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Do you guys get that public holiday over in WA at all? Yeah. Oh, that's nice. Unfortunately, here in Queensland, we don't. So, hopefully, you're enjoying it. No. Nice. Nice. All good. And before we jump into the call with the annual review, I just need to let you know we do record our calls for quality and training purposes. Moving forward, are you happy and comfortable for me to do that for you? Fantastic. And just to do security there as well, we are discussing your personal information. I'll just get you to confirm your full name, your address, and date of birth I should have on file. Yep. Yep. Beautiful. Thank you so much for that. What I'll do for you to make it easier, because I know you are working, is I'll go through. We'll have a chat about your annual review. I'll give you a bit of an update on everything there. And then after the call, I'll send through your annual review pack for you to have a look at and to sign a return back for us. Okay? Fantastic. Firstly, Elsa, before we jump into the call and run through everything, is there anything particular you wanted me to kind of touch base on or any questions you might have for me here at the moment? Yeah. All good. Do you happen to log in and have a look at your super very often, or have you been avoiding it? Yeah. Yeah. Yep. Yep. No. That's okay. Yeah. Absolutely. And how's everything been since you had all that dental work? Has everything calmed down? You recovered nicely? Yep. Yeah. Yeah. Yeah. Abs absolutely. Well, hopefully, the recovery continues good and all okay. I'll give you a bit of an update on your super there. So having a look, even though there's a lot going on at the world at the moment, your balance last year at this time last year was about $34,005.05 6, and then so your balance now, we've got about 40,040 thousand and 99 in there. So you have gone up. You've had about an 18% return. Earnings wise, it does equate to about bit over $6,000 for the year. So your balance has increased on this time last year, which is good. You're still getting that additional growth in there. And as as you said, you're building things back up a bit. So with the contributions going in from work and, obviously, the growth that we are getting there as well, that'll continue to compound, and we'll certainly keep monitoring things there for you. But to come out with everything that's been going on, you've still got a positive result at the end of the twelve months, so it is really good to see. Okay? Fantastic. I can also see here with the contributions. You're getting contributions from a few different places over the past few months there. Are you technically a contractor? Or yeah. Yeah. Yeah. Okay. Yeah. Beautiful. I mean, we're having a look at the contributions. They're all pretty consistent. So you seem to be getting you know, finishing one job and starting the next one fairly quickly, which is great to see. You're fairly constant with the role you're getting. Oh, that's fantastic. No. Well, hopefully, it all continues. If anything does come up, let me know. Because you are kind of moving between different roles in a regular basis with jobs ending and contracts ending and things like that, Are you happy just with your employer contributions going in? Did you wanna look at maybe adding additional contributions outside of what your employers do put in, or you just wanna wait and see? What's your thoughts there? Yep. Yeah. Yeah. Absolutely. Is there an amount that you'd be comfortable sort of putting in out of your week or fortnightly pay, or did you want us to sort of have a look at what's more beneficial? Yeah. Yeah. Yeah. Blockuates heavily. Yeah. Yep. Yeah. That's okay. Yeah. Did you the other option is we can always look at maybe attaching base around about sort of June, having a look at what your contributions are that have gone in, what you might have left over in savings, and what you might wanna be comfortable with putting in as maybe a lump sum and how that might benefit you. Did you wanna maybe hold off until early June, and we can maybe look into financial year for you depending also what your hours are and what your work is? Yep. Yeah. Perfect. No worries. Not a worry at all. I'll put a catch up in the calendar for the early June. I'll get my team to give you a call then, and we can have a chat about the additional contributions. Yep. Fantastic. Excellent. Excellent. I also just wanted to sort of go through your insurances with you as well. I know you are very time poor. You've got a lot going on there at the moment. With your current insurance policy, you've got your life, your TPD with one pass there. The current sum insured for those is 708,750. I'm sort of looking at where you are with your assets so that I can see you've got your main primary residence in the motor vehicle noted down with the only debt I can see is about 320,000. Is that fairly accurate? Yeah. Perfect. Perfect. Yep. Excellent. So we'll say 300 thousand there. Okay. Alright. Yep. Beautiful. So you're all about 2 to 2 and a half thousand on that one. Yep. Beautiful. On that one. Excellent. So that'll be fully cleared very shortly. Lovely. Well, when you do look at your life and TBD there, I mean, if anything was to happen, you were to pass away, your life benefit pays at, obviously, at $708,007.50, plus your super can be paid out on top of that, which could clear the mortgage completely debt free, and then the rest of the funds can be left to your beneficiaries there. Are you fairly comfortable with the life benefit you have? Did you wanna look at altering that in any way, shape, or form? Let's have a look for you. I actually don't think I have anyone. I know with your super, having a look at the beneficiary, we don't have anyone noted. So I did wanna definitely talk to you about who you would like as your beneficiary in the event of passing away for your life cover and your HUB 24. Who would you like to have it all left to? Yeah. Yep. Yep. Yep. Yep. Abs absolutely. Yeah. So I've got your brother Tim down as your next of kin here. So he is who you'd wanna leave that benefit to? Yep. Yeah. That's okay. So the restrictions are around leaving a beneficiary on super annual life policy. Yeah. They have to meet a certain criteria. So, technically, a brother isn't fitting in that criteria to be a beneficiary. So what we sort of suggested on the beneficiary nomination, you have it set to your legal personal representative. And that means in the event of passing, everything gets paid to your estate, and then it's just important that you have an updated will. And in that will, you make the reflection there that you wanted everything to be paid out to your brother, Tim. Yeah. Have you ever had a will drawn up? Or I can see here I don't have anything sort of noted here from the past. That's all. Yeah. Yeah. No. That's okay. Yeah. That that's okay. Well, we'll definitely send out the beneficiary nominations to have those completed. Are you did you want us to maybe tick the box for legal personal representative and help fill the format? Are you comfortable if we no. No. Well, you definitely can leave it to your brother. It's just that when it comes to the superannuation legislation for your life and your super, in order to have a beneficiary, the beneficiary to be nominated directly has to be your spouse, a child, someone who has an interdependent relationship with you or relies on you financially. So because your brother doesn't fit in with that category, he can't be nominated to your super or your life policy by name, but he can no. Yeah. That's okay. So you can still have him nominated. This is that we have to do a different way. So we nominate your legal personal representative, so we tick the LPR box. And it means if you were to pass away, your super and your wife benefit just get paid to your estate, and then you just need to make sure you have a will done up. That's all. So he can still receive the money. It's just that we can't name him directly on those funds, so we have to name him via your estate or via your will. If you like, if you're comfortable, we can actually tick the box for LPR for you and help pre fill the form. And that way, you can just have it signed and witnessed by a friend. And then if you like, we can also send through some information on a local solicitor here on the Gold Coast. They have they're fine to do things by email and phone as well if you're, you know, because you're in WA. But we can always send that information through to you to kinda help looking at getting a will drawn up to make sure everything is set up correctly. Yeah. Beautiful. Are you comfortable with us because you want your brother nominated? Are you comfortable with us ticking the legal personal representative box on the beneficiary for you to help you out? Yep. Beautiful. Yeah. And you want a 100% of it all paid through to your estate to to be paid to your brother? Yep. Beautiful. Well, I'll yeah. Perfect. Oh, good. Well, if you like, what I'll do is I'll drop an email after the call. It'll have the information there for the local solicitor and a bit of a price as to how much it costs to do your will through them as well. We'll send that through to you so you have that information, and we'll I'll get my team to pre fill that beneficiary nomination for you. Did you want that emailed or posted or both? What would be the best way to get that nomination? Email? Yep. Beautiful. Yeah. Absolutely. Not a problem. We'll get that, prefilled and help you out, send it out to you via email. And if you have any questions, you're welcome to let me know. We'll help you as best we can. Okay? Yeah. It's okay. Now with your TBD, so total common disability cover, you have the same level of benefit as your life. Are you comfortable keeping the benefit the same, or did you wanna review the benefit amount? The same. Yep. Twelve months? Yep. Yeah. Absolutely. No. Yeah. No. That's okay. That's not a problem at all. Income protection based on your income, I have you earning about a 120,000. Is that fairly accurate for where you are at the moment? Yeah. Yep. That's okay. With the level of benefit you do have for the income protection, it does show you're a little bit underinsured at the moment. So with income protection, you can be covered up to seven 70% of your current income, which may mean that you'd need to have a monthly benefit of about 7,000 per month. Your monthly benefit's about 5,632. Obviously, that's a gross benefit as well, so income tax is in play with that. So if you do receive your monthly benefit, you also pay income tax on that as well. But did you wanna review the income protection, maybe increase that, or do you think that level of benefit's fine? Yeah. Yeah. Absolutely. When we we were we're we're sorry. I'll start again. I was so sorry. Getting hung tied. When we applied for that initially, we would have gone through and done an application with you. Are there any changes to your health that we might need to maybe take into account from that application, or do you think everything should be still the same? Yep. Beautiful. What I'll do is I'll go back and have a look at the application. I'll have a look at increasing that income protection policy for you. Did you want us to maybe just send out a quote to you to have a look at, or are you happy with me just maybe updating the advice to recommend the increase for you and show you the the effect of that? Yep. Yep. Beautiful. Lovely. And the other thing I was having a look at, I know with your super, you are invested in a a managed fund within there. It has been working really well. As mentioned, you've got that lovely good return. There's a positive return for the past twelve months there. What I'll do is I'll just go back and have a bit of a review of that for you to make sure that is invested in line with you know, the funds are invested in line with your risk profile to see if we maybe need to make any changes there. Did you want me to kinda review the managed fund for you as well, make sure it's invested in the best thing possible that it's working harder? Yep. Yep. Beautiful. Another thing I probably could also put look for you is we've actually set up so you've got this one managed fund, which essentially, when you look at your hub 24, you see the I shares aggressive enhanced index fund. We actually have our own managed fund or separately managed account, which we could always look at putting you into. It's a very similar thing. It's generally a low cost fund, and it basically means that within having these managed funds, if there are changes that need to happen to the portfolio or changes that are occurring in the world generally that we need to update the investments to align with market conditions, we can do so. Did you want me to have a look at our separately managed account to see if that could provide greater benefit for you in getting you super working harder, or what would you Yeah. Yep. That's okay. One of the that's okay. I'm more than happy to go back and have a look at those managed funds for you. If there's no need to provide advice, we'll we'll make sure we don't do so. But if there's a chance that the newer that our managed fund could be providing a greater benefit or might have a greater benefit for you, I could always show you that recommendation and show you what it looks like, and then you get to decide whether you take it or not. Yeah. Yeah. Absolutely. And, look, if I go back into the research and come back and go, look, your CGT costs are gonna be high or, you know, it's not worth moving you right now. We can come back and look at it down the track. But, yeah, you know, you've got me here to do that research for you, so you may as well use me to your full capacity. Beautiful. Beautiful. Yeah. Excellent. Now has anyone ever spoken to you about other types of insurances like trauma cover? Has anyone sort of brought that up with you before? No. Yeah. So trauma is a bit different to life TBD income protection. It tends to have a lump sum tax free benefit if you're, say, diagnosed with Parkinson's, you have a heart attack, a stroke, certain neurological conditions, or cancer is a big one as well. You can't pay for trauma inside Super. It is an out of pocket expense on a monthly basis for the cover. Did you wanna look at maybe getting a bit of trauma or having a look at what that might cost you, or are you happy to not look at it yet? Yeah. Absolutely. And, look, as much as these are a bit more of an expensive thing to sort of have, getting them now while you don't have any major health issues is always a benefit than trying to get it down the track when there are changes to your health. I can look at a quote for you to show you what it might cost if you were to maybe get, say, one or two years worth of income. How much trauma do you think you'd like to be covered for? Did did you want me to look at maybe two years worth of income to start with and see what the cost is, and I can send you the quote to show you? Yeah. Yeah. Absolutely. So what I'll do is I'll get the quote for these. I'll send them to you so you can have a look at them, and then we can always come back and have another conversation around what the level looks like, what the cost looks like. To be able to apply for them, I'll have to update the advice to show you and make sure it reflects. But I can just get a quote to start with, and then we can always come back and have a secondary conversation about the cost of it, what it looks like, and whether that's what you're after. Does that sound okay? Yep. Yep. Beautiful. Fantastic. I'll get that for you. I don't have any other assets noted here. Do you have any other personal loans or shares or any other, you know, tools of value that you'd note down on on the Fact Find at all? Yeah. Yeah. Beautiful. With your home and contents insurance, what do you have your contents valued at? If you remember. If you don't, that's okay. Yeah. Beautiful. Yeah. Absolutely. And when you think about it yeah. No. Absolutely. And when you think about contents, like, if you tipped your house upside down, everything fell out. That's considered content. So it is quite a difference, and it can add up pretty significantly if you had to replace all of that. Yeah. No. Yeah. Yeah. No. That's okay. That's not a problem at all. Well, if you like, what I'll do is I'll start by going back and have a look at the in the insurance side of things for you. I'll get some quotes done. I'll I'll go back and just review the investment that you're in. And then because it is quite a lot to go through today and you've got a lot going on there, we can come back and have another conversation in a couple of weeks and sort of see what you wanna do insurance wise, and we can talk about the investment a bit more. And then you can let me know what advice you wanna proceed with. Does that sound okay? Yeah. Beautiful. The last thing I wanted to do before I let you go is just to double check your risk profile as well. So just got a couple of questions to sort of ask you in relation to that. The first one here is have you ever invested in direct shares or managed funds in your own name in the past? Have you ever owned any shares at all? Yeah. No. That's okay. Yeah. Understandable. And so you still own those, though? Not much. No. Understand. Oh, you never know. It could always come back. No. Oh, good. Perfect. Well, I'll note that one down there for you. And the next question I have here is thinking about your super now I know your balance is quite lower that you are sort of building it at the moment, but if you were to say, you know, look at your super in the next sort of three to six or even twelve months and note it was down due to what was happening globally in the world. How do you think you might be feeling about that? Yep. Yep. That's okay. So you'd sort of just happily sit and wait, let it do its thing, and see what happens in another year or two's time? Yep. You do. Yeah. You've got a long time ahead of you there as it's a positive thing as well as, you know, a negative thing. We always look at it and go, wow. Thirty years is a long time away. A lot of years of working ahead of us, but at the same time, it's a really good thing because you are building your balance. We're starting off a bit lower, so you've got time to let it grow, which is a positive for you. Oh. Yeah. Beautiful. Do you when you consider your when you think about risk in your super, do you consider yourself comfortable taking on a higher level of risk to get greater returns? Do you think you put yourself in the middle there, or you're not wanting to take on much risk? How do you sort of see yourself? Yep. Yes. Yeah. Absolutely. And have you ever thought about borrowing money to invest in shares or manage funds, or would you only ever wanna borrow money for, say, property? Yeah. That's yeah. Absolutely. Have you been thinking about sort of future goals? Did you ever wanna look at maybe having investment properties in the future, or it's not something that sort of cost your mind? Yeah. Yeah. Yeah. No. Absolutely. Yeah. No. Absolutely. Perfect. Now we do have you in that sort of growth portfolio environment, and you've sort of scored in that same area. So that typically sees about 80% of your super invested in growth assets. This is in Australian shares as well as international shares, gold and silver, so some precious metals and also property in there as well. And then the other 20 yeah. And then the other 20% in low risk defensive investments, things like cash, bonds, and fixed interest, having a mix of both of those asset classes does kinda give you a diversified mix of, you know, lowering your overall risk and helping to sorta get good gains where you you know, with where you're heading to. Those growth assets are where you take on a bit more risk, so you're wanting to get greater returns out of those. That is where we have you. It's where you've scored, and it does suit someone who has at least six years before they're wanting to access their super. You're sort of chasing returns of around about sort of seven to 9% on a yearly basis there, and the likelihood of a negative return is expected kind of one in every five years. Are you fairly comfortable in that sort of environment just remaining in that growth environment? Or yep. Yeah. Yeah. Absolutely. Perfect. Not a problem at all. Well, what I'll do is I'll go back and do a little bit of research there for you. We'll come back in just a couple of weeks and have a bit of a conversation. Once I've got the quotes ready to go, we can talk about the level the cover levels and how much they're looking to cost, and I'll do a bit of research around that managed fund for you as well to see what the asset allocation is and see if you're, you know, invested in line with where you should be. And if we need to make any changes, we can come back and have that conversation, talk about what you're after, what advice you want, and then you can let me know how you want me to proceed there. Okay? Excellent. Now after the call, you will get your annual review packet. It does have in there the updated information, your super balance, the level of cover that you have currently, how much you are paying for those. It's also got your internal rate of return, the portfolio report showing everything we've gone through today with regard to how you performed. It does also have in there our financial services guide, which outlines everything about who we are, what we do, how we do it, has all my licensing information as a licensed adviser for you as well. We also have in there our ongoing service agreement. So as an ongoing client, we wanna make sure we're providing advice and updating advice that's working towards your goals because we're here to look after your super and help help you meet those goals long term. With with regards to the goals, sir, do you think you're wanting to hopefully retire around about 60, or do you think you'd probably work a bit longer? What's your kinda goal retirement? Yeah. So you can't actually act yeah. So you you can't actually access super to the age of 60 at the moment. That's the earliest you can sorta access super. We can definitely look at helping and providing advice on building wealth outside of super, whether that be, know, building investment portfolios and diverting money into other areas to make sure you can retire at the age of 50. But currently, 60 is the earliest I would be able to work on for you for your super. You're comfortable with me just noting 60 and kind of working towards that at the moment? Yeah. Yeah. Beautiful. Do you yeah. Absolutely. Do you have any other goals that you're looking to achieve in the next sort of one to two or even five years? Okay. Yep. Yeah. Absolutely. No. Yeah. Yeah. Definitely. No. Fantastic. Well, we can definitely help. And when you are ready for that, let me know. We can look at whether we provide advice from that or refer you to a mortgage broker to assist with the purchase. Yep. Yeah. Just give us a call on the same number. Right. Yeah. Yeah. So we can provide advice around what to do with the funds that you do get back. If it's more around your tax return, we don't do your tax return for you. It's more of an accountant thing. Did you want us to put you in touch with an accountant, or have you got one that you're comfortable using? Or yeah. Okay. Yeah. Did you want us to maybe put you in touch with an accountant to have a chat about what they can offer and how much they charge their services? Yep. Yeah. Yeah. Absolutely. Well, in the email, I can have the information on the account. And if you're happy if you would like to give them a call, if you decide you want us to put you in touch with them, just let me know. We can always do a referral email through to them and get them to contact you. But I'll start by just sending you their information. You can look at what you'd like to do and let me know how you wanna move forward there. Okay? Beautiful. Easy. As I kinda mentioned, we also have the ongoing service agreement attached there. So that does note that you do pay us an ongoing service fee for looking after your super and all the work we do in the back end for you. You do pay 1.65% per annum, and that is basically a percentage basis a year. So with your ongoing service fee, it comes out of your super on in smaller monthly increments, and it is linked to the performance of your super. So our fee as a percentage does fluctuate with the market depending on, you know, what happens there. It means that when your super is doing really well and you've got a good return, our fee will increase with it. However, at times, the markets do take a bit of a dip. It does mean that our fee would decrease there with it, and paying the ongoing service agreement also means that we're giving you the advice and updating the advice free of charge. Okay? Yeah. Perfect. Well, I'll send those documents out to you. If you can just sign the ongoing service agreement, send it back there for me. There may be some other additional documents. We do also have a tax file opt in form, just letting you know that we do hold your tax phone number because we set you safe for us and your insurances. So we'd like to make sure you're aware of the information we hold on you. So we'll get you to sign sign and return that back as well. And then there'll just be some other, you know, additional documents for you to run your eyes over as well, like the financial services guide. Okay? Easy. Have I kinda touched on everything you wanted to touch on today? Is there anything additional you wanted me to or needed to ask while you have me here at all? Yeah. Yes. Yeah. Absolutely. Oh, perfect. Well, thank you so much. I'll get those emails out to you shortly. And if you do have any questions, you're welcome to let me know. Okay? Thanks so much. I'll talk soon. See you later. 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Alisa. It's Dana from Okey Financial. How are you? Sounds good. I had to book in to go through an annual review now.\n\nIs now still a good time there for you? Yeah. All good. Do you guys get that public holiday over in WA at all? Yeah.\n\nOh, that's nice. Unfortunately, here in Queensland, we don't. So, hopefully, you're enjoying it. No. Nice.\n\nNice. All good. And before we jump into the call with the annual review, I just need to let you know we do record our calls for quality and training purposes. Moving forward, are you happy and comfortable for me to do that for you? Fantastic.\n\nAnd just to do security there as well, we are discussing your personal information. I'll just get you to confirm your full name, your address, and date of birth I should have on file. Yep. Yep. Beautiful.\n\nThank you so much for that. What I'll do for you to make it easier, because I know you are working, is I'll go through. We'll have a chat about your annual review. I'll give you a bit of an update on everything there. And then after the call, I'll send through your annual review pack for you to have a look at and to sign a return back for us.\n\nOkay? Fantastic. Firstly, Elsa, before we jump into the call and run through everything, is there anything particular you wanted me to kind of touch base on or any questions you might have for me here at the moment? Yeah. All good.\n\nDo you happen to log in and have a look at your super very often, or have you been avoiding it? Yeah. Yeah. Yep. Yep.\n\nNo. That's okay. Yeah. Absolutely. And how's everything been since you had all that dental work?\n\nHas everything calmed down? You recovered nicely? Yep. Yeah. Yeah.\n\nYeah. Abs absolutely. Well, hopefully, the recovery continues good and all okay. I'll give you a bit of an update on your super there. So having a look, even though there's a lot going on at the world at the moment, your balance last year at this time last year was about $34,005.05 6, and then so your balance now, we've got about 40,040 thousand and 99 in there.\n\nSo you have gone up. You've had about an 18% return. Earnings wise, it does equate to about bit over $6,000 for the year. So your balance has increased on this time last year, which is good. You're still getting that additional growth in there.\n\nAnd as as you said, you're building things back up a bit. So with the contributions going in from work and, obviously, the growth that we are getting there as well, that'll continue to compound, and we'll certainly keep monitoring things there for you. But to come out with everything that's been going on, you've still got a positive result at the end of the twelve months, so it is really good to see. Okay? Fantastic.\n\nI can also see here with the contributions. You're getting contributions from a few different places over the past few months there. Are you technically a contractor? Or yeah. Yeah.\n\nYeah. Okay. Yeah. Beautiful. I mean, we're having a look at the contributions.\n\nThey're all pretty consistent. So you seem to be getting you know, finishing one job and starting the next one fairly quickly, which is great to see. You're fairly constant with the role you're getting. Oh, that's fantastic. No.\n\nWell, hopefully, it all continues. If anything does come up, let me know. Because you are kind of moving between different roles in a regular basis with jobs ending and contracts ending and things like that, Are you happy just with your employer contributions going in? Did you wanna look at maybe adding additional contributions outside of what your employers do put in, or you just wanna wait and see? What's your thoughts there?\n\nYep. Yeah. Yeah. Absolutely. Is there an amount that you'd be comfortable sort of putting in out of your week or fortnightly pay, or did you want us to sort of have a look at what's more beneficial?\n\nYeah. Yeah. Yeah. Blockuates heavily. Yeah.\n\nYep. Yeah. That's okay. Yeah. Did you the other option is we can always look at maybe attaching base around about sort of June, having a look at what your contributions are that have gone in, what you might have left over in savings, and what you might wanna be comfortable with putting in as maybe a lump sum and how that might benefit you.\n\nDid you wanna maybe hold off until early June, and we can maybe look into financial year for you depending also what your hours are and what your work is? Yep. Yeah. Perfect. No worries.\n\nNot a worry at all. I'll put a catch up in the calendar for the early June. I'll get my team to give you a call then, and we can have a chat about the additional contributions. Yep. Fantastic.\n\nExcellent. Excellent. I also just wanted to sort of go through your insurances with you as well. I know you are very time poor. You've got a lot going on there at the moment.\n\nWith your current insurance policy, you've got your life, your TPD with one pass there. The current sum insured for those is 708,750. I'm sort of looking at where you are with your assets so that I can see you've got your main primary residence in the motor vehicle noted down with the only debt I can see is about 320,000. Is that fairly accurate? Yeah.\n\nPerfect. Perfect. Yep. Excellent. So we'll say 300 thousand there.\n\nOkay. Alright. Yep. Beautiful. So you're all about 2 to 2 and a half thousand on that one.\n\nYep. Beautiful. On that one. Excellent. So that'll be fully cleared very shortly.\n\nLovely. Well, when you do look at your life and TBD there, I mean, if anything was to happen, you were to pass away, your life benefit pays at, obviously, at $708,007.50, plus your super can be paid out on top of that, which could clear the mortgage completely debt free, and then the rest of the funds can be left to your beneficiaries there. Are you fairly comfortable with the life benefit you have? Did you wanna look at altering that in any way, shape, or form? Let's have a look for you.\n\nI actually don't think I have anyone. I know with your super, having a look at the beneficiary, we don't have anyone noted. So I did wanna definitely talk to you about who you would like as your beneficiary in the event of passing away for your life cover and your HUB 24. Who would you like to have it all left to? Yeah.\n\nYep. Yep. Yep. Yep. Abs absolutely.\n\nYeah. So I've got your brother Tim down as your next of kin here. So he is who you'd wanna leave that benefit to? Yep. Yeah.\n\nThat's okay. So the restrictions are around leaving a beneficiary on super annual life policy. Yeah. They have to meet a certain criteria. So, technically, a brother isn't fitting in that criteria to be a beneficiary.\n\nSo what we sort of suggested on the beneficiary nomination, you have it set to your legal personal representative. And that means in the event of passing, everything gets paid to your estate, and then it's just important that you have an updated will. And in that will, you make the reflection there that you wanted everything to be paid out to your brother, Tim. Yeah. Have you ever had a will drawn up?\n\nOr I can see here I don't have anything sort of noted here from the past. That's all. Yeah. Yeah. No.\n\nThat's okay. Yeah. That that's okay. Well, we'll definitely send out the beneficiary nominations to have those completed. Are you did you want us to maybe tick the box for legal personal representative and help fill the format?\n\nAre you comfortable if we no. No. Well, you definitely can leave it to your brother. It's just that when it comes to the superannuation legislation for your life and your super, in order to have a beneficiary, the beneficiary to be nominated directly has to be your spouse, a child, someone who has an interdependent relationship with you or relies on you financially. So because your brother doesn't fit in with that category, he can't be nominated to your super or your life policy by name, but he can no.\n\nYeah. That's okay. So you can still have him nominated. This is that we have to do a different way. So we nominate your legal personal representative, so we tick the LPR box.\n\nAnd it means if you were to pass away, your super and your wife benefit just get paid to your estate, and then you just need to make sure you have a will done up. That's all. So he can still receive the money. It's just that we can't name him directly on those funds, so we have to name him via your estate or via your will. If you like, if you're comfortable, we can actually tick the box for LPR for you and help pre fill the form.\n\nAnd that way, you can just have it signed and witnessed by a friend. And then if you like, we can also send through some information on a local solicitor here on the Gold Coast. They have they're fine to do things by email and phone as well if you're, you know, because you're in WA. But we can always send that information through to you to kinda help looking at getting a will drawn up to make sure everything is set up correctly. Yeah.\n\nBeautiful. Are you comfortable with us because you want your brother nominated? Are you comfortable with us ticking the legal personal representative box on the beneficiary for you to help you out? Yep. Beautiful.\n\nYeah. And you want a 100% of it all paid through to your estate to to be paid to your brother? Yep. Beautiful. Well, I'll yeah.\n\nPerfect. Oh, good. Well, if you like, what I'll do is I'll drop an email after the call. It'll have the information there for the local solicitor and a bit of a price as to how much it costs to do your will through them as well. We'll send that through to you so you have that information, and we'll I'll get my team to pre fill that beneficiary nomination for you.\n\nDid you want that emailed or posted or both? What would be the best way to get that nomination? Email? Yep. Beautiful.\n\nYeah. Absolutely. Not a problem. We'll get that, prefilled and help you out, send it out to you via email. And if you have any questions, you're welcome to let me know.\n\nWe'll help you as best we can. Okay? Yeah. It's okay. Now with your TBD, so total common disability cover, you have the same level of benefit as your life.\n\nAre you comfortable keeping the benefit the same, or did you wanna review the benefit amount? The same. Yep. Twelve months? Yep.\n\nYeah. Absolutely. No. Yeah. No.\n\nThat's okay. That's not a problem at all. Income protection based on your income, I have you earning about a 120,000. Is that fairly accurate for where you are at the moment? Yeah.\n\nYep. That's okay. With the level of benefit you do have for the income protection, it does show you're a little bit underinsured at the moment. So with income protection, you can be covered up to seven 70% of your current income, which may mean that you'd need to have a monthly benefit of about 7,000 per month. Your monthly benefit's about 5,632.\n\nObviously, that's a gross benefit as well, so income tax is in play with that. So if you do receive your monthly benefit, you also pay income tax on that as well. But did you wanna review the income protection, maybe increase that, or do you think that level of benefit's fine? Yeah. Yeah.\n\nAbsolutely. When we we were we're we're sorry. I'll start again. I was so sorry. Getting hung tied.\n\nWhen we applied for that initially, we would have gone through and done an application with you. Are there any changes to your health that we might need to maybe take into account from that application, or do you think everything should be still the same? Yep. Beautiful. What I'll do is I'll go back and have a look at the application.\n\nI'll have a look at increasing that income protection policy for you. Did you want us to maybe just send out a quote to you to have a look at, or are you happy with me just maybe updating the advice to recommend the increase for you and show you the the effect of that? Yep. Yep. Beautiful.\n\nLovely. And the other thing I was having a look at, I know with your super, you are invested in a a managed fund within there. It has been working really well. As mentioned, you've got that lovely good return. There's a positive return for the past twelve months there.\n\nWhat I'll do is I'll just go back and have a bit of a review of that for you to make sure that is invested in line with you know, the funds are invested in line with your risk profile to see if we maybe need to make any changes there. Did you want me to kinda review the managed fund for you as well, make sure it's invested in the best thing possible that it's working harder? Yep. Yep. Beautiful.\n\nAnother thing I probably could also put look for you is we've actually set up so you've got this one managed fund, which essentially, when you look at your hub 24, you see the I shares aggressive enhanced index fund. We actually have our own managed fund or separately managed account, which we could always look at putting you into. It's a very similar thing. It's generally a low cost fund, and it basically means that within having these managed funds, if there are changes that need to happen to the portfolio or changes that are occurring in the world generally that we need to update the investments to align with market conditions, we can do so. Did you want me to have a look at our separately managed account to see if that could provide greater benefit for you in getting you super working harder, or what would you Yeah.\n\nYep. That's okay. One of the that's okay. I'm more than happy to go back and have a look at those managed funds for you. If there's no need to provide advice, we'll we'll make sure we don't do so.\n\nBut if there's a chance that the newer that our managed fund could be providing a greater benefit or might have a greater benefit for you, I could always show you that recommendation and show you what it looks like, and then you get to decide whether you take it or not. Yeah. Yeah. Absolutely. And, look, if I go back into the research and come back and go, look, your CGT costs are gonna be high or, you know, it's not worth moving you right now.\n\nWe can come back and look at it down the track. But, yeah, you know, you've got me here to do that research for you, so you may as well use me to your full capacity. Beautiful. Beautiful. Yeah.\n\nExcellent. Now has anyone ever spoken to you about other types of insurances like trauma cover? Has anyone sort of brought that up with you before? No. Yeah.\n\nSo trauma is a bit different to life TBD income protection. It tends to have a lump sum tax free benefit if you're, say, diagnosed with Parkinson's, you have a heart attack, a stroke, certain neurological conditions, or cancer is a big one as well. You can't pay for trauma inside Super. It is an out of pocket expense on a monthly basis for the cover. Did you wanna look at maybe getting a bit of trauma or having a look at what that might cost you, or are you happy to not look at it yet?\n\nYeah. Absolutely. And, look, as much as these are a bit more of an expensive thing to sort of have, getting them now while you don't have any major health issues is always a benefit than trying to get it down the track when there are changes to your health. I can look at a quote for you to show you what it might cost if you were to maybe get, say, one or two years worth of income. How much trauma do you think you'd like to be covered for?\n\nDid did you want me to look at maybe two years worth of income to start with and see what the cost is, and I can send you the quote to show you? Yeah. Yeah. Absolutely. So what I'll do is I'll get the quote for these.\n\nI'll send them to you so you can have a look at them, and then we can always come back and have another conversation around what the level looks like, what the cost looks like. To be able to apply for them, I'll have to update the advice to show you and make sure it reflects. But I can just get a quote to start with, and then we can always come back and have a secondary conversation about the cost of it, what it looks like, and whether that's what you're after. Does that sound okay? Yep.\n\nYep. Beautiful. Fantastic. I'll get that for you. I don't have any other assets noted here.\n\nDo you have any other personal loans or shares or any other, you know, tools of value that you'd note down on on the Fact Find at all? Yeah. Yeah. Beautiful. With your home and contents insurance, what do you have your contents valued at?\n\nIf you remember. If you don't, that's okay. Yeah. Beautiful. Yeah.\n\nAbsolutely. And when you think about it yeah. No. Absolutely. And when you think about contents, like, if you tipped your house upside down, everything fell out.\n\nThat's considered content. So it is quite a difference, and it can add up pretty significantly if you had to replace all of that. Yeah. No. Yeah.\n\nYeah. No. That's okay. That's not a problem at all. Well, if you like, what I'll do is I'll start by going back and have a look at the in the insurance side of things for you.\n\nI'll get some quotes done. I'll I'll go back and just review the investment that you're in. And then because it is quite a lot to go through today and you've got a lot going on there, we can come back and have another conversation in a couple of weeks and sort of see what you wanna do insurance wise, and we can talk about the investment a bit more. And then you can let me know what advice you wanna proceed with. Does that sound okay?\n\nYeah. Beautiful. The last thing I wanted to do before I let you go is just to double check your risk profile as well. So just got a couple of questions to sort of ask you in relation to that. The first one here is have you ever invested in direct shares or managed funds in your own name in the past?\n\nHave you ever owned any shares at all? Yeah. No. That's okay. Yeah.\n\nUnderstandable. And so you still own those, though? Not much. No. Understand.\n\nOh, you never know. It could always come back. No. Oh, good. Perfect.\n\nWell, I'll note that one down there for you. And the next question I have here is thinking about your super now I know your balance is quite lower that you are sort of building it at the moment, but if you were to say, you know, look at your super in the next sort of three to six or even twelve months and note it was down due to what was happening globally in the world. How do you think you might be feeling about that? Yep. Yep.\n\nThat's okay. So you'd sort of just happily sit and wait, let it do its thing, and see what happens in another year or two's time? Yep. You do. Yeah.\n\nYou've got a long time ahead of you there as it's a positive thing as well as, you know, a negative thing. We always look at it and go, wow. Thirty years is a long time away. A lot of years of working ahead of us, but at the same time, it's a really good thing because you are building your balance. We're starting off a bit lower, so you've got time to let it grow, which is a positive for you.\n\nOh. Yeah. Beautiful. Do you when you consider your when you think about risk in your super, do you consider yourself comfortable taking on a higher level of risk to get greater returns? Do you think you put yourself in the middle there, or you're not wanting to take on much risk?\n\nHow do you sort of see yourself? Yep. Yes. Yeah. Absolutely.\n\nAnd have you ever thought about borrowing money to invest in shares or manage funds, or would you only ever wanna borrow money for, say, property? Yeah. That's yeah. Absolutely. Have you been thinking about sort of future goals?\n\nDid you ever wanna look at maybe having investment properties in the future, or it's not something that sort of cost your mind? Yeah. Yeah. Yeah. No.\n\nAbsolutely. Yeah. No. Absolutely. Perfect.\n\nNow we do have you in that sort of growth portfolio environment, and you've sort of scored in that same area. So that typically sees about 80% of your super invested in growth assets. This is in Australian shares as well as international shares, gold and silver, so some precious metals and also property in there as well. And then the other 20 yeah. And then the other 20% in low risk defensive investments, things like cash, bonds, and fixed interest, having a mix of both of those asset classes does kinda give you a diversified mix of, you know, lowering your overall risk and helping to sorta get good gains where you you know, with where you're heading to.\n\nThose growth assets are where you take on a bit more risk, so you're wanting to get greater returns out of those. That is where we have you. It's where you've scored, and it does suit someone who has at least six years before they're wanting to access their super. You're sort of chasing returns of around about sort of seven to 9% on a yearly basis there, and the likelihood of a negative return is expected kind of one in every five years. Are you fairly comfortable in that sort of environment just remaining in that growth environment?\n\nOr yep. Yeah. Yeah. Absolutely. Perfect.\n\nNot a problem at all. Well, what I'll do is I'll go back and do a little bit of research there for you. We'll come back in just a couple of weeks and have a bit of a conversation. Once I've got the quotes ready to go, we can talk about the level the cover levels and how much they're looking to cost, and I'll do a bit of research around that managed fund for you as well to see what the asset allocation is and see if you're, you know, invested in line with where you should be. And if we need to make any changes, we can come back and have that conversation, talk about what you're after, what advice you want, and then you can let me know how you want me to proceed there.\n\nOkay? Excellent. Now after the call, you will get your annual review packet. It does have in there the updated information, your super balance, the level of cover that you have currently, how much you are paying for those. It's also got your internal rate of return, the portfolio report showing everything we've gone through today with regard to how you performed.\n\nIt does also have in there our financial services guide, which outlines everything about who we are, what we do, how we do it, has all my licensing information as a licensed adviser for you as well. We also have in there our ongoing service agreement. So as an ongoing client, we wanna make sure we're providing advice and updating advice that's working towards your goals because we're here to look after your super and help help you meet those goals long term. With with regards to the goals, sir, do you think you're wanting to hopefully retire around about 60, or do you think you'd probably work a bit longer? What's your kinda goal retirement?\n\nYeah. So you can't actually act yeah. So you you can't actually access super to the age of 60 at the moment. That's the earliest you can sorta access super. We can definitely look at helping and providing advice on building wealth outside of super, whether that be, know, building investment portfolios and diverting money into other areas to make sure you can retire at the age of 50.\n\nBut currently, 60 is the earliest I would be able to work on for you for your super. You're comfortable with me just noting 60 and kind of working towards that at the moment? Yeah. Yeah. Beautiful.\n\nDo you yeah. Absolutely. Do you have any other goals that you're looking to achieve in the next sort of one to two or even five years? Okay. Yep.\n\nYeah. Absolutely. No. Yeah. Yeah.\n\nDefinitely. No. Fantastic. Well, we can definitely help. And when you are ready for that, let me know.\n\nWe can look at whether we provide advice from that or refer you to a mortgage broker to assist with the purchase. Yep. Yeah. Just give us a call on the same number. Right.\n\nYeah. Yeah. So we can provide advice around what to do with the funds that you do get back. If it's more around your tax return, we don't do your tax return for you. It's more of an accountant thing.\n\nDid you want us to put you in touch with an accountant, or have you got one that you're comfortable using? Or yeah. Okay. Yeah. Did you want us to maybe put you in touch with an accountant to have a chat about what they can offer and how much they charge their services?\n\nYep. Yeah. Yeah. Absolutely. Well, in the email, I can have the information on the account.\n\nAnd if you're happy if you would like to give them a call, if you decide you want us to put you in touch with them, just let me know. We can always do a referral email through to them and get them to contact you. But I'll start by just sending you their information. You can look at what you'd like to do and let me know how you wanna move forward there. Okay?\n\nBeautiful. Easy. As I kinda mentioned, we also have the ongoing service agreement attached there. So that does note that you do pay us an ongoing service fee for looking after your super and all the work we do in the back end for you. You do pay 1.65% per annum, and that is basically a percentage basis a year.\n\nSo with your ongoing service fee, it comes out of your super on in smaller monthly increments, and it is linked to the performance of your super. So our fee as a percentage does fluctuate with the market depending on, you know, what happens there. It means that when your super is doing really well and you've got a good return, our fee will increase with it. However, at times, the markets do take a bit of a dip. It does mean that our fee would decrease there with it, and paying the ongoing service agreement also means that we're giving you the advice and updating the advice free of charge.\n\nOkay? Yeah. Perfect. Well, I'll send those documents out to you. If you can just sign the ongoing service agreement, send it back there for me.\n\nThere may be some other additional documents. We do also have a tax file opt in form, just letting you know that we do hold your tax phone number because we set you safe for us and your insurances. So we'd like to make sure you're aware of the information we hold on you. So we'll get you to sign sign and return that back as well. And then there'll just be some other, you know, additional documents for you to run your eyes over as well, like the financial services guide.\n\nOkay? Easy. Have I kinda touched on everything you wanted to touch on today? Is there anything additional you wanted me to or needed to ask while you have me here at all? Yeah.\n\nYes. Yeah. Absolutely. Oh, perfect. Well, thank you so much.\n\nI'll get those emails out to you shortly. And if you do have any questions, you're welcome to let me know. Okay? Thanks so much. I'll talk soon.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Alisa.","start":1.76,"end":2.56,"sentiment":"neutral","sentiment_score":0.1381036527454853},{"text":"It's Dana from Okey Financial.","start":2.56,"end":4.08,"sentiment":"neutral","sentiment_score":0.24042125940322875},{"text":"How are you?","start":4.08,"end":4.98,"sentiment":"neutral","sentiment_score":0.22785765926043192},{"text":"Sounds good.","start":6.64,"end":7.2,"sentiment":"positive","sentiment_score":0.7018256783485413},{"text":"I had to book in to go through an annual review now.","start":7.2,"end":9.44,"sentiment":"neutral","sentiment_score":0.310832466930151}],"sentiment":"neutral","sentiment_score":0.30398031417280436,"num_words":24,"start":1.76,"end":9.44},{"sentences":[{"text":"Is now still a good time there for you?","start":9.44,"end":11.38,"sentiment":"neutral","sentiment_score":0.32310953074031407},{"text":"Yeah.","start":13.684999,"end":13.925,"sentiment":"neutral","sentiment_score":0.22697654366493225},{"text":"All good.","start":13.925,"end":14.405,"sentiment":"neutral","sentiment_score":0.3314003050327301},{"text":"Do you guys get that public holiday over in WA at all?","start":14.405,"end":18.025,"sentiment":"neutral","sentiment_score":0.049406769375006356},{"text":"Yeah.","start":20.485,"end":20.885,"sentiment":"neutral","sentiment_score":0.12925736606121063}],"sentiment":"neutral","sentiment_score":0.18079606115818023,"num_words":25,"start":9.44,"end":20.885},{"sentences":[{"text":"Oh, that's nice.","start":20.885,"end":21.865,"sentiment":"neutral","sentiment_score":0.280846044421196},{"text":"Unfortunately, here in Queensland, we don't.","start":22.005,"end":24.085,"sentiment":"neutral","sentiment_score":-0.06333532370626926},{"text":"So, hopefully, you're enjoying it.","start":24.085,"end":25.945,"sentiment":"neutral","sentiment_score":0.23380820453166962},{"text":"No.","start":30.32,"end":30.82,"sentiment":"neutral","sentiment_score":0.11180450022220612},{"text":"Nice.","start":31.52,"end":31.92,"sentiment":"neutral","sentiment_score":0.19935297966003415}],"sentiment":"neutral","sentiment_score":0.12142029334791005,"num_words":16,"start":20.885,"end":31.92},{"sentences":[{"text":"Nice.","start":31.92,"end":32.42,"sentiment":"neutral","sentiment_score":0.22843630611896515},{"text":"All good.","start":33.760002,"end":34.4,"sentiment":"neutral","sentiment_score":0.28096890449523926},{"text":"And before we jump into the call with the annual review, I just need to let you know we do record our calls for quality and training purposes.","start":34.4,"end":39.84,"sentiment":"neutral","sentiment_score":0.08838908706924745},{"text":"Moving forward, are you happy and comfortable for me to do that for you?","start":39.84,"end":42.615,"sentiment":"neutral","sentiment_score":0.16884090911064828},{"text":"Fantastic.","start":44.375,"end":44.875,"sentiment":"positive","sentiment_score":0.5590912103652954}],"sentiment":"neutral","sentiment_score":0.1345246193687553,"num_words":46,"start":31.92,"end":44.875},{"sentences":[{"text":"And just to do security there as well, we are discussing your personal information.","start":44.935,"end":48.215,"sentiment":"neutral","sentiment_score":0.1988479005438941},{"text":"I'll just get you to confirm your full name, your address, and date of birth I should have on file.","start":48.215,"end":52.155003,"sentiment":"neutral","sentiment_score":0.1254836108535528},{"text":"Yep.","start":55.255,"end":55.59,"sentiment":"neutral","sentiment_score":0.01703886315226555},{"text":"Yep.","start":57.51,"end":58.01,"sentiment":"neutral","sentiment_score":0.028451692312955856},{"text":"Beautiful.","start":59.43,"end":59.93,"sentiment":"positive","sentiment_score":0.474206417798996}],"sentiment":"neutral","sentiment_score":0.15711458913377813,"num_words":37,"start":44.935,"end":59.93},{"sentences":[{"text":"Thank you so much for that.","start":60.39,"end":62.010002,"sentiment":"positive","sentiment_score":0.6126125355561575},{"text":"What I'll do for you to make it easier, because I know you are working, is I'll go through.","start":62.15,"end":65.35,"sentiment":"positive","sentiment_score":0.34747390527474253},{"text":"We'll have a chat about your annual 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form?","start":436.22,"end":439.095,"sentiment":"neutral","sentiment_score":0.02956543261042008},{"text":"Let's have a look for you.","start":443.715,"end":445.255,"sentiment":"neutral","sentiment_score":0.007199169951491058}],"sentiment":"neutral","sentiment_score":0.09173388822014107,"num_words":94,"start":414.285,"end":445.255},{"sentences":[{"text":"I actually don't think I have anyone.","start":447.715,"end":450.035,"sentiment":"neutral","sentiment_score":-0.14736683879579818},{"text":"I know with your super, having a look at the beneficiary, we don't have anyone noted.","start":450.035,"end":454.63,"sentiment":"neutral","sentiment_score":-0.06644946662709117},{"text":"So I did wanna definitely talk to you about who you would like as your beneficiary in the event of passing away for your life cover and your HUB 24.","start":455.73,"end":462.94998,"sentiment":"neutral","sentiment_score":0.05307980825503667},{"text":"Who would you like to have it all left 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to?","start":490.78,"end":493.43997,"sentiment":"neutral","sentiment_score":0.024864443764090537},{"text":"Yep.","start":495.36502,"end":495.605,"sentiment":"neutral","sentiment_score":0.03965967893600464},{"text":"Yeah.","start":495.605,"end":495.845,"sentiment":"neutral","sentiment_score":0.06875181943178177}],"sentiment":"neutral","sentiment_score":0.04073202180174681,"num_words":26,"start":487.58,"end":495.845},{"sentences":[{"text":"That's okay.","start":495.845,"end":496.725,"sentiment":"neutral","sentiment_score":0.04402798542287201},{"text":"So the restrictions are around leaving a beneficiary on super annual life policy.","start":496.725,"end":500.885,"sentiment":"neutral","sentiment_score":-0.04293651019151394},{"text":"Yeah.","start":500.885,"end":501.125,"sentiment":"neutral","sentiment_score":-0.06379491090774536},{"text":"They have to meet a certain criteria.","start":501.125,"end":502.745,"sentiment":"neutral","sentiment_score":-0.10348277858325414},{"text":"So, technically, a brother isn't fitting in that criteria to be a beneficiary.","start":502.885,"end":506.42502,"sentiment":"neutral","sentiment_score":-0.1917386335822252}],"sentiment":"neutral","sentiment_score":-0.10419153497787192,"num_words":36,"start":495.845,"end":506.42502},{"sentences":[{"text":"So what we sort of suggested on the beneficiary nomination, you have it set to your legal personal representative.","start":506.725,"end":512.26,"sentiment":"neutral","sentiment_score":0.11543495011957068},{"text":"And that means in the event of passing, everything gets paid to your estate, and then it's just important that you have an updated will.","start":512.72,"end":519.06,"sentiment":"neutral","sentiment_score":0.15513885498046875},{"text":"And in that will, you make the reflection there that you wanted everything to be paid out to your brother, Tim.","start":519.215,"end":524.59503,"sentiment":"neutral","sentiment_score":0.19579605474358514},{"text":"Yeah.","start":526.335,"end":526.815,"sentiment":"neutral","sentiment_score":0.051170941442251205},{"text":"Have you ever had a will drawn up?","start":526.815,"end":528.735,"sentiment":"neutral","sentiment_score":0.0014574301894754171}],"sentiment":"neutral","sentiment_score":0.13846328323455276,"num_words":74,"start":506.725,"end":528.735},{"sentences":[{"text":"Or I can see here I don't have anything sort of noted here from the past.","start":528.735,"end":531.72,"sentiment":"neutral","sentiment_score":-0.058850881876423955},{"text":"That's all.","start":531.72,"end":535.89996,"sentiment":"neutral","sentiment_score":-0.14561713859438896},{"text":"Yeah.","start":537.39996,"end":537.89996,"sentiment":"neutral","sentiment_score":0.17184153199195862},{"text":"Yeah.","start":539.48,"end":539.98,"sentiment":"neutral","sentiment_score":-0.13093197345733645},{"text":"No.","start":543.16,"end":543.39996,"sentiment":"neutral","sentiment_score":-0.23158082365989685}],"sentiment":"neutral","sentiment_score":-0.0677866501112779,"num_words":21,"start":528.735,"end":543.39996},{"sentences":[{"text":"That's okay.","start":543.39996,"end":544.3,"sentiment":"neutral","sentiment_score":-0.2656368762254715},{"text":"Yeah.","start":545.79504,"end":546.195,"sentiment":"neutral","sentiment_score":-0.03557293862104416},{"text":"That that's okay.","start":546.195,"end":547.875,"sentiment":"neutral","sentiment_score":0.057435461630423866},{"text":"Well, we'll definitely send out the beneficiary nominations to have those completed.","start":547.875,"end":551.495,"sentiment":"positive","sentiment_score":0.4491649518410365},{"text":"Are you did you want us to maybe tick the box for legal personal representative and help fill the format?","start":552.115,"end":557.395,"sentiment":"neutral","sentiment_score":0.026013344805687667}],"sentiment":"neutral","sentiment_score":0.14515015821119673,"num_words":38,"start":543.39996,"end":557.395},{"sentences":[{"text":"Are you comfortable if we no.","start":557.395,"end":565.19995,"sentiment":"neutral","sentiment_score":-0.1471053883433342},{"text":"No.","start":565.19995,"end":565.43994,"sentiment":"neutral","sentiment_score":-0.17274117469787598},{"text":"Well, you definitely can leave it to your brother.","start":565.43994,"end":567.43994,"sentiment":"neutral","sentiment_score":-0.03461634864409765},{"text":"It's just that when it comes to the superannuation legislation for your life and your super, in order to have a beneficiary, the beneficiary to be nominated directly has to be your spouse, a child, someone who has an interdependent relationship with you or relies on you financially.","start":567.43994,"end":583.115,"sentiment":"neutral","sentiment_score":-0.06713983151469922},{"text":"So because your brother doesn't fit in with that category, he can't be nominated to your super or your life policy by name, but he can no.","start":583.815,"end":594.18,"sentiment":"neutral","sentiment_score":-0.16169237235078104}],"sentiment":"neutral","sentiment_score":-0.098410182513532,"num_words":91,"start":557.395,"end":594.18},{"sentences":[{"text":"Yeah.","start":594.72,"end":594.95996,"sentiment":"neutral","sentiment_score":0.07420435547828674},{"text":"That's okay.","start":594.95996,"end":595.68,"sentiment":"neutral","sentiment_score":0.18403209000825882},{"text":"So you can still have him nominated.","start":595.68,"end":597.36,"sentiment":"neutral","sentiment_score":0.1906152367591858},{"text":"This is that we have to do a different way.","start":597.36,"end":599.04,"sentiment":"neutral","sentiment_score":0.04451255463063717},{"text":"So we nominate your legal personal representative, so we tick the LPR box.","start":599.04,"end":603.505,"sentiment":"neutral","sentiment_score":0.0853406537610751}],"sentiment":"neutral","sentiment_score":0.1009433102427107,"num_words":33,"start":594.72,"end":603.505},{"sentences":[{"text":"And it means if you were to pass away, your super and your wife benefit just get paid to your estate, and then you just need to make sure you have a will done up.","start":603.505,"end":612.065,"sentiment":"neutral","sentiment_score":0.08038857621806009},{"text":"That's all.","start":612.065,"end":612.54,"sentiment":"neutral","sentiment_score":0.15009494125843048},{"text":"So he can still receive the money.","start":612.54,"end":614.22,"sentiment":"neutral","sentiment_score":0.19567758909293584},{"text":"It's just that we can't name him directly on those funds, so we have to name him via your estate or via your will.","start":614.22,"end":621.12,"sentiment":"neutral","sentiment_score":0.05196444100389878},{"text":"If you like, if you're comfortable, we can actually tick the box for LPR for you and help pre fill the form.","start":621.82,"end":628.0,"sentiment":"neutral","sentiment_score":0.10634516247294167}],"sentiment":"neutral","sentiment_score":0.0896697036921978,"num_words":90,"start":603.505,"end":628.0},{"sentences":[{"text":"And that way, you can just have it signed and witnessed by a friend.","start":628.225,"end":632.645,"sentiment":"neutral","sentiment_score":0.15300122701695987},{"text":"And then if you like, we can also send through some information on a local solicitor here on the Gold Coast.","start":633.185,"end":637.905,"sentiment":"neutral","sentiment_score":0.09255818313076383},{"text":"They have they're fine to do things by email and phone as well if you're, you know, because you're in WA.","start":637.905,"end":642.405,"sentiment":"neutral","sentiment_score":0.10639447080237525},{"text":"But we can always send that information through to you to kinda help looking at getting a will drawn up to make sure everything is set up correctly.","start":643.23,"end":651.09,"sentiment":"neutral","sentiment_score":0.11750946060887404},{"text":"Yeah.","start":654.11,"end":654.51,"sentiment":"positive","sentiment_score":0.35406243801116943}],"sentiment":"neutral","sentiment_score":0.11722764995168238,"num_words":85,"start":628.225,"end":654.51},{"sentences":[{"text":"Beautiful.","start":654.51,"end":655.01,"sentiment":"positive","sentiment_score":0.5399172902107239},{"text":"Are you comfortable with us because you want your brother nominated?","start":655.275,"end":658.075,"sentiment":"neutral","sentiment_score":0.19829072870991446},{"text":"Are you comfortable with us ticking the legal personal representative box on the beneficiary for you to help you out?","start":658.075,"end":663.775,"sentiment":"neutral","sentiment_score":0.10196584518998861},{"text":"Yep.","start":666.315,"end":666.715,"sentiment":"neutral","sentiment_score":0.28190892934799194},{"text":"Beautiful.","start":666.715,"end":667.215,"sentiment":"positive","sentiment_score":0.6270818710327148}],"sentiment":"neutral","sentiment_score":0.16674773559412537,"num_words":34,"start":654.51,"end":667.215},{"sentences":[{"text":"Yeah.","start":668.38,"end":668.7,"sentiment":"neutral","sentiment_score":0.19431492686271667},{"text":"And you want a 100% of it all paid through to your estate to to be paid to your brother?","start":668.7,"end":673.2,"sentiment":"neutral","sentiment_score":0.14179621040821075},{"text":"Yep.","start":674.94,"end":675.26,"sentiment":"neutral","sentiment_score":0.1011679619550705},{"text":"Beautiful.","start":675.26,"end":675.76,"sentiment":"neutral","sentiment_score":0.3296152949333191},{"text":"Well, I'll yeah.","start":675.9,"end":679.12,"sentiment":"neutral","sentiment_score":0.17712132384379706}],"sentiment":"neutral","sentiment_score":0.1535533216710274,"num_words":26,"start":668.38,"end":679.12},{"sentences":[{"text":"Perfect.","start":680.515,"end":681.015,"sentiment":"positive","sentiment_score":0.5335738658905029},{"text":"Oh, good.","start":681.075,"end":681.395,"sentiment":"neutral","sentiment_score":0.326639324426651},{"text":"Well, if you like, what I'll do is I'll drop an email after the call.","start":681.395,"end":684.115,"sentiment":"neutral","sentiment_score":0.08844247708717982},{"text":"It'll have the information there for the local solicitor and a bit of a price as to how much it costs to do your will through them as well.","start":684.115,"end":690.295,"sentiment":"neutral","sentiment_score":0.10091845100295954},{"text":"We'll send that through to you so you have that information, and we'll I'll get my team to pre fill that beneficiary nomination for you.","start":691.075,"end":698.35,"sentiment":"neutral","sentiment_score":0.1514429560303688}],"sentiment":"neutral","sentiment_score":0.12814164792911875,"num_words":72,"start":680.515,"end":698.35},{"sentences":[{"text":"Did you want that emailed or posted or both?","start":698.35,"end":700.75,"sentiment":"neutral","sentiment_score":0.0446906296743287},{"text":"What would be the best way to get that nomination?","start":700.75,"end":702.77,"sentiment":"neutral","sentiment_score":0.06007580310106277},{"text":"Email?","start":704.51,"end":705.01,"sentiment":"neutral","sentiment_score":0.023269664496183395},{"text":"Yep.","start":705.07,"end":705.57,"sentiment":"neutral","sentiment_score":0.14278307557106018},{"text":"Beautiful.","start":705.63,"end":706.13,"sentiment":"positive","sentiment_score":0.6696933507919312}],"sentiment":"neutral","sentiment_score":0.08357817222448913,"num_words":22,"start":698.35,"end":706.13},{"sentences":[{"text":"Yeah.","start":709.875,"end":710.275,"sentiment":"neutral","sentiment_score":0.2670987844467163},{"text":"Absolutely.","start":710.275,"end":710.775,"sentiment":"positive","sentiment_score":0.3871760368347168},{"text":"Not a problem.","start":711.075,"end":711.635,"sentiment":"positive","sentiment_score":0.3855927089850108},{"text":"We'll get that, prefilled and help you out, send it out to you via email.","start":711.635,"end":715.155,"sentiment":"positive","sentiment_score":0.4412456373373667},{"text":"And if you have any questions, you're welcome to let me know.","start":715.155,"end":717.395,"sentiment":"positive","sentiment_score":0.36768244455258053}],"sentiment":"positive","sentiment_score":0.4013102138414979,"num_words":32,"start":709.875,"end":717.395},{"sentences":[{"text":"We'll help you as best we can.","start":717.395,"end":718.995,"sentiment":"positive","sentiment_score":0.4144605781350817},{"text":"Okay?","start":718.995,"end":719.495,"sentiment":"neutral","sentiment_score":0.19853726029396057},{"text":"Yeah.","start":721.55005,"end":721.87006,"sentiment":"neutral","sentiment_score":0.28539466857910156},{"text":"It's okay.","start":721.87006,"end":722.61005,"sentiment":"neutral","sentiment_score":0.26690271496772766},{"text":"Now with your TBD, so total common disability cover, you have the same level of benefit as your life.","start":722.83,"end":729.17004,"sentiment":"neutral","sentiment_score":0.14688225561066678}],"sentiment":"neutral","sentiment_score":0.22365747541189193,"num_words":30,"start":717.395,"end":729.17004},{"sentences":[{"text":"Are you comfortable keeping the benefit the same, or did you wanna review the benefit amount?","start":729.55005,"end":733.97003,"sentiment":"neutral","sentiment_score":0.06253760936670005},{"text":"The same.","start":737.525,"end":738.245,"sentiment":"neutral","sentiment_score":0.008633977733552456},{"text":"Yep.","start":738.245,"end":738.745,"sentiment":"neutral","sentiment_score":0.008012045174837112},{"text":"Twelve months?","start":740.48505,"end":741.385,"sentiment":"neutral","sentiment_score":-0.012405226938426495},{"text":"Yep.","start":741.60504,"end":742.005,"sentiment":"neutral","sentiment_score":0.029739543795585632}],"sentiment":"neutral","sentiment_score":0.04685503820126707,"num_words":22,"start":729.55005,"end":742.005},{"sentences":[{"text":"Yeah.","start":742.005,"end":742.325,"sentiment":"neutral","sentiment_score":0.05085822939872742},{"text":"Absolutely.","start":742.325,"end":742.825,"sentiment":"neutral","sentiment_score":0.07293044030666351},{"text":"No.","start":743.765,"end":744.265,"sentiment":"neutral","sentiment_score":-0.10368624329566956},{"text":"Yeah.","start":745.525,"end":746.025,"sentiment":"neutral","sentiment_score":0.003916684538125992},{"text":"No.","start":747.77997,"end":748.27997,"sentiment":"neutral","sentiment_score":-0.012138282880187036}],"sentiment":"neutral","sentiment_score":0.002376165613532066,"num_words":5,"start":742.005,"end":748.27997},{"sentences":[{"text":"That's okay.","start":748.33997,"end":749.13995,"sentiment":"neutral","sentiment_score":0.042839085683226585},{"text":"That's not a problem at all.","start":749.13995,"end":750.75995,"sentiment":"neutral","sentiment_score":0.11394934480388959},{"text":"Income protection based on your income, I have you earning about a 120,000.","start":751.06,"end":755.72,"sentiment":"neutral","sentiment_score":0.0636674019579704},{"text":"Is that fairly accurate for where you are at the moment?","start":755.77997,"end":758.74,"sentiment":"neutral","sentiment_score":0.08206767173991962},{"text":"Yeah.","start":758.74,"end":759.24,"sentiment":"neutral","sentiment_score":0.02973880060017109}],"sentiment":"neutral","sentiment_score":0.07665253501159675,"num_words":33,"start":748.33997,"end":759.24},{"sentences":[{"text":"Yep.","start":760.5,"end":760.81995,"sentiment":"neutral","sentiment_score":0.06101031228899956},{"text":"That's okay.","start":760.81995,"end":761.72,"sentiment":"neutral","sentiment_score":0.16187158972024918},{"text":"With the level of benefit you do have for the income protection, it does show you're a little bit underinsured at the moment.","start":762.165,"end":767.705,"sentiment":"neutral","sentiment_score":0.01660048556716546},{"text":"So with income protection, you can be covered up to seven 70% of your current income, which may mean that you'd need to have a monthly benefit of about 7,000 per month.","start":767.765,"end":777.625,"sentiment":"neutral","sentiment_score":0.025378973165061325},{"text":"Your monthly benefit's about 5,632.","start":777.79,"end":781.41003,"sentiment":"neutral","sentiment_score":0.008905630186200142}],"sentiment":"neutral","sentiment_score":0.025765396063289946,"num_words":63,"start":760.5,"end":781.41003},{"sentences":[{"text":"Obviously, that's a gross benefit as well, so income tax is in play with that.","start":782.03,"end":786.27,"sentiment":"neutral","sentiment_score":-0.04078937197724978},{"text":"So if you do receive your monthly benefit, you also pay income tax on that as well.","start":786.27,"end":790.605,"sentiment":"neutral","sentiment_score":0.05271460860967636},{"text":"But did you wanna review the income protection, maybe increase that, or do you think that level of benefit's fine?","start":791.885,"end":797.26495,"sentiment":"neutral","sentiment_score":-0.004092675261199474},{"text":"Yeah.","start":801.96497,"end":802.46497,"sentiment":"neutral","sentiment_score":-0.007301422767341137},{"text":"Yeah.","start":803.40497,"end":803.85,"sentiment":"neutral","sentiment_score":0.0225454606115818}],"sentiment":"neutral","sentiment_score":0.004031449987518566,"num_words":54,"start":782.03,"end":803.85},{"sentences":[{"text":"Absolutely.","start":804.25,"end":804.75,"sentiment":"neutral","sentiment_score":0.08817093074321747},{"text":"When we we were we're we're sorry.","start":805.52997,"end":807.56995,"sentiment":"neutral","sentiment_score":-0.039591275953820775},{"text":"I'll start again.","start":807.56995,"end":808.20996,"sentiment":"neutral","sentiment_score":-0.13252219557762146},{"text":"I was so sorry.","start":808.20996,"end":808.88995,"sentiment":"neutral","sentiment_score":-0.1459390800446272},{"text":"Getting hung tied.","start":808.88995,"end":809.61,"sentiment":"neutral","sentiment_score":-0.15281750510136285}],"sentiment":"neutral","sentiment_score":-0.09048574573049943,"num_words":18,"start":804.25,"end":809.61},{"sentences":[{"text":"When we applied for that initially, we would have gone through and done an application with you.","start":809.61,"end":814.41,"sentiment":"neutral","sentiment_score":-0.013617702157181851},{"text":"Are there any changes to your health that we might need to maybe take into account from that application, or do you think everything should be still the same?","start":814.41,"end":822.085,"sentiment":"neutral","sentiment_score":-0.0489878148354333},{"text":"Yep.","start":826.305,"end":826.705,"sentiment":"neutral","sentiment_score":0.16673099994659424},{"text":"Beautiful.","start":826.705,"end":827.185,"sentiment":"positive","sentiment_score":0.448522686958313},{"text":"What I'll do is I'll go back and have a look at the application.","start":827.185,"end":829.445,"sentiment":"neutral","sentiment_score":0.2201073095202446}],"sentiment":"neutral","sentiment_score":0.032977555698204424,"num_words":62,"start":809.61,"end":829.445},{"sentences":[{"text":"I'll have a look at increasing that income protection policy for you.","start":829.585,"end":833.125,"sentiment":"neutral","sentiment_score":0.19112741326292357},{"text":"Did you want us to maybe just send out a quote to you to have a look at, or are you happy with me just maybe updating the advice to recommend the increase for you and show you the the effect of that?","start":833.53,"end":845.23,"sentiment":"neutral","sentiment_score":0.11042132358564886},{"text":"Yep.","start":848.09,"end":848.385,"sentiment":"neutral","sentiment_score":0.07529748976230621},{"text":"Yep.","start":849.985,"end":850.385,"sentiment":"neutral","sentiment_score":0.163616880774498},{"text":"Beautiful.","start":850.385,"end":850.885,"sentiment":"positive","sentiment_score":0.5918165445327759}],"sentiment":"neutral","sentiment_score":0.13573063428288903,"num_words":58,"start":829.585,"end":850.885},{"sentences":[{"text":"Lovely.","start":851.105,"end":851.605,"sentiment":"positive","sentiment_score":0.5887566804885864},{"text":"And the other thing I was having a look at, I know with your super, you are invested in a a managed fund within there.","start":851.905,"end":857.745,"sentiment":"neutral","sentiment_score":0.21861569404602052},{"text":"It has been working really well.","start":857.745,"end":859.025,"sentiment":"positive","sentiment_score":0.5464977572361628},{"text":"As mentioned, you've got that lovely good return.","start":859.025,"end":861.34503,"sentiment":"positive","sentiment_score":0.6209668330848217},{"text":"There's a positive return for the past twelve months there.","start":861.34503,"end":863.94,"sentiment":"positive","sentiment_score":0.5358061015605926}],"sentiment":"positive","sentiment_score":0.3931786251068115,"num_words":50,"start":851.105,"end":863.94},{"sentences":[{"text":"What I'll do is I'll just go back and have a bit of a review of that for you to make sure that is invested in line with you know, the funds are invested in line with your risk profile to see if we maybe need to make any changes there.","start":864.26,"end":874.92,"sentiment":"neutral","sentiment_score":0.10895464262541603},{"text":"Did you want me to kinda review the managed fund for you as well, make sure it's invested in the best thing possible that it's working harder?","start":876.02,"end":882.525,"sentiment":"neutral","sentiment_score":-0.0028576096174893558},{"text":"Yep.","start":882.585,"end":883.085,"sentiment":"neutral","sentiment_score":-0.018889974802732468},{"text":"Yep.","start":885.145,"end":885.465,"sentiment":"neutral","sentiment_score":0.0919153094291687},{"text":"Beautiful.","start":885.465,"end":885.965,"sentiment":"neutral","sentiment_score":0.015161174349486828}],"sentiment":"neutral","sentiment_score":0.06873725707654232,"num_words":81,"start":864.26,"end":885.965},{"sentences":[{"text":"Another thing I probably could also put look for you is we've actually set up so you've got this one managed fund, which essentially, when you look at your hub 24, you see the I shares aggressive enhanced index fund.","start":886.025,"end":897.31,"sentiment":"neutral","sentiment_score":0.026806198759004474},{"text":"We actually have our own managed fund or separately managed account, which we could always look at putting you into.","start":897.52997,"end":903.31,"sentiment":"neutral","sentiment_score":0.04790398627519608},{"text":"It's a very similar thing.","start":903.37,"end":905.15,"sentiment":"neutral","sentiment_score":0.09018127620220184},{"text":"It's generally a low cost fund, and it basically means that within having these managed funds, if there are changes that need to happen to the portfolio or changes that are occurring in the world generally that we need to update the investments to align with market conditions, we can do so.","start":905.29,"end":921.76,"sentiment":"neutral","sentiment_score":0.0880638176145462},{"text":"Did you want me to have a look at our separately managed account to see if that could provide greater benefit for you in getting you super working harder, or what would you 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so.","start":948.32,"end":952.18,"sentiment":"neutral","sentiment_score":-0.04143899107972781}],"sentiment":"neutral","sentiment_score":0.13897054521366953,"num_words":40,"start":935.705,"end":952.18},{"sentences":[{"text":"But if there's a chance that the newer that our managed fund could be providing a greater benefit or might have a greater benefit for you, I could always show you that recommendation and show you what it looks like, and then you get to decide whether you take it or not.","start":952.48,"end":964.185,"sentiment":"neutral","sentiment_score":0.11583845718548848},{"text":"Yeah.","start":968.505,"end":968.825,"sentiment":"neutral","sentiment_score":0.01204993762075901},{"text":"Yeah.","start":968.825,"end":969.325,"sentiment":"neutral","sentiment_score":-0.0006296709179878235},{"text":"Absolutely.","start":971.065,"end":971.565,"sentiment":"neutral","sentiment_score":0.04586923122406006},{"text":"And, look, if I go back into the research and come back and go, look, your CGT costs are gonna be high or, you know, it's not worth moving you right now.","start":971.865,"end":979.44,"sentiment":"neutral","sentiment_score":-0.06693103286670521}],"sentiment":"neutral","sentiment_score":0.0452769680441111,"num_words":87,"start":952.48,"end":979.44},{"sentences":[{"text":"We can come back and look at it down the track.","start":979.44,"end":981.44,"sentiment":"neutral","sentiment_score":-0.01619373719123277},{"text":"But, yeah, you know, you've got me here to do that research for you, so you may as well use me to your full capacity.","start":981.44,"end":986.58,"sentiment":"neutral","sentiment_score":0.06374525375664235},{"text":"Beautiful.","start":989.60004,"end":990.10004,"sentiment":"positive","sentiment_score":0.5112978219985962},{"text":"Beautiful.","start":990.24005,"end":990.74005,"sentiment":"positive","sentiment_score":0.6425491571426392},{"text":"Yeah.","start":991.44,"end":991.76,"sentiment":"neutral","sentiment_score":0.2828543186187744}],"sentiment":"neutral","sentiment_score":0.07313337263006431,"num_words":39,"start":979.44,"end":991.76},{"sentences":[{"text":"Excellent.","start":991.76,"end":992.26,"sentiment":"positive","sentiment_score":0.4088839292526245},{"text":"Now has anyone ever spoken to you about other types of insurances like trauma cover?","start":993.165,"end":998.125,"sentiment":"neutral","sentiment_score":0.03354234782358011},{"text":"Has anyone sort of brought that up with you before?","start":998.125,"end":1000.305,"sentiment":"neutral","sentiment_score":-0.023193774186074732},{"text":"No.","start":1003.40497,"end":1003.90497,"sentiment":"neutral","sentiment_score":-0.31334710121154785},{"text":"Yeah.","start":1008.7,"end":1009.18,"sentiment":"neutral","sentiment_score":-0.11761824041604996}],"sentiment":"neutral","sentiment_score":0.008897002254213606,"num_words":28,"start":991.76,"end":1009.18},{"sentences":[{"text":"So trauma is a bit different to life TBD income protection.","start":1009.18,"end":1012.38,"sentiment":"neutral","sentiment_score":-0.1949443519115448},{"text":"It tends to have a lump sum tax free benefit if you're, say, diagnosed with Parkinson's, you have a heart attack, a stroke, certain neurological conditions, or cancer is a big one as well.","start":1012.38,"end":1022.075,"sentiment":"neutral","sentiment_score":-0.17324283828630166},{"text":"You can't pay for trauma inside Super.","start":1022.53503,"end":1024.615,"sentiment":"negative","sentiment_score":-0.368752304996763},{"text":"It is an out of pocket expense on a monthly basis for the cover.","start":1024.615,"end":1028.155,"sentiment":"neutral","sentiment_score":-0.27345042143549236},{"text":"Did you wanna look at maybe getting a bit of trauma or having a look at what that might cost you, or are you happy to not look at it yet?","start":1028.615,"end":1035.2301,"sentiment":"neutral","sentiment_score":-0.21612833296099015}],"sentiment":"neutral","sentiment_score":-0.21798138896521835,"num_words":97,"start":1009.18,"end":1035.2301},{"sentences":[{"text":"Yeah.","start":1038.3301,"end":1038.7301,"sentiment":"neutral","sentiment_score":0.02484062686562538},{"text":"Absolutely.","start":1038.7301,"end":1039.2301,"sentiment":"neutral","sentiment_score":0.13673576712608335},{"text":"And, look, as much as these are a bit more of an expensive thing to sort of have, getting them now while you don't have any major health issues is always a benefit than trying to get it down the track when there are changes to your health.","start":1039.3701,"end":1050.375,"sentiment":"neutral","sentiment_score":-0.08169744584787016},{"text":"I can look at a quote for you to show you what it might cost if you were to maybe get, say, one or two years worth of income.","start":1050.915,"end":1057.255,"sentiment":"neutral","sentiment_score":0.07047993522779696},{"text":"How much trauma do you think you'd like to be covered for?","start":1058.355,"end":1061.5751,"sentiment":"neutral","sentiment_score":-0.007162721420172602}],"sentiment":"neutral","sentiment_score":-0.019801489474088118,"num_words":91,"start":1038.3301,"end":1061.5751},{"sentences":[{"text":"Did did you want me to look at maybe two years worth of income to start with and see what the cost is, and I can send you the quote to show you?","start":1064.99,"end":1072.29,"sentiment":"neutral","sentiment_score":0.008373081797000134},{"text":"Yeah.","start":1072.8301,"end":1073.3301,"sentiment":"neutral","sentiment_score":0.030299190431833267},{"text":"Yeah.","start":1077.575,"end":1077.895,"sentiment":"neutral","sentiment_score":0.24151763319969177},{"text":"Absolutely.","start":1077.895,"end":1078.395,"sentiment":"positive","sentiment_score":0.36046427488327026},{"text":"So what I'll do is I'll get the quote for these.","start":1078.535,"end":1080.775,"sentiment":"neutral","sentiment_score":0.28366128693927417}],"sentiment":"neutral","sentiment_score":0.08572057349250671,"num_words":47,"start":1064.99,"end":1080.775},{"sentences":[{"text":"I'll send them to you so you can have a look at them, and then we can always come back and have another conversation around what the level looks like, what the cost looks like.","start":1080.775,"end":1088.235,"sentiment":"neutral","sentiment_score":0.23452907396214348},{"text":"To be able to apply for them, I'll have to update the advice to show you and make sure it reflects.","start":1088.775,"end":1093.72,"sentiment":"neutral","sentiment_score":0.1710394127737908},{"text":"But I can just get a quote to start with, and then we can always come back and have a secondary conversation about the cost of it, what it looks like, and whether that's what you're after.","start":1094.18,"end":1102.58,"sentiment":"neutral","sentiment_score":0.2015992620506802},{"text":"Does that sound okay?","start":1102.58,"end":1103.8,"sentiment":"neutral","sentiment_score":0.10147029347717762},{"text":"Yep.","start":1104.26,"end":1104.76,"sentiment":"neutral","sentiment_score":0.12228065729141235}],"sentiment":"neutral","sentiment_score":0.20191509983673386,"num_words":98,"start":1080.775,"end":1104.76},{"sentences":[{"text":"Yep.","start":1105.7001,"end":1106.1,"sentiment":"neutral","sentiment_score":0.3111286461353302},{"text":"Beautiful.","start":1106.1,"end":1106.6,"sentiment":"positive","sentiment_score":0.7976184487342834},{"text":"Fantastic.","start":1106.8201,"end":1107.3201,"sentiment":"positive","sentiment_score":0.8458455204963684},{"text":"I'll get that for you.","start":1107.46,"end":1108.84,"sentiment":"positive","sentiment_score":0.7244053483009338},{"text":"I don't have any other assets noted here.","start":1109.355,"end":1111.595,"sentiment":"neutral","sentiment_score":0.023166467901319265}],"sentiment":"positive","sentiment_score":0.36012194375507534,"num_words":16,"start":1105.7001,"end":1111.595},{"sentences":[{"text":"Do you have any other personal loans or shares or any other, you know, tools of value that you'd note down on on the Fact Find at all?","start":1111.595,"end":1118.895,"sentiment":"neutral","sentiment_score":0.0758458725841982},{"text":"Yeah.","start":1125.28,"end":1125.52,"sentiment":"neutral","sentiment_score":0.08769944310188293},{"text":"Yeah.","start":1125.52,"end":1125.76,"sentiment":"neutral","sentiment_score":0.17129084467887878},{"text":"Beautiful.","start":1125.76,"end":1126.16,"sentiment":"positive","sentiment_score":0.4408242106437683},{"text":"With your home and contents insurance, what do you have your contents valued at?","start":1126.16,"end":1130.16,"sentiment":"neutral","sentiment_score":0.13848224335483142}],"sentiment":"neutral","sentiment_score":0.1058277852833271,"num_words":45,"start":1111.595,"end":1130.16},{"sentences":[{"text":"If you remember.","start":1130.16,"end":1130.88,"sentiment":"neutral","sentiment_score":-0.005934557567040126},{"text":"If you don't, that's okay.","start":1130.88,"end":1132.1,"sentiment":"neutral","sentiment_score":-0.04852391853928566},{"text":"Yeah.","start":1135.28,"end":1135.68,"sentiment":"neutral","sentiment_score":-0.0713731199502945},{"text":"Beautiful.","start":1135.68,"end":1136.18,"sentiment":"neutral","sentiment_score":-0.23225146532058716},{"text":"Yeah.","start":1139.655,"end":1140.155,"sentiment":"neutral","sentiment_score":-0.07104530930519104}],"sentiment":"neutral","sentiment_score":-0.05773574181578376,"num_words":11,"start":1130.16,"end":1140.155},{"sentences":[{"text":"Absolutely.","start":1141.8151,"end":1142.3151,"sentiment":"neutral","sentiment_score":0.05726395919919014},{"text":"And when you think about it yeah.","start":1142.6951,"end":1145.3351,"sentiment":"neutral","sentiment_score":-0.02504122070968151},{"text":"No.","start":1145.3351,"end":1145.655,"sentiment":"neutral","sentiment_score":-0.14201799035072327},{"text":"Absolutely.","start":1145.655,"end":1146.155,"sentiment":"neutral","sentiment_score":-0.07210870087146759},{"text":"And when you think about contents, like, if you tipped your house upside down, everything fell out.","start":1146.2151,"end":1150.375,"sentiment":"neutral","sentiment_score":-0.18383375029353535}],"sentiment":"neutral","sentiment_score":-0.12804907525855083,"num_words":27,"start":1141.8151,"end":1150.375},{"sentences":[{"text":"That's considered content.","start":1150.375,"end":1151.755,"sentiment":"neutral","sentiment_score":-0.20103091994921365},{"text":"So it is quite a difference, and it can add up pretty significantly if you had to replace all of that.","start":1151.8151,"end":1157.7,"sentiment":"neutral","sentiment_score":-0.15887641658385596},{"text":"Yeah.","start":1159.76,"end":1160.26,"sentiment":"neutral","sentiment_score":-0.004627784714102745},{"text":"No.","start":1160.32,"end":1160.82,"sentiment":"neutral","sentiment_score":-0.1072954684495926},{"text":"Yeah.","start":1165.28,"end":1165.78,"sentiment":"neutral","sentiment_score":0.007529871538281441}],"sentiment":"neutral","sentiment_score":-0.14977373665681593,"num_words":27,"start":1150.375,"end":1165.78},{"sentences":[{"text":"Yeah.","start":1167.375,"end":1167.855,"sentiment":"neutral","sentiment_score":0.04832344502210617},{"text":"No.","start":1167.855,"end":1168.0951,"sentiment":"neutral","sentiment_score":0.011050455272197723},{"text":"That's okay.","start":1168.0951,"end":1168.8151,"sentiment":"neutral","sentiment_score":0.14362702891230583},{"text":"That's not a problem at all.","start":1168.8151,"end":1170.415,"sentiment":"neutral","sentiment_score":0.30113349358240765},{"text":"Well, if you like, what I'll do is I'll start by going back and have a look at the in the insurance side of things for you.","start":1170.415,"end":1175.6951,"sentiment":"neutral","sentiment_score":0.17490697707291003}],"sentiment":"neutral","sentiment_score":0.1858356027184306,"num_words":37,"start":1167.375,"end":1175.6951},{"sentences":[{"text":"I'll get some quotes done.","start":1175.6951,"end":1176.8151,"sentiment":"neutral","sentiment_score":0.21406585574150086},{"text":"I'll I'll go back and just review the investment that you're in.","start":1176.8151,"end":1179.99,"sentiment":"neutral","sentiment_score":0.18705812593301138},{"text":"And then because it is quite a lot to go through today and you've got a lot going on there, we can come back and have another conversation in a couple of weeks and sort of see what you wanna do insurance wise, and we can talk about the investment a bit more.","start":1180.47,"end":1193.145,"sentiment":"neutral","sentiment_score":0.05795360447944335},{"text":"And then you can let me know what advice you wanna proceed with.","start":1193.7051,"end":1196.745,"sentiment":"neutral","sentiment_score":0.1153677381001986},{"text":"Does that sound okay?","start":1196.745,"end":1197.965,"sentiment":"neutral","sentiment_score":0.15160460956394672}],"sentiment":"neutral","sentiment_score":0.09761800989508629,"num_words":87,"start":1175.6951,"end":1197.965},{"sentences":[{"text":"Yeah.","start":1199.865,"end":1200.265,"sentiment":"positive","sentiment_score":0.4605844020843506},{"text":"Beautiful.","start":1200.265,"end":1200.765,"sentiment":"positive","sentiment_score":0.6668051481246948},{"text":"The last thing I wanted to do before I let you go is just to double check your risk profile as well.","start":1201.385,"end":1205.7051,"sentiment":"neutral","sentiment_score":0.07644738409329545},{"text":"So just got a couple of questions to sort of ask you in relation to that.","start":1205.7051,"end":1209.35,"sentiment":"neutral","sentiment_score":0.0447170176776126},{"text":"The first one here is have you ever invested in direct shares or managed funds in your own name in the past?","start":1209.89,"end":1215.1699,"sentiment":"neutral","sentiment_score":0.015137608120725914}],"sentiment":"neutral","sentiment_score":0.062221478415472854,"num_words":62,"start":1199.865,"end":1215.1699},{"sentences":[{"text":"Have you ever owned any shares at all?","start":1215.1699,"end":1217.27,"sentiment":"neutral","sentiment_score":0.0009429688798263669},{"text":"Yeah.","start":1229.345,"end":1229.745,"sentiment":"neutral","sentiment_score":-0.14042463898658752},{"text":"No.","start":1229.745,"end":1229.985,"sentiment":"neutral","sentiment_score":-0.3304450511932373},{"text":"That's okay.","start":1229.985,"end":1230.885,"sentiment":"negative","sentiment_score":-0.4587094634771347},{"text":"Yeah.","start":1233.53,"end":1234.03,"sentiment":"neutral","sentiment_score":-0.07422758638858795}],"sentiment":"neutral","sentiment_score":-0.1119209578833901,"num_words":13,"start":1215.1699,"end":1234.03},{"sentences":[{"text":"Understandable.","start":1234.49,"end":1234.99,"sentiment":"neutral","sentiment_score":-0.06224209815263748},{"text":"And so you still own those, though?","start":1235.6101,"end":1237.7101,"sentiment":"neutral","sentiment_score":-0.06372428046805519},{"text":"Not much.","start":1244.89,"end":1245.675,"sentiment":"neutral","sentiment_score":-0.2851274460554123},{"text":"No.","start":1246.875,"end":1247.275,"sentiment":"neutral","sentiment_score":-0.2278374135494232},{"text":"Understand.","start":1247.275,"end":1247.775,"sentiment":"neutral","sentiment_score":-0.17743107676506042}],"sentiment":"neutral","sentiment_score":-0.12365295365452766,"num_words":12,"start":1234.49,"end":1247.775},{"sentences":[{"text":"Oh, you never know.","start":1249.755,"end":1250.875,"sentiment":"neutral","sentiment_score":-0.11860962398350239},{"text":"It could always come back.","start":1250.875,"end":1252.255,"sentiment":"neutral","sentiment_score":-0.13304092288017272},{"text":"No.","start":1256.155,"end":1256.635,"sentiment":"neutral","sentiment_score":-0.01890408620238304},{"text":"Oh, good.","start":1256.635,"end":1257.275,"sentiment":"neutral","sentiment_score":0.19345100224018097},{"text":"Perfect.","start":1257.275,"end":1257.775,"sentiment":"neutral","sentiment_score":0.28789249062538147}],"sentiment":"neutral","sentiment_score":-0.03721174626396252,"num_words":13,"start":1249.755,"end":1257.775},{"sentences":[{"text":"Well, I'll note that one down there for you.","start":1257.8351,"end":1259.85,"sentiment":"neutral","sentiment_score":0.10818721022870806},{"text":"And the next question I have here is thinking about your super now I know your balance is quite lower that you are sort of building it at the moment, but if you were to say, you know, look at your super in the next sort of three to six or even twelve months and note it was down due to what was happening globally in the world.","start":1260.8099,"end":1277.355,"sentiment":"neutral","sentiment_score":-0.01648170895436231},{"text":"How do you think you might be feeling about that?","start":1277.415,"end":1279.835,"sentiment":"neutral","sentiment_score":-0.028801356628537177},{"text":"Yep.","start":1292.07,"end":1292.57,"sentiment":"neutral","sentiment_score":0.03464185819029808},{"text":"Yep.","start":1292.71,"end":1293.21,"sentiment":"neutral","sentiment_score":0.061612557619810104}],"sentiment":"neutral","sentiment_score":-0.0038070839023991916,"num_words":89,"start":1257.8351,"end":1293.21},{"sentences":[{"text":"That's okay.","start":1293.43,"end":1294.33,"sentiment":"neutral","sentiment_score":0.05949941498693079},{"text":"So you'd sort of just happily sit and wait, let it do its thing, and see what happens in another year or two's time?","start":1294.47,"end":1300.15,"sentiment":"neutral","sentiment_score":0.19782016783331832},{"text":"Yep.","start":1300.15,"end":1300.545,"sentiment":"neutral","sentiment_score":0.04985605925321579},{"text":"You do.","start":1304.385,"end":1305.125,"sentiment":"neutral","sentiment_score":0.060859398916363716},{"text":"Yeah.","start":1305.505,"end":1305.905,"sentiment":"neutral","sentiment_score":0.10322828590869904}],"sentiment":"neutral","sentiment_score":0.17138286669893812,"num_words":30,"start":1293.43,"end":1305.905},{"sentences":[{"text":"You've got a long time ahead of you there as it's a positive thing as well as, you know, a negative thing.","start":1305.905,"end":1311.745,"sentiment":"neutral","sentiment_score":0.10313263298435645},{"text":"We always look at it and go, wow.","start":1311.745,"end":1313.1051,"sentiment":"neutral","sentiment_score":0.010996492579579353},{"text":"Thirty years is a long time away.","start":1313.1051,"end":1314.545,"sentiment":"neutral","sentiment_score":-0.07446181348391942},{"text":"A lot of years of working ahead of us, but at the same time, it's a really good thing because you are building your balance.","start":1314.545,"end":1320.15,"sentiment":"neutral","sentiment_score":0.325965681374073},{"text":"We're starting off a bit lower, so you've got time to let it grow, which is a positive for you.","start":1320.15,"end":1325.27,"sentiment":"positive","sentiment_score":0.538296528160572}],"sentiment":"neutral","sentiment_score":0.25305768011546714,"num_words":82,"start":1305.905,"end":1325.27},{"sentences":[{"text":"Oh.","start":1325.27,"end":1325.6699,"sentiment":"neutral","sentiment_score":0.17062485218048096},{"text":"Yeah.","start":1325.6699,"end":1326.07,"sentiment":"neutral","sentiment_score":0.2316654622554779},{"text":"Beautiful.","start":1326.07,"end":1326.57,"sentiment":"positive","sentiment_score":0.3884596824645996},{"text":"Do you when you consider your when you think about risk in your super, do you consider yourself comfortable taking on a higher level of risk to get greater returns?","start":1327.75,"end":1335.345,"sentiment":"neutral","sentiment_score":0.029986541345715524},{"text":"Do you think you put yourself in the middle there, or you're not wanting to take on much risk?","start":1335.4049,"end":1339.6449,"sentiment":"neutral","sentiment_score":-0.0395321906789353}],"sentiment":"neutral","sentiment_score":0.018062204122543335,"num_words":52,"start":1325.27,"end":1339.6449},{"sentences":[{"text":"How do you sort of see yourself?","start":1339.6449,"end":1341.1849,"sentiment":"neutral","sentiment_score":-0.036423535485352786},{"text":"Yep.","start":1344.2849,"end":1344.72,"sentiment":"neutral","sentiment_score":-0.0824454128742218},{"text":"Yes.","start":1347.9199,"end":1348.4199,"sentiment":"neutral","sentiment_score":0.014274941757321358},{"text":"Yeah.","start":1351.2,"end":1351.6,"sentiment":"neutral","sentiment_score":0.04192564636468887},{"text":"Absolutely.","start":1351.6,"end":1352.1,"sentiment":"neutral","sentiment_score":0.059912946075201035}],"sentiment":"neutral","sentiment_score":-0.020117875188589096,"num_words":11,"start":1339.6449,"end":1352.1},{"sentences":[{"text":"And have you ever thought about borrowing money to invest in shares or manage funds, or would you only ever wanna borrow money for, say, property?","start":1352.48,"end":1359.5399,"sentiment":"neutral","sentiment_score":0.01689361945654337},{"text":"Yeah.","start":1366.775,"end":1367.255,"sentiment":"neutral","sentiment_score":-0.1879914253950119},{"text":"That's yeah.","start":1367.255,"end":1371.335,"sentiment":"neutral","sentiment_score":-0.1693227170035243},{"text":"Absolutely.","start":1371.335,"end":1371.835,"sentiment":"neutral","sentiment_score":0.055483900010585785},{"text":"Have you been thinking about sort of future goals?","start":1372.135,"end":1374.6901,"sentiment":"neutral","sentiment_score":0.030712144656313792}],"sentiment":"neutral","sentiment_score":0.006268985856037874,"num_words":39,"start":1352.48,"end":1374.6901},{"sentences":[{"text":"Did you ever wanna look at maybe having investment properties in the future, or it's not something that sort of cost your mind?","start":1374.6901,"end":1381.27,"sentiment":"neutral","sentiment_score":-0.003207018922852433},{"text":"Yeah.","start":1388.665,"end":1389.165,"sentiment":"neutral","sentiment_score":0.004303310066461563},{"text":"Yeah.","start":1389.225,"end":1389.725,"sentiment":"neutral","sentiment_score":0.0162743479013443},{"text":"Yeah.","start":1392.105,"end":1392.605,"sentiment":"neutral","sentiment_score":0.01209263689815998},{"text":"No.","start":1392.8251,"end":1393.145,"sentiment":"neutral","sentiment_score":-0.08741705119609833}],"sentiment":"neutral","sentiment_score":-0.004759562650212535,"num_words":27,"start":1374.6901,"end":1393.145},{"sentences":[{"text":"Absolutely.","start":1393.145,"end":1393.645,"sentiment":"neutral","sentiment_score":-0.001232542097568512},{"text":"Yeah.","start":1396.505,"end":1397.005,"sentiment":"neutral","sentiment_score":0.02507018856704235},{"text":"No.","start":1397.0651,"end":1397.385,"sentiment":"neutral","sentiment_score":0.03396158665418625},{"text":"Absolutely.","start":1397.385,"end":1397.885,"sentiment":"neutral","sentiment_score":0.1664092242717743},{"text":"Perfect.","start":1398.265,"end":1398.765,"sentiment":"neutral","sentiment_score":0.05402374267578125}],"sentiment":"neutral","sentiment_score":0.055646440014243126,"num_words":5,"start":1393.145,"end":1398.765},{"sentences":[{"text":"Now we do have you in that sort of growth portfolio environment, and you've sort of scored in that same area.","start":1399.0651,"end":1404.55,"sentiment":"neutral","sentiment_score":0.08614887811598324},{"text":"So that typically sees about 80% of your super invested in growth assets.","start":1404.55,"end":1408.39,"sentiment":"neutral","sentiment_score":0.09547898803765957},{"text":"This is in Australian shares as well as international shares, gold and silver, so some precious metals and also property in there as well.","start":1408.39,"end":1415.745,"sentiment":"neutral","sentiment_score":0.0904285393965741},{"text":"And then the other 20 yeah.","start":1416.225,"end":1418.945,"sentiment":"neutral","sentiment_score":0.09329613732794921},{"text":"And then the other 20% in low risk defensive investments, things like cash, bonds, and fixed interest, having a mix of both of those asset classes does kinda give you a diversified mix of, you know, lowering your overall risk and helping to sorta get good gains where you you know, with where you're heading to.","start":1418.945,"end":1436.17,"sentiment":"positive","sentiment_score":0.356283833006663}],"sentiment":"neutral","sentiment_score":0.21443591418986518,"num_words":120,"start":1399.0651,"end":1436.17},{"sentences":[{"text":"Those growth assets are where you take on a bit more risk, so you're wanting to get greater returns out of those.","start":1436.31,"end":1441.77,"sentiment":"neutral","sentiment_score":0.15925955298272046},{"text":"That is where we have you.","start":1442.625,"end":1443.905,"sentiment":"neutral","sentiment_score":0.12355448429783185},{"text":"It's where you've scored, and it does suit someone who has at least six years before they're wanting to access their super.","start":1443.905,"end":1449.4451,"sentiment":"neutral","sentiment_score":0.11867823993617838},{"text":"You're sort of chasing returns of around about sort of seven to 9% on a yearly basis there, and the likelihood of a negative return is expected kind of one in every five years.","start":1449.665,"end":1459.49,"sentiment":"neutral","sentiment_score":-0.1338556033613927},{"text":"Are you fairly comfortable in that sort of environment just remaining in that growth environment?","start":1459.49,"end":1463.99,"sentiment":"neutral","sentiment_score":-0.12466523895661036}],"sentiment":"neutral","sentiment_score":0.004392820720871289,"num_words":99,"start":1436.31,"end":1463.99},{"sentences":[{"text":"Or yep.","start":1464.2899,"end":1469.145,"sentiment":"neutral","sentiment_score":0.045771777629852295},{"text":"Yeah.","start":1470.345,"end":1470.585,"sentiment":"neutral","sentiment_score":0.09907172620296478},{"text":"Yeah.","start":1470.585,"end":1470.905,"sentiment":"neutral","sentiment_score":0.22535577416419983},{"text":"Absolutely.","start":1470.905,"end":1471.405,"sentiment":"positive","sentiment_score":0.5354938507080078},{"text":"Perfect.","start":1471.9451,"end":1472.4451,"sentiment":"positive","sentiment_score":0.6383814811706543}],"sentiment":"neutral","sentiment_score":0.26497439791758853,"num_words":6,"start":1464.2899,"end":1472.4451},{"sentences":[{"text":"Not a problem at all.","start":1472.745,"end":1474.185,"sentiment":"positive","sentiment_score":0.4436923980712891},{"text":"Well, what I'll do is I'll go back and do a little bit of research there for you.","start":1474.185,"end":1477.865,"sentiment":"neutral","sentiment_score":0.17771251913574007},{"text":"We'll come back in just a couple of weeks and have a bit of a conversation.","start":1477.865,"end":1480.745,"sentiment":"neutral","sentiment_score":0.16677545849233866},{"text":"Once I've got the quotes ready to go, we can talk about the level the cover levels and how much they're looking to cost, and I'll do a bit of research around that managed fund for you as well to see what the asset allocation is and see if you're, you know, invested in line with where you should be.","start":1480.745,"end":1496.6,"sentiment":"neutral","sentiment_score":0.17215762349466482},{"text":"And if we need to make any changes, we can come back and have that conversation, talk about what you're after, what advice you want, and then you can let me know how you want me to proceed there.","start":1496.6,"end":1506.2949,"sentiment":"neutral","sentiment_score":0.14769000693773612}],"sentiment":"neutral","sentiment_score":0.17518161123861437,"num_words":138,"start":1472.745,"end":1506.2949},{"sentences":[{"text":"Okay?","start":1506.2949,"end":1506.7949,"sentiment":"neutral","sentiment_score":0.15208086371421814},{"text":"Excellent.","start":1509.4149,"end":1509.9149,"sentiment":"positive","sentiment_score":0.7880408763885498},{"text":"Now after the call, you will get your annual review packet.","start":1510.135,"end":1512.695,"sentiment":"neutral","sentiment_score":0.31404504857280036},{"text":"It does have in there the updated information, your super balance, the level of cover that you have currently, how much you are paying for those.","start":1512.695,"end":1519.49,"sentiment":"neutral","sentiment_score":0.2011910780118062},{"text":"It's also got your internal rate of return, the portfolio report showing everything we've gone through today with regard to how you performed.","start":1519.49,"end":1526.79,"sentiment":"neutral","sentiment_score":0.21560017829355987}],"sentiment":"neutral","sentiment_score":0.2352320871526195,"num_words":62,"start":1506.2949,"end":1526.79},{"sentences":[{"text":"It does also have in there our financial services guide, which outlines everything about who we are, what we do, how we do it, has all my licensing information as a licensed adviser for you as well.","start":1527.5549,"end":1537.8949,"sentiment":"neutral","sentiment_score":0.15866385118381396},{"text":"We also have in there our ongoing service agreement.","start":1538.5149,"end":1541.5,"sentiment":"neutral","sentiment_score":0.13576931092474195},{"text":"So as an ongoing client, we wanna make sure we're providing advice and updating advice that's working towards your goals because we're here to look after your super and help help you meet those goals long term.","start":1541.5599,"end":1552.2999,"sentiment":"neutral","sentiment_score":0.33146591685913707},{"text":"With with regards to the goals, sir, do you think you're wanting to hopefully retire around about 60, or do you think you'd probably work a bit longer?","start":1553.385,"end":1559.865,"sentiment":"neutral","sentiment_score":-0.006512413666184459},{"text":"What's your kinda goal retirement?","start":1559.865,"end":1561.245,"sentiment":"neutral","sentiment_score":-0.013148646429181099}],"sentiment":"neutral","sentiment_score":0.16472960690614477,"num_words":116,"start":1527.5549,"end":1561.245},{"sentences":[{"text":"Yeah.","start":1567.78,"end":1568.1,"sentiment":"neutral","sentiment_score":-0.05415269359946251},{"text":"So you can't actually act yeah.","start":1568.1,"end":1571.86,"sentiment":"neutral","sentiment_score":-0.08401420898735523},{"text":"So you you can't actually access super to the age of 60 at the moment.","start":1571.86,"end":1575.7,"sentiment":"neutral","sentiment_score":-0.08397368068496386},{"text":"That's the earliest you can sorta access super.","start":1575.7,"end":1577.96,"sentiment":"neutral","sentiment_score":0.01359694660641253},{"text":"We can definitely look at helping and providing advice on building wealth outside of super, whether that be, know, building investment portfolios and diverting money into other areas to make sure you can retire at the age of 50.","start":1578.02,"end":1589.4751,"sentiment":"neutral","sentiment_score":0.050284195165985666}],"sentiment":"neutral","sentiment_score":0.003652406181546225,"num_words":69,"start":1567.78,"end":1589.4751},{"sentences":[{"text":"But currently, 60 is the earliest I would be able to work on for you for your super.","start":1589.935,"end":1594.175,"sentiment":"neutral","sentiment_score":0.06895669508311483},{"text":"You're comfortable with me just noting 60 and kind of working towards that at the moment?","start":1594.175,"end":1598.275,"sentiment":"neutral","sentiment_score":0.08303519058972597},{"text":"Yeah.","start":1600.02,"end":1600.1799,"sentiment":"neutral","sentiment_score":0.03553498908877373},{"text":"Yeah.","start":1600.1799,"end":1600.5,"sentiment":"neutral","sentiment_score":0.07716815173625946},{"text":"Beautiful.","start":1600.5,"end":1600.82,"sentiment":"neutral","sentiment_score":0.2222881317138672}],"sentiment":"neutral","sentiment_score":0.07850742793163738,"num_words":37,"start":1589.935,"end":1600.82},{"sentences":[{"text":"Do you yeah.","start":1600.82,"end":1603.96,"sentiment":"neutral","sentiment_score":0.02763962559401989},{"text":"Absolutely.","start":1604.82,"end":1605.32,"sentiment":"neutral","sentiment_score":0.07867136597633362},{"text":"Do you have any other goals that you're looking to achieve in the next sort of one to two or even five years?","start":1605.7,"end":1610.475,"sentiment":"neutral","sentiment_score":0.06917822490567746},{"text":"Okay.","start":1615.035,"end":1615.4349,"sentiment":"neutral","sentiment_score":0.035839781165122986},{"text":"Yep.","start":1615.4349,"end":1615.9349,"sentiment":"neutral","sentiment_score":0.0559423565864563}],"sentiment":"neutral","sentiment_score":0.06360246735657084,"num_words":29,"start":1600.82,"end":1615.9349},{"sentences":[{"text":"Yeah.","start":1621.6749,"end":1622.1749,"sentiment":"neutral","sentiment_score":0.227809876203537},{"text":"Absolutely.","start":1624.475,"end":1624.975,"sentiment":"positive","sentiment_score":0.42737048864364624},{"text":"No.","start":1625.515,"end":1625.94,"sentiment":"neutral","sentiment_score":0.09887330234050752},{"text":"Yeah.","start":1627.22,"end":1627.62,"sentiment":"neutral","sentiment_score":0.12300802767276764},{"text":"Yeah.","start":1627.62,"end":1627.94,"sentiment":"neutral","sentiment_score":0.148381307721138}],"sentiment":"neutral","sentiment_score":0.20508860051631927,"num_words":5,"start":1621.6749,"end":1627.94},{"sentences":[{"text":"Definitely.","start":1627.94,"end":1628.44,"sentiment":"neutral","sentiment_score":0.24832606315612793},{"text":"No.","start":1628.6599,"end":1629.0599,"sentiment":"neutral","sentiment_score":0.27373000979423523},{"text":"Fantastic.","start":1629.0599,"end":1629.5599,"sentiment":"positive","sentiment_score":0.6017898321151733},{"text":"Well, we can definitely help.","start":1629.7,"end":1630.74,"sentiment":"positive","sentiment_score":0.603545343875885},{"text":"And when you are ready for that, let me know.","start":1630.74,"end":1632.58,"sentiment":"neutral","sentiment_score":0.26747447401285174}],"sentiment":"positive","sentiment_score":0.37868429803185993,"num_words":18,"start":1627.94,"end":1632.58},{"sentences":[{"text":"We can look at whether we provide advice from that or refer you to a mortgage broker to assist with the purchase.","start":1632.58,"end":1637.6399,"sentiment":"neutral","sentiment_score":0.11972297524864023},{"text":"Yep.","start":1642.905,"end":1643.405,"sentiment":"neutral","sentiment_score":0.020039040595293045},{"text":"Yeah.","start":1643.945,"end":1644.265,"sentiment":"neutral","sentiment_score":0.030964283272624016},{"text":"Just give us a call on the same number.","start":1644.265,"end":1646.0449,"sentiment":"neutral","sentiment_score":0.0391829347030984},{"text":"Right.","start":1654.15,"end":1654.65,"sentiment":"neutral","sentiment_score":-0.06509207934141159}],"sentiment":"neutral","sentiment_score":0.08742538565660224,"num_words":34,"start":1632.58,"end":1654.65},{"sentences":[{"text":"Yeah.","start":1657.19,"end":1657.69,"sentiment":"neutral","sentiment_score":-0.1037364900112152},{"text":"Yeah.","start":1659.03,"end":1659.4299,"sentiment":"neutral","sentiment_score":-0.03317214548587799},{"text":"So we can provide advice around what to do with the funds that you do get back.","start":1659.4299,"end":1663.29,"sentiment":"neutral","sentiment_score":-0.048062687411027795},{"text":"If it's more around your tax return, we don't do your tax return for you.","start":1663.35,"end":1666.71,"sentiment":"neutral","sentiment_score":-0.11821559766928355},{"text":"It's more of an accountant thing.","start":1666.71,"end":1668.315,"sentiment":"neutral","sentiment_score":-0.04288894993563493}],"sentiment":"neutral","sentiment_score":-0.07461354965344072,"num_words":40,"start":1657.19,"end":1668.315},{"sentences":[{"text":"Did you want us to put you in touch with an accountant, or have you got one that you're comfortable using?","start":1668.715,"end":1673.455,"sentiment":"neutral","sentiment_score":-0.07488535433298066},{"text":"Or yeah.","start":1673.5149,"end":1677.615,"sentiment":"neutral","sentiment_score":-0.17707057297229767},{"text":"Okay.","start":1681.355,"end":1681.855,"sentiment":"neutral","sentiment_score":-0.1891227960586548},{"text":"Yeah.","start":1684.5499,"end":1685.0299,"sentiment":"neutral","sentiment_score":-0.02991928532719612},{"text":"Did you want us to maybe put you in touch with an accountant to have a chat about what they can offer and how much they charge their services?","start":1685.0299,"end":1691.7699,"sentiment":"neutral","sentiment_score":-0.0007710848003625871}],"sentiment":"neutral","sentiment_score":-0.04015068754691769,"num_words":54,"start":1668.715,"end":1691.7699},{"sentences":[{"text":"Yep.","start":1695.0299,"end":1695.405,"sentiment":"neutral","sentiment_score":0.05976366251707077},{"text":"Yeah.","start":1699.165,"end":1699.3251,"sentiment":"neutral","sentiment_score":0.15471620857715607},{"text":"Yeah.","start":1699.3251,"end":1699.725,"sentiment":"neutral","sentiment_score":0.20470285415649417},{"text":"Absolutely.","start":1699.725,"end":1700.2051,"sentiment":"positive","sentiment_score":0.3621818423271179},{"text":"Well, in the email, I can have the information on the account.","start":1700.2051,"end":1702.605,"sentiment":"neutral","sentiment_score":0.1505348514765501}],"sentiment":"neutral","sentiment_score":0.1617364240810275,"num_words":16,"start":1695.0299,"end":1702.605},{"sentences":[{"text":"And if you're happy if you would like to give them a call, if you decide you want us to put you in touch with them, just let me know.","start":1702.605,"end":1708.85,"sentiment":"neutral","sentiment_score":0.2533417157828808},{"text":"We can always do a referral email through to them and get them to contact you.","start":1708.85,"end":1712.3899,"sentiment":"neutral","sentiment_score":0.19462459534406662},{"text":"But I'll start by just sending you their information.","start":1713.1699,"end":1715.4299,"sentiment":"neutral","sentiment_score":0.16172484474049675},{"text":"You can look at what you'd like to do and let me know how you wanna move forward there.","start":1715.49,"end":1719.4099,"sentiment":"neutral","sentiment_score":0.22987614023058037},{"text":"Okay?","start":1719.4099,"end":1719.9099,"sentiment":"neutral","sentiment_score":0.1718999147415161}],"sentiment":"neutral","sentiment_score":0.2227908690770467,"num_words":75,"start":1702.605,"end":1719.9099},{"sentences":[{"text":"Beautiful.","start":1721.265,"end":1721.765,"sentiment":"positive","sentiment_score":0.6368952989578247},{"text":"Easy.","start":1721.8251,"end":1722.3251,"sentiment":"positive","sentiment_score":0.4786602258682251},{"text":"As I kinda mentioned, we also have the ongoing service agreement attached there.","start":1722.545,"end":1725.905,"sentiment":"neutral","sentiment_score":0.1084252825150123},{"text":"So that does note that you do pay us an ongoing service fee for looking after your super and all the work we do in the back end for you.","start":1725.905,"end":1732.32,"sentiment":"neutral","sentiment_score":0.1100496757775545},{"text":"You do pay 1.65% per annum, and that is basically a percentage basis a year.","start":1732.7999,"end":1738.48,"sentiment":"neutral","sentiment_score":0.07901227126518885}],"sentiment":"neutral","sentiment_score":0.11686264233042797,"num_words":60,"start":1721.265,"end":1738.48},{"sentences":[{"text":"So with your ongoing service fee, it comes out of your super on in smaller monthly increments, and it is linked to the performance of your super.","start":1738.48,"end":1746.345,"sentiment":"neutral","sentiment_score":0.08719742905210566},{"text":"So our fee as a percentage does fluctuate with the market depending on, you know, what happens there.","start":1746.345,"end":1751.465,"sentiment":"neutral","sentiment_score":0.04792910462452306},{"text":"It means that when your super is doing really well and you've got a good return, our fee will increase with it.","start":1751.465,"end":1756.505,"sentiment":"neutral","sentiment_score":0.1491730236871676},{"text":"However, at times, the markets do take a bit of a dip.","start":1756.505,"end":1758.985,"sentiment":"neutral","sentiment_score":-0.07670578143248956},{"text":"It does mean that our fee would decrease there with it, and paying the ongoing service agreement also means that we're giving you the advice and updating the advice free of charge.","start":1758.985,"end":1767.79,"sentiment":"neutral","sentiment_score":0.0731447454309091}],"sentiment":"neutral","sentiment_score":0.07134255374202857,"num_words":111,"start":1738.48,"end":1767.79},{"sentences":[{"text":"Okay?","start":1767.79,"end":1768.29,"sentiment":"neutral","sentiment_score":0.05325210094451904},{"text":"Yeah.","start":1769.31,"end":1769.81,"sentiment":"neutral","sentiment_score":0.22743135690689087},{"text":"Perfect.","start":1769.87,"end":1770.37,"sentiment":"positive","sentiment_score":0.40398892760276794},{"text":"Well, I'll send those documents out to you.","start":1771.15,"end":1772.75,"sentiment":"neutral","sentiment_score":0.16116570867598057},{"text":"If you can just sign the ongoing service agreement, send it back there for me.","start":1772.75,"end":1776.045,"sentiment":"neutral","sentiment_score":0.12680920710166296}],"sentiment":"neutral","sentiment_score":0.14908216005334488,"num_words":26,"start":1767.79,"end":1776.045},{"sentences":[{"text":"There may be some other additional documents.","start":1776.2051,"end":1778.125,"sentiment":"neutral","sentiment_score":0.07047712643231664},{"text":"We do also have a tax file opt in form, just letting you know that we do hold your tax phone number because we set you safe for us and your insurances.","start":1778.125,"end":1784.785,"sentiment":"neutral","sentiment_score":0.19263232895173132},{"text":"So we'd like to make sure you're aware of the information we hold on you.","start":1785.5651,"end":1788.525,"sentiment":"neutral","sentiment_score":0.08846433063348134},{"text":"So we'll get you to sign sign and return that back as well.","start":1788.525,"end":1791.75,"sentiment":"neutral","sentiment_score":0.2083426072047307},{"text":"And then there'll just be some other, you know, additional documents for you to run your eyes over as well, like the financial services guide.","start":1792.07,"end":1798.01,"sentiment":"neutral","sentiment_score":0.171419375538826}],"sentiment":"neutral","sentiment_score":0.16280953970778247,"num_words":92,"start":1776.2051,"end":1798.01},{"sentences":[{"text":"Okay?","start":1798.07,"end":1798.57,"sentiment":"neutral","sentiment_score":0.13599643111228943},{"text":"Easy.","start":1801.11,"end":1801.61,"sentiment":"positive","sentiment_score":0.5688976049423218},{"text":"Have I kinda touched on everything you wanted to touch on today?","start":1801.91,"end":1804.63,"sentiment":"neutral","sentiment_score":0.17391837015748024},{"text":"Is there anything additional you wanted me to or needed to ask while you have me here at all?","start":1804.63,"end":1809.325,"sentiment":"neutral","sentiment_score":0.013235326170137054},{"text":"Yeah.","start":1812.1849,"end":1812.6849,"sentiment":"neutral","sentiment_score":0.16115029156208038}],"sentiment":"neutral","sentiment_score":0.09425105784526643,"num_words":34,"start":1798.07,"end":1812.6849},{"sentences":[{"text":"Yes.","start":1814.1849,"end":1814.6849,"sentiment":"neutral","sentiment_score":0.04751250147819519},{"text":"Yeah.","start":1818.745,"end":1819.1449,"sentiment":"neutral","sentiment_score":0.21716095507144928},{"text":"Absolutely.","start":1819.1449,"end":1819.6449,"sentiment":"positive","sentiment_score":0.4937674403190613},{"text":"Oh, perfect.","start":1821.3201,"end":1822.14,"sentiment":"positive","sentiment_score":0.7592435479164124},{"text":"Well, thank you so much.","start":1822.2001,"end":1823.66,"sentiment":"positive","sentiment_score":0.788162100315094}],"sentiment":"positive","sentiment_score":0.6217738494277001,"num_words":10,"start":1814.1849,"end":1823.66},{"sentences":[{"text":"I'll get those emails out to you shortly.","start":1823.72,"end":1825.48,"sentiment":"positive","sentiment_score":0.5292156115174294},{"text":"And if you do have any questions, you're welcome to let me know.","start":1825.48,"end":1828.12,"sentiment":"positive","sentiment_score":0.37806923114336455},{"text":"Okay?","start":1828.12,"end":1828.62,"sentiment":"neutral","sentiment_score":0.2234937995672226},{"text":"Thanks so much.","start":1830.68,"end":1831.56,"sentiment":"positive","sentiment_score":0.8035024603207906},{"text":"I'll talk soon.","start":1831.56,"end":1832.7001,"sentiment":"positive","sentiment_score":0.47826777895291644}],"sentiment":"positive","sentiment_score":0.4720510505139828,"num_words":28,"start":1823.72,"end":1832.7001},{"sentences":[{"text":"See you later.","start":1832.8401,"end":1833.66,"sentiment":"positive","sentiment_score":0.3943716883659363},{"text":"Bye.","start":1834.52,"end":1835.02,"sentiment":"neutral","sentiment_score":-0.11089913547039032}],"sentiment":"neutral","sentiment_score":0.26805398240685463,"num_words":4,"start":1832.8401,"end":1835.02}]}}]},{"alternatives":[{"transcript":"Hello? Good. Yeah. Good. Thank you. Yeah. Now's a good time. Yeah. Yeah. Because they're in that day. Yeah. Yeah. Especially when you're working, you double time and a half, so happy days from that one. Yeah. That's fine. Southside William Eaton Watson. 30 83711 Barrow Street, Albert. Yep. No. Everything's all pretty good at the moment. So I'm probably to be honest, probably been avoiding it. Generally done. Since I got all the money out, I got the money out because then all works and all that sort of stuff. Yeah. I haven't really looked at it. But, yeah, just started building up and back into it again. Yeah. It's still ongoing at the moment. But, yeah, you got all the main work done. They're just looking after it, progress, sort of work, and just little bits and pieces. So that's been good. Yep. Yes. Yeah. Yes. I understand. I'm good. Yeah. Most of the jobs, I would say, has a lot of construction. Not every job goes for certain amount of time. You know? So I just work around. So you're currently up off on the line to the moment, so I just the sleep is a lot better. And then, yeah, this is the same thing. It's coming to the end of the job, so I'll just hang around till the end and then go get another job, couple of their date. We close, sort of thing. Oh, yeah. With my car and the workers, that much work going on. Yeah. I'll probably get about three, four job offers a week just to go up. So Yeah. I'll I'll wait and see. But, yeah, at the moment, not a pretty good number anyway, so it wouldn't hurt to put a bit more in there. So I'd be happy to have a look in that to see what's going on. It takes tax down or whatnot. Well, it's just so it seems because sometimes the wages fucking change. So, like, say, I'm working at North at the moment. I'll probably clear about a 3 and a half grand, and then when I go back express, you know, if you'd like to get, you know, 1,500 to a grand totaling. So they yeah. They just, like, fluctuate today and filling, and then, you know, I have a bit of money. I don't have a week or two option and so for a bit of a holiday filling. So wait wait wait for the time. Yep. Yeah. That that sounds like good. Because, yeah, about June time, then I'll have another couple of weeks and I'll sort of take it down on. Yeah. Yeah. Yeah. Yeah. That sounds right. Bye. Yeah. Yes. Yeah. It's probably going down about 300,000 at the moment. K? And then there's no debt on the card at all. And then probably got a credit card that's probably I'll just put I'll put it on a bank, wouldn't fall by the way, and then I'll just find that down. So that's on about 2 and a half grand at the so I'll probably clear that in a couple of weeks. Yeah. Yep. It's not high down on that. Yes. Yeah. Well, there's no no washrooms and all that or kids' rent and all that. So I'll probably just say, like, my brother or something like that or probably the oldest brother. It's normally where it goes. Anyway, even if a lot of people that don't have wheels at the time, I always go to the oldest, sorry, family member or whatnot. Yeah. Yeah. Yeah. I'll say that. Yep. Yep. No. I feel sorry. I'm laughing at the young age. So I know I thought, you know, if you're older, but it's always good to have one up. And then, you know, I'm not really good friends or boys and all that sort of stuff. And I don't know. I don't see them on a sort of basis sort of thing. Yep. So if I can't use my brother's or family or anything like that, who who shall I ever take? No. You don't wanna leave it to your fucking mate or something like that. Yeah. But yeah. Oh oh, that's fine. I wouldn't have anyone that relies on me financially, so I think. Yep. Yep. Yep. Yeah. That's good. Yeah. That's that's fine. So I'll be happy to do it that way. Yeah. Yeah. That way, they they just sorted out after that sort of thing, but hopefully not gonna happen. Yep. Probably just email sort of thing. Yeah. That way, I'll just sort of print it out, then I'll show it out with my or whatnot. Yep. No problem. Thank you. Yeah. I'll probably keep everything the same for now. Then just probably review it in, like, a year or or whatnot or six months or whatever. So I'm still pretty young at the moment, so not bad in any no disability at the moment. So it's good. Yeah. That's still about accurate. Yeah. Yep. Yep. Yeah. I probably might have reviewed that and upgrade it. So I think maybe about two years ago, the wages might have been a bit different back then, you know, where it sort of going up. So Yeah. No. It should be the same at the moment. Yeah. Yep. Yeah. Yeah. It's sending that out. That should be fine. I'll have a look at it sort of thing. Yep. Yeah. Yeah. You can, though. Yeah. That'd be fine. Yeah. Yeah. I'm just happy with whatever at the moment, but not at home since sure and all that sort of stuff. So very bit very much information at the moment. So Yep. Yeah. That sounds good. Once I have a look at something and right through it all, I'll get a better understanding of everything. So Yep. Yeah. That sounds good. Not really, but sort of like just stubs to work on. They sort of always got that cover in place anyway. Yep. Yeah. It's probably worth getting in the long run sort of thing and see how everything goes. You know? Yep. I'm I'm not too sure. But yeah. I'm just yeah. I'd say, yeah, if you stick it on the minimum for now sort of thing, and in six months, you just review it and then see how it goes after that. Yep. Yeah. That sounds fine. No. None at the moment. Sorry. Just a personal home contract and all that stuff, but that's all covered with home insurance anyway. I'll probably put that up in only 60,000 even though it's fucking so I don't have $60,000 that stuff. But just buy the covers everything. So I wish I had that charles amount. Yeah. I understand. That's what I'm saying. Once you have all gas, stay low, you can try all the tools and all the stuff you got in there. I got much a bit more than that. Yep. Yep. Yeah. That sounds right. No. Probably, like, handle it once. You know? If it's, like, 100 or $200, just sort of play around with it. You know? And then that's probably going down about $3 at the moment, so I didn't really do too good on that one. I'm not really done anything again with it. Yeah. It's still on 350 or something, so it's not really worth talking. It's not like a million dollars up yet. Alright, buddy. Yep. I don't think you're bothering me too much. You know? Because by the time you retire and the way the government case changed and everything, you'd like to get your retirement by the time you're saying a hundred and twenty. You know? Yeah. Yeah. Because I got probably another thirty years, probably, look at retirement sort of thing, I reckon. Yeah. Yep. Yeah. I'll probably say the middle risk there. I don't know if you guys see much of high risk and probably those things. No. I really they're bored money or friendly really. I don't know. I lost my money back, sort of thing. Just another fucking day that comes out. So I was getting that phase book good. Yeah. Investment probably is not pretty good at the time, but way faster we go at the moment just down through the roof. So looks like I got mine about seven years ago. So that's pretty much double the value at the moment, so I'm happy with that. Yeah. It's still a lot bigger out on it. Yep. Yep. Yeah. Yeah. It's good to get to where it is at the moment and then just sort of review it after that. Yep. Yeah. That sounds fun. Yep. Yep. I put this in a job on manual construction. I'm sorry for that CTO, I think. But, like, a million dollars probably about 30. I think. Yeah. Yeah. Yeah. Yeah. So we have to be in veteran, so I think You have to be done a lot of sort of work. I'm probably trying to get a second block or something like that. Just trying to, like, block land at the outside, you know, so it's a bit cheaper and then build it out from that. And then whatever you build on it, you know, adds value to it anyway. And I just rent out the pipe I got at the moment. So what did you wanna get in contact with about that stuff? Who do I call us building just the same number that's called now and just so I'm gonna be signing some of that tax and all that sort of stuff. Well, I've done a lot of tax returns for about four years, but I kept receipts and everything all the tax the same as ours. So it's probably a bit of money coming back and all that. But it just hasn't bothered me so, you know. Yeah. Yeah. No. I'm saying. Yep. No. Well, I haven't got one, so that's probably why. So I've probably stuck around and give you the minimum and just down there, it's not really worth it. Probably cost you more than what you get in return. Yeah. If you could say that, I'll definitely give them a call and there's another situation I'm in sort of thing, and then if they're happy to help out, you know, help me find them what's supposed to go right or whatnot. Yep. No. You're gonna sound good. Yep. Yep. Alright. Sounds good. Yep. That sounds good. Thank you. No. It's pretty much the you touched on every little subject you had going on there, so good. Probably, I'm gonna send my laboratory, and I'll speak fine. So whatnot, we'll just get through everything again. So, yeah, pretty happy with everything at the moment. Not a problem. Thank you. Alright. Thank you. 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Good. Yeah. Good. Thank you.\n\nYeah. Now's a good time. Yeah. Yeah. Because they're in that day.\n\nYeah. Yeah. Especially when you're working, you double time and a half, so happy days from that one. Yeah. That's fine.\n\nSouthside William Eaton Watson. 30 83711 Barrow Street, Albert. Yep. No. Everything's all pretty good at the moment.\n\nSo I'm probably to be honest, probably been avoiding it. Generally done. Since I got all the money out, I got the money out because then all works and all that sort of stuff. Yeah. I haven't really looked at it.\n\nBut, yeah, just started building up and back into it again. Yeah. It's still ongoing at the moment. But, yeah, you got all the main work done. They're just looking after it, progress, sort of work, and just little bits and pieces.\n\nSo that's been good. Yep. Yes. Yeah. Yes.\n\nI understand. I'm good. Yeah. Most of the jobs, I would say, has a lot of construction. Not every job goes for certain amount of time.\n\nYou know? So I just work around. So you're currently up off on the line to the moment, so I just the sleep is a lot better. And then, yeah, this is the same thing. It's coming to the end of the job, so I'll just hang around till the end and then go get another job, couple of their date.\n\nWe close, sort of thing. Oh, yeah. With my car and the workers, that much work going on. Yeah. I'll probably get about three, four job offers a week just to go up.\n\nSo Yeah. I'll I'll wait and see. But, yeah, at the moment, not a pretty good number anyway, so it wouldn't hurt to put a bit more in there. So I'd be happy to have a look in that to see what's going on. It takes tax down or whatnot.\n\nWell, it's just so it seems because sometimes the wages fucking change. So, like, say, I'm working at North at the moment. I'll probably clear about a 3 and a half grand, and then when I go back express, you know, if you'd like to get, you know, 1,500 to a grand totaling. So they yeah. They just, like, fluctuate today and filling, and then, you know, I have a bit of money.\n\nI don't have a week or two option and so for a bit of a holiday filling. So wait wait wait for the time. Yep. Yeah. That that sounds like good.\n\nBecause, yeah, about June time, then I'll have another couple of weeks and I'll sort of take it down on. Yeah. Yeah. Yeah. Yeah.\n\nThat sounds right. Bye. Yeah. Yes. Yeah.\n\nIt's probably going down about 300,000 at the moment. K? And then there's no debt on the card at all. And then probably got a credit card that's probably I'll just put I'll put it on a bank, wouldn't fall by the way, and then I'll just find that down. So that's on about 2 and a half grand at the so I'll probably clear that in a couple of weeks.\n\nYeah. Yep. It's not high down on that. Yes. Yeah.\n\nWell, there's no no washrooms and all that or kids' rent and all that. So I'll probably just say, like, my brother or something like that or probably the oldest brother. It's normally where it goes. Anyway, even if a lot of people that don't have wheels at the time, I always go to the oldest, sorry, family member or whatnot. Yeah.\n\nYeah. Yeah. I'll say that. Yep. Yep.\n\nNo. I feel sorry. I'm laughing at the young age. So I know I thought, you know, if you're older, but it's always good to have one up. And then, you know, I'm not really good friends or boys and all that sort of stuff.\n\nAnd I don't know. I don't see them on a sort of basis sort of thing. Yep. So if I can't use my brother's or family or anything like that, who who shall I ever take? No.\n\nYou don't wanna leave it to your fucking mate or something like that. Yeah. But yeah. Oh oh, that's fine. I wouldn't have anyone that relies on me financially, so I think.\n\nYep. Yep. Yep. Yeah. That's good.\n\nYeah. That's that's fine. So I'll be happy to do it that way. Yeah. Yeah.\n\nThat way, they they just sorted out after that sort of thing, but hopefully not gonna happen. Yep. Probably just email sort of thing. Yeah. That way, I'll just sort of print it out, then I'll show it out with my or whatnot.\n\nYep. No problem. Thank you. Yeah. I'll probably keep everything the same for now.\n\nThen just probably review it in, like, a year or or whatnot or six months or whatever. So I'm still pretty young at the moment, so not bad in any no disability at the moment. So it's good. Yeah. That's still about accurate.\n\nYeah. Yep. Yep. Yeah. I probably might have reviewed that and upgrade it.\n\nSo I think maybe about two years ago, the wages might have been a bit different back then, you know, where it sort of going up. So Yeah. No. It should be the same at the moment. Yeah.\n\nYep. Yeah. Yeah. It's sending that out. That should be fine.\n\nI'll have a look at it sort of thing. Yep. Yeah. Yeah. You can, though.\n\nYeah. That'd be fine. Yeah. Yeah. I'm just happy with whatever at the moment, but not at home since sure and all that sort of stuff.\n\nSo very bit very much information at the moment. So Yep. Yeah. That sounds good. Once I have a look at something and right through it all, I'll get a better understanding of everything.\n\nSo Yep. Yeah. That sounds good. Not really, but sort of like just stubs to work on. They sort of always got that cover in place anyway.\n\nYep. Yeah. It's probably worth getting in the long run sort of thing and see how everything goes. You know? Yep.\n\nI'm I'm not too sure. But yeah. I'm just yeah. I'd say, yeah, if you stick it on the minimum for now sort of thing, and in six months, you just review it and then see how it goes after that. Yep.\n\nYeah. That sounds fine. No. None at the moment. Sorry.\n\nJust a personal home contract and all that stuff, but that's all covered with home insurance anyway. I'll probably put that up in only 60,000 even though it's fucking so I don't have $60,000 that stuff. But just buy the covers everything. So I wish I had that charles amount. Yeah.\n\nI understand. That's what I'm saying. Once you have all gas, stay low, you can try all the tools and all the stuff you got in there. I got much a bit more than that. Yep.\n\nYep. Yeah. That sounds right. No. Probably, like, handle it once.\n\nYou know? If it's, like, 100 or $200, just sort of play around with it. You know? And then that's probably going down about $3 at the moment, so I didn't really do too good on that one. I'm not really done anything again with it.\n\nYeah. It's still on 350 or something, so it's not really worth talking. It's not like a million dollars up yet. Alright, buddy. Yep.\n\nI don't think you're bothering me too much. You know? Because by the time you retire and the way the government case changed and everything, you'd like to get your retirement by the time you're saying a hundred and twenty. You know? Yeah.\n\nYeah. Because I got probably another thirty years, probably, look at retirement sort of thing, I reckon. Yeah. Yep. Yeah.\n\nI'll probably say the middle risk there. I don't know if you guys see much of high risk and probably those things. No. I really they're bored money or friendly really. I don't know.\n\nI lost my money back, sort of thing. Just another fucking day that comes out. So I was getting that phase book good. Yeah. Investment probably is not pretty good at the time, but way faster we go at the moment just down through the roof.\n\nSo looks like I got mine about seven years ago. So that's pretty much double the value at the moment, so I'm happy with that. Yeah. It's still a lot bigger out on it. Yep.\n\nYep. Yeah. Yeah. It's good to get to where it is at the moment and then just sort of review it after that. Yep.\n\nYeah. That sounds fun. Yep. Yep. I put this in a job on manual construction.\n\nI'm sorry for that CTO, I think. But, like, a million dollars probably about 30. I think. Yeah. Yeah.\n\nYeah. Yeah. So we have to be in veteran, so I think You have to be done a lot of sort of work. I'm probably trying to get a second block or something like that. Just trying to, like, block land at the outside, you know, so it's a bit cheaper and then build it out from that.\n\nAnd then whatever you build on it, you know, adds value to it anyway. And I just rent out the pipe I got at the moment. So what did you wanna get in contact with about that stuff? Who do I call us building just the same number that's called now and just so I'm gonna be signing some of that tax and all that sort of stuff. Well, I've done a lot of tax returns for about four years, but I kept receipts and everything all the tax the same as ours.\n\nSo it's probably a bit of money coming back and all that. But it just hasn't bothered me so, you know. Yeah. Yeah. No.\n\nI'm saying. Yep. No. Well, I haven't got one, so that's probably why. So I've probably stuck around and give you the minimum and just down there, it's not really worth it.\n\nProbably cost you more than what you get in return. Yeah. If you could say that, I'll definitely give them a call and there's another situation I'm in sort of thing, and then if they're happy to help out, you know, help me find them what's supposed to go right or whatnot. Yep. No.\n\nYou're gonna sound good. Yep. Yep. Alright. Sounds good.\n\nYep. That sounds good. Thank you. No. It's pretty much the you touched on every little subject you had going on there, so good.\n\nProbably, I'm gonna send my laboratory, and I'll speak fine. So whatnot, we'll just get through everything again. So, yeah, pretty happy with everything at the moment. Not a problem. Thank you.\n\nAlright. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.032931387424468994},{"text":"Good.","start":3.04,"end":3.54,"sentiment":"neutral","sentiment_score":0.3300217092037201},{"text":"Yeah.","start":5.04,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.292488157749176},{"text":"Good.","start":5.3599997,"end":5.52,"sentiment":"positive","sentiment_score":0.5789411664009094},{"text":"Thank you.","start":5.52,"end":6.3399997,"sentiment":"positive","sentiment_score":0.6810475289821625}],"sentiment":"positive","sentiment_score":0.4327462464570999,"num_words":6,"start":0.56,"end":6.3399997},{"sentences":[{"text":"Yeah.","start":11.5199995,"end":11.84,"sentiment":"neutral","sentiment_score":0.27884820103645325},{"text":"Now's a good time.","start":11.84,"end":12.639999,"sentiment":"positive","sentiment_score":0.48063360154628754},{"text":"Yeah.","start":12.639999,"end":13.139999,"sentiment":"neutral","sentiment_score":0.20373772084712985},{"text":"Yeah.","start":17.725,"end":18.125,"sentiment":"neutral","sentiment_score":0.04588477313518524},{"text":"Because they're in that day.","start":18.125,"end":19.745,"sentiment":"neutral","sentiment_score":0.06125747114419937}],"sentiment":"neutral","sentiment_score":0.2297743714104096,"num_words":12,"start":11.5199995,"end":19.745},{"sentences":[{"text":"Yeah.","start":26.125,"end":26.365,"sentiment":"neutral","sentiment_score":0.09231482446193696},{"text":"Yeah.","start":26.365,"end":26.845001,"sentiment":"neutral","sentiment_score":0.12255315482616425},{"text":"Especially when you're working, you double time and a half, so happy days from that one.","start":26.845001,"end":40.852,"sentiment":"neutral","sentiment_score":0.12813244899734855},{"text":"Yeah.","start":43.04,"end":43.2,"sentiment":"neutral","sentiment_score":0.1372525542974472},{"text":"That's fine.","start":43.2,"end":43.905,"sentiment":"neutral","sentiment_score":0.2699332982301712}],"sentiment":"neutral","sentiment_score":0.1401003006668318,"num_words":21,"start":26.125,"end":43.905},{"sentences":[{"text":"Southside William Eaton Watson.","start":53.024998,"end":54.565,"sentiment":"neutral","sentiment_score":0.01757781603373587},{"text":"30 83711 Barrow Street, Albert.","start":55.105,"end":58.769997,"sentiment":"neutral","sentiment_score":0.024501193687319754},{"text":"Yep.","start":74.835,"end":75.335,"sentiment":"neutral","sentiment_score":0.11956681311130524},{"text":"No.","start":86.64,"end":86.88,"sentiment":"neutral","sentiment_score":-0.10580071061849594},{"text":"Everything's all pretty good at the moment.","start":86.88,"end":88.82,"sentiment":"neutral","sentiment_score":0.05799703938620431}],"sentiment":"neutral","sentiment_score":0.03403125615376565,"num_words":18,"start":53.024998,"end":88.82},{"sentences":[{"text":"So I'm probably to be honest, probably been avoiding it.","start":88.96,"end":97.905,"sentiment":"neutral","sentiment_score":-0.0906977728009224},{"text":"Generally done.","start":98.145,"end":99.104996,"sentiment":"neutral","sentiment_score":-0.007678156718611717},{"text":"Since I got all the money out, I got the money out because then all works and all that sort of stuff.","start":99.104996,"end":104.165,"sentiment":"neutral","sentiment_score":0.09048700112510812},{"text":"Yeah.","start":104.305,"end":104.545,"sentiment":"neutral","sentiment_score":0.05974140018224716},{"text":"I haven't really looked at it.","start":104.545,"end":105.924995,"sentiment":"neutral","sentiment_score":0.0011758195857206981}],"sentiment":"neutral","sentiment_score":0.027687226853719573,"num_words":41,"start":88.96,"end":105.924995},{"sentences":[{"text":"But, yeah, just started building up and back into it again.","start":106.305,"end":109.604996,"sentiment":"neutral","sentiment_score":0.08271110159429637},{"text":"Yeah.","start":116.78,"end":117.02,"sentiment":"neutral","sentiment_score":0.09207963943481444},{"text":"It's still ongoing at the moment.","start":117.02,"end":118.939995,"sentiment":"neutral","sentiment_score":0.04029783854881922},{"text":"But, yeah, you got all the main work done.","start":118.939995,"end":120.78,"sentiment":"neutral","sentiment_score":0.12385961082246569},{"text":"They're just looking after it, progress, sort of work, and just little bits and pieces.","start":120.78,"end":125.515,"sentiment":"neutral","sentiment_score":0.07571855460604032}],"sentiment":"neutral","sentiment_score":0.08319532392280442,"num_words":42,"start":106.305,"end":125.515},{"sentences":[{"text":"So that's been good.","start":125.515,"end":127.455,"sentiment":"neutral","sentiment_score":0.3248358964920044},{"text":"Yep.","start":138.31,"end":138.81,"sentiment":"neutral","sentiment_score":0.10261733829975128},{"text":"Yes.","start":158.08499,"end":158.58499,"sentiment":"positive","sentiment_score":0.34902286529541016},{"text":"Yeah.","start":175.545,"end":176.045,"sentiment":"neutral","sentiment_score":0.20153816044330597},{"text":"Yes.","start":182.825,"end":183.22499,"sentiment":"neutral","sentiment_score":0.25036412477493286}],"sentiment":"neutral","sentiment_score":0.27536075934767723,"num_words":8,"start":125.515,"end":183.22499},{"sentences":[{"text":"I understand.","start":183.22499,"end":183.70499,"sentiment":"neutral","sentiment_score":0.26424388587474823},{"text":"I'm good.","start":183.70499,"end":184.36499,"sentiment":"positive","sentiment_score":0.45787033438682556},{"text":"Yeah.","start":195.87999,"end":196.12,"sentiment":"neutral","sentiment_score":0.04118833690881729},{"text":"Most of the jobs, I would say, has a lot of construction.","start":196.12,"end":198.37999,"sentiment":"neutral","sentiment_score":0.05947255870948235},{"text":"Not every job goes for certain amount of time.","start":199.31999,"end":203.055,"sentiment":"neutral","sentiment_score":0.01680119749572542}],"sentiment":"neutral","sentiment_score":0.09039608690028007,"num_words":26,"start":183.22499,"end":203.055},{"sentences":[{"text":"You know?","start":203.055,"end":203.375,"sentiment":"neutral","sentiment_score":0.016544410958886147},{"text":"So I just work around.","start":203.375,"end":204.495,"sentiment":"neutral","sentiment_score":0.030949868634343146},{"text":"So you're currently up off on the line to the moment, so I just the sleep is a lot better.","start":204.495,"end":208.675,"sentiment":"neutral","sentiment_score":0.23493866641074418},{"text":"And then, yeah, this is the same thing.","start":209.375,"end":211.215,"sentiment":"neutral","sentiment_score":0.06815785495564342},{"text":"It's coming to the end of the job, so I'll just hang around till the end and then go get another job, couple of their date.","start":211.215,"end":216.32,"sentiment":"neutral","sentiment_score":0.03138701782490198}],"sentiment":"neutral","sentiment_score":0.10242519338355689,"num_words":61,"start":203.055,"end":216.32},{"sentences":[{"text":"We close, sort of thing.","start":216.32,"end":217.62001,"sentiment":"neutral","sentiment_score":0.006519269570708275},{"text":"Oh, yeah.","start":227.68001,"end":228.195,"sentiment":"neutral","sentiment_score":0.11186962947249413},{"text":"With my car and the workers, that much work going on.","start":228.27501,"end":230.675,"sentiment":"neutral","sentiment_score":0.11363752795891328},{"text":"Yeah.","start":230.675,"end":230.91501,"sentiment":"neutral","sentiment_score":0.2357405573129654},{"text":"I'll probably get about three, four job offers a week just to go up.","start":230.91501,"end":234.035,"sentiment":"neutral","sentiment_score":0.26683925837278366}],"sentiment":"neutral","sentiment_score":0.1659951087538943,"num_words":33,"start":216.32,"end":234.035},{"sentences":[{"text":"So Yeah.","start":234.035,"end":257.105,"sentiment":"neutral","sentiment_score":0.22928832471370697},{"text":"I'll I'll wait and see.","start":257.105,"end":258.86502,"sentiment":"neutral","sentiment_score":0.004126956919208169},{"text":"But, yeah, at the moment, not a pretty good number anyway, so it wouldn't hurt to put a bit more in there.","start":258.86502,"end":263.745,"sentiment":"neutral","sentiment_score":-0.06132454933090643},{"text":"So I'd be happy to have a look in that to see what's going on.","start":263.745,"end":268.0,"sentiment":"neutral","sentiment_score":0.131389266004165},{"text":"It takes tax down or whatnot.","start":268.0,"end":269.86002,"sentiment":"neutral","sentiment_score":-0.008241772574062148}],"sentiment":"neutral","sentiment_score":0.02102919406723231,"num_words":50,"start":234.035,"end":269.86002},{"sentences":[{"text":"Well, it's just so it seems because sometimes the wages fucking change.","start":278.24,"end":282.70502,"sentiment":"neutral","sentiment_score":-0.09501044069232496},{"text":"So, like, say, I'm working at North at the moment.","start":282.70502,"end":285.20502,"sentiment":"neutral","sentiment_score":-0.03737375717610121},{"text":"I'll probably clear about a 3 and a half grand, and then when I go back express, you know, if you'd like to get, you know, 1,500 to a grand totaling.","start":285.505,"end":292.325,"sentiment":"neutral","sentiment_score":0.0017523969854077986},{"text":"So they yeah.","start":293.265,"end":296.87997,"sentiment":"neutral","sentiment_score":-0.03977975559731325},{"text":"They just, like, fluctuate today and filling, and then, you know, I have a bit of money.","start":296.87997,"end":300.63998,"sentiment":"neutral","sentiment_score":-0.06080907890025307}],"sentiment":"neutral","sentiment_score":-0.035789481665993314,"num_words":73,"start":278.24,"end":300.63998},{"sentences":[{"text":"I don't have a week or two option and so for a bit of a holiday filling.","start":300.63998,"end":304.41998,"sentiment":"neutral","sentiment_score":-0.0904661741326837},{"text":"So wait wait wait for the time.","start":305.28,"end":316.035,"sentiment":"neutral","sentiment_score":0.009245239996484347},{"text":"Yep.","start":316.035,"end":316.535,"sentiment":"neutral","sentiment_score":0.056307997554540634},{"text":"Yeah.","start":331.415,"end":331.73502,"sentiment":"neutral","sentiment_score":0.12167433649301528},{"text":"That that sounds like good.","start":331.73502,"end":333.255,"sentiment":"neutral","sentiment_score":0.30495924353599546}],"sentiment":"neutral","sentiment_score":0.007405492627332289,"num_words":31,"start":300.63998,"end":333.255},{"sentences":[{"text":"Because, yeah, about June time, then I'll have another couple of weeks and I'll sort of take it down on.","start":333.255,"end":337.575,"sentiment":"neutral","sentiment_score":0.0834434125572443},{"text":"Yeah.","start":337.575,"end":338.075,"sentiment":"neutral","sentiment_score":0.1037556380033493},{"text":"Yeah.","start":344.76,"end":345.26,"sentiment":"neutral","sentiment_score":0.08248776197433472},{"text":"Yeah.","start":349.56,"end":350.06,"sentiment":"neutral","sentiment_score":0.1110936850309372},{"text":"Yeah.","start":350.84,"end":351.0,"sentiment":"neutral","sentiment_score":0.250378280878067}],"sentiment":"neutral","sentiment_score":0.09235765070964892,"num_words":24,"start":333.255,"end":351.0},{"sentences":[{"text":"That sounds right.","start":351.0,"end":351.96002,"sentiment":"positive","sentiment_score":0.509682834148407},{"text":"Bye.","start":351.96002,"end":352.46002,"sentiment":"positive","sentiment_score":0.4016514718532562},{"text":"Yeah.","start":353.48,"end":353.98,"sentiment":"neutral","sentiment_score":0.325416624546051},{"text":"Yes.","start":362.725,"end":363.225,"sentiment":"neutral","sentiment_score":0.018465563654899597},{"text":"Yeah.","start":383.86002,"end":384.18002,"sentiment":"neutral","sentiment_score":0.0013005081564188004}],"sentiment":"neutral","sentiment_score":0.3251260958079781,"num_words":7,"start":351.0,"end":384.18002},{"sentences":[{"text":"It's probably going down about 300,000 at the moment.","start":384.18002,"end":387.155,"sentiment":"neutral","sentiment_score":-0.020229388752745256},{"text":"K?","start":387.375,"end":387.875,"sentiment":"neutral","sentiment_score":0.036620303988456726},{"text":"And then there's no debt on the card at all.","start":388.495,"end":391.155,"sentiment":"neutral","sentiment_score":0.2042364664375782},{"text":"And then probably got a credit card that's probably I'll just put I'll put it on a bank, wouldn't fall by the way, and then I'll just find that down.","start":392.415,"end":398.995,"sentiment":"neutral","sentiment_score":0.05461840700979034},{"text":"So that's on about 2 and a half grand at the so I'll probably clear that in a couple of weeks.","start":399.055,"end":403.69998,"sentiment":"neutral","sentiment_score":0.06164240641962914}],"sentiment":"neutral","sentiment_score":0.06802765091120357,"num_words":71,"start":384.18002,"end":403.69998},{"sentences":[{"text":"Yeah.","start":408.0,"end":408.5,"sentiment":"neutral","sentiment_score":0.20596563816070557},{"text":"Yep.","start":433.71,"end":434.21,"sentiment":"neutral","sentiment_score":0.07160906493663788},{"text":"It's not high down on that.","start":439.78998,"end":441.315,"sentiment":"neutral","sentiment_score":-0.12312581886847813},{"text":"Yes.","start":455.475,"end":455.85,"sentiment":"neutral","sentiment_score":0.026653528213500977},{"text":"Yeah.","start":463.29,"end":463.79,"sentiment":"neutral","sentiment_score":0.029586896300315857}],"sentiment":"neutral","sentiment_score":-0.040493978559970854,"num_words":10,"start":408.0,"end":463.79},{"sentences":[{"text":"Well, there's no no washrooms and all that or kids' rent and all that.","start":467.85,"end":472.545,"sentiment":"neutral","sentiment_score":-0.031448172006223886},{"text":"So I'll probably just say, like, my brother or something like that or probably the oldest brother.","start":472.545,"end":478.385,"sentiment":"neutral","sentiment_score":0.011373557917335454},{"text":"It's normally where it goes.","start":478.385,"end":479.685,"sentiment":"neutral","sentiment_score":0.011986802518367767},{"text":"Anyway, even if a lot of people that don't have wheels at the time, I always go to the oldest, sorry, family member or whatnot.","start":480.625,"end":486.68,"sentiment":"neutral","sentiment_score":-0.03626818083226681},{"text":"Yeah.","start":491.38,"end":491.88,"sentiment":"neutral","sentiment_score":0.01372478064149618}],"sentiment":"neutral","sentiment_score":-0.017418865339770433,"num_words":62,"start":467.85,"end":491.88},{"sentences":[{"text":"Yeah.","start":493.78,"end":494.09998,"sentiment":"neutral","sentiment_score":0.023944512009620667},{"text":"Yeah.","start":494.09998,"end":494.34,"sentiment":"neutral","sentiment_score":0.026979990303516388},{"text":"I'll say that.","start":494.34,"end":495.31998,"sentiment":"neutral","sentiment_score":0.025493404517571133},{"text":"Yep.","start":506.115,"end":506.615,"sentiment":"neutral","sentiment_score":0.08433692157268524},{"text":"Yep.","start":525.29004,"end":525.79004,"sentiment":"neutral","sentiment_score":0.08584438264369965}],"sentiment":"neutral","sentiment_score":0.042512288583176475,"num_words":7,"start":493.78,"end":525.79004},{"sentences":[{"text":"No.","start":531.525,"end":532.025,"sentiment":"neutral","sentiment_score":-0.17368461191654205},{"text":"I feel sorry.","start":532.405,"end":533.28503,"sentiment":"neutral","sentiment_score":-0.28463516632715863},{"text":"I'm laughing at the young age.","start":533.28503,"end":534.565,"sentiment":"neutral","sentiment_score":-0.2524309704701106},{"text":"So I know I thought, you know, if you're older, but it's always good to have one up.","start":534.565,"end":538.325,"sentiment":"neutral","sentiment_score":0.011287162908249432},{"text":"And then, you know, I'm not really good friends or boys and all that sort of stuff.","start":538.325,"end":542.245,"sentiment":"neutral","sentiment_score":-0.19930948404704824}],"sentiment":"neutral","sentiment_score":-0.12727262733711137,"num_words":45,"start":531.525,"end":542.245},{"sentences":[{"text":"And I don't know.","start":542.245,"end":543.33997,"sentiment":"neutral","sentiment_score":-0.1897949054837227},{"text":"I don't see them on a sort of basis sort of thing.","start":543.33997,"end":546.96,"sentiment":"neutral","sentiment_score":-0.15095174498856068},{"text":"Yep.","start":551.9,"end":552.4,"sentiment":"neutral","sentiment_score":0.12078311294317244},{"text":"So if I can't use my brother's or family or anything like that, who who shall I ever take?","start":556.985,"end":562.02496,"sentiment":"neutral","sentiment_score":-0.12149069624903955},{"text":"No.","start":562.02496,"end":562.105,"sentiment":"neutral","sentiment_score":-0.3229508399963379}],"sentiment":"neutral","sentiment_score":-0.13732679777250095,"num_words":37,"start":542.245,"end":562.105},{"sentences":[{"text":"You don't wanna leave it to your fucking mate or something like that.","start":562.105,"end":564.76495,"sentiment":"negative","sentiment_score":-0.4669625736199893},{"text":"Yeah.","start":588.69495,"end":589.095,"sentiment":"neutral","sentiment_score":-0.033788371831178665},{"text":"But yeah.","start":589.095,"end":590.07495,"sentiment":"neutral","sentiment_score":-0.009582973085343838},{"text":"Oh oh, that's fine.","start":590.21497,"end":591.175,"sentiment":"neutral","sentiment_score":0.0608806018717587},{"text":"I wouldn't have anyone that relies on me financially, so I think.","start":591.175,"end":594.39496,"sentiment":"neutral","sentiment_score":-0.21808302899201712}],"sentiment":"neutral","sentiment_score":-0.26552942860871553,"num_words":32,"start":562.105,"end":594.39496},{"sentences":[{"text":"Yep.","start":599.51,"end":600.01,"sentiment":"neutral","sentiment_score":0.08952587842941284},{"text":"Yep.","start":617.84503,"end":618.34503,"sentiment":"neutral","sentiment_score":0.06089599058032036},{"text":"Yep.","start":628.63,"end":629.13,"sentiment":"neutral","sentiment_score":0.16642533242702484},{"text":"Yeah.","start":652.47003,"end":652.71,"sentiment":"neutral","sentiment_score":0.21302497386932373},{"text":"That's good.","start":652.71,"end":653.45,"sentiment":"positive","sentiment_score":0.38352683186531067}],"sentiment":"neutral","sentiment_score":0.2161543065061172,"num_words":6,"start":599.51,"end":653.45},{"sentences":[{"text":"Yeah.","start":664.115,"end":664.355,"sentiment":"neutral","sentiment_score":0.14009305834770203},{"text":"That's that's fine.","start":664.355,"end":665.415,"sentiment":"neutral","sentiment_score":0.2315136045217514},{"text":"So I'll be happy to do it that way.","start":666.435,"end":668.055,"sentiment":"positive","sentiment_score":0.5949603683418698},{"text":"Yeah.","start":675.07495,"end":675.31494,"sentiment":"neutral","sentiment_score":0.2046314477920532},{"text":"Yeah.","start":675.31494,"end":675.555,"sentiment":"neutral","sentiment_score":0.18477872014045715}],"sentiment":"positive","sentiment_score":0.43857915699481964,"num_words":15,"start":664.115,"end":675.555},{"sentences":[{"text":"That way, they they just sorted out after that sort of thing, but hopefully not gonna happen.","start":675.555,"end":690.76,"sentiment":"neutral","sentiment_score":0.1318564187077915},{"text":"Yep.","start":690.76,"end":691.125,"sentiment":"neutral","sentiment_score":0.024399980902671817},{"text":"Probably just email sort of thing.","start":701.925,"end":703.945,"sentiment":"neutral","sentiment_score":0.029105557904889185},{"text":"Yeah.","start":705.39996,"end":705.63995,"sentiment":"positive","sentiment_score":0.3568204641342163},{"text":"That way, I'll just sort of print it out, then I'll show it out with my or whatnot.","start":705.63995,"end":709.33997,"sentiment":"neutral","sentiment_score":0.32738134844435585}],"sentiment":"neutral","sentiment_score":0.2020994693603973,"num_words":43,"start":675.555,"end":709.33997},{"sentences":[{"text":"Yep.","start":719.83496,"end":720.07495,"sentiment":"neutral","sentiment_score":0.18399563431739807},{"text":"No problem.","start":720.07495,"end":720.71497,"sentiment":"neutral","sentiment_score":0.326660692691803},{"text":"Thank you.","start":720.71497,"end":721.45496,"sentiment":"positive","sentiment_score":0.504229336977005},{"text":"Yeah.","start":734.92,"end":735.16,"sentiment":"neutral","sentiment_score":0.05204314738512039},{"text":"I'll probably keep everything the same for now.","start":735.16,"end":737.48,"sentiment":"neutral","sentiment_score":0.055286563001573086}],"sentiment":"neutral","sentiment_score":0.1671508103609085,"num_words":14,"start":719.83496,"end":737.48},{"sentences":[{"text":"Then just probably review it in, like, a year or or whatnot or six months or whatever.","start":737.48,"end":741.42,"sentiment":"neutral","sentiment_score":-0.0012656814857002568},{"text":"So I'm still pretty young at the moment, so not bad in any no disability at the moment.","start":742.83997,"end":752.83496,"sentiment":"neutral","sentiment_score":-0.03548622917797831},{"text":"So it's good.","start":754.93494,"end":757.935,"sentiment":"neutral","sentiment_score":0.1638300120830536},{"text":"Yeah.","start":757.935,"end":758.255,"sentiment":"neutral","sentiment_score":0.020984910428524017},{"text":"That's still about accurate.","start":758.255,"end":763.29,"sentiment":"neutral","sentiment_score":0.05222010146826506}],"sentiment":"neutral","sentiment_score":0.0014206195834937485,"num_words":43,"start":737.48,"end":763.29},{"sentences":[{"text":"Yeah.","start":763.29,"end":763.79,"sentiment":"neutral","sentiment_score":0.06565994024276733},{"text":"Yep.","start":778.075,"end":778.575,"sentiment":"neutral","sentiment_score":0.012303757481276987},{"text":"Yep.","start":790.95,"end":791.45,"sentiment":"neutral","sentiment_score":-0.002365841530263424},{"text":"Yeah.","start":794.70996,"end":795.02997,"sentiment":"neutral","sentiment_score":-0.00029650796204805374},{"text":"I probably might have reviewed that and upgrade it.","start":795.02997,"end":797.26996,"sentiment":"neutral","sentiment_score":-0.00008847310932146198}],"sentiment":"neutral","sentiment_score":0.00573116078829536,"num_words":13,"start":763.29,"end":797.26996},{"sentences":[{"text":"So I think maybe about two years ago, the wages might have been a bit different back then, you know, where it sort of going up.","start":797.26996,"end":809.495,"sentiment":"neutral","sentiment_score":-0.039736959617584944},{"text":"So Yeah.","start":809.495,"end":823.70996,"sentiment":"neutral","sentiment_score":-0.04276090208441019},{"text":"No.","start":823.70996,"end":824.02997,"sentiment":"neutral","sentiment_score":-0.1284475326538086},{"text":"It should be the same at the moment.","start":824.02997,"end":825.47,"sentiment":"neutral","sentiment_score":-0.1377529539167881},{"text":"Yeah.","start":825.47,"end":825.97,"sentiment":"neutral","sentiment_score":0.04750976711511612}],"sentiment":"neutral","sentiment_score":-0.060569582923658584,"num_words":38,"start":797.26996,"end":825.97},{"sentences":[{"text":"Yep.","start":833.245,"end":833.745,"sentiment":"neutral","sentiment_score":0.12016352266073228},{"text":"Yeah.","start":845.71,"end":846.03,"sentiment":"neutral","sentiment_score":0.06377539038658142},{"text":"Yeah.","start":846.03,"end":846.27,"sentiment":"neutral","sentiment_score":0.07842818647623062},{"text":"It's sending that out.","start":846.27,"end":847.31,"sentiment":"neutral","sentiment_score":0.13966036587953568},{"text":"That should be fine.","start":847.31,"end":848.03,"sentiment":"neutral","sentiment_score":0.28616926446557045}],"sentiment":"neutral","sentiment_score":0.17869869280945172,"num_words":11,"start":833.245,"end":848.03},{"sentences":[{"text":"I'll have a look at it sort of thing.","start":848.03,"end":849.65,"sentiment":"neutral","sentiment_score":0.0664133843448427},{"text":"Yep.","start":875.43,"end":875.93,"sentiment":"neutral","sentiment_score":0.0967772901058197},{"text":"Yeah.","start":880.525,"end":881.025,"sentiment":"neutral","sentiment_score":-0.04494728147983551},{"text":"Yeah.","start":883.005,"end":883.325,"sentiment":"neutral","sentiment_score":-0.00422658771276474},{"text":"You can, though.","start":883.325,"end":883.965,"sentiment":"neutral","sentiment_score":-0.008329606925447782}],"sentiment":"neutral","sentiment_score":0.041355670616030696,"num_words":15,"start":848.03,"end":883.965},{"sentences":[{"text":"Yeah.","start":883.965,"end":884.125,"sentiment":"neutral","sentiment_score":0.030469145625829697},{"text":"That'd be fine.","start":884.125,"end":885.025,"sentiment":"neutral","sentiment_score":0.08373174568017323},{"text":"Yeah.","start":931.54004,"end":932.04004,"sentiment":"neutral","sentiment_score":0.0482272133231163},{"text":"Yeah.","start":932.10004,"end":932.34,"sentiment":"neutral","sentiment_score":0.07323707640171051},{"text":"I'm just happy with whatever at the moment, but not at home since sure and all that sort of stuff.","start":932.34,"end":938.40497,"sentiment":"neutral","sentiment_score":0.08112227916717529}],"sentiment":"neutral","sentiment_score":0.07790670214364162,"num_words":26,"start":883.965,"end":938.40497},{"sentences":[{"text":"So very bit very much information at the moment.","start":939.425,"end":942.305,"sentiment":"neutral","sentiment_score":0.027477168581551976},{"text":"So Yep.","start":942.305,"end":949.13,"sentiment":"neutral","sentiment_score":0.04132361523807049},{"text":"Yeah.","start":964.655,"end":964.97504,"sentiment":"neutral","sentiment_score":0.15283066034317017},{"text":"That sounds good.","start":964.97504,"end":965.93506,"sentiment":"neutral","sentiment_score":0.30928852160771686},{"text":"Once I have a look at something and right through it all, I'll get a better understanding of everything.","start":965.93506,"end":969.955,"sentiment":"neutral","sentiment_score":0.03704594693293697}],"sentiment":"neutral","sentiment_score":0.062191498958889174,"num_words":34,"start":939.425,"end":969.955},{"sentences":[{"text":"So Yep.","start":970.015,"end":987.735,"sentiment":"neutral","sentiment_score":0.05166527070105076},{"text":"Yeah.","start":989.495,"end":989.815,"sentiment":"neutral","sentiment_score":0.19956518709659576},{"text":"That sounds good.","start":989.815,"end":990.875,"sentiment":"positive","sentiment_score":0.554766575495402},{"text":"Not really, but sort of like just stubs to work on.","start":1001.65497,"end":1005.44995,"sentiment":"neutral","sentiment_score":-0.23501160469922153},{"text":"They sort of always got that cover in place anyway.","start":1005.44995,"end":1007.79,"sentiment":"neutral","sentiment_score":-0.1619085356593132}],"sentiment":"neutral","sentiment_score":-0.08285250197406169,"num_words":27,"start":970.015,"end":1007.79},{"sentences":[{"text":"Yep.","start":1022.39496,"end":1022.89496,"sentiment":"neutral","sentiment_score":-0.10066136717796326},{"text":"Yeah.","start":1033.83,"end":1033.99,"sentiment":"neutral","sentiment_score":-0.06917361915111542},{"text":"It's probably worth getting in the long run sort of thing and see how everything goes.","start":1033.99,"end":1037.59,"sentiment":"neutral","sentiment_score":-0.16621245490387082},{"text":"You know?","start":1037.59,"end":1038.17,"sentiment":"neutral","sentiment_score":-0.08316251263022423},{"text":"Yep.","start":1051.015,"end":1051.515,"sentiment":"neutral","sentiment_score":0.07064241170883179}],"sentiment":"neutral","sentiment_score":-0.13928175611155375,"num_words":21,"start":1022.39496,"end":1051.515},{"sentences":[{"text":"I'm I'm not too sure.","start":1062.79,"end":1064.25,"sentiment":"neutral","sentiment_score":-0.1251671388745308},{"text":"But yeah.","start":1065.35,"end":1065.99,"sentiment":"neutral","sentiment_score":-0.027345817536115646},{"text":"I'm just yeah.","start":1065.99,"end":1071.27,"sentiment":"neutral","sentiment_score":0.012163727621858323},{"text":"I'd say, yeah, if you stick it on the minimum for now sort of thing, and in six months, you just review it and then see how it goes after that.","start":1071.27,"end":1077.345,"sentiment":"neutral","sentiment_score":0.021509194205845555},{"text":"Yep.","start":1103.2949,"end":1103.7949,"sentiment":"neutral","sentiment_score":0.09886135160923004}],"sentiment":"neutral","sentiment_score":0.0028954815574079042,"num_words":42,"start":1062.79,"end":1103.7949},{"sentences":[{"text":"Yeah.","start":1104.1749,"end":1104.495,"sentiment":"neutral","sentiment_score":0.10355621576309204},{"text":"That sounds fine.","start":1104.495,"end":1105.475,"sentiment":"neutral","sentiment_score":0.2693870464960734},{"text":"No.","start":1118.75,"end":1119.07,"sentiment":"neutral","sentiment_score":-0.09332318603992462},{"text":"None at the moment.","start":1119.07,"end":1120.11,"sentiment":"neutral","sentiment_score":-0.10292943753302097},{"text":"Sorry.","start":1120.11,"end":1120.51,"sentiment":"neutral","sentiment_score":-0.10111889988183977}],"sentiment":"neutral","sentiment_score":0.0305557519197464,"num_words":10,"start":1104.1749,"end":1120.51},{"sentences":[{"text":"Just a personal home contract and all that stuff, but that's all covered with home insurance anyway.","start":1120.51,"end":1124.85,"sentiment":"neutral","sentiment_score":-0.03466929971952649},{"text":"I'll probably put that up in only 60,000 even though it's fucking so I don't have $60,000 that stuff.","start":1132.325,"end":1138.985,"sentiment":"neutral","sentiment_score":-0.18685596867611534},{"text":"But just buy the covers everything.","start":1139.4,"end":1141.26,"sentiment":"neutral","sentiment_score":-0.08554041634003322},{"text":"So I wish I had that charles amount.","start":1142.28,"end":1144.3,"sentiment":"neutral","sentiment_score":-0.02543780393898487},{"text":"Yeah.","start":1158.025,"end":1158.345,"sentiment":"neutral","sentiment_score":0.005871059373021126}],"sentiment":"neutral","sentiment_score":-0.09510814451484703,"num_words":51,"start":1120.51,"end":1158.345},{"sentences":[{"text":"I understand.","start":1158.345,"end":1158.925,"sentiment":"neutral","sentiment_score":0.0011466769501566887},{"text":"That's what I'm saying.","start":1159.625,"end":1160.425,"sentiment":"neutral","sentiment_score":-0.017421658092644066},{"text":"Once you have all gas, stay low, you can try all the tools and all the stuff you got in there.","start":1160.425,"end":1164.605,"sentiment":"neutral","sentiment_score":0.009109033981249445},{"text":"I got much a bit more than that.","start":1165.225,"end":1166.7,"sentiment":"neutral","sentiment_score":-0.009167767129838467},{"text":"Yep.","start":1180.545,"end":1181.045,"sentiment":"neutral","sentiment_score":-0.056993402540683746}],"sentiment":"neutral","sentiment_score":-0.0001788640123171111,"num_words":36,"start":1158.345,"end":1181.045},{"sentences":[{"text":"Yep.","start":1191.425,"end":1191.925,"sentiment":"neutral","sentiment_score":0.0928974151611328},{"text":"Yeah.","start":1198.09,"end":1198.33,"sentiment":"neutral","sentiment_score":0.17468832433223724},{"text":"That sounds right.","start":1198.33,"end":1199.5499,"sentiment":"neutral","sentiment_score":0.30039353171984357},{"text":"No.","start":1218.5851,"end":1218.905,"sentiment":"neutral","sentiment_score":-0.1867484748363495},{"text":"Probably, like, handle it once.","start":1218.905,"end":1220.68,"sentiment":"neutral","sentiment_score":-0.2057373344898224}],"sentiment":"neutral","sentiment_score":-0.004242619330232794,"num_words":11,"start":1191.425,"end":1220.68},{"sentences":[{"text":"You know?","start":1220.68,"end":1220.92,"sentiment":"neutral","sentiment_score":-0.07963968813419342},{"text":"If it's, like, 100 or $200, just sort of play around with it.","start":1220.92,"end":1223.8,"sentiment":"neutral","sentiment_score":-0.1739479681620231},{"text":"You know?","start":1223.8,"end":1223.9601,"sentiment":"neutral","sentiment_score":-0.0862562395632267},{"text":"And then that's probably going down about $3 at the moment, so I didn't really do too good on that one.","start":1223.9601,"end":1228.8601,"sentiment":"neutral","sentiment_score":-0.2452811034662383},{"text":"I'm not really done anything again with it.","start":1230.12,"end":1232.9401,"sentiment":"negative","sentiment_score":-0.5122471638023853}],"sentiment":"neutral","sentiment_score":-0.2574346940154615,"num_words":46,"start":1220.68,"end":1232.9401},{"sentences":[{"text":"Yeah.","start":1239.285,"end":1239.685,"sentiment":"neutral","sentiment_score":-0.12154001742601396},{"text":"It's still on 350 or something, so it's not really worth talking.","start":1239.685,"end":1243.625,"sentiment":"neutral","sentiment_score":-0.24123169978459677},{"text":"It's not like a million dollars up yet.","start":1246.7251,"end":1249.02,"sentiment":"neutral","sentiment_score":-0.17164874263107777},{"text":"Alright, buddy.","start":1253.66,"end":1260.0801,"sentiment":"neutral","sentiment_score":0.03908857703208923},{"text":"Yep.","start":1260.14,"end":1260.64,"sentiment":"neutral","sentiment_score":0.05254904553294182}],"sentiment":"neutral","sentiment_score":-0.17744933984552821,"num_words":24,"start":1239.285,"end":1260.64},{"sentences":[{"text":"I don't think you're bothering me too much.","start":1281.13,"end":1283.0499,"sentiment":"negative","sentiment_score":-0.35645945370197296},{"text":"You know?","start":1283.0499,"end":1283.45,"sentiment":"neutral","sentiment_score":-0.12377726286649704},{"text":"Because by the time you retire and the way the government case changed and everything, you'd like to get your retirement by the time you're saying a hundred and twenty.","start":1283.45,"end":1290.97,"sentiment":"neutral","sentiment_score":-0.058452182138959564},{"text":"You know?","start":1290.97,"end":1291.5499,"sentiment":"neutral","sentiment_score":-0.021239311434328556},{"text":"Yeah.","start":1297.475,"end":1297.975,"sentiment":"neutral","sentiment_score":0.09581126272678377}],"sentiment":"neutral","sentiment_score":-0.11161541813161484,"num_words":43,"start":1281.13,"end":1297.975},{"sentences":[{"text":"Yeah.","start":1300.355,"end":1300.6749,"sentiment":"neutral","sentiment_score":0.05147399380803108},{"text":"Because I got probably another thirty years, probably, look at retirement sort of thing, I reckon.","start":1300.6749,"end":1304.775,"sentiment":"neutral","sentiment_score":0.01882558665238321},{"text":"Yeah.","start":1312.5,"end":1313.0,"sentiment":"neutral","sentiment_score":0.03040791116654873},{"text":"Yep.","start":1324.615,"end":1325.115,"sentiment":"neutral","sentiment_score":0.3080919682979584},{"text":"Yeah.","start":1338.27,"end":1338.77,"sentiment":"neutral","sentiment_score":-0.01595555990934372}],"sentiment":"neutral","sentiment_score":0.03376138499006629,"num_words":20,"start":1300.355,"end":1338.77},{"sentences":[{"text":"I'll probably say the middle risk there.","start":1341.63,"end":1343.8099,"sentiment":"neutral","sentiment_score":-0.07961272661175046},{"text":"I don't know if you guys see much of high risk and probably those things.","start":1343.95,"end":1346.925,"sentiment":"neutral","sentiment_score":-0.0995079144835472},{"text":"No.","start":1360.925,"end":1361.22,"sentiment":"neutral","sentiment_score":-0.2324373722076416},{"text":"I really they're bored money or friendly really.","start":1361.46,"end":1364.02,"sentiment":"negative","sentiment_score":-0.3337620571255684},{"text":"I don't know.","start":1364.02,"end":1364.54,"sentiment":"neutral","sentiment_score":-0.23452946543693542}],"sentiment":"neutral","sentiment_score":-0.16635382438407226,"num_words":34,"start":1341.63,"end":1364.54},{"sentences":[{"text":"I lost my money back, sort of thing.","start":1364.54,"end":1366.28,"sentiment":"negative","sentiment_score":-0.35401568189263344},{"text":"Just another fucking day that comes out.","start":1366.58,"end":1368.58,"sentiment":"negative","sentiment_score":-0.3868004764829363},{"text":"So I was getting that phase book good.","start":1368.58,"end":1370.44,"sentiment":"neutral","sentiment_score":-0.16051109600812197},{"text":"Yeah.","start":1382.225,"end":1382.625,"sentiment":"neutral","sentiment_score":-0.034283414483070374},{"text":"Investment probably is not pretty good at the time, but way faster we go at the moment just down through the roof.","start":1382.625,"end":1387.89,"sentiment":"neutral","sentiment_score":-0.11869353157552806}],"sentiment":"neutral","sentiment_score":-0.20585562321154968,"num_words":46,"start":1364.54,"end":1387.89},{"sentences":[{"text":"So looks like I got mine about seven years ago.","start":1388.77,"end":1391.49,"sentiment":"neutral","sentiment_score":0.009662793390452862},{"text":"So that's pretty much double the value at the moment, so I'm happy with that.","start":1391.49,"end":1395.99,"sentiment":"neutral","sentiment_score":0.050941218684117},{"text":"Yeah.","start":1410.385,"end":1410.885,"sentiment":"neutral","sentiment_score":0.06673116981983185},{"text":"It's still a lot bigger out on it.","start":1416.25,"end":1417.95,"sentiment":"neutral","sentiment_score":0.09028518851846457},{"text":"Yep.","start":1437.105,"end":1437.605,"sentiment":"neutral","sentiment_score":0.13996699452400208}],"sentiment":"neutral","sentiment_score":0.05113502533308097,"num_words":35,"start":1388.77,"end":1437.605},{"sentences":[{"text":"Yep.","start":1455.51,"end":1456.01,"sentiment":"neutral","sentiment_score":-0.07911311835050583},{"text":"Yeah.","start":1464.1051,"end":1464.6051,"sentiment":"neutral","sentiment_score":-0.008069494739174843},{"text":"Yeah.","start":1465.625,"end":1465.865,"sentiment":"neutral","sentiment_score":0.06394166499376297},{"text":"It's good to get to where it is at the moment and then just sort of review it after that.","start":1465.865,"end":1475.7275,"sentiment":"neutral","sentiment_score":0.17968083247542382},{"text":"Yep.","start":1498.79,"end":1499.29,"sentiment":"neutral","sentiment_score":0.018433505669236183}],"sentiment":"neutral","sentiment_score":0.14953371696174145,"num_words":24,"start":1455.51,"end":1499.29},{"sentences":[{"text":"Yeah.","start":1507.67,"end":1507.91,"sentiment":"positive","sentiment_score":0.3771677017211914},{"text":"That sounds fun.","start":1507.91,"end":1508.89,"sentiment":"positive","sentiment_score":0.7231643994649252},{"text":"Yep.","start":1527.55,"end":1528.05,"sentiment":"neutral","sentiment_score":0.1506817489862442},{"text":"Yep.","start":1552.78,"end":1553.28,"sentiment":"neutral","sentiment_score":0.03916609287261963},{"text":"I put this in a job on manual construction.","start":1562.215,"end":1564.7949,"sentiment":"neutral","sentiment_score":-0.06659214943647385}],"sentiment":"neutral","sentiment_score":0.14247862646977108,"num_words":15,"start":1507.67,"end":1564.7949},{"sentences":[{"text":"I'm sorry for that CTO, I think.","start":1564.9349,"end":1566.875,"sentiment":"neutral","sentiment_score":-0.1468549051455089},{"text":"But, like, a million dollars probably about 30.","start":1568.215,"end":1570.635,"sentiment":"neutral","sentiment_score":-0.08441019430756569},{"text":"I think.","start":1571.495,"end":1572.075,"sentiment":"neutral","sentiment_score":-0.05233783833682537},{"text":"Yeah.","start":1575.4149,"end":1575.81,"sentiment":"neutral","sentiment_score":-0.016804544255137444},{"text":"Yeah.","start":1586.77,"end":1587.27,"sentiment":"neutral","sentiment_score":0.019408995285630223}],"sentiment":"neutral","sentiment_score":-0.09501774295380241,"num_words":19,"start":1564.9349,"end":1587.27},{"sentences":[{"text":"Yeah.","start":1598.865,"end":1599.365,"sentiment":"neutral","sentiment_score":0.032251473516225815},{"text":"Yeah.","start":1600.1449,"end":1600.385,"sentiment":"neutral","sentiment_score":0.04724297672510147},{"text":"So we have to be in veteran, so I think You have to be done a lot of sort of work.","start":1600.385,"end":1608.1,"sentiment":"neutral","sentiment_score":0.030025693366215342},{"text":"I'm probably trying to get a second block or something like that.","start":1611.24,"end":1614.46,"sentiment":"neutral","sentiment_score":-0.036773099564015865},{"text":"Just trying to, like, block land at the outside, you know, so it's a bit cheaper and then build it out from that.","start":1614.6799,"end":1620.165,"sentiment":"neutral","sentiment_score":0.08308280712884406}],"sentiment":"neutral","sentiment_score":0.037580368622880556,"num_words":58,"start":1598.865,"end":1620.165},{"sentences":[{"text":"And then whatever you build on it, you know, adds value to it anyway.","start":1620.165,"end":1624.105,"sentiment":"neutral","sentiment_score":0.2182834739131587},{"text":"And I just rent out the pipe I got at the moment.","start":1624.645,"end":1626.825,"sentiment":"neutral","sentiment_score":0.1670623371998469},{"text":"So what did you wanna get in contact with about that stuff?","start":1635.78,"end":1638.5,"sentiment":"neutral","sentiment_score":0.046254813515891634},{"text":"Who do I call us building just the same number that's called now and just so I'm gonna be signing some of that tax and all that sort of stuff.","start":1638.5,"end":1647.615,"sentiment":"neutral","sentiment_score":0.003174794341127078},{"text":"Well, I've done a lot of tax returns for about four years, but I kept receipts and everything all the tax the same as ours.","start":1647.615,"end":1653.3151,"sentiment":"neutral","sentiment_score":-0.05890882700681686}],"sentiment":"neutral","sentiment_score":0.04557309245630618,"num_words":93,"start":1620.165,"end":1653.3151},{"sentences":[{"text":"So it's probably a bit of money coming back and all that.","start":1653.775,"end":1656.415,"sentiment":"neutral","sentiment_score":-0.12000131257809699},{"text":"But it just hasn't bothered me so, you know.","start":1656.415,"end":1658.37,"sentiment":"neutral","sentiment_score":-0.14372625284724766},{"text":"Yeah.","start":1667.33,"end":1667.83,"sentiment":"neutral","sentiment_score":-0.02560248225927353},{"text":"Yeah.","start":1668.61,"end":1668.85,"sentiment":"neutral","sentiment_score":-0.04397164285182953},{"text":"No.","start":1668.85,"end":1669.01,"sentiment":"neutral","sentiment_score":-0.20379123091697693}],"sentiment":"neutral","sentiment_score":-0.12528822427460304,"num_words":24,"start":1653.775,"end":1669.01},{"sentences":[{"text":"I'm saying.","start":1669.01,"end":1672.15,"sentiment":"neutral","sentiment_score":-0.11853257194161415},{"text":"Yep.","start":1672.29,"end":1672.575,"sentiment":"neutral","sentiment_score":-0.03014320135116577},{"text":"No.","start":1673.855,"end":1674.255,"sentiment":"neutral","sentiment_score":-0.1782483160495758},{"text":"Well, I haven't got one, so that's probably why.","start":1674.255,"end":1676.4349,"sentiment":"neutral","sentiment_score":-0.23523242937193978},{"text":"So I've probably stuck around and give you the minimum and just down there, it's not really worth it.","start":1676.495,"end":1680.815,"sentiment":"negative","sentiment_score":-0.35230384061211034}],"sentiment":"neutral","sentiment_score":-0.28926004678942263,"num_words":32,"start":1669.01,"end":1680.815},{"sentences":[{"text":"Probably cost you more than what you get in return.","start":1680.815,"end":1683.635,"sentiment":"neutral","sentiment_score":-0.21228076964616777},{"text":"Yeah.","start":1689.3099,"end":1689.63,"sentiment":"neutral","sentiment_score":0.007385825738310814},{"text":"If you could say that, I'll definitely give them a call and there's another situation I'm in sort of thing, and then if they're happy to help out, you know, help me find them what's supposed to go right or whatnot.","start":1689.63,"end":1703.635,"sentiment":"neutral","sentiment_score":0.12503258986739305},{"text":"Yep.","start":1705.535,"end":1706.035,"sentiment":"neutral","sentiment_score":0.23328161239624023},{"text":"No.","start":1719.7101,"end":1719.87,"sentiment":"neutral","sentiment_score":0.09260661900043488}],"sentiment":"neutral","sentiment_score":0.061792639726600436,"num_words":54,"start":1680.815,"end":1719.87},{"sentences":[{"text":"You're gonna sound good.","start":1719.87,"end":1721.41,"sentiment":"neutral","sentiment_score":0.32255904376506805},{"text":"Yep.","start":1733.085,"end":1733.58,"sentiment":"neutral","sentiment_score":0.07711131870746613},{"text":"Yep.","start":1768.33,"end":1768.83,"sentiment":"neutral","sentiment_score":0.07764360308647156},{"text":"Alright.","start":1769.0499,"end":1769.45,"sentiment":"neutral","sentiment_score":0.13313862681388855},{"text":"Sounds good.","start":1769.45,"end":1770.2699,"sentiment":"positive","sentiment_score":0.43859976530075073}],"sentiment":"neutral","sentiment_score":0.2728143615855111,"num_words":9,"start":1719.87,"end":1770.2699},{"sentences":[{"text":"Yep.","start":1798.6,"end":1799.1,"sentiment":"positive","sentiment_score":0.367853969335556},{"text":"That sounds good.","start":1799.16,"end":1799.7999,"sentiment":"positive","sentiment_score":0.7881969014803568},{"text":"Thank you.","start":1799.7999,"end":1800.555,"sentiment":"positive","sentiment_score":0.8222553730010986},{"text":"No.","start":1808.3151,"end":1808.555,"sentiment":"neutral","sentiment_score":-0.05984198674559593},{"text":"It's pretty much the you touched on every little subject you had going on there, so good.","start":1808.555,"end":1812.655,"sentiment":"positive","sentiment_score":0.358036334900295}],"sentiment":"positive","sentiment_score":0.43348879693076015,"num_words":24,"start":1798.6,"end":1812.655},{"sentences":[{"text":"Probably, I'm gonna send my laboratory, and I'll speak fine.","start":1813.51,"end":1815.83,"sentiment":"neutral","sentiment_score":0.07701050229370594},{"text":"So whatnot, we'll just get through everything again.","start":1815.83,"end":1818.33,"sentiment":"neutral","sentiment_score":0.15327485278248787},{"text":"So, yeah, pretty happy with everything at the moment.","start":1818.7899,"end":1820.9,"sentiment":"positive","sentiment_score":0.5908090538448758},{"text":"Not a problem.","start":1828.999,"end":1829.719,"sentiment":"positive","sentiment_score":0.47109246253967285},{"text":"Thank you.","start":1829.719,"end":1830.459,"sentiment":"positive","sentiment_score":0.7212914824485779}],"sentiment":"neutral","sentiment_score":0.31779517757240683,"num_words":32,"start":1813.51,"end":1830.459},{"sentences":[{"text":"Alright.","start":1833.239,"end":1833.739,"sentiment":"neutral","sentiment_score":0.30578696727752686},{"text":"Thank you.","start":1833.799,"end":1834.359,"sentiment":"positive","sentiment_score":0.6276417076587677},{"text":"Bye.","start":1834.359,"end":1834.859,"sentiment":"positive","sentiment_score":0.3391055464744568}],"sentiment":"positive","sentiment_score":0.47504398226737976,"num_words":4,"start":1833.239,"end":1834.859}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Alisa. It's Dana from\n\nChannel 1: Good.\n\nChannel 0: Okey Financial. How are you?\n\nChannel 1: Yeah. Good. Thank you.\n\nChannel 0: Sounds good. I had to book in to go through an annual review now. Is now still a good time there for you?\n\nChannel 1: Yeah. Now's a good time. Yeah.\n\nChannel 0: Yeah. All good. Do you guys get that public holiday over in WA at all?\n\nChannel 1: Yeah. Because they're in that day.\n\nChannel 0: Yeah. Oh, that's nice. Unfortunately, here in Queensland, we don't. So, hopefully, you're enjoying it.\n\nChannel 1: Yeah. Yeah. Especially when you're working, you double time and a half, so happy\n\nChannel 0: No. Nice. Nice.\n\nChannel 1: days\n\nChannel 0: All good. And before we jump\n\nChannel 1: from\n\nChannel 0: into the call with the annual review, I just need to let you know we do\n\nChannel 1: that\n\nChannel 0: record our calls for quality and training purposes. Moving forward,\n\nChannel 1: one.\n\nChannel 0: are you happy and comfortable for me to do that for you?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Fantastic. And just to do security there as well, we are discussing your personal information. I'll just get you to confirm your full name, your address, and date of birth I should have on file.\n\nChannel 1: Southside William Eaton Watson. 30\n\nChannel 0: Yep.\n\nChannel 1: 83711 Barrow\n\nChannel 0: Yep.\n\nChannel 1: Street, Albert.\n\nChannel 0: Beautiful. Thank you so much for that. What I'll do for you to make it easier, because I know you are working, is I'll go through. We'll have a chat about your annual review. I'll give you a bit of an update on everything there.\n\nAnd then after the call, I'll send through your annual review pack for you to have a look at and to sign a return back for us.\n\nChannel 1: Yep.\n\nChannel 0: Okay? Fantastic. Firstly, Elsa, before we jump into the call and run through everything, is there anything particular you wanted me to kind of touch base on or any questions you might have for me here at the moment?\n\nChannel 1: No. Everything's all pretty good at the moment. So\n\nChannel 0: Yeah. All good. Do you happen to log in and have a look at your super very often, or have you been avoiding it?\n\nChannel 1: I'm probably to be honest, probably been avoiding it. Generally done.\n\nChannel 0: Yeah.\n\nChannel 1: Since I got all the money out, I got the money\n\nChannel 0: Yeah.\n\nChannel 1: out because then all works and all that sort of stuff. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: I haven't really\n\nChannel 0: Yep.\n\nChannel 1: looked at it. But,\n\nChannel 0: No. That's\n\nChannel 1: yeah, just\n\nChannel 0: okay.\n\nChannel 1: started building up and back into it again.\n\nChannel 0: Yeah. Absolutely. And how's everything been since you had all that dental work? Has everything calmed down? You recovered nicely?\n\nChannel 1: Yeah. It's still ongoing at the moment. But, yeah, you got\n\nChannel 0: Yep.\n\nChannel 1: all the main work done. They're just looking after it, progress, sort of work, and just\n\nChannel 0: Yeah.\n\nChannel 1: little bits and pieces. So\n\nChannel 0: Yeah.\n\nChannel 1: that's\n\nChannel 0: Yeah.\n\nChannel 1: been good.\n\nChannel 0: Abs absolutely. Well, hopefully, the recovery continues good and all okay. I'll give you a bit of an update on your super there. So having a look, even though there's a lot going on at the world at the moment, your\n\nChannel 1: Yep.\n\nChannel 0: balance last year at this time last year was about $34,005.05 6, and then so your balance now, we've got about 40,040 thousand and 99 in there. So you have gone up. You've had about an 18% return. Earnings wise, it does equate to about bit over $6,000 for the year. So your balance\n\nChannel 1: Yes.\n\nChannel 0: has increased on this time last year, which is good. You're still getting that additional growth in there. And as as you said, you're building things back up a bit. So with the contributions going in from work and, obviously, the growth that we are getting there as well, that'll continue to compound, and we'll certainly keep monitoring things there for you.\n\nChannel 1: Yeah.\n\nChannel 0: But to come out with everything that's been going on, you've still got a positive result at the end of the twelve months, so it is really good to see. Okay?\n\nChannel 1: Yes. I understand. I'm good.\n\nChannel 0: Fantastic. I can also see here with the contributions. You're getting contributions from a few different places over the past few months there. Are you technically a contractor? Or\n\nChannel 1: Yeah. Most of the jobs, I would say, has a lot of construction. Not every job goes for certain amount of time. You know? So I just work around.\n\nSo you're\n\nChannel 0: yeah.\n\nChannel 1: currently up off on the line to the moment, so I just the sleep is a lot better.\n\nChannel 0: Yeah.\n\nChannel 1: And then,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, this is the same thing. It's coming to the end of the job, so I'll just hang around till the end and then go get another job, couple of their date. We close, sort of thing.\n\nChannel 0: Okay. Yeah. Beautiful. I mean, we're having a look at the contributions. They're all pretty consistent.\n\nSo you seem to be getting you know, finishing one job and starting the next one fairly quickly, which is great to see. You're fairly\n\nChannel 1: Oh, yeah.\n\nChannel 0: constant\n\nChannel 1: With\n\nChannel 0: with\n\nChannel 1: my\n\nChannel 0: the\n\nChannel 1: car and\n\nChannel 0: role\n\nChannel 1: the workers,\n\nChannel 0: you're getting.\n\nChannel 1: that much work going on. Yeah. I'll probably get about three, four job offers a week just to go up. So\n\nChannel 0: Oh, that's fantastic. No. Well, hopefully, it all continues. If anything does come up, let me know. Because you are kind of moving between different roles in a regular basis with jobs ending and contracts ending and things like that, Are you happy just with your employer contributions going in?\n\nDid you wanna look at maybe adding additional contributions outside of what your employers do put in, or you just wanna wait and see? What's your thoughts\n\nChannel 1: Yeah.\n\nChannel 0: there?\n\nChannel 1: I'll I'll wait and see. But, yeah, at the moment, not a pretty good number anyway, so it wouldn't hurt to put a bit more in there. So I'd be happy to have a look in that to\n\nChannel 0: Yep.\n\nChannel 1: see what's going on. It takes\n\nChannel 0: Yeah.\n\nChannel 1: tax down or whatnot.\n\nChannel 0: Yeah. Absolutely. Is there an amount that you'd be comfortable sort of putting in out of your week or fortnightly pay, or did you want us to sort of have a look\n\nChannel 1: Well,\n\nChannel 0: at what's\n\nChannel 1: it's just\n\nChannel 0: more beneficial?\n\nChannel 1: so it seems because sometimes the wages fucking change. So, like, say, I'm working at North at the moment. I'll probably\n\nChannel 0: Yeah.\n\nChannel 1: clear about a 3 and a half grand, and then when I go back express, you know, if you'd like to get, you know, 1,500 to a grand totaling. So\n\nChannel 0: Yeah. Yeah. Blockuates\n\nChannel 1: they\n\nChannel 0: heavily. Yeah.\n\nChannel 1: yeah. They just, like, fluctuate today and filling, and then, you know, I have a bit of money. I don't have a week or two option and so for a bit\n\nChannel 0: Yep.\n\nChannel 1: of a holiday filling.\n\nChannel 0: Yeah. That's\n\nChannel 1: So wait\n\nChannel 0: okay.\n\nChannel 1: wait wait\n\nChannel 0: Yeah. Did you the other option is we can always look at maybe attaching base around about sort\n\nChannel 1: for\n\nChannel 0: of June, having a look at what your contributions are that have\n\nChannel 1: the\n\nChannel 0: gone\n\nChannel 1: time. Yep.\n\nChannel 0: in, what you might have left over in savings, and what you might wanna be comfortable with putting in as maybe a lump sum and how that might benefit you. Did you wanna maybe hold off until early June, and we can maybe look into financial year for you depending also what your hours are and what your work is?\n\nChannel 1: Yeah. That that sounds like good. Because, yeah, about June time, then I'll have another couple of weeks and I'll sort of take it down on. Yeah.\n\nChannel 0: Yep. Yeah. Perfect. No worries. Not a worry at all.\n\nI'll put a catch up in the calendar for the early June. I'll get\n\nChannel 1: Yeah.\n\nChannel 0: my team to give you a call then, and we can have a chat about the additional contributions.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. That\n\nChannel 0: Fantastic.\n\nChannel 1: sounds right. Bye.\n\nChannel 0: Excellent.\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. I also just wanted to sort of go through your insurances with you as well. I know you are very time poor. You've got a lot going on there at the moment. With your\n\nChannel 1: Yes.\n\nChannel 0: current insurance policy, you've got your life, your TPD with one pass there. The current sum insured for those is 708,750. I'm sort of looking at where you are with your assets so that I can see you've got your main primary residence in the motor vehicle noted down with the only debt I can see is about 320,000. Is that fairly accurate?\n\nChannel 1: Yeah. It's probably going down about 300,000 at the moment. K?\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: And then\n\nChannel 0: Perfect.\n\nChannel 1: there's no debt on the card at all.\n\nChannel 0: Yep. Excellent.\n\nChannel 1: And\n\nChannel 0: So\n\nChannel 1: then\n\nChannel 0: we'll say\n\nChannel 1: probably\n\nChannel 0: 300\n\nChannel 1: got a credit\n\nChannel 0: thousand\n\nChannel 1: card\n\nChannel 0: there.\n\nChannel 1: that's probably I'll just put I'll put it on a bank, wouldn't fall by the way, and then I'll just find that down. So that's\n\nChannel 0: Okay.\n\nChannel 1: on about 2 and a half grand at the so I'll probably clear that\n\nChannel 0: Alright.\n\nChannel 1: in a couple of weeks.\n\nChannel 0: Yep. Beautiful. So you're all about 2 to 2 and a half thousand on that one.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. On that one. Excellent. So that'll be fully cleared very shortly.\n\nLovely. Well, when you do look at your life and TBD there, I mean, if anything was to happen, you were to pass away, your life benefit pays at, obviously, at $708,007.50, plus your super can be paid out on top of that, which could clear the mortgage completely debt free, and then the rest of the funds can be left to your beneficiaries there. Are\n\nChannel 1: Yep.\n\nChannel 0: you fairly comfortable with the life benefit you have? Did you wanna look at altering that in any way, shape, or form?\n\nChannel 1: It's not high down on that.\n\nChannel 0: Let's have a look for you. I actually don't think I have anyone. I know with your super, having a look at the beneficiary, we don't have anyone noted.\n\nChannel 1: Yes.\n\nChannel 0: So I did wanna definitely talk to you about who you would like as your beneficiary in the event of passing away for your life cover and your HUB 24.\n\nChannel 1: Yeah.\n\nChannel 0: Who would you like to have it all left to?\n\nChannel 1: Well, there's no no washrooms and all that or kids' rent and all that. So\n\nChannel 0: Yeah.\n\nChannel 1: I'll probably just say, like, my brother or something like that or probably\n\nChannel 0: Yep.\n\nChannel 1: the oldest brother. It's normally\n\nChannel 0: Yep.\n\nChannel 1: where it goes.\n\nChannel 0: Yep.\n\nChannel 1: Anyway,\n\nChannel 0: Yep. Abs absolutely.\n\nChannel 1: even if a lot of people that don't have wheels at the time, I always go to the oldest, sorry, family member or whatnot.\n\nChannel 0: Yeah. So I've got your brother Tim down as your next of kin here. So he is who\n\nChannel 1: Yeah.\n\nChannel 0: you'd wanna leave that benefit to?\n\nChannel 1: Yeah. Yeah. I'll say that.\n\nChannel 0: Yep. Yeah. That's okay. So the restrictions are around leaving a beneficiary on super annual life policy. Yeah.\n\nThey have to meet a certain criteria. So, technically, a brother isn't fitting in that criteria to be a beneficiary.\n\nChannel 1: Yep.\n\nChannel 0: So what we sort of suggested on the beneficiary nomination, you have it set to your legal personal representative. And that means in the event of passing, everything gets paid to your estate, and then it's just important that you have an updated will. And in that will, you make the reflection there that you wanted everything to be paid out to your brother, Tim.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Have you ever had a will drawn up? Or I can see here I don't have anything sort of noted here from the past.\n\nChannel 1: No.\n\nChannel 0: That's\n\nChannel 1: I feel sorry. I'm laughing at the young age. So I know I thought, you\n\nChannel 0: all.\n\nChannel 1: know, if you're older, but it's always good\n\nChannel 0: Yeah.\n\nChannel 1: to have one up. And then, you know, I'm not really\n\nChannel 0: Yeah.\n\nChannel 1: good friends or boys and all that sort of stuff. And I\n\nChannel 0: No.\n\nChannel 1: don't know. I\n\nChannel 0: That's\n\nChannel 1: don't see them\n\nChannel 0: okay.\n\nChannel 1: on a sort of\n\nChannel 0: Yeah.\n\nChannel 1: basis\n\nChannel 0: That\n\nChannel 1: sort of thing.\n\nChannel 0: that's okay. Well, we'll definitely send out the beneficiary nominations to have those completed.\n\nChannel 1: Yep.\n\nChannel 0: Are you did you want us to maybe tick the box for legal personal representative and help fill the format?\n\nChannel 1: So if I\n\nChannel 0: Are\n\nChannel 1: can't\n\nChannel 0: you comfortable\n\nChannel 1: use my brother's\n\nChannel 0: if\n\nChannel 1: or\n\nChannel 0: we\n\nChannel 1: family or anything like that, who who shall I ever take? No. You don't wanna leave it to your fucking mate or something like that.\n\nChannel 0: no. No. Well, you definitely can leave it to your brother. It's just that when it comes to the superannuation legislation for your life and your super, in order to have a beneficiary, the beneficiary to be nominated directly has to be your spouse, a child, someone who has an interdependent relationship with you or relies on you financially. So because your brother doesn't fit in with that category, he can't be nominated to your super\n\nChannel 1: Yeah.\n\nChannel 0: or\n\nChannel 1: But\n\nChannel 0: your life\n\nChannel 1: yeah.\n\nChannel 0: policy\n\nChannel 1: Oh\n\nChannel 0: by\n\nChannel 1: oh,\n\nChannel 0: name,\n\nChannel 1: that's fine. I wouldn't\n\nChannel 0: but\n\nChannel 1: have\n\nChannel 0: he\n\nChannel 1: anyone\n\nChannel 0: can\n\nChannel 1: that relies on me financially, so\n\nChannel 0: no.\n\nChannel 1: I think.\n\nChannel 0: Yeah. That's okay. So you can still have him nominated. This is that we have to do a different way. So\n\nChannel 1: Yep.\n\nChannel 0: we nominate your legal personal representative, so we tick the LPR box. And it means if you were to pass away, your super and your wife benefit just get paid to your estate, and then you just need to make sure you have a will done up. That's all. So he can still receive the money. It's just that we can't name him directly on those funds, so we\n\nChannel 1: Yep.\n\nChannel 0: have to name him via your estate or via your will. If you like, if you're comfortable, we can actually tick the box for LPR for you and help pre fill the form. And that way,\n\nChannel 1: Yep.\n\nChannel 0: you can just have it signed and witnessed by a friend. And then if you like, we can also send through some information on a local solicitor here on the Gold Coast. They have they're fine to do things by email and phone as well if you're, you know, because you're in WA. But we can always send that information through to you to kinda help looking at getting a will drawn up to make sure everything is set up correctly.\n\nChannel 1: Yeah. That's good.\n\nChannel 0: Yeah. Beautiful. Are you comfortable with us because you want your brother nominated? Are you comfortable with us ticking the legal personal representative box on the beneficiary for you to help you out?\n\nChannel 1: Yeah. That's that's fine.\n\nChannel 0: Yep.\n\nChannel 1: So I'll be\n\nChannel 0: Beautiful.\n\nChannel 1: happy to do it that way.\n\nChannel 0: Yeah. And you want a 100% of it all paid through to your estate to to be paid to your brother? Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful.\n\nChannel 1: Yeah. That way,\n\nChannel 0: Well,\n\nChannel 1: they\n\nChannel 0: I'll\n\nChannel 1: they just sorted out after that sort of thing, but hopefully\n\nChannel 0: yeah. Perfect. Oh, good. Well, if you like, what I'll do is I'll drop an email after\n\nChannel 1: not\n\nChannel 0: the call. It'll have the information there for the local solicitor and a bit of a price as to how much it costs to do your will through them\n\nChannel 1: gonna\n\nChannel 0: as well.\n\nChannel 1: happen. Yep.\n\nChannel 0: We'll send that through to you so you have that information, and we'll I'll get my team to pre fill that beneficiary nomination for you. Did you want that emailed or posted or both? What would be the best way to get\n\nChannel 1: Probably\n\nChannel 0: that nomination?\n\nChannel 1: just email sort of thing.\n\nChannel 0: Email? Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful.\n\nChannel 1: That way, I'll just sort of print it out, then I'll show it out with my or whatnot.\n\nChannel 0: Yeah. Absolutely. Not a problem. We'll get that, prefilled and help you out, send it out to you via email. And if you have any questions, you're welcome to let me know.\n\nWe'll help you as best we can. Okay?\n\nChannel 1: Yep. No problem. Thank you.\n\nChannel 0: Yeah. It's okay. Now with your TBD, so total common disability cover, you have the same level of benefit as your life. Are you comfortable keeping the benefit the same, or did you wanna review the benefit amount?\n\nChannel 1: Yeah. I'll probably keep everything the same for now. Then\n\nChannel 0: The same.\n\nChannel 1: just probably\n\nChannel 0: Yep.\n\nChannel 1: review it in, like, a year or or whatnot or six\n\nChannel 0: Twelve\n\nChannel 1: months or\n\nChannel 0: months?\n\nChannel 1: whatever.\n\nChannel 0: Yep. Yeah. Absolutely.\n\nChannel 1: So I'm still pretty\n\nChannel 0: No.\n\nChannel 1: young at the moment, so not bad in\n\nChannel 0: Yeah.\n\nChannel 1: any no disability at\n\nChannel 0: No. That's okay. That's not a problem at all. Income\n\nChannel 1: the\n\nChannel 0: protection based on\n\nChannel 1: moment.\n\nChannel 0: your income, I have you earning about a 120,000.\n\nChannel 1: So\n\nChannel 0: Is that fairly accurate for\n\nChannel 1: it's good.\n\nChannel 0: where you\n\nChannel 1: Yeah.\n\nChannel 0: are at the\n\nChannel 1: That's\n\nChannel 0: moment? Yeah.\n\nChannel 1: still about\n\nChannel 0: Yep. That's okay. With the level of benefit\n\nChannel 1: accurate. Yeah.\n\nChannel 0: you do have for the income protection, it does show you're a little bit underinsured at the moment. So with income protection, you can be covered up to seven 70% of your current income, which may mean that you'd need to have a monthly benefit of about 7,000 per month. Your monthly\n\nChannel 1: Yep.\n\nChannel 0: benefit's about 5,632. Obviously, that's a gross benefit as well, so income tax is in play with that. So if you do receive your monthly benefit, you also pay income tax on that as well.\n\nChannel 1: Yep.\n\nChannel 0: But did you wanna review the income protection, maybe increase\n\nChannel 1: Yeah.\n\nChannel 0: that,\n\nChannel 1: I\n\nChannel 0: or\n\nChannel 1: probably\n\nChannel 0: do you think\n\nChannel 1: might\n\nChannel 0: that\n\nChannel 1: have\n\nChannel 0: level\n\nChannel 1: reviewed\n\nChannel 0: of benefit's\n\nChannel 1: that and upgrade\n\nChannel 0: fine?\n\nChannel 1: it. So I think maybe about two years ago, the wages might have been a bit different back then, you know, where it sort of\n\nChannel 0: Yeah.\n\nChannel 1: going\n\nChannel 0: Yeah. Absolutely. When we we were we're we're sorry. I'll start again. I was so sorry.\n\nGetting hung\n\nChannel 1: up.\n\nChannel 0: tied.\n\nChannel 1: So\n\nChannel 0: When we applied for that initially, we would have gone through and done an application with you. Are there any changes to your health that we might need to maybe take into account from that application, or do you think everything should be still the same?\n\nChannel 1: Yeah. No. It should be the same at the moment. Yeah.\n\nChannel 0: Yep. Beautiful. What I'll do is I'll go back and have a look at the application. I'll have a look at increasing that income protection policy for you.\n\nChannel 1: Yep.\n\nChannel 0: Did you want us to maybe just send out a quote to you to have a look at, or are you happy with me just maybe updating the advice to recommend the increase for you and show you the the effect of that?\n\nChannel 1: Yeah. Yeah. It's sending that out. That should be fine. I'll\n\nChannel 0: Yep.\n\nChannel 1: have a look at it sort of thing.\n\nChannel 0: Yep. Beautiful. Lovely. And the other thing I was having a look at, I know with your super, you are invested in a a managed fund within there. It has been working really well.\n\nAs mentioned, you've got that lovely good return. There's a positive return for the past twelve months there. What I'll do is I'll just go back and have a bit of a review of that for you to make sure that is invested in line with you know, the funds are invested in line with your risk profile to see if we maybe need to make any changes there.\n\nChannel 1: Yep.\n\nChannel 0: Did you want me to kinda review the managed fund for you as well, make sure it's invested in the best\n\nChannel 1: Yeah.\n\nChannel 0: thing possible that it's working harder? Yep.\n\nChannel 1: Yeah. You can, though. Yeah. That'd be fine.\n\nChannel 0: Yep. Beautiful. Another thing I probably could also put look for you is we've actually set up so you've got this one managed fund, which essentially, when you look at your hub 24, you see the I shares aggressive enhanced index fund. We actually have our own managed fund or separately managed account, which we could always look at putting you into. It's a very similar thing.\n\nIt's generally a low cost fund, and it basically means that within having these managed funds, if there are changes that need to happen to the portfolio or changes that are occurring in the world generally that we need to update the investments to align with market conditions, we can do so. Did you want me to have a look at our separately managed account to see if that could provide greater benefit for you in getting you super working harder, or what would you\n\nChannel 1: Yeah. Yeah. I'm just happy\n\nChannel 0: Yeah.\n\nChannel 1: with whatever at the moment, but not\n\nChannel 0: Yep.\n\nChannel 1: at home since sure and all that sort of stuff.\n\nChannel 0: That's\n\nChannel 1: So\n\nChannel 0: okay.\n\nChannel 1: very bit\n\nChannel 0: One of\n\nChannel 1: very\n\nChannel 0: the\n\nChannel 1: much information at the moment. So\n\nChannel 0: that's okay. I'm more than happy to go back and have a look at those managed funds for you. If there's\n\nChannel 1: Yep.\n\nChannel 0: no need to provide advice, we'll we'll make sure we don't do so. But if there's a chance that the newer that our managed fund could be providing a greater benefit or might have a greater benefit for you, I could always show you that recommendation and show you what it looks like, and then you get to decide whether you take it or not.\n\nChannel 1: Yeah. That sounds good. Once I have a look at something and right through it all, I'll get a\n\nChannel 0: Yeah.\n\nChannel 1: better understanding\n\nChannel 0: Yeah.\n\nChannel 1: of everything. So\n\nChannel 0: Absolutely. And, look, if I go back into the research and come back and go, look, your CGT costs are gonna be high or, you know, it's not worth moving you right now. We can come back and look at it down the track. But, yeah, you know, you've got me here to do that research for you, so you may as well use me to your full capacity.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: Beautiful.\n\nChannel 1: That sounds\n\nChannel 0: Beautiful.\n\nChannel 1: good.\n\nChannel 0: Yeah. Excellent. Now has anyone ever spoken to you about other types of insurances like trauma cover? Has anyone sort of brought that up with you before?\n\nChannel 1: Not really, but\n\nChannel 0: No.\n\nChannel 1: sort of like just stubs to work on. They sort of always got that cover in place anyway.\n\nChannel 0: Yeah. So trauma is a bit different to life TBD income protection. It tends to have a lump sum tax free benefit if you're, say, diagnosed with Parkinson's, you have a heart attack, a stroke, certain neurological conditions, or cancer is a big one as well.\n\nChannel 1: Yep.\n\nChannel 0: You can't pay for trauma inside Super. It is an out of pocket expense on a monthly basis for the cover. Did you wanna look at maybe getting a bit of trauma or having a look at what that might cost you, or are you happy\n\nChannel 1: Yeah.\n\nChannel 0: to\n\nChannel 1: It's\n\nChannel 0: not\n\nChannel 1: probably\n\nChannel 0: look at\n\nChannel 1: worth\n\nChannel 0: it yet?\n\nChannel 1: getting in the long run sort of thing and see how everything goes. You know?\n\nChannel 0: Yeah. Absolutely. And, look, as much as these are a bit more of an expensive thing to sort of have, getting them now while you don't have any major health issues is always a benefit than trying to get it down the track when there are changes to your health. I\n\nChannel 1: Yep.\n\nChannel 0: can look at a quote for you to show you what it might cost if you were to maybe get, say, one or two years worth of income. How much trauma do you think you'd like to be covered for?\n\nChannel 1: I'm I'm not too sure.\n\nChannel 0: Did\n\nChannel 1: But\n\nChannel 0: did\n\nChannel 1: yeah.\n\nChannel 0: you want me\n\nChannel 1: I'm\n\nChannel 0: to look\n\nChannel 1: just\n\nChannel 0: at maybe two years worth of income to start with and see what the cost is, and I can send you the\n\nChannel 1: yeah.\n\nChannel 0: quote\n\nChannel 1: I'd\n\nChannel 0: to\n\nChannel 1: say,\n\nChannel 0: show\n\nChannel 1: yeah,\n\nChannel 0: you?\n\nChannel 1: if you stick it on the minimum\n\nChannel 0: Yeah.\n\nChannel 1: for now sort of thing, and in six months, you just review it and then see how it goes after that.\n\nChannel 0: Yeah. Absolutely. So what I'll do is I'll get the quote for these. I'll send them to you so you can have a look at them, and then we can always come back and have another conversation around what the level looks like, what the cost looks like. To be able to apply for them, I'll have to update the advice to show you and make sure it reflects.\n\nBut I can just get a quote to start with, and then we can always come back and have a secondary conversation about the cost of it, what it looks like, and whether that's what you're after. Does that sound\n\nChannel 1: Yep.\n\nChannel 0: okay?\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: That sounds fine.\n\nChannel 0: Yep. Beautiful. Fantastic. I'll get that for you. I don't have any other assets noted here.\n\nDo you have any other personal loans or shares or any other, you know, tools of value that you'd note down on on the Fact Find at all?\n\nChannel 1: No. None at the moment. Sorry. Just a personal home contract and all that stuff, but that's all covered with home insurance anyway.\n\nChannel 0: Yeah. Yeah. Beautiful. With your home and contents insurance, what do you have your contents valued at? If you remember.\n\nIf you don't, that's okay.\n\nChannel 1: I'll probably put that up in only 60,000\n\nChannel 0: Yeah.\n\nChannel 1: even though\n\nChannel 0: Beautiful.\n\nChannel 1: it's fucking so I don't have $60,000 that stuff. But just\n\nChannel 0: Yeah.\n\nChannel 1: buy the covers everything.\n\nChannel 0: Absolutely.\n\nChannel 1: So I wish\n\nChannel 0: And\n\nChannel 1: I\n\nChannel 0: when\n\nChannel 1: had that\n\nChannel 0: you\n\nChannel 1: charles\n\nChannel 0: think about\n\nChannel 1: amount.\n\nChannel 0: it yeah. No. Absolutely. And when you think about contents, like, if you tipped your house upside down, everything fell out. That's considered content.\n\nSo it is quite a difference, and it can add up pretty significantly if you had to replace all of that.\n\nChannel 1: Yeah. I understand. That's\n\nChannel 0: Yeah.\n\nChannel 1: what I'm saying.\n\nChannel 0: No.\n\nChannel 1: Once you have all gas, stay low, you can try all the tools and all the stuff you got in there. I\n\nChannel 0: Yeah.\n\nChannel 1: got much a bit more than that.\n\nChannel 0: Yeah. No. That's okay. That's not a problem at all. Well, if you like, what I'll do is I'll start by going back and have a look at the in the insurance side of things for you.\n\nI'll get some quotes done. I'll I'll go back and just review the investment that you're in. And\n\nChannel 1: Yep.\n\nChannel 0: then because it is quite a lot to go through today and you've got a lot going on there, we can come back and have another conversation in a couple of weeks and sort of see what you wanna do insurance wise, and we can talk\n\nChannel 1: Yep.\n\nChannel 0: about the investment a bit more. And then you can let me know what advice you wanna proceed with. Does that sound okay?\n\nChannel 1: Yeah. That sounds right.\n\nChannel 0: Yeah. Beautiful. The last thing I wanted to do before I let you go is just to double check your risk profile as well. So just got a couple of questions to sort of ask you in relation to that. The first one here is have you ever invested in direct shares or managed funds in your own name in the past?\n\nHave you ever owned any shares at all?\n\nChannel 1: No. Probably, like, handle it once. You know? If it's, like, 100 or $200, just sort of play around with it. You know?\n\nAnd then that's probably going down about $3 at the moment, so I didn't really do too good on that one.\n\nChannel 0: Yeah. No. That's\n\nChannel 1: I'm not\n\nChannel 0: okay.\n\nChannel 1: really done anything again with it.\n\nChannel 0: Yeah. Understandable. And so you still own those, though?\n\nChannel 1: Yeah. It's still on 350 or something, so it's not really worth talking.\n\nChannel 0: Not much.\n\nChannel 1: It's\n\nChannel 0: No.\n\nChannel 1: not like\n\nChannel 0: Understand.\n\nChannel 1: a million dollars up yet.\n\nChannel 0: Oh, you never know. It could always come back.\n\nChannel 1: Alright,\n\nChannel 0: No. Oh, good. Perfect. Well, I'll note that one down there for you.\n\nChannel 1: buddy. Yep.\n\nChannel 0: And the next question I have here is thinking about your super now I know your balance is quite lower that you are sort of building it at the moment, but if you were to say, you know, look at your super in the next sort of three to six or even twelve months and note it was down due to what was happening globally in the world. How do you think you might be feeling about that?\n\nChannel 1: I don't think you're bothering me too much. You know? Because by the time you retire and the way the government case changed and everything, you'd like to get your retirement by the time you're saying a hundred and twenty. You know?\n\nChannel 0: Yep. Yep. That's okay. So you'd sort of just happily sit and wait, let it do its thing,\n\nChannel 1: Yeah.\n\nChannel 0: and see what happens in another year or two's time? Yep.\n\nChannel 1: Yeah. Because I got probably another thirty years, probably, look at retirement sort of thing, I reckon.\n\nChannel 0: You do. Yeah. You've got a long time ahead of you there as it's a positive thing as well as, you know, a negative thing. We always look at it and\n\nChannel 1: Yeah.\n\nChannel 0: go, wow. Thirty years is a long time away. A lot of years of working ahead of us, but at the same time, it's a really good thing because you are building your balance. We're starting off a bit lower, so you've got time to let it grow, which is a positive for\n\nChannel 1: Yep.\n\nChannel 0: you. Oh. Yeah. Beautiful. Do you when you consider your when you think about risk in your super, do you consider yourself comfortable taking on a higher level of risk to get greater returns?\n\nDo you think you put yourself in the middle there, or you're not wanting\n\nChannel 1: Yeah.\n\nChannel 0: to take on much risk? How do you sort of see yourself?\n\nChannel 1: I'll probably say the middle risk there. I don't know\n\nChannel 0: Yep.\n\nChannel 1: if you guys see much of high risk and probably those things.\n\nChannel 0: Yes. Yeah. Absolutely. And have you ever thought about borrowing money to invest in shares or manage funds, or would you only ever wanna borrow money for, say, property?\n\nChannel 1: No. I really they're bored money or friendly really. I don't know. I lost my money back, sort of thing. Just\n\nChannel 0: Yeah.\n\nChannel 1: another\n\nChannel 0: That's\n\nChannel 1: fucking day that comes out. So I was getting that phase book good.\n\nChannel 0: yeah. Absolutely. Have you been thinking about sort of future goals? Did you ever wanna look at maybe having investment properties in the future, or it's not something that sort of cost your mind?\n\nChannel 1: Yeah. Investment probably is not pretty good at the time, but way faster we go at the moment just down through the roof.\n\nChannel 0: Yeah.\n\nChannel 1: So looks like\n\nChannel 0: Yeah.\n\nChannel 1: I got mine about seven years ago. So\n\nChannel 0: Yeah.\n\nChannel 1: that's\n\nChannel 0: No.\n\nChannel 1: pretty\n\nChannel 0: Absolutely.\n\nChannel 1: much double the value at the moment, so I'm happy with that.\n\nChannel 0: Yeah. No. Absolutely. Perfect. Now we do have you in that sort of growth portfolio environment, and you've sort of scored in that same area.\n\nSo that typically sees about 80% of your super invested in growth assets. This is in Australian shares as well\n\nChannel 1: Yeah.\n\nChannel 0: as international shares, gold and silver, so some precious metals and also property in there as well. And\n\nChannel 1: It's still\n\nChannel 0: then the\n\nChannel 1: a\n\nChannel 0: other\n\nChannel 1: lot bigger\n\nChannel 0: 20\n\nChannel 1: out on it.\n\nChannel 0: yeah. And then the other 20% in low risk defensive investments, things like cash, bonds, and fixed interest, having a mix of both of those asset classes does kinda give you a diversified mix of, you know, lowering your overall risk and helping to sorta get good gains where you you know, with where you're heading to. Those growth assets\n\nChannel 1: Yep.\n\nChannel 0: are where you take on a bit more risk, so you're wanting to get greater returns out of those. That is where we have you. It's where you've scored, and it does suit someone who has at least six years before they're wanting to access their super. You're sort of chasing returns of around about sort of seven to 9% on a yearly basis there, and the likelihood\n\nChannel 1: Yep.\n\nChannel 0: of a negative return is expected kind of one in every five years. Are you fairly comfortable in that sort of environment just remaining in that growth environment?\n\nChannel 1: Yeah.\n\nChannel 0: Or\n\nChannel 1: Yeah. It's good to get to where it is at the moment and then just sort of review\n\nChannel 0: yep.\n\nChannel 1: it after\n\nChannel 0: Yeah. Yeah. Absolutely. Perfect. Not a problem at all.\n\nWell, what I'll do is I'll\n\nChannel 1: that.\n\nChannel 0: go back and do a little bit of research there for you. We'll come back in just a couple of weeks and have a bit of a conversation. Once I've got the quotes ready to go, we can talk about the level the cover levels and how much they're looking to cost, and I'll do a bit of research around that managed fund for you as well to see what the asset allocation is and see if you're, you know, invested in line with where you should be. And if we need to make any changes, we\n\nChannel 1: Yep.\n\nChannel 0: can come back and have that conversation, talk about what you're after, what advice you want, and then you can let me know how you want me to proceed there. Okay?\n\nChannel 1: Yeah. That sounds fun.\n\nChannel 0: Excellent. Now after the call, you will get your annual review packet. It does have in there the updated information, your super balance, the level of cover that you have currently, how much you are paying for those. It's also got your internal rate of return, the portfolio report showing everything we've gone through today with regard to how you performed.\n\nChannel 1: Yep.\n\nChannel 0: It does also have in there our financial services guide, which outlines everything about who we are, what we do, how we do it, has all my licensing information as a licensed adviser for you as well. We also have in there our ongoing service agreement. So as an ongoing client, we wanna make sure we're providing advice and updating advice that's working towards your goals because we're here to look after your super and help help you meet those goals long term.\n\nChannel 1: Yep.\n\nChannel 0: With with regards to the goals, sir, do you think you're wanting to hopefully retire around about 60, or do you think you'd probably work a bit longer? What's your kinda goal retirement?\n\nChannel 1: I put this in a job on manual construction. I'm sorry for that CTO, I think.\n\nChannel 0: Yeah. So\n\nChannel 1: But, like,\n\nChannel 0: you can't\n\nChannel 1: a million\n\nChannel 0: actually\n\nChannel 1: dollars\n\nChannel 0: act\n\nChannel 1: probably about 30.\n\nChannel 0: yeah.\n\nChannel 1: I think.\n\nChannel 0: So you you can't actually access super to the age of 60 at the moment.\n\nChannel 1: Yeah.\n\nChannel 0: That's the earliest you can sorta access super. We can definitely look at helping and providing advice on building wealth outside of super, whether that be, know, building investment portfolios and diverting money into other areas\n\nChannel 1: Yeah.\n\nChannel 0: to make sure you can retire at the age of 50. But currently, 60 is the earliest I would be able to work on for you for your super. You're comfortable with me just noting 60 and kind of working towards that at the moment?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Beautiful.\n\nChannel 1: we have\n\nChannel 0: Do\n\nChannel 1: to be\n\nChannel 0: you\n\nChannel 1: in veteran, so I think You have to be done a\n\nChannel 0: yeah.\n\nChannel 1: lot of sort of\n\nChannel 0: Absolutely. Do you have any other goals that you're looking to\n\nChannel 1: work.\n\nChannel 0: achieve in the next sort of one to two or even five years?\n\nChannel 1: I'm probably trying to get a second block or something like that. Just trying\n\nChannel 0: Okay.\n\nChannel 1: to, like,\n\nChannel 0: Yep.\n\nChannel 1: block land at the outside, you know, so it's a bit cheaper and then build it out from that. And then whatever you build\n\nChannel 0: Yeah.\n\nChannel 1: on it, you know, adds value to it anyway.\n\nChannel 0: Absolutely.\n\nChannel 1: And I just rent out the\n\nChannel 0: No.\n\nChannel 1: pipe I got at the moment.\n\nChannel 0: Yeah. Yeah. Definitely. No. Fantastic.\n\nWell, we can definitely help. And when you are ready for that, let me know. We can look at whether we provide advice from that or refer you to a mortgage\n\nChannel 1: So\n\nChannel 0: broker\n\nChannel 1: what did\n\nChannel 0: to\n\nChannel 1: you wanna\n\nChannel 0: assist with\n\nChannel 1: get\n\nChannel 0: the\n\nChannel 1: in\n\nChannel 0: purchase.\n\nChannel 1: contact with about that stuff? Who do I call us building just the same number that's called now and just\n\nChannel 0: Yep.\n\nChannel 1: so\n\nChannel 0: Yeah.\n\nChannel 1: I'm\n\nChannel 0: Just\n\nChannel 1: gonna be\n\nChannel 0: give us a call\n\nChannel 1: signing\n\nChannel 0: on the same\n\nChannel 1: some\n\nChannel 0: number.\n\nChannel 1: of that tax and all that sort of stuff. Well, I've done a lot of tax returns for about four years, but I kept receipts and everything all the tax the same as ours. So it's probably\n\nChannel 0: Right.\n\nChannel 1: a bit of money coming back and all that. But it just hasn't bothered\n\nChannel 0: Yeah.\n\nChannel 1: me so, you know.\n\nChannel 0: Yeah. So we can provide advice around what to do with the funds that you do get back. If it's more around your tax return, we don't do your tax return for you. It's more of an\n\nChannel 1: Yeah.\n\nChannel 0: accountant thing.\n\nChannel 1: Yeah.\n\nChannel 0: Did you\n\nChannel 1: No.\n\nChannel 0: want\n\nChannel 1: I'm\n\nChannel 0: us to put you in touch with an accountant, or have you\n\nChannel 1: saying.\n\nChannel 0: got one that you're\n\nChannel 1: Yep.\n\nChannel 0: comfortable using? Or\n\nChannel 1: No. Well, I haven't got one, so that's probably why. So I've probably\n\nChannel 0: yeah.\n\nChannel 1: stuck around and give you the minimum and just down there, it's not really worth it. Probably cost\n\nChannel 0: Okay.\n\nChannel 1: you more than what you get in return.\n\nChannel 0: Yeah. Did you want us to maybe put you in touch with an accountant to have a chat about what\n\nChannel 1: Yeah.\n\nChannel 0: they can\n\nChannel 1: If you\n\nChannel 0: offer\n\nChannel 1: could say\n\nChannel 0: and\n\nChannel 1: that,\n\nChannel 0: how much\n\nChannel 1: I'll\n\nChannel 0: they\n\nChannel 1: definitely\n\nChannel 0: charge their\n\nChannel 1: give\n\nChannel 0: services?\n\nChannel 1: them a call and there's another situation I'm in sort of thing, and then if they're\n\nChannel 0: Yep.\n\nChannel 1: happy to help out, you know, help me find them what's supposed to go\n\nChannel 0: Yeah. Yeah. Absolutely. Well, in the email, I can have the information on the account. And\n\nChannel 1: right\n\nChannel 0: if\n\nChannel 1: or\n\nChannel 0: you're\n\nChannel 1: whatnot.\n\nChannel 0: happy if you would like to give them a call, if\n\nChannel 1: Yep.\n\nChannel 0: you decide you want us to put you in touch with them, just let me know. We can always do a referral email through to them and get them to contact you. But I'll start by just sending you their information. You can look at what you'd like to do and let me know how you wanna move forward there. Okay?\n\nChannel 1: No. You're gonna sound good.\n\nChannel 0: Beautiful. Easy. As I kinda mentioned, we also have the ongoing service agreement attached there. So that does note that you do pay us an ongoing service fee for looking after your super and all the work we do in the back end for you. You do pay\n\nChannel 1: Yep.\n\nChannel 0: 1.65% per annum, and that is basically a percentage basis a year. So with your ongoing service fee, it comes out of your super on in smaller monthly increments, and it is linked to the performance of your super. So our fee as a percentage does fluctuate with the market depending on, you know, what happens there. It means that when your super is doing really well and you've got a good return, our fee will increase with it. However, at times, the markets do take a bit of a dip.\n\nIt does mean that our fee would decrease there with it, and paying the ongoing service agreement also means that we're giving you the advice and updating the advice free of charge. Okay?\n\nChannel 1: Yep. Alright.\n\nChannel 0: Yeah.\n\nChannel 1: Sounds good.\n\nChannel 0: Perfect. Well, I'll send those documents out to you. If you can just sign the ongoing service agreement, send it back there for me. There may be some other additional documents. We do also have a tax file opt in form, just letting you know that we do hold your tax phone number because we set you safe for us and your insurances.\n\nSo we'd like to make sure you're aware of the information we hold on you. So we'll get you to sign sign and return that back as well. And then there'll just be some other, you know, additional documents for you to run your eyes over as well, like the financial services guide. Okay?\n\nChannel 1: Yep. That sounds good. Thank you.\n\nChannel 0: Easy. Have I kinda touched on everything you wanted to touch on today? Is there anything additional you wanted me to or needed to ask while you have\n\nChannel 1: No.\n\nChannel 0: me here\n\nChannel 1: It's pretty\n\nChannel 0: at all?\n\nChannel 1: much the you touched on every little subject you had going on there, so good.\n\nChannel 0: Yeah.\n\nChannel 1: Probably, I'm gonna\n\nChannel 0: Yes.\n\nChannel 1: send my laboratory, and I'll speak fine. So whatnot, we'll just get through everything again.\n\nChannel 0: Yeah.\n\nChannel 1: So, yeah,\n\nChannel 0: Absolutely.\n\nChannel 1: pretty happy with everything at the moment.\n\nChannel 0: Oh, perfect. Well, thank you so much. I'll get those emails out to you shortly. And if you do have any questions, you're welcome to let me know. Okay?\n\nChannel 1: Not a problem. Thank you.\n\nChannel 0: Thanks so much. I'll talk soon. See you later.\n\nChannel 1: Alright. Thank you. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.032931387424468994}],"sentiment":"neutral","sentiment_score":0.032931387424468994,"channel":1,"num_words":1,"start":0.56,"end":1.06},{"sentences":[{"text":"Hi, Alisa.","start":1.76,"end":2.56,"sentiment":"neutral","sentiment_score":0.1381036527454853},{"text":"It's Dana from","start":2.56,"end":3.12,"sentiment":"neutral","sentiment_score":0.2109887401262919}],"sentiment":"neutral","sentiment_score":0.18183470517396927,"channel":0,"num_words":5,"start":1.76,"end":3.12},{"sentences":[{"text":"Good.","start":3.04,"end":3.54,"sentiment":"neutral","sentiment_score":0.3300217092037201}],"sentiment":"neutral","sentiment_score":0.3300217092037201,"channel":1,"num_words":1,"start":3.04,"end":3.54},{"sentences":[{"text":"Okey Financial.","start":3.12,"end":4.08,"sentiment":"neutral","sentiment_score":0.28457003831863403},{"text":"How are 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does have in there the updated information, your super balance, the level of cover that you have currently, how much you are paying for those.","start":1512.695,"end":1519.49,"sentiment":"neutral","sentiment_score":0.2011910780118062},{"text":"It's also got your internal rate of return, the portfolio report showing everything we've gone through today with regard to how you performed.","start":1519.49,"end":1526.79,"sentiment":"neutral","sentiment_score":0.21560017829355987}],"sentiment":"neutral","sentiment_score":0.2365952219630851,"channel":0,"num_words":61,"start":1509.4149,"end":1526.79},{"sentences":[{"text":"Yep.","start":1527.55,"end":1528.05,"sentiment":"neutral","sentiment_score":0.1506817489862442}],"sentiment":"neutral","sentiment_score":0.1506817489862442,"channel":1,"num_words":1,"start":1527.55,"end":1528.05},{"sentences":[{"text":"It does also have in there our financial services guide, which outlines everything about who we are, what we do, how we do it, has all my 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term.","start":1541.5599,"end":1552.2999,"sentiment":"neutral","sentiment_score":0.33146591685913707}],"sentiment":"neutral","sentiment_score":0.23321355681821523,"channel":0,"num_words":83,"start":1527.5549,"end":1552.2999},{"sentences":[{"text":"Yep.","start":1552.78,"end":1553.28,"sentiment":"neutral","sentiment_score":0.03916609287261963}],"sentiment":"neutral","sentiment_score":0.03916609287261963,"channel":1,"num_words":1,"start":1552.78,"end":1553.28},{"sentences":[{"text":"With with regards to the goals, sir, do you think you're wanting to hopefully retire around about 60, or do you think you'd probably work a bit longer?","start":1553.385,"end":1559.865,"sentiment":"neutral","sentiment_score":-0.006512413666184459},{"text":"What's your kinda goal 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outside, you know, so it's a bit cheaper and then build it out from that.","start":1615.48,"end":1620.165,"sentiment":"neutral","sentiment_score":0.09565709119564608},{"text":"And then whatever you build","start":1620.165,"end":1621.765,"sentiment":"neutral","sentiment_score":0.09622587412595748}],"sentiment":"neutral","sentiment_score":0.09577558763946097,"channel":1,"num_words":24,"start":1615.48,"end":1621.765},{"sentences":[{"text":"Yeah.","start":1621.6749,"end":1622.1749,"sentiment":"neutral","sentiment_score":0.227809876203537}],"sentiment":"neutral","sentiment_score":0.227809876203537,"channel":0,"num_words":1,"start":1621.6749,"end":1622.1749},{"sentences":[{"text":"on it, you know, adds value to it 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good.","start":1719.87,"end":1721.41,"sentiment":"neutral","sentiment_score":0.32255904376506805}],"sentiment":"neutral","sentiment_score":0.27656855881214143,"channel":1,"num_words":5,"start":1719.7101,"end":1721.41},{"sentences":[{"text":"Beautiful.","start":1721.265,"end":1721.765,"sentiment":"positive","sentiment_score":0.6368952989578247},{"text":"Easy.","start":1721.8251,"end":1722.3251,"sentiment":"positive","sentiment_score":0.4786602258682251},{"text":"As I kinda mentioned, we also have the ongoing service agreement attached there.","start":1722.545,"end":1725.905,"sentiment":"neutral","sentiment_score":0.1084252825150123},{"text":"So that does note that you do pay us an ongoing service fee for looking after your super and all the work we do in the back end for you.","start":1725.905,"end":1732.32,"sentiment":"neutral","sentiment_score":0.1100496757775545},{"text":"You do pay","start":1732.7999,"end":1733.36,"sentiment":"neutral","sentiment_score":0.06139492988586426}],"sentiment":"neutral","sentiment_score":0.12522415126052996,"channel":0,"num_words":48,"start":1721.265,"end":1733.36},{"sentences":[{"text":"Yep.","start":1733.085,"end":1733.58,"sentiment":"neutral","sentiment_score":0.07711131870746613}],"sentiment":"neutral","sentiment_score":0.07711131870746613,"channel":1,"num_words":1,"start":1733.085,"end":1733.58},{"sentences":[{"text":"1.65% per annum, and that is basically a percentage basis a year.","start":1733.36,"end":1738.48,"sentiment":"neutral","sentiment_score":0.08341660661002},{"text":"So with your ongoing service fee, it comes out of your super on in smaller monthly increments, and it is linked to the performance of your super.","start":1738.48,"end":1746.345,"sentiment":"neutral","sentiment_score":0.08719742905210566},{"text":"So our fee as a percentage does fluctuate with the market depending on, you know, what happens there.","start":1746.345,"end":1751.465,"sentiment":"neutral","sentiment_score":0.04792910462452306},{"text":"It means that when your super is doing really well and you've got a good return, our fee will increase with it.","start":1751.465,"end":1756.505,"sentiment":"neutral","sentiment_score":0.1491730236871676},{"text":"However, at times, the markets do take a bit of a dip.","start":1756.505,"end":1758.985,"sentiment":"neutral","sentiment_score":-0.07670578143248956}],"sentiment":"neutral","sentiment_score":0.07230099880105846,"channel":0,"num_words":91,"start":1733.36,"end":1758.985},{"sentences":[{"text":"It does mean that our fee would decrease there with it, and paying the ongoing service agreement also means that we're giving you the advice and updating the advice free of charge.","start":1758.985,"end":1767.79,"sentiment":"neutral","sentiment_score":0.0731447454309091},{"text":"Okay?","start":1767.79,"end":1768.29,"sentiment":"neutral","sentiment_score":0.05325210094451904}],"sentiment":"neutral","sentiment_score":0.0725419380222306,"channel":0,"num_words":33,"start":1758.985,"end":1768.29},{"sentences":[{"text":"Yep.","start":1768.33,"end":1768.83,"sentiment":"neutral","sentiment_score":0.07764360308647156},{"text":"Alright.","start":1769.0499,"end":1769.45,"sentiment":"neutral","sentiment_score":0.13313862681388855}],"sentiment":"neutral","sentiment_score":0.10539111495018005,"channel":1,"num_words":2,"start":1768.33,"end":1769.45},{"sentences":[{"text":"Yeah.","start":1769.31,"end":1769.81,"sentiment":"neutral","sentiment_score":0.22743135690689087}],"sentiment":"neutral","sentiment_score":0.22743135690689087,"channel":0,"num_words":1,"start":1769.31,"end":1769.81},{"sentences":[{"text":"Sounds good.","start":1769.45,"end":1770.2699,"sentiment":"positive","sentiment_score":0.43859976530075073}],"sentiment":"positive","sentiment_score":0.43859976530075073,"channel":1,"num_words":2,"start":1769.45,"end":1770.2699},{"sentences":[{"text":"Perfect.","start":1769.87,"end":1770.37,"sentiment":"positive","sentiment_score":0.40398892760276794},{"text":"Well, I'll send those documents out to you.","start":1771.15,"end":1772.75,"sentiment":"neutral","sentiment_score":0.16116570867598057},{"text":"If you can just sign the ongoing service agreement, send it back there for me.","start":1772.75,"end":1776.045,"sentiment":"neutral","sentiment_score":0.12680920710166296},{"text":"There may be some other additional documents.","start":1776.2051,"end":1778.125,"sentiment":"neutral","sentiment_score":0.07047712643231664},{"text":"We do also have a tax file opt in form, just letting you know that we do hold your tax phone number because we set you safe for us and your insurances.","start":1778.125,"end":1784.785,"sentiment":"neutral","sentiment_score":0.19263232895173132}],"sentiment":"neutral","sentiment_score":0.16274646214312977,"channel":0,"num_words":63,"start":1769.87,"end":1784.785},{"sentences":[{"text":"So we'd like to make sure you're aware of the information we hold on you.","start":1785.5651,"end":1788.525,"sentiment":"neutral","sentiment_score":0.08846433063348134},{"text":"So we'll get you to sign sign and return that back as well.","start":1788.525,"end":1791.75,"sentiment":"neutral","sentiment_score":0.2083426072047307},{"text":"And then there'll just be some other, you know, additional documents for you to run your eyes over as well, like the financial services guide.","start":1792.07,"end":1798.01,"sentiment":"neutral","sentiment_score":0.171419375538826},{"text":"Okay?","start":1798.07,"end":1798.57,"sentiment":"neutral","sentiment_score":0.13599643111228943}],"sentiment":"neutral","sentiment_score":0.1566092531990122,"channel":0,"num_words":54,"start":1785.5651,"end":1798.57},{"sentences":[{"text":"Yep.","start":1798.6,"end":1799.1,"sentiment":"positive","sentiment_score":0.367853969335556},{"text":"That sounds good.","start":1799.16,"end":1799.7999,"sentiment":"positive","sentiment_score":0.7881969014803568},{"text":"Thank you.","start":1799.7999,"end":1800.555,"sentiment":"positive","sentiment_score":0.8222553730010986}],"sentiment":"positive","sentiment_score":0.7294925699631373,"channel":1,"num_words":6,"start":1798.6,"end":1800.555},{"sentences":[{"text":"Easy.","start":1801.11,"end":1801.61,"sentiment":"positive","sentiment_score":0.5688976049423218},{"text":"Have I kinda touched on everything you wanted to touch on today?","start":1801.91,"end":1804.63,"sentiment":"neutral","sentiment_score":0.17391837015748024},{"text":"Is there anything additional you wanted me to or needed to ask while you have","start":1804.63,"end":1808.345,"sentiment":"neutral","sentiment_score":0.0006463451931873961}],"sentiment":"neutral","sentiment_score":0.09520047231178198,"channel":0,"num_words":28,"start":1801.11,"end":1808.345},{"sentences":[{"text":"No.","start":1808.3151,"end":1808.555,"sentiment":"neutral","sentiment_score":-0.05984198674559593}],"sentiment":"neutral","sentiment_score":-0.05984198674559593,"channel":1,"num_words":1,"start":1808.3151,"end":1808.555},{"sentences":[{"text":"me here","start":1808.345,"end":1808.745,"sentiment":"neutral","sentiment_score":-0.0544787272810936}],"sentiment":"neutral","sentiment_score":-0.0544787272810936,"channel":0,"num_words":2,"start":1808.345,"end":1808.745},{"sentences":[{"text":"It's pretty","start":1808.555,"end":1809.035,"sentiment":"neutral","sentiment_score":0.18982331454753876}],"sentiment":"neutral","sentiment_score":0.18982331454753876,"channel":1,"num_words":2,"start":1808.555,"end":1809.035},{"sentences":[{"text":"at all?","start":1808.745,"end":1809.325,"sentiment":"neutral","sentiment_score":0.17536673694849014}],"sentiment":"neutral","sentiment_score":0.17536673694849014,"channel":0,"num_words":2,"start":1808.745,"end":1809.325},{"sentences":[{"text":"much the you touched on every little subject you had going on there, so good.","start":1809.035,"end":1812.655,"sentiment":"positive","sentiment_score":0.38046473761399585}],"sentiment":"positive","sentiment_score":0.38046473761399585,"channel":1,"num_words":15,"start":1809.035,"end":1812.655},{"sentences":[{"text":"Yeah.","start":1812.1849,"end":1812.6849,"sentiment":"neutral","sentiment_score":0.16115029156208038}],"sentiment":"neutral","sentiment_score":0.16115029156208038,"channel":0,"num_words":1,"start":1812.1849,"end":1812.6849},{"sentences":[{"text":"Probably, I'm gonna","start":1813.51,"end":1814.23,"sentiment":"neutral","sentiment_score":0.03305334970355034}],"sentiment":"neutral","sentiment_score":0.03305334970355034,"channel":1,"num_words":3,"start":1813.51,"end":1814.23},{"sentences":[{"text":"Yes.","start":1814.1849,"end":1814.6849,"sentiment":"neutral","sentiment_score":0.04751250147819519}],"sentiment":"neutral","sentiment_score":0.04751250147819519,"channel":0,"num_words":1,"start":1814.1849,"end":1814.6849},{"sentences":[{"text":"send my laboratory, and I'll speak fine.","start":1814.23,"end":1815.83,"sentiment":"neutral","sentiment_score":0.09584928197520119},{"text":"So whatnot, we'll just get through everything again.","start":1815.83,"end":1818.33,"sentiment":"neutral","sentiment_score":0.15327485278248787}],"sentiment":"neutral","sentiment_score":0.12647625307242075,"channel":1,"num_words":15,"start":1814.23,"end":1818.33},{"sentences":[{"text":"Yeah.","start":1818.745,"end":1819.1449,"sentiment":"neutral","sentiment_score":0.21716095507144928}],"sentiment":"neutral","sentiment_score":0.21716095507144928,"channel":0,"num_words":1,"start":1818.745,"end":1819.1449},{"sentences":[{"text":"So, yeah,","start":1818.7899,"end":1819.27,"sentiment":"neutral","sentiment_score":0.22621285915374756}],"sentiment":"neutral","sentiment_score":0.22621285915374756,"channel":1,"num_words":2,"start":1818.7899,"end":1819.27},{"sentences":[{"text":"Absolutely.","start":1819.1449,"end":1819.6449,"sentiment":"positive","sentiment_score":0.4937674403190613}],"sentiment":"positive","sentiment_score":0.4937674403190613,"channel":0,"num_words":1,"start":1819.1449,"end":1819.6449},{"sentences":[{"text":"pretty happy with everything at the moment.","start":1819.27,"end":1820.9,"sentiment":"positive","sentiment_score":0.6949793951851981}],"sentiment":"positive","sentiment_score":0.6949793951851981,"channel":1,"num_words":7,"start":1819.27,"end":1820.9},{"sentences":[{"text":"Oh, perfect.","start":1821.3201,"end":1822.14,"sentiment":"positive","sentiment_score":0.7592435479164124},{"text":"Well, thank you so much.","start":1822.2001,"end":1823.66,"sentiment":"positive","sentiment_score":0.788162100315094},{"text":"I'll get those emails out to you shortly.","start":1823.72,"end":1825.48,"sentiment":"positive","sentiment_score":0.5292156115174294},{"text":"And if you do have any questions, you're welcome to let me know.","start":1825.48,"end":1828.12,"sentiment":"positive","sentiment_score":0.37806923114336455},{"text":"Okay?","start":1828.12,"end":1828.62,"sentiment":"neutral","sentiment_score":0.2234937995672226}],"sentiment":"positive","sentiment_score":0.5114281480682308,"channel":0,"num_words":29,"start":1821.3201,"end":1828.62},{"sentences":[{"text":"Not a problem.","start":1828.999,"end":1829.719,"sentiment":"positive","sentiment_score":0.47109246253967285},{"text":"Thank you.","start":1829.719,"end":1830.459,"sentiment":"positive","sentiment_score":0.7212914824485779}],"sentiment":"positive","sentiment_score":0.5711720705032348,"channel":1,"num_words":5,"start":1828.999,"end":1830.459},{"sentences":[{"text":"Thanks so much.","start":1830.68,"end":1831.56,"sentiment":"positive","sentiment_score":0.8035024603207906},{"text":"I'll talk soon.","start":1831.56,"end":1832.7001,"sentiment":"positive","sentiment_score":0.47826777895291644},{"text":"See you later.","start":1832.8401,"end":1833.66,"sentiment":"positive","sentiment_score":0.3943716883659363}],"sentiment":"positive","sentiment_score":0.5587139758798811,"channel":0,"num_words":9,"start":1830.68,"end":1833.66},{"sentences":[{"text":"Alright.","start":1833.239,"end":1833.739,"sentiment":"neutral","sentiment_score":0.30578696727752686},{"text":"Thank you.","start":1833.799,"end":1834.359,"sentiment":"positive","sentiment_score":0.6276417076587677},{"text":"Bye.","start":1834.359,"end":1834.859,"sentiment":"positive","sentiment_score":0.3391055464744568}],"sentiment":"positive","sentiment_score":0.47504398226737976,"channel":1,"num_words":4,"start":1833.239,"end":1834.859},{"sentences":[{"text":"Bye.","start":1834.52,"end":1835.02,"sentiment":"neutral","sentiment_score":-0.11089913547039032}],"sentiment":"neutral","sentiment_score":-0.11089913547039032,"channel":0,"num_words":1,"start":1834.52,"end":1835.02}]},"summary":{"result":"success","short":"During a call with a financial representative from Good Financial, the customer discusses their annual review and contributions from work and work. They also discuss the possibility of adding other contributions and attaching them around the current pay. The agent suggests adding additional contributions and attaching around the beneficiary around the current pay. They also discuss the customer's risk profile and ongoing service agreement. The agent provides information on fees and ongoing services and reminds the customer to let them know if they have any questions."},"intents":{"segments":[{"text":"I had to book in to go through an annual review now. Is now still a good time there for you? Yeah.","start_word":18,"end_word":39,"intents":[{"intent":"Book annual review","confidence_score":0.56766117}]},{"text":"Do you guys get that public holiday over in WA at all? Yeah.","start_word":48,"end_word":60,"intents":[{"intent":"Confirm holidays","confidence_score":0.027395109}]},{"text":"And just to do security there as well, we are discussing your personal information. I'll just get you to confirm your full name, your address, and date of birth I should have on file. Southside William Eaton Watson.","start_word":150,"end_word":187,"intents":[{"intent":"Confirm security","confidence_score":0.2375551}]},{"text":"Thank you so much for that. What I'll do for you to make it easier, because I know you are working, is I'll go through. We'll have a chat about your annual review. I'll give you a bit of an update on everything there. And then after the call, I'll send through your annual review pack for you to have a look at and to sign a return back for us. Yep.","start_word":196,"end_word":267,"intents":[{"intent":"Send annual review pack","confidence_score":0.098595254}]},{"text":"Firstly, Elsa, before we jump into the call and run through everything, is there anything particular you wanted me to kind of touch base on or any questions you might have for me here at the moment? No.","start_word":270,"end_word":307,"intents":[{"intent":"Touch base on questions","confidence_score":0.29537615}]},{"text":"It's still ongoing at the moment. But, yeah, you got Yep. all the main work done. They're just looking after it, progress, sort of work, and just Yeah.","start_word":419,"end_word":446,"intents":[{"intent":"Update progress","confidence_score":0.12577467}]},{"text":"so it seems because sometimes the wages fucking change. So, like, say, I'm working at North at the moment. I'll probably Yeah. clear about a 3 and a half grand, and then when I go back express, you know, if you'd like to get, you know, 1,500 to a grand totaling. So Yeah. Yeah.","start_word":1017,"end_word":1070,"intents":[{"intent":"Evaluate benefits","confidence_score":0.029734593}]},{"text":"my team to give you a call then, and we can have a chat about the additional contributions. Yeah.","start_word":1265,"end_word":1283,"intents":[{"intent":"Schedule call with adviser","confidence_score":0.11430775}]},{"text":"you fairly comfortable with the life benefit you have? Did you wanna look at altering that in any way, shape, or form?","start_word":1574,"end_word":1595,"intents":[{"intent":"Clarify benefit options","confidence_score":0.0012125054}]},{"text":"So the restrictions are around leaving a beneficiary on super annual life policy.","start_word":1776,"end_word":1788,"intents":[{"intent":"Explain law restrictions","confidence_score":2.683308e-7}]},{"text":"I wouldn't but have he anyone can that relies on me financially, so no. I think. Yeah.","start_word":2134,"end_word":2150,"intents":[{"intent":"Handle payment","confidence_score":0.011440569}]},{"text":"we nominate your legal personal representative, so we tick the LPR box. And it means if you were to pass away, your super and your wife benefit just get paid to your estate, and then you just need to make sure you have a will done up. That's all.","start_word":2171,"end_word":2219,"intents":[{"intent":"Nominate legal representative","confidence_score":0.37794358}]},{"text":"And then if you like, we can also send through some information on a local solicitor here on the Gold Coast. They have they're fine to do things by email and phone as well if you're, you know, because you're in WA. But we can always send that information through to you to kinda help looking at getting a will drawn up to make sure everything is set up correctly. Yeah.","start_word":2289,"end_word":2359,"intents":[{"intent":"Send information","confidence_score":0.1908543}]},{"text":"We'll send that through to you so you have that information, and we'll I'll get my team to pre fill that beneficiary nomination for you.","start_word":2504,"end_word":2528,"intents":[{"intent":"Pre fill beneficiary nomination","confidence_score":0.027306244}]},{"text":"That way, I'll just sort of print it out, then I'll show it out with my or whatnot. Yeah.","start_word":2557,"end_word":2575,"intents":[{"intent":"Print nomination","confidence_score":0.26693174}]},{"text":"Now with your TBD, so total common disability cover, you have the same level of benefit as your life. Are you comfortable keeping the benefit the same, or did you wanna review the benefit amount? Yeah.","start_word":2623,"end_word":2658,"intents":[{"intent":"Review disability cover","confidence_score":0.00068560784},{"intent":"Review benefit amount","confidence_score":0.6459878}]},{"text":"Income the protection based on moment. your income, I have you earning about a 120,000. So Is that fairly accurate for it's good. where you Yeah.","start_word":2719,"end_word":2744,"intents":[{"intent":"Clarify income coverage","confidence_score":0.0034878703}]},{"text":"you do have for the income protection, it does show you're a little bit underinsured at the moment. So with income protection, you can be covered up to seven 70% of your current income, which may mean that you'd need to have a monthly benefit of about 7,000 per month.","start_word":2763,"end_word":2812,"intents":[{"intent":"Provide monthly benefit","confidence_score":0.041009214}]},{"text":"benefit's about 5,632. Obviously, that's a gross benefit as well, so income tax is in play with that. So if you do receive your monthly benefit, you also pay income tax on that as well. Yep.","start_word":2816,"end_word":2851,"intents":[{"intent":"Explain tax effect","confidence_score":0.000020131973}]},{"text":"But did you wanna review the income protection, maybe increase Yeah.","start_word":2853,"end_word":2863,"intents":[{"intent":"Review income protection","confidence_score":0.38386005},{"intent":"Review investment","confidence_score":0.15003037}]},{"text":"Are there any changes to your health that we might need to maybe take into account from that application, or do you think everything should be still the same? Yeah.","start_word":2946,"end_word":2975,"intents":[{"intent":"Review health","confidence_score":0.13651985}]},{"text":"Did you want me to kinda review the managed fund for you as well, make sure it's invested in the best Yeah.","start_word":3182,"end_word":3203,"intents":[{"intent":"Review managed fund","confidence_score":0.07615848}]},{"text":"Another thing I probably could also put look for you is we've actually set up so you've got this one managed fund, which essentially, when you look at your hub 24, you see the I shares aggressive enhanced index fund. We actually have our own managed fund or separately managed account, which we could always look at putting you into.","start_word":3222,"end_word":3281,"intents":[{"intent":"Discuss investment options","confidence_score":0.034713898}]},{"text":"It's generally a low cost fund, and it basically means that within having these managed funds, if there are changes that need to happen to the portfolio or changes that are occurring in the world generally that we need to update the investments to align with market conditions, we can do so.","start_word":3286,"end_word":3337,"intents":[{"intent":"Discuss portfolio updates","confidence_score":0.01714302}]},{"text":"Now has anyone ever spoken to you about other types of insurances like trauma cover?","start_word":3601,"end_word":3615,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.10920849}]},{"text":"can look at a quote for you to show you what it might cost if you were to maybe get, say, one or two years worth of income. How much trauma do you think you'd like to be covered for?","start_word":3818,"end_word":3857,"intents":[{"intent":"Get quote for trauma coverage","confidence_score":0.0027584978}]},{"text":"With your home and contents insurance, what do you have your contents valued at? If you remember.","start_word":4119,"end_word":4135,"intents":[{"intent":"Gather insurance information","confidence_score":0.0008552098}]},{"text":"about the investment a bit more.","start_word":4370,"end_word":4375,"intents":[{"intent":"Discuss investment and investment","confidence_score":0.009822882}]},{"text":"The last thing I wanted to do before I let you go is just to double check your risk profile as well.","start_word":4399,"end_word":4420,"intents":[{"intent":"Double check risk profile","confidence_score":0.16997686}]},{"text":"Well, I'll note that one down there for you. buddy.","start_word":4571,"end_word":4580,"intents":[{"intent":"Note portfolio","confidence_score":0.0020888413}]},{"text":"And the next question I have here is thinking about your super now I know your balance is quite lower that you are sort of building it at the moment, but if you were to say, you know, look at your super in the next sort of three to six or even twelve months and note it was down due to what was happening globally in the world. How do you think you might be feeling about that?","start_word":4582,"end_word":4659,"intents":[{"intent":"Discuss super debt","confidence_score":0.0045447918}]},{"text":"Because by the time you retire and the way the government case changed and everything, you'd like to get your retirement by the time you're saying a hundred and twenty. You know? Yep.","start_word":4670,"end_word":4702,"intents":[{"intent":"Consider retirement age","confidence_score":0.054379083}]},{"text":"Have you been thinking about sort of future goals? Did you ever wanna look at maybe having investment properties in the future, or it's not something that sort of cost your mind? Yeah.","start_word":4987,"end_word":5019,"intents":[{"intent":"Analyze investment plans","confidence_score":0.00006833438}]},{"text":"Now we do have you in that sort of growth portfolio environment, and you've sort of scored in that same area. So that typically sees about 80% of your super invested in growth assets. This is in Australian shares as well Yeah.","start_word":5077,"end_word":5118,"intents":[{"intent":"Analyze portfolio options","confidence_score":0.00036767445}]},{"text":"Now after the call, you will get your annual review packet. It does have in there the updated information, your super balance, the level of cover that you have currently, how much you are paying for those. It's also got your internal rate of return, the portfolio report showing everything we've gone through today with regard to how you performed. Yep.","start_word":5479,"end_word":5539,"intents":[{"intent":"Update and update information","confidence_score":0.0030018247}]},{"text":"Yep.","start_word":5623,"end_word":5623,"intents":[{"intent":"Help reach goals","confidence_score":0.0017436697}]},{"text":"With with regards to the goals, sir, do you think you're wanting to hopefully retire around about 60, or do you think you'd probably work a bit longer?","start_word":5624,"end_word":5651,"intents":[{"intent":"Work on retirement goals","confidence_score":0.04634623}]},{"text":"So you you can't actually access super to the age of 60 at the moment. Yeah.","start_word":5690,"end_word":5705,"intents":[{"intent":"Notify retirement age","confidence_score":0.09058701}]},{"text":"We can definitely look at helping and providing advice on building wealth outside of super, whether that be, know, building investment portfolios and diverting money into other areas Yeah.","start_word":5714,"end_word":5742,"intents":[{"intent":"Provide advice on building wealth outside super","confidence_score":0.0012444075}]},{"text":"Well, we can definitely help. And when you are ready for that, let me know. We can look at whether we provide advice from that or refer you to a mortgage So broker what did to you assist wanna with get the in purchase. contact with about that stuff?","start_word":5912,"end_word":5960,"intents":[{"intent":"Get advice","confidence_score":0.13151}]},{"text":"want I'm us to put you in touch with an accountant, or have you saying. got one that you're Yep. comfortable using? Or No.","start_word":6094,"end_word":6117,"intents":[{"intent":"Get in touch with accountant","confidence_score":0.02186495}]},{"text":"them a call and there's another situation I'm in sort of thing, and then if they're Yep. happy to help out, you know, help me find them what's supposed to go Yeah.","start_word":6198,"end_word":6229,"intents":[{"intent":"Connect with yep","confidence_score":0.013938797}]},{"text":"happy to help out, you know, help me find them what's supposed to go Yeah.","start_word":6214,"end_word":6228,"intents":[{"intent":"Obtain information","confidence_score":0.02324907}]},{"text":"Well, I'll send those documents out to you. If you can just sign the ongoing service agreement, send it back there for me.","start_word":6506,"end_word":6528,"intents":[{"intent":"Send documents","confidence_score":0.27622172}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Alisa. It's Dana from Good. Okey Financial. How are you? Yeah.","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.2078171968460083},{"text":"Good. Thank you. Sounds good.","start_word":13,"end_word":17,"sentiment":"positive","sentiment_score":0.6584675312042236},{"text":"I had to book in to go through an annual review now. Is now still a good time there for you? Yeah.","start_word":18,"end_word":39,"sentiment":"neutral","sentiment_score":0.3088531196117401},{"text":"Now's a good time.","start_word":40,"end_word":43,"sentiment":"positive","sentiment_score":0.4680682420730591},{"text":"Yeah. Yeah. All good. Do you guys get that public holiday over in WA at all? Yeah. Because they're in that day. Yeah. Oh, that's nice. Unfortunately, here in Queensland, we don't. So, hopefully, you're enjoying it. Yeah. Yeah. Especially when you're working, you double time and a half, so happy No. Nice. Nice. days All good. And before we jump from into the call with the annual review, I just need to let you know we do that record our calls for quality and training purposes. Moving forward, one. are you happy and comfortable for me to do that for you? Yeah. That's fine.","start_word":44,"end_word":148,"sentiment":"neutral","sentiment_score":0.1280722618103027},{"text":"Fantastic.","start_word":149,"end_word":149,"sentiment":"positive","sentiment_score":0.5590912103652954},{"text":"And just to do security there as well, we are discussing your personal information. I'll just get you to confirm your full name, your address, and date of birth I should have on file. Southside William Eaton Watson. 30 Yep. 83711 Barrow Yep. Street, Albert.","start_word":150,"end_word":194,"sentiment":"neutral","sentiment_score":0.10527774691581726},{"text":"Beautiful. Thank you so much for that. What I'll do for you to make it easier, because I know you are working, is I'll go through.","start_word":195,"end_word":220,"sentiment":"positive","sentiment_score":0.40592461824417114},{"text":"We'll have a chat about your annual review. I'll give you a bit of an update on everything there. And then after the call, I'll send through your annual review pack for you to have a look at and to sign a return back for us. Yep. Okay?","start_word":221,"end_word":268,"sentiment":"neutral","sentiment_score":0.2085958570241928},{"text":"Fantastic.","start_word":269,"end_word":269,"sentiment":"positive","sentiment_score":0.34970635175704956},{"text":"Firstly, Elsa, before we jump into the call and run through everything, is there anything particular you wanted me to kind of touch base on or any questions you might have for me here at the moment? No. Everything's all pretty good at the moment. So Yeah. All good. Do you happen to log in and have a look at your super very often, or have you been avoiding it? I'm probably to be honest, probably been avoiding it. Generally done. Yeah. Since I got all the money out, I got the money Yeah. out because then all works and all that sort of stuff. Yeah. Yep. I haven't really Yep. looked at it. But, No. That's yeah, just okay. started building up and back into it again. Yeah. Absolutely. And how's everything been since you had all that dental work? Has everything calmed down? You recovered nicely? Yeah. It's still ongoing at the moment. But, yeah, you got Yep. all the main work done. They're just looking after it, progress, sort of work, and just Yeah. little bits and pieces. So Yeah. that's Yeah.","start_word":270,"end_word":454,"sentiment":"neutral","sentiment_score":0.07134159734925709},{"text":"been good.","start_word":455,"end_word":456,"sentiment":"positive","sentiment_score":0.4707885980606079},{"text":"Abs absolutely.","start_word":457,"end_word":458,"sentiment":"neutral","sentiment_score":0.22792112827301023},{"text":"Well, hopefully, the recovery continues good and all okay.","start_word":459,"end_word":467,"sentiment":"positive","sentiment_score":0.4998497664928436},{"text":"I'll give you a bit of an update on your super there. So having a look, even though there's a lot going on at the world at the moment, your Yep. balance last year at this time last year was about $34,005.05 6, and then so your balance now, we've got about 40,040 thousand and 99 in there.","start_word":468,"end_word":525,"sentiment":"neutral","sentiment_score":0.1463303565979004},{"text":"So you have gone up. You've had about an 18% return.","start_word":526,"end_word":536,"sentiment":"positive","sentiment_score":0.43276503682136536},{"text":"Earnings wise, it does equate to about bit over $6,000 for the year. So your balance Yes.","start_word":537,"end_word":553,"sentiment":"neutral","sentiment_score":0.26657477021217346},{"text":"has increased on this time last year, which is good. You're still getting that additional growth in there.","start_word":554,"end_word":571,"sentiment":"positive","sentiment_score":0.5400703549385071},{"text":"And as as you said, you're building things back up a bit. So with the contributions going in from work and, obviously, the growth that we are getting there as well, that'll continue to compound, and we'll certainly keep monitoring things there for you. Yeah.","start_word":572,"end_word":616,"sentiment":"neutral","sentiment_score":0.2683515250682831},{"text":"But to come out with everything that's been going on, you've still got a positive result at the end of the twelve months, so it is really good to see.","start_word":617,"end_word":646,"sentiment":"positive","sentiment_score":0.46066614985466},{"text":"Okay? Yes. I understand.","start_word":647,"end_word":650,"sentiment":"neutral","sentiment_score":0.26242995262145996},{"text":"I'm good. Fantastic.","start_word":651,"end_word":653,"sentiment":"positive","sentiment_score":0.5003222227096558},{"text":"I can also see here with the contributions. You're getting contributions from a few different places over the past few months there. Are you technically a contractor? Or Yeah. Most of the jobs, I would say, has a lot of construction. Not every job goes for certain amount of time. You know? So I just work around. So you're yeah. currently up off on the line to the moment, so I just the sleep is a lot better. Yeah. And then, Yeah. yeah, this is the same thing. It's coming to the end of the job, so I'll just hang around till the end and then go get another job, couple of their date. We close, sort of thing. Okay.","start_word":654,"end_word":773,"sentiment":"neutral","sentiment_score":0.09920215234160425},{"text":"Yeah. Beautiful. I mean, we're having a look at the contributions. They're all pretty consistent. So you seem to be getting you know, finishing one job and starting the next one fairly quickly, which is great to see.","start_word":774,"end_word":811,"sentiment":"positive","sentiment_score":0.515240490436554},{"text":"You're fairly Oh, yeah. constant With with my the car and role the workers, you're getting. that much work going on. Yeah. I'll probably get about three, four job offers a week just to go up.","start_word":812,"end_word":847,"sentiment":"neutral","sentiment_score":0.17850318551063538},{"text":"So Oh, that's fantastic.","start_word":848,"end_word":851,"sentiment":"positive","sentiment_score":0.6345329880714417},{"text":"No. Well, hopefully, it all continues. If anything does come up, let me know. Because you are kind of moving between different roles in a regular basis with jobs ending and contracts ending and things like that, Are you happy just with your employer contributions going in? Did you wanna look at maybe adding additional contributions outside of what your employers do put in, or you just wanna wait and see? What's your thoughts Yeah. there? I'll I'll wait and see. But, yeah, at the moment, not a pretty good number anyway, so it wouldn't hurt to put a bit more in there. So I'd be happy to have a look in that to Yep. see what's going on. It takes Yeah. tax down or whatnot. Yeah. Absolutely. Is there an amount that you'd be comfortable sort of putting in out of your week or fortnightly pay, or did you want us to sort of have a look Well, at what's it's just more beneficial? so it seems because sometimes the wages fucking change. So, like, say, I'm working at North at the moment. I'll probably Yeah. clear about a 3 and a half grand, and then when I go back express, you know, if you'd like to get, you know, 1,500 to a grand totaling. So Yeah. Yeah. Blockuates they heavily. Yeah. yeah. They just, like, fluctuate today and filling, and then, you know, I have a bit of money. I don't have a week or two option and so for a bit Yep. of a holiday filling. Yeah. That's So wait okay. wait wait Yeah. Did you the other option is we can always look at maybe attaching base around about sort for of June, having a look at what your contributions are that have the gone time. Yep. in, what you might have left over in savings, and what you might wanna be comfortable with putting in as maybe a lump sum and how that might benefit you. Did you wanna maybe hold off until early June, and we can maybe look into financial year for you depending also what your hours are and what your work is? Yeah. That that sounds like good. Because, yeah, about June time, then I'll have another couple of weeks and I'll sort of take it down on. Yeah. Yep. Yeah.","start_word":852,"end_word":1241,"sentiment":"neutral","sentiment_score":0.01982351528385129},{"text":"Perfect.","start_word":1242,"end_word":1242,"sentiment":"positive","sentiment_score":0.47871267795562744},{"text":"No worries. Not a worry at all. I'll put a catch up in the calendar for the early June. I'll get Yeah. my team to give you a call then, and we can have a chat about the additional contributions. Yeah. Yep. Yeah.","start_word":1243,"end_word":1285,"sentiment":"neutral","sentiment_score":0.1431976556777954},{"text":"That Fantastic. sounds right. Bye. Excellent.","start_word":1286,"end_word":1291,"sentiment":"positive","sentiment_score":0.5061971545219421},{"text":"Yeah.","start_word":1292,"end_word":1292,"sentiment":"neutral","sentiment_score":0.325416624546051},{"text":"Excellent.","start_word":1293,"end_word":1293,"sentiment":"positive","sentiment_score":0.4701727330684662},{"text":"I also just wanted to sort of go through your insurances with you as well. I know you are very time poor. You've got a lot going on there at the moment. With your Yes. current insurance policy, you've got your life, your TPD with one pass there. The current sum insured for those is 708,750. I'm sort of looking at where you are with your assets so that I can see you've got your main primary residence in the motor vehicle noted down with the only debt I can see is about 320,000. Is that fairly accurate? Yeah. It's probably going down about 300,000 at the moment. K? Yeah.","start_word":1294,"end_word":1403,"sentiment":"neutral","sentiment_score":0.01178586296737194},{"text":"Perfect.","start_word":1404,"end_word":1404,"sentiment":"positive","sentiment_score":0.3606102466583252},{"text":"And then Perfect. there's no debt on the card at all. Yep.","start_word":1405,"end_word":1416,"sentiment":"neutral","sentiment_score":0.2360906153917313},{"text":"Excellent.","start_word":1417,"end_word":1417,"sentiment":"positive","sentiment_score":0.474697083234787},{"text":"And So then we'll say probably 300 got a credit thousand card there. that's probably I'll just put I'll put it on a bank, wouldn't fall by the way, and then I'll just find that down. So that's Okay. on about 2 and a half grand at the so I'll probably clear that Alright. in a couple of weeks. Yep.","start_word":1418,"end_word":1477,"sentiment":"neutral","sentiment_score":0.07177747848133247},{"text":"Beautiful.","start_word":1478,"end_word":1478,"sentiment":"positive","sentiment_score":0.658272385597229},{"text":"So you're all about 2 to 2 and a half thousand on that one. Yeah. Yep.","start_word":1479,"end_word":1494,"sentiment":"neutral","sentiment_score":0.2288704365491867},{"text":"Beautiful. On that one. Excellent. So that'll be fully cleared very shortly. Lovely.","start_word":1495,"end_word":1507,"sentiment":"positive","sentiment_score":0.5613417029380798},{"text":"Well, when you do look at your life and TBD there, I mean, if anything was to happen, you were to pass away, your life benefit pays at, obviously, at $708,007.50, plus your super can be paid out on top of that, which could clear the mortgage completely debt free, and then the rest of the funds can be left to your beneficiaries there. Are Yep. you fairly comfortable with the life benefit you have? Did you wanna look at altering that in any way, shape, or form? It's not high down on that. Let's have a look for you. I actually don't think I have anyone. I know with your super, having a look at the beneficiary, we don't have anyone noted. Yes. So I did wanna definitely talk to you about who you would like as your beneficiary in the event of passing away for your life cover and your HUB 24. Yeah. Who would you like to have it all left to? Well, there's no no washrooms and all that or kids' rent and all that. So Yeah. I'll probably just say, like, my brother or something like that or probably Yep. the oldest brother. It's normally Yep. where it goes. Yep. Anyway, Yep. Abs absolutely. even if a lot of people that don't have wheels at the time, I always go to the oldest, sorry, family member or whatnot. Yeah. So I've got your brother Tim down as your next of kin here. So he is who Yeah. you'd wanna leave that benefit to? Yeah. Yeah. I'll say that. Yep. Yeah. That's okay. So the restrictions are around leaving a beneficiary on super annual life policy. Yeah. They have to meet a certain criteria. So, technically, a brother isn't fitting in that criteria to be a beneficiary. Yep. So what we sort of suggested on the beneficiary nomination, you have it set to your legal personal representative. And that means in the event of passing, everything gets paid to your estate, and then it's just important that you have an updated will. And in that will, you make the reflection there that you wanted everything to be paid out to your brother, Tim. Yep. Yeah. Have you ever had a will drawn up? Or I can see here I don't have anything sort of noted here from the past. No. That's I feel sorry. I'm laughing at the young age. So I know I thought, you all. know, if you're older, but it's always good Yeah. to have one up. And then, you know, I'm not really Yeah. good friends or boys and all that sort of stuff. And I No. don't know. I That's don't see them okay. on a sort of Yeah. basis That sort of thing. that's okay.","start_word":1508,"end_word":1972,"sentiment":"neutral","sentiment_score":0.0009468482026169376},{"text":"Well, we'll definitely send out the beneficiary nominations to have those completed.","start_word":1973,"end_word":1984,"sentiment":"positive","sentiment_score":0.44255736470222473},{"text":"Yep. Are you did you want us to maybe tick the box for legal personal representative and help fill the format? So if I Are can't you comfortable use my brother's if or we family or anything like that, who who shall I ever take? No.","start_word":1985,"end_word":2030,"sentiment":"neutral","sentiment_score":-0.06336981803178787},{"text":"You don't wanna leave it to your fucking mate or something like that.","start_word":2031,"end_word":2043,"sentiment":"negative","sentiment_score":-0.4746372699737549},{"text":"no. No. Well, you definitely can leave it to your brother. It's just that when it comes to the superannuation legislation for your life and your super, in order to have a beneficiary, the beneficiary to be nominated directly has to be your spouse, a child, someone who has an interdependent relationship with you or relies on you financially. So because your brother doesn't fit in with that category, he can't be nominated to your super Yeah. or But your life yeah. policy Oh by oh, name, that's fine. I wouldn't but have he anyone can that relies on me financially, so no. I think. Yeah. That's okay. So you can still have him nominated. This is that we have to do a different way. So Yep. we nominate your legal personal representative, so we tick the LPR box. And it means if you were to pass away, your super and your wife benefit just get paid to your estate, and then you just need to make sure you have a will done up. That's all. So he can still receive the money. It's just that we can't name him directly on those funds, so we Yep. have to name him via your estate or via your will. If you like, if you're comfortable, we can actually tick the box for LPR for you and help pre fill the form. And that way, Yep. you can just have it signed and witnessed by a friend. And then if you like, we can also send through some information on a local solicitor here on the Gold Coast. They have they're fine to do things by email and phone as well if you're, you know, because you're in WA. But we can always send that information through to you to kinda help looking at getting a will drawn up to make sure everything is set up correctly. Yeah.","start_word":2044,"end_word":2359,"sentiment":"neutral","sentiment_score":0.037399168232385115},{"text":"That's good. Yeah. Beautiful.","start_word":2360,"end_word":2363,"sentiment":"positive","sentiment_score":0.4087734818458557},{"text":"Are you comfortable with us because you want your brother nominated? Are you comfortable with us ticking the legal personal representative box on the beneficiary for you to help you out? Yeah. That's that's fine. Yep.","start_word":2364,"end_word":2399,"sentiment":"neutral","sentiment_score":0.16555045545101166},{"text":"So I'll be Beautiful. happy to do it that way.","start_word":2400,"end_word":2409,"sentiment":"positive","sentiment_score":0.5777339339256287},{"text":"Yeah. And you want a 100% of it all paid through to your estate to to be paid to your brother? Yep. Yeah. Beautiful. Yeah. That way, Well, they I'll they just sorted out after that sort of thing, but hopefully yeah.","start_word":2410,"end_word":2451,"sentiment":"neutral","sentiment_score":0.1552852988243103},{"text":"Perfect.","start_word":2452,"end_word":2452,"sentiment":"positive","sentiment_score":0.5335738658905029},{"text":"Oh, good. Well, if you like, what I'll do is I'll drop an email after not the call. It'll have the information there for the local solicitor and a bit of a price as to how much it costs to do your will through them gonna as well. happen. Yep. We'll send that through to you so you have that information, and we'll I'll get my team to pre fill that beneficiary nomination for you. Did you want that emailed or posted or both? What would be the best way to get Probably that nomination? just email sort of thing. Email? Yep.","start_word":2453,"end_word":2554,"sentiment":"neutral","sentiment_score":0.1040936170839796},{"text":"Yeah. Beautiful. That way, I'll just sort of print it out, then I'll show it out with my or whatnot.","start_word":2555,"end_word":2574,"sentiment":"positive","sentiment_score":0.3573700785636902},{"text":"Yeah.","start_word":2575,"end_word":2575,"sentiment":"neutral","sentiment_score":0.2670987844467163},{"text":"Absolutely. Not a problem. We'll get that, prefilled and help you out, send it out to you via email. And if you have any questions, you're welcome to let me know. We'll help you as best we can.","start_word":2576,"end_word":2613,"sentiment":"positive","sentiment_score":0.4086707830429077},{"text":"Okay? Yep.","start_word":2614,"end_word":2615,"sentiment":"neutral","sentiment_score":0.1898122876882553},{"text":"No problem. Thank you.","start_word":2616,"end_word":2619,"sentiment":"positive","sentiment_score":0.41619619727134705},{"text":"Yeah. It's okay. Now with your TBD, so total common disability cover, you have the same level of benefit as your life. Are you comfortable keeping the benefit the same, or did you wanna review the benefit amount? Yeah. I'll probably keep everything the same for now. Then The same. just probably Yep. review it in, like, a year or or whatnot or six Twelve months or months? whatever. Yep. Yeah. Absolutely. So I'm still pretty No. young at the moment, so not bad in Yeah. any no disability at No. That's okay. That's not a problem at all. Income the protection based on moment. your income, I have you earning about a 120,000. So Is that fairly accurate for it's good. where you Yeah. are at the That's moment? Yeah. still about Yep. That's okay. With the level of benefit accurate. Yeah. you do have for the income protection, it does show you're a little bit underinsured at the moment. So with income protection, you can be covered up to seven 70% of your current income, which may mean that you'd need to have a monthly benefit of about 7,000 per month. Your monthly Yep. benefit's about 5,632. Obviously, that's a gross benefit as well, so income tax is in play with that. So if you do receive your monthly benefit, you also pay income tax on that as well. Yep. But did you wanna review the income protection, maybe increase Yeah. that, I or probably do you think might that have level reviewed of benefit's that and upgrade fine? it. So I think maybe about two years ago, the wages might have been a bit different back then, you know, where it sort of Yeah. going Yeah. Absolutely. When we we were we're we're sorry. I'll start again. I was so sorry. Getting hung up. tied. So When we applied for that initially, we would have gone through and done an application with you. Are there any changes to your health that we might need to maybe take into account from that application, or do you think everything should be still the same? Yeah. No. It should be the same at the moment. Yeah. Yep.","start_word":2620,"end_word":2986,"sentiment":"neutral","sentiment_score":0.012547250573170608},{"text":"Beautiful.","start_word":2987,"end_word":2987,"sentiment":"positive","sentiment_score":0.448522686958313},{"text":"What I'll do is I'll go back and have a look at the application. I'll have a look at increasing that income protection policy for you. Yep. Did you want us to maybe just send out a quote to you to have a look at, or are you happy with me just maybe updating the advice to recommend the increase for you and show you the the effect of that? Yeah. Yeah. It's sending that out. That should be fine. I'll Yep. have a look at it sort of thing. Yep.","start_word":2988,"end_word":3078,"sentiment":"neutral","sentiment_score":0.14115163683891296},{"text":"Beautiful. Lovely.","start_word":3079,"end_word":3080,"sentiment":"positive","sentiment_score":0.5902866125106812},{"text":"And the other thing I was having a look at, I know with your super, you are invested in a a managed fund within there.","start_word":3081,"end_word":3105,"sentiment":"neutral","sentiment_score":0.2162390947341919},{"text":"It has been working really well. As mentioned, you've got that lovely good return. There's a positive return for the past twelve months there.","start_word":3106,"end_word":3129,"sentiment":"positive","sentiment_score":0.56868976354599},{"text":"What I'll do is I'll just go back and have a bit of a review of that for you to make sure that is invested in line with you know, the funds are invested in line with your risk profile to see if we maybe need to make any changes there. Yep. Did you want me to kinda review the managed fund for you as well, make sure it's invested in the best Yeah. thing possible that it's working harder? Yep. Yeah. You can, though. Yeah. That'd be fine. Yep.","start_word":3130,"end_word":3219,"sentiment":"neutral","sentiment_score":0.05995458364486694},{"text":"Beautiful.","start_word":3220,"end_word":3220,"sentiment":"positive","sentiment_score":0.4141087532043457},{"text":"Another thing I probably could also put look for you is we've actually set up so you've got this one managed fund, which essentially, when you look at your hub 24, you see the I shares aggressive enhanced index fund. We actually have our own managed fund or separately managed account, which we could always look at putting you into. It's a very similar thing. It's generally a low cost fund, and it basically means that within having these managed funds, if there are changes that need to happen to the portfolio or changes that are occurring in the world generally that we need to update the investments to align with market conditions, we can do so. Did you want me to have a look at our separately managed account to see if that could provide greater benefit for you in getting you super working harder, or what would you Yeah. Yeah. I'm just happy Yeah. with whatever at the moment, but not Yep. at home since sure and all that sort of stuff. That's So okay. very bit One of very the much information at the moment. So that's okay. I'm more than happy to go back and have a look at those managed funds for you. If there's Yep. no need to provide advice, we'll we'll make sure we don't do so. But if there's a chance that the newer that our managed fund could be providing a greater benefit or might have a greater benefit for you, I could always show you that recommendation and show you what it looks like, and then you get to decide whether you take it or not. Yeah. That sounds good. Once I have a look at something and right through it all, I'll get a Yeah. better understanding Yeah. of everything. So Absolutely. And, look, if I go back into the research and come back and go, look, your CGT costs are gonna be high or, you know, it's not worth moving you right now. We can come back and look at it down the track. But, yeah, you know, you've got me here to do that research for you, so you may as well use me to your full capacity. Yep. Yeah.","start_word":3221,"end_word":3593,"sentiment":"neutral","sentiment_score":0.06464656442403793},{"text":"Beautiful. That sounds Beautiful. good.","start_word":3594,"end_word":3598,"sentiment":"positive","sentiment_score":0.5623586773872375},{"text":"Yeah.","start_word":3599,"end_word":3599,"sentiment":"neutral","sentiment_score":0.2828543186187744},{"text":"Excellent.","start_word":3600,"end_word":3600,"sentiment":"positive","sentiment_score":0.4088839292526245},{"text":"Now has anyone ever spoken to you about other types of insurances like trauma cover? Has anyone sort of brought that up with you before? Not really, but No. sort of like just stubs to work on. They sort of always got that cover in place anyway. Yeah. So trauma is a bit different to life TBD income protection. It tends to have a lump sum tax free benefit if you're, say, diagnosed with Parkinson's, you have a heart attack, a stroke, certain neurological conditions, or cancer is a big one as well. Yep.","start_word":3601,"end_word":3694,"sentiment":"neutral","sentiment_score":-0.1367786916250244},{"text":"You can't pay for trauma inside Super.","start_word":3695,"end_word":3701,"sentiment":"negative","sentiment_score":-0.3608759343624115},{"text":"It is an out of pocket expense on a monthly basis for the cover. Did you wanna look at maybe getting a bit of trauma or having a look at what that might cost you, or are you happy Yeah. to It's not probably look at worth it yet? getting in the long run sort of thing and see how everything goes. You know? Yeah. Absolutely. And, look, as much as these are a bit more of an expensive thing to sort of have, getting them now while you don't have any major health issues is always a benefit than trying to get it down the track when there are changes to your health. I Yep. can look at a quote for you to show you what it might cost if you were to maybe get, say, one or two years worth of income. How much trauma do you think you'd like to be covered for? I'm I'm not too sure. Did But did yeah. you want me I'm to look just at maybe two years worth of income to start with and see what the cost is, and I can send you the yeah. quote I'd to say, show yeah, you? if you stick it on the minimum Yeah. for now sort of thing, and in six months, you just review it and then see how it goes after that. Yeah.","start_word":3702,"end_word":3933,"sentiment":"neutral","sentiment_score":-0.05733880773186684},{"text":"Absolutely.","start_word":3934,"end_word":3934,"sentiment":"positive","sentiment_score":0.36046427488327026},{"text":"So what I'll do is I'll get the quote for these. I'll send them to you so you can have a look at them, and then we can always come back and have another conversation around what the level looks like, what the cost looks like. To be able to apply for them, I'll have to update the advice to show you and make sure it reflects. But I can just get a quote to start with, and then we can always come back and have a secondary conversation about the cost of it, what it looks like, and whether that's what you're after. Does that sound Yep. okay? Yeah. Yep. That sounds fine. Yep.","start_word":3935,"end_word":4049,"sentiment":"neutral","sentiment_score":0.21421895713909817},{"text":"Beautiful. Fantastic. I'll get that for you.","start_word":4050,"end_word":4056,"sentiment":"positive","sentiment_score":0.756748378276825},{"text":"I don't have any other assets noted here. Do you have any other personal loans or shares or any other, you know, tools of value that you'd note down on on the Fact Find at all? No. None at the moment. Sorry. Just a personal home contract and all that stuff, but that's all covered with home insurance anyway. Yeah. Yeah.","start_word":4057,"end_word":4117,"sentiment":"neutral","sentiment_score":0.02191087044775486},{"text":"Beautiful.","start_word":4118,"end_word":4118,"sentiment":"positive","sentiment_score":0.4408242106437683},{"text":"With your home and contents insurance, what do you have your contents valued at? If you remember. If you don't, that's okay. I'll probably put that up in only 60,000 Yeah. even though Beautiful.","start_word":4119,"end_word":4152,"sentiment":"neutral","sentiment_score":0.01353086531162262},{"text":"it's fucking so I don't have $60,000 that stuff.","start_word":4153,"end_word":4161,"sentiment":"negative","sentiment_score":-0.39694085717201233},{"text":"But just Yeah. buy the covers everything. Absolutely. So I wish And I when had that you charles think about amount. it yeah. No. Absolutely. And when you think about contents, like, if you tipped your house upside down, everything fell out. That's considered content. So it is quite a difference, and it can add up pretty significantly if you had to replace all of that. Yeah. I understand. That's Yeah. what I'm saying. No. Once you have all gas, stay low, you can try all the tools and all the stuff you got in there. I Yeah. got much a bit more than that. Yeah. No. That's okay. That's not a problem at all. Well, if you like, what I'll do is I'll start by going back and have a look at the in the insurance side of things for you. I'll get some quotes done. I'll I'll go back and just review the investment that you're in. And Yep. then because it is quite a lot to go through today and you've got a lot going on there, we can come back and have another conversation in a couple of weeks and sort of see what you wanna do insurance wise, and we can talk Yep. about the investment a bit more. And then you can let me know what advice you wanna proceed with. Does that sound okay? Yeah. That sounds right.","start_word":4162,"end_word":4396,"sentiment":"neutral","sentiment_score":0.04086403001020564},{"text":"Yeah. Beautiful.","start_word":4397,"end_word":4398,"sentiment":"positive","sentiment_score":0.5636947751045227},{"text":"The last thing I wanted to do before I let you go is just to double check your risk profile as well. So just got a couple of questions to sort of ask you in relation to that. The first one here is have you ever invested in direct shares or managed funds in your own name in the past? Have you ever owned any shares at all? No. Probably, like, handle it once. You know? If it's, like, 100 or $200, just sort of play around with it. You know? And then that's probably going down about $3 at the moment, so I didn't really do too good on that one. Yeah. No.","start_word":4399,"end_word":4512,"sentiment":"neutral","sentiment_score":-0.07481741160154343},{"text":"That's I'm not okay. really done anything again with it.","start_word":4513,"end_word":4522,"sentiment":"negative","sentiment_score":-0.4906531274318695},{"text":"Yeah. Understandable. And so you still own those, though? Yeah. It's still on 350 or something, so it's not really worth talking. Not much. It's No. not like Understand. a million dollars up yet. Oh, you never know. It could always come back. Alright, No. Oh, good. Perfect. Well, I'll note that one down there for you. buddy. Yep. And the next question I have here is thinking about your super now I know your balance is quite lower that you are sort of building it at the moment, but if you were to say, you know, look at your super in the next sort of three to six or even twelve months and note it was down due to what was happening globally in the world. How do you think you might be feeling about that?","start_word":4523,"end_word":4659,"sentiment":"neutral","sentiment_score":-0.0504051074385643},{"text":"I don't think you're bothering me too much.","start_word":4660,"end_word":4667,"sentiment":"negative","sentiment_score":-0.3391490876674652},{"text":"You know? Because by the time you retire and the way the government case changed and everything, you'd like to get your retirement by the time you're saying a hundred and twenty. You know? Yep. Yep. That's okay. So you'd sort of just happily sit and wait, let it do its thing, Yeah. and see what happens in another year or two's time? Yep. Yeah. Because I got probably another thirty years, probably, look at retirement sort of thing, I reckon. You do. Yeah. You've got a long time ahead of you there as it's a positive thing as well as, you know, a negative thing. We always look at it and Yeah. go, wow. Thirty years is a long time away.","start_word":4668,"end_word":4789,"sentiment":"neutral","sentiment_score":0.04779513305450072},{"text":"A lot of years of working ahead of us, but at the same time, it's a really good thing because you are building your balance. We're starting off a bit lower, so you've got time to let it grow, which is a positive for Yep.","start_word":4790,"end_word":4834,"sentiment":"positive","sentiment_score":0.4352620542049408},{"text":"you. Oh. Yeah.","start_word":4835,"end_word":4837,"sentiment":"neutral","sentiment_score":0.21100348234176636},{"text":"Beautiful.","start_word":4838,"end_word":4838,"sentiment":"positive","sentiment_score":0.3884596824645996},{"text":"Do you when you consider your when you think about risk in your super, do you consider yourself comfortable taking on a higher level of risk to get greater returns? Do you think you put yourself in the middle there, or you're not wanting Yeah. to take on much risk? How do you sort of see yourself? I'll probably say the middle risk there. I don't know Yep. if you guys see much of high risk and probably those things. Yes. Yeah. Absolutely. And have you ever thought about borrowing money to invest in shares or manage funds, or would you only ever wanna borrow money for, say, property? No. I really they're bored money or friendly really. I don't know.","start_word":4839,"end_word":4959,"sentiment":"neutral","sentiment_score":-0.05020352452993393},{"text":"I lost my money back, sort of thing.","start_word":4960,"end_word":4967,"sentiment":"negative","sentiment_score":-0.3495924770832062},{"text":"Just Yeah.","start_word":4968,"end_word":4969,"sentiment":"neutral","sentiment_score":-0.1798161268234253},{"text":"another That's fucking day that comes out.","start_word":4970,"end_word":4976,"sentiment":"negative","sentiment_score":-0.4313107430934906},{"text":"So I was getting that phase book good. yeah. Absolutely. Have you been thinking about sort of future goals? Did you ever wanna look at maybe having investment properties in the future, or it's not something that sort of cost your mind? Yeah. Investment probably is not pretty good at the time, but way faster we go at the moment just down through the roof. Yeah. So looks like Yeah. I got mine about seven years ago. So Yeah. that's No. pretty Absolutely. much double the value at the moment, so I'm happy with that. Yeah. No. Absolutely. Perfect. Now we do have you in that sort of growth portfolio environment, and you've sort of scored in that same area. So that typically sees about 80% of your super invested in growth assets. This is in Australian shares as well Yeah. as international shares, gold and silver, so some precious metals and also property in there as well. And It's still then the a other lot bigger 20 out on it. yeah.","start_word":4977,"end_word":5148,"sentiment":"neutral","sentiment_score":0.030524703359967747},{"text":"And then the other 20% in low risk defensive investments, things like cash, bonds, and fixed interest, having a mix of both of those asset classes does kinda give you a diversified mix of, you know, lowering your overall risk and helping to sorta get good gains where you you know, with where you're heading to.","start_word":5149,"end_word":5204,"sentiment":"positive","sentiment_score":0.3560427129268646},{"text":"Those growth assets Yep. are where you take on a bit more risk, so you're wanting to get greater returns out of those. That is where we have you. It's where you've scored, and it does suit someone who has at least six years before they're wanting to access their super. You're sort of chasing returns of around about sort of seven to 9% on a yearly basis there, and the likelihood Yep. of a negative return is expected kind of one in every five years. Are you fairly comfortable in that sort of environment just remaining in that growth environment? Yeah. Or Yeah. It's good to get to where it is at the moment and then just sort of review yep. it after Yeah. Yeah.","start_word":5205,"end_word":5330,"sentiment":"neutral","sentiment_score":0.04360010102391243},{"text":"Absolutely. Perfect. Not a problem at all.","start_word":5331,"end_word":5337,"sentiment":"positive","sentiment_score":0.4909911155700683},{"text":"Well, what I'll do is I'll that. go back and do a little bit of research there for you. We'll come back in just a couple of weeks and have a bit of a conversation. Once I've got the quotes ready to go, we can talk about the level the cover levels and how much they're looking to cost, and I'll do a bit of research around that managed fund for you as well to see what the asset allocation is and see if you're, you know, invested in line with where you should be. And if we need to make any changes, we Yep. can come back and have that conversation, talk about what you're after, what advice you want, and then you can let me know how you want me to proceed there. Okay?","start_word":5338,"end_word":5473,"sentiment":"neutral","sentiment_score":0.1662718415917719},{"text":"Yeah. That sounds fun. Excellent.","start_word":5474,"end_word":5478,"sentiment":"positive","sentiment_score":0.6524618864059448},{"text":"Now after the call, you will get your annual review packet. It does have in there the updated information, your super balance, the level of cover that you have currently, how much you are paying for those. It's also got your internal rate of return, the portfolio report showing everything we've gone through today with regard to how you performed. Yep. It does also have in there our financial services guide, which outlines everything about who we are, what we do, how we do it, has all my licensing information as a licensed adviser for you as well. We also have in there our ongoing service agreement. So as an ongoing client, we wanna make sure we're providing advice and updating advice that's working towards your goals because we're here to look after your super and help help you meet those goals long term. Yep. With with regards to the goals, sir, do you think you're wanting to hopefully retire around about 60, or do you think you'd probably work a bit longer? What's your kinda goal retirement? I put this in a job on manual construction. I'm sorry for that CTO, I think. Yeah. So But, like, you can't a million actually dollars act probably about 30. yeah. I think. So you you can't actually access super to the age of 60 at the moment. Yeah. That's the earliest you can sorta access super. We can definitely look at helping and providing advice on building wealth outside of super, whether that be, know, building investment portfolios and diverting money into other areas Yeah. to make sure you can retire at the age of 50. But currently, 60 is the earliest I would be able to work on for you for your super. You're comfortable with me just noting 60 and kind of working towards that at the moment? Yeah. Yeah. Yeah. Yeah. So Beautiful. we have Do to be you in veteran, so I think You have to be done a yeah. lot of sort of Absolutely. Do you have any other goals that you're looking to work. achieve in the next sort of one to two or even five years? I'm probably trying to get a second block or something like that. Just trying Okay. to, like, Yep. block land at the outside, you know, so it's a bit cheaper and then build it out from that. And then whatever you build Yeah. on it, you know, adds value to it anyway.","start_word":5479,"end_word":5892,"sentiment":"neutral","sentiment_score":0.09451088599032824},{"text":"Absolutely.","start_word":5893,"end_word":5893,"sentiment":"positive","sentiment_score":0.42737048864364624},{"text":"And I just rent out the No. pipe I got at the moment. Yeah. Yeah. Definitely. No.","start_word":5894,"end_word":5910,"sentiment":"neutral","sentiment_score":0.17423391342163086},{"text":"Fantastic. Well, we can definitely help.","start_word":5911,"end_word":5916,"sentiment":"positive","sentiment_score":0.592191755771637},{"text":"And when you are ready for that, let me know. We can look at whether we provide advice from that or refer you to a mortgage So broker what did to you assist wanna with get the in purchase. contact with about that stuff? Who do I call us building just the same number that's called now and just Yep. so Yeah. I'm Just gonna be give us a call signing on the same some number. of that tax and all that sort of stuff. Well, I've done a lot of tax returns for about four years, but I kept receipts and everything all the tax the same as ours. So it's probably Right. a bit of money coming back and all that. But it just hasn't bothered Yeah. me so, you know. Yeah. So we can provide advice around what to do with the funds that you do get back. If it's more around your tax return, we don't do your tax return for you. It's more of an Yeah. accountant thing. Yeah. Did you No. want I'm us to put you in touch with an accountant, or have you saying. got one that you're Yep. comfortable using? Or No. Well, I haven't got one, so that's probably why. So I've probably yeah.","start_word":5917,"end_word":6130,"sentiment":"neutral","sentiment_score":-0.04097448289394379},{"text":"stuck around and give you the minimum and just down there, it's not really worth it.","start_word":6131,"end_word":6146,"sentiment":"negative","sentiment_score":-0.3701606988906861},{"text":"Probably cost Okay. you more than what you get in return. Yeah. Did you want us to maybe put you in touch with an accountant to have a chat about what Yeah. they can If you offer could say and that, how much I'll they definitely charge their give services? them a call and there's another situation I'm in sort of thing, and then if they're Yep. happy to help out, you know, help me find them what's supposed to go Yeah. Yeah.","start_word":6147,"end_word":6229,"sentiment":"neutral","sentiment_score":0.028277639164982073},{"text":"Absolutely.","start_word":6230,"end_word":6230,"sentiment":"positive","sentiment_score":0.3621818423271179},{"text":"Well, in the email, I can have the information on the account. And right if or you're whatnot. happy if you would like to give them a call, if Yep. you decide you want us to put you in touch with them, just let me know. We can always do a referral email through to them and get them to contact you. But I'll start by just sending you their information. You can look at what you'd like to do and let me know how you wanna move forward there. Okay? No. You're gonna sound good.","start_word":6231,"end_word":6326,"sentiment":"neutral","sentiment_score":0.21409645676612857},{"text":"Beautiful. Easy.","start_word":6327,"end_word":6328,"sentiment":"positive","sentiment_score":0.5577777624130249},{"text":"As I kinda mentioned, we also have the ongoing service agreement attached there. So that does note that you do pay us an ongoing service fee for looking after your super and all the work we do in the back end for you. You do pay Yep. 1.65% per annum, and that is basically a percentage basis a year. So with your ongoing service fee, it comes out of your super on in smaller monthly increments, and it is linked to the performance of your super. So our fee as a percentage does fluctuate with the market depending on, you know, what happens there. It means that when your super is doing really well and you've got a good return, our fee will increase with it. However, at times, the markets do take a bit of a dip. It does mean that our fee would decrease there with it, and paying the ongoing service agreement also means that we're giving you the advice and updating the advice free of charge. Okay? Yep. Alright. Yeah.","start_word":6329,"end_word":6502,"sentiment":"neutral","sentiment_score":0.08358042687177658},{"text":"Sounds good. Perfect.","start_word":6503,"end_word":6505,"sentiment":"positive","sentiment_score":0.4232539236545563},{"text":"Well, I'll send those documents out to you. If you can just sign the ongoing service agreement, send it back there for me. There may be some other additional documents. We do also have a tax file opt in form, just letting you know that we do hold your tax phone number because we set you safe for us and your insurances. So we'd like to make sure you're aware of the information we hold on you. So we'll get you to sign sign and return that back as well. And then there'll just be some other, you know, additional documents for you to run your eyes over as well, like the financial services guide. Okay?","start_word":6506,"end_word":6621,"sentiment":"neutral","sentiment_score":0.15634785348485256},{"text":"Yep. That sounds good. Thank you. Easy.","start_word":6622,"end_word":6628,"sentiment":"positive","sentiment_score":0.6556953191757202},{"text":"Have I kinda touched on everything you wanted to touch on today? Is there anything additional you wanted me to or needed to ask while you have No. me here It's pretty at all?","start_word":6629,"end_word":6662,"sentiment":"neutral","sentiment_score":0.08474209159612656},{"text":"much the you touched on every little subject you had going on there, so good.","start_word":6663,"end_word":6677,"sentiment":"positive","sentiment_score":0.3957088589668274},{"text":"Yeah. Probably, I'm gonna Yes. send my laboratory, and I'll speak fine. So whatnot, we'll just get through everything again. Yeah. So, yeah, Absolutely.","start_word":6678,"end_word":6701,"sentiment":"neutral","sentiment_score":0.13588076829910278},{"text":"pretty happy with everything at the moment. Oh, perfect. Well, thank you so much. I'll get those emails out to you shortly. And if you do have any questions, you're welcome to let me know.","start_word":6702,"end_word":6736,"sentiment":"positive","sentiment_score":0.5535303354263306},{"text":"Okay?","start_word":6737,"end_word":6737,"sentiment":"neutral","sentiment_score":0.2234937995672226},{"text":"Not a problem. Thank you. Thanks so much. I'll talk soon. See you later.","start_word":6738,"end_word":6751,"sentiment":"positive","sentiment_score":0.5466123223304749},{"text":"Alright.","start_word":6752,"end_word":6752,"sentiment":"neutral","sentiment_score":0.30578696727752686},{"text":"Thank you. Bye.","start_word":6753,"end_word":6755,"sentiment":"positive","sentiment_score":0.48112401366233826},{"text":"Bye.","start_word":6756,"end_word":6756,"sentiment":"neutral","sentiment_score":0.2405286431312561}],"average":{"sentiment":"neutral","sentiment_score":0.0826770416551495}}}}