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I had to call them back because I was on the highway, but I'm able to talk to them now. Is it Jasmine or something? That sounds familiar. I couldn't hear it very well. Yeah. Yeah. I'll pull over there. 08/10/1980, and my house sorry. House address is Number 9 Slash 24 Jessica Drive, Upper Coomera. No worries. How are you? Good. Yeah. Pretty busy. I'm always busy. Yeah. Yeah. About five minutes from time. Yep. Yeah. Yeah. Yeah. I think we spoke last like, last year or something. Yeah. I think so. Yeah. I can't remember the exact date. I've already told you at the time what it was, but, yeah, it was around then. Yeah. October, November. Sorry. Yeah. It's all good. So the knees are all good. I've been working for, yeah, three months or more now. So Yeah. Yeah. Yep. Yep. Okay. I can't remember what any of them were, to be honest, because it it's been a long time just out of this journey. Yeah. I think so. Yeah. Yeah. I think and it will be a I'd say it'll probably go up. I'll probably get some more at $1.70, hopefully, this year. I would hit $1.70 last year if I hadn't had the knee injury. But yes. That's sort of one fifty, definitely. Maybe one 70 if if things go well. Right. Let's just leave it at $1.50 because we can change the light account. Maybe if we oh, you know what? Put it up. So to to go to $1.70, how much more is that than the $1.50? Money is that gonna add up? Is it that much? Yeah. It's a discount $1.70. Yeah. So just something here. So, like, this is more covering me for if I've slipped down a set of stairs or something, isn't it out of work or something like that? Yeah. Okay. Yeah. Because I've I've got what do they call it? What's the insurance that everyone has to have? So so being a like, I'm a casual worker. It's what I claimed with my knee. I forgot the name, but work cover. Like, if I got work cover I mean, I said work, I've got work cover. Like, is this does this insurance won't it won't be long. I can get this insurance plus the work cover, or is it? The work cover cost me 95%. Yeah. Well, that that's high five eighty 4%. Right. Okay. Because it's sorta like like we struggle on 85%. So 70% isn't really gonna cut it for us. Is there can we make it higher or not? Right. Okay. Alright. Yeah. Yep. Yep. Alright. I think so. Like, I mean, I think what what if I do break my leg out of work hours? Well, I can't. I'm gonna need something. It's still better than nothing, isn't it? Yeah. Yeah. Definitely. Alright. And so half my sleep is going on to my wife at the moment. So she's got a job now. So and I'm just a bit lot of stuff, weird stuff going on in the world. I know I know I put a fair bit into high risk. I was just wondering how is it all going? Like, what's what is happening with it all? What I don't know much. Yep. And then there's still $10 in my bus queue. Super isn't there or not? Okay. Yeah. I was just I had sort of thought in my head, but now I've lost it. I'll be in the sun all day. Yeah. So that's but yeah. So I haven't really done much in the time I've been in there because I thought I was at about one eighty before we started all this, but Yeah. So if these things calm down in the world, you'd expect bigger growth than that, wouldn't you? Yeah. Yeah. And and when I spoke a while ago with you is I was sort of thinking towards doing, like, like, super where I own a property rather than these investments. At the time I think I think I think you said you're better off having about 200 in in your before you do that. Yeah. Yeah. I I I met a guy the other day, and he was along the belief that you could do it with one fifty. But yeah. I don't know. I don't know. I'm not sure. I don't know if I wanna do this at all. I was just I'm just curious about it. I was just Yeah. Yeah. Yeah. Why do the fees go up because you got less money? Yeah. Like you're saying that at at $1.50, that the fees will be higher than if it's at 250 or or what? Yeah. So I really need the rent to be paying the whole mortgage out. Each Okay. Okay. Yeah. If you can send me some info, that that'd be good to have a read. Sorry. I'm getting I'm getting you sidetracked here. I didn't mean to. I was That's alright. And then just for those insurances, so once they're in in place, like, is there, like, lag time of of, like, where I'm gonna have to keep my real insurance going to cover because, like, the original reason that you came to us was because of the real insurance. We're paying, like, a $100 a month or whatever it is. Do we have to let them cross over for a while so there's full cover and everything? Or or what is the where do we go to? Raw. Yeah. Alright. Okay. No worries. Yeah. Yeah. Yeah. Anything you think is good that would really help me out of a jam, I want I want done. I don't know if I'm getting emails from you. So maybe I am. I just haven't seen them. They might be going into the wrong part of my email. I'll have a look. What what what was on it? No. I'm really not. No. Sorry. Say that it say it again. A self managed bank account, did you say? Right. You broke up with you broke up with me towards the end there. Some people sorry. Yep. I don't really know what you're doing anyway. So probably I it's the same thing to me really. So I Yeah. I I'd like to you, all these investment things make sense to me. It's just a bunch of names. So yeah. So I think I'd I mean, if that if the other way, it would sound like it would make makes more sense to make money make more money. I mean, I'm all about making more money. So yeah. Alright. No worries. Yeah. No. It's all the same. Down the track, I I might end up maybe want to start my own business or something. I I don't know. But yeah. Yeah. I can, like, I could start a business and still keep doing my job I'm doing now. I'll just get paid differently. But then I could also do other work as well as that just so that I've got a bit of a background, a bit of a fallback if if this my current work relies on contracts and stuff, which will come into an end in the next year or two. We probably well, I'd say we'll we'll win it again, but we we you never know. It might not. So that yeah. I don't know whether that will change things heaps or not, but Yeah. Okay. Oh, yeah. Alright. I'm holding up too much here. Sorry. I'm gonna have to play. Yeah. Yep. No. I'm not on any medications. No. Yeah. It's probably even more than that. I think it'd be it'd be it'd be ten years now. Because when me and my wife first started diet, it was when it happened, and that's that's ten years in in March. So congratulations. I haven't really had anything since then. Like, nothing nothing that's prevented me from doing anything. Yeah. Yeah. I I went on work at comp whatever it was back then, and I was off work for about two or three months. I I know it wasn't so much that it got badly damaged in any way. It was more just a bunch of muscles that spasmed up real bad. Like, it wasn't really as, like, a like, like a from doing a physio, I fixed it. Like, there was no surgery or anything like that. Like, it was just an injury really, not not that much of not so much of a a constant problem or anything. Yeah. That'll be right. Yep. Well, it's taking a little bit to get over. This it's not I took my GP. He just said there's, like, nerves and things in the knee take a while to heal up. So it was when I last we last spoke, it was just some little stabby feelings at times that are just it's just nerves twitching and things like that. But I haven't really had any of that sort of stuff. I don't know. When it stops happening, you still stop thinking about it. But yeah. I haven't yeah. Yeah. I'm not really I don't really get anything more. I haven't heard that this year. Well, background October, I'll still get in touch touch with that. But yeah. Yep. Yep. Yeah. It's on I'd say it's probably stronger than the other knee now. No. No. Yeah. I kinda wanna build this as fast as I can and then would like to go down to the property road probably because I just think I don't know. I can't see property stopping anytime soon. Alright. Okay. Thank you very much. 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I I'm not sure if it was you or someone else. I couldn't hear very well before. Someone just called me before. I had to call them back because I was on the highway, but I'm able to talk to them now.\n\nIs it Jasmine or something? That sounds familiar. I couldn't hear it very well. Yeah. Yeah.\n\nI'll pull over there. 08/10/1980, and my house sorry. House address is Number 9 Slash 24 Jessica Drive, Upper Coomera. No worries. How are you?\n\nGood. Yeah. Pretty busy. I'm always busy. Yeah.\n\nYeah. About five minutes from time. Yep. Yeah. Yeah.\n\nYeah. I think we spoke last like, last year or something. Yeah. I think so. Yeah.\n\nI can't remember the exact date. I've already told you at the time what it was, but, yeah, it was around then. Yeah. October, November. Sorry.\n\nYeah. It's all good. So the knees are all good. I've been working for, yeah, three months or more now. So Yeah.\n\nYeah. Yep. Yep. Okay. I can't remember what any of them were, to be honest, because it it's been a long time just out of this journey.\n\nYeah. I think so. Yeah. Yeah. I think and it will be a I'd say it'll probably go up.\n\nI'll probably get some more at $1.70, hopefully, this year. I would hit $1.70 last year if I hadn't had the knee injury. But yes. That's sort of one fifty, definitely. Maybe one 70 if if things go well.\n\nRight. Let's just leave it at $1.50 because we can change the light account. Maybe if we oh, you know what? Put it up. So to to go to $1.70, how much more is that than the $1.50?\n\nMoney is that gonna add up? Is it that much? Yeah. It's a discount $1.70. Yeah.\n\nSo just something here. So, like, this is more covering me for if I've slipped down a set of stairs or something, isn't it out of work or something like that? Yeah. Okay. Yeah.\n\nBecause I've I've got what do they call it? What's the insurance that everyone has to have? So so being a like, I'm a casual worker. It's what I claimed with my knee. I forgot the name, but work cover.\n\nLike, if I got work cover I mean, I said work, I've got work cover. Like, is this does this insurance won't it won't be long. I can get this insurance plus the work cover, or is it? The work cover cost me 95%. Yeah.\n\nWell, that that's high five eighty 4%. Right. Okay. Because it's sorta like like we struggle on 85%. So 70% isn't really gonna cut it for us.\n\nIs there can we make it higher or not? Right. Okay. Alright. Yeah.\n\nYep. Yep. Alright. I think so. Like, I mean, I think what what if I do break my leg out of work hours?\n\nWell, I can't. I'm gonna need something. It's still better than nothing, isn't it? Yeah. Yeah.\n\nDefinitely. Alright. And so half my sleep is going on to my wife at the moment. So she's got a job now. So and I'm just a bit lot of stuff, weird stuff going on in the world.\n\nI know I know I put a fair bit into high risk. I was just wondering how is it all going? Like, what's what is happening with it all? What I don't know much. Yep.\n\nAnd then there's still $10 in my bus queue. Super isn't there or not? Okay. Yeah. I was just I had sort of thought in my head, but now I've lost it.\n\nI'll be in the sun all day. Yeah. So that's but yeah. So I haven't really done much in the time I've been in there because I thought I was at about one eighty before we started all this, but Yeah. So if these things calm down in the world, you'd expect bigger growth than that, wouldn't you?\n\nYeah. Yeah. And and when I spoke a while ago with you is I was sort of thinking towards doing, like, like, super where I own a property rather than these investments. At the time I think I think I think you said you're better off having about 200 in in your before you do that. Yeah.\n\nYeah. I I I met a guy the other day, and he was along the belief that you could do it with one fifty. But yeah. I don't know. I don't know.\n\nI'm not sure. I don't know if I wanna do this at all. I was just I'm just curious about it. I was just Yeah. Yeah.\n\nYeah. Why do the fees go up because you got less money? Yeah. Like you're saying that at at $1.50, that the fees will be higher than if it's at 250 or or what? Yeah.\n\nSo I really need the rent to be paying the whole mortgage out. Each Okay. Okay. Yeah. If you can send me some info, that that'd be good to have a read.\n\nSorry. I'm getting I'm getting you sidetracked here. I didn't mean to. I was That's alright. And then just for those insurances, so once they're in in place, like, is there, like, lag time of of, like, where I'm gonna have to keep my real insurance going to cover because, like, the original reason that you came to us was because of the real insurance.\n\nWe're paying, like, a $100 a month or whatever it is. Do we have to let them cross over for a while so there's full cover and everything? Or or what is the where do we go to? Raw. Yeah.\n\nAlright. Okay. No worries. Yeah. Yeah.\n\nYeah. Anything you think is good that would really help me out of a jam, I want I want done. I don't know if I'm getting emails from you. So maybe I am. I just haven't seen them.\n\nThey might be going into the wrong part of my email. I'll have a look. What what what was on it? No. I'm really not.\n\nNo. Sorry. Say that it say it again. A self managed bank account, did you say? Right.\n\nYou broke up with you broke up with me towards the end there. Some people sorry. Yep. I don't really know what you're doing anyway. So probably I it's the same thing to me really.\n\nSo I Yeah. I I'd like to you, all these investment things make sense to me. It's just a bunch of names. So yeah. So I think I'd I mean, if that if the other way, it would sound like it would make makes more sense to make money make more money.\n\nI mean, I'm all about making more money. So yeah. Alright. No worries. Yeah.\n\nNo. It's all the same. Down the track, I I might end up maybe want to start my own business or something. I I don't know. But yeah.\n\nYeah. I can, like, I could start a business and still keep doing my job I'm doing now. I'll just get paid differently. But then I could also do other work as well as that just so that I've got a bit of a background, a bit of a fallback if if this my current work relies on contracts and stuff, which will come into an end in the next year or two. We probably well, I'd say we'll we'll win it again, but we we you never know.\n\nIt might not. So that yeah. I don't know whether that will change things heaps or not, but Yeah. Okay. Oh, yeah.\n\nAlright. I'm holding up too much here. Sorry. I'm gonna have to play. Yeah.\n\nYep. No. I'm not on any medications. No. Yeah.\n\nIt's probably even more than that. I think it'd be it'd be it'd be ten years now. Because when me and my wife first started diet, it was when it happened, and that's that's ten years in in March. So congratulations. I haven't really had anything since then.\n\nLike, nothing nothing that's prevented me from doing anything. Yeah. Yeah. I I went on work at comp whatever it was back then, and I was off work for about two or three months. I I know it wasn't so much that it got badly damaged in any way.\n\nIt was more just a bunch of muscles that spasmed up real bad. Like, it wasn't really as, like, a like, like a from doing a physio, I fixed it. Like, there was no surgery or anything like that. Like, it was just an injury really, not not that much of not so much of a a constant problem or anything. Yeah.\n\nThat'll be right. Yep. Well, it's taking a little bit to get over. This it's not I took my GP. He just said there's, like, nerves and things in the knee take a while to heal up.\n\nSo it was when I last we last spoke, it was just some little stabby feelings at times that are just it's just nerves twitching and things like that. But I haven't really had any of that sort of stuff. I don't know. When it stops happening, you still stop thinking about it. But yeah.\n\nI haven't yeah. Yeah. I'm not really I don't really get anything more. I haven't heard that this year. Well, background October, I'll still get in touch touch with that.\n\nBut yeah. Yep. Yep. Yeah. It's on I'd say it's probably stronger than the other knee now.\n\nNo. No. Yeah. I kinda wanna build this as fast as I can and then would like to go down to the property road probably because I just think I don't know. I can't see property stopping anytime soon.\n\nAlright. Okay. Thank you very much. Bye bye.","paragraphs":[{"sentences":[{"text":"Javier Hammond here.","start":5.2799997,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.06650301069021225},{"text":"I I'm not sure if it was you or someone else.","start":8.96,"end":11.759999,"sentiment":"neutral","sentiment_score":-0.1763417815620249},{"text":"I couldn't hear very well before.","start":11.759999,"end":13.219999,"sentiment":"negative","sentiment_score":-0.3687671273946762},{"text":"Someone just called me before.","start":15.134999,"end":16.414999,"sentiment":"neutral","sentiment_score":-0.16500287055969237},{"text":"I had to call them back because I was on the highway, but I'm able to talk to them now.","start":16.414999,"end":26.015,"sentiment":"neutral","sentiment_score":-0.06986260674893856}],"sentiment":"neutral","sentiment_score":-0.13722488482793171,"num_words":45,"start":5.2799997,"end":26.015},{"sentences":[{"text":"Is it Jasmine or something?","start":26.015,"end":27.395,"sentiment":"neutral","sentiment_score":-0.010933829843997956},{"text":"That sounds familiar.","start":38.79,"end":39.75,"sentiment":"neutral","sentiment_score":-0.04971648380160332},{"text":"I couldn't hear it very well.","start":39.75,"end":41.13,"sentiment":"neutral","sentiment_score":-0.27626998474200565},{"text":"Yeah.","start":47.614998,"end":47.855,"sentiment":"neutral","sentiment_score":0.22072437405586243},{"text":"Yeah.","start":47.855,"end":48.355,"sentiment":"neutral","sentiment_score":0.08263996243476868}],"sentiment":"neutral","sentiment_score":-0.09737963578663766,"num_words":16,"start":26.015,"end":48.355},{"sentences":[{"text":"I'll pull over there.","start":48.655,"end":49.715,"sentiment":"neutral","sentiment_score":0.1351421121507883},{"text":"08/10/1980, and my house sorry.","start":63.48,"end":69.259995,"sentiment":"neutral","sentiment_score":0.025576554238796234},{"text":"House address is Number 9 Slash 24 Jessica Drive, Upper Coomera.","start":69.72,"end":74.7,"sentiment":"neutral","sentiment_score":0.03438393246721138},{"text":"No worries.","start":80.615,"end":81.354996,"sentiment":"neutral","sentiment_score":0.16179370135068893},{"text":"How are you?","start":93.76,"end":94.58,"sentiment":"neutral","sentiment_score":0.294391930103302}],"sentiment":"neutral","sentiment_score":0.09013750679790973,"num_words":25,"start":48.655,"end":94.58},{"sentences":[{"text":"Good.","start":96.8,"end":97.3,"sentiment":"neutral","sentiment_score":0.2781164348125458},{"text":"Yeah.","start":100.32,"end":100.72,"sentiment":"neutral","sentiment_score":-0.0018843822181224823},{"text":"Pretty busy.","start":100.72,"end":101.44,"sentiment":"neutral","sentiment_score":-0.13940106332302094},{"text":"I'm always busy.","start":101.44,"end":102.5,"sentiment":"neutral","sentiment_score":-0.12332151085138321},{"text":"Yeah.","start":108.335,"end":108.655,"sentiment":"neutral","sentiment_score":0.018614543601870537}],"sentiment":"neutral","sentiment_score":-0.04424000787548721,"num_words":8,"start":96.8,"end":108.655},{"sentences":[{"text":"Yeah.","start":108.655,"end":108.895,"sentiment":"neutral","sentiment_score":0.025184841826558113},{"text":"About five minutes from time.","start":108.895,"end":110.435,"sentiment":"neutral","sentiment_score":0.04123133718967438},{"text":"Yep.","start":126.07,"end":126.57,"sentiment":"neutral","sentiment_score":0.035483866930007935},{"text":"Yeah.","start":128.63,"end":129.03,"sentiment":"neutral","sentiment_score":0.0007993597537279129},{"text":"Yeah.","start":129.03,"end":129.19,"sentiment":"neutral","sentiment_score":-0.00326377060264349}],"sentiment":"neutral","sentiment_score":0.02937344265066915,"num_words":9,"start":108.655,"end":129.19},{"sentences":[{"text":"Yeah.","start":129.19,"end":129.69,"sentiment":"neutral","sentiment_score":-0.006650750525295734},{"text":"I think we spoke last like, last year or something.","start":131.03,"end":133.75,"sentiment":"neutral","sentiment_score":-0.08329267390072345},{"text":"Yeah.","start":133.75,"end":134.25,"sentiment":"neutral","sentiment_score":-0.020938344299793243},{"text":"I think so.","start":157.21,"end":157.85,"sentiment":"neutral","sentiment_score":0.007995158744355043},{"text":"Yeah.","start":157.85,"end":158.01001,"sentiment":"neutral","sentiment_score":-0.006622509099543095}],"sentiment":"neutral","sentiment_score":-0.052697054168675095,"num_words":16,"start":129.19,"end":158.01001},{"sentences":[{"text":"I can't remember the exact date.","start":158.01001,"end":159.13,"sentiment":"neutral","sentiment_score":-0.042979415506124496},{"text":"I've already told you at the time what it was, but, yeah, it was around then.","start":159.13,"end":163.79001,"sentiment":"neutral","sentiment_score":-0.019943180261179805},{"text":"Yeah.","start":166.58499,"end":167.08499,"sentiment":"neutral","sentiment_score":0.006974230520427227},{"text":"October, November.","start":167.22499,"end":168.28499,"sentiment":"neutral","sentiment_score":0.011930308071896434},{"text":"Sorry.","start":171.545,"end":172.025,"sentiment":"neutral","sentiment_score":0.005918249487876892}],"sentiment":"neutral","sentiment_score":-0.020777472348597188,"num_words":26,"start":158.01001,"end":172.025},{"sentences":[{"text":"Yeah.","start":172.025,"end":172.42499,"sentiment":"neutral","sentiment_score":0.15139394998550415},{"text":"It's all good.","start":172.42499,"end":173.06499,"sentiment":"positive","sentiment_score":0.3915747304757436},{"text":"So the knees are all good.","start":173.06499,"end":174.025,"sentiment":"positive","sentiment_score":0.38044503331184387},{"text":"I've been working for, yeah, three months or more now.","start":174.025,"end":176.825,"sentiment":"neutral","sentiment_score":0.16303443312644958},{"text":"So Yeah.","start":176.825,"end":181.69,"sentiment":"neutral","sentiment_score":0.08615192398428917}],"sentiment":"neutral","sentiment_score":0.24597438729622148,"num_words":22,"start":172.025,"end":181.69},{"sentences":[{"text":"Yeah.","start":181.69,"end":182.19,"sentiment":"neutral","sentiment_score":0.02954886294901371},{"text":"Yep.","start":185.93001,"end":186.25,"sentiment":"neutral","sentiment_score":0.04476010426878929},{"text":"Yep.","start":186.25,"end":186.75,"sentiment":"neutral","sentiment_score":0.06027290225028992},{"text":"Okay.","start":203.975,"end":204.475,"sentiment":"neutral","sentiment_score":0.01653323508799076},{"text":"I can't remember what any of them were, to be honest, because it it's been a long time just out of this journey.","start":219.71,"end":225.745,"sentiment":"neutral","sentiment_score":-0.05133592726095863}],"sentiment":"neutral","sentiment_score":-0.03813374897948018,"num_words":27,"start":181.69,"end":225.745},{"sentences":[{"text":"Yeah.","start":251.655,"end":252.155,"sentiment":"neutral","sentiment_score":0.04653771221637726},{"text":"I think so.","start":255.815,"end":256.615,"sentiment":"neutral","sentiment_score":0.06207918003201485},{"text":"Yeah.","start":256.615,"end":257.115,"sentiment":"neutral","sentiment_score":0.03752467781305313},{"text":"Yeah.","start":268.34,"end":268.84,"sentiment":"neutral","sentiment_score":0.10622014105319975},{"text":"I think and it will be a I'd say it'll probably go up.","start":287.115,"end":291.3,"sentiment":"neutral","sentiment_score":0.16267007875901002}],"sentiment":"neutral","sentiment_score":0.13111742605504237,"num_words":19,"start":251.655,"end":291.3},{"sentences":[{"text":"I'll probably get some more at $1.70, hopefully, this 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account.","start":380.05002,"end":382.77,"sentiment":"neutral","sentiment_score":0.06948199381048863},{"text":"Maybe if we oh, you know what?","start":382.77,"end":385.67,"sentiment":"neutral","sentiment_score":0.04325107165745327},{"text":"Put it up.","start":386.77,"end":387.67,"sentiment":"neutral","sentiment_score":0.15351453920205435},{"text":"So to to go to $1.70, how much more is that than the $1.50?","start":402.865,"end":407.4,"sentiment":"neutral","sentiment_score":-0.08704518686447825}],"sentiment":"neutral","sentiment_score":0.012318362285824199,"num_words":38,"start":355.11,"end":407.4},{"sentences":[{"text":"Money is that gonna add up?","start":408.84,"end":410.19998,"sentiment":"neutral","sentiment_score":-0.19692513843377432},{"text":"Is it that much?","start":410.19998,"end":411.25998,"sentiment":"neutral","sentiment_score":-0.11625325866043568},{"text":"Yeah.","start":445.75,"end":446.25,"sentiment":"neutral","sentiment_score":0.07402421534061432},{"text":"It's a discount $1.70.","start":446.63,"end":448.16998,"sentiment":"neutral","sentiment_score":0.10489898547530174},{"text":"Yeah.","start":473.75,"end":474.25,"sentiment":"neutral","sentiment_score":0.060063447803258896}],"sentiment":"neutral","sentiment_score":-0.06830501626245677,"num_words":16,"start":408.84,"end":474.25},{"sentences":[{"text":"So just something here.","start":475.165,"end":476.92502,"sentiment":"neutral","sentiment_score":0.012379303574562073},{"text":"So, like, this is more covering me for if I've slipped down a set of stairs or something, isn't it out of work or something like that?","start":476.92502,"end":486.145,"sentiment":"neutral","sentiment_score":-0.033747930355645994},{"text":"Yeah.","start":504.71503,"end":505.035,"sentiment":"neutral","sentiment_score":-0.028358541429042816},{"text":"Okay.","start":505.035,"end":505.535,"sentiment":"neutral","sentiment_score":-0.03849516063928604},{"text":"Yeah.","start":512.235,"end":512.735,"sentiment":"neutral","sentiment_score":-0.0154245775192976}],"sentiment":"neutral","sentiment_score":-0.02776338779093588,"num_words":34,"start":475.165,"end":512.735},{"sentences":[{"text":"Because I've I've got what do they call it?","start":516.81,"end":522.03,"sentiment":"neutral","sentiment_score":0.003873536673684915},{"text":"What's the insurance that everyone has to have?","start":527.465,"end":529.625,"sentiment":"neutral","sentiment_score":-0.01623678731266409},{"text":"So so being a like, I'm a casual worker.","start":529.625,"end":532.025,"sentiment":"neutral","sentiment_score":-0.03931105385224024},{"text":"It's what I claimed with my knee.","start":532.025,"end":533.625,"sentiment":"neutral","sentiment_score":-0.038414478834186284},{"text":"I forgot the name, but work cover.","start":533.625,"end":538.205,"sentiment":"neutral","sentiment_score":-0.02489938054765974}],"sentiment":"neutral","sentiment_score":-0.02230072421953082,"num_words":40,"start":516.81,"end":538.205},{"sentences":[{"text":"Like, if I got work cover I mean, I said work, I've got work cover.","start":538.985,"end":544.89,"sentiment":"neutral","sentiment_score":0.006803595771392186},{"text":"Like, is this does this insurance won't it won't be long.","start":547.43,"end":549.83,"sentiment":"neutral","sentiment_score":-0.042846282944083214},{"text":"I can get this insurance plus the work cover, or is it?","start":549.83,"end":552.89,"sentiment":"neutral","sentiment_score":0.034958133939653635},{"text":"The work cover cost me 95%.","start":553.51,"end":555.77,"sentiment":"neutral","sentiment_score":0.0015070168301463127},{"text":"Yeah.","start":572.79,"end":573.11,"sentiment":"neutral","sentiment_score":-0.004014173522591591}],"sentiment":"neutral","sentiment_score":0.0012282301982243856,"num_words":45,"start":538.985,"end":573.11},{"sentences":[{"text":"Well, that that's high five eighty 4%.","start":573.11,"end":575.13,"sentiment":"neutral","sentiment_score":0.01066025931920324},{"text":"Right.","start":604.69,"end":605.19,"sentiment":"neutral","sentiment_score":-0.06149325892329216},{"text":"Okay.","start":605.25,"end":605.75,"sentiment":"neutral","sentiment_score":-0.02645021863281727},{"text":"Because it's sorta like like we struggle on 85%.","start":606.53,"end":610.63,"sentiment":"neutral","sentiment_score":-0.08708637497491306},{"text":"So 70% isn't really gonna cut it for us.","start":610.975,"end":613.135,"sentiment":"neutral","sentiment_score":-0.06054538695348634}],"sentiment":"neutral","sentiment_score":-0.04970398221026968,"num_words":27,"start":573.11,"end":613.135},{"sentences":[{"text":"Is there can we make it higher or not?","start":613.135,"end":615.875,"sentiment":"neutral","sentiment_score":0.004157236052883996},{"text":"Right.","start":621.295,"end":621.795,"sentiment":"neutral","sentiment_score":-0.010147009044885635},{"text":"Okay.","start":683.015,"end":683.515,"sentiment":"neutral","sentiment_score":0.08707557618618011},{"text":"Alright.","start":684.055,"end":684.555,"sentiment":"neutral","sentiment_score":0.1290974318981171},{"text":"Yeah.","start":686.19,"end":686.58997,"sentiment":"neutral","sentiment_score":0.09235838055610655}],"sentiment":"neutral","sentiment_score":0.025830731082421083,"num_words":13,"start":613.135,"end":686.58997},{"sentences":[{"text":"Yep.","start":686.58997,"end":687.08997,"sentiment":"neutral","sentiment_score":0.1022643968462944},{"text":"Yep.","start":687.14996,"end":687.64996,"sentiment":"neutral","sentiment_score":0.10991249978542328},{"text":"Alright.","start":688.02997,"end":688.52997,"sentiment":"neutral","sentiment_score":0.12061142921447754},{"text":"I think so.","start":692.99,"end":693.87,"sentiment":"neutral","sentiment_score":0.041777607053518295},{"text":"Like, I mean, I think what what if I do break my leg out of work hours?","start":693.87,"end":698.11,"sentiment":"neutral","sentiment_score":-0.05219417087295476}],"sentiment":"neutral","sentiment_score":-0.018659989471020905,"num_words":23,"start":686.58997,"end":698.11},{"sentences":[{"text":"Well, I can't.","start":698.11,"end":698.895,"sentiment":"neutral","sentiment_score":-0.23567185799280801},{"text":"I'm gonna need something.","start":699.85504,"end":700.895,"sentiment":"neutral","sentiment_score":-0.08387139812111855},{"text":"It's still better than nothing, isn't it?","start":700.895,"end":702.835,"sentiment":"neutral","sentiment_score":0.13335528544017247},{"text":"Yeah.","start":730.145,"end":730.385,"sentiment":"neutral","sentiment_score":0.1545574516057968},{"text":"Yeah.","start":730.385,"end":730.705,"sentiment":"neutral","sentiment_score":0.1821865737438202}],"sentiment":"neutral","sentiment_score":0.014233116060495373,"num_words":16,"start":698.11,"end":730.705},{"sentences":[{"text":"Definitely.","start":730.705,"end":731.205,"sentiment":"neutral","sentiment_score":0.2579207420349121},{"text":"Alright.","start":744.28,"end":744.78,"sentiment":"neutral","sentiment_score":0.10035642236471176},{"text":"And so half my sleep is going on to my wife at the moment.","start":745.32,"end":750.06,"sentiment":"neutral","sentiment_score":-0.012037470005452633},{"text":"So she's got a job now.","start":754.68,"end":756.36,"sentiment":"neutral","sentiment_score":-0.00924004583309094},{"text":"So and I'm just a bit lot of stuff, weird stuff going on in the world.","start":756.36,"end":762.755,"sentiment":"neutral","sentiment_score":-0.09235474048182368}],"sentiment":"neutral","sentiment_score":-0.035351672062748356,"num_words":38,"start":730.705,"end":762.755},{"sentences":[{"text":"I know I know I put a fair bit into high risk.","start":763.935,"end":766.595,"sentiment":"neutral","sentiment_score":-0.2181794469555219},{"text":"I was just wondering how is it all going?","start":768.255,"end":770.095,"sentiment":"neutral","sentiment_score":-0.14327373107274374},{"text":"Like, what's what is happening with it all?","start":770.095,"end":772.495,"sentiment":"neutral","sentiment_score":-0.1458202162757516},{"text":"What I don't know 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it.","start":999.6,"end":1003.13995,"sentiment":"neutral","sentiment_score":-0.20101181603968143}],"sentiment":"neutral","sentiment_score":-0.13120858058391605,"num_words":32,"start":956.015,"end":1003.13995},{"sentences":[{"text":"I'll be in the sun all day.","start":1005.68,"end":1007.06,"sentiment":"neutral","sentiment_score":-0.1049776439155851},{"text":"Yeah.","start":1012.39496,"end":1012.89496,"sentiment":"neutral","sentiment_score":-0.04231465607881546},{"text":"So that's but yeah.","start":1013.115,"end":1017.935,"sentiment":"neutral","sentiment_score":-0.06784559786319733},{"text":"So I haven't really done much in the time I've been in there because I thought I was at about one eighty before we started all this, but Yeah.","start":1018.475,"end":1097.865,"sentiment":"neutral","sentiment_score":-0.15499611622814474},{"text":"So if these things calm down in the world, you'd expect bigger growth than that, wouldn't you?","start":1103.605,"end":1108.77,"sentiment":"neutral","sentiment_score":0.21865985674016616}],"sentiment":"neutral","sentiment_score":-0.03148638553403575,"num_words":58,"start":1005.68,"end":1108.77},{"sentences":[{"text":"Yeah.","start":1110.77,"end":1111.27,"sentiment":"neutral","sentiment_score":0.07333675771951675},{"text":"Yeah.","start":1172.1299,"end":1172.6299,"sentiment":"neutral","sentiment_score":0.018134642392396927},{"text":"And and when I spoke a while ago with you is I was sort of thinking towards doing, like, like, super where I own a property rather than these investments.","start":1173.09,"end":1188.845,"sentiment":"neutral","sentiment_score":0.015931642303864162},{"text":"At the time I think I think I think you said you're better off having about 200 in in your before you do that.","start":1190.64,"end":1197.38,"sentiment":"neutral","sentiment_score":0.005363887331138055},{"text":"Yeah.","start":1232.8151,"end":1233.3151,"sentiment":"neutral","sentiment_score":0.024614445865154263}],"sentiment":"neutral","sentiment_score":0.012680147562110633,"num_words":57,"start":1110.77,"end":1233.3151},{"sentences":[{"text":"Yeah.","start":1319.93,"end":1320.33,"sentiment":"neutral","sentiment_score":0.0563138872385025},{"text":"I I I met a guy the other day, and he was along the belief that you could do it with one fifty.","start":1320.33,"end":1326.03,"sentiment":"neutral","sentiment_score":0.053658137259923896},{"text":"But yeah.","start":1329.13,"end":1329.77,"sentiment":"neutral","sentiment_score":-0.05755457282066345},{"text":"I don't know.","start":1329.77,"end":1330.51,"sentiment":"neutral","sentiment_score":-0.19068792462348938},{"text":"I don't know.","start":1369.1151,"end":1370.015,"sentiment":"neutral","sentiment_score":-0.1883571892976761}],"sentiment":"neutral","sentiment_score":0.0011939549003727734,"num_words":32,"start":1319.93,"end":1370.015},{"sentences":[{"text":"I'm not sure.","start":1370.2351,"end":1371.135,"sentiment":"neutral","sentiment_score":-0.27362848321596783},{"text":"I don't know if I wanna do this at all.","start":1372.24,"end":1373.72,"sentiment":"negative","sentiment_score":-0.34575953483581545},{"text":"I was just I'm just curious about it.","start":1373.72,"end":1375.44,"sentiment":"neutral","sentiment_score":-0.14634396322071552},{"text":"I was just Yeah.","start":1375.44,"end":1422.275,"sentiment":"neutral","sentiment_score":0.06612691842019558},{"text":"Yeah.","start":1422.275,"end":1422.755,"sentiment":"neutral","sentiment_score":0.26251357793807983}],"sentiment":"neutral","sentiment_score":-0.1893158173904969,"num_words":26,"start":1370.2351,"end":1422.755},{"sentences":[{"text":"Yeah.","start":1422.755,"end":1423.255,"sentiment":"neutral","sentiment_score":0.306680828332901},{"text":"Why do the fees go up because you got less money?","start":1469.595,"end":1478.735,"sentiment":"neutral","sentiment_score":-0.17212056571787054},{"text":"Yeah.","start":1484.79,"end":1485.1101,"sentiment":"neutral","sentiment_score":-0.07935483753681183},{"text":"Like you're saying that at at $1.50, that the fees will be higher than if it's at 250 or or what?","start":1485.1101,"end":1491.3701,"sentiment":"neutral","sentiment_score":-0.10141598096206075},{"text":"Yeah.","start":1518.21,"end":1518.5299,"sentiment":"neutral","sentiment_score":-0.00446091964840889}],"sentiment":"neutral","sentiment_score":-0.10857705005577632,"num_words":35,"start":1422.755,"end":1518.5299},{"sentences":[{"text":"So I really need the rent to be paying the whole mortgage out.","start":1518.5299,"end":1522.1499,"sentiment":"neutral","sentiment_score":-0.015020256432203146},{"text":"Each Okay.","start":1523.25,"end":1532.0449,"sentiment":"neutral","sentiment_score":0.024777958169579506},{"text":"Okay.","start":1548.89,"end":1549.39,"sentiment":"neutral","sentiment_score":0.037892065942287445},{"text":"Yeah.","start":1549.77,"end":1550.01,"sentiment":"neutral","sentiment_score":0.03475794196128845},{"text":"If you can send me some info, that that'd be good to have a 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insurance.","start":1579.3949,"end":1601.3201,"sentiment":"neutral","sentiment_score":-0.052240696887732765}],"sentiment":"neutral","sentiment_score":-0.08053535803292806,"num_words":65,"start":1552.915,"end":1601.3201},{"sentences":[{"text":"We're paying, like, a $100 a month or whatever it is.","start":1602.1001,"end":1605.0,"sentiment":"neutral","sentiment_score":-0.06134815818884156},{"text":"Do we have to let them cross over for a while so there's full cover and everything?","start":1605.7949,"end":1610.355,"sentiment":"neutral","sentiment_score":0.0044959643307854145},{"text":"Or or what is the where do we go to?","start":1610.355,"end":1614.615,"sentiment":"neutral","sentiment_score":-0.03286411594599485},{"text":"Raw.","start":1639.285,"end":1639.785,"sentiment":"neutral","sentiment_score":-0.10921874642372131},{"text":"Yeah.","start":1653.49,"end":1653.99,"sentiment":"neutral","sentiment_score":-0.06982560455799103}],"sentiment":"neutral","sentiment_score":-0.02765209642238915,"num_words":40,"start":1602.1001,"end":1653.99},{"sentences":[{"text":"Alright.","start":1656.93,"end":1657.43,"sentiment":"neutral","sentiment_score":0.03288809582591057},{"text":"Okay.","start":1657.57,"end":1658.07,"sentiment":"neutral","sentiment_score":0.04342403635382652},{"text":"No worries.","start":1659.41,"end":1660.07,"sentiment":"neutral","sentiment_score":0.09816577285528183},{"text":"Yeah.","start":1667.605,"end":1667.9249,"sentiment":"neutral","sentiment_score":0.058417681604623795},{"text":"Yeah.","start":1667.9249,"end":1668.4249,"sentiment":"neutral","sentiment_score":0.05499853193759918}],"sentiment":"neutral","sentiment_score":0.06434331523875396,"num_words":6,"start":1656.93,"end":1668.4249},{"sentences":[{"text":"Yeah.","start":1668.485,"end":1668.985,"sentiment":"neutral","sentiment_score":0.03766848146915436},{"text":"Anything you think is good that would really help me out of a jam, I want I want done.","start":1671.445,"end":1676.58,"sentiment":"positive","sentiment_score":0.4435686798472154},{"text":"I don't know if I'm getting emails from you.","start":1696.105,"end":1698.345,"sentiment":"neutral","sentiment_score":-0.09448834425873226},{"text":"So maybe I am.","start":1698.345,"end":1699.305,"sentiment":"neutral","sentiment_score":-0.11260492354631424},{"text":"I just haven't seen them.","start":1699.305,"end":1700.505,"sentiment":"neutral","sentiment_score":-0.2123510420322418}],"sentiment":"neutral","sentiment_score":0.16060272094450498,"num_words":38,"start":1668.485,"end":1700.505},{"sentences":[{"text":"They might be going into the wrong part of my email.","start":1700.505,"end":1703.225,"sentiment":"neutral","sentiment_score":-0.16299953785809604},{"text":"I'll have a look.","start":1703.225,"end":1703.865,"sentiment":"neutral","sentiment_score":-0.03977337013930082},{"text":"What what what was on it?","start":1703.865,"end":1705.3251,"sentiment":"neutral","sentiment_score":-0.04054362513124943},{"text":"No.","start":1719.1649,"end":1719.6449,"sentiment":"neutral","sentiment_score":-0.12451711297035216},{"text":"I'm really 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towards the end there.","start":1869.1849,"end":1872.225,"sentiment":"neutral","sentiment_score":0.0002334369346499443},{"text":"Some people sorry.","start":1872.225,"end":1874.805,"sentiment":"neutral","sentiment_score":-0.02894669274489085},{"text":"Yep.","start":1883.1699,"end":1883.6699,"sentiment":"neutral","sentiment_score":0.17770415544509888},{"text":"I don't really know what you're doing anyway.","start":1892.665,"end":1895.0851,"sentiment":"neutral","sentiment_score":0.0446509406901896},{"text":"So probably I it's the same thing to me really.","start":1895.2251,"end":1900.2051,"sentiment":"neutral","sentiment_score":0.03718734700232744}],"sentiment":"neutral","sentiment_score":0.023513707225876194,"num_words":35,"start":1869.1849,"end":1900.2051},{"sentences":[{"text":"So I Yeah.","start":1903.9451,"end":1937.8099,"sentiment":"neutral","sentiment_score":0.14211811621983847},{"text":"I I'd like to you, all these investment things make sense to me.","start":1937.8099,"end":1943.17,"sentiment":"neutral","sentiment_score":0.2009881597298842},{"text":"It's just a bunch of names.","start":1943.17,"end":1945.11,"sentiment":"neutral","sentiment_score":0.09560791278878848},{"text":"So yeah.","start":1952.305,"end":1952.785,"sentiment":"neutral","sentiment_score":0.045133402571082115},{"text":"So I think I'd I mean, if that if the other way, it would sound like it would make makes more sense to make money make more money.","start":1952.785,"end":1962.41,"sentiment":"neutral","sentiment_score":0.06975817893232618}],"sentiment":"neutral","sentiment_score":0.10877584071400073,"num_words":52,"start":1903.9451,"end":1962.41},{"sentences":[{"text":"I mean, I'm all about making more money.","start":1962.4701,"end":1964.41,"sentiment":"neutral","sentiment_score":0.21844641026109457},{"text":"So yeah.","start":1964.4701,"end":1967.93,"sentiment":"neutral","sentiment_score":0.1830691173672676},{"text":"Alright.","start":2017.6901,"end":2018.1901,"sentiment":"neutral","sentiment_score":0.14697934687137604},{"text":"No worries.","start":2018.65,"end":2019.39,"sentiment":"neutral","sentiment_score":0.10873762890696526},{"text":"Yeah.","start":2036.465,"end":2036.785,"sentiment":"neutral","sentiment_score":0.027619557455182076}],"sentiment":"neutral","sentiment_score":0.17898454849741288,"num_words":14,"start":1962.4701,"end":2036.785},{"sentences":[{"text":"No.","start":2036.785,"end":2036.9451,"sentiment":"neutral","sentiment_score":-0.01494745910167694},{"text":"It's all the same.","start":2036.9451,"end":2037.925,"sentiment":"neutral","sentiment_score":0.01070841564796865},{"text":"Down the track, I I might end up maybe want to start my own business or something.","start":2040.41,"end":2044.83,"sentiment":"neutral","sentiment_score":0.042775291511241126},{"text":"I I don't know.","start":2045.29,"end":2046.51,"sentiment":"neutral","sentiment_score":-0.015893418341875076},{"text":"But yeah.","start":2046.73,"end":2050.19,"sentiment":"neutral","sentiment_score":0.030429895967245102}],"sentiment":"neutral","sentiment_score":0.026869724205295955,"num_words":28,"start":2036.785,"end":2050.19},{"sentences":[{"text":"Yeah.","start":2056.105,"end":2056.4248,"sentiment":"neutral","sentiment_score":0.10838448256254196},{"text":"I can, like, I could start a business and still keep doing my job I'm doing now.","start":2056.4248,"end":2060.9849,"sentiment":"neutral","sentiment_score":0.11874026410719928},{"text":"I'll just get paid differently.","start":2060.9849,"end":2062.285,"sentiment":"neutral","sentiment_score":0.10053998827934266},{"text":"But then I could also do other work as well as that just so that I've got a bit of a background, a bit of a fallback if if this my current work relies on contracts and stuff, which will come into an end in the next year or two.","start":2064.025,"end":2080.49,"sentiment":"neutral","sentiment_score":0.019803281426429748},{"text":"We probably well, I'd say we'll we'll win it again, but we we you never know.","start":2081.27,"end":2085.935,"sentiment":"neutral","sentiment_score":0.017412310233339667}],"sentiment":"neutral","sentiment_score":0.04380258369479287,"num_words":89,"start":2056.105,"end":2085.935},{"sentences":[{"text":"It might not.","start":2085.935,"end":2086.7551,"sentiment":"neutral","sentiment_score":-0.052065333972374596},{"text":"So that yeah.","start":2089.215,"end":2092.495,"sentiment":"neutral","sentiment_score":0.03223835863173008},{"text":"I don't know whether that will change things heaps or not, but Yeah.","start":2092.495,"end":2127.27,"sentiment":"neutral","sentiment_score":-0.021854719791847926},{"text":"Okay.","start":2127.27,"end":2127.77,"sentiment":"neutral","sentiment_score":0.010040301829576492},{"text":"Oh, yeah.","start":2128.3901,"end":2129.11,"sentiment":"neutral","sentiment_score":-0.007955102249979973}],"sentiment":"neutral","sentiment_score":-0.01588464481756091,"num_words":22,"start":2085.935,"end":2129.11},{"sentences":[{"text":"Alright.","start":2129.11,"end":2129.61,"sentiment":"neutral","sentiment_score":-0.022737104445695877},{"text":"I'm holding up too much here.","start":2130.07,"end":2131.51,"sentiment":"neutral","sentiment_score":-0.2343944857517878},{"text":"Sorry.","start":2131.51,"end":2131.83,"sentiment":"neutral","sentiment_score":-0.21223244071006775},{"text":"I'm gonna have to 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medications.","start":2168.265,"end":2169.645,"sentiment":"neutral","sentiment_score":-0.11264083981513977},{"text":"No.","start":2170.105,"end":2170.605,"sentiment":"neutral","sentiment_score":-0.06303758919239044},{"text":"Yeah.","start":2190.52,"end":2191.02,"sentiment":"neutral","sentiment_score":-0.028895340859889984}],"sentiment":"neutral","sentiment_score":-0.0771648527847396,"num_words":9,"start":2141.165,"end":2191.02},{"sentences":[{"text":"It's probably even more than that.","start":2193.0251,"end":2194.965,"sentiment":"neutral","sentiment_score":-0.10737481092413266},{"text":"I think it'd be it'd be it'd be ten years now.","start":2197.825,"end":2200.485,"sentiment":"neutral","sentiment_score":-0.010922590863298286},{"text":"Because when me and my wife first started diet, it was when it happened, and that's that's ten years in in March.","start":2202.305,"end":2208.01,"sentiment":"neutral","sentiment_score":0.1642634370787577},{"text":"So congratulations.","start":2208.15,"end":2215.45,"sentiment":"positive","sentiment_score":0.4232751727104187},{"text":"I haven't really had anything since then.","start":2226.025,"end":2228.265,"sentiment":"neutral","sentiment_score":-0.12768558412790298}],"sentiment":"neutral","sentiment_score":0.05837811473368978,"num_words":48,"start":2193.0251,"end":2228.265},{"sentences":[{"text":"Like, nothing nothing that's prevented me from doing anything.","start":2228.265,"end":2232.6848,"sentiment":"neutral","sentiment_score":0.00586273397008578},{"text":"Yeah.","start":2243.44,"end":2243.76,"sentiment":"neutral","sentiment_score":-0.020029835402965546},{"text":"Yeah.","start":2243.76,"end":2244.08,"sentiment":"neutral","sentiment_score":-0.02179101854562759},{"text":"I I went on work at comp whatever it was back then, and I was off work for about two or three months.","start":2244.08,"end":2250.98,"sentiment":"neutral","sentiment_score":-0.05808010972712351},{"text":"I I know it wasn't so much that it got badly damaged in any way.","start":2252.115,"end":2256.355,"sentiment":"neutral","sentiment_score":-0.19984742999076843}],"sentiment":"neutral","sentiment_score":-0.08821653513884058,"num_words":49,"start":2228.265,"end":2256.355},{"sentences":[{"text":"It was more just a bunch of muscles that spasmed up real bad.","start":2256.355,"end":2259.895,"sentiment":"neutral","sentiment_score":-0.27863590992414033},{"text":"Like, it wasn't really as, like, a like, like a from doing a physio, I fixed it.","start":2261.155,"end":2266.55,"sentiment":"neutral","sentiment_score":-0.08260637521743774},{"text":"Like, there was no surgery or anything like that.","start":2266.55,"end":2268.47,"sentiment":"neutral","sentiment_score":-0.10439964218272103},{"text":"Like, it was just an injury really, not not that much of not so much of a a constant problem or anything.","start":2268.47,"end":2277.37,"sentiment":"neutral","sentiment_score":-0.21337693286213008},{"text":"Yeah.","start":2293.9001,"end":2294.4001,"sentiment":"neutral","sentiment_score":0.005911011248826981}],"sentiment":"neutral","sentiment_score":-0.1718476370818192,"num_words":62,"start":2256.355,"end":2294.4001},{"sentences":[{"text":"That'll be right.","start":2294.86,"end":2295.6602,"sentiment":"neutral","sentiment_score":0.04976618414123853},{"text":"Yep.","start":2295.6602,"end":2296.1602,"sentiment":"neutral","sentiment_score":0.042510103434324265},{"text":"Well, it's taking a little bit to get over.","start":2317.245,"end":2319.325,"sentiment":"neutral","sentiment_score":-0.2079567950632837},{"text":"This it's not I took my GP.","start":2319.325,"end":2322.27,"sentiment":"neutral","sentiment_score":-0.18344475328922272},{"text":"He just said there's, like, nerves and things in the knee take a while to heal up.","start":2322.27,"end":2327.25,"sentiment":"neutral","sentiment_score":-0.21045078600154205}],"sentiment":"neutral","sentiment_score":-0.1767994360746564,"num_words":37,"start":2294.86,"end":2327.25},{"sentences":[{"text":"So it was when I last we last spoke, it was just some little stabby feelings at times that are just it's just nerves twitching and things like that.","start":2327.87,"end":2337.2852,"sentiment":"neutral","sentiment_score":-0.11787751573940804},{"text":"But I haven't really had any of that sort of stuff.","start":2337.345,"end":2341.205,"sentiment":"neutral","sentiment_score":-0.16215827654708515},{"text":"I don't know.","start":2341.665,"end":2342.485,"sentiment":"neutral","sentiment_score":-0.12741360068321228},{"text":"When it stops happening, you still stop thinking about it.","start":2343.185,"end":2345.825,"sentiment":"neutral","sentiment_score":-0.11350103840231895},{"text":"But yeah.","start":2345.825,"end":2347.905,"sentiment":"neutral","sentiment_score":-0.10781542956829071}],"sentiment":"neutral","sentiment_score":-0.12609220079400324,"num_words":55,"start":2327.87,"end":2347.905},{"sentences":[{"text":"I haven't yeah.","start":2347.905,"end":2353.25,"sentiment":"neutral","sentiment_score":-0.1241735319296519},{"text":"Yeah.","start":2362.0298,"end":2362.3499,"sentiment":"neutral","sentiment_score":-0.12031660974025726},{"text":"I'm not really I don't really get anything more.","start":2362.3499,"end":2364.5952,"sentiment":"neutral","sentiment_score":-0.2706614053911633},{"text":"I haven't heard that this year.","start":2364.5952,"end":2365.975,"sentiment":"neutral","sentiment_score":-0.10782744238773982},{"text":"Well, background October, I'll still get in touch touch with that.","start":2366.435,"end":2368.995,"sentiment":"neutral","sentiment_score":-0.023379038003357975}],"sentiment":"neutral","sentiment_score":-0.1277641308804353,"num_words":30,"start":2347.905,"end":2368.995},{"sentences":[{"text":"But yeah.","start":2368.995,"end":2377.0952,"sentiment":"neutral","sentiment_score":0.021108292043209076},{"text":"Yep.","start":2377.59,"end":2377.83,"sentiment":"neutral","sentiment_score":0.07172438502311707},{"text":"Yep.","start":2377.83,"end":2378.33,"sentiment":"neutral","sentiment_score":0.1052023321390152},{"text":"Yeah.","start":2394.0552,"end":2394.375,"sentiment":"neutral","sentiment_score":0.15454918146133423},{"text":"It's on I'd say it's probably stronger than the other knee now.","start":2394.375,"end":2397.195,"sentiment":"neutral","sentiment_score":0.1288536638021469}],"sentiment":"neutral","sentiment_score":0.11293743813739103,"num_words":17,"start":2368.995,"end":2397.195},{"sentences":[{"text":"No.","start":2407.8298,"end":2408.3298,"sentiment":"neutral","sentiment_score":-0.08076459169387817},{"text":"No.","start":2408.63,"end":2409.13,"sentiment":"neutral","sentiment_score":-0.12502625584602356},{"text":"Yeah.","start":2445.5798,"end":2445.98,"sentiment":"neutral","sentiment_score":0.08681666105985641},{"text":"I kinda wanna build this as fast as I can and then would like to go down to the property road probably because I just think I don't know.","start":2445.98,"end":2456.6848,"sentiment":"neutral","sentiment_score":0.05120767017119918},{"text":"I can't see property stopping anytime soon.","start":2456.6848,"end":2460.4648,"sentiment":"neutral","sentiment_score":-0.20708717352577619}],"sentiment":"neutral","sentiment_score":-0.002142614517838527,"num_words":39,"start":2407.8298,"end":2460.4648},{"sentences":[{"text":"Alright.","start":2479.855,"end":2480.355,"sentiment":"neutral","sentiment_score":0.29889237880706787},{"text":"Okay.","start":2491.199,"end":2491.5989,"sentiment":"positive","sentiment_score":0.5224316120147705},{"text":"Thank you very much.","start":2491.5989,"end":2492.739,"sentiment":"positive","sentiment_score":0.8272805213928223},{"text":"Bye bye.","start":2495.119,"end":2495.939,"sentiment":"neutral","sentiment_score":0.2242283895611763}],"sentiment":"positive","sentiment_score":0.572362856939435,"num_words":8,"start":2479.855,"end":2495.939}]}}]},{"alternatives":[{"transcript":"Good afternoon. Oakview Financial. This is Samantha. Hello? Yeah? Of course. Yeah. Let me have a look who is giving you a call. Today is the '24. May have been Veronica. Let me have a look. Okay. Yes. Excellent. It was Veronica giving you a call. Is now a good time to have that discussion with her? Yeah. Perfect. Yeah. Not a problem. I'll just go to complete security with you first before I do transfer you through to Veronica. So I'm just going to confirm your date of birth and residential address for security. Yep. Yep. Yep. Perfect. That's what we've got here, Xavier. I'll transfer you through to Veronica, and she'll be the next person to speak with. Alright. Excellent. One moment. Welcome to Hi, Davia. It's Ronnie Kim. Hey. Good. How are you? Busy day? Yeah. On your way home now? I still got a few more things to do. Oh, yeah. Perfect. Well, I will try not to keep you obviously too long. I'm sure you wanna get home. But, essentially, had you booked in to kinda get their consolidation and those insurances sorted for you. Does that all ring a bell? Yeah. No. I know yeah. And I think then it was kind of like we were kind of waiting on you to have that last physio appointment because then that was, like, kind of the last thing for you with the work cover, and then you were kind of back you're obviously at work full time as well or full duty. Would that kind of happen? You had your last appointment back in November, was it? Yeah. I have it here around around November or so. Yeah. Yeah. Yeah. And so yep. Yeah. Perfect. And you're kind of at full duties and stuff for, like yeah. Since since October, essentially? Yep. Alright. Perfect. Now I can go and revisit the insurances for you. I'll have to do a bit of an updated SOA and research just to make sure that, you know, if MetLife is still the best provider for you or if anything has changed. So I'll go back and speak to the insurance and see what they say. Now are you still happy with the amounts and everything that was recommended, or would you like to, you know, refresh all of those, or have anything else changed in regards to any of those goals? No. That's okay. Now we were looking at a million dollars for your life and your total permanently disabled, then you can never go back to work again. So we were looking around at a million dollars worth of cover for that. Are you still happy with, you know, those amounts for Yep. Yep. Okay. Now we also had an income protection, and that is to cover you for a loss of income if you were temporarily unable to work. Now this one here is an in income replacement, and it can cover you for up to 70% of your income. So we were looking at a 70% of a 150,000. Is that still your income, or has that changed? Okay. Yep. Okay. Because when we do look at our income protection, not always. Sometimes they'll ask for a pay slip to confirm it, the amount, like how much you're earning. So if that varies a lot, they could say, oh, well, that's too much. You're not actually earning that much. But on the other side as well that if I let's say I do $1.70 and you actually only earn a 150, come claim time, so if you need to go on claim, they will only cover you for 70% of your income at the time of claim. So if at the time you only earn a 150, they'll only cover you for that even though you're technically paying for up to a 170. But at the same time, if you do earn a 170, then, obviously, we wanna make sure we cover as much as we can. So, obviously, as is financially something were to happen. So if you if you think that your income is a 170, then I can change it, or if you think 150. Yes. So, yeah, you definitely can. The only thing is by increasing cover, the insurance will be like, well, we are taking on more risk. You definitely can. You would just have to go through, like, the whole application process again because they are taking on more risk. So they will need to do an assessment again. Mhmm. I I'll have to run the numbers for you. It's probably not a great deal, to be fair. I'll have to run the numbers too short. I could put it in in the research for you. But if you if you think that it's more around the $1.70, I would say it's always better to do a little bit more because if you want to then decrease it, it's really easy. It's just a quick form to say, yep. Cool. It's decreased because the insurers are like, well, we are taking a less risk. We're happy to. It's harder to do the other way. Okay. $1.70. Perfect. Now we were looking at about a thirty day waiting period. So, obviously, until that payment would kick in if something were to happen, and then a benefit period of five years. So somewhere in the middle, that if you need to be on claim, it would then last for five years. Are you still kind of happy with with that thirty and five years? Yep. Okay. Mhmm. So this can be any illness or injury. That means that you cannot go back to work. So it does definitely doesn't have to happen at work or anything like that. It can happen at home. It can be on holiday. You could be snowboarding or whatever whatever it might be or get an illness. If you get diagnosed with an illness or injury, irrespective of where it happens, and you cannot go back to work, then that's when, you'll be covered. Oh, work cover? Work cover? Yes. Mhmm. Yes. No. Correct. 100%. That is correct. That is that's the the tricky point that if you if something happen at work and you're on work cover and your work cover pays more than 70 percent of your income, the income protection will not be paid out. Yeah. So that would mean that your income wouldn't cover I have seen sometimes with work cover, they can cover, like, partials or stuff like that. So if, for example, you're on work cover and work cover would cover 70% sorry, 50% of your income, then there are instances where you can have a top up of an income protection. But most of the time, like you said, it's around 80 or 85%, sometimes even 90% of your income, which is more than the income protection. So the income protection will not be paid. Yeah. Yeah. 70% is the max you can have, unfortunately. And it is definitely like that. A lot of clients are like, well, you know, we are struggling with 70. From an income protection point view, that is the most you can have. Sometimes depending on what the reasons are, you can sometimes use trauma as a bit of a buffer. Now we I did make a recommendation on trauma last time, and, again, it is different function. But trauma is a different policy that you don't have to prove that you get you know, can return to work or anything like that. If you get a diagnosis that's eligible, you will get a lump sum payment. You don't have to prove that you can't go back to work or anything like that. But let's say you you get that traumatic event happening to you, you get a lump sum. We were looking at about a 150,000 last time. Sometimes people will then use that 150 to top up the the loss of income because it only covers that 70% if you are eligible for it. Does that make sense? Yeah. Are you still wanting an income protection, or what are your thoughts? Okay. Yeah. Exactly. Exactly. And if you if you can afford it, obviously, in superannuation as well, we'll obviously do. I'll do some updated research on your super and investments as well just to see everything's, you know, doing the way it should be or if you need to make any changes. And I also factor in, obviously, the cost of the insurances and that it doesn't eat away at all your contributions going in. Because at the same time, we obviously want your superannuation to continue to to to grow. Yeah. So I'll if you're happy to, I'll do the numbers anyway. I'll run through it with with you once I've had back from all the insurers. You have the cost then, and then you can let me know what your thoughts are. Yep. And yeah. Yes. The spousal contribution. Yes. Yep. Mhmm. Yeah. Yeah. I'm sorry. Let me see if I can go into your account right now. Now I will do, update research on everything as well as in-depth for you, as part of the the research there when I do look at insurances to see. And like you said as well, things have definitely there's a lot happening in in the world and in the market that has caused fluctuations. Some of it is cyclical. Let me have a look here. So I'll try to log in for you and and see. But, obviously, because Natalie is working and it you obviously want the contributions to go to your fund, that's perfectly fine. I might send her an email. We'll tryna get her booked in for a different catch up to reassess things for her as well now when she is working and getting contributions because that obviously would change a little bit for her. But let's see if I can have a look here. So at the moment, your super balance is at 167,075. Now let me see here. When I have a look at your investments, most of them have been doing pretty okay, but there is one that recently have underperformed, which is why I do really wanna research your investments and look to change that one. Now that is your Benelong Australian equity. So that one was added to your portfolio because it is that kind of that active management side of it, and it's designed to China. They are kind of actively buying and selling investments. They're trying to outperform the market, and that forms part of that kind of high growth portfolio for you. Historically, they have done really, really well, but more recently, they've kind of underperformed a little bit. But the biggest reason why is that one of their investments, so not them per se, but one of their investments that they had in their portfolio was Corporate Travel Group. They had a bit of issues with their reporting, which caused their their prices to fall. So if that one isn't going to be the best for you moving forward, we do wanna look at changing that through something else. Similar function, but it's doing a little bit better for you. And the good thing with twenty four is that there's hundreds of different options for us to choose from, so we can very easily make that change. So making sure that at all points in time, we do have you in the best option. That was probably a lot of information for you. I will put everything in the research paper with the insurances for you. So once I kind of deep dive a little bit more into the investments, but definitely, especially that investment, I will put together the recommendations. I will run through that with you and see what your thoughts are. Yes. Yes. And that is because of the insurances. So we left that open while we were going through the insurance process to get that sorted with MetLife because you do have a bit of insurances in there. And in that interim, I would not want to leave you uninsured. So as soon as we have the insurances sorted for you, we can then roll that over. I'll do the research, but I if, obviously, appropriate, then we can roll that over and get it all Yeah. Let me see how much was rolled in. Bear with me. Capital ports. Let me just have a look here for you. Now while I wait for that to load, I do wanna quickly especially with doing the investments actually, I can see here $161.01 at $474.95. So then here is this. So it's it's still gone up since then even though we've had especially the last twelve months has probably been the most fluctuation with everything going on. And, obviously, you still have the the bus queue as well. So yes. Especially on your growth investments. Now, obviously, being in that high growth portfolio as well, long term, we do see, you know, those those higher returns. Short term, depending on when it is, we see bit of fluctuation. Now typically speaking as well in a high growth portfolio, and that's also why the time frame comes into play a lot by making sure you have enough time in the market for the fluctuations. Because typically in a high growth portfolio, we typically see the likelihood of a negative return about one in five years. So, obviously, this this last twelve months have been a bit more turbulent with everything going on, especially the, suspense on the corporate travel group in Bennelong. It's not obviously out of the norm for the market to behave this way as well that sometimes during the period, there will be ups and downs as long as the the foundation of the investments and everything is very diversified and is very solid for you. Mhmm. Yep. Yeah. It's like a self managed super fund. Yeah. That's what ASIC says. So ASIC say that in order to kinda make it worth it from a fee point of view, because there's obviously a lot more compliance and legislation in regards to your self managed super fund, they suggest a minimum of $2.50 to go down that way. Obviously, if you have property and stuff like that, you obviously need to make sure you have enough to facilitate it. Some industry experts have that around the 500 mark. So it's quite different, but ASIC says that the minimum of $2.50, they suggest, to make it work. That's a as a guideline from a cost point of view. Some clients, it will work really well for. Otherwise, other clients, not great. So self management are great from an investment point of view for some people. Definitely not for everyone, especially because how it's designed, it's for you to self manage. So you would be the trustee. You would have the responsibility of managing everything and making sure it stays compliant. You would then have an annual tax return and order done on the self managed super fund by an accountant. Obviously, if you have a a property side of it, which is most of the time where people do go down the self managed super side side of it, if you have a loan through it, you would have a different self super funds or rental income and stuff like that with contributions, and then obviously expenses and everything like that. The mortgage payment would come out. So it is a bit more complex in that way. Where we would come into play is if you would want a investment portfolio alongside the property. So if you want that along with the property, then we can manage that side. Otherwise, the self managed super fund is something that you would predominantly manage yourself, and then obviously have the accountant from all the auditing and compliance and documentation point of view. Technically, you technically, you probably could deal with anything. It's more for making it making it worse from a fee. So if you have a 150,000, you could set it up. But then if you have you know? I'll see here if I can find what the accountants typically charge from it to get it set up. It only depends on which account firm you use and everything like that. The the thing to be more careful for is just the fee. And would you guys would you be just you, or would you guys be combining your superannuation? Yeah. Well, what what I can do, sir, obviously, make it easy, sorry, I don't keep you too long, is I will send you an email. I'll include the the pricing as well of what the minute super fund, and I can also send you that link to ASIC, where they do talk about it. That's just what they suggest as a minimum to make it worthwhile the fees. But you can technically set it up with less. I wouldn't recommend doing it with less because of the fee. But if you tell me, hey. This is what I wanna do, and I know someone that can do it for me. That's what I want. There's obviously no obligation. But we obviously do have to follow all that best interest duty, making sure that everything we do recommend for you is going to put you in a better position and be the best for you. And from all the research I've done with the self managed super fund, if we have a super balance of around 150, the fees are quite quite large. And if I then kind of project based on what the returns on the investments can do over the long term versus, obviously, the the property increase, it it tend not to outperform. Obviously, you never know obviously, if you get a really good niche property, that can do really, really well. You can also maybe not get so much growth, some investments as well. So there's obviously risks with both. But then you obviously have to think about liquidation and everything like that as well with property. Why do the fees go up because you have less money? The the the fees tend to stay the same, but then if you do it based on the percentage of the balance that you have, you'll obviously get left with a lot less. So let's say if it costs $10,000, if you have a $150,150,000 in there, then if you do a percentage of the 10,000 of that, it's obviously a lot more. But then compounding will grow than if you have more money in there. So yeah. And that will be the mortgage because then you have the auditing fees. You have the compliance fees. Just to that's just admin administration side on top of it. If you then have an investment portfolio, you might have adviser fees on top of that. You have the platform fees where things are being held, like the cash accounts and stuff like that with the self managed super funds. But what I can yeah. Yeah. No. No. By by all means, I will send email. It probably won't be today, but I will try to send it by end of business day tomorrow, some information for you. And I will send you just some general accounting fee as well so that you know what those kind of auditing fees and stuff like that is that I'm that I'm talking about. So mhmm. Mhmm. Yep. Yeah. Yeah. Yeah. No. Typically, for for for for life insurance and stuff like that, no. As long as your new cover is in place, you are covered. Now there are sometimes a bit of a clause in place for each insurer, and there's, like, a minimum time frame mainly just in regards to not covering if it's due to suicide and stuff like that. But, otherwise, it's no. As soon as your cover is in place, you are then covered, especially life insurance because it's pretty straightforward. It's not where you have you have through, like, private health insurance where you have waiting periods. It's not like that. Yeah. So we can definitely yeah. So do you still want me to do a recommendation on the trauma cover for you as well similar to last time. Yep. Okay. I'll run run this through. Yeah. Yeah. Alright. Well, I will I will run all of this here for you, do the research, let you know. Now there is one thing I do wanna check with you when it comes to investments as well. I'm not sure if you've read the the latest newsletter that we published, I think, about, like, a week or two ago. Do you read them? Okay. Yeah. May yeah. Maybe have a look at the spam folder if it goes there, but we've recently joined up with BlackRock. Have you ever heard of them? They're they're quite they're one of the largest fund managers. No. You can obviously Google them and stuff. They are really big. So we've recently teamed up with them very, very recently, actually, and created a SMA. Have you ever heard of that before? No. No. I'll try to keep it as as simple as I can because it can get quite technical. But the SMA, it is a self managed account. Now it works a little bit different to how your current portfolio self managed account. That's what it stands for, SMA, self managed account. So how it works, it's a little bit different to how your current portfolio is set up. So you at the moment have what we would say like a model portfolio. So you actually see every single one of those investments in your portfolio. And if I or we wanna go and make a change to it, like, for example, with the who's underperforming a little bit right now, I would have to go and do, obviously, all the research for you. I'll have to present it in a strategy paper. I would have to present it to you. You would have to agree through the change, then I can go and make the change for you. So it's it's, you know, obviously, a lot of paperwork and stuff like that, but you would obviously have full control of the changes. The SMA, how that works is a little bit different in that you would be invested in a portfolio. Now the construction of the investments are the same. You still have multiple different investment options. The philosophy structure the same, but you would be you would just say that you're invested in one portfolio. So what that allows us to do is that we can very quickly swap and change investments that are potentially underperforming or if we foresee a market trends changing, we can very quickly swap and change those for you without having to go through that whole research paper you have to agree and sign before we can make a change because you've agreed to just invest in the portfolio itself. So then us with Benelon can kind of take away that process of the compliance point and make those changes quickly, which some people are quite happy about that because it allows us to do that more active management very quickly. But it would mean that you would have a little bit less oversight over it. Is that something that you are open through, or do you prefer kind of having that full oversight of the changes? I'll quite yeah. No. That's okay. I'm quite happy with it because it means that we can make quick changes, and you don't have to be part of each step. Whereas some other people do want that full oversight and agree through the changes before they happen. What okay. So okay. Yeah. So what I can do then, if it's if it's something that you are open to, obviously, assuming that the returns and fees and everything like that makes it worth it, I can factor that into the research. And then once I have all of that, I can then make a recommendation for you. Like I said, the good thing with the SMA means that we can quickly make changes if something happens to then tryna prevent a bit of, you know, fluctuation or very quickly make that because you don't have to sign a document, go through it before it changes. Yeah. Just just no. And that's also why you have us to help to help you with this. You know? Yeah. Yeah. Okay. Whatever makes you the most money. Yeah. No. That's fair enough. Most people are the same. I will I will include that for you, though. I will show you the difference. And it's also really good because we can also then combine our investment committee and all research with with BlackRock. And, again, by all means, go and research them. They are massive. So it it just means that there's a lot more in-depth of that, and they have a lot of risk mitigation systems and all this fancy technology as well that we get access to, which, again, just kind of strengthens how we build everything for you. I know it's probably a lot, but I will do that research for you as long as, obviously, you're open to that. And then whatever is going to give you the most money at the end of it and put you in a better position, I will recommend, and then you can let me know what your thoughts are. Yeah. Now before I let you go as well, I do wanna just check, is there anything else that's changed in your your life, anything with assets, liabilities, anything else that's changed since we spoke last time? It's all the same otherwise. Yep. Okay. Yeah. That might obviously yeah. Doing kind of, like, the plumbing as well, just your own. Oh, yeah. Yeah. Yeah. Yeah. Yep. Yep. Yeah. Yeah. Just that certainty. Yeah. And can always reassess it. You know, it is part of, you know, the ongoing service, and we always continue to reassess it when things change in your life because, you know, that might change contributions into super. We might wanna change some insurances. You know, there might be other things we we can assist you with in that area. So we can definitely you know, if it is something that you're looking at, you know, down the track and and stuff, we can definitely see if we want to tweak and change anything for you. No. No. That's okay. You're still doing about that forty hours per week employed casual otherwise? Yeah. Yeah. Now I do quickly just because I do go back to the insurers, I wanna make sure I have all the correct information. Now with your health, I have the pre assessment here, so I won't go through the whole thing. Have you had any new illnesses or new medications or anything since, we spoke to you last and did the pre assessment about a year ago? Any new medications or illnesses or anything like that? No. Yep. Okay. Perfect. Now I do have here as well that you had a injury in this I'm gonna I'm not pronouncing this correctly, so apologies. Sacralic joints, kind of where the spine meets the hip about eight or nine years ago. Does that ring a bell? Yeah? Okay. How long do you think? Because it's good. Then mhmm. Oh, three. Sweet. Perfect. I will update that. Perfect. For me, it's actually ten years with my husband in April. So there you go. Yeah. You too. Alright. So ten years. When was the last time you had any, like, symptoms or issues with it? Okay. Perfect. Okay. Perfect. So about ten years ago, it happened, and about nine to ten years was the last time you had any kind of issues or symptoms from it. Yep. Mhmm. Yep. Yeah. Yep. Yeah. Yeah. Yeah. Great. No. Perfect. That's good. I'll update that. Now I do have here as well, obviously, a condition similar to condition. Last time you had any symptoms or experience anything in regards to it was in 2012. Does that roughly sound about right? Yep. Yep. Perfect. And now, obviously, with the knee, it happened, I have here March 2025. Obviously, last time we spoke, it was ongoing. But when was the last time you kind of had any symptoms or issues? Was that around when when was the last time, would you say? Yeah. Yes. Yep. Yeah. Okay. So kind of yeah. Okay. No. So kind of October roughly, and it's obviously not prevent not preventing you to work anymore or anything like that. Just sometimes a little bit of twitches and tingles, did you say? Okay. Okay. So yeah. Okay. Perfect. So about October then 2025 was about last time. Any issues? Yep. Alright. Perfect. And then November, I have here was last time you had physio, which was good. And would you say that the knee is kind of back now to about a 100% recovery? That's perfect. That's good. Sometimes that's often the case. And no medications or anything like that. And let me see here. No. That was that was everything. So what I'll do now is I'll go back to to the insurance. I'll reassess who's going to be the best provider for you. Now the insurance can sometimes take a little bit for me to get that, so it might take a couple of weeks, but I'll try to do it as quickly as I can for you. And I will also reassess those investments and see if we wanna make any of those changes to make sure they're doing the best they can for you, and that we're not doing, obviously, the contribution splitting. Now when Natalie's back at work, just focusing for you your contributions on your super, and then we'll do the same for her. Yeah. Yeah. Yep. Yeah. And I will send, by by tomorrow as well, I will send you that email with the the self managed super fund and the fees with the accountant as well so you have it. And then, obviously, when you have a bit more time, you can have a read through it. If you do have any questions next time we speak, you can always just just bring it up as well. Yep. Perfect. Well, if you don't have any more questions for me today, Xavier, I will let you go. I get home to the family, and I look forward to speaking with you soon again. No problem. We'll speak soon. 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afternoon. Oakview Financial. This is Samantha. Hello? Yeah?\n\nOf course. Yeah. Let me have a look who is giving you a call. Today is the '24. May have been Veronica.\n\nLet me have a look. Okay. Yes. Excellent. It was Veronica giving you a call.\n\nIs now a good time to have that discussion with her? Yeah. Perfect. Yeah. Not a problem.\n\nI'll just go to complete security with you first before I do transfer you through to Veronica. So I'm just going to confirm your date of birth and residential address for security. Yep. Yep. Yep.\n\nPerfect. That's what we've got here, Xavier. I'll transfer you through to Veronica, and she'll be the next person to speak with. Alright. Excellent.\n\nOne moment. Welcome to Hi, Davia. It's Ronnie Kim. Hey. Good.\n\nHow are you? Busy day? Yeah. On your way home now? I still got a few more things to do.\n\nOh, yeah. Perfect. Well, I will try not to keep you obviously too long. I'm sure you wanna get home. But, essentially, had you booked in to kinda get their consolidation and those insurances sorted for you.\n\nDoes that all ring a bell? Yeah. No. I know yeah. And I think then it was kind of like we were kind of waiting on you to have that last physio appointment because then that was, like, kind of the last thing for you with the work cover, and then you were kind of back you're obviously at work full time as well or full duty.\n\nWould that kind of happen? You had your last appointment back in November, was it? Yeah. I have it here around around November or so. Yeah.\n\nYeah. Yeah. And so yep. Yeah. Perfect.\n\nAnd you're kind of at full duties and stuff for, like yeah. Since since October, essentially? Yep. Alright. Perfect.\n\nNow I can go and revisit the insurances for you. I'll have to do a bit of an updated SOA and research just to make sure that, you know, if MetLife is still the best provider for you or if anything has changed. So I'll go back and speak to the insurance and see what they say. Now are you still happy with the amounts and everything that was recommended, or would you like to, you know, refresh all of those, or have anything else changed in regards to any of those goals? No.\n\nThat's okay. Now we were looking at a million dollars for your life and your total permanently disabled, then you can never go back to work again. So we were looking around at a million dollars worth of cover for that. Are you still happy with, you know, those amounts for Yep. Yep.\n\nOkay. Now we also had an income protection, and that is to cover you for a loss of income if you were temporarily unable to work. Now this one here is an in income replacement, and it can cover you for up to 70% of your income. So we were looking at a 70% of a 150,000. Is that still your income, or has that changed?\n\nOkay. Yep. Okay. Because when we do look at our income protection, not always. Sometimes they'll ask for a pay slip to confirm it, the amount, like how much you're earning.\n\nSo if that varies a lot, they could say, oh, well, that's too much. You're not actually earning that much. But on the other side as well that if I let's say I do $1.70 and you actually only earn a 150, come claim time, so if you need to go on claim, they will only cover you for 70% of your income at the time of claim. So if at the time you only earn a 150, they'll only cover you for that even though you're technically paying for up to a 170. But at the same time, if you do earn a 170, then, obviously, we wanna make sure we cover as much as we can.\n\nSo, obviously, as is financially something were to happen. So if you if you think that your income is a 170, then I can change it, or if you think 150. Yes. So, yeah, you definitely can. The only thing is by increasing cover, the insurance will be like, well, we are taking on more risk.\n\nYou definitely can. You would just have to go through, like, the whole application process again because they are taking on more risk. So they will need to do an assessment again. Mhmm. I I'll have to run the numbers for you.\n\nIt's probably not a great deal, to be fair. I'll have to run the numbers too short. I could put it in in the research for you. But if you if you think that it's more around the $1.70, I would say it's always better to do a little bit more because if you want to then decrease it, it's really easy. It's just a quick form to say, yep.\n\nCool. It's decreased because the insurers are like, well, we are taking a less risk. We're happy to. It's harder to do the other way. Okay.\n\n$1.70. Perfect. Now we were looking at about a thirty day waiting period. So, obviously, until that payment would kick in if something were to happen, and then a benefit period of five years. So somewhere in the middle, that if you need to be on claim, it would then last for five years.\n\nAre you still kind of happy with with that thirty and five years? Yep. Okay. Mhmm. So this can be any illness or injury.\n\nThat means that you cannot go back to work. So it does definitely doesn't have to happen at work or anything like that. It can happen at home. It can be on holiday. You could be snowboarding or whatever whatever it might be or get an illness.\n\nIf you get diagnosed with an illness or injury, irrespective of where it happens, and you cannot go back to work, then that's when, you'll be covered. Oh, work cover? Work cover? Yes. Mhmm.\n\nYes. No. Correct. 100%. That is correct.\n\nThat is that's the the tricky point that if you if something happen at work and you're on work cover and your work cover pays more than 70 percent of your income, the income protection will not be paid out. Yeah. So that would mean that your income wouldn't cover I have seen sometimes with work cover, they can cover, like, partials or stuff like that. So if, for example, you're on work cover and work cover would cover 70% sorry, 50% of your income, then there are instances where you can have a top up of an income protection. But most of the time, like you said, it's around 80 or 85%, sometimes even 90% of your income, which is more than the income protection.\n\nSo the income protection will not be paid. Yeah. Yeah. 70% is the max you can have, unfortunately. And it is definitely like that.\n\nA lot of clients are like, well, you know, we are struggling with 70. From an income protection point view, that is the most you can have. Sometimes depending on what the reasons are, you can sometimes use trauma as a bit of a buffer. Now we I did make a recommendation on trauma last time, and, again, it is different function. But trauma is a different policy that you don't have to prove that you get you know, can return to work or anything like that.\n\nIf you get a diagnosis that's eligible, you will get a lump sum payment. You don't have to prove that you can't go back to work or anything like that. But let's say you you get that traumatic event happening to you, you get a lump sum. We were looking at about a 150,000 last time. Sometimes people will then use that 150 to top up the the loss of income because it only covers that 70% if you are eligible for it.\n\nDoes that make sense? Yeah. Are you still wanting an income protection, or what are your thoughts? Okay. Yeah.\n\nExactly. Exactly. And if you if you can afford it, obviously, in superannuation as well, we'll obviously do. I'll do some updated research on your super and investments as well just to see everything's, you know, doing the way it should be or if you need to make any changes. And I also factor in, obviously, the cost of the insurances and that it doesn't eat away at all your contributions going in.\n\nBecause at the same time, we obviously want your superannuation to continue to to to grow. Yeah. So I'll if you're happy to, I'll do the numbers anyway. I'll run through it with with you once I've had back from all the insurers. You have the cost then, and then you can let me know what your thoughts are.\n\nYep. And yeah. Yes. The spousal contribution. Yes.\n\nYep. Mhmm. Yeah. Yeah. I'm sorry.\n\nLet me see if I can go into your account right now. Now I will do, update research on everything as well as in-depth for you, as part of the the research there when I do look at insurances to see. And like you said as well, things have definitely there's a lot happening in in the world and in the market that has caused fluctuations. Some of it is cyclical. Let me have a look here.\n\nSo I'll try to log in for you and and see. But, obviously, because Natalie is working and it you obviously want the contributions to go to your fund, that's perfectly fine. I might send her an email. We'll tryna get her booked in for a different catch up to reassess things for her as well now when she is working and getting contributions because that obviously would change a little bit for her. But let's see if I can have a look here.\n\nSo at the moment, your super balance is at 167,075. Now let me see here. When I have a look at your investments, most of them have been doing pretty okay, but there is one that recently have underperformed, which is why I do really wanna research your investments and look to change that one. Now that is your Benelong Australian equity. So that one was added to your portfolio because it is that kind of that active management side of it, and it's designed to China.\n\nThey are kind of actively buying and selling investments. They're trying to outperform the market, and that forms part of that kind of high growth portfolio for you. Historically, they have done really, really well, but more recently, they've kind of underperformed a little bit. But the biggest reason why is that one of their investments, so not them per se, but one of their investments that they had in their portfolio was Corporate Travel Group. They had a bit of issues with their reporting, which caused their their prices to fall.\n\nSo if that one isn't going to be the best for you moving forward, we do wanna look at changing that through something else. Similar function, but it's doing a little bit better for you. And the good thing with twenty four is that there's hundreds of different options for us to choose from, so we can very easily make that change. So making sure that at all points in time, we do have you in the best option. That was probably a lot of information for you.\n\nI will put everything in the research paper with the insurances for you. So once I kind of deep dive a little bit more into the investments, but definitely, especially that investment, I will put together the recommendations. I will run through that with you and see what your thoughts are. Yes. Yes.\n\nAnd that is because of the insurances. So we left that open while we were going through the insurance process to get that sorted with MetLife because you do have a bit of insurances in there. And in that interim, I would not want to leave you uninsured. So as soon as we have the insurances sorted for you, we can then roll that over. I'll do the research, but I if, obviously, appropriate, then we can roll that over and get it all Yeah.\n\nLet me see how much was rolled in. Bear with me. Capital ports. Let me just have a look here for you. Now while I wait for that to load, I do wanna quickly especially with doing the investments actually, I can see here $161.01 at $474.95.\n\nSo then here is this. So it's it's still gone up since then even though we've had especially the last twelve months has probably been the most fluctuation with everything going on. And, obviously, you still have the the bus queue as well. So yes. Especially on your growth investments.\n\nNow, obviously, being in that high growth portfolio as well, long term, we do see, you know, those those higher returns. Short term, depending on when it is, we see bit of fluctuation. Now typically speaking as well in a high growth portfolio, and that's also why the time frame comes into play a lot by making sure you have enough time in the market for the fluctuations. Because typically in a high growth portfolio, we typically see the likelihood of a negative return about one in five years. So, obviously, this this last twelve months have been a bit more turbulent with everything going on, especially the, suspense on the corporate travel group in Bennelong.\n\nIt's not obviously out of the norm for the market to behave this way as well that sometimes during the period, there will be ups and downs as long as the the foundation of the investments and everything is very diversified and is very solid for you. Mhmm. Yep. Yeah. It's like a self managed super fund.\n\nYeah. That's what ASIC says. So ASIC say that in order to kinda make it worth it from a fee point of view, because there's obviously a lot more compliance and legislation in regards to your self managed super fund, they suggest a minimum of $2.50 to go down that way. Obviously, if you have property and stuff like that, you obviously need to make sure you have enough to facilitate it. Some industry experts have that around the 500 mark.\n\nSo it's quite different, but ASIC says that the minimum of $2.50, they suggest, to make it work. That's a as a guideline from a cost point of view. Some clients, it will work really well for. Otherwise, other clients, not great. So self management are great from an investment point of view for some people.\n\nDefinitely not for everyone, especially because how it's designed, it's for you to self manage. So you would be the trustee. You would have the responsibility of managing everything and making sure it stays compliant. You would then have an annual tax return and order done on the self managed super fund by an accountant. Obviously, if you have a a property side of it, which is most of the time where people do go down the self managed super side side of it, if you have a loan through it, you would have a different self super funds or rental income and stuff like that with contributions, and then obviously expenses and everything like that.\n\nThe mortgage payment would come out. So it is a bit more complex in that way. Where we would come into play is if you would want a investment portfolio alongside the property. So if you want that along with the property, then we can manage that side. Otherwise, the self managed super fund is something that you would predominantly manage yourself, and then obviously have the accountant from all the auditing and compliance and documentation point of view.\n\nTechnically, you technically, you probably could deal with anything. It's more for making it making it worse from a fee. So if you have a 150,000, you could set it up. But then if you have you know? I'll see here if I can find what the accountants typically charge from it to get it set up.\n\nIt only depends on which account firm you use and everything like that. The the thing to be more careful for is just the fee. And would you guys would you be just you, or would you guys be combining your superannuation? Yeah. Well, what what I can do, sir, obviously, make it easy, sorry, I don't keep you too long, is I will send you an email.\n\nI'll include the the pricing as well of what the minute super fund, and I can also send you that link to ASIC, where they do talk about it. That's just what they suggest as a minimum to make it worthwhile the fees. But you can technically set it up with less. I wouldn't recommend doing it with less because of the fee. But if you tell me, hey.\n\nThis is what I wanna do, and I know someone that can do it for me. That's what I want. There's obviously no obligation. But we obviously do have to follow all that best interest duty, making sure that everything we do recommend for you is going to put you in a better position and be the best for you. And from all the research I've done with the self managed super fund, if we have a super balance of around 150, the fees are quite quite large.\n\nAnd if I then kind of project based on what the returns on the investments can do over the long term versus, obviously, the the property increase, it it tend not to outperform. Obviously, you never know obviously, if you get a really good niche property, that can do really, really well. You can also maybe not get so much growth, some investments as well. So there's obviously risks with both. But then you obviously have to think about liquidation and everything like that as well with property.\n\nWhy do the fees go up because you have less money? The the the fees tend to stay the same, but then if you do it based on the percentage of the balance that you have, you'll obviously get left with a lot less. So let's say if it costs $10,000, if you have a $150,150,000 in there, then if you do a percentage of the 10,000 of that, it's obviously a lot more. But then compounding will grow than if you have more money in there. So yeah.\n\nAnd that will be the mortgage because then you have the auditing fees. You have the compliance fees. Just to that's just admin administration side on top of it. If you then have an investment portfolio, you might have adviser fees on top of that. You have the platform fees where things are being held, like the cash accounts and stuff like that with the self managed super funds.\n\nBut what I can yeah. Yeah. No. No. By by all means, I will send email.\n\nIt probably won't be today, but I will try to send it by end of business day tomorrow, some information for you. And I will send you just some general accounting fee as well so that you know what those kind of auditing fees and stuff like that is that I'm that I'm talking about. So mhmm. Mhmm. Yep.\n\nYeah. Yeah. Yeah. No. Typically, for for for for life insurance and stuff like that, no.\n\nAs long as your new cover is in place, you are covered. Now there are sometimes a bit of a clause in place for each insurer, and there's, like, a minimum time frame mainly just in regards to not covering if it's due to suicide and stuff like that. But, otherwise, it's no. As soon as your cover is in place, you are then covered, especially life insurance because it's pretty straightforward. It's not where you have you have through, like, private health insurance where you have waiting periods.\n\nIt's not like that. Yeah. So we can definitely yeah. So do you still want me to do a recommendation on the trauma cover for you as well similar to last time. Yep.\n\nOkay. I'll run run this through. Yeah. Yeah. Alright.\n\nWell, I will I will run all of this here for you, do the research, let you know. Now there is one thing I do wanna check with you when it comes to investments as well. I'm not sure if you've read the the latest newsletter that we published, I think, about, like, a week or two ago. Do you read them? Okay.\n\nYeah. May yeah. Maybe have a look at the spam folder if it goes there, but we've recently joined up with BlackRock. Have you ever heard of them? They're they're quite they're one of the largest fund managers.\n\nNo. You can obviously Google them and stuff. They are really big. So we've recently teamed up with them very, very recently, actually, and created a SMA. Have you ever heard of that before?\n\nNo. No. I'll try to keep it as as simple as I can because it can get quite technical. But the SMA, it is a self managed account. Now it works a little bit different to how your current portfolio self managed account.\n\nThat's what it stands for, SMA, self managed account. So how it works, it's a little bit different to how your current portfolio is set up. So you at the moment have what we would say like a model portfolio. So you actually see every single one of those investments in your portfolio. And if I or we wanna go and make a change to it, like, for example, with the who's underperforming a little bit right now, I would have to go and do, obviously, all the research for you.\n\nI'll have to present it in a strategy paper. I would have to present it to you. You would have to agree through the change, then I can go and make the change for you. So it's it's, you know, obviously, a lot of paperwork and stuff like that, but you would obviously have full control of the changes. The SMA, how that works is a little bit different in that you would be invested in a portfolio.\n\nNow the construction of the investments are the same. You still have multiple different investment options. The philosophy structure the same, but you would be you would just say that you're invested in one portfolio. So what that allows us to do is that we can very quickly swap and change investments that are potentially underperforming or if we foresee a market trends changing, we can very quickly swap and change those for you without having to go through that whole research paper you have to agree and sign before we can make a change because you've agreed to just invest in the portfolio itself. So then us with Benelon can kind of take away that process of the compliance point and make those changes quickly, which some people are quite happy about that because it allows us to do that more active management very quickly.\n\nBut it would mean that you would have a little bit less oversight over it. Is that something that you are open through, or do you prefer kind of having that full oversight of the changes? I'll quite yeah. No. That's okay.\n\nI'm quite happy with it because it means that we can make quick changes, and you don't have to be part of each step. Whereas some other people do want that full oversight and agree through the changes before they happen. What okay. So okay. Yeah.\n\nSo what I can do then, if it's if it's something that you are open to, obviously, assuming that the returns and fees and everything like that makes it worth it, I can factor that into the research. And then once I have all of that, I can then make a recommendation for you. Like I said, the good thing with the SMA means that we can quickly make changes if something happens to then tryna prevent a bit of, you know, fluctuation or very quickly make that because you don't have to sign a document, go through it before it changes. Yeah. Just just no.\n\nAnd that's also why you have us to help to help you with this. You know? Yeah. Yeah. Okay.\n\nWhatever makes you the most money. Yeah. No. That's fair enough. Most people are the same.\n\nI will I will include that for you, though. I will show you the difference. And it's also really good because we can also then combine our investment committee and all research with with BlackRock. And, again, by all means, go and research them. They are massive.\n\nSo it it just means that there's a lot more in-depth of that, and they have a lot of risk mitigation systems and all this fancy technology as well that we get access to, which, again, just kind of strengthens how we build everything for you. I know it's probably a lot, but I will do that research for you as long as, obviously, you're open to that. And then whatever is going to give you the most money at the end of it and put you in a better position, I will recommend, and then you can let me know what your thoughts are. Yeah. Now before I let you go as well, I do wanna just check, is there anything else that's changed in your your life, anything with assets, liabilities, anything else that's changed since we spoke last time?\n\nIt's all the same otherwise. Yep. Okay. Yeah. That might obviously yeah.\n\nDoing kind of, like, the plumbing as well, just your own. Oh, yeah. Yeah. Yeah. Yeah.\n\nYep. Yep. Yeah. Yeah. Just that certainty.\n\nYeah. And can always reassess it. You know, it is part of, you know, the ongoing service, and we always continue to reassess it when things change in your life because, you know, that might change contributions into super. We might wanna change some insurances. You know, there might be other things we we can assist you with in that area.\n\nSo we can definitely you know, if it is something that you're looking at, you know, down the track and and stuff, we can definitely see if we want to tweak and change anything for you. No. No. That's okay. You're still doing about that forty hours per week employed casual otherwise?\n\nYeah. Yeah. Now I do quickly just because I do go back to the insurers, I wanna make sure I have all the correct information. Now with your health, I have the pre assessment here, so I won't go through the whole thing. Have you had any new illnesses or new medications or anything since, we spoke to you last and did the pre assessment about a year ago?\n\nAny new medications or illnesses or anything like that? No. Yep. Okay. Perfect.\n\nNow I do have here as well that you had a injury in this I'm gonna I'm not pronouncing this correctly, so apologies. Sacralic joints, kind of where the spine meets the hip about eight or nine years ago. Does that ring a bell? Yeah? Okay.\n\nHow long do you think? Because it's good. Then mhmm. Oh, three. Sweet.\n\nPerfect. I will update that. Perfect. For me, it's actually ten years with my husband in April. So there you go.\n\nYeah. You too. Alright. So ten years. When was the last time you had any, like, symptoms or issues with it?\n\nOkay. Perfect. Okay. Perfect. So about ten years ago, it happened, and about nine to ten years was the last time you had any kind of issues or symptoms from it.\n\nYep. Mhmm. Yep. Yeah. Yep.\n\nYeah. Yeah. Yeah. Great. No.\n\nPerfect. That's good. I'll update that. Now I do have here as well, obviously, a condition similar to condition. Last time you had any symptoms or experience anything in regards to it was in 2012.\n\nDoes that roughly sound about right? Yep. Yep. Perfect. And now, obviously, with the knee, it happened, I have here March 2025.\n\nObviously, last time we spoke, it was ongoing. But when was the last time you kind of had any symptoms or issues? Was that around when when was the last time, would you say? Yeah. Yes.\n\nYep. Yeah. Okay. So kind of yeah. Okay.\n\nNo. So kind of October roughly, and it's obviously not prevent not preventing you to work anymore or anything like that. Just sometimes a little bit of twitches and tingles, did you say? Okay. Okay.\n\nSo yeah. Okay. Perfect. So about October then 2025 was about last time. Any issues?\n\nYep. Alright. Perfect. And then November, I have here was last time you had physio, which was good. And would you say that the knee is kind of back now to about a 100% recovery?\n\nThat's perfect. That's good. Sometimes that's often the case. And no medications or anything like that. And let me see here.\n\nNo. That was that was everything. So what I'll do now is I'll go back to to the insurance. I'll reassess who's going to be the best provider for you. Now the insurance can sometimes take a little bit for me to get that, so it might take a couple of weeks, but I'll try to do it as quickly as I can for you.\n\nAnd I will also reassess those investments and see if we wanna make any of those changes to make sure they're doing the best they can for you, and that we're not doing, obviously, the contribution splitting. Now when Natalie's back at work, just focusing for you your contributions on your super, and then we'll do the same for her. Yeah. Yeah. Yep.\n\nYeah. And I will send, by by tomorrow as well, I will send you that email with the the self managed super fund and the fees with the accountant as well so you have it. And then, obviously, when you have a bit more time, you can have a read through it. If you do have any questions next time we speak, you can always just just bring it up as well. Yep.\n\nPerfect. Well, if you don't have any more questions for me today, Xavier, I will let you go. I get home to the family, and I look forward to speaking with you soon again. No problem. We'll speak soon.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":1.12,"end":1.8399999,"sentiment":"positive","sentiment_score":0.359859362244606},{"text":"Oakview Financial.","start":1.8399999,"end":2.8,"sentiment":"neutral","sentiment_score":0.1934492290019989},{"text":"This is Samantha.","start":2.8,"end":3.6999998,"sentiment":"neutral","sentiment_score":0.10268155485391617},{"text":"Hello?","start":8.639999,"end":9.139999,"sentiment":"neutral","sentiment_score":0.008116977289319038},{"text":"Yeah?","start":17.665,"end":18.165,"sentiment":"neutral","sentiment_score":-0.03928370028734207}],"sentiment":"neutral","sentiment_score":0.1537216804507706,"num_words":9,"start":1.12,"end":18.165},{"sentences":[{"text":"Of course.","start":20.225,"end":20.885,"sentiment":"neutral","sentiment_score":-0.05877354554831982},{"text":"Yeah.","start":21.665,"end":21.985,"sentiment":"neutral","sentiment_score":-0.016374245285987854},{"text":"Let me have a look who is giving you a call.","start":21.985,"end":24.325,"sentiment":"neutral","sentiment_score":-0.010057859715412964},{"text":"Today is the '24.","start":31.759998,"end":35.46,"sentiment":"neutral","sentiment_score":0.0000845846370793879},{"text":"May have been Veronica.","start":35.68,"end":36.98,"sentiment":"neutral","sentiment_score":-0.0027474507223814726}],"sentiment":"neutral","sentiment_score":-0.011600420799699019,"num_words":22,"start":20.225,"end":36.98},{"sentences":[{"text":"Let me have a look.","start":37.04,"end":38.325,"sentiment":"neutral","sentiment_score":-0.006039988808333873},{"text":"Okay.","start":41.205,"end":41.685,"sentiment":"neutral","sentiment_score":0.036858417093753815},{"text":"Yes.","start":41.685,"end":42.085,"sentiment":"neutral","sentiment_score":0.1278429627418518},{"text":"Excellent.","start":42.085,"end":42.485,"sentiment":"positive","sentiment_score":0.4730934202671051},{"text":"It was Veronica giving you a call.","start":42.485,"end":44.505,"sentiment":"positive","sentiment_score":0.3493588311331613}],"sentiment":"neutral","sentiment_score":0.203540444932878,"num_words":15,"start":37.04,"end":44.505},{"sentences":[{"text":"Is now a good time to have that discussion with her?","start":44.645,"end":48.805,"sentiment":"positive","sentiment_score":0.39316049082712695},{"text":"Yeah.","start":48.805,"end":49.125,"sentiment":"neutral","sentiment_score":0.09482405334711076},{"text":"Perfect.","start":49.125,"end":49.625,"sentiment":"positive","sentiment_score":0.3428429663181305},{"text":"Yeah.","start":50.085,"end":50.405,"sentiment":"neutral","sentiment_score":0.15612462162971497},{"text":"Not a problem.","start":50.405,"end":51.045,"sentiment":"neutral","sentiment_score":0.25817612806955975}],"sentiment":"positive","sentiment_score":0.33488737791776657,"num_words":17,"start":44.645,"end":51.045},{"sentences":[{"text":"I'll just go to complete security with you first before I do transfer you through to Veronica.","start":51.045,"end":56.489998,"sentiment":"neutral","sentiment_score":0.1802864960011314},{"text":"So I'm just going to confirm your date of birth and residential address for security.","start":56.55,"end":61.289997,"sentiment":"neutral","sentiment_score":0.11985874672730763},{"text":"Yep.","start":65.99,"end":66.435,"sentiment":"neutral","sentiment_score":0.045664336532354355},{"text":"Yep.","start":74.195,"end":74.695,"sentiment":"neutral","sentiment_score":0.042024385184049606},{"text":"Yep.","start":75.075,"end":75.575,"sentiment":"neutral","sentiment_score":0.13713732361793518}],"sentiment":"neutral","sentiment_score":0.14535936223609106,"num_words":35,"start":51.045,"end":75.575},{"sentences":[{"text":"Perfect.","start":75.634995,"end":76.034996,"sentiment":"positive","sentiment_score":0.488589882850647},{"text":"That's what we've got here, Xavier.","start":76.034996,"end":77.155,"sentiment":"positive","sentiment_score":0.34710511068503064},{"text":"I'll transfer you through to Veronica, and she'll be the next person to speak with.","start":77.155,"end":80.13,"sentiment":"neutral","sentiment_score":0.18083253800868987},{"text":"Alright.","start":81.409996,"end":81.89,"sentiment":"neutral","sentiment_score":0.26942673325538635},{"text":"Excellent.","start":81.89,"end":82.28999,"sentiment":"positive","sentiment_score":0.4811379313468933}],"sentiment":"neutral","sentiment_score":0.2514280534038941,"num_words":24,"start":75.634995,"end":82.28999},{"sentences":[{"text":"One moment.","start":82.28999,"end":83.03,"sentiment":"neutral","sentiment_score":0.3206144869327545},{"text":"Welcome to Hi, Davia.","start":89.009995,"end":91.909996,"sentiment":"positive","sentiment_score":0.3405168056488037},{"text":"It's Ronnie Kim.","start":91.97,"end":95.095,"sentiment":"neutral","sentiment_score":0.18822121620178223},{"text":"Hey.","start":95.095,"end":95.335,"sentiment":"neutral","sentiment_score":0.2353183627128601},{"text":"Good.","start":95.335,"end":95.655,"sentiment":"positive","sentiment_score":0.38895541429519653}],"sentiment":"neutral","sentiment_score":0.29020305655219336,"num_words":11,"start":82.28999,"end":95.655},{"sentences":[{"text":"How are you?","start":95.655,"end":96.395,"sentiment":"neutral","sentiment_score":0.29576143622398376},{"text":"Busy day?","start":98.295,"end":99.115,"sentiment":"neutral","sentiment_score":0.16157126426696777},{"text":"Yeah.","start":103.494995,"end":103.814995,"sentiment":"neutral","sentiment_score":0.0024231988936662674},{"text":"On your way home now?","start":103.814995,"end":105.415,"sentiment":"neutral","sentiment_score":0.02172986455261707},{"text":"I still got a few more things to do.","start":105.415,"end":107.39001,"sentiment":"neutral","sentiment_score":-0.05757937000857459}],"sentiment":"neutral","sentiment_score":0.04016425143927336,"num_words":20,"start":95.655,"end":107.39001},{"sentences":[{"text":"Oh, yeah.","start":110.73,"end":111.450005,"sentiment":"neutral","sentiment_score":0.10486843436956406},{"text":"Perfect.","start":111.450005,"end":111.950005,"sentiment":"neutral","sentiment_score":0.30730360746383667},{"text":"Well, I will try not to keep you obviously too long.","start":112.97,"end":115.87,"sentiment":"neutral","sentiment_score":-0.023970904675397007},{"text":"I'm sure you wanna get home.","start":115.93,"end":117.630005,"sentiment":"neutral","sentiment_score":0.023987928715844948},{"text":"But, essentially, had you booked in to kinda get their consolidation and those insurances sorted for you.","start":118.41,"end":125.23499,"sentiment":"neutral","sentiment_score":0.04987864459262175}],"sentiment":"neutral","sentiment_score":0.03365473122008749,"num_words":37,"start":110.73,"end":125.23499},{"sentences":[{"text":"Does that all ring a bell?","start":126.41499,"end":127.795,"sentiment":"neutral","sentiment_score":-0.00015632652988036531},{"text":"Yeah.","start":130.175,"end":130.675,"sentiment":"neutral","sentiment_score":-0.019082460552453995},{"text":"No.","start":131.375,"end":131.61499,"sentiment":"neutral","sentiment_score":-0.11963044106960297},{"text":"I know yeah.","start":131.61499,"end":135.235,"sentiment":"neutral","sentiment_score":-0.08727869391441345},{"text":"And I think then it was kind of like we were kind of waiting on you to have that last physio appointment because then that was, like, kind of the last thing for you with the work cover, and then you were kind of back you're obviously at work full time as well or full duty.","start":135.295,"end":150.73,"sentiment":"neutral","sentiment_score":-0.04577852785587311}],"sentiment":"neutral","sentiment_score":-0.04425499257423095,"num_words":67,"start":126.41499,"end":150.73},{"sentences":[{"text":"Would that kind of happen?","start":151.75,"end":153.07501,"sentiment":"neutral","sentiment_score":-0.0263425774872303},{"text":"You had your last appointment back in November, was it?","start":153.07501,"end":156.375,"sentiment":"neutral","sentiment_score":-0.004473392013460397},{"text":"Yeah.","start":162.035,"end":162.435,"sentiment":"neutral","sentiment_score":-0.006567244417965412},{"text":"I have it here around around November or so.","start":162.435,"end":165.42,"sentiment":"neutral","sentiment_score":-0.0054267872538831495},{"text":"Yeah.","start":167.26,"end":167.5,"sentiment":"neutral","sentiment_score":0.011756529100239275}],"sentiment":"neutral","sentiment_score":-0.00846533108359346,"num_words":26,"start":151.75,"end":167.5},{"sentences":[{"text":"Yeah.","start":167.5,"end":168.0,"sentiment":"neutral","sentiment_score":0.01600492000579834},{"text":"Yeah.","start":168.62,"end":169.12,"sentiment":"neutral","sentiment_score":0.03081446513533592},{"text":"And so yep.","start":169.18,"end":170.88,"sentiment":"neutral","sentiment_score":0.029818241174022358},{"text":"Yeah.","start":177.5,"end":177.81999,"sentiment":"neutral","sentiment_score":0.292747437953949},{"text":"Perfect.","start":177.81999,"end":178.305,"sentiment":"positive","sentiment_score":0.4499455690383911}],"sentiment":"neutral","sentiment_score":0.12556673080793448,"num_words":7,"start":167.5,"end":178.305},{"sentences":[{"text":"And you're kind of at full duties and stuff for, like yeah.","start":178.385,"end":182.70499,"sentiment":"neutral","sentiment_score":0.09816073346883059},{"text":"Since since October, essentially?","start":182.70499,"end":184.48499,"sentiment":"neutral","sentiment_score":0.010918734595179558},{"text":"Yep.","start":186.465,"end":186.965,"sentiment":"neutral","sentiment_score":0.09456105530261992},{"text":"Alright.","start":187.105,"end":187.605,"sentiment":"neutral","sentiment_score":0.24759356677532196},{"text":"Perfect.","start":187.665,"end":188.165,"sentiment":"positive","sentiment_score":0.383468896150589}],"sentiment":"neutral","sentiment_score":0.10248564517027453,"num_words":19,"start":178.385,"end":188.165},{"sentences":[{"text":"Now I can go and revisit the insurances for you.","start":189.42499,"end":192.70999,"sentiment":"neutral","sentiment_score":0.12104317843914032},{"text":"I'll have to do a bit of an updated SOA and research just to make sure that, you know, if MetLife is still the best provider for you or if anything has changed.","start":192.70999,"end":202.65,"sentiment":"neutral","sentiment_score":0.04571999270807613},{"text":"So I'll go back and speak to the insurance and see what they say.","start":203.19,"end":207.53499,"sentiment":"neutral","sentiment_score":0.009529020570750748},{"text":"Now are you still happy with the amounts and everything that was recommended, or would you like to, you know, refresh all of those, or have anything else changed in regards to any of those goals?","start":209.595,"end":224.66,"sentiment":"neutral","sentiment_score":0.04386475195901261},{"text":"No.","start":225.2,"end":225.7,"sentiment":"neutral","sentiment_score":-0.17090684175491333}],"sentiment":"neutral","sentiment_score":0.045327894260829435,"num_words":94,"start":189.42499,"end":225.7},{"sentences":[{"text":"That's okay.","start":226.4,"end":227.37999,"sentiment":"neutral","sentiment_score":-0.04535874165594578},{"text":"Now we were looking at a million dollars for your life and your total permanently disabled, then you can never go back to work again.","start":227.84,"end":244.925,"sentiment":"neutral","sentiment_score":-0.11919491559267044},{"text":"So we were looking around at a million dollars worth of cover for that.","start":245.705,"end":251.62001,"sentiment":"neutral","sentiment_score":-0.048899304920009205},{"text":"Are you still happy with, you know, those amounts for Yep.","start":251.68001,"end":257.22,"sentiment":"neutral","sentiment_score":0.06053066727789966},{"text":"Yep.","start":257.36002,"end":257.84,"sentiment":"neutral","sentiment_score":0.05224323272705078}],"sentiment":"neutral","sentiment_score":-0.05730377489103461,"num_words":53,"start":226.4,"end":257.84},{"sentences":[{"text":"Okay.","start":257.84,"end":258.34,"sentiment":"neutral","sentiment_score":0.06495026499032974},{"text":"Now we also had an income protection, and that is to cover you for a loss of income if you were temporarily unable to work.","start":258.72,"end":267.04498,"sentiment":"neutral","sentiment_score":0.01496833935379982},{"text":"Now this one here is an in income replacement, and it can cover you for up to 70% of your income.","start":267.425,"end":274.965,"sentiment":"neutral","sentiment_score":0.0976644584110805},{"text":"So we were looking at a 70% of a 150,000.","start":275.665,"end":282.4,"sentiment":"neutral","sentiment_score":0.030800781585276125},{"text":"Is that still your income, or has that changed?","start":282.86,"end":285.28,"sentiment":"neutral","sentiment_score":0.014382619617713822}],"sentiment":"neutral","sentiment_score":0.04435702678606366,"num_words":66,"start":257.84,"end":285.28},{"sentences":[{"text":"Okay.","start":298.635,"end":299.135,"sentiment":"neutral","sentiment_score":0.14381501078605652},{"text":"Yep.","start":306.84,"end":307.34,"sentiment":"neutral","sentiment_score":0.3195798993110657},{"text":"Okay.","start":309.08,"end":309.58,"sentiment":"neutral","sentiment_score":0.13530878722667694},{"text":"Because when we do look at our income protection, not always.","start":309.8,"end":315.66,"sentiment":"neutral","sentiment_score":0.053132285279306496},{"text":"Sometimes they'll ask for a pay slip to confirm it, the amount, like how much you're earning.","start":315.72,"end":321.785,"sentiment":"neutral","sentiment_score":0.013636789668132277}],"sentiment":"neutral","sentiment_score":0.04564465354046514,"num_words":31,"start":298.635,"end":321.785},{"sentences":[{"text":"So if that varies a lot, they could say, oh, well, that's too much.","start":322.325,"end":326.805,"sentiment":"neutral","sentiment_score":-0.27610515483788084},{"text":"You're not actually earning that much.","start":326.805,"end":328.505,"sentiment":"neutral","sentiment_score":-0.3234053701162338},{"text":"But on the other side as well that if I let's say I do $1.70 and you actually only earn a 150, come claim time, so if you need to go on claim, they will only cover you for 70% of your income at the time of claim.","start":329.205,"end":344.88,"sentiment":"neutral","sentiment_score":-0.035561387737592064},{"text":"So if at the time you only earn a 150, they'll only cover you for that even though you're technically paying for up to a 170.","start":345.26,"end":353.095,"sentiment":"neutral","sentiment_score":-0.042734043242839664},{"text":"But at the same time, if you do earn a 170, then, obviously, we wanna make sure we cover as much as we can.","start":353.715,"end":362.85498,"sentiment":"neutral","sentiment_score":0.010141506713504592}],"sentiment":"neutral","sentiment_score":-0.07102152511035487,"num_words":118,"start":322.325,"end":362.85498},{"sentences":[{"text":"So, obviously, as is financially something were to happen.","start":363.07498,"end":365.73,"sentiment":"neutral","sentiment_score":-0.03580578706330723},{"text":"So if you if you think that your income is a 170, then I can change it, or if you think 150.","start":366.03003,"end":375.17,"sentiment":"neutral","sentiment_score":0.028747862204909325},{"text":"Yes.","start":384.845,"end":385.245,"sentiment":"neutral","sentiment_score":0.06049378216266632},{"text":"So, yeah, you definitely can.","start":385.245,"end":387.45,"sentiment":"neutral","sentiment_score":0.17660941779613495},{"text":"The only thing is by increasing cover, the insurance will be like, well, we are taking on more risk.","start":388.01,"end":393.13,"sentiment":"neutral","sentiment_score":-0.25700327048176214}],"sentiment":"neutral","sentiment_score":-0.06480929255485535,"num_words":56,"start":363.07498,"end":393.13},{"sentences":[{"text":"You definitely can.","start":393.13,"end":394.27002,"sentiment":"neutral","sentiment_score":-0.08391522367795308},{"text":"You would just have to go through, like, the whole application process again because they are taking on more risk.","start":394.33002,"end":401.37003,"sentiment":"neutral","sentiment_score":-0.18133759126067162},{"text":"So they will need to do an assessment again.","start":401.37003,"end":403.395,"sentiment":"neutral","sentiment_score":-0.07134026475250721},{"text":"Mhmm.","start":405.715,"end":406.215,"sentiment":"neutral","sentiment_score":-0.08391405642032623},{"text":"I I'll have to run the numbers for you.","start":412.115,"end":415.01498,"sentiment":"neutral","sentiment_score":-0.006489551212224696}],"sentiment":"neutral","sentiment_score":-0.11102094991310012,"num_words":42,"start":393.13,"end":415.01498},{"sentences":[{"text":"It's probably not a great deal, to be fair.","start":416.835,"end":420.9,"sentiment":"neutral","sentiment_score":-0.1587717036406199},{"text":"I'll have to run the numbers too short.","start":420.96,"end":423.03998,"sentiment":"neutral","sentiment_score":-0.055541413836181164},{"text":"I could put it in in the research for you.","start":423.03998,"end":425.12,"sentiment":"neutral","sentiment_score":0.02603529840707779},{"text":"But if you if you think that it's more around the $1.70, I would say it's always better to do a little bit more because if you want to then decrease it, it's really easy.","start":425.12,"end":436.02502,"sentiment":"neutral","sentiment_score":0.08642261541847672},{"text":"It's just a quick form to say, yep.","start":436.02502,"end":437.86502,"sentiment":"neutral","sentiment_score":0.20988218486309052}],"sentiment":"neutral","sentiment_score":0.044156076559530834,"num_words":70,"start":416.835,"end":437.86502},{"sentences":[{"text":"Cool.","start":437.86502,"end":438.345,"sentiment":"positive","sentiment_score":0.41316652297973633},{"text":"It's decreased because the insurers are like, well, we are taking a less risk.","start":438.345,"end":441.86502,"sentiment":"neutral","sentiment_score":0.21897324653608458},{"text":"We're happy to.","start":441.86502,"end":442.765,"sentiment":"neutral","sentiment_score":0.28935447335243225},{"text":"It's harder to do the other way.","start":442.825,"end":444.605,"sentiment":"neutral","sentiment_score":-0.05038328043052128},{"text":"Okay.","start":448.75,"end":448.99,"sentiment":"neutral","sentiment_score":0.10024099051952362}],"sentiment":"neutral","sentiment_score":0.157477439309542,"num_words":26,"start":437.86502,"end":448.99},{"sentences":[{"text":"$1.70.","start":448.99,"end":449.88998,"sentiment":"neutral","sentiment_score":0.13940392434597015},{"text":"Perfect.","start":449.94998,"end":450.44998,"sentiment":"positive","sentiment_score":0.547652542591095},{"text":"Now we were looking at about a thirty day waiting period.","start":451.79,"end":455.49,"sentiment":"neutral","sentiment_score":0.2045369432731108},{"text":"So, obviously, until that payment would kick in if something were to happen, and then a benefit period of five years.","start":456.19,"end":462.935,"sentiment":"neutral","sentiment_score":0.144909866863773},{"text":"So somewhere in the middle, that if you need to be on claim, it would then last for five years.","start":462.935,"end":468.23502,"sentiment":"neutral","sentiment_score":0.11566268801689147}],"sentiment":"neutral","sentiment_score":0.15358007050774716,"num_words":54,"start":448.99,"end":468.23502},{"sentences":[{"text":"Are you still kind of happy with with that thirty and five years?","start":468.535,"end":472.155,"sentiment":"neutral","sentiment_score":0.17195807454677728},{"text":"Yep.","start":474.535,"end":475.015,"sentiment":"neutral","sentiment_score":0.04729124531149864},{"text":"Okay.","start":475.015,"end":475.41,"sentiment":"neutral","sentiment_score":0.029614560306072235},{"text":"Mhmm.","start":486.69,"end":486.93,"sentiment":"neutral","sentiment_score":-0.016419071704149246},{"text":"So this can be any illness or injury.","start":486.93,"end":490.15,"sentiment":"neutral","sentiment_score":-0.07398896012455225}],"sentiment":"neutral","sentiment_score":0.07100125091771285,"num_words":24,"start":468.535,"end":490.15},{"sentences":[{"text":"That means that you cannot go back to work.","start":491.065,"end":493.645,"sentiment":"neutral","sentiment_score":-0.05329539461268319},{"text":"So it does definitely doesn't have to happen at work or anything like that.","start":493.705,"end":497.145,"sentiment":"neutral","sentiment_score":0.008764184745294707},{"text":"It can happen at home.","start":497.145,"end":497.945,"sentiment":"neutral","sentiment_score":0.04627239853143692},{"text":"It can be on holiday.","start":497.945,"end":499.005,"sentiment":"neutral","sentiment_score":0.03175031542778015},{"text":"You could be snowboarding or whatever whatever it might be or get an illness.","start":499.385,"end":504.15,"sentiment":"neutral","sentiment_score":-0.00636598135211638}],"sentiment":"neutral","sentiment_score":-0.0011908539194375911,"num_words":47,"start":491.065,"end":504.15},{"sentences":[{"text":"If you get diagnosed with an illness or injury, irrespective of where it happens, and you cannot go back to work, then that's when, you'll be covered.","start":504.15,"end":515.445,"sentiment":"neutral","sentiment_score":-0.02269593902208187},{"text":"Oh, work cover?","start":535.38,"end":536.52,"sentiment":"neutral","sentiment_score":-0.021811191613475483},{"text":"Work cover?","start":536.98004,"end":537.72003,"sentiment":"neutral","sentiment_score":-0.022535067982971668},{"text":"Yes.","start":538.66003,"end":539.16003,"sentiment":"neutral","sentiment_score":0.024339616298675537},{"text":"Mhmm.","start":543.425,"end":543.925,"sentiment":"neutral","sentiment_score":0.0027551245875656605}],"sentiment":"neutral","sentiment_score":-0.02047645069165703,"num_words":34,"start":504.15,"end":543.925},{"sentences":[{"text":"Yes.","start":545.26495,"end":545.76495,"sentiment":"neutral","sentiment_score":0.016862355172634125},{"text":"No.","start":553.105,"end":553.605,"sentiment":"neutral","sentiment_score":-0.06442875415086746},{"text":"Correct.","start":553.745,"end":554.245,"sentiment":"neutral","sentiment_score":0.0004476010799407959},{"text":"100%.","start":556.625,"end":557.345,"sentiment":"neutral","sentiment_score":0.0879053920507431},{"text":"That is correct.","start":557.345,"end":558.06494,"sentiment":"neutral","sentiment_score":0.17772590120633444}],"sentiment":"neutral","sentiment_score":0.08199489968163627,"num_words":7,"start":545.26495,"end":558.06494},{"sentences":[{"text":"That is that's the the tricky point that if you if something happen at work and you're on work cover and your work cover pays more than 70 percent of your income, the income protection will not be paid out.","start":558.06494,"end":571.37,"sentiment":"neutral","sentiment_score":-0.22794632762670516},{"text":"Yeah.","start":574.365,"end":574.865,"sentiment":"neutral","sentiment_score":0.002601420506834984},{"text":"So that would mean that your income wouldn't cover I have seen sometimes with work cover, they can cover, like, partials or stuff like that.","start":576.125,"end":582.845,"sentiment":"neutral","sentiment_score":-0.06823880285024643},{"text":"So if, for example, you're on work cover and work cover would cover 70% sorry, 50% of your income, then there are instances where you can have a top up of an income protection.","start":582.845,"end":592.21,"sentiment":"neutral","sentiment_score":-0.002865396056543378},{"text":"But most of the time, like you said, it's around 80 or 85%, sometimes even 90% of your income, which is more than the income protection.","start":592.59,"end":600.45,"sentiment":"neutral","sentiment_score":-0.1271842162196453}],"sentiment":"neutral","sentiment_score":-0.11290027653532368,"num_words":126,"start":558.06494,"end":600.45},{"sentences":[{"text":"So the income protection will not be paid.","start":600.59,"end":607.53503,"sentiment":"neutral","sentiment_score":-0.15406612306833267},{"text":"Yeah.","start":613.755,"end":614.255,"sentiment":"neutral","sentiment_score":0.009090641513466837},{"text":"Yeah.","start":616.395,"end":616.875,"sentiment":"neutral","sentiment_score":-0.02344158291816711},{"text":"70% is the max you can have, unfortunately.","start":616.875,"end":619.99,"sentiment":"neutral","sentiment_score":-0.07163255754858255},{"text":"And it is definitely like that.","start":620.93,"end":622.93,"sentiment":"neutral","sentiment_score":-0.023134073242545128}],"sentiment":"neutral","sentiment_score":-0.08161436774147053,"num_words":24,"start":600.59,"end":622.93},{"sentences":[{"text":"A lot of clients are like, well, you know, we are struggling with 70.","start":622.93,"end":626.95,"sentiment":"neutral","sentiment_score":-0.18223332720143454},{"text":"From an income protection point view, that is the most you can have.","start":627.17,"end":631.895,"sentiment":"neutral","sentiment_score":-0.1102968414242451},{"text":"Sometimes depending on what the reasons are, you can sometimes use trauma as a bit of a buffer.","start":632.755,"end":641.85,"sentiment":"neutral","sentiment_score":-0.1557582194606463},{"text":"Now we I did make a recommendation on trauma last time, and, again, it is different function.","start":641.85,"end":646.75,"sentiment":"neutral","sentiment_score":-0.032550031647962684},{"text":"But trauma is a different policy that you don't have to prove that you get you know, can return to work or anything like that.","start":647.20996,"end":654.08997,"sentiment":"neutral","sentiment_score":-0.09759444728493691}],"sentiment":"neutral","sentiment_score":-0.11243661137661715,"num_words":87,"start":622.93,"end":654.08997},{"sentences":[{"text":"If you get a diagnosis that's eligible, you will get a lump sum payment.","start":654.08997,"end":658.085,"sentiment":"neutral","sentiment_score":0.003733458712563983},{"text":"You don't have to prove that you can't go back to work or anything like that.","start":658.085,"end":661.385,"sentiment":"neutral","sentiment_score":-0.0574125531129539},{"text":"But let's say you you get that traumatic event happening to you, you get a lump sum.","start":661.445,"end":666.265,"sentiment":"neutral","sentiment_score":-0.05495328762952019},{"text":"We were looking at about a 150,000 last time.","start":666.325,"end":670.43,"sentiment":"neutral","sentiment_score":-0.05466372312770949},{"text":"Sometimes people will then use that 150 to top up the the loss of income because it only covers that 70% if you are eligible for it.","start":670.65,"end":681.495,"sentiment":"neutral","sentiment_score":-0.03693607063205154}],"sentiment":"neutral","sentiment_score":-0.039635972683710684,"num_words":83,"start":654.08997,"end":681.495},{"sentences":[{"text":"Does that make sense?","start":684.055,"end":685.115,"sentiment":"neutral","sentiment_score":0.14113678596913815},{"text":"Yeah.","start":687.415,"end":687.915,"sentiment":"neutral","sentiment_score":0.1221233457326889},{"text":"Are you still wanting an income protection, or what are your thoughts?","start":689.815,"end":694.49,"sentiment":"neutral","sentiment_score":0.03779577471626302},{"text":"Okay.","start":694.79004,"end":695.29004,"sentiment":"neutral","sentiment_score":0.0010044528171420095},{"text":"Yeah.","start":699.03,"end":699.53,"sentiment":"neutral","sentiment_score":-0.08082893490791321}],"sentiment":"neutral","sentiment_score":0.05581027916387508,"num_words":19,"start":684.055,"end":699.53},{"sentences":[{"text":"Exactly.","start":699.99,"end":700.49,"sentiment":"neutral","sentiment_score":-0.022325702011585236},{"text":"Exactly.","start":702.95,"end":703.45,"sentiment":"neutral","sentiment_score":0.21293221414089203},{"text":"And if you if you can afford it, obviously, in superannuation as well, we'll obviously do.","start":703.59,"end":709.275,"sentiment":"neutral","sentiment_score":0.30182728823274374},{"text":"I'll do some updated research on your super and investments as well just to see everything's, you know, doing the way it should be or if you need to make any changes.","start":709.275,"end":716.73505,"sentiment":"neutral","sentiment_score":0.30265288101509213},{"text":"And I also factor in, obviously, the cost of the insurances and that it doesn't eat away at all your contributions going in.","start":717.67505,"end":724.18005,"sentiment":"neutral","sentiment_score":0.19418676327104153}],"sentiment":"neutral","sentiment_score":0.26261686125438505,"num_words":73,"start":699.99,"end":724.18005},{"sentences":[{"text":"Because at the same time, we obviously want your superannuation to continue to to to grow.","start":724.18005,"end":728.44,"sentiment":"neutral","sentiment_score":0.2716420302167535},{"text":"Yeah.","start":731.78,"end":732.28,"sentiment":"neutral","sentiment_score":0.27556508779525757},{"text":"So I'll if you're happy to, I'll do the numbers anyway.","start":732.66003,"end":735.94,"sentiment":"neutral","sentiment_score":0.2747813585129651},{"text":"I'll run through it with with you once I've had back from all the insurers.","start":735.94,"end":739.435,"sentiment":"neutral","sentiment_score":0.20243407189846038},{"text":"You have the cost then, and then you can let me know what your thoughts are.","start":739.575,"end":743.115,"sentiment":"neutral","sentiment_score":0.17179907532408834}],"sentiment":"neutral","sentiment_score":0.22762252200963135,"num_words":59,"start":724.18005,"end":743.115},{"sentences":[{"text":"Yep.","start":745.255,"end":745.755,"sentiment":"neutral","sentiment_score":0.07753613591194153},{"text":"And yeah.","start":745.97504,"end":747.835,"sentiment":"neutral","sentiment_score":0.03837986849248409},{"text":"Yes.","start":751.015,"end":751.495,"sentiment":"neutral","sentiment_score":0.025132641196250916},{"text":"The spousal contribution.","start":751.495,"end":752.79,"sentiment":"neutral","sentiment_score":-0.0013854022448261578},{"text":"Yes.","start":756.37,"end":756.77,"sentiment":"neutral","sentiment_score":0.012663593515753746}],"sentiment":"neutral","sentiment_score":0.023491987609304488,"num_words":8,"start":745.255,"end":756.77},{"sentences":[{"text":"Yep.","start":756.77,"end":757.27,"sentiment":"neutral","sentiment_score":-0.012353791855275633},{"text":"Mhmm.","start":763.49,"end":763.74,"sentiment":"neutral","sentiment_score":-0.07858958840370178},{"text":"Yeah.","start":763.74,"end":764.24,"sentiment":"neutral","sentiment_score":-0.1132691353559494},{"text":"Yeah.","start":775.815,"end":776.29504,"sentiment":"neutral","sentiment_score":-0.15749461948871613},{"text":"I'm sorry.","start":776.29504,"end":776.85504,"sentiment":"neutral","sentiment_score":-0.18864424526691437}],"sentiment":"neutral","sentiment_score":-0.12316593760624528,"num_words":6,"start":756.77,"end":776.85504},{"sentences":[{"text":"Let me see if I can go into your account right now.","start":776.85504,"end":779.755,"sentiment":"neutral","sentiment_score":-0.06803286510209243},{"text":"Now I will do, update research on everything as well as in-depth for you, as part of the the research there when I do look at insurances to see.","start":780.05505,"end":790.01,"sentiment":"neutral","sentiment_score":0.04864702129672314},{"text":"And like you said as well, things have definitely there's a lot happening in in the world and in the market that has caused fluctuations.","start":791.03,"end":799.025,"sentiment":"neutral","sentiment_score":-0.09310666352510452},{"text":"Some of it is cyclical.","start":801.005,"end":802.305,"sentiment":"neutral","sentiment_score":-0.1029581993818283},{"text":"Let me have a look here.","start":803.885,"end":805.245,"sentiment":"neutral","sentiment_score":0.02618545200675726}],"sentiment":"neutral","sentiment_score":-0.027155527748264276,"num_words":77,"start":776.85504,"end":805.245},{"sentences":[{"text":"So I'll try to log in for you and and see.","start":805.245,"end":807.665,"sentiment":"neutral","sentiment_score":0.08817581358281049},{"text":"But, obviously, because Natalie is working and it you obviously want the contributions to go to your fund, that's perfectly fine.","start":807.965,"end":816.32,"sentiment":"neutral","sentiment_score":0.32638278887385413},{"text":"I might send her an email.","start":816.77997,"end":818.06,"sentiment":"neutral","sentiment_score":0.2694372509916623},{"text":"We'll tryna get her booked in for a different catch up to reassess things for her as well now when she is working and getting contributions because that obviously would change a little bit for her.","start":818.06,"end":827.395,"sentiment":"neutral","sentiment_score":0.28035033370057744},{"text":"But let's see if I can have a look here.","start":828.575,"end":830.495,"sentiment":"neutral","sentiment_score":0.06068433709442615}],"sentiment":"neutral","sentiment_score":0.23976251673662946,"num_words":84,"start":805.245,"end":830.495},{"sentences":[{"text":"So at the moment, your super balance is at 167,075.","start":830.495,"end":839.94,"sentiment":"neutral","sentiment_score":0.07157324813306332},{"text":"Now let me see here.","start":840.72,"end":842.89996,"sentiment":"neutral","sentiment_score":0.042539071291685104},{"text":"When I have a look at your investments, most of them have been doing pretty okay, but there is one that recently have underperformed, which is why I do really wanna research your investments and look to change that one.","start":843.19995,"end":858.425,"sentiment":"neutral","sentiment_score":0.026897107623517512},{"text":"Now that is your Benelong Australian equity.","start":858.425,"end":861.085,"sentiment":"neutral","sentiment_score":0.13891707360744476},{"text":"So that one was added to your portfolio because it is that kind of that active management side of it, and it's designed to China.","start":862.34503,"end":870.13,"sentiment":"neutral","sentiment_score":0.18177838921546935}],"sentiment":"neutral","sentiment_score":0.08645047572837479,"num_words":87,"start":830.495,"end":870.13},{"sentences":[{"text":"They are kind of actively buying and selling investments.","start":870.83,"end":873.57,"sentiment":"neutral","sentiment_score":0.2096107237868839},{"text":"They're trying to outperform the market, and that forms part of that kind of high growth portfolio for you.","start":873.71,"end":880.055,"sentiment":"neutral","sentiment_score":0.29691876941605616},{"text":"Historically, they have done really, really well, but more recently, they've kind of underperformed a little bit.","start":880.35504,"end":886.91504,"sentiment":"neutral","sentiment_score":-0.14538579675204613},{"text":"But the biggest reason why is that one of their investments, so not them per se, but one of their investments that they had in their portfolio was Corporate Travel Group.","start":886.91504,"end":898.43005,"sentiment":"neutral","sentiment_score":-0.20127538904067008},{"text":"They had a bit of issues with their reporting, which caused their their prices to fall.","start":898.89,"end":904.75,"sentiment":"negative","sentiment_score":-0.46759056113660336}],"sentiment":"neutral","sentiment_score":-0.09418034185048031,"num_words":92,"start":870.83,"end":904.75},{"sentences":[{"text":"So if that one isn't going to be the best for you moving forward, we do wanna look at changing that through something else.","start":905.37,"end":913.73505,"sentiment":"neutral","sentiment_score":-0.3194629494100809},{"text":"Similar function, but it's doing a little bit better for you.","start":914.275,"end":917.575,"sentiment":"neutral","sentiment_score":0.16006929766048084},{"text":"And the good thing with twenty four is that there's hundreds of different options for us to choose from, so we can very easily make that change.","start":917.875,"end":925.61,"sentiment":"positive","sentiment_score":0.6057437834916292},{"text":"So making sure that at all points in time, we do have you in the best option.","start":925.99,"end":930.08997,"sentiment":"positive","sentiment_score":0.5790105865282171},{"text":"That was probably a lot of information for you.","start":931.83,"end":935.545,"sentiment":"positive","sentiment_score":0.35595113039016724}],"sentiment":"neutral","sentiment_score":0.2669940203089606,"num_words":88,"start":905.37,"end":935.545},{"sentences":[{"text":"I will put everything in the research paper with the insurances for you.","start":935.545,"end":940.58496,"sentiment":"neutral","sentiment_score":0.28709579889590925},{"text":"So once I kind of deep dive a little bit more into the investments, but definitely, especially that investment, I will put together the recommendations.","start":940.58496,"end":949.91003,"sentiment":"neutral","sentiment_score":0.20219314575195313},{"text":"I will run through that with you and see what your thoughts are.","start":950.37,"end":961.09,"sentiment":"neutral","sentiment_score":0.04686741301646599},{"text":"Yes.","start":961.09,"end":961.59,"sentiment":"neutral","sentiment_score":-0.04374976456165314},{"text":"Yes.","start":962.05005,"end":962.385,"sentiment":"neutral","sentiment_score":0.00978354923427105}],"sentiment":"neutral","sentiment_score":0.17664875817608158,"num_words":53,"start":935.545,"end":962.385},{"sentences":[{"text":"And that is because of the insurances.","start":962.865,"end":964.805,"sentiment":"neutral","sentiment_score":-0.07198599459869522},{"text":"So we left that open while we were going through the insurance process to get that sorted with MetLife because you do have a bit of insurances in there.","start":965.505,"end":974.805,"sentiment":"neutral","sentiment_score":0.0042610370136540515},{"text":"And in that interim, I would not want to leave you uninsured.","start":975.185,"end":979.39,"sentiment":"neutral","sentiment_score":-0.1525330782557527},{"text":"So as soon as we have the insurances sorted for you, we can then roll that over.","start":980.73004,"end":986.35004,"sentiment":"neutral","sentiment_score":0.14953051814261606},{"text":"I'll do the research, but I if, obviously, appropriate, then we can roll that over and get it all Yeah.","start":986.97003,"end":1000.675,"sentiment":"neutral","sentiment_score":0.0897377610206604}],"sentiment":"neutral","sentiment_score":0.02501229648204411,"num_words":85,"start":962.865,"end":1000.675},{"sentences":[{"text":"Let me see how much was rolled in.","start":1027.425,"end":1030.485,"sentiment":"neutral","sentiment_score":0.012716444907709956},{"text":"Bear with me.","start":1031.5499,"end":1032.69,"sentiment":"neutral","sentiment_score":-0.008921871582667032},{"text":"Capital ports.","start":1036.51,"end":1038.21,"sentiment":"neutral","sentiment_score":0.0200404180213809},{"text":"Let me just have a look here for you.","start":1046.0299,"end":1048.735,"sentiment":"neutral","sentiment_score":0.06482941367559963},{"text":"Now while I wait for that to load, I do wanna quickly especially with doing the investments actually, I can see here $161.01 at $474.95.","start":1057.275,"end":1079.515,"sentiment":"neutral","sentiment_score":0.12343538403511048}],"sentiment":"neutral","sentiment_score":0.0805190660535021,"num_words":47,"start":1027.425,"end":1079.515},{"sentences":[{"text":"So then here is this.","start":1081.895,"end":1083.275,"sentiment":"neutral","sentiment_score":0.07244176492094993},{"text":"So it's it's still gone up since then even though we've had especially the last twelve months has probably been the most fluctuation with everything going on.","start":1084.4551,"end":1097.07,"sentiment":"neutral","sentiment_score":-0.06654678298919289},{"text":"And, obviously, you still have the the bus queue as well.","start":1097.45,"end":1102.35,"sentiment":"neutral","sentiment_score":0.21247668835249814},{"text":"So yes.","start":1102.73,"end":1109.5951,"sentiment":"neutral","sentiment_score":0.14523085579276085},{"text":"Especially on your growth investments.","start":1110.135,"end":1112.155,"sentiment":"neutral","sentiment_score":0.06508462727069855}],"sentiment":"neutral","sentiment_score":0.03037148207426071,"num_words":50,"start":1081.895,"end":1112.155},{"sentences":[{"text":"Now, obviously, being in that high growth portfolio as well, long term, we do see, you know, those those higher returns.","start":1113.255,"end":1121.4501,"sentiment":"neutral","sentiment_score":0.05450684648184549},{"text":"Short term, depending on when it is, we see bit of fluctuation.","start":1121.8301,"end":1125.29,"sentiment":"neutral","sentiment_score":-0.06727791950106621},{"text":"Now typically speaking as well in a high growth portfolio, and that's also why the time frame comes into play a lot by making sure you have enough time in the market for the fluctuations.","start":1126.15,"end":1137.835,"sentiment":"neutral","sentiment_score":-0.0961235008069447},{"text":"Because typically in a high growth portfolio, we typically see the likelihood of a negative return about one in five years.","start":1138.375,"end":1146.5901,"sentiment":"neutral","sentiment_score":-0.2981318522776876},{"text":"So, obviously, this this last twelve months have been a bit more turbulent with everything going on, especially the, suspense on the corporate travel group in Bennelong.","start":1146.5901,"end":1155.3301,"sentiment":"neutral","sentiment_score":-0.15301333450608784}],"sentiment":"neutral","sentiment_score":-0.11568226478993893,"num_words":116,"start":1113.255,"end":1155.3301},{"sentences":[{"text":"It's not obviously out of the norm for the market to behave this way as well that sometimes during the period, there will be ups and downs as long as the the foundation of the investments and everything is very diversified and is very solid for you.","start":1156.8301,"end":1170.555,"sentiment":"neutral","sentiment_score":-0.08351169574133893},{"text":"Mhmm.","start":1188.67,"end":1189.17,"sentiment":"neutral","sentiment_score":0.02702515386044979},{"text":"Yep.","start":1189.55,"end":1190.05,"sentiment":"neutral","sentiment_score":0.04308927059173584},{"text":"Yeah.","start":1190.11,"end":1190.27,"sentiment":"neutral","sentiment_score":0.03328333795070648},{"text":"It's like a self managed super fund.","start":1190.27,"end":1196.7051,"sentiment":"neutral","sentiment_score":0.02593870008630412}],"sentiment":"neutral","sentiment_score":-0.06386107082168262,"num_words":57,"start":1156.8301,"end":1196.7051},{"sentences":[{"text":"Yeah.","start":1197.965,"end":1198.2051,"sentiment":"neutral","sentiment_score":0.047639913856983185},{"text":"That's what ASIC says.","start":1198.2051,"end":1199.665,"sentiment":"neutral","sentiment_score":0.0766266668215394},{"text":"So ASIC say that in order to kinda make it worth it from a fee point of view, because there's obviously a lot more compliance and legislation in regards to your self managed super fund, they suggest a minimum of $2.50 to go down that way.","start":1199.805,"end":1216.02,"sentiment":"neutral","sentiment_score":0.08408437155025161},{"text":"Obviously, if you have property and stuff like that, you obviously need to make sure you have enough to facilitate it.","start":1216.1599,"end":1221.14,"sentiment":"neutral","sentiment_score":-0.00814661139711028},{"text":"Some industry experts have that around the 500 mark.","start":1221.36,"end":1225.135,"sentiment":"neutral","sentiment_score":0.00196338113811281}],"sentiment":"neutral","sentiment_score":0.050229867448869314,"num_words":81,"start":1197.965,"end":1225.135},{"sentences":[{"text":"So it's quite different, but ASIC says that the minimum of $2.50, they suggest, to make it work.","start":1225.135,"end":1231.155,"sentiment":"neutral","sentiment_score":0.05405553140574031},{"text":"That's a as a guideline from a cost point of view.","start":1232.575,"end":1235.375,"sentiment":"neutral","sentiment_score":0.03092694722793319},{"text":"Some clients, it will work really well for.","start":1235.375,"end":1237.5701,"sentiment":"neutral","sentiment_score":0.11243314389139414},{"text":"Otherwise, other clients, not great.","start":1237.87,"end":1239.87,"sentiment":"neutral","sentiment_score":-0.1321217969059944},{"text":"So self management are great from an investment point of view for some people.","start":1239.87,"end":1243.97,"sentiment":"neutral","sentiment_score":0.21307066615138734}],"sentiment":"neutral","sentiment_score":0.08098288352734276,"num_words":56,"start":1225.135,"end":1243.97},{"sentences":[{"text":"Definitely not for everyone, especially because how it's designed, it's for you to self manage.","start":1244.27,"end":1251.085,"sentiment":"neutral","sentiment_score":-0.06653336305171251},{"text":"So you would be the trustee.","start":1251.465,"end":1252.845,"sentiment":"neutral","sentiment_score":0.04128423519432545},{"text":"You would have the responsibility of managing everything and making sure it stays compliant.","start":1252.9049,"end":1257.245,"sentiment":"neutral","sentiment_score":0.10634340931262289},{"text":"You would then have an annual tax return and order done on the self managed super fund by an accountant.","start":1258.0249,"end":1264.9,"sentiment":"neutral","sentiment_score":0.078853590041399},{"text":"Obviously, if you have a a property side of it, which is most of the time where people do go down the self managed super side side of it, if you have a loan through it, you would have a different self super funds or rental income and stuff like that with contributions, and then obviously expenses and everything like that.","start":1265.6001,"end":1287.3251,"sentiment":"neutral","sentiment_score":0.05095756976086585}],"sentiment":"neutral","sentiment_score":0.046758588379377436,"num_words":116,"start":1244.27,"end":1287.3251},{"sentences":[{"text":"The mortgage payment would come out.","start":1287.3251,"end":1289.1051,"sentiment":"neutral","sentiment_score":0.0012893178888286154},{"text":"So it is a bit more complex in that way.","start":1289.4851,"end":1292.26,"sentiment":"neutral","sentiment_score":-0.10463551431894302},{"text":"Where we would come into play is if you would want a investment portfolio alongside the property.","start":1292.88,"end":1301.14,"sentiment":"neutral","sentiment_score":0.05900810746585622},{"text":"So if you want that along with the property, then we can manage that side.","start":1301.6,"end":1306.4149,"sentiment":"neutral","sentiment_score":0.11845784485340119},{"text":"Otherwise, the self managed super fund is something that you would predominantly manage yourself, and then obviously have the accountant from all the auditing and compliance and documentation point of view.","start":1306.5549,"end":1317.135,"sentiment":"neutral","sentiment_score":0.06178541655742353}],"sentiment":"neutral","sentiment_score":0.04628777439423094,"num_words":79,"start":1287.3251,"end":1317.135},{"sentences":[{"text":"Technically, you technically, you probably could deal with anything.","start":1329.26,"end":1332.735,"sentiment":"neutral","sentiment_score":-0.22064859751198027},{"text":"It's more for making it making it worse from a fee.","start":1332.735,"end":1335.635,"sentiment":"negative","sentiment_score":-0.4309410805051977},{"text":"So if you have a 150,000, you could set it up.","start":1335.9349,"end":1340.4349,"sentiment":"neutral","sentiment_score":-0.04958694360472939},{"text":"But then if you have you know?","start":1340.495,"end":1342.995,"sentiment":"neutral","sentiment_score":-0.03278046739952905},{"text":"I'll see here if I can find what the accountants typically charge from it to get it set up.","start":1343.695,"end":1348.15,"sentiment":"neutral","sentiment_score":0.08514001004790005}],"sentiment":"neutral","sentiment_score":-0.10321839866146706,"num_words":57,"start":1329.26,"end":1348.15},{"sentences":[{"text":"It only depends on which account firm you use and everything like that.","start":1348.15,"end":1355.0499,"sentiment":"neutral","sentiment_score":0.025464058208924074},{"text":"The the thing to be more careful for is just the fee.","start":1356.3099,"end":1359.37,"sentiment":"neutral","sentiment_score":-0.10771874027947585},{"text":"And would you guys would you be just you, or would you guys be combining your superannuation?","start":1360.995,"end":1365.8151,"sentiment":"neutral","sentiment_score":0.03225979691042619},{"text":"Yeah.","start":1375.2301,"end":1375.7301,"sentiment":"neutral","sentiment_score":0.014660421758890152},{"text":"Well, what what I can do, sir, obviously, make it easy, sorry, I don't keep you too long, is I will send you an email.","start":1376.1901,"end":1382.93,"sentiment":"neutral","sentiment_score":0.1623714090883732}],"sentiment":"neutral","sentiment_score":0.05383485396776129,"num_words":68,"start":1348.15,"end":1382.93},{"sentences":[{"text":"I'll include the the pricing as well of what the minute super fund, and I can also send you that link to ASIC, where they do talk about it.","start":1383.4701,"end":1400.73,"sentiment":"neutral","sentiment_score":0.2683750015908274},{"text":"That's just what they suggest as a minimum to make it worthwhile the fees.","start":1400.73,"end":1405.31,"sentiment":"neutral","sentiment_score":0.2088401157941137},{"text":"But you can technically set it up with less.","start":1406.73,"end":1409.2101,"sentiment":"neutral","sentiment_score":0.09202360444598728},{"text":"I wouldn't recommend doing it with less because of the fee.","start":1409.2101,"end":1413.31,"sentiment":"neutral","sentiment_score":-0.23946811258792877},{"text":"But if you tell me, hey.","start":1413.37,"end":1414.5701,"sentiment":"neutral","sentiment_score":0.16714879622062048}],"sentiment":"neutral","sentiment_score":0.14353032820466635,"num_words":69,"start":1383.4701,"end":1414.5701},{"sentences":[{"text":"This is what I wanna do, and I know someone that can do it for me.","start":1414.5701,"end":1417.635,"sentiment":"neutral","sentiment_score":0.3066420769318938},{"text":"That's what I want.","start":1417.635,"end":1418.755,"sentiment":"positive","sentiment_score":0.34386046230793},{"text":"There's obviously no obligation.","start":1418.755,"end":1420.215,"sentiment":"neutral","sentiment_score":0.05560019612312317},{"text":"But we obviously do have to follow all that best interest duty, making sure that everything we do recommend for you is going to put you in a better position and be the best for you.","start":1425.155,"end":1434.24,"sentiment":"positive","sentiment_score":0.4392945362875859},{"text":"And from all the research I've done with the self managed super fund, if we have a super balance of around 150, the fees are quite quite large.","start":1434.62,"end":1444.785,"sentiment":"neutral","sentiment_score":-0.14491352984415634}],"sentiment":"neutral","sentiment_score":0.20751295835626396,"num_words":88,"start":1414.5701,"end":1444.785},{"sentences":[{"text":"And if I then kind of project based on what the returns on the investments can do over the long term versus, obviously, the the property increase, it it tend not to outperform.","start":1445.725,"end":1456.625,"sentiment":"neutral","sentiment_score":-0.12653872856136525},{"text":"Obviously, you never know obviously, if you get a really good niche property, that can do really, really well.","start":1457.09,"end":1462.9501,"sentiment":"neutral","sentiment_score":0.20046819658263734},{"text":"You can also maybe not get so much growth, some investments as well.","start":1463.73,"end":1467.65,"sentiment":"negative","sentiment_score":-0.34500963298174053},{"text":"So there's obviously risks with both.","start":1467.65,"end":1469.59,"sentiment":"neutral","sentiment_score":-0.2761928588151932},{"text":"But then you obviously have to think about liquidation and everything like that as well with property.","start":1469.89,"end":1473.935,"sentiment":"neutral","sentiment_score":-0.1525694977711229}],"sentiment":"neutral","sentiment_score":-0.10344143353656611,"num_words":88,"start":1445.725,"end":1473.935},{"sentences":[{"text":"Why do the fees go up because you have less money?","start":1481.035,"end":1483.29,"sentiment":"neutral","sentiment_score":-0.23216662894595752},{"text":"The the the fees tend to stay the same, but then if you do it based on the percentage of the balance that you have, you'll obviously get left with a lot less.","start":1491.05,"end":1500.925,"sentiment":"neutral","sentiment_score":0.01772024380889806},{"text":"So let's say if it costs $10,000, if you have a $150,150,000 in there, then if you do a percentage of the 10,000 of that, it's obviously a lot more.","start":1501.2251,"end":1512.22,"sentiment":"neutral","sentiment_score":0.013142704591155052},{"text":"But then compounding will grow than if you have more money in there.","start":1512.9199,"end":1517.0199,"sentiment":"neutral","sentiment_score":-0.04771588398860051},{"text":"So yeah.","start":1523.575,"end":1525.495,"sentiment":"neutral","sentiment_score":0.03777190111577511}],"sentiment":"neutral","sentiment_score":-0.023815128366264066,"num_words":89,"start":1481.035,"end":1525.495},{"sentences":[{"text":"And that will be the mortgage because then you have the auditing fees.","start":1525.495,"end":1528.5349,"sentiment":"neutral","sentiment_score":0.05757717272410026},{"text":"You have the compliance fees.","start":1528.5349,"end":1530.1549,"sentiment":"neutral","sentiment_score":0.06468821689486504},{"text":"Just to that's just admin administration side on top of it.","start":1530.695,"end":1535.2899,"sentiment":"neutral","sentiment_score":0.04941029440272938},{"text":"If you then have an investment portfolio, you might have adviser fees on top of that.","start":1535.2899,"end":1539.25,"sentiment":"neutral","sentiment_score":0.06097293249331415},{"text":"You have the platform fees where things are being held, like the cash accounts and stuff like that with the self managed super funds.","start":1539.25,"end":1549.145,"sentiment":"neutral","sentiment_score":0.05468938173726201}],"sentiment":"neutral","sentiment_score":0.056573473187028496,"num_words":69,"start":1525.495,"end":1549.145},{"sentences":[{"text":"But what I can yeah.","start":1550.005,"end":1552.905,"sentiment":"neutral","sentiment_score":0.018795282766222953},{"text":"Yeah.","start":1552.965,"end":1553.465,"sentiment":"neutral","sentiment_score":-0.092683307826519},{"text":"No.","start":1556.8049,"end":1557.285,"sentiment":"neutral","sentiment_score":-0.12666690349578855},{"text":"No.","start":1557.285,"end":1557.6849,"sentiment":"neutral","sentiment_score":-0.12535043060779572},{"text":"By by all means, I will send email.","start":1557.6849,"end":1559.5,"sentiment":"neutral","sentiment_score":-0.08426456060260534}],"sentiment":"neutral","sentiment_score":-0.057802544557489455,"num_words":16,"start":1550.005,"end":1559.5},{"sentences":[{"text":"It probably won't be today, but I will try to send it by end of business day tomorrow, some information for you.","start":1559.5,"end":1566.32,"sentiment":"neutral","sentiment_score":0.03242159194566987},{"text":"And I will send you just some general accounting fee as well so that you know what those kind of auditing fees and stuff like that is that I'm that I'm talking about.","start":1567.26,"end":1577.725,"sentiment":"neutral","sentiment_score":0.11963174559853294},{"text":"So mhmm.","start":1579.385,"end":1582.365,"sentiment":"neutral","sentiment_score":0.020260994730051607},{"text":"Mhmm.","start":1598.86,"end":1599.135,"sentiment":"neutral","sentiment_score":-0.06723906099796295},{"text":"Yep.","start":1605.055,"end":1605.295,"sentiment":"neutral","sentiment_score":0.028758618980646133}],"sentiment":"neutral","sentiment_score":0.07903668093218831,"num_words":59,"start":1559.5,"end":1605.295},{"sentences":[{"text":"Yeah.","start":1605.295,"end":1605.795,"sentiment":"neutral","sentiment_score":0.027812587097287175},{"text":"Yeah.","start":1612.575,"end":1612.8151,"sentiment":"neutral","sentiment_score":0.018554918467998505},{"text":"Yeah.","start":1612.8151,"end":1613.215,"sentiment":"neutral","sentiment_score":0.012342175468802452},{"text":"No.","start":1613.215,"end":1613.715,"sentiment":"neutral","sentiment_score":-0.06487441807985306},{"text":"Typically, for for for for life insurance and stuff like that, no.","start":1613.76,"end":1617.52,"sentiment":"neutral","sentiment_score":-0.04740484803915024}],"sentiment":"neutral","sentiment_score":-0.035938932094722986,"num_words":16,"start":1605.295,"end":1617.52},{"sentences":[{"text":"As long as your new cover is in place, you are covered.","start":1617.52,"end":1621.54,"sentiment":"neutral","sentiment_score":0.05210515235861143},{"text":"Now there are sometimes a bit of a clause in place for each insurer, and there's, like, a minimum time frame mainly just in regards to not covering if it's due to suicide and stuff like that.","start":1621.76,"end":1637.4651,"sentiment":"neutral","sentiment_score":-0.07107924267246916},{"text":"But, otherwise, it's no.","start":1638.9651,"end":1642.26,"sentiment":"neutral","sentiment_score":-0.06427409499883652},{"text":"As soon as your cover is in place, you are then covered, especially life insurance because it's pretty straightforward.","start":1642.26,"end":1648.12,"sentiment":"neutral","sentiment_score":0.08087420757663877},{"text":"It's not where you have you have through, like, private health insurance where you have waiting periods.","start":1649.0599,"end":1654.425,"sentiment":"neutral","sentiment_score":-0.08837584888233858}],"sentiment":"neutral","sentiment_score":-0.02502860693951671,"num_words":89,"start":1617.52,"end":1654.425},{"sentences":[{"text":"It's not like that.","start":1654.5851,"end":1655.885,"sentiment":"neutral","sentiment_score":-0.16406863927841187},{"text":"Yeah.","start":1657.9451,"end":1658.4451,"sentiment":"neutral","sentiment_score":0.045655250549316406},{"text":"So we can definitely yeah.","start":1658.905,"end":1661.145,"sentiment":"neutral","sentiment_score":0.06825830116868019},{"text":"So do you still want me to do a recommendation on the trauma cover for you as well similar to last time.","start":1661.145,"end":1669.0599,"sentiment":"neutral","sentiment_score":0.06857885369523005},{"text":"Yep.","start":1669.0599,"end":1669.46,"sentiment":"neutral","sentiment_score":0.12050458788871764}],"sentiment":"neutral","sentiment_score":0.041209441468571174,"num_words":33,"start":1654.5851,"end":1669.46},{"sentences":[{"text":"Okay.","start":1669.46,"end":1669.96,"sentiment":"neutral","sentiment_score":0.1799716353416443},{"text":"I'll run run this through.","start":1670.26,"end":1672.2,"sentiment":"neutral","sentiment_score":0.1975752055644989},{"text":"Yeah.","start":1676.74,"end":1677.14,"sentiment":"neutral","sentiment_score":0.2279081642627716},{"text":"Yeah.","start":1677.14,"end":1677.64,"sentiment":"neutral","sentiment_score":0.21112430095672607},{"text":"Alright.","start":1677.86,"end":1678.34,"sentiment":"neutral","sentiment_score":0.24885216355323792}],"sentiment":"neutral","sentiment_score":0.20619247688187492,"num_words":9,"start":1669.46,"end":1678.34},{"sentences":[{"text":"Well, I will I will run all of this here for you, do the research, let you know.","start":1678.34,"end":1684.035,"sentiment":"neutral","sentiment_score":0.31834667424360913},{"text":"Now there is one thing I do wanna check with you when it comes to investments as well.","start":1684.095,"end":1688.035,"sentiment":"neutral","sentiment_score":0.16405976812044779},{"text":"I'm not sure if you've read the the latest newsletter that we published, I think, about, like, a week or two ago.","start":1688.5751,"end":1694.73,"sentiment":"neutral","sentiment_score":0.002066104995637116},{"text":"Do you read them?","start":1696.5499,"end":1697.61,"sentiment":"neutral","sentiment_score":-0.08926677517592907},{"text":"Okay.","start":1701.11,"end":1701.61,"sentiment":"neutral","sentiment_score":-0.09374137967824936}],"sentiment":"neutral","sentiment_score":0.1313962189218266,"num_words":63,"start":1678.34,"end":1701.61},{"sentences":[{"text":"Yeah.","start":1703.99,"end":1704.47,"sentiment":"neutral","sentiment_score":-0.037841565907001495},{"text":"May yeah.","start":1704.47,"end":1705.91,"sentiment":"neutral","sentiment_score":-0.03576204366981983},{"text":"Maybe have a look at the spam folder if it goes there, but we've recently joined up with BlackRock.","start":1705.91,"end":1714.345,"sentiment":"neutral","sentiment_score":-0.025473198608348246},{"text":"Have you ever heard of them?","start":1714.485,"end":1715.605,"sentiment":"neutral","sentiment_score":0.019233128676811855},{"text":"They're they're quite they're one of the largest fund managers.","start":1715.605,"end":1718.0249,"sentiment":"neutral","sentiment_score":0.06765001751482487}],"sentiment":"neutral","sentiment_score":0.005224803168522685,"num_words":38,"start":1703.99,"end":1718.0249},{"sentences":[{"text":"No.","start":1720.1649,"end":1720.35,"sentiment":"neutral","sentiment_score":-0.16169849038124084},{"text":"You can obviously Google them and stuff.","start":1721.39,"end":1723.15,"sentiment":"neutral","sentiment_score":-0.07681915057556969},{"text":"They are really big.","start":1723.15,"end":1724.4299,"sentiment":"neutral","sentiment_score":-0.0028690723702311516},{"text":"So we've recently teamed up with them very, very recently, actually, and created a SMA.","start":1724.4299,"end":1731.89,"sentiment":"neutral","sentiment_score":0.22741269965966543},{"text":"Have you ever heard of that before?","start":1732.19,"end":1735.665,"sentiment":"neutral","sentiment_score":0.052512855402060916}],"sentiment":"neutral","sentiment_score":0.09023151908288984,"num_words":34,"start":1720.1649,"end":1735.665},{"sentences":[{"text":"No.","start":1735.665,"end":1736.165,"sentiment":"neutral","sentiment_score":-0.056029435247182846},{"text":"No.","start":1736.545,"end":1737.025,"sentiment":"neutral","sentiment_score":-0.06275536864995956},{"text":"I'll try to keep it as as simple as I can because it can get quite technical.","start":1737.025,"end":1740.405,"sentiment":"neutral","sentiment_score":0.000882948584416333},{"text":"But the SMA, it is a self managed account.","start":1740.625,"end":1743.8451,"sentiment":"neutral","sentiment_score":0.01163395783967442},{"text":"Now it works a little bit different to how your current portfolio self managed account.","start":1744.385,"end":1752.57,"sentiment":"neutral","sentiment_score":0.0009361833954850833}],"sentiment":"neutral","sentiment_score":0.0003482254308670066,"num_words":43,"start":1735.665,"end":1752.57},{"sentences":[{"text":"That's what it stands for, SMA, self managed account.","start":1752.71,"end":1756.33,"sentiment":"neutral","sentiment_score":0.03437081351876259},{"text":"So how it works, it's a little bit different to how your current portfolio is set up.","start":1758.47,"end":1763.1749,"sentiment":"neutral","sentiment_score":0.022108201375778985},{"text":"So you at the moment have what we would say like a model portfolio.","start":1763.1749,"end":1766.475,"sentiment":"neutral","sentiment_score":0.09017927439085074},{"text":"So you actually see every single one of those investments in your portfolio.","start":1766.855,"end":1770.875,"sentiment":"neutral","sentiment_score":0.0930437554533665},{"text":"And if I or we wanna go and make a change to it, like, for example, with the who's underperforming a little bit right now, I would have to go and do, obviously, all the research for you.","start":1771.655,"end":1782.7699,"sentiment":"neutral","sentiment_score":0.05712503645765154}],"sentiment":"neutral","sentiment_score":0.05854952519575318,"num_words":91,"start":1752.71,"end":1782.7699},{"sentences":[{"text":"I'll have to present it in a strategy paper.","start":1782.7699,"end":1785.35,"sentiment":"neutral","sentiment_score":0.11118126246664259},{"text":"I would have to present it to you.","start":1785.8899,"end":1787.6499,"sentiment":"neutral","sentiment_score":0.13770911749452353},{"text":"You would have to agree through the change, then I can go and make the change for you.","start":1787.6499,"end":1791.57,"sentiment":"neutral","sentiment_score":0.15790814616613918},{"text":"So it's it's, you know, obviously, a lot of paperwork and stuff like that, but you would obviously have full control of the changes.","start":1791.57,"end":1797.405,"sentiment":"neutral","sentiment_score":0.0964570742410918},{"text":"The SMA, how that works is a little bit different in that you would be invested in a portfolio.","start":1798.425,"end":1805.005,"sentiment":"neutral","sentiment_score":0.07809226450167205}],"sentiment":"neutral","sentiment_score":0.1120945351341596,"num_words":78,"start":1782.7699,"end":1805.005},{"sentences":[{"text":"Now the construction of the investments are the same.","start":1805.4651,"end":1808.37,"sentiment":"neutral","sentiment_score":0.05636262893676758},{"text":"You still have multiple different investment options.","start":1808.37,"end":1810.63,"sentiment":"neutral","sentiment_score":0.08205293118953705},{"text":"The philosophy structure the same, but you would be you would just say that you're invested in one portfolio.","start":1810.85,"end":1817.19,"sentiment":"neutral","sentiment_score":0.08904993671335672},{"text":"So what that allows us to do is that we can very quickly swap and change investments that are potentially underperforming or if we foresee a market trends changing, we can very quickly swap and change those for you without having to go through that whole research paper you have to agree and sign before we can make a change because you've agreed to just invest in the portfolio itself.","start":1818.29,"end":1842.29,"sentiment":"neutral","sentiment_score":0.27546984361750737},{"text":"So then us with Benelon can kind of take away that process of the compliance point and make those changes quickly, which some people are quite happy about that because it allows us to do that more active management very quickly.","start":1842.75,"end":1859.385,"sentiment":"positive","sentiment_score":0.5031936114154211}],"sentiment":"neutral","sentiment_score":0.29237952121622757,"num_words":146,"start":1805.4651,"end":1859.385},{"sentences":[{"text":"But it would mean that you would have a little bit less oversight over it.","start":1859.765,"end":1863.4099,"sentiment":"neutral","sentiment_score":0.11776791413625082},{"text":"Is that something that you are open through, or do you prefer kind of having that full oversight of the changes?","start":1864.27,"end":1870.21,"sentiment":"neutral","sentiment_score":0.06519757322080079},{"text":"I'll quite yeah.","start":1874.75,"end":1875.71,"sentiment":"neutral","sentiment_score":-0.023200588611265022},{"text":"No.","start":1875.71,"end":1875.87,"sentiment":"neutral","sentiment_score":-0.01968693733215332},{"text":"That's okay.","start":1875.87,"end":1876.6699,"sentiment":"neutral","sentiment_score":0.15662283822894096}],"sentiment":"neutral","sentiment_score":0.07999106483267886,"num_words":42,"start":1859.765,"end":1876.6699},{"sentences":[{"text":"I'm quite happy with it because it means that we can make quick changes, and you don't have to be part of each step.","start":1877.105,"end":1884.965,"sentiment":"positive","sentiment_score":0.4075206524382035},{"text":"Whereas some other people do want that full oversight and agree through the changes before they happen.","start":1885.265,"end":1893.67,"sentiment":"neutral","sentiment_score":0.1849878596908906},{"text":"What okay.","start":1893.67,"end":1896.81,"sentiment":"neutral","sentiment_score":0.04201309755444527},{"text":"So okay.","start":1898.39,"end":1901.21,"sentiment":"neutral","sentiment_score":0.047528062015771866},{"text":"Yeah.","start":1902.07,"end":1902.57,"sentiment":"neutral","sentiment_score":0.10250894725322723}],"sentiment":"neutral","sentiment_score":0.28710609868816706,"num_words":46,"start":1877.105,"end":1902.57},{"sentences":[{"text":"So what I can do then, if it's if it's something that you are open to, obviously, assuming that the returns and fees and everything like that makes it worth it, I can factor that into the research.","start":1903.43,"end":1915.345,"sentiment":"neutral","sentiment_score":0.21720048040151596},{"text":"And then once I have all of that, I can then make a recommendation for you.","start":1916.045,"end":1920.065,"sentiment":"neutral","sentiment_score":0.22759801428765059},{"text":"Like I said, the good thing with the SMA means that we can quickly make changes if something happens to then tryna prevent a bit of, you know, fluctuation or very quickly make that because you don't have to sign a document, go through it before it changes.","start":1920.445,"end":1936.0651,"sentiment":"neutral","sentiment_score":0.2950905957259238},{"text":"Yeah.","start":1936.0651,"end":1936.5651,"sentiment":"neutral","sentiment_score":0.12996840476989746},{"text":"Just just no.","start":1945.985,"end":1947.265,"sentiment":"neutral","sentiment_score":0.05397884547710419}],"sentiment":"neutral","sentiment_score":0.24859849075382612,"num_words":106,"start":1903.43,"end":1947.265},{"sentences":[{"text":"And that's also why you have us to help to help you with this.","start":1947.265,"end":1949.89,"sentiment":"neutral","sentiment_score":0.2100727983883449},{"text":"You know?","start":1949.89,"end":1950.71,"sentiment":"neutral","sentiment_score":0.05127021297812462},{"text":"Yeah.","start":1961.01,"end":1961.51,"sentiment":"neutral","sentiment_score":0.02390376850962639},{"text":"Yeah.","start":1962.77,"end":1963.27,"sentiment":"neutral","sentiment_score":0.1825948655605316},{"text":"Okay.","start":1964.45,"end":1964.865,"sentiment":"neutral","sentiment_score":0.24640879034996033}],"sentiment":"neutral","sentiment_score":0.18402458041122086,"num_words":19,"start":1947.265,"end":1964.865},{"sentences":[{"text":"Whatever makes you the most money.","start":1965.265,"end":1966.885,"sentiment":"neutral","sentiment_score":0.28137117127577466},{"text":"Yeah.","start":1968.3049,"end":1968.8049,"sentiment":"neutral","sentiment_score":0.08225606381893158},{"text":"No.","start":1968.945,"end":1969.445,"sentiment":"neutral","sentiment_score":0.028151165693998337},{"text":"That's fair enough.","start":1970.145,"end":1971.025,"sentiment":"neutral","sentiment_score":0.10120515773693721},{"text":"Most people are the same.","start":1971.025,"end":1972.065,"sentiment":"neutral","sentiment_score":0.2523432284593582}],"sentiment":"neutral","sentiment_score":0.21024786704219878,"num_words":16,"start":1965.265,"end":1972.065},{"sentences":[{"text":"I will I will include that for you, though.","start":1972.065,"end":1973.745,"sentiment":"neutral","sentiment_score":0.29786860114998287},{"text":"I will show you the difference.","start":1973.745,"end":1976.005,"sentiment":"positive","sentiment_score":0.38704581061999005},{"text":"And it's also really good because we can also then combine our investment committee and all research with with BlackRock.","start":1976.865,"end":1983.37,"sentiment":"positive","sentiment_score":0.6026073947548867},{"text":"And, again, by all means, go and research them.","start":1983.99,"end":1985.91,"sentiment":"positive","sentiment_score":0.4819392396344079},{"text":"They are massive.","start":1985.91,"end":1986.81,"sentiment":"positive","sentiment_score":0.6985755960146586}],"sentiment":"positive","sentiment_score":0.4997536194451312,"num_words":47,"start":1972.065,"end":1986.81},{"sentences":[{"text":"So it it just means that there's a lot more in-depth of that, and they have a lot of risk mitigation systems and all this fancy technology as well that we get access to, which, again, just kind of strengthens how we build everything for you.","start":1987.99,"end":2001.115,"sentiment":"positive","sentiment_score":0.5679663050433864},{"text":"I know it's probably a lot, but I will do that research for you as long as, obviously, you're open to that.","start":2001.115,"end":2006.795,"sentiment":"positive","sentiment_score":0.37157708541913465},{"text":"And then whatever is going to give you the most money at the end of it and put you in a better position, I will recommend, and then you can let me know what your thoughts are.","start":2006.795,"end":2016.55,"sentiment":"positive","sentiment_score":0.506502511533531},{"text":"Yeah.","start":2018.77,"end":2019.27,"sentiment":"neutral","sentiment_score":0.09247072041034698},{"text":"Now before I let you go as well, I do wanna just check, is there anything else that's changed in your your life, anything with assets, liabilities, anything else that's changed since we spoke last time?","start":2020.13,"end":2033.525,"sentiment":"neutral","sentiment_score":0.07079891638002461}],"sentiment":"positive","sentiment_score":0.39213359540879306,"num_words":142,"start":1987.99,"end":2033.525},{"sentences":[{"text":"It's all the same 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yeah.","start":2063.1401,"end":2063.96,"sentiment":"neutral","sentiment_score":0.05593137443065643},{"text":"Yeah.","start":2067.1401,"end":2067.6401,"sentiment":"neutral","sentiment_score":0.017587443813681602},{"text":"Yeah.","start":2071.7,"end":2072.2,"sentiment":"neutral","sentiment_score":0.00240502692759037},{"text":"Yeah.","start":2075.875,"end":2076.375,"sentiment":"neutral","sentiment_score":0.01652020402252674}],"sentiment":"neutral","sentiment_score":0.05287420784588903,"num_words":16,"start":2051.335,"end":2076.375},{"sentences":[{"text":"Yep.","start":2080.9148,"end":2081.4148,"sentiment":"neutral","sentiment_score":0.04401513934135437},{"text":"Yep.","start":2081.4749,"end":2081.9749,"sentiment":"neutral","sentiment_score":0.04522150009870529},{"text":"Yeah.","start":2086.755,"end":2087.255,"sentiment":"neutral","sentiment_score":0.0002414397895336151},{"text":"Yeah.","start":2087.555,"end":2087.94,"sentiment":"neutral","sentiment_score":0.03232797980308533},{"text":"Just that certainty.","start":2089.46,"end":2090.5999,"sentiment":"neutral","sentiment_score":0.03626254387199879}],"sentiment":"neutral","sentiment_score":0.03294195580695357,"num_words":7,"start":2080.9148,"end":2090.5999},{"sentences":[{"text":"Yeah.","start":2091.14,"end":2091.64,"sentiment":"neutral","sentiment_score":0.0873810350894928},{"text":"And can always reassess it.","start":2092.18,"end":2097.8599,"sentiment":"neutral","sentiment_score":0.05812654495239258},{"text":"You know, it is part of, you know, the ongoing service, and we always continue to reassess it when things change in your life because, you know, that might change contributions into super.","start":2097.8599,"end":2106.835,"sentiment":"neutral","sentiment_score":0.08640344565113385},{"text":"We might wanna change some insurances.","start":2106.835,"end":2108.455,"sentiment":"neutral","sentiment_score":0.05866821544865767},{"text":"You know, there might be other things we we can assist you with in that area.","start":2109.875,"end":2115.8,"sentiment":"neutral","sentiment_score":0.1537275672890246}],"sentiment":"neutral","sentiment_score":0.09903242353533136,"num_words":61,"start":2091.14,"end":2115.8},{"sentences":[{"text":"So we can definitely you know, if it is something that you're looking at, you know, down the track and and stuff, we can definitely see if we want to tweak and change anything for you.","start":2115.8,"end":2125.5,"sentiment":"neutral","sentiment_score":0.15198118105116817},{"text":"No.","start":2131.835,"end":2132.335,"sentiment":"neutral","sentiment_score":-0.24581658840179443},{"text":"No.","start":2133.595,"end":2133.915,"sentiment":"neutral","sentiment_score":-0.12211807817220688},{"text":"That's okay.","start":2133.915,"end":2134.815,"sentiment":"neutral","sentiment_score":-0.04673163592815399},{"text":"You're still doing about that forty hours per week employed casual otherwise?","start":2135.595,"end":2139.375,"sentiment":"neutral","sentiment_score":-0.01785477949306369}],"sentiment":"neutral","sentiment_score":0.09222436972105733,"num_words":52,"start":2115.8,"end":2139.375},{"sentences":[{"text":"Yeah.","start":2141.675,"end":2141.995,"sentiment":"neutral","sentiment_score":0.08475041389465332},{"text":"Yeah.","start":2141.995,"end":2142.495,"sentiment":"neutral","sentiment_score":0.1198231354355812},{"text":"Now I do quickly just because I do go back to the insurers, I wanna make sure I have all the correct information.","start":2142.795,"end":2147.29,"sentiment":"neutral","sentiment_score":0.14481931503700174},{"text":"Now with your health, I have the pre assessment here, so I won't go through the whole thing.","start":2148.07,"end":2153.2102,"sentiment":"neutral","sentiment_score":0.09546852111816406},{"text":"Have you had any new illnesses or new medications or anything since, we spoke to you last and did the pre assessment about a year 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good.","start":2197.095,"end":2198.295,"sentiment":"neutral","sentiment_score":0.05825090284148852},{"text":"Then mhmm.","start":2198.295,"end":2199.6748,"sentiment":"neutral","sentiment_score":-0.012857536319643259},{"text":"Oh, three.","start":2200.9348,"end":2201.46,"sentiment":"neutral","sentiment_score":0.09275007992982864},{"text":"Sweet.","start":2201.94,"end":2202.02,"sentiment":"neutral","sentiment_score":0.2871115803718567}],"sentiment":"neutral","sentiment_score":0.05018611359768189,"num_words":13,"start":2195.9749,"end":2202.02},{"sentences":[{"text":"Perfect.","start":2202.02,"end":2202.52,"sentiment":"positive","sentiment_score":0.4195327162742615},{"text":"I will update that.","start":2202.58,"end":2203.88,"sentiment":"neutral","sentiment_score":0.19810517877340317},{"text":"Perfect.","start":2209.38,"end":2209.88,"sentiment":"positive","sentiment_score":0.4683842062950134},{"text":"For me, it's actually ten years with my husband in 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good.","start":2278.465,"end":2278.945,"sentiment":"neutral","sentiment_score":0.21282882243394852},{"text":"I'll update that.","start":2278.945,"end":2280.0051,"sentiment":"neutral","sentiment_score":0.16036863128344217},{"text":"Now I do have here as well, obviously, a condition similar to condition.","start":2280.385,"end":2284.3252,"sentiment":"neutral","sentiment_score":0.011225641848376164},{"text":"Last time you had any symptoms or experience anything in regards to it was in 2012.","start":2285.5598,"end":2291.3398,"sentiment":"neutral","sentiment_score":0.002185128047131002}],"sentiment":"neutral","sentiment_score":0.03364342506974936,"num_words":35,"start":2278.0652,"end":2291.3398},{"sentences":[{"text":"Does that roughly sound about 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yeah.","start":2338.635,"end":2341.11,"sentiment":"neutral","sentiment_score":-0.1324300393462181},{"text":"Okay.","start":2342.07,"end":2342.57,"sentiment":"neutral","sentiment_score":-0.07790519297122955}],"sentiment":"neutral","sentiment_score":-0.11357403080910444,"num_words":8,"start":2334.235,"end":2342.57},{"sentences":[{"text":"No.","start":2346.3901,"end":2346.8901,"sentiment":"neutral","sentiment_score":-0.2062641680240631},{"text":"So kind of October roughly, and it's obviously not prevent not preventing you to work anymore or anything like that.","start":2347.27,"end":2356.6448,"sentiment":"neutral","sentiment_score":-0.1629001896828413},{"text":"Just sometimes a little bit of twitches and tingles, did you 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here.","start":2405.77,"end":2408.51,"sentiment":"neutral","sentiment_score":-0.021711038053035737}],"sentiment":"neutral","sentiment_score":0.08923760269369398,"num_words":21,"start":2397.355,"end":2408.51},{"sentences":[{"text":"No.","start":2410.25,"end":2410.57,"sentiment":"neutral","sentiment_score":-0.13905933499336243},{"text":"That was that was everything.","start":2410.57,"end":2411.87,"sentiment":"neutral","sentiment_score":-0.169088277220726},{"text":"So what I'll do now is I'll go back to to the insurance.","start":2412.33,"end":2415.225,"sentiment":"neutral","sentiment_score":-0.013147461586273633},{"text":"I'll reassess who's going to be the best provider for you.","start":2415.7852,"end":2419.0051,"sentiment":"neutral","sentiment_score":0.04968498867343773},{"text":"Now the insurance can sometimes take a little bit for me to get that, so it might take a couple of weeks, but I'll try to do it as quickly as I can for you.","start":2419.225,"end":2426.205,"sentiment":"neutral","sentiment_score":0.03482565400855882}],"sentiment":"neutral","sentiment_score":0.009384846830597291,"num_words":65,"start":2410.25,"end":2426.205},{"sentences":[{"text":"And I will also reassess those investments and see if we wanna make any of those changes to make sure they're doing the best they can for you, and that we're not doing, obviously, the contribution splitting.","start":2426.425,"end":2436.49,"sentiment":"neutral","sentiment_score":0.07992382699976096},{"text":"Now when Natalie's back at work, just focusing for you your contributions on your super, and then we'll do the same for her.","start":2436.73,"end":2446.405,"sentiment":"neutral","sentiment_score":0.10244172082647034},{"text":"Yeah.","start":2446.405,"end":2446.905,"sentiment":"neutral","sentiment_score":0.09528598189353944},{"text":"Yeah.","start":2448.725,"end":2449.225,"sentiment":"neutral","sentiment_score":0.04267192259430885},{"text":"Yep.","start":2451.285,"end":2451.785,"sentiment":"neutral","sentiment_score":-0.011973618529736996}],"sentiment":"neutral","sentiment_score":0.0863384994279061,"num_words":63,"start":2426.425,"end":2451.785},{"sentences":[{"text":"Yeah.","start":2453.445,"end":2453.945,"sentiment":"neutral","sentiment_score":-0.04571620747447014},{"text":"And I will send, by by tomorrow as well, I will send you that email with the the self managed super fund and the fees with the accountant as well so you have it.","start":2461.0498,"end":2470.17,"sentiment":"positive","sentiment_score":0.3359094253357719},{"text":"And then, obviously, when you have a bit more time, you can have a read through it.","start":2470.17,"end":2473.715,"sentiment":"neutral","sentiment_score":0.23913880744401148},{"text":"If you do have any questions next time we speak, you can always just just bring it up as well.","start":2473.715,"end":2478.695,"sentiment":"neutral","sentiment_score":0.18697371259331702},{"text":"Yep.","start":2480.675,"end":2481.155,"sentiment":"positive","sentiment_score":0.3685759305953979}],"sentiment":"neutral","sentiment_score":0.2677892351089275,"num_words":73,"start":2453.445,"end":2481.155},{"sentences":[{"text":"Perfect.","start":2481.155,"end":2481.5552,"sentiment":"positive","sentiment_score":0.7022732496261597},{"text":"Well, if you don't have any more questions for me today, Xavier, I will let you go.","start":2481.5552,"end":2485.895,"sentiment":"neutral","sentiment_score":0.27169615556212035},{"text":"I get home to the family, and I look forward to speaking with you soon again.","start":2485.955,"end":2490.06,"sentiment":"positive","sentiment_score":0.6450645159929991},{"text":"No problem.","start":2493.08,"end":2493.64,"sentiment":"positive","sentiment_score":0.565632164478302},{"text":"We'll speak soon.","start":2493.64,"end":2494.62,"sentiment":"positive","sentiment_score":0.4336792727311452}],"sentiment":"positive","sentiment_score":0.4634472383902623,"num_words":39,"start":2481.155,"end":2494.62},{"sentences":[{"text":"Bye.","start":2496.36,"end":2496.86,"sentiment":"neutral","sentiment_score":-0.12039454281330109}],"sentiment":"neutral","sentiment_score":-0.12039454281330109,"num_words":1,"start":2496.36,"end":2496.86}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Good afternoon. Oakview Financial. This is Samantha.\n\nChannel 0: Javier Hammond here.\n\nChannel 1: Hello?\n\nChannel 0: I I'm not sure if it was you or someone else. I couldn't hear very well before. Someone just called me before. I had to call them back because I was\n\nChannel 1: Yeah?\n\nChannel 0: on the highway, but I'm able\n\nChannel 1: Of\n\nChannel 0: to talk\n\nChannel 1: course. Yeah. Let me have a look who\n\nChannel 0: to\n\nChannel 1: is giving you a call.\n\nChannel 0: them now. Is it Jasmine or something?\n\nChannel 1: Today is the '24. May have been Veronica. Let me have a look.\n\nChannel 0: That sounds familiar. I couldn't hear it very well.\n\nChannel 1: Okay. Yes. Excellent. It was Veronica giving you a call. Is now a good time to have that discussion with\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: her?\n\nChannel 0: I'll pull\n\nChannel 1: Yeah.\n\nChannel 0: over\n\nChannel 1: Perfect.\n\nChannel 0: there.\n\nChannel 1: Yeah. Not a problem. I'll just go to complete security with you first before I do transfer you through to Veronica. So I'm just going to confirm your date of birth and residential address for security.\n\nChannel 0: 08/10/1980, and\n\nChannel 1: Yep.\n\nChannel 0: my house sorry. House address is Number 9 Slash 24 Jessica Drive, Upper\n\nChannel 1: Yep.\n\nChannel 0: Coomera.\n\nChannel 1: Yep. Perfect. That's what we've got here, Xavier. I'll transfer you through to Veronica, and she'll be the next person to speak with.\n\nChannel 0: No worries.\n\nChannel 1: Alright. Excellent. One moment. Welcome to Hi, Davia. It's\n\nChannel 0: How are you?\n\nChannel 1: Ronnie Kim. Hey. Good. How are you?\n\nChannel 0: Good.\n\nChannel 1: Busy day?\n\nChannel 0: Yeah. Pretty busy. I'm always busy.\n\nChannel 1: Yeah. On your way home now? I still got a few more things to do.\n\nChannel 0: Yeah. Yeah. About five minutes from time.\n\nChannel 1: Oh, yeah. Perfect. Well, I will try not to keep you obviously too long. I'm sure you wanna get home. But, essentially, had you booked in to kinda get their consolidation and those insurances sorted for you.\n\nChannel 0: Yep.\n\nChannel 1: Does that all ring a bell?\n\nChannel 0: Yeah. Yeah. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: I think\n\nChannel 1: No.\n\nChannel 0: we spoke\n\nChannel 1: I know\n\nChannel 0: last like, last year or something. Yeah.\n\nChannel 1: yeah. And I think then it was kind of like we were kind of waiting on you to have that last physio appointment because then that was, like, kind of the last thing for you with the work cover, and then you were kind of back you're obviously at work full time as well or full duty. Would that kind of happen? You had your last appointment back in November, was it?\n\nChannel 0: I think so. Yeah. I can't remember the exact date. I've already told you at the time what it was, but,\n\nChannel 1: Yeah.\n\nChannel 0: yeah,\n\nChannel 1: I\n\nChannel 0: it\n\nChannel 1: have\n\nChannel 0: was\n\nChannel 1: it here\n\nChannel 0: around then.\n\nChannel 1: around around November or so.\n\nChannel 0: Yeah. October,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: November.\n\nChannel 1: Yeah. And so yep.\n\nChannel 0: Sorry. Yeah. It's all good. So the knees are all good. I've been working for, yeah, three months or more now.\n\nSo\n\nChannel 1: Yeah. Perfect. And you're kind of at full duties and stuff for,\n\nChannel 0: Yeah.\n\nChannel 1: like\n\nChannel 0: Yeah.\n\nChannel 1: yeah. Since since October, essentially?\n\nChannel 0: Yep. Yep.\n\nChannel 1: Yep. Alright. Perfect. Now I can go and revisit the insurances for you. I'll have to do a bit of an updated SOA and research just to make sure that, you know, if MetLife is still the best provider for you or if anything has changed.\n\nSo I'll go back\n\nChannel 0: Okay.\n\nChannel 1: and speak to the insurance and see what they say. Now are you still happy with the amounts and everything that was recommended, or would you like to, you know, refresh all of those, or have anything else changed in regards to any of\n\nChannel 0: I can't remember what any of them were, to\n\nChannel 1: those\n\nChannel 0: be honest, because it it's been a long time\n\nChannel 1: goals?\n\nChannel 0: just out of this\n\nChannel 1: No.\n\nChannel 0: journey.\n\nChannel 1: That's okay. Now we were looking at a million dollars for your life and your total permanently disabled, then you can never go back to work again. So we were looking around at a million dollars worth of cover for that.\n\nChannel 0: Yeah.\n\nChannel 1: Are you still happy with, you know, those amounts\n\nChannel 0: I think so.\n\nChannel 1: for\n\nChannel 0: Yeah.\n\nChannel 1: Yep. Yep. Okay. Now we also had an income protection, and that is to cover you for a loss of income if you were temporarily unable to work. Now this one here\n\nChannel 0: Yeah.\n\nChannel 1: is an in income replacement, and it can cover you for up to 70% of your income. So we were looking at a 70% of a 150,000. Is that still your income, or has that changed?\n\nChannel 0: I think and it will be a I'd say it'll probably go up. I'll probably get some more at $1.70, hopefully, this year. I would hit $1.70 last year if I hadn't had the knee injury.\n\nChannel 1: Okay.\n\nChannel 0: But yes. That's sort of one fifty, definitely. Maybe one\n\nChannel 1: Yep.\n\nChannel 0: 70 if if things go well.\n\nChannel 1: Okay. Because when we do look at our income protection, not always. Sometimes they'll ask for a pay slip to confirm it, the amount, like how much you're earning. So if that varies a lot, they could say, oh, well, that's too much. You're not actually earning that much.\n\nBut on the other side as well that if I let's say I do $1.70 and you actually only earn a 150, come claim time, so if you need to go on claim, they will only cover you for 70% of your income at the time of claim. So if at the time you only earn a 150, they'll only cover you for that even though you're technically paying for up to a 170. But at the same\n\nChannel 0: Right.\n\nChannel 1: time, if you do earn a 170, then, obviously, we wanna make sure we cover as much as we can. So, obviously, as is financially something were to happen. So if you if you think that your income is a 170, then I can change it, or if you think 150.\n\nChannel 0: Let's just leave it at $1.50 because we can change the light account. Maybe if we oh,\n\nChannel 1: Yes.\n\nChannel 0: you know what?\n\nChannel 1: So, yeah, you definitely\n\nChannel 0: Put it up.\n\nChannel 1: can. The only thing is by increasing cover, the insurance will be like, well, we are taking on more risk. You definitely can. You would just have to go through, like, the whole application process again because they are taking on more risk. So they will need to do an assessment\n\nChannel 0: So\n\nChannel 1: again.\n\nChannel 0: to to go to $1.70, how much more\n\nChannel 1: Mhmm.\n\nChannel 0: is that than the $1.50? Money is that gonna add up? Is it that much?\n\nChannel 1: I I'll have to run the numbers for you. It's probably not a great deal, to be fair. I'll have to run the numbers too short. I could put it in in the research for you. But if you if you think that it's more around the $1.70, I would say it's always better to do a little bit more because if you want to then decrease it, it's really easy.\n\nIt's just a quick form to say, yep. Cool. It's decreased because the insurers are like, well, we are taking a less risk. We're happy to. It's harder to do the other way.\n\nChannel 0: Yeah. It's a discount $1.70.\n\nChannel 1: Okay. $1.70. Perfect. Now we were looking at about a thirty day waiting period. So, obviously, until that payment would kick in if something were to happen, and then a benefit period of five years.\n\nSo somewhere in the middle, that if you need to be on claim, it would then last for five years. Are you still kind of happy with with that thirty and five years?\n\nChannel 0: Yeah.\n\nChannel 1: Yep. Okay.\n\nChannel 0: So just something here. So, like, this is more covering me for if I've slipped down a set of stairs or something, isn't it out of work or something like that?\n\nChannel 1: Mhmm. So this can be any illness or injury. That means that you cannot go back to work. So it does definitely doesn't have to happen at work or anything like that. It can happen at home.\n\nIt can be on holiday. You could be snowboarding or whatever whatever it might be or get an illness. If you get\n\nChannel 0: Yeah.\n\nChannel 1: diagnosed\n\nChannel 0: Okay.\n\nChannel 1: with an illness or injury, irrespective of where it happens, and you cannot go back\n\nChannel 0: Yeah.\n\nChannel 1: to work, then that's when, you'll be covered.\n\nChannel 0: Because I've I've got what do they call it? What's the insurance that everyone has to have? So so being a like, I'm a casual worker. It's what I claimed with my knee. I forgot the name, but\n\nChannel 1: Oh, work cover? Work cover?\n\nChannel 0: work cover.\n\nChannel 1: Yes.\n\nChannel 0: Like, if I got work cover I mean, I said\n\nChannel 1: Mhmm.\n\nChannel 0: work, I've got work cover.\n\nChannel 1: Yes.\n\nChannel 0: Like, is this does this insurance won't it won't be long. I can get this insurance plus the work cover, or is it?\n\nChannel 1: No.\n\nChannel 0: The\n\nChannel 1: Correct.\n\nChannel 0: work cover cost me 95%.\n\nChannel 1: 100%. That is correct. That is that's the the tricky point that if you if something happen at work and you're on work cover and your work cover pays more than 70 percent of your income, the income protection will not be paid out.\n\nChannel 0: Yeah. Well, that that's high five eighty\n\nChannel 1: Yeah.\n\nChannel 0: 4%.\n\nChannel 1: So that would mean that your income wouldn't cover I have seen sometimes with work cover, they can cover, like, partials or stuff like that. So if, for example, you're on work cover and work cover would cover 70% sorry, 50% of your income, then there are instances where you can have a top up of an income protection. But most of the time, like you said, it's around 80 or 85%, sometimes even 90% of your income, which is more than the income protection. So the income protection will not be\n\nChannel 0: Right. Okay. Because it's\n\nChannel 1: paid.\n\nChannel 0: sorta like like we struggle on 85%. So 70% isn't really gonna cut it for us. Is there\n\nChannel 1: Yeah.\n\nChannel 0: can we make it higher or not?\n\nChannel 1: Yeah. 70% is the max you can have, unfortunately. And it is\n\nChannel 0: Right.\n\nChannel 1: definitely like that. A lot of clients are like, well, you know, we are struggling with 70. From an income protection point view, that is the most you can have. Sometimes depending on what the reasons are, you can sometimes use trauma as a bit of a buffer. Now we I did make a recommendation on trauma last time, and, again, it is different function.\n\nBut trauma is a different policy that you don't have to prove that you get you know, can return to work or anything like that. If you get a diagnosis that's eligible, you will get a lump sum payment. You don't have to prove that you can't go back to work or anything like that. But let's say you you get that traumatic event happening to you, you get a lump sum. We were looking at about a 150,000 last time.\n\nSometimes people will then use that 150 to top up the the loss of income because it only covers that 70% if you are eligible for it.\n\nChannel 0: Okay.\n\nChannel 1: Does\n\nChannel 0: Alright.\n\nChannel 1: that make sense?\n\nChannel 0: Yeah. Yep. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Alright.\n\nChannel 1: Are you still wanting an income protection,\n\nChannel 0: I\n\nChannel 1: or\n\nChannel 0: think\n\nChannel 1: what\n\nChannel 0: so.\n\nChannel 1: are your\n\nChannel 0: Like,\n\nChannel 1: thoughts?\n\nChannel 0: I mean, I think\n\nChannel 1: Okay.\n\nChannel 0: what what if I do break my leg out of work hours? Well, I can't.\n\nChannel 1: Yeah.\n\nChannel 0: I'm\n\nChannel 1: Exactly.\n\nChannel 0: gonna need something. It's still better than nothing, isn't it?\n\nChannel 1: Exactly. And if you if you can afford it, obviously, in superannuation as well, we'll obviously do. I'll do some updated research on your super and investments as well just to see everything's, you know, doing the way it should be or if you need to make any changes. And I also factor in, obviously, the cost of the insurances and that it doesn't eat away at all your contributions going in. Because at the same time, we obviously want your superannuation to continue to to to grow.\n\nChannel 0: Yeah. Yeah. Definitely.\n\nChannel 1: Yeah. So I'll if you're happy to, I'll do the numbers anyway. I'll run through it with with you once I've had back from all the insurers. You have the cost then, and then you can let me know what your thoughts are.\n\nChannel 0: Alright.\n\nChannel 1: Yep.\n\nChannel 0: And\n\nChannel 1: And\n\nChannel 0: so\n\nChannel 1: yeah.\n\nChannel 0: half my sleep is going on to my wife at the moment.\n\nChannel 1: Yes. The spousal contribution.\n\nChannel 0: So she's got a job now. So\n\nChannel 1: Yes. Yep.\n\nChannel 0: and I'm just a bit lot of stuff, weird stuff going on in the world.\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: I know I know I put a fair bit into high risk. I was just wondering how is it all going? Like, what's what is happening with it all? What I don't know much.\n\nChannel 1: Yeah. I'm sorry. Let me see if I can go into your account right now. Now I will do, update research on everything as well as in-depth for you, as part of the the research there when I do look at insurances to see. And like you said as well, things have definitely there's a lot happening in in the world and in the market that has caused fluctuations.\n\nSome of it is cyclical. Let me have a look here. So I'll try to log in for you and and see. But, obviously, because Natalie is working and it you obviously want the contributions to go to your fund, that's perfectly fine. I might send her an email.\n\nWe'll tryna get her booked in for a different catch up to reassess things for her as well now when she is working and getting contributions because that obviously would change a little bit for her. But let's see if I can have a look here. So at the moment, your super balance is at 167,075. Now let me see here. When I have a look at your investments, most of them have been doing pretty okay, but there is one that recently have underperformed, which is why I do really wanna research your investments and look to change that one.\n\nNow that is your Benelong Australian equity. So that one was added to your portfolio because it is that kind of that active management side of it, and it's designed to China. They are kind of actively buying and selling investments. They're trying to outperform the market, and that forms part of that kind of high growth portfolio for you. Historically, they have done really, really well, but more recently, they've kind of underperformed a little bit.\n\nBut the biggest reason why is that one of their investments, so not them per se, but one of their investments that they had in their portfolio was Corporate Travel Group. They had a bit of issues with their reporting, which caused their their prices to fall. So if that one isn't going to be the best for you moving forward, we do wanna look at changing that through something else. Similar function, but it's doing a little bit better for you. And the good thing with twenty four is that there's hundreds of different options for us to choose from, so we can very easily make that change.\n\nSo making sure that at all points in time, we do have you in the best option. That was probably a\n\nChannel 0: Yep.\n\nChannel 1: lot of information for you. I will put everything in the research paper with the insurances for you. So once I kind of deep dive a little bit more into the investments, but definitely, especially that investment, I will put together the recommendations. I will run through that with you and see what your thoughts\n\nChannel 0: And then there's still $10 in my bus queue. Super isn't there or\n\nChannel 1: are. Yes.\n\nChannel 0: not?\n\nChannel 1: Yes. And that is because of the insurances. So we left that open while we were going through the insurance process to get that sorted with MetLife because you do have a bit of insurances in there. And in that interim, I would not want to leave you uninsured. So as soon as we have the insurances sorted for you, we can then roll that over.\n\nI'll do the research, but I if, obviously, appropriate, then we can roll that over and get it all\n\nChannel 0: Okay. Yeah. I was just\n\nChannel 1: Yeah.\n\nChannel 0: I had sort of thought in my head, but now I've lost it. I'll be in the sun all day. Yeah. So that's but yeah. So I haven't really done much in the time I've been in there because I thought I was at about one eighty before we started all this, but\n\nChannel 1: Let me see how much was rolled in. Bear with me. Capital ports. Let me just have a look here for you. Now while I wait for that to load, I do wanna quickly especially with doing the investments actually, I can see here $161.01 at $474.95.\n\nSo then here is this. So it's it's still gone up since then even though we've had especially the last twelve months has probably been the most fluctuation with everything going on.\n\nChannel 0: Yeah.\n\nChannel 1: And, obviously, you still have the the bus queue as well. So\n\nChannel 0: So if these things calm down in the world, you'd expect bigger growth than that, wouldn't you?\n\nChannel 1: yes. Especially on\n\nChannel 0: Yeah.\n\nChannel 1: your growth investments. Now, obviously, being in that high growth portfolio as well, long term, we do see, you know, those those higher returns. Short term, depending on when it is, we see bit of fluctuation. Now typically speaking as well in a high growth portfolio, and that's also why the time frame comes into play a lot by making sure you have enough time in the market for the fluctuations. Because typically in a high growth portfolio, we typically see the likelihood of a negative return about one in five years.\n\nSo, obviously, this this last twelve months have been a bit more turbulent with everything going on, especially the, suspense on the corporate travel group in Bennelong. It's not obviously out of the norm for the market to behave this way as well that sometimes during the period, there will be ups and downs as long as the the foundation of the investments and everything is very diversified and is very solid for you.\n\nChannel 0: Yeah. And and when I spoke a while ago with you is I was sort of thinking towards doing, like, like, super where I own a property rather than these investments.\n\nChannel 1: Mhmm. Yep. Yeah. It's like\n\nChannel 0: At\n\nChannel 1: a self\n\nChannel 0: the time\n\nChannel 1: managed super\n\nChannel 0: I think I think I think you said you're better off having about 200 in in your before\n\nChannel 1: fund.\n\nChannel 0: you do that.\n\nChannel 1: Yeah. That's what ASIC says. So ASIC say that in order to kinda make it worth it from a fee point of view, because there's obviously a lot more compliance and legislation in regards to your self managed super fund, they suggest a minimum of $2.50 to go down that way. Obviously, if you have property and stuff like that, you obviously need to make sure you have enough to facilitate it. Some industry experts have that around the 500 mark.\n\nSo it's quite different, but ASIC says that the minimum of $2.50, they suggest, to make it work. That's a\n\nChannel 0: Yeah.\n\nChannel 1: as a guideline from a cost point of view. Some clients, it will work really well for. Otherwise, other clients, not great. So self management are great from an investment point of view for some people. Definitely not for everyone, especially because how it's designed, it's for you to self manage.\n\nSo you would be the trustee. You would have the responsibility of managing everything and making sure it stays compliant. You would then have an annual tax return and order done on the self managed super fund by an accountant. Obviously, if you have a a property side of it, which is most of the time where people do go down the self managed super side side of it, if you have a loan through it, you would have a different self super funds or rental income and stuff like that with contributions, and then obviously expenses and everything like that. The mortgage payment would come out.\n\nSo it is a bit more complex in that way. Where we would come into play is if you would want a investment portfolio alongside the property. So if you want that along with the property, then we can manage that side. Otherwise, the self managed super fund is something that you would predominantly manage yourself, and then obviously have the accountant from all the auditing and compliance and documentation point of view.\n\nChannel 0: Yeah. I I I met a guy the other day, and he was along the belief that you could do it with one fifty. But\n\nChannel 1: Technically,\n\nChannel 0: yeah. I don't\n\nChannel 1: you\n\nChannel 0: know.\n\nChannel 1: technically, you probably could deal with anything. It's more for making it making it worse from a fee. So if you have a 150,000, you could set it up. But then if you have you know? I'll see here if I can find what the accountants typically charge from it to get it set up.\n\nIt only depends on which account firm you use and everything like that. The the thing to be more careful for is just the fee. And would you guys would you be just you, or would you guys be combining your superannuation?\n\nChannel 0: I don't know. I'm not sure. I don't know if I wanna do this at all. I was just I'm just curious about it.\n\nChannel 1: Yeah.\n\nChannel 0: I was just\n\nChannel 1: Well, what what I can do, sir, obviously, make it easy, sorry, I don't keep you too long, is I will send you an email. I'll include the the pricing as well of what the minute super fund, and I can also send you that link to ASIC, where they do talk about it. That's just what they suggest as a minimum to make it worthwhile the fees. But you can technically set it up with less. I wouldn't recommend doing it with less because of the fee.\n\nBut if you tell me, hey. This is what I wanna do, and I know someone that can do it for me. That's what I want. There's obviously no obligation.\n\nChannel 0: Yeah. Yeah. Yeah.\n\nChannel 1: But we obviously do have to follow all that best interest duty, making sure that everything we do recommend for you is going to put you in a better position and be the best for you. And from all the research I've done with the self managed super fund, if we have a super balance of around 150, the fees are quite quite large. And if I then kind of project based on what the returns on the investments can do over the long term versus, obviously, the the property increase, it it tend not to outperform. Obviously, you never know obviously, if you get a really good niche property, that can do really, really well. You can also maybe not get so much growth, some investments as well.\n\nSo there's obviously risks with both.\n\nChannel 0: Why\n\nChannel 1: But then you obviously have to think about liquidation and everything like that as well with property.\n\nChannel 0: do the fees go up because you got less money?\n\nChannel 1: Why do the fees go up because you have less money?\n\nChannel 0: Yeah. Like you're saying that at at $1.50, that the fees will be higher than if it's at 250 or or what?\n\nChannel 1: The the the fees tend to stay the same, but then if you do it based on the percentage of the balance that you have, you'll obviously get left with a lot less. So let's say if it costs $10,000, if you have a $150,150,000 in there, then if you do a percentage of the 10,000 of that, it's obviously a lot more. But then compounding will grow than if you have more money in there.\n\nChannel 0: Yeah. So I really need the rent to be paying the whole mortgage out. Each\n\nChannel 1: So yeah. And that will be the mortgage because then you have the auditing fees. You have the compliance fees. Just to that's\n\nChannel 0: Okay.\n\nChannel 1: just admin administration side on top of it. If you then have an investment portfolio, you might have adviser fees on top of that. You have the platform fees where things are being held, like the cash accounts and stuff like that with the self managed super funds.\n\nChannel 0: Okay. Yeah.\n\nChannel 1: But\n\nChannel 0: If you\n\nChannel 1: what\n\nChannel 0: can send\n\nChannel 1: I can\n\nChannel 0: me some info, that that'd be good to have a\n\nChannel 1: yeah.\n\nChannel 0: read. Sorry.\n\nChannel 1: Yeah.\n\nChannel 0: I'm getting I'm getting you sidetracked here. I didn't mean to. I was\n\nChannel 1: No. No. By by all means, I will send email. It probably won't be today, but I will try\n\nChannel 0: That's\n\nChannel 1: to send\n\nChannel 0: alright.\n\nChannel 1: it by end of business day tomorrow, some information for you. And I will send you just some general accounting fee as well so that you know what those kind of auditing fees and stuff like that is that I'm that I'm talking about. So\n\nChannel 0: And then just for those insurances,\n\nChannel 1: mhmm.\n\nChannel 0: so once they're in in place, like, is there, like, lag time of of, like, where I'm gonna have to keep my real insurance going to cover because, like, the original reason that\n\nChannel 1: Mhmm.\n\nChannel 0: you came to us was because of the real insurance. We're paying, like, a $100 a month or whatever it is.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: Do we have to let them cross over for a while so there's full cover and everything? Or or what is the\n\nChannel 1: Yeah. Yeah. No.\n\nChannel 0: where do\n\nChannel 1: Typically,\n\nChannel 0: we go\n\nChannel 1: for\n\nChannel 0: to?\n\nChannel 1: for for for life insurance and stuff like that, no. As long as your new cover is in place, you are covered. Now there are sometimes a bit of a clause in place for each insurer, and there's, like, a minimum time frame mainly just in regards to not covering if it's due to suicide and stuff like that. But, otherwise,\n\nChannel 0: Raw.\n\nChannel 1: it's no. As soon as your cover is in place, you are then covered, especially life insurance because it's pretty straightforward. It's not where you have you have through, like, private health insurance where you\n\nChannel 0: Yeah.\n\nChannel 1: have waiting periods. It's not like that.\n\nChannel 0: Alright. Okay.\n\nChannel 1: Yeah. So we can\n\nChannel 0: No worries.\n\nChannel 1: definitely yeah. So do you still want me to do a recommendation on the trauma cover for you as well\n\nChannel 0: Yeah.\n\nChannel 1: similar\n\nChannel 0: Yeah.\n\nChannel 1: to\n\nChannel 0: Yeah.\n\nChannel 1: last time. Yep. Okay. I'll run run this\n\nChannel 0: Anything\n\nChannel 1: through.\n\nChannel 0: you think is good that would really help me out of a jam, I want I want done.\n\nChannel 1: Yeah. Yeah. Alright. Well, I will I will run all of this here for you, do the research, let you know. Now there is one thing I do wanna check with you when it comes to investments as well.\n\nI'm not sure if you've read the the latest newsletter that we published, I think, about, like, a week or two ago.\n\nChannel 0: I don't know\n\nChannel 1: Do\n\nChannel 0: if\n\nChannel 1: you\n\nChannel 0: I'm\n\nChannel 1: read\n\nChannel 0: getting\n\nChannel 1: them?\n\nChannel 0: emails from you. So maybe I am. I just haven't seen them. They might be going\n\nChannel 1: Okay.\n\nChannel 0: into the wrong part of my email. I'll have a look. What\n\nChannel 1: Yeah.\n\nChannel 0: what what\n\nChannel 1: May\n\nChannel 0: was on it?\n\nChannel 1: yeah. Maybe have a look at the spam folder if it goes there, but we've recently joined up with BlackRock. Have you ever heard of them? They're they're quite they're one of the largest fund managers.\n\nChannel 0: No. I'm really not.\n\nChannel 1: No. You can obviously Google them and stuff. They are really big. So we've recently teamed up with them very, very recently, actually, and created a SMA. Have you ever heard of that before?\n\nNo. No. I'll try to keep it as as simple as I can because it can get quite technical. But the SMA,\n\nChannel 0: No.\n\nChannel 1: it is a self managed account. Now it works a little bit different to how\n\nChannel 0: Sorry.\n\nChannel 1: your current\n\nChannel 0: Say that\n\nChannel 1: portfolio\n\nChannel 0: it say it again. A self managed bank account, did you say?\n\nChannel 1: self managed account. That's what it stands for, SMA, self managed account.\n\nChannel 0: Right.\n\nChannel 1: So how it works, it's a little bit different to how your current portfolio is set up. So you at the moment have what we would say like a model portfolio. So you actually see every single one of those investments in your portfolio. And if I or we wanna go and make a change to it, like, for example, with the who's underperforming a little bit right now, I would have to go and do, obviously, all the research for you. I'll have to present it in a strategy paper.\n\nI would have to present it to you. You would have to agree through the change, then I can go and make the change for you. So it's it's, you know, obviously, a lot of paperwork and stuff like that, but you would obviously have full control of the changes. The SMA, how that works is a little bit different in that you would be invested in a portfolio. Now the construction of the investments are the same.\n\nYou still have multiple different investment options. The philosophy structure the same, but you would be you would just say that you're invested in one portfolio. So what that allows us to do is that we can very quickly swap and change investments that are potentially underperforming or if we foresee a market trends changing, we can very quickly swap and change those for you without having to go through that whole research paper you have to agree and sign before we can make a change because you've agreed to just invest in the portfolio itself. So then us with Benelon can kind of take away that process of the compliance point and make those changes quickly, which some people are quite happy about that because it allows us to do that more active management very quickly. But it would mean that you would have a little bit less oversight over it.\n\nIs that something that you are open through, or do you prefer kind of having that full oversight\n\nChannel 0: You\n\nChannel 1: of\n\nChannel 0: broke\n\nChannel 1: the\n\nChannel 0: up\n\nChannel 1: changes?\n\nChannel 0: with you broke up with me towards the end there. Some people sorry.\n\nChannel 1: I'll quite yeah. No. That's okay. I'm quite happy with it because it means that we can make quick changes, and you don't have\n\nChannel 0: Yep.\n\nChannel 1: to be part of each step. Whereas some other people do want that full oversight and agree through the changes before\n\nChannel 0: I\n\nChannel 1: they\n\nChannel 0: don't really\n\nChannel 1: happen.\n\nChannel 0: know\n\nChannel 1: What\n\nChannel 0: what you're doing anyway. So\n\nChannel 1: okay.\n\nChannel 0: probably I it's\n\nChannel 1: So\n\nChannel 0: the same thing to me really.\n\nChannel 1: okay. Yeah. So what\n\nChannel 0: So\n\nChannel 1: I can\n\nChannel 0: I\n\nChannel 1: do then, if it's if it's something that you are open to, obviously, assuming that the returns and fees and everything like that makes it worth it, I can factor that into the research. And then once I have all of that, I can then make a recommendation for you. Like I said, the good thing with the SMA means that we can quickly make changes if something happens to then tryna prevent a bit of, you know, fluctuation or very quickly make that because you don't have to sign a document, go through it before it changes. Yeah.\n\nChannel 0: Yeah. I I'd like to you, all these investment things make sense to me. It's just a bunch of names.\n\nChannel 1: Just just no. And that's also why you have us to help to help you with this. You know?\n\nChannel 0: So yeah. So I think I'd I mean, if that if the other way, it would sound like it would make makes more sense to make money\n\nChannel 1: Yeah.\n\nChannel 0: make more money. I mean,\n\nChannel 1: Yeah.\n\nChannel 0: I'm all about making more money.\n\nChannel 1: Okay.\n\nChannel 0: So\n\nChannel 1: Whatever makes you the most money.\n\nChannel 0: yeah.\n\nChannel 1: Yeah. No. That's fair enough. Most people are the same. I will I will include that for you, though.\n\nI will show you the difference. And it's also really good because we can also then combine our investment committee and all research with with BlackRock. And, again, by all means, go and research them. They are massive. So it it just means that there's a lot more in-depth of that, and they have a lot of risk mitigation systems and all this fancy technology as well that we get access to, which, again, just kind of strengthens how we build everything for you.\n\nI know it's probably a lot, but I will do that research for you as long as, obviously, you're open to that. And then whatever is going to give you the most money at the end of it and put you in a better position, I will recommend, and then you can let me know what your thoughts are.\n\nChannel 0: Alright. No\n\nChannel 1: Yeah.\n\nChannel 0: worries.\n\nChannel 1: Now before I let you go as well, I do wanna just check, is there anything else that's changed in your your life, anything with assets, liabilities, anything else that's changed since we spoke last time? It's all the same otherwise.\n\nChannel 0: Yeah. No. It's all the same.\n\nChannel 1: Yep.\n\nChannel 0: Down the track, I I might end up maybe want to start my own business or something. I I don't know. But\n\nChannel 1: Okay. Yeah.\n\nChannel 0: yeah.\n\nChannel 1: That might obviously yeah. Doing kind of, like, the plumbing as well, just your own.\n\nChannel 0: Yeah. I can, like, I could start a business and still keep doing my job I'm doing now. I'll just get paid differently.\n\nChannel 1: Oh, yeah.\n\nChannel 0: But then I could also do other work as well as that just\n\nChannel 1: Yeah.\n\nChannel 0: so that I've got a bit of a background, a bit of a fallback if if\n\nChannel 1: Yeah.\n\nChannel 0: this my current work relies on\n\nChannel 1: Yeah.\n\nChannel 0: contracts and stuff, which will come into an end in the next year or two.\n\nChannel 1: Yep.\n\nChannel 0: We\n\nChannel 1: Yep.\n\nChannel 0: probably well, I'd say we'll we'll win it again, but we we you never know. It might not.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So that\n\nChannel 1: Just that certainty. Yeah.\n\nChannel 0: yeah.\n\nChannel 1: And\n\nChannel 0: I don't know whether that will change things heaps or not, but\n\nChannel 1: can always reassess it. You know, it is part of, you know, the ongoing service, and we always continue to reassess it when things change in your life because, you know, that might change contributions into super. We might wanna change some insurances. You know, there might be other things we we can assist you with in that area. So we can definitely you know, if it is something that you're looking at, you know, down the track and and stuff, we can definitely see if we want to tweak and change anything for you.\n\nChannel 0: Yeah. Okay. Oh, yeah. Alright. I'm holding up too much here.\n\nSorry. I'm\n\nChannel 1: No.\n\nChannel 0: gonna have to play.\n\nChannel 1: No. That's okay. You're still doing about that forty hours per week employed casual otherwise?\n\nChannel 0: Yeah. Yep.\n\nChannel 1: Yeah. Yeah. Now I do quickly just because I do go back to the insurers, I wanna make sure I have all the correct information. Now with your health, I have the pre assessment here, so I won't go through the whole thing. Have you had any new illnesses or new medications or anything since, we spoke to you last and did the pre assessment about a year ago?\n\nAny new medications or illnesses or anything like that?\n\nChannel 0: No. I'm not\n\nChannel 1: No.\n\nChannel 0: on any medications. No.\n\nChannel 1: Yep. Okay. Perfect. Now I do have here as well that you had a injury in this I'm gonna I'm not pronouncing this correctly, so apologies. Sacralic joints, kind of where the spine meets the hip about eight or nine years ago.\n\nDoes that ring a bell?\n\nChannel 0: Yeah.\n\nChannel 1: Yeah?\n\nChannel 0: It's probably even more than that.\n\nChannel 1: Okay. How long do you think? Because it's\n\nChannel 0: I\n\nChannel 1: good.\n\nChannel 0: think it'd\n\nChannel 1: Then\n\nChannel 0: be it'd be it'd\n\nChannel 1: mhmm.\n\nChannel 0: be ten years now.\n\nChannel 1: Oh, three. Sweet. Perfect.\n\nChannel 0: Because\n\nChannel 1: I\n\nChannel 0: when\n\nChannel 1: will\n\nChannel 0: me\n\nChannel 1: update\n\nChannel 0: and my\n\nChannel 1: that.\n\nChannel 0: wife first started diet, it was when it happened, and that's that's ten years in in March. So\n\nChannel 1: Perfect. For me, it's actually ten years with my husband in April. So there you go.\n\nChannel 0: congratulations.\n\nChannel 1: Yeah. You too. Alright. So ten years. When was the last time you had any, like, symptoms or issues with it?\n\nChannel 0: I haven't really had anything since then. Like,\n\nChannel 1: Okay.\n\nChannel 0: nothing\n\nChannel 1: Perfect.\n\nChannel 0: nothing that's prevented me from doing anything.\n\nChannel 1: Okay. Perfect. So about ten years ago, it happened, and about nine to ten years was the last time you had any kind of issues or symptoms from\n\nChannel 0: Yeah. Yeah. I I went\n\nChannel 1: it. Yep.\n\nChannel 0: on work at comp whatever it was back then, and I was off work for about two or three months.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: I I know it wasn't so much that it got badly damaged in any way. It was more just a bunch of muscles that spasmed up real bad.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Like, it wasn't really as, like, a like, like a from doing a physio, I fixed it. Like, there was no surgery or anything like that. Like,\n\nChannel 1: Yeah.\n\nChannel 0: it was just an injury\n\nChannel 1: Yeah.\n\nChannel 0: really, not not that much of\n\nChannel 1: Yeah.\n\nChannel 0: not\n\nChannel 1: Great.\n\nChannel 0: so much of a a constant problem or anything.\n\nChannel 1: No. Perfect. That's good. I'll update that. Now I do have here as well, obviously, a condition similar to condition.\n\nLast time you had any symptoms or experience anything in regards to it was in 2012. Does that roughly sound about\n\nChannel 0: Yeah.\n\nChannel 1: right?\n\nChannel 0: That'll\n\nChannel 1: Yep.\n\nChannel 0: be right. Yep.\n\nChannel 1: Yep. Perfect. And now, obviously, with the knee, it happened, I have here March 2025. Obviously, last time we spoke, it was ongoing. But when was the last time you kind of had any symptoms or issues?\n\nWas that around when when was the last time, would you\n\nChannel 0: Well, it's taking a little bit to get over. This it's not I took my GP. He just said there's, like, nerves and things in the knee take a while to heal up.\n\nChannel 1: say? Yeah. Yes.\n\nChannel 0: So it was when I last we last spoke, it was just some little stabby feelings at times that are just\n\nChannel 1: Yep.\n\nChannel 0: it's just nerves twitching and things\n\nChannel 1: Yeah.\n\nChannel 0: like that. But\n\nChannel 1: Okay. So kind\n\nChannel 0: I haven't\n\nChannel 1: of\n\nChannel 0: really had any of that sort of stuff.\n\nChannel 1: yeah.\n\nChannel 0: I don't know.\n\nChannel 1: Okay.\n\nChannel 0: When it stops happening, you still stop thinking about it. But\n\nChannel 1: No. So kind\n\nChannel 0: yeah. I haven't\n\nChannel 1: of October roughly, and it's obviously\n\nChannel 0: yeah.\n\nChannel 1: not prevent not preventing you to work anymore or anything like that. Just sometimes a little bit of twitches and tingles, did you say?\n\nChannel 0: Yeah. I'm not really I don't really get anything more. I haven't heard that this\n\nChannel 1: Okay.\n\nChannel 0: year.\n\nChannel 1: Okay.\n\nChannel 0: Well, background October, I'll still get in touch touch with that. But\n\nChannel 1: So yeah. Okay. Perfect. So about October then 2025 was about last time. Any issues?\n\nChannel 0: yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Alright. Perfect. And then November, I have here was last time you had physio, which was good. And would you say that the knee is kind of back now to about a 100% recovery?\n\nChannel 0: Yeah. It's on I'd say it's probably stronger than the other knee now.\n\nChannel 1: That's perfect. That's good. Sometimes that's often the case. And no medications or anything like that. And let me see\n\nChannel 0: No.\n\nChannel 1: here.\n\nChannel 0: No.\n\nChannel 1: No. That was that was everything. So what I'll do now is I'll go back to to the insurance. I'll reassess who's going to be the best provider for you. Now the insurance can sometimes take a little bit for me to get that, so it might take a couple of weeks, but I'll try to do it as quickly as I can for you.\n\nAnd I will also reassess those investments and see if we wanna make any of those changes to make sure they're doing the best they can for you, and that we're not doing, obviously, the contribution splitting. Now when Natalie's back at work, just focusing for you your contributions on your super, and then we'll do the\n\nChannel 0: Yeah. I\n\nChannel 1: same\n\nChannel 0: kinda\n\nChannel 1: for her.\n\nChannel 0: wanna\n\nChannel 1: Yeah.\n\nChannel 0: build this as fast as I can and then would\n\nChannel 1: Yeah.\n\nChannel 0: like to go down to the property road probably because I just\n\nChannel 1: Yep.\n\nChannel 0: think\n\nChannel 1: Yeah.\n\nChannel 0: I don't know. I can't see property stopping anytime soon.\n\nChannel 1: And I will send, by by tomorrow as well, I will send you that email with the the self managed super fund and the fees with the accountant as well so you have it. And then, obviously, when you have a bit more time, you can have a read through it. If you do have any questions next time we speak, you can always just just bring it up as well.\n\nChannel 0: Alright.\n\nChannel 1: Yep. Perfect. Well, if you don't have any more questions for me today, Xavier, I will let you go. I get home to the family, and I look forward to speaking with you soon again.\n\nChannel 0: Okay. Thank you very much.\n\nChannel 1: No problem. We'll speak soon.\n\nChannel 0: Bye bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":1.12,"end":1.8399999,"sentiment":"positive","sentiment_score":0.359859362244606},{"text":"Oakview Financial.","start":1.8399999,"end":2.8,"sentiment":"neutral","sentiment_score":0.1934492290019989},{"text":"This is Samantha.","start":2.8,"end":3.6999998,"sentiment":"neutral","sentiment_score":0.10268155485391617}],"sentiment":"neutral","sentiment_score":0.20209454957927978,"channel":1,"num_words":7,"start":1.12,"end":3.6999998},{"sentences":[{"text":"Javier Hammond here.","start":5.2799997,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.06650301069021225}],"sentiment":"neutral","sentiment_score":0.06650301069021225,"channel":0,"num_words":3,"start":5.2799997,"end":7.8599997},{"sentences":[{"text":"Hello?","start":8.639999,"end":9.139999,"sentiment":"neutral","sentiment_score":0.008116977289319038}],"sentiment":"neutral","sentiment_score":0.008116977289319038,"channel":1,"num_words":1,"start":8.639999,"end":9.139999},{"sentences":[{"text":"I I'm not sure if it was you or someone else.","start":8.96,"end":11.759999,"sentiment":"neutral","sentiment_score":-0.1763417815620249},{"text":"I couldn't hear very well before.","start":11.759999,"end":13.219999,"sentiment":"negative","sentiment_score":-0.3687671273946762},{"text":"Someone just called me before.","start":15.134999,"end":16.414999,"sentiment":"neutral","sentiment_score":-0.16500287055969237},{"text":"I had to call them back because I was","start":16.414999,"end":17.695,"sentiment":"neutral","sentiment_score":-0.10760515141818258}],"sentiment":"neutral","sentiment_score":-0.1918007444229818,"channel":0,"num_words":31,"start":8.96,"end":17.695},{"sentences":[{"text":"Yeah?","start":17.665,"end":18.165,"sentiment":"neutral","sentiment_score":-0.03928370028734207}],"sentiment":"neutral","sentiment_score":-0.03928370028734207,"channel":1,"num_words":1,"start":17.665,"end":18.165},{"sentences":[{"text":"on the highway, but I'm able","start":17.695,"end":20.255,"sentiment":"neutral","sentiment_score":-0.04395991191267967}],"sentiment":"neutral","sentiment_score":-0.04395991191267967,"channel":0,"num_words":6,"start":17.695,"end":20.255},{"sentences":[{"text":"Of","start":20.225,"end":20.385,"sentiment":"neutral","sentiment_score":-0.03596518561244011}],"sentiment":"neutral","sentiment_score":-0.03596518561244011,"channel":1,"num_words":1,"start":20.225,"end":20.385},{"sentences":[{"text":"to talk","start":20.255,"end":20.835,"sentiment":"neutral","sentiment_score":-0.06371626630425453}],"sentiment":"neutral","sentiment_score":-0.06371626630425453,"channel":0,"num_words":2,"start":20.255,"end":20.835},{"sentences":[{"text":"course.","start":20.385,"end":20.885,"sentiment":"neutral","sentiment_score":-0.08158190548419952},{"text":"Yeah.","start":21.665,"end":21.985,"sentiment":"neutral","sentiment_score":-0.016374245285987854},{"text":"Let me have a look who","start":21.985,"end":23.025,"sentiment":"neutral","sentiment_score":-0.0141795608215034}],"sentiment":"neutral","sentiment_score":-0.022879189462400973,"channel":1,"num_words":8,"start":20.385,"end":23.025},{"sentences":[{"text":"to","start":22.935,"end":23.435,"sentiment":"neutral","sentiment_score":-0.012072362005710602}],"sentiment":"neutral","sentiment_score":-0.012072362005710602,"channel":0,"num_words":1,"start":22.935,"end":23.435},{"sentences":[{"text":"is giving you a call.","start":23.025,"end":24.325,"sentiment":"neutral","sentiment_score":-0.005111818388104439}],"sentiment":"neutral","sentiment_score":-0.005111818388104439,"channel":1,"num_words":5,"start":23.025,"end":24.325},{"sentences":[{"text":"them now.","start":25.535,"end":26.015,"sentiment":"neutral","sentiment_score":-0.012770703062415123},{"text":"Is it Jasmine or something?","start":26.015,"end":27.395,"sentiment":"neutral","sentiment_score":-0.010933829843997956}],"sentiment":"neutral","sentiment_score":-0.011458650763545717,"channel":0,"num_words":7,"start":25.535,"end":27.395},{"sentences":[{"text":"Today is the '24.","start":31.759998,"end":35.46,"sentiment":"neutral","sentiment_score":0.0000845846370793879},{"text":"May have been Veronica.","start":35.68,"end":36.98,"sentiment":"neutral","sentiment_score":-0.0027474507223814726},{"text":"Let me have a 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we also had an income protection, and that is to cover you for a loss of income if you were temporarily unable to work.","start":258.72,"end":267.04498,"sentiment":"neutral","sentiment_score":0.01496833935379982},{"text":"Now this one here","start":267.425,"end":268.465,"sentiment":"neutral","sentiment_score":0.061271389946341515}],"sentiment":"neutral","sentiment_score":0.02460400213021785,"channel":1,"num_words":32,"start":256.72,"end":268.465},{"sentences":[{"text":"Yeah.","start":268.34,"end":268.84,"sentiment":"neutral","sentiment_score":0.10622014105319975}],"sentiment":"neutral","sentiment_score":0.10622014105319975,"channel":0,"num_words":1,"start":268.34,"end":268.84},{"sentences":[{"text":"is an in income replacement, and it can cover you for up to 70% of your income.","start":268.465,"end":274.965,"sentiment":"neutral","sentiment_score":0.10622753334396026},{"text":"So we were looking at a 70% of a 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my sleep is going on to my wife at the moment.","start":747.4,"end":750.06,"sentiment":"neutral","sentiment_score":-0.02091144071891904}],"sentiment":"neutral","sentiment_score":-0.02091144071891904,"channel":0,"num_words":12,"start":747.4,"end":750.06},{"sentences":[{"text":"Yes.","start":751.015,"end":751.495,"sentiment":"neutral","sentiment_score":0.025132641196250916},{"text":"The spousal contribution.","start":751.495,"end":752.79,"sentiment":"neutral","sentiment_score":-0.0013854022448261578}],"sentiment":"neutral","sentiment_score":0.0052441086154431105,"channel":1,"num_words":4,"start":751.015,"end":752.79},{"sentences":[{"text":"So she's got a job now.","start":754.68,"end":756.36,"sentiment":"neutral","sentiment_score":-0.00924004583309094},{"text":"So","start":756.36,"end":756.86,"sentiment":"neutral","sentiment_score":0.006516911089420319}],"sentiment":"neutral","sentiment_score":-0.006989051987017904,"channel":0,"num_words":7,"start":754.68,"end":756.86},{"sentences":[{"text":"Yes.","start":756.37,"end":756.77,"sentiment":"neutral","sentiment_score":0.012663593515753746},{"text":"Yep.","start":756.77,"end":757.27,"sentiment":"neutral","sentiment_score":-0.012353791855275633}],"sentiment":"neutral","sentiment_score":0.00015490083023905667,"channel":1,"num_words":2,"start":756.37,"end":757.27},{"sentences":[{"text":"and I'm just a bit lot of stuff, weird stuff going on in the world.","start":758.44,"end":762.755,"sentiment":"neutral","sentiment_score":-0.09894618391990662}],"sentiment":"neutral","sentiment_score":-0.09894618391990662,"channel":0,"num_words":15,"start":758.44,"end":762.755},{"sentences":[{"text":"Mhmm.","start":763.49,"end":763.74,"sentiment":"neutral","sentiment_score":-0.07858958840370178},{"text":"Yeah.","start":763.74,"end":764.24,"sentiment":"neutral","sentiment_score":-0.1132691353559494}],"sentiment":"neutral","sentiment_score":-0.09592936187982559,"channel":1,"num_words":2,"start":763.49,"end":764.24},{"sentences":[{"text":"I know I know I put a fair bit into high risk.","start":763.935,"end":766.595,"sentiment":"neutral","sentiment_score":-0.2181794469555219},{"text":"I was just wondering how is it all going?","start":768.255,"end":770.095,"sentiment":"neutral","sentiment_score":-0.14327373107274374},{"text":"Like, what's what is happening with it all?","start":770.095,"end":772.495,"sentiment":"neutral","sentiment_score":-0.1458202162757516},{"text":"What I don't know much.","start":772.495,"end":774.115,"sentiment":"neutral","sentiment_score":-0.24367824494838713}],"sentiment":"neutral","sentiment_score":-0.18507558523732073,"channel":0,"num_words":34,"start":763.935,"end":774.115},{"sentences":[{"text":"Yeah.","start":775.815,"end":776.29504,"sentiment":"neutral","sentiment_score":-0.15749461948871613},{"text":"I'm sorry.","start":776.29504,"end":776.85504,"sentiment":"neutral","sentiment_score":-0.18864424526691437},{"text":"Let me see if I can go into your account right now.","start":776.85504,"end":779.755,"sentiment":"neutral","sentiment_score":-0.06803286510209243},{"text":"Now I will do, update research on everything as well as in-depth for you, as part of the the research there when I do look at insurances to see.","start":780.05505,"end":790.01,"sentiment":"neutral","sentiment_score":0.04864702129672314},{"text":"And like you said as well, things have definitely there's a lot happening in in the world and in the market that has caused fluctuations.","start":791.03,"end":799.025,"sentiment":"neutral","sentiment_score":-0.09310666352510452}],"sentiment":"neutral","sentiment_score":-0.03287073133000429,"channel":1,"num_words":69,"start":775.815,"end":799.025},{"sentences":[{"text":"Some of it is cyclical.","start":801.005,"end":802.305,"sentiment":"neutral","sentiment_score":-0.1029581993818283},{"text":"Let me have a look here.","start":803.885,"end":805.245,"sentiment":"neutral","sentiment_score":0.02618545200675726},{"text":"So I'll try to log in for you and and see.","start":805.245,"end":807.665,"sentiment":"neutral","sentiment_score":0.08817581358281049},{"text":"But, obviously, because Natalie is working and it you obviously want the contributions to go to your fund, that's perfectly fine.","start":807.965,"end":816.32,"sentiment":"neutral","sentiment_score":0.32638278887385413},{"text":"I might send her an email.","start":816.77997,"end":818.06,"sentiment":"neutral","sentiment_score":0.2694372509916623}],"sentiment":"neutral","sentiment_score":0.1853656680988414,"channel":1,"num_words":49,"start":801.005,"end":818.06},{"sentences":[{"text":"We'll tryna get her booked in for a different catch up to reassess things for her as well now when she is working and getting contributions because that obviously would change a little bit for her.","start":818.06,"end":827.395,"sentiment":"neutral","sentiment_score":0.28035033370057744},{"text":"But let's see if I can have a look here.","start":828.575,"end":830.495,"sentiment":"neutral","sentiment_score":0.06068433709442615},{"text":"So at the moment, your super balance is at 167,075.","start":830.495,"end":839.94,"sentiment":"neutral","sentiment_score":0.07157324813306332},{"text":"Now let me see here.","start":840.72,"end":842.89996,"sentiment":"neutral","sentiment_score":0.042539071291685104},{"text":"When I have a look at your investments, most of them have been doing pretty okay, but there is one that recently have underperformed, which is why I do really wanna research your investments and look to change that one.","start":843.19995,"end":858.425,"sentiment":"neutral","sentiment_score":0.026897107623517512}],"sentiment":"neutral","sentiment_score":0.12577987650390898,"channel":1,"num_words":101,"start":818.06,"end":858.425},{"sentences":[{"text":"Now that is your Benelong Australian equity.","start":858.425,"end":861.085,"sentiment":"neutral","sentiment_score":0.13891707360744476},{"text":"So that one was added to your portfolio because it is that kind of that active management side of it, and it's designed to China.","start":862.34503,"end":870.13,"sentiment":"neutral","sentiment_score":0.18177838921546935},{"text":"They are kind of actively buying and selling investments.","start":870.83,"end":873.57,"sentiment":"neutral","sentiment_score":0.2096107237868839},{"text":"They're trying to outperform the market, and that forms part of that kind of high growth portfolio for you.","start":873.71,"end":880.055,"sentiment":"neutral","sentiment_score":0.29691876941605616},{"text":"Historically, they have done really, really well, but more recently, they've kind of underperformed a little bit.","start":880.35504,"end":886.91504,"sentiment":"neutral","sentiment_score":-0.14538579675204613}],"sentiment":"neutral","sentiment_score":0.13731524459533878,"channel":1,"num_words":77,"start":858.425,"end":886.91504},{"sentences":[{"text":"But the biggest reason why is that one of their investments, so not them per se, but one of their investments that they had in their portfolio was Corporate Travel Group.","start":886.91504,"end":898.43005,"sentiment":"neutral","sentiment_score":-0.20127538904067008},{"text":"They had a bit of issues with their reporting, which caused their their prices to fall.","start":898.89,"end":904.75,"sentiment":"negative","sentiment_score":-0.46759056113660336},{"text":"So if that one isn't going to be the best for you moving forward, we do wanna look at changing that through something else.","start":905.37,"end":913.73505,"sentiment":"neutral","sentiment_score":-0.3194629494100809},{"text":"Similar function, but it's doing a little bit better for you.","start":914.275,"end":917.575,"sentiment":"neutral","sentiment_score":0.16006929766048084},{"text":"And the good thing with twenty four is that there's hundreds of different options for us to choose from, so we can very easily make that change.","start":917.875,"end":925.61,"sentiment":"positive","sentiment_score":0.6057437834916292}],"sentiment":"neutral","sentiment_score":-0.03002066418118433,"channel":1,"num_words":109,"start":886.91504,"end":925.61},{"sentences":[{"text":"So making sure that at all points in time, we do have you in the best option.","start":925.99,"end":930.08997,"sentiment":"positive","sentiment_score":0.5790105865282171},{"text":"That was probably a","start":931.83,"end":932.55,"sentiment":"positive","sentiment_score":0.34308070689439774}],"sentiment":"positive","sentiment_score":0.534071561836061,"channel":1,"num_words":21,"start":925.99,"end":932.55},{"sentences":[{"text":"Yep.","start":932.455,"end":932.955,"sentiment":"neutral","sentiment_score":0.3287522494792938}],"sentiment":"neutral","sentiment_score":0.3287522494792938,"channel":0,"num_words":1,"start":932.455,"end":932.955},{"sentences":[{"text":"lot of information for you.","start":932.55,"end":935.545,"sentiment":"positive","sentiment_score":0.36624746918678286},{"text":"I will put everything in the research paper with the insurances for you.","start":935.545,"end":940.58496,"sentiment":"neutral","sentiment_score":0.28709579889590925},{"text":"So once I kind of deep dive a little bit more into the investments, but definitely, especially that investment, I will put together the recommendations.","start":940.58496,"end":949.91003,"sentiment":"neutral","sentiment_score":0.20219314575195313},{"text":"I will run through that with you and see what your thoughts","start":950.37,"end":954.39,"sentiment":"neutral","sentiment_score":0.07044265543421109}],"sentiment":"neutral","sentiment_score":0.20842951346527447,"channel":1,"num_words":55,"start":932.55,"end":954.39},{"sentences":[{"text":"And then there's still $10 in my bus queue.","start":956.015,"end":959.23505,"sentiment":"neutral","sentiment_score":0.00820342611728443},{"text":"Super isn't there or","start":959.53503,"end":961.135,"sentiment":"neutral","sentiment_score":-0.26126470416784286}],"sentiment":"neutral","sentiment_score":-0.07470984473967782,"channel":0,"num_words":13,"start":956.015,"end":961.135},{"sentences":[{"text":"are.","start":961.01,"end":961.09,"sentiment":"neutral","sentiment_score":-0.2360354959964752},{"text":"Yes.","start":961.09,"end":961.59,"sentiment":"neutral","sentiment_score":-0.04374976456165314}],"sentiment":"neutral","sentiment_score":-0.13989263027906418,"channel":1,"num_words":2,"start":961.01,"end":961.59},{"sentences":[{"text":"not?","start":961.135,"end":961.635,"sentiment":"neutral","sentiment_score":-0.06133044511079788}],"sentiment":"neutral","sentiment_score":-0.06133044511079788,"channel":0,"num_words":1,"start":961.135,"end":961.635},{"sentences":[{"text":"Yes.","start":962.05005,"end":962.385,"sentiment":"neutral","sentiment_score":0.00978354923427105},{"text":"And that is because of the insurances.","start":962.865,"end":964.805,"sentiment":"neutral","sentiment_score":-0.07198599459869522},{"text":"So we left that open while we were going through the insurance process to get that sorted with MetLife because you do have a bit of insurances in there.","start":965.505,"end":974.805,"sentiment":"neutral","sentiment_score":0.0042610370136540515},{"text":"And in that interim, I would not want to leave you uninsured.","start":975.185,"end":979.39,"sentiment":"neutral","sentiment_score":-0.1525330782557527},{"text":"So as soon as we have the insurances sorted for you, we can then roll that over.","start":980.73004,"end":986.35004,"sentiment":"neutral","sentiment_score":0.14953051814261606}],"sentiment":"neutral","sentiment_score":0.005167780754466851,"channel":1,"num_words":66,"start":962.05005,"end":986.35004},{"sentences":[{"text":"I'll do the research, but I if, obviously, appropriate, then we can roll that over and get it 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with me.","start":1031.5499,"end":1032.69,"sentiment":"neutral","sentiment_score":-0.008921871582667032},{"text":"Capital ports.","start":1036.51,"end":1038.21,"sentiment":"neutral","sentiment_score":0.0200404180213809},{"text":"Let me just have a look here for you.","start":1046.0299,"end":1048.735,"sentiment":"neutral","sentiment_score":0.06482941367559963},{"text":"Now while I wait for that to load, I do wanna quickly especially with doing the investments actually, I can see here $161.01 at $474.95.","start":1057.275,"end":1079.515,"sentiment":"neutral","sentiment_score":0.12343538403511048}],"sentiment":"neutral","sentiment_score":0.0805190660535021,"channel":1,"num_words":47,"start":1027.425,"end":1079.515},{"sentences":[{"text":"So then here is this.","start":1081.895,"end":1083.275,"sentiment":"neutral","sentiment_score":0.07244176492094993},{"text":"So it's it's still gone up since then even though we've had especially the last twelve months has probably been the most fluctuation with everything going on.","start":1084.4551,"end":1097.07,"sentiment":"neutral","sentiment_score":-0.06654678298919289}],"sentiment":"neutral","sentiment_score":-0.044829822378233075,"channel":1,"num_words":32,"start":1081.895,"end":1097.07},{"sentences":[{"text":"Yeah.","start":1097.365,"end":1097.865,"sentiment":"neutral","sentiment_score":0.15939569473266602}],"sentiment":"neutral","sentiment_score":0.15939569473266602,"channel":0,"num_words":1,"start":1097.365,"end":1097.865},{"sentences":[{"text":"And, obviously, you still have the the bus queue as well.","start":1097.45,"end":1102.35,"sentiment":"neutral","sentiment_score":0.21247668835249814},{"text":"So","start":1102.73,"end":1103.175,"sentiment":"neutral","sentiment_score":0.2045225352048874}],"sentiment":"neutral","sentiment_score":0.21181384225686392,"channel":1,"num_words":12,"start":1097.45,"end":1103.175},{"sentences":[{"text":"So if these things calm down in the world, you'd expect bigger growth than that, wouldn't you?","start":1103.605,"end":1108.77,"sentiment":"neutral","sentiment_score":0.21865985674016616}],"sentiment":"neutral","sentiment_score":0.21865985674016616,"channel":0,"num_words":17,"start":1103.605,"end":1108.77},{"sentences":[{"text":"yes.","start":1109.0951,"end":1109.5951,"sentiment":"neutral","sentiment_score":0.08593917638063431},{"text":"Especially on","start":1110.135,"end":1110.775,"sentiment":"neutral","sentiment_score":0.03439779579639435}],"sentiment":"neutral","sentiment_score":0.051578255991141,"channel":1,"num_words":3,"start":1109.0951,"end":1110.775},{"sentences":[{"text":"Yeah.","start":1110.77,"end":1111.27,"sentiment":"neutral","sentiment_score":0.07333675771951675}],"sentiment":"neutral","sentiment_score":0.07333675771951675,"channel":0,"num_words":1,"start":1110.77,"end":1111.27},{"sentences":[{"text":"your growth investments.","start":1110.775,"end":1112.155,"sentiment":"neutral","sentiment_score":0.08554251492023468},{"text":"Now, obviously, being in that high growth portfolio as well, long term, we do see, you know, those those higher returns.","start":1113.255,"end":1121.4501,"sentiment":"neutral","sentiment_score":0.05450684648184549},{"text":"Short term, depending on when it is, we see bit of fluctuation.","start":1121.8301,"end":1125.29,"sentiment":"neutral","sentiment_score":-0.06727791950106621},{"text":"Now typically speaking as well in a high growth portfolio, and that's also why the time frame comes into play a lot by making sure you have enough time in the market for the fluctuations.","start":1126.15,"end":1137.835,"sentiment":"neutral","sentiment_score":-0.0961235008069447},{"text":"Because typically in a high growth portfolio, we typically see the likelihood of a negative return about one in five years.","start":1138.375,"end":1146.5901,"sentiment":"neutral","sentiment_score":-0.2981318522776876}],"sentiment":"neutral","sentiment_score":-0.09816472977399826,"channel":1,"num_words":92,"start":1110.775,"end":1146.5901},{"sentences":[{"text":"So, obviously, this this last twelve months have been a bit more turbulent with everything going on, especially the, suspense on the corporate travel group in Bennelong.","start":1146.5901,"end":1155.3301,"sentiment":"neutral","sentiment_score":-0.15301333450608784},{"text":"It's not obviously out of the norm for the market to behave this way as well that sometimes during the period, there will be ups and downs as long as the the foundation of the investments and everything is very diversified and is very solid for you.","start":1156.8301,"end":1170.555,"sentiment":"neutral","sentiment_score":-0.08351169574133893}],"sentiment":"neutral","sentiment_score":-0.10887040177712569,"channel":1,"num_words":74,"start":1146.5901,"end":1170.555},{"sentences":[{"text":"Yeah.","start":1172.1299,"end":1172.6299,"sentiment":"neutral","sentiment_score":0.018134642392396927},{"text":"And and when I spoke a while ago with you is I was sort of thinking towards doing, like, like, super where I own a property rather than these 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it.","start":1216.1599,"end":1221.14,"sentiment":"neutral","sentiment_score":-0.00814661139711028},{"text":"Some industry experts have that around the 500 mark.","start":1221.36,"end":1225.135,"sentiment":"neutral","sentiment_score":0.00196338113811281}],"sentiment":"neutral","sentiment_score":0.050229867448869314,"channel":1,"num_words":81,"start":1197.965,"end":1225.135},{"sentences":[{"text":"So it's quite different, but ASIC says that the minimum of $2.50, they suggest, to make it work.","start":1225.135,"end":1231.155,"sentiment":"neutral","sentiment_score":0.05405553140574031},{"text":"That's a","start":1232.575,"end":1233.0549,"sentiment":"neutral","sentiment_score":0.024684572592377663}],"sentiment":"neutral","sentiment_score":0.05111843552440405,"channel":1,"num_words":20,"start":1225.135,"end":1233.0549},{"sentences":[{"text":"Yeah.","start":1232.8151,"end":1233.3151,"sentiment":"neutral","sentiment_score":0.024614445865154263}],"sentiment":"neutral","sentiment_score":0.024614445865154263,"channel":0,"num_words":1,"start":1232.8151,"end":1233.3151},{"sentences":[{"text":"as a guideline from a cost point of view.","start":1233.135,"end":1235.375,"sentiment":"neutral","sentiment_score":0.032314141591389976},{"text":"Some clients, it will work really well for.","start":1235.375,"end":1237.5701,"sentiment":"neutral","sentiment_score":0.11243314389139414},{"text":"Otherwise, other clients, not great.","start":1237.87,"end":1239.87,"sentiment":"neutral","sentiment_score":-0.1321217969059944},{"text":"So self management are great from an investment point of view for some people.","start":1239.87,"end":1243.97,"sentiment":"neutral","sentiment_score":0.21307066615138734},{"text":"Definitely not for everyone, especially because how it's designed, it's for you to self manage.","start":1244.27,"end":1251.085,"sentiment":"neutral","sentiment_score":-0.06653336305171251}],"sentiment":"neutral","sentiment_score":0.04930730041700835,"channel":1,"num_words":51,"start":1233.135,"end":1251.085},{"sentences":[{"text":"So you would be the trustee.","start":1251.465,"end":1252.845,"sentiment":"neutral","sentiment_score":0.04128423519432545},{"text":"You would have the responsibility of managing everything and making sure it stays compliant.","start":1252.9049,"end":1257.245,"sentiment":"neutral","sentiment_score":0.10634340931262289},{"text":"You would then have an annual tax return and order done on the self managed super fund by an accountant.","start":1258.0249,"end":1264.9,"sentiment":"neutral","sentiment_score":0.078853590041399},{"text":"Obviously, if you have a a property side of it, which is most of the time where people do go down the self managed super side side of it, if you have a loan through it, you would have a different self super funds or rental income and stuff like that with contributions, and then obviously expenses and everything like that.","start":1265.6001,"end":1287.3251,"sentiment":"neutral","sentiment_score":0.05095756976086585},{"text":"The mortgage payment would come out.","start":1287.3251,"end":1289.1051,"sentiment":"neutral","sentiment_score":0.0012893178888286154}],"sentiment":"neutral","sentiment_score":0.06009095892632189,"channel":1,"num_words":107,"start":1251.465,"end":1289.1051},{"sentences":[{"text":"So it is a bit more complex in that way.","start":1289.4851,"end":1292.26,"sentiment":"neutral","sentiment_score":-0.10463551431894302},{"text":"Where we would come into play is if you would want a investment portfolio alongside the 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fee.","start":1332.735,"end":1335.635,"sentiment":"negative","sentiment_score":-0.4309410805051977},{"text":"So if you have a 150,000, you could set it up.","start":1335.9349,"end":1340.4349,"sentiment":"neutral","sentiment_score":-0.04958694360472939},{"text":"But then if you have you know?","start":1340.495,"end":1342.995,"sentiment":"neutral","sentiment_score":-0.03278046739952905},{"text":"I'll see here if I can find what the accountants typically charge from it to get it set up.","start":1343.695,"end":1348.15,"sentiment":"neutral","sentiment_score":0.08514001004790005}],"sentiment":"neutral","sentiment_score":-0.10114053589376536,"channel":1,"num_words":55,"start":1330.6549,"end":1348.15},{"sentences":[{"text":"It only depends on which account firm you use and everything like that.","start":1348.15,"end":1355.0499,"sentiment":"neutral","sentiment_score":0.025464058208924074},{"text":"The the thing to be more careful for is just the fee.","start":1356.3099,"end":1359.37,"sentiment":"neutral","sentiment_score":-0.10771874027947585},{"text":"And would you guys would you be just you, or would you guys be combining your superannuation?","start":1360.995,"end":1365.8151,"sentiment":"neutral","sentiment_score":0.03225979691042619}],"sentiment":"neutral","sentiment_score":-0.009837513789534569,"channel":1,"num_words":42,"start":1348.15,"end":1365.8151},{"sentences":[{"text":"I don't know.","start":1369.1151,"end":1370.015,"sentiment":"neutral","sentiment_score":-0.1883571892976761},{"text":"I'm not sure.","start":1370.2351,"end":1371.135,"sentiment":"neutral","sentiment_score":-0.27362848321596783},{"text":"I don't know if I wanna do this at all.","start":1372.24,"end":1373.72,"sentiment":"negative","sentiment_score":-0.34575953483581545},{"text":"I was just I'm just curious about 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of what the minute super fund, and I can also send you that link to ASIC, where they do talk about it.","start":1383.4701,"end":1400.73,"sentiment":"neutral","sentiment_score":0.2683750015908274},{"text":"That's just what they suggest as a minimum to make it worthwhile the fees.","start":1400.73,"end":1405.31,"sentiment":"neutral","sentiment_score":0.2088401157941137},{"text":"But you can technically set it up with less.","start":1406.73,"end":1409.2101,"sentiment":"neutral","sentiment_score":0.09202360444598728},{"text":"I wouldn't recommend doing it with less because of the fee.","start":1409.2101,"end":1413.31,"sentiment":"neutral","sentiment_score":-0.23946811258792877}],"sentiment":"neutral","sentiment_score":0.14727255790917712,"channel":1,"num_words":88,"start":1376.1901,"end":1413.31},{"sentences":[{"text":"But if you tell me, hey.","start":1413.37,"end":1414.5701,"sentiment":"neutral","sentiment_score":0.16714879622062048},{"text":"This is what I wanna do, and I know someone that can do it for me.","start":1414.5701,"end":1417.635,"sentiment":"neutral","sentiment_score":0.3066420769318938},{"text":"That's what I want.","start":1417.635,"end":1418.755,"sentiment":"positive","sentiment_score":0.34386046230793},{"text":"There's obviously no obligation.","start":1418.755,"end":1420.215,"sentiment":"neutral","sentiment_score":0.05560019612312317}],"sentiment":"neutral","sentiment_score":0.2502336213986079,"channel":1,"num_words":30,"start":1413.37,"end":1420.215},{"sentences":[{"text":"Yeah.","start":1422.035,"end":1422.275,"sentiment":"neutral","sentiment_score":0.2198919653892517},{"text":"Yeah.","start":1422.275,"end":1422.755,"sentiment":"neutral","sentiment_score":0.26251357793807983},{"text":"Yeah.","start":1422.755,"end":1423.255,"sentiment":"neutral","sentiment_score":0.306680828332901}],"sentiment":"neutral","sentiment_score":0.26302879055341083,"channel":0,"num_words":3,"start":1422.035,"end":1423.255},{"sentences":[{"text":"But we obviously do have to follow all that best interest duty, making sure that everything we do recommend for you is going to put you in a better position and be the best for you.","start":1425.155,"end":1434.24,"sentiment":"positive","sentiment_score":0.4392945362875859},{"text":"And from all the research I've done with the self managed super fund, if we have a super balance of around 150, the fees are quite quite large.","start":1434.62,"end":1444.785,"sentiment":"neutral","sentiment_score":-0.14491352984415634},{"text":"And if I then kind of project based on what the returns on the investments can do over the long term versus, obviously, the the property increase, it it tend not to outperform.","start":1445.725,"end":1456.625,"sentiment":"neutral","sentiment_score":-0.12653872856136525},{"text":"Obviously, you never know obviously, if you get a really good niche property, that can do really, really well.","start":1457.09,"end":1462.9501,"sentiment":"neutral","sentiment_score":0.20046819658263734},{"text":"You can also maybe not get so much growth, some investments as well.","start":1463.73,"end":1467.65,"sentiment":"negative","sentiment_score":-0.34500963298174053}],"sentiment":"neutral","sentiment_score":0.05352726305813291,"channel":1,"num_words":129,"start":1425.155,"end":1467.65},{"sentences":[{"text":"So there's obviously risks with both.","start":1467.65,"end":1469.59,"sentiment":"neutral","sentiment_score":-0.2761928588151932}],"sentiment":"neutral","sentiment_score":-0.2761928588151932,"channel":1,"num_words":6,"start":1467.65,"end":1469.59},{"sentences":[{"text":"Why","start":1469.595,"end":1470.095,"sentiment":"neutral","sentiment_score":-0.17144469916820526}],"sentiment":"neutral","sentiment_score":-0.17144469916820526,"channel":0,"num_words":1,"start":1469.595,"end":1470.095},{"sentences":[{"text":"But then you obviously have to think about liquidation and everything 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fees will be higher than if it's at 250 or or what?","start":1485.1101,"end":1491.3701,"sentiment":"neutral","sentiment_score":-0.10141598096206075}],"sentiment":"neutral","sentiment_score":-0.10041320171545852,"channel":0,"num_words":22,"start":1484.79,"end":1491.3701},{"sentences":[{"text":"The the the fees tend to stay the same, but then if you do it based on the percentage of the balance that you have, you'll obviously get left with a lot less.","start":1491.05,"end":1500.925,"sentiment":"neutral","sentiment_score":0.01772024380889806},{"text":"So let's say if it costs $10,000, if you have a $150,150,000 in there, then if you do a percentage of the 10,000 of that, it's obviously a lot more.","start":1501.2251,"end":1512.22,"sentiment":"neutral","sentiment_score":0.013142704591155052},{"text":"But then compounding will grow than if you have more money in 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fees.","start":1525.495,"end":1528.5349,"sentiment":"neutral","sentiment_score":0.05757717272410026},{"text":"You have the compliance fees.","start":1528.5349,"end":1530.1549,"sentiment":"neutral","sentiment_score":0.06468821689486504},{"text":"Just to that's","start":1530.695,"end":1531.575,"sentiment":"neutral","sentiment_score":0.04323771223425865}],"sentiment":"neutral","sentiment_score":0.05553048994878064,"channel":1,"num_words":23,"start":1523.575,"end":1531.575},{"sentences":[{"text":"Okay.","start":1531.5449,"end":1532.0449,"sentiment":"neutral","sentiment_score":0.04041333124041557}],"sentiment":"neutral","sentiment_score":0.04041333124041557,"channel":0,"num_words":1,"start":1531.5449,"end":1532.0449},{"sentences":[{"text":"just admin administration side on top of it.","start":1531.575,"end":1535.2899,"sentiment":"neutral","sentiment_score":0.051725012715905905},{"text":"If you then have an investment portfolio, you might have adviser fees on top of that.","start":1535.2899,"end":1539.25,"sentiment":"neutral","sentiment_score":0.06097293249331415},{"text":"You have the platform fees where things are being held, like the cash accounts and stuff like that with the self managed super 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good to have a","start":1550.5701,"end":1552.41,"sentiment":"neutral","sentiment_score":0.0370063066482544}],"sentiment":"neutral","sentiment_score":0.0370063066482544,"channel":0,"num_words":10,"start":1550.5701,"end":1552.41},{"sentences":[{"text":"yeah.","start":1552.405,"end":1552.905,"sentiment":"neutral","sentiment_score":-0.001730816438794136}],"sentiment":"neutral","sentiment_score":-0.001730816438794136,"channel":1,"num_words":1,"start":1552.405,"end":1552.905},{"sentences":[{"text":"read.","start":1552.41,"end":1552.755,"sentiment":"neutral","sentiment_score":-0.02539581060409546},{"text":"Sorry.","start":1552.915,"end":1553.415,"sentiment":"neutral","sentiment_score":-0.09245927631855012}],"sentiment":"neutral","sentiment_score":-0.05892754346132279,"channel":0,"num_words":2,"start":1552.41,"end":1553.415},{"sentences":[{"text":"Yeah.","start":1552.965,"end":1553.465,"sentiment":"neutral","sentiment_score":-0.092683307826519}],"sentiment":"neutral","sentiment_score":-0.092683307826519,"channel":1,"num_words":1,"start":1552.965,"end":1553.465},{"sentences":[{"text":"I'm getting I'm getting you sidetracked here.","start":1553.715,"end":1555.475,"sentiment":"neutral","sentiment_score":-0.26002325330461773},{"text":"I didn't mean to.","start":1555.475,"end":1556.115,"sentiment":"neutral","sentiment_score":-0.13574835285544395},{"text":"I was","start":1556.115,"end":1556.775,"sentiment":"neutral","sentiment_score":-0.07046821713447571}],"sentiment":"neutral","sentiment_score":-0.19262250914023474,"channel":0,"num_words":13,"start":1553.715,"end":1556.775},{"sentences":[{"text":"No.","start":1556.8049,"end":1557.285,"sentiment":"neutral","sentiment_score":-0.12666690349578855},{"text":"No.","start":1557.285,"end":1557.6849,"sentiment":"neutral","sentiment_score":-0.12535043060779572},{"text":"By by all means, I will send email.","start":1557.6849,"end":1559.5,"sentiment":"neutral","sentiment_score":-0.08426456060260534},{"text":"It probably won't be today, but I will try","start":1559.5,"end":1562.38,"sentiment":"neutral","sentiment_score":-0.05704463687207964}],"sentiment":"neutral","sentiment_score":-0.0757650289880602,"channel":1,"num_words":19,"start":1556.8049,"end":1562.38},{"sentences":[{"text":"That's","start":1562.275,"end":1562.515,"sentiment":"neutral","sentiment_score":-0.032940205186605453}],"sentiment":"neutral","sentiment_score":-0.032940205186605453,"channel":0,"num_words":1,"start":1562.275,"end":1562.515},{"sentences":[{"text":"to send","start":1562.38,"end":1562.7,"sentiment":"neutral","sentiment_score":-0.05581171438097954}],"sentiment":"neutral","sentiment_score":-0.05581171438097954,"channel":1,"num_words":2,"start":1562.38,"end":1562.7},{"sentences":[{"text":"alright.","start":1562.515,"end":1563.015,"sentiment":"neutral","sentiment_score":-0.04551202431321144}],"sentiment":"neutral","sentiment_score":-0.04551202431321144,"channel":0,"num_words":1,"start":1562.515,"end":1563.015},{"sentences":[{"text":"it by end of business day tomorrow, some information for you.","start":1562.7,"end":1566.32,"sentiment":"neutral","sentiment_score":0.12166365303776482},{"text":"And I will send you just some general accounting fee as well so that you know what those kind of auditing fees and stuff like that is that I'm that I'm talking about.","start":1567.26,"end":1577.725,"sentiment":"neutral","sentiment_score":0.11963174559853294},{"text":"So","start":1579.385,"end":1579.625,"sentiment":"neutral","sentiment_score":0.039332687854766846}],"sentiment":"neutral","sentiment_score":0.11834401057826148,"channel":1,"num_words":45,"start":1562.7,"end":1579.625},{"sentences":[{"text":"And then just for those 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background October, I'll still get in touch touch with that.","start":2366.435,"end":2368.995,"sentiment":"neutral","sentiment_score":-0.023379038003357975},{"text":"But","start":2368.995,"end":2369.495,"sentiment":"neutral","sentiment_score":-0.005567088723182678}],"sentiment":"neutral","sentiment_score":-0.0218947088966767,"channel":0,"num_words":12,"start":2366.435,"end":2369.495},{"sentences":[{"text":"So yeah.","start":2369.4448,"end":2370.1848,"sentiment":"neutral","sentiment_score":0.013754172250628471},{"text":"Okay.","start":2370.2449,"end":2370.6448,"sentiment":"neutral","sentiment_score":0.11415522545576096},{"text":"Perfect.","start":2370.6448,"end":2371.045,"sentiment":"positive","sentiment_score":0.3421764075756073},{"text":"So about October then 2025 was about last time.","start":2371.045,"end":2375.38,"sentiment":"neutral","sentiment_score":0.047494159183568425},{"text":"Any 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then November, I have here was last time you had physio, which was good.","start":2382.72,"end":2387.9949,"sentiment":"neutral","sentiment_score":0.21659932285547256},{"text":"And would you say that the knee is kind of back now to about a 100% recovery?","start":2387.9949,"end":2392.255,"sentiment":"neutral","sentiment_score":0.06550401865559466}],"sentiment":"neutral","sentiment_score":0.1507484905202599,"channel":1,"num_words":34,"start":2378.56,"end":2392.255},{"sentences":[{"text":"Yeah.","start":2394.0552,"end":2394.375,"sentiment":"neutral","sentiment_score":0.15454918146133423},{"text":"It's on I'd say it's probably stronger than the other knee now.","start":2394.375,"end":2397.195,"sentiment":"neutral","sentiment_score":0.1288536638021469}],"sentiment":"neutral","sentiment_score":0.13083024208362287,"channel":0,"num_words":13,"start":2394.0552,"end":2397.195},{"sentences":[{"text":"That's perfect.","start":2397.355,"end":2398.255,"sentiment":"positive","sentiment_score":0.6036397814750671},{"text":"That's good.","start":2399.53,"end":2400.11,"sentiment":"positive","sentiment_score":0.5277539491653442},{"text":"Sometimes that's often the case.","start":2400.8901,"end":2403.2102,"sentiment":"neutral","sentiment_score":0.032644305378198624},{"text":"And no medications or anything like that.","start":2403.2102,"end":2405.7102,"sentiment":"neutral","sentiment_score":-0.06335202019129481},{"text":"And let me see","start":2405.77,"end":2408.01,"sentiment":"neutral","sentiment_score":-0.013562224805355072}],"sentiment":"neutral","sentiment_score":0.0964147973805666,"channel":1,"num_words":20,"start":2397.355,"end":2408.01},{"sentences":[{"text":"No.","start":2407.8298,"end":2408.3298,"sentiment":"neutral","sentiment_score":-0.08076459169387817}],"sentiment":"neutral","sentiment_score":-0.08076459169387817,"channel":0,"num_words":1,"start":2407.8298,"end":2408.3298},{"sentences":[{"text":"here.","start":2408.01,"end":2408.51,"sentiment":"neutral","sentiment_score":-0.05430629104375839}],"sentiment":"neutral","sentiment_score":-0.05430629104375839,"channel":1,"num_words":1,"start":2408.01,"end":2408.51},{"sentences":[{"text":"No.","start":2408.63,"end":2409.13,"sentiment":"neutral","sentiment_score":-0.12502625584602356}],"sentiment":"neutral","sentiment_score":-0.12502625584602356,"channel":0,"num_words":1,"start":2408.63,"end":2409.13},{"sentences":[{"text":"No.","start":2410.25,"end":2410.57,"sentiment":"neutral","sentiment_score":-0.13905933499336243},{"text":"That was that was everything.","start":2410.57,"end":2411.87,"sentiment":"neutral","sentiment_score":-0.169088277220726},{"text":"So what I'll do now is I'll go back to to the insurance.","start":2412.33,"end":2415.225,"sentiment":"neutral","sentiment_score":-0.013147461586273633},{"text":"I'll reassess who's going to be the best provider for you.","start":2415.7852,"end":2419.0051,"sentiment":"neutral","sentiment_score":0.04968498867343773},{"text":"Now the insurance can sometimes take a little bit for me to get that, so it might take a couple of weeks, but I'll try to do it as quickly as I can for you.","start":2419.225,"end":2426.205,"sentiment":"neutral","sentiment_score":0.03482565400855882}],"sentiment":"neutral","sentiment_score":0.009384846830597291,"channel":1,"num_words":65,"start":2410.25,"end":2426.205},{"sentences":[{"text":"And I will also reassess those investments and see if we wanna make any of those changes to make sure they're doing the best they can for you, and that we're not doing, obviously, the contribution splitting.","start":2426.425,"end":2436.49,"sentiment":"neutral","sentiment_score":0.07992382699976096},{"text":"Now when Natalie's back at work, just focusing for you your contributions on your super, and then we'll do the","start":2436.73,"end":2443.365,"sentiment":"neutral","sentiment_score":0.10218013990670442}],"sentiment":"neutral","sentiment_score":0.08773305959868849,"channel":1,"num_words":57,"start":2426.425,"end":2443.365},{"sentences":[{"text":"Yeah.","start":2445.5798,"end":2445.98,"sentiment":"neutral","sentiment_score":0.08681666105985641},{"text":"I","start":2445.98,"end":2446.0598,"sentiment":"neutral","sentiment_score":0.10098744928836824}],"sentiment":"neutral","sentiment_score":0.09390205517411232,"channel":0,"num_words":2,"start":2445.5798,"end":2446.0598},{"sentences":[{"text":"same","start":2446.005,"end":2446.2449,"sentiment":"neutral","sentiment_score":0.10618804395198822}],"sentiment":"neutral","sentiment_score":0.10618804395198822,"channel":1,"num_words":1,"start":2446.005,"end":2446.2449},{"sentences":[{"text":"kinda","start":2446.0598,"end":2446.38,"sentiment":"neutral","sentiment_score":0.13358622789382937}],"sentiment":"neutral","sentiment_score":0.13358622789382937,"channel":0,"num_words":1,"start":2446.0598,"end":2446.38},{"sentences":[{"text":"for her.","start":2446.2449,"end":2446.405,"sentiment":"neutral","sentiment_score":0.10318436846137047}],"sentiment":"neutral","sentiment_score":0.10318436846137047,"channel":1,"num_words":2,"start":2446.2449,"end":2446.405},{"sentences":[{"text":"wanna","start":2446.38,"end":2446.6199,"sentiment":"neutral","sentiment_score":0.10156553983688354}],"sentiment":"neutral","sentiment_score":0.10156553983688354,"channel":0,"num_words":1,"start":2446.38,"end":2446.6199},{"sentences":[{"text":"Yeah.","start":2446.405,"end":2446.905,"sentiment":"neutral","sentiment_score":0.09528598189353944}],"sentiment":"neutral","sentiment_score":0.09528598189353944,"channel":1,"num_words":1,"start":2446.405,"end":2446.905},{"sentences":[{"text":"build this as fast as I can and then would","start":2446.6199,"end":2448.765,"sentiment":"neutral","sentiment_score":0.1373357094824314}],"sentiment":"neutral","sentiment_score":0.1373357094824314,"channel":0,"num_words":10,"start":2446.6199,"end":2448.765},{"sentences":[{"text":"Yeah.","start":2448.725,"end":2449.225,"sentiment":"neutral","sentiment_score":0.04267192259430885}],"sentiment":"neutral","sentiment_score":0.04267192259430885,"channel":1,"num_words":1,"start":2448.725,"end":2449.225},{"sentences":[{"text":"like to go down to the property road probably because I just","start":2448.765,"end":2451.4849,"sentiment":"neutral","sentiment_score":0.018862176065643627}],"sentiment":"neutral","sentiment_score":0.018862176065643627,"channel":0,"num_words":12,"start":2448.765,"end":2451.4849},{"sentences":[{"text":"Yep.","start":2451.285,"end":2451.785,"sentiment":"neutral","sentiment_score":-0.011973618529736996}],"sentiment":"neutral","sentiment_score":-0.011973618529736996,"channel":1,"num_words":1,"start":2451.285,"end":2451.785},{"sentences":[{"text":"think","start":2451.4849,"end":2451.9849,"sentiment":"neutral","sentiment_score":-0.020143529400229458}],"sentiment":"neutral","sentiment_score":-0.020143529400229458,"channel":0,"num_words":1,"start":2451.4849,"end":2451.9849},{"sentences":[{"text":"Yeah.","start":2453.445,"end":2453.945,"sentiment":"neutral","sentiment_score":-0.04571620747447014}],"sentiment":"neutral","sentiment_score":-0.04571620747447014,"channel":1,"num_words":1,"start":2453.445,"end":2453.945},{"sentences":[{"text":"I don't know.","start":2455.9648,"end":2456.6848,"sentiment":"neutral","sentiment_score":-0.14355882008870444},{"text":"I can't see property stopping anytime soon.","start":2456.6848,"end":2460.4648,"sentiment":"neutral","sentiment_score":-0.20708717352577619}],"sentiment":"neutral","sentiment_score":-0.18802866749465466,"channel":0,"num_words":10,"start":2455.9648,"end":2460.4648},{"sentences":[{"text":"And I will send, by by tomorrow as well, I will send you that email with the the self managed super fund and the fees with the accountant as well so you have it.","start":2461.0498,"end":2470.17,"sentiment":"positive","sentiment_score":0.3359094253357719},{"text":"And then, obviously, when you have a bit more time, you can have a read through it.","start":2470.17,"end":2473.715,"sentiment":"neutral","sentiment_score":0.23913880744401148},{"text":"If you do have any questions next time we speak, you can always just just bring it up as well.","start":2473.715,"end":2478.695,"sentiment":"neutral","sentiment_score":0.18697371259331702}],"sentiment":"neutral","sentiment_score":0.27078527380043355,"channel":1,"num_words":71,"start":2461.0498,"end":2478.695},{"sentences":[{"text":"Alright.","start":2479.855,"end":2480.355,"sentiment":"neutral","sentiment_score":0.29889237880706787}],"sentiment":"neutral","sentiment_score":0.29889237880706787,"channel":0,"num_words":1,"start":2479.855,"end":2480.355},{"sentences":[{"text":"Yep.","start":2480.675,"end":2481.155,"sentiment":"positive","sentiment_score":0.3685759305953979},{"text":"Perfect.","start":2481.155,"end":2481.5552,"sentiment":"positive","sentiment_score":0.7022732496261597},{"text":"Well, if you don't have any more questions for me today, Xavier, I will let you go.","start":2481.5552,"end":2485.895,"sentiment":"neutral","sentiment_score":0.27169615556212035},{"text":"I get home to the family, and I look forward to speaking with you soon again.","start":2485.955,"end":2490.06,"sentiment":"positive","sentiment_score":0.6450645159929991}],"sentiment":"positive","sentiment_score":0.4574490308761597,"channel":1,"num_words":35,"start":2480.675,"end":2490.06},{"sentences":[{"text":"Okay.","start":2491.199,"end":2491.5989,"sentiment":"positive","sentiment_score":0.5224316120147705},{"text":"Thank you very much.","start":2491.5989,"end":2492.739,"sentiment":"positive","sentiment_score":0.8272805213928223}],"sentiment":"positive","sentiment_score":0.766310739517212,"channel":0,"num_words":5,"start":2491.199,"end":2492.739},{"sentences":[{"text":"No problem.","start":2493.08,"end":2493.64,"sentiment":"positive","sentiment_score":0.565632164478302},{"text":"We'll speak soon.","start":2493.64,"end":2494.62,"sentiment":"positive","sentiment_score":0.4336792727311452}],"sentiment":"positive","sentiment_score":0.48646042943000795,"channel":1,"num_words":5,"start":2493.08,"end":2494.62},{"sentences":[{"text":"Bye bye.","start":2495.119,"end":2495.939,"sentiment":"neutral","sentiment_score":0.2242283895611763}],"sentiment":"neutral","sentiment_score":0.2242283895611763,"channel":0,"num_words":2,"start":2495.119,"end":2495.939},{"sentences":[{"text":"Bye.","start":2496.36,"end":2496.86,"sentiment":"neutral","sentiment_score":-0.12039454281330109}],"sentiment":"neutral","sentiment_score":-0.12039454281330109,"channel":1,"num_words":1,"start":2496.36,"end":2496.86}]},"summary":{"result":"success","short":"A customer calls Oakview Financial to discuss insurance coverage and income protection options. The agent emphasizes the importance of keeping insurance in place for future claims and explains the benefits of a premium insurance policy. They also discuss the importance of researching investments and potential Trail Blazer. The customer is open to the idea and the speaker offers to provide more information and reassess coverage. The conversation also covers health issues and past experiences with injury and medication."},"intents":{"segments":[{"text":"May have been Veronica. Let me have a look. That sounds familiar. I couldn't hear it very well. Okay. Yes. Excellent. It was Veronica giving you a call. Is now a good time to have that discussion with Yeah. Yeah. her?","start_word":77,"end_word":117,"intents":[{"intent":"Confirm affiliation with Veronica","confidence_score":0.0000026515024}]},{"text":"And I think then it was kind of like we were kind of waiting on you to have that last physio appointment because then that was, like, kind of the last thing for you with the work cover, and then you were kind of back you're obviously at work full time as well or full duty. Would that kind of happen?","start_word":317,"end_word":377,"intents":[{"intent":"Ensure availability and check availability of physio appointments","confidence_score":1.1260992e-9}]},{"text":"Now I can go and revisit the insurances for you. I'll have to do a bit of an updated SOA and research just to make sure that, you know, if MetLife is still the best provider for you or if anything has changed. So I'll go back Okay.","start_word":479,"end_word":526,"intents":[{"intent":"Refresh and update insurances","confidence_score":0.0031706027}]},{"text":"Now are you still happy with the amounts and everything that was recommended, or would you like to, you know, refresh all of those, or have anything else changed in regards to any of I can't remember what any of them were, to those be honest, because it it's been a long time goals? just out of this No.","start_word":537,"end_word":595,"intents":[{"intent":"Recommend recommendations and recommendations","confidence_score":0.0007238205}]},{"text":"Now we also had an income protection, and that is to cover you for a loss of income if you were temporarily unable to work. Now this one here Yeah.","start_word":656,"end_word":685,"intents":[{"intent":"Inquire about income protection and income coverage","confidence_score":0.00014276663}]},{"text":"So we were looking at a 70% of a 150,000. Is that still your income, or has that changed?","start_word":704,"end_word":722,"intents":[{"intent":"Address income cost","confidence_score":0.0000029175249}]},{"text":"What's the insurance that everyone has to have?","start_word":1366,"end_word":1373,"intents":[{"intent":"Calculate insurance coverage","confidence_score":0.17685477}]},{"text":"Like, is this does this insurance won't it won't be long. I can get this insurance plus the work cover, or is it?","start_word":1421,"end_word":1443,"intents":[{"intent":"Provide insurance and work cover","confidence_score":0.0010425786}]},{"text":"That is that's the the tricky point that if you if something happen at work and you're on work cover and your work cover pays more than 70 percent of your income, the income protection will not be paid out. Yeah.","start_word":1455,"end_word":1495,"intents":[{"intent":"Confirm income coverage","confidence_score":0.022848345},{"intent":"Explain income protection for victims","confidence_score":0.000008123526}]},{"text":"Yeah.","start_word":1627,"end_word":1627,"intents":[{"intent":"Determine maximum income for income protection","confidence_score":0.000097315205}]},{"text":"Now we I did make a recommendation on trauma last time, and, again, it is different function. But trauma is a different policy that you don't have to prove that you get you know, can return to work or anything like that.","start_word":1688,"end_word":1729,"intents":[{"intent":"Discuss trauma treatment and traumatic events","confidence_score":0.00008878952}]},{"text":"If you get a diagnosis that's eligible, you will get a lump sum payment. You don't have to prove that you can't go back to work or anything like that. But let's say you you get that traumatic event happening to you, you get a lump sum.","start_word":1730,"end_word":1776,"intents":[{"intent":"Confirm lump sum payment for traumatic events","confidence_score":0.0049169604}]},{"text":"But, obviously, because Natalie is working and it you obviously want the contributions to go to your fund, that's perfectly fine.","start_word":2180,"end_word":2200,"intents":[{"intent":"Reassure natalie about funds","confidence_score":0.000023871282}]},{"text":"So, obviously, this this last twelve months have been a bit more turbulent with everything going on, especially the, suspense on the corporate travel group in Bennelong. It's not obviously out of the norm for the market to behave this way as well that sometimes during the period, there will be ups and downs as long as the the foundation of the investments and everything is very diversified and is very solid for you.","start_word":2937,"end_word":3010,"intents":[{"intent":"Discuss diversified investments","confidence_score":0.0023915386}]},{"text":"And and when I spoke a while ago with you is I was sort of thinking towards doing, like, like, super where I own a property rather than these investments. Mhmm. Yep. Yeah. It's like At a self the time managed super I think I think I think you said you're better off having about 200 in in your before fund. you do that. Yeah.","start_word":3011,"end_word":3075,"intents":[{"intent":"Explain self-managed super fund","confidence_score":0.0076880436}]},{"text":"So ASIC say that in order to kinda make it worth it from a fee point of view, because there's obviously a lot more compliance and legislation in regards to your self managed super fund, they suggest a minimum of $2.50 to go down that way.","start_word":3080,"end_word":3125,"intents":[{"intent":"Discuss fee requirements","confidence_score":0.020288065}]},{"text":"So self management are great from an investment point of view for some people.","start_word":3199,"end_word":3212,"intents":[{"intent":"Consolidate self-management","confidence_score":0.000121918354},{"intent":"Discuss self-management","confidence_score":0.36493132}]},{"text":"You would then have an annual tax return and order done on the self managed super fund by an accountant.","start_word":3248,"end_word":3267,"intents":[{"intent":"Discuss tax return and order","confidence_score":0.08176253}]},{"text":"Obviously, if you have a a property side of it, which is most of the time where people do go down the self managed super side side of it, if you have a loan through it, you would have a different self super funds or rental income and stuff like that with contributions, and then obviously expenses and everything like that.","start_word":3268,"end_word":3328,"intents":[{"intent":"Discuss income generation","confidence_score":0.0000152381235}]},{"text":"Otherwise, the self managed super fund is something that you would predominantly manage yourself, and then obviously have the accountant from all the auditing and compliance and documentation point of view. Yeah.","start_word":3377,"end_word":3408,"intents":[{"intent":"Set up super fund","confidence_score":0.10234287}]},{"text":"I'll include the the pricing as well of what the minute super fund, and I can also send you that link to ASIC, where they do talk about it.","start_word":3589,"end_word":3617,"intents":[{"intent":"Include pricing","confidence_score":0.06797393}]},{"text":"But we obviously do have to follow all that best interest duty, making sure that everything we do recommend for you is going to put you in a better position and be the best for you.","start_word":3685,"end_word":3720,"intents":[{"intent":"Follow duty","confidence_score":0.09263614}]},{"text":"So do you still want me to do a recommendation on the trauma cover for you as well Yeah. similar Yeah.","start_word":4360,"end_word":4380,"intents":[{"intent":"Recommend trauma cover","confidence_score":0.016979184}]},{"text":"Now there is one thing I do wanna check with you when it comes to investments as well. I'm not sure if you've read the the latest newsletter that we published, I think, about, like, a week or two ago.","start_word":4432,"end_word":4471,"intents":[{"intent":"Evaluate investments","confidence_score":0.0018456941}]},{"text":"So what that allows us to do is that we can very quickly swap and change investments that are potentially underperforming or if we foresee a market trends changing, we can very quickly swap and change those for you without having to go through that whole research paper you have to agree and sign before we can make a change because you've agreed to just invest in the portfolio itself.","start_word":4857,"end_word":4926,"intents":[{"intent":"Swap investments","confidence_score":0.8718658}]},{"text":"So then us with Benelon can kind of take away that process of the compliance point and make those changes quickly, which some people are quite happy about that because it allows us to do that more active management very quickly.","start_word":4926,"end_word":4966,"intents":[{"intent":"Remove compliance point","confidence_score":0.16026211}]},{"text":"But it would mean that you would have a little bit less oversight over it. Is that something that you are open through, or do you prefer kind of having that full oversight You of broke the up changes?","start_word":4967,"end_word":5005,"intents":[{"intent":"Have full oversight","confidence_score":0.15610597}]},{"text":"So what So I can I do then, if it's if it's something that you are open to, obviously, assuming that the returns and fees and everything like that makes it worth it, I can factor that into the research. And then once I have all of that, I can then make a recommendation for you.","start_word":5090,"end_word":5145,"intents":[{"intent":"Make recommendations","confidence_score":0.57996875}]},{"text":"So I think I'd I mean, if that if the other way, it would sound like it would make makes more sense to make money Yeah.","start_word":5236,"end_word":5261,"intents":[{"intent":"Make money","confidence_score":0.92962873}]},{"text":"And it's also really good because we can also then combine our investment committee and all research with with BlackRock. And, again, by all means, go and research them. They are massive. So it it just means that there's a lot more in-depth of that, and they have a lot of risk mitigation systems and all this fancy technology as well that we get access to, which, again, just kind of strengthens how we build everything for you.","start_word":5308,"end_word":5385,"intents":[{"intent":"Promote investments","confidence_score":0.0015123262}]},{"text":"Now with your health, I have the pre assessment here, so I won't go through the whole thing. Have you had any new illnesses or new medications or anything since, we spoke to you last and did the pre assessment about a year ago? Any new medications or illnesses or anything like that? No.","start_word":5813,"end_word":5866,"intents":[{"intent":"Evaluate health and insurance","confidence_score":0.0004743814}]},{"text":"Have you had any new illnesses or new medications or anything since, we spoke to you last and did the pre assessment about a year ago? Any new medications or illnesses or anything like that? No.","start_word":5831,"end_word":5866,"intents":[{"intent":"Update and confirm medical history","confidence_score":0.0000057234306}]},{"text":"When was the last time you had any, like, symptoms or issues with it?","start_word":6006,"end_word":6019,"intents":[{"intent":"Update symptoms","confidence_score":0.3528306}]}]},"sentiments":{"segments":[{"text":"Good afternoon.","start_word":0,"end_word":1,"sentiment":"positive","sentiment_score":0.34636396169662476},{"text":"Oakview Financial. This is Samantha. Javier Hammond here. Hello? I I'm not sure if it was you or someone else.","start_word":2,"end_word":21,"sentiment":"neutral","sentiment_score":-0.03701934218406677},{"text":"I couldn't hear very well before.","start_word":22,"end_word":27,"sentiment":"negative","sentiment_score":-0.3660670816898346},{"text":"Someone just called me before. I had to call them back because I was Yeah? on the highway, but I'm able Of to talk course. Yeah. Let me have a look who to is giving you a call. them now. Is it Jasmine or something? Today is the '24. May have been Veronica. Let me have a look. That sounds familiar. I couldn't hear it very well. Okay. Yes.","start_word":28,"end_word":96,"sentiment":"neutral","sentiment_score":-0.05598623678088188},{"text":"Excellent. It was Veronica giving you a call. Is now a good time to have that discussion with Yeah.","start_word":97,"end_word":115,"sentiment":"positive","sentiment_score":0.3834771513938904},{"text":"Yeah. her? I'll pull Yeah. over Perfect. there. Yeah. Not a problem. I'll just go to complete security with you first before I do transfer you through to Veronica. So I'm just going to confirm your date of birth and residential address for security. 08/10/1980, and Yep. my house sorry. House address is Number 9 Slash 24 Jessica Drive, Upper Yep. Coomera. Yep.","start_word":116,"end_word":178,"sentiment":"neutral","sentiment_score":0.11701511591672896},{"text":"Perfect. That's what we've got here, Xavier.","start_word":179,"end_word":185,"sentiment":"positive","sentiment_score":0.36963146924972534},{"text":"I'll transfer you through to Veronica, and she'll be the next person to speak with. No worries. Alright.","start_word":186,"end_word":203,"sentiment":"neutral","sentiment_score":0.1898585855960846},{"text":"Excellent.","start_word":204,"end_word":204,"sentiment":"positive","sentiment_score":0.4811379313468933},{"text":"One moment.","start_word":205,"end_word":206,"sentiment":"neutral","sentiment_score":0.31904780864715576},{"text":"Welcome to Hi, Davia.","start_word":207,"end_word":210,"sentiment":"positive","sentiment_score":0.34051430225372314},{"text":"It's How are you? Ronnie Kim. Hey.","start_word":211,"end_word":217,"sentiment":"neutral","sentiment_score":0.23641987144947052},{"text":"Good.","start_word":218,"end_word":218,"sentiment":"positive","sentiment_score":0.38895541429519653},{"text":"How are you? Good. Busy day? Yeah. Pretty busy. I'm always busy. Yeah. On your way home now? I still got a few more things to do. Yeah. Yeah. About five minutes from time. Oh, yeah. Perfect. Well, I will try not to keep you obviously too long. I'm sure you wanna get home. But, essentially, had you booked in to kinda get their consolidation and those insurances sorted for you. Yep. Does that all ring a bell? Yeah. Yeah. Yeah. Yeah. I think No. we spoke I know last like, last year or something. Yeah. yeah. And I think then it was kind of like we were kind of waiting on you to have that last physio appointment because then that was, like, kind of the last thing for you with the work cover, and then you were kind of back you're obviously at work full time as well or full duty. Would that kind of happen? You had your last appointment back in November, was it? I think so. Yeah. I can't remember the exact date. I've already told you at the time what it was, but, Yeah. yeah, I it have was it here around then. around around November or so. Yeah. October, Yeah. Yeah. November. Yeah. And so yep. Sorry. Yeah.","start_word":219,"end_word":433,"sentiment":"neutral","sentiment_score":-0.006406480325169341},{"text":"It's all good. So the knees are all good.","start_word":434,"end_word":442,"sentiment":"positive","sentiment_score":0.37410423159599304},{"text":"I've been working for, yeah, three months or more now. So Yeah.","start_word":443,"end_word":454,"sentiment":"neutral","sentiment_score":0.18048739433288577},{"text":"Perfect.","start_word":455,"end_word":455,"sentiment":"positive","sentiment_score":0.4499455690383911},{"text":"And you're kind of at full duties and stuff for, Yeah. like Yeah. yeah. Since since October, essentially? Yep. Yep. Yep. Alright.","start_word":456,"end_word":477,"sentiment":"neutral","sentiment_score":0.07959198951721191},{"text":"Perfect.","start_word":478,"end_word":478,"sentiment":"positive","sentiment_score":0.383468896150589},{"text":"Now I can go and revisit the insurances for you. I'll have to do a bit of an updated SOA and research just to make sure that, you know, if MetLife is still the best provider for you or if anything has changed. So I'll go back Okay. and speak to the insurance and see what they say. Now are you still happy with the amounts and everything that was recommended, or would you like to, you know, refresh all of those, or have anything else changed in regards to any of I can't remember what any of them were, to those be honest, because it it's been a long time goals? just out of this No. journey. That's okay. Now we were looking at a million dollars for your life and your total permanently disabled, then you can never go back to work again. So we were looking around at a million dollars worth of cover for that. Yeah. Are you still happy with, you know, those amounts I think so. for Yeah. Yep. Yep. Okay. Now we also had an income protection, and that is to cover you for a loss of income if you were temporarily unable to work. Now this one here Yeah. is an in income replacement, and it can cover you for up to 70% of your income. So we were looking at a 70% of a 150,000. Is that still your income, or has that changed? I think and it will be a I'd say it'll probably go up. I'll probably get some more at $1.70, hopefully, this year. I would hit $1.70 last year if I hadn't had the knee injury. Okay. But yes.","start_word":479,"end_word":760,"sentiment":"neutral","sentiment_score":0.029894002046145444},{"text":"That's sort of one fifty, definitely.","start_word":761,"end_word":766,"sentiment":"positive","sentiment_score":0.3926287591457367},{"text":"Maybe one Yep.","start_word":767,"end_word":769,"sentiment":"neutral","sentiment_score":0.2976577579975128},{"text":"70 if if things go well.","start_word":770,"end_word":775,"sentiment":"positive","sentiment_score":0.45777660608291626},{"text":"Okay. Because when we do look at our income protection, not always. Sometimes they'll ask for a pay slip to confirm it, the amount, like how much you're earning. So if that varies a lot, they could say, oh, well, that's too much. You're not actually earning that much. But on the other side as well that if I let's say I do $1.70 and you actually only earn a 150, come claim time, so if you need to go on claim, they will only cover you for 70% of your income at the time of claim. So if at the time you only earn a 150, they'll only cover you for that even though you're technically paying for up to a 170. But at the same Right. time, if you do earn a 170, then, obviously, we wanna make sure we cover as much as we can. So, obviously, as is financially something were to happen. So if you if you think that your income is a 170, then I can change it, or if you think 150. Let's just leave it at $1.50 because we can change the light account. Maybe if we oh, Yes. you know what? So, yeah, you definitely Put it up. can. The only thing is by increasing cover, the insurance will be like, well, we are taking on more risk. You definitely can. You would just have to go through, like, the whole application process again because they are taking on more risk. So they will need to do an assessment So again. to to go to $1.70, how much more Mhmm. is that than the $1.50? Money is that gonna add up? Is it that much? I I'll have to run the numbers for you. It's probably not a great deal, to be fair. I'll have to run the numbers too short. I could put it in in the research for you. But if you if you think that it's more around the $1.70, I would say it's always better to do a little bit more because if you want to then decrease it, it's really easy. It's just a quick form to say, yep.","start_word":776,"end_word":1138,"sentiment":"neutral","sentiment_score":-0.03715833566939207},{"text":"Cool.","start_word":1139,"end_word":1139,"sentiment":"positive","sentiment_score":0.41316652297973633},{"text":"It's decreased because the insurers are like, well, we are taking a less risk. We're happy to. It's harder to do the other way. Yeah. It's a discount $1.70. Okay. $1.70.","start_word":1140,"end_word":1170,"sentiment":"neutral","sentiment_score":0.14309574663639069},{"text":"Perfect.","start_word":1171,"end_word":1171,"sentiment":"positive","sentiment_score":0.547652542591095},{"text":"Now we were looking at about a thirty day waiting period. So, obviously, until that payment would kick in if something were to happen, and then a benefit period of five years. So somewhere in the middle, that if you need to be on claim, it would then last for five years. Are you still kind of happy with with that thirty and five years? Yeah. Yep. Okay. So just something here. So, like, this is more covering me for if I've slipped down a set of stairs or something, isn't it out of work or something like that? Mhmm. So this can be any illness or injury. That means that you cannot go back to work. So it does definitely doesn't have to happen at work or anything like that. It can happen at home. It can be on holiday. You could be snowboarding or whatever whatever it might be or get an illness. If you get Yeah. diagnosed Okay. with an illness or injury, irrespective of where it happens, and you cannot go back Yeah. to work, then that's when, you'll be covered. Because I've I've got what do they call it? What's the insurance that everyone has to have? So so being a like, I'm a casual worker. It's what I claimed with my knee. I forgot the name, but Oh, work cover? Work cover? work cover. Yes. Like, if I got work cover I mean, I said Mhmm. work, I've got work cover. Yes. Like, is this does this insurance won't it won't be long. I can get this insurance plus the work cover, or is it? No. The Correct. work cover cost me 95%. 100%. That is correct. That is that's the the tricky point that if you if something happen at work and you're on work cover and your work cover pays more than 70 percent of your income, the income protection will not be paid out. Yeah. Well, that that's high five eighty Yeah. 4%. So that would mean that your income wouldn't cover I have seen sometimes with work cover, they can cover, like, partials or stuff like that. So if, for example, you're on work cover and work cover would cover 70% sorry, 50% of your income, then there are instances where you can have a top up of an income protection. But most of the time, like you said, it's around 80 or 85%, sometimes even 90% of your income, which is more than the income protection. So the income protection will not be Right. Okay. Because it's paid. sorta like like we struggle on 85%. So 70% isn't really gonna cut it for us. Is there Yeah. can we make it higher or not? Yeah. 70% is the max you can have, unfortunately. And it is Right. definitely like that. A lot of clients are like, well, you know, we are struggling with 70. From an income protection point view, that is the most you can have. Sometimes depending on what the reasons are, you can sometimes use trauma as a bit of a buffer. Now we I did make a recommendation on trauma last time, and, again, it is different function. But trauma is a different policy that you don't have to prove that you get you know, can return to work or anything like that. If you get a diagnosis that's eligible, you will get a lump sum payment. You don't have to prove that you can't go back to work or anything like that. But let's say you you get that traumatic event happening to you, you get a lump sum. We were looking at about a 150,000 last time. Sometimes people will then use that 150 to top up the the loss of income because it only covers that 70% if you are eligible for it. Okay. Alright. Does that make sense? Yeah. Yep. Yep. Yeah. Alright. Are you still wanting an income protection, I or think what so. are your Like, thoughts? I mean, I think Okay. what what if I do break my leg out of work hours? Well, I can't. Yeah. I'm Exactly. gonna need something. It's still better than nothing, isn't it? Exactly. And if you if you can afford it, obviously, in superannuation as well, we'll obviously do. I'll do some updated research on your super and investments as well just to see everything's, you know, doing the way it should be or if you need to make any changes. And I also factor in, obviously, the cost of the insurances and that it doesn't eat away at all your contributions going in. Because at the same time, we obviously want your superannuation to continue to to to grow. Yeah. Yeah. Definitely. Yeah. So I'll if you're happy to, I'll do the numbers anyway. I'll run through it with with you once I've had back from all the insurers. You have the cost then, and then you can let me know what your thoughts are. Alright. Yep. And And so yeah. half my sleep is going on to my wife at the moment. Yes. The spousal contribution. So she's got a job now. So Yes. Yep. and I'm just a bit lot of stuff, weird stuff going on in the world. Mhmm. Yeah. I know I know I put a fair bit into high risk. I was just wondering how is it all going? Like, what's what is happening with it all? What I don't know much. Yeah. I'm sorry. Let me see if I can go into your account right now. Now I will do, update research on everything as well as in-depth for you, as part of the the research there when I do look at insurances to see. And like you said as well, things have definitely there's a lot happening in in the world and in the market that has caused fluctuations. Some of it is cyclical. Let me have a look here. So I'll try to log in for you and and see.","start_word":1172,"end_word":2179,"sentiment":"neutral","sentiment_score":0.003994101170627843},{"text":"But, obviously, because Natalie is working and it you obviously want the contributions to go to your fund, that's perfectly fine.","start_word":2180,"end_word":2200,"sentiment":"positive","sentiment_score":0.33542582392692566},{"text":"I might send her an email. We'll tryna get her booked in for a different catch up to reassess things for her as well now when she is working and getting contributions because that obviously would change a little bit for her. But let's see if I can have a look here. So at the moment, your super balance is at 167,075. Now let me see here. When I have a look at your investments, most of them have been doing pretty okay, but there is one that recently have underperformed, which is why I do really wanna research your investments and look to change that one. Now that is your Benelong Australian equity. So that one was added to your portfolio because it is that kind of that active management side of it, and it's designed to China. They are kind of actively buying and selling investments. They're trying to outperform the market, and that forms part of that kind of high growth portfolio for you. Historically, they have done really, really well, but more recently, they've kind of underperformed a little bit. But the biggest reason why is that one of their investments, so not them per se, but one of their investments that they had in their portfolio was Corporate Travel Group.","start_word":2201,"end_word":2415,"sentiment":"neutral","sentiment_score":0.08632618933916092},{"text":"They had a bit of issues with their reporting, which caused their their prices to fall.","start_word":2416,"end_word":2431,"sentiment":"negative","sentiment_score":-0.4660474956035614},{"text":"So if that one isn't going to be the best for you moving forward, we do wanna look at changing that through something else. Similar function, but it's doing a little bit better for you.","start_word":2432,"end_word":2466,"sentiment":"neutral","sentiment_score":-0.1567082703113556},{"text":"And the good thing with twenty four is that there's hundreds of different options for us to choose from, so we can very easily make that change. So making sure that at all points in time, we do have you in the best option.","start_word":2467,"end_word":2510,"sentiment":"positive","sentiment_score":0.594328761100769},{"text":"That was probably a Yep.","start_word":2511,"end_word":2515,"sentiment":"neutral","sentiment_score":0.33023035526275635},{"text":"lot of information for you.","start_word":2516,"end_word":2520,"sentiment":"positive","sentiment_score":0.3654708862304687},{"text":"I will put everything in the research paper with the insurances for you. So once I kind of deep dive a little bit more into the investments, but definitely, especially that investment, I will put together the recommendations. I will run through that with you and see what your thoughts And then there's still $10 in my bus queue. Super isn't there or are. Yes. not? Yes. And that is because of the insurances. So we left that open while we were going through the insurance process to get that sorted with MetLife because you do have a bit of insurances in there. And in that interim, I would not want to leave you uninsured. So as soon as we have the insurances sorted for you, we can then roll that over. I'll do the research, but I if, obviously, appropriate, then we can roll that over and get it all Okay. Yeah. I was just Yeah. I had sort of thought in my head, but now I've lost it. I'll be in the sun all day. Yeah. So that's but yeah. So I haven't really done much in the time I've been in there because I thought I was at about one eighty before we started all this, but Let me see how much was rolled in. Bear with me. Capital ports. Let me just have a look here for you. Now while I wait for that to load, I do wanna quickly especially with doing the investments actually, I can see here $161.01 at $474.95. So then here is this. So it's it's still gone up since then even though we've had especially the last twelve months has probably been the most fluctuation with everything going on. Yeah. And, obviously, you still have the the bus queue as well. So So if these things calm down in the world, you'd expect bigger growth than that, wouldn't you? yes. Especially on Yeah. your growth investments. Now, obviously, being in that high growth portfolio as well, long term, we do see, you know, those those higher returns. Short term, depending on when it is, we see bit of fluctuation. Now typically speaking as well in a high growth portfolio, and that's also why the time frame comes into play a lot by making sure you have enough time in the market for the fluctuations. Because typically in a high growth portfolio, we typically see the likelihood of a negative return about one in five years. So, obviously, this this last twelve months have been a bit more turbulent with everything going on, especially the, suspense on the corporate travel group in Bennelong. It's not obviously out of the norm for the market to behave this way as well that sometimes during the period, there will be ups and downs as long as the the foundation of the investments and everything is very diversified and is very solid for you. Yeah. And and when I spoke a while ago with you is I was sort of thinking towards doing, like, like, super where I own a property rather than these investments. Mhmm. Yep. Yeah. It's like At a self the time managed super I think I think I think you said you're better off having about 200 in in your before fund. you do that. Yeah. That's what ASIC says. So ASIC say that in order to kinda make it worth it from a fee point of view, because there's obviously a lot more compliance and legislation in regards to your self managed super fund, they suggest a minimum of $2.50 to go down that way. Obviously, if you have property and stuff like that, you obviously need to make sure you have enough to facilitate it. Some industry experts have that around the 500 mark. So it's quite different, but ASIC says that the minimum of $2.50, they suggest, to make it work. That's a Yeah. as a guideline from a cost point of view. Some clients, it will work really well for. Otherwise, other clients, not great. So self management are great from an investment point of view for some people. Definitely not for everyone, especially because how it's designed, it's for you to self manage. So you would be the trustee. You would have the responsibility of managing everything and making sure it stays compliant. You would then have an annual tax return and order done on the self managed super fund by an accountant. Obviously, if you have a a property side of it, which is most of the time where people do go down the self managed super side side of it, if you have a loan through it, you would have a different self super funds or rental income and stuff like that with contributions, and then obviously expenses and everything like that. The mortgage payment would come out. So it is a bit more complex in that way. Where we would come into play is if you would want a investment portfolio alongside the property. So if you want that along with the property, then we can manage that side. Otherwise, the self managed super fund is something that you would predominantly manage yourself, and then obviously have the accountant from all the auditing and compliance and documentation point of view. Yeah. I I I met a guy the other day, and he was along the belief that you could do it with one fifty. But Technically, yeah. I don't you know. technically, you probably could deal with anything.","start_word":2521,"end_word":3445,"sentiment":"neutral","sentiment_score":0.009935178992313307},{"text":"It's more for making it making it worse from a fee.","start_word":3446,"end_word":3456,"sentiment":"negative","sentiment_score":-0.4193311333656311},{"text":"So if you have a 150,000, you could set it up. But then if you have you know? I'll see here if I can find what the accountants typically charge from it to get it set up. It only depends on which account firm you use and everything like that. The the thing to be more careful for is just the fee. And would you guys would you be just you, or would you guys be combining your superannuation? I don't know. I'm not sure.","start_word":3457,"end_word":3541,"sentiment":"neutral","sentiment_score":-0.01780937984585762},{"text":"I don't know if I wanna do this at all.","start_word":3542,"end_word":3551,"sentiment":"negative","sentiment_score":-0.34135109186172485},{"text":"I was just I'm just curious about it. Yeah. I was just Well, what what I can do, sir, obviously, make it easy, sorry, I don't keep you too long, is I will send you an email. I'll include the the pricing as well of what the minute super fund, and I can also send you that link to ASIC, where they do talk about it. That's just what they suggest as a minimum to make it worthwhile the fees. But you can technically set it up with less. I wouldn't recommend doing it with less because of the fee. But if you tell me, hey. This is what I wanna do, and I know someone that can do it for me.","start_word":3552,"end_word":3673,"sentiment":"neutral","sentiment_score":0.14363321661949158},{"text":"That's what I want.","start_word":3674,"end_word":3677,"sentiment":"positive","sentiment_score":0.33910122513771057},{"text":"There's obviously no obligation. Yeah. Yeah. Yeah.","start_word":3678,"end_word":3684,"sentiment":"neutral","sentiment_score":0.15364156663417816},{"text":"But we obviously do have to follow all that best interest duty, making sure that everything we do recommend for you is going to put you in a better position and be the best for you.","start_word":3685,"end_word":3720,"sentiment":"positive","sentiment_score":0.450694739818573},{"text":"And from all the research I've done with the self managed super fund, if we have a super balance of around 150, the fees are quite quite large. And if I then kind of project based on what the returns on the investments can do over the long term versus, obviously, the the property increase, it it tend not to outperform. Obviously, you never know obviously, if you get a really good niche property, that can do really, really well.","start_word":3721,"end_word":3800,"sentiment":"neutral","sentiment_score":-0.05281738191843033},{"text":"You can also maybe not get so much growth, some investments as well.","start_word":3801,"end_word":3813,"sentiment":"negative","sentiment_score":-0.3527008891105652},{"text":"So there's obviously risks with both. Why But then you obviously have to think about liquidation and everything like that as well with property. do the fees go up because you got less money? Why do the fees go up because you have less money? Yeah. Like you're saying that at at $1.50, that the fees will be higher than if it's at 250 or or what? The the the fees tend to stay the same, but then if you do it based on the percentage of the balance that you have, you'll obviously get left with a lot less. So let's say if it costs $10,000, if you have a $150,150,000 in there, then if you do a percentage of the 10,000 of that, it's obviously a lot more. But then compounding will grow than if you have more money in there. Yeah. So I really need the rent to be paying the whole mortgage out. Each So yeah. And that will be the mortgage because then you have the auditing fees. You have the compliance fees. Just to that's Okay. just admin administration side on top of it. If you then have an investment portfolio, you might have adviser fees on top of that. You have the platform fees where things are being held, like the cash accounts and stuff like that with the self managed super funds. Okay. Yeah. But If you what can send I can me some info, that that'd be good to have a yeah. read. Sorry. Yeah. I'm getting I'm getting you sidetracked here. I didn't mean to. I was No. No. By by all means, I will send email. It probably won't be today, but I will try That's to send alright. it by end of business day tomorrow, some information for you. And I will send you just some general accounting fee as well so that you know what those kind of auditing fees and stuff like that is that I'm that I'm talking about. So And then just for those insurances, mhmm. so once they're in in place, like, is there, like, lag time of of, like, where I'm gonna have to keep my real insurance going to cover because, like, the original reason that Mhmm. you came to us was because of the real insurance. We're paying, like, a $100 a month or whatever it is. Yep. Yeah. Do we have to let them cross over for a while so there's full cover and everything? Or or what is the Yeah. Yeah. No. where do Typically, we go for to? for for for life insurance and stuff like that, no. As long as your new cover is in place, you are covered. Now there are sometimes a bit of a clause in place for each insurer, and there's, like, a minimum time frame mainly just in regards to not covering if it's due to suicide and stuff like that. But, otherwise, Raw. it's no. As soon as your cover is in place, you are then covered, especially life insurance because it's pretty straightforward. It's not where you have you have through, like, private health insurance where you Yeah. have waiting periods. It's not like that. Alright. Okay. Yeah. So we can No worries. definitely yeah. So do you still want me to do a recommendation on the trauma cover for you as well Yeah. similar Yeah. to Yeah. last time. Yep. Okay. I'll run run this Anything through.","start_word":3814,"end_word":4392,"sentiment":"neutral","sentiment_score":-0.017919006407991156},{"text":"you think is good that would really help me out of a jam, I want I want done.","start_word":4393,"end_word":4410,"sentiment":"positive","sentiment_score":0.4340651035308838},{"text":"Yeah. Yeah. Alright. Well, I will I will run all of this here for you, do the research, let you know. Now there is one thing I do wanna check with you when it comes to investments as well. I'm not sure if you've read the the latest newsletter that we published, I think, about, like, a week or two ago. I don't know Do if you I'm read getting them? emails from you. So maybe I am. I just haven't seen them. They might be going Okay. into the wrong part of my email. I'll have a look. What Yeah. what what May was on it? yeah. Maybe have a look at the spam folder if it goes there, but we've recently joined up with BlackRock. Have you ever heard of them? They're they're quite they're one of the largest fund managers. No. I'm really not. No. You can obviously Google them and stuff. They are really big. So we've recently teamed up with them very, very recently, actually, and created a SMA. Have you ever heard of that before? No. No. I'll try to keep it as as simple as I can because it can get quite technical. But the SMA, No. it is a self managed account. Now it works a little bit different to how Sorry. your current Say that portfolio it say it again. A self managed bank account, did you say? self managed account. That's what it stands for, SMA, self managed account. Right. So how it works, it's a little bit different to how your current portfolio is set up. So you at the moment have what we would say like a model portfolio. So you actually see every single one of those investments in your portfolio. And if I or we wanna go and make a change to it, like, for example, with the who's underperforming a little bit right now, I would have to go and do, obviously, all the research for you. I'll have to present it in a strategy paper. I would have to present it to you. You would have to agree through the change, then I can go and make the change for you. So it's it's, you know, obviously, a lot of paperwork and stuff like that, but you would obviously have full control of the changes. The SMA, how that works is a little bit different in that you would be invested in a portfolio. Now the construction of the investments are the same. You still have multiple different investment options. The philosophy structure the same, but you would be you would just say that you're invested in one portfolio. So what that allows us to do is that we can very quickly swap and change investments that are potentially underperforming or if we foresee a market trends changing, we can very quickly swap and change those for you without having to go through that whole research paper you have to agree and sign before we can make a change because you've agreed to just invest in the portfolio itself.","start_word":4411,"end_word":4925,"sentiment":"neutral","sentiment_score":0.0806273539957491},{"text":"So then us with Benelon can kind of take away that process of the compliance point and make those changes quickly, which some people are quite happy about that because it allows us to do that more active management very quickly.","start_word":4926,"end_word":4966,"sentiment":"positive","sentiment_score":0.4988993108272553},{"text":"But it would mean that you would have a little bit less oversight over it. Is that something that you are open through, or do you prefer kind of having that full oversight You of broke the up changes? with you broke up with me towards the end there. Some people sorry. I'll quite yeah. No. That's okay.","start_word":4967,"end_word":5024,"sentiment":"neutral","sentiment_score":0.054507721215486526},{"text":"I'm quite happy with it because it means that we can make quick changes, and you don't have Yep.","start_word":5025,"end_word":5043,"sentiment":"positive","sentiment_score":0.4256670475006103},{"text":"to be part of each step. Whereas some other people do want that full oversight and agree through the changes before I they don't really happen. know What what you're doing anyway. So okay. probably I it's So the same thing to me really. okay. Yeah. So what So I can I do then, if it's if it's something that you are open to, obviously, assuming that the returns and fees and everything like that makes it worth it, I can factor that into the research. And then once I have all of that, I can then make a recommendation for you. Like I said, the good thing with the SMA means that we can quickly make changes if something happens to then tryna prevent a bit of, you know, fluctuation or very quickly make that because you don't have to sign a document, go through it before it changes. Yeah. Yeah. I I'd like to you, all these investment things make sense to me. It's just a bunch of names. Just just no. And that's also why you have us to help to help you with this. You know? So yeah. So I think I'd I mean, if that if the other way, it would sound like it would make makes more sense to make money Yeah. make more money. I mean, Yeah. I'm all about making more money. Okay. So Whatever makes you the most money. yeah. Yeah. No. That's fair enough. Most people are the same. I will I will include that for you, though.","start_word":5044,"end_word":5301,"sentiment":"neutral","sentiment_score":0.18265214943608576},{"text":"I will show you the difference. And it's also really good because we can also then combine our investment committee and all research with with BlackRock. And, again, by all means, go and research them. They are massive. So it it just means that there's a lot more in-depth of that, and they have a lot of risk mitigation systems and all this fancy technology as well that we get access to, which, again, just kind of strengthens how we build everything for you. I know it's probably a lot, but I will do that research for you as long as, obviously, you're open to that. And then whatever is going to give you the most money at the end of it and put you in a better position, I will recommend, and then you can let me know what your thoughts are.","start_word":5302,"end_word":5444,"sentiment":"positive","sentiment_score":0.5109227895736694},{"text":"Alright. No Yeah. worries. Now before I let you go as well, I do wanna just check, is there anything else that's changed in your your life, anything with assets, liabilities, anything else that's changed since we spoke last time? It's all the same otherwise. Yeah. No. It's all the same. Yep. Down the track, I I might end up maybe want to start my own business or something. I I don't know. But Okay. Yeah. yeah. That might obviously yeah. Doing kind of, like, the plumbing as well, just your own. Yeah. I can, like, I could start a business and still keep doing my job I'm doing now. I'll just get paid differently. Oh, yeah. But then I could also do other work as well as that just Yeah. so that I've got a bit of a background, a bit of a fallback if if Yeah. this my current work relies on Yeah. contracts and stuff, which will come into an end in the next year or two. Yep. We Yep. probably well, I'd say we'll we'll win it again, but we we you never know. It might not. Yeah. Yeah. So that Just that certainty. Yeah. yeah. And I don't know whether that will change things heaps or not, but can always reassess it. You know, it is part of, you know, the ongoing service, and we always continue to reassess it when things change in your life because, you know, that might change contributions into super. We might wanna change some insurances. You know, there might be other things we we can assist you with in that area. So we can definitely you know, if it is something that you're looking at, you know, down the track and and stuff, we can definitely see if we want to tweak and change anything for you. Yeah. Okay. Oh, yeah. Alright. I'm holding up too much here. Sorry. I'm No. gonna have to play. No. That's okay. You're still doing about that forty hours per week employed casual otherwise? Yeah. Yep. Yeah. Yeah. Now I do quickly just because I do go back to the insurers, I wanna make sure I have all the correct information. Now with your health, I have the pre assessment here, so I won't go through the whole thing. Have you had any new illnesses or new medications or anything since, we spoke to you last and did the pre assessment about a year ago? Any new medications or illnesses or anything like that? No. I'm not on No. any medications. No. Yep. Okay. Perfect. Now I do have here as well that you had a injury in this I'm gonna I'm not pronouncing this correctly, so apologies. Sacralic joints, kind of where the spine meets the hip about eight or nine years ago. Does that ring a bell? Yeah. Yeah? It's probably even more than that. Okay. How long do you think? Because it's I good. think it'd Then be it'd be it'd mhmm. be ten years now. Oh, three. Sweet.","start_word":5445,"end_word":5953,"sentiment":"neutral","sentiment_score":0.027182328286040974},{"text":"Perfect.","start_word":5954,"end_word":5954,"sentiment":"positive","sentiment_score":0.4195327162742615},{"text":"Because I when will me update and my that. wife first started diet, it was when it happened, and that's that's ten years in in March.","start_word":5955,"end_word":5980,"sentiment":"neutral","sentiment_score":0.16826701164245603},{"text":"So Perfect.","start_word":5981,"end_word":5982,"sentiment":"positive","sentiment_score":0.4178871512413025},{"text":"For me, it's actually ten years with my husband in April. So there you go.","start_word":5983,"end_word":5997,"sentiment":"neutral","sentiment_score":0.18339778383572897},{"text":"congratulations.","start_word":5998,"end_word":5998,"sentiment":"positive","sentiment_score":0.5296573638916016},{"text":"Yeah. You too. Alright. So ten years. When was the last time you had any, like, symptoms or issues with it? I haven't really had anything since then. Like, Okay. nothing Perfect. nothing that's prevented me from doing anything. Okay. Perfect. So about ten years ago, it happened, and about nine to ten years was the last time you had any kind of issues or symptoms from Yeah. Yeah. I I went it. Yep. on work at comp whatever it was back then, and I was off work for about two or three months. Mhmm. Yep. I I know it wasn't so much that it got badly damaged in any way. It was more just a bunch of muscles that spasmed up real bad. Yeah. Yep. Like, it wasn't really as, like, a like, like a from doing a physio, I fixed it. Like, there was no surgery or anything like that. Like, Yeah. it was just an injury Yeah. really, not not that much of Yeah. not Great.","start_word":5999,"end_word":6167,"sentiment":"neutral","sentiment_score":-0.06745410710573196},{"text":"so much of a a constant problem or anything.","start_word":6168,"end_word":6176,"sentiment":"negative","sentiment_score":-0.3824027478694916},{"text":"No. Perfect. That's good. I'll update that. Now I do have here as well, obviously, a condition similar to condition. Last time you had any symptoms or experience anything in regards to it was in 2012. Does that roughly sound about Yeah. right? That'll Yep. be right. Yep. Yep. Perfect. And now, obviously, with the knee, it happened, I have here March 2025. Obviously, last time we spoke, it was ongoing. But when was the last time you kind of had any symptoms or issues? Was that around when when was the last time, would you Well, it's taking a little bit to get over. This it's not I took my GP. He just said there's, like, nerves and things in the knee take a while to heal up. say? Yeah. Yes. So it was when I last we last spoke, it was just some little stabby feelings at times that are just Yep. it's just nerves twitching and things Yeah. like that. But Okay. So kind I haven't of really had any of that sort of stuff. yeah. I don't know. Okay. When it stops happening, you still stop thinking about it. But No. So kind yeah. I haven't of October roughly, and it's obviously yeah. not prevent not preventing you to work anymore or anything like that. Just sometimes a little bit of twitches and tingles, did you say? Yeah. I'm not really I don't really get anything more. I haven't heard that this Okay. year. Okay. Well, background October, I'll still get in touch touch with that. But So yeah. Okay.","start_word":6177,"end_word":6440,"sentiment":"neutral","sentiment_score":-0.07908376598392021},{"text":"Perfect.","start_word":6441,"end_word":6441,"sentiment":"positive","sentiment_score":0.3421764075756073},{"text":"So about October then 2025 was about last time. Any issues? yeah. Yep. Yep. Yep. Alright.","start_word":6442,"end_word":6457,"sentiment":"neutral","sentiment_score":0.07900328934192657},{"text":"Perfect.","start_word":6458,"end_word":6458,"sentiment":"positive","sentiment_score":0.46504878997802734},{"text":"And then November, I have here was last time you had physio, which was good. And would you say that the knee is kind of back now to about a 100% recovery? Yeah. It's on I'd say it's probably stronger than the other knee now.","start_word":6459,"end_word":6503,"sentiment":"neutral","sentiment_score":0.1445632129907608},{"text":"That's perfect. That's good.","start_word":6504,"end_word":6507,"sentiment":"positive","sentiment_score":0.5706788301467896},{"text":"Sometimes that's often the case. And no medications or anything like that. And let me see No. here. No. No. That was that was everything. So what I'll do now is I'll go back to to the insurance. I'll reassess who's going to be the best provider for you. Now the insurance can sometimes take a little bit for me to get that, so it might take a couple of weeks, but I'll try to do it as quickly as I can for you. And I will also reassess those investments and see if we wanna make any of those changes to make sure they're doing the best they can for you, and that we're not doing, obviously, the contribution splitting. Now when Natalie's back at work, just focusing for you your contributions on your super, and then we'll do the Yeah. I same kinda for her. wanna Yeah. build this as fast as I can and then would Yeah. like to go down to the property road probably because I just Yep. think Yeah. I don't know. I can't see property stopping anytime soon. And I will send, by by tomorrow as well, I will send you that email with the the self managed super fund and the fees with the accountant as well so you have it. And then, obviously, when you have a bit more time, you can have a read through it. If you do have any questions next time we speak, you can always just just bring it up as well. Alright.","start_word":6508,"end_word":6764,"sentiment":"neutral","sentiment_score":0.09218207776459508},{"text":"Yep. Perfect.","start_word":6765,"end_word":6766,"sentiment":"positive","sentiment_score":0.5020548701286316},{"text":"Well, if you don't have any more questions for me today, Xavier, I will let you go.","start_word":6767,"end_word":6783,"sentiment":"neutral","sentiment_score":0.29019445180892944},{"text":"I get home to the family, and I look forward to speaking with you soon again. Okay. Thank you very much. No problem. We'll speak soon.","start_word":6784,"end_word":6809,"sentiment":"positive","sentiment_score":0.6143151521682739},{"text":"Bye bye. Bye.","start_word":6810,"end_word":6812,"sentiment":"neutral","sentiment_score":0.21921178698539737}],"average":{"sentiment":"neutral","sentiment_score":0.048681921886887296}}}}