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Not a problem. So just kind of with the TPD benefit, you have the same amount as life. Are you happy with the level of cover you have for TPD? Did you wanna kinda review that in any way, shape, or form? Correct. Yeah. Exactly. Yeah. If you're unable to go back to work permanently and you can claim the TPD benefit, which you have currently at about 374,000, Yeah. $3.74 $7.02 8. And, again, your super benefit can also be claimed on top of that. So it's a bit over 500,000 total at the moment. Well, realistically, if anything happens to you, you wanna claim on income protection first. So, normally, it's the first thing we claim on because we're off work for ninety days, so we make a claim on income protection. And then as we kinda stay on income protection for longer and the doctors go, yeah, the likelihood of you going back to work or being unable to work again in any occupation is very low or you're not gonna be able to go back to work again, then you can claim on TBD. The TBD benefit is paid out, but you can still be receiving the income protection claim at the same time. Absolutely. There is nothing that says you can't. If you've got an age 65 benefit, they will continue to pay the claim. Sometimes they might offer a lump sum instead of continuing to make the payments on a regular basis. But, yeah, look, you can be on both of those claims. Yeah. Absolutely. Perfect. Now it is important to note that you don't have any other types of insurances outside of sleep that I can see, like trauma for yourself. There's no child trauma policies. The trauma policies tend to cover, like, major diagnoses, things like heart attack, strokes, certain neurological conditions like motor neuron disease or Parkinson's are claimable. Trauma, you have to pay out of your back pocket, so they can't be paid for inside a super. You can claim on these other insurances, but trauma tends to pay out, like, a lump sum tax free benefit without having any kind of waiting period or stipulations like income protection and TPD too. Did you wanna look at getting anything additional like that, or are you happy just with the cover you have? Yeah. Yeah. It's okay. Yeah. Absolutely. Yes. That's absolutely fine. We'll retain what you have for the moment with the advice scoping at any trauma. That's not a problem. I'll retain your life and TPD at the same benefits that they are, and I'll just look at maybe decreasing your income protection in line with what your income is so you're not over insured or paying too much for the insurances. Okay? Fantastic. So everything looks really good. I'm also gonna go back if you're comfortable with just make sure have a look at your super. So I can sort of see that there is that Ben along that's underperforming in your super. I'd like to, if you're comfortable, just go back, maybe update the advice for you, maybe remove any underperforming investments, and have a look at the portfolios and the investments that you have at the moment and see if there's something better performing that can help with additional growth to your super and work towards your goals. Are you happy with me reviewing the super and the investments and updating the advice for you as well? Fantastic. I've never had anyone say no. Don't do that. I can just sort of see some places where we might be able to make some additional changes for you that might provide greater benefits, so it'd be great to definitely do that for you. Okay? Excellent. Now having a look at things, you originally noted here that your goal for retirement was at least 67. Are you still sort of thinking that for retirement, or are you hoping to maybe retire earlier? So that's the age to apply for age pension through Centrelink if you're eligible to do so. Under the legislation with your super, if you retire at 60, you can actually access your super fully tax free. Yeah. Honestly, at 60, the chances are very high. I just need to get you super working a bit harder, maybe look at some contributions going in. With the advice, I'll look at what we're doing for super and the investments there, but we'll track it over the next ten years because you still have a lot more than ten years ahead of you. And then we can keep updating the advice and keep tracking, but, you know, the projections will outline what we expect to see in the next sort of five to ten years so you can sort of see where you're tracking for currently. Yeah. Oh, wow. I mean, retiring at 60, it'd be great. You'd have a lot of living. Your kids would still be young to enjoy the time with you, and you'll be healthy enough to get out there and enjoy your life. Well, absolutely. Absolutely. We'll leave that one with me, Kieran. I'll do some research. In a couple of weeks, I'll come back with an advice document, and we'll go through that together. Okay? Excellent. Now contributions wise, oh, I'm sorry. Just before I do move on, in the time that you initially said you wanted to live on about $1,500 per week, is that still your retirement goal income wise? Yep. That's okay. Yeah. Yeah. Absolutely. No. That's absolutely fine. So let's track for that now. Essentially, when you get to retirement, regardless what your super balance is, you'll be able to draw the income that you essentially want. The main thing is that it depends on your super balance as to how long how it's invested, as to how long that will last. But if you wanted to retire at 60, I'll work on at 60. When you get to that point, we'll work on what you need to live on at that time. And then when you become eligible for age pension at 67, then we essentially look at the eligibility, what you can get from age pension, and how we can draw less out of your super. And that's how we get a bit of longevity. We do combinations of super and age pension. If you've got investments outside of super, we look at combining that for you as well. So it's just about looking at what you've got available to you, how to draw the income, and making sure you get as much longevity out of it as possible while still being able to live. Yeah. Excellent. Contributions wise for the advice, how much is there a certain amount that you're comfortable maybe contributing to start with, noting that you are 45 this year. So, realistically, you can start with a lower amount. You've got more than ten years. We can start with a smaller contribution amount, see how that goes, and then build that up over time for the compounding effect. Is there an amount you're comfortable with, or did you want us to tell you what you need to do? What's what where you where's your comfort level? A $100 a week. Beautiful. Let's start with that one. I'll show you how that works as part of the advice, the advantages, the disadvantages, the risks involved in the projected cycle with that, and then we can always talk about it if you feel like you need to adjust that, and we'll review it with you regularly each year as well. Okay? Really? Wow. I mean, that's horrible. I can see there has been some deposits from the ATO. So from the twenty fifth of the sixth this year, there was that $500 deposit there. So it looks like some money has been streaming through, but there was no. No. And it looks like there was another ATO deposit on the third or the second. So it looks like maybe they have been collecting some owed superannuation or there has been some that's been paid to them. I do know when you work for someone as an employee, they have to essentially declare how much super you were owed and whether it was paid. So if they haven't paid that super to you, the ATO will need to collect that, and the employer will be penalized for not paying it. So, hopefully, that comes through. Right. Yeah. Yeah. Oh, no. Well, you should definitely declare that. So speak to your accountant and get them to lodge the request with the ACO and get them to go back and try and claim the funds for you because, realistically, that's if you've done the work, that's your money. You should absolutely be paid it. So I would when your accountant does your tax return, tell them how much you are owed in the background and see if they can lodge something. They should be able to lodge a request with the ATO. They should have access to the ATO's portal to do so and see if the ATO can, you know, claim all that back for you. It might take time, but they should be able to go ahead and do that because, realistically, you did the work. You just have the money. Yeah. Absolutely. I'll look at a $100 per week contributions wise. Are you finding that you're able to put sort of savings away out of your income at the moment, or are you sort of finding everything going towards your expenses with you being self employed and everything? Of course. School holidays. Absolute I mean, Christmas, we'd all be dead broke. Yeah. That's okay. About three weeks ago, how much were you able to sort of put away prior to school holidays? Okay. Yeah. Absolutely. Beautiful. Oh, fantastic. When do you wanna go? When's your goal to head over to Ireland? Yeah. Yeah. And how much do you think you'll need to save to kinda get that trip going? 20,000. So what that a guy needs to pay you would basically cover all that. No. All good. Look. That sounds like an amazing trip. Have the kids been to Ireland before? Yeah. Oh, that'll honestly be amazing and such amazing family memories. Look. I've got older kids. I've got three. So one's 10. The others are 19 and 20. And you don't get this time back. I definitely cherish them being so young. So and they're at fun ages where you get to enjoy them and have fun. All good. And just running through your assets and liabilities I have here. Now you had your savings sitting around 2,000 sorry. 260,000. Do you still have that much in savings? Has that decreased or increased a little bit? Okay. 100 and 60,000. You've put the money into, like, shares or something? Or oh, car. Yep. Was that the work truck that I have noted here? That's okay. Yep. Okay. Beautiful. So the work truck is 60,000 there. And what sort of what sort of value would you put on the new vehicle? 30,000? What kind of what kind of vehicle is it? Oh, fantastic. Lovely. And the work truck that you had valued at $60, what sort of vehicle is that? Land Cruiser. Beautiful. And then I also had another motor vehicle here as well with a value of about 20,000. Do you have a third vehicle there as well? Hi, Karen. Can you hear me? Hello, Karen? Hello, Karen. 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Yes. I can. I've got you again. Oh, good.\n\nI'm so sorry. It dropped out. Oh, that's okay. That's alright. I'll I'm pretty persistent.\n\nI'll keep trying. Oh, no. That's okay. Not a problem. So just kind of with the TPD benefit, you have the same amount as life.\n\nAre you happy with the level of cover you have for TPD? Did you wanna kinda review that in any way, shape, or form? Correct. Yeah. Exactly.\n\nYeah. If you're unable to go back to work permanently and you can claim the TPD benefit, which you have currently at about 374,000, Yeah. $3.74 $7.02 8. And, again, your super benefit can also be claimed on top of that. So it's a bit over 500,000 total at the moment.\n\nWell, realistically, if anything happens to you, you wanna claim on income protection first. So, normally, it's the first thing we claim on because we're off work for ninety days, so we make a claim on income protection. And then as we kinda stay on income protection for longer and the doctors go, yeah, the likelihood of you going back to work or being unable to work again in any occupation is very low or you're not gonna be able to go back to work again, then you can claim on TBD. The TBD benefit is paid out, but you can still be receiving the income protection claim at the same time. Absolutely.\n\nThere is nothing that says you can't. If you've got an age 65 benefit, they will continue to pay the claim. Sometimes they might offer a lump sum instead of continuing to make the payments on a regular basis. But, yeah, look, you can be on both of those claims. Yeah.\n\nAbsolutely. Perfect. Now it is important to note that you don't have any other types of insurances outside of sleep that I can see, like trauma for yourself. There's no child trauma policies. The trauma policies tend to cover, like, major diagnoses, things like heart attack, strokes, certain neurological conditions like motor neuron disease or Parkinson's are claimable.\n\nTrauma, you have to pay out of your back pocket, so they can't be paid for inside a super. You can claim on these other insurances, but trauma tends to pay out, like, a lump sum tax free benefit without having any kind of waiting period or stipulations like income protection and TPD too. Did you wanna look at getting anything additional like that, or are you happy just with the cover you have? Yeah. Yeah.\n\nIt's okay. Yeah. Absolutely. Yes. That's absolutely fine.\n\nWe'll retain what you have for the moment with the advice scoping at any trauma. That's not a problem. I'll retain your life and TPD at the same benefits that they are, and I'll just look at maybe decreasing your income protection in line with what your income is so you're not over insured or paying too much for the insurances. Okay? Fantastic.\n\nSo everything looks really good. I'm also gonna go back if you're comfortable with just make sure have a look at your super. So I can sort of see that there is that Ben along that's underperforming in your super. I'd like to, if you're comfortable, just go back, maybe update the advice for you, maybe remove any underperforming investments, and have a look at the portfolios and the investments that you have at the moment and see if there's something better performing that can help with additional growth to your super and work towards your goals. Are you happy with me reviewing the super and the investments and updating the advice for you as well?\n\nFantastic. I've never had anyone say no. Don't do that. I can just sort of see some places where we might be able to make some additional changes for you that might provide greater benefits, so it'd be great to definitely do that for you. Okay?\n\nExcellent. Now having a look at things, you originally noted here that your goal for retirement was at least 67. Are you still sort of thinking that for retirement, or are you hoping to maybe retire earlier? So that's the age to apply for age pension through Centrelink if you're eligible to do so. Under the legislation with your super, if you retire at 60, you can actually access your super fully tax free.\n\nYeah. Honestly, at 60, the chances are very high. I just need to get you super working a bit harder, maybe look at some contributions going in. With the advice, I'll look at what we're doing for super and the investments there, but we'll track it over the next ten years because you still have a lot more than ten years ahead of you. And then we can keep updating the advice and keep tracking, but, you know, the projections will outline what we expect to see in the next sort of five to ten years so you can sort of see where you're tracking for currently.\n\nYeah. Oh, wow. I mean, retiring at 60, it'd be great. You'd have a lot of living. Your kids would still be young to enjoy the time with you, and you'll be healthy enough to get out there and enjoy your life.\n\nWell, absolutely. Absolutely. We'll leave that one with me, Kieran. I'll do some research. In a couple of weeks, I'll come back with an advice document, and we'll go through that together.\n\nOkay? Excellent. Now contributions wise, oh, I'm sorry. Just before I do move on, in the time that you initially said you wanted to live on about $1,500 per week, is that still your retirement goal income wise? Yep.\n\nThat's okay. Yeah. Yeah. Absolutely. No.\n\nThat's absolutely fine. So let's track for that now. Essentially, when you get to retirement, regardless what your super balance is, you'll be able to draw the income that you essentially want. The main thing is that it depends on your super balance as to how long how it's invested, as to how long that will last. But if you wanted to retire at 60, I'll work on at 60.\n\nWhen you get to that point, we'll work on what you need to live on at that time. And then when you become eligible for age pension at 67, then we essentially look at the eligibility, what you can get from age pension, and how we can draw less out of your super. And that's how we get a bit of longevity. We do combinations of super and age pension. If you've got investments outside of super, we look at combining that for you as well.\n\nSo it's just about looking at what you've got available to you, how to draw the income, and making sure you get as much longevity out of it as possible while still being able to live. Yeah. Excellent. Contributions wise for the advice, how much is there a certain amount that you're comfortable maybe contributing to start with, noting that you are 45 this year. So, realistically, you can start with a lower amount.\n\nYou've got more than ten years. We can start with a smaller contribution amount, see how that goes, and then build that up over time for the compounding effect. Is there an amount you're comfortable with, or did you want us to tell you what you need to do? What's what where you where's your comfort level? A $100 a week.\n\nBeautiful. Let's start with that one. I'll show you how that works as part of the advice, the advantages, the disadvantages, the risks involved in the projected cycle with that, and then we can always talk about it if you feel like you need to adjust that, and we'll review it with you regularly each year as well. Okay? Really?\n\nWow. I mean, that's horrible. I can see there has been some deposits from the ATO. So from the twenty fifth of the sixth this year, there was that $500 deposit there. So it looks like some money has been streaming through, but there was no.\n\nNo. And it looks like there was another ATO deposit on the third or the second. So it looks like maybe they have been collecting some owed superannuation or there has been some that's been paid to them. I do know when you work for someone as an employee, they have to essentially declare how much super you were owed and whether it was paid. So if they haven't paid that super to you, the ATO will need to collect that, and the employer will be penalized for not paying it.\n\nSo, hopefully, that comes through. Right. Yeah. Yeah. Oh, no.\n\nWell, you should definitely declare that. So speak to your accountant and get them to lodge the request with the ACO and get them to go back and try and claim the funds for you because, realistically, that's if you've done the work, that's your money. You should absolutely be paid it. So I would when your accountant does your tax return, tell them how much you are owed in the background and see if they can lodge something. They should be able to lodge a request with the ATO.\n\nThey should have access to the ATO's portal to do so and see if the ATO can, you know, claim all that back for you. It might take time, but they should be able to go ahead and do that because, realistically, you did the work. You just have the money. Yeah. Absolutely.\n\nI'll look at a $100 per week contributions wise. Are you finding that you're able to put sort of savings away out of your income at the moment, or are you sort of finding everything going towards your expenses with you being self employed and everything? Of course. School holidays. Absolute I mean, Christmas, we'd all be dead broke.\n\nYeah. That's okay. About three weeks ago, how much were you able to sort of put away prior to school holidays? Okay. Yeah.\n\nAbsolutely. Beautiful. Oh, fantastic. When do you wanna go? When's your goal to head over to Ireland?\n\nYeah. Yeah. And how much do you think you'll need to save to kinda get that trip going? 20,000. So what that a guy needs to pay you would basically cover all that.\n\nNo. All good. Look. That sounds like an amazing trip. Have the kids been to Ireland before?\n\nYeah. Oh, that'll honestly be amazing and such amazing family memories. Look. I've got older kids. I've got three.\n\nSo one's 10. The others are 19 and 20. And you don't get this time back. I definitely cherish them being so young. So and they're at fun ages where you get to enjoy them and have fun.\n\nAll good. And just running through your assets and liabilities I have here. Now you had your savings sitting around 2,000 sorry. 260,000. Do you still have that much in savings?\n\nHas that decreased or increased a little bit? Okay. 100 and 60,000. You've put the money into, like, shares or something? Or oh, car.\n\nYep. Was that the work truck that I have noted here? That's okay. Yep. Okay.\n\nBeautiful. So the work truck is 60,000 there. And what sort of what sort of value would you put on the new vehicle? 30,000? What kind of what kind of vehicle is it?\n\nOh, fantastic. Lovely. And the work truck that you had valued at $60, what sort of vehicle is that? Land Cruiser. Beautiful.\n\nAnd then I also had another motor vehicle here as well with a value of about 20,000. Do you have a third vehicle there as well? Hi, Karen. Can you hear me? Hello, Karen?\n\nHello, Karen. Can you hear me at all?","paragraphs":[{"sentences":[{"text":"Hi, Kieran.","start":7.3599997,"end":8.0,"sentiment":"neutral","sentiment_score":0.05834958329796791},{"text":"Yes.","start":8.0,"end":8.24,"sentiment":"neutral","sentiment_score":0.1551991105079651},{"text":"I can.","start":8.24,"end":8.559999,"sentiment":"neutral","sentiment_score":0.20048867166042328},{"text":"I've got you again.","start":8.559999,"end":9.54,"sentiment":"neutral","sentiment_score":0.14976315200328827},{"text":"Oh, good.","start":9.599999,"end":10.0,"sentiment":"neutral","sentiment_score":0.15583860129117966}],"sentiment":"neutral","sentiment_score":0.14396413009275089,"num_words":11,"start":7.3599997,"end":10.0},{"sentences":[{"text":"I'm so sorry.","start":10.0,"end":10.719999,"sentiment":"neutral","sentiment_score":-0.3075505296389262},{"text":"It dropped out.","start":10.719999,"end":11.78,"sentiment":"negative","sentiment_score":-0.41896559794743854},{"text":"Oh, that's okay.","start":14.844999,"end":15.905,"sentiment":"neutral","sentiment_score":-0.15041931718587875},{"text":"That's alright.","start":18.045,"end":18.765,"sentiment":"neutral","sentiment_score":-0.21699436008930206},{"text":"I'll I'm pretty persistent.","start":18.765,"end":20.064999,"sentiment":"negative","sentiment_score":-0.5133919268846512}],"sentiment":"negative","sentiment_score":-0.34122418413559596,"num_words":15,"start":10.0,"end":20.064999},{"sentences":[{"text":"I'll keep trying.","start":20.125,"end":21.025,"sentiment":"negative","sentiment_score":-0.5084372659524282},{"text":"Oh, no.","start":23.485,"end":27.26,"sentiment":"neutral","sentiment_score":-0.1272057630121708},{"text":"That's okay.","start":27.26,"end":28.060001,"sentiment":"neutral","sentiment_score":0.017341094091534615},{"text":"Not a problem.","start":28.060001,"end":29.04,"sentiment":"neutral","sentiment_score":0.19817831615606943},{"text":"So just kind of with the TPD benefit, you have the same amount as life.","start":29.580002,"end":33.02,"sentiment":"neutral","sentiment_score":0.1318438654144605}],"sentiment":"neutral","sentiment_score":0.033086071759462356,"num_words":25,"start":20.125,"end":33.02},{"sentences":[{"text":"Are you happy with the level of cover you have for TPD?","start":33.02,"end":35.68,"sentiment":"neutral","sentiment_score":0.15153325162827969},{"text":"Did you wanna kinda review that in any way, shape, or form?","start":35.74,"end":38.72,"sentiment":"neutral","sentiment_score":0.05092596852531036},{"text":"Correct.","start":43.835003,"end":44.335003,"sentiment":"neutral","sentiment_score":-0.031131617724895477},{"text":"Yeah.","start":44.395,"end":44.875,"sentiment":"neutral","sentiment_score":0.0017061755061149595},{"text":"Exactly.","start":44.875,"end":45.355003,"sentiment":"neutral","sentiment_score":0.01131173875182867}],"sentiment":"neutral","sentiment_score":0.0893109977176344,"num_words":27,"start":33.02,"end":45.355003},{"sentences":[{"text":"Yeah.","start":45.355003,"end":45.595,"sentiment":"neutral","sentiment_score":0.03534244745969772},{"text":"If you're unable to go back to work permanently and you can claim the TPD benefit, which you have currently at about 374,000, Yeah.","start":45.595,"end":55.64,"sentiment":"neutral","sentiment_score":-0.011012198713918528},{"text":"$3.74 $7.02 8.","start":55.64,"end":57.9,"sentiment":"neutral","sentiment_score":0.024197511995832127},{"text":"And, again, your super benefit can also be claimed on top of that.","start":58.52,"end":61.72,"sentiment":"neutral","sentiment_score":0.10961138772276732},{"text":"So it's a bit over 500,000 total at the moment.","start":61.72,"end":64.94,"sentiment":"neutral","sentiment_score":0.06789659671485423}],"sentiment":"neutral","sentiment_score":0.03818737689916994,"num_words":51,"start":45.355003,"end":64.94},{"sentences":[{"text":"Well, realistically, if anything happens to you, you wanna claim on income protection first.","start":70.055,"end":74.695,"sentiment":"neutral","sentiment_score":0.06652043147810868},{"text":"So, normally, it's the first thing we claim on because we're off work for ninety days, so we make a claim on income protection.","start":74.695,"end":80.075,"sentiment":"neutral","sentiment_score":0.059560027303329356},{"text":"And then as we kinda stay on income protection for longer and the doctors go, yeah, the likelihood of you going back to work or being unable to work again in any occupation is very low or you're not gonna be able to go back to work again, then you can claim on TBD.","start":80.69,"end":94.55,"sentiment":"neutral","sentiment_score":-0.028108042630332487},{"text":"The TBD benefit is paid out, but you can still be receiving the income protection claim at the same time.","start":95.385,"end":101.625,"sentiment":"neutral","sentiment_score":0.19310313165187837},{"text":"Absolutely.","start":101.625,"end":102.125,"sentiment":"neutral","sentiment_score":0.15555846691131592}],"sentiment":"neutral","sentiment_score":0.04301339375118898,"num_words":113,"start":70.055,"end":102.125},{"sentences":[{"text":"There is nothing that says you can't.","start":102.345,"end":103.945,"sentiment":"neutral","sentiment_score":-0.0860291091459138},{"text":"If you've got an age 65 benefit, they will continue to pay the claim.","start":103.945,"end":108.09,"sentiment":"neutral","sentiment_score":0.01196941826492548},{"text":"Sometimes they might offer a lump sum instead of continuing to make the payments on a regular basis.","start":108.329994,"end":113.549995,"sentiment":"neutral","sentiment_score":0.021262089514897928},{"text":"But, yeah, look, you can be on both of those claims.","start":114.409996,"end":117.149994,"sentiment":"neutral","sentiment_score":0.04323549771850759},{"text":"Yeah.","start":123.305,"end":123.785,"sentiment":"neutral","sentiment_score":0.09146374464035034}],"sentiment":"neutral","sentiment_score":0.010100782794110915,"num_words":51,"start":102.345,"end":123.785},{"sentences":[{"text":"Absolutely.","start":123.785,"end":124.285,"sentiment":"positive","sentiment_score":0.4027110040187836},{"text":"Perfect.","start":124.745,"end":125.245,"sentiment":"positive","sentiment_score":0.5720371603965759},{"text":"Now it is important to note that you don't have any other types of insurances outside of sleep that I can see, like trauma for yourself.","start":125.785,"end":132.125,"sentiment":"neutral","sentiment_score":-0.021599778189108923},{"text":"There's no child trauma policies.","start":132.65001,"end":134.33,"sentiment":"neutral","sentiment_score":-0.10096596777439118},{"text":"The trauma policies tend to cover, like, major diagnoses, things like heart attack, strokes, certain neurological conditions like motor neuron disease or Parkinson's are claimable.","start":134.33,"end":144.99,"sentiment":"neutral","sentiment_score":-0.03102359961718321}],"sentiment":"neutral","sentiment_score":-0.014952860306948423,"num_words":58,"start":123.785,"end":144.99},{"sentences":[{"text":"Trauma, you have to pay out of your back pocket, so they can't be paid for inside a super.","start":145.875,"end":150.535,"sentiment":"neutral","sentiment_score":-0.06821619307524279},{"text":"You can claim on these other insurances, but trauma tends to pay out, like, a lump sum tax free benefit without having any kind of waiting period or stipulations like income protection and TPD too.","start":150.835,"end":161.82,"sentiment":"neutral","sentiment_score":0.019543090728776795},{"text":"Did you wanna look at getting anything additional like that, or are you happy just with the cover you have?","start":162.12,"end":166.78,"sentiment":"neutral","sentiment_score":-0.0011642010882496833},{"text":"Yeah.","start":174.295,"end":174.795,"sentiment":"neutral","sentiment_score":0.09521621465682983},{"text":"Yeah.","start":174.935,"end":175.255,"sentiment":"neutral","sentiment_score":0.0813148245215416}],"sentiment":"neutral","sentiment_score":-0.006037532572487467,"num_words":76,"start":145.875,"end":175.255},{"sentences":[{"text":"It's okay.","start":175.255,"end":175.995,"sentiment":"neutral","sentiment_score":0.13217919319868088},{"text":"Yeah.","start":185.67,"end":186.15,"sentiment":"neutral","sentiment_score":0.012289514765143394},{"text":"Absolutely.","start":186.15,"end":186.65,"sentiment":"neutral","sentiment_score":0.02926379255950451},{"text":"Yes.","start":189.91,"end":190.41,"sentiment":"neutral","sentiment_score":0.10370413959026337},{"text":"That's absolutely fine.","start":190.55,"end":191.75,"sentiment":"neutral","sentiment_score":0.16742451985677084}],"sentiment":"neutral","sentiment_score":0.11398617411032319,"num_words":8,"start":175.255,"end":191.75},{"sentences":[{"text":"We'll retain what you have for the moment with the advice scoping at any trauma.","start":191.75,"end":195.93,"sentiment":"neutral","sentiment_score":0.011469984178741772},{"text":"That's not a problem.","start":195.99,"end":197.05,"sentiment":"neutral","sentiment_score":0.16472628340125084},{"text":"I'll retain your life and TPD at the same benefits that they are, and I'll just look at maybe decreasing your income protection in line with what your income is so you're not over insured or paying too much for the insurances.","start":197.41501,"end":208.395,"sentiment":"neutral","sentiment_score":0.04891448179703383},{"text":"Okay?","start":208.855,"end":209.355,"sentiment":"neutral","sentiment_score":0.06853163242340088},{"text":"Fantastic.","start":211.8,"end":212.3,"sentiment":"positive","sentiment_score":0.8365858793258667}],"sentiment":"neutral","sentiment_score":0.06016635942080664,"num_words":63,"start":191.75,"end":212.3},{"sentences":[{"text":"So everything looks really good.","start":214.04,"end":216.04,"sentiment":"positive","sentiment_score":0.782272469997406},{"text":"I'm also gonna go back if you're comfortable with just make sure have a look at your super.","start":216.04,"end":220.12,"sentiment":"neutral","sentiment_score":0.18932044961386257},{"text":"So I can sort of see that there is that Ben along that's underperforming in your super.","start":220.12,"end":224.06,"sentiment":"neutral","sentiment_score":-0.06777001238044571},{"text":"I'd like to, if you're comfortable, just go back, maybe update the advice for you, maybe remove any underperforming investments, and have a look at the portfolios and the investments that you have at the moment and see if there's something better performing that can help with additional growth to your super and work towards your goals.","start":224.445,"end":240.06,"sentiment":"neutral","sentiment_score":0.12965296467014573},{"text":"Are you happy with me reviewing the super and the investments and updating the advice for you as well?","start":240.22,"end":244.8,"sentiment":"neutral","sentiment_score":0.2224048015318419}],"sentiment":"neutral","sentiment_score":0.15330129696441622,"num_words":116,"start":214.04,"end":244.8},{"sentences":[{"text":"Fantastic.","start":247.73999,"end":248.23999,"sentiment":"positive","sentiment_score":0.667422890663147},{"text":"I've never had anyone say no.","start":249.66,"end":251.09999,"sentiment":"neutral","sentiment_score":0.14765543242295584},{"text":"Don't do that.","start":251.09999,"end":252.0,"sentiment":"neutral","sentiment_score":0.009393267333507538},{"text":"I can just sort of see some places where we might be able to make some additional changes for you that might provide greater benefits, so it'd be great to definitely do that for you.","start":254.735,"end":262.735,"sentiment":"positive","sentiment_score":0.44312679852758136},{"text":"Okay?","start":262.735,"end":263.235,"sentiment":"neutral","sentiment_score":0.18585529923439023}],"sentiment":"positive","sentiment_score":0.37558322901959007,"num_words":46,"start":247.73999,"end":263.235},{"sentences":[{"text":"Excellent.","start":266.11002,"end":266.61002,"sentiment":"positive","sentiment_score":0.488561749458313},{"text":"Now having a look at things, you originally noted here that your goal for retirement was at least 67.","start":266.75,"end":272.99002,"sentiment":"neutral","sentiment_score":0.13684484754738055},{"text":"Are you still sort of thinking that for retirement, or are you hoping to maybe retire earlier?","start":272.99002,"end":278.05002,"sentiment":"neutral","sentiment_score":0.04504895823843339},{"text":"So that's the age to apply for age pension through Centrelink if you're eligible to do so.","start":285.185,"end":290.565,"sentiment":"neutral","sentiment_score":0.10328784584999084},{"text":"Under the legislation with your super, if you retire at 60, you can actually access your super fully tax free.","start":291.02502,"end":297.81998,"sentiment":"neutral","sentiment_score":0.1636153556406498}],"sentiment":"neutral","sentiment_score":0.12003576534019934,"num_words":74,"start":266.11002,"end":297.81998},{"sentences":[{"text":"Yeah.","start":301.63998,"end":302.13998,"sentiment":"neutral","sentiment_score":0.05678847432136536},{"text":"Honestly, at 60, the chances are very high.","start":314.615,"end":317.895,"sentiment":"neutral","sentiment_score":-0.05981092946603894},{"text":"I just need to get you super working a bit harder, maybe look at some contributions going in.","start":317.895,"end":322.2,"sentiment":"neutral","sentiment_score":-0.020450495183467865},{"text":"With the advice, I'll look at what we're doing for super and the investments there, but we'll track it over the next ten years because you still have a lot more than ten years ahead of you.","start":322.52002,"end":330.86002,"sentiment":"neutral","sentiment_score":0.09248659427504281},{"text":"And then we can keep updating the advice and keep tracking, but, you know, the projections will outline what we expect to see in the next sort of five to ten years so you can sort of see where you're tracking for currently.","start":331.24002,"end":340.375,"sentiment":"neutral","sentiment_score":0.07564628306169842}],"sentiment":"neutral","sentiment_score":0.054999871823553724,"num_words":107,"start":301.63998,"end":340.375},{"sentences":[{"text":"Yeah.","start":352.93,"end":353.43,"sentiment":"neutral","sentiment_score":0.08504843711853027},{"text":"Oh, wow.","start":357.56998,"end":358.47,"sentiment":"positive","sentiment_score":0.39469200372695923},{"text":"I mean, retiring at 60, it'd be great.","start":358.84998,"end":360.93,"sentiment":"positive","sentiment_score":0.5342330299317837},{"text":"You'd have a lot of living.","start":360.93,"end":362.13,"sentiment":"positive","sentiment_score":0.6364919145901998},{"text":"Your kids would still be young to enjoy the time with you, and you'll be healthy enough to get out there and enjoy your life.","start":362.13,"end":368.16498,"sentiment":"positive","sentiment_score":0.6039374828338623}],"sentiment":"positive","sentiment_score":0.5729925057717732,"num_words":42,"start":352.93,"end":368.16498},{"sentences":[{"text":"Well, absolutely.","start":371.745,"end":376.26,"sentiment":"neutral","sentiment_score":0.20965418219566345},{"text":"Absolutely.","start":376.80002,"end":377.30002,"sentiment":"neutral","sentiment_score":0.2508942484855652},{"text":"We'll leave that one with me, Kieran.","start":377.68,"end":379.04,"sentiment":"neutral","sentiment_score":0.1721953728369304},{"text":"I'll do some research.","start":379.04,"end":380.0,"sentiment":"neutral","sentiment_score":0.1475781574845314},{"text":"In a couple of weeks, I'll come back with an advice document, and we'll go through that together.","start":380.0,"end":383.76,"sentiment":"neutral","sentiment_score":0.14119385969307688}],"sentiment":"neutral","sentiment_score":0.15648038522340357,"num_words":32,"start":371.745,"end":383.76},{"sentences":[{"text":"Okay?","start":383.76,"end":384.26,"sentiment":"neutral","sentiment_score":0.10727928578853609},{"text":"Excellent.","start":386.56,"end":387.06,"sentiment":"positive","sentiment_score":0.5068372488021851},{"text":"Now contributions wise, oh, I'm sorry.","start":387.2,"end":389.805,"sentiment":"neutral","sentiment_score":0.09323481749743223},{"text":"Just before I do move on, in the time that you initially said you wanted to live on about $1,500 per week, is that still your retirement goal income wise?","start":389.805,"end":398.22498,"sentiment":"neutral","sentiment_score":0.03029278271521131},{"text":"Yep.","start":403.74002,"end":404.06,"sentiment":"neutral","sentiment_score":0.17882388830184937}],"sentiment":"neutral","sentiment_score":0.057977764341884695,"num_words":39,"start":383.76,"end":404.06},{"sentences":[{"text":"That's okay.","start":404.06,"end":404.88,"sentiment":"neutral","sentiment_score":0.20330703258514404},{"text":"Yeah.","start":411.9,"end":412.4,"sentiment":"neutral","sentiment_score":0.09542828798294067},{"text":"Yeah.","start":414.395,"end":414.79498,"sentiment":"neutral","sentiment_score":0.18548570573329928},{"text":"Absolutely.","start":414.79498,"end":415.29498,"sentiment":"neutral","sentiment_score":0.2391442060470581},{"text":"No.","start":415.755,"end":415.995,"sentiment":"neutral","sentiment_score":0.1610124707221985}],"sentiment":"neutral","sentiment_score":0.1812807892759641,"num_words":6,"start":404.06,"end":415.995},{"sentences":[{"text":"That's absolutely fine.","start":415.995,"end":417.115,"sentiment":"neutral","sentiment_score":0.29576841990152997},{"text":"So let's track for that now.","start":417.115,"end":418.815,"sentiment":"neutral","sentiment_score":0.3031196544567744},{"text":"Essentially, when you get to retirement, regardless what your super balance is, you'll be able to draw the income that you essentially want.","start":419.275,"end":425.49,"sentiment":"neutral","sentiment_score":0.28941225098526996},{"text":"The main thing is that it depends on your super balance as to how long how it's invested, as to how long that will last.","start":425.72998,"end":432.94998,"sentiment":"neutral","sentiment_score":0.06798376142978668},{"text":"But if you wanted to retire at 60, I'll work on at 60.","start":433.41,"end":436.87,"sentiment":"neutral","sentiment_score":0.05846047200835668}],"sentiment":"neutral","sentiment_score":0.16888693044228212,"num_words":70,"start":415.995,"end":436.87},{"sentences":[{"text":"When you get to that point, we'll work on what you need to live on at that time.","start":437.25,"end":440.845,"sentiment":"neutral","sentiment_score":0.10691270232200623},{"text":"And then when you become eligible for age pension at 67, then we essentially look at the eligibility, what you can get from age pension, and how we can draw less out of your super.","start":440.845,"end":450.625,"sentiment":"neutral","sentiment_score":0.10845546733055796},{"text":"And that's how we get a bit of longevity.","start":450.765,"end":452.625,"sentiment":"neutral","sentiment_score":0.23037879996829563},{"text":"We do combinations of super and age pension.","start":452.88,"end":455.6,"sentiment":"neutral","sentiment_score":0.1761035369709134},{"text":"If you've got investments outside of super, we look at combining that for you as well.","start":455.6,"end":459.44,"sentiment":"neutral","sentiment_score":0.164524017367512}],"sentiment":"neutral","sentiment_score":0.13761618339218373,"num_words":86,"start":437.25,"end":459.44},{"sentences":[{"text":"So it's just about looking at what you've got available to you, how to draw the income, and making sure you get as much longevity out of it as possible while still being able to live.","start":459.44,"end":468.855,"sentiment":"neutral","sentiment_score":0.23678715940978792},{"text":"Yeah.","start":472.215,"end":472.715,"sentiment":"positive","sentiment_score":0.5908769369125366},{"text":"Excellent.","start":473.89502,"end":474.39502,"sentiment":"positive","sentiment_score":0.6772347688674927},{"text":"Contributions wise for the advice, how much is there a certain amount that you're comfortable maybe contributing to start with, noting that you are 45 this year.","start":475.095,"end":484.94998,"sentiment":"neutral","sentiment_score":0.2742563370201323},{"text":"So, realistically, you can start with a lower amount.","start":484.94998,"end":488.78998,"sentiment":"neutral","sentiment_score":0.20642309387524924}],"sentiment":"neutral","sentiment_score":0.25750241066152985,"num_words":74,"start":459.44,"end":488.78998},{"sentences":[{"text":"You've got more than ten years.","start":488.78998,"end":490.06998,"sentiment":"neutral","sentiment_score":0.21663312117258707},{"text":"We can start with a smaller contribution amount, see how that goes, and then build that up over time for the compounding effect.","start":490.06998,"end":497.025,"sentiment":"neutral","sentiment_score":0.3100008964538574},{"text":"Is there an amount you're comfortable with, or did you want us to tell you what you need to do?","start":497.26498,"end":501.26498,"sentiment":"neutral","sentiment_score":0.10761191882193089},{"text":"What's what where you where's your comfort level?","start":501.26498,"end":504.32498,"sentiment":"neutral","sentiment_score":0.019747874583117664},{"text":"A $100 a week.","start":510.0,"end":511.2,"sentiment":"neutral","sentiment_score":0.11941291019320488}],"sentiment":"neutral","sentiment_score":0.18389659605492822,"num_words":61,"start":488.78998,"end":511.2},{"sentences":[{"text":"Beautiful.","start":511.2,"end":511.68002,"sentiment":"positive","sentiment_score":0.6650522947311401},{"text":"Let's start with that one.","start":511.68002,"end":513.12,"sentiment":"neutral","sentiment_score":0.2944242268800735},{"text":"I'll show you how that works as part of the advice, the advantages, the disadvantages, the risks involved in the projected cycle with that, and then we can always talk about it if you feel like you need to adjust that, and we'll review it with you regularly each year as well.","start":513.12,"end":526.35504,"sentiment":"neutral","sentiment_score":0.17005033499131408},{"text":"Okay?","start":526.575,"end":527.075,"sentiment":"neutral","sentiment_score":0.0966021493077278},{"text":"Really?","start":534.03,"end":534.53,"sentiment":"neutral","sentiment_score":-0.06883686780929565}],"sentiment":"neutral","sentiment_score":0.18345926883630453,"num_words":60,"start":511.2,"end":534.53},{"sentences":[{"text":"Wow.","start":534.75,"end":535.25,"sentiment":"neutral","sentiment_score":-0.14767229557037354},{"text":"I mean, that's horrible.","start":545.71,"end":547.395,"sentiment":"negative","sentiment_score":-0.6196606606245041},{"text":"I can see there has been some deposits from the ATO.","start":547.535,"end":550.355,"sentiment":"neutral","sentiment_score":-0.207536289637739},{"text":"So from the twenty fifth of the sixth this year, there was that $500 deposit there.","start":552.65497,"end":558.175,"sentiment":"neutral","sentiment_score":-0.13601881824433804},{"text":"So it looks like some money has been streaming through, but there was no.","start":558.175,"end":568.38,"sentiment":"neutral","sentiment_score":-0.15958119928836823}],"sentiment":"neutral","sentiment_score":-0.20260113056587137,"num_words":46,"start":534.75,"end":568.38},{"sentences":[{"text":"No.","start":568.44,"end":568.75995,"sentiment":"neutral","sentiment_score":-0.3261762857437134},{"text":"And it looks like there was another ATO deposit on the third or the second.","start":568.75995,"end":572.355,"sentiment":"neutral","sentiment_score":-0.19508590002854664},{"text":"So it looks like maybe they have been collecting some owed superannuation or there has been some that's been paid to them.","start":572.595,"end":580.115,"sentiment":"neutral","sentiment_score":-0.27301500805399637},{"text":"I do know when you work for someone as an employee, they have to essentially declare how much super you were owed and whether it was paid.","start":580.115,"end":588.37,"sentiment":"neutral","sentiment_score":-0.07304458016598667},{"text":"So if they haven't paid that super to you, the ATO will need to collect that, and the employer will be penalized for not paying it.","start":588.37,"end":595.89,"sentiment":"negative","sentiment_score":-0.3556504278228833}],"sentiment":"neutral","sentiment_score":-0.2250319752883125,"num_words":91,"start":568.44,"end":595.89},{"sentences":[{"text":"So, hopefully, that comes through.","start":595.89,"end":603.22504,"sentiment":"neutral","sentiment_score":-0.09746140763163566},{"text":"Right.","start":603.22504,"end":603.72504,"sentiment":"neutral","sentiment_score":-0.04898981750011444},{"text":"Yeah.","start":603.78503,"end":604.28503,"sentiment":"neutral","sentiment_score":-0.07346120476722717},{"text":"Yeah.","start":609.305,"end":609.805,"sentiment":"neutral","sentiment_score":-0.07992611825466156},{"text":"Oh, no.","start":616.36,"end":617.01996,"sentiment":"neutral","sentiment_score":-0.2946619465947151}],"sentiment":"neutral","sentiment_score":-0.12790080718696117,"num_words":10,"start":595.89,"end":617.01996},{"sentences":[{"text":"Well, you should definitely declare that.","start":637.43,"end":639.35,"sentiment":"neutral","sentiment_score":0.13739840934673944},{"text":"So speak to your accountant and get them to lodge the request with the ACO and get them to go back and try and claim the funds for you because, realistically, that's if you've done the work, that's your money.","start":639.35,"end":649.73505,"sentiment":"neutral","sentiment_score":0.13143856059759856},{"text":"You should absolutely be paid it.","start":649.73505,"end":651.43506,"sentiment":"positive","sentiment_score":0.5242835332949957},{"text":"So I would when your accountant does your tax return, tell them how much you are owed in the background and see if they can lodge something.","start":651.97504,"end":659.815,"sentiment":"neutral","sentiment_score":0.20854759381877053},{"text":"They should be able to lodge a request with the ATO.","start":659.815,"end":662.135,"sentiment":"neutral","sentiment_score":0.21251525526696985}],"sentiment":"neutral","sentiment_score":0.19106763245330916,"num_words":90,"start":637.43,"end":662.135},{"sentences":[{"text":"They should have access to the ATO's portal to do so and see if the ATO can, you know, claim all that back for you.","start":662.135,"end":668.44,"sentiment":"neutral","sentiment_score":0.24552060842514037},{"text":"It might take time, but they should be able to go ahead and do that because, realistically, you did the work.","start":668.44,"end":673.96,"sentiment":"neutral","sentiment_score":0.19614165134373165},{"text":"You just have the money.","start":673.96,"end":675.18,"sentiment":"neutral","sentiment_score":0.12382660657167435},{"text":"Yeah.","start":679.09503,"end":679.415,"sentiment":"neutral","sentiment_score":0.13038676977157593},{"text":"Absolutely.","start":679.415,"end":679.915,"sentiment":"neutral","sentiment_score":0.249943345785141}],"sentiment":"neutral","sentiment_score":0.21238590636343327,"num_words":53,"start":662.135,"end":679.915},{"sentences":[{"text":"I'll look at a $100 per week contributions wise.","start":681.255,"end":683.895,"sentiment":"neutral","sentiment_score":0.12068968597385618},{"text":"Are you finding that you're able to put sort of savings away out of your income at the moment, or are you sort of finding everything going towards your expenses with you being self employed and everything?","start":683.895,"end":693.64,"sentiment":"neutral","sentiment_score":0.041902118437999},{"text":"Of course.","start":701.315,"end":702.055,"sentiment":"neutral","sentiment_score":-0.047555478289723396},{"text":"School holidays.","start":704.115,"end":705.015,"sentiment":"neutral","sentiment_score":-0.09179043024778366},{"text":"Absolute I mean, Christmas, we'd all be dead broke.","start":710.03503,"end":712.85504,"sentiment":"negative","sentiment_score":-0.37333501709832084}],"sentiment":"neutral","sentiment_score":-0.016985108728631067,"num_words":59,"start":681.255,"end":712.85504},{"sentences":[{"text":"Yeah.","start":716.51996,"end":716.92,"sentiment":"neutral","sentiment_score":0.06542612612247467},{"text":"That's okay.","start":716.92,"end":717.81995,"sentiment":"neutral","sentiment_score":0.12040288373827934},{"text":"About three weeks ago, how much were you able to sort of put away prior to school holidays?","start":718.19995,"end":722.38,"sentiment":"neutral","sentiment_score":-0.011328173697822623},{"text":"Okay.","start":729.255,"end":729.755,"sentiment":"neutral","sentiment_score":-0.007320888340473175},{"text":"Yeah.","start":733.415,"end":733.915,"sentiment":"neutral","sentiment_score":0.019686387851834297}],"sentiment":"neutral","sentiment_score":0.004986533328242924,"num_words":23,"start":716.51996,"end":733.915},{"sentences":[{"text":"Absolutely.","start":747.11,"end":747.61,"sentiment":"positive","sentiment_score":0.5169526934623718},{"text":"Beautiful.","start":747.75,"end":748.25,"sentiment":"positive","sentiment_score":0.6899858117103577},{"text":"Oh, fantastic.","start":753.28503,"end":754.34503,"sentiment":"positive","sentiment_score":0.6470133066177368},{"text":"When do you wanna go?","start":754.645,"end":755.765,"sentiment":"neutral","sentiment_score":0.16784008592367172},{"text":"When's your goal to head over to Ireland?","start":755.765,"end":757.78503,"sentiment":"neutral","sentiment_score":0.11094534955918789}],"sentiment":"neutral","sentiment_score":0.24868990261765087,"num_words":17,"start":747.11,"end":757.78503},{"sentences":[{"text":"Yeah.","start":765.86,"end":766.36,"sentiment":"neutral","sentiment_score":0.02015574462711811},{"text":"Yeah.","start":767.3,"end":767.8,"sentiment":"neutral","sentiment_score":0.018260858952999115},{"text":"And how much do you think you'll need to save to kinda get that trip going?","start":768.01996,"end":771.72,"sentiment":"neutral","sentiment_score":0.014009699109010398},{"text":"20,000.","start":773.94,"end":774.81995,"sentiment":"neutral","sentiment_score":0.00501241534948349},{"text":"So what that a guy needs to pay you would basically cover all that.","start":774.81995,"end":778.44,"sentiment":"neutral","sentiment_score":0.005088749142097575}],"sentiment":"neutral","sentiment_score":0.010267475535246458,"num_words":33,"start":765.86,"end":778.44},{"sentences":[{"text":"No.","start":781.485,"end":781.725,"sentiment":"neutral","sentiment_score":0.10648413747549056},{"text":"All good.","start":781.725,"end":782.125,"sentiment":"neutral","sentiment_score":0.22760361433029175},{"text":"Look.","start":782.125,"end":782.285,"sentiment":"positive","sentiment_score":0.39416036009788513},{"text":"That sounds like an amazing trip.","start":782.285,"end":783.725,"sentiment":"positive","sentiment_score":0.7442966600259145},{"text":"Have the kids been to Ireland before?","start":783.725,"end":785.505,"sentiment":"neutral","sentiment_score":0.2439195705311639}],"sentiment":"positive","sentiment_score":0.4193569811827996,"num_words":17,"start":781.485,"end":785.505},{"sentences":[{"text":"Yeah.","start":788.52496,"end":789.02496,"sentiment":"positive","sentiment_score":0.34920281171798706},{"text":"Oh, that'll honestly be amazing and such amazing family memories.","start":789.725,"end":793.31,"sentiment":"positive","sentiment_score":0.711755883693695},{"text":"Look.","start":793.37,"end":793.61,"sentiment":"neutral","sentiment_score":0.19834893941879272},{"text":"I've got older kids.","start":793.61,"end":794.75,"sentiment":"neutral","sentiment_score":0.15615924447774887},{"text":"I've got three.","start":794.88995,"end":795.61,"sentiment":"neutral","sentiment_score":0.10237295925617218}],"sentiment":"positive","sentiment_score":0.4524666549343812,"num_words":19,"start":788.52496,"end":795.61},{"sentences":[{"text":"So one's 10.","start":795.61,"end":796.32996,"sentiment":"neutral","sentiment_score":0.07012747849027316},{"text":"The others are 19 and 20.","start":796.32996,"end":797.85,"sentiment":"neutral","sentiment_score":0.04244358651340008},{"text":"And you don't get this time back.","start":797.85,"end":799.69,"sentiment":"neutral","sentiment_score":0.11143444691385541},{"text":"I definitely cherish them being so young.","start":799.69,"end":803.47,"sentiment":"positive","sentiment_score":0.45381902371134075},{"text":"So and they're at fun ages where you get to enjoy them and have fun.","start":803.69,"end":807.70996,"sentiment":"neutral","sentiment_score":0.3293487548828125}],"sentiment":"neutral","sentiment_score":0.24636972558341527,"num_words":38,"start":795.61,"end":807.70996},{"sentences":[{"text":"All good.","start":811.33496,"end":811.815,"sentiment":"positive","sentiment_score":0.3547630161046982},{"text":"And just running through your assets and liabilities I have here.","start":811.815,"end":814.615,"sentiment":"neutral","sentiment_score":0.04252175597304648},{"text":"Now you had your savings sitting around 2,000 sorry.","start":814.615,"end":818.295,"sentiment":"neutral","sentiment_score":-0.0031609825996889006},{"text":"260,000.","start":818.295,"end":819.755,"sentiment":"neutral","sentiment_score":-0.004266135394573212},{"text":"Do you still have that much in savings?","start":820.10004,"end":821.86005,"sentiment":"neutral","sentiment_score":-0.025596463587135077}],"sentiment":"neutral","sentiment_score":0.03031544065884044,"num_words":31,"start":811.33496,"end":821.86005},{"sentences":[{"text":"Has that decreased or increased a little bit?","start":821.86005,"end":824.28,"sentiment":"neutral","sentiment_score":-0.03962569800205529},{"text":"Okay.","start":829.7,"end":830.2,"sentiment":"neutral","sentiment_score":-0.01095525175333023},{"text":"100 and 60,000.","start":830.42004,"end":832.04004,"sentiment":"neutral","sentiment_score":-0.0064277127385139465},{"text":"You've put the money into, like, shares or something?","start":839.825,"end":841.985,"sentiment":"neutral","sentiment_score":-0.008250342061122259},{"text":"Or oh, car.","start":841.985,"end":847.7,"sentiment":"neutral","sentiment_score":-0.009963314048945904}],"sentiment":"neutral","sentiment_score":-0.01880779144509385,"num_words":24,"start":821.86005,"end":847.7},{"sentences":[{"text":"Yep.","start":848.88,"end":849.2,"sentiment":"neutral","sentiment_score":0.01113635953515768},{"text":"Was that the work truck that I have noted here?","start":849.2,"end":851.94,"sentiment":"neutral","sentiment_score":-0.0045575446914881464},{"text":"That's okay.","start":857.935,"end":858.67505,"sentiment":"neutral","sentiment_score":0.006105288513936102},{"text":"Yep.","start":862.73505,"end":863.23505,"sentiment":"neutral","sentiment_score":0.021187542006373405},{"text":"Okay.","start":867.455,"end":867.85504,"sentiment":"neutral","sentiment_score":0.1425568461418152}],"sentiment":"neutral","sentiment_score":0.009434391853089136,"num_words":15,"start":848.88,"end":867.85504},{"sentences":[{"text":"Beautiful.","start":867.85504,"end":868.35504,"sentiment":"neutral","sentiment_score":0.26273098587989807},{"text":"So the work truck is 60,000 there.","start":868.495,"end":870.575,"sentiment":"neutral","sentiment_score":0.04799702923212733},{"text":"And what sort of what sort of value would you put on the new vehicle?","start":870.575,"end":874.63995,"sentiment":"neutral","sentiment_score":0.008634597435593605},{"text":"30,000?","start":877.33997,"end":878.06,"sentiment":"neutral","sentiment_score":0.005206219851970673},{"text":"What kind of what kind of vehicle is it?","start":878.06,"end":880.07996,"sentiment":"neutral","sentiment_score":-0.02966572665092018}],"sentiment":"neutral","sentiment_score":0.014134661576738863,"num_words":33,"start":867.85504,"end":880.07996},{"sentences":[{"text":"Oh, fantastic.","start":882.86,"end":883.68,"sentiment":"positive","sentiment_score":0.7894848883152008},{"text":"Lovely.","start":885.71497,"end":886.115,"sentiment":"positive","sentiment_score":0.7576901316642761},{"text":"And the work truck that you had valued at $60, what sort of vehicle is that?","start":886.115,"end":890.535,"sentiment":"neutral","sentiment_score":0.10608043184038252},{"text":"Land Cruiser.","start":893.95496,"end":894.695,"sentiment":"neutral","sentiment_score":0.1418103203177452},{"text":"Beautiful.","start":894.995,"end":895.495,"sentiment":"positive","sentiment_score":0.6600732207298279}],"sentiment":"neutral","sentiment_score":0.22625639450482346,"num_words":22,"start":882.86,"end":895.495},{"sentences":[{"text":"And then I also had another motor vehicle here as well with a value of about 20,000.","start":896.85,"end":901.33,"sentiment":"neutral","sentiment_score":0.1449646599152509},{"text":"Do you have a third vehicle there as well?","start":901.33,"end":903.51,"sentiment":"neutral","sentiment_score":0.026729280336035624},{"text":"Hi, Karen.","start":909.425,"end":910.22504,"sentiment":"neutral","sentiment_score":0.004222276620566845},{"text":"Can you hear me?","start":910.22504,"end":911.205,"sentiment":"neutral","sentiment_score":-0.07721261121332645},{"text":"Hello, Karen?","start":919.34503,"end":920.245,"sentiment":"neutral","sentiment_score":-0.034150103107094765}],"sentiment":"neutral","sentiment_score":0.06871343069874189,"num_words":34,"start":896.85,"end":920.245},{"sentences":[{"text":"Hello, Karen.","start":951.63,"end":952.35,"sentiment":"neutral","sentiment_score":-0.02818036638200283},{"text":"Can you hear me at all?","start":952.35,"end":953.57,"sentiment":"neutral","sentiment_score":-0.1256172942618529}],"sentiment":"neutral","sentiment_score":-0.10125806229189038,"num_words":8,"start":951.63,"end":953.57}]}}]},{"alternatives":[{"transcript":"Hello? Can you hear me? Yeah. I don't know what happened. She's at That's a shit. I I've I've been over five minutes anyway. I'll be able to pick up this one properly then. So what's that? It's permanently can't work, is it? Or I'd still be able to claim on my income protection then as well, would I? Yeah. So it should it should be alright then. If I keep on claiming on both, I'm sure it should be fine. Shouldn't I I I I I think I'm probably happy with the cover I have at the minute. And and if if I do go down the road of if I if I manage to get another property or a mortgage mortgage up, I might look at something like that then. But but at the minute, I've got I've got money in the bank. That's all it's I've got Yes. So you don't Yes. Perfect. Yes. Definitely. Yeah. K. Good. I I I thought that edge was for I need to pull pull the lenses. Alright. Yeah. But yeah. But they said it's a retiree or it it it it would it would definitely be better. It's but I suppose I bought a 128,000 in my Superdough. Bought out of chances of me to retire early. Yeah. Cool. Because I suppose when I am 60, I'm I'm sure my youngest, she like when I'm 60, she long because what? She's six now. 15 years. She she she'll only be 20, 21. Yeah. Yeah. It'd be good it'd be good to answer them, however it pans out. Yeah. Good. Yeah. That that that that would be great. It it it it sounds like it it sounds like a lot too. But I suppose because the kids are still being so young, I'd probably want to have that kind of a back in here. Yeah. Cool. Sounds sounds good. So I wouldn't mind trying to drop a $100 a week or something like that into it. Yeah. Yeah. And I I I was working for a guy there for for for for for a while, and he he actually owes me $20,000 in super. Yeah. But you know, I know he doesn't have money. He doesn't think he is. It doesn't it doesn't say who that came from, though, does it? Yeah. No. It was no. It it it it it was actually just part of the because I'm ABN, and they they become liable for for for me because it was part of the deal anyway. Like, it was what was agreed on, but then he he was unfortunately, he was a mate of mine, and he couldn't he he when when he came in the end of the year, if he paid out to me, he couldn't bankroll his next job. And he said he can get me the next payment. Yeah. And that's that happened. One or two jobs, and that was kinda the end of that. So I'm I'm not too sure whether I'm ever gonna see it or not. Yeah. I I'll I'll look into it. Alright? And if you ask me that question for a week, Scott, I would have said, no. I'm putting the visual here, and then I have screw holders. It's gone again. That's it. It depends on what time of the year you're asking to push. Yeah. Yeah. Right. Fine. Normally, I always try to put put two or 300 away a week for the for for the rainy days. But I'd like I'd like for school holidays and that, then I just take take all the time off because, like, there's still only little. So I just take the time off and instead of paying somebody else to do mine. And I'm also also trying to save for trips to Ireland. And I'm hoping in the next two years, because the little one is she won't remember at six, but she remembers at eight, maybe. Around $20. Pretty much. Yeah. And the two others have. That's it. No. It's definitely decreased. It's around a 160,000 now. But I think I I have assets, I suppose, instead, what you call it. Well, it I had to get a new car for work, so I I bought that thousand. No. No. That's a that that's a different one. So so they I I still have that one as well. Like, I still have that. That's that's probably done open value. That's probably around work from 60,000. I'd be around 30,000. And a Ford Everest. Yeah. 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Can you hear me? Yeah. I don't know what happened. She's at That's a shit.\n\nI I've I've been over five minutes anyway. I'll be able to pick up this one properly then. So what's that? It's permanently can't work, is it? Or I'd still be able to claim on my income protection then as well, would I?\n\nYeah. So it should it should be alright then. If I keep on claiming on both, I'm sure it should be fine. Shouldn't I I I I I think I'm probably happy with the cover I have at the minute. And and if if I do go down the road of if I if I manage to get another property or a mortgage mortgage up, I might look at something like that then.\n\nBut but at the minute, I've got I've got money in the bank. That's all it's I've got Yes. So you don't Yes. Perfect. Yes.\n\nDefinitely. Yeah. K. Good. I I I thought that edge was for I need to pull pull the lenses.\n\nAlright. Yeah. But yeah. But they said it's a retiree or it it it it would it would definitely be better. It's but I suppose I bought a 128,000 in my Superdough.\n\nBought out of chances of me to retire early. Yeah. Cool. Because I suppose when I am 60, I'm I'm sure my youngest, she like when I'm 60, she long because what? She's six now.\n\n15 years. She she she'll only be 20, 21. Yeah. Yeah. It'd be good it'd be good to answer them, however it pans out.\n\nYeah. Good. Yeah. That that that that would be great. It it it it sounds like it it sounds like a lot too.\n\nBut I suppose because the kids are still being so young, I'd probably want to have that kind of a back in here. Yeah. Cool. Sounds sounds good. So I wouldn't mind trying to drop a $100 a week or something like that into it.\n\nYeah. Yeah. And I I I was working for a guy there for for for for for a while, and he he actually owes me $20,000 in super. Yeah. But you know, I know he doesn't have money.\n\nHe doesn't think he is. It doesn't it doesn't say who that came from, though, does it? Yeah. No. It was no.\n\nIt it it it it was actually just part of the because I'm ABN, and they they become liable for for for me because it was part of the deal anyway. Like, it was what was agreed on, but then he he was unfortunately, he was a mate of mine, and he couldn't he he when when he came in the end of the year, if he paid out to me, he couldn't bankroll his next job. And he said he can get me the next payment. Yeah. And that's that happened.\n\nOne or two jobs, and that was kinda the end of that. So I'm I'm not too sure whether I'm ever gonna see it or not. Yeah. I I'll I'll look into it. Alright?\n\nAnd if you ask me that question for a week, Scott, I would have said, no. I'm putting the visual here, and then I have screw holders. It's gone again. That's it. It depends on what time of the year you're asking to push.\n\nYeah. Yeah. Right. Fine. Normally, I always try to put put two or 300 away a week for the for for the rainy days.\n\nBut I'd like I'd like for school holidays and that, then I just take take all the time off because, like, there's still only little. So I just take the time off and instead of paying somebody else to do mine. And I'm also also trying to save for trips to Ireland. And I'm hoping in the next two years, because the little one is she won't remember at six, but she remembers at eight, maybe. Around $20.\n\nPretty much. Yeah. And the two others have. That's it. No.\n\nIt's definitely decreased. It's around a 160,000 now. But I think I I have assets, I suppose, instead, what you call it. Well, it I had to get a new car for work, so I I bought that thousand. No.\n\nNo. That's a that that's a different one. So so they I I still have that one as well. Like, I still have that. That's that's probably done open value.\n\nThat's probably around work from 60,000. I'd be around 30,000. And a Ford Everest. 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lenses.","start":280.95,"end":284.09,"sentiment":"neutral","sentiment_score":0.010087667653958002}],"sentiment":"neutral","sentiment_score":0.07334281170838758,"num_words":19,"start":246.07501,"end":284.09},{"sentences":[{"text":"Alright.","start":301.895,"end":302.135,"sentiment":"neutral","sentiment_score":0.06493449211120605},{"text":"Yeah.","start":302.135,"end":302.375,"sentiment":"neutral","sentiment_score":0.04880577698349953},{"text":"But yeah.","start":302.375,"end":303.01498,"sentiment":"neutral","sentiment_score":0.027304572984576225},{"text":"But they said it's a retiree or it it it it would it would definitely be better.","start":303.01498,"end":306.615,"sentiment":"neutral","sentiment_score":0.052279347225147134},{"text":"It's but I suppose I bought a 128,000 in my Superdough.","start":306.615,"end":311.28998,"sentiment":"neutral","sentiment_score":-0.0028308904306455092}],"sentiment":"neutral","sentiment_score":0.032061203848570585,"num_words":32,"start":301.895,"end":311.28998},{"sentences":[{"text":"Bought out of chances of me to retire early.","start":311.50998,"end":314.00998,"sentiment":"neutral","sentiment_score":-0.13299129406611124},{"text":"Yeah.","start":342.24,"end":342.72,"sentiment":"neutral","sentiment_score":0.20994886755943296},{"text":"Cool.","start":342.72,"end":343.04,"sentiment":"neutral","sentiment_score":0.32283836603164673},{"text":"Because I suppose when I am 60, I'm I'm sure my youngest, she like when I'm 60, she long because what?","start":343.04,"end":351.095,"sentiment":"neutral","sentiment_score":0.15675022594985508},{"text":"She's six now.","start":351.095,"end":352.155,"sentiment":"neutral","sentiment_score":0.06699277460575104}],"sentiment":"neutral","sentiment_score":0.08081710445029396,"num_words":35,"start":311.50998,"end":352.155},{"sentences":[{"text":"15 years.","start":353.095,"end":354.075,"sentiment":"neutral","sentiment_score":0.0890720933675766},{"text":"She she she'll only be 20, 21.","start":354.61502,"end":356.95502,"sentiment":"neutral","sentiment_score":0.10203017933028084},{"text":"Yeah.","start":369.27,"end":369.77,"sentiment":"neutral","sentiment_score":0.2374952733516693},{"text":"Yeah.","start":370.965,"end":371.285,"sentiment":"neutral","sentiment_score":0.22980555891990664},{"text":"It'd be good it'd be good to answer them, however it pans out.","start":371.285,"end":376.265,"sentiment":"neutral","sentiment_score":0.18124061536330444}],"sentiment":"neutral","sentiment_score":0.15482434475173554,"num_words":24,"start":353.095,"end":376.265},{"sentences":[{"text":"Yeah.","start":385.125,"end":385.445,"sentiment":"neutral","sentiment_score":0.2071862071752548},{"text":"Good.","start":385.445,"end":385.945,"sentiment":"positive","sentiment_score":0.4831072986125946},{"text":"Yeah.","start":400.44498,"end":400.60498,"sentiment":"neutral","sentiment_score":0.15807369351387024},{"text":"That that that that would be great.","start":400.60498,"end":402.44498,"sentiment":"positive","sentiment_score":0.33629425508635385},{"text":"It it it it sounds like it it sounds like a lot too.","start":402.44498,"end":407.485,"sentiment":"neutral","sentiment_score":0.14852946538191575}],"sentiment":"neutral","sentiment_score":0.22318739282048267,"num_words":23,"start":385.125,"end":407.485},{"sentences":[{"text":"But I suppose because the kids are still being so young, I'd probably want to have that kind of a back in here.","start":407.485,"end":413.985,"sentiment":"neutral","sentiment_score":0.0849250953482545},{"text":"Yeah.","start":470.89,"end":471.13,"sentiment":"positive","sentiment_score":0.36180201172828674},{"text":"Cool.","start":471.13,"end":471.63,"sentiment":"positive","sentiment_score":0.5421848297119141},{"text":"Sounds sounds good.","start":471.93002,"end":473.15002,"sentiment":"positive","sentiment_score":0.6270827253659567},{"text":"So I wouldn't mind trying to drop a $100 a week or something like that into it.","start":506.53,"end":510.15,"sentiment":"neutral","sentiment_score":0.05922879191005931}],"sentiment":"neutral","sentiment_score":0.12767559273375406,"num_words":45,"start":407.485,"end":510.15},{"sentences":[{"text":"Yeah.","start":527.70996,"end":528.18994,"sentiment":"neutral","sentiment_score":0.09406507760286333},{"text":"Yeah.","start":528.18994,"end":528.67,"sentiment":"neutral","sentiment_score":-0.0029027156997472048},{"text":"And I I I was working for a guy there for for for for for a while, and he he actually owes me $20,000 in super.","start":528.67,"end":536.76996,"sentiment":"neutral","sentiment_score":-0.04849821587021534},{"text":"Yeah.","start":538.83,"end":539.33,"sentiment":"neutral","sentiment_score":-0.08643104881048203},{"text":"But you know, I know he doesn't have money.","start":539.47,"end":543.85504,"sentiment":"negative","sentiment_score":-0.3865313149160809}],"sentiment":"neutral","sentiment_score":-0.12460537194151823,"num_words":38,"start":527.70996,"end":543.85504},{"sentences":[{"text":"He doesn't think he is.","start":545.35504,"end":546.575,"sentiment":"negative","sentiment_score":-0.5252448081970215},{"text":"It doesn't it doesn't say who that came from, though, does it?","start":564.56995,"end":567.23,"sentiment":"neutral","sentiment_score":-0.23786377906799316},{"text":"Yeah.","start":597.10004,"end":597.58,"sentiment":"neutral","sentiment_score":-0.03412182256579399},{"text":"No.","start":597.58,"end":597.9,"sentiment":"neutral","sentiment_score":-0.1739242672920227},{"text":"It was no.","start":597.9,"end":598.7,"sentiment":"neutral","sentiment_score":-0.1966542750597}],"sentiment":"neutral","sentiment_score":-0.2853908320380883,"num_words":22,"start":545.35504,"end":598.7},{"sentences":[{"text":"It it it it it was actually just part of the because I'm ABN, and they they become liable for for for me because it was part of the deal anyway.","start":598.7,"end":608.065,"sentiment":"neutral","sentiment_score":-0.1423793527628145},{"text":"Like, it was what was agreed on, but then he he was unfortunately, he was a mate of mine, and he couldn't he he when when he came in the end of the year, if he paid out to me, he couldn't bankroll his next job.","start":608.065,"end":624.82,"sentiment":"neutral","sentiment_score":-0.28407101041596866},{"text":"And he said he can get me the next payment.","start":626.56,"end":629.12,"sentiment":"negative","sentiment_score":-0.3565569370985031},{"text":"Yeah.","start":629.12,"end":629.36,"sentiment":"neutral","sentiment_score":-0.15643766522407532},{"text":"And that's that happened.","start":629.36,"end":630.5,"sentiment":"neutral","sentiment_score":-0.19980327039957047}],"sentiment":"neutral","sentiment_score":-0.23915485361509997,"num_words":92,"start":598.7,"end":630.5},{"sentences":[{"text":"One or two jobs, and that was kinda the end of that.","start":630.915,"end":633.635,"sentiment":"neutral","sentiment_score":-0.2918798439204693},{"text":"So I'm I'm not too sure whether I'm ever gonna see it or not.","start":633.635,"end":636.855,"sentiment":"neutral","sentiment_score":-0.3150102528078215},{"text":"Yeah.","start":676.2,"end":676.60004,"sentiment":"neutral","sentiment_score":0.08739753067493439},{"text":"I I'll I'll look into it.","start":676.60004,"end":677.88,"sentiment":"neutral","sentiment_score":0.08535134792327881},{"text":"Alright?","start":677.88,"end":678.38,"sentiment":"neutral","sentiment_score":0.07938733696937561}],"sentiment":"neutral","sentiment_score":-0.21275907974032796,"num_words":34,"start":630.915,"end":678.38},{"sentences":[{"text":"And if you ask me that question for a week, Scott, I would have said, no.","start":695.35504,"end":697.755,"sentiment":"neutral","sentiment_score":-0.029687298403587192},{"text":"I'm putting the visual here, and then I have screw holders.","start":697.755,"end":699.935,"sentiment":"neutral","sentiment_score":-0.0850990458645604},{"text":"It's gone again.","start":700.47504,"end":701.455,"sentiment":"neutral","sentiment_score":-0.22645526130994162},{"text":"That's it.","start":706.21,"end":706.69,"sentiment":"neutral","sentiment_score":-0.0668354220688343},{"text":"It depends on what time of the year you're asking to push.","start":706.69,"end":709.51,"sentiment":"neutral","sentiment_score":-0.07726975250989199}],"sentiment":"neutral","sentiment_score":-0.07162181675349447,"num_words":44,"start":695.35504,"end":709.51},{"sentences":[{"text":"Yeah.","start":713.97,"end":714.29,"sentiment":"neutral","sentiment_score":-0.00787469744682312},{"text":"Yeah.","start":714.29,"end":714.69,"sentiment":"neutral","sentiment_score":0.002844950184226036},{"text":"Right.","start":714.69,"end":715.19,"sentiment":"neutral","sentiment_score":0.03230568766593933},{"text":"Fine.","start":718.305,"end":718.805,"sentiment":"neutral","sentiment_score":0.07368110120296478},{"text":"Normally, I always try to put put two or 300 away a week for the for for the rainy days.","start":724.065,"end":732.485,"sentiment":"neutral","sentiment_score":-0.020098823681473733}],"sentiment":"neutral","sentiment_score":-0.01254247633429865,"num_words":24,"start":713.97,"end":732.485},{"sentences":[{"text":"But I'd like I'd like for school holidays and that, then I just take take all the time off because, like, there's still only little.","start":733.42,"end":738.86,"sentiment":"neutral","sentiment_score":0.016975943446159363},{"text":"So I just take the time off and instead of paying somebody else to do mine.","start":738.86,"end":742.06,"sentiment":"neutral","sentiment_score":0.034764067037031054},{"text":"And I'm also also trying to save for trips to Ireland.","start":742.06,"end":751.505,"sentiment":"neutral","sentiment_score":0.30888836085796356},{"text":"And I'm hoping in the next two years, because the little one is she won't remember at six, but she remembers at eight, maybe.","start":758.35,"end":766.44995,"sentiment":"neutral","sentiment_score":0.04724144089656571},{"text":"Around $20.","start":770.765,"end":773.265,"sentiment":"neutral","sentiment_score":0.004915100638754666}],"sentiment":"neutral","sentiment_score":0.07079513347409187,"num_words":78,"start":733.42,"end":773.265},{"sentences":[{"text":"Pretty much.","start":779.085,"end":779.725,"sentiment":"neutral","sentiment_score":0.12898094952106476},{"text":"Yeah.","start":779.725,"end":780.225,"sentiment":"neutral","sentiment_score":0.06918296217918396},{"text":"And the two others have.","start":786.03,"end":787.65,"sentiment":"neutral","sentiment_score":0.11851775050163268},{"text":"That's it.","start":808.185,"end":809.005,"sentiment":"neutral","sentiment_score":0.17024482041597366},{"text":"No.","start":825.65,"end":825.81,"sentiment":"neutral","sentiment_score":-0.08629317581653595}],"sentiment":"neutral","sentiment_score":0.1067209162495353,"num_words":11,"start":779.085,"end":825.81},{"sentences":[{"text":"It's definitely decreased.","start":825.81,"end":826.85004,"sentiment":"neutral","sentiment_score":-0.08326834440231323},{"text":"It's around a 160,000 now.","start":826.85004,"end":830.605,"sentiment":"neutral","sentiment_score":-0.02861821502447128},{"text":"But I think I I have assets, I suppose, instead, what you call it.","start":830.665,"end":837.645,"sentiment":"neutral","sentiment_score":-0.01690825800012265},{"text":"Well, it I had to get a new car for work, so I I bought that thousand.","start":842.75,"end":847.89,"sentiment":"neutral","sentiment_score":-0.01961626172723139},{"text":"No.","start":854.11005,"end":854.43,"sentiment":"neutral","sentiment_score":-0.05638903379440307}],"sentiment":"neutral","sentiment_score":-0.02548693008720875,"num_words":40,"start":825.81,"end":854.43},{"sentences":[{"text":"No.","start":854.43,"end":854.67004,"sentiment":"neutral","sentiment_score":-0.06241872161626816},{"text":"That's a that that's a different one.","start":854.67004,"end":857.09,"sentiment":"neutral","sentiment_score":-0.042667502271277566},{"text":"So so they I I still have that one as well.","start":859.045,"end":861.125,"sentiment":"neutral","sentiment_score":0.018475643613121727},{"text":"Like, I still have that.","start":861.125,"end":862.485,"sentiment":"neutral","sentiment_score":0.005293270014226437},{"text":"That's that's probably done open value.","start":862.485,"end":864.645,"sentiment":"neutral","sentiment_score":0.006019036906460921}],"sentiment":"neutral","sentiment_score":-0.0031759528753658134,"num_words":30,"start":854.43,"end":864.645},{"sentences":[{"text":"That's probably around work from 60,000.","start":864.645,"end":866.90497,"sentiment":"neutral","sentiment_score":0.007941004199286303},{"text":"I'd be around 30,000.","start":875.42,"end":876.87994,"sentiment":"neutral","sentiment_score":0.013364069629460573},{"text":"And a Ford Everest.","start":880.37994,"end":882.0,"sentiment":"neutral","sentiment_score":0.09204775653779507},{"text":"Yeah.","start":885.075,"end":885.47504,"sentiment":"positive","sentiment_score":0.577213704586029},{"text":"And then it is a Toyota Land Cruiser.","start":885.47504,"end":893.175,"sentiment":"neutral","sentiment_score":0.17640119465067983}],"sentiment":"neutral","sentiment_score":0.1068572431154873,"num_words":23,"start":864.645,"end":893.175}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Can you hear me?\n\nChannel 0: Hi, Kieran. Yes. I can. I've got you again. Oh, good.\n\nI'm so sorry. It dropped out.\n\nChannel 1: Yeah. I don't know what happened. She's at\n\nChannel 0: Oh, that's okay. That's alright. I'll I'm pretty persistent. I'll keep trying.\n\nChannel 1: That's a shit. I I've\n\nChannel 0: Oh,\n\nChannel 1: I've been over five minutes anyway. I'll be able to pick up this one properly then.\n\nChannel 0: no. That's okay. Not a problem. So just kind of with the TPD benefit, you have the same amount as life. Are you happy with the level of cover you have for TPD?\n\nDid you wanna kinda review that in any way, shape, or form?\n\nChannel 1: So what's that? It's permanently can't work, is it? Or\n\nChannel 0: Correct. Yeah. Exactly. Yeah. If you're unable to go back to work permanently and you can claim the TPD benefit, which you have currently at about 374,000, Yeah.\n\n$3.74 $7.02 8. And, again, your super benefit can also be claimed on top of that. So it's a bit over 500,000 total at the moment.\n\nChannel 1: I'd still be able to claim on my income protection then as well, would I?\n\nChannel 0: Well, realistically, if anything happens to you, you wanna claim on income protection first. So, normally, it's the first thing we claim on because we're off work for ninety days, so we make a claim on income protection. And then as we kinda stay on income protection for longer and the doctors go, yeah, the likelihood of you going back to work or being unable to work again in any occupation is very low or you're not gonna be able to go back to work again, then you can claim on TBD. The TBD benefit is paid out, but you can still be receiving the income protection claim at the same time. Absolutely.\n\nThere is nothing that says you can't. If you've got an age 65 benefit, they will continue to pay the claim. Sometimes they might offer a lump sum instead of continuing to make the payments on a regular basis. But, yeah, look, you can be on both of those claims.\n\nChannel 1: Yeah. So it should it should be alright then. If I keep on claiming on both, I'm sure it should be fine. Shouldn't\n\nChannel 0: Yeah. Absolutely. Perfect. Now it is important to note that you don't have any other types of insurances outside of sleep that I can see, like trauma for yourself. There's no child trauma policies.\n\nThe trauma policies tend to cover, like, major diagnoses, things like heart attack, strokes, certain neurological conditions like motor neuron disease or Parkinson's are claimable. Trauma, you have to pay out of your back pocket, so they can't be paid for inside a super. You can claim on these other insurances, but trauma tends to pay out, like, a lump sum tax free benefit without having any kind of waiting\n\nChannel 1: I\n\nChannel 0: period or stipulations like income protection and TPD too. Did you wanna look at getting anything additional like that, or are you happy just with the cover you have?\n\nChannel 1: I I I I think I'm probably happy with the cover I have at the minute.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: And\n\nChannel 0: It's okay.\n\nChannel 1: and if if I do go down the road of if I if I manage to get another property or a mortgage mortgage up, I might look at something like that then.\n\nChannel 0: Yeah.\n\nChannel 1: But but at\n\nChannel 0: Absolutely.\n\nChannel 1: the minute, I've got I've got money in the bank. That's all it's\n\nChannel 0: Yes. That's absolutely\n\nChannel 1: I've\n\nChannel 0: fine.\n\nChannel 1: got\n\nChannel 0: We'll retain what you have for the moment with the advice scoping at any trauma. That's not a problem. I'll retain your life and TPD at the same benefits that they are, and I'll just look at maybe decreasing your income protection in line with what your income is so you're not over\n\nChannel 1: Yes.\n\nChannel 0: insured\n\nChannel 1: So you\n\nChannel 0: or\n\nChannel 1: don't\n\nChannel 0: paying too much for the insurances. Okay?\n\nChannel 1: Yes. Perfect.\n\nChannel 0: Fantastic. So everything looks really good. I'm also gonna go back if you're comfortable with just make sure have a look at your super. So I can sort of see that there is that Ben along that's underperforming in your super. I'd like to, if you're comfortable, just go back, maybe update the advice for you, maybe remove any underperforming investments, and have a look at the portfolios and the investments that you have at the moment and see if there's something better performing that can help with additional growth to your super and work towards your goals.\n\nAre you happy with me reviewing the super and the investments and updating the advice for you as well?\n\nChannel 1: Yes. Definitely. Yeah.\n\nChannel 0: Fantastic. I've never had anyone say no. Don't do that. I can just sort of see some places where we might be able to make some additional changes for you that might provide greater benefits, so it'd be great to definitely do that for you. Okay?\n\nChannel 1: K. Good.\n\nChannel 0: Excellent. Now having a look at things, you originally noted here that your goal for retirement was at least 67. Are you still sort of thinking that for retirement, or are you hoping to maybe retire earlier?\n\nChannel 1: I I I thought that edge was for I need to pull pull the lenses.\n\nChannel 0: So that's the age to apply for age pension through Centrelink if you're eligible to do so. Under the legislation with your super, if you retire at 60, you can actually access your super fully tax free. Yeah.\n\nChannel 1: Alright. Yeah. But yeah. But they said it's a retiree or it it it it would it would definitely be better. It's but I suppose I bought a 128,000 in my Superdough.\n\nBought out of chances of me to retire early.\n\nChannel 0: Honestly, at 60, the chances are very high. I just need to get you super working a bit harder, maybe look at some contributions going in. With the advice, I'll look at what we're doing for super and the investments there, but we'll track it over the next ten years because you still have a lot more than ten years ahead of you. And then we can keep updating the advice and keep tracking, but, you know, the projections will outline what we expect to see in the next sort of five to ten years so you can sort of see where you're tracking for currently.\n\nChannel 1: Yeah. Cool. Because I suppose when I am 60, I'm I'm sure my youngest, she like when I'm 60, she long because what? She's six now.\n\nChannel 0: Yeah.\n\nChannel 1: 15 years. She she she'll only be 20, 21.\n\nChannel 0: Oh, wow. I mean, retiring at 60, it'd be great. You'd have a lot of living. Your kids would still be young to enjoy the time with you, and you'll be healthy enough to get out there and enjoy your life.\n\nChannel 1: Yeah. Yeah. It'd be good\n\nChannel 0: Well,\n\nChannel 1: it'd be good to answer them, however it pans\n\nChannel 0: absolutely.\n\nChannel 1: out.\n\nChannel 0: Absolutely. We'll leave that one with me, Kieran. I'll do some research. In a couple of weeks, I'll come back with an advice document, and we'll go through that together. Okay?\n\nChannel 1: Yeah. Good.\n\nChannel 0: Excellent. Now contributions wise, oh, I'm sorry. Just before I do move on, in the time that you initially said you wanted to live on about $1,500 per week, is that still your retirement goal income wise?\n\nChannel 1: Yeah. That that that that would be great. It\n\nChannel 0: Yep. That's\n\nChannel 1: it\n\nChannel 0: okay.\n\nChannel 1: it it sounds like it it sounds like a lot too. But I suppose because the kids are still being so young, I'd probably want\n\nChannel 0: Yeah.\n\nChannel 1: to have that kind of a back in here.\n\nChannel 0: Yeah. Absolutely. No. That's absolutely fine. So let's track for that now.\n\nEssentially, when you get to retirement, regardless what your super balance is, you'll be able to draw the income that you essentially want. The main thing is that it depends on your super balance as to how long how it's invested, as to how long that will last. But if you wanted to retire at 60, I'll work on at 60. When you get to that point, we'll work on what you need to live on at that time. And then when you become eligible for age pension at 67, then we essentially look at the eligibility, what you can get from age pension, and how we can draw less out of your super.\n\nAnd that's how we get a bit of longevity. We do combinations of super and age pension. If you've got investments outside of super, we look at combining that for you as well. So it's just about looking at what you've got available to you, how to draw the income, and making sure you get as much longevity out of it as possible while still being able to live.\n\nChannel 1: Yeah. Cool. Sounds\n\nChannel 0: Yeah.\n\nChannel 1: sounds good.\n\nChannel 0: Excellent. Contributions wise for the advice, how much is there a certain amount that you're comfortable maybe contributing to start with, noting that you are 45 this year. So, realistically, you can start with a lower amount. You've got more than ten years. We can start with a smaller contribution amount, see how that goes, and then build that up over time for the compounding effect.\n\nIs there an amount you're comfortable with, or did you want us to tell you what you need to do? What's what where you where's your comfort level?\n\nChannel 1: So I wouldn't mind trying to drop a $100 a week or something like that into it.\n\nChannel 0: A $100 a week. Beautiful. Let's start with that one. I'll show you how that works as part of the advice, the advantages, the disadvantages, the risks involved in the projected cycle with that, and then we can always talk about it if you feel like you need to adjust that, and we'll review it with you regularly each year as well. Okay?\n\nChannel 1: Yeah. Yeah. And I I I was working for a guy there for for for for for a while, and he he actually\n\nChannel 0: Really?\n\nChannel 1: owes me\n\nChannel 0: Wow.\n\nChannel 1: $20,000 in super. Yeah. But you know, I know he doesn't have money. He doesn't\n\nChannel 0: I\n\nChannel 1: think\n\nChannel 0: mean,\n\nChannel 1: he is.\n\nChannel 0: that's horrible. I can see there has been some deposits from the ATO. So from the twenty fifth of the sixth this year, there was that $500 deposit there. So it looks like some money has been streaming through, but\n\nChannel 1: It doesn't it doesn't\n\nChannel 0: there\n\nChannel 1: say who\n\nChannel 0: was\n\nChannel 1: that came from, though, does it?\n\nChannel 0: no. No. And it looks like there was another ATO deposit on the third or the second. So it looks like maybe they have been collecting some owed superannuation or there has been some that's been paid to them. I do know when you work for someone as an employee, they have to essentially declare how much super you were owed and whether it was paid.\n\nSo if they haven't paid that super to you, the ATO will need to collect that, and the employer will be penalized for not paying it. So,\n\nChannel 1: Yeah.\n\nChannel 0: hopefully,\n\nChannel 1: No. It was\n\nChannel 0: that comes\n\nChannel 1: no. It it it it it was actually just part of the because I'm ABN, and\n\nChannel 0: through. Right. Yeah.\n\nChannel 1: they they become liable for for for me because it was part of the deal anyway. Like, it was what was agreed\n\nChannel 0: Yeah.\n\nChannel 1: on, but then he he was unfortunately, he was a mate of mine, and\n\nChannel 0: Oh, no.\n\nChannel 1: he couldn't he he when when he came in the end of the year, if he paid out to me, he couldn't bankroll his next job. And he said he can get me the next payment. Yeah. And that's that happened. One or two jobs, and that was kinda the end of that.\n\nSo I'm I'm not too sure whether I'm ever gonna see it or not.\n\nChannel 0: Well, you should definitely declare that. So speak to your accountant and get them to lodge the request with the ACO and get them to go back and try and claim the funds for you because, realistically, that's if you've done the work, that's your money. You should absolutely be paid it. So I would when your accountant does your tax return, tell them how much you are owed in the background and see if they can lodge something. They should be able to lodge a request with the ATO.\n\nThey should have access to the ATO's portal to do so and see if the ATO can, you know, claim all that back for you. It might take time, but they should be able to go ahead and do that because, realistically, you did the work. You just have the money.\n\nChannel 1: Yeah. I I'll I'll look into it. Alright?\n\nChannel 0: Yeah. Absolutely. I'll look at a $100 per week contributions wise. Are you finding that you're able to put sort of savings away out of your income at the moment, or are you sort of finding everything going towards your expenses with you being self employed and everything?\n\nChannel 1: And if you ask me that question for a week, Scott, I would have said, no. I'm putting the visual here, and then I have screw holders. It's gone again.\n\nChannel 0: Of course. School holidays.\n\nChannel 1: That's it. It depends on what time of the year you're asking to push.\n\nChannel 0: Absolute I mean, Christmas, we'd all be dead broke.\n\nChannel 1: Yeah. Yeah. Right.\n\nChannel 0: Yeah. That's okay. About\n\nChannel 1: Fine.\n\nChannel 0: three weeks ago, how much were you able to sort of put away prior to school holidays?\n\nChannel 1: Normally, I always try to put put two or 300 away a week\n\nChannel 0: Okay.\n\nChannel 1: for the for for the rainy days.\n\nChannel 0: Yeah.\n\nChannel 1: But I'd like I'd like for school holidays and that, then I just take take all the time off because, like, there's still only little. So I just take the time off and instead of paying somebody else to do mine. And\n\nChannel 0: Absolutely. Beautiful.\n\nChannel 1: I'm also also trying to save for trips to Ireland.\n\nChannel 0: Oh, fantastic. When do you wanna go? When's your goal to head over to Ireland?\n\nChannel 1: And I'm hoping in the next two years, because the little one is she won't remember at six, but she remembers at eight,\n\nChannel 0: Yeah.\n\nChannel 1: maybe.\n\nChannel 0: Yeah. And how much do you think you'll need to save to kinda get that\n\nChannel 1: Around\n\nChannel 0: trip going?\n\nChannel 1: $20.\n\nChannel 0: 20,000. So what that a guy needs to pay you would basically cover all that.\n\nChannel 1: Pretty much. Yeah.\n\nChannel 0: No. All good. Look. That sounds like an amazing trip. Have the kids been to Ireland before?\n\nChannel 1: And the two others have.\n\nChannel 0: Yeah. Oh, that'll honestly be amazing and such amazing family memories. Look. I've got older kids. I've got three.\n\nSo one's 10. The others are 19 and 20. And you don't get this time back. I definitely cherish them being so young. So and they're at fun ages where you get to enjoy them and have fun.\n\nChannel 1: That's it.\n\nChannel 0: All good. And just running through your assets and liabilities I have here. Now you had your savings sitting around 2,000 sorry. 260,000. Do you still have that much in savings?\n\nHas that decreased or increased a little bit?\n\nChannel 1: No. It's definitely decreased. It's around a 160,000\n\nChannel 0: Okay.\n\nChannel 1: now.\n\nChannel 0: 100\n\nChannel 1: But\n\nChannel 0: and 60,000.\n\nChannel 1: I think I I have assets, I suppose, instead, what you call it.\n\nChannel 0: You've put the money into, like, shares or something? Or\n\nChannel 1: Well, it I had to get a new car for work, so I\n\nChannel 0: oh,\n\nChannel 1: I bought\n\nChannel 0: car.\n\nChannel 1: that thousand.\n\nChannel 0: Yep. Was that the work truck that I have noted here?\n\nChannel 1: No. No. That's a that that's a different one.\n\nChannel 0: That's okay.\n\nChannel 1: So so they I I still have that one as well. Like, I still have that. That's\n\nChannel 0: Yep.\n\nChannel 1: that's probably done open value. That's probably around work from 60,000.\n\nChannel 0: Okay. Beautiful. So the work truck is 60,000 there. And what sort of what sort of value would you put on the new vehicle?\n\nChannel 1: I'd be around 30,000.\n\nChannel 0: 30,000? What kind of what kind of vehicle is it?\n\nChannel 1: And a Ford Everest.\n\nChannel 0: Oh, fantastic.\n\nChannel 1: Yeah. And\n\nChannel 0: Lovely.\n\nChannel 1: then\n\nChannel 0: And the work truck that you had valued at $60, what sort of vehicle is that?\n\nChannel 1: it is a Toyota Land Cruiser.\n\nChannel 0: Land Cruiser. Beautiful. And then I also had another motor vehicle here as well with a value of about 20,000. Do you have a third vehicle there as well? Hi, Karen.\n\nCan you hear me? Hello, Karen? Hello, Karen. Can you hear me at all?","paragraphs":[{"sentences":[{"text":"Hello?","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.00358466524630785},{"text":"Can you hear me?","start":6.08,"end":7.14,"sentiment":"neutral","sentiment_score":-0.00047866778913885355}],"sentiment":"neutral","sentiment_score":0.00033399881795048714,"channel":1,"num_words":5,"start":0.48,"end":7.14},{"sentences":[{"text":"Hi, Kieran.","start":7.3599997,"end":8.0,"sentiment":"neutral","sentiment_score":0.05834958329796791},{"text":"Yes.","start":8.0,"end":8.24,"sentiment":"neutral","sentiment_score":0.1551991105079651},{"text":"I can.","start":8.24,"end":8.559999,"sentiment":"neutral","sentiment_score":0.20048867166042328},{"text":"I've got you again.","start":8.559999,"end":9.54,"sentiment":"neutral","sentiment_score":0.14976315200328827},{"text":"Oh, good.","start":9.599999,"end":10.0,"sentiment":"neutral","sentiment_score":0.15583860129117966}],"sentiment":"neutral","sentiment_score":0.14396413009275089,"channel":0,"num_words":11,"start":7.3599997,"end":10.0},{"sentences":[{"text":"I'm so sorry.","start":10.0,"end":10.719999,"sentiment":"neutral","sentiment_score":-0.3075505296389262},{"text":"It dropped out.","start":10.719999,"end":11.78,"sentiment":"negative","sentiment_score":-0.41896559794743854}],"sentiment":"negative","sentiment_score":-0.3632580637931824,"channel":0,"num_words":6,"start":10.0,"end":11.78},{"sentences":[{"text":"Yeah.","start":12.4,"end":12.639999,"sentiment":"neutral","sentiment_score":-0.27326351404190063},{"text":"I don't know what happened.","start":12.639999,"end":13.599999,"sentiment":"neutral","sentiment_score":-0.30204193890094755},{"text":"She's at","start":13.599999,"end":14.42,"sentiment":"neutral","sentiment_score":-0.0623108334839344}],"sentiment":"neutral","sentiment_score":-0.2385118594393134,"channel":1,"num_words":8,"start":12.4,"end":14.42},{"sentences":[{"text":"Oh, that's okay.","start":14.844999,"end":15.905,"sentiment":"neutral","sentiment_score":-0.15041931718587875},{"text":"That's alright.","start":18.045,"end":18.765,"sentiment":"neutral","sentiment_score":-0.21699436008930206},{"text":"I'll I'm pretty persistent.","start":18.765,"end":20.064999,"sentiment":"negative","sentiment_score":-0.5133919268846512},{"text":"I'll keep trying.","start":20.125,"end":21.025,"sentiment":"negative","sentiment_score":-0.5084372659524282}],"sentiment":"negative","sentiment_score":-0.3720105147610108,"channel":0,"num_words":12,"start":14.844999,"end":21.025},{"sentences":[{"text":"That's a shit.","start":22.285,"end":23.185001,"sentiment":"negative","sentiment_score":-0.7867706418037415},{"text":"I I've","start":23.244999,"end":23.645,"sentiment":"neutral","sentiment_score":-0.1964721828699112}],"sentiment":"negative","sentiment_score":-0.5506512582302093,"channel":1,"num_words":5,"start":22.285,"end":23.645},{"sentences":[{"text":"Oh,","start":23.485,"end":23.985,"sentiment":"neutral","sentiment_score":-0.16521328687667847}],"sentiment":"neutral","sentiment_score":-0.16521328687667847,"channel":0,"num_words":1,"start":23.485,"end":23.985},{"sentences":[{"text":"I've been over five minutes anyway.","start":23.645,"end":24.791668,"sentiment":"neutral","sentiment_score":-0.151122584939003},{"text":"I'll be able to pick up this one properly then.","start":24.791668,"end":26.865,"sentiment":"neutral","sentiment_score":-0.055424696579575536}],"sentiment":"neutral","sentiment_score":-0.09131140471436083,"channel":1,"num_words":16,"start":23.645,"end":26.865},{"sentences":[{"text":"no.","start":27.1,"end":27.26,"sentiment":"neutral","sentiment_score":-0.08919823914766312},{"text":"That's okay.","start":27.26,"end":28.060001,"sentiment":"neutral","sentiment_score":0.017341094091534615},{"text":"Not a problem.","start":28.060001,"end":29.04,"sentiment":"neutral","sentiment_score":0.19817831615606943},{"text":"So just kind of with the TPD benefit, you have the same amount as life.","start":29.580002,"end":33.02,"sentiment":"neutral","sentiment_score":0.1318438654144605},{"text":"Are you happy with the level of cover you have for TPD?","start":33.02,"end":35.68,"sentiment":"neutral","sentiment_score":0.15153325162827969}],"sentiment":"neutral","sentiment_score":0.13139623934120842,"channel":0,"num_words":33,"start":27.1,"end":35.68},{"sentences":[{"text":"Did you wanna kinda review that in any way, shape, or form?","start":35.74,"end":38.72,"sentiment":"neutral","sentiment_score":0.05092596852531036}],"sentiment":"neutral","sentiment_score":0.05092596852531036,"channel":0,"num_words":12,"start":35.74,"end":38.72},{"sentences":[{"text":"So what's that?","start":39.98,"end":40.62,"sentiment":"neutral","sentiment_score":-0.032973513628045716},{"text":"It's permanently can't work, is it?","start":40.62,"end":43.02,"sentiment":"neutral","sentiment_score":-0.17639675239721933},{"text":"Or","start":43.02,"end":43.52,"sentiment":"neutral","sentiment_score":-0.0652458667755127}],"sentiment":"neutral","sentiment_score":-0.12225469220429659,"channel":1,"num_words":10,"start":39.98,"end":43.52},{"sentences":[{"text":"Correct.","start":43.835003,"end":44.335003,"sentiment":"neutral","sentiment_score":-0.031131617724895477},{"text":"Yeah.","start":44.395,"end":44.875,"sentiment":"neutral","sentiment_score":0.0017061755061149595},{"text":"Exactly.","start":44.875,"end":45.355003,"sentiment":"neutral","sentiment_score":0.01131173875182867},{"text":"Yeah.","start":45.355003,"end":45.595,"sentiment":"neutral","sentiment_score":0.03534244745969772},{"text":"If you're unable to go back to work permanently and you can claim the TPD benefit, which you have currently at about 374,000, Yeah.","start":45.595,"end":55.64,"sentiment":"neutral","sentiment_score":-0.011012198713918528}],"sentiment":"neutral","sentiment_score":-0.008823715183617813,"channel":0,"num_words":28,"start":43.835003,"end":55.64},{"sentences":[{"text":"$3.74 $7.02 8.","start":55.64,"end":57.9,"sentiment":"neutral","sentiment_score":0.024197511995832127},{"text":"And, again, your super benefit can also be claimed on top of that.","start":58.52,"end":61.72,"sentiment":"neutral","sentiment_score":0.10961138772276732},{"text":"So it's a bit over 500,000 total at the moment.","start":61.72,"end":64.94,"sentiment":"neutral","sentiment_score":0.06789659671485423}],"sentiment":"neutral","sentiment_score":0.08371179013584669,"channel":0,"num_words":26,"start":55.64,"end":64.94},{"sentences":[{"text":"I'd still be able to claim on my income protection then as well, would I?","start":65.82,"end":69.68,"sentiment":"neutral","sentiment_score":0.0915079653263092}],"sentiment":"neutral","sentiment_score":0.0915079653263092,"channel":1,"num_words":15,"start":65.82,"end":69.68},{"sentences":[{"text":"Well, realistically, if anything happens to you, you wanna claim on income protection first.","start":70.055,"end":74.695,"sentiment":"neutral","sentiment_score":0.06652043147810868},{"text":"So, normally, it's the first thing we claim on because we're off work for ninety days, so we make a claim on income protection.","start":74.695,"end":80.075,"sentiment":"neutral","sentiment_score":0.059560027303329356},{"text":"And then as we kinda stay on income protection for longer and the doctors go, yeah, the likelihood of you going back to work or being unable to work again in any occupation is very low or you're not gonna be able to go back to work again, then you can claim on TBD.","start":80.69,"end":94.55,"sentiment":"neutral","sentiment_score":-0.028108042630332487},{"text":"The TBD benefit is paid out, but you can still be receiving the income protection claim at the same time.","start":95.385,"end":101.625,"sentiment":"neutral","sentiment_score":0.19310313165187837},{"text":"Absolutely.","start":101.625,"end":102.125,"sentiment":"neutral","sentiment_score":0.15555846691131592}],"sentiment":"neutral","sentiment_score":0.04301339375118898,"channel":0,"num_words":113,"start":70.055,"end":102.125},{"sentences":[{"text":"There is nothing that says you can't.","start":102.345,"end":103.945,"sentiment":"neutral","sentiment_score":-0.0860291091459138},{"text":"If you've got an age 65 benefit, they will continue to pay the claim.","start":103.945,"end":108.09,"sentiment":"neutral","sentiment_score":0.01196941826492548},{"text":"Sometimes they might offer a lump sum instead of continuing to make the payments on a regular basis.","start":108.329994,"end":113.549995,"sentiment":"neutral","sentiment_score":0.021262089514897928},{"text":"But, yeah, look, you can be on both of those claims.","start":114.409996,"end":117.149994,"sentiment":"neutral","sentiment_score":0.04323549771850759}],"sentiment":"neutral","sentiment_score":0.008473523557186127,"channel":0,"num_words":50,"start":102.345,"end":117.149994},{"sentences":[{"text":"Yeah.","start":118.385,"end":118.705,"sentiment":"neutral","sentiment_score":0.1995970755815506},{"text":"So it should it should be alright then.","start":118.705,"end":120.54,"sentiment":"positive","sentiment_score":0.3785611130297184},{"text":"If I keep on claiming on both, I'm sure it should be fine.","start":120.54,"end":122.7,"sentiment":"neutral","sentiment_score":0.31413988998303044},{"text":"Shouldn't","start":122.7,"end":123.2,"sentiment":"neutral","sentiment_score":0.009888261556625366}],"sentiment":"neutral","sentiment_score":0.31833881787631824,"channel":1,"num_words":23,"start":118.385,"end":123.2},{"sentences":[{"text":"Yeah.","start":123.305,"end":123.785,"sentiment":"neutral","sentiment_score":0.09146374464035034},{"text":"Absolutely.","start":123.785,"end":124.285,"sentiment":"positive","sentiment_score":0.4027110040187836},{"text":"Perfect.","start":124.745,"end":125.245,"sentiment":"positive","sentiment_score":0.5720371603965759},{"text":"Now it is important to note that you don't have any other types of insurances outside of sleep that I can see, like trauma for yourself.","start":125.785,"end":132.125,"sentiment":"neutral","sentiment_score":-0.021599778189108923},{"text":"There's no child trauma policies.","start":132.65001,"end":134.33,"sentiment":"neutral","sentiment_score":-0.10096596777439118}],"sentiment":"neutral","sentiment_score":-6.240080384647145e-6,"channel":0,"num_words":34,"start":123.305,"end":134.33},{"sentences":[{"text":"The trauma policies tend to cover, like, major diagnoses, things like heart attack, strokes, certain neurological conditions like motor neuron disease or Parkinson's are claimable.","start":134.33,"end":144.99,"sentiment":"neutral","sentiment_score":-0.03102359961718321},{"text":"Trauma, you have to pay out of your back pocket, so they can't be paid for inside a super.","start":145.875,"end":150.535,"sentiment":"neutral","sentiment_score":-0.06821619307524279},{"text":"You can claim on these other insurances, but trauma tends to pay out, like, a lump sum tax free benefit without having any kind of 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okay.","start":175.255,"end":175.995,"sentiment":"neutral","sentiment_score":0.13217919319868088}],"sentiment":"neutral","sentiment_score":0.13217919319868088,"channel":0,"num_words":2,"start":175.255,"end":175.995},{"sentences":[{"text":"and if if I do go down the road of if I if I manage to get another property or a mortgage mortgage up, I might look at something like that then.","start":175.8,"end":185.42,"sentiment":"neutral","sentiment_score":-0.013066770392470062}],"sentiment":"neutral","sentiment_score":-0.013066770392470062,"channel":1,"num_words":32,"start":175.8,"end":185.42},{"sentences":[{"text":"Yeah.","start":185.67,"end":186.15,"sentiment":"neutral","sentiment_score":0.012289514765143394}],"sentiment":"neutral","sentiment_score":0.012289514765143394,"channel":0,"num_words":1,"start":185.67,"end":186.15},{"sentences":[{"text":"But but 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absolutely","start":190.55,"end":191.45,"sentiment":"neutral","sentiment_score":0.1799870952963829}],"sentiment":"neutral","sentiment_score":0.15455944339434305,"channel":0,"num_words":3,"start":189.91,"end":191.45},{"sentences":[{"text":"I've","start":191.47499,"end":191.635,"sentiment":"neutral","sentiment_score":0.1839917749166489}],"sentiment":"neutral","sentiment_score":0.1839917749166489,"channel":1,"num_words":1,"start":191.47499,"end":191.635},{"sentences":[{"text":"fine.","start":191.51,"end":191.75,"sentiment":"neutral","sentiment_score":0.1422993689775467}],"sentiment":"neutral","sentiment_score":0.1422993689775467,"channel":0,"num_words":1,"start":191.51,"end":191.75},{"sentences":[{"text":"got","start":191.635,"end":191.955,"sentiment":"neutral","sentiment_score":0.032290153205394745}],"sentiment":"neutral","sentiment_score":0.032290153205394745,"channel":1,"num_words":1,"start":191.635,"end":191.955},{"sentences":[{"text":"We'll retain what you have for the moment with the advice scoping at any trauma.","start":191.75,"end":195.93,"sentiment":"neutral","sentiment_score":0.011469984178741772},{"text":"That's not a problem.","start":195.99,"end":197.05,"sentiment":"neutral","sentiment_score":0.16472628340125084},{"text":"I'll retain your life and TPD at the same benefits that they are, and I'll just look at maybe decreasing your income protection in line with what your income is so you're not 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you","start":206.51,"end":206.82999,"sentiment":"neutral","sentiment_score":0.021652165800333023}],"sentiment":"neutral","sentiment_score":0.021652165800333023,"channel":1,"num_words":2,"start":206.51,"end":206.82999},{"sentences":[{"text":"or","start":206.695,"end":206.935,"sentiment":"neutral","sentiment_score":0.024867616593837735}],"sentiment":"neutral","sentiment_score":0.024867616593837735,"channel":0,"num_words":1,"start":206.695,"end":206.935},{"sentences":[{"text":"don't","start":206.82999,"end":207.06999,"sentiment":"neutral","sentiment_score":0.03012499213218689}],"sentiment":"neutral","sentiment_score":0.03012499213218689,"channel":1,"num_words":1,"start":206.82999,"end":207.06999},{"sentences":[{"text":"paying too much for the insurances.","start":206.935,"end":208.395,"sentiment":"neutral","sentiment_score":-0.023668912549813587},{"text":"Okay?","start":208.855,"end":209.355,"sentiment":"neutral","sentiment_score":0.06853163242340088}],"sentiment":"neutral","sentiment_score":-0.010497406125068665,"channel":0,"num_words":7,"start":206.935,"end":209.355},{"sentences":[{"text":"Yes.","start":210.43,"end":210.67,"sentiment":"neutral","sentiment_score":0.1634654402732849},{"text":"Perfect.","start":210.67,"end":211.17,"sentiment":"neutral","sentiment_score":0.1949911266565323}],"sentiment":"neutral","sentiment_score":0.1792282834649086,"channel":1,"num_words":2,"start":210.43,"end":211.17},{"sentences":[{"text":"Fantastic.","start":211.8,"end":212.3,"sentiment":"positive","sentiment_score":0.8365858793258667},{"text":"So everything looks really good.","start":214.04,"end":216.04,"sentiment":"positive","sentiment_score":0.782272469997406},{"text":"I'm also gonna go back if you're comfortable with just make sure have a look at your super.","start":216.04,"end":220.12,"sentiment":"neutral","sentiment_score":0.18932044961386257},{"text":"So I can sort of see that there is that Ben along that's underperforming in your super.","start":220.12,"end":224.06,"sentiment":"neutral","sentiment_score":-0.06777001238044571},{"text":"I'd like to, if you're comfortable, just go back, maybe update the advice for you, maybe remove any underperforming investments, and have a look at the portfolios and the investments that you have at the moment and see if there's something better performing that can help with additional growth to your super and work towards your goals.","start":224.445,"end":240.06,"sentiment":"neutral","sentiment_score":0.12965296467014573}],"sentiment":"neutral","sentiment_score":0.14687597038870565,"channel":0,"num_words":98,"start":211.8,"end":240.06},{"sentences":[{"text":"Are you happy with me reviewing the super and the investments and updating the advice for you as 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that.","start":251.09999,"end":252.0,"sentiment":"neutral","sentiment_score":0.009393267333507538},{"text":"I can just sort of see some places where we might be able to make some additional changes for you that might provide greater benefits, so it'd be great to definitely do that for you.","start":254.735,"end":262.735,"sentiment":"positive","sentiment_score":0.44312679852758136},{"text":"Okay?","start":262.735,"end":263.235,"sentiment":"neutral","sentiment_score":0.18585529923439023}],"sentiment":"positive","sentiment_score":0.37558322901959007,"channel":0,"num_words":46,"start":247.73999,"end":263.235},{"sentences":[{"text":"K.","start":264.41,"end":264.65,"sentiment":"neutral","sentiment_score":0.17952868342399597},{"text":"Good.","start":264.65,"end":265.15,"sentiment":"positive","sentiment_score":0.4643542170524597}],"sentiment":"neutral","sentiment_score":0.32194145023822784,"channel":1,"num_words":2,"start":264.41,"end":265.15},{"sentences":[{"text":"Excellent.","start":266.11002,"end":266.61002,"sentiment":"positive","sentiment_score":0.488561749458313},{"text":"Now having a look at things, you originally noted here that your goal for retirement was at least 67.","start":266.75,"end":272.99002,"sentiment":"neutral","sentiment_score":0.13684484754738055},{"text":"Are you still sort of thinking that for retirement, or are you hoping to maybe retire earlier?","start":272.99002,"end":278.05002,"sentiment":"neutral","sentiment_score":0.04504895823843339}],"sentiment":"neutral","sentiment_score":0.1041742200787003,"channel":0,"num_words":37,"start":266.11002,"end":278.05002},{"sentences":[{"text":"I I I thought that edge was for I need to pull pull the lenses.","start":280.95,"end":284.09,"sentiment":"neutral","sentiment_score":0.010087667653958002}],"sentiment":"neutral","sentiment_score":0.010087667653958002,"channel":1,"num_words":15,"start":280.95,"end":284.09},{"sentences":[{"text":"So that's the age to apply for age pension through Centrelink if you're eligible to do so.","start":285.185,"end":290.565,"sentiment":"neutral","sentiment_score":0.10328784584999084},{"text":"Under the legislation with your super, if you retire at 60, you can 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ten years because you still have a lot more than ten years ahead of you.","start":322.52002,"end":330.86002,"sentiment":"neutral","sentiment_score":0.09248659427504281},{"text":"And then we can keep updating the advice and keep tracking, but, you know, the projections will outline what we expect to see in the next sort of five to ten years so you can sort of see where you're tracking for currently.","start":331.24002,"end":340.375,"sentiment":"neutral","sentiment_score":0.07564628306169842}],"sentiment":"neutral","sentiment_score":0.0549829982150838,"channel":0,"num_words":106,"start":314.615,"end":340.375},{"sentences":[{"text":"Yeah.","start":342.24,"end":342.72,"sentiment":"neutral","sentiment_score":0.20994886755943296},{"text":"Cool.","start":342.72,"end":343.04,"sentiment":"neutral","sentiment_score":0.32283836603164673},{"text":"Because I suppose when I am 60, I'm I'm sure my youngest, she like when I'm 60, she long because 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it sounds like it it sounds like a lot too.","start":404.44498,"end":407.485,"sentiment":"neutral","sentiment_score":0.1458274871110916},{"text":"But I suppose because the kids are still being so young, I'd probably want","start":407.485,"end":411.965,"sentiment":"neutral","sentiment_score":0.08190181265984263}],"sentiment":"neutral","sentiment_score":0.11002910941839218,"channel":1,"num_words":25,"start":404.44498,"end":411.965},{"sentences":[{"text":"Yeah.","start":411.9,"end":412.4,"sentiment":"neutral","sentiment_score":0.09542828798294067}],"sentiment":"neutral","sentiment_score":0.09542828798294067,"channel":0,"num_words":1,"start":411.9,"end":412.4},{"sentences":[{"text":"to have that kind of a back in 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that up over time for the compounding effect.","start":490.06998,"end":497.025,"sentiment":"neutral","sentiment_score":0.3100008964538574}],"sentiment":"neutral","sentiment_score":0.2783300463448871,"channel":0,"num_words":66,"start":473.89502,"end":497.025},{"sentences":[{"text":"Is there an amount you're comfortable with, or did you want us to tell you what you need to do?","start":497.26498,"end":501.26498,"sentiment":"neutral","sentiment_score":0.10761191882193089},{"text":"What's what where you where's your comfort level?","start":501.26498,"end":504.32498,"sentiment":"neutral","sentiment_score":0.019747874583117664}],"sentiment":"neutral","sentiment_score":0.08250790618226997,"channel":0,"num_words":28,"start":497.26498,"end":504.32498},{"sentences":[{"text":"So I wouldn't mind trying to drop a $100 a week or something like that into 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fun.","start":803.69,"end":807.70996,"sentiment":"neutral","sentiment_score":0.3293487548828125}],"sentiment":"neutral","sentiment_score":0.24636972558341527,"channel":0,"num_words":38,"start":795.61,"end":807.70996},{"sentences":[{"text":"That's it.","start":808.185,"end":809.005,"sentiment":"neutral","sentiment_score":0.17024482041597366}],"sentiment":"neutral","sentiment_score":0.17024482041597366,"channel":1,"num_words":2,"start":808.185,"end":809.005},{"sentences":[{"text":"All good.","start":811.33496,"end":811.815,"sentiment":"positive","sentiment_score":0.3547630161046982},{"text":"And just running through your assets and liabilities I have here.","start":811.815,"end":814.615,"sentiment":"neutral","sentiment_score":0.04252175597304648},{"text":"Now you had your savings sitting around 2,000 sorry.","start":814.615,"end":818.295,"sentiment":"neutral","sentiment_score":-0.0031609825996889006},{"text":"260,000.","start":818.295,"end":819.755,"sentiment":"neutral","sentiment_score":-0.004266135394573212},{"text":"Do you still have that much in savings?","start":820.10004,"end":821.86005,"sentiment":"neutral","sentiment_score":-0.025596463587135077}],"sentiment":"neutral","sentiment_score":0.03031544065884044,"channel":0,"num_words":31,"start":811.33496,"end":821.86005},{"sentences":[{"text":"Has that decreased or increased a little bit?","start":821.86005,"end":824.28,"sentiment":"neutral","sentiment_score":-0.03962569800205529}],"sentiment":"neutral","sentiment_score":-0.03962569800205529,"channel":0,"num_words":8,"start":821.86005,"end":824.28},{"sentences":[{"text":"No.","start":825.65,"end":825.81,"sentiment":"neutral","sentiment_score":-0.08629317581653595},{"text":"It's definitely decreased.","start":825.81,"end":826.85004,"sentiment":"neutral","sentiment_score":-0.08326834440231323},{"text":"It's around a 160,000","start":826.85004,"end":828.95,"sentiment":"neutral","sentiment_score":-0.03492857422679663}],"sentiment":"neutral","sentiment_score":-0.05947656324133277,"channel":1,"num_words":8,"start":825.65,"end":828.95},{"sentences":[{"text":"Okay.","start":829.7,"end":830.2,"sentiment":"neutral","sentiment_score":-0.01095525175333023}],"sentiment":"neutral","sentiment_score":-0.01095525175333023,"channel":0,"num_words":1,"start":829.7,"end":830.2},{"sentences":[{"text":"now.","start":830.105,"end":830.605,"sentiment":"neutral","sentiment_score":-0.0033767782151699066}],"sentiment":"neutral","sentiment_score":-0.0033767782151699066,"channel":1,"num_words":1,"start":830.105,"end":830.605},{"sentences":[{"text":"100","start":830.42004,"end":830.9,"sentiment":"neutral","sentiment_score":-0.004675338044762611}],"sentiment":"neutral","sentiment_score":-0.004675338044762611,"channel":0,"num_words":1,"start":830.42004,"end":830.9},{"sentences":[{"text":"But","start":830.665,"end":831.165,"sentiment":"neutral","sentiment_score":-0.00983225367963314}],"sentiment":"neutral","sentiment_score":-0.00983225367963314,"channel":1,"num_words":1,"start":830.665,"end":831.165},{"sentences":[{"text":"and 60,000.","start":830.9,"end":832.04004,"sentiment":"neutral","sentiment_score":-0.007303900085389614}],"sentiment":"neutral","sentiment_score":-0.007303900085389614,"channel":0,"num_words":2,"start":830.9,"end":832.04004},{"sentences":[{"text":"I think I I have assets, I suppose, instead, what you call it.","start":832.745,"end":837.645,"sentiment":"neutral","sentiment_score":-0.017452566024775688}],"sentiment":"neutral","sentiment_score":-0.017452566024775688,"channel":1,"num_words":13,"start":832.745,"end":837.645},{"sentences":[{"text":"You've put the money into, like, shares or something?","start":839.825,"end":841.985,"sentiment":"neutral","sentiment_score":-0.008250342061122259},{"text":"Or","start":841.985,"end":842.225,"sentiment":"neutral","sentiment_score":-0.010271120816469193}],"sentiment":"neutral","sentiment_score":-0.008452419936656953,"channel":0,"num_words":10,"start":839.825,"end":842.225},{"sentences":[{"text":"Well, it I had to get a new car for work, so I","start":842.75,"end":846.45,"sentiment":"neutral","sentiment_score":-0.024312535730692055}],"sentiment":"neutral","sentiment_score":-0.024312535730692055,"channel":1,"num_words":13,"start":842.75,"end":846.45},{"sentences":[{"text":"oh,","start":846.8,"end":847.2,"sentiment":"neutral","sentiment_score":-0.010546800680458546}],"sentiment":"neutral","sentiment_score":-0.010546800680458546,"channel":0,"num_words":1,"start":846.8,"end":847.2},{"sentences":[{"text":"I bought","start":846.83,"end":847.23004,"sentiment":"neutral","sentiment_score":-0.00699988380074501}],"sentiment":"neutral","sentiment_score":-0.00699988380074501,"channel":1,"num_words":2,"start":846.83,"end":847.23004},{"sentences":[{"text":"car.","start":847.2,"end":847.7,"sentiment":"neutral","sentiment_score":-0.009072020649909971}],"sentiment":"neutral","sentiment_score":-0.009072020649909971,"channel":0,"num_words":1,"start":847.2,"end":847.7},{"sentences":[{"text":"that thousand.","start":847.23004,"end":847.89,"sentiment":"neutral","sentiment_score":-0.0017068586312234402}],"sentiment":"neutral","sentiment_score":-0.0017068586312234402,"channel":1,"num_words":2,"start":847.23004,"end":847.89},{"sentences":[{"text":"Yep.","start":848.88,"end":849.2,"sentiment":"neutral","sentiment_score":0.01113635953515768},{"text":"Was that the work truck that I have noted here?","start":849.2,"end":851.94,"sentiment":"neutral","sentiment_score":-0.0045575446914881464}],"sentiment":"neutral","sentiment_score":-0.0031308261254294352,"channel":0,"num_words":11,"start":848.88,"end":851.94},{"sentences":[{"text":"No.","start":854.11005,"end":854.43,"sentiment":"neutral","sentiment_score":-0.05638903379440307},{"text":"No.","start":854.43,"end":854.67004,"sentiment":"neutral","sentiment_score":-0.06241872161626816},{"text":"That's a that that's a different one.","start":854.67004,"end":857.09,"sentiment":"neutral","sentiment_score":-0.042667502271277566}],"sentiment":"neutral","sentiment_score":-0.04638669681217936,"channel":1,"num_words":9,"start":854.11005,"end":857.09},{"sentences":[{"text":"That's okay.","start":857.935,"end":858.67505,"sentiment":"neutral","sentiment_score":0.006105288513936102}],"sentiment":"neutral","sentiment_score":0.006105288513936102,"channel":0,"num_words":2,"start":857.935,"end":858.67505},{"sentences":[{"text":"So so they I I still have that one as well.","start":859.045,"end":861.125,"sentiment":"neutral","sentiment_score":0.018475643613121727},{"text":"Like, I still have that.","start":861.125,"end":862.485,"sentiment":"neutral","sentiment_score":0.005293270014226437},{"text":"That's","start":862.485,"end":862.985,"sentiment":"neutral","sentiment_score":0.01077469252049923}],"sentiment":"neutral","sentiment_score":0.014145477784468848,"channel":1,"num_words":17,"start":859.045,"end":862.985},{"sentences":[{"text":"Yep.","start":862.73505,"end":863.23505,"sentiment":"neutral","sentiment_score":0.021187542006373405}],"sentiment":"neutral","sentiment_score":0.021187542006373405,"channel":0,"num_words":1,"start":862.73505,"end":863.23505},{"sentences":[{"text":"that's probably done open value.","start":863.125,"end":864.645,"sentiment":"neutral","sentiment_score":0.00506790578365326},{"text":"That's probably around work from 60,000.","start":864.645,"end":866.90497,"sentiment":"neutral","sentiment_score":0.007941004199286303}],"sentiment":"neutral","sentiment_score":0.006635050373998555,"channel":1,"num_words":11,"start":863.125,"end":866.90497},{"sentences":[{"text":"Okay.","start":867.455,"end":867.85504,"sentiment":"neutral","sentiment_score":0.1425568461418152},{"text":"Beautiful.","start":867.85504,"end":868.35504,"sentiment":"neutral","sentiment_score":0.26273098587989807},{"text":"So the work truck is 60,000 there.","start":868.495,"end":870.575,"sentiment":"neutral","sentiment_score":0.04799702923212733},{"text":"And what sort of what sort of value would you put on the new vehicle?","start":870.575,"end":874.63995,"sentiment":"neutral","sentiment_score":0.008634597435593605}],"sentiment":"neutral","sentiment_score":0.03628274992418786,"channel":0,"num_words":24,"start":867.455,"end":874.63995},{"sentences":[{"text":"I'd be around 30,000.","start":875.42,"end":876.87994,"sentiment":"neutral","sentiment_score":0.013364069629460573}],"sentiment":"neutral","sentiment_score":0.013364069629460573,"channel":1,"num_words":4,"start":875.42,"end":876.87994},{"sentences":[{"text":"30,000?","start":877.33997,"end":878.06,"sentiment":"neutral","sentiment_score":0.005206219851970673},{"text":"What kind of what kind of vehicle is it?","start":878.06,"end":880.07996,"sentiment":"neutral","sentiment_score":-0.02966572665092018}],"sentiment":"neutral","sentiment_score":-0.026178532000631093,"channel":0,"num_words":10,"start":877.33997,"end":880.07996},{"sentences":[{"text":"And a Ford Everest.","start":880.37994,"end":882.0,"sentiment":"neutral","sentiment_score":0.09204775653779507}],"sentiment":"neutral","sentiment_score":0.09204775653779507,"channel":1,"num_words":4,"start":880.37994,"end":882.0},{"sentences":[{"text":"Oh, fantastic.","start":882.86,"end":883.68,"sentiment":"positive","sentiment_score":0.7894848883152008}],"sentiment":"positive","sentiment_score":0.7894848883152008,"channel":0,"num_words":2,"start":882.86,"end":883.68},{"sentences":[{"text":"Yeah.","start":885.075,"end":885.47504,"sentiment":"positive","sentiment_score":0.577213704586029},{"text":"And","start":885.47504,"end":885.97504,"sentiment":"positive","sentiment_score":0.6387945413589478}],"sentiment":"positive","sentiment_score":0.6080041229724884,"channel":1,"num_words":2,"start":885.075,"end":885.97504},{"sentences":[{"text":"Lovely.","start":885.71497,"end":886.115,"sentiment":"positive","sentiment_score":0.7576901316642761}],"sentiment":"positive","sentiment_score":0.7576901316642761,"channel":0,"num_words":1,"start":885.71497,"end":886.115},{"sentences":[{"text":"then","start":886.115,"end":886.615,"sentiment":"neutral","sentiment_score":0.17027327418327332}],"sentiment":"neutral","sentiment_score":0.17027327418327332,"channel":1,"num_words":1,"start":886.115,"end":886.615},{"sentences":[{"text":"And the work truck that you had valued at $60, what sort of vehicle is that?","start":886.115,"end":890.535,"sentiment":"neutral","sentiment_score":0.10608043184038252}],"sentiment":"neutral","sentiment_score":0.10608043184038252,"channel":0,"num_words":16,"start":886.115,"end":890.535},{"sentences":[{"text":"it is a Toyota Land Cruiser.","start":890.995,"end":893.175,"sentiment":"neutral","sentiment_score":0.10035695694386959}],"sentiment":"neutral","sentiment_score":0.10035695694386959,"channel":1,"num_words":6,"start":890.995,"end":893.175},{"sentences":[{"text":"Land Cruiser.","start":893.95496,"end":894.695,"sentiment":"neutral","sentiment_score":0.1418103203177452},{"text":"Beautiful.","start":894.995,"end":895.495,"sentiment":"positive","sentiment_score":0.6600732207298279},{"text":"And then I also had another motor vehicle here as well with a value of about 20,000.","start":896.85,"end":901.33,"sentiment":"neutral","sentiment_score":0.1449646599152509},{"text":"Do you have a third vehicle there as well?","start":901.33,"end":903.51,"sentiment":"neutral","sentiment_score":0.026729280336035624},{"text":"Hi, Karen.","start":909.425,"end":910.22504,"sentiment":"neutral","sentiment_score":0.004222276620566845}],"sentiment":"neutral","sentiment_score":0.11797100503838831,"channel":0,"num_words":31,"start":893.95496,"end":910.22504},{"sentences":[{"text":"Can you hear me?","start":910.22504,"end":911.205,"sentiment":"neutral","sentiment_score":-0.07721261121332645},{"text":"Hello, Karen?","start":919.34503,"end":920.245,"sentiment":"neutral","sentiment_score":-0.034150103107094765},{"text":"Hello, Karen.","start":951.63,"end":952.35,"sentiment":"neutral","sentiment_score":-0.02818036638200283},{"text":"Can you hear me at all?","start":952.35,"end":953.57,"sentiment":"neutral","sentiment_score":-0.1256172942618529}],"sentiment":"neutral","sentiment_score":-0.08480108210018703,"channel":0,"num_words":14,"start":910.22504,"end":953.57}]},"summary":{"result":"success","short":"The customer discusses their life insurance coverage and investment portfolio with a representative, updating their advice for retirement and updating their investment portfolio. They also discuss retirement goals and contributions for the next ten years, including a goal of $1,500 per week. The representative advises the customer to use their super and age pension to draw more money out of pocket and increase longevity. They also discuss contributing to a small amount and the potential risks of losing money from a previous employer. The customer is advised to file a claim with their accountant and check their tax return."},"intents":{"segments":[{"text":"I've got you again. Oh, good. I'm so sorry. It dropped out. Yeah. I don't know what happened.","start_word":10,"end_word":27,"intents":[{"intent":"Recalling experience","confidence_score":0.00009259007}]},{"text":"So just kind of with the TPD benefit, you have the same amount as life. Are you happy with the level of cover you have for TPD? Did you wanna kinda review that in any way, shape, or form? So what's that?","start_word":70,"end_word":111,"intents":[{"intent":"Reviewing coverage level","confidence_score":0.025740348}]},{"text":"And then as we kinda stay on income protection for longer and the doctors go, yeah, the likelihood of you going back to work or being unable to work again in any occupation is very low or you're not gonna be able to go back to work again, then you can claim on TBD. The TBD benefit is paid out, but you can still be receiving the income protection claim at the same time. Absolutely.","start_word":226,"end_word":300,"intents":[{"intent":"Recognizing possibility of returning to work","confidence_score":0.0000088587785},{"intent":"Suggesting future access to income protection","confidence_score":0.0000053468007}]},{"text":"Now it is important to note that you don't have any other types of insurances outside of sleep that I can see, like trauma for yourself. There's no child trauma policies. The trauma policies tend to cover, like, major diagnoses, things like heart attack, strokes, certain neurological conditions like motor neuron disease or Parkinson's are claimable.","start_word":377,"end_word":432,"intents":[{"intent":"Clarify insurance coverage","confidence_score":0.10438117}]},{"text":"Are you happy with me reviewing the super and the investments and updating the advice for you as well? Yes.","start_word":751,"end_word":770,"intents":[{"intent":"Review portfolios","confidence_score":0.0010322679}]},{"text":"I can just sort of see some places where we might be able to make some additional changes for you that might provide greater benefits, so it'd be great to definitely do that for you. Okay? K. Good.","start_word":783,"end_word":820,"intents":[{"intent":"Make adjustments","confidence_score":0.04270924}]},{"text":"I I I thought that edge was for I need to pull pull the lenses. So that's the age to apply for age pension through Centrelink if you're eligible to do so. Under the legislation with your super, if you retire at 60, you can actually access your super fully tax free. Yeah.","start_word":858,"end_word":910,"intents":[{"intent":"Calculate retirement age","confidence_score":0.011530282}]},{"text":"I I I thought that edge was for I need to pull pull the lenses. So that's the age to apply for age pension through Centrelink if you're eligible to do so. Under the legislation with your super, if you retire at 60, you can actually access your super fully tax free. Yeah. Alright.","start_word":858,"end_word":911,"intents":[{"intent":"Retire earlier","confidence_score":0.027551364}]},{"text":"I just need to get you super working a bit harder, maybe look at some contributions going in.","start_word":960,"end_word":977,"intents":[{"intent":"Look at contributions","confidence_score":0.17698641}]},{"text":"Just before I do move on, in the time that you initially said you wanted to live on about $1,500 per week, is that still your retirement goal income wise?","start_word":1192,"end_word":1221,"intents":[{"intent":"Track retirement goals","confidence_score":0.07666095}]},{"text":"Let's start with that one. I'll show you how that works as part of the advice, the advantages, the disadvantages, the risks involved in the projected cycle with that, and then we can always talk about it if you feel like you need to adjust that, and we'll review it with you regularly each year as well. Okay?","start_word":1587,"end_word":1644,"intents":[{"intent":"Educate about super benefits","confidence_score":0.00025682122}]},{"text":"$20,000 in super. Yeah.","start_word":1672,"end_word":1675,"intents":[{"intent":"Debt superannuation","confidence_score":0.0026340934}]},{"text":"So speak to your accountant and get them to lodge the request with the ACO and get them to go back and try and claim the funds for you because, realistically, that's if you've done the work, that's your money.","start_word":1978,"end_word":2017,"intents":[{"intent":"Speak to accountant","confidence_score":0.08408228},{"intent":"Obtain aco","confidence_score":0.0002290986},{"intent":"Discuss fund claim","confidence_score":0.000034884724}]},{"text":"I I'll I'll look into it. Alright? Yeah.","start_word":2113,"end_word":2120,"intents":[{"intent":"Look into expenses","confidence_score":0.0056533036}]},{"text":"three weeks ago, how much were you able to sort of put away prior to school holidays? Normally, I always try to put put two or 300 away a week Okay.","start_word":2233,"end_word":2263,"intents":[{"intent":"Put away money","confidence_score":0.095074475}]},{"text":"I'm also also trying to save for trips to Ireland.","start_word":2316,"end_word":2325,"intents":[{"intent":"Save for trips","confidence_score":0.38616535}]},{"text":"When do you wanna go? When's your goal to head over to Ireland? And I'm hoping in the next two years, because the little one is she won't remember at six, but she remembers at eight, Yeah. maybe. Yeah. And how much do you think you'll need to save to kinda get that Around trip going? $20. 20,000.","start_word":2328,"end_word":2385,"intents":[{"intent":"Confirm trip duration","confidence_score":0.001765184}]},{"text":"And how much do you think you'll need to save to kinda get that Around trip going?","start_word":2367,"end_word":2383,"intents":[{"intent":"Check savings","confidence_score":0.019274874},{"intent":"Inquire about investment amount","confidence_score":0.00031899332}]},{"text":"$20. 20,000.","start_word":2384,"end_word":2385,"intents":[{"intent":"Find trip cost","confidence_score":0.00035798247}]},{"text":"Oh, that'll honestly be amazing and such amazing family memories. Look.","start_word":2426,"end_word":2436,"intents":[{"intent":"Ask about family memories","confidence_score":0.000073939176}]},{"text":"Was that the work truck that I have noted here? No. No. That's a that that's a different one. That's okay. So so they I I still have that one as well. Like, I still have that. That's Yep. that's probably done open value. That's probably around work from 60,000. Okay.","start_word":2580,"end_word":2630,"intents":[{"intent":"Inquire about working truck value","confidence_score":0.00027294306}]}]},"sentiments":{"segments":[{"text":"Hello? Can you hear me? Hi, Kieran. Yes. I can. I've got you again. Oh, good. I'm so sorry.","start_word":0,"end_word":18,"sentiment":"neutral","sentiment_score":0.03616338595747948},{"text":"It dropped out.","start_word":19,"end_word":21,"sentiment":"negative","sentiment_score":-0.411220908164978},{"text":"Yeah. I don't know what happened. She's at Oh, that's okay. That's alright.","start_word":22,"end_word":34,"sentiment":"neutral","sentiment_score":-0.2063118815422058},{"text":"I'll I'm pretty persistent. I'll keep trying. That's a shit.","start_word":35,"end_word":44,"sentiment":"negative","sentiment_score":-0.6035344004631042},{"text":"I Oh, I've I've been over five minutes anyway. I'll be able to pick up this one properly then. no. That's okay. Not a problem. So just kind of with the TPD benefit, you have the same amount as life. Are you happy with the level of cover you have for TPD? Did you wanna kinda review that in any way, shape, or form? So what's that? It's permanently can't work, is it? Or Correct. Yeah. Exactly. Yeah. If you're unable to go back to work permanently and you can claim the TPD benefit, which you have currently at about 374,000, Yeah. $3.74 $7.02 8. And, again, your super benefit can also be claimed on top of that. So it's a bit over 500,000 total at the moment. I'd still be able to claim on my income protection then as well, would I? Well, realistically, if anything happens to you, you wanna claim on income protection first. So, normally, it's the first thing we claim on because we're off work for ninety days, so we make a claim on income protection. And then as we kinda stay on income protection for longer and the doctors go, yeah, the likelihood of you going back to work or being unable to work again in any occupation is very low or you're not gonna be able to go back to work again, then you can claim on TBD. The TBD benefit is paid out, but you can still be receiving the income protection claim at the same time. Absolutely. There is nothing that says you can't. If you've got an age 65 benefit, they will continue to pay the claim. Sometimes they might offer a lump sum instead of continuing to make the payments on a regular basis. But, yeah, look, you can be on both of those claims. Yeah.","start_word":45,"end_word":351,"sentiment":"neutral","sentiment_score":0.029144176060534068},{"text":"So it should it should be alright then.","start_word":352,"end_word":359,"sentiment":"positive","sentiment_score":0.3843056857585907},{"text":"If I keep on claiming on both, I'm sure it should be fine. Shouldn't Yeah.","start_word":360,"end_word":374,"sentiment":"neutral","sentiment_score":0.24359111487865448},{"text":"Absolutely. Perfect.","start_word":375,"end_word":376,"sentiment":"positive","sentiment_score":0.48737406730651855},{"text":"Now it is important to note that you don't have any other types of insurances outside of sleep that I can see, like trauma for yourself. There's no child trauma policies. The trauma policies tend to cover, like, major diagnoses, things like heart attack, strokes, certain neurological conditions like motor neuron disease or Parkinson's are claimable. Trauma, you have to pay out of your back pocket, so they can't be paid for inside a super. You can claim on these other insurances, but trauma tends to pay out, like, a lump sum tax free benefit without having any kind of waiting I period or stipulations like income protection and TPD too. Did you wanna look at getting anything additional like that, or are you happy just with the cover you have? I I I I think I'm probably happy with the cover I have at the minute. Yeah. Yeah. And It's okay. and if if I do go down the road of if I if I manage to get another property or a mortgage mortgage up, I might look at something like that then. Yeah. But but at Absolutely. the minute, I've got I've got money in the bank. That's all it's Yes. That's absolutely I've fine. got We'll retain what you have for the moment with the advice scoping at any trauma. That's not a problem. I'll retain your life and TPD at the same benefits that they are, and I'll just look at maybe decreasing your income protection in line with what your income is so you're not over Yes. insured So you or don't paying too much for the insurances. Okay? Yes.","start_word":377,"end_word":651,"sentiment":"neutral","sentiment_score":0.01750178262591362},{"text":"Perfect. Fantastic. So everything looks really good.","start_word":652,"end_word":658,"sentiment":"positive","sentiment_score":0.7325944559914725},{"text":"I'm also gonna go back if you're comfortable with just make sure have a look at your super. So I can sort of see that there is that Ben along that's underperforming in your super. I'd like to, if you're comfortable, just go back, maybe update the advice for you, maybe remove any underperforming investments, and have a look at the portfolios and the investments that you have at the moment and see if there's something better performing that can help with additional growth to your super and work towards your goals. Are you happy with me reviewing the super and the investments and updating the advice for you as well? Yes. Definitely.","start_word":659,"end_word":771,"sentiment":"neutral","sentiment_score":0.1151563972234726},{"text":"Yeah. Fantastic.","start_word":772,"end_word":773,"sentiment":"positive","sentiment_score":0.5051513910293579},{"text":"I've never had anyone say no. Don't do that.","start_word":774,"end_word":782,"sentiment":"neutral","sentiment_score":0.10677191615104677},{"text":"I can just sort of see some places where we might be able to make some additional changes for you that might provide greater benefits, so it'd be great to definitely do that for you.","start_word":783,"end_word":817,"sentiment":"positive","sentiment_score":0.4551987648010254},{"text":"Okay? K.","start_word":818,"end_word":819,"sentiment":"neutral","sentiment_score":0.18269199132919312},{"text":"Good. Excellent.","start_word":820,"end_word":821,"sentiment":"positive","sentiment_score":0.4764579832553863},{"text":"Now having a look at things, you originally noted here that your goal for retirement was at least 67. Are you still sort of thinking that for retirement, or are you hoping to maybe retire earlier? I I I thought that edge was for I need to pull pull the lenses. So that's the age to apply for age pension through Centrelink if you're eligible to do so. Under the legislation with your super, if you retire at 60, you can actually access your super fully tax free. Yeah. Alright. Yeah. But yeah. But they said it's a retiree or it it it it would it would definitely be better. It's but I suppose I bought a 128,000 in my Superdough. Bought out of chances of me to retire early. Honestly, at 60, the chances are very high. I just need to get you super working a bit harder, maybe look at some contributions going in. With the advice, I'll look at what we're doing for super and the investments there, but we'll track it over the next ten years because you still have a lot more than ten years ahead of you. And then we can keep updating the advice and keep tracking, but, you know, the projections will outline what we expect to see in the next sort of five to ten years so you can sort of see where you're tracking for currently. Yeah. Cool. Because I suppose when I am 60, I'm I'm sure my youngest, she like when I'm 60, she long because what? She's six now. Yeah. 15 years. She she she'll only be 20, 21.","start_word":822,"end_word":1093,"sentiment":"neutral","sentiment_score":0.07106821677264046},{"text":"Oh, wow. I mean, retiring at 60, it'd be great. You'd have a lot of living. Your kids would still be young to enjoy the time with you, and you'll be healthy enough to get out there and enjoy your life.","start_word":1094,"end_word":1134,"sentiment":"positive","sentiment_score":0.576698362827301},{"text":"Yeah. Yeah. It'd be good Well, it'd be good to answer them, however it pans absolutely. out. Absolutely. We'll leave that one with me, Kieran. I'll do some research. In a couple of weeks, I'll come back with an advice document, and we'll go through that together. Okay? Yeah.","start_word":1135,"end_word":1183,"sentiment":"neutral","sentiment_score":0.16974955797195437},{"text":"Good. Excellent.","start_word":1184,"end_word":1185,"sentiment":"positive","sentiment_score":0.494972288608551},{"text":"Now contributions wise, oh, I'm sorry. Just before I do move on, in the time that you initially said you wanted to live on about $1,500 per week, is that still your retirement goal income wise? Yeah.","start_word":1186,"end_word":1222,"sentiment":"neutral","sentiment_score":0.05094508081674576},{"text":"That that that that would be great.","start_word":1223,"end_word":1229,"sentiment":"positive","sentiment_score":0.34060734510421753},{"text":"It Yep. That's it okay. it it sounds like it it sounds like a lot too. But I suppose because the kids are still being so young, I'd probably want Yeah. to have that kind of a back in here. Yeah. Absolutely. No. That's absolutely fine. So let's track for that now. Essentially, when you get to retirement, regardless what your super balance is, you'll be able to draw the income that you essentially want. The main thing is that it depends on your super balance as to how long how it's invested, as to how long that will last. But if you wanted to retire at 60, I'll work on at 60. When you get to that point, we'll work on what you need to live on at that time. And then when you become eligible for age pension at 67, then we essentially look at the eligibility, what you can get from age pension, and how we can draw less out of your super. And that's how we get a bit of longevity. We do combinations of super and age pension. If you've got investments outside of super, we look at combining that for you as well. So it's just about looking at what you've got available to you, how to draw the income, and making sure you get as much longevity out of it as possible while still being able to live.","start_word":1230,"end_word":1464,"sentiment":"neutral","sentiment_score":0.16085444771228952},{"text":"Yeah. Cool. Sounds Yeah. sounds good. Excellent.","start_word":1465,"end_word":1471,"sentiment":"positive","sentiment_score":0.5787489414215088},{"text":"Contributions wise for the advice, how much is there a certain amount that you're comfortable maybe contributing to start with, noting that you are 45 this year. So, realistically, you can start with a lower amount. You've got more than ten years. We can start with a smaller contribution amount, see how that goes, and then build that up over time for the compounding effect. Is there an amount you're comfortable with, or did you want us to tell you what you need to do? What's what where you where's your comfort level? So I wouldn't mind trying to drop a $100 a week or something like that into it. A $100 a week.","start_word":1472,"end_word":1585,"sentiment":"neutral","sentiment_score":0.18609637022018433},{"text":"Beautiful.","start_word":1586,"end_word":1586,"sentiment":"positive","sentiment_score":0.6650522947311401},{"text":"Let's start with that one. I'll show you how that works as part of the advice, the advantages, the disadvantages, the risks involved in the projected cycle with that, and then we can always talk about it if you feel like you need to adjust that, and we'll review it with you regularly each year as well. Okay? Yeah. Yeah. And I I I was working for a guy there for for for for for a while, and he he actually Really? owes me Wow. $20,000 in super. Yeah.","start_word":1587,"end_word":1675,"sentiment":"neutral","sentiment_score":0.0953160140119242},{"text":"But you know, I know he doesn't have money. He doesn't I think mean, he is. that's horrible.","start_word":1676,"end_word":1693,"sentiment":"negative","sentiment_score":-0.5066787600517273},{"text":"I can see there has been some deposits from the ATO. So from the twenty fifth of the sixth this year, there was that $500 deposit there. So it looks like some money has been streaming through, but It doesn't it doesn't there say who was that came from, though, does it? no. No. And it looks like there was another ATO deposit on the third or the second. So it looks like maybe they have been collecting some owed superannuation or there has been some that's been paid to them. I do know when you work for someone as an employee, they have to essentially declare how much super you were owed and whether it was paid.","start_word":1694,"end_word":1811,"sentiment":"neutral","sentiment_score":-0.18467764556407928},{"text":"So if they haven't paid that super to you, the ATO will need to collect that, and the employer will be penalized for not paying it.","start_word":1812,"end_word":1837,"sentiment":"negative","sentiment_score":-0.3418877124786377},{"text":"So, Yeah. hopefully, No. It was that comes no. It it it it it was actually just part of the because I'm ABN, and through. Right. Yeah. they they become liable for for for me because it was part of the deal anyway. Like, it was what was agreed Yeah. on, but then he he was unfortunately, he was a mate of mine, and Oh, no.","start_word":1838,"end_word":1903,"sentiment":"neutral","sentiment_score":-0.1503000557422638},{"text":"he couldn't he he when when he came in the end of the year, if he paid out to me, he couldn't bankroll his next job. And he said he can get me the next payment.","start_word":1904,"end_word":1939,"sentiment":"negative","sentiment_score":-0.3763088583946228},{"text":"Yeah. And that's that happened. One or two jobs, and that was kinda the end of that. So I'm I'm not too sure whether I'm ever gonna see it or not. Well, you should definitely declare that. So speak to your accountant and get them to lodge the request with the ACO and get them to go back and try and claim the funds for you because, realistically, that's if you've done the work, that's your money.","start_word":1940,"end_word":2016,"sentiment":"neutral","sentiment_score":-0.03414751376424517},{"text":"You should absolutely be paid it.","start_word":2017,"end_word":2022,"sentiment":"positive","sentiment_score":0.5244232416152954},{"text":"So I would when your accountant does your tax return, tell them how much you are owed in the background and see if they can lodge something. They should be able to lodge a request with the ATO. They should have access to the ATO's portal to do so and see if the ATO can, you know, claim all that back for you. It might take time, but they should be able to go ahead and do that because, realistically, you did the work. You just have the money. Yeah. I I'll I'll look into it. Alright? Yeah. Absolutely. I'll look at a $100 per week contributions wise. Are you finding that you're able to put sort of savings away out of your income at the moment, or are you sort of finding everything going towards your expenses with you being self employed and everything? And if you ask me that question for a week, Scott, I would have said, no. I'm putting the visual here, and then I have screw holders. It's gone again. Of course. School holidays. That's it. It depends on what time of the year you're asking to push.","start_word":2023,"end_word":2215,"sentiment":"neutral","sentiment_score":0.09152095764875412},{"text":"Absolute I mean, Christmas, we'd all be dead broke.","start_word":2216,"end_word":2224,"sentiment":"negative","sentiment_score":-0.37224510312080383},{"text":"Yeah. Yeah. Right. Yeah. That's okay. About Fine. three weeks ago, how much were you able to sort of put away prior to school holidays? Normally, I always try to put put two or 300 away a week Okay. for the for for the rainy days. Yeah. But I'd like I'd like for school holidays and that, then I just take take all the time off because, like, there's still only little. So I just take the time off and instead of paying somebody else to do mine.","start_word":2225,"end_word":2312,"sentiment":"neutral","sentiment_score":0.011150874197483064},{"text":"And Absolutely. Beautiful. I'm also also trying to save for trips to Ireland. Oh, fantastic.","start_word":2313,"end_word":2327,"sentiment":"positive","sentiment_score":0.4255095223585765},{"text":"When do you wanna go? When's your goal to head over to Ireland? And I'm hoping in the next two years, because the little one is she won't remember at six, but she remembers at eight, Yeah. maybe. Yeah. And how much do you think you'll need to save to kinda get that Around trip going? $20. 20,000. So what that a guy needs to pay you would basically cover all that. Pretty much. Yeah. No. All good.","start_word":2328,"end_word":2405,"sentiment":"neutral","sentiment_score":0.05350806936621666},{"text":"Look. That sounds like an amazing trip.","start_word":2406,"end_word":2412,"sentiment":"positive","sentiment_score":0.6658916473388672},{"text":"Have the kids been to Ireland before? And the two others have.","start_word":2413,"end_word":2424,"sentiment":"neutral","sentiment_score":0.1856483519077301},{"text":"Yeah. Oh, that'll honestly be amazing and such amazing family memories.","start_word":2425,"end_word":2435,"sentiment":"positive","sentiment_score":0.6490848064422607},{"text":"Look. I've got older kids. I've got three. So one's 10. The others are 19 and 20. And you don't get this time back.","start_word":2436,"end_word":2459,"sentiment":"neutral","sentiment_score":0.1054101586341858},{"text":"I definitely cherish them being so young.","start_word":2460,"end_word":2466,"sentiment":"positive","sentiment_score":0.4503113627433777},{"text":"So and they're at fun ages where you get to enjoy them and have fun. That's it. All good. And just running through your assets and liabilities I have here. Now you had your savings sitting around 2,000 sorry. 260,000. Do you still have that much in savings? Has that decreased or increased a little bit? No. It's definitely decreased. It's around a 160,000 Okay. now. 100 But and 60,000. I think I I have assets, I suppose, instead, what you call it. You've put the money into, like, shares or something? Or Well, it I had to get a new car for work, so I oh, I bought car. that thousand. Yep. Was that the work truck that I have noted here? No. No. That's a that that's a different one. That's okay. So so they I I still have that one as well. Like, I still have that. That's Yep. that's probably done open value. That's probably around work from 60,000. Okay. Beautiful. So the work truck is 60,000 there. And what sort of what sort of value would you put on the new vehicle? I'd be around 30,000. 30,000? What kind of what kind of vehicle is it? And a Ford Everest.","start_word":2467,"end_word":2671,"sentiment":"neutral","sentiment_score":0.025746023873003517},{"text":"Oh, fantastic. Yeah. And Lovely.","start_word":2672,"end_word":2676,"sentiment":"positive","sentiment_score":0.7185046672821045},{"text":"And then the work truck that you had valued at $60, what sort of vehicle is that? it is a Toyota Land Cruiser. Land Cruiser.","start_word":2677,"end_word":2701,"sentiment":"neutral","sentiment_score":0.1090351790189743},{"text":"Beautiful.","start_word":2702,"end_word":2702,"sentiment":"positive","sentiment_score":0.6600732207298279},{"text":"And then I also had another motor vehicle here as well with a value of about 20,000. Do you have a third vehicle there as well? Hi, Karen. Can you hear me? Hello, Karen? Hello, Karen. Can you hear me at all?","start_word":2703,"end_word":2744,"sentiment":"neutral","sentiment_score":0.03260960057377815}],"average":{"sentiment":"neutral","sentiment_score":0.060172619035261096}}}}