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How's everything been going so far? Yay. Yay. You have been. Yeah. K. No. That's all good. Before we jump in the call, I just have to make sure that you are aware that we do record our calls moving forward for training and quality purposes. Are you happy for me to proceed with that? Fantastic. And I'll just do a quick security check with you as well just confirm your full name, your date of birth, and address that you have on file. Yep. Fantastic. Legend. Thank you so much for that. So, Liam, one of the sort of the things I had noted here was that you wanted to sort of find out whether it was worth retaining both your super funds or rolling back to next. Is that kind of what you're thinking? Yeah. Yes. Right. Mhmm. Yes. Yeah. Correct. Yes. Yes. Mhmm. It is completely up to you. We can't provide any, I mean, we can't if you do decide to go back to Nest Super, that's completely your decision. We can't provide any advice around Nest Super just as it is. So it would essentially mean that you're turning off our services, but at the same time, it's gotta be what you're after as well. If you yeah. You're right. You're right. Here you go. Yes. Mhmm. Yeah. And, well, that's yeah. I mean, you can do that if you prefer to. It's not a problem at all. We're never gonna, you know, force you to stay with us or anything like that or we didn't have 24. If it's if it's what's more comfortable for yourself, especially given your circumstances, that is absolutely fine. Having yeah. And, I mean, all you would need to do is contact NetSuper, get them to request a rollover from Hub twenty four, and they will complete that for you. That yep. Yeah. Yeah. Mhmm. Okay. So it's more about just making sure that you've got insurance. It's less more about less about super itself. Yeah. Yeah. No. That's fine. No. Correct. Yeah. It looks like we had to retain all the insurances that you did have within that, and that was the main reason for holding that open and continuously holding Nest open. And I know you did have a conversation with my colleague in January when he did your annual review, and I think he was gonna have look at getting insurances. But, realistically, given everything, you know, your health and your past and everything, the Nestle is the only way you've gotta keep insurances in place. Absolutely. Yeah. Yeah. Absolutely. And, I mean, having Hub twenty four and Nestle together, there's no real issue with that. You can if you wanted to just be contributing to Nest, and we do regular rollovers there. But it also comes down to is the service we're providing value for you. Are you gonna wanna keep using it, or do you feel like everything is better just in one place where you can maybe just have it all? Yeah. That's fine. Yeah. Yep. Yeah. No. That's absolutely fine. That's not a problem at all. Well, you've got that meeting with the with the guy from Nest tomorrow. Was that right? Yep. Yeah. That's fine. So just when you are happy to do that, just do the rollover. I know you we did send up the annual review pack, and you haven't signed any of that. Did you want us to just keep your hub 24 as it is for the moment until you've kind of done the rollover and just help you move the money over? Yeah. Yeah. Yes. No. That's fine. Yeah. Absolutely. I mean, if you decide that you, as you said, you're not happy with what what he said or what, you know, they can do, let me know because I can provide advice and kinda look at ways to boost your super, keep things working as hard as possible for you. It's just yeah. Because we don't have adviser codes with NET, it's kind of very hard. Industry funds make it very difficult to work with external advisers. They don't generally allow us to have much in the way of codes and make us structure a lot of hoops, but they do also have their own internal advisers that can certainly help you. Just so I kind of understand where you're going with that one, you may have mentioned that the insurances, how much they pay out is relevant to the amount of super you have. Do you know how that works? No. Okay. Good. That's okay. Yes. Employer contributions. Yes. Yep. Yeah. No. Makes sense. Makes sense. No. That's okay. That's not a problem at all. Well, if you do find you have any questions or you do kind of want to talk to me more and maybe have me do advice, let me know if you find you're not happy with what happened. But, yeah, if you're happy with how everything goes with what the guy says tomorrow, just get Nest to do the rollover from Hub twenty four. Obviously, when you roll out of Hub twenty four, it does mean selling down all the investments. So there is taxes within the super fund that has to be accounted for, but that rollover can be done within sort of the next thirty days, so it can be done fairly quickly. Okay. Yeah. All good. Other than that, how have you kinda find our services? Is there any kind of, you know, anything feedback wise that you wanna say? Fantastic. No. Just a personal. Yeah. Yeah. No. That's okay. And, look, you're part of self employed part work cover, and you've had a lot going on over the last few years. So it's probably just easier to simplify your life and kind of work out what you need one step at a time. Yeah. Beautiful. All good, Liam. Well, not a problem at all. Is it okay if I maybe just get someone if we haven't heard back from you in the next maybe one or two weeks, so if I just get someone to touch base to see how you've gone. Is that okay? Yep. Oh, easy, Liam. No problem. No. Look. I will let you go. You have a good afternoon. Let me know how you go with the guy tomorrow, and, yeah, we'll go from there. Okay? You have a good afternoon. Appreciate you taking my call. Thanks. See you later. 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Liam. It's Dana from Ophi Financial. How are you this afternoon? Not much. I had people seem to go through a bit of a catch up with you.\n\nHow's now still the time? Fantastic. How's everything been going so far? Yay. Yay.\n\nYou have been. Yeah. K. No. That's all good.\n\nBefore we jump in the call, I just have to make sure that you are aware that we do record our calls moving forward for training and quality purposes. Are you happy for me to proceed with that? Fantastic. And I'll just do a quick security check with you as well just confirm your full name, your date of birth, and address that you have on file. Yep.\n\nFantastic. Legend. Thank you so much for that. So, Liam, one of the sort of the things I had noted here was that you wanted to sort of find out whether it was worth retaining both your super funds or rolling back to next. Is that kind of what you're thinking?\n\nYeah. Yes. Right. Mhmm. Yes.\n\nYeah. Correct. Yes. Yes. Mhmm.\n\nIt is completely up to you. We can't provide any, I mean, we can't if you do decide to go back to Nest Super, that's completely your decision. We can't provide any advice around Nest Super just as it is. So it would essentially mean that you're turning off our services, but at the same time, it's gotta be what you're after as well. If you yeah.\n\nYou're right. You're right. Here you go. Yes. Mhmm.\n\nYeah. And, well, that's yeah. I mean, you can do that if you prefer to. It's not a problem at all. We're never gonna, you know, force you to stay with us or anything like that or we didn't have 24.\n\nIf it's if it's what's more comfortable for yourself, especially given your circumstances, that is absolutely fine. Having yeah. And, I mean, all you would need to do is contact NetSuper, get them to request a rollover from Hub twenty four, and they will complete that for you. That yep. Yeah.\n\nYeah. Mhmm. Okay. So it's more about just making sure that you've got insurance. It's less more about less about super itself.\n\nYeah. Yeah. No. That's fine. No.\n\nCorrect. Yeah. It looks like we had to retain all the insurances that you did have within that, and that was the main reason for holding that open and continuously holding Nest open. And I know you did have a conversation with my colleague in January when he did your annual review, and I think he was gonna have look at getting insurances. But, realistically, given everything, you know, your health and your past and everything, the Nestle is the only way you've gotta keep insurances in place.\n\nAbsolutely. Yeah. Yeah. Absolutely. And, I mean, having Hub twenty four and Nestle together, there's no real issue with that.\n\nYou can if you wanted to just be contributing to Nest, and we do regular rollovers there. But it also comes down to is the service we're providing value for you. Are you gonna wanna keep using it, or do you feel like everything is better just in one place where you can maybe just have it all? Yeah. That's fine.\n\nYeah. Yep. Yeah. No. That's absolutely fine.\n\nThat's not a problem at all. Well, you've got that meeting with the with the guy from Nest tomorrow. Was that right? Yep. Yeah.\n\nThat's fine. So just when you are happy to do that, just do the rollover. I know you we did send up the annual review pack, and you haven't signed any of that. Did you want us to just keep your hub 24 as it is for the moment until you've kind of done the rollover and just help you move the money over? Yeah.\n\nYeah. Yes. No. That's fine. Yeah.\n\nAbsolutely. I mean, if you decide that you, as you said, you're not happy with what what he said or what, you know, they can do, let me know because I can provide advice and kinda look at ways to boost your super, keep things working as hard as possible for you. It's just yeah. Because we don't have adviser codes with NET, it's kind of very hard. Industry funds make it very difficult to work with external advisers.\n\nThey don't generally allow us to have much in the way of codes and make us structure a lot of hoops, but they do also have their own internal advisers that can certainly help you. Just so I kind of understand where you're going with that one, you may have mentioned that the insurances, how much they pay out is relevant to the amount of super you have. Do you know how that works? No. Okay.\n\nGood. That's okay. Yes. Employer contributions. Yes.\n\nYep. Yeah. No. Makes sense. Makes sense.\n\nNo. That's okay. That's not a problem at all. Well, if you do find you have any questions or you do kind of want to talk to me more and maybe have me do advice, let me know if you find you're not happy with what happened. But, yeah, if you're happy with how everything goes with what the guy says tomorrow, just get Nest to do the rollover from Hub twenty four.\n\nObviously, when you roll out of Hub twenty four, it does mean selling down all the investments. So there is taxes within the super fund that has to be accounted for, but that rollover can be done within sort of the next thirty days, so it can be done fairly quickly. Okay. Yeah. All good.\n\nOther than that, how have you kinda find our services? Is there any kind of, you know, anything feedback wise that you wanna say? Fantastic. No. Just a personal.\n\nYeah. Yeah. No. That's okay. And, look, you're part of self employed part work cover, and you've had a lot going on over the last few years.\n\nSo it's probably just easier to simplify your life and kind of work out what you need one step at a time. Yeah. Beautiful. All good, Liam. Well, not a problem at all.\n\nIs it okay if I maybe just get someone if we haven't heard back from you in the next maybe one or two weeks, so if I just get someone to touch base to see how you've gone. Is that okay? Yep. Oh, easy, Liam. No problem.\n\nNo. Look. I will let you go. You have a good afternoon. Let me know how you go with the guy tomorrow, and, yeah, we'll go from there.\n\nOkay? You have a good afternoon. Appreciate you taking my call. Thanks. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Liam.","start":2.8799999,"end":3.6,"sentiment":"neutral","sentiment_score":0.15716229379177094},{"text":"It's Dana from Ophi Financial.","start":3.6,"end":5.14,"sentiment":"neutral","sentiment_score":0.1732048898935318},{"text":"How are you this afternoon?","start":5.2,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.22123193442821504},{"text":"Not much.","start":8.559999,"end":9.12,"sentiment":"neutral","sentiment_score":-0.10240116715431213},{"text":"I had people seem to go through a bit of a catch up with you.","start":9.12,"end":12.24,"sentiment":"neutral","sentiment_score":-0.05413724109530449}],"sentiment":"neutral","sentiment_score":0.04378095718807187,"num_words":29,"start":2.8799999,"end":12.24},{"sentences":[{"text":"How's now still the time?","start":12.24,"end":14.0199995,"sentiment":"neutral","sentiment_score":0.018220603466033936},{"text":"Fantastic.","start":16.395,"end":16.895,"sentiment":"positive","sentiment_score":0.5379846096038818},{"text":"How's everything been going so far?","start":17.755,"end":19.775,"sentiment":"neutral","sentiment_score":0.30465853214263916},{"text":"Yay.","start":24.955,"end":25.455,"sentiment":"positive","sentiment_score":0.3997807502746582},{"text":"Yay.","start":26.235,"end":26.634998,"sentiment":"neutral","sentiment_score":0.3308635950088501}],"sentiment":"neutral","sentiment_score":0.22769165464809962,"num_words":14,"start":12.24,"end":26.634998},{"sentences":[{"text":"You have been.","start":26.634998,"end":27.435,"sentiment":"neutral","sentiment_score":0.186007226506869},{"text":"Yeah.","start":27.435,"end":27.935,"sentiment":"neutral","sentiment_score":0.08099877089262009},{"text":"K.","start":28.154999,"end":28.654999,"sentiment":"neutral","sentiment_score":0.03603452816605568},{"text":"No.","start":30.27,"end":30.51,"sentiment":"neutral","sentiment_score":0.14484569430351257},{"text":"That's all good.","start":30.51,"end":31.490002,"sentiment":"neutral","sentiment_score":0.3033321797847748}],"sentiment":"neutral","sentiment_score":0.19221080135967997,"num_words":9,"start":26.634998,"end":31.490002},{"sentences":[{"text":"Before we jump in the call, I just have to make sure that you are aware that we do record our calls moving forward for training and quality purposes.","start":31.79,"end":37.79,"sentiment":"neutral","sentiment_score":0.04754845097917935},{"text":"Are you happy for me to proceed with that?","start":37.79,"end":39.73,"sentiment":"neutral","sentiment_score":0.12817888541354072},{"text":"Fantastic.","start":40.91,"end":41.41,"sentiment":"positive","sentiment_score":0.44332772493362427},{"text":"And I'll just do a quick security check with you as well just confirm your full name, your date of birth, and address that you have on file.","start":41.55,"end":47.495003,"sentiment":"neutral","sentiment_score":0.20256192982196808},{"text":"Yep.","start":51.155003,"end":51.655003,"sentiment":"neutral","sentiment_score":0.0610383003950119}],"sentiment":"neutral","sentiment_score":0.12806786922737956,"num_words":68,"start":31.79,"end":51.655003},{"sentences":[{"text":"Fantastic.","start":53.955,"end":54.455,"sentiment":"positive","sentiment_score":0.37391266226768494},{"text":"Legend.","start":57.64,"end":58.039997,"sentiment":"neutral","sentiment_score":0.19964644312858584},{"text":"Thank you so much for that.","start":58.039997,"end":59.739998,"sentiment":"positive","sentiment_score":0.4058038542668025},{"text":"So, Liam, one of the sort of the things I had noted here was that you wanted to sort of find out whether it was worth retaining both your super funds or rolling back to next.","start":59.96,"end":68.36,"sentiment":"neutral","sentiment_score":0.03545597803571986},{"text":"Is that kind of what you're thinking?","start":68.36,"end":69.82,"sentiment":"neutral","sentiment_score":-0.009156641949500357}],"sentiment":"neutral","sentiment_score":0.08275884209091172,"num_words":51,"start":53.955,"end":69.82},{"sentences":[{"text":"Yeah.","start":70.04,"end":70.54,"sentiment":"neutral","sentiment_score":0.018457628786563873},{"text":"Yes.","start":72.735,"end":73.235,"sentiment":"neutral","sentiment_score":0.017763884738087654},{"text":"Right.","start":79.0875,"end":79.5875,"sentiment":"neutral","sentiment_score":0.0009899381548166275},{"text":"Mhmm.","start":90.32,"end":90.82,"sentiment":"neutral","sentiment_score":-0.023042356595396996},{"text":"Yes.","start":99.405,"end":99.905,"sentiment":"neutral","sentiment_score":-0.13572058081626892}],"sentiment":"neutral","sentiment_score":-0.024310297146439553,"num_words":5,"start":70.04,"end":99.905},{"sentences":[{"text":"Yeah.","start":106.207504,"end":106.707504,"sentiment":"neutral","sentiment_score":-0.11883754283189774},{"text":"Correct.","start":113.25,"end":113.75,"sentiment":"neutral","sentiment_score":0.037200815975666046},{"text":"Yes.","start":114.69,"end":115.19,"sentiment":"neutral","sentiment_score":0.26657313108444214},{"text":"Yes.","start":116.69,"end":117.19,"sentiment":"neutral","sentiment_score":0.06091930717229843},{"text":"Mhmm.","start":121.41,"end":121.91,"sentiment":"neutral","sentiment_score":0.14842793345451355}],"sentiment":"neutral","sentiment_score":0.07885672897100449,"num_words":5,"start":106.207504,"end":121.91},{"sentences":[{"text":"It is completely up to you.","start":124.69,"end":126.39,"sentiment":"neutral","sentiment_score":0.27239066114028293},{"text":"We can't provide any, I mean, we can't if you do decide to go back to Nest Super, that's completely your decision.","start":126.93,"end":133.065,"sentiment":"neutral","sentiment_score":-0.12629716030576013},{"text":"We can't provide any advice around Nest Super just as it is.","start":133.065,"end":136.925,"sentiment":"neutral","sentiment_score":-0.2424736519654592},{"text":"So it would essentially mean that you're turning off our services, but at the same time, it's gotta be what you're after as well.","start":137.545,"end":143.24501,"sentiment":"neutral","sentiment_score":-0.22422124134997526},{"text":"If you yeah.","start":143.90999,"end":145.43,"sentiment":"neutral","sentiment_score":0.03081706662972768}],"sentiment":"neutral","sentiment_score":-0.13944382053702625,"num_words":67,"start":124.69,"end":145.43},{"sentences":[{"text":"You're right.","start":145.43,"end":145.82999,"sentiment":"neutral","sentiment_score":0.15876877307891846},{"text":"You're right.","start":145.82999,"end":146.39,"sentiment":"neutral","sentiment_score":0.15315915644168854},{"text":"Here you go.","start":146.39,"end":147.37999,"sentiment":"neutral","sentiment_score":0.05172112708290418},{"text":"Yes.","start":162.855,"end":163.355,"sentiment":"neutral","sentiment_score":0.001622237265110016},{"text":"Mhmm.","start":177.65001,"end":178.15001,"sentiment":"neutral","sentiment_score":0.01736094243824482}],"sentiment":"neutral","sentiment_score":0.08866693555480903,"num_words":9,"start":145.43,"end":178.15001},{"sentences":[{"text":"Yeah.","start":179.33,"end":179.57,"sentiment":"neutral","sentiment_score":0.14449641108512878},{"text":"And, well, that's yeah.","start":179.57,"end":183.83499,"sentiment":"neutral","sentiment_score":0.24444904923439026},{"text":"I mean, you can do that if you prefer to.","start":183.83499,"end":185.83499,"sentiment":"neutral","sentiment_score":0.2613714888691902},{"text":"It's not a problem at all.","start":185.83499,"end":187.375,"sentiment":"positive","sentiment_score":0.36750810345013935},{"text":"We're never gonna, you know, force you to stay with us or anything like that or we didn't have 24.","start":187.515,"end":192.47499,"sentiment":"neutral","sentiment_score":-0.08116578850895166}],"sentiment":"neutral","sentiment_score":0.10531074017649744,"num_words":41,"start":179.33,"end":192.47499},{"sentences":[{"text":"If it's if it's what's more comfortable for yourself, especially given your circumstances, that is absolutely fine.","start":192.47499,"end":197.935,"sentiment":"neutral","sentiment_score":0.25493502178612876},{"text":"Having yeah.","start":198.62999,"end":200.39,"sentiment":"neutral","sentiment_score":0.2932133376598358},{"text":"And, I mean, all you would need to do is contact NetSuper, get them to request a rollover from Hub twenty four, and they will complete that for you.","start":200.39,"end":209.04999,"sentiment":"positive","sentiment_score":0.3452888644974807},{"text":"That yep.","start":209.67,"end":212.745,"sentiment":"neutral","sentiment_score":0.10101290047168732},{"text":"Yeah.","start":212.745,"end":213.245,"sentiment":"neutral","sentiment_score":0.07695860415697098}],"sentiment":"neutral","sentiment_score":0.29828791218061074,"num_words":51,"start":192.47499,"end":213.245},{"sentences":[{"text":"Yeah.","start":225.625,"end":226.125,"sentiment":"neutral","sentiment_score":0.04986691102385521},{"text":"Mhmm.","start":234.8,"end":235.3,"sentiment":"neutral","sentiment_score":-0.30164265632629395},{"text":"Okay.","start":238.24,"end":238.72,"sentiment":"neutral","sentiment_score":-0.08580362796783447},{"text":"So it's more about just making sure that you've got insurance.","start":238.72,"end":241.76,"sentiment":"neutral","sentiment_score":-0.06063504500145262},{"text":"It's less more about less about super itself.","start":241.76,"end":243.695,"sentiment":"neutral","sentiment_score":-0.11878796201199293}],"sentiment":"neutral","sentiment_score":-0.08885766201737252,"num_words":22,"start":225.625,"end":243.695},{"sentences":[{"text":"Yeah.","start":243.695,"end":244.195,"sentiment":"neutral","sentiment_score":-0.08553598076105118},{"text":"Yeah.","start":246.335,"end":246.835,"sentiment":"neutral","sentiment_score":-0.09392976760864258},{"text":"No.","start":247.295,"end":247.535,"sentiment":"neutral","sentiment_score":-0.22428271174430847},{"text":"That's fine.","start":247.535,"end":248.355,"sentiment":"neutral","sentiment_score":-0.31854410469532013},{"text":"No.","start":251.055,"end":251.535,"sentiment":"neutral","sentiment_score":-0.1394774615764618}],"sentiment":"neutral","sentiment_score":-0.19671902184685072,"num_words":6,"start":243.695,"end":251.535},{"sentences":[{"text":"Correct.","start":251.535,"end":252.015,"sentiment":"neutral","sentiment_score":-0.0948326140642166},{"text":"Yeah.","start":252.015,"end":252.335,"sentiment":"neutral","sentiment_score":-0.04808042198419571},{"text":"It looks like we had to retain all the insurances that you did have within that, and that was the main reason for holding that open and continuously holding Nest open.","start":252.335,"end":260.34,"sentiment":"neutral","sentiment_score":-0.08640744008364216},{"text":"And I know you did have a conversation with my colleague in January when he did your annual review, and I think he was gonna have look at getting insurances.","start":260.34,"end":269.08002,"sentiment":"neutral","sentiment_score":-0.01811498887836933},{"text":"But, realistically, given everything, you know, your health and your past and everything, the Nestle is the only way you've gotta keep insurances in place.","start":269.3,"end":278.105,"sentiment":"neutral","sentiment_score":-0.08531682081520557}],"sentiment":"neutral","sentiment_score":-0.06247629392468794,"num_words":88,"start":251.535,"end":278.105},{"sentences":[{"text":"Absolutely.","start":278.245,"end":278.745,"sentiment":"neutral","sentiment_score":0.28140586614608765},{"text":"Yeah.","start":279.365,"end":279.865,"sentiment":"neutral","sentiment_score":0.1416173279285431},{"text":"Yeah.","start":280.885,"end":281.385,"sentiment":"neutral","sentiment_score":0.1625669151544571},{"text":"Absolutely.","start":283.765,"end":284.265,"sentiment":"positive","sentiment_score":0.4927360713481903},{"text":"And, I mean, having Hub twenty four and Nestle together, there's no real issue with that.","start":284.485,"end":288.81998,"sentiment":"positive","sentiment_score":0.4281830657273531}],"sentiment":"positive","sentiment_score":0.3964627616107464,"num_words":20,"start":278.245,"end":288.81998},{"sentences":[{"text":"You can if you wanted to just be contributing to Nest, and we do regular rollovers there.","start":288.81998,"end":293.46,"sentiment":"neutral","sentiment_score":0.2902618646621704},{"text":"But it also comes down to is the service we're providing value for you.","start":293.46,"end":297.62,"sentiment":"positive","sentiment_score":0.43230339671884266},{"text":"Are you gonna wanna keep using it, or do you feel like everything is better just in one place where you can maybe just have it all?","start":297.62,"end":305.605,"sentiment":"neutral","sentiment_score":0.3086742154426045},{"text":"Yeah.","start":306.54498,"end":307.04498,"sentiment":"neutral","sentiment_score":0.08199381828308105},{"text":"That's fine.","start":307.665,"end":308.565,"sentiment":"neutral","sentiment_score":0.07833364605903625}],"sentiment":"neutral","sentiment_score":0.32064859312577326,"num_words":61,"start":288.81998,"end":308.565},{"sentences":[{"text":"Yeah.","start":312.225,"end":312.725,"sentiment":"neutral","sentiment_score":-0.06543101370334625},{"text":"Yep.","start":314.65,"end":314.89,"sentiment":"neutral","sentiment_score":0.08244780451059341},{"text":"Yeah.","start":314.89,"end":315.29,"sentiment":"neutral","sentiment_score":0.10605083405971528},{"text":"No.","start":315.29,"end":315.53,"sentiment":"neutral","sentiment_score":0.14654743671417236},{"text":"That's absolutely fine.","start":315.53,"end":316.81,"sentiment":"neutral","sentiment_score":0.30620016654332477}],"sentiment":"neutral","sentiment_score":0.1697450801730156,"num_words":7,"start":312.225,"end":316.81},{"sentences":[{"text":"That's not a problem at all.","start":316.81,"end":318.51,"sentiment":"positive","sentiment_score":0.4431586464246114},{"text":"Well, you've got that meeting with the with the guy from Nest tomorrow.","start":318.65,"end":322.25,"sentiment":"neutral","sentiment_score":0.22389606329110953},{"text":"Was that right?","start":322.25,"end":323.13,"sentiment":"neutral","sentiment_score":0.1414826363325119},{"text":"Yep.","start":323.13,"end":323.63,"sentiment":"neutral","sentiment_score":0.09050318598747252},{"text":"Yeah.","start":324.17,"end":324.41,"sentiment":"neutral","sentiment_score":0.1655893325805664}],"sentiment":"neutral","sentiment_score":0.2604225470374028,"num_words":24,"start":316.81,"end":324.41},{"sentences":[{"text":"That's fine.","start":324.41,"end":324.89,"sentiment":"neutral","sentiment_score":0.24907998740673065},{"text":"So just when you are happy to do that, just do the rollover.","start":324.89,"end":327.85,"sentiment":"neutral","sentiment_score":0.1957407845900609},{"text":"I know you we did send up the annual review pack, and you haven't signed any of that.","start":327.85,"end":332.815,"sentiment":"neutral","sentiment_score":0.09006951832109028},{"text":"Did you want us to just keep your hub 24 as it is for the moment until you've kind of done the rollover and just help you move the money over?","start":332.95502,"end":342.73502,"sentiment":"neutral","sentiment_score":0.09443804561611145},{"text":"Yeah.","start":344.37,"end":344.87,"sentiment":"neutral","sentiment_score":0.055500470101833344}],"sentiment":"neutral","sentiment_score":0.11764802136100255,"num_words":65,"start":324.41,"end":344.87},{"sentences":[{"text":"Yeah.","start":345.41,"end":345.91,"sentiment":"neutral","sentiment_score":0.05508243665099144},{"text":"Yes.","start":348.37,"end":348.85,"sentiment":"neutral","sentiment_score":0.037292055785655975},{"text":"No.","start":348.85,"end":349.17,"sentiment":"neutral","sentiment_score":-0.05692648887634277},{"text":"That's fine.","start":349.17,"end":349.91,"sentiment":"neutral","sentiment_score":-0.055127622559666634},{"text":"Yeah.","start":353.65,"end":353.97,"sentiment":"neutral","sentiment_score":-0.06313366442918777}],"sentiment":"neutral","sentiment_score":-0.022990150998036068,"num_words":6,"start":345.41,"end":353.97},{"sentences":[{"text":"Absolutely.","start":353.97,"end":354.47,"sentiment":"neutral","sentiment_score":-0.01530452724546194},{"text":"I mean, if you decide that you, as you said, you're not happy with what what he said or what, you know, they can do, let me know because I can provide advice and kinda look at ways to boost your super, keep things working as hard as possible for you.","start":354.69,"end":367.39502,"sentiment":"neutral","sentiment_score":0.07996960773187525},{"text":"It's just yeah.","start":368.255,"end":368.975,"sentiment":"neutral","sentiment_score":0.0010731671936810017},{"text":"Because we don't have adviser codes with NET, it's kind of very 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works?","start":394.275,"end":395.73502,"sentiment":"neutral","sentiment_score":0.03621305928876003},{"text":"No.","start":397.315,"end":397.815,"sentiment":"neutral","sentiment_score":-0.14067813754081726},{"text":"Okay.","start":399.23502,"end":399.73502,"sentiment":"neutral","sentiment_score":0.0015622619539499285}],"sentiment":"neutral","sentiment_score":0.025850742099512564,"num_words":76,"start":375.43,"end":399.73502},{"sentences":[{"text":"Good.","start":399.95502,"end":400.355,"sentiment":"neutral","sentiment_score":0.09690424054861067},{"text":"That's okay.","start":400.355,"end":401.17502,"sentiment":"neutral","sentiment_score":0.08630720153450966},{"text":"Yes.","start":405.15,"end":405.65,"sentiment":"neutral","sentiment_score":0.02554772049188614},{"text":"Employer contributions.","start":412.03,"end":413.16998,"sentiment":"neutral","sentiment_score":0.012002869974821806},{"text":"Yes.","start":413.55,"end":414.05,"sentiment":"neutral","sentiment_score":0.05402735620737076}],"sentiment":"neutral","sentiment_score":0.05329992289521864,"num_words":7,"start":399.95502,"end":414.05},{"sentences":[{"text":"Yep.","start":415.55,"end":416.05,"sentiment":"neutral","sentiment_score":0.06176082417368889},{"text":"Yeah.","start":416.11,"end":416.43,"sentiment":"neutral","sentiment_score":0.043803535401821136},{"text":"No.","start":416.43,"end":416.83,"sentiment":"neutral","sentiment_score":0.025632550939917564},{"text":"Makes sense.","start":416.83,"end":417.465,"sentiment":"neutral","sentiment_score":0.053569573909044266},{"text":"Makes 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four.","start":430.38,"end":438.32,"sentiment":"neutral","sentiment_score":0.17606911750940177}],"sentiment":"neutral","sentiment_score":0.10795656489591075,"num_words":73,"start":418.425,"end":438.32},{"sentences":[{"text":"Obviously, when you roll out of Hub twenty four, it does mean selling down all the investments.","start":438.78,"end":442.69998,"sentiment":"neutral","sentiment_score":-0.00454045897897552},{"text":"So there is taxes within the super fund that has to be accounted for, but that rollover can be done within sort of the next thirty days, so it can be done fairly quickly.","start":442.69998,"end":451.73502,"sentiment":"neutral","sentiment_score":0.07752710621913567},{"text":"Okay.","start":451.95502,"end":452.45502,"sentiment":"neutral","sentiment_score":0.055693767964839935},{"text":"Yeah.","start":453.155,"end":453.655,"sentiment":"neutral","sentiment_score":0.15062367916107178},{"text":"All good.","start":454.595,"end":455.315,"sentiment":"positive","sentiment_score":0.5025712549686432}],"sentiment":"neutral","sentiment_score":0.06854897756129504,"num_words":55,"start":438.78,"end":455.315},{"sentences":[{"text":"Other than that, how have you kinda find our services?","start":455.315,"end":457.795,"sentiment":"neutral","sentiment_score":0.09992271512746811},{"text":"Is there any kind of, you know, anything feedback wise that you wanna say?","start":457.795,"end":461.99,"sentiment":"neutral","sentiment_score":0.05283464943724019},{"text":"Fantastic.","start":467.97,"end":468.47,"sentiment":"positive","sentiment_score":0.5391542315483093},{"text":"No.","start":469.49,"end":469.99,"sentiment":"neutral","sentiment_score":-0.0318654403090477},{"text":"Just a 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years.","start":479.435,"end":484.715,"sentiment":"neutral","sentiment_score":0.08884731815619902}],"sentiment":"neutral","sentiment_score":0.07388170208368036,"num_words":27,"start":474.155,"end":484.715},{"sentences":[{"text":"So it's probably just easier to simplify your life and kind of work out what you need one step at a time.","start":484.715,"end":489.81,"sentiment":"neutral","sentiment_score":0.09895475005561655},{"text":"Yeah.","start":490.05,"end":490.55,"sentiment":"neutral","sentiment_score":0.10021725296974182},{"text":"Beautiful.","start":492.29,"end":492.79,"sentiment":"positive","sentiment_score":0.5423417091369629},{"text":"All good, Liam.","start":493.01,"end":493.81,"sentiment":"positive","sentiment_score":0.4792325794696808},{"text":"Well, not a problem at 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later.","start":521.8549,"end":522.4149,"sentiment":"positive","sentiment_score":0.4767972032229106}],"sentiment":"positive","sentiment_score":0.5945984780788421,"num_words":15,"start":514.325,"end":522.4149},{"sentences":[{"text":"Bye.","start":522.4149,"end":522.9149,"sentiment":"neutral","sentiment_score":0.23937837779521945}],"sentiment":"neutral","sentiment_score":0.23937837779521945,"num_words":1,"start":522.4149,"end":522.9149}]}}]},{"alternatives":[{"transcript":"Hello? Good. Thanks for chatting. Yeah. Yeah. Yeah. Perfect. Yep. Yep. Oh, yeah. Not too bad. I'm on work cover. I've been on work cover for about twelve months now, so it's a bit cheap. But other than that, yeah, not going too bad. Yep. Yep. Lane Joseph Falconer at 31 Ramsey Street, Coral in New South Wales 2646. And date of birth, 10/14/0986. Yeah. Yeah. Because I pretty much. Because I've had a chat with Nest Super. So for some reason, there must be a rep out this way now or coming out this way. And he sort of said that if I pay into Nest Super regularly and properly, like, as in, I'll pay myself a wage, which now that I'm a company in a trust, I can, but I'll actually get, like, a work cover through them. Yeah. And then I was wondering and then I was wondering if because, obviously, it's not good. This was at the start of this, it was all to do with the insurances and that that was why we kept why we kept the Nest Super as well as had the Hub 24. But I'm wondering if if I just transfer the money back into Nest Super and just make that work for me, basically. Yep. No. That's fair enough. Yep. Yeah. So I'm just yeah. So I'm just all I'm thinking is that it's probably just gonna be easier because I do forget to pay into the hub 24. We end up doing a rollover, but I wonder it goes all all the the wide subsidy sort of side of things like accidental injury. It all goes off how much you've actually got in there. Do you know what I mean? It goes off it goes off how much is in there, how much you're paying weekly, and, yeah, your contributions and stuff like that. So I was just wondering maybe we roll everything back into net, and I just work work with him for a little bit and see how it goes. No. No. No. It's Yeah. I think so. Laughing. I have a meeting with him tomorrow, so that's why I wanted this phone call. Yep. So I might do that and then work in with him about the insurances and stuff like that because, obviously, I've kept all my insurances with them because I've stayed with them, and I've been making regular contributions. But, yeah, if I can increase the amount that's in there as well as make proper contributions through a wage, that will give me accidental injury. It's base it's basically it's it's purely through insurances. It's purely for that because, yeah, I don't I don't have any of them with Hub twenty four. So yeah. Yeah. Yeah. It was very hard. That's that's exactly right. So that's what I was thinking as well. That's the only way I can possibly do it. Yep. Yeah. I feel like it's all just better I feel like it's all just better in nest with the insurances as well as the money I mean, the more that's in there, the more they'll pay out if there is accidental injury and stuff like that. Yeah. Yep. Yeah. Yeah. Let's just let's just keep it as keep it as is, and we'll get it rolled over. We'll go from there, and then I'll work in with him and see what I can do tomorrow. If I'm not happy with it, I'll ring his back, and we'll we'll we'll go from there. Yeah. Yeah. Yeah. Right. Right. Right. Yep. Yeah. No. No idea until I talk to him tomorrow. Yeah. No. I just do know I do know that me making personal contributions doesn't go towards it. It has to be done it has to be done by me actually drawing a wage and paying it paying it properly. Yeah. So yeah. Will do. Will do. Yep. Okay. Not a problem. Not a problem. Alright. No. It was good. It was good. You were easy. No. No. No. No. You were always good to be con you're always contactable and always had decent advice. So yeah. No. There's no issue. It's purely just the insurances, which makes it a lot hard hard, yeah, to to choose choose a super. So yeah. So yep. Anyway. I think so. Yeah. Yep. Yep. Perfect. Yeah. Yeah. Just get someone to give me a ring. Yep. And we'll go from there. Yeah. Not a problem. Alright. Sounds good. Thank you. You too. That's alright. See you. 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Good. Thanks for chatting. Yeah. Yeah.\n\nYeah. Perfect. Yep. Yep. Oh, yeah.\n\nNot too bad. I'm on work cover. I've been on work cover for about twelve months now, so it's a bit cheap. But other than that, yeah, not going too bad. Yep.\n\nYep. Lane Joseph Falconer at 31 Ramsey Street, Coral in New South Wales 2646. And date of birth, 10/14/0986. Yeah. Yeah.\n\nBecause I pretty much. Because I've had a chat with Nest Super. So for some reason, there must be a rep out this way now or coming out this way. And he sort of said that if I pay into Nest Super regularly and properly, like, as in, I'll pay myself a wage, which now that I'm a company in a trust, I can, but I'll actually get, like, a work cover through them. Yeah.\n\nAnd then I was wondering and then I was wondering if because, obviously, it's not good. This was at the start of this, it was all to do with the insurances and that that was why we kept why we kept the Nest Super as well as had the Hub 24. But I'm wondering if if I just transfer the money back into Nest Super and just make that work for me, basically. Yep. No.\n\nThat's fair enough. Yep. Yeah. So I'm just yeah. So I'm just all I'm thinking is that it's probably just gonna be easier because I do forget to pay into the hub 24.\n\nWe end up doing a rollover, but I wonder it goes all all the the wide subsidy sort of side of things like accidental injury. It all goes off how much you've actually got in there. Do you know what I mean? It goes off it goes off how much is in there, how much you're paying weekly, and, yeah, your contributions and stuff like that. So I was just wondering maybe we roll everything back into net, and I just work work with him for a little bit and see how it goes.\n\nNo. No. No. It's Yeah. I think so.\n\nLaughing. I have a meeting with him tomorrow, so that's why I wanted this phone call. Yep. So I might do that and then work in with him about the insurances and stuff like that because, obviously, I've kept all my insurances with them because I've stayed with them, and I've been making regular contributions. But, yeah, if I can increase the amount that's in there as well as make proper contributions through a wage, that will give me accidental injury.\n\nIt's base it's basically it's it's purely through insurances. It's purely for that because, yeah, I don't I don't have any of them with Hub twenty four. So yeah. Yeah. Yeah.\n\nIt was very hard. That's that's exactly right. So that's what I was thinking as well. That's the only way I can possibly do it. Yep.\n\nYeah. I feel like it's all just better I feel like it's all just better in nest with the insurances as well as the money I mean, the more that's in there, the more they'll pay out if there is accidental injury and stuff like that. Yeah. Yep. Yeah.\n\nYeah. Let's just let's just keep it as keep it as is, and we'll get it rolled over. We'll go from there, and then I'll work in with him and see what I can do tomorrow. If I'm not happy with it, I'll ring his back, and we'll we'll we'll go from there. Yeah.\n\nYeah. Yeah. Right. Right. Right.\n\nYep. Yeah. No. No idea until I talk to him tomorrow. Yeah.\n\nNo. I just do know I do know that me making personal contributions doesn't go towards it. It has to be done it has to be done by me actually drawing a wage and paying it paying it properly. Yeah. So yeah.\n\nWill do. Will do. Yep. Okay. Not a problem.\n\nNot a problem. Alright. No. It was good. It was good.\n\nYou were easy. No. No. No. No.\n\nYou were always good to be con you're always contactable and always had decent advice. So yeah. No. There's no issue. It's purely just the insurances, which makes it a lot hard hard, yeah, to to choose choose a super.\n\nSo yeah. So yep. Anyway. I think so. Yeah.\n\nYep. Yep. Perfect. Yeah. Yeah.\n\nJust get someone to give me a ring. Yep. And we'll go from there. Yeah. Not a problem.\n\nAlright. Sounds good. Thank you. You too. That's alright.\n\nSee you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.76,"end":2.26,"sentiment":"neutral","sentiment_score":0.028173349797725677},{"text":"Good.","start":6.3999996,"end":6.72,"sentiment":"positive","sentiment_score":0.50007563829422},{"text":"Thanks for 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yep.","start":478.16998,"end":478.99,"sentiment":"neutral","sentiment_score":-0.0070760000962764025},{"text":"Anyway.","start":479.12997,"end":479.62997,"sentiment":"neutral","sentiment_score":0.046794332563877106},{"text":"I think so.","start":487.625,"end":488.42502,"sentiment":"neutral","sentiment_score":0.0729166530072689},{"text":"Yeah.","start":488.42502,"end":488.92502,"sentiment":"neutral","sentiment_score":0.04740254580974579}],"sentiment":"neutral","sentiment_score":0.03303826098433799,"num_words":9,"start":477.44998,"end":488.92502},{"sentences":[{"text":"Yep.","start":490.185,"end":490.685,"sentiment":"neutral","sentiment_score":0.1128995269536972},{"text":"Yep.","start":490.905,"end":491.405,"sentiment":"neutral","sentiment_score":0.16410091519355774},{"text":"Perfect.","start":491.545,"end":492.045,"sentiment":"positive","sentiment_score":0.4946601986885071},{"text":"Yeah.","start":501.56,"end":501.72,"sentiment":"neutral","sentiment_score":0.04048074781894684},{"text":"Yeah.","start":501.72,"end":501.96002,"sentiment":"neutral","sentiment_score":0.03467637300491333}],"sentiment":"neutral","sentiment_score":0.16936355233192443,"num_words":5,"start":490.185,"end":501.96002},{"sentences":[{"text":"Just get someone to give me a ring.","start":501.96002,"end":503.64,"sentiment":"neutral","sentiment_score":0.0298694702796638},{"text":"Yep.","start":503.64,"end":503.96002,"sentiment":"neutral","sentiment_score":0.0578702799975872},{"text":"And we'll go from there.","start":503.96002,"end":504.84,"sentiment":"neutral","sentiment_score":0.05483943372964859},{"text":"Yeah.","start":504.84,"end":505.08002,"sentiment":"neutral","sentiment_score":0.08954697847366333},{"text":"Not a problem.","start":505.08002,"end":505.98,"sentiment":"neutral","sentiment_score":0.1376063326994578}],"sentiment":"neutral","sentiment_score":0.05963273263639874,"num_words":18,"start":501.96002,"end":505.98},{"sentences":[{"text":"Alright.","start":514.52,"end":515.02,"sentiment":"neutral","sentiment_score":0.23191606998443604},{"text":"Sounds good.","start":515.16003,"end":515.88,"sentiment":"neutral","sentiment_score":0.32413771748542786},{"text":"Thank you.","start":515.88,"end":516.62,"sentiment":"positive","sentiment_score":0.8394837975502014},{"text":"You too.","start":518.745,"end":519.485,"sentiment":"positive","sentiment_score":0.4068014472723007},{"text":"That's alright.","start":519.865,"end":520.505,"sentiment":"positive","sentiment_score":0.3802936226129532}],"sentiment":"positive","sentiment_score":0.4592610266473558,"num_words":9,"start":514.52,"end":520.505},{"sentences":[{"text":"See you.","start":520.505,"end":521.325,"sentiment":"positive","sentiment_score":0.5041906535625458},{"text":"Bye.","start":522.585,"end":523.085,"sentiment":"neutral","sentiment_score":-0.09335118532180786}],"sentiment":"neutral","sentiment_score":0.30501004060109455,"num_words":3,"start":520.505,"end":523.085}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Liam. It's Dana from Ophi Financial. How are you this afternoon?\n\nChannel 1: Good. Thanks for chatting.\n\nChannel 0: Not much. I had people seem to go through a bit of a catch up with you. How's\n\nChannel 1: Yeah.\n\nChannel 0: now still the time?\n\nChannel 1: Yeah. Yeah. Perfect. Yep. Yep.\n\nChannel 0: Fantastic. How's everything been going so far?\n\nChannel 1: Oh, yeah. Not too bad. I'm on work cover. I've been on work cover for about twelve months now, so it's\n\nChannel 0: Yay.\n\nChannel 1: a bit cheap. But\n\nChannel 0: Yay. You have been. Yeah.\n\nChannel 1: other than\n\nChannel 0: K.\n\nChannel 1: that, yeah, not going too bad.\n\nChannel 0: No. That's all good. Before we jump in the call, I just have to make sure that you are aware that we do record our calls moving forward for training and quality purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. And I'll just do a quick security check with you as well just confirm your full name, your date of birth, and address that you have on file.\n\nChannel 1: Yep. Lane Joseph Falconer at 31 Ramsey Street, Coral\n\nChannel 0: Yep.\n\nChannel 1: in New South Wales 2646.\n\nChannel 0: Fantastic.\n\nChannel 1: And date of birth, 10/14/0986.\n\nChannel 0: Legend. Thank you so much for that. So, Liam, one of the sort of the things I had noted here was that you wanted to sort of find out whether it was worth retaining both your super funds or rolling back\n\nChannel 1: Yeah.\n\nChannel 0: to next.\n\nChannel 1: Yeah.\n\nChannel 0: Is that kind\n\nChannel 1: Because\n\nChannel 0: of what\n\nChannel 1: I\n\nChannel 0: you're thinking? Yeah.\n\nChannel 1: pretty much. Because I've had a chat with\n\nChannel 0: Yes.\n\nChannel 1: Nest Super. So for some reason, there must be a rep out this way now or coming out this way. And\n\nChannel 0: Right.\n\nChannel 1: he sort of said that if I pay into Nest Super regularly and properly, like, as in, I'll pay myself a wage, which now that I'm a company in a trust, I can, but I'll\n\nChannel 0: Mhmm.\n\nChannel 1: actually get, like, a work cover through them. Yeah. And\n\nChannel 0: Yes.\n\nChannel 1: then I was wondering and then I was wondering if because, obviously, it's not good. This was at the start of this,\n\nChannel 0: Yeah.\n\nChannel 1: it was all to do with the insurances and that that was why we kept why we kept the Nest\n\nChannel 0: Correct.\n\nChannel 1: Super as well as\n\nChannel 0: Yes.\n\nChannel 1: had the Hub 24. But I'm\n\nChannel 0: Yes.\n\nChannel 1: wondering if if I just transfer the money back into Nest Super and\n\nChannel 0: Mhmm.\n\nChannel 1: just make that work for me, basically.\n\nChannel 0: It is completely up to you. We can't provide any, I mean, we can't if you do decide to go back to Nest Super, that's completely your decision. We\n\nChannel 1: Yep.\n\nChannel 0: can't provide any advice around Nest Super just\n\nChannel 1: No.\n\nChannel 0: as\n\nChannel 1: That's\n\nChannel 0: it\n\nChannel 1: fair\n\nChannel 0: is.\n\nChannel 1: enough. Yep.\n\nChannel 0: So it would essentially mean that you're turning off our services, but at the same time, it's gotta be what you're after as well.\n\nChannel 1: Yeah. So\n\nChannel 0: If\n\nChannel 1: I'm\n\nChannel 0: you\n\nChannel 1: just yeah.\n\nChannel 0: yeah. You're right. You're right. Here you\n\nChannel 1: So\n\nChannel 0: go.\n\nChannel 1: I'm just all I'm thinking is that it's probably just gonna be easier because I do forget to pay into the hub 24. We end up doing a rollover, but I wonder it goes all all the the wide subsidy sort of side of things like accidental injury. It all goes\n\nChannel 0: Yes.\n\nChannel 1: off how much you've actually got in there. Do you know what I mean? It goes off it goes off how much is in there, how much you're paying weekly, and, yeah, your contributions and stuff like that. So I was just wondering maybe we roll everything\n\nChannel 0: Mhmm.\n\nChannel 1: back into net,\n\nChannel 0: Yeah.\n\nChannel 1: and\n\nChannel 0: And,\n\nChannel 1: I just\n\nChannel 0: well, that's\n\nChannel 1: work work with him for a little bit and see how it goes.\n\nChannel 0: yeah. I mean, you can do that if you prefer to. It's not a problem at all. We're never gonna, you know, force you to stay with us or anything like\n\nChannel 1: No. No.\n\nChannel 0: that or\n\nChannel 1: No.\n\nChannel 0: we didn't\n\nChannel 1: It's\n\nChannel 0: have 24. If it's if it's what's more comfortable for yourself, especially given your circumstances, that is absolutely fine.\n\nChannel 1: Yeah. I think\n\nChannel 0: Having\n\nChannel 1: so.\n\nChannel 0: yeah. And, I mean, all you would need to do is contact NetSuper, get them to request a rollover from Hub twenty four, and they will complete that for you.\n\nChannel 1: Laughing.\n\nChannel 0: That\n\nChannel 1: I have a meeting with him tomorrow, so that's why\n\nChannel 0: yep.\n\nChannel 1: I wanted\n\nChannel 0: Yeah.\n\nChannel 1: this phone call. Yep. So I might do that and then work in with him about the insurances and stuff like that because, obviously, I've kept all my insurances with them because I've stayed with them, and I've been making regular contributions.\n\nChannel 0: Yeah.\n\nChannel 1: But, yeah, if I can increase the amount that's in there as well as make proper contributions through a wage,\n\nChannel 0: Mhmm.\n\nChannel 1: that will give me accidental injury.\n\nChannel 0: Okay. So it's more about just making sure that you've got\n\nChannel 1: It's\n\nChannel 0: insurance.\n\nChannel 1: base\n\nChannel 0: It's less\n\nChannel 1: it's\n\nChannel 0: more\n\nChannel 1: basically\n\nChannel 0: about less\n\nChannel 1: it's\n\nChannel 0: about super itself. Yeah.\n\nChannel 1: it's purely through insurances. It's purely\n\nChannel 0: Yeah.\n\nChannel 1: for that because,\n\nChannel 0: No.\n\nChannel 1: yeah,\n\nChannel 0: That's\n\nChannel 1: I don't\n\nChannel 0: fine.\n\nChannel 1: I don't have any of them with Hub twenty four. So\n\nChannel 0: No. Correct.\n\nChannel 1: yeah.\n\nChannel 0: Yeah. It looks like we had to retain all the insurances that you did have within that, and that was the main reason for holding that open and continuously holding Nest open. And I know you did have a conversation with my colleague in January when he did your annual review, and I think he was gonna have look at getting insurances. But, realistically, given everything, you know, your health and your past and everything,\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: Yeah.\n\nChannel 0: Nestle\n\nChannel 1: It was\n\nChannel 0: is\n\nChannel 1: very\n\nChannel 0: the only\n\nChannel 1: hard.\n\nChannel 0: way you've gotta keep insurances\n\nChannel 1: That's\n\nChannel 0: in\n\nChannel 1: that's\n\nChannel 0: place.\n\nChannel 1: exactly\n\nChannel 0: Absolutely.\n\nChannel 1: right. So that's what\n\nChannel 0: Yeah.\n\nChannel 1: I was thinking\n\nChannel 0: Yeah.\n\nChannel 1: as well. That's the only way I can possibly do it.\n\nChannel 0: Absolutely. And, I mean, having Hub twenty four and Nestle together, there's no real issue with that. You can if you wanted to just be contributing to Nest, and we do regular rollovers there. But\n\nChannel 1: Yep.\n\nChannel 0: it also comes down to is the service we're providing value for you. Are you gonna wanna keep using\n\nChannel 1: Yeah.\n\nChannel 0: it, or do you feel like everything is better just in one place\n\nChannel 1: I feel\n\nChannel 0: where\n\nChannel 1: like it's\n\nChannel 0: you\n\nChannel 1: all\n\nChannel 0: can\n\nChannel 1: just\n\nChannel 0: maybe\n\nChannel 1: better\n\nChannel 0: just\n\nChannel 1: I feel like it's all just\n\nChannel 0: have it\n\nChannel 1: better\n\nChannel 0: all?\n\nChannel 1: in nest with the insurances\n\nChannel 0: Yeah.\n\nChannel 1: as well as\n\nChannel 0: That's\n\nChannel 1: the money\n\nChannel 0: fine.\n\nChannel 1: I mean, the more that's in there, the more they'll pay out if there is accidental\n\nChannel 0: Yeah.\n\nChannel 1: injury and stuff like that.\n\nChannel 0: Yep. Yeah. No. That's absolutely fine. That's not a problem at all.\n\nWell, you've got that meeting with the with the guy from Nest tomorrow.\n\nChannel 1: Yeah.\n\nChannel 0: Was that right? Yep.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. That's fine. So just when you are happy to do that, just do the rollover. I know you we did send up the annual review pack, and you haven't signed any of that. Did\n\nChannel 1: Yeah.\n\nChannel 0: you want us to just keep your hub 24 as it is for the moment until you've kind of done the rollover and just\n\nChannel 1: Yeah.\n\nChannel 0: help you\n\nChannel 1: Let's just let's\n\nChannel 0: move\n\nChannel 1: just\n\nChannel 0: the money\n\nChannel 1: keep it\n\nChannel 0: over?\n\nChannel 1: as keep it as is, and we'll get it rolled\n\nChannel 0: Yeah.\n\nChannel 1: over. We'll go\n\nChannel 0: Yeah.\n\nChannel 1: from there, and then I'll work in with him\n\nChannel 0: Yes.\n\nChannel 1: and\n\nChannel 0: No.\n\nChannel 1: see\n\nChannel 0: That's\n\nChannel 1: what\n\nChannel 0: fine.\n\nChannel 1: I can do tomorrow. If I'm not happy with it, I'll ring\n\nChannel 0: Yeah.\n\nChannel 1: his\n\nChannel 0: Absolutely.\n\nChannel 1: back, and\n\nChannel 0: I mean,\n\nChannel 1: we'll\n\nChannel 0: if you\n\nChannel 1: we'll\n\nChannel 0: decide\n\nChannel 1: we'll\n\nChannel 0: that you, as\n\nChannel 1: go\n\nChannel 0: you said,\n\nChannel 1: from\n\nChannel 0: you're not\n\nChannel 1: there.\n\nChannel 0: happy with what what he said or what, you know,\n\nChannel 1: Yeah.\n\nChannel 0: they can\n\nChannel 1: Yeah.\n\nChannel 0: do, let me know because I can provide advice and kinda look at ways to boost your super, keep things working as hard as possible for you.\n\nChannel 1: Yeah. Right. Right. Right.\n\nChannel 0: It's just yeah. Because we don't have adviser codes with NET, it's kind of very hard. Industry funds make it very difficult to work with external advisers. They don't generally allow us to have much in the way of codes and make us structure a lot of hoops, but they do also\n\nChannel 1: Yep.\n\nChannel 0: have their own internal advisers that can certainly help you.\n\nChannel 1: Yeah.\n\nChannel 0: Just so I kind of understand where you're going with that one, you may have mentioned that the insurances, how much they pay out is relevant to the amount of super you have. Do you know how that works?\n\nChannel 1: No. No idea until\n\nChannel 0: No.\n\nChannel 1: I talk to him tomorrow. Yeah.\n\nChannel 0: Okay.\n\nChannel 1: No.\n\nChannel 0: Good. That's\n\nChannel 1: I\n\nChannel 0: okay.\n\nChannel 1: just do know I do know that me making personal contributions doesn't go towards\n\nChannel 0: Yes.\n\nChannel 1: it. It has to be done it has to be done by me actually drawing a wage and\n\nChannel 0: Employer contributions.\n\nChannel 1: paying it\n\nChannel 0: Yes.\n\nChannel 1: paying it properly. Yeah.\n\nChannel 0: Yep. Yeah. No.\n\nChannel 1: So\n\nChannel 0: Makes\n\nChannel 1: yeah.\n\nChannel 0: sense. Makes sense. No. That's okay. That's not a problem at all.\n\nWell, if you do find you have any questions or you do kind of want to talk to me more and maybe have me do advice, let me know if you\n\nChannel 1: Will\n\nChannel 0: find\n\nChannel 1: do.\n\nChannel 0: you're not happy with what happened. But, yeah, if you're happy with how everything goes with what the guy says tomorrow, just get Nest to do the rollover from Hub twenty four.\n\nChannel 1: Will\n\nChannel 0: Obviously,\n\nChannel 1: do.\n\nChannel 0: when you roll out of Hub twenty four, it does mean selling down all the investments. So there is taxes within the super fund that has to be accounted for, but\n\nChannel 1: Yep.\n\nChannel 0: that rollover can be done within sort of the next thirty days, so it can be done fairly quickly.\n\nChannel 1: Okay.\n\nChannel 0: Okay.\n\nChannel 1: Not a problem.\n\nChannel 0: Yeah.\n\nChannel 1: Not a problem.\n\nChannel 0: All good. Other than\n\nChannel 1: Alright.\n\nChannel 0: that, how have you kinda find our services? Is there any kind of,\n\nChannel 1: No.\n\nChannel 0: you know,\n\nChannel 1: It was good.\n\nChannel 0: anything\n\nChannel 1: It was\n\nChannel 0: feedback\n\nChannel 1: good. You\n\nChannel 0: wise\n\nChannel 1: were easy.\n\nChannel 0: that you\n\nChannel 1: No.\n\nChannel 0: wanna\n\nChannel 1: No.\n\nChannel 0: say?\n\nChannel 1: No. No. You were always good to be con you're always contactable and always had decent advice. So yeah. No.\n\nThere's\n\nChannel 0: Fantastic.\n\nChannel 1: no issue. It's\n\nChannel 0: No.\n\nChannel 1: purely just the insurances,\n\nChannel 0: Just a personal.\n\nChannel 1: which makes it a lot hard\n\nChannel 0: Yeah.\n\nChannel 1: hard,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, to to choose choose a super. So yeah.\n\nChannel 0: No.\n\nChannel 1: So yep.\n\nChannel 0: That's okay.\n\nChannel 1: Anyway.\n\nChannel 0: And, look, you're part of self employed part work cover, and you've had a lot going on over the last few years. So it's probably just easier to simplify your life and kind of\n\nChannel 1: I\n\nChannel 0: work\n\nChannel 1: think\n\nChannel 0: out\n\nChannel 1: so.\n\nChannel 0: what you need\n\nChannel 1: Yeah.\n\nChannel 0: one step at a time. Yeah.\n\nChannel 1: Yep. Yep. Perfect.\n\nChannel 0: Beautiful. All good, Liam. Well, not a problem at all. Is it okay if I maybe just get someone if we haven't heard back from you in the next maybe one or two weeks, so if I just get someone to touch\n\nChannel 1: Yeah.\n\nChannel 0: base\n\nChannel 1: Yeah.\n\nChannel 0: to\n\nChannel 1: Just\n\nChannel 0: see how\n\nChannel 1: get\n\nChannel 0: you've\n\nChannel 1: someone\n\nChannel 0: gone.\n\nChannel 1: to give\n\nChannel 0: Is\n\nChannel 1: me\n\nChannel 0: that\n\nChannel 1: a ring.\n\nChannel 0: okay?\n\nChannel 1: Yep. And we'll go from\n\nChannel 0: Yep.\n\nChannel 1: there. Yeah. Not a problem.\n\nChannel 0: Oh, easy, Liam. No problem. No. Look. I will let you go.\n\nYou have a good afternoon. Let me know how you go with the guy tomorrow, and, yeah, we'll go from there. Okay?\n\nChannel 1: Alright. Sounds good. Thank you.\n\nChannel 0: You have a good afternoon. Appreciate you\n\nChannel 1: You\n\nChannel 0: taking\n\nChannel 1: too.\n\nChannel 0: my call.\n\nChannel 1: That's alright. See you.\n\nChannel 0: Thanks. See you later. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.76,"end":2.26,"sentiment":"neutral","sentiment_score":0.028173349797725677}],"sentiment":"neutral","sentiment_score":0.028173349797725677,"channel":1,"num_words":1,"start":1.76,"end":2.26},{"sentences":[{"text":"Hi, Liam.","start":2.8799999,"end":3.6,"sentiment":"neutral","sentiment_score":0.15716229379177094},{"text":"It's Dana from Ophi Financial.","start":3.6,"end":5.14,"sentiment":"neutral","sentiment_score":0.1732048898935318},{"text":"How are you this afternoon?","start":5.2,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.22123193442821504}],"sentiment":"neutral","sentiment_score":0.19054239243268967,"channel":0,"num_words":12,"start":2.8799999,"end":6.3399997},{"sentences":[{"text":"Good.","start":6.3999996,"end":6.72,"sentiment":"positive","sentiment_score":0.50007563829422},{"text":"Thanks for chatting.","start":6.72,"end":7.7799997,"sentiment":"positive","sentiment_score":0.540368378162384}],"sentiment":"positive","sentiment_score":0.530295193195343,"channel":1,"num_words":4,"start":6.3999996,"end":7.7799997},{"sentences":[{"text":"Not much.","start":8.559999,"end":9.12,"sentiment":"neutral","sentiment_score":-0.10240116715431213},{"text":"I had people seem to go through a bit of a catch up with you.","start":9.12,"end":12.24,"sentiment":"neutral","sentiment_score":-0.05413724109530449},{"text":"How's","start":12.24,"end":12.74,"sentiment":"neutral","sentiment_score":0.02245374396443367}],"sentiment":"neutral","sentiment_score":-0.05524484482076433,"channel":0,"num_words":18,"start":8.559999,"end":12.74},{"sentences":[{"text":"Yeah.","start":12.525,"end":13.025,"sentiment":"neutral","sentiment_score":0.019516486674547195}],"sentiment":"neutral","sentiment_score":0.019516486674547195,"channel":1,"num_words":1,"start":12.525,"end":13.025},{"sentences":[{"text":"now still the time?","start":12.799999,"end":14.0199995,"sentiment":"neutral","sentiment_score":0.017162318341434002}],"sentiment":"neutral","sentiment_score":0.017162318341434002,"channel":0,"num_words":4,"start":12.799999,"end":14.0199995},{"sentences":[{"text":"Yeah.","start":13.965,"end":14.365,"sentiment":"neutral","sentiment_score":0.058449313044548035},{"text":"Yeah.","start":14.365,"end":14.605,"sentiment":"neutral","sentiment_score":0.1375899314880371},{"text":"Perfect.","start":14.605,"end":15.105,"sentiment":"positive","sentiment_score":0.34626710414886475},{"text":"Yep.","start":15.245,"end":15.565001,"sentiment":"neutral","sentiment_score":0.18628957867622375},{"text":"Yep.","start":15.565001,"end":16.065,"sentiment":"neutral","sentiment_score":0.24198627471923828}],"sentiment":"neutral","sentiment_score":0.1941164404153824,"channel":1,"num_words":5,"start":13.965,"end":16.065},{"sentences":[{"text":"Fantastic.","start":16.395,"end":16.895,"sentiment":"positive","sentiment_score":0.5379846096038818},{"text":"How's everything been going so far?","start":17.755,"end":19.775,"sentiment":"neutral","sentiment_score":0.30465853214263916}],"sentiment":"positive","sentiment_score":0.3379908289228167,"channel":0,"num_words":7,"start":16.395,"end":19.775},{"sentences":[{"text":"Oh, yeah.","start":20.845001,"end":21.244999,"sentiment":"neutral","sentiment_score":0.10704471170902252},{"text":"Not too bad.","start":21.244999,"end":21.805,"sentiment":"neutral","sentiment_score":0.11400105059146881},{"text":"I'm on work cover.","start":21.805,"end":22.525,"sentiment":"neutral","sentiment_score":0.09167029708623886},{"text":"I've been on work cover for about twelve months now, so it's","start":22.525,"end":25.085,"sentiment":"neutral","sentiment_score":0.09589748922735453}],"sentiment":"neutral","sentiment_score":0.09874017306026958,"channel":1,"num_words":21,"start":20.845001,"end":25.085},{"sentences":[{"text":"Yay.","start":24.955,"end":25.455,"sentiment":"positive","sentiment_score":0.3997807502746582}],"sentiment":"positive","sentiment_score":0.3997807502746582,"channel":0,"num_words":1,"start":24.955,"end":25.455},{"sentences":[{"text":"a bit cheap.","start":25.085,"end":25.724998,"sentiment":"neutral","sentiment_score":0.06899588058392207},{"text":"But","start":25.724998,"end":26.22,"sentiment":"neutral","sentiment_score":0.16775023937225342}],"sentiment":"neutral","sentiment_score":0.0936844702810049,"channel":1,"num_words":4,"start":25.085,"end":26.22},{"sentences":[{"text":"Yay.","start":26.235,"end":26.634998,"sentiment":"neutral","sentiment_score":0.3308635950088501},{"text":"You have been.","start":26.634998,"end":27.435,"sentiment":"neutral","sentiment_score":0.186007226506869},{"text":"Yeah.","start":27.435,"end":27.935,"sentiment":"neutral","sentiment_score":0.08099877089262009}],"sentiment":"neutral","sentiment_score":0.19397680908441545,"channel":0,"num_words":5,"start":26.235,"end":27.935},{"sentences":[{"text":"other than","start":27.82,"end":28.3,"sentiment":"neutral","sentiment_score":0.036614466458559036}],"sentiment":"neutral","sentiment_score":0.036614466458559036,"channel":1,"num_words":2,"start":27.82,"end":28.3},{"sentences":[{"text":"K.","start":28.154999,"end":28.654999,"sentiment":"neutral","sentiment_score":0.03603452816605568}],"sentiment":"neutral","sentiment_score":0.03603452816605568,"channel":0,"num_words":1,"start":28.154999,"end":28.654999},{"sentences":[{"text":"that, yeah, not going too bad.","start":28.3,"end":30.0,"sentiment":"neutral","sentiment_score":0.08686886976162593}],"sentiment":"neutral","sentiment_score":0.08686886976162593,"channel":1,"num_words":6,"start":28.3,"end":30.0},{"sentences":[{"text":"No.","start":30.27,"end":30.51,"sentiment":"neutral","sentiment_score":0.14484569430351257},{"text":"That's all good.","start":30.51,"end":31.490002,"sentiment":"neutral","sentiment_score":0.3033321797847748},{"text":"Before we jump in the call, I just have to make sure that you are aware that we do record our calls moving forward for training and quality purposes.","start":31.79,"end":37.79,"sentiment":"neutral","sentiment_score":0.04754845097917935},{"text":"Are you happy for me to proceed with that?","start":37.79,"end":39.73,"sentiment":"neutral","sentiment_score":0.12817888541354072}],"sentiment":"neutral","sentiment_score":0.08541326858990249,"channel":0,"num_words":42,"start":30.27,"end":39.73},{"sentences":[{"text":"Yep.","start":39.739998,"end":40.239998,"sentiment":"neutral","sentiment_score":0.18968497216701508}],"sentiment":"neutral","sentiment_score":0.18968497216701508,"channel":1,"num_words":1,"start":39.739998,"end":40.239998},{"sentences":[{"text":"Fantastic.","start":40.91,"end":41.41,"sentiment":"positive","sentiment_score":0.44332772493362427},{"text":"And I'll just do a quick security check with you as well just confirm your full name, your date of birth, and address that you have on 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The customer can request rollover from Hub 24 and increase monthly contributions to make accidental injury. The agent suggests keeping the plan and recommends speaking to an adviser if the customer finds issues. Personal contributions are not allowed, and the customer is advised to call in a few weeks to discuss the situation."},"intents":{"segments":[{"text":"wondering if if I just transfer the money back into Nest Super and Mhmm. just make that work for me, basically. It is completely up to you. We can't provide any, I mean, we can't if you do decide to go back to Nest Super, that's completely your decision. We Yep.","start_word":374,"end_word":424,"intents":[{"intent":"Transfer money","confidence_score":0.6496689}]},{"text":"can't provide any advice around Nest Super just No. as That's it fair is. enough.","start_word":425,"end_word":439,"intents":[{"intent":"Provide advice","confidence_score":0.2819339}]},{"text":"So I was just wondering maybe we roll everything Mhmm. back into net, Yeah.","start_word":571,"end_word":584,"intents":[{"intent":"Roll everything back into net","confidence_score":0.21623148}]},{"text":"And, I mean, all you would need to do is contact NetSuper, get them to request a rollover from Hub twenty four, and they will complete that for you. Laughing.","start_word":668,"end_word":697,"intents":[{"intent":"Request rollover","confidence_score":0.6519}]},{"text":"So I might do that and then work in with him about the insurances and stuff like that because, obviously, I've kept all my insurances with them because I've stayed with them, and I've been making regular contributions. Yeah.","start_word":717,"end_word":755,"intents":[{"intent":"Maintain insurances","confidence_score":0.016943386}]},{"text":"way you've gotta keep insurances That's in that's place. exactly Absolutely.","start_word":926,"end_word":936,"intents":[{"intent":"Keep insurances","confidence_score":0.6206414}]},{"text":"And, I mean, having Hub twenty four and Nestle together, there's no real issue with that. You can if you wanted to just be contributing to Nest, and we do regular rollovers there. But Yep.","start_word":957,"end_word":991,"intents":[{"intent":"Keep hub 24 and nestle together","confidence_score":0.033571657}]},{"text":"Are you gonna wanna keep using Yeah. it, or do you feel like everything is better just in one place I feel where like it's you all can just maybe better just I feel like it's all just have it better all? in nest with the insurances Yeah.","start_word":1005,"end_word":1052,"intents":[{"intent":"Keep nestland","confidence_score":0.055129927},{"intent":"Keep nestland","confidence_score":0.026862584}]},{"text":"help you Let's just let's move just the money keep it over? as keep it as is, and we'll get it rolled Yeah. over.","start_word":1174,"end_word":1197,"intents":[{"intent":"Roll over money","confidence_score":0.0030024347}]},{"text":"We'll go Yeah. from there, and then I'll work in with him Yes.","start_word":1198,"end_word":1210,"intents":[{"intent":"Work together with nestland","confidence_score":0.0014291691},{"intent":"Work together with nestland","confidence_score":0.02656316}]},{"text":"Well, if you do find you have any questions or you do kind of want to talk to me more and maybe have me do advice, let me know if you Will find do.","start_word":1477,"end_word":1510,"intents":[{"intent":"Clarify guidance","confidence_score":0.0009557493}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Liam. It's Dana from Ophi Financial. How are you this afternoon?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.17077158391475675},{"text":"Good. Thanks for chatting.","start_word":13,"end_word":16,"sentiment":"positive","sentiment_score":0.5093430876731873},{"text":"Not much. I had people seem to go through a bit of a catch up with you. How's Yeah. now still the time? Yeah. Yeah.","start_word":17,"end_word":41,"sentiment":"neutral","sentiment_score":-0.019920842722058296},{"text":"Perfect.","start_word":42,"end_word":42,"sentiment":"positive","sentiment_score":0.34626710414886475},{"text":"Yep. Yep.","start_word":43,"end_word":44,"sentiment":"neutral","sentiment_score":0.21413791179656985},{"text":"Fantastic.","start_word":45,"end_word":45,"sentiment":"positive","sentiment_score":0.5379846096038818},{"text":"How's everything been going so far? Oh, yeah. Not too bad. I'm on work cover. I've been on work cover for about twelve months now, so it's Yay. a bit cheap. But Yay. You have been. Yeah. other than K. that, yeah, not going too bad. No. That's all good. Before we jump in the call, I just have to make sure that you are aware that we do record our calls moving forward for training and quality purposes. Are you happy for me to proceed with that? Yep.","start_word":46,"end_word":134,"sentiment":"neutral","sentiment_score":0.130629763007164},{"text":"Fantastic.","start_word":135,"end_word":135,"sentiment":"positive","sentiment_score":0.44332772493362427},{"text":"And I'll just do a quick security check with you as well just confirm your full name, your date of birth, and address that you have on file. Yep. Lane Joseph Falconer at 31 Ramsey Street, Coral Yep. in New South Wales 2646.","start_word":136,"end_word":178,"sentiment":"neutral","sentiment_score":0.14420893788337708},{"text":"Fantastic.","start_word":179,"end_word":179,"sentiment":"positive","sentiment_score":0.37391266226768494},{"text":"And date of birth, 10/14/0986. Legend.","start_word":180,"end_word":185,"sentiment":"neutral","sentiment_score":0.15590746700763702},{"text":"Thank you so much for that.","start_word":186,"end_word":191,"sentiment":"positive","sentiment_score":0.4112502932548523},{"text":"So, Liam, one of the sort of the things I had noted here was that you wanted to sort of find out whether it was worth retaining both your super funds or rolling back Yeah. to next. Yeah. Is that kind Because of what I you're thinking? Yeah. pretty much. Because I've had a chat with Yes. Nest Super. So for some reason, there must be a rep out this way now or coming out this way. And Right. he sort of said that if I pay into Nest Super regularly and properly, like, as in, I'll pay myself a wage, which now that I'm a company in a trust, I can, but I'll Mhmm. actually get, like, a work cover through them. Yeah. And Yes.","start_word":192,"end_word":317,"sentiment":"neutral","sentiment_score":-0.0008339598139245358},{"text":"then I was wondering and then I was wondering if because, obviously, it's not good.","start_word":318,"end_word":332,"sentiment":"negative","sentiment_score":-0.4833346009254456},{"text":"This was at the start of this, Yeah. it was all to do with the insurances and that that was why we kept why we kept the Nest Correct. Super as well as Yes. had the Hub 24. But I'm Yes. wondering if if I just transfer the money back into Nest Super and Mhmm. just make that work for me, basically. It is completely up to you. We can't provide any, I mean, we can't if you do decide to go back to Nest Super, that's completely your decision. We Yep. can't provide any advice around Nest Super just No. as That's it fair is. enough. Yep. So it would essentially mean that you're turning off our services, but at the same time, it's gotta be what you're after as well. Yeah. So If I'm you just yeah. yeah. You're right. You're right. Here you So go. I'm just all I'm thinking is that it's probably just gonna be easier because I do forget to pay into the hub 24. We end up doing a rollover, but I wonder it goes all all the the wide subsidy sort of side of things like accidental injury. It all goes Yes. off how much you've actually got in there. Do you know what I mean? It goes off it goes off how much is in there, how much you're paying weekly, and, yeah, your contributions and stuff like that. So I was just wondering maybe we roll everything Mhmm. back into net, Yeah. and And, I just well, that's work work with him for a little bit and see how it goes. yeah. I mean, you can do that if you prefer to.","start_word":333,"end_word":614,"sentiment":"neutral","sentiment_score":-0.009054683148860931},{"text":"It's not a problem at all.","start_word":615,"end_word":620,"sentiment":"positive","sentiment_score":0.4201871454715729},{"text":"We're never gonna, you know, force you to stay with us or anything like No. No. that or No. we didn't It's have 24. If it's if it's what's more comfortable for yourself, especially given your circumstances, that is absolutely fine. Yeah. I think Having so. yeah.","start_word":621,"end_word":667,"sentiment":"neutral","sentiment_score":0.09224259108304976},{"text":"And, I mean, all you would need to do is contact NetSuper, get them to request a rollover from Hub twenty four, and they will complete that for you.","start_word":668,"end_word":696,"sentiment":"positive","sentiment_score":0.33977967500686646},{"text":"Laughing. That I have a meeting with him tomorrow, so that's why yep. I wanted Yeah. this phone call. Yep. So I might do that and then work in with him about the insurances and stuff like that because, obviously, I've kept all my insurances with them because I've stayed with them, and I've been making regular contributions. Yeah. But, yeah, if I can increase the amount that's in there as well as make proper contributions through a wage, Mhmm.","start_word":697,"end_word":776,"sentiment":"neutral","sentiment_score":0.07150581479072571},{"text":"that will give me accidental injury.","start_word":777,"end_word":782,"sentiment":"negative","sentiment_score":-0.5116536021232605},{"text":"Okay. So it's more about just making sure that you've got It's insurance. base It's less it's more basically about less it's about super itself. Yeah. it's purely through insurances. It's purely Yeah. for that because, No. yeah, That's I don't fine. I don't have any of them with Hub twenty four. So No. Correct. yeah. Yeah. It looks like we had to retain all the insurances that you did have within that, and that was the main reason for holding that open and continuously holding Nest open. And I know you did have a conversation with my colleague in January when he did your annual review, and I think he was gonna have look at getting insurances. But, realistically, given everything, you know, your health and your past and everything, Yeah. the Yeah. Nestle It was is very the only hard. way you've gotta keep insurances That's in that's place. exactly Absolutely. right. So that's what Yeah. I was thinking Yeah. as well.","start_word":783,"end_word":946,"sentiment":"neutral","sentiment_score":-0.07843746235821306},{"text":"That's the only way I can possibly do it. Absolutely. And, I mean, having Hub twenty four and Nestle together, there's no real issue with that.","start_word":947,"end_word":972,"sentiment":"positive","sentiment_score":0.4025011360645294},{"text":"You can if you wanted to just be contributing to Nest, and we do regular rollovers there. But Yep.","start_word":973,"end_word":991,"sentiment":"neutral","sentiment_score":0.29186567664146423},{"text":"it also comes down to is the service we're providing value for you.","start_word":992,"end_word":1004,"sentiment":"positive","sentiment_score":0.4700152575969696},{"text":"Are you gonna wanna keep using Yeah.","start_word":1005,"end_word":1011,"sentiment":"neutral","sentiment_score":0.27596595883369446},{"text":"it, or do you feel like everything is better just in one place I feel where like it's you all can just maybe better just I feel like it's all just have it better all?","start_word":1012,"end_word":1046,"sentiment":"positive","sentiment_score":0.3803931176662445},{"text":"in nest with the insurances Yeah. as well as That's the money fine. I mean, the more that's in there, the more they'll pay out if there is accidental Yeah. injury and stuff like that. Yep. Yeah. No. That's absolutely fine.","start_word":1047,"end_word":1087,"sentiment":"neutral","sentiment_score":0.04394124448299408},{"text":"That's not a problem at all.","start_word":1088,"end_word":1093,"sentiment":"positive","sentiment_score":0.45053407549858093},{"text":"Well, you've got that meeting with the with the guy from Nest tomorrow. Yeah. Was that right? Yep. Yep. Yeah. That's fine. So just when you are happy to do that, just do the rollover. I know you we did send up the annual review pack, and you haven't signed any of that. Did Yeah. you want us to just keep your hub 24 as it is for the moment until you've kind of done the rollover and just Yeah. help you Let's just let's move just the money keep it over? as keep it as is, and we'll get it rolled Yeah. over. We'll go Yeah. from there, and then I'll work in with him Yes. and No. see That's what fine. I can do tomorrow. If I'm not happy with it, I'll ring Yeah. his Absolutely. back, and I mean, we'll if you we'll decide we'll that you, as go you said, from you're not there. happy with what what he said or what, you know, Yeah. they can Yeah. do, let me know because I can provide advice and kinda look at ways to boost your super, keep things working as hard as possible for you. Yeah. Right. Right. Right. It's just yeah. Because we don't have adviser codes with NET, it's kind of very hard. Industry funds make it very difficult to work with external advisers. They don't generally allow us to have much in the way of codes and make us structure a lot of hoops, but they do also Yep. have their own internal advisers that can certainly help you. Yeah. Just so I kind of understand where you're going with that one, you may have mentioned that the insurances, how much they pay out is relevant to the amount of super you have. Do you know how that works? No. No idea until No. I talk to him tomorrow. Yeah. Okay. No. Good. That's I okay. just do know I do know that me making personal contributions doesn't go towards Yes. it. It has to be done it has to be done by me actually drawing a wage and Employer contributions. paying it Yes. paying it properly. Yeah. Yep. Yeah. No. So Makes yeah. sense. Makes sense. No. That's okay. That's not a problem at all. Well, if you do find you have any questions or you do kind of want to talk to me more and maybe have me do advice, let me know if you Will find do. you're not happy with what happened. But, yeah, if you're happy with how everything goes with what the guy says tomorrow, just get Nest to do the rollover from Hub twenty four. Will Obviously, do. when you roll out of Hub twenty four, it does mean selling down all the investments. So there is taxes within the super fund that has to be accounted for, but Yep. that rollover can be done within sort of the next thirty days, so it can be done fairly quickly. Okay. Okay. Not a problem. Yeah. Not a problem.","start_word":1094,"end_word":1605,"sentiment":"neutral","sentiment_score":0.050226836785441265},{"text":"All good.","start_word":1606,"end_word":1607,"sentiment":"positive","sentiment_score":0.4880978465080261},{"text":"Other than Alright. that, how have you kinda find our services? Is there any kind of, No. you know, It was good. anything It was feedback good. You wise were easy. that you No. wanna No. say? No. No. You were always good to be con you're always contactable and always had decent advice. So yeah. No.","start_word":1608,"end_word":1664,"sentiment":"neutral","sentiment_score":0.09998134523630142},{"text":"There's Fantastic.","start_word":1665,"end_word":1666,"sentiment":"positive","sentiment_score":0.4839080274105072},{"text":"no issue. It's No. purely just the insurances, Just a personal. which makes it a lot hard Yeah. hard, Yeah. yeah, to to choose choose a super. So yeah. No. So yep. That's okay. Anyway. And, look, you're part of self employed part work cover, and you've had a lot going on over the last few years. So it's probably just easier to simplify your life and kind of I work think out so. what you need Yeah. one step at a time. Yeah. Yep. Yep.","start_word":1667,"end_word":1752,"sentiment":"neutral","sentiment_score":0.05213087797164917},{"text":"Perfect. Beautiful. All good, Liam.","start_word":1753,"end_word":1757,"sentiment":"positive","sentiment_score":0.4952316880226135},{"text":"Well, not a problem at all. Is it okay if I maybe just get someone if we haven't heard back from you in the next maybe one or two weeks, so if I just get someone to touch Yeah. base Yeah. to Just see how get you've someone gone. to give Is me that a ring. okay? Yep. And we'll go from Yep. there. Yeah. Not a problem. Oh, easy, Liam. No problem. No. Look. I will let you go.","start_word":1758,"end_word":1837,"sentiment":"neutral","sentiment_score":0.08468365669250488},{"text":"You have a good afternoon.","start_word":1838,"end_word":1842,"sentiment":"positive","sentiment_score":0.35270291566848755},{"text":"Let me know how you go with the guy tomorrow, and, yeah, we'll go from there. Okay? Alright.","start_word":1843,"end_word":1860,"sentiment":"neutral","sentiment_score":0.18265244364738464},{"text":"Sounds good. Thank you. You have a good afternoon. Appreciate you You taking too.","start_word":1861,"end_word":1874,"sentiment":"positive","sentiment_score":0.6683862464768546},{"text":"my call.","start_word":1875,"end_word":1876,"sentiment":"neutral","sentiment_score":0.30171293020248413},{"text":"That's alright. See you. Thanks. See you later.","start_word":1877,"end_word":1884,"sentiment":"positive","sentiment_score":0.47446349263191223},{"text":"Bye. Bye.","start_word":1885,"end_word":1886,"sentiment":"neutral","sentiment_score":0.18975982069969177}],"average":{"sentiment":"neutral","sentiment_score":0.07206827344332588}}}}