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No. Yeah. Oh, of course, definitely not. I do not think that in any way, shape, or form. How much have you had to use out of your savings? Okay. These circumstances have changed a little bit significantly. Yeah. Okay. Okay. It's just about a little over half from what we had initially. That's absolutely okay. What we can do if you wanted, I could still go through the advice document for you, or I could always go back and just kind of rejig the numbers and maybe update it to reflect your current circumstances. Did you want me just to go back and rejig it a little bit to reflect the changes in your circumstances at all? Yeah. That's no. No. Yeah. No. That's absolutely okay. It's not a problem at all. Look. Before I jump to the call, I'm gonna be talking more about your personal circumstance. So I do have to just reconfirm that you're comfortable with me recording the phone call moving forward. Yeah. Beautiful. And just to double check, I'll go through and do security with you as well. Well, I don't have a lot here for you. So sorry. I'm just pulling up your file correctly. I'll just get you to confirm your full name, date of birth, and address there for me just so I make sure I'm being security conscious. Yep. Beautiful. Lovely. Thank you so much for that. Now so what I can do, if you like, is I could just go back. I can read you the numbers. I did have the advice all ready to go, but please do not in any way, shape, or form think that I think any ill of you in any way. Things happen. Life happens, and it's about just finding your way back on top of that. So I'm more than happy just to go back quickly, read you the numbers for you, and then I can present the advice again to you maybe a day next week. Is that okay? Yep. That's alright. So just no. Yeah. It's honestly fine, Kobe. That's what I'm here for, so please do not feel guilty in any way, shape, or form. As I said, life happens. It's completely understandable, and I really enjoy doing this kind of work. So I do not mind going back and rejigging the numbers for you in any way, shape, or form. Okay? Oh, good. Now you mentioned that you have about 3,500 left after the changes. Is that right? Yep. Beautiful. And are you still fairly comfortable with the the putting the full 3,500 into the investment, or did you wanna maybe change the original initial deposit? Yep. Yep. Beautiful. Not a problem at all. And now with what we had sort of discussed originally, the way the recommendation was to go was to be putting in between 2 to 300 on a fortnightly basis. Are you still finding that is fairly comfortable for where you're at, or would you maybe like to alter that amount? Okay. Yep. That's okay. Would the the amount we were looking at was between 2 to 300 on a fortnightly basis. So it's around about a 150 to a 100 to $1.50 on a weekly basis. Do you still think that should be reduced a little bit? Yep. No. That's okay. It's absolutely fine. How much do you feel comfortable putting into the investment on a weekly, fortnightly, or monthly basis now that your circumstances have changed? Yep. Yep. Okay. So three 100 and 50. Yep. So 350 left over for the next fortnight. So what if we maybe dropped it down to, say, 150 to 200 on a fortnightly basis to see what that does for us? Does that feel fairly comfortable? Yep. Yep. That's okay. With you budgeting, say, $200 on a fortnightly basis for rent and a $100 a fortnight for utilities there as well, what are you spending in food? Do you do, like, your grocery bill as well, or do you need to put in for food? Yep. Okay. No problem at all. So 50 to 100. I can budget an extra, say, $100 towards the food side of things and per fortnight. Would that be okay? Yep. Yep. Beautiful. Lovely. So we're just altering that. What's your regular income amount on a fortnightly basis at the moment? What are you regularly receiving? $7.30 per fortnight? And that's fairly standard. You get that generally every fortnight regardless. It's it doesn't sort of fluctuate too much? Yep. That's okay. Not a problem at all. Beautiful. And now we were sort of banking on the next seven years. The only sort of thing to really consider is to maybe get our savings working a little bit harder. We may need to maybe be willing to extend that time frame out a little bit more. Are you comfortable extending that time frame by maybe one or two years, or are you sort of stuck on that seven years to be able to buy the property? What's your sort of thoughts around that? Yep. That's okay. Well, I can have a look at seven years to see where we can sorta go, and then I can also look at maybe eight or ten years to sorta see what that looks like for you because we are reducing the amount that we're starting with and reducing the regular contributions. So extending the time frame can definitely be of some help, but I'll go back and rejig those numbers and have a look at what we can do there. Okay? No. That's oh, no. It's not a problem at all, please. You have nothing to apologize for. What I will do after the call is I will just send you an email just kinda recapping those numbers just to get you to reconfirm them for me. I'll go back and just redig those numbers there. I'll read you up the advice document for you. Is there a day next week that might suit you to run through the advice? Okay. Yeah. Perfect. And is this time of day normally the best for you? 04:00. Queensland. Not a problem at all. Well, how about next Monday? I do actually have 04:00 available. So I can give you the a call at the same time next Monday, and we can just run through that. Does that sound alright? Yep. Beautiful. Not a problem at all. I'll just send you a quick email after the call just to recap those numbers just to make sure that's still your comfort level, and then I'll go back. I'll just figure out the advice document for you. I'll call you next Monday. We'll run through that. If there are any changes, you're welcome to let me know. Okay? But you have nothing to apologize for. Alright? That's okay, Kirby. I hope you have a good week. Thank you. I'll talk to you soon. See you later. 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Kobe. It's Dana from Okey Financial. How are you? No. That's okay.\n\nThe idea that sorry. The end of the sentence, you said, I guess. Is everything okay? Yeah. Yeah.\n\nI'm so sorry. Yeah. No. Yeah. Oh, of course, definitely not.\n\nI do not think that in any way, shape, or form. How much have you had to use out of your savings? Okay. These circumstances have changed a little bit significantly. Yeah.\n\nOkay. Okay. It's just about a little over half from what we had initially. That's absolutely okay. What we can do if you wanted, I could still go through the advice document for you, or I could always go back and just kind of rejig the numbers and maybe update it to reflect your current circumstances.\n\nDid you want me just to go back and rejig it a little bit to reflect the changes in your circumstances at all? Yeah. That's no. No. Yeah.\n\nNo. That's absolutely okay. It's not a problem at all. Look. Before I jump to the call, I'm gonna be talking more about your personal circumstance.\n\nSo I do have to just reconfirm that you're comfortable with me recording the phone call moving forward. Yeah. Beautiful. And just to double check, I'll go through and do security with you as well. Well, I don't have a lot here for you.\n\nSo sorry. I'm just pulling up your file correctly. I'll just get you to confirm your full name, date of birth, and address there for me just so I make sure I'm being security conscious. Yep. Beautiful.\n\nLovely. Thank you so much for that. Now so what I can do, if you like, is I could just go back. I can read you the numbers. I did have the advice all ready to go, but please do not in any way, shape, or form think that I think any ill of you in any way.\n\nThings happen. Life happens, and it's about just finding your way back on top of that. So I'm more than happy just to go back quickly, read you the numbers for you, and then I can present the advice again to you maybe a day next week. Is that okay? Yep.\n\nThat's alright. So just no. Yeah. It's honestly fine, Kobe. That's what I'm here for, so please do not feel guilty in any way, shape, or form.\n\nAs I said, life happens. It's completely understandable, and I really enjoy doing this kind of work. So I do not mind going back and rejigging the numbers for you in any way, shape, or form. Okay? Oh, good.\n\nNow you mentioned that you have about 3,500 left after the changes. Is that right? Yep. Beautiful. And are you still fairly comfortable with the the putting the full 3,500 into the investment, or did you wanna maybe change the original initial deposit?\n\nYep. Yep. Beautiful. Not a problem at all. And now with what we had sort of discussed originally, the way the recommendation was to go was to be putting in between 2 to 300 on a fortnightly basis.\n\nAre you still finding that is fairly comfortable for where you're at, or would you maybe like to alter that amount? Okay. Yep. That's okay. Would the the amount we were looking at was between 2 to 300 on a fortnightly basis.\n\nSo it's around about a 150 to a 100 to $1.50 on a weekly basis. Do you still think that should be reduced a little bit? Yep. No. That's okay.\n\nIt's absolutely fine. How much do you feel comfortable putting into the investment on a weekly, fortnightly, or monthly basis now that your circumstances have changed? Yep. Yep. Okay.\n\nSo three 100 and 50. Yep. So 350 left over for the next fortnight. So what if we maybe dropped it down to, say, 150 to 200 on a fortnightly basis to see what that does for us? Does that feel fairly comfortable?\n\nYep. Yep. That's okay. With you budgeting, say, $200 on a fortnightly basis for rent and a $100 a fortnight for utilities there as well, what are you spending in food? Do you do, like, your grocery bill as well, or do you need to put in for food?\n\nYep. Okay. No problem at all. So 50 to 100. I can budget an extra, say, $100 towards the food side of things and per fortnight.\n\nWould that be okay? Yep. Yep. Beautiful. Lovely.\n\nSo we're just altering that. What's your regular income amount on a fortnightly basis at the moment? What are you regularly receiving? $7.30 per fortnight? And that's fairly standard.\n\nYou get that generally every fortnight regardless. It's it doesn't sort of fluctuate too much? Yep. That's okay. Not a problem at all.\n\nBeautiful. And now we were sort of banking on the next seven years. The only sort of thing to really consider is to maybe get our savings working a little bit harder. We may need to maybe be willing to extend that time frame out a little bit more. Are you comfortable extending that time frame by maybe one or two years, or are you sort of stuck on that seven years to be able to buy the property?\n\nWhat's your sort of thoughts around that? Yep. That's okay. Well, I can have a look at seven years to see where we can sorta go, and then I can also look at maybe eight or ten years to sorta see what that looks like for you because we are reducing the amount that we're starting with and reducing the regular contributions. So extending the time frame can definitely be of some help, but I'll go back and rejig those numbers and have a look at what we can do there.\n\nOkay? No. That's oh, no. It's not a problem at all, please. You have nothing to apologize for.\n\nWhat I will do after the call is I will just send you an email just kinda recapping those numbers just to get you to reconfirm them for me. I'll go back and just redig those numbers there. I'll read you up the advice document for you. Is there a day next week that might suit you to run through the advice? Okay.\n\nYeah. Perfect. And is this time of day normally the best for you? 04:00. Queensland.\n\nNot a problem at all. Well, how about next Monday? I do actually have 04:00 available. So I can give you the a call at the same time next Monday, and we can just run through that. Does that sound alright?\n\nYep. Beautiful. Not a problem at all. I'll just send you a quick email after the call just to recap those numbers just to make sure that's still your comfort level, and then I'll go back. I'll just figure out the advice document for you.\n\nI'll call you next Monday. We'll run through that. If there are any changes, you're welcome to let me know. Okay? But you have nothing to apologize for.\n\nAlright? That's okay, Kirby. I hope you have a good week. Thank you. I'll talk to you soon.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Kobe.","start":7.2799997,"end":7.9199996,"sentiment":"neutral","sentiment_score":0.1415453627705574},{"text":"It's Dana from Okey Financial.","start":7.9199996,"end":9.38,"sentiment":"neutral","sentiment_score":0.1732950985431671},{"text":"How are you?","start":9.599999,"end":10.5,"sentiment":"neutral","sentiment_score":0.19977498551209769},{"text":"No.","start":15.375,"end":15.615,"sentiment":"neutral","sentiment_score":-0.101851187646389},{"text":"That's okay.","start":15.615,"end":16.435001,"sentiment":"neutral","sentiment_score":-0.13091836497187614}],"sentiment":"neutral","sentiment_score":0.10655409670793094,"num_words":13,"start":7.2799997,"end":16.435001},{"sentences":[{"text":"The idea that sorry.","start":16.975,"end":17.935001,"sentiment":"neutral","sentiment_score":-0.2660132870078087},{"text":"The end of the sentence, you said, I guess.","start":17.935001,"end":19.215,"sentiment":"neutral","sentiment_score":-0.10593564891152912},{"text":"Is everything okay?","start":19.215,"end":20.355,"sentiment":"neutral","sentiment_score":-0.02427119016647339},{"text":"Yeah.","start":25.470001,"end":25.970001,"sentiment":"neutral","sentiment_score":-0.0821237713098526},{"text":"Yeah.","start":32.190002,"end":32.690002,"sentiment":"neutral","sentiment_score":-0.11452899128198624}],"sentiment":"neutral","sentiment_score":-0.12705224007368088,"num_words":18,"start":16.975,"end":32.690002},{"sentences":[{"text":"I'm so sorry.","start":34.59,"end":35.73,"sentiment":"negative","sentiment_score":-0.39302703738212585},{"text":"Yeah.","start":43.324997,"end":43.824997,"sentiment":"neutral","sentiment_score":-0.13844987750053406},{"text":"No.","start":45.245,"end":45.745,"sentiment":"neutral","sentiment_score":-0.1410386860370636},{"text":"Yeah.","start":49.58,"end":50.08,"sentiment":"neutral","sentiment_score":-0.033388763666152954},{"text":"Oh, of course, definitely not.","start":52.06,"end":53.9,"sentiment":"neutral","sentiment_score":-0.16421825289726258}],"sentiment":"neutral","sentiment_score":-0.21027724580331283,"num_words":11,"start":34.59,"end":53.9},{"sentences":[{"text":"I do not think that in any way, shape, or form.","start":53.9,"end":56.48,"sentiment":"neutral","sentiment_score":-0.2583852694793181},{"text":"How much have you had to use out of your savings?","start":57.18,"end":59.600002,"sentiment":"neutral","sentiment_score":-0.04566231979565187},{"text":"Okay.","start":63.594997,"end":64.095,"sentiment":"neutral","sentiment_score":-0.0026865387335419655},{"text":"These circumstances have changed a little bit significantly.","start":64.715,"end":67.295,"sentiment":"neutral","sentiment_score":-0.14243922661989927},{"text":"Yeah.","start":67.835,"end":68.335,"sentiment":"neutral","sentiment_score":0.006305547431111336}],"sentiment":"neutral","sentiment_score":-0.1400130714464467,"num_words":32,"start":53.9,"end":68.335},{"sentences":[{"text":"Okay.","start":74.25,"end":74.73,"sentiment":"neutral","sentiment_score":0.05018287152051926},{"text":"Okay.","start":74.73,"end":75.05,"sentiment":"neutral","sentiment_score":0.05433208867907524},{"text":"It's just about a little over half from what we had initially.","start":75.05,"end":78.490005,"sentiment":"neutral","sentiment_score":0.03254180603350202},{"text":"That's absolutely okay.","start":78.490005,"end":79.79,"sentiment":"positive","sentiment_score":0.3460549513498942},{"text":"What we can do if you wanted, I could still go through the advice document for you, or I could always go back and just kind of rejig the numbers and maybe update it to reflect your current circumstances.","start":80.33,"end":90.735,"sentiment":"neutral","sentiment_score":0.12250832296334781}],"sentiment":"neutral","sentiment_score":0.11269653718253332,"num_words":56,"start":74.25,"end":90.735},{"sentences":[{"text":"Did you want me just to go back and rejig it a little bit to reflect the changes in your circumstances at all?","start":91.515,"end":96.975,"sentiment":"neutral","sentiment_score":0.0497253014827552},{"text":"Yeah.","start":98.97,"end":99.47,"sentiment":"neutral","sentiment_score":-0.02029711939394474},{"text":"That's no.","start":99.53001,"end":105.850006,"sentiment":"neutral","sentiment_score":-0.19549452513456345},{"text":"No.","start":105.850006,"end":106.350006,"sentiment":"neutral","sentiment_score":-0.18816208839416504},{"text":"Yeah.","start":107.29,"end":107.79,"sentiment":"neutral","sentiment_score":-0.08066877722740173}],"sentiment":"neutral","sentiment_score":0.016555889243526117,"num_words":28,"start":91.515,"end":107.79},{"sentences":[{"text":"No.","start":109.625,"end":109.705,"sentiment":"neutral","sentiment_score":0.07312633097171783},{"text":"That's absolutely okay.","start":109.705,"end":111.065,"sentiment":"neutral","sentiment_score":0.31512155135472614},{"text":"It's not a problem at all.","start":111.065,"end":112.265,"sentiment":"positive","sentiment_score":0.41959599157174426},{"text":"Look.","start":112.265,"end":112.505005,"sentiment":"neutral","sentiment_score":0.01847573928534985},{"text":"Before I jump to the call, I'm gonna be talking more about your personal circumstance.","start":112.505005,"end":115.625,"sentiment":"neutral","sentiment_score":-0.01010216244806846}],"sentiment":"neutral","sentiment_score":0.1308850091165648,"num_words":26,"start":109.625,"end":115.625},{"sentences":[{"text":"So I do have to just reconfirm that you're comfortable with me recording the phone call moving forward.","start":115.625,"end":120.205,"sentiment":"neutral","sentiment_score":0.03530154666966862},{"text":"Yeah.","start":121.96,"end":122.28,"sentiment":"positive","sentiment_score":0.4498290419578552},{"text":"Beautiful.","start":122.28,"end":122.78,"sentiment":"positive","sentiment_score":0.6981624364852905},{"text":"And just to double check, I'll go through and do security with you as well.","start":122.840004,"end":126.380005,"sentiment":"neutral","sentiment_score":0.23835663199424745},{"text":"Well, I don't have a lot here for you.","start":126.520004,"end":128.84,"sentiment":"neutral","sentiment_score":-0.09915958344936371}],"sentiment":"neutral","sentiment_score":0.10150755789469589,"num_words":44,"start":115.625,"end":128.84},{"sentences":[{"text":"So sorry.","start":128.84,"end":129.32,"sentiment":"neutral","sentiment_score":-0.08555672317743301},{"text":"I'm just pulling up your file correctly.","start":129.32,"end":131.42,"sentiment":"neutral","sentiment_score":0.0039343466716153285},{"text":"I'll just get you to confirm your full name, date of birth, and address there for me just so I make sure I'm being security conscious.","start":132.76,"end":138.065,"sentiment":"neutral","sentiment_score":0.005871056399952907},{"text":"Yep.","start":140.765,"end":141.265,"sentiment":"neutral","sentiment_score":0.014628931879997252},{"text":"Beautiful.","start":143.405,"end":143.905,"sentiment":"positive","sentiment_score":0.5573657751083374}],"sentiment":"neutral","sentiment_score":0.01570457172252842,"num_words":37,"start":128.84,"end":143.905},{"sentences":[{"text":"Lovely.","start":144.36499,"end":144.86499,"sentiment":"positive","sentiment_score":0.6623157858848572},{"text":"Thank you so much for that.","start":145.325,"end":147.105,"sentiment":"positive","sentiment_score":0.7293709814548492},{"text":"Now so what I can do, if you like, is I could just go back.","start":147.165,"end":150.12,"sentiment":"neutral","sentiment_score":0.09929939359426498},{"text":"I can read you the numbers.","start":150.12,"end":151.31999,"sentiment":"neutral","sentiment_score":0.09001094475388527},{"text":"I did have the advice all ready to go, but please do not in any way, shape, or form think that I think any ill of you in any way.","start":151.31999,"end":157.23999,"sentiment":"neutral","sentiment_score":-0.18866700505216916}],"sentiment":"neutral","sentiment_score":0.024277380956658,"num_words":58,"start":144.36499,"end":157.23999},{"sentences":[{"text":"Things happen.","start":157.23999,"end":158.04,"sentiment":"neutral","sentiment_score":-0.05025258101522923},{"text":"Life happens, and it's about just finding your way back on top of that.","start":158.04,"end":161.56,"sentiment":"neutral","sentiment_score":0.13158102918948447},{"text":"So I'm more than happy just to go back quickly, read you the numbers for you, and then I can present the advice again to you maybe a day next week.","start":161.56,"end":169.185,"sentiment":"positive","sentiment_score":0.4192536684774583},{"text":"Is that okay?","start":169.185,"end":170.085,"sentiment":"neutral","sentiment_score":0.16100754092137018},{"text":"Yep.","start":171.825,"end":172.325,"sentiment":"neutral","sentiment_score":0.07416145503520966}],"sentiment":"neutral","sentiment_score":0.29991523622005595,"num_words":51,"start":157.23999,"end":172.325},{"sentences":[{"text":"That's alright.","start":172.465,"end":173.285,"sentiment":"neutral","sentiment_score":0.0756072960793972},{"text":"So just no.","start":173.345,"end":174.725,"sentiment":"neutral","sentiment_score":-0.09117954224348068},{"text":"Yeah.","start":177.425,"end":177.925,"sentiment":"neutral","sentiment_score":-0.10510753840208054},{"text":"It's honestly fine, Kobe.","start":180.65,"end":182.89,"sentiment":"neutral","sentiment_score":0.17746544443070889},{"text":"That's what I'm here for, so please do not feel guilty in any way, shape, or form.","start":182.89,"end":187.15,"sentiment":"neutral","sentiment_score":-0.03773748261087081}],"sentiment":"neutral","sentiment_score":-0.005892851838359127,"num_words":27,"start":172.465,"end":187.15},{"sentences":[{"text":"As I said, life happens.","start":187.29,"end":188.56999,"sentiment":"neutral","sentiment_score":0.09678029865026475},{"text":"It's completely understandable, and I really enjoy doing this kind of work.","start":188.56999,"end":192.285,"sentiment":"positive","sentiment_score":0.4986022226512432},{"text":"So I do not mind going back and rejigging the numbers for you in any way, shape, or form.","start":192.285,"end":196.685,"sentiment":"neutral","sentiment_score":0.08445860327858674},{"text":"Okay?","start":196.685,"end":197.185,"sentiment":"neutral","sentiment_score":0.0984683632850647},{"text":"Oh, good.","start":198.925,"end":199.74501,"sentiment":"neutral","sentiment_score":0.12388328462839127}],"sentiment":"neutral","sentiment_score":0.21584811692054456,"num_words":39,"start":187.29,"end":199.74501},{"sentences":[{"text":"Now you mentioned that you have about 3,500 left after the changes.","start":200.205,"end":204.765,"sentiment":"neutral","sentiment_score":0.009576479283471903},{"text":"Is that right?","start":204.765,"end":205.66501,"sentiment":"neutral","sentiment_score":0.015796794556081295},{"text":"Yep.","start":207.06001,"end":207.38,"sentiment":"neutral","sentiment_score":0.21780668199062347},{"text":"Beautiful.","start":207.38,"end":207.78,"sentiment":"positive","sentiment_score":0.6821625232696533},{"text":"And are you still fairly comfortable with the the putting the full 3,500 into the investment, or did you wanna maybe change the original initial deposit?","start":207.78,"end":218.6,"sentiment":"neutral","sentiment_score":0.16245984114133394}],"sentiment":"neutral","sentiment_score":0.12293565604662479,"num_words":43,"start":200.205,"end":218.6},{"sentences":[{"text":"Yep.","start":224.015,"end":224.515,"sentiment":"neutral","sentiment_score":0.10192953795194626},{"text":"Yep.","start":225.055,"end":225.53499,"sentiment":"neutral","sentiment_score":0.248830184340477},{"text":"Beautiful.","start":225.53499,"end":226.03499,"sentiment":"positive","sentiment_score":0.6228538155555725},{"text":"Not a problem at all.","start":226.25499,"end":227.69499,"sentiment":"positive","sentiment_score":0.3544258952140808},{"text":"And now with what we had sort of discussed originally, the way the recommendation was to go was to be putting in between 2 to 300 on a fortnightly basis.","start":227.69499,"end":236.32,"sentiment":"neutral","sentiment_score":-0.004922059178352356}],"sentiment":"neutral","sentiment_score":0.06837055890967972,"num_words":38,"start":224.015,"end":236.32},{"sentences":[{"text":"Are you still finding that is fairly comfortable for where you're at, or would you maybe like to alter that amount?","start":236.46,"end":243.36,"sentiment":"neutral","sentiment_score":-0.039473238800253184},{"text":"Okay.","start":252.07501,"end":252.57501,"sentiment":"neutral","sentiment_score":0.02405170351266861},{"text":"Yep.","start":252.955,"end":253.455,"sentiment":"neutral","sentiment_score":0.05252957344055176},{"text":"That's okay.","start":253.835,"end":254.395,"sentiment":"neutral","sentiment_score":0.121157206594944},{"text":"Would the the amount we were looking at was between 2 to 300 on a fortnightly basis.","start":254.395,"end":258.555,"sentiment":"neutral","sentiment_score":-0.0002146968070198508}],"sentiment":"neutral","sentiment_score":-0.01223076596146538,"num_words":42,"start":236.46,"end":258.555},{"sentences":[{"text":"So it's around about a 150 to a 100 to $1.50 on a weekly basis.","start":258.555,"end":263.69,"sentiment":"neutral","sentiment_score":-0.007259977329522371},{"text":"Do you still think that should be reduced a little bit?","start":264.47,"end":268.49,"sentiment":"neutral","sentiment_score":-0.1377691924571991},{"text":"Yep.","start":270.47,"end":270.97,"sentiment":"neutral","sentiment_score":-0.01986478641629219},{"text":"No.","start":274.08502,"end":274.24503,"sentiment":"neutral","sentiment_score":-0.10757073760032654},{"text":"That's okay.","start":274.24503,"end":274.96503,"sentiment":"neutral","sentiment_score":0.07432594895362854}],"sentiment":"neutral","sentiment_score":-0.05343814676937957,"num_words":30,"start":258.555,"end":274.96503},{"sentences":[{"text":"It's absolutely fine.","start":274.96503,"end":276.345,"sentiment":"positive","sentiment_score":0.3617461770772934},{"text":"How much do you feel comfortable putting into the investment on a weekly, fortnightly, or monthly basis now that your circumstances have changed?","start":277.125,"end":284.58502,"sentiment":"neutral","sentiment_score":0.01230572591252301},{"text":"Yep.","start":295.02,"end":295.18,"sentiment":"neutral","sentiment_score":0.025504237040877346},{"text":"Yep.","start":295.18,"end":295.68,"sentiment":"neutral","sentiment_score":0.026230216026306152},{"text":"Okay.","start":305.59497,"end":306.07498,"sentiment":"neutral","sentiment_score":0.01781439036130905}],"sentiment":"neutral","sentiment_score":0.04957996795339317,"num_words":29,"start":274.96503,"end":306.07498},{"sentences":[{"text":"So three 100 and 50.","start":306.07498,"end":307.615,"sentiment":"neutral","sentiment_score":0.004537350311875343},{"text":"Yep.","start":307.835,"end":308.235,"sentiment":"neutral","sentiment_score":0.04569622874259949},{"text":"So 350 left over for the next fortnight.","start":308.235,"end":311.13498,"sentiment":"neutral","sentiment_score":0.014578396920114756},{"text":"So what if we maybe dropped it down to, say, 150 to 200 on a fortnightly basis to see what that does for us?","start":311.44998,"end":318.41,"sentiment":"neutral","sentiment_score":0.07048704707995057},{"text":"Does that feel fairly comfortable?","start":318.41,"end":319.94998,"sentiment":"neutral","sentiment_score":0.10324601978063583}],"sentiment":"neutral","sentiment_score":0.05564952056941598,"num_words":43,"start":306.07498,"end":319.94998},{"sentences":[{"text":"Yep.","start":322.01,"end":322.51,"sentiment":"neutral","sentiment_score":0.19137749075889587},{"text":"Yep.","start":322.72998,"end":323.05,"sentiment":"neutral","sentiment_score":0.18743208050727844},{"text":"That's okay.","start":323.05,"end":323.79,"sentiment":"neutral","sentiment_score":0.3260197192430496},{"text":"With you budgeting, say, $200 on a fortnightly basis for rent and a $100 a fortnight for utilities there as well, what are you spending in food?","start":324.57,"end":334.145,"sentiment":"neutral","sentiment_score":0.09301957067240167},{"text":"Do you do, like, your grocery bill as well, or do you need to put in for food?","start":334.145,"end":338.00497,"sentiment":"neutral","sentiment_score":0.014693477087550692}],"sentiment":"neutral","sentiment_score":0.07769102052006187,"num_words":49,"start":322.01,"end":338.00497},{"sentences":[{"text":"Yep.","start":343.54,"end":344.04,"sentiment":"neutral","sentiment_score":0.04459640383720398},{"text":"Okay.","start":356.27502,"end":356.67502,"sentiment":"neutral","sentiment_score":0.07432679831981659},{"text":"No problem at all.","start":356.67502,"end":357.715,"sentiment":"neutral","sentiment_score":0.155120387673378},{"text":"So 50 to 100.","start":357.715,"end":359.015,"sentiment":"neutral","sentiment_score":0.1224279087036848},{"text":"I can budget an extra, say, $100 towards the food side of things and per fortnight.","start":360.27502,"end":366.34,"sentiment":"neutral","sentiment_score":0.1085541876964271}],"sentiment":"neutral","sentiment_score":0.11407628426185021,"num_words":26,"start":343.54,"end":366.34},{"sentences":[{"text":"Would that be okay?","start":366.34,"end":367.47998,"sentiment":"neutral","sentiment_score":0.11868376098573208},{"text":"Yep.","start":369.94,"end":370.25998,"sentiment":"neutral","sentiment_score":0.09986324608325958},{"text":"Yep.","start":370.25998,"end":370.58,"sentiment":"neutral","sentiment_score":0.2032257169485092},{"text":"Beautiful.","start":370.58,"end":371.08,"sentiment":"positive","sentiment_score":0.626164436340332},{"text":"Lovely.","start":371.53998,"end":372.03998,"sentiment":"positive","sentiment_score":0.5457072257995605}],"sentiment":"neutral","sentiment_score":0.2437119586393237,"num_words":8,"start":366.34,"end":372.03998},{"sentences":[{"text":"So we're just altering that.","start":372.18,"end":373.62,"sentiment":"neutral","sentiment_score":0.12026605308055878},{"text":"What's your regular income amount on a fortnightly basis at the moment?","start":373.62,"end":377.37997,"sentiment":"neutral","sentiment_score":0.045941380163033806},{"text":"What are you regularly receiving?","start":377.37997,"end":378.91998,"sentiment":"neutral","sentiment_score":0.022047877311706543},{"text":"$7.30 per fortnight?","start":382.715,"end":384.255,"sentiment":"neutral","sentiment_score":0.030064774677157402},{"text":"And that's fairly standard.","start":384.875,"end":386.07498,"sentiment":"neutral","sentiment_score":0.10706839617341757}],"sentiment":"neutral","sentiment_score":0.061425314573892234,"num_words":29,"start":372.18,"end":386.07498},{"sentences":[{"text":"You get that generally every fortnight regardless.","start":386.07498,"end":388.335,"sentiment":"neutral","sentiment_score":0.09951549555574145},{"text":"It's it doesn't sort of fluctuate too much?","start":388.395,"end":390.655,"sentiment":"neutral","sentiment_score":0.03730120952241123},{"text":"Yep.","start":392.49002,"end":392.99002,"sentiment":"neutral","sentiment_score":0.11390775442123412},{"text":"That's okay.","start":393.05002,"end":393.85,"sentiment":"neutral","sentiment_score":0.21037443727254868},{"text":"Not a problem at all.","start":393.85,"end":394.89,"sentiment":"neutral","sentiment_score":0.25090942680835726}],"sentiment":"neutral","sentiment_score":0.12105312643815642,"num_words":23,"start":386.07498,"end":394.89},{"sentences":[{"text":"Beautiful.","start":394.89,"end":395.29,"sentiment":"positive","sentiment_score":0.5059753656387329},{"text":"And now we were sort of banking on the next seven years.","start":395.29,"end":398.03,"sentiment":"neutral","sentiment_score":0.03864147110531727},{"text":"The only sort of thing to really consider is to maybe get our savings working a little bit harder.","start":398.49002,"end":403.87,"sentiment":"neutral","sentiment_score":-0.062101211790975774},{"text":"We may need to maybe be willing to extend that time frame out a little bit more.","start":404.505,"end":409.465,"sentiment":"neutral","sentiment_score":-0.025976666413685855},{"text":"Are you comfortable extending that time frame by maybe one or two years, or are you sort of stuck on that seven years to be able to buy the property?","start":409.465,"end":416.425,"sentiment":"neutral","sentiment_score":-0.010293600087364515}],"sentiment":"neutral","sentiment_score":-0.01216027008581765,"num_words":79,"start":394.89,"end":416.425},{"sentences":[{"text":"What's your sort of thoughts around that?","start":416.425,"end":418.445,"sentiment":"neutral","sentiment_score":-0.01012328832543322},{"text":"Yep.","start":422.56,"end":422.8,"sentiment":"neutral","sentiment_score":0.06576122343540192},{"text":"That's okay.","start":422.8,"end":423.36,"sentiment":"positive","sentiment_score":0.336550772190094},{"text":"Well, I can have a look at seven years to see where we can sorta go, and then I can also look at maybe eight or ten years to sorta see what that looks like for you because we are reducing the amount that we're starting with and reducing the regular contributions.","start":423.36,"end":436.35498,"sentiment":"neutral","sentiment_score":0.104940118912894},{"text":"So extending the time frame can definitely be of some help, but I'll go back and rejig those numbers and have a look at what we can do there.","start":436.57498,"end":444.495,"sentiment":"neutral","sentiment_score":0.19601260459628597}],"sentiment":"neutral","sentiment_score":0.12977199413516854,"num_words":91,"start":416.425,"end":444.495},{"sentences":[{"text":"Okay?","start":444.495,"end":444.995,"sentiment":"neutral","sentiment_score":0.13810688257217407},{"text":"No.","start":447.2,"end":447.36002,"sentiment":"neutral","sentiment_score":-0.14652830362319946},{"text":"That's oh, no.","start":447.36002,"end":450.0,"sentiment":"neutral","sentiment_score":-0.09563261580963929},{"text":"It's not a problem at all, please.","start":450.0,"end":451.76,"sentiment":"neutral","sentiment_score":0.19941284826823644},{"text":"You have nothing to apologize for.","start":451.76,"end":453.94,"sentiment":"neutral","sentiment_score":-0.00563960708677769}],"sentiment":"neutral","sentiment_score":0.059262945937613644,"num_words":18,"start":444.495,"end":453.94},{"sentences":[{"text":"What I will do after the call is I will just send you an email just kinda recapping those numbers just to get you to reconfirm them for me.","start":454.0,"end":461.415,"sentiment":"neutral","sentiment_score":0.1785598248243332},{"text":"I'll go back and just redig those numbers there.","start":461.575,"end":463.89502,"sentiment":"neutral","sentiment_score":0.1452677912182278},{"text":"I'll read you up the advice document for you.","start":463.89502,"end":466.475,"sentiment":"neutral","sentiment_score":0.1474637058046129},{"text":"Is there a day next week that might suit you to run through the advice?","start":466.935,"end":470.635,"sentiment":"neutral","sentiment_score":0.0845935121178627},{"text":"Okay.","start":481.43,"end":481.93,"sentiment":"neutral","sentiment_score":0.07121787965297699}],"sentiment":"neutral","sentiment_score":0.14528474531003407,"num_words":63,"start":454.0,"end":481.93},{"sentences":[{"text":"Yeah.","start":482.07,"end":482.47,"sentiment":"neutral","sentiment_score":0.15281197428703308},{"text":"Perfect.","start":482.47,"end":482.97,"sentiment":"positive","sentiment_score":0.34524935483932495},{"text":"And is this time of day normally the best for you?","start":483.19,"end":486.33,"sentiment":"neutral","sentiment_score":0.1421878771348433},{"text":"04:00.","start":489.525,"end":490.165,"sentiment":"neutral","sentiment_score":0.02924000844359398},{"text":"Queensland.","start":490.165,"end":490.665,"sentiment":"neutral","sentiment_score":0.036717575043439865}],"sentiment":"neutral","sentiment_score":0.14187237073977788,"num_words":15,"start":482.07,"end":490.665},{"sentences":[{"text":"Not a problem at all.","start":490.725,"end":491.685,"sentiment":"neutral","sentiment_score":0.11468998640775681},{"text":"Well, how about next Monday?","start":491.685,"end":493.045,"sentiment":"neutral","sentiment_score":0.05517720282077789},{"text":"I do actually have 04:00 available.","start":493.045,"end":494.965,"sentiment":"neutral","sentiment_score":0.12578114246328673},{"text":"So I can give you the a call at the same time next Monday, and we can just run through that.","start":494.965,"end":498.885,"sentiment":"neutral","sentiment_score":0.13117148656220662},{"text":"Does that sound alright?","start":498.885,"end":499.945,"sentiment":"neutral","sentiment_score":0.13971201330423355}],"sentiment":"neutral","sentiment_score":0.11993834321818701,"num_words":41,"start":490.725,"end":499.945},{"sentences":[{"text":"Yep.","start":502.77002,"end":503.27002,"sentiment":"neutral","sentiment_score":0.3281650245189667},{"text":"Beautiful.","start":503.33002,"end":503.83002,"sentiment":"positive","sentiment_score":0.5866783857345581},{"text":"Not a problem at all.","start":504.13,"end":505.59,"sentiment":"positive","sentiment_score":0.41843878030776976},{"text":"I'll just send you a quick email after the call just to recap those numbers just to make sure that's still your comfort level, and then I'll go back.","start":505.89,"end":512.93,"sentiment":"neutral","sentiment_score":0.31733573253812464},{"text":"I'll just figure out the advice document for you.","start":512.93,"end":515.17,"sentiment":"neutral","sentiment_score":0.26155318154229057}],"sentiment":"neutral","sentiment_score":0.3236389375395245,"num_words":45,"start":502.77002,"end":515.17},{"sentences":[{"text":"I'll call you next Monday.","start":515.17,"end":516.135,"sentiment":"neutral","sentiment_score":0.21892267167568208},{"text":"We'll run through that.","start":516.135,"end":517.015,"sentiment":"neutral","sentiment_score":0.2405652441084385},{"text":"If there are any changes, you're welcome to let me know.","start":517.015,"end":519.255,"sentiment":"neutral","sentiment_score":0.31877218322320416},{"text":"Okay?","start":519.255,"end":519.575,"sentiment":"neutral","sentiment_score":0.08860979229211807},{"text":"But you have nothing to apologize for.","start":519.575,"end":521.73505,"sentiment":"neutral","sentiment_score":-0.06606703358037132}],"sentiment":"neutral","sentiment_score":0.18533960383917605,"num_words":28,"start":515.17,"end":521.73505},{"sentences":[{"text":"Alright?","start":521.73505,"end":522.23505,"sentiment":"neutral","sentiment_score":0.1219056099653244},{"text":"That's okay, Kirby.","start":524.375,"end":525.575,"sentiment":"positive","sentiment_score":0.654141902923584},{"text":"I hope you have a good week.","start":525.575,"end":527.435,"sentiment":"positive","sentiment_score":0.7739866205624172},{"text":"Thank you.","start":529.84094,"end":530.40094,"sentiment":"positive","sentiment_score":0.7638657689094543},{"text":"I'll talk to you soon.","start":530.40094,"end":531.36096,"sentiment":"positive","sentiment_score":0.5098329961299897}],"sentiment":"positive","sentiment_score":0.6432852322856585,"num_words":18,"start":521.73505,"end":531.36096},{"sentences":[{"text":"See you later.","start":531.36096,"end":532.18097,"sentiment":"positive","sentiment_score":0.4078433911005656},{"text":"Bye.","start":533.68097,"end":534.18097,"sentiment":"neutral","sentiment_score":-0.12164460122585297}],"sentiment":"neutral","sentiment_score":0.27547139301896095,"num_words":4,"start":531.36096,"end":534.18097}]}}]},{"alternatives":[{"transcript":"Hello? Hi, Dana. I'm doing decent, I guess. I mean, like, not really because I was planning on actually, you know, going ahead and investing those savings that I had, and I've had to use some of them. So it's kinda set me back, and I don't like, I've felt as if you would see that as, like, unprofessional or not willing to, like, put in the, you know, the time and the, obviously, the dedication to doing it. Fair few. Since I've moved in. Fair few. I think yeah, I think I have, like, about 3.5 k. Yeah. If we can. Also, again, I'm sorry I haven't been able to, like, not use that. It's just, you know, I got, like, this the whole student debt thing on top of uni and everything. Yeah. It's okay. Toby Lucas Jones. 17 Greg And Crescent. Yeah. That's okay. I'm so sorry about this, by the way. I do realize how, like, it can be a setback, and it does kinda give you more work. So I'm sorry about that. Okay. Yep. Like, I'm pretty comfortable putting the 3,500 in. I probably like, now having a look at the numbers, I probably wouldn't be able to do that in a week until I do land a second job. So Yeah. Like I I think that they wouldn't have enough. Well, I mean, at the moment, I'm getting paid fortnightly, and then about 200 of that before night goes to rent. And then I've got a 100 on I've got a 100 on, like, utilities and stuff, and then the rest of it is, like, 350 that I have left over for the next four months. Yeah. Yeah. That's probably better. Yeah. There are oftentimes I do have to put in some food. Usually, I'm only going, like, 50 to 100 on that over the utilities because I I do use that money that I have for utilities on food too. So Yep. About 730. Yep. Yeah. I get that every format. At the end of the day, it's okay if we push a couple more years. Thank you so much, Dana. Again, I apologize for the inconvenience. I would say probably I can't do Thursdays or Fridays. So maybe maybe, like, anywhere from Monday to Wednesday. Yeah. The afternoon is usually the best one. Yep. That sounds good. Okay. Thank you, 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Hi, Dana. I'm doing decent, I guess. I mean, like, not really because I was planning on actually, you know, going ahead and investing those savings that I had, and I've had to use some of them. So it's kinda set me back, and I don't like, I've felt as if you would see that as, like, unprofessional or not willing to, like, put in the, you know, the time and the, obviously, the dedication to doing it.\n\nFair few. Since I've moved in. Fair few. I think yeah, I think I have, like, about 3.5 k. Yeah.\n\nIf we can. Also, again, I'm sorry I haven't been able to, like, not use that. It's just, you know, I got, like, this the whole student debt thing on top of uni and everything. Yeah. It's okay.\n\nToby Lucas Jones. 17 Greg And Crescent. Yeah. That's okay. I'm so sorry about this, by the way.\n\nI do realize how, like, it can be a setback, and it does kinda give you more work. So I'm sorry about that. Okay. Yep. Like, I'm pretty comfortable putting the 3,500 in.\n\nI probably like, now having a look at the numbers, I probably wouldn't be able to do that in a week until I do land a second job. So Yeah. Like I I think that they wouldn't have enough. Well, I mean, at the moment, I'm getting paid fortnightly, and then about 200 of that before night goes to rent. And then I've got a 100 on I've got a 100 on, like, utilities and stuff, and then the rest of it is, like, 350 that I have left over for the next four months.\n\nYeah. Yeah. That's probably better. Yeah. There are oftentimes I do have to put in some food.\n\nUsually, I'm only going, like, 50 to 100 on that over the utilities because I I do use that money that I have for utilities on food too. So Yep. About 730. Yep. Yeah.\n\nI get that every format. At the end of the day, it's okay if we push a couple more years. Thank you so much, Dana. Again, I apologize for the inconvenience. I would say probably I can't do Thursdays or Fridays.\n\nSo maybe maybe, like, anywhere from Monday to Wednesday. Yeah. The afternoon is usually the best one. Yep. That sounds good.\n\nOkay. Thank you, Diana.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.16,"end":0.65999997,"sentiment":"neutral","sentiment_score":0.033788155764341354},{"text":"Hi, Dana.","start":10.96,"end":11.7,"sentiment":"neutral","sentiment_score":0.1308159902691841},{"text":"I'm doing decent, I guess.","start":12.765,"end":20.465,"sentiment":"neutral","sentiment_score":0.12182608693838119},{"text":"I mean, like, not really because I was planning on actually, you know, going ahead and investing those savings that I had, and I've had to use some of them.","start":22.285,"end":33.86,"sentiment":"neutral","sentiment_score":-0.12123830306033294},{"text":"So it's kinda set me back, and I don't like, I've felt as if you would see that as, like, unprofessional or not willing to, like, put in the, you know, the time and the, obviously, the dedication to doing it.","start":34.16,"end":51.745,"sentiment":"neutral","sentiment_score":-0.32244673307712485}],"sentiment":"neutral","sentiment_score":-0.2019356275566771,"num_words":79,"start":0.16,"end":51.745},{"sentences":[{"text":"Fair few.","start":60.67,"end":61.489998,"sentiment":"neutral","sentiment_score":-0.02186467219144106},{"text":"Since I've moved in.","start":61.629997,"end":63.01,"sentiment":"neutral","sentiment_score":-0.033848111517727375},{"text":"Fair few.","start":63.469997,"end":64.21,"sentiment":"neutral","sentiment_score":-0.01741446554660797},{"text":"I think yeah, I think I have, like, about 3.5 k.","start":65.869995,"end":73.385,"sentiment":"neutral","sentiment_score":-0.014300642196427692},{"text":"Yeah.","start":97.415,"end":97.655,"sentiment":"neutral","sentiment_score":0.05388536676764488}],"sentiment":"neutral","sentiment_score":-0.015868620947003365,"num_words":20,"start":60.67,"end":97.655},{"sentences":[{"text":"If we can.","start":97.655,"end":98.555,"sentiment":"neutral","sentiment_score":0.05330131451288859},{"text":"Also, again, I'm sorry I haven't been able to, like, not use that.","start":98.935,"end":102.935,"sentiment":"neutral","sentiment_score":-0.2077834288804577},{"text":"It's just, you know, I got, like, this the whole student debt thing on top of uni and everything.","start":102.935,"end":108.475,"sentiment":"neutral","sentiment_score":-0.2045465974431289},{"text":"Yeah.","start":120.64,"end":120.88,"sentiment":"neutral","sentiment_score":0.16348397731781006},{"text":"It's okay.","start":120.88,"end":121.619995,"sentiment":"neutral","sentiment_score":0.2697697877883911}],"sentiment":"neutral","sentiment_score":-0.15064848501137212,"num_words":38,"start":97.655,"end":121.619995},{"sentences":[{"text":"Toby Lucas Jones.","start":138.94,"end":140.23999,"sentiment":"neutral","sentiment_score":0.007671397800246875},{"text":"17 Greg And Crescent.","start":140.37999,"end":141.92,"sentiment":"neutral","sentiment_score":0.01850414660293609},{"text":"Yeah.","start":170.78,"end":171.1,"sentiment":"neutral","sentiment_score":0.06489625573158264},{"text":"That's okay.","start":171.1,"end":171.92,"sentiment":"neutral","sentiment_score":0.09320071339607239},{"text":"I'm so sorry about this, by the way.","start":173.42,"end":175.18001,"sentiment":"neutral","sentiment_score":-0.11523775430396199}],"sentiment":"neutral","sentiment_score":-0.03186519844974908,"num_words":18,"start":138.94,"end":175.18001},{"sentences":[{"text":"I do realize how, like, it can be a setback, and it does kinda give you more work.","start":175.18001,"end":179.575,"sentiment":"neutral","sentiment_score":-0.17116815431250465},{"text":"So I'm sorry about that.","start":179.575,"end":181.03499,"sentiment":"neutral","sentiment_score":-0.19044195115566254},{"text":"Okay.","start":197.84001,"end":198.34001,"sentiment":"neutral","sentiment_score":0.1031082198023796},{"text":"Yep.","start":206.325,"end":206.825,"sentiment":"neutral","sentiment_score":0.10644854605197906},{"text":"Like, I'm pretty comfortable putting the 3,500 in.","start":221.18001,"end":224.72,"sentiment":"neutral","sentiment_score":0.1486303210258484}],"sentiment":"neutral","sentiment_score":-0.07983749088915912,"num_words":33,"start":175.18001,"end":224.72},{"sentences":[{"text":"I probably like, now having a look at the numbers, I probably wouldn't be able to do that in a week until I do land a second job.","start":244.86,"end":252.48001,"sentiment":"neutral","sentiment_score":-0.18157787088836944},{"text":"So Yeah.","start":252.86,"end":269.865,"sentiment":"neutral","sentiment_score":-0.003098350018262863},{"text":"Like I I think that they wouldn't have enough.","start":270.005,"end":273.305,"sentiment":"neutral","sentiment_score":-0.1416233740746975},{"text":"Well, I mean, at the moment, I'm getting paid fortnightly, and then about 200 of that before night goes to rent.","start":285.06,"end":294.445,"sentiment":"neutral","sentiment_score":-0.06192840068113236},{"text":"And then I've got a 100 on I've got a 100 on, like, utilities and stuff, and then the rest of it is, like, 350 that I have left over for the next four months.","start":295.545,"end":307.46,"sentiment":"neutral","sentiment_score":0.007910158182494343}],"sentiment":"neutral","sentiment_score":-0.07777503504736447,"num_words":95,"start":244.86,"end":307.46},{"sentences":[{"text":"Yeah.","start":307.68,"end":308.18,"sentiment":"neutral","sentiment_score":0.0432354174554348},{"text":"Yeah.","start":320.515,"end":320.835,"sentiment":"neutral","sentiment_score":0.1819927841424942},{"text":"That's probably better.","start":320.835,"end":322.45502,"sentiment":"neutral","sentiment_score":0.30715808272361755},{"text":"Yeah.","start":339.28998,"end":339.78998,"sentiment":"neutral","sentiment_score":0.005344320088624954},{"text":"There are oftentimes I do have to put in some food.","start":339.93,"end":342.91,"sentiment":"neutral","sentiment_score":-0.015644247897646645}],"sentiment":"neutral","sentiment_score":0.057644708410781974,"num_words":17,"start":307.68,"end":342.91},{"sentences":[{"text":"Usually, I'm only going, like, 50 to 100 on that over the utilities because I I do use that money that I have for utilities on food too.","start":343.69,"end":355.055,"sentiment":"neutral","sentiment_score":0.023755861778876612},{"text":"So Yep.","start":356.315,"end":369.43002,"sentiment":"neutral","sentiment_score":0.08935581147670746},{"text":"About 730.","start":380.085,"end":382.025,"sentiment":"neutral","sentiment_score":0.016968495678156614},{"text":"Yep.","start":384.965,"end":385.465,"sentiment":"neutral","sentiment_score":0.0780375525355339},{"text":"Yeah.","start":390.74002,"end":390.98,"sentiment":"neutral","sentiment_score":0.047658126801252365}],"sentiment":"neutral","sentiment_score":0.02951495363103116,"num_words":34,"start":343.69,"end":390.98},{"sentences":[{"text":"I get that every format.","start":390.98,"end":392.28,"sentiment":"neutral","sentiment_score":0.05757829993963241},{"text":"At the end of the day, it's okay if we push a couple more years.","start":419.1,"end":422.0,"sentiment":"neutral","sentiment_score":0.11021832947929701},{"text":"Thank you so much, Dana.","start":445.38998,"end":446.75,"sentiment":"positive","sentiment_score":0.567940616607666},{"text":"Again, I apologize for the inconvenience.","start":446.75,"end":448.77,"sentiment":"neutral","sentiment_score":-0.2393335116406282},{"text":"I would say probably I can't do Thursdays or Fridays.","start":473.2,"end":477.54,"sentiment":"neutral","sentiment_score":-0.08984658271074294}],"sentiment":"neutral","sentiment_score":0.059668356779871916,"num_words":41,"start":390.98,"end":477.54},{"sentences":[{"text":"So maybe maybe, like, anywhere from Monday to Wednesday.","start":478.4,"end":481.22,"sentiment":"neutral","sentiment_score":-0.03513603409131368},{"text":"Yeah.","start":486.345,"end":486.845,"sentiment":"neutral","sentiment_score":0.10289549082517624},{"text":"The afternoon is usually the best one.","start":487.145,"end":489.245,"sentiment":"neutral","sentiment_score":0.09274891018867493},{"text":"Yep.","start":501.30002,"end":501.54,"sentiment":"neutral","sentiment_score":0.1775161325931549},{"text":"That sounds good.","start":501.54,"end":505.56,"sentiment":"positive","sentiment_score":0.3420240680376689}],"sentiment":"neutral","sentiment_score":0.07807151866810662,"num_words":21,"start":478.4,"end":505.56},{"sentences":[{"text":"Okay.","start":522.225,"end":522.725,"sentiment":"positive","sentiment_score":0.3816342353820801},{"text":"Thank you, Diana.","start":522.865,"end":523.845,"sentiment":"positive","sentiment_score":0.7516800165176392}],"sentiment":"positive","sentiment_score":0.6591685712337494,"num_words":4,"start":522.225,"end":523.845}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Kobe. It's Dana from Okey Financial. How are you?\n\nChannel 1: Hi, Dana. I'm doing decent,\n\nChannel 0: No. That's okay. The idea that sorry.\n\nChannel 1: I\n\nChannel 0: The end of the sentence, you said, I guess. Is everything okay?\n\nChannel 1: guess. I mean, like, not really because\n\nChannel 0: Yeah.\n\nChannel 1: I was planning on actually, you know, going ahead and investing those savings that I had, and\n\nChannel 0: Yeah.\n\nChannel 1: I've had to use some of them. So\n\nChannel 0: I'm so\n\nChannel 1: it's\n\nChannel 0: sorry.\n\nChannel 1: kinda set me back, and I don't like, I've felt as if you would see that as, like, unprofessional or not willing\n\nChannel 0: Yeah.\n\nChannel 1: to, like, put in\n\nChannel 0: No.\n\nChannel 1: the, you know, the time and the, obviously,\n\nChannel 0: Yeah.\n\nChannel 1: the dedication to doing it.\n\nChannel 0: Oh, of course, definitely not. I do not think that in any way, shape, or form. How much have you had to use out of your savings?\n\nChannel 1: Fair few. Since I've moved in. Fair\n\nChannel 0: Okay.\n\nChannel 1: few.\n\nChannel 0: These circumstances have\n\nChannel 1: I\n\nChannel 0: changed\n\nChannel 1: think\n\nChannel 0: a little bit significantly. Yeah.\n\nChannel 1: yeah, I think I have, like, about 3.5 k.\n\nChannel 0: Okay. Okay. It's just about a little over half from what we had initially. That's absolutely okay. What we can do if you wanted, I could still go through the advice document for you, or I could always go back and just kind of rejig the numbers and maybe update it to reflect your current circumstances.\n\nDid you want me just to go back and rejig it a little bit to reflect the changes in your circumstances at all?\n\nChannel 1: Yeah. If we can. Also,\n\nChannel 0: Yeah.\n\nChannel 1: again,\n\nChannel 0: That's\n\nChannel 1: I'm sorry I haven't been able to, like, not use that. It's just, you know, I got, like, this the whole student\n\nChannel 0: no. No.\n\nChannel 1: debt thing on top\n\nChannel 0: Yeah.\n\nChannel 1: of uni and everything.\n\nChannel 0: No. That's absolutely okay. It's not a problem at all. Look. Before I jump to the call, I'm gonna be talking more about your personal circumstance.\n\nSo I do have to just reconfirm that you're comfortable with me recording the phone call moving forward.\n\nChannel 1: Yeah. It's okay.\n\nChannel 0: Yeah. Beautiful. And just to double check, I'll go through and do security with you as well. Well, I don't have a lot here for you. So sorry.\n\nI'm just pulling up your file correctly. I'll just get you to confirm your full name, date of birth, and address there for me just so I make sure I'm being security conscious.\n\nChannel 1: Toby Lucas Jones. 17\n\nChannel 0: Yep.\n\nChannel 1: Greg And Crescent.\n\nChannel 0: Beautiful. Lovely. Thank you so much for that. Now so what I can do, if you like, is I could just go back. I can read you the numbers.\n\nI did have the advice all ready to go, but please do not in any way, shape, or form think that I think any ill of you in any way. Things happen. Life happens, and it's about just finding your way back on top of that. So I'm more than happy just to go back quickly, read you the numbers for you, and then I can present the advice again to you maybe a day next week. Is that okay?\n\nChannel 1: Yeah. That's okay.\n\nChannel 0: Yep. That's alright. So\n\nChannel 1: I'm\n\nChannel 0: just\n\nChannel 1: so sorry about\n\nChannel 0: no.\n\nChannel 1: this, by the way. I do realize how, like, it can be a\n\nChannel 0: Yeah.\n\nChannel 1: setback, and it does kinda give you more work. So I'm sorry about that.\n\nChannel 0: It's honestly fine, Kobe. That's what I'm here for, so please do not feel guilty in any way, shape, or form. As I said, life happens. It's completely understandable, and I really enjoy doing this kind of work. So I do not mind going back and rejigging the numbers for you in any way, shape, or form.\n\nOkay?\n\nChannel 1: Okay.\n\nChannel 0: Oh, good. Now you mentioned that you have about 3,500 left after the changes. Is that right?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. And are you still fairly comfortable with the the putting the full 3,500 into the investment, or did you wanna maybe change the original initial deposit?\n\nChannel 1: Like, I'm pretty comfortable putting the 3,500\n\nChannel 0: Yep.\n\nChannel 1: in.\n\nChannel 0: Yep. Beautiful. Not a problem at all. And now with what we had sort of discussed originally, the way the recommendation was to go was to be putting in between 2 to 300 on a fortnightly basis. Are you still finding that is fairly comfortable for where you're at, or would you maybe like to alter that amount?\n\nChannel 1: I probably like, now having a look at the numbers, I probably wouldn't be able to do that in a week until I do land a second job.\n\nChannel 0: Okay.\n\nChannel 1: So\n\nChannel 0: Yep. That's okay. Would the the amount we were looking at was between 2 to 300 on a fortnightly basis. So it's around about a 150 to a 100 to $1.50 on a weekly basis. Do you still think that should be reduced a little bit?\n\nChannel 1: Yeah. Like I\n\nChannel 0: Yep.\n\nChannel 1: I think that they wouldn't have enough.\n\nChannel 0: No. That's okay. It's absolutely fine. How much do you feel comfortable putting into the investment on a weekly, fortnightly, or monthly basis now that your circumstances have changed?\n\nChannel 1: Well, I mean, at the moment, I'm getting paid fortnightly, and then about 200 of that before night goes to rent.\n\nChannel 0: Yep. Yep.\n\nChannel 1: And then I've got a 100 on I've got a 100 on, like, utilities and stuff, and then the rest of it is, like, 350 that I have left over\n\nChannel 0: Okay. So\n\nChannel 1: for the next\n\nChannel 0: three 100\n\nChannel 1: four\n\nChannel 0: and\n\nChannel 1: months.\n\nChannel 0: 50.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. So 350 left over for the next fortnight. So what if we maybe dropped it down to, say, 150 to 200 on a fortnightly basis to see what that does for us? Does that feel fairly comfortable?\n\nChannel 1: Yeah. That's probably better.\n\nChannel 0: Yep. Yep. That's okay. With you budgeting, say, $200 on a fortnightly basis for rent and a $100 a fortnight for utilities there as well, what are you spending in food? Do you do, like, your grocery bill as well, or do you need to put in for food?\n\nChannel 1: Yeah. There are oftentimes I do have to put in some food.\n\nChannel 0: Yep.\n\nChannel 1: Usually, I'm only going, like, 50 to 100 on that over the utilities because I I do use that money that I have for utilities on food too.\n\nChannel 0: Okay.\n\nChannel 1: So\n\nChannel 0: No problem at all. So 50 to 100. I can budget an extra, say, $100 towards the food side of things and per fortnight. Would that be okay?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Yep. Beautiful. Lovely. So we're just altering that.\n\nWhat's your regular income amount on a fortnightly basis at the moment? What are you regularly receiving?\n\nChannel 1: About 730.\n\nChannel 0: $7.30 per fortnight? And\n\nChannel 1: Yep.\n\nChannel 0: that's fairly standard. You get that generally every fortnight regardless. It's it doesn't sort of fluctuate too much?\n\nChannel 1: Yeah. I get that every format.\n\nChannel 0: Yep. That's okay. Not a problem at all. Beautiful. And now we were sort of banking on the next seven years.\n\nThe only sort of thing to really consider is to maybe get our savings working a little bit harder. We may need to maybe be willing to extend that time frame out a little bit more. Are you comfortable extending that time frame by maybe one or two years, or are you sort of stuck on that seven years to be able to buy the property? What's your sort of thoughts around that?\n\nChannel 1: At the end of the day, it's okay if we push a couple more years.\n\nChannel 0: Yep. That's okay. Well, I can have a look at seven years to see where we can sorta go, and then I can also look at maybe eight or ten years to sorta see what that looks like for you because we are reducing the amount that we're starting with and reducing the regular contributions. So extending the time frame can definitely be of some help, but I'll go back and rejig those numbers and have a look at what we can do there. Okay?\n\nChannel 1: Thank you so much, Dana. Again, I\n\nChannel 0: No.\n\nChannel 1: apologize\n\nChannel 0: That's\n\nChannel 1: for the inconvenience.\n\nChannel 0: oh, no. It's not a problem at all, please. You have nothing to apologize for. What I will do after the call is I will just send you an email just kinda recapping those numbers just to get you to reconfirm them for me. I'll go back and just redig those numbers there.\n\nI'll read you up the advice document for you. Is there a day next week that might suit you to run through the advice?\n\nChannel 1: I would say probably I can't do Thursdays or Fridays. So maybe maybe, like, anywhere from Monday to Wednesday.\n\nChannel 0: Okay. Yeah. Perfect. And is this time of day normally the best for you?\n\nChannel 1: Yeah. The afternoon is usually the best one.\n\nChannel 0: 04:00. Queensland. Not a problem at all. Well, how about next Monday? I do actually have 04:00 available.\n\nSo I can give you the a call at the same time next Monday, and we can just run through that. Does that sound alright?\n\nChannel 1: Yep. That sounds\n\nChannel 0: Yep. Beautiful. Not a problem at\n\nChannel 1: good.\n\nChannel 0: all. I'll just send you a quick email after the call just to recap those numbers just to make sure that's still your comfort level, and then I'll go back. I'll just figure out the advice document for you. I'll call you next Monday. We'll run through that.\n\nIf there are any changes, you're welcome to let me know. Okay? But you have nothing to apologize for. Alright?\n\nChannel 1: Okay. Thank you, Diana.\n\nChannel 0: That's okay, Kirby. I hope you have a good week. Thank you. I'll talk to you soon. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.16,"end":0.65999997,"sentiment":"neutral","sentiment_score":0.033788155764341354}],"sentiment":"neutral","sentiment_score":0.033788155764341354,"channel":1,"num_words":1,"start":0.16,"end":0.65999997},{"sentences":[{"text":"Hi, Kobe.","start":7.2799997,"end":7.9199996,"sentiment":"neutral","sentiment_score":0.1415453627705574},{"text":"It's Dana from Okey Financial.","start":7.9199996,"end":9.38,"sentiment":"neutral","sentiment_score":0.1732950985431671},{"text":"How are you?","start":9.599999,"end":10.5,"sentiment":"neutral","sentiment_score":0.19977498551209769}],"sentiment":"neutral","sentiment_score":0.17488911747932434,"channel":0,"num_words":10,"start":7.2799997,"end":10.5},{"sentences":[{"text":"Hi, Dana.","start":10.96,"end":11.7,"sentiment":"neutral","sentiment_score":0.1308159902691841},{"text":"I'm doing decent,","start":12.765,"end":15.825,"sentiment":"neutral","sentiment_score":0.2760043690601985}],"sentiment":"neutral","sentiment_score":0.21792901754379274,"channel":1,"num_words":5,"start":10.96,"end":15.825},{"sentences":[{"text":"No.","start":15.375,"end":15.615,"sentiment":"neutral","sentiment_score":-0.101851187646389},{"text":"That's okay.","start":15.615,"end":16.435001,"sentiment":"neutral","sentiment_score":-0.13091836497187614},{"text":"The idea that sorry.","start":16.975,"end":17.935001,"sentiment":"neutral","sentiment_score":-0.2660132870078087}],"sentiment":"neutral","sentiment_score":-0.20396300937448228,"channel":0,"num_words":7,"start":15.375,"end":17.935001},{"sentences":[{"text":"I","start":17.645,"end":18.145,"sentiment":"neutral","sentiment_score":-0.14482590556144714}],"sentiment":"neutral","sentiment_score":-0.14482590556144714,"channel":1,"num_words":1,"start":17.645,"end":18.145},{"sentences":[{"text":"The end of the sentence, you said, I 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absolutely fine.","start":274.96503,"end":276.345,"sentiment":"positive","sentiment_score":0.3617461770772934},{"text":"How much do you feel comfortable putting into the investment on a weekly, fortnightly, or monthly basis now that your circumstances have changed?","start":277.125,"end":284.58502,"sentiment":"neutral","sentiment_score":0.01230572591252301}],"sentiment":"neutral","sentiment_score":0.04859832370782207,"channel":0,"num_words":29,"start":274.08502,"end":284.58502},{"sentences":[{"text":"Well, I mean, at the moment, I'm getting paid fortnightly, and then about 200 of that before night goes to 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and then I can also look at maybe eight or ten years to sorta see what that looks like for you because we are reducing the amount that we're starting with and reducing the regular contributions.","start":423.36,"end":436.35498,"sentiment":"neutral","sentiment_score":0.104940118912894},{"text":"So extending the time frame can definitely be of some help, but I'll go back and rejig those numbers and have a look at what we can do there.","start":436.57498,"end":444.495,"sentiment":"neutral","sentiment_score":0.19601260459628597},{"text":"Okay?","start":444.495,"end":444.995,"sentiment":"neutral","sentiment_score":0.13810688257217407}],"sentiment":"neutral","sentiment_score":0.14139083961353582,"channel":0,"num_words":85,"start":422.56,"end":444.995},{"sentences":[{"text":"Thank you so much, Dana.","start":445.38998,"end":446.75,"sentiment":"positive","sentiment_score":0.567940616607666},{"text":"Again, I","start":446.75,"end":447.22998,"sentiment":"neutral","sentiment_score":-0.00032522156834602356}],"sentiment":"positive","sentiment_score":0.40557894855737686,"channel":1,"num_words":7,"start":445.38998,"end":447.22998},{"sentences":[{"text":"No.","start":447.2,"end":447.36002,"sentiment":"neutral","sentiment_score":-0.14652830362319946}],"sentiment":"neutral","sentiment_score":-0.14652830362319946,"channel":0,"num_words":1,"start":447.2,"end":447.36002},{"sentences":[{"text":"apologize","start":447.22998,"end":447.72998,"sentiment":"neutral","sentiment_score":-0.26115164160728455}],"sentiment":"neutral","sentiment_score":-0.26115164160728455,"channel":1,"num_words":1,"start":447.22998,"end":447.72998},{"sentences":[{"text":"That's","start":447.36002,"end":447.86002,"sentiment":"negative","sentiment_score":-0.33550962805747986}],"sentiment":"negative","sentiment_score":-0.33550962805747986,"channel":0,"num_words":1,"start":447.36002,"end":447.86002},{"sentences":[{"text":"for the inconvenience.","start":447.78998,"end":448.77,"sentiment":"negative","sentiment_score":-0.39139966169993085}],"sentiment":"negative","sentiment_score":-0.39139966169993085,"channel":1,"num_words":3,"start":447.78998,"end":448.77},{"sentences":[{"text":"oh, no.","start":449.52,"end":450.0,"sentiment":"neutral","sentiment_score":0.024305890314280987},{"text":"It's not a problem at all, please.","start":450.0,"end":451.76,"sentiment":"neutral","sentiment_score":0.19941284826823644},{"text":"You have nothing to apologize for.","start":451.76,"end":453.94,"sentiment":"neutral","sentiment_score":-0.00563960708677769},{"text":"What I will do after the call is I will just send you an email just kinda recapping those numbers just to get you to reconfirm them for me.","start":454.0,"end":461.415,"sentiment":"neutral","sentiment_score":0.1785598248243332},{"text":"I'll go back and just redig those numbers there.","start":461.575,"end":463.89502,"sentiment":"neutral","sentiment_score":0.1452677912182278}],"sentiment":"neutral","sentiment_score":0.14898696446896725,"channel":0,"num_words":53,"start":449.52,"end":463.89502},{"sentences":[{"text":"I'll read you up the advice document for you.","start":463.89502,"end":466.475,"sentiment":"neutral","sentiment_score":0.1474637058046129},{"text":"Is there a day next week that might suit you to run through the advice?","start":466.935,"end":470.635,"sentiment":"neutral","sentiment_score":0.0845935121178627}],"sentiment":"neutral","sentiment_score":0.10816983475039403,"channel":0,"num_words":24,"start":463.89502,"end":470.635},{"sentences":[{"text":"I would say probably I can't do Thursdays or Fridays.","start":473.2,"end":477.54,"sentiment":"neutral","sentiment_score":-0.08984658271074294},{"text":"So maybe maybe, like, anywhere from Monday to Wednesday.","start":478.4,"end":481.22,"sentiment":"neutral","sentiment_score":-0.03513603409131368}],"sentiment":"neutral","sentiment_score":-0.06393105968048698,"channel":1,"num_words":19,"start":473.2,"end":481.22},{"sentences":[{"text":"Okay.","start":481.43,"end":481.93,"sentiment":"neutral","sentiment_score":0.07121787965297699},{"text":"Yeah.","start":482.07,"end":482.47,"sentiment":"neutral","sentiment_score":0.15281197428703308},{"text":"Perfect.","start":482.47,"end":482.97,"sentiment":"positive","sentiment_score":0.34524935483932495},{"text":"And is this time of day normally the best for you?","start":483.19,"end":486.33,"sentiment":"neutral","sentiment_score":0.1421878771348433}],"sentiment":"neutral","sentiment_score":0.1523818469473294,"channel":0,"num_words":14,"start":481.43,"end":486.33},{"sentences":[{"text":"Yeah.","start":486.345,"end":486.845,"sentiment":"neutral","sentiment_score":0.10289549082517624},{"text":"The afternoon is usually the best one.","start":487.145,"end":489.245,"sentiment":"neutral","sentiment_score":0.09274891018867493}],"sentiment":"neutral","sentiment_score":0.09401723276823759,"channel":1,"num_words":8,"start":486.345,"end":489.245},{"sentences":[{"text":"04:00.","start":489.525,"end":490.165,"sentiment":"neutral","sentiment_score":0.02924000844359398},{"text":"Queensland.","start":490.165,"end":490.665,"sentiment":"neutral","sentiment_score":0.036717575043439865},{"text":"Not a problem at all.","start":490.725,"end":491.685,"sentiment":"neutral","sentiment_score":0.11468998640775681},{"text":"Well, how about next Monday?","start":491.685,"end":493.045,"sentiment":"neutral","sentiment_score":0.05517720282077789},{"text":"I do actually have 04:00 available.","start":493.045,"end":494.965,"sentiment":"neutral","sentiment_score":0.12578114246328673}],"sentiment":"neutral","sentiment_score":0.09277668802274598,"channel":0,"num_words":18,"start":489.525,"end":494.965},{"sentences":[{"text":"So I can give you the a call at the same time next Monday, and we can just run through that.","start":494.965,"end":498.885,"sentiment":"neutral","sentiment_score":0.13117148656220662},{"text":"Does that sound alright?","start":498.885,"end":499.945,"sentiment":"neutral","sentiment_score":0.13971201330423355}],"sentiment":"neutral","sentiment_score":0.13253797084093094,"channel":0,"num_words":25,"start":494.965,"end":499.945},{"sentences":[{"text":"Yep.","start":501.30002,"end":501.54,"sentiment":"neutral","sentiment_score":0.1775161325931549},{"text":"That sounds","start":501.54,"end":502.28,"sentiment":"neutral","sentiment_score":0.3011201322078705}],"sentiment":"neutral","sentiment_score":0.2599187990029653,"channel":1,"num_words":3,"start":501.30002,"end":502.28},{"sentences":[{"text":"Yep.","start":502.77002,"end":503.27002,"sentiment":"neutral","sentiment_score":0.3281650245189667},{"text":"Beautiful.","start":503.33002,"end":503.83002,"sentiment":"positive","sentiment_score":0.5866783857345581},{"text":"Not a problem at","start":504.13,"end":505.09,"sentiment":"positive","sentiment_score":0.4311954900622368}],"sentiment":"positive","sentiment_score":0.439937561750412,"channel":0,"num_words":6,"start":502.77002,"end":505.09},{"sentences":[{"text":"good.","start":505.06,"end":505.56,"sentiment":"positive","sentiment_score":0.4238319396972656}],"sentiment":"positive","sentiment_score":0.4238319396972656,"channel":1,"num_words":1,"start":505.06,"end":505.56},{"sentences":[{"text":"all.","start":505.09,"end":505.59,"sentiment":"positive","sentiment_score":0.36741194128990173},{"text":"I'll just send you a quick email after the call just to recap those numbers just to make sure that's still your comfort level, and then I'll go back.","start":505.89,"end":512.93,"sentiment":"neutral","sentiment_score":0.31733573253812464},{"text":"I'll just figure out the advice document for you.","start":512.93,"end":515.17,"sentiment":"neutral","sentiment_score":0.26155318154229057},{"text":"I'll call you next Monday.","start":515.17,"end":516.135,"sentiment":"neutral","sentiment_score":0.21892267167568208},{"text":"We'll run through that.","start":516.135,"end":517.015,"sentiment":"neutral","sentiment_score":0.2405652441084385}],"sentiment":"neutral","sentiment_score":0.29127085736642283,"channel":0,"num_words":48,"start":505.09,"end":517.015},{"sentences":[{"text":"If there are any changes, you're welcome to let me know.","start":517.015,"end":519.255,"sentiment":"neutral","sentiment_score":0.31877218322320416},{"text":"Okay?","start":519.255,"end":519.575,"sentiment":"neutral","sentiment_score":0.08860979229211807},{"text":"But you have nothing to apologize for.","start":519.575,"end":521.73505,"sentiment":"neutral","sentiment_score":-0.06606703358037132},{"text":"Alright?","start":521.73505,"end":522.23505,"sentiment":"neutral","sentiment_score":0.1219056099653244}],"sentiment":"neutral","sentiment_score":0.16272700913250446,"channel":0,"num_words":20,"start":517.015,"end":522.23505},{"sentences":[{"text":"Okay.","start":522.225,"end":522.725,"sentiment":"positive","sentiment_score":0.3816342353820801},{"text":"Thank you, Diana.","start":522.865,"end":523.845,"sentiment":"positive","sentiment_score":0.7516800165176392}],"sentiment":"positive","sentiment_score":0.6591685712337494,"channel":1,"num_words":4,"start":522.225,"end":523.845},{"sentences":[{"text":"That's okay, Kirby.","start":524.375,"end":525.575,"sentiment":"positive","sentiment_score":0.654141902923584},{"text":"I hope you have a good week.","start":525.575,"end":527.435,"sentiment":"positive","sentiment_score":0.7739866205624172},{"text":"Thank you.","start":529.84094,"end":530.40094,"sentiment":"positive","sentiment_score":0.7638657689094543},{"text":"I'll talk to you soon.","start":530.40094,"end":531.36096,"sentiment":"positive","sentiment_score":0.5098329961299897},{"text":"See you later.","start":531.36096,"end":532.18097,"sentiment":"positive","sentiment_score":0.4078433911005656}],"sentiment":"positive","sentiment_score":0.6340379372239113,"channel":0,"num_words":20,"start":524.375,"end":532.18097},{"sentences":[{"text":"Bye.","start":533.68097,"end":534.18097,"sentiment":"neutral","sentiment_score":-0.12164460122585297}],"sentiment":"neutral","sentiment_score":-0.12164460122585297,"channel":0,"num_words":1,"start":533.68097,"end":534.18097}]},"summary":{"result":"success","short":"Representatives from Okey Financial and an investment company call Kobe to discuss his savings and investment advice. They ask about his savings and debt usage, personal circumstances, and retirement plans. The representatives offer to record the call for security purposes and discuss his investment strategy and budgeting. They suggest reducing monthly budgets and extending the investment time frame to see if the customer can buy the property. They schedule a call for the following Monday to recap the numbers and advice documents."},"intents":{"segments":[{"text":"How much have you had to use out of your savings? Fair few.","start_word":132,"end_word":144,"intents":[{"intent":"Clarify financial situation","confidence_score":0.010299717}]},{"text":"Before I jump to the call, I'm gonna be talking more about your personal circumstance. So I do have to just reconfirm that you're comfortable with me recording the phone call moving forward. Yeah.","start_word":304,"end_word":337,"intents":[{"intent":"Confirm personal situation","confidence_score":0.0020483371}]},{"text":"And just to double check, I'll go through and do security with you as well. Well, I don't have a lot here for you. So sorry. I'm just pulling up your file correctly. I'll just get you to confirm your full name, date of birth, and address there for me just so I make sure I'm being security conscious. Toby Lucas Jones.","start_word":341,"end_word":402,"intents":[{"intent":"Confirm security","confidence_score":0.20536685}]},{"text":"I did have the advice all ready to go, but please do not in any way, shape, or form think that I think any ill of you in any way. Things happen. Life happens, and it's about just finding your way back on top of that. So I'm more than happy just to go back quickly, read you the numbers for you, and then I can present the advice again to you maybe a day next week. Is that okay? Yeah.","start_word":437,"end_word":517,"intents":[{"intent":"Present advice","confidence_score":0.40752366}]},{"text":"So I do not mind going back and rejigging the numbers for you in any way, shape, or form. Okay? Okay.","start_word":596,"end_word":616,"intents":[{"intent":"Rejigger numbers","confidence_score":0.1411742}]},{"text":"And now with what we had sort of discussed originally, the way the recommendation was to go was to be putting in between 2 to 300 on a fortnightly basis. Are you still finding that is fairly comfortable for where you're at, or would you maybe like to alter that amount?","start_word":679,"end_word":729,"intents":[{"intent":"Adjust deposit amount","confidence_score":0.050764594}]},{"text":"So what if we maybe dropped it down to, say, 150 to 200 on a fortnightly basis to see what that does for us? Does that feel fairly comfortable? Yeah.","start_word":921,"end_word":950,"intents":[{"intent":"Adjust budget","confidence_score":0.024711482}]},{"text":"So extending the time frame can definitely be of some help, but I'll go back and rejig those numbers and have a look at what we can do there. Okay?","start_word":1295,"end_word":1324,"intents":[{"intent":"Improve numbers","confidence_score":0.0002513356}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Kobe. It's Dana from Okey Financial. How are you? Hi, Dana. I'm doing decent, No. That's okay. The idea that sorry. I The end of the sentence, you said, I guess. Is everything okay? guess. I mean, like, not really because Yeah. I was planning on actually, you know, going ahead and investing those savings that I had, and Yeah. I've had to use some of them.","start_word":0,"end_word":68,"sentiment":"neutral","sentiment_score":-0.03310023993253708},{"text":"So I'm so it's sorry. kinda set me back, and I don't like, I've felt as if you would see that as, like, unprofessional or not willing Yeah.","start_word":69,"end_word":96,"sentiment":"negative","sentiment_score":-0.45754337310791016},{"text":"to, like, put in No. the, you know, the time and the, obviously, Yeah. the dedication to doing it. Oh, of course, definitely not. I do not think that in any way, shape, or form. How much have you had to use out of your savings? Fair few. Since I've moved in. Fair Okay. few. These circumstances have I changed think a little bit significantly. Yeah. yeah, I think I have, like, about 3.5 k. Okay. Okay. It's just about a little over half from what we had initially.","start_word":97,"end_word":185,"sentiment":"neutral","sentiment_score":-0.0705525279045105},{"text":"That's absolutely okay.","start_word":186,"end_word":188,"sentiment":"positive","sentiment_score":0.3515876531600952},{"text":"What we can do if you wanted, I could still go through the advice document for you, or I could always go back and just kind of rejig the numbers and maybe update it to reflect your current circumstances. Did you want me just to go back and rejig it a little bit to reflect the changes in your circumstances at all? Yeah. If we can. Also, Yeah. again, That's I'm sorry I haven't been able to, like, not use that. It's just, you know, I got, like, this the whole student no. No. debt thing on top Yeah. of uni and everything. No. That's absolutely okay.","start_word":189,"end_word":295,"sentiment":"neutral","sentiment_score":-0.016662174835801125},{"text":"It's not a problem at all.","start_word":296,"end_word":301,"sentiment":"positive","sentiment_score":0.41422590613365173},{"text":"Look. Before I jump to the call, I'm gonna be talking more about your personal circumstance. So I do have to just reconfirm that you're comfortable with me recording the phone call moving forward. Yeah. It's okay.","start_word":302,"end_word":338,"sentiment":"neutral","sentiment_score":0.04632623614491643},{"text":"Yeah. Beautiful.","start_word":339,"end_word":340,"sentiment":"positive","sentiment_score":0.5739957094192505},{"text":"And just to double check, I'll go through and do security with you as well. Well, I don't have a lot here for you. So sorry. I'm just pulling up your file correctly. I'll just get you to confirm your full name, date of birth, and address there for me just so I make sure I'm being security conscious. Toby Lucas Jones. 17 Yep. Greg And Crescent.","start_word":341,"end_word":407,"sentiment":"neutral","sentiment_score":0.035764455795288086},{"text":"Beautiful. Lovely. Thank you so much for that.","start_word":408,"end_word":415,"sentiment":"positive","sentiment_score":0.6823042631149292},{"text":"Now so what I can do, if you like, is I could just go back. I can read you the numbers. I did have the advice all ready to go, but please do not in any way, shape, or form think that I think any ill of you in any way. Things happen. Life happens, and it's about just finding your way back on top of that.","start_word":416,"end_word":482,"sentiment":"neutral","sentiment_score":-0.025707555934786797},{"text":"So I'm more than happy just to go back quickly, read you the numbers for you, and then I can present the advice again to you maybe a day next week.","start_word":483,"end_word":513,"sentiment":"positive","sentiment_score":0.4219522774219513},{"text":"Is that okay? Yeah. That's okay. Yep. That's alright. So I'm just so sorry about no. this, by the way. I do realize how, like, it can be a Yeah. setback, and it does kinda give you more work. So I'm sorry about that. It's honestly fine, Kobe. That's what I'm here for, so please do not feel guilty in any way, shape, or form. As I said, life happens.","start_word":514,"end_word":583,"sentiment":"neutral","sentiment_score":-0.030327124521136284},{"text":"It's completely understandable, and I really enjoy doing this kind of work.","start_word":584,"end_word":595,"sentiment":"positive","sentiment_score":0.4485226571559906},{"text":"So I do not mind going back and rejigging the numbers for you in any way, shape, or form. Okay? Okay. Oh, good. Now you mentioned that you have about 3,500 left after the changes. Is that right? Yep. Yep.","start_word":596,"end_word":635,"sentiment":"neutral","sentiment_score":0.07364261886104942},{"text":"Beautiful.","start_word":636,"end_word":636,"sentiment":"positive","sentiment_score":0.6821625232696533},{"text":"And are you still fairly comfortable with the the putting the full 3,500 into the investment, or did you wanna maybe change the original initial deposit? Like, I'm pretty comfortable putting the 3,500 Yep. in. Yep.","start_word":637,"end_word":672,"sentiment":"neutral","sentiment_score":0.15830858051776886},{"text":"Beautiful. Not a problem at all.","start_word":673,"end_word":678,"sentiment":"positive","sentiment_score":0.404601126909256},{"text":"And now with what we had sort of discussed originally, the way the recommendation was to go was to be putting in between 2 to 300 on a fortnightly basis. Are you still finding that is fairly comfortable for where you're at, or would you maybe like to alter that amount? I probably like, now having a look at the numbers, I probably wouldn't be able to do that in a week until I do land a second job. Okay. So Yep. That's okay. Would the the amount we were looking at was between 2 to 300 on a fortnightly basis. So it's around about a 150 to a 100 to $1.50 on a weekly basis. Do you still think that should be reduced a little bit? Yeah. Like I Yep. I think that they wouldn't have enough. No. That's okay.","start_word":679,"end_word":819,"sentiment":"neutral","sentiment_score":-0.05481082201004028},{"text":"It's absolutely fine.","start_word":820,"end_word":822,"sentiment":"positive","sentiment_score":0.35951679944992065},{"text":"How much do you feel comfortable putting into the investment on a weekly, fortnightly, or monthly basis now that your circumstances have changed? Well, I mean, at the moment, I'm getting paid fortnightly, and then about 200 of that before night goes to rent. Yep. Yep. And then I've got a 100 on I've got a 100 on, like, utilities and stuff, and then the rest of it is, like, 350 that I have left over Okay. So for the next three 100 four and months. 50. Yeah. Yep. So 350 left over for the next fortnight. So what if we maybe dropped it down to, say, 150 to 200 on a fortnightly basis to see what that does for us? Does that feel fairly comfortable? Yeah. That's probably better. Yep. Yep.","start_word":823,"end_word":954,"sentiment":"neutral","sentiment_score":0.02833697073175713},{"text":"That's okay.","start_word":955,"end_word":956,"sentiment":"positive","sentiment_score":0.33341410756111145},{"text":"With you budgeting, say, $200 on a fortnightly basis for rent and a $100 a fortnight for utilities there as well, what are you spending in food? Do you do, like, your grocery bill as well, or do you need to put in for food? Yeah. There are oftentimes I do have to put in some food. Yep. Usually, I'm only going, like, 50 to 100 on that over the utilities because I I do use that money that I have for utilities on food too. Okay. So No problem at all. So 50 to 100. I can budget an extra, say, $100 towards the food side of things and per fortnight. Would that be okay? Yep. Yep. Yep.","start_word":957,"end_word":1075,"sentiment":"neutral","sentiment_score":0.0642755851149559},{"text":"Beautiful. Lovely.","start_word":1076,"end_word":1077,"sentiment":"positive","sentiment_score":0.5859358310699463},{"text":"So we're just altering that. What's your regular income amount on a fortnightly basis at the moment? What are you regularly receiving? About 730. $7.30 per fortnight? And Yep. that's fairly standard. You get that generally every fortnight regardless. It's it doesn't sort of fluctuate too much? Yeah. I get that every format. Yep. That's okay. Not a problem at all.","start_word":1078,"end_word":1138,"sentiment":"neutral","sentiment_score":0.08285365253686905},{"text":"Beautiful.","start_word":1139,"end_word":1139,"sentiment":"positive","sentiment_score":0.5059753656387329},{"text":"And now we were sort of banking on the next seven years. The only sort of thing to really consider is to maybe get our savings working a little bit harder. We may need to maybe be willing to extend that time frame out a little bit more. Are you comfortable extending that time frame by maybe one or two years, or are you sort of stuck on that seven years to be able to buy the property? What's your sort of thoughts around that? At the end of the day, it's okay if we push a couple more years. Yep.","start_word":1140,"end_word":1240,"sentiment":"neutral","sentiment_score":0.008499125018715858},{"text":"That's okay.","start_word":1241,"end_word":1242,"sentiment":"positive","sentiment_score":0.33750492334365845},{"text":"Well, I can have a look at seven years to see where we can sorta go, and then I can also look at maybe eight or ten years to sorta see what that looks like for you because we are reducing the amount that we're starting with and reducing the regular contributions. So extending the time frame can definitely be of some help, but I'll go back and rejig those numbers and have a look at what we can do there. Okay?","start_word":1243,"end_word":1324,"sentiment":"neutral","sentiment_score":0.13829271495342255},{"text":"Thank you so much, Dana.","start_word":1325,"end_word":1329,"sentiment":"positive","sentiment_score":0.5592372417449951},{"text":"Again, I No.","start_word":1330,"end_word":1332,"sentiment":"neutral","sentiment_score":-0.04977792501449585},{"text":"apologize That's for the inconvenience.","start_word":1333,"end_word":1337,"sentiment":"negative","sentiment_score":-0.346696674823761},{"text":"oh, no. It's not a problem at all, please. You have nothing to apologize for. What I will do after the call is I will just send you an email just kinda recapping those numbers just to get you to reconfirm them for me. I'll go back and just redig those numbers there. I'll read you up the advice document for you. Is there a day next week that might suit you to run through the advice? I would say probably I can't do Thursdays or Fridays. So maybe maybe, like, anywhere from Monday to Wednesday. Okay. Yeah.","start_word":1338,"end_word":1435,"sentiment":"neutral","sentiment_score":0.0932166501879692},{"text":"Perfect.","start_word":1436,"end_word":1436,"sentiment":"positive","sentiment_score":0.34524935483932495},{"text":"And is this time of day normally the best for you? Yeah. The afternoon is usually the best one. 04:00. Queensland. Not a problem at all. Well, how about next Monday? I do actually have 04:00 available. So I can give you the a call at the same time next Monday, and we can just run through that. Does that sound alright? Yep. That sounds Yep.","start_word":1437,"end_word":1502,"sentiment":"neutral","sentiment_score":0.12653903663158417},{"text":"Beautiful. Not a problem at good. all.","start_word":1503,"end_word":1509,"sentiment":"positive","sentiment_score":0.4415929615497589},{"text":"I'll just send you a quick email after the call just to recap those numbers just to make sure that's still your comfort level, and then I'll go back. I'll just figure out the advice document for you. I'll call you next Monday. We'll run through that. If there are any changes, you're welcome to let me know. Okay? But you have nothing to apologize for. Alright?","start_word":1510,"end_word":1576,"sentiment":"neutral","sentiment_score":0.25186290158264674},{"text":"Okay. Thank you, Diana. That's okay, Kirby. I hope you have a good week. Thank you. I'll talk to you soon. See you later.","start_word":1577,"end_word":1600,"sentiment":"positive","sentiment_score":0.6263535618782043},{"text":"Bye.","start_word":1601,"end_word":1601,"sentiment":"neutral","sentiment_score":0.2052772045135498}],"average":{"sentiment":"neutral","sentiment_score":0.061305843264088}}}}