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I had you booked in just for a really quick catch up really just to go through the little bit of the change in the recommendation there for you. Is now still a good time? 10:30 or 11:30 your time? No. I can five minutes is not much change. Or That's fine. Okay. Perfect. I will just quickly go through it. Yeah. Because there's not much change. I will send you the document as well, so have a read through it. Not much change really when when you have a moment. Literally, the only change we were kind of talked about from last time is that you don't, at the moment anyway, want to change your insurances. So the only change we are doing is just keeping your current car insurance. That's it. The way it's structured, we can have it changed and just paid from hub twenty four for you. That DC will do all those forms. And then later, when your insurance when your superannuation have been sorted, if you then want to review it a bit more detail, we can then do it. So the only change as well is when you do have a look through, obviously, the the projection, it would have changed a little bit there for you because retaining your current insurance is a little bit more expensive than what the other insurance was recommended. And then, also, after that, because it was a little while since we did the first one, just in terms of, obviously, like, the fees and the returns and stuff like that as well, not really any drastic changes. So just have a look through it. No changes in the asset allocation. Hub twenty four still remains the same. There's only been one little change with the investment, and it's just swapping one defensive option for another one. The one that we were recommending last time, they've just kind of released that they are phasing that one out. They're just literally swapping it for another fixed interest instead for you. That's literally the the only change. Now because your super balance has gone up a little bit as well since we last spoke, if you see that the ongoing device fee is a little bit more, it's just because your super balance has gone up. There's no changes whatsoever to the fee. It is that 1.1 because, obviously, your partner is a client. No changes at all in regards to anything else. So it is pretty straightforward. It would just be set up hub twenty four, do the partial transfer. We will then help you change the insurances to be paid from hub twenty four. Once that's transferred over, we will then close down plum suit for you. It's a pretty straightforward. Yeah. Yep. Better than plums so far. Yes. Yes. Exactly. Yep. So last time when we run through the figures, we used a three year rolling average on the returns. Now we are using a five year rolling average to give you a bit more certainty. Obviously, there's been a bit of fluctuations in the market recently, which has caused both portfolios to decrease just a little bit, but the recommended portfolio is still well outperforming hub at plum for you. So it's still very much outperforming the investments in plum and still putting you in a lot better position even though keeping the insurances the way that you want as well. Yep. Yes. Yes. Sorry. That'll come through probably in the next five minutes. Then, obviously, when you have some time if you have some time today, have a bit of a read over it. If it's all good, then we'll just need you to sign the documents. We'll get notified, and we will start that process. And then we'll also contact Jayesh as well and make sure that we won't ever do his ongoing advice fee as well because we then obviously have you both on board of clients. Yes. Perfect. Have any other questions for me? I know you gotta go. No. Okay. Yep. Perfect. Well, thank you so much, and I very much look forward to working with you on all of this and achieving both of your goals. No. That's okay. That's okay. I understand. Life life always gets in the way. Things happen. That is no problem at all. Yes. Perfect. Well, you enjoy the rest of your day, and we'll speak soon. 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morning. This is Veronica from Financial. How are you? Yeah. I'm good.\n\nThanks. I had you booked in just for a really quick catch up really just to go through the little bit of the change in the recommendation there for you. Is now still a good time? 10:30 or 11:30 your time? No.\n\nI can five minutes is not much change. Or That's fine. Okay. Perfect. I will just quickly go through it.\n\nYeah. Because there's not much change. I will send you the document as well, so have a read through it. Not much change really when when you have a moment. Literally, the only change we were kind of talked about from last time is that you don't, at the moment anyway, want to change your insurances.\n\nSo the only change we are doing is just keeping your current car insurance. That's it. The way it's structured, we can have it changed and just paid from hub twenty four for you. That DC will do all those forms. And then later, when your insurance when your superannuation have been sorted, if you then want to review it a bit more detail, we can then do it.\n\nSo the only change as well is when you do have a look through, obviously, the the projection, it would have changed a little bit there for you because retaining your current insurance is a little bit more expensive than what the other insurance was recommended. And then, also, after that, because it was a little while since we did the first one, just in terms of, obviously, like, the fees and the returns and stuff like that as well, not really any drastic changes. So just have a look through it. No changes in the asset allocation. Hub twenty four still remains the same.\n\nThere's only been one little change with the investment, and it's just swapping one defensive option for another one. The one that we were recommending last time, they've just kind of released that they are phasing that one out. They're just literally swapping it for another fixed interest instead for you. That's literally the the only change. Now because your super balance has gone up a little bit as well since we last spoke, if you see that the ongoing device fee is a little bit more, it's just because your super balance has gone up.\n\nThere's no changes whatsoever to the fee. It is that 1.1 because, obviously, your partner is a client. No changes at all in regards to anything else. So it is pretty straightforward. It would just be set up hub twenty four, do the partial transfer.\n\nWe will then help you change the insurances to be paid from hub twenty four. Once that's transferred over, we will then close down plum suit for you. It's a pretty straightforward. Yeah. Yep.\n\nBetter than plums so far. Yes. Yes. Exactly. Yep.\n\nSo last time when we run through the figures, we used a three year rolling average on the returns. Now we are using a five year rolling average to give you a bit more certainty. Obviously, there's been a bit of fluctuations in the market recently, which has caused both portfolios to decrease just a little bit, but the recommended portfolio is still well outperforming hub at plum for you. So it's still very much outperforming the investments in plum and still putting you in a lot better position even though keeping the insurances the way that you want as well. Yep.\n\nYes. Yes. Sorry. That'll come through probably in the next five minutes. Then, obviously, when you have some time if you have some time today, have a bit of a read over it.\n\nIf it's all good, then we'll just need you to sign the documents. We'll get notified, and we will start that process. And then we'll also contact Jayesh as well and make sure that we won't ever do his ongoing advice fee as well because we then obviously have you both on board of clients. Yes. Perfect.\n\nHave any other questions for me? I know you gotta go. No. Okay. Yep.\n\nPerfect. Well, thank you so much, and I very much look forward to working with you on all of this and achieving both of your goals. No. That's okay. That's okay.\n\nI understand. Life life always gets in the way. Things happen. That is no problem at all. Yes.\n\nPerfect. Well, you enjoy the rest of your day, and we'll speak soon. Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":2.32,"end":2.8,"sentiment":"positive","sentiment_score":0.3894118368625641},{"text":"This is Veronica from Financial.","start":2.8,"end":4.26,"sentiment":"neutral","sentiment_score":0.31531535983085635},{"text":"How are you?","start":4.7999997,"end":5.62,"sentiment":"neutral","sentiment_score":0.26484671235084534},{"text":"Yeah.","start":8.32,"end":8.639999,"sentiment":"positive","sentiment_score":0.4588521122932434},{"text":"I'm good.","start":8.639999,"end":9.2,"sentiment":"positive","sentiment_score":0.6946333646774292}],"sentiment":"positive","sentiment_score":0.38446611166000366,"num_words":13,"start":2.32,"end":9.2},{"sentences":[{"text":"Thanks.","start":9.2,"end":9.7,"sentiment":"positive","sentiment_score":0.7270662784576416},{"text":"I had you booked in just for a really quick catch up really just to go through the little bit of the change in the recommendation there for you.","start":10.639999,"end":18.195,"sentiment":"neutral","sentiment_score":0.2963685655388339},{"text":"Is now still a good time?","start":18.195,"end":19.575,"sentiment":"neutral","sentiment_score":0.22433502475420633},{"text":"10:30 or 11:30 your time?","start":23.794998,"end":25.974998,"sentiment":"neutral","sentiment_score":0.01833063717931509},{"text":"No.","start":32.93,"end":33.25,"sentiment":"negative","sentiment_score":-0.3742753267288208}],"sentiment":"neutral","sentiment_score":0.2472653020661147,"num_words":42,"start":9.2,"end":33.25},{"sentences":[{"text":"I can five minutes is not much change.","start":33.25,"end":36.309998,"sentiment":"negative","sentiment_score":-0.4918374940752983},{"text":"Or That's 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when when you have a moment.","start":47.135002,"end":49.715,"sentiment":"neutral","sentiment_score":-0.22112586498260497},{"text":"Literally, the only change we were kind of talked about from last time is that you don't, at the moment anyway, want to change your insurances.","start":51.22,"end":58.28,"sentiment":"neutral","sentiment_score":-0.19930880316174948}],"sentiment":"neutral","sentiment_score":-0.1473538442847452,"num_words":56,"start":42.015,"end":58.28},{"sentences":[{"text":"So the only change we are doing is just keeping your current car insurance.","start":58.42,"end":63.8,"sentiment":"neutral","sentiment_score":-0.10117552908403533},{"text":"That's it.","start":64.744995,"end":65.645,"sentiment":"neutral","sentiment_score":-0.10037541389465332},{"text":"The way it's structured, we can have it changed and just paid from hub twenty four for you.","start":66.024994,"end":70.665,"sentiment":"neutral","sentiment_score":0.16046392007006538},{"text":"That DC will do all those forms.","start":70.665,"end":72.524994,"sentiment":"neutral","sentiment_score":0.08575469255447388},{"text":"And then later, when your insurance when your superannuation have been sorted, if you then want to review it a bit more detail, we can then do it.","start":72.66499,"end":79.83,"sentiment":"neutral","sentiment_score":0.1095851891274963}],"sentiment":"neutral","sentiment_score":0.0715914560832839,"num_words":69,"start":58.42,"end":79.83},{"sentences":[{"text":"So the only change as well is when you do have a look through, obviously, the the projection, it would have changed a little bit there for you because retaining your current insurance is a little bit more expensive than what the other insurance was recommended.","start":81.83,"end":95.130005,"sentiment":"neutral","sentiment_score":-0.27952373740465747},{"text":"And then, also, after that, because it was a little while since we did the first one, just in terms of, obviously, like, the fees and the returns and stuff like that as well, not really any drastic changes.","start":96.534996,"end":107.994995,"sentiment":"neutral","sentiment_score":0.024712709113000296},{"text":"So just have a look through it.","start":108.055,"end":109.44,"sentiment":"neutral","sentiment_score":0.06361973392111915},{"text":"No changes in the asset allocation.","start":109.76,"end":113.060005,"sentiment":"neutral","sentiment_score":-0.04924972107013067},{"text":"Hub twenty four still remains the same.","start":113.28,"end":115.380005,"sentiment":"neutral","sentiment_score":0.07972085848450661}],"sentiment":"neutral","sentiment_score":-0.10653724233132034,"num_words":105,"start":81.83,"end":115.380005},{"sentences":[{"text":"There's only been one little change with the investment, and it's just swapping one defensive option for another one.","start":116.0,"end":123.62,"sentiment":"neutral","sentiment_score":0.010479837705038096},{"text":"The one that we were recommending last time, they've just kind of released that they are phasing 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that 1.1 because, obviously, your partner is a client.","start":151.785,"end":155.72499,"sentiment":"neutral","sentiment_score":0.17184152928265659},{"text":"No changes at all in regards to anything else.","start":156.185,"end":158.905,"sentiment":"neutral","sentiment_score":0.11993600096967486},{"text":"So it is pretty straightforward.","start":158.905,"end":160.285,"sentiment":"positive","sentiment_score":0.36701582074165345},{"text":"It would just be set up hub twenty four, do the partial transfer.","start":160.745,"end":164.36499,"sentiment":"neutral","sentiment_score":0.17082359871039024}],"sentiment":"neutral","sentiment_score":0.16687388039297527,"num_words":45,"start":148.52,"end":164.36499},{"sentences":[{"text":"We will then help you change the insurances to be paid from hub twenty four.","start":164.64,"end":169.7,"sentiment":"neutral","sentiment_score":0.12623403693238894},{"text":"Once that's transferred over, we will then close down plum suit for you.","start":169.92,"end":174.5,"sentiment":"neutral","sentiment_score":0.11833673772903588},{"text":"It's a pretty straightforward.","start":175.2,"end":176.34,"sentiment":"neutral","sentiment_score":0.11019969172775745},{"text":"Yeah.","start":177.92,"end":178.42,"sentiment":"neutral","sentiment_score":0.08519719541072845},{"text":"Yep.","start":184.22499,"end":184.72499,"sentiment":"neutral","sentiment_score":0.2428329437971115}],"sentiment":"neutral","sentiment_score":0.12355050148771089,"num_words":34,"start":164.64,"end":184.72499},{"sentences":[{"text":"Better than plums so 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well.","start":222.51,"end":232.61,"sentiment":"positive","sentiment_score":0.36190468890051686},{"text":"Yep.","start":233.31,"end":233.81,"sentiment":"neutral","sentiment_score":0.05525415390729904}],"sentiment":"neutral","sentiment_score":0.2033745781609825,"num_words":102,"start":195.8,"end":233.81},{"sentences":[{"text":"Yes.","start":237.74501,"end":238.065,"sentiment":"neutral","sentiment_score":0.038055092096328735},{"text":"Yes.","start":238.065,"end":238.30501,"sentiment":"neutral","sentiment_score":0.02738494612276554},{"text":"Sorry.","start":238.30501,"end":238.625,"sentiment":"neutral","sentiment_score":0.006809249520301819},{"text":"That'll come through probably in the next five minutes.","start":238.625,"end":241.285,"sentiment":"neutral","sentiment_score":0.022832182753417227},{"text":"Then, obviously, when you have some time if you have some time today, have a bit of a read over 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I'm well, Veronica. How are you? What time is it? How how long do you think it'll take? I just have to take my daughter for a medical appointment. Yeah. That's fine, Shiv. Fine. Fine. Yeah. Yep. Let's go through it. Yes. Correct. Yes. Okay. Alright. Okay. Okay. Alright. So in the yeah. In terms of the overall performance of HUB24, it's basically expected to perform better than. Is that what you're recommending? Yeah? Better than plum. Yes. Yes. Yes. Yes. Okay. Okay. Alright. So you'll be sending me the document, and I have to sign it and send it back. Right? Okay. Mhmm. Yep. Yeah. Yep. Sure. Not a problem. Sounds good. All good. I will yeah. Not at the moment. Not at the moment. But, yes, I will go through the document and hopefully send it back to myself. Alright? Yes. Thank you so much, and thank you for the patience, sir, getting this across the line. Sorry. It took a while. Yes. I know. I know. I know. But thank you so much, and I'll I'll be in touch soon. Alright. Thanks. Bye. 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I'm well, Veronica. How are you? What time is it? How how long do you think it'll take?\n\nI just have to take my daughter for a medical appointment. Yeah. That's fine, Shiv. Fine. Fine.\n\nYeah. Yep. Let's go through it. Yes. Correct.\n\nYes. Okay. Alright. Okay. Okay.\n\nAlright. So in the yeah. In terms of the overall performance of HUB24, it's basically expected to perform better than. Is that what you're recommending? Yeah?\n\nBetter than plum. Yes. Yes. Yes. Yes.\n\nOkay. Okay. Alright. So you'll be sending me the document, and I have to sign it and send it back. Right?\n\nOkay. Mhmm. Yep. Yeah. Yep.\n\nSure. Not a problem. Sounds good. All good. I will yeah.\n\nNot at the moment. Not at the moment. But, yes, I will go through the document and hopefully send it back to myself. Alright? Yes.\n\nThank you so much, and thank you for the patience, sir, getting this across the line. Sorry. It took a while. Yes. I know.\n\nI know. I know. But thank you so much, and I'll I'll be in touch soon. Alright. Thanks.\n\nBye. You too. Yep. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.05387723818421364},{"text":"I'm well, Veronica.","start":5.6,"end":7.44,"sentiment":"positive","sentiment_score":0.465498814980189},{"text":"How are you?","start":7.44,"end":8.26,"sentiment":"positive","sentiment_score":0.3489692111810048},{"text":"What time is it?","start":21.315,"end":22.375,"sentiment":"neutral","sentiment_score":0.02513365028426051},{"text":"How how long do you think it'll take?","start":28.66,"end":29.94,"sentiment":"neutral","sentiment_score":0.006087881745770574}],"sentiment":"neutral","sentiment_score":0.1392904721984738,"num_words":19,"start":0.39999998,"end":29.94},{"sentences":[{"text":"I just have to take my daughter for a medical 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it.","start":40.9,"end":42.04,"sentiment":"neutral","sentiment_score":0.12056846171617508},{"text":"Yes.","start":50.245,"end":50.745,"sentiment":"neutral","sentiment_score":-0.028663763776421547},{"text":"Correct.","start":58.98,"end":59.48,"sentiment":"neutral","sentiment_score":-0.04565827548503876}],"sentiment":"neutral","sentiment_score":0.0878561909776181,"num_words":8,"start":39.62,"end":59.48},{"sentences":[{"text":"Yes.","start":65.7075,"end":66.2075,"sentiment":"neutral","sentiment_score":0.10498315095901488},{"text":"Okay.","start":80.274994,"end":80.674995,"sentiment":"neutral","sentiment_score":0.05141505226492882},{"text":"Alright.","start":80.674995,"end":81.174995,"sentiment":"neutral","sentiment_score":0.022185251116752625},{"text":"Okay.","start":132.715,"end":133.215,"sentiment":"neutral","sentiment_score":0.06923849135637283},{"text":"Okay.","start":175.3,"end":175.62001,"sentiment":"neutral","sentiment_score":0.10134997963905334}],"sentiment":"neutral","sentiment_score":0.0698343850672245,"num_words":5,"start":65.7075,"end":175.62001},{"sentences":[{"text":"Alright.","start":175.62001,"end":176.02,"sentiment":"neutral","sentiment_score":0.14367645978927612},{"text":"So in the yeah.","start":176.02,"end":178.98001,"sentiment":"neutral","sentiment_score":0.07884838990867138},{"text":"In terms of the overall performance of HUB24, it's basically expected to perform better than.","start":178.98001,"end":188.455,"sentiment":"neutral","sentiment_score":0.24585158973932267},{"text":"Is that what you're recommending?","start":188.455,"end":189.655,"sentiment":"neutral","sentiment_score":0.1976882666349411},{"text":"Yeah?","start":189.655,"end":190.155,"sentiment":"neutral","sentiment_score":0.12811744213104248}],"sentiment":"neutral","sentiment_score":0.2024385631084442,"num_words":26,"start":175.62001,"end":190.155},{"sentences":[{"text":"Better than plum.","start":192.695,"end":193.655,"sentiment":"neutral","sentiment_score":0.22414515912532806},{"text":"Yes.","start":193.655,"end":194.155,"sentiment":"neutral","sentiment_score":0.16893649101257324},{"text":"Yes.","start":203.91,"end":204.41,"sentiment":"neutral","sentiment_score":0.19563308358192444},{"text":"Yes.","start":212.145,"end":212.645,"sentiment":"neutral","sentiment_score":0.02867896109819412},{"text":"Yes.","start":217.905,"end":218.405,"sentiment":"neutral","sentiment_score":0.14349286258220673}],"sentiment":"neutral","sentiment_score":0.17273955366441182,"num_words":7,"start":192.695,"end":218.405},{"sentences":[{"text":"Okay.","start":223.10501,"end":223.60501,"sentiment":"positive","sentiment_score":0.35915637016296387},{"text":"Okay.","start":231.3,"end":231.8,"sentiment":"neutral","sentiment_score":0.09281987696886064},{"text":"Alright.","start":232.1,"end":232.6,"sentiment":"neutral","sentiment_score":0.08705230802297592},{"text":"So you'll be sending me the document, and I have to sign it and send it back.","start":232.82,"end":237.22,"sentiment":"neutral","sentiment_score":0.05324328340151731},{"text":"Right?","start":237.22,"end":237.72,"sentiment":"neutral","sentiment_score":0.0362294465303421}],"sentiment":"neutral","sentiment_score":0.07049494378623508,"num_words":21,"start":223.10501,"end":237.72},{"sentences":[{"text":"Okay.","start":238.58,"end":239.08,"sentiment":"neutral","sentiment_score":0.024448199197649956},{"text":"Mhmm.","start":241.72499,"end":242.22499,"sentiment":"neutral","sentiment_score":0.025284472852945328},{"text":"Yep.","start":263.9,"end":264.13998,"sentiment":"neutral","sentiment_score":0.05991983413696289},{"text":"Yeah.","start":264.13998,"end":264.38,"sentiment":"neutral","sentiment_score":0.07232874631881714},{"text":"Yep.","start":264.38,"end":264.62,"sentiment":"neutral","sentiment_score":0.0711069330573082}],"sentiment":"neutral","sentiment_score":0.0506176371127367,"num_words":5,"start":238.58,"end":264.62},{"sentences":[{"text":"Sure.","start":264.62,"end":264.86,"sentiment":"neutral","sentiment_score":0.12967216968536377},{"text":"Not a problem.","start":264.86,"end":265.6,"sentiment":"neutral","sentiment_score":0.21607978641986847},{"text":"Sounds good.","start":265.605,"end":266.345,"sentiment":"positive","sentiment_score":0.46300050616264343},{"text":"All good.","start":266.48502,"end":267.045,"sentiment":"positive","sentiment_score":0.4508132040500641},{"text":"I will yeah.","start":267.045,"end":268.265,"sentiment":"neutral","sentiment_score":0.13220206648111343}],"sentiment":"neutral","sentiment_score":0.2729222862557931,"num_words":11,"start":264.62,"end":268.265},{"sentences":[{"text":"Not at the moment.","start":269.685,"end":270.665,"sentiment":"neutral","sentiment_score":-0.061071635223925114},{"text":"Not at the moment.","start":270.965,"end":271.945,"sentiment":"neutral","sentiment_score":-0.05920621007680893},{"text":"But, yes, I will go through the document and hopefully send it back to 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soon.","start":295.665,"end":298.405,"sentiment":"neutral","sentiment_score":0.22023281889657179},{"text":"Alright.","start":299.265,"end":299.665,"sentiment":"positive","sentiment_score":0.6782810091972351},{"text":"Thanks.","start":299.665,"end":300.065,"sentiment":"positive","sentiment_score":0.7425042390823364}],"sentiment":"neutral","sentiment_score":0.1995803757260243,"num_words":18,"start":293.505,"end":300.065},{"sentences":[{"text":"Bye.","start":300.065,"end":300.565,"sentiment":"positive","sentiment_score":0.4937340021133423},{"text":"You too.","start":301.025,"end":301.845,"sentiment":"neutral","sentiment_score":0.205765962600708},{"text":"Yep.","start":301.98502,"end":302.225,"sentiment":"neutral","sentiment_score":0.09883841127157213},{"text":"Bye.","start":302.225,"end":302.725,"sentiment":"neutral","sentiment_score":0.09463494271039964}],"sentiment":"neutral","sentiment_score":0.219747856259346,"num_words":5,"start":300.065,"end":302.725}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good morning. This is Veronica from Financial. How are you?\n\nChannel 1: I'm well, Veronica. How are you?\n\nChannel 0: Yeah. I'm good. Thanks. I had you booked in just for a really quick catch up really just to go through the little bit of the change in the recommendation there for you. Is now still a good time?\n\nChannel 1: What time is it?\n\nChannel 0: 10:30 or 11:30 your time?\n\nChannel 1: How how long do you think it'll take? I just have to take my daughter for a medical appointment.\n\nChannel 0: No. I can five minutes is not much change.\n\nChannel 1: Yeah. That's\n\nChannel 0: Or\n\nChannel 1: fine, Shiv.\n\nChannel 0: That's\n\nChannel 1: Fine.\n\nChannel 0: fine. Okay.\n\nChannel 1: Fine.\n\nChannel 0: Perfect.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: I will\n\nChannel 1: Let's\n\nChannel 0: just quickly\n\nChannel 1: go through\n\nChannel 0: go\n\nChannel 1: it.\n\nChannel 0: through it. Yeah. Because there's not much change. I will send you the document as well, so have a read through it. Not much change really when when you have a moment.\n\nChannel 1: Yes.\n\nChannel 0: Literally, the only change we were kind of talked about from last time is that you don't, at the moment anyway, want to change your insurances. So the\n\nChannel 1: Correct.\n\nChannel 0: only change we are doing is just keeping your current car insurance. That's it.\n\nChannel 1: Yes.\n\nChannel 0: The way it's structured, we can have it changed and just paid from hub twenty four for you. That DC will do all those forms. And then later, when your insurance when your superannuation have been sorted, if you then want to review it a bit more detail, we can then do it.\n\nChannel 1: Okay. Alright.\n\nChannel 0: So the only change as well is when you do have a look through, obviously, the the projection, it would have changed a little bit there for you because retaining your current insurance is a little bit more expensive than what the other insurance was recommended. And then, also, after that, because it was a little while since we did the first one, just in terms of, obviously, like, the fees and the returns and stuff like that as well, not really any drastic changes. So just have a look through it. No changes in the asset allocation. Hub twenty four still remains the same.\n\nThere's only been one little change with the investment, and it's just swapping one defensive option for another one. The one that we were recommending last time, they've just kind of released that they are phasing that one out. They're just literally swapping it for another fixed interest instead\n\nChannel 1: Okay.\n\nChannel 0: for you. That's literally the the only change. Now because your super balance has gone up a little bit as well since we last spoke, if you see that the ongoing device fee is a little bit more, it's just because your super balance has gone up. There's no changes whatsoever to the fee. It is that 1.1 because, obviously, your partner is a client.\n\nNo changes at all in regards to anything else. So it is pretty straightforward. It would just be set up hub twenty four, do the partial transfer. We will then help you change the insurances to be paid from hub twenty four. Once that's transferred over, we will then close down plum suit for you.\n\nIt's\n\nChannel 1: Okay.\n\nChannel 0: a pretty\n\nChannel 1: Alright.\n\nChannel 0: straightforward.\n\nChannel 1: So in\n\nChannel 0: Yeah.\n\nChannel 1: the yeah. In terms of the overall performance of HUB24,\n\nChannel 0: Yep.\n\nChannel 1: it's basically expected to perform better than. Is that what you're recommending? Yeah?\n\nChannel 0: Better than plums so far. Yes.\n\nChannel 1: Better than plum. Yes.\n\nChannel 0: Yes. Exactly. Yep. So last time when we run through the figures, we used a three year rolling average on the returns.\n\nChannel 1: Yes.\n\nChannel 0: Now we are using a five year rolling average to give you a bit more certainty. Obviously, there's been a bit of fluctuations in the market recently,\n\nChannel 1: Yes.\n\nChannel 0: which has caused both portfolios to decrease just a little bit, but the recommended\n\nChannel 1: Yes.\n\nChannel 0: portfolio is still well outperforming hub at plum for you. So it's still\n\nChannel 1: Okay.\n\nChannel 0: very much outperforming the investments in plum and still putting you in a lot better position even though keeping the insurances the way that\n\nChannel 1: Okay.\n\nChannel 0: you want as\n\nChannel 1: Alright.\n\nChannel 0: well.\n\nChannel 1: So you'll be\n\nChannel 0: Yep.\n\nChannel 1: sending me the document, and I have to sign it and send it back. Right?\n\nChannel 0: Yes. Yes. Sorry.\n\nChannel 1: Okay.\n\nChannel 0: That'll come through probably in the next five minutes.\n\nChannel 1: Mhmm.\n\nChannel 0: Then, obviously, when you have some time if you have some time today, have a bit of a read over it. If it's all good, then we'll just need you to sign the documents. We'll get notified, and we will start that process. And then we'll also contact Jayesh as well and make sure that we won't ever do his ongoing advice fee as well because we then obviously have you both on board of clients.\n\nChannel 1: Yep. Yeah. Yep. Sure. Not a problem.\n\nChannel 0: Yes.\n\nChannel 1: Sounds good.\n\nChannel 0: Perfect.\n\nChannel 1: All good. I\n\nChannel 0: Have\n\nChannel 1: will\n\nChannel 0: any other\n\nChannel 1: yeah.\n\nChannel 0: questions for me? I know you gotta\n\nChannel 1: Not\n\nChannel 0: go.\n\nChannel 1: at the moment. Not\n\nChannel 0: No.\n\nChannel 1: at the moment.\n\nChannel 0: Okay.\n\nChannel 1: But, yes, I will go through the document and hopefully send it back to myself.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Alright?\n\nChannel 0: Well, thank you so much, and I very much look forward to working with you on all of this and\n\nChannel 1: Yes.\n\nChannel 0: achieving both of your goals.\n\nChannel 1: Thank you so much, and thank you for the patience, sir,\n\nChannel 0: No.\n\nChannel 1: getting\n\nChannel 0: That's\n\nChannel 1: this\n\nChannel 0: okay.\n\nChannel 1: across the line. Sorry.\n\nChannel 0: That's okay.\n\nChannel 1: It took a\n\nChannel 0: I\n\nChannel 1: while.\n\nChannel 0: understand. Life life always gets\n\nChannel 1: Yes.\n\nChannel 0: in the way. Things happen.\n\nChannel 1: I know.\n\nChannel 0: That is no\n\nChannel 1: I know.\n\nChannel 0: problem at all.\n\nChannel 1: I know. But thank you so much, and I'll I'll be in touch soon.\n\nChannel 0: Yes. Perfect.\n\nChannel 1: Alright.\n\nChannel 0: Well, you enjoy\n\nChannel 1: Thanks.\n\nChannel 0: the rest\n\nChannel 1: Bye.\n\nChannel 0: of your day, and we'll speak\n\nChannel 1: You\n\nChannel 0: soon.\n\nChannel 1: too. Yep. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.05387723818421364}],"sentiment":"neutral","sentiment_score":0.05387723818421364,"channel":1,"num_words":1,"start":0.39999998,"end":0.9},{"sentences":[{"text":"Good morning.","start":2.32,"end":2.8,"sentiment":"positive","sentiment_score":0.3894118368625641},{"text":"This is Veronica from Financial.","start":2.8,"end":4.26,"sentiment":"neutral","sentiment_score":0.31531535983085635},{"text":"How are you?","start":4.7999997,"end":5.62,"sentiment":"neutral","sentiment_score":0.26484671235084534}],"sentiment":"neutral","sentiment_score":0.3149940609931946,"channel":0,"num_words":10,"start":2.32,"end":5.62},{"sentences":[{"text":"I'm well, Veronica.","start":5.6,"end":7.44,"sentiment":"positive","sentiment_score":0.465498814980189},{"text":"How are you?","start":7.44,"end":8.26,"sentiment":"positive","sentiment_score":0.3489692111810048}],"sentiment":"positive","sentiment_score":0.4072340130805969,"channel":1,"num_words":6,"start":5.6,"end":8.26},{"sentences":[{"text":"Yeah.","start":8.32,"end":8.639999,"sentiment":"positive","sentiment_score":0.4588521122932434},{"text":"I'm good.","start":8.639999,"end":9.2,"sentiment":"positive","sentiment_score":0.6946333646774292},{"text":"Thanks.","start":9.2,"end":9.7,"sentiment":"positive","sentiment_score":0.7270662784576416},{"text":"I had you booked in just for a really quick catch up really just to go through the little bit of the change in the recommendation there for you.","start":10.639999,"end":18.195,"sentiment":"neutral","sentiment_score":0.2963685655388339},{"text":"Is now still a good time?","start":18.195,"end":19.575,"sentiment":"neutral","sentiment_score":0.22433502475420633}],"sentiment":"neutral","sentiment_score":0.320920094083517,"channel":0,"num_words":39,"start":8.32,"end":19.575},{"sentences":[{"text":"What time is it?","start":21.315,"end":22.375,"sentiment":"neutral","sentiment_score":0.02513365028426051}],"sentiment":"neutral","sentiment_score":0.02513365028426051,"channel":1,"num_words":4,"start":21.315,"end":22.375},{"sentences":[{"text":"10:30 or 11:30 your time?","start":23.794998,"end":25.974998,"sentiment":"neutral","sentiment_score":0.01833063717931509}],"sentiment":"neutral","sentiment_score":0.01833063717931509,"channel":0,"num_words":5,"start":23.794998,"end":25.974998},{"sentences":[{"text":"How how long do you think it'll take?","start":28.66,"end":29.94,"sentiment":"neutral","sentiment_score":0.006087881745770574},{"text":"I just have to take my daughter for a medical appointment.","start":29.94,"end":32.36,"sentiment":"neutral","sentiment_score":-0.0943194597282193}],"sentiment":"neutral","sentiment_score":-0.052042684370749874,"channel":1,"num_words":19,"start":28.66,"end":32.36},{"sentences":[{"text":"No.","start":32.93,"end":33.25,"sentiment":"negative","sentiment_score":-0.3742753267288208},{"text":"I can five minutes is not much 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Shiv.","start":37.14,"end":37.78,"sentiment":"neutral","sentiment_score":0.09381995350122452}],"sentiment":"neutral","sentiment_score":0.09381995350122452,"channel":1,"num_words":2,"start":37.14,"end":37.78},{"sentences":[{"text":"That's","start":37.649998,"end":38.05,"sentiment":"neutral","sentiment_score":0.1338328868150711}],"sentiment":"neutral","sentiment_score":0.1338328868150711,"channel":0,"num_words":1,"start":37.649998,"end":38.05},{"sentences":[{"text":"Fine.","start":37.78,"end":38.28,"sentiment":"neutral","sentiment_score":0.1058005392551422}],"sentiment":"neutral","sentiment_score":0.1058005392551422,"channel":1,"num_words":1,"start":37.78,"end":38.28},{"sentences":[{"text":"fine.","start":38.05,"end":38.415,"sentiment":"neutral","sentiment_score":0.1101173460483551},{"text":"Okay.","start":38.655003,"end":39.055,"sentiment":"neutral","sentiment_score":0.14681945741176605}],"sentiment":"neutral","sentiment_score":0.12846840173006058,"channel":0,"num_words":2,"start":38.05,"end":39.055},{"sentences":[{"text":"Fine.","start":38.9,"end":39.4,"sentiment":"neutral","sentiment_score":0.2566167116165161}],"sentiment":"neutral","sentiment_score":0.2566167116165161,"channel":1,"num_words":1,"start":38.9,"end":39.4},{"sentences":[{"text":"Perfect.","start":39.055,"end":39.555,"sentiment":"positive","sentiment_score":0.40120524168014526}],"sentiment":"positive","sentiment_score":0.40120524168014526,"channel":0,"num_words":1,"start":39.055,"end":39.555},{"sentences":[{"text":"Yeah.","start":39.62,"end":40.02,"sentiment":"neutral","sentiment_score":0.157792866230011},{"text":"Yep.","start":40.02,"end":40.52,"sentiment":"neutral","sentiment_score":0.1371048539876938}],"sentiment":"neutral","sentiment_score":0.1474488601088524,"channel":1,"num_words":2,"start":39.62,"end":40.52},{"sentences":[{"text":"I 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representative from Financial calls a customer to confirm their appointment time and explains that there is no major change to their car insurance coverage. The representative also explains that the customer's coverage will be kept the same and that the customer's coverage will be transferred to hub 24. The representative will send the customer a document and follow up with them to ensure their goals are met."},"intents":{"segments":[{"text":"I had you booked in just for a really quick catch up really just to go through the little bit of the change in the recommendation there for you. Is now still a good time? What time is it?","start_word":21,"end_word":59,"intents":[{"intent":"Schedule meeting","confidence_score":0.020286173}]},{"text":"In terms of the overall performance of HUB24, Yep. it's basically expected to perform better than. Is that what you're recommending? Yeah?","start_word":533,"end_word":554,"intents":[{"intent":"Discuss hub24 performance","confidence_score":0.0045253336}]},{"text":"So you'll be Yep. sending me the document, and I have to sign it and send it back. Right? Yes.","start_word":675,"end_word":694,"intents":[{"intent":"Request document signature","confidence_score":0.0023771282},{"intent":"Request status of documents","confidence_score":0.00042935135},{"intent":"Request completion of process","confidence_score":0.0028957461}]},{"text":"I Have will any other yeah. questions for me?","start_word":797,"end_word":805,"intents":[{"intent":"End conversation","confidence_score":0.2966752}]},{"text":"Well, thank you so much, and I very much look forward to working with you on all of this and Yes. achieving both of your goals. Thank you so much, and thank you for the patience, sir, No.","start_word":839,"end_word":876,"intents":[{"intent":"Express gratitude","confidence_score":0.12366374}]}]},"sentiments":{"segments":[{"text":"Hello?","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.05387723818421364},{"text":"Good morning.","start_word":1,"end_word":2,"sentiment":"positive","sentiment_score":0.3771855533123016},{"text":"This is Veronica from Financial. How are you?","start_word":3,"end_word":10,"sentiment":"neutral","sentiment_score":0.297738254070282},{"text":"I'm well, Veronica. How are you? Yeah. I'm good. Thanks.","start_word":11,"end_word":20,"sentiment":"positive","sentiment_score":0.5174667835235596},{"text":"I had you booked in just for a really quick catch up really just to go through the little bit of the change in the recommendation there for you. Is now still a good time? What time is it? 10:30 or 11:30 your time? How how long do you think it'll take? I just have to take my daughter for a medical appointment.","start_word":21,"end_word":83,"sentiment":"neutral","sentiment_score":0.13431115448474884},{"text":"No. I can five minutes is not much change.","start_word":84,"end_word":92,"sentiment":"negative","sentiment_score":-0.4659903347492218},{"text":"Yeah. That's Or fine, Shiv. That's Fine. fine. Okay. Fine.","start_word":93,"end_word":102,"sentiment":"neutral","sentiment_score":0.09664984792470932},{"text":"Perfect.","start_word":103,"end_word":103,"sentiment":"positive","sentiment_score":0.40120524168014526},{"text":"Yeah. Yep. I will Let's just quickly go through go it. through it. Yeah. Because there's not much change. I will send you the document as well, so have a read through it. Not much change really when when you have a moment. Yes. Literally, the only change we were kind of talked about from last time is that you don't, at the moment anyway, want to change your insurances. So the only Correct. change we are doing is just keeping your current car insurance. That's it. Yes. The way it's structured, we can have it changed and just paid from hub twenty four for you. That DC will do all those forms. And then later, when your insurance when your superannuation have been sorted, if you then want to review it a bit more detail, we can then do it. Okay. Alright. So the only change as well is when you do have a look through, obviously, the the projection, it would have changed a little bit there for you because retaining your current insurance is a little bit more expensive than what the other insurance was recommended. And then, also, after that, because it was a little while since we did the first one, just in terms of, obviously, like, the fees and the returns and stuff like that as well, not really any drastic changes. So just have a look through it. No changes in the asset allocation. Hub twenty four still remains the same. There's only been one little change with the investment, and it's just swapping one defensive option for another one. The one that we were recommending last time, they've just kind of released that they are phasing that one out. They're just literally swapping it for another fixed interest instead Okay. for you. That's literally the the only change. Now because your super balance has gone up a little bit as well since we last spoke, if you see that the ongoing device fee is a little bit more, it's just because your super balance has gone up. There's no changes whatsoever to the fee. It is that 1.1 because, obviously, your partner is a client. No changes at all in regards to anything else.","start_word":104,"end_word":475,"sentiment":"neutral","sentiment_score":0.010865247898524808},{"text":"So it is pretty straightforward.","start_word":476,"end_word":480,"sentiment":"positive","sentiment_score":0.36114057898521423},{"text":"It would just be set up hub twenty four, do the partial transfer. We will then help you change the insurances to be paid from hub twenty four. Once that's transferred over, we will then close down plum suit for you. It's Okay. a pretty Alright. straightforward. So in Yeah. the yeah. In terms of the overall performance of HUB24, Yep. it's basically expected to perform better than. Is that what you're recommending? Yeah? Better than plums so far. Yes. Better than plum. Yes. Yes. Exactly. Yep. So last time when we run through the figures, we used a three year rolling average on the returns. Yes. Now we are using a five year rolling average to give you a bit more certainty. Obviously, there's been a bit of fluctuations in the market recently, Yes. which has caused both portfolios to decrease just a little bit, but the recommended Yes.","start_word":481,"end_word":630,"sentiment":"neutral","sentiment_score":0.13186983093619348},{"text":"portfolio is still well outperforming hub at plum for you.","start_word":631,"end_word":640,"sentiment":"positive","sentiment_score":0.4343836009502411},{"text":"So it's still Okay.","start_word":641,"end_word":644,"sentiment":"neutral","sentiment_score":0.2756066918373108},{"text":"very much outperforming the investments in plum and still putting you in a lot better position even though keeping the insurances the way that Okay.","start_word":645,"end_word":669,"sentiment":"positive","sentiment_score":0.4195854961872101},{"text":"you want as Alright. well. So you'll be Yep. sending me the document, and I have to sign it and send it back. Right? Yes. Yes. Sorry. Okay. That'll come through probably in the next five minutes. Mhmm. Then, obviously, when you have some time if you have some time today, have a bit of a read over it. If it's all good, then we'll just need you to sign the documents. We'll get notified, and we will start that process. And then we'll also contact Jayesh as well and make sure that we won't ever do his ongoing advice fee as well because we then obviously have you both on board of clients. Yep. Yeah. Yep. Sure. Not a problem. Yes.","start_word":670,"end_word":791,"sentiment":"neutral","sentiment_score":0.08716937899589539},{"text":"Sounds good. Perfect. All good.","start_word":792,"end_word":796,"sentiment":"positive","sentiment_score":0.4759889841079712},{"text":"I Have will any other yeah. questions for me? I know you gotta Not go. at the moment. Not No. at the moment. Okay. But, yes, I will go through the document and hopefully send it back to myself. Yep. Perfect. 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