sentiment":"neutral","sentiment_score":0.16408808742250716,"channel":0,"num_words":28,"start":8.24,"end":13.635},{"sentences":[{"text":"Yeah.","start":13.935,"end":14.255,"sentiment":"neutral","sentiment_score":0.04515043646097183},{"text":"No.","start":14.255,"end":14.575001,"sentiment":"neutral","sentiment_score":0.05824681743979454},{"text":"It's perfect.","start":14.575001,"end":15.055,"sentiment":"positive","sentiment_score":0.3768817037343979},{"text":"Thank you.","start":15.055,"end":15.795,"sentiment":"positive","sentiment_score":0.4685037136077881}],"sentiment":"neutral","sentiment_score":0.2990280147641897,"channel":1,"num_words":6,"start":13.935,"end":15.795},{"sentences":[{"text":"That's okay.","start":16.115,"end":16.855,"sentiment":"neutral","sentiment_score":0.24997827410697937},{"text":"How's your morning been so far?","start":17.075,"end":18.935,"sentiment":"neutral","sentiment_score":0.12427206958333652}],"sentiment":"neutral","sentiment_score":0.15569862071424723,"channel":0,"num_words":8,"start":16.115,"end":18.935},{"sentences":[{"text":"Yeah.","start":19.935,"end":20.335,"sentiment":"neutral","sentiment_score":0.14761883020401},{"text":"Good.","start":20.335,"end":20.735,"sentiment":"neutral","sentiment_score":0.2888849377632141},{"text":"I've got a week off this week, and it's just yeah.","start":20.735,"end":23.215,"sentiment":"neutral","sentiment_score":0.1850764060562307},{"text":"Thought I'd be able to have a relaxing week, but still doing","start":23.215,"end":26.415,"sentiment":"neutral","sentiment_score":0.1783737832059463}],"sentiment":"neutral","sentiment_score":0.1845131853222847,"channel":1,"num_words":25,"start":19.935,"end":26.415},{"sentences":[{"text":"Yep.","start":26.355,"end":26.79,"sentiment":"neutral","sentiment_score":0.12199854850769044}],"sentiment":"neutral","sentiment_score":0.12199854850769044,"channel":0,"num_words":1,"start":26.355,"end":26.79},{"sentences":[{"text":"the work runs for the kids.","start":26.415,"end":28.800001,"sentiment":"neutral","sentiment_score":0.1328177439669768}],"sentiment":"neutral","sentiment_score":0.1328177439669768,"channel":1,"num_words":6,"start":26.415,"end":28.800001},{"sentences":[{"text":"Yeah.","start":29.43,"end":29.93,"sentiment":"neutral","sentiment_score":0.1118948832154274},{"text":"Understandable.","start":30.070002,"end":30.570002,"sentiment":"neutral","sentiment_score":0.19409248232841492},{"text":"All good.","start":31.11,"end":31.85,"sentiment":"neutral","sentiment_score":0.3292723000049591},{"text":"Brenda, just to let you know, moving forward, we do recur our calls for quality and training purposes.","start":31.91,"end":35.91,"sentiment":"neutral","sentiment_score":0.1256530885067251},{"text":"Are you happy for us to proceed with that?","start":35.91,"end":37.85,"sentiment":"neutral","sentiment_score":0.15309661626815796}],"sentiment":"neutral","sentiment_score":0.14852119693833013,"channel":0,"num_words":31,"start":29.43,"end":37.85},{"sentences":[{"text":"Yep.","start":38.3,"end":38.8,"sentiment":"neutral","sentiment_score":0.06989032030105591}],"sentiment":"neutral","sentiment_score":0.06989032030105591,"channel":1,"num_words":1,"start":38.3,"end":38.8},{"sentences":[{"text":"Yep.","start":39.190002,"end":39.510002,"sentiment":"neutral","sentiment_score":0.12781183421611786},{"text":"Lovely.","start":39.510002,"end":39.99,"sentiment":"neutral","sentiment_score":0.3108382225036621},{"text":"And, also, just to do security there with you as well, we are discussing your personal information.","start":39.99,"end":43.965,"sentiment":"neutral","sentiment_score":0.12830567009308758},{"text":"So I'll just get you to confirm your full name, date of birth, and address I should have on file.","start":43.965,"end":47.825,"sentiment":"neutral","sentiment_score":0.09548383057117463}],"sentiment":"neutral","sentiment_score":0.11614161691604516,"channel":0,"num_words":39,"start":39.190002,"end":47.825},{"sentences":[{"text":"Brenda Lee Kelly.","start":48.405,"end":49.364998,"sentiment":"neutral","sentiment_score":0.012590096332132816},{"text":"May 22.","start":49.364998,"end":51.125,"sentiment":"neutral","sentiment_score":0.010322241578251123},{"text":"Unit 3103 Kringle Court oh, sorry.","start":51.125,"end":54.04,"sentiment":"neutral","sentiment_score":0.014952382383247217},{"text":"4 Kringle Court, Sunny Bay, Northern Territory.","start":54.04,"end":56.06,"sentiment":"neutral","sentiment_score":0.02225561280335699}],"sentiment":"neutral","sentiment_score":0.01688435311532683,"channel":1,"num_words":18,"start":48.405,"end":56.06},{"sentences":[{"text":"Perfect.","start":56.524998,"end":56.925,"sentiment":"neutral","sentiment_score":0.3022083640098572},{"text":"Thank you so much for that.","start":56.925,"end":58.625,"sentiment":"positive","sentiment_score":0.40414127210776013},{"text":"So as I said, I have you booked in to go through your annual review.","start":59.22,"end":61.940002,"sentiment":"neutral","sentiment_score":0.11927244812250137},{"text":"Do you happen to have access to your emails at the 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these ones up, we can kinda just go through those as we are going through and updating all of your circumstances.","start":69.700005,"end":76.134995,"sentiment":"neutral","sentiment_score":0.15564454237327857},{"text":"We have had a bit of a look at things.","start":76.91499,"end":78.835,"sentiment":"neutral","sentiment_score":0.08672903180122375}],"sentiment":"neutral","sentiment_score":0.14236540190483393,"channel":0,"num_words":57,"start":66.58,"end":78.835},{"sentences":[{"text":"It looks like there is some advice that we can definitely provide to sort of help you look at your super, and I can see you've also opened up another super recently as well.","start":78.835,"end":86.19499,"sentiment":"neutral","sentiment_score":0.18102920340264544},{"text":"You've got a new job, have 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sign","start":505.225,"end":506.18503,"sentiment":"neutral","sentiment_score":0.018788111706574757}],"sentiment":"neutral","sentiment_score":0.04315945375710726,"channel":1,"num_words":30,"start":499.33752,"end":506.18503},{"sentences":[{"text":"Yeah.","start":505.98,"end":506.48,"sentiment":"neutral","sentiment_score":0.023011600598692897}],"sentiment":"neutral","sentiment_score":0.023011600598692897,"channel":0,"num_words":1,"start":505.98,"end":506.48},{"sentences":[{"text":"up?","start":506.18503,"end":506.68503,"sentiment":"neutral","sentiment_score":0.02377067133784294}],"sentiment":"neutral","sentiment_score":0.02377067133784294,"channel":1,"num_words":1,"start":506.18503,"end":506.68503},{"sentences":[{"text":"At the end of it, yeah.","start":506.62,"end":507.58,"sentiment":"neutral","sentiment_score":0.04974943430473407},{"text":"So that's your ongoing service agreement and all the bits and pieces.","start":507.58,"end":511.1,"sentiment":"neutral","sentiment_score":0.09042370629807313},{"text":"I'm gonna go through a lot of those documents and give you an update of of what's happening with your super and talk a bit more about your goals there.","start":511.1,"end":519.20496,"sentiment":"neutral","sentiment_score":0.1078604906797409},{"text":"But at the end of it, I'll get you to sign.","start":519.505,"end":521.105,"sentiment":"neutral","sentiment_score":0.05314115959812294},{"text":"I don't want you to sign anything you haven't read, but we'll go through that in ongoing sales agreement shortly with you.","start":521.105,"end":525.985,"sentiment":"neutral","sentiment_score":-0.00042772056026892227}],"sentiment":"neutral","sentiment_score":0.06413010746976476,"channel":0,"num_words":81,"start":506.62,"end":525.985},{"sentences":[{"text":"Okay?","start":525.985,"end":526.485,"sentiment":"neutral","sentiment_score":0.03428282588720322}],"sentiment":"neutral","sentiment_score":0.03428282588720322,"channel":0,"num_words":1,"start":525.985,"end":526.485},{"sentences":[{"text":"Yep.","start":527.075,"end":527.315,"sentiment":"neutral","sentiment_score":0.05573079735040665},{"text":"Yep.","start":527.315,"end":527.47504,"sentiment":"neutral","sentiment_score":0.07201498001813889},{"text":"I'm just having a look at it.","start":527.47504,"end":528.935,"sentiment":"neutral","sentiment_score":0.09870902342455727}],"sentiment":"neutral","sentiment_score":0.09096766014893849,"channel":1,"num_words":9,"start":527.075,"end":528.935},{"sentences":[{"text":"That's","start":529.0,"end":529.31995,"sentiment":"neutral","sentiment_score":0.13576382398605347}],"sentiment":"neutral","sentiment_score":0.13576382398605347,"channel":0,"num_words":1,"start":529.0,"end":529.31995},{"sentences":[{"text":"Yep.","start":529.23505,"end":529.73505,"sentiment":"neutral","sentiment_score":0.1212264522910118}],"sentiment":"neutral","sentiment_score":0.1212264522910118,"channel":1,"num_words":1,"start":529.23505,"end":529.73505},{"sentences":[{"text":"okay.","start":529.31995,"end":529.8,"sentiment":"neutral","sentiment_score":0.20792275667190552},{"text":"All good.","start":529.8,"end":530.44,"sentiment":"neutral","sentiment_score":0.3269601911306381},{"text":"While you are looking at it, let's touch on that now.","start":530.44,"end":532.68,"sentiment":"neutral","sentiment_score":0.14890578118237582},{"text":"It's a really good thing to sort of go through.","start":532.68,"end":534.54,"sentiment":"positive","sentiment_score":0.41609907746315},{"text":"The first document you'll see in this sorry.","start":534.92,"end":536.92,"sentiment":"neutral","sentiment_score":-0.0013504557427950203}],"sentiment":"neutral","sentiment_score":0.20781230814463925,"channel":0,"num_words":32,"start":529.31995,"end":536.92},{"sentences":[{"text":"Mine I sent the documents to you, but mine's a little bit slow to kinda bring them back up.","start":536.92,"end":541.305,"sentiment":"neutral","sentiment_score":-0.12854027434399254},{"text":"But, essentially, it is showing you the ongoing service agreement that has been sent there.","start":541.625,"end":546.265,"sentiment":"neutral","sentiment_score":0.048198388020197554},{"text":"Essentially, you do as an ongoing service client, you do pay us an ongoing service fee of 1.65% per annum.","start":546.265,"end":553.165,"sentiment":"neutral","sentiment_score":0.09675040356814861},{"text":"That is deducted in smaller monthly increments out of your super account.","start":553.46497,"end":557.22003,"sentiment":"neutral","sentiment_score":0.10344181023538113},{"text":"And, essentially, the idea of a percentage based fee is that it fluctuates with the market.","start":557.60004,"end":562.08,"sentiment":"neutral","sentiment_score":0.08236589701846242}],"sentiment":"neutral","sentiment_score":0.03383993602743963,"channel":0,"num_words":82,"start":536.92,"end":562.08},{"sentences":[{"text":"When the market is doing much better, it means that our fee is gonna be slightly higher, but you're benefiting from the greater returns.","start":562.08,"end":567.86,"sentiment":"neutral","sentiment_score":0.21592157892882824},{"text":"However, when the market takes a bit of a dip due to external market factors, the fee you pay us will also take a dip and be lower.","start":568.16003,"end":574.525,"sentiment":"neutral","sentiment_score":-0.1289270328623908},{"text":"Okay?","start":574.585,"end":575.085,"sentiment":"neutral","sentiment_score":0.02071517333388329}],"sentiment":"neutral","sentiment_score":0.03005426693356262,"channel":0,"num_words":53,"start":562.08,"end":575.085},{"sentences":[{"text":"Yep.","start":575.63,"end":576.13,"sentiment":"neutral","sentiment_score":0.06502795964479446}],"sentiment":"neutral","sentiment_score":0.06502795964479446,"channel":1,"num_words":1,"start":575.63,"end":576.13},{"sentences":[{"text":"Essentially, to be because having a look at your super account, we with Christmas, everyone was a bit crazy.","start":576.505,"end":582.825,"sentiment":"neutral","sentiment_score":0.001348384312893215},{"text":"You're obviously in a bit of a transition there as well.","start":582.825,"end":585.12,"sentiment":"neutral","sentiment_score":-0.07443441958589987},{"text":"So your ongoing service fee did actually switch off on your super account as of December.","start":585.36,"end":591.04,"sentiment":"neutral","sentiment_score":0.03651750320568681},{"text":"So this is the switching it all back on again so we can keep providing advice and keep servicing you as a client and keep looking","start":591.04,"end":596.8,"sentiment":"neutral","sentiment_score":0.2750836768402503}],"sentiment":"neutral","sentiment_score":0.09643467132829958,"channel":0,"num_words":72,"start":576.505,"end":596.8},{"sentences":[{"text":"Yep.","start":596.54004,"end":597.04004,"sentiment":"neutral","sentiment_score":0.055877935141325}],"sentiment":"neutral","sentiment_score":0.055877935141325,"channel":1,"num_words":1,"start":596.54004,"end":597.04004},{"sentences":[{"text":"after you.","start":596.8,"end":597.52,"sentiment":"neutral","sentiment_score":0.04640097729861736},{"text":"Okay?","start":597.52,"end":598.02,"sentiment":"neutral","sentiment_score":0.08761711418628693},{"text":"Perfect.","start":599.415,"end":599.915,"sentiment":"positive","sentiment_score":0.36171936988830566},{"text":"So we do need that one to be signed and sent back.","start":600.135,"end":602.535,"sentiment":"neutral","sentiment_score":0.14698534893492857},{"text":"The underneath that, you've got your tax file opt in form.","start":602.535,"end":605.675,"sentiment":"neutral","sentiment_score":0.11044615236195651}],"sentiment":"neutral","sentiment_score":0.13040260377305526,"channel":0,"num_words":27,"start":596.8,"end":605.675},{"sentences":[{"text":"That is just letting you know that we do hold your tax file number on file.","start":606.055,"end":609.89496,"sentiment":"neutral","sentiment_score":0.13979468401521444},{"text":"We do have to because we help set up your super account and look after insurances and things like that for you.","start":609.89496,"end":615.38,"sentiment":"neutral","sentiment_score":0.19682866876775568},{"text":"We just have to make sure you're aware of the information.","start":615.84,"end":618.16003,"sentiment":"neutral","sentiment_score":0.009290489749136295},{"text":"We do hold on you.","start":618.16003,"end":619.04004,"sentiment":"neutral","sentiment_score":-0.024039310216903687},{"text":"It is sensitive information, and we wanted to make sure we update our records so you're aware of that.","start":619.04004,"end":624.5,"sentiment":"neutral","sentiment_score":-0.046642690896987915}],"sentiment":"neutral","sentiment_score":0.07757168994859269,"channel":0,"num_words":73,"start":606.055,"end":624.5},{"sentences":[{"text":"Okay?","start":624.56,"end":625.06,"sentiment":"neutral","sentiment_score":0.04630179703235626},{"text":"Yep.","start":626.255,"end":626.655,"sentiment":"neutral","sentiment_score":0.13237980008125305},{"text":"Perfect.","start":626.655,"end":627.155,"sentiment":"neutral","sentiment_score":0.28675416111946106},{"text":"Those are the only two documents to sign.","start":627.375,"end":629.715,"sentiment":"neutral","sentiment_score":0.127230660058558},{"text":"Jacob also organized for the external third party authority to be signed for your plum super, so we have got the information on that for you.","start":630.015,"end":638.99506,"sentiment":"neutral","sentiment_score":0.1457430783372659}],"sentiment":"neutral","sentiment_score":0.14250273176947156,"channel":0,"num_words":37,"start":624.56,"end":638.99506},{"sentences":[{"text":"But attached to that DocuSign, we do also have some other documents there.","start":639.38,"end":643.3,"sentiment":"neutral","sentiment_score":0.031886492211085096},{"text":"I'm not sure if you can see the attachments.","start":643.3,"end":645.24,"sentiment":"neutral","sentiment_score":-0.08580818275610606},{"text":"Can you see where the attachments are at all?","start":645.3,"end":647.56,"sentiment":"neutral","sentiment_score":-0.0344093551652299}],"sentiment":"neutral","sentiment_score":-0.02153011104993282,"channel":0,"num_words":31,"start":639.38,"end":647.56},{"sentences":[{"text":"No.","start":649.575,"end":649.895,"sentiment":"neutral","sentiment_score":-0.10794271528720856},{"text":"Is that is that from Jacob?","start":649.895,"end":651.515,"sentiment":"neutral","sentiment_score":-0.065584151695172}],"sentiment":"neutral","sentiment_score":-0.07163537506546293,"channel":1,"num_words":7,"start":649.575,"end":651.515},{"sentences":[{"text":"No.","start":653.06,"end":653.38,"sentiment":"neutral","sentiment_score":-0.09844834357500076},{"text":"It should be attached to this docu this document, the Odoo sign here.","start":653.38,"end":657.84503,"sentiment":"neutral","sentiment_score":-0.05311752805629602}],"sentiment":"neutral","sentiment_score":-0.056355443450489213,"channel":0,"num_words":14,"start":653.06,"end":657.84503},{"sentences":[{"text":"No.","start":666.31,"end":666.51,"sentiment":"neutral","sentiment_score":-0.1661592721939087},{"text":"I don't see anything","start":666.51,"end":667.67,"sentiment":"neutral","sentiment_score":-0.175664022564888}],"sentiment":"neutral","sentiment_score":-0.17376307249069214,"channel":1,"num_words":5,"start":666.31,"end":667.67},{"sentences":[{"text":"No.","start":667.505,"end":667.74506,"sentiment":"neutral","sentiment_score":-0.17623043060302734}],"sentiment":"neutral","sentiment_score":-0.17623043060302734,"channel":0,"num_words":1,"start":667.505,"end":667.74506},{"sentences":[{"text":"there.","start":667.67,"end":668.17,"sentiment":"neutral","sentiment_score":-0.1682061105966568}],"sentiment":"neutral","sentiment_score":-0.1682061105966568,"channel":1,"num_words":1,"start":667.67,"end":668.17},{"sentences":[{"text":"That's okay.","start":667.74506,"end":668.565,"sentiment":"neutral","sentiment_score":-0.04718029871582985},{"text":"It might be so when you go out of the email then go back in, there should be some attachments there as well, but we have attached the financial services guide there for you.","start":668.81,"end":677.55,"sentiment":"neutral","sentiment_score":0.061580603120519835},{"text":"And that essentially outlines all of our services.","start":677.69,"end":680.75,"sentiment":"neutral","sentiment_score":0.24086913466453552},{"text":"It has a lovely photo of me in there for you, Brenda, so you can have a look at what I look like as well.","start":680.81,"end":685.675,"sentiment":"positive","sentiment_score":0.5270792055130005},{"text":"It's got my registration information as I'm a registered adviser.","start":685.735,"end":689.51495,"sentiment":"neutral","sentiment_score":0.15992478355765344}],"sentiment":"neutral","sentiment_score":0.23674127796688413,"channel":0,"num_words":79,"start":667.74506,"end":689.51495},{"sentences":[{"text":"I'm registered through ASIC and under OQ Financial Australian Financial Services license.","start":689.57495,"end":694.315,"sentiment":"neutral","sentiment_score":0.1535011219481627},{"text":"We've also got on there your summary.","start":694.935,"end":696.87,"sentiment":"neutral","sentiment_score":0.18620174484593527},{"text":"Now this is a really good thing to kinda go through.","start":696.87,"end":699.29004,"sentiment":"positive","sentiment_score":0.7166270830414512},{"text":"So I can also email this to you separately after the course you'd like, but the summary sort of shows you your current balances within all the super funds and the insurances that you hold at the moment.","start":699.67004,"end":710.89,"sentiment":"neutral","sentiment_score":0.26251338775220673},{"text":"So in Hub twenty four, your super balance is up to 94,000 set $94,013.66.","start":710.95,"end":719.30505,"sentiment":"neutral","sentiment_score":0.12063817892755781}],"sentiment":"neutral","sentiment_score":0.276741058906404,"channel":0,"num_words":82,"start":689.57495,"end":719.30505},{"sentences":[{"text":"In Australian super, you've currently got a a balance of 22,069 and 54¢.","start":719.685,"end":725.30505,"sentiment":"neutral","sentiment_score":0.09059847084184487},{"text":"And in Plum Super, a balance of $6,622.68.","start":725.54004,"end":730.68,"sentiment":"neutral","sentiment_score":0.08604833204299212},{"text":"So we do wanna maybe look at trying to consolidate some of those things.","start":730.98004,"end":734.74005,"sentiment":"neutral","sentiment_score":0.0981652835117919},{"text":"Having three super funds open does mean you are paying more in overall fees, and it can affect your retirement moving forward as well.","start":734.74005,"end":742.57495,"sentiment":"neutral","sentiment_score":-0.15331090924640497},{"text":"Does your employer your new employer with Ventia, have they they haven't stipulated that they have to transfer contributions anywhere?","start":743.435,"end":752.415,"sentiment":"neutral","sentiment_score":-0.0634640204720199}],"sentiment":"neutral","sentiment_score":-0.02306230712490968,"channel":0,"num_words":79,"start":719.685,"end":752.415},{"sentences":[{"text":"You're fine having those in hub twenty four as you have always?","start":752.475,"end":755.97,"sentiment":"neutral","sentiment_score":0.08930113492533565}],"sentiment":"neutral","sentiment_score":0.08930113492533565,"channel":0,"num_words":12,"start":752.475,"end":755.97},{"sentences":[{"text":"Well, I've only just put well, at the moment, it's just it's just a plan at the moment, so I've gotta sort","start":756.995,"end":763.795,"sentiment":"neutral","sentiment_score":-0.17217406969178806}],"sentiment":"neutral","sentiment_score":-0.17217406969178806,"channel":1,"num_words":22,"start":756.995,"end":763.795},{"sentences":[{"text":"Okay.","start":763.79,"end":764.29,"sentiment":"neutral","sentiment_score":-0.08759748935699463}],"sentiment":"neutral","sentiment_score":-0.08759748935699463,"channel":0,"num_words":1,"start":763.79,"end":764.29},{"sentences":[{"text":"that out as well.","start":763.795,"end":764.77496,"sentiment":"neutral","sentiment_score":-0.0464069708250463}],"sentiment":"neutral","sentiment_score":-0.0464069708250463,"channel":1,"num_words":4,"start":763.795,"end":764.77496},{"sentences":[{"text":"Yep.","start":765.23,"end":765.73,"sentiment":"neutral","sentiment_score":-0.009977264329791067}],"sentiment":"neutral","sentiment_score":-0.009977264329791067,"channel":0,"num_words":1,"start":765.23,"end":765.73},{"sentences":[{"text":"So I haven't","start":765.235,"end":765.875,"sentiment":"neutral","sentiment_score":-0.08689573407173157}],"sentiment":"neutral","sentiment_score":-0.08689573407173157,"channel":1,"num_words":3,"start":765.235,"end":765.875},{"sentences":[{"text":"I","start":765.79,"end":766.215,"sentiment":"neutral","sentiment_score":-0.11943449079990388}],"sentiment":"neutral","sentiment_score":-0.11943449079990388,"channel":0,"num_words":1,"start":765.79,"end":766.215},{"sentences":[{"text":"transferred, like, you know, delegate allocated that","start":765.875,"end":770.76,"sentiment":"neutral","sentiment_score":-0.1189673553620066}],"sentiment":"neutral","sentiment_score":-0.1189673553620066,"channel":1,"num_words":7,"start":765.875,"end":770.76},{"sentences":[{"text":"yep.","start":771.09503,"end":771.59503,"sentiment":"neutral","sentiment_score":-0.10066185146570206}],"sentiment":"neutral","sentiment_score":-0.10066185146570206,"channel":0,"num_words":1,"start":771.09503,"end":771.59503},{"sentences":[{"text":"to Hub twenty four years.","start":771.64,"end":773.0,"sentiment":"neutral","sentiment_score":-0.06850325018167495},{"text":"So that's another little thing I've gotta do, actually.","start":773.0,"end":775.10004,"sentiment":"neutral","sentiment_score":0.0010334323677751753}],"sentiment":"neutral","sentiment_score":-0.0238010971141713,"channel":1,"num_words":14,"start":771.64,"end":775.10004},{"sentences":[{"text":"Perfect.","start":774.935,"end":775.435,"sentiment":"positive","sentiment_score":0.4030491709709167},{"text":"That's okay.","start":775.49506,"end":776.135,"sentiment":"positive","sentiment_score":0.35973644256591797},{"text":"We can get the contributions form sent to you with the Plum Super.","start":776.135,"end":781.62,"sentiment":"neutral","sentiment_score":0.3279232612022987},{"text":"So I'm just having a look at the statements here as well because I know you do have your insurance line, life insurance, and the funeral cover there, which is really important for you to keep.","start":781.62,"end":791.63995,"sentiment":"neutral","sentiment_score":0.208675233543747},{"text":"At the moment, the life insurance and the funeral cover is showing us a total sum insured of 200,512, and I know the funeral cover is also really important because you're covering your kids as well.","start":792.225,"end":803.045,"sentiment":"neutral","sentiment_score":0.02898411825299263}],"sentiment":"neutral","sentiment_score":0.15842342177744617,"channel":0,"num_words":88,"start":774.935,"end":803.045},{"sentences":[{"text":"Are you still comfortable paying for that level of cover out of your back pocket?","start":803.425,"end":806.865,"sentiment":"neutral","sentiment_score":0.04031146988272667},{"text":"You're happy with how that's","start":806.865,"end":808.23,"sentiment":"positive","sentiment_score":0.458568274974823}],"sentiment":"neutral","sentiment_score":0.14487567115575076,"channel":0,"num_words":20,"start":803.425,"end":808.23},{"sentences":[{"text":"Yeah.","start":810.32,"end":810.72003,"sentiment":"neutral","sentiment_score":0.20025694370269775},{"text":"Well, I've been there for a long time with these mob now, so I don't 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don't","start":819.615,"end":820.09503,"sentiment":"neutral","sentiment_score":-0.22543909152348837}],"sentiment":"neutral","sentiment_score":-0.22543909152348837,"channel":1,"num_words":3,"start":819.615,"end":820.09503},{"sentences":[{"text":"Yeah.","start":820.05,"end":820.55,"sentiment":"neutral","sentiment_score":-0.1572919487953186}],"sentiment":"neutral","sentiment_score":-0.1572919487953186,"channel":0,"num_words":1,"start":820.05,"end":820.55},{"sentences":[{"text":"wanna attempt anything really.","start":820.09503,"end":822.035,"sentiment":"neutral","sentiment_score":-0.22009646520018578}],"sentiment":"neutral","sentiment_score":-0.22009646520018578,"channel":1,"num_words":4,"start":820.09503,"end":822.035},{"sentences":[{"text":"No.","start":822.335,"end":822.495,"sentiment":"neutral","sentiment_score":-0.16185583174228668},{"text":"That's okay.","start":822.495,"end":823.05505,"sentiment":"neutral","sentiment_score":0.018520765006542206},{"text":"And, look, you can keep the insurance line policy if you're comfortable with doing that.","start":823.05505,"end":826.495,"sentiment":"neutral","sentiment_score":0.225009020169576},{"text":"There's nothing wrong with that whatsoever.","start":826.495,"end":828.195,"sentiment":"neutral","sentiment_score":0.15932931999365488},{"text":"It's more just you are paying for that out of pocket.","start":828.815,"end":830.895,"sentiment":"neutral","sentiment_score":0.051551530984315}],"sentiment":"neutral","sentiment_score":0.1363818217601095,"channel":0,"num_words":35,"start":822.335,"end":830.895},{"sentences":[{"text":"And, I mean, from what I can see here, you're paying about $29.61 per month.","start":830.895,"end":835.215,"sentiment":"neutral","sentiment_score":-0.024927302574117977},{"text":"Is that sort of how much you're paying for that one at the moment?","start":835.215,"end":837.98,"sentiment":"neutral","sentiment_score":-0.04810186156204769},{"text":"Has that altered since we last got the research?","start":837.98,"end":840.24,"sentiment":"neutral","sentiment_score":-0.08274249111612637}],"sentiment":"neutral","sentiment_score":-0.047158368961199335,"channel":0,"num_words":38,"start":830.895,"end":840.24},{"sentences":[{"text":"Yep.","start":841.14996,"end":841.47,"sentiment":"neutral","sentiment_score":0.017387881875038147},{"text":"$29.61, and the other one is $47.14.","start":841.47,"end":845.08997,"sentiment":"neutral","sentiment_score":0.0035219083407095502}],"sentiment":"neutral","sentiment_score":0.005255155032500625,"channel":1,"num_words":8,"start":841.14996,"end":845.08997},{"sentences":[{"text":"4714.","start":846.62,"end":848.48,"sentiment":"neutral","sentiment_score":0.006308616604655981}],"sentiment":"neutral","sentiment_score":0.006308616604655981,"channel":0,"num_words":1,"start":846.62,"end":848.48},{"sentences":[{"text":"Yeah.","start":848.535,"end":848.855,"sentiment":"neutral","sentiment_score":0.015645133331418037},{"text":"So one's funeral, one's wife.","start":848.855,"end":850.475,"sentiment":"neutral","sentiment_score":0.007774336636066437}],"sentiment":"neutral","sentiment_score":0.009086136085291704,"channel":1,"num_words":6,"start":848.535,"end":850.475},{"sentences":[{"text":"Yep.","start":850.995,"end":851.495,"sentiment":"neutral","sentiment_score":0.06582801043987274},{"text":"So that would be the life, and that will be the funeral.","start":851.795,"end":854.375,"sentiment":"neutral","sentiment_score":0.08076854236423969},{"text":"And because the funeral policies how much have you covered yourself and the kids for with the funeral policies recently?","start":854.675,"end":859.875,"sentiment":"neutral","sentiment_score":-0.0064679600298404695},{"text":"We're just waiting on the rundown from insurance line.","start":859.875,"end":861.95496,"sentiment":"neutral","sentiment_score":-0.10123085065020455},{"text":"So sorry.","start":861.95496,"end":862.69495,"sentiment":"neutral","sentiment_score":-0.13908926025032997}],"sentiment":"neutral","sentiment_score":-0.006444655866785483,"channel":0,"num_words":44,"start":850.995,"end":862.69495},{"sentences":[{"text":"I think we were 15,000.","start":864.03,"end":866.11,"sentiment":"neutral","sentiment_score":-0.1292324498295784},{"text":"I'm not sure.","start":866.11,"end":867.17,"sentiment":"neutral","sentiment_score":-0.15238944192727408}],"sentiment":"neutral","sentiment_score":-0.13791632186621428,"channel":1,"num_words":8,"start":864.03,"end":867.17},{"sentences":[{"text":"Yep.","start":867.63995,"end":868.12,"sentiment":"neutral","sentiment_score":-0.011061588302254677}],"sentiment":"neutral","sentiment_score":-0.011061588302254677,"channel":0,"num_words":1,"start":867.63995,"end":868.12},{"sentences":[{"text":"Each","start":867.79,"end":868.29,"sentiment":"neutral","sentiment_score":-0.01664736494421959}],"sentiment":"neutral","sentiment_score":-0.01664736494421959,"channel":1,"num_words":1,"start":867.79,"end":868.29},{"sentences":[{"text":"That's okay.","start":868.12,"end":868.94,"sentiment":"neutral","sentiment_score":0.0296408012509346},{"text":"H.","start":869.31995,"end":869.81995,"sentiment":"neutral","sentiment_score":-0.0098953228443861}],"sentiment":"neutral","sentiment_score":0.016462093219161034,"channel":0,"num_words":3,"start":868.12,"end":869.81995},{"sentences":[{"text":"I'm just gonna go through back I just saved another day because when I had to go and renew, but I have to probably increase it all for all of us again because I just attended a funeral, and they they they're paying 20,000 for the funeral and the slot and everything.","start":869.71,"end":884.445,"sentiment":"neutral","sentiment_score":-0.10281304434801523},{"text":"So I was like, well, I probably need to increase my plan.","start":884.445,"end":888.42004,"sentiment":"neutral","sentiment_score":-0.17430053589244685}],"sentiment":"neutral","sentiment_score":-0.11621694901259616,"channel":1,"num_words":64,"start":869.71,"end":888.42004},{"sentences":[{"text":"Well, those funeral policies, do they increase along with CPI?","start":888.81,"end":892.81,"sentiment":"neutral","sentiment_score":-0.049716592207551},{"text":"Do they increase every year as it goes through renewal?","start":892.81,"end":895.31,"sentiment":"neutral","sentiment_score":-0.08093483373522758}],"sentiment":"neutral","sentiment_score":-0.0653257129713893,"channel":0,"num_words":20,"start":888.81,"end":895.31},{"sentences":[{"text":"I'm not sure.","start":896.0,"end":897.06,"sentiment":"neutral","sentiment_score":-0.22012744843959808},{"text":"I'm honestly not sure what happens","start":897.12,"end":898.88,"sentiment":"neutral","sentiment_score":-0.282802477478981}],"sentiment":"neutral","sentiment_score":-0.26191080113252,"channel":1,"num_words":9,"start":896.0,"end":898.88},{"sentences":[{"text":"That's","start":898.73004,"end":898.97003,"sentiment":"neutral","sentiment_score":-0.1459481716156006}],"sentiment":"neutral","sentiment_score":-0.1459481716156006,"channel":0,"num_words":1,"start":898.73004,"end":898.97003},{"sentences":[{"text":"there.","start":898.88,"end":899.205,"sentiment":"neutral","sentiment_score":-0.11975036561489104}],"sentiment":"neutral","sentiment_score":-0.11975036561489104,"channel":1,"num_words":1,"start":898.88,"end":899.205},{"sentences":[{"text":"okay.","start":898.97003,"end":899.45,"sentiment":"neutral","sentiment_score":0.056106895208358765},{"text":"I can go and have a look at that for you.","start":899.45,"end":901.015,"sentiment":"neutral","sentiment_score":0.103634581647136},{"text":"I'll tell you what.","start":901.015,"end":901.575,"sentiment":"neutral","sentiment_score":0.027277852408587933},{"text":"I'll do a bit of research on those policies because I haven't done a lot of research on those policies recently for you.","start":901.575,"end":906.615,"sentiment":"neutral","sentiment_score":0.08172708312454431},{"text":"So I'll go back and have a bit more of a dig around the policies, what they offer, what happens with them, how they increase.","start":906.615,"end":912.135,"sentiment":"neutral","sentiment_score":0.1694581663608551}],"sentiment":"neutral","sentiment_score":0.11595899646636099,"channel":0,"num_words":64,"start":898.97003,"end":912.135},{"sentences":[{"text":"That way we can kind of look at that for you.","start":912.135,"end":914.46,"sentiment":"positive","sentiment_score":0.34009442681616003},{"text":"Happy to have you continue to pay for them.","start":915.02,"end":919.42004,"sentiment":"positive","sentiment_score":0.7570330699284872},{"text":"It's not a problem at all.","start":919.42004,"end":920.7,"sentiment":"positive","sentiment_score":0.5591259598731995},{"text":"I just wanna make sure I understand the policies in detail to kinda give you that information so you understand what it is that you've got.","start":920.7,"end":926.94,"sentiment":"positive","sentiment_score":0.4189186967336215},{"text":"Okay?","start":926.94,"end":927.44,"sentiment":"neutral","sentiment_score":0.08659157156944275}],"sentiment":"positive","sentiment_score":0.4695767881173008,"channel":0,"num_words":53,"start":912.135,"end":927.44},{"sentences":[{"text":"Yeah.","start":928.055,"end":928.29504,"sentiment":"neutral","sentiment_score":0.03754140809178352},{"text":"Because I've got what the","start":928.29504,"end":929.735,"sentiment":"neutral","sentiment_score":0.004885218292474747}],"sentiment":"neutral","sentiment_score":0.010327916592359543,"channel":1,"num_words":6,"start":928.055,"end":929.735},{"sentences":[{"text":"Mhmm.","start":929.715,"end":930.215,"sentiment":"neutral","sentiment_score":-0.020935919135808945}],"sentiment":"neutral","sentiment_score":-0.020935919135808945,"channel":0,"num_words":1,"start":929.715,"end":930.215},{"sentences":[{"text":"hell is that?","start":929.735,"end":930.715,"sentiment":"neutral","sentiment_score":-0.05499212071299553},{"text":"Yeah.","start":932.215,"end":932.53503,"sentiment":"neutral","sentiment_score":0.01135188713669777},{"text":"This one here.","start":932.53503,"end":933.255,"sentiment":"neutral","sentiment_score":0.01855768511692683},{"text":"I've just yeah.","start":933.255,"end":933.815,"sentiment":"neutral","sentiment_score":0.008771721273660658},{"text":"Because I downloaded them all the other day.","start":933.815,"end":935.41504,"sentiment":"neutral","sentiment_score":0.021678857039660215}],"sentiment":"neutral","sentiment_score":0.00565525558259752,"channel":1,"num_words":18,"start":929.735,"end":935.41504},{"sentences":[{"text":"I'm just","start":935.41504,"end":935.735,"sentiment":"neutral","sentiment_score":-0.01489292737096548}],"sentiment":"neutral","sentiment_score":-0.01489292737096548,"channel":1,"num_words":2,"start":935.41504,"end":935.735},{"sentences":[{"text":"Mhmm.","start":935.72253,"end":936.22253,"sentiment":"neutral","sentiment_score":-0.009603168815374374}],"sentiment":"neutral","sentiment_score":-0.009603168815374374,"channel":0,"num_words":1,"start":935.72253,"end":936.22253},{"sentences":[{"text":"looking at one.","start":935.735,"end":936.715,"sentiment":"neutral","sentiment_score":-0.0235912228624026},{"text":"I think it's the life cover.","start":937.015,"end":939.03503,"sentiment":"neutral","sentiment_score":-0.018515077885240316},{"text":"What's that mean?","start":940.775,"end":941.655,"sentiment":"neutral","sentiment_score":-0.022558920085430145},{"text":"Benefit, 167,000.","start":941.655,"end":945.05,"sentiment":"neutral","sentiment_score":-0.02516230382025242},{"text":"I don't get it.","start":950.07,"end":951.11,"sentiment":"neutral","sentiment_score":-0.19498245045542717}],"sentiment":"neutral","sentiment_score":-0.05998862808984187,"channel":1,"num_words":18,"start":935.735,"end":951.11},{"sentences":[{"text":"That's the $29.61 per fortnight.","start":951.11,"end":953.27,"sentiment":"neutral","sentiment_score":-0.06379174813628197},{"text":"That's the life cover.","start":953.27,"end":954.41,"sentiment":"neutral","sentiment_score":-0.05212905816733837}],"sentiment":"neutral","sentiment_score":-0.05860833037230703,"channel":1,"num_words":9,"start":951.11,"end":954.41},{"sentences":[{"text":"Mhmm.","start":954.76996,"end":955.065,"sentiment":"neutral","sentiment_score":0.0041753146797418594}],"sentiment":"neutral","sentiment_score":0.0041753146797418594,"channel":0,"num_words":1,"start":954.76996,"end":955.065},{"sentences":[{"text":"And then you got the funeral.","start":955.27,"end":957.05,"sentiment":"neutral","sentiment_score":-0.0035257075602809587},{"text":"That funeral that life on the house.","start":958.605,"end":960.545,"sentiment":"neutral","sentiment_score":0.007734194397926331}],"sentiment":"neutral","sentiment_score":0.0025373165710614277,"channel":1,"num_words":13,"start":955.27,"end":960.545},{"sentences":[{"text":"Okay.","start":962.985,"end":963.485,"sentiment":"neutral","sentiment_score":0.13207045197486875},{"text":"Ironically, you guys have just got the rundown emailed through, so I'm just pulling it up now to give you a hand with it.","start":964.185,"end":969.96,"sentiment":"neutral","sentiment_score":0.1916410199676951},{"text":"It's worked out really well, actually.","start":970.04004,"end":971.82,"sentiment":"positive","sentiment_score":0.6148834029833475},{"text":"So fortnightly.","start":972.76,"end":974.7,"sentiment":"neutral","sentiment_score":0.1439366228878498}],"sentiment":"neutral","sentiment_score":0.2638978362083435,"channel":0,"num_words":33,"start":962.985,"end":974.7},{"sentences":[{"text":"41","start":976.27,"end":977.15,"sentiment":"neutral","sentiment_score":0.019526001065969467}],"sentiment":"neutral","sentiment_score":0.019526001065969467,"channel":1,"num_words":1,"start":976.27,"end":977.15},{"sentences":[{"text":"Okay.","start":977.08,"end":977.58,"sentiment":"neutral","sentiment_score":0.022730063647031784}],"sentiment":"neutral","sentiment_score":0.022730063647031784,"channel":0,"num_words":1,"start":977.08,"end":977.58},{"sentences":[{"text":"70 47404714, and all my kids are insured for $11,222.","start":977.15,"end":985.41003,"sentiment":"neutral","sentiment_score":0.014417752344161271},{"text":"That's kind of crap, but yeah.","start":988.095,"end":990.045,"sentiment":"neutral","sentiment_score":-0.23591793328523636}],"sentiment":"neutral","sentiment_score":-0.07945812976686284,"channel":1,"num_words":16,"start":977.15,"end":990.045},{"sentences":[{"text":"Yep.","start":990.315,"end":990.71497,"sentiment":"neutral","sentiment_score":0.014138649217784405},{"text":"So your life cover, there is 200,512 of life in the event that you pass away.","start":990.71497,"end":996.96,"sentiment":"neutral","sentiment_score":-0.011744962306693196},{"text":"And then I what have we got?","start":997.1,"end":1003.2,"sentiment":"neutral","sentiment_score":-0.027162163385323117},{"text":"What's the increase?","start":1003.9,"end":1004.88,"sentiment":"neutral","sentiment_score":-0.061421467612187065},{"text":"The total insurance line haven't give us anything on this funeral cover.","start":1005.58,"end":1010.525,"sentiment":"neutral","sentiment_score":-0.16284257546067238}],"sentiment":"neutral","sentiment_score":-0.06416131281413329,"channel":0,"num_words":39,"start":990.315,"end":1010.525},{"sentences":[{"text":"They've only given us a life cover policy, but that's okay.","start":1010.525,"end":1013.005,"sentiment":"neutral","sentiment_score":-0.07938179339874875},{"text":"I'll go back and find out more about that.","start":1013.005,"end":1014.60504,"sentiment":"neutral","sentiment_score":0.028721449689732656},{"text":"But I'm just having a look at the standard cost of funerals because it is different depending on the kind of funeral that you do want or what they want to happen.","start":1014.60504,"end":1024.065,"sentiment":"neutral","sentiment_score":-0.0724686257308349},{"text":"Essentially, in Australia, the average funeral cost can range between 4,000 to about 15,000.","start":1024.8201,"end":1030.5,"sentiment":"neutral","sentiment_score":-0.04264811958585467},{"text":"It can be more if you have more elaborate sort of burials and things like that.","start":1030.5,"end":1034.02,"sentiment":"neutral","sentiment_score":-0.07842798251658678}],"sentiment":"neutral","sentiment_score":-0.05836126948820382,"channel":0,"num_words":82,"start":1010.525,"end":1034.02},{"sentences":[{"text":"But it really just depends upon what you do as well, whether you have to invite lots of people, whether you have lots of flowers, whether you have a really elaborate coffin, or whether you just kind of go through the cremation process, in which case it kinda can be a little bit cheaper as well.","start":1034.02,"end":1048.7749,"sentiment":"neutral","sentiment_score":0.11537307633885316},{"text":"But estimated average cost of, say, cremation with no service, no attendance is about 2 to 4,000.","start":1048.7749,"end":1057.96,"sentiment":"neutral","sentiment_score":-0.15339063020313487},{"text":"With service, it's about 4 to 6,000.","start":1058.82,"end":1061.4,"sentiment":"neutral","sentiment_score":-0.0030861313321760724},{"text":"Burials are the ones that cost a bit more because you have to buy the plot and hold that for longer.","start":1061.54,"end":1066.44,"sentiment":"neutral","sentiment_score":-0.015550481510304269},{"text":"So, realistically, the amount you have for them could be fairly sufficient.","start":1066.58,"end":1070.735,"sentiment":"neutral","sentiment_score":0.28724853321909904}],"sentiment":"neutral","sentiment_score":0.061522751585044694,"channel":0,"num_words":113,"start":1034.02,"end":1070.735},{"sentences":[{"text":"And if insurance line do increase the policy along with time, then you may be able to it may just automatically increase, which might help you along as well.","start":1070.955,"end":1080.075,"sentiment":"neutral","sentiment_score":0.3109002812155362},{"text":"Does that make sense?","start":1080.075,"end":1080.87,"sentiment":"neutral","sentiment_score":0.17367354780435562}],"sentiment":"neutral","sentiment_score":0.2942667377717567,"channel":0,"num_words":33,"start":1070.955,"end":1080.87},{"sentences":[{"text":"Yep.","start":1081.225,"end":1081.725,"sentiment":"neutral","sentiment_score":0.1825244426727295},{"text":"Well, I've got the two documents here, the two statements that the policy schedules.","start":1082.345,"end":1085.8,"sentiment":"neutral","sentiment_score":0.09793202579021454},{"text":"I don't know.","start":1085.8,"end":1086.28,"sentiment":"neutral","sentiment_score":-0.01216127909719944},{"text":"But because I have I've got them saved on my computer over here, but you've","start":1086.28,"end":1089.9601,"sentiment":"neutral","sentiment_score":0.02570368939389785}],"sentiment":"neutral","sentiment_score":0.05765588810159401,"channel":1,"num_words":33,"start":1081.225,"end":1089.9601},{"sentences":[{"text":"Yeah.","start":1089.91,"end":1090.23,"sentiment":"neutral","sentiment_score":0.011916514486074448}],"sentiment":"neutral","sentiment_score":0.011916514486074448,"channel":0,"num_words":1,"start":1089.91,"end":1090.23},{"sentences":[{"text":"got access","start":1089.9601,"end":1090.4401,"sentiment":"neutral","sentiment_score":0.010657269973307848}],"sentiment":"neutral","sentiment_score":0.010657269973307848,"channel":1,"num_words":2,"start":1089.9601,"end":1090.4401},{"sentences":[{"text":"Yep.","start":1090.23,"end":1090.73,"sentiment":"neutral","sentiment_score":0.022219590842723846}],"sentiment":"neutral","sentiment_score":0.022219590842723846,"channel":0,"num_words":1,"start":1090.23,"end":1090.73},{"sentences":[{"text":"to them as well?","start":1090.4401,"end":1091.24,"sentiment":"neutral","sentiment_score":0.027664325665682554},{"text":"Or","start":1091.24,"end":1091.3201,"sentiment":"neutral","sentiment_score":0.011133860796689987}],"sentiment":"neutral","sentiment_score":0.02435823269188404,"channel":1,"num_words":5,"start":1090.4401,"end":1091.3201},{"sentences":[{"text":"Yeah.","start":1091.75,"end":1092.15,"sentiment":"neutral","sentiment_score":0.029675904661417007},{"text":"We have we have authorities on there.","start":1092.15,"end":1094.365,"sentiment":"neutral","sentiment_score":0.03901315959436553},{"text":"So I'll get the team to go back to insurance line and get through the schedules for the in for the funeral policies as well.","start":1094.365,"end":1100.205,"sentiment":"neutral","sentiment_score":0.08818764045834541},{"text":"We'll get that information updated.","start":1100.205,"end":1101.745,"sentiment":"neutral","sentiment_score":0.11772672832012177},{"text":"If they need a new authority or anything assigned, I'll get them to come back.","start":1102.125,"end":1105.885,"sentiment":"neutral","sentiment_score":0.045686137427886325}],"sentiment":"neutral","sentiment_score":0.07134688181697198,"channel":0,"num_words":53,"start":1091.75,"end":1105.885},{"sentences":[{"text":"I know they got you to sign one the other week for the plum sleeper.","start":1105.885,"end":1108.705,"sentiment":"neutral","sentiment_score":0.1681480199098587},{"text":"So if there's anything we'll need, I'll get them to come back.","start":1109.1,"end":1111.42,"sentiment":"neutral","sentiment_score":0.09491942605624597},{"text":"But I'll go back and do a bit of research and have a really good look at everything for you.","start":1111.42,"end":1115.34,"sentiment":"neutral","sentiment_score":0.2636522613465786},{"text":"Okay?","start":1115.34,"end":1115.84,"sentiment":"neutral","sentiment_score":0.10496661067008972}],"sentiment":"neutral","sentiment_score":0.1883180260192603,"channel":0,"num_words":48,"start":1105.885,"end":1115.84},{"sentences":[{"text":"Yeah.","start":1116.04,"end":1116.36,"sentiment":"neutral","sentiment_score":0.08679984509944916},{"text":"Because it's just you know, like, I've got I've been with insurance line watch it since 2011.","start":1116.36,"end":1122.86,"sentiment":"neutral","sentiment_score":0.013255775193957722}],"sentiment":"neutral","sentiment_score":0.01734155685537391,"channel":1,"num_words":18,"start":1116.04,"end":1122.86},{"sentences":[{"text":"Yeah.","start":1123.34,"end":1123.84,"sentiment":"neutral","sentiment_score":0.03630196303129196}],"sentiment":"neutral","sentiment_score":0.03630196303129196,"channel":0,"num_words":1,"start":1123.34,"end":1123.84},{"sentences":[{"text":"Yep.","start":1123.72,"end":1124.2,"sentiment":"neutral","sentiment_score":0.09736677259206772},{"text":"I've had this in cover, you know.","start":1124.2,"end":1126.035,"sentiment":"neutral","sentiment_score":0.017639106405632838},{"text":"And I've been just paying it, you know, like, normal and it's about $70 a fortnight.","start":1126.035,"end":1130.675,"sentiment":"neutral","sentiment_score":-0.07588839996606112},{"text":"So I'm just I don't know if I should revisit it visit it and increase it to 15,000 for the funeral plan and I don't know.","start":1130.675,"end":1137.97,"sentiment":"neutral","sentiment_score":-0.09095914346667436},{"text":"But it's just gonna work out within my budget as well now.","start":1137.97,"end":1140.37,"sentiment":"neutral","sentiment_score":0.2795661313381667}],"sentiment":"neutral","sentiment_score":-0.000056742517758281,"channel":1,"num_words":62,"start":1123.72,"end":1140.37},{"sentences":[{"text":"So because I'm not working two jobs.","start":1140.37,"end":1142.2899,"sentiment":"neutral","sentiment_score":-0.19013442631278718},{"text":"I'm back to one job.","start":1142.2899,"end":1143.5099,"sentiment":"neutral","sentiment_score":-0.08502967432141303},{"text":"I've insured my car.","start":1144.5299,"end":1145.8099,"sentiment":"neutral","sentiment_score":0.063359166495502},{"text":"I've got","start":1145.8099,"end":1146.21,"sentiment":"neutral","sentiment_score":0.0965023934841156}],"sentiment":"neutral","sentiment_score":-0.07275821682479647,"channel":1,"num_words":18,"start":1140.37,"end":1146.21},{"sentences":[{"text":"Yep.","start":1146.1499,"end":1146.6499,"sentiment":"neutral","sentiment_score":0.06528167426586151}],"sentiment":"neutral","sentiment_score":0.06528167426586151,"channel":0,"num_words":1,"start":1146.1499,"end":1146.6499},{"sentences":[{"text":"health insurance too now.","start":1146.21,"end":1147.73,"sentiment":"neutral","sentiment_score":0.026464513037353754},{"text":"So just","start":1147.73,"end":1148.85,"sentiment":"neutral","sentiment_score":-0.0005880296230316162}],"sentiment":"neutral","sentiment_score":0.017446998817225296,"channel":1,"num_words":6,"start":1146.21,"end":1148.85},{"sentences":[{"text":"Yep.","start":1148.63,"end":1148.985,"sentiment":"neutral","sentiment_score":-0.023845404386520382}],"sentiment":"neutral","sentiment_score":-0.023845404386520382,"channel":0,"num_words":1,"start":1148.63,"end":1148.985},{"sentences":[{"text":"a lot of stuff that I don't need enough.","start":1148.85,"end":1150.9299,"sentiment":"neutral","sentiment_score":-0.2948087718751695},{"text":"I should get health insurance, but because of the dental work that I just recently had.","start":1150.9299,"end":1155.505,"sentiment":"neutral","sentiment_score":-0.1671993057243526},{"text":"Yes.","start":1155.885,"end":1156.365,"sentiment":"neutral","sentiment_score":0.02209765836596489},{"text":"A lot of stuff is I want to actually knock down right this 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and, you know, set up these savings accounts and be financially stable.","start":1161.165,"end":1168.625,"sentiment":"neutral","sentiment_score":0.2964940955862403}],"sentiment":"neutral","sentiment_score":0.2964940955862403,"channel":1,"num_words":16,"start":1161.165,"end":1168.625},{"sentences":[{"text":"Yep.","start":1168.9,"end":1169.06,"sentiment":"neutral","sentiment_score":0.22998741269111633},{"text":"Yep.","start":1169.06,"end":1169.56,"sentiment":"neutral","sentiment_score":0.2585429549217224},{"text":"That's okay.","start":1169.7001,"end":1170.26,"sentiment":"positive","sentiment_score":0.41399477422237396},{"text":"Well, we can certainly help guide you along the way.","start":1170.26,"end":1172.68,"sentiment":"positive","sentiment_score":0.6771868705749512},{"text":"With the the insurances, did you want us to maybe obtain a quote from insurance line for you to see what it would cost if you did increase that just so you can see the difference?","start":1174.42,"end":1185.115,"sentiment":"neutral","sentiment_score":0.22342179136143792}],"sentiment":"neutral","sentiment_score":0.3226314622163773,"channel":0,"num_words":50,"start":1168.9,"end":1185.115},{"sentences":[{"text":"Yes, please.","start":1185.455,"end":1186.275,"sentiment":"neutral","sentiment_score":0.14008165895938873}],"sentiment":"neutral","sentiment_score":0.14008165895938873,"channel":1,"num_words":2,"start":1185.455,"end":1186.275},{"sentences":[{"text":"Yep.","start":1186.615,"end":1187.015,"sentiment":"neutral","sentiment_score":0.0969083458185196},{"text":"How much did you think you wanted to increase the funeral policies to?","start":1187.015,"end":1190.49,"sentiment":"neutral","sentiment_score":0.02110824275475282}],"sentiment":"neutral","sentiment_score":0.02652253583073616,"channel":0,"num_words":14,"start":1186.615,"end":1190.49},{"sentences":[{"text":"Yeah.","start":1191.375,"end":1191.615,"sentiment":"neutral","sentiment_score":0.023783117532730103},{"text":"Well, like I said, I went to that funeral just no longer, and that was 20,000.","start":1191.615,"end":1196.515,"sentiment":"neutral","sentiment_score":-0.056091119069606066},{"text":"And that was just a little service at the at the the funeral place, and then they went to the they went to the ground, you know, and then they had the wake and, you know, like, all this they reckon it cost about $20, and I'm like, what?","start":1196.735,"end":1211.14,"sentiment":"neutral","sentiment_score":-0.04543636229877569},{"text":"That's all.","start":1211.14,"end":1211.88,"sentiment":"neutral","sentiment_score":-0.10661234706640242}],"sentiment":"neutral","sentiment_score":-0.04872472403461442,"channel":1,"num_words":68,"start":1191.375,"end":1211.88},{"sentences":[{"text":"Yeah.","start":1212.475,"end":1212.795,"sentiment":"neutral","sentiment_score":0.07486654818058014},{"text":"Right.","start":1212.795,"end":1213.295,"sentiment":"neutral","sentiment_score":0.11741849035024644}],"sentiment":"neutral","sentiment_score":0.09614251926541328,"channel":0,"num_words":2,"start":1212.475,"end":1213.295},{"sentences":[{"text":"And it's just, you know, like, it was all over and done with within a freaking couple of hours, but I don't 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I know, like, my kids will probably all they will work, and they had to have cover with their their, you know, their superannuation.","start":1220.765,"end":1227.745,"sentiment":"neutral","sentiment_score":-0.19190266609191894}],"sentiment":"neutral","sentiment_score":-0.19190266609191894,"channel":1,"num_words":25,"start":1220.765,"end":1227.745},{"sentences":[{"text":"Mhmm.","start":1228.64,"end":1229.14,"sentiment":"neutral","sentiment_score":-0.06833214312791824}],"sentiment":"neutral","sentiment_score":-0.06833214312791824,"channel":0,"num_words":1,"start":1228.64,"end":1229.14},{"sentences":[{"text":"I don't know.","start":1229.5499,"end":1230.35,"sentiment":"neutral","sentiment_score":-0.1958631326754888},{"text":"I just don't know.","start":1230.35,"end":1231.41,"sentiment":"neutral","sentiment_score":-0.2366749309003353}],"sentiment":"neutral","sentiment_score":-0.21918416023254395,"channel":1,"num_words":7,"start":1229.5499,"end":1231.41},{"sentences":[{"text":"That's okay.","start":1232.0,"end":1232.56,"sentiment":"neutral","sentiment_score":-0.062161680310964584},{"text":"Well, I can have a look I can have a look and send you through a copy of the quote to show you what the difference is, and you can let me know what you wanna do with that.","start":1232.56,"end":1239.3151,"sentiment":"neutral","sentiment_score":0.14593690347213012},{"text":"It's not a problem at all.","start":1239.3151,"end":1240.515,"sentiment":"positive","sentiment_score":0.45823612809181213},{"text":"Okay?","start":1240.515,"end":1241.015,"sentiment":"neutral","sentiment_score":0.26346510648727417}],"sentiment":"neutral","sentiment_score":0.1787520364547769,"channel":0,"num_words":48,"start":1232.0,"end":1241.015},{"sentences":[{"text":"Yes, 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sorry.","start":1257.98,"end":1270.115,"sentiment":"neutral","sentiment_score":0.05920960367657244},{"text":"Let me go back there.","start":1270.115,"end":1271.22,"sentiment":"neutral","sentiment_score":0.008467909134924411},{"text":"200,512.","start":1271.78,"end":1274.28,"sentiment":"neutral","sentiment_score":0.006556735374033451}],"sentiment":"neutral","sentiment_score":0.06388297557429064,"channel":0,"num_words":102,"start":1242.915,"end":1274.28},{"sentences":[{"text":"If you were to having a look at your circumstances now, if you were to pass away, what did you want your funeral like, what did you want your life cover to pay off?","start":1276.34,"end":1289.1749,"sentiment":"neutral","sentiment_score":-0.05322511598248692},{"text":"Would it be all your debts, or what did you want your life cover to to actually 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those?","start":1305.96,"end":1307.74,"sentiment":"neutral","sentiment_score":0.10148897673934698}],"sentiment":"neutral","sentiment_score":0.2260916107757525,"channel":0,"num_words":22,"start":1300.2,"end":1307.74},{"sentences":[{"text":"Yeah.","start":1308.195,"end":1308.695,"sentiment":"neutral","sentiment_score":0.10699361562728882}],"sentiment":"neutral","sentiment_score":0.10699361562728882,"channel":1,"num_words":1,"start":1308.195,"end":1308.695},{"sentences":[{"text":"Yeah.","start":1309.08,"end":1309.3999,"sentiment":"neutral","sentiment_score":0.18172183632850647},{"text":"Perfect.","start":1309.3999,"end":1309.88,"sentiment":"positive","sentiment_score":0.3990027904510498},{"text":"Have the debts decreased a little bit since since we last caught up, or are they still roughly the same?","start":1309.88,"end":1315.355,"sentiment":"neutral","sentiment_score":0.02581813242286444}],"sentiment":"neutral","sentiment_score":0.04986760341985659,"channel":0,"num_words":22,"start":1309.08,"end":1315.355},{"sentences":[{"text":"They're roughly the same because I just had my tooth out, and I put that on Afterpay, and that cost a thousand bucks.","start":1316.38,"end":1323.1,"sentiment":"neutral","sentiment_score":-0.15176410098438678},{"text":"It's like, oh my 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health insurance either.","start":1328.195,"end":1332.135,"sentiment":"neutral","sentiment_score":-0.2163501113653183},{"text":"So a lot of stuff, kind of like my last Afterpay will be finished on the March 13.","start":1332.275,"end":1338.6,"sentiment":"neutral","sentiment_score":-0.08481783068014516}],"sentiment":"neutral","sentiment_score":-0.13518045006974325,"channel":1,"num_words":37,"start":1325.715,"end":1338.6},{"sentences":[{"text":"Yep.","start":1338.54,"end":1339.04,"sentiment":"neutral","sentiment_score":-0.04591662436723709},{"text":"Okay.","start":1339.1799,"end":1339.6799,"sentiment":"neutral","sentiment_score":-0.10710351169109344},{"text":"That ain't that much.","start":1340.0599,"end":1341.075,"sentiment":"negative","sentiment_score":-0.5352149829268456},{"text":"And are you planning to keep it open?","start":1341.5549,"end":1343.235,"sentiment":"neutral","sentiment_score":-0.1837475262582302},{"text":"Are you gonna cancel it and sort of put the money onto the next step and try to reduce the amount of buy now,","start":1343.235,"end":1348.835,"sentiment":"neutral","sentiment_score":-0.2392478703210751}],"sentiment":"neutral","sentiment_score":-0.25015287277729886,"channel":0,"num_words":38,"start":1338.54,"end":1348.835},{"sentences":[{"text":"Yeah.","start":1348.76,"end":1349.26,"sentiment":"neutral","sentiment_score":-0.05158502981066704}],"sentiment":"neutral","sentiment_score":-0.05158502981066704,"channel":1,"num_words":1,"start":1348.76,"end":1349.26},{"sentences":[{"text":"pay ladders you have?","start":1348.835,"end":1349.975,"sentiment":"neutral","sentiment_score":-0.03906987328082323}],"sentiment":"neutral","sentiment_score":-0.03906987328082323,"channel":0,"num_words":4,"start":1348.835,"end":1349.975},{"sentences":[{"text":"Yeah.","start":1349.96,"end":1350.28,"sentiment":"neutral","sentiment_score":-0.022857114672660828},{"text":"Because remember you sent me that budget 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it all, but I just didn't understand what it meant.","start":1353.255,"end":1356.135,"sentiment":"neutral","sentiment_score":-0.14100998546928167},{"text":"So because I've 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smallest one helps you because as human beings, our psyche wants us to see progress.","start":1420.9099,"end":1426.9299,"sentiment":"positive","sentiment_score":0.4995910054758975},{"text":"We get excited when things are working in our favor, things that make us happy.","start":1427.085,"end":1431.345,"sentiment":"positive","sentiment_score":0.7136736989021302},{"text":"So if we focus on the smallest debt first, you pay that out, you feel better, you know you've achieved something, and then you close it off and you work on the next one.","start":1432.0449,"end":1440.63,"sentiment":"positive","sentiment_score":0.615231932962642},{"text":"And you start to feel better, and you're building habits by doing that as well.","start":1440.71,"end":1444.23,"sentiment":"positive","sentiment_score":0.7506185173988342},{"text":"So that's essentially what that advice document was.","start":1444.23,"end":1446.71,"sentiment":"positive","sentiment_score":0.35522622242569923}],"sentiment":"positive","sentiment_score":0.6067726137218895,"channel":0,"num_words":91,"start":1420.9099,"end":1446.71},{"sentences":[{"text":"It was just showing you where you could save some money to increase free cash flow, how you could utilize your savings to use to buy the chemist warehouse products because you were basically being able to free up money to do that.","start":1446.71,"end":1460.595,"sentiment":"positive","sentiment_score":0.5364021748997444},{"text":"So then you could pay off your Afterpay, close it, and then use the money to the next step, then the next step.","start":1460.655,"end":1466.255,"sentiment":"neutral","sentiment_score":0.29182294788567914},{"text":"And the last one was that really big debt that you had everything consolidated to.","start":1466.255,"end":1470.57,"sentiment":"neutral","sentiment_score":-0.1876668964823087},{"text":"Once you've closed off everything else, they will let you pay it off faster.","start":1470.73,"end":1474.73,"sentiment":"positive","sentiment_score":0.45930238493851255},{"text":"They just wanna know where the money's coming from.","start":1474.73,"end":1476.6499,"sentiment":"neutral","sentiment_score":0.3192484461598926}],"sentiment":"positive","sentiment_score":0.3487085315327232,"channel":0,"num_words":104,"start":1446.71,"end":1476.6499},{"sentences":[{"text":"So you just let them know that, essentially, you've you've freed got some free cash flow.","start":1476.6499,"end":1482.33,"sentiment":"positive","sentiment_score":0.5995296146720648},{"text":"You've, you know, freed up some money.","start":1482.33,"end":1483.7699,"sentiment":"positive","sentiment_score":0.6661339742796761},{"text":"You wanna pay it down, and that'll allow you to do that.","start":1483.7699,"end":1486.5099,"sentiment":"positive","sentiment_score":0.6591169784466425},{"text":"And that's how you sort of get all of those debts paid down faster in, you know, an easier way, but it helps to make you feel better as well because you feel like you're achieving something as you close one off.","start":1486.835,"end":1498.595,"sentiment":"positive","sentiment_score":0.7374676551137652},{"text":"Does that make sense?","start":1498.595,"end":1499.655,"sentiment":"neutral","sentiment_score":0.27943236380815506}],"sentiment":"positive","sentiment_score":0.6698294613096449,"channel":0,"num_words":81,"start":1476.6499,"end":1499.655},{"sentences":[{"text":"Yep.","start":1500.345,"end":1500.825,"sentiment":"neutral","sentiment_score":0.16676756739616394},{"text":"Exactly.","start":1500.825,"end":1501.3049,"sentiment":"neutral","sentiment_score":0.15449319779872894},{"text":"I 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just","start":1504.02,"end":1507.4601,"sentiment":"neutral","sentiment_score":0.026938416995108128}],"sentiment":"neutral","sentiment_score":0.09837038518691604,"channel":1,"num_words":22,"start":1501.625,"end":1507.4601},{"sentences":[{"text":"Yeah.","start":1507.26,"end":1507.76,"sentiment":"neutral","sentiment_score":-0.020641246810555455}],"sentiment":"neutral","sentiment_score":-0.020641246810555455,"channel":0,"num_words":1,"start":1507.26,"end":1507.76},{"sentences":[{"text":"took everything.","start":1507.4601,"end":1508.1001,"sentiment":"neutral","sentiment_score":-0.0016317013651132584},{"text":"And I'm 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and","start":1508.66,"end":1512.26,"sentiment":"neutral","sentiment_score":-0.04139914126558737}],"sentiment":"neutral","sentiment_score":-0.04139914126558737,"channel":1,"num_words":11,"start":1508.66,"end":1512.26},{"sentences":[{"text":"Mhmm.","start":1512.14,"end":1512.615,"sentiment":"neutral","sentiment_score":-0.05552223324775696}],"sentiment":"neutral","sentiment_score":-0.05552223324775696,"channel":0,"num_words":1,"start":1512.14,"end":1512.615},{"sentences":[{"text":"then come around the corner for this other stuff from the","start":1512.26,"end":1515.38,"sentiment":"neutral","sentiment_score":-0.1051186749880964}],"sentiment":"neutral","sentiment_score":-0.1051186749880964,"channel":1,"num_words":11,"start":1512.26,"end":1515.38},{"sentences":[{"text":"Yep.","start":1515.255,"end":1515.755,"sentiment":"neutral","sentiment_score":-0.044465698301792145}],"sentiment":"neutral","sentiment_score":-0.044465698301792145,"channel":0,"num_words":1,"start":1515.255,"end":1515.755},{"sentences":[{"text":"dentist and just my chemist warehouse stuff that I always go and get, but just all these other little bitsy bitsy things.","start":1515.38,"end":1522.145,"sentiment":"neutral","sentiment_score":-0.10284232043407181},{"text":"I just got got a bit carried away, and now I'm paying for it.","start":1522.145,"end":1526.005,"sentiment":"neutral","sentiment_score":-0.2503015345760754}],"sentiment":"neutral","sentiment_score":-0.16018757037818432,"channel":1,"num_words":36,"start":1515.38,"end":1526.005},{"sentences":[{"text":"Yep.","start":1526.135,"end":1526.535,"sentiment":"neutral","sentiment_score":0.04336962848901749},{"text":"That's okay.","start":1526.535,"end":1527.275,"sentiment":"neutral","sentiment_score":0.10591715574264526},{"text":"No issues at all.","start":1527.38,"end":1528.8401,"sentiment":"neutral","sentiment_score":0.10600887425243855},{"text":"So with with the debts that you do have at the moment, do you know the total of all those of all the afterpays, the consolidated debts, the credit cards?","start":1529.2201,"end":1537.78,"sentiment":"neutral","sentiment_score":-0.015872495931883654},{"text":"Do you know what the total is owing on all of those at the 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Afterpay,","start":1544.675,"end":1545.5751,"sentiment":"neutral","sentiment_score":-0.025978293890754383}],"sentiment":"neutral","sentiment_score":-0.03183894441463053,"channel":1,"num_words":8,"start":1543.235,"end":1545.5751},{"sentences":[{"text":"Yep.","start":1546.405,"end":1546.905,"sentiment":"neutral","sentiment_score":-0.003644497599452734}],"sentiment":"neutral","sentiment_score":-0.003644497599452734,"channel":0,"num_words":1,"start":1546.405,"end":1546.905},{"sentences":[{"text":"Nimble,","start":1547.795,"end":1548.295,"sentiment":"neutral","sentiment_score":-0.008872676640748978}],"sentiment":"neutral","sentiment_score":-0.008872676640748978,"channel":1,"num_words":1,"start":1547.795,"end":1548.295},{"sentences":[{"text":"Yep.","start":1549.125,"end":1549.625,"sentiment":"neutral","sentiment_score":-0.0003340672701597214}],"sentiment":"neutral","sentiment_score":-0.0003340672701597214,"channel":0,"num_words":1,"start":1549.125,"end":1549.625},{"sentences":[{"text":"MyWayForward,","start":1550.675,"end":1551.175,"sentiment":"neutral","sentiment_score":0.018907643854618073}],"sentiment":"neutral","sentiment_score":0.018907643854618073,"channel":1,"num_words":1,"start":1550.675,"end":1551.175},{"sentences":[{"text":"Yep.","start":1552.405,"end":1552.905,"sentiment":"neutral","sentiment_score":0.006681319326162338}],"sentiment":"neutral","sentiment_score":0.006681319326162338,"channel":0,"num_words":1,"start":1552.405,"end":1552.905},{"sentences":[{"text":"Push,","start":1554.1951,"end":1554.6951,"sentiment":"neutral","sentiment_score":-0.004102726466953754}],"sentiment":"neutral","sentiment_score":-0.004102726466953754,"channel":1,"num_words":1,"start":1554.1951,"end":1554.6951},{"sentences":[{"text":"Yep.","start":1555.605,"end":1556.105,"sentiment":"neutral","sentiment_score":-0.004346533678472042}],"sentiment":"neutral","sentiment_score":-0.004346533678472042,"channel":0,"num_words":1,"start":1555.605,"end":1556.105},{"sentences":[{"text":"my tax debt that I pay as well every fortnight, that's 3","start":1556.595,"end":1560.06,"sentiment":"neutral","sentiment_score":-0.02688133188833793}],"sentiment":"neutral","sentiment_score":-0.02688133188833793,"channel":1,"num_words":12,"start":1556.595,"end":1560.06},{"sentences":[{"text":"Yep.","start":1559.81,"end":1560.31,"sentiment":"neutral","sentiment_score":-0.017701473087072372}],"sentiment":"neutral","sentiment_score":-0.017701473087072372,"channel":0,"num_words":1,"start":1559.81,"end":1560.31},{"sentences":[{"text":"3,000 something.","start":1560.06,"end":1561.28,"sentiment":"neutral","sentiment_score":-0.03851177543401718},{"text":"And now that I've just got the health insurance and Budget Direct as well, so when I looked at my bills for this fortnight, $3,645 it came to you, and I don't even know where I'm gonna get that from right now because it's like, I know I can pay the other 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about 3,000 and","start":1587.3,"end":1589.06,"sentiment":"neutral","sentiment_score":0.019253825303167105}],"sentiment":"neutral","sentiment_score":0.019253825303167105,"channel":0,"num_words":4,"start":1587.3,"end":1589.06},{"sentences":[{"text":"again.","start":1588.94,"end":1589.44,"sentiment":"neutral","sentiment_score":0.023390889167785645}],"sentiment":"neutral","sentiment_score":0.023390889167785645,"channel":1,"num_words":1,"start":1588.94,"end":1589.44},{"sentences":[{"text":"45 on a monthly basis for everything.","start":1589.06,"end":1591.32,"sentiment":"neutral","sentiment_score":0.03351021398391042}],"sentiment":"neutral","sentiment_score":0.03351021398391042,"channel":0,"num_words":7,"start":1589.06,"end":1591.32},{"sentences":[{"text":"Just this yeah.","start":1593.26,"end":1596.46,"sentiment":"neutral","sentiment_score":0.044925895829995476},{"text":"You might as well say 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four.","start":2087.9048,"end":2096.1648,"sentiment":"neutral","sentiment_score":0.07027893315535039},{"text":"But I just need to do check your health and check your pre assessment to see if there's been any changes since we last did one and to see what options we have for doing that and what the costs are.","start":2096.545,"end":2106.6,"sentiment":"neutral","sentiment_score":-0.02075329014077419},{"text":"So I'll book in a time for my team to do a bit of a pre assessment with you there, and then we can go forward and have a bit of a look at whether transferring is an option.","start":2107.06,"end":2116.9001,"sentiment":"neutral","sentiment_score":0.1820238288014363}],"sentiment":"neutral","sentiment_score":0.08262139719724655,"channel":0,"num_words":125,"start":2083.16,"end":2116.9001},{"sentences":[{"text":"That way, you can keep that extra level of cover.","start":2116.9001,"end":2119.085,"sentiment":"neutral","sentiment_score":0.2291642501950264},{"text":"Either way, you can keep the Australian line sorry.","start":2119.305,"end":2122.025,"sentiment":"neutral","sentiment_score":0.18445312480131784},{"text":"Insurance line cover open.","start":2122.025,"end":2123.465,"sentiment":"neutral","sentiment_score":0.13426515646278858},{"text":"That's not a problem at all.","start":2123.465,"end":2124.7449,"sentiment":"positive","sentiment_score":0.5451594690481821},{"text":"It does not in any way, shape, or form affect the advice, and you're paying for out of pocket.","start":2124.7449,"end":2129.225,"sentiment":"neutral","sentiment_score":0.20919411864719892}],"sentiment":"neutral","sentiment_score":0.244467214991649,"channel":0,"num_words":48,"start":2116.9001,"end":2129.225},{"sentences":[{"text":"So it doesn't affect your super funds either.","start":2129.225,"end":2131.53,"sentiment":"neutral","sentiment_score":0.10896965581923723},{"text":"Okay?","start":2131.53,"end":2132.03,"sentiment":"neutral","sentiment_score":0.07759780436754227}],"sentiment":"neutral","sentiment_score":0.10548389454682668,"channel":0,"num_words":9,"start":2129.225,"end":2132.03},{"sentences":[{"text":"Okay.","start":2133.2952,"end":2133.7952,"sentiment":"neutral","sentiment_score":0.07053406536579132},{"text":"Yeah.","start":2134.175,"end":2134.675,"sentiment":"neutral","sentiment_score":0.07181338220834732}],"sentiment":"neutral","sentiment_score":0.07117372378706932,"channel":1,"num_words":2,"start":2133.2952,"end":2134.675},{"sentences":[{"text":"Yeah.","start":2134.49,"end":2134.99,"sentiment":"neutral","sentiment_score":0.0554376021027565}],"sentiment":"neutral","sentiment_score":0.0554376021027565,"channel":0,"num_words":1,"start":2134.49,"end":2134.99},{"sentences":[{"text":"Because","start":2135.75,"end":2136.0698,"sentiment":"neutral","sentiment_score":0.03011036105453968}],"sentiment":"neutral","sentiment_score":0.03011036105453968,"channel":1,"num_words":1,"start":2135.75,"end":2136.0698},{"sentences":[{"text":"What","start":2135.77,"end":2136.27,"sentiment":"neutral","sentiment_score":0.03131575882434845}],"sentiment":"neutral","sentiment_score":0.03131575882434845,"channel":0,"num_words":1,"start":2135.77,"end":2136.27},{"sentences":[{"text":"we have","start":2136.0698,"end":2136.63,"sentiment":"neutral","sentiment_score":0.027444795705378056}],"sentiment":"neutral","sentiment_score":0.027444795705378056,"channel":1,"num_words":2,"start":2136.0698,"end":2136.63},{"sentences":[{"text":"what","start":2136.33,"end":2136.83,"sentiment":"neutral","sentiment_score":0.022091761231422424}],"sentiment":"neutral","sentiment_score":0.022091761231422424,"channel":0,"num_words":1,"start":2136.33,"end":2136.83},{"sentences":[{"text":"we have '24.","start":2136.63,"end":2137.67,"sentiment":"neutral","sentiment_score":0.023041839400927227},{"text":"What's the insurance","start":2137.67,"end":2138.63,"sentiment":"neutral","sentiment_score":0.010839118001361689}],"sentiment":"neutral","sentiment_score":0.016940478701144457,"channel":1,"num_words":6,"start":2136.63,"end":2138.63},{"sentences":[{"text":"yes.","start":2138.25,"end":2138.75,"sentiment":"neutral","sentiment_score":0.012340434826910496}],"sentiment":"neutral","sentiment_score":0.012340434826910496,"channel":0,"num_words":1,"start":2138.25,"end":2138.75},{"sentences":[{"text":"like there?","start":2138.63,"end":2139.3699,"sentiment":"neutral","sentiment_score":0.003346649929881096}],"sentiment":"neutral","sentiment_score":0.003346649929881096,"channel":1,"num_words":2,"start":2138.63,"end":2139.3699},{"sentences":[{"text":"With","start":2140.1702,"end":2140.49,"sentiment":"neutral","sentiment_score":-0.010322198271751404}],"sentiment":"neutral","sentiment_score":-0.010322198271751404,"channel":0,"num_words":1,"start":2140.1702,"end":2140.49},{"sentences":[{"text":"Like, is","start":2140.3098,"end":2140.71,"sentiment":"neutral","sentiment_score":0.0030072955414652824}],"sentiment":"neutral","sentiment_score":0.0030072955414652824,"channel":1,"num_words":2,"start":2140.3098,"end":2140.71},{"sentences":[{"text":"HUB24","start":2140.49,"end":2140.99,"sentiment":"neutral","sentiment_score":0.022863587364554405}],"sentiment":"neutral","sentiment_score":0.022863587364554405,"channel":0,"num_words":1,"start":2140.49,"end":2140.99},{"sentences":[{"text":"my balance yeah.","start":2140.71,"end":2142.17,"sentiment":"neutral","sentiment_score":0.023652824262777965}],"sentiment":"neutral","sentiment_score":0.023652824262777965,"channel":1,"num_words":3,"start":2140.71,"end":2142.17},{"sentences":[{"text":"it it honestly depends upon what we do.","start":2142.6501,"end":2144.73,"sentiment":"neutral","sentiment_score":0.04149356950074434},{"text":"I've gotta do a bit of research around Hub twenty four, what the insurance options are.","start":2144.73,"end":2148.895,"sentiment":"neutral","sentiment_score":0.050997221493162215},{"text":"I need to do the pre assessment to assess, you know, what we can do and what we're able to do.","start":2149.2751,"end":2153.995,"sentiment":"neutral","sentiment_score":0.08040353709033557},{"text":"So I'll do the research on that for you.","start":2153.995,"end":2156.495,"sentiment":"neutral","sentiment_score":0.12892884595526588},{"text":"If you like, I can do that research.","start":2156.7952,"end":2158.895,"sentiment":"neutral","sentiment_score":0.13909783959388733}],"sentiment":"neutral","sentiment_score":0.08241162434100144,"channel":0,"num_words":62,"start":2142.6501,"end":2158.895},{"sentences":[{"text":"I'll get you booked in to do a pre assessment.","start":2159.1501,"end":2160.99,"sentiment":"neutral","sentiment_score":0.16588815152645112},{"text":"I'll do the research for you on the options, and then we can come back and talk about it.","start":2160.99,"end":2165.31,"sentiment":"neutral","sentiment_score":0.14543245301434868},{"text":"Does that sound okay?","start":2165.31,"end":2166.45,"sentiment":"neutral","sentiment_score":0.13128219731152058}],"sentiment":"neutral","sentiment_score":0.1499159670237339,"channel":0,"num_words":33,"start":2159.1501,"end":2166.45},{"sentences":[{"text":"Yeah.","start":2166.38,"end":2166.54,"sentiment":"neutral","sentiment_score":0.09910090267658234},{"text":"Yeah.","start":2166.54,"end":2166.78,"sentiment":"neutral","sentiment_score":0.1810290515422821},{"text":"That sounds great.","start":2166.78,"end":2167.5,"sentiment":"positive","sentiment_score":0.40190670887629193},{"text":"And because I was","start":2167.5,"end":2168.22,"sentiment":"neutral","sentiment_score":0.05898249056190252}],"sentiment":"neutral","sentiment_score":0.19130889367726114,"channel":1,"num_words":9,"start":2166.38,"end":2168.22},{"sentences":[{"text":"Yeah?","start":2168.1902,"end":2168.6902,"sentiment":"neutral","sentiment_score":0.01311552617698908}],"sentiment":"neutral","sentiment_score":0.01311552617698908,"channel":0,"num_words":1,"start":2168.1902,"end":2168.6902},{"sentences":[{"text":"thinking oh, what was that?","start":2168.22,"end":2171.2,"sentiment":"neutral","sentiment_score":-0.019087029993534087},{"text":"I just had a brain, but I thought what was it in my insurance line.","start":2171.26,"end":2175.1199,"sentiment":"neutral","sentiment_score":-0.02984227811296781},{"text":"Because you know how well, well, I went on to compare the market and compare","start":2175.42,"end":2179.795,"sentiment":"neutral","sentiment_score":0.036745851735274}],"sentiment":"neutral","sentiment_score":0.0002319558390549251,"channel":1,"num_words":35,"start":2168.22,"end":2179.795},{"sentences":[{"text":"Yes.","start":2179.7249,"end":2180.2249,"sentiment":"neutral","sentiment_score":0.06353262811899185}],"sentiment":"neutral","sentiment_score":0.06353262811899185,"channel":0,"num_words":1,"start":2179.7249,"end":2180.2249},{"sentences":[{"text":"so I compare health, compare but, you know, my car insurance, all that.","start":2179.9548,"end":2184.835,"sentiment":"neutral","sentiment_score":0.04167363305504505},{"text":"Is there","start":2184.835,"end":2185.2349,"sentiment":"neutral","sentiment_score":0.05191632732748985}],"sentiment":"neutral","sentiment_score":0.04303932562470436,"channel":1,"num_words":15,"start":2179.9548,"end":2185.2349},{"sentences":[{"text":"Yes.","start":2185.165,"end":2185.665,"sentiment":"neutral","sentiment_score":0.09005546569824219}],"sentiment":"neutral","sentiment_score":0.09005546569824219,"channel":0,"num_words":1,"start":2185.165,"end":2185.665},{"sentences":[{"text":"something like that you can do where you compare life insurance, funeral insurance, and what will be more suitable to my, you know, to my fortnightly wage or monthly wage that I can afford.","start":2185.2349,"end":2195.26,"sentiment":"neutral","sentiment_score":0.08632547682260766},{"text":"You know, like, I don't know.","start":2195.72,"end":2197.56,"sentiment":"neutral","sentiment_score":-0.0905827737102906},{"text":"I've got all these funds that I'm paying money here and there.","start":2197.56,"end":2200.54,"sentiment":"neutral","sentiment_score":-0.16448383840421835},{"text":"Which one?","start":2200.9202,"end":2201.48,"sentiment":"neutral","sentiment_score":-0.11257262527942657},{"text":"What do I do?","start":2201.48,"end":2202.4602,"sentiment":"neutral","sentiment_score":-0.12817220017313957}],"sentiment":"neutral","sentiment_score":-0.005518457627501981,"channel":1,"num_words":58,"start":2185.2349,"end":2202.4602},{"sentences":[{"text":"What do","start":2202.6,"end":2203.26,"sentiment":"neutral","sentiment_score":-0.10416409373283386}],"sentiment":"neutral","sentiment_score":-0.10416409373283386,"channel":1,"num_words":2,"start":2202.6,"end":2203.26},{"sentences":[{"text":"Yep.","start":2203.385,"end":2203.885,"sentiment":"neutral","sentiment_score":-0.01349753886461258}],"sentiment":"neutral","sentiment_score":-0.01349753886461258,"channel":0,"num_words":1,"start":2203.385,"end":2203.885},{"sentences":[{"text":"I do?","start":2203.4001,"end":2203.755,"sentiment":"neutral","sentiment_score":-0.03512790612876415},{"text":"Because I've got,","start":2203.835,"end":2204.2349,"sentiment":"neutral","sentiment_score":-0.011719767625133196}],"sentiment":"neutral","sentiment_score":-0.02108302302658558,"channel":1,"num_words":5,"start":2203.4001,"end":2204.2349},{"sentences":[{"text":"Yep.","start":2204.1848,"end":2204.6848,"sentiment":"neutral","sentiment_score":0.00951765850186348}],"sentiment":"neutral","sentiment_score":0.00951765850186348,"channel":0,"num_words":1,"start":2204.1848,"end":2204.6848},{"sentences":[{"text":"you know, Australian Super.","start":2204.2349,"end":2205.595,"sentiment":"neutral","sentiment_score":0.006470210384577513},{"text":"I've got that 160,000 life insurance there, and I've got I don't know what I've got with HUB24, and then I've got this other insurance with insurance line as 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wise.","start":2218.02,"end":2220.92,"sentiment":"neutral","sentiment_score":-0.12162110395729542},{"text":"Yep.","start":2222.9,"end":2223.4,"sentiment":"neutral","sentiment_score":0.014854034408926964}],"sentiment":"neutral","sentiment_score":-0.1201034456025809,"channel":0,"num_words":24,"start":2215.54,"end":2223.4},{"sentences":[{"text":"okay.","start":2223.1575,"end":2223.6575,"sentiment":"neutral","sentiment_score":0.02652566507458687}],"sentiment":"neutral","sentiment_score":0.02652566507458687,"channel":1,"num_words":1,"start":2223.1575,"end":2223.6575},{"sentences":[{"text":"But I'll look at what I can do.","start":2223.6199,"end":2225.24,"sentiment":"neutral","sentiment_score":0.03859407198615372},{"text":"What day next week suits you best to maybe go to a quick pre assessment with one of my beautiful admin team?","start":2225.54,"end":2230.7048,"sentiment":"neutral","sentiment_score":0.09134990518743341}],"sentiment":"neutral","sentiment_score":0.0772816830004255,"channel":0,"num_words":30,"start":2223.6199,"end":2230.7048},{"sentences":[{"text":"Well, I start my new job as Monday, so probably busy","start":2232.305,"end":2235.765,"sentiment":"neutral","sentiment_score":-0.03739281134171919}],"sentiment":"neutral","sentiment_score":-0.03739281134171919,"channel":1,"num_words":11,"start":2232.305,"end":2235.765},{"sentences":[{"text":"Mhmm.","start":2235.4048,"end":2235.9048,"sentiment":"neutral","sentiment_score":-0.02664219960570335}],"sentiment":"neutral","sentiment_score":-0.02664219960570335,"channel":0,"num_words":1,"start":2235.4048,"end":2235.9048},{"sentences":[{"text":"at the beginning of the week.","start":2235.825,"end":2236.785,"sentiment":"neutral","sentiment_score":-0.017633158713579178},{"text":"So let's probably make it Friday at the end of the week, I reckon.","start":2236.785,"end":2239.525,"sentiment":"neutral","sentiment_score":0.011091385568891252}],"sentiment":"neutral","sentiment_score":0.0024740222841501238,"channel":1,"num_words":20,"start":2235.825,"end":2239.525},{"sentences":[{"text":"Yeah.","start":2239.9,"end":2240.14,"sentiment":"neutral","sentiment_score":0.04810706898570061},{"text":"That's okay.","start":2240.14,"end":2240.96,"sentiment":"neutral","sentiment_score":0.08070418983697891},{"text":"We're open till about 02:30.","start":2241.26,"end":2243.66,"sentiment":"neutral","sentiment_score":0.05427663177251816},{"text":"Our last call is normally run at 01:00 on a Friday.","start":2243.66,"end":2246.56,"sentiment":"neutral","sentiment_score":0.03204690038480542},{"text":"Would that suit you at all, or did you want kind of the morning?","start":2247.98,"end":2251.1199,"sentiment":"neutral","sentiment_score":0.019609666030321802}],"sentiment":"neutral","sentiment_score":0.033574237459988304,"channel":0,"num_words":33,"start":2239.9,"end":2251.1199},{"sentences":[{"text":"No.","start":2251.8801,"end":2252.04,"sentiment":"neutral","sentiment_score":-0.01049558911472559},{"text":"Good afternoon will be fine.","start":2252.04,"end":2253.34,"sentiment":"neutral","sentiment_score":0.037718451023101805}],"sentiment":"neutral","sentiment_score":0.02968277766679724,"channel":1,"num_words":6,"start":2251.8801,"end":2253.34},{"sentences":[{"text":"Yeah.","start":2253.905,"end":2254.145,"sentiment":"neutral","sentiment_score":0.13350072503089905},{"text":"Perfect.","start":2254.145,"end":2254.625,"sentiment":"neutral","sentiment_score":0.2488231062889099},{"text":"So that'll be about 1PM on Friday next week, which is the March 6.","start":2254.625,"end":2259.7449,"sentiment":"neutral","sentiment_score":0.07888548342244965},{"text":"Is that okay?","start":2259.7449,"end":2260.565,"sentiment":"neutral","sentiment_score":0.08343691875537236}],"sentiment":"neutral","sentiment_score":0.09142270292106427,"channel":0,"num_words":19,"start":2253.905,"end":2260.565},{"sentences":[{"text":"Yep.","start":2260.76,"end":2261.0,"sentiment":"neutral","sentiment_score":0.12561458349227905},{"text":"That's perfect.","start":2261.0,"end":2261.74,"sentiment":"positive","sentiment_score":0.48622626066207886}],"sentiment":"positive","sentiment_score":0.36602236827214557,"channel":1,"num_words":3,"start":2260.76,"end":2261.74},{"sentences":[{"text":"Beautiful.","start":2262.2249,"end":2262.7249,"sentiment":"positive","sentiment_score":0.6839643716812134},{"text":"It won't take long.","start":2262.785,"end":2263.665,"sentiment":"positive","sentiment_score":0.39320438355207443},{"text":"I'll just run through a bit of a pre assessment questionnaire.","start":2263.665,"end":2265.905,"sentiment":"neutral","sentiment_score":0.24397582628510214},{"text":"We just update what we already have on file, and then I can go and do a little bit of research to see what options we have.","start":2265.905,"end":2273.21,"sentiment":"neutral","sentiment_score":0.2054584597547849},{"text":"And then I can come back and talk to you about it before we go to advise if you like.","start":2273.2698,"end":2277.1099,"sentiment":"neutral","sentiment_score":0.17847406193614007}],"sentiment":"neutral","sentiment_score":0.22313294677980364,"channel":0,"num_words":63,"start":2262.2249,"end":2277.1099},{"sentences":[{"text":"That way, you get a feel for what we're looking at, what we're trying to do, and it helps you to maybe think in the meantime what it is that you're after when we're looking at insurances, what you want to happen, that sort of thing.","start":2277.1099,"end":2288.505,"sentiment":"neutral","sentiment_score":0.18101915870995625},{"text":"Does that sound okay?","start":2288.505,"end":2289.4849,"sentiment":"neutral","sentiment_score":0.11265995725989342}],"sentiment":"neutral","sentiment_score":0.17555042259395123,"channel":0,"num_words":50,"start":2277.1099,"end":2289.4849},{"sentences":[{"text":"Yep.","start":2289.8398,"end":2290.0798,"sentiment":"neutral","sentiment_score":0.15176387131214142},{"text":"Sounds perfect.","start":2290.0798,"end":2290.9,"sentiment":"positive","sentiment_score":0.4818686842918396}],"sentiment":"positive","sentiment_score":0.3718337466319402,"channel":1,"num_words":3,"start":2289.8398,"end":2290.9},{"sentences":[{"text":"Perfect.","start":2291.545,"end":2292.045,"sentiment":"positive","sentiment_score":0.5748567581176758},{"text":"Excellent.","start":2292.265,"end":2292.765,"sentiment":"positive","sentiment_score":0.5336043834686279},{"text":"Now the other thing to sort of have a look at, look, your Superfund within Hub twenty four has done really well over the last twelve months.","start":2293.8,"end":2299.6401,"sentiment":"neutral","sentiment_score":0.2396469756408974},{"text":"As I sort of mentioned that you have got about 94,000 in there.","start":2299.6401,"end":2303.5,"sentiment":"neutral","sentiment_score":0.06383240824708572},{"text":"We have seen a little bit of a dip with one of the funds.","start":2304.12,"end":2307.74,"sentiment":"neutral","sentiment_score":-0.012960222815828664}],"sentiment":"neutral","sentiment_score":0.14691620842287584,"channel":0,"num_words":56,"start":2291.545,"end":2307.74},{"sentences":[{"text":"So in your super fund, you've got a diversified portfolio.","start":2307.8,"end":2312.085,"sentiment":"neutral","sentiment_score":0.10304309614002705},{"text":"We have Australian equities.","start":2312.145,"end":2313.585,"sentiment":"neutral","sentiment_score":0.024667116347700357},{"text":"We've got US investments.","start":2313.585,"end":2315.045,"sentiment":"neutral","sentiment_score":0.05191979743540287},{"text":"We've got global health care, Asian investments, and we've got some cybersecurity to agriculture and battery and lithium tax.","start":2315.105,"end":2322.085,"sentiment":"neutral","sentiment_score":0.08409584627339714},{"text":"Within your portfolio over the last twelve months, your Australian the Benelon Australian Equities Partners has invested into Australian companies.","start":2322.74,"end":2330.5999,"sentiment":"neutral","sentiment_score":0.026469723088666797}],"sentiment":"neutral","sentiment_score":0.060771827324571315,"channel":0,"num_words":57,"start":2307.8,"end":2330.5999},{"sentences":[{"text":"That is down a little bit.","start":2331.22,"end":2332.42,"sentiment":"neutral","sentiment_score":-0.1849269481996695},{"text":"They've had a bit of an issue underlying.","start":2332.42,"end":2334.3599,"sentiment":"neutral","sentiment_score":-0.16012709587812424},{"text":"I would like to maybe swap that out as part of the advice update, but we'll do all this at once so you can see everything.","start":2334.42,"end":2341.005,"sentiment":"neutral","sentiment_score":-0.011735580360087065},{"text":"But, realistically, your portfolio was slightly down because of that investment.","start":2342.025,"end":2345.565,"sentiment":"neutral","sentiment_score":-0.19738322767344388},{"text":"Overall, it's about 1% down, but you've still made a lot of money over the time.","start":2345.7048,"end":2350.29,"sentiment":"neutral","sentiment_score":0.13258776161819696}],"sentiment":"neutral","sentiment_score":-0.04097783379256725,"channel":0,"num_words":67,"start":2331.22,"end":2350.29},{"sentences":[{"text":"And when we look at how your portfolio has been growing over the last couple of years, you're still up 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They provide information on various financial services and insurance plans, including life insurance and funeral cover. The importance of covering oneself for trauma-related expenses and starting small is emphasized. A pre assessment appointment is scheduled for the customer to discuss their insurance coverage for trauma, including coverage up to 70% of their current income and a waiting period of four weeks. The agent suggests starting slowly and slowly, as well as doing a pre assessment and exploring income protection options. The agent assures the customer that they will assist with their coverage and offers to help with their debt."},"intents":{"segments":[{"text":"I had you booked in to go through a bit of an annual review with you today. Isn't now still a good time? Yeah.","start_word":25,"end_word":48,"intents":[{"intent":"Review employment situation","confidence_score":0.000038448015},{"intent":"Schedule annual review","confidence_score":0.11804614}]},{"text":"And, also, just to do security there with you as well, we are discussing your personal information. So I'll just get you to confirm your full name, date of birth, and address I should have on file. Brenda Lee Kelly.","start_word":128,"end_word":167,"intents":[{"intent":"Confirm security","confidence_score":0.28154337}]},{"text":"It looks like there is some advice that we can definitely provide to sort of help you look at your super, and I can see you've also opened up another super recently as well.","start_word":276,"end_word":309,"intents":[{"intent":"Provide guidance on super","confidence_score":0.00063697674},{"intent":"Provide advice on super","confidence_score":0.004255054}]},{"text":"So, yeah, so I'm running down to one income now, but it's not it's not a lot of money more than NTG.","start_word":370,"end_word":391,"intents":[{"intent":"Report income situation","confidence_score":0.0011301187}]},{"text":"So, yeah, so I'm running down to one income now, but it's not it's not a lot of money more than NTG. Yeah.","start_word":370,"end_word":392,"intents":[{"intent":"Discuss role salary","confidence_score":0.00017344327}]},{"text":"So with the new role, who is that working for?","start_word":422,"end_word":431,"intents":[{"intent":"Discuss role","confidence_score":0.022835752}]},{"text":"So with the new role, who is that working for? What who's the new employer? Still with Dentia?","start_word":422,"end_word":439,"intents":[{"intent":"Share role details","confidence_score":0.0006416394}]},{"text":"So part of today, I did wanna talk about what, you know, what your goals are, what you wanna do, and maybe update the advice to reflect for you. Absolutely.","start_word":501,"end_word":530,"intents":[{"intent":"Update advice","confidence_score":0.14016536}]},{"text":"So you still with Venty, which is fantastic. Is your role staying roughly the same? Are you gonna be doing the same sort of work? Or No. Different work.","start_word":531,"end_word":559,"intents":[{"intent":"Compare roles","confidence_score":0.002268028}]},{"text":"Is your role staying roughly the same? Are you gonna be doing the same sort of work? Or No.","start_word":539,"end_word":557,"intents":[{"intent":"Discuss role status","confidence_score":0.077239536}]},{"text":"the contract now. That's okay. Yeah.","start_word":714,"end_word":719,"intents":[{"intent":"Discuss contract","confidence_score":0.2903999}]},{"text":"So a lot's been done because I have to transfer everything over that I had there before. Like, everything was all set to government. So it's been a long couple of weeks of transferring stuff over, hand over, all of that good stuff that you Yeah.","start_word":721,"end_word":766,"intents":[{"intent":"Transfer","confidence_score":0.23750298}]},{"text":"So cash salary, 90 Yep. $8,214.29 per annum. Yep. Superannuation, $11,785.71 per annum, Yep. Yep. 1212% of ordinary time earning, and the total fixed renew renumeration is a 110,000 per annum. Okay. Perfect. So the 110 is including your superannuation there. Perfect. Yeah. And have you asked your new employer to continue salary Yeah.","start_word":772,"end_word":825,"intents":[{"intent":"Continue salary","confidence_score":0.04215857}]},{"text":"So paid monthly, that'll be a little bit harder. Having a secondary account could also work as well for you where you work out, divide your pay by, you know, four weeks for the month or however many weeks in the month.","start_word":1115,"end_word":1156,"intents":[{"intent":"Manage payments","confidence_score":0.025125517}]},{"text":"So just finding, you know, 20 or 30 or $50 on a weekly basis and moving that into your goal saver. So you build that habit slowly and gradually. And then as you get comfortable with the amount of money you're putting away and you get, you know, more comfortable with seeing it there and not transferring it back, then you can kinda build that up.","start_word":1505,"end_word":1570,"intents":[{"intent":"Develop and motivate small savings habits","confidence_score":5.1432675e-8}]},{"text":"But, essentially, it is showing you the ongoing service agreement that has been sent there. Essentially, you do as an ongoing service client, you do pay us an ongoing service fee of 1.65% per annum. That is deducted in smaller monthly increments out of your super account.","start_word":1823,"end_word":1869,"intents":[{"intent":"Educate about fee and transition","confidence_score":0.0008412547}]},{"text":"So we do wanna maybe look at trying to consolidate some of those things.","start_word":2390,"end_word":2403,"intents":[{"intent":"Consolidate super funds","confidence_score":0.24677637}]},{"text":"We can get the contributions form sent to you with the Plum Super. So I'm just having a look at the statements here as well because I know you do have your insurance line, life insurance, and the funeral cover there, which is really important for you to keep.","start_word":2517,"end_word":2565,"intents":[{"intent":"Assign contributions","confidence_score":0.0019811853}]},{"text":"At the moment, the life insurance and the funeral cover is showing us a total sum insured of 200,512, and I know the funeral cover is also really important because you're covering your kids as well. Are you still comfortable paying for that level of cover out of your back pocket?","start_word":2567,"end_word":2617,"intents":[{"intent":"Explain insurance coverage of children","confidence_score":8.2646505e-7},{"intent":"Clarify insurance cost","confidence_score":0.0014423003}]},{"text":"Are you still comfortable paying for that level of cover out of your back pocket?","start_word":2602,"end_word":2616,"intents":[{"intent":"Confirm payment method","confidence_score":0.0023318848}]},{"text":"wanna attempt anything really.","start_word":2666,"end_word":2669,"intents":[{"intent":"Experiment with funeral policies","confidence_score":0.000008557295}]},{"text":"And, I mean, from what I can see here, you're paying about $29.61 per month. Is that sort of how much you're paying for that one at the moment? Has that altered since we last got the research? Yep.","start_word":2705,"end_word":2743,"intents":[{"intent":"Suggest new cost","confidence_score":1.1103387e-9}]},{"text":"Is that sort of how much you're paying for that one at the moment? Has that altered since we last got the research? Yep.","start_word":2720,"end_word":2743,"intents":[{"intent":"Clarify funeral cost","confidence_score":0.0021844183}]},{"text":"So one's funeral, one's wife. Yep.","start_word":2753,"end_word":2758,"intents":[{"intent":"Confirm funeral plans","confidence_score":0.0002744054}]},{"text":"And because the funeral policies how much have you covered yourself and the kids for with the funeral policies recently?","start_word":2771,"end_word":2790,"intents":[{"intent":"Clarify coverage for children","confidence_score":0.00019712932}]},{"text":"I just wanna make sure I understand the policies in detail to kinda give you that information so you understand what it is that you've got. Okay? Yeah.","start_word":3000,"end_word":3027,"intents":[{"intent":"Understand policies","confidence_score":0.34208608},{"intent":"Understand policies","confidence_score":0.44868296},{"intent":"Provide information","confidence_score":0.21801536}]},{"text":"But I'm just having a look at the standard cost of funerals because it is different depending on the kind of funeral that you do want or what they want to happen.","start_word":3206,"end_word":3237,"intents":[{"intent":"Discuss standard cost","confidence_score":0.00028308254},{"intent":"Look at funeral costs","confidence_score":0.0033209678}]},{"text":"Burials are the ones that cost a bit more because you have to buy the plot and hold that for longer. So, realistically, the amount you have for them could be fairly sufficient. And if insurance line do increase the policy along with time, then you may be able to it may just automatically increase, which might help you along as well. Does that make sense?","start_word":3348,"end_word":3413,"intents":[{"intent":"Discuss funeral plan details","confidence_score":0.00053707976}]},{"text":"With the the insurances, did you want us to maybe obtain a quote from insurance line for you to see what it would cost if you did increase that just so you can see the difference? Yes, please.","start_word":3737,"end_word":3774,"intents":[{"intent":"Provide a quote","confidence_score":0.00056348054}]},{"text":"So we just wanna sort of wanna work out what insurance wise is important because you do have that cover with your life cover with insurance line that you're paying out of pocket, and that covers you for 200,000 sorry.","start_word":4029,"end_word":4068,"intents":[{"intent":"Inquire about insurance coverage coverage","confidence_score":0.000114313836}]},{"text":"If you were to having a look at your circumstances now, if you were to pass away, what did you want your funeral like, what did you want your life cover to pay off? Would it be all your debts, or what did you want your life cover to to actually cover?","start_word":4075,"end_word":4126,"intents":[{"intent":"Discuss funeral arrangements","confidence_score":0.20871185},{"intent":"Inquire about funeral expenses","confidence_score":0.00025585102}]},{"text":"And are you planning to keep it open? Are you gonna cancel it and sort of put the money onto the next step and try to reduce the amount of buy now, Yeah.","start_word":4254,"end_word":4286,"intents":[{"intent":"Discuss payment plans","confidence_score":0.006061656}]},{"text":"So using your free cash flow that you have, paying down the smallest debt first, and then closing it off. Closing it off is going to be the biggest benefit because if you have it open, you're more likely to still use it.","start_word":4350,"end_word":4392,"intents":[{"intent":"Maximize cash flow","confidence_score":0.014332387}]},{"text":"It would be roughly about $3. Okay. Perfect.","start_word":5134,"end_word":5141,"intents":[{"intent":"Discuss cost savings","confidence_score":0.00059228047}]},{"text":"So with the Australian Super and the Plum Super, I'm having a look here. You do have a bit of cover. So when you opened up these funds, you must have picked yes to apply for a basic level of cover.","start_word":5665,"end_word":5705,"intents":[{"intent":"Share funds and preferences","confidence_score":0.000003429847}]},{"text":"them because last financial year, I end up getting a tax bill for 3,000 because I wasn't paying the extra Yeah. money on top of my super to cover it, you know, when they do that kind of stuff. So that was yeah. That's been taken, like, nearly 600 out for my tax tax as well just so I don't get billed Wow.","start_word":5832,"end_word":5894,"intents":[{"intent":"Resolve billing problem","confidence_score":0.000004320731}]},{"text":"Stop the contributions of extra funds now that I've only got one Yep. job.","start_word":5929,"end_word":5942,"intents":[{"intent":"Stop extra contributions","confidence_score":0.34244025}]},{"text":"With Brenda, with the Plumb Sleeper, it looks like there's no insurances here, which is a benefit to Plumb, so we can definitely look to consolidate that. There's no cover in this one. It would be due to the balance being lower. It's only 6,622. But Yeah.","start_word":6029,"end_word":6075,"intents":[{"intent":"Consolidate insurance coverage","confidence_score":0.1426261}]},{"text":"There may be some ways where we might be able to look at trying to keep the cover but still being able to consolidate you.","start_word":6229,"end_word":6253,"intents":[{"intent":"Consolidate insurance","confidence_score":0.24094166}]},{"text":"So I will look at all the different options to see what we can do.","start_word":6254,"end_word":6268,"intents":[{"intent":"Review options","confidence_score":0.016726254}]},{"text":"If I was to book in, maybe a call with one of my lovely admin team one day, maybe next week to go through a new pre assessment just so I can have a look at what we can do with the insurance and where we might be able to go advice wise to help consolidate and not have so many super funds. Would that be okay?","start_word":6361,"end_word":6427,"intents":[{"intent":"Book call","confidence_score":0.11735718}]},{"text":"But I just need to do check your health and check your pre assessment to see if there's been any changes since we last did one and to see what options we have for doing that and what the costs are.","start_word":6540,"end_word":6580,"intents":[{"intent":"Check health","confidence_score":0.66555136},{"intent":"Discuss cost","confidence_score":0.0077058068}]},{"text":"That way, you can keep that extra level of cover. Either way, you can keep the Australian line sorry. Insurance line cover open. That's not a problem at all. It does not in any way, shape, or form affect the advice, and you're paying for out of pocket. So it doesn't affect your super funds either. Okay?","start_word":6619,"end_word":6675,"intents":[{"intent":"Transfer insurance coverage","confidence_score":0.0006476196}]},{"text":"I've gotta do a bit of research around Hub twenty four, what the insurance options are.","start_word":6708,"end_word":6723,"intents":[{"intent":"Research insurance options","confidence_score":0.18094343}]},{"text":"Because you know how well, well, I went on to compare the market and compare Yes.","start_word":6825,"end_word":6840,"intents":[{"intent":"Compare insurance options","confidence_score":0.13543375}]},{"text":"so I compare health, compare but, you know, my car insurance, all that.","start_word":6841,"end_word":6853,"intents":[{"intent":"Compare life insurance","confidence_score":0.05420715},{"intent":"Compar funeral insurance","confidence_score":0.0044392007}]},{"text":"What day next week suits you best to maybe go to a quick pre assessment with one of my beautiful admin team?","start_word":6996,"end_word":7017,"intents":[{"intent":"Schedule pre assessment","confidence_score":0.47494328}]},{"text":"I'll just run through a bit of a pre assessment questionnaire. We just update what we already have on file, and then I can go and do a little bit of research to see what options we have.","start_word":7116,"end_word":7153,"intents":[{"intent":"Explore options and concerns","confidence_score":0.000022860155}]},{"text":"I would like to maybe swap that out as part of the advice update, but we'll do all this at once so you can see everything.","start_word":7354,"end_word":7379,"intents":[{"intent":"Swap investment","confidence_score":0.5896246}]},{"text":"So just a small sort of pullback in that one investment, I wanna take it out and put something else in its place that's been working better and is gonna provide benefit. You comfortable with that?","start_word":7428,"end_word":7463,"intents":[{"intent":"Provide benefits","confidence_score":0.019571079}]},{"text":"Do you know what age you'd like to be able to maybe stop working and retire? Are you working on 60 still, or do you think you'd work a bit longer? Probably 65, I reckon.","start_word":7467,"end_word":7501,"intents":[{"intent":"Stop working","confidence_score":0.005823281},{"intent":"Determine work age","confidence_score":0.00016556671},{"intent":"Determine retirement age","confidence_score":0.4177442}]},{"text":"You've never had investments in your own name before? You've never owned shares before at all?","start_word":7617,"end_word":7632,"intents":[{"intent":"Understand investment history","confidence_score":0.005556943}]},{"text":"The other thing I wanted to sort of look at was if you looked at your super and it dropped by 20% to say we have, you know, another kind of COVID or GFC GFC style event and your super dropped significantly by, say, 20% in the next sort of six to twelve months. How do you think you might be feeling about that?","start_word":7643,"end_word":7706,"intents":[{"intent":"Evaluate market trends","confidence_score":0.0032623305}]},{"text":"Would you be comfortable knowing you were going through that sort of event and that your portfolio can come back and recover and that we're putting money into that downtime to advantage you, or do you think you'd be more concerned and wanting to move money out? No.","start_word":8056,"end_word":8103,"intents":[{"intent":"Understand situation","confidence_score":0.01092527}]},{"text":"you'd you'd be okay knowing that you can come out, that we're still putting your contributions in, and that you can take advantage of those downtimes? Yes. Yep.","start_word":8119,"end_word":8146,"intents":[{"intent":"Commitment","confidence_score":0.00033201388}]},{"text":"We can start with 20 or $40 on a weekly or fortnightly basis and then kinda work it from there, or do you Yep. want that something down the track? Yeah.","start_word":8402,"end_word":8432,"intents":[{"intent":"Decide payment plan","confidence_score":0.0028909435}]},{"text":"We can incorporate the estate planning side of things for you. And with implementation, we can always send you referral information for a local solicitor we use and, obviously, costing so you can understand what that cost as well. Is that okay? Yep.","start_word":8797,"end_word":8839,"intents":[{"intent":"Integrate estate planning","confidence_score":0.47916442},{"intent":"Understand cost","confidence_score":0.33644608}]},{"text":"And with implementation, we can always send you referral information for a local solicitor we use and, obviously, costing so you can understand what that cost as well. Is that okay? Yep.","start_word":8808,"end_word":8839,"intents":[{"intent":"Send referral information","confidence_score":0.48512775}]},{"text":"With what I would be looking at doing first is focusing on the paying down of the debts because, realistically, investment property is great. It's a good asset.","start_word":8968,"end_word":8995,"intents":[{"intent":"Focus on paying down debts","confidence_score":0.5338407}]},{"text":"So if you can pay off those buy now, pay laters, close them down, and then start saving, You'll basically be showing that you've got a savings habit, that you've paid off your debts, so that you've got that you're able to manage money, and that's what lenders are gonna look really positively on.","start_word":9035,"end_word":9088,"intents":[{"intent":"Manage money","confidence_score":0.36028224}]},{"text":"But for now, I would be focusing on you getting your debts paid down, closing off a lot of those buy now, pay laters, and then putting money into savings on a regular basis so you've got a savings habit.","start_word":9120,"end_word":9159,"intents":[{"intent":"Discuss debt management","confidence_score":0.0031816561}]},{"text":"But doing things one at a time, but knowing that your long term goal is perfect. Does that help?","start_word":9183,"end_word":9201,"intents":[{"intent":"Discuss long-term goals","confidence_score":0.1435696}]},{"text":"With your super, we're working on age 65. You wanna look at what to do with the insurance cover. You just wanna be covered for best amount of in life of cover as possible.","start_word":9238,"end_word":9271,"intents":[{"intent":"Ask about insurance coverage","confidence_score":0.00076403894}]},{"text":"Do you know do you have obviously, you're starting this new job as well. But if you were really sick or injured and you were not able to go to work, how do you think you would fund expenses at the moment? Yeah.","start_word":9282,"end_word":9324,"intents":[{"intent":"Understand financial situation","confidence_score":0.0001540211}]},{"text":"If you're not able to go to work in the short term, being as you are single, it does mean with not much in the way of savings and the expenses you have at the moment, it might be hard to live, which means you may have to apply for Centrelink, which can take anywhere from thirteen weeks for approval.","start_word":9371,"end_word":9430,"intents":[{"intent":"Discuss centrelink application","confidence_score":0.023887321}]},{"text":"So I can look at maybe some income protection options, have a look at what's out there, what's available, and we'll do the pre assessment. I'll do some research on some options, and then we can come back and have a really good insurance conversation about what you're after. Does that sound okay?","start_word":9431,"end_word":9483,"intents":[{"intent":"Discuss income protection options","confidence_score":0.14035204}]},{"text":"So trauma tends to pay out a lump sum tax free benefit in the event that you are, say, diagnosed with a a very large traumatic condition.","start_word":9567,"end_word":9593,"intents":[{"intent":"Identify trauma triggers","confidence_score":0.00014131889}]},{"text":"Did you wanna look at some trauma to give you a little bit of an extra buffer there at all, or are you kinda not wanting to add to the out of pocket expenses? Not cover it too.","start_word":9630,"end_word":9667,"intents":[{"intent":"Provide cushion for trauma","confidence_score":0.00007756733}]},{"text":"I'll have a look at what the options are available to you.","start_word":10025,"end_word":10036,"intents":[{"intent":"Explore options","confidence_score":0.01302147}]},{"text":"out about about my superannuation, like insurance?","start_word":10272,"end_word":10278,"intents":[{"intent":"Discuss superannuation options","confidence_score":0.031072088}]},{"text":"Beautiful.","start_word":10330,"end_word":10330,"intents":[{"intent":"Confirm understanding","confidence_score":0.10913427}]},{"text":"So I've booked in your pre assessment with the admin team next Friday. I'll get them to give you a call at 01:00 Queensland time and go through that with you.","start_word":10442,"end_word":10472,"intents":[{"intent":"Schedule pre assessment","confidence_score":0.0803771}]},{"text":"Does that sound okay? Yep.","start_word":10581,"end_word":10585,"intents":[{"intent":"Confirm availability","confidence_score":0.0011618397},{"intent":"Request verification","confidence_score":0.000011996894}]}]},"sentiments":{"segments":[{"text":"Good morning. Hi, Brenda. This is Zena from Okie Financial. How are you today? Yeah.","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.17832861840724945},{"text":"Good.","start_word":15,"end_word":15,"sentiment":"positive","sentiment_score":0.3718577027320862},{"text":"How are you doing?","start_word":16,"end_word":19,"sentiment":"neutral","sentiment_score":0.29347720742225647},{"text":"I'm very well. Thank you.","start_word":20,"end_word":24,"sentiment":"positive","sentiment_score":0.5401999354362488},{"text":"I had you booked in to go through a bit of an annual review with you today. Isn't now still a good time? Yeah. No.","start_word":25,"end_word":49,"sentiment":"neutral","sentiment_score":0.06245617195963859},{"text":"It's perfect. Thank you.","start_word":50,"end_word":53,"sentiment":"positive","sentiment_score":0.4001096785068512},{"text":"That's okay. How's your morning been so far? Yeah. Good. I've got a week off this week, and it's just yeah. Thought I'd be able to have a relaxing week, but still doing Yep. the work runs for the kids. Yeah. Understandable. All good. Brenda, just to let you know, moving forward, we do recur our calls for quality and training purposes. Are you happy for us to proceed with that? Yep. Yep. Lovely. And, also, just to do security there with you as well, we are discussing your personal information. So I'll just get you to confirm your full name, date of birth, and address I should have on file. Brenda Lee Kelly. May 22. Unit 3103 Kringle Court oh, sorry. 4 Kringle Court, Sunny Bay, Northern Territory. Perfect.","start_word":54,"end_word":183,"sentiment":"neutral","sentiment_score":0.12912672758102417},{"text":"Thank you so much for that.","start_word":184,"end_word":189,"sentiment":"positive","sentiment_score":0.4052053391933441},{"text":"So as I said, I have you booked in to go through your annual review. Do you happen to have access to your emails at the moment? Or Yep. yeah. Perfect. I'm just gonna send through some annual review documents to you. If I can get you to pop into your emails there and pull these ones up, we can kinda just go through those as we are going through and updating all of your circumstances. We have had a bit of a look at things. It looks like there is some advice that we can definitely provide to sort of help you look at your super, and I can see you've also opened up another super recently as well. You've got a new job, have you? Yeah. So you recall last year that I had two jobs? Yeah. Yeah. Yeah. So the second job offered me a permanent role and more money. Mhmm. So I've now resigned from Northern Territory government, and Yep. I start my new job on Monday with the second job as a permanent position. Yep. So, yeah, so I'm running down to one income now, but it's not it's not a lot of money more than NTG. Yeah. But, yeah, I've given up the second job as well because I just it's tiring up. So I'm just gonna focus on this one job now. Yep. No. Perfect. So with the new role, who is that working for? What who's the new employer? Still with Dentia? Yep. Yep.","start_word":190,"end_word":441,"sentiment":"neutral","sentiment_score":0.041599392255265565},{"text":"And so Perfect.","start_word":442,"end_word":444,"sentiment":"positive","sentiment_score":0.3676266670227051},{"text":"I've got some Australian Super and Hub twenty four as my three super funds. I need to sort them out as well this year. Yeah. That's the one thing I didn't wanna look at. I can see here you've got the three super funds open that is obviously costing you more in the way of fees. So part of today, I did wanna talk about what, you know, what your goals are, what you wanna do, and maybe update the advice to reflect for you. Absolutely.","start_word":445,"end_word":530,"sentiment":"neutral","sentiment_score":0.04592413827776909},{"text":"So you still with Venty, which is fantastic.","start_word":531,"end_word":538,"sentiment":"positive","sentiment_score":0.4090161919593811},{"text":"Is your role staying roughly the same? Are you gonna be doing the same sort of work? Or No. Different work. no? So Yeah. it's kind of similar to it's got a retention leader for First Nations people. Yep. It keeps them in employment. So it's different from what I was doing, but it's kinda like in the supporting role that I was doing with NTG as well. Yeah.","start_word":539,"end_word":607,"sentiment":"neutral","sentiment_score":0.04929016903042793},{"text":"Perfect. So keeping them in work. That's fantastic. Excellent.","start_word":608,"end_word":616,"sentiment":"positive","sentiment_score":0.5015609264373779},{"text":"And income wise, what are you sort of expecting to earn with this new role? You mentioned it was a bit more money. Yeah. 110,000. So with the NTG, I Perfect. was earning 92,000 per annum. Yep. But with this new route, it's 110 to add to and then I was thinking, what's the what was it? 97, I think. You know, when super and all that stuff is taken out. So I'm not Yep. Yep. So that that's including the super? Yeah. I'll just get it up for you. I'm just having a look at Yeah. the contract now. That's okay. Yeah. So a lot's been done because I have to transfer everything over that I had there before. Like, everything was all set to government. So it's been a long couple of weeks of transferring stuff over, hand over, all of that good stuff that you Yeah. do in your phone job.","start_word":617,"end_word":770,"sentiment":"neutral","sentiment_score":0.08212888529887061},{"text":"Absolutely.","start_word":771,"end_word":771,"sentiment":"positive","sentiment_score":0.4021733403205872},{"text":"So cash salary, 90 Yep. $8,214.29 per annum. Yep. Superannuation, $11,785.71 per annum, Yep. Yep. 1212% of ordinary time earning, and the total fixed renew renumeration is a 110,000 per annum. Okay.","start_word":772,"end_word":803,"sentiment":"neutral","sentiment_score":0.10846032947301865},{"text":"Perfect.","start_word":804,"end_word":804,"sentiment":"positive","sentiment_score":0.4919852614402771},{"text":"So the 110 is including your superannuation there.","start_word":805,"end_word":812,"sentiment":"neutral","sentiment_score":0.30011415481567383},{"text":"Perfect.","start_word":813,"end_word":813,"sentiment":"positive","sentiment_score":0.41951850056648254},{"text":"Yeah. And have you asked your new employer to continue salary Yeah. sacrificing at all, or is it something you've stopped for the time being? Yeah. I have I've just I've got my car through the salary sacrifice. So I have to I'm transferring that over now to the new employer. Yep. And just, yeah, just checking to make sure today that start that process because I've been told to take work off the payroll the other day, and I'm just waiting for SG Fleet to see if they've approved it all to see if they can transfer it over. Otherwise, I've already insured the car and everything can Yep. deductions Yep. for myself to pay it manually. Okay. Perfect. Perfect. And are you gonna be asking them to contribute anything additional to super over and above, like salary sacrifice into super at all, or you're not wanting to do that at the moment? Because I know you were doing that into one of your other super funds, your last job. Yeah. Yeah. I was doing it. I think it was Australian Super. I was just putting the extra $50 in there, but I'll now that's now that's gonna be canceled. So I think once because I'm I won't be getting I'll be getting paid monthly Yeah. with the new employer. Right. So once I once I get my head around that Yep. what I was just gonna do, I was just gonna leave all my money in my account, like, you know, my normally fortnightly bills, but make Yep. it as a monthly thing. And Yep. I'll just leave it like that and then take whatever's available, I suppose. But, yeah, the bills are the same, I suppose. Bills Yep. are the Yep. same. Yep. No. That's okay.","start_word":814,"end_word":1112,"sentiment":"neutral","sentiment_score":-0.03993098081453987},{"text":"All good.","start_word":1113,"end_word":1114,"sentiment":"positive","sentiment_score":0.4367324113845825},{"text":"So paid monthly, that'll be a little bit harder. Having a secondary account could also work as well for you where you work out, divide your pay by, you know, four weeks for the month or however many weeks in the month. Sometimes there's a few extra days there. And then just maybe transfer over what you need that week and keep the rest out of your main account, which can also give you a bit of assistance there. But it also comes down to whatever works for you.","start_word":1115,"end_word":1203,"sentiment":"neutral","sentiment_score":0.18750378489494324},{"text":"So if having all the money there is easier, that's absolutely fine. But that's just something that can work for for other people I know as well where they transfer majority of things out. They just have their weekly amount in there, and then they can you know, it helps them to out of sight, out of mind for a short period as well.","start_word":1204,"end_word":1267,"sentiment":"positive","sentiment_score":0.41325369477272034},{"text":"Yeah. And that's, you know, that's a lot of the issue that I had last year. You know, like, I if I see the money in there, you know, when I was trying to make that savings account and everything, Yeah. I would, you know, I would spend it, but that's that's the whole reason I've got a GoldSaver, my Yeah. I think it was my direct debit, and I've got another one just Yep. so I transferred money to between accounts. But, yeah, if I didn't see it, it's even better, like, you know, the disabled account. So this is what when all this starts rolling out with this new Yep. job and the new pay, I Yep. wanna sort all that because it's to have that savings account that I don't can't touch. Do a gold saver, like, a thousand dollars to start off with or Yep. what else? Because I get my payout. I'm not sure when I get my payout from my resignation. That's another two weeks, they said, Yeah. Yep. you know, Perfect. once that happens. So then at the moment, I'm just living day to day, really, but I wanna I don't wanna be like this anymore.","start_word":1268,"end_word":1470,"sentiment":"neutral","sentiment_score":-0.03958443605474064},{"text":"No. Absolutely not.","start_word":1471,"end_word":1473,"sentiment":"negative","sentiment_score":-0.3938530087471008},{"text":"Completely understand. Well, when you get the payout, you know, definitely put that away somewhere. When it comes down to savings, sometimes starting smaller is not a bad thing as well. So just finding, you know, 20 or 30 or $50 on a weekly basis and moving that into your goal saver.","start_word":1474,"end_word":1525,"sentiment":"neutral","sentiment_score":0.1476864218711853},{"text":"So you build that habit slowly and gradually. And then as you get comfortable with the amount of money you're putting away and you get, you know, more comfortable with seeing it there and not transferring it back, then you can kinda build that up.","start_word":1526,"end_word":1570,"sentiment":"positive","sentiment_score":0.3595694899559021},{"text":"Sometimes when we start with a larger figure, we put too much in our savings, and then we find we have bigger bills or something happens, and we need that money back. So we make a habit of bringing it back.","start_word":1571,"end_word":1611,"sentiment":"neutral","sentiment_score":0.13793501257896423},{"text":"So starting off smaller is absolutely a good habit to start with as well, so you could always try that to see how you go.","start_word":1612,"end_word":1636,"sentiment":"positive","sentiment_score":0.4202897250652313},{"text":"Okay? Yeah. No.","start_word":1637,"end_word":1639,"sentiment":"neutral","sentiment_score":0.12799394130706787},{"text":"That sounds perfect.","start_word":1640,"end_word":1642,"sentiment":"positive","sentiment_score":0.3733363151550293},{"text":"That's just Yeah. yeah. But right now, because after Christmas, everything's just on did you want me to sign up on this this form here? Did you? Did you want me to sign Yeah. up? At the end of it, yeah. So that's your ongoing service agreement and all the bits and pieces. I'm gonna go through a lot of those documents and give you an update of of what's happening with your super and talk a bit more about your goals there. But at the end of it, I'll get you to sign. I don't want you to sign anything you haven't read, but we'll go through that in ongoing sales agreement shortly with you. Okay? Yep. Yep. I'm just having a look at it. That's Yep. okay. All good. While you are looking at it, let's touch on that now.","start_word":1643,"end_word":1784,"sentiment":"neutral","sentiment_score":0.07684911042451859},{"text":"It's a really good thing to sort of go through.","start_word":1785,"end_word":1794,"sentiment":"positive","sentiment_score":0.40031346678733826},{"text":"The first document you'll see in this sorry. Mine I sent the documents to you, but mine's a little bit slow to kinda bring them back up. But, essentially, it is showing you the ongoing service agreement that has been sent there. Essentially, you do as an ongoing service client, you do pay us an ongoing service fee of 1.65% per annum. That is deducted in smaller monthly increments out of your super account. And, essentially, the idea of a percentage based fee is that it fluctuates with the market. When the market is doing much better, it means that our fee is gonna be slightly higher, but you're benefiting from the greater returns. However, when the market takes a bit of a dip due to external market factors, the fee you pay us will also take a dip and be lower. Okay? Yep. Essentially, to be because having a look at your super account, we with Christmas, everyone was a bit crazy. You're obviously in a bit of a transition there as well. So your ongoing service fee did actually switch off on your super account as of December. So this is the switching it all back on again so we can keep providing advice and keep servicing you as a client and keep looking Yep. after you. Okay?","start_word":1795,"end_word":2014,"sentiment":"neutral","sentiment_score":0.04862902641973712},{"text":"Perfect.","start_word":2015,"end_word":2015,"sentiment":"positive","sentiment_score":0.36171936988830566},{"text":"So we do need that one to be signed and sent back. The underneath that, you've got your tax file opt in form. That is just letting you know that we do hold your tax file number on file. We do have to because we help set up your super account and look after insurances and things like that for you. We just have to make sure you're aware of the information. We do hold on you. It is sensitive information, and we wanted to make sure we update our records so you're aware of that. Okay? Yep. Perfect. Those are the only two documents to sign. Jacob also organized for the external third party authority to be signed for your plum super, so we have got the information on that for you. But attached to that DocuSign, we do also have some other documents there. I'm not sure if you can see the attachments. Can you see where the attachments are at all? No. Is that is that from Jacob? No. It should be attached to this docu this document, the Odoo sign here. No. I don't see anything No. there. That's okay. It might be so when you go out of the email then go back in, there should be some attachments there as well, but we have attached the financial services guide there for you. And that essentially outlines all of our services.","start_word":2016,"end_word":2251,"sentiment":"neutral","sentiment_score":0.0558437035434832},{"text":"It has a lovely photo of me in there for you, Brenda, so you can have a look at what I look like as well.","start_word":2252,"end_word":2276,"sentiment":"positive","sentiment_score":0.523908793926239},{"text":"It's got my registration information as I'm a registered adviser. I'm registered through ASIC and under OQ Financial Australian Financial Services license. We've also got on there your summary.","start_word":2277,"end_word":2305,"sentiment":"neutral","sentiment_score":0.1650836318731308},{"text":"Now this is a really good thing to kinda go through.","start_word":2306,"end_word":2316,"sentiment":"positive","sentiment_score":0.7228162288665771},{"text":"So I can also email this to you separately after the course you'd like, but the summary sort of shows you your current balances within all the super funds and the insurances that you hold at the moment. So in Hub twenty four, your super balance is up to 94,000 set $94,013.66. In Australian super, you've currently got a a balance of 22,069 and 54<unk>. And in Plum Super, a balance of $6,622.68. So we do wanna maybe look at trying to consolidate some of those things. Having three super funds open does mean you are paying more in overall fees, and it can affect your retirement moving forward as well. Does your employer your new employer with Ventia, have they they haven't stipulated that they have to transfer contributions anywhere? You're fine having those in hub twenty four as you have always? Well, I've only just put well, at the moment, it's just it's just a plan at the moment, so I've gotta sort Okay. that out as well. Yep. So I haven't I transferred, like, you know, delegate allocated that yep. to Hub twenty four years. So that's another little thing I've gotta do, actually.","start_word":2317,"end_word":2515,"sentiment":"neutral","sentiment_score":0.015596788376569748},{"text":"Perfect. That's okay.","start_word":2515,"end_word":2518,"sentiment":"positive","sentiment_score":0.4129239320755005},{"text":"We can get the contributions form sent to you with the Plum Super. So I'm just having a look at the statements here as well because I know you do have your insurance line, life insurance, and the funeral cover there, which is really important for you to keep. At the moment, the life insurance and the funeral cover is showing us a total sum insured of 200,512, and I know the funeral cover is also really important because you're covering your kids as well. Are you still comfortable paying for that level of cover out of your back pocket?","start_word":2518,"end_word":2616,"sentiment":"neutral","sentiment_score":0.13995935809281138},{"text":"You're happy with how that's Yeah.","start_word":2617,"end_word":2622,"sentiment":"positive","sentiment_score":0.4172303080558777},{"text":"Well, I've been there for a long time with these mob now, so I don't know. Like, I've just been paying it because I don't trust that my kids would have their own plans, which they probably wouldn't, structured? but I don't Yeah. wanna attempt anything really. No. That's okay. And, look, you can keep the insurance line policy if you're comfortable with doing that. There's nothing wrong with that whatsoever. It's more just you are paying for that out of pocket. And, I mean, from what I can see here, you're paying about $29.61 per month. Is that sort of how much you're paying for that one at the moment? Has that altered since we last got the research? Yep. $29.61, and the other one is $47.14. 4714. Yeah. So one's funeral, one's wife. Yep. So that would be the life, and that will be the funeral. And because the funeral policies how much have you covered yourself and the kids for with the funeral policies recently? We're just waiting on the rundown from insurance line. So sorry. I think we were 15,000. I'm not sure. Yep. Each That's okay. H. I'm just gonna go through back I just saved another day because when I had to go and renew, but I have to probably increase it all for all of us again because I just attended a funeral, and they they they're paying 20,000 for the funeral and the slot and everything. So I was like, well, I probably need to increase my plan. Well, those funeral policies, do they increase along with CPI? Do they increase every year as it goes through renewal? I'm not sure. I'm honestly not sure what happens That's there. okay. I can go and have a look at that for you. I'll tell you what. I'll do a bit of research on those policies because I haven't done a lot of research on those policies recently for you. So I'll go back and have a bit more of a dig around the policies, what they offer, what happens with them, how they increase.","start_word":2623,"end_word":2973,"sentiment":"neutral","sentiment_score":-0.03476984085690262},{"text":"That way we can kind of look at that for you. Happy to have you continue to pay for them. It's not a problem at all. I just wanna make sure I understand the policies in detail to kinda give you that information so you understand what it is that you've got.","start_word":2974,"end_word":3025,"sentiment":"positive","sentiment_score":0.47431716322898865},{"text":"Okay? Yeah. Because I've got what the Mhmm. hell is that? Yeah. This one here. I've just yeah. Because I downloaded them all the other day. I'm just Mhmm. looking at one. I think it's the life cover. What's that mean? Benefit, 167,000. I don't get it. That's the $29.61 per fortnight. That's the life cover. Mhmm. And then you got the funeral. That funeral that life on the house. Okay. Ironically, you guys have just got the rundown emailed through, so I'm just pulling it up now to give you a hand with it.","start_word":3026,"end_word":3120,"sentiment":"neutral","sentiment_score":0.0241934172809124},{"text":"It's worked out really well, actually.","start_word":3121,"end_word":3126,"sentiment":"positive","sentiment_score":0.6062003970146179},{"text":"So fortnightly. 41 Okay. 70 47404714, and all my kids are insured for $11,222. That's kind of crap, but yeah. Yep. So your life cover, there is 200,512 of life in the event that you pass away. And then I what have we got? What's the increase? The total insurance line haven't give us anything on this funeral cover. They've only given us a life cover policy, but that's okay. I'll go back and find out more about that. But I'm just having a look at the standard cost of funerals because it is different depending on the kind of funeral that you do want or what they want to happen. Essentially, in Australia, the average funeral cost can range between 4,000 to about 15,000. It can be more if you have more elaborate sort of burials and things like that. But it really just depends upon what you do as well, whether you have to invite lots of people, whether you have lots of flowers, whether you have a really elaborate coffin, or whether you just kind of go through the cremation process, in which case it kinda can be a little bit cheaper as well. But estimated average cost of, say, cremation with no service, no attendance is about 2 to 4,000. With service, it's about 4 to 6,000. Burials are the ones that cost a bit more because you have to buy the plot and hold that for longer. So, realistically, the amount you have for them could be fairly sufficient. And if insurance line do increase the policy along with time, then you may be able to it may just automatically increase, which might help you along as well. Does that make sense? Yep. Well, I've got the two documents here, the two statements that the policy schedules. I don't know. But because I have I've got them saved on my computer over here, but you've Yeah. got access Yep. to them as well? Or Yeah. We have we have authorities on there. So I'll get the team to go back to insurance line and get through the schedules for the in for the funeral policies as well. We'll get that information updated. If they need a new authority or anything assigned, I'll get them to come back. I know they got you to sign one the other week for the plum sleeper. So if there's anything we'll need, I'll get them to come back. But I'll go back and do a bit of research and have a really good look at everything for you. Okay? Yeah. Because it's just you know, like, I've got I've been with insurance line watch it since 2011. Yeah. Yep. I've had this in cover, you know. And I've been just paying it, you know, like, normal and it's about $70 a fortnight. So I'm just I don't know if I should revisit it visit it and increase it to 15,000 for the funeral plan and I don't know. But it's just gonna work out within my budget as well now. So because I'm not working two jobs. I'm back to one job. I've insured my car. I've got Yep. health insurance too now. So just Yep. a lot of stuff that I don't need enough. I should get health insurance, but because of the dental work that I just recently had. Yes. A lot of stuff is I want to actually knock down right this year, Yes. like, Yes. starting right now and and, you know, set up these savings accounts and be financially stable. Yep. Yep.","start_word":3127,"end_word":3724,"sentiment":"neutral","sentiment_score":0.03570010560100593},{"text":"That's okay. Well, we can certainly help guide you along the way.","start_word":3725,"end_word":3736,"sentiment":"positive","sentiment_score":0.5924058556556702},{"text":"With the the insurances, did you want us to maybe obtain a quote from insurance line for you to see what it would cost if you did increase that just so you can see the difference? Yes, please. Yep. How much did you think you wanted to increase the funeral policies to? Yeah. Well, like I said, I went to that funeral just no longer, and that was 20,000. And that was just a little service at the at the the funeral place, and then they went to the they went to the ground, you know, and then they had the wake and, you know, like, all this they reckon it cost about $20, and I'm like, what? That's all. Yeah. Right. And it's just, you know, like, it was all over and done with within a freaking couple of hours, but I don't know. Yeah. I don't No. know That's what okay. because I know, like, my kids will probably all they will work, and they had to have cover with their their, you know, their superannuation. Mhmm. I don't know. I just don't know. That's okay. Well, I can have a look I can have a look and send you through a copy of the quote to show you what the difference is, and you can let me know what you wanna do with that.","start_word":3737,"end_word":3963,"sentiment":"neutral","sentiment_score":0.001012382679618895},{"text":"It's not a problem at all.","start_word":3964,"end_word":3969,"sentiment":"positive","sentiment_score":0.4507680833339691},{"text":"Okay? Yes, please.","start_word":3970,"end_word":3972,"sentiment":"neutral","sentiment_score":0.2819991111755371},{"text":"Oh, good.","start_word":3973,"end_word":3974,"sentiment":"positive","sentiment_score":0.4586306512355805},{"text":"Now with the plum Super, I'm just having a quick look at the insurance side of things with the super because with the Australian Super and the Plum Super, you've had the Australian Super for a while now, and it looks like you do have some insurances in both those super funds as well. So we just wanna sort of wanna work out what insurance wise is important because you do have that cover with your life cover with insurance line that you're paying out of pocket, and that covers you for 200,000 sorry. Let me go back there. 200,512. If you were to having a look at your circumstances now, if you were to pass away, what did you want your funeral like, what did you want your life cover to pay off? Would it be all your debts, or what did you want your life cover to to actually cover? Funeral, step, and then the rest of my kids. Yep.","start_word":3975,"end_word":4136,"sentiment":"neutral","sentiment_score":0.026338692754507065},{"text":"Beautiful.","start_word":4137,"end_word":4137,"sentiment":"positive","sentiment_score":0.5989991426467896},{"text":"You had a few buy now, pay laters and things like that. Do you you still have all of those? Yeah. Yeah.","start_word":4138,"end_word":4159,"sentiment":"neutral","sentiment_score":0.20420442521572113},{"text":"Perfect.","start_word":4160,"end_word":4160,"sentiment":"positive","sentiment_score":0.3990027904510498},{"text":"Have the debts decreased a little bit since since we last caught up, or are they still roughly the same? They're roughly the same because I just had my tooth out, and I put that on Afterpay, and that cost a thousand bucks.","start_word":4161,"end_word":4203,"sentiment":"neutral","sentiment_score":-0.0729665458202362},{"text":"It's like, oh my god. Stupid Yeah.","start_word":4204,"end_word":4210,"sentiment":"negative","sentiment_score":-0.4621869921684265},{"text":"tooth. Yeah. And, you know, because I don't yeah. Because I didn't have I don't have health insurance either. So a lot of stuff, kind of like my last Afterpay will be finished on the March 13. Yep. Okay.","start_word":4211,"end_word":4249,"sentiment":"neutral","sentiment_score":-0.13374702632427216},{"text":"That ain't that much.","start_word":4250,"end_word":4253,"sentiment":"negative","sentiment_score":-0.5408347845077515},{"text":"And are you planning to keep it open? Are you gonna cancel it and sort of put the money onto the next step and try to reduce the amount of buy now, Yeah. pay ladders you have? Yeah. Because remember you sent me that budget through? Yep. I Yep. tried to have a look at it all, but I just didn't understand what it meant. So because I've still Yeah. got It's it here. okay. Yeah. Yes. So the idea of the the budgets is you're starting off by paying one thing at a time. So using your free cash flow that you have, paying down the smallest debt first, and then closing it off.","start_word":4254,"end_word":4368,"sentiment":"neutral","sentiment_score":-0.02255120257968488},{"text":"Closing it off is going to be the biggest benefit because if you have it open, you're more likely to still use it.","start_word":4369,"end_word":4391,"sentiment":"positive","sentiment_score":0.5674431324005127},{"text":"So Afterpay was the shortest debt. It was the one that we were closer to paying off. And, again, it looks like it it might be the smallest debt. So using whatever free cash flow, you have to pay that down as fast as possible. Once it gets to zero, you close it off and you remove it. Then the money you were putting on that after pay, you put on to the next final pay later.","start_word":4392,"end_word":4468,"sentiment":"neutral","sentiment_score":0.17566627264022827},{"text":"You pay that down on a regular interval with the same amount, and you'll end up paying it off a lot faster.","start_word":4469,"end_word":4490,"sentiment":"positive","sentiment_score":0.409799188375473},{"text":"Once it gets to zero, you close it, and then you it's just like a trickle effect. You focus on one debt. You're still paying off all the others at the same rate.","start_word":4491,"end_word":4523,"sentiment":"neutral","sentiment_score":0.18782638013362885},{"text":"This is you're focusing your free cash flow on one particular debt. That way, you're knocking it out quickly, and focusing on one And focusing on one debt at a time and doing it this way gives you little wins.","start_word":4524,"end_word":4563,"sentiment":"positive","sentiment_score":0.4057182371616363},{"text":"It's a Yep. it's Yep.","start_word":4564,"end_word":4568,"sentiment":"neutral","sentiment_score":0.27854788303375244},{"text":"a and finding the smallest one helps you because as human beings, our psyche wants us to see progress. We get excited when things are working in our favor, things that make us happy. So if we focus on the smallest debt first, you pay that out, you feel better, you know you've achieved something, and then you close it off and you work on the next one. And you start to feel better, and you're building habits by doing that as well. So that's essentially what that advice document was. It was just showing you where you could save some money to increase free cash flow, how you could utilize your savings to use to buy the chemist warehouse products because you were basically being able to free up money to do that.","start_word":4569,"end_word":4702,"sentiment":"positive","sentiment_score":0.5831175446510315},{"text":"So then you could pay off your Afterpay, close it, and then use the money to the next step, then the next step. And the last one was that really big debt that you had everything consolidated to.","start_word":4703,"end_word":4740,"sentiment":"neutral","sentiment_score":0.09991709887981416},{"text":"Once you've closed off everything else, they will let you pay it off faster.","start_word":4741,"end_word":4754,"sentiment":"positive","sentiment_score":0.45558881759643555},{"text":"They just wanna know where the money's coming from.","start_word":4755,"end_word":4763,"sentiment":"neutral","sentiment_score":0.3201066553592682},{"text":"So you just let them know that, essentially, you've you've freed got some free cash flow. You've, you know, freed up some money. You wanna pay it down, and that'll allow you to do that. And that's how you sort of get all of those debts paid down faster in, you know, an easier way, but it helps to make you feel better as well because you feel like you're achieving something as you close one off.","start_word":4764,"end_word":4840,"sentiment":"positive","sentiment_score":0.6806632280349731},{"text":"Does that make sense? Yep. Exactly. I just Yep. wanted to put I just wanna put in a, like, practice all. Because it's just like after, you know, Christmas time, just Yeah. took everything. And I'm and Absolutely. I just started paying all that Christmas stuff off now, and Mhmm. then come around the corner for this other stuff from the Yep. dentist and just my chemist warehouse stuff that I always go and get, but just all these other little bitsy bitsy things. I just got got a bit carried away, and now I'm paying for it. Yep. That's okay. No issues at all. So with with the debts that you do have at the moment, do you know the total of all those of all the afterpays, the consolidated debts, the credit cards? Do you know what the total is owing on all of those at the moment? Credit cards. What credit card? I've got Afterpay, Yep. Nimble, Yep. MyWayForward, Yep. Push, Yep. my tax debt that I pay as well every fortnight, that's 3 Yep. 3,000 something. And now that I've just got the health insurance and Budget Direct as well, so when I looked at my bills for this fortnight, $3,645 it came to you, and I don't even know where I'm gonna get that from right now because it's like, I know I can pay the other bills.","start_word":4841,"end_word":5073,"sentiment":"neutral","sentiment_score":-0.04925017058849335},{"text":"I just can't pay that bill.","start_word":5074,"end_word":5079,"sentiment":"negative","sentiment_score":-0.3906858265399933},{"text":"So Yeah. I'm done. Drop Peter to No. Understandable. pay So Paul it's about 3,000 and again. 45 on a monthly basis for everything. Just this yeah. You might as well say 3,645. Mhmm. Yep. So that's a fortnightly thing. Mhmm. Let me just have a look at this here. I can 3. Yeah. It would be roughly about $3.","start_word":5080,"end_word":5139,"sentiment":"neutral","sentiment_score":0.009495719987899064},{"text":"Okay. Perfect.","start_word":5140,"end_word":5141,"sentiment":"positive","sentiment_score":0.46115005016326904},{"text":"So if you were to sorry. Go back into the solar life insurance sort of things. But if you were to pass away, that 200,000 because you don't own your own home at the moment, you don't have any mortgage to cover. Do you feel like that would be sufficient to cover all of your debts and then cover and you've got your funeral cover there as well? And then also provide a little bit to your kids knowing your super benefit is also paid out, so that's also part of it. Yeah. I bet my when I looked at my overall debt, I think it's about 20 30 twenty twenty five, 30 grams. Okay. Yeah.","start_word":5142,"end_word":5257,"sentiment":"neutral","sentiment_score":0.06194349005818367},{"text":"That's Perfect. it.","start_word":5258,"end_word":5260,"sentiment":"positive","sentiment_score":0.5087854266166687},{"text":"So Maybe so if we 10. add it all together because your balance between all three funds is around about a 122,705 and 88<unk>. And then, obviously, your life insurance with insurance line there, 200512. So it does provide a total benefit based on the current scenario of 323,217 Mhmm. and 88<unk>. So then if you've got, say, $30,000 in debt as an example, that could pay all of those out. Sorry. My computer just Yeah.","start_word":5261,"end_word":5339,"sentiment":"neutral","sentiment_score":0.10345885157585144},{"text":"froze.","start_word":5340,"end_word":5341,"sentiment":"negative","sentiment_score":-0.4713610708713531},{"text":"Because I think I've got yeah. Because, you know, even if I bought my car, Mhmm. because that's on the salary sacrifice, I've only got two more years to go on that. The residual is about 15,000 to pay out Okay. as well. So Yep. I've only got two more years on that lease. Okay. So let's say so twenty, thirty. So let's just say it was about 50,000 all up as an example. You know, the benefit paid out minus, say, $50,000 in debt coverage leaves about $273,217. 88, which can you know, if as per your instructions, you've mentioned you wanna have that then divided amongst your killed your kids in a certain way. Does that sound like Yep. enough to provide? Yeah. They're they're all working, but, you know, like, this extra money, I don't know, it helps Yeah. them out. Yep. Because you've got four kids, don't you? Yeah. Perfect. So divide that by four. It's about 68,000 each. You know what I mean? We're not all working just to make sure that, you know, they get a huge benefit once we all pass away. The idea of having life cover is a benefit to pay if something was to happen, basically, for covering debts and living expenses and things for your family. But having it just to give your kids a benefit is not always the best thing because we often don't claim on it. We often end up getting to $60.65 and deciding we don't need it anymore and canceling it. So that would essentially, based on the current scenario, could provide about 68,000 to each of your kids, which do you feel like that would be comfortable? Yeah. That's enough for them. Yeah.","start_word":5341,"end_word":5626,"sentiment":"neutral","sentiment_score":-0.045982562266029675},{"text":"Nice.","start_word":5627,"end_word":5627,"sentiment":"positive","sentiment_score":0.35463613271713257},{"text":"That's enough. Like, you know, that's just mama's mom's little thing that I can do for them, but that's Yeah. all that that's all I can give them, really. Yeah. No. That's okay. That's absolutely fine. So with the Australian Super and the Plum Super, I'm having a look here. You do have a bit of cover. So when you opened up these funds, you must have picked yes to apply for a basic level of cover. They have got insurances in here, so I do have to talk to you about what you wanna do with those because I don't we don't wanna cancel them if you felt like you do need them, but at the same time, having three super funds open isn't generally preferable. Especially if you're not contributing to those funds. Those insurances do cancel eventually. So with the Plum Super, the amount of cover because your employer contributions are still going to there at the moment. Plumb sorry. I'm just going down on the document. That's alright. I'm just trying to write this email to my bank here because they're taking because you remember how I was well, I was working two jobs while I was asking Yes. them because last financial year, I end up getting a tax bill for 3,000 because I wasn't paying the extra Yeah. money on top of my super to cover it, you know, when they do that kind of stuff. So that was yeah.","start_word":5628,"end_word":5873,"sentiment":"neutral","sentiment_score":-0.04644325763229432},{"text":"That's been taken, like, nearly 600 out for my tax tax as well just so I don't get billed Wow.","start_word":5874,"end_word":5893,"sentiment":"negative","sentiment_score":-0.3752301335334778},{"text":"A tax this one though? or two Yeah. here. Yeah. Yeah. So I've been paying more than I should be. Yeah. So I was just doing an email from my payroll to stop it. Stop the contributions of extra funds now that I've only got one Yep. job. Yep. Yeah. Makes sense. Yeah. Yes. Definitely. So That's I'll just okay. yeah. Because it I'm just writing how to write it, though. That's that's the only thing. Can you please adjust this to the correct monthly? I don't know what to say. Tax deductions. Is it tax deductions? Yeah. Tax rate Tax correct tax rate. due to change in circumstances. Yeah. Tax rate. I just let you know you only have one job now. Yes. Yeah. Because I only have one job. I'm You're right. With Brenda, with the Plumb Sleeper, it looks like there's no insurances here, which is a benefit to Plumb, so we can definitely look to consolidate that. There's no cover in this one. It would be due to the balance being lower. It's only 6,622. But Yeah. in the Australian Super, you do have a 150,000 of life and total permanent disability cover. Would you feel like that is something you wanted to keep on top of your current insurances and the benefit we've just discussed, or is it something that's not important to you? How do you feel about the insurances in AustralianSuper and the level of cover? Yeah. But I I might pay because I've got three well, I've got those two. You know, I've got Hub and I've got Australian Super. Would it be beneficial to have both of them? Like or is it just I don't know. I don't know because I'm paying Yep. fees. Yeah. And I Correct. Correct. I didn't know I was keeping keeping Australian Superforce stating it just in case anything goes wrong with my hub 20 Yeah. four. So, you know, like Understandable. I don't There know. may be that's okay. There may be some ways where we might be able to look at trying to keep the cover but still being able to consolidate you. So I will look at all the different options to see what we can do. I just am trying to pull up your previous pre assessment you completed to see when that was. I'm not sure when that was. I might is it okay if I get the team to oh, actually, the last one here was in 2024 because just to see how what other options we might have for being able to help consolidate but retain the cover amounts you want. It doesn't look like we have a pre assessment we did back in 2024. Back then, you were didn't really have anything disclosed here. If I was to book in, maybe a call with one of my lovely admin team one day, maybe next week to go through a new pre assessment just so I can have a look at what we can do with the insurance and where we might be able to go advice wise to help consolidate and not have so many super funds. Would that be okay? Yes, please. Yep.","start_word":5894,"end_word":6429,"sentiment":"neutral","sentiment_score":-0.015070024227945884},{"text":"Because Beautiful.","start_word":6430,"end_word":6431,"sentiment":"positive","sentiment_score":0.37648844718933105},{"text":"I know that a while back, you were looking at another insurance company for Yep. me that would Yep. be cheaper that would be cheaper as well. But, you know, Yep. like, what does it mean for the one that I've already had? You know, like, I've been with insurance line since 2011. Yep. What Well, does it doesn't that mean? matter what we you can still keep that. You can absolutely keep that. So what I'll look at doing what I'm looking at trying to do is to see whether I can maybe keep the Australian superinsurances and just transfer them to Hub twenty four. But I just need to do check your health and check your pre assessment to see if there's been any changes since we last did one and to see what options we have for doing that and what the costs are. So I'll book in a time for my team to do a bit of a pre assessment with you there, and then we can go forward and have a bit of a look at whether transferring is an option. That way, you can keep that extra level of cover. Either way, you can keep the Australian line sorry. Insurance line cover open.","start_word":6432,"end_word":6640,"sentiment":"neutral","sentiment_score":0.07158390361298785},{"text":"That's not a problem at all.","start_word":6641,"end_word":6646,"sentiment":"positive","sentiment_score":0.536520779132843},{"text":"It does not in any way, shape, or form affect the advice, and you're paying for out of pocket. So it doesn't affect your super funds either. Okay? Okay. Yeah. Yeah. Because What we have what we have '24. What's the insurance yes. like there? With Like, is HUB24 my balance yeah. it it honestly depends upon what we do. I've gotta do a bit of research around Hub twenty four, what the insurance options are. I need to do the pre assessment to assess, you know, what we can do and what we're able to do. So I'll do the research on that for you. If you like, I can do that research. I'll get you booked in to do a pre assessment. I'll do the research for you on the options, and then we can come back and talk about it. Does that sound okay? Yeah. Yeah.","start_word":6647,"end_word":6795,"sentiment":"neutral","sentiment_score":0.1051064059138298},{"text":"That sounds great.","start_word":6796,"end_word":6798,"sentiment":"positive","sentiment_score":0.3946887254714966},{"text":"And because I was Yeah? thinking oh, what was that? I just had a brain, but I thought what was it in my insurance line. Because you know how well, well, I went on to compare the market and compare Yes. so I compare health, compare but, you know, my car insurance, all that. Is there Yes. something like that you can do where you compare life insurance, funeral insurance, and what will be more suitable to my, you know, to my fortnightly wage or monthly wage that I can afford. You know, like, I don't know. I've got all these funds that I'm paying money here and there. Which one? What do I do? What do Yep. I do? Because I've got, Yep. you know, Australian Super. I've got that 160,000 life insurance there, and I've got I don't know what I've got with HUB24, and then I've got this other insurance with insurance line as well. Yeah. So There's I've got no insurances in Hub twenty four at the moment at all. There's nothing being paid out of Hub at the moment insurance wise. Yep. okay. But I'll look at what I can do. What day next week suits you best to maybe go to a quick pre assessment with one of my beautiful admin team? Well, I start my new job as Monday, so probably busy Mhmm. at the beginning of the week. So let's probably make it Friday at the end of the week, I reckon. Yeah. That's okay. We're open till about 02:30. Our last call is normally run at 01:00 on a Friday. Would that suit you at all, or did you want kind of the morning? No. Good afternoon will be fine. Yeah. Perfect. So that'll be about 1PM on Friday next week, which is the March 6. Is that okay? Yep.","start_word":6799,"end_word":7107,"sentiment":"neutral","sentiment_score":0.002002678246427219},{"text":"That's perfect. Beautiful. It won't take long.","start_word":7108,"end_word":7114,"sentiment":"positive","sentiment_score":0.4615812599658966},{"text":"I'll just run through a bit of a pre assessment questionnaire. We just update what we already have on file, and then I can go and do a little bit of research to see what options we have. And then I can come back and talk to you about it before we go to advise if you like. That way, you get a feel for what we're looking at, what we're trying to do, and it helps you to maybe think in the meantime what it is that you're after when we're looking at insurances, what you want to happen, that sort of thing. Does that sound okay? Yep.","start_word":7115,"end_word":7223,"sentiment":"neutral","sentiment_score":0.18788206577301023},{"text":"Sounds perfect. Perfect. Excellent.","start_word":7224,"end_word":7227,"sentiment":"positive","sentiment_score":0.5262085795402527},{"text":"Now the other thing to sort of have a look at, look, your Superfund within Hub twenty four has done really well over the last twelve months. As I sort of mentioned that you have got about 94,000 in there. We have seen a little bit of a dip with one of the funds. So in your super fund, you've got a diversified portfolio. We have Australian equities. We've got US investments. We've got global health care, Asian investments, and we've got some cybersecurity to agriculture and battery and lithium tax. Within your portfolio over the last twelve months, your Australian the Benelon Australian Equities Partners has invested into Australian companies. That is down a little bit. They've had a bit of an issue underlying. I would like to maybe swap that out as part of the advice update, but we'll do all this at once so you can see everything. But, realistically, your portfolio was slightly down because of that investment. Overall, it's about 1% down, but you've still made a lot of money over the time. And when we look at how your portfolio has been growing over the last couple of years, you're still up overall. So just a small sort of pullback in that one investment, I wanna take it out and put something else in its place that's been working better and is gonna provide benefit. You comfortable with that? Yep. Yep.","start_word":7228,"end_word":7464,"sentiment":"neutral","sentiment_score":0.07666991819246409},{"text":"Beautiful.","start_word":7465,"end_word":7465,"sentiment":"positive","sentiment_score":0.3982568681240082},{"text":"Do you know what age you'd like to be able to maybe stop working and retire? Are you working on 60 still, or do you think you'd work a bit longer? Probably 65, I reckon. 55? Yep. Perfect. Yeah. About six yeah. About 65. But, you know, like, if I make some good money, I'll I'll retire early. I don't wanna be working working Tell for you some what. of If if we won lotto, my we'd all be out tomorrow, would we not? life. Yeah. And I don't wanna do that either. I don't wanna pay No. that. 1 in a million. You can't even know that stupid thing. Yeah. No. That's okay. $2.00. It's always the people that don't need the money that win the lotto. Yeah. Exactly. $6.19 77. So you're 49 this year. Yep. Yep. Perfect. So we're working on 65 at the moment. That's okay. You've never had investments in your own name before? You've never owned shares before at all? No. Nope.","start_word":7466,"end_word":7633,"sentiment":"neutral","sentiment_score":-0.04826889932155609},{"text":"That's okay. All good.","start_word":7634,"end_word":7637,"sentiment":"positive","sentiment_score":0.5355262756347656},{"text":"And where are we? The other thing I wanted to sort of look at was if you looked at your super and it dropped by 20% to say we have, you know, another kind of COVID or GFC GFC style event and your super dropped significantly by, say, 20% in the next sort of six to twelve months. How do you think you might be feeling about that? I'll be upset because it's like, Yeah. what do I do? You know, like, what are you doing? Like, are you just watching the market for me? Like, you know, Yep. I don't want to see a big breakdown, like, my my super decreases from $9.06 to 70. You know, Mhmm. like, I don't know what's gonna happen with that part.","start_word":7638,"end_word":7766,"sentiment":"neutral","sentiment_score":-0.18011802434921265},{"text":"But, yeah, I'd be very bummed out if I see a lot of a big drop because as I've moved over to Hub 24, I've seen it grow.","start_word":7767,"end_word":7794,"sentiment":"negative","sentiment_score":-0.4085620641708374},{"text":"You know? So that's the whole reason that I wanna actually retire with Yes. money. Yep. Yeah. But, No. yeah, That's it's okay. okay. It's just what you guys can make sure that all the right choices and what that, you know, investments are being done right Yeah. for my No. for Under my understandable. Yeah. yeah. So, Brenda, with your portfolio at the moment, you are, from what I can see, in a bit more of a high growth environment there, and I'll go back and obviously double check the asset allocation as well. But that that essentially means that you are taking a bit more risk in the market in order to get those greater potential returns. So when we look at your super because you are wanting more returns, you are wanting those bigger numbers when it comes to your performance, you are taking more risk in the market to obtain that. And when we look at the high growth portfolio, because markets do go up and down and we can't predict what's gonna happen, the idea is we're participating in the market and and utilizing those downtimes to our advantage. But in this sort of portfolio that you're in, you do expect a negative return one in every sort of five years. And if the GFC style event came, no one can predict that. So not only would your HAB twenty four have to go through that, but every super fund would as well because that's, you know, it's generally Australia wide worldwide sort of event. Would you be comfortable knowing you were going through that sort of event and that your portfolio can come back and recover and that we're putting money into that downtime to advantage you, or do you think you'd be more concerned and wanting to move money out? No. Just Just the one that you first said before that before So that. you'd Yeah. you'd you'd be okay knowing that you can come out, that we're still putting your contributions in, and that you can take advantage of those downtimes? Yes. Yep. Yep.","start_word":7795,"end_word":8146,"sentiment":"neutral","sentiment_score":-0.037266431291672314},{"text":"Perfect.","start_word":8147,"end_word":8147,"sentiment":"positive","sentiment_score":0.3989916443824768},{"text":"No. That's okay. Because with where you are at the moment, the high growth sort of portfolio does suit someone who has at least eight years before they're wanting to access your super, you do generally sit within that sort of area when it comes to time horizon there. And this sort of portfolio, we are looking to try and average around about a 8% eight to 10% return on a yearly basis compounding that forward there. Do you feel like you're comfortable staying in that sort of environment? The way you've answered the questions, I sort of feel like you are fairly happy to stay in that one, though market drops would make you a bit more concerned. Are you comfortable taking on more risk to try and get better returns knowing that? Yes. Yep. Yep.","start_word":8148,"end_word":8284,"sentiment":"neutral","sentiment_score":0.11484768986701964},{"text":"Beautiful.","start_word":8285,"end_word":8285,"sentiment":"positive","sentiment_score":0.4901384711265564},{"text":"Did you want me to maybe look at salary sacrifice in the super and making additional contributions to help you meet your goals, or Probably down the track right now because I know that with my Australian Supernova that I finished with NTG, my that salary sacrifice stuff will stop with them because I was contributing $50. I I don't know. I was with $20 or $50, but I was contributing out of that. So that will stop now. But yeah. No. I would definitely like to contribute a little bit more Yep. Yep. out of Did my you want my me to incorporate that into the advice and maybe look at something small? We can start with 20 or $40 on a weekly or fortnightly basis and then kinda work it from there, or do you Yep. want that something down the track? Yeah. No. It's working in probably in the next month or so because Yes. I Perfect. I don't I don't Yep. even know how this is all gonna work. I'm just I That's know that okay. all my account all my money in one account that covers the bills Yeah. and whatever left over, I can put in another account. That's what I have to live off. Yeah.","start_word":8286,"end_word":8497,"sentiment":"neutral","sentiment_score":0.028082245143727876},{"text":"Perfect.","start_word":8498,"end_word":8498,"sentiment":"positive","sentiment_score":0.4124978184700012},{"text":"Do you think you'd be comfortable starting with 20 on a week or fortnightly basis or 40? What do you think starting point might look comfortable for you? 40. 40 on a weekly or fortnightly basis. Sorry. I know you're paid monthly. Yeah. Monthly. Monthly? That's okay. So 40 per month to start with. We can have a look at that. And then as time grows, we can always alter.","start_word":8499,"end_word":8568,"sentiment":"neutral","sentiment_score":0.11527346819639206},{"text":"Starting that sort of thing now does provide a greater benefit because you are starting you've got a longer time for the compounding effect to work for you. So Yep. I can incorporate that into the advice for you, and we can update all of that. That's not a problem at all.","start_word":8569,"end_word":8620,"sentiment":"positive","sentiment_score":0.436088502407074},{"text":"Okay?","start_word":8621,"end_word":8621,"sentiment":"neutral","sentiment_score":0.29344606399536133},{"text":"Perfect.","start_word":8622,"end_word":8622,"sentiment":"positive","sentiment_score":0.46911001205444336},{"text":"Now the only other thing to sorta look at here is with your estate planning side of things, I can see on one of your super funds here, you've got it noted that you want the funds to go to your kids. Yep. All of your kids are working in nontax dependence. Did you want me to factor that in as in the most tax effective way? Because, realistically, by nominating each of your children, if in the event you were to pass away, if they're receiving your super, they can have to pay tax on that when they receive it. So I can look at a way to incorporate your state planning to nominate them if that's what you're comfortable with in the most tax effective way for Yes, please. you. Yep. Perfect. And have you spoken to a solicitor or had a will drawn up in the past few years at all? No. But that's what I wanna get done to this year. Okay. That's okay.","start_word":8623,"end_word":8790,"sentiment":"neutral","sentiment_score":0.1576694781404166},{"text":"Not a problem at all.","start_word":8791,"end_word":8795,"sentiment":"positive","sentiment_score":0.37281787395477295},{"text":"We can incorporate the estate planning side of things for you. And with implementation, we can always send you referral information for a local solicitor we use and, obviously, costing so you can understand what that cost as well. Is that okay? Yep. Yep. Yep. Yep.","start_word":8796,"end_word":8841,"sentiment":"neutral","sentiment_score":0.2101522982120514},{"text":"That sounds right. Beautiful. Yep. Beautiful. That sounds right. And, Excellent.","start_word":8842,"end_word":8852,"sentiment":"positive","sentiment_score":0.5271164774894714},{"text":"you know, the, you know, the situation I'm in now, Yeah. we've got bills and what was I gonna say? Investment in property? Like, Yep. is that is that gonna be an option down the track? Like because, you Yep. know, I live in I live in I live in these flats right now, and Yeah.","start_word":8853,"end_word":8908,"sentiment":"neutral","sentiment_score":0.10572440922260284},{"text":"I would love to buy one of these just as an investment property.","start_word":8909,"end_word":8921,"sentiment":"positive","sentiment_score":0.4507707357406616},{"text":"And Yeah. just, you know, because Absolutely. they they they go just like that, and the rent the rent that they charge, the one that I'm paying now, Yeah. like, Yes.","start_word":8922,"end_word":8952,"sentiment":"neutral","sentiment_score":0.16901782155036926},{"text":"you know, it's it's a bloody good investment.","start_word":8953,"end_word":8960,"sentiment":"positive","sentiment_score":0.4626231193542481},{"text":"Absolutely. No. Look. It definitely is. With what I would be looking at doing first is focusing on the paying down of the debts because, realistically, investment property is great.","start_word":8961,"end_word":8990,"sentiment":"neutral","sentiment_score":0.24700139462947843},{"text":"It's a good asset.","start_word":8991,"end_word":8994,"sentiment":"positive","sentiment_score":0.5461486577987671},{"text":"And down the track, you absolutely can. However, they do look at your income and the debts that you have. And the more buy now, pay later options you have, lenders do actually look they're gonna be on those.","start_word":8995,"end_word":9033,"sentiment":"neutral","sentiment_score":0.1604677140712738},{"text":"So if you can pay off those buy now, pay laters, close them down, and then start saving, You'll basically be showing that you've got a savings habit, that you've paid off your debts, so that you've got that you're able to manage money, and that's what lenders are gonna look really positively on. So that is something you can definitely look at down the track.","start_word":9034,"end_word":9099,"sentiment":"positive","sentiment_score":0.37748292088508606},{"text":"We can always just say to a mortgage broker when you are ready and when that time comes.","start_word":9100,"end_word":9117,"sentiment":"neutral","sentiment_score":0.1874924004077911},{"text":"But for now, I would be focusing on you getting your debts paid down, closing off a lot of those buy now, pay laters, and then putting money into savings on a regular basis so you've got a savings habit.","start_word":9118,"end_word":9157,"sentiment":"positive","sentiment_score":0.3877066671848297},{"text":"And then we go to the mortgage broker and look at what you can borrow, what you can buy, and how we get there.","start_word":9158,"end_word":9181,"sentiment":"neutral","sentiment_score":0.23614254593849185},{"text":"But doing things one at a time, but knowing that your long term goal is perfect.","start_word":9182,"end_word":9197,"sentiment":"positive","sentiment_score":0.35174456238746643},{"text":"Does that help? Does that make sense? Yeah. Yeah. No. That's definitely Yep. yep.","start_word":9198,"end_word":9211,"sentiment":"neutral","sentiment_score":0.11125768721103668},{"text":"Perfect. Perfect. So goal wise, we're paying down debt.","start_word":9212,"end_word":9220,"sentiment":"positive","sentiment_score":0.40726760029792786},{"text":"So you wanna get an investment property down the track and into the property market there. With your super, we're working on age 65. You wanna look at what to do with the insurance cover. You just wanna be covered for best amount of in life of cover as possible. You don't have any income protection cover or anything there. Do you know do you have obviously, you're starting this new job as well. But if you were really sick or injured and you were not able to go to work, how do you think you would fund expenses at the moment? Yeah. And that's another thing that I wanted to bring up too, that income protection. So none of my superannuation covers any No. Correct. So we don't of have any that? at the moment, and it does leave a bit of a risk and a gap there. If you're not able to go to work in the short term, being as you are single, it does mean with not much in the way of savings and the expenses you have at the moment, it might be hard to live, which means you may have to apply for Centrelink, which can take anywhere from thirteen weeks for approval. So I can look at maybe some income protection options, have a look at what's out there, what's available, and we'll do the pre assessment. I'll do some research on some options, and then we can come back and have a really good insurance conversation about what you're after. Does that sound okay? Yes, please. Because I've seen a lot Beautiful. of that come up lately, and I just you know, single mom. Well, Yes. act yeah. My daughter's moved out now, so it's just me. But I always make sure that if I've come down with anything that I can't work, I need to be protected, that I can still have Correct. some for a year to cover my daily bills. Yep. Absolutely. And the other type of coverage you don't have here is trauma. So trauma tends to pay out a lump sum tax free benefit in the event that you are, say, diagnosed with a a very large traumatic condition. Cancer tends to be one of the biggest ones claimable. It's also on Parkinson's, other neurological conditions as well. There's a whole host of things, but trauma has to be paid out of your back pocket. Did you wanna look at some trauma to give you a little bit of an extra buffer there at all, or are you kinda not wanting to add to the out of pocket expenses? Not cover it too. Because I Yep. know I because when I was working on the front line, I was taking on a lot of stress. And even now that I'm taking on Yeah. this next role, it's gonna be working, you know, with a lot of our First Nations people. Mhmm. You know, like and I've come from a different background than a lot of other you know, a lot of we all come from different background grounds, you know, all our first Yep. nation pop. And it does bring a lot of trauma as well, Yep. you know, and I I know what I'm going into that I'm gonna Yep. be you know, it's gonna be a whole lot of kettle and fish that cultural wise, everything. So that might bring some stuff as well, but, you know, Yep. depression or mental health issues or something like that, you know, so I wanna be prepared for anything that's uncovered. Yep. No. That's okay. Not a problem. When we look at trauma, it can you can sorta cover yourself for whatever amount you feel is comfortable. Some people wanna look at maybe covering one or two years worth of their net or gross income to give them you that buffer to take maybe a year off or something. Do you know what you might be comfortable with me looking at for trauma cover Yeah. wise? Yep. Just one or two years worth of gross or net income? What do you think might be appropriate? Let's start off with one year first. One year first?","start_word":9221,"end_word":9927,"sentiment":"neutral","sentiment_score":-0.02553534924277912},{"text":"Perfect.","start_word":9928,"end_word":9928,"sentiment":"positive","sentiment_score":0.4162267744541168},{"text":"Yeah. Because And with I I don't even you're know. right. Like, once I work out the bills and, you know, then I can actually come up with a more Yep. better plan of how what what goes in because I don't be paying everything to insurances and everything, and then No. I'm gonna have Correct. money. Yeah. Correct. Absolutely. With income protection, they have what's called a waiting period. Because you are starting your new job there, you are an administration, have been doing a very similar role over the past couple of years. I'll have a look at what the options are available to you. You can be covered for up to 70% of your current income. Given that you are single, that you don't have a lot of savings behind you, you want me to look at the highest of 70% of cover. Is that right? Yep. Yep.","start_word":9929,"end_word":10079,"sentiment":"neutral","sentiment_score":0.0919683873653412},{"text":"Beautiful.","start_word":10080,"end_word":10080,"sentiment":"positive","sentiment_score":0.5639635920524597},{"text":"And with income protection, I have a waiting period. The lowest is about four weeks when we're paying for inside super. You're comfortable with me looking at the lowest waiting period so you don't have to wait as long to claim? Yep. Yep. And with the benefit period, this is how long you can be on an income protection claim for. They start at two years, can be five years, or up to age 65. The longer the benefit period, the more expensive the insurance is gonna be, but the more cover you have as well. Do you think you would only wanna be off for two years or should only be off for two years, or do you want me to look at something like five years to see what the cost might be and the effect on your super? Are you gonna do two and five just to see what Yep. yeah. Which one that I can afford that comes into my budget? Yeah. Absolutely. I can have a look at those options. So what Does that I'll money do in come does yeah. that money come Sorry. out about about my superannuation, like insurance? It can. Yeah. Yeah. So with income protection, the same as life and TPD, you can have it structured so it's inside super, so you're limiting your premiums coming out of your back pocket.","start_word":10081,"end_word":10311,"sentiment":"neutral","sentiment_score":0.08474325732170761},{"text":"You're comfortable with me doing that. You're happy to have the income protection inside super?","start_word":10312,"end_word":10326,"sentiment":"positive","sentiment_score":0.5228343605995178},{"text":"Yes. Yep.","start_word":10327,"end_word":10328,"sentiment":"neutral","sentiment_score":0.22628672420978543},{"text":"Beautiful.","start_word":10329,"end_word":10329,"sentiment":"positive","sentiment_score":0.5444561243057251},{"text":"Not a problem. I've With got the draw you're right. Sorry. yeah. Because I've got the three the three supers. Yep. So yeah. Like, Australian Super yeah. Because I've got a 167 there. The hub 24 doesn't do the insurance part of it. Plumb, like, can I just roll plumbing to Australian Super instead of having all this I don't know? You know, like, Yep. Yep. whatever. Yep. That's okay. I'll It have took a look too many. at all the options. Yep. Yeah. I'll I'll do the research and have a look at the options. We've got some things to do, and I definitely wanna have another conversation with you. So I've booked in your pre assessment with the admin team next Friday. I'll get them to give you a call at 01:00 Queensland time and go through that with you. I've added a text message reminder, so it sends you a text message about an hour prior to let you know that they are calling so we can go through that. Once I've got that, I can go through and do the research. And then once I've got the research, I'll come back. You and I can talk about the research I've done, what's available, the expected cost, and how you feel about it. And then we can knock down your goal for insurances and work out how to move forward for you, and I can do super insurances as a nice big updated advice document for you. Does that sound okay? Yep. Sounds right. Yep.","start_word":10330,"end_word":10587,"sentiment":"neutral","sentiment_score":0.13025885820388794},{"text":"Perfect. All good. Look, Brenda, I will let you go. I appreciate your time today. I've got everything I need for the moment.","start_word":10588,"end_word":10610,"sentiment":"positive","sentiment_score":0.44738513231277466},{"text":"I've booked in the pre assessment. Once we get that, we can move on to the next stage. Is that okay?","start_word":10611,"end_word":10631,"sentiment":"neutral","sentiment_score":0.24397775530815125},{"text":"You're happy moving forward that way? Yes, please. Sounds You're sounds good, Shana. And beautiful.","start_word":10632,"end_word":10646,"sentiment":"positive","sentiment_score":0.672852635383606},{"text":"I'm just I'm just I've got these things that I have to do in the next couple of weeks, but, hopefully, my parents can help me with that because of Yep. the home and see family. Yep. Yeah. And, hopefully, get rid of some debt with my payout as well. Yep. And then I can just focus on all this stuff and get start getting rid of it all. Yeah. No.","start_word":10647,"end_word":10717,"sentiment":"neutral","sentiment_score":0.231679305434227},{"text":"Perfect. But, yeah, if you can touch All base good. in the next couple of weeks, that'll be great.","start_word":10718,"end_word":10736,"sentiment":"positive","sentiment_score":0.42762377858161926},{"text":"Yep.","start_word":10737,"end_word":10737,"sentiment":"neutral","sentiment_score":0.25741860270500183},{"text":"Not a problem at all. Not a worry. Well, good luck with your job next week. I'll talk to you very soon, and let's get this show on the road. We'll get things moving and update the advice for you and help you along the way.","start_word":10738,"end_word":10783,"sentiment":"positive","sentiment_score":0.5453197956085205},{"text":"Okay? Yep.","start_word":10784,"end_word":10785,"sentiment":"neutral","sentiment_score":0.26053428649902344},{"text":"Sounds good, Dana. Thank you. Thank you for your call.","start_word":10786,"end_word":10795,"sentiment":"positive","sentiment_score":0.6667831540107727},{"text":"No. That's Whatever. okay. Yep.","start_word":10796,"end_word":10800,"sentiment":"neutral","sentiment_score":0.14439409971237183},{"text":"Enjoy the rest of your enjoy the rest of your week off. Thank you. Alright. You go. My You pleasure. for me too.","start_word":10801,"end_word":10823,"sentiment":"positive","sentiment_score":0.5097783207893372},{"text":"Okay.","start_word":10824,"end_word":10824,"sentiment":"neutral","sentiment_score":0.29843074083328247},{"text":"Thank you. See you, Brenda.","start_word":10825,"end_word":10829,"sentiment":"positive","sentiment_score":0.517951488494873},{"text":"Bye. Bye.","start_word":10830,"end_word":10831,"sentiment":"neutral","sentiment_score":0.23244726657867432}],"average":{"sentiment":"neutral","sentiment_score":0.07394109078087886}}}}